id	sid	tid	token	lemma	pos
ajase-3793	1	1	pa	pa	PROPN
ajase-3793	1	2	ge	ge	PROPN
ajase-3793	1	3	1	1	NUM
ajase-3793	1	4	pa	pa	PROPN
ajase-3793	1	5	ge	ge	PROPN
ajase-3793	1	6	15	15	NUM
ajase-3793	1	7	4	4	NUM
ajase-3793	1	8	american	american	ADJ
ajase-3793	1	9	journal	journal	NOUN
ajase-3793	1	10	of	of	ADP
ajase-3793	1	11	applied	apply	VERB
ajase-3793	1	12	statistics	statistic	NOUN
ajase-3793	1	13	and	and	CCONJ
ajase-3793	1	14	economics	economic	NOUN
ajase-3793	1	15	(	(	PUNCT
ajase-3793	1	16	ajase	ajase	ADV
ajase-3793	1	17	)	)	PUNCT
ajase-3793	1	18	the	the	DET
ajase-3793	1	19	nexus	nexus	NOUN
ajase-3793	1	20	between	between	ADP
ajase-3793	1	21	“	"	PUNCT
ajase-3793	1	22	village	village	NOUN
ajase-3793	1	23	”	"	PUNCT
ajase-3793	1	24	banking	banking	NOUN
ajase-3793	1	25	model	model	NOUN
ajase-3793	1	26	&	&	CCONJ
ajase-3793	1	27	women	women	PROPN
ajase-3793	1	28	’s	’s	PART
ajase-3793	1	29	financial	financial	ADJ
ajase-3793	1	30	inclusion	inclusion	NOUN
ajase-3793	1	31	in	in	ADP
ajase-3793	1	32	zambia	zambia	PROPN
ajase-3793	1	33	richard	richard	PROPN
ajase-3793	1	34	mulenga1	mulenga1	PROPN
ajase-3793	1	35	*	*	PROPN
ajase-3793	1	36	,	,	PUNCT
ajase-3793	1	37	ng’andwe	ng’andwe	ADJ
ajase-3793	1	38	namfukwe	namfukwe	NOUN
ajase-3793	1	39	muuka2	muuka2	NOUN
ajase-3793	1	40	volume	volume	NOUN
ajase-3793	1	41	3	3	NUM
ajase-3793	1	42	issue	issue	NOUN
ajase-3793	1	43	1	1	NUM
ajase-3793	1	44	,	,	PUNCT
ajase-3793	1	45	year	year	NOUN
ajase-3793	1	46	2024	2024	NUM
ajase-3793	1	47	issn	issn	X
ajase-3793	1	48	:	:	PUNCT
ajase-3793	1	49	2992	2992	NUM
ajase-3793	1	50	-	-	PUNCT
ajase-3793	1	51	927x	927x	NOUN
ajase-3793	1	52	(	(	PUNCT
ajase-3793	1	53	online	online	ADJ
ajase-3793	1	54	)	)	PUNCT
ajase-3793	1	55	doi	doi	NOUN
ajase-3793	1	56	:	:	PUNCT
ajase-3793	1	57	https://doi.org/10.54536/ajase.v3i1.3793	https://doi.org/10.54536/ajase.v3i1.3793	NOUN
ajase-3793	1	58	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	1	59	article	article	NOUN
ajase-3793	1	60	information	information	NOUN
ajase-3793	1	61	abstract	abstract	ADV
ajase-3793	1	62	received	receive	VERB
ajase-3793	1	63	:	:	PUNCT
ajase-3793	1	64	september	september	PROPN
ajase-3793	1	65	09	09	NUM
ajase-3793	1	66	,	,	PUNCT
ajase-3793	1	67	2024	2024	NUM
ajase-3793	1	68	accepted	accept	VERB
ajase-3793	1	69	:	:	PUNCT
ajase-3793	1	70	october	october	PROPN
ajase-3793	1	71	17	17	NUM
ajase-3793	1	72	,	,	PUNCT
ajase-3793	1	73	2024	2024	NUM
ajase-3793	1	74	published	publish	VERB
ajase-3793	1	75	:	:	PUNCT
ajase-3793	1	76	december	december	PROPN
ajase-3793	1	77	18	18	NUM
ajase-3793	1	78	,	,	PUNCT
ajase-3793	1	79	2024	2024	NUM
ajase-3793	1	80	this	this	DET
ajase-3793	1	81	study	study	NOUN
ajase-3793	1	82	explores	explore	VERB
ajase-3793	1	83	the	the	DET
ajase-3793	1	84	relationship	relationship	NOUN
ajase-3793	1	85	between	between	ADP
ajase-3793	1	86	the	the	DET
ajase-3793	1	87	‘	'	PUNCT
ajase-3793	1	88	village	village	NOUN
ajase-3793	1	89	’	'	PUNCT
ajase-3793	1	90	(	(	PUNCT
ajase-3793	1	91	cooperative	cooperative	ADJ
ajase-3793	1	92	microcredit	microcredit	NOUN
ajase-3793	1	93	)	)	PUNCT
ajase-3793	1	94	banking	banking	NOUN
ajase-3793	1	95	model	model	NOUN
ajase-3793	1	96	and	and	CCONJ
ajase-3793	1	97	the	the	DET
ajase-3793	1	98	financial	financial	ADJ
ajase-3793	1	99	inclusion	inclusion	NOUN
ajase-3793	1	100	of	of	ADP
ajase-3793	1	101	women	woman	NOUN
ajase-3793	1	102	in	in	ADP
ajase-3793	1	103	zambia	zambia	PROPN
ajase-3793	1	104	,	,	PUNCT
ajase-3793	1	105	using	use	VERB
ajase-3793	1	106	the	the	DET
ajase-3793	1	107	afrizam	afrizam	PROPN
ajase-3793	1	108	co	co	NOUN
ajase-3793	1	109	-	-	NOUN
ajase-3793	1	110	operative	operative	ADJ
ajase-3793	1	111	as	as	ADP
ajase-3793	1	112	a	a	DET
ajase-3793	1	113	case	case	NOUN
ajase-3793	1	114	study	study	NOUN
ajase-3793	1	115	.	.	PUNCT
ajase-3793	2	1	multiple	multiple	ADJ
ajase-3793	2	2	regression	regression	NOUN
ajase-3793	2	3	and	and	CCONJ
ajase-3793	2	4	correlational	correlational	ADJ
ajase-3793	2	5	analyses	analysis	NOUN
ajase-3793	2	6	were	be	AUX
ajase-3793	2	7	employed	employ	VERB
ajase-3793	2	8	as	as	ADP
ajase-3793	2	9	quantitative	quantitative	ADJ
ajase-3793	2	10	approaches	approach	NOUN
ajase-3793	2	11	,	,	PUNCT
ajase-3793	2	12	while	while	SCONJ
ajase-3793	2	13	the	the	DET
ajase-3793	2	14	thematic	thematic	ADJ
ajase-3793	2	15	analysis	analysis	NOUN
ajase-3793	2	16	,	,	PUNCT
ajase-3793	2	17	elucidated	elucidate	VERB
ajase-3793	2	18	via	via	ADP
ajase-3793	2	19	the	the	DET
ajase-3793	2	20	saturation	saturation	NOUN
ajase-3793	2	21	strategy	strategy	NOUN
ajase-3793	2	22	,	,	PUNCT
ajase-3793	2	23	constituted	constitute	VERB
ajase-3793	2	24	the	the	DET
ajase-3793	2	25	qualitative	qualitative	ADJ
ajase-3793	2	26	approach	approach	NOUN
ajase-3793	2	27	.	.	PUNCT
ajase-3793	3	1	the	the	DET
ajase-3793	3	2	study	study	NOUN
ajase-3793	3	3	employed	employ	VERB
ajase-3793	3	4	a	a	DET
ajase-3793	3	5	mixed	mix	VERB
ajase-3793	3	6	-	-	PUNCT
ajase-3793	3	7	method	method	NOUN
ajase-3793	3	8	approach	approach	NOUN
ajase-3793	3	9	,	,	PUNCT
ajase-3793	3	10	with	with	ADP
ajase-3793	3	11	a	a	DET
ajase-3793	3	12	sample	sample	NOUN
ajase-3793	3	13	size	size	NOUN
ajase-3793	3	14	of	of	ADP
ajase-3793	3	15	109	109	NUM
ajase-3793	3	16	individuals	individual	NOUN
ajase-3793	3	17	.	.	PUNCT
ajase-3793	4	1	findings	finding	NOUN
ajase-3793	4	2	indicate	indicate	VERB
ajase-3793	4	3	that	that	SCONJ
ajase-3793	4	4	co	co	ADJ
ajase-3793	4	5	-	-	ADJ
ajase-3793	4	6	operative	operative	ADJ
ajase-3793	4	7	society	society	NOUN
ajase-3793	4	8	models	model	NOUN
ajase-3793	4	9	significantly	significantly	ADV
ajase-3793	4	10	promote	promote	VERB
ajase-3793	4	11	financial	financial	ADJ
ajase-3793	4	12	inclusion	inclusion	NOUN
ajase-3793	4	13	among	among	ADP
ajase-3793	4	14	women	woman	NOUN
ajase-3793	4	15	in	in	ADP
ajase-3793	4	16	zambia	zambia	PROPN
ajase-3793	4	17	.	.	PUNCT
ajase-3793	5	1	specifically	specifically	ADV
ajase-3793	5	2	,	,	PUNCT
ajase-3793	5	3	savings	saving	NOUN
ajase-3793	5	4	,	,	PUNCT
ajase-3793	5	5	access	access	NOUN
ajase-3793	5	6	to	to	ADP
ajase-3793	5	7	credit	credit	NOUN
ajase-3793	5	8	and	and	CCONJ
ajase-3793	5	9	social	social	ADJ
ajase-3793	5	10	capital	capital	NOUN
ajase-3793	5	11	indicate	indicate	VERB
ajase-3793	5	12	that	that	SCONJ
ajase-3793	5	13	holding	hold	VERB
ajase-3793	5	14	other	other	ADJ
ajase-3793	5	15	factors	factor	NOUN
ajase-3793	5	16	constant	constant	ADJ
ajase-3793	5	17	,	,	PUNCT
ajase-3793	5	18	a	a	DET
ajase-3793	5	19	1	1	NUM
ajase-3793	5	20	%	%	NOUN
ajase-3793	5	21	increase	increase	NOUN
ajase-3793	5	22	in	in	ADP
ajase-3793	5	23	each	each	DET
ajase-3793	5	24	variable	variable	NOUN
ajase-3793	5	25	significantly	significantly	ADV
ajase-3793	5	26	increases	increase	VERB
ajase-3793	5	27	financial	financial	ADJ
ajase-3793	5	28	inclusion	inclusion	NOUN
ajase-3793	5	29	by	by	ADP
ajase-3793	5	30	25.5	25.5	NUM
ajase-3793	5	31	%	%	NOUN
ajase-3793	5	32	,	,	PUNCT
ajase-3793	5	33	28.1	28.1	NUM
ajase-3793	5	34	%	%	NOUN
ajase-3793	5	35	and	and	CCONJ
ajase-3793	5	36	44.3	44.3	NUM
ajase-3793	5	37	%	%	NOUN
ajase-3793	5	38	,	,	PUNCT
ajase-3793	5	39	respectively	respectively	ADV
ajase-3793	5	40	.	.	PUNCT
ajase-3793	6	1	among	among	ADP
ajase-3793	6	2	the	the	DET
ajase-3793	6	3	challenges	challenge	NOUN
ajase-3793	6	4	that	that	PRON
ajase-3793	6	5	hinder	hinder	VERB
ajase-3793	6	6	the	the	DET
ajase-3793	6	7	financial	financial	ADJ
ajase-3793	6	8	inclusion	inclusion	NOUN
ajase-3793	6	9	of	of	ADP
ajase-3793	6	10	women	woman	NOUN
ajase-3793	6	11	at	at	ADP
ajase-3793	6	12	afri	afri	PROPN
ajase-3793	6	13	-	-	PUNCT
ajase-3793	6	14	zam	zam	PROPN
ajase-3793	6	15	,	,	PUNCT
ajase-3793	6	16	the	the	DET
ajase-3793	6	17	study	study	NOUN
ajase-3793	6	18	revealed	reveal	VERB
ajase-3793	6	19	that	that	SCONJ
ajase-3793	6	20	administrative	administrative	ADJ
ajase-3793	6	21	inefficiencies	inefficiency	NOUN
ajase-3793	6	22	and	and	CCONJ
ajase-3793	6	23	inadequate	inadequate	ADJ
ajase-3793	6	24	policy	policy	NOUN
ajase-3793	6	25	support	support	NOUN
ajase-3793	6	26	persistently	persistently	ADV
ajase-3793	6	27	hinder	hinder	VERB
ajase-3793	6	28	the	the	DET
ajase-3793	6	29	optimal	optimal	ADJ
ajase-3793	6	30	financial	financial	ADJ
ajase-3793	6	31	inclusion	inclusion	NOUN
ajase-3793	6	32	of	of	ADP
ajase-3793	6	33	women	woman	NOUN
ajase-3793	6	34	.	.	PUNCT
ajase-3793	7	1	to	to	PART
ajase-3793	7	2	mitigate	mitigate	VERB
ajase-3793	7	3	these	these	DET
ajase-3793	7	4	challenges	challenge	NOUN
ajase-3793	7	5	and	and	CCONJ
ajase-3793	7	6	augment	augment	VERB
ajase-3793	7	7	financial	financial	ADJ
ajase-3793	7	8	inclusion	inclusion	NOUN
ajase-3793	7	9	prospects	prospect	NOUN
ajase-3793	7	10	,	,	PUNCT
ajase-3793	7	11	the	the	DET
ajase-3793	7	12	study	study	NOUN
ajase-3793	7	13	recommends	recommend	VERB
ajase-3793	7	14	policy	policy	NOUN
ajase-3793	7	15	actions	action	NOUN
ajase-3793	7	16	that	that	PRON
ajase-3793	7	17	include	include	VERB
ajase-3793	7	18	strengthening	strengthen	VERB
ajase-3793	7	19	savings	saving	NOUN
ajase-3793	7	20	initiatives	initiative	NOUN
ajase-3793	7	21	among	among	ADP
ajase-3793	7	22	village	village	NOUN
ajase-3793	7	23	banking	banking	NOUN
ajase-3793	7	24	microcredit	microcredit	NOUN
ajase-3793	7	25	institutions	institution	NOUN
ajase-3793	7	26	,	,	PUNCT
ajase-3793	7	27	enhancing	enhance	VERB
ajase-3793	7	28	access	access	NOUN
ajase-3793	7	29	to	to	ADP
ajase-3793	7	30	credit	credit	NOUN
ajase-3793	7	31	among	among	ADP
ajase-3793	7	32	women	woman	NOUN
ajase-3793	7	33	,	,	PUNCT
ajase-3793	7	34	building	build	VERB
ajase-3793	7	35	and	and	CCONJ
ajase-3793	7	36	leveraging	leverage	VERB
ajase-3793	7	37	social	social	ADJ
ajase-3793	7	38	capital	capital	NOUN
ajase-3793	7	39	,	,	PUNCT
ajase-3793	7	40	addressing	address	VERB
ajase-3793	7	41	administrative	administrative	ADJ
ajase-3793	7	42	inefficiencies	inefficiency	NOUN
ajase-3793	7	43	by	by	ADP
ajase-3793	7	44	streamlining	streamline	VERB
ajase-3793	7	45	bureaucratic	bureaucratic	ADJ
ajase-3793	7	46	processes	process	NOUN
ajase-3793	7	47	and	and	CCONJ
ajase-3793	7	48	continuing	continue	VERB
ajase-3793	7	49	financial	financial	ADJ
ajase-3793	7	50	literacy	literacy	NOUN
ajase-3793	7	51	campaigns	campaign	NOUN
ajase-3793	7	52	among	among	ADP
ajase-3793	7	53	women	woman	NOUN
ajase-3793	7	54	,	,	PUNCT
ajase-3793	7	55	among	among	ADP
ajase-3793	7	56	others	other	NOUN
ajase-3793	7	57	.	.	PUNCT
ajase-3793	8	1	keywords	keyword	VERB
ajase-3793	8	2	cooperative	cooperative	ADJ
ajase-3793	8	3	microcredit	microcredit	NOUN
ajase-3793	8	4	,	,	PUNCT
ajase-3793	8	5	frizam	frizam	PROPN
ajase-3793	8	6	co	co	NOUN
ajase-3793	8	7	-	-	ADJ
ajase-3793	8	8	operative	operative	ADJ
ajase-3793	8	9	,	,	PUNCT
ajase-3793	8	10	village	village	NOUN
ajase-3793	8	11	banking	banking	NOUN
ajase-3793	8	12	model	model	NOUN
ajase-3793	8	13	,	,	PUNCT
ajase-3793	8	14	women	women	PROPN
ajase-3793	8	15	’s	’s	PART
ajase-3793	8	16	financial	financial	ADJ
ajase-3793	8	17	inclusion	inclusion	PROPN
ajase-3793	8	18	,	,	PUNCT
ajase-3793	8	19	zambia	zambia	PROPN
ajase-3793	8	20	,	,	PUNCT
ajase-3793	8	21	e21	e21	PROPN
ajase-3793	8	22	,	,	PUNCT
ajase-3793	8	23	g28	g28	NOUN
ajase-3793	8	24	,	,	PUNCT
ajase-3793	8	25	b54	b54	PROPN
ajase-3793	8	26	1	1	NUM
ajase-3793	8	27	department	department	NOUN
ajase-3793	8	28	of	of	ADP
ajase-3793	8	29	economics	economic	NOUN
ajase-3793	8	30	,	,	PUNCT
ajase-3793	8	31	zcas	zcas	NOUN
ajase-3793	8	32	university	university	NOUN
ajase-3793	8	33	,	,	PUNCT
ajase-3793	8	34	box	box	PROPN
ajase-3793	8	35	35243	35243	NUM
ajase-3793	8	36	,	,	PUNCT
ajase-3793	8	37	lusaka	lusaka	PROPN
ajase-3793	8	38	,	,	PUNCT
ajase-3793	8	39	zambia	zambia	PROPN
ajase-3793	8	40	2	2	NUM
ajase-3793	8	41	school	school	NOUN
ajase-3793	8	42	of	of	ADP
ajase-3793	8	43	business	business	NOUN
ajase-3793	8	44	,	,	PUNCT
ajase-3793	8	45	zcas	zcas	PROPN
ajase-3793	8	46	university	university	NOUN
ajase-3793	8	47	,	,	PUNCT
ajase-3793	8	48	box	box	PROPN
ajase-3793	8	49	35243	35243	NUM
ajase-3793	8	50	,	,	PUNCT
ajase-3793	8	51	lusaka	lusaka	PROPN
ajase-3793	8	52	,	,	PUNCT
ajase-3793	8	53	zambia	zambia	PROPN
ajase-3793	8	54	*	*	PUNCT
ajase-3793	8	55	corresponding	correspond	VERB
ajase-3793	8	56	author	author	NOUN
ajase-3793	8	57	’s	’s	PART
ajase-3793	8	58	e	e	NOUN
ajase-3793	8	59	-	-	NOUN
ajase-3793	8	60	mail	mail	NOUN
ajase-3793	8	61	:	:	PUNCT
ajase-3793	8	62	richardmulenga2@gmail.com	richardmulenga2@gmail.com	X
ajase-3793	8	63	introduction	introduction	NOUN
ajase-3793	8	64	this	this	DET
ajase-3793	8	65	study	study	NOUN
ajase-3793	8	66	explores	explore	VERB
ajase-3793	8	67	the	the	DET
ajase-3793	8	68	link	link	NOUN
ajase-3793	8	69	between	between	ADP
ajase-3793	8	70	the	the	DET
ajase-3793	8	71	village	village	NOUN
ajase-3793	8	72	banking	banking	NOUN
ajase-3793	8	73	model	model	NOUN
ajase-3793	8	74	(	(	PUNCT
ajase-3793	8	75	or	or	CCONJ
ajase-3793	8	76	cooperative	cooperative	ADJ
ajase-3793	8	77	microcredit	microcredit	NOUN
ajase-3793	8	78	)	)	PUNCT
ajase-3793	8	79	and	and	CCONJ
ajase-3793	8	80	women	woman	NOUN
ajase-3793	8	81	’s	’s	PART
ajase-3793	8	82	financial	financial	ADJ
ajase-3793	8	83	inclusion	inclusion	NOUN
ajase-3793	8	84	in	in	ADP
ajase-3793	8	85	zambia	zambia	PROPN
ajase-3793	8	86	,	,	PUNCT
ajase-3793	8	87	focusing	focus	VERB
ajase-3793	8	88	on	on	ADP
ajase-3793	8	89	the	the	DET
ajase-3793	8	90	afrizam	afrizam	PROPN
ajase-3793	8	91	cooperative	cooperative	NOUN
ajase-3793	8	92	as	as	ADP
ajase-3793	8	93	a	a	DET
ajase-3793	8	94	case	case	NOUN
ajase-3793	8	95	study	study	NOUN
ajase-3793	8	96	.	.	PUNCT
ajase-3793	9	1	access	access	NOUN
ajase-3793	9	2	to	to	ADP
ajase-3793	9	3	financial	financial	ADJ
ajase-3793	9	4	services	service	NOUN
ajase-3793	9	5	is	be	AUX
ajase-3793	9	6	vital	vital	ADJ
ajase-3793	9	7	for	for	ADP
ajase-3793	9	8	economic	economic	ADJ
ajase-3793	9	9	development	development	NOUN
ajase-3793	9	10	and	and	CCONJ
ajase-3793	9	11	poverty	poverty	NOUN
ajase-3793	9	12	reduction	reduction	NOUN
ajase-3793	9	13	(	(	PUNCT
ajase-3793	9	14	omar	omar	PROPN
ajase-3793	9	15	&	&	CCONJ
ajase-3793	9	16	inaba	inaba	PROPN
ajase-3793	9	17	,	,	PUNCT
ajase-3793	9	18	2020	2020	NUM
ajase-3793	9	19	)	)	PUNCT
ajase-3793	9	20	.	.	PUNCT
ajase-3793	10	1	however	however	ADV
ajase-3793	10	2	,	,	PUNCT
ajase-3793	10	3	women	woman	NOUN
ajase-3793	10	4	in	in	ADP
ajase-3793	10	5	developing	develop	VERB
ajase-3793	10	6	countries	country	NOUN
ajase-3793	10	7	often	often	ADV
ajase-3793	10	8	face	face	VERB
ajase-3793	10	9	barriers	barrier	NOUN
ajase-3793	10	10	to	to	ADP
ajase-3793	10	11	formal	formal	ADJ
ajase-3793	10	12	banking	banking	NOUN
ajase-3793	10	13	,	,	PUNCT
ajase-3793	10	14	such	such	ADJ
ajase-3793	10	15	as	as	ADP
ajase-3793	10	16	limited	limited	ADJ
ajase-3793	10	17	collateral	collateral	NOUN
ajase-3793	10	18	,	,	PUNCT
ajase-3793	10	19	discriminatory	discriminatory	ADJ
ajase-3793	10	20	practices	practice	NOUN
ajase-3793	10	21	,	,	PUNCT
ajase-3793	10	22	and	and	CCONJ
ajase-3793	10	23	low	low	ADJ
ajase-3793	10	24	financial	financial	ADJ
ajase-3793	10	25	literacy	literacy	NOUN
ajase-3793	10	26	(	(	PUNCT
ajase-3793	10	27	morsy	morsy	NOUN
ajase-3793	10	28	,	,	PUNCT
ajase-3793	10	29	2020	2020	NUM
ajase-3793	10	30	)	)	PUNCT
ajase-3793	10	31	.	.	PUNCT
ajase-3793	11	1	micro	micro	NOUN
ajase-3793	11	2	-	-	NOUN
ajase-3793	11	3	financing	financing	ADJ
ajase-3793	11	4	,	,	PUNCT
ajase-3793	11	5	especially	especially	ADV
ajase-3793	11	6	through	through	ADP
ajase-3793	11	7	village	village	NOUN
ajase-3793	11	8	banking	banking	NOUN
ajase-3793	11	9	,	,	PUNCT
ajase-3793	11	10	has	have	AUX
ajase-3793	11	11	proven	prove	VERB
ajase-3793	11	12	effective	effective	ADJ
ajase-3793	11	13	in	in	ADP
ajase-3793	11	14	enhancing	enhance	VERB
ajase-3793	11	15	women	woman	NOUN
ajase-3793	11	16	’s	’s	PART
ajase-3793	11	17	financial	financial	ADJ
ajase-3793	11	18	inclusion	inclusion	NOUN
ajase-3793	11	19	(	(	PUNCT
ajase-3793	11	20	gideon	gideon	PROPN
ajase-3793	11	21	et	et	PROPN
ajase-3793	11	22	al	al	PROPN
ajase-3793	11	23	.	.	PROPN
ajase-3793	11	24	,	,	PUNCT
ajase-3793	11	25	2020	2020	NUM
ajase-3793	11	26	)	)	PUNCT
ajase-3793	11	27	.	.	PUNCT
ajase-3793	12	1	micro	micro	NOUN
ajase-3793	12	2	-	-	NOUN
ajase-3793	12	3	financing	financing	NOUN
ajase-3793	12	4	provides	provide	VERB
ajase-3793	12	5	small	small	ADJ
ajase-3793	12	6	loans	loan	NOUN
ajase-3793	12	7	and	and	CCONJ
ajase-3793	12	8	savings	saving	NOUN
ajase-3793	12	9	to	to	ADP
ajase-3793	12	10	those	those	PRON
ajase-3793	12	11	excluded	exclude	VERB
ajase-3793	12	12	from	from	ADP
ajase-3793	12	13	traditional	traditional	ADJ
ajase-3793	12	14	banking	banking	NOUN
ajase-3793	12	15	(	(	PUNCT
ajase-3793	12	16	bhusare	bhusare	PROPN
ajase-3793	12	17	&	&	CCONJ
ajase-3793	12	18	chanda	chanda	PROPN
ajase-3793	12	19	,	,	PUNCT
ajase-3793	12	20	2017	2017	NUM
ajase-3793	12	21	)	)	PUNCT
ajase-3793	12	22	.	.	PUNCT
ajase-3793	13	1	village	village	NOUN
ajase-3793	13	2	banking	banking	NOUN
ajase-3793	13	3	involves	involve	VERB
ajase-3793	13	4	community	community	NOUN
ajase-3793	13	5	members	member	NOUN
ajase-3793	13	6	forming	form	VERB
ajase-3793	13	7	a	a	DET
ajase-3793	13	8	savings	saving	NOUN
ajase-3793	13	9	and	and	CCONJ
ajase-3793	13	10	lending	lending	NOUN
ajase-3793	13	11	group	group	NOUN
ajase-3793	13	12	and	and	CCONJ
ajase-3793	13	13	pooling	pool	VERB
ajase-3793	13	14	resources	resource	NOUN
ajase-3793	13	15	to	to	PART
ajase-3793	13	16	offer	offer	VERB
ajase-3793	13	17	financial	financial	ADJ
ajase-3793	13	18	services	service	NOUN
ajase-3793	13	19	,	,	PUNCT
ajase-3793	13	20	particularly	particularly	ADV
ajase-3793	13	21	to	to	ADP
ajase-3793	13	22	marginalized	marginalize	VERB
ajase-3793	13	23	women	woman	NOUN
ajase-3793	13	24	(	(	PUNCT
ajase-3793	13	25	sibeso	sibeso	NOUN
ajase-3793	13	26	,	,	PUNCT
ajase-3793	13	27	2022	2022	NUM
ajase-3793	13	28	)	)	PUNCT
ajase-3793	13	29	.	.	PUNCT
ajase-3793	14	1	this	this	DET
ajase-3793	14	2	model	model	NOUN
ajase-3793	14	3	fosters	foster	VERB
ajase-3793	14	4	mutual	mutual	ADJ
ajase-3793	14	5	trust	trust	NOUN
ajase-3793	14	6	and	and	CCONJ
ajase-3793	14	7	cooperation	cooperation	NOUN
ajase-3793	14	8	,	,	PUNCT
ajase-3793	14	9	allowing	allow	VERB
ajase-3793	14	10	members	member	NOUN
ajase-3793	14	11	to	to	PART
ajase-3793	14	12	contribute	contribute	VERB
ajase-3793	14	13	to	to	ADP
ajase-3793	14	14	a	a	DET
ajase-3793	14	15	common	common	ADJ
ajase-3793	14	16	fund	fund	NOUN
ajase-3793	14	17	for	for	ADP
ajase-3793	14	18	loans	loan	NOUN
ajase-3793	14	19	aimed	aim	VERB
ajase-3793	14	20	at	at	ADP
ajase-3793	14	21	business	business	NOUN
ajase-3793	14	22	,	,	PUNCT
ajase-3793	14	23	education	education	NOUN
ajase-3793	14	24	,	,	PUNCT
ajase-3793	14	25	healthcare	healthcare	PROPN
ajase-3793	14	26	,	,	PUNCT
ajase-3793	14	27	or	or	CCONJ
ajase-3793	14	28	emergencies	emergency	NOUN
ajase-3793	14	29	(	(	PUNCT
ajase-3793	14	30	chisenga	chisenga	ADV
ajase-3793	14	31	,	,	PUNCT
ajase-3793	14	32	2018	2018	NUM
ajase-3793	14	33	;	;	PUNCT
ajase-3793	14	34	yan	yan	PROPN
ajase-3793	14	35	et	et	PROPN
ajase-3793	14	36	al	al	PROPN
ajase-3793	14	37	.	.	PROPN
ajase-3793	14	38	,	,	PUNCT
ajase-3793	14	39	2024	2024	NUM
ajase-3793	14	40	)	)	PUNCT
ajase-3793	14	41	.	.	PUNCT
ajase-3793	15	1	by	by	ADP
ajase-3793	15	2	improving	improve	VERB
ajase-3793	15	3	access	access	NOUN
ajase-3793	15	4	to	to	ADP
ajase-3793	15	5	credit	credit	NOUN
ajase-3793	15	6	,	,	PUNCT
ajase-3793	15	7	village	village	NOUN
ajase-3793	15	8	banking	banking	NOUN
ajase-3793	15	9	empowers	empower	NOUN
ajase-3793	15	10	women	woman	NOUN
ajase-3793	15	11	to	to	PART
ajase-3793	15	12	manage	manage	VERB
ajase-3793	15	13	their	their	PRON
ajase-3793	15	14	finances	finance	NOUN
ajase-3793	15	15	,	,	PUNCT
ajase-3793	15	16	build	build	VERB
ajase-3793	15	17	assets	asset	NOUN
ajase-3793	15	18	,	,	PUNCT
ajase-3793	15	19	and	and	CCONJ
ajase-3793	15	20	enhance	enhance	VERB
ajase-3793	15	21	their	their	PRON
ajase-3793	15	22	livelihoods	livelihood	NOUN
ajase-3793	15	23	(	(	PUNCT
ajase-3793	15	24	fula	fula	NOUN
ajase-3793	15	25	,	,	PUNCT
ajase-3793	15	26	2023	2023	NUM
ajase-3793	15	27	)	)	PUNCT
ajase-3793	15	28	.	.	PUNCT
ajase-3793	16	1	grameen	grameen	PROPN
ajase-3793	16	2	bank	bank	PROPN
ajase-3793	16	3	,	,	PUNCT
ajase-3793	16	4	founded	found	VERB
ajase-3793	16	5	by	by	ADP
ajase-3793	16	6	muhammad	muhammad	PROPN
ajase-3793	16	7	yunus	yunus	PROPN
ajase-3793	16	8	in	in	ADP
ajase-3793	16	9	bangladesh	bangladesh	NOUN
ajase-3793	16	10	in	in	ADP
ajase-3793	16	11	1983	1983	NUM
ajase-3793	16	12	,	,	PUNCT
ajase-3793	16	13	is	be	AUX
ajase-3793	16	14	a	a	DET
ajase-3793	16	15	pioneering	pioneering	ADJ
ajase-3793	16	16	microfinance	microfinance	NOUN
ajase-3793	16	17	institution	institution	NOUN
ajase-3793	16	18	recognized	recognize	VERB
ajase-3793	16	19	for	for	ADP
ajase-3793	16	20	its	its	PRON
ajase-3793	16	21	innovative	innovative	ADJ
ajase-3793	16	22	approach	approach	NOUN
ajase-3793	16	23	to	to	ADP
ajase-3793	16	24	poverty	poverty	NOUN
ajase-3793	16	25	alleviation	alleviation	NOUN
ajase-3793	16	26	.	.	PUNCT
ajase-3793	17	1	it	it	PRON
ajase-3793	17	2	provides	provide	VERB
ajase-3793	17	3	small	small	ADJ
ajase-3793	17	4	,	,	PUNCT
ajase-3793	17	5	collateral	collateral	NOUN
ajase-3793	17	6	-	-	PUNCT
ajase-3793	17	7	free	free	ADJ
ajase-3793	17	8	loans	loan	NOUN
ajase-3793	17	9	,	,	PUNCT
ajase-3793	17	10	or	or	CCONJ
ajase-3793	17	11	microcredit	microcredit	NOUN
ajase-3793	17	12	,	,	PUNCT
ajase-3793	17	13	primarily	primarily	ADV
ajase-3793	17	14	to	to	ADP
ajase-3793	17	15	economically	economically	ADV
ajase-3793	17	16	disadvantaged	disadvantaged	ADJ
ajase-3793	17	17	women	woman	NOUN
ajase-3793	17	18	who	who	PRON
ajase-3793	17	19	struggle	struggle	VERB
ajase-3793	17	20	to	to	PART
ajase-3793	17	21	access	access	VERB
ajase-3793	17	22	traditional	traditional	ADJ
ajase-3793	17	23	financial	financial	ADJ
ajase-3793	17	24	services	service	NOUN
ajase-3793	17	25	.	.	PUNCT
ajase-3793	18	1	yunus	yunus	PROPN
ajase-3793	18	2	(	(	PUNCT
ajase-3793	18	3	1983	1983	NUM
ajase-3793	18	4	)	)	PUNCT
ajase-3793	18	5	developed	develop	VERB
ajase-3793	18	6	the	the	DET
ajase-3793	18	7	concept	concept	NOUN
ajase-3793	18	8	of	of	ADP
ajase-3793	18	9	microcredit	microcredit	NOUN
ajase-3793	18	10	in	in	ADP
ajase-3793	18	11	the	the	DET
ajase-3793	18	12	1970s	1970	NOUN
ajase-3793	18	13	,	,	PUNCT
ajase-3793	18	14	believing	believe	VERB
ajase-3793	18	15	that	that	SCONJ
ajase-3793	18	16	financial	financial	ADJ
ajase-3793	18	17	access	access	NOUN
ajase-3793	18	18	is	be	AUX
ajase-3793	18	19	crucial	crucial	ADJ
ajase-3793	18	20	for	for	ADP
ajase-3793	18	21	empowering	empower	VERB
ajase-3793	18	22	the	the	DET
ajase-3793	18	23	poor	poor	ADJ
ajase-3793	18	24	.	.	PUNCT
ajase-3793	19	1	the	the	DET
ajase-3793	19	2	bank	bank	NOUN
ajase-3793	19	3	operates	operate	VERB
ajase-3793	19	4	on	on	ADP
ajase-3793	19	5	principles	principle	NOUN
ajase-3793	19	6	of	of	ADP
ajase-3793	19	7	trust	trust	NOUN
ajase-3793	19	8	and	and	CCONJ
ajase-3793	19	9	community	community	NOUN
ajase-3793	19	10	,	,	PUNCT
ajase-3793	19	11	with	with	ADP
ajase-3793	19	12	borrowers	borrower	NOUN
ajase-3793	19	13	organized	organize	VERB
ajase-3793	19	14	into	into	ADP
ajase-3793	19	15	small	small	ADJ
ajase-3793	19	16	groups	group	NOUN
ajase-3793	19	17	to	to	PART
ajase-3793	19	18	support	support	VERB
ajase-3793	19	19	each	each	DET
ajase-3793	19	20	other	other	ADJ
ajase-3793	19	21	in	in	ADP
ajase-3793	19	22	loan	loan	NOUN
ajase-3793	19	23	repayment	repayment	NOUN
ajase-3793	19	24	.	.	PUNCT
ajase-3793	20	1	a	a	DET
ajase-3793	20	2	notable	notable	ADJ
ajase-3793	20	3	model	model	NOUN
ajase-3793	20	4	that	that	PRON
ajase-3793	20	5	has	have	AUX
ajase-3793	20	6	emerged	emerge	VERB
ajase-3793	20	7	is	be	AUX
ajase-3793	20	8	village	village	NOUN
ajase-3793	20	9	banking	banking	NOUN
ajase-3793	20	10	,	,	PUNCT
ajase-3793	20	11	which	which	PRON
ajase-3793	20	12	focuses	focus	VERB
ajase-3793	20	13	on	on	ADP
ajase-3793	20	14	localized	localize	VERB
ajase-3793	20	15	,	,	PUNCT
ajase-3793	20	16	community	community	NOUN
ajase-3793	20	17	-	-	PUNCT
ajase-3793	20	18	oriented	orient	VERB
ajase-3793	20	19	microfinance	microfinance	NOUN
ajase-3793	20	20	services	service	NOUN
ajase-3793	20	21	(	(	PUNCT
ajase-3793	20	22	yunus	yunus	PROPN
ajase-3793	20	23	,	,	PUNCT
ajase-3793	20	24	1983	1983	NUM
ajase-3793	20	25	;	;	PUNCT
ajase-3793	20	26	asif	asif	NOUN
ajase-3793	20	27	,	,	PUNCT
ajase-3793	20	28	2021	2021	NUM
ajase-3793	20	29	)	)	PUNCT
ajase-3793	20	30	.	.	PUNCT
ajase-3793	21	1	chisenga	chisenga	ADV
ajase-3793	21	2	(	(	PUNCT
ajase-3793	21	3	2018	2018	NUM
ajase-3793	21	4	)	)	PUNCT
ajase-3793	21	5	notes	note	VERB
ajase-3793	21	6	that	that	SCONJ
ajase-3793	21	7	village	village	NOUN
ajase-3793	21	8	banking	banking	NOUN
ajase-3793	21	9	emphasizes	emphasize	VERB
ajase-3793	21	10	group	group	NOUN
ajase-3793	21	11	lending	lending	NOUN
ajase-3793	21	12	and	and	CCONJ
ajase-3793	21	13	social	social	ADJ
ajase-3793	21	14	collateral	collateral	NOUN
ajase-3793	21	15	,	,	PUNCT
ajase-3793	21	16	allowing	allow	VERB
ajase-3793	21	17	community	community	NOUN
ajase-3793	21	18	members	member	NOUN
ajase-3793	21	19	to	to	PART
ajase-3793	21	20	form	form	VERB
ajase-3793	21	21	savings	saving	NOUN
ajase-3793	21	22	and	and	CCONJ
ajase-3793	21	23	lending	lending	NOUN
ajase-3793	21	24	cooperatives	cooperative	NOUN
ajase-3793	21	25	.	.	PUNCT
ajase-3793	22	1	in	in	ADP
ajase-3793	22	2	zambia	zambia	PROPN
ajase-3793	22	3	and	and	CCONJ
ajase-3793	22	4	many	many	ADJ
ajase-3793	22	5	african	african	ADJ
ajase-3793	22	6	countries	country	NOUN
ajase-3793	22	7	,	,	PUNCT
ajase-3793	22	8	women	woman	NOUN
ajase-3793	22	9	face	face	VERB
ajase-3793	22	10	significant	significant	ADJ
ajase-3793	22	11	barriers	barrier	NOUN
ajase-3793	22	12	to	to	ADP
ajase-3793	22	13	accessing	access	VERB
ajase-3793	22	14	formal	formal	ADJ
ajase-3793	22	15	financial	financial	ADJ
ajase-3793	22	16	services	service	NOUN
ajase-3793	22	17	,	,	PUNCT
ajase-3793	22	18	including	include	VERB
ajase-3793	22	19	limited	limited	ADJ
ajase-3793	22	20	banking	banking	NOUN
ajase-3793	22	21	access	access	NOUN
ajase-3793	22	22	,	,	PUNCT
ajase-3793	22	23	low	low	ADJ
ajase-3793	22	24	financial	financial	ADJ
ajase-3793	22	25	literacy	literacy	NOUN
ajase-3793	22	26	,	,	PUNCT
ajase-3793	22	27	socio	socio	NOUN
ajase-3793	22	28	-	-	PUNCT
ajase-3793	22	29	cultural	cultural	ADJ
ajase-3793	22	30	norms	norm	NOUN
ajase-3793	22	31	,	,	PUNCT
ajase-3793	22	32	and	and	CCONJ
ajase-3793	22	33	gender	gender	NOUN
ajase-3793	22	34	discrimination	discrimination	NOUN
ajase-3793	22	35	(	(	PUNCT
ajase-3793	22	36	world	world	PROPN
ajase-3793	22	37	bank	bank	PROPN
ajase-3793	22	38	,	,	PUNCT
ajase-3793	22	39	2017	2017	NUM
ajase-3793	22	40	)	)	PUNCT
ajase-3793	22	41	.	.	PUNCT
ajase-3793	23	1	as	as	ADP
ajase-3793	23	2	a	a	DET
ajase-3793	23	3	result	result	NOUN
ajase-3793	23	4	,	,	PUNCT
ajase-3793	23	5	women	woman	NOUN
ajase-3793	23	6	often	often	ADV
ajase-3793	23	7	rely	rely	VERB
ajase-3793	23	8	on	on	ADP
ajase-3793	23	9	informal	informal	ADJ
ajase-3793	23	10	financial	financial	ADJ
ajase-3793	23	11	systems	system	NOUN
ajase-3793	23	12	that	that	PRON
ajase-3793	23	13	may	may	AUX
ajase-3793	23	14	not	not	PART
ajase-3793	23	15	meet	meet	VERB
ajase-3793	23	16	their	their	PRON
ajase-3793	23	17	needs	need	NOUN
ajase-3793	23	18	or	or	CCONJ
ajase-3793	23	19	provide	provide	VERB
ajase-3793	23	20	adequate	adequate	ADJ
ajase-3793	23	21	security	security	NOUN
ajase-3793	23	22	.	.	PUNCT
ajase-3793	24	1	village	village	NOUN
ajase-3793	24	2	banking	banking	NOUN
ajase-3793	24	3	offers	offer	VERB
ajase-3793	24	4	a	a	DET
ajase-3793	24	5	grassroots	grassroots	ADJ
ajase-3793	24	6	approach	approach	NOUN
ajase-3793	24	7	to	to	ADP
ajase-3793	24	8	improving	improve	VERB
ajase-3793	24	9	financial	financial	ADJ
ajase-3793	24	10	inclusion	inclusion	NOUN
ajase-3793	24	11	by	by	ADP
ajase-3793	24	12	delivering	deliver	VERB
ajase-3793	24	13	banking	banking	NOUN
ajase-3793	24	14	services	service	NOUN
ajase-3793	24	15	directly	directly	ADV
ajase-3793	24	16	within	within	ADP
ajase-3793	24	17	communities	community	NOUN
ajase-3793	24	18	(	(	PUNCT
ajase-3793	24	19	mponzi	mponzi	PROPN
ajase-3793	24	20	et	et	PROPN
ajase-3793	24	21	al	al	PROPN
ajase-3793	24	22	.	.	PROPN
ajase-3793	24	23	,	,	PUNCT
ajase-3793	24	24	2023	2023	NUM
ajase-3793	24	25	)	)	PUNCT
ajase-3793	24	26	.	.	PUNCT
ajase-3793	25	1	village	village	NOUN
ajase-3793	25	2	banking	banking	NOUN
ajase-3793	25	3	programs	program	NOUN
ajase-3793	25	4	often	often	ADV
ajase-3793	25	5	prioritize	prioritize	VERB
ajase-3793	25	6	women	woman	NOUN
ajase-3793	25	7	as	as	ADP
ajase-3793	25	8	beneficiaries	beneficiary	NOUN
ajase-3793	25	9	,	,	PUNCT
ajase-3793	25	10	recognizing	recognize	VERB
ajase-3793	25	11	their	their	PRON
ajase-3793	25	12	role	role	NOUN
ajase-3793	25	13	as	as	ADP
ajase-3793	25	14	key	key	ADJ
ajase-3793	25	15	agents	agent	NOUN
ajase-3793	25	16	of	of	ADP
ajase-3793	25	17	change	change	NOUN
ajase-3793	25	18	in	in	ADP
ajase-3793	25	19	their	their	PRON
ajase-3793	25	20	families	family	NOUN
ajase-3793	25	21	and	and	CCONJ
ajase-3793	25	22	communities	community	NOUN
ajase-3793	25	23	(	(	PUNCT
ajase-3793	25	24	sibeso	sibeso	NOUN
ajase-3793	25	25	,	,	PUNCT
ajase-3793	25	26	2022	2022	NUM
ajase-3793	25	27	)	)	PUNCT
ajase-3793	25	28	.	.	PUNCT
ajase-3793	26	1	village	village	NOUN
ajase-3793	26	2	banks	bank	NOUN
ajase-3793	26	3	in	in	ADP
ajase-3793	26	4	zambian	zambian	ADJ
ajase-3793	26	5	context	context	NOUN
ajase-3793	26	6	are	be	AUX
ajase-3793	26	7	operated	operate	VERB
ajase-3793	26	8	as	as	ADP
ajase-3793	26	9	“	"	PUNCT
ajase-3793	26	10	chilimba	chilimba	NOUN
ajase-3793	26	11	”	"	PUNCT
ajase-3793	26	12	in	in	ADP
ajase-3793	26	13	the	the	DET
ajase-3793	26	14	zambian	zambian	ADJ
ajase-3793	26	15	informal	informal	ADJ
ajase-3793	26	16	financial	financial	ADJ
ajase-3793	26	17	sector	sector	NOUN
ajase-3793	26	18	(	(	PUNCT
ajase-3793	26	19	mukulu	mukulu	VERB
ajase-3793	26	20	&	&	CCONJ
ajase-3793	26	21	qutieshat	qutieshat	NOUN
ajase-3793	26	22	,	,	PUNCT
ajase-3793	26	23	2021	2021	NUM
ajase-3793	26	24	)	)	PUNCT
ajase-3793	26	25	.	.	PUNCT
ajase-3793	27	1	chilimba	chilimba	ADJ
ajase-3793	27	2	rotational	rotational	ADJ
ajase-3793	27	3	savings	saving	NOUN
ajase-3793	27	4	groups	group	NOUN
ajase-3793	27	5	have	have	AUX
ajase-3793	27	6	been	be	AUX
ajase-3793	27	7	found	find	VERB
ajase-3793	27	8	to	to	PART
ajase-3793	27	9	be	be	AUX
ajase-3793	27	10	easy	easy	ADJ
ajase-3793	27	11	to	to	PART
ajase-3793	27	12	operate	operate	VERB
ajase-3793	27	13	despite	despite	SCONJ
ajase-3793	27	14	their	their	PRON
ajase-3793	27	15	high	high	ADJ
ajase-3793	27	16	risk	risk	NOUN
ajase-3793	27	17	.	.	PUNCT
ajase-3793	28	1	on	on	ADP
ajase-3793	28	2	a	a	DET
ajase-3793	28	3	more	more	ADV
ajase-3793	28	4	regulated	regulated	ADJ
ajase-3793	28	5	and	and	CCONJ
ajase-3793	28	6	formal	formal	ADJ
ajase-3793	28	7	platform	platform	NOUN
ajase-3793	28	8	,	,	PUNCT
ajase-3793	28	9	village	village	NOUN
ajase-3793	28	10	banks	bank	NOUN
ajase-3793	28	11	in	in	ADP
ajase-3793	28	12	zambia	zambia	PROPN
ajase-3793	28	13	are	be	AUX
ajase-3793	28	14	registered	register	VERB
ajase-3793	28	15	as	as	ADP
ajase-3793	28	16	financial	financial	ADJ
ajase-3793	28	17	cooperatives	cooperative	NOUN
ajase-3793	28	18	under	under	ADP
ajase-3793	28	19	the	the	DET
ajase-3793	28	20	ministry	ministry	PROPN
ajase-3793	28	21	of	of	ADP
ajase-3793	28	22	commerce	commerce	PROPN
ajase-3793	28	23	,	,	PUNCT
ajase-3793	28	24	trade	trade	NOUN
ajase-3793	28	25	and	and	CCONJ
ajase-3793	28	26	industry	industry	NOUN
ajase-3793	28	27	(	(	PUNCT
ajase-3793	28	28	mcti	mcti	PROPN
ajase-3793	28	29	)	)	PUNCT
ajase-3793	28	30	,	,	PUNCT
ajase-3793	28	31	which	which	PRON
ajase-3793	28	32	are	be	AUX
ajase-3793	28	33	seen	see	VERB
ajase-3793	28	34	as	as	ADP
ajase-3793	28	35	a	a	DET
ajase-3793	28	36	more	more	ADV
ajase-3793	28	37	suitable	suitable	ADJ
ajase-3793	28	38	structure	structure	NOUN
ajase-3793	28	39	to	to	PART
ajase-3793	28	40	support	support	VERB
ajase-3793	28	41	poor	poor	ADJ
ajase-3793	28	42	people	people	NOUN
ajase-3793	28	43	in	in	ADP
ajase-3793	28	44	rural	rural	ADJ
ajase-3793	28	45	areas	area	NOUN
ajase-3793	28	46	with	with	ADP
ajase-3793	28	47	financial	financial	ADJ
ajase-3793	28	48	services	service	NOUN
ajase-3793	28	49	in	in	ADP
ajase-3793	28	50	their	their	PRON
ajase-3793	28	51	farming	farming	NOUN
ajase-3793	28	52	activities	activity	NOUN
ajase-3793	28	53	(	(	PUNCT
ajase-3793	28	54	dfid	dfid	ADJ
ajase-3793	28	55	,	,	PUNCT
ajase-3793	28	56	2012	2012	NUM
ajase-3793	28	57	)	)	PUNCT
ajase-3793	28	58	.	.	PUNCT
ajase-3793	29	1	the	the	DET
ajase-3793	29	2	government	government	NOUN
ajase-3793	29	3	of	of	ADP
ajase-3793	29	4	zambia	zambia	PROPN
ajase-3793	29	5	has	have	AUX
ajase-3793	29	6	acknowledged	acknowledge	VERB
ajase-3793	29	7	the	the	DET
ajase-3793	29	8	vital	vital	ADJ
ajase-3793	29	9	pa	pa	PROPN
ajase-3793	29	10	ge	ge	PROPN
ajase-3793	29	11	15	15	NUM
ajase-3793	29	12	5	5	NUM
ajase-3793	29	13	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	29	14	am	am	NOUN
ajase-3793	29	15	.	.	PUNCT
ajase-3793	30	1	j.	j.	PROPN
ajase-3793	30	2	appl	appl	PROPN
ajase-3793	30	3	.	.	PROPN
ajase-3793	31	1	stat	stat	PROPN
ajase-3793	31	2	.	.	PUNCT
ajase-3793	32	1	econ	econ	PROPN
ajase-3793	32	2	.	.	PUNCT
ajase-3793	33	1	3(1	3(1	NUM
ajase-3793	33	2	)	)	PUNCT
ajase-3793	33	3	154	154	NUM
ajase-3793	33	4	-	-	SYM
ajase-3793	33	5	166	166	NUM
ajase-3793	33	6	,	,	PUNCT
ajase-3793	33	7	2024	2024	NUM
ajase-3793	33	8	role	role	NOUN
ajase-3793	33	9	of	of	ADP
ajase-3793	33	10	cooperatives	cooperative	NOUN
ajase-3793	33	11	in	in	ADP
ajase-3793	33	12	national	national	ADJ
ajase-3793	33	13	development	development	NOUN
ajase-3793	33	14	through	through	ADP
ajase-3793	33	15	the	the	DET
ajase-3793	33	16	seventh	seventh	ADJ
ajase-3793	33	17	national	national	PROPN
ajase-3793	33	18	development	development	NOUN
ajase-3793	33	19	plan	plan	NOUN
ajase-3793	33	20	(	(	PUNCT
ajase-3793	33	21	7ndp	7ndp	NUM
ajase-3793	33	22	)	)	PUNCT
ajase-3793	33	23	,	,	PUNCT
ajase-3793	33	24	which	which	PRON
ajase-3793	33	25	emphasizes	emphasize	VERB
ajase-3793	33	26	their	their	PRON
ajase-3793	33	27	potential	potential	NOUN
ajase-3793	33	28	for	for	ADP
ajase-3793	33	29	job	job	NOUN
ajase-3793	33	30	creation	creation	NOUN
ajase-3793	33	31	and	and	CCONJ
ajase-3793	33	32	poverty	poverty	NOUN
ajase-3793	33	33	alleviation	alleviation	NOUN
ajase-3793	33	34	.	.	PUNCT
ajase-3793	34	1	the	the	DET
ajase-3793	34	2	government	government	NOUN
ajase-3793	34	3	aims	aim	VERB
ajase-3793	34	4	to	to	PART
ajase-3793	34	5	expand	expand	VERB
ajase-3793	34	6	the	the	DET
ajase-3793	34	7	cooperative	cooperative	ADJ
ajase-3793	34	8	model	model	NOUN
ajase-3793	34	9	beyond	beyond	ADP
ajase-3793	34	10	agriculture	agriculture	NOUN
ajase-3793	34	11	,	,	PUNCT
ajase-3793	34	12	positioning	positioning	NOUN
ajase-3793	34	13	cooperatives	cooperative	NOUN
ajase-3793	34	14	as	as	ADP
ajase-3793	34	15	viable	viable	ADJ
ajase-3793	34	16	business	business	NOUN
ajase-3793	34	17	entities	entity	NOUN
ajase-3793	34	18	.	.	PUNCT
ajase-3793	35	1	since	since	SCONJ
ajase-3793	35	2	2015	2015	NUM
ajase-3793	35	3	,	,	PUNCT
ajase-3793	35	4	all	all	DET
ajase-3793	35	5	cooperative	cooperative	ADJ
ajase-3793	35	6	activities	activity	NOUN
ajase-3793	35	7	have	have	AUX
ajase-3793	35	8	been	be	AUX
ajase-3793	35	9	moved	move	VERB
ajase-3793	35	10	from	from	ADP
ajase-3793	35	11	the	the	DET
ajase-3793	35	12	ministry	ministry	PROPN
ajase-3793	35	13	of	of	ADP
ajase-3793	35	14	agriculture	agriculture	PROPN
ajase-3793	35	15	to	to	ADP
ajase-3793	35	16	the	the	DET
ajase-3793	35	17	ministry	ministry	PROPN
ajase-3793	35	18	of	of	ADP
ajase-3793	35	19	commerce	commerce	PROPN
ajase-3793	35	20	,	,	PUNCT
ajase-3793	35	21	trade	trade	NOUN
ajase-3793	35	22	and	and	CCONJ
ajase-3793	35	23	industry	industry	NOUN
ajase-3793	35	24	(	(	PUNCT
ajase-3793	35	25	mcti	mcti	PROPN
ajase-3793	35	26	)	)	PUNCT
ajase-3793	35	27	to	to	PART
ajase-3793	35	28	encourage	encourage	VERB
ajase-3793	35	29	diversification	diversification	NOUN
ajase-3793	35	30	.	.	PUNCT
ajase-3793	36	1	additionally	additionally	ADV
ajase-3793	36	2	,	,	PUNCT
ajase-3793	36	3	the	the	DET
ajase-3793	36	4	government	government	NOUN
ajase-3793	36	5	is	be	AUX
ajase-3793	36	6	revising	revise	VERB
ajase-3793	36	7	the	the	DET
ajase-3793	36	8	cooperative	cooperative	ADJ
ajase-3793	36	9	act	act	NOUN
ajase-3793	36	10	to	to	PART
ajase-3793	36	11	strengthen	strengthen	VERB
ajase-3793	36	12	the	the	DET
ajase-3793	36	13	legal	legal	ADJ
ajase-3793	36	14	framework	framework	NOUN
ajase-3793	36	15	for	for	ADP
ajase-3793	36	16	cooperatives	cooperative	NOUN
ajase-3793	36	17	.	.	PUNCT
ajase-3793	37	1	new	new	ADJ
ajase-3793	37	2	empirical	empirical	ADJ
ajase-3793	37	3	data	datum	NOUN
ajase-3793	37	4	are	be	AUX
ajase-3793	37	5	also	also	ADV
ajase-3793	37	6	needed	need	VERB
ajase-3793	37	7	to	to	PART
ajase-3793	37	8	better	well	ADV
ajase-3793	37	9	understand	understand	VERB
ajase-3793	37	10	the	the	DET
ajase-3793	37	11	current	current	ADJ
ajase-3793	37	12	landscape	landscape	NOUN
ajase-3793	37	13	of	of	ADP
ajase-3793	37	14	cooperatives	cooperative	NOUN
ajase-3793	37	15	(	(	PUNCT
ajase-3793	37	16	7ndp	7ndp	NUM
ajase-3793	37	17	,	,	PUNCT
ajase-3793	37	18	2018	2018	NUM
ajase-3793	37	19	)	)	PUNCT
ajase-3793	37	20	.	.	PUNCT
ajase-3793	38	1	financial	financial	ADJ
ajase-3793	38	2	cooperatives	cooperative	NOUN
ajase-3793	38	3	have	have	AUX
ajase-3793	38	4	long	long	ADV
ajase-3793	38	5	served	serve	VERB
ajase-3793	38	6	as	as	ADP
ajase-3793	38	7	a	a	DET
ajase-3793	38	8	key	key	ADJ
ajase-3793	38	9	savings	saving	NOUN
ajase-3793	38	10	option	option	NOUN
ajase-3793	38	11	for	for	ADP
ajase-3793	38	12	zambians	zambian	NOUN
ajase-3793	38	13	.	.	PUNCT
ajase-3793	39	1	recently	recently	ADV
ajase-3793	39	2	,	,	PUNCT
ajase-3793	39	3	zambia	zambia	PROPN
ajase-3793	39	4	has	have	AUX
ajase-3793	39	5	made	make	VERB
ajase-3793	39	6	significant	significant	ADJ
ajase-3793	39	7	strides	stride	NOUN
ajase-3793	39	8	in	in	ADP
ajase-3793	39	9	financial	financial	ADJ
ajase-3793	39	10	inclusion	inclusion	NOUN
ajase-3793	39	11	,	,	PUNCT
ajase-3793	39	12	with	with	ADP
ajase-3793	39	13	the	the	DET
ajase-3793	39	14	percentage	percentage	NOUN
ajase-3793	39	15	of	of	ADP
ajase-3793	39	16	financially	financially	ADV
ajase-3793	39	17	included	include	VERB
ajase-3793	39	18	adults	adult	NOUN
ajase-3793	39	19	rising	rise	VERB
ajase-3793	39	20	from	from	ADP
ajase-3793	39	21	33.7	33.7	NUM
ajase-3793	39	22	%	%	NOUN
ajase-3793	39	23	in	in	ADP
ajase-3793	39	24	2005	2005	NUM
ajase-3793	39	25	to	to	ADP
ajase-3793	39	26	59.3	59.3	NUM
ajase-3793	39	27	%	%	NOUN
ajase-3793	39	28	in	in	ADP
ajase-3793	39	29	2015	2015	NUM
ajase-3793	39	30	,	,	PUNCT
ajase-3793	39	31	surpassing	surpass	VERB
ajase-3793	39	32	the	the	DET
ajase-3793	39	33	2013	2013	NUM
ajase-3793	39	34	target	target	NOUN
ajase-3793	39	35	of	of	ADP
ajase-3793	39	36	50	50	NUM
ajase-3793	39	37	%	%	NOUN
ajase-3793	39	38	and	and	CCONJ
ajase-3793	39	39	aiming	aim	VERB
ajase-3793	39	40	for	for	ADP
ajase-3793	39	41	80	80	NUM
ajase-3793	39	42	%	%	NOUN
ajase-3793	39	43	by	by	ADP
ajase-3793	39	44	2022	2022	NUM
ajase-3793	39	45	.	.	PUNCT
ajase-3793	40	1	urban	urban	ADJ
ajase-3793	40	2	areas	area	NOUN
ajase-3793	40	3	saw	see	VERB
ajase-3793	40	4	a	a	DET
ajase-3793	40	5	notable	notable	ADJ
ajase-3793	40	6	increase	increase	NOUN
ajase-3793	40	7	from	from	ADP
ajase-3793	40	8	42	42	NUM
ajase-3793	40	9	%	%	NOUN
ajase-3793	40	10	in	in	ADP
ajase-3793	40	11	2009	2009	NUM
ajase-3793	40	12	to	to	ADP
ajase-3793	40	13	70.3	70.3	NUM
ajase-3793	40	14	%	%	NOUN
ajase-3793	40	15	in	in	ADP
ajase-3793	40	16	2015	2015	NUM
ajase-3793	40	17	,	,	PUNCT
ajase-3793	40	18	while	while	SCONJ
ajase-3793	40	19	rural	rural	ADJ
ajase-3793	40	20	areas	area	NOUN
ajase-3793	40	21	rose	rise	VERB
ajase-3793	40	22	from	from	ADP
ajase-3793	40	23	34.4	34.4	NUM
ajase-3793	40	24	%	%	NOUN
ajase-3793	40	25	to	to	ADP
ajase-3793	40	26	50.1	50.1	NUM
ajase-3793	40	27	%	%	NOUN
ajase-3793	40	28	.	.	PUNCT
ajase-3793	41	1	informal	informal	ADJ
ajase-3793	41	2	financial	financial	ADJ
ajase-3793	41	3	services	service	NOUN
ajase-3793	41	4	,	,	PUNCT
ajase-3793	41	5	such	such	ADJ
ajase-3793	41	6	as	as	ADP
ajase-3793	41	7	savings	saving	NOUN
ajase-3793	41	8	groups	group	NOUN
ajase-3793	41	9	and	and	CCONJ
ajase-3793	41	10	‘	'	PUNCT
ajase-3793	41	11	chilimbas	chilimbas	PROPN
ajase-3793	41	12	,	,	PUNCT
ajase-3793	41	13	’	'	PUNCT
ajase-3793	41	14	have	have	AUX
ajase-3793	41	15	been	be	AUX
ajase-3793	41	16	key	key	ADJ
ajase-3793	41	17	drivers	driver	NOUN
ajase-3793	41	18	of	of	ADP
ajase-3793	41	19	this	this	DET
ajase-3793	41	20	growth	growth	NOUN
ajase-3793	41	21	,	,	PUNCT
ajase-3793	41	22	with	with	ADP
ajase-3793	41	23	informal	informal	ADJ
ajase-3793	41	24	inclusion	inclusion	NOUN
ajase-3793	41	25	increasing	increase	VERB
ajase-3793	41	26	from	from	ADP
ajase-3793	41	27	22	22	NUM
ajase-3793	41	28	%	%	NOUN
ajase-3793	41	29	to	to	ADP
ajase-3793	41	30	38	38	NUM
ajase-3793	41	31	%	%	NOUN
ajase-3793	41	32	during	during	ADP
ajase-3793	41	33	the	the	DET
ajase-3793	41	34	same	same	ADJ
ajase-3793	41	35	period	period	NOUN
ajase-3793	41	36	.	.	PUNCT
ajase-3793	42	1	many	many	ADJ
ajase-3793	42	2	find	find	VERB
ajase-3793	42	3	these	these	DET
ajase-3793	42	4	services	service	NOUN
ajase-3793	42	5	more	more	ADV
ajase-3793	42	6	accessible	accessible	ADJ
ajase-3793	42	7	and	and	CCONJ
ajase-3793	42	8	beneficial	beneficial	ADJ
ajase-3793	42	9	than	than	ADP
ajase-3793	42	10	formal	formal	ADJ
ajase-3793	42	11	financial	financial	ADJ
ajase-3793	42	12	institutions	institution	NOUN
ajase-3793	42	13	,	,	PUNCT
ajase-3793	42	14	with	with	ADP
ajase-3793	42	15	village	village	NOUN
ajase-3793	42	16	banks	bank	NOUN
ajase-3793	42	17	being	be	AUX
ajase-3793	42	18	easy	easy	ADJ
ajase-3793	42	19	to	to	PART
ajase-3793	42	20	set	set	VERB
ajase-3793	42	21	up	up	ADP
ajase-3793	42	22	and	and	CCONJ
ajase-3793	42	23	typically	typically	ADV
ajase-3793	42	24	charging	charge	VERB
ajase-3793	42	25	only	only	ADV
ajase-3793	42	26	a	a	DET
ajase-3793	42	27	minimal	minimal	ADJ
ajase-3793	42	28	membership	membership	NOUN
ajase-3793	42	29	fee	fee	NOUN
ajase-3793	42	30	(	(	PUNCT
ajase-3793	42	31	zipar	zipar	NOUN
ajase-3793	42	32	policy	policy	NOUN
ajase-3793	42	33	brief	brief	NOUN
ajase-3793	42	34	no	no	INTJ
ajase-3793	42	35	.	.	PROPN
ajase-3793	42	36	30	30	NUM
ajase-3793	42	37	-	-	SYM
ajase-3793	42	38	2019	2019	NUM
ajase-3793	42	39	)	)	PUNCT
ajase-3793	42	40	.	.	PUNCT
ajase-3793	43	1	for	for	ADP
ajase-3793	43	2	many	many	ADJ
ajase-3793	43	3	years	year	NOUN
ajase-3793	43	4	,	,	PUNCT
ajase-3793	43	5	the	the	DET
ajase-3793	43	6	popular	popular	ADJ
ajase-3793	43	7	savings	saving	NOUN
ajase-3793	43	8	group	group	NOUN
ajase-3793	43	9	that	that	PRON
ajase-3793	43	10	zambians	zambian	NOUN
ajase-3793	43	11	have	have	AUX
ajase-3793	43	12	known	know	VERB
ajase-3793	43	13	pre	pre	NOUN
ajase-3793	43	14	and	and	CCONJ
ajase-3793	43	15	post	post	ADJ
ajase-3793	43	16	-	-	ADJ
ajase-3793	43	17	independence	independence	NOUN
ajase-3793	43	18	are	be	AUX
ajase-3793	43	19	the	the	DET
ajase-3793	43	20	financial	financial	ADJ
ajase-3793	43	21	cooperatives	cooperative	NOUN
ajase-3793	43	22	.	.	PUNCT
ajase-3793	44	1	at	at	ADP
ajase-3793	44	2	the	the	DET
ajase-3793	44	3	time	time	NOUN
ajase-3793	44	4	of	of	ADP
ajase-3793	44	5	independence	independence	NOUN
ajase-3793	44	6	,	,	PUNCT
ajase-3793	44	7	zambia	zambia	PROPN
ajase-3793	44	8	had	have	VERB
ajase-3793	44	9	an	an	DET
ajase-3793	44	10	estimated	estimate	VERB
ajase-3793	44	11	6	6	NUM
ajase-3793	44	12	financial	financial	ADJ
ajase-3793	44	13	cooperatives	cooperative	NOUN
ajase-3793	44	14	registered	register	VERB
ajase-3793	44	15	during	during	ADP
ajase-3793	44	16	the	the	DET
ajase-3793	44	17	colonial	colonial	ADJ
ajase-3793	44	18	era	era	NOUN
ajase-3793	44	19	.	.	PUNCT
ajase-3793	45	1	by	by	ADP
ajase-3793	45	2	1976	1976	NUM
ajase-3793	45	3	,	,	PUNCT
ajase-3793	45	4	the	the	DET
ajase-3793	45	5	number	number	NOUN
ajase-3793	45	6	of	of	ADP
ajase-3793	45	7	registered	register	VERB
ajase-3793	45	8	financial	financial	ADJ
ajase-3793	45	9	cooperatives	cooperative	NOUN
ajase-3793	45	10	had	have	AUX
ajase-3793	45	11	risen	rise	VERB
ajase-3793	45	12	to	to	ADP
ajase-3793	45	13	approximately	approximately	ADV
ajase-3793	45	14	500	500	NUM
ajase-3793	45	15	.	.	PUNCT
ajase-3793	46	1	the	the	DET
ajase-3793	46	2	growth	growth	NOUN
ajase-3793	46	3	in	in	ADP
ajase-3793	46	4	financial	financial	ADJ
ajase-3793	46	5	cooperatives	cooperative	NOUN
ajase-3793	46	6	saw	see	VERB
ajase-3793	46	7	the	the	DET
ajase-3793	46	8	need	need	NOUN
ajase-3793	46	9	for	for	ADP
ajase-3793	46	10	the	the	DET
ajase-3793	46	11	creation	creation	NOUN
ajase-3793	46	12	of	of	ADP
ajase-3793	46	13	a	a	DET
ajase-3793	46	14	regulating	regulate	VERB
ajase-3793	46	15	body	body	NOUN
ajase-3793	46	16	to	to	PART
ajase-3793	46	17	oversee	oversee	VERB
ajase-3793	46	18	the	the	DET
ajase-3793	46	19	operations	operation	NOUN
ajase-3793	46	20	of	of	ADP
ajase-3793	46	21	the	the	DET
ajase-3793	46	22	cooperatives	cooperative	NOUN
ajase-3793	46	23	in	in	ADP
ajase-3793	46	24	the	the	DET
ajase-3793	46	25	country	country	NOUN
ajase-3793	46	26	,	,	PUNCT
ajase-3793	46	27	and	and	CCONJ
ajase-3793	46	28	in	in	ADP
ajase-3793	46	29	1977	1977	NUM
ajase-3793	46	30	,	,	PUNCT
ajase-3793	46	31	the	the	DET
ajase-3793	46	32	credit	credit	NOUN
ajase-3793	46	33	unions	union	NOUN
ajase-3793	46	34	and	and	CCONJ
ajase-3793	46	35	savings	saving	NOUN
ajase-3793	46	36	association	association	NOUN
ajase-3793	46	37	(	(	PUNCT
ajase-3793	46	38	cusa	cusa	PROPN
ajase-3793	46	39	)	)	PUNCT
ajase-3793	46	40	was	be	AUX
ajase-3793	46	41	born	bear	VERB
ajase-3793	46	42	(	(	PUNCT
ajase-3793	46	43	7ndp	7ndp	NUM
ajase-3793	46	44	,	,	PUNCT
ajase-3793	46	45	2018	2018	NUM
ajase-3793	46	46	)	)	PUNCT
ajase-3793	46	47	.	.	PUNCT
ajase-3793	47	1	recent	recent	ADJ
ajase-3793	47	2	studies	study	NOUN
ajase-3793	47	3	have	have	AUX
ajase-3793	47	4	highlighted	highlight	VERB
ajase-3793	47	5	the	the	DET
ajase-3793	47	6	positive	positive	ADJ
ajase-3793	47	7	impact	impact	NOUN
ajase-3793	47	8	of	of	ADP
ajase-3793	47	9	village	village	NOUN
ajase-3793	47	10	banking	banking	NOUN
ajase-3793	47	11	models	model	NOUN
ajase-3793	47	12	on	on	ADP
ajase-3793	47	13	financial	financial	ADJ
ajase-3793	47	14	inclusion	inclusion	NOUN
ajase-3793	47	15	,	,	PUNCT
ajase-3793	47	16	particularly	particularly	ADV
ajase-3793	47	17	for	for	ADP
ajase-3793	47	18	women	woman	NOUN
ajase-3793	47	19	(	(	PUNCT
ajase-3793	47	20	addai	addai	PROPN
ajase-3793	47	21	,	,	PUNCT
ajase-3793	47	22	2017	2017	NUM
ajase-3793	47	23	;	;	PUNCT
ajase-3793	47	24	rahman	rahman	PROPN
ajase-3793	47	25	et	et	PROPN
ajase-3793	47	26	al	al	PROPN
ajase-3793	47	27	.	.	PROPN
ajase-3793	47	28	,	,	PUNCT
ajase-3793	47	29	2017	2017	NUM
ajase-3793	47	30	;	;	PUNCT
ajase-3793	47	31	pakkanna	pakkanna	NOUN
ajase-3793	47	32	et	et	PROPN
ajase-3793	47	33	al	al	PROPN
ajase-3793	47	34	.	.	PROPN
ajase-3793	47	35	,	,	PUNCT
ajase-3793	47	36	2020	2020	NUM
ajase-3793	47	37	)	)	PUNCT
ajase-3793	47	38	.	.	PUNCT
ajase-3793	48	1	access	access	NOUN
ajase-3793	48	2	to	to	ADP
ajase-3793	48	3	financial	financial	ADJ
ajase-3793	48	4	services	service	NOUN
ajase-3793	48	5	can	can	AUX
ajase-3793	48	6	empower	empower	VERB
ajase-3793	48	7	women	woman	NOUN
ajase-3793	48	8	economically	economically	ADV
ajase-3793	48	9	,	,	PUNCT
ajase-3793	48	10	allowing	allow	VERB
ajase-3793	48	11	them	they	PRON
ajase-3793	48	12	to	to	PART
ajase-3793	48	13	start	start	VERB
ajase-3793	48	14	or	or	CCONJ
ajase-3793	48	15	expand	expand	VERB
ajase-3793	48	16	small	small	ADJ
ajase-3793	48	17	businesses	business	NOUN
ajase-3793	48	18	,	,	PUNCT
ajase-3793	48	19	invest	invest	VERB
ajase-3793	48	20	in	in	ADP
ajase-3793	48	21	education	education	NOUN
ajase-3793	48	22	and	and	CCONJ
ajase-3793	48	23	healthcare	healthcare	NOUN
ajase-3793	48	24	,	,	PUNCT
ajase-3793	48	25	and	and	CCONJ
ajase-3793	48	26	improve	improve	VERB
ajase-3793	48	27	their	their	PRON
ajase-3793	48	28	overall	overall	ADJ
ajase-3793	48	29	quality	quality	NOUN
ajase-3793	48	30	of	of	ADP
ajase-3793	48	31	life	life	NOUN
ajase-3793	48	32	(	(	PUNCT
ajase-3793	48	33	magali	magali	PROPN
ajase-3793	48	34	,	,	PUNCT
ajase-3793	48	35	2021	2021	NUM
ajase-3793	48	36	)	)	PUNCT
ajase-3793	48	37	.	.	PUNCT
ajase-3793	49	1	village	village	NOUN
ajase-3793	49	2	banks	bank	NOUN
ajase-3793	49	3	in	in	ADP
ajase-3793	49	4	zambia	zambia	PROPN
ajase-3793	49	5	are	be	AUX
ajase-3793	49	6	a	a	DET
ajase-3793	49	7	form	form	NOUN
ajase-3793	49	8	of	of	ADP
ajase-3793	49	9	informal	informal	ADJ
ajase-3793	49	10	credit	credit	NOUN
ajase-3793	49	11	unions	union	NOUN
ajase-3793	49	12	(	(	PUNCT
ajase-3793	49	13	cu	cu	NOUN
ajase-3793	49	14	)	)	PUNCT
ajase-3793	49	15	or	or	CCONJ
ajase-3793	49	16	savings	saving	NOUN
ajase-3793	49	17	and	and	CCONJ
ajase-3793	49	18	credit	credit	NOUN
ajase-3793	49	19	cooperatives	cooperative	NOUN
ajase-3793	49	20	(	(	PUNCT
ajase-3793	49	21	saccos	saccos	PROPN
ajase-3793	49	22	)	)	PUNCT
ajase-3793	49	23	and	and	CCONJ
ajase-3793	49	24	have	have	AUX
ajase-3793	49	25	improved	improve	VERB
ajase-3793	49	26	the	the	DET
ajase-3793	49	27	economic	economic	ADJ
ajase-3793	49	28	status	status	NOUN
ajase-3793	49	29	and	and	CCONJ
ajase-3793	49	30	quality	quality	NOUN
ajase-3793	49	31	of	of	ADP
ajase-3793	49	32	life	life	NOUN
ajase-3793	49	33	for	for	ADP
ajase-3793	49	34	women	woman	NOUN
ajase-3793	49	35	(	(	PUNCT
ajase-3793	49	36	chisenga	chisenga	ADV
ajase-3793	49	37	,	,	PUNCT
ajase-3793	49	38	2018	2018	NUM
ajase-3793	49	39	)	)	PUNCT
ajase-3793	49	40	.	.	PUNCT
ajase-3793	50	1	in	in	ADP
ajase-3793	50	2	addition	addition	NOUN
ajase-3793	50	3	,	,	PUNCT
ajase-3793	50	4	the	the	DET
ajase-3793	50	5	bank	bank	NOUN
ajase-3793	50	6	of	of	ADP
ajase-3793	50	7	zambia	zambia	PROPN
ajase-3793	50	8	(	(	PUNCT
ajase-3793	50	9	boz	boz	PROPN
ajase-3793	50	10	)	)	PUNCT
ajase-3793	50	11	and	and	CCONJ
ajase-3793	50	12	other	other	ADJ
ajase-3793	50	13	key	key	ADJ
ajase-3793	50	14	stakeholders	stakeholder	NOUN
ajase-3793	50	15	have	have	AUX
ajase-3793	50	16	been	be	AUX
ajase-3793	50	17	working	work	VERB
ajase-3793	50	18	towards	towards	ADP
ajase-3793	50	19	greater	great	ADJ
ajase-3793	50	20	financial	financial	ADJ
ajase-3793	50	21	inclusion	inclusion	NOUN
ajase-3793	50	22	and	and	CCONJ
ajase-3793	50	23	gender	gender	NOUN
ajase-3793	50	24	equality	equality	NOUN
ajase-3793	50	25	,	,	PUNCT
ajase-3793	50	26	in	in	ADP
ajase-3793	50	27	line	line	NOUN
ajase-3793	50	28	with	with	ADP
ajase-3793	50	29	the	the	DET
ajase-3793	50	30	zambia	zambia	PROPN
ajase-3793	50	31	vision	vision	PROPN
ajase-3793	50	32	2030	2030	NUM
ajase-3793	50	33	(	(	PUNCT
ajase-3793	50	34	7ndp	7ndp	NUM
ajase-3793	50	35	,	,	PUNCT
ajase-3793	50	36	2018	2018	NUM
ajase-3793	50	37	;	;	PUNCT
ajase-3793	50	38	bank	bank	PROPN
ajase-3793	50	39	of	of	ADP
ajase-3793	50	40	zambia	zambia	PROPN
ajase-3793	50	41	,	,	PUNCT
ajase-3793	50	42	2022	2022	NUM
ajase-3793	50	43	)	)	PUNCT
ajase-3793	50	44	.	.	PUNCT
ajase-3793	51	1	these	these	DET
ajase-3793	51	2	efforts	effort	NOUN
ajase-3793	51	3	have	have	AUX
ajase-3793	51	4	been	be	AUX
ajase-3793	51	5	integrated	integrate	VERB
ajase-3793	51	6	into	into	ADP
ajase-3793	51	7	the	the	DET
ajase-3793	51	8	country	country	NOUN
ajase-3793	51	9	’s	’s	PART
ajase-3793	51	10	first	first	ADJ
ajase-3793	51	11	national	national	ADJ
ajase-3793	51	12	financial	financial	ADJ
ajase-3793	51	13	inclusion	inclusion	NOUN
ajase-3793	51	14	strategy	strategy	NOUN
ajase-3793	51	15	(	(	PUNCT
ajase-3793	51	16	fnfis	fnfis	INTJ
ajase-3793	51	17	)	)	PUNCT
ajase-3793	51	18	,	,	PUNCT
ajase-3793	51	19	which	which	PRON
ajase-3793	51	20	aims	aim	VERB
ajase-3793	51	21	to	to	PART
ajase-3793	51	22	halve	halve	VERB
ajase-3793	51	23	the	the	DET
ajase-3793	51	24	gender	gender	NOUN
ajase-3793	51	25	gap	gap	NOUN
ajase-3793	51	26	and	and	CCONJ
ajase-3793	51	27	increase	increase	VERB
ajase-3793	51	28	women	woman	NOUN
ajase-3793	51	29	’s	’s	PART
ajase-3793	51	30	financial	financial	ADJ
ajase-3793	51	31	inclusion	inclusion	NOUN
ajase-3793	51	32	to	to	ADP
ajase-3793	51	33	70	70	NUM
ajase-3793	51	34	per	per	ADP
ajase-3793	51	35	cent	cent	NOUN
ajase-3793	51	36	by	by	ADP
ajase-3793	51	37	2025	2025	NUM
ajase-3793	51	38	from	from	ADP
ajase-3793	51	39	30	30	NUM
ajase-3793	51	40	percent	percent	NOUN
ajase-3793	51	41	in	in	ADP
ajase-3793	51	42	2015	2015	NUM
ajase-3793	51	43	.	.	PUNCT
ajase-3793	52	1	efforts	effort	NOUN
ajase-3793	52	2	to	to	PART
ajase-3793	52	3	improve	improve	VERB
ajase-3793	52	4	financial	financial	ADJ
ajase-3793	52	5	inclusion	inclusion	NOUN
ajase-3793	52	6	have	have	AUX
ajase-3793	52	7	been	be	AUX
ajase-3793	52	8	made	make	VERB
ajase-3793	52	9	globally	globally	ADV
ajase-3793	52	10	,	,	PUNCT
ajase-3793	52	11	but	but	CCONJ
ajase-3793	52	12	women	woman	NOUN
ajase-3793	52	13	in	in	ADP
ajase-3793	52	14	developing	develop	VERB
ajase-3793	52	15	countries	country	NOUN
ajase-3793	52	16	like	like	ADP
ajase-3793	52	17	zambia	zambia	PROPN
ajase-3793	52	18	still	still	ADV
ajase-3793	52	19	face	face	VERB
ajase-3793	52	20	significant	significant	ADJ
ajase-3793	52	21	barriers	barrier	NOUN
ajase-3793	52	22	to	to	ADP
ajase-3793	52	23	accessing	access	VERB
ajase-3793	52	24	formal	formal	ADJ
ajase-3793	52	25	financial	financial	ADJ
ajase-3793	52	26	services	service	NOUN
ajase-3793	52	27	due	due	ADJ
ajase-3793	52	28	to	to	ADP
ajase-3793	52	29	socioeconomic	socioeconomic	ADJ
ajase-3793	52	30	inequalities	inequality	NOUN
ajase-3793	52	31	,	,	PUNCT
ajase-3793	52	32	cultural	cultural	ADJ
ajase-3793	52	33	practices	practice	NOUN
ajase-3793	52	34	,	,	PUNCT
ajase-3793	52	35	and	and	CCONJ
ajase-3793	52	36	poor	poor	ADJ
ajase-3793	52	37	banking	banking	NOUN
ajase-3793	52	38	infrastructure	infrastructure	NOUN
ajase-3793	52	39	(	(	PUNCT
ajase-3793	52	40	sibeso	sibeso	NOUN
ajase-3793	52	41	,	,	PUNCT
ajase-3793	52	42	2022	2022	NUM
ajase-3793	52	43	)	)	PUNCT
ajase-3793	52	44	.	.	PUNCT
ajase-3793	53	1	village	village	NOUN
ajase-3793	53	2	banking	banking	NOUN
ajase-3793	53	3	has	have	AUX
ajase-3793	53	4	emerged	emerge	VERB
ajase-3793	53	5	as	as	ADP
ajase-3793	53	6	a	a	DET
ajase-3793	53	7	promising	promising	ADJ
ajase-3793	53	8	solution	solution	NOUN
ajase-3793	53	9	to	to	PART
ajase-3793	53	10	enhance	enhance	VERB
ajase-3793	53	11	financial	financial	ADJ
ajase-3793	53	12	inclusion	inclusion	NOUN
ajase-3793	53	13	for	for	ADP
ajase-3793	53	14	women	woman	NOUN
ajase-3793	53	15	.	.	PUNCT
ajase-3793	54	1	research	research	NOUN
ajase-3793	54	2	by	by	ADP
ajase-3793	54	3	mbiro	mbiro	PROPN
ajase-3793	54	4	and	and	CCONJ
ajase-3793	54	5	ndlovu	ndlovu	NOUN
ajase-3793	54	6	(	(	PUNCT
ajase-3793	54	7	2021	2021	NUM
ajase-3793	54	8	)	)	PUNCT
ajase-3793	54	9	;	;	PUNCT
ajase-3793	54	10	bhatia	bhatia	PROPN
ajase-3793	54	11	and	and	CCONJ
ajase-3793	54	12	singh	singh	PROPN
ajase-3793	54	13	(	(	PUNCT
ajase-3793	54	14	2019	2019	NUM
ajase-3793	54	15	)	)	PUNCT
ajase-3793	54	16	,	,	PUNCT
ajase-3793	54	17	for	for	ADP
ajase-3793	54	18	instance	instance	NOUN
ajase-3793	54	19	,	,	PUNCT
ajase-3793	54	20	shows	show	VERB
ajase-3793	54	21	that	that	SCONJ
ajase-3793	54	22	access	access	NOUN
ajase-3793	54	23	to	to	ADP
ajase-3793	54	24	financial	financial	ADJ
ajase-3793	54	25	services	service	NOUN
ajase-3793	54	26	can	can	AUX
ajase-3793	54	27	significantly	significantly	ADV
ajase-3793	54	28	improve	improve	VERB
ajase-3793	54	29	women	woman	NOUN
ajase-3793	54	30	’s	’s	PART
ajase-3793	54	31	economic	economic	ADJ
ajase-3793	54	32	status	status	NOUN
ajase-3793	54	33	and	and	CCONJ
ajase-3793	54	34	quality	quality	NOUN
ajase-3793	54	35	of	of	ADP
ajase-3793	54	36	life	life	NOUN
ajase-3793	54	37	,	,	PUNCT
ajase-3793	54	38	enabling	enable	VERB
ajase-3793	54	39	them	they	PRON
ajase-3793	54	40	to	to	PART
ajase-3793	54	41	start	start	VERB
ajase-3793	54	42	or	or	CCONJ
ajase-3793	54	43	grow	grow	VERB
ajase-3793	54	44	businesses	business	NOUN
ajase-3793	54	45	,	,	PUNCT
ajase-3793	54	46	save	save	VERB
ajase-3793	54	47	,	,	PUNCT
ajase-3793	54	48	and	and	CCONJ
ajase-3793	54	49	invest	invest	VERB
ajase-3793	54	50	in	in	ADP
ajase-3793	54	51	education	education	NOUN
ajase-3793	54	52	and	and	CCONJ
ajase-3793	54	53	healthcare	healthcare	PROPN
ajase-3793	54	54	.	.	PUNCT
ajase-3793	55	1	the	the	DET
ajase-3793	55	2	afrizam	afrizam	PROPN
ajase-3793	55	3	co	co	NOUN
ajase-3793	55	4	-	-	NOUN
ajase-3793	55	5	operative	operative	ADJ
ajase-3793	55	6	in	in	ADP
ajase-3793	55	7	lusaka	lusaka	PROPN
ajase-3793	55	8	is	be	AUX
ajase-3793	55	9	an	an	DET
ajase-3793	55	10	example	example	NOUN
ajase-3793	55	11	of	of	ADP
ajase-3793	55	12	a	a	DET
ajase-3793	55	13	village	village	NOUN
ajase-3793	55	14	banking	banking	NOUN
ajase-3793	55	15	initiative	initiative	NOUN
ajase-3793	55	16	aimed	aim	VERB
ajase-3793	55	17	at	at	ADP
ajase-3793	55	18	supporting	support	VERB
ajase-3793	55	19	women	woman	NOUN
ajase-3793	55	20	’s	’s	PART
ajase-3793	55	21	financial	financial	ADJ
ajase-3793	55	22	well	well	NOUN
ajase-3793	55	23	-	-	PUNCT
ajase-3793	55	24	being	being	NOUN
ajase-3793	55	25	.	.	PUNCT
ajase-3793	56	1	however	however	ADV
ajase-3793	56	2	,	,	PUNCT
ajase-3793	56	3	there	there	PRON
ajase-3793	56	4	are	be	VERB
ajase-3793	56	5	still	still	ADV
ajase-3793	56	6	gaps	gap	NOUN
ajase-3793	56	7	in	in	ADP
ajase-3793	56	8	understanding	understand	VERB
ajase-3793	56	9	the	the	DET
ajase-3793	56	10	effectiveness	effectiveness	NOUN
ajase-3793	56	11	and	and	CCONJ
ajase-3793	56	12	linkages	linkage	NOUN
ajase-3793	56	13	of	of	ADP
ajase-3793	56	14	such	such	ADJ
ajase-3793	56	15	initiatives	initiative	NOUN
ajase-3793	56	16	,	,	PUNCT
ajase-3793	56	17	particularly	particularly	ADV
ajase-3793	56	18	regarding	regard	VERB
ajase-3793	56	19	the	the	DET
ajase-3793	56	20	african	african	ADJ
ajase-3793	56	21	financial	financial	ADJ
ajase-3793	56	22	cooperatives	cooperative	NOUN
ajase-3793	56	23	.	.	PUNCT
ajase-3793	57	1	while	while	SCONJ
ajase-3793	57	2	studies	study	NOUN
ajase-3793	57	3	have	have	AUX
ajase-3793	57	4	highlighted	highlight	VERB
ajase-3793	57	5	the	the	DET
ajase-3793	57	6	benefits	benefit	NOUN
ajase-3793	57	7	of	of	ADP
ajase-3793	57	8	saving	save	VERB
ajase-3793	57	9	groups	group	NOUN
ajase-3793	57	10	for	for	ADP
ajase-3793	57	11	women	woman	NOUN
ajase-3793	57	12	’s	’s	PART
ajase-3793	57	13	empowerment	empowerment	NOUN
ajase-3793	57	14	,	,	PUNCT
ajase-3793	57	15	more	more	ADJ
ajase-3793	57	16	research	research	NOUN
ajase-3793	57	17	is	be	AUX
ajase-3793	57	18	needed	need	VERB
ajase-3793	57	19	to	to	PART
ajase-3793	57	20	explore	explore	VERB
ajase-3793	57	21	the	the	DET
ajase-3793	57	22	relationship	relationship	NOUN
ajase-3793	57	23	between	between	ADP
ajase-3793	57	24	the	the	DET
ajase-3793	57	25	village	village	NOUN
ajase-3793	57	26	banking	banking	NOUN
ajase-3793	57	27	model	model	NOUN
ajase-3793	57	28	and	and	CCONJ
ajase-3793	57	29	women	woman	NOUN
ajase-3793	57	30	’s	’s	PART
ajase-3793	57	31	financial	financial	ADJ
ajase-3793	57	32	inclusion	inclusion	NOUN
ajase-3793	57	33	in	in	ADP
ajase-3793	57	34	zambia	zambia	PROPN
ajase-3793	57	35	.	.	PUNCT
ajase-3793	58	1	therefore	therefore	ADV
ajase-3793	58	2	,	,	PUNCT
ajase-3793	58	3	this	this	DET
ajase-3793	58	4	study	study	NOUN
ajase-3793	58	5	fills	fill	VERB
ajase-3793	58	6	this	this	DET
ajase-3793	58	7	gap	gap	NOUN
ajase-3793	58	8	by	by	ADP
ajase-3793	58	9	conducting	conduct	VERB
ajase-3793	58	10	a	a	DET
ajase-3793	58	11	thorough	thorough	ADJ
ajase-3793	58	12	assessment	assessment	NOUN
ajase-3793	58	13	of	of	ADP
ajase-3793	58	14	the	the	DET
ajase-3793	58	15	effects	effect	NOUN
ajase-3793	58	16	of	of	ADP
ajase-3793	58	17	village	village	NOUN
ajase-3793	58	18	banking	banking	NOUN
ajase-3793	58	19	on	on	ADP
ajase-3793	58	20	financial	financial	ADJ
ajase-3793	58	21	inclusion	inclusion	NOUN
ajase-3793	58	22	for	for	ADP
ajase-3793	58	23	women	woman	NOUN
ajase-3793	58	24	,	,	PUNCT
ajase-3793	58	25	focusing	focus	VERB
ajase-3793	58	26	on	on	ADP
ajase-3793	58	27	the	the	DET
ajase-3793	58	28	afrizam	afrizam	PROPN
ajase-3793	58	29	financial	financial	ADJ
ajase-3793	58	30	co	co	NOUN
ajase-3793	58	31	-	-	NOUN
ajase-3793	58	32	operative	operative	ADJ
ajase-3793	58	33	in	in	ADP
ajase-3793	58	34	lusaka	lusaka	PROPN
ajase-3793	58	35	.	.	PUNCT
ajase-3793	59	1	this	this	DET
ajase-3793	59	2	research	research	NOUN
ajase-3793	59	3	presents	present	VERB
ajase-3793	59	4	important	important	ADJ
ajase-3793	59	5	ramifications	ramification	NOUN
ajase-3793	59	6	for	for	ADP
ajase-3793	59	7	the	the	DET
ajase-3793	59	8	microfinance	microfinance	NOUN
ajase-3793	59	9	sector	sector	NOUN
ajase-3793	59	10	and	and	CCONJ
ajase-3793	59	11	the	the	DET
ajase-3793	59	12	financial	financial	ADJ
ajase-3793	59	13	inclusion	inclusion	NOUN
ajase-3793	59	14	of	of	ADP
ajase-3793	59	15	women	woman	NOUN
ajase-3793	59	16	in	in	ADP
ajase-3793	59	17	zambia	zambia	PROPN
ajase-3793	59	18	.	.	PUNCT
ajase-3793	60	1	the	the	DET
ajase-3793	60	2	following	follow	VERB
ajase-3793	60	3	objectives	objective	NOUN
ajase-3793	60	4	guided	guide	VERB
ajase-3793	60	5	the	the	DET
ajase-3793	60	6	study	study	NOUN
ajase-3793	60	7	.	.	PUNCT
ajase-3793	61	1	i.	i.	PROPN
ajase-3793	61	2	to	to	PART
ajase-3793	61	3	analyse	analyse	VERB
ajase-3793	61	4	the	the	DET
ajase-3793	61	5	factors	factor	NOUN
ajase-3793	61	6	that	that	PRON
ajase-3793	61	7	tend	tend	VERB
ajase-3793	61	8	to	to	PART
ajase-3793	61	9	promote	promote	VERB
ajase-3793	61	10	financial	financial	ADJ
ajase-3793	61	11	inclusion	inclusion	NOUN
ajase-3793	61	12	(	(	PUNCT
ajase-3793	61	13	via	via	ADP
ajase-3793	61	14	the	the	DET
ajase-3793	61	15	women	woman	NOUN
ajase-3793	61	16	co	co	ADJ
ajase-3793	61	17	-	-	ADJ
ajase-3793	61	18	operative	operative	ADJ
ajase-3793	61	19	models	model	NOUN
ajase-3793	61	20	)	)	PUNCT
ajase-3793	61	21	such	such	ADJ
ajase-3793	61	22	as	as	ADP
ajase-3793	61	23	the	the	DET
ajase-3793	61	24	afri	afri	PROPN
ajase-3793	61	25	-	-	PUNCT
ajase-3793	61	26	zam	zam	PROPN
ajase-3793	61	27	co	co	NOUN
ajase-3793	61	28	-	-	NOUN
ajase-3793	61	29	operative	operative	ADJ
ajase-3793	61	30	.	.	PUNCT
ajase-3793	62	1	ii	ii	PROPN
ajase-3793	62	2	.	.	PUNCT
ajase-3793	62	3	to	to	PART
ajase-3793	62	4	assess	assess	VERB
ajase-3793	62	5	the	the	DET
ajase-3793	62	6	level	level	NOUN
ajase-3793	62	7	of	of	ADP
ajase-3793	62	8	financial	financial	ADJ
ajase-3793	62	9	inclusion	inclusion	NOUN
ajase-3793	62	10	for	for	ADP
ajase-3793	62	11	women	woman	NOUN
ajase-3793	62	12	in	in	ADP
ajase-3793	62	13	zambia	zambia	PROPN
ajase-3793	62	14	using	use	VERB
ajase-3793	62	15	women	woman	NOUN
ajase-3793	62	16	’s	’s	PART
ajase-3793	62	17	cooperative	cooperative	ADJ
ajase-3793	62	18	models	model	NOUN
ajase-3793	62	19	,	,	PUNCT
ajase-3793	62	20	such	such	ADJ
ajase-3793	62	21	as	as	ADP
ajase-3793	62	22	the	the	DET
ajase-3793	62	23	afri	afri	PROPN
ajase-3793	62	24	-	-	PUNCT
ajase-3793	62	25	zam	zam	PROPN
ajase-3793	62	26	co	co	ADJ
ajase-3793	62	27	-	-	ADJ
ajase-3793	62	28	operative	operative	ADJ
ajase-3793	62	29	society	society	NOUN
ajase-3793	62	30	in	in	ADP
ajase-3793	62	31	lusaka	lusaka	PROPN
ajase-3793	62	32	.	.	PUNCT
ajase-3793	63	1	iii	iii	X
ajase-3793	63	2	.	.	PUNCT
ajase-3793	63	3	to	to	PART
ajase-3793	63	4	unravel	unravel	VERB
ajase-3793	63	5	the	the	DET
ajase-3793	63	6	challenges	challenge	NOUN
ajase-3793	63	7	that	that	PRON
ajase-3793	63	8	hinder	hinder	VERB
ajase-3793	63	9	financial	financial	ADJ
ajase-3793	63	10	inclusion	inclusion	NOUN
ajase-3793	63	11	for	for	ADP
ajase-3793	63	12	women	woman	NOUN
ajase-3793	63	13	at	at	ADP
ajase-3793	63	14	the	the	DET
ajase-3793	63	15	afri	afri	PROPN
ajase-3793	63	16	-	-	PUNCT
ajase-3793	63	17	zam	zam	PROPN
ajase-3793	63	18	co	co	NOUN
ajase-3793	63	19	-	-	NOUN
ajase-3793	63	20	operative	operative	ADJ
ajase-3793	63	21	.	.	PUNCT
ajase-3793	64	1	the	the	DET
ajase-3793	64	2	study	study	NOUN
ajase-3793	64	3	tests	test	VERB
ajase-3793	64	4	the	the	DET
ajase-3793	64	5	composite	composite	ADJ
ajase-3793	64	6	hypothesis	hypothesis	NOUN
ajase-3793	64	7	that	that	PRON
ajase-3793	64	8	savings	saving	NOUN
ajase-3793	64	9	,	,	PUNCT
ajase-3793	64	10	access	access	NOUN
ajase-3793	64	11	to	to	ADP
ajase-3793	64	12	credit	credit	NOUN
ajase-3793	64	13	,	,	PUNCT
ajase-3793	64	14	and	and	CCONJ
ajase-3793	64	15	social	social	ADJ
ajase-3793	64	16	capital	capital	NOUN
ajase-3793	64	17	have	have	VERB
ajase-3793	64	18	a	a	DET
ajase-3793	64	19	significant	significant	ADJ
ajase-3793	64	20	negative	negative	ADJ
ajase-3793	64	21	impact	impact	NOUN
ajase-3793	64	22	on	on	ADP
ajase-3793	64	23	the	the	DET
ajase-3793	64	24	financial	financial	ADJ
ajase-3793	64	25	inclusion	inclusion	NOUN
ajase-3793	64	26	of	of	ADP
ajase-3793	64	27	women	woman	NOUN
ajase-3793	64	28	in	in	ADP
ajase-3793	64	29	zambia	zambia	PROPN
ajase-3793	64	30	.	.	PUNCT
ajase-3793	65	1	literature	literature	PROPN
ajase-3793	65	2	review	review	VERB
ajase-3793	65	3	theoretical	theoretical	ADJ
ajase-3793	65	4	review	review	NOUN
ajase-3793	65	5	the	the	DET
ajase-3793	65	6	microfinance	microfinance	NOUN
ajase-3793	65	7	theory	theory	NOUN
ajase-3793	65	8	of	of	ADP
ajase-3793	65	9	change	change	NOUN
ajase-3793	65	10	in	in	ADP
ajase-3793	65	11	“	"	PUNCT
ajase-3793	65	12	banker	banker	NOUN
ajase-3793	65	13	to	to	ADP
ajase-3793	65	14	the	the	DET
ajase-3793	65	15	poor	poor	ADJ
ajase-3793	65	16	,	,	PUNCT
ajase-3793	65	17	”	"	PUNCT
ajase-3793	65	18	muhammad	muhammad	PROPN
ajase-3793	65	19	yunus	yunus	PROPN
ajase-3793	65	20	(	(	PUNCT
ajase-3793	65	21	1983	1983	NUM
ajase-3793	65	22	)	)	PUNCT
ajase-3793	65	23	presents	present	VERB
ajase-3793	65	24	a	a	DET
ajase-3793	65	25	transformative	transformative	ADJ
ajase-3793	65	26	view	view	NOUN
ajase-3793	65	27	through	through	ADP
ajase-3793	65	28	the	the	DET
ajase-3793	65	29	microfinance	microfinance	NOUN
ajase-3793	65	30	theory	theory	NOUN
ajase-3793	65	31	of	of	ADP
ajase-3793	65	32	change	change	NOUN
ajase-3793	65	33	,	,	PUNCT
ajase-3793	65	34	critiquing	critique	VERB
ajase-3793	65	35	traditional	traditional	ADJ
ajase-3793	65	36	banking	banking	NOUN
ajase-3793	65	37	’s	’s	PART
ajase-3793	65	38	neglect	neglect	NOUN
ajase-3793	65	39	of	of	ADP
ajase-3793	65	40	marginalized	marginalize	VERB
ajase-3793	65	41	populations	population	NOUN
ajase-3793	65	42	.	.	PUNCT
ajase-3793	66	1	he	he	PRON
ajase-3793	66	2	argues	argue	VERB
ajase-3793	66	3	that	that	SCONJ
ajase-3793	66	4	conventional	conventional	ADJ
ajase-3793	66	5	banks	bank	NOUN
ajase-3793	66	6	often	often	ADV
ajase-3793	66	7	exclude	exclude	VERB
ajase-3793	66	8	low	low	ADJ
ajase-3793	66	9	-	-	PUNCT
ajase-3793	66	10	income	income	NOUN
ajase-3793	66	11	individuals	individual	NOUN
ajase-3793	66	12	from	from	ADP
ajase-3793	66	13	essential	essential	ADJ
ajase-3793	66	14	financial	financial	ADJ
ajase-3793	66	15	services	service	NOUN
ajase-3793	66	16	,	,	PUNCT
ajase-3793	66	17	perpetuating	perpetuate	VERB
ajase-3793	66	18	poverty	poverty	NOUN
ajase-3793	66	19	.	.	PUNCT
ajase-3793	67	1	yunus	yunus	PROPN
ajase-3793	67	2	(	(	PUNCT
ajase-3793	67	3	1983	1983	NUM
ajase-3793	67	4	)	)	PUNCT
ajase-3793	67	5	introduces	introduce	NOUN
ajase-3793	67	6	microfinance	microfinance	NOUN
ajase-3793	67	7	as	as	ADP
ajase-3793	67	8	a	a	DET
ajase-3793	67	9	solution	solution	NOUN
ajase-3793	67	10	,	,	PUNCT
ajase-3793	67	11	offering	offer	VERB
ajase-3793	67	12	small	small	ADJ
ajase-3793	67	13	,	,	PUNCT
ajase-3793	67	14	collateral	collateral	ADJ
ajase-3793	67	15	-	-	PUNCT
ajase-3793	67	16	free	free	ADJ
ajase-3793	67	17	loans	loan	NOUN
ajase-3793	67	18	to	to	ADP
ajase-3793	67	19	those	those	PRON
ajase-3793	67	20	deemed	deem	VERB
ajase-3793	67	21	too	too	ADV
ajase-3793	67	22	risky	risky	ADJ
ajase-3793	67	23	by	by	ADP
ajase-3793	67	24	mainstream	mainstream	ADJ
ajase-3793	67	25	banks	bank	NOUN
ajase-3793	67	26	,	,	PUNCT
ajase-3793	67	27	particularly	particularly	ADV
ajase-3793	67	28	empowering	empower	VERB
ajase-3793	67	29	women	woman	NOUN
ajase-3793	67	30	facing	face	VERB
ajase-3793	67	31	additional	additional	ADJ
ajase-3793	67	32	barriers	barrier	NOUN
ajase-3793	67	33	to	to	ADP
ajase-3793	67	34	financial	financial	ADJ
ajase-3793	67	35	inclusion	inclusion	NOUN
ajase-3793	67	36	.	.	PUNCT
ajase-3793	68	1	these	these	DET
ajase-3793	68	2	microloans	microloan	NOUN
ajase-3793	68	3	enable	enable	VERB
ajase-3793	68	4	women	woman	NOUN
ajase-3793	68	5	to	to	PART
ajase-3793	68	6	invest	invest	VERB
ajase-3793	68	7	in	in	ADP
ajase-3793	68	8	small	small	ADJ
ajase-3793	68	9	businesses	business	NOUN
ajase-3793	68	10	,	,	PUNCT
ajase-3793	68	11	fostering	foster	VERB
ajase-3793	68	12	economic	economic	ADJ
ajase-3793	68	13	resilience	resilience	NOUN
ajase-3793	68	14	and	and	CCONJ
ajase-3793	68	15	self	self	NOUN
ajase-3793	68	16	-	-	PUNCT
ajase-3793	68	17	esteem	esteem	NOUN
ajase-3793	68	18	.	.	PUNCT
ajase-3793	69	1	yunus	yunus	PROPN
ajase-3793	69	2	emphasizes	emphasize	VERB
ajase-3793	69	3	community	community	NOUN
ajase-3793	69	4	trust	trust	NOUN
ajase-3793	69	5	and	and	CCONJ
ajase-3793	69	6	mutual	mutual	ADJ
ajase-3793	69	7	accountability	accountability	NOUN
ajase-3793	69	8	through	through	ADP
ajase-3793	69	9	group	group	NOUN
ajase-3793	69	10	lending	lending	NOUN
ajase-3793	69	11	,	,	PUNCT
ajase-3793	69	12	where	where	SCONJ
ajase-3793	69	13	borrowers	borrower	NOUN
ajase-3793	69	14	support	support	VERB
ajase-3793	69	15	pa	pa	PROPN
ajase-3793	69	16	ge	ge	PROPN
ajase-3793	69	17	15	15	NUM
ajase-3793	69	18	6	6	NUM
ajase-3793	69	19	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	69	20	am	am	NOUN
ajase-3793	69	21	.	.	PUNCT
ajase-3793	70	1	j.	j.	PROPN
ajase-3793	70	2	appl	appl	PROPN
ajase-3793	70	3	.	.	PROPN
ajase-3793	71	1	stat	stat	PROPN
ajase-3793	71	2	.	.	PUNCT
ajase-3793	72	1	econ	econ	PROPN
ajase-3793	72	2	.	.	PUNCT
ajase-3793	73	1	3(1	3(1	NUM
ajase-3793	73	2	)	)	PUNCT
ajase-3793	73	3	154	154	NUM
ajase-3793	73	4	-	-	SYM
ajase-3793	73	5	166	166	NUM
ajase-3793	73	6	,	,	PUNCT
ajase-3793	73	7	2024	2024	NUM
ajase-3793	73	8	each	each	DET
ajase-3793	73	9	other	other	ADJ
ajase-3793	73	10	in	in	ADP
ajase-3793	73	11	repaying	repay	VERB
ajase-3793	73	12	loans	loan	NOUN
ajase-3793	73	13	,	,	PUNCT
ajase-3793	73	14	reducing	reduce	VERB
ajase-3793	73	15	default	default	NOUN
ajase-3793	73	16	risk	risk	NOUN
ajase-3793	73	17	and	and	CCONJ
ajase-3793	73	18	promoting	promote	VERB
ajase-3793	73	19	financial	financial	ADJ
ajase-3793	73	20	discipline	discipline	NOUN
ajase-3793	73	21	.	.	PUNCT
ajase-3793	74	1	this	this	DET
ajase-3793	74	2	approach	approach	NOUN
ajase-3793	74	3	enhances	enhance	VERB
ajase-3793	74	4	social	social	ADJ
ajase-3793	74	5	connections	connection	NOUN
ajase-3793	74	6	and	and	CCONJ
ajase-3793	74	7	support	support	NOUN
ajase-3793	74	8	networks	network	NOUN
ajase-3793	74	9	,	,	PUNCT
ajase-3793	74	10	amplifying	amplifying	ADJ
ajase-3793	74	11	microfinance	microfinance	NOUN
ajase-3793	74	12	’s	’s	PART
ajase-3793	74	13	positive	positive	ADJ
ajase-3793	74	14	impact	impact	NOUN
ajase-3793	74	15	on	on	ADP
ajase-3793	74	16	individual	individual	ADJ
ajase-3793	74	17	and	and	CCONJ
ajase-3793	74	18	community	community	NOUN
ajase-3793	74	19	welfare	welfare	NOUN
ajase-3793	74	20	.	.	PUNCT
ajase-3793	75	1	in	in	ADP
ajase-3793	75	2	the	the	DET
ajase-3793	75	3	short	short	ADJ
ajase-3793	75	4	term	term	NOUN
ajase-3793	75	5	,	,	PUNCT
ajase-3793	75	6	microfinance	microfinance	NOUN
ajase-3793	75	7	helps	help	VERB
ajase-3793	75	8	borrowers	borrower	NOUN
ajase-3793	75	9	improve	improve	VERB
ajase-3793	75	10	their	their	PRON
ajase-3793	75	11	living	living	NOUN
ajase-3793	75	12	conditions	condition	NOUN
ajase-3793	75	13	by	by	ADP
ajase-3793	75	14	addressing	address	VERB
ajase-3793	75	15	urgent	urgent	ADJ
ajase-3793	75	16	needs	need	NOUN
ajase-3793	75	17	like	like	ADP
ajase-3793	75	18	food	food	NOUN
ajase-3793	75	19	security	security	NOUN
ajase-3793	75	20	,	,	PUNCT
ajase-3793	75	21	housing	housing	NOUN
ajase-3793	75	22	,	,	PUNCT
ajase-3793	75	23	and	and	CCONJ
ajase-3793	75	24	healthcare	healthcare	PROPN
ajase-3793	75	25	.	.	PUNCT
ajase-3793	76	1	microfinance	microfinance	NOUN
ajase-3793	76	2	offers	offer	VERB
ajase-3793	76	3	benefits	benefit	NOUN
ajase-3793	76	4	beyond	beyond	ADP
ajase-3793	76	5	individual	individual	ADJ
ajase-3793	76	6	financial	financial	ADJ
ajase-3793	76	7	security	security	NOUN
ajase-3793	76	8	,	,	PUNCT
ajase-3793	76	9	as	as	SCONJ
ajase-3793	76	10	yunus	yunus	PROPN
ajase-3793	76	11	suggests	suggest	VERB
ajase-3793	76	12	it	it	PRON
ajase-3793	76	13	can	can	AUX
ajase-3793	76	14	drive	drive	VERB
ajase-3793	76	15	societal	societal	ADJ
ajase-3793	76	16	progress	progress	NOUN
ajase-3793	76	17	in	in	ADP
ajase-3793	76	18	education	education	NOUN
ajase-3793	76	19	,	,	PUNCT
ajase-3793	76	20	health	health	NOUN
ajase-3793	76	21	,	,	PUNCT
ajase-3793	76	22	and	and	CCONJ
ajase-3793	76	23	gender	gender	NOUN
ajase-3793	76	24	equality	equality	NOUN
ajase-3793	76	25	.	.	PUNCT
ajase-3793	77	1	in	in	ADP
ajase-3793	77	2	the	the	DET
ajase-3793	77	3	context	context	NOUN
ajase-3793	77	4	of	of	ADP
ajase-3793	77	5	village	village	NOUN
ajase-3793	77	6	banking	banking	NOUN
ajase-3793	77	7	for	for	ADP
ajase-3793	77	8	women	woman	NOUN
ajase-3793	77	9	’s	’s	PART
ajase-3793	77	10	financial	financial	ADJ
ajase-3793	77	11	inclusion	inclusion	NOUN
ajase-3793	77	12	in	in	ADP
ajase-3793	77	13	the	the	DET
ajase-3793	77	14	afrizam	afrizam	PROPN
ajase-3793	77	15	co	co	ADJ
ajase-3793	77	16	-	-	ADJ
ajase-3793	77	17	operative	operative	ADJ
ajase-3793	77	18	lusaka	lusaka	PROPN
ajase-3793	77	19	,	,	PUNCT
ajase-3793	77	20	the	the	DET
ajase-3793	77	21	theory	theory	NOUN
ajase-3793	77	22	of	of	ADP
ajase-3793	77	23	change	change	NOUN
ajase-3793	77	24	is	be	AUX
ajase-3793	77	25	vital	vital	ADJ
ajase-3793	77	26	for	for	ADP
ajase-3793	77	27	understanding	understand	VERB
ajase-3793	77	28	how	how	SCONJ
ajase-3793	77	29	these	these	DET
ajase-3793	77	30	initiatives	initiative	NOUN
ajase-3793	77	31	can	can	AUX
ajase-3793	77	32	lead	lead	VERB
ajase-3793	77	33	to	to	ADP
ajase-3793	77	34	positive	positive	ADJ
ajase-3793	77	35	outcomes	outcome	NOUN
ajase-3793	77	36	.	.	PUNCT
ajase-3793	78	1	this	this	DET
ajase-3793	78	2	framework	framework	NOUN
ajase-3793	78	3	outlines	outline	VERB
ajase-3793	78	4	the	the	DET
ajase-3793	78	5	steps	step	NOUN
ajase-3793	78	6	that	that	PRON
ajase-3793	78	7	lead	lead	VERB
ajase-3793	78	8	to	to	ADP
ajase-3793	78	9	lasting	lasting	ADJ
ajase-3793	78	10	impacts	impact	NOUN
ajase-3793	78	11	,	,	PUNCT
ajase-3793	78	12	such	such	ADJ
ajase-3793	78	13	as	as	ADP
ajase-3793	78	14	improved	improved	ADJ
ajase-3793	78	15	financial	financial	ADJ
ajase-3793	78	16	literacy	literacy	NOUN
ajase-3793	78	17	,	,	PUNCT
ajase-3793	78	18	increased	increase	VERB
ajase-3793	78	19	access	access	NOUN
ajase-3793	78	20	to	to	ADP
ajase-3793	78	21	credit	credit	NOUN
ajase-3793	78	22	,	,	PUNCT
ajase-3793	78	23	and	and	CCONJ
ajase-3793	78	24	income	income	NOUN
ajase-3793	78	25	-	-	PUNCT
ajase-3793	78	26	generating	generate	VERB
ajase-3793	78	27	activities	activity	NOUN
ajase-3793	78	28	.	.	PUNCT
ajase-3793	79	1	utilizing	utilize	VERB
ajase-3793	79	2	the	the	DET
ajase-3793	79	3	theory	theory	NOUN
ajase-3793	79	4	of	of	ADP
ajase-3793	79	5	change	change	NOUN
ajase-3793	79	6	is	be	AUX
ajase-3793	79	7	crucial	crucial	ADJ
ajase-3793	79	8	for	for	ADP
ajase-3793	79	9	designing	design	VERB
ajase-3793	79	10	and	and	CCONJ
ajase-3793	79	11	evaluating	evaluate	VERB
ajase-3793	79	12	village	village	NOUN
ajase-3793	79	13	banking	banking	NOUN
ajase-3793	79	14	programs	program	NOUN
ajase-3793	79	15	,	,	PUNCT
ajase-3793	79	16	providing	provide	VERB
ajase-3793	79	17	insights	insight	NOUN
ajase-3793	79	18	into	into	ADP
ajase-3793	79	19	how	how	SCONJ
ajase-3793	79	20	specific	specific	ADJ
ajase-3793	79	21	actions	action	NOUN
ajase-3793	79	22	can	can	AUX
ajase-3793	79	23	foster	foster	VERB
ajase-3793	79	24	economic	economic	ADJ
ajase-3793	79	25	improvement	improvement	NOUN
ajase-3793	79	26	and	and	CCONJ
ajase-3793	79	27	reduce	reduce	VERB
ajase-3793	79	28	poverty	poverty	NOUN
ajase-3793	79	29	.	.	PUNCT
ajase-3793	80	1	ultimately	ultimately	ADV
ajase-3793	80	2	,	,	PUNCT
ajase-3793	80	3	microfinance	microfinance	NOUN
ajase-3793	80	4	empowers	empower	VERB
ajase-3793	80	5	individuals	individual	NOUN
ajase-3793	80	6	,	,	PUNCT
ajase-3793	80	7	particularly	particularly	ADV
ajase-3793	80	8	women	woman	NOUN
ajase-3793	80	9	,	,	PUNCT
ajase-3793	80	10	to	to	PART
ajase-3793	80	11	take	take	VERB
ajase-3793	80	12	control	control	NOUN
ajase-3793	80	13	of	of	ADP
ajase-3793	80	14	their	their	PRON
ajase-3793	80	15	finances	finance	NOUN
ajase-3793	80	16	,	,	PUNCT
ajase-3793	80	17	contributing	contribute	VERB
ajase-3793	80	18	to	to	ADP
ajase-3793	80	19	a	a	DET
ajase-3793	80	20	more	more	ADV
ajase-3793	80	21	equitable	equitable	ADJ
ajase-3793	80	22	and	and	CCONJ
ajase-3793	80	23	just	just	ADV
ajase-3793	80	24	society	society	NOUN
ajase-3793	80	25	.	.	PUNCT
ajase-3793	81	1	the	the	DET
ajase-3793	81	2	strategic	strategic	ADJ
ajase-3793	81	3	default	default	NOUN
ajase-3793	81	4	theory	theory	NOUN
ajase-3793	81	5	in	in	ADP
ajase-3793	81	6	“	"	PUNCT
ajase-3793	81	7	the	the	DET
ajase-3793	81	8	subprime	subprime	ADJ
ajase-3793	81	9	solution	solution	NOUN
ajase-3793	81	10	,	,	PUNCT
ajase-3793	81	11	”	"	PUNCT
ajase-3793	81	12	shiller	shiller	X
ajase-3793	81	13	(	(	PUNCT
ajase-3793	81	14	2008	2008	NUM
ajase-3793	81	15	)	)	PUNCT
ajase-3793	81	16	explores	explore	VERB
ajase-3793	81	17	strategic	strategic	ADJ
ajase-3793	81	18	default	default	NOUN
ajase-3793	81	19	,	,	PUNCT
ajase-3793	81	20	where	where	SCONJ
ajase-3793	81	21	borrowers	borrower	NOUN
ajase-3793	81	22	stop	stop	VERB
ajase-3793	81	23	mortgage	mortgage	NOUN
ajase-3793	81	24	payments	payment	NOUN
ajase-3793	81	25	despite	despite	SCONJ
ajase-3793	81	26	being	be	AUX
ajase-3793	81	27	able	able	ADJ
ajase-3793	81	28	to	to	PART
ajase-3793	81	29	pay	pay	VERB
ajase-3793	81	30	.	.	PUNCT
ajase-3793	82	1	this	this	PRON
ajase-3793	82	2	often	often	ADV
ajase-3793	82	3	occurs	occur	VERB
ajase-3793	82	4	when	when	SCONJ
ajase-3793	82	5	a	a	DET
ajase-3793	82	6	property	property	NOUN
ajase-3793	82	7	’s	’s	PART
ajase-3793	82	8	market	market	NOUN
ajase-3793	82	9	value	value	NOUN
ajase-3793	82	10	drops	drop	VERB
ajase-3793	82	11	below	below	ADP
ajase-3793	82	12	the	the	DET
ajase-3793	82	13	mortgage	mortgage	NOUN
ajase-3793	82	14	balance	balance	NOUN
ajase-3793	82	15	,	,	PUNCT
ajase-3793	82	16	leading	lead	VERB
ajase-3793	82	17	borrowers	borrower	NOUN
ajase-3793	82	18	to	to	PART
ajase-3793	82	19	view	view	VERB
ajase-3793	82	20	continued	continued	ADJ
ajase-3793	82	21	payments	payment	NOUN
ajase-3793	82	22	as	as	ADP
ajase-3793	82	23	economically	economically	ADV
ajase-3793	82	24	unwise	unwise	ADJ
ajase-3793	82	25	.	.	PUNCT
ajase-3793	83	1	shiller	shiller	PROPN
ajase-3793	83	2	(	(	PUNCT
ajase-3793	83	3	2008	2008	NUM
ajase-3793	83	4	)	)	PUNCT
ajase-3793	83	5	argues	argue	VERB
ajase-3793	83	6	that	that	SCONJ
ajase-3793	83	7	strategic	strategic	ADJ
ajase-3793	83	8	default	default	NOUN
ajase-3793	83	9	is	be	AUX
ajase-3793	83	10	typically	typically	ADV
ajase-3793	83	11	motivated	motivate	VERB
ajase-3793	83	12	by	by	ADP
ajase-3793	83	13	self	self	NOUN
ajase-3793	83	14	-	-	PUNCT
ajase-3793	83	15	interest	interest	NOUN
ajase-3793	83	16	rather	rather	ADV
ajase-3793	83	17	than	than	ADP
ajase-3793	83	18	true	true	ADJ
ajase-3793	83	19	financial	financial	ADJ
ajase-3793	83	20	hardship	hardship	NOUN
ajase-3793	83	21	,	,	PUNCT
ajase-3793	83	22	as	as	SCONJ
ajase-3793	83	23	homeowners	homeowner	NOUN
ajase-3793	83	24	with	with	ADP
ajase-3793	83	25	underwater	underwater	ADJ
ajase-3793	83	26	mortgages	mortgage	NOUN
ajase-3793	83	27	may	may	AUX
ajase-3793	83	28	find	find	VERB
ajase-3793	83	29	it	it	PRON
ajase-3793	83	30	more	more	ADV
ajase-3793	83	31	advantageous	advantageous	ADJ
ajase-3793	83	32	to	to	PART
ajase-3793	83	33	stop	stop	VERB
ajase-3793	83	34	payments	payment	NOUN
ajase-3793	83	35	and	and	CCONJ
ajase-3793	83	36	face	face	VERB
ajase-3793	83	37	foreclosure	foreclosure	NOUN
ajase-3793	83	38	rather	rather	ADV
ajase-3793	83	39	than	than	ADP
ajase-3793	83	40	invest	invest	VERB
ajase-3793	83	41	further	far	ADV
ajase-3793	83	42	in	in	ADP
ajase-3793	83	43	a	a	DET
ajase-3793	83	44	declining	decline	VERB
ajase-3793	83	45	asset	asset	NOUN
ajase-3793	83	46	.	.	PUNCT
ajase-3793	84	1	economic	economic	ADJ
ajase-3793	84	2	factors	factor	NOUN
ajase-3793	84	3	like	like	ADP
ajase-3793	84	4	the	the	DET
ajase-3793	84	5	housing	housing	NOUN
ajase-3793	84	6	market	market	NOUN
ajase-3793	84	7	,	,	PUNCT
ajase-3793	84	8	interest	interest	NOUN
ajase-3793	84	9	rates	rate	NOUN
ajase-3793	84	10	,	,	PUNCT
ajase-3793	84	11	and	and	CCONJ
ajase-3793	84	12	personal	personal	ADJ
ajase-3793	84	13	finances	finance	NOUN
ajase-3793	84	14	affect	affect	VERB
ajase-3793	84	15	decision	decision	NOUN
ajase-3793	84	16	-	-	PUNCT
ajase-3793	84	17	making	making	NOUN
ajase-3793	84	18	regarding	regard	VERB
ajase-3793	84	19	mortgage	mortgage	NOUN
ajase-3793	84	20	defaults	default	NOUN
ajase-3793	84	21	.	.	PUNCT
ajase-3793	85	1	shiller	shiller	PROPN
ajase-3793	85	2	(	(	PUNCT
ajase-3793	85	3	2008	2008	NUM
ajase-3793	85	4	)	)	PUNCT
ajase-3793	85	5	notes	note	VERB
ajase-3793	85	6	that	that	SCONJ
ajase-3793	85	7	societal	societal	ADJ
ajase-3793	85	8	attitudes	attitude	NOUN
ajase-3793	85	9	towards	towards	ADP
ajase-3793	85	10	defaulting	default	VERB
ajase-3793	85	11	have	have	AUX
ajase-3793	85	12	changed	change	VERB
ajase-3793	85	13	,	,	PUNCT
ajase-3793	85	14	with	with	ADP
ajase-3793	85	15	a	a	DET
ajase-3793	85	16	diminished	diminished	ADJ
ajase-3793	85	17	stigma	stigma	NOUN
ajase-3793	85	18	prompting	prompt	VERB
ajase-3793	85	19	borrowers	borrower	NOUN
ajase-3793	85	20	to	to	PART
ajase-3793	85	21	consider	consider	VERB
ajase-3793	85	22	this	this	DET
ajase-3793	85	23	option	option	NOUN
ajase-3793	85	24	more	more	ADV
ajase-3793	85	25	readily	readily	ADV
ajase-3793	85	26	.	.	PUNCT
ajase-3793	86	1	as	as	SCONJ
ajase-3793	86	2	perceptions	perception	NOUN
ajase-3793	86	3	shift	shift	NOUN
ajase-3793	86	4	,	,	PUNCT
ajase-3793	86	5	individuals	individual	NOUN
ajase-3793	86	6	may	may	AUX
ajase-3793	86	7	feel	feel	VERB
ajase-3793	86	8	less	less	ADV
ajase-3793	86	9	moral	moral	ADJ
ajase-3793	86	10	obligation	obligation	NOUN
ajase-3793	86	11	to	to	PART
ajase-3793	86	12	meet	meet	VERB
ajase-3793	86	13	mortgage	mortgage	NOUN
ajase-3793	86	14	commitments	commitment	NOUN
ajase-3793	86	15	,	,	PUNCT
ajase-3793	86	16	especially	especially	ADV
ajase-3793	86	17	when	when	SCONJ
ajase-3793	86	18	facing	face	VERB
ajase-3793	86	19	financial	financial	ADJ
ajase-3793	86	20	challenges	challenge	NOUN
ajase-3793	86	21	.	.	PUNCT
ajase-3793	87	1	strategic	strategic	ADJ
ajase-3793	87	2	defaults	default	NOUN
ajase-3793	87	3	not	not	PART
ajase-3793	87	4	only	only	ADV
ajase-3793	87	5	impact	impact	NOUN
ajase-3793	87	6	borrowers	borrower	NOUN
ajase-3793	87	7	but	but	CCONJ
ajase-3793	87	8	also	also	ADV
ajase-3793	87	9	challenge	challenge	VERB
ajase-3793	87	10	financial	financial	ADJ
ajase-3793	87	11	institutions	institution	NOUN
ajase-3793	87	12	,	,	PUNCT
ajase-3793	87	13	as	as	SCONJ
ajase-3793	87	14	lenders	lender	NOUN
ajase-3793	87	15	often	often	ADV
ajase-3793	87	16	underestimate	underestimate	VERB
ajase-3793	87	17	the	the	DET
ajase-3793	87	18	likelihood	likelihood	NOUN
ajase-3793	87	19	of	of	ADP
ajase-3793	87	20	such	such	ADJ
ajase-3793	87	21	defaults	default	NOUN
ajase-3793	87	22	,	,	PUNCT
ajase-3793	87	23	leading	lead	VERB
ajase-3793	87	24	to	to	ADP
ajase-3793	87	25	unexpected	unexpected	ADJ
ajase-3793	87	26	losses	loss	NOUN
ajase-3793	87	27	and	and	CCONJ
ajase-3793	87	28	increased	increase	VERB
ajase-3793	87	29	systemic	systemic	ADJ
ajase-3793	87	30	risks	risk	NOUN
ajase-3793	87	31	in	in	ADP
ajase-3793	87	32	the	the	DET
ajase-3793	87	33	housing	housing	NOUN
ajase-3793	87	34	market	market	NOUN
ajase-3793	87	35	.	.	PUNCT
ajase-3793	88	1	empirical	empirical	ADJ
ajase-3793	88	2	review	review	NOUN
ajase-3793	88	3	microcredit	microcredit	NOUN
ajase-3793	88	4	schemes	scheme	NOUN
ajase-3793	88	5	have	have	AUX
ajase-3793	88	6	been	be	AUX
ajase-3793	88	7	practised	practise	VERB
ajase-3793	88	8	in	in	ADP
ajase-3793	88	9	many	many	ADJ
ajase-3793	88	10	parts	part	NOUN
ajase-3793	88	11	of	of	ADP
ajase-3793	88	12	the	the	DET
ajase-3793	88	13	world	world	NOUN
ajase-3793	88	14	to	to	PART
ajase-3793	88	15	alleviate	alleviate	VERB
ajase-3793	88	16	poverty	poverty	NOUN
ajase-3793	88	17	.	.	PUNCT
ajase-3793	89	1	according	accord	VERB
ajase-3793	89	2	to	to	ADP
ajase-3793	89	3	sharma	sharma	PROPN
ajase-3793	89	4	(	(	PUNCT
ajase-3793	89	5	2000	2000	NUM
ajase-3793	89	6	)	)	PUNCT
ajase-3793	89	7	and	and	CCONJ
ajase-3793	89	8	harvey	harvey	NOUN
ajase-3793	89	9	and	and	CCONJ
ajase-3793	89	10	cristani	cristani	PROPN
ajase-3793	89	11	(	(	PUNCT
ajase-3793	89	12	2022	2022	NUM
ajase-3793	89	13	)	)	PUNCT
ajase-3793	89	14	,	,	PUNCT
ajase-3793	89	15	many	many	ADJ
ajase-3793	89	16	microcredit	microcredit	NOUN
ajase-3793	89	17	services	service	NOUN
ajase-3793	89	18	in	in	ADP
ajase-3793	89	19	asia	asia	PROPN
ajase-3793	89	20	and	and	CCONJ
ajase-3793	89	21	africa	africa	PROPN
ajase-3793	89	22	target	target	NOUN
ajase-3793	89	23	women	woman	NOUN
ajase-3793	89	24	on	on	ADP
ajase-3793	89	25	the	the	DET
ajase-3793	89	26	assumption	assumption	NOUN
ajase-3793	89	27	that	that	SCONJ
ajase-3793	89	28	empowering	empower	VERB
ajase-3793	89	29	women	woman	NOUN
ajase-3793	89	30	and	and	CCONJ
ajase-3793	89	31	providing	provide	VERB
ajase-3793	89	32	services	service	NOUN
ajase-3793	89	33	to	to	ADP
ajase-3793	89	34	them	they	PRON
ajase-3793	89	35	leads	lead	VERB
ajase-3793	89	36	to	to	ADP
ajase-3793	89	37	better	well	ADJ
ajase-3793	89	38	allocation	allocation	NOUN
ajase-3793	89	39	and	and	CCONJ
ajase-3793	89	40	use	use	NOUN
ajase-3793	89	41	of	of	ADP
ajase-3793	89	42	household	household	NOUN
ajase-3793	89	43	resources	resource	NOUN
ajase-3793	89	44	.	.	PUNCT
ajase-3793	90	1	microfinance	microfinance	NOUN
ajase-3793	90	2	,	,	PUNCT
ajase-3793	90	3	as	as	SCONJ
ajase-3793	90	4	defined	define	VERB
ajase-3793	90	5	by	by	ADP
ajase-3793	90	6	meki	meki	PROPN
ajase-3793	90	7	and	and	CCONJ
ajase-3793	90	8	quinn	quinn	PROPN
ajase-3793	90	9	(	(	PUNCT
ajase-3793	90	10	2024	2024	NUM
ajase-3793	90	11	)	)	PUNCT
ajase-3793	90	12	,	,	PUNCT
ajase-3793	90	13	provides	provide	VERB
ajase-3793	90	14	banking	banking	NOUN
ajase-3793	90	15	services	service	NOUN
ajase-3793	90	16	to	to	ADP
ajase-3793	90	17	low	low	ADJ
ajase-3793	90	18	-	-	PUNCT
ajase-3793	90	19	income	income	NOUN
ajase-3793	90	20	individuals	individual	NOUN
ajase-3793	90	21	and	and	CCONJ
ajase-3793	90	22	the	the	DET
ajase-3793	90	23	unemployed	unemployed	ADJ
ajase-3793	90	24	,	,	PUNCT
ajase-3793	90	25	aiming	aim	VERB
ajase-3793	90	26	to	to	PART
ajase-3793	90	27	integrate	integrate	VERB
ajase-3793	90	28	the	the	DET
ajase-3793	90	29	unbanked	unbanked	NOUN
ajase-3793	90	30	into	into	ADP
ajase-3793	90	31	the	the	DET
ajase-3793	90	32	financial	financial	ADJ
ajase-3793	90	33	system	system	NOUN
ajase-3793	90	34	by	by	ADP
ajase-3793	90	35	offering	offer	VERB
ajase-3793	90	36	access	access	NOUN
ajase-3793	90	37	to	to	ADP
ajase-3793	90	38	credit	credit	NOUN
ajase-3793	90	39	and	and	CCONJ
ajase-3793	90	40	savings	saving	NOUN
ajase-3793	90	41	.	.	PUNCT
ajase-3793	91	1	van	van	PROPN
ajase-3793	91	2	maanen	maanen	PROPN
ajase-3793	91	3	(	(	PUNCT
ajase-3793	91	4	2004	2004	NUM
ajase-3793	91	5	)	)	PUNCT
ajase-3793	91	6	asserts	assert	VERB
ajase-3793	91	7	that	that	SCONJ
ajase-3793	91	8	microfinance	microfinance	NOUN
ajase-3793	91	9	helps	help	VERB
ajase-3793	91	10	those	those	PRON
ajase-3793	91	11	without	without	ADP
ajase-3793	91	12	adequate	adequate	ADJ
ajase-3793	91	13	collateral	collateral	NOUN
ajase-3793	91	14	.	.	PUNCT
ajase-3793	92	1	kagan	kagan	PROPN
ajase-3793	92	2	(	(	PUNCT
ajase-3793	92	3	2024	2024	NUM
ajase-3793	92	4	)	)	PUNCT
ajase-3793	92	5	describes	describe	VERB
ajase-3793	92	6	village	village	NOUN
ajase-3793	92	7	banking	banking	NOUN
ajase-3793	92	8	as	as	ADP
ajase-3793	92	9	offering	offer	VERB
ajase-3793	92	10	small	small	ADJ
ajase-3793	92	11	loans	loan	NOUN
ajase-3793	92	12	to	to	ADP
ajase-3793	92	13	low	low	ADJ
ajase-3793	92	14	-	-	PUNCT
ajase-3793	92	15	income	income	NOUN
ajase-3793	92	16	individuals	individual	NOUN
ajase-3793	92	17	who	who	PRON
ajase-3793	92	18	can	can	AUX
ajase-3793	92	19	not	not	PART
ajase-3793	92	20	access	access	VERB
ajase-3793	92	21	traditional	traditional	ADJ
ajase-3793	92	22	credit	credit	NOUN
ajase-3793	92	23	.	.	PUNCT
ajase-3793	93	1	tria	tria	NOUN
ajase-3793	93	2	et	et	PROPN
ajase-3793	93	3	al	al	PROPN
ajase-3793	93	4	.	.	PROPN
ajase-3793	94	1	(	(	PUNCT
ajase-3793	94	2	2022	2022	NUM
ajase-3793	94	3	)	)	PUNCT
ajase-3793	94	4	contends	contend	VERB
ajase-3793	94	5	that	that	SCONJ
ajase-3793	94	6	microfinance	microfinance	NOUN
ajase-3793	94	7	or	or	CCONJ
ajase-3793	94	8	microcredit	microcredit	NOUN
ajase-3793	94	9	often	often	ADV
ajase-3793	94	10	targets	target	VERB
ajase-3793	94	11	women	woman	NOUN
ajase-3793	94	12	facing	face	VERB
ajase-3793	94	13	financial	financial	ADJ
ajase-3793	94	14	barriers	barrier	NOUN
ajase-3793	94	15	,	,	PUNCT
ajase-3793	94	16	while	while	SCONJ
ajase-3793	94	17	wakunuma	wakunuma	PROPN
ajase-3793	94	18	et	et	PROPN
ajase-3793	94	19	al	al	PROPN
ajase-3793	94	20	.	.	PROPN
ajase-3793	95	1	(	(	PUNCT
ajase-3793	95	2	2019	2019	NUM
ajase-3793	95	3	)	)	PUNCT
ajase-3793	95	4	highlight	highlight	VERB
ajase-3793	95	5	that	that	SCONJ
ajase-3793	95	6	this	this	DET
ajase-3793	95	7	limited	limited	ADJ
ajase-3793	95	8	access	access	NOUN
ajase-3793	95	9	significantly	significantly	ADV
ajase-3793	95	10	excludes	exclude	VERB
ajase-3793	95	11	women	woman	NOUN
ajase-3793	95	12	from	from	ADP
ajase-3793	95	13	the	the	DET
ajase-3793	95	14	financial	financial	ADJ
ajase-3793	95	15	system	system	NOUN
ajase-3793	95	16	.	.	PUNCT
ajase-3793	96	1	additionally	additionally	ADV
ajase-3793	96	2	,	,	PUNCT
ajase-3793	96	3	inadequate	inadequate	ADJ
ajase-3793	96	4	financial	financial	ADJ
ajase-3793	96	5	literacy	literacy	NOUN
ajase-3793	96	6	among	among	ADP
ajase-3793	96	7	women	woman	NOUN
ajase-3793	96	8	is	be	AUX
ajase-3793	96	9	a	a	DET
ajase-3793	96	10	major	major	ADJ
ajase-3793	96	11	challenge	challenge	NOUN
ajase-3793	96	12	,	,	PUNCT
ajase-3793	96	13	with	with	ADP
ajase-3793	96	14	adera	adera	NOUN
ajase-3793	96	15	and	and	CCONJ
ajase-3793	96	16	abdisa	abdisa	NOUN
ajase-3793	96	17	(	(	PUNCT
ajase-3793	96	18	2023	2023	NUM
ajase-3793	96	19	)	)	PUNCT
ajase-3793	96	20	contending	contend	VERB
ajase-3793	96	21	that	that	SCONJ
ajase-3793	96	22	financial	financial	ADJ
ajase-3793	96	23	literacy	literacy	NOUN
ajase-3793	96	24	initiatives	initiative	NOUN
ajase-3793	96	25	are	be	AUX
ajase-3793	96	26	often	often	ADV
ajase-3793	96	27	underfunded	underfunded	ADJ
ajase-3793	96	28	or	or	CCONJ
ajase-3793	96	29	poorly	poorly	ADV
ajase-3793	96	30	executed	execute	VERB
ajase-3793	96	31	,	,	PUNCT
ajase-3793	96	32	leaving	leave	VERB
ajase-3793	96	33	many	many	ADJ
ajase-3793	96	34	women	woman	NOUN
ajase-3793	96	35	unprepared	unprepared	ADJ
ajase-3793	96	36	to	to	PART
ajase-3793	96	37	manage	manage	VERB
ajase-3793	96	38	financial	financial	ADJ
ajase-3793	96	39	transactions	transaction	NOUN
ajase-3793	96	40	.	.	PUNCT
ajase-3793	97	1	mchembe	mchembe	PROPN
ajase-3793	97	2	et	et	PROPN
ajase-3793	97	3	al	al	PROPN
ajase-3793	97	4	.	.	PROPN
ajase-3793	98	1	(	(	PUNCT
ajase-3793	98	2	2023	2023	NUM
ajase-3793	98	3	)	)	PUNCT
ajase-3793	98	4	highlight	highlight	VERB
ajase-3793	98	5	significant	significant	ADJ
ajase-3793	98	6	challenges	challenge	NOUN
ajase-3793	98	7	women	woman	NOUN
ajase-3793	98	8	face	face	VERB
ajase-3793	98	9	in	in	ADP
ajase-3793	98	10	accessing	access	VERB
ajase-3793	98	11	financial	financial	ADJ
ajase-3793	98	12	resources	resource	NOUN
ajase-3793	98	13	,	,	PUNCT
ajase-3793	98	14	primarily	primarily	ADV
ajase-3793	98	15	due	due	ADP
ajase-3793	98	16	to	to	ADP
ajase-3793	98	17	cultural	cultural	ADJ
ajase-3793	98	18	and	and	CCONJ
ajase-3793	98	19	social	social	ADJ
ajase-3793	98	20	barriers	barrier	NOUN
ajase-3793	98	21	that	that	PRON
ajase-3793	98	22	hinder	hinder	VERB
ajase-3793	98	23	their	their	PRON
ajase-3793	98	24	participation	participation	NOUN
ajase-3793	98	25	in	in	ADP
ajase-3793	98	26	microfinance	microfinance	NOUN
ajase-3793	98	27	.	.	PUNCT
ajase-3793	99	1	deep	deep	ADJ
ajase-3793	99	2	-	-	PUNCT
ajase-3793	99	3	rooted	root	VERB
ajase-3793	99	4	cultural	cultural	ADJ
ajase-3793	99	5	norms	norm	NOUN
ajase-3793	99	6	often	often	ADV
ajase-3793	99	7	restrict	restrict	VERB
ajase-3793	99	8	women	woman	NOUN
ajase-3793	99	9	’s	’s	PART
ajase-3793	99	10	economic	economic	ADJ
ajase-3793	99	11	involvement	involvement	NOUN
ajase-3793	99	12	and	and	CCONJ
ajase-3793	99	13	mobility	mobility	NOUN
ajase-3793	99	14	,	,	PUNCT
ajase-3793	99	15	leading	lead	VERB
ajase-3793	99	16	to	to	ADP
ajase-3793	99	17	resistance	resistance	NOUN
ajase-3793	99	18	from	from	ADP
ajase-3793	99	19	family	family	NOUN
ajase-3793	99	20	and	and	CCONJ
ajase-3793	99	21	community	community	NOUN
ajase-3793	99	22	leaders	leader	NOUN
ajase-3793	99	23	when	when	SCONJ
ajase-3793	99	24	they	they	PRON
ajase-3793	99	25	seek	seek	VERB
ajase-3793	99	26	financial	financial	ADJ
ajase-3793	99	27	services	service	NOUN
ajase-3793	99	28	.	.	PUNCT
ajase-3793	100	1	these	these	DET
ajase-3793	100	2	constraints	constraint	NOUN
ajase-3793	100	3	,	,	PUNCT
ajase-3793	100	4	along	along	ADP
ajase-3793	100	5	with	with	ADP
ajase-3793	100	6	the	the	DET
ajase-3793	100	7	requirement	requirement	NOUN
ajase-3793	100	8	for	for	ADP
ajase-3793	100	9	collateral	collateral	NOUN
ajase-3793	100	10	—	—	PUNCT
ajase-3793	100	11	which	which	PRON
ajase-3793	100	12	many	many	ADJ
ajase-3793	100	13	women	woman	NOUN
ajase-3793	100	14	can	can	AUX
ajase-3793	100	15	not	not	PART
ajase-3793	100	16	meet	meet	VERB
ajase-3793	100	17	due	due	ADJ
ajase-3793	100	18	to	to	ADP
ajase-3793	100	19	a	a	DET
ajase-3793	100	20	lack	lack	NOUN
ajase-3793	100	21	of	of	ADP
ajase-3793	100	22	asset	asset	NOUN
ajase-3793	100	23	ownership	ownership	NOUN
ajase-3793	100	24	—	—	PUNCT
ajase-3793	100	25	further	far	ADV
ajase-3793	100	26	marginalize	marginalize	VERB
ajase-3793	100	27	them	they	PRON
ajase-3793	100	28	economically	economically	ADV
ajase-3793	100	29	.	.	PUNCT
ajase-3793	101	1	to	to	PART
ajase-3793	101	2	address	address	VERB
ajase-3793	101	3	these	these	DET
ajase-3793	101	4	issues	issue	NOUN
ajase-3793	101	5	,	,	PUNCT
ajase-3793	101	6	innovative	innovative	ADJ
ajase-3793	101	7	solutions	solution	NOUN
ajase-3793	101	8	like	like	ADP
ajase-3793	101	9	group	group	NOUN
ajase-3793	101	10	lending	lending	NOUN
ajase-3793	101	11	and	and	CCONJ
ajase-3793	101	12	characterbased	characterbase	VERB
ajase-3793	101	13	lending	lending	NOUN
ajase-3793	101	14	are	be	AUX
ajase-3793	101	15	essential	essential	ADJ
ajase-3793	101	16	to	to	PART
ajase-3793	101	17	enhance	enhance	VERB
ajase-3793	101	18	women	woman	NOUN
ajase-3793	101	19	’s	’s	PART
ajase-3793	101	20	access	access	NOUN
ajase-3793	101	21	to	to	ADP
ajase-3793	101	22	financial	financial	ADJ
ajase-3793	101	23	services	service	NOUN
ajase-3793	101	24	.	.	PUNCT
ajase-3793	102	1	many	many	ADJ
ajase-3793	102	2	conventional	conventional	ADJ
ajase-3793	102	3	microfinance	microfinance	NOUN
ajase-3793	102	4	models	model	NOUN
ajase-3793	102	5	require	require	VERB
ajase-3793	102	6	collateral	collateral	NOUN
ajase-3793	102	7	to	to	PART
ajase-3793	102	8	secure	secure	VERB
ajase-3793	102	9	loans	loan	NOUN
ajase-3793	102	10	,	,	PUNCT
ajase-3793	102	11	a	a	DET
ajase-3793	102	12	stipulation	stipulation	NOUN
ajase-3793	102	13	that	that	PRON
ajase-3793	102	14	many	many	ADJ
ajase-3793	102	15	women	woman	NOUN
ajase-3793	102	16	are	be	AUX
ajase-3793	102	17	unable	unable	ADJ
ajase-3793	102	18	to	to	PART
ajase-3793	102	19	meet	meet	VERB
ajase-3793	102	20	due	due	ADJ
ajase-3793	102	21	to	to	ADP
ajase-3793	102	22	insufficient	insufficient	ADJ
ajase-3793	102	23	ownership	ownership	NOUN
ajase-3793	102	24	of	of	ADP
ajase-3793	102	25	personal	personal	ADJ
ajase-3793	102	26	or	or	CCONJ
ajase-3793	102	27	real	real	ADJ
ajase-3793	102	28	property	property	NOUN
ajase-3793	102	29	.	.	PUNCT
ajase-3793	103	1	this	this	DET
ajase-3793	103	2	condition	condition	NOUN
ajase-3793	103	3	greatly	greatly	ADV
ajase-3793	103	4	restricts	restrict	VERB
ajase-3793	103	5	their	their	PRON
ajase-3793	103	6	capacity	capacity	NOUN
ajase-3793	103	7	to	to	PART
ajase-3793	103	8	acquire	acquire	VERB
ajase-3793	103	9	loans	loan	NOUN
ajase-3793	103	10	and	and	CCONJ
ajase-3793	103	11	other	other	ADJ
ajase-3793	103	12	financial	financial	ADJ
ajase-3793	103	13	products	product	NOUN
ajase-3793	103	14	,	,	PUNCT
ajase-3793	103	15	consequently	consequently	ADV
ajase-3793	103	16	limiting	limit	VERB
ajase-3793	103	17	their	their	PRON
ajase-3793	103	18	potential	potential	NOUN
ajase-3793	103	19	to	to	PART
ajase-3793	103	20	invest	invest	VERB
ajase-3793	103	21	in	in	ADP
ajase-3793	103	22	businesses	business	NOUN
ajase-3793	103	23	or	or	CCONJ
ajase-3793	103	24	engage	engage	VERB
ajase-3793	103	25	in	in	ADP
ajase-3793	103	26	income	income	NOUN
ajase-3793	103	27	-	-	PUNCT
ajase-3793	103	28	generating	generate	VERB
ajase-3793	103	29	activities	activity	NOUN
ajase-3793	103	30	(	(	PUNCT
ajase-3793	103	31	banerjee	banerjee	PROPN
ajase-3793	103	32	&	&	CCONJ
ajase-3793	103	33	jackson	jackson	PROPN
ajase-3793	103	34	,	,	PUNCT
ajase-3793	103	35	2017	2017	NUM
ajase-3793	103	36	)	)	PUNCT
ajase-3793	103	37	.	.	PUNCT
ajase-3793	104	1	niaz	niaz	PROPN
ajase-3793	104	2	&	&	CCONJ
ajase-3793	104	3	iqbal	iqbal	PROPN
ajase-3793	104	4	(	(	PUNCT
ajase-3793	104	5	2019	2019	NUM
ajase-3793	104	6	)	)	PUNCT
ajase-3793	104	7	studied	study	VERB
ajase-3793	104	8	the	the	DET
ajase-3793	104	9	impact	impact	NOUN
ajase-3793	104	10	of	of	ADP
ajase-3793	104	11	microfinance	microfinance	NOUN
ajase-3793	104	12	on	on	ADP
ajase-3793	104	13	women	woman	NOUN
ajase-3793	104	14	’s	’s	PART
ajase-3793	104	15	empowerment	empowerment	NOUN
ajase-3793	104	16	and	and	CCONJ
ajase-3793	104	17	poverty	poverty	NOUN
ajase-3793	104	18	alleviation	alleviation	NOUN
ajase-3793	104	19	in	in	ADP
ajase-3793	104	20	pakistan	pakistan	PROPN
ajase-3793	104	21	using	use	VERB
ajase-3793	104	22	robust	robust	ADJ
ajase-3793	104	23	methodologies	methodology	NOUN
ajase-3793	104	24	like	like	ADP
ajase-3793	104	25	ordinary	ordinary	ADJ
ajase-3793	104	26	least	least	ADJ
ajase-3793	104	27	squares	square	NOUN
ajase-3793	104	28	(	(	PUNCT
ajase-3793	104	29	ols	ol	NOUN
ajase-3793	104	30	)	)	PUNCT
ajase-3793	104	31	and	and	CCONJ
ajase-3793	104	32	propensity	propensity	NOUN
ajase-3793	104	33	score	score	NOUN
ajase-3793	104	34	matching	matching	NOUN
ajase-3793	104	35	(	(	PUNCT
ajase-3793	104	36	psm	psm	PROPN
ajase-3793	104	37	)	)	PUNCT
ajase-3793	104	38	with	with	ADP
ajase-3793	104	39	a	a	DET
ajase-3793	104	40	dataset	dataset	NOUN
ajase-3793	104	41	of	of	ADP
ajase-3793	104	42	670	670	NUM
ajase-3793	104	43	participants	participant	NOUN
ajase-3793	104	44	.	.	PUNCT
ajase-3793	105	1	they	they	PRON
ajase-3793	105	2	developed	develop	VERB
ajase-3793	105	3	a	a	DET
ajase-3793	105	4	multidimensional	multidimensional	ADJ
ajase-3793	105	5	poverty	poverty	NOUN
ajase-3793	105	6	index	index	NOUN
ajase-3793	105	7	(	(	PUNCT
ajase-3793	105	8	mpi	mpi	PROPN
ajase-3793	105	9	)	)	PUNCT
ajase-3793	105	10	to	to	PART
ajase-3793	105	11	assess	assess	VERB
ajase-3793	105	12	poverty	poverty	NOUN
ajase-3793	105	13	dimensions	dimension	NOUN
ajase-3793	105	14	.	.	PUNCT
ajase-3793	106	1	the	the	DET
ajase-3793	106	2	findings	finding	NOUN
ajase-3793	106	3	showed	show	VERB
ajase-3793	106	4	that	that	SCONJ
ajase-3793	106	5	microfinance	microfinance	NOUN
ajase-3793	106	6	significantly	significantly	ADV
ajase-3793	106	7	enhances	enhance	VERB
ajase-3793	106	8	women	woman	NOUN
ajase-3793	106	9	’s	’s	PART
ajase-3793	106	10	empowerment	empowerment	NOUN
ajase-3793	106	11	,	,	PUNCT
ajase-3793	106	12	reduces	reduce	VERB
ajase-3793	106	13	poverty	poverty	NOUN
ajase-3793	106	14	,	,	PUNCT
ajase-3793	106	15	and	and	CCONJ
ajase-3793	106	16	improves	improve	VERB
ajase-3793	106	17	social	social	ADJ
ajase-3793	106	18	status	status	NOUN
ajase-3793	106	19	through	through	ADP
ajase-3793	106	20	increased	increase	VERB
ajase-3793	106	21	income	income	NOUN
ajase-3793	106	22	.	.	PUNCT
ajase-3793	107	1	the	the	DET
ajase-3793	107	2	study	study	NOUN
ajase-3793	107	3	concluded	conclude	VERB
ajase-3793	107	4	that	that	SCONJ
ajase-3793	107	5	microfinance	microfinance	NOUN
ajase-3793	107	6	and	and	CCONJ
ajase-3793	107	7	microfinance	microfinance	NOUN
ajase-3793	107	8	institutions	institution	NOUN
ajase-3793	107	9	(	(	PUNCT
ajase-3793	107	10	mfis	mfis	PROPN
ajase-3793	107	11	)	)	PUNCT
ajase-3793	107	12	effectively	effectively	ADV
ajase-3793	107	13	promote	promote	VERB
ajase-3793	107	14	sustainable	sustainable	ADJ
ajase-3793	107	15	development	development	NOUN
ajase-3793	107	16	goals	goal	NOUN
ajase-3793	107	17	(	(	PUNCT
ajase-3793	107	18	sdgs	sdgs	ADJ
ajase-3793	107	19	)	)	PUNCT
ajase-3793	107	20	in	in	ADP
ajase-3793	107	21	pakistan	pakistan	PROPN
ajase-3793	107	22	.	.	PUNCT
ajase-3793	108	1	pare	pare	PROPN
ajase-3793	108	2	(	(	PUNCT
ajase-3793	108	3	2021	2021	NUM
ajase-3793	108	4	)	)	PUNCT
ajase-3793	108	5	conducted	conduct	VERB
ajase-3793	108	6	a	a	DET
ajase-3793	108	7	study	study	NOUN
ajase-3793	108	8	investigating	investigate	VERB
ajase-3793	108	9	the	the	DET
ajase-3793	108	10	effectiveness	effectiveness	NOUN
ajase-3793	108	11	of	of	ADP
ajase-3793	108	12	microfinance	microfinance	NOUN
ajase-3793	108	13	in	in	ADP
ajase-3793	108	14	empowering	empower	VERB
ajase-3793	108	15	women	woman	NOUN
ajase-3793	108	16	,	,	PUNCT
ajase-3793	108	17	specifically	specifically	ADV
ajase-3793	108	18	analyzing	analyze	VERB
ajase-3793	108	19	the	the	DET
ajase-3793	108	20	correlation	correlation	NOUN
ajase-3793	108	21	between	between	ADP
ajase-3793	108	22	women	woman	NOUN
ajase-3793	108	23	’s	’s	PART
ajase-3793	108	24	autonomy	autonomy	NOUN
ajase-3793	108	25	and	and	CCONJ
ajase-3793	108	26	microfinance	microfinance	NOUN
ajase-3793	108	27	initiatives	initiative	NOUN
ajase-3793	108	28	.	.	PUNCT
ajase-3793	109	1	this	this	DET
ajase-3793	109	2	research	research	NOUN
ajase-3793	109	3	provided	provide	VERB
ajase-3793	109	4	valuable	valuable	ADJ
ajase-3793	109	5	insights	insight	NOUN
ajase-3793	109	6	into	into	ADP
ajase-3793	109	7	both	both	CCONJ
ajase-3793	109	8	the	the	DET
ajase-3793	109	9	potential	potential	ADJ
ajase-3793	109	10	benefits	benefit	NOUN
ajase-3793	109	11	and	and	CCONJ
ajase-3793	109	12	drawbacks	drawback	NOUN
ajase-3793	109	13	of	of	ADP
ajase-3793	109	14	microfinance	microfinance	NOUN
ajase-3793	109	15	.	.	PUNCT
ajase-3793	110	1	utilizing	utilize	VERB
ajase-3793	110	2	ordinary	ordinary	ADJ
ajase-3793	110	3	least	least	ADJ
ajase-3793	110	4	squares	square	NOUN
ajase-3793	110	5	(	(	PUNCT
ajase-3793	110	6	ols	ol	NOUN
ajase-3793	110	7	)	)	PUNCT
ajase-3793	110	8	regression	regression	NOUN
ajase-3793	110	9	analysis	analysis	NOUN
ajase-3793	110	10	,	,	PUNCT
ajase-3793	110	11	the	the	DET
ajase-3793	110	12	study	study	NOUN
ajase-3793	110	13	examined	examine	VERB
ajase-3793	110	14	data	datum	NOUN
ajase-3793	110	15	from	from	ADP
ajase-3793	110	16	45	45	NUM
ajase-3793	110	17	developing	develop	VERB
ajase-3793	110	18	countries	country	NOUN
ajase-3793	110	19	,	,	PUNCT
ajase-3793	110	20	drawing	draw	VERB
ajase-3793	110	21	on	on	ADP
ajase-3793	110	22	information	information	NOUN
ajase-3793	110	23	from	from	ADP
ajase-3793	110	24	the	the	DET
ajase-3793	110	25	world	world	NOUN
ajase-3793	110	26	bank	bank	PROPN
ajase-3793	110	27	and	and	CCONJ
ajase-3793	110	28	the	the	DET
ajase-3793	110	29	united	united	PROPN
ajase-3793	110	30	nations	nations	PROPN
ajase-3793	110	31	.	.	PUNCT
ajase-3793	111	1	to	to	PART
ajase-3793	111	2	ensure	ensure	VERB
ajase-3793	111	3	the	the	DET
ajase-3793	111	4	robustness	robustness	NOUN
ajase-3793	111	5	of	of	ADP
ajase-3793	111	6	the	the	DET
ajase-3793	111	7	findings	finding	NOUN
ajase-3793	111	8	,	,	PUNCT
ajase-3793	111	9	women	woman	NOUN
ajase-3793	111	10	’s	’s	PART
ajase-3793	111	11	autonomy	autonomy	NOUN
ajase-3793	111	12	was	be	AUX
ajase-3793	111	13	assessed	assess	VERB
ajase-3793	111	14	through	through	ADP
ajase-3793	111	15	multiple	multiple	ADJ
ajase-3793	111	16	indicators	indicator	NOUN
ajase-3793	111	17	,	,	PUNCT
ajase-3793	111	18	including	include	VERB
ajase-3793	111	19	pa	pa	PROPN
ajase-3793	111	20	ge	ge	PROPN
ajase-3793	111	21	15	15	NUM
ajase-3793	111	22	7	7	NUM
ajase-3793	111	23	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	111	24	am	am	NOUN
ajase-3793	111	25	.	.	PUNCT
ajase-3793	112	1	j.	j.	PROPN
ajase-3793	112	2	appl	appl	PROPN
ajase-3793	112	3	.	.	PROPN
ajase-3793	113	1	stat	stat	PROPN
ajase-3793	113	2	.	.	PUNCT
ajase-3793	114	1	econ	econ	PROPN
ajase-3793	114	2	.	.	PUNCT
ajase-3793	115	1	3(1	3(1	NUM
ajase-3793	115	2	)	)	PUNCT
ajase-3793	115	3	154	154	NUM
ajase-3793	115	4	-	-	SYM
ajase-3793	115	5	166	166	NUM
ajase-3793	115	6	,	,	PUNCT
ajase-3793	115	7	2024	2024	NUM
ajase-3793	115	8	rates	rate	NOUN
ajase-3793	115	9	of	of	ADP
ajase-3793	115	10	female	female	ADJ
ajase-3793	115	11	secondary	secondary	ADJ
ajase-3793	115	12	school	school	NOUN
ajase-3793	115	13	enrolment	enrolment	NOUN
ajase-3793	115	14	,	,	PUNCT
ajase-3793	115	15	women	woman	NOUN
ajase-3793	115	16	’s	’s	PART
ajase-3793	115	17	involvement	involvement	NOUN
ajase-3793	115	18	in	in	ADP
ajase-3793	115	19	decision	decision	NOUN
ajase-3793	115	20	-	-	PUNCT
ajase-3793	115	21	making	make	VERB
ajase-3793	115	22	processes	process	NOUN
ajase-3793	115	23	,	,	PUNCT
ajase-3793	115	24	and	and	CCONJ
ajase-3793	115	25	statistics	statistic	NOUN
ajase-3793	115	26	on	on	ADP
ajase-3793	115	27	female	female	ADJ
ajase-3793	115	28	unemployment	unemployment	NOUN
ajase-3793	115	29	and	and	CCONJ
ajase-3793	115	30	labour	labour	ADJ
ajase-3793	115	31	force	force	NOUN
ajase-3793	115	32	participation	participation	NOUN
ajase-3793	115	33	.	.	PUNCT
ajase-3793	116	1	the	the	DET
ajase-3793	116	2	results	result	NOUN
ajase-3793	116	3	revealed	reveal	VERB
ajase-3793	116	4	that	that	SCONJ
ajase-3793	116	5	microfinance	microfinance	NOUN
ajase-3793	116	6	has	have	VERB
ajase-3793	116	7	negligible	negligible	ADJ
ajase-3793	116	8	positive	positive	ADJ
ajase-3793	116	9	effects	effect	NOUN
ajase-3793	116	10	on	on	ADP
ajase-3793	116	11	women	woman	NOUN
ajase-3793	116	12	’s	’s	PART
ajase-3793	116	13	autonomy	autonomy	NOUN
ajase-3793	116	14	.	.	PUNCT
ajase-3793	117	1	evidently	evidently	ADV
ajase-3793	117	2	,	,	PUNCT
ajase-3793	117	3	the	the	DET
ajase-3793	117	4	only	only	ADJ
ajase-3793	117	5	significant	significant	ADJ
ajase-3793	117	6	factor	factor	NOUN
ajase-3793	117	7	associated	associate	VERB
ajase-3793	117	8	with	with	ADP
ajase-3793	117	9	microfinance	microfinance	NOUN
ajase-3793	117	10	was	be	AUX
ajase-3793	117	11	the	the	DET
ajase-3793	117	12	proportion	proportion	NOUN
ajase-3793	117	13	of	of	ADP
ajase-3793	117	14	female	female	ADJ
ajase-3793	117	15	borrowers	borrower	NOUN
ajase-3793	117	16	,	,	PUNCT
ajase-3793	117	17	which	which	PRON
ajase-3793	117	18	influenced	influence	VERB
ajase-3793	117	19	both	both	DET
ajase-3793	117	20	female	female	ADJ
ajase-3793	117	21	secondary	secondary	ADJ
ajase-3793	117	22	school	school	NOUN
ajase-3793	117	23	enrolment	enrolment	NOUN
ajase-3793	117	24	and	and	CCONJ
ajase-3793	117	25	the	the	DET
ajase-3793	117	26	poverty	poverty	NOUN
ajase-3793	117	27	headcount	headcount	NOUN
ajase-3793	117	28	ratio	ratio	NOUN
ajase-3793	117	29	.	.	PUNCT
ajase-3793	118	1	islam	islam	PROPN
ajase-3793	118	2	et	et	PROPN
ajase-3793	118	3	al	al	PROPN
ajase-3793	118	4	.	.	PROPN
ajase-3793	118	5	(	(	PUNCT
ajase-3793	118	6	2020	2020	NUM
ajase-3793	118	7	)	)	PUNCT
ajase-3793	118	8	examined	examine	VERB
ajase-3793	118	9	the	the	DET
ajase-3793	118	10	impact	impact	NOUN
ajase-3793	118	11	of	of	ADP
ajase-3793	118	12	financial	financial	ADJ
ajase-3793	118	13	inclusion	inclusion	NOUN
ajase-3793	118	14	on	on	ADP
ajase-3793	118	15	female	female	ADJ
ajase-3793	118	16	entrepreneurs	entrepreneur	NOUN
ajase-3793	118	17	in	in	ADP
ajase-3793	118	18	smes	smes	PROPN
ajase-3793	118	19	in	in	ADP
ajase-3793	118	20	bangladesh	bangladesh	PROPN
ajase-3793	118	21	,	,	PUNCT
ajase-3793	118	22	involving	involve	VERB
ajase-3793	118	23	207	207	NUM
ajase-3793	118	24	women	woman	NOUN
ajase-3793	118	25	.	.	PUNCT
ajase-3793	119	1	data	datum	NOUN
ajase-3793	119	2	was	be	AUX
ajase-3793	119	3	collected	collect	VERB
ajase-3793	119	4	via	via	ADP
ajase-3793	119	5	a	a	DET
ajase-3793	119	6	structured	structured	ADJ
ajase-3793	119	7	questionnaire	questionnaire	NOUN
ajase-3793	119	8	using	use	VERB
ajase-3793	119	9	a	a	DET
ajase-3793	119	10	5	5	NUM
ajase-3793	119	11	-	-	PUNCT
ajase-3793	119	12	point	point	NOUN
ajase-3793	119	13	likert	likert	ADJ
ajase-3793	119	14	scale	scale	NOUN
ajase-3793	119	15	and	and	CCONJ
ajase-3793	119	16	analyzed	analyze	VERB
ajase-3793	119	17	with	with	ADP
ajase-3793	119	18	multivariate	multivariate	NOUN
ajase-3793	119	19	techniques	technique	NOUN
ajase-3793	119	20	.	.	PUNCT
ajase-3793	120	1	key	key	ADJ
ajase-3793	120	2	findings	finding	NOUN
ajase-3793	120	3	identified	identify	VERB
ajase-3793	120	4	factors	factor	NOUN
ajase-3793	120	5	influencing	influence	VERB
ajase-3793	120	6	financial	financial	ADJ
ajase-3793	120	7	inclusion	inclusion	NOUN
ajase-3793	120	8	,	,	PUNCT
ajase-3793	120	9	such	such	ADJ
ajase-3793	120	10	as	as	ADP
ajase-3793	120	11	accessible	accessible	ADJ
ajase-3793	120	12	payment	payment	NOUN
ajase-3793	120	13	methods	method	NOUN
ajase-3793	120	14	,	,	PUNCT
ajase-3793	120	15	simple	simple	ADJ
ajase-3793	120	16	transactions	transaction	NOUN
ajase-3793	120	17	,	,	PUNCT
ajase-3793	120	18	job	job	NOUN
ajase-3793	120	19	creation	creation	NOUN
ajase-3793	120	20	through	through	ADP
ajase-3793	120	21	agent	agent	NOUN
ajase-3793	120	22	roles	role	NOUN
ajase-3793	120	23	,	,	PUNCT
ajase-3793	120	24	minimal	minimal	ADJ
ajase-3793	120	25	network	network	NOUN
ajase-3793	120	26	challenges	challenge	NOUN
ajase-3793	120	27	,	,	PUNCT
ajase-3793	120	28	and	and	CCONJ
ajase-3793	120	29	broad	broad	ADJ
ajase-3793	120	30	geographical	geographical	ADJ
ajase-3793	120	31	coverage	coverage	NOUN
ajase-3793	120	32	,	,	PUNCT
ajase-3793	120	33	all	all	PRON
ajase-3793	120	34	significantly	significantly	ADV
ajase-3793	120	35	affecting	affect	VERB
ajase-3793	120	36	female	female	ADJ
ajase-3793	120	37	sme	sme	NOUN
ajase-3793	120	38	entrepreneurs	entrepreneur	NOUN
ajase-3793	120	39	.	.	PUNCT
ajase-3793	121	1	frisancho	frisancho	PROPN
ajase-3793	121	2	and	and	CCONJ
ajase-3793	121	3	valdivia	valdivia	PROPN
ajase-3793	121	4	(	(	PUNCT
ajase-3793	121	5	2020	2020	NUM
ajase-3793	121	6	)	)	PUNCT
ajase-3793	121	7	investigated	investigate	VERB
ajase-3793	121	8	the	the	DET
ajase-3793	121	9	effects	effect	NOUN
ajase-3793	121	10	of	of	ADP
ajase-3793	121	11	implementing	implement	VERB
ajase-3793	121	12	savings	saving	NOUN
ajase-3793	121	13	groups	group	NOUN
ajase-3793	121	14	on	on	ADP
ajase-3793	121	15	poverty	poverty	NOUN
ajase-3793	121	16	alleviation	alleviation	NOUN
ajase-3793	121	17	,	,	PUNCT
ajase-3793	121	18	vulnerability	vulnerability	NOUN
ajase-3793	121	19	reduction	reduction	NOUN
ajase-3793	121	20	,	,	PUNCT
ajase-3793	121	21	and	and	CCONJ
ajase-3793	121	22	financial	financial	ADJ
ajase-3793	121	23	inclusion	inclusion	NOUN
ajase-3793	121	24	in	in	ADP
ajase-3793	121	25	rural	rural	ADJ
ajase-3793	121	26	peru	peru	PROPN
ajase-3793	121	27	.	.	PUNCT
ajase-3793	122	1	employing	employ	VERB
ajase-3793	122	2	a	a	DET
ajase-3793	122	3	cluster	cluster	NOUN
ajase-3793	122	4	randomized	randomize	VERB
ajase-3793	122	5	control	control	NOUN
ajase-3793	122	6	trial	trial	NOUN
ajase-3793	122	7	and	and	CCONJ
ajase-3793	122	8	utilizing	utilize	VERB
ajase-3793	122	9	both	both	CCONJ
ajase-3793	122	10	survey	survey	NOUN
ajase-3793	122	11	data	datum	NOUN
ajase-3793	122	12	and	and	CCONJ
ajase-3793	122	13	administrative	administrative	ADJ
ajase-3793	122	14	records	record	NOUN
ajase-3793	122	15	,	,	PUNCT
ajase-3793	122	16	the	the	DET
ajase-3793	122	17	research	research	NOUN
ajase-3793	122	18	assessed	assess	VERB
ajase-3793	122	19	the	the	DET
ajase-3793	122	20	impact	impact	NOUN
ajase-3793	122	21	of	of	ADP
ajase-3793	122	22	savings	saving	NOUN
ajase-3793	122	23	groups	group	NOUN
ajase-3793	122	24	over	over	ADP
ajase-3793	122	25	a	a	DET
ajase-3793	122	26	two	two	NUM
ajase-3793	122	27	-	-	PUNCT
ajase-3793	122	28	year	year	NOUN
ajase-3793	122	29	period	period	NOUN
ajase-3793	122	30	.	.	PUNCT
ajase-3793	123	1	the	the	DET
ajase-3793	123	2	results	result	NOUN
ajase-3793	123	3	demonstrated	demonstrate	VERB
ajase-3793	123	4	that	that	SCONJ
ajase-3793	123	5	savings	saving	NOUN
ajase-3793	123	6	groups	group	NOUN
ajase-3793	123	7	enable	enable	VERB
ajase-3793	123	8	households	household	NOUN
ajase-3793	123	9	to	to	PART
ajase-3793	123	10	make	make	VERB
ajase-3793	123	11	significant	significant	ADJ
ajase-3793	123	12	investments	investment	NOUN
ajase-3793	123	13	,	,	PUNCT
ajase-3793	123	14	such	such	ADJ
ajase-3793	123	15	as	as	ADP
ajase-3793	123	16	improvements	improvement	NOUN
ajase-3793	123	17	to	to	ADP
ajase-3793	123	18	housing	housing	NOUN
ajase-3793	123	19	,	,	PUNCT
ajase-3793	123	20	while	while	SCONJ
ajase-3793	123	21	also	also	ADV
ajase-3793	123	22	mitigating	mitigate	VERB
ajase-3793	123	23	their	their	PRON
ajase-3793	123	24	vulnerability	vulnerability	NOUN
ajase-3793	123	25	to	to	ADP
ajase-3793	123	26	specific	specific	ADJ
ajase-3793	123	27	shocks	shock	NOUN
ajase-3793	123	28	,	,	PUNCT
ajase-3793	123	29	particularly	particularly	ADV
ajase-3793	123	30	in	in	ADP
ajase-3793	123	31	economically	economically	ADV
ajase-3793	123	32	disadvantaged	disadvantaged	ADJ
ajase-3793	123	33	districts	district	NOUN
ajase-3793	123	34	.	.	PUNCT
ajase-3793	124	1	maganga	maganga	NOUN
ajase-3793	124	2	(	(	PUNCT
ajase-3793	124	3	2021	2021	NUM
ajase-3793	124	4	)	)	PUNCT
ajase-3793	124	5	aimed	aim	VERB
ajase-3793	124	6	to	to	PART
ajase-3793	124	7	explore	explore	VERB
ajase-3793	124	8	the	the	DET
ajase-3793	124	9	impact	impact	NOUN
ajase-3793	124	10	of	of	ADP
ajase-3793	124	11	village	village	NOUN
ajase-3793	124	12	savings	saving	NOUN
ajase-3793	124	13	and	and	CCONJ
ajase-3793	124	14	loan	loan	NOUN
ajase-3793	124	15	associations	association	NOUN
ajase-3793	124	16	(	(	PUNCT
ajase-3793	124	17	vslas	vsla	NOUN
ajase-3793	124	18	)	)	PUNCT
ajase-3793	124	19	on	on	ADP
ajase-3793	124	20	the	the	DET
ajase-3793	124	21	socioeconomic	socioeconomic	ADJ
ajase-3793	124	22	development	development	NOUN
ajase-3793	124	23	of	of	ADP
ajase-3793	124	24	women	woman	NOUN
ajase-3793	124	25	and	and	CCONJ
ajase-3793	124	26	their	their	PRON
ajase-3793	124	27	resilience	resilience	NOUN
ajase-3793	124	28	to	to	ADP
ajase-3793	124	29	vulnerabilities	vulnerability	NOUN
ajase-3793	124	30	in	in	ADP
ajase-3793	124	31	malawi	malawi	PROPN
ajase-3793	124	32	.	.	PUNCT
ajase-3793	125	1	the	the	DET
ajase-3793	125	2	study	study	NOUN
ajase-3793	125	3	utilized	utilize	VERB
ajase-3793	125	4	a	a	DET
ajase-3793	125	5	descriptive	descriptive	ADJ
ajase-3793	125	6	research	research	NOUN
ajase-3793	125	7	design	design	NOUN
ajase-3793	125	8	,	,	PUNCT
ajase-3793	125	9	collecting	collect	VERB
ajase-3793	125	10	data	datum	NOUN
ajase-3793	125	11	through	through	ADP
ajase-3793	125	12	household	household	NOUN
ajase-3793	125	13	surveys	survey	NOUN
ajase-3793	125	14	in	in	ADP
ajase-3793	125	15	two	two	NUM
ajase-3793	125	16	districts	district	NOUN
ajase-3793	125	17	:	:	PUNCT
ajase-3793	125	18	chiradzulu	chiradzulu	VERB
ajase-3793	125	19	traditional	traditional	ADJ
ajase-3793	125	20	authority	authority	NOUN
ajase-3793	125	21	maoni	maoni	PROPN
ajase-3793	125	22	and	and	CCONJ
ajase-3793	125	23	blantyre	blantyre	PROPN
ajase-3793	125	24	rural	rural	ADJ
ajase-3793	125	25	traditional	traditional	ADJ
ajase-3793	125	26	authority	authority	NOUN
ajase-3793	125	27	kapeni	kapeni	NOUN
ajase-3793	125	28	.	.	PUNCT
ajase-3793	126	1	a	a	DET
ajase-3793	126	2	multi	multi	ADJ
ajase-3793	126	3	-	-	ADJ
ajase-3793	126	4	stage	stage	ADJ
ajase-3793	126	5	sampling	sampling	NOUN
ajase-3793	126	6	method	method	NOUN
ajase-3793	126	7	was	be	AUX
ajase-3793	126	8	employed	employ	VERB
ajase-3793	126	9	to	to	PART
ajase-3793	126	10	identify	identify	VERB
ajase-3793	126	11	a	a	DET
ajase-3793	126	12	sample	sample	NOUN
ajase-3793	126	13	of	of	ADP
ajase-3793	126	14	70	70	NUM
ajase-3793	126	15	women	woman	NOUN
ajase-3793	126	16	from	from	ADP
ajase-3793	126	17	vsla	vsla	ADJ
ajase-3793	126	18	groups	group	NOUN
ajase-3793	126	19	.	.	PUNCT
ajase-3793	127	1	the	the	DET
ajase-3793	127	2	findings	finding	NOUN
ajase-3793	127	3	revealed	reveal	VERB
ajase-3793	127	4	that	that	SCONJ
ajase-3793	127	5	vslas	vsla	NOUN
ajase-3793	127	6	positively	positively	ADV
ajase-3793	127	7	influence	influence	VERB
ajase-3793	127	8	the	the	DET
ajase-3793	127	9	economic	economic	ADJ
ajase-3793	127	10	and	and	CCONJ
ajase-3793	127	11	social	social	ADJ
ajase-3793	127	12	status	status	NOUN
ajase-3793	127	13	of	of	ADP
ajase-3793	127	14	women	woman	NOUN
ajase-3793	127	15	.	.	PUNCT
ajase-3793	128	1	however	however	ADV
ajase-3793	128	2	,	,	PUNCT
ajase-3793	128	3	the	the	DET
ajase-3793	128	4	research	research	NOUN
ajase-3793	128	5	also	also	ADV
ajase-3793	128	6	pointed	point	VERB
ajase-3793	128	7	out	out	ADP
ajase-3793	128	8	that	that	SCONJ
ajase-3793	128	9	vsla	vsla	ADJ
ajase-3793	128	10	members	member	NOUN
ajase-3793	128	11	encounter	encounter	VERB
ajase-3793	128	12	difficulties	difficulty	NOUN
ajase-3793	128	13	in	in	ADP
ajase-3793	128	14	obtaining	obtain	VERB
ajase-3793	128	15	loans	loan	NOUN
ajase-3793	128	16	from	from	ADP
ajase-3793	128	17	external	external	ADJ
ajase-3793	128	18	financial	financial	ADJ
ajase-3793	128	19	institutions	institution	NOUN
ajase-3793	128	20	and	and	CCONJ
ajase-3793	128	21	face	face	VERB
ajase-3793	128	22	a	a	DET
ajase-3793	128	23	significant	significant	ADJ
ajase-3793	128	24	lack	lack	NOUN
ajase-3793	128	25	of	of	ADP
ajase-3793	128	26	training	training	NOUN
ajase-3793	128	27	opportunities	opportunity	NOUN
ajase-3793	128	28	.	.	PUNCT
ajase-3793	129	1	adai	adai	PROPN
ajase-3793	129	2	and	and	CCONJ
ajase-3793	129	3	rashid	rashid	PROPN
ajase-3793	129	4	(	(	PUNCT
ajase-3793	129	5	2023	2023	NUM
ajase-3793	129	6	)	)	PUNCT
ajase-3793	129	7	conducted	conduct	VERB
ajase-3793	129	8	a	a	DET
ajase-3793	129	9	study	study	NOUN
ajase-3793	129	10	titled	title	VERB
ajase-3793	129	11	“	"	PUNCT
ajase-3793	129	12	a	a	DET
ajase-3793	129	13	study	study	NOUN
ajase-3793	129	14	on	on	ADP
ajase-3793	129	15	sociocultural	sociocultural	ADJ
ajase-3793	129	16	features	feature	NOUN
ajase-3793	129	17	among	among	ADP
ajase-3793	129	18	turkish	turkish	ADJ
ajase-3793	129	19	and	and	CCONJ
ajase-3793	129	20	iraqi	iraqi	ADJ
ajase-3793	129	21	women	woman	NOUN
ajase-3793	129	22	,	,	PUNCT
ajase-3793	129	23	”	"	PUNCT
ajase-3793	129	24	published	publish	VERB
ajase-3793	129	25	in	in	ADP
ajase-3793	129	26	the	the	DET
ajase-3793	129	27	journal	journal	NOUN
ajase-3793	129	28	of	of	ADP
ajase-3793	129	29	current	current	ADJ
ajase-3793	129	30	research	research	NOUN
ajase-3793	129	31	on	on	ADP
ajase-3793	129	32	social	social	ADJ
ajase-3793	129	33	sciences	science	NOUN
ajase-3793	129	34	.	.	PUNCT
ajase-3793	130	1	the	the	DET
ajase-3793	130	2	research	research	NOUN
ajase-3793	130	3	explores	explore	VERB
ajase-3793	130	4	the	the	DET
ajase-3793	130	5	sociocultural	sociocultural	ADJ
ajase-3793	130	6	similarities	similarity	NOUN
ajase-3793	130	7	and	and	CCONJ
ajase-3793	130	8	differences	difference	NOUN
ajase-3793	130	9	between	between	ADP
ajase-3793	130	10	women	woman	NOUN
ajase-3793	130	11	in	in	ADP
ajase-3793	130	12	turkey	turkey	PROPN
ajase-3793	130	13	and	and	CCONJ
ajase-3793	130	14	iraq	iraq	PROPN
ajase-3793	130	15	,	,	PUNCT
ajase-3793	130	16	focusing	focus	VERB
ajase-3793	130	17	on	on	ADP
ajase-3793	130	18	gender	gender	NOUN
ajase-3793	130	19	roles	role	NOUN
ajase-3793	130	20	,	,	PUNCT
ajase-3793	130	21	family	family	NOUN
ajase-3793	130	22	dynamics	dynamic	NOUN
ajase-3793	130	23	,	,	PUNCT
ajase-3793	130	24	traditional	traditional	ADJ
ajase-3793	130	25	customs	custom	NOUN
ajase-3793	130	26	,	,	PUNCT
ajase-3793	130	27	and	and	CCONJ
ajase-3793	130	28	modern	modern	ADJ
ajase-3793	130	29	influences	influence	NOUN
ajase-3793	130	30	.	.	PUNCT
ajase-3793	131	1	key	key	ADJ
ajase-3793	131	2	findings	finding	NOUN
ajase-3793	131	3	indicate	indicate	VERB
ajase-3793	131	4	that	that	SCONJ
ajase-3793	131	5	while	while	SCONJ
ajase-3793	131	6	both	both	DET
ajase-3793	131	7	groups	group	NOUN
ajase-3793	131	8	face	face	VERB
ajase-3793	131	9	gender	gender	NOUN
ajase-3793	131	10	inequality	inequality	NOUN
ajase-3793	131	11	,	,	PUNCT
ajase-3793	131	12	their	their	PRON
ajase-3793	131	13	experiences	experience	NOUN
ajase-3793	131	14	differ	differ	VERB
ajase-3793	131	15	due	due	ADJ
ajase-3793	131	16	to	to	ADP
ajase-3793	131	17	varying	vary	VERB
ajase-3793	131	18	political	political	ADJ
ajase-3793	131	19	,	,	PUNCT
ajase-3793	131	20	economic	economic	ADJ
ajase-3793	131	21	,	,	PUNCT
ajase-3793	131	22	and	and	CCONJ
ajase-3793	131	23	historical	historical	ADJ
ajase-3793	131	24	contexts	contexts	NOUN
ajase-3793	131	25	.	.	PUNCT
ajase-3793	132	1	turkish	turkish	ADJ
ajase-3793	132	2	women	woman	NOUN
ajase-3793	132	3	generally	generally	ADV
ajase-3793	132	4	have	have	VERB
ajase-3793	132	5	better	well	ADJ
ajase-3793	132	6	access	access	NOUN
ajase-3793	132	7	to	to	ADP
ajase-3793	132	8	education	education	NOUN
ajase-3793	132	9	and	and	CCONJ
ajase-3793	132	10	job	job	NOUN
ajase-3793	132	11	opportunities	opportunity	NOUN
ajase-3793	132	12	,	,	PUNCT
ajase-3793	132	13	whereas	whereas	SCONJ
ajase-3793	132	14	iraqi	iraqi	ADJ
ajase-3793	132	15	women	woman	NOUN
ajase-3793	132	16	face	face	VERB
ajase-3793	132	17	more	more	ADJ
ajase-3793	132	18	limitations	limitation	NOUN
ajase-3793	132	19	due	due	ADP
ajase-3793	132	20	to	to	ADP
ajase-3793	132	21	sociopolitical	sociopolitical	ADJ
ajase-3793	132	22	unrest	unrest	NOUN
ajase-3793	132	23	and	and	CCONJ
ajase-3793	132	24	cultural	cultural	ADJ
ajase-3793	132	25	conservatism	conservatism	NOUN
ajase-3793	132	26	.	.	PUNCT
ajase-3793	133	1	traditional	traditional	ADJ
ajase-3793	133	2	gender	gender	NOUN
ajase-3793	133	3	roles	role	NOUN
ajase-3793	133	4	persist	persist	VERB
ajase-3793	133	5	in	in	ADP
ajase-3793	133	6	both	both	DET
ajase-3793	133	7	societies	society	NOUN
ajase-3793	133	8	,	,	PUNCT
ajase-3793	133	9	impacting	impact	VERB
ajase-3793	133	10	women	woman	NOUN
ajase-3793	133	11	’s	’s	PART
ajase-3793	133	12	public	public	ADJ
ajase-3793	133	13	participation	participation	NOUN
ajase-3793	133	14	and	and	CCONJ
ajase-3793	133	15	financial	financial	ADJ
ajase-3793	133	16	inclusion	inclusion	NOUN
ajase-3793	133	17	.	.	PUNCT
ajase-3793	134	1	the	the	DET
ajase-3793	134	2	study	study	NOUN
ajase-3793	134	3	underscores	underscore	VERB
ajase-3793	134	4	the	the	DET
ajase-3793	134	5	importance	importance	NOUN
ajase-3793	134	6	of	of	ADP
ajase-3793	134	7	understanding	understand	VERB
ajase-3793	134	8	these	these	DET
ajase-3793	134	9	sociocultural	sociocultural	ADJ
ajase-3793	134	10	factors	factor	NOUN
ajase-3793	134	11	to	to	PART
ajase-3793	134	12	promote	promote	VERB
ajase-3793	134	13	gender	gender	NOUN
ajase-3793	134	14	equality	equality	NOUN
ajase-3793	134	15	and	and	CCONJ
ajase-3793	134	16	improve	improve	VERB
ajase-3793	134	17	women	woman	NOUN
ajase-3793	134	18	’s	’s	PART
ajase-3793	134	19	financial	financial	ADJ
ajase-3793	134	20	inclusion	inclusion	NOUN
ajase-3793	134	21	.	.	PUNCT
ajase-3793	135	1	the	the	DET
ajase-3793	135	2	authors	author	NOUN
ajase-3793	135	3	call	call	VERB
ajase-3793	135	4	for	for	ADP
ajase-3793	135	5	enhanced	enhanced	ADJ
ajase-3793	135	6	policy	policy	NOUN
ajase-3793	135	7	initiatives	initiative	NOUN
ajase-3793	135	8	and	and	CCONJ
ajase-3793	135	9	cross	cross	ADJ
ajase-3793	135	10	-	-	ADJ
ajase-3793	135	11	cultural	cultural	ADJ
ajase-3793	135	12	dialogue	dialogue	NOUN
ajase-3793	135	13	to	to	PART
ajase-3793	135	14	empower	empower	VERB
ajase-3793	135	15	women	woman	NOUN
ajase-3793	135	16	and	and	CCONJ
ajase-3793	135	17	address	address	VERB
ajase-3793	135	18	cultural	cultural	ADJ
ajase-3793	135	19	barriers	barrier	NOUN
ajase-3793	135	20	.	.	PUNCT
ajase-3793	136	1	mbiakop	mbiakop	NOUN
ajase-3793	136	2	and	and	CCONJ
ajase-3793	136	3	oyekale	oyekale	NOUN
ajase-3793	136	4	(	(	PUNCT
ajase-3793	136	5	2017	2017	NUM
ajase-3793	136	6	)	)	PUNCT
ajase-3793	136	7	highlight	highlight	VERB
ajase-3793	136	8	that	that	PRON
ajase-3793	136	9	access	access	NOUN
ajase-3793	136	10	to	to	ADP
ajase-3793	136	11	credit	credit	NOUN
ajase-3793	136	12	is	be	AUX
ajase-3793	136	13	crucial	crucial	ADJ
ajase-3793	136	14	for	for	ADP
ajase-3793	136	15	enhancing	enhance	VERB
ajase-3793	136	16	agricultural	agricultural	ADJ
ajase-3793	136	17	productivity	productivity	NOUN
ajase-3793	136	18	and	and	CCONJ
ajase-3793	136	19	reducing	reduce	VERB
ajase-3793	136	20	poverty	poverty	NOUN
ajase-3793	136	21	among	among	ADP
ajase-3793	136	22	smallholder	smallholder	NOUN
ajase-3793	136	23	farmers	farmer	NOUN
ajase-3793	136	24	.	.	PUNCT
ajase-3793	137	1	this	this	DET
ajase-3793	137	2	study	study	NOUN
ajase-3793	137	3	investigated	investigate	VERB
ajase-3793	137	4	the	the	DET
ajase-3793	137	5	impact	impact	NOUN
ajase-3793	137	6	of	of	ADP
ajase-3793	137	7	village	village	NOUN
ajase-3793	137	8	bank	bank	NOUN
ajase-3793	137	9	membership	membership	NOUN
ajase-3793	137	10	on	on	ADP
ajase-3793	137	11	the	the	DET
ajase-3793	137	12	welfare	welfare	NOUN
ajase-3793	137	13	of	of	ADP
ajase-3793	137	14	smallholder	smallholder	NOUN
ajase-3793	137	15	farmers	farmer	NOUN
ajase-3793	137	16	in	in	ADP
ajase-3793	137	17	the	the	DET
ajase-3793	137	18	ngaka	ngaka	ADV
ajase-3793	137	19	modiri	modiri	NOUN
ajase-3793	137	20	molema	molema	PROPN
ajase-3793	137	21	district	district	PROPN
ajase-3793	137	22	municipality	municipality	PROPN
ajase-3793	137	23	(	(	PUNCT
ajase-3793	137	24	nmmdm	nmmdm	ADJ
ajase-3793	137	25	)	)	PUNCT
ajase-3793	137	26	.	.	PUNCT
ajase-3793	138	1	using	use	VERB
ajase-3793	138	2	crosssectional	crosssectional	ADJ
ajase-3793	138	3	data	datum	NOUN
ajase-3793	138	4	from	from	ADP
ajase-3793	138	5	three	three	NUM
ajase-3793	138	6	villages	village	NOUN
ajase-3793	138	7	with	with	ADP
ajase-3793	138	8	active	active	ADJ
ajase-3793	138	9	village	village	NOUN
ajase-3793	138	10	banks	bank	NOUN
ajase-3793	138	11	,	,	PUNCT
ajase-3793	138	12	a	a	DET
ajase-3793	138	13	sample	sample	NOUN
ajase-3793	138	14	of	of	ADP
ajase-3793	138	15	200	200	NUM
ajase-3793	138	16	farmers	farmer	NOUN
ajase-3793	138	17	was	be	AUX
ajase-3793	138	18	surveyed	survey	VERB
ajase-3793	138	19	through	through	ADP
ajase-3793	138	20	structured	structured	ADJ
ajase-3793	138	21	questionnaires	questionnaire	NOUN
ajase-3793	138	22	.	.	PUNCT
ajase-3793	139	1	data	datum	NOUN
ajase-3793	139	2	analysis	analysis	NOUN
ajase-3793	139	3	employed	employ	VERB
ajase-3793	139	4	descriptive	descriptive	ADJ
ajase-3793	139	5	statistics	statistic	NOUN
ajase-3793	139	6	and	and	CCONJ
ajase-3793	139	7	a	a	DET
ajase-3793	139	8	simultaneous	simultaneous	ADJ
ajase-3793	139	9	equation	equation	NOUN
ajase-3793	139	10	model	model	NOUN
ajase-3793	139	11	(	(	PUNCT
ajase-3793	139	12	sem	sem	NOUN
ajase-3793	139	13	)	)	PUNCT
ajase-3793	139	14	.	.	PUNCT
ajase-3793	140	1	findings	finding	NOUN
ajase-3793	140	2	indicated	indicate	VERB
ajase-3793	140	3	that	that	SCONJ
ajase-3793	140	4	village	village	NOUN
ajase-3793	140	5	bank	bank	NOUN
ajase-3793	140	6	membership	membership	NOUN
ajase-3793	140	7	led	lead	VERB
ajase-3793	140	8	to	to	ADP
ajase-3793	140	9	an	an	DET
ajase-3793	140	10	83.85	83.85	NUM
ajase-3793	140	11	%	%	NOUN
ajase-3793	140	12	increase	increase	NOUN
ajase-3793	140	13	in	in	ADP
ajase-3793	140	14	per	per	ADP
ajase-3793	140	15	capita	capita	NOUN
ajase-3793	140	16	expenditure	expenditure	NOUN
ajase-3793	140	17	,	,	PUNCT
ajase-3793	140	18	significantly	significantly	ADV
ajase-3793	140	19	influenced	influence	VERB
ajase-3793	140	20	by	by	ADP
ajase-3793	140	21	income	income	NOUN
ajase-3793	140	22	per	per	ADP
ajase-3793	140	23	capita	capita	X
ajase-3793	140	24	and	and	CCONJ
ajase-3793	140	25	technology	technology	NOUN
ajase-3793	140	26	use	use	NOUN
ajase-3793	140	27	.	.	PUNCT
ajase-3793	141	1	the	the	DET
ajase-3793	141	2	study	study	NOUN
ajase-3793	141	3	concluded	conclude	VERB
ajase-3793	141	4	that	that	SCONJ
ajase-3793	141	5	village	village	NOUN
ajase-3793	141	6	bank	bank	NOUN
ajase-3793	141	7	members	member	NOUN
ajase-3793	141	8	exhibited	exhibit	VERB
ajase-3793	141	9	improved	improved	ADJ
ajase-3793	141	10	socio	socio	NOUN
ajase-3793	141	11	-	-	PUNCT
ajase-3793	141	12	economic	economic	ADJ
ajase-3793	141	13	characteristics	characteristic	NOUN
ajase-3793	141	14	,	,	PUNCT
ajase-3793	141	15	suggesting	suggest	VERB
ajase-3793	141	16	that	that	SCONJ
ajase-3793	141	17	establishing	establish	VERB
ajase-3793	141	18	more	more	ADJ
ajase-3793	141	19	community	community	NOUN
ajase-3793	141	20	-	-	PUNCT
ajase-3793	141	21	based	base	VERB
ajase-3793	141	22	village	village	NOUN
ajase-3793	141	23	banks	bank	NOUN
ajase-3793	141	24	could	could	AUX
ajase-3793	141	25	greatly	greatly	ADV
ajase-3793	141	26	enhance	enhance	VERB
ajase-3793	141	27	welfare	welfare	NOUN
ajase-3793	141	28	in	in	ADP
ajase-3793	141	29	south	south	PROPN
ajase-3793	141	30	africa	africa	PROPN
ajase-3793	141	31	.	.	PUNCT
ajase-3793	142	1	fula	fula	PROPN
ajase-3793	142	2	(	(	PUNCT
ajase-3793	142	3	2023	2023	NUM
ajase-3793	142	4	)	)	PUNCT
ajase-3793	142	5	examined	examine	VERB
ajase-3793	142	6	the	the	DET
ajase-3793	142	7	effects	effect	NOUN
ajase-3793	142	8	of	of	ADP
ajase-3793	142	9	village	village	NOUN
ajase-3793	142	10	banking	banking	NOUN
ajase-3793	142	11	on	on	ADP
ajase-3793	142	12	women	woman	NOUN
ajase-3793	142	13	’s	’s	PART
ajase-3793	142	14	economic	economic	ADJ
ajase-3793	142	15	well	well	ADV
ajase-3793	142	16	-	-	PUNCT
ajase-3793	142	17	being	being	NOUN
ajase-3793	142	18	in	in	ADP
ajase-3793	142	19	lusaka	lusaka	PROPN
ajase-3793	142	20	district	district	NOUN
ajase-3793	142	21	through	through	ADP
ajase-3793	142	22	a	a	DET
ajase-3793	142	23	qualitative	qualitative	ADJ
ajase-3793	142	24	survey	survey	NOUN
ajase-3793	142	25	of	of	ADP
ajase-3793	142	26	21	21	NUM
ajase-3793	142	27	women—12	women—12	ADJ
ajase-3793	142	28	village	village	NOUN
ajase-3793	142	29	banking	banking	NOUN
ajase-3793	142	30	members	member	NOUN
ajase-3793	142	31	and	and	CCONJ
ajase-3793	142	32	9	9	NUM
ajase-3793	142	33	non	non	NOUN
ajase-3793	142	34	-	-	NOUN
ajase-3793	142	35	members	member	NOUN
ajase-3793	142	36	.	.	PUNCT
ajase-3793	143	1	descriptive	descriptive	ADJ
ajase-3793	143	2	statistics	statistic	NOUN
ajase-3793	143	3	revealed	reveal	VERB
ajase-3793	143	4	that	that	SCONJ
ajase-3793	143	5	participation	participation	NOUN
ajase-3793	143	6	in	in	ADP
ajase-3793	143	7	village	village	NOUN
ajase-3793	143	8	banking	banking	NOUN
ajase-3793	143	9	significantly	significantly	ADV
ajase-3793	143	10	improved	improve	VERB
ajase-3793	143	11	women	woman	NOUN
ajase-3793	143	12	’s	’s	PART
ajase-3793	143	13	livelihoods	livelihood	NOUN
ajase-3793	143	14	,	,	PUNCT
ajase-3793	143	15	leading	lead	VERB
ajase-3793	143	16	to	to	ADP
ajase-3793	143	17	increased	increase	VERB
ajase-3793	143	18	business	business	NOUN
ajase-3793	143	19	revenue	revenue	NOUN
ajase-3793	143	20	,	,	PUNCT
ajase-3793	143	21	better	well	ADJ
ajase-3793	143	22	access	access	NOUN
ajase-3793	143	23	to	to	ADP
ajase-3793	143	24	credit	credit	NOUN
ajase-3793	143	25	,	,	PUNCT
ajase-3793	143	26	and	and	CCONJ
ajase-3793	143	27	enhanced	enhance	VERB
ajase-3793	143	28	social	social	ADJ
ajase-3793	143	29	connections	connection	NOUN
ajase-3793	143	30	.	.	PUNCT
ajase-3793	144	1	additionally	additionally	ADV
ajase-3793	144	2	,	,	PUNCT
ajase-3793	144	3	members	member	NOUN
ajase-3793	144	4	reported	report	VERB
ajase-3793	144	5	boosts	boost	NOUN
ajase-3793	144	6	in	in	ADP
ajase-3793	144	7	self	self	NOUN
ajase-3793	144	8	-	-	PUNCT
ajase-3793	144	9	esteem	esteem	NOUN
ajase-3793	144	10	and	and	CCONJ
ajase-3793	144	11	decision	decision	NOUN
ajase-3793	144	12	-	-	PUNCT
ajase-3793	144	13	making	making	NOUN
ajase-3793	144	14	skills	skill	NOUN
ajase-3793	144	15	,	,	PUNCT
ajase-3793	144	16	positively	positively	ADV
ajase-3793	144	17	impacting	impact	VERB
ajase-3793	144	18	their	their	PRON
ajase-3793	144	19	entrepreneurial	entrepreneurial	ADJ
ajase-3793	144	20	activities	activity	NOUN
ajase-3793	144	21	.	.	PUNCT
ajase-3793	145	1	lwengo	lwengo	NOUN
ajase-3793	145	2	(	(	PUNCT
ajase-3793	145	3	2021	2021	NUM
ajase-3793	145	4	)	)	PUNCT
ajase-3793	145	5	conducted	conduct	VERB
ajase-3793	145	6	a	a	DET
ajase-3793	145	7	study	study	NOUN
ajase-3793	145	8	on	on	ADP
ajase-3793	145	9	the	the	DET
ajase-3793	145	10	effects	effect	NOUN
ajase-3793	145	11	of	of	ADP
ajase-3793	145	12	village	village	NOUN
ajase-3793	145	13	banking	banking	NOUN
ajase-3793	145	14	on	on	ADP
ajase-3793	145	15	the	the	DET
ajase-3793	145	16	financial	financial	ADJ
ajase-3793	145	17	inclusion	inclusion	NOUN
ajase-3793	145	18	of	of	ADP
ajase-3793	145	19	women	woman	NOUN
ajase-3793	145	20	marketers	marketer	NOUN
ajase-3793	145	21	at	at	ADP
ajase-3793	145	22	the	the	DET
ajase-3793	145	23	main	main	ADJ
ajase-3793	145	24	masala	masala	NOUN
ajase-3793	145	25	market	market	NOUN
ajase-3793	145	26	in	in	ADP
ajase-3793	145	27	ndola	ndola	PROPN
ajase-3793	145	28	,	,	PUNCT
ajase-3793	145	29	zambia	zambia	PROPN
ajase-3793	145	30	.	.	PUNCT
ajase-3793	146	1	the	the	DET
ajase-3793	146	2	research	research	NOUN
ajase-3793	146	3	aimed	aim	VERB
ajase-3793	146	4	to	to	PART
ajase-3793	146	5	identify	identify	VERB
ajase-3793	146	6	the	the	DET
ajase-3793	146	7	socioeconomic	socioeconomic	ADJ
ajase-3793	146	8	challenges	challenge	NOUN
ajase-3793	146	9	faced	face	VERB
ajase-3793	146	10	by	by	ADP
ajase-3793	146	11	women	woman	NOUN
ajase-3793	146	12	marketeers	marketeer	NOUN
ajase-3793	146	13	(	(	PUNCT
ajase-3793	146	14	small	small	ADJ
ajase-3793	146	15	-	-	PUNCT
ajase-3793	146	16	scale	scale	NOUN
ajase-3793	146	17	women	woman	NOUN
ajase-3793	146	18	traders	trader	NOUN
ajase-3793	146	19	)	)	PUNCT
ajase-3793	146	20	,	,	PUNCT
ajase-3793	146	21	evaluate	evaluate	VERB
ajase-3793	146	22	village	village	NOUN
ajase-3793	146	23	banking	banking	NOUN
ajase-3793	146	24	’s	’s	PART
ajase-3793	146	25	potential	potential	NOUN
ajase-3793	146	26	to	to	PART
ajase-3793	146	27	reduce	reduce	VERB
ajase-3793	146	28	poverty	poverty	NOUN
ajase-3793	146	29	,	,	PUNCT
ajase-3793	146	30	and	and	CCONJ
ajase-3793	146	31	assess	assess	VERB
ajase-3793	146	32	its	its	PRON
ajase-3793	146	33	benefits	benefit	NOUN
ajase-3793	146	34	.	.	PUNCT
ajase-3793	147	1	employing	employ	VERB
ajase-3793	147	2	a	a	DET
ajase-3793	147	3	qualitative	qualitative	ADJ
ajase-3793	147	4	methodology	methodology	NOUN
ajase-3793	147	5	,	,	PUNCT
ajase-3793	147	6	data	datum	NOUN
ajase-3793	147	7	was	be	AUX
ajase-3793	147	8	gathered	gather	VERB
ajase-3793	147	9	from	from	ADP
ajase-3793	147	10	80	80	NUM
ajase-3793	147	11	women	woman	NOUN
ajase-3793	147	12	marketers	marketer	NOUN
ajase-3793	147	13	and	and	CCONJ
ajase-3793	147	14	five	five	NUM
ajase-3793	147	15	stakeholders	stakeholder	NOUN
ajase-3793	147	16	through	through	ADP
ajase-3793	147	17	questionnaires	questionnaire	NOUN
ajase-3793	147	18	and	and	CCONJ
ajase-3793	147	19	interviews	interview	NOUN
ajase-3793	147	20	,	,	PUNCT
ajase-3793	147	21	which	which	PRON
ajase-3793	147	22	were	be	AUX
ajase-3793	147	23	analyzed	analyze	VERB
ajase-3793	147	24	using	use	VERB
ajase-3793	147	25	descriptive	descriptive	ADJ
ajase-3793	147	26	statistics	statistic	NOUN
ajase-3793	147	27	.	.	PUNCT
ajase-3793	148	1	the	the	DET
ajase-3793	148	2	findings	finding	NOUN
ajase-3793	148	3	underscored	underscore	VERB
ajase-3793	148	4	the	the	DET
ajase-3793	148	5	necessity	necessity	NOUN
ajase-3793	148	6	for	for	ADP
ajase-3793	148	7	stricter	strict	ADJ
ajase-3793	148	8	regulations	regulation	NOUN
ajase-3793	148	9	to	to	PART
ajase-3793	148	10	address	address	VERB
ajase-3793	148	11	loan	loan	NOUN
ajase-3793	148	12	defaults	default	NOUN
ajase-3793	148	13	,	,	PUNCT
ajase-3793	148	14	suggesting	suggest	VERB
ajase-3793	148	15	police	police	NOUN
ajase-3793	148	16	involvement	involvement	NOUN
ajase-3793	148	17	to	to	PART
ajase-3793	148	18	ensure	ensure	VERB
ajase-3793	148	19	compliance	compliance	NOUN
ajase-3793	148	20	.	.	PUNCT
ajase-3793	149	1	the	the	DET
ajase-3793	149	2	study	study	NOUN
ajase-3793	149	3	concluded	conclude	VERB
ajase-3793	149	4	that	that	SCONJ
ajase-3793	149	5	effective	effective	ADJ
ajase-3793	149	6	village	village	NOUN
ajase-3793	149	7	banking	banking	NOUN
ajase-3793	149	8	can	can	AUX
ajase-3793	149	9	empower	empower	VERB
ajase-3793	149	10	women	woman	NOUN
ajase-3793	149	11	economically	economically	ADV
ajase-3793	149	12	and	and	CCONJ
ajase-3793	149	13	improve	improve	VERB
ajase-3793	149	14	financial	financial	ADJ
ajase-3793	149	15	inclusion	inclusion	NOUN
ajase-3793	149	16	for	for	ADP
ajase-3793	149	17	those	those	PRON
ajase-3793	149	18	without	without	ADP
ajase-3793	149	19	banking	banking	NOUN
ajase-3793	149	20	services	service	NOUN
ajase-3793	149	21	.	.	PUNCT
ajase-3793	150	1	banda	banda	NOUN
ajase-3793	150	2	et	et	PROPN
ajase-3793	150	3	al	al	PROPN
ajase-3793	150	4	.	.	PROPN
ajase-3793	151	1	(	(	PUNCT
ajase-3793	151	2	2022	2022	NUM
ajase-3793	151	3	)	)	PUNCT
ajase-3793	151	4	studied	study	VERB
ajase-3793	151	5	the	the	DET
ajase-3793	151	6	impact	impact	NOUN
ajase-3793	151	7	of	of	ADP
ajase-3793	151	8	village	village	NOUN
ajase-3793	151	9	banking	banking	NOUN
ajase-3793	151	10	on	on	ADP
ajase-3793	151	11	the	the	DET
ajase-3793	151	12	financial	financial	ADJ
ajase-3793	151	13	well	well	NOUN
ajase-3793	151	14	-	-	PUNCT
ajase-3793	151	15	being	being	NOUN
ajase-3793	151	16	of	of	ADP
ajase-3793	151	17	women	woman	NOUN
ajase-3793	151	18	in	in	ADP
ajase-3793	151	19	the	the	DET
ajase-3793	151	20	formal	formal	ADJ
ajase-3793	151	21	sector	sector	NOUN
ajase-3793	151	22	in	in	ADP
ajase-3793	151	23	lusaka	lusaka	PROPN
ajase-3793	151	24	’s	’s	PART
ajase-3793	151	25	matero	matero	PROPN
ajase-3793	151	26	zone	zone	PROPN
ajase-3793	151	27	,	,	PUNCT
ajase-3793	151	28	zambia	zambia	PROPN
ajase-3793	151	29	.	.	PUNCT
ajase-3793	152	1	the	the	DET
ajase-3793	152	2	research	research	NOUN
ajase-3793	152	3	aimed	aim	VERB
ajase-3793	152	4	to	to	PART
ajase-3793	152	5	assess	assess	VERB
ajase-3793	152	6	the	the	DET
ajase-3793	152	7	benefits	benefit	NOUN
ajase-3793	152	8	of	of	ADP
ajase-3793	152	9	village	village	NOUN
ajase-3793	152	10	banking	banking	NOUN
ajase-3793	152	11	and	and	CCONJ
ajase-3793	152	12	its	its	PRON
ajase-3793	152	13	role	role	NOUN
ajase-3793	152	14	in	in	ADP
ajase-3793	152	15	enhancing	enhance	VERB
ajase-3793	152	16	savings	saving	NOUN
ajase-3793	152	17	.	.	PUNCT
ajase-3793	153	1	using	use	VERB
ajase-3793	153	2	a	a	DET
ajase-3793	153	3	descriptive	descriptive	ADJ
ajase-3793	153	4	multiple	multiple	ADJ
ajase-3793	153	5	-	-	PUNCT
ajase-3793	153	6	case	case	NOUN
ajase-3793	153	7	study	study	NOUN
ajase-3793	153	8	approach	approach	NOUN
ajase-3793	153	9	,	,	PUNCT
ajase-3793	153	10	the	the	DET
ajase-3793	153	11	study	study	NOUN
ajase-3793	153	12	focused	focus	VERB
ajase-3793	153	13	on	on	ADP
ajase-3793	153	14	two	two	NUM
ajase-3793	153	15	village	village	NOUN
ajase-3793	153	16	banking	banking	NOUN
ajase-3793	153	17	groups	group	NOUN
ajase-3793	153	18	with	with	ADP
ajase-3793	153	19	a	a	DET
ajase-3793	153	20	purposive	purposive	ADJ
ajase-3793	153	21	sample	sample	NOUN
ajase-3793	153	22	of	of	ADP
ajase-3793	153	23	25	25	NUM
ajase-3793	153	24	participants	participant	NOUN
ajase-3793	153	25	.	.	PUNCT
ajase-3793	154	1	data	datum	NOUN
ajase-3793	154	2	was	be	AUX
ajase-3793	154	3	collected	collect	VERB
ajase-3793	154	4	through	through	ADP
ajase-3793	154	5	telephone	telephone	NOUN
ajase-3793	154	6	interviews	interview	NOUN
ajase-3793	154	7	with	with	ADP
ajase-3793	154	8	14	14	NUM
ajase-3793	154	9	participants	participant	NOUN
ajase-3793	154	10	and	and	CCONJ
ajase-3793	154	11	a	a	DET
ajase-3793	154	12	focus	focus	NOUN
ajase-3793	154	13	group	group	NOUN
ajase-3793	154	14	discussion	discussion	NOUN
ajase-3793	154	15	with	with	ADP
ajase-3793	154	16	11	11	NUM
ajase-3793	154	17	pa	pa	PROPN
ajase-3793	154	18	ge	ge	PROPN
ajase-3793	154	19	15	15	NUM
ajase-3793	154	20	8	8	NUM
ajase-3793	154	21	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	154	22	am	am	NOUN
ajase-3793	154	23	.	.	PUNCT
ajase-3793	155	1	j.	j.	PROPN
ajase-3793	155	2	appl	appl	PROPN
ajase-3793	155	3	.	.	PROPN
ajase-3793	156	1	stat	stat	PROPN
ajase-3793	156	2	.	.	PUNCT
ajase-3793	157	1	econ	econ	PROPN
ajase-3793	157	2	.	.	PUNCT
ajase-3793	158	1	3(1	3(1	NUM
ajase-3793	158	2	)	)	PUNCT
ajase-3793	158	3	154	154	NUM
ajase-3793	158	4	-	-	SYM
ajase-3793	158	5	166	166	NUM
ajase-3793	158	6	,	,	PUNCT
ajase-3793	158	7	2024	2024	NUM
ajase-3793	158	8	participants	participant	NOUN
ajase-3793	158	9	during	during	ADP
ajase-3793	158	10	a	a	DET
ajase-3793	158	11	monthly	monthly	ADJ
ajase-3793	158	12	meeting	meeting	NOUN
ajase-3793	158	13	.	.	PUNCT
ajase-3793	159	1	thematic	thematic	ADJ
ajase-3793	159	2	analysis	analysis	NOUN
ajase-3793	159	3	revealed	reveal	VERB
ajase-3793	159	4	that	that	SCONJ
ajase-3793	159	5	village	village	NOUN
ajase-3793	159	6	banking	banking	NOUN
ajase-3793	159	7	significantly	significantly	ADV
ajase-3793	159	8	improved	improve	VERB
ajase-3793	159	9	the	the	DET
ajase-3793	159	10	financial	financial	ADJ
ajase-3793	159	11	status	status	NOUN
ajase-3793	159	12	of	of	ADP
ajase-3793	159	13	these	these	DET
ajase-3793	159	14	women	woman	NOUN
ajase-3793	159	15	,	,	PUNCT
ajase-3793	159	16	enabling	enable	VERB
ajase-3793	159	17	them	they	PRON
ajase-3793	159	18	to	to	PART
ajase-3793	159	19	start	start	VERB
ajase-3793	159	20	businesses	business	NOUN
ajase-3793	159	21	,	,	PUNCT
ajase-3793	159	22	access	access	NOUN
ajase-3793	159	23	affordable	affordable	ADJ
ajase-3793	159	24	loans	loan	NOUN
ajase-3793	159	25	,	,	PUNCT
ajase-3793	159	26	build	build	VERB
ajase-3793	159	27	homes	home	NOUN
ajase-3793	159	28	,	,	PUNCT
ajase-3793	159	29	pay	pay	VERB
ajase-3793	159	30	for	for	ADP
ajase-3793	159	31	education	education	NOUN
ajase-3793	159	32	,	,	PUNCT
ajase-3793	159	33	and	and	CCONJ
ajase-3793	159	34	purchase	purchase	VERB
ajase-3793	159	35	household	household	NOUN
ajase-3793	159	36	items	item	NOUN
ajase-3793	159	37	.	.	PUNCT
ajase-3793	160	1	it	it	PRON
ajase-3793	160	2	also	also	ADV
ajase-3793	160	3	encouraged	encourage	VERB
ajase-3793	160	4	savings	saving	NOUN
ajase-3793	160	5	,	,	PUNCT
ajase-3793	160	6	as	as	SCONJ
ajase-3793	160	7	women	woman	NOUN
ajase-3793	160	8	anticipated	anticipate	VERB
ajase-3793	160	9	sharing	share	VERB
ajase-3793	160	10	investment	investment	NOUN
ajase-3793	160	11	returns	return	NOUN
ajase-3793	160	12	after	after	ADP
ajase-3793	160	13	the	the	DET
ajase-3793	160	14	project	project	NOUN
ajase-3793	160	15	cycle	cycle	NOUN
ajase-3793	160	16	.	.	PUNCT
ajase-3793	161	1	while	while	SCONJ
ajase-3793	161	2	numerous	numerous	ADJ
ajase-3793	161	3	studies	study	NOUN
ajase-3793	161	4	have	have	AUX
ajase-3793	161	5	explored	explore	VERB
ajase-3793	161	6	the	the	DET
ajase-3793	161	7	impact	impact	NOUN
ajase-3793	161	8	of	of	ADP
ajase-3793	161	9	microfinance	microfinance	NOUN
ajase-3793	161	10	and	and	CCONJ
ajase-3793	161	11	village	village	NOUN
ajase-3793	161	12	banking	banking	NOUN
ajase-3793	161	13	on	on	ADP
ajase-3793	161	14	women	woman	NOUN
ajase-3793	161	15	’s	’s	PART
ajase-3793	161	16	empowerment	empowerment	NOUN
ajase-3793	161	17	and	and	CCONJ
ajase-3793	161	18	financial	financial	ADJ
ajase-3793	161	19	inclusion	inclusion	NOUN
ajase-3793	161	20	globally	globally	ADV
ajase-3793	161	21	,	,	PUNCT
ajase-3793	161	22	there	there	PRON
ajase-3793	161	23	is	be	VERB
ajase-3793	161	24	limited	limited	ADJ
ajase-3793	161	25	research	research	NOUN
ajase-3793	161	26	specifically	specifically	ADV
ajase-3793	161	27	focusing	focus	VERB
ajase-3793	161	28	on	on	ADP
ajase-3793	161	29	zambia	zambia	PROPN
ajase-3793	161	30	.	.	PUNCT
ajase-3793	162	1	extant	extant	ADJ
ajase-3793	162	2	literature	literature	NOUN
ajase-3793	162	3	,	,	PUNCT
ajase-3793	162	4	including	include	VERB
ajase-3793	162	5	works	work	NOUN
ajase-3793	162	6	by	by	ADP
ajase-3793	162	7	niaz	niaz	PROPN
ajase-3793	162	8	and	and	CCONJ
ajase-3793	162	9	iqbal	iqbal	PROPN
ajase-3793	162	10	(	(	PUNCT
ajase-3793	162	11	2019	2019	NUM
ajase-3793	162	12	)	)	PUNCT
ajase-3793	162	13	in	in	ADP
ajase-3793	162	14	pakistan	pakistan	PROPN
ajase-3793	162	15	and	and	CCONJ
ajase-3793	162	16	pare	pare	PROPN
ajase-3793	162	17	(	(	PUNCT
ajase-3793	162	18	2021	2021	NUM
ajase-3793	162	19	)	)	PUNCT
ajase-3793	162	20	across	across	ADP
ajase-3793	162	21	various	various	ADJ
ajase-3793	162	22	developing	develop	VERB
ajase-3793	162	23	nations	nation	NOUN
ajase-3793	162	24	,	,	PUNCT
ajase-3793	162	25	fails	fail	VERB
ajase-3793	162	26	to	to	PART
ajase-3793	162	27	address	address	VERB
ajase-3793	162	28	the	the	DET
ajase-3793	162	29	unique	unique	ADJ
ajase-3793	162	30	context	context	NOUN
ajase-3793	162	31	of	of	ADP
ajase-3793	162	32	zambia	zambia	PROPN
ajase-3793	162	33	,	,	PUNCT
ajase-3793	162	34	where	where	SCONJ
ajase-3793	162	35	socio	socio	NOUN
ajase-3793	162	36	-	-	PUNCT
ajase-3793	162	37	economic	economic	ADJ
ajase-3793	162	38	and	and	CCONJ
ajase-3793	162	39	cultural	cultural	ADJ
ajase-3793	162	40	dynamics	dynamic	NOUN
ajase-3793	162	41	may	may	AUX
ajase-3793	162	42	vary	vary	VERB
ajase-3793	162	43	considerably	considerably	ADV
ajase-3793	162	44	.	.	PUNCT
ajase-3793	163	1	while	while	SCONJ
ajase-3793	163	2	numerous	numerous	ADJ
ajase-3793	163	3	studies	study	NOUN
ajase-3793	163	4	highlight	highlight	VERB
ajase-3793	163	5	the	the	DET
ajase-3793	163	6	beneficial	beneficial	ADJ
ajase-3793	163	7	effects	effect	NOUN
ajase-3793	163	8	of	of	ADP
ajase-3793	163	9	microfinance	microfinance	NOUN
ajase-3793	163	10	and	and	CCONJ
ajase-3793	163	11	village	village	NOUN
ajase-3793	163	12	banking	banking	NOUN
ajase-3793	163	13	,	,	PUNCT
ajase-3793	163	14	such	such	ADJ
ajase-3793	163	15	as	as	ADP
ajase-3793	163	16	enhanced	enhanced	ADJ
ajase-3793	163	17	income	income	NOUN
ajase-3793	163	18	and	and	CCONJ
ajase-3793	163	19	greater	great	ADJ
ajase-3793	163	20	financial	financial	ADJ
ajase-3793	163	21	autonomy	autonomy	NOUN
ajase-3793	163	22	(	(	PUNCT
ajase-3793	163	23	islam	islam	PROPN
ajase-3793	163	24	et	et	PROPN
ajase-3793	163	25	al	al	PROPN
ajase-3793	163	26	.	.	PROPN
ajase-3793	163	27	,	,	PUNCT
ajase-3793	163	28	2020	2020	NUM
ajase-3793	163	29	;	;	PUNCT
ajase-3793	163	30	mengstie	mengstie	NOUN
ajase-3793	163	31	,	,	PUNCT
ajase-3793	163	32	2022	2022	NUM
ajase-3793	163	33	)	)	PUNCT
ajase-3793	163	34	,	,	PUNCT
ajase-3793	163	35	there	there	PRON
ajase-3793	163	36	remains	remain	VERB
ajase-3793	163	37	a	a	DET
ajase-3793	163	38	notable	notable	ADJ
ajase-3793	163	39	gap	gap	NOUN
ajase-3793	163	40	in	in	ADP
ajase-3793	163	41	the	the	DET
ajase-3793	163	42	thorough	thorough	ADJ
ajase-3793	163	43	examination	examination	NOUN
ajase-3793	163	44	of	of	ADP
ajase-3793	163	45	the	the	DET
ajase-3793	163	46	socioeconomic	socioeconomic	ADJ
ajase-3793	163	47	obstacles	obstacle	NOUN
ajase-3793	163	48	encountered	encounter	VERB
ajase-3793	163	49	by	by	ADP
ajase-3793	163	50	women	woman	NOUN
ajase-3793	163	51	involved	involve	VERB
ajase-3793	163	52	in	in	ADP
ajase-3793	163	53	village	village	NOUN
ajase-3793	163	54	banking	banking	NOUN
ajase-3793	163	55	groups	group	NOUN
ajase-3793	163	56	in	in	ADP
ajase-3793	163	57	zambia	zambia	PROPN
ajase-3793	163	58	.	.	PUNCT
ajase-3793	164	1	mwaka	mwaka	NOUN
ajase-3793	164	2	(	(	PUNCT
ajase-3793	164	3	2020	2020	NUM
ajase-3793	164	4	)	)	PUNCT
ajase-3793	164	5	briefly	briefly	ADV
ajase-3793	164	6	acknowledged	acknowledge	VERB
ajase-3793	164	7	this	this	DET
ajase-3793	164	8	issue	issue	NOUN
ajase-3793	164	9	in	in	ADP
ajase-3793	164	10	the	the	DET
ajase-3793	164	11	katete	katete	ADJ
ajase-3793	164	12	district	district	NOUN
ajase-3793	164	13	but	but	CCONJ
ajase-3793	164	14	did	do	AUX
ajase-3793	164	15	not	not	PART
ajase-3793	164	16	explore	explore	VERB
ajase-3793	164	17	the	the	DET
ajase-3793	164	18	in	in	ADP
ajase-3793	164	19	-	-	PUNCT
ajase-3793	164	20	depth	depth	NOUN
ajase-3793	164	21	specific	specific	ADJ
ajase-3793	164	22	challenges	challenge	NOUN
ajase-3793	164	23	faced	face	VERB
ajase-3793	164	24	by	by	ADP
ajase-3793	164	25	women	woman	NOUN
ajase-3793	164	26	marketers	marketer	NOUN
ajase-3793	164	27	in	in	ADP
ajase-3793	164	28	other	other	ADJ
ajase-3793	164	29	areas	area	NOUN
ajase-3793	164	30	,	,	PUNCT
ajase-3793	164	31	including	include	VERB
ajase-3793	164	32	the	the	DET
ajase-3793	164	33	ndola	ndola	PROPN
ajase-3793	164	34	district	district	NOUN
ajase-3793	164	35	.	.	PUNCT
ajase-3793	165	1	a	a	DET
ajase-3793	165	2	significant	significant	ADJ
ajase-3793	165	3	portion	portion	NOUN
ajase-3793	165	4	of	of	ADP
ajase-3793	165	5	current	current	ADJ
ajase-3793	165	6	research	research	NOUN
ajase-3793	165	7	utilizes	utilize	VERB
ajase-3793	165	8	quantitative	quantitative	ADJ
ajase-3793	165	9	methodologies	methodology	NOUN
ajase-3793	165	10	(	(	PUNCT
ajase-3793	165	11	niaz	niaz	PROPN
ajase-3793	165	12	&	&	CCONJ
ajase-3793	165	13	iqbal	iqbal	PROPN
ajase-3793	165	14	,	,	PUNCT
ajase-3793	165	15	2019	2019	NUM
ajase-3793	165	16	;	;	PUNCT
ajase-3793	165	17	islam	islam	PROPN
ajase-3793	165	18	et	et	PROPN
ajase-3793	165	19	al	al	PROPN
ajase-3793	165	20	.	.	PROPN
ajase-3793	165	21	,	,	PUNCT
ajase-3793	165	22	2020	2020	NUM
ajase-3793	165	23	)	)	PUNCT
ajase-3793	165	24	.	.	PUNCT
ajase-3793	166	1	although	although	SCONJ
ajase-3793	166	2	these	these	DET
ajase-3793	166	3	approaches	approach	NOUN
ajase-3793	166	4	are	be	AUX
ajase-3793	166	5	rigorous	rigorous	ADJ
ajase-3793	166	6	,	,	PUNCT
ajase-3793	166	7	they	they	PRON
ajase-3793	166	8	often	often	ADV
ajase-3793	166	9	overlook	overlook	VERB
ajase-3793	166	10	the	the	DET
ajase-3793	166	11	intricate	intricate	ADJ
ajase-3793	166	12	,	,	PUNCT
ajase-3793	166	13	qualitative	qualitative	ADJ
ajase-3793	166	14	dimensions	dimension	NOUN
ajase-3793	166	15	of	of	ADP
ajase-3793	166	16	women	woman	NOUN
ajase-3793	166	17	’s	’s	PART
ajase-3793	166	18	experiences	experience	NOUN
ajase-3793	166	19	and	and	CCONJ
ajase-3793	166	20	perceptions	perception	NOUN
ajase-3793	166	21	.	.	PUNCT
ajase-3793	167	1	banda	banda	NOUN
ajase-3793	167	2	et	et	PROPN
ajase-3793	167	3	al	al	PROPN
ajase-3793	167	4	.	.	PROPN
ajase-3793	168	1	(	(	PUNCT
ajase-3793	168	2	2022	2022	NUM
ajase-3793	168	3	)	)	PUNCT
ajase-3793	168	4	initiated	initiate	VERB
ajase-3793	168	5	a	a	DET
ajase-3793	168	6	shift	shift	NOUN
ajase-3793	168	7	towards	towards	ADP
ajase-3793	168	8	this	this	DET
ajase-3793	168	9	area	area	NOUN
ajase-3793	168	10	by	by	ADP
ajase-3793	168	11	conducting	conduct	VERB
ajase-3793	168	12	qualitative	qualitative	ADJ
ajase-3793	168	13	interviews	interview	NOUN
ajase-3793	168	14	;	;	PUNCT
ajase-3793	168	15	however	however	ADV
ajase-3793	168	16	,	,	PUNCT
ajase-3793	168	17	there	there	PRON
ajase-3793	168	18	remains	remain	VERB
ajase-3793	168	19	a	a	DET
ajase-3793	168	20	significant	significant	ADJ
ajase-3793	168	21	need	need	NOUN
ajase-3793	168	22	for	for	SCONJ
ajase-3793	168	23	more	more	ADV
ajase-3793	168	24	extensive	extensive	ADJ
ajase-3793	168	25	and	and	CCONJ
ajase-3793	168	26	detailed	detailed	ADJ
ajase-3793	168	27	qualitative	qualitative	ADJ
ajase-3793	168	28	investigations	investigation	NOUN
ajase-3793	168	29	to	to	PART
ajase-3793	168	30	fully	fully	ADV
ajase-3793	168	31	understand	understand	VERB
ajase-3793	168	32	the	the	DET
ajase-3793	168	33	lived	live	VERB
ajase-3793	168	34	experiences	experience	NOUN
ajase-3793	168	35	of	of	ADP
ajase-3793	168	36	women	woman	NOUN
ajase-3793	168	37	participating	participate	VERB
ajase-3793	168	38	in	in	ADP
ajase-3793	168	39	village	village	NOUN
ajase-3793	168	40	banking	banking	NOUN
ajase-3793	168	41	in	in	ADP
ajase-3793	168	42	zambia	zambia	PROPN
ajase-3793	168	43	.	.	PUNCT
ajase-3793	169	1	the	the	DET
ajase-3793	169	2	beneficial	beneficial	ADJ
ajase-3793	169	3	effects	effect	NOUN
ajase-3793	169	4	of	of	ADP
ajase-3793	169	5	village	village	NOUN
ajase-3793	169	6	banking	banking	NOUN
ajase-3793	169	7	on	on	ADP
ajase-3793	169	8	financial	financial	ADJ
ajase-3793	169	9	inclusion	inclusion	NOUN
ajase-3793	169	10	and	and	CCONJ
ajase-3793	169	11	poverty	poverty	NOUN
ajase-3793	169	12	reduction	reduction	NOUN
ajase-3793	169	13	have	have	AUX
ajase-3793	169	14	been	be	AUX
ajase-3793	169	15	acknowledged	acknowledge	VERB
ajase-3793	169	16	in	in	ADP
ajase-3793	169	17	the	the	DET
ajase-3793	169	18	literature	literature	NOUN
ajase-3793	169	19	(	(	PUNCT
ajase-3793	169	20	frisancho	frisancho	PROPN
ajase-3793	169	21	&	&	CCONJ
ajase-3793	169	22	valdivia	valdivia	PROPN
ajase-3793	169	23	,	,	PUNCT
ajase-3793	169	24	2020	2020	NUM
ajase-3793	169	25	;	;	PUNCT
ajase-3793	169	26	mbiakop	mbiakop	PROPN
ajase-3793	169	27	&	&	CCONJ
ajase-3793	169	28	oyekale	oyekale	PROPN
ajase-3793	169	29	,	,	PUNCT
ajase-3793	169	30	2017	2017	NUM
ajase-3793	169	31	)	)	PUNCT
ajase-3793	169	32	.	.	PUNCT
ajase-3793	170	1	however	however	ADV
ajase-3793	170	2	,	,	PUNCT
ajase-3793	170	3	there	there	PRON
ajase-3793	170	4	remains	remain	VERB
ajase-3793	170	5	a	a	DET
ajase-3793	170	6	significant	significant	ADJ
ajase-3793	170	7	gap	gap	NOUN
ajase-3793	170	8	in	in	ADP
ajase-3793	170	9	empirical	empirical	ADJ
ajase-3793	170	10	research	research	NOUN
ajase-3793	170	11	regarding	regard	VERB
ajase-3793	170	12	the	the	DET
ajase-3793	170	13	nexus	nexus	NOUN
ajase-3793	170	14	or	or	CCONJ
ajase-3793	170	15	link	link	VERB
ajase-3793	170	16	between	between	ADP
ajase-3793	170	17	village	village	NOUN
ajase-3793	170	18	banking	banking	NOUN
ajase-3793	170	19	models	model	NOUN
ajase-3793	170	20	and	and	CCONJ
ajase-3793	170	21	women	woman	NOUN
ajase-3793	170	22	’s	’s	PART
ajase-3793	170	23	financial	financial	ADJ
ajase-3793	170	24	inclusion	inclusion	NOUN
ajase-3793	170	25	within	within	ADP
ajase-3793	170	26	the	the	DET
ajase-3793	170	27	zambian	zambian	ADJ
ajase-3793	170	28	context	context	NOUN
ajase-3793	170	29	,	,	PUNCT
ajase-3793	170	30	combining	combine	VERB
ajase-3793	170	31	both	both	CCONJ
ajase-3793	170	32	qualitative	qualitative	ADJ
ajase-3793	170	33	and	and	CCONJ
ajase-3793	170	34	quantitative	quantitative	ADJ
ajase-3793	170	35	methods	method	NOUN
ajase-3793	170	36	.	.	PUNCT
ajase-3793	171	1	material	material	NOUN
ajase-3793	171	2	and	and	CCONJ
ajase-3793	171	3	methods	method	NOUN
ajase-3793	171	4	conceptual	conceptual	ADJ
ajase-3793	171	5	framework	framework	NOUN
ajase-3793	171	6	figure	figure	NOUN
ajase-3793	171	7	1	1	NUM
ajase-3793	171	8	shows	show	VERB
ajase-3793	171	9	how	how	SCONJ
ajase-3793	171	10	the	the	DET
ajase-3793	171	11	variables	variable	NOUN
ajase-3793	171	12	interact	interact	VERB
ajase-3793	171	13	in	in	ADP
ajase-3793	171	14	this	this	DET
ajase-3793	171	15	study	study	NOUN
ajase-3793	171	16	.	.	PUNCT
ajase-3793	172	1	financial	financial	ADJ
ajase-3793	172	2	inclusion	inclusion	NOUN
ajase-3793	172	3	refers	refer	VERB
ajase-3793	172	4	to	to	ADP
ajase-3793	172	5	the	the	DET
ajase-3793	172	6	availability	availability	NOUN
ajase-3793	172	7	and	and	CCONJ
ajase-3793	172	8	use	use	NOUN
ajase-3793	172	9	of	of	ADP
ajase-3793	172	10	financial	financial	ADJ
ajase-3793	172	11	services	service	NOUN
ajase-3793	172	12	by	by	ADP
ajase-3793	172	13	individuals	individual	NOUN
ajase-3793	172	14	and	and	CCONJ
ajase-3793	172	15	businesses	business	NOUN
ajase-3793	172	16	,	,	PUNCT
ajase-3793	172	17	particularly	particularly	ADV
ajase-3793	172	18	in	in	ADP
ajase-3793	172	19	underserved	underserved	ADJ
ajase-3793	172	20	communities	community	NOUN
ajase-3793	172	21	(	(	PUNCT
ajase-3793	172	22	world	world	PROPN
ajase-3793	172	23	bank	bank	PROPN
ajase-3793	172	24	,	,	PUNCT
ajase-3793	172	25	2023	2023	NUM
ajase-3793	172	26	)	)	PUNCT
ajase-3793	172	27	.	.	PUNCT
ajase-3793	173	1	it	it	PRON
ajase-3793	173	2	ensures	ensure	VERB
ajase-3793	173	3	access	access	NOUN
ajase-3793	173	4	to	to	ADP
ajase-3793	173	5	affordable	affordable	ADJ
ajase-3793	173	6	financial	financial	ADJ
ajase-3793	173	7	products	product	NOUN
ajase-3793	173	8	like	like	ADP
ajase-3793	173	9	savings	saving	NOUN
ajase-3793	173	10	accounts	account	NOUN
ajase-3793	173	11	,	,	PUNCT
ajase-3793	173	12	loans	loan	NOUN
ajase-3793	173	13	,	,	PUNCT
ajase-3793	173	14	insurance	insurance	NOUN
ajase-3793	173	15	,	,	PUNCT
ajase-3793	173	16	and	and	CCONJ
ajase-3793	173	17	payment	payment	NOUN
ajase-3793	173	18	systems	system	NOUN
ajase-3793	173	19	,	,	PUNCT
ajase-3793	173	20	which	which	PRON
ajase-3793	173	21	are	be	AUX
ajase-3793	173	22	vital	vital	ADJ
ajase-3793	173	23	for	for	ADP
ajase-3793	173	24	effective	effective	ADJ
ajase-3793	173	25	financial	financial	ADJ
ajase-3793	173	26	management	management	NOUN
ajase-3793	173	27	and	and	CCONJ
ajase-3793	173	28	risk	risk	NOUN
ajase-3793	173	29	mitigation	mitigation	NOUN
ajase-3793	173	30	.	.	PUNCT
ajase-3793	174	1	access	access	NOUN
ajase-3793	174	2	to	to	ADP
ajase-3793	174	3	credit	credit	NOUN
ajase-3793	174	4	is	be	AUX
ajase-3793	174	5	a	a	DET
ajase-3793	174	6	key	key	ADJ
ajase-3793	174	7	component	component	NOUN
ajase-3793	174	8	,	,	PUNCT
ajase-3793	174	9	enabling	enable	VERB
ajase-3793	174	10	individuals	individual	NOUN
ajase-3793	174	11	and	and	CCONJ
ajase-3793	174	12	businesses	business	NOUN
ajase-3793	174	13	to	to	PART
ajase-3793	174	14	secure	secure	VERB
ajase-3793	174	15	loans	loan	NOUN
ajase-3793	174	16	from	from	ADP
ajase-3793	174	17	financial	financial	ADJ
ajase-3793	174	18	institutions	institution	NOUN
ajase-3793	174	19	,	,	PUNCT
ajase-3793	174	20	thereby	thereby	ADV
ajase-3793	174	21	supporting	support	VERB
ajase-3793	174	22	goals	goal	NOUN
ajase-3793	174	23	such	such	ADJ
ajase-3793	174	24	as	as	ADP
ajase-3793	174	25	starting	start	VERB
ajase-3793	174	26	or	or	CCONJ
ajase-3793	174	27	expanding	expand	VERB
ajase-3793	174	28	a	a	DET
ajase-3793	174	29	business	business	NOUN
ajase-3793	174	30	,	,	PUNCT
ajase-3793	174	31	buying	buy	VERB
ajase-3793	174	32	a	a	DET
ajase-3793	174	33	home	home	NOUN
ajase-3793	174	34	,	,	PUNCT
ajase-3793	174	35	or	or	CCONJ
ajase-3793	174	36	handling	handle	VERB
ajase-3793	174	37	unexpected	unexpected	ADJ
ajase-3793	174	38	expenses	expense	NOUN
ajase-3793	174	39	(	(	PUNCT
ajase-3793	174	40	tomaselli	tomaselli	X
ajase-3793	174	41	et	et	PROPN
ajase-3793	174	42	al	al	PROPN
ajase-3793	174	43	.	.	PROPN
ajase-3793	174	44	,	,	PUNCT
ajase-3793	174	45	2013	2013	NUM
ajase-3793	174	46	)	)	PUNCT
ajase-3793	174	47	.	.	PUNCT
ajase-3793	175	1	savings	saving	NOUN
ajase-3793	175	2	denote	denote	VERB
ajase-3793	175	3	to	to	ADP
ajase-3793	175	4	the	the	DET
ajase-3793	175	5	portion	portion	NOUN
ajase-3793	175	6	of	of	ADP
ajase-3793	175	7	income	income	NOUN
ajase-3793	175	8	that	that	PRON
ajase-3793	175	9	is	be	AUX
ajase-3793	175	10	not	not	PART
ajase-3793	175	11	spent	spend	VERB
ajase-3793	175	12	on	on	ADP
ajase-3793	175	13	immediate	immediate	ADJ
ajase-3793	175	14	consumption	consumption	NOUN
ajase-3793	175	15	of	of	ADP
ajase-3793	175	16	goods	good	NOUN
ajase-3793	175	17	and	and	CCONJ
ajase-3793	175	18	services	service	NOUN
ajase-3793	175	19	but	but	CCONJ
ajase-3793	175	20	is	be	AUX
ajase-3793	175	21	instead	instead	ADV
ajase-3793	175	22	set	set	VERB
ajase-3793	175	23	aside	aside	ADV
ajase-3793	175	24	or	or	CCONJ
ajase-3793	175	25	stored	store	VERB
ajase-3793	175	26	for	for	ADP
ajase-3793	175	27	future	future	ADJ
ajase-3793	175	28	use	use	NOUN
ajase-3793	175	29	(	(	PUNCT
ajase-3793	175	30	aidoo	aidoo	PROPN
ajase-3793	175	31	-	-	PUNCT
ajase-3793	175	32	mensah	mensah	PROPN
ajase-3793	175	33	,	,	PUNCT
ajase-3793	175	34	2018	2018	NUM
ajase-3793	175	35	)	)	PUNCT
ajase-3793	175	36	.	.	PUNCT
ajase-3793	176	1	in	in	ADP
ajase-3793	176	2	the	the	DET
ajase-3793	176	3	context	context	NOUN
ajase-3793	176	4	of	of	ADP
ajase-3793	176	5	financial	financial	ADJ
ajase-3793	176	6	inclusion	inclusion	NOUN
ajase-3793	176	7	for	for	ADP
ajase-3793	176	8	women	woman	NOUN
ajase-3793	176	9	,	,	PUNCT
ajase-3793	176	10	savings	saving	NOUN
ajase-3793	176	11	are	be	AUX
ajase-3793	176	12	a	a	DET
ajase-3793	176	13	relevant	relevant	ADJ
ajase-3793	176	14	factor	factor	NOUN
ajase-3793	176	15	as	as	SCONJ
ajase-3793	176	16	they	they	PRON
ajase-3793	176	17	reflect	reflect	VERB
ajase-3793	176	18	women	woman	NOUN
ajase-3793	176	19	’s	’s	PART
ajase-3793	176	20	ability	ability	NOUN
ajase-3793	176	21	to	to	PART
ajase-3793	176	22	accumulate	accumulate	VERB
ajase-3793	176	23	financial	financial	ADJ
ajase-3793	176	24	resources	resource	NOUN
ajase-3793	176	25	and	and	CCONJ
ajase-3793	176	26	build	build	VERB
ajase-3793	176	27	assets	asset	NOUN
ajase-3793	176	28	over	over	ADP
ajase-3793	176	29	time	time	NOUN
ajase-3793	176	30	.	.	PUNCT
ajase-3793	177	1	a	a	DET
ajase-3793	177	2	higher	high	ADJ
ajase-3793	177	3	savings	saving	NOUN
ajase-3793	177	4	indicates	indicate	VERB
ajase-3793	177	5	a	a	DET
ajase-3793	177	6	greater	great	ADJ
ajase-3793	177	7	capacity	capacity	NOUN
ajase-3793	177	8	for	for	SCONJ
ajase-3793	177	9	women	woman	NOUN
ajase-3793	177	10	to	to	PART
ajase-3793	177	11	save	save	VERB
ajase-3793	177	12	and	and	CCONJ
ajase-3793	177	13	invest	invest	VERB
ajase-3793	177	14	in	in	ADP
ajase-3793	177	15	their	their	PRON
ajase-3793	177	16	future	future	NOUN
ajase-3793	177	17	,	,	PUNCT
ajase-3793	177	18	which	which	PRON
ajase-3793	177	19	can	can	AUX
ajase-3793	177	20	contribute	contribute	VERB
ajase-3793	177	21	to	to	ADP
ajase-3793	177	22	their	their	PRON
ajase-3793	177	23	financial	financial	ADJ
ajase-3793	177	24	stability	stability	NOUN
ajase-3793	177	25	and	and	CCONJ
ajase-3793	177	26	well	well	ADV
ajase-3793	177	27	-	-	PUNCT
ajase-3793	177	28	being	be	AUX
ajase-3793	177	29	(	(	PUNCT
ajase-3793	177	30	adera	adera	NOUN
ajase-3793	177	31	&	&	CCONJ
ajase-3793	177	32	abdisa	abdisa	PROPN
ajase-3793	177	33	,	,	PUNCT
ajase-3793	177	34	2023	2023	NUM
ajase-3793	177	35	)	)	PUNCT
ajase-3793	177	36	.	.	PUNCT
ajase-3793	178	1	social	social	ADJ
ajase-3793	178	2	capital	capital	NOUN
ajase-3793	178	3	refers	refer	VERB
ajase-3793	178	4	to	to	ADP
ajase-3793	178	5	the	the	DET
ajase-3793	178	6	networks	network	NOUN
ajase-3793	178	7	,	,	PUNCT
ajase-3793	178	8	relationships	relationship	NOUN
ajase-3793	178	9	,	,	PUNCT
ajase-3793	178	10	and	and	CCONJ
ajase-3793	178	11	norms	norm	NOUN
ajase-3793	178	12	of	of	ADP
ajase-3793	178	13	reciprocity	reciprocity	NOUN
ajase-3793	178	14	and	and	CCONJ
ajase-3793	178	15	trust	trust	NOUN
ajase-3793	178	16	that	that	PRON
ajase-3793	178	17	exist	exist	VERB
ajase-3793	178	18	within	within	ADP
ajase-3793	178	19	a	a	DET
ajase-3793	178	20	community	community	NOUN
ajase-3793	178	21	or	or	CCONJ
ajase-3793	178	22	group	group	NOUN
ajase-3793	178	23	(	(	PUNCT
ajase-3793	178	24	kenton	kenton	PROPN
ajase-3793	178	25	,	,	PUNCT
ajase-3793	178	26	2022	2022	NUM
ajase-3793	178	27	;	;	PUNCT
ajase-3793	178	28	oyinloye	oyinloye	NOUN
ajase-3793	178	29	,	,	PUNCT
ajase-3793	178	30	2024	2024	NUM
ajase-3793	178	31	)	)	PUNCT
ajase-3793	178	32	.	.	PUNCT
ajase-3793	179	1	in	in	ADP
ajase-3793	179	2	the	the	DET
ajase-3793	179	3	context	context	NOUN
ajase-3793	179	4	of	of	ADP
ajase-3793	179	5	financial	financial	ADJ
ajase-3793	179	6	inclusion	inclusion	NOUN
ajase-3793	179	7	for	for	ADP
ajase-3793	179	8	women	woman	NOUN
ajase-3793	179	9	,	,	PUNCT
ajase-3793	179	10	social	social	ADJ
ajase-3793	179	11	capital	capital	NOUN
ajase-3793	179	12	plays	play	VERB
ajase-3793	179	13	a	a	DET
ajase-3793	179	14	crucial	crucial	ADJ
ajase-3793	179	15	role	role	NOUN
ajase-3793	179	16	in	in	ADP
ajase-3793	179	17	facilitating	facilitate	VERB
ajase-3793	179	18	access	access	NOUN
ajase-3793	179	19	to	to	ADP
ajase-3793	179	20	financial	financial	ADJ
ajase-3793	179	21	services	service	NOUN
ajase-3793	179	22	and	and	CCONJ
ajase-3793	179	23	resources	resource	NOUN
ajase-3793	179	24	.	.	PUNCT
ajase-3793	180	1	women	woman	NOUN
ajase-3793	180	2	who	who	PRON
ajase-3793	180	3	are	be	AUX
ajase-3793	180	4	part	part	NOUN
ajase-3793	180	5	of	of	ADP
ajase-3793	180	6	strong	strong	ADJ
ajase-3793	180	7	social	social	ADJ
ajase-3793	180	8	networks	network	NOUN
ajase-3793	180	9	are	be	AUX
ajase-3793	180	10	more	more	ADV
ajase-3793	180	11	likely	likely	ADJ
ajase-3793	180	12	to	to	PART
ajase-3793	180	13	have	have	VERB
ajase-3793	180	14	access	access	NOUN
ajase-3793	180	15	to	to	ADP
ajase-3793	180	16	information	information	NOUN
ajase-3793	180	17	about	about	ADP
ajase-3793	180	18	financial	financial	ADJ
ajase-3793	180	19	services	service	NOUN
ajase-3793	180	20	,	,	PUNCT
ajase-3793	180	21	receive	receive	VERB
ajase-3793	180	22	support	support	NOUN
ajase-3793	180	23	figure	figure	NOUN
ajase-3793	180	24	1	1	NUM
ajase-3793	180	25	:	:	PUNCT
ajase-3793	180	26	conceptual	conceptual	ADJ
ajase-3793	180	27	framework	framework	NOUN
ajase-3793	180	28	source	source	NOUN
ajase-3793	180	29	:	:	PUNCT
ajase-3793	180	30	author	author	NOUN
ajase-3793	180	31	’s	’s	PART
ajase-3793	180	32	elaboration	elaboration	NOUN
ajase-3793	180	33	pa	pa	PROPN
ajase-3793	180	34	ge	ge	PROPN
ajase-3793	180	35	15	15	NUM
ajase-3793	180	36	9	9	NUM
ajase-3793	180	37	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	180	38	am	am	NOUN
ajase-3793	180	39	.	.	PUNCT
ajase-3793	181	1	j.	j.	PROPN
ajase-3793	181	2	appl	appl	PROPN
ajase-3793	181	3	.	.	PROPN
ajase-3793	182	1	stat	stat	PROPN
ajase-3793	182	2	.	.	PUNCT
ajase-3793	183	1	econ	econ	PROPN
ajase-3793	183	2	.	.	PUNCT
ajase-3793	184	1	3(1	3(1	NUM
ajase-3793	184	2	)	)	PUNCT
ajase-3793	184	3	154	154	NUM
ajase-3793	184	4	-	-	SYM
ajase-3793	184	5	166	166	NUM
ajase-3793	184	6	,	,	PUNCT
ajase-3793	184	7	2024	2024	NUM
ajase-3793	184	8	from	from	ADP
ajase-3793	184	9	others	other	NOUN
ajase-3793	184	10	in	in	ADP
ajase-3793	184	11	accessing	access	VERB
ajase-3793	184	12	credit	credit	NOUN
ajase-3793	184	13	or	or	CCONJ
ajase-3793	184	14	saving	saving	NOUN
ajase-3793	184	15	,	,	PUNCT
ajase-3793	184	16	and	and	CCONJ
ajase-3793	184	17	benefit	benefit	VERB
ajase-3793	184	18	from	from	ADP
ajase-3793	184	19	collective	collective	ADJ
ajase-3793	184	20	action	action	NOUN
ajase-3793	184	21	and	and	CCONJ
ajase-3793	184	22	advocacy	advocacy	NOUN
ajase-3793	184	23	efforts	effort	NOUN
ajase-3793	184	24	(	(	PUNCT
ajase-3793	184	25	ikhar	ikhar	VERB
ajase-3793	184	26	et	et	PROPN
ajase-3793	184	27	al	al	PROPN
ajase-3793	184	28	.	.	PROPN
ajase-3793	184	29	,	,	PUNCT
ajase-3793	184	30	2022	2022	NUM
ajase-3793	184	31	)	)	PUNCT
ajase-3793	184	32	.	.	PUNCT
ajase-3793	185	1	research	research	NOUN
ajase-3793	185	2	design	design	NOUN
ajase-3793	185	3	,	,	PUNCT
ajase-3793	185	4	data	datum	NOUN
ajase-3793	185	5	collection	collection	NOUN
ajase-3793	185	6	and	and	CCONJ
ajase-3793	185	7	data	datum	NOUN
ajase-3793	185	8	analysis	analysis	NOUN
ajase-3793	185	9	this	this	DET
ajase-3793	185	10	research	research	NOUN
ajase-3793	185	11	employed	employ	VERB
ajase-3793	185	12	a	a	DET
ajase-3793	185	13	case	case	NOUN
ajase-3793	185	14	study	study	NOUN
ajase-3793	185	15	methodology	methodology	NOUN
ajase-3793	185	16	,	,	PUNCT
ajase-3793	185	17	focusing	focus	VERB
ajase-3793	185	18	on	on	ADP
ajase-3793	185	19	the	the	DET
ajase-3793	185	20	members	member	NOUN
ajase-3793	185	21	of	of	ADP
ajase-3793	185	22	the	the	DET
ajase-3793	185	23	afri	afri	PROPN
ajase-3793	185	24	-	-	PUNCT
ajase-3793	185	25	zam	zam	PROPN
ajase-3793	185	26	cooperative	cooperative	PROPN
ajase-3793	185	27	located	locate	VERB
ajase-3793	185	28	in	in	ADP
ajase-3793	185	29	lusaka	lusaka	PROPN
ajase-3793	185	30	,	,	PUNCT
ajase-3793	185	31	zambia	zambia	PROPN
ajase-3793	185	32	.	.	PUNCT
ajase-3793	186	1	a	a	DET
ajase-3793	186	2	case	case	NOUN
ajase-3793	186	3	study	study	NOUN
ajase-3793	186	4	methodology	methodology	NOUN
ajase-3793	186	5	is	be	AUX
ajase-3793	186	6	characterized	characterize	VERB
ajase-3793	186	7	by	by	ADP
ajase-3793	186	8	a	a	DET
ajase-3793	186	9	thorough	thorough	ADJ
ajase-3793	186	10	and	and	CCONJ
ajase-3793	186	11	detailed	detailed	ADJ
ajase-3793	186	12	investigation	investigation	NOUN
ajase-3793	186	13	of	of	ADP
ajase-3793	186	14	a	a	DET
ajase-3793	186	15	singular	singular	ADJ
ajase-3793	186	16	case	case	NOUN
ajase-3793	186	17	or	or	CCONJ
ajase-3793	186	18	a	a	DET
ajase-3793	186	19	limited	limited	ADJ
ajase-3793	186	20	number	number	NOUN
ajase-3793	186	21	of	of	ADP
ajase-3793	186	22	cases	case	NOUN
ajase-3793	186	23	within	within	ADP
ajase-3793	186	24	their	their	PRON
ajase-3793	186	25	authentic	authentic	ADJ
ajase-3793	186	26	context	context	NOUN
ajase-3793	186	27	(	(	PUNCT
ajase-3793	186	28	priya	priya	PROPN
ajase-3793	186	29	,	,	PUNCT
ajase-3793	186	30	2021	2021	NUM
ajase-3793	186	31	)	)	PUNCT
ajase-3793	186	32	.	.	PUNCT
ajase-3793	187	1	the	the	DET
ajase-3793	187	2	selection	selection	NOUN
ajase-3793	187	3	of	of	ADP
ajase-3793	187	4	the	the	DET
ajase-3793	187	5	case	case	NOUN
ajase-3793	187	6	study	study	NOUN
ajase-3793	187	7	methodology	methodology	NOUN
ajase-3793	187	8	is	be	AUX
ajase-3793	187	9	justified	justify	VERB
ajase-3793	187	10	by	by	ADP
ajase-3793	187	11	its	its	PRON
ajase-3793	187	12	capacity	capacity	NOUN
ajase-3793	187	13	to	to	PART
ajase-3793	187	14	yield	yield	VERB
ajase-3793	187	15	a	a	DET
ajase-3793	187	16	profound	profound	ADJ
ajase-3793	187	17	,	,	PUNCT
ajase-3793	187	18	contextualized	contextualized	ADJ
ajase-3793	187	19	,	,	PUNCT
ajase-3793	187	20	and	and	CCONJ
ajase-3793	187	21	nuanced	nuanced	ADJ
ajase-3793	187	22	insight	insight	NOUN
ajase-3793	187	23	into	into	ADP
ajase-3793	187	24	the	the	DET
ajase-3793	187	25	effects	effect	NOUN
ajase-3793	187	26	of	of	ADP
ajase-3793	187	27	village	village	NOUN
ajase-3793	187	28	banking	banking	NOUN
ajase-3793	187	29	on	on	ADP
ajase-3793	187	30	the	the	DET
ajase-3793	187	31	livelihoods	livelihood	NOUN
ajase-3793	187	32	of	of	ADP
ajase-3793	187	33	women	woman	NOUN
ajase-3793	187	34	in	in	ADP
ajase-3793	187	35	lusaka	lusaka	PROPN
ajase-3793	187	36	,	,	PUNCT
ajase-3793	187	37	rendering	render	VERB
ajase-3793	187	38	it	it	PRON
ajase-3793	187	39	a	a	DET
ajase-3793	187	40	suitable	suitable	ADJ
ajase-3793	187	41	research	research	NOUN
ajase-3793	187	42	strategy	strategy	NOUN
ajase-3793	187	43	for	for	ADP
ajase-3793	187	44	this	this	DET
ajase-3793	187	45	investigation	investigation	NOUN
ajase-3793	187	46	.	.	PUNCT
ajase-3793	188	1	the	the	DET
ajase-3793	188	2	target	target	NOUN
ajase-3793	188	3	population	population	NOUN
ajase-3793	188	4	for	for	ADP
ajase-3793	188	5	this	this	DET
ajase-3793	188	6	study	study	NOUN
ajase-3793	188	7	was	be	AUX
ajase-3793	188	8	all	all	PRON
ajase-3793	188	9	members	member	NOUN
ajase-3793	188	10	of	of	ADP
ajase-3793	188	11	the	the	DET
ajase-3793	188	12	afri	afri	PROPN
ajase-3793	188	13	-	-	PUNCT
ajase-3793	188	14	zam	zam	PROPN
ajase-3793	188	15	cooperative	cooperative	NOUN
ajase-3793	188	16	in	in	ADP
ajase-3793	188	17	lusaka	lusaka	PROPN
ajase-3793	188	18	,	,	PUNCT
ajase-3793	188	19	zambia	zambia	PROPN
ajase-3793	188	20	,	,	PUNCT
ajase-3793	188	21	comprising	comprise	VERB
ajase-3793	188	22	150	150	NUM
ajase-3793	188	23	members	member	NOUN
ajase-3793	188	24	.	.	PUNCT
ajase-3793	189	1	in	in	ADP
ajase-3793	189	2	this	this	DET
ajase-3793	189	3	study	study	NOUN
ajase-3793	189	4	,	,	PUNCT
ajase-3793	189	5	the	the	DET
ajase-3793	189	6	sample	sample	NOUN
ajase-3793	189	7	size	size	NOUN
ajase-3793	189	8	for	for	ADP
ajase-3793	189	9	the	the	DET
ajase-3793	189	10	quantitative	quantitative	ADJ
ajase-3793	189	11	analyses	analysis	NOUN
ajase-3793	189	12	was	be	AUX
ajase-3793	189	13	determined	determine	VERB
ajase-3793	189	14	using	use	VERB
ajase-3793	189	15	the	the	DET
ajase-3793	189	16	yamane	yamane	NOUN
ajase-3793	189	17	’s	’s	PART
ajase-3793	189	18	(	(	PUNCT
ajase-3793	189	19	1967	1967	NUM
ajase-3793	189	20	)	)	PUNCT
ajase-3793	189	21	formula	formula	NOUN
ajase-3793	189	22	:	:	PUNCT
ajase-3793	189	23	where	where	SCONJ
ajase-3793	189	24	:	:	PUNCT
ajase-3793	189	25	n	n	NOUN
ajase-3793	189	26	=	=	SYM
ajase-3793	189	27	150	150	NUM
ajase-3793	189	28	e	e	NOUN
ajase-3793	189	29	=	=	SYM
ajase-3793	189	30	0.05	0.05	NUM
ajase-3793	189	31	n	n	NOUN
ajase-3793	189	32	=	=	NUM
ajase-3793	189	33	109	109	NUM
ajase-3793	189	34	at	at	ADP
ajase-3793	189	35	95	95	NUM
ajase-3793	189	36	%	%	NOUN
ajase-3793	189	37	confidence	confidence	NOUN
ajase-3793	189	38	interval	interval	NOUN
ajase-3793	189	39	.	.	PUNCT
ajase-3793	190	1	therefore	therefore	ADV
ajase-3793	190	2	,	,	PUNCT
ajase-3793	190	3	the	the	DET
ajase-3793	190	4	sample	sample	NOUN
ajase-3793	190	5	size	size	NOUN
ajase-3793	190	6	that	that	PRON
ajase-3793	190	7	was	be	AUX
ajase-3793	190	8	used	use	VERB
ajase-3793	190	9	was	be	AUX
ajase-3793	190	10	109	109	NUM
ajase-3793	190	11	.	.	PUNCT
ajase-3793	191	1	in	in	ADP
ajase-3793	191	2	this	this	DET
ajase-3793	191	3	study	study	NOUN
ajase-3793	191	4	,	,	PUNCT
ajase-3793	191	5	purposive	purposive	ADJ
ajase-3793	191	6	sampling	sampling	NOUN
ajase-3793	191	7	was	be	AUX
ajase-3793	191	8	employed	employ	VERB
ajase-3793	191	9	.	.	PUNCT
ajase-3793	192	1	this	this	DET
ajase-3793	192	2	method	method	NOUN
ajase-3793	192	3	,	,	PUNCT
ajase-3793	192	4	also	also	ADV
ajase-3793	192	5	referred	refer	VERB
ajase-3793	192	6	to	to	ADP
ajase-3793	192	7	as	as	ADV
ajase-3793	192	8	judgmental	judgmental	ADJ
ajase-3793	192	9	or	or	CCONJ
ajase-3793	192	10	selective	selective	ADJ
ajase-3793	192	11	sampling	sampling	NOUN
ajase-3793	192	12	,	,	PUNCT
ajase-3793	192	13	is	be	AUX
ajase-3793	192	14	a	a	DET
ajase-3793	192	15	non	non	ADJ
ajase-3793	192	16	-	-	ADJ
ajase-3793	192	17	probability	probability	ADJ
ajase-3793	192	18	sampling	sampling	NOUN
ajase-3793	192	19	technique	technique	NOUN
ajase-3793	192	20	wherein	wherein	SCONJ
ajase-3793	192	21	the	the	DET
ajase-3793	192	22	researcher	researcher	NOUN
ajase-3793	192	23	intentionally	intentionally	ADV
ajase-3793	192	24	selects	select	VERB
ajase-3793	192	25	participants	participant	NOUN
ajase-3793	192	26	based	base	VERB
ajase-3793	192	27	on	on	ADP
ajase-3793	192	28	characteristics	characteristic	NOUN
ajase-3793	192	29	,	,	PUNCT
ajase-3793	192	30	knowledge	knowledge	NOUN
ajase-3793	192	31	,	,	PUNCT
ajase-3793	192	32	or	or	CCONJ
ajase-3793	192	33	expertise	expertise	NOUN
ajase-3793	192	34	that	that	PRON
ajase-3793	192	35	are	be	AUX
ajase-3793	192	36	relevant	relevant	ADJ
ajase-3793	192	37	to	to	ADP
ajase-3793	192	38	the	the	DET
ajase-3793	192	39	research	research	NOUN
ajase-3793	192	40	focus	focus	NOUN
ajase-3793	192	41	(	(	PUNCT
ajase-3793	192	42	campbell	campbell	PROPN
ajase-3793	192	43	et	et	PROPN
ajase-3793	192	44	al	al	PROPN
ajase-3793	192	45	.	.	PROPN
ajase-3793	192	46	,	,	PUNCT
ajase-3793	192	47	2020	2020	NUM
ajase-3793	192	48	)	)	PUNCT
ajase-3793	192	49	.	.	PUNCT
ajase-3793	193	1	by	by	ADP
ajase-3793	193	2	utilizing	utilize	VERB
ajase-3793	193	3	this	this	DET
ajase-3793	193	4	sampling	sampling	NOUN
ajase-3793	193	5	strategy	strategy	NOUN
ajase-3793	193	6	,	,	PUNCT
ajase-3793	193	7	the	the	DET
ajase-3793	193	8	study	study	NOUN
ajase-3793	193	9	aimed	aim	VERB
ajase-3793	193	10	to	to	PART
ajase-3793	193	11	ensure	ensure	VERB
ajase-3793	193	12	that	that	SCONJ
ajase-3793	193	13	the	the	DET
ajase-3793	193	14	sample	sample	NOUN
ajase-3793	193	15	is	be	AUX
ajase-3793	193	16	representative	representative	NOUN
ajase-3793	193	17	of	of	ADP
ajase-3793	193	18	the	the	DET
ajase-3793	193	19	population	population	NOUN
ajase-3793	193	20	.	.	PUNCT
ajase-3793	194	1	the	the	DET
ajase-3793	194	2	qualitative	qualitative	ADJ
ajase-3793	194	3	analysis	analysis	NOUN
ajase-3793	194	4	was	be	AUX
ajase-3793	194	5	guided	guide	VERB
ajase-3793	194	6	by	by	ADP
ajase-3793	194	7	the	the	DET
ajase-3793	194	8	principle	principle	NOUN
ajase-3793	194	9	of	of	ADP
ajase-3793	194	10	saturation	saturation	NOUN
ajase-3793	194	11	,	,	PUNCT
ajase-3793	194	12	which	which	PRON
ajase-3793	194	13	refers	refer	VERB
ajase-3793	194	14	to	to	ADP
ajase-3793	194	15	the	the	DET
ajase-3793	194	16	stage	stage	NOUN
ajase-3793	194	17	at	at	ADP
ajase-3793	194	18	which	which	PRON
ajase-3793	194	19	the	the	DET
ajase-3793	194	20	collection	collection	NOUN
ajase-3793	194	21	of	of	ADP
ajase-3793	194	22	additional	additional	ADJ
ajase-3793	194	23	data	datum	NOUN
ajase-3793	194	24	ceases	cease	VERB
ajase-3793	194	25	to	to	PART
ajase-3793	194	26	yield	yield	VERB
ajase-3793	194	27	new	new	ADJ
ajase-3793	194	28	insights	insight	NOUN
ajase-3793	194	29	or	or	CCONJ
ajase-3793	194	30	themes	theme	NOUN
ajase-3793	194	31	pertinent	pertinent	ADJ
ajase-3793	194	32	to	to	ADP
ajase-3793	194	33	the	the	DET
ajase-3793	194	34	investigation	investigation	NOUN
ajase-3793	194	35	.	.	PUNCT
ajase-3793	195	1	both	both	DET
ajase-3793	195	2	primary	primary	ADJ
ajase-3793	195	3	and	and	CCONJ
ajase-3793	195	4	secondary	secondary	ADJ
ajase-3793	195	5	data	datum	NOUN
ajase-3793	195	6	were	be	AUX
ajase-3793	195	7	used	use	VERB
ajase-3793	195	8	.	.	PUNCT
ajase-3793	196	1	primary	primary	ADJ
ajase-3793	196	2	data	datum	NOUN
ajase-3793	196	3	were	be	AUX
ajase-3793	196	4	collected	collect	VERB
ajase-3793	196	5	through	through	ADP
ajase-3793	196	6	a	a	DET
ajase-3793	196	7	survey	survey	NOUN
ajase-3793	196	8	of	of	ADP
ajase-3793	196	9	selected	select	VERB
ajase-3793	196	10	respondents	respondent	NOUN
ajase-3793	196	11	.	.	PUNCT
ajase-3793	197	1	secondary	secondary	ADJ
ajase-3793	197	2	data	datum	NOUN
ajase-3793	197	3	was	be	AUX
ajase-3793	197	4	collected	collect	VERB
ajase-3793	197	5	through	through	ADP
ajase-3793	197	6	document	document	NOUN
ajase-3793	197	7	review	review	NOUN
ajase-3793	197	8	of	of	ADP
ajase-3793	197	9	relevant	relevant	ADJ
ajase-3793	197	10	documents	document	NOUN
ajase-3793	197	11	.	.	PUNCT
ajase-3793	198	1	the	the	DET
ajase-3793	198	2	econometric	econometric	ADJ
ajase-3793	198	3	model	model	NOUN
ajase-3793	198	4	the	the	DET
ajase-3793	198	5	study	study	NOUN
ajase-3793	198	6	adopted	adopt	VERB
ajase-3793	198	7	a	a	DET
ajase-3793	198	8	cross	cross	ADJ
ajase-3793	198	9	-	-	ADJ
ajase-3793	198	10	sectional	sectional	ADJ
ajase-3793	198	11	design	design	NOUN
ajase-3793	198	12	,	,	PUNCT
ajase-3793	198	13	capturing	capture	VERB
ajase-3793	198	14	a	a	DET
ajase-3793	198	15	snapshot	snapshot	NOUN
ajase-3793	198	16	of	of	ADP
ajase-3793	198	17	financial	financial	ADJ
ajase-3793	198	18	inclusion	inclusion	NOUN
ajase-3793	198	19	at	at	ADP
ajase-3793	198	20	a	a	DET
ajase-3793	198	21	single	single	ADJ
ajase-3793	198	22	point	point	NOUN
ajase-3793	198	23	in	in	ADP
ajase-3793	198	24	time	time	NOUN
ajase-3793	198	25	.	.	PUNCT
ajase-3793	199	1	econometrically	econometrically	ADV
ajase-3793	199	2	,	,	PUNCT
ajase-3793	199	3	the	the	DET
ajase-3793	199	4	overall	overall	ADJ
ajase-3793	199	5	regression	regression	NOUN
ajase-3793	199	6	model	model	NOUN
ajase-3793	199	7	is	be	AUX
ajase-3793	199	8	specified	specify	VERB
ajase-3793	199	9	as	as	SCONJ
ajase-3793	199	10	shown	show	VERB
ajase-3793	199	11	in	in	ADP
ajase-3793	199	12	equation	equation	NOUN
ajase-3793	199	13	1	1	NUM
ajase-3793	199	14	:	:	PUNCT
ajase-3793	199	15	fin_inclusiont=	fin_inclusiont=	PROPN
ajase-3793	199	16	β0	β0	PROPN
ajase-3793	199	17	+	+	PROPN
ajase-3793	199	18	β1access_creditt	β1access_creditt	NUM
ajase-3793	200	1	+	+	NUM
ajase-3793	200	2	β2savingst	β2savingst	NUM
ajase-3793	200	3	+	+	CCONJ
ajase-3793	200	4	β_3	β_3	PROPN
ajase-3793	200	5	social_capitalt	social_capitalt	VERB
ajase-3793	200	6	+	+	CCONJ
ajase-3793	200	7	β4	β4	PROPN
ajase-3793	200	8	φt+	φt+	VERB
ajase-3793	200	9	β5δt	β5δt	PUNCT
ajase-3793	201	1	+	+	CCONJ
ajase-3793	201	2	εt	εt	PROPN
ajase-3793	201	3	(	(	PUNCT
ajase-3793	201	4	1	1	NUM
ajase-3793	201	5	)	)	PUNCT
ajase-3793	201	6	where	where	SCONJ
ajase-3793	201	7	;	;	PUNCT
ajase-3793	201	8	fin_inclusiont	fin_inclusiont	ADJ
ajase-3793	201	9	is	be	AUX
ajase-3793	201	10	financial	financial	ADJ
ajase-3793	201	11	inclusion	inclusion	NOUN
ajase-3793	201	12	at	at	ADP
ajase-3793	201	13	time	time	NOUN
ajase-3793	201	14	t	t	PROPN
ajase-3793	201	15	,	,	PUNCT
ajase-3793	201	16	access_creditt	access_creditt	X
ajase-3793	201	17	is	be	AUX
ajase-3793	201	18	access	access	NOUN
ajase-3793	201	19	to	to	ADP
ajase-3793	201	20	the	the	DET
ajase-3793	201	21	credit	credit	NOUN
ajase-3793	201	22	at	at	ADP
ajase-3793	201	23	time	time	NOUN
ajase-3793	201	24	t	t	PROPN
ajase-3793	201	25	,	,	PUNCT
ajase-3793	201	26	savingst	savingst	ADV
ajase-3793	201	27	refers	refer	VERB
ajase-3793	201	28	to	to	ADP
ajase-3793	201	29	the	the	DET
ajase-3793	201	30	savings	saving	NOUN
ajase-3793	201	31	by	by	ADP
ajase-3793	201	32	the	the	DET
ajase-3793	201	33	participants	participant	NOUN
ajase-3793	201	34	,	,	PUNCT
ajase-3793	201	35	social_capitalt	social_capitalt	PROPN
ajase-3793	201	36	is	be	AUX
ajase-3793	201	37	social	social	ADJ
ajase-3793	201	38	capital	capital	NOUN
ajase-3793	201	39	,	,	PUNCT
ajase-3793	201	40	at	at	ADP
ajase-3793	201	41	time	time	NOUN
ajase-3793	201	42	t.	t.	PROPN
ajase-3793	201	43	the	the	DET
ajase-3793	201	44	parameter	parameter	NOUN
ajase-3793	201	45	β0	β0	PROPN
ajase-3793	201	46	represent	represent	VERB
ajase-3793	201	47	the	the	DET
ajase-3793	201	48	different	different	ADJ
ajase-3793	201	49	intercepts	intercept	NOUN
ajase-3793	201	50	for	for	ADP
ajase-3793	201	51	the	the	DET
ajase-3793	201	52	independent	independent	ADJ
ajase-3793	201	53	(	(	PUNCT
ajase-3793	201	54	predictor	predictor	NOUN
ajase-3793	201	55	)	)	PUNCT
ajase-3793	201	56	variables	variable	NOUN
ajase-3793	201	57	,	,	PUNCT
ajase-3793	201	58	β1	β1	PROPN
ajase-3793	201	59	β5	β5	NOUN
ajase-3793	201	60	represent	represent	VERB
ajase-3793	201	61	the	the	DET
ajase-3793	201	62	coefficient	coefficient	NOUN
ajase-3793	201	63	estimates	estimate	NOUN
ajase-3793	201	64	for	for	ADP
ajase-3793	201	65	three	three	NUM
ajase-3793	201	66	dependent	dependent	ADJ
ajase-3793	201	67	variables	variable	NOUN
ajase-3793	201	68	(	(	PUNCT
ajase-3793	201	69	financial	financial	ADJ
ajase-3793	201	70	inclusion	inclusion	NOUN
ajase-3793	201	71	,	,	PUNCT
ajase-3793	201	72	access	access	NOUN
ajase-3793	201	73	to	to	ADP
ajase-3793	201	74	credit	credit	NOUN
ajase-3793	201	75	and	and	CCONJ
ajase-3793	201	76	savings	saving	NOUN
ajase-3793	201	77	)	)	PUNCT
ajase-3793	201	78	and	and	CCONJ
ajase-3793	201	79	the	the	DET
ajase-3793	201	80	two	two	NUM
ajase-3793	201	81	control	control	NOUN
ajase-3793	201	82	variables	variable	NOUN
ajase-3793	201	83	,	,	PUNCT
ajase-3793	201	84	marital	marital	ADJ
ajase-3793	201	85	status	status	NOUN
ajase-3793	201	86	and	and	CCONJ
ajase-3793	201	87	gender	gender	NOUN
ajase-3793	201	88	represented	represent	VERB
ajase-3793	201	89	by	by	ADP
ajase-3793	201	90	the	the	DET
ajase-3793	201	91	parameters	parameter	NOUN
ajase-3793	201	92	φt	φt	PROPN
ajase-3793	201	93	and	and	CCONJ
ajase-3793	201	94	δt	δt	X
ajase-3793	201	95	respectively	respectively	ADV
ajase-3793	201	96	.	.	PUNCT
ajase-3793	202	1	finally	finally	ADV
ajase-3793	202	2	,	,	PUNCT
ajase-3793	202	3	the	the	DET
ajase-3793	202	4	εt	εt	PROPN
ajase-3793	202	5	denotes	denote	VERB
ajase-3793	202	6	the	the	DET
ajase-3793	202	7	error	error	NOUN
ajase-3793	202	8	term	term	NOUN
ajase-3793	202	9	or	or	CCONJ
ajase-3793	202	10	the	the	DET
ajase-3793	202	11	impact	impact	NOUN
ajase-3793	202	12	on	on	ADP
ajase-3793	202	13	the	the	DET
ajase-3793	202	14	model	model	NOUN
ajase-3793	202	15	of	of	ADP
ajase-3793	202	16	estimates	estimate	NOUN
ajase-3793	202	17	of	of	ADP
ajase-3793	202	18	the	the	DET
ajase-3793	202	19	unobserved	unobserved	ADJ
ajase-3793	202	20	variables	variable	NOUN
ajase-3793	202	21	.	.	PUNCT
ajase-3793	203	1	the	the	DET
ajase-3793	203	2	regression	regression	NOUN
ajase-3793	203	3	models	model	NOUN
ajase-3793	203	4	were	be	AUX
ajase-3793	203	5	estimated	estimate	VERB
ajase-3793	203	6	separately	separately	ADV
ajase-3793	203	7	as	as	ADP
ajase-3793	203	8	model	model	NOUN
ajase-3793	203	9	1	1	NUM
ajase-3793	203	10	,	,	PUNCT
ajase-3793	203	11	model	model	NOUN
ajase-3793	203	12	2	2	NUM
ajase-3793	203	13	,	,	PUNCT
ajase-3793	203	14	model	model	NOUN
ajase-3793	203	15	3	3	NUM
ajase-3793	203	16	and	and	CCONJ
ajase-3793	203	17	model	model	NOUN
ajase-3793	203	18	4	4	NUM
ajase-3793	203	19	.	.	PUNCT
ajase-3793	204	1	the	the	DET
ajase-3793	204	2	regression	regression	NOUN
ajase-3793	204	3	models	model	NOUN
ajase-3793	204	4	are	be	AUX
ajase-3793	204	5	estimated	estimate	VERB
ajase-3793	204	6	separately	separately	ADV
ajase-3793	204	7	,	,	PUNCT
ajase-3793	204	8	and	and	CCONJ
ajase-3793	204	9	variables	variable	NOUN
ajase-3793	204	10	were	be	AUX
ajase-3793	204	11	progressively	progressively	ADV
ajase-3793	204	12	added	add	VERB
ajase-3793	204	13	.	.	PUNCT
ajase-3793	205	1	regressions	regression	NOUN
ajase-3793	205	2	in	in	ADP
ajase-3793	205	3	model	model	NOUN
ajase-3793	205	4	1	1	NUM
ajase-3793	205	5	only	only	ADV
ajase-3793	205	6	included	include	VERB
ajase-3793	205	7	control	control	NOUN
ajase-3793	205	8	variables	variable	NOUN
ajase-3793	205	9	.	.	PUNCT
ajase-3793	206	1	in	in	ADP
ajase-3793	206	2	in	in	ADP
ajase-3793	206	3	model	model	NOUN
ajase-3793	206	4	2	2	NUM
ajase-3793	206	5	,	,	PUNCT
ajase-3793	206	6	saving	save	VERB
ajase-3793	206	7	as	as	ADP
ajase-3793	206	8	an	an	DET
ajase-3793	206	9	independent	independent	ADJ
ajase-3793	206	10	variable	variable	NOUN
ajase-3793	206	11	was	be	AUX
ajase-3793	206	12	added	add	VERB
ajase-3793	206	13	to	to	PART
ajase-3793	206	14	model	model	VERB
ajase-3793	206	15	1	1	NUM
ajase-3793	206	16	.	.	PUNCT
ajase-3793	207	1	in	in	ADP
ajase-3793	207	2	model	model	NOUN
ajase-3793	207	3	3	3	NUM
ajase-3793	207	4	,	,	PUNCT
ajase-3793	207	5	access	access	NOUN
ajase-3793	207	6	to	to	ADP
ajase-3793	207	7	credit	credit	NOUN
ajase-3793	207	8	as	as	ADP
ajase-3793	207	9	a	a	DET
ajase-3793	207	10	predictor	predictor	NOUN
ajase-3793	207	11	variable	variable	NOUN
ajase-3793	207	12	was	be	AUX
ajase-3793	207	13	added	add	VERB
ajase-3793	207	14	to	to	PART
ajase-3793	207	15	model	model	VERB
ajase-3793	207	16	3	3	NUM
ajase-3793	207	17	.	.	PUNCT
ajase-3793	208	1	finally	finally	ADV
ajase-3793	208	2	,	,	PUNCT
ajase-3793	208	3	in	in	ADP
ajase-3793	208	4	model	model	NOUN
ajase-3793	208	5	4	4	NUM
ajase-3793	208	6	,	,	PUNCT
ajase-3793	208	7	all	all	DET
ajase-3793	208	8	the	the	DET
ajase-3793	208	9	independent	independent	ADJ
ajase-3793	208	10	or	or	CCONJ
ajase-3793	208	11	predictor	predictor	NOUN
ajase-3793	208	12	variables	variable	NOUN
ajase-3793	208	13	along	along	ADP
ajase-3793	208	14	with	with	ADP
ajase-3793	208	15	the	the	DET
ajase-3793	208	16	control	control	NOUN
ajase-3793	208	17	variables	variable	NOUN
ajase-3793	208	18	were	be	AUX
ajase-3793	208	19	all	all	PRON
ajase-3793	208	20	regressed	regress	VERB
ajase-3793	208	21	on	on	ADP
ajase-3793	208	22	the	the	DET
ajase-3793	208	23	financial	financial	ADJ
ajase-3793	208	24	inclusion	inclusion	NOUN
ajase-3793	208	25	simultaneously	simultaneously	ADV
ajase-3793	208	26	.	.	PUNCT
ajase-3793	209	1	results	result	NOUN
ajase-3793	209	2	and	and	CCONJ
ajase-3793	209	3	discussions	discussion	NOUN
ajase-3793	209	4	quantitative	quantitative	ADJ
ajase-3793	209	5	analysis	analysis	NOUN
ajase-3793	209	6	demographic	demographic	ADJ
ajase-3793	209	7	profile	profile	NOUN
ajase-3793	209	8	table	table	NOUN
ajase-3793	209	9	1	1	NUM
ajase-3793	209	10	shows	show	VERB
ajase-3793	209	11	the	the	DET
ajase-3793	209	12	demographic	demographic	ADJ
ajase-3793	209	13	profile	profile	NOUN
ajase-3793	209	14	of	of	ADP
ajase-3793	209	15	the	the	DET
ajase-3793	209	16	people	people	NOUN
ajase-3793	209	17	in	in	ADP
ajase-3793	209	18	the	the	DET
ajase-3793	209	19	sample	sample	NOUN
ajase-3793	209	20	of	of	ADP
ajase-3793	209	21	this	this	DET
ajase-3793	209	22	study	study	NOUN
ajase-3793	209	23	.	.	PUNCT
ajase-3793	210	1	table	table	NOUN
ajase-3793	210	2	1	1	NUM
ajase-3793	210	3	:	:	PUNCT
ajase-3793	210	4	demographic	demographic	ADJ
ajase-3793	210	5	profile	profile	NOUN
ajase-3793	210	6	variables	variable	VERB
ajase-3793	210	7	description	description	NOUN
ajase-3793	210	8	frequency	frequency	NOUN
ajase-3793	210	9	per	per	ADP
ajase-3793	210	10	cent	cent	NOUN
ajase-3793	210	11	gender	gender	NOUN
ajase-3793	210	12	male	male	NOUN
ajase-3793	210	13	28	28	NUM
ajase-3793	210	14	25.9	25.9	NUM
ajase-3793	210	15	female	female	ADJ
ajase-3793	210	16	80	80	NUM
ajase-3793	210	17	74.1	74.1	NUM
ajase-3793	210	18	total	total	NOUN
ajase-3793	210	19	108	108	NUM
ajase-3793	210	20	100	100	NUM
ajase-3793	210	21	age	age	NOUN
ajase-3793	210	22	18	18	NUM
ajase-3793	210	23	-	-	SYM
ajase-3793	210	24	24	24	NUM
ajase-3793	210	25	years	year	NOUN
ajase-3793	210	26	6	6	NUM
ajase-3793	210	27	5.6	5.6	NUM
ajase-3793	210	28	25	25	NUM
ajase-3793	210	29	-	-	SYM
ajase-3793	210	30	34	34	NUM
ajase-3793	210	31	years	year	NOUN
ajase-3793	210	32	53	53	NUM
ajase-3793	210	33	49.1	49.1	NUM
ajase-3793	210	34	35	35	NUM
ajase-3793	210	35	-	-	SYM
ajase-3793	210	36	44	44	NUM
ajase-3793	210	37	years	year	NOUN
ajase-3793	210	38	41	41	NUM
ajase-3793	210	39	38	38	NUM
ajase-3793	210	40	45	45	NUM
ajase-3793	210	41	-	-	SYM
ajase-3793	210	42	55	55	NUM
ajase-3793	210	43	years	year	NOUN
ajase-3793	210	44	8	8	NUM
ajase-3793	210	45	7.4	7.4	NUM
ajase-3793	210	46	total	total	NOUN
ajase-3793	210	47	108	108	NUM
ajase-3793	210	48	100	100	NUM
ajase-3793	210	49	marital	marital	ADJ
ajase-3793	210	50	status	status	NOUN
ajase-3793	210	51	single	single	ADJ
ajase-3793	210	52	55	55	NUM
ajase-3793	210	53	50.9	50.9	NUM
ajase-3793	210	54	married	marry	VERB
ajase-3793	210	55	41	41	NUM
ajase-3793	210	56	38	38	NUM
ajase-3793	210	57	divorced	divorced	ADJ
ajase-3793	210	58	11	11	NUM
ajase-3793	210	59	10.2	10.2	NUM
ajase-3793	210	60	widowed	widow	VERB
ajase-3793	210	61	1	1	NUM
ajase-3793	210	62	0.9	0.9	NUM
ajase-3793	210	63	total	total	NOUN
ajase-3793	210	64	108	108	NUM
ajase-3793	210	65	100	100	NUM
ajase-3793	210	66	pa	pa	PROPN
ajase-3793	210	67	ge	ge	PROPN
ajase-3793	211	1	16	16	NUM
ajase-3793	211	2	0	0	NUM
ajase-3793	212	1	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	212	2	am	am	NOUN
ajase-3793	212	3	.	.	PUNCT
ajase-3793	213	1	j.	j.	PROPN
ajase-3793	213	2	appl	appl	PROPN
ajase-3793	213	3	.	.	PROPN
ajase-3793	214	1	stat	stat	PROPN
ajase-3793	214	2	.	.	PUNCT
ajase-3793	215	1	econ	econ	PROPN
ajase-3793	215	2	.	.	PUNCT
ajase-3793	216	1	3(1	3(1	NUM
ajase-3793	216	2	)	)	PUNCT
ajase-3793	216	3	154	154	NUM
ajase-3793	216	4	-	-	SYM
ajase-3793	216	5	166	166	NUM
ajase-3793	216	6	,	,	PUNCT
ajase-3793	216	7	2024	2024	NUM
ajase-3793	216	8	educational	educational	ADJ
ajase-3793	216	9	level	level	NOUN
ajase-3793	216	10	less	less	ADJ
ajase-3793	216	11	than	than	ADP
ajase-3793	216	12	high	high	ADJ
ajase-3793	216	13	school	school	NOUN
ajase-3793	216	14	2	2	NUM
ajase-3793	216	15	1.9	1.9	NUM
ajase-3793	216	16	high	high	ADJ
ajase-3793	216	17	school	school	NOUN
ajase-3793	216	18	graduate	graduate	NOUN
ajase-3793	216	19	11	11	NUM
ajase-3793	216	20	10.2	10.2	NUM
ajase-3793	216	21	certificate	certificate	NOUN
ajase-3793	216	22	20	20	NUM
ajase-3793	216	23	18.5	18.5	NUM
ajase-3793	216	24	bachelor	bachelor	NOUN
ajase-3793	216	25	's	's	PART
ajase-3793	216	26	degree	degree	NOUN
ajase-3793	216	27	63	63	NUM
ajase-3793	216	28	58.3	58.3	NUM
ajase-3793	216	29	masters	master	NOUN
ajase-3793	216	30	12	12	NUM
ajase-3793	216	31	11.1	11.1	NUM
ajase-3793	216	32	total	total	NOUN
ajase-3793	216	33	108	108	NUM
ajase-3793	216	34	100	100	NUM
ajase-3793	216	35	occupation	occupation	NOUN
ajase-3793	216	36	employed	employ	VERB
ajase-3793	216	37	(	(	PUNCT
ajase-3793	216	38	full	full	ADJ
ajase-3793	216	39	-	-	PUNCT
ajase-3793	216	40	time	time	NOUN
ajase-3793	216	41	)	)	PUNCT
ajase-3793	216	42	5	5	NUM
ajase-3793	216	43	4.6	4.6	NUM
ajase-3793	216	44	employed	employ	VERB
ajase-3793	216	45	(	(	PUNCT
ajase-3793	216	46	part	part	NOUN
ajase-3793	216	47	-	-	PUNCT
ajase-3793	216	48	time	time	NOUN
ajase-3793	216	49	)	)	PUNCT
ajase-3793	216	50	45	45	NUM
ajase-3793	216	51	41.7	41.7	NUM
ajase-3793	216	52	unemployed	unemployed	ADJ
ajase-3793	216	53	46	46	NUM
ajase-3793	216	54	42.6	42.6	NUM
ajase-3793	216	55	student	student	NOUN
ajase-3793	216	56	11	11	NUM
ajase-3793	216	57	10.2	10.2	NUM
ajase-3793	216	58	retired	retire	VERB
ajase-3793	216	59	1	1	NUM
ajase-3793	216	60	0.9	0.9	NUM
ajase-3793	216	61	total	total	NOUN
ajase-3793	216	62	108	108	NUM
ajase-3793	216	63	100	100	NUM
ajase-3793	216	64	the	the	DET
ajase-3793	216	65	investigation	investigation	NOUN
ajase-3793	216	66	into	into	ADP
ajase-3793	216	67	village	village	NOUN
ajase-3793	216	68	banking	banking	NOUN
ajase-3793	216	69	’s	’s	PART
ajase-3793	216	70	impact	impact	NOUN
ajase-3793	216	71	on	on	ADP
ajase-3793	216	72	women	woman	NOUN
ajase-3793	216	73	’s	’s	PART
ajase-3793	216	74	financial	financial	ADJ
ajase-3793	216	75	inclusion	inclusion	NOUN
ajase-3793	216	76	revealed	reveal	VERB
ajase-3793	216	77	that	that	SCONJ
ajase-3793	216	78	80	80	NUM
ajase-3793	216	79	participants	participant	NOUN
ajase-3793	216	80	(	(	PUNCT
ajase-3793	216	81	74.1	74.1	NUM
ajase-3793	216	82	%	%	NOUN
ajase-3793	216	83	)	)	PUNCT
ajase-3793	216	84	were	be	AUX
ajase-3793	216	85	female	female	ADJ
ajase-3793	216	86	,	,	PUNCT
ajase-3793	216	87	while	while	SCONJ
ajase-3793	216	88	28	28	NUM
ajase-3793	216	89	(	(	PUNCT
ajase-3793	216	90	25.9	25.9	NUM
ajase-3793	216	91	%	%	NOUN
ajase-3793	216	92	)	)	PUNCT
ajase-3793	216	93	were	be	AUX
ajase-3793	216	94	male	male	ADJ
ajase-3793	216	95	.	.	PUNCT
ajase-3793	217	1	the	the	DET
ajase-3793	217	2	age	age	NOUN
ajase-3793	217	3	distribution	distribution	NOUN
ajase-3793	217	4	showed	show	VERB
ajase-3793	217	5	a	a	DET
ajase-3793	217	6	majority	majority	NOUN
ajase-3793	217	7	of	of	ADP
ajase-3793	217	8	younger	young	ADJ
ajase-3793	217	9	adults	adult	NOUN
ajase-3793	217	10	,	,	PUNCT
ajase-3793	217	11	with	with	ADP
ajase-3793	217	12	49.1	49.1	NUM
ajase-3793	217	13	%	%	NOUN
ajase-3793	217	14	(	(	PUNCT
ajase-3793	217	15	53	53	NUM
ajase-3793	217	16	individuals	individual	NOUN
ajase-3793	217	17	)	)	PUNCT
ajase-3793	217	18	aged	aged	ADJ
ajase-3793	217	19	25	25	NUM
ajase-3793	217	20	-	-	SYM
ajase-3793	217	21	34	34	NUM
ajase-3793	217	22	and	and	CCONJ
ajase-3793	217	23	38	38	NUM
ajase-3793	217	24	%	%	NOUN
ajase-3793	217	25	(	(	PUNCT
ajase-3793	217	26	41	41	NUM
ajase-3793	217	27	individuals	individual	NOUN
ajase-3793	217	28	)	)	PUNCT
ajase-3793	217	29	aged	aged	ADJ
ajase-3793	217	30	35	35	NUM
ajase-3793	217	31	-	-	SYM
ajase-3793	217	32	44	44	NUM
ajase-3793	217	33	.	.	PUNCT
ajase-3793	218	1	young	young	ADJ
ajase-3793	218	2	adults	adult	NOUN
ajase-3793	218	3	aged	age	VERB
ajase-3793	218	4	18	18	NUM
ajase-3793	218	5	-	-	SYM
ajase-3793	218	6	24	24	NUM
ajase-3793	218	7	made	make	VERB
ajase-3793	218	8	up	up	ADP
ajase-3793	218	9	5.6	5.6	NUM
ajase-3793	218	10	%	%	NOUN
ajase-3793	218	11	(	(	PUNCT
ajase-3793	218	12	6	6	NUM
ajase-3793	218	13	individuals	individual	NOUN
ajase-3793	218	14	)	)	PUNCT
ajase-3793	218	15	,	,	PUNCT
ajase-3793	218	16	and	and	CCONJ
ajase-3793	218	17	those	those	DET
ajase-3793	218	18	aged	aged	ADJ
ajase-3793	218	19	45	45	NUM
ajase-3793	218	20	-	-	SYM
ajase-3793	218	21	55	55	NUM
ajase-3793	218	22	were	be	AUX
ajase-3793	218	23	the	the	DET
ajase-3793	218	24	least	least	ADJ
ajase-3793	218	25	represented	represent	VERB
ajase-3793	218	26	at	at	ADP
ajase-3793	218	27	7.4	7.4	NUM
ajase-3793	218	28	%	%	NOUN
ajase-3793	218	29	(	(	PUNCT
ajase-3793	218	30	8	8	NUM
ajase-3793	218	31	individuals	individual	NOUN
ajase-3793	218	32	)	)	PUNCT
ajase-3793	218	33	.	.	PUNCT
ajase-3793	219	1	majority	majority	NOUN
ajase-3793	219	2	participants	participant	NOUN
ajase-3793	219	3	were	be	AUX
ajase-3793	219	4	single	single	ADJ
ajase-3793	219	5	(	(	PUNCT
ajase-3793	219	6	50.9	50.9	NUM
ajase-3793	219	7	%	%	NOUN
ajase-3793	219	8	,	,	PUNCT
ajase-3793	219	9	55	55	NUM
ajase-3793	219	10	individuals	individual	NOUN
ajase-3793	219	11	)	)	PUNCT
ajase-3793	219	12	,	,	PUNCT
ajase-3793	219	13	followed	follow	VERB
ajase-3793	219	14	by	by	ADP
ajase-3793	219	15	married	married	ADJ
ajase-3793	219	16	(	(	PUNCT
ajase-3793	219	17	38	38	NUM
ajase-3793	219	18	%	%	NOUN
ajase-3793	219	19	,	,	PUNCT
ajase-3793	219	20	41	41	NUM
ajase-3793	219	21	individuals	individual	NOUN
ajase-3793	219	22	)	)	PUNCT
ajase-3793	219	23	,	,	PUNCT
ajase-3793	219	24	divorced	divorce	VERB
ajase-3793	219	25	(	(	PUNCT
ajase-3793	219	26	10.2	10.2	NUM
ajase-3793	219	27	%	%	NOUN
ajase-3793	219	28	,	,	PUNCT
ajase-3793	219	29	11	11	NUM
ajase-3793	219	30	individuals	individual	NOUN
ajase-3793	219	31	)	)	PUNCT
ajase-3793	219	32	,	,	PUNCT
ajase-3793	219	33	and	and	CCONJ
ajase-3793	219	34	widowed	widow	VERB
ajase-3793	219	35	(	(	PUNCT
ajase-3793	219	36	0.9	0.9	NUM
ajase-3793	219	37	%	%	NOUN
ajase-3793	219	38	,	,	PUNCT
ajase-3793	219	39	1	1	NUM
ajase-3793	219	40	individual	individual	NOUN
ajase-3793	219	41	)	)	PUNCT
ajase-3793	219	42	.	.	PUNCT
ajase-3793	220	1	in	in	ADP
ajase-3793	220	2	terms	term	NOUN
ajase-3793	220	3	of	of	ADP
ajase-3793	220	4	education	education	NOUN
ajase-3793	220	5	,	,	PUNCT
ajase-3793	220	6	the	the	DET
ajase-3793	220	7	largest	large	ADJ
ajase-3793	220	8	group	group	NOUN
ajase-3793	220	9	held	hold	VERB
ajase-3793	220	10	degrees	degree	NOUN
ajase-3793	220	11	(	(	PUNCT
ajase-3793	220	12	58.3	58.3	NUM
ajase-3793	220	13	%	%	NOUN
ajase-3793	220	14	,	,	PUNCT
ajase-3793	220	15	63	63	NUM
ajase-3793	220	16	individuals	individual	NOUN
ajase-3793	220	17	)	)	PUNCT
ajase-3793	220	18	,	,	PUNCT
ajase-3793	220	19	followed	follow	VERB
ajase-3793	220	20	by	by	ADP
ajase-3793	220	21	certificate	certificate	NOUN
ajase-3793	220	22	holders	holder	NOUN
ajase-3793	220	23	(	(	PUNCT
ajase-3793	220	24	18.5	18.5	NUM
ajase-3793	220	25	%	%	NOUN
ajase-3793	220	26	,	,	PUNCT
ajase-3793	220	27	20	20	NUM
ajase-3793	220	28	individuals	individual	NOUN
ajase-3793	220	29	)	)	PUNCT
ajase-3793	220	30	,	,	PUNCT
ajase-3793	220	31	master	master	NOUN
ajase-3793	220	32	’s	’s	PART
ajase-3793	220	33	degree	degree	NOUN
ajase-3793	220	34	holders	holder	NOUN
ajase-3793	220	35	(	(	PUNCT
ajase-3793	220	36	11.1	11.1	NUM
ajase-3793	220	37	%	%	NOUN
ajase-3793	220	38	,	,	PUNCT
ajase-3793	220	39	12	12	NUM
ajase-3793	220	40	individuals	individual	NOUN
ajase-3793	220	41	)	)	PUNCT
ajase-3793	220	42	,	,	PUNCT
ajase-3793	220	43	and	and	CCONJ
ajase-3793	220	44	those	those	PRON
ajase-3793	220	45	with	with	ADP
ajase-3793	220	46	less	less	ADJ
ajase-3793	220	47	than	than	ADP
ajase-3793	220	48	a	a	DET
ajase-3793	220	49	high	high	ADJ
ajase-3793	220	50	school	school	NOUN
ajase-3793	220	51	education	education	NOUN
ajase-3793	220	52	(	(	PUNCT
ajase-3793	220	53	1.9	1.9	NUM
ajase-3793	220	54	%	%	NOUN
ajase-3793	220	55	,	,	PUNCT
ajase-3793	220	56	2	2	NUM
ajase-3793	220	57	individuals	individual	NOUN
ajase-3793	220	58	)	)	PUNCT
ajase-3793	220	59	.	.	PUNCT
ajase-3793	221	1	regarding	regard	VERB
ajase-3793	221	2	employment	employment	NOUN
ajase-3793	221	3	,	,	PUNCT
ajase-3793	221	4	42.6	42.6	NUM
ajase-3793	221	5	%	%	NOUN
ajase-3793	221	6	(	(	PUNCT
ajase-3793	221	7	46	46	NUM
ajase-3793	221	8	individuals	individual	NOUN
ajase-3793	221	9	)	)	PUNCT
ajase-3793	221	10	were	be	AUX
ajase-3793	221	11	unemployed	unemployed	ADJ
ajase-3793	221	12	,	,	PUNCT
ajase-3793	221	13	41.7	41.7	NUM
ajase-3793	221	14	%	%	NOUN
ajase-3793	221	15	(	(	PUNCT
ajase-3793	221	16	45	45	NUM
ajase-3793	221	17	individuals	individual	NOUN
ajase-3793	221	18	)	)	PUNCT
ajase-3793	221	19	worked	work	VERB
ajase-3793	221	20	part	part	ADJ
ajase-3793	221	21	-	-	PUNCT
ajase-3793	221	22	time	time	NOUN
ajase-3793	221	23	,	,	PUNCT
ajase-3793	221	24	10.2	10.2	NUM
ajase-3793	221	25	%	%	NOUN
ajase-3793	221	26	(	(	PUNCT
ajase-3793	221	27	11	11	NUM
ajase-3793	221	28	individuals	individual	NOUN
ajase-3793	221	29	)	)	PUNCT
ajase-3793	221	30	were	be	AUX
ajase-3793	221	31	students	student	NOUN
ajase-3793	221	32	,	,	PUNCT
ajase-3793	221	33	4.6	4.6	NUM
ajase-3793	221	34	%	%	NOUN
ajase-3793	221	35	(	(	PUNCT
ajase-3793	221	36	5	5	NUM
ajase-3793	221	37	individuals	individual	NOUN
ajase-3793	221	38	)	)	PUNCT
ajase-3793	221	39	were	be	AUX
ajase-3793	221	40	full	full	ADJ
ajase-3793	221	41	-	-	PUNCT
ajase-3793	221	42	time	time	NOUN
ajase-3793	221	43	employees	employee	NOUN
ajase-3793	221	44	,	,	PUNCT
ajase-3793	221	45	and	and	CCONJ
ajase-3793	221	46	0.9	0.9	NUM
ajase-3793	221	47	%	%	NOUN
ajase-3793	221	48	(	(	PUNCT
ajase-3793	221	49	1	1	NUM
ajase-3793	221	50	individual	individual	NOUN
ajase-3793	221	51	)	)	PUNCT
ajase-3793	221	52	were	be	AUX
ajase-3793	221	53	retired	retire	VERB
ajase-3793	221	54	.	.	PUNCT
ajase-3793	222	1	correlational	correlational	ADJ
ajase-3793	222	2	analysis	analysis	NOUN
ajase-3793	222	3	table	table	NOUN
ajase-3793	222	4	2	2	NUM
ajase-3793	222	5	reports	report	VERB
ajase-3793	222	6	the	the	DET
ajase-3793	222	7	correlation	correlation	NOUN
ajase-3793	222	8	matrix	matrix	NOUN
ajase-3793	222	9	.	.	PUNCT
ajase-3793	223	1	it	it	PRON
ajase-3793	223	2	provides	provide	VERB
ajase-3793	223	3	insights	insight	NOUN
ajase-3793	223	4	into	into	ADP
ajase-3793	223	5	the	the	DET
ajase-3793	223	6	relationships	relationship	NOUN
ajase-3793	223	7	between	between	ADP
ajase-3793	223	8	financial	financial	ADJ
ajase-3793	223	9	inclusion	inclusion	NOUN
ajase-3793	223	10	and	and	CCONJ
ajase-3793	223	11	the	the	DET
ajase-3793	223	12	independent	independent	ADJ
ajase-3793	223	13	variables	variable	NOUN
ajase-3793	223	14	(	(	PUNCT
ajase-3793	223	15	savings	saving	NOUN
ajase-3793	223	16	,	,	PUNCT
ajase-3793	223	17	access	access	NOUN
ajase-3793	223	18	to	to	ADP
ajase-3793	223	19	credit	credit	NOUN
ajase-3793	223	20	,	,	PUNCT
ajase-3793	223	21	and	and	CCONJ
ajase-3793	223	22	social	social	ADJ
ajase-3793	223	23	capital	capital	NOUN
ajase-3793	223	24	)	)	PUNCT
ajase-3793	223	25	while	while	SCONJ
ajase-3793	223	26	considering	consider	VERB
ajase-3793	223	27	gender	gender	NOUN
ajase-3793	223	28	and	and	CCONJ
ajase-3793	223	29	marital	marital	ADJ
ajase-3793	223	30	status	status	NOUN
ajase-3793	223	31	as	as	ADP
ajase-3793	223	32	control	control	NOUN
ajase-3793	223	33	variables	variable	NOUN
ajase-3793	223	34	.	.	PUNCT
ajase-3793	224	1	table	table	NOUN
ajase-3793	224	2	2	2	NUM
ajase-3793	224	3	:	:	PUNCT
ajase-3793	224	4	correlation	correlation	NOUN
ajase-3793	224	5	matrix	matrix	NOUN
ajase-3793	224	6	mean	mean	VERB
ajase-3793	224	7	standard	standard	ADJ
ajase-3793	224	8	deviation	deviation	NOUN
ajase-3793	224	9	1	1	NUM
ajase-3793	224	10	2	2	NUM
ajase-3793	224	11	3	3	NUM
ajase-3793	224	12	4	4	NUM
ajase-3793	224	13	5	5	NUM
ajase-3793	224	14	6	6	NUM
ajase-3793	224	15	1	1	NUM
ajase-3793	224	16	.	.	PUNCT
ajase-3793	225	1	financial	financial	ADJ
ajase-3793	225	2	inclusion	inclusion	NOUN
ajase-3793	225	3	4.288	4.288	NUM
ajase-3793	225	4	0.56	0.56	NUM
ajase-3793	225	5	-0.008	-0.008	NOUN
ajase-3793	225	6	2	2	X
ajase-3793	225	7	.	.	PUNCT
ajase-3793	225	8	gender	gender	NOUN
ajase-3793	225	9	1.74	1.74	NUM
ajase-3793	225	10	0.44	0.44	NUM
ajase-3793	225	11	0.043	0.043	NUM
ajase-3793	225	12	3	3	NUM
ajase-3793	225	13	.	.	PUNCT
ajase-3793	225	14	marital	marital	ADJ
ajase-3793	225	15	status	status	NOUN
ajase-3793	225	16	1.61	1.61	NUM
ajase-3793	225	17	0.71	0.71	NUM
ajase-3793	225	18	0.614	0.614	NUM
ajase-3793	225	19	-0.21	-0.21	NOUN
ajase-3793	225	20	*	*	SYM
ajase-3793	225	21	4	4	NUM
ajase-3793	225	22	.	.	PUNCT
ajase-3793	225	23	savings	saving	NOUN
ajase-3793	225	24	4.33	4.33	NUM
ajase-3793	225	25	0.56	0.56	NUM
ajase-3793	225	26	0.64	0.64	NUM
ajase-3793	225	27	*	*	PUNCT
ajase-3793	225	28	*	*	NOUN
ajase-3793	225	29	0.133	0.133	NUM
ajase-3793	225	30	-0.132	-0.132	NUM
ajase-3793	225	31	5	5	NUM
ajase-3793	225	32	.	.	PUNCT
ajase-3793	225	33	access	access	NOUN
ajase-3793	225	34	to	to	ADP
ajase-3793	225	35	credit	credit	NOUN
ajase-3793	225	36	4.36	4.36	NUM
ajase-3793	225	37	0.49	0.49	NUM
ajase-3793	225	38	0.69	0.69	NUM
ajase-3793	225	39	*	*	PUNCT
ajase-3793	225	40	*	*	PUNCT
ajase-3793	225	41	0.143	0.143	NUM
ajase-3793	225	42	-0.21	-0.21	NOUN
ajase-3793	225	43	*	*	PUNCT
ajase-3793	225	44	0.65	0.65	NUM
ajase-3793	225	45	*	*	PUNCT
ajase-3793	225	46	*	*	PROPN
ajase-3793	225	47	6	6	NUM
ajase-3793	225	48	.	.	PUNCT
ajase-3793	225	49	social	social	ADJ
ajase-3793	225	50	capital	capital	NOUN
ajase-3793	225	51	4.41	4.41	NUM
ajase-3793	225	52	0.53	0.53	NUM
ajase-3793	225	53	0.53	0.53	NUM
ajase-3793	225	54	*	*	PUNCT
ajase-3793	225	55	*	*	PUNCT
ajase-3793	225	56	-0.086	-0.086	PUNCT
ajase-3793	225	57	-0.071	-0.071	PUNCT
ajase-3793	225	58	0.511	0.511	NUM
ajase-3793	225	59	*	*	PUNCT
ajase-3793	225	60	*	*	PUNCT
ajase-3793	226	1	0.61	0.61	NUM
ajase-3793	226	2	*	*	PUNCT
ajase-3793	226	3	*	*	PUNCT
ajase-3793	226	4	note	note	NOUN
ajase-3793	226	5	:	:	PUNCT
ajase-3793	226	6	*	*	PUNCT
ajase-3793	226	7	and	and	CCONJ
ajase-3793	226	8	*	*	PUNCT
ajase-3793	226	9	*	*	PUNCT
ajase-3793	226	10	denote	denote	VERB
ajase-3793	226	11	that	that	SCONJ
ajase-3793	226	12	the	the	DET
ajase-3793	226	13	correlation	correlation	NOUN
ajase-3793	226	14	is	be	AUX
ajase-3793	226	15	statistically	statistically	ADV
ajase-3793	226	16	significant	significant	ADJ
ajase-3793	226	17	at	at	ADP
ajase-3793	226	18	0.05	0.05	NUM
ajase-3793	226	19	and	and	CCONJ
ajase-3793	226	20	0.01	0.01	NUM
ajase-3793	226	21	,	,	PUNCT
ajase-3793	226	22	respectively	respectively	ADV
ajase-3793	226	23	(	(	PUNCT
ajase-3793	226	24	2	2	NUM
ajase-3793	226	25	-	-	PUNCT
ajase-3793	226	26	tailed	tailed	ADJ
ajase-3793	226	27	)	)	PUNCT
ajase-3793	226	28	.	.	PUNCT
ajase-3793	227	1	in	in	ADP
ajase-3793	227	2	terms	term	NOUN
ajase-3793	227	3	of	of	ADP
ajase-3793	227	4	the	the	DET
ajase-3793	227	5	correlation	correlation	NOUN
ajase-3793	227	6	of	of	ADP
ajase-3793	227	7	the	the	DET
ajase-3793	227	8	control	control	NOUN
ajase-3793	227	9	variables	variable	NOUN
ajase-3793	227	10	,	,	PUNCT
ajase-3793	227	11	gender	gender	NOUN
ajase-3793	227	12	has	have	VERB
ajase-3793	227	13	a	a	DET
ajase-3793	227	14	very	very	ADV
ajase-3793	227	15	weak	weak	ADJ
ajase-3793	227	16	and	and	CCONJ
ajase-3793	227	17	non	non	ADJ
ajase-3793	227	18	-	-	ADJ
ajase-3793	227	19	significant	significant	ADJ
ajase-3793	227	20	negative	negative	ADJ
ajase-3793	227	21	correlation	correlation	NOUN
ajase-3793	227	22	with	with	ADP
ajase-3793	227	23	financial	financial	ADJ
ajase-3793	227	24	inclusion	inclusion	NOUN
ajase-3793	227	25	(	(	PUNCT
ajase-3793	227	26	r	r	NOUN
ajase-3793	227	27	=	=	SYM
ajase-3793	227	28	-0.008	-0.008	NOUN
ajase-3793	227	29	)	)	PUNCT
ajase-3793	227	30	.	.	PUNCT
ajase-3793	228	1	marital	marital	ADJ
ajase-3793	228	2	status	status	NOUN
ajase-3793	228	3	shows	show	VERB
ajase-3793	228	4	a	a	DET
ajase-3793	228	5	weak	weak	ADJ
ajase-3793	228	6	positive	positive	ADJ
ajase-3793	228	7	correlation	correlation	NOUN
ajase-3793	228	8	with	with	ADP
ajase-3793	228	9	financial	financial	ADJ
ajase-3793	228	10	inclusion	inclusion	NOUN
ajase-3793	228	11	(	(	PUNCT
ajase-3793	228	12	r	r	NOUN
ajase-3793	228	13	=	=	SYM
ajase-3793	228	14	0.043	0.043	NUM
ajase-3793	228	15	)	)	PUNCT
ajase-3793	228	16	,	,	PUNCT
ajase-3793	228	17	which	which	PRON
ajase-3793	228	18	is	be	AUX
ajase-3793	228	19	not	not	PART
ajase-3793	228	20	statistically	statistically	ADV
ajase-3793	228	21	significant	significant	ADJ
ajase-3793	228	22	.	.	PUNCT
ajase-3793	229	1	the	the	DET
ajase-3793	229	2	correlation	correlation	NOUN
ajase-3793	229	3	between	between	ADP
ajase-3793	229	4	savings	saving	NOUN
ajase-3793	229	5	and	and	CCONJ
ajase-3793	229	6	financial	financial	ADJ
ajase-3793	229	7	inclusion	inclusion	NOUN
ajase-3793	229	8	is	be	AUX
ajase-3793	229	9	positive	positive	ADJ
ajase-3793	229	10	and	and	CCONJ
ajase-3793	229	11	significant	significant	ADJ
ajase-3793	229	12	(	(	PUNCT
ajase-3793	229	13	r=0.614	r=0.614	X
ajase-3793	229	14	*	*	NOUN
ajase-3793	229	15	*	*	NOUN
ajase-3793	229	16	,	,	PUNCT
ajase-3793	229	17	p<0.01	p<0.01	PROPN
ajase-3793	229	18	)	)	PUNCT
ajase-3793	229	19	.	.	PUNCT
ajase-3793	230	1	this	this	PRON
ajase-3793	230	2	suggests	suggest	VERB
ajase-3793	230	3	that	that	SCONJ
ajase-3793	230	4	higher	high	ADJ
ajase-3793	230	5	savings	saving	NOUN
ajase-3793	230	6	are	be	AUX
ajase-3793	230	7	associated	associate	VERB
ajase-3793	230	8	with	with	ADP
ajase-3793	230	9	greater	great	ADJ
ajase-3793	230	10	financial	financial	ADJ
ajase-3793	230	11	inclusion	inclusion	NOUN
ajase-3793	230	12	.	.	PUNCT
ajase-3793	231	1	participants	participant	NOUN
ajase-3793	231	2	who	who	PRON
ajase-3793	231	3	have	have	VERB
ajase-3793	231	4	higher	high	ADJ
ajase-3793	231	5	levels	level	NOUN
ajase-3793	231	6	of	of	ADP
ajase-3793	231	7	savings	saving	NOUN
ajase-3793	231	8	are	be	AUX
ajase-3793	231	9	more	more	ADV
ajase-3793	231	10	likely	likely	ADJ
ajase-3793	231	11	to	to	PART
ajase-3793	231	12	experience	experience	VERB
ajase-3793	231	13	enhanced	enhance	VERB
ajase-3793	231	14	financial	financial	ADJ
ajase-3793	231	15	inclusion	inclusion	NOUN
ajase-3793	231	16	,	,	PUNCT
ajase-3793	231	17	indicating	indicate	VERB
ajase-3793	231	18	that	that	SCONJ
ajase-3793	231	19	savings	saving	NOUN
ajase-3793	231	20	play	play	VERB
ajase-3793	231	21	a	a	DET
ajase-3793	231	22	crucial	crucial	ADJ
ajase-3793	231	23	role	role	NOUN
ajase-3793	231	24	in	in	ADP
ajase-3793	231	25	accessing	access	VERB
ajase-3793	231	26	financial	financial	ADJ
ajase-3793	231	27	services	service	NOUN
ajase-3793	231	28	and	and	CCONJ
ajase-3793	231	29	opportunities	opportunity	NOUN
ajase-3793	231	30	.	.	PUNCT
ajase-3793	232	1	access	access	NOUN
ajase-3793	232	2	to	to	ADP
ajase-3793	232	3	credit	credit	NOUN
ajase-3793	232	4	also	also	ADV
ajase-3793	232	5	shows	show	VERB
ajase-3793	232	6	a	a	DET
ajase-3793	232	7	strong	strong	ADJ
ajase-3793	232	8	positive	positive	ADJ
ajase-3793	232	9	correlation	correlation	NOUN
ajase-3793	232	10	with	with	ADP
ajase-3793	232	11	financial	financial	ADJ
ajase-3793	232	12	inclusion	inclusion	NOUN
ajase-3793	232	13	(	(	PUNCT
ajase-3793	232	14	r=0.640	r=0.640	NOUN
ajase-3793	232	15	,	,	PUNCT
ajase-3793	232	16	p<0.01	p<0.01	PROPN
ajase-3793	232	17	)	)	PUNCT
ajase-3793	232	18	.	.	PUNCT
ajase-3793	233	1	this	this	PRON
ajase-3793	233	2	indicates	indicate	VERB
ajase-3793	233	3	that	that	SCONJ
ajase-3793	233	4	individuals	individual	NOUN
ajase-3793	233	5	with	with	ADP
ajase-3793	233	6	better	well	ADJ
ajase-3793	233	7	access	access	NOUN
ajase-3793	233	8	to	to	ADP
ajase-3793	233	9	credit	credit	NOUN
ajase-3793	233	10	are	be	AUX
ajase-3793	233	11	more	more	ADV
ajase-3793	233	12	financially	financially	ADV
ajase-3793	233	13	included	include	VERB
ajase-3793	233	14	.	.	PUNCT
ajase-3793	234	1	this	this	DET
ajase-3793	234	2	relationship	relationship	NOUN
ajase-3793	234	3	highlights	highlight	VERB
ajase-3793	234	4	the	the	DET
ajase-3793	234	5	importance	importance	NOUN
ajase-3793	234	6	of	of	ADP
ajase-3793	234	7	credit	credit	NOUN
ajase-3793	234	8	availability	availability	NOUN
ajase-3793	234	9	in	in	ADP
ajase-3793	234	10	enabling	enable	VERB
ajase-3793	234	11	individuals	individual	NOUN
ajase-3793	234	12	to	to	PART
ajase-3793	234	13	participate	participate	VERB
ajase-3793	234	14	more	more	ADV
ajase-3793	234	15	fully	fully	ADV
ajase-3793	234	16	in	in	ADP
ajase-3793	234	17	the	the	DET
ajase-3793	234	18	financial	financial	ADJ
ajase-3793	234	19	system	system	NOUN
ajase-3793	234	20	,	,	PUNCT
ajase-3793	234	21	likely	likely	ADV
ajase-3793	234	22	by	by	ADP
ajase-3793	234	23	providing	provide	VERB
ajase-3793	234	24	resources	resource	NOUN
ajase-3793	234	25	for	for	ADP
ajase-3793	234	26	investment	investment	NOUN
ajase-3793	234	27	and	and	CCONJ
ajase-3793	234	28	economic	economic	ADJ
ajase-3793	234	29	activities	activity	NOUN
ajase-3793	234	30	.	.	PUNCT
ajase-3793	235	1	social	social	ADJ
ajase-3793	235	2	capital	capital	NOUN
ajase-3793	235	3	has	have	VERB
ajase-3793	235	4	the	the	DET
ajase-3793	235	5	highest	high	ADJ
ajase-3793	235	6	positive	positive	ADJ
ajase-3793	235	7	correlation	correlation	NOUN
ajase-3793	235	8	with	with	ADP
ajase-3793	235	9	financial	financial	ADJ
ajase-3793	235	10	inclusion	inclusion	NOUN
ajase-3793	235	11	(	(	PUNCT
ajase-3793	235	12	r	r	NOUN
ajase-3793	235	13	=	=	NOUN
ajase-3793	235	14	0.693	0.693	NUM
ajase-3793	235	15	,	,	PUNCT
ajase-3793	235	16	p	p	X
ajase-3793	235	17	<	<	X
ajase-3793	235	18	0.01	0.01	NUM
ajase-3793	235	19	)	)	PUNCT
ajase-3793	235	20	.	.	PUNCT
ajase-3793	236	1	this	this	DET
ajase-3793	236	2	significant	significant	ADJ
ajase-3793	236	3	relationship	relationship	NOUN
ajase-3793	236	4	underscores	underscore	VERB
ajase-3793	236	5	the	the	DET
ajase-3793	236	6	critical	critical	ADJ
ajase-3793	236	7	role	role	NOUN
ajase-3793	236	8	of	of	ADP
ajase-3793	236	9	social	social	ADJ
ajase-3793	236	10	networks	network	NOUN
ajase-3793	236	11	and	and	CCONJ
ajase-3793	236	12	community	community	NOUN
ajase-3793	236	13	connections	connection	NOUN
ajase-3793	236	14	in	in	ADP
ajase-3793	236	15	promoting	promote	VERB
ajase-3793	236	16	financial	financial	ADJ
ajase-3793	236	17	inclusion	inclusion	NOUN
ajase-3793	236	18	.	.	PUNCT
ajase-3793	237	1	strong	strong	ADJ
ajase-3793	237	2	social	social	ADJ
ajase-3793	237	3	capital	capital	NOUN
ajase-3793	237	4	can	can	AUX
ajase-3793	237	5	facilitate	facilitate	VERB
ajase-3793	237	6	trust	trust	NOUN
ajase-3793	237	7	,	,	PUNCT
ajase-3793	237	8	information	information	NOUN
ajase-3793	237	9	sharing	sharing	NOUN
ajase-3793	237	10	,	,	PUNCT
ajase-3793	237	11	and	and	CCONJ
ajase-3793	237	12	collective	collective	ADJ
ajase-3793	237	13	action	action	NOUN
ajase-3793	237	14	,	,	PUNCT
ajase-3793	237	15	which	which	PRON
ajase-3793	237	16	are	be	AUX
ajase-3793	237	17	essential	essential	ADJ
ajase-3793	237	18	for	for	ADP
ajase-3793	237	19	accessing	access	VERB
ajase-3793	237	20	and	and	CCONJ
ajase-3793	237	21	utilizing	utilize	VERB
ajase-3793	237	22	financial	financial	ADJ
ajase-3793	237	23	services	service	NOUN
ajase-3793	237	24	.	.	PUNCT
ajase-3793	238	1	regression	regression	VERB
ajase-3793	238	2	analysis	analysis	NOUN
ajase-3793	238	3	a	a	DET
ajase-3793	238	4	series	series	NOUN
ajase-3793	238	5	of	of	ADP
ajase-3793	238	6	regression	regression	NOUN
ajase-3793	238	7	models	model	NOUN
ajase-3793	238	8	were	be	AUX
ajase-3793	238	9	constructed	construct	VERB
ajase-3793	238	10	to	to	PART
ajase-3793	238	11	examine	examine	VERB
ajase-3793	238	12	various	various	ADJ
ajase-3793	238	13	predictors	predictor	NOUN
ajase-3793	238	14	,	,	PUNCT
ajase-3793	238	15	including	include	VERB
ajase-3793	238	16	gender	gender	NOUN
ajase-3793	238	17	,	,	PUNCT
ajase-3793	238	18	age	age	NOUN
ajase-3793	238	19	group	group	NOUN
ajase-3793	238	20	,	,	PUNCT
ajase-3793	238	21	savings	saving	NOUN
ajase-3793	238	22	,	,	PUNCT
ajase-3793	238	23	access	access	NOUN
ajase-3793	238	24	to	to	ADP
ajase-3793	238	25	credit	credit	NOUN
ajase-3793	238	26	,	,	PUNCT
ajase-3793	238	27	and	and	CCONJ
ajase-3793	238	28	social	social	ADJ
ajase-3793	238	29	capital	capital	NOUN
ajase-3793	238	30	.	.	PUNCT
ajase-3793	239	1	the	the	DET
ajase-3793	239	2	models	model	NOUN
ajase-3793	239	3	pa	pa	PROPN
ajase-3793	239	4	ge	ge	PROPN
ajase-3793	239	5	16	16	NUM
ajase-3793	239	6	1	1	NUM
ajase-3793	239	7	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	239	8	am	am	NOUN
ajase-3793	239	9	.	.	PUNCT
ajase-3793	240	1	j.	j.	PROPN
ajase-3793	240	2	appl	appl	PROPN
ajase-3793	240	3	.	.	PROPN
ajase-3793	241	1	stat	stat	PROPN
ajase-3793	241	2	.	.	PUNCT
ajase-3793	242	1	econ	econ	PROPN
ajase-3793	242	2	.	.	PUNCT
ajase-3793	243	1	3(1	3(1	NUM
ajase-3793	243	2	)	)	PUNCT
ajase-3793	243	3	154	154	NUM
ajase-3793	243	4	-	-	SYM
ajase-3793	243	5	166	166	NUM
ajase-3793	243	6	,	,	PUNCT
ajase-3793	243	7	2024	2024	NUM
ajase-3793	243	8	are	be	AUX
ajase-3793	243	9	progressively	progressively	ADV
ajase-3793	243	10	added	add	VERB
ajase-3793	243	11	,	,	PUNCT
ajase-3793	243	12	with	with	ADP
ajase-3793	243	13	each	each	DET
ajase-3793	243	14	additional	additional	ADJ
ajase-3793	243	15	predictor	predictor	NOUN
ajase-3793	243	16	contributing	contribute	VERB
ajase-3793	243	17	to	to	ADP
ajase-3793	243	18	the	the	DET
ajase-3793	243	19	explanatory	explanatory	ADJ
ajase-3793	243	20	power	power	NOUN
ajase-3793	243	21	of	of	ADP
ajase-3793	243	22	the	the	DET
ajase-3793	243	23	regression	regression	NOUN
ajase-3793	243	24	.	.	PUNCT
ajase-3793	244	1	table	table	NOUN
ajase-3793	244	2	3	3	NUM
ajase-3793	244	3	reports	report	VERB
ajase-3793	244	4	the	the	DET
ajase-3793	244	5	overall	overall	ADJ
ajase-3793	244	6	regression	regression	NOUN
ajase-3793	244	7	outcomes	outcome	NOUN
ajase-3793	244	8	of	of	ADP
ajase-3793	244	9	the	the	DET
ajase-3793	244	10	four	four	NUM
ajase-3793	244	11	(	(	PUNCT
ajase-3793	244	12	4	4	NUM
ajase-3793	244	13	)	)	PUNCT
ajase-3793	244	14	models	model	NOUN
ajase-3793	244	15	.	.	PUNCT
ajase-3793	245	1	table	table	NOUN
ajase-3793	245	2	3	3	NUM
ajase-3793	245	3	:	:	PUNCT
ajase-3793	245	4	additive	additive	ADJ
ajase-3793	245	5	regression	regression	NOUN
ajase-3793	245	6	outcomes	outcome	NOUN
ajase-3793	245	7	control	control	VERB
ajase-3793	245	8	variables	variable	NOUN
ajase-3793	245	9	model	model	VERB
ajase-3793	245	10	1	1	NUM
ajase-3793	245	11	model	model	NOUN
ajase-3793	245	12	2	2	NUM
ajase-3793	245	13	model	model	NOUN
ajase-3793	245	14	3	3	NUM
ajase-3793	245	15	model	model	NOUN
ajase-3793	245	16	4	4	NUM
ajase-3793	245	17	vif	vif	PROPN
ajase-3793	245	18	beta	beta	PROPN
ajase-3793	245	19	se	se	PROPN
ajase-3793	245	20	beta	beta	PROPN
ajase-3793	245	21	se	se	PROPN
ajase-3793	245	22	beta	beta	PROPN
ajase-3793	245	23	se	se	PROPN
ajase-3793	245	24	beta	beta	PROPN
ajase-3793	245	25	se	se	PROPN
ajase-3793	245	26	1.112	1.112	NUM
ajase-3793	245	27	gender	gender	NOUN
ajase-3793	245	28	marital	marital	ADJ
ajase-3793	245	29	status	status	NOUN
ajase-3793	245	30	savings	saving	NOUN
ajase-3793	245	31	access	access	NOUN
ajase-3793	245	32	to	to	ADP
ajase-3793	245	33	credit	credit	NOUN
ajase-3793	245	34	social	social	ADJ
ajase-3793	245	35	capital	capital	NOUN
ajase-3793	245	36	0.001	0.001	NUM
ajase-3793	245	37	0.126	0.126	NUM
ajase-3793	245	38	-0.088	-0.088	NUM
ajase-3793	245	39	0.099	0.099	NUM
ajase-3793	245	40	-0.102	-0.102	VERB
ajase-3793	245	41	*	*	PUNCT
ajase-3793	245	42	0.089	0.089	NUM
ajase-3793	245	43	-0.009	-0.009	X
ajase-3793	245	44	*	*	NOUN
ajase-3793	245	45	0.082	0.082	NUM
ajase-3793	245	46	1.083	1.083	NUM
ajase-3793	245	47	0.034	0.034	NUM
ajase-3793	245	48	0.078	0.078	NUM
ajase-3793	245	49	0.088	0.088	NUM
ajase-3793	245	50	0.063	0.063	NUM
ajase-3793	245	51	0.13	0.13	NUM
ajase-3793	245	52	*	*	PUNCT
ajase-3793	245	53	*	*	PUNCT
ajase-3793	245	54	*	*	PUNCT
ajase-3793	245	55	0.056	0.056	NUM
ajase-3793	245	56	0.124	0.124	NUM
ajase-3793	245	57	*	*	PUNCT
ajase-3793	245	58	*	*	PUNCT
ajase-3793	245	59	0.05	0.05	NUM
ajase-3793	245	60	1.829	1.829	NUM
ajase-3793	245	61	0.633	0.633	NUM
ajase-3793	245	62	*	*	PUNCT
ajase-3793	245	63	*	*	PUNCT
ajase-3793	245	64	*	*	PUNCT
ajase-3793	245	65	0.077	0.077	NUM
ajase-3793	245	66	0.35	0.35	NUM
ajase-3793	245	67	*	*	PUNCT
ajase-3793	245	68	*	*	PUNCT
ajase-3793	245	69	*	*	NOUN
ajase-3793	245	70	0.090	0.090	NUM
ajase-3793	245	71	0.255	0.255	NUM
ajase-3793	245	72	*	*	PUNCT
ajase-3793	245	73	*	*	PUNCT
ajase-3793	245	74	0.082	0.082	NUM
ajase-3793	245	75	2.212	2.212	NUM
ajase-3793	245	76	0.103	0.103	NUM
ajase-3793	245	77	0.281	0.281	NUM
ajase-3793	245	78	*	*	PUNCT
ajase-3793	245	79	*	*	PUNCT
ajase-3793	245	80	*	*	PUNCT
ajase-3793	245	81	0.102	0.102	NUM
ajase-3793	245	82	1.731	1.731	NUM
ajase-3793	245	83	0.443	0.443	NUM
ajase-3793	245	84	*	*	PUNCT
ajase-3793	245	85	0.085	0.085	NUM
ajase-3793	245	86	f	f	PROPN
ajase-3793	245	87	0.096	0.096	NUM
ajase-3793	245	88	22.82	22.82	NUM
ajase-3793	245	89	*	*	PUNCT
ajase-3793	245	90	*	*	PUNCT
ajase-3793	245	91	*	*	PUNCT
ajase-3793	245	92	27.248	27.248	NUM
ajase-3793	245	93	*	*	PUNCT
ajase-3793	245	94	*	*	PUNCT
ajase-3793	245	95	*	*	PUNCT
ajase-3793	245	96	2.704	2.704	NUM
ajase-3793	245	97	*	*	PUNCT
ajase-3793	245	98	*	*	PUNCT
ajase-3793	245	99	*	*	PUNCT
ajase-3793	245	100	f	f	X
ajase-3793	245	101	change	change	VERB
ajase-3793	245	102	0.096	0.096	NUM
ajase-3793	245	103	68.15	68.15	NUM
ajase-3793	246	1	24.833	24.833	NUM
ajase-3793	246	2	27.008	27.008	NUM
ajase-3793	246	3	r	r	NOUN
ajase-3793	246	4	0.043	0.043	NUM
ajase-3793	246	5	0.63	0.63	NUM
ajase-3793	246	6	0.717	0.717	NUM
ajase-3793	246	7	0.785	0.785	NUM
ajase-3793	246	8	r2	r2	NOUN
ajase-3793	246	9	0.002	0.002	NUM
ajase-3793	246	10	0.39	0.39	NUM
ajase-3793	246	11	0.514	0.514	NUM
ajase-3793	246	12	0.616	0.616	NUM
ajase-3793	246	13	adj	adj	PROPN
ajase-3793	246	14	r2	r2	PROPN
ajase-3793	246	15	-0.017	-0.017	ADP
ajase-3793	246	16	0.37	0.37	NUM
ajase-3793	246	17	0.117	0.117	NUM
ajase-3793	246	18	0.597	0.597	NUM
ajase-3793	246	19	r2	r2	NOUN
ajase-3793	246	20	change	change	NOUN
ajase-3793	246	21	0.002	0.002	NUM
ajase-3793	246	22	0.36	0.36	NUM
ajase-3793	246	23	0.102	0.102	NUM
ajase-3793	246	24	notes	note	NOUN
ajase-3793	246	25	:	:	PUNCT
ajase-3793	246	26	vif	vif	PROPN
ajase-3793	246	27	denotes	denote	NOUN
ajase-3793	246	28	variance	variance	VERB
ajase-3793	246	29	inflation	inflation	NOUN
ajase-3793	246	30	factor	factor	NOUN
ajase-3793	246	31	,	,	PUNCT
ajase-3793	246	32	*	*	PUNCT
ajase-3793	246	33	,	,	PUNCT
ajase-3793	246	34	*	*	PUNCT
ajase-3793	246	35	*	*	PUNCT
ajase-3793	246	36	and	and	CCONJ
ajase-3793	246	37	*	*	PUNCT
ajase-3793	246	38	*	*	PUNCT
ajase-3793	246	39	*	*	PUNCT
ajase-3793	246	40	denote	denote	VERB
ajase-3793	246	41	statistically	statistically	ADJ
ajase-3793	246	42	significance	significance	NOUN
ajase-3793	246	43	at	at	ADP
ajase-3793	246	44	5	5	NUM
ajase-3793	246	45	%	%	NOUN
ajase-3793	246	46	,	,	PUNCT
ajase-3793	246	47	1	1	NUM
ajase-3793	246	48	%	%	NOUN
ajase-3793	246	49	&	&	CCONJ
ajase-3793	246	50	0.1	0.1	NUM
ajase-3793	246	51	%	%	NOUN
ajase-3793	246	52	respectively	respectively	ADV
ajase-3793	246	53	financial	financial	ADJ
ajase-3793	246	54	inclusion	inclusion	NOUN
ajase-3793	246	55	was	be	AUX
ajase-3793	246	56	taken	take	VERB
ajase-3793	246	57	as	as	ADP
ajase-3793	246	58	the	the	DET
ajase-3793	246	59	dependent	dependent	ADJ
ajase-3793	246	60	variable	variable	NOUN
ajase-3793	246	61	across	across	ADP
ajase-3793	246	62	the	the	DET
ajase-3793	246	63	four	four	NUM
ajase-3793	246	64	models	model	NOUN
ajase-3793	246	65	.	.	PUNCT
ajase-3793	247	1	the	the	DET
ajase-3793	247	2	regression	regression	NOUN
ajase-3793	247	3	examined	examine	VERB
ajase-3793	247	4	the	the	DET
ajase-3793	247	5	impact	impact	NOUN
ajase-3793	247	6	of	of	ADP
ajase-3793	247	7	savings	saving	NOUN
ajase-3793	247	8	,	,	PUNCT
ajase-3793	247	9	access	access	NOUN
ajase-3793	247	10	to	to	ADP
ajase-3793	247	11	credit	credit	NOUN
ajase-3793	247	12	,	,	PUNCT
ajase-3793	247	13	and	and	CCONJ
ajase-3793	247	14	social	social	ADJ
ajase-3793	247	15	capital	capital	NOUN
ajase-3793	247	16	on	on	ADP
ajase-3793	247	17	financial	financial	ADJ
ajase-3793	247	18	inclusion	inclusion	NOUN
ajase-3793	247	19	,	,	PUNCT
ajase-3793	247	20	with	with	ADP
ajase-3793	247	21	gender	gender	NOUN
ajase-3793	247	22	and	and	CCONJ
ajase-3793	247	23	marital	marital	ADJ
ajase-3793	247	24	status	status	NOUN
ajase-3793	247	25	as	as	ADP
ajase-3793	247	26	control	control	NOUN
ajase-3793	247	27	variables	variable	NOUN
ajase-3793	247	28	.	.	PUNCT
ajase-3793	248	1	regressions	regression	NOUN
ajase-3793	248	2	in	in	ADP
ajase-3793	248	3	model	model	NOUN
ajase-3793	248	4	1	1	NUM
ajase-3793	248	5	regressed	regress	VERB
ajase-3793	248	6	only	only	ADV
ajase-3793	248	7	control	control	NOUN
ajase-3793	248	8	variables	variable	NOUN
ajase-3793	248	9	.	.	PUNCT
ajase-3793	249	1	the	the	DET
ajase-3793	249	2	beta	beta	ADJ
ajase-3793	249	3	coefficient	coefficient	NOUN
ajase-3793	249	4	for	for	ADP
ajase-3793	249	5	gender	gender	NOUN
ajase-3793	249	6	is	be	AUX
ajase-3793	249	7	0.001	0.001	NUM
ajase-3793	249	8	,	,	PUNCT
ajase-3793	249	9	which	which	PRON
ajase-3793	249	10	is	be	AUX
ajase-3793	249	11	positive	positive	ADJ
ajase-3793	249	12	but	but	CCONJ
ajase-3793	249	13	not	not	PART
ajase-3793	249	14	significant	significant	ADJ
ajase-3793	249	15	,	,	PUNCT
ajase-3793	249	16	indicating	indicate	VERB
ajase-3793	249	17	that	that	SCONJ
ajase-3793	249	18	gender	gender	NOUN
ajase-3793	249	19	alone	alone	ADV
ajase-3793	249	20	does	do	AUX
ajase-3793	249	21	not	not	PART
ajase-3793	249	22	significantly	significantly	ADV
ajase-3793	249	23	influence	influence	VERB
ajase-3793	249	24	financial	financial	ADJ
ajase-3793	249	25	inclusion	inclusion	NOUN
ajase-3793	249	26	.	.	PUNCT
ajase-3793	250	1	the	the	DET
ajase-3793	250	2	beta	beta	ADJ
ajase-3793	250	3	coefficient	coefficient	NOUN
ajase-3793	250	4	for	for	ADP
ajase-3793	250	5	marital	marital	ADJ
ajase-3793	250	6	status	status	NOUN
ajase-3793	250	7	is	be	AUX
ajase-3793	250	8	0.034	0.034	NUM
ajase-3793	250	9	,	,	PUNCT
ajase-3793	250	10	which	which	PRON
ajase-3793	250	11	is	be	AUX
ajase-3793	250	12	positive	positive	ADJ
ajase-3793	250	13	but	but	CCONJ
ajase-3793	250	14	also	also	ADV
ajase-3793	250	15	not	not	PART
ajase-3793	250	16	statistically	statistically	ADV
ajase-3793	250	17	significant	significant	ADJ
ajase-3793	250	18	.	.	PUNCT
ajase-3793	251	1	this	this	PRON
ajase-3793	251	2	suggests	suggest	VERB
ajase-3793	251	3	that	that	SCONJ
ajase-3793	251	4	marital	marital	ADJ
ajase-3793	251	5	status	status	NOUN
ajase-3793	251	6	alone	alone	ADV
ajase-3793	251	7	does	do	AUX
ajase-3793	251	8	not	not	PART
ajase-3793	251	9	significantly	significantly	ADV
ajase-3793	251	10	impact	impact	VERB
ajase-3793	251	11	financial	financial	ADJ
ajase-3793	251	12	inclusion	inclusion	NOUN
ajase-3793	251	13	.	.	PUNCT
ajase-3793	252	1	in	in	ADP
ajase-3793	252	2	model	model	NOUN
ajase-3793	252	3	2	2	NUM
ajase-3793	252	4	,	,	PUNCT
ajase-3793	252	5	saving	save	VERB
ajase-3793	252	6	was	be	AUX
ajase-3793	252	7	added	add	VERB
ajase-3793	252	8	as	as	ADP
ajase-3793	252	9	an	an	DET
ajase-3793	252	10	independent	independent	ADJ
ajase-3793	252	11	variable	variable	NOUN
ajase-3793	252	12	.	.	PUNCT
ajase-3793	253	1	the	the	DET
ajase-3793	253	2	beta	beta	ADJ
ajase-3793	253	3	coefficient	coefficient	NOUN
ajase-3793	253	4	is	be	AUX
ajase-3793	253	5	positive	positive	ADJ
ajase-3793	253	6	(	(	PUNCT
ajase-3793	253	7	0.633	0.633	NUM
ajase-3793	253	8	)	)	PUNCT
ajase-3793	253	9	and	and	CCONJ
ajase-3793	253	10	significant	significant	ADJ
ajase-3793	253	11	,	,	PUNCT
ajase-3793	253	12	indicating	indicate	VERB
ajase-3793	253	13	that	that	SCONJ
ajase-3793	253	14	savings	saving	NOUN
ajase-3793	253	15	have	have	VERB
ajase-3793	253	16	a	a	DET
ajase-3793	253	17	significant	significant	ADJ
ajase-3793	253	18	positive	positive	ADJ
ajase-3793	253	19	impact	impact	NOUN
ajase-3793	253	20	on	on	ADP
ajase-3793	253	21	financial	financial	ADJ
ajase-3793	253	22	inclusion	inclusion	NOUN
ajase-3793	253	23	.	.	PUNCT
ajase-3793	254	1	this	this	PRON
ajase-3793	254	2	suggests	suggest	VERB
ajase-3793	254	3	that	that	SCONJ
ajase-3793	254	4	increasing	increase	VERB
ajase-3793	254	5	savings	saving	NOUN
ajase-3793	254	6	by	by	ADP
ajase-3793	254	7	1	1	NUM
ajase-3793	254	8	%	%	NOUN
ajase-3793	254	9	causes	cause	VERB
ajase-3793	254	10	a	a	DET
ajase-3793	254	11	positive	positive	ADJ
ajase-3793	254	12	increase	increase	NOUN
ajase-3793	254	13	in	in	ADP
ajase-3793	254	14	financial	financial	ADJ
ajase-3793	254	15	inclusion	inclusion	NOUN
ajase-3793	254	16	by	by	ADP
ajase-3793	254	17	63.3	63.3	NUM
ajase-3793	254	18	%	%	NOUN
ajase-3793	254	19	,	,	PUNCT
ajase-3793	254	20	holding	hold	VERB
ajase-3793	254	21	other	other	ADJ
ajase-3793	254	22	factors	factor	NOUN
ajase-3793	254	23	constant	constant	ADJ
ajase-3793	254	24	.	.	PUNCT
ajase-3793	255	1	however	however	ADV
ajase-3793	255	2	,	,	PUNCT
ajase-3793	255	3	gender	gender	NOUN
ajase-3793	255	4	,	,	PUNCT
ajase-3793	255	5	statistically	statistically	ADV
ajase-3793	255	6	significant	significant	ADJ
ajase-3793	255	7	at	at	ADP
ajase-3793	255	8	the	the	DET
ajase-3793	255	9	5	5	NUM
ajase-3793	255	10	%	%	NOUN
ajase-3793	255	11	level	level	NOUN
ajase-3793	255	12	,	,	PUNCT
ajase-3793	255	13	has	have	VERB
ajase-3793	255	14	a	a	DET
ajase-3793	255	15	negative	negative	ADJ
ajase-3793	255	16	impact	impact	NOUN
ajase-3793	255	17	on	on	ADP
ajase-3793	255	18	financial	financial	ADJ
ajase-3793	255	19	inclusion	inclusion	NOUN
ajase-3793	255	20	.	.	PUNCT
ajase-3793	256	1	in	in	ADP
ajase-3793	256	2	model	model	NOUN
ajase-3793	256	3	3	3	NUM
ajase-3793	256	4	,	,	PUNCT
ajase-3793	256	5	adding	add	VERB
ajase-3793	256	6	access	access	NOUN
ajase-3793	256	7	to	to	ADP
ajase-3793	256	8	credit	credit	NOUN
ajase-3793	256	9	yielded	yield	VERB
ajase-3793	256	10	a	a	DET
ajase-3793	256	11	significant	significant	ADJ
ajase-3793	256	12	positive	positive	ADJ
ajase-3793	256	13	beta	beta	ADJ
ajase-3793	256	14	coefficient	coefficient	NOUN
ajase-3793	256	15	of	of	ADP
ajase-3793	256	16	0.512	0.512	NUM
ajase-3793	256	17	,	,	PUNCT
ajase-3793	256	18	showing	show	VERB
ajase-3793	256	19	a	a	DET
ajase-3793	256	20	significant	significant	ADJ
ajase-3793	256	21	positive	positive	ADJ
ajase-3793	256	22	effect	effect	NOUN
ajase-3793	256	23	on	on	ADP
ajase-3793	256	24	financial	financial	ADJ
ajase-3793	256	25	inclusion	inclusion	NOUN
ajase-3793	256	26	.	.	PUNCT
ajase-3793	257	1	this	this	PRON
ajase-3793	257	2	implies	imply	VERB
ajase-3793	257	3	that	that	SCONJ
ajase-3793	257	4	a	a	DET
ajase-3793	257	5	1	1	NUM
ajase-3793	257	6	%	%	NOUN
ajase-3793	257	7	increase	increase	NOUN
ajase-3793	257	8	in	in	ADP
ajase-3793	257	9	access	access	NOUN
ajase-3793	257	10	to	to	ADP
ajase-3793	257	11	credit	credit	NOUN
ajase-3793	257	12	is	be	AUX
ajase-3793	257	13	likely	likely	ADJ
ajase-3793	257	14	to	to	PART
ajase-3793	257	15	cause	cause	VERB
ajase-3793	257	16	a	a	DET
ajase-3793	257	17	positive	positive	ADJ
ajase-3793	257	18	increase	increase	NOUN
ajase-3793	257	19	in	in	ADP
ajase-3793	257	20	financial	financial	ADJ
ajase-3793	257	21	inclusion	inclusion	NOUN
ajase-3793	257	22	among	among	ADP
ajase-3793	257	23	women	woman	NOUN
ajase-3793	257	24	of	of	ADP
ajase-3793	257	25	51.2	51.2	NUM
ajase-3793	257	26	%	%	NOUN
ajase-3793	257	27	ceteris	ceteris	NOUN
ajase-3793	257	28	paribus	paribus	NOUN
ajase-3793	257	29	.	.	PUNCT
ajase-3793	258	1	in	in	ADP
ajase-3793	258	2	model	model	NOUN
ajase-3793	258	3	4	4	NUM
ajase-3793	258	4	,	,	PUNCT
ajase-3793	258	5	the	the	DET
ajase-3793	258	6	study	study	NOUN
ajase-3793	258	7	regressed	regress	VERB
ajase-3793	258	8	all	all	DET
ajase-3793	258	9	the	the	DET
ajase-3793	258	10	independent	independent	ADJ
ajase-3793	258	11	and	and	CCONJ
ajase-3793	258	12	control	control	NOUN
ajase-3793	258	13	variables	variable	NOUN
ajase-3793	258	14	on	on	ADP
ajase-3793	258	15	financial	financial	ADJ
ajase-3793	258	16	inclusion	inclusion	NOUN
ajase-3793	258	17	.	.	PUNCT
ajase-3793	259	1	for	for	ADP
ajase-3793	259	2	every	every	DET
ajase-3793	259	3	1	1	NUM
ajase-3793	259	4	%	%	NOUN
ajase-3793	259	5	increase	increase	NOUN
ajase-3793	259	6	in	in	ADP
ajase-3793	259	7	gender	gender	NOUN
ajase-3793	259	8	differences	difference	NOUN
ajase-3793	259	9	,	,	PUNCT
ajase-3793	259	10	financial	financial	ADJ
ajase-3793	259	11	inclusion	inclusion	NOUN
ajase-3793	259	12	significantly	significantly	ADV
ajase-3793	259	13	reduces	reduce	VERB
ajase-3793	259	14	by	by	ADP
ajase-3793	259	15	0.9	0.9	NUM
ajase-3793	259	16	%	%	NOUN
ajase-3793	259	17	ceteris	ceteris	NOUN
ajase-3793	259	18	paribus	paribus	NOUN
ajase-3793	259	19	.	.	PUNCT
ajase-3793	260	1	however	however	ADV
ajase-3793	260	2	,	,	PUNCT
ajase-3793	260	3	marital	marital	ADJ
ajase-3793	260	4	status	status	NOUN
ajase-3793	260	5	,	,	PUNCT
ajase-3793	260	6	savings	saving	NOUN
ajase-3793	260	7	,	,	PUNCT
ajase-3793	260	8	access	access	NOUN
ajase-3793	260	9	to	to	ADP
ajase-3793	260	10	credit	credit	NOUN
ajase-3793	260	11	and	and	CCONJ
ajase-3793	260	12	social	social	ADJ
ajase-3793	260	13	capital	capital	NOUN
ajase-3793	260	14	indicate	indicate	VERB
ajase-3793	260	15	that	that	SCONJ
ajase-3793	260	16	holding	hold	VERB
ajase-3793	260	17	other	other	ADJ
ajase-3793	260	18	variables	variable	NOUN
ajase-3793	260	19	constant	constant	ADJ
ajase-3793	260	20	,	,	PUNCT
ajase-3793	260	21	a	a	DET
ajase-3793	260	22	1	1	NUM
ajase-3793	260	23	%	%	NOUN
ajase-3793	260	24	increase	increase	NOUN
ajase-3793	260	25	in	in	ADP
ajase-3793	260	26	each	each	DET
ajase-3793	260	27	variable	variable	NOUN
ajase-3793	260	28	significantly	significantly	ADV
ajase-3793	260	29	increases	increase	VERB
ajase-3793	260	30	financial	financial	ADJ
ajase-3793	260	31	inclusion	inclusion	NOUN
ajase-3793	260	32	by	by	ADP
ajase-3793	260	33	12.4	12.4	NUM
ajase-3793	260	34	%	%	NOUN
ajase-3793	260	35	,	,	PUNCT
ajase-3793	260	36	25.5	25.5	NUM
ajase-3793	260	37	%	%	NOUN
ajase-3793	260	38	,	,	PUNCT
ajase-3793	260	39	28.1	28.1	NUM
ajase-3793	260	40	%	%	NOUN
ajase-3793	260	41	and	and	CCONJ
ajase-3793	260	42	44.3	44.3	NUM
ajase-3793	260	43	%	%	NOUN
ajase-3793	260	44	,	,	PUNCT
ajase-3793	260	45	respectively	respectively	ADV
ajase-3793	260	46	.	.	PUNCT
ajase-3793	261	1	in	in	ADP
ajase-3793	261	2	model	model	NOUN
ajase-3793	261	3	2	2	NUM
ajase-3793	261	4	,	,	PUNCT
ajase-3793	261	5	saving	save	VERB
ajase-3793	261	6	was	be	AUX
ajase-3793	261	7	added	add	VERB
ajase-3793	261	8	as	as	ADP
ajase-3793	261	9	an	an	DET
ajase-3793	261	10	independent	independent	ADJ
ajase-3793	261	11	variable	variable	NOUN
ajase-3793	261	12	.	.	PUNCT
ajase-3793	262	1	the	the	DET
ajase-3793	262	2	beta	beta	ADJ
ajase-3793	262	3	coefficient	coefficient	NOUN
ajase-3793	262	4	is	be	AUX
ajase-3793	262	5	positive	positive	ADJ
ajase-3793	262	6	(	(	PUNCT
ajase-3793	262	7	0.633	0.633	NUM
ajase-3793	262	8	)	)	PUNCT
ajase-3793	262	9	and	and	CCONJ
ajase-3793	262	10	significant	significant	ADJ
ajase-3793	262	11	,	,	PUNCT
ajase-3793	262	12	indicating	indicate	VERB
ajase-3793	262	13	that	that	SCONJ
ajase-3793	262	14	savings	saving	NOUN
ajase-3793	262	15	have	have	VERB
ajase-3793	262	16	a	a	DET
ajase-3793	262	17	significant	significant	ADJ
ajase-3793	262	18	positive	positive	ADJ
ajase-3793	262	19	impact	impact	NOUN
ajase-3793	262	20	on	on	ADP
ajase-3793	262	21	financial	financial	ADJ
ajase-3793	262	22	inclusion	inclusion	NOUN
ajase-3793	262	23	.	.	PUNCT
ajase-3793	263	1	this	this	PRON
ajase-3793	263	2	suggests	suggest	VERB
ajase-3793	263	3	that	that	SCONJ
ajase-3793	263	4	increasing	increase	VERB
ajase-3793	263	5	savings	saving	NOUN
ajase-3793	263	6	by	by	ADP
ajase-3793	263	7	1	1	NUM
ajase-3793	263	8	%	%	NOUN
ajase-3793	263	9	causes	cause	VERB
ajase-3793	263	10	a	a	DET
ajase-3793	263	11	positive	positive	ADJ
ajase-3793	263	12	increase	increase	NOUN
ajase-3793	263	13	in	in	ADP
ajase-3793	263	14	financial	financial	ADJ
ajase-3793	263	15	inclusion	inclusion	NOUN
ajase-3793	263	16	by	by	ADP
ajase-3793	263	17	63.3	63.3	NUM
ajase-3793	263	18	%	%	NOUN
ajase-3793	263	19	,	,	PUNCT
ajase-3793	263	20	holding	hold	VERB
ajase-3793	263	21	other	other	ADJ
ajase-3793	263	22	factors	factor	NOUN
ajase-3793	263	23	constant	constant	ADJ
ajase-3793	263	24	.	.	PUNCT
ajase-3793	264	1	however	however	ADV
ajase-3793	264	2	,	,	PUNCT
ajase-3793	264	3	gender	gender	NOUN
ajase-3793	264	4	,	,	PUNCT
ajase-3793	264	5	statistically	statistically	ADV
ajase-3793	264	6	significant	significant	ADJ
ajase-3793	264	7	at	at	ADP
ajase-3793	264	8	the	the	DET
ajase-3793	264	9	5	5	NUM
ajase-3793	264	10	%	%	NOUN
ajase-3793	264	11	level	level	NOUN
ajase-3793	264	12	,	,	PUNCT
ajase-3793	264	13	has	have	VERB
ajase-3793	264	14	a	a	DET
ajase-3793	264	15	negative	negative	ADJ
ajase-3793	264	16	impact	impact	NOUN
ajase-3793	264	17	on	on	ADP
ajase-3793	264	18	financial	financial	ADJ
ajase-3793	264	19	inclusion	inclusion	NOUN
ajase-3793	264	20	.	.	PUNCT
ajase-3793	265	1	in	in	ADP
ajase-3793	265	2	model	model	NOUN
ajase-3793	265	3	3	3	NUM
ajase-3793	265	4	,	,	PUNCT
ajase-3793	265	5	adding	add	VERB
ajase-3793	265	6	access	access	NOUN
ajase-3793	265	7	to	to	ADP
ajase-3793	265	8	credit	credit	NOUN
ajase-3793	265	9	yielded	yield	VERB
ajase-3793	265	10	a	a	DET
ajase-3793	265	11	significant	significant	ADJ
ajase-3793	265	12	positive	positive	ADJ
ajase-3793	265	13	beta	beta	ADJ
ajase-3793	265	14	coefficient	coefficient	NOUN
ajase-3793	265	15	of	of	ADP
ajase-3793	265	16	0.512	0.512	NUM
ajase-3793	265	17	,	,	PUNCT
ajase-3793	265	18	showing	show	VERB
ajase-3793	265	19	a	a	DET
ajase-3793	265	20	significant	significant	ADJ
ajase-3793	265	21	positive	positive	ADJ
ajase-3793	265	22	effect	effect	NOUN
ajase-3793	265	23	on	on	ADP
ajase-3793	265	24	financial	financial	ADJ
ajase-3793	265	25	inclusion	inclusion	NOUN
ajase-3793	265	26	.	.	PUNCT
ajase-3793	266	1	this	this	PRON
ajase-3793	266	2	implies	imply	VERB
ajase-3793	266	3	that	that	SCONJ
ajase-3793	266	4	a	a	DET
ajase-3793	266	5	1	1	NUM
ajase-3793	266	6	%	%	NOUN
ajase-3793	266	7	increase	increase	NOUN
ajase-3793	266	8	in	in	ADP
ajase-3793	266	9	access	access	NOUN
ajase-3793	266	10	to	to	ADP
ajase-3793	266	11	credit	credit	NOUN
ajase-3793	266	12	is	be	AUX
ajase-3793	266	13	likely	likely	ADJ
ajase-3793	266	14	to	to	PART
ajase-3793	266	15	cause	cause	VERB
ajase-3793	266	16	a	a	DET
ajase-3793	266	17	positive	positive	ADJ
ajase-3793	266	18	increase	increase	NOUN
ajase-3793	266	19	in	in	ADP
ajase-3793	266	20	financial	financial	ADJ
ajase-3793	266	21	inclusion	inclusion	NOUN
ajase-3793	266	22	among	among	ADP
ajase-3793	266	23	women	woman	NOUN
ajase-3793	266	24	of	of	ADP
ajase-3793	266	25	51.2	51.2	NUM
ajase-3793	266	26	%	%	NOUN
ajase-3793	266	27	ceteris	ceteris	NOUN
ajase-3793	266	28	paribus	paribus	NOUN
ajase-3793	266	29	.	.	PUNCT
ajase-3793	267	1	in	in	ADP
ajase-3793	267	2	model	model	NOUN
ajase-3793	267	3	4	4	NUM
ajase-3793	267	4	,	,	PUNCT
ajase-3793	267	5	the	the	DET
ajase-3793	267	6	study	study	NOUN
ajase-3793	267	7	regressed	regress	VERB
ajase-3793	267	8	all	all	DET
ajase-3793	267	9	the	the	DET
ajase-3793	267	10	independent	independent	ADJ
ajase-3793	267	11	and	and	CCONJ
ajase-3793	267	12	control	control	NOUN
ajase-3793	267	13	variables	variable	NOUN
ajase-3793	267	14	on	on	ADP
ajase-3793	267	15	financial	financial	ADJ
ajase-3793	267	16	inclusion	inclusion	NOUN
ajase-3793	267	17	.	.	PUNCT
ajase-3793	268	1	for	for	ADP
ajase-3793	268	2	every	every	DET
ajase-3793	268	3	1	1	NUM
ajase-3793	268	4	%	%	NOUN
ajase-3793	268	5	increase	increase	NOUN
ajase-3793	268	6	in	in	ADP
ajase-3793	268	7	gender	gender	NOUN
ajase-3793	268	8	differences	difference	NOUN
ajase-3793	268	9	,	,	PUNCT
ajase-3793	268	10	financial	financial	ADJ
ajase-3793	268	11	inclusion	inclusion	NOUN
ajase-3793	268	12	significantly	significantly	ADV
ajase-3793	268	13	reduces	reduce	VERB
ajase-3793	268	14	by	by	ADP
ajase-3793	268	15	0.9	0.9	NUM
ajase-3793	268	16	%	%	NOUN
ajase-3793	268	17	ceteris	ceteris	NOUN
ajase-3793	268	18	paribus	paribus	NOUN
ajase-3793	268	19	.	.	PUNCT
ajase-3793	269	1	however	however	ADV
ajase-3793	269	2	,	,	PUNCT
ajase-3793	269	3	marital	marital	ADJ
ajase-3793	269	4	status	status	NOUN
ajase-3793	269	5	,	,	PUNCT
ajase-3793	269	6	savings	saving	NOUN
ajase-3793	269	7	,	,	PUNCT
ajase-3793	269	8	access	access	NOUN
ajase-3793	269	9	to	to	ADP
ajase-3793	269	10	credit	credit	NOUN
ajase-3793	269	11	and	and	CCONJ
ajase-3793	269	12	social	social	ADJ
ajase-3793	269	13	capital	capital	NOUN
ajase-3793	269	14	indicate	indicate	VERB
ajase-3793	269	15	that	that	SCONJ
ajase-3793	269	16	holding	hold	VERB
ajase-3793	269	17	other	other	ADJ
ajase-3793	269	18	variables	variable	NOUN
ajase-3793	269	19	constant	constant	ADJ
ajase-3793	269	20	,	,	PUNCT
ajase-3793	269	21	a	a	DET
ajase-3793	269	22	1	1	NUM
ajase-3793	269	23	%	%	NOUN
ajase-3793	269	24	increase	increase	NOUN
ajase-3793	269	25	in	in	ADP
ajase-3793	269	26	each	each	DET
ajase-3793	269	27	variable	variable	NOUN
ajase-3793	269	28	significantly	significantly	ADV
ajase-3793	269	29	increases	increase	VERB
ajase-3793	269	30	financial	financial	ADJ
ajase-3793	269	31	inclusion	inclusion	NOUN
ajase-3793	269	32	by	by	ADP
ajase-3793	269	33	12.4	12.4	NUM
ajase-3793	269	34	%	%	NOUN
ajase-3793	269	35	,	,	PUNCT
ajase-3793	269	36	25.5	25.5	NUM
ajase-3793	269	37	%	%	NOUN
ajase-3793	269	38	,	,	PUNCT
ajase-3793	269	39	28.1	28.1	NUM
ajase-3793	269	40	%	%	NOUN
ajase-3793	269	41	and	and	CCONJ
ajase-3793	269	42	44.3	44.3	NUM
ajase-3793	269	43	%	%	NOUN
ajase-3793	269	44	,	,	PUNCT
ajase-3793	269	45	respectively	respectively	ADV
ajase-3793	269	46	.	.	PUNCT
ajase-3793	270	1	in	in	ADP
ajase-3793	270	2	summary	summary	NOUN
ajase-3793	270	3	,	,	PUNCT
ajase-3793	270	4	the	the	DET
ajase-3793	270	5	regression	regression	NOUN
ajase-3793	270	6	analysis	analysis	NOUN
ajase-3793	270	7	shows	show	VERB
ajase-3793	270	8	that	that	SCONJ
ajase-3793	270	9	savings	saving	NOUN
ajase-3793	270	10	,	,	PUNCT
ajase-3793	270	11	access	access	NOUN
ajase-3793	270	12	to	to	ADP
ajase-3793	270	13	credit	credit	NOUN
ajase-3793	270	14	,	,	PUNCT
ajase-3793	270	15	and	and	CCONJ
ajase-3793	270	16	social	social	ADJ
ajase-3793	270	17	capital	capital	NOUN
ajase-3793	270	18	all	all	PRON
ajase-3793	270	19	significantly	significantly	ADV
ajase-3793	270	20	enhance	enhance	VERB
ajase-3793	270	21	the	the	DET
ajase-3793	270	22	financial	financial	ADJ
ajase-3793	270	23	inclusion	inclusion	NOUN
ajase-3793	270	24	of	of	ADP
ajase-3793	270	25	women	woman	NOUN
ajase-3793	270	26	,	,	PUNCT
ajase-3793	270	27	with	with	ADP
ajase-3793	270	28	social	social	ADJ
ajase-3793	270	29	capital	capital	NOUN
ajase-3793	270	30	having	have	VERB
ajase-3793	270	31	the	the	DET
ajase-3793	270	32	strongest	strong	ADJ
ajase-3793	270	33	effect	effect	NOUN
ajase-3793	270	34	.	.	PUNCT
ajase-3793	271	1	gender	gender	NOUN
ajase-3793	271	2	difference	difference	NOUN
ajase-3793	271	3	seems	seem	VERB
ajase-3793	271	4	to	to	PART
ajase-3793	271	5	have	have	VERB
ajase-3793	271	6	a	a	DET
ajase-3793	271	7	negative	negative	ADJ
ajase-3793	271	8	effect	effect	NOUN
ajase-3793	271	9	on	on	ADP
ajase-3793	271	10	women	woman	NOUN
ajase-3793	271	11	’s	’s	PART
ajase-3793	271	12	financial	financial	ADJ
ajase-3793	271	13	inclusion	inclusion	NOUN
ajase-3793	271	14	.	.	PUNCT
ajase-3793	272	1	table	table	NOUN
ajase-3793	272	2	4	4	NUM
ajase-3793	272	3	reports	report	VERB
ajase-3793	272	4	a	a	DET
ajase-3793	272	5	model	model	NOUN
ajase-3793	272	6	summary	summary	NOUN
ajase-3793	272	7	of	of	ADP
ajase-3793	272	8	regressions	regression	NOUN
ajase-3793	272	9	.	.	PUNCT
ajase-3793	273	1	this	this	PRON
ajase-3793	273	2	is	be	AUX
ajase-3793	273	3	basically	basically	ADV
ajase-3793	273	4	the	the	DET
ajase-3793	273	5	analysis	analysis	NOUN
ajase-3793	273	6	into	into	ADP
ajase-3793	273	7	the	the	DET
ajase-3793	273	8	overall	overall	ADJ
ajase-3793	273	9	model	model	NOUN
ajase-3793	273	10	fit	fit	PROPN
ajase-3793	273	11	.	.	PUNCT
ajase-3793	274	1	the	the	DET
ajase-3793	274	2	model	model	NOUN
ajase-3793	274	3	regression	regression	NOUN
ajase-3793	274	4	summary	summary	NOUN
ajase-3793	274	5	indicates	indicate	VERB
ajase-3793	274	6	the	the	DET
ajase-3793	274	7	progressive	progressive	ADJ
ajase-3793	274	8	improvement	improvement	NOUN
ajase-3793	274	9	in	in	ADP
ajase-3793	274	10	the	the	DET
ajase-3793	274	11	predictive	predictive	ADJ
ajase-3793	274	12	power	power	NOUN
ajase-3793	274	13	of	of	ADP
ajase-3793	274	14	the	the	DET
ajase-3793	274	15	model	model	NOUN
ajase-3793	274	16	as	as	SCONJ
ajase-3793	274	17	additional	additional	ADJ
ajase-3793	274	18	variables	variable	NOUN
ajase-3793	274	19	are	be	AUX
ajase-3793	274	20	included	include	VERB
ajase-3793	274	21	.	.	PUNCT
ajase-3793	275	1	starting	start	VERB
ajase-3793	275	2	with	with	ADP
ajase-3793	275	3	an	an	DET
ajase-3793	275	4	r	r	NOUN
ajase-3793	275	5	-	-	PUNCT
ajase-3793	275	6	squared	square	VERB
ajase-3793	275	7	of	of	ADP
ajase-3793	275	8	0.002	0.002	NUM
ajase-3793	275	9	in	in	ADP
ajase-3793	275	10	the	the	DET
ajase-3793	275	11	initial	initial	ADJ
ajase-3793	275	12	model	model	NOUN
ajase-3793	275	13	with	with	ADP
ajase-3793	275	14	marital	marital	ADJ
ajase-3793	275	15	status	status	NOUN
ajase-3793	275	16	as	as	ADP
ajase-3793	275	17	a	a	DET
ajase-3793	275	18	control	control	NOUN
ajase-3793	275	19	variable	variable	NOUN
ajase-3793	275	20	,	,	PUNCT
ajase-3793	275	21	the	the	DET
ajase-3793	275	22	r	r	NOUN
ajase-3793	275	23	-	-	PUNCT
ajase-3793	275	24	square	square	ADJ
ajase-3793	275	25	steadily	steadily	ADV
ajase-3793	275	26	increases	increase	VERB
ajase-3793	275	27	with	with	ADP
ajase-3793	275	28	each	each	DET
ajase-3793	275	29	subsequent	subsequent	ADJ
ajase-3793	275	30	model	model	NOUN
ajase-3793	275	31	iteration	iteration	NOUN
ajase-3793	275	32	,	,	PUNCT
ajase-3793	275	33	reaching	reach	VERB
ajase-3793	275	34	0.607	0.607	NUM
ajase-3793	275	35	in	in	ADP
ajase-3793	275	36	the	the	DET
ajase-3793	275	37	final	final	ADJ
ajase-3793	275	38	model	model	NOUN
ajase-3793	275	39	incorporating	incorporate	VERB
ajase-3793	275	40	marital	marital	ADJ
ajase-3793	275	41	status	status	NOUN
ajase-3793	275	42	,	,	PUNCT
ajase-3793	275	43	gender	gender	NOUN
ajase-3793	275	44	,	,	PUNCT
ajase-3793	275	45	savings	saving	NOUN
ajase-3793	275	46	,	,	PUNCT
ajase-3793	275	47	access	access	NOUN
ajase-3793	275	48	to	to	ADP
ajase-3793	275	49	credit	credit	NOUN
ajase-3793	275	50	and	and	CCONJ
ajase-3793	275	51	social	social	ADJ
ajase-3793	275	52	capital	capital	NOUN
ajase-3793	275	53	.	.	PUNCT
ajase-3793	276	1	table	table	NOUN
ajase-3793	276	2	5	5	NUM
ajase-3793	276	3	reports	report	VERB
ajase-3793	276	4	a	a	DET
ajase-3793	276	5	summary	summary	NOUN
ajase-3793	276	6	of	of	ADP
ajase-3793	276	7	the	the	DET
ajase-3793	276	8	analysis	analysis	NOUN
ajase-3793	276	9	of	of	ADP
ajase-3793	276	10	variance	variance	NOUN
ajase-3793	276	11	(	(	PUNCT
ajase-3793	276	12	anova	anova	PROPN
ajase-3793	276	13	)	)	PUNCT
ajase-3793	276	14	.	.	PUNCT
ajase-3793	277	1	it	it	PRON
ajase-3793	277	2	is	be	AUX
ajase-3793	277	3	observed	observe	VERB
ajase-3793	277	4	from	from	ADP
ajase-3793	277	5	table	table	NOUN
ajase-3793	277	6	5	5	NUM
ajase-3793	277	7	that	that	SCONJ
ajase-3793	277	8	the	the	DET
ajase-3793	277	9	f	f	NOUN
ajase-3793	277	10	-	-	PUNCT
ajase-3793	277	11	statistic	statistic	NOUN
ajase-3793	277	12	pa	pa	PROPN
ajase-3793	277	13	ge	ge	PROPN
ajase-3793	277	14	16	16	NUM
ajase-3793	277	15	2	2	NUM
ajase-3793	277	16	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	277	17	am	am	NOUN
ajase-3793	277	18	.	.	PUNCT
ajase-3793	278	1	j.	j.	PROPN
ajase-3793	278	2	appl	appl	PROPN
ajase-3793	278	3	.	.	PROPN
ajase-3793	279	1	stat	stat	PROPN
ajase-3793	279	2	.	.	PUNCT
ajase-3793	280	1	econ	econ	PROPN
ajase-3793	280	2	.	.	PUNCT
ajase-3793	281	1	3(1	3(1	NUM
ajase-3793	281	2	)	)	PUNCT
ajase-3793	281	3	154	154	NUM
ajase-3793	281	4	-	-	SYM
ajase-3793	281	5	166	166	NUM
ajase-3793	281	6	,	,	PUNCT
ajase-3793	281	7	2024	2024	NUM
ajase-3793	281	8	is	be	AUX
ajase-3793	281	9	not	not	PART
ajase-3793	281	10	significant	significant	ADJ
ajase-3793	281	11	in	in	ADP
ajase-3793	281	12	the	the	DET
ajase-3793	281	13	first	first	ADJ
ajase-3793	281	14	model	model	NOUN
ajase-3793	281	15	.	.	PUNCT
ajase-3793	282	1	in	in	ADP
ajase-3793	282	2	model	model	NOUN
ajase-3793	282	3	2	2	NUM
ajase-3793	282	4	,	,	PUNCT
ajase-3793	282	5	3	3	NUM
ajase-3793	282	6	and	and	CCONJ
ajase-3793	282	7	4	4	NUM
ajase-3793	282	8	(	(	PUNCT
ajase-3793	282	9	p	p	X
ajase-3793	282	10	<	<	X
ajase-3793	282	11	0.001	0.001	NUM
ajase-3793	282	12	)	)	PUNCT
ajase-3793	282	13	indicate	indicate	VERB
ajase-3793	282	14	that	that	SCONJ
ajase-3793	282	15	the	the	DET
ajase-3793	282	16	models	model	NOUN
ajase-3793	282	17	collectively	collectively	ADV
ajase-3793	282	18	explain	explain	VERB
ajase-3793	282	19	a	a	DET
ajase-3793	282	20	significant	significant	ADJ
ajase-3793	282	21	portion	portion	NOUN
ajase-3793	282	22	of	of	ADP
ajase-3793	282	23	the	the	DET
ajase-3793	282	24	variance	variance	NOUN
ajase-3793	282	25	in	in	ADP
ajase-3793	282	26	financial	financial	ADJ
ajase-3793	282	27	inclusion	inclusion	NOUN
ajase-3793	282	28	.	.	PUNCT
ajase-3793	283	1	as	as	SCONJ
ajase-3793	283	2	predictors	predictor	NOUN
ajase-3793	283	3	are	be	AUX
ajase-3793	283	4	added	add	VERB
ajase-3793	283	5	,	,	PUNCT
ajase-3793	283	6	the	the	DET
ajase-3793	283	7	f	f	NOUN
ajase-3793	283	8	-	-	PUNCT
ajase-3793	283	9	statistic	statistic	ADJ
ajase-3793	283	10	and	and	CCONJ
ajase-3793	283	11	significance	significance	NOUN
ajase-3793	283	12	levels	level	NOUN
ajase-3793	283	13	consistently	consistently	ADV
ajase-3793	283	14	improve	improve	VERB
ajase-3793	283	15	,	,	PUNCT
ajase-3793	283	16	suggesting	suggest	VERB
ajase-3793	283	17	that	that	SCONJ
ajase-3793	283	18	the	the	DET
ajase-3793	283	19	expanded	expand	VERB
ajase-3793	283	20	models	model	NOUN
ajase-3793	283	21	better	well	ADV
ajase-3793	283	22	capture	capture	VERB
ajase-3793	283	23	the	the	DET
ajase-3793	283	24	variability	variability	NOUN
ajase-3793	283	25	in	in	ADP
ajase-3793	283	26	financial	financial	ADJ
ajase-3793	283	27	inclusion	inclusion	NOUN
ajase-3793	283	28	.	.	PUNCT
ajase-3793	284	1	table	table	NOUN
ajase-3793	284	2	4	4	NUM
ajase-3793	284	3	:	:	PUNCT
ajase-3793	284	4	regression	regression	NOUN
ajase-3793	284	5	-	-	PUNCT
ajase-3793	284	6	model	model	NOUN
ajase-3793	284	7	summary	summary	NOUN
ajase-3793	284	8	model	model	NOUN
ajase-3793	284	9	r	r	NOUN
ajase-3793	284	10	r2	r2	PROPN
ajase-3793	284	11	adjusted	adjust	VERB
ajase-3793	284	12	r2	r2	PROPN
ajase-3793	284	13	standard	standard	ADJ
ajase-3793	284	14	error	error	NOUN
ajase-3793	284	15	of	of	ADP
ajase-3793	284	16	the	the	DET
ajase-3793	284	17	estimate	estimate	NOUN
ajase-3793	284	18	change	change	NOUN
ajase-3793	284	19	statistics	statistic	NOUN
ajase-3793	284	20	r2	r2	PROPN
ajase-3793	284	21	change	change	NOUN
ajase-3793	284	22	f	f	PROPN
ajase-3793	284	23	change	change	NOUN
ajase-3793	284	24	df1	df1	PROPN
ajase-3793	284	25	df2	df2	PROPN
ajase-3793	284	26	sig	sig	PROPN
ajase-3793	284	27	.	.	PUNCT
ajase-3793	285	1	f	f	PROPN
ajase-3793	285	2	change	change	VERB
ajase-3793	285	3	1	1	NUM
ajase-3793	285	4	.043a	.043a	NOUN
ajase-3793	285	5	.002	.002	NUM
ajase-3793	285	6	.017	.017	NUM
ajase-3793	285	7	.56202	.56202	PROPN
ajase-3793	285	8	0.002	0.002	NUM
ajase-3793	285	9	0.096	0.096	NUM
ajase-3793	285	10	2	2	NUM
ajase-3793	285	11	105	105	NUM
ajase-3793	285	12	.908	.908	NUM
ajase-3793	285	13	2	2	NUM
ajase-3793	285	14	.063b	.063b	PROPN
ajase-3793	285	15	.397	.397	NUM
ajase-3793	285	16	.380	.380	NUM
ajase-3793	285	17	.43892	.43892	NOUN
ajase-3793	285	18	0.395	0.395	NUM
ajase-3793	286	1	68.135	68.135	NUM
ajase-3793	286	2	1	1	NUM
ajase-3793	286	3	104	104	NUM
ajase-3793	286	4	.000	.000	NUM
ajase-3793	286	5	3	3	NUM
ajase-3793	286	6	.717c	.717c	PROPN
ajase-3793	286	7	.514	.514	NUM
ajase-3793	286	8	.495	.495	NUM
ajase-3793	286	9	.3959	.3959	VERB
ajase-3793	286	10	0.112	0.112	NUM
ajase-3793	286	11	24.833	24.833	NUM
ajase-3793	286	12	1	1	NUM
ajase-3793	286	13	103	103	NUM
ajase-3793	286	14	.000	.000	NUM
ajase-3793	286	15	4	4	NUM
ajase-3793	286	16	.785d	.785d	X
ajase-3793	286	17	.616	.616	NUM
ajase-3793	286	18	.597	.597	NUM
ajase-3793	287	1	.35375	.35375	PROPN
ajase-3793	287	2	0.102	0.102	NUM
ajase-3793	287	3	24.008	24.008	NUM
ajase-3793	287	4	1	1	NUM
ajase-3793	287	5	102	102	NUM
ajase-3793	287	6	.000	.000	NUM
ajase-3793	287	7	source	source	NOUN
ajase-3793	287	8	:	:	PUNCT
ajase-3793	287	9	authors	author	NOUN
ajase-3793	287	10	’	’	PART
ajase-3793	287	11	elaboration	elaboration	NOUN
ajase-3793	287	12	a.	a.	NOUN
ajase-3793	287	13	predictors	predictor	NOUN
ajase-3793	287	14	:	:	PUNCT
ajase-3793	287	15	(	(	PUNCT
ajase-3793	287	16	constant	constant	ADJ
ajase-3793	287	17	)	)	PUNCT
ajase-3793	287	18	,	,	PUNCT
ajase-3793	287	19	marital	marital	ADJ
ajase-3793	287	20	status	status	NOUN
ajase-3793	287	21	,	,	PUNCT
ajase-3793	287	22	gender	gender	PROPN
ajase-3793	287	23	b.	b.	PROPN
ajase-3793	287	24	predictors	predictor	NOUN
ajase-3793	287	25	:	:	PUNCT
ajase-3793	287	26	(	(	PUNCT
ajase-3793	287	27	constant	constant	ADJ
ajase-3793	287	28	)	)	PUNCT
ajase-3793	287	29	,	,	PUNCT
ajase-3793	287	30	marital	marital	ADJ
ajase-3793	287	31	status	status	NOUN
ajase-3793	287	32	,	,	PUNCT
ajase-3793	287	33	gender	gender	NOUN
ajase-3793	287	34	,	,	PUNCT
ajase-3793	287	35	savings	saving	NOUN
ajase-3793	287	36	c.	c.	NOUN
ajase-3793	287	37	predictors	predictor	NOUN
ajase-3793	287	38	:	:	PUNCT
ajase-3793	287	39	(	(	PUNCT
ajase-3793	287	40	constant	constant	ADJ
ajase-3793	287	41	)	)	PUNCT
ajase-3793	287	42	,	,	PUNCT
ajase-3793	287	43	marital	marital	ADJ
ajase-3793	287	44	status	status	NOUN
ajase-3793	287	45	,	,	PUNCT
ajase-3793	287	46	gender	gender	NOUN
ajase-3793	287	47	,	,	PUNCT
ajase-3793	287	48	savings	saving	NOUN
ajase-3793	287	49	,	,	PUNCT
ajase-3793	287	50	access	access	NOUN
ajase-3793	287	51	to	to	ADP
ajase-3793	287	52	credit	credit	NOUN
ajase-3793	287	53	d.	d.	PROPN
ajase-3793	287	54	predictors	predictor	NOUN
ajase-3793	287	55	:	:	PUNCT
ajase-3793	287	56	(	(	PUNCT
ajase-3793	287	57	constant	constant	ADJ
ajase-3793	287	58	)	)	PUNCT
ajase-3793	287	59	,	,	PUNCT
ajase-3793	287	60	marital	marital	ADJ
ajase-3793	287	61	status	status	NOUN
ajase-3793	287	62	,	,	PUNCT
ajase-3793	287	63	gender	gender	NOUN
ajase-3793	287	64	,	,	PUNCT
ajase-3793	287	65	savings	saving	NOUN
ajase-3793	287	66	,	,	PUNCT
ajase-3793	287	67	access	access	NOUN
ajase-3793	287	68	to	to	ADP
ajase-3793	287	69	credit	credit	NOUN
ajase-3793	287	70	,	,	PUNCT
ajase-3793	287	71	social	social	ADJ
ajase-3793	287	72	capital	capital	NOUN
ajase-3793	287	73	table	table	NOUN
ajase-3793	287	74	5	5	NUM
ajase-3793	287	75	:	:	PUNCT
ajase-3793	287	76	summary	summary	NOUN
ajase-3793	287	77	of	of	ADP
ajase-3793	287	78	the	the	DET
ajase-3793	287	79	analysis	analysis	NOUN
ajase-3793	287	80	of	of	ADP
ajase-3793	287	81	variance	variance	NOUN
ajase-3793	287	82	(	(	PUNCT
ajase-3793	287	83	anova	anova	PROPN
ajase-3793	287	84	)	)	PUNCT
ajase-3793	287	85	model	model	NOUN
ajase-3793	287	86	sum	sum	NOUN
ajase-3793	287	87	of	of	ADP
ajase-3793	287	88	squares	square	NOUN
ajase-3793	287	89	df	df	PROPN
ajase-3793	287	90	mean	mean	PROPN
ajase-3793	287	91	square	square	PROPN
ajase-3793	287	92	f	f	PROPN
ajase-3793	287	93	sig	sig	PROPN
ajase-3793	287	94	.	.	PROPN
ajase-3793	287	95	1	1	NUM
ajase-3793	287	96	regression	regression	NOUN
ajase-3793	287	97	.061	.061	NUM
ajase-3793	287	98	2	2	NUM
ajase-3793	287	99	.030	.030	NUM
ajase-3793	287	100	.096	.096	PUNCT
ajase-3793	288	1	.908b	.908b	PROPN
ajase-3793	288	2	residual	residual	ADJ
ajase-3793	288	3	33.166	33.166	NUM
ajase-3793	288	4	105	105	NUM
ajase-3793	288	5	.316	.316	NUM
ajase-3793	288	6	total	total	NOUN
ajase-3793	288	7	33.227	33.227	NUM
ajase-3793	288	8	107	107	NUM
ajase-3793	288	9	2	2	NUM
ajase-3793	288	10	regression	regression	NOUN
ajase-3793	288	11	13.191	13.191	NUM
ajase-3793	288	12	3	3	NUM
ajase-3793	288	13	4.397	4.397	NUM
ajase-3793	288	14	22.823	22.823	NUM
ajase-3793	288	15	.000c	.000c	PUNCT
ajase-3793	288	16	residual	residual	ADJ
ajase-3793	288	17	20.036	20.036	NUM
ajase-3793	288	18	104	104	NUM
ajase-3793	288	19	.193	.193	NUM
ajase-3793	288	20	total	total	ADJ
ajase-3793	288	21	33.227	33.227	NUM
ajase-3793	288	22	107	107	NUM
ajase-3793	288	23	3	3	NUM
ajase-3793	288	24	regression	regression	NOUN
ajase-3793	288	25	17.083	17.083	NUM
ajase-3793	288	26	4	4	NUM
ajase-3793	288	27	4.271	4.271	NUM
ajase-3793	288	28	27.248	27.248	NUM
ajase-3793	288	29	.000d	.000d	PUNCT
ajase-3793	288	30	residual	residual	ADJ
ajase-3793	288	31	16.144	16.144	NUM
ajase-3793	288	32	103	103	NUM
ajase-3793	288	33	.157	.157	NUM
ajase-3793	288	34	total	total	NOUN
ajase-3793	288	35	33.227	33.227	NUM
ajase-3793	288	36	107	107	NUM
ajase-3793	288	37	4	4	NUM
ajase-3793	288	38	regression	regression	NOUN
ajase-3793	288	39	20.463	20.463	NUM
ajase-3793	288	40	5	5	NUM
ajase-3793	288	41	4.093	4.093	NUM
ajase-3793	288	42	32.704	32.704	NUM
ajase-3793	288	43	.000e	.000e	NOUN
ajase-3793	289	1	residual	residual	ADJ
ajase-3793	289	2	12.764	12.764	NUM
ajase-3793	289	3	102	102	NUM
ajase-3793	289	4	.125	.125	NUM
ajase-3793	289	5	total	total	NOUN
ajase-3793	289	6	33.227	33.227	NUM
ajase-3793	289	7	107	107	NUM
ajase-3793	289	8	source	source	NOUN
ajase-3793	289	9	:	:	PUNCT
ajase-3793	289	10	authors	author	NOUN
ajase-3793	289	11	elaboration	elaboration	VERB
ajase-3793	289	12	on	on	ADP
ajase-3793	289	13	data	datum	NOUN
ajase-3793	289	14	testing	test	VERB
ajase-3793	289	15	the	the	DET
ajase-3793	289	16	main	main	ADJ
ajase-3793	289	17	hypothesis	hypothesis	NOUN
ajase-3793	289	18	of	of	ADP
ajase-3793	289	19	the	the	DET
ajase-3793	289	20	study	study	NOUN
ajase-3793	289	21	the	the	DET
ajase-3793	289	22	study	study	NOUN
ajase-3793	289	23	set	set	VERB
ajase-3793	289	24	out	out	ADP
ajase-3793	289	25	to	to	PART
ajase-3793	289	26	test	test	VERB
ajase-3793	289	27	the	the	DET
ajase-3793	289	28	composite	composite	ADJ
ajase-3793	289	29	hypothesis	hypothesis	NOUN
ajase-3793	289	30	that	that	PRON
ajase-3793	289	31	savings	saving	NOUN
ajase-3793	289	32	,	,	PUNCT
ajase-3793	289	33	access	access	NOUN
ajase-3793	289	34	to	to	ADP
ajase-3793	289	35	credit	credit	NOUN
ajase-3793	289	36	,	,	PUNCT
ajase-3793	289	37	and	and	CCONJ
ajase-3793	289	38	social	social	ADJ
ajase-3793	289	39	capital	capital	NOUN
ajase-3793	289	40	have	have	VERB
ajase-3793	289	41	a	a	DET
ajase-3793	289	42	significant	significant	ADJ
ajase-3793	289	43	negative	negative	ADJ
ajase-3793	289	44	effect	effect	NOUN
ajase-3793	289	45	on	on	ADP
ajase-3793	289	46	women	woman	NOUN
ajase-3793	289	47	’s	’s	PART
ajase-3793	289	48	financial	financial	ADJ
ajase-3793	289	49	inclusion	inclusion	NOUN
ajase-3793	289	50	in	in	ADP
ajase-3793	289	51	zambia	zambia	PROPN
ajase-3793	289	52	as	as	ADP
ajase-3793	289	53	the	the	DET
ajase-3793	289	54	null	null	ADJ
ajase-3793	289	55	hypothesis	hypothesis	NOUN
ajase-3793	289	56	.	.	PUNCT
ajase-3793	290	1	the	the	DET
ajase-3793	290	2	findings	finding	NOUN
ajase-3793	290	3	from	from	ADP
ajase-3793	290	4	the	the	DET
ajase-3793	290	5	regression	regression	NOUN
ajase-3793	290	6	analyses	analysis	NOUN
ajase-3793	290	7	indicate	indicate	VERB
ajase-3793	290	8	that	that	SCONJ
ajase-3793	290	9	savings	saving	NOUN
ajase-3793	290	10	,	,	PUNCT
ajase-3793	290	11	access	access	NOUN
ajase-3793	290	12	to	to	ADP
ajase-3793	290	13	credit	credit	NOUN
ajase-3793	290	14	and	and	CCONJ
ajase-3793	290	15	social	social	ADJ
ajase-3793	290	16	capital	capital	NOUN
ajase-3793	290	17	indicate	indicate	VERB
ajase-3793	290	18	that	that	SCONJ
ajase-3793	290	19	,	,	PUNCT
ajase-3793	290	20	ceteris	ceteris	NOUN
ajase-3793	290	21	paribus	paribus	NOUN
ajase-3793	290	22	,	,	PUNCT
ajase-3793	290	23	a	a	DET
ajase-3793	290	24	1	1	NUM
ajase-3793	290	25	%	%	NOUN
ajase-3793	290	26	increase	increase	NOUN
ajase-3793	290	27	in	in	ADP
ajase-3793	290	28	each	each	DET
ajase-3793	290	29	variable	variable	NOUN
ajase-3793	290	30	,	,	PUNCT
ajase-3793	290	31	significantly	significantly	ADV
ajase-3793	290	32	increases	increase	VERB
ajase-3793	290	33	financial	financial	ADJ
ajase-3793	290	34	inclusion	inclusion	NOUN
ajase-3793	290	35	by	by	ADP
ajase-3793	290	36	25.5	25.5	NUM
ajase-3793	290	37	%	%	NOUN
ajase-3793	290	38	,	,	PUNCT
ajase-3793	290	39	28.1	28.1	NUM
ajase-3793	290	40	%	%	NOUN
ajase-3793	290	41	and	and	CCONJ
ajase-3793	290	42	44.3	44.3	NUM
ajase-3793	290	43	%	%	NOUN
ajase-3793	290	44	,	,	PUNCT
ajase-3793	290	45	respectively	respectively	ADV
ajase-3793	290	46	.	.	PUNCT
ajase-3793	291	1	the	the	DET
ajase-3793	291	2	study	study	NOUN
ajase-3793	291	3	,	,	PUNCT
ajase-3793	291	4	therefore	therefore	ADV
ajase-3793	291	5	,	,	PUNCT
ajase-3793	291	6	rejects	reject	VERB
ajase-3793	291	7	the	the	DET
ajase-3793	291	8	null	null	NOUN
ajase-3793	291	9	and	and	CCONJ
ajase-3793	291	10	accepts	accept	VERB
ajase-3793	291	11	the	the	DET
ajase-3793	291	12	alternative	alternative	NOUN
ajase-3793	291	13	because	because	SCONJ
ajase-3793	291	14	savings	saving	NOUN
ajase-3793	291	15	,	,	PUNCT
ajase-3793	291	16	access	access	NOUN
ajase-3793	291	17	to	to	ADP
ajase-3793	291	18	credit	credit	NOUN
ajase-3793	291	19	,	,	PUNCT
ajase-3793	291	20	and	and	CCONJ
ajase-3793	291	21	social	social	ADJ
ajase-3793	291	22	capital	capital	NOUN
ajase-3793	291	23	have	have	VERB
ajase-3793	291	24	significant	significant	ADJ
ajase-3793	291	25	positive	positive	ADJ
ajase-3793	291	26	effects	effect	NOUN
ajase-3793	291	27	on	on	ADP
ajase-3793	291	28	the	the	DET
ajase-3793	291	29	financial	financial	ADJ
ajase-3793	291	30	inclusion	inclusion	NOUN
ajase-3793	291	31	of	of	ADP
ajase-3793	291	32	women	woman	NOUN
ajase-3793	291	33	in	in	ADP
ajase-3793	291	34	zambia	zambia	PROPN
ajase-3793	291	35	.	.	PUNCT
ajase-3793	292	1	qualitative	qualitative	ADJ
ajase-3793	292	2	analysis	analysis	NOUN
ajase-3793	292	3	under	under	ADP
ajase-3793	292	4	this	this	DET
ajase-3793	292	5	section	section	NOUN
ajase-3793	292	6	,	,	PUNCT
ajase-3793	292	7	data	datum	NOUN
ajase-3793	292	8	collected	collect	VERB
ajase-3793	292	9	from	from	ADP
ajase-3793	292	10	the	the	DET
ajase-3793	292	11	10	10	NUM
ajase-3793	292	12	participants	participant	NOUN
ajase-3793	292	13	using	use	VERB
ajase-3793	292	14	the	the	DET
ajase-3793	292	15	interview	interview	NOUN
ajase-3793	292	16	guide	guide	NOUN
ajase-3793	292	17	was	be	AUX
ajase-3793	292	18	presented	present	VERB
ajase-3793	292	19	and	and	CCONJ
ajase-3793	292	20	interpreted	interpret	VERB
ajase-3793	292	21	into	into	ADP
ajase-3793	292	22	the	the	DET
ajase-3793	292	23	specific	specific	ADJ
ajase-3793	292	24	objectives	objective	NOUN
ajase-3793	292	25	,	,	PUNCT
ajase-3793	292	26	which	which	PRON
ajase-3793	292	27	were	be	AUX
ajase-3793	292	28	;	;	PUNCT
ajase-3793	292	29	to	to	PART
ajase-3793	292	30	analyze	analyze	VERB
ajase-3793	292	31	the	the	DET
ajase-3793	292	32	factors	factor	NOUN
ajase-3793	292	33	that	that	PRON
ajase-3793	292	34	tend	tend	VERB
ajase-3793	292	35	to	to	PART
ajase-3793	292	36	promote	promote	VERB
ajase-3793	292	37	financial	financial	ADJ
ajase-3793	292	38	inclusion	inclusion	NOUN
ajase-3793	292	39	for	for	ADP
ajase-3793	292	40	the	the	DET
ajase-3793	292	41	women	woman	NOUN
ajase-3793	292	42	in	in	ADP
ajase-3793	292	43	micro	micro	NOUN
ajase-3793	292	44	-	-	NOUN
ajase-3793	292	45	credit	credit	ADJ
ajase-3793	292	46	co	co	ADJ
ajase-3793	292	47	-	-	ADJ
ajase-3793	292	48	operative	operative	ADJ
ajase-3793	292	49	models	model	NOUN
ajase-3793	292	50	such	such	ADJ
ajase-3793	292	51	as	as	ADP
ajase-3793	292	52	the	the	DET
ajase-3793	292	53	afri	afri	PROPN
ajase-3793	292	54	-	-	PUNCT
ajase-3793	292	55	zam	zam	PROPN
ajase-3793	292	56	co	co	NOUN
ajase-3793	292	57	-	-	NOUN
ajase-3793	292	58	operative	operative	ADJ
ajase-3793	292	59	,	,	PUNCT
ajase-3793	292	60	to	to	PART
ajase-3793	292	61	assess	assess	VERB
ajase-3793	292	62	the	the	DET
ajase-3793	292	63	level	level	NOUN
ajase-3793	292	64	of	of	ADP
ajase-3793	292	65	financial	financial	ADJ
ajase-3793	292	66	inclusion	inclusion	NOUN
ajase-3793	292	67	for	for	ADP
ajase-3793	292	68	women	woman	NOUN
ajase-3793	292	69	in	in	ADP
ajase-3793	292	70	zambia	zambia	PROPN
ajase-3793	292	71	to	to	PART
ajase-3793	292	72	investigate	investigate	VERB
ajase-3793	292	73	the	the	DET
ajase-3793	292	74	challenges	challenge	NOUN
ajase-3793	292	75	that	that	PRON
ajase-3793	292	76	hinder	hinder	VERB
ajase-3793	292	77	financial	financial	ADJ
ajase-3793	292	78	inclusion	inclusion	NOUN
ajase-3793	292	79	for	for	ADP
ajase-3793	292	80	women	woman	NOUN
ajase-3793	292	81	at	at	ADP
ajase-3793	292	82	the	the	DET
ajase-3793	292	83	afri	afri	PROPN
ajase-3793	292	84	-	-	PUNCT
ajase-3793	292	85	zam	zam	PROPN
ajase-3793	292	86	co	co	NOUN
ajase-3793	292	87	-	-	NOUN
ajase-3793	292	88	operative	operative	ADJ
ajase-3793	292	89	.	.	PUNCT
ajase-3793	293	1	under	under	ADP
ajase-3793	293	2	each	each	DET
ajase-3793	293	3	objective	objective	NOUN
ajase-3793	293	4	,	,	PUNCT
ajase-3793	293	5	a	a	DET
ajase-3793	293	6	theme	theme	NOUN
ajase-3793	293	7	was	be	AUX
ajase-3793	293	8	developed	develop	VERB
ajase-3793	293	9	.	.	PUNCT
ajase-3793	294	1	perceived	perceive	VERB
ajase-3793	294	2	benefits	benefit	NOUN
ajase-3793	294	3	of	of	ADP
ajase-3793	294	4	financial	financial	ADJ
ajase-3793	294	5	inclusion	inclusion	NOUN
ajase-3793	294	6	initiatives	initiative	NOUN
ajase-3793	294	7	on	on	ADP
ajase-3793	294	8	women	woman	NOUN
ajase-3793	294	9	’s	’s	PART
ajase-3793	294	10	empowerment	empowerment	NOUN
ajase-3793	294	11	table	table	NOUN
ajase-3793	294	12	6	6	NUM
ajase-3793	294	13	presents	present	VERB
ajase-3793	294	14	a	a	DET
ajase-3793	294	15	thematic	thematic	ADJ
ajase-3793	294	16	analysis	analysis	NOUN
ajase-3793	294	17	of	of	ADP
ajase-3793	294	18	the	the	DET
ajase-3793	294	19	perceived	perceive	VERB
ajase-3793	294	20	benefits	benefit	NOUN
ajase-3793	294	21	of	of	ADP
ajase-3793	294	22	financial	financial	ADJ
ajase-3793	294	23	inclusion	inclusion	NOUN
ajase-3793	294	24	initiatives	initiative	NOUN
ajase-3793	294	25	on	on	ADP
ajase-3793	294	26	women	woman	NOUN
ajase-3793	294	27	’s	’s	PART
ajase-3793	294	28	empowerment	empowerment	NOUN
ajase-3793	294	29	and	and	CCONJ
ajase-3793	294	30	financial	financial	ADJ
ajase-3793	294	31	independence	independence	NOUN
ajase-3793	294	32	in	in	ADP
ajase-3793	294	33	the	the	DET
ajase-3793	294	34	afrizam	afrizam	PROPN
ajase-3793	294	35	co	co	NOUN
ajase-3793	294	36	-	-	NOUN
ajase-3793	294	37	operative	operative	ADJ
ajase-3793	294	38	.	.	PUNCT
ajase-3793	295	1	the	the	DET
ajase-3793	295	2	analysis	analysis	NOUN
ajase-3793	295	3	revealed	reveal	VERB
ajase-3793	295	4	five	five	NUM
ajase-3793	295	5	main	main	ADJ
ajase-3793	295	6	themes	theme	NOUN
ajase-3793	295	7	,	,	PUNCT
ajase-3793	295	8	as	as	SCONJ
ajase-3793	295	9	reported	report	VERB
ajase-3793	295	10	in	in	ADP
ajase-3793	295	11	table	table	NOUN
ajase-3793	295	12	7	7	NUM
ajase-3793	295	13	.	.	PUNCT
ajase-3793	295	14	access	access	NOUN
ajase-3793	295	15	to	to	ADP
ajase-3793	295	16	financial	financial	ADJ
ajase-3793	295	17	services	service	NOUN
ajase-3793	295	18	(	(	PUNCT
ajase-3793	295	19	b1	b1	PROPN
ajase-3793	295	20	)	)	PUNCT
ajase-3793	295	21	eight	eight	NUM
ajase-3793	295	22	(	(	PUNCT
ajase-3793	295	23	8)	8)	NUM
ajase-3793	295	24	participants	participant	NOUN
ajase-3793	295	25	reported	report	VERB
ajase-3793	295	26	that	that	SCONJ
ajase-3793	295	27	access	access	NOUN
ajase-3793	295	28	to	to	ADP
ajase-3793	295	29	loans	loan	NOUN
ajase-3793	295	30	and	and	CCONJ
ajase-3793	295	31	savings	saving	NOUN
ajase-3793	295	32	accounts	account	NOUN
ajase-3793	295	33	significantly	significantly	ADV
ajase-3793	295	34	affected	affect	VERB
ajase-3793	295	35	their	their	PRON
ajase-3793	295	36	ability	ability	NOUN
ajase-3793	295	37	to	to	PART
ajase-3793	295	38	expand	expand	VERB
ajase-3793	295	39	businesses	business	NOUN
ajase-3793	295	40	and	and	CCONJ
ajase-3793	295	41	support	support	VERB
ajase-3793	295	42	their	their	PRON
ajase-3793	295	43	families	family	NOUN
ajase-3793	295	44	.	.	PUNCT
ajase-3793	296	1	participant	participant	PROPN
ajase-3793	296	2	3	3	NUM
ajase-3793	296	3	highlighted	highlight	VERB
ajase-3793	296	4	that	that	SCONJ
ajase-3793	296	5	financial	financial	ADJ
ajase-3793	296	6	inclusion	inclusion	NOUN
ajase-3793	296	7	initiatives	initiative	NOUN
ajase-3793	296	8	provided	provide	VERB
ajase-3793	296	9	essential	essential	ADJ
ajase-3793	296	10	resources	resource	NOUN
ajase-3793	296	11	for	for	ADP
ajase-3793	296	12	business	business	NOUN
ajase-3793	296	13	growth	growth	NOUN
ajase-3793	296	14	,	,	PUNCT
ajase-3793	296	15	thereby	thereby	ADV
ajase-3793	296	16	contributing	contribute	VERB
ajase-3793	296	17	to	to	ADP
ajase-3793	296	18	economic	economic	ADJ
ajase-3793	296	19	stability	stability	NOUN
ajase-3793	296	20	and	and	CCONJ
ajase-3793	296	21	empowerment	empowerment	NOUN
ajase-3793	296	22	.	.	PUNCT
ajase-3793	297	1	pa	pa	PROPN
ajase-3793	297	2	ge	ge	PROPN
ajase-3793	297	3	16	16	NUM
ajase-3793	297	4	3	3	NUM
ajase-3793	297	5	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	297	6	am	am	NOUN
ajase-3793	297	7	.	.	PUNCT
ajase-3793	298	1	j.	j.	PROPN
ajase-3793	298	2	appl	appl	PROPN
ajase-3793	298	3	.	.	PROPN
ajase-3793	299	1	stat	stat	PROPN
ajase-3793	299	2	.	.	PUNCT
ajase-3793	300	1	econ	econ	PROPN
ajase-3793	300	2	.	.	PUNCT
ajase-3793	301	1	3(1	3(1	NUM
ajase-3793	301	2	)	)	PUNCT
ajase-3793	301	3	154	154	NUM
ajase-3793	301	4	-	-	SYM
ajase-3793	301	5	166	166	NUM
ajase-3793	301	6	,	,	PUNCT
ajase-3793	301	7	2024	2024	NUM
ajase-3793	301	8	table	table	NOUN
ajase-3793	301	9	6	6	NUM
ajase-3793	301	10	:	:	PUNCT
ajase-3793	301	11	thematic	thematic	ADJ
ajase-3793	301	12	analysis	analysis	NOUN
ajase-3793	301	13	of	of	ADP
ajase-3793	301	14	the	the	DET
ajase-3793	301	15	perceived	perceive	VERB
ajase-3793	301	16	benefits	benefit	NOUN
ajase-3793	301	17	of	of	ADP
ajase-3793	301	18	financial	financial	ADJ
ajase-3793	301	19	inclusive	inclusive	ADJ
ajase-3793	301	20	strategies	strategy	NOUN
ajase-3793	301	21	theme	theme	NOUN
ajase-3793	301	22	code	code	NOUN
ajase-3793	301	23	representative	representative	NOUN
ajase-3793	301	24	statement	statement	NOUN
ajase-3793	301	25	/	/	SYM
ajase-3793	301	26	quote	quote	INTJ
ajase-3793	301	27	access	access	NOUN
ajase-3793	301	28	to	to	ADP
ajase-3793	301	29	financial	financial	ADJ
ajase-3793	301	30	services	service	NOUN
ajase-3793	301	31	b1	b1	VERB
ajase-3793	301	32	“	"	PUNCT
ajase-3793	301	33	access	access	NOUN
ajase-3793	301	34	to	to	ADP
ajase-3793	301	35	loans	loan	NOUN
ajase-3793	301	36	and	and	CCONJ
ajase-3793	301	37	savings	saving	NOUN
ajase-3793	301	38	has	have	AUX
ajase-3793	301	39	enabled	enable	VERB
ajase-3793	301	40	me	i	PRON
ajase-3793	301	41	to	to	PART
ajase-3793	301	42	expand	expand	VERB
ajase-3793	301	43	my	my	PRON
ajase-3793	301	44	business	business	NOUN
ajase-3793	301	45	and	and	CCONJ
ajase-3793	301	46	support	support	VERB
ajase-3793	301	47	my	my	PRON
ajase-3793	301	48	family	family	NOUN
ajase-3793	301	49	.	.	PUNCT
ajase-3793	301	50	"	"	PUNCT
ajase-3793	302	1	frequency	frequency	NOUN
ajase-3793	302	2	score	score	NOUN
ajase-3793	302	3	:	:	PUNCT
ajase-3793	302	4	80	80	NUM
ajase-3793	302	5	%	%	NOUN
ajase-3793	302	6	(	(	PUNCT
ajase-3793	302	7	8/10	8/10	NUM
ajase-3793	302	8	)	)	PUNCT
ajase-3793	302	9	increased	increase	VERB
ajase-3793	302	10	financial	financial	ADJ
ajase-3793	302	11	security	security	NOUN
ajase-3793	302	12	b2	b2	NOUN
ajase-3793	302	13	“	"	PUNCT
ajase-3793	302	14	having	have	VERB
ajase-3793	302	15	a	a	DET
ajase-3793	302	16	savings	savings	NOUN
ajase-3793	302	17	account	account	NOUN
ajase-3793	302	18	gives	give	VERB
ajase-3793	302	19	me	i	PRON
ajase-3793	302	20	a	a	DET
ajase-3793	302	21	sense	sense	NOUN
ajase-3793	302	22	of	of	ADP
ajase-3793	302	23	financial	financial	ADJ
ajase-3793	302	24	security	security	NOUN
ajase-3793	302	25	and	and	CCONJ
ajase-3793	302	26	stability	stability	NOUN
ajase-3793	302	27	.	.	PUNCT
ajase-3793	302	28	"	"	PUNCT
ajase-3793	303	1	frequency	frequency	NOUN
ajase-3793	303	2	score	score	NOUN
ajase-3793	303	3	:	:	PUNCT
ajase-3793	303	4	60	60	NUM
ajase-3793	303	5	%	%	NOUN
ajase-3793	303	6	(	(	PUNCT
ajase-3793	303	7	6/10	6/10	PROPN
ajase-3793	303	8	)	)	PUNCT
ajase-3793	303	9	enhanced	enhance	VERB
ajase-3793	303	10	financial	financial	ADJ
ajase-3793	303	11	literacy	literacy	NOUN
ajase-3793	303	12	b3	b3	PROPN
ajase-3793	303	13	“	"	PUNCT
ajase-3793	303	14	the	the	DET
ajase-3793	303	15	training	training	NOUN
ajase-3793	303	16	sessions	session	NOUN
ajase-3793	303	17	have	have	AUX
ajase-3793	303	18	improved	improve	VERB
ajase-3793	303	19	my	my	PRON
ajase-3793	303	20	understanding	understanding	NOUN
ajase-3793	303	21	of	of	ADP
ajase-3793	303	22	financial	financial	ADJ
ajase-3793	303	23	management	management	NOUN
ajase-3793	303	24	and	and	CCONJ
ajase-3793	303	25	budgeting	budgeting	NOUN
ajase-3793	303	26	.	.	PUNCT
ajase-3793	303	27	"	"	PUNCT
ajase-3793	304	1	frequency	frequency	NOUN
ajase-3793	304	2	score	score	NOUN
ajase-3793	304	3	:	:	PUNCT
ajase-3793	304	4	50	50	NUM
ajase-3793	304	5	%	%	NOUN
ajase-3793	304	6	(	(	PUNCT
ajase-3793	304	7	5/10	5/10	NUM
ajase-3793	304	8	)	)	PUNCT
ajase-3793	304	9	economic	economic	ADJ
ajase-3793	304	10	empowerment	empowerment	NOUN
ajase-3793	304	11	b4	b4	NOUN
ajase-3793	304	12	"	"	PUNCT
ajase-3793	304	13	with	with	ADP
ajase-3793	304	14	the	the	DET
ajase-3793	304	15	financial	financial	ADJ
ajase-3793	304	16	support	support	NOUN
ajase-3793	304	17	,	,	PUNCT
ajase-3793	304	18	i	i	PRON
ajase-3793	304	19	have	have	AUX
ajase-3793	304	20	been	be	AUX
ajase-3793	304	21	able	able	ADJ
ajase-3793	304	22	to	to	PART
ajase-3793	304	23	start	start	VERB
ajase-3793	304	24	a	a	DET
ajase-3793	304	25	small	small	ADJ
ajase-3793	304	26	business	business	NOUN
ajase-3793	304	27	and	and	CCONJ
ajase-3793	304	28	generate	generate	VERB
ajase-3793	304	29	income	income	NOUN
ajase-3793	304	30	.	.	PUNCT
ajase-3793	304	31	"	"	PUNCT
ajase-3793	305	1	frequency	frequency	NOUN
ajase-3793	305	2	score	score	NOUN
ajase-3793	305	3	:	:	PUNCT
ajase-3793	305	4	90	90	NUM
ajase-3793	305	5	%	%	NOUN
ajase-3793	305	6	(	(	PUNCT
ajase-3793	305	7	9	9	NUM
ajase-3793	305	8	)	)	PUNCT
ajase-3793	305	9	improved	improved	ADJ
ajase-3793	305	10	standard	standard	NOUN
ajase-3793	305	11	of	of	ADP
ajase-3793	305	12	living	living	NOUN
ajase-3793	305	13	b5	b5	PROPN
ajase-3793	305	14	"	"	PUNCT
ajase-3793	305	15	my	my	PRON
ajase-3793	305	16	family	family	NOUN
ajase-3793	305	17	’s	’s	PART
ajase-3793	305	18	standard	standard	NOUN
ajase-3793	305	19	of	of	ADP
ajase-3793	305	20	living	living	NOUN
ajase-3793	305	21	has	have	AUX
ajase-3793	305	22	improved	improve	VERB
ajase-3793	305	23	significantly	significantly	ADV
ajase-3793	305	24	due	due	ADP
ajase-3793	305	25	to	to	ADP
ajase-3793	305	26	the	the	DET
ajase-3793	305	27	financial	financial	ADJ
ajase-3793	305	28	resources	resource	NOUN
ajase-3793	305	29	provided	provide	VERB
ajase-3793	305	30	by	by	ADP
ajase-3793	305	31	the	the	DET
ajase-3793	305	32	cooperative	cooperative	NOUN
ajase-3793	305	33	.	.	PUNCT
ajase-3793	305	34	"	"	PUNCT
ajase-3793	306	1	80	80	NUM
ajase-3793	306	2	%	%	NOUN
ajase-3793	306	3	source	source	NOUN
ajase-3793	306	4	:	:	PUNCT
ajase-3793	306	5	authors	author	NOUN
ajase-3793	306	6	’	'	PUNCT
ajase-3793	306	7	elaboration	elaboration	NOUN
ajase-3793	306	8	increased	increase	VERB
ajase-3793	306	9	financial	financial	ADJ
ajase-3793	306	10	security	security	NOUN
ajase-3793	306	11	(	(	PUNCT
ajase-3793	306	12	b2	b2	NOUN
ajase-3793	306	13	)	)	PUNCT
ajase-3793	306	14	six	six	NUM
ajase-3793	306	15	(	(	PUNCT
ajase-3793	306	16	6	6	NUM
ajase-3793	306	17	)	)	PUNCT
ajase-3793	306	18	participants	participant	NOUN
ajase-3793	306	19	,	,	PUNCT
ajase-3793	306	20	or	or	CCONJ
ajase-3793	306	21	60	60	NUM
ajase-3793	306	22	%	%	NOUN
ajase-3793	306	23	of	of	ADP
ajase-3793	306	24	the	the	DET
ajase-3793	306	25	sample	sample	NOUN
ajase-3793	306	26	size	size	NOUN
ajase-3793	306	27	,	,	PUNCT
ajase-3793	306	28	emphasized	emphasize	VERB
ajase-3793	306	29	the	the	DET
ajase-3793	306	30	sense	sense	NOUN
ajase-3793	306	31	of	of	ADP
ajase-3793	306	32	financial	financial	ADJ
ajase-3793	306	33	security	security	NOUN
ajase-3793	306	34	and	and	CCONJ
ajase-3793	306	35	stability	stability	NOUN
ajase-3793	306	36	gained	gain	VERB
ajase-3793	306	37	from	from	ADP
ajase-3793	306	38	having	have	VERB
ajase-3793	306	39	a	a	DET
ajase-3793	306	40	savings	savings	NOUN
ajase-3793	306	41	account	account	NOUN
ajase-3793	306	42	.	.	PUNCT
ajase-3793	307	1	this	this	DET
ajase-3793	307	2	theme	theme	NOUN
ajase-3793	307	3	underscored	underscore	VERB
ajase-3793	307	4	the	the	DET
ajase-3793	307	5	importance	importance	NOUN
ajase-3793	307	6	of	of	ADP
ajase-3793	307	7	financial	financial	ADJ
ajase-3793	307	8	inclusion	inclusion	NOUN
ajase-3793	307	9	in	in	ADP
ajase-3793	307	10	fostering	foster	VERB
ajase-3793	307	11	a	a	DET
ajase-3793	307	12	secure	secure	ADJ
ajase-3793	307	13	financial	financial	ADJ
ajase-3793	307	14	environment	environment	NOUN
ajase-3793	307	15	for	for	ADP
ajase-3793	307	16	women	woman	NOUN
ajase-3793	307	17	,	,	PUNCT
ajase-3793	307	18	enabling	enable	VERB
ajase-3793	307	19	them	they	PRON
ajase-3793	307	20	to	to	PART
ajase-3793	307	21	better	well	ADV
ajase-3793	307	22	manage	manage	VERB
ajase-3793	307	23	their	their	PRON
ajase-3793	307	24	resources	resource	NOUN
ajase-3793	307	25	and	and	CCONJ
ajase-3793	307	26	plan	plan	NOUN
ajase-3793	307	27	for	for	ADP
ajase-3793	307	28	the	the	DET
ajase-3793	307	29	future	future	NOUN
ajase-3793	307	30	.	.	PUNCT
ajase-3793	308	1	enhanced	enhance	VERB
ajase-3793	308	2	financial	financial	ADJ
ajase-3793	308	3	literacy	literacy	NOUN
ajase-3793	308	4	(	(	PUNCT
ajase-3793	308	5	b3	b3	NOUN
ajase-3793	308	6	)	)	PUNCT
ajase-3793	308	7	training	training	NOUN
ajase-3793	308	8	sessions	session	NOUN
ajase-3793	308	9	conducted	conduct	VERB
ajase-3793	308	10	by	by	ADP
ajase-3793	308	11	the	the	DET
ajase-3793	308	12	cooperative	cooperative	NOUN
ajase-3793	308	13	played	play	VERB
ajase-3793	308	14	a	a	DET
ajase-3793	308	15	mild	mild	ADJ
ajase-3793	308	16	role	role	NOUN
ajase-3793	308	17	in	in	ADP
ajase-3793	308	18	enhancing	enhance	VERB
ajase-3793	308	19	participants	participant	NOUN
ajase-3793	308	20	’	'	PUNCT
ajase-3793	308	21	financial	financial	ADJ
ajase-3793	308	22	literacy	literacy	NOUN
ajase-3793	308	23	as	as	ADP
ajase-3793	308	24	only	only	ADV
ajase-3793	308	25	five	five	NUM
ajase-3793	308	26	(	(	PUNCT
ajase-3793	308	27	5	5	NUM
ajase-3793	308	28	)	)	PUNCT
ajase-3793	308	29	,	,	PUNCT
ajase-3793	308	30	representing	represent	VERB
ajase-3793	308	31	50	50	NUM
ajase-3793	308	32	%	%	NOUN
ajase-3793	308	33	of	of	ADP
ajase-3793	308	34	the	the	DET
ajase-3793	308	35	sample	sample	NOUN
ajase-3793	308	36	,	,	PUNCT
ajase-3793	308	37	participants	participant	NOUN
ajase-3793	308	38	noted	note	VERB
ajase-3793	308	39	an	an	DET
ajase-3793	308	40	improved	improved	ADJ
ajase-3793	308	41	understanding	understanding	NOUN
ajase-3793	308	42	of	of	ADP
ajase-3793	308	43	financial	financial	ADJ
ajase-3793	308	44	management	management	NOUN
ajase-3793	308	45	and	and	CCONJ
ajase-3793	308	46	budgeting	budgeting	NOUN
ajase-3793	308	47	,	,	PUNCT
ajase-3793	308	48	which	which	PRON
ajase-3793	308	49	contributed	contribute	VERB
ajase-3793	308	50	to	to	ADP
ajase-3793	308	51	better	well	ADJ
ajase-3793	308	52	financial	financial	ADJ
ajase-3793	308	53	decision	decision	NOUN
ajase-3793	308	54	-	-	PUNCT
ajase-3793	308	55	making	making	NOUN
ajase-3793	308	56	and	and	CCONJ
ajase-3793	308	57	planning	planning	NOUN
ajase-3793	308	58	.	.	PUNCT
ajase-3793	309	1	economic	economic	ADJ
ajase-3793	309	2	empowerment	empowerment	NOUN
ajase-3793	309	3	(	(	PUNCT
ajase-3793	309	4	b4	b4	NOUN
ajase-3793	309	5	)	)	PUNCT
ajase-3793	309	6	financial	financial	ADJ
ajase-3793	309	7	support	support	NOUN
ajase-3793	309	8	from	from	ADP
ajase-3793	309	9	the	the	DET
ajase-3793	309	10	cooperative	cooperative	ADJ
ajase-3793	309	11	empowered	empowered	ADJ
ajase-3793	309	12	participants	participant	NOUN
ajase-3793	309	13	economically	economically	ADV
ajase-3793	309	14	by	by	ADP
ajase-3793	309	15	enabling	enable	VERB
ajase-3793	309	16	them	they	PRON
ajase-3793	309	17	to	to	PART
ajase-3793	309	18	start	start	VERB
ajase-3793	309	19	or	or	CCONJ
ajase-3793	309	20	expand	expand	VERB
ajase-3793	309	21	small	small	ADJ
ajase-3793	309	22	businesses	business	NOUN
ajase-3793	309	23	.	.	PUNCT
ajase-3793	310	1	90	90	NUM
ajase-3793	310	2	%	%	NOUN
ajase-3793	310	3	of	of	ADP
ajase-3793	310	4	the	the	DET
ajase-3793	310	5	participants	participant	NOUN
ajase-3793	310	6	reported	report	VERB
ajase-3793	310	7	that	that	SCONJ
ajase-3793	310	8	such	such	ADJ
ajase-3793	310	9	initiatives	initiative	NOUN
ajase-3793	310	10	were	be	AUX
ajase-3793	310	11	instrumental	instrumental	ADJ
ajase-3793	310	12	in	in	ADP
ajase-3793	310	13	generating	generate	VERB
ajase-3793	310	14	income	income	NOUN
ajase-3793	310	15	and	and	CCONJ
ajase-3793	310	16	fostering	foster	VERB
ajase-3793	310	17	economic	economic	ADJ
ajase-3793	310	18	independence	independence	NOUN
ajase-3793	310	19	.	.	PUNCT
ajase-3793	311	1	improved	improve	VERB
ajase-3793	311	2	standard	standard	NOUN
ajase-3793	311	3	of	of	ADP
ajase-3793	311	4	living	living	NOUN
ajase-3793	311	5	(	(	PUNCT
ajase-3793	311	6	b5	b5	PROPN
ajase-3793	311	7	)	)	PUNCT
ajase-3793	311	8	the	the	DET
ajase-3793	311	9	financial	financial	ADJ
ajase-3793	311	10	resources	resource	NOUN
ajase-3793	311	11	provided	provide	VERB
ajase-3793	311	12	by	by	ADP
ajase-3793	311	13	the	the	DET
ajase-3793	311	14	cooperative	cooperative	ADJ
ajase-3793	311	15	significantly	significantly	ADV
ajase-3793	311	16	improved	improve	VERB
ajase-3793	311	17	participants	participant	NOUN
ajase-3793	311	18	’	'	PUNCT
ajase-3793	311	19	standard	standard	NOUN
ajase-3793	311	20	of	of	ADP
ajase-3793	311	21	living	living	NOUN
ajase-3793	311	22	.	.	PUNCT
ajase-3793	312	1	eight	eight	NUM
ajase-3793	312	2	participants	participant	NOUN
ajase-3793	312	3	,	,	PUNCT
ajase-3793	312	4	or	or	CCONJ
ajase-3793	312	5	80	80	NUM
ajase-3793	312	6	%	%	NOUN
ajase-3793	312	7	,	,	PUNCT
ajase-3793	312	8	reported	report	VERB
ajase-3793	312	9	that	that	SCONJ
ajase-3793	312	10	their	their	PRON
ajase-3793	312	11	family	family	NOUN
ajase-3793	312	12	’s	’s	PART
ajase-3793	312	13	quality	quality	NOUN
ajase-3793	312	14	of	of	ADP
ajase-3793	312	15	life	life	NOUN
ajase-3793	312	16	had	have	AUX
ajase-3793	312	17	improved	improve	VERB
ajase-3793	312	18	due	due	ADJ
ajase-3793	312	19	to	to	ADP
ajase-3793	312	20	the	the	DET
ajase-3793	312	21	financial	financial	ADJ
ajase-3793	312	22	stability	stability	NOUN
ajase-3793	312	23	and	and	CCONJ
ajase-3793	312	24	opportunities	opportunity	NOUN
ajase-3793	312	25	created	create	VERB
ajase-3793	312	26	through	through	ADP
ajase-3793	312	27	the	the	DET
ajase-3793	312	28	cooperatives	cooperative	NOUN
ajase-3793	312	29	’	'	PUNCT
ajase-3793	312	30	support	support	NOUN
ajase-3793	312	31	.	.	PUNCT
ajase-3793	313	1	challenges	challenge	NOUN
ajase-3793	313	2	hindering	hinder	VERB
ajase-3793	313	3	financial	financial	ADJ
ajase-3793	313	4	inclusion	inclusion	NOUN
ajase-3793	313	5	the	the	DET
ajase-3793	313	6	analysis	analysis	NOUN
ajase-3793	313	7	revealed	reveal	VERB
ajase-3793	313	8	several	several	ADJ
ajase-3793	313	9	themes	theme	NOUN
ajase-3793	313	10	regarding	regard	VERB
ajase-3793	313	11	the	the	DET
ajase-3793	313	12	challenges	challenge	NOUN
ajase-3793	313	13	faced	face	VERB
ajase-3793	313	14	by	by	ADP
ajase-3793	313	15	women	woman	NOUN
ajase-3793	313	16	in	in	ADP
ajase-3793	313	17	accessing	access	VERB
ajase-3793	313	18	financial	financial	ADJ
ajase-3793	313	19	services	service	NOUN
ajase-3793	313	20	.	.	PUNCT
ajase-3793	314	1	table	table	NOUN
ajase-3793	314	2	7	7	NUM
ajase-3793	314	3	presents	present	VERB
ajase-3793	314	4	a	a	DET
ajase-3793	314	5	thematic	thematic	ADJ
ajase-3793	314	6	analysis	analysis	NOUN
ajase-3793	314	7	of	of	ADP
ajase-3793	314	8	the	the	DET
ajase-3793	314	9	main	main	ADJ
ajase-3793	314	10	challenges	challenge	NOUN
ajase-3793	314	11	hindering	hinder	VERB
ajase-3793	314	12	financial	financial	ADJ
ajase-3793	314	13	inclusion	inclusion	NOUN
ajase-3793	314	14	for	for	ADP
ajase-3793	314	15	women	woman	NOUN
ajase-3793	314	16	at	at	ADP
ajase-3793	314	17	the	the	DET
ajase-3793	314	18	afri	afri	PROPN
ajase-3793	314	19	-	-	PUNCT
ajase-3793	314	20	zam	zam	PROPN
ajase-3793	314	21	co	co	NOUN
ajase-3793	314	22	-	-	ADJ
ajase-3793	314	23	operative	operative	ADJ
ajase-3793	314	24	.	.	PUNCT
ajase-3793	315	1	lengthy	lengthy	ADJ
ajase-3793	315	2	loan	loan	NOUN
ajase-3793	315	3	application	application	NOUN
ajase-3793	315	4	process	process	NOUN
ajase-3793	315	5	(	(	PUNCT
ajase-3793	315	6	c1	c1	PROPN
ajase-3793	315	7	)	)	PUNCT
ajase-3793	315	8	up	up	ADP
ajase-3793	315	9	to	to	PART
ajase-3793	315	10	80	80	NUM
ajase-3793	315	11	%	%	NOUN
ajase-3793	315	12	of	of	ADP
ajase-3793	315	13	the	the	DET
ajase-3793	315	14	participants	participant	NOUN
ajase-3793	315	15	(	(	PUNCT
ajase-3793	315	16	8/10	8/10	NUM
ajase-3793	315	17	)	)	PUNCT
ajase-3793	315	18	reported	report	VERB
ajase-3793	315	19	that	that	SCONJ
ajase-3793	315	20	the	the	DET
ajase-3793	315	21	loan	loan	NOUN
ajase-3793	315	22	application	application	NOUN
ajase-3793	315	23	process	process	NOUN
ajase-3793	315	24	was	be	AUX
ajase-3793	315	25	often	often	ADV
ajase-3793	315	26	lengthy	lengthy	ADJ
ajase-3793	315	27	,	,	PUNCT
ajase-3793	315	28	causing	cause	VERB
ajase-3793	315	29	delays	delay	NOUN
ajase-3793	315	30	in	in	ADP
ajase-3793	315	31	accessing	access	VERB
ajase-3793	315	32	the	the	DET
ajase-3793	315	33	necessary	necessary	ADJ
ajase-3793	315	34	funds	fund	NOUN
ajase-3793	315	35	.	.	PUNCT
ajase-3793	316	1	participant	participant	NOUN
ajase-3793	316	2	1	1	NUM
ajase-3793	316	3	mentioned	mention	VERB
ajase-3793	316	4	that	that	SCONJ
ajase-3793	316	5	the	the	DET
ajase-3793	316	6	extended	extended	ADJ
ajase-3793	316	7	application	application	NOUN
ajase-3793	316	8	periods	period	NOUN
ajase-3793	316	9	hindered	hinder	VERB
ajase-3793	316	10	timely	timely	ADJ
ajase-3793	316	11	financial	financial	ADJ
ajase-3793	316	12	support	support	NOUN
ajase-3793	316	13	.	.	PUNCT
ajase-3793	317	1	table	table	NOUN
ajase-3793	317	2	7	7	NUM
ajase-3793	317	3	:	:	PUNCT
ajase-3793	317	4	challenges	challenge	NOUN
ajase-3793	317	5	hindering	hinder	VERB
ajase-3793	317	6	financial	financial	ADJ
ajase-3793	317	7	inclusion	inclusion	NOUN
ajase-3793	317	8	theme	theme	NOUN
ajase-3793	317	9	code	code	NOUN
ajase-3793	317	10	representative	representative	NOUN
ajase-3793	317	11	statement	statement	NOUN
ajase-3793	317	12	/	/	SYM
ajase-3793	317	13	quote	quote	INTJ
ajase-3793	317	14	lengthy	lengthy	ADJ
ajase-3793	317	15	loan	loan	NOUN
ajase-3793	317	16	application	application	NOUN
ajase-3793	317	17	process	process	NOUN
ajase-3793	317	18	c1	c1	NOUN
ajase-3793	317	19	"	"	PUNCT
ajase-3793	317	20	sometimes	sometimes	ADV
ajase-3793	317	21	,	,	PUNCT
ajase-3793	317	22	the	the	DET
ajase-3793	317	23	loan	loan	NOUN
ajase-3793	317	24	application	application	NOUN
ajase-3793	317	25	process	process	NOUN
ajase-3793	317	26	is	be	AUX
ajase-3793	317	27	lengthy	lengthy	ADJ
ajase-3793	317	28	.	.	PUNCT
ajase-3793	317	29	"	"	PUNCT
ajase-3793	318	1	frequency	frequency	NOUN
ajase-3793	318	2	score	score	NOUN
ajase-3793	318	3	:	:	PUNCT
ajase-3793	318	4	80	80	NUM
ajase-3793	318	5	%	%	NOUN
ajase-3793	318	6	(	(	PUNCT
ajase-3793	318	7	8/10	8/10	NUM
ajase-3793	318	8	)	)	PUNCT
ajase-3793	318	9	delays	delay	NOUN
ajase-3793	318	10	in	in	ADP
ajase-3793	318	11	loan	loan	NOUN
ajase-3793	318	12	disbursement	disbursement	NOUN
ajase-3793	318	13	c2	c2	PROPN
ajase-3793	318	14	"	"	PUNCT
ajase-3793	318	15	there	there	PRON
ajase-3793	318	16	are	be	VERB
ajase-3793	318	17	occasional	occasional	ADJ
ajase-3793	318	18	delays	delay	NOUN
ajase-3793	318	19	in	in	ADP
ajase-3793	318	20	loan	loan	NOUN
ajase-3793	318	21	disbursement	disbursement	NOUN
ajase-3793	318	22	.	.	PUNCT
ajase-3793	318	23	"	"	PUNCT
ajase-3793	319	1	frequency	frequency	NOUN
ajase-3793	319	2	score	score	NOUN
ajase-3793	319	3	:	:	PUNCT
ajase-3793	319	4	60	60	NUM
ajase-3793	319	5	%	%	NOUN
ajase-3793	319	6	(	(	PUNCT
ajase-3793	319	7	6/10	6/10	NUM
ajase-3793	319	8	)	)	PUNCT
ajase-3793	319	9	limited	limited	ADJ
ajase-3793	319	10	availability	availability	NOUN
ajase-3793	319	11	of	of	ADP
ajase-3793	319	12	financial	financial	ADJ
ajase-3793	319	13	products	product	NOUN
ajase-3793	319	14	c3	c3	NOUN
ajase-3793	319	15	“	"	PUNCT
ajase-3793	319	16	limited	limited	ADJ
ajase-3793	319	17	availability	availability	NOUN
ajase-3793	319	18	of	of	ADP
ajase-3793	319	19	financial	financial	ADJ
ajase-3793	319	20	products	product	NOUN
ajase-3793	319	21	.	.	PUNCT
ajase-3793	319	22	”	"	PUNCT
ajase-3793	320	1	frequency	frequency	NOUN
ajase-3793	320	2	score	score	NOUN
ajase-3793	320	3	:	:	PUNCT
ajase-3793	320	4	80	80	NUM
ajase-3793	320	5	%	%	NOUN
ajase-3793	320	6	(	(	PUNCT
ajase-3793	320	7	8/10	8/10	NUM
ajase-3793	320	8	)	)	PUNCT
ajase-3793	320	9	high	high	ADJ
ajase-3793	320	10	demand	demand	NOUN
ajase-3793	320	11	for	for	ADP
ajase-3793	320	12	loans	loan	NOUN
ajase-3793	320	13	causes	cause	NOUN
ajase-3793	320	14	wait	wait	VERB
ajase-3793	320	15	times	time	NOUN
ajase-3793	320	16	c4	c4	NOUN
ajase-3793	320	17	"	"	PUNCT
ajase-3793	320	18	high	high	ADJ
ajase-3793	320	19	demand	demand	NOUN
ajase-3793	320	20	for	for	ADP
ajase-3793	320	21	loans	loan	NOUN
ajase-3793	320	22	causes	cause	VERB
ajase-3793	320	23	long	long	ADJ
ajase-3793	320	24	waiting	waiting	NOUN
ajase-3793	320	25	periods	period	NOUN
ajase-3793	320	26	.	.	PUNCT
ajase-3793	320	27	"	"	PUNCT
ajase-3793	321	1	frequency	frequency	NOUN
ajase-3793	321	2	score	score	NOUN
ajase-3793	321	3	:	:	PUNCT
ajase-3793	321	4	90	90	NUM
ajase-3793	321	5	%	%	NOUN
ajase-3793	321	6	(	(	PUNCT
ajase-3793	321	7	9/10	9/10	NUM
ajase-3793	321	8	)	)	PUNCT
ajase-3793	321	9	difficulty	difficulty	NOUN
ajase-3793	321	10	understanding	understand	VERB
ajase-3793	321	11	financial	financial	ADJ
ajase-3793	321	12	terms	term	NOUN
ajase-3793	321	13	c5	c5	PROPN
ajase-3793	321	14	"	"	PUNCT
ajase-3793	321	15	difficulty	difficulty	NOUN
ajase-3793	321	16	in	in	ADP
ajase-3793	321	17	understanding	understand	VERB
ajase-3793	321	18	some	some	DET
ajase-3793	321	19	financial	financial	ADJ
ajase-3793	321	20	terms	term	NOUN
ajase-3793	321	21	and	and	CCONJ
ajase-3793	321	22	conditions	condition	NOUN
ajase-3793	321	23	.	.	PUNCT
ajase-3793	321	24	"	"	PUNCT
ajase-3793	322	1	frequency	frequency	NOUN
ajase-3793	322	2	score	score	NOUN
ajase-3793	322	3	:	:	PUNCT
ajase-3793	322	4	60	60	NUM
ajase-3793	322	5	%	%	NOUN
ajase-3793	322	6	(	(	PUNCT
ajase-3793	322	7	6/10	6/10	NUM
ajase-3793	322	8	)	)	PUNCT
ajase-3793	322	9	delays	delay	NOUN
ajase-3793	322	10	in	in	ADP
ajase-3793	322	11	loan	loan	NOUN
ajase-3793	322	12	disbursement	disbursement	NOUN
ajase-3793	322	13	(	(	PUNCT
ajase-3793	322	14	c2	c2	PROPN
ajase-3793	322	15	)	)	PUNCT
ajase-3793	322	16	participants	participant	NOUN
ajase-3793	322	17	(	(	PUNCT
ajase-3793	322	18	60	60	NUM
ajase-3793	322	19	%	%	NOUN
ajase-3793	322	20	)	)	PUNCT
ajase-3793	322	21	reported	report	VERB
ajase-3793	322	22	occasional	occasional	ADJ
ajase-3793	322	23	delays	delay	NOUN
ajase-3793	322	24	as	as	ADP
ajase-3793	322	25	a	a	DET
ajase-3793	322	26	significant	significant	ADJ
ajase-3793	322	27	challenge	challenge	NOUN
ajase-3793	322	28	.	.	PUNCT
ajase-3793	323	1	such	such	ADJ
ajase-3793	323	2	delays	delay	NOUN
ajase-3793	323	3	affected	affect	VERB
ajase-3793	323	4	participants	participant	NOUN
ajase-3793	323	5	’	'	PUNCT
ajase-3793	323	6	ability	ability	NOUN
ajase-3793	323	7	to	to	PART
ajase-3793	323	8	use	use	VERB
ajase-3793	323	9	the	the	DET
ajase-3793	323	10	funds	fund	NOUN
ajase-3793	323	11	effectively	effectively	ADV
ajase-3793	323	12	for	for	ADP
ajase-3793	323	13	their	their	PRON
ajase-3793	323	14	intended	intend	VERB
ajase-3793	323	15	purposes	purpose	NOUN
ajase-3793	323	16	.	.	PUNCT
ajase-3793	324	1	limited	limited	ADJ
ajase-3793	324	2	availability	availability	NOUN
ajase-3793	324	3	of	of	ADP
ajase-3793	324	4	financial	financial	ADJ
ajase-3793	324	5	products	product	NOUN
ajase-3793	324	6	(	(	PUNCT
ajase-3793	324	7	c3	c3	PROPN
ajase-3793	324	8	)	)	PUNCT
ajase-3793	324	9	eight	eight	NUM
ajase-3793	324	10	participants	participant	NOUN
ajase-3793	324	11	,	,	PUNCT
ajase-3793	324	12	or	or	CCONJ
ajase-3793	324	13	80	80	NUM
ajase-3793	324	14	%	%	NOUN
ajase-3793	324	15	of	of	ADP
ajase-3793	324	16	the	the	DET
ajase-3793	324	17	sample	sample	NOUN
ajase-3793	324	18	,	,	PUNCT
ajase-3793	324	19	expressed	express	VERB
ajase-3793	324	20	concerns	concern	NOUN
ajase-3793	324	21	about	about	ADP
ajase-3793	324	22	the	the	DET
ajase-3793	324	23	limited	limited	ADJ
ajase-3793	324	24	availability	availability	NOUN
ajase-3793	324	25	of	of	ADP
ajase-3793	324	26	financial	financial	ADJ
ajase-3793	324	27	products	product	NOUN
ajase-3793	324	28	.	.	PUNCT
ajase-3793	325	1	these	these	DET
ajase-3793	325	2	participants	participant	NOUN
ajase-3793	325	3	reported	report	VERB
ajase-3793	325	4	that	that	SCONJ
ajase-3793	325	5	the	the	DET
ajase-3793	325	6	cooperative	cooperative	NOUN
ajase-3793	325	7	needed	need	VERB
ajase-3793	325	8	to	to	PART
ajase-3793	325	9	offer	offer	VERB
ajase-3793	325	10	a	a	DET
ajase-3793	325	11	wider	wide	ADJ
ajase-3793	325	12	range	range	NOUN
ajase-3793	325	13	of	of	ADP
ajase-3793	325	14	financial	financial	ADJ
ajase-3793	325	15	products	product	NOUN
ajase-3793	325	16	to	to	PART
ajase-3793	325	17	meet	meet	VERB
ajase-3793	325	18	diverse	diverse	ADJ
ajase-3793	325	19	needs	need	NOUN
ajase-3793	325	20	.	.	PUNCT
ajase-3793	326	1	pa	pa	PROPN
ajase-3793	326	2	ge	ge	PROPN
ajase-3793	326	3	16	16	NUM
ajase-3793	326	4	4	4	NUM
ajase-3793	326	5	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	326	6	am	am	NOUN
ajase-3793	326	7	.	.	PUNCT
ajase-3793	327	1	j.	j.	PROPN
ajase-3793	327	2	appl	appl	PROPN
ajase-3793	327	3	.	.	PROPN
ajase-3793	328	1	stat	stat	PROPN
ajase-3793	328	2	.	.	PUNCT
ajase-3793	329	1	econ	econ	PROPN
ajase-3793	329	2	.	.	PUNCT
ajase-3793	330	1	3(1	3(1	NUM
ajase-3793	330	2	)	)	PUNCT
ajase-3793	330	3	154	154	NUM
ajase-3793	330	4	-	-	SYM
ajase-3793	330	5	166	166	NUM
ajase-3793	330	6	,	,	PUNCT
ajase-3793	330	7	2024	2024	NUM
ajase-3793	330	8	high	high	ADJ
ajase-3793	330	9	demand	demand	NOUN
ajase-3793	330	10	for	for	ADP
ajase-3793	330	11	loans	loan	NOUN
ajase-3793	330	12	causing	cause	VERB
ajase-3793	330	13	wait	wait	VERB
ajase-3793	330	14	times	time	NOUN
ajase-3793	330	15	(	(	PUNCT
ajase-3793	330	16	c4	c4	NOUN
ajase-3793	330	17	)	)	PUNCT
ajase-3793	330	18	up	up	ADP
ajase-3793	330	19	to	to	PART
ajase-3793	330	20	90	90	NUM
ajase-3793	330	21	%	%	NOUN
ajase-3793	330	22	of	of	ADP
ajase-3793	330	23	the	the	DET
ajase-3793	330	24	participants	participant	NOUN
ajase-3793	330	25	(	(	PUNCT
ajase-3793	330	26	9/10	9/10	NUM
ajase-3793	330	27	)	)	PUNCT
ajase-3793	330	28	reported	report	VERB
ajase-3793	330	29	that	that	SCONJ
ajase-3793	330	30	the	the	DET
ajase-3793	330	31	high	high	ADJ
ajase-3793	330	32	demand	demand	NOUN
ajase-3793	330	33	for	for	ADP
ajase-3793	330	34	loans	loan	NOUN
ajase-3793	330	35	resulted	result	VERB
ajase-3793	330	36	in	in	ADP
ajase-3793	330	37	waiting	wait	VERB
ajase-3793	330	38	periods	period	NOUN
ajase-3793	330	39	delaying	delay	VERB
ajase-3793	330	40	access	access	NOUN
ajase-3793	330	41	to	to	ADP
ajase-3793	330	42	financial	financial	ADJ
ajase-3793	330	43	resources	resource	NOUN
ajase-3793	330	44	.	.	PUNCT
ajase-3793	331	1	this	this	DET
ajase-3793	331	2	theme	theme	NOUN
ajase-3793	331	3	underscored	underscore	VERB
ajase-3793	331	4	the	the	DET
ajase-3793	331	5	need	need	NOUN
ajase-3793	331	6	for	for	SCONJ
ajase-3793	331	7	the	the	DET
ajase-3793	331	8	afri	afri	PROPN
ajase-3793	331	9	-	-	PUNCT
ajase-3793	331	10	zam	zam	PROPN
ajase-3793	331	11	cooperative	cooperative	NOUN
ajase-3793	331	12	to	to	PART
ajase-3793	331	13	manage	manage	VERB
ajase-3793	331	14	loan	loan	NOUN
ajase-3793	331	15	demand	demand	NOUN
ajase-3793	331	16	more	more	ADV
ajase-3793	331	17	efficiently	efficiently	ADV
ajase-3793	331	18	.	.	PUNCT
ajase-3793	332	1	table	table	NOUN
ajase-3793	332	2	8	8	NUM
ajase-3793	332	3	:	:	PUNCT
ajase-3793	332	4	strategies	strategy	NOUN
ajase-3793	332	5	for	for	ADP
ajase-3793	332	6	overcoming	overcome	VERB
ajase-3793	332	7	barriers	barrier	NOUN
ajase-3793	332	8	theme	theme	NOUN
ajase-3793	332	9	code	code	NOUN
ajase-3793	332	10	representative	representative	NOUN
ajase-3793	332	11	quote	quote	INTJ
ajase-3793	332	12	financial	financial	ADJ
ajase-3793	332	13	education	education	NOUN
ajase-3793	332	14	and	and	CCONJ
ajase-3793	332	15	awareness	awareness	NOUN
ajase-3793	332	16	s1	s1	NOUN
ajase-3793	332	17	"	"	PUNCT
ajase-3793	332	18	providing	provide	VERB
ajase-3793	332	19	more	more	ADJ
ajase-3793	332	20	financial	financial	ADJ
ajase-3793	332	21	education	education	NOUN
ajase-3793	332	22	and	and	CCONJ
ajase-3793	332	23	awareness	awareness	NOUN
ajase-3793	332	24	programs	program	NOUN
ajase-3793	332	25	.	.	PUNCT
ajase-3793	332	26	"	"	PUNCT
ajase-3793	333	1	frequency	frequency	NOUN
ajase-3793	333	2	score	score	NOUN
ajase-3793	333	3	:	:	PUNCT
ajase-3793	333	4	70	70	NUM
ajase-3793	333	5	%	%	NOUN
ajase-3793	333	6	(	(	PUNCT
ajase-3793	333	7	7/10	7/10	NUM
ajase-3793	333	8	)	)	PUNCT
ajase-3793	333	9	family	family	NOUN
ajase-3793	333	10	support	support	NOUN
ajase-3793	333	11	for	for	ADP
ajase-3793	333	12	women	woman	NOUN
ajase-3793	333	13	's	's	PART
ajase-3793	333	14	involvement	involvement	NOUN
ajase-3793	333	15	s2	s2	NOUN
ajase-3793	333	16	"	"	PUNCT
ajase-3793	333	17	encouraging	encourage	VERB
ajase-3793	333	18	family	family	NOUN
ajase-3793	333	19	support	support	NOUN
ajase-3793	333	20	for	for	ADP
ajase-3793	333	21	women	woman	NOUN
ajase-3793	333	22	’s	’s	PART
ajase-3793	333	23	financial	financial	ADJ
ajase-3793	333	24	involvement	involvement	NOUN
ajase-3793	333	25	.	.	PUNCT
ajase-3793	333	26	"	"	PUNCT
ajase-3793	334	1	frequency	frequency	NOUN
ajase-3793	334	2	score	score	NOUN
ajase-3793	334	3	:	:	PUNCT
ajase-3793	334	4	60	60	NUM
ajase-3793	334	5	%	%	NOUN
ajase-3793	334	6	(	(	PUNCT
ajase-3793	334	7	6/10	6/10	PROPN
ajase-3793	334	8	)	)	PUNCT
ajase-3793	334	9	increased	increase	VERB
ajase-3793	334	10	outreach	outreach	NOUN
ajase-3793	334	11	and	and	CCONJ
ajase-3793	334	12	information	information	NOUN
ajase-3793	334	13	dissemination	dissemination	NOUN
ajase-3793	334	14	s3	s3	PROPN
ajase-3793	334	15	"	"	PUNCT
ajase-3793	334	16	increasing	increase	VERB
ajase-3793	334	17	outreach	outreach	NOUN
ajase-3793	334	18	and	and	CCONJ
ajase-3793	334	19	information	information	NOUN
ajase-3793	334	20	dissemination	dissemination	NOUN
ajase-3793	334	21	.	.	PUNCT
ajase-3793	334	22	"	"	PUNCT
ajase-3793	335	1	frequency	frequency	NOUN
ajase-3793	335	2	score	score	NOUN
ajase-3793	335	3	:	:	PUNCT
ajase-3793	335	4	70	70	NUM
ajase-3793	335	5	%	%	NOUN
ajase-3793	335	6	(	(	PUNCT
ajase-3793	335	7	7/10	7/10	NUM
ajase-3793	335	8	)	)	PUNCT
ajase-3793	335	9	training	training	NOUN
ajase-3793	335	10	in	in	ADP
ajase-3793	335	11	financial	financial	ADJ
ajase-3793	335	12	management	management	NOUN
ajase-3793	335	13	s4	s4	NOUN
ajase-3793	335	14	"	"	PUNCT
ajase-3793	335	15	offering	offer	VERB
ajase-3793	335	16	more	more	ADJ
ajase-3793	335	17	training	training	NOUN
ajase-3793	335	18	on	on	ADP
ajase-3793	335	19	financial	financial	ADJ
ajase-3793	335	20	management	management	NOUN
ajase-3793	335	21	.	.	PUNCT
ajase-3793	335	22	"	"	PUNCT
ajase-3793	336	1	90	90	NUM
ajase-3793	336	2	%	%	NOUN
ajase-3793	336	3	(	(	PUNCT
ajase-3793	336	4	9/10	9/10	NUM
ajase-3793	336	5	)	)	PUNCT
ajase-3793	336	6	inclusive	inclusive	ADJ
ajase-3793	336	7	and	and	CCONJ
ajase-3793	336	8	supportive	supportive	ADJ
ajase-3793	336	9	environments	environment	NOUN
ajase-3793	336	10	s5	s5	PROPN
ajase-3793	336	11	"	"	PUNCT
ajase-3793	336	12	creating	create	VERB
ajase-3793	336	13	more	more	ADJ
ajase-3793	336	14	inclusive	inclusive	ADJ
ajase-3793	336	15	and	and	CCONJ
ajase-3793	336	16	supportive	supportive	ADJ
ajase-3793	336	17	environments	environment	NOUN
ajase-3793	336	18	.	.	PUNCT
ajase-3793	336	19	"	"	PUNCT
ajase-3793	337	1	100	100	NUM
ajase-3793	337	2	%	%	NOUN
ajase-3793	337	3	(	(	PUNCT
ajase-3793	337	4	10/10	10/10	NUM
ajase-3793	337	5	)	)	PUNCT
ajase-3793	337	6	source	source	NOUN
ajase-3793	337	7	:	:	PUNCT
ajase-3793	337	8	authors	author	NOUN
ajase-3793	337	9	’	'	PUNCT
ajase-3793	337	10	elaboration	elaboration	NOUN
ajase-3793	337	11	suggested	suggest	VERB
ajase-3793	337	12	strategies	strategy	NOUN
ajase-3793	337	13	for	for	ADP
ajase-3793	337	14	overcoming	overcome	VERB
ajase-3793	337	15	barriers	barrier	NOUN
ajase-3793	337	16	to	to	ADP
ajase-3793	337	17	financial	financial	ADJ
ajase-3793	337	18	inclusion	inclusion	NOUN
ajase-3793	337	19	for	for	ADP
ajase-3793	337	20	women	woman	NOUN
ajase-3793	337	21	table	table	NOUN
ajase-3793	337	22	8	8	NUM
ajase-3793	337	23	reports	report	VERB
ajase-3793	337	24	the	the	DET
ajase-3793	337	25	suggested	suggest	VERB
ajase-3793	337	26	strategies	strategy	NOUN
ajase-3793	337	27	by	by	ADP
ajase-3793	337	28	participants	participant	NOUN
ajase-3793	337	29	for	for	ADP
ajase-3793	337	30	overcoming	overcome	VERB
ajase-3793	337	31	barriers	barrier	NOUN
ajase-3793	337	32	to	to	ADP
ajase-3793	337	33	financial	financial	ADJ
ajase-3793	337	34	inclusion	inclusion	NOUN
ajase-3793	337	35	for	for	ADP
ajase-3793	337	36	women	woman	NOUN
ajase-3793	337	37	at	at	ADP
ajase-3793	337	38	the	the	DET
ajase-3793	337	39	afri	afri	PROPN
ajase-3793	337	40	-	-	PUNCT
ajase-3793	337	41	zam	zam	PROPN
ajase-3793	337	42	co	co	NOUN
ajase-3793	337	43	-	-	ADJ
ajase-3793	337	44	operative	operative	ADJ
ajase-3793	337	45	.	.	PUNCT
ajase-3793	338	1	conclusion	conclusion	NOUN
ajase-3793	338	2	this	this	DET
ajase-3793	338	3	study	study	NOUN
ajase-3793	338	4	explores	explore	VERB
ajase-3793	338	5	the	the	DET
ajase-3793	338	6	link	link	NOUN
ajase-3793	338	7	between	between	ADP
ajase-3793	338	8	the	the	DET
ajase-3793	338	9	“	"	PUNCT
ajase-3793	338	10	village	village	NOUN
ajase-3793	338	11	”	"	PUNCT
ajase-3793	338	12	(	(	PUNCT
ajase-3793	338	13	microcredit	microcredit	NOUN
ajase-3793	338	14	)	)	PUNCT
ajase-3793	338	15	banking	banking	NOUN
ajase-3793	338	16	model	model	NOUN
ajase-3793	338	17	and	and	CCONJ
ajase-3793	338	18	women	woman	NOUN
ajase-3793	338	19	’s	’s	PART
ajase-3793	338	20	financial	financial	ADJ
ajase-3793	338	21	inclusion	inclusion	NOUN
ajase-3793	338	22	in	in	ADP
ajase-3793	338	23	zambia	zambia	PROPN
ajase-3793	338	24	,	,	PUNCT
ajase-3793	338	25	using	use	VERB
ajase-3793	338	26	the	the	DET
ajase-3793	338	27	afrizam	afrizam	PROPN
ajase-3793	338	28	cooperative	cooperative	NOUN
ajase-3793	338	29	as	as	ADP
ajase-3793	338	30	a	a	DET
ajase-3793	338	31	case	case	NOUN
ajase-3793	338	32	study	study	NOUN
ajase-3793	338	33	.	.	PUNCT
ajase-3793	339	1	it	it	PRON
ajase-3793	339	2	employs	employ	VERB
ajase-3793	339	3	multiple	multiple	ADJ
ajase-3793	339	4	regression	regression	NOUN
ajase-3793	339	5	and	and	CCONJ
ajase-3793	339	6	correlational	correlational	ADJ
ajase-3793	339	7	analyses	analysis	NOUN
ajase-3793	339	8	for	for	ADP
ajase-3793	339	9	quantitative	quantitative	ADJ
ajase-3793	339	10	data	datum	NOUN
ajase-3793	339	11	alongside	alongside	ADP
ajase-3793	339	12	thematic	thematic	ADJ
ajase-3793	339	13	analysis	analysis	NOUN
ajase-3793	339	14	for	for	ADP
ajase-3793	339	15	qualitative	qualitative	ADJ
ajase-3793	339	16	insights	insight	NOUN
ajase-3793	339	17	.	.	PUNCT
ajase-3793	340	1	the	the	DET
ajase-3793	340	2	findings	finding	NOUN
ajase-3793	340	3	reveal	reveal	VERB
ajase-3793	340	4	that	that	SCONJ
ajase-3793	340	5	cooperative	cooperative	ADJ
ajase-3793	340	6	models	model	NOUN
ajase-3793	340	7	significantly	significantly	ADV
ajase-3793	340	8	enhance	enhance	VERB
ajase-3793	340	9	women	woman	NOUN
ajase-3793	340	10	’s	’s	PART
ajase-3793	340	11	financial	financial	ADJ
ajase-3793	340	12	inclusion	inclusion	NOUN
ajase-3793	340	13	,	,	PUNCT
ajase-3793	340	14	with	with	ADP
ajase-3793	340	15	key	key	ADJ
ajase-3793	340	16	factors	factor	NOUN
ajase-3793	340	17	like	like	ADP
ajase-3793	340	18	savings	saving	NOUN
ajase-3793	340	19	,	,	PUNCT
ajase-3793	340	20	credit	credit	NOUN
ajase-3793	340	21	access	access	NOUN
ajase-3793	340	22	,	,	PUNCT
ajase-3793	340	23	and	and	CCONJ
ajase-3793	340	24	social	social	ADJ
ajase-3793	340	25	capital	capital	NOUN
ajase-3793	340	26	contributing	contribute	VERB
ajase-3793	340	27	to	to	ADP
ajase-3793	340	28	a	a	DET
ajase-3793	340	29	61.6	61.6	NUM
ajase-3793	340	30	%	%	NOUN
ajase-3793	340	31	explanatory	explanatory	ADJ
ajase-3793	340	32	power	power	NOUN
ajase-3793	340	33	in	in	ADP
ajase-3793	340	34	the	the	DET
ajase-3793	340	35	regression	regression	NOUN
ajase-3793	340	36	model	model	NOUN
ajase-3793	340	37	.	.	PUNCT
ajase-3793	341	1	specifically	specifically	ADV
ajase-3793	341	2	,	,	PUNCT
ajase-3793	341	3	a	a	DET
ajase-3793	341	4	1	1	NUM
ajase-3793	341	5	%	%	NOUN
ajase-3793	341	6	increase	increase	NOUN
ajase-3793	341	7	in	in	ADP
ajase-3793	341	8	these	these	DET
ajase-3793	341	9	variables	variable	NOUN
ajase-3793	341	10	correlates	correlate	VERB
ajase-3793	341	11	with	with	ADP
ajase-3793	341	12	increases	increase	NOUN
ajase-3793	341	13	in	in	ADP
ajase-3793	341	14	financial	financial	ADJ
ajase-3793	341	15	inclusion	inclusion	NOUN
ajase-3793	341	16	of	of	ADP
ajase-3793	341	17	25.5	25.5	NUM
ajase-3793	341	18	%	%	NOUN
ajase-3793	341	19	,	,	PUNCT
ajase-3793	341	20	28.1	28.1	NUM
ajase-3793	341	21	%	%	NOUN
ajase-3793	341	22	,	,	PUNCT
ajase-3793	341	23	and	and	CCONJ
ajase-3793	341	24	44.3	44.3	NUM
ajase-3793	341	25	%	%	NOUN
ajase-3793	341	26	,	,	PUNCT
ajase-3793	341	27	respectively	respectively	ADV
ajase-3793	341	28	.	.	PUNCT
ajase-3793	342	1	additionally	additionally	ADV
ajase-3793	342	2	,	,	PUNCT
ajase-3793	342	3	gender	gender	NOUN
ajase-3793	342	4	disparities	disparity	NOUN
ajase-3793	342	5	negatively	negatively	ADV
ajase-3793	342	6	affect	affect	VERB
ajase-3793	342	7	women	woman	NOUN
ajase-3793	342	8	’s	’s	PART
ajase-3793	342	9	financial	financial	ADJ
ajase-3793	342	10	inclusion	inclusion	NOUN
ajase-3793	342	11	,	,	PUNCT
ajase-3793	342	12	supporting	support	VERB
ajase-3793	342	13	previous	previous	ADJ
ajase-3793	342	14	research	research	NOUN
ajase-3793	342	15	by	by	ADP
ajase-3793	342	16	frisancho	frisancho	PROPN
ajase-3793	342	17	&	&	CCONJ
ajase-3793	342	18	valdivia	valdivia	PROPN
ajase-3793	342	19	(	(	PUNCT
ajase-3793	342	20	2020	2020	NUM
ajase-3793	342	21	)	)	PUNCT
ajase-3793	342	22	on	on	ADP
ajase-3793	342	23	the	the	DET
ajase-3793	342	24	positive	positive	ADJ
ajase-3793	342	25	impact	impact	NOUN
ajase-3793	342	26	of	of	ADP
ajase-3793	342	27	savings	saving	NOUN
ajase-3793	342	28	and	and	CCONJ
ajase-3793	342	29	credit	credit	NOUN
ajase-3793	342	30	access	access	NOUN
ajase-3793	342	31	in	in	ADP
ajase-3793	342	32	rural	rural	ADJ
ajase-3793	342	33	peru	peru	PROPN
ajase-3793	342	34	.	.	PUNCT
ajase-3793	343	1	the	the	DET
ajase-3793	343	2	study	study	NOUN
ajase-3793	343	3	identified	identify	VERB
ajase-3793	343	4	challenges	challenge	NOUN
ajase-3793	343	5	to	to	ADP
ajase-3793	343	6	women	woman	NOUN
ajase-3793	343	7	’s	’s	PART
ajase-3793	343	8	financial	financial	ADJ
ajase-3793	343	9	inclusion	inclusion	NOUN
ajase-3793	343	10	at	at	ADP
ajase-3793	343	11	afri	afri	PROPN
ajase-3793	343	12	-	-	PUNCT
ajase-3793	343	13	zam	zam	PROPN
ajase-3793	343	14	,	,	PUNCT
ajase-3793	343	15	particularly	particularly	ADV
ajase-3793	343	16	administrative	administrative	ADJ
ajase-3793	343	17	inefficiencies	inefficiency	NOUN
ajase-3793	343	18	and	and	CCONJ
ajase-3793	343	19	lack	lack	NOUN
ajase-3793	343	20	of	of	ADP
ajase-3793	343	21	policy	policy	NOUN
ajase-3793	343	22	support	support	NOUN
ajase-3793	343	23	,	,	PUNCT
ajase-3793	343	24	aligning	align	VERB
ajase-3793	343	25	with	with	ADP
ajase-3793	343	26	the	the	DET
ajase-3793	343	27	broader	broad	ADJ
ajase-3793	343	28	literature	literature	NOUN
ajase-3793	343	29	on	on	ADP
ajase-3793	343	30	microfinance	microfinance	NOUN
ajase-3793	343	31	limitations	limitation	NOUN
ajase-3793	343	32	(	(	PUNCT
ajase-3793	343	33	pare	pare	NOUN
ajase-3793	343	34	,	,	PUNCT
ajase-3793	343	35	2021	2021	NUM
ajase-3793	343	36	)	)	PUNCT
ajase-3793	343	37	.	.	PUNCT
ajase-3793	344	1	qualitative	qualitative	ADJ
ajase-3793	344	2	data	datum	NOUN
ajase-3793	344	3	underscored	underscore	VERB
ajase-3793	344	4	the	the	DET
ajase-3793	344	5	importance	importance	NOUN
ajase-3793	344	6	of	of	ADP
ajase-3793	344	7	capacity	capacity	NOUN
ajase-3793	344	8	-	-	PUNCT
ajase-3793	344	9	building	building	NOUN
ajase-3793	344	10	and	and	CCONJ
ajase-3793	344	11	policy	policy	NOUN
ajase-3793	344	12	advocacy	advocacy	NOUN
ajase-3793	344	13	in	in	ADP
ajase-3793	344	14	promoting	promote	VERB
ajase-3793	344	15	inclusive	inclusive	ADJ
ajase-3793	344	16	financial	financial	ADJ
ajase-3793	344	17	practices	practice	NOUN
ajase-3793	344	18	for	for	ADP
ajase-3793	344	19	women	woman	NOUN
ajase-3793	344	20	.	.	PUNCT
ajase-3793	345	1	similar	similar	ADJ
ajase-3793	345	2	issues	issue	NOUN
ajase-3793	345	3	were	be	AUX
ajase-3793	345	4	noted	note	VERB
ajase-3793	345	5	in	in	ADP
ajase-3793	345	6	village	village	NOUN
ajase-3793	345	7	savings	saving	NOUN
ajase-3793	345	8	and	and	CCONJ
ajase-3793	345	9	loan	loan	NOUN
ajase-3793	345	10	associations	association	NOUN
ajase-3793	345	11	in	in	ADP
ajase-3793	345	12	zimbabwe	zimbabwe	PROPN
ajase-3793	345	13	and	and	CCONJ
ajase-3793	345	14	malawi	malawi	PROPN
ajase-3793	345	15	(	(	PUNCT
ajase-3793	345	16	mbiro	mbiro	PROPN
ajase-3793	345	17	&	&	CCONJ
ajase-3793	345	18	ndlovu	ndlovu	PROPN
ajase-3793	345	19	,	,	PUNCT
ajase-3793	345	20	2021	2021	NUM
ajase-3793	345	21	;	;	PUNCT
ajase-3793	345	22	maganga	maganga	NOUN
ajase-3793	345	23	,	,	PUNCT
ajase-3793	345	24	2021	2021	NUM
ajase-3793	345	25	)	)	PUNCT
ajase-3793	345	26	,	,	PUNCT
ajase-3793	345	27	highlighting	highlight	VERB
ajase-3793	345	28	the	the	DET
ajase-3793	345	29	need	need	NOUN
ajase-3793	345	30	for	for	ADP
ajase-3793	345	31	regulatory	regulatory	ADJ
ajase-3793	345	32	reforms	reform	NOUN
ajase-3793	345	33	and	and	CCONJ
ajase-3793	345	34	community	community	NOUN
ajase-3793	345	35	solutions	solution	NOUN
ajase-3793	345	36	.	.	PUNCT
ajase-3793	346	1	policy	policy	NOUN
ajase-3793	346	2	recommendations	recommendation	NOUN
ajase-3793	346	3	include	include	VERB
ajase-3793	346	4	enhancing	enhance	VERB
ajase-3793	346	5	savings	saving	NOUN
ajase-3793	346	6	initiatives	initiative	NOUN
ajase-3793	346	7	,	,	PUNCT
ajase-3793	346	8	improving	improve	VERB
ajase-3793	346	9	women	woman	NOUN
ajase-3793	346	10	’s	’s	PART
ajase-3793	346	11	credit	credit	NOUN
ajase-3793	346	12	access	access	NOUN
ajase-3793	346	13	,	,	PUNCT
ajase-3793	346	14	streamlining	streamline	VERB
ajase-3793	346	15	bureaucratic	bureaucratic	ADJ
ajase-3793	346	16	processes	process	NOUN
ajase-3793	346	17	,	,	PUNCT
ajase-3793	346	18	and	and	CCONJ
ajase-3793	346	19	continuing	continue	VERB
ajase-3793	346	20	financial	financial	ADJ
ajase-3793	346	21	literacy	literacy	NOUN
ajase-3793	346	22	campaigns	campaign	NOUN
ajase-3793	346	23	.	.	PUNCT
ajase-3793	347	1	the	the	DET
ajase-3793	347	2	study	study	NOUN
ajase-3793	347	3	’s	’s	PART
ajase-3793	347	4	context	context	NOUN
ajase-3793	347	5	in	in	ADP
ajase-3793	347	6	zambia	zambia	PROPN
ajase-3793	347	7	may	may	AUX
ajase-3793	347	8	not	not	PART
ajase-3793	347	9	reflect	reflect	VERB
ajase-3793	347	10	the	the	DET
ajase-3793	347	11	diverse	diverse	ADJ
ajase-3793	347	12	experiences	experience	NOUN
ajase-3793	347	13	of	of	ADP
ajase-3793	347	14	women	woman	NOUN
ajase-3793	347	15	in	in	ADP
ajase-3793	347	16	other	other	ADJ
ajase-3793	347	17	regions	region	NOUN
ajase-3793	347	18	or	or	CCONJ
ajase-3793	347	19	countries	country	NOUN
ajase-3793	347	20	.	.	PUNCT
ajase-3793	348	1	the	the	DET
ajase-3793	348	2	study	study	NOUN
ajase-3793	348	3	recommends	recommend	VERB
ajase-3793	348	4	that	that	SCONJ
ajase-3793	348	5	future	future	ADJ
ajase-3793	348	6	studies	study	NOUN
ajase-3793	348	7	conduct	conduct	VERB
ajase-3793	348	8	longitudinal	longitudinal	ADJ
ajase-3793	348	9	studies	study	NOUN
ajase-3793	348	10	that	that	PRON
ajase-3793	348	11	will	will	AUX
ajase-3793	348	12	employ	employ	VERB
ajase-3793	348	13	diverse	diverse	ADJ
ajase-3793	348	14	sampling	sampling	NOUN
ajase-3793	348	15	strategies	strategy	NOUN
ajase-3793	348	16	beyond	beyond	ADP
ajase-3793	348	17	convenience	convenience	NOUN
ajase-3793	348	18	sampling	sampling	NOUN
ajase-3793	348	19	and	and	CCONJ
ajase-3793	348	20	undertake	undertake	VERB
ajase-3793	348	21	comparative	comparative	ADJ
ajase-3793	348	22	studies	study	NOUN
ajase-3793	348	23	.	.	PUNCT
ajase-3793	349	1	acknowledgements	acknowledgement	NOUN
ajase-3793	349	2	the	the	DET
ajase-3793	349	3	authors	author	NOUN
ajase-3793	349	4	wish	wish	VERB
ajase-3793	349	5	to	to	PART
ajase-3793	349	6	express	express	VERB
ajase-3793	349	7	their	their	PRON
ajase-3793	349	8	sincere	sincere	ADJ
ajase-3793	349	9	gratitude	gratitude	NOUN
ajase-3793	349	10	to	to	ADP
ajase-3793	349	11	the	the	DET
ajase-3793	349	12	anonymous	anonymous	ADJ
ajase-3793	349	13	reviewers	reviewer	NOUN
ajase-3793	349	14	for	for	ADP
ajase-3793	349	15	their	their	PRON
ajase-3793	349	16	constructive	constructive	ADJ
ajase-3793	349	17	criticisms	criticism	NOUN
ajase-3793	349	18	of	of	ADP
ajase-3793	349	19	the	the	DET
ajase-3793	349	20	earlier	early	ADJ
ajase-3793	349	21	versions	version	NOUN
ajase-3793	349	22	of	of	ADP
ajase-3793	349	23	this	this	DET
ajase-3793	349	24	paper	paper	NOUN
ajase-3793	349	25	.	.	PUNCT
ajase-3793	350	1	their	their	PRON
ajase-3793	350	2	criticisms	criticism	NOUN
ajase-3793	350	3	significantly	significantly	ADV
ajase-3793	350	4	improved	improve	VERB
ajase-3793	350	5	the	the	DET
ajase-3793	350	6	quality	quality	NOUN
ajase-3793	350	7	of	of	ADP
ajase-3793	350	8	this	this	DET
ajase-3793	350	9	research	research	NOUN
ajase-3793	350	10	article	article	NOUN
ajase-3793	350	11	.	.	PUNCT
ajase-3793	351	1	all	all	DET
ajase-3793	351	2	errors	error	NOUN
ajase-3793	351	3	and	and	CCONJ
ajase-3793	351	4	omissions	omission	NOUN
ajase-3793	351	5	are	be	AUX
ajase-3793	351	6	attributed	attribute	VERB
ajase-3793	351	7	to	to	ADP
ajase-3793	351	8	the	the	DET
ajase-3793	351	9	authors	author	NOUN
ajase-3793	351	10	,	,	PUNCT
ajase-3793	351	11	not	not	PART
ajase-3793	351	12	the	the	DET
ajase-3793	351	13	publisher	publisher	NOUN
ajase-3793	351	14	.	.	PUNCT
ajase-3793	352	1	references	reference	NOUN
ajase-3793	352	2	adai	adai	PROPN
ajase-3793	352	3	,	,	PUNCT
ajase-3793	352	4	s.	s.	PROPN
ajase-3793	352	5	m.	m.	PROPN
ajase-3793	352	6	,	,	PUNCT
ajase-3793	352	7	&	&	CCONJ
ajase-3793	352	8	rashid	rashid	PROPN
ajase-3793	352	9	,	,	PUNCT
ajase-3793	352	10	b.	b.	PROPN
ajase-3793	352	11	n.	n.	PROPN
ajase-3793	352	12	(	(	PUNCT
ajase-3793	352	13	2023	2023	NUM
ajase-3793	352	14	)	)	PUNCT
ajase-3793	352	15	.	.	PUNCT
ajase-3793	353	1	a	a	DET
ajase-3793	353	2	study	study	NOUN
ajase-3793	353	3	on	on	ADP
ajase-3793	353	4	sociocultural	sociocultural	ADJ
ajase-3793	353	5	features	feature	NOUN
ajase-3793	353	6	among	among	ADP
ajase-3793	353	7	turkish	turkish	ADJ
ajase-3793	353	8	and	and	CCONJ
ajase-3793	353	9	iraqi	iraqi	ADJ
ajase-3793	353	10	women	woman	NOUN
ajase-3793	353	11	.	.	PUNCT
ajase-3793	354	1	journal	journal	PROPN
ajase-3793	354	2	of	of	ADP
ajase-3793	354	3	current	current	ADJ
ajase-3793	354	4	research	research	NOUN
ajase-3793	354	5	on	on	ADP
ajase-3793	354	6	social	social	ADJ
ajase-3793	354	7	sciences	science	NOUN
ajase-3793	354	8	,	,	PUNCT
ajase-3793	354	9	13(3	13(3	NUM
ajase-3793	354	10	)	)	PUNCT
ajase-3793	354	11	,	,	PUNCT
ajase-3793	354	12	331–344	331–344	NUM
ajase-3793	354	13	.	.	PUNCT
ajase-3793	355	1	adera	adera	PROPN
ajase-3793	355	2	,	,	PUNCT
ajase-3793	355	3	a.	a.	NOUN
ajase-3793	355	4	,	,	PUNCT
ajase-3793	355	5	&	&	CCONJ
ajase-3793	355	6	abdisa	abdisa	PROPN
ajase-3793	355	7	,	,	PUNCT
ajase-3793	355	8	l.	l.	PROPN
ajase-3793	355	9	(	(	PUNCT
ajase-3793	355	10	2023	2023	NUM
ajase-3793	355	11	)	)	PUNCT
ajase-3793	355	12	.	.	PUNCT
ajase-3793	356	1	financial	financial	ADJ
ajase-3793	356	2	inclusion	inclusion	NOUN
ajase-3793	356	3	and	and	CCONJ
ajase-3793	356	4	women	woman	NOUN
ajase-3793	356	5	’s	’s	PART
ajase-3793	356	6	economic	economic	ADJ
ajase-3793	356	7	empowerment	empowerment	NOUN
ajase-3793	356	8	:	:	PUNCT
ajase-3793	356	9	evidence	evidence	NOUN
ajase-3793	356	10	from	from	ADP
ajase-3793	356	11	ethiopia	ethiopia	PROPN
ajase-3793	356	12	.	.	PUNCT
ajase-3793	357	1	cogent	cogent	NOUN
ajase-3793	357	2	economics	economics	PROPN
ajase-3793	357	3	&	&	CCONJ
ajase-3793	357	4	finance	finance	PROPN
ajase-3793	357	5	,	,	PUNCT
ajase-3793	357	6	11(2	11(2	NUM
ajase-3793	357	7	)	)	PUNCT
ajase-3793	357	8	.	.	PUNCT
ajase-3793	358	1	aidoo	aidoo	PROPN
ajase-3793	358	2	-	-	PUNCT
ajase-3793	358	3	mensah	mensah	PROPN
ajase-3793	358	4	,	,	PUNCT
ajase-3793	358	5	d.	d.	PROPN
ajase-3793	358	6	(	(	PUNCT
ajase-3793	358	7	2018	2018	NUM
ajase-3793	358	8	)	)	PUNCT
ajase-3793	358	9	.	.	PUNCT
ajase-3793	359	1	savings	saving	NOUN
ajase-3793	359	2	and	and	CCONJ
ajase-3793	359	3	income	income	NOUN
ajase-3793	359	4	relationships	relationship	NOUN
ajase-3793	359	5	among	among	ADP
ajase-3793	359	6	households	household	NOUN
ajase-3793	359	7	:	:	PUNCT
ajase-3793	359	8	a	a	DET
ajase-3793	359	9	review	review	NOUN
ajase-3793	359	10	of	of	ADP
ajase-3793	359	11	the	the	DET
ajase-3793	359	12	literature	literature	NOUN
ajase-3793	359	13	.	.	PUNCT
ajase-3793	360	1	agricultural	agricultural	ADJ
ajase-3793	360	2	social	social	ADJ
ajase-3793	360	3	economic	economic	ADJ
ajase-3793	360	4	journal	journal	NOUN
ajase-3793	360	5	,	,	PUNCT
ajase-3793	360	6	18(3	18(3	NUM
ajase-3793	360	7	)	)	PUNCT
ajase-3793	360	8	,	,	PUNCT
ajase-3793	360	9	133–143	133–143	NUM
ajase-3793	360	10	.	.	PUNCT
ajase-3793	361	1	asif	asif	PROPN
ajase-3793	361	2	,	,	PUNCT
ajase-3793	361	3	g.	g.	PROPN
ajase-3793	361	4	,	,	PUNCT
ajase-3793	361	5	jamal	jamal	PROPN
ajase-3793	361	6	,	,	PUNCT
ajase-3793	361	7	w.	w.	PROPN
ajase-3793	361	8	n.	n.	PROPN
ajase-3793	361	9	,	,	PUNCT
ajase-3793	361	10	hafeez	hafeez	PROPN
ajase-3793	361	11	,	,	PUNCT
ajase-3793	361	12	r.	r.	PROPN
ajase-3793	361	13	m.	m.	PROPN
ajase-3793	361	14	z.	z.	PROPN
ajase-3793	361	15	,	,	PUNCT
ajase-3793	361	16	shafique	shafique	NOUN
ajase-3793	361	17	,	,	PUNCT
ajase-3793	361	18	o.	o.	PROPN
ajase-3793	361	19	,	,	PUNCT
ajase-3793	361	20	razzaq	razzaq	PROPN
ajase-3793	361	21	,	,	PUNCT
ajase-3793	361	22	r.	r.	PROPN
ajase-3793	361	23	,	,	PUNCT
ajase-3793	361	24	&	&	CCONJ
ajase-3793	361	25	ashraf	ashraf	PROPN
ajase-3793	361	26	,	,	PUNCT
ajase-3793	361	27	m.	m.	NOUN
ajase-3793	361	28	w.	w.	PROPN
ajase-3793	361	29	(	(	PUNCT
ajase-3793	361	30	2021	2021	NUM
ajase-3793	361	31	)	)	PUNCT
ajase-3793	361	32	.	.	PUNCT
ajase-3793	362	1	impact	impact	NOUN
ajase-3793	362	2	of	of	ADP
ajase-3793	362	3	microcredit	microcredit	NOUN
ajase-3793	362	4	finance	finance	NOUN
ajase-3793	362	5	on	on	ADP
ajase-3793	362	6	the	the	DET
ajase-3793	362	7	socioeconomic	socioeconomic	ADJ
ajase-3793	362	8	status	status	NOUN
ajase-3793	362	9	of	of	ADP
ajase-3793	362	10	the	the	DET
ajase-3793	362	11	underprivileged	underprivileged	ADJ
ajase-3793	362	12	populace	populace	NOUN
ajase-3793	362	13	of	of	ADP
ajase-3793	362	14	punjab	punjab	NOUN
ajase-3793	362	15	:	:	PUNCT
ajase-3793	362	16	through	through	ADP
ajase-3793	362	17	the	the	DET
ajase-3793	362	18	mediating	mediate	VERB
ajase-3793	362	19	effect	effect	NOUN
ajase-3793	362	20	of	of	ADP
ajase-3793	362	21	knowledge	knowledge	NOUN
ajase-3793	362	22	sharing	sharing	NOUN
ajase-3793	362	23	ability	ability	NOUN
ajase-3793	362	24	and	and	CCONJ
ajase-3793	362	25	financial	financial	ADJ
ajase-3793	362	26	and	and	CCONJ
ajase-3793	362	27	legal	legal	ADJ
ajase-3793	362	28	awareness	awareness	NOUN
ajase-3793	362	29	.	.	PUNCT
ajase-3793	363	1	bulletin	bulletin	NOUN
ajase-3793	363	2	of	of	ADP
ajase-3793	363	3	business	business	NOUN
ajase-3793	363	4	and	and	CCONJ
ajase-3793	363	5	economics	economic	NOUN
ajase-3793	363	6	,	,	PUNCT
ajase-3793	363	7	10(4	10(4	NUM
ajase-3793	363	8	)	)	PUNCT
ajase-3793	363	9	,	,	PUNCT
ajase-3793	363	10	113–125	113–125	NUM
ajase-3793	363	11	.	.	PUNCT
ajase-3793	363	12	banda	banda	NOUN
ajase-3793	363	13	,	,	PUNCT
ajase-3793	363	14	m.	m.	NOUN
ajase-3793	363	15	,	,	PUNCT
ajase-3793	363	16	mulenga	mulenga	NOUN
ajase-3793	363	17	,	,	PUNCT
ajase-3793	363	18	a.	a.	NOUN
ajase-3793	363	19	,	,	PUNCT
ajase-3793	363	20	moonga	moonga	PROPN
ajase-3793	363	21	,	,	PUNCT
ajase-3793	363	22	h.	h.	PROPN
ajase-3793	363	23	,	,	PUNCT
ajase-3793	363	24	&	&	CCONJ
ajase-3793	363	25	mbewe	mbewe	PROPN
ajase-3793	363	26	,	,	PUNCT
ajase-3793	363	27	a.	a.	NOUN
ajase-3793	363	28	(	(	PUNCT
ajase-3793	363	29	2022	2022	NUM
ajase-3793	363	30	)	)	PUNCT
ajase-3793	363	31	.	.	PUNCT
ajase-3793	364	1	contribution	contribution	NOUN
ajase-3793	364	2	of	of	ADP
ajase-3793	364	3	village	village	NOUN
ajase-3793	364	4	banking	banking	NOUN
ajase-3793	364	5	among	among	ADP
ajase-3793	364	6	women	woman	NOUN
ajase-3793	364	7	in	in	ADP
ajase-3793	364	8	the	the	DET
ajase-3793	364	9	formal	formal	ADJ
ajase-3793	364	10	sector	sector	NOUN
ajase-3793	364	11	in	in	ADP
ajase-3793	364	12	zambia	zambia	PROPN
ajase-3793	364	13	.	.	PUNCT
ajase-3793	365	1	international	international	ADJ
ajase-3793	365	2	journal	journal	NOUN
ajase-3793	365	3	of	of	ADP
ajase-3793	365	4	advanced	advanced	ADJ
ajase-3793	365	5	multidisciplinary	multidisciplinary	ADJ
ajase-3793	365	6	research	research	NOUN
ajase-3793	365	7	and	and	CCONJ
ajase-3793	365	8	studies	study	NOUN
ajase-3793	365	9	,	,	PUNCT
ajase-3793	365	10	2(1	2(1	NUM
ajase-3793	365	11	)	)	PUNCT
ajase-3793	365	12	,	,	PUNCT
ajase-3793	365	13	105–110	105–110	NUM
ajase-3793	365	14	.	.	PUNCT
ajase-3793	366	1	banerjee	banerjee	PROPN
ajase-3793	366	2	,	,	PUNCT
ajase-3793	366	3	s.	s.	PROPN
ajase-3793	366	4	,	,	PUNCT
ajase-3793	366	5	&	&	CCONJ
ajase-3793	366	6	jackson	jackson	PROPN
ajase-3793	366	7	,	,	PUNCT
ajase-3793	366	8	l.	l.	PROPN
ajase-3793	366	9	(	(	PUNCT
ajase-3793	366	10	2017	2017	NUM
ajase-3793	366	11	)	)	PUNCT
ajase-3793	366	12	.	.	PUNCT
ajase-3793	367	1	microfinance	microfinance	NOUN
ajase-3793	367	2	and	and	CCONJ
ajase-3793	367	3	the	the	DET
ajase-3793	367	4	business	business	NOUN
ajase-3793	367	5	of	of	ADP
ajase-3793	367	6	poverty	poverty	NOUN
ajase-3793	367	7	reduction	reduction	NOUN
ajase-3793	367	8	:	:	PUNCT
ajase-3793	367	9	critical	critical	ADJ
ajase-3793	367	10	perspectives	perspective	NOUN
ajase-3793	367	11	from	from	ADP
ajase-3793	367	12	rural	rural	ADJ
ajase-3793	367	13	bangladesh	bangladesh	NOUN
ajase-3793	367	14	.	.	PUNCT
ajase-3793	368	1	sage	sage	NOUN
ajase-3793	368	2	journals	journal	NOUN
ajase-3793	368	3	,	,	PUNCT
ajase-3793	368	4	70(1	70(1	NOUN
ajase-3793	368	5	)	)	PUNCT
ajase-3793	368	6	.	.	PUNCT
ajase-3793	369	1	bank	bank	PROPN
ajase-3793	369	2	of	of	ADP
ajase-3793	369	3	zambia	zambia	PROPN
ajase-3793	369	4	.	.	PUNCT
ajase-3793	370	1	(	(	PUNCT
ajase-3793	370	2	2022	2022	NUM
ajase-3793	370	3	)	)	PUNCT
ajase-3793	370	4	.	.	PUNCT
ajase-3793	371	1	non	non	ADJ
ajase-3793	371	2	-	-	ADJ
ajase-3793	371	3	bank	bank	ADJ
ajase-3793	371	4	financial	financial	ADJ
ajase-3793	371	5	institutions	institution	NOUN
ajase-3793	371	6	.	.	PUNCT
ajase-3793	372	1	lusaka	lusaka	PROPN
ajase-3793	372	2	,	,	PUNCT
ajase-3793	372	3	zambia	zambia	PROPN
ajase-3793	372	4	.	.	PUNCT
ajase-3793	373	1	https://www.boz.zm/	https://www.boz.zm/	PROPN
ajase-3793	373	2	pa	pa	PROPN
ajase-3793	373	3	ge	ge	PROPN
ajase-3793	373	4	16	16	NUM
ajase-3793	373	5	5	5	NUM
ajase-3793	373	6	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	373	7	am	be	AUX
ajase-3793	373	8	.	.	PUNCT
ajase-3793	374	1	j.	j.	PROPN
ajase-3793	374	2	appl	appl	PROPN
ajase-3793	374	3	.	.	PROPN
ajase-3793	375	1	stat	stat	PROPN
ajase-3793	375	2	.	.	PUNCT
ajase-3793	376	1	econ	econ	PROPN
ajase-3793	376	2	.	.	PUNCT
ajase-3793	377	1	3(1	3(1	NUM
ajase-3793	377	2	)	)	PUNCT
ajase-3793	377	3	154	154	NUM
ajase-3793	377	4	-	-	SYM
ajase-3793	377	5	166	166	NUM
ajase-3793	377	6	,	,	PUNCT
ajase-3793	377	7	2024	2024	NUM
ajase-3793	377	8	listofnbfisasat31may2022.pdf	listofnbfisasat31may2022.pdf	PROPN
ajase-3793	377	9	bhatia	bhatia	PROPN
ajase-3793	377	10	,	,	PUNCT
ajase-3793	377	11	s.	s.	PROPN
ajase-3793	377	12	,	,	PUNCT
ajase-3793	377	13	&	&	CCONJ
ajase-3793	377	14	singh	singh	PROPN
ajase-3793	377	15	,	,	PUNCT
ajase-3793	377	16	s.	s.	PROPN
ajase-3793	377	17	(	(	PUNCT
ajase-3793	377	18	2019	2019	NUM
ajase-3793	377	19	)	)	PUNCT
ajase-3793	377	20	.	.	PUNCT
ajase-3793	378	1	empowering	empower	VERB
ajase-3793	378	2	women	woman	NOUN
ajase-3793	378	3	through	through	ADP
ajase-3793	378	4	financial	financial	ADJ
ajase-3793	378	5	inclusion	inclusion	NOUN
ajase-3793	378	6	:	:	PUNCT
ajase-3793	378	7	a	a	DET
ajase-3793	378	8	study	study	NOUN
ajase-3793	378	9	of	of	ADP
ajase-3793	378	10	urban	urban	PROPN
ajase-3793	378	11	slum	slum	PROPN
ajase-3793	378	12	.	.	PUNCT
ajase-3793	379	1	vikalpa	vikalpa	NOUN
ajase-3793	379	2	:	:	PUNCT
ajase-3793	379	3	the	the	DET
ajase-3793	379	4	journal	journal	NOUN
ajase-3793	379	5	for	for	ADP
ajase-3793	379	6	decision	decision	NOUN
ajase-3793	379	7	makers	maker	NOUN
ajase-3793	379	8	,	,	PUNCT
ajase-3793	379	9	44(4	44(4	NOUN
ajase-3793	379	10	)	)	PUNCT
ajase-3793	379	11	.	.	PUNCT
ajase-3793	380	1	bhusare	bhusare	PROPN
ajase-3793	380	2	,	,	PUNCT
ajase-3793	380	3	s.	s.	PROPN
ajase-3793	380	4	,	,	PUNCT
ajase-3793	380	5	&	&	CCONJ
ajase-3793	380	6	chanda	chanda	PROPN
ajase-3793	380	7	,	,	PUNCT
ajase-3793	380	8	r.	r.	PROPN
ajase-3793	380	9	(	(	PUNCT
ajase-3793	380	10	2017	2017	NUM
ajase-3793	380	11	)	)	PUNCT
ajase-3793	380	12	.	.	PUNCT
ajase-3793	381	1	micro	micro	NOUN
ajase-3793	381	2	-	-	NOUN
ajase-3793	381	3	finance	finance	NOUN
ajase-3793	381	4	&	&	CCONJ
ajase-3793	381	5	microcredit	microcredit	PROPN
ajase-3793	381	6	for	for	ADP
ajase-3793	381	7	sustainable	sustainable	ADJ
ajase-3793	381	8	development	development	NOUN
ajase-3793	381	9	.	.	PUNCT
ajase-3793	382	1	ira	ira	PROPN
ajase-3793	382	2	-	-	PUNCT
ajase-3793	382	3	international	international	PROPN
ajase-3793	382	4	journal	journal	NOUN
ajase-3793	382	5	of	of	ADP
ajase-3793	382	6	management	management	NOUN
ajase-3793	382	7	&	&	CCONJ
ajase-3793	382	8	social	social	ADJ
ajase-3793	382	9	sciences	sciences	PROPN
ajase-3793	382	10	,	,	PUNCT
ajase-3793	382	11	6(3	6(3	NUM
ajase-3793	382	12	)	)	PUNCT
ajase-3793	382	13	,	,	PUNCT
ajase-3793	382	14	365	365	NUM
ajase-3793	382	15	.	.	PUNCT
ajase-3793	383	1	campbell	campbell	PROPN
ajase-3793	383	2	,	,	PUNCT
ajase-3793	383	3	s.	s.	PROPN
ajase-3793	383	4	,	,	PUNCT
ajase-3793	383	5	greenwood	greenwood	PROPN
ajase-3793	383	6	,	,	PUNCT
ajase-3793	383	7	m.	m.	NOUN
ajase-3793	383	8	,	,	PUNCT
ajase-3793	383	9	prior	prior	ADV
ajase-3793	383	10	,	,	PUNCT
ajase-3793	383	11	s.	s.	PROPN
ajase-3793	383	12	,	,	PUNCT
ajase-3793	383	13	shearer	shearer	PROPN
ajase-3793	383	14	,	,	PUNCT
ajase-3793	383	15	t.	t.	PROPN
ajase-3793	383	16	,	,	PUNCT
ajase-3793	383	17	walkem	walkem	PROPN
ajase-3793	383	18	,	,	PUNCT
ajase-3793	383	19	k.	k.	PROPN
ajase-3793	383	20	,	,	PUNCT
ajase-3793	383	21	young	young	PROPN
ajase-3793	383	22	,	,	PUNCT
ajase-3793	383	23	s.	s.	PROPN
ajase-3793	383	24	,	,	PUNCT
ajase-3793	383	25	&	&	CCONJ
ajase-3793	383	26	walker	walker	PROPN
ajase-3793	383	27	,	,	PUNCT
ajase-3793	383	28	k.	k.	PROPN
ajase-3793	383	29	(	(	PUNCT
ajase-3793	383	30	2020	2020	NUM
ajase-3793	383	31	)	)	PUNCT
ajase-3793	383	32	.	.	PUNCT
ajase-3793	384	1	purposive	purposive	ADJ
ajase-3793	384	2	sampling	sampling	NOUN
ajase-3793	384	3	:	:	PUNCT
ajase-3793	384	4	complex	complex	ADJ
ajase-3793	384	5	or	or	CCONJ
ajase-3793	384	6	simple	simple	ADJ
ajase-3793	384	7	?	?	PUNCT
ajase-3793	385	1	research	research	NOUN
ajase-3793	385	2	case	case	NOUN
ajase-3793	385	3	examples	example	NOUN
ajase-3793	385	4	.	.	PUNCT
ajase-3793	386	1	journal	journal	PROPN
ajase-3793	386	2	of	of	ADP
ajase-3793	386	3	research	research	NOUN
ajase-3793	386	4	in	in	ADP
ajase-3793	386	5	nursing	nursing	NOUN
ajase-3793	386	6	,	,	PUNCT
ajase-3793	386	7	25(8	25(8	NUM
ajase-3793	386	8	)	)	PUNCT
ajase-3793	386	9	,	,	PUNCT
ajase-3793	386	10	652–661	652–661	NUM
ajase-3793	386	11	.	.	PUNCT
ajase-3793	387	1	chisenga	chisenga	ADV
ajase-3793	387	2	,	,	PUNCT
ajase-3793	387	3	m.	m.	NOUN
ajase-3793	387	4	(	(	PUNCT
ajase-3793	387	5	2018	2018	NUM
ajase-3793	387	6	)	)	PUNCT
ajase-3793	387	7	.	.	PUNCT
ajase-3793	388	1	measuring	measure	VERB
ajase-3793	388	2	the	the	DET
ajase-3793	388	3	effects	effect	NOUN
ajase-3793	388	4	of	of	ADP
ajase-3793	388	5	village	village	NOUN
ajase-3793	388	6	bank	bank	NOUN
ajase-3793	388	7	programme	programme	NOUN
ajase-3793	388	8	on	on	ADP
ajase-3793	388	9	household	household	NOUN
ajase-3793	388	10	income	income	NOUN
ajase-3793	388	11	:	:	PUNCT
ajase-3793	388	12	a	a	DET
ajase-3793	388	13	case	case	NOUN
ajase-3793	388	14	study	study	NOUN
ajase-3793	388	15	of	of	ADP
ajase-3793	388	16	vulamkoko	vulamkoko	ADJ
ajase-3793	388	17	village	village	NOUN
ajase-3793	388	18	in	in	ADP
ajase-3793	388	19	katete	katete	ADJ
ajase-3793	388	20	district	district	PROPN
ajase-3793	388	21	,	,	PUNCT
ajase-3793	388	22	zambia	zambia	PROPN
ajase-3793	388	23	.	.	PUNCT
ajase-3793	389	1	[	[	X
ajase-3793	389	2	master	master	NOUN
ajase-3793	389	3	’s	’s	PART
ajase-3793	389	4	thesis	thesis	NOUN
ajase-3793	389	5	,	,	PUNCT
ajase-3793	389	6	mulungushi	mulungushi	ADJ
ajase-3793	389	7	university	university	NOUN
ajase-3793	389	8	]	]	PUNCT
ajase-3793	389	9	.	.	PUNCT
ajase-3793	390	1	department	department	PROPN
ajase-3793	390	2	for	for	ADP
ajase-3793	390	3	international	international	ADJ
ajase-3793	390	4	development	development	NOUN
ajase-3793	390	5	,	,	PUNCT
ajase-3793	390	6	dfid	dfid	PROPN
ajase-3793	390	7	.	.	PUNCT
ajase-3793	391	1	(	(	PUNCT
ajase-3793	391	2	2012	2012	NUM
ajase-3793	391	3	)	)	PUNCT
ajase-3793	391	4	.	.	PUNCT
ajase-3793	392	1	access	access	NOUN
ajase-3793	392	2	to	to	ADP
ajase-3793	392	3	finance	finance	NOUN
ajase-3793	392	4	programme	programme	NOUN
ajase-3793	392	5	.	.	PUNCT
ajase-3793	393	1	lusaka	lusaka	PROPN
ajase-3793	393	2	,	,	PUNCT
ajase-3793	393	3	zambia	zambia	PROPN
ajase-3793	393	4	:	:	PUNCT
ajase-3793	393	5	dfid	dfid	PROPN
ajase-3793	393	6	.	.	PUNCT
ajase-3793	394	1	frisancho	frisancho	NOUN
ajase-3793	394	2	,	,	PUNCT
ajase-3793	394	3	v.	v.	PROPN
ajase-3793	394	4	,	,	PUNCT
ajase-3793	394	5	&	&	CCONJ
ajase-3793	394	6	valdivia	valdivia	PROPN
ajase-3793	394	7	,	,	PUNCT
ajase-3793	394	8	m.	m.	NOUN
ajase-3793	394	9	(	(	PUNCT
ajase-3793	394	10	2020	2020	NUM
ajase-3793	394	11	)	)	PUNCT
ajase-3793	394	12	.	.	PUNCT
ajase-3793	395	1	savings	saving	NOUN
ajase-3793	395	2	groups	group	NOUN
ajase-3793	395	3	reduce	reduce	VERB
ajase-3793	395	4	vulnerability	vulnerability	NOUN
ajase-3793	395	5	but	but	CCONJ
ajase-3793	395	6	have	have	VERB
ajase-3793	395	7	mixed	mixed	ADJ
ajase-3793	395	8	effects	effect	NOUN
ajase-3793	395	9	on	on	ADP
ajase-3793	395	10	financial	financial	ADJ
ajase-3793	395	11	inclusion	inclusion	NOUN
ajase-3793	395	12	.	.	PUNCT
ajase-3793	396	1	caf	caf	NOUN
ajase-3793	396	2	working	working	NOUN
ajase-3793	396	3	paper	paper	NOUN
ajase-3793	396	4	.	.	PUNCT
ajase-3793	397	1	fula	fula	PROPN
ajase-3793	397	2	,	,	PUNCT
ajase-3793	397	3	e.	e.	PROPN
ajase-3793	397	4	(	(	PUNCT
ajase-3793	397	5	2023	2023	NUM
ajase-3793	397	6	)	)	PUNCT
ajase-3793	397	7	.	.	PUNCT
ajase-3793	398	1	assessing	assess	VERB
ajase-3793	398	2	the	the	DET
ajase-3793	398	3	impact	impact	NOUN
ajase-3793	398	4	of	of	ADP
ajase-3793	398	5	village	village	NOUN
ajase-3793	398	6	banking	banking	NOUN
ajase-3793	398	7	groups	group	NOUN
ajase-3793	398	8	on	on	ADP
ajase-3793	398	9	women	woman	NOUN
ajase-3793	398	10	’s	’s	PART
ajase-3793	398	11	livelihoods	livelihood	NOUN
ajase-3793	398	12	in	in	ADP
ajase-3793	398	13	the	the	DET
ajase-3793	398	14	lusaka	lusaka	PROPN
ajase-3793	398	15	district	district	NOUN
ajase-3793	398	16	.	.	PUNCT
ajase-3793	399	1	master	master	PROPN
ajase-3793	399	2	’s	’s	PART
ajase-3793	399	3	thesis	thesis	NOUN
ajase-3793	399	4	,	,	PUNCT
ajase-3793	399	5	the	the	DET
ajase-3793	399	6	copperbelt	copperbelt	PROPN
ajase-3793	399	7	university	university	PROPN
ajase-3793	399	8	.	.	PUNCT
ajase-3793	400	1	gideon	gideon	PROPN
ajase-3793	400	2	,	,	PUNCT
ajase-3793	400	3	o.	o.	PROPN
ajase-3793	400	4	,	,	PUNCT
ajase-3793	400	5	uwineza	uwineza	PROPN
ajase-3793	400	6	,	,	PUNCT
ajase-3793	400	7	d.	d.	PROPN
ajase-3793	400	8	,	,	PUNCT
ajase-3793	400	9	&	&	CCONJ
ajase-3793	400	10	owusu	owusu	PROPN
ajase-3793	400	11	-	-	PROPN
ajase-3793	400	12	yeboah	yeboah	PROPN
ajase-3793	400	13	,	,	PUNCT
ajase-3793	400	14	e.	e.	PROPN
ajase-3793	400	15	(	(	PUNCT
ajase-3793	400	16	2020	2020	NUM
ajase-3793	400	17	)	)	PUNCT
ajase-3793	400	18	.	.	PUNCT
ajase-3793	401	1	microfinance	microfinance	NOUN
ajase-3793	401	2	and	and	CCONJ
ajase-3793	401	3	women	woman	NOUN
ajase-3793	401	4	’s	’s	PART
ajase-3793	401	5	empowerment	empowerment	NOUN
ajase-3793	401	6	in	in	ADP
ajase-3793	401	7	ghana	ghana	PROPN
ajase-3793	401	8	:	:	PUNCT
ajase-3793	401	9	challenges	challenge	NOUN
ajase-3793	401	10	and	and	CCONJ
ajase-3793	401	11	prospects	prospect	NOUN
ajase-3793	401	12	.	.	PUNCT
ajase-3793	402	1	international	international	ADJ
ajase-3793	402	2	journal	journal	NOUN
ajase-3793	402	3	of	of	ADP
ajase-3793	402	4	academic	academic	ADJ
ajase-3793	402	5	research	research	NOUN
ajase-3793	402	6	in	in	ADP
ajase-3793	402	7	business	business	NOUN
ajase-3793	402	8	and	and	CCONJ
ajase-3793	402	9	social	social	ADJ
ajase-3793	402	10	sciences	science	NOUN
ajase-3793	402	11	,	,	PUNCT
ajase-3793	402	12	10(10	10(10	NUM
ajase-3793	402	13	)	)	PUNCT
ajase-3793	402	14	,	,	PUNCT
ajase-3793	402	15	377–404	377–404	NUM
ajase-3793	402	16	.	.	PUNCT
ajase-3793	403	1	government	government	NOUN
ajase-3793	403	2	of	of	ADP
ajase-3793	403	3	zambia	zambia	PROPN
ajase-3793	403	4	.	.	PUNCT
ajase-3793	404	1	grz	grz	PROPN
ajase-3793	404	2	.	.	PUNCT
ajase-3793	405	1	(	(	PUNCT
ajase-3793	405	2	2018	2018	NUM
ajase-3793	405	3	)	)	PUNCT
ajase-3793	405	4	.	.	PUNCT
ajase-3793	406	1	7th	7th	ADJ
ajase-3793	406	2	national	national	PROPN
ajase-3793	406	3	development	development	NOUN
ajase-3793	406	4	plan	plan	NOUN
ajase-3793	406	5	(	(	PUNCT
ajase-3793	406	6	7ndp	7ndp	NUM
ajase-3793	406	7	)	)	PUNCT
ajase-3793	406	8	.	.	PUNCT
ajase-3793	407	1	unfpa	unfpa	PROPN
ajase-3793	407	2	,	,	PUNCT
ajase-3793	407	3	zambia	zambia	PROPN
ajase-3793	407	4	.	.	PUNCT
ajase-3793	407	5	harvey	harvey	PROPN
ajase-3793	407	6	,	,	PUNCT
ajase-3793	407	7	m.	m.	NOUN
ajase-3793	407	8	,	,	PUNCT
ajase-3793	407	9	&	&	CCONJ
ajase-3793	407	10	cristani	cristani	PROPN
ajase-3793	407	11	,	,	PUNCT
ajase-3793	407	12	f.	f.	PROPN
ajase-3793	407	13	,	,	PUNCT
ajase-3793	407	14	(	(	PUNCT
ajase-3793	407	15	2022	2022	NUM
ajase-3793	407	16	)	)	PUNCT
ajase-3793	407	17	.	.	PUNCT
ajase-3793	408	1	women	woman	NOUN
ajase-3793	408	2	and	and	CCONJ
ajase-3793	408	3	financial	financial	ADJ
ajase-3793	408	4	equality	equality	NOUN
ajase-3793	408	5	.	.	PUNCT
ajase-3793	409	1	gender	gender	NOUN
ajase-3793	409	2	equality	equality	NOUN
ajase-3793	409	3	in	in	ADP
ajase-3793	409	4	the	the	DET
ajase-3793	409	5	mirror	mirror	NOUN
ajase-3793	409	6	,	,	PUNCT
ajase-3793	409	7	8	8	NUM
ajase-3793	409	8	,	,	PUNCT
ajase-3793	409	9	178–192	178–192	NUM
ajase-3793	409	10	.	.	PUNCT
ajase-3793	410	1	ikhar	ikhar	PROPN
ajase-3793	410	2	,	,	PUNCT
ajase-3793	410	3	m.	m.	PROPN
ajase-3793	410	4	r.	r.	PROPN
ajase-3793	410	5	,	,	PUNCT
ajase-3793	410	6	banerjee	banerjee	PROPN
ajase-3793	410	7	,	,	PUNCT
ajase-3793	410	8	s.	s.	PROPN
ajase-3793	410	9	,	,	PUNCT
ajase-3793	410	10	bandhopadhyaya	bandhopadhyaya	PROPN
ajase-3793	410	11	,	,	PUNCT
ajase-3793	410	12	k.	k.	PROPN
ajase-3793	410	13	,	,	PUNCT
ajase-3793	410	14	tiwari	tiwari	PROPN
ajase-3793	410	15	,	,	PUNCT
ajase-3793	410	16	m.	m.	PROPN
ajase-3793	410	17	k.	k.	PROPN
ajase-3793	410	18	,	,	PUNCT
ajase-3793	410	19	&	&	CCONJ
ajase-3793	410	20	deshmukh	deshmukh	PROPN
ajase-3793	410	21	,	,	PUNCT
ajase-3793	410	22	p.	p.	NOUN
ajase-3793	410	23	(	(	PUNCT
ajase-3793	410	24	2022	2022	NUM
ajase-3793	410	25	)	)	PUNCT
ajase-3793	410	26	.	.	PUNCT
ajase-3793	411	1	are	be	AUX
ajase-3793	411	2	women	woman	NOUN
ajase-3793	411	3	with	with	ADP
ajase-3793	411	4	more	more	ADJ
ajase-3793	411	5	of	of	ADP
ajase-3793	411	6	‘	'	PUNCT
ajase-3793	411	7	social	social	ADJ
ajase-3793	411	8	capital	capital	NOUN
ajase-3793	411	9	’	'	PUNCT
ajase-3793	411	10	more	more	ADV
ajase-3793	411	11	empowered	empower	VERB
ajase-3793	411	12	?	?	PUNCT
ajase-3793	412	1	a	a	DET
ajase-3793	412	2	crosssectional	crosssectional	ADJ
ajase-3793	412	3	analysis	analysis	NOUN
ajase-3793	412	4	from	from	ADP
ajase-3793	412	5	rural	rural	ADJ
ajase-3793	412	6	wardha	wardha	NOUN
ajase-3793	412	7	,	,	PUNCT
ajase-3793	412	8	central	central	ADJ
ajase-3793	412	9	india	india	PROPN
ajase-3793	412	10	.	.	PUNCT
ajase-3793	412	11	journal	journal	PROPN
ajase-3793	412	12	of	of	ADP
ajase-3793	412	13	family	family	NOUN
ajase-3793	412	14	medicine	medicine	NOUN
ajase-3793	412	15	and	and	CCONJ
ajase-3793	412	16	primary	primary	ADJ
ajase-3793	412	17	care	care	NOUN
ajase-3793	412	18	,	,	PUNCT
ajase-3793	412	19	11(2	11(2	NOUN
ajase-3793	412	20	)	)	PUNCT
ajase-3793	412	21	,	,	PUNCT
ajase-3793	412	22	472	472	NUM
ajase-3793	412	23	–	–	PUNCT
ajase-3793	412	24	479	479	NUM
ajase-3793	412	25	.	.	PUNCT
ajase-3793	413	1	https://doi.org/10.4103/jfmpc.jfmpc_2495_20	https://doi.org/10.4103/jfmpc.jfmpc_2495_20	PROPN
ajase-3793	413	2	islam	islam	PROPN
ajase-3793	413	3	,	,	PUNCT
ajase-3793	413	4	n.	n.	PROPN
ajase-3793	413	5	,	,	PUNCT
ajase-3793	413	6	rahman	rahman	PROPN
ajase-3793	413	7	,	,	PUNCT
ajase-3793	413	8	n.	n.	PROPN
ajase-3793	413	9	,	,	PUNCT
ajase-3793	413	10	hassan	hassan	PROPN
ajase-3793	413	11	,	,	PUNCT
ajase-3793	413	12	r.	r.	PROPN
ajase-3793	413	13	,	,	PUNCT
ajase-3793	413	14	&	&	CCONJ
ajase-3793	413	15	samiha	samiha	PROPN
ajase-3793	413	16	,	,	PUNCT
ajase-3793	413	17	z.	z.	PROPN
ajase-3793	413	18	(	(	PUNCT
ajase-3793	413	19	2020	2020	NUM
ajase-3793	413	20	)	)	PUNCT
ajase-3793	413	21	.	.	PUNCT
ajase-3793	414	1	impact	impact	NOUN
ajase-3793	414	2	of	of	ADP
ajase-3793	414	3	financial	financial	ADJ
ajase-3793	414	4	inclusion	inclusion	NOUN
ajase-3793	414	5	on	on	ADP
ajase-3793	414	6	the	the	DET
ajase-3793	414	7	women	woman	NOUN
ajase-3793	414	8	sme	sme	PROPN
ajase-3793	414	9	entrepreneurs	entrepreneur	NOUN
ajase-3793	414	10	in	in	ADP
ajase-3793	414	11	bangladesh	bangladesh	PROPN
ajase-3793	414	12	.	.	PUNCT
ajase-3793	415	1	social	social	ADJ
ajase-3793	415	2	science	science	PROPN
ajase-3793	415	3	review	review	NOUN
ajase-3793	415	4	quarterly	quarterly	ADJ
ajase-3793	415	5	,	,	PUNCT
ajase-3793	415	6	1(1	1(1	NUM
ajase-3793	415	7	)	)	PUNCT
ajase-3793	415	8	,	,	PUNCT
ajase-3793	415	9	14–26	14–26	NUM
ajase-3793	415	10	.	.	PUNCT
ajase-3793	416	1	kagan	kagan	PROPN
ajase-3793	416	2	,	,	PUNCT
ajase-3793	416	3	j.	j.	PROPN
ajase-3793	416	4	(	(	PUNCT
ajase-3793	416	5	2024	2024	NUM
ajase-3793	416	6	)	)	PUNCT
ajase-3793	416	7	.	.	PUNCT
ajase-3793	417	1	microfinance	microfinance	NOUN
ajase-3793	417	2	.	.	PUNCT
ajase-3793	418	1	investopedia	investopedia	PROPN
ajase-3793	418	2	.	.	PUNCT
ajase-3793	419	1	https://www	https://www	PROPN
ajase-3793	419	2	.	.	PUNCT
ajase-3793	420	1	investopedia.com/terms/m/microfinance.asp	investopedia.com/terms/m/microfinance.asp	PROPN
ajase-3793	420	2	kenton	kenton	PROPN
ajase-3793	420	3	,	,	PUNCT
ajase-3793	420	4	w.	w.	PROPN
ajase-3793	420	5	(	(	PUNCT
ajase-3793	420	6	2022	2022	NUM
ajase-3793	420	7	)	)	PUNCT
ajase-3793	420	8	.	.	PUNCT
ajase-3793	421	1	social	social	ADJ
ajase-3793	421	2	capital	capital	NOUN
ajase-3793	421	3	.	.	PUNCT
ajase-3793	422	1	investopedia	investopedia	PROPN
ajase-3793	422	2	.	.	PROPN
ajase-3793	422	3	lweendo	lweendo	PROPN
ajase-3793	422	4	,	,	PUNCT
ajase-3793	422	5	m.	m.	NOUN
ajase-3793	422	6	(	(	PUNCT
ajase-3793	422	7	2021	2021	NUM
ajase-3793	422	8	)	)	PUNCT
ajase-3793	422	9	.	.	PUNCT
ajase-3793	423	1	the	the	DET
ajase-3793	423	2	impact	impact	NOUN
ajase-3793	423	3	of	of	ADP
ajase-3793	423	4	village	village	NOUN
ajase-3793	423	5	banking	banking	NOUN
ajase-3793	423	6	on	on	ADP
ajase-3793	423	7	financial	financial	ADJ
ajase-3793	423	8	inclusion	inclusion	NOUN
ajase-3793	423	9	for	for	ADP
ajase-3793	423	10	female	female	ADJ
ajase-3793	423	11	marketeers	marketeer	NOUN
ajase-3793	423	12	:	:	PUNCT
ajase-3793	423	13	a	a	DET
ajase-3793	423	14	case	case	NOUN
ajase-3793	423	15	study	study	NOUN
ajase-3793	423	16	of	of	ADP
ajase-3793	423	17	masala	masala	NOUN
ajase-3793	423	18	market	market	NOUN
ajase-3793	423	19	in	in	ADP
ajase-3793	423	20	ndola	ndola	PROPN
ajase-3793	423	21	.	.	PUNCT
ajase-3793	424	1	master	master	NOUN
ajase-3793	424	2	’s	’s	PART
ajase-3793	424	3	thesis	thesis	NOUN
ajase-3793	424	4	,	,	PUNCT
ajase-3793	424	5	university	university	PROPN
ajase-3793	424	6	of	of	ADP
ajase-3793	424	7	zambia	zambia	PROPN
ajase-3793	424	8	.	.	PUNCT
ajase-3793	425	1	magali	magali	PROPN
ajase-3793	425	2	,	,	PUNCT
ajase-3793	425	3	j.	j.	PROPN
ajase-3793	425	4	(	(	PUNCT
ajase-3793	425	5	2021	2021	NUM
ajase-3793	425	6	)	)	PUNCT
ajase-3793	425	7	.	.	PUNCT
ajase-3793	426	1	the	the	DET
ajase-3793	426	2	role	role	NOUN
ajase-3793	426	3	of	of	ADP
ajase-3793	426	4	village	village	NOUN
ajase-3793	426	5	community	community	NOUN
ajase-3793	426	6	banks	bank	NOUN
ajase-3793	426	7	(	(	PUNCT
ajase-3793	426	8	vicoba	vicoba	NOUN
ajase-3793	426	9	)	)	PUNCT
ajase-3793	426	10	microcredits	microcredit	NOUN
ajase-3793	426	11	in	in	ADP
ajase-3793	426	12	promoting	promote	VERB
ajase-3793	426	13	sustainable	sustainable	ADJ
ajase-3793	426	14	micro	micro	ADJ
ajase-3793	426	15	and	and	CCONJ
ajase-3793	426	16	small	small	ADJ
ajase-3793	426	17	-	-	PUNCT
ajase-3793	426	18	scale	scale	NOUN
ajase-3793	426	19	industrialization	industrialization	NOUN
ajase-3793	426	20	in	in	ADP
ajase-3793	426	21	kilimanjaro	kilimanjaro	PROPN
ajase-3793	426	22	region	region	PROPN
ajase-3793	426	23	,	,	PUNCT
ajase-3793	426	24	tanzania	tanzania	PROPN
ajase-3793	426	25	.	.	PUNCT
ajase-3793	427	1	business	business	PROPN
ajase-3793	427	2	education	education	PROPN
ajase-3793	427	3	journal	journal	NOUN
ajase-3793	427	4	,	,	PUNCT
ajase-3793	427	5	10(1	10(1	NUM
ajase-3793	427	6	)	)	PUNCT
ajase-3793	427	7	,	,	PUNCT
ajase-3793	427	8	1–12	1–12	NOUN
ajase-3793	427	9	.	.	PUNCT
ajase-3793	428	1	maganga	maganga	PROPN
ajase-3793	428	2	,	,	PUNCT
ajase-3793	428	3	a.	a.	NOUN
ajase-3793	428	4	(	(	PUNCT
ajase-3793	428	5	2021	2021	NUM
ajase-3793	428	6	)	)	PUNCT
ajase-3793	428	7	.	.	PUNCT
ajase-3793	429	1	impact	impact	NOUN
ajase-3793	429	2	of	of	ADP
ajase-3793	429	3	microfinance	microfinance	NOUN
ajase-3793	429	4	village	village	NOUN
ajase-3793	429	5	savings	saving	NOUN
ajase-3793	429	6	and	and	CCONJ
ajase-3793	429	7	loan	loan	NOUN
ajase-3793	429	8	associations	association	NOUN
ajase-3793	429	9	on	on	ADP
ajase-3793	429	10	women	woman	NOUN
ajase-3793	429	11	’s	’s	PART
ajase-3793	429	12	empowerment	empowerment	NOUN
ajase-3793	429	13	and	and	CCONJ
ajase-3793	429	14	resilience	resilience	NOUN
ajase-3793	429	15	against	against	ADP
ajase-3793	429	16	vulnerability	vulnerability	NOUN
ajase-3793	429	17	in	in	ADP
ajase-3793	429	18	malawi	malawi	PROPN
ajase-3793	429	19	.	.	PUNCT
ajase-3793	430	1	international	international	ADJ
ajase-3793	430	2	journal	journal	PROPN
ajase-3793	430	3	of	of	ADP
ajase-3793	430	4	rural	rural	ADJ
ajase-3793	430	5	management	management	NOUN
ajase-3793	430	6	,	,	PUNCT
ajase-3793	430	7	17(2	17(2	NUM
ajase-3793	430	8	)	)	PUNCT
ajase-3793	430	9	,	,	PUNCT
ajase-3793	430	10	190–212	190–212	NUM
ajase-3793	430	11	.	.	PUNCT
ajase-3793	430	12	mbiakop	mbiakop	PROPN
ajase-3793	430	13	,	,	PUNCT
ajase-3793	430	14	w.	w.	PROPN
ajase-3793	430	15	,	,	PUNCT
ajase-3793	430	16	&	&	CCONJ
ajase-3793	430	17	oyekale	oyekale	PROPN
ajase-3793	430	18	,	,	PUNCT
ajase-3793	430	19	a.	a.	NOUN
ajase-3793	430	20	(	(	PUNCT
ajase-3793	430	21	2017	2017	NUM
ajase-3793	430	22	)	)	PUNCT
ajase-3793	430	23	.	.	PUNCT
ajase-3793	431	1	impact	impact	NOUN
ajase-3793	431	2	of	of	ADP
ajase-3793	431	3	village	village	NOUN
ajase-3793	431	4	bank	bank	NOUN
ajase-3793	431	5	membership	membership	NOUN
ajase-3793	431	6	on	on	ADP
ajase-3793	431	7	households	household	NOUN
ajase-3793	431	8	’	'	PUNCT
ajase-3793	431	9	welfare	welfare	NOUN
ajase-3793	431	10	in	in	ADP
ajase-3793	431	11	ngaka	ngaka	ADV
ajase-3793	431	12	modiri	modiri	X
ajase-3793	431	13	molema	molema	PROPN
ajase-3793	431	14	district	district	NOUN
ajase-3793	431	15	municipality	municipality	NOUN
ajase-3793	431	16	,	,	PUNCT
ajase-3793	431	17	south	south	PROPN
ajase-3793	431	18	africa	africa	PROPN
ajase-3793	431	19	.	.	PUNCT
ajase-3793	432	1	journal	journal	PROPN
ajase-3793	432	2	of	of	ADP
ajase-3793	432	3	agribusiness	agribusiness	NOUN
ajase-3793	432	4	and	and	CCONJ
ajase-3793	432	5	rural	rural	ADJ
ajase-3793	432	6	development	development	NOUN
ajase-3793	432	7	,	,	PUNCT
ajase-3793	432	8	46(4	46(4	NOUN
ajase-3793	432	9	)	)	PUNCT
ajase-3793	432	10	.	.	PUNCT
ajase-3793	433	1	mbiro	mbiro	PROPN
ajase-3793	433	2	,	,	PUNCT
ajase-3793	433	3	k.	k.	PROPN
ajase-3793	433	4	,	,	PUNCT
ajase-3793	433	5	&	&	CCONJ
ajase-3793	433	6	ndlovu	ndlovu	PROPN
ajase-3793	433	7	,	,	PUNCT
ajase-3793	433	8	t.	t.	NOUN
ajase-3793	433	9	(	(	PUNCT
ajase-3793	433	10	2021	2021	NUM
ajase-3793	433	11	)	)	PUNCT
ajase-3793	433	12	.	.	PUNCT
ajase-3793	434	1	impact	impact	NOUN
ajase-3793	434	2	of	of	ADP
ajase-3793	434	3	women	woman	NOUN
ajase-3793	434	4	’s	’s	PART
ajase-3793	434	5	participation	participation	NOUN
ajase-3793	434	6	on	on	ADP
ajase-3793	434	7	village	village	NOUN
ajase-3793	434	8	savings	saving	NOUN
ajase-3793	434	9	and	and	CCONJ
ajase-3793	434	10	loan	loan	NOUN
ajase-3793	434	11	on	on	ADP
ajase-3793	434	12	children	child	NOUN
ajase-3793	434	13	’s	’s	PART
ajase-3793	434	14	nutritional	nutritional	ADJ
ajase-3793	434	15	diversity	diversity	NOUN
ajase-3793	434	16	in	in	ADP
ajase-3793	434	17	rural	rural	ADJ
ajase-3793	434	18	chimanimani	chimanimani	PROPN
ajase-3793	434	19	,	,	PUNCT
ajase-3793	434	20	zimbabwe	zimbabwe	PROPN
ajase-3793	434	21	.	.	PROPN
ajase-3793	434	22	journal	journal	PROPN
ajase-3793	434	23	of	of	ADP
ajase-3793	434	24	disaster	disaster	NOUN
ajase-3793	434	25	risk	risk	NOUN
ajase-3793	434	26	studies	study	NOUN
ajase-3793	434	27	,	,	PUNCT
ajase-3793	434	28	13(1	13(1	NUM
ajase-3793	434	29	)	)	PUNCT
ajase-3793	434	30	.	.	PUNCT
ajase-3793	435	1	mchembe	mchembe	PROPN
ajase-3793	435	2	,	,	PUNCT
ajase-3793	435	3	s.	s.	PROPN
ajase-3793	435	4	,	,	PUNCT
ajase-3793	435	5	mtae	mtae	PROPN
ajase-3793	435	6	,	,	PUNCT
ajase-3793	435	7	h.	h.	PROPN
ajase-3793	435	8	,	,	PUNCT
ajase-3793	435	9	&	&	CCONJ
ajase-3793	435	10	magobe	magobe	PROPN
ajase-3793	435	11	,	,	PUNCT
ajase-3793	435	12	m.	m.	NOUN
ajase-3793	435	13	(	(	PUNCT
ajase-3793	435	14	2023	2023	NUM
ajase-3793	435	15	)	)	PUNCT
ajase-3793	435	16	.	.	PUNCT
ajase-3793	436	1	influence	influence	NOUN
ajase-3793	436	2	of	of	ADP
ajase-3793	436	3	social	social	ADJ
ajase-3793	436	4	structure	structure	NOUN
ajase-3793	436	5	on	on	ADP
ajase-3793	436	6	participation	participation	NOUN
ajase-3793	436	7	of	of	ADP
ajase-3793	436	8	women	woman	NOUN
ajase-3793	436	9	in	in	ADP
ajase-3793	436	10	public	public	ADJ
ajase-3793	436	11	credit	credit	NOUN
ajase-3793	436	12	programs	program	NOUN
ajase-3793	436	13	in	in	ADP
ajase-3793	436	14	tanzania	tanzania	PROPN
ajase-3793	436	15	.	.	PUNCT
ajase-3793	437	1	east	east	PROPN
ajase-3793	437	2	african	african	PROPN
ajase-3793	437	3	journal	journal	PROPN
ajase-3793	437	4	of	of	ADP
ajase-3793	437	5	education	education	NOUN
ajase-3793	437	6	and	and	CCONJ
ajase-3793	437	7	social	social	ADJ
ajase-3793	437	8	sciences	science	NOUN
ajase-3793	437	9	,	,	PUNCT
ajase-3793	437	10	4(4	4(4	NUM
ajase-3793	437	11	)	)	PUNCT
ajase-3793	437	12	,	,	PUNCT
ajase-3793	437	13	112–121	112–121	NUM
ajase-3793	437	14	.	.	PUNCT
ajase-3793	438	1	meki	meki	PROPN
ajase-3793	438	2	,	,	PUNCT
ajase-3793	438	3	m.	m.	NOUN
ajase-3793	438	4	,	,	PUNCT
ajase-3793	438	5	&	&	CCONJ
ajase-3793	438	6	quinn	quinn	PROPN
ajase-3793	438	7	,	,	PUNCT
ajase-3793	438	8	s.	s.	PROPN
ajase-3793	438	9	(	(	PUNCT
ajase-3793	438	10	2024	2024	NUM
ajase-3793	438	11	)	)	PUNCT
ajase-3793	438	12	.	.	PUNCT
ajase-3793	439	1	microfinance	microfinance	NOUN
ajase-3793	439	2	:	:	PUNCT
ajase-3793	439	3	an	an	DET
ajase-3793	439	4	overview	overview	NOUN
ajase-3793	439	5	.	.	PUNCT
ajase-3793	440	1	oxford	oxford	PROPN
ajase-3793	440	2	review	review	NOUN
ajase-3793	440	3	of	of	ADP
ajase-3793	440	4	economic	economic	ADJ
ajase-3793	440	5	policy	policy	NOUN
ajase-3793	440	6	,	,	PUNCT
ajase-3793	440	7	40(1	40(1	NOUN
ajase-3793	440	8	)	)	PUNCT
ajase-3793	440	9	,	,	PUNCT
ajase-3793	440	10	1–7	1–7	X
ajase-3793	440	11	.	.	PUNCT
ajase-3793	440	12	mengstie	mengstie	PROPN
ajase-3793	440	13	,	,	PUNCT
ajase-3793	440	14	b.	b.	PROPN
ajase-3793	440	15	(	(	PUNCT
ajase-3793	440	16	2022	2022	NUM
ajase-3793	440	17	)	)	PUNCT
ajase-3793	440	18	.	.	PUNCT
ajase-3793	441	1	impact	impact	NOUN
ajase-3793	441	2	of	of	ADP
ajase-3793	441	3	microfinance	microfinance	NOUN
ajase-3793	441	4	on	on	ADP
ajase-3793	441	5	women	woman	NOUN
ajase-3793	441	6	’s	’s	PART
ajase-3793	441	7	economic	economic	ADJ
ajase-3793	441	8	empowerment	empowerment	NOUN
ajase-3793	441	9	.	.	PUNCT
ajase-3793	442	1	journal	journal	NOUN
ajase-3793	442	2	of	of	ADP
ajase-3793	442	3	innovation	innovation	NOUN
ajase-3793	442	4	and	and	CCONJ
ajase-3793	442	5	entrepreneurship	entrepreneurship	NOUN
ajase-3793	442	6	,	,	PUNCT
ajase-3793	442	7	11(55	11(55	NUM
ajase-3793	442	8	)	)	PUNCT
ajase-3793	442	9	.	.	PUNCT
ajase-3793	443	1	mponzi	mponzi	PROPN
ajase-3793	443	2	,	,	PUNCT
ajase-3793	443	3	w.	w.	PROPN
ajase-3793	443	4	,	,	PUNCT
ajase-3793	443	5	msaky	msaky	PROPN
ajase-3793	443	6	,	,	PUNCT
ajase-3793	443	7	d.	d.	PROPN
ajase-3793	443	8	,	,	PUNCT
ajase-3793	443	9	binyaruka	binyaruka	PROPN
ajase-3793	443	10	,	,	PUNCT
ajase-3793	443	11	p.	p.	NOUN
ajase-3793	443	12	,	,	PUNCT
ajase-3793	443	13	&	&	CCONJ
ajase-3793	443	14	kaindoa	kaindoa	PROPN
ajase-3793	443	15	,	,	PUNCT
ajase-3793	443	16	w.	w.	PROPN
ajase-3793	443	17	(	(	PUNCT
ajase-3793	443	18	2023	2023	NUM
ajase-3793	443	19	)	)	PUNCT
ajase-3793	443	20	.	.	PUNCT
ajase-3793	444	1	exploring	explore	VERB
ajase-3793	444	2	the	the	DET
ajase-3793	444	3	potential	potential	NOUN
ajase-3793	444	4	of	of	ADP
ajase-3793	444	5	village	village	NOUN
ajase-3793	444	6	community	community	NOUN
ajase-3793	444	7	banking	banking	NOUN
ajase-3793	444	8	as	as	ADP
ajase-3793	444	9	a	a	DET
ajase-3793	444	10	community	community	NOUN
ajase-3793	444	11	-	-	PUNCT
ajase-3793	444	12	based	base	VERB
ajase-3793	444	13	financing	financing	NOUN
ajase-3793	444	14	system	system	NOUN
ajase-3793	444	15	for	for	ADP
ajase-3793	444	16	house	house	NOUN
ajase-3793	444	17	improvements	improvement	NOUN
ajase-3793	444	18	and	and	CCONJ
ajase-3793	444	19	malaria	malaria	NOUN
ajase-3793	444	20	vector	vector	NOUN
ajase-3793	444	21	control	control	NOUN
ajase-3793	444	22	in	in	ADP
ajase-3793	444	23	rural	rural	ADJ
ajase-3793	444	24	tanzania	tanzania	PROPN
ajase-3793	444	25	.	.	PUNCT
ajase-3793	445	1	plos	plos	PROPN
ajase-3793	445	2	global	global	PROPN
ajase-3793	445	3	public	public	PROPN
ajase-3793	445	4	health	health	NOUN
ajase-3793	445	5	,	,	PUNCT
ajase-3793	445	6	3(11	3(11	NUM
ajase-3793	445	7	)	)	PUNCT
ajase-3793	445	8	.	.	PUNCT
ajase-3793	446	1	morsy	morsy	NOUN
ajase-3793	446	2	,	,	PUNCT
ajase-3793	446	3	h.	h.	PROPN
ajase-3793	446	4	(	(	PUNCT
ajase-3793	446	5	2020	2020	NUM
ajase-3793	446	6	)	)	PUNCT
ajase-3793	446	7	.	.	PUNCT
ajase-3793	447	1	financial	financial	ADJ
ajase-3793	447	2	inclusion	inclusion	NOUN
ajase-3793	447	3	and	and	CCONJ
ajase-3793	447	4	women	woman	NOUN
ajase-3793	447	5	’s	’s	PART
ajase-3793	447	6	economic	economic	ADJ
ajase-3793	447	7	participation	participation	NOUN
ajase-3793	447	8	.	.	PUNCT
ajase-3793	448	1	imf	imf	PROPN
ajase-3793	448	2	elibrary	elibrary	PROPN
ajase-3793	448	3	.	.	PUNCT
ajase-3793	449	1	https://www	https://www	PROPN
ajase-3793	449	2	.	.	PUNCT
ajase-3793	449	3	elibrary.imf.org/view/journals/022/0057/001/	elibrary.imf.org/view/journals/022/0057/001/	PUNCT
ajase-3793	449	4	article-a015-en.xml	article-a015-en.xml	NUM
ajase-3793	449	5	mukulu	mukulu	VERB
ajase-3793	449	6	,	,	PUNCT
ajase-3793	449	7	j.	j.	PROPN
ajase-3793	449	8	,	,	PUNCT
ajase-3793	449	9	&	&	CCONJ
ajase-3793	449	10	qutieshat	qutieshat	PROPN
ajase-3793	449	11	,	,	PUNCT
ajase-3793	449	12	a.	a.	NOUN
ajase-3793	449	13	(	(	PUNCT
ajase-3793	449	14	2021	2021	NUM
ajase-3793	449	15	)	)	PUNCT
ajase-3793	449	16	.	.	PUNCT
ajase-3793	450	1	brief	brief	ADJ
ajase-3793	450	2	review	review	NOUN
ajase-3793	450	3	of	of	ADP
ajase-3793	450	4	informal	informal	ADJ
ajase-3793	450	5	financial	financial	ADJ
ajase-3793	450	6	services	service	NOUN
ajase-3793	450	7	typologies	typology	NOUN
ajase-3793	450	8	in	in	ADP
ajase-3793	450	9	zambia	zambia	PROPN
ajase-3793	450	10	:	:	PUNCT
ajase-3793	450	11	investing	invest	VERB
ajase-3793	450	12	in	in	ADP
ajase-3793	450	13	sustainable	sustainable	ADJ
ajase-3793	450	14	savings	saving	NOUN
ajase-3793	450	15	groups	group	NOUN
ajase-3793	450	16	.	.	PUNCT
ajase-3793	451	1	journal	journal	PROPN
ajase-3793	451	2	of	of	ADP
ajase-3793	451	3	humanities	humanity	NOUN
ajase-3793	451	4	and	and	CCONJ
ajase-3793	451	5	social	social	ADJ
ajase-3793	451	6	sciences	science	NOUN
ajase-3793	451	7	studies	study	NOUN
ajase-3793	451	8	,	,	PUNCT
ajase-3793	451	9	3(11	3(11	NUM
ajase-3793	451	10	)	)	PUNCT
ajase-3793	451	11	,	,	PUNCT
ajase-3793	451	12	54–61	54–61	X
ajase-3793	451	13	.	.	PUNCT
ajase-3793	452	1	mwaka	mwaka	PROPN
ajase-3793	452	2	,	,	PUNCT
ajase-3793	452	3	s.	s.	PROPN
ajase-3793	452	4	(	(	PUNCT
ajase-3793	452	5	2020	2020	NUM
ajase-3793	452	6	)	)	PUNCT
ajase-3793	452	7	.	.	PUNCT
ajase-3793	453	1	an	an	DET
ajase-3793	453	2	assessment	assessment	NOUN
ajase-3793	453	3	of	of	ADP
ajase-3793	453	4	the	the	DET
ajase-3793	453	5	impact	impact	NOUN
ajase-3793	453	6	of	of	ADP
ajase-3793	453	7	village	village	NOUN
ajase-3793	453	8	banking	banking	NOUN
ajase-3793	453	9	as	as	ADP
ajase-3793	453	10	a	a	DET
ajase-3793	453	11	means	means	NOUN
ajase-3793	453	12	of	of	ADP
ajase-3793	453	13	youth	youth	NOUN
ajase-3793	453	14	economic	economic	ADJ
ajase-3793	453	15	empowerment	empowerment	NOUN
ajase-3793	453	16	.	.	PUNCT
ajase-3793	454	1	master	master	NOUN
ajase-3793	454	2	’s	’s	PART
ajase-3793	454	3	thesis	thesis	NOUN
ajase-3793	454	4	,	,	PUNCT
ajase-3793	454	5	university	university	PROPN
ajase-3793	454	6	of	of	ADP
ajase-3793	454	7	zambia	zambia	PROPN
ajase-3793	454	8	.	.	PUNCT
ajase-3793	455	1	niaz	niaz	PROPN
ajase-3793	455	2	,	,	PUNCT
ajase-3793	455	3	m.	m.	NOUN
ajase-3793	455	4	,	,	PUNCT
ajase-3793	455	5	&	&	CCONJ
ajase-3793	455	6	iqbal	iqbal	PROPN
ajase-3793	455	7	,	,	PUNCT
ajase-3793	455	8	m.	m.	NOUN
ajase-3793	455	9	(	(	PUNCT
ajase-3793	455	10	2019	2019	NUM
ajase-3793	455	11	)	)	PUNCT
ajase-3793	455	12	.	.	PUNCT
ajase-3793	456	1	effect	effect	NOUN
ajase-3793	456	2	of	of	ADP
ajase-3793	456	3	microfinance	microfinance	NOUN
ajase-3793	456	4	on	on	ADP
ajase-3793	456	5	women	woman	NOUN
ajase-3793	456	6	empowerment	empowerment	NOUN
ajase-3793	456	7	:	:	PUNCT
ajase-3793	456	8	a	a	DET
ajase-3793	456	9	case	case	NOUN
ajase-3793	456	10	study	study	NOUN
ajase-3793	456	11	of	of	ADP
ajase-3793	456	12	pakistan	pakistan	PROPN
ajase-3793	456	13	.	.	PUNCT
ajase-3793	457	1	ssrn	ssrn	PROPN
ajase-3793	457	2	electronic	electronic	ADJ
ajase-3793	457	3	journal	journal	NOUN
ajase-3793	457	4	.	.	PUNCT
ajase-3793	458	1	https://doi.org/10.2139/	https://doi.org/10.2139/	PROPN
ajase-3793	458	2	ssrn.3506429	ssrn.3506429	PROPN
ajase-3793	458	3	omar	omar	PROPN
ajase-3793	458	4	,	,	PUNCT
ajase-3793	458	5	m.	m.	NOUN
ajase-3793	458	6	,	,	PUNCT
ajase-3793	458	7	&	&	CCONJ
ajase-3793	458	8	inaba	inaba	PROPN
ajase-3793	458	9	,	,	PUNCT
ajase-3793	458	10	k.	k.	PROPN
ajase-3793	458	11	(	(	PUNCT
ajase-3793	458	12	2020	2020	NUM
ajase-3793	458	13	)	)	PUNCT
ajase-3793	458	14	.	.	PUNCT
ajase-3793	459	1	does	do	AUX
ajase-3793	459	2	financial	financial	ADJ
ajase-3793	459	3	inclusion	inclusion	NOUN
ajase-3793	459	4	reduce	reduce	VERB
ajase-3793	459	5	poverty	poverty	NOUN
ajase-3793	459	6	and	and	CCONJ
ajase-3793	459	7	income	income	NOUN
ajase-3793	459	8	inequality	inequality	NOUN
ajase-3793	459	9	in	in	ADP
ajase-3793	459	10	developing	develop	VERB
ajase-3793	459	11	countries	country	NOUN
ajase-3793	459	12	?	?	PUNCT
ajase-3793	460	1	a	a	DET
ajase-3793	460	2	panel	panel	NOUN
ajase-3793	460	3	data	data	VERB
ajase-3793	460	4	analysis	analysis	NOUN
ajase-3793	460	5	.	.	PUNCT
ajase-3793	461	1	journal	journal	NOUN
ajase-3793	461	2	of	of	ADP
ajase-3793	461	3	economic	economic	ADJ
ajase-3793	461	4	structures	structure	NOUN
ajase-3793	461	5	,	,	PUNCT
ajase-3793	461	6	9(37	9(37	NUM
ajase-3793	461	7	)	)	PUNCT
ajase-3793	461	8	.	.	PUNCT
ajase-3793	462	1	pare	pare	PROPN
ajase-3793	462	2	,	,	PUNCT
ajase-3793	462	3	z.	z.	PROPN
ajase-3793	462	4	(	(	PUNCT
ajase-3793	462	5	2021	2021	NUM
ajase-3793	462	6	)	)	PUNCT
ajase-3793	462	7	.	.	PUNCT
ajase-3793	463	1	banking	banking	NOUN
ajase-3793	463	2	on	on	ADP
ajase-3793	463	3	her	she	PRON
ajase-3793	463	4	:	:	PUNCT
ajase-3793	463	5	the	the	DET
ajase-3793	463	6	effects	effect	NOUN
ajase-3793	463	7	of	of	ADP
ajase-3793	463	8	microfinance	microfinance	NOUN
ajase-3793	463	9	on	on	ADP
ajase-3793	463	10	women	woman	NOUN
ajase-3793	463	11	’s	’s	PART
ajase-3793	463	12	autonomy	autonomy	NOUN
ajase-3793	463	13	in	in	ADP
ajase-3793	463	14	developing	develop	VERB
ajase-3793	463	15	economies	economy	NOUN
ajase-3793	463	16	.	.	PUNCT
ajase-3793	464	1	[	[	X
ajase-3793	464	2	honors	honor	NOUN
ajase-3793	464	3	thesis	thesis	NOUN
ajase-3793	464	4	,	,	PUNCT
ajase-3793	464	5	mahurin	mahurin	PROPN
ajase-3793	464	6	honors	honors	PROPN
ajase-3793	464	7	college	college	PROPN
ajase-3793	464	8	]	]	PUNCT
ajase-3793	464	9	.	.	PUNCT
ajase-3793	465	1	oyinloye	oyinloye	PROPN
ajase-3793	465	2	,	,	PUNCT
ajase-3793	465	3	p.	p.	NOUN
ajase-3793	465	4	o.	o.	NOUN
ajase-3793	466	1	(	(	PUNCT
ajase-3793	466	2	2024	2024	NUM
ajase-3793	466	3	)	)	PUNCT
ajase-3793	466	4	.	.	PUNCT
ajase-3793	467	1	modelling	model	VERB
ajase-3793	467	2	a	a	DET
ajase-3793	467	3	time	time	NOUN
ajase-3793	467	4	study	study	NOUN
ajase-3793	467	5	of	of	ADP
ajase-3793	467	6	the	the	DET
ajase-3793	467	7	united	united	PROPN
ajase-3793	467	8	states	states	PROPN
ajase-3793	467	9	consumer	consumer	NOUN
ajase-3793	467	10	price	price	NOUN
ajase-3793	467	11	index	index	NOUN
ajase-3793	467	12	from	from	ADP
ajase-3793	467	13	2014	2014	NUM
ajase-3793	467	14	to	to	ADP
ajase-3793	467	15	2023	2023	NUM
ajase-3793	467	16	.	.	PUNCT
ajase-3793	468	1	american	american	ADJ
ajase-3793	468	2	journal	journal	PROPN
ajase-3793	468	3	of	of	ADP
ajase-3793	468	4	applied	apply	VERB
ajase-3793	468	5	statistics	statistic	NOUN
ajase-3793	468	6	and	and	CCONJ
ajase-3793	468	7	economics	economic	NOUN
ajase-3793	468	8	,	,	PUNCT
ajase-3793	468	9	3(1	3(1	NUM
ajase-3793	468	10	)	)	PUNCT
ajase-3793	468	11	,	,	PUNCT
ajase-3793	468	12	136–144	136–144	NUM
ajase-3793	468	13	.	.	X
ajase-3793	469	1	https://doi.org/10.54536/	https://doi.org/10.54536/	PROPN
ajase-3793	469	2	ajase.v3i1.3551	ajase.v3i1.3551	NUM
ajase-3793	469	3	shiller	shiller	PROPN
ajase-3793	469	4	,	,	PUNCT
ajase-3793	469	5	r.	r.	PROPN
ajase-3793	469	6	j.	j.	PROPN
ajase-3793	469	7	(	(	PUNCT
ajase-3793	469	8	2008	2008	NUM
ajase-3793	469	9	)	)	PUNCT
ajase-3793	469	10	.	.	PUNCT
ajase-3793	470	1	the	the	DET
ajase-3793	470	2	subprime	subprime	ADJ
ajase-3793	470	3	solution	solution	NOUN
ajase-3793	470	4	:	:	PUNCT
ajase-3793	470	5	how	how	SCONJ
ajase-3793	470	6	today	today	NOUN
ajase-3793	470	7	’s	’s	PART
ajase-3793	470	8	global	global	ADJ
ajase-3793	470	9	financial	financial	ADJ
ajase-3793	470	10	crisis	crisis	NOUN
ajase-3793	470	11	happened	happen	VERB
ajase-3793	470	12	,	,	PUNCT
ajase-3793	470	13	and	and	CCONJ
ajase-3793	470	14	what	what	PRON
ajase-3793	470	15	to	to	PART
ajase-3793	470	16	do	do	VERB
ajase-3793	470	17	about	about	ADP
ajase-3793	470	18	it	it	PRON
ajase-3793	470	19	.	.	PUNCT
ajase-3793	471	1	princeton	princeton	PROPN
ajase-3793	471	2	university	university	PROPN
ajase-3793	471	3	press	press	NOUN
ajase-3793	471	4	.	.	PUNCT
ajase-3793	472	1	sibeso	sibeso	NOUN
ajase-3793	472	2	,	,	PUNCT
ajase-3793	472	3	g.	g.	PROPN
ajase-3793	472	4	(	(	PUNCT
ajase-3793	472	5	2022	2022	NUM
ajase-3793	472	6	)	)	PUNCT
ajase-3793	472	7	.	.	PUNCT
ajase-3793	473	1	evaluating	evaluate	VERB
ajase-3793	473	2	village	village	NOUN
ajase-3793	473	3	banking	banking	NOUN
ajase-3793	473	4	and	and	CCONJ
ajase-3793	473	5	business	business	NOUN
ajase-3793	473	6	expansion	expansion	NOUN
ajase-3793	473	7	among	among	ADP
ajase-3793	473	8	soweto	soweto	PROPN
ajase-3793	473	9	marketeers	marketeer	NOUN
ajase-3793	473	10	in	in	ADP
ajase-3793	473	11	lusaka	lusaka	PROPN
ajase-3793	473	12	.	.	PUNCT
ajase-3793	474	1	lusaka	lusaka	PROPN
ajase-3793	474	2	:	:	PUNCT
ajase-3793	474	3	the	the	DET
ajase-3793	474	4	university	university	PROPN
ajase-3793	474	5	of	of	ADP
ajase-3793	474	6	zambia	zambia	PROPN
ajase-3793	474	7	.	.	PUNCT
ajase-3793	475	1	thomas	thomas	PROPN
ajase-3793	475	2	,	,	PUNCT
ajase-3793	475	3	r.	r.	PROPN
ajase-3793	475	4	(	(	PUNCT
ajase-3793	475	5	2023	2023	NUM
ajase-3793	475	6	)	)	PUNCT
ajase-3793	475	7	.	.	PUNCT
ajase-3793	476	1	enago	enago	PROPN
ajase-3793	476	2	academy	academy	PROPN
ajase-3793	476	3	.	.	PUNCT
ajase-3793	477	1	https://www.enago	https://www.enago	PROPN
ajase-3793	477	2	.	.	PUNCT
ajase-3793	478	1	pa	pa	PROPN
ajase-3793	478	2	ge	ge	PROPN
ajase-3793	478	3	16	16	NUM
ajase-3793	478	4	6	6	NUM
ajase-3793	478	5	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-3793	478	6	am	am	NOUN
ajase-3793	478	7	.	.	PUNCT
ajase-3793	479	1	j.	j.	PROPN
ajase-3793	479	2	appl	appl	PROPN
ajase-3793	479	3	.	.	PROPN
ajase-3793	480	1	stat	stat	PROPN
ajase-3793	480	2	.	.	PUNCT
ajase-3793	481	1	econ	econ	PROPN
ajase-3793	481	2	.	.	PUNCT
ajase-3793	482	1	3(1	3(1	NUM
ajase-3793	482	2	)	)	PUNCT
ajase-3793	482	3	154	154	NUM
ajase-3793	482	4	-	-	SYM
ajase-3793	482	5	166	166	NUM
ajase-3793	482	6	,	,	PUNCT
ajase-3793	482	7	2024	2024	NUM
ajase-3793	482	8	com	com	NOUN
ajase-3793	482	9	/	/	SYM
ajase-3793	482	10	academy	academy	NOUN
ajase-3793	482	11	/	/	SYM
ajase-3793	482	12	population	population	NOUN
ajase-3793	482	13	-	-	PUNCT
ajase-3793	482	14	vs	vs	ADP
ajase-3793	482	15	-	-	PUNCT
ajase-3793	482	16	sample	sample	NOUN
ajase-3793	482	17	tomaselli	tomaselli	PROPN
ajase-3793	482	18	,	,	PUNCT
ajase-3793	482	19	f.	f.	PROPN
ajase-3793	482	20	,	,	PUNCT
ajase-3793	482	21	timko	timko	PROPN
ajase-3793	482	22	,	,	PUNCT
ajase-3793	482	23	j.	j.	PROPN
ajase-3793	482	24	,	,	PUNCT
ajase-3793	482	25	&	&	CCONJ
ajase-3793	482	26	kozak	kozak	PROPN
ajase-3793	482	27	,	,	PUNCT
ajase-3793	482	28	r.	r.	PROPN
ajase-3793	482	29	(	(	PUNCT
ajase-3793	482	30	2013	2013	NUM
ajase-3793	482	31	)	)	PUNCT
ajase-3793	482	32	.	.	PUNCT
ajase-3793	483	1	assessing	assess	VERB
ajase-3793	483	2	small	small	ADJ
ajase-3793	483	3	and	and	CCONJ
ajase-3793	483	4	medium	medium	NOUN
ajase-3793	483	5	forest	forest	NOUN
ajase-3793	483	6	enterprises	enterprise	NOUN
ajase-3793	483	7	’	'	PUNCT
ajase-3793	483	8	access	access	NOUN
ajase-3793	483	9	to	to	ADP
ajase-3793	483	10	microfinance	microfinance	NOUN
ajase-3793	483	11	:	:	PUNCT
ajase-3793	483	12	case	case	NOUN
ajase-3793	483	13	studies	study	NOUN
ajase-3793	483	14	from	from	ADP
ajase-3793	483	15	the	the	DET
ajase-3793	483	16	gambia	gambia	NOUN
ajase-3793	483	17	.	.	PUNCT
ajase-3793	484	1	the	the	DET
ajase-3793	484	2	journal	journal	PROPN
ajase-3793	484	3	of	of	ADP
ajase-3793	484	4	development	development	NOUN
ajase-3793	484	5	studies	study	NOUN
ajase-3793	484	6	,	,	PUNCT
ajase-3793	484	7	49(3	49(3	PROPN
ajase-3793	484	8	)	)	PUNCT
ajase-3793	484	9	.	.	PUNCT
ajase-3793	485	1	tria	tria	PROPN
ajase-3793	485	2	,	,	PUNCT
ajase-3793	485	3	d.	d.	PROPN
ajase-3793	485	4	,	,	PUNCT
ajase-3793	485	5	harun	harun	PROPN
ajase-3793	485	6	,	,	PUNCT
ajase-3793	485	7	m.	m.	NOUN
ajase-3793	485	8	,	,	PUNCT
ajase-3793	485	9	&	&	CCONJ
ajase-3793	485	10	alam	alam	PROPN
ajase-3793	485	11	,	,	PUNCT
ajase-3793	485	12	m.(2022	m.(2022	PROPN
ajase-3793	485	13	)	)	PUNCT
ajase-3793	485	14	.	.	PUNCT
ajase-3793	486	1	microcredit	microcredit	NOUN
ajase-3793	486	2	as	as	ADP
ajase-3793	486	3	a	a	DET
ajase-3793	486	4	strategy	strategy	NOUN
ajase-3793	486	5	for	for	ADP
ajase-3793	486	6	employment	employment	NOUN
ajase-3793	486	7	creation	creation	NOUN
ajase-3793	486	8	:	:	PUNCT
ajase-3793	486	9	a	a	DET
ajase-3793	486	10	systematic	systematic	ADJ
ajase-3793	486	11	review	review	NOUN
ajase-3793	486	12	of	of	ADP
ajase-3793	486	13	the	the	DET
ajase-3793	486	14	literature	literature	NOUN
ajase-3793	486	15	.	.	PUNCT
ajase-3793	487	1	cogent	cogent	NOUN
ajase-3793	487	2	economics	economics	PROPN
ajase-3793	487	3	&	&	CCONJ
ajase-3793	487	4	finance	finance	PROPN
ajase-3793	487	5	,	,	PUNCT
ajase-3793	487	6	10(1	10(1	NUM
ajase-3793	487	7	)	)	PUNCT
ajase-3793	487	8	.	.	PUNCT
ajase-3793	488	1	van	van	PROPN
ajase-3793	488	2	maanen	maanen	PROPN
ajase-3793	488	3	,	,	PUNCT
ajase-3793	488	4	g.	g.	PROPN
ajase-3793	488	5	(	(	PUNCT
ajase-3793	488	6	2004	2004	NUM
ajase-3793	488	7	)	)	PUNCT
ajase-3793	488	8	.	.	PUNCT
ajase-3793	489	1	microcredit	microcredit	NOUN
ajase-3793	489	2	:	:	PUNCT
ajase-3793	489	3	sound	sound	NOUN
ajase-3793	489	4	business	business	NOUN
ajase-3793	489	5	or	or	CCONJ
ajase-3793	489	6	development	development	NOUN
ajase-3793	489	7	instrument	instrument	NOUN
ajase-3793	489	8	.	.	PUNCT
ajase-3793	490	1	sgo	sgo	NOUN
ajase-3793	490	2	uitgeverij	uitgeverij	ADJ
ajase-3793	490	3	.	.	PUNCT
ajase-3793	491	1	wakunuma	wakunuma	PROPN
ajase-3793	491	2	,	,	PUNCT
ajase-3793	491	3	k.	k.	PROPN
ajase-3793	491	4	,	,	PUNCT
ajase-3793	491	5	siwale	siwale	PROPN
ajase-3793	491	6	,	,	PUNCT
ajase-3793	491	7	j.	j.	PROPN
ajase-3793	491	8	,	,	PUNCT
ajase-3793	491	9	&	&	CCONJ
ajase-3793	491	10	beck	beck	PROPN
ajase-3793	491	11	,	,	PUNCT
ajase-3793	491	12	r.	r.	PROPN
ajase-3793	491	13	(	(	PUNCT
ajase-3793	491	14	2019	2019	NUM
ajase-3793	491	15	)	)	PUNCT
ajase-3793	491	16	.	.	PUNCT
ajase-3793	492	1	computing	compute	VERB
ajase-3793	492	2	for	for	ADP
ajase-3793	492	3	social	social	ADJ
ajase-3793	492	4	good	good	NOUN
ajase-3793	492	5	:	:	PUNCT
ajase-3793	492	6	supporting	support	VERB
ajase-3793	492	7	microfinance	microfinance	NOUN
ajase-3793	492	8	institutions	institution	NOUN
ajase-3793	492	9	in	in	ADP
ajase-3793	492	10	zambia	zambia	PROPN
ajase-3793	492	11	.	.	PUNCT
ajase-3793	493	1	the	the	DET
ajase-3793	493	2	electronic	electronic	ADJ
ajase-3793	493	3	journal	journal	NOUN
ajase-3793	493	4	of	of	ADP
ajase-3793	493	5	information	information	NOUN
ajase-3793	493	6	system	system	NOUN
ajase-3793	493	7	in	in	ADP
ajase-3793	493	8	developing	develop	VERB
ajase-3793	493	9	countries	country	NOUN
ajase-3793	493	10	,	,	PUNCT
ajase-3793	493	11	85(3	85(3	PROPN
ajase-3793	493	12	)	)	PUNCT
ajase-3793	493	13	.	.	PUNCT
ajase-3793	494	1	world	world	PROPN
ajase-3793	494	2	bank	bank	PROPN
ajase-3793	494	3	,	,	PUNCT
ajase-3793	494	4	wb	wb	PROPN
ajase-3793	494	5	.	.	PROPN
ajase-3793	494	6	(	(	PUNCT
ajase-3793	494	7	2017	2017	NUM
ajase-3793	494	8	)	)	PUNCT
ajase-3793	494	9	.	.	PUNCT
ajase-3793	495	1	the	the	DET
ajase-3793	495	2	world	world	PROPN
ajase-3793	495	3	bank	bank	PROPN
ajase-3793	495	4	.	.	PUNCT
ajase-3793	496	1	https://www	https://www	PROPN
ajase-3793	496	2	.	.	PUNCT
ajase-3793	496	3	worldbank.org/en/news/feature/2017/11/08/	worldbank.org/en/news/feature/2017/11/08/	PROPN
ajase-3793	496	4	zambia	zambia	PROPN
ajase-3793	496	5	-	-	PUNCT
ajase-3793	496	6	makes	make	VERB
ajase-3793	496	7	-	-	PUNCT
ajase-3793	496	8	steady	steady	ADJ
ajase-3793	496	9	-	-	PUNCT
ajase-3793	496	10	progress	progress	NOUN
ajase-3793	496	11	-	-	PUNCT
ajase-3793	496	12	in	in	ADP
ajase-3793	496	13	-	-	PUNCT
ajase-3793	496	14	financial	financial	ADJ
ajase-3793	496	15	-	-	PUNCT
ajase-3793	496	16	inclusionbut	inclusionbut	NOUN
ajase-3793	496	17	-	-	PUNCT
ajase-3793	496	18	many	many	ADJ
ajase-3793	496	19	-	-	PUNCT
ajase-3793	496	20	women	woman	NOUN
ajase-3793	496	21	-	-	PUNCT
ajase-3793	496	22	still	still	ADV
ajase-3793	496	23	-	-	PUNCT
ajase-3793	496	24	excluded	exclude	VERB
ajase-3793	496	25	world	world	NOUN
ajase-3793	496	26	bank	bank	NOUN
ajase-3793	496	27	.	.	PUNCT
ajase-3793	497	1	(	(	PUNCT
ajase-3793	497	2	2023	2023	NUM
ajase-3793	497	3	)	)	PUNCT
ajase-3793	497	4	.	.	PUNCT
ajase-3793	498	1	financial	financial	ADJ
ajase-3793	498	2	inclusion	inclusion	NOUN
ajase-3793	498	3	lessons	lesson	NOUN
ajase-3793	498	4	from	from	ADP
ajase-3793	498	5	world	world	PROPN
ajase-3793	498	6	bank	bank	PROPN
ajase-3793	498	7	group	group	NOUN
ajase-3793	498	8	experience	experience	NOUN
ajase-3793	498	9	,	,	PUNCT
ajase-3793	498	10	fiscal	fiscal	ADJ
ajase-3793	498	11	years	year	NOUN
ajase-3793	498	12	2014–22	2014–22	NUM
ajase-3793	498	13	.	.	PUNCT
ajase-3793	499	1	independent	independent	ADJ
ajase-3793	499	2	evaluation	evaluation	NOUN
ajase-3793	499	3	group	group	NOUN
ajase-3793	499	4	.	.	PUNCT
ajase-3793	500	1	washington	washington	PROPN
ajase-3793	500	2	,	,	PUNCT
ajase-3793	500	3	dc	dc	PROPN
ajase-3793	500	4	:	:	PUNCT
ajase-3793	500	5	world	world	PROPN
ajase-3793	500	6	bank	bank	PROPN
ajase-3793	500	7	.	.	PUNCT
ajase-3793	501	1	http://documents1.worldbank	http://documents1.worldbank	PROPN
ajase-3793	501	2	.	.	PUNCT
ajase-3793	502	1	org	org	ADJ
ajase-3793	502	2	/	/	SYM
ajase-3793	502	3	curated	curate	VERB
ajase-3793	502	4	/	/	SYM
ajase-3793	502	5	en/099305408252329233	en/099305408252329233	NOUN
ajase-3793	502	6	/	/	SYM
ajase-3793	502	7	pdf/	pdf/	NOUN
ajase-3793	502	8	secbos1e6ff9a00041b4261bcdc9c154a7b.pdf	secbos1e6ff9a00041b4261bcdc9c154a7b.pdf	NOUN
ajase-3793	502	9	yamane	yamane	NOUN
ajase-3793	502	10	,	,	PUNCT
ajase-3793	502	11	t.	t.	PROPN
ajase-3793	502	12	(	(	PUNCT
ajase-3793	502	13	1967	1967	NUM
ajase-3793	502	14	)	)	PUNCT
ajase-3793	502	15	.	.	PUNCT
ajase-3793	503	1	statistics	statistic	NOUN
ajase-3793	503	2	:	:	PUNCT
ajase-3793	503	3	the	the	DET
ajase-3793	503	4	measurement	measurement	NOUN
ajase-3793	503	5	of	of	ADP
ajase-3793	503	6	sampling	sample	VERB
ajase-3793	503	7	errors	error	NOUN
ajase-3793	503	8	in	in	ADP
ajase-3793	503	9	sampling	sample	VERB
ajase-3793	503	10	surveys	survey	NOUN
ajase-3793	503	11	.	.	PUNCT
ajase-3793	504	1	harper	harper	NOUN
ajase-3793	504	2	and	and	CCONJ
ajase-3793	504	3	row	row	NOUN
ajase-3793	504	4	,	,	PUNCT
ajase-3793	504	5	new	new	PROPN
ajase-3793	504	6	york	york	PROPN
ajase-3793	504	7	.	.	PUNCT
ajase-3793	505	1	yan	yan	PROPN
ajase-3793	505	2	,	,	PUNCT
ajase-3793	505	3	c.	c.	PROPN
ajase-3793	505	4	,	,	PUNCT
ajase-3793	505	5	tatyana	tatyana	PROPN
ajase-3793	505	6	g	g	PROPN
ajase-3793	505	7	,	,	PUNCT
ajase-3793	505	8	s.	s.	PROPN
ajase-3793	505	9	,	,	PUNCT
ajase-3793	505	10	&	&	CCONJ
ajase-3793	505	11	liang	liang	PROPN
ajase-3793	505	12	,	,	PUNCT
ajase-3793	505	13	x.	x.	NOUN
ajase-3793	505	14	(	(	PUNCT
ajase-3793	505	15	2024	2024	NUM
ajase-3793	505	16	)	)	PUNCT
ajase-3793	505	17	.	.	PUNCT
ajase-3793	506	1	methods	method	NOUN
ajase-3793	506	2	and	and	CCONJ
ajase-3793	506	3	applications	application	NOUN
ajase-3793	506	4	of	of	ADP
ajase-3793	506	5	investment	investment	NOUN
ajase-3793	506	6	decisions	decision	NOUN
ajase-3793	506	7	in	in	ADP
ajase-3793	506	8	the	the	DET
ajase-3793	506	9	catering	catering	NOUN
ajase-3793	506	10	industry	industry	NOUN
ajase-3793	506	11	.	.	PUNCT
ajase-3793	507	1	american	american	PROPN
ajase-3793	507	2	journal	journal	PROPN
ajase-3793	507	3	of	of	ADP
ajase-3793	507	4	applied	apply	VERB
ajase-3793	507	5	statistics	statistic	NOUN
ajase-3793	507	6	and	and	CCONJ
ajase-3793	507	7	economics	economic	NOUN
ajase-3793	507	8	,	,	PUNCT
ajase-3793	507	9	3(1	3(1	NUM
ajase-3793	507	10	)	)	PUNCT
ajase-3793	507	11	,	,	PUNCT
ajase-3793	507	12	73–79	73–79	NOUN
ajase-3793	507	13	.	.	PUNCT
ajase-3793	508	1	https://doi.org/10.54536/	https://doi.org/10.54536/	PROPN
ajase-3793	508	2	ajase.v3i1.2624	ajase.v3i1.2624	PUNCT
ajase-3793	508	3	yunus	yunus	PROPN
ajase-3793	508	4	,	,	PUNCT
ajase-3793	508	5	m.	m.	NOUN
ajase-3793	508	6	(	(	PUNCT
ajase-3793	508	7	1999	1999	NUM
ajase-3793	508	8	)	)	PUNCT
ajase-3793	508	9	.	.	PUNCT
ajase-3793	509	1	banker	banker	NOUN
ajase-3793	509	2	to	to	ADP
ajase-3793	509	3	the	the	DET
ajase-3793	509	4	poor	poor	ADJ
ajase-3793	509	5	:	:	PUNCT
ajase-3793	509	6	micro	micro	ADJ
ajase-3793	509	7	-	-	NOUN
ajase-3793	509	8	lending	lending	NOUN
ajase-3793	509	9	and	and	CCONJ
ajase-3793	509	10	the	the	DET
ajase-3793	509	11	battle	battle	NOUN
ajase-3793	509	12	against	against	ADP
ajase-3793	509	13	world	world	NOUN
ajase-3793	509	14	poverty	poverty	NOUN
ajase-3793	509	15	.	.	PUNCT
ajase-3793	510	1	public	public	ADJ
ajase-3793	510	2	affairs	affairs	PROPN
ajase-3793	510	3	.	.	PUNCT
ajase-3793	511	1	zipar	zipar	PROPN
ajase-3793	511	2	.	.	PUNCT
ajase-3793	512	1	(	(	PUNCT
ajase-3793	512	2	2019	2019	NUM
ajase-3793	512	3	)	)	PUNCT
ajase-3793	512	4	.	.	PUNCT
ajase-3793	513	1	policy	policy	NOUN
ajase-3793	513	2	brief	brief	NOUN
ajase-3793	513	3	no	no	INTJ
ajase-3793	513	4	.	.	PROPN
ajase-3793	513	5	30	30	NUM
ajase-3793	513	6	.	.	PUNCT
ajase-3793	514	1	zipar	zipar	PROPN
ajase-3793	514	2	lusaka	lusaka	PROPN
ajase-3793	514	3	,	,	PUNCT
ajase-3793	514	4	zambia	zambia	PROPN
ajase-3793	514	5	.	.	PUNCT