id	sid	tid	token	lemma	pos
ajbmeb-1381	1	1	american	american	PROPN
ajbmeb-1381	1	2	journal	journal	PROPN
ajbmeb-1381	1	3	of	of	ADP
ajbmeb-1381	1	4	business	business	NOUN
ajbmeb-1381	1	5	management	management	NOUN
ajbmeb-1381	1	6	,	,	PUNCT
ajbmeb-1381	1	7	economics	economic	NOUN
ajbmeb-1381	1	8	and	and	CCONJ
ajbmeb-1381	1	9	banking	banking	NOUN
ajbmeb-1381	1	10	issn	issn	PROPN
ajbmeb-1381	1	11	(	(	PUNCT
ajbmeb-1381	1	12	e	e	NOUN
ajbmeb-1381	1	13	):	):	PUNCT
ajbmeb-1381	1	14	2832	2832	NUM
ajbmeb-1381	1	15	-	-	SYM
ajbmeb-1381	1	16	8078	8078	NUM
ajbmeb-1381	1	17	volume	volume	NOUN
ajbmeb-1381	1	18	17	17	NUM
ajbmeb-1381	1	19	,	,	PUNCT
ajbmeb-1381	1	20	|	|	ADV
ajbmeb-1381	1	21	october	october	PROPN
ajbmeb-1381	1	22	,	,	PUNCT
ajbmeb-1381	1	23	2023	2023	NUM
ajbmeb-1381	1	24	p	p	NOUN
ajbmeb-1381	1	25	a	a	DET
ajbmeb-1381	1	26	g	g	NOUN
ajbmeb-1381	1	27	e	e	NOUN
ajbmeb-1381	1	28	|	|	ADV
ajbmeb-1381	1	29	91	91	NUM
ajbmeb-1381	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1381	1	31	financial	financial	ADJ
ajbmeb-1381	1	32	knowledge	knowledge	NOUN
ajbmeb-1381	1	33	and	and	CCONJ
ajbmeb-1381	1	34	its	its	PRON
ajbmeb-1381	1	35	reflection	reflection	NOUN
ajbmeb-1381	1	36	on	on	ADP
ajbmeb-1381	1	37	financial	financial	ADJ
ajbmeb-1381	1	38	behavior	behavior	NOUN
ajbmeb-1381	1	39	:	:	PUNCT
ajbmeb-1381	1	40	an	an	DET
ajbmeb-1381	1	41	analytical	analytical	ADJ
ajbmeb-1381	1	42	study	study	NOUN
ajbmeb-1381	1	43	of	of	ADP
ajbmeb-1381	1	44	a	a	DET
ajbmeb-1381	1	45	sample	sample	NOUN
ajbmeb-1381	1	46	of	of	ADP
ajbmeb-1381	1	47	customers	customer	NOUN
ajbmeb-1381	1	48	with	with	ADP
ajbmeb-1381	1	49	the	the	DET
ajbmeb-1381	1	50	tbi	tbi	PROPN
ajbmeb-1381	1	51	,	,	PUNCT
ajbmeb-1381	1	52	rafidain	rafidain	PROPN
ajbmeb-1381	1	53	&	&	CCONJ
ajbmeb-1381	1	54	rasheed	rasheed	PROPN
ajbmeb-1381	1	55	banks	bank	NOUN
ajbmeb-1381	1	56	lecturer	lecturer	NOUN
ajbmeb-1381	1	57	doctor	doctor	NOUN
ajbmeb-1381	1	58	hayder	hayder	PROPN
ajbmeb-1381	1	59	m.	m.	PROPN
ajbmeb-1381	1	60	kareem	kareem	PROPN
ajbmeb-1381	1	61	a	a	DET
ajbmeb-1381	1	62	l	l	PROPN
ajbmeb-1381	1	63	duhaidahawi	duhaidahawi	NOUN
ajbmeb-1381	1	64	a	a	DET
ajbmeb-1381	1	65	b	b	PROPN
ajbmeb-1381	1	66	s	s	ADP
ajbmeb-1381	1	67	t	t	PROPN
ajbmeb-1381	1	68	r	r	NOUN
ajbmeb-1381	1	69	a	a	DET
ajbmeb-1381	1	70	c	c	NOUN
ajbmeb-1381	1	71	t	t	NOUN
ajbmeb-1381	1	72	k	k	X
ajbmeb-1381	1	73	e	e	PROPN
ajbmeb-1381	1	74	y	y	PROPN
ajbmeb-1381	1	75	w	w	NOUN
ajbmeb-1381	1	76	o	o	NOUN
ajbmeb-1381	1	77	r	r	NOUN
ajbmeb-1381	1	78	d	d	X
ajbmeb-1381	1	79	s	s	VERB
ajbmeb-1381	1	80	the	the	DET
ajbmeb-1381	1	81	research	research	NOUN
ajbmeb-1381	1	82	aims	aim	VERB
ajbmeb-1381	1	83	to	to	PART
ajbmeb-1381	1	84	determine	determine	VERB
ajbmeb-1381	1	85	the	the	DET
ajbmeb-1381	1	86	role	role	NOUN
ajbmeb-1381	1	87	of	of	ADP
ajbmeb-1381	1	88	financial	financial	ADJ
ajbmeb-1381	1	89	knowledge	knowledge	NOUN
ajbmeb-1381	1	90	among	among	ADP
ajbmeb-1381	1	91	the	the	DET
ajbmeb-1381	1	92	research	research	NOUN
ajbmeb-1381	1	93	sample	sample	NOUN
ajbmeb-1381	1	94	,	,	PUNCT
ajbmeb-1381	1	95	which	which	PRON
ajbmeb-1381	1	96	is	be	AUX
ajbmeb-1381	1	97	represented	represent	VERB
ajbmeb-1381	1	98	by	by	ADP
ajbmeb-1381	1	99	the	the	DET
ajbmeb-1381	1	100	employees	employee	NOUN
ajbmeb-1381	1	101	and	and	CCONJ
ajbmeb-1381	1	102	professors	professor	NOUN
ajbmeb-1381	1	103	of	of	ADP
ajbmeb-1381	1	104	the	the	DET
ajbmeb-1381	1	105	college	college	PROPN
ajbmeb-1381	1	106	of	of	ADP
ajbmeb-1381	1	107	administration	administration	NOUN
ajbmeb-1381	1	108	and	and	CCONJ
ajbmeb-1381	1	109	economics	economic	NOUN
ajbmeb-1381	1	110	the	the	DET
ajbmeb-1381	1	111	university	university	PROPN
ajbmeb-1381	1	112	of	of	ADP
ajbmeb-1381	1	113	kufa	kufa	PROPN
ajbmeb-1381	1	114	and	and	CCONJ
ajbmeb-1381	1	115	the	the	DET
ajbmeb-1381	1	116	college	college	NOUN
ajbmeb-1381	1	117	of	of	ADP
ajbmeb-1381	1	118	imam	imam	PROPN
ajbmeb-1381	1	119	al	al	PROPN
ajbmeb-1381	1	120	-	-	PUNCT
ajbmeb-1381	1	121	kadhim	kadhim	PROPN
ajbmeb-1381	1	122	,	,	PUNCT
ajbmeb-1381	1	123	as	as	SCONJ
ajbmeb-1381	1	124	they	they	PRON
ajbmeb-1381	1	125	are	be	AUX
ajbmeb-1381	1	126	part	part	NOUN
ajbmeb-1381	1	127	of	of	ADP
ajbmeb-1381	1	128	the	the	DET
ajbmeb-1381	1	129	society	society	NOUN
ajbmeb-1381	1	130	that	that	PRON
ajbmeb-1381	1	131	participates	participate	VERB
ajbmeb-1381	1	132	in	in	ADP
ajbmeb-1381	1	133	the	the	DET
ajbmeb-1381	1	134	use	use	NOUN
ajbmeb-1381	1	135	of	of	ADP
ajbmeb-1381	1	136	finance	finance	NOUN
ajbmeb-1381	1	137	at	at	ADP
ajbmeb-1381	1	138	the	the	DET
ajbmeb-1381	1	139	level	level	NOUN
ajbmeb-1381	1	140	of	of	ADP
ajbmeb-1381	1	141	daily	daily	ADJ
ajbmeb-1381	1	142	consumption	consumption	NOUN
ajbmeb-1381	1	143	and	and	CCONJ
ajbmeb-1381	1	144	continuous	continuous	ADJ
ajbmeb-1381	1	145	financial	financial	ADJ
ajbmeb-1381	1	146	transactions	transaction	NOUN
ajbmeb-1381	1	147	.	.	PUNCT
ajbmeb-1381	2	1	they	they	PRON
ajbmeb-1381	2	2	are	be	AUX
ajbmeb-1381	2	3	in	in	ADP
ajbmeb-1381	2	4	the	the	DET
ajbmeb-1381	2	5	field	field	NOUN
ajbmeb-1381	2	6	of	of	ADP
ajbmeb-1381	2	7	our	our	PRON
ajbmeb-1381	2	8	current	current	ADJ
ajbmeb-1381	2	9	study	study	NOUN
ajbmeb-1381	2	10	,	,	PUNCT
ajbmeb-1381	2	11	which	which	PRON
ajbmeb-1381	2	12	is	be	AUX
ajbmeb-1381	2	13	concerned	concern	VERB
ajbmeb-1381	2	14	with	with	ADP
ajbmeb-1381	2	15	matters	matter	NOUN
ajbmeb-1381	2	16	related	relate	VERB
ajbmeb-1381	2	17	to	to	ADP
ajbmeb-1381	2	18	economics	economic	NOUN
ajbmeb-1381	2	19	and	and	CCONJ
ajbmeb-1381	2	20	finance	finance	NOUN
ajbmeb-1381	2	21	,	,	PUNCT
ajbmeb-1381	2	22	which	which	PRON
ajbmeb-1381	2	23	should	should	AUX
ajbmeb-1381	2	24	add	add	VERB
ajbmeb-1381	2	25	better	well	ADJ
ajbmeb-1381	2	26	value	value	NOUN
ajbmeb-1381	2	27	to	to	ADP
ajbmeb-1381	2	28	financial	financial	ADJ
ajbmeb-1381	2	29	knowledge	knowledge	NOUN
ajbmeb-1381	2	30	and	and	CCONJ
ajbmeb-1381	2	31	its	its	PRON
ajbmeb-1381	2	32	nature	nature	NOUN
ajbmeb-1381	2	33	.	.	PUNCT
ajbmeb-1381	3	1	therefore	therefore	ADV
ajbmeb-1381	3	2	,	,	PUNCT
ajbmeb-1381	3	3	college	college	NOUN
ajbmeb-1381	3	4	staff	staff	NOUN
ajbmeb-1381	3	5	needs	need	VERB
ajbmeb-1381	3	6	to	to	PART
ajbmeb-1381	3	7	know	know	VERB
ajbmeb-1381	3	8	and	and	CCONJ
ajbmeb-1381	3	9	apply	apply	VERB
ajbmeb-1381	3	10	the	the	DET
ajbmeb-1381	3	11	meaning	meaning	NOUN
ajbmeb-1381	3	12	of	of	ADP
ajbmeb-1381	3	13	personal	personal	ADJ
ajbmeb-1381	3	14	financial	financial	ADJ
ajbmeb-1381	3	15	management	management	NOUN
ajbmeb-1381	3	16	to	to	PART
ajbmeb-1381	3	17	be	be	AUX
ajbmeb-1381	3	18	able	able	ADJ
ajbmeb-1381	3	19	to	to	PART
ajbmeb-1381	3	20	manage	manage	VERB
ajbmeb-1381	3	21	their	their	PRON
ajbmeb-1381	3	22	financial	financial	ADJ
ajbmeb-1381	3	23	affairs	affair	NOUN
ajbmeb-1381	3	24	and	and	CCONJ
ajbmeb-1381	3	25	live	live	VERB
ajbmeb-1381	3	26	more	more	ADV
ajbmeb-1381	3	27	prosperously	prosperously	ADV
ajbmeb-1381	3	28	in	in	ADP
ajbmeb-1381	3	29	the	the	DET
ajbmeb-1381	3	30	future	future	NOUN
ajbmeb-1381	3	31	.	.	PUNCT
ajbmeb-1381	4	1	there	there	PRON
ajbmeb-1381	4	2	is	be	VERB
ajbmeb-1381	4	3	a	a	DET
ajbmeb-1381	4	4	growing	grow	VERB
ajbmeb-1381	4	5	gap	gap	NOUN
ajbmeb-1381	4	6	between	between	ADP
ajbmeb-1381	4	7	the	the	DET
ajbmeb-1381	4	8	amount	amount	NOUN
ajbmeb-1381	4	9	of	of	ADP
ajbmeb-1381	4	10	financial	financial	ADJ
ajbmeb-1381	4	11	responsibility	responsibility	NOUN
ajbmeb-1381	4	12	given	give	VERB
ajbmeb-1381	4	13	to	to	ADP
ajbmeb-1381	4	14	individuals	individual	NOUN
ajbmeb-1381	4	15	and	and	CCONJ
ajbmeb-1381	4	16	their	their	PRON
ajbmeb-1381	4	17	apparent	apparent	ADJ
ajbmeb-1381	4	18	ability	ability	NOUN
ajbmeb-1381	4	19	to	to	PART
ajbmeb-1381	4	20	manage	manage	VERB
ajbmeb-1381	4	21	financial	financial	ADJ
ajbmeb-1381	4	22	decisions	decision	NOUN
ajbmeb-1381	4	23	and	and	CCONJ
ajbmeb-1381	4	24	take	take	VERB
ajbmeb-1381	4	25	advantage	advantage	NOUN
ajbmeb-1381	4	26	of	of	ADP
ajbmeb-1381	4	27	financial	financial	ADJ
ajbmeb-1381	4	28	opportunities	opportunity	NOUN
ajbmeb-1381	4	29	.	.	PUNCT
ajbmeb-1381	5	1	therefore	therefore	ADV
ajbmeb-1381	5	2	,	,	PUNCT
ajbmeb-1381	5	3	the	the	DET
ajbmeb-1381	5	4	study	study	NOUN
ajbmeb-1381	5	5	was	be	AUX
ajbmeb-1381	5	6	conducted	conduct	VERB
ajbmeb-1381	5	7	on	on	ADP
ajbmeb-1381	5	8	those	those	PRON
ajbmeb-1381	5	9	who	who	PRON
ajbmeb-1381	5	10	deal	deal	VERB
ajbmeb-1381	5	11	with	with	ADP
ajbmeb-1381	5	12	al	al	PROPN
ajbmeb-1381	5	13	-	-	PUNCT
ajbmeb-1381	5	14	rasheed	rasheed	PROPN
ajbmeb-1381	5	15	and	and	CCONJ
ajbmeb-1381	5	16	al	al	PROPN
ajbmeb-1381	5	17	-	-	PUNCT
ajbmeb-1381	5	18	rafidain	rafidain	PROPN
ajbmeb-1381	5	19	bank	bank	NOUN
ajbmeb-1381	5	20	and	and	CCONJ
ajbmeb-1381	5	21	tbi	tbi	NOUN
ajbmeb-1381	5	22	by	by	ADP
ajbmeb-1381	5	23	taking	take	VERB
ajbmeb-1381	5	24	all	all	DET
ajbmeb-1381	5	25	the	the	DET
ajbmeb-1381	5	26	dealers	dealer	NOUN
ajbmeb-1381	5	27	with	with	ADP
ajbmeb-1381	5	28	these	these	DET
ajbmeb-1381	5	29	banks	bank	NOUN
ajbmeb-1381	5	30	as	as	ADP
ajbmeb-1381	5	31	a	a	DET
ajbmeb-1381	5	32	sample	sample	NOUN
ajbmeb-1381	5	33	population	population	NOUN
ajbmeb-1381	5	34	,	,	PUNCT
ajbmeb-1381	5	35	120	120	NUM
ajbmeb-1381	5	36	questionnaires	questionnaire	NOUN
ajbmeb-1381	5	37	were	be	AUX
ajbmeb-1381	5	38	distributed	distribute	VERB
ajbmeb-1381	5	39	and	and	CCONJ
ajbmeb-1381	5	40	116	116	NUM
ajbmeb-1381	5	41	approved	approve	VERB
ajbmeb-1381	5	42	questionnaires	questionnaire	NOUN
ajbmeb-1381	5	43	were	be	AUX
ajbmeb-1381	5	44	answered	answer	VERB
ajbmeb-1381	5	45	by	by	ADP
ajbmeb-1381	5	46	the	the	DET
ajbmeb-1381	5	47	employees	employee	NOUN
ajbmeb-1381	5	48	of	of	ADP
ajbmeb-1381	5	49	the	the	DET
ajbmeb-1381	5	50	two	two	NUM
ajbmeb-1381	5	51	colleges	college	NOUN
ajbmeb-1381	5	52	,	,	PUNCT
ajbmeb-1381	5	53	the	the	DET
ajbmeb-1381	5	54	method	method	NOUN
ajbmeb-1381	5	55	was	be	AUX
ajbmeb-1381	5	56	applied	apply	VERB
ajbmeb-1381	5	57	using	use	VERB
ajbmeb-1381	5	58	spss	spss	PROPN
ajbmeb-1381	5	59	version	version	NOUN
ajbmeb-1381	5	60	23	23	NUM
ajbmeb-1381	5	61	.	.	PUNCT
ajbmeb-1381	6	1	the	the	DET
ajbmeb-1381	6	2	conclusion	conclusion	NOUN
ajbmeb-1381	6	3	was	be	AUX
ajbmeb-1381	6	4	that	that	SCONJ
ajbmeb-1381	6	5	financial	financial	ADJ
ajbmeb-1381	6	6	knowledge	knowledge	NOUN
ajbmeb-1381	6	7	has	have	VERB
ajbmeb-1381	6	8	a	a	DET
ajbmeb-1381	6	9	positive	positive	ADJ
ajbmeb-1381	6	10	and	and	CCONJ
ajbmeb-1381	6	11	significant	significant	ADJ
ajbmeb-1381	6	12	impact	impact	NOUN
ajbmeb-1381	6	13	on	on	ADP
ajbmeb-1381	6	14	personal	personal	ADJ
ajbmeb-1381	6	15	financial	financial	ADJ
ajbmeb-1381	6	16	behavior	behavior	NOUN
ajbmeb-1381	6	17	and	and	CCONJ
ajbmeb-1381	6	18	as	as	ADV
ajbmeb-1381	6	19	well	well	ADV
ajbmeb-1381	6	20	as	as	ADP
ajbmeb-1381	6	21	financial	financial	ADJ
ajbmeb-1381	6	22	knowledge	knowledge	NOUN
ajbmeb-1381	6	23	has	have	VERB
ajbmeb-1381	6	24	a	a	DET
ajbmeb-1381	6	25	positive	positive	ADJ
ajbmeb-1381	6	26	and	and	CCONJ
ajbmeb-1381	6	27	significant	significant	ADJ
ajbmeb-1381	6	28	impact	impact	NOUN
ajbmeb-1381	6	29	on	on	ADP
ajbmeb-1381	6	30	the	the	DET
ajbmeb-1381	6	31	personal	personal	ADJ
ajbmeb-1381	6	32	financial	financial	ADJ
ajbmeb-1381	6	33	management	management	NOUN
ajbmeb-1381	6	34	of	of	ADP
ajbmeb-1381	6	35	the	the	DET
ajbmeb-1381	6	36	study	study	NOUN
ajbmeb-1381	6	37	sample	sample	NOUN
ajbmeb-1381	6	38	individuals	individual	NOUN
ajbmeb-1381	6	39	.	.	PUNCT
ajbmeb-1381	7	1	financial	financial	ADJ
ajbmeb-1381	7	2	knowledge	knowledge	NOUN
ajbmeb-1381	7	3	,	,	PUNCT
ajbmeb-1381	7	4	financial	financial	ADJ
ajbmeb-1381	7	5	behavior	behavior	NOUN
ajbmeb-1381	7	6	,	,	PUNCT
ajbmeb-1381	7	7	personal	personal	ADJ
ajbmeb-1381	7	8	financial	financial	ADJ
ajbmeb-1381	7	9	management	management	NOUN
ajbmeb-1381	7	10	,	,	PUNCT
ajbmeb-1381	7	11	financial	financial	ADJ
ajbmeb-1381	7	12	decisions	decision	NOUN
ajbmeb-1381	7	13	.	.	PUNCT
ajbmeb-1381	8	1	introduction	introduction	NOUN
ajbmeb-1381	8	2	:	:	PUNCT
ajbmeb-1381	8	3	financial	financial	ADJ
ajbmeb-1381	8	4	knowledge	knowledge	NOUN
ajbmeb-1381	8	5	is	be	AUX
ajbmeb-1381	8	6	one	one	NUM
ajbmeb-1381	8	7	of	of	ADP
ajbmeb-1381	8	8	the	the	DET
ajbmeb-1381	8	9	fundamental	fundamental	ADJ
ajbmeb-1381	8	10	skills	skill	NOUN
ajbmeb-1381	8	11	that	that	SCONJ
ajbmeb-1381	8	12	every	every	DET
ajbmeb-1381	8	13	person	person	NOUN
ajbmeb-1381	8	14	in	in	ADP
ajbmeb-1381	8	15	this	this	DET
ajbmeb-1381	8	16	century	century	NOUN
ajbmeb-1381	8	17	has	have	AUX
ajbmeb-1381	8	18	to	to	PART
ajbmeb-1381	8	19	grasp	grasp	VERB
ajbmeb-1381	8	20	is	be	AUX
ajbmeb-1381	8	21	financial	financial	ADJ
ajbmeb-1381	8	22	awareness	awareness	NOUN
ajbmeb-1381	8	23	.	.	PUNCT
ajbmeb-1381	9	1	it	it	PRON
ajbmeb-1381	9	2	is	be	AUX
ajbmeb-1381	9	3	one	one	NUM
ajbmeb-1381	9	4	of	of	ADP
ajbmeb-1381	9	5	the	the	DET
ajbmeb-1381	9	6	contemporary	contemporary	ADJ
ajbmeb-1381	9	7	issues	issue	NOUN
ajbmeb-1381	9	8	that	that	PRON
ajbmeb-1381	9	9	is	be	AUX
ajbmeb-1381	9	10	still	still	ADV
ajbmeb-1381	9	11	being	be	AUX
ajbmeb-1381	9	12	discussed	discuss	VERB
ajbmeb-1381	9	13	,	,	PUNCT
ajbmeb-1381	9	14	from	from	ADP
ajbmeb-1381	9	15	its	its	PRON
ajbmeb-1381	9	16	idea	idea	NOUN
ajbmeb-1381	9	17	to	to	ADP
ajbmeb-1381	9	18	its	its	PRON
ajbmeb-1381	9	19	significance	significance	NOUN
ajbmeb-1381	9	20	and	and	CCONJ
ajbmeb-1381	9	21	outcomes	outcome	NOUN
ajbmeb-1381	9	22	at	at	ADP
ajbmeb-1381	9	23	the	the	DET
ajbmeb-1381	9	24	individual	individual	ADJ
ajbmeb-1381	9	25	and	and	CCONJ
ajbmeb-1381	9	26	national	national	ADJ
ajbmeb-1381	9	27	levels	level	NOUN
ajbmeb-1381	9	28	,	,	PUNCT
ajbmeb-1381	9	29	as	as	ADV
ajbmeb-1381	9	30	well	well	ADV
ajbmeb-1381	9	31	as	as	ADP
ajbmeb-1381	9	32	its	its	PRON
ajbmeb-1381	9	33	effect	effect	NOUN
ajbmeb-1381	9	34	on	on	ADP
ajbmeb-1381	9	35	people	people	NOUN
ajbmeb-1381	9	36	's	's	PART
ajbmeb-1381	9	37	engagement	engagement	NOUN
ajbmeb-1381	9	38	in	in	ADP
ajbmeb-1381	9	39	the	the	DET
ajbmeb-1381	9	40	financial	financial	ADJ
ajbmeb-1381	9	41	market	market	NOUN
ajbmeb-1381	9	42	(	(	PUNCT
ajbmeb-1381	9	43	scheerens	scheeren	NOUN
ajbmeb-1381	9	44	,	,	PUNCT
ajbmeb-1381	9	45	2023	2023	NUM
ajbmeb-1381	9	46	)	)	PUNCT
ajbmeb-1381	9	47	.	.	PUNCT
ajbmeb-1381	10	1	given	give	VERB
ajbmeb-1381	10	2	the	the	DET
ajbmeb-1381	10	3	crucial	crucial	ADJ
ajbmeb-1381	10	4	role	role	NOUN
ajbmeb-1381	10	5	that	that	PRON
ajbmeb-1381	10	6	universities	university	NOUN
ajbmeb-1381	10	7	play	play	VERB
ajbmeb-1381	10	8	in	in	ADP
ajbmeb-1381	10	9	economic	economic	ADJ
ajbmeb-1381	10	10	development	development	NOUN
ajbmeb-1381	10	11	,	,	PUNCT
ajbmeb-1381	10	12	it	it	PRON
ajbmeb-1381	10	13	is	be	AUX
ajbmeb-1381	10	14	thought	think	VERB
ajbmeb-1381	10	15	that	that	SCONJ
ajbmeb-1381	10	16	this	this	DET
ajbmeb-1381	10	17	connection	connection	NOUN
ajbmeb-1381	10	18	will	will	AUX
ajbmeb-1381	10	19	have	have	VERB
ajbmeb-1381	10	20	a	a	DET
ajbmeb-1381	10	21	very	very	ADV
ajbmeb-1381	10	22	clear	clear	ADJ
ajbmeb-1381	10	23	and	and	CCONJ
ajbmeb-1381	10	24	significant	significant	ADJ
ajbmeb-1381	10	25	impact	impact	NOUN
ajbmeb-1381	10	26	on	on	ADP
ajbmeb-1381	10	27	saving	save	VERB
ajbmeb-1381	10	28	money	money	NOUN
ajbmeb-1381	10	29	as	as	ADV
ajbmeb-1381	10	30	well	well	ADV
ajbmeb-1381	10	31	as	as	ADP
ajbmeb-1381	10	32	its	its	PRON
ajbmeb-1381	10	33	impact	impact	NOUN
ajbmeb-1381	10	34	on	on	ADP
ajbmeb-1381	10	35	the	the	DET
ajbmeb-1381	10	36	flow	flow	NOUN
ajbmeb-1381	10	37	of	of	ADP
ajbmeb-1381	10	38	capital	capital	NOUN
ajbmeb-1381	10	39	,	,	PUNCT
ajbmeb-1381	10	40	necessitating	necessitate	VERB
ajbmeb-1381	10	41	the	the	DET
ajbmeb-1381	10	42	elimination	elimination	NOUN
ajbmeb-1381	10	43	of	of	ADP
ajbmeb-1381	10	44	financial	financial	ADJ
ajbmeb-1381	10	45	ignorance	ignorance	NOUN
ajbmeb-1381	10	46	or	or	CCONJ
ajbmeb-1381	10	47	what	what	PRON
ajbmeb-1381	10	48	is	be	AUX
ajbmeb-1381	10	49	known	know	VERB
ajbmeb-1381	10	50	as	as	ADP
ajbmeb-1381	10	51	(	(	PUNCT
ajbmeb-1381	10	52	financial	financial	ADJ
ajbmeb-1381	10	53	literacy	literacy	NOUN
ajbmeb-1381	10	54	)	)	PUNCT
ajbmeb-1381	10	55	as	as	ADP
ajbmeb-1381	10	56	a	a	DET
ajbmeb-1381	10	57	prerequisite	prerequisite	NOUN
ajbmeb-1381	10	58	for	for	SCONJ
ajbmeb-1381	10	59	any	any	DET
ajbmeb-1381	10	60	individual	individual	NOUN
ajbmeb-1381	10	61	to	to	PART
ajbmeb-1381	10	62	achieve	achieve	VERB
ajbmeb-1381	10	63	their	their	PRON
ajbmeb-1381	10	64	financial	financial	ADJ
ajbmeb-1381	10	65	goals	goal	NOUN
ajbmeb-1381	10	66	.	.	PUNCT
ajbmeb-1381	11	1	economic	economic	ADJ
ajbmeb-1381	11	2	liberalisation	liberalisation	NOUN
ajbmeb-1381	11	3	has	have	AUX
ajbmeb-1381	11	4	made	make	VERB
ajbmeb-1381	11	5	finance	finance	NOUN
ajbmeb-1381	11	6	a	a	DET
ajbmeb-1381	11	7	global	global	ADJ
ajbmeb-1381	11	8	phenomenon	phenomenon	NOUN
ajbmeb-1381	11	9	that	that	PRON
ajbmeb-1381	11	10	transcends	transcend	VERB
ajbmeb-1381	11	11	national	national	ADJ
ajbmeb-1381	11	12	american	american	PROPN
ajbmeb-1381	11	13	journal	journal	PROPN
ajbmeb-1381	11	14	of	of	ADP
ajbmeb-1381	11	15	business	business	NOUN
ajbmeb-1381	11	16	management	management	NOUN
ajbmeb-1381	11	17	,	,	PUNCT
ajbmeb-1381	11	18	economics	economic	NOUN
ajbmeb-1381	11	19	and	and	CCONJ
ajbmeb-1381	11	20	banking	banking	NOUN
ajbmeb-1381	11	21	volume	volume	NOUN
ajbmeb-1381	11	22	17	17	NUM
ajbmeb-1381	11	23	oct	oct	PROPN
ajbmeb-1381	11	24	.	.	PROPN
ajbmeb-1381	11	25	,	,	PUNCT
ajbmeb-1381	11	26	2023	2023	NUM
ajbmeb-1381	11	27	p	p	NOUN
ajbmeb-1381	11	28	a	a	DET
ajbmeb-1381	11	29	g	g	NOUN
ajbmeb-1381	11	30	e	e	NOUN
ajbmeb-1381	11	31	|	|	ADV
ajbmeb-1381	11	32	92	92	NUM
ajbmeb-1381	11	33	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1381	11	34	boundaries	boundary	NOUN
ajbmeb-1381	11	35	.	.	PUNCT
ajbmeb-1381	12	1	anywhere	anywhere	ADV
ajbmeb-1381	12	2	in	in	ADP
ajbmeb-1381	12	3	the	the	DET
ajbmeb-1381	12	4	globe	globe	NOUN
ajbmeb-1381	12	5	is	be	AUX
ajbmeb-1381	12	6	a	a	DET
ajbmeb-1381	12	7	viable	viable	ADJ
ajbmeb-1381	12	8	place	place	NOUN
ajbmeb-1381	12	9	to	to	PART
ajbmeb-1381	12	10	invest	invest	VERB
ajbmeb-1381	12	11	and	and	CCONJ
ajbmeb-1381	12	12	borrow	borrow	VERB
ajbmeb-1381	12	13	.	.	PUNCT
ajbmeb-1381	13	1	complex	complex	ADJ
ajbmeb-1381	13	2	financial	financial	ADJ
ajbmeb-1381	13	3	instruments	instrument	NOUN
ajbmeb-1381	13	4	were	be	AUX
ajbmeb-1381	13	5	accessible	accessible	ADJ
ajbmeb-1381	13	6	to	to	ADP
ajbmeb-1381	13	7	investors	investor	NOUN
ajbmeb-1381	13	8	and	and	CCONJ
ajbmeb-1381	13	9	borrowers	borrower	NOUN
ajbmeb-1381	13	10	after	after	SCONJ
ajbmeb-1381	13	11	the	the	DET
ajbmeb-1381	13	12	economic	economic	ADJ
ajbmeb-1381	13	13	floodgates	floodgate	NOUN
ajbmeb-1381	13	14	were	be	AUX
ajbmeb-1381	13	15	opened	open	VERB
ajbmeb-1381	13	16	(	(	PUNCT
ajbmeb-1381	13	17	chitimira	chitimira	NOUN
ajbmeb-1381	13	18	and	and	CCONJ
ajbmeb-1381	13	19	warikandwa	warikandwa	NOUN
ajbmeb-1381	13	20	,	,	PUNCT
ajbmeb-1381	13	21	2022	2022	NUM
ajbmeb-1381	13	22	)	)	PUNCT
ajbmeb-1381	13	23	.	.	PUNCT
ajbmeb-1381	14	1	because	because	SCONJ
ajbmeb-1381	14	2	financial	financial	ADJ
ajbmeb-1381	14	3	consumers	consumer	NOUN
ajbmeb-1381	14	4	lack	lack	VERB
ajbmeb-1381	14	5	sufficient	sufficient	ADJ
ajbmeb-1381	14	6	knowledge	knowledge	NOUN
ajbmeb-1381	14	7	of	of	ADP
ajbmeb-1381	14	8	the	the	DET
ajbmeb-1381	14	9	financial	financial	ADJ
ajbmeb-1381	14	10	products	product	NOUN
ajbmeb-1381	14	11	and	and	CCONJ
ajbmeb-1381	14	12	services	service	NOUN
ajbmeb-1381	14	13	available	available	ADJ
ajbmeb-1381	14	14	to	to	ADP
ajbmeb-1381	14	15	them	they	PRON
ajbmeb-1381	14	16	,	,	PUNCT
ajbmeb-1381	14	17	they	they	PRON
ajbmeb-1381	14	18	are	be	AUX
ajbmeb-1381	14	19	unable	unable	ADJ
ajbmeb-1381	14	20	to	to	PART
ajbmeb-1381	14	21	gain	gain	VERB
ajbmeb-1381	14	22	an	an	DET
ajbmeb-1381	14	23	advantage	advantage	NOUN
ajbmeb-1381	14	24	,	,	PUNCT
ajbmeb-1381	14	25	particularly	particularly	ADV
ajbmeb-1381	14	26	in	in	ADP
ajbmeb-1381	14	27	the	the	DET
ajbmeb-1381	14	28	case	case	NOUN
ajbmeb-1381	14	29	of	of	ADP
ajbmeb-1381	14	30	the	the	DET
ajbmeb-1381	14	31	covid-19	covid-19	PROPN
ajbmeb-1381	14	32	pandemic	pandemic	NOUN
ajbmeb-1381	14	33	,	,	PUNCT
ajbmeb-1381	14	34	which	which	PRON
ajbmeb-1381	14	35	lasts	last	VERB
ajbmeb-1381	14	36	for	for	ADP
ajbmeb-1381	14	37	months	month	NOUN
ajbmeb-1381	14	38	and	and	CCONJ
ajbmeb-1381	14	39	during	during	ADP
ajbmeb-1381	14	40	which	which	PRON
ajbmeb-1381	14	41	the	the	DET
ajbmeb-1381	14	42	public	public	NOUN
ajbmeb-1381	14	43	has	have	AUX
ajbmeb-1381	14	44	suffered	suffer	VERB
ajbmeb-1381	14	45	financially	financially	ADV
ajbmeb-1381	14	46	as	as	ADP
ajbmeb-1381	14	47	a	a	DET
ajbmeb-1381	14	48	result	result	NOUN
ajbmeb-1381	14	49	of	of	ADP
ajbmeb-1381	14	50	having	have	VERB
ajbmeb-1381	14	51	insufficient	insufficient	ADJ
ajbmeb-1381	14	52	savings	saving	NOUN
ajbmeb-1381	14	53	and	and	CCONJ
ajbmeb-1381	14	54	investments	investment	NOUN
ajbmeb-1381	14	55	to	to	PART
ajbmeb-1381	14	56	use	use	VERB
ajbmeb-1381	14	57	in	in	ADP
ajbmeb-1381	14	58	those	those	DET
ajbmeb-1381	14	59	dire	dire	ADJ
ajbmeb-1381	14	60	circumstances	circumstance	NOUN
ajbmeb-1381	14	61	(	(	PUNCT
ajbmeb-1381	14	62	ehrlich	ehrlich	NOUN
ajbmeb-1381	14	63	et	et	PROPN
ajbmeb-1381	14	64	al	al	PROPN
ajbmeb-1381	14	65	.	.	PROPN
ajbmeb-1381	14	66	,	,	PUNCT
ajbmeb-1381	14	67	2023	2023	NUM
ajbmeb-1381	14	68	)	)	PUNCT
ajbmeb-1381	14	69	people	people	NOUN
ajbmeb-1381	14	70	who	who	PRON
ajbmeb-1381	14	71	lack	lack	VERB
ajbmeb-1381	14	72	financial	financial	ADJ
ajbmeb-1381	14	73	literacy	literacy	NOUN
ajbmeb-1381	14	74	experience	experience	NOUN
ajbmeb-1381	14	75	financial	financial	ADJ
ajbmeb-1381	14	76	hardship	hardship	NOUN
ajbmeb-1381	14	77	.	.	PUNCT
ajbmeb-1381	15	1	one	one	NUM
ajbmeb-1381	15	2	of	of	ADP
ajbmeb-1381	15	3	the	the	DET
ajbmeb-1381	15	4	key	key	ADJ
ajbmeb-1381	15	5	reasons	reason	NOUN
ajbmeb-1381	15	6	for	for	ADP
ajbmeb-1381	15	7	financial	financial	ADJ
ajbmeb-1381	15	8	exclusion	exclusion	NOUN
ajbmeb-1381	15	9	is	be	AUX
ajbmeb-1381	15	10	financial	financial	ADJ
ajbmeb-1381	15	11	illiteracy	illiteracy	NOUN
ajbmeb-1381	15	12	.	.	PUNCT
ajbmeb-1381	16	1	people	people	NOUN
ajbmeb-1381	16	2	must	must	AUX
ajbmeb-1381	16	3	possess	possess	VERB
ajbmeb-1381	16	4	the	the	DET
ajbmeb-1381	16	5	necessary	necessary	ADJ
ajbmeb-1381	16	6	knowledge	knowledge	NOUN
ajbmeb-1381	16	7	to	to	PART
ajbmeb-1381	16	8	comprehend	comprehend	VERB
ajbmeb-1381	16	9	the	the	DET
ajbmeb-1381	16	10	fundamentals	fundamental	NOUN
ajbmeb-1381	16	11	of	of	ADP
ajbmeb-1381	16	12	money	money	NOUN
ajbmeb-1381	16	13	management	management	NOUN
ajbmeb-1381	16	14	in	in	ADP
ajbmeb-1381	16	15	order	order	NOUN
ajbmeb-1381	16	16	to	to	PART
ajbmeb-1381	16	17	successfully	successfully	ADV
ajbmeb-1381	16	18	utilise	utilise	VERB
ajbmeb-1381	16	19	financial	financial	ADJ
ajbmeb-1381	16	20	goods	good	NOUN
ajbmeb-1381	16	21	and	and	CCONJ
ajbmeb-1381	16	22	services	service	NOUN
ajbmeb-1381	16	23	.	.	PUNCT
ajbmeb-1381	17	1	financial	financial	ADJ
ajbmeb-1381	17	2	literacy	literacy	NOUN
ajbmeb-1381	17	3	is	be	AUX
ajbmeb-1381	17	4	the	the	DET
ajbmeb-1381	17	5	ability	ability	NOUN
ajbmeb-1381	17	6	to	to	PART
ajbmeb-1381	17	7	handle	handle	VERB
ajbmeb-1381	17	8	money	money	NOUN
ajbmeb-1381	17	9	sensibly	sensibly	ADV
ajbmeb-1381	17	10	,	,	PUNCT
ajbmeb-1381	17	11	comprehend	comprehend	VERB
ajbmeb-1381	17	12	fundamental	fundamental	ADJ
ajbmeb-1381	17	13	financial	financial	ADJ
ajbmeb-1381	17	14	ideas	idea	NOUN
ajbmeb-1381	17	15	,	,	PUNCT
ajbmeb-1381	17	16	and	and	CCONJ
ajbmeb-1381	17	17	recognise	recognise	VERB
ajbmeb-1381	17	18	the	the	DET
ajbmeb-1381	17	19	trade	trade	NOUN
ajbmeb-1381	17	20	-	-	PUNCT
ajbmeb-1381	17	21	off	off	NOUN
ajbmeb-1381	17	22	between	between	ADP
ajbmeb-1381	17	23	risk	risk	NOUN
ajbmeb-1381	17	24	and	and	CCONJ
ajbmeb-1381	17	25	reward	reward	NOUN
ajbmeb-1381	17	26	(	(	PUNCT
ajbmeb-1381	17	27	zhang	zhang	PROPN
ajbmeb-1381	17	28	,	,	PUNCT
ajbmeb-1381	17	29	2022	2022	NUM
ajbmeb-1381	17	30	)	)	PUNCT
ajbmeb-1381	17	31	.	.	PUNCT
ajbmeb-1381	18	1	financial	financial	ADJ
ajbmeb-1381	18	2	decision	decision	NOUN
ajbmeb-1381	18	3	-	-	PUNCT
ajbmeb-1381	18	4	making	making	NOUN
ajbmeb-1381	18	5	is	be	AUX
ajbmeb-1381	18	6	dependent	dependent	ADJ
ajbmeb-1381	18	7	on	on	ADP
ajbmeb-1381	18	8	a	a	DET
ajbmeb-1381	18	9	mix	mix	NOUN
ajbmeb-1381	18	10	of	of	ADP
ajbmeb-1381	18	11	awareness	awareness	NOUN
ajbmeb-1381	18	12	,	,	PUNCT
ajbmeb-1381	18	13	knowledge	knowledge	NOUN
ajbmeb-1381	18	14	,	,	PUNCT
ajbmeb-1381	18	15	skill	skill	NOUN
ajbmeb-1381	18	16	,	,	PUNCT
ajbmeb-1381	18	17	attitudes	attitude	NOUN
ajbmeb-1381	18	18	,	,	PUNCT
ajbmeb-1381	18	19	and	and	CCONJ
ajbmeb-1381	18	20	behaviour	behaviour	NOUN
ajbmeb-1381	18	21	in	in	ADP
ajbmeb-1381	18	22	order	order	NOUN
ajbmeb-1381	18	23	to	to	PART
ajbmeb-1381	18	24	ensure	ensure	VERB
ajbmeb-1381	18	25	long	long	ADJ
ajbmeb-1381	18	26	-	-	PUNCT
ajbmeb-1381	18	27	term	term	NOUN
ajbmeb-1381	18	28	financial	financial	ADJ
ajbmeb-1381	18	29	security	security	NOUN
ajbmeb-1381	18	30	.	.	PUNCT
ajbmeb-1381	19	1	financial	financial	ADJ
ajbmeb-1381	19	2	literacy	literacy	NOUN
ajbmeb-1381	19	3	comprises	comprise	VERB
ajbmeb-1381	19	4	learning	learn	VERB
ajbmeb-1381	19	5	about	about	ADP
ajbmeb-1381	19	6	financial	financial	ADJ
ajbmeb-1381	19	7	services	service	NOUN
ajbmeb-1381	19	8	and	and	CCONJ
ajbmeb-1381	19	9	products	product	NOUN
ajbmeb-1381	19	10	as	as	ADV
ajbmeb-1381	19	11	well	well	ADV
ajbmeb-1381	19	12	as	as	ADP
ajbmeb-1381	19	13	developing	develop	VERB
ajbmeb-1381	19	14	the	the	DET
ajbmeb-1381	19	15	necessary	necessary	ADJ
ajbmeb-1381	19	16	skills	skill	NOUN
ajbmeb-1381	19	17	for	for	ADP
ajbmeb-1381	19	18	ethical	ethical	ADJ
ajbmeb-1381	19	19	financial	financial	ADJ
ajbmeb-1381	19	20	behaviour	behaviour	NOUN
ajbmeb-1381	19	21	.	.	PUNCT
ajbmeb-1381	20	1	governments	government	NOUN
ajbmeb-1381	20	2	and	and	CCONJ
ajbmeb-1381	20	3	people	people	NOUN
ajbmeb-1381	20	4	are	be	AUX
ajbmeb-1381	20	5	growing	grow	VERB
ajbmeb-1381	20	6	more	more	ADV
ajbmeb-1381	20	7	and	and	CCONJ
ajbmeb-1381	20	8	more	more	ADV
ajbmeb-1381	20	9	dependent	dependent	ADJ
ajbmeb-1381	20	10	on	on	ADP
ajbmeb-1381	20	11	their	their	PRON
ajbmeb-1381	20	12	citizens	citizen	NOUN
ajbmeb-1381	20	13	'	'	PART
ajbmeb-1381	20	14	financial	financial	ADJ
ajbmeb-1381	20	15	literacy	literacy	NOUN
ajbmeb-1381	20	16	and	and	CCONJ
ajbmeb-1381	20	17	comprehension	comprehension	NOUN
ajbmeb-1381	20	18	of	of	ADP
ajbmeb-1381	20	19	the	the	DET
ajbmeb-1381	20	20	complexities	complexity	NOUN
ajbmeb-1381	20	21	of	of	ADP
ajbmeb-1381	20	22	money	money	NOUN
ajbmeb-1381	20	23	.	.	PUNCT
ajbmeb-1381	21	1	the	the	DET
ajbmeb-1381	21	2	economic	economic	ADJ
ajbmeb-1381	21	3	stability	stability	NOUN
ajbmeb-1381	21	4	and	and	CCONJ
ajbmeb-1381	21	5	health	health	NOUN
ajbmeb-1381	21	6	of	of	ADP
ajbmeb-1381	21	7	nations	nation	NOUN
ajbmeb-1381	21	8	may	may	AUX
ajbmeb-1381	21	9	be	be	AUX
ajbmeb-1381	21	10	greatly	greatly	ADV
ajbmeb-1381	21	11	affected	affect	VERB
ajbmeb-1381	21	12	by	by	ADP
ajbmeb-1381	21	13	a	a	DET
ajbmeb-1381	21	14	lack	lack	NOUN
ajbmeb-1381	21	15	of	of	ADP
ajbmeb-1381	21	16	understanding	understanding	NOUN
ajbmeb-1381	21	17	of	of	ADP
ajbmeb-1381	21	18	finance	finance	NOUN
ajbmeb-1381	21	19	(	(	PUNCT
ajbmeb-1381	21	20	sara	sara	PROPN
ajbmeb-1381	21	21	et	et	PROPN
ajbmeb-1381	21	22	al	al	PROPN
ajbmeb-1381	21	23	.	.	PROPN
ajbmeb-1381	21	24	,	,	PUNCT
ajbmeb-1381	21	25	2023	2023	NUM
ajbmeb-1381	21	26	)	)	PUNCT
ajbmeb-1381	21	27	.	.	PUNCT
ajbmeb-1381	22	1	because	because	SCONJ
ajbmeb-1381	22	2	of	of	ADP
ajbmeb-1381	22	3	the	the	DET
ajbmeb-1381	22	4	complexity	complexity	NOUN
ajbmeb-1381	22	5	of	of	ADP
ajbmeb-1381	22	6	financial	financial	ADJ
ajbmeb-1381	22	7	goods	good	NOUN
ajbmeb-1381	22	8	and	and	CCONJ
ajbmeb-1381	22	9	services	service	NOUN
ajbmeb-1381	22	10	,	,	PUNCT
ajbmeb-1381	22	11	financial	financial	ADJ
ajbmeb-1381	22	12	knowledge	knowledge	NOUN
ajbmeb-1381	22	13	is	be	AUX
ajbmeb-1381	22	14	becoming	become	VERB
ajbmeb-1381	22	15	more	more	ADV
ajbmeb-1381	22	16	and	and	CCONJ
ajbmeb-1381	22	17	more	more	ADV
ajbmeb-1381	22	18	important	important	ADJ
ajbmeb-1381	22	19	.	.	PUNCT
ajbmeb-1381	23	1	financial	financial	ADJ
ajbmeb-1381	23	2	arithmetic	arithmetic	ADJ
ajbmeb-1381	23	3	ideas	idea	NOUN
ajbmeb-1381	23	4	like	like	ADP
ajbmeb-1381	23	5	basic	basic	ADJ
ajbmeb-1381	23	6	compound	compound	NOUN
ajbmeb-1381	23	7	interest	interest	NOUN
ajbmeb-1381	23	8	,	,	PUNCT
ajbmeb-1381	23	9	inflation	inflation	NOUN
ajbmeb-1381	23	10	,	,	PUNCT
ajbmeb-1381	23	11	and	and	CCONJ
ajbmeb-1381	23	12	risk	risk	NOUN
ajbmeb-1381	23	13	diversification	diversification	NOUN
ajbmeb-1381	23	14	are	be	AUX
ajbmeb-1381	23	15	universal	universal	ADJ
ajbmeb-1381	23	16	financial	financial	ADJ
ajbmeb-1381	23	17	concepts	concept	NOUN
ajbmeb-1381	23	18	that	that	PRON
ajbmeb-1381	23	19	apply	apply	VERB
ajbmeb-1381	23	20	to	to	ADP
ajbmeb-1381	23	21	all	all	DET
ajbmeb-1381	23	22	economic	economic	ADJ
ajbmeb-1381	23	23	contexts	context	NOUN
ajbmeb-1381	23	24	and	and	CCONJ
ajbmeb-1381	23	25	environments	environment	NOUN
ajbmeb-1381	23	26	.	.	PUNCT
ajbmeb-1381	24	1	people	people	NOUN
ajbmeb-1381	24	2	purchase	purchase	VERB
ajbmeb-1381	24	3	financial	financial	ADJ
ajbmeb-1381	24	4	goods	good	NOUN
ajbmeb-1381	24	5	and	and	CCONJ
ajbmeb-1381	24	6	insurance	insurance	NOUN
ajbmeb-1381	24	7	policies	policy	NOUN
ajbmeb-1381	24	8	without	without	ADP
ajbmeb-1381	24	9	sufficient	sufficient	ADJ
ajbmeb-1381	24	10	forethought	forethought	NOUN
ajbmeb-1381	24	11	due	due	ADP
ajbmeb-1381	24	12	to	to	ADP
ajbmeb-1381	24	13	a	a	DET
ajbmeb-1381	24	14	lack	lack	NOUN
ajbmeb-1381	24	15	of	of	ADP
ajbmeb-1381	24	16	financial	financial	ADJ
ajbmeb-1381	24	17	awareness	awareness	NOUN
ajbmeb-1381	24	18	,	,	PUNCT
ajbmeb-1381	24	19	and	and	CCONJ
ajbmeb-1381	24	20	then	then	ADV
ajbmeb-1381	24	21	abandon	abandon	VERB
ajbmeb-1381	24	22	them	they	PRON
ajbmeb-1381	24	23	halfway	halfway	ADV
ajbmeb-1381	24	24	through	through	ADP
ajbmeb-1381	24	25	when	when	SCONJ
ajbmeb-1381	24	26	they	they	PRON
ajbmeb-1381	24	27	run	run	VERB
ajbmeb-1381	24	28	out	out	ADP
ajbmeb-1381	24	29	of	of	ADP
ajbmeb-1381	24	30	money	money	NOUN
ajbmeb-1381	24	31	to	to	PART
ajbmeb-1381	24	32	pay	pay	VERB
ajbmeb-1381	24	33	the	the	DET
ajbmeb-1381	24	34	payment	payment	NOUN
ajbmeb-1381	24	35	.	.	PUNCT
ajbmeb-1381	25	1	financial	financial	ADJ
ajbmeb-1381	25	2	service	service	NOUN
ajbmeb-1381	25	3	providers	provider	NOUN
ajbmeb-1381	25	4	that	that	PRON
ajbmeb-1381	25	5	aggressively	aggressively	ADV
ajbmeb-1381	25	6	promote	promote	VERB
ajbmeb-1381	25	7	financial	financial	ADJ
ajbmeb-1381	25	8	products	product	NOUN
ajbmeb-1381	25	9	without	without	ADP
ajbmeb-1381	25	10	properly	properly	ADV
ajbmeb-1381	25	11	assessing	assess	VERB
ajbmeb-1381	25	12	the	the	DET
ajbmeb-1381	25	13	financial	financial	ADJ
ajbmeb-1381	25	14	characteristics	characteristic	NOUN
ajbmeb-1381	25	15	of	of	ADP
ajbmeb-1381	25	16	their	their	PRON
ajbmeb-1381	25	17	customers	customer	NOUN
ajbmeb-1381	25	18	risk	risk	VERB
ajbmeb-1381	25	19	further	far	ADV
ajbmeb-1381	25	20	harming	harm	VERB
ajbmeb-1381	25	21	those	those	DET
ajbmeb-1381	25	22	economically	economically	ADV
ajbmeb-1381	25	23	vulnerable	vulnerable	ADJ
ajbmeb-1381	25	24	segments	segment	NOUN
ajbmeb-1381	25	25	.	.	PUNCT
ajbmeb-1381	26	1	in	in	ADP
ajbmeb-1381	26	2	order	order	NOUN
ajbmeb-1381	26	3	to	to	PART
ajbmeb-1381	26	4	change	change	VERB
ajbmeb-1381	26	5	one	one	NUM
ajbmeb-1381	26	6	's	's	PART
ajbmeb-1381	26	7	financial	financial	ADJ
ajbmeb-1381	26	8	behaviour	behaviour	NOUN
ajbmeb-1381	26	9	,	,	PUNCT
ajbmeb-1381	26	10	one	one	PRON
ajbmeb-1381	26	11	must	must	AUX
ajbmeb-1381	26	12	do	do	VERB
ajbmeb-1381	26	13	it	it	PRON
ajbmeb-1381	26	14	early	early	ADV
ajbmeb-1381	26	15	in	in	ADP
ajbmeb-1381	26	16	life	life	NOUN
ajbmeb-1381	26	17	.	.	PUNCT
ajbmeb-1381	27	1	literature	literature	PROPN
ajbmeb-1381	27	2	review	review	PROPN
ajbmeb-1381	27	3	:	:	PUNCT
ajbmeb-1381	27	4	financial	financial	ADJ
ajbmeb-1381	27	5	-	-	PUNCT
ajbmeb-1381	27	6	knowledge	knowledge	NOUN
ajbmeb-1381	27	7	and	and	CCONJ
ajbmeb-1381	27	8	its	its	PRON
ajbmeb-1381	27	9	reflection	reflection	NOUN
ajbmeb-1381	27	10	on	on	ADP
ajbmeb-1381	27	11	financial	financial	ADJ
ajbmeb-1381	27	12	behavior	behavior	NOUN
ajbmeb-1381	27	13	have	have	AUX
ajbmeb-1381	27	14	been	be	AUX
ajbmeb-1381	27	15	a	a	DET
ajbmeb-1381	27	16	topic	topic	NOUN
ajbmeb-1381	27	17	of	of	ADP
ajbmeb-1381	27	18	interest	interest	NOUN
ajbmeb-1381	27	19	for	for	ADP
ajbmeb-1381	27	20	researchers	researcher	NOUN
ajbmeb-1381	27	21	for	for	ADP
ajbmeb-1381	27	22	many	many	ADJ
ajbmeb-1381	27	23	years	year	NOUN
ajbmeb-1381	27	24	.	.	PUNCT
ajbmeb-1381	28	1	in	in	ADP
ajbmeb-1381	28	2	particular	particular	ADJ
ajbmeb-1381	28	3	,	,	PUNCT
ajbmeb-1381	28	4	a	a	DET
ajbmeb-1381	28	5	sample	sample	NOUN
ajbmeb-1381	28	6	of	of	ADP
ajbmeb-1381	28	7	customers	customer	NOUN
ajbmeb-1381	28	8	with	with	ADP
ajbmeb-1381	28	9	the	the	DET
ajbmeb-1381	28	10	tbi	tbi	PROPN
ajbmeb-1381	28	11	,	,	PUNCT
ajbmeb-1381	28	12	rafidain	rafidain	PROPN
ajbmeb-1381	28	13	&	&	CCONJ
ajbmeb-1381	28	14	rasheed	rasheed	NOUN
ajbmeb-1381	28	15	banks	bank	NOUN
ajbmeb-1381	28	16	are	be	AUX
ajbmeb-1381	28	17	used	use	VERB
ajbmeb-1381	28	18	in	in	ADP
ajbmeb-1381	28	19	this	this	DET
ajbmeb-1381	28	20	literature	literature	NOUN
ajbmeb-1381	28	21	review	review	NOUN
ajbmeb-1381	28	22	to	to	PART
ajbmeb-1381	28	23	analyse	analyse	VERB
ajbmeb-1381	28	24	the	the	DET
ajbmeb-1381	28	25	current	current	ADJ
ajbmeb-1381	28	26	research	research	NOUN
ajbmeb-1381	28	27	on	on	ADP
ajbmeb-1381	28	28	financial	financial	ADJ
ajbmeb-1381	28	29	knowledge	knowledge	NOUN
ajbmeb-1381	28	30	and	and	CCONJ
ajbmeb-1381	28	31	its	its	PRON
ajbmeb-1381	28	32	reflection	reflection	NOUN
ajbmeb-1381	28	33	on	on	ADP
ajbmeb-1381	28	34	financial	financial	ADJ
ajbmeb-1381	28	35	behaviour	behaviour	NOUN
ajbmeb-1381	28	36	.	.	PUNCT
ajbmeb-1381	29	1	in	in	ADP
ajbmeb-1381	29	2	-	-	PUNCT
ajbmeb-1381	29	3	depth	depth	NOUN
ajbmeb-1381	29	4	research	research	NOUN
ajbmeb-1381	29	5	has	have	AUX
ajbmeb-1381	29	6	been	be	AUX
ajbmeb-1381	29	7	done	do	VERB
ajbmeb-1381	29	8	in	in	ADP
ajbmeb-1381	29	9	the	the	DET
ajbmeb-1381	29	10	literature	literature	NOUN
ajbmeb-1381	29	11	on	on	ADP
ajbmeb-1381	29	12	the	the	DET
ajbmeb-1381	29	13	connection	connection	NOUN
ajbmeb-1381	29	14	between	between	ADP
ajbmeb-1381	29	15	financial	financial	ADJ
ajbmeb-1381	29	16	knowledge	knowledge	NOUN
ajbmeb-1381	29	17	and	and	CCONJ
ajbmeb-1381	29	18	financial	financial	ADJ
ajbmeb-1381	29	19	behaviour	behaviour	NOUN
ajbmeb-1381	29	20	.	.	PUNCT
ajbmeb-1381	30	1	higher	high	ADJ
ajbmeb-1381	30	2	financial	financial	ADJ
ajbmeb-1381	30	3	literacy	literacy	NOUN
ajbmeb-1381	30	4	is	be	AUX
ajbmeb-1381	30	5	associated	associate	VERB
ajbmeb-1381	30	6	with	with	ADP
ajbmeb-1381	30	7	more	more	ADV
ajbmeb-1381	30	8	responsible	responsible	ADJ
ajbmeb-1381	30	9	financial	financial	ADJ
ajbmeb-1381	30	10	behaviour	behaviour	NOUN
ajbmeb-1381	30	11	,	,	PUNCT
ajbmeb-1381	30	12	according	accord	VERB
ajbmeb-1381	30	13	to	to	ADP
ajbmeb-1381	30	14	several	several	ADJ
ajbmeb-1381	30	15	research	research	NOUN
ajbmeb-1381	30	16	.	.	PUNCT
ajbmeb-1381	31	1	for	for	ADP
ajbmeb-1381	31	2	instance	instance	NOUN
ajbmeb-1381	31	3	,	,	PUNCT
ajbmeb-1381	31	4	a	a	DET
ajbmeb-1381	31	5	research	research	NOUN
ajbmeb-1381	31	6	by	by	ADP
ajbmeb-1381	31	7	huston	huston	PROPN
ajbmeb-1381	31	8	(	(	PUNCT
ajbmeb-1381	31	9	2010	2010	NUM
ajbmeb-1381	31	10	)	)	PUNCT
ajbmeb-1381	31	11	found	find	VERB
ajbmeb-1381	31	12	that	that	SCONJ
ajbmeb-1381	31	13	those	those	PRON
ajbmeb-1381	31	14	who	who	PRON
ajbmeb-1381	31	15	had	have	VERB
ajbmeb-1381	31	16	financial	financial	ADJ
ajbmeb-1381	31	17	education	education	NOUN
ajbmeb-1381	31	18	demonstrated	demonstrate	VERB
ajbmeb-1381	31	19	better	well	ADJ
ajbmeb-1381	31	20	financial	financial	ADJ
ajbmeb-1381	31	21	behaviour	behaviour	NOUN
ajbmeb-1381	31	22	than	than	ADP
ajbmeb-1381	31	23	those	those	PRON
ajbmeb-1381	31	24	who	who	PRON
ajbmeb-1381	31	25	had	have	VERB
ajbmeb-1381	31	26	not	not	PART
ajbmeb-1381	31	27	.	.	PUNCT
ajbmeb-1381	32	1	similar	similar	ADJ
ajbmeb-1381	32	2	findings	finding	NOUN
ajbmeb-1381	32	3	were	be	AUX
ajbmeb-1381	32	4	discovered	discover	VERB
ajbmeb-1381	32	5	in	in	ADP
ajbmeb-1381	32	6	a	a	DET
ajbmeb-1381	32	7	research	research	NOUN
ajbmeb-1381	32	8	by	by	ADP
ajbmeb-1381	32	9	lusardi	lusardi	PROPN
ajbmeb-1381	32	10	and	and	CCONJ
ajbmeb-1381	32	11	mitchell	mitchell	PROPN
ajbmeb-1381	32	12	(	(	PUNCT
ajbmeb-1381	32	13	2014	2014	NUM
ajbmeb-1381	32	14	)	)	PUNCT
ajbmeb-1381	32	15	indicating	indicate	VERB
ajbmeb-1381	32	16	those	those	PRON
ajbmeb-1381	32	17	with	with	ADP
ajbmeb-1381	32	18	more	more	ADJ
ajbmeb-1381	32	19	financial	financial	ADJ
ajbmeb-1381	32	20	literacy	literacy	NOUN
ajbmeb-1381	32	21	were	be	AUX
ajbmeb-1381	32	22	more	more	ADV
ajbmeb-1381	32	23	likely	likely	ADJ
ajbmeb-1381	32	24	to	to	PART
ajbmeb-1381	32	25	save	save	VERB
ajbmeb-1381	32	26	for	for	ADP
ajbmeb-1381	32	27	retirement	retirement	NOUN
ajbmeb-1381	32	28	and	and	CCONJ
ajbmeb-1381	32	29	choose	choose	VERB
ajbmeb-1381	32	30	wiser	wise	ADJ
ajbmeb-1381	32	31	investments	investment	NOUN
ajbmeb-1381	32	32	.	.	PUNCT
ajbmeb-1381	33	1	there	there	PRON
ajbmeb-1381	33	2	have	have	AUX
ajbmeb-1381	33	3	n't	not	PART
ajbmeb-1381	33	4	been	be	AUX
ajbmeb-1381	33	5	many	many	ADJ
ajbmeb-1381	33	6	research	research	NOUN
ajbmeb-1381	33	7	on	on	ADP
ajbmeb-1381	33	8	the	the	DET
ajbmeb-1381	33	9	connection	connection	NOUN
ajbmeb-1381	33	10	between	between	ADP
ajbmeb-1381	33	11	financial	financial	ADJ
ajbmeb-1381	33	12	behaviour	behaviour	NOUN
ajbmeb-1381	33	13	and	and	CCONJ
ajbmeb-1381	33	14	knowledge	knowledge	NOUN
ajbmeb-1381	33	15	in	in	ADP
ajbmeb-1381	33	16	the	the	DET
ajbmeb-1381	33	17	setting	setting	NOUN
ajbmeb-1381	33	18	of	of	ADP
ajbmeb-1381	33	19	iraq	iraq	PROPN
ajbmeb-1381	33	20	.	.	PUNCT
ajbmeb-1381	34	1	al	al	PROPN
ajbmeb-1381	34	2	-	-	PUNCT
ajbmeb-1381	34	3	mudhafar	mudhafar	PROPN
ajbmeb-1381	34	4	and	and	CCONJ
ajbmeb-1381	34	5	al	al	PROPN
ajbmeb-1381	34	6	-	-	PUNCT
ajbmeb-1381	34	7	osaimi	osaimi	PROPN
ajbmeb-1381	34	8	's	's	PART
ajbmeb-1381	34	9	research	research	NOUN
ajbmeb-1381	34	10	from	from	ADP
ajbmeb-1381	34	11	2020	2020	NUM
ajbmeb-1381	34	12	indicated	indicate	VERB
ajbmeb-1381	34	13	that	that	SCONJ
ajbmeb-1381	34	14	financial	financial	ADJ
ajbmeb-1381	34	15	literacy	literacy	NOUN
ajbmeb-1381	34	16	has	have	VERB
ajbmeb-1381	34	17	a	a	DET
ajbmeb-1381	34	18	positive	positive	ADJ
ajbmeb-1381	34	19	effect	effect	NOUN
ajbmeb-1381	34	20	on	on	ADP
ajbmeb-1381	34	21	people	people	NOUN
ajbmeb-1381	34	22	's	's	PART
ajbmeb-1381	34	23	financial	financial	ADJ
ajbmeb-1381	34	24	behaviour	behaviour	NOUN
ajbmeb-1381	34	25	in	in	ADP
ajbmeb-1381	34	26	iraq	iraq	PROPN
ajbmeb-1381	34	27	.	.	PUNCT
ajbmeb-1381	35	1	the	the	DET
ajbmeb-1381	35	2	research	research	NOUN
ajbmeb-1381	35	3	also	also	ADV
ajbmeb-1381	35	4	discovered	discover	VERB
ajbmeb-1381	35	5	that	that	SCONJ
ajbmeb-1381	35	6	enhancing	enhance	VERB
ajbmeb-1381	35	7	financial	financial	ADJ
ajbmeb-1381	35	8	behaviour	behaviour	NOUN
ajbmeb-1381	35	9	was	be	AUX
ajbmeb-1381	35	10	significantly	significantly	ADV
ajbmeb-1381	35	11	aided	aid	VERB
ajbmeb-1381	35	12	by	by	ADP
ajbmeb-1381	35	13	financial	financial	ADJ
ajbmeb-1381	35	14	education	education	NOUN
ajbmeb-1381	35	15	.	.	PUNCT
ajbmeb-1381	36	1	american	american	ADJ
ajbmeb-1381	36	2	journal	journal	PROPN
ajbmeb-1381	36	3	of	of	ADP
ajbmeb-1381	36	4	business	business	NOUN
ajbmeb-1381	36	5	management	management	NOUN
ajbmeb-1381	36	6	,	,	PUNCT
ajbmeb-1381	36	7	economics	economic	NOUN
ajbmeb-1381	36	8	and	and	CCONJ
ajbmeb-1381	36	9	banking	banking	NOUN
ajbmeb-1381	36	10	volume	volume	NOUN
ajbmeb-1381	36	11	17	17	NUM
ajbmeb-1381	36	12	oct	oct	PROPN
ajbmeb-1381	36	13	.	.	PROPN
ajbmeb-1381	36	14	,	,	PUNCT
ajbmeb-1381	36	15	2023	2023	NUM
ajbmeb-1381	36	16	p	p	NOUN
ajbmeb-1381	36	17	a	a	DET
ajbmeb-1381	36	18	g	g	NOUN
ajbmeb-1381	36	19	e	e	NOUN
ajbmeb-1381	37	1	|	|	ADV
ajbmeb-1381	37	2	93	93	NUM
ajbmeb-1381	37	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1381	37	4	one	one	NUM
ajbmeb-1381	37	5	of	of	ADP
ajbmeb-1381	37	6	the	the	DET
ajbmeb-1381	37	7	biggest	big	ADJ
ajbmeb-1381	37	8	banks	bank	NOUN
ajbmeb-1381	37	9	in	in	ADP
ajbmeb-1381	37	10	iraq	iraq	PROPN
ajbmeb-1381	37	11	is	be	AUX
ajbmeb-1381	37	12	tbi	tbi	PROPN
ajbmeb-1381	37	13	,	,	PUNCT
ajbmeb-1381	37	14	rafidain	rafidain	NOUN
ajbmeb-1381	37	15	&	&	CCONJ
ajbmeb-1381	37	16	rasheed	rasheed	PROPN
ajbmeb-1381	37	17	,	,	PUNCT
ajbmeb-1381	37	18	which	which	PRON
ajbmeb-1381	37	19	offers	offer	VERB
ajbmeb-1381	37	20	a	a	DET
ajbmeb-1381	37	21	variety	variety	NOUN
ajbmeb-1381	37	22	of	of	ADP
ajbmeb-1381	37	23	financial	financial	ADJ
ajbmeb-1381	37	24	services	service	NOUN
ajbmeb-1381	37	25	and	and	CCONJ
ajbmeb-1381	37	26	goods	good	NOUN
ajbmeb-1381	37	27	to	to	ADP
ajbmeb-1381	37	28	its	its	PRON
ajbmeb-1381	37	29	clients	client	NOUN
ajbmeb-1381	37	30	.	.	PUNCT
ajbmeb-1381	38	1	the	the	DET
ajbmeb-1381	38	2	financial	financial	ADJ
ajbmeb-1381	38	3	behaviour	behaviour	NOUN
ajbmeb-1381	38	4	of	of	ADP
ajbmeb-1381	38	5	these	these	DET
ajbmeb-1381	38	6	banks	bank	NOUN
ajbmeb-1381	38	7	'	'	PART
ajbmeb-1381	38	8	clients	client	NOUN
ajbmeb-1381	38	9	was	be	AUX
ajbmeb-1381	38	10	examined	examine	VERB
ajbmeb-1381	38	11	in	in	ADP
ajbmeb-1381	38	12	a	a	DET
ajbmeb-1381	38	13	research	research	NOUN
ajbmeb-1381	38	14	by	by	ADP
ajbmeb-1381	38	15	abdullatif	abdullatif	PROPN
ajbmeb-1381	38	16	et	et	PROPN
ajbmeb-1381	38	17	al	al	PROPN
ajbmeb-1381	38	18	.	.	PROPN
ajbmeb-1381	39	1	(	(	PUNCT
ajbmeb-1381	39	2	2021	2021	NUM
ajbmeb-1381	39	3	)	)	PUNCT
ajbmeb-1381	39	4	,	,	PUNCT
ajbmeb-1381	39	5	and	and	CCONJ
ajbmeb-1381	39	6	it	it	PRON
ajbmeb-1381	39	7	was	be	AUX
ajbmeb-1381	39	8	discovered	discover	VERB
ajbmeb-1381	39	9	that	that	SCONJ
ajbmeb-1381	39	10	there	there	PRON
ajbmeb-1381	39	11	was	be	VERB
ajbmeb-1381	39	12	a	a	DET
ajbmeb-1381	39	13	substantial	substantial	ADJ
ajbmeb-1381	39	14	correlation	correlation	NOUN
ajbmeb-1381	39	15	between	between	ADP
ajbmeb-1381	39	16	financial	financial	ADJ
ajbmeb-1381	39	17	awareness	awareness	NOUN
ajbmeb-1381	39	18	and	and	CCONJ
ajbmeb-1381	39	19	behaviour	behaviour	NOUN
ajbmeb-1381	39	20	.	.	PUNCT
ajbmeb-1381	40	1	according	accord	VERB
ajbmeb-1381	40	2	to	to	ADP
ajbmeb-1381	40	3	the	the	DET
ajbmeb-1381	40	4	survey	survey	NOUN
ajbmeb-1381	40	5	,	,	PUNCT
ajbmeb-1381	40	6	consumers	consumer	NOUN
ajbmeb-1381	40	7	with	with	ADP
ajbmeb-1381	40	8	more	more	ADJ
ajbmeb-1381	40	9	financial	financial	ADJ
ajbmeb-1381	40	10	literacy	literacy	NOUN
ajbmeb-1381	40	11	were	be	AUX
ajbmeb-1381	40	12	more	more	ADV
ajbmeb-1381	40	13	likely	likely	ADJ
ajbmeb-1381	40	14	to	to	PART
ajbmeb-1381	40	15	participate	participate	VERB
ajbmeb-1381	40	16	in	in	ADP
ajbmeb-1381	40	17	responsible	responsible	ADJ
ajbmeb-1381	40	18	financial	financial	ADJ
ajbmeb-1381	40	19	practises	practise	NOUN
ajbmeb-1381	40	20	including	include	VERB
ajbmeb-1381	40	21	saving	save	VERB
ajbmeb-1381	40	22	and	and	CCONJ
ajbmeb-1381	40	23	investing	investing	NOUN
ajbmeb-1381	40	24	.	.	PUNCT
ajbmeb-1381	41	1	al	al	PROPN
ajbmeb-1381	41	2	-	-	PUNCT
ajbmeb-1381	41	3	najjar	najjar	PROPN
ajbmeb-1381	41	4	and	and	CCONJ
ajbmeb-1381	41	5	al	al	PROPN
ajbmeb-1381	41	6	-	-	PUNCT
ajbmeb-1381	41	7	malkawi	malkawi	PROPN
ajbmeb-1381	41	8	(	(	PUNCT
ajbmeb-1381	41	9	2019	2019	NUM
ajbmeb-1381	41	10	)	)	PUNCT
ajbmeb-1381	41	11	explicitly	explicitly	ADV
ajbmeb-1381	41	12	examined	examine	VERB
ajbmeb-1381	41	13	the	the	DET
ajbmeb-1381	41	14	influence	influence	NOUN
ajbmeb-1381	41	15	of	of	ADP
ajbmeb-1381	41	16	financial	financial	ADJ
ajbmeb-1381	41	17	literacy	literacy	NOUN
ajbmeb-1381	41	18	on	on	ADP
ajbmeb-1381	41	19	the	the	DET
ajbmeb-1381	41	20	financial	financial	ADJ
ajbmeb-1381	41	21	behaviour	behaviour	NOUN
ajbmeb-1381	41	22	of	of	ADP
ajbmeb-1381	41	23	university	university	NOUN
ajbmeb-1381	41	24	students	student	NOUN
ajbmeb-1381	41	25	in	in	ADP
ajbmeb-1381	41	26	iraq	iraq	PROPN
ajbmeb-1381	41	27	in	in	ADP
ajbmeb-1381	41	28	a	a	DET
ajbmeb-1381	41	29	different	different	ADJ
ajbmeb-1381	41	30	research	research	NOUN
ajbmeb-1381	41	31	.	.	PUNCT
ajbmeb-1381	42	1	according	accord	VERB
ajbmeb-1381	42	2	to	to	ADP
ajbmeb-1381	42	3	the	the	DET
ajbmeb-1381	42	4	research	research	NOUN
ajbmeb-1381	42	5	,	,	PUNCT
ajbmeb-1381	42	6	pupils	pupil	NOUN
ajbmeb-1381	42	7	who	who	PRON
ajbmeb-1381	42	8	had	have	VERB
ajbmeb-1381	42	9	greater	great	ADJ
ajbmeb-1381	42	10	levels	level	NOUN
ajbmeb-1381	42	11	of	of	ADP
ajbmeb-1381	42	12	financial	financial	ADJ
ajbmeb-1381	42	13	literacy	literacy	NOUN
ajbmeb-1381	42	14	were	be	AUX
ajbmeb-1381	42	15	more	more	ADV
ajbmeb-1381	42	16	likely	likely	ADJ
ajbmeb-1381	42	17	to	to	PART
ajbmeb-1381	42	18	practise	practise	VERB
ajbmeb-1381	42	19	responsible	responsible	ADJ
ajbmeb-1381	42	20	financial	financial	ADJ
ajbmeb-1381	42	21	behaviour	behaviour	NOUN
ajbmeb-1381	42	22	.	.	PUNCT
ajbmeb-1381	43	1	financial	financial	ADJ
ajbmeb-1381	43	2	literacy	literacy	NOUN
ajbmeb-1381	43	3	was	be	AUX
ajbmeb-1381	43	4	also	also	ADV
ajbmeb-1381	43	5	shown	show	VERB
ajbmeb-1381	43	6	to	to	PART
ajbmeb-1381	43	7	have	have	VERB
ajbmeb-1381	43	8	a	a	DET
ajbmeb-1381	43	9	favourable	favourable	ADJ
ajbmeb-1381	43	10	influence	influence	NOUN
ajbmeb-1381	43	11	on	on	ADP
ajbmeb-1381	43	12	financial	financial	ADJ
ajbmeb-1381	43	13	behaviour	behaviour	NOUN
ajbmeb-1381	43	14	.	.	PUNCT
ajbmeb-1381	44	1	in	in	ADP
ajbmeb-1381	44	2	conclusion	conclusion	NOUN
ajbmeb-1381	44	3	,	,	PUNCT
ajbmeb-1381	44	4	the	the	DET
ajbmeb-1381	44	5	body	body	NOUN
ajbmeb-1381	44	6	of	of	ADP
ajbmeb-1381	44	7	research	research	NOUN
ajbmeb-1381	44	8	points	point	NOUN
ajbmeb-1381	44	9	to	to	ADP
ajbmeb-1381	44	10	the	the	DET
ajbmeb-1381	44	11	critical	critical	ADJ
ajbmeb-1381	44	12	role	role	NOUN
ajbmeb-1381	44	13	that	that	PRON
ajbmeb-1381	44	14	financial	financial	ADJ
ajbmeb-1381	44	15	literacy	literacy	NOUN
ajbmeb-1381	44	16	plays	play	VERB
ajbmeb-1381	44	17	in	in	ADP
ajbmeb-1381	44	18	determining	determine	VERB
ajbmeb-1381	44	19	financial	financial	ADJ
ajbmeb-1381	44	20	behaviour	behaviour	NOUN
ajbmeb-1381	44	21	.	.	PUNCT
ajbmeb-1381	45	1	higher	high	ADJ
ajbmeb-1381	45	2	financial	financial	ADJ
ajbmeb-1381	45	3	literacy	literacy	NOUN
ajbmeb-1381	45	4	levels	level	NOUN
ajbmeb-1381	45	5	are	be	AUX
ajbmeb-1381	45	6	associated	associate	VERB
ajbmeb-1381	45	7	with	with	ADP
ajbmeb-1381	45	8	more	more	ADV
ajbmeb-1381	45	9	responsible	responsible	ADJ
ajbmeb-1381	45	10	financial	financial	ADJ
ajbmeb-1381	45	11	behaviour	behaviour	NOUN
ajbmeb-1381	45	12	,	,	PUNCT
ajbmeb-1381	45	13	including	include	VERB
ajbmeb-1381	45	14	saving	save	VERB
ajbmeb-1381	45	15	and	and	CCONJ
ajbmeb-1381	45	16	investing	investing	NOUN
ajbmeb-1381	45	17	.	.	PUNCT
ajbmeb-1381	46	1	only	only	ADV
ajbmeb-1381	46	2	a	a	DET
ajbmeb-1381	46	3	little	little	ADJ
ajbmeb-1381	46	4	amount	amount	NOUN
ajbmeb-1381	46	5	of	of	ADP
ajbmeb-1381	46	6	study	study	NOUN
ajbmeb-1381	46	7	has	have	AUX
ajbmeb-1381	46	8	been	be	AUX
ajbmeb-1381	46	9	done	do	VERB
ajbmeb-1381	46	10	on	on	ADP
ajbmeb-1381	46	11	the	the	DET
ajbmeb-1381	46	12	connection	connection	NOUN
ajbmeb-1381	46	13	between	between	ADP
ajbmeb-1381	46	14	financial	financial	ADJ
ajbmeb-1381	46	15	behaviour	behaviour	NOUN
ajbmeb-1381	46	16	and	and	CCONJ
ajbmeb-1381	46	17	knowledge	knowledge	NOUN
ajbmeb-1381	46	18	in	in	ADP
ajbmeb-1381	46	19	the	the	DET
ajbmeb-1381	46	20	context	context	NOUN
ajbmeb-1381	46	21	of	of	ADP
ajbmeb-1381	46	22	iraq	iraq	PROPN
ajbmeb-1381	46	23	.	.	PUNCT
ajbmeb-1381	47	1	however	however	ADV
ajbmeb-1381	47	2	,	,	PUNCT
ajbmeb-1381	47	3	the	the	DET
ajbmeb-1381	47	4	research	research	NOUN
ajbmeb-1381	47	5	to	to	ADP
ajbmeb-1381	47	6	far	far	ADJ
ajbmeb-1381	47	7	points	point	NOUN
ajbmeb-1381	47	8	to	to	ADP
ajbmeb-1381	47	9	the	the	DET
ajbmeb-1381	47	10	possibility	possibility	NOUN
ajbmeb-1381	47	11	that	that	SCONJ
ajbmeb-1381	47	12	financial	financial	ADJ
ajbmeb-1381	47	13	literacy	literacy	NOUN
ajbmeb-1381	47	14	and	and	CCONJ
ajbmeb-1381	47	15	education	education	NOUN
ajbmeb-1381	47	16	initiatives	initiative	NOUN
ajbmeb-1381	47	17	might	might	AUX
ajbmeb-1381	47	18	significantly	significantly	ADV
ajbmeb-1381	47	19	influence	influence	VERB
ajbmeb-1381	47	20	how	how	SCONJ
ajbmeb-1381	47	21	tbi	tbi	NOUN
ajbmeb-1381	47	22	,	,	PUNCT
ajbmeb-1381	47	23	rafidain	rafidain	VERB
ajbmeb-1381	47	24	,	,	PUNCT
ajbmeb-1381	47	25	and	and	CCONJ
ajbmeb-1381	47	26	rasheed	rasheed	NOUN
ajbmeb-1381	47	27	bank	bank	NOUN
ajbmeb-1381	47	28	clients	client	NOUN
ajbmeb-1381	47	29	behave	behave	VERB
ajbmeb-1381	47	30	financially	financially	ADV
ajbmeb-1381	47	31	.	.	PUNCT
ajbmeb-1381	48	1	research	research	NOUN
ajbmeb-1381	48	2	methodology	methodology	NOUN
ajbmeb-1381	48	3	:	:	PUNCT
ajbmeb-1381	48	4	research	research	NOUN
ajbmeb-1381	48	5	problem	problem	NOUN
ajbmeb-1381	48	6	:	:	PUNCT
ajbmeb-1381	48	7	financial	financial	ADJ
ajbmeb-1381	48	8	illiteracy	illiteracy	NOUN
ajbmeb-1381	48	9	continues	continue	VERB
ajbmeb-1381	48	10	to	to	PART
ajbmeb-1381	48	11	be	be	AUX
ajbmeb-1381	48	12	a	a	DET
ajbmeb-1381	48	13	significant	significant	ADJ
ajbmeb-1381	48	14	barrier	barrier	NOUN
ajbmeb-1381	48	15	to	to	ADP
ajbmeb-1381	48	16	both	both	DET
ajbmeb-1381	48	17	financial	financial	ADJ
ajbmeb-1381	48	18	decisions	decision	NOUN
ajbmeb-1381	48	19	and	and	CCONJ
ajbmeb-1381	48	20	people	people	NOUN
ajbmeb-1381	48	21	's	's	PART
ajbmeb-1381	48	22	full	full	ADJ
ajbmeb-1381	48	23	participation	participation	NOUN
ajbmeb-1381	48	24	in	in	ADP
ajbmeb-1381	48	25	the	the	DET
ajbmeb-1381	48	26	current	current	ADJ
ajbmeb-1381	48	27	financial	financial	ADJ
ajbmeb-1381	48	28	environment	environment	NOUN
ajbmeb-1381	48	29	because	because	SCONJ
ajbmeb-1381	48	30	there	there	PRON
ajbmeb-1381	48	31	is	be	VERB
ajbmeb-1381	48	32	a	a	DET
ajbmeb-1381	48	33	growing	grow	VERB
ajbmeb-1381	48	34	gap	gap	NOUN
ajbmeb-1381	48	35	between	between	ADP
ajbmeb-1381	48	36	the	the	DET
ajbmeb-1381	48	37	amount	amount	NOUN
ajbmeb-1381	48	38	of	of	ADP
ajbmeb-1381	48	39	financial	financial	ADJ
ajbmeb-1381	48	40	knowledge	knowledge	NOUN
ajbmeb-1381	48	41	that	that	PRON
ajbmeb-1381	48	42	people	people	NOUN
ajbmeb-1381	48	43	possess	possess	VERB
ajbmeb-1381	48	44	and	and	CCONJ
ajbmeb-1381	48	45	their	their	PRON
ajbmeb-1381	48	46	apparent	apparent	ADJ
ajbmeb-1381	48	47	capacity	capacity	NOUN
ajbmeb-1381	48	48	to	to	PART
ajbmeb-1381	48	49	manage	manage	VERB
ajbmeb-1381	48	50	financial	financial	ADJ
ajbmeb-1381	48	51	decisions	decision	NOUN
ajbmeb-1381	48	52	and	and	CCONJ
ajbmeb-1381	48	53	take	take	VERB
ajbmeb-1381	48	54	advantage	advantage	NOUN
ajbmeb-1381	48	55	of	of	ADP
ajbmeb-1381	48	56	financial	financial	ADJ
ajbmeb-1381	48	57	opportunities	opportunity	NOUN
ajbmeb-1381	48	58	.	.	PUNCT
ajbmeb-1381	49	1	research	research	NOUN
ajbmeb-1381	49	2	importance	importance	NOUN
ajbmeb-1381	49	3	:	:	PUNCT
ajbmeb-1381	49	4	a	a	DET
ajbmeb-1381	49	5	statement	statement	NOUN
ajbmeb-1381	49	6	of	of	ADP
ajbmeb-1381	49	7	the	the	DET
ajbmeb-1381	49	8	role	role	NOUN
ajbmeb-1381	49	9	of	of	ADP
ajbmeb-1381	49	10	financial	financial	ADJ
ajbmeb-1381	49	11	knowledge	knowledge	NOUN
ajbmeb-1381	49	12	for	for	ADP
ajbmeb-1381	49	13	individuals	individual	NOUN
ajbmeb-1381	49	14	and	and	CCONJ
ajbmeb-1381	49	15	its	its	PRON
ajbmeb-1381	49	16	role	role	NOUN
ajbmeb-1381	49	17	in	in	ADP
ajbmeb-1381	49	18	enhancing	enhance	VERB
ajbmeb-1381	49	19	their	their	PRON
ajbmeb-1381	49	20	financial	financial	ADJ
ajbmeb-1381	49	21	behavior	behavior	NOUN
ajbmeb-1381	49	22	by	by	ADP
ajbmeb-1381	49	23	preparing	prepare	VERB
ajbmeb-1381	49	24	and	and	CCONJ
ajbmeb-1381	49	25	training	train	VERB
ajbmeb-1381	49	26	individuals	individual	NOUN
ajbmeb-1381	49	27	to	to	PART
ajbmeb-1381	49	28	increase	increase	VERB
ajbmeb-1381	49	29	their	their	PRON
ajbmeb-1381	49	30	capabilities	capability	NOUN
ajbmeb-1381	49	31	and	and	CCONJ
ajbmeb-1381	49	32	knowledge	knowledge	NOUN
ajbmeb-1381	49	33	in	in	ADP
ajbmeb-1381	49	34	how	how	SCONJ
ajbmeb-1381	49	35	to	to	PART
ajbmeb-1381	49	36	manage	manage	VERB
ajbmeb-1381	49	37	their	their	PRON
ajbmeb-1381	49	38	money	money	NOUN
ajbmeb-1381	49	39	and	and	CCONJ
ajbmeb-1381	49	40	to	to	PART
ajbmeb-1381	49	41	focus	focus	VERB
ajbmeb-1381	49	42	and	and	CCONJ
ajbmeb-1381	49	43	control	control	VERB
ajbmeb-1381	49	44	their	their	PRON
ajbmeb-1381	49	45	behavior	behavior	NOUN
ajbmeb-1381	49	46	in	in	ADP
ajbmeb-1381	49	47	managing	manage	VERB
ajbmeb-1381	49	48	their	their	PRON
ajbmeb-1381	49	49	financial	financial	ADJ
ajbmeb-1381	49	50	affairs	affair	NOUN
ajbmeb-1381	49	51	.	.	PUNCT
ajbmeb-1381	50	1	research	research	NOUN
ajbmeb-1381	50	2	objectives	objective	NOUN
ajbmeb-1381	50	3	:	:	PUNCT
ajbmeb-1381	50	4	the	the	DET
ajbmeb-1381	50	5	study	study	NOUN
ajbmeb-1381	50	6	seeks	seek	VERB
ajbmeb-1381	50	7	to	to	PART
ajbmeb-1381	50	8	understand	understand	VERB
ajbmeb-1381	50	9	the	the	DET
ajbmeb-1381	50	10	financial	financial	ADJ
ajbmeb-1381	50	11	investors	investor	NOUN
ajbmeb-1381	50	12	,	,	PUNCT
ajbmeb-1381	50	13	their	their	PRON
ajbmeb-1381	50	14	levels	level	NOUN
ajbmeb-1381	50	15	of	of	ADP
ajbmeb-1381	50	16	financial	financial	ADJ
ajbmeb-1381	50	17	literacy	literacy	NOUN
ajbmeb-1381	50	18	,	,	PUNCT
ajbmeb-1381	50	19	the	the	DET
ajbmeb-1381	50	20	strength	strength	NOUN
ajbmeb-1381	50	21	of	of	ADP
ajbmeb-1381	50	22	associations	association	NOUN
ajbmeb-1381	50	23	and	and	CCONJ
ajbmeb-1381	50	24	influences	influence	NOUN
ajbmeb-1381	50	25	on	on	ADP
ajbmeb-1381	50	26	the	the	DET
ajbmeb-1381	50	27	likelihood	likelihood	NOUN
ajbmeb-1381	50	28	of	of	ADP
ajbmeb-1381	50	29	accumulating	accumulate	VERB
ajbmeb-1381	50	30	wealth	wealth	NOUN
ajbmeb-1381	50	31	,	,	PUNCT
ajbmeb-1381	50	32	how	how	SCONJ
ajbmeb-1381	50	33	to	to	PART
ajbmeb-1381	50	34	plan	plan	VERB
ajbmeb-1381	50	35	their	their	PRON
ajbmeb-1381	50	36	daily	daily	ADJ
ajbmeb-1381	50	37	lives	life	NOUN
ajbmeb-1381	50	38	and	and	CCONJ
ajbmeb-1381	50	39	personal	personal	ADJ
ajbmeb-1381	50	40	activities	activity	NOUN
ajbmeb-1381	50	41	,	,	PUNCT
ajbmeb-1381	50	42	and	and	CCONJ
ajbmeb-1381	50	43	finally	finally	ADV
ajbmeb-1381	50	44	their	their	PRON
ajbmeb-1381	50	45	desire	desire	NOUN
ajbmeb-1381	50	46	to	to	PART
ajbmeb-1381	50	47	raise	raise	VERB
ajbmeb-1381	50	48	their	their	PRON
ajbmeb-1381	50	49	standard	standard	NOUN
ajbmeb-1381	50	50	of	of	ADP
ajbmeb-1381	50	51	living	live	VERB
ajbmeb-1381	50	52	by	by	ADP
ajbmeb-1381	50	53	applying	apply	VERB
ajbmeb-1381	50	54	their	their	PRON
ajbmeb-1381	50	55	financial	financial	ADJ
ajbmeb-1381	50	56	knowledge	knowledge	NOUN
ajbmeb-1381	50	57	to	to	ADP
ajbmeb-1381	50	58	improving	improve	VERB
ajbmeb-1381	50	59	their	their	PRON
ajbmeb-1381	50	60	financial	financial	ADJ
ajbmeb-1381	50	61	behaviour	behaviour	NOUN
ajbmeb-1381	50	62	to	to	PART
ajbmeb-1381	50	63	achieve	achieve	VERB
ajbmeb-1381	50	64	financial	financial	ADJ
ajbmeb-1381	50	65	wellbeing	wellbeing	NOUN
ajbmeb-1381	50	66	.	.	PUNCT
ajbmeb-1381	51	1	research	research	NOUN
ajbmeb-1381	51	2	hypothesis	hypothesis	NOUN
ajbmeb-1381	51	3	:	:	PUNCT
ajbmeb-1381	51	4	hypotheses	hypothesis	NOUN
ajbmeb-1381	51	5	were	be	AUX
ajbmeb-1381	51	6	chosen	choose	VERB
ajbmeb-1381	51	7	that	that	PRON
ajbmeb-1381	51	8	define	define	VERB
ajbmeb-1381	51	9	the	the	DET
ajbmeb-1381	51	10	relationship	relationship	NOUN
ajbmeb-1381	51	11	of	of	ADP
ajbmeb-1381	51	12	the	the	DET
ajbmeb-1381	51	13	two	two	NUM
ajbmeb-1381	51	14	variables	variable	NOUN
ajbmeb-1381	51	15	to	to	ADP
ajbmeb-1381	51	16	the	the	DET
ajbmeb-1381	51	17	research	research	NOUN
ajbmeb-1381	51	18	and	and	CCONJ
ajbmeb-1381	51	19	demonstrate	demonstrate	VERB
ajbmeb-1381	51	20	the	the	DET
ajbmeb-1381	51	21	strength	strength	NOUN
ajbmeb-1381	51	22	of	of	ADP
ajbmeb-1381	51	23	the	the	DET
ajbmeb-1381	51	24	relationship	relationship	NOUN
ajbmeb-1381	51	25	between	between	ADP
ajbmeb-1381	51	26	them	they	PRON
ajbmeb-1381	51	27	.	.	PUNCT
ajbmeb-1381	52	1	they	they	PRON
ajbmeb-1381	52	2	are	be	AUX
ajbmeb-1381	52	3	divided	divide	VERB
ajbmeb-1381	52	4	into	into	ADP
ajbmeb-1381	52	5	three	three	NUM
ajbmeb-1381	52	6	hypotheses	hypothesis	NOUN
ajbmeb-1381	52	7	:	:	PUNCT
ajbmeb-1381	52	8	h1	h1	NOUN
ajbmeb-1381	52	9	:	:	PUNCT
ajbmeb-1381	52	10	financial	financial	ADJ
ajbmeb-1381	52	11	knowledge	knowledge	NOUN
ajbmeb-1381	52	12	has	have	VERB
ajbmeb-1381	52	13	an	an	DET
ajbmeb-1381	52	14	impact	impact	NOUN
ajbmeb-1381	52	15	on	on	ADP
ajbmeb-1381	52	16	financial	financial	ADJ
ajbmeb-1381	52	17	behaviour	behaviour	NOUN
ajbmeb-1381	52	18	.	.	PUNCT
ajbmeb-1381	53	1	h2	h2	NOUN
ajbmeb-1381	53	2	:	:	PUNCT
ajbmeb-1381	53	3	there	there	PRON
ajbmeb-1381	53	4	is	be	VERB
ajbmeb-1381	53	5	a	a	DET
ajbmeb-1381	53	6	connection	connection	NOUN
ajbmeb-1381	53	7	between	between	ADP
ajbmeb-1381	53	8	the	the	DET
ajbmeb-1381	53	9	study	study	NOUN
ajbmeb-1381	53	10	sample	sample	NOUN
ajbmeb-1381	53	11	's	's	PART
ajbmeb-1381	53	12	financial	financial	ADJ
ajbmeb-1381	53	13	behaviour	behaviour	NOUN
ajbmeb-1381	53	14	and	and	CCONJ
ajbmeb-1381	53	15	financial	financial	ADJ
ajbmeb-1381	53	16	expertise	expertise	NOUN
ajbmeb-1381	53	17	.	.	PUNCT
ajbmeb-1381	54	1	h3	h3	NOUN
ajbmeb-1381	54	2	:	:	PUNCT
ajbmeb-1381	54	3	financial	financial	ADJ
ajbmeb-1381	54	4	knowledge	knowledge	NOUN
ajbmeb-1381	54	5	has	have	VERB
ajbmeb-1381	54	6	a	a	DET
ajbmeb-1381	54	7	part	part	NOUN
ajbmeb-1381	54	8	in	in	ADP
ajbmeb-1381	54	9	financial	financial	ADJ
ajbmeb-1381	54	10	behaviour	behaviour	NOUN
ajbmeb-1381	54	11	.	.	PUNCT
ajbmeb-1381	55	1	because	because	SCONJ
ajbmeb-1381	55	2	these	these	DET
ajbmeb-1381	55	3	people	people	NOUN
ajbmeb-1381	55	4	must	must	AUX
ajbmeb-1381	55	5	update	update	VERB
ajbmeb-1381	55	6	their	their	PRON
ajbmeb-1381	55	7	financial	financial	ADJ
ajbmeb-1381	55	8	knowledge	knowledge	NOUN
ajbmeb-1381	55	9	to	to	PART
ajbmeb-1381	55	10	keep	keep	VERB
ajbmeb-1381	55	11	up	up	ADP
ajbmeb-1381	55	12	with	with	ADP
ajbmeb-1381	55	13	an	an	DET
ajbmeb-1381	55	14	ever	ever	ADV
ajbmeb-1381	55	15	-	-	PUNCT
ajbmeb-1381	55	16	changing	change	VERB
ajbmeb-1381	55	17	world	world	NOUN
ajbmeb-1381	55	18	,	,	PUNCT
ajbmeb-1381	55	19	better	well	ADJ
ajbmeb-1381	55	20	financial	financial	ADJ
ajbmeb-1381	55	21	understanding	understanding	NOUN
ajbmeb-1381	55	22	will	will	AUX
ajbmeb-1381	55	23	boost	boost	VERB
ajbmeb-1381	55	24	good	good	ADJ
ajbmeb-1381	55	25	financial	financial	ADJ
ajbmeb-1381	55	26	behaviour	behaviour	NOUN
ajbmeb-1381	55	27	whenever	whenever	ADV
ajbmeb-1381	55	28	.	.	PUNCT
ajbmeb-1381	56	1	american	american	PROPN
ajbmeb-1381	56	2	journal	journal	PROPN
ajbmeb-1381	56	3	of	of	ADP
ajbmeb-1381	56	4	business	business	NOUN
ajbmeb-1381	56	5	management	management	NOUN
ajbmeb-1381	56	6	,	,	PUNCT
ajbmeb-1381	56	7	economics	economic	NOUN
ajbmeb-1381	56	8	and	and	CCONJ
ajbmeb-1381	56	9	banking	banking	NOUN
ajbmeb-1381	56	10	volume	volume	NOUN
ajbmeb-1381	56	11	17	17	NUM
ajbmeb-1381	56	12	oct	oct	PROPN
ajbmeb-1381	56	13	.	.	PROPN
ajbmeb-1381	56	14	,	,	PUNCT
ajbmeb-1381	56	15	2023	2023	NUM
ajbmeb-1381	56	16	p	p	NOUN
ajbmeb-1381	56	17	a	a	DET
ajbmeb-1381	56	18	g	g	NOUN
ajbmeb-1381	56	19	e	e	PROPN
ajbmeb-1381	57	1	|	|	ADV
ajbmeb-1381	57	2	94	94	NUM
ajbmeb-1381	57	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1381	57	4	the	the	DET
ajbmeb-1381	57	5	theoretical	theoretical	ADJ
ajbmeb-1381	57	6	aspect	aspect	NOUN
ajbmeb-1381	57	7	:	:	PUNCT
ajbmeb-1381	57	8	for	for	SCONJ
ajbmeb-1381	57	9	workers	worker	NOUN
ajbmeb-1381	57	10	to	to	PART
ajbmeb-1381	57	11	effectively	effectively	ADV
ajbmeb-1381	57	12	plan	plan	VERB
ajbmeb-1381	57	13	,	,	PUNCT
ajbmeb-1381	57	14	budget	budget	NOUN
ajbmeb-1381	57	15	,	,	PUNCT
ajbmeb-1381	57	16	check	check	NOUN
ajbmeb-1381	57	17	,	,	PUNCT
ajbmeb-1381	57	18	manage	manage	VERB
ajbmeb-1381	57	19	,	,	PUNCT
ajbmeb-1381	57	20	control	control	NOUN
ajbmeb-1381	57	21	,	,	PUNCT
ajbmeb-1381	57	22	study	study	NOUN
ajbmeb-1381	57	23	,	,	PUNCT
ajbmeb-1381	57	24	and	and	CCONJ
ajbmeb-1381	57	25	keep	keep	VERB
ajbmeb-1381	57	26	daily	daily	ADJ
ajbmeb-1381	57	27	financial	financial	ADJ
ajbmeb-1381	57	28	funds	fund	NOUN
ajbmeb-1381	57	29	,	,	PUNCT
ajbmeb-1381	57	30	good	good	ADJ
ajbmeb-1381	57	31	personal	personal	ADJ
ajbmeb-1381	57	32	financial	financial	ADJ
ajbmeb-1381	57	33	management	management	NOUN
ajbmeb-1381	57	34	is	be	AUX
ajbmeb-1381	57	35	insufficient	insufficient	ADJ
ajbmeb-1381	57	36	.	.	PUNCT
ajbmeb-1381	58	1	due	due	ADP
ajbmeb-1381	58	2	to	to	ADP
ajbmeb-1381	58	3	the	the	DET
ajbmeb-1381	58	4	current	current	ADJ
ajbmeb-1381	58	5	state	state	NOUN
ajbmeb-1381	58	6	of	of	ADP
ajbmeb-1381	58	7	society	society	NOUN
ajbmeb-1381	58	8	,	,	PUNCT
ajbmeb-1381	58	9	which	which	PRON
ajbmeb-1381	58	10	tends	tend	VERB
ajbmeb-1381	58	11	to	to	PART
ajbmeb-1381	58	12	buy	buy	VERB
ajbmeb-1381	58	13	things	thing	NOUN
ajbmeb-1381	58	14	based	base	VERB
ajbmeb-1381	58	15	on	on	ADP
ajbmeb-1381	58	16	desires	desire	NOUN
ajbmeb-1381	58	17	,	,	PUNCT
ajbmeb-1381	58	18	there	there	PRON
ajbmeb-1381	58	19	is	be	VERB
ajbmeb-1381	58	20	a	a	DET
ajbmeb-1381	58	21	need	need	NOUN
ajbmeb-1381	58	22	for	for	SCONJ
ajbmeb-1381	58	23	financial	financial	ADJ
ajbmeb-1381	58	24	education	education	NOUN
ajbmeb-1381	58	25	to	to	PART
ajbmeb-1381	58	26	introduce	introduce	VERB
ajbmeb-1381	58	27	financial	financial	ADJ
ajbmeb-1381	58	28	knowledge	knowledge	NOUN
ajbmeb-1381	58	29	so	so	SCONJ
ajbmeb-1381	58	30	that	that	SCONJ
ajbmeb-1381	58	31	bankers	banker	NOUN
ajbmeb-1381	58	32	can	can	AUX
ajbmeb-1381	58	33	recognise	recognise	VERB
ajbmeb-1381	58	34	and	and	CCONJ
ajbmeb-1381	58	35	learn	learn	VERB
ajbmeb-1381	58	36	how	how	SCONJ
ajbmeb-1381	58	37	to	to	PART
ajbmeb-1381	58	38	make	make	VERB
ajbmeb-1381	58	39	responsible	responsible	ADJ
ajbmeb-1381	58	40	decisions	decision	NOUN
ajbmeb-1381	58	41	(	(	PUNCT
ajbmeb-1381	58	42	amanah	amanah	PROPN
ajbmeb-1381	58	43	,	,	PUNCT
ajbmeb-1381	58	44	et	et	PROPN
ajbmeb-1381	58	45	al	al	PROPN
ajbmeb-1381	58	46	.	.	PROPN
ajbmeb-1381	58	47	,	,	PUNCT
ajbmeb-1381	58	48	2016	2016	NUM
ajbmeb-1381	58	49	)	)	PUNCT
ajbmeb-1381	58	50	.	.	PUNCT
ajbmeb-1381	59	1	a	a	DET
ajbmeb-1381	59	2	budget	budget	NOUN
ajbmeb-1381	59	3	,	,	PUNCT
ajbmeb-1381	59	4	investment	investment	NOUN
ajbmeb-1381	59	5	choices	choice	NOUN
ajbmeb-1381	59	6	,	,	PUNCT
ajbmeb-1381	59	7	insurance	insurance	NOUN
ajbmeb-1381	59	8	plan	plan	NOUN
ajbmeb-1381	59	9	choices	choice	NOUN
ajbmeb-1381	59	10	,	,	PUNCT
ajbmeb-1381	59	11	and	and	CCONJ
ajbmeb-1381	59	12	credit	credit	NOUN
ajbmeb-1381	59	13	use	use	NOUN
ajbmeb-1381	59	14	are	be	AUX
ajbmeb-1381	59	15	just	just	ADV
ajbmeb-1381	59	16	a	a	DET
ajbmeb-1381	59	17	few	few	ADJ
ajbmeb-1381	59	18	of	of	ADP
ajbmeb-1381	59	19	the	the	DET
ajbmeb-1381	59	20	financial	financial	ADJ
ajbmeb-1381	59	21	preparation	preparation	NOUN
ajbmeb-1381	59	22	tools	tool	NOUN
ajbmeb-1381	59	23	that	that	PRON
ajbmeb-1381	59	24	must	must	AUX
ajbmeb-1381	59	25	be	be	AUX
ajbmeb-1381	59	26	learned	learn	VERB
ajbmeb-1381	59	27	in	in	ADP
ajbmeb-1381	59	28	order	order	NOUN
ajbmeb-1381	59	29	to	to	PART
ajbmeb-1381	59	30	acquire	acquire	VERB
ajbmeb-1381	59	31	financial	financial	ADJ
ajbmeb-1381	59	32	knowledge	knowledge	NOUN
ajbmeb-1381	59	33	.	.	PUNCT
ajbmeb-1381	60	1	financial	financial	ADJ
ajbmeb-1381	60	2	competence	competence	NOUN
ajbmeb-1381	60	3	examples	example	NOUN
ajbmeb-1381	60	4	.	.	PUNCT
ajbmeb-1381	61	1	a	a	DET
ajbmeb-1381	61	2	method	method	NOUN
ajbmeb-1381	61	3	for	for	ADP
ajbmeb-1381	61	4	making	make	VERB
ajbmeb-1381	61	5	judgements	judgement	NOUN
ajbmeb-1381	61	6	in	in	ADP
ajbmeb-1381	61	7	personal	personal	ADJ
ajbmeb-1381	61	8	financial	financial	ADJ
ajbmeb-1381	61	9	management	management	NOUN
ajbmeb-1381	61	10	is	be	AUX
ajbmeb-1381	61	11	to	to	PART
ajbmeb-1381	61	12	have	have	VERB
ajbmeb-1381	61	13	financial	financial	ADJ
ajbmeb-1381	61	14	skills	skill	NOUN
ajbmeb-1381	61	15	.	.	PUNCT
ajbmeb-1381	62	1	the	the	DET
ajbmeb-1381	62	2	models	model	NOUN
ajbmeb-1381	62	3	and	and	CCONJ
ajbmeb-1381	62	4	graphs	graph	NOUN
ajbmeb-1381	62	5	used	use	VERB
ajbmeb-1381	62	6	in	in	ADP
ajbmeb-1381	62	7	personal	personal	ADJ
ajbmeb-1381	62	8	financial	financial	ADJ
ajbmeb-1381	62	9	management	management	NOUN
ajbmeb-1381	62	10	choices	choice	NOUN
ajbmeb-1381	62	11	(	(	PUNCT
ajbmeb-1381	62	12	such	such	ADJ
ajbmeb-1381	62	13	as	as	ADP
ajbmeb-1381	62	14	using	use	VERB
ajbmeb-1381	62	15	checks	check	NOUN
ajbmeb-1381	62	16	,	,	PUNCT
ajbmeb-1381	62	17	credit	credit	NOUN
ajbmeb-1381	62	18	cards	card	NOUN
ajbmeb-1381	62	19	,	,	PUNCT
ajbmeb-1381	62	20	and	and	CCONJ
ajbmeb-1381	62	21	debit	debit	NOUN
ajbmeb-1381	62	22	cards	card	NOUN
ajbmeb-1381	62	23	)	)	PUNCT
ajbmeb-1381	62	24	are	be	AUX
ajbmeb-1381	62	25	known	know	VERB
ajbmeb-1381	62	26	as	as	ADP
ajbmeb-1381	62	27	financial	financial	ADJ
ajbmeb-1381	62	28	instruments	instrument	NOUN
ajbmeb-1381	62	29	(	(	PUNCT
ajbmeb-1381	62	30	yogasnumurti	yogasnumurti	PROPN
ajbmeb-1381	62	31	et	et	PROPN
ajbmeb-1381	62	32	al	al	PROPN
ajbmeb-1381	62	33	.	.	PROPN
ajbmeb-1381	62	34	,2021	,2021	PROPN
ajbmeb-1381	62	35	)	)	PUNCT
ajbmeb-1381	62	36	.	.	PUNCT
ajbmeb-1381	63	1	the	the	DET
ajbmeb-1381	63	2	grasp	grasp	NOUN
ajbmeb-1381	63	3	of	of	ADP
ajbmeb-1381	63	4	fundamental	fundamental	ADJ
ajbmeb-1381	63	5	financial	financial	ADJ
ajbmeb-1381	63	6	words	word	NOUN
ajbmeb-1381	63	7	and	and	CCONJ
ajbmeb-1381	63	8	ideas	idea	NOUN
ajbmeb-1381	63	9	necessary	necessary	ADJ
ajbmeb-1381	63	10	to	to	PART
ajbmeb-1381	63	11	carry	carry	VERB
ajbmeb-1381	63	12	out	out	ADP
ajbmeb-1381	63	13	everyday	everyday	ADJ
ajbmeb-1381	63	14	tasks	task	NOUN
ajbmeb-1381	63	15	is	be	AUX
ajbmeb-1381	63	16	referred	refer	VERB
ajbmeb-1381	63	17	to	to	ADP
ajbmeb-1381	63	18	as	as	ADP
ajbmeb-1381	63	19	financial	financial	ADJ
ajbmeb-1381	63	20	knowledge	knowledge	NOUN
ajbmeb-1381	63	21	.	.	PUNCT
ajbmeb-1381	64	1	(	(	PUNCT
ajbmeb-1381	64	2	santos	santos	PROPN
ajbmeb-1381	64	3	&	&	CCONJ
ajbmeb-1381	64	4	tavares	tavare	NOUN
ajbmeb-1381	64	5	,	,	PUNCT
ajbmeb-1381	64	6	2020	2020	NUM
ajbmeb-1381	64	7	)	)	PUNCT
ajbmeb-1381	64	8	state	state	NOUN
ajbmeb-1381	64	9	.	.	PUNCT
ajbmeb-1381	65	1	financial	financial	ADJ
ajbmeb-1381	65	2	knowledge	knowledge	NOUN
ajbmeb-1381	65	3	,	,	PUNCT
ajbmeb-1381	65	4	according	accord	VERB
ajbmeb-1381	65	5	to	to	ADP
ajbmeb-1381	65	6	(	(	PUNCT
ajbmeb-1381	65	7	normawati	normawati	PROPN
ajbmeb-1381	65	8	,	,	PUNCT
ajbmeb-1381	65	9	et	et	PROPN
ajbmeb-1381	65	10	al	al	PROPN
ajbmeb-1381	65	11	.	.	PROPN
ajbmeb-1381	65	12	,2021	,2021	PROPN
ajbmeb-1381	65	13	)	)	PUNCT
ajbmeb-1381	65	14	,	,	PUNCT
ajbmeb-1381	65	15	is	be	AUX
ajbmeb-1381	65	16	"	"	PUNCT
ajbmeb-1381	65	17	a	a	DET
ajbmeb-1381	65	18	person	person	NOUN
ajbmeb-1381	65	19	's	's	PART
ajbmeb-1381	65	20	knowledge	knowledge	NOUN
ajbmeb-1381	65	21	of	of	ADP
ajbmeb-1381	65	22	his	his	PRON
ajbmeb-1381	65	23	financial	financial	ADJ
ajbmeb-1381	65	24	situation	situation	NOUN
ajbmeb-1381	65	25	,	,	PUNCT
ajbmeb-1381	65	26	rather	rather	ADV
ajbmeb-1381	65	27	than	than	ADP
ajbmeb-1381	65	28	basic	basic	ADJ
ajbmeb-1381	65	29	financial	financial	ADJ
ajbmeb-1381	65	30	concepts	concept	NOUN
ajbmeb-1381	65	31	,	,	PUNCT
ajbmeb-1381	65	32	and	and	CCONJ
ajbmeb-1381	65	33	treats	treat	VERB
ajbmeb-1381	65	34	them	they	PRON
ajbmeb-1381	65	35	as	as	ADP
ajbmeb-1381	65	36	a	a	DET
ajbmeb-1381	65	37	prerequisite	prerequisite	NOUN
ajbmeb-1381	65	38	for	for	ADP
ajbmeb-1381	65	39	effective	effective	ADJ
ajbmeb-1381	65	40	financial	financial	ADJ
ajbmeb-1381	65	41	decision	decision	NOUN
ajbmeb-1381	65	42	-	-	PUNCT
ajbmeb-1381	65	43	making	making	NOUN
ajbmeb-1381	65	44	.	.	PUNCT
ajbmeb-1381	65	45	"	"	PUNCT
ajbmeb-1381	66	1	according	accord	VERB
ajbmeb-1381	66	2	to	to	ADP
ajbmeb-1381	66	3	various	various	ADJ
ajbmeb-1381	66	4	definitions	definition	NOUN
ajbmeb-1381	66	5	,	,	PUNCT
ajbmeb-1381	66	6	financial	financial	ADJ
ajbmeb-1381	66	7	knowledge	knowledge	NOUN
ajbmeb-1381	66	8	is	be	AUX
ajbmeb-1381	66	9	the	the	DET
ajbmeb-1381	66	10	degree	degree	NOUN
ajbmeb-1381	66	11	of	of	ADP
ajbmeb-1381	66	12	familiarity	familiarity	NOUN
ajbmeb-1381	66	13	or	or	CCONJ
ajbmeb-1381	66	14	understanding	understanding	NOUN
ajbmeb-1381	66	15	people	people	NOUN
ajbmeb-1381	66	16	have	have	VERB
ajbmeb-1381	66	17	with	with	ADP
ajbmeb-1381	66	18	their	their	PRON
ajbmeb-1381	66	19	financial	financial	ADJ
ajbmeb-1381	66	20	concepts	concept	NOUN
ajbmeb-1381	66	21	or	or	CCONJ
ajbmeb-1381	66	22	principles	principle	NOUN
ajbmeb-1381	66	23	,	,	PUNCT
ajbmeb-1381	66	24	which	which	PRON
ajbmeb-1381	66	25	people	people	NOUN
ajbmeb-1381	66	26	need	need	VERB
ajbmeb-1381	66	27	as	as	ADP
ajbmeb-1381	66	28	a	a	DET
ajbmeb-1381	66	29	foundation	foundation	NOUN
ajbmeb-1381	66	30	for	for	ADP
ajbmeb-1381	66	31	decisions	decision	NOUN
ajbmeb-1381	66	32	about	about	ADP
ajbmeb-1381	66	33	how	how	SCONJ
ajbmeb-1381	66	34	to	to	PART
ajbmeb-1381	66	35	manage	manage	VERB
ajbmeb-1381	66	36	their	their	PRON
ajbmeb-1381	66	37	money	money	NOUN
ajbmeb-1381	66	38	effectively	effectively	ADV
ajbmeb-1381	66	39	.	.	PUNCT
ajbmeb-1381	67	1	it	it	PRON
ajbmeb-1381	67	2	also	also	ADV
ajbmeb-1381	67	3	plays	play	VERB
ajbmeb-1381	67	4	a	a	DET
ajbmeb-1381	67	5	significant	significant	ADJ
ajbmeb-1381	67	6	role	role	NOUN
ajbmeb-1381	67	7	in	in	ADP
ajbmeb-1381	67	8	financial	financial	ADJ
ajbmeb-1381	67	9	literacy	literacy	NOUN
ajbmeb-1381	67	10	by	by	ADP
ajbmeb-1381	67	11	helping	help	VERB
ajbmeb-1381	67	12	people	people	NOUN
ajbmeb-1381	67	13	understand	understand	VERB
ajbmeb-1381	67	14	financial	financial	ADJ
ajbmeb-1381	67	15	concepts	concept	NOUN
ajbmeb-1381	67	16	.	.	PUNCT
ajbmeb-1381	68	1	helping	help	VERB
ajbmeb-1381	68	2	people	people	NOUN
ajbmeb-1381	68	3	manage	manage	VERB
ajbmeb-1381	68	4	their	their	PRON
ajbmeb-1381	68	5	own	own	ADJ
ajbmeb-1381	68	6	finances	finance	NOUN
ajbmeb-1381	68	7	,	,	PUNCT
ajbmeb-1381	68	8	particularly	particularly	ADV
ajbmeb-1381	68	9	by	by	ADP
ajbmeb-1381	68	10	guiding	guide	VERB
ajbmeb-1381	68	11	them	they	PRON
ajbmeb-1381	68	12	towards	towards	ADP
ajbmeb-1381	68	13	the	the	DET
ajbmeb-1381	68	14	best	good	ADJ
ajbmeb-1381	68	15	course	course	NOUN
ajbmeb-1381	68	16	of	of	ADP
ajbmeb-1381	68	17	action	action	NOUN
ajbmeb-1381	68	18	while	while	SCONJ
ajbmeb-1381	68	19	making	make	VERB
ajbmeb-1381	68	20	management	management	NOUN
ajbmeb-1381	68	21	decisions	decision	NOUN
ajbmeb-1381	68	22	for	for	ADP
ajbmeb-1381	68	23	their	their	PRON
ajbmeb-1381	68	24	own	own	ADJ
ajbmeb-1381	68	25	finances	finance	NOUN
ajbmeb-1381	68	26	,	,	PUNCT
ajbmeb-1381	68	27	a	a	DET
ajbmeb-1381	68	28	better	well	ADJ
ajbmeb-1381	68	29	degree	degree	NOUN
ajbmeb-1381	68	30	of	of	ADP
ajbmeb-1381	68	31	financial	financial	ADJ
ajbmeb-1381	68	32	understanding	understanding	NOUN
ajbmeb-1381	68	33	will	will	AUX
ajbmeb-1381	68	34	result	result	VERB
ajbmeb-1381	68	35	in	in	ADP
ajbmeb-1381	68	36	excellent	excellent	ADJ
ajbmeb-1381	68	37	financial	financial	ADJ
ajbmeb-1381	68	38	behaviour	behaviour	NOUN
ajbmeb-1381	68	39	,	,	PUNCT
ajbmeb-1381	68	40	according	accord	VERB
ajbmeb-1381	68	41	to	to	ADP
ajbmeb-1381	68	42	perry	perry	PROPN
ajbmeb-1381	68	43	and	and	CCONJ
ajbmeb-1381	68	44	morris	morris	PROPN
ajbmeb-1381	68	45	(	(	PUNCT
ajbmeb-1381	68	46	2005	2005	NUM
ajbmeb-1381	68	47	)	)	PUNCT
ajbmeb-1381	68	48	(	(	PUNCT
ajbmeb-1381	68	49	robb	robb	NOUN
ajbmeb-1381	68	50	&	&	CCONJ
ajbmeb-1381	68	51	woodyard	woodyard	PROPN
ajbmeb-1381	68	52	,	,	PUNCT
ajbmeb-1381	68	53	2011	2011	NUM
ajbmeb-1381	68	54	)	)	PUNCT
ajbmeb-1381	68	55	.	.	PUNCT
ajbmeb-1381	69	1	the	the	DET
ajbmeb-1381	69	2	method	method	NOUN
ajbmeb-1381	69	3	by	by	ADP
ajbmeb-1381	69	4	which	which	PRON
ajbmeb-1381	69	5	financial	financial	ADJ
ajbmeb-1381	69	6	consumers	consumer	NOUN
ajbmeb-1381	69	7	and	and	CCONJ
ajbmeb-1381	69	8	investors	investor	NOUN
ajbmeb-1381	69	9	increase	increase	VERB
ajbmeb-1381	69	10	their	their	PRON
ajbmeb-1381	69	11	comprehension	comprehension	NOUN
ajbmeb-1381	69	12	of	of	ADP
ajbmeb-1381	69	13	financial	financial	ADJ
ajbmeb-1381	69	14	products	product	NOUN
ajbmeb-1381	69	15	,	,	PUNCT
ajbmeb-1381	69	16	concepts	concept	NOUN
ajbmeb-1381	69	17	,	,	PUNCT
ajbmeb-1381	69	18	and	and	CCONJ
ajbmeb-1381	69	19	risks	risk	NOUN
ajbmeb-1381	69	20	and	and	CCONJ
ajbmeb-1381	69	21	through	through	ADP
ajbmeb-1381	69	22	unbiased	unbiased	ADJ
ajbmeb-1381	69	23	information	information	NOUN
ajbmeb-1381	69	24	,	,	PUNCT
ajbmeb-1381	69	25	instructions	instruction	NOUN
ajbmeb-1381	69	26	,	,	PUNCT
ajbmeb-1381	69	27	and	and	CCONJ
ajbmeb-1381	69	28	advice	advice	NOUN
ajbmeb-1381	69	29	build	build	NOUN
ajbmeb-1381	69	30	skills	skill	NOUN
ajbmeb-1381	69	31	and	and	CCONJ
ajbmeb-1381	69	32	confidence	confidence	NOUN
ajbmeb-1381	69	33	to	to	PART
ajbmeb-1381	69	34	become	become	VERB
ajbmeb-1381	69	35	more	more	ADV
ajbmeb-1381	69	36	aware	aware	ADJ
ajbmeb-1381	69	37	of	of	ADP
ajbmeb-1381	69	38	financial	financial	ADJ
ajbmeb-1381	69	39	risks	risk	NOUN
ajbmeb-1381	69	40	and	and	CCONJ
ajbmeb-1381	69	41	opportunities	opportunity	NOUN
ajbmeb-1381	69	42	,	,	PUNCT
ajbmeb-1381	69	43	to	to	PART
ajbmeb-1381	69	44	make	make	VERB
ajbmeb-1381	69	45	informed	informed	ADJ
ajbmeb-1381	69	46	decisions	decision	NOUN
ajbmeb-1381	69	47	,	,	PUNCT
ajbmeb-1381	69	48	to	to	PART
ajbmeb-1381	69	49	know	know	VERB
ajbmeb-1381	69	50	where	where	SCONJ
ajbmeb-1381	69	51	to	to	PART
ajbmeb-1381	69	52	turn	turn	VERB
ajbmeb-1381	69	53	for	for	ADP
ajbmeb-1381	69	54	help	help	NOUN
ajbmeb-1381	69	55	,	,	PUNCT
ajbmeb-1381	69	56	and	and	CCONJ
ajbmeb-1381	69	57	to	to	PART
ajbmeb-1381	69	58	take	take	VERB
ajbmeb-1381	69	59	other	other	ADJ
ajbmeb-1381	69	60	practical	practical	ADJ
ajbmeb-1381	69	61	actions	action	NOUN
ajbmeb-1381	69	62	to	to	PART
ajbmeb-1381	69	63	improve	improve	VERB
ajbmeb-1381	69	64	their	their	PRON
ajbmeb-1381	69	65	financial	financial	ADJ
ajbmeb-1381	69	66	well	well	NOUN
ajbmeb-1381	69	67	-	-	PUNCT
ajbmeb-1381	69	68	being	be	AUX
ajbmeb-1381	69	69	(	(	PUNCT
ajbmeb-1381	69	70	atkinson	atkinson	PROPN
ajbmeb-1381	69	71	&	&	CCONJ
ajbmeb-1381	69	72	messy	messy	PROPN
ajbmeb-1381	69	73	,	,	PUNCT
ajbmeb-1381	69	74	2013	2013	NUM
ajbmeb-1381	69	75	)	)	PUNCT
ajbmeb-1381	69	76	,	,	PUNCT
ajbmeb-1381	69	77	a	a	DET
ajbmeb-1381	69	78	person	person	NOUN
ajbmeb-1381	69	79	who	who	PRON
ajbmeb-1381	69	80	is	be	AUX
ajbmeb-1381	69	81	financially	financially	ADV
ajbmeb-1381	69	82	literate	literate	ADJ
ajbmeb-1381	69	83	will	will	AUX
ajbmeb-1381	69	84	be	be	AUX
ajbmeb-1381	69	85	familiar	familiar	ADJ
ajbmeb-1381	69	86	with	with	ADP
ajbmeb-1381	69	87	several	several	ADJ
ajbmeb-1381	69	88	fundamental	fundamental	ADJ
ajbmeb-1381	69	89	financial	financial	ADJ
ajbmeb-1381	69	90	terms	term	NOUN
ajbmeb-1381	69	91	(	(	PUNCT
ajbmeb-1381	69	92	adiputra	adiputra	PROPN
ajbmeb-1381	69	93	et	et	PROPN
ajbmeb-1381	69	94	al	al	PROPN
ajbmeb-1381	69	95	.	.	PROPN
ajbmeb-1381	69	96	,	,	PUNCT
ajbmeb-1381	69	97	2021	2021	NUM
ajbmeb-1381	69	98	)	)	PUNCT
ajbmeb-1381	69	99	.	.	PUNCT
ajbmeb-1381	70	1	because	because	SCONJ
ajbmeb-1381	70	2	they	they	PRON
ajbmeb-1381	70	3	are	be	AUX
ajbmeb-1381	70	4	completely	completely	ADV
ajbmeb-1381	70	5	aware	aware	ADJ
ajbmeb-1381	70	6	of	of	ADP
ajbmeb-1381	70	7	their	their	PRON
ajbmeb-1381	70	8	existing	exist	VERB
ajbmeb-1381	70	9	financial	financial	ADJ
ajbmeb-1381	70	10	status	status	NOUN
ajbmeb-1381	70	11	and	and	CCONJ
ajbmeb-1381	70	12	how	how	SCONJ
ajbmeb-1381	70	13	to	to	PART
ajbmeb-1381	70	14	improve	improve	VERB
ajbmeb-1381	70	15	it	it	PRON
ajbmeb-1381	70	16	,	,	PUNCT
ajbmeb-1381	70	17	highly	highly	ADV
ajbmeb-1381	70	18	informed	informed	ADJ
ajbmeb-1381	70	19	people	people	NOUN
ajbmeb-1381	70	20	tend	tend	VERB
ajbmeb-1381	70	21	to	to	PART
ajbmeb-1381	70	22	have	have	VERB
ajbmeb-1381	70	23	higher	high	ADJ
ajbmeb-1381	70	24	life	life	NOUN
ajbmeb-1381	70	25	satisfaction	satisfaction	NOUN
ajbmeb-1381	70	26	values	value	NOUN
ajbmeb-1381	70	27	.	.	PUNCT
ajbmeb-1381	71	1	financial	financial	ADJ
ajbmeb-1381	71	2	knowledge	knowledge	NOUN
ajbmeb-1381	71	3	is	be	AUX
ajbmeb-1381	71	4	a	a	DET
ajbmeb-1381	71	5	conceptual	conceptual	ADJ
ajbmeb-1381	71	6	definition	definition	NOUN
ajbmeb-1381	71	7	of	of	ADP
ajbmeb-1381	71	8	financial	financial	ADJ
ajbmeb-1381	71	9	literacy	literacy	NOUN
ajbmeb-1381	71	10	since	since	SCONJ
ajbmeb-1381	71	11	it	it	PRON
ajbmeb-1381	71	12	influences	influence	VERB
ajbmeb-1381	71	13	one	one	PRON
ajbmeb-1381	71	14	's	's	PART
ajbmeb-1381	71	15	financial	financial	ADJ
ajbmeb-1381	71	16	behaviour	behaviour	NOUN
ajbmeb-1381	71	17	and	and	CCONJ
ajbmeb-1381	71	18	is	be	AUX
ajbmeb-1381	71	19	a	a	DET
ajbmeb-1381	71	20	crucial	crucial	ADJ
ajbmeb-1381	71	21	component	component	NOUN
ajbmeb-1381	71	22	of	of	ADP
ajbmeb-1381	71	23	financial	financial	ADJ
ajbmeb-1381	71	24	education	education	NOUN
ajbmeb-1381	71	25	for	for	ADP
ajbmeb-1381	71	26	those	those	PRON
ajbmeb-1381	71	27	who	who	PRON
ajbmeb-1381	71	28	want	want	VERB
ajbmeb-1381	71	29	to	to	PART
ajbmeb-1381	71	30	prevent	prevent	VERB
ajbmeb-1381	71	31	financial	financial	ADJ
ajbmeb-1381	71	32	issues	issue	NOUN
ajbmeb-1381	71	33	(	(	PUNCT
ajbmeb-1381	71	34	mismanagement	mismanagement	NOUN
ajbmeb-1381	71	35	)	)	PUNCT
ajbmeb-1381	71	36	.	.	PUNCT
ajbmeb-1381	72	1	according	accord	VERB
ajbmeb-1381	72	2	to	to	ADP
ajbmeb-1381	72	3	mudzingiri	mudzingiri	PROPN
ajbmeb-1381	72	4	et	et	PROPN
ajbmeb-1381	72	5	al	al	PROPN
ajbmeb-1381	72	6	.	.	PUNCT
ajbmeb-1381	73	1	(	(	PUNCT
ajbmeb-1381	73	2	2018	2018	NUM
ajbmeb-1381	73	3	)	)	PUNCT
ajbmeb-1381	73	4	,	,	PUNCT
ajbmeb-1381	73	5	income	income	NOUN
ajbmeb-1381	73	6	is	be	AUX
ajbmeb-1381	73	7	the	the	DET
ajbmeb-1381	73	8	sum	sum	NOUN
ajbmeb-1381	73	9	of	of	ADP
ajbmeb-1381	73	10	a	a	DET
ajbmeb-1381	73	11	person	person	NOUN
ajbmeb-1381	73	12	's	's	PART
ajbmeb-1381	73	13	yearly	yearly	ADJ
ajbmeb-1381	73	14	earnings	earning	NOUN
ajbmeb-1381	73	15	from	from	ADP
ajbmeb-1381	73	16	salaries	salary	NOUN
ajbmeb-1381	73	17	,	,	PUNCT
ajbmeb-1381	73	18	business	business	NOUN
ajbmeb-1381	73	19	ventures	venture	NOUN
ajbmeb-1381	73	20	,	,	PUNCT
ajbmeb-1381	73	21	and	and	CCONJ
ajbmeb-1381	73	22	different	different	ADJ
ajbmeb-1381	73	23	sorts	sort	NOUN
ajbmeb-1381	73	24	of	of	ADP
ajbmeb-1381	73	25	investments	investment	NOUN
ajbmeb-1381	73	26	.	.	PUNCT
ajbmeb-1381	74	1	it	it	PRON
ajbmeb-1381	74	2	comes	come	VERB
ajbmeb-1381	74	3	from	from	ADP
ajbmeb-1381	74	4	a	a	DET
ajbmeb-1381	74	5	variety	variety	NOUN
ajbmeb-1381	74	6	of	of	ADP
ajbmeb-1381	74	7	sources	source	NOUN
ajbmeb-1381	74	8	(	(	PUNCT
ajbmeb-1381	74	9	adiputra	adiputra	PROPN
ajbmeb-1381	74	10	&	&	CCONJ
ajbmeb-1381	74	11	patricia	patricia	PROPN
ajbmeb-1381	74	12	,	,	PUNCT
ajbmeb-1381	74	13	2019	2019	NUM
ajbmeb-1381	74	14	)	)	PUNCT
ajbmeb-1381	74	15	.	.	PUNCT
ajbmeb-1381	75	1	the	the	DET
ajbmeb-1381	75	2	foundation	foundation	NOUN
ajbmeb-1381	75	3	of	of	ADP
ajbmeb-1381	75	4	financial	financial	ADJ
ajbmeb-1381	75	5	literacy	literacy	NOUN
ajbmeb-1381	75	6	is	be	AUX
ajbmeb-1381	75	7	(	(	PUNCT
ajbmeb-1381	75	8	1	1	X
ajbmeb-1381	75	9	)	)	PUNCT
ajbmeb-1381	75	10	saving	save	VERB
ajbmeb-1381	75	11	money.(2)debt	money.(2)debt	PROPN
ajbmeb-1381	75	12	.	.	PUNCT
ajbmeb-1381	76	1	(	(	PUNCT
ajbmeb-1381	76	2	3	3	X
ajbmeb-1381	76	3	)	)	PUNCT
ajbmeb-1381	76	4	the	the	DET
ajbmeb-1381	76	5	present	present	ADJ
ajbmeb-1381	76	6	state	state	NOUN
ajbmeb-1381	76	7	of	of	ADP
ajbmeb-1381	76	8	the	the	DET
ajbmeb-1381	76	9	economy	economy	NOUN
ajbmeb-1381	76	10	.	.	PUNCT
ajbmeb-1381	77	1	(	(	PUNCT
ajbmeb-1381	77	2	4	4	X
ajbmeb-1381	77	3	)	)	PUNCT
ajbmeb-1381	77	4	the	the	DET
ajbmeb-1381	77	5	capacity	capacity	NOUN
ajbmeb-1381	77	6	to	to	PART
ajbmeb-1381	77	7	satisfy	satisfy	VERB
ajbmeb-1381	77	8	long	long	ADJ
ajbmeb-1381	77	9	-	-	PUNCT
ajbmeb-1381	77	10	term	term	NOUN
ajbmeb-1381	77	11	requirements.(5	requirements.(5	PROPN
ajbmeb-1381	77	12	)	)	PUNCT
ajbmeb-1381	77	13	money	money	NOUN
ajbmeb-1381	77	14	for	for	ADP
ajbmeb-1381	77	15	unexpected	unexpected	ADJ
ajbmeb-1381	77	16	costs.(6	costs.(6	PROPN
ajbmeb-1381	77	17	)	)	PUNCT
ajbmeb-1381	77	18	personal	personal	ADJ
ajbmeb-1381	77	19	finance	finance	NOUN
ajbmeb-1381	77	20	management	management	NOUN
ajbmeb-1381	77	21	abilities	ability	NOUN
ajbmeb-1381	77	22	(	(	PUNCT
ajbmeb-1381	77	23	arifin	arifin	PROPN
ajbmeb-1381	77	24	,	,	PUNCT
ajbmeb-1381	77	25	2018	2018	NUM
ajbmeb-1381	77	26	)	)	PUNCT
ajbmeb-1381	77	27	.	.	PUNCT
ajbmeb-1381	78	1	financial	financial	ADJ
ajbmeb-1381	78	2	behavior	behavior	NOUN
ajbmeb-1381	78	3	:	:	PUNCT
ajbmeb-1381	78	4	it	it	PRON
ajbmeb-1381	78	5	is	be	AUX
ajbmeb-1381	78	6	a	a	DET
ajbmeb-1381	78	7	person	person	NOUN
ajbmeb-1381	78	8	's	's	PART
ajbmeb-1381	78	9	behaviour	behaviour	NOUN
ajbmeb-1381	78	10	that	that	PRON
ajbmeb-1381	78	11	significantly	significantly	ADV
ajbmeb-1381	78	12	affects	affect	VERB
ajbmeb-1381	78	13	their	their	PRON
ajbmeb-1381	78	14	financial	financial	ADJ
ajbmeb-1381	78	15	well	well	NOUN
ajbmeb-1381	78	16	-	-	PUNCT
ajbmeb-1381	78	17	being	being	NOUN
ajbmeb-1381	78	18	.	.	PUNCT
ajbmeb-1381	79	1	therefore	therefore	ADV
ajbmeb-1381	79	2	,	,	PUNCT
ajbmeb-1381	79	3	it	it	PRON
ajbmeb-1381	79	4	's	be	AUX
ajbmeb-1381	79	5	critical	critical	ADJ
ajbmeb-1381	79	6	to	to	PART
ajbmeb-1381	79	7	gather	gather	VERB
ajbmeb-1381	79	8	proof	proof	NOUN
ajbmeb-1381	79	9	of	of	ADP
ajbmeb-1381	79	10	behaviour	behaviour	NOUN
ajbmeb-1381	79	11	consistent	consistent	ADJ
ajbmeb-1381	79	12	with	with	ADP
ajbmeb-1381	79	13	a	a	DET
ajbmeb-1381	79	14	standard	standard	NOUN
ajbmeb-1381	79	15	of	of	ADP
ajbmeb-1381	79	16	financial	financial	ADJ
ajbmeb-1381	79	17	literacy	literacy	NOUN
ajbmeb-1381	79	18	.	.	PUNCT
ajbmeb-1381	80	1	to	to	PART
ajbmeb-1381	80	2	make	make	VERB
ajbmeb-1381	80	3	ends	end	NOUN
ajbmeb-1381	80	4	meet	meet	VERB
ajbmeb-1381	80	5	,	,	PUNCT
ajbmeb-1381	80	6	practise	practise	NOUN
ajbmeb-1381	80	7	behaviours	behaviour	NOUN
ajbmeb-1381	80	8	like	like	ADP
ajbmeb-1381	80	9	deliberating	deliberate	VERB
ajbmeb-1381	80	10	before	before	ADP
ajbmeb-1381	80	11	making	make	VERB
ajbmeb-1381	80	12	a	a	DET
ajbmeb-1381	80	13	purchase	purchase	NOUN
ajbmeb-1381	80	14	,	,	PUNCT
ajbmeb-1381	80	15	paying	pay	VERB
ajbmeb-1381	80	16	bills	bill	NOUN
ajbmeb-1381	80	17	on	on	ADP
ajbmeb-1381	80	18	time	time	NOUN
ajbmeb-1381	80	19	,	,	PUNCT
ajbmeb-1381	80	20	creating	create	VERB
ajbmeb-1381	80	21	a	a	DET
ajbmeb-1381	80	22	budget	budget	NOUN
ajbmeb-1381	80	23	,	,	PUNCT
ajbmeb-1381	80	24	and	and	CCONJ
ajbmeb-1381	80	25	saving	save	VERB
ajbmeb-1381	80	26	and	and	CCONJ
ajbmeb-1381	80	27	borrowing	borrow	VERB
ajbmeb-1381	80	28	money	money	NOUN
ajbmeb-1381	80	29	.	.	PUNCT
ajbmeb-1381	81	1	the	the	DET
ajbmeb-1381	81	2	good	good	ADJ
ajbmeb-1381	81	3	behaviours	behaviour	NOUN
ajbmeb-1381	81	4	are	be	AUX
ajbmeb-1381	81	5	determined	determine	VERB
ajbmeb-1381	81	6	by	by	ADP
ajbmeb-1381	81	7	the	the	DET
ajbmeb-1381	81	8	american	american	PROPN
ajbmeb-1381	81	9	journal	journal	PROPN
ajbmeb-1381	81	10	of	of	ADP
ajbmeb-1381	81	11	business	business	NOUN
ajbmeb-1381	81	12	management	management	NOUN
ajbmeb-1381	81	13	,	,	PUNCT
ajbmeb-1381	81	14	economics	economic	NOUN
ajbmeb-1381	81	15	and	and	CCONJ
ajbmeb-1381	81	16	banking	banking	NOUN
ajbmeb-1381	81	17	volume	volume	NOUN
ajbmeb-1381	81	18	17	17	NUM
ajbmeb-1381	81	19	oct	oct	PROPN
ajbmeb-1381	81	20	.	.	PROPN
ajbmeb-1381	81	21	,	,	PUNCT
ajbmeb-1381	81	22	2023	2023	NUM
ajbmeb-1381	81	23	p	p	NOUN
ajbmeb-1381	81	24	a	a	DET
ajbmeb-1381	81	25	g	g	NOUN
ajbmeb-1381	81	26	e	e	NOUN
ajbmeb-1381	81	27	|	|	ADV
ajbmeb-1381	81	28	95	95	NUM
ajbmeb-1381	81	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1381	81	30	financial	financial	ADJ
ajbmeb-1381	81	31	behaviour	behaviour	NOUN
ajbmeb-1381	81	32	score	score	NOUN
ajbmeb-1381	81	33	(	(	PUNCT
ajbmeb-1381	81	34	khawar	khawar	PROPN
ajbmeb-1381	81	35	&	&	CCONJ
ajbmeb-1381	81	36	sarwar	sarwar	PROPN
ajbmeb-1381	81	37	,	,	PUNCT
ajbmeb-1381	81	38	2021	2021	NUM
ajbmeb-1381	81	39	)	)	PUNCT
ajbmeb-1381	81	40	.	.	PUNCT
ajbmeb-1381	82	1	people	people	NOUN
ajbmeb-1381	82	2	often	often	ADV
ajbmeb-1381	82	3	simply	simply	ADV
ajbmeb-1381	82	4	consider	consider	VERB
ajbmeb-1381	82	5	their	their	PRON
ajbmeb-1381	82	6	immediate	immediate	ADJ
ajbmeb-1381	82	7	,	,	PUNCT
ajbmeb-1381	82	8	short	short	ADJ
ajbmeb-1381	82	9	-	-	PUNCT
ajbmeb-1381	82	10	term	term	NOUN
ajbmeb-1381	82	11	demands	demand	NOUN
ajbmeb-1381	82	12	or	or	CCONJ
ajbmeb-1381	82	13	engage	engage	VERB
ajbmeb-1381	82	14	in	in	ADP
ajbmeb-1381	82	15	impulsive	impulsive	ADJ
ajbmeb-1381	82	16	buying	buying	NOUN
ajbmeb-1381	82	17	.	.	PUNCT
ajbmeb-1381	83	1	any	any	DET
ajbmeb-1381	83	2	individual	individual	ADJ
ajbmeb-1381	83	3	behaviour	behaviour	NOUN
ajbmeb-1381	83	4	that	that	PRON
ajbmeb-1381	83	5	is	be	AUX
ajbmeb-1381	83	6	strongly	strongly	ADV
ajbmeb-1381	83	7	connected	connect	VERB
ajbmeb-1381	83	8	to	to	ADP
ajbmeb-1381	83	9	personal	personal	ADJ
ajbmeb-1381	83	10	financial	financial	ADJ
ajbmeb-1381	83	11	management	management	NOUN
ajbmeb-1381	83	12	may	may	AUX
ajbmeb-1381	83	13	be	be	AUX
ajbmeb-1381	83	14	categorised	categorise	VERB
ajbmeb-1381	83	15	as	as	ADP
ajbmeb-1381	83	16	financial	financial	ADJ
ajbmeb-1381	83	17	behaviour	behaviour	NOUN
ajbmeb-1381	83	18	,	,	PUNCT
ajbmeb-1381	83	19	and	and	CCONJ
ajbmeb-1381	83	20	this	this	DET
ajbmeb-1381	83	21	definition	definition	NOUN
ajbmeb-1381	83	22	can	can	AUX
ajbmeb-1381	83	23	be	be	AUX
ajbmeb-1381	83	24	extended	extend	VERB
ajbmeb-1381	83	25	to	to	PART
ajbmeb-1381	83	26	include	include	VERB
ajbmeb-1381	83	27	all	all	DET
ajbmeb-1381	83	28	types	type	NOUN
ajbmeb-1381	83	29	of	of	ADP
ajbmeb-1381	83	30	individual	individual	ADJ
ajbmeb-1381	83	31	behaviour	behaviour	NOUN
ajbmeb-1381	83	32	(	(	PUNCT
ajbmeb-1381	83	33	rahman	rahman	PROPN
ajbmeb-1381	83	34	et	et	PROPN
ajbmeb-1381	83	35	al	al	PROPN
ajbmeb-1381	83	36	.	.	PROPN
ajbmeb-1381	83	37	,	,	PUNCT
ajbmeb-1381	83	38	2021	2021	NUM
ajbmeb-1381	83	39	)	)	PUNCT
ajbmeb-1381	83	40	.	.	PUNCT
ajbmeb-1381	84	1	individual	individual	ADJ
ajbmeb-1381	84	2	financial	financial	ADJ
ajbmeb-1381	84	3	management	management	NOUN
ajbmeb-1381	84	4	behaviour	behaviour	NOUN
ajbmeb-1381	84	5	can	can	AUX
ajbmeb-1381	84	6	be	be	AUX
ajbmeb-1381	84	7	assessed	assess	VERB
ajbmeb-1381	84	8	using	use	VERB
ajbmeb-1381	84	9	four	four	NUM
ajbmeb-1381	84	10	main	main	ADJ
ajbmeb-1381	84	11	indicators	indicator	NOUN
ajbmeb-1381	84	12	:	:	PUNCT
ajbmeb-1381	84	13	consumption	consumption	NOUN
ajbmeb-1381	84	14	level	level	NOUN
ajbmeb-1381	84	15	,	,	PUNCT
ajbmeb-1381	84	16	cash	cash	NOUN
ajbmeb-1381	84	17	flow	flow	NOUN
ajbmeb-1381	84	18	management	management	NOUN
ajbmeb-1381	84	19	skill	skill	NOUN
ajbmeb-1381	84	20	level	level	NOUN
ajbmeb-1381	84	21	,	,	PUNCT
ajbmeb-1381	84	22	credit	credit	NOUN
ajbmeb-1381	84	23	management	management	NOUN
ajbmeb-1381	84	24	skill	skill	NOUN
ajbmeb-1381	84	25	level	level	NOUN
ajbmeb-1381	84	26	,	,	PUNCT
ajbmeb-1381	84	27	savings	saving	NOUN
ajbmeb-1381	84	28	and	and	CCONJ
ajbmeb-1381	84	29	investment	investment	NOUN
ajbmeb-1381	84	30	skill	skill	NOUN
ajbmeb-1381	84	31	level	level	NOUN
ajbmeb-1381	84	32	,	,	PUNCT
ajbmeb-1381	84	33	and	and	CCONJ
ajbmeb-1381	84	34	debt	debt	NOUN
ajbmeb-1381	84	35	management	management	NOUN
ajbmeb-1381	84	36	skill	skill	NOUN
ajbmeb-1381	84	37	level	level	NOUN
ajbmeb-1381	84	38	(	(	PUNCT
ajbmeb-1381	84	39	adiputra	adiputra	PROPN
ajbmeb-1381	84	40	et	et	PROPN
ajbmeb-1381	84	41	al	al	PROPN
ajbmeb-1381	84	42	.	.	PROPN
ajbmeb-1381	84	43	,2021	,2021	PROPN
ajbmeb-1381	84	44	)	)	PUNCT
ajbmeb-1381	84	45	.	.	PUNCT
ajbmeb-1381	85	1	financial	financial	ADJ
ajbmeb-1381	85	2	management	management	NOUN
ajbmeb-1381	85	3	behaviour	behaviour	NOUN
ajbmeb-1381	85	4	is	be	AUX
ajbmeb-1381	85	5	the	the	DET
ajbmeb-1381	85	6	behaviour	behaviour	NOUN
ajbmeb-1381	85	7	of	of	ADP
ajbmeb-1381	85	8	a	a	DET
ajbmeb-1381	85	9	person	person	NOUN
ajbmeb-1381	85	10	in	in	ADP
ajbmeb-1381	85	11	managing	manage	VERB
ajbmeb-1381	85	12	his	his	PRON
ajbmeb-1381	85	13	financial	financial	ADJ
ajbmeb-1381	85	14	resources	resource	NOUN
ajbmeb-1381	85	15	.	.	PUNCT
ajbmeb-1381	86	1	the	the	DET
ajbmeb-1381	86	2	purpose	purpose	NOUN
ajbmeb-1381	86	3	of	of	ADP
ajbmeb-1381	86	4	financial	financial	ADJ
ajbmeb-1381	86	5	behaviour	behaviour	NOUN
ajbmeb-1381	86	6	for	for	ADP
ajbmeb-1381	86	7	investors	investor	NOUN
ajbmeb-1381	86	8	is	be	AUX
ajbmeb-1381	86	9	to	to	PART
ajbmeb-1381	86	10	clarify	clarify	VERB
ajbmeb-1381	86	11	and	and	CCONJ
ajbmeb-1381	86	12	aid	aid	VERB
ajbmeb-1381	86	13	in	in	ADP
ajbmeb-1381	86	14	the	the	DET
ajbmeb-1381	86	15	comprehension	comprehension	NOUN
ajbmeb-1381	86	16	of	of	ADP
ajbmeb-1381	86	17	their	their	PRON
ajbmeb-1381	86	18	thought	thought	NOUN
ajbmeb-1381	86	19	processes	process	NOUN
ajbmeb-1381	86	20	,	,	PUNCT
ajbmeb-1381	86	21	including	include	VERB
ajbmeb-1381	86	22	their	their	PRON
ajbmeb-1381	86	23	emotional	emotional	ADJ
ajbmeb-1381	86	24	reactions	reaction	NOUN
ajbmeb-1381	86	25	and	and	CCONJ
ajbmeb-1381	86	26	decision	decision	NOUN
ajbmeb-1381	86	27	-	-	PUNCT
ajbmeb-1381	86	28	making	make	VERB
ajbmeb-1381	86	29	procedures	procedure	NOUN
ajbmeb-1381	86	30	.	.	PUNCT
ajbmeb-1381	87	1	this	this	DET
ajbmeb-1381	87	2	financial	financial	ADJ
ajbmeb-1381	87	3	behaviour	behaviour	NOUN
ajbmeb-1381	87	4	primarily	primarily	ADV
ajbmeb-1381	87	5	aims	aim	VERB
ajbmeb-1381	87	6	to	to	PART
ajbmeb-1381	87	7	describe	describe	VERB
ajbmeb-1381	87	8	what	what	PRON
ajbmeb-1381	87	9	,	,	PUNCT
ajbmeb-1381	87	10	why	why	SCONJ
ajbmeb-1381	87	11	,	,	PUNCT
ajbmeb-1381	87	12	and	and	CCONJ
ajbmeb-1381	87	13	how	how	SCONJ
ajbmeb-1381	87	14	a	a	DET
ajbmeb-1381	87	15	person	person	NOUN
ajbmeb-1381	87	16	views	view	VERB
ajbmeb-1381	87	17	money	money	NOUN
ajbmeb-1381	87	18	and	and	CCONJ
ajbmeb-1381	87	19	investments	investment	NOUN
ajbmeb-1381	87	20	.	.	PUNCT
ajbmeb-1381	88	1	the	the	DET
ajbmeb-1381	88	2	ability	ability	NOUN
ajbmeb-1381	88	3	to	to	PART
ajbmeb-1381	88	4	organise	organise	VERB
ajbmeb-1381	88	5	planning	planning	NOUN
ajbmeb-1381	88	6	,	,	PUNCT
ajbmeb-1381	88	7	budgeting	budgeting	NOUN
ajbmeb-1381	88	8	,	,	PUNCT
ajbmeb-1381	88	9	examination	examination	NOUN
ajbmeb-1381	88	10	,	,	PUNCT
ajbmeb-1381	88	11	management	management	NOUN
ajbmeb-1381	88	12	,	,	PUNCT
ajbmeb-1381	88	13	control	control	NOUN
ajbmeb-1381	88	14	,	,	PUNCT
ajbmeb-1381	88	15	research	research	NOUN
ajbmeb-1381	88	16	,	,	PUNCT
ajbmeb-1381	88	17	and	and	CCONJ
ajbmeb-1381	88	18	storage	storage	NOUN
ajbmeb-1381	88	19	of	of	ADP
ajbmeb-1381	88	20	money	money	NOUN
ajbmeb-1381	88	21	is	be	AUX
ajbmeb-1381	88	22	referred	refer	VERB
ajbmeb-1381	88	23	to	to	ADP
ajbmeb-1381	88	24	as	as	ADP
ajbmeb-1381	88	25	financial	financial	ADJ
ajbmeb-1381	88	26	management	management	NOUN
ajbmeb-1381	88	27	behaviour	behaviour	NOUN
ajbmeb-1381	88	28	.	.	PUNCT
ajbmeb-1381	89	1	as	as	ADP
ajbmeb-1381	89	2	a	a	DET
ajbmeb-1381	89	3	result	result	NOUN
ajbmeb-1381	89	4	of	of	ADP
ajbmeb-1381	89	5	technological	technological	ADJ
ajbmeb-1381	89	6	advancement	advancement	NOUN
ajbmeb-1381	89	7	and	and	CCONJ
ajbmeb-1381	89	8	its	its	PRON
ajbmeb-1381	89	9	simplicity	simplicity	NOUN
ajbmeb-1381	89	10	as	as	ADP
ajbmeb-1381	89	11	a	a	DET
ajbmeb-1381	89	12	new	new	ADJ
ajbmeb-1381	89	13	payment	payment	NOUN
ajbmeb-1381	89	14	method	method	NOUN
ajbmeb-1381	89	15	that	that	PRON
ajbmeb-1381	89	16	offers	offer	VERB
ajbmeb-1381	89	17	many	many	ADJ
ajbmeb-1381	89	18	promotions	promotion	NOUN
ajbmeb-1381	89	19	,	,	PUNCT
ajbmeb-1381	89	20	some	some	DET
ajbmeb-1381	89	21	people	people	NOUN
ajbmeb-1381	89	22	fail	fail	VERB
ajbmeb-1381	89	23	to	to	PART
ajbmeb-1381	89	24	allocate	allocate	VERB
ajbmeb-1381	89	25	their	their	PRON
ajbmeb-1381	89	26	income	income	NOUN
ajbmeb-1381	89	27	to	to	ADP
ajbmeb-1381	89	28	long	long	ADJ
ajbmeb-1381	89	29	-	-	PUNCT
ajbmeb-1381	89	30	term	term	NOUN
ajbmeb-1381	89	31	needs	need	NOUN
ajbmeb-1381	89	32	,	,	PUNCT
ajbmeb-1381	89	33	such	such	ADJ
ajbmeb-1381	89	34	as	as	ADP
ajbmeb-1381	89	35	investments	investment	NOUN
ajbmeb-1381	89	36	,	,	PUNCT
ajbmeb-1381	89	37	which	which	PRON
ajbmeb-1381	89	38	leads	lead	VERB
ajbmeb-1381	89	39	to	to	ADP
ajbmeb-1381	89	40	financial	financial	ADJ
ajbmeb-1381	89	41	difficulties	difficulty	NOUN
ajbmeb-1381	89	42	(	(	PUNCT
ajbmeb-1381	89	43	raaij	raaij	NOUN
ajbmeb-1381	89	44	,	,	PUNCT
ajbmeb-1381	89	45	2012	2012	NUM
ajbmeb-1381	89	46	)	)	PUNCT
ajbmeb-1381	89	47	.	.	PUNCT
ajbmeb-1381	90	1	financial	financial	ADJ
ajbmeb-1381	90	2	behaviour	behaviour	NOUN
ajbmeb-1381	90	3	indicates	indicate	VERB
ajbmeb-1381	90	4	a	a	DET
ajbmeb-1381	90	5	person	person	NOUN
ajbmeb-1381	90	6	's	's	PART
ajbmeb-1381	90	7	capacity	capacity	NOUN
ajbmeb-1381	90	8	to	to	PART
ajbmeb-1381	90	9	manage	manage	VERB
ajbmeb-1381	90	10	(	(	PUNCT
ajbmeb-1381	90	11	plan	plan	NOUN
ajbmeb-1381	90	12	,	,	PUNCT
ajbmeb-1381	90	13	budget	budget	NOUN
ajbmeb-1381	90	14	,	,	PUNCT
ajbmeb-1381	90	15	regulate	regulate	VERB
ajbmeb-1381	90	16	,	,	PUNCT
ajbmeb-1381	90	17	utilise	utilise	VERB
ajbmeb-1381	90	18	,	,	PUNCT
ajbmeb-1381	90	19	seek	seek	VERB
ajbmeb-1381	90	20	,	,	PUNCT
ajbmeb-1381	90	21	and	and	CCONJ
ajbmeb-1381	90	22	store	store	NOUN
ajbmeb-1381	90	23	)	)	PUNCT
ajbmeb-1381	90	24	daily	daily	ADJ
ajbmeb-1381	90	25	financial	financial	ADJ
ajbmeb-1381	90	26	money	money	NOUN
ajbmeb-1381	90	27	(	(	PUNCT
ajbmeb-1381	90	28	setiyani	setiyani	NOUN
ajbmeb-1381	90	29	and	and	CCONJ
ajbmeb-1381	90	30	ameliawati	ameliawati	NOUN
ajbmeb-1381	90	31	,	,	PUNCT
ajbmeb-1381	90	32	2018	2018	NUM
ajbmeb-1381	90	33	)	)	PUNCT
ajbmeb-1381	90	34	.	.	PUNCT
ajbmeb-1381	91	1	as	as	ADP
ajbmeb-1381	91	2	a	a	DET
ajbmeb-1381	91	3	result	result	NOUN
ajbmeb-1381	91	4	,	,	PUNCT
ajbmeb-1381	91	5	failing	fail	VERB
ajbmeb-1381	91	6	to	to	PART
ajbmeb-1381	91	7	manage	manage	VERB
ajbmeb-1381	91	8	personal	personal	ADJ
ajbmeb-1381	91	9	finances	finance	NOUN
ajbmeb-1381	91	10	may	may	AUX
ajbmeb-1381	91	11	result	result	VERB
ajbmeb-1381	91	12	in	in	ADP
ajbmeb-1381	91	13	major	major	ADJ
ajbmeb-1381	91	14	long	long	ADJ
ajbmeb-1381	91	15	-	-	PUNCT
ajbmeb-1381	91	16	term	term	NOUN
ajbmeb-1381	91	17	financial	financial	ADJ
ajbmeb-1381	91	18	issues	issue	NOUN
ajbmeb-1381	91	19	,	,	PUNCT
ajbmeb-1381	91	20	a	a	DET
ajbmeb-1381	91	21	bad	bad	ADJ
ajbmeb-1381	91	22	social	social	ADJ
ajbmeb-1381	91	23	life	life	NOUN
ajbmeb-1381	91	24	,	,	PUNCT
ajbmeb-1381	91	25	and	and	CCONJ
ajbmeb-1381	91	26	other	other	ADJ
ajbmeb-1381	91	27	social	social	ADJ
ajbmeb-1381	91	28	problems	problem	NOUN
ajbmeb-1381	91	29	.	.	PUNCT
ajbmeb-1381	92	1	due	due	ADP
ajbmeb-1381	92	2	to	to	ADP
ajbmeb-1381	92	3	its	its	PRON
ajbmeb-1381	92	4	potential	potential	NOUN
ajbmeb-1381	92	5	to	to	PART
ajbmeb-1381	92	6	impact	impact	VERB
ajbmeb-1381	92	7	people	people	NOUN
ajbmeb-1381	92	8	's	's	PART
ajbmeb-1381	92	9	wellbeing	wellbee	VERB
ajbmeb-1381	92	10	,	,	PUNCT
ajbmeb-1381	92	11	financial	financial	ADJ
ajbmeb-1381	92	12	behaviour	behaviour	NOUN
ajbmeb-1381	92	13	is	be	AUX
ajbmeb-1381	92	14	crucial	crucial	ADJ
ajbmeb-1381	92	15	(	(	PUNCT
ajbmeb-1381	92	16	scheresberg	scheresberg	ADV
ajbmeb-1381	92	17	,	,	PUNCT
ajbmeb-1381	92	18	2013	2013	NUM
ajbmeb-1381	92	19	)	)	PUNCT
ajbmeb-1381	92	20	.	.	PUNCT
ajbmeb-1381	93	1	the	the	DET
ajbmeb-1381	93	2	relationship	relationship	NOUN
ajbmeb-1381	93	3	between	between	ADP
ajbmeb-1381	93	4	financial	financial	ADJ
ajbmeb-1381	93	5	knowledge	knowledge	NOUN
ajbmeb-1381	93	6	and	and	CCONJ
ajbmeb-1381	93	7	financial	financial	ADJ
ajbmeb-1381	93	8	behavior	behavior	NOUN
ajbmeb-1381	93	9	:	:	PUNCT
ajbmeb-1381	93	10	the	the	DET
ajbmeb-1381	93	11	term	term	NOUN
ajbmeb-1381	93	12	"	"	PUNCT
ajbmeb-1381	93	13	financial	financial	ADJ
ajbmeb-1381	93	14	knowledge	knowledge	NOUN
ajbmeb-1381	93	15	"	"	PUNCT
ajbmeb-1381	93	16	refers	refer	VERB
ajbmeb-1381	93	17	to	to	ADP
ajbmeb-1381	93	18	a	a	DET
ajbmeb-1381	93	19	person	person	NOUN
ajbmeb-1381	93	20	's	's	PART
ajbmeb-1381	93	21	comprehension	comprehension	NOUN
ajbmeb-1381	93	22	of	of	ADP
ajbmeb-1381	93	23	which	which	PRON
ajbmeb-1381	93	24	financial	financial	ADJ
ajbmeb-1381	93	25	concepts	concept	NOUN
ajbmeb-1381	93	26	,	,	PUNCT
ajbmeb-1381	93	27	such	such	ADJ
ajbmeb-1381	93	28	as	as	ADP
ajbmeb-1381	93	29	saving	save	VERB
ajbmeb-1381	93	30	and	and	CCONJ
ajbmeb-1381	93	31	budgeting	budgeting	NOUN
ajbmeb-1381	93	32	,	,	PUNCT
ajbmeb-1381	93	33	are	be	AUX
ajbmeb-1381	93	34	crucial	crucial	ADJ
ajbmeb-1381	93	35	.	.	PUNCT
ajbmeb-1381	94	1	it	it	PRON
ajbmeb-1381	94	2	is	be	AUX
ajbmeb-1381	94	3	possible	possible	ADJ
ajbmeb-1381	94	4	to	to	PART
ajbmeb-1381	94	5	build	build	VERB
ajbmeb-1381	94	6	on	on	ADP
ajbmeb-1381	94	7	the	the	DET
ajbmeb-1381	94	8	principle	principle	NOUN
ajbmeb-1381	94	9	of	of	ADP
ajbmeb-1381	94	10	financial	financial	ADJ
ajbmeb-1381	94	11	education	education	NOUN
ajbmeb-1381	94	12	,	,	PUNCT
ajbmeb-1381	94	13	according	accord	VERB
ajbmeb-1381	94	14	to	to	ADP
ajbmeb-1381	94	15	which	which	PRON
ajbmeb-1381	94	16	everyone	everyone	PRON
ajbmeb-1381	94	17	has	have	AUX
ajbmeb-1381	94	18	an	an	DET
ajbmeb-1381	94	19	equal	equal	ADJ
ajbmeb-1381	94	20	opportunity	opportunity	NOUN
ajbmeb-1381	94	21	to	to	PART
ajbmeb-1381	94	22	get	get	VERB
ajbmeb-1381	94	23	it	it	PRON
ajbmeb-1381	94	24	.	.	PUNCT
ajbmeb-1381	95	1	financial	financial	ADJ
ajbmeb-1381	95	2	education	education	NOUN
ajbmeb-1381	95	3	therefore	therefore	ADV
ajbmeb-1381	95	4	results	result	VERB
ajbmeb-1381	95	5	in	in	ADP
ajbmeb-1381	95	6	increased	increase	VERB
ajbmeb-1381	95	7	financial	financial	ADJ
ajbmeb-1381	95	8	knowledge	knowledge	NOUN
ajbmeb-1381	95	9	,	,	PUNCT
ajbmeb-1381	95	10	improved	improve	VERB
ajbmeb-1381	95	11	financial	financial	ADJ
ajbmeb-1381	95	12	behaviour	behaviour	NOUN
ajbmeb-1381	95	13	,	,	PUNCT
ajbmeb-1381	95	14	and	and	CCONJ
ajbmeb-1381	95	15	a	a	DET
ajbmeb-1381	95	16	rise	rise	NOUN
ajbmeb-1381	95	17	in	in	ADP
ajbmeb-1381	95	18	customers	customer	NOUN
ajbmeb-1381	95	19	.	.	PUNCT
ajbmeb-1381	96	1	financial	financial	ADJ
ajbmeb-1381	96	2	literacy	literacy	NOUN
ajbmeb-1381	96	3	is	be	AUX
ajbmeb-1381	96	4	one	one	NUM
ajbmeb-1381	96	5	of	of	ADP
ajbmeb-1381	96	6	the	the	DET
ajbmeb-1381	96	7	formations	formation	NOUN
ajbmeb-1381	96	8	of	of	ADP
ajbmeb-1381	96	9	financial	financial	ADJ
ajbmeb-1381	96	10	management	management	NOUN
ajbmeb-1381	96	11	behaviour	behaviour	NOUN
ajbmeb-1381	96	12	,	,	PUNCT
ajbmeb-1381	96	13	according	accord	VERB
ajbmeb-1381	96	14	to	to	ADP
ajbmeb-1381	96	15	the	the	DET
ajbmeb-1381	96	16	definitions	definition	NOUN
ajbmeb-1381	96	17	provided	provide	VERB
ajbmeb-1381	96	18	in	in	ADP
ajbmeb-1381	96	19	the	the	DET
ajbmeb-1381	96	20	preceding	precede	VERB
ajbmeb-1381	96	21	article	article	NOUN
ajbmeb-1381	96	22	,	,	PUNCT
ajbmeb-1381	96	23	because	because	SCONJ
ajbmeb-1381	96	24	it	it	PRON
ajbmeb-1381	96	25	consists	consist	VERB
ajbmeb-1381	96	26	of	of	ADP
ajbmeb-1381	96	27	financial	financial	ADJ
ajbmeb-1381	96	28	education	education	NOUN
ajbmeb-1381	96	29	and	and	CCONJ
ajbmeb-1381	96	30	financial	financial	ADJ
ajbmeb-1381	96	31	experience	experience	NOUN
ajbmeb-1381	96	32	that	that	PRON
ajbmeb-1381	96	33	can	can	AUX
ajbmeb-1381	96	34	enhance	enhance	VERB
ajbmeb-1381	96	35	financial	financial	ADJ
ajbmeb-1381	96	36	literacy	literacy	NOUN
ajbmeb-1381	96	37	and	and	CCONJ
ajbmeb-1381	96	38	lead	lead	VERB
ajbmeb-1381	96	39	to	to	ADP
ajbmeb-1381	96	40	more	more	ADV
ajbmeb-1381	96	41	effective	effective	ADJ
ajbmeb-1381	96	42	financial	financial	ADJ
ajbmeb-1381	96	43	decision	decision	NOUN
ajbmeb-1381	96	44	-	-	PUNCT
ajbmeb-1381	96	45	making	making	NOUN
ajbmeb-1381	96	46	(	(	PUNCT
ajbmeb-1381	96	47	adiputra	adiputra	ADJ
ajbmeb-1381	96	48	and	and	CCONJ
ajbmeb-1381	96	49	patricia	patricia	PROPN
ajbmeb-1381	96	50	,	,	PUNCT
ajbmeb-1381	96	51	2019	2019	NUM
ajbmeb-1381	96	52	)	)	PUNCT
ajbmeb-1381	96	53	.	.	PUNCT
ajbmeb-1381	97	1	the	the	DET
ajbmeb-1381	97	2	relationship	relationship	NOUN
ajbmeb-1381	97	3	between	between	ADP
ajbmeb-1381	97	4	personal	personal	ADJ
ajbmeb-1381	97	5	financial	financial	ADJ
ajbmeb-1381	97	6	behaviour	behaviour	NOUN
ajbmeb-1381	97	7	and	and	CCONJ
ajbmeb-1381	97	8	financial	financial	ADJ
ajbmeb-1381	97	9	literacy	literacy	NOUN
ajbmeb-1381	97	10	the	the	DET
ajbmeb-1381	97	11	findings	finding	NOUN
ajbmeb-1381	97	12	of	of	ADP
ajbmeb-1381	97	13	the	the	DET
ajbmeb-1381	97	14	study	study	NOUN
ajbmeb-1381	97	15	indicated	indicate	VERB
ajbmeb-1381	97	16	that	that	SCONJ
ajbmeb-1381	97	17	financial	financial	ADJ
ajbmeb-1381	97	18	literacy	literacy	NOUN
ajbmeb-1381	97	19	has	have	VERB
ajbmeb-1381	97	20	a	a	DET
ajbmeb-1381	97	21	favourable	favourable	ADJ
ajbmeb-1381	97	22	impact	impact	NOUN
ajbmeb-1381	97	23	on	on	ADP
ajbmeb-1381	97	24	people	people	NOUN
ajbmeb-1381	97	25	's	's	PART
ajbmeb-1381	97	26	financial	financial	ADJ
ajbmeb-1381	97	27	behaviour	behaviour	NOUN
ajbmeb-1381	97	28	,	,	PUNCT
ajbmeb-1381	97	29	which	which	PRON
ajbmeb-1381	97	30	implies	imply	VERB
ajbmeb-1381	97	31	that	that	SCONJ
ajbmeb-1381	97	32	people	people	NOUN
ajbmeb-1381	97	33	's	's	PART
ajbmeb-1381	97	34	financial	financial	ADJ
ajbmeb-1381	97	35	behaviour	behaviour	NOUN
ajbmeb-1381	97	36	would	would	AUX
ajbmeb-1381	97	37	increase	increase	VERB
ajbmeb-1381	97	38	as	as	ADP
ajbmeb-1381	97	39	their	their	PRON
ajbmeb-1381	97	40	financial	financial	ADJ
ajbmeb-1381	97	41	knowledge	knowledge	NOUN
ajbmeb-1381	97	42	increases	increase	NOUN
ajbmeb-1381	97	43	(	(	PUNCT
ajbmeb-1381	97	44	morris	morris	PROPN
ajbmeb-1381	97	45	,	,	PUNCT
ajbmeb-1381	97	46	et	et	PROPN
ajbmeb-1381	97	47	al	al	PROPN
ajbmeb-1381	97	48	.	.	PROPN
ajbmeb-1381	97	49	,	,	PUNCT
ajbmeb-1381	97	50	2022	2022	NUM
ajbmeb-1381	97	51	)	)	PUNCT
ajbmeb-1381	97	52	.	.	PUNCT
ajbmeb-1381	98	1	this	this	PRON
ajbmeb-1381	98	2	suggests	suggest	VERB
ajbmeb-1381	98	3	that	that	SCONJ
ajbmeb-1381	98	4	financial	financial	ADJ
ajbmeb-1381	98	5	literacy	literacy	NOUN
ajbmeb-1381	98	6	has	have	VERB
ajbmeb-1381	98	7	a	a	DET
ajbmeb-1381	98	8	significant	significant	ADJ
ajbmeb-1381	98	9	and	and	CCONJ
ajbmeb-1381	98	10	advantageous	advantageous	ADJ
ajbmeb-1381	98	11	influence	influence	NOUN
ajbmeb-1381	98	12	on	on	ADP
ajbmeb-1381	98	13	money	money	NOUN
ajbmeb-1381	98	14	management	management	NOUN
ajbmeb-1381	98	15	behaviour	behaviour	NOUN
ajbmeb-1381	98	16	.	.	PUNCT
ajbmeb-1381	99	1	since	since	SCONJ
ajbmeb-1381	99	2	it	it	PRON
ajbmeb-1381	99	3	serves	serve	VERB
ajbmeb-1381	99	4	as	as	SCONJ
ajbmeb-1381	99	5	the	the	DET
ajbmeb-1381	99	6	foundation	foundation	NOUN
ajbmeb-1381	99	7	for	for	ADP
ajbmeb-1381	99	8	an	an	DET
ajbmeb-1381	99	9	individual	individual	NOUN
ajbmeb-1381	99	10	to	to	PART
ajbmeb-1381	99	11	efficiently	efficiently	ADV
ajbmeb-1381	99	12	manage	manage	VERB
ajbmeb-1381	99	13	his	his	PRON
ajbmeb-1381	99	14	income	income	NOUN
ajbmeb-1381	99	15	in	in	ADP
ajbmeb-1381	99	16	order	order	NOUN
ajbmeb-1381	99	17	to	to	PART
ajbmeb-1381	99	18	attain	attain	VERB
ajbmeb-1381	99	19	financial	financial	ADJ
ajbmeb-1381	99	20	independence	independence	NOUN
ajbmeb-1381	99	21	,	,	PUNCT
ajbmeb-1381	99	22	financial	financial	ADJ
ajbmeb-1381	99	23	knowledge	knowledge	NOUN
ajbmeb-1381	99	24	is	be	AUX
ajbmeb-1381	99	25	one	one	NUM
ajbmeb-1381	99	26	of	of	ADP
ajbmeb-1381	99	27	the	the	DET
ajbmeb-1381	99	28	factors	factor	NOUN
ajbmeb-1381	99	29	that	that	PRON
ajbmeb-1381	99	30	influences	influence	VERB
ajbmeb-1381	99	31	financial	financial	ADJ
ajbmeb-1381	99	32	management	management	NOUN
ajbmeb-1381	99	33	behaviour	behaviour	NOUN
ajbmeb-1381	99	34	.	.	PUNCT
ajbmeb-1381	100	1	and	and	CCONJ
ajbmeb-1381	100	2	in	in	ADP
ajbmeb-1381	100	3	order	order	NOUN
ajbmeb-1381	100	4	to	to	PART
ajbmeb-1381	100	5	have	have	AUX
ajbmeb-1381	100	6	a	a	DET
ajbmeb-1381	100	7	strong	strong	ADJ
ajbmeb-1381	100	8	financial	financial	ADJ
ajbmeb-1381	100	9	understanding	understanding	NOUN
ajbmeb-1381	100	10	,	,	PUNCT
ajbmeb-1381	100	11	the	the	DET
ajbmeb-1381	100	12	individual	individual	NOUN
ajbmeb-1381	100	13	tends	tend	VERB
ajbmeb-1381	100	14	to	to	PART
ajbmeb-1381	100	15	be	be	AUX
ajbmeb-1381	100	16	accountable	accountable	ADJ
ajbmeb-1381	100	17	for	for	ADP
ajbmeb-1381	100	18	their	their	PRON
ajbmeb-1381	100	19	financial	financial	ADJ
ajbmeb-1381	100	20	behaviour	behaviour	NOUN
ajbmeb-1381	100	21	(	(	PUNCT
ajbmeb-1381	100	22	adiputra	adiputra	PROPN
ajbmeb-1381	100	23	et	et	PROPN
ajbmeb-1381	100	24	al	al	PROPN
ajbmeb-1381	100	25	.	.	PROPN
ajbmeb-1381	100	26	,2021	,2021	PROPN
ajbmeb-1381	100	27	)	)	PUNCT
ajbmeb-1381	100	28	.	.	PUNCT
ajbmeb-1381	101	1	financial	financial	ADJ
ajbmeb-1381	101	2	knowledge	knowledge	NOUN
ajbmeb-1381	101	3	seems	seem	VERB
ajbmeb-1381	101	4	to	to	PART
ajbmeb-1381	101	5	have	have	VERB
ajbmeb-1381	101	6	a	a	DET
ajbmeb-1381	101	7	favourable	favourable	ADJ
ajbmeb-1381	101	8	impact	impact	NOUN
ajbmeb-1381	101	9	on	on	ADP
ajbmeb-1381	101	10	financial	financial	ADJ
ajbmeb-1381	101	11	management	management	NOUN
ajbmeb-1381	101	12	behaviour	behaviour	NOUN
ajbmeb-1381	101	13	,	,	PUNCT
ajbmeb-1381	101	14	leading	lead	VERB
ajbmeb-1381	101	15	to	to	ADP
ajbmeb-1381	101	16	the	the	DET
ajbmeb-1381	101	17	conclusion	conclusion	NOUN
ajbmeb-1381	101	18	that	that	SCONJ
ajbmeb-1381	101	19	a	a	DET
ajbmeb-1381	101	20	person	person	NOUN
ajbmeb-1381	101	21	would	would	AUX
ajbmeb-1381	101	22	manage	manage	VERB
ajbmeb-1381	101	23	his	his	PRON
ajbmeb-1381	101	24	financial	financial	ADJ
ajbmeb-1381	101	25	resources	resource	NOUN
ajbmeb-1381	101	26	better	well	ADV
ajbmeb-1381	101	27	and	and	CCONJ
ajbmeb-1381	101	28	more	more	ADV
ajbmeb-1381	101	29	logically	logically	ADV
ajbmeb-1381	101	30	the	the	DET
ajbmeb-1381	101	31	more	more	ADV
ajbmeb-1381	101	32	comprehensive	comprehensive	ADJ
ajbmeb-1381	101	33	their	their	PRON
ajbmeb-1381	101	34	understanding	understanding	NOUN
ajbmeb-1381	101	35	of	of	ADP
ajbmeb-1381	101	36	financial	financial	ADJ
ajbmeb-1381	101	37	concepts	concept	NOUN
ajbmeb-1381	101	38	is	be	AUX
ajbmeb-1381	101	39	.	.	PUNCT
ajbmeb-1381	101	40	2021	2021	NUM
ajbmeb-1381	101	41	)	)	PUNCT
ajbmeb-1381	102	1	(	(	PUNCT
ajbmeb-1381	102	2	adiputra	adiputra	PROPN
ajbmeb-1381	102	3	et	et	PROPN
ajbmeb-1381	102	4	al	al	PROPN
ajbmeb-1381	102	5	.	.	PUNCT
ajbmeb-1381	103	1	the	the	DET
ajbmeb-1381	103	2	goal	goal	NOUN
ajbmeb-1381	103	3	of	of	ADP
ajbmeb-1381	103	4	this	this	DET
ajbmeb-1381	103	5	questionnaire	questionnaire	NOUN
ajbmeb-1381	103	6	,	,	PUNCT
ajbmeb-1381	103	7	which	which	PRON
ajbmeb-1381	103	8	considers	consider	VERB
ajbmeb-1381	103	9	personal	personal	ADJ
ajbmeb-1381	103	10	finance	finance	NOUN
ajbmeb-1381	103	11	knowledge	knowledge	NOUN
ajbmeb-1381	103	12	,	,	PUNCT
ajbmeb-1381	103	13	behaviours	behaviour	NOUN
ajbmeb-1381	103	14	,	,	PUNCT
ajbmeb-1381	103	15	and	and	CCONJ
ajbmeb-1381	103	16	attitudes	attitude	NOUN
ajbmeb-1381	103	17	,	,	PUNCT
ajbmeb-1381	103	18	is	be	AUX
ajbmeb-1381	103	19	to	to	PART
ajbmeb-1381	103	20	find	find	VERB
ajbmeb-1381	103	21	patterns	pattern	NOUN
ajbmeb-1381	103	22	and	and	CCONJ
ajbmeb-1381	103	23	distinctions	distinction	NOUN
ajbmeb-1381	103	24	in	in	ADP
ajbmeb-1381	103	25	the	the	DET
ajbmeb-1381	103	26	financial	financial	ADJ
ajbmeb-1381	103	27	literacy	literacy	NOUN
ajbmeb-1381	103	28	of	of	ADP
ajbmeb-1381	103	29	the	the	DET
ajbmeb-1381	103	30	study	study	NOUN
ajbmeb-1381	103	31	population	population	NOUN
ajbmeb-1381	103	32	.	.	PUNCT
ajbmeb-1381	104	1	it	it	PRON
ajbmeb-1381	104	2	is	be	AUX
ajbmeb-1381	104	3	now	now	ADV
ajbmeb-1381	104	4	being	be	AUX
ajbmeb-1381	104	5	american	american	ADJ
ajbmeb-1381	104	6	journal	journal	PROPN
ajbmeb-1381	104	7	of	of	ADP
ajbmeb-1381	104	8	business	business	NOUN
ajbmeb-1381	104	9	management	management	NOUN
ajbmeb-1381	104	10	,	,	PUNCT
ajbmeb-1381	104	11	economics	economic	NOUN
ajbmeb-1381	104	12	and	and	CCONJ
ajbmeb-1381	104	13	banking	banking	NOUN
ajbmeb-1381	104	14	volume	volume	NOUN
ajbmeb-1381	104	15	17	17	NUM
ajbmeb-1381	104	16	oct	oct	PROPN
ajbmeb-1381	104	17	.	.	PROPN
ajbmeb-1381	104	18	,	,	PUNCT
ajbmeb-1381	104	19	2023	2023	NUM
ajbmeb-1381	104	20	p	p	NOUN
ajbmeb-1381	104	21	a	a	PRON
ajbmeb-1381	104	22	g	g	NOUN
ajbmeb-1381	104	23	e	e	NOUN
ajbmeb-1381	104	24	|	|	ADV
ajbmeb-1381	104	25	96	96	NUM
ajbmeb-1381	104	26	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1381	104	27	trialled	trialle	VERB
ajbmeb-1381	104	28	at	at	ADP
ajbmeb-1381	104	29	two	two	NUM
ajbmeb-1381	104	30	colleges	college	NOUN
ajbmeb-1381	104	31	with	with	ADP
ajbmeb-1381	104	32	the	the	DET
ajbmeb-1381	104	33	hope	hope	NOUN
ajbmeb-1381	104	34	that	that	SCONJ
ajbmeb-1381	104	35	the	the	DET
ajbmeb-1381	104	36	finished	finish	VERB
ajbmeb-1381	104	37	survey	survey	NOUN
ajbmeb-1381	104	38	tool	tool	NOUN
ajbmeb-1381	104	39	would	would	AUX
ajbmeb-1381	104	40	serve	serve	VERB
ajbmeb-1381	104	41	as	as	ADP
ajbmeb-1381	104	42	a	a	DET
ajbmeb-1381	104	43	helpful	helpful	ADJ
ajbmeb-1381	104	44	resource	resource	NOUN
ajbmeb-1381	104	45	for	for	ADP
ajbmeb-1381	104	46	academics	academic	NOUN
ajbmeb-1381	104	47	,	,	PUNCT
ajbmeb-1381	104	48	policymakers	policymaker	NOUN
ajbmeb-1381	104	49	,	,	PUNCT
ajbmeb-1381	104	50	and	and	CCONJ
ajbmeb-1381	104	51	programme	programme	NOUN
ajbmeb-1381	104	52	designers	designer	NOUN
ajbmeb-1381	104	53	looking	look	VERB
ajbmeb-1381	104	54	to	to	PART
ajbmeb-1381	104	55	develop	develop	VERB
ajbmeb-1381	104	56	reliable	reliable	ADJ
ajbmeb-1381	104	57	questions	question	NOUN
ajbmeb-1381	104	58	to	to	PART
ajbmeb-1381	104	59	gauge	gauge	VERB
ajbmeb-1381	104	60	financial	financial	ADJ
ajbmeb-1381	104	61	literacy	literacy	NOUN
ajbmeb-1381	104	62	(	(	PUNCT
ajbmeb-1381	104	63	atkinson	atkinson	PROPN
ajbmeb-1381	104	64	and	and	CCONJ
ajbmeb-1381	104	65	messy	messy	ADJ
ajbmeb-1381	104	66	,	,	PUNCT
ajbmeb-1381	104	67	2011	2011	NUM
ajbmeb-1381	104	68	)	)	PUNCT
ajbmeb-1381	104	69	.	.	PUNCT
ajbmeb-1381	105	1	according	accord	VERB
ajbmeb-1381	105	2	to	to	ADP
ajbmeb-1381	105	3	research	research	NOUN
ajbmeb-1381	105	4	(	(	PUNCT
ajbmeb-1381	105	5	ceredo	ceredo	NOUN
ajbmeb-1381	105	6	et	et	PROPN
ajbmeb-1381	105	7	al	al	PROPN
ajbmeb-1381	105	8	.	.	PROPN
ajbmeb-1381	105	9	,	,	PUNCT
ajbmeb-1381	105	10	2013	2013	NUM
ajbmeb-1381	105	11	)	)	PUNCT
ajbmeb-1381	105	12	,	,	PUNCT
ajbmeb-1381	105	13	there	there	PRON
ajbmeb-1381	105	14	is	be	VERB
ajbmeb-1381	105	15	a	a	DET
ajbmeb-1381	105	16	significant	significant	ADJ
ajbmeb-1381	105	17	impact	impact	NOUN
ajbmeb-1381	105	18	of	of	ADP
ajbmeb-1381	105	19	financial	financial	ADJ
ajbmeb-1381	105	20	knowledge	knowledge	NOUN
ajbmeb-1381	105	21	on	on	ADP
ajbmeb-1381	105	22	financial	financial	ADJ
ajbmeb-1381	105	23	behaviour	behaviour	NOUN
ajbmeb-1381	105	24	.	.	PUNCT
ajbmeb-1381	106	1	the	the	DET
ajbmeb-1381	106	2	study	study	NOUN
ajbmeb-1381	106	3	concluded	conclude	VERB
ajbmeb-1381	106	4	that	that	SCONJ
ajbmeb-1381	106	5	if	if	SCONJ
ajbmeb-1381	106	6	knowledge	knowledge	NOUN
ajbmeb-1381	106	7	is	be	AUX
ajbmeb-1381	106	8	absorbed	absorb	VERB
ajbmeb-1381	106	9	in	in	ADP
ajbmeb-1381	106	10	financial	financial	ADJ
ajbmeb-1381	106	11	matters	matter	NOUN
ajbmeb-1381	106	12	,	,	PUNCT
ajbmeb-1381	106	13	it	it	PRON
ajbmeb-1381	106	14	can	can	AUX
ajbmeb-1381	106	15	result	result	VERB
ajbmeb-1381	106	16	in	in	ADP
ajbmeb-1381	106	17	acceptable	acceptable	ADJ
ajbmeb-1381	106	18	financial	financial	ADJ
ajbmeb-1381	106	19	behaviour	behaviour	NOUN
ajbmeb-1381	106	20	.	.	PUNCT
ajbmeb-1381	107	1	the	the	DET
ajbmeb-1381	107	2	research	research	NOUN
ajbmeb-1381	107	3	demonstrated	demonstrate	VERB
ajbmeb-1381	107	4	a	a	DET
ajbmeb-1381	107	5	positive	positive	ADJ
ajbmeb-1381	107	6	relationship	relationship	NOUN
ajbmeb-1381	107	7	between	between	ADP
ajbmeb-1381	107	8	financial	financial	ADJ
ajbmeb-1381	107	9	knowledge	knowledge	NOUN
ajbmeb-1381	107	10	and	and	CCONJ
ajbmeb-1381	107	11	behaviour	behaviour	NOUN
ajbmeb-1381	107	12	.	.	PUNCT
ajbmeb-1381	108	1	additionally	additionally	ADV
ajbmeb-1381	108	2	,	,	PUNCT
ajbmeb-1381	108	3	recent	recent	ADJ
ajbmeb-1381	108	4	research	research	NOUN
ajbmeb-1381	108	5	has	have	AUX
ajbmeb-1381	108	6	shown	show	VERB
ajbmeb-1381	108	7	that	that	DET
ajbmeb-1381	108	8	knowledge	knowledge	NOUN
ajbmeb-1381	108	9	according	accord	VERB
ajbmeb-1381	108	10	to	to	ADP
ajbmeb-1381	108	11	yong	yong	PROPN
ajbmeb-1381	108	12	et	et	PROPN
ajbmeb-1381	108	13	al	al	PROPN
ajbmeb-1381	108	14	.	.	PROPN
ajbmeb-1381	109	1	(	(	PUNCT
ajbmeb-1381	109	2	2018	2018	NUM
ajbmeb-1381	109	3	)	)	PUNCT
ajbmeb-1381	109	4	,	,	PUNCT
ajbmeb-1381	109	5	having	have	VERB
ajbmeb-1381	109	6	more	more	ADJ
ajbmeb-1381	109	7	money	money	NOUN
ajbmeb-1381	109	8	leads	lead	VERB
ajbmeb-1381	109	9	to	to	ADP
ajbmeb-1381	109	10	a	a	DET
ajbmeb-1381	109	11	higher	high	ADJ
ajbmeb-1381	109	12	degree	degree	NOUN
ajbmeb-1381	109	13	of	of	ADP
ajbmeb-1381	109	14	financial	financial	ADJ
ajbmeb-1381	109	15	behaviour	behaviour	NOUN
ajbmeb-1381	109	16	.	.	PUNCT
ajbmeb-1381	110	1	likewise	likewise	ADV
ajbmeb-1381	110	2	,	,	PUNCT
ajbmeb-1381	110	3	having	have	VERB
ajbmeb-1381	110	4	more	more	ADJ
ajbmeb-1381	110	5	objective	objective	ADJ
ajbmeb-1381	110	6	financial	financial	ADJ
ajbmeb-1381	110	7	information	information	NOUN
ajbmeb-1381	110	8	should	should	AUX
ajbmeb-1381	110	9	help	help	VERB
ajbmeb-1381	110	10	someone	someone	PRON
ajbmeb-1381	110	11	make	make	VERB
ajbmeb-1381	110	12	better	well	ADJ
ajbmeb-1381	110	13	financial	financial	ADJ
ajbmeb-1381	110	14	decisions	decision	NOUN
ajbmeb-1381	110	15	.	.	PUNCT
ajbmeb-1381	111	1	this	this	DET
ajbmeb-1381	111	2	practise	practise	NOUN
ajbmeb-1381	111	3	is	be	AUX
ajbmeb-1381	111	4	supported	support	VERB
ajbmeb-1381	111	5	by	by	ADP
ajbmeb-1381	111	6	empirical	empirical	ADJ
ajbmeb-1381	111	7	data	datum	NOUN
ajbmeb-1381	111	8	showing	show	VERB
ajbmeb-1381	111	9	a	a	DET
ajbmeb-1381	111	10	strong	strong	ADJ
ajbmeb-1381	111	11	relationship	relationship	NOUN
ajbmeb-1381	111	12	between	between	ADP
ajbmeb-1381	111	13	responsible	responsible	ADJ
ajbmeb-1381	111	14	financial	financial	ADJ
ajbmeb-1381	111	15	behaviour	behaviour	NOUN
ajbmeb-1381	111	16	and	and	CCONJ
ajbmeb-1381	111	17	objective	objective	ADJ
ajbmeb-1381	111	18	financial	financial	ADJ
ajbmeb-1381	111	19	understanding	understanding	NOUN
ajbmeb-1381	111	20	.	.	PUNCT
ajbmeb-1381	112	1	however	however	ADV
ajbmeb-1381	112	2	empirical	empirical	ADJ
ajbmeb-1381	112	3	research	research	NOUN
ajbmeb-1381	112	4	has	have	AUX
ajbmeb-1381	112	5	shown	show	VERB
ajbmeb-1381	112	6	that	that	SCONJ
ajbmeb-1381	112	7	increased	increase	VERB
ajbmeb-1381	112	8	objectivity	objectivity	NOUN
ajbmeb-1381	112	9	in	in	ADP
ajbmeb-1381	112	10	financial	financial	ADJ
ajbmeb-1381	112	11	knowledge	knowledge	NOUN
ajbmeb-1381	112	12	does	do	AUX
ajbmeb-1381	112	13	not	not	PART
ajbmeb-1381	112	14	always	always	ADV
ajbmeb-1381	112	15	translate	translate	VERB
ajbmeb-1381	112	16	into	into	ADP
ajbmeb-1381	112	17	moral	moral	ADJ
ajbmeb-1381	112	18	behaviour	behaviour	NOUN
ajbmeb-1381	112	19	.	.	PUNCT
ajbmeb-1381	113	1	that	that	PRON
ajbmeb-1381	113	2	is	be	AUX
ajbmeb-1381	113	3	,	,	PUNCT
ajbmeb-1381	113	4	although	although	SCONJ
ajbmeb-1381	113	5	objective	objective	ADJ
ajbmeb-1381	113	6	financial	financial	ADJ
ajbmeb-1381	113	7	information	information	NOUN
ajbmeb-1381	113	8	is	be	AUX
ajbmeb-1381	113	9	a	a	DET
ajbmeb-1381	113	10	crucial	crucial	ADJ
ajbmeb-1381	113	11	motivator	motivator	NOUN
ajbmeb-1381	113	12	for	for	ADP
ajbmeb-1381	113	13	developing	develop	VERB
ajbmeb-1381	113	14	appropriate	appropriate	ADJ
ajbmeb-1381	113	15	financial	financial	ADJ
ajbmeb-1381	113	16	behaviour	behaviour	NOUN
ajbmeb-1381	113	17	,	,	PUNCT
ajbmeb-1381	113	18	it	it	PRON
ajbmeb-1381	113	19	is	be	AUX
ajbmeb-1381	113	20	not	not	PART
ajbmeb-1381	113	21	sufficient	sufficient	ADJ
ajbmeb-1381	113	22	(	(	PUNCT
ajbmeb-1381	113	23	tang	tang	NOUN
ajbmeb-1381	113	24	and	and	CCONJ
ajbmeb-1381	113	25	baker	baker	PROPN
ajbmeb-1381	113	26	,	,	PUNCT
ajbmeb-1381	113	27	2016	2016	NUM
ajbmeb-1381	113	28	)	)	PUNCT
ajbmeb-1381	113	29	.	.	PUNCT
ajbmeb-1381	114	1	the	the	DET
ajbmeb-1381	114	2	practical	practical	ADJ
ajbmeb-1381	114	3	side	side	NOUN
ajbmeb-1381	114	4	:	:	PUNCT
ajbmeb-1381	114	5	the	the	DET
ajbmeb-1381	114	6	information	information	NOUN
ajbmeb-1381	114	7	was	be	AUX
ajbmeb-1381	114	8	obtained	obtain	VERB
ajbmeb-1381	114	9	from	from	ADP
ajbmeb-1381	114	10	a	a	DET
ajbmeb-1381	114	11	study	study	NOUN
ajbmeb-1381	114	12	of	of	ADP
ajbmeb-1381	114	13	a	a	DET
ajbmeb-1381	114	14	representative	representative	ADJ
ajbmeb-1381	114	15	sample	sample	NOUN
ajbmeb-1381	114	16	of	of	ADP
ajbmeb-1381	114	17	120	120	NUM
ajbmeb-1381	114	18	participants	participant	NOUN
ajbmeb-1381	114	19	who	who	PRON
ajbmeb-1381	114	20	were	be	AUX
ajbmeb-1381	114	21	dealers	dealer	NOUN
ajbmeb-1381	114	22	with	with	ADP
ajbmeb-1381	114	23	three	three	NUM
ajbmeb-1381	114	24	banks	bank	NOUN
ajbmeb-1381	114	25	—	—	PUNCT
ajbmeb-1381	114	26	al	al	PROPN
ajbmeb-1381	114	27	-	-	PUNCT
ajbmeb-1381	114	28	rasheed	rasheed	PROPN
ajbmeb-1381	114	29	bank	bank	PROPN
ajbmeb-1381	114	30	,	,	PUNCT
ajbmeb-1381	114	31	al	al	PROPN
ajbmeb-1381	114	32	-	-	PUNCT
ajbmeb-1381	114	33	rafidain	rafidain	PROPN
ajbmeb-1381	114	34	bank	bank	NOUN
ajbmeb-1381	114	35	,	,	PUNCT
ajbmeb-1381	114	36	and	and	CCONJ
ajbmeb-1381	114	37	the	the	DET
ajbmeb-1381	114	38	iraqi	iraqi	ADJ
ajbmeb-1381	114	39	trade	trade	PROPN
ajbmeb-1381	114	40	bank	bank	NOUN
ajbmeb-1381	114	41	—	—	PUNCT
ajbmeb-1381	114	42	and	and	CCONJ
ajbmeb-1381	114	43	two	two	NUM
ajbmeb-1381	114	44	colleges	college	NOUN
ajbmeb-1381	114	45	(	(	PUNCT
ajbmeb-1381	114	46	college	college	NOUN
ajbmeb-1381	114	47	of	of	ADP
ajbmeb-1381	114	48	administration	administration	NOUN
ajbmeb-1381	114	49	and	and	CCONJ
ajbmeb-1381	114	50	economics	economic	NOUN
ajbmeb-1381	114	51	,	,	PUNCT
ajbmeb-1381	114	52	university	university	NOUN
ajbmeb-1381	114	53	of	of	ADP
ajbmeb-1381	114	54	kufa	kufa	PROPN
ajbmeb-1381	114	55	,	,	PUNCT
ajbmeb-1381	114	56	and	and	CCONJ
ajbmeb-1381	114	57	imam	imam	PROPN
ajbmeb-1381	114	58	al	al	PROPN
ajbmeb-1381	114	59	-	-	PUNCT
ajbmeb-1381	114	60	kadhim	kadhim	PROPN
ajbmeb-1381	114	61	college	college	PROPN
ajbmeb-1381	114	62	,	,	PUNCT
ajbmeb-1381	114	63	najaf	najaf	PROPN
ajbmeb-1381	114	64	departments	department	NOUN
ajbmeb-1381	114	65	)	)	PUNCT
ajbmeb-1381	114	66	.	.	PUNCT
ajbmeb-1381	115	1	correlation	correlation	NOUN
ajbmeb-1381	115	2	analysis	analysis	NOUN
ajbmeb-1381	115	3	and	and	CCONJ
ajbmeb-1381	115	4	multiple	multiple	ADJ
ajbmeb-1381	115	5	regressions	regression	NOUN
ajbmeb-1381	115	6	are	be	AUX
ajbmeb-1381	115	7	used	use	VERB
ajbmeb-1381	115	8	to	to	PART
ajbmeb-1381	115	9	analyse	analyse	VERB
ajbmeb-1381	115	10	them	they	PRON
ajbmeb-1381	115	11	.	.	PUNCT
ajbmeb-1381	116	1	the	the	DET
ajbmeb-1381	116	2	findings	finding	NOUN
ajbmeb-1381	116	3	show	show	VERB
ajbmeb-1381	116	4	that	that	SCONJ
ajbmeb-1381	116	5	both	both	CCONJ
ajbmeb-1381	116	6	objective	objective	ADJ
ajbmeb-1381	116	7	and	and	CCONJ
ajbmeb-1381	116	8	subjective	subjective	ADJ
ajbmeb-1381	116	9	financial	financial	ADJ
ajbmeb-1381	116	10	knowledge	knowledge	NOUN
ajbmeb-1381	116	11	influence	influence	PROPN
ajbmeb-1381	116	12	financial	financial	ADJ
ajbmeb-1381	116	13	behaviour	behaviour	NOUN
ajbmeb-1381	116	14	,	,	PUNCT
ajbmeb-1381	116	15	with	with	ADP
ajbmeb-1381	116	16	a	a	DET
ajbmeb-1381	116	17	bigger	big	ADJ
ajbmeb-1381	116	18	proportional	proportional	ADJ
ajbmeb-1381	116	19	impact	impact	NOUN
ajbmeb-1381	116	20	on	on	ADP
ajbmeb-1381	116	21	self	self	NOUN
ajbmeb-1381	116	22	-	-	PUNCT
ajbmeb-1381	116	23	knowledge	knowledge	NOUN
ajbmeb-1381	116	24	.	.	PUNCT
ajbmeb-1381	117	1	financial	financial	ADJ
ajbmeb-1381	117	2	contentment	contentment	NOUN
ajbmeb-1381	117	3	,	,	PUNCT
ajbmeb-1381	117	4	income	income	NOUN
ajbmeb-1381	117	5	,	,	PUNCT
ajbmeb-1381	117	6	education	education	NOUN
ajbmeb-1381	117	7	,	,	PUNCT
ajbmeb-1381	117	8	age	age	NOUN
ajbmeb-1381	117	9	,	,	PUNCT
ajbmeb-1381	117	10	and	and	CCONJ
ajbmeb-1381	117	11	race	race	NOUN
ajbmeb-1381	117	12	are	be	AUX
ajbmeb-1381	117	13	other	other	ADJ
ajbmeb-1381	117	14	factors	factor	NOUN
ajbmeb-1381	117	15	that	that	PRON
ajbmeb-1381	117	16	significantly	significantly	ADV
ajbmeb-1381	117	17	affect	affect	VERB
ajbmeb-1381	117	18	financial	financial	ADJ
ajbmeb-1381	117	19	behaviour	behaviour	NOUN
ajbmeb-1381	117	20	.	.	PUNCT
ajbmeb-1381	118	1	the	the	DET
ajbmeb-1381	118	2	kind	kind	NOUN
ajbmeb-1381	118	3	and	and	CCONJ
ajbmeb-1381	118	4	intensity	intensity	NOUN
ajbmeb-1381	118	5	of	of	ADP
ajbmeb-1381	118	6	the	the	DET
ajbmeb-1381	118	7	link	link	NOUN
ajbmeb-1381	118	8	,	,	PUNCT
ajbmeb-1381	118	9	as	as	ADV
ajbmeb-1381	118	10	well	well	ADV
ajbmeb-1381	118	11	as	as	ADP
ajbmeb-1381	118	12	the	the	DET
ajbmeb-1381	118	13	degree	degree	NOUN
ajbmeb-1381	118	14	of	of	ADP
ajbmeb-1381	118	15	coherence	coherence	NOUN
ajbmeb-1381	118	16	and	and	CCONJ
ajbmeb-1381	118	17	the	the	DET
ajbmeb-1381	118	18	statement	statement	NOUN
ajbmeb-1381	118	19	of	of	ADP
ajbmeb-1381	118	20	changes	change	NOUN
ajbmeb-1381	118	21	between	between	ADP
ajbmeb-1381	118	22	them	they	PRON
ajbmeb-1381	118	23	and	and	CCONJ
ajbmeb-1381	118	24	their	their	PRON
ajbmeb-1381	118	25	effects	effect	NOUN
ajbmeb-1381	118	26	,	,	PUNCT
ajbmeb-1381	118	27	were	be	AUX
ajbmeb-1381	118	28	used	use	VERB
ajbmeb-1381	118	29	to	to	PART
ajbmeb-1381	118	30	assess	assess	VERB
ajbmeb-1381	118	31	the	the	DET
ajbmeb-1381	118	32	relationship	relationship	NOUN
ajbmeb-1381	118	33	between	between	ADP
ajbmeb-1381	118	34	the	the	DET
ajbmeb-1381	118	35	two	two	NUM
ajbmeb-1381	118	36	variables	variable	NOUN
ajbmeb-1381	118	37	financial	financial	ADJ
ajbmeb-1381	118	38	knowledge	knowledge	NOUN
ajbmeb-1381	118	39	and	and	CCONJ
ajbmeb-1381	118	40	financial	financial	ADJ
ajbmeb-1381	118	41	behaviour	behaviour	NOUN
ajbmeb-1381	118	42	.	.	PUNCT
ajbmeb-1381	119	1	it	it	PRON
ajbmeb-1381	119	2	was	be	AUX
ajbmeb-1381	119	3	found	find	VERB
ajbmeb-1381	119	4	that	that	SCONJ
ajbmeb-1381	119	5	there	there	PRON
ajbmeb-1381	119	6	is	be	VERB
ajbmeb-1381	119	7	a	a	DET
ajbmeb-1381	119	8	good	good	ADJ
ajbmeb-1381	119	9	relationship	relationship	NOUN
ajbmeb-1381	119	10	,	,	PUNCT
ajbmeb-1381	119	11	that	that	ADV
ajbmeb-1381	119	12	is	is	ADV
ajbmeb-1381	119	13	,	,	PUNCT
ajbmeb-1381	119	14	a	a	DET
ajbmeb-1381	119	15	correlation	correlation	NOUN
ajbmeb-1381	119	16	between	between	ADP
ajbmeb-1381	119	17	financial	financial	ADJ
ajbmeb-1381	119	18	knowledge	knowledge	NOUN
ajbmeb-1381	119	19	and	and	CCONJ
ajbmeb-1381	119	20	financial	financial	ADJ
ajbmeb-1381	119	21	behavior	behavior	NOUN
ajbmeb-1381	119	22	,	,	PUNCT
ajbmeb-1381	119	23	as	as	SCONJ
ajbmeb-1381	119	24	it	it	PRON
ajbmeb-1381	119	25	reached	reach	VERB
ajbmeb-1381	119	26	(	(	PUNCT
ajbmeb-1381	119	27	0.602	0.602	NUM
ajbmeb-1381	119	28	)	)	PUNCT
ajbmeb-1381	119	29	,	,	PUNCT
ajbmeb-1381	119	30	that	that	ADV
ajbmeb-1381	119	31	is	is	ADV
ajbmeb-1381	119	32	,	,	PUNCT
ajbmeb-1381	119	33	a	a	DET
ajbmeb-1381	119	34	consistent	consistent	ADJ
ajbmeb-1381	119	35	correlation	correlation	NOUN
ajbmeb-1381	119	36	at	at	ADP
ajbmeb-1381	119	37	a	a	DET
ajbmeb-1381	119	38	significant	significant	ADJ
ajbmeb-1381	119	39	coefficient	coefficient	NOUN
ajbmeb-1381	119	40	,	,	PUNCT
ajbmeb-1381	119	41	at	at	ADP
ajbmeb-1381	119	42	the	the	DET
ajbmeb-1381	119	43	level	level	NOUN
ajbmeb-1381	119	44	of	of	ADP
ajbmeb-1381	119	45	(	(	PUNCT
ajbmeb-1381	119	46	0.000	0.000	NUM
ajbmeb-1381	119	47	)	)	PUNCT
ajbmeb-1381	119	48	,	,	PUNCT
ajbmeb-1381	119	49	less	less	ADJ
ajbmeb-1381	119	50	than	than	ADP
ajbmeb-1381	119	51	(	(	PUNCT
ajbmeb-1381	119	52	0.05	0.05	NUM
ajbmeb-1381	119	53	)	)	PUNCT
ajbmeb-1381	119	54	,	,	PUNCT
ajbmeb-1381	119	55	there	there	PRON
ajbmeb-1381	119	56	are	be	VERB
ajbmeb-1381	119	57	differences	difference	NOUN
ajbmeb-1381	119	58	in	in	ADP
ajbmeb-1381	119	59	favor	favor	NOUN
ajbmeb-1381	119	60	of	of	ADP
ajbmeb-1381	119	61	financial	financial	ADJ
ajbmeb-1381	119	62	knowledge	knowledge	NOUN
ajbmeb-1381	119	63	,	,	PUNCT
ajbmeb-1381	119	64	and	and	CCONJ
ajbmeb-1381	119	65	the	the	DET
ajbmeb-1381	119	66	calculated	calculate	VERB
ajbmeb-1381	119	67	t	t	NOUN
ajbmeb-1381	119	68	reached	reach	VERB
ajbmeb-1381	119	69	(	(	PUNCT
ajbmeb-1381	119	70	8.121	8.121	NUM
ajbmeb-1381	119	71	)	)	PUNCT
ajbmeb-1381	119	72	higher	high	ADJ
ajbmeb-1381	119	73	than	than	ADP
ajbmeb-1381	119	74	the	the	DET
ajbmeb-1381	119	75	tabular	tabular	NOUN
ajbmeb-1381	119	76	one	one	NUM
ajbmeb-1381	119	77	,	,	PUNCT
ajbmeb-1381	119	78	as	as	ADP
ajbmeb-1381	119	79	for	for	ADP
ajbmeb-1381	119	80	the	the	DET
ajbmeb-1381	119	81	r2	r2	NOUN
ajbmeb-1381	119	82	,	,	PUNCT
ajbmeb-1381	119	83	as	as	SCONJ
ajbmeb-1381	119	84	the	the	DET
ajbmeb-1381	119	85	coefficient	coefficient	NOUN
ajbmeb-1381	119	86	of	of	ADP
ajbmeb-1381	119	87	the	the	DET
ajbmeb-1381	119	88	determination	determination	NOUN
ajbmeb-1381	119	89	reached	reach	VERB
ajbmeb-1381	119	90	(	(	PUNCT
ajbmeb-1381	119	91	0.36	0.36	NUM
ajbmeb-1381	119	92	)	)	PUNCT
ajbmeb-1381	119	93	,	,	PUNCT
ajbmeb-1381	119	94	that	that	ADV
ajbmeb-1381	119	95	is	is	ADV
ajbmeb-1381	119	96	,	,	PUNCT
ajbmeb-1381	119	97	the	the	DET
ajbmeb-1381	119	98	interpretation	interpretation	NOUN
ajbmeb-1381	119	99	of	of	ADP
ajbmeb-1381	119	100	(	(	PUNCT
ajbmeb-1381	119	101	r2	r2	PROPN
ajbmeb-1381	119	102	=	=	SYM
ajbmeb-1381	119	103	0.36	0.36	NUM
ajbmeb-1381	119	104	)	)	PUNCT
ajbmeb-1381	119	105	,	,	PUNCT
ajbmeb-1381	119	106	that	that	ADV
ajbmeb-1381	119	107	is	is	ADV
ajbmeb-1381	119	108	,	,	PUNCT
ajbmeb-1381	119	109	the	the	DET
ajbmeb-1381	119	110	knowledge	knowledge	NOUN
ajbmeb-1381	119	111	variable	variable	NOUN
ajbmeb-1381	119	112	explains	explain	VERB
ajbmeb-1381	119	113	the	the	DET
ajbmeb-1381	119	114	amount	amount	NOUN
ajbmeb-1381	119	115	(	(	PUNCT
ajbmeb-1381	119	116	0.36	0.36	NUM
ajbmeb-1381	119	117	)	)	PUNCT
ajbmeb-1381	119	118	of	of	ADP
ajbmeb-1381	119	119	financial	financial	ADJ
ajbmeb-1381	119	120	behavior	behavior	NOUN
ajbmeb-1381	119	121	and	and	CCONJ
ajbmeb-1381	119	122	the	the	DET
ajbmeb-1381	119	123	rest	rest	NOUN
ajbmeb-1381	119	124	of	of	ADP
ajbmeb-1381	119	125	the	the	DET
ajbmeb-1381	119	126	other	other	ADJ
ajbmeb-1381	119	127	variables	variable	NOUN
ajbmeb-1381	119	128	.	.	PUNCT
ajbmeb-1381	120	1	and	and	CCONJ
ajbmeb-1381	120	2	the	the	DET
ajbmeb-1381	120	3	level	level	NOUN
ajbmeb-1381	120	4	of	of	ADP
ajbmeb-1381	120	5	significance	significance	NOUN
ajbmeb-1381	120	6	(	(	PUNCT
ajbmeb-1381	120	7	0.000	0.000	NUM
ajbmeb-1381	120	8	)	)	PUNCT
ajbmeb-1381	120	9	of	of	ADP
ajbmeb-1381	120	10	the	the	DET
ajbmeb-1381	120	11	f	f	PROPN
ajbmeb-1381	120	12	test	test	NOUN
ajbmeb-1381	120	13	,	,	PUNCT
ajbmeb-1381	120	14	and	and	CCONJ
ajbmeb-1381	120	15	since	since	SCONJ
ajbmeb-1381	120	16	the	the	DET
ajbmeb-1381	120	17	value	value	NOUN
ajbmeb-1381	120	18	of	of	ADP
ajbmeb-1381	120	19	f	f	PROPN
ajbmeb-1381	120	20	is	be	AUX
ajbmeb-1381	120	21	(	(	PUNCT
ajbmeb-1381	120	22	64.755	64.755	NUM
ajbmeb-1381	120	23	)	)	PUNCT
ajbmeb-1381	120	24	higher	high	ADJ
ajbmeb-1381	120	25	than	than	ADP
ajbmeb-1381	120	26	its	its	PRON
ajbmeb-1381	120	27	tabular	tabular	NOUN
ajbmeb-1381	120	28	value	value	NOUN
ajbmeb-1381	120	29	,	,	PUNCT
ajbmeb-1381	120	30	the	the	DET
ajbmeb-1381	120	31	hypothesis	hypothesis	NOUN
ajbmeb-1381	120	32	is	be	AUX
ajbmeb-1381	120	33	accepted	accept	VERB
ajbmeb-1381	120	34	,	,	PUNCT
ajbmeb-1381	120	35	which	which	PRON
ajbmeb-1381	120	36	is	be	AUX
ajbmeb-1381	120	37	the	the	DET
ajbmeb-1381	120	38	existence	existence	NOUN
ajbmeb-1381	120	39	of	of	ADP
ajbmeb-1381	120	40	a	a	DET
ajbmeb-1381	120	41	correlated	correlate	VERB
ajbmeb-1381	120	42	and	and	CCONJ
ajbmeb-1381	120	43	logical	logical	ADJ
ajbmeb-1381	120	44	relationship	relationship	NOUN
ajbmeb-1381	120	45	between	between	ADP
ajbmeb-1381	120	46	the	the	DET
ajbmeb-1381	120	47	dependent	dependent	ADJ
ajbmeb-1381	120	48	variable	variable	NOUN
ajbmeb-1381	120	49	and	and	CCONJ
ajbmeb-1381	120	50	the	the	DET
ajbmeb-1381	120	51	independent	independent	ADJ
ajbmeb-1381	120	52	variable	variable	NOUN
ajbmeb-1381	120	53	,	,	PUNCT
ajbmeb-1381	120	54	as	as	ADP
ajbmeb-1381	120	55	for	for	ADP
ajbmeb-1381	120	56	the	the	DET
ajbmeb-1381	120	57	effect	effect	NOUN
ajbmeb-1381	120	58	relationship	relationship	NOUN
ajbmeb-1381	120	59	,	,	PUNCT
ajbmeb-1381	120	60	we	we	PRON
ajbmeb-1381	120	61	find	find	VERB
ajbmeb-1381	120	62	that	that	SCONJ
ajbmeb-1381	120	63	financial	financial	ADJ
ajbmeb-1381	120	64	knowledge	knowledge	NOUN
ajbmeb-1381	120	65	has	have	VERB
ajbmeb-1381	120	66	a	a	DET
ajbmeb-1381	120	67	direct	direct	ADJ
ajbmeb-1381	120	68	effect	effect	NOUN
ajbmeb-1381	120	69	of	of	ADP
ajbmeb-1381	120	70	(	(	PUNCT
ajbmeb-1381	120	71	1.912	1.912	NUM
ajbmeb-1381	120	72	)	)	PUNCT
ajbmeb-1381	120	73	on	on	ADP
ajbmeb-1381	120	74	financial	financial	ADJ
ajbmeb-1381	120	75	behavior	behavior	NOUN
ajbmeb-1381	120	76	,	,	PUNCT
ajbmeb-1381	120	77	and	and	CCONJ
ajbmeb-1381	120	78	this	this	PRON
ajbmeb-1381	120	79	indicates	indicate	VERB
ajbmeb-1381	120	80	a	a	DET
ajbmeb-1381	120	81	strong	strong	ADJ
ajbmeb-1381	120	82	influence	influence	NOUN
ajbmeb-1381	120	83	of	of	ADP
ajbmeb-1381	120	84	changes	change	NOUN
ajbmeb-1381	120	85	in	in	ADP
ajbmeb-1381	120	86	the	the	DET
ajbmeb-1381	120	87	first	first	ADJ
ajbmeb-1381	120	88	variable	variable	NOUN
ajbmeb-1381	120	89	and	and	CCONJ
ajbmeb-1381	120	90	their	their	PRON
ajbmeb-1381	120	91	impact	impact	NOUN
ajbmeb-1381	120	92	on	on	ADP
ajbmeb-1381	120	93	the	the	DET
ajbmeb-1381	120	94	second	second	ADJ
ajbmeb-1381	120	95	variable	variable	NOUN
ajbmeb-1381	120	96	,	,	PUNCT
ajbmeb-1381	120	97	so	so	CCONJ
ajbmeb-1381	120	98	the	the	DET
ajbmeb-1381	120	99	third	third	ADJ
ajbmeb-1381	120	100	hypothesis	hypothesis	NOUN
ajbmeb-1381	120	101	was	be	AUX
ajbmeb-1381	120	102	accepted	accept	VERB
ajbmeb-1381	120	103	that	that	SCONJ
ajbmeb-1381	120	104	there	there	PRON
ajbmeb-1381	120	105	is	be	VERB
ajbmeb-1381	120	106	a	a	DET
ajbmeb-1381	120	107	relationship	relationship	NOUN
ajbmeb-1381	120	108	between	between	ADP
ajbmeb-1381	120	109	financial	financial	ADJ
ajbmeb-1381	120	110	knowledge	knowledge	NOUN
ajbmeb-1381	120	111	and	and	CCONJ
ajbmeb-1381	120	112	financial	financial	ADJ
ajbmeb-1381	120	113	behavior	behavior	NOUN
ajbmeb-1381	120	114	.	.	PUNCT
ajbmeb-1381	121	1	american	american	PROPN
ajbmeb-1381	121	2	journal	journal	PROPN
ajbmeb-1381	121	3	of	of	ADP
ajbmeb-1381	121	4	business	business	NOUN
ajbmeb-1381	121	5	management	management	NOUN
ajbmeb-1381	121	6	,	,	PUNCT
ajbmeb-1381	121	7	economics	economic	NOUN
ajbmeb-1381	121	8	and	and	CCONJ
ajbmeb-1381	121	9	banking	banking	NOUN
ajbmeb-1381	121	10	volume	volume	NOUN
ajbmeb-1381	121	11	17	17	NUM
ajbmeb-1381	121	12	oct	oct	PROPN
ajbmeb-1381	121	13	.	.	PROPN
ajbmeb-1381	121	14	,	,	PUNCT
ajbmeb-1381	121	15	2023	2023	NUM
ajbmeb-1381	121	16	p	p	NOUN
ajbmeb-1381	121	17	a	a	DET
ajbmeb-1381	121	18	g	g	NOUN
ajbmeb-1381	121	19	e	e	NOUN
ajbmeb-1381	121	20	|	|	ADV
ajbmeb-1381	121	21	97	97	NUM
ajbmeb-1381	121	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1381	121	23	table	table	NOUN
ajbmeb-1381	121	24	(	(	PUNCT
ajbmeb-1381	121	25	1	1	X
ajbmeb-1381	121	26	)	)	PUNCT
ajbmeb-1381	121	27	statistical	statistical	ADJ
ajbmeb-1381	121	28	relationships	relationship	NOUN
ajbmeb-1381	121	29	source	source	NOUN
ajbmeb-1381	121	30	:	:	PUNCT
ajbmeb-1381	121	31	preparation	preparation	NOUN
ajbmeb-1381	121	32	of	of	ADP
ajbmeb-1381	121	33	researchers	researcher	NOUN
ajbmeb-1381	121	34	according	accord	VERB
ajbmeb-1381	121	35	to	to	ADP
ajbmeb-1381	121	36	the	the	DET
ajbmeb-1381	121	37	outputs	output	NOUN
ajbmeb-1381	121	38	of	of	ADP
ajbmeb-1381	121	39	the	the	DET
ajbmeb-1381	121	40	spss	spss	PROPN
ajbmeb-1381	121	41	23	23	NUM
ajbmeb-1381	121	42	program	program	NOUN
ajbmeb-1381	121	43	.	.	PUNCT
ajbmeb-1381	122	1	concerning	concern	VERB
ajbmeb-1381	122	2	figure	figure	NOUN
ajbmeb-1381	122	3	(	(	PUNCT
ajbmeb-1381	122	4	1	1	NUM
ajbmeb-1381	122	5	)	)	PUNCT
ajbmeb-1381	122	6	represents	represent	VERB
ajbmeb-1381	122	7	the	the	DET
ajbmeb-1381	122	8	relationship	relationship	NOUN
ajbmeb-1381	122	9	between	between	ADP
ajbmeb-1381	122	10	financial	financial	ADJ
ajbmeb-1381	122	11	knowledge	knowledge	NOUN
ajbmeb-1381	122	12	and	and	CCONJ
ajbmeb-1381	122	13	financial	financial	ADJ
ajbmeb-1381	122	14	behavior	behavior	NOUN
ajbmeb-1381	122	15	,	,	PUNCT
ajbmeb-1381	122	16	which	which	PRON
ajbmeb-1381	122	17	shows	show	VERB
ajbmeb-1381	122	18	the	the	DET
ajbmeb-1381	122	19	greater	great	ADJ
ajbmeb-1381	122	20	the	the	DET
ajbmeb-1381	122	21	financial	financial	ADJ
ajbmeb-1381	122	22	knowledge	knowledge	NOUN
ajbmeb-1381	122	23	of	of	ADP
ajbmeb-1381	122	24	individuals	individual	NOUN
ajbmeb-1381	122	25	and	and	CCONJ
ajbmeb-1381	122	26	how	how	SCONJ
ajbmeb-1381	122	27	to	to	PART
ajbmeb-1381	122	28	manage	manage	VERB
ajbmeb-1381	122	29	money	money	NOUN
ajbmeb-1381	122	30	,	,	PUNCT
ajbmeb-1381	122	31	the	the	DET
ajbmeb-1381	122	32	more	more	ADJ
ajbmeb-1381	122	33	impact	impact	NOUN
ajbmeb-1381	122	34	directly	directly	ADV
ajbmeb-1381	122	35	on	on	ADP
ajbmeb-1381	122	36	their	their	PRON
ajbmeb-1381	122	37	financial	financial	ADJ
ajbmeb-1381	122	38	behavior	behavior	NOUN
ajbmeb-1381	122	39	.	.	PUNCT
ajbmeb-1381	123	1	by	by	ADP
ajbmeb-1381	123	2	observing	observe	VERB
ajbmeb-1381	123	3	the	the	DET
ajbmeb-1381	123	4	figure	figure	NOUN
ajbmeb-1381	123	5	,	,	PUNCT
ajbmeb-1381	123	6	we	we	PRON
ajbmeb-1381	123	7	find	find	VERB
ajbmeb-1381	123	8	that	that	SCONJ
ajbmeb-1381	123	9	with	with	ADP
ajbmeb-1381	123	10	the	the	DET
ajbmeb-1381	123	11	increase	increase	NOUN
ajbmeb-1381	123	12	in	in	ADP
ajbmeb-1381	123	13	financial	financial	ADJ
ajbmeb-1381	123	14	knowledge	knowledge	NOUN
ajbmeb-1381	123	15	,	,	PUNCT
ajbmeb-1381	123	16	the	the	DET
ajbmeb-1381	123	17	change	change	NOUN
ajbmeb-1381	123	18	in	in	ADP
ajbmeb-1381	123	19	financial	financial	ADJ
ajbmeb-1381	123	20	behavior	behavior	NOUN
ajbmeb-1381	123	21	increases	increase	VERB
ajbmeb-1381	123	22	unevenly	unevenly	ADV
ajbmeb-1381	123	23	,	,	PUNCT
ajbmeb-1381	123	24	but	but	CCONJ
ajbmeb-1381	123	25	in	in	ADP
ajbmeb-1381	123	26	the	the	DET
ajbmeb-1381	123	27	end	end	NOUN
ajbmeb-1381	123	28	,	,	PUNCT
ajbmeb-1381	123	29	it	it	PRON
ajbmeb-1381	123	30	is	be	AUX
ajbmeb-1381	123	31	directly	directly	ADV
ajbmeb-1381	123	32	related	relate	VERB
ajbmeb-1381	123	33	to	to	ADP
ajbmeb-1381	123	34	the	the	DET
ajbmeb-1381	123	35	strength	strength	NOUN
ajbmeb-1381	123	36	of	of	ADP
ajbmeb-1381	123	37	financial	financial	ADJ
ajbmeb-1381	123	38	knowledge	knowledge	NOUN
ajbmeb-1381	123	39	he	he	PRON
ajbmeb-1381	123	40	has	have	VERB
ajbmeb-1381	123	41	.	.	PUNCT
ajbmeb-1381	124	1	source	source	NOUN
ajbmeb-1381	124	2	:	:	PUNCT
ajbmeb-1381	124	3	preparation	preparation	NOUN
ajbmeb-1381	124	4	of	of	ADP
ajbmeb-1381	124	5	researchers	researcher	NOUN
ajbmeb-1381	124	6	according	accord	VERB
ajbmeb-1381	124	7	to	to	ADP
ajbmeb-1381	124	8	the	the	DET
ajbmeb-1381	124	9	outputs	output	NOUN
ajbmeb-1381	124	10	of	of	ADP
ajbmeb-1381	124	11	the	the	DET
ajbmeb-1381	124	12	spss	spss	PROPN
ajbmeb-1381	124	13	23	23	NUM
ajbmeb-1381	124	14	program	program	NOUN
ajbmeb-1381	124	15	.	.	PUNCT
ajbmeb-1381	125	1	concerning	concern	VERB
ajbmeb-1381	125	2	figure	figure	NOUN
ajbmeb-1381	125	3	(	(	PUNCT
ajbmeb-1381	125	4	2	2	NUM
ajbmeb-1381	125	5	)	)	PUNCT
ajbmeb-1381	125	6	,	,	PUNCT
ajbmeb-1381	125	7	which	which	PRON
ajbmeb-1381	125	8	shows	show	VERB
ajbmeb-1381	125	9	the	the	DET
ajbmeb-1381	125	10	strength	strength	NOUN
ajbmeb-1381	125	11	of	of	ADP
ajbmeb-1381	125	12	the	the	DET
ajbmeb-1381	125	13	spread	spread	NOUN
ajbmeb-1381	125	14	of	of	ADP
ajbmeb-1381	125	15	knowledge	knowledge	NOUN
ajbmeb-1381	125	16	and	and	CCONJ
ajbmeb-1381	125	17	the	the	DET
ajbmeb-1381	125	18	strength	strength	NOUN
ajbmeb-1381	125	19	of	of	ADP
ajbmeb-1381	125	20	its	its	PRON
ajbmeb-1381	125	21	association	association	NOUN
ajbmeb-1381	125	22	with	with	ADP
ajbmeb-1381	125	23	financial	financial	ADJ
ajbmeb-1381	125	24	behavior	behavior	NOUN
ajbmeb-1381	125	25	through	through	ADP
ajbmeb-1381	125	26	the	the	DET
ajbmeb-1381	125	27	general	general	ADJ
ajbmeb-1381	125	28	trend	trend	NOUN
ajbmeb-1381	125	29	line	line	NOUN
ajbmeb-1381	125	30	,	,	PUNCT
ajbmeb-1381	125	31	we	we	PRON
ajbmeb-1381	125	32	find	find	VERB
ajbmeb-1381	125	33	that	that	SCONJ
ajbmeb-1381	125	34	the	the	DET
ajbmeb-1381	125	35	increase	increase	NOUN
ajbmeb-1381	125	36	in	in	ADP
ajbmeb-1381	125	37	financial	financial	ADJ
ajbmeb-1381	125	38	knowledge	knowledge	NOUN
ajbmeb-1381	125	39	among	among	ADP
ajbmeb-1381	125	40	individuals	individual	NOUN
ajbmeb-1381	125	41	dealing	deal	VERB
ajbmeb-1381	125	42	with	with	ADP
ajbmeb-1381	125	43	banks	bank	NOUN
ajbmeb-1381	125	44	increasingly	increasingly	ADV
ajbmeb-1381	125	45	affects	affect	VERB
ajbmeb-1381	125	46	financial	financial	ADJ
ajbmeb-1381	125	47	safety	safety	NOUN
ajbmeb-1381	125	48	through	through	ADP
ajbmeb-1381	125	49	how	how	SCONJ
ajbmeb-1381	125	50	to	to	PART
ajbmeb-1381	125	51	use	use	VERB
ajbmeb-1381	125	52	rational	rational	ADJ
ajbmeb-1381	125	53	behavior	behavior	NOUN
ajbmeb-1381	125	54	in	in	ADP
ajbmeb-1381	125	55	money	money	NOUN
ajbmeb-1381	125	56	management	management	NOUN
ajbmeb-1381	125	57	and	and	CCONJ
ajbmeb-1381	125	58	how	how	SCONJ
ajbmeb-1381	125	59	to	to	PART
ajbmeb-1381	125	60	dispose	dispose	VERB
ajbmeb-1381	125	61	of	of	ADP
ajbmeb-1381	125	62	it	it	PRON
ajbmeb-1381	125	63	,	,	PUNCT
ajbmeb-1381	125	64	and	and	CCONJ
ajbmeb-1381	125	65	at	at	ADP
ajbmeb-1381	125	66	the	the	DET
ajbmeb-1381	125	67	third	third	ADJ
ajbmeb-1381	125	68	stage	stage	NOUN
ajbmeb-1381	125	69	in	in	ADP
ajbmeb-1381	125	70	the	the	DET
ajbmeb-1381	125	71	form	form	NOUN
ajbmeb-1381	125	72	,	,	PUNCT
ajbmeb-1381	125	73	we	we	PRON
ajbmeb-1381	125	74	find	find	VERB
ajbmeb-1381	125	75	that	that	SCONJ
ajbmeb-1381	125	76	the	the	DET
ajbmeb-1381	125	77	increase	increase	NOUN
ajbmeb-1381	125	78	in	in	ADP
ajbmeb-1381	125	79	financial	financial	ADJ
ajbmeb-1381	125	80	knowledge	knowledge	NOUN
ajbmeb-1381	125	81	led	lead	VERB
ajbmeb-1381	125	82	to	to	ADP
ajbmeb-1381	125	83	stability	stability	NOUN
ajbmeb-1381	125	84	or	or	CCONJ
ajbmeb-1381	125	85	balance	balance	NOUN
ajbmeb-1381	125	86	in	in	ADP
ajbmeb-1381	125	87	the	the	DET
ajbmeb-1381	125	88	financial	financial	ADJ
ajbmeb-1381	125	89	behavior	behavior	NOUN
ajbmeb-1381	125	90	of	of	ADP
ajbmeb-1381	125	91	the	the	DET
ajbmeb-1381	125	92	research	research	NOUN
ajbmeb-1381	125	93	sample	sample	NOUN
ajbmeb-1381	125	94	.	.	PUNCT
ajbmeb-1381	126	1	financial	financial	ADJ
ajbmeb-1381	126	2	knowledge	knowledge	NOUN
ajbmeb-1381	126	3	b	b	NOUN
ajbmeb-1381	126	4	r	r	NOUN
ajbmeb-1381	126	5	r	r	NOUN
ajbmeb-1381	126	6	square	square	ADJ
ajbmeb-1381	126	7	adjusted	adjust	VERB
ajbmeb-1381	126	8	r	r	NOUN
ajbmeb-1381	126	9	square	square	PROPN
ajbmeb-1381	126	10	f	f	PROPN
ajbmeb-1381	126	11	sig	sig	PROPN
ajbmeb-1381	126	12	.	.	PROPN
ajbmeb-1381	127	1	t	t	PROPN
ajbmeb-1381	127	2	sig	sig	PROPN
ajbmeb-1381	127	3	.	.	PUNCT
ajbmeb-1381	128	1	financial	financial	ADJ
ajbmeb-1381	128	2	behavior	behavior	NOUN
ajbmeb-1381	128	3	1.912	1.912	NUM
ajbmeb-1381	128	4	.602	.602	NUM
ajbmeb-1381	128	5	*	*	PUNCT
ajbmeb-1381	129	1	*	*	PUNCT
ajbmeb-1381	129	2	.362	.362	NUM
ajbmeb-1381	129	3	.357	.357	NUM
ajbmeb-1381	129	4	64.755	64.755	NUM
ajbmeb-1381	129	5	.000b	.000b	PROPN
ajbmeb-1381	130	1	8.121	8.121	NUM
ajbmeb-1381	130	2	.000	.000	NUM
ajbmeb-1381	130	3	n	n	NUM
ajbmeb-1381	130	4	116	116	NUM
ajbmeb-1381	130	5	.522	.522	NUM
ajbmeb-1381	130	6	8.047	8.047	NUM
ajbmeb-1381	130	7	.000	.000	NUM
ajbmeb-1381	130	8	american	american	ADJ
ajbmeb-1381	130	9	journal	journal	PROPN
ajbmeb-1381	130	10	of	of	ADP
ajbmeb-1381	130	11	business	business	NOUN
ajbmeb-1381	130	12	management	management	NOUN
ajbmeb-1381	130	13	,	,	PUNCT
ajbmeb-1381	130	14	economics	economic	NOUN
ajbmeb-1381	130	15	and	and	CCONJ
ajbmeb-1381	130	16	banking	banking	NOUN
ajbmeb-1381	130	17	volume	volume	NOUN
ajbmeb-1381	130	18	17	17	NUM
ajbmeb-1381	130	19	oct	oct	PROPN
ajbmeb-1381	130	20	.	.	PROPN
ajbmeb-1381	130	21	,	,	PUNCT
ajbmeb-1381	130	22	2023	2023	NUM
ajbmeb-1381	130	23	p	p	NOUN
ajbmeb-1381	130	24	a	a	DET
ajbmeb-1381	130	25	g	g	NOUN
ajbmeb-1381	130	26	e	e	NOUN
ajbmeb-1381	130	27	|	|	ADV
ajbmeb-1381	130	28	98	98	NUM
ajbmeb-1381	130	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1381	130	30	source	source	NOUN
ajbmeb-1381	130	31	:	:	PUNCT
ajbmeb-1381	130	32	preparation	preparation	NOUN
ajbmeb-1381	130	33	of	of	ADP
ajbmeb-1381	130	34	researchers	researcher	NOUN
ajbmeb-1381	130	35	according	accord	VERB
ajbmeb-1381	130	36	to	to	ADP
ajbmeb-1381	130	37	the	the	DET
ajbmeb-1381	130	38	outputs	output	NOUN
ajbmeb-1381	130	39	of	of	ADP
ajbmeb-1381	130	40	the	the	DET
ajbmeb-1381	130	41	spss	spss	PROPN
ajbmeb-1381	130	42	23	23	NUM
ajbmeb-1381	130	43	program	program	NOUN
ajbmeb-1381	130	44	.	.	PUNCT
ajbmeb-1381	131	1	results	result	NOUN
ajbmeb-1381	131	2	and	and	CCONJ
ajbmeb-1381	131	3	discussion	discussion	NOUN
ajbmeb-1381	131	4	:	:	PUNCT
ajbmeb-1381	131	5	this	this	DET
ajbmeb-1381	131	6	finding	finding	NOUN
ajbmeb-1381	131	7	suggests	suggest	VERB
ajbmeb-1381	131	8	that	that	SCONJ
ajbmeb-1381	131	9	persons	person	NOUN
ajbmeb-1381	131	10	who	who	PRON
ajbmeb-1381	131	11	practise	practise	VERB
ajbmeb-1381	131	12	good	good	ADJ
ajbmeb-1381	131	13	financial	financial	ADJ
ajbmeb-1381	131	14	habits	habit	NOUN
ajbmeb-1381	131	15	tend	tend	VERB
ajbmeb-1381	131	16	to	to	PART
ajbmeb-1381	131	17	relax	relax	VERB
ajbmeb-1381	131	18	more	more	ADJ
ajbmeb-1381	131	19	while	while	SCONJ
ajbmeb-1381	131	20	improving	improve	VERB
ajbmeb-1381	131	21	their	their	PRON
ajbmeb-1381	131	22	financial	financial	ADJ
ajbmeb-1381	131	23	behaviour	behaviour	NOUN
ajbmeb-1381	131	24	,	,	PUNCT
ajbmeb-1381	131	25	which	which	PRON
ajbmeb-1381	131	26	is	be	AUX
ajbmeb-1381	131	27	one	one	NUM
ajbmeb-1381	131	28	of	of	ADP
ajbmeb-1381	131	29	the	the	DET
ajbmeb-1381	131	30	most	most	ADV
ajbmeb-1381	131	31	significant	significant	ADJ
ajbmeb-1381	131	32	financial	financial	ADJ
ajbmeb-1381	131	33	management	management	NOUN
ajbmeb-1381	131	34	challenges	challenge	NOUN
ajbmeb-1381	131	35	in	in	ADP
ajbmeb-1381	131	36	society	society	NOUN
ajbmeb-1381	131	37	.	.	PUNCT
ajbmeb-1381	132	1	good	good	ADJ
ajbmeb-1381	132	2	financial	financial	ADJ
ajbmeb-1381	132	3	behaviour	behaviour	NOUN
ajbmeb-1381	132	4	,	,	PUNCT
ajbmeb-1381	132	5	good	good	ADJ
ajbmeb-1381	132	6	financial	financial	ADJ
ajbmeb-1381	132	7	knowledge	knowledge	NOUN
ajbmeb-1381	132	8	,	,	PUNCT
ajbmeb-1381	132	9	and	and	CCONJ
ajbmeb-1381	132	10	effective	effective	ADJ
ajbmeb-1381	132	11	stress	stress	NOUN
ajbmeb-1381	132	12	management	management	NOUN
ajbmeb-1381	132	13	may	may	AUX
ajbmeb-1381	132	14	all	all	ADV
ajbmeb-1381	132	15	enhance	enhance	VERB
ajbmeb-1381	132	16	one	one	NUM
ajbmeb-1381	132	17	's	's	PART
ajbmeb-1381	132	18	financial	financial	ADJ
ajbmeb-1381	132	19	well	well	NOUN
ajbmeb-1381	132	20	-	-	PUNCT
ajbmeb-1381	132	21	being	being	NOUN
ajbmeb-1381	132	22	.	.	PUNCT
ajbmeb-1381	133	1	this	this	DET
ajbmeb-1381	133	2	research	research	NOUN
ajbmeb-1381	133	3	provides	provide	VERB
ajbmeb-1381	133	4	some	some	DET
ajbmeb-1381	133	5	information	information	NOUN
ajbmeb-1381	133	6	and	and	CCONJ
ajbmeb-1381	133	7	useful	useful	ADJ
ajbmeb-1381	133	8	applications	application	NOUN
ajbmeb-1381	133	9	.	.	PUNCT
ajbmeb-1381	134	1	financial	financial	ADJ
ajbmeb-1381	134	2	behaviour	behaviour	NOUN
ajbmeb-1381	134	3	is	be	AUX
ajbmeb-1381	134	4	a	a	DET
ajbmeb-1381	134	5	crucial	crucial	ADJ
ajbmeb-1381	134	6	component	component	NOUN
ajbmeb-1381	134	7	of	of	ADP
ajbmeb-1381	134	8	the	the	DET
ajbmeb-1381	134	9	elements	element	NOUN
ajbmeb-1381	134	10	that	that	PRON
ajbmeb-1381	134	11	contribute	contribute	VERB
ajbmeb-1381	134	12	to	to	ADP
ajbmeb-1381	134	13	financial	financial	ADJ
ajbmeb-1381	134	14	well	well	NOUN
ajbmeb-1381	134	15	-	-	PUNCT
ajbmeb-1381	134	16	being	being	NOUN
ajbmeb-1381	134	17	,	,	PUNCT
ajbmeb-1381	134	18	followed	follow	VERB
ajbmeb-1381	134	19	by	by	ADP
ajbmeb-1381	134	20	stress	stress	NOUN
ajbmeb-1381	134	21	and	and	CCONJ
ajbmeb-1381	134	22	literacy	literacy	NOUN
ajbmeb-1381	134	23	in	in	ADP
ajbmeb-1381	134	24	assuring	assure	VERB
ajbmeb-1381	134	25	the	the	DET
ajbmeb-1381	134	26	financial	financial	ADJ
ajbmeb-1381	134	27	security	security	NOUN
ajbmeb-1381	134	28	of	of	ADP
ajbmeb-1381	134	29	low	low	ADJ
ajbmeb-1381	134	30	-	-	PUNCT
ajbmeb-1381	134	31	income	income	NOUN
ajbmeb-1381	134	32	members	member	NOUN
ajbmeb-1381	134	33	of	of	ADP
ajbmeb-1381	134	34	society	society	NOUN
ajbmeb-1381	134	35	.	.	PUNCT
ajbmeb-1381	135	1	even	even	ADV
ajbmeb-1381	135	2	though	though	SCONJ
ajbmeb-1381	135	3	individuals	individual	NOUN
ajbmeb-1381	135	4	with	with	ADP
ajbmeb-1381	135	5	low	low	ADJ
ajbmeb-1381	135	6	salaries	salary	NOUN
ajbmeb-1381	135	7	often	often	ADV
ajbmeb-1381	135	8	struggle	struggle	VERB
ajbmeb-1381	135	9	to	to	PART
ajbmeb-1381	135	10	fulfil	fulfil	VERB
ajbmeb-1381	135	11	their	their	PRON
ajbmeb-1381	135	12	fundamental	fundamental	ADJ
ajbmeb-1381	135	13	necessities	necessity	NOUN
ajbmeb-1381	135	14	to	to	PART
ajbmeb-1381	135	15	assure	assure	VERB
ajbmeb-1381	135	16	financial	financial	ADJ
ajbmeb-1381	135	17	well	well	NOUN
ajbmeb-1381	135	18	-	-	PUNCT
ajbmeb-1381	135	19	being	being	NOUN
ajbmeb-1381	135	20	,	,	PUNCT
ajbmeb-1381	135	21	it	it	PRON
ajbmeb-1381	135	22	is	be	AUX
ajbmeb-1381	135	23	very	very	ADV
ajbmeb-1381	135	24	important	important	ADJ
ajbmeb-1381	135	25	to	to	PART
ajbmeb-1381	135	26	have	have	VERB
ajbmeb-1381	135	27	a	a	DET
ajbmeb-1381	135	28	basic	basic	ADJ
ajbmeb-1381	135	29	awareness	awareness	NOUN
ajbmeb-1381	135	30	of	of	ADP
ajbmeb-1381	135	31	income	income	NOUN
ajbmeb-1381	135	32	,	,	PUNCT
ajbmeb-1381	135	33	spending	spending	NOUN
ajbmeb-1381	135	34	,	,	PUNCT
ajbmeb-1381	135	35	and	and	CCONJ
ajbmeb-1381	135	36	savings	saving	NOUN
ajbmeb-1381	135	37	patterns	pattern	NOUN
ajbmeb-1381	135	38	since	since	SCONJ
ajbmeb-1381	135	39	this	this	PRON
ajbmeb-1381	135	40	may	may	AUX
ajbmeb-1381	135	41	contribute	contribute	VERB
ajbmeb-1381	135	42	to	to	ADP
ajbmeb-1381	135	43	one	one	PRON
ajbmeb-1381	135	44	's	's	PART
ajbmeb-1381	135	45	financial	financial	ADJ
ajbmeb-1381	135	46	stability	stability	NOUN
ajbmeb-1381	135	47	.	.	PUNCT
ajbmeb-1381	136	1	a	a	DET
ajbmeb-1381	136	2	supportive	supportive	ADJ
ajbmeb-1381	136	3	economic	economic	ADJ
ajbmeb-1381	136	4	policy	policy	NOUN
ajbmeb-1381	136	5	is	be	AUX
ajbmeb-1381	136	6	required	require	VERB
ajbmeb-1381	136	7	to	to	PART
ajbmeb-1381	136	8	help	help	VERB
ajbmeb-1381	136	9	manage	manage	VERB
ajbmeb-1381	136	10	low	low	ADJ
ajbmeb-1381	136	11	-	-	PUNCT
ajbmeb-1381	136	12	income	income	NOUN
ajbmeb-1381	136	13	citizens	citizen	NOUN
ajbmeb-1381	136	14	'	'	PART
ajbmeb-1381	136	15	financial	financial	ADJ
ajbmeb-1381	136	16	wellbeing	wellbee	VERB
ajbmeb-1381	136	17	by	by	ADP
ajbmeb-1381	136	18	providing	provide	VERB
ajbmeb-1381	136	19	laws	law	NOUN
ajbmeb-1381	136	20	and	and	CCONJ
ajbmeb-1381	136	21	regulations	regulation	NOUN
ajbmeb-1381	136	22	for	for	ADP
ajbmeb-1381	136	23	banks	bank	NOUN
ajbmeb-1381	136	24	in	in	ADP
ajbmeb-1381	136	25	their	their	PRON
ajbmeb-1381	136	26	interactions	interaction	NOUN
ajbmeb-1381	136	27	with	with	ADP
ajbmeb-1381	136	28	individuals	individual	NOUN
ajbmeb-1381	136	29	.	.	PUNCT
ajbmeb-1381	137	1	government	government	NOUN
ajbmeb-1381	137	2	intervention	intervention	NOUN
ajbmeb-1381	137	3	is	be	AUX
ajbmeb-1381	137	4	necessary	necessary	ADJ
ajbmeb-1381	137	5	to	to	PART
ajbmeb-1381	137	6	ensure	ensure	VERB
ajbmeb-1381	137	7	that	that	SCONJ
ajbmeb-1381	137	8	low	low	ADJ
ajbmeb-1381	137	9	-	-	PUNCT
ajbmeb-1381	137	10	income	income	NOUN
ajbmeb-1381	137	11	citizens	citizen	NOUN
ajbmeb-1381	137	12	can	can	AUX
ajbmeb-1381	137	13	earn	earn	VERB
ajbmeb-1381	137	14	a	a	DET
ajbmeb-1381	137	15	reasonable	reasonable	ADJ
ajbmeb-1381	137	16	amount	amount	NOUN
ajbmeb-1381	137	17	of	of	ADP
ajbmeb-1381	137	18	money	money	NOUN
ajbmeb-1381	137	19	to	to	PART
ajbmeb-1381	137	20	ease	ease	VERB
ajbmeb-1381	137	21	their	their	PRON
ajbmeb-1381	137	22	living	living	NOUN
ajbmeb-1381	137	23	.	.	PUNCT
ajbmeb-1381	138	1	financial	financial	ADJ
ajbmeb-1381	138	2	education	education	NOUN
ajbmeb-1381	138	3	improves	improve	VERB
ajbmeb-1381	138	4	people	people	NOUN
ajbmeb-1381	138	5	's	's	PART
ajbmeb-1381	138	6	capacity	capacity	NOUN
ajbmeb-1381	138	7	to	to	PART
ajbmeb-1381	138	8	manage	manage	VERB
ajbmeb-1381	138	9	their	their	PRON
ajbmeb-1381	138	10	financial	financial	ADJ
ajbmeb-1381	138	11	resources	resource	NOUN
ajbmeb-1381	138	12	as	as	ADP
ajbmeb-1381	138	13	a	a	DET
ajbmeb-1381	138	14	motivating	motivating	NOUN
ajbmeb-1381	138	15	endeavour	endeavour	NOUN
ajbmeb-1381	138	16	for	for	ADP
ajbmeb-1381	138	17	them	they	PRON
ajbmeb-1381	138	18	and	and	CCONJ
ajbmeb-1381	138	19	teaches	teach	VERB
ajbmeb-1381	138	20	them	they	PRON
ajbmeb-1381	138	21	how	how	SCONJ
ajbmeb-1381	138	22	to	to	PART
ajbmeb-1381	138	23	deal	deal	VERB
ajbmeb-1381	138	24	with	with	ADP
ajbmeb-1381	138	25	unforeseen	unforeseen	ADJ
ajbmeb-1381	138	26	events	event	NOUN
ajbmeb-1381	138	27	and	and	CCONJ
ajbmeb-1381	138	28	unfavourable	unfavourable	ADJ
ajbmeb-1381	138	29	financial	financial	ADJ
ajbmeb-1381	138	30	circumstances	circumstance	NOUN
ajbmeb-1381	138	31	.	.	PUNCT
ajbmeb-1381	139	1	the	the	DET
ajbmeb-1381	139	2	study	study	NOUN
ajbmeb-1381	139	3	also	also	ADV
ajbmeb-1381	139	4	found	find	VERB
ajbmeb-1381	139	5	that	that	SCONJ
ajbmeb-1381	139	6	,	,	PUNCT
ajbmeb-1381	139	7	despite	despite	SCONJ
ajbmeb-1381	139	8	the	the	DET
ajbmeb-1381	139	9	fact	fact	NOUN
ajbmeb-1381	139	10	that	that	SCONJ
ajbmeb-1381	139	11	a	a	DET
ajbmeb-1381	139	12	well	well	ADV
ajbmeb-1381	139	13	-	-	PUNCT
ajbmeb-1381	139	14	educated	educate	VERB
ajbmeb-1381	139	15	set	set	NOUN
ajbmeb-1381	139	16	of	of	ADP
ajbmeb-1381	139	17	respondents	respondent	NOUN
ajbmeb-1381	139	18	took	take	VERB
ajbmeb-1381	139	19	part	part	NOUN
ajbmeb-1381	139	20	in	in	ADP
ajbmeb-1381	139	21	the	the	DET
ajbmeb-1381	139	22	survey	survey	NOUN
ajbmeb-1381	139	23	,	,	PUNCT
ajbmeb-1381	139	24	financial	financial	ADJ
ajbmeb-1381	139	25	literacy	literacy	NOUN
ajbmeb-1381	139	26	had	have	VERB
ajbmeb-1381	139	27	a	a	DET
ajbmeb-1381	139	28	less	less	ADJ
ajbmeb-1381	139	29	impact	impact	NOUN
ajbmeb-1381	139	30	than	than	ADP
ajbmeb-1381	139	31	other	other	ADJ
ajbmeb-1381	139	32	factors	factor	NOUN
ajbmeb-1381	139	33	that	that	PRON
ajbmeb-1381	139	34	influence	influence	VERB
ajbmeb-1381	139	35	financial	financial	ADJ
ajbmeb-1381	139	36	behaviour	behaviour	NOUN
ajbmeb-1381	139	37	.	.	PUNCT
ajbmeb-1381	140	1	until	until	SCONJ
ajbmeb-1381	140	2	everyone	everyone	PRON
ajbmeb-1381	140	3	has	have	VERB
ajbmeb-1381	140	4	a	a	DET
ajbmeb-1381	140	5	greater	great	ADJ
ajbmeb-1381	140	6	understanding	understanding	NOUN
ajbmeb-1381	140	7	of	of	ADP
ajbmeb-1381	140	8	a	a	DET
ajbmeb-1381	140	9	fundamental	fundamental	ADJ
ajbmeb-1381	140	10	financial	financial	ADJ
ajbmeb-1381	140	11	plan	plan	NOUN
ajbmeb-1381	140	12	in	in	ADP
ajbmeb-1381	140	13	their	their	PRON
ajbmeb-1381	140	14	daily	daily	ADJ
ajbmeb-1381	140	15	lives	life	NOUN
ajbmeb-1381	140	16	and	and	CCONJ
ajbmeb-1381	140	17	faces	face	VERB
ajbmeb-1381	140	18	financial	financial	ADJ
ajbmeb-1381	140	19	pressures	pressure	NOUN
ajbmeb-1381	140	20	in	in	ADP
ajbmeb-1381	140	21	addition	addition	NOUN
ajbmeb-1381	140	22	to	to	ADP
ajbmeb-1381	140	23	a	a	DET
ajbmeb-1381	140	24	moderate	moderate	ADJ
ajbmeb-1381	140	25	level	level	NOUN
ajbmeb-1381	140	26	of	of	ADP
ajbmeb-1381	140	27	financial	financial	ADJ
ajbmeb-1381	140	28	knowledge	knowledge	NOUN
ajbmeb-1381	140	29	,	,	PUNCT
ajbmeb-1381	140	30	individuals	individual	NOUN
ajbmeb-1381	140	31	with	with	ADP
ajbmeb-1381	140	32	noncommercial	noncommercial	ADJ
ajbmeb-1381	140	33	backgrounds	background	NOUN
ajbmeb-1381	140	34	may	may	AUX
ajbmeb-1381	140	35	not	not	PART
ajbmeb-1381	140	36	have	have	VERB
ajbmeb-1381	140	37	a	a	DET
ajbmeb-1381	140	38	proper	proper	ADJ
ajbmeb-1381	140	39	introduction	introduction	NOUN
ajbmeb-1381	140	40	to	to	ADP
ajbmeb-1381	140	41	financial	financial	ADJ
ajbmeb-1381	140	42	knowledge	knowledge	NOUN
ajbmeb-1381	140	43	while	while	SCONJ
ajbmeb-1381	140	44	practising	practise	VERB
ajbmeb-1381	140	45	electronic	electronic	ADJ
ajbmeb-1381	140	46	banking	banking	NOUN
ajbmeb-1381	140	47	transactions	transaction	NOUN
ajbmeb-1381	140	48	.	.	PUNCT
ajbmeb-1381	141	1	this	this	DET
ajbmeb-1381	141	2	assistance	assistance	NOUN
ajbmeb-1381	141	3	may	may	AUX
ajbmeb-1381	141	4	enhance	enhance	VERB
ajbmeb-1381	141	5	financial	financial	ADJ
ajbmeb-1381	141	6	behavior	behavior	NOUN
ajbmeb-1381	141	7	,	,	PUNCT
ajbmeb-1381	141	8	lessen	lessen	VERB
ajbmeb-1381	141	9	stress	stress	NOUN
ajbmeb-1381	141	10	,	,	PUNCT
ajbmeb-1381	141	11	and	and	CCONJ
ajbmeb-1381	141	12	boost	boost	VERB
ajbmeb-1381	141	13	people	people	NOUN
ajbmeb-1381	141	14	's	's	PART
ajbmeb-1381	141	15	awareness	awareness	NOUN
ajbmeb-1381	141	16	of	of	ADP
ajbmeb-1381	141	17	wise	wise	ADJ
ajbmeb-1381	141	18	financial	financial	ADJ
ajbmeb-1381	141	19	choices	choice	NOUN
ajbmeb-1381	141	20	they	they	PRON
ajbmeb-1381	141	21	may	may	AUX
ajbmeb-1381	141	22	make	make	VERB
ajbmeb-1381	141	23	on	on	ADP
ajbmeb-1381	141	24	a	a	DET
ajbmeb-1381	141	25	regular	regular	ADJ
ajbmeb-1381	141	26	basis	basis	NOUN
ajbmeb-1381	141	27	.	.	PUNCT
ajbmeb-1381	142	1	american	american	ADJ
ajbmeb-1381	142	2	journal	journal	PROPN
ajbmeb-1381	142	3	of	of	ADP
ajbmeb-1381	142	4	business	business	NOUN
ajbmeb-1381	142	5	management	management	NOUN
ajbmeb-1381	142	6	,	,	PUNCT
ajbmeb-1381	142	7	economics	economic	NOUN
ajbmeb-1381	142	8	and	and	CCONJ
ajbmeb-1381	142	9	banking	banking	NOUN
ajbmeb-1381	142	10	volume	volume	NOUN
ajbmeb-1381	142	11	17	17	NUM
ajbmeb-1381	142	12	oct	oct	PROPN
ajbmeb-1381	142	13	.	.	PROPN
ajbmeb-1381	142	14	,	,	PUNCT
ajbmeb-1381	142	15	2023	2023	NUM
ajbmeb-1381	142	16	p	p	NOUN
ajbmeb-1381	142	17	a	a	DET
ajbmeb-1381	142	18	g	g	NOUN
ajbmeb-1381	142	19	e	e	NOUN
ajbmeb-1381	142	20	|	|	ADV
ajbmeb-1381	142	21	99	99	NUM
ajbmeb-1381	142	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1381	142	23	conclusion	conclusion	NOUN
ajbmeb-1381	142	24	:	:	PUNCT
ajbmeb-1381	142	25	the	the	DET
ajbmeb-1381	142	26	study	study	NOUN
ajbmeb-1381	142	27	of	of	ADP
ajbmeb-1381	142	28	low	low	ADJ
ajbmeb-1381	142	29	-	-	PUNCT
ajbmeb-1381	142	30	income	income	NOUN
ajbmeb-1381	142	31	people	people	NOUN
ajbmeb-1381	142	32	's	's	PART
ajbmeb-1381	142	33	external	external	ADJ
ajbmeb-1381	142	34	behavioral	behavioral	ADJ
ajbmeb-1381	142	35	elements	element	NOUN
ajbmeb-1381	142	36	and	and	CCONJ
ajbmeb-1381	142	37	the	the	DET
ajbmeb-1381	142	38	investigation	investigation	NOUN
ajbmeb-1381	142	39	of	of	ADP
ajbmeb-1381	142	40	the	the	DET
ajbmeb-1381	142	41	factors	factor	NOUN
ajbmeb-1381	142	42	that	that	PRON
ajbmeb-1381	142	43	determine	determine	VERB
ajbmeb-1381	142	44	their	their	PRON
ajbmeb-1381	142	45	financial	financial	ADJ
ajbmeb-1381	142	46	well	well	NOUN
ajbmeb-1381	142	47	-	-	PUNCT
ajbmeb-1381	142	48	being	being	NOUN
ajbmeb-1381	142	49	are	be	AUX
ajbmeb-1381	142	50	two	two	NUM
ajbmeb-1381	142	51	constraints	constraint	NOUN
ajbmeb-1381	142	52	that	that	PRON
ajbmeb-1381	142	53	must	must	AUX
ajbmeb-1381	142	54	be	be	AUX
ajbmeb-1381	142	55	addressed	address	VERB
ajbmeb-1381	142	56	in	in	ADP
ajbmeb-1381	142	57	future	future	ADJ
ajbmeb-1381	142	58	research	research	NOUN
ajbmeb-1381	142	59	,	,	PUNCT
ajbmeb-1381	142	60	according	accord	VERB
ajbmeb-1381	142	61	to	to	ADP
ajbmeb-1381	142	62	this	this	DET
ajbmeb-1381	142	63	study	study	NOUN
ajbmeb-1381	142	64	.	.	PUNCT
ajbmeb-1381	143	1	second	second	ADJ
ajbmeb-1381	143	2	,	,	PUNCT
ajbmeb-1381	143	3	conducting	conduct	VERB
ajbmeb-1381	143	4	a	a	DET
ajbmeb-1381	143	5	survey	survey	NOUN
ajbmeb-1381	143	6	of	of	ADP
ajbmeb-1381	143	7	the	the	DET
ajbmeb-1381	143	8	study	study	NOUN
ajbmeb-1381	143	9	's	's	PART
ajbmeb-1381	143	10	designated	designate	VERB
ajbmeb-1381	143	11	region	region	NOUN
ajbmeb-1381	143	12	,	,	PUNCT
ajbmeb-1381	143	13	the	the	DET
ajbmeb-1381	143	14	iraqi	iraqi	ADJ
ajbmeb-1381	143	15	province	province	NOUN
ajbmeb-1381	143	16	of	of	ADP
ajbmeb-1381	143	17	najaf	najaf	PROPN
ajbmeb-1381	143	18	,	,	PUNCT
ajbmeb-1381	143	19	to	to	PART
ajbmeb-1381	143	20	ascertain	ascertain	VERB
ajbmeb-1381	143	21	the	the	DET
ajbmeb-1381	143	22	proportion	proportion	NOUN
ajbmeb-1381	143	23	of	of	ADP
ajbmeb-1381	143	24	workers	worker	NOUN
ajbmeb-1381	143	25	who	who	PRON
ajbmeb-1381	143	26	do	do	AUX
ajbmeb-1381	143	27	not	not	PART
ajbmeb-1381	143	28	interact	interact	VERB
ajbmeb-1381	143	29	with	with	ADP
ajbmeb-1381	143	30	banks	bank	NOUN
ajbmeb-1381	143	31	directly	directly	ADV
ajbmeb-1381	143	32	and	and	CCONJ
ajbmeb-1381	143	33	investigate	investigate	VERB
ajbmeb-1381	143	34	the	the	DET
ajbmeb-1381	143	35	causes	cause	NOUN
ajbmeb-1381	143	36	.	.	PUNCT
ajbmeb-1381	144	1	thirdly	thirdly	ADV
ajbmeb-1381	144	2	,	,	PUNCT
ajbmeb-1381	144	3	expanding	expand	VERB
ajbmeb-1381	144	4	research	research	NOUN
ajbmeb-1381	144	5	efforts	effort	NOUN
ajbmeb-1381	144	6	and	and	CCONJ
ajbmeb-1381	144	7	offering	offer	VERB
ajbmeb-1381	144	8	more	more	ADJ
ajbmeb-1381	144	9	educational	educational	ADJ
ajbmeb-1381	144	10	programmed	program	VERB
ajbmeb-1381	144	11	to	to	ADP
ajbmeb-1381	144	12	the	the	DET
ajbmeb-1381	144	13	research	research	NOUN
ajbmeb-1381	144	14	community	community	NOUN
ajbmeb-1381	144	15	to	to	PART
ajbmeb-1381	144	16	raise	raise	VERB
ajbmeb-1381	144	17	financial	financial	ADJ
ajbmeb-1381	144	18	literacy	literacy	NOUN
ajbmeb-1381	144	19	and	and	CCONJ
ajbmeb-1381	144	20	better	well	ADV
ajbmeb-1381	144	21	understand	understand	VERB
ajbmeb-1381	144	22	how	how	SCONJ
ajbmeb-1381	144	23	it	it	PRON
ajbmeb-1381	144	24	influences	influence	VERB
ajbmeb-1381	144	25	a	a	DET
ajbmeb-1381	144	26	person	person	NOUN
ajbmeb-1381	144	27	's	's	PART
ajbmeb-1381	144	28	behavior	behavior	NOUN
ajbmeb-1381	144	29	and	and	CCONJ
ajbmeb-1381	144	30	financial	financial	ADJ
ajbmeb-1381	144	31	choices	choice	NOUN
ajbmeb-1381	144	32	in	in	ADP
ajbmeb-1381	144	33	order	order	NOUN
ajbmeb-1381	144	34	to	to	PART
ajbmeb-1381	144	35	raise	raise	VERB
ajbmeb-1381	144	36	his	his	PRON
ajbmeb-1381	144	37	general	general	ADJ
ajbmeb-1381	144	38	level	level	NOUN
ajbmeb-1381	144	39	.	.	PUNCT
ajbmeb-1381	145	1	the	the	DET
ajbmeb-1381	145	2	importance	importance	NOUN
ajbmeb-1381	145	3	of	of	ADP
ajbmeb-1381	145	4	stressing	stress	VERB
ajbmeb-1381	145	5	that	that	SCONJ
ajbmeb-1381	145	6	developing	develop	VERB
ajbmeb-1381	145	7	sound	sound	ADJ
ajbmeb-1381	145	8	financial	financial	ADJ
ajbmeb-1381	145	9	habits	habit	NOUN
ajbmeb-1381	145	10	,	,	PUNCT
ajbmeb-1381	145	11	controlling	control	VERB
ajbmeb-1381	145	12	personal	personal	ADJ
ajbmeb-1381	145	13	financial	financial	ADJ
ajbmeb-1381	145	14	pressures	pressure	NOUN
ajbmeb-1381	145	15	,	,	PUNCT
ajbmeb-1381	145	16	and	and	CCONJ
ajbmeb-1381	145	17	raising	raise	VERB
ajbmeb-1381	145	18	financial	financial	ADJ
ajbmeb-1381	145	19	literacy	literacy	NOUN
ajbmeb-1381	145	20	are	be	AUX
ajbmeb-1381	145	21	essential	essential	ADJ
ajbmeb-1381	145	22	steps	step	NOUN
ajbmeb-1381	145	23	in	in	ADP
ajbmeb-1381	145	24	attaining	attain	VERB
ajbmeb-1381	145	25	financial	financial	ADJ
ajbmeb-1381	145	26	security	security	NOUN
ajbmeb-1381	145	27	.	.	PUNCT
ajbmeb-1381	146	1	references	reference	NOUN
ajbmeb-1381	146	2	1	1	NUM
ajbmeb-1381	146	3	.	.	PUNCT
ajbmeb-1381	146	4	adiputra	adiputra	PROPN
ajbmeb-1381	146	5	,	,	PUNCT
ajbmeb-1381	146	6	i.	i.	PROPN
ajbmeb-1381	146	7	,	,	PUNCT
ajbmeb-1381	146	8	patricia	patricia	PROPN
ajbmeb-1381	146	9	,	,	PUNCT
ajbmeb-1381	146	10	e.	e.	PROPN
ajbmeb-1381	146	11	,	,	PUNCT
ajbmeb-1381	146	12	the	the	DET
ajbmeb-1381	146	13	effect	effect	NOUN
ajbmeb-1381	146	14	of	of	ADP
ajbmeb-1381	146	15	financial	financial	ADJ
ajbmeb-1381	146	16	attitude	attitude	NOUN
ajbmeb-1381	146	17	,	,	PUNCT
ajbmeb-1381	146	18	financial	financial	ADJ
ajbmeb-1381	146	19	knowledge	knowledge	NOUN
ajbmeb-1381	146	20	,	,	PUNCT
ajbmeb-1381	146	21	and	and	CCONJ
ajbmeb-1381	146	22	income	income	NOUN
ajbmeb-1381	146	23	on	on	ADP
ajbmeb-1381	146	24	financial	financial	ADJ
ajbmeb-1381	146	25	management	management	NOUN
ajbmeb-1381	146	26	behavior	behavior	NOUN
ajbmeb-1381	146	27	,	,	PUNCT
ajbmeb-1381	146	28	advances	advance	NOUN
ajbmeb-1381	146	29	in	in	ADP
ajbmeb-1381	146	30	social	social	ADJ
ajbmeb-1381	146	31	science	science	NOUN
ajbmeb-1381	146	32	,	,	PUNCT
ajbmeb-1381	146	33	education	education	NOUN
ajbmeb-1381	146	34	and	and	CCONJ
ajbmeb-1381	146	35	humanities	humanity	NOUN
ajbmeb-1381	146	36	research,2019	research,2019	VERB
ajbmeb-1381	146	37	,	,	PUNCT
ajbmeb-1381	146	38	volume	volume	NOUN
ajbmeb-1381	146	39	439	439	NUM
ajbmeb-1381	146	40	.	.	PUNCT
ajbmeb-1381	147	1	2	2	NUM
ajbmeb-1381	147	2	.	.	X
ajbmeb-1381	147	3	adiputra	adiputra	PROPN
ajbmeb-1381	147	4	,	,	PUNCT
ajbmeb-1381	147	5	i.	i.	PROPN
ajbmeb-1381	147	6	,suprastha	,suprastha	PUNCT
ajbmeb-1381	147	7	,	,	PUNCT
ajbmeb-1381	147	8	n.	n.	PROPN
ajbmeb-1381	147	9	,tania	,tania	PROPN
ajbmeb-1381	147	10	,	,	PUNCT
ajbmeb-1381	147	11	l.	l.	PROPN
ajbmeb-1381	147	12	,the	,the	PUNCT
ajbmeb-1381	147	13	influence	influence	NOUN
ajbmeb-1381	147	14	of	of	ADP
ajbmeb-1381	147	15	financial	financial	ADJ
ajbmeb-1381	147	16	knowledge	knowledge	NOUN
ajbmeb-1381	147	17	,	,	PUNCT
ajbmeb-1381	147	18	financial	financial	ADJ
ajbmeb-1381	147	19	attitude	attitude	NOUN
ajbmeb-1381	147	20	dan	dan	PROPN
ajbmeb-1381	147	21	locus	locus	PROPN
ajbmeb-1381	147	22	of	of	ADP
ajbmeb-1381	147	23	control	control	NOUN
ajbmeb-1381	147	24	on	on	ADP
ajbmeb-1381	147	25	financial	financial	ADJ
ajbmeb-1381	147	26	behavior	behavior	NOUN
ajbmeb-1381	147	27	of	of	ADP
ajbmeb-1381	147	28	e	e	NOUN
ajbmeb-1381	147	29	-	-	NOUN
ajbmeb-1381	147	30	wallet	wallet	NOUN
ajbmeb-1381	147	31	users	user	NOUN
ajbmeb-1381	147	32	in	in	ADP
ajbmeb-1381	147	33	jakarta	jakarta	PROPN
ajbmeb-1381	147	34	,	,	PUNCT
ajbmeb-1381	147	35	journal	journal	NOUN
ajbmeb-1381	147	36	of	of	ADP
ajbmeb-1381	147	37	contemporary	contemporary	ADJ
ajbmeb-1381	147	38	issues	issue	NOUN
ajbmeb-1381	147	39	in	in	ADP
ajbmeb-1381	147	40	business	business	NOUN
ajbmeb-1381	147	41	and	and	CCONJ
ajbmeb-1381	147	42	government	government	NOUN
ajbmeb-1381	147	43	vol	vol	NOUN
ajbmeb-1381	147	44	.	.	PROPN
ajbmeb-1381	148	1	27	27	NUM
ajbmeb-1381	148	2	,	,	PUNCT
ajbmeb-1381	148	3	no	no	INTJ
ajbmeb-1381	148	4	.	.	NOUN
ajbmeb-1381	148	5	1	1	NUM
ajbmeb-1381	148	6	,	,	PUNCT
ajbmeb-1381	148	7	2021	2021	NUM
ajbmeb-1381	148	8	p	p	X
ajbmeb-1381	148	9	-	-	PUNCT
ajbmeb-1381	148	10	issn	issn	NOUN
ajbmeb-1381	148	11	:	:	PUNCT
ajbmeb-1381	148	12	2204	2204	NUM
ajbmeb-1381	148	13	-	-	SYM
ajbmeb-1381	148	14	1990	1990	NUM
ajbmeb-1381	148	15	;	;	PUNCT
ajbmeb-1381	148	16	e	e	X
ajbmeb-1381	148	17	-	-	PUNCT
ajbmeb-1381	148	18	issn	issn	NOUN
ajbmeb-1381	148	19	:	:	PUNCT
ajbmeb-1381	148	20	1323	1323	NUM
ajbmeb-1381	148	21	-	-	SYM
ajbmeb-1381	148	22	6903	6903	NUM
ajbmeb-1381	148	23	.	.	PUNCT
ajbmeb-1381	149	1	3	3	X
ajbmeb-1381	149	2	.	.	X
ajbmeb-1381	149	3	amanah	amanah	PROPN
ajbmeb-1381	149	4	,	,	PUNCT
ajbmeb-1381	149	5	e.	e.	PROPN
ajbmeb-1381	149	6	,	,	PUNCT
ajbmeb-1381	149	7	rahadian	rahadian	PROPN
ajbmeb-1381	149	8	,	,	PUNCT
ajbmeb-1381	149	9	d.	d.	PROPN
ajbmeb-1381	149	10	,	,	PUNCT
ajbmeb-1381	149	11	iradianty	iradianty	PROPN
ajbmeb-1381	149	12	,	,	PUNCT
ajbmeb-1381	149	13	a.	a.	NOUN
ajbmeb-1381	149	14	,	,	PUNCT
ajbmeb-1381	149	15	pengaruh	pengaruh	VERB
ajbmeb-1381	149	16	financial	financial	ADJ
ajbmeb-1381	149	17	knowledge	knowledge	NOUN
ajbmeb-1381	149	18	,	,	PUNCT
ajbmeb-1381	149	19	financial	financial	ADJ
ajbmeb-1381	149	20	attitude	attitude	NOUN
ajbmeb-1381	149	21	dan	dan	PROPN
ajbmeb-1381	149	22	external	external	ADJ
ajbmeb-1381	149	23	locus	locus	NOUN
ajbmeb-1381	149	24	of	of	ADP
ajbmeb-1381	149	25	control	control	PROPN
ajbmeb-1381	149	26	terhadap	terhadap	PROPN
ajbmeb-1381	149	27	personal	personal	PROPN
ajbmeb-1381	149	28	financial	financial	ADJ
ajbmeb-1381	149	29	management	management	NOUN
ajbmeb-1381	149	30	behavior	behavior	NOUN
ajbmeb-1381	149	31	pada	pada	PROPN
ajbmeb-1381	149	32	mahasiswa	mahasiswa	PROPN
ajbmeb-1381	149	33	s1	s1	PROPN
ajbmeb-1381	149	34	universitas	universita	NOUN
ajbmeb-1381	149	35	telkom	telkom	NOUN
ajbmeb-1381	149	36	,	,	PUNCT
ajbmeb-1381	149	37	e	e	NOUN
ajbmeb-1381	149	38	-	-	NOUN
ajbmeb-1381	149	39	proceeding	proceeding	NOUN
ajbmeb-1381	149	40	of	of	ADP
ajbmeb-1381	149	41	management	management	NOUN
ajbmeb-1381	149	42	,	,	PUNCT
ajbmeb-1381	149	43	2016	2016	NUM
ajbmeb-1381	149	44	,	,	PUNCT
ajbmeb-1381	149	45	vol.3	vol.3	PROPN
ajbmeb-1381	149	46	,	,	PUNCT
ajbmeb-1381	149	47	no.2	no.2	PROPN
ajbmeb-1381	149	48	,	,	PUNCT
ajbmeb-1381	149	49	p	p	X
ajbmeb-1381	149	50	:	:	PUNCT
ajbmeb-1381	149	51	1228	1228	NUM
ajbmeb-1381	149	52	.	.	PUNCT
ajbmeb-1381	150	1	4	4	NUM
ajbmeb-1381	150	2	.	.	X
ajbmeb-1381	150	3	ameliawati	ameliawati	PROPN
ajbmeb-1381	150	4	,	,	PUNCT
ajbmeb-1381	150	5	m.	m.	NOUN
ajbmeb-1381	150	6	,	,	PUNCT
ajbmeb-1381	150	7	setiyani	setiyani	PROPN
ajbmeb-1381	150	8	,	,	PUNCT
ajbmeb-1381	150	9	r.	r.	PROPN
ajbmeb-1381	150	10	,	,	PUNCT
ajbmeb-1381	150	11	the	the	DET
ajbmeb-1381	150	12	influence	influence	NOUN
ajbmeb-1381	150	13	of	of	ADP
ajbmeb-1381	150	14	financial	financial	ADJ
ajbmeb-1381	150	15	attitude	attitude	NOUN
ajbmeb-1381	150	16	,	,	PUNCT
ajbmeb-1381	150	17	financial	financial	ADJ
ajbmeb-1381	150	18	socialization	socialization	NOUN
ajbmeb-1381	150	19	,	,	PUNCT
ajbmeb-1381	150	20	and	and	CCONJ
ajbmeb-1381	150	21	financial	financial	ADJ
ajbmeb-1381	150	22	experience	experience	NOUN
ajbmeb-1381	150	23	to	to	ADP
ajbmeb-1381	150	24	financial	financial	ADJ
ajbmeb-1381	150	25	management	management	NOUN
ajbmeb-1381	150	26	behavior	behavior	NOUN
ajbmeb-1381	150	27	with	with	ADP
ajbmeb-1381	150	28	financial	financial	ADJ
ajbmeb-1381	150	29	literacy	literacy	NOUN
ajbmeb-1381	150	30	as	as	ADP
ajbmeb-1381	150	31	the	the	DET
ajbmeb-1381	150	32	mediation	mediation	NOUN
ajbmeb-1381	150	33	variable	variable	NOUN
ajbmeb-1381	150	34	”	"	PUNCT
ajbmeb-1381	150	35	in	in	ADP
ajbmeb-1381	150	36	international	international	ADJ
ajbmeb-1381	150	37	conference	conference	NOUN
ajbmeb-1381	150	38	on	on	ADP
ajbmeb-1381	150	39	economics	economic	NOUN
ajbmeb-1381	150	40	,	,	PUNCT
ajbmeb-1381	150	41	business	business	NOUN
ajbmeb-1381	150	42	and	and	CCONJ
ajbmeb-1381	150	43	economic	economic	ADJ
ajbmeb-1381	150	44	education	education	NOUN
ajbmeb-1381	150	45	2018	2018	NUM
ajbmeb-1381	150	46	,	,	PUNCT
ajbmeb-1381	150	47	kne	kne	PROPN
ajbmeb-1381	150	48	social	social	PROPN
ajbmeb-1381	150	49	sciences	sciences	PROPN
ajbmeb-1381	150	50	,	,	PUNCT
ajbmeb-1381	150	51	pages	page	NOUN
ajbmeb-1381	150	52	811–832	811–832	NUM
ajbmeb-1381	150	53	.	.	PUNCT
ajbmeb-1381	151	1	doi	doi	PROPN
ajbmeb-1381	151	2	10.18502	10.18502	NUM
ajbmeb-1381	151	3	/	/	SYM
ajbmeb-1381	151	4	kss.v3i10.3174	kss.v3i10.3174	PROPN
ajbmeb-1381	151	5	.	.	PUNCT
ajbmeb-1381	152	1	5	5	X
ajbmeb-1381	152	2	.	.	X
ajbmeb-1381	152	3	arifin	arifin	PROPN
ajbmeb-1381	152	4	,	,	PUNCT
ajbmeb-1381	152	5	a.	a.	PROPN
ajbmeb-1381	152	6	,z	,z	PROPN
ajbmeb-1381	152	7	.	.	PUNCT
ajbmeb-1381	152	8	,	,	PUNCT
ajbmeb-1381	152	9	influence	influence	NOUN
ajbmeb-1381	152	10	of	of	ADP
ajbmeb-1381	152	11	financial	financial	ADJ
ajbmeb-1381	152	12	attitude	attitude	NOUN
ajbmeb-1381	152	13	,	,	PUNCT
ajbmeb-1381	152	14	financial	financial	ADJ
ajbmeb-1381	152	15	behavior	behavior	NOUN
ajbmeb-1381	152	16	,	,	PUNCT
ajbmeb-1381	152	17	financial	financial	ADJ
ajbmeb-1381	152	18	capability	capability	NOUN
ajbmeb-1381	152	19	on	on	ADP
ajbmeb-1381	152	20	financial	financial	ADJ
ajbmeb-1381	152	21	satisfaction	satisfaction	NOUN
ajbmeb-1381	152	22	,	,	PUNCT
ajbmeb-1381	152	23	advances	advance	NOUN
ajbmeb-1381	152	24	in	in	ADP
ajbmeb-1381	152	25	social	social	ADJ
ajbmeb-1381	152	26	science	science	NOUN
ajbmeb-1381	152	27	,	,	PUNCT
ajbmeb-1381	152	28	education	education	NOUN
ajbmeb-1381	152	29	and	and	CCONJ
ajbmeb-1381	152	30	humanities	humanity	NOUN
ajbmeb-1381	152	31	research	research	NOUN
ajbmeb-1381	152	32	(	(	PUNCT
ajbmeb-1381	152	33	assehr	assehr	NOUN
ajbmeb-1381	152	34	)	)	PUNCT
ajbmeb-1381	152	35	,	,	PUNCT
ajbmeb-1381	152	36	volume	volume	NOUN
ajbmeb-1381	152	37	186,15th	186,15th	NUM
ajbmeb-1381	152	38	international	international	ADJ
ajbmeb-1381	152	39	symposium	symposium	NOUN
ajbmeb-1381	152	40	on	on	ADP
ajbmeb-1381	152	41	management	management	NOUN
ajbmeb-1381	152	42	(	(	PUNCT
ajbmeb-1381	152	43	insyma	insyma	NOUN
ajbmeb-1381	152	44	2018	2018	NUM
ajbmeb-1381	152	45	)	)	PUNCT
ajbmeb-1381	152	46	.	.	PUNCT
ajbmeb-1381	153	1	6	6	X
ajbmeb-1381	153	2	.	.	X
ajbmeb-1381	153	3	atkinson	atkinson	PROPN
ajbmeb-1381	153	4	,	,	PUNCT
ajbmeb-1381	153	5	a.	a.	NOUN
ajbmeb-1381	153	6	,	,	PUNCT
ajbmeb-1381	153	7	messy	messy	ADJ
ajbmeb-1381	153	8	,	,	PUNCT
ajbmeb-1381	153	9	f.	f.	PROPN
ajbmeb-1381	153	10	,	,	PUNCT
ajbmeb-1381	153	11	assessing	assess	VERB
ajbmeb-1381	153	12	financial	financial	ADJ
ajbmeb-1381	153	13	literacy	literacy	NOUN
ajbmeb-1381	153	14	in	in	ADP
ajbmeb-1381	153	15	12	12	NUM
ajbmeb-1381	153	16	countries	country	NOUN
ajbmeb-1381	153	17	:	:	PUNCT
ajbmeb-1381	153	18	an	an	DET
ajbmeb-1381	153	19	oecd	oecd	PROPN
ajbmeb-1381	153	20	/	/	SYM
ajbmeb-1381	153	21	infe	infe	PROPN
ajbmeb-1381	153	22	international	international	PROPN
ajbmeb-1381	153	23	pilot	pilot	PROPN
ajbmeb-1381	153	24	exercise,2011	exercise,2011	PROPN
ajbmeb-1381	153	25	,	,	PUNCT
ajbmeb-1381	153	26	journal	journal	NOUN
ajbmeb-1381	153	27	of	of	ADP
ajbmeb-1381	153	28	pension	pension	NOUN
ajbmeb-1381	153	29	economics	economic	NOUN
ajbmeb-1381	153	30	and	and	CCONJ
ajbmeb-1381	153	31	finance	finance	NOUN
ajbmeb-1381	153	32	,	,	PUNCT
ajbmeb-1381	153	33	10	10	NUM
ajbmeb-1381	153	34	,	,	PUNCT
ajbmeb-1381	153	35	pp.657	pp.657	NOUN
ajbmeb-1381	153	36	-	-	PUNCT
ajbmeb-1381	153	37	665	665	NUM
ajbmeb-1381	153	38	doi:10.1017	doi:10.1017	NOUN
ajbmeb-1381	153	39	/	/	SYM
ajbmeb-1381	153	40	s1474747211000539	s1474747211000539	NOUN
ajbmeb-1381	153	41	.	.	PUNCT
ajbmeb-1381	154	1	7	7	X
ajbmeb-1381	154	2	.	.	X
ajbmeb-1381	154	3	atkinson	atkinson	PROPN
ajbmeb-1381	154	4	,	,	PUNCT
ajbmeb-1381	154	5	a.	a.	NOUN
ajbmeb-1381	154	6	,	,	PUNCT
ajbmeb-1381	154	7	messy	messy	ADJ
ajbmeb-1381	154	8	,	,	PUNCT
ajbmeb-1381	154	9	f.	f.	PROPN
ajbmeb-1381	154	10	,	,	PUNCT
ajbmeb-1381	154	11	promoting	promote	VERB
ajbmeb-1381	154	12	financial	financial	ADJ
ajbmeb-1381	154	13	inclusion	inclusion	NOUN
ajbmeb-1381	154	14	through	through	ADP
ajbmeb-1381	154	15	financial	financial	ADJ
ajbmeb-1381	154	16	education	education	NOUN
ajbmeb-1381	154	17	:	:	PUNCT
ajbmeb-1381	154	18	oecd	oecd	PROPN
ajbmeb-1381	154	19	/	/	SYM
ajbmeb-1381	154	20	infe	infe	NOUN
ajbmeb-1381	154	21	evidence	evidence	NOUN
ajbmeb-1381	154	22	,	,	PUNCT
ajbmeb-1381	154	23	policies	policy	NOUN
ajbmeb-1381	154	24	and	and	CCONJ
ajbmeb-1381	154	25	practice,2013	practice,2013	ADJ
ajbmeb-1381	154	26	,	,	PUNCT
ajbmeb-1381	154	27	https://dx.doi.org/10.1787/5k3xz6m88smp-en	https://dx.doi.org/10.1787/5k3xz6m88smp-en	ADJ
ajbmeb-1381	154	28	.	.	PUNCT
ajbmeb-1381	155	1	8	8	X
ajbmeb-1381	155	2	.	.	X
ajbmeb-1381	156	1	chitimira	chitimira	PROPN
ajbmeb-1381	156	2	,	,	PUNCT
ajbmeb-1381	156	3	h.	h.	PROPN
ajbmeb-1381	156	4	,	,	PUNCT
ajbmeb-1381	156	5	&	&	CCONJ
ajbmeb-1381	156	6	warikandwa	warikandwa	NOUN
ajbmeb-1381	156	7	,	,	PUNCT
ajbmeb-1381	156	8	t.	t.	PROPN
ajbmeb-1381	156	9	v.	v.	PROPN
ajbmeb-1381	156	10	(	(	PUNCT
ajbmeb-1381	156	11	2023	2023	NUM
ajbmeb-1381	156	12	)	)	PUNCT
ajbmeb-1381	156	13	.	.	PUNCT
ajbmeb-1381	157	1	financial	financial	ADJ
ajbmeb-1381	157	2	inclusion	inclusion	NOUN
ajbmeb-1381	157	3	as	as	ADP
ajbmeb-1381	157	4	an	an	DET
ajbmeb-1381	157	5	enabler	enabler	NOUN
ajbmeb-1381	157	6	of	of	ADP
ajbmeb-1381	157	7	united	united	PROPN
ajbmeb-1381	157	8	nations	nations	PROPN
ajbmeb-1381	157	9	sustainable	sustainable	ADJ
ajbmeb-1381	157	10	development	development	NOUN
ajbmeb-1381	157	11	goals	goal	NOUN
ajbmeb-1381	157	12	in	in	ADP
ajbmeb-1381	157	13	the	the	DET
ajbmeb-1381	157	14	twenty	twenty	NUM
ajbmeb-1381	157	15	-	-	PUNCT
ajbmeb-1381	157	16	first	first	ADJ
ajbmeb-1381	157	17	century	century	NOUN
ajbmeb-1381	157	18	:	:	PUNCT
ajbmeb-1381	157	19	an	an	DET
ajbmeb-1381	157	20	introduction	introduction	NOUN
ajbmeb-1381	157	21	.	.	PUNCT
ajbmeb-1381	158	1	in	in	ADP
ajbmeb-1381	158	2	financial	financial	ADJ
ajbmeb-1381	158	3	inclusion	inclusion	NOUN
ajbmeb-1381	158	4	and	and	CCONJ
ajbmeb-1381	158	5	digital	digital	ADJ
ajbmeb-1381	158	6	transformation	transformation	NOUN
ajbmeb-1381	158	7	regulatory	regulatory	ADJ
ajbmeb-1381	158	8	practices	practice	NOUN
ajbmeb-1381	158	9	in	in	ADP
ajbmeb-1381	158	10	selected	select	VERB
ajbmeb-1381	158	11	sadc	sadc	ADJ
ajbmeb-1381	158	12	countries	country	NOUN
ajbmeb-1381	158	13	:	:	PUNCT
ajbmeb-1381	158	14	south	south	PROPN
ajbmeb-1381	158	15	africa	africa	PROPN
ajbmeb-1381	158	16	,	,	PUNCT
ajbmeb-1381	158	17	namibia	namibia	PROPN
ajbmeb-1381	158	18	,	,	PUNCT
ajbmeb-1381	158	19	botswana	botswana	PROPN
ajbmeb-1381	158	20	and	and	CCONJ
ajbmeb-1381	158	21	zimbabwe	zimbabwe	PROPN
ajbmeb-1381	158	22	(	(	PUNCT
ajbmeb-1381	158	23	pp	pp	ADJ
ajbmeb-1381	158	24	.	.	PUNCT
ajbmeb-1381	158	25	1	1	NUM
ajbmeb-1381	158	26	-	-	SYM
ajbmeb-1381	158	27	22	22	NUM
ajbmeb-1381	158	28	)	)	PUNCT
ajbmeb-1381	158	29	.	.	PUNCT
ajbmeb-1381	159	1	cham	cham	PROPN
ajbmeb-1381	159	2	:	:	PUNCT
ajbmeb-1381	159	3	springer	springer	NOUN
ajbmeb-1381	159	4	international	international	ADJ
ajbmeb-1381	159	5	publishing	publishing	NOUN
ajbmeb-1381	159	6	.	.	PUNCT
ajbmeb-1381	160	1	9	9	X
ajbmeb-1381	160	2	.	.	X
ajbmeb-1381	160	3	clark	clark	PROPN
ajbmeb-1381	160	4	,	,	PUNCT
ajbmeb-1381	160	5	g.	g.	PROPN
ajbmeb-1381	160	6	,	,	PUNCT
ajbmeb-1381	160	7	marshall	marshall	PROPN
ajbmeb-1381	160	8	,	,	PUNCT
ajbmeb-1381	160	9	j.	j.	PROPN
ajbmeb-1381	160	10	,	,	PUNCT
ajbmeb-1381	160	11	strauss	strauss	PROPN
ajbmeb-1381	160	12	,	,	PUNCT
ajbmeb-1381	160	13	k.	k.	PROPN
ajbmeb-1381	160	14	,	,	PUNCT
ajbmeb-1381	160	15	financial	financial	ADJ
ajbmeb-1381	160	16	knowledge	knowledge	NOUN
ajbmeb-1381	160	17	,	,	PUNCT
ajbmeb-1381	160	18	2009	2009	NUM
ajbmeb-1381	160	19	elsevier	elsevier	PROPN
ajbmeb-1381	160	20	ltd	ltd	PROPN
ajbmeb-1381	160	21	.	.	PUNCT
ajbmeb-1381	161	1	all	all	DET
ajbmeb-1381	161	2	rights	right	NOUN
ajbmeb-1381	161	3	reserved	reserve	VERB
ajbmeb-1381	161	4	,	,	PUNCT
ajbmeb-1381	161	5	oxford	oxford	PROPN
ajbmeb-1381	161	6	university	university	PROPN
ajbmeb-1381	161	7	centre	centre	NOUN
ajbmeb-1381	161	8	for	for	ADP
ajbmeb-1381	161	9	the	the	DET
ajbmeb-1381	161	10	environment	environment	NOUN
ajbmeb-1381	161	11	,	,	PUNCT
ajbmeb-1381	161	12	oxford	oxford	PROPN
ajbmeb-1381	161	13	,	,	PUNCT
ajbmeb-1381	161	14	uk	uk	PROPN
ajbmeb-1381	161	15	.	.	PROPN
ajbmeb-1381	161	16	10	10	NUM
ajbmeb-1381	161	17	.	.	X
ajbmeb-1381	161	18	ehrlich	ehrlich	PROPN
ajbmeb-1381	161	19	,	,	PUNCT
ajbmeb-1381	161	20	e.	e.	PROPN
ajbmeb-1381	161	21	,	,	PUNCT
ajbmeb-1381	161	22	bath	bath	NOUN
ajbmeb-1381	161	23	,	,	PUNCT
ajbmeb-1381	161	24	a.	a.	PROPN
ajbmeb-1381	161	25	j.	j.	PROPN
ajbmeb-1381	161	26	,	,	PUNCT
ajbmeb-1381	161	27	niessner	niessner	PROPN
ajbmeb-1381	161	28	,	,	PUNCT
ajbmeb-1381	161	29	d.	d.	PROPN
ajbmeb-1381	161	30	,	,	PUNCT
ajbmeb-1381	161	31	koemle	koemle	PROPN
ajbmeb-1381	161	32	,	,	PUNCT
ajbmeb-1381	161	33	d.	d.	PROPN
ajbmeb-1381	161	34	,	,	PUNCT
ajbmeb-1381	161	35	cyrus	cyrus	PROPN
ajbmeb-1381	161	36	,	,	PUNCT
ajbmeb-1381	161	37	e.	e.	PROPN
ajbmeb-1381	161	38	m.	m.	PROPN
ajbmeb-1381	161	39	,	,	PUNCT
ajbmeb-1381	161	40	&	&	CCONJ
ajbmeb-1381	161	41	arlinghaus	arlinghaus	PROPN
ajbmeb-1381	161	42	,	,	PUNCT
ajbmeb-1381	161	43	r.	r.	PROPN
ajbmeb-1381	161	44	(	(	PUNCT
ajbmeb-1381	161	45	2023	2023	NUM
ajbmeb-1381	161	46	)	)	PUNCT
ajbmeb-1381	161	47	.	.	PUNCT
ajbmeb-1381	162	1	codesigning	codesigne	VERB
ajbmeb-1381	162	2	management	management	NOUN
ajbmeb-1381	162	3	recommendations	recommendation	NOUN
ajbmeb-1381	162	4	with	with	ADP
ajbmeb-1381	162	5	stakeholders	stakeholder	NOUN
ajbmeb-1381	162	6	:	:	PUNCT
ajbmeb-1381	162	7	a	a	DET
ajbmeb-1381	162	8	case	case	NOUN
ajbmeb-1381	162	9	study	study	NOUN
ajbmeb-1381	162	10	about	about	ADP
ajbmeb-1381	162	11	northern	northern	ADJ
ajbmeb-1381	162	12	pike	pike	NOUN
ajbmeb-1381	162	13	(	(	PUNCT
ajbmeb-1381	162	14	esox	esox	PROPN
ajbmeb-1381	162	15	lucius	lucius	NOUN
ajbmeb-1381	162	16	)	)	PUNCT
ajbmeb-1381	162	17	in	in	ADP
ajbmeb-1381	162	18	the	the	DET
ajbmeb-1381	162	19	southern	southern	PROPN
ajbmeb-1381	162	20	baltic	baltic	PROPN
ajbmeb-1381	162	21	sea	sea	PROPN
ajbmeb-1381	162	22	.	.	PUNCT
ajbmeb-1381	163	1	fisheries	fishery	NOUN
ajbmeb-1381	163	2	research	research	NOUN
ajbmeb-1381	163	3	,	,	PUNCT
ajbmeb-1381	163	4	263	263	NUM
ajbmeb-1381	163	5	,	,	PUNCT
ajbmeb-1381	163	6	106687	106687	NUM
ajbmeb-1381	163	7	.	.	PUNCT
ajbmeb-1381	164	1	https://dx.doi.org/10.1787/5k3xz6m88smp-en	https://dx.doi.org/10.1787/5k3xz6m88smp-en	VERB
ajbmeb-1381	164	2	american	american	PROPN
ajbmeb-1381	164	3	journal	journal	PROPN
ajbmeb-1381	164	4	of	of	ADP
ajbmeb-1381	164	5	business	business	NOUN
ajbmeb-1381	164	6	management	management	NOUN
ajbmeb-1381	164	7	,	,	PUNCT
ajbmeb-1381	164	8	economics	economic	NOUN
ajbmeb-1381	164	9	and	and	CCONJ
ajbmeb-1381	164	10	banking	banking	NOUN
ajbmeb-1381	164	11	volume	volume	NOUN
ajbmeb-1381	164	12	17	17	NUM
ajbmeb-1381	164	13	oct	oct	PROPN
ajbmeb-1381	164	14	.	.	PROPN
ajbmeb-1381	164	15	,	,	PUNCT
ajbmeb-1381	164	16	2023	2023	NUM
ajbmeb-1381	164	17	p	p	NOUN
ajbmeb-1381	164	18	a	a	PRON
ajbmeb-1381	164	19	g	g	NOUN
ajbmeb-1381	164	20	e	e	NOUN
ajbmeb-1381	164	21	|	|	ADV
ajbmeb-1381	164	22	100	100	NUM
ajbmeb-1381	164	23	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1381	164	24	11	11	NUM
ajbmeb-1381	164	25	.	.	PUNCT
ajbmeb-1381	165	1	khawar	khawar	PROPN
ajbmeb-1381	165	2	,	,	PUNCT
ajbmeb-1381	165	3	s.	s.	PROPN
ajbmeb-1381	165	4	,	,	PUNCT
ajbmeb-1381	165	5	sarwar	sarwar	PROPN
ajbmeb-1381	165	6	,	,	PUNCT
ajbmeb-1381	165	7	a.	a.	NOUN
ajbmeb-1381	165	8	,	,	PUNCT
ajbmeb-1381	165	9	financial	financial	ADJ
ajbmeb-1381	165	10	literacy	literacy	NOUN
ajbmeb-1381	165	11	and	and	CCONJ
ajbmeb-1381	165	12	fnancial	fnancial	ADJ
ajbmeb-1381	165	13	behavior	behavior	NOUN
ajbmeb-1381	165	14	with	with	ADP
ajbmeb-1381	165	15	the	the	DET
ajbmeb-1381	165	16	mediating	mediate	VERB
ajbmeb-1381	165	17	efect	efect	NOUN
ajbmeb-1381	165	18	of	of	ADP
ajbmeb-1381	165	19	family	family	NOUN
ajbmeb-1381	165	20	fnancial	fnancial	ADJ
ajbmeb-1381	165	21	socialization	socialization	NOUN
ajbmeb-1381	165	22	in	in	ADP
ajbmeb-1381	165	23	the	the	DET
ajbmeb-1381	165	24	fnancial	fnancial	ADJ
ajbmeb-1381	165	25	institutions	institution	NOUN
ajbmeb-1381	165	26	of	of	ADP
ajbmeb-1381	165	27	lahore	lahore	NOUN
ajbmeb-1381	165	28	,	,	PUNCT
ajbmeb-1381	165	29	future	future	ADJ
ajbmeb-1381	165	30	business	business	NOUN
ajbmeb-1381	165	31	journal	journal	NOUN
ajbmeb-1381	165	32	,	,	PUNCT
ajbmeb-1381	165	33	2021	2021	NUM
ajbmeb-1381	165	34	,	,	PUNCT
ajbmeb-1381	165	35	7(1):27	7(1):27	NUM
ajbmeb-1381	165	36	https://doi.org/10.1186/s43093-021-00064-x	https://doi.org/10.1186/s43093-021-00064-x	NOUN
ajbmeb-1381	165	37	.	.	PUNCT
ajbmeb-1381	166	1	12	12	NUM
ajbmeb-1381	166	2	.	.	PUNCT
ajbmeb-1381	167	1	morris	morris	PROPN
ajbmeb-1381	167	2	,	,	PUNCT
ajbmeb-1381	167	3	t.	t.	PROPN
ajbmeb-1381	167	4	,	,	PUNCT
ajbmeb-1381	167	5	maillet	maillet	PROPN
ajbmeb-1381	167	6	,	,	PUNCT
ajbmeb-1381	167	7	s.	s.	PROPN
ajbmeb-1381	167	8	,	,	PUNCT
ajbmeb-1381	167	9	koffi	koffi	PROPN
ajbmeb-1381	167	10	,	,	PUNCT
ajbmeb-1381	167	11	v.	v.	PROPN
ajbmeb-1381	167	12	,	,	PUNCT
ajbmeb-1381	167	13	financial	financial	ADJ
ajbmeb-1381	167	14	knowledge	knowledge	NOUN
ajbmeb-1381	167	15	,	,	PUNCT
ajbmeb-1381	167	16	financial	financial	ADJ
ajbmeb-1381	167	17	confidence	confidence	NOUN
ajbmeb-1381	167	18	and	and	CCONJ
ajbmeb-1381	167	19	learning	learn	VERB
ajbmeb-1381	167	20	capacity	capacity	NOUN
ajbmeb-1381	167	21	on	on	ADP
ajbmeb-1381	167	22	financial	financial	ADJ
ajbmeb-1381	167	23	behavior	behavior	NOUN
ajbmeb-1381	167	24	:	:	PUNCT
ajbmeb-1381	167	25	a	a	DET
ajbmeb-1381	167	26	canadian	canadian	ADJ
ajbmeb-1381	167	27	study	study	NOUN
ajbmeb-1381	167	28	,	,	PUNCT
ajbmeb-1381	167	29	cogent	cogent	ADJ
ajbmeb-1381	167	30	social	social	ADJ
ajbmeb-1381	167	31	sciences,2022,8:1	sciences,2022,8:1	PROPN
ajbmeb-1381	167	32	,	,	PUNCT
ajbmeb-1381	167	33	1996919	1996919	NUM
ajbmeb-1381	167	34	,	,	PUNCT
ajbmeb-1381	167	35	doi	doi	NOUN
ajbmeb-1381	167	36	:	:	PUNCT
ajbmeb-1381	167	37	10.1080/23311886.2021.1996919	10.1080/23311886.2021.1996919	NUM
ajbmeb-1381	167	38	.	.	NOUN
ajbmeb-1381	167	39	13	13	NUM
ajbmeb-1381	167	40	.	.	PUNCT
ajbmeb-1381	167	41	mudzingiri	mudzingiri	PROPN
ajbmeb-1381	167	42	,	,	PUNCT
ajbmeb-1381	167	43	c.	c.	NOUN
ajbmeb-1381	167	44	,	,	PUNCT
ajbmeb-1381	167	45	mwamba	mwamba	PROPN
ajbmeb-1381	167	46	,	,	PUNCT
ajbmeb-1381	167	47	j.	j.	PROPN
ajbmeb-1381	167	48	,	,	PUNCT
ajbmeb-1381	167	49	keyser	keyser	PROPN
ajbmeb-1381	167	50	,	,	PUNCT
ajbmeb-1381	167	51	j.	j.	PROPN
ajbmeb-1381	167	52	,	,	PUNCT
ajbmeb-1381	167	53	financial	financial	ADJ
ajbmeb-1381	167	54	behavior	behavior	NOUN
ajbmeb-1381	167	55	,	,	PUNCT
ajbmeb-1381	167	56	confidence	confidence	NOUN
ajbmeb-1381	167	57	,	,	PUNCT
ajbmeb-1381	167	58	risk	risk	NOUN
ajbmeb-1381	167	59	preferences	preference	NOUN
ajbmeb-1381	167	60	and	and	CCONJ
ajbmeb-1381	167	61	financial	financial	ADJ
ajbmeb-1381	167	62	literacy	literacy	NOUN
ajbmeb-1381	167	63	of	of	ADP
ajbmeb-1381	167	64	university	university	NOUN
ajbmeb-1381	167	65	students	student	NOUN
ajbmeb-1381	167	66	,	,	PUNCT
ajbmeb-1381	167	67	cogent	cogent	NOUN
ajbmeb-1381	167	68	economics	economic	NOUN
ajbmeb-1381	167	69	&	&	CCONJ
ajbmeb-1381	167	70	finance	finance	PROPN
ajbmeb-1381	167	71	(	(	PUNCT
ajbmeb-1381	167	72	2018	2018	NUM
ajbmeb-1381	167	73	)	)	PUNCT
ajbmeb-1381	167	74	,	,	PUNCT
ajbmeb-1381	167	75	6	6	NUM
ajbmeb-1381	167	76	:	:	PUNCT
ajbmeb-1381	167	77	1512366,https://doi.org/10.1080/23322039.2018.1512366	1512366,https://doi.org/10.1080/23322039.2018.1512366	NUM
ajbmeb-1381	167	78	.	.	PROPN
ajbmeb-1381	167	79	14	14	NUM
ajbmeb-1381	167	80	.	.	PUNCT
ajbmeb-1381	168	1	nguyen	nguyen	NOUN
ajbmeb-1381	168	2	,	,	PUNCT
ajbmeb-1381	168	3	t.	t.	PROPN
ajbmeb-1381	168	4	,	,	PUNCT
ajbmeb-1381	168	5	rózsa	rózsa	PROPN
ajbmeb-1381	168	6	,	,	PUNCT
ajbmeb-1381	168	7	z.	z.	PROPN
ajbmeb-1381	168	8	,	,	PUNCT
ajbmeb-1381	168	9	belás	belás	PROPN
ajbmeb-1381	168	10	,	,	PUNCT
ajbmeb-1381	168	11	j.	j.	PROPN
ajbmeb-1381	168	12	,	,	PUNCT
ajbmeb-1381	168	13	&	&	CCONJ
ajbmeb-1381	168	14	belásová	belásová	PROPN
ajbmeb-1381	168	15	,	,	PUNCT
ajbmeb-1381	168	16	l.	l.	PROPN
ajbmeb-1381	168	17	(	(	PUNCT
ajbmeb-1381	168	18	2017	2017	NUM
ajbmeb-1381	168	19	)	)	PUNCT
ajbmeb-1381	168	20	.	.	PUNCT
ajbmeb-1381	169	1	the	the	DET
ajbmeb-1381	169	2	effects	effect	NOUN
ajbmeb-1381	169	3	of	of	ADP
ajbmeb-1381	169	4	perceived	perceive	VERB
ajbmeb-1381	169	5	and	and	CCONJ
ajbmeb-1381	169	6	actual	actual	ADJ
ajbmeb-1381	169	7	financial	financial	ADJ
ajbmeb-1381	169	8	knowledge	knowledge	NOUN
ajbmeb-1381	169	9	on	on	ADP
ajbmeb-1381	169	10	regular	regular	ADJ
ajbmeb-1381	169	11	personal	personal	ADJ
ajbmeb-1381	169	12	savings	saving	NOUN
ajbmeb-1381	169	13	:	:	PUNCT
ajbmeb-1381	169	14	case	case	NOUN
ajbmeb-1381	169	15	of	of	ADP
ajbmeb-1381	169	16	vietnam	vietnam	PROPN
ajbmeb-1381	169	17	.	.	PUNCT
ajbmeb-1381	170	1	journal	journal	PROPN
ajbmeb-1381	170	2	of	of	ADP
ajbmeb-1381	170	3	international	international	ADJ
ajbmeb-1381	170	4	studies	study	NOUN
ajbmeb-1381	170	5	,	,	PUNCT
ajbmeb-1381	170	6	10(2	10(2	NUM
ajbmeb-1381	170	7	)	)	PUNCT
ajbmeb-1381	170	8	,	,	PUNCT
ajbmeb-1381	170	9	278	278	NUM
ajbmeb-1381	170	10	-	-	SYM
ajbmeb-1381	170	11	291	291	NUM
ajbmeb-1381	170	12	.	.	PUNCT
ajbmeb-1381	171	1	doi:10.14254/2071	doi:10.14254/2071	NOUN
ajbmeb-1381	171	2	-	-	PUNCT
ajbmeb-1381	171	3	8330.2017/10	8330.2017/10	NOUN
ajbmeb-1381	171	4	-	-	PUNCT
ajbmeb-1381	171	5	2/19	2/19	NUM
ajbmeb-1381	171	6	.	.	PUNCT
ajbmeb-1381	172	1	15	15	NUM
ajbmeb-1381	172	2	.	.	PUNCT
ajbmeb-1381	173	1	normawati	normawati	PROPN
ajbmeb-1381	173	2	,	,	PUNCT
ajbmeb-1381	173	3	r.	r.	PROPN
ajbmeb-1381	173	4	,	,	PUNCT
ajbmeb-1381	173	5	rahayu	rahayu	PROPN
ajbmeb-1381	173	6	,	,	PUNCT
ajbmeb-1381	173	7	s.	s.	PROPN
ajbmeb-1381	173	8	,	,	PUNCT
ajbmeb-1381	173	9	worokinasih	worokinasih	PROPN
ajbmeb-1381	173	10	,	,	PUNCT
ajbmeb-1381	173	11	s.	s.	PROPN
ajbmeb-1381	173	12	,	,	PUNCT
ajbmeb-1381	173	13	financial	financial	ADJ
ajbmeb-1381	173	14	knowledge	knowledge	NOUN
ajbmeb-1381	173	15	,	,	PUNCT
ajbmeb-1381	173	16	digital	digital	ADJ
ajbmeb-1381	173	17	financial	financial	ADJ
ajbmeb-1381	173	18	knowledge	knowledge	NOUN
ajbmeb-1381	173	19	,	,	PUNCT
ajbmeb-1381	173	20	financial	financial	ADJ
ajbmeb-1381	173	21	attitude	attitude	NOUN
ajbmeb-1381	173	22	,	,	PUNCT
ajbmeb-1381	173	23	financial	financial	ADJ
ajbmeb-1381	173	24	behaviour	behaviour	NOUN
ajbmeb-1381	173	25	and	and	CCONJ
ajbmeb-1381	173	26	financial	financial	ADJ
ajbmeb-1381	173	27	satisfaction	satisfaction	NOUN
ajbmeb-1381	173	28	on	on	ADP
ajbmeb-1381	173	29	millennials	millennial	NOUN
ajbmeb-1381	173	30	,	,	PUNCT
ajbmeb-1381	173	31	salatiga	salatiga	NOUN
ajbmeb-1381	173	32	,	,	PUNCT
ajbmeb-1381	173	33	indonesia	indonesia	PROPN
ajbmeb-1381	173	34	,	,	PUNCT
ajbmeb-1381	173	35	2021	2021	NUM
ajbmeb-1381	173	36	eai	eai	PROPN
ajbmeb-1381	173	37	,	,	PUNCT
ajbmeb-1381	173	38	doi	doi	X
ajbmeb-1381	173	39	10.4108	10.4108	NUM
ajbmeb-1381	173	40	/	/	SYM
ajbmeb-1381	173	41	eai.6	eai.6	PROPN
ajbmeb-1381	173	42	-	-	PUNCT
ajbmeb-1381	173	43	3	3	NUM
ajbmeb-1381	173	44	-	-	PUNCT
ajbmeb-1381	173	45	2021.2305967	2021.2305967	NUM
ajbmeb-1381	173	46	.	.	PUNCT
ajbmeb-1381	174	1	16	16	NUM
ajbmeb-1381	174	2	.	.	PUNCT
ajbmeb-1381	175	1	raaij	raaij	PROPN
ajbmeb-1381	175	2	,	,	PUNCT
ajbmeb-1381	175	3	w.	w.	PROPN
ajbmeb-1381	175	4	,f	,f	PUNCT
ajbmeb-1381	175	5	.	.	PUNCT
ajbmeb-1381	175	6	,	,	PUNCT
ajbmeb-1381	175	7	consumer	consumer	NOUN
ajbmeb-1381	175	8	financial	financial	ADJ
ajbmeb-1381	175	9	behavior	behavior	NOUN
ajbmeb-1381	175	10	,	,	PUNCT
ajbmeb-1381	175	11	foundations	foundation	NOUN
ajbmeb-1381	175	12	and	and	CCONJ
ajbmeb-1381	175	13	trendsr	trendsr	NOUN
ajbmeb-1381	175	14	in	in	ADP
ajbmeb-1381	175	15	marketing,2012	marketing,2012	PROPN
ajbmeb-1381	175	16	,	,	PUNCT
ajbmeb-1381	175	17	volume	volume	NOUN
ajbmeb-1381	175	18	7	7	NUM
ajbmeb-1381	175	19	issue	issue	NOUN
ajbmeb-1381	175	20	4	4	NUM
ajbmeb-1381	175	21	,	,	PUNCT
ajbmeb-1381	175	22	editorial	editorial	ADJ
ajbmeb-1381	175	23	board	board	NOUN
ajbmeb-1381	175	24	.	.	PUNCT
ajbmeb-1381	176	1	17	17	NUM
ajbmeb-1381	176	2	.	.	PUNCT
ajbmeb-1381	177	1	rahman	rahman	PROPN
ajbmeb-1381	177	2	,	,	PUNCT
ajbmeb-1381	177	3	m.	m.	NOUN
ajbmeb-1381	177	4	,	,	PUNCT
ajbmeb-1381	177	5	isa	isa	PROPN
ajbmeb-1381	177	6	,	,	PUNCT
ajbmeb-1381	177	7	c.	c.	PROPN
ajbmeb-1381	177	8	,	,	PUNCT
ajbmeb-1381	177	9	masud	masud	PROPN
ajbmeb-1381	177	10	,	,	PUNCT
ajbmeb-1381	177	11	m.	m.	NOUN
ajbmeb-1381	177	12	,	,	PUNCT
ajbmeb-1381	177	13	sarker	sarker	NOUN
ajbmeb-1381	177	14	,	,	PUNCT
ajbmeb-1381	177	15	m.	m.	NOUN
ajbmeb-1381	177	16	,	,	PUNCT
ajbmeb-1381	177	17	chowdhury	chowdhury	PROPN
ajbmeb-1381	177	18	,	,	PUNCT
ajbmeb-1381	177	19	n.	n.	PROPN
ajbmeb-1381	177	20	,	,	PUNCT
ajbmeb-1381	177	21	the	the	DET
ajbmeb-1381	177	22	role	role	NOUN
ajbmeb-1381	177	23	of	of	ADP
ajbmeb-1381	177	24	financial	financial	ADJ
ajbmeb-1381	177	25	behaviour	behaviour	NOUN
ajbmeb-1381	177	26	,	,	PUNCT
ajbmeb-1381	177	27	financial	financial	ADJ
ajbmeb-1381	177	28	literacy	literacy	NOUN
ajbmeb-1381	177	29	,	,	PUNCT
ajbmeb-1381	177	30	and	and	CCONJ
ajbmeb-1381	177	31	financial	financial	ADJ
ajbmeb-1381	177	32	stress	stress	NOUN
ajbmeb-1381	177	33	in	in	ADP
ajbmeb-1381	177	34	explaining	explain	VERB
ajbmeb-1381	177	35	the	the	DET
ajbmeb-1381	177	36	financial	financial	ADJ
ajbmeb-1381	177	37	well	well	NOUN
ajbmeb-1381	177	38	-	-	PUNCT
ajbmeb-1381	177	39	being	being	NOUN
ajbmeb-1381	177	40	of	of	ADP
ajbmeb-1381	177	41	b40	b40	NOUN
ajbmeb-1381	177	42	group	group	NOUN
ajbmeb-1381	177	43	in	in	ADP
ajbmeb-1381	177	44	malaysia	malaysia	PROPN
ajbmeb-1381	177	45	,	,	PUNCT
ajbmeb-1381	177	46	rahman	rahman	PROPN
ajbmeb-1381	177	47	et	et	PROPN
ajbmeb-1381	177	48	al	al	PROPN
ajbmeb-1381	177	49	.	.	PROPN
ajbmeb-1381	177	50	futur	futur	PROPN
ajbmeb-1381	177	51	bus	bus	NOUN
ajbmeb-1381	177	52	j	j	PROPN
ajbmeb-1381	177	53	2021	2021	NUM
ajbmeb-1381	177	54	,	,	PUNCT
ajbmeb-1381	177	55	7(1):52	7(1):52	NUM
ajbmeb-1381	177	56	https://doi.org/10.1186/s43093-021-00099-0	https://doi.org/10.1186/s43093-021-00099-0	NUM
ajbmeb-1381	177	57	.	.	PUNCT
ajbmeb-1381	178	1	18	18	NUM
ajbmeb-1381	178	2	.	.	X
ajbmeb-1381	178	3	robb	robb	NOUN
ajbmeb-1381	178	4	,	,	PUNCT
ajbmeb-1381	178	5	c.	c.	PROPN
ajbmeb-1381	178	6	,	,	PUNCT
ajbmeb-1381	178	7	woodyard	woodyard	PROPN
ajbmeb-1381	178	8	,	,	PUNCT
ajbmeb-1381	178	9	a.	a.	NOUN
ajbmeb-1381	178	10	,	,	PUNCT
ajbmeb-1381	178	11	financial	financial	ADJ
ajbmeb-1381	178	12	knowledge	knowledge	NOUN
ajbmeb-1381	178	13	and	and	CCONJ
ajbmeb-1381	178	14	best	good	ADJ
ajbmeb-1381	178	15	practice	practice	NOUN
ajbmeb-1381	178	16	behavior	behavior	NOUN
ajbmeb-1381	178	17	,	,	PUNCT
ajbmeb-1381	178	18	2011	2011	NUM
ajbmeb-1381	178	19	,	,	PUNCT
ajbmeb-1381	178	20	association	association	NOUN
ajbmeb-1381	178	21	for	for	ADP
ajbmeb-1381	178	22	financial	financial	ADJ
ajbmeb-1381	178	23	counseling	counseling	NOUN
ajbmeb-1381	178	24	and	and	CCONJ
ajbmeb-1381	178	25	planning	planning	NOUN
ajbmeb-1381	178	26	education	education	NOUN
ajbmeb-1381	178	27	®	®	NOUN
ajbmeb-1381	178	28	.	.	PUNCT
ajbmeb-1381	179	1	all	all	DET
ajbmeb-1381	179	2	rights	right	NOUN
ajbmeb-1381	179	3	of	of	ADP
ajbmeb-1381	179	4	reproduction	reproduction	NOUN
ajbmeb-1381	179	5	in	in	ADP
ajbmeb-1381	179	6	any	any	DET
ajbmeb-1381	179	7	form	form	NOUN
ajbmeb-1381	179	8	reserved	reserve	VERB
ajbmeb-1381	179	9	,	,	PUNCT
ajbmeb-1381	179	10	electronic	electronic	ADJ
ajbmeb-1381	179	11	copy	copy	NOUN
ajbmeb-1381	179	12	available	available	ADJ
ajbmeb-1381	179	13	at	at	ADP
ajbmeb-1381	179	14	:	:	PUNCT
ajbmeb-1381	179	15	http://ssrn.com/abstract=2061308	http://ssrn.com/abstract=2061308	PROPN
ajbmeb-1381	179	16	.	.	PROPN
ajbmeb-1381	179	17	19	19	NUM
ajbmeb-1381	179	18	.	.	X
ajbmeb-1381	179	19	santos	santos	PROPN
ajbmeb-1381	179	20	,	,	PUNCT
ajbmeb-1381	179	21	e.	e.	PROPN
ajbmeb-1381	179	22	,	,	PUNCT
ajbmeb-1381	179	23	tavares	tavares	PROPN
ajbmeb-1381	179	24	,	,	PUNCT
ajbmeb-1381	179	25	f.	f.	PROPN
ajbmeb-1381	179	26	,	,	PUNCT
ajbmeb-1381	179	27	the	the	DET
ajbmeb-1381	179	28	level	level	NOUN
ajbmeb-1381	179	29	of	of	ADP
ajbmeb-1381	179	30	knowledge	knowledge	NOUN
ajbmeb-1381	179	31	of	of	ADP
ajbmeb-1381	179	32	financial	financial	ADJ
ajbmeb-1381	179	33	literacy	literacy	NOUN
ajbmeb-1381	179	34	and	and	CCONJ
ajbmeb-1381	179	35	risk	risk	NOUN
ajbmeb-1381	179	36	of	of	ADP
ajbmeb-1381	179	37	the	the	DET
ajbmeb-1381	179	38	portuguese	portuguese	NOUN
ajbmeb-1381	179	39	,	,	PUNCT
ajbmeb-1381	179	40	eulália	eulália	PROPN
ajbmeb-1381	179	41	santos	santos	PROPN
ajbmeb-1381	179	42	,	,	PUNCT
ajbmeb-1381	179	43	fernando	fernando	PROPN
ajbmeb-1381	179	44	oliveira	oliveira	PROPN
ajbmeb-1381	179	45	tavares	tavares	PROPN
ajbmeb-1381	179	46	,	,	PUNCT
ajbmeb-1381	179	47	volume	volume	NOUN
ajbmeb-1381	179	48	13	13	NUM
ajbmeb-1381	179	49	|	|	CCONJ
ajbmeb-1381	179	50	2020	2020	NUM
ajbmeb-1381	179	51	|	|	ADV
ajbmeb-1381	179	52	number	number	NOUN
ajbmeb-1381	179	53	2	2	NUM
ajbmeb-1381	179	54	.	.	NOUN
ajbmeb-1381	179	55	20	20	NUM
ajbmeb-1381	179	56	.	.	PUNCT
ajbmeb-1381	180	1	sara	sara	PROPN
ajbmeb-1381	180	2	,	,	PUNCT
ajbmeb-1381	180	3	i.	i.	PROPN
ajbmeb-1381	180	4	m.	m.	PROPN
ajbmeb-1381	180	5	,	,	PUNCT
ajbmeb-1381	180	6	udayana	udayana	PROPN
ajbmeb-1381	180	7	putra	putra	PROPN
ajbmeb-1381	180	8	,	,	PUNCT
ajbmeb-1381	180	9	i.	i.	PROPN
ajbmeb-1381	180	10	b.	b.	PROPN
ajbmeb-1381	180	11	,	,	PUNCT
ajbmeb-1381	180	12	kurniawan	kurniawan	PROPN
ajbmeb-1381	180	13	saputra	saputra	PROPN
ajbmeb-1381	180	14	,	,	PUNCT
ajbmeb-1381	180	15	k.	k.	PROPN
ajbmeb-1381	180	16	a.	a.	PROPN
ajbmeb-1381	180	17	,	,	PUNCT
ajbmeb-1381	180	18	&	&	CCONJ
ajbmeb-1381	180	19	jaya	jaya	PROPN
ajbmeb-1381	180	20	utama	utama	PROPN
ajbmeb-1381	180	21	,	,	PUNCT
ajbmeb-1381	180	22	i.	i.	PROPN
ajbmeb-1381	180	23	w.	w.	PROPN
ajbmeb-1381	180	24	k.	k.	PROPN
ajbmeb-1381	180	25	(	(	PUNCT
ajbmeb-1381	180	26	2023	2023	NUM
ajbmeb-1381	180	27	)	)	PUNCT
ajbmeb-1381	180	28	.	.	PUNCT
ajbmeb-1381	181	1	financial	financial	ADJ
ajbmeb-1381	181	2	literacy	literacy	NOUN
ajbmeb-1381	181	3	,	,	PUNCT
ajbmeb-1381	181	4	morality	morality	NOUN
ajbmeb-1381	181	5	,	,	PUNCT
ajbmeb-1381	181	6	and	and	CCONJ
ajbmeb-1381	181	7	organizational	organizational	ADJ
ajbmeb-1381	181	8	culture	culture	NOUN
ajbmeb-1381	181	9	in	in	ADP
ajbmeb-1381	181	10	preventing	prevent	VERB
ajbmeb-1381	181	11	financial	financial	ADJ
ajbmeb-1381	181	12	mismanagement	mismanagement	NOUN
ajbmeb-1381	181	13	:	:	PUNCT
ajbmeb-1381	181	14	a	a	DET
ajbmeb-1381	181	15	study	study	NOUN
ajbmeb-1381	181	16	on	on	ADP
ajbmeb-1381	181	17	village	village	NOUN
ajbmeb-1381	181	18	governments	government	NOUN
ajbmeb-1381	181	19	in	in	ADP
ajbmeb-1381	181	20	indonesia	indonesia	PROPN
ajbmeb-1381	181	21	.	.	PUNCT
ajbmeb-1381	182	1	cogent	cogent	PROPN
ajbmeb-1381	182	2	business	business	PROPN
ajbmeb-1381	182	3	&	&	CCONJ
ajbmeb-1381	182	4	management	management	PROPN
ajbmeb-1381	182	5	,	,	PUNCT
ajbmeb-1381	182	6	10(1	10(1	NUM
ajbmeb-1381	182	7	)	)	PUNCT
ajbmeb-1381	182	8	,	,	PUNCT
ajbmeb-1381	182	9	2166038	2166038	NUM
ajbmeb-1381	182	10	.	.	PUNCT
ajbmeb-1381	183	1	21	21	NUM
ajbmeb-1381	183	2	.	.	PUNCT
ajbmeb-1381	183	3	scheerens	scheeren	NOUN
ajbmeb-1381	183	4	,	,	PUNCT
ajbmeb-1381	183	5	j.	j.	PROPN
ajbmeb-1381	183	6	(	(	PUNCT
ajbmeb-1381	183	7	2023	2023	NUM
ajbmeb-1381	183	8	)	)	PUNCT
ajbmeb-1381	183	9	.	.	PUNCT
ajbmeb-1381	184	1	theory	theory	NOUN
ajbmeb-1381	184	2	on	on	ADP
ajbmeb-1381	184	3	teaching	teach	VERB
ajbmeb-1381	184	4	effectiveness	effectiveness	NOUN
ajbmeb-1381	184	5	at	at	ADP
ajbmeb-1381	184	6	meta	meta	ADJ
ajbmeb-1381	184	7	,	,	PUNCT
ajbmeb-1381	184	8	general	general	ADJ
ajbmeb-1381	184	9	and	and	CCONJ
ajbmeb-1381	184	10	partial	partial	ADJ
ajbmeb-1381	184	11	level	level	NOUN
ajbmeb-1381	184	12	.	.	PUNCT
ajbmeb-1381	185	1	in	in	ADP
ajbmeb-1381	185	2	theorizing	theorize	VERB
ajbmeb-1381	185	3	teaching	teaching	NOUN
ajbmeb-1381	185	4	:	:	PUNCT
ajbmeb-1381	185	5	current	current	ADJ
ajbmeb-1381	185	6	status	status	NOUN
ajbmeb-1381	185	7	and	and	CCONJ
ajbmeb-1381	185	8	open	open	ADJ
ajbmeb-1381	185	9	issues	issue	NOUN
ajbmeb-1381	185	10	(	(	PUNCT
ajbmeb-1381	185	11	pp	pp	ADJ
ajbmeb-1381	185	12	.	.	PUNCT
ajbmeb-1381	185	13	97	97	NUM
ajbmeb-1381	185	14	-	-	SYM
ajbmeb-1381	185	15	130	130	NUM
ajbmeb-1381	185	16	)	)	PUNCT
ajbmeb-1381	185	17	.	.	PUNCT
ajbmeb-1381	185	18	cham	cham	PROPN
ajbmeb-1381	185	19	:	:	PUNCT
ajbmeb-1381	185	20	springer	springer	NOUN
ajbmeb-1381	185	21	international	international	ADJ
ajbmeb-1381	185	22	publishing	publishing	NOUN
ajbmeb-1381	185	23	.	.	PUNCT
ajbmeb-1381	186	1	22	22	NUM
ajbmeb-1381	186	2	.	.	PUNCT
ajbmeb-1381	187	1	scheresberg	scheresberg	PROPN
ajbmeb-1381	187	2	,	,	PUNCT
ajbmeb-1381	187	3	b.	b.	PROPN
ajbmeb-1381	187	4	,c	,c	PROPN
ajbmeb-1381	187	5	.	.	PUNCT
ajbmeb-1381	187	6	,financial	,financial	PUNCT
ajbmeb-1381	187	7	literacy	literacy	NOUN
ajbmeb-1381	187	8	and	and	CCONJ
ajbmeb-1381	187	9	financial	financial	ADJ
ajbmeb-1381	187	10	behavior	behavior	NOUN
ajbmeb-1381	187	11	among	among	ADP
ajbmeb-1381	187	12	young	young	ADJ
ajbmeb-1381	187	13	adults	adult	NOUN
ajbmeb-1381	187	14	:	:	PUNCT
ajbmeb-1381	187	15	evidence	evidence	NOUN
ajbmeb-1381	187	16	and	and	CCONJ
ajbmeb-1381	187	17	implications,2013,numeracy	implications,2013,numeracy	NOUN
ajbmeb-1381	187	18	:	:	PUNCT
ajbmeb-1381	187	19	vol	vol	NOUN
ajbmeb-1381	187	20	.	.	PROPN
ajbmeb-1381	188	1	6	6	NUM
ajbmeb-1381	188	2	:	:	PUNCT
ajbmeb-1381	188	3	iss	iss	PROPN
ajbmeb-1381	188	4	.	.	PROPN
ajbmeb-1381	189	1	2	2	NUM
ajbmeb-1381	189	2	,	,	PUNCT
ajbmeb-1381	189	3	article	article	NOUN
ajbmeb-1381	189	4	5.doi	5.doi	AUX
ajbmeb-1381	189	5	:	:	PUNCT
ajbmeb-1381	189	6	http://dx.doi.org/10.5038/19364660.6.2.5	http://dx.doi.org/10.5038/19364660.6.2.5	ADJ
ajbmeb-1381	189	7	.	.	PUNCT
ajbmeb-1381	190	1	23	23	NUM
ajbmeb-1381	190	2	.	.	X
ajbmeb-1381	190	3	tang	tang	PROPN
ajbmeb-1381	190	4	,	,	PUNCT
ajbmeb-1381	190	5	n.	n.	PROPN
ajbmeb-1381	190	6	,	,	PUNCT
ajbmeb-1381	190	7	baker	baker	PROPN
ajbmeb-1381	190	8	,	,	PUNCT
ajbmeb-1381	190	9	a.	a.	NOUN
ajbmeb-1381	190	10	,	,	PUNCT
ajbmeb-1381	190	11	self	self	NOUN
ajbmeb-1381	190	12	-	-	PUNCT
ajbmeb-1381	190	13	esteem	esteem	NOUN
ajbmeb-1381	190	14	,	,	PUNCT
ajbmeb-1381	190	15	financial	financial	ADJ
ajbmeb-1381	190	16	knowledge	knowledge	NOUN
ajbmeb-1381	190	17	and	and	CCONJ
ajbmeb-1381	190	18	financial	financial	ADJ
ajbmeb-1381	190	19	behavior	behavior	NOUN
ajbmeb-1381	190	20	,	,	PUNCT
ajbmeb-1381	190	21	journal	journal	NOUN
ajbmeb-1381	190	22	of	of	ADP
ajbmeb-1381	190	23	economic	economic	ADJ
ajbmeb-1381	190	24	psychology	psychology	NOUN
ajbmeb-1381	190	25	54	54	NUM
ajbmeb-1381	190	26	(	(	PUNCT
ajbmeb-1381	190	27	2016	2016	NUM
ajbmeb-1381	190	28	)	)	PUNCT
ajbmeb-1381	190	29	164–176	164–176	NUM
ajbmeb-1381	190	30	.	.	PUNCT
ajbmeb-1381	191	1	24	24	NUM
ajbmeb-1381	191	2	.	.	PUNCT
ajbmeb-1381	191	3	yogasnumurti	yogasnumurti	PROPN
ajbmeb-1381	191	4	,	,	PUNCT
ajbmeb-1381	191	5	r.	r.	PROPN
ajbmeb-1381	191	6	,	,	PUNCT
ajbmeb-1381	191	7	sadalia	sadalia	PROPN
ajbmeb-1381	191	8	,	,	PUNCT
ajbmeb-1381	191	9	i.	i.	NOUN
ajbmeb-1381	191	10	,	,	PUNCT
ajbmeb-1381	191	11	irawati	irawati	NOUN
ajbmeb-1381	191	12	,	,	PUNCT
ajbmeb-1381	191	13	n.	n.	NOUN
ajbmeb-1381	191	14	,	,	PUNCT
ajbmeb-1381	191	15	the	the	DET
ajbmeb-1381	191	16	effect	effect	NOUN
ajbmeb-1381	191	17	of	of	ADP
ajbmeb-1381	191	18	financial	financial	ADJ
ajbmeb-1381	191	19	,	,	PUNCT
ajbmeb-1381	191	20	attitude	attitude	NOUN
ajbmeb-1381	191	21	,	,	PUNCT
ajbmeb-1381	191	22	and	and	CCONJ
ajbmeb-1381	191	23	financial	financial	ADJ
ajbmeb-1381	191	24	knowledge	knowledge	NOUN
ajbmeb-1381	191	25	on	on	ADP
ajbmeb-1381	191	26	the	the	DET
ajbmeb-1381	191	27	personal	personal	ADJ
ajbmeb-1381	191	28	finance	finance	NOUN
ajbmeb-1381	191	29	management	management	NOUN
ajbmeb-1381	191	30	of	of	ADP
ajbmeb-1381	191	31	college	college	NOUN
ajbmeb-1381	191	32	collage	collage	NOUN
ajbmeb-1381	191	33	students	student	NOUN
ajbmeb-1381	191	34	,	,	PUNCT
ajbmeb-1381	191	35	in	in	ADP
ajbmeb-1381	191	36	proceedings	proceeding	NOUN
ajbmeb-1381	191	37	of	of	ADP
ajbmeb-1381	191	38	the	the	DET
ajbmeb-1381	191	39	2nd	2nd	ADJ
ajbmeb-1381	191	40	economics	economic	NOUN
ajbmeb-1381	191	41	and	and	CCONJ
ajbmeb-1381	191	42	business	business	NOUN
ajbmeb-1381	191	43	international	international	ADJ
ajbmeb-1381	191	44	conference	conference	NOUN
ajbmeb-1381	191	45	(	(	PUNCT
ajbmeb-1381	191	46	ebic	ebic	ADJ
ajbmeb-1381	191	47	2019	2019	NUM
ajbmeb-1381	191	48	)	)	PUNCT
ajbmeb-1381	191	49	economics	economic	NOUN
ajbmeb-1381	191	50	and	and	CCONJ
ajbmeb-1381	191	51	business	business	NOUN
ajbmeb-1381	191	52	in	in	ADP
ajbmeb-1381	191	53	industrial	industrial	ADJ
ajbmeb-1381	191	54	revolution	revolution	NOUN
ajbmeb-1381	191	55	,	,	PUNCT
ajbmeb-1381	191	56	2021	2021	NUM
ajbmeb-1381	191	57	,	,	PUNCT
ajbmeb-1381	191	58	pages	page	NOUN
ajbmeb-1381	191	59	649	649	NUM
ajbmeb-1381	191	60	-	-	SYM
ajbmeb-1381	191	61	657	657	NUM
ajbmeb-1381	191	62	.	.	PUNCT
ajbmeb-1381	192	1	25	25	NUM
ajbmeb-1381	192	2	.	.	X
ajbmeb-1381	193	1	yong	yong	PROPN
ajbmeb-1381	193	2	,	,	PUNCT
ajbmeb-1381	193	3	c.	c.	PROPN
ajbmeb-1381	193	4	,	,	PUNCT
ajbmeb-1381	193	5	yew	yew	PROPN
ajbmeb-1381	193	6	,	,	PUNCT
ajbmeb-1381	193	7	s.	s.	PROPN
ajbmeb-1381	193	8	,	,	PUNCT
ajbmeb-1381	193	9	wee	wee	PROPN
ajbmeb-1381	193	10	,	,	PUNCT
ajbmeb-1381	193	11	c.	c.	NOUN
ajbmeb-1381	193	12	,	,	PUNCT
ajbmeb-1381	193	13	financial	financial	ADJ
ajbmeb-1381	193	14	knowledge	knowledge	NOUN
ajbmeb-1381	193	15	,	,	PUNCT
ajbmeb-1381	193	16	attitude	attitude	NOUN
ajbmeb-1381	193	17	and	and	CCONJ
ajbmeb-1381	193	18	behaviour	behaviour	NOUN
ajbmeb-1381	193	19	of	of	ADP
ajbmeb-1381	193	20	young	young	ADJ
ajbmeb-1381	193	21	working	work	VERB
ajbmeb-1381	193	22	adults	adult	NOUN
ajbmeb-1381	193	23	in	in	ADP
ajbmeb-1381	193	24	malaysia	malaysia	PROPN
ajbmeb-1381	193	25	,	,	PUNCT
ajbmeb-1381	193	26	institutions	institution	NOUN
ajbmeb-1381	193	27	and	and	CCONJ
ajbmeb-1381	193	28	economies	economy	NOUN
ajbmeb-1381	193	29	,	,	PUNCT
ajbmeb-1381	193	30	vol	vol	NOUN
ajbmeb-1381	193	31	.	.	PROPN
ajbmeb-1381	193	32	10	10	NUM
ajbmeb-1381	193	33	,	,	PUNCT
ajbmeb-1381	193	34	no	no	INTJ
ajbmeb-1381	193	35	.	.	NOUN
ajbmeb-1381	193	36	4	4	NUM
ajbmeb-1381	193	37	,	,	PUNCT
ajbmeb-1381	193	38	october	october	PROPN
ajbmeb-1381	193	39	2018	2018	NUM
ajbmeb-1381	193	40	,	,	PUNCT
ajbmeb-1381	193	41	pp	pp	ADJ
ajbmeb-1381	193	42	.	.	PUNCT
ajbmeb-1381	193	43	2148	2148	NUM
ajbmeb-1381	193	44	.	.	PUNCT
ajbmeb-1381	194	1	26	26	NUM
ajbmeb-1381	194	2	.	.	X
ajbmeb-1381	195	1	zhang	zhang	PROPN
ajbmeb-1381	195	2	,	,	PUNCT
ajbmeb-1381	195	3	y.	y.	PROPN
ajbmeb-1381	195	4	,	,	PUNCT
ajbmeb-1381	195	5	&	&	CCONJ
ajbmeb-1381	195	6	chatterjee	chatterjee	PROPN
ajbmeb-1381	195	7	,	,	PUNCT
ajbmeb-1381	195	8	s.	s.	PROPN
ajbmeb-1381	195	9	(	(	PUNCT
ajbmeb-1381	195	10	2023	2023	NUM
ajbmeb-1381	195	11	)	)	PUNCT
ajbmeb-1381	195	12	.	.	PUNCT
ajbmeb-1381	196	1	financial	financial	ADJ
ajbmeb-1381	196	2	well	well	ADV
ajbmeb-1381	196	3	-	-	PUNCT
ajbmeb-1381	196	4	being	being	NOUN
ajbmeb-1381	196	5	in	in	ADP
ajbmeb-1381	196	6	the	the	DET
ajbmeb-1381	196	7	united	united	PROPN
ajbmeb-1381	196	8	states	states	PROPN
ajbmeb-1381	196	9	:	:	PUNCT
ajbmeb-1381	196	10	the	the	DET
ajbmeb-1381	196	11	roles	role	NOUN
ajbmeb-1381	196	12	of	of	ADP
ajbmeb-1381	196	13	financial	financial	ADJ
ajbmeb-1381	196	14	literacy	literacy	NOUN
ajbmeb-1381	196	15	and	and	CCONJ
ajbmeb-1381	196	16	financial	financial	ADJ
ajbmeb-1381	196	17	stress	stress	NOUN
ajbmeb-1381	196	18	.	.	PUNCT
ajbmeb-1381	197	1	sustainability	sustainability	NOUN
ajbmeb-1381	197	2	,	,	PUNCT
ajbmeb-1381	197	3	15(5	15(5	NUM
ajbmeb-1381	197	4	)	)	PUNCT
ajbmeb-1381	197	5	,	,	PUNCT
ajbmeb-1381	197	6	4505	4505	NUM
ajbmeb-1381	197	7	.	.	PUNCT
ajbmeb-1381	198	1	https://doi.org/10.1186/s43093-021-00064-x	https://doi.org/10.1186/s43093-021-00064-x	PROPN
ajbmeb-1381	198	2	https://doi.org/10.1186/s43093-021-00099-0	https://doi.org/10.1186/s43093-021-00099-0	NUM
ajbmeb-1381	198	3	http://ssrn.com/abstract=2061308	http://ssrn.com/abstract=2061308	ADP
ajbmeb-1381	198	4	http://dx.doi.org/10.5038/1936-4660.6.2.5	http://dx.doi.org/10.5038/1936-4660.6.2.5	PROPN
ajbmeb-1381	198	5	http://dx.doi.org/10.5038/1936-4660.6.2.5	http://dx.doi.org/10.5038/1936-4660.6.2.5	ADJ