id	sid	tid	token	lemma	pos
ajbmeb-2427	1	1	american	american	PROPN
ajbmeb-2427	1	2	journal	journal	PROPN
ajbmeb-2427	1	3	of	of	ADP
ajbmeb-2427	1	4	business	business	NOUN
ajbmeb-2427	1	5	management	management	NOUN
ajbmeb-2427	1	6	,	,	PUNCT
ajbmeb-2427	1	7	economics	economic	NOUN
ajbmeb-2427	1	8	and	and	CCONJ
ajbmeb-2427	1	9	banking	banking	NOUN
ajbmeb-2427	1	10	issn	issn	PROPN
ajbmeb-2427	1	11	(	(	PUNCT
ajbmeb-2427	1	12	e	e	NOUN
ajbmeb-2427	1	13	):	):	PUNCT
ajbmeb-2427	1	14	2832	2832	NUM
ajbmeb-2427	1	15	-	-	SYM
ajbmeb-2427	1	16	8078	8078	NUM
ajbmeb-2427	1	17	volume	volume	NOUN
ajbmeb-2427	1	18	29	29	NUM
ajbmeb-2427	1	19	,	,	PUNCT
ajbmeb-2427	1	20	|	|	ADV
ajbmeb-2427	1	21	october	october	PROPN
ajbmeb-2427	1	22	2024	2024	NUM
ajbmeb-2427	1	23	p	p	NOUN
ajbmeb-2427	1	24	a	a	DET
ajbmeb-2427	1	25	g	g	NOUN
ajbmeb-2427	1	26	e	e	PROPN
ajbmeb-2427	1	27	|	|	ADV
ajbmeb-2427	1	28	65	65	NUM
ajbmeb-2427	1	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2427	1	30	possibilities	possibility	NOUN
ajbmeb-2427	1	31	of	of	ADP
ajbmeb-2427	1	32	banks	bank	NOUN
ajbmeb-2427	1	33	to	to	PART
ajbmeb-2427	1	34	increase	increase	VERB
ajbmeb-2427	1	35	lending	lending	NOUN
ajbmeb-2427	1	36	efficiency	efficiency	NOUN
ajbmeb-2427	1	37	of	of	ADP
ajbmeb-2427	1	38	territories	territory	NOUN
ajbmeb-2427	1	39	buribaev	buribaev	PROPN
ajbmeb-2427	1	40	erkinjon	erkinjon	NOUN
ajbmeb-2427	1	41	narbay	narbay	PROPN
ajbmeb-2427	1	42	ugli	ugli	PROPN
ajbmeb-2427	1	43	gulistan	gulistan	PROPN
ajbmeb-2427	1	44	state	state	PROPN
ajbmeb-2427	1	45	university	university	PROPN
ajbmeb-2427	1	46	doctoral	doctoral	ADJ
ajbmeb-2427	1	47	student	student	NOUN
ajbmeb-2427	1	48	,	,	PUNCT
ajbmeb-2427	1	49	ph.d	ph.d	PROPN
ajbmeb-2427	1	50	е	е	NOUN
ajbmeb-2427	1	51	-	-	NOUN
ajbmeb-2427	1	52	mail	mail	NOUN
ajbmeb-2427	1	53	:	:	PUNCT
ajbmeb-2427	2	1	boribayeverkinjon@gmail.com	boribayeverkinjon@gmail.com	X
ajbmeb-2427	2	2	orcid:0009	orcid:0009	SYM
ajbmeb-2427	2	3	-	-	PUNCT
ajbmeb-2427	2	4	0003	0003	NUM
ajbmeb-2427	2	5	-	-	PUNCT
ajbmeb-2427	2	6	9113	9113	NUM
ajbmeb-2427	2	7	-	-	SYM
ajbmeb-2427	2	8	7423	7423	NUM
ajbmeb-2427	2	9	a	a	DET
ajbmeb-2427	2	10	b	b	PROPN
ajbmeb-2427	2	11	s	s	ADP
ajbmeb-2427	2	12	t	t	PROPN
ajbmeb-2427	2	13	r	r	NOUN
ajbmeb-2427	2	14	a	a	DET
ajbmeb-2427	2	15	c	c	NOUN
ajbmeb-2427	2	16	t	t	NOUN
ajbmeb-2427	2	17	k	k	X
ajbmeb-2427	2	18	e	e	PROPN
ajbmeb-2427	2	19	y	y	PROPN
ajbmeb-2427	2	20	w	w	NOUN
ajbmeb-2427	2	21	o	o	NOUN
ajbmeb-2427	2	22	r	r	NOUN
ajbmeb-2427	2	23	d	d	X
ajbmeb-2427	2	24	s	s	VERB
ajbmeb-2427	2	25	the	the	DET
ajbmeb-2427	2	26	article	article	NOUN
ajbmeb-2427	2	27	analyzes	analyze	VERB
ajbmeb-2427	2	28	the	the	DET
ajbmeb-2427	2	29	significance	significance	NOUN
ajbmeb-2427	2	30	of	of	ADP
ajbmeb-2427	2	31	commercial	commercial	ADJ
ajbmeb-2427	2	32	banks	bank	NOUN
ajbmeb-2427	2	33	in	in	ADP
ajbmeb-2427	2	34	regional	regional	ADJ
ajbmeb-2427	2	35	lending	lending	NOUN
ajbmeb-2427	2	36	and	and	CCONJ
ajbmeb-2427	2	37	its	its	PRON
ajbmeb-2427	2	38	impact	impact	NOUN
ajbmeb-2427	2	39	on	on	ADP
ajbmeb-2427	2	40	economic	economic	ADJ
ajbmeb-2427	2	41	development	development	NOUN
ajbmeb-2427	2	42	.	.	PUNCT
ajbmeb-2427	3	1	loans	loan	NOUN
ajbmeb-2427	3	2	provided	provide	VERB
ajbmeb-2427	3	3	by	by	ADP
ajbmeb-2427	3	4	banks	bank	NOUN
ajbmeb-2427	3	5	play	play	VERB
ajbmeb-2427	3	6	a	a	DET
ajbmeb-2427	3	7	crucial	crucial	ADJ
ajbmeb-2427	3	8	role	role	NOUN
ajbmeb-2427	3	9	in	in	ADP
ajbmeb-2427	3	10	supporting	support	VERB
ajbmeb-2427	3	11	stable	stable	ADJ
ajbmeb-2427	3	12	regional	regional	ADJ
ajbmeb-2427	3	13	development	development	NOUN
ajbmeb-2427	3	14	and	and	CCONJ
ajbmeb-2427	3	15	small	small	ADJ
ajbmeb-2427	3	16	and	and	CCONJ
ajbmeb-2427	3	17	medium	medium	ADJ
ajbmeb-2427	3	18	enterprises	enterprise	NOUN
ajbmeb-2427	3	19	.	.	PUNCT
ajbmeb-2427	4	1	the	the	DET
ajbmeb-2427	4	2	main	main	ADJ
ajbmeb-2427	4	3	challenges	challenge	NOUN
ajbmeb-2427	4	4	in	in	ADP
ajbmeb-2427	4	5	the	the	DET
ajbmeb-2427	4	6	lending	lending	NOUN
ajbmeb-2427	4	7	process	process	NOUN
ajbmeb-2427	4	8	,	,	PUNCT
ajbmeb-2427	4	9	such	such	ADJ
ajbmeb-2427	4	10	as	as	ADP
ajbmeb-2427	4	11	high	high	ADJ
ajbmeb-2427	4	12	interest	interest	NOUN
ajbmeb-2427	4	13	rates	rate	NOUN
ajbmeb-2427	4	14	,	,	PUNCT
ajbmeb-2427	4	15	low	low	ADJ
ajbmeb-2427	4	16	financial	financial	ADJ
ajbmeb-2427	4	17	literacy	literacy	NOUN
ajbmeb-2427	4	18	,	,	PUNCT
ajbmeb-2427	4	19	and	and	CCONJ
ajbmeb-2427	4	20	underdeveloped	underdeveloped	ADJ
ajbmeb-2427	4	21	infrastructure	infrastructure	NOUN
ajbmeb-2427	4	22	,	,	PUNCT
ajbmeb-2427	4	23	are	be	AUX
ajbmeb-2427	4	24	examined	examine	VERB
ajbmeb-2427	4	25	.	.	PUNCT
ajbmeb-2427	5	1	the	the	DET
ajbmeb-2427	5	2	article	article	NOUN
ajbmeb-2427	5	3	also	also	ADV
ajbmeb-2427	5	4	provides	provide	VERB
ajbmeb-2427	5	5	recommendations	recommendation	NOUN
ajbmeb-2427	5	6	based	base	VERB
ajbmeb-2427	5	7	on	on	ADP
ajbmeb-2427	5	8	advanced	advanced	ADJ
ajbmeb-2427	5	9	international	international	ADJ
ajbmeb-2427	5	10	practices	practice	NOUN
ajbmeb-2427	5	11	to	to	PART
ajbmeb-2427	5	12	support	support	VERB
ajbmeb-2427	5	13	regional	regional	ADJ
ajbmeb-2427	5	14	development	development	NOUN
ajbmeb-2427	5	15	in	in	ADP
ajbmeb-2427	5	16	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	5	17	.	.	PUNCT
ajbmeb-2427	6	1	regional	regional	ADJ
ajbmeb-2427	6	2	lending	lending	NOUN
ajbmeb-2427	6	3	,	,	PUNCT
ajbmeb-2427	6	4	commercial	commercial	ADJ
ajbmeb-2427	6	5	banks	bank	NOUN
ajbmeb-2427	6	6	,	,	PUNCT
ajbmeb-2427	6	7	economic	economic	ADJ
ajbmeb-2427	6	8	development	development	NOUN
ajbmeb-2427	6	9	,	,	PUNCT
ajbmeb-2427	6	10	small	small	ADJ
ajbmeb-2427	6	11	and	and	CCONJ
ajbmeb-2427	6	12	medium	medium	ADJ
ajbmeb-2427	6	13	enterprises	enterprise	NOUN
ajbmeb-2427	6	14	,	,	PUNCT
ajbmeb-2427	6	15	financial	financial	ADJ
ajbmeb-2427	6	16	literacy	literacy	NOUN
ajbmeb-2427	6	17	.	.	PUNCT
ajbmeb-2427	7	1	introduction	introduction	NOUN
ajbmeb-2427	7	2	regional	regional	ADJ
ajbmeb-2427	7	3	lending	lending	NOUN
ajbmeb-2427	7	4	is	be	AUX
ajbmeb-2427	7	5	an	an	DET
ajbmeb-2427	7	6	important	important	ADJ
ajbmeb-2427	7	7	tool	tool	NOUN
ajbmeb-2427	7	8	for	for	ADP
ajbmeb-2427	7	9	supporting	support	VERB
ajbmeb-2427	7	10	economic	economic	ADJ
ajbmeb-2427	7	11	development	development	NOUN
ajbmeb-2427	7	12	in	in	ADP
ajbmeb-2427	7	13	developing	develop	VERB
ajbmeb-2427	7	14	countries	country	NOUN
ajbmeb-2427	7	15	.	.	PUNCT
ajbmeb-2427	8	1	in	in	ADP
ajbmeb-2427	8	2	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	8	3	,	,	PUNCT
ajbmeb-2427	8	4	the	the	DET
ajbmeb-2427	8	5	process	process	NOUN
ajbmeb-2427	8	6	of	of	ADP
ajbmeb-2427	8	7	crediting	crediting	NOUN
ajbmeb-2427	8	8	regions	region	NOUN
ajbmeb-2427	8	9	has	have	VERB
ajbmeb-2427	8	10	a	a	DET
ajbmeb-2427	8	11	special	special	ADJ
ajbmeb-2427	8	12	place	place	NOUN
ajbmeb-2427	8	13	in	in	ADP
ajbmeb-2427	8	14	the	the	DET
ajbmeb-2427	8	15	state	state	NOUN
ajbmeb-2427	8	16	policy	policy	NOUN
ajbmeb-2427	8	17	because	because	SCONJ
ajbmeb-2427	8	18	bank	bank	NOUN
ajbmeb-2427	8	19	loans	loan	NOUN
ajbmeb-2427	8	20	play	play	VERB
ajbmeb-2427	8	21	an	an	DET
ajbmeb-2427	8	22	important	important	ADJ
ajbmeb-2427	8	23	role	role	NOUN
ajbmeb-2427	8	24	in	in	ADP
ajbmeb-2427	8	25	reducing	reduce	VERB
ajbmeb-2427	8	26	economic	economic	ADJ
ajbmeb-2427	8	27	differences	difference	NOUN
ajbmeb-2427	8	28	between	between	ADP
ajbmeb-2427	8	29	regions	region	NOUN
ajbmeb-2427	8	30	and	and	CCONJ
ajbmeb-2427	8	31	developing	develop	VERB
ajbmeb-2427	8	32	small	small	ADJ
ajbmeb-2427	8	33	and	and	CCONJ
ajbmeb-2427	8	34	medium	medium	ADJ
ajbmeb-2427	8	35	-	-	PUNCT
ajbmeb-2427	8	36	sized	sized	ADJ
ajbmeb-2427	8	37	businesses	business	NOUN
ajbmeb-2427	8	38	.	.	PUNCT
ajbmeb-2427	9	1	decree	decree	NOUN
ajbmeb-2427	9	2	no	no	NOUN
ajbmeb-2427	9	3	.	.	PUNCT
ajbmeb-2427	10	1	5789	5789	NUM
ajbmeb-2427	10	2	of	of	ADP
ajbmeb-2427	10	3	the	the	DET
ajbmeb-2427	10	4	president	president	NOUN
ajbmeb-2427	10	5	of	of	ADP
ajbmeb-2427	10	6	the	the	DET
ajbmeb-2427	10	7	republic	republic	NOUN
ajbmeb-2427	10	8	of	of	ADP
ajbmeb-2427	10	9	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	10	10	,	,	PUNCT
ajbmeb-2427	10	11	"	"	PUNCT
ajbmeb-2427	10	12	on	on	ADP
ajbmeb-2427	10	13	measures	measure	NOUN
ajbmeb-2427	10	14	to	to	PART
ajbmeb-2427	10	15	support	support	VERB
ajbmeb-2427	10	16	regional	regional	ADJ
ajbmeb-2427	10	17	economic	economic	ADJ
ajbmeb-2427	10	18	development	development	NOUN
ajbmeb-2427	10	19	and	and	CCONJ
ajbmeb-2427	10	20	lending	lending	NOUN
ajbmeb-2427	10	21	,	,	PUNCT
ajbmeb-2427	10	22	"	"	PUNCT
ajbmeb-2427	10	23	is	be	AUX
ajbmeb-2427	10	24	aimed	aim	VERB
ajbmeb-2427	10	25	at	at	ADP
ajbmeb-2427	10	26	encouraging	encourage	VERB
ajbmeb-2427	10	27	regional	regional	ADJ
ajbmeb-2427	10	28	lending	lending	NOUN
ajbmeb-2427	10	29	and	and	CCONJ
ajbmeb-2427	10	30	encouraging	encourage	VERB
ajbmeb-2427	10	31	commercial	commercial	ADJ
ajbmeb-2427	10	32	banks	bank	NOUN
ajbmeb-2427	10	33	to	to	PART
ajbmeb-2427	10	34	allocate	allocate	VERB
ajbmeb-2427	10	35	more	more	ADJ
ajbmeb-2427	10	36	finance	finance	NOUN
ajbmeb-2427	10	37	to	to	ADP
ajbmeb-2427	10	38	the	the	DET
ajbmeb-2427	10	39	agricultural	agricultural	ADJ
ajbmeb-2427	10	40	and	and	CCONJ
ajbmeb-2427	10	41	industrial	industrial	ADJ
ajbmeb-2427	10	42	sectors[2	sectors[2	PROPN
ajbmeb-2427	10	43	]	]	PUNCT
ajbmeb-2427	10	44	.	.	PUNCT
ajbmeb-2427	11	1	also	also	ADV
ajbmeb-2427	11	2	,	,	PUNCT
ajbmeb-2427	11	3	the	the	DET
ajbmeb-2427	11	4	amount	amount	NOUN
ajbmeb-2427	11	5	of	of	ADP
ajbmeb-2427	11	6	loans	loan	NOUN
ajbmeb-2427	11	7	directed	direct	VERB
ajbmeb-2427	11	8	by	by	ADP
ajbmeb-2427	11	9	banks	bank	NOUN
ajbmeb-2427	11	10	to	to	ADP
ajbmeb-2427	11	11	small	small	ADJ
ajbmeb-2427	11	12	and	and	CCONJ
ajbmeb-2427	11	13	medium	medium	ADJ
ajbmeb-2427	11	14	business	business	NOUN
ajbmeb-2427	11	15	entities	entity	NOUN
ajbmeb-2427	11	16	is	be	AUX
ajbmeb-2427	11	17	increasing	increase	VERB
ajbmeb-2427	11	18	.	.	PUNCT
ajbmeb-2427	12	1	at	at	ADP
ajbmeb-2427	12	2	the	the	DET
ajbmeb-2427	12	3	same	same	ADJ
ajbmeb-2427	12	4	time	time	NOUN
ajbmeb-2427	12	5	,	,	PUNCT
ajbmeb-2427	12	6	there	there	PRON
ajbmeb-2427	12	7	are	be	VERB
ajbmeb-2427	12	8	a	a	DET
ajbmeb-2427	12	9	number	number	NOUN
ajbmeb-2427	12	10	of	of	ADP
ajbmeb-2427	12	11	problems	problem	NOUN
ajbmeb-2427	12	12	in	in	ADP
ajbmeb-2427	12	13	the	the	DET
ajbmeb-2427	12	14	regional	regional	ADJ
ajbmeb-2427	12	15	lending	lending	NOUN
ajbmeb-2427	12	16	process	process	NOUN
ajbmeb-2427	12	17	,	,	PUNCT
ajbmeb-2427	12	18	one	one	NUM
ajbmeb-2427	12	19	of	of	ADP
ajbmeb-2427	12	20	which	which	PRON
ajbmeb-2427	12	21	is	be	AUX
ajbmeb-2427	12	22	high	high	ADJ
ajbmeb-2427	12	23	interest	interest	NOUN
ajbmeb-2427	12	24	rates	rate	NOUN
ajbmeb-2427	12	25	and	and	CCONJ
ajbmeb-2427	12	26	low	low	ADJ
ajbmeb-2427	12	27	financial	financial	ADJ
ajbmeb-2427	12	28	literacy	literacy	NOUN
ajbmeb-2427	12	29	.	.	PUNCT
ajbmeb-2427	13	1	the	the	DET
ajbmeb-2427	13	2	underdevelopment	underdevelopment	NOUN
ajbmeb-2427	13	3	of	of	ADP
ajbmeb-2427	13	4	infrastructure	infrastructure	NOUN
ajbmeb-2427	13	5	and	and	CCONJ
ajbmeb-2427	13	6	limited	limited	ADJ
ajbmeb-2427	13	7	access	access	NOUN
ajbmeb-2427	13	8	to	to	ADP
ajbmeb-2427	13	9	bank	bank	NOUN
ajbmeb-2427	13	10	loans	loan	NOUN
ajbmeb-2427	13	11	,	,	PUNCT
ajbmeb-2427	13	12	especially	especially	ADV
ajbmeb-2427	13	13	in	in	ADP
ajbmeb-2427	13	14	rural	rural	ADJ
ajbmeb-2427	13	15	areas	area	NOUN
ajbmeb-2427	13	16	,	,	PUNCT
ajbmeb-2427	13	17	remain	remain	VERB
ajbmeb-2427	13	18	one	one	NUM
ajbmeb-2427	13	19	of	of	ADP
ajbmeb-2427	13	20	the	the	DET
ajbmeb-2427	13	21	important	important	ADJ
ajbmeb-2427	13	22	obstacles	obstacle	NOUN
ajbmeb-2427	13	23	.	.	PUNCT
ajbmeb-2427	14	1	in	in	ADP
ajbmeb-2427	14	2	2023	2023	NUM
ajbmeb-2427	14	3	,	,	PUNCT
ajbmeb-2427	14	4	the	the	DET
ajbmeb-2427	14	5	volume	volume	NOUN
ajbmeb-2427	14	6	of	of	ADP
ajbmeb-2427	14	7	lending	lending	NOUN
ajbmeb-2427	14	8	in	in	ADP
ajbmeb-2427	14	9	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	14	10	will	will	AUX
ajbmeb-2427	14	11	reach	reach	VERB
ajbmeb-2427	14	12	496	496	NUM
ajbmeb-2427	14	13	trillion	trillion	NUM
ajbmeb-2427	14	14	soums	soum	NOUN
ajbmeb-2427	14	15	,	,	PUNCT
ajbmeb-2427	14	16	but	but	CCONJ
ajbmeb-2427	14	17	economic	economic	ADJ
ajbmeb-2427	14	18	activity	activity	NOUN
ajbmeb-2427	14	19	in	in	ADP
ajbmeb-2427	14	20	some	some	DET
ajbmeb-2427	14	21	remote	remote	ADJ
ajbmeb-2427	14	22	areas	area	NOUN
ajbmeb-2427	14	23	is	be	AUX
ajbmeb-2427	14	24	still	still	ADV
ajbmeb-2427	14	25	at	at	ADP
ajbmeb-2427	14	26	a	a	DET
ajbmeb-2427	14	27	low	low	ADJ
ajbmeb-2427	14	28	level[1	level[1	NOUN
ajbmeb-2427	14	29	]	]	PUNCT
ajbmeb-2427	14	30	.	.	PUNCT
ajbmeb-2427	15	1	it	it	PRON
ajbmeb-2427	15	2	is	be	AUX
ajbmeb-2427	15	3	important	important	ADJ
ajbmeb-2427	15	4	to	to	PART
ajbmeb-2427	15	5	strengthen	strengthen	VERB
ajbmeb-2427	15	6	the	the	DET
ajbmeb-2427	15	7	cooperation	cooperation	NOUN
ajbmeb-2427	15	8	between	between	ADP
ajbmeb-2427	15	9	commercial	commercial	ADJ
ajbmeb-2427	15	10	banks	bank	NOUN
ajbmeb-2427	15	11	and	and	CCONJ
ajbmeb-2427	15	12	the	the	DET
ajbmeb-2427	15	13	state	state	NOUN
ajbmeb-2427	15	14	,	,	PUNCT
ajbmeb-2427	15	15	as	as	ADV
ajbmeb-2427	15	16	well	well	ADV
ajbmeb-2427	15	17	as	as	ADP
ajbmeb-2427	15	18	to	to	PART
ajbmeb-2427	15	19	apply	apply	VERB
ajbmeb-2427	15	20	the	the	DET
ajbmeb-2427	15	21	experience	experience	NOUN
ajbmeb-2427	15	22	of	of	ADP
ajbmeb-2427	15	23	developed	develop	VERB
ajbmeb-2427	15	24	countries	country	NOUN
ajbmeb-2427	15	25	,	,	PUNCT
ajbmeb-2427	15	26	in	in	ADP
ajbmeb-2427	15	27	order	order	NOUN
ajbmeb-2427	15	28	to	to	PART
ajbmeb-2427	15	29	effectively	effectively	ADV
ajbmeb-2427	15	30	establish	establish	VERB
ajbmeb-2427	15	31	regional	regional	ADJ
ajbmeb-2427	15	32	lending	lending	NOUN
ajbmeb-2427	15	33	and	and	CCONJ
ajbmeb-2427	15	34	further	far	ADV
ajbmeb-2427	15	35	develop	develop	VERB
ajbmeb-2427	15	36	it	it	PRON
ajbmeb-2427	15	37	.	.	PUNCT
ajbmeb-2427	16	1	the	the	DET
ajbmeb-2427	16	2	article	article	NOUN
ajbmeb-2427	16	3	analyzes	analyze	VERB
ajbmeb-2427	16	4	the	the	DET
ajbmeb-2427	16	5	role	role	NOUN
ajbmeb-2427	16	6	of	of	ADP
ajbmeb-2427	16	7	commercial	commercial	ADJ
ajbmeb-2427	16	8	banks	bank	NOUN
ajbmeb-2427	16	9	in	in	ADP
ajbmeb-2427	16	10	the	the	DET
ajbmeb-2427	16	11	process	process	NOUN
ajbmeb-2427	16	12	of	of	ADP
ajbmeb-2427	16	13	crediting	credit	VERB
ajbmeb-2427	16	14	regions	region	NOUN
ajbmeb-2427	16	15	,	,	PUNCT
ajbmeb-2427	16	16	its	its	PRON
ajbmeb-2427	16	17	impact	impact	NOUN
ajbmeb-2427	16	18	on	on	ADP
ajbmeb-2427	16	19	economic	economic	ADJ
ajbmeb-2427	16	20	development	development	NOUN
ajbmeb-2427	16	21	,	,	PUNCT
ajbmeb-2427	16	22	and	and	CCONJ
ajbmeb-2427	16	23	the	the	DET
ajbmeb-2427	16	24	possibilities	possibility	NOUN
ajbmeb-2427	16	25	of	of	ADP
ajbmeb-2427	16	26	improving	improve	VERB
ajbmeb-2427	16	27	this	this	DET
ajbmeb-2427	16	28	process	process	NOUN
ajbmeb-2427	16	29	.	.	PUNCT
ajbmeb-2427	17	1	american	american	ADJ
ajbmeb-2427	17	2	journal	journal	PROPN
ajbmeb-2427	17	3	of	of	ADP
ajbmeb-2427	17	4	business	business	NOUN
ajbmeb-2427	17	5	management	management	NOUN
ajbmeb-2427	17	6	,	,	PUNCT
ajbmeb-2427	17	7	economics	economic	NOUN
ajbmeb-2427	17	8	and	and	CCONJ
ajbmeb-2427	17	9	banking	banking	NOUN
ajbmeb-2427	17	10	volume	volume	NOUN
ajbmeb-2427	17	11	29	29	NUM
ajbmeb-2427	17	12	october	october	PROPN
ajbmeb-2427	17	13	2024	2024	NUM
ajbmeb-2427	17	14	p	p	NOUN
ajbmeb-2427	17	15	a	a	DET
ajbmeb-2427	17	16	g	g	NOUN
ajbmeb-2427	17	17	e	e	NOUN
ajbmeb-2427	17	18	|	|	ADV
ajbmeb-2427	17	19	66	66	NUM
ajbmeb-2427	17	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2427	17	21	material	material	NOUN
ajbmeb-2427	17	22	and	and	CCONJ
ajbmeb-2427	17	23	method	method	NOUN
ajbmeb-2427	17	24	in	in	ADP
ajbmeb-2427	17	25	the	the	DET
ajbmeb-2427	17	26	preparation	preparation	NOUN
ajbmeb-2427	17	27	of	of	ADP
ajbmeb-2427	17	28	this	this	DET
ajbmeb-2427	17	29	article	article	NOUN
ajbmeb-2427	17	30	,	,	PUNCT
ajbmeb-2427	17	31	the	the	DET
ajbmeb-2427	17	32	sources	source	NOUN
ajbmeb-2427	17	33	that	that	PRON
ajbmeb-2427	17	34	serve	serve	VERB
ajbmeb-2427	17	35	to	to	PART
ajbmeb-2427	17	36	increase	increase	VERB
ajbmeb-2427	17	37	the	the	DET
ajbmeb-2427	17	38	efficiency	efficiency	NOUN
ajbmeb-2427	17	39	and	and	CCONJ
ajbmeb-2427	17	40	lending	lending	NOUN
ajbmeb-2427	17	41	of	of	ADP
ajbmeb-2427	17	42	commercial	commercial	ADJ
ajbmeb-2427	17	43	banks	bank	NOUN
ajbmeb-2427	17	44	to	to	ADP
ajbmeb-2427	17	45	the	the	DET
ajbmeb-2427	17	46	regions	region	NOUN
ajbmeb-2427	17	47	and	and	CCONJ
ajbmeb-2427	17	48	the	the	DET
ajbmeb-2427	17	49	data	datum	NOUN
ajbmeb-2427	17	50	of	of	ADP
ajbmeb-2427	17	51	the	the	DET
ajbmeb-2427	17	52	world	world	NOUN
ajbmeb-2427	17	53	bank	bank	PROPN
ajbmeb-2427	17	54	were	be	AUX
ajbmeb-2427	17	55	analyzed	analyze	VERB
ajbmeb-2427	17	56	.	.	PUNCT
ajbmeb-2427	18	1	based	base	VERB
ajbmeb-2427	18	2	on	on	ADP
ajbmeb-2427	18	3	the	the	DET
ajbmeb-2427	18	4	method	method	NOUN
ajbmeb-2427	18	5	of	of	ADP
ajbmeb-2427	18	6	comparative	comparative	ADJ
ajbmeb-2427	18	7	analysis	analysis	NOUN
ajbmeb-2427	18	8	,	,	PUNCT
ajbmeb-2427	18	9	the	the	DET
ajbmeb-2427	18	10	credit	credit	NOUN
ajbmeb-2427	18	11	system	system	NOUN
ajbmeb-2427	18	12	in	in	ADP
ajbmeb-2427	18	13	each	each	DET
ajbmeb-2427	18	14	country	country	NOUN
ajbmeb-2427	18	15	and	and	CCONJ
ajbmeb-2427	18	16	their	their	PRON
ajbmeb-2427	18	17	contribution	contribution	NOUN
ajbmeb-2427	18	18	to	to	ADP
ajbmeb-2427	18	19	regional	regional	ADJ
ajbmeb-2427	18	20	development	development	NOUN
ajbmeb-2427	18	21	were	be	AUX
ajbmeb-2427	18	22	studied	study	VERB
ajbmeb-2427	18	23	.	.	PUNCT
ajbmeb-2427	19	1	results	result	NOUN
ajbmeb-2427	19	2	research	research	NOUN
ajbmeb-2427	19	3	into	into	ADP
ajbmeb-2427	19	4	the	the	DET
ajbmeb-2427	19	5	role	role	NOUN
ajbmeb-2427	19	6	of	of	ADP
ajbmeb-2427	19	7	commercial	commercial	ADJ
ajbmeb-2427	19	8	banks	bank	NOUN
ajbmeb-2427	19	9	in	in	ADP
ajbmeb-2427	19	10	regional	regional	ADJ
ajbmeb-2427	19	11	lending	lending	NOUN
ajbmeb-2427	19	12	shows	show	VERB
ajbmeb-2427	19	13	that	that	SCONJ
ajbmeb-2427	19	14	lending	lending	NOUN
ajbmeb-2427	19	15	to	to	ADP
ajbmeb-2427	19	16	small	small	ADJ
ajbmeb-2427	19	17	businesses	business	NOUN
ajbmeb-2427	19	18	and	and	CCONJ
ajbmeb-2427	19	19	private	private	ADJ
ajbmeb-2427	19	20	entrepreneurs	entrepreneur	NOUN
ajbmeb-2427	19	21	(	(	PUNCT
ajbmeb-2427	19	22	sbes	sbe	NOUN
ajbmeb-2427	19	23	)	)	PUNCT
ajbmeb-2427	19	24	in	in	ADP
ajbmeb-2427	19	25	rural	rural	ADJ
ajbmeb-2427	19	26	areas	area	NOUN
ajbmeb-2427	19	27	has	have	AUX
ajbmeb-2427	19	28	historically	historically	ADV
ajbmeb-2427	19	29	been	be	AUX
ajbmeb-2427	19	30	low	low	ADJ
ajbmeb-2427	19	31	.	.	PUNCT
ajbmeb-2427	20	1	however	however	ADV
ajbmeb-2427	20	2	,	,	PUNCT
ajbmeb-2427	20	3	government	government	NOUN
ajbmeb-2427	20	4	initiatives	initiative	NOUN
ajbmeb-2427	20	5	have	have	AUX
ajbmeb-2427	20	6	helped	help	VERB
ajbmeb-2427	20	7	increase	increase	VERB
ajbmeb-2427	20	8	lending	lending	NOUN
ajbmeb-2427	20	9	in	in	ADP
ajbmeb-2427	20	10	recent	recent	ADJ
ajbmeb-2427	20	11	years	year	NOUN
ajbmeb-2427	20	12	.	.	PUNCT
ajbmeb-2427	21	1	as	as	SCONJ
ajbmeb-2427	21	2	noted	note	VERB
ajbmeb-2427	21	3	by	by	ADP
ajbmeb-2427	21	4	economist	economist	NOUN
ajbmeb-2427	21	5	shodmonov	shodmonov	NOUN
ajbmeb-2427	21	6	,	,	PUNCT
ajbmeb-2427	21	7	although	although	SCONJ
ajbmeb-2427	21	8	lending	lend	VERB
ajbmeb-2427	21	9	to	to	ADP
ajbmeb-2427	21	10	small	small	ADJ
ajbmeb-2427	21	11	and	and	CCONJ
ajbmeb-2427	21	12	medium	medium	ADJ
ajbmeb-2427	21	13	-	-	PUNCT
ajbmeb-2427	21	14	sized	sized	ADJ
ajbmeb-2427	21	15	enterprises	enterprise	NOUN
ajbmeb-2427	21	16	in	in	ADP
ajbmeb-2427	21	17	rural	rural	ADJ
ajbmeb-2427	21	18	areas	area	NOUN
ajbmeb-2427	21	19	was	be	AUX
ajbmeb-2427	21	20	previously	previously	ADV
ajbmeb-2427	21	21	at	at	ADP
ajbmeb-2427	21	22	a	a	DET
ajbmeb-2427	21	23	low	low	ADJ
ajbmeb-2427	21	24	level	level	NOUN
ajbmeb-2427	21	25	,	,	PUNCT
ajbmeb-2427	21	26	statesponsored	statesponsore	VERB
ajbmeb-2427	21	27	programs	program	NOUN
ajbmeb-2427	21	28	played	play	VERB
ajbmeb-2427	21	29	an	an	DET
ajbmeb-2427	21	30	important	important	ADJ
ajbmeb-2427	21	31	role	role	NOUN
ajbmeb-2427	21	32	in	in	ADP
ajbmeb-2427	21	33	expanding	expand	VERB
ajbmeb-2427	21	34	credit	credit	NOUN
ajbmeb-2427	21	35	opportunities	opportunity	NOUN
ajbmeb-2427	21	36	in	in	ADP
ajbmeb-2427	21	37	rural	rural	ADJ
ajbmeb-2427	21	38	areas[4	areas[4	NOUN
ajbmeb-2427	21	39	]	]	PUNCT
ajbmeb-2427	21	40	.	.	PUNCT
ajbmeb-2427	22	1	in	in	ADP
ajbmeb-2427	22	2	particular	particular	ADJ
ajbmeb-2427	22	3	,	,	PUNCT
ajbmeb-2427	22	4	rural	rural	ADJ
ajbmeb-2427	22	5	areas	area	NOUN
ajbmeb-2427	22	6	such	such	ADJ
ajbmeb-2427	22	7	as	as	ADP
ajbmeb-2427	22	8	the	the	DET
ajbmeb-2427	22	9	fergana	fergana	PROPN
ajbmeb-2427	22	10	valley	valley	PROPN
ajbmeb-2427	22	11	and	and	CCONJ
ajbmeb-2427	22	12	karakalpakstan	karakalpakstan	PROPN
ajbmeb-2427	22	13	are	be	AUX
ajbmeb-2427	22	14	areas	area	NOUN
ajbmeb-2427	22	15	that	that	PRON
ajbmeb-2427	22	16	can	can	AUX
ajbmeb-2427	22	17	not	not	PART
ajbmeb-2427	22	18	attract	attract	VERB
ajbmeb-2427	22	19	sufficient	sufficient	ADJ
ajbmeb-2427	22	20	investment	investment	NOUN
ajbmeb-2427	22	21	,	,	PUNCT
ajbmeb-2427	22	22	sodikova	sodikova	VERB
ajbmeb-2427	22	23	says[6	says[6	ADV
ajbmeb-2427	22	24	]	]	PUNCT
ajbmeb-2427	22	25	.	.	PUNCT
ajbmeb-2427	23	1	according	accord	VERB
ajbmeb-2427	23	2	to	to	ADP
ajbmeb-2427	23	3	him	he	PRON
ajbmeb-2427	23	4	,	,	PUNCT
ajbmeb-2427	23	5	the	the	DET
ajbmeb-2427	23	6	problems	problem	NOUN
ajbmeb-2427	23	7	in	in	ADP
ajbmeb-2427	23	8	these	these	DET
ajbmeb-2427	23	9	regions	region	NOUN
ajbmeb-2427	23	10	are	be	AUX
ajbmeb-2427	23	11	often	often	ADV
ajbmeb-2427	23	12	related	relate	VERB
ajbmeb-2427	23	13	to	to	ADP
ajbmeb-2427	23	14	the	the	DET
ajbmeb-2427	23	15	conservative	conservative	ADJ
ajbmeb-2427	23	16	lending	lending	NOUN
ajbmeb-2427	23	17	criteria	criterion	NOUN
ajbmeb-2427	23	18	of	of	ADP
ajbmeb-2427	23	19	the	the	DET
ajbmeb-2427	23	20	banking	banking	NOUN
ajbmeb-2427	23	21	sector	sector	NOUN
ajbmeb-2427	23	22	,	,	PUNCT
ajbmeb-2427	23	23	which	which	PRON
ajbmeb-2427	23	24	often	often	ADV
ajbmeb-2427	23	25	do	do	AUX
ajbmeb-2427	23	26	not	not	PART
ajbmeb-2427	23	27	correspond	correspond	VERB
ajbmeb-2427	23	28	to	to	ADP
ajbmeb-2427	23	29	the	the	DET
ajbmeb-2427	23	30	economic	economic	ADJ
ajbmeb-2427	23	31	needs	need	NOUN
ajbmeb-2427	23	32	of	of	ADP
ajbmeb-2427	23	33	the	the	DET
ajbmeb-2427	23	34	regions	region	NOUN
ajbmeb-2427	23	35	.	.	PUNCT
ajbmeb-2427	24	1	in	in	ADP
ajbmeb-2427	24	2	addition	addition	NOUN
ajbmeb-2427	24	3	,	,	PUNCT
ajbmeb-2427	24	4	the	the	DET
ajbmeb-2427	24	5	government	government	NOUN
ajbmeb-2427	24	6	introduced	introduce	VERB
ajbmeb-2427	24	7	special	special	ADJ
ajbmeb-2427	24	8	credit	credit	NOUN
ajbmeb-2427	24	9	programs	program	NOUN
ajbmeb-2427	24	10	for	for	ADP
ajbmeb-2427	24	11	key	key	ADJ
ajbmeb-2427	24	12	sectors	sector	NOUN
ajbmeb-2427	24	13	such	such	ADJ
ajbmeb-2427	24	14	as	as	ADP
ajbmeb-2427	24	15	agriculture	agriculture	NOUN
ajbmeb-2427	24	16	and	and	CCONJ
ajbmeb-2427	24	17	industry	industry	NOUN
ajbmeb-2427	24	18	in	in	ADP
ajbmeb-2427	24	19	the	the	DET
ajbmeb-2427	24	20	bukhara	bukhara	PROPN
ajbmeb-2427	24	21	and	and	CCONJ
ajbmeb-2427	24	22	khorezm	khorezm	VERB
ajbmeb-2427	24	23	regions	region	NOUN
ajbmeb-2427	24	24	.	.	PUNCT
ajbmeb-2427	25	1	these	these	DET
ajbmeb-2427	25	2	programs	program	NOUN
ajbmeb-2427	25	3	are	be	AUX
ajbmeb-2427	25	4	supplemented	supplement	VERB
ajbmeb-2427	25	5	by	by	ADP
ajbmeb-2427	25	6	subsidies	subsidy	NOUN
ajbmeb-2427	25	7	and	and	CCONJ
ajbmeb-2427	25	8	tax	tax	NOUN
ajbmeb-2427	25	9	breaks	break	NOUN
ajbmeb-2427	25	10	to	to	PART
ajbmeb-2427	25	11	encourage	encourage	VERB
ajbmeb-2427	25	12	banks	bank	NOUN
ajbmeb-2427	25	13	to	to	PART
ajbmeb-2427	25	14	invest	invest	VERB
ajbmeb-2427	25	15	more	more	ADV
ajbmeb-2427	25	16	in	in	ADP
ajbmeb-2427	25	17	regional	regional	ADJ
ajbmeb-2427	25	18	projects	project	NOUN
ajbmeb-2427	25	19	.	.	PUNCT
ajbmeb-2427	26	1	according	accord	VERB
ajbmeb-2427	26	2	to	to	ADP
ajbmeb-2427	26	3	karimov	karimov	ADJ
ajbmeb-2427	26	4	,	,	PUNCT
ajbmeb-2427	26	5	state	state	NOUN
ajbmeb-2427	26	6	-	-	PUNCT
ajbmeb-2427	26	7	supported	support	VERB
ajbmeb-2427	26	8	initiatives	initiative	NOUN
ajbmeb-2427	26	9	have	have	AUX
ajbmeb-2427	26	10	achieved	achieve	VERB
ajbmeb-2427	26	11	some	some	DET
ajbmeb-2427	26	12	success	success	NOUN
ajbmeb-2427	26	13	,	,	PUNCT
ajbmeb-2427	26	14	and	and	CCONJ
ajbmeb-2427	26	15	between	between	ADP
ajbmeb-2427	26	16	2018	2018	NUM
ajbmeb-2427	26	17	and	and	CCONJ
ajbmeb-2427	26	18	2020	2020	NUM
ajbmeb-2427	26	19	,	,	PUNCT
ajbmeb-2427	26	20	loan	loan	NOUN
ajbmeb-2427	26	21	portfolios	portfolio	NOUN
ajbmeb-2427	26	22	in	in	ADP
ajbmeb-2427	26	23	the	the	DET
ajbmeb-2427	26	24	regions	region	NOUN
ajbmeb-2427	26	25	increased	increase	VERB
ajbmeb-2427	26	26	by	by	ADP
ajbmeb-2427	26	27	approximately	approximately	ADV
ajbmeb-2427	26	28	15%[3	15%[3	NOUN
ajbmeb-2427	26	29	]	]	PUNCT
ajbmeb-2427	26	30	.	.	PUNCT
ajbmeb-2427	27	1	however	however	ADV
ajbmeb-2427	27	2	,	,	PUNCT
ajbmeb-2427	27	3	issues	issue	NOUN
ajbmeb-2427	27	4	such	such	ADJ
ajbmeb-2427	27	5	as	as	ADP
ajbmeb-2427	27	6	high	high	ADJ
ajbmeb-2427	27	7	interest	interest	NOUN
ajbmeb-2427	27	8	rates	rate	NOUN
ajbmeb-2427	27	9	and	and	CCONJ
ajbmeb-2427	27	10	limited	limited	ADJ
ajbmeb-2427	27	11	access	access	NOUN
ajbmeb-2427	27	12	to	to	ADP
ajbmeb-2427	27	13	capital	capital	NOUN
ajbmeb-2427	27	14	for	for	ADP
ajbmeb-2427	27	15	small	small	ADJ
ajbmeb-2427	27	16	businesses	business	NOUN
ajbmeb-2427	27	17	still	still	ADV
ajbmeb-2427	27	18	remain	remain	VERB
ajbmeb-2427	27	19	significant	significant	ADJ
ajbmeb-2427	27	20	barriers	barrier	NOUN
ajbmeb-2427	27	21	.	.	PUNCT
ajbmeb-2427	28	1	infrastructure	infrastructure	NOUN
ajbmeb-2427	28	2	development	development	NOUN
ajbmeb-2427	28	3	is	be	AUX
ajbmeb-2427	28	4	another	another	DET
ajbmeb-2427	28	5	important	important	ADJ
ajbmeb-2427	28	6	factor	factor	NOUN
ajbmeb-2427	28	7	affecting	affect	VERB
ajbmeb-2427	28	8	the	the	DET
ajbmeb-2427	28	9	efficiency	efficiency	NOUN
ajbmeb-2427	28	10	of	of	ADP
ajbmeb-2427	28	11	regional	regional	ADJ
ajbmeb-2427	28	12	lending	lending	NOUN
ajbmeb-2427	28	13	.	.	PUNCT
ajbmeb-2427	29	1	banks	bank	NOUN
ajbmeb-2427	29	2	are	be	AUX
ajbmeb-2427	29	3	generally	generally	ADV
ajbmeb-2427	29	4	more	more	ADV
ajbmeb-2427	29	5	inclined	inclined	ADJ
ajbmeb-2427	29	6	to	to	PART
ajbmeb-2427	29	7	lend	lend	VERB
ajbmeb-2427	29	8	in	in	ADP
ajbmeb-2427	29	9	areas	area	NOUN
ajbmeb-2427	29	10	with	with	ADP
ajbmeb-2427	29	11	well	well	ADV
ajbmeb-2427	29	12	-	-	PUNCT
ajbmeb-2427	29	13	developed	develop	VERB
ajbmeb-2427	29	14	infrastructure	infrastructure	NOUN
ajbmeb-2427	29	15	.	.	PUNCT
ajbmeb-2427	30	1	weak	weak	ADJ
ajbmeb-2427	30	2	infrastructure	infrastructure	NOUN
ajbmeb-2427	30	3	is	be	AUX
ajbmeb-2427	30	4	a	a	DET
ajbmeb-2427	30	5	significant	significant	ADJ
ajbmeb-2427	30	6	barrier	barrier	NOUN
ajbmeb-2427	30	7	to	to	PART
ajbmeb-2427	30	8	access	access	NOUN
ajbmeb-2427	30	9	to	to	ADP
ajbmeb-2427	30	10	credit	credit	NOUN
ajbmeb-2427	30	11	in	in	ADP
ajbmeb-2427	30	12	many	many	ADJ
ajbmeb-2427	30	13	rural	rural	ADJ
ajbmeb-2427	30	14	areas	area	NOUN
ajbmeb-2427	30	15	,	,	PUNCT
ajbmeb-2427	30	16	increasing	increase	VERB
ajbmeb-2427	30	17	lending	lending	NOUN
ajbmeb-2427	30	18	costs	cost	NOUN
ajbmeb-2427	30	19	and	and	CCONJ
ajbmeb-2427	30	20	reducing	reduce	VERB
ajbmeb-2427	30	21	repayment	repayment	NOUN
ajbmeb-2427	30	22	rates	rate	NOUN
ajbmeb-2427	30	23	.	.	PUNCT
ajbmeb-2427	31	1	according	accord	VERB
ajbmeb-2427	31	2	to	to	ADP
ajbmeb-2427	31	3	the	the	DET
ajbmeb-2427	31	4	research	research	NOUN
ajbmeb-2427	31	5	of	of	ADP
ajbmeb-2427	31	6	rahmonov	rahmonov	NOUN
ajbmeb-2427	31	7	and	and	CCONJ
ajbmeb-2427	31	8	ibragimov	ibragimov	NOUN
ajbmeb-2427	31	9	,	,	PUNCT
ajbmeb-2427	31	10	the	the	DET
ajbmeb-2427	31	11	volume	volume	NOUN
ajbmeb-2427	31	12	of	of	ADP
ajbmeb-2427	31	13	lending	lending	NOUN
ajbmeb-2427	31	14	in	in	ADP
ajbmeb-2427	31	15	tashkent	tashkent	PROPN
ajbmeb-2427	31	16	and	and	CCONJ
ajbmeb-2427	31	17	samarkand	samarkand	NOUN
ajbmeb-2427	31	18	regions	region	NOUN
ajbmeb-2427	31	19	,	,	PUNCT
ajbmeb-2427	31	20	which	which	PRON
ajbmeb-2427	31	21	have	have	VERB
ajbmeb-2427	31	22	good	good	ADJ
ajbmeb-2427	31	23	infrastructure	infrastructure	NOUN
ajbmeb-2427	31	24	,	,	PUNCT
ajbmeb-2427	31	25	was	be	AUX
ajbmeb-2427	31	26	much	much	ADV
ajbmeb-2427	31	27	higher	high	ADJ
ajbmeb-2427	31	28	than	than	ADP
ajbmeb-2427	31	29	in	in	ADP
ajbmeb-2427	31	30	surkhandarya	surkhandarya	NOUN
ajbmeb-2427	31	31	and	and	CCONJ
ajbmeb-2427	31	32	khorezm	khorezm	NOUN
ajbmeb-2427	31	33	regions	region	NOUN
ajbmeb-2427	31	34	,	,	PUNCT
ajbmeb-2427	31	35	which	which	PRON
ajbmeb-2427	31	36	did	do	AUX
ajbmeb-2427	31	37	not	not	PART
ajbmeb-2427	31	38	have	have	AUX
ajbmeb-2427	31	39	developed	develop	VERB
ajbmeb-2427	31	40	infrastructure[4	infrastructure[4	NOUN
ajbmeb-2427	31	41	]	]	PUNCT
ajbmeb-2427	31	42	.	.	PUNCT
ajbmeb-2427	32	1	nevertheless	nevertheless	ADV
ajbmeb-2427	32	2	,	,	PUNCT
ajbmeb-2427	32	3	despite	despite	SCONJ
ajbmeb-2427	32	4	the	the	DET
ajbmeb-2427	32	5	positive	positive	ADJ
ajbmeb-2427	32	6	trends	trend	NOUN
ajbmeb-2427	32	7	,	,	PUNCT
ajbmeb-2427	32	8	a	a	DET
ajbmeb-2427	32	9	number	number	NOUN
ajbmeb-2427	32	10	of	of	ADP
ajbmeb-2427	32	11	problems	problem	NOUN
ajbmeb-2427	32	12	remain	remain	VERB
ajbmeb-2427	32	13	in	in	ADP
ajbmeb-2427	32	14	the	the	DET
ajbmeb-2427	32	15	field	field	NOUN
ajbmeb-2427	32	16	of	of	ADP
ajbmeb-2427	32	17	territorial	territorial	ADJ
ajbmeb-2427	32	18	lending	lending	NOUN
ajbmeb-2427	32	19	in	in	ADP
ajbmeb-2427	32	20	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	32	21	.	.	PUNCT
ajbmeb-2427	33	1	high	high	ADJ
ajbmeb-2427	33	2	interest	interest	NOUN
ajbmeb-2427	33	3	rates	rate	NOUN
ajbmeb-2427	33	4	,	,	PUNCT
ajbmeb-2427	33	5	in	in	ADP
ajbmeb-2427	33	6	particular	particular	ADJ
ajbmeb-2427	33	7	,	,	PUNCT
ajbmeb-2427	33	8	remain	remain	VERB
ajbmeb-2427	33	9	a	a	DET
ajbmeb-2427	33	10	major	major	ADJ
ajbmeb-2427	33	11	obstacle	obstacle	NOUN
ajbmeb-2427	33	12	for	for	ADP
ajbmeb-2427	33	13	borrowers	borrower	NOUN
ajbmeb-2427	33	14	in	in	ADP
ajbmeb-2427	33	15	rural	rural	ADJ
ajbmeb-2427	33	16	areas	area	NOUN
ajbmeb-2427	33	17	.	.	PUNCT
ajbmeb-2427	34	1	in	in	ADP
ajbmeb-2427	34	2	most	most	ADJ
ajbmeb-2427	34	3	cases	case	NOUN
ajbmeb-2427	34	4	,	,	PUNCT
ajbmeb-2427	34	5	interest	interest	NOUN
ajbmeb-2427	34	6	rates	rate	NOUN
ajbmeb-2427	34	7	on	on	ADP
ajbmeb-2427	34	8	regional	regional	ADJ
ajbmeb-2427	34	9	loans	loan	NOUN
ajbmeb-2427	34	10	are	be	AUX
ajbmeb-2427	34	11	in	in	ADP
ajbmeb-2427	34	12	the	the	DET
ajbmeb-2427	34	13	range	range	NOUN
ajbmeb-2427	34	14	of	of	ADP
ajbmeb-2427	34	15	15	15	NUM
ajbmeb-2427	34	16	-	-	SYM
ajbmeb-2427	34	17	20	20	NUM
ajbmeb-2427	34	18	%	%	NOUN
ajbmeb-2427	34	19	per	per	ADP
ajbmeb-2427	34	20	annum	annum	NOUN
ajbmeb-2427	34	21	,	,	PUNCT
ajbmeb-2427	34	22	which	which	PRON
ajbmeb-2427	34	23	scares	scare	VERB
ajbmeb-2427	34	24	off	off	ADP
ajbmeb-2427	34	25	many	many	ADJ
ajbmeb-2427	34	26	potential	potential	ADJ
ajbmeb-2427	34	27	borrowers	borrower	NOUN
ajbmeb-2427	34	28	.	.	PUNCT
ajbmeb-2427	35	1	in	in	ADP
ajbmeb-2427	35	2	addition	addition	NOUN
ajbmeb-2427	35	3	,	,	PUNCT
ajbmeb-2427	35	4	in	in	ADP
ajbmeb-2427	35	5	rural	rural	ADJ
ajbmeb-2427	35	6	areas	area	NOUN
ajbmeb-2427	35	7	,	,	PUNCT
ajbmeb-2427	35	8	the	the	DET
ajbmeb-2427	35	9	lack	lack	NOUN
ajbmeb-2427	35	10	of	of	ADP
ajbmeb-2427	35	11	sufficient	sufficient	ADJ
ajbmeb-2427	35	12	collateral	collateral	NOUN
ajbmeb-2427	35	13	complicates	complicate	VERB
ajbmeb-2427	35	14	obtaining	obtain	VERB
ajbmeb-2427	35	15	credit	credit	NOUN
ajbmeb-2427	35	16	.	.	PUNCT
ajbmeb-2427	36	1	another	another	DET
ajbmeb-2427	36	2	important	important	ADJ
ajbmeb-2427	36	3	issue	issue	NOUN
ajbmeb-2427	36	4	is	be	AUX
ajbmeb-2427	36	5	the	the	DET
ajbmeb-2427	36	6	low	low	ADJ
ajbmeb-2427	36	7	level	level	NOUN
ajbmeb-2427	36	8	of	of	ADP
ajbmeb-2427	36	9	financial	financial	ADJ
ajbmeb-2427	36	10	literacy	literacy	NOUN
ajbmeb-2427	36	11	in	in	ADP
ajbmeb-2427	36	12	rural	rural	ADJ
ajbmeb-2427	36	13	areas	area	NOUN
ajbmeb-2427	36	14	of	of	ADP
ajbmeb-2427	36	15	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	36	16	,	,	PUNCT
ajbmeb-2427	36	17	which	which	PRON
ajbmeb-2427	36	18	limits	limit	VERB
ajbmeb-2427	36	19	individuals	individual	NOUN
ajbmeb-2427	36	20	and	and	CCONJ
ajbmeb-2427	36	21	businesses	business	NOUN
ajbmeb-2427	36	22	from	from	ADP
ajbmeb-2427	36	23	taking	take	VERB
ajbmeb-2427	36	24	the	the	DET
ajbmeb-2427	36	25	right	right	ADJ
ajbmeb-2427	36	26	approach	approach	NOUN
ajbmeb-2427	36	27	in	in	ADP
ajbmeb-2427	36	28	the	the	DET
ajbmeb-2427	36	29	lending	lending	NOUN
ajbmeb-2427	36	30	process	process	NOUN
ajbmeb-2427	36	31	.	.	PUNCT
ajbmeb-2427	37	1	as	as	SCONJ
ajbmeb-2427	37	2	nasriddinov	nasriddinov	NOUN
ajbmeb-2427	37	3	(	(	PUNCT
ajbmeb-2427	37	4	2020	2020	NUM
ajbmeb-2427	37	5	)	)	PUNCT
ajbmeb-2427	37	6	points	point	VERB
ajbmeb-2427	37	7	out	out	ADP
ajbmeb-2427	37	8	,	,	PUNCT
ajbmeb-2427	37	9	high	high	ADJ
ajbmeb-2427	37	10	interest	interest	NOUN
ajbmeb-2427	37	11	rates	rate	NOUN
ajbmeb-2427	37	12	and	and	CCONJ
ajbmeb-2427	37	13	these	these	DET
ajbmeb-2427	37	14	structural	structural	ADJ
ajbmeb-2427	37	15	problems	problem	NOUN
ajbmeb-2427	37	16	make	make	VERB
ajbmeb-2427	37	17	borrowing	borrow	VERB
ajbmeb-2427	37	18	difficult	difficult	ADJ
ajbmeb-2427	37	19	,	,	PUNCT
ajbmeb-2427	37	20	and	and	CCONJ
ajbmeb-2427	37	21	he	he	PRON
ajbmeb-2427	37	22	believes	believe	VERB
ajbmeb-2427	37	23	that	that	SCONJ
ajbmeb-2427	37	24	government	government	NOUN
ajbmeb-2427	37	25	guaranteed	guarantee	VERB
ajbmeb-2427	37	26	programs	program	NOUN
ajbmeb-2427	37	27	can	can	AUX
ajbmeb-2427	37	28	help	help	VERB
ajbmeb-2427	37	29	lower	lower	VERB
ajbmeb-2427	37	30	these	these	DET
ajbmeb-2427	37	31	rates[8	rates[8	PROPN
ajbmeb-2427	37	32	]	]	PUNCT
ajbmeb-2427	37	33	.	.	PUNCT
ajbmeb-2427	38	1	the	the	DET
ajbmeb-2427	38	2	question	question	NOUN
ajbmeb-2427	38	3	of	of	ADP
ajbmeb-2427	38	4	improving	improve	VERB
ajbmeb-2427	38	5	the	the	DET
ajbmeb-2427	38	6	efficiency	efficiency	NOUN
ajbmeb-2427	38	7	of	of	ADP
ajbmeb-2427	38	8	lending	lending	NOUN
ajbmeb-2427	38	9	to	to	ADP
ajbmeb-2427	38	10	regions	region	NOUN
ajbmeb-2427	38	11	is	be	AUX
ajbmeb-2427	38	12	one	one	NUM
ajbmeb-2427	38	13	of	of	ADP
ajbmeb-2427	38	14	the	the	DET
ajbmeb-2427	38	15	important	important	ADJ
ajbmeb-2427	38	16	factors	factor	NOUN
ajbmeb-2427	38	17	of	of	ADP
ajbmeb-2427	38	18	economic	economic	ADJ
ajbmeb-2427	38	19	development	development	NOUN
ajbmeb-2427	38	20	.	.	PUNCT
ajbmeb-2427	39	1	before	before	ADP
ajbmeb-2427	39	2	answering	answer	VERB
ajbmeb-2427	39	3	this	this	DET
ajbmeb-2427	39	4	question	question	NOUN
ajbmeb-2427	39	5	,	,	PUNCT
ajbmeb-2427	39	6	it	it	PRON
ajbmeb-2427	39	7	is	be	AUX
ajbmeb-2427	39	8	necessary	necessary	ADJ
ajbmeb-2427	39	9	to	to	PART
ajbmeb-2427	39	10	understand	understand	VERB
ajbmeb-2427	39	11	how	how	SCONJ
ajbmeb-2427	39	12	regional	regional	ADJ
ajbmeb-2427	39	13	lending	lending	NOUN
ajbmeb-2427	39	14	affects	affect	VERB
ajbmeb-2427	39	15	economic	economic	ADJ
ajbmeb-2427	39	16	development	development	NOUN
ajbmeb-2427	39	17	and	and	CCONJ
ajbmeb-2427	39	18	why	why	SCONJ
ajbmeb-2427	39	19	it	it	PRON
ajbmeb-2427	39	20	is	be	AUX
ajbmeb-2427	39	21	necessary	necessary	ADJ
ajbmeb-2427	39	22	to	to	PART
ajbmeb-2427	39	23	direct	direct	VERB
ajbmeb-2427	39	24	it	it	PRON
ajbmeb-2427	39	25	effectively	effectively	ADV
ajbmeb-2427	39	26	.	.	PUNCT
ajbmeb-2427	40	1	economic	economic	ADJ
ajbmeb-2427	40	2	development	development	NOUN
ajbmeb-2427	40	3	of	of	ADP
ajbmeb-2427	40	4	regions	region	NOUN
ajbmeb-2427	40	5	is	be	AUX
ajbmeb-2427	40	6	one	one	NUM
ajbmeb-2427	40	7	of	of	ADP
ajbmeb-2427	40	8	the	the	DET
ajbmeb-2427	40	9	main	main	ADJ
ajbmeb-2427	40	10	means	mean	NOUN
ajbmeb-2427	40	11	to	to	PART
ajbmeb-2427	40	12	ensure	ensure	VERB
ajbmeb-2427	40	13	sustainable	sustainable	ADJ
ajbmeb-2427	40	14	development	development	NOUN
ajbmeb-2427	40	15	of	of	ADP
ajbmeb-2427	40	16	the	the	DET
ajbmeb-2427	40	17	whole	whole	ADJ
ajbmeb-2427	40	18	country	country	NOUN
ajbmeb-2427	40	19	,	,	PUNCT
ajbmeb-2427	40	20	because	because	SCONJ
ajbmeb-2427	40	21	each	each	DET
ajbmeb-2427	40	22	region	region	NOUN
ajbmeb-2427	40	23	has	have	VERB
ajbmeb-2427	40	24	different	different	ADJ
ajbmeb-2427	40	25	economic	economic	ADJ
ajbmeb-2427	40	26	resources	resource	NOUN
ajbmeb-2427	40	27	,	,	PUNCT
ajbmeb-2427	40	28	opportunities	opportunity	NOUN
ajbmeb-2427	40	29	and	and	CCONJ
ajbmeb-2427	40	30	problems	problem	NOUN
ajbmeb-2427	40	31	.	.	PUNCT
ajbmeb-2427	41	1	therefore	therefore	ADV
ajbmeb-2427	41	2	,	,	PUNCT
ajbmeb-2427	41	3	in	in	ADP
ajbmeb-2427	41	4	the	the	DET
ajbmeb-2427	41	5	process	process	NOUN
ajbmeb-2427	41	6	of	of	ADP
ajbmeb-2427	41	7	regional	regional	ADJ
ajbmeb-2427	41	8	development	development	NOUN
ajbmeb-2427	41	9	,	,	PUNCT
ajbmeb-2427	41	10	commercial	commercial	ADJ
ajbmeb-2427	41	11	banks	bank	NOUN
ajbmeb-2427	41	12	and	and	CCONJ
ajbmeb-2427	41	13	their	their	PRON
ajbmeb-2427	41	14	lending	lending	NOUN
ajbmeb-2427	41	15	activities	activity	NOUN
ajbmeb-2427	41	16	play	play	VERB
ajbmeb-2427	41	17	an	an	DET
ajbmeb-2427	41	18	important	important	ADJ
ajbmeb-2427	41	19	american	american	ADJ
ajbmeb-2427	41	20	journal	journal	NOUN
ajbmeb-2427	41	21	of	of	ADP
ajbmeb-2427	41	22	business	business	NOUN
ajbmeb-2427	41	23	management	management	NOUN
ajbmeb-2427	41	24	,	,	PUNCT
ajbmeb-2427	41	25	economics	economic	NOUN
ajbmeb-2427	41	26	and	and	CCONJ
ajbmeb-2427	41	27	banking	banking	NOUN
ajbmeb-2427	41	28	volume	volume	NOUN
ajbmeb-2427	41	29	29	29	NUM
ajbmeb-2427	41	30	october	october	PROPN
ajbmeb-2427	41	31	2024	2024	NUM
ajbmeb-2427	41	32	p	p	NOUN
ajbmeb-2427	41	33	a	a	DET
ajbmeb-2427	41	34	g	g	NOUN
ajbmeb-2427	41	35	e	e	NOUN
ajbmeb-2427	41	36	|	|	ADV
ajbmeb-2427	41	37	67	67	NUM
ajbmeb-2427	41	38	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2427	41	39	role	role	NOUN
ajbmeb-2427	41	40	.	.	PUNCT
ajbmeb-2427	42	1	first	first	ADV
ajbmeb-2427	42	2	of	of	ADP
ajbmeb-2427	42	3	all	all	PRON
ajbmeb-2427	42	4	,	,	PUNCT
ajbmeb-2427	42	5	the	the	DET
ajbmeb-2427	42	6	loans	loan	NOUN
ajbmeb-2427	42	7	provided	provide	VERB
ajbmeb-2427	42	8	by	by	ADP
ajbmeb-2427	42	9	commercial	commercial	ADJ
ajbmeb-2427	42	10	banks	bank	NOUN
ajbmeb-2427	42	11	in	in	ADP
ajbmeb-2427	42	12	the	the	DET
ajbmeb-2427	42	13	regions	region	NOUN
ajbmeb-2427	42	14	are	be	AUX
ajbmeb-2427	42	15	of	of	ADP
ajbmeb-2427	42	16	decisive	decisive	ADJ
ajbmeb-2427	42	17	importance	importance	NOUN
ajbmeb-2427	42	18	in	in	ADP
ajbmeb-2427	42	19	supporting	support	VERB
ajbmeb-2427	42	20	economic	economic	ADJ
ajbmeb-2427	42	21	activity	activity	NOUN
ajbmeb-2427	42	22	.	.	PUNCT
ajbmeb-2427	43	1	small	small	ADJ
ajbmeb-2427	43	2	and	and	CCONJ
ajbmeb-2427	43	3	medium	medium	ADJ
ajbmeb-2427	43	4	-	-	PUNCT
ajbmeb-2427	43	5	sized	sized	ADJ
ajbmeb-2427	43	6	enterprises	enterprise	NOUN
ajbmeb-2427	43	7	will	will	AUX
ajbmeb-2427	43	8	have	have	VERB
ajbmeb-2427	43	9	the	the	DET
ajbmeb-2427	43	10	opportunity	opportunity	NOUN
ajbmeb-2427	43	11	to	to	PART
ajbmeb-2427	43	12	expand	expand	VERB
ajbmeb-2427	43	13	their	their	PRON
ajbmeb-2427	43	14	activities	activity	NOUN
ajbmeb-2427	43	15	,	,	PUNCT
ajbmeb-2427	43	16	modernize	modernize	VERB
ajbmeb-2427	43	17	production	production	NOUN
ajbmeb-2427	43	18	and	and	CCONJ
ajbmeb-2427	43	19	create	create	VERB
ajbmeb-2427	43	20	new	new	ADJ
ajbmeb-2427	43	21	jobs	job	NOUN
ajbmeb-2427	43	22	through	through	ADP
ajbmeb-2427	43	23	loans	loan	NOUN
ajbmeb-2427	43	24	provided	provide	VERB
ajbmeb-2427	43	25	by	by	ADP
ajbmeb-2427	43	26	banks	bank	NOUN
ajbmeb-2427	43	27	.	.	PUNCT
ajbmeb-2427	44	1	in	in	ADP
ajbmeb-2427	44	2	this	this	DET
ajbmeb-2427	44	3	way	way	NOUN
ajbmeb-2427	44	4	,	,	PUNCT
ajbmeb-2427	44	5	the	the	DET
ajbmeb-2427	44	6	economic	economic	ADJ
ajbmeb-2427	44	7	activity	activity	NOUN
ajbmeb-2427	44	8	in	in	ADP
ajbmeb-2427	44	9	the	the	DET
ajbmeb-2427	44	10	regions	region	NOUN
ajbmeb-2427	44	11	will	will	AUX
ajbmeb-2427	44	12	increase	increase	VERB
ajbmeb-2427	44	13	,	,	PUNCT
ajbmeb-2427	44	14	the	the	DET
ajbmeb-2427	44	15	income	income	NOUN
ajbmeb-2427	44	16	of	of	ADP
ajbmeb-2427	44	17	the	the	DET
ajbmeb-2427	44	18	population	population	NOUN
ajbmeb-2427	44	19	will	will	AUX
ajbmeb-2427	44	20	increase	increase	VERB
ajbmeb-2427	44	21	and	and	CCONJ
ajbmeb-2427	44	22	the	the	DET
ajbmeb-2427	44	23	standard	standard	NOUN
ajbmeb-2427	44	24	of	of	ADP
ajbmeb-2427	44	25	living	living	NOUN
ajbmeb-2427	44	26	will	will	AUX
ajbmeb-2427	44	27	be	be	AUX
ajbmeb-2427	44	28	improved	improve	VERB
ajbmeb-2427	44	29	.	.	PUNCT
ajbmeb-2427	45	1	however	however	ADV
ajbmeb-2427	45	2	,	,	PUNCT
ajbmeb-2427	45	3	in	in	ADP
ajbmeb-2427	45	4	order	order	NOUN
ajbmeb-2427	45	5	for	for	SCONJ
ajbmeb-2427	45	6	this	this	DET
ajbmeb-2427	45	7	process	process	NOUN
ajbmeb-2427	45	8	to	to	PART
ajbmeb-2427	45	9	be	be	AUX
ajbmeb-2427	45	10	carried	carry	VERB
ajbmeb-2427	45	11	out	out	ADP
ajbmeb-2427	45	12	correctly	correctly	ADV
ajbmeb-2427	45	13	and	and	CCONJ
ajbmeb-2427	45	14	efficiently	efficiently	ADV
ajbmeb-2427	45	15	,	,	PUNCT
ajbmeb-2427	45	16	it	it	PRON
ajbmeb-2427	45	17	is	be	AUX
ajbmeb-2427	45	18	necessary	necessary	ADJ
ajbmeb-2427	45	19	to	to	PART
ajbmeb-2427	45	20	improve	improve	VERB
ajbmeb-2427	45	21	the	the	DET
ajbmeb-2427	45	22	lending	lending	NOUN
ajbmeb-2427	45	23	mechanisms	mechanism	NOUN
ajbmeb-2427	45	24	.	.	PUNCT
ajbmeb-2427	46	1	firstly	firstly	ADV
ajbmeb-2427	46	2	,	,	PUNCT
ajbmeb-2427	46	3	for	for	ADP
ajbmeb-2427	46	4	the	the	DET
ajbmeb-2427	46	5	sustainable	sustainable	ADJ
ajbmeb-2427	46	6	economic	economic	ADJ
ajbmeb-2427	46	7	development	development	NOUN
ajbmeb-2427	46	8	of	of	ADP
ajbmeb-2427	46	9	the	the	DET
ajbmeb-2427	46	10	regions	region	NOUN
ajbmeb-2427	46	11	,	,	PUNCT
ajbmeb-2427	46	12	it	it	PRON
ajbmeb-2427	46	13	is	be	AUX
ajbmeb-2427	46	14	necessary	necessary	ADJ
ajbmeb-2427	46	15	to	to	PART
ajbmeb-2427	46	16	increase	increase	VERB
ajbmeb-2427	46	17	the	the	DET
ajbmeb-2427	46	18	volume	volume	NOUN
ajbmeb-2427	46	19	and	and	CCONJ
ajbmeb-2427	46	20	quality	quality	NOUN
ajbmeb-2427	46	21	of	of	ADP
ajbmeb-2427	46	22	loans	loan	NOUN
ajbmeb-2427	46	23	provided	provide	VERB
ajbmeb-2427	46	24	by	by	ADP
ajbmeb-2427	46	25	commercial	commercial	ADJ
ajbmeb-2427	46	26	banks	bank	NOUN
ajbmeb-2427	46	27	.	.	PUNCT
ajbmeb-2427	47	1	in	in	ADP
ajbmeb-2427	47	2	many	many	ADJ
ajbmeb-2427	47	3	cases	case	NOUN
ajbmeb-2427	47	4	,	,	PUNCT
ajbmeb-2427	47	5	due	due	ADP
ajbmeb-2427	47	6	to	to	ADP
ajbmeb-2427	47	7	the	the	DET
ajbmeb-2427	47	8	insufficient	insufficient	ADJ
ajbmeb-2427	47	9	development	development	NOUN
ajbmeb-2427	47	10	of	of	ADP
ajbmeb-2427	47	11	regional	regional	ADJ
ajbmeb-2427	47	12	credit	credit	NOUN
ajbmeb-2427	47	13	,	,	PUNCT
ajbmeb-2427	47	14	economic	economic	ADJ
ajbmeb-2427	47	15	growth	growth	NOUN
ajbmeb-2427	47	16	slows	slow	VERB
ajbmeb-2427	47	17	down	down	ADP
ajbmeb-2427	47	18	in	in	ADP
ajbmeb-2427	47	19	some	some	DET
ajbmeb-2427	47	20	regions	region	NOUN
ajbmeb-2427	47	21	and	and	CCONJ
ajbmeb-2427	47	22	entrepreneurial	entrepreneurial	ADJ
ajbmeb-2427	47	23	activity	activity	NOUN
ajbmeb-2427	47	24	is	be	AUX
ajbmeb-2427	47	25	limited	limited	ADJ
ajbmeb-2427	47	26	.	.	PUNCT
ajbmeb-2427	48	1	this	this	PRON
ajbmeb-2427	48	2	deepens	deepen	VERB
ajbmeb-2427	48	3	socio	socio	NOUN
ajbmeb-2427	48	4	-	-	PUNCT
ajbmeb-2427	48	5	economic	economic	ADJ
ajbmeb-2427	48	6	problems	problem	NOUN
ajbmeb-2427	48	7	in	in	ADP
ajbmeb-2427	48	8	the	the	DET
ajbmeb-2427	48	9	regions	region	NOUN
ajbmeb-2427	48	10	.	.	PUNCT
ajbmeb-2427	49	1	for	for	ADP
ajbmeb-2427	49	2	example	example	NOUN
ajbmeb-2427	49	3	,	,	PUNCT
ajbmeb-2427	49	4	the	the	DET
ajbmeb-2427	49	5	lack	lack	NOUN
ajbmeb-2427	49	6	of	of	ADP
ajbmeb-2427	49	7	credit	credit	NOUN
ajbmeb-2427	49	8	resources	resource	NOUN
ajbmeb-2427	49	9	in	in	ADP
ajbmeb-2427	49	10	economically	economically	ADV
ajbmeb-2427	49	11	weak	weak	ADJ
ajbmeb-2427	49	12	regions	region	NOUN
ajbmeb-2427	49	13	such	such	ADJ
ajbmeb-2427	49	14	as	as	ADP
ajbmeb-2427	49	15	the	the	DET
ajbmeb-2427	49	16	republic	republic	NOUN
ajbmeb-2427	49	17	of	of	ADP
ajbmeb-2427	49	18	karakalpakstan	karakalpakstan	PROPN
ajbmeb-2427	49	19	,	,	PUNCT
ajbmeb-2427	49	20	khorezm	khorezm	PROPN
ajbmeb-2427	49	21	,	,	PUNCT
ajbmeb-2427	49	22	syrdarya	syrdarya	NOUN
ajbmeb-2427	49	23	,	,	PUNCT
ajbmeb-2427	49	24	and	and	CCONJ
ajbmeb-2427	49	25	surkhandarya	surkhandarya	ADJ
ajbmeb-2427	49	26	regions	region	NOUN
ajbmeb-2427	49	27	,	,	PUNCT
ajbmeb-2427	49	28	compared	compare	VERB
ajbmeb-2427	49	29	to	to	ADP
ajbmeb-2427	49	30	developed	develop	VERB
ajbmeb-2427	49	31	regions	region	NOUN
ajbmeb-2427	49	32	such	such	ADJ
ajbmeb-2427	49	33	as	as	ADP
ajbmeb-2427	49	34	the	the	DET
ajbmeb-2427	49	35	tashkent	tashkent	PROPN
ajbmeb-2427	49	36	region	region	NOUN
ajbmeb-2427	49	37	,	,	PUNCT
ajbmeb-2427	49	38	reduces	reduce	VERB
ajbmeb-2427	49	39	the	the	DET
ajbmeb-2427	49	40	possibility	possibility	NOUN
ajbmeb-2427	49	41	of	of	ADP
ajbmeb-2427	49	42	expanding	expand	VERB
ajbmeb-2427	49	43	the	the	DET
ajbmeb-2427	49	44	activities	activity	NOUN
ajbmeb-2427	49	45	of	of	ADP
ajbmeb-2427	49	46	enterprises	enterprise	NOUN
ajbmeb-2427	49	47	.	.	PUNCT
ajbmeb-2427	50	1	this	this	PRON
ajbmeb-2427	50	2	causes	cause	VERB
ajbmeb-2427	50	3	uneven	uneven	ADJ
ajbmeb-2427	50	4	development	development	NOUN
ajbmeb-2427	50	5	of	of	ADP
ajbmeb-2427	50	6	economic	economic	ADJ
ajbmeb-2427	50	7	activity	activity	NOUN
ajbmeb-2427	50	8	and	and	CCONJ
ajbmeb-2427	50	9	economic	economic	ADJ
ajbmeb-2427	50	10	differences	difference	NOUN
ajbmeb-2427	50	11	between	between	ADP
ajbmeb-2427	50	12	regions	region	NOUN
ajbmeb-2427	50	13	.	.	PUNCT
ajbmeb-2427	51	1	therefore	therefore	ADV
ajbmeb-2427	51	2	,	,	PUNCT
ajbmeb-2427	51	3	by	by	ADP
ajbmeb-2427	51	4	increasing	increase	VERB
ajbmeb-2427	51	5	the	the	DET
ajbmeb-2427	51	6	effectiveness	effectiveness	NOUN
ajbmeb-2427	51	7	of	of	ADP
ajbmeb-2427	51	8	regional	regional	ADJ
ajbmeb-2427	51	9	lending	lending	NOUN
ajbmeb-2427	51	10	,	,	PUNCT
ajbmeb-2427	51	11	it	it	PRON
ajbmeb-2427	51	12	is	be	AUX
ajbmeb-2427	51	13	possible	possible	ADJ
ajbmeb-2427	51	14	to	to	PART
ajbmeb-2427	51	15	create	create	VERB
ajbmeb-2427	51	16	the	the	DET
ajbmeb-2427	51	17	same	same	ADJ
ajbmeb-2427	51	18	economic	economic	ADJ
ajbmeb-2427	51	19	conditions	condition	NOUN
ajbmeb-2427	51	20	in	in	ADP
ajbmeb-2427	51	21	all	all	DET
ajbmeb-2427	51	22	regions	region	NOUN
ajbmeb-2427	51	23	of	of	ADP
ajbmeb-2427	51	24	the	the	DET
ajbmeb-2427	51	25	country	country	NOUN
ajbmeb-2427	51	26	,	,	PUNCT
ajbmeb-2427	51	27	provide	provide	VERB
ajbmeb-2427	51	28	support	support	NOUN
ajbmeb-2427	51	29	to	to	ADP
ajbmeb-2427	51	30	enterprises	enterprise	NOUN
ajbmeb-2427	51	31	,	,	PUNCT
ajbmeb-2427	51	32	and	and	CCONJ
ajbmeb-2427	51	33	ensure	ensure	VERB
ajbmeb-2427	51	34	the	the	DET
ajbmeb-2427	51	35	development	development	NOUN
ajbmeb-2427	51	36	of	of	ADP
ajbmeb-2427	51	37	regions	region	NOUN
ajbmeb-2427	51	38	.	.	PUNCT
ajbmeb-2427	52	1	second	second	ADJ
ajbmeb-2427	52	2	,	,	PUNCT
ajbmeb-2427	52	3	it	it	PRON
ajbmeb-2427	52	4	is	be	AUX
ajbmeb-2427	52	5	possible	possible	ADJ
ajbmeb-2427	52	6	to	to	PART
ajbmeb-2427	52	7	support	support	VERB
ajbmeb-2427	52	8	small	small	ADJ
ajbmeb-2427	52	9	and	and	CCONJ
ajbmeb-2427	52	10	medium	medium	ADJ
ajbmeb-2427	52	11	-	-	PUNCT
ajbmeb-2427	52	12	sized	sized	ADJ
ajbmeb-2427	52	13	businesses	business	NOUN
ajbmeb-2427	52	14	by	by	ADP
ajbmeb-2427	52	15	increasing	increase	VERB
ajbmeb-2427	52	16	the	the	DET
ajbmeb-2427	52	17	efficiency	efficiency	NOUN
ajbmeb-2427	52	18	of	of	ADP
ajbmeb-2427	52	19	regional	regional	ADJ
ajbmeb-2427	52	20	lending	lending	NOUN
ajbmeb-2427	52	21	.	.	PUNCT
ajbmeb-2427	53	1	small	small	ADJ
ajbmeb-2427	53	2	and	and	CCONJ
ajbmeb-2427	53	3	medium	medium	ADJ
ajbmeb-2427	53	4	-	-	PUNCT
ajbmeb-2427	53	5	sized	sized	ADJ
ajbmeb-2427	53	6	businesses	business	NOUN
ajbmeb-2427	53	7	are	be	AUX
ajbmeb-2427	53	8	the	the	DET
ajbmeb-2427	53	9	engine	engine	NOUN
ajbmeb-2427	53	10	of	of	ADP
ajbmeb-2427	53	11	the	the	DET
ajbmeb-2427	53	12	economy	economy	NOUN
ajbmeb-2427	53	13	in	in	ADP
ajbmeb-2427	53	14	many	many	ADJ
ajbmeb-2427	53	15	developed	develop	VERB
ajbmeb-2427	53	16	countries	country	NOUN
ajbmeb-2427	53	17	.	.	PUNCT
ajbmeb-2427	54	1	they	they	PRON
ajbmeb-2427	54	2	play	play	VERB
ajbmeb-2427	54	3	an	an	DET
ajbmeb-2427	54	4	important	important	ADJ
ajbmeb-2427	54	5	role	role	NOUN
ajbmeb-2427	54	6	in	in	ADP
ajbmeb-2427	54	7	creating	create	VERB
ajbmeb-2427	54	8	new	new	ADJ
ajbmeb-2427	54	9	jobs	job	NOUN
ajbmeb-2427	54	10	,	,	PUNCT
ajbmeb-2427	54	11	introducing	introduce	VERB
ajbmeb-2427	54	12	innovations	innovation	NOUN
ajbmeb-2427	54	13	,	,	PUNCT
ajbmeb-2427	54	14	and	and	CCONJ
ajbmeb-2427	54	15	ensuring	ensure	VERB
ajbmeb-2427	54	16	economic	economic	ADJ
ajbmeb-2427	54	17	stability	stability	NOUN
ajbmeb-2427	54	18	.	.	PUNCT
ajbmeb-2427	55	1	in	in	ADP
ajbmeb-2427	55	2	most	most	ADJ
ajbmeb-2427	55	3	cases	case	NOUN
ajbmeb-2427	55	4	,	,	PUNCT
ajbmeb-2427	55	5	the	the	DET
ajbmeb-2427	55	6	lack	lack	NOUN
ajbmeb-2427	55	7	of	of	ADP
ajbmeb-2427	55	8	financial	financial	ADJ
ajbmeb-2427	55	9	resources	resource	NOUN
ajbmeb-2427	55	10	is	be	AUX
ajbmeb-2427	55	11	an	an	DET
ajbmeb-2427	55	12	obstacle	obstacle	NOUN
ajbmeb-2427	55	13	to	to	ADP
ajbmeb-2427	55	14	the	the	DET
ajbmeb-2427	55	15	development	development	NOUN
ajbmeb-2427	55	16	of	of	ADP
ajbmeb-2427	55	17	small	small	ADJ
ajbmeb-2427	55	18	and	and	CCONJ
ajbmeb-2427	55	19	medium	medium	ADJ
ajbmeb-2427	55	20	-	-	PUNCT
ajbmeb-2427	55	21	sized	sized	ADJ
ajbmeb-2427	55	22	businesses	business	NOUN
ajbmeb-2427	55	23	in	in	ADP
ajbmeb-2427	55	24	the	the	DET
ajbmeb-2427	55	25	regions	region	NOUN
ajbmeb-2427	55	26	.	.	PUNCT
ajbmeb-2427	56	1	through	through	ADP
ajbmeb-2427	56	2	loans	loan	NOUN
ajbmeb-2427	56	3	provided	provide	VERB
ajbmeb-2427	56	4	by	by	ADP
ajbmeb-2427	56	5	commercial	commercial	ADJ
ajbmeb-2427	56	6	banks	bank	NOUN
ajbmeb-2427	56	7	,	,	PUNCT
ajbmeb-2427	56	8	small	small	ADJ
ajbmeb-2427	56	9	and	and	CCONJ
ajbmeb-2427	56	10	medium	medium	ADJ
ajbmeb-2427	56	11	-	-	PUNCT
ajbmeb-2427	56	12	sized	sized	ADJ
ajbmeb-2427	56	13	businesses	business	NOUN
ajbmeb-2427	56	14	can	can	AUX
ajbmeb-2427	56	15	expand	expand	VERB
ajbmeb-2427	56	16	their	their	PRON
ajbmeb-2427	56	17	activities	activity	NOUN
ajbmeb-2427	56	18	and	and	CCONJ
ajbmeb-2427	56	19	produce	produce	VERB
ajbmeb-2427	56	20	new	new	ADJ
ajbmeb-2427	56	21	products	product	NOUN
ajbmeb-2427	56	22	and	and	CCONJ
ajbmeb-2427	56	23	services	service	NOUN
ajbmeb-2427	56	24	.	.	PUNCT
ajbmeb-2427	57	1	credit	credit	NOUN
ajbmeb-2427	57	2	programs	program	NOUN
ajbmeb-2427	57	3	aimed	aim	VERB
ajbmeb-2427	57	4	at	at	ADP
ajbmeb-2427	57	5	the	the	DET
ajbmeb-2427	57	6	agricultural	agricultural	ADJ
ajbmeb-2427	57	7	,	,	PUNCT
ajbmeb-2427	57	8	industrial	industrial	ADJ
ajbmeb-2427	57	9	,	,	PUNCT
ajbmeb-2427	57	10	and	and	CCONJ
ajbmeb-2427	57	11	service	service	NOUN
ajbmeb-2427	57	12	sectors	sector	NOUN
ajbmeb-2427	57	13	in	in	ADP
ajbmeb-2427	57	14	the	the	DET
ajbmeb-2427	57	15	regions	region	NOUN
ajbmeb-2427	57	16	play	play	VERB
ajbmeb-2427	57	17	an	an	DET
ajbmeb-2427	57	18	important	important	ADJ
ajbmeb-2427	57	19	role	role	NOUN
ajbmeb-2427	57	20	in	in	ADP
ajbmeb-2427	57	21	this	this	PRON
ajbmeb-2427	57	22	.	.	PUNCT
ajbmeb-2427	58	1	by	by	ADP
ajbmeb-2427	58	2	increasing	increase	VERB
ajbmeb-2427	58	3	the	the	DET
ajbmeb-2427	58	4	efficiency	efficiency	NOUN
ajbmeb-2427	58	5	of	of	ADP
ajbmeb-2427	58	6	lending	lending	NOUN
ajbmeb-2427	58	7	,	,	PUNCT
ajbmeb-2427	58	8	banks	bank	NOUN
ajbmeb-2427	58	9	can	can	AUX
ajbmeb-2427	58	10	expand	expand	VERB
ajbmeb-2427	58	11	their	their	PRON
ajbmeb-2427	58	12	scope	scope	NOUN
ajbmeb-2427	58	13	of	of	ADP
ajbmeb-2427	58	14	activity	activity	NOUN
ajbmeb-2427	58	15	,	,	PUNCT
ajbmeb-2427	58	16	support	support	VERB
ajbmeb-2427	58	17	new	new	ADJ
ajbmeb-2427	58	18	business	business	NOUN
ajbmeb-2427	58	19	entities	entity	NOUN
ajbmeb-2427	58	20	in	in	ADP
ajbmeb-2427	58	21	the	the	DET
ajbmeb-2427	58	22	regions	region	NOUN
ajbmeb-2427	58	23	,	,	PUNCT
ajbmeb-2427	58	24	and	and	CCONJ
ajbmeb-2427	58	25	stimulate	stimulate	VERB
ajbmeb-2427	58	26	regional	regional	ADJ
ajbmeb-2427	58	27	economic	economic	ADJ
ajbmeb-2427	58	28	growth	growth	NOUN
ajbmeb-2427	58	29	.	.	PUNCT
ajbmeb-2427	59	1	debate	debate	VERB
ajbmeb-2427	59	2	the	the	DET
ajbmeb-2427	59	3	results	result	NOUN
ajbmeb-2427	59	4	of	of	ADP
ajbmeb-2427	59	5	the	the	DET
ajbmeb-2427	59	6	analyses	analysis	NOUN
ajbmeb-2427	59	7	and	and	CCONJ
ajbmeb-2427	59	8	studies	study	NOUN
ajbmeb-2427	59	9	carried	carry	VERB
ajbmeb-2427	59	10	out	out	ADP
ajbmeb-2427	59	11	during	during	ADP
ajbmeb-2427	59	12	the	the	DET
ajbmeb-2427	59	13	research	research	NOUN
ajbmeb-2427	59	14	show	show	VERB
ajbmeb-2427	59	15	that	that	SCONJ
ajbmeb-2427	59	16	the	the	DET
ajbmeb-2427	59	17	ineffectiveness	ineffectiveness	NOUN
ajbmeb-2427	59	18	of	of	ADP
ajbmeb-2427	59	19	regional	regional	ADJ
ajbmeb-2427	59	20	loans	loan	NOUN
ajbmeb-2427	59	21	in	in	ADP
ajbmeb-2427	59	22	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	59	23	is	be	AUX
ajbmeb-2427	59	24	creating	create	VERB
ajbmeb-2427	59	25	many	many	ADJ
ajbmeb-2427	59	26	obstacles	obstacle	NOUN
ajbmeb-2427	59	27	and	and	CCONJ
ajbmeb-2427	59	28	problems	problem	NOUN
ajbmeb-2427	59	29	in	in	ADP
ajbmeb-2427	59	30	the	the	DET
ajbmeb-2427	59	31	development	development	NOUN
ajbmeb-2427	59	32	of	of	ADP
ajbmeb-2427	59	33	the	the	DET
ajbmeb-2427	59	34	country	country	NOUN
ajbmeb-2427	59	35	's	's	PART
ajbmeb-2427	59	36	economy	economy	NOUN
ajbmeb-2427	59	37	.	.	PUNCT
ajbmeb-2427	60	1	regional	regional	ADJ
ajbmeb-2427	60	2	lending	lending	NOUN
ajbmeb-2427	60	3	is	be	AUX
ajbmeb-2427	60	4	an	an	DET
ajbmeb-2427	60	5	important	important	ADJ
ajbmeb-2427	60	6	tool	tool	NOUN
ajbmeb-2427	60	7	for	for	ADP
ajbmeb-2427	60	8	developing	develop	VERB
ajbmeb-2427	60	9	cooperation	cooperation	NOUN
ajbmeb-2427	60	10	between	between	ADP
ajbmeb-2427	60	11	the	the	DET
ajbmeb-2427	60	12	public	public	ADJ
ajbmeb-2427	60	13	and	and	CCONJ
ajbmeb-2427	60	14	private	private	ADJ
ajbmeb-2427	60	15	sectors	sector	NOUN
ajbmeb-2427	60	16	,	,	PUNCT
ajbmeb-2427	60	17	ensuring	ensure	VERB
ajbmeb-2427	60	18	economic	economic	ADJ
ajbmeb-2427	60	19	growth	growth	NOUN
ajbmeb-2427	60	20	,	,	PUNCT
ajbmeb-2427	60	21	and	and	CCONJ
ajbmeb-2427	60	22	creating	create	VERB
ajbmeb-2427	60	23	new	new	ADJ
ajbmeb-2427	60	24	jobs	job	NOUN
ajbmeb-2427	60	25	.	.	PUNCT
ajbmeb-2427	61	1	however	however	ADV
ajbmeb-2427	61	2	,	,	PUNCT
ajbmeb-2427	61	3	the	the	DET
ajbmeb-2427	61	4	available	available	ADJ
ajbmeb-2427	61	5	analyses	analysis	NOUN
ajbmeb-2427	61	6	and	and	CCONJ
ajbmeb-2427	61	7	statistics	statistic	NOUN
ajbmeb-2427	61	8	show	show	VERB
ajbmeb-2427	61	9	that	that	SCONJ
ajbmeb-2427	61	10	the	the	DET
ajbmeb-2427	61	11	effectiveness	effectiveness	NOUN
ajbmeb-2427	61	12	of	of	ADP
ajbmeb-2427	61	13	regional	regional	ADJ
ajbmeb-2427	61	14	loans	loan	NOUN
ajbmeb-2427	61	15	is	be	AUX
ajbmeb-2427	61	16	insufficient	insufficient	ADJ
ajbmeb-2427	61	17	.	.	PUNCT
ajbmeb-2427	62	1	the	the	DET
ajbmeb-2427	62	2	reasons	reason	NOUN
ajbmeb-2427	62	3	for	for	ADP
ajbmeb-2427	62	4	this	this	PRON
ajbmeb-2427	62	5	and	and	CCONJ
ajbmeb-2427	62	6	the	the	DET
ajbmeb-2427	62	7	ways	way	NOUN
ajbmeb-2427	62	8	to	to	PART
ajbmeb-2427	62	9	determine	determine	VERB
ajbmeb-2427	62	10	it	it	PRON
ajbmeb-2427	62	11	depend	depend	VERB
ajbmeb-2427	62	12	on	on	ADP
ajbmeb-2427	62	13	a	a	DET
ajbmeb-2427	62	14	number	number	NOUN
ajbmeb-2427	62	15	of	of	ADP
ajbmeb-2427	62	16	factors	factor	NOUN
ajbmeb-2427	62	17	.	.	PUNCT
ajbmeb-2427	63	1	first	first	ADV
ajbmeb-2427	63	2	of	of	ADP
ajbmeb-2427	63	3	all	all	PRON
ajbmeb-2427	63	4	,	,	PUNCT
ajbmeb-2427	63	5	it	it	PRON
ajbmeb-2427	63	6	can	can	AUX
ajbmeb-2427	63	7	be	be	AUX
ajbmeb-2427	63	8	said	say	VERB
ajbmeb-2427	63	9	that	that	SCONJ
ajbmeb-2427	63	10	the	the	DET
ajbmeb-2427	63	11	loans	loan	NOUN
ajbmeb-2427	63	12	allocated	allocate	VERB
ajbmeb-2427	63	13	to	to	ADP
ajbmeb-2427	63	14	the	the	DET
ajbmeb-2427	63	15	regions	region	NOUN
ajbmeb-2427	63	16	are	be	AUX
ajbmeb-2427	63	17	related	relate	VERB
ajbmeb-2427	63	18	to	to	ADP
ajbmeb-2427	63	19	the	the	DET
ajbmeb-2427	63	20	fact	fact	NOUN
ajbmeb-2427	63	21	that	that	SCONJ
ajbmeb-2427	63	22	financial	financial	ADJ
ajbmeb-2427	63	23	resources	resource	NOUN
ajbmeb-2427	63	24	are	be	AUX
ajbmeb-2427	63	25	not	not	PART
ajbmeb-2427	63	26	being	be	AUX
ajbmeb-2427	63	27	used	use	VERB
ajbmeb-2427	63	28	effectively	effectively	ADV
ajbmeb-2427	63	29	.	.	PUNCT
ajbmeb-2427	64	1	in	in	ADP
ajbmeb-2427	64	2	some	some	DET
ajbmeb-2427	64	3	regions	region	NOUN
ajbmeb-2427	64	4	of	of	ADP
ajbmeb-2427	64	5	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	64	6	,	,	PUNCT
ajbmeb-2427	64	7	the	the	DET
ajbmeb-2427	64	8	impact	impact	NOUN
ajbmeb-2427	64	9	of	of	ADP
ajbmeb-2427	64	10	loans	loan	NOUN
ajbmeb-2427	64	11	on	on	ADP
ajbmeb-2427	64	12	economic	economic	ADJ
ajbmeb-2427	64	13	activity	activity	NOUN
ajbmeb-2427	64	14	remains	remain	VERB
ajbmeb-2427	64	15	low	low	ADJ
ajbmeb-2427	64	16	.	.	PUNCT
ajbmeb-2427	65	1	for	for	ADP
ajbmeb-2427	65	2	example	example	NOUN
ajbmeb-2427	65	3	,	,	PUNCT
ajbmeb-2427	65	4	loans	loan	NOUN
ajbmeb-2427	65	5	directed	direct	VERB
ajbmeb-2427	65	6	to	to	ADP
ajbmeb-2427	65	7	farmers	farmer	NOUN
ajbmeb-2427	65	8	and	and	CCONJ
ajbmeb-2427	65	9	agricultural	agricultural	ADJ
ajbmeb-2427	65	10	entities	entity	NOUN
ajbmeb-2427	65	11	in	in	ADP
ajbmeb-2427	65	12	the	the	DET
ajbmeb-2427	65	13	agricultural	agricultural	ADJ
ajbmeb-2427	65	14	regions	region	NOUN
ajbmeb-2427	65	15	of	of	ADP
ajbmeb-2427	65	16	the	the	DET
ajbmeb-2427	65	17	country	country	NOUN
ajbmeb-2427	65	18	are	be	AUX
ajbmeb-2427	65	19	not	not	PART
ajbmeb-2427	65	20	effective	effective	ADJ
ajbmeb-2427	65	21	enough	enough	ADV
ajbmeb-2427	65	22	.	.	PUNCT
ajbmeb-2427	66	1	this	this	PRON
ajbmeb-2427	66	2	may	may	AUX
ajbmeb-2427	66	3	be	be	AUX
ajbmeb-2427	66	4	due	due	ADJ
ajbmeb-2427	66	5	to	to	ADP
ajbmeb-2427	66	6	the	the	DET
ajbmeb-2427	66	7	low	low	ADJ
ajbmeb-2427	66	8	financial	financial	ADJ
ajbmeb-2427	66	9	literacy	literacy	NOUN
ajbmeb-2427	66	10	of	of	ADP
ajbmeb-2427	66	11	farmers	farmer	NOUN
ajbmeb-2427	66	12	and	and	CCONJ
ajbmeb-2427	66	13	entrepreneurs	entrepreneur	NOUN
ajbmeb-2427	66	14	and	and	CCONJ
ajbmeb-2427	66	15	the	the	DET
ajbmeb-2427	66	16	lack	lack	NOUN
ajbmeb-2427	66	17	of	of	ADP
ajbmeb-2427	66	18	proper	proper	ADJ
ajbmeb-2427	66	19	financial	financial	ADJ
ajbmeb-2427	66	20	planning	planning	NOUN
ajbmeb-2427	66	21	and	and	CCONJ
ajbmeb-2427	66	22	management	management	NOUN
ajbmeb-2427	66	23	mechanisms	mechanism	NOUN
ajbmeb-2427	66	24	in	in	ADP
ajbmeb-2427	66	25	the	the	DET
ajbmeb-2427	66	26	lending	lending	NOUN
ajbmeb-2427	66	27	process	process	NOUN
ajbmeb-2427	66	28	.	.	PUNCT
ajbmeb-2427	67	1	as	as	ADP
ajbmeb-2427	67	2	a	a	DET
ajbmeb-2427	67	3	result	result	NOUN
ajbmeb-2427	67	4	,	,	PUNCT
ajbmeb-2427	67	5	allocated	allocate	VERB
ajbmeb-2427	67	6	loans	loan	NOUN
ajbmeb-2427	67	7	are	be	AUX
ajbmeb-2427	67	8	not	not	PART
ajbmeb-2427	67	9	fully	fully	ADV
ajbmeb-2427	67	10	effective	effective	ADJ
ajbmeb-2427	67	11	and	and	CCONJ
ajbmeb-2427	67	12	do	do	AUX
ajbmeb-2427	67	13	not	not	PART
ajbmeb-2427	67	14	provide	provide	VERB
ajbmeb-2427	67	15	an	an	DET
ajbmeb-2427	67	16	opportunity	opportunity	NOUN
ajbmeb-2427	67	17	to	to	PART
ajbmeb-2427	67	18	achieve	achieve	VERB
ajbmeb-2427	67	19	development	development	NOUN
ajbmeb-2427	67	20	goals	goal	NOUN
ajbmeb-2427	67	21	.	.	PUNCT
ajbmeb-2427	68	1	secondly	secondly	ADV
ajbmeb-2427	68	2	,	,	PUNCT
ajbmeb-2427	68	3	the	the	DET
ajbmeb-2427	68	4	ineffectiveness	ineffectiveness	NOUN
ajbmeb-2427	68	5	of	of	ADP
ajbmeb-2427	68	6	regional	regional	ADJ
ajbmeb-2427	68	7	lending	lending	NOUN
ajbmeb-2427	68	8	is	be	AUX
ajbmeb-2427	68	9	also	also	ADV
ajbmeb-2427	68	10	reflected	reflect	VERB
ajbmeb-2427	68	11	in	in	ADP
ajbmeb-2427	68	12	the	the	DET
ajbmeb-2427	68	13	wrong	wrong	ADJ
ajbmeb-2427	68	14	direction	direction	NOUN
ajbmeb-2427	68	15	of	of	ADP
ajbmeb-2427	68	16	loans	loan	NOUN
ajbmeb-2427	68	17	.	.	PUNCT
ajbmeb-2427	69	1	in	in	ADP
ajbmeb-2427	69	2	some	some	DET
ajbmeb-2427	69	3	cases	case	NOUN
ajbmeb-2427	69	4	,	,	PUNCT
ajbmeb-2427	69	5	loans	loan	NOUN
ajbmeb-2427	69	6	may	may	AUX
ajbmeb-2427	69	7	be	be	AUX
ajbmeb-2427	69	8	distributed	distribute	VERB
ajbmeb-2427	69	9	under	under	ADP
ajbmeb-2427	69	10	the	the	DET
ajbmeb-2427	69	11	influence	influence	NOUN
ajbmeb-2427	69	12	of	of	ADP
ajbmeb-2427	69	13	specific	specific	ADJ
ajbmeb-2427	69	14	stakeholders	stakeholder	NOUN
ajbmeb-2427	69	15	rather	rather	ADV
ajbmeb-2427	69	16	than	than	ADP
ajbmeb-2427	69	17	based	base	VERB
ajbmeb-2427	69	18	on	on	ADP
ajbmeb-2427	69	19	american	american	PROPN
ajbmeb-2427	69	20	journal	journal	PROPN
ajbmeb-2427	69	21	of	of	ADP
ajbmeb-2427	69	22	business	business	NOUN
ajbmeb-2427	69	23	management	management	NOUN
ajbmeb-2427	69	24	,	,	PUNCT
ajbmeb-2427	69	25	economics	economic	NOUN
ajbmeb-2427	69	26	and	and	CCONJ
ajbmeb-2427	69	27	banking	banking	NOUN
ajbmeb-2427	69	28	volume	volume	NOUN
ajbmeb-2427	69	29	29	29	NUM
ajbmeb-2427	69	30	october	october	PROPN
ajbmeb-2427	69	31	2024	2024	NUM
ajbmeb-2427	69	32	p	p	NOUN
ajbmeb-2427	69	33	a	a	DET
ajbmeb-2427	69	34	g	g	NOUN
ajbmeb-2427	69	35	e	e	NOUN
ajbmeb-2427	69	36	|	|	ADV
ajbmeb-2427	69	37	68	68	NUM
ajbmeb-2427	69	38	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2427	69	39	regional	regional	ADJ
ajbmeb-2427	69	40	economic	economic	ADJ
ajbmeb-2427	69	41	needs	need	NOUN
ajbmeb-2427	69	42	and	and	CCONJ
ajbmeb-2427	69	43	opportunities	opportunity	NOUN
ajbmeb-2427	69	44	.	.	PUNCT
ajbmeb-2427	70	1	this	this	DET
ajbmeb-2427	70	2	situation	situation	NOUN
ajbmeb-2427	70	3	shows	show	VERB
ajbmeb-2427	70	4	the	the	DET
ajbmeb-2427	70	5	high	high	ADJ
ajbmeb-2427	70	6	level	level	NOUN
ajbmeb-2427	70	7	of	of	ADP
ajbmeb-2427	70	8	corruption	corruption	NOUN
ajbmeb-2427	70	9	and	and	CCONJ
ajbmeb-2427	70	10	the	the	DET
ajbmeb-2427	70	11	underground	underground	ADJ
ajbmeb-2427	70	12	economy	economy	NOUN
ajbmeb-2427	70	13	.	.	PUNCT
ajbmeb-2427	71	1	for	for	ADP
ajbmeb-2427	71	2	example	example	NOUN
ajbmeb-2427	71	3	,	,	PUNCT
ajbmeb-2427	71	4	loans	loan	NOUN
ajbmeb-2427	71	5	that	that	PRON
ajbmeb-2427	71	6	should	should	AUX
ajbmeb-2427	71	7	be	be	AUX
ajbmeb-2427	71	8	allocated	allocate	VERB
ajbmeb-2427	71	9	to	to	ADP
ajbmeb-2427	71	10	small	small	ADJ
ajbmeb-2427	71	11	and	and	CCONJ
ajbmeb-2427	71	12	medium	medium	ADJ
ajbmeb-2427	71	13	-	-	PUNCT
ajbmeb-2427	71	14	sized	sized	ADJ
ajbmeb-2427	71	15	business	business	NOUN
ajbmeb-2427	71	16	entities	entity	NOUN
ajbmeb-2427	71	17	operating	operate	VERB
ajbmeb-2427	71	18	in	in	ADP
ajbmeb-2427	71	19	the	the	DET
ajbmeb-2427	71	20	regions	region	NOUN
ajbmeb-2427	71	21	are	be	AUX
ajbmeb-2427	71	22	in	in	ADP
ajbmeb-2427	71	23	some	some	DET
ajbmeb-2427	71	24	cases	case	NOUN
ajbmeb-2427	71	25	directed	direct	VERB
ajbmeb-2427	71	26	to	to	ADP
ajbmeb-2427	71	27	large	large	ADJ
ajbmeb-2427	71	28	companies	company	NOUN
ajbmeb-2427	71	29	or	or	CCONJ
ajbmeb-2427	71	30	projects	project	NOUN
ajbmeb-2427	71	31	related	relate	VERB
ajbmeb-2427	71	32	to	to	ADP
ajbmeb-2427	71	33	officials	official	NOUN
ajbmeb-2427	71	34	.	.	PUNCT
ajbmeb-2427	72	1	this	this	PRON
ajbmeb-2427	72	2	has	have	VERB
ajbmeb-2427	72	3	a	a	DET
ajbmeb-2427	72	4	negative	negative	ADJ
ajbmeb-2427	72	5	impact	impact	NOUN
ajbmeb-2427	72	6	on	on	ADP
ajbmeb-2427	72	7	the	the	DET
ajbmeb-2427	72	8	reduction	reduction	NOUN
ajbmeb-2427	72	9	of	of	ADP
ajbmeb-2427	72	10	entrepreneurship	entrepreneurship	NOUN
ajbmeb-2427	72	11	and	and	CCONJ
ajbmeb-2427	72	12	regional	regional	ADJ
ajbmeb-2427	72	13	development	development	NOUN
ajbmeb-2427	72	14	.	.	PUNCT
ajbmeb-2427	73	1	the	the	DET
ajbmeb-2427	73	2	inefficiency	inefficiency	NOUN
ajbmeb-2427	73	3	of	of	ADP
ajbmeb-2427	73	4	regional	regional	ADJ
ajbmeb-2427	73	5	loans	loan	NOUN
ajbmeb-2427	73	6	is	be	AUX
ajbmeb-2427	73	7	also	also	ADV
ajbmeb-2427	73	8	caused	cause	VERB
ajbmeb-2427	73	9	by	by	ADP
ajbmeb-2427	73	10	the	the	DET
ajbmeb-2427	73	11	lack	lack	NOUN
ajbmeb-2427	73	12	of	of	ADP
ajbmeb-2427	73	13	economic	economic	ADJ
ajbmeb-2427	73	14	infrastructure	infrastructure	NOUN
ajbmeb-2427	73	15	and	and	CCONJ
ajbmeb-2427	73	16	favorable	favorable	ADJ
ajbmeb-2427	73	17	conditions	condition	NOUN
ajbmeb-2427	73	18	.	.	PUNCT
ajbmeb-2427	74	1	although	although	SCONJ
ajbmeb-2427	74	2	the	the	DET
ajbmeb-2427	74	3	allocated	allocate	VERB
ajbmeb-2427	74	4	loans	loan	NOUN
ajbmeb-2427	74	5	are	be	AUX
ajbmeb-2427	74	6	expected	expect	VERB
ajbmeb-2427	74	7	to	to	PART
ajbmeb-2427	74	8	increase	increase	VERB
ajbmeb-2427	74	9	economic	economic	ADJ
ajbmeb-2427	74	10	activity	activity	NOUN
ajbmeb-2427	74	11	in	in	ADP
ajbmeb-2427	74	12	rural	rural	ADJ
ajbmeb-2427	74	13	areas	area	NOUN
ajbmeb-2427	74	14	and	and	CCONJ
ajbmeb-2427	74	15	create	create	VERB
ajbmeb-2427	74	16	new	new	ADJ
ajbmeb-2427	74	17	enterprises	enterprise	NOUN
ajbmeb-2427	74	18	,	,	PUNCT
ajbmeb-2427	74	19	the	the	DET
ajbmeb-2427	74	20	lack	lack	NOUN
ajbmeb-2427	74	21	of	of	ADP
ajbmeb-2427	74	22	infrastructure	infrastructure	NOUN
ajbmeb-2427	74	23	complicates	complicate	VERB
ajbmeb-2427	74	24	this	this	DET
ajbmeb-2427	74	25	process	process	NOUN
ajbmeb-2427	74	26	.	.	PUNCT
ajbmeb-2427	75	1	for	for	ADP
ajbmeb-2427	75	2	example	example	NOUN
ajbmeb-2427	75	3	,	,	PUNCT
ajbmeb-2427	75	4	in	in	ADP
ajbmeb-2427	75	5	areas	area	NOUN
ajbmeb-2427	75	6	with	with	ADP
ajbmeb-2427	75	7	inadequate	inadequate	ADJ
ajbmeb-2427	75	8	roads	road	NOUN
ajbmeb-2427	75	9	,	,	PUNCT
ajbmeb-2427	75	10	electricity	electricity	NOUN
ajbmeb-2427	75	11	supply	supply	NOUN
ajbmeb-2427	75	12	,	,	PUNCT
ajbmeb-2427	75	13	or	or	CCONJ
ajbmeb-2427	75	14	water	water	NOUN
ajbmeb-2427	75	15	infrastructure	infrastructure	NOUN
ajbmeb-2427	75	16	,	,	PUNCT
ajbmeb-2427	75	17	the	the	DET
ajbmeb-2427	75	18	allocated	allocate	VERB
ajbmeb-2427	75	19	loans	loan	NOUN
ajbmeb-2427	75	20	may	may	AUX
ajbmeb-2427	75	21	not	not	PART
ajbmeb-2427	75	22	be	be	AUX
ajbmeb-2427	75	23	used	use	VERB
ajbmeb-2427	75	24	effectively	effectively	ADV
ajbmeb-2427	75	25	.	.	PUNCT
ajbmeb-2427	76	1	in	in	ADP
ajbmeb-2427	76	2	addition	addition	NOUN
ajbmeb-2427	76	3	,	,	PUNCT
ajbmeb-2427	76	4	limited	limited	ADJ
ajbmeb-2427	76	5	banking	banking	NOUN
ajbmeb-2427	76	6	services	service	NOUN
ajbmeb-2427	76	7	or	or	CCONJ
ajbmeb-2427	76	8	poor	poor	ADJ
ajbmeb-2427	76	9	lending	lending	NOUN
ajbmeb-2427	76	10	conditions	condition	NOUN
ajbmeb-2427	76	11	have	have	VERB
ajbmeb-2427	76	12	a	a	DET
ajbmeb-2427	76	13	negative	negative	ADJ
ajbmeb-2427	76	14	impact	impact	NOUN
ajbmeb-2427	76	15	on	on	ADP
ajbmeb-2427	76	16	regional	regional	ADJ
ajbmeb-2427	76	17	development	development	NOUN
ajbmeb-2427	76	18	.	.	PUNCT
ajbmeb-2427	77	1	in	in	ADP
ajbmeb-2427	77	2	the	the	DET
ajbmeb-2427	77	3	process	process	NOUN
ajbmeb-2427	77	4	of	of	ADP
ajbmeb-2427	77	5	obtaining	obtain	VERB
ajbmeb-2427	77	6	credit	credit	NOUN
ajbmeb-2427	77	7	,	,	PUNCT
ajbmeb-2427	77	8	entrepreneurs	entrepreneur	NOUN
ajbmeb-2427	77	9	and	and	CCONJ
ajbmeb-2427	77	10	farmers	farmer	NOUN
ajbmeb-2427	77	11	face	face	VERB
ajbmeb-2427	77	12	difficulties	difficulty	NOUN
ajbmeb-2427	77	13	in	in	ADP
ajbmeb-2427	77	14	accessing	access	VERB
ajbmeb-2427	77	15	financial	financial	ADJ
ajbmeb-2427	77	16	resources	resource	NOUN
ajbmeb-2427	77	17	,	,	PUNCT
ajbmeb-2427	77	18	which	which	PRON
ajbmeb-2427	77	19	causes	cause	VERB
ajbmeb-2427	77	20	ineffectiveness	ineffectiveness	NOUN
ajbmeb-2427	77	21	of	of	ADP
ajbmeb-2427	77	22	loans	loan	NOUN
ajbmeb-2427	77	23	.	.	PUNCT
ajbmeb-2427	78	1	another	another	DET
ajbmeb-2427	78	2	important	important	ADJ
ajbmeb-2427	78	3	factor	factor	NOUN
ajbmeb-2427	78	4	is	be	AUX
ajbmeb-2427	78	5	that	that	SCONJ
ajbmeb-2427	78	6	the	the	DET
ajbmeb-2427	78	7	amount	amount	NOUN
ajbmeb-2427	78	8	of	of	ADP
ajbmeb-2427	78	9	loans	loan	NOUN
ajbmeb-2427	78	10	and	and	CCONJ
ajbmeb-2427	78	11	interest	interest	NOUN
ajbmeb-2427	78	12	rates	rate	NOUN
ajbmeb-2427	78	13	do	do	AUX
ajbmeb-2427	78	14	not	not	PART
ajbmeb-2427	78	15	correspond	correspond	VERB
ajbmeb-2427	78	16	to	to	ADP
ajbmeb-2427	78	17	the	the	DET
ajbmeb-2427	78	18	needs	need	NOUN
ajbmeb-2427	78	19	of	of	ADP
ajbmeb-2427	78	20	economic	economic	ADJ
ajbmeb-2427	78	21	development	development	NOUN
ajbmeb-2427	78	22	.	.	PUNCT
ajbmeb-2427	79	1	in	in	ADP
ajbmeb-2427	79	2	most	most	ADJ
ajbmeb-2427	79	3	cases	case	NOUN
ajbmeb-2427	79	4	,	,	PUNCT
ajbmeb-2427	79	5	the	the	DET
ajbmeb-2427	79	6	volume	volume	NOUN
ajbmeb-2427	79	7	of	of	ADP
ajbmeb-2427	79	8	loans	loan	NOUN
ajbmeb-2427	79	9	allocated	allocate	VERB
ajbmeb-2427	79	10	to	to	ADP
ajbmeb-2427	79	11	the	the	DET
ajbmeb-2427	79	12	regions	region	NOUN
ajbmeb-2427	79	13	will	will	AUX
ajbmeb-2427	79	14	not	not	PART
ajbmeb-2427	79	15	be	be	AUX
ajbmeb-2427	79	16	sufficient	sufficient	ADJ
ajbmeb-2427	79	17	.	.	PUNCT
ajbmeb-2427	80	1	for	for	ADP
ajbmeb-2427	80	2	example	example	NOUN
ajbmeb-2427	80	3	,	,	PUNCT
ajbmeb-2427	80	4	in	in	ADP
ajbmeb-2427	80	5	2021	2021	NUM
ajbmeb-2427	80	6	,	,	PUNCT
ajbmeb-2427	80	7	the	the	DET
ajbmeb-2427	80	8	total	total	ADJ
ajbmeb-2427	80	9	volume	volume	NOUN
ajbmeb-2427	80	10	of	of	ADP
ajbmeb-2427	80	11	loans	loan	NOUN
ajbmeb-2427	80	12	directed	direct	VERB
ajbmeb-2427	80	13	by	by	ADP
ajbmeb-2427	80	14	banks	bank	NOUN
ajbmeb-2427	80	15	to	to	ADP
ajbmeb-2427	80	16	regions	region	NOUN
ajbmeb-2427	80	17	was	be	AUX
ajbmeb-2427	80	18	25	25	NUM
ajbmeb-2427	80	19	%	%	NOUN
ajbmeb-2427	80	20	of	of	ADP
ajbmeb-2427	80	21	gdp	gdp	NOUN
ajbmeb-2427	80	22	,	,	PUNCT
ajbmeb-2427	80	23	while	while	SCONJ
ajbmeb-2427	80	24	in	in	ADP
ajbmeb-2427	80	25	developed	develop	VERB
ajbmeb-2427	80	26	countries	country	NOUN
ajbmeb-2427	80	27	this	this	DET
ajbmeb-2427	80	28	figure	figure	NOUN
ajbmeb-2427	80	29	is	be	AUX
ajbmeb-2427	80	30	40	40	NUM
ajbmeb-2427	80	31	%	%	NOUN
ajbmeb-2427	80	32	and	and	CCONJ
ajbmeb-2427	80	33	higher[1	higher[1	NOUN
ajbmeb-2427	80	34	]	]	PUNCT
ajbmeb-2427	80	35	.	.	PUNCT
ajbmeb-2427	81	1	the	the	DET
ajbmeb-2427	81	2	lack	lack	NOUN
ajbmeb-2427	81	3	of	of	ADP
ajbmeb-2427	81	4	targeted	target	VERB
ajbmeb-2427	81	5	loans	loan	NOUN
ajbmeb-2427	81	6	for	for	ADP
ajbmeb-2427	81	7	small	small	ADJ
ajbmeb-2427	81	8	and	and	CCONJ
ajbmeb-2427	81	9	medium	medium	ADJ
ajbmeb-2427	81	10	-	-	PUNCT
ajbmeb-2427	81	11	sized	sized	ADJ
ajbmeb-2427	81	12	business	business	NOUN
ajbmeb-2427	81	13	entities	entity	NOUN
ajbmeb-2427	81	14	limits	limit	VERB
ajbmeb-2427	81	15	their	their	PRON
ajbmeb-2427	81	16	activity	activity	NOUN
ajbmeb-2427	81	17	;	;	PUNCT
ajbmeb-2427	81	18	the	the	DET
ajbmeb-2427	81	19	possibility	possibility	NOUN
ajbmeb-2427	81	20	of	of	ADP
ajbmeb-2427	81	21	creating	create	VERB
ajbmeb-2427	81	22	new	new	ADJ
ajbmeb-2427	81	23	jobs	job	NOUN
ajbmeb-2427	81	24	decreases	decrease	VERB
ajbmeb-2427	81	25	.	.	PUNCT
ajbmeb-2427	82	1	in	in	ADP
ajbmeb-2427	82	2	addition	addition	NOUN
ajbmeb-2427	82	3	,	,	PUNCT
ajbmeb-2427	82	4	high	high	ADJ
ajbmeb-2427	82	5	interest	interest	NOUN
ajbmeb-2427	82	6	rates	rate	NOUN
ajbmeb-2427	82	7	on	on	ADP
ajbmeb-2427	82	8	loans	loan	NOUN
ajbmeb-2427	82	9	also	also	ADV
ajbmeb-2427	82	10	reduce	reduce	VERB
ajbmeb-2427	82	11	the	the	DET
ajbmeb-2427	82	12	demand	demand	NOUN
ajbmeb-2427	82	13	for	for	ADP
ajbmeb-2427	82	14	loans	loan	NOUN
ajbmeb-2427	82	15	by	by	ADP
ajbmeb-2427	82	16	entrepreneurs	entrepreneur	NOUN
ajbmeb-2427	82	17	.	.	PUNCT
ajbmeb-2427	83	1	in	in	ADP
ajbmeb-2427	83	2	many	many	ADJ
ajbmeb-2427	83	3	cases	case	NOUN
ajbmeb-2427	83	4	,	,	PUNCT
ajbmeb-2427	83	5	obtaining	obtain	VERB
ajbmeb-2427	83	6	16	16	NUM
ajbmeb-2427	83	7	-	-	SYM
ajbmeb-2427	83	8	17	17	NUM
ajbmeb-2427	83	9	%	%	NOUN
ajbmeb-2427	83	10	interest	interest	NOUN
ajbmeb-2427	83	11	loans	loan	NOUN
ajbmeb-2427	83	12	for	for	ADP
ajbmeb-2427	83	13	small	small	ADJ
ajbmeb-2427	83	14	enterprises	enterprise	NOUN
ajbmeb-2427	83	15	can	can	AUX
ajbmeb-2427	83	16	be	be	AUX
ajbmeb-2427	83	17	an	an	DET
ajbmeb-2427	83	18	excessive	excessive	ADJ
ajbmeb-2427	83	19	financial	financial	ADJ
ajbmeb-2427	83	20	burden	burden	NOUN
ajbmeb-2427	83	21	,	,	PUNCT
ajbmeb-2427	83	22	which	which	PRON
ajbmeb-2427	83	23	leads	lead	VERB
ajbmeb-2427	83	24	to	to	ADP
ajbmeb-2427	83	25	a	a	DET
ajbmeb-2427	83	26	decrease	decrease	NOUN
ajbmeb-2427	83	27	in	in	ADP
ajbmeb-2427	83	28	economic	economic	ADJ
ajbmeb-2427	83	29	activity	activity	NOUN
ajbmeb-2427	83	30	.	.	PUNCT
ajbmeb-2427	84	1	summary	summary	NOUN
ajbmeb-2427	84	2	as	as	ADP
ajbmeb-2427	84	3	a	a	DET
ajbmeb-2427	84	4	result	result	NOUN
ajbmeb-2427	84	5	of	of	ADP
ajbmeb-2427	84	6	the	the	DET
ajbmeb-2427	84	7	conducted	conduct	VERB
ajbmeb-2427	84	8	studies	study	NOUN
ajbmeb-2427	84	9	and	and	CCONJ
ajbmeb-2427	84	10	analysis	analysis	NOUN
ajbmeb-2427	84	11	,	,	PUNCT
ajbmeb-2427	84	12	we	we	PRON
ajbmeb-2427	84	13	formed	form	VERB
ajbmeb-2427	84	14	the	the	DET
ajbmeb-2427	84	15	following	follow	VERB
ajbmeb-2427	84	16	general	general	ADJ
ajbmeb-2427	84	17	conclusions	conclusion	NOUN
ajbmeb-2427	84	18	:	:	PUNCT
ajbmeb-2427	84	19	by	by	ADP
ajbmeb-2427	84	20	increasing	increase	VERB
ajbmeb-2427	84	21	the	the	DET
ajbmeb-2427	84	22	effectiveness	effectiveness	NOUN
ajbmeb-2427	84	23	of	of	ADP
ajbmeb-2427	84	24	regional	regional	ADJ
ajbmeb-2427	84	25	lending	lending	NOUN
ajbmeb-2427	84	26	,	,	PUNCT
ajbmeb-2427	84	27	small	small	ADJ
ajbmeb-2427	84	28	businesses	business	NOUN
ajbmeb-2427	84	29	and	and	CCONJ
ajbmeb-2427	84	30	private	private	ADJ
ajbmeb-2427	84	31	enterprises	enterprise	NOUN
ajbmeb-2427	84	32	will	will	AUX
ajbmeb-2427	84	33	have	have	VERB
ajbmeb-2427	84	34	the	the	DET
ajbmeb-2427	84	35	opportunity	opportunity	NOUN
ajbmeb-2427	84	36	to	to	PART
ajbmeb-2427	84	37	expand	expand	VERB
ajbmeb-2427	84	38	their	their	PRON
ajbmeb-2427	84	39	activities	activity	NOUN
ajbmeb-2427	84	40	,	,	PUNCT
ajbmeb-2427	84	41	develop	develop	VERB
ajbmeb-2427	84	42	infrastructure	infrastructure	NOUN
ajbmeb-2427	84	43	,	,	PUNCT
ajbmeb-2427	84	44	and	and	CCONJ
ajbmeb-2427	84	45	create	create	VERB
ajbmeb-2427	84	46	new	new	ADJ
ajbmeb-2427	84	47	jobs	job	NOUN
ajbmeb-2427	84	48	.	.	PUNCT
ajbmeb-2427	85	1	this	this	DET
ajbmeb-2427	85	2	process	process	NOUN
ajbmeb-2427	85	3	serves	serve	VERB
ajbmeb-2427	85	4	the	the	DET
ajbmeb-2427	85	5	stable	stable	ADJ
ajbmeb-2427	85	6	development	development	NOUN
ajbmeb-2427	85	7	of	of	ADP
ajbmeb-2427	85	8	the	the	DET
ajbmeb-2427	85	9	country	country	NOUN
ajbmeb-2427	85	10	's	's	PART
ajbmeb-2427	85	11	economy	economy	NOUN
ajbmeb-2427	85	12	.	.	PUNCT
ajbmeb-2427	86	1	regional	regional	ADJ
ajbmeb-2427	86	2	development	development	NOUN
ajbmeb-2427	86	3	helps	help	VERB
ajbmeb-2427	86	4	to	to	PART
ajbmeb-2427	86	5	expand	expand	VERB
ajbmeb-2427	86	6	economic	economic	ADJ
ajbmeb-2427	86	7	opportunities	opportunity	NOUN
ajbmeb-2427	86	8	and	and	CCONJ
ajbmeb-2427	86	9	ensure	ensure	VERB
ajbmeb-2427	86	10	social	social	ADJ
ajbmeb-2427	86	11	stability	stability	NOUN
ajbmeb-2427	86	12	in	in	ADP
ajbmeb-2427	86	13	all	all	DET
ajbmeb-2427	86	14	regions	region	NOUN
ajbmeb-2427	86	15	of	of	ADP
ajbmeb-2427	86	16	the	the	DET
ajbmeb-2427	86	17	country	country	NOUN
ajbmeb-2427	86	18	through	through	ADP
ajbmeb-2427	86	19	effective	effective	ADJ
ajbmeb-2427	86	20	lending	lending	NOUN
ajbmeb-2427	86	21	;	;	PUNCT
ajbmeb-2427	86	22	support	support	NOUN
ajbmeb-2427	86	23	of	of	ADP
ajbmeb-2427	86	24	small	small	ADJ
ajbmeb-2427	86	25	businesses	business	NOUN
ajbmeb-2427	86	26	and	and	CCONJ
ajbmeb-2427	86	27	private	private	ADJ
ajbmeb-2427	86	28	enterprises	enterprise	NOUN
ajbmeb-2427	86	29	is	be	AUX
ajbmeb-2427	86	30	the	the	DET
ajbmeb-2427	86	31	locomotive	locomotive	NOUN
ajbmeb-2427	86	32	of	of	ADP
ajbmeb-2427	86	33	the	the	DET
ajbmeb-2427	86	34	country	country	NOUN
ajbmeb-2427	86	35	's	's	PART
ajbmeb-2427	86	36	economy	economy	NOUN
ajbmeb-2427	86	37	,	,	PUNCT
ajbmeb-2427	86	38	especially	especially	ADV
ajbmeb-2427	86	39	in	in	ADP
ajbmeb-2427	86	40	developing	develop	VERB
ajbmeb-2427	86	41	regions	region	NOUN
ajbmeb-2427	86	42	,	,	PUNCT
ajbmeb-2427	86	43	where	where	SCONJ
ajbmeb-2427	86	44	their	their	PRON
ajbmeb-2427	86	45	development	development	NOUN
ajbmeb-2427	86	46	is	be	AUX
ajbmeb-2427	86	47	important	important	ADJ
ajbmeb-2427	86	48	.	.	PUNCT
ajbmeb-2427	87	1	through	through	ADP
ajbmeb-2427	87	2	region	region	NOUN
ajbmeb-2427	87	3	-	-	PUNCT
ajbmeb-2427	87	4	oriented	orient	VERB
ajbmeb-2427	87	5	loans	loan	NOUN
ajbmeb-2427	87	6	,	,	PUNCT
ajbmeb-2427	87	7	small	small	ADJ
ajbmeb-2427	87	8	and	and	CCONJ
ajbmeb-2427	87	9	medium	medium	ADJ
ajbmeb-2427	87	10	-	-	PUNCT
ajbmeb-2427	87	11	sized	sized	ADJ
ajbmeb-2427	87	12	businesses	business	NOUN
ajbmeb-2427	87	13	will	will	AUX
ajbmeb-2427	87	14	have	have	VERB
ajbmeb-2427	87	15	the	the	DET
ajbmeb-2427	87	16	opportunity	opportunity	NOUN
ajbmeb-2427	87	17	to	to	PART
ajbmeb-2427	87	18	expand	expand	VERB
ajbmeb-2427	87	19	their	their	PRON
ajbmeb-2427	87	20	products	product	NOUN
ajbmeb-2427	87	21	and	and	CCONJ
ajbmeb-2427	87	22	services	service	NOUN
ajbmeb-2427	87	23	,	,	PUNCT
ajbmeb-2427	87	24	enter	enter	VERB
ajbmeb-2427	87	25	new	new	ADJ
ajbmeb-2427	87	26	markets	market	NOUN
ajbmeb-2427	87	27	,	,	PUNCT
ajbmeb-2427	87	28	and	and	CCONJ
ajbmeb-2427	87	29	introduce	introduce	VERB
ajbmeb-2427	87	30	innovations	innovation	NOUN
ajbmeb-2427	87	31	.	.	PUNCT
ajbmeb-2427	88	1	also	also	ADV
ajbmeb-2427	88	2	,	,	PUNCT
ajbmeb-2427	88	3	supporting	support	VERB
ajbmeb-2427	88	4	small	small	ADJ
ajbmeb-2427	88	5	businesses	business	NOUN
ajbmeb-2427	88	6	and	and	CCONJ
ajbmeb-2427	88	7	private	private	ADJ
ajbmeb-2427	88	8	enterprises	enterprise	NOUN
ajbmeb-2427	88	9	will	will	AUX
ajbmeb-2427	88	10	help	help	VERB
ajbmeb-2427	88	11	create	create	VERB
ajbmeb-2427	88	12	new	new	ADJ
ajbmeb-2427	88	13	jobs	job	NOUN
ajbmeb-2427	88	14	and	and	CCONJ
ajbmeb-2427	88	15	increase	increase	VERB
ajbmeb-2427	88	16	the	the	DET
ajbmeb-2427	88	17	income	income	NOUN
ajbmeb-2427	88	18	of	of	ADP
ajbmeb-2427	88	19	the	the	DET
ajbmeb-2427	88	20	population	population	NOUN
ajbmeb-2427	88	21	.	.	PUNCT
ajbmeb-2427	89	1	this	this	PRON
ajbmeb-2427	89	2	serves	serve	VERB
ajbmeb-2427	89	3	to	to	PART
ajbmeb-2427	89	4	reduce	reduce	VERB
ajbmeb-2427	89	5	social	social	ADJ
ajbmeb-2427	89	6	problems	problem	NOUN
ajbmeb-2427	89	7	in	in	ADP
ajbmeb-2427	89	8	the	the	DET
ajbmeb-2427	89	9	regions	region	NOUN
ajbmeb-2427	89	10	and	and	CCONJ
ajbmeb-2427	89	11	improve	improve	VERB
ajbmeb-2427	89	12	the	the	DET
ajbmeb-2427	89	13	living	living	NOUN
ajbmeb-2427	89	14	conditions	condition	NOUN
ajbmeb-2427	89	15	of	of	ADP
ajbmeb-2427	89	16	the	the	DET
ajbmeb-2427	89	17	population	population	NOUN
ajbmeb-2427	89	18	.	.	PUNCT
ajbmeb-2427	90	1	corruption	corruption	NOUN
ajbmeb-2427	90	2	and	and	CCONJ
ajbmeb-2427	90	3	a	a	DET
ajbmeb-2427	90	4	lack	lack	NOUN
ajbmeb-2427	90	5	of	of	ADP
ajbmeb-2427	90	6	transparency	transparency	NOUN
ajbmeb-2427	90	7	in	in	ADP
ajbmeb-2427	90	8	regional	regional	ADJ
ajbmeb-2427	90	9	lending	lending	NOUN
ajbmeb-2427	90	10	are	be	AUX
ajbmeb-2427	90	11	two	two	NUM
ajbmeb-2427	90	12	of	of	ADP
ajbmeb-2427	90	13	the	the	DET
ajbmeb-2427	90	14	important	important	ADJ
ajbmeb-2427	90	15	obstacles	obstacle	NOUN
ajbmeb-2427	90	16	.	.	PUNCT
ajbmeb-2427	91	1	when	when	SCONJ
ajbmeb-2427	91	2	allocated	allocate	VERB
ajbmeb-2427	91	3	loans	loan	NOUN
ajbmeb-2427	91	4	are	be	AUX
ajbmeb-2427	91	5	misdirected	misdirect	VERB
ajbmeb-2427	91	6	,	,	PUNCT
ajbmeb-2427	91	7	regional	regional	ADJ
ajbmeb-2427	91	8	development	development	NOUN
ajbmeb-2427	91	9	slows	slow	VERB
ajbmeb-2427	91	10	down	down	ADP
ajbmeb-2427	91	11	,	,	PUNCT
ajbmeb-2427	91	12	and	and	CCONJ
ajbmeb-2427	91	13	it	it	PRON
ajbmeb-2427	91	14	becomes	become	VERB
ajbmeb-2427	91	15	difficult	difficult	ADJ
ajbmeb-2427	91	16	for	for	SCONJ
ajbmeb-2427	91	17	entrepreneurs	entrepreneur	NOUN
ajbmeb-2427	91	18	to	to	PART
ajbmeb-2427	91	19	access	access	VERB
ajbmeb-2427	91	20	financial	financial	ADJ
ajbmeb-2427	91	21	resources	resource	NOUN
ajbmeb-2427	91	22	.	.	PUNCT
ajbmeb-2427	92	1	corruption	corruption	NOUN
ajbmeb-2427	92	2	has	have	VERB
ajbmeb-2427	92	3	a	a	DET
ajbmeb-2427	92	4	negative	negative	ADJ
ajbmeb-2427	92	5	impact	impact	NOUN
ajbmeb-2427	92	6	on	on	ADP
ajbmeb-2427	92	7	the	the	DET
ajbmeb-2427	92	8	activity	activity	NOUN
ajbmeb-2427	92	9	of	of	ADP
ajbmeb-2427	92	10	commercial	commercial	ADJ
ajbmeb-2427	92	11	banks	bank	NOUN
ajbmeb-2427	92	12	and	and	CCONJ
ajbmeb-2427	92	13	leads	lead	VERB
ajbmeb-2427	92	14	to	to	ADP
ajbmeb-2427	92	15	inefficient	inefficient	ADJ
ajbmeb-2427	92	16	allocation	allocation	NOUN
ajbmeb-2427	92	17	of	of	ADP
ajbmeb-2427	92	18	investments	investment	NOUN
ajbmeb-2427	92	19	.	.	PUNCT
ajbmeb-2427	93	1	the	the	DET
ajbmeb-2427	93	2	effectiveness	effectiveness	NOUN
ajbmeb-2427	93	3	of	of	ADP
ajbmeb-2427	93	4	regional	regional	ADJ
ajbmeb-2427	93	5	lending	lending	NOUN
ajbmeb-2427	93	6	can	can	AUX
ajbmeb-2427	93	7	be	be	AUX
ajbmeb-2427	93	8	improved	improve	VERB
ajbmeb-2427	93	9	by	by	ADP
ajbmeb-2427	93	10	increasing	increase	VERB
ajbmeb-2427	93	11	transparency	transparency	NOUN
ajbmeb-2427	93	12	and	and	CCONJ
ajbmeb-2427	93	13	fighting	fight	VERB
ajbmeb-2427	93	14	corruption	corruption	NOUN
ajbmeb-2427	93	15	.	.	PUNCT
ajbmeb-2427	94	1	the	the	DET
ajbmeb-2427	94	2	efficiency	efficiency	NOUN
ajbmeb-2427	94	3	of	of	ADP
ajbmeb-2427	94	4	loans	loan	NOUN
ajbmeb-2427	94	5	directed	direct	VERB
ajbmeb-2427	94	6	to	to	ADP
ajbmeb-2427	94	7	the	the	DET
ajbmeb-2427	94	8	regions	region	NOUN
ajbmeb-2427	94	9	largely	largely	ADV
ajbmeb-2427	94	10	depends	depend	VERB
ajbmeb-2427	94	11	on	on	ADP
ajbmeb-2427	94	12	the	the	DET
ajbmeb-2427	94	13	development	development	NOUN
ajbmeb-2427	94	14	of	of	ADP
ajbmeb-2427	94	15	the	the	DET
ajbmeb-2427	94	16	infrastructure	infrastructure	NOUN
ajbmeb-2427	94	17	.	.	PUNCT
ajbmeb-2427	95	1	lack	lack	NOUN
ajbmeb-2427	95	2	of	of	ADP
ajbmeb-2427	95	3	infrastructure	infrastructure	NOUN
ajbmeb-2427	95	4	such	such	ADJ
ajbmeb-2427	95	5	as	as	ADP
ajbmeb-2427	95	6	roads	road	NOUN
ajbmeb-2427	95	7	,	,	PUNCT
ajbmeb-2427	95	8	electricity	electricity	NOUN
ajbmeb-2427	95	9	,	,	PUNCT
ajbmeb-2427	95	10	water	water	NOUN
ajbmeb-2427	95	11	,	,	PUNCT
ajbmeb-2427	95	12	and	and	CCONJ
ajbmeb-2427	95	13	telecommunications	telecommunication	NOUN
ajbmeb-2427	95	14	in	in	ADP
ajbmeb-2427	95	15	rural	rural	ADJ
ajbmeb-2427	95	16	areas	area	NOUN
ajbmeb-2427	95	17	hinders	hinder	VERB
ajbmeb-2427	95	18	proper	proper	ADJ
ajbmeb-2427	95	19	utilization	utilization	NOUN
ajbmeb-2427	95	20	of	of	ADP
ajbmeb-2427	95	21	loans	loan	NOUN
ajbmeb-2427	95	22	.	.	PUNCT
ajbmeb-2427	96	1	therefore	therefore	ADV
ajbmeb-2427	96	2	,	,	PUNCT
ajbmeb-2427	96	3	infrastructure	infrastructure	NOUN
ajbmeb-2427	96	4	development	development	NOUN
ajbmeb-2427	96	5	is	be	AUX
ajbmeb-2427	96	6	an	an	DET
ajbmeb-2427	96	7	important	important	ADJ
ajbmeb-2427	96	8	factor	factor	NOUN
ajbmeb-2427	96	9	in	in	ADP
ajbmeb-2427	96	10	increasing	increase	VERB
ajbmeb-2427	96	11	regional	regional	ADJ
ajbmeb-2427	96	12	lending	lending	NOUN
ajbmeb-2427	96	13	efficiency	efficiency	NOUN
ajbmeb-2427	96	14	.	.	PUNCT
ajbmeb-2427	97	1	american	american	ADJ
ajbmeb-2427	97	2	journal	journal	PROPN
ajbmeb-2427	97	3	of	of	ADP
ajbmeb-2427	97	4	business	business	NOUN
ajbmeb-2427	97	5	management	management	NOUN
ajbmeb-2427	97	6	,	,	PUNCT
ajbmeb-2427	97	7	economics	economic	NOUN
ajbmeb-2427	97	8	and	and	CCONJ
ajbmeb-2427	97	9	banking	banking	NOUN
ajbmeb-2427	97	10	volume	volume	NOUN
ajbmeb-2427	97	11	29	29	NUM
ajbmeb-2427	97	12	october	october	PROPN
ajbmeb-2427	97	13	2024	2024	NUM
ajbmeb-2427	97	14	p	p	NOUN
ajbmeb-2427	97	15	a	a	DET
ajbmeb-2427	97	16	g	g	NOUN
ajbmeb-2427	97	17	e	e	NOUN
ajbmeb-2427	97	18	|	|	ADV
ajbmeb-2427	97	19	69	69	NUM
ajbmeb-2427	97	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2427	97	21	in	in	ADP
ajbmeb-2427	97	22	conclusion	conclusion	NOUN
ajbmeb-2427	97	23	,	,	PUNCT
ajbmeb-2427	97	24	infrastructure	infrastructure	NOUN
ajbmeb-2427	97	25	improvement	improvement	NOUN
ajbmeb-2427	97	26	is	be	AUX
ajbmeb-2427	97	27	the	the	DET
ajbmeb-2427	97	28	main	main	ADJ
ajbmeb-2427	97	29	factor	factor	NOUN
ajbmeb-2427	97	30	for	for	ADP
ajbmeb-2427	97	31	increasing	increase	VERB
ajbmeb-2427	97	32	the	the	DET
ajbmeb-2427	97	33	effectiveness	effectiveness	NOUN
ajbmeb-2427	97	34	of	of	ADP
ajbmeb-2427	97	35	regional	regional	ADJ
ajbmeb-2427	97	36	development	development	NOUN
ajbmeb-2427	97	37	loans	loan	NOUN
ajbmeb-2427	97	38	.	.	PUNCT
ajbmeb-2427	98	1	investments	investment	NOUN
ajbmeb-2427	98	2	directed	direct	VERB
ajbmeb-2427	98	3	to	to	ADP
ajbmeb-2427	98	4	infrastructure	infrastructure	NOUN
ajbmeb-2427	98	5	by	by	ADP
ajbmeb-2427	98	6	the	the	DET
ajbmeb-2427	98	7	state	state	NOUN
ajbmeb-2427	98	8	and	and	CCONJ
ajbmeb-2427	98	9	infrastructure	infrastructure	NOUN
ajbmeb-2427	98	10	projects	project	NOUN
ajbmeb-2427	98	11	implemented	implement	VERB
ajbmeb-2427	98	12	in	in	ADP
ajbmeb-2427	98	13	cooperation	cooperation	NOUN
ajbmeb-2427	98	14	with	with	ADP
ajbmeb-2427	98	15	banks	bank	NOUN
ajbmeb-2427	98	16	increase	increase	VERB
ajbmeb-2427	98	17	economic	economic	ADJ
ajbmeb-2427	98	18	activity	activity	NOUN
ajbmeb-2427	98	19	in	in	ADP
ajbmeb-2427	98	20	the	the	DET
ajbmeb-2427	98	21	regions	region	NOUN
ajbmeb-2427	98	22	and	and	CCONJ
ajbmeb-2427	98	23	ensure	ensure	VERB
ajbmeb-2427	98	24	the	the	DET
ajbmeb-2427	98	25	return	return	NOUN
ajbmeb-2427	98	26	and	and	CCONJ
ajbmeb-2427	98	27	efficient	efficient	ADJ
ajbmeb-2427	98	28	use	use	NOUN
ajbmeb-2427	98	29	of	of	ADP
ajbmeb-2427	98	30	bank	bank	NOUN
ajbmeb-2427	98	31	loans	loan	NOUN
ajbmeb-2427	98	32	.	.	PUNCT
ajbmeb-2427	99	1	references	reference	NOUN
ajbmeb-2427	99	2	:	:	PUNCT
ajbmeb-2427	99	3	1	1	X
ajbmeb-2427	99	4	.	.	X
ajbmeb-2427	99	5	central	central	ADJ
ajbmeb-2427	99	6	bank	bank	PROPN
ajbmeb-2427	99	7	of	of	ADP
ajbmeb-2427	99	8	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	99	9	.	.	PUNCT
ajbmeb-2427	100	1	(	(	PUNCT
ajbmeb-2427	100	2	2023	2023	NUM
ajbmeb-2427	100	3	)	)	PUNCT
ajbmeb-2427	100	4	.	.	PUNCT
ajbmeb-2427	101	1	"	"	PUNCT
ajbmeb-2427	101	2	annual	annual	ADJ
ajbmeb-2427	101	3	report	report	NOUN
ajbmeb-2427	101	4	on	on	ADP
ajbmeb-2427	101	5	monetary	monetary	ADJ
ajbmeb-2427	101	6	policy	policy	NOUN
ajbmeb-2427	101	7	and	and	CCONJ
ajbmeb-2427	101	8	banking	banking	NOUN
ajbmeb-2427	101	9	system	system	NOUN
ajbmeb-2427	101	10	development	development	NOUN
ajbmeb-2427	101	11	"	"	PUNCT
ajbmeb-2427	101	12	available	available	ADJ
ajbmeb-2427	101	13	at	at	ADP
ajbmeb-2427	101	14	:	:	PUNCT
ajbmeb-2427	101	15	www.cbu.uz	www.cbu.uz	PROPN
ajbmeb-2427	101	16	2	2	NUM
ajbmeb-2427	101	17	.	.	NOUN
ajbmeb-2427	101	18	decree	decree	NOUN
ajbmeb-2427	101	19	of	of	ADP
ajbmeb-2427	101	20	the	the	DET
ajbmeb-2427	101	21	president	president	NOUN
ajbmeb-2427	101	22	of	of	ADP
ajbmeb-2427	101	23	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	101	24	no	no	PROPN
ajbmeb-2427	101	25	.	.	PROPN
ajbmeb-2427	101	26	5789	5789	NUM
ajbmeb-2427	101	27	.	.	PUNCT
ajbmeb-2427	102	1	(	(	PUNCT
ajbmeb-2427	102	2	2019	2019	NUM
ajbmeb-2427	102	3	)	)	PUNCT
ajbmeb-2427	102	4	.	.	PUNCT
ajbmeb-2427	103	1	"	"	PUNCT
ajbmeb-2427	103	2	on	on	ADP
ajbmeb-2427	103	3	measures	measure	NOUN
ajbmeb-2427	103	4	to	to	PART
ajbmeb-2427	103	5	further	far	ADV
ajbmeb-2427	103	6	enhance	enhance	VERB
ajbmeb-2427	103	7	regional	regional	ADJ
ajbmeb-2427	103	8	lending	lending	NOUN
ajbmeb-2427	103	9	and	and	CCONJ
ajbmeb-2427	103	10	support	support	NOUN
ajbmeb-2427	103	11	for	for	ADP
ajbmeb-2427	103	12	small	small	ADJ
ajbmeb-2427	103	13	and	and	CCONJ
ajbmeb-2427	103	14	medium	medium	ADJ
ajbmeb-2427	103	15	enterprises	enterprise	NOUN
ajbmeb-2427	103	16	"	"	PUNCT
ajbmeb-2427	103	17	available	available	ADJ
ajbmeb-2427	103	18	at	at	ADP
ajbmeb-2427	103	19	:	:	PUNCT
ajbmeb-2427	103	20	www.lex.uz	www.lex.uz	PROPN
ajbmeb-2427	103	21	3	3	X
ajbmeb-2427	103	22	.	.	PUNCT
ajbmeb-2427	103	23	karimov	karimov	PROPN
ajbmeb-2427	103	24	,	,	PUNCT
ajbmeb-2427	103	25	r.	r.	PROPN
ajbmeb-2427	103	26	(	(	PUNCT
ajbmeb-2427	103	27	2021	2021	NUM
ajbmeb-2427	103	28	)	)	PUNCT
ajbmeb-2427	103	29	.	.	PUNCT
ajbmeb-2427	104	1	"	"	PUNCT
ajbmeb-2427	104	2	challenges	challenge	NOUN
ajbmeb-2427	104	3	in	in	ADP
ajbmeb-2427	104	4	rural	rural	ADJ
ajbmeb-2427	104	5	financing	financing	NOUN
ajbmeb-2427	104	6	in	in	ADP
ajbmeb-2427	104	7	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	104	8	:	:	PUNCT
ajbmeb-2427	104	9	an	an	DET
ajbmeb-2427	104	10	analytical	analytical	ADJ
ajbmeb-2427	104	11	overview	overview	NOUN
ajbmeb-2427	104	12	"	"	PUNCT
ajbmeb-2427	104	13	journal	journal	NOUN
ajbmeb-2427	104	14	of	of	ADP
ajbmeb-2427	104	15	central	central	ADJ
ajbmeb-2427	104	16	asian	asian	ADJ
ajbmeb-2427	104	17	economics	economic	NOUN
ajbmeb-2427	104	18	,	,	PUNCT
ajbmeb-2427	104	19	45(2	45(2	NOUN
ajbmeb-2427	104	20	)	)	PUNCT
ajbmeb-2427	104	21	.	.	PUNCT
ajbmeb-2427	105	1	available	available	ADJ
ajbmeb-2427	105	2	at	at	ADP
ajbmeb-2427	105	3	:	:	PUNCT
ajbmeb-2427	105	4	www.caeconjournal.com	www.caeconjournal.com	X
ajbmeb-2427	105	5	4	4	NUM
ajbmeb-2427	105	6	.	.	PUNCT
ajbmeb-2427	106	1	rahmonov	rahmonov	PROPN
ajbmeb-2427	106	2	,	,	PUNCT
ajbmeb-2427	106	3	a.	a.	NOUN
ajbmeb-2427	106	4	&	&	CCONJ
ajbmeb-2427	106	5	ibragimov	ibragimov	PROPN
ajbmeb-2427	106	6	,	,	PUNCT
ajbmeb-2427	106	7	s.	s.	PROPN
ajbmeb-2427	106	8	(	(	PUNCT
ajbmeb-2427	106	9	2019	2019	NUM
ajbmeb-2427	106	10	)	)	PUNCT
ajbmeb-2427	106	11	.	.	PUNCT
ajbmeb-2427	107	1	"	"	PUNCT
ajbmeb-2427	107	2	infrastructure	infrastructure	NOUN
ajbmeb-2427	107	3	development	development	NOUN
ajbmeb-2427	107	4	and	and	CCONJ
ajbmeb-2427	107	5	its	its	PRON
ajbmeb-2427	107	6	impact	impact	NOUN
ajbmeb-2427	107	7	on	on	ADP
ajbmeb-2427	107	8	regional	regional	ADJ
ajbmeb-2427	107	9	lending	lending	NOUN
ajbmeb-2427	107	10	in	in	ADP
ajbmeb-2427	107	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	107	12	"	"	PUNCT
ajbmeb-2427	107	13	economic	economic	ADJ
ajbmeb-2427	107	14	research	research	NOUN
ajbmeb-2427	107	15	journal	journal	NOUN
ajbmeb-2427	107	16	.	.	PUNCT
ajbmeb-2427	108	1	available	available	ADJ
ajbmeb-2427	108	2	at	at	ADP
ajbmeb-2427	108	3	:	:	PUNCT
ajbmeb-2427	108	4	www.erj.uz	www.erj.uz	ADJ
ajbmeb-2427	108	5	5	5	NUM
ajbmeb-2427	108	6	.	.	PUNCT
ajbmeb-2427	108	7	shodmonov	shodmonov	PROPN
ajbmeb-2427	108	8	,	,	PUNCT
ajbmeb-2427	108	9	b.	b.	PROPN
ajbmeb-2427	108	10	,	,	PUNCT
ajbmeb-2427	108	11	et	et	PROPN
ajbmeb-2427	108	12	al	al	PROPN
ajbmeb-2427	108	13	.	.	PROPN
ajbmeb-2427	109	1	(	(	PUNCT
ajbmeb-2427	109	2	2020	2020	NUM
ajbmeb-2427	109	3	)	)	PUNCT
ajbmeb-2427	109	4	.	.	PUNCT
ajbmeb-2427	110	1	"	"	PUNCT
ajbmeb-2427	110	2	expanding	expand	VERB
ajbmeb-2427	110	3	access	access	NOUN
ajbmeb-2427	110	4	to	to	ADP
ajbmeb-2427	110	5	credit	credit	NOUN
ajbmeb-2427	110	6	for	for	ADP
ajbmeb-2427	110	7	smes	sme	NOUN
ajbmeb-2427	110	8	in	in	ADP
ajbmeb-2427	110	9	rural	rural	ADJ
ajbmeb-2427	110	10	uzbekistan	uzbekistan	NOUN
ajbmeb-2427	110	11	:	:	PUNCT
ajbmeb-2427	110	12	government	government	NOUN
ajbmeb-2427	110	13	initiatives	initiative	NOUN
ajbmeb-2427	110	14	and	and	CCONJ
ajbmeb-2427	110	15	results	result	VERB
ajbmeb-2427	110	16	"	"	PUNCT
ajbmeb-2427	110	17	economic	economic	ADJ
ajbmeb-2427	110	18	policy	policy	NOUN
ajbmeb-2427	110	19	review	review	NOUN
ajbmeb-2427	110	20	,	,	PUNCT
ajbmeb-2427	110	21	38(4	38(4	NUM
ajbmeb-2427	110	22	)	)	PUNCT
ajbmeb-2427	110	23	.	.	PUNCT
ajbmeb-2427	111	1	available	available	ADJ
ajbmeb-2427	111	2	at	at	ADP
ajbmeb-2427	111	3	:	:	PUNCT
ajbmeb-2427	111	4	www.epr.uz	www.epr.uz	PROPN
ajbmeb-2427	111	5	6	6	NUM
ajbmeb-2427	111	6	.	.	NUM
ajbmeb-2427	111	7	sodikova	sodikova	PROPN
ajbmeb-2427	111	8	,	,	PUNCT
ajbmeb-2427	111	9	g.	g.	PROPN
ajbmeb-2427	111	10	(	(	PUNCT
ajbmeb-2427	111	11	2020	2020	NUM
ajbmeb-2427	111	12	)	)	PUNCT
ajbmeb-2427	111	13	.	.	PUNCT
ajbmeb-2427	112	1	"	"	PUNCT
ajbmeb-2427	112	2	commercial	commercial	ADJ
ajbmeb-2427	112	3	banking	banking	NOUN
ajbmeb-2427	112	4	and	and	CCONJ
ajbmeb-2427	112	5	regional	regional	ADJ
ajbmeb-2427	112	6	development	development	NOUN
ajbmeb-2427	112	7	in	in	ADP
ajbmeb-2427	112	8	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	112	9	.	.	PUNCT
ajbmeb-2427	112	10	"	"	PUNCT
ajbmeb-2427	112	11	central	central	ADJ
ajbmeb-2427	112	12	asia	asia	PROPN
ajbmeb-2427	112	13	finance	finance	PROPN
ajbmeb-2427	112	14	journal	journal	NOUN
ajbmeb-2427	112	15	.	.	PUNCT
ajbmeb-2427	113	1	7	7	X
ajbmeb-2427	113	2	.	.	X
ajbmeb-2427	113	3	karimov	karimov	PROPN
ajbmeb-2427	113	4	,	,	PUNCT
ajbmeb-2427	113	5	b.	b.	PROPN
ajbmeb-2427	113	6	(	(	PUNCT
ajbmeb-2427	113	7	2021	2021	NUM
ajbmeb-2427	113	8	)	)	PUNCT
ajbmeb-2427	113	9	.	.	PUNCT
ajbmeb-2427	114	1	"	"	PUNCT
ajbmeb-2427	114	2	government	government	NOUN
ajbmeb-2427	114	3	policies	policy	NOUN
ajbmeb-2427	114	4	on	on	ADP
ajbmeb-2427	114	5	regional	regional	ADJ
ajbmeb-2427	114	6	lending	lending	NOUN
ajbmeb-2427	114	7	:	:	PUNCT
ajbmeb-2427	114	8	an	an	DET
ajbmeb-2427	114	9	assessment	assessment	NOUN
ajbmeb-2427	114	10	.	.	PUNCT
ajbmeb-2427	114	11	"	"	PUNCT
ajbmeb-2427	115	1	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	115	2	financial	financial	PROPN
ajbmeb-2427	115	3	review	review	PROPN
ajbmeb-2427	115	4	.	.	PUNCT
ajbmeb-2427	116	1	8	8	X
ajbmeb-2427	116	2	.	.	X
ajbmeb-2427	116	3	nasriddinov	nasriddinov	NOUN
ajbmeb-2427	116	4	,	,	PUNCT
ajbmeb-2427	116	5	t.	t.	PROPN
ajbmeb-2427	116	6	(	(	PUNCT
ajbmeb-2427	116	7	2020	2020	NUM
ajbmeb-2427	116	8	)	)	PUNCT
ajbmeb-2427	116	9	.	.	PUNCT
ajbmeb-2427	117	1	"	"	PUNCT
ajbmeb-2427	117	2	challenges	challenge	NOUN
ajbmeb-2427	117	3	in	in	ADP
ajbmeb-2427	117	4	regional	regional	ADJ
ajbmeb-2427	117	5	lending	lending	NOUN
ajbmeb-2427	117	6	in	in	ADP
ajbmeb-2427	117	7	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	117	8	.	.	PUNCT
ajbmeb-2427	117	9	"	"	PUNCT
ajbmeb-2427	118	1	central	central	ADJ
ajbmeb-2427	118	2	asian	asian	ADJ
ajbmeb-2427	118	3	economic	economic	ADJ
ajbmeb-2427	118	4	review	review	NOUN
ajbmeb-2427	118	5	.	.	PUNCT
ajbmeb-2427	119	1	9	9	X
ajbmeb-2427	119	2	.	.	X
ajbmeb-2427	119	3	world	world	PROPN
ajbmeb-2427	119	4	bank	bank	PROPN
ajbmeb-2427	119	5	group	group	NOUN
ajbmeb-2427	119	6	.	.	PUNCT
ajbmeb-2427	120	1	(	(	PUNCT
ajbmeb-2427	120	2	2022	2022	NUM
ajbmeb-2427	120	3	)	)	PUNCT
ajbmeb-2427	120	4	.	.	PUNCT
ajbmeb-2427	121	1	"	"	PUNCT
ajbmeb-2427	121	2	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	121	3	economic	economic	ADJ
ajbmeb-2427	121	4	update	update	NOUN
ajbmeb-2427	121	5	:	:	PUNCT
ajbmeb-2427	121	6	expanding	expand	VERB
ajbmeb-2427	121	7	financial	financial	ADJ
ajbmeb-2427	121	8	inclusion	inclusion	NOUN
ajbmeb-2427	121	9	"	"	PUNCT
ajbmeb-2427	121	10	available	available	ADJ
ajbmeb-2427	121	11	at	at	ADP
ajbmeb-2427	121	12	:	:	PUNCT
ajbmeb-2427	121	13	www.worldbank.org	www.worldbank.org	PROPN
ajbmeb-2427	121	14	10	10	NUM
ajbmeb-2427	121	15	.	.	PUNCT
ajbmeb-2427	122	1	transparency	transparency	NOUN
ajbmeb-2427	122	2	international	international	NOUN
ajbmeb-2427	122	3	.	.	PUNCT
ajbmeb-2427	123	1	(	(	PUNCT
ajbmeb-2427	123	2	2022	2022	NUM
ajbmeb-2427	123	3	)	)	PUNCT
ajbmeb-2427	123	4	.	.	PUNCT
ajbmeb-2427	124	1	"	"	PUNCT
ajbmeb-2427	124	2	corruption	corruption	NOUN
ajbmeb-2427	124	3	perception	perception	NOUN
ajbmeb-2427	124	4	index	index	NOUN
ajbmeb-2427	124	5	2022	2022	NUM
ajbmeb-2427	124	6	:	:	PUNCT
ajbmeb-2427	124	7	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	124	8	.	.	PUNCT
ajbmeb-2427	124	9	"	"	PUNCT
ajbmeb-2427	125	1	available	available	ADJ
ajbmeb-2427	125	2	at	at	ADP
ajbmeb-2427	125	3	:	:	PUNCT
ajbmeb-2427	125	4	www.transparency.org	www.transparency.org	PROPN
ajbmeb-2427	125	5	11	11	NUM
ajbmeb-2427	125	6	.	.	PUNCT
ajbmeb-2427	126	1	nasriddinov	nasriddinov	NOUN
ajbmeb-2427	126	2	,	,	PUNCT
ajbmeb-2427	126	3	m.	m.	NOUN
ajbmeb-2427	126	4	(	(	PUNCT
ajbmeb-2427	126	5	2020	2020	NUM
ajbmeb-2427	126	6	)	)	PUNCT
ajbmeb-2427	126	7	.	.	PUNCT
ajbmeb-2427	127	1	"	"	PUNCT
ajbmeb-2427	127	2	financial	financial	ADJ
ajbmeb-2427	127	3	literacy	literacy	NOUN
ajbmeb-2427	127	4	and	and	CCONJ
ajbmeb-2427	127	5	its	its	PRON
ajbmeb-2427	127	6	role	role	NOUN
ajbmeb-2427	127	7	in	in	ADP
ajbmeb-2427	127	8	expanding	expand	VERB
ajbmeb-2427	127	9	access	access	NOUN
ajbmeb-2427	127	10	to	to	ADP
ajbmeb-2427	127	11	credit	credit	NOUN
ajbmeb-2427	127	12	in	in	ADP
ajbmeb-2427	127	13	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	127	14	"	"	PUNCT
ajbmeb-2427	127	15	uzbek	uzbek	PROPN
ajbmeb-2427	127	16	banking	banking	PROPN
ajbmeb-2427	127	17	association	association	PROPN
ajbmeb-2427	127	18	bulletin	bulletin	NOUN
ajbmeb-2427	127	19	.	.	PUNCT
ajbmeb-2427	128	1	available	available	ADJ
ajbmeb-2427	128	2	at	at	ADP
ajbmeb-2427	128	3	:	:	PUNCT
ajbmeb-2427	128	4	www.uba.uz	www.uba.uz	X
ajbmeb-2427	128	5	12	12	NUM
ajbmeb-2427	128	6	.	.	PUNCT
ajbmeb-2427	129	1	world	world	PROPN
ajbmeb-2427	129	2	bank	bank	PROPN
ajbmeb-2427	129	3	information	information	NOUN
ajbmeb-2427	129	4	.	.	PUNCT
ajbmeb-2427	130	1	(	(	PUNCT
ajbmeb-2427	130	2	2023	2023	NUM
ajbmeb-2427	130	3	)	)	PUNCT
ajbmeb-2427	130	4	.	.	PUNCT
ajbmeb-2427	131	1	"	"	PUNCT
ajbmeb-2427	131	2	financial	financial	ADJ
ajbmeb-2427	131	3	indicators	indicator	NOUN
ajbmeb-2427	131	4	and	and	CCONJ
ajbmeb-2427	131	5	economic	economic	ADJ
ajbmeb-2427	131	6	analysis	analysis	NOUN
ajbmeb-2427	131	7	"	"	PUNCT
ajbmeb-2427	131	8	available	available	ADJ
ajbmeb-2427	131	9	at	at	ADP
ajbmeb-2427	131	10	:	:	PUNCT
ajbmeb-2427	131	11	www.worldbank.org	www.worldbank.org	PROPN
ajbmeb-2427	131	12	13	13	NUM
ajbmeb-2427	131	13	.	.	PUNCT
ajbmeb-2427	132	1	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	132	2	banking	banking	NOUN
ajbmeb-2427	132	3	sector	sector	NOUN
ajbmeb-2427	132	4	overview	overview	NOUN
ajbmeb-2427	132	5	.	.	PUNCT
ajbmeb-2427	133	1	(	(	PUNCT
ajbmeb-2427	133	2	2023	2023	NUM
ajbmeb-2427	133	3	)	)	PUNCT
ajbmeb-2427	133	4	.	.	PUNCT
ajbmeb-2427	134	1	"	"	PUNCT
ajbmeb-2427	134	2	the	the	DET
ajbmeb-2427	134	3	state	state	NOUN
ajbmeb-2427	134	4	of	of	ADP
ajbmeb-2427	134	5	regional	regional	ADJ
ajbmeb-2427	134	6	lending	lending	NOUN
ajbmeb-2427	134	7	in	in	ADP
ajbmeb-2427	134	8	uzbekistan	uzbekistan	PROPN
ajbmeb-2427	134	9	"	"	PUNCT
ajbmeb-2427	134	10	available	available	ADJ
ajbmeb-2427	134	11	at	at	ADP
ajbmeb-2427	134	12	:	:	PUNCT
ajbmeb-2427	134	13	www.bankingoverview.uz	www.bankingoverview.uz	ADJ
ajbmeb-2427	134	14	https://www.cbu.uz/	https://www.cbu.uz/	PROPN
ajbmeb-2427	134	15	https://www.lex.uz/	https://www.lex.uz/	ADJ
ajbmeb-2427	134	16	https://www.caeconjournal.com/	https://www.caeconjournal.com/	NOUN
ajbmeb-2427	134	17	https://www.erj.uz/	https://www.erj.uz/	PROPN
ajbmeb-2427	134	18	https://www.epr.uz/	https://www.epr.uz/	PROPN
ajbmeb-2427	134	19	https://www.worldbank.org/	https://www.worldbank.org/	NOUN
ajbmeb-2427	134	20	https://www.transparency.org/	https://www.transparency.org/	X
ajbmeb-2427	134	21	https://www.uba.uz/	https://www.uba.uz/	X
ajbmeb-2427	134	22	https://www.worldbank.org/	https://www.worldbank.org/	X
ajbmeb-2427	134	23	https://www.bankingoverview.uz/	https://www.bankingoverview.uz/	ADP