id	sid	tid	token	lemma	pos
ajbmeb-2964	1	1	american	american	PROPN
ajbmeb-2964	1	2	journal	journal	PROPN
ajbmeb-2964	1	3	of	of	ADP
ajbmeb-2964	1	4	business	business	NOUN
ajbmeb-2964	1	5	management	management	NOUN
ajbmeb-2964	1	6	,	,	PUNCT
ajbmeb-2964	1	7	economics	economic	NOUN
ajbmeb-2964	1	8	and	and	CCONJ
ajbmeb-2964	1	9	banking	banking	NOUN
ajbmeb-2964	1	10	issn	issn	PROPN
ajbmeb-2964	1	11	(	(	PUNCT
ajbmeb-2964	1	12	e	e	NOUN
ajbmeb-2964	1	13	):	):	PUNCT
ajbmeb-2964	1	14	2832	2832	NUM
ajbmeb-2964	1	15	-	-	SYM
ajbmeb-2964	1	16	8078	8078	NUM
ajbmeb-2964	1	17	volume	volume	NOUN
ajbmeb-2964	1	18	36	36	NUM
ajbmeb-2964	1	19	,	,	PUNCT
ajbmeb-2964	1	20	may	may	AUX
ajbmeb-2964	1	21	2025	2025	NUM
ajbmeb-2964	1	22	p	p	NOUN
ajbmeb-2964	1	23	a	a	DET
ajbmeb-2964	1	24	g	g	NOUN
ajbmeb-2964	1	25	e	e	NOUN
ajbmeb-2964	1	26	|	|	NOUN
ajbmeb-2964	1	27	103	103	NUM
ajbmeb-2964	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2964	1	29	theoretical	theoretical	ADJ
ajbmeb-2964	1	30	views	view	NOUN
ajbmeb-2964	1	31	on	on	ADP
ajbmeb-2964	1	32	microcredit	microcredit	NOUN
ajbmeb-2964	1	33	and	and	CCONJ
ajbmeb-2964	1	34	trends	trend	NOUN
ajbmeb-2964	1	35	in	in	ADP
ajbmeb-2964	1	36	their	their	PRON
ajbmeb-2964	1	37	development	development	NOUN
ajbmeb-2964	1	38	dusbayev	dusbayev	NOUN
ajbmeb-2964	1	39	utkir	utkir	VERB
ajbmeb-2964	1	40	khidirovich	khidirovich	PROPN
ajbmeb-2964	1	41	associate	associate	NOUN
ajbmeb-2964	1	42	professor	professor	NOUN
ajbmeb-2964	1	43	of	of	ADP
ajbmeb-2964	1	44	tashkent	tashkent	PROPN
ajbmeb-2964	1	45	state	state	PROPN
ajbmeb-2964	1	46	university	university	PROPN
ajbmeb-2964	1	47	of	of	ADP
ajbmeb-2964	1	48	economics	economic	NOUN
ajbmeb-2964	1	49	,	,	PUNCT
ajbmeb-2964	1	50	phd	phd	NOUN
ajbmeb-2964	1	51	a	a	DET
ajbmeb-2964	1	52	b	b	PROPN
ajbmeb-2964	1	53	s	s	ADP
ajbmeb-2964	1	54	t	t	PROPN
ajbmeb-2964	1	55	r	r	NOUN
ajbmeb-2964	1	56	a	a	DET
ajbmeb-2964	1	57	c	c	NOUN
ajbmeb-2964	1	58	t	t	NOUN
ajbmeb-2964	1	59	k	k	X
ajbmeb-2964	1	60	e	e	PROPN
ajbmeb-2964	1	61	y	y	PROPN
ajbmeb-2964	1	62	w	w	NOUN
ajbmeb-2964	2	1	o	o	NOUN
ajbmeb-2964	2	2	r	r	NOUN
ajbmeb-2964	2	3	d	d	X
ajbmeb-2964	2	4	s	s	AUX
ajbmeb-2964	2	5	the	the	DET
ajbmeb-2964	2	6	article	article	NOUN
ajbmeb-2964	2	7	examines	examine	VERB
ajbmeb-2964	2	8	theoretical	theoretical	ADJ
ajbmeb-2964	2	9	views	view	NOUN
ajbmeb-2964	2	10	on	on	ADP
ajbmeb-2964	2	11	microcrediting	microcredite	VERB
ajbmeb-2964	2	12	and	and	CCONJ
ajbmeb-2964	2	13	their	their	PRON
ajbmeb-2964	2	14	development	development	NOUN
ajbmeb-2964	2	15	trends	trend	NOUN
ajbmeb-2964	2	16	,	,	PUNCT
ajbmeb-2964	2	17	practice	practice	NOUN
ajbmeb-2964	2	18	and	and	CCONJ
ajbmeb-2964	2	19	specific	specific	ADJ
ajbmeb-2964	2	20	aspects	aspect	NOUN
ajbmeb-2964	2	21	of	of	ADP
ajbmeb-2964	2	22	microcrediting	microcredite	VERB
ajbmeb-2964	2	23	.	.	PUNCT
ajbmeb-2964	3	1	based	base	VERB
ajbmeb-2964	3	2	on	on	ADP
ajbmeb-2964	3	3	the	the	DET
ajbmeb-2964	3	4	results	result	NOUN
ajbmeb-2964	3	5	of	of	ADP
ajbmeb-2964	3	6	the	the	DET
ajbmeb-2964	3	7	study	study	NOUN
ajbmeb-2964	3	8	,	,	PUNCT
ajbmeb-2964	3	9	the	the	DET
ajbmeb-2964	3	10	positive	positive	ADJ
ajbmeb-2964	3	11	and	and	CCONJ
ajbmeb-2964	3	12	negative	negative	ADJ
ajbmeb-2964	3	13	aspects	aspect	NOUN
ajbmeb-2964	3	14	of	of	ADP
ajbmeb-2964	3	15	microcrediting	microcredite	VERB
ajbmeb-2964	3	16	were	be	AUX
ajbmeb-2964	3	17	identified	identify	VERB
ajbmeb-2964	3	18	,	,	PUNCT
ajbmeb-2964	3	19	and	and	CCONJ
ajbmeb-2964	3	20	appropriate	appropriate	ADJ
ajbmeb-2964	3	21	developments	development	NOUN
ajbmeb-2964	3	22	were	be	AUX
ajbmeb-2964	3	23	formed	form	VERB
ajbmeb-2964	3	24	for	for	ADP
ajbmeb-2964	3	25	its	its	PRON
ajbmeb-2964	3	26	application	application	NOUN
ajbmeb-2964	3	27	in	in	ADP
ajbmeb-2964	3	28	credit	credit	NOUN
ajbmeb-2964	3	29	organizations	organization	NOUN
ajbmeb-2964	3	30	in	in	ADP
ajbmeb-2964	3	31	uzbekistan	uzbekistan	PROPN
ajbmeb-2964	3	32	.	.	PUNCT
ajbmeb-2964	4	1	also	also	ADV
ajbmeb-2964	4	2	,	,	PUNCT
ajbmeb-2964	4	3	the	the	DET
ajbmeb-2964	4	4	article	article	NOUN
ajbmeb-2964	4	5	analyzes	analyze	VERB
ajbmeb-2964	4	6	the	the	DET
ajbmeb-2964	4	7	researches	research	NOUN
ajbmeb-2964	4	8	,	,	PUNCT
ajbmeb-2964	4	9	scientific	scientific	ADJ
ajbmeb-2964	4	10	works	work	NOUN
ajbmeb-2964	4	11	and	and	CCONJ
ajbmeb-2964	4	12	economic	economic	ADJ
ajbmeb-2964	4	13	literature	literature	NOUN
ajbmeb-2964	4	14	of	of	ADP
ajbmeb-2964	4	15	foreign	foreign	ADJ
ajbmeb-2964	4	16	and	and	CCONJ
ajbmeb-2964	4	17	local	local	ADJ
ajbmeb-2964	4	18	scientists	scientist	NOUN
ajbmeb-2964	4	19	on	on	ADP
ajbmeb-2964	4	20	the	the	DET
ajbmeb-2964	4	21	topic	topic	NOUN
ajbmeb-2964	4	22	.	.	PUNCT
ajbmeb-2964	5	1	introduction	introduction	NOUN
ajbmeb-2964	5	2	global	global	ADJ
ajbmeb-2964	5	3	economic	economic	ADJ
ajbmeb-2964	5	4	changes	change	NOUN
ajbmeb-2964	5	5	occurring	occur	VERB
ajbmeb-2964	5	6	in	in	ADP
ajbmeb-2964	5	7	the	the	DET
ajbmeb-2964	5	8	world	world	NOUN
ajbmeb-2964	5	9	,	,	PUNCT
ajbmeb-2964	5	10	sharp	sharp	ADJ
ajbmeb-2964	5	11	fluctuations	fluctuation	NOUN
ajbmeb-2964	5	12	in	in	ADP
ajbmeb-2964	5	13	international	international	ADJ
ajbmeb-2964	5	14	financial	financial	ADJ
ajbmeb-2964	5	15	and	and	CCONJ
ajbmeb-2964	5	16	commodity	commodity	NOUN
ajbmeb-2964	5	17	markets	market	NOUN
ajbmeb-2964	5	18	,	,	PUNCT
ajbmeb-2964	5	19	inflationary	inflationary	ADJ
ajbmeb-2964	5	20	expectations	expectation	NOUN
ajbmeb-2964	5	21	and	and	CCONJ
ajbmeb-2964	5	22	price	price	NOUN
ajbmeb-2964	5	23	instability	instability	NOUN
ajbmeb-2964	5	24	,	,	PUNCT
ajbmeb-2964	5	25	as	as	ADP
ajbmeb-2964	5	26	a	a	DET
ajbmeb-2964	5	27	result	result	NOUN
ajbmeb-2964	5	28	of	of	ADP
ajbmeb-2964	5	29	the	the	DET
ajbmeb-2964	5	30	growth	growth	NOUN
ajbmeb-2964	5	31	of	of	ADP
ajbmeb-2964	5	32	income	income	NOUN
ajbmeb-2964	5	33	of	of	ADP
ajbmeb-2964	5	34	low	low	ADJ
ajbmeb-2964	5	35	-	-	PUNCT
ajbmeb-2964	5	36	income	income	NOUN
ajbmeb-2964	5	37	segments	segment	NOUN
ajbmeb-2964	5	38	of	of	ADP
ajbmeb-2964	5	39	the	the	DET
ajbmeb-2964	5	40	population	population	NOUN
ajbmeb-2964	5	41	and	and	CCONJ
ajbmeb-2964	5	42	the	the	DET
ajbmeb-2964	5	43	limitation	limitation	NOUN
ajbmeb-2964	5	44	of	of	ADP
ajbmeb-2964	5	45	access	access	NOUN
ajbmeb-2964	5	46	to	to	ADP
ajbmeb-2964	5	47	financial	financial	ADJ
ajbmeb-2964	5	48	services	service	NOUN
ajbmeb-2964	5	49	,	,	PUNCT
ajbmeb-2964	5	50	create	create	VERB
ajbmeb-2964	5	51	the	the	DET
ajbmeb-2964	5	52	need	need	NOUN
ajbmeb-2964	5	53	to	to	PART
ajbmeb-2964	5	54	increase	increase	VERB
ajbmeb-2964	5	55	the	the	DET
ajbmeb-2964	5	56	popularity	popularity	NOUN
ajbmeb-2964	5	57	of	of	ADP
ajbmeb-2964	5	58	microfinance	microfinance	NOUN
ajbmeb-2964	5	59	services	service	NOUN
ajbmeb-2964	5	60	,	,	PUNCT
ajbmeb-2964	5	61	reduce	reduce	VERB
ajbmeb-2964	5	62	the	the	DET
ajbmeb-2964	5	63	cost	cost	NOUN
ajbmeb-2964	5	64	of	of	ADP
ajbmeb-2964	5	65	services	service	NOUN
ajbmeb-2964	5	66	,	,	PUNCT
ajbmeb-2964	5	67	and	and	CCONJ
ajbmeb-2964	5	68	expand	expand	VERB
ajbmeb-2964	5	69	the	the	DET
ajbmeb-2964	5	70	supply	supply	NOUN
ajbmeb-2964	5	71	of	of	ADP
ajbmeb-2964	5	72	inclusive	inclusive	ADJ
ajbmeb-2964	5	73	microfinance	microfinance	NOUN
ajbmeb-2964	5	74	products	product	NOUN
ajbmeb-2964	5	75	.	.	PUNCT
ajbmeb-2964	6	1	according	accord	VERB
ajbmeb-2964	6	2	to	to	ADP
ajbmeb-2964	6	3	the	the	DET
ajbmeb-2964	6	4	world	world	PROPN
ajbmeb-2964	6	5	bank	bank	NOUN
ajbmeb-2964	6	6	,	,	PUNCT
ajbmeb-2964	6	7	“	"	PUNCT
ajbmeb-2964	6	8	although	although	SCONJ
ajbmeb-2964	6	9	global	global	ADJ
ajbmeb-2964	6	10	economic	economic	ADJ
ajbmeb-2964	6	11	growth	growth	NOUN
ajbmeb-2964	6	12	is	be	AUX
ajbmeb-2964	6	13	expected	expect	VERB
ajbmeb-2964	6	14	to	to	PART
ajbmeb-2964	6	15	be	be	AUX
ajbmeb-2964	6	16	2.7	2.7	NUM
ajbmeb-2964	6	17	percent	percent	NOUN
ajbmeb-2964	6	18	in	in	ADP
ajbmeb-2964	6	19	2025	2025	NUM
ajbmeb-2964	6	20	-	-	SYM
ajbmeb-2964	6	21	2026	2026	NUM
ajbmeb-2964	6	22	,	,	PUNCT
ajbmeb-2964	6	23	this	this	DET
ajbmeb-2964	6	24	growth	growth	NOUN
ajbmeb-2964	6	25	rate	rate	NOUN
ajbmeb-2964	6	26	is	be	AUX
ajbmeb-2964	6	27	lower	low	ADJ
ajbmeb-2964	6	28	than	than	ADP
ajbmeb-2964	6	29	the	the	DET
ajbmeb-2964	6	30	pre	pre	ADJ
ajbmeb-2964	6	31	-	-	ADJ
ajbmeb-2964	6	32	pandemic	pandemic	ADJ
ajbmeb-2964	6	33	period	period	NOUN
ajbmeb-2964	6	34	and	and	CCONJ
ajbmeb-2964	6	35	is	be	AUX
ajbmeb-2964	6	36	not	not	PART
ajbmeb-2964	6	37	sufficient	sufficient	ADJ
ajbmeb-2964	6	38	for	for	ADP
ajbmeb-2964	6	39	long	long	ADJ
ajbmeb-2964	6	40	-	-	PUNCT
ajbmeb-2964	6	41	term	term	NOUN
ajbmeb-2964	6	42	sustainable	sustainable	ADJ
ajbmeb-2964	6	43	development	development	NOUN
ajbmeb-2964	6	44	.	.	PUNCT
ajbmeb-2964	7	1	factors	factor	NOUN
ajbmeb-2964	7	2	such	such	ADJ
ajbmeb-2964	7	3	as	as	ADP
ajbmeb-2964	7	4	changes	change	NOUN
ajbmeb-2964	7	5	in	in	ADP
ajbmeb-2964	7	6	trade	trade	NOUN
ajbmeb-2964	7	7	policy	policy	NOUN
ajbmeb-2964	7	8	,	,	PUNCT
ajbmeb-2964	7	9	inflation	inflation	NOUN
ajbmeb-2964	7	10	,	,	PUNCT
ajbmeb-2964	7	11	high	high	ADJ
ajbmeb-2964	7	12	debt	debt	NOUN
ajbmeb-2964	7	13	,	,	PUNCT
ajbmeb-2964	7	14	and	and	CCONJ
ajbmeb-2964	7	15	low	low	ADJ
ajbmeb-2964	7	16	investment	investment	NOUN
ajbmeb-2964	7	17	are	be	AUX
ajbmeb-2964	7	18	limiting	limit	VERB
ajbmeb-2964	7	19	global	global	ADJ
ajbmeb-2964	7	20	economic	economic	ADJ
ajbmeb-2964	7	21	growth	growth	NOUN
ajbmeb-2964	7	22	.	.	PUNCT
ajbmeb-2964	8	1	for	for	ADP
ajbmeb-2964	8	2	developing	develop	VERB
ajbmeb-2964	8	3	countries	country	NOUN
ajbmeb-2964	8	4	,	,	PUNCT
ajbmeb-2964	8	5	this	this	DET
ajbmeb-2964	8	6	growth	growth	NOUN
ajbmeb-2964	8	7	rate	rate	NOUN
ajbmeb-2964	8	8	is	be	AUX
ajbmeb-2964	8	9	insufficient	insufficient	ADJ
ajbmeb-2964	8	10	to	to	PART
ajbmeb-2964	8	11	reduce	reduce	VERB
ajbmeb-2964	8	12	poverty	poverty	NOUN
ajbmeb-2964	8	13	and	and	CCONJ
ajbmeb-2964	8	14	ensure	ensure	VERB
ajbmeb-2964	8	15	sustainable	sustainable	ADJ
ajbmeb-2964	8	16	development”1	development”1	NOUN
ajbmeb-2964	8	17	.	.	PUNCT
ajbmeb-2964	9	1	microfinance	microfinance	NOUN
ajbmeb-2964	9	2	organizations	organization	NOUN
ajbmeb-2964	9	3	are	be	AUX
ajbmeb-2964	9	4	not	not	PART
ajbmeb-2964	9	5	considered	consider	VERB
ajbmeb-2964	9	6	credit	credit	NOUN
ajbmeb-2964	9	7	organizations	organization	NOUN
ajbmeb-2964	9	8	,	,	PUNCT
ajbmeb-2964	9	9	that	that	ADV
ajbmeb-2964	9	10	is	is	ADV
ajbmeb-2964	9	11	,	,	PUNCT
ajbmeb-2964	9	12	full	full	ADJ
ajbmeb-2964	9	13	-	-	PUNCT
ajbmeb-2964	9	14	fledged	fledge	VERB
ajbmeb-2964	9	15	banking	banking	NOUN
ajbmeb-2964	9	16	institutions	institution	NOUN
ajbmeb-2964	9	17	,	,	PUNCT
ajbmeb-2964	9	18	but	but	CCONJ
ajbmeb-2964	9	19	their	their	PRON
ajbmeb-2964	9	20	activities	activity	NOUN
ajbmeb-2964	9	21	have	have	VERB
ajbmeb-2964	9	22	similarities	similarity	NOUN
ajbmeb-2964	9	23	with	with	ADP
ajbmeb-2964	9	24	those	those	PRON
ajbmeb-2964	9	25	of	of	ADP
ajbmeb-2964	9	26	banks	bank	NOUN
ajbmeb-2964	9	27	.	.	PUNCT
ajbmeb-2964	10	1	if	if	SCONJ
ajbmeb-2964	10	2	we	we	PRON
ajbmeb-2964	10	3	pay	pay	VERB
ajbmeb-2964	10	4	attention	attention	NOUN
ajbmeb-2964	10	5	to	to	ADP
ajbmeb-2964	10	6	the	the	DET
ajbmeb-2964	10	7	stages	stage	NOUN
ajbmeb-2964	10	8	of	of	ADP
ajbmeb-2964	10	9	creation	creation	NOUN
ajbmeb-2964	10	10	and	and	CCONJ
ajbmeb-2964	10	11	development	development	NOUN
ajbmeb-2964	10	12	of	of	ADP
ajbmeb-2964	10	13	microfinance	microfinance	NOUN
ajbmeb-2964	10	14	organizations	organization	NOUN
ajbmeb-2964	10	15	,	,	PUNCT
ajbmeb-2964	10	16	the	the	DET
ajbmeb-2964	10	17	following	follow	VERB
ajbmeb-2964	10	18	can	can	AUX
ajbmeb-2964	10	19	be	be	AUX
ajbmeb-2964	10	20	cited	cite	VERB
ajbmeb-2964	10	21	as	as	ADP
ajbmeb-2964	10	22	the	the	DET
ajbmeb-2964	10	23	main	main	ADJ
ajbmeb-2964	10	24	reasons	reason	NOUN
ajbmeb-2964	10	25	that	that	PRON
ajbmeb-2964	10	26	influenced	influence	VERB
ajbmeb-2964	10	27	these	these	DET
ajbmeb-2964	10	28	processes	process	NOUN
ajbmeb-2964	10	29	:	:	PUNCT
ajbmeb-2964	10	30	meeting	meet	VERB
ajbmeb-2964	10	31	the	the	DET
ajbmeb-2964	10	32	needs	need	NOUN
ajbmeb-2964	10	33	of	of	ADP
ajbmeb-2964	10	34	individuals	individual	NOUN
ajbmeb-2964	10	35	who	who	PRON
ajbmeb-2964	10	36	do	do	AUX
ajbmeb-2964	10	37	not	not	PART
ajbmeb-2964	10	38	have	have	VERB
ajbmeb-2964	10	39	the	the	DET
ajbmeb-2964	10	40	opportunity	opportunity	NOUN
ajbmeb-2964	10	41	to	to	PART
ajbmeb-2964	10	42	directly	directly	ADV
ajbmeb-2964	10	43	apply	apply	VERB
ajbmeb-2964	10	44	to	to	ADP
ajbmeb-2964	10	45	traditional	traditional	ADJ
ajbmeb-2964	10	46	banks	bank	NOUN
ajbmeb-2964	10	47	to	to	PART
ajbmeb-2964	10	48	obtain	obtain	VERB
ajbmeb-2964	10	49	small	small	ADJ
ajbmeb-2964	10	50	microloans	microloan	NOUN
ajbmeb-2964	10	51	;	;	PUNCT
ajbmeb-2964	10	52	offering	offer	VERB
ajbmeb-2964	10	53	microfinance	microfinance	NOUN
ajbmeb-2964	10	54	services	service	NOUN
ajbmeb-2964	10	55	to	to	ADP
ajbmeb-2964	10	56	the	the	DET
ajbmeb-2964	10	57	population	population	NOUN
ajbmeb-2964	10	58	living	live	VERB
ajbmeb-2964	10	59	in	in	ADP
ajbmeb-2964	10	60	remote	remote	ADJ
ajbmeb-2964	10	61	areas	area	NOUN
ajbmeb-2964	10	62	of	of	ADP
ajbmeb-2964	10	63	the	the	DET
ajbmeb-2964	10	64	country	country	NOUN
ajbmeb-2964	10	65	;	;	PUNCT
ajbmeb-2964	10	66	issuance	issuance	NOUN
ajbmeb-2964	10	67	of	of	ADP
ajbmeb-2964	10	68	microloans	microloan	NOUN
ajbmeb-2964	10	69	to	to	ADP
ajbmeb-2964	10	70	individuals	individual	NOUN
ajbmeb-2964	10	71	who	who	PRON
ajbmeb-2964	10	72	do	do	AUX
ajbmeb-2964	10	73	not	not	PART
ajbmeb-2964	10	74	have	have	VERB
ajbmeb-2964	10	75	a	a	DET
ajbmeb-2964	10	76	credit	credit	NOUN
ajbmeb-2964	10	77	history	history	NOUN
ajbmeb-2964	10	78	;	;	PUNCT
ajbmeb-2964	10	79	the	the	DET
ajbmeb-2964	10	80	process	process	NOUN
ajbmeb-2964	10	81	of	of	ADP
ajbmeb-2964	10	82	processing	processing	NOUN
ajbmeb-2964	10	83	loan	loan	NOUN
ajbmeb-2964	10	84	documents	document	NOUN
ajbmeb-2964	10	85	and	and	CCONJ
ajbmeb-2964	10	86	the	the	DET
ajbmeb-2964	10	87	limited	limited	ADJ
ajbmeb-2964	10	88	number	number	NOUN
ajbmeb-2964	10	89	of	of	ADP
ajbmeb-2964	10	90	documents	document	NOUN
ajbmeb-2964	10	91	in	in	ADP
ajbmeb-2964	10	92	relation	relation	NOUN
ajbmeb-2964	10	93	to	to	ADP
ajbmeb-2964	10	94	commercial	commercial	ADJ
ajbmeb-2964	10	95	banks	bank	NOUN
ajbmeb-2964	10	96	;	;	PUNCT
ajbmeb-2964	10	97	1	1	NUM
ajbmeb-2964	10	98	global	global	ADJ
ajbmeb-2964	10	99	economic	economic	ADJ
ajbmeb-2964	10	100	prospects	prospect	NOUN
ajbmeb-2964	10	101	,	,	PUNCT
ajbmeb-2964	10	102	january	january	PROPN
ajbmeb-2964	10	103	2025	2025	NUM
ajbmeb-2964	10	104	/	/	SYM
ajbmeb-2964	10	105	the	the	DET
ajbmeb-2964	10	106	world	world	PROPN
ajbmeb-2964	10	107	bank	bank	PROPN
ajbmeb-2964	10	108	.	.	PUNCT
ajbmeb-2964	11	1	internet	internet	NOUN
ajbmeb-2964	11	2	:	:	PUNCT
ajbmeb-2964	11	3	www.worldbank.org	www.worldbank.org	PROPN
ajbmeb-2964	11	4	american	american	ADJ
ajbmeb-2964	11	5	journal	journal	PROPN
ajbmeb-2964	11	6	of	of	ADP
ajbmeb-2964	11	7	business	business	NOUN
ajbmeb-2964	11	8	management	management	NOUN
ajbmeb-2964	11	9	,	,	PUNCT
ajbmeb-2964	11	10	economics	economic	NOUN
ajbmeb-2964	11	11	and	and	CCONJ
ajbmeb-2964	11	12	banking	banking	NOUN
ajbmeb-2964	11	13	volume	volume	NOUN
ajbmeb-2964	11	14	36	36	NUM
ajbmeb-2964	11	15	may2025	may2025	NOUN
ajbmeb-2964	11	16	p	p	NOUN
ajbmeb-2964	11	17	a	a	DET
ajbmeb-2964	11	18	g	g	NOUN
ajbmeb-2964	11	19	e	e	NOUN
ajbmeb-2964	11	20	|	|	ADV
ajbmeb-2964	11	21	104	104	NUM
ajbmeb-2964	11	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2964	11	23	such	such	ADJ
ajbmeb-2964	11	24	aspects	aspect	NOUN
ajbmeb-2964	11	25	as	as	ADP
ajbmeb-2964	11	26	strengthening	strengthen	VERB
ajbmeb-2964	11	27	competition	competition	NOUN
ajbmeb-2964	11	28	in	in	ADP
ajbmeb-2964	11	29	the	the	DET
ajbmeb-2964	11	30	financial	financial	ADJ
ajbmeb-2964	11	31	services	service	NOUN
ajbmeb-2964	11	32	market	market	NOUN
ajbmeb-2964	11	33	and	and	CCONJ
ajbmeb-2964	11	34	expanding	expand	VERB
ajbmeb-2964	11	35	the	the	DET
ajbmeb-2964	11	36	range	range	NOUN
ajbmeb-2964	11	37	of	of	ADP
ajbmeb-2964	11	38	services	service	NOUN
ajbmeb-2964	11	39	,	,	PUNCT
ajbmeb-2964	11	40	improving	improve	VERB
ajbmeb-2964	11	41	quality	quality	NOUN
ajbmeb-2964	11	42	and	and	CCONJ
ajbmeb-2964	11	43	shortening	shorten	VERB
ajbmeb-2964	11	44	the	the	DET
ajbmeb-2964	11	45	processing	processing	NOUN
ajbmeb-2964	11	46	time	time	NOUN
ajbmeb-2964	11	47	of	of	ADP
ajbmeb-2964	11	48	documents	document	NOUN
ajbmeb-2964	11	49	.	.	PUNCT
ajbmeb-2964	12	1	if	if	SCONJ
ajbmeb-2964	12	2	we	we	PRON
ajbmeb-2964	12	3	pay	pay	VERB
ajbmeb-2964	12	4	attention	attention	NOUN
ajbmeb-2964	12	5	to	to	ADP
ajbmeb-2964	12	6	the	the	DET
ajbmeb-2964	12	7	history	history	NOUN
ajbmeb-2964	12	8	and	and	CCONJ
ajbmeb-2964	12	9	processes	process	NOUN
ajbmeb-2964	12	10	of	of	ADP
ajbmeb-2964	12	11	development	development	NOUN
ajbmeb-2964	12	12	of	of	ADP
ajbmeb-2964	12	13	microfinance	microfinance	NOUN
ajbmeb-2964	12	14	organizations	organization	NOUN
ajbmeb-2964	12	15	,	,	PUNCT
ajbmeb-2964	12	16	we	we	PRON
ajbmeb-2964	12	17	can	can	AUX
ajbmeb-2964	12	18	see	see	VERB
ajbmeb-2964	12	19	that	that	SCONJ
ajbmeb-2964	12	20	this	this	DET
ajbmeb-2964	12	21	process	process	NOUN
ajbmeb-2964	12	22	does	do	AUX
ajbmeb-2964	12	23	not	not	PART
ajbmeb-2964	12	24	have	have	VERB
ajbmeb-2964	12	25	a	a	DET
ajbmeb-2964	12	26	very	very	ADV
ajbmeb-2964	12	27	deep	deep	ADJ
ajbmeb-2964	12	28	history	history	NOUN
ajbmeb-2964	12	29	.	.	PUNCT
ajbmeb-2964	13	1	more	more	ADV
ajbmeb-2964	13	2	specifically	specifically	ADV
ajbmeb-2964	13	3	,	,	PUNCT
ajbmeb-2964	13	4	microcredit	microcredit	NOUN
ajbmeb-2964	13	5	organizations	organization	NOUN
ajbmeb-2964	13	6	began	begin	VERB
ajbmeb-2964	13	7	to	to	PART
ajbmeb-2964	13	8	be	be	AUX
ajbmeb-2964	13	9	formed	form	VERB
ajbmeb-2964	13	10	in	in	ADP
ajbmeb-2964	13	11	the	the	DET
ajbmeb-2964	13	12	last	last	ADJ
ajbmeb-2964	13	13	fourth	fourth	ADJ
ajbmeb-2964	13	14	stage	stage	NOUN
ajbmeb-2964	13	15	of	of	ADP
ajbmeb-2964	13	16	the	the	DET
ajbmeb-2964	13	17	20th	20th	ADJ
ajbmeb-2964	13	18	century	century	NOUN
ajbmeb-2964	13	19	.	.	PUNCT
ajbmeb-2964	14	1	during	during	ADP
ajbmeb-2964	14	2	this	this	DET
ajbmeb-2964	14	3	period	period	NOUN
ajbmeb-2964	14	4	,	,	PUNCT
ajbmeb-2964	14	5	microfinance	microfinance	NOUN
ajbmeb-2964	14	6	organizations	organization	NOUN
ajbmeb-2964	14	7	first	first	ADV
ajbmeb-2964	14	8	appeared	appear	VERB
ajbmeb-2964	14	9	in	in	ADP
ajbmeb-2964	14	10	the	the	DET
ajbmeb-2964	14	11	practice	practice	NOUN
ajbmeb-2964	14	12	of	of	ADP
ajbmeb-2964	14	13	developing	develop	VERB
ajbmeb-2964	14	14	countries	country	NOUN
ajbmeb-2964	14	15	such	such	ADJ
ajbmeb-2964	14	16	as	as	ADP
ajbmeb-2964	14	17	india	india	PROPN
ajbmeb-2964	14	18	,	,	PUNCT
ajbmeb-2964	14	19	bangladesh	bangladesh	PROPN
ajbmeb-2964	14	20	,	,	PUNCT
ajbmeb-2964	14	21	malaysia	malaysia	PROPN
ajbmeb-2964	14	22	,	,	PUNCT
ajbmeb-2964	14	23	indonesia	indonesia	PROPN
ajbmeb-2964	14	24	,	,	PUNCT
ajbmeb-2964	14	25	and	and	CCONJ
ajbmeb-2964	14	26	brazil2	brazil2	ADJ
ajbmeb-2964	14	27	.	.	PUNCT
ajbmeb-2964	15	1	as	as	ADP
ajbmeb-2964	15	2	a	a	DET
ajbmeb-2964	15	3	result	result	NOUN
ajbmeb-2964	15	4	of	of	ADP
ajbmeb-2964	15	5	studies	study	NOUN
ajbmeb-2964	15	6	and	and	CCONJ
ajbmeb-2964	15	7	conducted	conduct	VERB
ajbmeb-2964	15	8	research	research	NOUN
ajbmeb-2964	15	9	,	,	PUNCT
ajbmeb-2964	15	10	it	it	PRON
ajbmeb-2964	15	11	became	became	AUX
ajbmeb-2964	15	12	known	know	VERB
ajbmeb-2964	15	13	that	that	SCONJ
ajbmeb-2964	15	14	in	in	ADP
ajbmeb-2964	15	15	almost	almost	ADV
ajbmeb-2964	15	16	all	all	DET
ajbmeb-2964	15	17	the	the	DET
ajbmeb-2964	15	18	work	work	NOUN
ajbmeb-2964	15	19	carried	carry	VERB
ajbmeb-2964	15	20	out	out	ADP
ajbmeb-2964	15	21	on	on	ADP
ajbmeb-2964	15	22	microfinance	microfinance	NOUN
ajbmeb-2964	15	23	organizations	organization	NOUN
ajbmeb-2964	15	24	,	,	PUNCT
ajbmeb-2964	15	25	their	their	PRON
ajbmeb-2964	15	26	activities	activity	NOUN
ajbmeb-2964	15	27	and	and	CCONJ
ajbmeb-2964	15	28	processes	process	NOUN
ajbmeb-2964	15	29	related	relate	VERB
ajbmeb-2964	15	30	to	to	ADP
ajbmeb-2964	15	31	their	their	PRON
ajbmeb-2964	15	32	functioning	functioning	NOUN
ajbmeb-2964	15	33	,	,	PUNCT
ajbmeb-2964	15	34	the	the	DET
ajbmeb-2964	15	35	founder	founder	NOUN
ajbmeb-2964	15	36	of	of	ADP
ajbmeb-2964	15	37	the	the	DET
ajbmeb-2964	15	38	microfinance	microfinance	NOUN
ajbmeb-2964	15	39	organization	organization	NOUN
ajbmeb-2964	15	40	is	be	AUX
ajbmeb-2964	15	41	recognized	recognize	VERB
ajbmeb-2964	15	42	as	as	ADP
ajbmeb-2964	15	43	the	the	DET
ajbmeb-2964	15	44	bangladeshi	bangladeshi	ADJ
ajbmeb-2964	15	45	economist	economist	NOUN
ajbmeb-2964	15	46	and	and	CCONJ
ajbmeb-2964	15	47	entrepreneur	entrepreneur	NOUN
ajbmeb-2964	15	48	muhammad	muhammad	PROPN
ajbmeb-2964	15	49	yunus	yunus	PROPN
ajbmeb-2964	15	50	.	.	PUNCT
ajbmeb-2964	16	1	muhammad	muhammad	PROPN
ajbmeb-2964	16	2	yunus	yunus	PROPN
ajbmeb-2964	16	3	'	'	PART
ajbmeb-2964	16	4	contribution	contribution	NOUN
ajbmeb-2964	16	5	to	to	ADP
ajbmeb-2964	16	6	the	the	DET
ajbmeb-2964	16	7	development	development	NOUN
ajbmeb-2964	16	8	of	of	ADP
ajbmeb-2964	16	9	microfinance	microfinance	NOUN
ajbmeb-2964	16	10	organizations	organization	NOUN
ajbmeb-2964	16	11	was	be	AUX
ajbmeb-2964	16	12	that	that	SCONJ
ajbmeb-2964	16	13	he	he	PRON
ajbmeb-2964	16	14	provided	provide	VERB
ajbmeb-2964	16	15	a	a	DET
ajbmeb-2964	16	16	small	small	ADJ
ajbmeb-2964	16	17	amount	amount	NOUN
ajbmeb-2964	16	18	of	of	ADP
ajbmeb-2964	16	19	financial	financial	ADJ
ajbmeb-2964	16	20	resources	resource	NOUN
ajbmeb-2964	16	21	to	to	ADP
ajbmeb-2964	16	22	the	the	DET
ajbmeb-2964	16	23	financially	financially	ADV
ajbmeb-2964	16	24	disadvantaged	disadvantaged	ADJ
ajbmeb-2964	16	25	segment	segment	NOUN
ajbmeb-2964	16	26	of	of	ADP
ajbmeb-2964	16	27	the	the	DET
ajbmeb-2964	16	28	population	population	NOUN
ajbmeb-2964	16	29	for	for	ADP
ajbmeb-2964	16	30	business	business	NOUN
ajbmeb-2964	16	31	development	development	NOUN
ajbmeb-2964	16	32	,	,	PUNCT
ajbmeb-2964	16	33	where	where	SCONJ
ajbmeb-2964	16	34	one	one	NUM
ajbmeb-2964	16	35	of	of	ADP
ajbmeb-2964	16	36	the	the	DET
ajbmeb-2964	16	37	main	main	ADJ
ajbmeb-2964	16	38	conditions	condition	NOUN
ajbmeb-2964	16	39	for	for	ADP
ajbmeb-2964	16	40	the	the	DET
ajbmeb-2964	16	41	provision	provision	NOUN
ajbmeb-2964	16	42	of	of	ADP
ajbmeb-2964	16	43	this	this	DET
ajbmeb-2964	16	44	amount	amount	NOUN
ajbmeb-2964	16	45	was	be	AUX
ajbmeb-2964	16	46	that	that	SCONJ
ajbmeb-2964	16	47	the	the	DET
ajbmeb-2964	16	48	given	give	VERB
ajbmeb-2964	16	49	amount	amount	NOUN
ajbmeb-2964	16	50	was	be	AUX
ajbmeb-2964	16	51	prohibited	prohibit	VERB
ajbmeb-2964	16	52	from	from	ADP
ajbmeb-2964	16	53	being	be	AUX
ajbmeb-2964	16	54	spent	spend	VERB
ajbmeb-2964	16	55	on	on	ADP
ajbmeb-2964	16	56	consumption	consumption	NOUN
ajbmeb-2964	16	57	,	,	PUNCT
ajbmeb-2964	16	58	and	and	CCONJ
ajbmeb-2964	16	59	this	this	DET
ajbmeb-2964	16	60	amount	amount	NOUN
ajbmeb-2964	16	61	was	be	AUX
ajbmeb-2964	16	62	mandatory	mandatory	ADJ
ajbmeb-2964	16	63	for	for	ADP
ajbmeb-2964	16	64	business	business	NOUN
ajbmeb-2964	16	65	development	development	NOUN
ajbmeb-2964	16	66	.	.	PUNCT
ajbmeb-2964	17	1	as	as	ADP
ajbmeb-2964	17	2	a	a	DET
ajbmeb-2964	17	3	result	result	NOUN
ajbmeb-2964	17	4	of	of	ADP
ajbmeb-2964	17	5	the	the	DET
ajbmeb-2964	17	6	successful	successful	ADJ
ajbmeb-2964	17	7	development	development	NOUN
ajbmeb-2964	17	8	of	of	ADP
ajbmeb-2964	17	9	muhammad	muhammad	PROPN
ajbmeb-2964	17	10	yunus	yunus	PROPN
ajbmeb-2964	17	11	's	's	PART
ajbmeb-2964	17	12	program	program	NOUN
ajbmeb-2964	17	13	in	in	ADP
ajbmeb-2964	17	14	bangladesh	bangladesh	PROPN
ajbmeb-2964	17	15	,	,	PUNCT
ajbmeb-2964	17	16	which	which	PRON
ajbmeb-2964	17	17	supported	support	VERB
ajbmeb-2964	17	18	the	the	DET
ajbmeb-2964	17	19	financially	financially	ADV
ajbmeb-2964	17	20	poor	poor	ADJ
ajbmeb-2964	17	21	segments	segment	NOUN
ajbmeb-2964	17	22	of	of	ADP
ajbmeb-2964	17	23	the	the	DET
ajbmeb-2964	17	24	population	population	NOUN
ajbmeb-2964	17	25	based	base	VERB
ajbmeb-2964	17	26	on	on	ADP
ajbmeb-2964	17	27	microfinancing	microfinance	VERB
ajbmeb-2964	17	28	,	,	PUNCT
ajbmeb-2964	17	29	“	"	PUNCT
ajbmeb-2964	17	30	gramin	gramin	PROPN
ajbmeb-2964	17	31	bank	bank	NOUN
ajbmeb-2964	17	32	”	"	PUNCT
ajbmeb-2964	17	33	(	(	PUNCT
ajbmeb-2964	17	34	grameen	grameen	PROPN
ajbmeb-2964	17	35	bank	bank	PROPN
ajbmeb-2964	17	36	of	of	ADP
ajbmeb-2964	17	37	bangladesh	bangladesh	PROPN
ajbmeb-2964	17	38	)	)	PUNCT
ajbmeb-2964	17	39	was	be	AUX
ajbmeb-2964	17	40	created	create	VERB
ajbmeb-2964	17	41	in	in	ADP
ajbmeb-2964	17	42	the	the	DET
ajbmeb-2964	17	43	future	future	NOUN
ajbmeb-2964	17	44	.	.	PUNCT
ajbmeb-2964	18	1	this	this	DET
ajbmeb-2964	18	2	bank	bank	NOUN
ajbmeb-2964	18	3	is	be	AUX
ajbmeb-2964	18	4	the	the	DET
ajbmeb-2964	18	5	first	first	ADJ
ajbmeb-2964	18	6	in	in	ADP
ajbmeb-2964	18	7	the	the	DET
ajbmeb-2964	18	8	world	world	NOUN
ajbmeb-2964	18	9	to	to	PART
ajbmeb-2964	18	10	provide	provide	VERB
ajbmeb-2964	18	11	microfinance	microfinance	NOUN
ajbmeb-2964	18	12	services	service	NOUN
ajbmeb-2964	18	13	and	and	CCONJ
ajbmeb-2964	18	14	continues	continue	VERB
ajbmeb-2964	18	15	to	to	PART
ajbmeb-2964	18	16	operate	operate	VERB
ajbmeb-2964	18	17	successfully	successfully	ADV
ajbmeb-2964	18	18	to	to	ADP
ajbmeb-2964	18	19	this	this	DET
ajbmeb-2964	18	20	day	day	NOUN
ajbmeb-2964	18	21	.	.	PUNCT
ajbmeb-2964	19	1	however	however	ADV
ajbmeb-2964	19	2	,	,	PUNCT
ajbmeb-2964	19	3	the	the	DET
ajbmeb-2964	19	4	fact	fact	NOUN
ajbmeb-2964	19	5	that	that	SCONJ
ajbmeb-2964	19	6	microcredit	microcredit	NOUN
ajbmeb-2964	19	7	organizations	organization	NOUN
ajbmeb-2964	19	8	were	be	AUX
ajbmeb-2964	19	9	initially	initially	ADV
ajbmeb-2964	19	10	opened	open	VERB
ajbmeb-2964	19	11	by	by	ADP
ajbmeb-2964	19	12	muhammad	muhammad	PROPN
ajbmeb-2964	19	13	yunus	yunus	PROPN
ajbmeb-2964	19	14	is	be	AUX
ajbmeb-2964	19	15	not	not	PART
ajbmeb-2964	19	16	without	without	ADP
ajbmeb-2964	19	17	some	some	DET
ajbmeb-2964	19	18	considerations	consideration	NOUN
ajbmeb-2964	19	19	.	.	PUNCT
ajbmeb-2964	20	1	for	for	ADP
ajbmeb-2964	20	2	example	example	NOUN
ajbmeb-2964	20	3	,	,	PUNCT
ajbmeb-2964	20	4	the	the	DET
ajbmeb-2964	20	5	emergence	emergence	NOUN
ajbmeb-2964	20	6	of	of	ADP
ajbmeb-2964	20	7	these	these	DET
ajbmeb-2964	20	8	financial	financial	ADJ
ajbmeb-2964	20	9	institutions	institution	NOUN
ajbmeb-2964	20	10	is	be	AUX
ajbmeb-2964	20	11	facilitated	facilitate	VERB
ajbmeb-2964	20	12	by	by	ADP
ajbmeb-2964	20	13	the	the	DET
ajbmeb-2964	20	14	fact	fact	NOUN
ajbmeb-2964	20	15	that	that	SCONJ
ajbmeb-2964	20	16	when	when	SCONJ
ajbmeb-2964	20	17	poor	poor	ADJ
ajbmeb-2964	20	18	entrepreneurs	entrepreneur	NOUN
ajbmeb-2964	20	19	apply	apply	VERB
ajbmeb-2964	20	20	to	to	ADP
ajbmeb-2964	20	21	the	the	DET
ajbmeb-2964	20	22	bank	bank	NOUN
ajbmeb-2964	20	23	to	to	PART
ajbmeb-2964	20	24	establish	establish	VERB
ajbmeb-2964	20	25	production	production	NOUN
ajbmeb-2964	20	26	,	,	PUNCT
ajbmeb-2964	20	27	the	the	DET
ajbmeb-2964	20	28	interest	interest	NOUN
ajbmeb-2964	20	29	rate	rate	NOUN
ajbmeb-2964	20	30	on	on	ADP
ajbmeb-2964	20	31	the	the	DET
ajbmeb-2964	20	32	loan	loan	NOUN
ajbmeb-2964	20	33	offered	offer	VERB
ajbmeb-2964	20	34	by	by	ADP
ajbmeb-2964	20	35	the	the	DET
ajbmeb-2964	20	36	bank	bank	NOUN
ajbmeb-2964	20	37	is	be	AUX
ajbmeb-2964	20	38	almost	almost	ADV
ajbmeb-2964	20	39	half	half	NOUN
ajbmeb-2964	20	40	of	of	ADP
ajbmeb-2964	20	41	the	the	DET
ajbmeb-2964	20	42	earned	earn	VERB
ajbmeb-2964	20	43	profit	profit	NOUN
ajbmeb-2964	20	44	.	.	PUNCT
ajbmeb-2964	21	1	then	then	ADV
ajbmeb-2964	21	2	,	,	PUNCT
ajbmeb-2964	21	3	after	after	ADP
ajbmeb-2964	21	4	receiving	receive	VERB
ajbmeb-2964	21	5	a	a	DET
ajbmeb-2964	21	6	refusal	refusal	NOUN
ajbmeb-2964	21	7	from	from	ADP
ajbmeb-2964	21	8	local	local	ADJ
ajbmeb-2964	21	9	banks	bank	NOUN
ajbmeb-2964	21	10	to	to	PART
ajbmeb-2964	21	11	reduce	reduce	VERB
ajbmeb-2964	21	12	the	the	DET
ajbmeb-2964	21	13	interest	interest	NOUN
ajbmeb-2964	21	14	rate	rate	NOUN
ajbmeb-2964	21	15	on	on	ADP
ajbmeb-2964	21	16	the	the	DET
ajbmeb-2964	21	17	loan	loan	NOUN
ajbmeb-2964	21	18	,	,	PUNCT
ajbmeb-2964	21	19	he	he	PRON
ajbmeb-2964	21	20	decided	decide	VERB
ajbmeb-2964	21	21	to	to	PART
ajbmeb-2964	21	22	finance	finance	VERB
ajbmeb-2964	21	23	this	this	DET
ajbmeb-2964	21	24	production	production	NOUN
ajbmeb-2964	21	25	process	process	NOUN
ajbmeb-2964	21	26	at	at	ADP
ajbmeb-2964	21	27	the	the	DET
ajbmeb-2964	21	28	expense	expense	NOUN
ajbmeb-2964	21	29	of	of	ADP
ajbmeb-2964	21	30	familiar	familiar	ADJ
ajbmeb-2964	21	31	entrepreneurs	entrepreneur	NOUN
ajbmeb-2964	21	32	and	and	CCONJ
ajbmeb-2964	21	33	his	his	PRON
ajbmeb-2964	21	34	own	own	ADJ
ajbmeb-2964	21	35	capital	capital	NOUN
ajbmeb-2964	21	36	.	.	PUNCT
ajbmeb-2964	22	1	in	in	ADP
ajbmeb-2964	22	2	the	the	DET
ajbmeb-2964	22	3	future	future	NOUN
ajbmeb-2964	22	4	,	,	PUNCT
ajbmeb-2964	22	5	this	this	DET
ajbmeb-2964	22	6	same	same	ADJ
ajbmeb-2964	22	7	female	female	ADJ
ajbmeb-2964	22	8	entrepreneur	entrepreneur	NOUN
ajbmeb-2964	22	9	will	will	AUX
ajbmeb-2964	22	10	provide	provide	VERB
ajbmeb-2964	22	11	short	short	ADJ
ajbmeb-2964	22	12	-	-	PUNCT
ajbmeb-2964	22	13	term	term	NOUN
ajbmeb-2964	22	14	loans	loan	NOUN
ajbmeb-2964	22	15	(	(	PUNCT
ajbmeb-2964	22	16	credits	credit	NOUN
ajbmeb-2964	22	17	)	)	PUNCT
ajbmeb-2964	22	18	to	to	ADP
ajbmeb-2964	22	19	several	several	ADJ
ajbmeb-2964	22	20	female	female	ADJ
ajbmeb-2964	22	21	entrepreneurs	entrepreneur	NOUN
ajbmeb-2964	22	22	,	,	PUNCT
ajbmeb-2964	22	23	contributing	contribute	VERB
ajbmeb-2964	22	24	to	to	ADP
ajbmeb-2964	22	25	the	the	DET
ajbmeb-2964	22	26	development	development	NOUN
ajbmeb-2964	22	27	of	of	ADP
ajbmeb-2964	22	28	their	their	PRON
ajbmeb-2964	22	29	activities	activity	NOUN
ajbmeb-2964	22	30	.	.	PUNCT
ajbmeb-2964	23	1	women	woman	NOUN
ajbmeb-2964	23	2	entrepreneurs	entrepreneur	NOUN
ajbmeb-2964	23	3	who	who	PRON
ajbmeb-2964	23	4	took	take	VERB
ajbmeb-2964	23	5	out	out	ADP
ajbmeb-2964	23	6	loans	loan	NOUN
ajbmeb-2964	23	7	will	will	AUX
ajbmeb-2964	23	8	repay	repay	VERB
ajbmeb-2964	23	9	the	the	DET
ajbmeb-2964	23	10	borrowed	borrow	VERB
ajbmeb-2964	23	11	amount	amount	NOUN
ajbmeb-2964	23	12	in	in	ADP
ajbmeb-2964	23	13	full	full	ADJ
ajbmeb-2964	23	14	within	within	ADP
ajbmeb-2964	23	15	a	a	DET
ajbmeb-2964	23	16	short	short	ADJ
ajbmeb-2964	23	17	period	period	NOUN
ajbmeb-2964	23	18	.	.	PUNCT
ajbmeb-2964	24	1	thus	thus	ADV
ajbmeb-2964	24	2	,	,	PUNCT
ajbmeb-2964	24	3	the	the	DET
ajbmeb-2964	24	4	aforementioned	aforementioned	ADJ
ajbmeb-2964	24	5	gramin	gramin	PROPN
ajbmeb-2964	24	6	bank	bank	PROPN
ajbmeb-2964	24	7	was	be	AUX
ajbmeb-2964	24	8	established	establish	VERB
ajbmeb-2964	24	9	and	and	CCONJ
ajbmeb-2964	24	10	began	begin	VERB
ajbmeb-2964	24	11	serving	serve	VERB
ajbmeb-2964	24	12	more	more	ADJ
ajbmeb-2964	24	13	than	than	ADP
ajbmeb-2964	24	14	3.5	3.5	NUM
ajbmeb-2964	24	15	million	million	NUM
ajbmeb-2964	24	16	clients	client	NOUN
ajbmeb-2964	24	17	in	in	ADP
ajbmeb-2964	24	18	a	a	DET
ajbmeb-2964	24	19	short	short	ADJ
ajbmeb-2964	24	20	period	period	NOUN
ajbmeb-2964	24	21	.	.	PUNCT
ajbmeb-2964	25	1	however	however	ADV
ajbmeb-2964	25	2	,	,	PUNCT
ajbmeb-2964	25	3	this	this	PRON
ajbmeb-2964	25	4	does	do	AUX
ajbmeb-2964	25	5	not	not	PART
ajbmeb-2964	25	6	mean	mean	VERB
ajbmeb-2964	25	7	that	that	SCONJ
ajbmeb-2964	25	8	the	the	DET
ajbmeb-2964	25	9	microfinance	microfinance	NOUN
ajbmeb-2964	25	10	organization	organization	NOUN
ajbmeb-2964	25	11	was	be	AUX
ajbmeb-2964	25	12	first	first	ADV
ajbmeb-2964	25	13	opened	open	VERB
ajbmeb-2964	25	14	in	in	ADP
ajbmeb-2964	25	15	bangladesh	bangladesh	NOUN
ajbmeb-2964	25	16	.	.	PUNCT
ajbmeb-2964	26	1	because	because	SCONJ
ajbmeb-2964	26	2	financial	financial	ADJ
ajbmeb-2964	26	3	institutions	institution	NOUN
ajbmeb-2964	26	4	operating	operate	VERB
ajbmeb-2964	26	5	on	on	ADP
ajbmeb-2964	26	6	the	the	DET
ajbmeb-2964	26	7	same	same	ADJ
ajbmeb-2964	26	8	principles	principle	NOUN
ajbmeb-2964	26	9	were	be	AUX
ajbmeb-2964	26	10	established	establish	VERB
ajbmeb-2964	26	11	in	in	ADP
ajbmeb-2964	26	12	europe	europe	PROPN
ajbmeb-2964	26	13	much	much	ADV
ajbmeb-2964	26	14	earlier	early	ADV
ajbmeb-2964	26	15	,	,	PUNCT
ajbmeb-2964	26	16	that	that	ADV
ajbmeb-2964	26	17	is	is	ADV
ajbmeb-2964	26	18	,	,	PUNCT
ajbmeb-2964	26	19	in	in	ADP
ajbmeb-2964	26	20	the	the	DET
ajbmeb-2964	26	21	16th	16th	ADJ
ajbmeb-2964	26	22	century	century	NOUN
ajbmeb-2964	26	23	.	.	PUNCT
ajbmeb-2964	27	1	in	in	ADP
ajbmeb-2964	27	2	particular	particular	ADJ
ajbmeb-2964	27	3	,	,	PUNCT
ajbmeb-2964	27	4	in	in	ADP
ajbmeb-2964	27	5	the	the	DET
ajbmeb-2964	27	6	netherlands	netherlands	PROPN
ajbmeb-2964	27	7	,	,	PUNCT
ajbmeb-2964	27	8	the	the	DET
ajbmeb-2964	27	9	“	"	PUNCT
ajbmeb-2964	27	10	bank	bank	NOUN
ajbmeb-2964	27	11	of	of	ADP
ajbmeb-2964	27	12	the	the	DET
ajbmeb-2964	27	13	poor	poor	ADJ
ajbmeb-2964	27	14	”	"	PUNCT
ajbmeb-2964	27	15	,	,	PUNCT
ajbmeb-2964	27	16	which	which	PRON
ajbmeb-2964	27	17	serves	serve	VERB
ajbmeb-2964	27	18	the	the	DET
ajbmeb-2964	27	19	poor	poor	ADJ
ajbmeb-2964	27	20	,	,	PUNCT
ajbmeb-2964	27	21	was	be	AUX
ajbmeb-2964	27	22	founded	found	VERB
ajbmeb-2964	27	23	in	in	ADP
ajbmeb-2964	27	24	1618	1618	NUM
ajbmeb-2964	27	25	.	.	PUNCT
ajbmeb-2964	28	1	in	in	ADP
ajbmeb-2964	28	2	the	the	DET
ajbmeb-2964	28	3	18th	18th	ADJ
ajbmeb-2964	28	4	century	century	NOUN
ajbmeb-2964	28	5	,	,	PUNCT
ajbmeb-2964	28	6	some	some	DET
ajbmeb-2964	28	7	charitable	charitable	ADJ
ajbmeb-2964	28	8	associations	association	NOUN
ajbmeb-2964	28	9	were	be	AUX
ajbmeb-2964	28	10	founded	found	VERB
ajbmeb-2964	28	11	in	in	ADP
ajbmeb-2964	28	12	ireland	ireland	PROPN
ajbmeb-2964	28	13	,	,	PUNCT
ajbmeb-2964	28	14	which	which	PRON
ajbmeb-2964	28	15	later	later	ADV
ajbmeb-2964	28	16	specialized	specialize	VERB
ajbmeb-2964	28	17	in	in	ADP
ajbmeb-2964	28	18	lending	lending	NOUN
ajbmeb-2964	28	19	.	.	PUNCT
ajbmeb-2964	29	1	such	such	ADJ
ajbmeb-2964	29	2	credit	credit	NOUN
ajbmeb-2964	29	3	unions	union	NOUN
ajbmeb-2964	29	4	also	also	ADV
ajbmeb-2964	29	5	operated	operate	VERB
ajbmeb-2964	29	6	on	on	ADP
ajbmeb-2964	29	7	the	the	DET
ajbmeb-2964	29	8	principle	principle	NOUN
ajbmeb-2964	29	9	of	of	ADP
ajbmeb-2964	29	10	collective	collective	ADJ
ajbmeb-2964	29	11	repayment	repayment	NOUN
ajbmeb-2964	29	12	in	in	ADP
ajbmeb-2964	29	13	cases	case	NOUN
ajbmeb-2964	29	14	where	where	SCONJ
ajbmeb-2964	29	15	the	the	DET
ajbmeb-2964	29	16	borrower	borrower	NOUN
ajbmeb-2964	29	17	was	be	AUX
ajbmeb-2964	29	18	unable	unable	ADJ
ajbmeb-2964	29	19	to	to	PART
ajbmeb-2964	29	20	repay	repay	VERB
ajbmeb-2964	29	21	the	the	DET
ajbmeb-2964	29	22	debt	debt	NOUN
ajbmeb-2964	29	23	.	.	PUNCT
ajbmeb-2964	30	1	these	these	DET
ajbmeb-2964	30	2	associations	association	NOUN
ajbmeb-2964	30	3	,	,	PUNCT
ajbmeb-2964	30	4	which	which	PRON
ajbmeb-2964	30	5	opened	open	VERB
ajbmeb-2964	30	6	in	in	ADP
ajbmeb-2964	30	7	europe	europe	PROPN
ajbmeb-2964	30	8	in	in	ADP
ajbmeb-2964	30	9	the	the	DET
ajbmeb-2964	30	10	19th	19th	ADJ
ajbmeb-2964	30	11	century	century	NOUN
ajbmeb-2964	30	12	,	,	PUNCT
ajbmeb-2964	30	13	later	later	ADV
ajbmeb-2964	30	14	became	became	AUX
ajbmeb-2964	30	15	known	know	VERB
ajbmeb-2964	30	16	as	as	ADP
ajbmeb-2964	30	17	loan	loan	NOUN
ajbmeb-2964	30	18	funds	fund	NOUN
ajbmeb-2964	30	19	,	,	PUNCT
ajbmeb-2964	30	20	which	which	PRON
ajbmeb-2964	30	21	collected	collect	VERB
ajbmeb-2964	30	22	interest	interest	NOUN
ajbmeb-2964	30	23	on	on	ADP
ajbmeb-2964	30	24	loans	loan	NOUN
ajbmeb-2964	30	25	and	and	CCONJ
ajbmeb-2964	30	26	attracted	attract	VERB
ajbmeb-2964	30	27	funds	fund	NOUN
ajbmeb-2964	30	28	in	in	ADP
ajbmeb-2964	30	29	deposits	deposit	NOUN
ajbmeb-2964	30	30	.	.	PUNCT
ajbmeb-2964	31	1	their	their	PRON
ajbmeb-2964	31	2	number	number	NOUN
ajbmeb-2964	31	3	in	in	ADP
ajbmeb-2964	31	4	the	the	DET
ajbmeb-2964	31	5	1840s	1840	NOUN
ajbmeb-2964	31	6	exceeded	exceed	VERB
ajbmeb-2964	31	7	300	300	NUM
ajbmeb-2964	31	8	,	,	PUNCT
ajbmeb-2964	31	9	of	of	ADP
ajbmeb-2964	31	10	which	which	PRON
ajbmeb-2964	31	11	more	more	ADJ
ajbmeb-2964	31	12	than	than	ADP
ajbmeb-2964	31	13	20	20	NUM
ajbmeb-2964	31	14	percent	percent	NOUN
ajbmeb-2964	31	15	were	be	AUX
ajbmeb-2964	31	16	established	establish	VERB
ajbmeb-2964	31	17	and	and	CCONJ
ajbmeb-2964	31	18	operated	operate	VERB
ajbmeb-2964	31	19	at	at	ADP
ajbmeb-2964	31	20	the	the	DET
ajbmeb-2964	31	21	initiative	initiative	NOUN
ajbmeb-2964	31	22	of	of	ADP
ajbmeb-2964	31	23	irish	irish	ADJ
ajbmeb-2964	31	24	families	family	NOUN
ajbmeb-2964	31	25	.	.	PUNCT
ajbmeb-2964	32	1	these	these	DET
ajbmeb-2964	32	2	funds	fund	NOUN
ajbmeb-2964	32	3	were	be	AUX
ajbmeb-2964	32	4	subsequently	subsequently	ADV
ajbmeb-2964	32	5	closed	close	VERB
ajbmeb-2964	32	6	due	due	ADJ
ajbmeb-2964	32	7	to	to	ADP
ajbmeb-2964	32	8	excessive	excessive	ADJ
ajbmeb-2964	32	9	interest	interest	NOUN
ajbmeb-2964	32	10	rates	rate	NOUN
ajbmeb-2964	32	11	.	.	PUNCT
ajbmeb-2964	33	1	historical	historical	ADJ
ajbmeb-2964	33	2	sources	source	NOUN
ajbmeb-2964	33	3	indicate	indicate	VERB
ajbmeb-2964	33	4	that	that	SCONJ
ajbmeb-2964	33	5	the	the	DET
ajbmeb-2964	33	6	first	first	ADJ
ajbmeb-2964	33	7	savings	saving	NOUN
ajbmeb-2964	33	8	banks	bank	NOUN
ajbmeb-2964	33	9	appeared	appear	VERB
ajbmeb-2964	33	10	in	in	ADP
ajbmeb-2964	33	11	hamburg	hamburg	PROPN
ajbmeb-2964	33	12	in	in	ADP
ajbmeb-2964	33	13	1801	1801	NUM
ajbmeb-2964	33	14	under	under	ADP
ajbmeb-2964	33	15	the	the	DET
ajbmeb-2964	33	16	influence	influence	NOUN
ajbmeb-2964	33	17	of	of	ADP
ajbmeb-2964	33	18	the	the	DET
ajbmeb-2964	33	19	irish	irish	NOUN
ajbmeb-2964	33	20	,	,	PUNCT
ajbmeb-2964	33	21	and	and	CCONJ
ajbmeb-2964	33	22	these	these	DET
ajbmeb-2964	33	23	banks	bank	NOUN
ajbmeb-2964	33	24	,	,	PUNCT
ajbmeb-2964	33	25	along	along	ADP
ajbmeb-2964	33	26	with	with	ADP
ajbmeb-2964	33	27	microloans	microloan	NOUN
ajbmeb-2964	33	28	,	,	PUNCT
ajbmeb-2964	33	29	also	also	ADV
ajbmeb-2964	33	30	accepted	accept	VERB
ajbmeb-2964	33	31	savings	saving	NOUN
ajbmeb-2964	33	32	.	.	PUNCT
ajbmeb-2964	34	1	in	in	ADP
ajbmeb-2964	34	2	germany	germany	PROPN
ajbmeb-2964	34	3	,	,	PUNCT
ajbmeb-2964	34	4	between	between	ADP
ajbmeb-2964	34	5	1885	1885	NUM
ajbmeb-2964	34	6	2	2	NUM
ajbmeb-2964	34	7	shahriar	shahriar	NOUN
ajbmeb-2964	34	8	a.	a.	PROPN
ajbmeb-2964	34	9	z.	z.	PROPN
ajbmeb-2964	34	10	m.	m.	PROPN
ajbmeb-2964	34	11	,	,	PUNCT
ajbmeb-2964	34	12	schwarz	schwarz	PROPN
ajbmeb-2964	34	13	s.	s.	PROPN
ajbmeb-2964	34	14	,	,	PUNCT
ajbmeb-2964	34	15	newman	newman	PROPN
ajbmeb-2964	34	16	a.	a.	PROPN
ajbmeb-2964	34	17	profit	profit	PROPN
ajbmeb-2964	34	18	orientation	orientation	NOUN
ajbmeb-2964	34	19	of	of	ADP
ajbmeb-2964	34	20	microfinance	microfinance	NOUN
ajbmeb-2964	34	21	institutions	institution	NOUN
ajbmeb-2964	34	22	and	and	CCONJ
ajbmeb-2964	34	23	provision	provision	NOUN
ajbmeb-2964	34	24	of	of	ADP
ajbmeb-2964	34	25	financial	financial	ADJ
ajbmeb-2964	34	26	capital	capital	NOUN
ajbmeb-2964	34	27	to	to	ADP
ajbmeb-2964	34	28	business	business	NOUN
ajbmeb-2964	34	29	start	start	NOUN
ajbmeb-2964	34	30	-	-	PUNCT
ajbmeb-2964	34	31	ups	up	NOUN
ajbmeb-2964	34	32	.	.	PUNCT
ajbmeb-2964	35	1	international	international	ADJ
ajbmeb-2964	35	2	small	small	ADJ
ajbmeb-2964	35	3	business	business	NOUN
ajbmeb-2964	35	4	journal	journal	NOUN
ajbmeb-2964	35	5	.	.	PUNCT
ajbmeb-2964	36	1	2016;34(4):532–552	2016;34(4):532–552	NUM
ajbmeb-2964	36	2	.	.	PUNCT
ajbmeb-2964	36	3	doi	doi	PROPN
ajbmeb-2964	36	4	:	:	PUNCT
ajbmeb-2964	36	5	10.1177/0266242615570401	10.1177/0266242615570401	NUM
ajbmeb-2964	36	6	american	american	PROPN
ajbmeb-2964	36	7	journal	journal	PROPN
ajbmeb-2964	36	8	of	of	ADP
ajbmeb-2964	36	9	business	business	NOUN
ajbmeb-2964	36	10	management	management	NOUN
ajbmeb-2964	36	11	,	,	PUNCT
ajbmeb-2964	36	12	economics	economic	NOUN
ajbmeb-2964	36	13	and	and	CCONJ
ajbmeb-2964	36	14	banking	banking	NOUN
ajbmeb-2964	36	15	volume	volume	NOUN
ajbmeb-2964	36	16	36	36	NUM
ajbmeb-2964	36	17	may2025	may2025	NOUN
ajbmeb-2964	36	18	p	p	NOUN
ajbmeb-2964	36	19	a	a	DET
ajbmeb-2964	36	20	g	g	NOUN
ajbmeb-2964	36	21	e	e	PROPN
ajbmeb-2964	36	22	|	|	ADV
ajbmeb-2964	36	23	105	105	NUM
ajbmeb-2964	36	24	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2964	36	25	and	and	CCONJ
ajbmeb-2964	36	26	1914	1914	NUM
ajbmeb-2964	36	27	,	,	PUNCT
ajbmeb-2964	36	28	the	the	DET
ajbmeb-2964	36	29	number	number	NOUN
ajbmeb-2964	36	30	of	of	ADP
ajbmeb-2964	36	31	agricultural	agricultural	ADJ
ajbmeb-2964	36	32	corporations	corporation	NOUN
ajbmeb-2964	36	33	established	establish	VERB
ajbmeb-2964	36	34	based	base	VERB
ajbmeb-2964	36	35	on	on	ADP
ajbmeb-2964	36	36	the	the	DET
ajbmeb-2964	36	37	principle	principle	NOUN
ajbmeb-2964	36	38	of	of	ADP
ajbmeb-2964	36	39	microcredit	microcredit	NOUN
ajbmeb-2964	36	40	organizations	organization	NOUN
ajbmeb-2964	36	41	increased	increase	VERB
ajbmeb-2964	36	42	from	from	ADP
ajbmeb-2964	36	43	245	245	NUM
ajbmeb-2964	36	44	to	to	ADP
ajbmeb-2964	36	45	15,000	15,000	NUM
ajbmeb-2964	36	46	,	,	PUNCT
ajbmeb-2964	36	47	operating	operate	VERB
ajbmeb-2964	36	48	as	as	ADP
ajbmeb-2964	36	49	agricultural	agricultural	ADJ
ajbmeb-2964	36	50	prototypes	prototype	NOUN
ajbmeb-2964	36	51	without	without	ADP
ajbmeb-2964	36	52	changing	change	VERB
ajbmeb-2964	36	53	the	the	DET
ajbmeb-2964	36	54	principles	principle	NOUN
ajbmeb-2964	36	55	of	of	ADP
ajbmeb-2964	36	56	their	their	PRON
ajbmeb-2964	36	57	activities	activity	NOUN
ajbmeb-2964	36	58	.	.	PUNCT
ajbmeb-2964	37	1	according	accord	VERB
ajbmeb-2964	37	2	to	to	ADP
ajbmeb-2964	37	3	some	some	DET
ajbmeb-2964	37	4	sources	source	NOUN
ajbmeb-2964	37	5	,	,	PUNCT
ajbmeb-2964	37	6	microfinance	microfinance	NOUN
ajbmeb-2964	37	7	organizations	organization	NOUN
ajbmeb-2964	37	8	currently	currently	ADV
ajbmeb-2964	37	9	account	account	VERB
ajbmeb-2964	37	10	for	for	ADP
ajbmeb-2964	37	11	50	50	NUM
ajbmeb-2964	37	12	%	%	NOUN
ajbmeb-2964	37	13	of	of	ADP
ajbmeb-2964	37	14	bank	bank	NOUN
ajbmeb-2964	37	15	assets	asset	NOUN
ajbmeb-2964	37	16	in	in	ADP
ajbmeb-2964	37	17	germany	germany	PROPN
ajbmeb-2964	37	18	.	.	PUNCT
ajbmeb-2964	38	1	analysis	analysis	NOUN
ajbmeb-2964	38	2	and	and	CCONJ
ajbmeb-2964	38	3	studies	study	NOUN
ajbmeb-2964	38	4	show	show	VERB
ajbmeb-2964	38	5	that	that	SCONJ
ajbmeb-2964	38	6	microfinance	microfinance	NOUN
ajbmeb-2964	38	7	organizations	organization	NOUN
ajbmeb-2964	38	8	established	establish	VERB
ajbmeb-2964	38	9	in	in	ADP
ajbmeb-2964	38	10	most	most	ADJ
ajbmeb-2964	38	11	european	european	ADJ
ajbmeb-2964	38	12	countries	country	NOUN
ajbmeb-2964	38	13	are	be	AUX
ajbmeb-2964	38	14	created	create	VERB
ajbmeb-2964	38	15	by	by	ADP
ajbmeb-2964	38	16	women	woman	NOUN
ajbmeb-2964	38	17	(	(	PUNCT
ajbmeb-2964	38	18	female	female	ADJ
ajbmeb-2964	38	19	entrepreneurs	entrepreneur	NOUN
ajbmeb-2964	38	20	)	)	PUNCT
ajbmeb-2964	38	21	,	,	PUNCT
ajbmeb-2964	38	22	and	and	CCONJ
ajbmeb-2964	38	23	in	in	ADP
ajbmeb-2964	38	24	most	most	ADJ
ajbmeb-2964	38	25	cases	case	NOUN
ajbmeb-2964	38	26	,	,	PUNCT
ajbmeb-2964	38	27	there	there	PRON
ajbmeb-2964	38	28	is	be	VERB
ajbmeb-2964	38	29	a	a	DET
ajbmeb-2964	38	30	view	view	NOUN
ajbmeb-2964	38	31	that	that	SCONJ
ajbmeb-2964	38	32	this	this	DET
ajbmeb-2964	38	33	business	business	NOUN
ajbmeb-2964	38	34	is	be	AUX
ajbmeb-2964	38	35	characteristic	characteristic	ADJ
ajbmeb-2964	38	36	of	of	ADP
ajbmeb-2964	38	37	women	woman	NOUN
ajbmeb-2964	38	38	.	.	PUNCT
ajbmeb-2964	39	1	in	in	ADP
ajbmeb-2964	39	2	the	the	DET
ajbmeb-2964	39	3	usa	usa	PROPN
ajbmeb-2964	39	4	,	,	PUNCT
ajbmeb-2964	39	5	savings	saving	NOUN
ajbmeb-2964	39	6	institutions	institution	NOUN
ajbmeb-2964	39	7	,	,	PUNCT
ajbmeb-2964	39	8	credit	credit	NOUN
ajbmeb-2964	39	9	unions	union	NOUN
ajbmeb-2964	39	10	,	,	PUNCT
ajbmeb-2964	39	11	and	and	CCONJ
ajbmeb-2964	39	12	financial	financial	ADJ
ajbmeb-2964	39	13	companies	company	NOUN
ajbmeb-2964	39	14	providing	provide	VERB
ajbmeb-2964	39	15	financial	financial	ADJ
ajbmeb-2964	39	16	services	service	NOUN
ajbmeb-2964	39	17	,	,	PUNCT
ajbmeb-2964	39	18	reflecting	reflect	VERB
ajbmeb-2964	39	19	the	the	DET
ajbmeb-2964	39	20	characteristics	characteristic	NOUN
ajbmeb-2964	39	21	of	of	ADP
ajbmeb-2964	39	22	commercial	commercial	ADJ
ajbmeb-2964	39	23	banks	bank	NOUN
ajbmeb-2964	39	24	,	,	PUNCT
ajbmeb-2964	39	25	began	begin	VERB
ajbmeb-2964	39	26	to	to	PART
ajbmeb-2964	39	27	emerge	emerge	VERB
ajbmeb-2964	39	28	in	in	ADP
ajbmeb-2964	39	29	the	the	DET
ajbmeb-2964	39	30	1800s	1800s	NUM
ajbmeb-2964	39	31	.	.	PUNCT
ajbmeb-2964	40	1	savings	saving	NOUN
ajbmeb-2964	40	2	institutions	institution	NOUN
ajbmeb-2964	40	3	,	,	PUNCT
ajbmeb-2964	40	4	as	as	SCONJ
ajbmeb-2964	40	5	financial	financial	ADJ
ajbmeb-2964	40	6	institutions	institution	NOUN
ajbmeb-2964	40	7	competing	compete	VERB
ajbmeb-2964	40	8	with	with	ADP
ajbmeb-2964	40	9	commercial	commercial	ADJ
ajbmeb-2964	40	10	banks	bank	NOUN
ajbmeb-2964	40	11	,	,	PUNCT
ajbmeb-2964	40	12	are	be	AUX
ajbmeb-2964	40	13	institutions	institution	NOUN
ajbmeb-2964	40	14	that	that	PRON
ajbmeb-2964	40	15	provide	provide	VERB
ajbmeb-2964	40	16	microfinance	microfinance	NOUN
ajbmeb-2964	40	17	products	product	NOUN
ajbmeb-2964	40	18	to	to	ADP
ajbmeb-2964	40	19	individuals	individual	NOUN
ajbmeb-2964	40	20	on	on	ADP
ajbmeb-2964	40	21	simple	simple	ADJ
ajbmeb-2964	40	22	,	,	PUNCT
ajbmeb-2964	40	23	short	short	ADJ
ajbmeb-2964	40	24	,	,	PUNCT
ajbmeb-2964	40	25	and	and	CCONJ
ajbmeb-2964	40	26	preferential	preferential	ADJ
ajbmeb-2964	40	27	terms	term	NOUN
ajbmeb-2964	40	28	.	.	PUNCT
ajbmeb-2964	41	1	even	even	ADV
ajbmeb-2964	41	2	today	today	NOUN
ajbmeb-2964	41	3	,	,	PUNCT
ajbmeb-2964	41	4	these	these	DET
ajbmeb-2964	41	5	institutions	institution	NOUN
ajbmeb-2964	41	6	practically	practically	ADV
ajbmeb-2964	41	7	perform	perform	VERB
ajbmeb-2964	41	8	a	a	DET
ajbmeb-2964	41	9	number	number	NOUN
ajbmeb-2964	41	10	of	of	ADP
ajbmeb-2964	41	11	operations	operation	NOUN
ajbmeb-2964	41	12	in	in	ADP
ajbmeb-2964	41	13	the	the	DET
ajbmeb-2964	41	14	activities	activity	NOUN
ajbmeb-2964	41	15	of	of	ADP
ajbmeb-2964	41	16	commercial	commercial	ADJ
ajbmeb-2964	41	17	banks	bank	NOUN
ajbmeb-2964	41	18	.	.	PUNCT
ajbmeb-2964	42	1	issues	issue	NOUN
ajbmeb-2964	42	2	mortgage	mortgage	NOUN
ajbmeb-2964	42	3	loans	loan	NOUN
ajbmeb-2964	42	4	to	to	ADP
ajbmeb-2964	42	5	the	the	DET
ajbmeb-2964	42	6	population	population	NOUN
ajbmeb-2964	42	7	and	and	CCONJ
ajbmeb-2964	42	8	provides	provide	VERB
ajbmeb-2964	42	9	other	other	ADJ
ajbmeb-2964	42	10	financial	financial	ADJ
ajbmeb-2964	42	11	services	service	NOUN
ajbmeb-2964	42	12	to	to	ADP
ajbmeb-2964	42	13	households	household	NOUN
ajbmeb-2964	42	14	.	.	PUNCT
ajbmeb-2964	43	1	in	in	ADP
ajbmeb-2964	43	2	the	the	DET
ajbmeb-2964	43	3	usa	usa	PROPN
ajbmeb-2964	43	4	,	,	PUNCT
ajbmeb-2964	43	5	credit	credit	NOUN
ajbmeb-2964	43	6	unions	union	NOUN
ajbmeb-2964	43	7	are	be	AUX
ajbmeb-2964	43	8	organizations	organization	NOUN
ajbmeb-2964	43	9	established	establish	VERB
ajbmeb-2964	43	10	by	by	ADP
ajbmeb-2964	43	11	depositors	depositor	NOUN
ajbmeb-2964	43	12	as	as	ADP
ajbmeb-2964	43	13	non	non	ADJ
ajbmeb-2964	43	14	-	-	ADJ
ajbmeb-2964	43	15	commercial	commercial	ADJ
ajbmeb-2964	43	16	deposit	deposit	NOUN
ajbmeb-2964	43	17	institutions	institution	NOUN
ajbmeb-2964	43	18	and	and	CCONJ
ajbmeb-2964	43	19	operating	operate	VERB
ajbmeb-2964	43	20	on	on	ADP
ajbmeb-2964	43	21	the	the	DET
ajbmeb-2964	43	22	basis	basis	NOUN
ajbmeb-2964	43	23	of	of	ADP
ajbmeb-2964	43	24	mutual	mutual	ADJ
ajbmeb-2964	43	25	agreement	agreement	NOUN
ajbmeb-2964	43	26	.	.	PUNCT
ajbmeb-2964	44	1	historically	historically	ADV
ajbmeb-2964	44	2	,	,	PUNCT
ajbmeb-2964	44	3	they	they	PRON
ajbmeb-2964	44	4	mainly	mainly	ADV
ajbmeb-2964	44	5	focused	focus	VERB
ajbmeb-2964	44	6	on	on	ADP
ajbmeb-2964	44	7	placing	place	VERB
ajbmeb-2964	44	8	funds	fund	NOUN
ajbmeb-2964	44	9	formed	form	VERB
ajbmeb-2964	44	10	by	by	ADP
ajbmeb-2964	44	11	depositors	depositor	NOUN
ajbmeb-2964	44	12	in	in	ADP
ajbmeb-2964	44	13	consumer	consumer	NOUN
ajbmeb-2964	44	14	loans	loan	NOUN
ajbmeb-2964	44	15	.	.	PUNCT
ajbmeb-2964	45	1	savings	saving	NOUN
ajbmeb-2964	45	2	institutions	institution	NOUN
ajbmeb-2964	45	3	and	and	CCONJ
ajbmeb-2964	45	4	credit	credit	NOUN
ajbmeb-2964	45	5	unions	union	NOUN
ajbmeb-2964	45	6	are	be	AUX
ajbmeb-2964	45	7	commonly	commonly	ADV
ajbmeb-2964	45	8	collectively	collectively	ADV
ajbmeb-2964	45	9	referred	refer	VERB
ajbmeb-2964	45	10	to	to	ADP
ajbmeb-2964	45	11	as	as	ADP
ajbmeb-2964	45	12	thriffs	thriff	NOUN
ajbmeb-2964	45	13	(	(	PUNCT
ajbmeb-2964	45	14	economy	economy	NOUN
ajbmeb-2964	45	15	)	)	PUNCT
ajbmeb-2964	45	16	.	.	PUNCT
ajbmeb-2964	46	1	the	the	DET
ajbmeb-2964	46	2	main	main	ADJ
ajbmeb-2964	46	3	function	function	NOUN
ajbmeb-2964	46	4	of	of	ADP
ajbmeb-2964	46	5	financial	financial	ADJ
ajbmeb-2964	46	6	companies	company	NOUN
ajbmeb-2964	46	7	is	be	AUX
ajbmeb-2964	46	8	to	to	PART
ajbmeb-2964	46	9	provide	provide	VERB
ajbmeb-2964	46	10	microloans	microloan	NOUN
ajbmeb-2964	46	11	to	to	ADP
ajbmeb-2964	46	12	the	the	DET
ajbmeb-2964	46	13	population	population	NOUN
ajbmeb-2964	46	14	and	and	CCONJ
ajbmeb-2964	46	15	entrepreneurs	entrepreneur	NOUN
ajbmeb-2964	46	16	.	.	PUNCT
ajbmeb-2964	47	1	financial	financial	ADJ
ajbmeb-2964	47	2	companies	company	NOUN
ajbmeb-2964	47	3	provide	provide	VERB
ajbmeb-2964	47	4	these	these	DET
ajbmeb-2964	47	5	services	service	NOUN
ajbmeb-2964	47	6	in	in	ADP
ajbmeb-2964	47	7	the	the	DET
ajbmeb-2964	47	8	form	form	NOUN
ajbmeb-2964	47	9	of	of	ADP
ajbmeb-2964	47	10	consumer	consumer	NOUN
ajbmeb-2964	47	11	credit	credit	NOUN
ajbmeb-2964	47	12	,	,	PUNCT
ajbmeb-2964	47	13	production	production	NOUN
ajbmeb-2964	47	14	credit	credit	NOUN
ajbmeb-2964	47	15	,	,	PUNCT
ajbmeb-2964	47	16	and	and	CCONJ
ajbmeb-2964	47	17	mortgage	mortgage	NOUN
ajbmeb-2964	47	18	financing	financing	NOUN
ajbmeb-2964	47	19	.	.	PUNCT
ajbmeb-2964	48	1	fund	fund	NOUN
ajbmeb-2964	48	2	institutions	institution	NOUN
ajbmeb-2964	48	3	,	,	PUNCT
ajbmeb-2964	48	4	in	in	ADP
ajbmeb-2964	48	5	turn	turn	NOUN
ajbmeb-2964	48	6	,	,	PUNCT
ajbmeb-2964	48	7	are	be	AUX
ajbmeb-2964	48	8	divided	divide	VERB
ajbmeb-2964	48	9	into	into	ADP
ajbmeb-2964	48	10	two	two	NUM
ajbmeb-2964	48	11	groups	group	NOUN
ajbmeb-2964	48	12	.	.	PUNCT
ajbmeb-2964	49	1	the	the	DET
ajbmeb-2964	49	2	first	first	ADJ
ajbmeb-2964	49	3	group	group	NOUN
ajbmeb-2964	49	4	includes	include	VERB
ajbmeb-2964	49	5	savings	saving	NOUN
ajbmeb-2964	49	6	associations	association	NOUN
ajbmeb-2964	49	7	,	,	PUNCT
ajbmeb-2964	49	8	and	and	CCONJ
ajbmeb-2964	49	9	the	the	DET
ajbmeb-2964	49	10	second	second	ADJ
ajbmeb-2964	49	11	group	group	NOUN
ajbmeb-2964	49	12	includes	include	VERB
ajbmeb-2964	49	13	savings	saving	NOUN
ajbmeb-2964	49	14	banks	bank	NOUN
ajbmeb-2964	49	15	.	.	PUNCT
ajbmeb-2964	50	1	while	while	SCONJ
ajbmeb-2964	50	2	microfinance	microfinance	NOUN
ajbmeb-2964	50	3	organizations	organization	NOUN
ajbmeb-2964	50	4	developed	develop	VERB
ajbmeb-2964	50	5	in	in	ADP
ajbmeb-2964	50	6	the	the	DET
ajbmeb-2964	50	7	usa	usa	PROPN
ajbmeb-2964	50	8	from	from	ADP
ajbmeb-2964	50	9	1800	1800	NUM
ajbmeb-2964	50	10	,	,	PUNCT
ajbmeb-2964	50	11	their	their	PRON
ajbmeb-2964	50	12	number	number	NOUN
ajbmeb-2964	50	13	exceeded	exceed	VERB
ajbmeb-2964	50	14	750	750	NUM
ajbmeb-2964	50	15	in	in	ADP
ajbmeb-2964	50	16	the	the	DET
ajbmeb-2964	50	17	1880s	1880	NOUN
ajbmeb-2964	50	18	.	.	PUNCT
ajbmeb-2964	51	1	in	in	ADP
ajbmeb-2964	51	2	1986	1986	NUM
ajbmeb-2964	51	3	-	-	SYM
ajbmeb-2964	51	4	1992	1992	NUM
ajbmeb-2964	51	5	,	,	PUNCT
ajbmeb-2964	51	6	as	as	ADP
ajbmeb-2964	51	7	a	a	DET
ajbmeb-2964	51	8	result	result	NOUN
ajbmeb-2964	51	9	of	of	ADP
ajbmeb-2964	51	10	the	the	DET
ajbmeb-2964	51	11	bankruptcy	bankruptcy	NOUN
ajbmeb-2964	51	12	of	of	ADP
ajbmeb-2964	51	13	most	most	ADJ
ajbmeb-2964	51	14	of	of	ADP
ajbmeb-2964	51	15	them	they	PRON
ajbmeb-2964	51	16	,	,	PUNCT
ajbmeb-2964	51	17	about	about	ADV
ajbmeb-2964	51	18	100	100	NUM
ajbmeb-2964	51	19	remained	remain	VERB
ajbmeb-2964	51	20	,	,	PUNCT
ajbmeb-2964	51	21	while	while	SCONJ
ajbmeb-2964	51	22	they	they	PRON
ajbmeb-2964	51	23	merged	merge	VERB
ajbmeb-2964	51	24	with	with	ADP
ajbmeb-2964	51	25	each	each	DET
ajbmeb-2964	51	26	other	other	ADJ
ajbmeb-2964	51	27	and	and	CCONJ
ajbmeb-2964	51	28	began	begin	VERB
ajbmeb-2964	51	29	new	new	ADJ
ajbmeb-2964	51	30	activities	activity	NOUN
ajbmeb-2964	51	31	.	.	PUNCT
ajbmeb-2964	52	1	analysis	analysis	NOUN
ajbmeb-2964	52	2	and	and	CCONJ
ajbmeb-2964	52	3	results	result	VERB
ajbmeb-2964	52	4	the	the	DET
ajbmeb-2964	52	5	results	result	NOUN
ajbmeb-2964	52	6	of	of	ADP
ajbmeb-2964	52	7	the	the	DET
ajbmeb-2964	52	8	research	research	NOUN
ajbmeb-2964	52	9	show	show	VERB
ajbmeb-2964	52	10	that	that	SCONJ
ajbmeb-2964	52	11	microfinance	microfinance	NOUN
ajbmeb-2964	52	12	organizations	organization	NOUN
ajbmeb-2964	52	13	were	be	AUX
ajbmeb-2964	52	14	formed	form	VERB
ajbmeb-2964	52	15	and	and	CCONJ
ajbmeb-2964	52	16	developed	develop	VERB
ajbmeb-2964	52	17	on	on	ADP
ajbmeb-2964	52	18	the	the	DET
ajbmeb-2964	52	19	continents	continent	NOUN
ajbmeb-2964	52	20	and	and	CCONJ
ajbmeb-2964	52	21	in	in	ADP
ajbmeb-2964	52	22	countries	country	NOUN
ajbmeb-2964	52	23	of	of	ADP
ajbmeb-2964	52	24	the	the	DET
ajbmeb-2964	52	25	world	world	NOUN
ajbmeb-2964	52	26	under	under	ADP
ajbmeb-2964	52	27	the	the	DET
ajbmeb-2964	52	28	influence	influence	NOUN
ajbmeb-2964	52	29	of	of	ADP
ajbmeb-2964	52	30	specific	specific	ADJ
ajbmeb-2964	52	31	features	feature	NOUN
ajbmeb-2964	52	32	and	and	CCONJ
ajbmeb-2964	52	33	various	various	ADJ
ajbmeb-2964	52	34	factors	factor	NOUN
ajbmeb-2964	52	35	.	.	PUNCT
ajbmeb-2964	53	1	based	base	VERB
ajbmeb-2964	53	2	on	on	ADP
ajbmeb-2964	53	3	the	the	DET
ajbmeb-2964	53	4	conducted	conduct	VERB
ajbmeb-2964	53	5	research	research	NOUN
ajbmeb-2964	53	6	and	and	CCONJ
ajbmeb-2964	53	7	studies	study	NOUN
ajbmeb-2964	53	8	,	,	PUNCT
ajbmeb-2964	53	9	we	we	PRON
ajbmeb-2964	53	10	will	will	AUX
ajbmeb-2964	53	11	try	try	VERB
ajbmeb-2964	53	12	to	to	PART
ajbmeb-2964	53	13	express	express	VERB
ajbmeb-2964	53	14	the	the	DET
ajbmeb-2964	53	15	process	process	NOUN
ajbmeb-2964	53	16	of	of	ADP
ajbmeb-2964	53	17	their	their	PRON
ajbmeb-2964	53	18	organization	organization	NOUN
ajbmeb-2964	53	19	and	and	CCONJ
ajbmeb-2964	53	20	development	development	NOUN
ajbmeb-2964	53	21	in	in	ADP
ajbmeb-2964	53	22	the	the	DET
ajbmeb-2964	53	23	following	following	ADJ
ajbmeb-2964	53	24	basic	basic	ADJ
ajbmeb-2964	53	25	principles	principle	NOUN
ajbmeb-2964	53	26	.	.	PUNCT
ajbmeb-2964	54	1	microloans	microloan	NOUN
ajbmeb-2964	54	2	provide	provide	VERB
ajbmeb-2964	54	3	an	an	DET
ajbmeb-2964	54	4	opportunity	opportunity	NOUN
ajbmeb-2964	54	5	to	to	PART
ajbmeb-2964	54	6	reduce	reduce	VERB
ajbmeb-2964	54	7	poverty	poverty	NOUN
ajbmeb-2964	54	8	in	in	ADP
ajbmeb-2964	54	9	poor	poor	ADJ
ajbmeb-2964	54	10	countries	country	NOUN
ajbmeb-2964	54	11	,	,	PUNCT
ajbmeb-2964	54	12	and	and	CCONJ
ajbmeb-2964	54	13	in	in	SCONJ
ajbmeb-2964	54	14	developed	developed	ADJ
ajbmeb-2964	54	15	and	and	CCONJ
ajbmeb-2964	54	16	developing	develop	VERB
ajbmeb-2964	54	17	countries	country	NOUN
ajbmeb-2964	54	18	to	to	PART
ajbmeb-2964	54	19	increase	increase	VERB
ajbmeb-2964	54	20	profits	profit	NOUN
ajbmeb-2964	54	21	and	and	CCONJ
ajbmeb-2964	54	22	create	create	VERB
ajbmeb-2964	54	23	additional	additional	ADJ
ajbmeb-2964	54	24	jobs	job	NOUN
ajbmeb-2964	54	25	.	.	PUNCT
ajbmeb-2964	55	1	indeed	indeed	ADV
ajbmeb-2964	55	2	,	,	PUNCT
ajbmeb-2964	55	3	in	in	ADP
ajbmeb-2964	55	4	many	many	ADJ
ajbmeb-2964	55	5	countries	country	NOUN
ajbmeb-2964	55	6	of	of	ADP
ajbmeb-2964	55	7	the	the	DET
ajbmeb-2964	55	8	world	world	NOUN
ajbmeb-2964	55	9	,	,	PUNCT
ajbmeb-2964	55	10	the	the	DET
ajbmeb-2964	55	11	main	main	ADJ
ajbmeb-2964	55	12	segments	segment	NOUN
ajbmeb-2964	55	13	of	of	ADP
ajbmeb-2964	55	14	the	the	DET
ajbmeb-2964	55	15	population	population	NOUN
ajbmeb-2964	55	16	did	do	AUX
ajbmeb-2964	55	17	not	not	PART
ajbmeb-2964	55	18	have	have	VERB
ajbmeb-2964	55	19	sufficient	sufficient	ADJ
ajbmeb-2964	55	20	opportunities	opportunity	NOUN
ajbmeb-2964	55	21	to	to	PART
ajbmeb-2964	55	22	meet	meet	VERB
ajbmeb-2964	55	23	their	their	PRON
ajbmeb-2964	55	24	demand	demand	NOUN
ajbmeb-2964	55	25	for	for	ADP
ajbmeb-2964	55	26	financial	financial	ADJ
ajbmeb-2964	55	27	resources	resource	NOUN
ajbmeb-2964	55	28	and	and	CCONJ
ajbmeb-2964	55	29	free	free	ADJ
ajbmeb-2964	55	30	access	access	NOUN
ajbmeb-2964	55	31	to	to	ADP
ajbmeb-2964	55	32	financial	financial	ADJ
ajbmeb-2964	55	33	services	service	NOUN
ajbmeb-2964	55	34	,	,	PUNCT
ajbmeb-2964	55	35	and	and	CCONJ
ajbmeb-2964	55	36	this	this	DET
ajbmeb-2964	55	37	process	process	NOUN
ajbmeb-2964	55	38	was	be	AUX
ajbmeb-2964	55	39	a	a	DET
ajbmeb-2964	55	40	powerful	powerful	ADJ
ajbmeb-2964	55	41	impetus	impetus	NOUN
ajbmeb-2964	55	42	for	for	ADP
ajbmeb-2964	55	43	the	the	DET
ajbmeb-2964	55	44	creation	creation	NOUN
ajbmeb-2964	55	45	and	and	CCONJ
ajbmeb-2964	55	46	development	development	NOUN
ajbmeb-2964	55	47	of	of	ADP
ajbmeb-2964	55	48	microfinance	microfinance	NOUN
ajbmeb-2964	55	49	organizations	organization	NOUN
ajbmeb-2964	55	50	.	.	PUNCT
ajbmeb-2964	56	1	in	in	ADP
ajbmeb-2964	56	2	developed	develop	VERB
ajbmeb-2964	56	3	countries	country	NOUN
ajbmeb-2964	56	4	,	,	PUNCT
ajbmeb-2964	56	5	it	it	PRON
ajbmeb-2964	56	6	can	can	AUX
ajbmeb-2964	56	7	be	be	AUX
ajbmeb-2964	56	8	recognized	recognize	VERB
ajbmeb-2964	56	9	that	that	SCONJ
ajbmeb-2964	56	10	it	it	PRON
ajbmeb-2964	56	11	was	be	AUX
ajbmeb-2964	56	12	created	create	VERB
ajbmeb-2964	56	13	for	for	ADP
ajbmeb-2964	56	14	the	the	DET
ajbmeb-2964	56	15	purpose	purpose	NOUN
ajbmeb-2964	56	16	of	of	ADP
ajbmeb-2964	56	17	efficient	efficient	ADJ
ajbmeb-2964	56	18	use	use	NOUN
ajbmeb-2964	56	19	of	of	ADP
ajbmeb-2964	56	20	financial	financial	ADJ
ajbmeb-2964	56	21	resources	resource	NOUN
ajbmeb-2964	56	22	,	,	PUNCT
ajbmeb-2964	56	23	creation	creation	NOUN
ajbmeb-2964	56	24	of	of	ADP
ajbmeb-2964	56	25	additional	additional	ADJ
ajbmeb-2964	56	26	jobs	job	NOUN
ajbmeb-2964	56	27	,	,	PUNCT
ajbmeb-2964	56	28	and	and	CCONJ
ajbmeb-2964	56	29	profit	profit	NOUN
ajbmeb-2964	56	30	.	.	PUNCT
ajbmeb-2964	57	1	reducing	reduce	VERB
ajbmeb-2964	57	2	the	the	DET
ajbmeb-2964	57	3	country	country	NOUN
ajbmeb-2964	57	4	's	's	PART
ajbmeb-2964	57	5	population	population	NOUN
ajbmeb-2964	57	6	from	from	ADP
ajbmeb-2964	57	7	poverty	poverty	NOUN
ajbmeb-2964	57	8	and	and	CCONJ
ajbmeb-2964	57	9	increasing	increase	VERB
ajbmeb-2964	57	10	their	their	PRON
ajbmeb-2964	57	11	solvency	solvency	NOUN
ajbmeb-2964	57	12	.	.	PUNCT
ajbmeb-2964	58	1	it	it	PRON
ajbmeb-2964	58	2	should	should	AUX
ajbmeb-2964	58	3	be	be	AUX
ajbmeb-2964	58	4	noted	note	VERB
ajbmeb-2964	58	5	that	that	SCONJ
ajbmeb-2964	58	6	the	the	DET
ajbmeb-2964	58	7	economic	economic	ADJ
ajbmeb-2964	58	8	insolvency	insolvency	NOUN
ajbmeb-2964	58	9	and	and	CCONJ
ajbmeb-2964	58	10	weakness	weakness	NOUN
ajbmeb-2964	58	11	of	of	ADP
ajbmeb-2964	58	12	the	the	DET
ajbmeb-2964	58	13	country	country	NOUN
ajbmeb-2964	58	14	's	's	PART
ajbmeb-2964	58	15	population	population	NOUN
ajbmeb-2964	58	16	's	's	PART
ajbmeb-2964	58	17	solvency	solvency	NOUN
ajbmeb-2964	58	18	lead	lead	NOUN
ajbmeb-2964	58	19	to	to	ADP
ajbmeb-2964	58	20	a	a	DET
ajbmeb-2964	58	21	number	number	NOUN
ajbmeb-2964	58	22	of	of	ADP
ajbmeb-2964	58	23	problematic	problematic	ADJ
ajbmeb-2964	58	24	situations	situation	NOUN
ajbmeb-2964	58	25	.	.	PUNCT
ajbmeb-2964	59	1	in	in	ADP
ajbmeb-2964	59	2	particular	particular	ADJ
ajbmeb-2964	59	3	,	,	PUNCT
ajbmeb-2964	59	4	the	the	DET
ajbmeb-2964	59	5	development	development	NOUN
ajbmeb-2964	59	6	of	of	ADP
ajbmeb-2964	59	7	social	social	ADJ
ajbmeb-2964	59	8	problems	problem	NOUN
ajbmeb-2964	59	9	in	in	ADP
ajbmeb-2964	59	10	the	the	DET
ajbmeb-2964	59	11	country	country	NOUN
ajbmeb-2964	59	12	,	,	PUNCT
ajbmeb-2964	59	13	such	such	ADJ
ajbmeb-2964	59	14	as	as	ADP
ajbmeb-2964	59	15	crime	crime	NOUN
ajbmeb-2964	59	16	,	,	PUNCT
ajbmeb-2964	59	17	robbery	robbery	NOUN
ajbmeb-2964	59	18	,	,	PUNCT
ajbmeb-2964	59	19	destruction	destruction	NOUN
ajbmeb-2964	59	20	,	,	PUNCT
ajbmeb-2964	59	21	and	and	CCONJ
ajbmeb-2964	59	22	the	the	DET
ajbmeb-2964	59	23	stable	stable	ADJ
ajbmeb-2964	59	24	growth	growth	NOUN
ajbmeb-2964	59	25	of	of	ADP
ajbmeb-2964	59	26	the	the	DET
ajbmeb-2964	59	27	country	country	NOUN
ajbmeb-2964	59	28	's	's	PART
ajbmeb-2964	59	29	economy	economy	NOUN
ajbmeb-2964	59	30	at	at	ADP
ajbmeb-2964	59	31	the	the	DET
ajbmeb-2964	59	32	macroeconomic	macroeconomic	ADJ
ajbmeb-2964	59	33	level	level	NOUN
ajbmeb-2964	59	34	create	create	VERB
ajbmeb-2964	59	35	contradictions	contradiction	NOUN
ajbmeb-2964	59	36	.	.	PUNCT
ajbmeb-2964	60	1	in	in	ADP
ajbmeb-2964	60	2	addition	addition	NOUN
ajbmeb-2964	60	3	,	,	PUNCT
ajbmeb-2964	60	4	low	low	ADJ
ajbmeb-2964	60	5	solvency	solvency	NOUN
ajbmeb-2964	60	6	of	of	ADP
ajbmeb-2964	60	7	the	the	DET
ajbmeb-2964	60	8	population	population	NOUN
ajbmeb-2964	60	9	causes	cause	VERB
ajbmeb-2964	60	10	a	a	DET
ajbmeb-2964	60	11	problem	problem	NOUN
ajbmeb-2964	60	12	associated	associate	VERB
ajbmeb-2964	60	13	with	with	ADP
ajbmeb-2964	60	14	a	a	DET
ajbmeb-2964	60	15	decrease	decrease	NOUN
ajbmeb-2964	60	16	in	in	ADP
ajbmeb-2964	60	17	aggregate	aggregate	ADJ
ajbmeb-2964	60	18	demand	demand	NOUN
ajbmeb-2964	60	19	and	and	CCONJ
ajbmeb-2964	60	20	its	its	PRON
ajbmeb-2964	60	21	vulnerability	vulnerability	NOUN
ajbmeb-2964	60	22	.	.	PUNCT
ajbmeb-2964	61	1	this	this	PRON
ajbmeb-2964	61	2	,	,	PUNCT
ajbmeb-2964	61	3	in	in	ADP
ajbmeb-2964	61	4	turn	turn	NOUN
ajbmeb-2964	61	5	,	,	PUNCT
ajbmeb-2964	61	6	leads	lead	VERB
ajbmeb-2964	61	7	to	to	ADP
ajbmeb-2964	61	8	the	the	DET
ajbmeb-2964	61	9	balanced	balanced	ADJ
ajbmeb-2964	61	10	development	development	NOUN
ajbmeb-2964	61	11	of	of	ADP
ajbmeb-2964	61	12	the	the	DET
ajbmeb-2964	61	13	american	american	PROPN
ajbmeb-2964	61	14	journal	journal	PROPN
ajbmeb-2964	61	15	of	of	ADP
ajbmeb-2964	61	16	business	business	NOUN
ajbmeb-2964	61	17	management	management	NOUN
ajbmeb-2964	61	18	,	,	PUNCT
ajbmeb-2964	61	19	economics	economic	NOUN
ajbmeb-2964	61	20	and	and	CCONJ
ajbmeb-2964	61	21	banking	banking	NOUN
ajbmeb-2964	61	22	volume	volume	NOUN
ajbmeb-2964	61	23	36	36	NUM
ajbmeb-2964	61	24	may2025	may2025	NOUN
ajbmeb-2964	61	25	p	p	NOUN
ajbmeb-2964	61	26	a	a	DET
ajbmeb-2964	61	27	g	g	NOUN
ajbmeb-2964	61	28	e	e	NOUN
ajbmeb-2964	61	29	|	|	ADV
ajbmeb-2964	61	30	106	106	NUM
ajbmeb-2964	61	31	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2964	61	32	country	country	NOUN
ajbmeb-2964	61	33	's	's	PART
ajbmeb-2964	61	34	production	production	NOUN
ajbmeb-2964	61	35	and	and	CCONJ
ajbmeb-2964	61	36	,	,	PUNCT
ajbmeb-2964	61	37	ultimately	ultimately	ADV
ajbmeb-2964	61	38	,	,	PUNCT
ajbmeb-2964	61	39	to	to	ADP
ajbmeb-2964	61	40	problems	problem	NOUN
ajbmeb-2964	61	41	with	with	ADP
ajbmeb-2964	61	42	the	the	DET
ajbmeb-2964	61	43	state	state	NOUN
ajbmeb-2964	61	44	of	of	ADP
ajbmeb-2964	61	45	infrastructure	infrastructure	NOUN
ajbmeb-2964	61	46	in	in	ADP
ajbmeb-2964	61	47	the	the	DET
ajbmeb-2964	61	48	regions	region	NOUN
ajbmeb-2964	61	49	.	.	PUNCT
ajbmeb-2964	62	1	microfinance	microfinance	NOUN
ajbmeb-2964	62	2	organizations	organization	NOUN
ajbmeb-2964	62	3	are	be	AUX
ajbmeb-2964	62	4	an	an	DET
ajbmeb-2964	62	5	important	important	ADJ
ajbmeb-2964	62	6	financial	financial	ADJ
ajbmeb-2964	62	7	mechanism	mechanism	NOUN
ajbmeb-2964	62	8	for	for	ADP
ajbmeb-2964	62	9	poverty	poverty	NOUN
ajbmeb-2964	62	10	reduction	reduction	NOUN
ajbmeb-2964	62	11	in	in	ADP
ajbmeb-2964	62	12	the	the	DET
ajbmeb-2964	62	13	country	country	NOUN
ajbmeb-2964	62	14	.	.	PUNCT
ajbmeb-2964	63	1	an	an	DET
ajbmeb-2964	63	2	important	important	ADJ
ajbmeb-2964	63	3	convenience	convenience	NOUN
ajbmeb-2964	63	4	and	and	CCONJ
ajbmeb-2964	63	5	advantage	advantage	NOUN
ajbmeb-2964	63	6	of	of	ADP
ajbmeb-2964	63	7	microfinance	microfinance	NOUN
ajbmeb-2964	63	8	organizations	organization	NOUN
ajbmeb-2964	63	9	increases	increase	VERB
ajbmeb-2964	63	10	the	the	DET
ajbmeb-2964	63	11	population	population	NOUN
ajbmeb-2964	63	12	's	's	PART
ajbmeb-2964	63	13	access	access	NOUN
ajbmeb-2964	63	14	to	to	ADP
ajbmeb-2964	63	15	financial	financial	ADJ
ajbmeb-2964	63	16	resources	resource	NOUN
ajbmeb-2964	63	17	,	,	PUNCT
ajbmeb-2964	63	18	which	which	PRON
ajbmeb-2964	63	19	in	in	ADP
ajbmeb-2964	63	20	itself	itself	PRON
ajbmeb-2964	63	21	allows	allow	VERB
ajbmeb-2964	63	22	them	they	PRON
ajbmeb-2964	63	23	to	to	PART
ajbmeb-2964	63	24	comprehensively	comprehensively	ADV
ajbmeb-2964	63	25	eliminate	eliminate	VERB
ajbmeb-2964	63	26	their	their	PRON
ajbmeb-2964	63	27	problems	problem	NOUN
ajbmeb-2964	63	28	related	relate	VERB
ajbmeb-2964	63	29	to	to	ADP
ajbmeb-2964	63	30	financial	financial	ADJ
ajbmeb-2964	63	31	issues	issue	NOUN
ajbmeb-2964	63	32	.	.	PUNCT
ajbmeb-2964	64	1	persons	person	NOUN
ajbmeb-2964	64	2	who	who	PRON
ajbmeb-2964	64	3	have	have	AUX
ajbmeb-2964	64	4	received	receive	VERB
ajbmeb-2964	64	5	a	a	DET
ajbmeb-2964	64	6	loan	loan	NOUN
ajbmeb-2964	64	7	from	from	ADP
ajbmeb-2964	64	8	a	a	DET
ajbmeb-2964	64	9	microfinance	microfinance	NOUN
ajbmeb-2964	64	10	organization	organization	NOUN
ajbmeb-2964	64	11	in	in	ADP
ajbmeb-2964	64	12	the	the	DET
ajbmeb-2964	64	13	form	form	NOUN
ajbmeb-2964	64	14	of	of	ADP
ajbmeb-2964	64	15	a	a	DET
ajbmeb-2964	64	16	microloan	microloan	NOUN
ajbmeb-2964	64	17	,	,	PUNCT
ajbmeb-2964	64	18	firstly	firstly	ADV
ajbmeb-2964	64	19	,	,	PUNCT
ajbmeb-2964	64	20	think	think	VERB
ajbmeb-2964	64	21	about	about	ADP
ajbmeb-2964	64	22	the	the	DET
ajbmeb-2964	64	23	issue	issue	NOUN
ajbmeb-2964	64	24	of	of	ADP
ajbmeb-2964	64	25	its	its	PRON
ajbmeb-2964	64	26	repayment	repayment	NOUN
ajbmeb-2964	64	27	,	,	PUNCT
ajbmeb-2964	64	28	and	and	CCONJ
ajbmeb-2964	64	29	secondly	secondly	ADV
ajbmeb-2964	64	30	,	,	PUNCT
ajbmeb-2964	64	31	have	have	VERB
ajbmeb-2964	64	32	the	the	DET
ajbmeb-2964	64	33	opportunity	opportunity	NOUN
ajbmeb-2964	64	34	to	to	PART
ajbmeb-2964	64	35	improve	improve	VERB
ajbmeb-2964	64	36	their	their	PRON
ajbmeb-2964	64	37	lifestyle	lifestyle	NOUN
ajbmeb-2964	64	38	and	and	CCONJ
ajbmeb-2964	64	39	increase	increase	VERB
ajbmeb-2964	64	40	their	their	PRON
ajbmeb-2964	64	41	financial	financial	ADJ
ajbmeb-2964	64	42	responsibility	responsibility	NOUN
ajbmeb-2964	64	43	.	.	PUNCT
ajbmeb-2964	65	1	increasing	increase	VERB
ajbmeb-2964	65	2	and	and	CCONJ
ajbmeb-2964	65	3	strengthening	strengthen	VERB
ajbmeb-2964	65	4	the	the	DET
ajbmeb-2964	65	5	stability	stability	NOUN
ajbmeb-2964	65	6	of	of	ADP
ajbmeb-2964	65	7	the	the	DET
ajbmeb-2964	65	8	local	local	ADJ
ajbmeb-2964	65	9	financial	financial	ADJ
ajbmeb-2964	65	10	and	and	CCONJ
ajbmeb-2964	65	11	credit	credit	NOUN
ajbmeb-2964	65	12	system	system	NOUN
ajbmeb-2964	65	13	and	and	CCONJ
ajbmeb-2964	65	14	ensuring	ensure	VERB
ajbmeb-2964	65	15	the	the	DET
ajbmeb-2964	65	16	strength	strength	NOUN
ajbmeb-2964	65	17	of	of	ADP
ajbmeb-2964	65	18	the	the	DET
ajbmeb-2964	65	19	national	national	ADJ
ajbmeb-2964	65	20	currency	currency	NOUN
ajbmeb-2964	65	21	.	.	PUNCT
ajbmeb-2964	66	1	certainly	certainly	ADV
ajbmeb-2964	66	2	,	,	PUNCT
ajbmeb-2964	66	3	microfinance	microfinance	NOUN
ajbmeb-2964	66	4	organizations	organization	NOUN
ajbmeb-2964	66	5	serve	serve	VERB
ajbmeb-2964	66	6	as	as	ADP
ajbmeb-2964	66	7	an	an	DET
ajbmeb-2964	66	8	important	important	ADJ
ajbmeb-2964	66	9	financial	financial	ADJ
ajbmeb-2964	66	10	link	link	NOUN
ajbmeb-2964	66	11	in	in	ADP
ajbmeb-2964	66	12	increasing	increase	VERB
ajbmeb-2964	66	13	the	the	DET
ajbmeb-2964	66	14	stability	stability	NOUN
ajbmeb-2964	66	15	of	of	ADP
ajbmeb-2964	66	16	the	the	DET
ajbmeb-2964	66	17	country	country	NOUN
ajbmeb-2964	66	18	's	's	PART
ajbmeb-2964	66	19	financial	financial	ADJ
ajbmeb-2964	66	20	and	and	CCONJ
ajbmeb-2964	66	21	credit	credit	NOUN
ajbmeb-2964	66	22	system	system	NOUN
ajbmeb-2964	66	23	by	by	ADP
ajbmeb-2964	66	24	attracting	attract	VERB
ajbmeb-2964	66	25	temporarily	temporarily	ADV
ajbmeb-2964	66	26	unused	unused	ADJ
ajbmeb-2964	66	27	funds	fund	NOUN
ajbmeb-2964	66	28	in	in	ADP
ajbmeb-2964	66	29	the	the	DET
ajbmeb-2964	66	30	economy	economy	NOUN
ajbmeb-2964	66	31	on	on	ADP
ajbmeb-2964	66	32	appropriate	appropriate	ADJ
ajbmeb-2964	66	33	terms	term	NOUN
ajbmeb-2964	66	34	and	and	CCONJ
ajbmeb-2964	66	35	providing	provide	VERB
ajbmeb-2964	66	36	them	they	PRON
ajbmeb-2964	66	37	to	to	ADP
ajbmeb-2964	66	38	persons	person	NOUN
ajbmeb-2964	66	39	in	in	ADP
ajbmeb-2964	66	40	need	need	NOUN
ajbmeb-2964	66	41	of	of	ADP
ajbmeb-2964	66	42	these	these	DET
ajbmeb-2964	66	43	funds	fund	NOUN
ajbmeb-2964	66	44	.	.	PUNCT
ajbmeb-2964	67	1	in	in	ADP
ajbmeb-2964	67	2	addition	addition	NOUN
ajbmeb-2964	67	3	,	,	PUNCT
ajbmeb-2964	67	4	the	the	DET
ajbmeb-2964	67	5	placement	placement	NOUN
ajbmeb-2964	67	6	of	of	ADP
ajbmeb-2964	67	7	temporary	temporary	ADJ
ajbmeb-2964	67	8	funds	fund	NOUN
ajbmeb-2964	67	9	of	of	ADP
ajbmeb-2964	67	10	the	the	DET
ajbmeb-2964	67	11	population	population	NOUN
ajbmeb-2964	67	12	in	in	ADP
ajbmeb-2964	67	13	production	production	NOUN
ajbmeb-2964	67	14	based	base	VERB
ajbmeb-2964	67	15	on	on	ADP
ajbmeb-2964	67	16	redistribution	redistribution	NOUN
ajbmeb-2964	67	17	,	,	PUNCT
ajbmeb-2964	67	18	firstly	firstly	ADV
ajbmeb-2964	67	19	,	,	PUNCT
ajbmeb-2964	67	20	increases	increase	VERB
ajbmeb-2964	67	21	the	the	DET
ajbmeb-2964	67	22	circulation	circulation	NOUN
ajbmeb-2964	67	23	of	of	ADP
ajbmeb-2964	67	24	the	the	DET
ajbmeb-2964	67	25	national	national	ADJ
ajbmeb-2964	67	26	currency	currency	NOUN
ajbmeb-2964	67	27	and	and	CCONJ
ajbmeb-2964	67	28	the	the	DET
ajbmeb-2964	67	29	volume	volume	NOUN
ajbmeb-2964	67	30	of	of	ADP
ajbmeb-2964	67	31	local	local	ADJ
ajbmeb-2964	67	32	production	production	NOUN
ajbmeb-2964	67	33	,	,	PUNCT
ajbmeb-2964	67	34	and	and	CCONJ
ajbmeb-2964	67	35	secondly	secondly	ADV
ajbmeb-2964	67	36	,	,	PUNCT
ajbmeb-2964	67	37	increases	increase	VERB
ajbmeb-2964	67	38	public	public	ADJ
ajbmeb-2964	67	39	confidence	confidence	NOUN
ajbmeb-2964	67	40	in	in	ADP
ajbmeb-2964	67	41	the	the	DET
ajbmeb-2964	67	42	country	country	NOUN
ajbmeb-2964	67	43	's	's	PART
ajbmeb-2964	67	44	financial	financial	ADJ
ajbmeb-2964	67	45	and	and	CCONJ
ajbmeb-2964	67	46	credit	credit	NOUN
ajbmeb-2964	67	47	system	system	NOUN
ajbmeb-2964	67	48	,	,	PUNCT
ajbmeb-2964	67	49	positively	positively	ADV
ajbmeb-2964	67	50	affects	affect	VERB
ajbmeb-2964	67	51	the	the	DET
ajbmeb-2964	67	52	strength	strength	NOUN
ajbmeb-2964	67	53	of	of	ADP
ajbmeb-2964	67	54	the	the	DET
ajbmeb-2964	67	55	national	national	ADJ
ajbmeb-2964	67	56	currency	currency	NOUN
ajbmeb-2964	67	57	.	.	PUNCT
ajbmeb-2964	68	1	microfinance	microfinance	NOUN
ajbmeb-2964	68	2	organizations	organization	NOUN
ajbmeb-2964	68	3	do	do	AUX
ajbmeb-2964	68	4	not	not	PART
ajbmeb-2964	68	5	have	have	VERB
ajbmeb-2964	68	6	the	the	DET
ajbmeb-2964	68	7	opportunity	opportunity	NOUN
ajbmeb-2964	68	8	to	to	PART
ajbmeb-2964	68	9	implement	implement	VERB
ajbmeb-2964	68	10	solutions	solution	NOUN
ajbmeb-2964	68	11	to	to	ADP
ajbmeb-2964	68	12	large	large	ADJ
ajbmeb-2964	68	13	and	and	CCONJ
ajbmeb-2964	68	14	multifaceted	multifaceted	ADJ
ajbmeb-2964	68	15	issues	issue	NOUN
ajbmeb-2964	68	16	.	.	PUNCT
ajbmeb-2964	69	1	indeed	indeed	ADV
ajbmeb-2964	69	2	,	,	PUNCT
ajbmeb-2964	69	3	if	if	SCONJ
ajbmeb-2964	69	4	we	we	PRON
ajbmeb-2964	69	5	look	look	VERB
ajbmeb-2964	69	6	closely	closely	ADV
ajbmeb-2964	69	7	at	at	ADP
ajbmeb-2964	69	8	the	the	DET
ajbmeb-2964	69	9	purpose	purpose	NOUN
ajbmeb-2964	69	10	of	of	ADP
ajbmeb-2964	69	11	creating	create	VERB
ajbmeb-2964	69	12	microfinance	microfinance	NOUN
ajbmeb-2964	69	13	organizations	organization	NOUN
ajbmeb-2964	69	14	and	and	CCONJ
ajbmeb-2964	69	15	their	their	PRON
ajbmeb-2964	69	16	activities	activity	NOUN
ajbmeb-2964	69	17	,	,	PUNCT
ajbmeb-2964	69	18	they	they	PRON
ajbmeb-2964	69	19	do	do	AUX
ajbmeb-2964	69	20	not	not	PART
ajbmeb-2964	69	21	have	have	VERB
ajbmeb-2964	69	22	the	the	DET
ajbmeb-2964	69	23	opportunity	opportunity	NOUN
ajbmeb-2964	69	24	to	to	PART
ajbmeb-2964	69	25	provide	provide	VERB
ajbmeb-2964	69	26	large	large	ADJ
ajbmeb-2964	69	27	-	-	PUNCT
ajbmeb-2964	69	28	scale	scale	NOUN
ajbmeb-2964	69	29	loans	loan	NOUN
ajbmeb-2964	69	30	for	for	ADP
ajbmeb-2964	69	31	large	large	ADJ
ajbmeb-2964	69	32	-	-	PUNCT
ajbmeb-2964	69	33	scale	scale	NOUN
ajbmeb-2964	69	34	production	production	NOUN
ajbmeb-2964	69	35	and	and	CCONJ
ajbmeb-2964	69	36	for	for	ADP
ajbmeb-2964	69	37	all	all	DET
ajbmeb-2964	69	38	purposes	purpose	NOUN
ajbmeb-2964	69	39	.	.	PUNCT
ajbmeb-2964	70	1	therefore	therefore	ADV
ajbmeb-2964	70	2	,	,	PUNCT
ajbmeb-2964	70	3	these	these	DET
ajbmeb-2964	70	4	financial	financial	ADJ
ajbmeb-2964	70	5	institutions	institution	NOUN
ajbmeb-2964	70	6	actively	actively	ADV
ajbmeb-2964	70	7	participate	participate	VERB
ajbmeb-2964	70	8	in	in	ADP
ajbmeb-2964	70	9	solving	solve	VERB
ajbmeb-2964	70	10	pressing	press	VERB
ajbmeb-2964	70	11	socio	socio	NOUN
ajbmeb-2964	70	12	-	-	PUNCT
ajbmeb-2964	70	13	economic	economic	ADJ
ajbmeb-2964	70	14	issues	issue	NOUN
ajbmeb-2964	70	15	at	at	ADP
ajbmeb-2964	70	16	the	the	DET
ajbmeb-2964	70	17	micro	micro	ADJ
ajbmeb-2964	70	18	level	level	NOUN
ajbmeb-2964	70	19	.	.	PUNCT
ajbmeb-2964	71	1	microfinance	microfinance	NOUN
ajbmeb-2964	71	2	organizations	organization	NOUN
ajbmeb-2964	71	3	offer	offer	VERB
ajbmeb-2964	71	4	clients	client	NOUN
ajbmeb-2964	71	5	relatively	relatively	ADV
ajbmeb-2964	71	6	expensive	expensive	ADJ
ajbmeb-2964	71	7	microloans	microloan	NOUN
ajbmeb-2964	71	8	.	.	PUNCT
ajbmeb-2964	72	1	the	the	DET
ajbmeb-2964	72	2	interest	interest	NOUN
ajbmeb-2964	72	3	rates	rate	NOUN
ajbmeb-2964	72	4	on	on	ADP
ajbmeb-2964	72	5	shortterm	shortterm	PROPN
ajbmeb-2964	72	6	and	and	CCONJ
ajbmeb-2964	72	7	short	short	ADJ
ajbmeb-2964	72	8	-	-	PUNCT
ajbmeb-2964	72	9	term	term	NOUN
ajbmeb-2964	72	10	microloans	microloan	NOUN
ajbmeb-2964	72	11	issued	issue	VERB
ajbmeb-2964	72	12	by	by	ADP
ajbmeb-2964	72	13	microfinance	microfinance	NOUN
ajbmeb-2964	72	14	organizations	organization	NOUN
ajbmeb-2964	72	15	are	be	AUX
ajbmeb-2964	72	16	higher	high	ADJ
ajbmeb-2964	72	17	than	than	ADP
ajbmeb-2964	72	18	the	the	DET
ajbmeb-2964	72	19	interest	interest	NOUN
ajbmeb-2964	72	20	rates	rate	NOUN
ajbmeb-2964	72	21	on	on	ADP
ajbmeb-2964	72	22	large	large	ADJ
ajbmeb-2964	72	23	loans	loan	NOUN
ajbmeb-2964	72	24	issued	issue	VERB
ajbmeb-2964	72	25	by	by	ADP
ajbmeb-2964	72	26	commercial	commercial	ADJ
ajbmeb-2964	72	27	banks	bank	NOUN
ajbmeb-2964	72	28	,	,	PUNCT
ajbmeb-2964	72	29	and	and	CCONJ
ajbmeb-2964	72	30	if	if	SCONJ
ajbmeb-2964	72	31	they	they	PRON
ajbmeb-2964	72	32	do	do	AUX
ajbmeb-2964	72	33	not	not	PART
ajbmeb-2964	72	34	issue	issue	VERB
ajbmeb-2964	72	35	microloans	microloan	NOUN
ajbmeb-2964	72	36	at	at	ADP
ajbmeb-2964	72	37	high	high	ADJ
ajbmeb-2964	72	38	rates	rate	NOUN
ajbmeb-2964	72	39	,	,	PUNCT
ajbmeb-2964	72	40	they	they	PRON
ajbmeb-2964	72	41	will	will	AUX
ajbmeb-2964	72	42	not	not	PART
ajbmeb-2964	72	43	be	be	AUX
ajbmeb-2964	72	44	able	able	ADJ
ajbmeb-2964	72	45	to	to	PART
ajbmeb-2964	72	46	receive	receive	VERB
ajbmeb-2964	72	47	the	the	DET
ajbmeb-2964	72	48	expected	expect	VERB
ajbmeb-2964	72	49	profit	profit	NOUN
ajbmeb-2964	72	50	,	,	PUNCT
ajbmeb-2964	72	51	and	and	CCONJ
ajbmeb-2964	72	52	at	at	ADP
ajbmeb-2964	72	53	the	the	DET
ajbmeb-2964	72	54	same	same	ADJ
ajbmeb-2964	72	55	time	time	NOUN
ajbmeb-2964	72	56	,	,	PUNCT
ajbmeb-2964	72	57	their	their	PRON
ajbmeb-2964	72	58	interest	interest	NOUN
ajbmeb-2964	72	59	rates	rate	NOUN
ajbmeb-2964	72	60	will	will	AUX
ajbmeb-2964	72	61	be	be	AUX
ajbmeb-2964	72	62	relatively	relatively	ADV
ajbmeb-2964	72	63	high	high	ADJ
ajbmeb-2964	72	64	so	so	SCONJ
ajbmeb-2964	72	65	that	that	SCONJ
ajbmeb-2964	72	66	the	the	DET
ajbmeb-2964	72	67	issued	issue	VERB
ajbmeb-2964	72	68	microloans	microloan	NOUN
ajbmeb-2964	72	69	and	and	CCONJ
ajbmeb-2964	72	70	accrued	accrue	VERB
ajbmeb-2964	72	71	payments	payment	NOUN
ajbmeb-2964	72	72	do	do	AUX
ajbmeb-2964	72	73	not	not	PART
ajbmeb-2964	72	74	incur	incur	VERB
ajbmeb-2964	72	75	losses	loss	NOUN
ajbmeb-2964	72	76	even	even	ADV
ajbmeb-2964	72	77	if	if	SCONJ
ajbmeb-2964	72	78	they	they	PRON
ajbmeb-2964	72	79	are	be	AUX
ajbmeb-2964	72	80	not	not	PART
ajbmeb-2964	72	81	repaid	repay	VERB
ajbmeb-2964	72	82	.	.	PUNCT
ajbmeb-2964	73	1	microcredit	microcredit	NOUN
ajbmeb-2964	73	2	organizations	organization	NOUN
ajbmeb-2964	73	3	are	be	AUX
ajbmeb-2964	73	4	supported	support	VERB
ajbmeb-2964	73	5	by	by	ADP
ajbmeb-2964	73	6	the	the	DET
ajbmeb-2964	73	7	state	state	NOUN
ajbmeb-2964	73	8	indirectly	indirectly	ADV
ajbmeb-2964	73	9	,	,	PUNCT
ajbmeb-2964	73	10	not	not	PART
ajbmeb-2964	73	11	directly	directly	ADV
ajbmeb-2964	73	12	.	.	PUNCT
ajbmeb-2964	74	1	since	since	SCONJ
ajbmeb-2964	74	2	microfinance	microfinance	NOUN
ajbmeb-2964	74	3	organizations	organization	NOUN
ajbmeb-2964	74	4	are	be	AUX
ajbmeb-2964	74	5	in	in	ADP
ajbmeb-2964	74	6	most	most	ADJ
ajbmeb-2964	74	7	cases	case	NOUN
ajbmeb-2964	74	8	private	private	ADJ
ajbmeb-2964	74	9	from	from	ADP
ajbmeb-2964	74	10	the	the	DET
ajbmeb-2964	74	11	point	point	NOUN
ajbmeb-2964	74	12	of	of	ADP
ajbmeb-2964	74	13	view	view	NOUN
ajbmeb-2964	74	14	of	of	ADP
ajbmeb-2964	74	15	ownership	ownership	NOUN
ajbmeb-2964	74	16	,	,	PUNCT
ajbmeb-2964	74	17	they	they	PRON
ajbmeb-2964	74	18	are	be	AUX
ajbmeb-2964	74	19	not	not	PART
ajbmeb-2964	74	20	supported	support	VERB
ajbmeb-2964	74	21	by	by	ADP
ajbmeb-2964	74	22	cheap	cheap	ADJ
ajbmeb-2964	74	23	and	and	CCONJ
ajbmeb-2964	74	24	long	long	ADJ
ajbmeb-2964	74	25	-	-	PUNCT
ajbmeb-2964	74	26	term	term	NOUN
ajbmeb-2964	74	27	financial	financial	ADJ
ajbmeb-2964	74	28	resources	resource	NOUN
ajbmeb-2964	74	29	of	of	ADP
ajbmeb-2964	74	30	the	the	DET
ajbmeb-2964	74	31	state	state	NOUN
ajbmeb-2964	74	32	.	.	PUNCT
ajbmeb-2964	75	1	in	in	ADP
ajbmeb-2964	75	2	cases	case	NOUN
ajbmeb-2964	75	3	where	where	SCONJ
ajbmeb-2964	75	4	the	the	DET
ajbmeb-2964	75	5	state	state	NOUN
ajbmeb-2964	75	6	supports	support	VERB
ajbmeb-2964	75	7	support	support	NOUN
ajbmeb-2964	75	8	and	and	CCONJ
ajbmeb-2964	75	9	the	the	DET
ajbmeb-2964	75	10	development	development	NOUN
ajbmeb-2964	75	11	of	of	ADP
ajbmeb-2964	75	12	their	their	PRON
ajbmeb-2964	75	13	activities	activity	NOUN
ajbmeb-2964	75	14	,	,	PUNCT
ajbmeb-2964	75	15	microfinance	microfinance	NOUN
ajbmeb-2964	75	16	organizations	organization	NOUN
ajbmeb-2964	75	17	may	may	AUX
ajbmeb-2964	75	18	mitigate	mitigate	VERB
ajbmeb-2964	75	19	the	the	DET
ajbmeb-2964	75	20	requirements	requirement	NOUN
ajbmeb-2964	75	21	for	for	ADP
ajbmeb-2964	75	22	authorized	authorized	ADJ
ajbmeb-2964	75	23	capital	capital	NOUN
ajbmeb-2964	75	24	and	and	CCONJ
ajbmeb-2964	75	25	permits	permit	NOUN
ajbmeb-2964	75	26	for	for	ADP
ajbmeb-2964	75	27	their	their	PRON
ajbmeb-2964	75	28	activities	activity	NOUN
ajbmeb-2964	75	29	.	.	PUNCT
ajbmeb-2964	76	1	it	it	PRON
ajbmeb-2964	76	2	should	should	AUX
ajbmeb-2964	76	3	be	be	AUX
ajbmeb-2964	76	4	noted	note	VERB
ajbmeb-2964	76	5	that	that	SCONJ
ajbmeb-2964	76	6	in	in	ADP
ajbmeb-2964	76	7	international	international	ADJ
ajbmeb-2964	76	8	practice	practice	NOUN
ajbmeb-2964	76	9	,	,	PUNCT
ajbmeb-2964	76	10	local	local	ADJ
ajbmeb-2964	76	11	(	(	PUNCT
ajbmeb-2964	76	12	municipal	municipal	ADJ
ajbmeb-2964	76	13	)	)	PUNCT
ajbmeb-2964	76	14	authorities	authority	NOUN
ajbmeb-2964	76	15	are	be	AUX
ajbmeb-2964	76	16	interested	interested	ADJ
ajbmeb-2964	76	17	in	in	ADP
ajbmeb-2964	76	18	the	the	DET
ajbmeb-2964	76	19	creation	creation	NOUN
ajbmeb-2964	76	20	and	and	CCONJ
ajbmeb-2964	76	21	development	development	NOUN
ajbmeb-2964	76	22	of	of	ADP
ajbmeb-2964	76	23	microfinance	microfinance	NOUN
ajbmeb-2964	76	24	organizations	organization	NOUN
ajbmeb-2964	76	25	and	and	CCONJ
ajbmeb-2964	76	26	in	in	ADP
ajbmeb-2964	76	27	most	most	ADJ
ajbmeb-2964	76	28	cases	case	NOUN
ajbmeb-2964	76	29	support	support	VERB
ajbmeb-2964	76	30	them	they	PRON
ajbmeb-2964	76	31	by	by	ADP
ajbmeb-2964	76	32	allocating	allocate	VERB
ajbmeb-2964	76	33	buildings	building	NOUN
ajbmeb-2964	76	34	,	,	PUNCT
ajbmeb-2964	76	35	creating	create	VERB
ajbmeb-2964	76	36	an	an	DET
ajbmeb-2964	76	37	acceptable	acceptable	ADJ
ajbmeb-2964	76	38	infrastructure	infrastructure	NOUN
ajbmeb-2964	76	39	,	,	PUNCT
ajbmeb-2964	76	40	and	and	CCONJ
ajbmeb-2964	76	41	improving	improve	VERB
ajbmeb-2964	76	42	the	the	DET
ajbmeb-2964	76	43	business	business	NOUN
ajbmeb-2964	76	44	environment	environment	NOUN
ajbmeb-2964	76	45	.	.	PUNCT
ajbmeb-2964	77	1	because	because	SCONJ
ajbmeb-2964	77	2	microfinance	microfinance	NOUN
ajbmeb-2964	77	3	organizations	organization	NOUN
ajbmeb-2964	77	4	established	establish	VERB
ajbmeb-2964	77	5	in	in	ADP
ajbmeb-2964	77	6	remote	remote	ADJ
ajbmeb-2964	77	7	regions	region	NOUN
ajbmeb-2964	77	8	of	of	ADP
ajbmeb-2964	77	9	the	the	DET
ajbmeb-2964	77	10	country	country	NOUN
ajbmeb-2964	77	11	are	be	AUX
ajbmeb-2964	77	12	a	a	DET
ajbmeb-2964	77	13	very	very	ADV
ajbmeb-2964	77	14	important	important	ADJ
ajbmeb-2964	77	15	financial	financial	ADJ
ajbmeb-2964	77	16	link	link	NOUN
ajbmeb-2964	77	17	in	in	ADP
ajbmeb-2964	77	18	business	business	NOUN
ajbmeb-2964	77	19	development	development	NOUN
ajbmeb-2964	77	20	,	,	PUNCT
ajbmeb-2964	77	21	creating	create	VERB
ajbmeb-2964	77	22	additional	additional	ADJ
ajbmeb-2964	77	23	jobs	job	NOUN
ajbmeb-2964	77	24	,	,	PUNCT
ajbmeb-2964	77	25	and	and	CCONJ
ajbmeb-2964	77	26	offering	offer	VERB
ajbmeb-2964	77	27	local	local	ADJ
ajbmeb-2964	77	28	products	product	NOUN
ajbmeb-2964	77	29	to	to	ADP
ajbmeb-2964	77	30	the	the	DET
ajbmeb-2964	77	31	consumer	consumer	NOUN
ajbmeb-2964	77	32	goods	good	NOUN
ajbmeb-2964	77	33	market	market	NOUN
ajbmeb-2964	77	34	.	.	PUNCT
ajbmeb-2964	78	1	limited	limited	ADJ
ajbmeb-2964	78	2	establishment	establishment	NOUN
ajbmeb-2964	78	3	of	of	ADP
ajbmeb-2964	78	4	microfinance	microfinance	NOUN
ajbmeb-2964	78	5	organizations	organization	NOUN
ajbmeb-2964	78	6	.	.	PUNCT
ajbmeb-2964	79	1	in	in	ADP
ajbmeb-2964	79	2	practice	practice	NOUN
ajbmeb-2964	79	3	,	,	PUNCT
ajbmeb-2964	79	4	it	it	PRON
ajbmeb-2964	79	5	can	can	AUX
ajbmeb-2964	79	6	be	be	AUX
ajbmeb-2964	79	7	observed	observe	VERB
ajbmeb-2964	79	8	that	that	SCONJ
ajbmeb-2964	79	9	microfinance	microfinance	NOUN
ajbmeb-2964	79	10	organizations	organization	NOUN
ajbmeb-2964	79	11	are	be	AUX
ajbmeb-2964	79	12	not	not	PART
ajbmeb-2964	79	13	developed	develop	VERB
ajbmeb-2964	79	14	in	in	ADP
ajbmeb-2964	79	15	a	a	DET
ajbmeb-2964	79	16	balanced	balanced	ADJ
ajbmeb-2964	79	17	manner	manner	NOUN
ajbmeb-2964	79	18	in	in	ADP
ajbmeb-2964	79	19	all	all	DET
ajbmeb-2964	79	20	regions	region	NOUN
ajbmeb-2964	79	21	of	of	ADP
ajbmeb-2964	79	22	the	the	DET
ajbmeb-2964	79	23	country	country	NOUN
ajbmeb-2964	79	24	,	,	PUNCT
ajbmeb-2964	79	25	although	although	SCONJ
ajbmeb-2964	79	26	there	there	PRON
ajbmeb-2964	79	27	are	be	VERB
ajbmeb-2964	79	28	a	a	DET
ajbmeb-2964	79	29	number	number	NOUN
ajbmeb-2964	79	30	of	of	ADP
ajbmeb-2964	79	31	objective	objective	ADJ
ajbmeb-2964	79	32	and	and	CCONJ
ajbmeb-2964	79	33	subjective	subjective	ADJ
ajbmeb-2964	79	34	reasons	reason	NOUN
ajbmeb-2964	79	35	for	for	ADP
ajbmeb-2964	79	36	this	this	PRON
ajbmeb-2964	79	37	.	.	PUNCT
ajbmeb-2964	80	1	firstly	firstly	ADV
ajbmeb-2964	80	2	,	,	PUNCT
ajbmeb-2964	80	3	there	there	PRON
ajbmeb-2964	80	4	is	be	VERB
ajbmeb-2964	80	5	a	a	DET
ajbmeb-2964	80	6	lack	lack	NOUN
ajbmeb-2964	80	7	of	of	ADP
ajbmeb-2964	80	8	sufficient	sufficient	ADJ
ajbmeb-2964	80	9	infrastructure	infrastructure	NOUN
ajbmeb-2964	80	10	for	for	ADP
ajbmeb-2964	80	11	the	the	DET
ajbmeb-2964	80	12	organization	organization	NOUN
ajbmeb-2964	80	13	,	,	PUNCT
ajbmeb-2964	80	14	insufficient	insufficient	ADJ
ajbmeb-2964	80	15	support	support	NOUN
ajbmeb-2964	80	16	from	from	ADP
ajbmeb-2964	80	17	local	local	ADJ
ajbmeb-2964	80	18	authorities	authority	NOUN
ajbmeb-2964	80	19	,	,	PUNCT
ajbmeb-2964	80	20	and	and	CCONJ
ajbmeb-2964	80	21	secondly	secondly	ADV
ajbmeb-2964	80	22	,	,	PUNCT
ajbmeb-2964	80	23	there	there	PRON
ajbmeb-2964	80	24	is	be	VERB
ajbmeb-2964	80	25	a	a	DET
ajbmeb-2964	80	26	shortage	shortage	NOUN
ajbmeb-2964	80	27	of	of	ADP
ajbmeb-2964	80	28	specialists	specialist	NOUN
ajbmeb-2964	80	29	with	with	ADP
ajbmeb-2964	80	30	sufficient	sufficient	ADJ
ajbmeb-2964	80	31	knowledge	knowledge	NOUN
ajbmeb-2964	80	32	,	,	PUNCT
ajbmeb-2964	80	33	skills	skill	NOUN
ajbmeb-2964	80	34	,	,	PUNCT
ajbmeb-2964	80	35	and	and	CCONJ
ajbmeb-2964	80	36	experience	experience	NOUN
ajbmeb-2964	80	37	who	who	PRON
ajbmeb-2964	80	38	organize	organize	VERB
ajbmeb-2964	80	39	microfinance	microfinance	NOUN
ajbmeb-2964	80	40	organizations	organization	NOUN
ajbmeb-2964	80	41	.	.	PUNCT
ajbmeb-2964	81	1	transparency	transparency	NOUN
ajbmeb-2964	81	2	of	of	ADP
ajbmeb-2964	81	3	the	the	DET
ajbmeb-2964	81	4	activities	activity	NOUN
ajbmeb-2964	81	5	of	of	ADP
ajbmeb-2964	81	6	microfinance	microfinance	NOUN
ajbmeb-2964	81	7	organizations	organization	NOUN
ajbmeb-2964	81	8	and	and	CCONJ
ajbmeb-2964	81	9	accessibility	accessibility	NOUN
ajbmeb-2964	81	10	of	of	ADP
ajbmeb-2964	81	11	information	information	NOUN
ajbmeb-2964	81	12	.	.	PUNCT
ajbmeb-2964	82	1	the	the	DET
ajbmeb-2964	82	2	transparent	transparent	ADJ
ajbmeb-2964	82	3	organization	organization	NOUN
ajbmeb-2964	82	4	of	of	ADP
ajbmeb-2964	82	5	the	the	DET
ajbmeb-2964	82	6	activities	activity	NOUN
ajbmeb-2964	82	7	of	of	ADP
ajbmeb-2964	82	8	these	these	DET
ajbmeb-2964	82	9	financial	financial	ADJ
ajbmeb-2964	82	10	organizations	organization	NOUN
ajbmeb-2964	82	11	in	in	ADP
ajbmeb-2964	82	12	the	the	DET
ajbmeb-2964	82	13	market	market	NOUN
ajbmeb-2964	82	14	plays	play	VERB
ajbmeb-2964	82	15	an	an	DET
ajbmeb-2964	82	16	american	american	ADJ
ajbmeb-2964	82	17	journal	journal	PROPN
ajbmeb-2964	82	18	of	of	ADP
ajbmeb-2964	82	19	business	business	NOUN
ajbmeb-2964	82	20	management	management	NOUN
ajbmeb-2964	82	21	,	,	PUNCT
ajbmeb-2964	82	22	economics	economic	NOUN
ajbmeb-2964	82	23	and	and	CCONJ
ajbmeb-2964	82	24	banking	banking	NOUN
ajbmeb-2964	82	25	volume	volume	NOUN
ajbmeb-2964	82	26	36	36	NUM
ajbmeb-2964	82	27	may2025	may2025	NOUN
ajbmeb-2964	82	28	p	p	NOUN
ajbmeb-2964	82	29	a	a	DET
ajbmeb-2964	82	30	g	g	NOUN
ajbmeb-2964	82	31	e	e	NOUN
ajbmeb-2964	82	32	|	|	ADV
ajbmeb-2964	82	33	107	107	NUM
ajbmeb-2964	82	34	www.americanjournal.org	www.americanjournal.org	ADV
ajbmeb-2964	82	35	important	important	ADJ
ajbmeb-2964	82	36	role	role	NOUN
ajbmeb-2964	82	37	in	in	ADP
ajbmeb-2964	82	38	attracting	attract	VERB
ajbmeb-2964	82	39	investors	investor	NOUN
ajbmeb-2964	82	40	and	and	CCONJ
ajbmeb-2964	82	41	depositors	depositor	NOUN
ajbmeb-2964	82	42	to	to	ADP
ajbmeb-2964	82	43	them	they	PRON
ajbmeb-2964	82	44	,	,	PUNCT
ajbmeb-2964	82	45	as	as	ADV
ajbmeb-2964	82	46	well	well	ADV
ajbmeb-2964	82	47	as	as	ADP
ajbmeb-2964	82	48	in	in	ADP
ajbmeb-2964	82	49	the	the	DET
ajbmeb-2964	82	50	future	future	ADJ
ajbmeb-2964	82	51	decisions	decision	NOUN
ajbmeb-2964	82	52	of	of	ADP
ajbmeb-2964	82	53	the	the	DET
ajbmeb-2964	82	54	founders	founder	NOUN
ajbmeb-2964	82	55	of	of	ADP
ajbmeb-2964	82	56	these	these	DET
ajbmeb-2964	82	57	organizations	organization	NOUN
ajbmeb-2964	82	58	.	.	PUNCT
ajbmeb-2964	83	1	in	in	ADP
ajbmeb-2964	83	2	conclusion	conclusion	NOUN
ajbmeb-2964	83	3	,	,	PUNCT
ajbmeb-2964	83	4	the	the	DET
ajbmeb-2964	83	5	stages	stage	NOUN
ajbmeb-2964	83	6	of	of	ADP
ajbmeb-2964	83	7	development	development	NOUN
ajbmeb-2964	83	8	and	and	CCONJ
ajbmeb-2964	83	9	the	the	DET
ajbmeb-2964	83	10	main	main	ADJ
ajbmeb-2964	83	11	principles	principle	NOUN
ajbmeb-2964	83	12	of	of	ADP
ajbmeb-2964	83	13	the	the	DET
ajbmeb-2964	83	14	activities	activity	NOUN
ajbmeb-2964	83	15	of	of	ADP
ajbmeb-2964	83	16	microfinance	microfinance	NOUN
ajbmeb-2964	83	17	organizations	organization	NOUN
ajbmeb-2964	83	18	have	have	VERB
ajbmeb-2964	83	19	their	their	PRON
ajbmeb-2964	83	20	own	own	ADJ
ajbmeb-2964	83	21	characteristics	characteristic	NOUN
ajbmeb-2964	83	22	,	,	PUNCT
ajbmeb-2964	83	23	and	and	CCONJ
ajbmeb-2964	83	24	a	a	DET
ajbmeb-2964	83	25	number	number	NOUN
ajbmeb-2964	83	26	of	of	ADP
ajbmeb-2964	83	27	objective	objective	ADJ
ajbmeb-2964	83	28	and	and	CCONJ
ajbmeb-2964	83	29	subjective	subjective	ADJ
ajbmeb-2964	83	30	factors	factor	NOUN
ajbmeb-2964	83	31	have	have	AUX
ajbmeb-2964	83	32	influenced	influence	VERB
ajbmeb-2964	83	33	their	their	PRON
ajbmeb-2964	83	34	organization	organization	NOUN
ajbmeb-2964	83	35	and	and	CCONJ
ajbmeb-2964	83	36	operation	operation	NOUN
ajbmeb-2964	83	37	,	,	PUNCT
ajbmeb-2964	83	38	and	and	CCONJ
ajbmeb-2964	83	39	at	at	ADP
ajbmeb-2964	83	40	the	the	DET
ajbmeb-2964	83	41	same	same	ADJ
ajbmeb-2964	83	42	time	time	NOUN
ajbmeb-2964	83	43	,	,	PUNCT
ajbmeb-2964	83	44	these	these	DET
ajbmeb-2964	83	45	financial	financial	ADJ
ajbmeb-2964	83	46	institutions	institution	NOUN
ajbmeb-2964	83	47	are	be	AUX
ajbmeb-2964	83	48	an	an	DET
ajbmeb-2964	83	49	important	important	ADJ
ajbmeb-2964	83	50	financial	financial	ADJ
ajbmeb-2964	83	51	link	link	NOUN
ajbmeb-2964	83	52	of	of	ADP
ajbmeb-2964	83	53	the	the	DET
ajbmeb-2964	83	54	market	market	NOUN
ajbmeb-2964	83	55	economy	economy	NOUN
ajbmeb-2964	83	56	.	.	PUNCT
ajbmeb-2964	84	1	references	reference	NOUN
ajbmeb-2964	84	2	1	1	NUM
ajbmeb-2964	84	3	.	.	PUNCT
ajbmeb-2964	85	1	law	law	NOUN
ajbmeb-2964	85	2	of	of	ADP
ajbmeb-2964	85	3	the	the	DET
ajbmeb-2964	85	4	republic	republic	NOUN
ajbmeb-2964	85	5	of	of	ADP
ajbmeb-2964	85	6	uzbekistan	uzbekistan	PROPN
ajbmeb-2964	85	7	"	"	PUNCT
ajbmeb-2964	85	8	on	on	ADP
ajbmeb-2964	85	9	non	non	ADJ
ajbmeb-2964	85	10	-	-	ADJ
ajbmeb-2964	85	11	banking	banking	ADJ
ajbmeb-2964	85	12	credit	credit	NOUN
ajbmeb-2964	85	13	organizations	organization	NOUN
ajbmeb-2964	85	14	and	and	CCONJ
ajbmeb-2964	85	15	microfinance	microfinance	NOUN
ajbmeb-2964	85	16	activities	activity	NOUN
ajbmeb-2964	85	17	,	,	PUNCT
ajbmeb-2964	85	18	"	"	PUNCT
ajbmeb-2964	85	19	article	article	NOUN
ajbmeb-2964	85	20	3	3	NUM
ajbmeb-2964	85	21	.	.	PUNCT
ajbmeb-2964	86	1	(	(	PUNCT
ajbmeb-2964	86	2	national	national	ADJ
ajbmeb-2964	86	3	database	database	NOUN
ajbmeb-2964	86	4	of	of	ADP
ajbmeb-2964	86	5	legislation	legislation	NOUN
ajbmeb-2964	86	6	,	,	PUNCT
ajbmeb-2964	86	7	21.04.2022	21.04.2022	NOUN
ajbmeb-2964	86	8	,	,	PUNCT
ajbmeb-2964	86	9	no	no	DET
ajbmeb-2964	86	10	03/22/765/0332	03/22/765/0332	NOUN
ajbmeb-2964	86	11	)	)	PUNCT
ajbmeb-2964	86	12	2	2	NUM
ajbmeb-2964	86	13	.	.	X
ajbmeb-2964	86	14	yunus	yunus	PROPN
ajbmeb-2964	86	15	muhammad	muhammad	PROPN
ajbmeb-2964	86	16	,	,	PUNCT
ajbmeb-2964	86	17	joli	joli	PROPN
ajbmeb-2964	86	18	alan	alan	PROPN
ajbmeb-2964	86	19	.	.	PUNCT
ajbmeb-2964	87	1	creating	create	VERB
ajbmeb-2964	87	2	a	a	DET
ajbmeb-2964	87	3	world	world	NOUN
ajbmeb-2964	87	4	without	without	ADP
ajbmeb-2964	87	5	poverty	poverty	NOUN
ajbmeb-2964	87	6	.	.	PUNCT
ajbmeb-2964	88	1	social	social	ADJ
ajbmeb-2964	88	2	business	business	NOUN
ajbmeb-2964	88	3	in	in	ADP
ajbmeb-2964	88	4	the	the	DET
ajbmeb-2964	88	5	future	future	NOUN
ajbmeb-2964	88	6	of	of	ADP
ajbmeb-2964	88	7	capitalism.-m.:alpina	capitalism.-m.:alpina	PROPN
ajbmeb-2964	88	8	publisher	publisher	NOUN
ajbmeb-2964	88	9	,	,	PUNCT
ajbmeb-2964	88	10	2009,-p	2009,-p	PROPN
ajbmeb-2964	88	11	.	.	NOUN
ajbmeb-2964	88	12	213	213	NUM
ajbmeb-2964	88	13	3	3	NUM
ajbmeb-2964	88	14	.	.	PUNCT
ajbmeb-2964	89	1	shadadze	shadadze	PROPN
ajbmeb-2964	89	2	n.v	n.v	PROPN
ajbmeb-2964	89	3	.	.	PROPN
ajbmeb-2964	89	4	microfinancing	microfinance	VERB
ajbmeb-2964	89	5	abroad	abroad	ADV
ajbmeb-2964	89	6	:	:	PUNCT
ajbmeb-2964	89	7	experience	experience	NOUN
ajbmeb-2964	89	8	in	in	ADP
ajbmeb-2964	89	9	solving	solve	VERB
ajbmeb-2964	89	10	social	social	ADJ
ajbmeb-2964	89	11	problems	problem	NOUN
ajbmeb-2964	89	12	//	//	X
ajbmeb-2964	89	13	economics	economic	NOUN
ajbmeb-2964	89	14	.	.	PUNCT
ajbmeb-2964	90	1	taxes	taxis	NOUN
ajbmeb-2964	90	2	.	.	PUNCT
ajbmeb-2964	91	1	law	law	NOUN
ajbmeb-2964	91	2	.	.	PUNCT
ajbmeb-2964	92	1	2017	2017	NUM
ajbmeb-2964	92	2	.	.	PUNCT
ajbmeb-2964	93	1	vol	vol	NOUN
ajbmeb-2964	93	2	.	.	PUNCT
ajbmeb-2964	94	1	10	10	NUM
ajbmeb-2964	94	2	.	.	PUNCT
ajbmeb-2964	95	1	no	no	DET
ajbmeb-2964	95	2	1	1	NUM
ajbmeb-2964	95	3	.	.	PUNCT
ajbmeb-2964	96	1	pp	pp	ADJ
ajbmeb-2964	96	2	.	.	PUNCT
ajbmeb-2964	97	1	101	101	NUM
ajbmeb-2964	97	2	-	-	SYM
ajbmeb-2964	97	3	109	109	NUM
ajbmeb-2964	97	4	.	.	NOUN
ajbmeb-2964	97	5	4	4	NUM
ajbmeb-2964	97	6	.	.	X
ajbmeb-2964	97	7	rakhmanov	rakhmanov	PROPN
ajbmeb-2964	97	8	i.kh	i.kh	PROPN
ajbmeb-2964	97	9	.	.	PUNCT
ajbmeb-2964	97	10	ways	way	NOUN
ajbmeb-2964	97	11	to	to	PART
ajbmeb-2964	97	12	improve	improve	VERB
ajbmeb-2964	97	13	microfinance	microfinance	NOUN
ajbmeb-2964	97	14	services	service	NOUN
ajbmeb-2964	97	15	in	in	ADP
ajbmeb-2964	97	16	the	the	DET
ajbmeb-2964	97	17	republic	republic	NOUN
ajbmeb-2964	97	18	of	of	ADP
ajbmeb-2964	97	19	uzbekistan	uzbekistan	PROPN
ajbmeb-2964	97	20	.	.	PUNCT
ajbmeb-2964	98	1	dissertation	dissertation	NOUN
ajbmeb-2964	98	2	for	for	ADP
ajbmeb-2964	98	3	the	the	DET
ajbmeb-2964	98	4	degree	degree	NOUN
ajbmeb-2964	98	5	of	of	ADP
ajbmeb-2964	98	6	candidate	candidate	NOUN
ajbmeb-2964	98	7	of	of	ADP
ajbmeb-2964	98	8	economic	economic	ADJ
ajbmeb-2964	98	9	sciences.-2011	sciences.-2011	PROPN
ajbmeb-2964	98	10	.	.	PUNCT
ajbmeb-2964	99	1	5	5	X
ajbmeb-2964	99	2	.	.	X
ajbmeb-2964	99	3	global	global	ADJ
ajbmeb-2964	99	4	microfinance	microfinance	NOUN
ajbmeb-2964	99	5	market	market	NOUN
ajbmeb-2964	99	6	report	report	NOUN
ajbmeb-2964	99	7	2022	2022	NUM
ajbmeb-2964	99	8	.	.	PUNCT
ajbmeb-2964	100	1	6	6	NUM
ajbmeb-2964	100	2	.	.	X
ajbmeb-2964	101	1	https://cbu.uz/-data	https://cbu.uz/-data	PROPN
ajbmeb-2964	101	2	of	of	ADP
ajbmeb-2964	101	3	the	the	DET
ajbmeb-2964	101	4	central	central	ADJ
ajbmeb-2964	101	5	bank	bank	NOUN
ajbmeb-2964	101	6	of	of	ADP
ajbmeb-2964	101	7	the	the	DET
ajbmeb-2964	101	8	republic	republic	NOUN
ajbmeb-2964	101	9	of	of	ADP
ajbmeb-2964	101	10	uzbekistan	uzbekistan	PROPN