id	sid	tid	token	lemma	pos
ajbmeb-3150	1	1	american	american	PROPN
ajbmeb-3150	1	2	journal	journal	PROPN
ajbmeb-3150	1	3	of	of	ADP
ajbmeb-3150	1	4	business	business	NOUN
ajbmeb-3150	1	5	management	management	NOUN
ajbmeb-3150	1	6	,	,	PUNCT
ajbmeb-3150	1	7	economics	economic	NOUN
ajbmeb-3150	1	8	and	and	CCONJ
ajbmeb-3150	1	9	banking	banking	NOUN
ajbmeb-3150	1	10	issn	issn	PROPN
ajbmeb-3150	1	11	(	(	PUNCT
ajbmeb-3150	1	12	e	e	NOUN
ajbmeb-3150	1	13	):	):	PUNCT
ajbmeb-3150	1	14	2832	2832	NUM
ajbmeb-3150	1	15	-	-	SYM
ajbmeb-3150	1	16	8078	8078	NUM
ajbmeb-3150	1	17	volume	volume	NOUN
ajbmeb-3150	1	18	41	41	NUM
ajbmeb-3150	1	19	,	,	PUNCT
ajbmeb-3150	1	20	october	october	PROPN
ajbmeb-3150	1	21	2025	2025	NUM
ajbmeb-3150	1	22	p	p	NOUN
ajbmeb-3150	1	23	a	a	DET
ajbmeb-3150	1	24	g	g	NOUN
ajbmeb-3150	1	25	e	e	PROPN
ajbmeb-3150	1	26	|	|	ADV
ajbmeb-3150	1	27	96	96	NUM
ajbmeb-3150	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3150	1	29	improving	improve	VERB
ajbmeb-3150	1	30	microloan	microloan	NOUN
ajbmeb-3150	1	31	practices	practice	NOUN
ajbmeb-3150	1	32	in	in	ADP
ajbmeb-3150	1	33	the	the	DET
ajbmeb-3150	1	34	provision	provision	NOUN
ajbmeb-3150	1	35	of	of	ADP
ajbmeb-3150	1	36	retail	retail	ADJ
ajbmeb-3150	1	37	banking	banking	NOUN
ajbmeb-3150	1	38	services	service	NOUN
ajbmeb-3150	1	39	umarova	umarova	PROPN
ajbmeb-3150	1	40	lola	lola	PROPN
ajbmeb-3150	1	41	erkinovna	erkinovna	PROPN
ajbmeb-3150	1	42	,	,	PUNCT
ajbmeb-3150	1	43	teacher	teacher	NOUN
ajbmeb-3150	1	44	at	at	ADP
ajbmeb-3150	1	45	the	the	DET
ajbmeb-3150	1	46	department	department	NOUN
ajbmeb-3150	1	47	of	of	ADP
ajbmeb-3150	1	48	banking	banking	NOUN
ajbmeb-3150	1	49	,	,	PUNCT
ajbmeb-3150	1	50	tashkent	tashkent	PROPN
ajbmeb-3150	1	51	state	state	PROPN
ajbmeb-3150	1	52	university	university	PROPN
ajbmeb-3150	1	53	of	of	ADP
ajbmeb-3150	1	54	economics	economics	PROPN
ajbmeb-3150	1	55	e	e	NOUN
ajbmeb-3150	1	56	-	-	NOUN
ajbmeb-3150	1	57	mail	mail	NOUN
ajbmeb-3150	1	58	:	:	PUNCT
ajbmeb-3150	2	1	lolaumarova84@gmail.com	lolaumarova84@gmail.com	X
ajbmeb-3150	2	2	a	a	DET
ajbmeb-3150	2	3	b	b	PROPN
ajbmeb-3150	2	4	s	s	ADP
ajbmeb-3150	2	5	t	t	PROPN
ajbmeb-3150	2	6	r	r	NOUN
ajbmeb-3150	2	7	a	a	DET
ajbmeb-3150	2	8	c	c	NOUN
ajbmeb-3150	2	9	t	t	NOUN
ajbmeb-3150	2	10	k	k	X
ajbmeb-3150	2	11	e	e	PROPN
ajbmeb-3150	2	12	y	y	PROPN
ajbmeb-3150	2	13	w	w	NOUN
ajbmeb-3150	2	14	o	o	NOUN
ajbmeb-3150	2	15	r	r	NOUN
ajbmeb-3150	2	16	d	d	X
ajbmeb-3150	2	17	s	s	AUX
ajbmeb-3150	2	18	the	the	DET
ajbmeb-3150	2	19	article	article	NOUN
ajbmeb-3150	2	20	analyzes	analyze	VERB
ajbmeb-3150	2	21	the	the	DET
ajbmeb-3150	2	22	current	current	ADJ
ajbmeb-3150	2	23	state	state	NOUN
ajbmeb-3150	2	24	and	and	CCONJ
ajbmeb-3150	2	25	trends	trend	NOUN
ajbmeb-3150	2	26	in	in	ADP
ajbmeb-3150	2	27	the	the	DET
ajbmeb-3150	2	28	development	development	NOUN
ajbmeb-3150	2	29	of	of	ADP
ajbmeb-3150	2	30	the	the	DET
ajbmeb-3150	2	31	microcredit	microcredit	NOUN
ajbmeb-3150	2	32	system	system	NOUN
ajbmeb-3150	2	33	in	in	ADP
ajbmeb-3150	2	34	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	2	35	.	.	PUNCT
ajbmeb-3150	3	1	the	the	DET
ajbmeb-3150	3	2	study	study	NOUN
ajbmeb-3150	3	3	examines	examine	VERB
ajbmeb-3150	3	4	the	the	DET
ajbmeb-3150	3	5	interest	interest	NOUN
ajbmeb-3150	3	6	rates	rate	NOUN
ajbmeb-3150	3	7	,	,	PUNCT
ajbmeb-3150	3	8	terms	term	NOUN
ajbmeb-3150	3	9	,	,	PUNCT
ajbmeb-3150	3	10	and	and	CCONJ
ajbmeb-3150	3	11	methods	method	NOUN
ajbmeb-3150	3	12	of	of	ADP
ajbmeb-3150	3	13	providing	provide	VERB
ajbmeb-3150	3	14	microloans	microloan	NOUN
ajbmeb-3150	3	15	to	to	ADP
ajbmeb-3150	3	16	the	the	DET
ajbmeb-3150	3	17	population	population	NOUN
ajbmeb-3150	3	18	by	by	ADP
ajbmeb-3150	3	19	commercial	commercial	ADJ
ajbmeb-3150	3	20	banks	bank	NOUN
ajbmeb-3150	3	21	,	,	PUNCT
ajbmeb-3150	3	22	as	as	ADV
ajbmeb-3150	3	23	well	well	ADV
ajbmeb-3150	3	24	as	as	ADP
ajbmeb-3150	3	25	the	the	DET
ajbmeb-3150	3	26	dynamics	dynamic	NOUN
ajbmeb-3150	3	27	of	of	ADP
ajbmeb-3150	3	28	the	the	DET
ajbmeb-3150	3	29	volume	volume	NOUN
ajbmeb-3150	3	30	of	of	ADP
ajbmeb-3150	3	31	microloans	microloan	NOUN
ajbmeb-3150	3	32	issued	issue	VERB
ajbmeb-3150	3	33	to	to	ADP
ajbmeb-3150	3	34	individuals	individual	NOUN
ajbmeb-3150	3	35	during	during	ADP
ajbmeb-3150	3	36	the	the	DET
ajbmeb-3150	3	37	period	period	NOUN
ajbmeb-3150	3	38	2020–2024	2020–2024	NUM
ajbmeb-3150	3	39	.	.	PUNCT
ajbmeb-3150	4	1	the	the	DET
ajbmeb-3150	4	2	research	research	NOUN
ajbmeb-3150	4	3	findings	finding	NOUN
ajbmeb-3150	4	4	indicate	indicate	VERB
ajbmeb-3150	4	5	that	that	SCONJ
ajbmeb-3150	4	6	in	in	ADP
ajbmeb-3150	4	7	recent	recent	ADJ
ajbmeb-3150	4	8	years	year	NOUN
ajbmeb-3150	4	9	,	,	PUNCT
ajbmeb-3150	4	10	the	the	DET
ajbmeb-3150	4	11	volume	volume	NOUN
ajbmeb-3150	4	12	of	of	ADP
ajbmeb-3150	4	13	microloans	microloan	NOUN
ajbmeb-3150	4	14	has	have	AUX
ajbmeb-3150	4	15	increased	increase	VERB
ajbmeb-3150	4	16	by	by	ADP
ajbmeb-3150	4	17	7–8	7–8	NUM
ajbmeb-3150	4	18	times	time	NOUN
ajbmeb-3150	4	19	,	,	PUNCT
ajbmeb-3150	4	20	which	which	PRON
ajbmeb-3150	4	21	is	be	AUX
ajbmeb-3150	4	22	closely	closely	ADV
ajbmeb-3150	4	23	associated	associate	VERB
ajbmeb-3150	4	24	with	with	ADP
ajbmeb-3150	4	25	the	the	DET
ajbmeb-3150	4	26	growth	growth	NOUN
ajbmeb-3150	4	27	of	of	ADP
ajbmeb-3150	4	28	financial	financial	ADJ
ajbmeb-3150	4	29	inclusion	inclusion	NOUN
ajbmeb-3150	4	30	,	,	PUNCT
ajbmeb-3150	4	31	the	the	DET
ajbmeb-3150	4	32	expansion	expansion	NOUN
ajbmeb-3150	4	33	of	of	ADP
ajbmeb-3150	4	34	retail	retail	ADJ
ajbmeb-3150	4	35	and	and	CCONJ
ajbmeb-3150	4	36	digital	digital	ADJ
ajbmeb-3150	4	37	banking	banking	NOUN
ajbmeb-3150	4	38	services	service	NOUN
ajbmeb-3150	4	39	,	,	PUNCT
ajbmeb-3150	4	40	and	and	CCONJ
ajbmeb-3150	4	41	the	the	DET
ajbmeb-3150	4	42	government	government	NOUN
ajbmeb-3150	4	43	’s	’s	PART
ajbmeb-3150	4	44	policy	policy	NOUN
ajbmeb-3150	4	45	of	of	ADP
ajbmeb-3150	4	46	supporting	support	VERB
ajbmeb-3150	4	47	small	small	ADJ
ajbmeb-3150	4	48	businesses	business	NOUN
ajbmeb-3150	4	49	.	.	PUNCT
ajbmeb-3150	5	1	the	the	DET
ajbmeb-3150	5	2	article	article	NOUN
ajbmeb-3150	5	3	also	also	ADV
ajbmeb-3150	5	4	highlights	highlight	VERB
ajbmeb-3150	5	5	the	the	DET
ajbmeb-3150	5	6	role	role	NOUN
ajbmeb-3150	5	7	of	of	ADP
ajbmeb-3150	5	8	the	the	DET
ajbmeb-3150	5	9	digital	digital	ADJ
ajbmeb-3150	5	10	lending	lending	NOUN
ajbmeb-3150	5	11	system	system	NOUN
ajbmeb-3150	5	12	in	in	ADP
ajbmeb-3150	5	13	promoting	promote	VERB
ajbmeb-3150	5	14	microfinance	microfinance	NOUN
ajbmeb-3150	5	15	services	service	NOUN
ajbmeb-3150	5	16	and	and	CCONJ
ajbmeb-3150	5	17	the	the	DET
ajbmeb-3150	5	18	importance	importance	NOUN
ajbmeb-3150	5	19	of	of	ADP
ajbmeb-3150	5	20	a	a	DET
ajbmeb-3150	5	21	risk	risk	NOUN
ajbmeb-3150	5	22	-	-	PUNCT
ajbmeb-3150	5	23	oriented	orient	VERB
ajbmeb-3150	5	24	approach	approach	NOUN
ajbmeb-3150	5	25	for	for	ADP
ajbmeb-3150	5	26	commercial	commercial	ADJ
ajbmeb-3150	5	27	banks	bank	NOUN
ajbmeb-3150	5	28	.	.	PUNCT
ajbmeb-3150	6	1	microloan	microloan	PROPN
ajbmeb-3150	6	2	,	,	PUNCT
ajbmeb-3150	6	3	microcredit	microcredit	NOUN
ajbmeb-3150	6	4	,	,	PUNCT
ajbmeb-3150	6	5	commercial	commercial	ADJ
ajbmeb-3150	6	6	banks	bank	NOUN
ajbmeb-3150	6	7	,	,	PUNCT
ajbmeb-3150	6	8	retail	retail	ADJ
ajbmeb-3150	6	9	banking	banking	NOUN
ajbmeb-3150	6	10	services	service	NOUN
ajbmeb-3150	6	11	,	,	PUNCT
ajbmeb-3150	6	12	microfinance	microfinance	NOUN
ajbmeb-3150	6	13	,	,	PUNCT
ajbmeb-3150	6	14	financial	financial	ADJ
ajbmeb-3150	6	15	inclusion	inclusion	NOUN
ajbmeb-3150	6	16	,	,	PUNCT
ajbmeb-3150	6	17	interest	interest	NOUN
ajbmeb-3150	6	18	rate	rate	NOUN
ajbmeb-3150	6	19	,	,	PUNCT
ajbmeb-3150	6	20	credit	credit	NOUN
ajbmeb-3150	6	21	policy	policy	NOUN
ajbmeb-3150	6	22	,	,	PUNCT
ajbmeb-3150	6	23	public	public	ADJ
ajbmeb-3150	6	24	welfare	welfare	NOUN
ajbmeb-3150	6	25	,	,	PUNCT
ajbmeb-3150	6	26	financial	financial	ADJ
ajbmeb-3150	6	27	stability	stability	NOUN
ajbmeb-3150	6	28	introduction	introduction	NOUN
ajbmeb-3150	6	29	today	today	NOUN
ajbmeb-3150	6	30	,	,	PUNCT
ajbmeb-3150	6	31	the	the	DET
ajbmeb-3150	6	32	diversification	diversification	NOUN
ajbmeb-3150	6	33	of	of	ADP
ajbmeb-3150	6	34	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	6	35	’s	’s	PART
ajbmeb-3150	6	36	economy	economy	NOUN
ajbmeb-3150	6	37	,	,	PUNCT
ajbmeb-3150	6	38	the	the	DET
ajbmeb-3150	6	39	improvement	improvement	NOUN
ajbmeb-3150	6	40	of	of	ADP
ajbmeb-3150	6	41	the	the	DET
ajbmeb-3150	6	42	population	population	NOUN
ajbmeb-3150	6	43	’s	’s	PART
ajbmeb-3150	6	44	living	living	NOUN
ajbmeb-3150	6	45	standards	standard	NOUN
ajbmeb-3150	6	46	,	,	PUNCT
ajbmeb-3150	6	47	and	and	CCONJ
ajbmeb-3150	6	48	the	the	DET
ajbmeb-3150	6	49	enhancement	enhancement	NOUN
ajbmeb-3150	6	50	of	of	ADP
ajbmeb-3150	6	51	their	their	PRON
ajbmeb-3150	6	52	purchasing	purchase	VERB
ajbmeb-3150	6	53	power	power	NOUN
ajbmeb-3150	6	54	are	be	AUX
ajbmeb-3150	6	55	regarded	regard	VERB
ajbmeb-3150	6	56	as	as	ADP
ajbmeb-3150	6	57	key	key	ADJ
ajbmeb-3150	6	58	factors	factor	NOUN
ajbmeb-3150	6	59	in	in	ADP
ajbmeb-3150	6	60	ensuring	ensure	VERB
ajbmeb-3150	6	61	sustainable	sustainable	ADJ
ajbmeb-3150	6	62	economic	economic	ADJ
ajbmeb-3150	6	63	growth	growth	NOUN
ajbmeb-3150	6	64	in	in	ADP
ajbmeb-3150	6	65	the	the	DET
ajbmeb-3150	6	66	country	country	NOUN
ajbmeb-3150	6	67	.	.	PUNCT
ajbmeb-3150	7	1	in	in	ADP
ajbmeb-3150	7	2	this	this	DET
ajbmeb-3150	7	3	context	context	NOUN
ajbmeb-3150	7	4	,	,	PUNCT
ajbmeb-3150	7	5	the	the	DET
ajbmeb-3150	7	6	role	role	NOUN
ajbmeb-3150	7	7	of	of	ADP
ajbmeb-3150	7	8	the	the	DET
ajbmeb-3150	7	9	banking	banking	NOUN
ajbmeb-3150	7	10	and	and	CCONJ
ajbmeb-3150	7	11	financial	financial	ADJ
ajbmeb-3150	7	12	system	system	NOUN
ajbmeb-3150	7	13	in	in	ADP
ajbmeb-3150	7	14	providing	provide	VERB
ajbmeb-3150	7	15	the	the	DET
ajbmeb-3150	7	16	population	population	NOUN
ajbmeb-3150	7	17	,	,	PUNCT
ajbmeb-3150	7	18	including	include	VERB
ajbmeb-3150	7	19	self	self	NOUN
ajbmeb-3150	7	20	-	-	PUNCT
ajbmeb-3150	7	21	employed	employ	VERB
ajbmeb-3150	7	22	individuals	individual	NOUN
ajbmeb-3150	7	23	,	,	PUNCT
ajbmeb-3150	7	24	with	with	ADP
ajbmeb-3150	7	25	access	access	NOUN
ajbmeb-3150	7	26	to	to	ADP
ajbmeb-3150	7	27	financial	financial	ADJ
ajbmeb-3150	7	28	resources	resource	NOUN
ajbmeb-3150	7	29	is	be	AUX
ajbmeb-3150	7	30	steadily	steadily	ADV
ajbmeb-3150	7	31	increasing	increase	VERB
ajbmeb-3150	7	32	.	.	PUNCT
ajbmeb-3150	8	1	one	one	NUM
ajbmeb-3150	8	2	of	of	ADP
ajbmeb-3150	8	3	the	the	DET
ajbmeb-3150	8	4	main	main	ADJ
ajbmeb-3150	8	5	directions	direction	NOUN
ajbmeb-3150	8	6	of	of	ADP
ajbmeb-3150	8	7	retail	retail	ADJ
ajbmeb-3150	8	8	banking	banking	NOUN
ajbmeb-3150	8	9	services	service	NOUN
ajbmeb-3150	8	10	—	—	PUNCT
ajbmeb-3150	8	11	the	the	DET
ajbmeb-3150	8	12	practice	practice	NOUN
ajbmeb-3150	8	13	of	of	ADP
ajbmeb-3150	8	14	providing	provide	VERB
ajbmeb-3150	8	15	microloans	microloan	NOUN
ajbmeb-3150	8	16	—	—	PUNCT
ajbmeb-3150	8	17	serves	serve	VERB
ajbmeb-3150	8	18	as	as	ADP
ajbmeb-3150	8	19	an	an	DET
ajbmeb-3150	8	20	effective	effective	ADJ
ajbmeb-3150	8	21	instrument	instrument	NOUN
ajbmeb-3150	8	22	of	of	ADP
ajbmeb-3150	8	23	financial	financial	ADJ
ajbmeb-3150	8	24	support	support	NOUN
ajbmeb-3150	8	25	for	for	ADP
ajbmeb-3150	8	26	the	the	DET
ajbmeb-3150	8	27	population	population	NOUN
ajbmeb-3150	8	28	.	.	PUNCT
ajbmeb-3150	9	1	through	through	ADP
ajbmeb-3150	9	2	microloans	microloan	NOUN
ajbmeb-3150	9	3	,	,	PUNCT
ajbmeb-3150	9	4	individuals	individual	NOUN
ajbmeb-3150	9	5	are	be	AUX
ajbmeb-3150	9	6	given	give	VERB
ajbmeb-3150	9	7	the	the	DET
ajbmeb-3150	9	8	opportunity	opportunity	NOUN
ajbmeb-3150	9	9	to	to	PART
ajbmeb-3150	9	10	start	start	VERB
ajbmeb-3150	9	11	or	or	CCONJ
ajbmeb-3150	9	12	expand	expand	VERB
ajbmeb-3150	9	13	entrepreneurial	entrepreneurial	ADJ
ajbmeb-3150	9	14	activities	activity	NOUN
ajbmeb-3150	9	15	,	,	PUNCT
ajbmeb-3150	9	16	increase	increase	VERB
ajbmeb-3150	9	17	employment	employment	NOUN
ajbmeb-3150	9	18	,	,	PUNCT
ajbmeb-3150	9	19	and	and	CCONJ
ajbmeb-3150	9	20	contribute	contribute	VERB
ajbmeb-3150	9	21	to	to	ADP
ajbmeb-3150	9	22	ensuring	ensure	VERB
ajbmeb-3150	9	23	socio	socio	NOUN
ajbmeb-3150	9	24	-	-	PUNCT
ajbmeb-3150	9	25	economic	economic	ADJ
ajbmeb-3150	9	26	stability	stability	NOUN
ajbmeb-3150	9	27	.	.	PUNCT
ajbmeb-3150	10	1	microloans	microloan	NOUN
ajbmeb-3150	10	2	provide	provide	VERB
ajbmeb-3150	10	3	citizens	citizen	NOUN
ajbmeb-3150	10	4	with	with	ADP
ajbmeb-3150	10	5	the	the	DET
ajbmeb-3150	10	6	opportunity	opportunity	NOUN
ajbmeb-3150	10	7	to	to	PART
ajbmeb-3150	10	8	start	start	VERB
ajbmeb-3150	10	9	or	or	CCONJ
ajbmeb-3150	10	10	expand	expand	VERB
ajbmeb-3150	10	11	entrepreneurial	entrepreneurial	ADJ
ajbmeb-3150	10	12	activities	activity	NOUN
ajbmeb-3150	10	13	,	,	PUNCT
ajbmeb-3150	10	14	create	create	VERB
ajbmeb-3150	10	15	additional	additional	ADJ
ajbmeb-3150	10	16	sources	source	NOUN
ajbmeb-3150	10	17	of	of	ADP
ajbmeb-3150	10	18	income	income	NOUN
ajbmeb-3150	10	19	,	,	PUNCT
ajbmeb-3150	10	20	and	and	CCONJ
ajbmeb-3150	10	21	improve	improve	VERB
ajbmeb-3150	10	22	household	household	NOUN
ajbmeb-3150	10	23	welfare	welfare	NOUN
ajbmeb-3150	10	24	.	.	PUNCT
ajbmeb-3150	11	1	furthermore	furthermore	ADV
ajbmeb-3150	11	2	,	,	PUNCT
ajbmeb-3150	11	3	this	this	DET
ajbmeb-3150	11	4	type	type	NOUN
ajbmeb-3150	11	5	of	of	ADP
ajbmeb-3150	11	6	service	service	NOUN
ajbmeb-3150	11	7	enables	enable	VERB
ajbmeb-3150	11	8	banks	bank	NOUN
ajbmeb-3150	11	9	to	to	PART
ajbmeb-3150	11	10	establish	establish	VERB
ajbmeb-3150	11	11	long	long	ADJ
ajbmeb-3150	11	12	-	-	PUNCT
ajbmeb-3150	11	13	term	term	NOUN
ajbmeb-3150	11	14	and	and	CCONJ
ajbmeb-3150	11	15	mutually	mutually	ADV
ajbmeb-3150	11	16	beneficial	beneficial	ADJ
ajbmeb-3150	11	17	relationships	relationship	NOUN
ajbmeb-3150	11	18	with	with	ADP
ajbmeb-3150	11	19	their	their	PRON
ajbmeb-3150	11	20	clients	client	NOUN
ajbmeb-3150	11	21	.	.	PUNCT
ajbmeb-3150	12	1	in	in	ADP
ajbmeb-3150	12	2	recent	recent	ADJ
ajbmeb-3150	12	3	years	year	NOUN
ajbmeb-3150	12	4	,	,	PUNCT
ajbmeb-3150	12	5	a	a	DET
ajbmeb-3150	12	6	series	series	NOUN
ajbmeb-3150	12	7	of	of	ADP
ajbmeb-3150	12	8	reforms	reform	NOUN
ajbmeb-3150	12	9	have	have	AUX
ajbmeb-3150	12	10	been	be	AUX
ajbmeb-3150	12	11	implemented	implement	VERB
ajbmeb-3150	12	12	in	in	ADP
ajbmeb-3150	12	13	the	the	DET
ajbmeb-3150	12	14	country	country	NOUN
ajbmeb-3150	12	15	’s	’s	PART
ajbmeb-3150	12	16	banking	banking	NOUN
ajbmeb-3150	12	17	system	system	NOUN
ajbmeb-3150	12	18	aimed	aim	VERB
ajbmeb-3150	12	19	at	at	ADP
ajbmeb-3150	12	20	introducing	introduce	VERB
ajbmeb-3150	12	21	digital	digital	ADJ
ajbmeb-3150	12	22	technologies	technology	NOUN
ajbmeb-3150	12	23	,	,	PUNCT
ajbmeb-3150	12	24	developing	develop	VERB
ajbmeb-3150	12	25	remote	remote	ADJ
ajbmeb-3150	12	26	service	service	NOUN
ajbmeb-3150	12	27	platforms	platform	NOUN
ajbmeb-3150	12	28	,	,	PUNCT
ajbmeb-3150	12	29	and	and	CCONJ
ajbmeb-3150	12	30	improving	improve	VERB
ajbmeb-3150	12	31	the	the	DET
ajbmeb-3150	12	32	credit	credit	NOUN
ajbmeb-3150	12	33	risk	risk	NOUN
ajbmeb-3150	12	34	management	management	NOUN
ajbmeb-3150	12	35	framework	framework	NOUN
ajbmeb-3150	12	36	.	.	PUNCT
ajbmeb-3150	13	1	at	at	ADP
ajbmeb-3150	13	2	the	the	DET
ajbmeb-3150	13	3	same	same	ADJ
ajbmeb-3150	13	4	time	time	NOUN
ajbmeb-3150	13	5	,	,	PUNCT
ajbmeb-3150	13	6	the	the	DET
ajbmeb-3150	13	7	intensification	intensification	NOUN
ajbmeb-3150	13	8	of	of	ADP
ajbmeb-3150	13	9	competition	competition	NOUN
ajbmeb-3150	13	10	in	in	ADP
ajbmeb-3150	13	11	the	the	DET
ajbmeb-3150	13	12	microcredit	microcredit	NOUN
ajbmeb-3150	13	13	market	market	NOUN
ajbmeb-3150	13	14	,	,	PUNCT
ajbmeb-3150	13	15	american	american	ADJ
ajbmeb-3150	13	16	journal	journal	PROPN
ajbmeb-3150	13	17	of	of	ADP
ajbmeb-3150	13	18	business	business	NOUN
ajbmeb-3150	13	19	management	management	NOUN
ajbmeb-3150	13	20	,	,	PUNCT
ajbmeb-3150	13	21	economics	economic	NOUN
ajbmeb-3150	13	22	and	and	CCONJ
ajbmeb-3150	13	23	banking	banking	NOUN
ajbmeb-3150	13	24	volume	volume	NOUN
ajbmeb-3150	13	25	41	41	NUM
ajbmeb-3150	14	1	october2025	october2025	PROPN
ajbmeb-3150	14	2	p	p	NOUN
ajbmeb-3150	14	3	a	a	DET
ajbmeb-3150	14	4	g	g	NOUN
ajbmeb-3150	14	5	e	e	NOUN
ajbmeb-3150	14	6	|	|	ADV
ajbmeb-3150	14	7	97	97	NUM
ajbmeb-3150	14	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3150	14	9	the	the	DET
ajbmeb-3150	14	10	changing	change	VERB
ajbmeb-3150	14	11	needs	need	NOUN
ajbmeb-3150	14	12	of	of	ADP
ajbmeb-3150	14	13	clients	client	NOUN
ajbmeb-3150	14	14	,	,	PUNCT
ajbmeb-3150	14	15	and	and	CCONJ
ajbmeb-3150	14	16	the	the	DET
ajbmeb-3150	14	17	growing	grow	VERB
ajbmeb-3150	14	18	scale	scale	NOUN
ajbmeb-3150	14	19	of	of	ADP
ajbmeb-3150	14	20	economic	economic	ADJ
ajbmeb-3150	14	21	risks	risk	NOUN
ajbmeb-3150	14	22	require	require	VERB
ajbmeb-3150	14	23	banks	bank	NOUN
ajbmeb-3150	14	24	to	to	PART
ajbmeb-3150	14	25	adopt	adopt	VERB
ajbmeb-3150	14	26	new	new	ADJ
ajbmeb-3150	14	27	approaches	approach	NOUN
ajbmeb-3150	14	28	.	.	PUNCT
ajbmeb-3150	15	1	from	from	ADP
ajbmeb-3150	15	2	this	this	DET
ajbmeb-3150	15	3	perspective	perspective	NOUN
ajbmeb-3150	15	4	,	,	PUNCT
ajbmeb-3150	15	5	improving	improve	VERB
ajbmeb-3150	15	6	the	the	DET
ajbmeb-3150	15	7	practice	practice	NOUN
ajbmeb-3150	15	8	of	of	ADP
ajbmeb-3150	15	9	microcredit	microcredit	NOUN
ajbmeb-3150	15	10	provision	provision	NOUN
ajbmeb-3150	15	11	in	in	ADP
ajbmeb-3150	15	12	the	the	DET
ajbmeb-3150	15	13	delivery	delivery	NOUN
ajbmeb-3150	15	14	of	of	ADP
ajbmeb-3150	15	15	retail	retail	ADJ
ajbmeb-3150	15	16	banking	banking	NOUN
ajbmeb-3150	15	17	services	service	NOUN
ajbmeb-3150	15	18	is	be	AUX
ajbmeb-3150	15	19	of	of	ADP
ajbmeb-3150	15	20	critical	critical	ADJ
ajbmeb-3150	15	21	importance	importance	NOUN
ajbmeb-3150	15	22	not	not	PART
ajbmeb-3150	15	23	only	only	ADV
ajbmeb-3150	15	24	for	for	ADP
ajbmeb-3150	15	25	enhancing	enhance	VERB
ajbmeb-3150	15	26	the	the	DET
ajbmeb-3150	15	27	efficiency	efficiency	NOUN
ajbmeb-3150	15	28	of	of	ADP
ajbmeb-3150	15	29	banking	banking	NOUN
ajbmeb-3150	15	30	operations	operation	NOUN
ajbmeb-3150	15	31	,	,	PUNCT
ajbmeb-3150	15	32	but	but	CCONJ
ajbmeb-3150	15	33	also	also	ADV
ajbmeb-3150	15	34	for	for	ADP
ajbmeb-3150	15	35	ensuring	ensure	VERB
ajbmeb-3150	15	36	sustainable	sustainable	ADJ
ajbmeb-3150	15	37	economic	economic	ADJ
ajbmeb-3150	15	38	growth	growth	NOUN
ajbmeb-3150	15	39	and	and	CCONJ
ajbmeb-3150	15	40	improving	improve	VERB
ajbmeb-3150	15	41	the	the	DET
ajbmeb-3150	15	42	welfare	welfare	NOUN
ajbmeb-3150	15	43	of	of	ADP
ajbmeb-3150	15	44	the	the	DET
ajbmeb-3150	15	45	population	population	NOUN
ajbmeb-3150	15	46	.	.	PUNCT
ajbmeb-3150	16	1	thus	thus	ADV
ajbmeb-3150	16	2	,	,	PUNCT
ajbmeb-3150	16	3	improving	improve	VERB
ajbmeb-3150	16	4	the	the	DET
ajbmeb-3150	16	5	practice	practice	NOUN
ajbmeb-3150	16	6	of	of	ADP
ajbmeb-3150	16	7	microcredit	microcredit	NOUN
ajbmeb-3150	16	8	provision	provision	NOUN
ajbmeb-3150	16	9	in	in	ADP
ajbmeb-3150	16	10	retail	retail	ADJ
ajbmeb-3150	16	11	banking	banking	NOUN
ajbmeb-3150	16	12	services	service	NOUN
ajbmeb-3150	16	13	is	be	AUX
ajbmeb-3150	16	14	of	of	ADP
ajbmeb-3150	16	15	significant	significant	ADJ
ajbmeb-3150	16	16	relevance	relevance	NOUN
ajbmeb-3150	16	17	in	in	ADP
ajbmeb-3150	16	18	terms	term	NOUN
ajbmeb-3150	16	19	of	of	ADP
ajbmeb-3150	16	20	ensuring	ensure	VERB
ajbmeb-3150	16	21	the	the	DET
ajbmeb-3150	16	22	sustainable	sustainable	ADJ
ajbmeb-3150	16	23	development	development	NOUN
ajbmeb-3150	16	24	of	of	ADP
ajbmeb-3150	16	25	the	the	DET
ajbmeb-3150	16	26	national	national	ADJ
ajbmeb-3150	16	27	economy	economy	NOUN
ajbmeb-3150	16	28	,	,	PUNCT
ajbmeb-3150	16	29	enhancing	enhance	VERB
ajbmeb-3150	16	30	the	the	DET
ajbmeb-3150	16	31	welfare	welfare	NOUN
ajbmeb-3150	16	32	of	of	ADP
ajbmeb-3150	16	33	the	the	DET
ajbmeb-3150	16	34	population	population	NOUN
ajbmeb-3150	16	35	,	,	PUNCT
ajbmeb-3150	16	36	and	and	CCONJ
ajbmeb-3150	16	37	increasing	increase	VERB
ajbmeb-3150	16	38	the	the	DET
ajbmeb-3150	16	39	efficiency	efficiency	NOUN
ajbmeb-3150	16	40	of	of	ADP
ajbmeb-3150	16	41	the	the	DET
ajbmeb-3150	16	42	financial	financial	ADJ
ajbmeb-3150	16	43	market	market	NOUN
ajbmeb-3150	16	44	.	.	PUNCT
ajbmeb-3150	17	1	literature	literature	NOUN
ajbmeb-3150	17	2	review	review	VERB
ajbmeb-3150	17	3	the	the	DET
ajbmeb-3150	17	4	most	most	ADV
ajbmeb-3150	17	5	effective	effective	ADJ
ajbmeb-3150	17	6	way	way	NOUN
ajbmeb-3150	17	7	for	for	SCONJ
ajbmeb-3150	17	8	commercial	commercial	ADJ
ajbmeb-3150	17	9	banks	bank	NOUN
ajbmeb-3150	17	10	to	to	PART
ajbmeb-3150	17	11	ensure	ensure	VERB
ajbmeb-3150	17	12	competitiveness	competitiveness	NOUN
ajbmeb-3150	17	13	is	be	AUX
ajbmeb-3150	17	14	to	to	PART
ajbmeb-3150	17	15	gain	gain	VERB
ajbmeb-3150	17	16	the	the	DET
ajbmeb-3150	17	17	trust	trust	NOUN
ajbmeb-3150	17	18	of	of	ADP
ajbmeb-3150	17	19	their	their	PRON
ajbmeb-3150	17	20	clients	client	NOUN
ajbmeb-3150	17	21	,	,	PUNCT
ajbmeb-3150	17	22	create	create	VERB
ajbmeb-3150	17	23	maximum	maximum	ADJ
ajbmeb-3150	17	24	convenience	convenience	NOUN
ajbmeb-3150	17	25	for	for	ADP
ajbmeb-3150	17	26	them	they	PRON
ajbmeb-3150	17	27	,	,	PUNCT
ajbmeb-3150	17	28	and	and	CCONJ
ajbmeb-3150	17	29	continuously	continuously	ADV
ajbmeb-3150	17	30	improve	improve	VERB
ajbmeb-3150	17	31	the	the	DET
ajbmeb-3150	17	32	range	range	NOUN
ajbmeb-3150	17	33	,	,	PUNCT
ajbmeb-3150	17	34	quality	quality	NOUN
ajbmeb-3150	17	35	,	,	PUNCT
ajbmeb-3150	17	36	and	and	CCONJ
ajbmeb-3150	17	37	speed	speed	NOUN
ajbmeb-3150	17	38	of	of	ADP
ajbmeb-3150	17	39	services	service	NOUN
ajbmeb-3150	17	40	.	.	PUNCT
ajbmeb-3150	18	1	to	to	PART
ajbmeb-3150	18	2	maintain	maintain	VERB
ajbmeb-3150	18	3	competitiveness	competitiveness	NOUN
ajbmeb-3150	18	4	,	,	PUNCT
ajbmeb-3150	18	5	banks	bank	NOUN
ajbmeb-3150	18	6	increasingly	increasingly	ADV
ajbmeb-3150	18	7	need	need	VERB
ajbmeb-3150	18	8	to	to	PART
ajbmeb-3150	18	9	introduce	introduce	VERB
ajbmeb-3150	18	10	modern	modern	ADJ
ajbmeb-3150	18	11	banking	banking	NOUN
ajbmeb-3150	18	12	services	service	NOUN
ajbmeb-3150	18	13	and	and	CCONJ
ajbmeb-3150	18	14	make	make	VERB
ajbmeb-3150	18	15	greater	great	ADJ
ajbmeb-3150	18	16	use	use	NOUN
ajbmeb-3150	18	17	of	of	ADP
ajbmeb-3150	18	18	new	new	ADJ
ajbmeb-3150	18	19	technologies	technology	NOUN
ajbmeb-3150	18	20	.	.	PUNCT
ajbmeb-3150	19	1	globally	globally	ADV
ajbmeb-3150	19	2	,	,	PUNCT
ajbmeb-3150	19	3	the	the	DET
ajbmeb-3150	19	4	founder	founder	NOUN
ajbmeb-3150	19	5	of	of	ADP
ajbmeb-3150	19	6	the	the	DET
ajbmeb-3150	19	7	concept	concept	NOUN
ajbmeb-3150	19	8	of	of	ADP
ajbmeb-3150	19	9	providing	provide	VERB
ajbmeb-3150	19	10	small	small	ADJ
ajbmeb-3150	19	11	-	-	PUNCT
ajbmeb-3150	19	12	scale	scale	NOUN
ajbmeb-3150	19	13	loans	loan	NOUN
ajbmeb-3150	19	14	or	or	CCONJ
ajbmeb-3150	19	15	microfinance	microfinance	NOUN
ajbmeb-3150	19	16	to	to	ADP
ajbmeb-3150	19	17	the	the	DET
ajbmeb-3150	19	18	population	population	NOUN
ajbmeb-3150	19	19	is	be	AUX
ajbmeb-3150	19	20	recognized	recognize	VERB
ajbmeb-3150	19	21	as	as	ADP
ajbmeb-3150	19	22	muhammad	muhammad	PROPN
ajbmeb-3150	19	23	yunus	yunus	PROPN
ajbmeb-3150	19	24	,	,	PUNCT
ajbmeb-3150	19	25	a	a	DET
ajbmeb-3150	19	26	nobel	nobel	PROPN
ajbmeb-3150	19	27	prize	prize	PROPN
ajbmeb-3150	19	28	laureate	laureate	PROPN
ajbmeb-3150	19	29	from	from	ADP
ajbmeb-3150	19	30	bangladesh	bangladesh	PROPN
ajbmeb-3150	19	31	.	.	PUNCT
ajbmeb-3150	20	1	upon	upon	SCONJ
ajbmeb-3150	20	2	returning	return	VERB
ajbmeb-3150	20	3	to	to	ADP
ajbmeb-3150	20	4	his	his	PRON
ajbmeb-3150	20	5	homeland	homeland	NOUN
ajbmeb-3150	20	6	,	,	PUNCT
ajbmeb-3150	20	7	muhammad	muhammad	PROPN
ajbmeb-3150	20	8	yunus	yunus	PROPN
ajbmeb-3150	20	9	witnessed	witness	VERB
ajbmeb-3150	20	10	the	the	DET
ajbmeb-3150	20	11	real	real	ADJ
ajbmeb-3150	20	12	living	living	NOUN
ajbmeb-3150	20	13	conditions	condition	NOUN
ajbmeb-3150	20	14	of	of	ADP
ajbmeb-3150	20	15	the	the	DET
ajbmeb-3150	20	16	rural	rural	ADJ
ajbmeb-3150	20	17	population	population	NOUN
ajbmeb-3150	20	18	—	—	PUNCT
ajbmeb-3150	20	19	severe	severe	ADJ
ajbmeb-3150	20	20	poverty	poverty	NOUN
ajbmeb-3150	20	21	and	and	CCONJ
ajbmeb-3150	20	22	difficult	difficult	ADJ
ajbmeb-3150	20	23	livelihoods	livelihood	NOUN
ajbmeb-3150	20	24	.	.	PUNCT
ajbmeb-3150	21	1	he	he	PRON
ajbmeb-3150	21	2	observed	observe	VERB
ajbmeb-3150	21	3	that	that	SCONJ
ajbmeb-3150	21	4	despite	despite	SCONJ
ajbmeb-3150	21	5	their	their	PRON
ajbmeb-3150	21	6	hard	hard	ADJ
ajbmeb-3150	21	7	work	work	NOUN
ajbmeb-3150	21	8	,	,	PUNCT
ajbmeb-3150	21	9	people	people	NOUN
ajbmeb-3150	21	10	were	be	AUX
ajbmeb-3150	21	11	unable	unable	ADJ
ajbmeb-3150	21	12	to	to	PART
ajbmeb-3150	21	13	escape	escape	VERB
ajbmeb-3150	21	14	poverty	poverty	NOUN
ajbmeb-3150	21	15	due	due	ADP
ajbmeb-3150	21	16	to	to	ADP
ajbmeb-3150	21	17	the	the	DET
ajbmeb-3150	21	18	exploitation	exploitation	NOUN
ajbmeb-3150	21	19	of	of	ADP
ajbmeb-3150	21	20	local	local	ADJ
ajbmeb-3150	21	21	moneylenders	moneylender	NOUN
ajbmeb-3150	21	22	,	,	PUNCT
ajbmeb-3150	21	23	who	who	PRON
ajbmeb-3150	21	24	provided	provide	VERB
ajbmeb-3150	21	25	short	short	ADJ
ajbmeb-3150	21	26	-	-	PUNCT
ajbmeb-3150	21	27	term	term	NOUN
ajbmeb-3150	21	28	loans	loan	NOUN
ajbmeb-3150	21	29	at	at	ADP
ajbmeb-3150	21	30	excessively	excessively	ADV
ajbmeb-3150	21	31	high	high	ADJ
ajbmeb-3150	21	32	interest	interest	NOUN
ajbmeb-3150	21	33	rates	rate	NOUN
ajbmeb-3150	21	34	.	.	PUNCT
ajbmeb-3150	22	1	as	as	ADP
ajbmeb-3150	22	2	a	a	DET
ajbmeb-3150	22	3	result	result	NOUN
ajbmeb-3150	22	4	,	,	PUNCT
ajbmeb-3150	22	5	farmers	farmer	NOUN
ajbmeb-3150	22	6	were	be	AUX
ajbmeb-3150	22	7	often	often	ADV
ajbmeb-3150	22	8	forced	force	VERB
ajbmeb-3150	22	9	to	to	PART
ajbmeb-3150	22	10	sell	sell	VERB
ajbmeb-3150	22	11	their	their	PRON
ajbmeb-3150	22	12	products	product	NOUN
ajbmeb-3150	22	13	to	to	ADP
ajbmeb-3150	22	14	these	these	DET
ajbmeb-3150	22	15	same	same	ADJ
ajbmeb-3150	22	16	moneylenders	moneylender	NOUN
ajbmeb-3150	22	17	at	at	ADP
ajbmeb-3150	22	18	very	very	ADV
ajbmeb-3150	22	19	low	low	ADJ
ajbmeb-3150	22	20	prices	price	NOUN
ajbmeb-3150	22	21	,	,	PUNCT
ajbmeb-3150	22	22	even	even	ADV
ajbmeb-3150	22	23	before	before	ADP
ajbmeb-3150	22	24	bringing	bring	VERB
ajbmeb-3150	22	25	them	they	PRON
ajbmeb-3150	22	26	to	to	ADP
ajbmeb-3150	22	27	the	the	DET
ajbmeb-3150	22	28	market	market	NOUN
ajbmeb-3150	22	29	(	(	PUNCT
ajbmeb-3150	22	30	yunus	yunus	PROPN
ajbmeb-3150	22	31	,	,	PUNCT
ajbmeb-3150	22	32	2011	2011	NUM
ajbmeb-3150	22	33	)	)	PUNCT
ajbmeb-3150	22	34	.	.	PUNCT
ajbmeb-3150	23	1	in	in	ADP
ajbmeb-3150	23	2	response	response	NOUN
ajbmeb-3150	23	3	to	to	ADP
ajbmeb-3150	23	4	this	this	DET
ajbmeb-3150	23	5	situation	situation	NOUN
ajbmeb-3150	23	6	,	,	PUNCT
ajbmeb-3150	23	7	muhammad	muhammad	PROPN
ajbmeb-3150	23	8	yunus	yunus	PROPN
ajbmeb-3150	23	9	emphasized	emphasize	VERB
ajbmeb-3150	23	10	the	the	DET
ajbmeb-3150	23	11	necessity	necessity	NOUN
ajbmeb-3150	23	12	of	of	ADP
ajbmeb-3150	23	13	providing	provide	VERB
ajbmeb-3150	23	14	the	the	DET
ajbmeb-3150	23	15	poor	poor	ADJ
ajbmeb-3150	23	16	—	—	PUNCT
ajbmeb-3150	23	17	who	who	PRON
ajbmeb-3150	23	18	lacked	lack	VERB
ajbmeb-3150	23	19	access	access	NOUN
ajbmeb-3150	23	20	to	to	ADP
ajbmeb-3150	23	21	credit	credit	NOUN
ajbmeb-3150	23	22	—	—	PUNCT
ajbmeb-3150	23	23	with	with	SCONJ
ajbmeb-3150	23	24	the	the	DET
ajbmeb-3150	23	25	financial	financial	ADJ
ajbmeb-3150	23	26	means	mean	NOUN
ajbmeb-3150	23	27	to	to	PART
ajbmeb-3150	23	28	start	start	VERB
ajbmeb-3150	23	29	entrepreneurial	entrepreneurial	ADJ
ajbmeb-3150	23	30	activities	activity	NOUN
ajbmeb-3150	23	31	.	.	PUNCT
ajbmeb-3150	24	1	he	he	PRON
ajbmeb-3150	24	2	obtained	obtain	VERB
ajbmeb-3150	24	3	a	a	DET
ajbmeb-3150	24	4	loan	loan	NOUN
ajbmeb-3150	24	5	from	from	ADP
ajbmeb-3150	24	6	a	a	DET
ajbmeb-3150	24	7	local	local	ADJ
ajbmeb-3150	24	8	bank	bank	NOUN
ajbmeb-3150	24	9	to	to	PART
ajbmeb-3150	24	10	repay	repay	VERB
ajbmeb-3150	24	11	the	the	DET
ajbmeb-3150	24	12	debts	debt	NOUN
ajbmeb-3150	24	13	of	of	ADP
ajbmeb-3150	24	14	impoverished	impoverished	ADJ
ajbmeb-3150	24	15	villagers	villager	NOUN
ajbmeb-3150	24	16	and	and	CCONJ
ajbmeb-3150	24	17	then	then	ADV
ajbmeb-3150	24	18	began	begin	VERB
ajbmeb-3150	24	19	issuing	issue	VERB
ajbmeb-3150	24	20	loans	loan	NOUN
ajbmeb-3150	24	21	himself	himself	PRON
ajbmeb-3150	24	22	—	—	PUNCT
ajbmeb-3150	24	23	small	small	ADJ
ajbmeb-3150	24	24	,	,	PUNCT
ajbmeb-3150	24	25	collateral	collateral	NOUN
ajbmeb-3150	24	26	-	-	PUNCT
ajbmeb-3150	24	27	free	free	ADJ
ajbmeb-3150	24	28	,	,	PUNCT
ajbmeb-3150	24	29	and	and	CCONJ
ajbmeb-3150	24	30	guarantor	guarantor	NOUN
ajbmeb-3150	24	31	-	-	PUNCT
ajbmeb-3150	24	32	free	free	ADJ
ajbmeb-3150	24	33	loans	loan	NOUN
ajbmeb-3150	24	34	at	at	ADP
ajbmeb-3150	24	35	very	very	ADV
ajbmeb-3150	24	36	low	low	ADJ
ajbmeb-3150	24	37	interest	interest	NOUN
ajbmeb-3150	24	38	rates	rate	NOUN
ajbmeb-3150	24	39	,	,	PUNCT
ajbmeb-3150	24	40	intended	intend	VERB
ajbmeb-3150	24	41	not	not	PART
ajbmeb-3150	24	42	for	for	ADP
ajbmeb-3150	24	43	personal	personal	ADJ
ajbmeb-3150	24	44	consumption	consumption	NOUN
ajbmeb-3150	24	45	but	but	CCONJ
ajbmeb-3150	24	46	for	for	ADP
ajbmeb-3150	24	47	the	the	DET
ajbmeb-3150	24	48	development	development	NOUN
ajbmeb-3150	24	49	of	of	ADP
ajbmeb-3150	24	50	agricultural	agricultural	ADJ
ajbmeb-3150	24	51	and	and	CCONJ
ajbmeb-3150	24	52	business	business	NOUN
ajbmeb-3150	24	53	activities	activity	NOUN
ajbmeb-3150	24	54	.	.	PUNCT
ajbmeb-3150	25	1	he	he	PRON
ajbmeb-3150	25	2	firmly	firmly	ADV
ajbmeb-3150	25	3	believed	believe	VERB
ajbmeb-3150	25	4	that	that	SCONJ
ajbmeb-3150	25	5	if	if	SCONJ
ajbmeb-3150	25	6	given	give	VERB
ajbmeb-3150	25	7	the	the	DET
ajbmeb-3150	25	8	opportunity	opportunity	NOUN
ajbmeb-3150	25	9	,	,	PUNCT
ajbmeb-3150	25	10	the	the	DET
ajbmeb-3150	25	11	poor	poor	ADJ
ajbmeb-3150	25	12	would	would	AUX
ajbmeb-3150	25	13	undoubtedly	undoubtedly	ADV
ajbmeb-3150	25	14	repay	repay	VERB
ajbmeb-3150	25	15	their	their	PRON
ajbmeb-3150	25	16	loans	loan	NOUN
ajbmeb-3150	25	17	on	on	ADP
ajbmeb-3150	25	18	time	time	NOUN
ajbmeb-3150	25	19	(	(	PUNCT
ajbmeb-3150	25	20	yunus	yunus	PROPN
ajbmeb-3150	25	21	,	,	PUNCT
ajbmeb-3150	25	22	2008	2008	NUM
ajbmeb-3150	25	23	)	)	PUNCT
ajbmeb-3150	25	24	.	.	PUNCT
ajbmeb-3150	26	1	subsequently	subsequently	ADV
ajbmeb-3150	26	2	,	,	PUNCT
ajbmeb-3150	26	3	he	he	PRON
ajbmeb-3150	26	4	established	establish	VERB
ajbmeb-3150	26	5	the	the	DET
ajbmeb-3150	26	6	“	"	PUNCT
ajbmeb-3150	26	7	grameen	grameen	PROPN
ajbmeb-3150	26	8	bank	bank	PROPN
ajbmeb-3150	26	9	”	"	PUNCT
ajbmeb-3150	26	10	(	(	PUNCT
ajbmeb-3150	26	11	derived	derive	VERB
ajbmeb-3150	26	12	from	from	ADP
ajbmeb-3150	26	13	the	the	DET
ajbmeb-3150	26	14	english	english	ADJ
ajbmeb-3150	26	15	term	term	NOUN
ajbmeb-3150	26	16	grameen	grameen	PROPN
ajbmeb-3150	26	17	bank	bank	PROPN
ajbmeb-3150	26	18	,	,	PUNCT
ajbmeb-3150	26	19	meaning	mean	VERB
ajbmeb-3150	26	20	“	"	PUNCT
ajbmeb-3150	26	21	rural	rural	ADJ
ajbmeb-3150	26	22	bank	bank	NOUN
ajbmeb-3150	26	23	”	"	PUNCT
ajbmeb-3150	26	24	in	in	ADP
ajbmeb-3150	26	25	sanskrit	sanskrit	NOUN
ajbmeb-3150	26	26	)	)	PUNCT
ajbmeb-3150	26	27	and	and	CCONJ
ajbmeb-3150	26	28	initiated	initiate	VERB
ajbmeb-3150	26	29	the	the	DET
ajbmeb-3150	26	30	provision	provision	NOUN
ajbmeb-3150	26	31	of	of	ADP
ajbmeb-3150	26	32	loans	loan	NOUN
ajbmeb-3150	26	33	to	to	ADP
ajbmeb-3150	26	34	low	low	ADJ
ajbmeb-3150	26	35	-	-	PUNCT
ajbmeb-3150	26	36	income	income	NOUN
ajbmeb-3150	26	37	individuals	individual	NOUN
ajbmeb-3150	26	38	at	at	ADP
ajbmeb-3150	26	39	an	an	DET
ajbmeb-3150	26	40	annual	annual	ADJ
ajbmeb-3150	26	41	interest	interest	NOUN
ajbmeb-3150	26	42	rate	rate	NOUN
ajbmeb-3150	26	43	of	of	ADP
ajbmeb-3150	26	44	about	about	ADV
ajbmeb-3150	26	45	15	15	NUM
ajbmeb-3150	26	46	percent	percent	NOUN
ajbmeb-3150	26	47	.	.	PUNCT
ajbmeb-3150	27	1	the	the	DET
ajbmeb-3150	27	2	average	average	ADJ
ajbmeb-3150	27	3	loan	loan	NOUN
ajbmeb-3150	27	4	amount	amount	NOUN
ajbmeb-3150	27	5	was	be	AUX
ajbmeb-3150	27	6	approximately	approximately	ADV
ajbmeb-3150	27	7	100	100	NUM
ajbmeb-3150	27	8	usd	usd	NOUN
ajbmeb-3150	27	9	.	.	PUNCT
ajbmeb-3150	28	1	the	the	DET
ajbmeb-3150	28	2	very	very	ADV
ajbmeb-3150	28	3	low	low	ADJ
ajbmeb-3150	28	4	rate	rate	NOUN
ajbmeb-3150	28	5	of	of	ADP
ajbmeb-3150	28	6	non	non	ADJ
ajbmeb-3150	28	7	-	-	ADJ
ajbmeb-3150	28	8	performing	performing	ADJ
ajbmeb-3150	28	9	loans	loan	NOUN
ajbmeb-3150	28	10	(	(	PUNCT
ajbmeb-3150	28	11	0.5–3	0.5–3	NOUN
ajbmeb-3150	28	12	%	%	NOUN
ajbmeb-3150	28	13	)	)	PUNCT
ajbmeb-3150	28	14	enabled	enable	VERB
ajbmeb-3150	28	15	the	the	DET
ajbmeb-3150	28	16	bank	bank	NOUN
ajbmeb-3150	28	17	to	to	PART
ajbmeb-3150	28	18	become	become	VERB
ajbmeb-3150	28	19	profitable	profitable	ADJ
ajbmeb-3150	28	20	within	within	ADP
ajbmeb-3150	28	21	a	a	DET
ajbmeb-3150	28	22	short	short	ADJ
ajbmeb-3150	28	23	period	period	NOUN
ajbmeb-3150	28	24	and	and	CCONJ
ajbmeb-3150	28	25	to	to	PART
ajbmeb-3150	28	26	expand	expand	VERB
ajbmeb-3150	28	27	lending	lending	NOUN
ajbmeb-3150	28	28	to	to	ADP
ajbmeb-3150	28	29	the	the	DET
ajbmeb-3150	28	30	poor	poor	ADJ
ajbmeb-3150	28	31	segments	segment	NOUN
ajbmeb-3150	28	32	of	of	ADP
ajbmeb-3150	28	33	the	the	DET
ajbmeb-3150	28	34	population	population	NOUN
ajbmeb-3150	28	35	traditionally	traditionally	ADV
ajbmeb-3150	28	36	underserved	underserve	VERB
ajbmeb-3150	28	37	by	by	ADP
ajbmeb-3150	28	38	conventional	conventional	ADJ
ajbmeb-3150	28	39	banks	bank	NOUN
ajbmeb-3150	28	40	.	.	PUNCT
ajbmeb-3150	29	1	the	the	DET
ajbmeb-3150	29	2	repayment	repayment	NOUN
ajbmeb-3150	29	3	rate	rate	NOUN
ajbmeb-3150	29	4	of	of	ADP
ajbmeb-3150	29	5	loans	loan	NOUN
ajbmeb-3150	29	6	reached	reach	VERB
ajbmeb-3150	29	7	about	about	ADP
ajbmeb-3150	29	8	98	98	NUM
ajbmeb-3150	29	9	%	%	NOUN
ajbmeb-3150	29	10	,	,	PUNCT
ajbmeb-3150	29	11	while	while	SCONJ
ajbmeb-3150	29	12	delayed	delay	VERB
ajbmeb-3150	29	13	repayments	repayment	NOUN
ajbmeb-3150	29	14	accounted	account	VERB
ajbmeb-3150	29	15	for	for	ADP
ajbmeb-3150	29	16	roughly	roughly	ADV
ajbmeb-3150	29	17	20	20	NUM
ajbmeb-3150	29	18	%	%	NOUN
ajbmeb-3150	29	19	(	(	PUNCT
ajbmeb-3150	29	20	bogatova	bogatova	NOUN
ajbmeb-3150	29	21	and	and	CCONJ
ajbmeb-3150	29	22	zotova	zotova	PROPN
ajbmeb-3150	29	23	,	,	PUNCT
ajbmeb-3150	29	24	2017	2017	NUM
ajbmeb-3150	29	25	)	)	PUNCT
ajbmeb-3150	29	26	.	.	PUNCT
ajbmeb-3150	30	1	women	woman	NOUN
ajbmeb-3150	30	2	constituted	constitute	VERB
ajbmeb-3150	30	3	the	the	DET
ajbmeb-3150	30	4	overwhelming	overwhelming	ADJ
ajbmeb-3150	30	5	majority	majority	NOUN
ajbmeb-3150	30	6	—	—	PUNCT
ajbmeb-3150	30	7	around	around	ADP
ajbmeb-3150	30	8	97%—of	97%—of	NUM
ajbmeb-3150	30	9	the	the	DET
ajbmeb-3150	30	10	bank	bank	NOUN
ajbmeb-3150	30	11	’s	’s	PART
ajbmeb-3150	30	12	clients	client	NOUN
ajbmeb-3150	30	13	.	.	PUNCT
ajbmeb-3150	31	1	it	it	PRON
ajbmeb-3150	31	2	is	be	AUX
ajbmeb-3150	31	3	evident	evident	ADJ
ajbmeb-3150	31	4	from	from	ADP
ajbmeb-3150	31	5	this	this	PRON
ajbmeb-3150	31	6	that	that	SCONJ
ajbmeb-3150	31	7	providing	provide	VERB
ajbmeb-3150	31	8	the	the	DET
ajbmeb-3150	31	9	population	population	NOUN
ajbmeb-3150	31	10	with	with	ADP
ajbmeb-3150	31	11	small	small	ADJ
ajbmeb-3150	31	12	-	-	PUNCT
ajbmeb-3150	31	13	scale	scale	NOUN
ajbmeb-3150	31	14	loan	loan	NOUN
ajbmeb-3150	31	15	funds	fund	NOUN
ajbmeb-3150	31	16	has	have	AUX
ajbmeb-3150	31	17	contributed	contribute	VERB
ajbmeb-3150	31	18	to	to	ADP
ajbmeb-3150	31	19	improving	improve	VERB
ajbmeb-3150	31	20	their	their	PRON
ajbmeb-3150	31	21	living	living	NOUN
ajbmeb-3150	31	22	standards	standard	NOUN
ajbmeb-3150	31	23	and	and	CCONJ
ajbmeb-3150	31	24	has	have	AUX
ajbmeb-3150	31	25	created	create	VERB
ajbmeb-3150	31	26	opportunities	opportunity	NOUN
ajbmeb-3150	31	27	for	for	ADP
ajbmeb-3150	31	28	engaging	engage	VERB
ajbmeb-3150	31	29	in	in	ADP
ajbmeb-3150	31	30	entrepreneurial	entrepreneurial	ADJ
ajbmeb-3150	31	31	activities	activity	NOUN
ajbmeb-3150	31	32	.	.	PUNCT
ajbmeb-3150	32	1	currently	currently	ADV
ajbmeb-3150	32	2	,	,	PUNCT
ajbmeb-3150	32	3	the	the	DET
ajbmeb-3150	32	4	term	term	NOUN
ajbmeb-3150	32	5	“	"	PUNCT
ajbmeb-3150	32	6	microfinance	microfinance	NOUN
ajbmeb-3150	32	7	”	"	PUNCT
ajbmeb-3150	32	8	is	be	AUX
ajbmeb-3150	32	9	generally	generally	ADV
ajbmeb-3150	32	10	used	use	VERB
ajbmeb-3150	32	11	to	to	PART
ajbmeb-3150	32	12	refer	refer	VERB
ajbmeb-3150	32	13	to	to	ADP
ajbmeb-3150	32	14	a	a	DET
ajbmeb-3150	32	15	broad	broad	ADJ
ajbmeb-3150	32	16	range	range	NOUN
ajbmeb-3150	32	17	of	of	ADP
ajbmeb-3150	32	18	formal	formal	ADJ
ajbmeb-3150	32	19	financial	financial	ADJ
ajbmeb-3150	32	20	services	service	NOUN
ajbmeb-3150	32	21	aimed	aim	VERB
ajbmeb-3150	32	22	at	at	ADP
ajbmeb-3150	32	23	low	low	ADJ
ajbmeb-3150	32	24	-	-	PUNCT
ajbmeb-3150	32	25	income	income	NOUN
ajbmeb-3150	32	26	and	and	CCONJ
ajbmeb-3150	32	27	poor	poor	ADJ
ajbmeb-3150	32	28	segments	segment	NOUN
ajbmeb-3150	32	29	of	of	ADP
ajbmeb-3150	32	30	the	the	DET
ajbmeb-3150	32	31	population	population	NOUN
ajbmeb-3150	32	32	,	,	PUNCT
ajbmeb-3150	32	33	as	as	ADV
ajbmeb-3150	32	34	well	well	ADV
ajbmeb-3150	32	35	as	as	ADP
ajbmeb-3150	32	36	individuals	individual	NOUN
ajbmeb-3150	32	37	excluded	exclude	VERB
ajbmeb-3150	32	38	from	from	ADP
ajbmeb-3150	32	39	traditional	traditional	ADJ
ajbmeb-3150	32	40	financial	financial	ADJ
ajbmeb-3150	32	41	systems	system	NOUN
ajbmeb-3150	32	42	(	(	PUNCT
ajbmeb-3150	32	43	meki	meki	PROPN
ajbmeb-3150	32	44	and	and	CCONJ
ajbmeb-3150	32	45	quinn	quinn	PROPN
ajbmeb-3150	32	46	,	,	PUNCT
ajbmeb-3150	32	47	2024	2024	NUM
ajbmeb-3150	32	48	)	)	PUNCT
ajbmeb-3150	32	49	.	.	PUNCT
ajbmeb-3150	33	1	at	at	ADP
ajbmeb-3150	33	2	present	present	ADJ
ajbmeb-3150	33	3	,	,	PUNCT
ajbmeb-3150	33	4	the	the	DET
ajbmeb-3150	33	5	improvement	improvement	NOUN
ajbmeb-3150	33	6	in	in	ADP
ajbmeb-3150	33	7	the	the	DET
ajbmeb-3150	33	8	population	population	NOUN
ajbmeb-3150	33	9	’s	’s	PART
ajbmeb-3150	33	10	living	living	NOUN
ajbmeb-3150	33	11	standards	standard	NOUN
ajbmeb-3150	33	12	and	and	CCONJ
ajbmeb-3150	33	13	the	the	DET
ajbmeb-3150	33	14	acquisition	acquisition	NOUN
ajbmeb-3150	33	15	of	of	ADP
ajbmeb-3150	33	16	modern	modern	ADJ
ajbmeb-3150	33	17	knowledge	knowledge	NOUN
ajbmeb-3150	33	18	have	have	AUX
ajbmeb-3150	33	19	led	lead	VERB
ajbmeb-3150	33	20	to	to	ADP
ajbmeb-3150	33	21	an	an	DET
ajbmeb-3150	33	22	increased	increase	VERB
ajbmeb-3150	33	23	demand	demand	NOUN
ajbmeb-3150	33	24	for	for	ADP
ajbmeb-3150	33	25	new	new	ADJ
ajbmeb-3150	33	26	financial	financial	ADJ
ajbmeb-3150	33	27	services	service	NOUN
ajbmeb-3150	33	28	.	.	PUNCT
ajbmeb-3150	34	1	the	the	DET
ajbmeb-3150	34	2	speed	speed	NOUN
ajbmeb-3150	34	3	,	,	PUNCT
ajbmeb-3150	34	4	quality	quality	NOUN
ajbmeb-3150	34	5	,	,	PUNCT
ajbmeb-3150	34	6	accuracy	accuracy	NOUN
ajbmeb-3150	34	7	,	,	PUNCT
ajbmeb-3150	34	8	american	american	ADJ
ajbmeb-3150	34	9	journal	journal	PROPN
ajbmeb-3150	34	10	of	of	ADP
ajbmeb-3150	34	11	business	business	NOUN
ajbmeb-3150	34	12	management	management	NOUN
ajbmeb-3150	34	13	,	,	PUNCT
ajbmeb-3150	34	14	economics	economic	NOUN
ajbmeb-3150	34	15	and	and	CCONJ
ajbmeb-3150	34	16	banking	banking	NOUN
ajbmeb-3150	34	17	volume	volume	NOUN
ajbmeb-3150	34	18	41	41	NUM
ajbmeb-3150	35	1	october2025	october2025	PROPN
ajbmeb-3150	35	2	p	p	NOUN
ajbmeb-3150	35	3	a	a	DET
ajbmeb-3150	35	4	g	g	NOUN
ajbmeb-3150	35	5	e	e	NOUN
ajbmeb-3150	35	6	|	|	ADV
ajbmeb-3150	35	7	98	98	NUM
ajbmeb-3150	35	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3150	35	9	security	security	NOUN
ajbmeb-3150	35	10	,	,	PUNCT
ajbmeb-3150	35	11	and	and	CCONJ
ajbmeb-3150	35	12	reliability	reliability	NOUN
ajbmeb-3150	35	13	of	of	ADP
ajbmeb-3150	35	14	services	service	NOUN
ajbmeb-3150	35	15	provided	provide	VERB
ajbmeb-3150	35	16	by	by	ADP
ajbmeb-3150	35	17	commercial	commercial	ADJ
ajbmeb-3150	35	18	banks	bank	NOUN
ajbmeb-3150	35	19	are	be	AUX
ajbmeb-3150	35	20	among	among	ADP
ajbmeb-3150	35	21	the	the	DET
ajbmeb-3150	35	22	key	key	ADJ
ajbmeb-3150	35	23	requirements	requirement	NOUN
ajbmeb-3150	35	24	of	of	ADP
ajbmeb-3150	35	25	their	their	PRON
ajbmeb-3150	35	26	clients	client	NOUN
ajbmeb-3150	35	27	(	(	PUNCT
ajbmeb-3150	35	28	umarov	umarov	ADJ
ajbmeb-3150	35	29	,	,	PUNCT
ajbmeb-3150	35	30	2020	2020	NUM
ajbmeb-3150	35	31	)	)	PUNCT
ajbmeb-3150	35	32	.	.	PUNCT
ajbmeb-3150	36	1	among	among	ADP
ajbmeb-3150	36	2	such	such	ADJ
ajbmeb-3150	36	3	services	service	NOUN
ajbmeb-3150	36	4	are	be	AUX
ajbmeb-3150	36	5	microloans	microloan	NOUN
ajbmeb-3150	36	6	,	,	PUNCT
ajbmeb-3150	36	7	overdrafts	overdraft	NOUN
ajbmeb-3150	36	8	,	,	PUNCT
ajbmeb-3150	36	9	and	and	CCONJ
ajbmeb-3150	36	10	microcredits	microcredit	NOUN
ajbmeb-3150	36	11	.	.	PUNCT
ajbmeb-3150	37	1	these	these	DET
ajbmeb-3150	37	2	types	type	NOUN
ajbmeb-3150	37	3	of	of	ADP
ajbmeb-3150	37	4	loans	loan	NOUN
ajbmeb-3150	37	5	are	be	AUX
ajbmeb-3150	37	6	considered	consider	VERB
ajbmeb-3150	37	7	profitable	profitable	ADJ
ajbmeb-3150	37	8	in	in	ADP
ajbmeb-3150	37	9	terms	term	NOUN
ajbmeb-3150	37	10	of	of	ADP
ajbmeb-3150	37	11	income	income	NOUN
ajbmeb-3150	37	12	generation	generation	NOUN
ajbmeb-3150	37	13	but	but	CCONJ
ajbmeb-3150	37	14	are	be	AUX
ajbmeb-3150	37	15	also	also	ADV
ajbmeb-3150	37	16	characterized	characterize	VERB
ajbmeb-3150	37	17	by	by	ADP
ajbmeb-3150	37	18	a	a	DET
ajbmeb-3150	37	19	higher	high	ADJ
ajbmeb-3150	37	20	level	level	NOUN
ajbmeb-3150	37	21	of	of	ADP
ajbmeb-3150	37	22	risk	risk	NOUN
ajbmeb-3150	37	23	and	and	CCONJ
ajbmeb-3150	37	24	dependence	dependence	NOUN
ajbmeb-3150	37	25	on	on	ADP
ajbmeb-3150	37	26	the	the	DET
ajbmeb-3150	37	27	bank	bank	NOUN
ajbmeb-3150	37	28	’s	’s	PART
ajbmeb-3150	37	29	liquidity	liquidity	NOUN
ajbmeb-3150	37	30	.	.	PUNCT
ajbmeb-3150	38	1	individuals	individual	NOUN
ajbmeb-3150	38	2	can	can	AUX
ajbmeb-3150	38	3	meet	meet	VERB
ajbmeb-3150	38	4	their	their	PRON
ajbmeb-3150	38	5	short	short	ADJ
ajbmeb-3150	38	6	-	-	PUNCT
ajbmeb-3150	38	7	term	term	NOUN
ajbmeb-3150	38	8	financial	financial	ADJ
ajbmeb-3150	38	9	needs	need	NOUN
ajbmeb-3150	38	10	not	not	PART
ajbmeb-3150	38	11	only	only	ADV
ajbmeb-3150	38	12	through	through	ADP
ajbmeb-3150	38	13	microloans	microloan	NOUN
ajbmeb-3150	38	14	but	but	CCONJ
ajbmeb-3150	38	15	also	also	ADV
ajbmeb-3150	38	16	by	by	ADP
ajbmeb-3150	38	17	using	use	VERB
ajbmeb-3150	38	18	overdraft	overdraft	NOUN
ajbmeb-3150	38	19	or	or	CCONJ
ajbmeb-3150	38	20	microcredit	microcredit	NOUN
ajbmeb-3150	38	21	facilities	facility	NOUN
ajbmeb-3150	38	22	.	.	PUNCT
ajbmeb-3150	39	1	these	these	DET
ajbmeb-3150	39	2	types	type	NOUN
ajbmeb-3150	39	3	of	of	ADP
ajbmeb-3150	39	4	credit	credit	NOUN
ajbmeb-3150	39	5	provide	provide	VERB
ajbmeb-3150	39	6	the	the	DET
ajbmeb-3150	39	7	opportunity	opportunity	NOUN
ajbmeb-3150	39	8	to	to	PART
ajbmeb-3150	39	9	obtain	obtain	VERB
ajbmeb-3150	39	10	relatively	relatively	ADV
ajbmeb-3150	39	11	small	small	ADJ
ajbmeb-3150	39	12	amounts	amount	NOUN
ajbmeb-3150	39	13	of	of	ADP
ajbmeb-3150	39	14	funds	fund	NOUN
ajbmeb-3150	39	15	within	within	ADP
ajbmeb-3150	39	16	a	a	DET
ajbmeb-3150	39	17	short	short	ADJ
ajbmeb-3150	39	18	period	period	NOUN
ajbmeb-3150	39	19	,	,	PUNCT
ajbmeb-3150	39	20	thereby	thereby	ADV
ajbmeb-3150	39	21	serving	serve	VERB
ajbmeb-3150	39	22	as	as	ADP
ajbmeb-3150	39	23	convenient	convenient	ADJ
ajbmeb-3150	39	24	instruments	instrument	NOUN
ajbmeb-3150	39	25	for	for	ADP
ajbmeb-3150	39	26	addressing	address	VERB
ajbmeb-3150	39	27	immediate	immediate	ADJ
ajbmeb-3150	39	28	personal	personal	ADJ
ajbmeb-3150	39	29	financial	financial	ADJ
ajbmeb-3150	39	30	requirements	requirement	NOUN
ajbmeb-3150	39	31	.	.	PUNCT
ajbmeb-3150	40	1	in	in	ADP
ajbmeb-3150	40	2	2018	2018	NUM
ajbmeb-3150	40	3	,	,	PUNCT
ajbmeb-3150	40	4	the	the	DET
ajbmeb-3150	40	5	level	level	NOUN
ajbmeb-3150	40	6	of	of	ADP
ajbmeb-3150	40	7	microloan	microloan	NOUN
ajbmeb-3150	40	8	offerings	offering	NOUN
ajbmeb-3150	40	9	in	in	ADP
ajbmeb-3150	40	10	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	40	11	was	be	AUX
ajbmeb-3150	40	12	relatively	relatively	ADV
ajbmeb-3150	40	13	low	low	ADJ
ajbmeb-3150	40	14	.	.	PUNCT
ajbmeb-3150	41	1	it	it	PRON
ajbmeb-3150	41	2	was	be	AUX
ajbmeb-3150	41	3	noted	note	VERB
ajbmeb-3150	41	4	that	that	SCONJ
ajbmeb-3150	41	5	the	the	DET
ajbmeb-3150	41	6	absence	absence	NOUN
ajbmeb-3150	41	7	of	of	ADP
ajbmeb-3150	41	8	opportunities	opportunity	NOUN
ajbmeb-3150	41	9	for	for	ADP
ajbmeb-3150	41	10	commercial	commercial	ADJ
ajbmeb-3150	41	11	banks	bank	NOUN
ajbmeb-3150	41	12	to	to	PART
ajbmeb-3150	41	13	allocate	allocate	VERB
ajbmeb-3150	41	14	microloans	microloan	NOUN
ajbmeb-3150	41	15	hindered	hinder	VERB
ajbmeb-3150	41	16	the	the	DET
ajbmeb-3150	41	17	expansion	expansion	NOUN
ajbmeb-3150	41	18	of	of	ADP
ajbmeb-3150	41	19	access	access	NOUN
ajbmeb-3150	41	20	to	to	ADP
ajbmeb-3150	41	21	such	such	ADJ
ajbmeb-3150	41	22	financing	financing	NOUN
ajbmeb-3150	41	23	(	(	PUNCT
ajbmeb-3150	41	24	resolution	resolution	NOUN
ajbmeb-3150	41	25	,	,	PUNCT
ajbmeb-3150	41	26	2018	2018	NUM
ajbmeb-3150	41	27	)	)	PUNCT
ajbmeb-3150	41	28	.	.	PUNCT
ajbmeb-3150	42	1	the	the	DET
ajbmeb-3150	42	2	adoption	adoption	NOUN
ajbmeb-3150	42	3	of	of	ADP
ajbmeb-3150	42	4	presidential	presidential	ADJ
ajbmeb-3150	42	5	decree	decree	NOUN
ajbmeb-3150	42	6	no	no	INTJ
ajbmeb-3150	42	7	.	.	NOUN
ajbmeb-3150	42	8	3620	3620	NUM
ajbmeb-3150	42	9	of	of	ADP
ajbmeb-3150	42	10	the	the	DET
ajbmeb-3150	42	11	republic	republic	NOUN
ajbmeb-3150	42	12	of	of	ADP
ajbmeb-3150	42	13	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	42	14	on	on	ADP
ajbmeb-3150	42	15	march	march	PROPN
ajbmeb-3150	42	16	23	23	NUM
ajbmeb-3150	42	17	,	,	PUNCT
ajbmeb-3150	42	18	2018	2018	NUM
ajbmeb-3150	42	19	,	,	PUNCT
ajbmeb-3150	42	20	titled	title	VERB
ajbmeb-3150	42	21	“	"	PUNCT
ajbmeb-3150	42	22	on	on	ADP
ajbmeb-3150	42	23	additional	additional	ADJ
ajbmeb-3150	42	24	measures	measure	NOUN
ajbmeb-3150	42	25	to	to	PART
ajbmeb-3150	42	26	increase	increase	VERB
ajbmeb-3150	42	27	the	the	DET
ajbmeb-3150	42	28	accessibility	accessibility	NOUN
ajbmeb-3150	42	29	of	of	ADP
ajbmeb-3150	42	30	banking	banking	NOUN
ajbmeb-3150	42	31	services	service	NOUN
ajbmeb-3150	42	32	,	,	PUNCT
ajbmeb-3150	42	33	”	"	PUNCT
ajbmeb-3150	42	34	identified	identify	VERB
ajbmeb-3150	42	35	existing	exist	VERB
ajbmeb-3150	42	36	problems	problem	NOUN
ajbmeb-3150	42	37	in	in	ADP
ajbmeb-3150	42	38	the	the	DET
ajbmeb-3150	42	39	provision	provision	NOUN
ajbmeb-3150	42	40	of	of	ADP
ajbmeb-3150	42	41	banking	banking	NOUN
ajbmeb-3150	42	42	services	service	NOUN
ajbmeb-3150	42	43	and	and	CCONJ
ajbmeb-3150	42	44	outlined	outline	VERB
ajbmeb-3150	42	45	the	the	DET
ajbmeb-3150	42	46	actions	action	NOUN
ajbmeb-3150	42	47	to	to	PART
ajbmeb-3150	42	48	be	be	AUX
ajbmeb-3150	42	49	taken	take	VERB
ajbmeb-3150	42	50	by	by	ADP
ajbmeb-3150	42	51	banks	bank	NOUN
ajbmeb-3150	42	52	to	to	PART
ajbmeb-3150	42	53	address	address	VERB
ajbmeb-3150	42	54	these	these	DET
ajbmeb-3150	42	55	challenges	challenge	NOUN
ajbmeb-3150	42	56	.	.	PUNCT
ajbmeb-3150	43	1	commercial	commercial	ADJ
ajbmeb-3150	43	2	banks	bank	NOUN
ajbmeb-3150	43	3	,	,	PUNCT
ajbmeb-3150	43	4	while	while	SCONJ
ajbmeb-3150	43	5	providing	provide	VERB
ajbmeb-3150	43	6	banking	banking	NOUN
ajbmeb-3150	43	7	services	service	NOUN
ajbmeb-3150	43	8	under	under	ADP
ajbmeb-3150	43	9	favorable	favorable	ADJ
ajbmeb-3150	43	10	conditions	condition	NOUN
ajbmeb-3150	43	11	for	for	ADP
ajbmeb-3150	43	12	clients	client	NOUN
ajbmeb-3150	43	13	,	,	PUNCT
ajbmeb-3150	43	14	must	must	AUX
ajbmeb-3150	43	15	also	also	ADV
ajbmeb-3150	43	16	pay	pay	VERB
ajbmeb-3150	43	17	special	special	ADJ
ajbmeb-3150	43	18	attention	attention	NOUN
ajbmeb-3150	43	19	to	to	ADP
ajbmeb-3150	43	20	their	their	PRON
ajbmeb-3150	43	21	profitability	profitability	NOUN
ajbmeb-3150	43	22	,	,	PUNCT
ajbmeb-3150	43	23	risk	risk	NOUN
ajbmeb-3150	43	24	exposure	exposure	NOUN
ajbmeb-3150	43	25	,	,	PUNCT
ajbmeb-3150	43	26	and	and	CCONJ
ajbmeb-3150	43	27	liquidity	liquidity	NOUN
ajbmeb-3150	43	28	.	.	PUNCT
ajbmeb-3150	44	1	every	every	DET
ajbmeb-3150	44	2	individual	individual	ADJ
ajbmeb-3150	44	3	faces	face	VERB
ajbmeb-3150	44	4	financial	financial	ADJ
ajbmeb-3150	44	5	difficulties	difficulty	NOUN
ajbmeb-3150	44	6	at	at	ADP
ajbmeb-3150	44	7	certain	certain	ADJ
ajbmeb-3150	44	8	stages	stage	NOUN
ajbmeb-3150	44	9	of	of	ADP
ajbmeb-3150	44	10	life	life	NOUN
ajbmeb-3150	44	11	,	,	PUNCT
ajbmeb-3150	44	12	during	during	ADP
ajbmeb-3150	44	13	which	which	PRON
ajbmeb-3150	44	14	they	they	PRON
ajbmeb-3150	44	15	may	may	AUX
ajbmeb-3150	44	16	need	need	VERB
ajbmeb-3150	44	17	to	to	PART
ajbmeb-3150	44	18	borrow	borrow	VERB
ajbmeb-3150	44	19	money	money	NOUN
ajbmeb-3150	44	20	or	or	CCONJ
ajbmeb-3150	44	21	seek	seek	VERB
ajbmeb-3150	44	22	financial	financial	ADJ
ajbmeb-3150	44	23	assistance	assistance	NOUN
ajbmeb-3150	44	24	.	.	PUNCT
ajbmeb-3150	45	1	in	in	ADP
ajbmeb-3150	45	2	such	such	ADJ
ajbmeb-3150	45	3	circumstances	circumstance	NOUN
ajbmeb-3150	45	4	,	,	PUNCT
ajbmeb-3150	45	5	the	the	DET
ajbmeb-3150	45	6	role	role	NOUN
ajbmeb-3150	45	7	of	of	ADP
ajbmeb-3150	45	8	microloans	microloan	NOUN
ajbmeb-3150	45	9	in	in	ADP
ajbmeb-3150	45	10	providing	provide	VERB
ajbmeb-3150	45	11	financial	financial	ADJ
ajbmeb-3150	45	12	support	support	NOUN
ajbmeb-3150	45	13	becomes	become	VERB
ajbmeb-3150	45	14	particularly	particularly	ADV
ajbmeb-3150	45	15	significant	significant	ADJ
ajbmeb-3150	45	16	.	.	PUNCT
ajbmeb-3150	46	1	according	accord	VERB
ajbmeb-3150	46	2	to	to	ADP
ajbmeb-3150	46	3	the	the	DET
ajbmeb-3150	46	4	law	law	NOUN
ajbmeb-3150	46	5	,	,	PUNCT
ajbmeb-3150	46	6	“	"	PUNCT
ajbmeb-3150	46	7	a	a	DET
ajbmeb-3150	46	8	microloan	microloan	NOUN
ajbmeb-3150	46	9	is	be	AUX
ajbmeb-3150	46	10	defined	define	VERB
ajbmeb-3150	46	11	as	as	ADP
ajbmeb-3150	46	12	the	the	DET
ajbmeb-3150	46	13	provision	provision	NOUN
ajbmeb-3150	46	14	of	of	ADP
ajbmeb-3150	46	15	funds	fund	NOUN
ajbmeb-3150	46	16	to	to	ADP
ajbmeb-3150	46	17	an	an	DET
ajbmeb-3150	46	18	individual	individual	ADJ
ajbmeb-3150	46	19	borrower	borrower	NOUN
ajbmeb-3150	46	20	,	,	PUNCT
ajbmeb-3150	46	21	not	not	PART
ajbmeb-3150	46	22	exceeding	exceed	VERB
ajbmeb-3150	46	23	one	one	NUM
ajbmeb-3150	46	24	hundred	hundred	NUM
ajbmeb-3150	46	25	million	million	NUM
ajbmeb-3150	46	26	soums	soum	NOUN
ajbmeb-3150	46	27	,	,	PUNCT
ajbmeb-3150	46	28	on	on	ADP
ajbmeb-3150	46	29	the	the	DET
ajbmeb-3150	46	30	principles	principle	NOUN
ajbmeb-3150	46	31	of	of	ADP
ajbmeb-3150	46	32	repayment	repayment	NOUN
ajbmeb-3150	46	33	,	,	PUNCT
ajbmeb-3150	46	34	maturity	maturity	NOUN
ajbmeb-3150	46	35	,	,	PUNCT
ajbmeb-3150	46	36	and	and	CCONJ
ajbmeb-3150	46	37	payment	payment	NOUN
ajbmeb-3150	46	38	”	"	PUNCT
ajbmeb-3150	46	39	(	(	PUNCT
ajbmeb-3150	46	40	law	law	NOUN
ajbmeb-3150	46	41	,	,	PUNCT
ajbmeb-3150	46	42	2022	2022	NUM
ajbmeb-3150	46	43	)	)	PUNCT
ajbmeb-3150	46	44	.	.	PUNCT
ajbmeb-3150	47	1	in	in	ADP
ajbmeb-3150	47	2	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	47	3	,	,	PUNCT
ajbmeb-3150	47	4	the	the	DET
ajbmeb-3150	47	5	maximum	maximum	ADJ
ajbmeb-3150	47	6	amount	amount	NOUN
ajbmeb-3150	47	7	of	of	ADP
ajbmeb-3150	47	8	microloans	microloan	NOUN
ajbmeb-3150	47	9	issued	issue	VERB
ajbmeb-3150	47	10	by	by	ADP
ajbmeb-3150	47	11	commercial	commercial	ADJ
ajbmeb-3150	47	12	banks	bank	NOUN
ajbmeb-3150	47	13	and	and	CCONJ
ajbmeb-3150	47	14	microcredit	microcredit	NOUN
ajbmeb-3150	47	15	organizations	organization	NOUN
ajbmeb-3150	47	16	is	be	AUX
ajbmeb-3150	47	17	currently	currently	ADV
ajbmeb-3150	47	18	set	set	VERB
ajbmeb-3150	47	19	at	at	ADP
ajbmeb-3150	47	20	100	100	NUM
ajbmeb-3150	47	21	million	million	NUM
ajbmeb-3150	47	22	soums	soum	NOUN
ajbmeb-3150	47	23	.	.	PUNCT
ajbmeb-3150	48	1	initially	initially	ADV
ajbmeb-3150	48	2	,	,	PUNCT
ajbmeb-3150	48	3	the	the	DET
ajbmeb-3150	48	4	amount	amount	NOUN
ajbmeb-3150	48	5	of	of	ADP
ajbmeb-3150	48	6	a	a	DET
ajbmeb-3150	48	7	microloan	microloan	NOUN
ajbmeb-3150	48	8	was	be	AUX
ajbmeb-3150	48	9	limited	limit	VERB
ajbmeb-3150	48	10	to	to	ADP
ajbmeb-3150	48	11	no	no	DET
ajbmeb-3150	48	12	more	more	ADJ
ajbmeb-3150	48	13	than	than	ADP
ajbmeb-3150	48	14	one	one	NUM
ajbmeb-3150	48	15	hundred	hundred	NUM
ajbmeb-3150	48	16	times	time	NOUN
ajbmeb-3150	48	17	the	the	DET
ajbmeb-3150	48	18	minimum	minimum	ADJ
ajbmeb-3150	48	19	wage	wage	NOUN
ajbmeb-3150	48	20	,	,	PUNCT
ajbmeb-3150	48	21	later	later	ADV
ajbmeb-3150	48	22	revised	revise	VERB
ajbmeb-3150	48	23	to	to	ADP
ajbmeb-3150	48	24	no	no	DET
ajbmeb-3150	48	25	more	more	ADJ
ajbmeb-3150	48	26	than	than	ADP
ajbmeb-3150	48	27	one	one	NUM
ajbmeb-3150	48	28	hundred	hundred	NUM
ajbmeb-3150	48	29	times	time	NOUN
ajbmeb-3150	48	30	the	the	DET
ajbmeb-3150	48	31	base	base	NOUN
ajbmeb-3150	48	32	calculation	calculation	NOUN
ajbmeb-3150	48	33	value	value	NOUN
ajbmeb-3150	48	34	,	,	PUNCT
ajbmeb-3150	48	35	equivalent	equivalent	ADJ
ajbmeb-3150	48	36	to	to	ADP
ajbmeb-3150	48	37	50	50	NUM
ajbmeb-3150	48	38	million	million	NUM
ajbmeb-3150	48	39	soums	soum	NOUN
ajbmeb-3150	48	40	.	.	PUNCT
ajbmeb-3150	49	1	in	in	ADP
ajbmeb-3150	49	2	the	the	DET
ajbmeb-3150	49	3	early	early	ADJ
ajbmeb-3150	49	4	stages	stage	NOUN
ajbmeb-3150	49	5	,	,	PUNCT
ajbmeb-3150	49	6	microloans	microloan	NOUN
ajbmeb-3150	49	7	were	be	AUX
ajbmeb-3150	49	8	issued	issue	VERB
ajbmeb-3150	49	9	exclusively	exclusively	ADV
ajbmeb-3150	49	10	by	by	ADP
ajbmeb-3150	49	11	microcredit	microcredit	NOUN
ajbmeb-3150	49	12	organizations	organization	NOUN
ajbmeb-3150	49	13	.	.	PUNCT
ajbmeb-3150	50	1	the	the	DET
ajbmeb-3150	50	2	availability	availability	NOUN
ajbmeb-3150	50	3	of	of	ADP
ajbmeb-3150	50	4	microloans	microloan	NOUN
ajbmeb-3150	50	5	may	may	AUX
ajbmeb-3150	50	6	also	also	ADV
ajbmeb-3150	50	7	give	give	VERB
ajbmeb-3150	50	8	rise	rise	NOUN
ajbmeb-3150	50	9	to	to	ADP
ajbmeb-3150	50	10	certain	certain	ADJ
ajbmeb-3150	50	11	problems	problem	NOUN
ajbmeb-3150	50	12	.	.	PUNCT
ajbmeb-3150	51	1	such	such	ADJ
ajbmeb-3150	51	2	issues	issue	NOUN
ajbmeb-3150	51	3	are	be	AUX
ajbmeb-3150	51	4	primarily	primarily	ADV
ajbmeb-3150	51	5	associated	associate	VERB
ajbmeb-3150	51	6	with	with	ADP
ajbmeb-3150	51	7	the	the	DET
ajbmeb-3150	51	8	activities	activity	NOUN
ajbmeb-3150	51	9	of	of	ADP
ajbmeb-3150	51	10	illegal	illegal	ADJ
ajbmeb-3150	51	11	lenders	lender	NOUN
ajbmeb-3150	51	12	,	,	PUNCT
ajbmeb-3150	51	13	the	the	DET
ajbmeb-3150	51	14	low	low	ADJ
ajbmeb-3150	51	15	level	level	NOUN
ajbmeb-3150	51	16	of	of	ADP
ajbmeb-3150	51	17	financial	financial	ADJ
ajbmeb-3150	51	18	literacy	literacy	NOUN
ajbmeb-3150	51	19	among	among	ADP
ajbmeb-3150	51	20	borrowers	borrower	NOUN
ajbmeb-3150	51	21	,	,	PUNCT
ajbmeb-3150	51	22	and	and	CCONJ
ajbmeb-3150	51	23	their	their	PRON
ajbmeb-3150	51	24	insufficient	insufficient	ADJ
ajbmeb-3150	51	25	understanding	understanding	NOUN
ajbmeb-3150	51	26	of	of	ADP
ajbmeb-3150	51	27	the	the	DET
ajbmeb-3150	51	28	terms	term	NOUN
ajbmeb-3150	51	29	and	and	CCONJ
ajbmeb-3150	51	30	consequences	consequence	NOUN
ajbmeb-3150	51	31	of	of	ADP
ajbmeb-3150	51	32	taking	take	VERB
ajbmeb-3150	51	33	microloans	microloan	NOUN
ajbmeb-3150	51	34	(	(	PUNCT
ajbmeb-3150	51	35	shchurina	shchurina	NOUN
ajbmeb-3150	51	36	,	,	PUNCT
ajbmeb-3150	51	37	2021	2021	NUM
ajbmeb-3150	51	38	)	)	PUNCT
ajbmeb-3150	51	39	.	.	PUNCT
ajbmeb-3150	52	1	in	in	ADP
ajbmeb-3150	52	2	the	the	DET
ajbmeb-3150	52	3	russian	russian	PROPN
ajbmeb-3150	52	4	federation	federation	PROPN
ajbmeb-3150	52	5	,	,	PUNCT
ajbmeb-3150	52	6	microloans	microloan	NOUN
ajbmeb-3150	52	7	are	be	AUX
ajbmeb-3150	52	8	primarily	primarily	ADV
ajbmeb-3150	52	9	provided	provide	VERB
ajbmeb-3150	52	10	by	by	ADP
ajbmeb-3150	52	11	microfinance	microfinance	NOUN
ajbmeb-3150	52	12	organizations	organization	NOUN
ajbmeb-3150	52	13	—	—	PUNCT
ajbmeb-3150	52	14	up	up	ADP
ajbmeb-3150	52	15	to	to	PART
ajbmeb-3150	52	16	5.0	5.0	NUM
ajbmeb-3150	52	17	million	million	NUM
ajbmeb-3150	52	18	rubles	ruble	NOUN
ajbmeb-3150	52	19	for	for	ADP
ajbmeb-3150	52	20	legal	legal	ADJ
ajbmeb-3150	52	21	entities	entity	NOUN
ajbmeb-3150	52	22	and	and	CCONJ
ajbmeb-3150	52	23	up	up	ADP
ajbmeb-3150	52	24	to	to	PART
ajbmeb-3150	52	25	1.0	1.0	NUM
ajbmeb-3150	52	26	million	million	NUM
ajbmeb-3150	52	27	rubles	ruble	NOUN
ajbmeb-3150	52	28	for	for	ADP
ajbmeb-3150	52	29	individuals	individual	NOUN
ajbmeb-3150	52	30	(	(	PUNCT
ajbmeb-3150	52	31	fincult	fincult	NOUN
ajbmeb-3150	52	32	,	,	PUNCT
ajbmeb-3150	52	33	2024	2024	NUM
ajbmeb-3150	52	34	)	)	PUNCT
ajbmeb-3150	52	35	.	.	PUNCT
ajbmeb-3150	53	1	this	this	PRON
ajbmeb-3150	53	2	indicates	indicate	VERB
ajbmeb-3150	53	3	that	that	SCONJ
ajbmeb-3150	53	4	microloans	microloan	NOUN
ajbmeb-3150	53	5	are	be	AUX
ajbmeb-3150	53	6	extended	extend	VERB
ajbmeb-3150	53	7	not	not	PART
ajbmeb-3150	53	8	only	only	ADV
ajbmeb-3150	53	9	to	to	ADP
ajbmeb-3150	53	10	individuals	individual	NOUN
ajbmeb-3150	53	11	but	but	CCONJ
ajbmeb-3150	53	12	also	also	ADV
ajbmeb-3150	53	13	to	to	ADP
ajbmeb-3150	53	14	legal	legal	ADJ
ajbmeb-3150	53	15	entities	entity	NOUN
ajbmeb-3150	53	16	.	.	PUNCT
ajbmeb-3150	54	1	in	in	ADP
ajbmeb-3150	54	2	the	the	DET
ajbmeb-3150	54	3	united	united	PROPN
ajbmeb-3150	54	4	states	states	PROPN
ajbmeb-3150	54	5	,	,	PUNCT
ajbmeb-3150	54	6	the	the	DET
ajbmeb-3150	54	7	maximum	maximum	ADJ
ajbmeb-3150	54	8	amount	amount	NOUN
ajbmeb-3150	54	9	of	of	ADP
ajbmeb-3150	54	10	a	a	DET
ajbmeb-3150	54	11	microloan	microloan	NOUN
ajbmeb-3150	54	12	is	be	AUX
ajbmeb-3150	54	13	also	also	ADV
ajbmeb-3150	54	14	regulated	regulate	VERB
ajbmeb-3150	54	15	and	and	CCONJ
ajbmeb-3150	54	16	is	be	AUX
ajbmeb-3150	54	17	provided	provide	VERB
ajbmeb-3150	54	18	to	to	ADP
ajbmeb-3150	54	19	individuals	individual	NOUN
ajbmeb-3150	54	20	and	and	CCONJ
ajbmeb-3150	54	21	small	small	ADJ
ajbmeb-3150	54	22	business	business	NOUN
ajbmeb-3150	54	23	entities	entity	NOUN
ajbmeb-3150	54	24	.	.	PUNCT
ajbmeb-3150	55	1	it	it	PRON
ajbmeb-3150	55	2	is	be	AUX
ajbmeb-3150	55	3	generally	generally	ADV
ajbmeb-3150	55	4	regarded	regard	VERB
ajbmeb-3150	55	5	as	as	ADP
ajbmeb-3150	55	6	a	a	DET
ajbmeb-3150	55	7	small	small	ADJ
ajbmeb-3150	55	8	business	business	NOUN
ajbmeb-3150	55	9	loan	loan	NOUN
ajbmeb-3150	55	10	of	of	ADP
ajbmeb-3150	55	11	up	up	ADP
ajbmeb-3150	55	12	to	to	PART
ajbmeb-3150	55	13	50,000	50,000	NUM
ajbmeb-3150	55	14	usd	usd	NOUN
ajbmeb-3150	55	15	(	(	PUNCT
ajbmeb-3150	55	16	fan	fan	NOUN
ajbmeb-3150	55	17	and	and	CCONJ
ajbmeb-3150	55	18	anne	anne	PROPN
ajbmeb-3150	55	19	,	,	PUNCT
ajbmeb-3150	55	20	2021	2021	NUM
ajbmeb-3150	55	21	)	)	PUNCT
ajbmeb-3150	55	22	.	.	PUNCT
ajbmeb-3150	56	1	such	such	ADJ
ajbmeb-3150	56	2	small	small	ADJ
ajbmeb-3150	56	3	business	business	NOUN
ajbmeb-3150	56	4	loans	loan	NOUN
ajbmeb-3150	56	5	are	be	AUX
ajbmeb-3150	56	6	intended	intend	VERB
ajbmeb-3150	56	7	for	for	ADP
ajbmeb-3150	56	8	entrepreneurs	entrepreneur	NOUN
ajbmeb-3150	56	9	who	who	PRON
ajbmeb-3150	56	10	lack	lack	VERB
ajbmeb-3150	56	11	access	access	NOUN
ajbmeb-3150	56	12	to	to	ADP
ajbmeb-3150	56	13	traditional	traditional	ADJ
ajbmeb-3150	56	14	sources	source	NOUN
ajbmeb-3150	56	15	of	of	ADP
ajbmeb-3150	56	16	financing	financing	NOUN
ajbmeb-3150	56	17	,	,	PUNCT
ajbmeb-3150	56	18	including	include	VERB
ajbmeb-3150	56	19	startup	startup	NOUN
ajbmeb-3150	56	20	founders	founder	NOUN
ajbmeb-3150	56	21	and	and	CCONJ
ajbmeb-3150	56	22	individuals	individual	NOUN
ajbmeb-3150	56	23	with	with	ADP
ajbmeb-3150	56	24	unsatisfactory	unsatisfactory	ADJ
ajbmeb-3150	56	25	credit	credit	NOUN
ajbmeb-3150	56	26	histories	history	NOUN
ajbmeb-3150	56	27	.	.	PUNCT
ajbmeb-3150	57	1	analysis	analysis	NOUN
ajbmeb-3150	57	2	and	and	CCONJ
ajbmeb-3150	57	3	results	result	NOUN
ajbmeb-3150	57	4	at	at	ADP
ajbmeb-3150	57	5	present	present	ADJ
ajbmeb-3150	57	6	,	,	PUNCT
ajbmeb-3150	57	7	microloans	microloan	NOUN
ajbmeb-3150	57	8	are	be	AUX
ajbmeb-3150	57	9	becoming	become	VERB
ajbmeb-3150	57	10	increasingly	increasingly	ADV
ajbmeb-3150	57	11	popular	popular	ADJ
ajbmeb-3150	57	12	among	among	ADP
ajbmeb-3150	57	13	the	the	DET
ajbmeb-3150	57	14	population	population	NOUN
ajbmeb-3150	57	15	and	and	CCONJ
ajbmeb-3150	57	16	are	be	AUX
ajbmeb-3150	57	17	being	be	AUX
ajbmeb-3150	57	18	widely	widely	ADV
ajbmeb-3150	57	19	offered	offer	VERB
ajbmeb-3150	57	20	by	by	ADP
ajbmeb-3150	57	21	commercial	commercial	ADJ
ajbmeb-3150	57	22	banks	bank	NOUN
ajbmeb-3150	57	23	.	.	PUNCT
ajbmeb-3150	58	1	microloans	microloan	NOUN
ajbmeb-3150	58	2	are	be	AUX
ajbmeb-3150	58	3	provided	provide	VERB
ajbmeb-3150	58	4	either	either	CCONJ
ajbmeb-3150	58	5	in	in	ADP
ajbmeb-3150	58	6	cash	cash	NOUN
ajbmeb-3150	58	7	or	or	CCONJ
ajbmeb-3150	58	8	through	through	ADP
ajbmeb-3150	58	9	non	non	ADJ
ajbmeb-3150	58	10	-	-	ADJ
ajbmeb-3150	58	11	cash	cash	ADJ
ajbmeb-3150	58	12	transfers	transfer	NOUN
ajbmeb-3150	58	13	.	.	PUNCT
ajbmeb-3150	59	1	the	the	DET
ajbmeb-3150	59	2	experience	experience	NOUN
ajbmeb-3150	59	3	of	of	ADP
ajbmeb-3150	59	4	the	the	DET
ajbmeb-3150	59	5	pandemic	pandemic	ADJ
ajbmeb-3150	59	6	period	period	NOUN
ajbmeb-3150	59	7	demonstrated	demonstrate	VERB
ajbmeb-3150	59	8	the	the	DET
ajbmeb-3150	59	9	growing	grow	VERB
ajbmeb-3150	59	10	importance	importance	NOUN
ajbmeb-3150	59	11	of	of	ADP
ajbmeb-3150	59	12	microloans	microloan	NOUN
ajbmeb-3150	59	13	for	for	ADP
ajbmeb-3150	59	14	the	the	DET
ajbmeb-3150	59	15	american	american	ADJ
ajbmeb-3150	59	16	journal	journal	PROPN
ajbmeb-3150	59	17	of	of	ADP
ajbmeb-3150	59	18	business	business	NOUN
ajbmeb-3150	59	19	management	management	NOUN
ajbmeb-3150	59	20	,	,	PUNCT
ajbmeb-3150	59	21	economics	economic	NOUN
ajbmeb-3150	59	22	and	and	CCONJ
ajbmeb-3150	59	23	banking	banking	NOUN
ajbmeb-3150	59	24	volume	volume	NOUN
ajbmeb-3150	59	25	41	41	NUM
ajbmeb-3150	60	1	october2025	october2025	PROPN
ajbmeb-3150	60	2	p	p	NOUN
ajbmeb-3150	60	3	a	a	DET
ajbmeb-3150	60	4	g	g	NOUN
ajbmeb-3150	60	5	e	e	NOUN
ajbmeb-3150	60	6	|	|	ADV
ajbmeb-3150	60	7	99	99	NUM
ajbmeb-3150	60	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3150	60	9	population	population	NOUN
ajbmeb-3150	60	10	.	.	PUNCT
ajbmeb-3150	61	1	when	when	SCONJ
ajbmeb-3150	61	2	household	household	NOUN
ajbmeb-3150	61	3	incomes	income	NOUN
ajbmeb-3150	61	4	decreased	decrease	VERB
ajbmeb-3150	61	5	and	and	CCONJ
ajbmeb-3150	61	6	short	short	ADJ
ajbmeb-3150	61	7	-	-	PUNCT
ajbmeb-3150	61	8	term	term	NOUN
ajbmeb-3150	61	9	financial	financial	ADJ
ajbmeb-3150	61	10	needs	need	NOUN
ajbmeb-3150	61	11	arose	arise	VERB
ajbmeb-3150	61	12	,	,	PUNCT
ajbmeb-3150	61	13	the	the	DET
ajbmeb-3150	61	14	demand	demand	NOUN
ajbmeb-3150	61	15	for	for	ADP
ajbmeb-3150	61	16	microloans	microloan	NOUN
ajbmeb-3150	61	17	increased	increase	VERB
ajbmeb-3150	61	18	accordingly	accordingly	ADV
ajbmeb-3150	61	19	.	.	PUNCT
ajbmeb-3150	62	1	table	table	NOUN
ajbmeb-3150	62	2	1	1	NUM
ajbmeb-3150	62	3	information	information	NOUN
ajbmeb-3150	62	4	on	on	ADP
ajbmeb-3150	62	5	microloans	microloan	NOUN
ajbmeb-3150	62	6	issued	issue	VERB
ajbmeb-3150	62	7	by	by	ADP
ajbmeb-3150	62	8	commercial	commercial	ADJ
ajbmeb-3150	62	9	banks1	banks1	NOUN
ajbmeb-3150	62	10	as	as	ADP
ajbmeb-3150	62	11	of	of	ADP
ajbmeb-3150	62	12	october	october	PROPN
ajbmeb-3150	62	13	2025	2025	NUM
ajbmeb-3150	62	14	bank	bank	NOUN
ajbmeb-3150	62	15	name	name	NOUN
ajbmeb-3150	62	16	interest	interest	NOUN
ajbmeb-3150	62	17	rate	rate	NOUN
ajbmeb-3150	62	18	term	term	NOUN
ajbmeb-3150	62	19	(	(	PUNCT
ajbmeb-3150	62	20	months	month	NOUN
ajbmeb-3150	62	21	)	)	PUNCT
ajbmeb-3150	62	22	maximum	maximum	ADJ
ajbmeb-3150	62	23	amount	amount	NOUN
ajbmeb-3150	62	24	(	(	PUNCT
ajbmeb-3150	62	25	million	million	NUM
ajbmeb-3150	62	26	soums	soum	NOUN
ajbmeb-3150	62	27	)	)	PUNCT
ajbmeb-3150	62	28	method	method	NOUN
ajbmeb-3150	62	29	of	of	ADP
ajbmeb-3150	62	30	microloan	microloan	NOUN
ajbmeb-3150	62	31	issuance	issuance	NOUN
ajbmeb-3150	62	32	jsc	jsc	NOUN
ajbmeb-3150	62	33	“	"	PUNCT
ajbmeb-3150	62	34	uzmilliybank	uzmilliybank	NOUN
ajbmeb-3150	62	35	”	"	PUNCT
ajbmeb-3150	62	36	26	26	NUM
ajbmeb-3150	62	37	%	%	NOUN
ajbmeb-3150	62	38	1	1	NUM
ajbmeb-3150	62	39	-	-	SYM
ajbmeb-3150	62	40	36	36	NUM
ajbmeb-3150	62	41	100,0	100,0	NUM
ajbmeb-3150	62	42	online	online	ADJ
ajbmeb-3150	62	43	,	,	PUNCT
ajbmeb-3150	62	44	to	to	ADP
ajbmeb-3150	62	45	the	the	DET
ajbmeb-3150	62	46	bank	bank	NOUN
ajbmeb-3150	62	47	card	card	NOUN
ajbmeb-3150	62	48	issued	issue	VERB
ajbmeb-3150	62	49	for	for	ADP
ajbmeb-3150	62	50	salary	salary	NOUN
ajbmeb-3150	62	51	payments	payment	NOUN
ajbmeb-3150	62	52	27	27	NUM
ajbmeb-3150	62	53	%	%	NOUN
ajbmeb-3150	62	54	1	1	NUM
ajbmeb-3150	62	55	-	-	SYM
ajbmeb-3150	62	56	36	36	NUM
ajbmeb-3150	62	57	100,0	100,0	NUM
ajbmeb-3150	62	58	online	online	ADJ
ajbmeb-3150	62	59	,	,	PUNCT
ajbmeb-3150	62	60	to	to	ADP
ajbmeb-3150	62	61	the	the	DET
ajbmeb-3150	62	62	bank	bank	NOUN
ajbmeb-3150	62	63	card	card	NOUN
ajbmeb-3150	62	64	of	of	ADP
ajbmeb-3150	62	65	employees	employee	NOUN
ajbmeb-3150	62	66	of	of	ADP
ajbmeb-3150	62	67	budgetary	budgetary	ADJ
ajbmeb-3150	62	68	organizations	organization	NOUN
ajbmeb-3150	62	69	29	29	NUM
ajbmeb-3150	62	70	%	%	NOUN
ajbmeb-3150	62	71	1	1	NUM
ajbmeb-3150	62	72	-	-	SYM
ajbmeb-3150	62	73	24	24	NUM
ajbmeb-3150	62	74	100,0	100,0	NUM
ajbmeb-3150	62	75	offline	offline	NOUN
ajbmeb-3150	62	76	,	,	PUNCT
ajbmeb-3150	62	77	in	in	ADP
ajbmeb-3150	62	78	cash	cash	NOUN
ajbmeb-3150	62	79	or	or	CCONJ
ajbmeb-3150	62	80	to	to	ADP
ajbmeb-3150	62	81	the	the	DET
ajbmeb-3150	62	82	bank	bank	NOUN
ajbmeb-3150	62	83	card	card	NOUN
ajbmeb-3150	62	84	25	25	NUM
ajbmeb-3150	62	85	-	-	SYM
ajbmeb-3150	62	86	27	27	NUM
ajbmeb-3150	62	87	%	%	NOUN
ajbmeb-3150	62	88	1	1	NUM
ajbmeb-3150	62	89	-	-	SYM
ajbmeb-3150	62	90	36	36	NUM
ajbmeb-3150	62	91	100,0	100,0	NUM
ajbmeb-3150	62	92	offline	offline	NOUN
ajbmeb-3150	62	93	,	,	PUNCT
ajbmeb-3150	62	94	within	within	ADP
ajbmeb-3150	62	95	a	a	DET
ajbmeb-3150	62	96	payroll	payroll	NOUN
ajbmeb-3150	62	97	project	project	NOUN
ajbmeb-3150	62	98	,	,	PUNCT
ajbmeb-3150	62	99	in	in	ADP
ajbmeb-3150	62	100	cash	cash	NOUN
ajbmeb-3150	62	101	or	or	CCONJ
ajbmeb-3150	62	102	to	to	ADP
ajbmeb-3150	62	103	the	the	DET
ajbmeb-3150	62	104	bank	bank	NOUN
ajbmeb-3150	62	105	card	card	NOUN
ajbmeb-3150	62	106	jscb	jscb	NOUN
ajbmeb-3150	62	107	“	"	PUNCT
ajbmeb-3150	62	108	uzsanoatqurilishba	uzsanoatqurilishba	ADJ
ajbmeb-3150	62	109	nk	nk	NOUN
ajbmeb-3150	62	110	”	"	PUNCT
ajbmeb-3150	62	111	29	29	NUM
ajbmeb-3150	62	112	%	%	NOUN
ajbmeb-3150	62	113	24	24	NUM
ajbmeb-3150	62	114	100,0	100,0	NOUN
ajbmeb-3150	62	115	in	in	ADP
ajbmeb-3150	62	116	cash	cash	NOUN
ajbmeb-3150	62	117	or	or	CCONJ
ajbmeb-3150	62	118	to	to	ADP
ajbmeb-3150	62	119	the	the	DET
ajbmeb-3150	62	120	bank	bank	NOUN
ajbmeb-3150	62	121	card	card	NOUN
ajbmeb-3150	62	122	29	29	NUM
ajbmeb-3150	62	123	%	%	NOUN
ajbmeb-3150	62	124	24	24	NUM
ajbmeb-3150	62	125	100,0	100,0	NUM
ajbmeb-3150	62	126	online	online	ADJ
ajbmeb-3150	62	127	service	service	NOUN
ajbmeb-3150	62	128	temporarily	temporarily	ADV
ajbmeb-3150	62	129	suspended	suspend	VERB
ajbmeb-3150	62	130	jscmb	jscmb	NOUN
ajbmeb-3150	62	131	“	"	PUNCT
ajbmeb-3150	62	132	ipotekabank	ipotekabank	ADJ
ajbmeb-3150	62	133	”	"	PUNCT
ajbmeb-3150	62	134	24	24	NUM
ajbmeb-3150	62	135	-	-	SYM
ajbmeb-3150	62	136	41	41	NUM
ajbmeb-3150	62	137	%	%	NOUN
ajbmeb-3150	62	138	36	36	NUM
ajbmeb-3150	62	139	-	-	SYM
ajbmeb-3150	62	140	60	60	NUM
ajbmeb-3150	62	141	100,0	100,0	NOUN
ajbmeb-3150	62	142	to	to	ADP
ajbmeb-3150	62	143	participants	participant	NOUN
ajbmeb-3150	62	144	of	of	ADP
ajbmeb-3150	62	145	payroll	payroll	NOUN
ajbmeb-3150	62	146	projects	project	NOUN
ajbmeb-3150	62	147	,	,	PUNCT
ajbmeb-3150	62	148	online	online	ADV
ajbmeb-3150	62	149	,	,	PUNCT
ajbmeb-3150	62	150	to	to	ADP
ajbmeb-3150	62	151	the	the	DET
ajbmeb-3150	62	152	bank	bank	NOUN
ajbmeb-3150	62	153	card	card	NOUN
ajbmeb-3150	62	154	issued	issue	VERB
ajbmeb-3150	62	155	for	for	ADP
ajbmeb-3150	62	156	salary	salary	NOUN
ajbmeb-3150	62	157	payments	payment	NOUN
ajbmeb-3150	62	158	24	24	NUM
ajbmeb-3150	62	159	-	-	SYM
ajbmeb-3150	62	160	45	45	NUM
ajbmeb-3150	62	161	%	%	NOUN
ajbmeb-3150	62	162	36	36	NUM
ajbmeb-3150	62	163	-	-	SYM
ajbmeb-3150	62	164	60	60	NUM
ajbmeb-3150	62	165	100,0	100,0	NOUN
ajbmeb-3150	62	166	for	for	ADP
ajbmeb-3150	62	167	individuals	individual	NOUN
ajbmeb-3150	62	168	with	with	ADP
ajbmeb-3150	62	169	permanent	permanent	ADJ
ajbmeb-3150	62	170	employment	employment	NOUN
ajbmeb-3150	62	171	,	,	PUNCT
ajbmeb-3150	62	172	online	online	ADV
ajbmeb-3150	62	173	,	,	PUNCT
ajbmeb-3150	62	174	to	to	ADP
ajbmeb-3150	62	175	the	the	DET
ajbmeb-3150	62	176	bank	bank	NOUN
ajbmeb-3150	62	177	card	card	NOUN
ajbmeb-3150	62	178	jscb	jscb	NOUN
ajbmeb-3150	62	179	“	"	PUNCT
ajbmeb-3150	62	180	agrobank	agrobank	PROPN
ajbmeb-3150	62	181	”	"	PUNCT
ajbmeb-3150	62	182	32	32	NUM
ajbmeb-3150	62	183	%	%	NOUN
ajbmeb-3150	62	184	24	24	NUM
ajbmeb-3150	62	185	100,0	100,0	NUM
ajbmeb-3150	62	186	online	online	ADJ
ajbmeb-3150	62	187	,	,	PUNCT
ajbmeb-3150	62	188	to	to	ADP
ajbmeb-3150	62	189	the	the	DET
ajbmeb-3150	62	190	bank	bank	NOUN
ajbmeb-3150	62	191	card	card	NOUN
ajbmeb-3150	62	192	issued	issue	VERB
ajbmeb-3150	62	193	for	for	ADP
ajbmeb-3150	62	194	salary	salary	NOUN
ajbmeb-3150	62	195	payments	payment	NOUN
ajbmeb-3150	62	196	25	25	NUM
ajbmeb-3150	62	197	-	-	SYM
ajbmeb-3150	62	198	27	27	NUM
ajbmeb-3150	62	199	%	%	NOUN
ajbmeb-3150	62	200	24,36,48	24,36,48	NUM
ajbmeb-3150	62	201	100,0	100,0	NOUN
ajbmeb-3150	62	202	within	within	ADP
ajbmeb-3150	62	203	a	a	DET
ajbmeb-3150	62	204	payroll	payroll	NOUN
ajbmeb-3150	62	205	project	project	NOUN
ajbmeb-3150	62	206	for	for	ADP
ajbmeb-3150	62	207	employees	employee	NOUN
ajbmeb-3150	62	208	of	of	ADP
ajbmeb-3150	62	209	budgetary	budgetary	ADJ
ajbmeb-3150	62	210	organizations	organization	NOUN
ajbmeb-3150	62	211	,	,	PUNCT
ajbmeb-3150	62	212	in	in	ADP
ajbmeb-3150	62	213	cash	cash	NOUN
ajbmeb-3150	62	214	or	or	CCONJ
ajbmeb-3150	62	215	to	to	ADP
ajbmeb-3150	62	216	the	the	DET
ajbmeb-3150	62	217	bank	bank	NOUN
ajbmeb-3150	62	218	card	card	NOUN
ajbmeb-3150	62	219	32	32	NUM
ajbmeb-3150	62	220	-	-	SYM
ajbmeb-3150	62	221	34	34	NUM
ajbmeb-3150	62	222	%	%	NOUN
ajbmeb-3150	62	223	24,36,48	24,36,48	NUM
ajbmeb-3150	62	224	100,0	100,0	NOUN
ajbmeb-3150	62	225	for	for	ADP
ajbmeb-3150	62	226	individuals	individual	NOUN
ajbmeb-3150	62	227	with	with	ADP
ajbmeb-3150	62	228	stable	stable	ADJ
ajbmeb-3150	62	229	income	income	NOUN
ajbmeb-3150	62	230	,	,	PUNCT
ajbmeb-3150	62	231	in	in	ADP
ajbmeb-3150	62	232	cash	cash	NOUN
ajbmeb-3150	62	233	or	or	CCONJ
ajbmeb-3150	62	234	to	to	ADP
ajbmeb-3150	62	235	the	the	DET
ajbmeb-3150	62	236	bank	bank	NOUN
ajbmeb-3150	62	237	card	card	NOUN
ajbmeb-3150	62	238	jsc	jsc	PROPN
ajbmeb-3150	62	239	“	"	PUNCT
ajbmeb-3150	62	240	aloqabank	aloqabank	PROPN
ajbmeb-3150	62	241	”	"	PUNCT
ajbmeb-3150	62	242	26	26	NUM
ajbmeb-3150	62	243	-	-	SYM
ajbmeb-3150	62	244	30	30	NUM
ajbmeb-3150	62	245	%	%	NOUN
ajbmeb-3150	62	246	2	2	NUM
ajbmeb-3150	62	247	-	-	SYM
ajbmeb-3150	62	248	48	48	NUM
ajbmeb-3150	62	249	100,0	100,0	NOUN
ajbmeb-3150	62	250	for	for	ADP
ajbmeb-3150	62	251	individuals	individual	NOUN
ajbmeb-3150	62	252	with	with	ADP
ajbmeb-3150	62	253	stable	stable	ADJ
ajbmeb-3150	62	254	income	income	NOUN
ajbmeb-3150	62	255	,	,	PUNCT
ajbmeb-3150	62	256	online	online	ADV
ajbmeb-3150	62	257	,	,	PUNCT
ajbmeb-3150	62	258	to	to	ADP
ajbmeb-3150	62	259	the	the	DET
ajbmeb-3150	62	260	bank	bank	NOUN
ajbmeb-3150	62	261	card	card	NOUN
ajbmeb-3150	62	262	26	26	NUM
ajbmeb-3150	62	263	-	-	SYM
ajbmeb-3150	62	264	29	29	NUM
ajbmeb-3150	62	265	%	%	NOUN
ajbmeb-3150	62	266	2	2	NUM
ajbmeb-3150	62	267	-	-	SYM
ajbmeb-3150	62	268	48	48	NUM
ajbmeb-3150	62	269	100,0	100,0	NOUN
ajbmeb-3150	62	270	within	within	ADP
ajbmeb-3150	62	271	a	a	DET
ajbmeb-3150	62	272	payroll	payroll	NOUN
ajbmeb-3150	62	273	project	project	NOUN
ajbmeb-3150	62	274	,	,	PUNCT
ajbmeb-3150	62	275	online	online	ADV
ajbmeb-3150	62	276	,	,	PUNCT
ajbmeb-3150	62	277	to	to	ADP
ajbmeb-3150	62	278	the	the	DET
ajbmeb-3150	62	279	bank	bank	NOUN
ajbmeb-3150	62	280	card	card	NOUN
ajbmeb-3150	62	281	26	26	NUM
ajbmeb-3150	62	282	-	-	SYM
ajbmeb-3150	62	283	28	28	NUM
ajbmeb-3150	62	284	%	%	NOUN
ajbmeb-3150	62	285	2	2	NUM
ajbmeb-3150	62	286	-	-	SYM
ajbmeb-3150	62	287	48	48	NUM
ajbmeb-3150	62	288	100,0	100,0	NOUN
ajbmeb-3150	62	289	for	for	ADP
ajbmeb-3150	62	290	vip	vip	NOUN
ajbmeb-3150	62	291	clients	client	NOUN
ajbmeb-3150	62	292	and	and	CCONJ
ajbmeb-3150	62	293	employees	employee	NOUN
ajbmeb-3150	62	294	,	,	PUNCT
ajbmeb-3150	62	295	online	online	ADV
ajbmeb-3150	62	296	,	,	PUNCT
ajbmeb-3150	62	297	to	to	ADP
ajbmeb-3150	62	298	the	the	DET
ajbmeb-3150	62	299	bank	bank	NOUN
ajbmeb-3150	62	300	card	card	NOUN
ajbmeb-3150	62	301	28	28	NUM
ajbmeb-3150	62	302	%	%	NOUN
ajbmeb-3150	62	303	3	3	NUM
ajbmeb-3150	62	304	-	-	SYM
ajbmeb-3150	62	305	60	60	NUM
ajbmeb-3150	62	306	100,0	100,0	NOUN
ajbmeb-3150	62	307	for	for	ADP
ajbmeb-3150	62	308	self	self	NOUN
ajbmeb-3150	62	309	-	-	PUNCT
ajbmeb-3150	62	310	employed	employ	VERB
ajbmeb-3150	62	311	individuals	individual	NOUN
ajbmeb-3150	62	312	,	,	PUNCT
ajbmeb-3150	62	313	in	in	ADP
ajbmeb-3150	62	314	cash	cash	NOUN
ajbmeb-3150	62	315	or	or	CCONJ
ajbmeb-3150	62	316	to	to	ADP
ajbmeb-3150	62	317	the	the	DET
ajbmeb-3150	62	318	bank	bank	NOUN
ajbmeb-3150	62	319	card	card	NOUN
ajbmeb-3150	62	320	pjscib	pjscib	PROPN
ajbmeb-3150	62	321	“	"	PUNCT
ajbmeb-3150	62	322	ipak	ipak	PROPN
ajbmeb-3150	62	323	yuli	yuli	PROPN
ajbmeb-3150	62	324	bank	bank	PROPN
ajbmeb-3150	62	325	”	"	PUNCT
ajbmeb-3150	62	326	30,9	30,9	PROPN
ajbmeb-3150	62	327	-	-	SYM
ajbmeb-3150	62	328	40,9	40,9	NUM
ajbmeb-3150	62	329	%	%	NOUN
ajbmeb-3150	62	330	12	12	NUM
ajbmeb-3150	62	331	-	-	SYM
ajbmeb-3150	62	332	36	36	NUM
ajbmeb-3150	62	333	100,0	100,0	NUM
ajbmeb-3150	62	334	online	online	ADJ
ajbmeb-3150	62	335	,	,	PUNCT
ajbmeb-3150	62	336	to	to	ADP
ajbmeb-3150	62	337	the	the	DET
ajbmeb-3150	62	338	bank	bank	NOUN
ajbmeb-3150	62	339	card	card	NOUN
ajbmeb-3150	62	340	24,9	24,9	NUM
ajbmeb-3150	62	341	-	-	SYM
ajbmeb-3150	62	342	27,9	27,9	NUM
ajbmeb-3150	62	343	%	%	NOUN
ajbmeb-3150	62	344	12	12	NUM
ajbmeb-3150	62	345	-	-	SYM
ajbmeb-3150	62	346	60	60	NUM
ajbmeb-3150	62	347	100,0	100,0	NUM
ajbmeb-3150	62	348	offline	offline	NOUN
ajbmeb-3150	62	349	,	,	PUNCT
ajbmeb-3150	62	350	to	to	ADP
ajbmeb-3150	62	351	the	the	DET
ajbmeb-3150	62	352	bank	bank	NOUN
ajbmeb-3150	62	353	card	card	NOUN
ajbmeb-3150	62	354	or	or	CCONJ
ajbmeb-3150	62	355	by	by	ADP
ajbmeb-3150	62	356	transfer	transfer	NOUN
ajbmeb-3150	62	357	under	under	ADP
ajbmeb-3150	62	358	a	a	DET
ajbmeb-3150	62	359	contract	contract	NOUN
ajbmeb-3150	62	360	24,9	24,9	NUM
ajbmeb-3150	62	361	-	-	SYM
ajbmeb-3150	62	362	27,9	27,9	NUM
ajbmeb-3150	62	363	%	%	NOUN
ajbmeb-3150	62	364	12	12	NUM
ajbmeb-3150	62	365	-	-	SYM
ajbmeb-3150	62	366	60	60	NUM
ajbmeb-3150	62	367	100,0	100,0	NUM
ajbmeb-3150	62	368	offline	offline	NOUN
ajbmeb-3150	62	369	,	,	PUNCT
ajbmeb-3150	62	370	to	to	ADP
ajbmeb-3150	62	371	the	the	DET
ajbmeb-3150	62	372	bank	bank	NOUN
ajbmeb-3150	62	373	card	card	NOUN
ajbmeb-3150	62	374	31,9	31,9	PROPN
ajbmeb-3150	62	375	%	%	NOUN
ajbmeb-3150	62	376	12	12	NUM
ajbmeb-3150	62	377	10,0	10,0	NOUN
ajbmeb-3150	62	378	online	online	ADV
ajbmeb-3150	62	379	,	,	PUNCT
ajbmeb-3150	62	380	to	to	ADP
ajbmeb-3150	62	381	the	the	DET
ajbmeb-3150	62	382	bank	bank	NOUN
ajbmeb-3150	62	383	card	card	NOUN
ajbmeb-3150	62	384	or	or	CCONJ
ajbmeb-3150	62	385	by	by	ADP
ajbmeb-3150	62	386	transfer	transfer	NOUN
ajbmeb-3150	62	387	under	under	ADP
ajbmeb-3150	62	388	a	a	DET
ajbmeb-3150	62	389	contract	contract	NOUN
ajbmeb-3150	62	390	as	as	ADP
ajbmeb-3150	62	391	of	of	ADP
ajbmeb-3150	62	392	october	october	PROPN
ajbmeb-3150	62	393	2025	2025	NUM
ajbmeb-3150	62	394	,	,	PUNCT
ajbmeb-3150	62	395	commercial	commercial	ADJ
ajbmeb-3150	62	396	banks	bank	NOUN
ajbmeb-3150	62	397	in	in	ADP
ajbmeb-3150	62	398	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	62	399	have	have	AUX
ajbmeb-3150	62	400	established	establish	VERB
ajbmeb-3150	62	401	an	an	DET
ajbmeb-3150	62	402	active	active	ADJ
ajbmeb-3150	62	403	competitive	competitive	ADJ
ajbmeb-3150	62	404	environment	environment	NOUN
ajbmeb-3150	62	405	in	in	ADP
ajbmeb-3150	62	406	the	the	DET
ajbmeb-3150	62	407	microloan	microloan	NOUN
ajbmeb-3150	62	408	market	market	NOUN
ajbmeb-3150	62	409	aimed	aim	VERB
ajbmeb-3150	62	410	at	at	ADP
ajbmeb-3150	62	411	the	the	DET
ajbmeb-3150	62	412	population	population	NOUN
ajbmeb-3150	62	413	.	.	PUNCT
ajbmeb-3150	63	1	the	the	DET
ajbmeb-3150	63	2	data	datum	NOUN
ajbmeb-3150	63	3	presented	present	VERB
ajbmeb-3150	63	4	in	in	ADP
ajbmeb-3150	63	5	the	the	DET
ajbmeb-3150	63	6	table	table	NOUN
ajbmeb-3150	63	7	show	show	VERB
ajbmeb-3150	63	8	that	that	SCONJ
ajbmeb-3150	63	9	each	each	DET
ajbmeb-3150	63	10	bank	bank	NOUN
ajbmeb-3150	63	11	offers	offer	VERB
ajbmeb-3150	63	12	different	different	ADJ
ajbmeb-3150	63	13	interest	interest	NOUN
ajbmeb-3150	63	14	rates	rate	NOUN
ajbmeb-3150	63	15	and	and	CCONJ
ajbmeb-3150	63	16	conditions	condition	NOUN
ajbmeb-3150	63	17	tailored	tailor	VERB
ajbmeb-3150	63	18	to	to	ADP
ajbmeb-3150	63	19	its	its	PRON
ajbmeb-3150	63	20	client	client	NOUN
ajbmeb-3150	63	21	segments	segment	NOUN
ajbmeb-3150	63	22	and	and	CCONJ
ajbmeb-3150	63	23	service	service	NOUN
ajbmeb-3150	63	24	delivery	delivery	NOUN
ajbmeb-3150	63	25	methods	method	NOUN
ajbmeb-3150	63	26	.	.	PUNCT
ajbmeb-3150	64	1	in	in	ADP
ajbmeb-3150	64	2	the	the	DET
ajbmeb-3150	64	3	banks	bank	NOUN
ajbmeb-3150	64	4	under	under	ADP
ajbmeb-3150	64	5	analysis	analysis	NOUN
ajbmeb-3150	64	6	,	,	PUNCT
ajbmeb-3150	64	7	interest	interest	NOUN
ajbmeb-3150	64	8	rates	rate	NOUN
ajbmeb-3150	64	9	on	on	ADP
ajbmeb-3150	64	10	microloans	microloan	NOUN
ajbmeb-3150	64	11	range	range	VERB
ajbmeb-3150	64	12	from	from	ADP
ajbmeb-3150	64	13	24	24	NUM
ajbmeb-3150	64	14	%	%	NOUN
ajbmeb-3150	64	15	to	to	ADP
ajbmeb-3150	64	16	45	45	NUM
ajbmeb-3150	64	17	%	%	NOUN
ajbmeb-3150	64	18	.	.	PUNCT
ajbmeb-3150	65	1	the	the	DET
ajbmeb-3150	65	2	lowest	low	ADJ
ajbmeb-3150	65	3	rate	rate	NOUN
ajbmeb-3150	65	4	is	be	AUX
ajbmeb-3150	65	5	observed	observe	VERB
ajbmeb-3150	65	6	at	at	ADP
ajbmeb-3150	65	7	jscmb	jscmb	NOUN
ajbmeb-3150	65	8	“	"	PUNCT
ajbmeb-3150	65	9	ipoteka	ipoteka	PROPN
ajbmeb-3150	65	10	-	-	PUNCT
ajbmeb-3150	65	11	bank	bank	NOUN
ajbmeb-3150	65	12	”	"	PUNCT
ajbmeb-3150	65	13	(	(	PUNCT
ajbmeb-3150	65	14	24	24	NUM
ajbmeb-3150	65	15	%	%	NOUN
ajbmeb-3150	65	16	)	)	PUNCT
ajbmeb-3150	65	17	,	,	PUNCT
ajbmeb-3150	65	18	while	while	SCONJ
ajbmeb-3150	65	19	the	the	DET
ajbmeb-3150	65	20	highest	high	ADJ
ajbmeb-3150	65	21	rate	rate	NOUN
ajbmeb-3150	65	22	,	,	PUNCT
ajbmeb-3150	65	23	also	also	ADV
ajbmeb-3150	65	24	at	at	ADP
ajbmeb-3150	65	25	this	this	DET
ajbmeb-3150	65	26	bank	bank	NOUN
ajbmeb-3150	65	27	,	,	PUNCT
ajbmeb-3150	65	28	reaches	reach	VERB
ajbmeb-3150	65	29	45	45	NUM
ajbmeb-3150	65	30	%	%	NOUN
ajbmeb-3150	65	31	,	,	PUNCT
ajbmeb-3150	65	32	indicating	indicate	VERB
ajbmeb-3150	65	33	that	that	SCONJ
ajbmeb-3150	65	34	rates	rate	NOUN
ajbmeb-3150	65	35	are	be	AUX
ajbmeb-3150	65	36	differentiated	differentiate	VERB
ajbmeb-3150	65	37	based	base	VERB
ajbmeb-3150	65	38	on	on	ADP
ajbmeb-3150	65	39	risk	risk	NOUN
ajbmeb-3150	65	40	levels	level	NOUN
ajbmeb-3150	65	41	and	and	CCONJ
ajbmeb-3150	65	42	client	client	NOUN
ajbmeb-3150	65	43	types	type	NOUN
ajbmeb-3150	65	44	.	.	PUNCT
ajbmeb-3150	66	1	the	the	DET
ajbmeb-3150	66	2	average	average	ADJ
ajbmeb-3150	66	3	interest	interest	NOUN
ajbmeb-3150	66	4	rate	rate	NOUN
ajbmeb-3150	66	5	is	be	AUX
ajbmeb-3150	66	6	approximately	approximately	ADV
ajbmeb-3150	66	7	28–32	28–32	NUM
ajbmeb-3150	66	8	%	%	NOUN
ajbmeb-3150	66	9	,	,	PUNCT
ajbmeb-3150	66	10	reflecting	reflect	VERB
ajbmeb-3150	66	11	the	the	DET
ajbmeb-3150	66	12	prevailing	prevail	VERB
ajbmeb-3150	66	13	level	level	NOUN
ajbmeb-3150	66	14	in	in	ADP
ajbmeb-3150	66	15	the	the	DET
ajbmeb-3150	66	16	market	market	NOUN
ajbmeb-3150	66	17	.	.	PUNCT
ajbmeb-3150	67	1	the	the	DET
ajbmeb-3150	67	2	term	term	NOUN
ajbmeb-3150	67	3	of	of	ADP
ajbmeb-3150	67	4	microloans	microloan	NOUN
ajbmeb-3150	67	5	ranges	range	VERB
ajbmeb-3150	67	6	from	from	ADP
ajbmeb-3150	67	7	1	1	NUM
ajbmeb-3150	67	8	month	month	NOUN
ajbmeb-3150	67	9	to	to	ADP
ajbmeb-3150	67	10	60	60	NUM
ajbmeb-3150	67	11	months	month	NOUN
ajbmeb-3150	67	12	.	.	PUNCT
ajbmeb-3150	68	1	most	most	ADJ
ajbmeb-3150	68	2	banks	bank	NOUN
ajbmeb-3150	68	3	offer	offer	VERB
ajbmeb-3150	68	4	loans	loan	NOUN
ajbmeb-3150	68	5	with	with	ADP
ajbmeb-3150	68	6	a	a	DET
ajbmeb-3150	68	7	term	term	NOUN
ajbmeb-3150	68	8	of	of	ADP
ajbmeb-3150	68	9	24	24	NUM
ajbmeb-3150	68	10	–	–	SYM
ajbmeb-3150	68	11	36	36	NUM
ajbmeb-3150	68	12	months	month	NOUN
ajbmeb-3150	68	13	,	,	PUNCT
ajbmeb-3150	68	14	which	which	PRON
ajbmeb-3150	68	15	provides	provide	VERB
ajbmeb-3150	68	16	convenience	convenience	NOUN
ajbmeb-3150	68	17	for	for	ADP
ajbmeb-3150	68	18	borrowers	borrower	NOUN
ajbmeb-3150	68	19	in	in	ADP
ajbmeb-3150	68	20	repayment	repayment	NOUN
ajbmeb-3150	68	21	and	and	CCONJ
ajbmeb-3150	68	22	reflects	reflect	VERB
ajbmeb-3150	68	23	a	a	DET
ajbmeb-3150	68	24	strategy	strategy	NOUN
ajbmeb-3150	68	25	aimed	aim	VERB
ajbmeb-3150	68	26	at	at	ADP
ajbmeb-3150	68	27	reducing	reduce	VERB
ajbmeb-3150	68	28	risk	risk	NOUN
ajbmeb-3150	68	29	.	.	PUNCT
ajbmeb-3150	69	1	1	1	NUM
ajbmeb-3150	69	2	compiled	compile	VERB
ajbmeb-3150	69	3	by	by	ADP
ajbmeb-3150	69	4	the	the	DET
ajbmeb-3150	69	5	author	author	NOUN
ajbmeb-3150	69	6	based	base	VERB
ajbmeb-3150	69	7	on	on	ADP
ajbmeb-3150	69	8	information	information	NOUN
ajbmeb-3150	69	9	from	from	ADP
ajbmeb-3150	69	10	the	the	DET
ajbmeb-3150	69	11	official	official	ADJ
ajbmeb-3150	69	12	websites	website	NOUN
ajbmeb-3150	69	13	of	of	ADP
ajbmeb-3150	69	14	commercial	commercial	ADJ
ajbmeb-3150	69	15	banks	bank	NOUN
ajbmeb-3150	69	16	american	american	PROPN
ajbmeb-3150	69	17	journal	journal	PROPN
ajbmeb-3150	69	18	of	of	ADP
ajbmeb-3150	69	19	business	business	NOUN
ajbmeb-3150	69	20	management	management	NOUN
ajbmeb-3150	69	21	,	,	PUNCT
ajbmeb-3150	69	22	economics	economic	NOUN
ajbmeb-3150	69	23	and	and	CCONJ
ajbmeb-3150	69	24	banking	banking	NOUN
ajbmeb-3150	69	25	volume	volume	NOUN
ajbmeb-3150	69	26	41	41	NUM
ajbmeb-3150	70	1	october2025	october2025	PROPN
ajbmeb-3150	70	2	p	p	NOUN
ajbmeb-3150	70	3	a	a	DET
ajbmeb-3150	70	4	g	g	NOUN
ajbmeb-3150	70	5	e	e	NOUN
ajbmeb-3150	71	1	|	|	ADV
ajbmeb-3150	71	2	100	100	NUM
ajbmeb-3150	71	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3150	71	4	the	the	DET
ajbmeb-3150	71	5	maximum	maximum	ADJ
ajbmeb-3150	71	6	amount	amount	NOUN
ajbmeb-3150	71	7	offered	offer	VERB
ajbmeb-3150	71	8	by	by	ADP
ajbmeb-3150	71	9	all	all	DET
ajbmeb-3150	71	10	banks	bank	NOUN
ajbmeb-3150	71	11	is	be	AUX
ajbmeb-3150	71	12	100	100	NUM
ajbmeb-3150	71	13	million	million	NUM
ajbmeb-3150	71	14	soums	soum	NOUN
ajbmeb-3150	71	15	,	,	PUNCT
ajbmeb-3150	71	16	representing	represent	VERB
ajbmeb-3150	71	17	a	a	DET
ajbmeb-3150	71	18	standardized	standardized	ADJ
ajbmeb-3150	71	19	limit	limit	NOUN
ajbmeb-3150	71	20	.	.	PUNCT
ajbmeb-3150	72	1	only	only	ADV
ajbmeb-3150	72	2	pjscib	pjscib	PROPN
ajbmeb-3150	72	3	“	"	PUNCT
ajbmeb-3150	72	4	ipak	ipak	PROPN
ajbmeb-3150	72	5	yuli	yuli	PROPN
ajbmeb-3150	72	6	bank	bank	PROPN
ajbmeb-3150	72	7	”	"	PUNCT
ajbmeb-3150	72	8	has	have	AUX
ajbmeb-3150	72	9	also	also	ADV
ajbmeb-3150	72	10	offered	offer	VERB
ajbmeb-3150	72	11	a	a	DET
ajbmeb-3150	72	12	short	short	ADJ
ajbmeb-3150	72	13	-	-	PUNCT
ajbmeb-3150	72	14	term	term	NOUN
ajbmeb-3150	72	15	online	online	ADJ
ajbmeb-3150	72	16	microloan	microloan	NOUN
ajbmeb-3150	72	17	of	of	ADP
ajbmeb-3150	72	18	10	10	NUM
ajbmeb-3150	72	19	million	million	NUM
ajbmeb-3150	72	20	soums	soum	NOUN
ajbmeb-3150	72	21	.	.	PUNCT
ajbmeb-3150	73	1	most	most	ADJ
ajbmeb-3150	73	2	banks	bank	NOUN
ajbmeb-3150	73	3	have	have	AUX
ajbmeb-3150	73	4	implemented	implement	VERB
ajbmeb-3150	73	5	online	online	ADJ
ajbmeb-3150	73	6	lending	lending	NOUN
ajbmeb-3150	73	7	systems	system	NOUN
ajbmeb-3150	73	8	,	,	PUNCT
ajbmeb-3150	73	9	indicating	indicate	VERB
ajbmeb-3150	73	10	the	the	DET
ajbmeb-3150	73	11	development	development	NOUN
ajbmeb-3150	73	12	of	of	ADP
ajbmeb-3150	73	13	digital	digital	ADJ
ajbmeb-3150	73	14	banking	banking	NOUN
ajbmeb-3150	73	15	services	service	NOUN
ajbmeb-3150	73	16	.	.	PUNCT
ajbmeb-3150	74	1	“	"	PUNCT
ajbmeb-3150	74	2	uzmilliybank	uzmilliybank	ADJ
ajbmeb-3150	74	3	,	,	PUNCT
ajbmeb-3150	74	4	”	"	PUNCT
ajbmeb-3150	74	5	“	"	PUNCT
ajbmeb-3150	74	6	agrobank	agrobank	VERB
ajbmeb-3150	74	7	,	,	PUNCT
ajbmeb-3150	74	8	”	"	PUNCT
ajbmeb-3150	74	9	and	and	CCONJ
ajbmeb-3150	74	10	“	"	PUNCT
ajbmeb-3150	74	11	aloqabank	aloqabank	NOUN
ajbmeb-3150	74	12	”	"	PUNCT
ajbmeb-3150	74	13	offer	offer	VERB
ajbmeb-3150	74	14	preferential	preferential	ADJ
ajbmeb-3150	74	15	online	online	ADJ
ajbmeb-3150	74	16	loans	loan	NOUN
ajbmeb-3150	74	17	to	to	ADP
ajbmeb-3150	74	18	clients	client	NOUN
ajbmeb-3150	74	19	participating	participate	VERB
ajbmeb-3150	74	20	in	in	ADP
ajbmeb-3150	74	21	payroll	payroll	NOUN
ajbmeb-3150	74	22	projects	project	NOUN
ajbmeb-3150	74	23	.	.	PUNCT
ajbmeb-3150	75	1	some	some	DET
ajbmeb-3150	75	2	banks	bank	NOUN
ajbmeb-3150	75	3	,	,	PUNCT
ajbmeb-3150	75	4	such	such	ADJ
ajbmeb-3150	75	5	as	as	ADP
ajbmeb-3150	75	6	“	"	PUNCT
ajbmeb-3150	75	7	uzsanoatqurilishbank	uzsanoatqurilishbank	ADJ
ajbmeb-3150	75	8	,	,	PUNCT
ajbmeb-3150	75	9	”	"	PUNCT
ajbmeb-3150	75	10	have	have	AUX
ajbmeb-3150	75	11	temporarily	temporarily	ADV
ajbmeb-3150	75	12	suspended	suspend	VERB
ajbmeb-3150	75	13	online	online	ADJ
ajbmeb-3150	75	14	services	service	NOUN
ajbmeb-3150	75	15	but	but	CCONJ
ajbmeb-3150	75	16	continue	continue	VERB
ajbmeb-3150	75	17	to	to	PART
ajbmeb-3150	75	18	provide	provide	VERB
ajbmeb-3150	75	19	services	service	NOUN
ajbmeb-3150	75	20	offline	offline	ADJ
ajbmeb-3150	75	21	.	.	PUNCT
ajbmeb-3150	76	1	banks	bank	NOUN
ajbmeb-3150	76	2	primarily	primarily	ADV
ajbmeb-3150	76	3	offer	offer	VERB
ajbmeb-3150	76	4	special	special	ADJ
ajbmeb-3150	76	5	conditions	condition	NOUN
ajbmeb-3150	76	6	for	for	ADP
ajbmeb-3150	76	7	participants	participant	NOUN
ajbmeb-3150	76	8	in	in	ADP
ajbmeb-3150	76	9	payroll	payroll	NOUN
ajbmeb-3150	76	10	projects	project	NOUN
ajbmeb-3150	76	11	,	,	PUNCT
ajbmeb-3150	76	12	employees	employee	NOUN
ajbmeb-3150	76	13	of	of	ADP
ajbmeb-3150	76	14	budgetary	budgetary	ADJ
ajbmeb-3150	76	15	organizations	organization	NOUN
ajbmeb-3150	76	16	,	,	PUNCT
ajbmeb-3150	76	17	and	and	CCONJ
ajbmeb-3150	76	18	individuals	individual	NOUN
ajbmeb-3150	76	19	with	with	ADP
ajbmeb-3150	76	20	stable	stable	ADJ
ajbmeb-3150	76	21	sources	source	NOUN
ajbmeb-3150	76	22	of	of	ADP
ajbmeb-3150	76	23	income	income	NOUN
ajbmeb-3150	76	24	.	.	PUNCT
ajbmeb-3150	77	1	pjscib	pjscib	PROPN
ajbmeb-3150	77	2	“	"	PUNCT
ajbmeb-3150	77	3	ipak	ipak	PROPN
ajbmeb-3150	77	4	yuli	yuli	PROPN
ajbmeb-3150	77	5	bank	bank	PROPN
ajbmeb-3150	77	6	”	"	PUNCT
ajbmeb-3150	77	7	and	and	CCONJ
ajbmeb-3150	77	8	jsc	jsc	PROPN
ajbmeb-3150	77	9	“	"	PUNCT
ajbmeb-3150	77	10	aloqabank	aloqabank	NOUN
ajbmeb-3150	77	11	”	"	PUNCT
ajbmeb-3150	77	12	offer	offer	VERB
ajbmeb-3150	77	13	special	special	ADJ
ajbmeb-3150	77	14	tariffs	tariff	NOUN
ajbmeb-3150	77	15	for	for	ADP
ajbmeb-3150	77	16	self	self	NOUN
ajbmeb-3150	77	17	-	-	PUNCT
ajbmeb-3150	77	18	employed	employ	VERB
ajbmeb-3150	77	19	individuals	individual	NOUN
ajbmeb-3150	77	20	and	and	CCONJ
ajbmeb-3150	77	21	vip	vip	NOUN
ajbmeb-3150	77	22	clients	client	NOUN
ajbmeb-3150	77	23	,	,	PUNCT
ajbmeb-3150	77	24	indicating	indicate	VERB
ajbmeb-3150	77	25	that	that	SCONJ
ajbmeb-3150	77	26	customer	customer	NOUN
ajbmeb-3150	77	27	segmentation	segmentation	NOUN
ajbmeb-3150	77	28	and	and	CCONJ
ajbmeb-3150	77	29	personalized	personalized	ADJ
ajbmeb-3150	77	30	lending	lending	NOUN
ajbmeb-3150	77	31	strategies	strategy	NOUN
ajbmeb-3150	77	32	are	be	AUX
ajbmeb-3150	77	33	increasingly	increasingly	ADV
ajbmeb-3150	77	34	developing	develop	VERB
ajbmeb-3150	77	35	in	in	ADP
ajbmeb-3150	77	36	the	the	DET
ajbmeb-3150	77	37	market	market	NOUN
ajbmeb-3150	77	38	.	.	PUNCT
ajbmeb-3150	78	1	the	the	DET
ajbmeb-3150	78	2	digital	digital	ADJ
ajbmeb-3150	78	3	lending	lending	NOUN
ajbmeb-3150	78	4	system	system	NOUN
ajbmeb-3150	78	5	is	be	AUX
ajbmeb-3150	78	6	becoming	become	VERB
ajbmeb-3150	78	7	a	a	DET
ajbmeb-3150	78	8	key	key	ADJ
ajbmeb-3150	78	9	driver	driver	NOUN
ajbmeb-3150	78	10	in	in	ADP
ajbmeb-3150	78	11	popularizing	popularize	VERB
ajbmeb-3150	78	12	microfinance	microfinance	NOUN
ajbmeb-3150	78	13	services	service	NOUN
ajbmeb-3150	78	14	.	.	PUNCT
ajbmeb-3150	79	1	banks	bank	NOUN
ajbmeb-3150	79	2	set	set	VERB
ajbmeb-3150	79	3	interest	interest	NOUN
ajbmeb-3150	79	4	rates	rate	NOUN
ajbmeb-3150	79	5	based	base	VERB
ajbmeb-3150	79	6	on	on	ADP
ajbmeb-3150	79	7	the	the	DET
ajbmeb-3150	79	8	client	client	NOUN
ajbmeb-3150	79	9	’s	’s	PART
ajbmeb-3150	79	10	risk	risk	NOUN
ajbmeb-3150	79	11	level	level	NOUN
ajbmeb-3150	79	12	and	and	CCONJ
ajbmeb-3150	79	13	source	source	NOUN
ajbmeb-3150	79	14	of	of	ADP
ajbmeb-3150	79	15	income	income	NOUN
ajbmeb-3150	79	16	(	(	PUNCT
ajbmeb-3150	79	17	risk	risk	NOUN
ajbmeb-3150	79	18	-	-	PUNCT
ajbmeb-3150	79	19	oriented	orient	VERB
ajbmeb-3150	79	20	approach	approach	NOUN
ajbmeb-3150	79	21	)	)	PUNCT
ajbmeb-3150	79	22	.	.	PUNCT
ajbmeb-3150	80	1	microloans	microloan	NOUN
ajbmeb-3150	80	2	continue	continue	VERB
ajbmeb-3150	80	3	to	to	PART
ajbmeb-3150	80	4	serve	serve	VERB
ajbmeb-3150	80	5	as	as	ADP
ajbmeb-3150	80	6	an	an	DET
ajbmeb-3150	80	7	important	important	ADJ
ajbmeb-3150	80	8	financial	financial	ADJ
ajbmeb-3150	80	9	instrument	instrument	NOUN
ajbmeb-3150	80	10	in	in	ADP
ajbmeb-3150	80	11	the	the	DET
ajbmeb-3150	80	12	real	real	ADJ
ajbmeb-3150	80	13	sector	sector	NOUN
ajbmeb-3150	80	14	of	of	ADP
ajbmeb-3150	80	15	the	the	DET
ajbmeb-3150	80	16	economy	economy	NOUN
ajbmeb-3150	80	17	,	,	PUNCT
ajbmeb-3150	80	18	particularly	particularly	ADV
ajbmeb-3150	80	19	in	in	ADP
ajbmeb-3150	80	20	supporting	support	VERB
ajbmeb-3150	80	21	self	self	NOUN
ajbmeb-3150	80	22	-	-	PUNCT
ajbmeb-3150	80	23	employed	employ	VERB
ajbmeb-3150	80	24	individuals	individual	NOUN
ajbmeb-3150	80	25	and	and	CCONJ
ajbmeb-3150	80	26	household	household	NOUN
ajbmeb-3150	80	27	incomes	income	NOUN
ajbmeb-3150	80	28	.	.	PUNCT
ajbmeb-3150	81	1	among	among	ADP
ajbmeb-3150	81	2	commercial	commercial	ADJ
ajbmeb-3150	81	3	banks	bank	NOUN
ajbmeb-3150	81	4	,	,	PUNCT
ajbmeb-3150	81	5	competition	competition	NOUN
ajbmeb-3150	81	6	is	be	AUX
ajbmeb-3150	81	7	primarily	primarily	ADV
ajbmeb-3150	81	8	driven	drive	VERB
ajbmeb-3150	81	9	by	by	ADP
ajbmeb-3150	81	10	the	the	DET
ajbmeb-3150	81	11	quality	quality	NOUN
ajbmeb-3150	81	12	of	of	ADP
ajbmeb-3150	81	13	online	online	ADJ
ajbmeb-3150	81	14	services	service	NOUN
ajbmeb-3150	81	15	and	and	CCONJ
ajbmeb-3150	81	16	the	the	DET
ajbmeb-3150	81	17	flexibility	flexibility	NOUN
ajbmeb-3150	81	18	of	of	ADP
ajbmeb-3150	81	19	interest	interest	NOUN
ajbmeb-3150	81	20	rates	rate	NOUN
ajbmeb-3150	81	21	.	.	PUNCT
ajbmeb-3150	82	1	as	as	ADP
ajbmeb-3150	82	2	of	of	ADP
ajbmeb-3150	82	3	october	october	PROPN
ajbmeb-3150	82	4	2025	2025	NUM
ajbmeb-3150	82	5	,	,	PUNCT
ajbmeb-3150	82	6	commercial	commercial	ADJ
ajbmeb-3150	82	7	banks	bank	NOUN
ajbmeb-3150	82	8	in	in	ADP
ajbmeb-3150	82	9	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	82	10	maintain	maintain	VERB
ajbmeb-3150	82	11	active	active	ADJ
ajbmeb-3150	82	12	competition	competition	NOUN
ajbmeb-3150	82	13	in	in	ADP
ajbmeb-3150	82	14	the	the	DET
ajbmeb-3150	82	15	market	market	NOUN
ajbmeb-3150	82	16	by	by	ADP
ajbmeb-3150	82	17	diversifying	diversify	VERB
ajbmeb-3150	82	18	microloan	microloan	NOUN
ajbmeb-3150	82	19	services	service	NOUN
ajbmeb-3150	82	20	,	,	PUNCT
ajbmeb-3150	82	21	developing	develop	VERB
ajbmeb-3150	82	22	digital	digital	ADJ
ajbmeb-3150	82	23	lending	lending	NOUN
ajbmeb-3150	82	24	,	,	PUNCT
ajbmeb-3150	82	25	and	and	CCONJ
ajbmeb-3150	82	26	offering	offer	VERB
ajbmeb-3150	82	27	terms	term	NOUN
ajbmeb-3150	82	28	tailored	tailor	VERB
ajbmeb-3150	82	29	to	to	ADP
ajbmeb-3150	82	30	clients	client	NOUN
ajbmeb-3150	82	31	’	'	PUNCT
ajbmeb-3150	82	32	needs	need	NOUN
ajbmeb-3150	82	33	.	.	PUNCT
ajbmeb-3150	83	1	in	in	ADP
ajbmeb-3150	83	2	addition	addition	NOUN
ajbmeb-3150	83	3	,	,	PUNCT
ajbmeb-3150	83	4	microloans	microloan	NOUN
ajbmeb-3150	83	5	are	be	AUX
ajbmeb-3150	83	6	also	also	ADV
ajbmeb-3150	83	7	provided	provide	VERB
ajbmeb-3150	83	8	to	to	ADP
ajbmeb-3150	83	9	individuals	individual	NOUN
ajbmeb-3150	83	10	based	base	VERB
ajbmeb-3150	83	11	on	on	ADP
ajbmeb-3150	83	12	thirdparty	thirdparty	NOUN
ajbmeb-3150	83	13	guarantees	guarantee	NOUN
ajbmeb-3150	83	14	or	or	CCONJ
ajbmeb-3150	83	15	the	the	DET
ajbmeb-3150	83	16	pledge	pledge	NOUN
ajbmeb-3150	83	17	of	of	ADP
ajbmeb-3150	83	18	liquid	liquid	ADJ
ajbmeb-3150	83	19	assets	asset	NOUN
ajbmeb-3150	83	20	,	,	PUNCT
ajbmeb-3150	83	21	either	either	CCONJ
ajbmeb-3150	83	22	in	in	ADP
ajbmeb-3150	83	23	cash	cash	NOUN
ajbmeb-3150	83	24	or	or	CCONJ
ajbmeb-3150	83	25	via	via	ADP
ajbmeb-3150	83	26	money	money	NOUN
ajbmeb-3150	83	27	transfer	transfer	NOUN
ajbmeb-3150	83	28	.	.	PUNCT
ajbmeb-3150	84	1	microloans	microloan	NOUN
ajbmeb-3150	84	2	are	be	AUX
ajbmeb-3150	84	3	repaid	repay	VERB
ajbmeb-3150	84	4	based	base	VERB
ajbmeb-3150	84	5	on	on	ADP
ajbmeb-3150	84	6	a	a	DET
ajbmeb-3150	84	7	contract	contract	NOUN
ajbmeb-3150	84	8	between	between	ADP
ajbmeb-3150	84	9	the	the	DET
ajbmeb-3150	84	10	bank	bank	NOUN
ajbmeb-3150	84	11	and	and	CCONJ
ajbmeb-3150	84	12	the	the	DET
ajbmeb-3150	84	13	client	client	NOUN
ajbmeb-3150	84	14	,	,	PUNCT
ajbmeb-3150	84	15	following	follow	VERB
ajbmeb-3150	84	16	the	the	DET
ajbmeb-3150	84	17	agreed	agree	VERB
ajbmeb-3150	84	18	repayment	repayment	NOUN
ajbmeb-3150	84	19	schedule	schedule	NOUN
ajbmeb-3150	84	20	.	.	PUNCT
ajbmeb-3150	85	1	at	at	ADP
ajbmeb-3150	85	2	the	the	DET
ajbmeb-3150	85	3	client	client	NOUN
ajbmeb-3150	85	4	’s	’s	PART
ajbmeb-3150	85	5	discretion	discretion	NOUN
ajbmeb-3150	85	6	,	,	PUNCT
ajbmeb-3150	85	7	the	the	DET
ajbmeb-3150	85	8	microloan	microloan	NOUN
ajbmeb-3150	85	9	can	can	AUX
ajbmeb-3150	85	10	be	be	AUX
ajbmeb-3150	85	11	repaid	repay	VERB
ajbmeb-3150	85	12	either	either	CCONJ
ajbmeb-3150	85	13	in	in	ADP
ajbmeb-3150	85	14	cash	cash	NOUN
ajbmeb-3150	85	15	or	or	CCONJ
ajbmeb-3150	85	16	in	in	ADP
ajbmeb-3150	85	17	a	a	DET
ajbmeb-3150	85	18	noncash	noncash	NOUN
ajbmeb-3150	85	19	form	form	NOUN
ajbmeb-3150	85	20	.	.	PUNCT
ajbmeb-3150	86	1	figure	figure	NOUN
ajbmeb-3150	86	2	1	1	NUM
ajbmeb-3150	86	3	.	.	PUNCT
ajbmeb-3150	87	1	the	the	DET
ajbmeb-3150	87	2	volume	volume	NOUN
ajbmeb-3150	87	3	of	of	ADP
ajbmeb-3150	87	4	microloans	microloan	NOUN
ajbmeb-3150	87	5	issued	issue	VERB
ajbmeb-3150	87	6	to	to	ADP
ajbmeb-3150	87	7	the	the	DET
ajbmeb-3150	87	8	population	population	NOUN
ajbmeb-3150	87	9	in	in	ADP
ajbmeb-3150	87	10	uzbekistan2	uzbekistan2	PROPN
ajbmeb-3150	87	11	,	,	PUNCT
ajbmeb-3150	87	12	billion	billion	NUM
ajbmeb-3150	87	13	soums	soum	NOUN
ajbmeb-3150	87	14	2	2	NUM
ajbmeb-3150	87	15	a	a	DET
ajbmeb-3150	87	16	technical	technical	ADJ
ajbmeb-3150	87	17	report	report	NOUN
ajbmeb-3150	87	18	based	base	VERB
ajbmeb-3150	87	19	on	on	ADP
ajbmeb-3150	87	20	the	the	DET
ajbmeb-3150	87	21	data	datum	NOUN
ajbmeb-3150	87	22	from	from	ADP
ajbmeb-3150	87	23	the	the	DET
ajbmeb-3150	87	24	official	official	ADJ
ajbmeb-3150	87	25	website	website	NOUN
ajbmeb-3150	87	26	of	of	ADP
ajbmeb-3150	87	27	the	the	DET
ajbmeb-3150	87	28	central	central	ADJ
ajbmeb-3150	87	29	bank	bank	NOUN
ajbmeb-3150	87	30	of	of	ADP
ajbmeb-3150	87	31	the	the	DET
ajbmeb-3150	87	32	republic	republic	NOUN
ajbmeb-3150	87	33	of	of	ADP
ajbmeb-3150	87	34	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	87	35	(	(	PUNCT
ajbmeb-3150	87	36	cbu.uz	cbu.uz	PROPN
ajbmeb-3150	87	37	)	)	PUNCT
ajbmeb-3150	87	38	5,836.2	5,836.2	NUM
ajbmeb-3150	87	39	9,950.8	9,950.8	NUM
ajbmeb-3150	87	40	16,696.1	16,696.1	NUM
ajbmeb-3150	87	41	28,749.6	28,749.6	NUM
ajbmeb-3150	87	42	45,839.6	45,839.6	NOUN
ajbmeb-3150	87	43	0.0	0.0	NUM
ajbmeb-3150	87	44	5,000.0	5,000.0	NUM
ajbmeb-3150	87	45	10,000.0	10,000.0	NUM
ajbmeb-3150	87	46	15,000.0	15,000.0	NUM
ajbmeb-3150	87	47	20,000.0	20,000.0	NUM
ajbmeb-3150	87	48	25,000.0	25,000.0	NOUN
ajbmeb-3150	88	1	30,000.0	30,000.0	NUM
ajbmeb-3150	88	2	35,000.0	35,000.0	NOUN
ajbmeb-3150	88	3	40,000.0	40,000.0	NOUN
ajbmeb-3150	88	4	45,000.0	45,000.0	NOUN
ajbmeb-3150	88	5	50,000.0	50,000.0	NOUN
ajbmeb-3150	88	6	2020	2020	NUM
ajbmeb-3150	88	7	2021	2021	NUM
ajbmeb-3150	88	8	2022	2022	NUM
ajbmeb-3150	88	9	2023	2023	NUM
ajbmeb-3150	88	10	2024	2024	NUM
ajbmeb-3150	88	11	american	american	ADJ
ajbmeb-3150	88	12	journal	journal	PROPN
ajbmeb-3150	88	13	of	of	ADP
ajbmeb-3150	88	14	business	business	NOUN
ajbmeb-3150	88	15	management	management	NOUN
ajbmeb-3150	88	16	,	,	PUNCT
ajbmeb-3150	88	17	economics	economic	NOUN
ajbmeb-3150	88	18	and	and	CCONJ
ajbmeb-3150	88	19	banking	banking	NOUN
ajbmeb-3150	88	20	volume	volume	NOUN
ajbmeb-3150	88	21	41	41	NUM
ajbmeb-3150	89	1	october2025	october2025	PROPN
ajbmeb-3150	89	2	p	p	NOUN
ajbmeb-3150	89	3	a	a	DET
ajbmeb-3150	89	4	g	g	NOUN
ajbmeb-3150	89	5	e	e	NOUN
ajbmeb-3150	89	6	|	|	ADV
ajbmeb-3150	89	7	101	101	NUM
ajbmeb-3150	89	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3150	89	9	according	accord	VERB
ajbmeb-3150	89	10	to	to	ADP
ajbmeb-3150	89	11	the	the	DET
ajbmeb-3150	89	12	data	datum	NOUN
ajbmeb-3150	89	13	presented	present	VERB
ajbmeb-3150	89	14	in	in	ADP
ajbmeb-3150	89	15	this	this	DET
ajbmeb-3150	89	16	figure	figure	NOUN
ajbmeb-3150	89	17	,	,	PUNCT
ajbmeb-3150	89	18	the	the	DET
ajbmeb-3150	89	19	volume	volume	NOUN
ajbmeb-3150	89	20	of	of	ADP
ajbmeb-3150	89	21	microloans	microloan	NOUN
ajbmeb-3150	89	22	issued	issue	VERB
ajbmeb-3150	89	23	to	to	ADP
ajbmeb-3150	89	24	the	the	DET
ajbmeb-3150	89	25	population	population	NOUN
ajbmeb-3150	89	26	in	in	ADP
ajbmeb-3150	89	27	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	89	28	grew	grow	VERB
ajbmeb-3150	89	29	steadily	steadily	ADV
ajbmeb-3150	89	30	and	and	CCONJ
ajbmeb-3150	89	31	rapidly	rapidly	ADV
ajbmeb-3150	89	32	between	between	ADP
ajbmeb-3150	89	33	2020	2020	NUM
ajbmeb-3150	89	34	and	and	CCONJ
ajbmeb-3150	89	35	2024	2024	NUM
ajbmeb-3150	89	36	.	.	PUNCT
ajbmeb-3150	90	1	this	this	DET
ajbmeb-3150	90	2	trend	trend	NOUN
ajbmeb-3150	90	3	indicates	indicate	VERB
ajbmeb-3150	90	4	a	a	DET
ajbmeb-3150	90	5	significant	significant	ADJ
ajbmeb-3150	90	6	increase	increase	NOUN
ajbmeb-3150	90	7	in	in	ADP
ajbmeb-3150	90	8	financial	financial	ADJ
ajbmeb-3150	90	9	inclusion	inclusion	NOUN
ajbmeb-3150	90	10	(	(	PUNCT
ajbmeb-3150	90	11	the	the	DET
ajbmeb-3150	90	12	population	population	NOUN
ajbmeb-3150	90	13	’s	’s	PART
ajbmeb-3150	90	14	access	access	NOUN
ajbmeb-3150	90	15	to	to	ADP
ajbmeb-3150	90	16	financial	financial	ADJ
ajbmeb-3150	90	17	services	service	NOUN
ajbmeb-3150	90	18	)	)	PUNCT
ajbmeb-3150	90	19	in	in	ADP
ajbmeb-3150	90	20	the	the	DET
ajbmeb-3150	90	21	country	country	NOUN
ajbmeb-3150	90	22	.	.	PUNCT
ajbmeb-3150	91	1	in	in	ADP
ajbmeb-3150	91	2	2020	2020	NUM
ajbmeb-3150	91	3	,	,	PUNCT
ajbmeb-3150	91	4	the	the	DET
ajbmeb-3150	91	5	volume	volume	NOUN
ajbmeb-3150	91	6	of	of	ADP
ajbmeb-3150	91	7	microloans	microloan	NOUN
ajbmeb-3150	91	8	reached	reach	VERB
ajbmeb-3150	91	9	5,836.2	5,836.2	NUM
ajbmeb-3150	91	10	billion	billion	NUM
ajbmeb-3150	91	11	soums	soum	NOUN
ajbmeb-3150	91	12	,	,	PUNCT
ajbmeb-3150	91	13	rising	rise	VERB
ajbmeb-3150	91	14	to	to	ADP
ajbmeb-3150	91	15	45,839.6	45,839.6	NOUN
ajbmeb-3150	91	16	billion	billion	NUM
ajbmeb-3150	91	17	soums	soum	NOUN
ajbmeb-3150	91	18	by	by	ADP
ajbmeb-3150	91	19	2024	2024	NUM
ajbmeb-3150	91	20	.	.	PUNCT
ajbmeb-3150	92	1	during	during	ADP
ajbmeb-3150	92	2	this	this	DET
ajbmeb-3150	92	3	period	period	NOUN
ajbmeb-3150	92	4	,	,	PUNCT
ajbmeb-3150	92	5	the	the	DET
ajbmeb-3150	92	6	volume	volume	NOUN
ajbmeb-3150	92	7	of	of	ADP
ajbmeb-3150	92	8	microloans	microloan	NOUN
ajbmeb-3150	92	9	increased	increase	VERB
ajbmeb-3150	92	10	nearly	nearly	ADV
ajbmeb-3150	92	11	eightfold	eightfold	ADJ
ajbmeb-3150	92	12	(	(	PUNCT
ajbmeb-3150	92	13	7.9	7.9	NUM
ajbmeb-3150	92	14	times	time	NOUN
ajbmeb-3150	92	15	)	)	PUNCT
ajbmeb-3150	92	16	over	over	ADP
ajbmeb-3150	92	17	four	four	NUM
ajbmeb-3150	92	18	years	year	NOUN
ajbmeb-3150	92	19	.	.	PUNCT
ajbmeb-3150	93	1	the	the	DET
ajbmeb-3150	93	2	average	average	ADJ
ajbmeb-3150	93	3	annual	annual	ADJ
ajbmeb-3150	93	4	growth	growth	NOUN
ajbmeb-3150	93	5	rate	rate	NOUN
ajbmeb-3150	93	6	was	be	AUX
ajbmeb-3150	93	7	approximately	approximately	ADV
ajbmeb-3150	93	8	55–60	55–60	NUM
ajbmeb-3150	93	9	%	%	NOUN
ajbmeb-3150	93	10	,	,	PUNCT
ajbmeb-3150	93	11	indicating	indicate	VERB
ajbmeb-3150	93	12	high	high	ADJ
ajbmeb-3150	93	13	activity	activity	NOUN
ajbmeb-3150	93	14	in	in	ADP
ajbmeb-3150	93	15	the	the	DET
ajbmeb-3150	93	16	financial	financial	ADJ
ajbmeb-3150	93	17	market	market	NOUN
ajbmeb-3150	93	18	.	.	PUNCT
ajbmeb-3150	94	1	one	one	NUM
ajbmeb-3150	94	2	of	of	ADP
ajbmeb-3150	94	3	the	the	DET
ajbmeb-3150	94	4	main	main	ADJ
ajbmeb-3150	94	5	reasons	reason	NOUN
ajbmeb-3150	94	6	for	for	ADP
ajbmeb-3150	94	7	this	this	DET
ajbmeb-3150	94	8	growth	growth	NOUN
ajbmeb-3150	94	9	is	be	AUX
ajbmeb-3150	94	10	the	the	DET
ajbmeb-3150	94	11	expansion	expansion	NOUN
ajbmeb-3150	94	12	of	of	ADP
ajbmeb-3150	94	13	credit	credit	NOUN
ajbmeb-3150	94	14	products	product	NOUN
ajbmeb-3150	94	15	aimed	aim	VERB
ajbmeb-3150	94	16	at	at	ADP
ajbmeb-3150	94	17	the	the	DET
ajbmeb-3150	94	18	population	population	NOUN
ajbmeb-3150	94	19	by	by	ADP
ajbmeb-3150	94	20	commercial	commercial	ADJ
ajbmeb-3150	94	21	banks	bank	NOUN
ajbmeb-3150	94	22	and	and	CCONJ
ajbmeb-3150	94	23	microfinance	microfinance	NOUN
ajbmeb-3150	94	24	organizations	organization	NOUN
ajbmeb-3150	94	25	,	,	PUNCT
ajbmeb-3150	94	26	particularly	particularly	ADV
ajbmeb-3150	94	27	through	through	ADP
ajbmeb-3150	94	28	the	the	DET
ajbmeb-3150	94	29	implementation	implementation	NOUN
ajbmeb-3150	94	30	of	of	ADP
ajbmeb-3150	94	31	online	online	ADJ
ajbmeb-3150	94	32	lending	lending	NOUN
ajbmeb-3150	94	33	systems	system	NOUN
ajbmeb-3150	94	34	.	.	PUNCT
ajbmeb-3150	95	1	the	the	DET
ajbmeb-3150	95	2	government	government	NOUN
ajbmeb-3150	95	3	’s	’s	PART
ajbmeb-3150	95	4	policy	policy	NOUN
ajbmeb-3150	95	5	of	of	ADP
ajbmeb-3150	95	6	supporting	support	VERB
ajbmeb-3150	95	7	small	small	ADJ
ajbmeb-3150	95	8	businesses	business	NOUN
ajbmeb-3150	95	9	,	,	PUNCT
ajbmeb-3150	95	10	entrepreneurship	entrepreneurship	NOUN
ajbmeb-3150	95	11	,	,	PUNCT
ajbmeb-3150	95	12	and	and	CCONJ
ajbmeb-3150	95	13	self	self	NOUN
ajbmeb-3150	95	14	-	-	PUNCT
ajbmeb-3150	95	15	employment	employment	NOUN
ajbmeb-3150	95	16	has	have	AUX
ajbmeb-3150	95	17	had	have	VERB
ajbmeb-3150	95	18	a	a	DET
ajbmeb-3150	95	19	positive	positive	ADJ
ajbmeb-3150	95	20	impact	impact	NOUN
ajbmeb-3150	95	21	on	on	ADP
ajbmeb-3150	95	22	the	the	DET
ajbmeb-3150	95	23	microloan	microloan	NOUN
ajbmeb-3150	95	24	market	market	NOUN
ajbmeb-3150	95	25	.	.	PUNCT
ajbmeb-3150	96	1	the	the	DET
ajbmeb-3150	96	2	development	development	NOUN
ajbmeb-3150	96	3	of	of	ADP
ajbmeb-3150	96	4	digital	digital	ADJ
ajbmeb-3150	96	5	banking	banking	NOUN
ajbmeb-3150	96	6	services	service	NOUN
ajbmeb-3150	96	7	has	have	AUX
ajbmeb-3150	96	8	made	make	VERB
ajbmeb-3150	96	9	it	it	PRON
ajbmeb-3150	96	10	possible	possible	ADJ
ajbmeb-3150	96	11	to	to	PART
ajbmeb-3150	96	12	provide	provide	VERB
ajbmeb-3150	96	13	microloans	microloan	NOUN
ajbmeb-3150	96	14	quickly	quickly	ADV
ajbmeb-3150	96	15	and	and	CCONJ
ajbmeb-3150	96	16	transparently	transparently	ADV
ajbmeb-3150	96	17	.	.	PUNCT
ajbmeb-3150	97	1	microloans	microloan	NOUN
ajbmeb-3150	97	2	are	be	AUX
ajbmeb-3150	97	3	proving	prove	VERB
ajbmeb-3150	97	4	to	to	PART
ajbmeb-3150	97	5	be	be	AUX
ajbmeb-3150	97	6	an	an	DET
ajbmeb-3150	97	7	important	important	ADJ
ajbmeb-3150	97	8	financial	financial	ADJ
ajbmeb-3150	97	9	instrument	instrument	NOUN
ajbmeb-3150	97	10	for	for	ADP
ajbmeb-3150	97	11	enhancing	enhance	VERB
ajbmeb-3150	97	12	the	the	DET
ajbmeb-3150	97	13	population	population	NOUN
ajbmeb-3150	97	14	’s	’s	PART
ajbmeb-3150	97	15	economic	economic	ADJ
ajbmeb-3150	97	16	activity	activity	NOUN
ajbmeb-3150	97	17	,	,	PUNCT
ajbmeb-3150	97	18	supporting	support	VERB
ajbmeb-3150	97	19	small	small	ADJ
ajbmeb-3150	97	20	businesses	business	NOUN
ajbmeb-3150	97	21	,	,	PUNCT
ajbmeb-3150	97	22	and	and	CCONJ
ajbmeb-3150	97	23	creating	create	VERB
ajbmeb-3150	97	24	new	new	ADJ
ajbmeb-3150	97	25	jobs	job	NOUN
ajbmeb-3150	97	26	.	.	PUNCT
ajbmeb-3150	98	1	through	through	ADP
ajbmeb-3150	98	2	this	this	DET
ajbmeb-3150	98	3	channel	channel	NOUN
ajbmeb-3150	98	4	,	,	PUNCT
ajbmeb-3150	98	5	the	the	DET
ajbmeb-3150	98	6	banking	banking	NOUN
ajbmeb-3150	98	7	system	system	NOUN
ajbmeb-3150	98	8	contributes	contribute	VERB
ajbmeb-3150	98	9	to	to	ADP
ajbmeb-3150	98	10	ensuring	ensure	VERB
ajbmeb-3150	98	11	financial	financial	ADJ
ajbmeb-3150	98	12	stability	stability	NOUN
ajbmeb-3150	98	13	and	and	CCONJ
ajbmeb-3150	98	14	social	social	ADJ
ajbmeb-3150	98	15	welfare	welfare	NOUN
ajbmeb-3150	98	16	while	while	SCONJ
ajbmeb-3150	98	17	covering	cover	VERB
ajbmeb-3150	98	18	a	a	DET
ajbmeb-3150	98	19	wide	wide	ADJ
ajbmeb-3150	98	20	segment	segment	NOUN
ajbmeb-3150	98	21	of	of	ADP
ajbmeb-3150	98	22	the	the	DET
ajbmeb-3150	98	23	population	population	NOUN
ajbmeb-3150	98	24	.	.	PUNCT
ajbmeb-3150	99	1	between	between	ADP
ajbmeb-3150	99	2	2020	2020	NUM
ajbmeb-3150	99	3	and	and	CCONJ
ajbmeb-3150	99	4	2024	2024	NUM
ajbmeb-3150	99	5	,	,	PUNCT
ajbmeb-3150	99	6	the	the	DET
ajbmeb-3150	99	7	microloan	microloan	NOUN
ajbmeb-3150	99	8	market	market	NOUN
ajbmeb-3150	99	9	in	in	ADP
ajbmeb-3150	99	10	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	99	11	exhibited	exhibit	VERB
ajbmeb-3150	99	12	an	an	DET
ajbmeb-3150	99	13	exponential	exponential	ADJ
ajbmeb-3150	99	14	growth	growth	NOUN
ajbmeb-3150	99	15	trend	trend	NOUN
ajbmeb-3150	99	16	.	.	PUNCT
ajbmeb-3150	100	1	this	this	DET
ajbmeb-3150	100	2	growth	growth	NOUN
ajbmeb-3150	100	3	reflects	reflect	VERB
ajbmeb-3150	100	4	the	the	DET
ajbmeb-3150	100	5	liberalization	liberalization	NOUN
ajbmeb-3150	100	6	of	of	ADP
ajbmeb-3150	100	7	the	the	DET
ajbmeb-3150	100	8	financial	financial	ADJ
ajbmeb-3150	100	9	market	market	NOUN
ajbmeb-3150	100	10	,	,	PUNCT
ajbmeb-3150	100	11	the	the	DET
ajbmeb-3150	100	12	development	development	NOUN
ajbmeb-3150	100	13	of	of	ADP
ajbmeb-3150	100	14	digital	digital	ADJ
ajbmeb-3150	100	15	infrastructure	infrastructure	NOUN
ajbmeb-3150	100	16	,	,	PUNCT
ajbmeb-3150	100	17	and	and	CCONJ
ajbmeb-3150	100	18	the	the	DET
ajbmeb-3150	100	19	increasing	increase	VERB
ajbmeb-3150	100	20	financial	financial	ADJ
ajbmeb-3150	100	21	literacy	literacy	NOUN
ajbmeb-3150	100	22	of	of	ADP
ajbmeb-3150	100	23	the	the	DET
ajbmeb-3150	100	24	population	population	NOUN
ajbmeb-3150	100	25	.	.	PUNCT
ajbmeb-3150	101	1	this	this	DET
ajbmeb-3150	101	2	trend	trend	NOUN
ajbmeb-3150	101	3	is	be	AUX
ajbmeb-3150	101	4	expected	expect	VERB
ajbmeb-3150	101	5	to	to	PART
ajbmeb-3150	101	6	continue	continue	VERB
ajbmeb-3150	101	7	in	in	ADP
ajbmeb-3150	101	8	the	the	DET
ajbmeb-3150	101	9	future	future	NOUN
ajbmeb-3150	101	10	,	,	PUNCT
ajbmeb-3150	101	11	as	as	SCONJ
ajbmeb-3150	101	12	demand	demand	NOUN
ajbmeb-3150	101	13	for	for	ADP
ajbmeb-3150	101	14	microcredits	microcredit	NOUN
ajbmeb-3150	101	15	remains	remain	VERB
ajbmeb-3150	101	16	high	high	ADJ
ajbmeb-3150	101	17	and	and	CCONJ
ajbmeb-3150	101	18	banks	bank	NOUN
ajbmeb-3150	101	19	plan	plan	VERB
ajbmeb-3150	101	20	to	to	PART
ajbmeb-3150	101	21	further	far	ADV
ajbmeb-3150	101	22	expand	expand	VERB
ajbmeb-3150	101	23	their	their	PRON
ajbmeb-3150	101	24	digital	digital	ADJ
ajbmeb-3150	101	25	products	product	NOUN
ajbmeb-3150	101	26	.	.	PUNCT
ajbmeb-3150	102	1	between	between	ADP
ajbmeb-3150	102	2	2020	2020	NUM
ajbmeb-3150	102	3	and	and	CCONJ
ajbmeb-3150	102	4	2024	2024	NUM
ajbmeb-3150	102	5	,	,	PUNCT
ajbmeb-3150	102	6	the	the	DET
ajbmeb-3150	102	7	volume	volume	NOUN
ajbmeb-3150	102	8	of	of	ADP
ajbmeb-3150	102	9	microloans	microloan	NOUN
ajbmeb-3150	102	10	issued	issue	VERB
ajbmeb-3150	102	11	to	to	ADP
ajbmeb-3150	102	12	the	the	DET
ajbmeb-3150	102	13	population	population	NOUN
ajbmeb-3150	102	14	in	in	ADP
ajbmeb-3150	102	15	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	102	16	grew	grow	VERB
ajbmeb-3150	102	17	rapidly	rapidly	ADV
ajbmeb-3150	102	18	,	,	PUNCT
ajbmeb-3150	102	19	reflecting	reflect	VERB
ajbmeb-3150	102	20	the	the	DET
ajbmeb-3150	102	21	expansion	expansion	NOUN
ajbmeb-3150	102	22	of	of	ADP
ajbmeb-3150	102	23	financial	financial	ADJ
ajbmeb-3150	102	24	inclusion	inclusion	NOUN
ajbmeb-3150	102	25	,	,	PUNCT
ajbmeb-3150	102	26	the	the	DET
ajbmeb-3150	102	27	development	development	NOUN
ajbmeb-3150	102	28	of	of	ADP
ajbmeb-3150	102	29	digital	digital	ADJ
ajbmeb-3150	102	30	lending	lending	NOUN
ajbmeb-3150	102	31	systems	system	NOUN
ajbmeb-3150	102	32	,	,	PUNCT
ajbmeb-3150	102	33	and	and	CCONJ
ajbmeb-3150	102	34	the	the	DET
ajbmeb-3150	102	35	increasing	increase	VERB
ajbmeb-3150	102	36	role	role	NOUN
ajbmeb-3150	102	37	of	of	ADP
ajbmeb-3150	102	38	microloans	microloan	NOUN
ajbmeb-3150	102	39	in	in	ADP
ajbmeb-3150	102	40	ensuring	ensure	VERB
ajbmeb-3150	102	41	the	the	DET
ajbmeb-3150	102	42	social	social	ADJ
ajbmeb-3150	102	43	efficiency	efficiency	NOUN
ajbmeb-3150	102	44	of	of	ADP
ajbmeb-3150	102	45	the	the	DET
ajbmeb-3150	102	46	economy	economy	NOUN
ajbmeb-3150	102	47	.	.	PUNCT
ajbmeb-3150	103	1	conclusion	conclusion	NOUN
ajbmeb-3150	103	2	and	and	CCONJ
ajbmeb-3150	103	3	recommendations	recommendation	NOUN
ajbmeb-3150	103	4	in	in	ADP
ajbmeb-3150	103	5	conclusion	conclusion	NOUN
ajbmeb-3150	103	6	,	,	PUNCT
ajbmeb-3150	103	7	microloans	microloan	NOUN
ajbmeb-3150	103	8	play	play	VERB
ajbmeb-3150	103	9	an	an	DET
ajbmeb-3150	103	10	important	important	ADJ
ajbmeb-3150	103	11	role	role	NOUN
ajbmeb-3150	103	12	for	for	ADP
ajbmeb-3150	103	13	the	the	DET
ajbmeb-3150	103	14	population	population	NOUN
ajbmeb-3150	103	15	in	in	ADP
ajbmeb-3150	103	16	covering	cover	VERB
ajbmeb-3150	103	17	daily	daily	ADJ
ajbmeb-3150	103	18	expenses	expense	NOUN
ajbmeb-3150	103	19	,	,	PUNCT
ajbmeb-3150	103	20	and	and	CCONJ
ajbmeb-3150	103	21	their	their	PRON
ajbmeb-3150	103	22	proper	proper	ADJ
ajbmeb-3150	103	23	management	management	NOUN
ajbmeb-3150	103	24	strengthens	strengthen	VERB
ajbmeb-3150	103	25	the	the	DET
ajbmeb-3150	103	26	relationship	relationship	NOUN
ajbmeb-3150	103	27	between	between	ADP
ajbmeb-3150	103	28	the	the	DET
ajbmeb-3150	103	29	bank	bank	NOUN
ajbmeb-3150	103	30	and	and	CCONJ
ajbmeb-3150	103	31	its	its	PRON
ajbmeb-3150	103	32	clients	client	NOUN
ajbmeb-3150	103	33	.	.	PUNCT
ajbmeb-3150	104	1	in	in	ADP
ajbmeb-3150	104	2	the	the	DET
ajbmeb-3150	104	3	development	development	NOUN
ajbmeb-3150	104	4	of	of	ADP
ajbmeb-3150	104	5	retail	retail	ADJ
ajbmeb-3150	104	6	banking	banking	NOUN
ajbmeb-3150	104	7	services	service	NOUN
ajbmeb-3150	104	8	at	at	ADP
ajbmeb-3150	104	9	commercial	commercial	ADJ
ajbmeb-3150	104	10	banks	bank	NOUN
ajbmeb-3150	104	11	,	,	PUNCT
ajbmeb-3150	104	12	diversifying	diversify	VERB
ajbmeb-3150	104	13	microloan	microloan	NOUN
ajbmeb-3150	104	14	offerings	offering	NOUN
ajbmeb-3150	104	15	is	be	AUX
ajbmeb-3150	104	16	essential	essential	ADJ
ajbmeb-3150	104	17	—	—	PUNCT
ajbmeb-3150	104	18	creating	create	VERB
ajbmeb-3150	104	19	specialized	specialized	ADJ
ajbmeb-3150	104	20	microloan	microloan	NOUN
ajbmeb-3150	104	21	products	product	NOUN
ajbmeb-3150	104	22	for	for	ADP
ajbmeb-3150	104	23	various	various	ADJ
ajbmeb-3150	104	24	segments	segment	NOUN
ajbmeb-3150	104	25	of	of	ADP
ajbmeb-3150	104	26	the	the	DET
ajbmeb-3150	104	27	population	population	NOUN
ajbmeb-3150	104	28	,	,	PUNCT
ajbmeb-3150	104	29	including	include	VERB
ajbmeb-3150	104	30	the	the	DET
ajbmeb-3150	104	31	self	self	NOUN
ajbmeb-3150	104	32	-	-	PUNCT
ajbmeb-3150	104	33	employed	employ	VERB
ajbmeb-3150	104	34	.	.	PUNCT
ajbmeb-3150	105	1	at	at	ADP
ajbmeb-3150	105	2	the	the	DET
ajbmeb-3150	105	3	same	same	ADJ
ajbmeb-3150	105	4	time	time	NOUN
ajbmeb-3150	105	5	,	,	PUNCT
ajbmeb-3150	105	6	it	it	PRON
ajbmeb-3150	105	7	is	be	AUX
ajbmeb-3150	105	8	necessary	necessary	ADJ
ajbmeb-3150	105	9	to	to	PART
ajbmeb-3150	105	10	expand	expand	VERB
ajbmeb-3150	105	11	the	the	DET
ajbmeb-3150	105	12	digital	digital	ADJ
ajbmeb-3150	105	13	lending	lending	NOUN
ajbmeb-3150	105	14	system	system	NOUN
ajbmeb-3150	105	15	,	,	PUNCT
ajbmeb-3150	105	16	ensuring	ensure	VERB
ajbmeb-3150	105	17	compliance	compliance	NOUN
ajbmeb-3150	105	18	with	with	ADP
ajbmeb-3150	105	19	cybersecurity	cybersecurity	NOUN
ajbmeb-3150	105	20	requirements	requirement	NOUN
ajbmeb-3150	105	21	,	,	PUNCT
ajbmeb-3150	105	22	and	and	CCONJ
ajbmeb-3150	105	23	to	to	PART
ajbmeb-3150	105	24	simplify	simplify	VERB
ajbmeb-3150	105	25	and	and	CCONJ
ajbmeb-3150	105	26	automate	automate	VERB
ajbmeb-3150	105	27	the	the	DET
ajbmeb-3150	105	28	provision	provision	NOUN
ajbmeb-3150	105	29	of	of	ADP
ajbmeb-3150	105	30	microloans	microloan	NOUN
ajbmeb-3150	105	31	through	through	ADP
ajbmeb-3150	105	32	online	online	ADJ
ajbmeb-3150	105	33	platforms	platform	NOUN
ajbmeb-3150	105	34	in	in	ADP
ajbmeb-3150	105	35	order	order	NOUN
ajbmeb-3150	105	36	to	to	PART
ajbmeb-3150	105	37	improve	improve	VERB
ajbmeb-3150	105	38	service	service	NOUN
ajbmeb-3150	105	39	quality	quality	NOUN
ajbmeb-3150	105	40	.	.	PUNCT
ajbmeb-3150	106	1	implementing	implement	VERB
ajbmeb-3150	106	2	programs	program	NOUN
ajbmeb-3150	106	3	to	to	PART
ajbmeb-3150	106	4	improve	improve	VERB
ajbmeb-3150	106	5	the	the	DET
ajbmeb-3150	106	6	financial	financial	ADJ
ajbmeb-3150	106	7	literacy	literacy	NOUN
ajbmeb-3150	106	8	of	of	ADP
ajbmeb-3150	106	9	microloan	microloan	NOUN
ajbmeb-3150	106	10	users	user	NOUN
ajbmeb-3150	106	11	can	can	AUX
ajbmeb-3150	106	12	help	help	VERB
ajbmeb-3150	106	13	reduce	reduce	VERB
ajbmeb-3150	106	14	instances	instance	NOUN
ajbmeb-3150	106	15	of	of	ADP
ajbmeb-3150	106	16	delayed	delay	VERB
ajbmeb-3150	106	17	repayments	repayment	NOUN
ajbmeb-3150	106	18	.	.	PUNCT
ajbmeb-3150	107	1	this	this	PRON
ajbmeb-3150	107	2	can	can	AUX
ajbmeb-3150	107	3	be	be	AUX
ajbmeb-3150	107	4	achieved	achieve	VERB
ajbmeb-3150	107	5	by	by	ADP
ajbmeb-3150	107	6	educating	educate	VERB
ajbmeb-3150	107	7	borrowers	borrower	NOUN
ajbmeb-3150	107	8	on	on	ADP
ajbmeb-3150	107	9	the	the	DET
ajbmeb-3150	107	10	effective	effective	ADJ
ajbmeb-3150	107	11	use	use	NOUN
ajbmeb-3150	107	12	of	of	ADP
ajbmeb-3150	107	13	microloans	microloan	NOUN
ajbmeb-3150	107	14	,	,	PUNCT
ajbmeb-3150	107	15	explaining	explain	VERB
ajbmeb-3150	107	16	the	the	DET
ajbmeb-3150	107	17	consequences	consequence	NOUN
ajbmeb-3150	107	18	of	of	ADP
ajbmeb-3150	107	19	non	non	ADJ
ajbmeb-3150	107	20	-	-	NOUN
ajbmeb-3150	107	21	repayment	repayment	NOUN
ajbmeb-3150	107	22	,	,	PUNCT
ajbmeb-3150	107	23	and	and	CCONJ
ajbmeb-3150	107	24	enhancing	enhance	VERB
ajbmeb-3150	107	25	their	their	PRON
ajbmeb-3150	107	26	overall	overall	ADJ
ajbmeb-3150	107	27	financial	financial	ADJ
ajbmeb-3150	107	28	knowledge	knowledge	NOUN
ajbmeb-3150	107	29	.	.	PUNCT
ajbmeb-3150	108	1	it	it	PRON
ajbmeb-3150	108	2	is	be	AUX
ajbmeb-3150	108	3	advisable	advisable	ADJ
ajbmeb-3150	108	4	for	for	SCONJ
ajbmeb-3150	108	5	banks	bank	NOUN
ajbmeb-3150	108	6	to	to	PART
ajbmeb-3150	108	7	implement	implement	VERB
ajbmeb-3150	108	8	advanced	advanced	ADJ
ajbmeb-3150	108	9	risk	risk	NOUN
ajbmeb-3150	108	10	management	management	NOUN
ajbmeb-3150	108	11	methods	method	NOUN
ajbmeb-3150	108	12	,	,	PUNCT
ajbmeb-3150	108	13	including	include	VERB
ajbmeb-3150	108	14	strengthening	strengthen	VERB
ajbmeb-3150	108	15	client	client	NOUN
ajbmeb-3150	108	16	assessment	assessment	NOUN
ajbmeb-3150	108	17	mechanisms	mechanism	NOUN
ajbmeb-3150	108	18	based	base	VERB
ajbmeb-3150	108	19	on	on	ADP
ajbmeb-3150	108	20	credit	credit	NOUN
ajbmeb-3150	108	21	scoring	scoring	NOUN
ajbmeb-3150	108	22	systems	system	NOUN
ajbmeb-3150	108	23	,	,	PUNCT
ajbmeb-3150	108	24	big	big	ADJ
ajbmeb-3150	108	25	data	datum	NOUN
ajbmeb-3150	108	26	,	,	PUNCT
ajbmeb-3150	108	27	and	and	CCONJ
ajbmeb-3150	108	28	artificial	artificial	ADJ
ajbmeb-3150	108	29	intelligence	intelligence	NOUN
ajbmeb-3150	108	30	.	.	PUNCT
ajbmeb-3150	109	1	at	at	ADP
ajbmeb-3150	109	2	the	the	DET
ajbmeb-3150	109	3	same	same	ADJ
ajbmeb-3150	109	4	time	time	NOUN
ajbmeb-3150	109	5	,	,	PUNCT
ajbmeb-3150	109	6	in	in	ADP
ajbmeb-3150	109	7	order	order	NOUN
ajbmeb-3150	109	8	to	to	PART
ajbmeb-3150	109	9	ensure	ensure	VERB
ajbmeb-3150	109	10	the	the	DET
ajbmeb-3150	109	11	sustainable	sustainable	ADJ
ajbmeb-3150	109	12	development	development	NOUN
ajbmeb-3150	109	13	of	of	ADP
ajbmeb-3150	109	14	the	the	DET
ajbmeb-3150	109	15	microloan	microloan	NOUN
ajbmeb-3150	109	16	market	market	NOUN
ajbmeb-3150	109	17	in	in	ADP
ajbmeb-3150	109	18	the	the	DET
ajbmeb-3150	109	19	future	future	NOUN
ajbmeb-3150	109	20	,	,	PUNCT
ajbmeb-3150	109	21	it	it	PRON
ajbmeb-3150	109	22	is	be	AUX
ajbmeb-3150	109	23	important	important	ADJ
ajbmeb-3150	109	24	to	to	PART
ajbmeb-3150	109	25	enhance	enhance	VERB
ajbmeb-3150	109	26	financial	financial	ADJ
ajbmeb-3150	109	27	literacy	literacy	NOUN
ajbmeb-3150	109	28	,	,	PUNCT
ajbmeb-3150	109	29	improve	improve	VERB
ajbmeb-3150	109	30	risk	risk	NOUN
ajbmeb-3150	109	31	management	management	NOUN
ajbmeb-3150	109	32	systems	system	NOUN
ajbmeb-3150	109	33	,	,	PUNCT
ajbmeb-3150	109	34	and	and	CCONJ
ajbmeb-3150	109	35	further	far	ADV
ajbmeb-3150	109	36	expand	expand	VERB
ajbmeb-3150	109	37	the	the	DET
ajbmeb-3150	109	38	online	online	ADJ
ajbmeb-3150	109	39	lending	lending	NOUN
ajbmeb-3150	109	40	infrastructure	infrastructure	NOUN
ajbmeb-3150	109	41	.	.	PUNCT
ajbmeb-3150	110	1	american	american	PROPN
ajbmeb-3150	110	2	journal	journal	PROPN
ajbmeb-3150	110	3	of	of	ADP
ajbmeb-3150	110	4	business	business	NOUN
ajbmeb-3150	110	5	management	management	NOUN
ajbmeb-3150	110	6	,	,	PUNCT
ajbmeb-3150	110	7	economics	economic	NOUN
ajbmeb-3150	110	8	and	and	CCONJ
ajbmeb-3150	110	9	banking	banking	NOUN
ajbmeb-3150	110	10	volume	volume	NOUN
ajbmeb-3150	110	11	41	41	NUM
ajbmeb-3150	111	1	october2025	october2025	PROPN
ajbmeb-3150	111	2	p	p	NOUN
ajbmeb-3150	111	3	a	a	PRON
ajbmeb-3150	111	4	g	g	NOUN
ajbmeb-3150	111	5	e	e	NOUN
ajbmeb-3150	112	1	|	|	ADV
ajbmeb-3150	112	2	102	102	NUM
ajbmeb-3150	112	3	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-3150	112	4	references	reference	NOUN
ajbmeb-3150	112	5	1	1	NUM
ajbmeb-3150	112	6	.	.	PUNCT
ajbmeb-3150	112	7	law	law	NOUN
ajbmeb-3150	112	8	of	of	ADP
ajbmeb-3150	112	9	the	the	DET
ajbmeb-3150	112	10	republic	republic	NOUN
ajbmeb-3150	112	11	of	of	ADP
ajbmeb-3150	112	12	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	112	13	no	no	PROPN
ajbmeb-3150	112	14	.	.	PROPN
ajbmeb-3150	112	15	urq-765	urq-765	PROPN
ajbmeb-3150	112	16	dated	date	VERB
ajbmeb-3150	112	17	april	april	PROPN
ajbmeb-3150	112	18	20	20	NUM
ajbmeb-3150	112	19	,	,	PUNCT
ajbmeb-3150	112	20	2022	2022	NUM
ajbmeb-3150	112	21	,	,	PUNCT
ajbmeb-3150	112	22	“	"	PUNCT
ajbmeb-3150	112	23	on	on	ADP
ajbmeb-3150	112	24	non	non	ADJ
ajbmeb-3150	112	25	-	-	ADJ
ajbmeb-3150	112	26	bank	bank	ADJ
ajbmeb-3150	112	27	credit	credit	NOUN
ajbmeb-3150	112	28	organizations	organization	NOUN
ajbmeb-3150	112	29	and	and	CCONJ
ajbmeb-3150	112	30	microfinance	microfinance	NOUN
ajbmeb-3150	112	31	activities	activity	NOUN
ajbmeb-3150	112	32	”	"	PUNCT
ajbmeb-3150	112	33	2	2	NUM
ajbmeb-3150	112	34	.	.	PUNCT
ajbmeb-3150	112	35	decree	decree	NOUN
ajbmeb-3150	112	36	no	no	NOUN
ajbmeb-3150	112	37	.	.	PROPN
ajbmeb-3150	112	38	3620	3620	NUM
ajbmeb-3150	112	39	of	of	ADP
ajbmeb-3150	112	40	the	the	DET
ajbmeb-3150	112	41	president	president	NOUN
ajbmeb-3150	112	42	of	of	ADP
ajbmeb-3150	112	43	the	the	DET
ajbmeb-3150	112	44	republic	republic	NOUN
ajbmeb-3150	112	45	of	of	ADP
ajbmeb-3150	112	46	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	112	47	dated	date	VERB
ajbmeb-3150	112	48	march	march	PROPN
ajbmeb-3150	112	49	23	23	NUM
ajbmeb-3150	112	50	,	,	PUNCT
ajbmeb-3150	112	51	2018	2018	NUM
ajbmeb-3150	112	52	,	,	PUNCT
ajbmeb-3150	112	53	“	"	PUNCT
ajbmeb-3150	112	54	on	on	ADP
ajbmeb-3150	112	55	additional	additional	ADJ
ajbmeb-3150	112	56	measures	measure	NOUN
ajbmeb-3150	112	57	to	to	PART
ajbmeb-3150	112	58	increase	increase	VERB
ajbmeb-3150	112	59	the	the	DET
ajbmeb-3150	112	60	accessibility	accessibility	NOUN
ajbmeb-3150	112	61	of	of	ADP
ajbmeb-3150	112	62	banking	banking	NOUN
ajbmeb-3150	112	63	services	service	NOUN
ajbmeb-3150	112	64	”	"	PUNCT
ajbmeb-3150	112	65	3	3	NUM
ajbmeb-3150	112	66	.	.	PUNCT
ajbmeb-3150	113	1	liu	liu	PROPN
ajbmeb-3150	113	2	,	,	PUNCT
ajbmeb-3150	113	3	fan	fan	PROPN
ajbmeb-3150	113	4	&	&	CCONJ
ajbmeb-3150	113	5	villamil	villamil	PROPN
ajbmeb-3150	113	6	,	,	PUNCT
ajbmeb-3150	113	7	anne	anne	PROPN
ajbmeb-3150	113	8	.	.	PUNCT
ajbmeb-3150	113	9	(	(	PUNCT
ajbmeb-3150	113	10	2021	2021	NUM
ajbmeb-3150	113	11	)	)	PUNCT
ajbmeb-3150	113	12	.	.	PUNCT
ajbmeb-3150	114	1	microfinance	microfinance	NOUN
ajbmeb-3150	114	2	in	in	ADP
ajbmeb-3150	114	3	the	the	DET
ajbmeb-3150	114	4	u.s	u.s	PROPN
ajbmeb-3150	114	5	..	..	PROPN
ajbmeb-3150	114	6	ssrn	ssrn	PROPN
ajbmeb-3150	114	7	electronic	electronic	ADJ
ajbmeb-3150	114	8	journal	journal	NOUN
ajbmeb-3150	114	9	.	.	PUNCT
ajbmeb-3150	115	1	10.2139	10.2139	NUM
ajbmeb-3150	115	2	/	/	SYM
ajbmeb-3150	115	3	ssrn.4219367	ssrn.4219367	PROPN
ajbmeb-3150	115	4	4	4	NUM
ajbmeb-3150	115	5	.	.	PUNCT
ajbmeb-3150	115	6	muhammad	muhammad	PROPN
ajbmeb-3150	115	7	meki	meki	PROPN
ajbmeb-3150	115	8	,	,	PUNCT
ajbmeb-3150	115	9	simon	simon	PROPN
ajbmeb-3150	115	10	quinn	quinn	PROPN
ajbmeb-3150	115	11	,	,	PUNCT
ajbmeb-3150	115	12	microfinance	microfinance	NOUN
ajbmeb-3150	115	13	:	:	PUNCT
ajbmeb-3150	115	14	an	an	DET
ajbmeb-3150	115	15	overview	overview	NOUN
ajbmeb-3150	115	16	,	,	PUNCT
ajbmeb-3150	115	17	oxford	oxford	PROPN
ajbmeb-3150	115	18	review	review	NOUN
ajbmeb-3150	115	19	of	of	ADP
ajbmeb-3150	115	20	economic	economic	ADJ
ajbmeb-3150	115	21	policy	policy	NOUN
ajbmeb-3150	115	22	,	,	PUNCT
ajbmeb-3150	115	23	volume	volume	NOUN
ajbmeb-3150	115	24	40	40	NUM
ajbmeb-3150	115	25	,	,	PUNCT
ajbmeb-3150	115	26	issue	issue	NOUN
ajbmeb-3150	115	27	1	1	NUM
ajbmeb-3150	115	28	,	,	PUNCT
ajbmeb-3150	115	29	spring	spring	NOUN
ajbmeb-3150	115	30	2024	2024	NUM
ajbmeb-3150	115	31	,	,	PUNCT
ajbmeb-3150	115	32	pages	page	NOUN
ajbmeb-3150	115	33	1–7	1–7	NUM
ajbmeb-3150	115	34	,	,	PUNCT
ajbmeb-3150	115	35	https://doi.org/10.1093/oxrep/grae004	https://doi.org/10.1093/oxrep/grae004	NOUN
ajbmeb-3150	115	36	5	5	NUM
ajbmeb-3150	115	37	.	.	PUNCT
ajbmeb-3150	116	1	muhammad	muhammad	PROPN
ajbmeb-3150	116	2	yunus	yunus	PROPN
ajbmeb-3150	116	3	.	.	PUNCT
ajbmeb-3150	116	4	banker	banker	PROPN
ajbmeb-3150	116	5	to	to	ADP
ajbmeb-3150	116	6	the	the	DET
ajbmeb-3150	116	7	poor	poor	ADJ
ajbmeb-3150	116	8	:	:	PUNCT
ajbmeb-3150	116	9	micro	micro	ADJ
ajbmeb-3150	116	10	-	-	NOUN
ajbmeb-3150	116	11	lending	lending	NOUN
ajbmeb-3150	116	12	and	and	CCONJ
ajbmeb-3150	116	13	the	the	DET
ajbmeb-3150	116	14	battle	battle	NOUN
ajbmeb-3150	116	15	against	against	ADP
ajbmeb-3150	116	16	world	world	NOUN
ajbmeb-3150	116	17	poverty	poverty	NOUN
ajbmeb-3150	116	18	.	.	PUNCT
ajbmeb-3150	117	1	public	public	ADJ
ajbmeb-3150	117	2	affairs	affair	NOUN
ajbmeb-3150	117	3	.	.	PUNCT
ajbmeb-3150	118	1	2008	2008	NUM
ajbmeb-3150	118	2	.	.	PUNCT
ajbmeb-3150	119	1	273	273	NUM
ajbmeb-3150	119	2	p.	p.	NOUN
ajbmeb-3150	119	3	6	6	NUM
ajbmeb-3150	119	4	.	.	PUNCT
ajbmeb-3150	120	1	muhammad	muhammad	PROPN
ajbmeb-3150	120	2	yunus	yunus	PROPN
ajbmeb-3150	120	3	.	.	PUNCT
ajbmeb-3150	121	1	building	build	VERB
ajbmeb-3150	121	2	social	social	ADJ
ajbmeb-3150	121	3	business	business	NOUN
ajbmeb-3150	121	4	:	:	PUNCT
ajbmeb-3150	121	5	the	the	DET
ajbmeb-3150	121	6	new	new	ADJ
ajbmeb-3150	121	7	kind	kind	NOUN
ajbmeb-3150	121	8	of	of	ADP
ajbmeb-3150	121	9	capitalism	capitalism	NOUN
ajbmeb-3150	121	10	that	that	PRON
ajbmeb-3150	121	11	serves	serve	VERB
ajbmeb-3150	121	12	humanity	humanity	NOUN
ajbmeb-3150	121	13	’s	’s	PART
ajbmeb-3150	121	14	most	most	ADV
ajbmeb-3150	121	15	pressing	press	VERB
ajbmeb-3150	121	16	needs	need	NOUN
ajbmeb-3150	121	17	.	.	PUNCT
ajbmeb-3150	122	1	public	public	ADJ
ajbmeb-3150	122	2	affairs	affair	NOUN
ajbmeb-3150	122	3	,	,	PUNCT
ajbmeb-3150	122	4	2011	2011	NUM
ajbmeb-3150	122	5	.	.	PUNCT
ajbmeb-3150	123	1	256	256	NUM
ajbmeb-3150	123	2	p.	p.	NOUN
ajbmeb-3150	123	3	7	7	NUM
ajbmeb-3150	123	4	.	.	PUNCT
ajbmeb-3150	124	1	umarov	umarov	PROPN
ajbmeb-3150	124	2	,	,	PUNCT
ajbmeb-3150	124	3	z.	z.	PROPN
ajbmeb-3150	124	4	a.	a.	PROPN
ajbmeb-3150	124	5	(	(	PUNCT
ajbmeb-3150	124	6	2020	2020	NUM
ajbmeb-3150	124	7	)	)	PUNCT
ajbmeb-3150	124	8	.	.	PUNCT
ajbmeb-3150	125	1	financial	financial	ADJ
ajbmeb-3150	125	2	inclusion	inclusion	NOUN
ajbmeb-3150	125	3	and	and	CCONJ
ajbmeb-3150	125	4	its	its	PRON
ajbmeb-3150	125	5	dependence	dependence	NOUN
ajbmeb-3150	125	6	on	on	ADP
ajbmeb-3150	125	7	banking	banking	NOUN
ajbmeb-3150	125	8	services	service	NOUN
ajbmeb-3150	125	9	in	in	ADP
ajbmeb-3150	125	10	uzbekistan	uzbekistan	PROPN
ajbmeb-3150	125	11	.	.	PUNCT
ajbmeb-3150	126	1	international	international	ADJ
ajbmeb-3150	126	2	journal	journal	PROPN
ajbmeb-3150	126	3	of	of	ADP
ajbmeb-3150	126	4	psychosocial	psychosocial	ADJ
ajbmeb-3150	126	5	rehabilitation	rehabilitation	NOUN
ajbmeb-3150	126	6	,	,	PUNCT
ajbmeb-3150	126	7	24(5	24(5	NOUN
ajbmeb-3150	126	8	)	)	PUNCT
ajbmeb-3150	126	9	,	,	PUNCT
ajbmeb-3150	126	10	6055–6067	6055–6067	NOUN
ajbmeb-3150	126	11	.	.	PUNCT
ajbmeb-3150	127	1	https://doi.org/10.37200/ijpr/v24i5/pr2020583	https://doi.org/10.37200/ijpr/v24i5/pr2020583	NOUN
ajbmeb-3150	127	2	8	8	NUM
ajbmeb-3150	127	3	.	.	PUNCT
ajbmeb-3150	128	1	богатова	богатова	VERB
ajbmeb-3150	128	2	а.а	а.а	PROPN
ajbmeb-3150	128	3	.	.	PROPN
ajbmeb-3150	128	4	,	,	PUNCT
ajbmeb-3150	128	5	зотова	зотова	NOUN
ajbmeb-3150	128	6	а.и	а.и	PROPN
ajbmeb-3150	128	7	.	.	PROPN
ajbmeb-3150	128	8	история	история	PROPN
ajbmeb-3150	128	9	зарождения	зарождения	PROPN
ajbmeb-3150	128	10	и	и	PROPN
ajbmeb-3150	128	11	развития	развития	PROPN
ajbmeb-3150	128	12	микрофинансирования	микрофинансирования	NOUN
ajbmeb-3150	128	13	в	в	PROPN
ajbmeb-3150	128	14	зарубежных	зарубежных	PROPN
ajbmeb-3150	128	15	странах	странах	VERB
ajbmeb-3150	129	1	//	//	X
ajbmeb-3150	129	2	вестник	вестник	ADP
ajbmeb-3150	129	3	науки	науки	PROPN
ajbmeb-3150	129	4	и	и	PROPN
ajbmeb-3150	129	5	образования	образования	NOUN
ajbmeb-3150	129	6	.	.	PUNCT
ajbmeb-3150	129	7	—	—	PUNCT
ajbmeb-3150	129	8	2017	2017	NUM
ajbmeb-3150	129	9	.	.	PUNCT
ajbmeb-3150	129	10	—	—	PUNCT
ajbmeb-3150	129	11	т	т	X
ajbmeb-3150	129	12	.	.	NOUN
ajbmeb-3150	129	13	1	1	NUM
ajbmeb-3150	129	14	.	.	X
ajbmeb-3150	129	15	—	—	PUNCT
ajbmeb-3150	130	1	вып	вып	PROPN
ajbmeb-3150	130	2	.	.	PROPN
ajbmeb-3150	130	3	6	6	NUM
ajbmeb-3150	130	4	(	(	PUNCT
ajbmeb-3150	130	5	30	30	NUM
ajbmeb-3150	130	6	)	)	PUNCT
ajbmeb-3150	130	7	.	.	PUNCT
ajbmeb-3150	130	8	—	—	PUNCT
ajbmeb-3150	131	1	с	с	X
ajbmeb-3150	131	2	.	.	PROPN
ajbmeb-3150	131	3	36	36	NUM
ajbmeb-3150	131	4	–	–	PUNCT
ajbmeb-3150	131	5	38	38	NUM
ajbmeb-3150	131	6	.	.	NOUN
ajbmeb-3150	131	7	9	9	NUM
ajbmeb-3150	131	8	.	.	X
ajbmeb-3150	131	9	щурина	щурина	PROPN
ajbmeb-3150	131	10	с.в	с.в	PROPN
ajbmeb-3150	131	11	.	.	PROPN
ajbmeb-3150	131	12	развитие	развитие	ADJ
ajbmeb-3150	131	13	микрофинансирования	микрофинансирования	NOUN
ajbmeb-3150	131	14	и	и	PROPN
ajbmeb-3150	131	15	повышения	повышения	ADJ
ajbmeb-3150	131	16	доступности	доступности	PROPN
ajbmeb-3150	131	17	микрозаймов	микрозаймов	PROPN
ajbmeb-3150	131	18	для	для	PROPN
ajbmeb-3150	131	19	субъектов	субъектов	PROPN
ajbmeb-3150	131	20	хозяйствования	хозяйствования	PROPN
ajbmeb-3150	131	21	//	//	SYM
ajbmeb-3150	131	22	экономика	экономика	PROPN
ajbmeb-3150	131	23	.	.	PUNCT
ajbmeb-3150	132	1	налоги	налоги	PROPN
ajbmeb-3150	132	2	.	.	PUNCT
ajbmeb-3150	133	1	право	право	PROPN
ajbmeb-3150	133	2	.	.	PUNCT
ajbmeb-3150	134	1	2021	2021	NUM
ajbmeb-3150	134	2	.	.	PUNCT
ajbmeb-3150	135	1	№	№	ADP
ajbmeb-3150	135	2	3	3	NUM
ajbmeb-3150	135	3	.	.	PUNCT
ajbmeb-3150	135	4	url	url	PROPN
ajbmeb-3150	135	5	:	:	PUNCT
ajbmeb-3150	135	6	https://cyberleninka.ru/article/n/razvitie-mikrofinansirovaniya-i-povysheniya-dostupnostimikrozaymov-dlya-subektov-hozyaystvovaniya	https://cyberleninka.ru/article/n/razvitie-mikrofinansirovaniya-i-povysheniya-dostupnostimikrozaymov-dlya-subektov-hozyaystvovaniya	PROPN
ajbmeb-3150	135	7	10	10	NUM
ajbmeb-3150	135	8	.	.	PUNCT
ajbmeb-3150	135	9	https://fincult.info/article/mikrofinansovye-organizatsii-chem-otlichayutsya-mkk-ot-mfk	https://fincult.info/article/mikrofinansovye-organizatsii-chem-otlichayutsya-mkk-ot-mfk	PROPN