id	sid	tid	token	lemma	pos
gp-33	1	1	144	144	NUM
gp-33	1	2	american	american	PROPN
gp-33	1	3	journal	journal	PROPN
gp-33	1	4	of	of	ADP
gp-33	1	5	economic	economic	ADJ
gp-33	1	6	and	and	CCONJ
gp-33	1	7	management	management	NOUN
gp-33	1	8	business	business	NOUN
gp-33	1	9	e	e	NOUN
gp-33	1	10	-	-	NOUN
gp-33	1	11	issn	issn	ADJ
gp-33	1	12	:	:	PUNCT
gp-33	1	13	2835	2835	NUM
gp-33	1	14	-	-	SYM
gp-33	1	15	5199	5199	NUM
gp-33	1	16	vol	vol	NOUN
gp-33	1	17	.	.	NOUN
gp-33	1	18	2	2	NUM
gp-33	1	19	no	no	NOUN
gp-33	1	20	.	.	NOUN
gp-33	1	21	4	4	NUM
gp-33	1	22	april	april	PROPN
gp-33	1	23	2023	2023	NUM
gp-33	1	24	financial	financial	ADJ
gp-33	1	25	inclusion	inclusion	NOUN
gp-33	1	26	policy	policy	NOUN
gp-33	1	27	and	and	CCONJ
gp-33	1	28	planned	plan	VERB
gp-33	1	29	tribes	tribe	NOUN
gp-33	1	30	in	in	ADP
gp-33	1	31	mayurbhanj	mayurbhanj	ADJ
gp-33	1	32	district	district	NOUN
gp-33	1	33	,	,	PUNCT
gp-33	1	34	odisha	odisha	PROPN
gp-33	1	35	rupak	rupak	PROPN
gp-33	1	36	kumar	kumar	PROPN
gp-33	1	37	tung	tung	PROPN
gp-33	1	38	the	the	DET
gp-33	1	39	maharaja	maharaja	PROPN
gp-33	1	40	sriram	sriram	PROPN
gp-33	1	41	chandra	chandra	PROPN
gp-33	1	42	bhanja	bhanja	PROPN
gp-33	1	43	deo	deo	PROPN
gp-33	1	44	university	university	PROPN
gp-33	1	45	(	(	PUNCT
gp-33	1	46	mscb	mscb	PROPN
gp-33	1	47	)	)	PUNCT
gp-33	1	48	,	,	PUNCT
gp-33	1	49	india	india	PROPN
gp-33	1	50	email	email	NOUN
gp-33	1	51	:	:	PUNCT
gp-33	1	52	tungrupakkumar@gmail.com	tungrupakkumar@gmail.com	X
gp-33	2	1	abstract	abstract	ADJ
gp-33	2	2	the	the	DET
gp-33	2	3	government	government	NOUN
gp-33	2	4	's	's	PART
gp-33	2	5	policy	policy	NOUN
gp-33	2	6	of	of	ADP
gp-33	2	7	opening	open	VERB
gp-33	2	8	bank	bank	NOUN
gp-33	2	9	branches	branch	NOUN
gp-33	2	10	in	in	ADP
gp-33	2	11	tribal	tribal	ADJ
gp-33	2	12	areas	area	NOUN
gp-33	2	13	and	and	CCONJ
gp-33	2	14	funding	fund	VERB
gp-33	2	15	priority	priority	NOUN
gp-33	2	16	areas	area	NOUN
gp-33	2	17	is	be	AUX
gp-33	2	18	very	very	ADV
gp-33	2	19	welcome	welcome	ADJ
gp-33	2	20	.	.	PUNCT
gp-33	3	1	facilities	facility	NOUN
gp-33	3	2	offered	offer	VERB
gp-33	3	3	in	in	ADP
gp-33	3	4	these	these	DET
gp-33	3	5	tribal	tribal	ADJ
gp-33	3	6	areas	area	NOUN
gp-33	3	7	include	include	VERB
gp-33	3	8	basic	basic	ADJ
gp-33	3	9	savings	saving	NOUN
gp-33	3	10	bank	bank	NOUN
gp-33	3	11	deposit	deposit	NOUN
gp-33	3	12	account	account	NOUN
gp-33	3	13	(	(	PUNCT
gp-33	3	14	bsbda	bsbda	NOUN
gp-33	3	15	)	)	PUNCT
gp-33	3	16	and	and	CCONJ
gp-33	3	17	no	no	DET
gp-33	3	18	-	-	PUNCT
gp-33	3	19	frills	frill	NOUN
gp-33	3	20	deposit	deposit	NOUN
gp-33	3	21	account	account	NOUN
gp-33	3	22	opening	opening	NOUN
gp-33	3	23	,	,	PUNCT
gp-33	3	24	making	make	VERB
gp-33	3	25	it	it	PRON
gp-33	3	26	easy	easy	ADJ
gp-33	3	27	for	for	SCONJ
gp-33	3	28	customers	customer	NOUN
gp-33	3	29	to	to	PART
gp-33	3	30	know	know	VERB
gp-33	3	31	their	their	PRON
gp-33	3	32	requirements	requirement	NOUN
gp-33	3	33	.	.	PUNCT
gp-33	4	1	self	self	NOUN
gp-33	4	2	-	-	PUNCT
gp-33	4	3	help	help	NOUN
gp-33	4	4	group	group	NOUN
gp-33	4	5	bank	bank	NOUN
gp-33	4	6	liaison	liaison	NOUN
gp-33	4	7	programs	program	NOUN
gp-33	4	8	are	be	AUX
gp-33	4	9	another	another	DET
gp-33	4	10	way	way	NOUN
gp-33	4	11	to	to	PART
gp-33	4	12	increase	increase	VERB
gp-33	4	13	the	the	DET
gp-33	4	14	income	income	NOUN
gp-33	4	15	of	of	ADP
gp-33	4	16	poor	poor	ADJ
gp-33	4	17	households	household	NOUN
gp-33	4	18	by	by	ADP
gp-33	4	19	providing	provide	VERB
gp-33	4	20	financial	financial	ADJ
gp-33	4	21	services	service	NOUN
gp-33	4	22	through	through	ADP
gp-33	4	23	public	public	ADJ
gp-33	4	24	institutions	institution	NOUN
gp-33	4	25	.	.	PUNCT
gp-33	5	1	macro	macro	ADJ
gp-33	5	2	-	-	NOUN
gp-33	5	3	level	level	NOUN
gp-33	5	4	data	datum	NOUN
gp-33	5	5	analysis	analysis	NOUN
gp-33	5	6	showed	show	VERB
gp-33	5	7	high	high	ADJ
gp-33	5	8	scores	score	NOUN
gp-33	5	9	in	in	ADP
gp-33	5	10	chhattisgarh	chhattisgarh	PROPN
gp-33	5	11	,	,	PUNCT
gp-33	5	12	jharkhand	jharkhand	PROPN
gp-33	5	13	,	,	PUNCT
gp-33	5	14	rajasthan	rajasthan	PROPN
gp-33	5	15	,	,	PUNCT
gp-33	5	16	madhya	madhya	PROPN
gp-33	5	17	pradesh	pradesh	PROPN
gp-33	5	18	,	,	PUNCT
gp-33	5	19	andhra	andhra	PROPN
gp-33	5	20	pradesh	pradesh	PROPN
gp-33	5	21	,	,	PUNCT
gp-33	5	22	maharashtra	maharashtra	PROPN
gp-33	5	23	,	,	PUNCT
gp-33	5	24	orissa	orissa	PROPN
gp-33	5	25	,	,	PUNCT
gp-33	5	26	gujarat	gujarat	PROPN
gp-33	5	27	,	,	PUNCT
gp-33	5	28	tamil	tamil	PROPN
gp-33	5	29	nadu	nadu	PROPN
gp-33	5	30	and	and	CCONJ
gp-33	5	31	karnataka	karnataka	PROPN
gp-33	5	32	.	.	PUNCT
gp-33	6	1	rice	rice	NOUN
gp-33	6	2	field	field	NOUN
gp-33	6	3	.	.	PUNCT
gp-33	7	1	financial	financial	ADJ
gp-33	7	2	inclusion	inclusion	NOUN
gp-33	7	3	is	be	AUX
gp-33	7	4	considered	consider	VERB
gp-33	7	5	achieved	achieve	VERB
gp-33	7	6	.	.	PUNCT
gp-33	8	1	at	at	ADP
gp-33	8	2	the	the	DET
gp-33	8	3	same	same	ADJ
gp-33	8	4	time	time	NOUN
gp-33	8	5	,	,	PUNCT
gp-33	8	6	it	it	PRON
gp-33	8	7	was	be	AUX
gp-33	8	8	low	low	ADJ
gp-33	8	9	in	in	ADP
gp-33	8	10	bihar	bihar	NOUN
gp-33	8	11	,	,	PUNCT
gp-33	8	12	harayana	harayana	PROPN
gp-33	8	13	,	,	PUNCT
gp-33	8	14	assam	assam	PROPN
gp-33	8	15	,	,	PUNCT
gp-33	8	16	kerala	kerala	PROPN
gp-33	8	17	,	,	PUNCT
gp-33	8	18	punjab	punjab	ADJ
gp-33	8	19	,	,	PUNCT
gp-33	8	20	west	west	PROPN
gp-33	8	21	bengal	bengal	PROPN
gp-33	8	22	and	and	CCONJ
gp-33	8	23	uttar	uttar	PROPN
gp-33	8	24	pradesh	pradesh	PROPN
gp-33	8	25	.	.	PUNCT
gp-33	9	1	government	government	NOUN
gp-33	9	2	programs	program	NOUN
gp-33	9	3	such	such	ADJ
gp-33	9	4	as	as	ADP
gp-33	9	5	the	the	DET
gp-33	9	6	mgnreg	mgnreg	PROPN
gp-33	9	7	program	program	NOUN
gp-33	9	8	,	,	PUNCT
gp-33	9	9	microcredit	microcredit	NOUN
gp-33	9	10	facility	facility	NOUN
gp-33	9	11	,	,	PUNCT
gp-33	9	12	pmjdy	pmjdy	NOUN
gp-33	9	13	,	,	PUNCT
gp-33	9	14	old	old	ADJ
gp-33	9	15	age	age	NOUN
gp-33	9	16	pension	pension	NOUN
gp-33	9	17	,	,	PUNCT
gp-33	9	18	shg	shg	PROPN
gp-33	9	19	bank	bank	PROPN
gp-33	9	20	account	account	PROPN
gp-33	9	21	,	,	PUNCT
gp-33	9	22	and	and	CCONJ
gp-33	9	23	kisan	kisan	NOUN
gp-33	9	24	credit	credit	NOUN
gp-33	9	25	card	card	NOUN
gp-33	9	26	have	have	AUX
gp-33	9	27	had	have	VERB
gp-33	9	28	a	a	DET
gp-33	9	29	significant	significant	ADJ
gp-33	9	30	impact	impact	NOUN
gp-33	9	31	on	on	ADP
gp-33	9	32	the	the	DET
gp-33	9	33	economic	economic	ADJ
gp-33	9	34	status	status	NOUN
gp-33	9	35	of	of	ADP
gp-33	9	36	the	the	DET
gp-33	9	37	tribesmen	tribesman	NOUN
gp-33	9	38	in	in	ADP
gp-33	9	39	some	some	DET
gp-33	9	40	villages	village	NOUN
gp-33	9	41	in	in	ADP
gp-33	9	42	mayurbhanj	mayurbhanj	ADJ
gp-33	9	43	district	district	NOUN
gp-33	9	44	.	.	PUNCT
gp-33	10	1	the	the	DET
gp-33	10	2	majority	majority	NOUN
gp-33	10	3	of	of	ADP
gp-33	10	4	selected	select	VERB
gp-33	10	5	indigenous	indigenous	ADJ
gp-33	10	6	households	household	NOUN
gp-33	10	7	have	have	VERB
gp-33	10	8	bank	bank	NOUN
gp-33	10	9	accounts	account	NOUN
gp-33	10	10	,	,	PUNCT
gp-33	10	11	and	and	CCONJ
gp-33	10	12	program	program	NOUN
gp-33	10	13	rewards	reward	NOUN
gp-33	10	14	are	be	AUX
gp-33	10	15	paid	pay	VERB
gp-33	10	16	through	through	ADP
gp-33	10	17	each	each	DET
gp-33	10	18	program	program	NOUN
gp-33	10	19	beneficiary	beneficiary	NOUN
gp-33	10	20	's	's	PART
gp-33	10	21	individual	individual	ADJ
gp-33	10	22	bank	bank	PROPN
gp-33	10	23	account	account	NOUN
gp-33	10	24	.	.	PUNCT
gp-33	11	1	the	the	DET
gp-33	11	2	gradual	gradual	ADJ
gp-33	11	3	introduction	introduction	NOUN
gp-33	11	4	of	of	ADP
gp-33	11	5	government	government	NOUN
gp-33	11	6	and	and	CCONJ
gp-33	11	7	banking	banking	NOUN
gp-33	11	8	programs	program	NOUN
gp-33	11	9	contributes	contribute	VERB
gp-33	11	10	significantly	significantly	ADV
gp-33	11	11	to	to	ADP
gp-33	11	12	the	the	DET
gp-33	11	13	success	success	NOUN
gp-33	11	14	of	of	ADP
gp-33	11	15	indigenous	indigenous	ADJ
gp-33	11	16	integration	integration	NOUN
gp-33	11	17	keywords	keyword	NOUN
gp-33	11	18	:	:	PUNCT
gp-33	11	19	financial	financial	ADJ
gp-33	11	20	inclusion	inclusion	NOUN
gp-33	11	21	policy	policy	NOUN
gp-33	11	22	,	,	PUNCT
gp-33	11	23	pmjdy	pmjdy	NOUN
gp-33	11	24	,	,	PUNCT
gp-33	11	25	financial	financial	ADJ
gp-33	11	26	services	service	NOUN
gp-33	11	27	,	,	PUNCT
gp-33	11	28	tribes	tribe	NOUN
gp-33	11	29	,	,	PUNCT
gp-33	11	30	fii	fii	PROPN
gp-33	11	31	,	,	PUNCT
gp-33	11	32	fip	fip	PROPN
gp-33	11	33	this	this	DET
gp-33	11	34	article	article	NOUN
gp-33	11	35	is	be	AUX
gp-33	11	36	licensed	license	VERB
gp-33	11	37	under	under	ADP
gp-33	11	38	a	a	DET
gp-33	11	39	creative	creative	ADJ
gp-33	11	40	commons	common	NOUN
gp-33	11	41	attribution	attribution	NOUN
gp-33	11	42	-	-	PUNCT
gp-33	11	43	sharealike	sharealike	ADJ
gp-33	11	44	4.0	4.0	NUM
gp-33	11	45	international	international	ADJ
gp-33	11	46	introduction	introduction	NOUN
gp-33	11	47	according	accord	VERB
gp-33	11	48	to	to	ADP
gp-33	11	49	economic	economic	ADJ
gp-33	11	50	literature	literature	NOUN
gp-33	11	51	,	,	PUNCT
gp-33	11	52	"	"	PUNCT
gp-33	11	53	inclusive	inclusive	ADJ
gp-33	11	54	growth	growth	NOUN
gp-33	11	55	"	"	PUNCT
gp-33	11	56	refers	refer	VERB
gp-33	11	57	to	to	ADP
gp-33	11	58	the	the	DET
gp-33	11	59	equitable	equitable	ADJ
gp-33	11	60	distribution	distribution	NOUN
gp-33	11	61	of	of	ADP
gp-33	11	62	resources	resource	NOUN
gp-33	11	63	that	that	PRON
gp-33	11	64	benefits	benefit	VERB
gp-33	11	65	every	every	DET
gp-33	11	66	segment	segment	NOUN
gp-33	11	67	of	of	ADP
gp-33	11	68	society	society	NOUN
gp-33	11	69	.	.	PUNCT
gp-33	12	1	the	the	DET
gp-33	12	2	achievement	achievement	NOUN
gp-33	12	3	of	of	ADP
gp-33	12	4	the	the	DET
gp-33	12	5	equality	equality	NOUN
gp-33	12	6	goal	goal	NOUN
gp-33	12	7	in	in	ADP
gp-33	12	8	growth	growth	NOUN
gp-33	12	9	is	be	AUX
gp-33	12	10	made	make	VERB
gp-33	12	11	possible	possible	ADJ
gp-33	12	12	by	by	ADP
gp-33	12	13	the	the	DET
gp-33	12	14	participation	participation	NOUN
gp-33	12	15	of	of	ADP
gp-33	12	16	all	all	DET
gp-33	12	17	societal	societal	ADJ
gp-33	12	18	segments	segment	NOUN
gp-33	12	19	and	and	CCONJ
gp-33	12	20	geographical	geographical	ADJ
gp-33	12	21	areas	area	NOUN
gp-33	12	22	in	in	ADP
gp-33	12	23	economic	economic	ADJ
gp-33	12	24	progress	progress	NOUN
gp-33	12	25	and	and	CCONJ
gp-33	12	26	in	in	ADP
gp-33	12	27	reaping	reap	VERB
gp-33	12	28	its	its	PRON
gp-33	12	29	advantages	advantage	NOUN
gp-33	12	30	(	(	PUNCT
gp-33	12	31	dixit	dixit	PROPN
gp-33	12	32	&	&	CCONJ
gp-33	12	33	ghosh	ghosh	PROPN
gp-33	12	34	,	,	PUNCT
gp-33	12	35	2013	2013	NUM
gp-33	12	36	)	)	PUNCT
gp-33	12	37	.	.	PUNCT
gp-33	13	1	economic	economic	ADJ
gp-33	13	2	growth	growth	NOUN
gp-33	13	3	with	with	ADP
gp-33	13	4	equal	equal	ADJ
gp-33	13	5	opportunity	opportunity	NOUN
gp-33	13	6	for	for	ADP
gp-33	13	7	all	all	PRON
gp-33	13	8	is	be	AUX
gp-33	13	9	referred	refer	VERB
gp-33	13	10	to	to	ADP
gp-33	13	11	as	as	ADP
gp-33	13	12	the	the	DET
gp-33	13	13	inclusive	inclusive	ADJ
gp-33	13	14	growth	growth	NOUN
gp-33	13	15	concept	concept	NOUN
gp-33	13	16	.	.	PUNCT
gp-33	14	1	it	it	PRON
gp-33	14	2	simply	simply	ADV
gp-33	14	3	entails	entail	VERB
gp-33	14	4	generating	generate	VERB
gp-33	14	5	possibilities	possibility	NOUN
gp-33	14	6	for	for	ADP
gp-33	14	7	progress	progress	NOUN
gp-33	14	8	and	and	CCONJ
gp-33	14	9	making	make	VERB
gp-33	14	10	them	they	PRON
gp-33	14	11	available	available	ADJ
gp-33	14	12	to	to	ADP
gp-33	14	13	everyone	everyone	PRON
gp-33	14	14	,	,	PUNCT
gp-33	14	15	especially	especially	ADV
gp-33	14	16	the	the	DET
gp-33	14	17	underprivileged	underprivileged	ADJ
gp-33	14	18	(	(	PUNCT
gp-33	14	19	ali	ali	PROPN
gp-33	14	20	&	&	CCONJ
gp-33	14	21	zhuang	zhuang	PROPN
gp-33	14	22	,	,	PUNCT
gp-33	14	23	2007	2007	NUM
gp-33	14	24	)	)	PUNCT
gp-33	14	25	.	.	PUNCT
gp-33	15	1	since	since	SCONJ
gp-33	15	2	the	the	DET
gp-33	15	3	inception	inception	NOUN
gp-33	15	4	of	of	ADP
gp-33	15	5	national	national	ADJ
gp-33	15	6	plans	plan	NOUN
gp-33	15	7	,	,	PUNCT
gp-33	15	8	india	india	PROPN
gp-33	15	9	has	have	AUX
gp-33	15	10	stressed	stress	VERB
gp-33	15	11	the	the	DET
gp-33	15	12	role	role	NOUN
gp-33	15	13	of	of	ADP
gp-33	15	14	finance	finance	NOUN
gp-33	15	15	in	in	ADP
gp-33	15	16	encouraging	encourage	VERB
gp-33	15	17	equitable	equitable	ADJ
gp-33	15	18	progress	progress	NOUN
gp-33	15	19	.	.	PUNCT
gp-33	16	1	the	the	DET
gp-33	16	2	creation	creation	NOUN
gp-33	16	3	of	of	ADP
gp-33	16	4	rural	rural	ADJ
gp-33	16	5	cooperatives	cooperative	NOUN
gp-33	16	6	,	,	PUNCT
gp-33	16	7	regional	regional	ADJ
gp-33	16	8	rural	rural	ADJ
gp-33	16	9	banks	bank	NOUN
gp-33	16	10	https://creativecommons.org/licenses/by-sa/4.0/	https://creativecommons.org/licenses/by-sa/4.0/	PROPN
gp-33	16	11	https://creativecommons.org/licenses/by-sa/4.0/	https://creativecommons.org/licenses/by-sa/4.0/	PROPN
gp-33	16	12	https://creativecommons.org/licenses/by-sa/4.0/	https://creativecommons.org/licenses/by-sa/4.0/	PROPN
gp-33	16	13	rupak	rupak	NOUN
gp-33	16	14	kumar	kumar	PROPN
gp-33	16	15	tung	tung	PROPN
gp-33	16	16	145	145	NUM
gp-33	16	17	(	(	PUNCT
gp-33	16	18	rrb	rrb	PROPN
gp-33	16	19	)	)	PUNCT
gp-33	16	20	,	,	PUNCT
gp-33	16	21	national	national	PROPN
gp-33	16	22	bank	bank	PROPN
gp-33	16	23	for	for	ADP
gp-33	16	24	agriculture	agriculture	NOUN
gp-33	16	25	and	and	CCONJ
gp-33	16	26	rural	rural	ADJ
gp-33	16	27	development	development	NOUN
gp-33	16	28	(	(	PUNCT
gp-33	16	29	nabard	nabard	ADV
gp-33	16	30	)	)	PUNCT
gp-33	16	31	,	,	PUNCT
gp-33	16	32	nationalisation	nationalisation	NOUN
gp-33	16	33	of	of	ADP
gp-33	16	34	commercial	commercial	ADJ
gp-33	16	35	banks	bank	NOUN
gp-33	16	36	,	,	PUNCT
gp-33	16	37	emphasis	emphasis	NOUN
gp-33	16	38	on	on	ADP
gp-33	16	39	social	social	ADJ
gp-33	16	40	banking	banking	NOUN
gp-33	16	41	,	,	PUNCT
gp-33	16	42	rural	rural	ADJ
gp-33	16	43	credit	credit	NOUN
gp-33	16	44	,	,	PUNCT
gp-33	16	45	priority	priority	NOUN
gp-33	16	46	sector	sector	NOUN
gp-33	16	47	lending	lending	NOUN
gp-33	16	48	,	,	PUNCT
gp-33	16	49	lead	lead	VERB
gp-33	16	50	bank	bank	NOUN
gp-33	16	51	schemes	scheme	NOUN
gp-33	16	52	,	,	PUNCT
gp-33	16	53	interest	interest	NOUN
gp-33	16	54	rate	rate	NOUN
gp-33	16	55	ceilings	ceiling	NOUN
gp-33	16	56	,	,	PUNCT
gp-33	16	57	subsidies	subsidy	NOUN
gp-33	16	58	,	,	PUNCT
gp-33	16	59	etc	etc	X
gp-33	16	60	.	.	X
gp-33	16	61	,	,	PUNCT
gp-33	16	62	are	be	AUX
gp-33	16	63	a	a	DET
gp-33	16	64	few	few	ADJ
gp-33	16	65	significant	significant	ADJ
gp-33	16	66	steps	step	NOUN
gp-33	16	67	taken	take	VERB
gp-33	16	68	in	in	ADP
gp-33	16	69	this	this	DET
gp-33	16	70	direction	direction	NOUN
gp-33	16	71	.	.	PUNCT
gp-33	17	1	even	even	ADV
gp-33	17	2	now	now	ADV
gp-33	17	3	,	,	PUNCT
gp-33	17	4	after	after	ADP
gp-33	17	5	all	all	PRON
gp-33	17	6	of	of	ADP
gp-33	17	7	india	india	PROPN
gp-33	17	8	's	's	PART
gp-33	17	9	policy	policy	NOUN
gp-33	17	10	efforts	effort	NOUN
gp-33	17	11	to	to	PART
gp-33	17	12	promote	promote	VERB
gp-33	17	13	financial	financial	ADJ
gp-33	17	14	inclusion	inclusion	NOUN
gp-33	17	15	,	,	PUNCT
gp-33	17	16	official	official	ADJ
gp-33	17	17	banking	banking	NOUN
gp-33	17	18	services	service	NOUN
gp-33	17	19	still	still	ADV
gp-33	17	20	have	have	AUX
gp-33	17	21	n't	not	PART
gp-33	17	22	reached	reach	VERB
gp-33	17	23	a	a	DET
gp-33	17	24	significant	significant	ADJ
gp-33	17	25	portion	portion	NOUN
gp-33	17	26	of	of	ADP
gp-33	17	27	households	household	NOUN
gp-33	17	28	,	,	PUNCT
gp-33	17	29	and	and	CCONJ
gp-33	17	30	the	the	DET
gp-33	17	31	poor	poor	ADJ
gp-33	17	32	and	and	CCONJ
gp-33	17	33	outcasts	outcast	NOUN
gp-33	17	34	of	of	ADP
gp-33	17	35	society	society	NOUN
gp-33	17	36	are	be	AUX
gp-33	17	37	still	still	ADV
gp-33	17	38	unable	unable	ADJ
gp-33	17	39	to	to	PART
gp-33	17	40	access	access	VERB
gp-33	17	41	any	any	DET
gp-33	17	42	financial	financial	ADJ
gp-33	17	43	services	service	NOUN
gp-33	17	44	.	.	PUNCT
gp-33	18	1	review	review	NOUN
gp-33	18	2	of	of	ADP
gp-33	18	3	literature	literature	NOUN
gp-33	18	4	:	:	PUNCT
gp-33	18	5	1	1	X
gp-33	18	6	.	.	X
gp-33	18	7	onta	onta	PROPN
gp-33	18	8	-	-	PUNCT
gp-33	18	9	bhatta	bhatta	NOUN
gp-33	18	10	,	,	PUNCT
gp-33	18	11	(	(	PUNCT
gp-33	18	12	2000	2000	NUM
gp-33	18	13	)	)	PUNCT
gp-33	19	1	the	the	PRON
gp-33	19	2	homeless	homeless	ADJ
gp-33	19	3	and	and	CCONJ
gp-33	19	4	underprivileged	underprivileged	ADJ
gp-33	19	5	are	be	AUX
gp-33	19	6	given	give	VERB
gp-33	19	7	access	access	NOUN
gp-33	19	8	to	to	ADP
gp-33	19	9	economical	economical	ADJ
gp-33	19	10	meal	meal	NOUN
gp-33	19	11	services	service	NOUN
gp-33	19	12	by	by	ADP
gp-33	19	13	street	street	NOUN
gp-33	19	14	vendors	vendor	NOUN
gp-33	19	15	.	.	PUNCT
gp-33	20	1	the	the	DET
gp-33	20	2	availability	availability	NOUN
gp-33	20	3	of	of	ADP
gp-33	20	4	regional	regional	ADJ
gp-33	20	5	and	and	CCONJ
gp-33	20	6	local	local	ADJ
gp-33	20	7	delicacies	delicacy	NOUN
gp-33	20	8	at	at	ADP
gp-33	20	9	these	these	DET
gp-33	20	10	kiosks	kiosk	NOUN
gp-33	20	11	is	be	AUX
gp-33	20	12	another	another	DET
gp-33	20	13	factor	factor	NOUN
gp-33	20	14	.	.	PUNCT
gp-33	21	1	the	the	DET
gp-33	21	2	mechanics	mechanic	NOUN
gp-33	21	3	of	of	ADP
gp-33	21	4	the	the	DET
gp-33	21	5	city	city	NOUN
gp-33	21	6	's	's	PART
gp-33	21	7	daily	daily	ADJ
gp-33	21	8	betting	betting	NOUN
gp-33	21	9	and	and	CCONJ
gp-33	21	10	the	the	DET
gp-33	21	11	poor	poor	ADJ
gp-33	21	12	's	's	PART
gp-33	21	13	food	food	NOUN
gp-33	21	14	vending	vend	VERB
gp-33	21	15	machine	machine	NOUN
gp-33	21	16	supply	supply	NOUN
gp-33	21	17	.	.	PUNCT
gp-33	22	1	because	because	SCONJ
gp-33	22	2	it	it	PRON
gp-33	22	3	contributes	contribute	VERB
gp-33	22	4	to	to	ADP
gp-33	22	5	the	the	DET
gp-33	22	6	availability	availability	NOUN
gp-33	22	7	of	of	ADP
gp-33	22	8	affordable	affordable	ADJ
gp-33	22	9	food	food	NOUN
gp-33	22	10	for	for	ADP
gp-33	22	11	the	the	DET
gp-33	22	12	urban	urban	ADJ
gp-33	22	13	populace	populace	NOUN
gp-33	22	14	,	,	PUNCT
gp-33	22	15	urban	urban	PROPN
gp-33	22	16	street	street	NOUN
gp-33	22	17	food	food	NOUN
gp-33	22	18	survives	survive	VERB
gp-33	22	19	.	.	PUNCT
gp-33	23	1	2	2	X
gp-33	23	2	.	.	X
gp-33	23	3	singh	singh	PROPN
gp-33	23	4	et	et	PROPN
gp-33	23	5	al	al	PROPN
gp-33	23	6	.	.	PROPN
gp-33	23	7	,	,	PUNCT
gp-33	23	8	(	(	PUNCT
gp-33	23	9	2020	2020	NUM
gp-33	23	10	)	)	PUNCT
gp-33	23	11	the	the	DET
gp-33	23	12	project	project	NOUN
gp-33	23	13	will	will	AUX
gp-33	23	14	take	take	VERB
gp-33	23	15	steps	step	NOUN
gp-33	23	16	to	to	PART
gp-33	23	17	support	support	VERB
gp-33	23	18	community	community	NOUN
gp-33	23	19	organisations	organisation	NOUN
gp-33	23	20	technically	technically	ADV
gp-33	23	21	,	,	PUNCT
gp-33	23	22	create	create	VERB
gp-33	23	23	business	business	NOUN
gp-33	23	24	plans	plan	NOUN
gp-33	23	25	for	for	ADP
gp-33	23	26	providers	provider	NOUN
gp-33	23	27	to	to	PART
gp-33	23	28	enter	enter	VERB
gp-33	23	29	the	the	DET
gp-33	23	30	market	market	NOUN
gp-33	23	31	,	,	PUNCT
gp-33	23	32	and	and	CCONJ
gp-33	23	33	collect	collect	VERB
gp-33	23	34	and	and	CCONJ
gp-33	23	35	disseminate	disseminate	VERB
gp-33	23	36	best	good	ADJ
gp-33	23	37	practises	practise	NOUN
gp-33	23	38	from	from	ADP
gp-33	23	39	throughout	throughout	ADP
gp-33	23	40	the	the	DET
gp-33	23	41	nation	nation	NOUN
gp-33	23	42	.	.	PUNCT
gp-33	24	1	it	it	PRON
gp-33	24	2	details	detail	VERB
gp-33	24	3	what	what	PRON
gp-33	24	4	you	you	PRON
gp-33	24	5	require	require	VERB
gp-33	24	6	.	.	PUNCT
gp-33	25	1	3	3	X
gp-33	25	2	.	.	X
gp-33	25	3	bhoi	bhoi	NOUN
gp-33	25	4	et	et	PROPN
gp-33	25	5	al	al	PROPN
gp-33	25	6	.	.	PROPN
gp-33	25	7	,	,	PUNCT
gp-33	25	8	(	(	PUNCT
gp-33	25	9	2022	2022	NUM
gp-33	25	10	)	)	PUNCT
gp-33	25	11	,	,	PUNCT
gp-33	25	12	examines	examine	VERB
gp-33	25	13	how	how	SCONJ
gp-33	25	14	street	street	NOUN
gp-33	25	15	vendors	vendor	NOUN
gp-33	25	16	perceive	perceive	VERB
gp-33	25	17	digital	digital	ADJ
gp-33	25	18	payments	payment	NOUN
gp-33	25	19	and	and	CCONJ
gp-33	25	20	how	how	SCONJ
gp-33	25	21	they	they	PRON
gp-33	25	22	affect	affect	VERB
gp-33	25	23	the	the	DET
gp-33	25	24	success	success	NOUN
gp-33	25	25	of	of	ADP
gp-33	25	26	their	their	PRON
gp-33	25	27	businesses	business	NOUN
gp-33	25	28	.	.	PUNCT
gp-33	26	1	data	datum	NOUN
gp-33	26	2	will	will	AUX
gp-33	26	3	be	be	AUX
gp-33	26	4	gathered	gather	VERB
gp-33	26	5	for	for	ADP
gp-33	26	6	this	this	DET
gp-33	26	7	purpose	purpose	NOUN
gp-33	26	8	from	from	ADP
gp-33	26	9	cuttak	cuttak	NOUN
gp-33	26	10	,	,	PUNCT
gp-33	26	11	kurda	kurda	PROPN
gp-33	26	12	,	,	PUNCT
gp-33	26	13	and	and	CCONJ
gp-33	26	14	berhanpur	berhanpur	NOUN
gp-33	26	15	,	,	PUNCT
gp-33	26	16	three	three	NUM
gp-33	26	17	tier	tier	NOUN
gp-33	26	18	2	2	NUM
gp-33	26	19	cities	city	NOUN
gp-33	26	20	in	in	ADP
gp-33	26	21	orissa	orissa	PROPN
gp-33	26	22	,	,	PUNCT
gp-33	26	23	utilising	utilise	VERB
gp-33	26	24	both	both	CCONJ
gp-33	26	25	structured	structured	ADJ
gp-33	26	26	questionnaire	questionnaire	NOUN
gp-33	26	27	and	and	CCONJ
gp-33	26	28	interview	interview	NOUN
gp-33	26	29	methodologies	methodology	NOUN
gp-33	26	30	.	.	PUNCT
gp-33	27	1	to	to	PART
gp-33	27	2	fully	fully	ADV
gp-33	27	3	achieve	achieve	VERB
gp-33	27	4	the	the	DET
gp-33	27	5	aforementioned	aforementioned	ADJ
gp-33	27	6	goals	goal	NOUN
gp-33	27	7	,	,	PUNCT
gp-33	27	8	this	this	DET
gp-33	27	9	empirical	empirical	ADJ
gp-33	27	10	study	study	NOUN
gp-33	27	11	also	also	ADV
gp-33	27	12	includes	include	VERB
gp-33	27	13	both	both	CCONJ
gp-33	27	14	primary	primary	ADJ
gp-33	27	15	and	and	CCONJ
gp-33	27	16	secondary	secondary	ADJ
gp-33	27	17	data	datum	NOUN
gp-33	27	18	.	.	PUNCT
gp-33	28	1	4	4	X
gp-33	28	2	.	.	X
gp-33	28	3	tung	tung	PROPN
gp-33	28	4	,	,	PUNCT
gp-33	28	5	(	(	PUNCT
gp-33	28	6	2023	2023	NUM
gp-33	28	7	)	)	PUNCT
gp-33	28	8	the	the	DET
gp-33	28	9	report	report	NOUN
gp-33	28	10	makes	make	VERB
gp-33	28	11	an	an	DET
gp-33	28	12	effort	effort	NOUN
gp-33	28	13	to	to	PART
gp-33	28	14	examine	examine	VERB
gp-33	28	15	financial	financial	ADJ
gp-33	28	16	inclusion	inclusion	NOUN
gp-33	28	17	in	in	ADP
gp-33	28	18	all	all	PRON
gp-33	28	19	of	of	ADP
gp-33	28	20	odisha	odisha	PROPN
gp-33	28	21	's	's	PART
gp-33	28	22	districts	district	NOUN
gp-33	28	23	on	on	ADP
gp-33	28	24	a	a	DET
gp-33	28	25	comprehensive	comprehensive	ADJ
gp-33	28	26	basis	basis	NOUN
gp-33	28	27	.	.	PUNCT
gp-33	29	1	the	the	DET
gp-33	29	2	current	current	ADJ
gp-33	29	3	study	study	NOUN
gp-33	29	4	examines	examine	VERB
gp-33	29	5	the	the	DET
gp-33	29	6	financial	financial	ADJ
gp-33	29	7	inclusion	inclusion	NOUN
gp-33	29	8	of	of	ADP
gp-33	29	9	odisha	odisha	PROPN
gp-33	29	10	at	at	ADP
gp-33	29	11	the	the	DET
gp-33	29	12	district	district	NOUN
gp-33	29	13	level	level	NOUN
gp-33	29	14	for	for	ADP
gp-33	29	15	the	the	DET
gp-33	29	16	years	year	NOUN
gp-33	29	17	2010	2010	NUM
gp-33	29	18	to	to	ADP
gp-33	29	19	2020	2020	NUM
gp-33	29	20	using	use	VERB
gp-33	29	21	two	two	NUM
gp-33	29	22	variables	variable	NOUN
gp-33	29	23	:	:	PUNCT
gp-33	29	24	the	the	DET
gp-33	29	25	number	number	NOUN
gp-33	29	26	of	of	ADP
gp-33	29	27	branches	branch	NOUN
gp-33	29	28	and	and	CCONJ
gp-33	29	29	the	the	DET
gp-33	29	30	number	number	NOUN
gp-33	29	31	of	of	ADP
gp-33	29	32	bank	bank	NOUN
gp-33	29	33	accounts	account	NOUN
gp-33	29	34	.	.	PUNCT
gp-33	30	1	the	the	DET
gp-33	30	2	chosen	choose	VERB
gp-33	30	3	variables	variable	NOUN
gp-33	30	4	represent	represent	VERB
gp-33	30	5	,	,	PUNCT
gp-33	30	6	at	at	ADP
gp-33	30	7	least	least	ADJ
gp-33	30	8	generally	generally	ADV
gp-33	30	9	,	,	PUNCT
gp-33	30	10	how	how	SCONJ
gp-33	30	11	the	the	DET
gp-33	30	12	banking	banking	NOUN
gp-33	30	13	business	business	NOUN
gp-33	30	14	is	be	AUX
gp-33	30	15	distributed	distribute	VERB
gp-33	30	16	and	and	CCONJ
gp-33	30	17	,	,	PUNCT
gp-33	30	18	subsequently	subsequently	ADV
gp-33	30	19	,	,	PUNCT
gp-33	30	20	how	how	SCONJ
gp-33	30	21	much	much	ADJ
gp-33	30	22	it	it	PRON
gp-33	30	23	is	be	AUX
gp-33	30	24	present	present	ADJ
gp-33	30	25	or	or	CCONJ
gp-33	30	26	absent	absent	ADJ
gp-33	30	27	.	.	PUNCT
gp-33	31	1	while	while	SCONJ
gp-33	31	2	a	a	DET
gp-33	31	3	deposit	deposit	NOUN
gp-33	31	4	account	account	NOUN
gp-33	31	5	shows	show	VERB
gp-33	31	6	how	how	SCONJ
gp-33	31	7	to	to	PART
gp-33	31	8	utilise	utilise	VERB
gp-33	31	9	and	and	CCONJ
gp-33	31	10	access	access	NOUN
gp-33	31	11	banking	banking	NOUN
gp-33	31	12	,	,	PUNCT
gp-33	31	13	the	the	DET
gp-33	31	14	distribution	distribution	NOUN
gp-33	31	15	of	of	ADP
gp-33	31	16	branch	branch	NOUN
gp-33	31	17	locations	location	NOUN
gp-33	31	18	shows	show	VERB
gp-33	31	19	how	how	SCONJ
gp-33	31	20	deeply	deeply	ADV
gp-33	31	21	people	people	NOUN
gp-33	31	22	are	be	AUX
gp-33	31	23	incorporated	incorporate	VERB
gp-33	31	24	into	into	ADP
gp-33	31	25	the	the	DET
gp-33	31	26	financial	financial	ADJ
gp-33	31	27	system	system	NOUN
gp-33	31	28	.	.	PUNCT
gp-33	32	1	thereafter	thereafter	ADV
gp-33	32	2	,	,	PUNCT
gp-33	32	3	individual	individual	ADJ
gp-33	32	4	indices	index	NOUN
gp-33	32	5	are	be	AUX
gp-33	32	6	built	build	VERB
gp-33	32	7	for	for	ADP
gp-33	32	8	each	each	DET
gp-33	32	9	component	component	NOUN
gp-33	32	10	,	,	PUNCT
gp-33	32	11	resulting	result	VERB
gp-33	32	12	in	in	ADP
gp-33	32	13	the	the	DET
gp-33	32	14	composite	composite	ADJ
gp-33	32	15	index	index	NOUN
gp-33	32	16	known	know	VERB
gp-33	32	17	as	as	ADP
gp-33	32	18	the	the	DET
gp-33	32	19	index	index	NOUN
gp-33	32	20	of	of	ADP
gp-33	32	21	financial	financial	ADJ
gp-33	32	22	inclusion	inclusion	NOUN
gp-33	32	23	(	(	PUNCT
gp-33	32	24	ifi	ifi	PROPN
gp-33	32	25	)	)	PUNCT
gp-33	32	26	.	.	PUNCT
gp-33	33	1	the	the	DET
gp-33	33	2	socioeconomic	socioeconomic	ADJ
gp-33	33	3	profile	profile	NOUN
gp-33	33	4	(	(	PUNCT
gp-33	33	5	the	the	DET
gp-33	33	6	main	main	ADJ
gp-33	33	7	respondents	respondent	NOUN
gp-33	33	8	of	of	ADP
gp-33	33	9	the	the	DET
gp-33	33	10	survey	survey	NOUN
gp-33	33	11	)	)	PUNCT
gp-33	33	12	was	be	AUX
gp-33	33	13	widely	widely	ADV
gp-33	33	14	discussed	discuss	VERB
gp-33	33	15	in	in	ADP
gp-33	33	16	his	his	PRON
gp-33	33	17	29	29	NUM
gp-33	33	18	terms	term	NOUN
gp-33	33	19	in	in	ADP
gp-33	33	20	baripada	baripada	PROPN
gp-33	33	21	city	city	PROPN
gp-33	33	22	,	,	PUNCT
gp-33	33	23	based	base	VERB
gp-33	33	24	on	on	ADP
gp-33	33	25	field	field	NOUN
gp-33	33	26	data	datum	NOUN
gp-33	33	27	.	.	PUNCT
gp-33	34	1	according	accord	VERB
gp-33	34	2	to	to	ADP
gp-33	34	3	a	a	DET
gp-33	34	4	preliminary	preliminary	ADJ
gp-33	34	5	report	report	NOUN
gp-33	34	6	from	from	ADP
gp-33	34	7	the	the	DET
gp-33	34	8	2011	2011	NUM
gp-33	34	9	indian	indian	PROPN
gp-33	34	10	census	census	NOUN
gp-33	34	11	,	,	PUNCT
gp-33	34	12	baripada	baripada	PROPN
gp-33	34	13	has	have	VERB
gp-33	34	14	a	a	DET
gp-33	34	15	population	population	NOUN
gp-33	34	16	of	of	ADP
gp-33	34	17	110,058	110,058	NUM
gp-33	34	18	,	,	PUNCT
gp-33	34	19	of	of	ADP
gp-33	34	20	which	which	PRON
gp-33	34	21	57,008	57,008	NUM
gp-33	34	22	are	be	AUX
gp-33	34	23	male	male	ADJ
gp-33	34	24	and	and	CCONJ
gp-33	34	25	53,050	53,050	NUM
gp-33	34	26	are	be	AUX
gp-33	34	27	female	female	ADJ
gp-33	34	28	.	.	PUNCT
gp-33	35	1	baripada	baripada	PROPN
gp-33	35	2	city	city	PROPN
gp-33	35	3	has	have	VERB
gp-33	35	4	110,058	110,058	NUM
gp-33	35	5	inhabitants	inhabitant	NOUN
gp-33	35	6	.	.	PUNCT
gp-33	36	1	the	the	DET
gp-33	36	2	city	city	NOUN
gp-33	36	3	/	/	SYM
gp-33	36	4	city	city	NOUN
gp-33	36	5	has	have	VERB
gp-33	36	6	116,874	116,874	NUM
gp-33	36	7	inhabitants	inhabitant	NOUN
gp-33	36	8	,	,	PUNCT
gp-33	36	9	of	of	ADP
gp-33	36	10	which	which	PRON
gp-33	36	11	60,535	60,535	NUM
gp-33	36	12	are	be	AUX
gp-33	36	13	male	male	ADJ
gp-33	36	14	and	and	CCONJ
gp-33	36	15	56,339	56,339	NUM
gp-33	36	16	are	be	AUX
gp-33	36	17	female	female	ADJ
gp-33	36	18	.	.	PUNCT
gp-33	37	1	also	also	ADV
gp-33	37	2	,	,	PUNCT
gp-33	37	3	in	in	ADP
gp-33	37	4	the	the	DET
gp-33	37	5	education	education	NOUN
gp-33	37	6	sector	sector	NOUN
gp-33	37	7	,	,	PUNCT
gp-33	37	8	there	there	PRON
gp-33	37	9	are	be	VERB
gp-33	37	10	a	a	DET
gp-33	37	11	total	total	NOUN
gp-33	37	12	of	of	ADP
gp-33	37	13	89,421	89,421	NUM
gp-33	37	14	illiterate	illiterate	ADJ
gp-33	37	15	people	people	NOUN
gp-33	37	16	in	in	ADP
gp-33	37	17	baripada	baripada	PROPN
gp-33	37	18	city	city	NOUN
gp-33	37	19	,	,	PUNCT
gp-33	37	20	of	of	ADP
gp-33	37	21	which	which	PRON
gp-33	37	22	48,388	48,388	NUM
gp-33	37	23	are	be	AUX
gp-33	37	24	men	man	NOUN
gp-33	37	25	and	and	CCONJ
gp-33	37	26	41,033	41,033	NUM
gp-33	37	27	are	be	AUX
gp-33	37	28	women	woman	NOUN
gp-33	37	29	.	.	PUNCT
gp-33	38	1	baripada	baripada	PROPN
gp-33	38	2	city	city	PROPN
gp-33	38	3	has	have	VERB
gp-33	38	4	an	an	DET
gp-33	38	5	average	average	ADJ
gp-33	38	6	literacy	literacy	NOUN
gp-33	38	7	rate	rate	NOUN
gp-33	38	8	of	of	ADP
gp-33	38	9	89.31	89.31	NUM
gp-33	38	10	%	%	NOUN
gp-33	38	11	with	with	ADP
gp-33	38	12	male	male	ADJ
gp-33	38	13	and	and	CCONJ
gp-33	38	14	female	female	ADJ
gp-33	38	15	literacy	literacy	NOUN
gp-33	38	16	rates	rate	NOUN
gp-33	38	17	of	of	ADP
gp-33	38	18	93.45	93.45	NUM
gp-33	38	19	and	and	CCONJ
gp-33	38	20	84.88	84.88	NUM
gp-33	38	21	respectively	respectively	ADV
gp-33	38	22	.	.	PUNCT
gp-33	39	1	by	by	ADP
gp-33	39	2	investigating	investigate	VERB
gp-33	39	3	whether	whether	SCONJ
gp-33	39	4	social	social	ADJ
gp-33	39	5	work	work	NOUN
gp-33	39	6	professions	profession	NOUN
gp-33	39	7	can	can	AUX
gp-33	39	8	contribute	contribute	VERB
gp-33	39	9	to	to	ADP
gp-33	39	10	financial	financial	ADJ
gp-33	39	11	literacy	literacy	NOUN
gp-33	39	12	,	,	PUNCT
gp-33	39	13	designated	designate	VERB
gp-33	39	14	tribes	tribe	NOUN
gp-33	39	15	can	can	AUX
gp-33	39	16	develop	develop	VERB
gp-33	39	17	an	an	DET
gp-33	39	18	understanding	understanding	NOUN
gp-33	39	19	and	and	CCONJ
gp-33	39	20	knowledge	knowledge	NOUN
gp-33	39	21	of	of	ADP
gp-33	39	22	financial	financial	ADJ
gp-33	39	23	literacy	literacy	NOUN
gp-33	39	24	(	(	PUNCT
gp-33	39	25	anderson	anderson	PROPN
gp-33	39	26	et	et	PROPN
gp-33	39	27	al	al	PROPN
gp-33	39	28	.	.	PROPN
gp-33	39	29	,	,	PUNCT
gp-33	39	30	2013	2013	NUM
gp-33	39	31	)	)	PUNCT
gp-33	39	32	.	.	PUNCT
gp-33	40	1	the	the	DET
gp-33	40	2	contribution	contribution	NOUN
gp-33	40	3	of	of	ADP
gp-33	40	4	social	social	ADJ
gp-33	40	5	work	work	NOUN
gp-33	40	6	to	to	ADP
gp-33	40	7	general	general	ADJ
gp-33	40	8	financial	financial	ADJ
gp-33	40	9	education	education	NOUN
gp-33	40	10	can	can	AUX
gp-33	40	11	be	be	AUX
gp-33	40	12	justified	justify	VERB
gp-33	40	13	in	in	ADP
gp-33	40	14	terms	term	NOUN
gp-33	40	15	of	of	ADP
gp-33	40	16	vocational	vocational	ADJ
gp-33	40	17	theory	theory	NOUN
gp-33	40	18	.	.	PUNCT
gp-33	41	1	social	social	ADJ
gp-33	41	2	workers	worker	NOUN
gp-33	41	3	should	should	AUX
gp-33	41	4	promote	promote	VERB
gp-33	41	5	financial	financial	ADJ
gp-33	41	6	education	education	NOUN
gp-33	41	7	to	to	PART
gp-33	41	8	alleviate	alleviate	VERB
gp-33	41	9	poverty	poverty	NOUN
gp-33	41	10	by	by	ADP
gp-33	41	11	connecting	connect	VERB
gp-33	41	12	economically	economically	ADV
gp-33	41	13	vulnerable	vulnerable	ADJ
gp-33	41	14	people	people	NOUN
gp-33	41	15	to	to	ADP
gp-33	41	16	key	key	ADJ
gp-33	41	17	financial	financial	ADJ
gp-33	41	18	education	education	NOUN
gp-33	41	19	providers	provider	NOUN
gp-33	41	20	.	.	PUNCT
gp-33	42	1	research	research	NOUN
gp-33	42	2	methods	method	NOUN
gp-33	42	3	american	american	PROPN
gp-33	42	4	journal	journal	PROPN
gp-33	42	5	of	of	ADP
gp-33	42	6	economic	economic	ADJ
gp-33	42	7	and	and	CCONJ
gp-33	42	8	management	management	NOUN
gp-33	42	9	business	business	NOUN
gp-33	42	10	vol	vol	NOUN
gp-33	42	11	.	.	PROPN
gp-33	42	12	2	2	NUM
gp-33	42	13	no	no	NOUN
gp-33	42	14	.	.	NOUN
gp-33	43	1	4	4	NUM
gp-33	43	2	april	april	PROPN
gp-33	43	3	2023	2023	NUM
gp-33	43	4	146	146	NUM
gp-33	43	5	the	the	DET
gp-33	43	6	information	information	NOUN
gp-33	43	7	was	be	AUX
gp-33	43	8	gathered	gather	VERB
gp-33	43	9	from	from	ADP
gp-33	43	10	both	both	CCONJ
gp-33	43	11	primary	primary	ADJ
gp-33	43	12	and	and	CCONJ
gp-33	43	13	secondary	secondary	ADJ
gp-33	43	14	sources	source	NOUN
gp-33	43	15	this	this	DET
gp-33	43	16	study	study	NOUN
gp-33	43	17	is	be	AUX
gp-33	43	18	descriptive	descriptive	ADJ
gp-33	43	19	and	and	CCONJ
gp-33	43	20	analytical	analytical	ADJ
gp-33	43	21	in	in	ADP
gp-33	43	22	nature	nature	NOUN
gp-33	43	23	as	as	SCONJ
gp-33	43	24	it	it	PRON
gp-33	43	25	aims	aim	VERB
gp-33	43	26	to	to	PART
gp-33	43	27	describe	describe	VERB
gp-33	43	28	the	the	DET
gp-33	43	29	situation	situation	NOUN
gp-33	43	30	of	of	ADP
gp-33	43	31	tribes	tribe	NOUN
gp-33	43	32	in	in	ADP
gp-33	43	33	terms	term	NOUN
gp-33	43	34	of	of	ADP
gp-33	43	35	access	access	NOUN
gp-33	43	36	to	to	ADP
gp-33	43	37	banking	banking	NOUN
gp-33	43	38	services	service	NOUN
gp-33	43	39	in	in	ADP
gp-33	43	40	baripada	baripada	PROPN
gp-33	43	41	city	city	PROPN
gp-33	43	42	,	,	PUNCT
gp-33	43	43	mayurbanji	mayurbanji	PROPN
gp-33	43	44	district	district	PROPN
gp-33	43	45	,	,	PUNCT
gp-33	43	46	odisha	odisha	PROPN
gp-33	43	47	.	.	PUNCT
gp-33	43	48	field	field	PROPN
gp-33	43	49	studies	study	NOUN
gp-33	43	50	are	be	AUX
gp-33	43	51	conducted	conduct	VERB
gp-33	43	52	for	for	ADP
gp-33	43	53	research	research	NOUN
gp-33	43	54	purposes	purpose	NOUN
gp-33	43	55	.	.	PUNCT
gp-33	44	1	a	a	DET
gp-33	44	2	sample	sample	NOUN
gp-33	44	3	size	size	NOUN
gp-33	44	4	of	of	ADP
gp-33	44	5	360	360	NUM
gp-33	44	6	is	be	AUX
gp-33	44	7	obtained	obtain	VERB
gp-33	44	8	and	and	CCONJ
gp-33	44	9	responses	response	NOUN
gp-33	44	10	are	be	AUX
gp-33	44	11	collected	collect	VERB
gp-33	44	12	in	in	ADP
gp-33	44	13	a	a	DET
gp-33	44	14	structured	structured	ADJ
gp-33	44	15	timeline	timeline	NOUN
gp-33	44	16	questionnaire	questionnaire	NOUN
gp-33	44	17	.	.	PUNCT
gp-33	45	1	researchers	researcher	NOUN
gp-33	45	2	determined	determine	VERB
gp-33	45	3	the	the	DET
gp-33	45	4	samples	sample	NOUN
gp-33	45	5	using	use	VERB
gp-33	45	6	practical	practical	ADJ
gp-33	45	7	sampling	sampling	NOUN
gp-33	45	8	methods	method	NOUN
gp-33	45	9	.	.	PUNCT
gp-33	46	1	the	the	DET
gp-33	46	2	scheduled	schedule	VERB
gp-33	46	3	survey	survey	NOUN
gp-33	46	4	consists	consist	VERB
gp-33	46	5	of	of	ADP
gp-33	46	6	25	25	NUM
gp-33	46	7	questions	question	NOUN
gp-33	46	8	(	(	PUNCT
gp-33	46	9	a.	a.	PROPN
gp-33	46	10	s.	s.	PROPN
gp-33	46	11	singh	singh	PROPN
gp-33	46	12	&	&	CCONJ
gp-33	46	13	masuku	masuku	PROPN
gp-33	46	14	,	,	PUNCT
gp-33	46	15	2014	2014	NUM
gp-33	46	16	)	)	PUNCT
gp-33	46	17	.	.	PUNCT
gp-33	47	1	quantitative	quantitative	ADJ
gp-33	47	2	methods	method	NOUN
gp-33	47	3	are	be	AUX
gp-33	47	4	used	use	VERB
gp-33	47	5	to	to	PART
gp-33	47	6	analyze	analyze	VERB
gp-33	47	7	the	the	DET
gp-33	47	8	collected	collect	VERB
gp-33	47	9	data	datum	NOUN
gp-33	47	10	.	.	PUNCT
gp-33	48	1	secondary	secondary	ADJ
gp-33	48	2	data	datum	NOUN
gp-33	48	3	were	be	AUX
gp-33	48	4	collected	collect	VERB
gp-33	48	5	from	from	ADP
gp-33	48	6	secondary	secondary	ADJ
gp-33	48	7	sources	source	NOUN
gp-33	48	8	such	such	ADJ
gp-33	48	9	as	as	ADP
gp-33	48	10	websites	website	NOUN
gp-33	48	11	,	,	PUNCT
gp-33	48	12	news	news	NOUN
gp-33	48	13	channels	channel	NOUN
gp-33	48	14	,	,	PUNCT
gp-33	48	15	newspapers	newspaper	NOUN
gp-33	48	16	and	and	CCONJ
gp-33	48	17	government	government	NOUN
gp-33	48	18	,	,	PUNCT
gp-33	48	19	statistical	statistical	ADJ
gp-33	48	20	reports	report	NOUN
gp-33	48	21	.	.	PUNCT
gp-33	49	1	for	for	ADP
gp-33	49	2	categorical	categorical	ADJ
gp-33	49	3	data	datum	NOUN
gp-33	49	4	,	,	PUNCT
gp-33	49	5	data	datum	NOUN
gp-33	49	6	were	be	AUX
gp-33	49	7	summarised	summarise	VERB
gp-33	49	8	and	and	CCONJ
gp-33	49	9	assessed	assess	VERB
gp-33	49	10	using	use	VERB
gp-33	49	11	frequency	frequency	NOUN
gp-33	49	12	and	and	CCONJ
gp-33	49	13	percentages	percentage	NOUN
gp-33	49	14	.	.	PUNCT
gp-33	50	1	mean	mean	VERB
gp-33	50	2	,	,	PUNCT
gp-33	50	3	standard	standard	ADJ
gp-33	50	4	deviation	deviation	NOUN
gp-33	50	5	,	,	PUNCT
gp-33	50	6	and	and	CCONJ
gp-33	50	7	median	median	NOUN
gp-33	50	8	were	be	AUX
gp-33	50	9	used	use	VERB
gp-33	50	10	to	to	PART
gp-33	50	11	analyse	analyse	VERB
gp-33	50	12	interval	interval	NOUN
gp-33	50	13	data	datum	NOUN
gp-33	50	14	and	and	CCONJ
gp-33	50	15	rating	rating	NOUN
gp-33	50	16	scales	scale	NOUN
gp-33	50	17	.	.	PUNCT
gp-33	51	1	the	the	DET
gp-33	51	2	economic	economic	ADJ
gp-33	51	3	and	and	CCONJ
gp-33	51	4	social	social	ADJ
gp-33	51	5	impact	impact	NOUN
gp-33	51	6	of	of	ADP
gp-33	51	7	financial	financial	ADJ
gp-33	51	8	inclusion	inclusion	NOUN
gp-33	51	9	on	on	ADP
gp-33	51	10	rural	rural	ADJ
gp-33	51	11	and	and	CCONJ
gp-33	51	12	urban	urban	ADJ
gp-33	51	13	households	household	NOUN
gp-33	51	14	has	have	AUX
gp-33	51	15	been	be	AUX
gp-33	51	16	assessed	assess	VERB
gp-33	51	17	using	use	VERB
gp-33	51	18	multiple	multiple	ADJ
gp-33	51	19	regression	regression	NOUN
gp-33	51	20	analysis	analysis	NOUN
gp-33	51	21	.	.	PUNCT
gp-33	52	1	in	in	ADP
gp-33	52	2	the	the	DET
gp-33	52	3	study	study	NOUN
gp-33	52	4	,	,	PUNCT
gp-33	52	5	the	the	DET
gp-33	52	6	total	total	ADJ
gp-33	52	7	score	score	NOUN
gp-33	52	8	of	of	ADP
gp-33	52	9	the	the	DET
gp-33	52	10	individual	individual	ADJ
gp-33	52	11	sub	sub	NOUN
gp-33	52	12	-	-	NOUN
gp-33	52	13	components	component	NOUN
gp-33	52	14	of	of	ADP
gp-33	52	15	the	the	DET
gp-33	52	16	constructs	construct	NOUN
gp-33	52	17	was	be	AUX
gp-33	52	18	obtained	obtain	VERB
gp-33	52	19	by	by	ADP
gp-33	52	20	adding	add	VERB
gp-33	52	21	up	up	ADP
gp-33	52	22	the	the	DET
gp-33	52	23	scores	score	NOUN
gp-33	52	24	of	of	ADP
gp-33	52	25	each	each	DET
gp-33	52	26	question	question	NOUN
gp-33	52	27	falling	fall	VERB
gp-33	52	28	under	under	ADP
gp-33	52	29	those	those	DET
gp-33	52	30	components	component	NOUN
gp-33	52	31	,	,	PUNCT
gp-33	52	32	followed	follow	VERB
gp-33	52	33	by	by	ADP
gp-33	52	34	standardisation	standardisation	NOUN
gp-33	52	35	and	and	CCONJ
gp-33	52	36	sorting	sort	VERB
gp-33	52	37	out	out	ADP
gp-33	52	38	using	use	VERB
gp-33	52	39	the	the	DET
gp-33	52	40	property	property	NOUN
gp-33	52	41	of	of	ADP
gp-33	52	42	normal	normal	ADJ
gp-33	52	43	distribution	distribution	NOUN
gp-33	52	44	,	,	PUNCT
gp-33	52	45	while	while	SCONJ
gp-33	52	46	measuring	measure	VERB
gp-33	52	47	the	the	DET
gp-33	52	48	components	component	NOUN
gp-33	52	49	of	of	ADP
gp-33	52	50	financial	financial	ADJ
gp-33	52	51	inclusion	inclusion	NOUN
gp-33	52	52	and	and	CCONJ
gp-33	52	53	its	its	PRON
gp-33	52	54	impact	impact	NOUN
gp-33	52	55	on	on	ADP
gp-33	52	56	socioeconomic	socioeconomic	ADJ
gp-33	52	57	status	status	NOUN
gp-33	52	58	.	.	PUNCT
gp-33	53	1	the	the	DET
gp-33	53	2	component	component	NOUN
gp-33	53	3	of	of	ADP
gp-33	53	4	financial	financial	ADJ
gp-33	53	5	inclusion	inclusion	NOUN
gp-33	53	6	and	and	CCONJ
gp-33	53	7	its	its	PRON
gp-33	53	8	impact	impact	NOUN
gp-33	53	9	was	be	AUX
gp-33	53	10	measured	measure	VERB
gp-33	53	11	independently	independently	ADV
gp-33	53	12	,	,	PUNCT
gp-33	53	13	while	while	SCONJ
gp-33	53	14	the	the	DET
gp-33	53	15	final	final	ADJ
gp-33	53	16	component	component	NOUN
gp-33	53	17	of	of	ADP
gp-33	53	18	inclusive	inclusive	ADJ
gp-33	53	19	growth	growth	NOUN
gp-33	53	20	was	be	AUX
gp-33	53	21	considered	consider	VERB
gp-33	53	22	dependent	dependent	ADJ
gp-33	53	23	.	.	PUNCT
gp-33	54	1	they	they	PRON
gp-33	54	2	were	be	AUX
gp-33	54	3	evaluated	evaluate	VERB
gp-33	54	4	and	and	CCONJ
gp-33	54	5	classified	classify	VERB
gp-33	54	6	as	as	ADP
gp-33	54	7	average	average	ADJ
gp-33	54	8	,	,	PUNCT
gp-33	54	9	below	below	ADP
gp-33	54	10	average	average	ADJ
gp-33	54	11	,	,	PUNCT
gp-33	54	12	and	and	CCONJ
gp-33	54	13	above	above	ADP
gp-33	54	14	average	average	ADJ
gp-33	54	15	using	use	VERB
gp-33	54	16	normal	normal	ADJ
gp-33	54	17	distribution	distribution	NOUN
gp-33	54	18	and	and	CCONJ
gp-33	54	19	percentile	percentile	ADJ
gp-33	54	20	values	value	NOUN
gp-33	54	21	.	.	PUNCT
gp-33	55	1	the	the	DET
gp-33	55	2	above	above	ADV
gp-33	55	3	mentioned	mention	VERB
gp-33	55	4	objectives	objective	NOUN
gp-33	55	5	have	have	AUX
gp-33	55	6	been	be	AUX
gp-33	55	7	verified	verify	VERB
gp-33	55	8	by	by	ADP
gp-33	55	9	the	the	DET
gp-33	55	10	application	application	NOUN
gp-33	55	11	of	of	ADP
gp-33	55	12	chisquare	chisquare	PROPN
gp-33	55	13	test	test	NOUN
gp-33	55	14	(	(	PUNCT
gp-33	55	15	x^2	x^2	PROPN
gp-33	55	16	)	)	PUNCT
gp-33	55	17	for	for	ADP
gp-33	55	18	observed	observed	ADJ
gp-33	55	19	results	result	NOUN
gp-33	55	20	with	with	ADP
gp-33	55	21	expected	expect	VERB
gp-33	55	22	results	result	NOUN
gp-33	55	23	,	,	PUNCT
gp-33	55	24	t	t	PROPN
gp-33	55	25	test	test	NOUN
gp-33	55	26	for	for	AUX
gp-33	55	27	compare	compare	VERB
gp-33	55	28	the	the	DET
gp-33	55	29	means	mean	NOUN
gp-33	55	30	of	of	ADP
gp-33	55	31	two	two	NUM
gp-33	55	32	groups	group	NOUN
gp-33	55	33	and	and	CCONJ
gp-33	55	34	eigenvalues	eigenvalue	VERB
gp-33	55	35	for	for	ADP
gp-33	55	36	reducing	reduce	VERB
gp-33	55	37	dimension	dimension	NOUN
gp-33	55	38	space	space	NOUN
gp-33	55	39	.	.	PUNCT
gp-33	56	1	the	the	DET
gp-33	56	2	logit	logit	PROPN
gp-33	56	3	model	model	NOUN
gp-33	56	4	was	be	AUX
gp-33	56	5	used	use	VERB
gp-33	56	6	in	in	ADP
gp-33	56	7	this	this	DET
gp-33	56	8	quantitative	quantitative	ADJ
gp-33	56	9	analysis	analysis	NOUN
gp-33	56	10	because	because	SCONJ
gp-33	56	11	it	it	PRON
gp-33	56	12	captures	capture	VERB
gp-33	56	13	the	the	DET
gp-33	56	14	persistence	persistence	NOUN
gp-33	56	15	of	of	ADP
gp-33	56	16	dependent	dependent	ADJ
gp-33	56	17	variables	variable	NOUN
gp-33	56	18	with	with	ADP
gp-33	56	19	binary	binary	NOUN
gp-33	56	20	yes	yes	INTJ
gp-33	56	21	or	or	CCONJ
gp-33	56	22	no	no	DET
gp-33	56	23	outcomes	outcome	NOUN
gp-33	56	24	(	(	PUNCT
gp-33	56	25	alemayehu	alemayehu	PROPN
gp-33	56	26	,	,	PUNCT
gp-33	56	27	2014	2014	NUM
gp-33	56	28	)	)	PUNCT
gp-33	56	29	.	.	PUNCT
gp-33	57	1	in	in	ADP
gp-33	57	2	this	this	DET
gp-33	57	3	context	context	NOUN
gp-33	57	4	,	,	PUNCT
gp-33	57	5	variables	variable	NOUN
gp-33	57	6	with	with	ADP
gp-33	57	7	binary	binary	ADJ
gp-33	57	8	outcomes	outcome	NOUN
gp-33	57	9	are	be	AUX
gp-33	57	10	financial	financial	ADJ
gp-33	57	11	inclusion	inclusion	NOUN
gp-33	57	12	.	.	PUNCT
gp-33	58	1	whether	whether	SCONJ
gp-33	58	2	the	the	DET
gp-33	58	3	respondent	respondent	NOUN
gp-33	58	4	is	be	AUX
gp-33	58	5	financially	financially	ADV
gp-33	58	6	involved	involve	VERB
gp-33	58	7	.	.	PUNCT
gp-33	59	1	in	in	ADP
gp-33	59	2	this	this	DET
gp-33	59	3	study	study	NOUN
gp-33	59	4	,	,	PUNCT
gp-33	59	5	financial	financial	ADJ
gp-33	59	6	inclusion	inclusion	NOUN
gp-33	59	7	is	be	AUX
gp-33	59	8	measured	measure	VERB
gp-33	59	9	by	by	ADP
gp-33	59	10	account	account	NOUN
gp-33	59	11	availability	availability	NOUN
gp-33	59	12	and	and	CCONJ
gp-33	59	13	frequency	frequency	NOUN
gp-33	59	14	of	of	ADP
gp-33	59	15	access	access	NOUN
gp-33	59	16	to	to	ADP
gp-33	59	17	financial	financial	ADJ
gp-33	59	18	services	service	NOUN
gp-33	59	19	result	result	VERB
gp-33	59	20	and	and	CCONJ
gp-33	59	21	discussion	discussion	NOUN
gp-33	59	22	observations	observation	NOUN
gp-33	59	23	on	on	ADP
gp-33	59	24	the	the	DET
gp-33	59	25	nature	nature	NOUN
gp-33	59	26	,	,	PUNCT
gp-33	59	27	extent	extent	NOUN
gp-33	59	28	,	,	PUNCT
gp-33	59	29	and	and	CCONJ
gp-33	59	30	impact	impact	NOUN
gp-33	59	31	of	of	ADP
gp-33	59	32	financial	financial	ADJ
gp-33	59	33	inclusion	inclusion	NOUN
gp-33	59	34	in	in	ADP
gp-33	59	35	rural	rural	ADJ
gp-33	59	36	and	and	CCONJ
gp-33	59	37	urban	urban	ADJ
gp-33	59	38	populations	population	NOUN
gp-33	59	39	.	.	PUNCT
gp-33	60	1	table	table	NOUN
gp-33	60	2	1	1	NUM
gp-33	60	3	:	:	PUNCT
gp-33	60	4	distance	distance	NOUN
gp-33	60	5	as	as	ADP
gp-33	60	6	a	a	DET
gp-33	60	7	barrier	barrier	NOUN
gp-33	60	8	to	to	ADP
gp-33	60	9	banking	banking	NOUN
gp-33	60	10	services	service	NOUN
gp-33	60	11	distance	distance	NOUN
gp-33	60	12	as	as	ADP
gp-33	60	13	barrier	barrier	NOUN
gp-33	60	14	to	to	ADP
gp-33	60	15	banking	banking	NOUN
gp-33	60	16	services	service	NOUN
gp-33	60	17	rural	rural	ADJ
gp-33	60	18	urban	urban	ADJ
gp-33	60	19	total	total	NOUN
gp-33	60	20	no	no	DET
gp-33	60	21	74.8	74.8	NUM
gp-33	60	22	96.1	96.1	NUM
gp-33	60	23	85.45	85.45	NUM
gp-33	61	1	yes	yes	NOUN
gp-33	61	2	25.2	25.2	NUM
gp-33	61	3	3.9	3.9	NUM
gp-33	61	4	14.55	14.55	NUM
gp-33	61	5	total	total	NOUN
gp-33	61	6	100	100	NUM
gp-33	61	7	100	100	NUM
gp-33	61	8	100	100	NUM
gp-33	61	9	note	note	NOUN
gp-33	61	10	:	:	PUNCT
gp-33	61	11	x2	x2	PROPN
gp-33	61	12	=	=	VERB
gp-33	61	13	115.353	115.353	NUM
gp-33	61	14	,	,	PUNCT
gp-33	61	15	d=1	d=1	NOUN
gp-33	61	16	,	,	PUNCT
gp-33	61	17	p	p	NOUN
gp-33	61	18	=	=	NOUN
gp-33	61	19	0.000<0.01	0.000<0.01	NUM
gp-33	61	20	,	,	PUNCT
gp-33	61	21	hs	hs	PROPN
gp-33	61	22	source	source	PROPN
gp-33	61	23	:	:	PUNCT
gp-33	61	24	survey	survey	NOUN
gp-33	61	25	data	data	PROPN
gp-33	61	26	rupak	rupak	PROPN
gp-33	61	27	kumar	kumar	PROPN
gp-33	61	28	tung	tung	PROPN
gp-33	61	29	147	147	NUM
gp-33	61	30	in	in	ADP
gp-33	61	31	terms	term	NOUN
gp-33	61	32	of	of	ADP
gp-33	61	33	distance	distance	NOUN
gp-33	61	34	to	to	PART
gp-33	61	35	access	access	VERB
gp-33	61	36	banking	banking	NOUN
gp-33	61	37	services	service	NOUN
gp-33	61	38	,	,	PUNCT
gp-33	61	39	nearly	nearly	ADV
gp-33	61	40	78.6	78.6	NUM
gp-33	61	41	%	%	NOUN
gp-33	61	42	of	of	ADP
gp-33	61	43	households	household	NOUN
gp-33	61	44	if	if	SCONJ
gp-33	61	45	the	the	DET
gp-33	61	46	distance	distance	NOUN
gp-33	61	47	from	from	ADP
gp-33	61	48	which	which	PRON
gp-33	61	49	basic	basic	ADJ
gp-33	61	50	banking	banking	NOUN
gp-33	61	51	facilities	facility	NOUN
gp-33	61	52	or	or	CCONJ
gp-33	61	53	other	other	ADJ
gp-33	61	54	banking	banking	NOUN
gp-33	61	55	facilities	facility	NOUN
gp-33	61	56	can	can	AUX
gp-33	61	57	be	be	AUX
gp-33	61	58	accessed	access	VERB
gp-33	61	59	is	be	AUX
gp-33	61	60	less	less	ADJ
gp-33	61	61	than	than	ADP
gp-33	61	62	5	5	NUM
gp-33	61	63	kilometers	kilometer	NOUN
gp-33	61	64	,	,	PUNCT
gp-33	61	65	about	about	ADV
gp-33	61	66	20.6	20.6	NUM
gp-33	61	67	%	%	NOUN
gp-33	61	68	of	of	ADP
gp-33	61	69	households	household	NOUN
gp-33	61	70	were	be	AUX
gp-33	61	71	within	within	ADP
gp-33	61	72	5	5	NUM
gp-33	61	73	-	-	SYM
gp-33	61	74	10	10	NUM
gp-33	61	75	kilometers	kilometer	NOUN
gp-33	61	76	of	of	ADP
gp-33	61	77	a	a	DET
gp-33	61	78	formal	formal	ADJ
gp-33	61	79	bank	bank	NOUN
gp-33	61	80	,	,	PUNCT
gp-33	61	81	and	and	CCONJ
gp-33	61	82	only	only	ADV
gp-33	61	83	0.8	0.8	NUM
gp-33	61	84	%	%	NOUN
gp-33	61	85	of	of	ADP
gp-33	61	86	households	household	NOUN
gp-33	61	87	he	he	PRON
gp-33	61	88	had	have	VERB
gp-33	61	89	to	to	PART
gp-33	61	90	travel	travel	VERB
gp-33	61	91	more	more	ADJ
gp-33	61	92	than	than	ADP
gp-33	61	93	10	10	NUM
gp-33	61	94	kilometers	kilometer	NOUN
gp-33	61	95	to	to	PART
gp-33	61	96	get	get	VERB
gp-33	61	97	banking	banking	NOUN
gp-33	61	98	services	service	NOUN
gp-33	61	99	.	.	PUNCT
gp-33	62	1	rural	rural	ADJ
gp-33	62	2	bpl	bpl	NOUN
gp-33	62	3	households	household	NOUN
gp-33	62	4	had	have	VERB
gp-33	62	5	distance	distance	NOUN
gp-33	62	6	problems	problem	NOUN
gp-33	62	7	to	to	PART
gp-33	62	8	access	access	VERB
gp-33	62	9	basic	basic	ADJ
gp-33	62	10	banking	banking	NOUN
gp-33	62	11	and	and	CCONJ
gp-33	62	12	other	other	ADJ
gp-33	62	13	facilities	facility	NOUN
gp-33	62	14	compared	compare	VERB
gp-33	62	15	to	to	ADP
gp-33	62	16	urban	urban	ADJ
gp-33	62	17	households	household	NOUN
gp-33	62	18	,	,	PUNCT
gp-33	62	19	which	which	PRON
gp-33	62	20	was	be	AUX
gp-33	62	21	highly	highly	ADV
gp-33	62	22	statistically	statistically	ADV
gp-33	62	23	significant	significant	ADJ
gp-33	62	24	and	and	CCONJ
gp-33	62	25	confirmed	confirm	VERB
gp-33	62	26	by	by	ADP
gp-33	62	27	the	the	DET
gp-33	62	28	chi	chi	ADJ
gp-33	62	29	-	-	PUNCT
gp-33	62	30	square	square	ADJ
gp-33	62	31	test	test	NOUN
gp-33	62	32	.	.	PUNCT
gp-33	63	1	(	(	PUNCT
gp-33	63	2	z2	z2	NOUN
gp-33	63	3	=	=	SYM
gp-33	63	4	115.353	115.353	NUM
gp-33	63	5	,	,	PUNCT
gp-33	63	6	df	df	NOUN
gp-33	63	7	=	=	SYM
gp-33	63	8	1	1	NUM
gp-33	63	9	,	,	PUNCT
gp-33	63	10	p	p	NOUN
gp-33	63	11	=	=	PUNCT
gp-33	63	12	0.000	0.000	NUM
gp-33	63	13	<	<	X
gp-33	63	14	0.01	0.01	NUM
gp-33	63	15	,	,	PUNCT
gp-33	63	16	hs	hs	PROPN
gp-33	63	17	)	)	PUNCT
gp-33	63	18	table	table	NOUN
gp-33	63	19	2	2	NUM
gp-33	63	20	:	:	PUNCT
gp-33	63	21	distribution	distribution	NOUN
gp-33	63	22	of	of	ADP
gp-33	63	23	households	household	NOUN
gp-33	63	24	based	base	VERB
gp-33	63	25	on	on	ADP
gp-33	63	26	the	the	DET
gp-33	63	27	nature	nature	NOUN
gp-33	63	28	of	of	ADP
gp-33	63	29	financial	financial	ADJ
gp-33	63	30	inclusion	inclusion	NOUN
gp-33	63	31	(	(	PUNCT
gp-33	63	32	figures	figure	NOUN
gp-33	63	33	in	in	ADP
gp-33	63	34	percentage	percentage	NOUN
gp-33	63	35	)	)	PUNCT
gp-33	63	36	note	note	NOUN
gp-33	63	37	:	:	PUNCT
gp-33	63	38	x2	x2	PROPN
gp-33	64	1	=	=	VERB
gp-33	64	2	402.372	402.372	NUM
gp-33	64	3	,	,	PUNCT
gp-33	64	4	df=2	df=2	PROPN
gp-33	64	5	,	,	PUNCT
gp-33	64	6	p=0.000<0.01	p=0.000<0.01	PROPN
gp-33	64	7	,	,	PUNCT
gp-33	64	8	hs	hs	PROPN
gp-33	64	9	source	source	NOUN
gp-33	64	10	:	:	PUNCT
gp-33	64	11	survey	survey	NOUN
gp-33	64	12	data	datum	NOUN
gp-33	64	13	among	among	ADP
gp-33	64	14	rural	rural	ADJ
gp-33	64	15	and	and	CCONJ
gp-33	64	16	urban	urban	ADJ
gp-33	64	17	households	household	NOUN
gp-33	64	18	surveyed	survey	VERB
gp-33	64	19	in	in	ADP
gp-33	64	20	the	the	DET
gp-33	64	21	income	income	NOUN
gp-33	64	22	sector	sector	NOUN
gp-33	64	23	of	of	ADP
gp-33	64	24	orissa	orissa	PROPN
gp-33	64	25	,	,	PUNCT
gp-33	64	26	cb	cb	PROPN
gp-33	64	27	emerged	emerge	VERB
gp-33	64	28	as	as	ADP
gp-33	64	29	the	the	DET
gp-33	64	30	main	main	ADJ
gp-33	64	31	channel	channel	NOUN
gp-33	64	32	of	of	ADP
gp-33	64	33	banking	banking	NOUN
gp-33	64	34	service	service	NOUN
gp-33	64	35	delivery	delivery	NOUN
gp-33	64	36	.	.	PUNCT
gp-33	65	1	the	the	DET
gp-33	65	2	majority	majority	NOUN
gp-33	65	3	of	of	ADP
gp-33	65	4	households	household	NOUN
gp-33	65	5	had	have	VERB
gp-33	65	6	access	access	NOUN
gp-33	65	7	to	to	ADP
gp-33	65	8	two	two	NUM
gp-33	65	9	or	or	CCONJ
gp-33	65	10	more	more	ADV
gp-33	65	11	formal	formal	ADJ
gp-33	65	12	financial	financial	ADJ
gp-33	65	13	institutions	institution	NOUN
gp-33	65	14	for	for	ADP
gp-33	65	15	banking	banking	NOUN
gp-33	65	16	services	service	NOUN
gp-33	65	17	and	and	CCONJ
gp-33	65	18	benefited	benefit	VERB
gp-33	65	19	from	from	ADP
gp-33	65	20	poverty	poverty	NOUN
gp-33	65	21	eradication	eradication	NOUN
gp-33	65	22	,	,	PUNCT
gp-33	65	23	risk	risk	NOUN
gp-33	65	24	reduction	reduction	NOUN
gp-33	65	25	,	,	PUNCT
gp-33	65	26	productivity	productivity	NOUN
gp-33	65	27	enhancement	enhancement	NOUN
gp-33	65	28	and	and	CCONJ
gp-33	65	29	government	government	NOUN
gp-33	65	30	-	-	PUNCT
gp-33	65	31	sponsored	sponsor	VERB
gp-33	65	32	human	human	ADJ
gp-33	65	33	resource	resource	NOUN
gp-33	65	34	development	development	NOUN
gp-33	65	35	programs	program	NOUN
gp-33	65	36	(	(	PUNCT
gp-33	65	37	hussain	hussain	PROPN
gp-33	65	38	et	et	PROPN
gp-33	65	39	al	al	PROPN
gp-33	65	40	.	.	PROPN
gp-33	65	41	,	,	PUNCT
gp-33	65	42	2014	2014	NUM
gp-33	65	43	)	)	PUNCT
gp-33	65	44	.	.	PUNCT
gp-33	66	1	across	across	ADP
gp-33	66	2	income	income	NOUN
gp-33	66	3	sectors	sector	NOUN
gp-33	66	4	,	,	PUNCT
gp-33	66	5	there	there	PRON
gp-33	66	6	were	be	VERB
gp-33	66	7	disparities	disparity	NOUN
gp-33	66	8	in	in	ADP
gp-33	66	9	access	access	NOUN
gp-33	66	10	and	and	CCONJ
gp-33	66	11	use	use	NOUN
gp-33	66	12	of	of	ADP
gp-33	66	13	formal	formal	ADJ
gp-33	66	14	banking	banking	NOUN
gp-33	66	15	services	service	NOUN
gp-33	66	16	,	,	PUNCT
gp-33	66	17	but	but	CCONJ
gp-33	66	18	those	those	PRON
gp-33	66	19	with	with	ADP
gp-33	66	20	lower	low	ADJ
gp-33	66	21	incomes	income	NOUN
gp-33	66	22	who	who	PRON
gp-33	66	23	had	have	AUX
gp-33	66	24	recently	recently	ADV
gp-33	66	25	started	start	VERB
gp-33	66	26	using	use	VERB
gp-33	66	27	banking	banking	NOUN
gp-33	66	28	services	service	NOUN
gp-33	66	29	were	be	AUX
gp-33	66	30	unaffected	unaffected	ADJ
gp-33	66	31	.	.	PUNCT
gp-33	67	1	in	in	ADP
gp-33	67	2	this	this	DET
gp-33	67	3	regard	regard	NOUN
gp-33	67	4	,	,	PUNCT
gp-33	67	5	inter	inter	ADJ
gp-33	67	6	alia	alia	NOUN
gp-33	67	7	:	:	PUNCT
gp-33	67	8	66.5	66.5	NUM
gp-33	67	9	%	%	NOUN
gp-33	67	10	of	of	ADP
gp-33	67	11	rural	rural	ADJ
gp-33	67	12	households	household	NOUN
gp-33	67	13	had	have	VERB
gp-33	67	14	below	below	ADP
gp-33	67	15	average	average	ADJ
gp-33	67	16	financial	financial	ADJ
gp-33	67	17	inclusion	inclusion	NOUN
gp-33	67	18	flat	flat	ADJ
gp-33	67	19	.	.	PUNCT
gp-33	68	1	only	only	ADV
gp-33	68	2	7	7	NUM
gp-33	68	3	%	%	NOUN
gp-33	68	4	of	of	ADP
gp-33	68	5	rural	rural	ADJ
gp-33	68	6	households	household	NOUN
gp-33	68	7	were	be	AUX
gp-33	68	8	in	in	ADP
gp-33	68	9	the	the	DET
gp-33	68	10	above	above	ADJ
gp-33	68	11	average	average	ADJ
gp-33	68	12	category	category	NOUN
gp-33	68	13	and	and	CCONJ
gp-33	68	14	almost	almost	ADV
gp-33	68	15	46.8	46.8	NUM
gp-33	68	16	%	%	NOUN
gp-33	68	17	of	of	ADP
gp-33	68	18	urban	urban	ADJ
gp-33	68	19	households	household	NOUN
gp-33	68	20	had	have	VERB
gp-33	68	21	above	above	ADP
gp-33	68	22	average	average	ADJ
gp-33	68	23	levels	level	NOUN
gp-33	68	24	of	of	ADP
gp-33	68	25	financial	financial	ADJ
gp-33	68	26	inclusion	inclusion	NOUN
gp-33	68	27	,	,	PUNCT
gp-33	68	28	while	while	SCONJ
gp-33	68	29	9.1	9.1	NUM
gp-33	68	30	%	%	NOUN
gp-33	68	31	were	be	AUX
gp-33	68	32	in	in	ADP
gp-33	68	33	the	the	DET
gp-33	68	34	below	below	ADJ
gp-33	68	35	average	average	ADJ
gp-33	68	36	category	category	NOUN
gp-33	68	37	.	.	PUNCT
gp-33	69	1	rice	rice	NOUN
gp-33	69	2	field	field	NOUN
gp-33	69	3	.	.	PUNCT
gp-33	70	1	overall	overall	ADJ
gp-33	70	2	,	,	PUNCT
gp-33	70	3	approximately	approximately	ADV
gp-33	70	4	37.85	37.85	NUM
gp-33	70	5	%	%	NOUN
gp-33	70	6	of	of	ADP
gp-33	70	7	households	household	NOUN
gp-33	70	8	had	have	VERB
gp-33	70	9	a	a	DET
gp-33	70	10	belowaverage	belowaverage	NOUN
gp-33	70	11	type	type	NOUN
gp-33	70	12	of	of	ADP
gp-33	70	13	financial	financial	ADJ
gp-33	70	14	inclusion	inclusion	NOUN
gp-33	70	15	,	,	PUNCT
gp-33	70	16	and	and	CCONJ
gp-33	70	17	26.9	26.9	NUM
gp-33	70	18	%	%	NOUN
gp-33	70	19	of	of	ADP
gp-33	70	20	households	household	NOUN
gp-33	70	21	were	be	AUX
gp-33	70	22	in	in	ADP
gp-33	70	23	the	the	DET
gp-33	70	24	above	above	ADJ
gp-33	70	25	-	-	PUNCT
gp-33	70	26	average	average	NOUN
gp-33	70	27	category	category	NOUN
gp-33	70	28	.	.	PUNCT
gp-33	71	1	across	across	ADP
gp-33	71	2	income	income	NOUN
gp-33	71	3	bands	band	NOUN
gp-33	71	4	,	,	PUNCT
gp-33	71	5	the	the	DET
gp-33	71	6	difference	difference	NOUN
gp-33	71	7	between	between	ADP
gp-33	71	8	rural	rural	ADJ
gp-33	71	9	and	and	CCONJ
gp-33	71	10	urban	urban	ADJ
gp-33	71	11	households	household	NOUN
gp-33	71	12	was	be	AUX
gp-33	71	13	statistically	statistically	ADV
gp-33	71	14	significant	significant	ADJ
gp-33	71	15	and	and	CCONJ
gp-33	71	16	confirmed	confirm	VERB
gp-33	71	17	by	by	ADP
gp-33	71	18	the	the	DET
gp-33	71	19	chi	chi	ADJ
gp-33	71	20	-	-	PUNCT
gp-33	71	21	square	square	ADJ
gp-33	71	22	test	test	NOUN
gp-33	71	23	(	(	PUNCT
gp-33	71	24	x2=402.372	x2=402.372	PROPN
gp-33	71	25	,	,	PUNCT
gp-33	71	26	df=2	df=2	PROPN
gp-33	71	27	,	,	PUNCT
gp-33	71	28	p=0.000<0.01	p=0.000<0.01	NOUN
gp-33	71	29	hs	hs	PRON
gp-33	71	30	)	)	PUNCT
gp-33	71	31	.	.	PUNCT
gp-33	72	1	nature	nature	NOUN
gp-33	72	2	of	of	ADP
gp-33	72	3	financial	financial	ADJ
gp-33	72	4	inclusion	inclusion	NOUN
gp-33	72	5	rural	rural	ADJ
gp-33	72	6	region	region	NOUN
gp-33	72	7	urban	urban	ADJ
gp-33	72	8	total	total	NOUN
gp-33	72	9	below	below	ADP
gp-33	72	10	average	average	ADJ
gp-33	72	11	66.5	66.5	NUM
gp-33	72	12	9.2	9.2	NUM
gp-33	72	13	37.85	37.85	NUM
gp-33	72	14	average	average	NOUN
gp-33	72	15	26.5	26.5	NUM
gp-33	72	16	44.0	44.0	NUM
gp-33	72	17	35.25	35.25	NUM
gp-33	72	18	above	above	ADP
gp-33	72	19	average	average	ADJ
gp-33	72	20	7.0	7.0	NUM
gp-33	72	21	46.8	46.8	NUM
gp-33	72	22	26.9	26.9	NUM
gp-33	72	23	total	total	NOUN
gp-33	72	24	100.0	100.0	NUM
gp-33	72	25	100.0	100.0	NUM
gp-33	72	26	100.0	100.0	NUM
gp-33	72	27	american	american	ADJ
gp-33	72	28	journal	journal	NOUN
gp-33	72	29	of	of	ADP
gp-33	72	30	economic	economic	ADJ
gp-33	72	31	and	and	CCONJ
gp-33	72	32	management	management	NOUN
gp-33	72	33	business	business	NOUN
gp-33	72	34	vol	vol	NOUN
gp-33	72	35	.	.	PROPN
gp-33	72	36	2	2	NUM
gp-33	72	37	no	no	NOUN
gp-33	72	38	.	.	NOUN
gp-33	73	1	4	4	NUM
gp-33	73	2	april	april	PROPN
gp-33	73	3	2023	2023	NUM
gp-33	73	4	148	148	NUM
gp-33	73	5	table	table	NOUN
gp-33	73	6	3	3	NUM
gp-33	73	7	:	:	PUNCT
gp-33	73	8	distribution	distribution	NOUN
gp-33	73	9	of	of	ADP
gp-33	73	10	households	household	NOUN
gp-33	73	11	based	base	VERB
gp-33	73	12	on	on	ADP
gp-33	73	13	the	the	DET
gp-33	73	14	extent	extent	NOUN
gp-33	73	15	of	of	ADP
gp-33	73	16	financial	financial	ADJ
gp-33	73	17	inclusion	inclusion	NOUN
gp-33	73	18	note	note	NOUN
gp-33	73	19	x2	x2	NOUN
gp-33	73	20	:	:	PUNCT
gp-33	73	21	=	=	NOUN
gp-33	73	22	246.720	246.720	NUM
gp-33	73	23	,	,	PUNCT
gp-33	73	24	df=2	df=2	PROPN
gp-33	73	25	,	,	PUNCT
gp-33	73	26	p=0.000<0.01	p=0.000<0.01	PROPN
gp-33	73	27	,	,	PUNCT
gp-33	73	28	hs	hs	PROPN
gp-33	73	29	source	source	NOUN
gp-33	73	30	:	:	PUNCT
gp-33	73	31	survey	survey	NOUN
gp-33	73	32	data	datum	NOUN
gp-33	73	33	on	on	ADP
gp-33	73	34	average	average	ADJ
gp-33	73	35	,	,	PUNCT
gp-33	73	36	79.3	79.3	NUM
gp-33	73	37	%	%	NOUN
gp-33	73	38	of	of	ADP
gp-33	73	39	rural	rural	ADJ
gp-33	73	40	households	household	NOUN
gp-33	73	41	had	have	VERB
gp-33	73	42	below	below	ADP
gp-33	73	43	average	average	ADJ
gp-33	73	44	levels	level	NOUN
gp-33	73	45	of	of	ADP
gp-33	73	46	financial	financial	ADJ
gp-33	73	47	inclusion	inclusion	NOUN
gp-33	73	48	.	.	PUNCT
gp-33	74	1	overall	overall	ADJ
gp-33	74	2	,	,	PUNCT
gp-33	74	3	about	about	ADV
gp-33	74	4	8.1	8.1	NUM
gp-33	74	5	%	%	NOUN
gp-33	74	6	of	of	ADP
gp-33	74	7	households	household	NOUN
gp-33	74	8	had	have	VERB
gp-33	74	9	an	an	DET
gp-33	74	10	above	above	ADJ
gp-33	74	11	-	-	PUNCT
gp-33	74	12	average	average	NOUN
gp-33	74	13	level	level	NOUN
gp-33	74	14	of	of	ADP
gp-33	74	15	financial	financial	ADJ
gp-33	74	16	inclusion	inclusion	NOUN
gp-33	74	17	.	.	PUNCT
gp-33	75	1	among	among	ADP
gp-33	75	2	urban	urban	ADJ
gp-33	75	3	households	household	NOUN
gp-33	75	4	,	,	PUNCT
gp-33	75	5	about	about	ADV
gp-33	75	6	31.3	31.3	NUM
gp-33	75	7	%	%	NOUN
gp-33	75	8	had	have	VERB
gp-33	75	9	below	below	ADP
gp-33	75	10	average	average	ADJ
gp-33	75	11	levels	level	NOUN
gp-33	75	12	of	of	ADP
gp-33	75	13	financial	financial	ADJ
gp-33	75	14	inclusion	inclusion	NOUN
gp-33	75	15	and	and	CCONJ
gp-33	75	16	were	be	AUX
gp-33	75	17	below	below	ADP
gp-33	75	18	average	average	ADJ
gp-33	75	19	.	.	PUNCT
gp-33	76	1	55.3	55.3	NUM
gp-33	76	2	%	%	NOUN
gp-33	76	3	of	of	ADP
gp-33	76	4	households	household	NOUN
gp-33	76	5	had	have	VERB
gp-33	76	6	above	above	ADP
gp-33	76	7	average	average	ADJ
gp-33	76	8	levels	level	NOUN
gp-33	76	9	.	.	PUNCT
gp-33	77	1	the	the	DET
gp-33	77	2	difference	difference	NOUN
gp-33	77	3	between	between	ADP
gp-33	77	4	rural	rural	ADJ
gp-33	77	5	and	and	CCONJ
gp-33	77	6	urban	urban	ADJ
gp-33	77	7	households	household	NOUN
gp-33	77	8	across	across	ADP
gp-33	77	9	income	income	NOUN
gp-33	77	10	strata	strata	NOUN
gp-33	77	11	was	be	AUX
gp-33	77	12	highly	highly	ADV
gp-33	77	13	statistically	statistically	ADV
gp-33	77	14	significant	significant	ADJ
gp-33	77	15	,	,	PUNCT
gp-33	77	16	as	as	SCONJ
gp-33	77	17	indicated	indicate	VERB
gp-33	77	18	by	by	ADP
gp-33	77	19	the	the	DET
gp-33	77	20	chi	chi	ADJ
gp-33	77	21	-	-	PUNCT
gp-33	77	22	square	square	ADJ
gp-33	77	23	test	test	NOUN
gp-33	77	24	(	(	PUNCT
gp-33	77	25	x2=246.720	x2=246.720	PROPN
gp-33	77	26	,	,	PUNCT
gp-33	77	27	df=2	df=2	PROPN
gp-33	77	28	,	,	PUNCT
gp-33	77	29	p=0.000<0.01hs	p=0.000<0.01h	NOUN
gp-33	77	30	)	)	PUNCT
gp-33	77	31	.	.	PUNCT
gp-33	78	1	table	table	NOUN
gp-33	78	2	4	4	NUM
gp-33	78	3	:	:	PUNCT
gp-33	78	4	inter	inter	ADJ
gp-33	78	5	-	-	ADJ
gp-33	78	6	tribal	tribal	ADJ
gp-33	78	7	financial	financial	ADJ
gp-33	78	8	inclusion	inclusion	NOUN
gp-33	78	9	index	index	NOUN
gp-33	78	10	(	(	PUNCT
gp-33	78	11	ifi	ifi	PROPN
gp-33	78	12	)	)	PUNCT
gp-33	78	13	variables	variable	NOUN
gp-33	78	14	sl	sl	INTJ
gp-33	78	15	.	.	PUNCT
gp-33	78	16	no	no	INTJ
gp-33	78	17	.	.	PUNCT
gp-33	79	1	variables	variable	NOUN
gp-33	79	2	in	in	ADP
gp-33	79	3	ifi	ifi	PROPN
gp-33	79	4	mean	mean	PROPN
gp-33	79	5	scores	score	NOUN
gp-33	79	6	among	among	ADP
gp-33	79	7	tribes	tribe	NOUN
gp-33	79	8	in	in	ADP
gp-33	79	9	‘	'	PUNCT
gp-33	79	10	t	t	NOUN
gp-33	79	11	’	'	PUNCT
gp-33	79	12	statistics	statistic	NOUN
gp-33	79	13	urban	urban	ADJ
gp-33	79	14	rural	rural	ADJ
gp-33	79	15	1	1	NUM
gp-33	79	16	.	.	PUNCT
gp-33	79	17	loan	loan	NOUN
gp-33	79	18	from	from	ADP
gp-33	79	19	financial	financial	ADJ
gp-33	79	20	institution	institution	NOUN
gp-33	79	21	3.4812	3.4812	NUM
gp-33	79	22	3.8895	3.8895	NUM
gp-33	79	23	-2.2273	-2.2273	NOUN
gp-33	79	24	*	*	NOUN
gp-33	79	25	2	2	X
gp-33	79	26	.	.	X
gp-33	79	27	loan	loan	NOUN
gp-33	79	28	under	under	ADP
gp-33	79	29	schemes	scheme	NOUN
gp-33	79	30	3.4981	3.4981	NUM
gp-33	79	31	3.9189	3.9189	NUM
gp-33	79	32	-2.5503	-2.5503	NOUN
gp-33	79	33	*	*	NOUN
gp-33	79	34	3	3	X
gp-33	79	35	.	.	X
gp-33	79	36	loan	loan	NOUN
gp-33	79	37	under	under	ADP
gp-33	79	38	microfinance	microfinance	NOUN
gp-33	79	39	3.5046	3.5046	NUM
gp-33	79	40	3.5599	3.5599	NUM
gp-33	79	41	-2.3286	-2.3286	NOUN
gp-33	79	42	*	*	NUM
gp-33	79	43	4	4	X
gp-33	79	44	.	.	X
gp-33	79	45	loan	loan	NOUN
gp-33	79	46	through	through	ADP
gp-33	79	47	shg	shg	PROPN
gp-33	79	48	4.4542	4.4542	NUM
gp-33	79	49	3.8676	3.8676	NUM
gp-33	79	50	-2.5314	-2.5314	NOUN
gp-33	80	1	*	*	NUM
gp-33	80	2	5	5	X
gp-33	80	3	.	.	PUNCT
gp-33	80	4	savings	saving	NOUN
gp-33	80	5	in	in	ADP
gp-33	80	6	saving	save	VERB
gp-33	80	7	account	account	NOUN
gp-33	80	8	3.4218	3.4218	NUM
gp-33	80	9	3.1887	3.1887	NUM
gp-33	80	10	2.8942	2.8942	NUM
gp-33	80	11	*	*	SYM
gp-33	80	12	6	6	NUM
gp-33	80	13	.	.	PUNCT
gp-33	81	1	savings	saving	NOUN
gp-33	81	2	in	in	ADP
gp-33	81	3	recurring	recur	VERB
gp-33	81	4	deposits	deposit	NOUN
gp-33	81	5	3.8114	3.8114	NUM
gp-33	81	6	3.2583	3.2583	NUM
gp-33	81	7	2.5647	2.5647	NUM
gp-33	81	8	*	*	SYM
gp-33	81	9	7	7	NUM
gp-33	81	10	.	.	PUNCT
gp-33	81	11	savings	saving	NOUN
gp-33	81	12	in	in	ADP
gp-33	81	13	fixed	fix	VERB
gp-33	81	14	deposits	deposit	NOUN
gp-33	81	15	3.9027	3.9027	NUM
gp-33	81	16	3.2528	3.2528	NUM
gp-33	81	17	2.7119	2.7119	NUM
gp-33	81	18	*	*	SYM
gp-33	81	19	8	8	NUM
gp-33	81	20	.	.	PUNCT
gp-33	81	21	daily	daily	ADJ
gp-33	81	22	savings	saving	NOUN
gp-33	81	23	in	in	ADP
gp-33	81	24	banks	bank	NOUN
gp-33	82	1	3.9194	3.9194	NUM
gp-33	82	2	3.4187	3.4187	NUM
gp-33	82	3	2.6914	2.6914	NUM
gp-33	82	4	*	*	SYM
gp-33	82	5	9	9	NUM
gp-33	82	6	.	.	PUNCT
gp-33	82	7	payment	payment	NOUN
gp-33	82	8	of	of	ADP
gp-33	82	9	health	health	NOUN
gp-33	82	10	and	and	CCONJ
gp-33	82	11	life	life	NOUN
gp-33	82	12	insurance	insurance	NOUN
gp-33	82	13	3.8123	3.8123	NUM
gp-33	82	14	3.0985	3.0985	NUM
gp-33	82	15	2.8194	2.8194	NUM
gp-33	82	16	*	*	SYM
gp-33	82	17	10	10	NUM
gp-33	82	18	.	.	PUNCT
gp-33	83	1	payment	payment	NOUN
gp-33	83	2	of	of	ADP
gp-33	83	3	family	family	NOUN
gp-33	83	4	insurance	insurance	NOUN
gp-33	83	5	3.7558	3.7558	NUM
gp-33	83	6	3.2122	3.2122	NUM
gp-33	83	7	2.7243	2.7243	NUM
gp-33	83	8	*	*	SYM
gp-33	83	9	11	11	NUM
gp-33	83	10	.	.	PUNCT
gp-33	84	1	usage	usage	NOUN
gp-33	84	2	of	of	ADP
gp-33	84	3	cheques	cheque	NOUN
gp-33	84	4	and	and	CCONJ
gp-33	84	5	drafts	draft	VERB
gp-33	84	6	3.8999	3.8999	NUM
gp-33	84	7	3.1142	3.1142	NUM
gp-33	84	8	2.9988	2.9988	NUM
gp-33	84	9	*	*	SYM
gp-33	84	10	12	12	NUM
gp-33	84	11	.	.	PUNCT
gp-33	85	1	usage	usage	NOUN
gp-33	85	2	of	of	ADP
gp-33	85	3	mobile	mobile	ADJ
gp-33	85	4	banking	banking	NOUN
gp-33	85	5	3.8213	3.8213	NUM
gp-33	85	6	3.0341	3.0341	NUM
gp-33	85	7	3.0986	3.0986	NUM
gp-33	85	8	*	*	SYM
gp-33	85	9	13	13	NUM
gp-33	85	10	.	.	PUNCT
gp-33	86	1	usage	usage	NOUN
gp-33	86	2	of	of	ADP
gp-33	86	3	net	net	ADJ
gp-33	86	4	banking	banking	NOUN
gp-33	86	5	3.7199	3.7199	NUM
gp-33	86	6	2.9783	2.9783	NUM
gp-33	86	7	2.8571	2.8571	NUM
gp-33	86	8	*	*	PROPN
gp-33	86	9	14	14	NUM
gp-33	86	10	.	.	PUNCT
gp-33	87	1	usage	usage	NOUN
gp-33	87	2	of	of	ADP
gp-33	87	3	money	money	NOUN
gp-33	87	4	transfer	transfer	NOUN
gp-33	87	5	3.5693	3.5693	NUM
gp-33	87	6	2.8434	2.8434	NUM
gp-33	87	7	2.9294	2.9294	NUM
gp-33	87	8	*	*	NOUN
gp-33	87	9	15	15	NUM
gp-33	87	10	.	.	PUNCT
gp-33	88	1	usage	usage	NOUN
gp-33	88	2	of	of	ADP
gp-33	88	3	other	other	ADJ
gp-33	88	4	banking	banking	NOUN
gp-33	88	5	instruments	instrument	NOUN
gp-33	88	6	3.7550	3.7550	NUM
gp-33	88	7	3.1756	3.1756	NUM
gp-33	88	8	2.6576	2.6576	NUM
gp-33	88	9	*	*	PUNCT
gp-33	88	10	significant	significant	ADJ
gp-33	88	11	at	at	ADP
gp-33	88	12	5	5	NUM
gp-33	88	13	%	%	NOUN
gp-33	88	14	level	level	NOUN
gp-33	88	15	.	.	PUNCT
gp-33	89	1	the	the	DET
gp-33	89	2	table	table	NOUN
gp-33	89	3	shows	show	VERB
gp-33	89	4	that	that	SCONJ
gp-33	89	5	ifi	ifi	PROPN
gp-33	89	6	bank	bank	PROPN
gp-33	89	7	term	term	NOUN
gp-33	89	8	deposits	deposit	NOUN
gp-33	89	9	and	and	CCONJ
gp-33	89	10	daily	daily	ADJ
gp-33	89	11	savings	saving	NOUN
gp-33	89	12	are	be	AUX
gp-33	89	13	variables	variable	NOUN
gp-33	89	14	highly	highly	ADV
gp-33	89	15	valued	value	VERB
gp-33	89	16	by	by	ADP
gp-33	89	17	urban	urban	ADJ
gp-33	89	18	tribes	tribe	NOUN
gp-33	89	19	.	.	PUNCT
gp-33	90	1	the	the	DET
gp-33	90	2	average	average	ADJ
gp-33	90	3	values	value	NOUN
gp-33	90	4	are	be	AUX
gp-33	90	5	3.9027	3.9027	NUM
gp-33	90	6	and	and	CCONJ
gp-33	90	7	3.9194	3.9194	NUM
gp-33	90	8	respectively	respectively	ADV
gp-33	90	9	.	.	PUNCT
gp-33	91	1	among	among	ADP
gp-33	91	2	rural	rural	ADJ
gp-33	91	3	tribes	tribe	NOUN
gp-33	91	4	,	,	PUNCT
gp-33	91	5	there	there	PRON
gp-33	91	6	are	be	VERB
gp-33	91	7	shg	shg	ADJ
gp-33	91	8	loans	loan	NOUN
gp-33	91	9	and	and	CCONJ
gp-33	91	10	microfinance	microfinance	NOUN
gp-33	91	11	loans	loan	NOUN
gp-33	91	12	,	,	PUNCT
gp-33	91	13	with	with	ADP
gp-33	91	14	average	average	ADJ
gp-33	91	15	values	value	NOUN
gp-33	91	16	of	of	ADP
gp-33	91	17	3.8676	3.8676	NUM
gp-33	91	18	the	the	DET
gp-33	91	19	extent	extent	NOUN
gp-33	91	20	of	of	ADP
gp-33	91	21	financial	financial	ADJ
gp-33	91	22	inclusion	inclusion	NOUN
gp-33	91	23	rural	rural	ADJ
gp-33	91	24	region	region	NOUN
gp-33	91	25	urban	urban	ADJ
gp-33	91	26	total	total	NOUN
gp-33	91	27	below	below	ADP
gp-33	91	28	average	average	ADJ
gp-33	91	29	79.3	79.3	NUM
gp-33	91	30	31.3	31.3	NUM
gp-33	91	31	55.3	55.3	NUM
gp-33	91	32	average	average	ADJ
gp-33	91	33	4.1	4.1	NUM
gp-33	91	34	12.1	12.1	NUM
gp-33	91	35	8.1	8.1	NUM
gp-33	91	36	above	above	ADP
gp-33	91	37	average	average	ADJ
gp-33	91	38	16.6	16.6	NUM
gp-33	91	39	56.6	56.6	NUM
gp-33	91	40	36.6	36.6	NUM
gp-33	91	41	total	total	NOUN
gp-33	91	42	100.0	100.0	NUM
gp-33	91	43	100.0	100.0	NUM
gp-33	91	44	100.0	100.0	NUM
gp-33	91	45	rupak	rupak	NOUN
gp-33	91	46	kumar	kumar	PROPN
gp-33	91	47	tung	tung	PROPN
gp-33	91	48	149	149	NUM
gp-33	91	49	and	and	CCONJ
gp-33	91	50	3.5599	3.5599	NUM
gp-33	91	51	respectively	respectively	ADV
gp-33	91	52	(	(	PUNCT
gp-33	91	53	hoffmann	hoffmann	PROPN
gp-33	91	54	et	et	PROPN
gp-33	91	55	al	al	PROPN
gp-33	91	56	.	.	PROPN
gp-33	91	57	,	,	PUNCT
gp-33	91	58	2021	2021	NUM
gp-33	91	59	)	)	PUNCT
gp-33	91	60	.	.	PUNCT
gp-33	92	1	regarding	regard	VERB
gp-33	92	2	the	the	DET
gp-33	92	3	ifi	ifi	PROPN
gp-33	92	4	variables	variable	NOUN
gp-33	92	5	,	,	PUNCT
gp-33	92	6	significant	significant	ADJ
gp-33	92	7	differences	difference	NOUN
gp-33	92	8	between	between	ADP
gp-33	92	9	urban	urban	ADJ
gp-33	92	10	and	and	CCONJ
gp-33	92	11	rural	rural	ADJ
gp-33	92	12	tribes	tribe	NOUN
gp-33	92	13	were	be	AUX
gp-33	92	14	found	find	VERB
gp-33	92	15	at	at	ADP
gp-33	92	16	the	the	DET
gp-33	92	17	levels	level	NOUN
gp-33	92	18	of	of	ADP
gp-33	92	19	all	all	DET
gp-33	92	20	15	15	NUM
gp-33	92	21	ifi	ifi	PROPN
gp-33	92	22	variables	variable	NOUN
gp-33	92	23	.	.	PUNCT
gp-33	93	1	this	this	PRON
gp-33	93	2	is	be	AUX
gp-33	93	3	because	because	SCONJ
gp-33	93	4	the	the	DET
gp-33	93	5	corresponding	correspond	VERB
gp-33	93	6	'	'	PUNCT
gp-33	93	7	t	t	NOUN
gp-33	93	8	'	'	PUNCT
gp-33	93	9	statistic	statistic	NOUN
gp-33	93	10	is	be	AUX
gp-33	93	11	significant	significant	ADJ
gp-33	93	12	at	at	ADP
gp-33	93	13	the	the	DET
gp-33	93	14	5	5	NUM
gp-33	93	15	%	%	NOUN
gp-33	93	16	level	level	NOUN
gp-33	93	17	.	.	PUNCT
gp-33	94	1	table	table	NOUN
gp-33	94	2	5	5	NUM
gp-33	94	3	:	:	PUNCT
gp-33	94	4	important	important	ADJ
gp-33	94	5	banking	banking	NOUN
gp-33	94	6	activities	activity	NOUN
gp-33	94	7	in	in	ADP
gp-33	94	8	financial	financial	ADJ
gp-33	94	9	inclusion	inclusion	NOUN
gp-33	94	10	(	(	PUNCT
gp-33	94	11	ibafi	ibafi	PROPN
gp-33	94	12	)	)	PUNCT
gp-33	94	13	sl	sl	NOUN
gp-33	94	14	.	.	PUNCT
gp-33	95	1	no	no	INTJ
gp-33	95	2	.	.	PUNCT
gp-33	96	1	ibafi	ibafi	PROPN
gp-33	96	2	no	no	INTJ
gp-33	96	3	.	.	PUNCT
gp-33	96	4	of	of	ADP
gp-33	96	5	variables	variable	NOUN
gp-33	96	6	in	in	ADP
gp-33	96	7	eigenvalue	eigenvalue	ADJ
gp-33	96	8	percent	percent	NOUN
gp-33	96	9	of	of	ADP
gp-33	96	10	variation	variation	NOUN
gp-33	96	11	explained	explain	VERB
gp-33	96	12	cumulative	cumulative	ADJ
gp-33	96	13	percent	percent	NOUN
gp-33	96	14	of	of	ADP
gp-33	96	15	variation	variation	NOUN
gp-33	96	16	explained	explain	VERB
gp-33	96	17	1	1	NUM
gp-33	96	18	.	.	PUNCT
gp-33	96	19	loans	loan	NOUN
gp-33	96	20	4	4	NUM
gp-33	96	21	4.0867	4.0867	NUM
gp-33	96	22	28.27	28.27	NUM
gp-33	96	23	27.29	27.29	NUM
gp-33	96	24	2	2	NUM
gp-33	96	25	.	.	PUNCT
gp-33	97	1	savings	saving	NOUN
gp-33	97	2	4	4	NUM
gp-33	97	3	3.7096	3.7096	NUM
gp-33	97	4	24.85	24.85	NUM
gp-33	97	5	51.99	51.99	NUM
gp-33	97	6	3	3	NUM
gp-33	97	7	.	.	PUNCT
gp-33	97	8	value	value	NOUN
gp-33	97	9	-	-	PUNCT
gp-33	97	10	added	add	VERB
gp-33	97	11	services	service	NOUN
gp-33	97	12	4	4	NUM
gp-33	97	13	3.1918	3.1918	NUM
gp-33	97	14	20.73	20.73	NUM
gp-33	97	15	72.69	72.69	NUM
gp-33	97	16	4	4	NUM
gp-33	97	17	.	.	PUNCT
gp-33	98	1	e	e	X
gp-33	98	2	-	-	ADJ
gp-33	98	3	banking	banking	ADJ
gp-33	98	4	services	service	NOUN
gp-33	98	5	4	4	NUM
gp-33	98	6	2.3985	2.3985	NUM
gp-33	98	7	14.94	14.94	NUM
gp-33	98	8	88.61	88.61	NUM
gp-33	98	9	kmo	kmo	PROPN
gp-33	98	10	measure	measure	NOUN
gp-33	98	11	of	of	ADP
gp-33	98	12	sampling	sample	VERB
gp-33	98	13	adequacy	adequacy	NOUN
gp-33	98	14	:	:	PUNCT
gp-33	98	15	0.8116	0.8116	NUM
gp-33	98	16	bartletts	bartlett	NOUN
gp-33	98	17	test	test	NOUN
gp-33	98	18	of	of	ADP
gp-33	98	19	sphericity	sphericity	NOUN
gp-33	98	20	:	:	PUNCT
gp-33	98	21	chi	chi	ADJ
gp-33	98	22	-	-	PUNCT
gp-33	98	23	square	square	ADJ
gp-33	98	24	value	value	NOUN
gp-33	98	25	:	:	PUNCT
gp-33	98	26	111.99	111.99	NUM
gp-33	98	27	*	*	PUNCT
gp-33	98	28	significant	significant	ADJ
gp-33	98	29	at	at	ADP
gp-33	98	30	1	1	NUM
gp-33	98	31	%	%	NOUN
gp-33	98	32	level	level	NOUN
gp-33	98	33	the	the	DET
gp-33	98	34	table	table	NOUN
gp-33	98	35	above	above	ADV
gp-33	98	36	shows	show	VERB
gp-33	98	37	that	that	SCONJ
gp-33	98	38	the	the	DET
gp-33	98	39	first	first	ADJ
gp-33	98	40	two	two	NUM
gp-33	98	41	ibafis	ibafis	NOUN
gp-33	98	42	recognized	recognize	VERB
gp-33	98	43	by	by	ADP
gp-33	98	44	efa	efa	PROPN
gp-33	98	45	for	for	ADP
gp-33	98	46	the	the	DET
gp-33	98	47	intrinsic	intrinsic	ADJ
gp-33	98	48	value	value	NOUN
gp-33	98	49	of	of	ADP
gp-33	98	50	loans	loan	NOUN
gp-33	98	51	and	and	CCONJ
gp-33	98	52	savings	saving	NOUN
gp-33	98	53	are	be	AUX
gp-33	98	54	4.0867	4.0867	NUM
gp-33	98	55	and	and	CCONJ
gp-33	98	56	3.7096	3.7096	NUM
gp-33	98	57	respectively	respectively	ADV
gp-33	98	58	.	.	PUNCT
gp-33	99	1	28.27	28.27	NUM
gp-33	99	2	%	%	NOUN
gp-33	99	3	and	and	CCONJ
gp-33	99	4	24.85	24.85	NUM
gp-33	99	5	%	%	NOUN
gp-33	99	6	are	be	AUX
gp-33	99	7	the	the	DET
gp-33	99	8	percentages	percentage	NOUN
gp-33	99	9	of	of	ADP
gp-33	99	10	variability	variability	NOUN
gp-33	99	11	explained	explain	VERB
gp-33	99	12	by	by	ADP
gp-33	99	13	these	these	DET
gp-33	99	14	two	two	NUM
gp-33	99	15	activities	activity	NOUN
gp-33	99	16	.	.	PUNCT
gp-33	100	1	the	the	DET
gp-33	100	2	cumulative	cumulative	ADJ
gp-33	100	3	percentage	percentage	NOUN
gp-33	100	4	of	of	ADP
gp-33	100	5	variation	variation	NOUN
gp-33	100	6	interpreted	interpret	VERB
gp-33	100	7	by	by	ADP
gp-33	100	8	these	these	DET
gp-33	100	9	two	two	NUM
gp-33	100	10	activities	activity	NOUN
gp-33	100	11	is	be	AUX
gp-33	100	12	27.29	27.29	NUM
gp-33	100	13	%	%	NOUN
gp-33	100	14	and	and	CCONJ
gp-33	100	15	51.99	51.99	NUM
gp-33	100	16	%	%	NOUN
gp-33	100	17	respectively	respectively	ADV
gp-33	100	18	.	.	PUNCT
gp-33	101	1	the	the	DET
gp-33	101	2	two	two	NUM
gp-33	101	3	main	main	ADJ
gp-33	101	4	activities	activity	NOUN
gp-33	101	5	identified	identify	VERB
gp-33	101	6	by	by	ADP
gp-33	101	7	the	the	DET
gp-33	101	8	factor	factor	NOUN
gp-33	101	9	analysis	analysis	NOUN
gp-33	101	10	are	be	AUX
gp-33	101	11	value	value	NOUN
gp-33	101	12	-	-	PUNCT
gp-33	101	13	added	add	VERB
gp-33	101	14	services	service	NOUN
gp-33	101	15	and	and	CCONJ
gp-33	101	16	e	e	NOUN
gp-33	101	17	-	-	ADJ
gp-33	101	18	banking	banking	ADJ
gp-33	101	19	services	service	NOUN
gp-33	101	20	.	.	PUNCT
gp-33	102	1	their	their	PRON
gp-33	102	2	eigenvalues	eigenvalue	NOUN
gp-33	102	3	are	be	AUX
gp-33	102	4	3.1918	3.1918	NUM
gp-33	102	5	and	and	CCONJ
gp-33	102	6	2.3985	2.3985	NUM
gp-33	102	7	respectively	respectively	ADV
gp-33	102	8	.	.	PUNCT
gp-33	103	1	the	the	DET
gp-33	103	2	percentage	percentage	NOUN
gp-33	103	3	of	of	ADP
gp-33	103	4	variation	variation	NOUN
gp-33	103	5	explained	explain	VERB
gp-33	103	6	by	by	ADP
gp-33	103	7	these	these	DET
gp-33	103	8	two	two	NUM
gp-33	103	9	significant	significant	ADJ
gp-33	103	10	activities	activity	NOUN
gp-33	103	11	is	be	AUX
gp-33	103	12	20.73	20.73	NUM
gp-33	103	13	%	%	NOUN
gp-33	103	14	and	and	CCONJ
gp-33	103	15	14.94	14.94	NUM
gp-33	103	16	%	%	NOUN
gp-33	103	17	respectively	respectively	ADV
gp-33	103	18	.	.	PUNCT
gp-33	104	1	the	the	DET
gp-33	104	2	four	four	NUM
gp-33	104	3	ibafis	ibafis	ADJ
gp-33	104	4	described	describe	VERB
gp-33	104	5	show	show	VERB
gp-33	104	6	16	16	NUM
gp-33	104	7	variables	variable	NOUN
gp-33	104	8	at	at	ADP
gp-33	104	9	88.61	88.61	NUM
gp-33	104	10	%	%	NOUN
gp-33	104	11	.	.	PUNCT
gp-33	105	1	all	all	DET
gp-33	105	2	four	four	NUM
gp-33	105	3	of	of	ADP
gp-33	105	4	these	these	DET
gp-33	105	5	ibafis	ibafis	NOUN
gp-33	105	6	are	be	AUX
gp-33	105	7	considered	consider	VERB
gp-33	105	8	for	for	ADP
gp-33	105	9	further	further	ADJ
gp-33	105	10	analysis	analysis	NOUN
gp-33	105	11	.	.	PUNCT
gp-33	106	1	correlation	correlation	NOUN
gp-33	106	2	analysis	analysis	NOUN
gp-33	106	3	:	:	PUNCT
gp-33	106	4	correlations	correlation	NOUN
gp-33	106	5	between	between	ADP
gp-33	106	6	study	study	NOUN
gp-33	106	7	components	component	NOUN
gp-33	106	8	were	be	AUX
gp-33	106	9	assessed	assess	VERB
gp-33	106	10	by	by	ADP
gp-33	106	11	the	the	DET
gp-33	106	12	karl	karl	PROPN
gp-33	106	13	pearson	pearson	PROPN
gp-33	106	14	correlation	correlation	PROPN
gp-33	106	15	coefficient	coefficient	NOUN
gp-33	106	16	and	and	CCONJ
gp-33	106	17	grouped	group	VERB
gp-33	106	18	into	into	ADP
gp-33	106	19	three	three	NUM
gp-33	106	20	categories	category	NOUN
gp-33	106	21	.	.	PUNCT
gp-33	107	1	for	for	ADP
gp-33	107	2	'	'	PUNCT
gp-33	107	3	r	r	NOUN
gp-33	107	4	'	'	PUNCT
gp-33	107	5	values	value	NOUN
gp-33	107	6	greater	great	ADJ
gp-33	107	7	than	than	ADP
gp-33	107	8	0.8	0.8	NUM
gp-33	107	9	,	,	PUNCT
gp-33	107	10	the	the	DET
gp-33	107	11	first	first	ADJ
gp-33	107	12	category	category	NOUN
gp-33	107	13	is	be	AUX
gp-33	107	14	'	'	PUNCT
gp-33	107	15	strong	strong	ADJ
gp-33	107	16	correlation	correlation	NOUN
gp-33	107	17	'	'	PUNCT
gp-33	107	18	;	;	PUNCT
gp-33	107	19	for	for	ADP
gp-33	107	20	'	'	PUNCT
gp-33	107	21	r	r	NOUN
gp-33	107	22	'	'	PUNCT
gp-33	107	23	values	value	NOUN
gp-33	107	24	between	between	ADP
gp-33	107	25	0.5	0.5	NUM
gp-33	107	26	and	and	CCONJ
gp-33	107	27	0.8	0.8	NUM
gp-33	107	28	,	,	PUNCT
gp-33	107	29	the	the	DET
gp-33	107	30	second	second	ADJ
gp-33	107	31	category	category	NOUN
gp-33	107	32	is	be	AUX
gp-33	107	33	'	'	PUNCT
gp-33	107	34	good	good	ADJ
gp-33	107	35	correlation	correlation	NOUN
gp-33	107	36	'	'	PUNCT
gp-33	107	37	and	and	CCONJ
gp-33	107	38	the	the	DET
gp-33	107	39	third	third	ADJ
gp-33	107	40	category	category	NOUN
gp-33	107	41	is	be	AUX
gp-33	107	42	'	'	PUNCT
gp-33	107	43	moderate	moderate	ADJ
gp-33	107	44	it	it	PRON
gp-33	107	45	was	be	AUX
gp-33	107	46	correlation	correlation	NOUN
gp-33	107	47	.	.	PUNCT
gp-33	108	1	the	the	DET
gp-33	108	2	'	'	PUNCT
gp-33	108	3	r	r	NOUN
gp-33	108	4	'	'	PUNCT
gp-33	108	5	value	value	NOUN
gp-33	108	6	is	be	AUX
gp-33	108	7	between	between	ADP
gp-33	108	8	0.3	0.3	NUM
gp-33	108	9	and	and	CCONJ
gp-33	108	10	0.5	0.5	NUM
gp-33	108	11	between	between	ADP
gp-33	108	12	study	study	NOUN
gp-33	108	13	components	component	NOUN
gp-33	108	14	.	.	PUNCT
gp-33	109	1	overall	overall	ADV
gp-33	109	2	,	,	PUNCT
gp-33	109	3	the	the	DET
gp-33	109	4	correlations	correlation	NOUN
gp-33	109	5	between	between	ADP
gp-33	109	6	the	the	DET
gp-33	109	7	components	component	NOUN
gp-33	109	8	of	of	ADP
gp-33	109	9	financial	financial	ADJ
gp-33	109	10	inclusion	inclusion	NOUN
gp-33	109	11	and	and	CCONJ
gp-33	109	12	inclusive	inclusive	ADJ
gp-33	109	13	growth	growth	NOUN
gp-33	109	14	and	and	CCONJ
gp-33	109	15	the	the	DET
gp-33	109	16	socioeconomic	socioeconomic	ADJ
gp-33	109	17	impact	impact	NOUN
gp-33	109	18	components	component	NOUN
gp-33	109	19	of	of	ADP
gp-33	109	20	formal	formal	ADJ
gp-33	109	21	financial	financial	ADJ
gp-33	109	22	service	service	NOUN
gp-33	109	23	use	use	NOUN
gp-33	109	24	and	and	CCONJ
gp-33	109	25	inclusive	inclusive	ADJ
gp-33	109	26	growth	growth	NOUN
gp-33	109	27	are	be	AUX
gp-33	109	28	measured	measure	VERB
gp-33	109	29	as	as	ADP
gp-33	109	30	'	'	PUNCT
gp-33	109	31	good	good	ADJ
gp-33	109	32	'	'	PUNCT
gp-33	109	33	and	and	CCONJ
gp-33	109	34	'	'	PUNCT
gp-33	109	35	strong	strong	ADJ
gp-33	109	36	'	'	PUNCT
gp-33	109	37	correlations	correlation	NOUN
gp-33	109	38	.	.	PUNCT
gp-33	110	1	was	be	AUX
gp-33	110	2	done	do	VERB
gp-33	110	3	(	(	PUNCT
gp-33	110	4	0.801	0.801	NUM
gp-33	110	5	and	and	CCONJ
gp-33	110	6	'	'	PUNCT
gp-33	110	7	0.660	0.660	NUM
gp-33	110	8	'	'	PART
gp-33	110	9	p	p	X
gp-33	110	10	<	<	X
gp-33	110	11	0.01	0.01	NUM
gp-33	110	12	)	)	PUNCT
gp-33	110	13	,	,	PUNCT
gp-33	110	14	statistically	statistically	ADV
gp-33	110	15	significant	significant	ADJ
gp-33	110	16	.	.	PUNCT
gp-33	111	1	regression	regression	NOUN
gp-33	111	2	analysis	analysis	NOUN
gp-33	111	3	:	:	PUNCT
gp-33	111	4	american	american	ADJ
gp-33	111	5	journal	journal	PROPN
gp-33	111	6	of	of	ADP
gp-33	111	7	economic	economic	ADJ
gp-33	111	8	and	and	CCONJ
gp-33	111	9	management	management	NOUN
gp-33	111	10	business	business	NOUN
gp-33	111	11	vol	vol	NOUN
gp-33	111	12	.	.	PROPN
gp-33	111	13	2	2	NUM
gp-33	112	1	no	no	NOUN
gp-33	112	2	.	.	NOUN
gp-33	113	1	4	4	NUM
gp-33	113	2	april	april	PROPN
gp-33	113	3	2023	2023	NUM
gp-33	113	4	150	150	NUM
gp-33	113	5	to	to	PART
gp-33	113	6	assess	assess	VERB
gp-33	113	7	the	the	DET
gp-33	113	8	impact	impact	NOUN
gp-33	113	9	of	of	ADP
gp-33	113	10	formal	formal	ADJ
gp-33	113	11	financial	financial	ADJ
gp-33	113	12	service	service	NOUN
gp-33	113	13	use	use	NOUN
gp-33	113	14	on	on	ADP
gp-33	113	15	inclusive	inclusive	ADJ
gp-33	113	16	growth	growth	NOUN
gp-33	113	17	outcomes	outcome	NOUN
gp-33	113	18	,	,	PUNCT
gp-33	113	19	a	a	DET
gp-33	113	20	multiple	multiple	ADJ
gp-33	113	21	regression	regression	NOUN
gp-33	113	22	analysis	analysis	NOUN
gp-33	113	23	was	be	AUX
gp-33	113	24	performed	perform	VERB
gp-33	113	25	using	use	VERB
gp-33	113	26	inclusive	inclusive	ADJ
gp-33	113	27	growth	growth	NOUN
gp-33	113	28	as	as	ADP
gp-33	113	29	a	a	DET
gp-33	113	30	baseline	baseline	NOUN
gp-33	113	31	and	and	CCONJ
gp-33	113	32	the	the	DET
gp-33	113	33	impact	impact	NOUN
gp-33	113	34	of	of	ADP
gp-33	113	35	financial	financial	ADJ
gp-33	113	36	inclusion	inclusion	NOUN
gp-33	113	37	and	and	CCONJ
gp-33	113	38	financial	financial	ADJ
gp-33	113	39	service	service	NOUN
gp-33	113	40	use	use	NOUN
gp-33	113	41	as	as	ADP
gp-33	113	42	predictors	predictor	NOUN
gp-33	113	43	.	.	PUNCT
gp-33	113	44	.	.	PUNCT
gp-33	114	1	the	the	DET
gp-33	114	2	analysis	analysis	NOUN
gp-33	114	3	was	be	AUX
gp-33	114	4	statistically	statistically	ADV
gp-33	114	5	significant	significant	ADJ
gp-33	114	6	(	(	PUNCT
gp-33	114	7	t=30.044	t=30.044	NUM
gp-33	114	8	&	&	CCONJ
gp-33	114	9	26.257	26.257	NUM
gp-33	114	10	,	,	PUNCT
gp-33	114	11	p<0.01	p<0.01	PROPN
gp-33	114	12	)	)	PUNCT
gp-33	114	13	and	and	CCONJ
gp-33	114	14	at	at	ADP
gp-33	114	15	the	the	DET
gp-33	114	16	aggregate	aggregate	ADJ
gp-33	114	17	level	level	NOUN
gp-33	114	18	,	,	PUNCT
gp-33	114	19	the	the	DET
gp-33	114	20	components	component	NOUN
gp-33	114	21	of	of	ADP
gp-33	114	22	“	"	PUNCT
gp-33	114	23	financial	financial	ADJ
gp-33	114	24	inclusion	inclusion	NOUN
gp-33	114	25	”	"	PUNCT
gp-33	114	26	(	(	PUNCT
gp-33	114	27	type	type	NOUN
gp-33	114	28	of	of	ADP
gp-33	114	29	financial	financial	ADJ
gp-33	114	30	inclusion	inclusion	NOUN
gp-33	114	31	+	+	CCONJ
gp-33	114	32	degree	degree	NOUN
gp-33	114	33	of	of	ADP
gp-33	114	34	financial	financial	ADJ
gp-33	114	35	inclusion	inclusion	NOUN
gp-33	114	36	)	)	PUNCT
gp-33	114	37	and	and	CCONJ
gp-33	114	38	“	"	PUNCT
gp-33	114	39	impact	impact	NOUN
gp-33	114	40	of	of	ADP
gp-33	114	41	financial	financial	ADJ
gp-33	114	42	services	service	NOUN
gp-33	114	43	consumption	consumption	NOUN
gp-33	114	44	”	"	PUNCT
gp-33	114	45	was	be	AUX
gp-33	114	46	suggested	suggest	VERB
gp-33	114	47	.	.	PUNCT
gp-33	114	48	'	'	PUNCT
gp-33	115	1	(	(	PUNCT
gp-33	115	2	material	material	NOUN
gp-33	115	3	change	change	NOUN
gp-33	115	4	+	+	CCONJ
gp-33	115	5	cognitive	cognitive	ADJ
gp-33	115	6	change	change	NOUN
gp-33	115	7	+	+	CCONJ
gp-33	115	8	perceptual	perceptual	ADJ
gp-33	115	9	change	change	NOUN
gp-33	115	10	+	+	CCONJ
gp-33	115	11	relationship	relationship	NOUN
gp-33	115	12	change	change	NOUN
gp-33	115	13	after	after	ADP
gp-33	115	14	consumption	consumption	NOUN
gp-33	115	15	of	of	ADP
gp-33	115	16	financial	financial	ADJ
gp-33	115	17	services	service	NOUN
gp-33	115	18	)	)	PUNCT
gp-33	115	19	had	have	VERB
gp-33	115	20	a	a	DET
gp-33	115	21	significant	significant	ADJ
gp-33	115	22	impact	impact	NOUN
gp-33	115	23	on	on	ADP
gp-33	115	24	the	the	DET
gp-33	115	25	'	'	PUNCT
gp-33	115	26	inclusive	inclusive	ADJ
gp-33	115	27	growth	growth	NOUN
gp-33	115	28	'	'	PUNCT
gp-33	115	29	component	component	NOUN
gp-33	115	30	,	,	PUNCT
gp-33	115	31	confirmed	confirm	VERB
gp-33	115	32	by	by	ADP
gp-33	115	33	the	the	DET
gp-33	115	34	standard	standard	ADJ
gp-33	115	35	beta	beta	ADJ
gp-33	115	36	values	value	NOUN
gp-33	115	37	(	(	PUNCT
gp-33	115	38	each	each	DET
gp-33	115	39	§	§	NOUN
gp-33	115	40	=	=	X
gp-33	115	41	0.572	0.572	NUM
gp-33	115	42	and	and	CCONJ
gp-33	115	43	0.500	0.500	NUM
gp-33	115	44	)	)	PUNCT
gp-33	115	45	.	.	PUNCT
gp-33	116	1	this	this	PRON
gp-33	116	2	accounts	account	VERB
gp-33	116	3	for	for	ADP
gp-33	116	4	0.622	0.622	NUM
gp-33	116	5	of	of	ADP
gp-33	116	6	the	the	DET
gp-33	116	7	variability	variability	NOUN
gp-33	116	8	indicated	indicate	VERB
gp-33	116	9	by	by	ADP
gp-33	116	10	the	the	DET
gp-33	116	11	r	r	PROPN
gp-33	116	12	°	°	PROPN
gp-33	116	13	statistic	statistic	NOUN
gp-33	116	14	.	.	PUNCT
gp-33	117	1	the	the	DET
gp-33	117	2	regression	regression	NOUN
gp-33	117	3	equation	equation	NOUN
gp-33	117	4	that	that	PRON
gp-33	117	5	predicts	predict	VERB
gp-33	117	6	the	the	DET
gp-33	117	7	impact	impact	NOUN
gp-33	117	8	of	of	ADP
gp-33	117	9	financial	financial	ADJ
gp-33	117	10	inclusion	inclusion	NOUN
gp-33	117	11	on	on	ADP
gp-33	117	12	inclusive	inclusive	ADJ
gp-33	117	13	growth	growth	NOUN
gp-33	117	14	and	and	CCONJ
gp-33	117	15	access	access	NOUN
gp-33	117	16	to	to	ADP
gp-33	117	17	finance	finance	NOUN
gp-33	117	18	is	be	AUX
gp-33	117	19	y	y	NOUN
gp-33	117	20	=	=	SYM
gp-33	117	21	13.335	13.335	NUM
gp-33	117	22	+	+	CCONJ
gp-33	117	23	0.774	0.774	NUM
gp-33	117	24	x1	x1	PROPN
gp-33	118	1	+	+	NUM
gp-33	118	2	0.848^x2	0.848^x2	NUM
gp-33	118	3	.	.	PUNCT
gp-33	119	1	domínguez	domínguez	NOUN
gp-33	119	2	-	-	PUNCT
gp-33	119	3	almendros	almendro	NOUN
gp-33	119	4	et	et	NOUN
gp-33	119	5	al	al	PROPN
gp-33	119	6	.	.	PROPN
gp-33	119	7	,	,	PUNCT
gp-33	119	8	(	(	PUNCT
gp-33	119	9	2011	2011	NUM
gp-33	119	10	)	)	PUNCT
gp-33	119	11	the	the	DET
gp-33	119	12	logit	logit	PROPN
gp-33	119	13	model	model	NOUN
gp-33	119	14	was	be	AUX
gp-33	119	15	used	use	VERB
gp-33	119	16	in	in	ADP
gp-33	119	17	this	this	DET
gp-33	119	18	quantitative	quantitative	ADJ
gp-33	119	19	analysis	analysis	NOUN
gp-33	119	20	because	because	SCONJ
gp-33	119	21	it	it	PRON
gp-33	119	22	captures	capture	VERB
gp-33	119	23	the	the	DET
gp-33	119	24	persistence	persistence	NOUN
gp-33	119	25	of	of	ADP
gp-33	119	26	dependent	dependent	ADJ
gp-33	119	27	variables	variable	NOUN
gp-33	119	28	with	with	ADP
gp-33	119	29	binary	binary	NOUN
gp-33	119	30	yes	yes	INTJ
gp-33	119	31	or	or	CCONJ
gp-33	119	32	no	no	DET
gp-33	119	33	outcomes	outcome	NOUN
gp-33	119	34	(	(	PUNCT
gp-33	119	35	gujarati	gujarati	PROPN
gp-33	119	36	2003	2003	NUM
gp-33	119	37	)	)	PUNCT
gp-33	119	38	.	.	PUNCT
gp-33	120	1	in	in	ADP
gp-33	120	2	this	this	DET
gp-33	120	3	context	context	NOUN
gp-33	120	4	,	,	PUNCT
gp-33	120	5	variables	variable	NOUN
gp-33	120	6	with	with	ADP
gp-33	120	7	binary	binary	ADJ
gp-33	120	8	outcomes	outcome	NOUN
gp-33	120	9	are	be	AUX
gp-33	120	10	financial	financial	ADJ
gp-33	120	11	inclusion	inclusion	NOUN
gp-33	120	12	.	.	PUNCT
gp-33	121	1	whether	whether	SCONJ
gp-33	121	2	the	the	DET
gp-33	121	3	respondent	respondent	NOUN
gp-33	121	4	is	be	AUX
gp-33	121	5	financially	financially	ADV
gp-33	121	6	involved	involve	VERB
gp-33	121	7	.	.	PUNCT
gp-33	122	1	in	in	ADP
gp-33	122	2	this	this	DET
gp-33	122	3	study	study	NOUN
gp-33	122	4	,	,	PUNCT
gp-33	122	5	financial	financial	ADJ
gp-33	122	6	inclusion	inclusion	NOUN
gp-33	122	7	is	be	AUX
gp-33	122	8	measured	measure	VERB
gp-33	122	9	by	by	ADP
gp-33	122	10	account	account	NOUN
gp-33	122	11	availability	availability	NOUN
gp-33	122	12	and	and	CCONJ
gp-33	122	13	frequency	frequency	NOUN
gp-33	122	14	of	of	ADP
gp-33	122	15	access	access	NOUN
gp-33	122	16	to	to	ADP
gp-33	122	17	financial	financial	ADJ
gp-33	122	18	services	service	NOUN
gp-33	122	19	.	.	PUNCT
gp-33	123	1	a	a	PRON
gp-33	123	2	;	;	PUNCT
gp-33	123	3	the	the	DET
gp-33	123	4	estimated	estimate	VERB
gp-33	123	5	equation	equation	NOUN
gp-33	123	6	;	;	PUNCT
gp-33	123	7	y=	y=	PROPN
gp-33	123	8	β0+β1x1+β2x2+β3x3	β0+β1x1+β2x2+β3x3	PROPN
gp-33	123	9	…	…	PUNCT
gp-33	123	10	…	…	PUNCT
gp-33	123	11	+μ	+μ	PROPN
gp-33	123	12	in	in	ADP
gp-33	123	13	this	this	DET
gp-33	123	14	study	study	NOUN
gp-33	123	15	,	,	PUNCT
gp-33	123	16	financial	financial	ADJ
gp-33	123	17	inclusion	inclusion	NOUN
gp-33	123	18	is	be	AUX
gp-33	123	19	measured	measure	VERB
gp-33	123	20	by	by	ADP
gp-33	123	21	account	account	NOUN
gp-33	123	22	ownership	ownership	NOUN
gp-33	123	23	and	and	CCONJ
gp-33	123	24	frequency	frequency	NOUN
gp-33	123	25	of	of	ADP
gp-33	123	26	access	access	NOUN
gp-33	123	27	to	to	ADP
gp-33	123	28	financial	financial	ADJ
gp-33	123	29	services	service	NOUN
gp-33	123	30	.	.	PUNCT
gp-33	124	1	we	we	PRON
gp-33	124	2	used	use	VERB
gp-33	124	3	five	five	NUM
gp-33	124	4	explanatory	explanatory	ADJ
gp-33	124	5	variables	variable	NOUN
gp-33	124	6	,	,	PUNCT
gp-33	124	7	gender	gender	NOUN
gp-33	124	8	,	,	PUNCT
gp-33	124	9	education	education	NOUN
gp-33	124	10	,	,	PUNCT
gp-33	124	11	marital	marital	ADJ
gp-33	124	12	status	status	NOUN
gp-33	124	13	,	,	PUNCT
gp-33	124	14	and	and	CCONJ
gp-33	124	15	financial	financial	ADJ
gp-33	124	16	institution	institution	NOUN
gp-33	124	17	defining	define	VERB
gp-33	124	18	the	the	DET
gp-33	124	19	dependent	dependent	ADJ
gp-33	124	20	variables	variable	NOUN
gp-33	124	21	.	.	PUNCT
gp-33	125	1	(	(	PUNCT
gp-33	125	2	1	1	NUM
gp-33	125	3	)	)	PUNCT
gp-33	125	4	.	.	PUNCT
gp-33	126	1	frequency	frequency	NOUN
gp-33	126	2	of	of	ADP
gp-33	126	3	assessing	assess	VERB
gp-33	126	4	=	=	PUNCT
gp-33	126	5	c+β1male+β2educ+β3amount+β4single+β5financial	c+β1male+β2educ+β3amount+β4single+β5financial	ADJ
gp-33	126	6	institution	institution	NOUN
gp-33	126	7	.	.	PUNCT
gp-33	127	1	the	the	DET
gp-33	127	2	above	above	ADJ
gp-33	127	3	formula	formula	NOUN
gp-33	127	4	estimates	estimate	VERB
gp-33	127	5	financial	financial	ADJ
gp-33	127	6	inclusion	inclusion	NOUN
gp-33	127	7	potential	potential	NOUN
gp-33	127	8	based	base	VERB
gp-33	127	9	on	on	ADP
gp-33	127	10	various	various	ADJ
gp-33	127	11	characteristics	characteristic	NOUN
gp-33	127	12	.	.	PUNCT
gp-33	128	1	in	in	ADP
gp-33	128	2	this	this	DET
gp-33	128	3	study	study	NOUN
gp-33	128	4	,	,	PUNCT
gp-33	128	5	too	too	ADV
gp-33	128	6	,	,	PUNCT
gp-33	128	7	financial	financial	ADJ
gp-33	128	8	inclusion	inclusion	NOUN
gp-33	128	9	is	be	AUX
gp-33	128	10	measured	measure	VERB
gp-33	128	11	by	by	ADP
gp-33	128	12	the	the	DET
gp-33	128	13	frequency	frequency	NOUN
gp-33	128	14	with	with	ADP
gp-33	128	15	which	which	PRON
gp-33	128	16	financial	financial	ADJ
gp-33	128	17	services	service	NOUN
gp-33	128	18	are	be	AUX
gp-33	128	19	rated	rate	VERB
gp-33	128	20	.	.	PUNCT
gp-33	129	1	the	the	DET
gp-33	129	2	variables	variable	NOUN
gp-33	129	3	gender	gender	NOUN
gp-33	129	4	(=	(=	NOUN
gp-33	129	5	1	1	NUM
gp-33	129	6	if	if	SCONJ
gp-33	129	7	male	male	ADJ
gp-33	129	8	)	)	PUNCT
gp-33	129	9	,	,	PUNCT
gp-33	129	10	education	education	NOUN
gp-33	129	11	,	,	PUNCT
gp-33	129	12	employment	employment	NOUN
gp-33	129	13	level	level	NOUN
gp-33	129	14	,	,	PUNCT
gp-33	129	15	marital	marital	ADJ
gp-33	129	16	status	status	NOUN
gp-33	129	17	(=	(=	ADP
gp-33	129	18	1	1	NUM
gp-33	129	19	if	if	SCONJ
gp-33	129	20	single	single	ADJ
gp-33	129	21	)	)	PUNCT
gp-33	129	22	,	,	PUNCT
gp-33	129	23	having	have	VERB
gp-33	129	24	an	an	DET
gp-33	129	25	account	account	NOUN
gp-33	129	26	with	with	ADP
gp-33	129	27	a	a	DET
gp-33	129	28	financial	financial	ADJ
gp-33	129	29	institution	institution	NOUN
gp-33	129	30	.	.	PUNCT
gp-33	130	1	table	table	NOUN
gp-33	130	2	6	6	NUM
gp-33	130	3	:	:	PUNCT
gp-33	130	4	definition	definition	NOUN
gp-33	130	5	of	of	ADP
gp-33	130	6	variables	variable	NOUN
gp-33	130	7	;	;	PUNCT
gp-33	130	8	variable	variable	ADJ
gp-33	130	9	name	name	NOUN
gp-33	130	10	definition	definition	NOUN
gp-33	130	11	of	of	ADP
gp-33	130	12	variables	variable	NOUN
gp-33	130	13	sex	sex	NOUN
gp-33	130	14	=	=	NOUN
gp-33	130	15	1	1	NUM
gp-33	130	16	if	if	SCONJ
gp-33	130	17	male	male	ADJ
gp-33	130	18	marital	marital	ADJ
gp-33	130	19	status	status	NOUN
gp-33	130	20	=	=	NOUN
gp-33	130	21	1	1	NUM
gp-33	130	22	if	if	SCONJ
gp-33	130	23	single	single	ADJ
gp-33	130	24	level	level	NOUN
gp-33	130	25	of	of	ADP
gp-33	130	26	education	education	NOUN
gp-33	130	27	level	level	NOUN
gp-33	130	28	of	of	ADP
gp-33	130	29	education	education	NOUN
gp-33	130	30	of	of	ADP
gp-33	130	31	tribes	tribe	NOUN
gp-33	130	32	no	no	PRON
gp-33	130	33	of	of	ADP
gp-33	130	34	education	education	NOUN
gp-33	130	35	=	=	NOUN
gp-33	130	36	0	0	NUM
gp-33	130	37	if	if	SCONJ
gp-33	130	38	no	no	DET
gp-33	130	39	education	education	NOUN
gp-33	130	40	primary	primary	NOUN
gp-33	130	41	=	=	NOUN
gp-33	130	42	1	1	NUM
gp-33	130	43	secondary	secondary	ADJ
gp-33	130	44	=	=	NOUN
gp-33	130	45	2	2	NUM
gp-33	130	46	higher	high	ADJ
gp-33	130	47	secondary	secondary	ADJ
gp-33	130	48	=3	=3	VERB
gp-33	130	49	graduation	graduation	NOUN
gp-33	130	50	=	=	NOUN
gp-33	130	51	4	4	NUM
gp-33	130	52	higher	high	ADJ
gp-33	130	53	studies	study	NOUN
gp-33	130	54	=	=	SYM
gp-33	130	55	5	5	NUM
gp-33	130	56	daily	daily	ADJ
gp-33	130	57	amount	amount	NOUN
gp-33	130	58	amount	amount	NOUN
gp-33	130	59	of	of	ADP
gp-33	130	60	money	money	NOUN
gp-33	130	61	in	in	ADP
gp-33	130	62	baripada	baripada	NOUN
gp-33	130	63	town	town	NOUN
gp-33	130	64	that	that	PRON
gp-33	130	65	the	the	DET
gp-33	130	66	individual	individual	NOUN
gp-33	130	67	earns	earn	VERB
gp-33	130	68	per	per	ADP
gp-33	130	69	day	day	NOUN
gp-33	130	70	availability	availability	NOUN
gp-33	130	71	of	of	ADP
gp-33	130	72	financial	financial	ADJ
gp-33	130	73	institution	institution	NOUN
gp-33	130	74	in	in	ADP
gp-33	130	75	any	any	DET
gp-33	130	76	bank	bank	NOUN
gp-33	130	77	,	,	PUNCT
gp-33	130	78	micro	micro	NOUN
gp-33	130	79	-	-	NOUN
gp-33	130	80	finance	finance	NOUN
gp-33	130	81	or	or	CCONJ
gp-33	130	82	other	other	ADJ
gp-33	130	83	financial	financial	ADJ
gp-33	130	84	institutions	institution	NOUN
gp-33	130	85	rupak	rupak	VERB
gp-33	130	86	kumar	kumar	PROPN
gp-33	130	87	tung	tung	PROPN
gp-33	130	88	151	151	NUM
gp-33	130	89	type	type	NOUN
gp-33	130	90	of	of	ADP
gp-33	130	91	financial	financial	ADJ
gp-33	130	92	institution	institution	NOUN
gp-33	130	93	type	type	NOUN
gp-33	130	94	of	of	ADP
gp-33	130	95	bank	bank	NOUN
gp-33	130	96	,	,	PUNCT
gp-33	130	97	micro	micro	NOUN
gp-33	130	98	-	-	NOUN
gp-33	130	99	finance	finance	NOUN
gp-33	130	100	and	and	CCONJ
gp-33	130	101	other	other	ADJ
gp-33	130	102	financial	financial	ADJ
gp-33	130	103	institution	institution	NOUN
gp-33	130	104	of	of	ADP
gp-33	130	105	baripada	baripada	NOUN
gp-33	130	106	town	town	NOUN
gp-33	130	107	frequency	frequency	NOUN
gp-33	130	108	how	how	SCONJ
gp-33	130	109	many	many	ADJ
gp-33	130	110	times	time	NOUN
gp-33	130	111	do	do	AUX
gp-33	130	112	you	you	PRON
gp-33	130	113	access	access	NOUN
gp-33	130	114	,	,	PUNCT
gp-33	130	115	use	use	NOUN
gp-33	130	116	,	,	PUNCT
gp-33	130	117	afford	afford	VERB
gp-33	130	118	your	your	PRON
gp-33	130	119	bank	bank	NOUN
gp-33	130	120	account	account	NOUN
gp-33	130	121	or	or	CCONJ
gp-33	130	122	other	other	ADJ
gp-33	130	123	financial	financial	ADJ
gp-33	130	124	institution	institution	NOUN
gp-33	130	125	source	source	NOUN
gp-33	130	126	:	:	PUNCT
gp-33	130	127	interview	interview	NOUN
gp-33	130	128	data	datum	NOUN
gp-33	130	129	from	from	ADP
gp-33	130	130	field	field	NOUN
gp-33	130	131	work	work	NOUN
gp-33	130	132	(	(	PUNCT
gp-33	130	133	dec	dec	PROPN
gp-33	130	134	2022	2022	NUM
gp-33	130	135	)	)	PUNCT
gp-33	130	136	the	the	DET
gp-33	130	137	choice	choice	NOUN
gp-33	130	138	is	be	AUX
gp-33	130	139	between	between	ADP
gp-33	130	140	logit	logit	NOUN
gp-33	130	141	model	model	NOUN
gp-33	130	142	and	and	CCONJ
gp-33	130	143	probit	probit	NOUN
gp-33	130	144	model	model	NOUN
gp-33	130	145	and	and	CCONJ
gp-33	130	146	i	i	PRON
gp-33	130	147	did	do	VERB
gp-33	130	148	both	both	PRON
gp-33	130	149	but	but	CCONJ
gp-33	130	150	am	be	AUX
gp-33	130	151	going	go	VERB
gp-33	130	152	to	to	PART
gp-33	130	153	report	report	VERB
gp-33	130	154	the	the	DET
gp-33	130	155	logit	logit	PROPN
gp-33	130	156	model	model	PROPN
gp-33	130	157	.	.	PUNCT
gp-33	131	1	table	table	NOUN
gp-33	131	2	7	7	NUM
gp-33	131	3	:	:	PUNCT
gp-33	131	4	logit/	logit/	NUM
gp-33	131	5	frequency	frequency	NOUN
gp-33	131	6	of	of	ADP
gp-33	131	7	assessing	assess	VERB
gp-33	131	8	financial	financial	ADJ
gp-33	131	9	services	service	NOUN
gp-33	131	10	dependent	dependent	ADJ
gp-33	131	11	variable	variable	NOUN
gp-33	131	12	:	:	PUNCT
gp-33	131	13	frequency	frequency	NOUN
gp-33	131	14	of	of	ADP
gp-33	131	15	assessing	assess	VERB
gp-33	131	16	method	method	NOUN
gp-33	131	17	:	:	PUNCT
gp-33	131	18	mlbinary	mlbinary	PROPN
gp-33	131	19	logit	logit	PROPN
gp-33	131	20	(	(	PUNCT
gp-33	131	21	newton	newton	PROPN
gp-33	131	22	-	-	PUNCT
gp-33	131	23	raphson	raphson	PROPN
gp-33	131	24	/	/	SYM
gp-33	131	25	marquardt	marquardt	PROPN
gp-33	131	26	step	step	NOUN
gp-33	131	27	)	)	PUNCT
gp-33	131	28	variable	variable	ADJ
gp-33	131	29	coefficient	coefficient	NOUN
gp-33	131	30	std	std	PROPN
gp-33	131	31	.	.	PROPN
gp-33	131	32	error	error	NOUN
gp-33	131	33	zstatistics	zstatistic	NOUN
gp-33	131	34	prob	prob	NOUN
gp-33	131	35	.	.	PUNCT
gp-33	132	1	male	male	NOUN
gp-33	132	2	0.839387	0.839387	NUM
gp-33	132	3	0.652732	0.652732	NUM
gp-33	132	4	1.165321	1.165321	NUM
gp-33	132	5	0.2104	0.2104	NUM
gp-33	132	6	education	education	NOUN
gp-33	132	7	0.333887	0.333887	NUM
gp-33	132	8	0.348108	0.348108	NUM
gp-33	132	9	1.087714	1.087714	NUM
gp-33	132	10	0.2897	0.2897	NUM
gp-33	132	11	amount	amount	NOUN
gp-33	132	12	0.000110	0.000110	NUM
gp-33	132	13	6.38e-05	6.38e-05	NUM
gp-33	132	14	1.642977	1.642977	NUM
gp-33	132	15	0.0984	0.0984	NUM
gp-33	132	16	single	single	ADJ
gp-33	132	17	0.217349	0.217349	NUM
gp-33	132	18	0.687126	0.687126	NUM
gp-33	132	19	0.382152	0.382152	NUM
gp-33	132	20	0.7256	0.7256	NUM
gp-33	132	21	institution	institution	NOUN
gp-33	132	22	1.346988	1.346988	NUM
gp-33	132	23	0.596285	0.596285	NUM
gp-33	132	24	2.560042	2.560042	NUM
gp-33	132	25	0.0116	0.0116	NUM
gp-33	132	26	c	c	NOUN
gp-33	132	27	-5.219927	-5.219927	NOUN
gp-33	133	1	1.172432	1.172432	NUM
gp-33	133	2	-4.581918	-4.581918	NOUN
gp-33	133	3	0	0	NUM
gp-33	133	4	mcfadden	mcfadden	PROPN
gp-33	133	5	r	r	X
gp-33	133	6	-	-	PUNCT
gp-33	133	7	squared	square	VERB
gp-33	133	8	0.275675	0.275675	NUM
gp-33	133	9	mean	mean	NOUN
gp-33	133	10	dependent	dependent	ADJ
gp-33	133	11	var	var	NOUN
gp-33	133	12	0.24	0.24	NUM
gp-33	133	13	s.d	s.d	PROPN
gp-33	133	14	dependent	dependent	ADJ
gp-33	133	15	var	var	NOUN
gp-33	133	16	0.441953	0.441953	NUM
gp-33	133	17	s.e	s.e	PROPN
gp-33	133	18	of	of	ADP
gp-33	133	19	regression	regression	NOUN
gp-33	133	20	0.36738	0.36738	NUM
gp-33	133	21	akaike	akaike	ADJ
gp-33	133	22	info	info	NOUN
gp-33	133	23	criterion	criterion	NOUN
gp-33	133	24	0.989812	0.989812	NUM
gp-33	133	25	sum	sum	NOUN
gp-33	133	26	squared	square	VERB
gp-33	133	27	resid	resid	NOUN
gp-33	133	28	13.0732	13.0732	NUM
gp-33	133	29	schwarz	schwarz	NOUN
gp-33	133	30	criterion	criterion	NOUN
gp-33	133	31	1.046222	1.046222	NUM
gp-33	133	32	log	log	NOUN
gp-33	133	33	likelihood	likelihood	NOUN
gp-33	133	34	-38.981	-38.981	VERB
gp-33	133	35	hannan	hannan	PROPN
gp-33	133	36	-	-	PUNCT
gp-33	133	37	quinn	quinn	PROPN
gp-33	133	38	criterion	criterion	NOUN
gp-33	133	39	0.964074	0.964074	NUM
gp-33	133	40	deviance	deviance	NOUN
gp-33	133	41	76.9813	76.9813	NUM
gp-33	133	42	restr	restr	NOUN
gp-33	133	43	.	.	PUNCT
gp-33	134	1	deviance	deviance	NOUN
gp-33	134	2	105.8653	105.8653	NUM
gp-33	134	3	restr	restr	NOUN
gp-33	134	4	.	.	PUNCT
gp-33	135	1	log	log	NOUN
gp-33	135	2	likelihood	likelihood	NOUN
gp-33	135	3	-54.918	-54.918	PROPN
gp-33	135	4	lr	lr	PROPN
gp-33	135	5	statistic	statistic	NOUN
gp-33	135	6	33.78553	33.78553	NUM
gp-33	135	7	avg	avg	NOUN
gp-33	135	8	.	.	PUNCT
gp-33	136	1	log	log	PROPN
gp-33	136	2	likelihood	likelihood	NOUN
gp-33	136	3	-0.3898	-0.3898	PROPN
gp-33	136	4	prob	prob	NOUN
gp-33	136	5	(	(	PUNCT
gp-33	136	6	lr	lr	X
gp-33	136	7	statistic	statistic	NOUN
gp-33	136	8	)	)	PUNCT
gp-33	136	9	0.000007	0.000007	NUM
gp-33	136	10	obs	ob	NOUN
gp-33	136	11	with	with	ADP
gp-33	136	12	dep=0	dep=0	PROPN
gp-33	136	13	269	269	NUM
gp-33	136	14	total	total	ADJ
gp-33	136	15	obs	obs	PROPN
gp-33	136	16	357	357	NUM
gp-33	136	17	obs	ob	NOUN
gp-33	136	18	with	with	ADP
gp-33	136	19	dep=1	dep=1	PROPN
gp-33	136	20	88	88	NUM
gp-33	136	21	.	.	PUNCT
gp-33	137	1	standard	standard	ADJ
gp-33	137	2	errors	error	NOUN
gp-33	137	3	*	*	PUNCT
gp-33	137	4	*	*	PUNCT
gp-33	137	5	*	*	PUNCT
gp-33	137	6	p<0.01	p<0.01	PROPN
gp-33	137	7	,	,	PUNCT
gp-33	137	8	*	*	PUNCT
gp-33	137	9	*	*	PUNCT
gp-33	137	10	p<0.05	p<0.05	NOUN
gp-33	137	11	,	,	PUNCT
gp-33	137	12	*	*	SYM
gp-33	137	13	p<0.1	p<0.1	NUM
gp-33	137	14	in	in	ADP
gp-33	137	15	my	my	PRON
gp-33	137	16	sample	sample	NOUN
gp-33	137	17	of	of	ADP
gp-33	137	18	357	357	NUM
gp-33	137	19	observations	observation	NOUN
gp-33	137	20	.	.	PUNCT
gp-33	138	1	the	the	DET
gp-33	138	2	results	result	NOUN
gp-33	138	3	show	show	VERB
gp-33	138	4	that	that	SCONJ
gp-33	138	5	88	88	NUM
gp-33	138	6	tribes	tribe	NOUN
gp-33	138	7	accessed	access	VERB
gp-33	138	8	or	or	CCONJ
gp-33	138	9	used	use	VERB
gp-33	138	10	his	his	PRON
gp-33	138	11	account	account	NOUN
gp-33	138	12	at	at	ADV
gp-33	138	13	least	least	ADJ
gp-33	138	14	once	once	ADV
gp-33	138	15	a	a	DET
gp-33	138	16	month	month	NOUN
gp-33	138	17	in	in	ADP
gp-33	138	18	the	the	DET
gp-33	138	19	last	last	ADJ
gp-33	138	20	six	six	NUM
gp-33	138	21	months	month	NOUN
gp-33	138	22	,	,	PUNCT
gp-33	138	23	while	while	SCONJ
gp-33	138	24	269	269	NUM
gp-33	138	25	tribes	tribe	NOUN
gp-33	138	26	had	have	AUX
gp-33	138	27	not	not	PART
gp-33	138	28	accessed	access	VERB
gp-33	138	29	their	their	PRON
gp-33	138	30	accounts	account	NOUN
gp-33	138	31	in	in	ADP
gp-33	138	32	the	the	DET
gp-33	138	33	last	last	ADJ
gp-33	138	34	six	six	NUM
gp-33	138	35	months.mcfadden	months.mcfadden	NOUN
gp-33	138	36	's	's	PART
gp-33	138	37	r	r	NOUN
gp-33	138	38	-	-	PUNCT
gp-33	138	39	squared	square	VERB
gp-33	138	40	of	of	ADP
gp-33	138	41	0.275675	0.275675	NUM
gp-33	138	42	indicates	indicate	VERB
gp-33	138	43	that	that	SCONJ
gp-33	138	44	some	some	DET
gp-33	138	45	variables	variable	NOUN
gp-33	138	46	(	(	PUNCT
gp-33	138	47	gender	gender	NOUN
gp-33	138	48	,	,	PUNCT
gp-33	138	49	education	education	NOUN
gp-33	138	50	,	,	PUNCT
gp-33	138	51	marital	marital	ADJ
gp-33	138	52	status	status	NOUN
gp-33	138	53	)	)	PUNCT
gp-33	138	54	have	have	VERB
gp-33	138	55	the	the	DET
gp-33	138	56	expected	expect	VERB
gp-33	138	57	signs	sign	NOUN
gp-33	138	58	,	,	PUNCT
gp-33	138	59	but	but	CCONJ
gp-33	138	60	are	be	AUX
gp-33	138	61	not	not	PART
gp-33	138	62	american	american	ADJ
gp-33	138	63	journal	journal	NOUN
gp-33	138	64	of	of	ADP
gp-33	138	65	economic	economic	ADJ
gp-33	138	66	and	and	CCONJ
gp-33	138	67	management	management	NOUN
gp-33	138	68	business	business	NOUN
gp-33	138	69	vol	vol	NOUN
gp-33	138	70	.	.	PROPN
gp-33	138	71	2	2	NUM
gp-33	138	72	no	no	NOUN
gp-33	138	73	.	.	NOUN
gp-33	138	74	4	4	NUM
gp-33	138	75	april	april	PROPN
gp-33	138	76	2023	2023	NUM
gp-33	138	77	152	152	NUM
gp-33	138	78	statistically	statistically	ADV
gp-33	138	79	significant	significant	ADJ
gp-33	138	80	,	,	PUNCT
gp-33	138	81	so	so	CCONJ
gp-33	138	82	the	the	DET
gp-33	138	83	model	model	NOUN
gp-33	138	84	works	work	VERB
gp-33	138	85	logically	logically	ADV
gp-33	138	86	well	well	ADV
gp-33	138	87	indicates	indicate	VERB
gp-33	138	88	that	that	SCONJ
gp-33	138	89	furthermore	furthermore	ADV
gp-33	138	90	,	,	PUNCT
gp-33	138	91	the	the	DET
gp-33	138	92	likelihood	likelihood	NOUN
gp-33	138	93	ratio	ratio	NOUN
gp-33	138	94	test	test	NOUN
gp-33	138	95	statistic	statistic	NOUN
gp-33	138	96	of	of	ADP
gp-33	138	97	33.78553	33.78553	NUM
gp-33	138	98	and	and	CCONJ
gp-33	138	99	the	the	DET
gp-33	138	100	associated	associated	ADJ
gp-33	138	101	p	p	NOUN
gp-33	138	102	-	-	PUNCT
gp-33	138	103	value	value	NOUN
gp-33	138	104	of	of	ADP
gp-33	138	105	0.000007	0.000007	NUM
gp-33	138	106	indicate	indicate	VERB
gp-33	138	107	that	that	SCONJ
gp-33	138	108	the	the	DET
gp-33	138	109	model	model	NOUN
gp-33	138	110	fits	fit	VERB
gp-33	138	111	significantly	significantly	ADV
gp-33	138	112	better	well	ADJ
gp-33	138	113	when	when	SCONJ
gp-33	138	114	he	he	PRON
gp-33	138	115	uses	use	VERB
gp-33	138	116	all	all	DET
gp-33	138	117	five	five	NUM
gp-33	138	118	of	of	ADP
gp-33	138	119	his	his	PRON
gp-33	138	120	explanatory	explanatory	ADJ
gp-33	138	121	variables	variable	NOUN
gp-33	138	122	than	than	ADP
gp-33	138	123	when	when	SCONJ
gp-33	138	124	he	he	PRON
gp-33	138	125	uses	use	VERB
gp-33	138	126	fewer	few	ADJ
gp-33	138	127	explanatory	explanatory	ADJ
gp-33	138	128	variables	variable	NOUN
gp-33	138	129	.	.	PUNCT
gp-33	139	1	i	i	PRON
gp-33	139	2	'm	be	AUX
gp-33	139	3	here	here	ADV
gp-33	139	4	.	.	PUNCT
gp-33	140	1	a	a	DET
gp-33	140	2	coefficient	coefficient	NOUN
gp-33	140	3	of	of	ADP
gp-33	140	4	0.00	0.00	NUM
gp-33	140	5	associated	associate	VERB
gp-33	140	6	with	with	ADP
gp-33	140	7	the	the	DET
gp-33	140	8	variable	variable	ADJ
gp-33	140	9	amount	amount	NOUN
gp-33	140	10	is	be	AUX
gp-33	140	11	statistically	statistically	ADV
gp-33	140	12	significant	significant	ADJ
gp-33	140	13	at	at	ADP
gp-33	140	14	the	the	DET
gp-33	140	15	10	10	NUM
gp-33	140	16	%	%	NOUN
gp-33	140	17	significance	significance	NOUN
gp-33	140	18	level	level	NOUN
gp-33	140	19	.	.	PUNCT
gp-33	141	1	this	this	PRON
gp-33	141	2	suggests	suggest	VERB
gp-33	141	3	that	that	SCONJ
gp-33	141	4	higher	high	ADJ
gp-33	141	5	income	income	NOUN
gp-33	141	6	tribe	tribe	NOUN
gp-33	141	7	are	be	AUX
gp-33	141	8	more	more	ADV
gp-33	141	9	likely	likely	ADJ
gp-33	141	10	than	than	ADP
gp-33	141	11	lower	low	ADJ
gp-33	141	12	income	income	NOUN
gp-33	141	13	tribe	tribe	NOUN
gp-33	141	14	to	to	PART
gp-33	141	15	access	access	VERB
gp-33	141	16	or	or	CCONJ
gp-33	141	17	use	use	VERB
gp-33	141	18	their	their	PRON
gp-33	141	19	accounts	account	NOUN
gp-33	141	20	at	at	ADP
gp-33	141	21	least	least	ADJ
gp-33	141	22	once	once	ADV
gp-33	141	23	a	a	DET
gp-33	141	24	month	month	NOUN
gp-33	141	25	in	in	ADP
gp-33	141	26	the	the	DET
gp-33	141	27	past	past	ADJ
gp-33	141	28	six	six	NUM
gp-33	141	29	months	month	NOUN
gp-33	141	30	.	.	PUNCT
gp-33	142	1	furthermore	furthermore	ADV
gp-33	142	2	,	,	PUNCT
gp-33	142	3	the	the	DET
gp-33	142	4	coefficient	coefficient	NOUN
gp-33	142	5	of	of	ADP
gp-33	142	6	1.3	1.3	NUM
gp-33	142	7	associated	associate	VERB
gp-33	142	8	with	with	ADP
gp-33	142	9	the	the	DET
gp-33	142	10	availability	availability	NOUN
gp-33	142	11	of	of	ADP
gp-33	142	12	financial	financial	ADJ
gp-33	142	13	institutions	institution	NOUN
gp-33	142	14	within	within	ADP
gp-33	142	15	the	the	DET
gp-33	142	16	city	city	NOUN
gp-33	142	17	is	be	AUX
gp-33	142	18	statistically	statistically	ADV
gp-33	142	19	significant	significant	ADJ
gp-33	142	20	at	at	ADP
gp-33	142	21	the	the	DET
gp-33	142	22	5	5	NUM
gp-33	142	23	%	%	NOUN
gp-33	142	24	significance	significance	NOUN
gp-33	142	25	level	level	NOUN
gp-33	142	26	(	(	PUNCT
gp-33	142	27	kostovetsky	kostovetsky	NOUN
gp-33	142	28	,	,	PUNCT
gp-33	142	29	2015	2015	NUM
gp-33	142	30	)	)	PUNCT
gp-33	142	31	.	.	PUNCT
gp-33	143	1	also	also	ADV
gp-33	143	2	,	,	PUNCT
gp-33	143	3	schooled	schooled	ADJ
gp-33	143	4	and	and	CCONJ
gp-33	143	5	single	single	ADJ
gp-33	143	6	tribe	tribe	NOUN
gp-33	143	7	access	access	NOUN
gp-33	143	8	and	and	CCONJ
gp-33	143	9	use	use	VERB
gp-33	143	10	their	their	PRON
gp-33	143	11	accounts	account	NOUN
gp-33	143	12	more	more	ADV
gp-33	143	13	than	than	ADP
gp-33	143	14	once	once	ADV
gp-33	143	15	a	a	DET
gp-33	143	16	month	month	NOUN
gp-33	143	17	in	in	ADP
gp-33	143	18	the	the	DET
gp-33	143	19	past	past	ADJ
gp-33	143	20	6	6	NUM
gp-33	143	21	months	month	NOUN
gp-33	143	22	than	than	ADP
gp-33	143	23	out	out	ADV
gp-33	143	24	-	-	PUNCT
gp-33	143	25	of	of	ADP
gp-33	143	26	-	-	PUNCT
gp-33	143	27	school	school	NOUN
gp-33	143	28	and	and	CCONJ
gp-33	143	29	married	married	ADJ
gp-33	143	30	single	single	ADJ
gp-33	143	31	tribe	tribe	NOUN
gp-33	143	32	.	.	PUNCT
gp-33	144	1	more	more	ADV
gp-33	144	2	likely	likely	ADV
gp-33	144	3	but	but	CCONJ
gp-33	144	4	this	this	PRON
gp-33	144	5	is	be	AUX
gp-33	144	6	not	not	PART
gp-33	144	7	statistically	statistically	ADV
gp-33	144	8	significant	significant	ADJ
gp-33	144	9	.	.	PUNCT
gp-33	145	1	in	in	ADP
gp-33	145	2	summary	summary	NOUN
gp-33	145	3	,	,	PUNCT
gp-33	145	4	as	as	SCONJ
gp-33	145	5	noted	note	VERB
gp-33	145	6	above	above	ADV
gp-33	145	7	,	,	PUNCT
gp-33	145	8	financial	financial	ADJ
gp-33	145	9	inclusion	inclusion	NOUN
gp-33	145	10	in	in	ADP
gp-33	145	11	this	this	DET
gp-33	145	12	study	study	NOUN
gp-33	145	13	is	be	AUX
gp-33	145	14	measured	measure	VERB
gp-33	145	15	by	by	ADP
gp-33	145	16	the	the	DET
gp-33	145	17	presence	presence	NOUN
gp-33	145	18	of	of	ADP
gp-33	145	19	accounts	account	NOUN
gp-33	145	20	and	and	CCONJ
gp-33	145	21	the	the	DET
gp-33	145	22	frequency	frequency	NOUN
gp-33	145	23	of	of	ADP
gp-33	145	24	access	access	NOUN
gp-33	145	25	or	or	CCONJ
gp-33	145	26	use	use	NOUN
gp-33	145	27	of	of	ADP
gp-33	145	28	financial	financial	ADJ
gp-33	145	29	services	service	NOUN
gp-33	145	30	(	(	PUNCT
gp-33	145	31	demirgüç	demirgüç	PROPN
gp-33	145	32	-	-	PUNCT
gp-33	145	33	kunt	kunt	PROPN
gp-33	145	34	&	&	CCONJ
gp-33	145	35	singer	singer	NOUN
gp-33	145	36	,	,	PUNCT
gp-33	145	37	2017	2017	NUM
gp-33	145	38	)	)	PUNCT
gp-33	145	39	.	.	PUNCT
gp-33	146	1	as	as	SCONJ
gp-33	146	2	shown	show	VERB
gp-33	146	3	in	in	ADP
gp-33	146	4	table	table	NOUN
gp-33	146	5	7	7	NUM
gp-33	146	6	,	,	PUNCT
gp-33	146	7	all	all	DET
gp-33	146	8	five	five	NUM
gp-33	146	9	explanatory	explanatory	ADJ
gp-33	146	10	variables	variable	NOUN
gp-33	146	11	are	be	AUX
gp-33	146	12	positive	positive	ADJ
gp-33	146	13	:	:	PUNCT
gp-33	146	14	gender	gender	NOUN
gp-33	146	15	,	,	PUNCT
gp-33	146	16	education	education	NOUN
gp-33	146	17	,	,	PUNCT
gp-33	146	18	marital	marital	ADJ
gp-33	146	19	status	status	NOUN
gp-33	146	20	,	,	PUNCT
gp-33	146	21	amount	amount	NOUN
gp-33	146	22	of	of	ADP
gp-33	146	23	money	money	NOUN
gp-33	146	24	,	,	PUNCT
gp-33	146	25	and	and	CCONJ
gp-33	146	26	financial	financial	ADJ
gp-33	146	27	institution	institution	NOUN
gp-33	146	28	.	.	PUNCT
gp-33	147	1	however	however	ADV
gp-33	147	2	,	,	PUNCT
gp-33	147	3	the	the	DET
gp-33	147	4	amount	amount	NOUN
gp-33	147	5	is	be	AUX
gp-33	147	6	statistically	statistically	ADV
gp-33	147	7	significant	significant	ADJ
gp-33	147	8	at	at	ADP
gp-33	147	9	the	the	DET
gp-33	147	10	10	10	NUM
gp-33	147	11	%	%	NOUN
gp-33	147	12	significance	significance	NOUN
gp-33	147	13	level	level	NOUN
gp-33	147	14	,	,	PUNCT
gp-33	147	15	as	as	SCONJ
gp-33	147	16	shown	show	VERB
gp-33	147	17	in	in	ADP
gp-33	147	18	table	table	NOUN
gp-33	147	19	7	7	NUM
gp-33	147	20	.	.	PUNCT
gp-33	148	1	additionally	additionally	ADV
gp-33	148	2	,	,	PUNCT
gp-33	148	3	they	they	PRON
gp-33	148	4	are	be	AUX
gp-33	148	5	more	more	ADV
gp-33	148	6	likely	likely	ADJ
gp-33	148	7	to	to	PART
gp-33	148	8	be	be	AUX
gp-33	148	9	financially	financially	ADV
gp-33	148	10	involved	involve	VERB
gp-33	148	11	,	,	PUNCT
gp-33	148	12	as	as	SCONJ
gp-33	148	13	shown	show	VERB
gp-33	148	14	in	in	ADP
gp-33	148	15	the	the	DET
gp-33	148	16	table	table	NOUN
gp-33	148	17	above	above	ADV
gp-33	148	18	.	.	PUNCT
gp-33	149	1	thus	thus	ADV
gp-33	149	2	,	,	PUNCT
gp-33	149	3	having	have	VERB
gp-33	149	4	an	an	DET
gp-33	149	5	account	account	NOUN
gp-33	149	6	and	and	CCONJ
gp-33	149	7	frequency	frequency	NOUN
gp-33	149	8	of	of	ADP
gp-33	149	9	accessing	access	VERB
gp-33	149	10	or	or	CCONJ
gp-33	149	11	using	use	VERB
gp-33	149	12	financial	financial	ADJ
gp-33	149	13	services	service	NOUN
gp-33	149	14	were	be	AUX
gp-33	149	15	the	the	DET
gp-33	149	16	two	two	NUM
gp-33	149	17	dependent	dependent	ADJ
gp-33	149	18	variables	variable	NOUN
gp-33	149	19	that	that	PRON
gp-33	149	20	defined	define	VERB
gp-33	149	21	financial	financial	ADJ
gp-33	149	22	inclusion	inclusion	NOUN
gp-33	149	23	in	in	ADP
gp-33	149	24	the	the	DET
gp-33	149	25	study	study	NOUN
gp-33	149	26	,	,	PUNCT
gp-33	149	27	with	with	ADP
gp-33	149	28	the	the	DET
gp-33	149	29	availability	availability	NOUN
gp-33	149	30	of	of	ADP
gp-33	149	31	financial	financial	ADJ
gp-33	149	32	institutions	institution	NOUN
gp-33	149	33	in	in	ADP
gp-33	149	34	the	the	DET
gp-33	149	35	city	city	NOUN
gp-33	149	36	increasing	increase	VERB
gp-33	149	37	the	the	DET
gp-33	149	38	financial	financial	ADJ
gp-33	149	39	inclusion	inclusion	NOUN
gp-33	149	40	of	of	ADP
gp-33	149	41	tribe	tribe	NOUN
gp-33	149	42	.	.	PUNCT
gp-33	150	1	more	more	ADV
gp-33	150	2	likely	likely	ADJ
gp-33	150	3	.	.	PUNCT
gp-33	151	1	conclusion	conclusion	NOUN
gp-33	151	2	based	base	VERB
gp-33	151	3	on	on	ADP
gp-33	151	4	observations	observation	NOUN
gp-33	151	5	,	,	PUNCT
gp-33	151	6	analyses	analysis	NOUN
gp-33	151	7	,	,	PUNCT
gp-33	151	8	and	and	CCONJ
gp-33	151	9	insights	insight	NOUN
gp-33	151	10	,	,	PUNCT
gp-33	151	11	this	this	DET
gp-33	151	12	paper	paper	NOUN
gp-33	151	13	draws	draw	VERB
gp-33	151	14	the	the	DET
gp-33	151	15	following	follow	VERB
gp-33	151	16	conclusions.there	conclusions.there	PROPN
gp-33	151	17	is	be	AUX
gp-33	151	18	a	a	DET
gp-33	151	19	mismatch	mismatch	NOUN
gp-33	151	20	between	between	ADP
gp-33	151	21	macro	macro	ADJ
gp-33	151	22	-	-	NOUN
gp-33	151	23	level	level	ADJ
gp-33	151	24	financial	financial	ADJ
gp-33	151	25	inclusion	inclusion	NOUN
gp-33	151	26	in	in	ADP
gp-33	151	27	the	the	DET
gp-33	151	28	indian	indian	ADJ
gp-33	151	29	economy	economy	NOUN
gp-33	151	30	and	and	CCONJ
gp-33	151	31	revenue	revenue	NOUN
gp-33	151	32	sources	source	NOUN
gp-33	151	33	in	in	ADP
gp-33	151	34	odisha	odisha	PROPN
gp-33	151	35	.	.	PUNCT
gp-33	152	1	at	at	ADP
gp-33	152	2	the	the	DET
gp-33	152	3	macro	macro	ADJ
gp-33	152	4	level	level	NOUN
gp-33	152	5	,	,	PUNCT
gp-33	152	6	even	even	ADV
gp-33	152	7	after	after	SCONJ
gp-33	152	8	financial	financial	ADJ
gp-33	152	9	inclusion	inclusion	NOUN
gp-33	152	10	initiatives	initiative	NOUN
gp-33	152	11	have	have	AUX
gp-33	152	12	been	be	AUX
gp-33	152	13	implemented	implement	VERB
gp-33	152	14	,	,	PUNCT
gp-33	152	15	there	there	PRON
gp-33	152	16	are	be	VERB
gp-33	152	17	large	large	ADJ
gp-33	152	18	inequalities	inequality	NOUN
gp-33	152	19	in	in	ADP
gp-33	152	20	the	the	DET
gp-33	152	21	economy	economy	NOUN
gp-33	152	22	,	,	PUNCT
gp-33	152	23	with	with	ADP
gp-33	152	24	most	most	ADJ
gp-33	152	25	farmers	farmer	NOUN
gp-33	152	26	,	,	PUNCT
gp-33	152	27	the	the	DET
gp-33	152	28	poor	poor	ADJ
gp-33	152	29	and	and	CCONJ
gp-33	152	30	marginalized	marginalize	VERB
gp-33	152	31	segments	segment	NOUN
gp-33	152	32	of	of	ADP
gp-33	152	33	society	society	NOUN
gp-33	152	34	lacking	lack	VERB
gp-33	152	35	access	access	NOUN
gp-33	152	36	to	to	ADP
gp-33	152	37	financial	financial	ADJ
gp-33	152	38	services	service	NOUN
gp-33	152	39	.	.	PUNCT
gp-33	153	1	the	the	DET
gp-33	153	2	study	study	NOUN
gp-33	153	3	identifies	identify	VERB
gp-33	153	4	differences	difference	NOUN
gp-33	153	5	in	in	ADP
gp-33	153	6	income	income	NOUN
gp-33	153	7	distribution	distribution	NOUN
gp-33	153	8	within	within	ADP
gp-33	153	9	states	state	NOUN
gp-33	153	10	and	and	CCONJ
gp-33	153	11	among	among	ADP
gp-33	153	12	households	household	NOUN
gp-33	153	13	belonging	belong	VERB
gp-33	153	14	to	to	ADP
gp-33	153	15	socially	socially	ADV
gp-33	153	16	disadvantaged	disadvantaged	ADJ
gp-33	153	17	sections	section	NOUN
gp-33	153	18	of	of	ADP
gp-33	153	19	the	the	DET
gp-33	153	20	population	population	NOUN
gp-33	153	21	.	.	PUNCT
gp-33	154	1	there	there	PRON
gp-33	154	2	is	be	VERB
gp-33	154	3	a	a	DET
gp-33	154	4	positive	positive	ADJ
gp-33	154	5	association	association	NOUN
gp-33	154	6	between	between	ADP
gp-33	154	7	the	the	DET
gp-33	154	8	use	use	NOUN
gp-33	154	9	of	of	ADP
gp-33	154	10	banking	banking	NOUN
gp-33	154	11	services	service	NOUN
gp-33	154	12	and	and	CCONJ
gp-33	154	13	socioeconomic	socioeconomic	ADJ
gp-33	154	14	status	status	NOUN
gp-33	154	15	of	of	ADP
gp-33	154	16	households	household	NOUN
gp-33	154	17	belonging	belong	VERB
gp-33	154	18	to	to	ADP
gp-33	154	19	vulnerable	vulnerable	ADJ
gp-33	154	20	groups	group	NOUN
gp-33	154	21	.	.	PUNCT
gp-33	155	1	therefore	therefore	ADV
gp-33	155	2	,	,	PUNCT
gp-33	155	3	financial	financial	ADJ
gp-33	155	4	inclusion	inclusion	NOUN
gp-33	155	5	of	of	ADP
gp-33	155	6	households	household	NOUN
gp-33	155	7	belonging	belong	VERB
gp-33	155	8	to	to	ADP
gp-33	155	9	vulnerable	vulnerable	ADJ
gp-33	155	10	groups	group	NOUN
gp-33	155	11	.it	.it	PUNCT
gp-33	155	12	can	can	AUX
gp-33	155	13	be	be	AUX
gp-33	155	14	seen	see	VERB
gp-33	155	15	as	as	ADP
gp-33	155	16	an	an	DET
gp-33	155	17	important	important	ADJ
gp-33	155	18	factor	factor	NOUN
gp-33	155	19	in	in	ADP
gp-33	155	20	improving	improve	VERB
gp-33	155	21	the	the	DET
gp-33	155	22	socioeconomic	socioeconomic	ADJ
gp-33	155	23	status	status	NOUN
gp-33	155	24	of	of	ADP
gp-33	155	25	households	household	NOUN
gp-33	155	26	.	.	PUNCT
gp-33	156	1	the	the	DET
gp-33	156	2	positive	positive	ADJ
gp-33	156	3	correlation	correlation	NOUN
gp-33	156	4	between	between	ADP
gp-33	156	5	financial	financial	ADJ
gp-33	156	6	inclusion	inclusion	NOUN
gp-33	156	7	and	and	CCONJ
gp-33	156	8	inclusive	inclusive	ADJ
gp-33	156	9	growth	growth	NOUN
gp-33	156	10	can	can	AUX
gp-33	156	11	be	be	AUX
gp-33	156	12	seen	see	VERB
gp-33	156	13	as	as	ADP
gp-33	156	14	a	a	DET
gp-33	156	15	factor	factor	NOUN
gp-33	156	16	underscoring	underscore	VERB
gp-33	156	17	the	the	DET
gp-33	156	18	role	role	NOUN
gp-33	156	19	of	of	ADP
gp-33	156	20	innovative	innovative	ADJ
gp-33	156	21	,	,	PUNCT
gp-33	156	22	low	low	ADJ
gp-33	156	23	-	-	PUNCT
gp-33	156	24	cost	cost	NOUN
gp-33	156	25	formal	formal	ADJ
gp-33	156	26	banking	banking	NOUN
gp-33	156	27	products	product	NOUN
gp-33	156	28	in	in	ADP
gp-33	156	29	the	the	DET
gp-33	156	30	process	process	NOUN
gp-33	156	31	of	of	ADP
gp-33	156	32	inclusive	inclusive	ADJ
gp-33	156	33	growth	growth	NOUN
gp-33	156	34	.	.	PUNCT
gp-33	157	1	in	in	ADP
gp-33	157	2	addition	addition	NOUN
gp-33	157	3	to	to	ADP
gp-33	157	4	basic	basic	ADJ
gp-33	157	5	banking	banking	NOUN
gp-33	157	6	products	product	NOUN
gp-33	157	7	,	,	PUNCT
gp-33	157	8	households	household	NOUN
gp-33	157	9	belonging	belong	VERB
gp-33	157	10	to	to	ADP
gp-33	157	11	vulnerable	vulnerable	ADJ
gp-33	157	12	groups	group	NOUN
gp-33	157	13	have	have	VERB
gp-33	157	14	access	access	NOUN
gp-33	157	15	to	to	ADP
gp-33	157	16	human	human	ADJ
gp-33	157	17	development	development	NOUN
gp-33	157	18	packages	package	NOUN
gp-33	157	19	,	,	PUNCT
gp-33	157	20	risk	risk	NOUN
gp-33	157	21	reduction	reduction	NOUN
gp-33	157	22	packages	package	NOUN
gp-33	157	23	and	and	CCONJ
gp-33	157	24	productivity	productivity	NOUN
gp-33	157	25	enhancement	enhancement	NOUN
gp-33	157	26	packages	package	NOUN
gp-33	157	27	.	.	PUNCT
gp-33	158	1	this	this	DET
gp-33	158	2	phenomenon	phenomenon	NOUN
gp-33	158	3	demonstrates	demonstrate	VERB
gp-33	158	4	the	the	DET
gp-33	158	5	role	role	NOUN
gp-33	158	6	of	of	ADP
gp-33	158	7	welfare	welfare	NOUN
gp-33	158	8	packages	package	NOUN
gp-33	158	9	in	in	ADP
gp-33	158	10	improving	improve	VERB
gp-33	158	11	the	the	DET
gp-33	158	12	absorptive	absorptive	ADJ
gp-33	158	13	capacity	capacity	NOUN
gp-33	158	14	of	of	ADP
gp-33	158	15	vulnerable	vulnerable	ADJ
gp-33	158	16	people	people	NOUN
gp-33	158	17	,	,	PUNCT
gp-33	158	18	lifting	lift	VERB
gp-33	158	19	them	they	PRON
gp-33	158	20	from	from	ADP
gp-33	158	21	cycles	cycle	NOUN
gp-33	158	22	of	of	ADP
gp-33	158	23	economic	economic	ADJ
gp-33	158	24	exclusion	exclusion	NOUN
gp-33	158	25	and	and	CCONJ
gp-33	158	26	making	make	VERB
gp-33	158	27	them	they	PRON
gp-33	158	28	more	more	ADV
gp-33	158	29	bankable	bankable	ADJ
gp-33	158	30	.	.	PUNCT
gp-33	159	1	one	one	NUM
gp-33	159	2	key	key	ADJ
gp-33	159	3	segment	segment	NOUN
gp-33	159	4	,	,	PUNCT
gp-33	159	5	households	household	NOUN
gp-33	159	6	,	,	PUNCT
gp-33	159	7	would	would	AUX
gp-33	159	8	benefit	benefit	VERB
gp-33	159	9	from	from	ADP
gp-33	159	10	increased	increase	VERB
gp-33	159	11	financial	financial	ADJ
gp-33	159	12	inclusion	inclusion	NOUN
gp-33	159	13	if	if	SCONJ
gp-33	159	14	promoted	promote	VERB
gp-33	159	15	in	in	ADP
gp-33	159	16	the	the	DET
gp-33	159	17	broader	broad	ADJ
gp-33	159	18	context	context	NOUN
gp-33	159	19	of	of	ADP
gp-33	159	20	economic	economic	ADJ
gp-33	159	21	inclusion	inclusion	NOUN
gp-33	159	22	alongside	alongside	ADP
gp-33	159	23	social	social	ADJ
gp-33	159	24	packages	package	NOUN
gp-33	159	25	.	.	PUNCT
gp-33	160	1	rupak	rupak	PROPN
gp-33	160	2	kumar	kumar	PROPN
gp-33	160	3	tung	tung	PROPN
gp-33	160	4	153	153	NUM
gp-33	160	5	formal	formal	ADJ
gp-33	160	6	financial	financial	ADJ
gp-33	160	7	networks	network	NOUN
gp-33	160	8	have	have	VERB
gp-33	160	9	the	the	DET
gp-33	160	10	potential	potential	NOUN
gp-33	160	11	to	to	PART
gp-33	160	12	unlock	unlock	VERB
gp-33	160	13	the	the	DET
gp-33	160	14	creative	creative	ADJ
gp-33	160	15	power	power	NOUN
gp-33	160	16	of	of	ADP
gp-33	160	17	disadvantaged	disadvantaged	ADJ
gp-33	160	18	households	household	NOUN
gp-33	160	19	,	,	PUNCT
gp-33	160	20	driven	drive	VERB
gp-33	160	21	by	by	ADP
gp-33	160	22	increased	increase	VERB
gp-33	160	23	incomes	income	NOUN
gp-33	160	24	and	and	CCONJ
gp-33	160	25	consumption	consumption	NOUN
gp-33	160	26	of	of	ADP
gp-33	160	27	a	a	DET
gp-33	160	28	large	large	ADJ
gp-33	160	29	proportion	proportion	NOUN
gp-33	160	30	of	of	ADP
gp-33	160	31	the	the	DET
gp-33	160	32	population	population	NOUN
gp-33	160	33	belonging	belong	VERB
gp-33	160	34	to	to	ADP
gp-33	160	35	disadvantaged	disadvantaged	ADJ
gp-33	160	36	groups	group	NOUN
gp-33	160	37	.	.	PUNCT
gp-33	161	1	a	a	DET
gp-33	161	2	formal	formal	ADJ
gp-33	161	3	banking	banking	NOUN
gp-33	161	4	system	system	NOUN
gp-33	161	5	can	can	AUX
gp-33	161	6	improve	improve	VERB
gp-33	161	7	the	the	DET
gp-33	161	8	financial	financial	ADJ
gp-33	161	9	condition	condition	NOUN
gp-33	161	10	and	and	CCONJ
gp-33	161	11	living	living	NOUN
gp-33	161	12	standards	standard	NOUN
gp-33	161	13	of	of	ADP
gp-33	161	14	households	household	NOUN
gp-33	161	15	belonging	belong	VERB
gp-33	161	16	to	to	ADP
gp-33	161	17	vulnerable	vulnerable	ADJ
gp-33	161	18	groups	group	NOUN
gp-33	161	19	and	and	CCONJ
gp-33	161	20	generate	generate	VERB
gp-33	161	21	wealth	wealth	NOUN
gp-33	161	22	,	,	PUNCT
gp-33	161	23	income	income	NOUN
gp-33	161	24	and	and	CCONJ
gp-33	161	25	emergency	emergency	NOUN
gp-33	161	26	funds	fund	NOUN
gp-33	161	27	to	to	PART
gp-33	161	28	deal	deal	VERB
gp-33	161	29	with	with	ADP
gp-33	161	30	unforeseen	unforeseen	ADJ
gp-33	161	31	circumstances	circumstance	NOUN
gp-33	161	32	and	and	CCONJ
gp-33	161	33	economic	economic	ADJ
gp-33	161	34	crises	crisis	NOUN
gp-33	161	35	;	;	PUNCT
gp-33	161	36	increase	increase	NOUN
gp-33	161	37	.	.	PUNCT
gp-33	162	1	it	it	PRON
gp-33	162	2	also	also	ADV
gp-33	162	3	benefits	benefit	VERB
gp-33	162	4	from	from	ADP
gp-33	162	5	the	the	DET
gp-33	162	6	non	non	ADJ
gp-33	162	7	-	-	ADJ
gp-33	162	8	leak	leak	ADJ
gp-33	162	9	transfer	transfer	NOUN
gp-33	162	10	of	of	ADP
gp-33	162	11	social	social	ADJ
gp-33	162	12	benefits	benefit	NOUN
gp-33	162	13	to	to	ADP
gp-33	162	14	disadvantaged	disadvantaged	ADJ
gp-33	162	15	segments	segment	NOUN
gp-33	162	16	of	of	ADP
gp-33	162	17	the	the	DET
gp-33	162	18	population	population	NOUN
gp-33	162	19	.	.	PUNCT
gp-33	163	1	financial	financial	ADJ
gp-33	163	2	inclusion	inclusion	NOUN
gp-33	163	3	expands	expand	VERB
gp-33	163	4	banking	banking	NOUN
gp-33	163	5	networks	network	NOUN
gp-33	163	6	with	with	ADP
gp-33	163	7	more	more	ADJ
gp-33	163	8	transactions	transaction	NOUN
gp-33	163	9	,	,	PUNCT
gp-33	163	10	brings	bring	VERB
gp-33	163	11	new	new	ADJ
gp-33	163	12	ways	way	NOUN
gp-33	163	13	of	of	ADP
gp-33	163	14	earning	earn	VERB
gp-33	163	15	a	a	DET
gp-33	163	16	living	living	NOUN
gp-33	163	17	in	in	ADP
gp-33	163	18	society	society	NOUN
gp-33	163	19	,	,	PUNCT
gp-33	163	20	and	and	CCONJ
gp-33	163	21	leads	lead	VERB
gp-33	163	22	to	to	ADP
gp-33	163	23	inclusive	inclusive	ADJ
gp-33	163	24	growth	growth	NOUN
gp-33	163	25	of	of	ADP
gp-33	163	26	the	the	DET
gp-33	163	27	economy	economy	NOUN
gp-33	163	28	.	.	PUNCT
gp-33	164	1	given	give	VERB
gp-33	164	2	the	the	DET
gp-33	164	3	existence	existence	NOUN
gp-33	164	4	of	of	ADP
gp-33	164	5	financial	financial	ADJ
gp-33	164	6	exclusion	exclusion	NOUN
gp-33	164	7	associated	associate	VERB
gp-33	164	8	with	with	ADP
gp-33	164	9	the	the	DET
gp-33	164	10	indian	indian	ADJ
gp-33	164	11	economy	economy	NOUN
gp-33	164	12	,	,	PUNCT
gp-33	164	13	the	the	DET
gp-33	164	14	study	study	NOUN
gp-33	164	15	rationalizes	rationalize	VERB
gp-33	164	16	public	public	ADJ
gp-33	164	17	policies	policy	NOUN
gp-33	164	18	focused	focus	VERB
gp-33	164	19	on	on	ADP
gp-33	164	20	financial	financial	ADJ
gp-33	164	21	inclusion	inclusion	NOUN
gp-33	164	22	.	.	PUNCT
gp-33	165	1	by	by	ADP
gp-33	165	2	confirming	confirm	VERB
gp-33	165	3	the	the	DET
gp-33	165	4	link	link	NOUN
gp-33	165	5	between	between	ADP
gp-33	165	6	financial	financial	ADJ
gp-33	165	7	inclusion	inclusion	NOUN
gp-33	165	8	and	and	CCONJ
gp-33	165	9	its	its	PRON
gp-33	165	10	impact	impact	NOUN
gp-33	165	11	on	on	ADP
gp-33	165	12	positive	positive	ADJ
gp-33	165	13	changes	change	NOUN
gp-33	165	14	in	in	ADP
gp-33	165	15	the	the	DET
gp-33	165	16	socioeconomic	socioeconomic	ADJ
gp-33	165	17	status	status	NOUN
gp-33	165	18	of	of	ADP
gp-33	165	19	households	household	NOUN
gp-33	165	20	in	in	ADP
gp-33	165	21	the	the	DET
gp-33	165	22	sample	sample	NOUN
gp-33	165	23	area	area	NOUN
gp-33	165	24	,	,	PUNCT
gp-33	165	25	the	the	DET
gp-33	165	26	study	study	NOUN
gp-33	165	27	supports	support	VERB
gp-33	165	28	financial	financial	ADJ
gp-33	165	29	sector	sector	NOUN
gp-33	165	30	reforms	reform	NOUN
gp-33	165	31	to	to	PART
gp-33	165	32	promote	promote	VERB
gp-33	165	33	financial	financial	ADJ
gp-33	165	34	inclusion	inclusion	NOUN
gp-33	165	35	.	.	PUNCT
gp-33	166	1	emphasizes	emphasize	VERB
gp-33	166	2	the	the	DET
gp-33	166	3	need	need	NOUN
gp-33	166	4	to	to	PART
gp-33	166	5	centre	centre	VERB
gp-33	166	6	development	development	NOUN
gp-33	166	7	agenda	agenda	NOUN
gp-33	166	8	..	..	PUNCT
gp-33	166	9	.	.	PUNCT
gp-33	167	1	references	reference	NOUN
gp-33	167	2	alemayehu	alemayehu	PROPN
gp-33	167	3	,	,	PUNCT
gp-33	167	4	t.	t.	PROPN
gp-33	167	5	(	(	PUNCT
gp-33	167	6	2014	2014	NUM
gp-33	167	7	)	)	PUNCT
gp-33	167	8	.	.	PUNCT
gp-33	168	1	smallholder	smallholder	PROPN
gp-33	168	2	farmer	farmer	NOUN
gp-33	168	3	’s	’s	PART
gp-33	168	4	willingness	willingness	NOUN
gp-33	168	5	to	to	PART
gp-33	168	6	pay	pay	VERB
gp-33	168	7	for	for	ADP
gp-33	168	8	improved	improved	ADJ
gp-33	168	9	irrigation	irrigation	NOUN
gp-33	168	10	water	water	NOUN
gp-33	168	11	:	:	PUNCT
gp-33	168	12	a	a	DET
gp-33	168	13	contingent	contingent	ADJ
gp-33	168	14	valuation	valuation	NOUN
gp-33	168	15	study	study	NOUN
gp-33	168	16	in	in	ADP
gp-33	168	17	koga	koga	PROPN
gp-33	168	18	irrigation	irrigation	NOUN
gp-33	168	19	project	project	NOUN
gp-33	168	20	,	,	PUNCT
gp-33	168	21	ethiopia	ethiopia	PROPN
gp-33	168	22	.	.	PROPN
gp-33	168	23	journal	journal	PROPN
gp-33	168	24	of	of	ADP
gp-33	168	25	economics	economic	NOUN
gp-33	168	26	and	and	CCONJ
gp-33	168	27	sustainable	sustainable	ADJ
gp-33	168	28	development	development	NOUN
gp-33	168	29	,	,	PUNCT
gp-33	168	30	5(19	5(19	NUM
gp-33	168	31	)	)	PUNCT
gp-33	168	32	,	,	PUNCT
gp-33	168	33	5–15	5–15	PROPN
gp-33	168	34	.	.	PUNCT
gp-33	168	35	ali	ali	PROPN
gp-33	168	36	,	,	PUNCT
gp-33	168	37	i.	i.	PROPN
gp-33	168	38	,	,	PUNCT
gp-33	168	39	&	&	CCONJ
gp-33	168	40	zhuang	zhuang	PROPN
gp-33	168	41	,	,	PUNCT
gp-33	168	42	j.	j.	PROPN
gp-33	168	43	(	(	PUNCT
gp-33	168	44	2007	2007	NUM
gp-33	168	45	)	)	PUNCT
gp-33	168	46	.	.	PUNCT
gp-33	169	1	inclusive	inclusive	ADJ
gp-33	169	2	growth	growth	NOUN
gp-33	169	3	toward	toward	ADP
gp-33	169	4	a	a	DET
gp-33	169	5	prosperous	prosperous	ADJ
gp-33	169	6	asia	asia	NOUN
gp-33	169	7	:	:	PUNCT
gp-33	169	8	policy	policy	NOUN
gp-33	169	9	implications	implication	NOUN
gp-33	169	10	.	.	PUNCT
gp-33	170	1	erd	erd	PROPN
gp-33	170	2	working	working	PROPN
gp-33	170	3	paper	paper	NOUN
gp-33	170	4	series	series	NOUN
gp-33	170	5	.	.	PUNCT
gp-33	171	1	anderson	anderson	PROPN
gp-33	171	2	,	,	PUNCT
gp-33	171	3	l.	l.	PROPN
gp-33	171	4	,	,	PUNCT
gp-33	171	5	ostrom	ostrom	PROPN
gp-33	171	6	,	,	PUNCT
gp-33	171	7	a.	a.	PROPN
gp-33	171	8	l.	l.	PROPN
gp-33	171	9	,	,	PUNCT
gp-33	171	10	corus	corus	PROPN
gp-33	171	11	,	,	PUNCT
gp-33	171	12	c.	c.	PROPN
gp-33	171	13	,	,	PUNCT
gp-33	171	14	fisk	fisk	PROPN
gp-33	171	15	,	,	PUNCT
gp-33	171	16	r.	r.	PROPN
gp-33	171	17	p.	p.	PROPN
gp-33	171	18	,	,	PUNCT
gp-33	171	19	gallan	gallan	NOUN
gp-33	171	20	,	,	PUNCT
gp-33	171	21	a.	a.	PROPN
gp-33	171	22	s.	s.	PROPN
gp-33	171	23	,	,	PUNCT
gp-33	171	24	giraldo	giraldo	PROPN
gp-33	171	25	,	,	PUNCT
gp-33	171	26	m.	m.	NOUN
gp-33	171	27	,	,	PUNCT
gp-33	171	28	mende	mende	PROPN
gp-33	171	29	,	,	PUNCT
gp-33	171	30	m.	m.	NOUN
gp-33	171	31	,	,	PUNCT
gp-33	171	32	mulder	mulder	NOUN
gp-33	171	33	,	,	PUNCT
gp-33	171	34	m.	m.	NOUN
gp-33	171	35	,	,	PUNCT
gp-33	171	36	rayburn	rayburn	PROPN
gp-33	171	37	,	,	PUNCT
gp-33	171	38	s.	s.	PROPN
gp-33	171	39	w.	w.	PROPN
gp-33	171	40	,	,	PUNCT
gp-33	171	41	&	&	CCONJ
gp-33	171	42	rosenbaum	rosenbaum	PROPN
gp-33	171	43	,	,	PUNCT
gp-33	171	44	m.	m.	NOUN
gp-33	171	45	s.	s.	PROPN
gp-33	171	46	(	(	PUNCT
gp-33	171	47	2013	2013	NUM
gp-33	171	48	)	)	PUNCT
gp-33	171	49	.	.	PUNCT
gp-33	172	1	transformative	transformative	ADJ
gp-33	172	2	service	service	NOUN
gp-33	172	3	research	research	NOUN
gp-33	172	4	:	:	PUNCT
gp-33	172	5	an	an	DET
gp-33	172	6	agenda	agenda	NOUN
gp-33	172	7	for	for	ADP
gp-33	172	8	the	the	DET
gp-33	172	9	future	future	NOUN
gp-33	172	10	.	.	PUNCT
gp-33	173	1	journal	journal	PROPN
gp-33	173	2	of	of	ADP
gp-33	173	3	business	business	NOUN
gp-33	173	4	research	research	NOUN
gp-33	173	5	,	,	PUNCT
gp-33	173	6	66(8	66(8	NOUN
gp-33	173	7	)	)	PUNCT
gp-33	173	8	,	,	PUNCT
gp-33	173	9	1203–1210	1203–1210	NUM
gp-33	173	10	.	.	PUNCT
gp-33	174	1	bhoi	bhoi	PROPN
gp-33	174	2	,	,	PUNCT
gp-33	174	3	s.	s.	PROPN
gp-33	174	4	k.	k.	PROPN
gp-33	174	5	,	,	PUNCT
gp-33	174	6	panda	panda	NOUN
gp-33	174	7	,	,	PUNCT
gp-33	174	8	s.	s.	PROPN
gp-33	174	9	k.	k.	PROPN
gp-33	174	10	,	,	PUNCT
gp-33	174	11	jena	jena	PROPN
gp-33	174	12	,	,	PUNCT
gp-33	174	13	k.	k.	PROPN
gp-33	174	14	k.	k.	PROPN
gp-33	174	15	,	,	PUNCT
gp-33	174	16	sahoo	sahoo	PROPN
gp-33	174	17	,	,	PUNCT
gp-33	174	18	k.	k.	PROPN
gp-33	174	19	s.	s.	PROPN
gp-33	174	20	,	,	PUNCT
gp-33	174	21	jhanjhi	jhanjhi	PROPN
gp-33	174	22	,	,	PUNCT
gp-33	174	23	n.	n.	PROPN
gp-33	174	24	z.	z.	PROPN
gp-33	174	25	,	,	PUNCT
gp-33	174	26	masud	masud	PROPN
gp-33	174	27	,	,	PUNCT
gp-33	174	28	m.	m.	NOUN
gp-33	174	29	,	,	PUNCT
gp-33	174	30	&	&	CCONJ
gp-33	174	31	aljahdali	aljahdali	PROPN
gp-33	174	32	,	,	PUNCT
gp-33	174	33	s.	s.	PROPN
gp-33	174	34	(	(	PUNCT
gp-33	174	35	2022	2022	NUM
gp-33	174	36	)	)	PUNCT
gp-33	174	37	.	.	PUNCT
gp-33	175	1	iot	iot	PROPN
gp-33	175	2	-	-	PUNCT
gp-33	175	3	ems	ems	PROPN
gp-33	175	4	:	:	PUNCT
gp-33	175	5	an	an	DET
gp-33	175	6	internet	internet	NOUN
gp-33	175	7	of	of	ADP
gp-33	175	8	things	thing	NOUN
gp-33	175	9	based	base	VERB
gp-33	175	10	environment	environment	NOUN
gp-33	175	11	monitoring	monitor	VERB
gp-33	175	12	system	system	NOUN
gp-33	175	13	in	in	ADP
gp-33	175	14	volunteer	volunteer	NOUN
gp-33	175	15	computing	computing	NOUN
gp-33	175	16	environment	environment	NOUN
gp-33	175	17	.	.	PUNCT
gp-33	176	1	intelligent	intelligent	ADJ
gp-33	176	2	automation	automation	NOUN
gp-33	176	3	&	&	CCONJ
gp-33	176	4	soft	soft	ADJ
gp-33	176	5	computing	computing	NOUN
gp-33	176	6	,	,	PUNCT
gp-33	176	7	32(3	32(3	NUM
gp-33	176	8	)	)	PUNCT
gp-33	176	9	.	.	PUNCT
gp-33	177	1	demirgüç	demirgüç	PROPN
gp-33	177	2	-	-	PUNCT
gp-33	177	3	kunt	kunt	PROPN
gp-33	177	4	,	,	PUNCT
gp-33	177	5	a.	a.	PROPN
gp-33	177	6	,	,	PUNCT
gp-33	177	7	&	&	CCONJ
gp-33	177	8	singer	singer	PROPN
gp-33	177	9	,	,	PUNCT
gp-33	177	10	d.	d.	PROPN
gp-33	177	11	(	(	PUNCT
gp-33	177	12	2017	2017	NUM
gp-33	177	13	)	)	PUNCT
gp-33	177	14	.	.	PUNCT
gp-33	178	1	financial	financial	ADJ
gp-33	178	2	inclusion	inclusion	NOUN
gp-33	178	3	and	and	CCONJ
gp-33	178	4	inclusive	inclusive	ADJ
gp-33	178	5	growth	growth	NOUN
gp-33	178	6	:	:	PUNCT
gp-33	178	7	a	a	DET
gp-33	178	8	review	review	NOUN
gp-33	178	9	of	of	ADP
gp-33	178	10	recent	recent	ADJ
gp-33	178	11	empirical	empirical	ADJ
gp-33	178	12	evidence	evidence	NOUN
gp-33	178	13	.	.	PUNCT
gp-33	179	1	world	world	NOUN
gp-33	179	2	bank	bank	PROPN
gp-33	179	3	policy	policy	NOUN
gp-33	179	4	research	research	NOUN
gp-33	179	5	working	working	NOUN
gp-33	179	6	paper	paper	NOUN
gp-33	179	7	,	,	PUNCT
gp-33	179	8	8040	8040	NUM
gp-33	179	9	.	.	PUNCT
gp-33	180	1	dixit	dixit	PROPN
gp-33	180	2	,	,	PUNCT
gp-33	180	3	r.	r.	PROPN
gp-33	180	4	,	,	PUNCT
gp-33	180	5	&	&	CCONJ
gp-33	180	6	ghosh	ghosh	PROPN
gp-33	180	7	,	,	PUNCT
gp-33	180	8	m.	m.	NOUN
gp-33	180	9	(	(	PUNCT
gp-33	180	10	2013	2013	NUM
gp-33	180	11	)	)	PUNCT
gp-33	180	12	.	.	PUNCT
gp-33	181	1	financial	financial	ADJ
gp-33	181	2	inclusion	inclusion	NOUN
gp-33	181	3	for	for	ADP
gp-33	181	4	inclusive	inclusive	ADJ
gp-33	181	5	growth	growth	NOUN
gp-33	181	6	of	of	ADP
gp-33	181	7	india	india	PROPN
gp-33	181	8	-	-	PUNCT
gp-33	181	9	a	a	DET
gp-33	181	10	study	study	NOUN
gp-33	181	11	of	of	ADP
gp-33	181	12	indian	indian	ADJ
gp-33	181	13	states	state	NOUN
gp-33	181	14	.	.	PUNCT
gp-33	182	1	international	international	ADJ
gp-33	182	2	journal	journal	PROPN
gp-33	182	3	of	of	ADP
gp-33	182	4	business	business	PROPN
gp-33	182	5	management	management	PROPN
gp-33	182	6	&	&	CCONJ
gp-33	182	7	research	research	PROPN
gp-33	182	8	,	,	PUNCT
gp-33	182	9	3(1	3(1	NUM
gp-33	182	10	)	)	PUNCT
gp-33	182	11	,	,	PUNCT
gp-33	182	12	147–156	147–156	NUM
gp-33	182	13	.	.	PUNCT
gp-33	182	14	domínguez	domínguez	NOUN
gp-33	182	15	-	-	PUNCT
gp-33	182	16	almendros	almendros	PROPN
gp-33	182	17	,	,	PUNCT
gp-33	182	18	s.	s.	PROPN
gp-33	182	19	,	,	PUNCT
gp-33	182	20	benítez	benítez	NOUN
gp-33	182	21	-	-	PUNCT
gp-33	182	22	parejo	parejo	NOUN
gp-33	182	23	,	,	PUNCT
gp-33	182	24	n.	n.	NOUN
gp-33	182	25	,	,	PUNCT
gp-33	182	26	&	&	CCONJ
gp-33	182	27	gonzalez	gonzalez	PROPN
gp-33	182	28	-	-	PUNCT
gp-33	182	29	ramirez	ramirez	PROPN
gp-33	182	30	,	,	PUNCT
gp-33	182	31	a.	a.	PROPN
gp-33	182	32	r.	r.	PROPN
gp-33	182	33	(	(	PUNCT
gp-33	182	34	2011	2011	NUM
gp-33	182	35	)	)	PUNCT
gp-33	182	36	.	.	PUNCT
gp-33	183	1	logistic	logistic	ADJ
gp-33	183	2	regression	regression	NOUN
gp-33	183	3	models	model	NOUN
gp-33	183	4	.	.	PUNCT
gp-33	184	1	allergologia	allergologia	PROPN
gp-33	184	2	et	et	PROPN
gp-33	184	3	immunopathologia	immunopathologia	PROPN
gp-33	184	4	,	,	PUNCT
gp-33	184	5	39(5	39(5	NUM
gp-33	184	6	)	)	PUNCT
gp-33	184	7	,	,	PUNCT
gp-33	184	8	295–305	295–305	NUM
gp-33	184	9	.	.	PUNCT
gp-33	185	1	hoffmann	hoffmann	PROPN
gp-33	185	2	,	,	PUNCT
gp-33	185	3	v.	v.	PROPN
gp-33	185	4	,	,	PUNCT
gp-33	185	5	rao	rao	PROPN
gp-33	185	6	,	,	PUNCT
gp-33	185	7	v.	v.	PROPN
gp-33	185	8	,	,	PUNCT
gp-33	185	9	surendra	surendra	PROPN
gp-33	185	10	,	,	PUNCT
gp-33	185	11	v.	v.	PROPN
gp-33	185	12	,	,	PUNCT
gp-33	185	13	&	&	CCONJ
gp-33	185	14	datta	datta	PROPN
gp-33	185	15	,	,	PUNCT
gp-33	185	16	u.	u.	PROPN
gp-33	185	17	(	(	PUNCT
gp-33	185	18	2021	2021	NUM
gp-33	185	19	)	)	PUNCT
gp-33	185	20	.	.	PUNCT
gp-33	186	1	relief	relief	NOUN
gp-33	186	2	from	from	ADP
gp-33	186	3	usury	usury	NOUN
gp-33	186	4	:	:	PUNCT
gp-33	186	5	impact	impact	NOUN
gp-33	186	6	of	of	ADP
gp-33	186	7	a	a	DET
gp-33	186	8	self	self	NOUN
gp-33	186	9	-	-	PUNCT
gp-33	186	10	help	help	NOUN
gp-33	186	11	group	group	NOUN
gp-33	186	12	lending	lending	NOUN
gp-33	186	13	program	program	NOUN
gp-33	186	14	in	in	ADP
gp-33	186	15	rural	rural	ADJ
gp-33	186	16	india	india	PROPN
gp-33	186	17	.	.	PUNCT
gp-33	187	1	journal	journal	PROPN
gp-33	187	2	of	of	ADP
gp-33	187	3	development	development	NOUN
gp-33	187	4	economics	economic	NOUN
gp-33	187	5	,	,	PUNCT
gp-33	187	6	148	148	NUM
gp-33	187	7	,	,	PUNCT
gp-33	187	8	102567	102567	NUM
gp-33	187	9	.	.	PUNCT
gp-33	188	1	hussain	hussain	PROPN
gp-33	188	2	,	,	PUNCT
gp-33	188	3	m.	m.	NOUN
gp-33	188	4	d.	d.	PROPN
gp-33	188	5	,	,	PUNCT
gp-33	188	6	bhuiyan	bhuiyan	PROPN
gp-33	188	7	,	,	PUNCT
gp-33	188	8	a.	a.	PROPN
gp-33	188	9	b.	b.	PROPN
gp-33	188	10	,	,	PUNCT
gp-33	188	11	&	&	CCONJ
gp-33	188	12	bakar	bakar	PROPN
gp-33	188	13	,	,	PUNCT
gp-33	188	14	r.	r.	PROPN
gp-33	188	15	(	(	PUNCT
gp-33	188	16	2014	2014	NUM
gp-33	188	17	)	)	PUNCT
gp-33	188	18	.	.	PUNCT
gp-33	189	1	entrepreneurship	entrepreneurship	NOUN
gp-33	189	2	development	development	NOUN
gp-33	189	3	and	and	CCONJ
gp-33	189	4	poverty	poverty	NOUN
gp-33	189	5	alleviation	alleviation	NOUN
gp-33	189	6	:	:	PUNCT
gp-33	189	7	an	an	DET
gp-33	189	8	empirical	empirical	ADJ
gp-33	189	9	review	review	NOUN
gp-33	189	10	.	.	PUNCT
gp-33	190	1	journal	journal	NOUN
gp-33	190	2	of	of	ADP
gp-33	190	3	asian	asian	ADJ
gp-33	190	4	scientific	scientific	ADJ
gp-33	190	5	research	research	NOUN
gp-33	190	6	,	,	PUNCT
gp-33	190	7	4(10	4(10	NUM
gp-33	190	8	)	)	PUNCT
gp-33	190	9	,	,	PUNCT
gp-33	190	10	558–573	558–573	NUM
gp-33	190	11	.	.	PUNCT
gp-33	191	1	kostovetsky	kostovetsky	PROPN
gp-33	191	2	,	,	PUNCT
gp-33	191	3	l.	l.	PROPN
gp-33	191	4	(	(	PUNCT
gp-33	191	5	2015	2015	NUM
gp-33	191	6	)	)	PUNCT
gp-33	191	7	.	.	PUNCT
gp-33	192	1	political	political	ADJ
gp-33	192	2	capital	capital	NOUN
gp-33	192	3	and	and	CCONJ
gp-33	192	4	moral	moral	ADJ
gp-33	192	5	hazard	hazard	NOUN
gp-33	192	6	.	.	PUNCT
gp-33	193	1	journal	journal	NOUN
gp-33	193	2	of	of	ADP
gp-33	193	3	financial	financial	ADJ
gp-33	193	4	economics	economic	NOUN
gp-33	193	5	,	,	PUNCT
gp-33	193	6	116(1	116(1	NUM
gp-33	193	7	)	)	PUNCT
gp-33	193	8	,	,	PUNCT
gp-33	193	9	144–159	144–159	NUM
gp-33	193	10	.	.	PUNCT
gp-33	194	1	onta	onta	PROPN
gp-33	194	2	-	-	PUNCT
gp-33	194	3	bhatta	bhatta	PROPN
gp-33	194	4	,	,	PUNCT
gp-33	194	5	l.	l.	PROPN
gp-33	194	6	(	(	PUNCT
gp-33	194	7	2000	2000	NUM
gp-33	194	8	)	)	PUNCT
gp-33	194	9	.	.	PUNCT
gp-33	195	1	street	street	PROPN
gp-33	195	2	children	child	NOUN
gp-33	195	3	’s	’s	PART
gp-33	195	4	subcultures	subculture	NOUN
gp-33	195	5	and	and	CCONJ
gp-33	195	6	cultural	cultural	ADJ
gp-33	195	7	politics	politic	NOUN
gp-33	195	8	of	of	ADP
gp-33	195	9	childhood	childhood	PROPN
gp-33	195	10	american	american	PROPN
gp-33	195	11	journal	journal	PROPN
gp-33	195	12	of	of	ADP
gp-33	195	13	economic	economic	ADJ
gp-33	195	14	and	and	CCONJ
gp-33	195	15	management	management	NOUN
gp-33	195	16	business	business	NOUN
gp-33	195	17	vol	vol	NOUN
gp-33	195	18	.	.	PROPN
gp-33	195	19	2	2	NUM
gp-33	195	20	no	no	NOUN
gp-33	195	21	.	.	NOUN
gp-33	195	22	4	4	NUM
gp-33	195	23	april	april	PROPN
gp-33	195	24	2023	2023	NUM
gp-33	195	25	154	154	NUM
gp-33	195	26	in	in	ADP
gp-33	195	27	nepal	nepal	ADJ
gp-33	195	28	.	.	PUNCT
gp-33	196	1	cornell	cornell	PROPN
gp-33	196	2	university	university	PROPN
gp-33	196	3	.	.	PUNCT
gp-33	197	1	singh	singh	PROPN
gp-33	197	2	,	,	PUNCT
gp-33	197	3	a.	a.	NOUN
gp-33	197	4	,	,	PUNCT
gp-33	197	5	click	click	VERB
gp-33	197	6	,	,	PUNCT
gp-33	197	7	k.	k.	PROPN
gp-33	197	8	,	,	PUNCT
gp-33	197	9	parizi	parizi	PROPN
gp-33	197	10	,	,	PUNCT
gp-33	197	11	r.	r.	PROPN
gp-33	197	12	m.	m.	PROPN
gp-33	197	13	,	,	PUNCT
gp-33	197	14	zhang	zhang	PROPN
gp-33	197	15	,	,	PUNCT
gp-33	197	16	q.	q.	PROPN
gp-33	197	17	,	,	PUNCT
gp-33	197	18	dehghantanha	dehghantanha	NOUN
gp-33	197	19	,	,	PUNCT
gp-33	197	20	a.	a.	NOUN
gp-33	197	21	,	,	PUNCT
gp-33	197	22	&	&	CCONJ
gp-33	197	23	choo	choo	PROPN
gp-33	197	24	,	,	PUNCT
gp-33	197	25	k.-k	k.-k	PROPN
gp-33	197	26	.	.	PUNCT
gp-33	198	1	r.	r.	PROPN
gp-33	198	2	(	(	PUNCT
gp-33	198	3	2020	2020	NUM
gp-33	198	4	)	)	PUNCT
gp-33	198	5	.	.	PUNCT
gp-33	199	1	sidechain	sidechain	NOUN
gp-33	199	2	technologies	technology	NOUN
gp-33	199	3	in	in	ADP
gp-33	199	4	blockchain	blockchain	PROPN
gp-33	199	5	networks	network	NOUN
gp-33	199	6	:	:	PUNCT
gp-33	199	7	an	an	DET
gp-33	199	8	examination	examination	NOUN
gp-33	199	9	and	and	CCONJ
gp-33	199	10	stateof	stateof	ADJ
gp-33	199	11	-	-	PUNCT
gp-33	199	12	the	the	DET
gp-33	199	13	-	-	PUNCT
gp-33	199	14	art	art	NOUN
gp-33	199	15	review	review	NOUN
gp-33	199	16	.	.	PUNCT
gp-33	200	1	journal	journal	PROPN
gp-33	200	2	of	of	ADP
gp-33	200	3	network	network	NOUN
gp-33	200	4	and	and	CCONJ
gp-33	200	5	computer	computer	NOUN
gp-33	200	6	applications	application	NOUN
gp-33	200	7	,	,	PUNCT
gp-33	200	8	149	149	NUM
gp-33	200	9	,	,	PUNCT
gp-33	200	10	102471	102471	NUM
gp-33	200	11	.	.	PUNCT
gp-33	201	1	singh	singh	PROPN
gp-33	201	2	,	,	PUNCT
gp-33	201	3	a.	a.	PROPN
gp-33	201	4	s.	s.	PROPN
gp-33	201	5	,	,	PUNCT
gp-33	201	6	&	&	CCONJ
gp-33	201	7	masuku	masuku	PROPN
gp-33	201	8	,	,	PUNCT
gp-33	201	9	m.	m.	PROPN
gp-33	201	10	b.	b.	PROPN
gp-33	201	11	(	(	PUNCT
gp-33	201	12	2014	2014	NUM
gp-33	201	13	)	)	PUNCT
gp-33	201	14	.	.	PUNCT
gp-33	202	1	sampling	sample	VERB
gp-33	202	2	techniques	technique	NOUN
gp-33	202	3	&	&	CCONJ
gp-33	202	4	determination	determination	NOUN
gp-33	202	5	of	of	ADP
gp-33	202	6	sample	sample	NOUN
gp-33	202	7	size	size	NOUN
gp-33	202	8	in	in	ADP
gp-33	202	9	applied	apply	VERB
gp-33	202	10	statistics	statistic	NOUN
gp-33	202	11	research	research	NOUN
gp-33	202	12	:	:	PUNCT
gp-33	202	13	an	an	DET
gp-33	202	14	overview	overview	NOUN
gp-33	202	15	.	.	PUNCT
gp-33	203	1	international	international	ADJ
gp-33	203	2	journal	journal	PROPN
gp-33	203	3	of	of	ADP
gp-33	203	4	economics	economic	NOUN
gp-33	203	5	,	,	PUNCT
gp-33	203	6	commerce	commerce	NOUN
gp-33	203	7	and	and	CCONJ
gp-33	203	8	management	management	NOUN
gp-33	203	9	,	,	PUNCT
gp-33	203	10	2(11	2(11	NUM
gp-33	203	11	)	)	PUNCT
gp-33	203	12	,	,	PUNCT
gp-33	203	13	1–22	1–22	PROPN
gp-33	203	14	.	.	PUNCT
gp-33	203	15	tung	tung	PROPN
gp-33	203	16	,	,	PUNCT
gp-33	203	17	r.	r.	PROPN
gp-33	203	18	k.	k.	PROPN
gp-33	203	19	(	(	PUNCT
gp-33	203	20	2023	2023	NUM
gp-33	203	21	)	)	PUNCT
gp-33	203	22	.	.	PUNCT
gp-33	204	1	challenges	challenge	NOUN
gp-33	204	2	for	for	ADP
gp-33	204	3	financial	financial	ADJ
gp-33	204	4	inclusion	inclusion	NOUN
gp-33	204	5	in	in	ADP
gp-33	204	6	rural	rural	ADJ
gp-33	204	7	areas	area	NOUN
gp-33	204	8	of	of	ADP
gp-33	204	9	odisha	odisha	PROPN
gp-33	204	10	.	.	PUNCT
gp-33	205	1	copyright	copyright	NOUN
gp-33	205	2	holders	holder	NOUN
gp-33	205	3	:	:	PUNCT
gp-33	205	4	rupak	rupak	PROPN
gp-33	205	5	kumar	kumar	PROPN
gp-33	205	6	tung	tung	PROPN
gp-33	205	7	(	(	PUNCT
gp-33	205	8	2023	2023	NUM
gp-33	205	9	)	)	PUNCT
gp-33	205	10	first	first	ADJ
gp-33	205	11	publication	publication	NOUN
gp-33	205	12	right	right	NOUN
gp-33	205	13	:	:	PUNCT
gp-33	205	14	ajemb	ajemb	PROPN
gp-33	205	15	–	–	PUNCT
gp-33	205	16	american	american	ADJ
gp-33	205	17	journal	journal	PROPN
gp-33	205	18	of	of	ADP
gp-33	205	19	economic	economic	ADJ
gp-33	205	20	and	and	CCONJ
gp-33	205	21	management	management	NOUN
gp-33	205	22	business	business	NOUN