id	sid	eid	entity	type
ajfti-4584	1	1	1	CARDINAL
ajfti-4584	1	2	15 5	CARDINAL
ajfti-4584	1	3	american journal of financial technology	ORG
ajfti-4584	1	4	abeokuta metropolis kamilu a. saka1*	ORG
ajfti-4584	1	5	raji2	PERSON
ajfti-4584	1	6	3	CARDINAL
ajfti-4584	1	7	1, year 2025	DATE
ajfti-4584	1	8	2996-0975	DATE
ajfti-4584	1	9	https://doi.org/10.54536/ajfti.v3i1.4584 https://journals.e-palli.com/home/index.php/ajfti article	ORG
ajfti-4584	1	10	february 12, 2025	DATE
ajfti-4584	1	11	march 19, 2025	DATE
ajfti-4584	1	12	october 25, 2025	DATE
ajfti-4584	1	13	two	CARDINAL
ajfti-4584	2	1	384	CARDINAL
ajfti-4584	5	1	one percent	PERCENT
ajfti-4584	5	2	1.13 percent	PERCENT
ajfti-4584	5	3	1.76 percent	PERCENT
ajfti-4584	5	4	two	CARDINAL
ajfti-4584	5	5	5% and 10%	PERCENT
ajfti-4584	9	1	world bank	ORG
ajfti-4584	9	2	african development bank	ORG
ajfti-4584	11	1	bricknell & kertay	ORG
ajfti-4584	11	2	2024	DATE
ajfti-4584	11	3	nizam et al.	PERSON
ajfti-4584	11	4	2020	DATE
ajfti-4584	11	5	chauvet & jacolin	ORG
ajfti-4584	11	6	2017	DATE
ajfti-4584	12	1	2020	DATE
ajfti-4584	12	2	park & mercado	ORG
ajfti-4584	12	3	2018b	DATE
ajfti-4584	12	4	omar & inaba	ORG
ajfti-4584	12	5	2020	DATE
ajfti-4584	13	1	bricknell & kertay	ORG
ajfti-4584	13	2	2024	CARDINAL
ajfti-4584	13	3	2021	CARDINAL
ajfti-4584	13	4	african development bank	ORG
ajfti-4584	13	5	2019	DATE
ajfti-4584	13	6	chandio & jiang	ORG
ajfti-4584	13	7	2018	DATE
ajfti-4584	13	8	2020	DATE
ajfti-4584	13	9	osabohien et al.	PERSON
ajfti-4584	13	10	2020c	DATE
ajfti-4584	13	11	mayorga et al.	PERSON
ajfti-4584	13	12	2024	DATE
ajfti-4584	13	13	world bank	ORG
ajfti-4584	13	14	2020	DATE
ajfti-4584	15	1	nigeria	GPE
ajfti-4584	15	2	2021	CARDINAL
ajfti-4584	15	3	2020	DATE
ajfti-4584	15	4	ogidi & pam	ORG
ajfti-4584	15	5	2021	DATE
ajfti-4584	15	6	2020	DATE
ajfti-4584	16	1	africa	LOC
ajfti-4584	16	2	triki & faye	ORG
ajfti-4584	16	3	2013	DATE
ajfti-4584	17	1	nigeria	GPE
ajfti-4584	17	2	2021	CARDINAL
ajfti-4584	17	3	2020	DATE
ajfti-4584	17	4	ogidi & pam	ORG
ajfti-4584	17	5	2021	CARDINAL
ajfti-4584	17	6	2021	CARDINAL
ajfti-4584	17	7	al.	GPE
ajfti-4584	17	8	2020	DATE
ajfti-4584	19	1	anga et al	ORG
ajfti-4584	20	1	2021	CARDINAL
ajfti-4584	21	1	2020	DATE
ajfti-4584	23	1	2021	CARDINAL
ajfti-4584	24	1	2020	DATE
ajfti-4584	25	1	2017	DATE
ajfti-4584	26	1	2020	DATE
ajfti-4584	26	2	1	CARDINAL
ajfti-4584	26	3	polytechnic	GPE
ajfti-4584	26	4	ilaro	GPE
ajfti-4584	26	5	nigeria 2 department of business administration	ORG
ajfti-4584	26	6	polytechnic	GPE
ajfti-4584	26	7	ilaro	GPE
ajfti-4584	26	8	nigeria	GPE
ajfti-4584	26	9	15	CARDINAL
ajfti-4584	27	1	j. financ	PERSON
ajfti-4584	28	1	technol	PERSON
ajfti-4584	28	2	innov	GPE
ajfti-4584	29	1	3(1	CARDINAL
ajfti-4584	29	2	155	CARDINAL
ajfti-4584	29	3	2025	CARDINAL
ajfti-4584	30	1	microfirm	DATE
ajfti-4584	32	1	abeokuta	GPE
ajfti-4584	32	2	ogun state	GPE
ajfti-4584	32	3	nigeria	GPE
ajfti-4584	33	1	first	ORDINAL
ajfti-4584	34	1	second	ORDINAL
ajfti-4584	35	1	three	CARDINAL
ajfti-4584	36	1	four	CARDINAL
ajfti-4584	37	1	section five	LAW
ajfti-4584	40	1	triki & faye	ORG
ajfti-4584	40	2	2013	DATE
ajfti-4584	43	1	more than five	CARDINAL
ajfti-4584	43	2	5	CARDINAL
ajfti-4584	44	1	the world bank	ORG
ajfti-4584	44	2	2014	DATE
ajfti-4584	45	1	nigeria	GPE
ajfti-4584	46	1	central bank of nigeria	ORG
ajfti-4584	46	2	2012	DATE
ajfti-4584	46	3	220 billion	MONEY
ajfti-4584	46	4	5-year	DATE
ajfti-4584	46	5	2016	CARDINAL
ajfti-4584	46	6	2020	DATE
ajfti-4584	46	7	2014	DATE
ajfti-4584	46	8	millions	CARDINAL
ajfti-4584	46	9	nigerians	NORP
ajfti-4584	49	1	amidzic	NORP
ajfti-4584	49	2	al.	GPE
ajfti-4584	49	3	2014	DATE
ajfti-4584	49	4	camara & tuesta	ORG
ajfti-4584	49	5	2014	DATE
ajfti-4584	49	6	sarma, 2008	ORG
ajfti-4584	49	7	sarma	PERSON
ajfti-4584	49	8	2010	DATE
ajfti-4584	49	9	sarma	PERSON
ajfti-4584	49	10	2012	DATE
ajfti-4584	49	11	sarma & pais	ORG
ajfti-4584	49	12	2011	DATE
ajfti-4584	49	13	omar & inaba	ORG
ajfti-4584	49	14	2020	DATE
ajfti-4584	49	15	brazil	GPE
ajfti-4584	49	16	banco central	ORG
ajfti-4584	49	17	brasil	GPE
ajfti-4584	49	18	2011	DATE
ajfti-4584	49	19	2024	CARDINAL
ajfti-4584	49	20	mayorga et al.	PERSON
ajfti-4584	49	21	2024	DATE
ajfti-4584	50	1	sarma	PERSON
ajfti-4584	50	2	2012	DATE
ajfti-4584	51	1	sarma	PERSON
ajfti-4584	51	2	three	CARDINAL
ajfti-4584	53	1	cfi	ORG
ajfti-4584	53	2	three	CARDINAL
ajfti-4584	56	1	slh	ORG
ajfti-4584	56	2	1911	DATE
ajfti-4584	56	3	mckinnon	PRODUCT
ajfti-4584	56	4	1973	DATE
ajfti-4584	56	5	shaw	PERSON
ajfti-4584	56	6	1973	DATE
ajfti-4584	61	1	nigeria	GPE
ajfti-4584	63	1	latin america	LOC
ajfti-4584	63	2	mayorga et al	PERSON
ajfti-4584	64	1	2024	CARDINAL
ajfti-4584	64	2	21,825	CARDINAL
ajfti-4584	64	3	columbian	NORP
ajfti-4584	65	1	columbia	GPE
ajfti-4584	66	1	the middle east	LOC
ajfti-4584	66	2	iqbal	PERSON
ajfti-4584	66	3	2023	CARDINAL
ajfti-4584	66	4	chinese	NORP
ajfti-4584	66	5	chinese	NORP
ajfti-4584	67	1	15 7	DATE
ajfti-4584	68	1	j. financ	PERSON
ajfti-4584	69	1	technol	PERSON
ajfti-4584	69	2	innov	GPE
ajfti-4584	70	1	3(1	CARDINAL
ajfti-4584	70	2	155	CARDINAL
ajfti-4584	70	3	2025	CARDINAL
ajfti-4584	70	4	china	GPE
ajfti-4584	71	1	africa	LOC
ajfti-4584	71	2	2024	CARDINAL
ajfti-4584	71	3	south africa	GPE
ajfti-4584	73	1	2023	CARDINAL
ajfti-4584	73	2	annual	DATE
ajfti-4584	74	1	nigerian	NORP
ajfti-4584	74	2	anga et al	PERSON
ajfti-4584	75	1	2021	CARDINAL
ajfti-4584	75	2	ecm	ORG
ajfti-4584	76	1	nigeria	GPE
ajfti-4584	78	1	2020	DATE
ajfti-4584	78	2	secondary	ORDINAL
ajfti-4584	78	3	ecm	ORG
ajfti-4584	78	4	nigeria	GPE
ajfti-4584	78	5	nigeria	GPE
ajfti-4584	79	1	mayorga et al	PERSON
ajfti-4584	80	1	2024	CARDINAL
ajfti-4584	80	2	nigeria	GPE
ajfti-4584	82	1	nigerian	NORP
ajfti-4584	83	1	anga et al	ORG
ajfti-4584	84	1	2021	CARDINAL
ajfti-4584	85	1	2020	DATE
ajfti-4584	87	1	2021	CARDINAL
ajfti-4584	88	1	2020	DATE
ajfti-4584	90	1	2017	CARDINAL
ajfti-4584	90	2	2012	DATE
ajfti-4584	90	3	2011	DATE
ajfti-4584	90	4	three-year	DATE
ajfti-4584	91	1	nigeria	GPE
ajfti-4584	94	1	abeokuta metropolis	ORG
ajfti-4584	95	1	abeokuta	GPE
ajfti-4584	95	2	ogun state	GPE
ajfti-4584	95	3	nigeria	GPE
ajfti-4584	98	1	between 1 naira and 5 million naira	MONEY
ajfti-4584	98	2	cac	ORG
ajfti-4584	101	1	morgan	PERSON
ajfti-4584	101	2	1970	DATE
ajfti-4584	102	1	384	CARDINAL
ajfti-4584	104	1	fifth	ORDINAL
ajfti-4584	107	1	emgn=	ORG
ajfti-4584	107	2	three years ago	DATE
ajfti-4584	107	3	2021	CARDINAL
ajfti-4584	107	4	the current year	DATE
ajfti-4584	107	5	2024	CARDINAL
ajfti-4584	108	1	three	CARDINAL
ajfti-4584	108	2	2	CARDINAL
ajfti-4584	108	3	3	CARDINAL
ajfti-4584	108	4	acc=	ORG
ajfti-4584	108	5	three	CARDINAL
ajfti-4584	109	1	3	CARDINAL
ajfti-4584	109	2	15 8 https://journals.e-palli.com/home/index.php/ajfti am	TIME
ajfti-4584	110	1	j. financ	PERSON
ajfti-4584	111	1	technol	PERSON
ajfti-4584	111	2	innov	GPE
ajfti-4584	112	1	3(1	CARDINAL
ajfti-4584	112	2	155	CARDINAL
ajfti-4584	112	3	2025	DATE
ajfti-4584	112	4	3	CARDINAL
ajfti-4584	113	1	3	CARDINAL
ajfti-4584	113	2	3	CARDINAL
ajfti-4584	114	1	4	CARDINAL
ajfti-4584	115	1	4	CARDINAL
ajfti-4584	115	2	two	CARDINAL
ajfti-4584	116	1	first	ORDINAL
ajfti-4584	117	1	second	ORDINAL
ajfti-4584	118	1	two	CARDINAL
ajfti-4584	118	2	4	CARDINAL
ajfti-4584	119	1	first	ORDINAL
ajfti-4584	119	2	4	CARDINAL
ajfti-4584	120	1	5	CARDINAL
ajfti-4584	120	2	6	CARDINAL
ajfti-4584	121	1	5	CARDINAL
ajfti-4584	122	1	5	CARDINAL
ajfti-4584	122	2	6	CARDINAL
ajfti-4584	122	3	acc	ORG
ajfti-4584	122	4	avl	ORG
ajfti-4584	122	5	avl	ORG
ajfti-4584	122	6	acc	ORG
ajfti-4584	122	7	avl	ORG
ajfti-4584	123	1	second	ORDINAL
ajfti-4584	123	2	acc	ORG
ajfti-4584	123	3	avl	ORG
ajfti-4584	123	4	3	CARDINAL
ajfti-4584	123	5	avl	ORG
ajfti-4584	123	6	8	CARDINAL
ajfti-4584	124	1	emgi = α	PERSON
ajfti-4584	126	1	3	CARDINAL
ajfti-4584	126	2	8	CARDINAL
ajfti-4584	127	1	1978	DATE
ajfti-4584	128	1	three	CARDINAL
ajfti-4584	128	2	1%	PERCENT
ajfti-4584	128	3	5% and 10%	PERCENT
ajfti-4584	128	4	ρ	GPE
ajfti-4584	130	1	1	CARDINAL
ajfti-4584	130	2	two	CARDINAL
ajfti-4584	131	1	1	CARDINAL
ajfti-4584	131	2	two	CARDINAL
ajfti-4584	131	3	emg	PERSON
ajfti-4584	131	4	second	ORDINAL
ajfti-4584	131	5	avl dv:	PERSON
ajfti-4584	131	6	emg acc	PERSON
ajfti-4584	131	7	0.17	CARDINAL
ajfti-4584	131	8	0.08	CARDINAL
ajfti-4584	131	9	0.04	CARDINAL
ajfti-4584	131	10	avl	ORG
ajfti-4584	131	11	0.12	CARDINAL
ajfti-4584	131	12	0.08	CARDINAL
ajfti-4584	131	13	2	CARDINAL
ajfti-4584	131	14	0.20	CARDINAL
ajfti-4584	131	15	0.91	CARDINAL
ajfti-4584	131	16	0.11	CARDINAL
ajfti-4584	131	17	0.81	CARDINAL
ajfti-4584	131	18	0.08	CARDINAL
ajfti-4584	131	19	-0.06	CARDINAL
ajfti-4584	131	20	0.37	CARDINAL
ajfti-4584	131	21	3	CARDINAL
ajfti-4584	131	22	0.36	CARDINAL
ajfti-4584	131	23	0.82	CARDINAL
ajfti-4584	131	24	0.22	CARDINAL
ajfti-4584	131	25	0.69	CARDINAL
ajfti-4584	131	26	0.15	CARDINAL
ajfti-4584	131	27	0.58	CARDINAL
ajfti-4584	131	28	0.19	CARDINAL
ajfti-4584	131	29	0.04	CARDINAL
ajfti-4584	131	30	0.09	CARDINAL
ajfti-4584	131	31	0.03	CARDINAL
ajfti-4584	131	32	1.24	CARDINAL
ajfti-4584	131	33	0.11	CARDINAL
ajfti-4584	131	34	0.12	CARDINAL
ajfti-4584	131	35	0.63	CARDINAL
ajfti-4584	131	36	0.08	CARDINAL
ajfti-4584	131	37	0.81	CARDINAL
ajfti-4584	131	38	0.19	CARDINAL
ajfti-4584	131	39	0.27	CARDINAL
ajfti-4584	131	40	avl	ORG
ajfti-4584	131	41	0.27	CARDINAL
ajfti-4584	132	1	342	CARDINAL
ajfti-4584	132	2	f(5	ORG
ajfti-4584	132	3	336	CARDINAL
ajfti-4584	132	4	34.54	CARDINAL
ajfti-4584	132	5	35.68	CARDINAL
ajfti-4584	132	6	33.90	CARDINAL
ajfti-4584	132	7	55.33	CARDINAL
ajfti-4584	132	8	0.34 0.35 0.34 0.44	QUANTITY
ajfti-4584	132	9	durbin	PERSON
ajfti-4584	132	10	61.41	CARDINAL
ajfti-4584	132	11	49.47	CARDINAL
ajfti-4584	132	12	336	CARDINAL
ajfti-4584	132	13	73.53	CARDINAL
ajfti-4584	132	14	56.82	CARDINAL
ajfti-4584	132	15	337	CARDINAL
ajfti-4584	132	16	20.68	CARDINAL
ajfti-4584	132	17	10.20	CARDINAL
ajfti-4584	132	18	15 9 https://journals.e-palli.com/home/index.php/ajfti am	TIME
ajfti-4584	133	1	j. financ	PERSON
ajfti-4584	134	1	technol	PERSON
ajfti-4584	134	2	innov	GPE
ajfti-4584	135	1	3(1	CARDINAL
ajfti-4584	135	2	155	CARDINAL
ajfti-4584	135	3	2025	CARDINAL
ajfti-4584	135	4	3	CARDINAL
ajfti-4584	135	5	342	CARDINAL
ajfti-4584	136	1	3	CARDINAL
ajfti-4584	138	1	1%	PERCENT
ajfti-4584	138	2	0.17%	PERCENT
ajfti-4584	138	3	0.66%	PERCENT
ajfti-4584	138	4	three	CARDINAL
ajfti-4584	139	1	two	CARDINAL
ajfti-4584	139	2	5% and 10%	PERCENT
ajfti-4584	139	3	three	CARDINAL
ajfti-4584	140	1	avl	ORG
ajfti-4584	140	2	three	CARDINAL
ajfti-4584	141	1	avl	ORG
ajfti-4584	141	2	1%	PERCENT
ajfti-4584	141	3	70 per cent	MONEY
ajfti-4584	142	1	three	CARDINAL
ajfti-4584	142	2	3	CARDINAL
ajfti-4584	142	3	1	CARDINAL
ajfti-4584	142	4	ols	ORG
ajfti-4584	142	5	1	CARDINAL
ajfti-4584	142	6	2	CARDINAL
ajfti-4584	142	7	1.12%	PERCENT
ajfti-4584	142	8	1.96%	PERCENT
ajfti-4584	143	1	one	CARDINAL
ajfti-4584	145	1	nigeria	GPE
ajfti-4584	146	1	nigeria	GPE
ajfti-4584	148	1	5	CARDINAL
ajfti-4584	148	2	6	CARDINAL
ajfti-4584	149	1	first	ORDINAL
ajfti-4584	150	1	wu-hausman	PERSON
ajfti-4584	150	2	3	CARDINAL
ajfti-4584	150	3	4	CARDINAL
ajfti-4584	150	4	1	CARDINAL
ajfti-4584	151	1	3-5	CARDINAL
ajfti-4584	152	1	two	CARDINAL
ajfti-4584	152	2	first	ORDINAL
ajfti-4584	152	3	two	CARDINAL
ajfti-4584	152	4	greater than 10	CARDINAL
ajfti-4584	154	1	first	ORDINAL
ajfti-4584	155	1	second	ORDINAL
ajfti-4584	156	1	second	ORDINAL
ajfti-4584	157	1	1%	PERCENT
ajfti-4584	157	2	1.13%	PERCENT
ajfti-4584	157	3	three	CARDINAL
ajfti-4584	157	4	1%	PERCENT
ajfti-4584	157	5	5% and 10%	PERCENT
ajfti-4584	159	1	5	CARDINAL
ajfti-4584	159	2	1	CARDINAL
ajfti-4584	161	1	second	ORDINAL
ajfti-4584	161	2	5	CARDINAL
ajfti-4584	161	3	1	CARDINAL
ajfti-4584	162	1	1%	PERCENT
ajfti-4584	162	2	1.76%	PERCENT
ajfti-4584	165	1	1	CARDINAL
ajfti-4584	165	2	avl	ORG
ajfti-4584	165	3	2	CARDINAL
ajfti-4584	165	4	three	CARDINAL
ajfti-4584	165	5	less than 3 years	DATE
ajfti-4584	165	6	above 3 years to 6 years	DATE
ajfti-4584	165	7	2	CARDINAL
ajfti-4584	165	8	7-10 years	DATE
ajfti-4584	165	9	third	ORDINAL
ajfti-4584	165	10	3	CARDINAL
ajfti-4584	165	11	4	CARDINAL
ajfti-4584	165	12	1%	PERCENT
ajfti-4584	165	13	5%	PERCENT
ajfti-4584	165	14	10%	PERCENT
ajfti-4584	166	1	12.1	CARDINAL
ajfti-4584	166	2	2025	DATE
ajfti-4584	166	3	16	CARDINAL
ajfti-4584	167	1	j. financ	PERSON
ajfti-4584	168	1	technol	PERSON
ajfti-4584	168	2	innov	GPE
ajfti-4584	169	1	3(1	CARDINAL
ajfti-4584	169	2	155	CARDINAL
ajfti-4584	169	3	2025	CARDINAL
ajfti-4584	169	4	1	CARDINAL
ajfti-4584	170	1	second	ORDINAL
ajfti-4584	170	2	55.33%	PERCENT
ajfti-4584	170	3	34 per cent	MONEY
ajfti-4584	175	1	2024	CARDINAL
ajfti-4584	175	2	mayorga et al	PERSON
ajfti-4584	176	1	2024	CARDINAL
ajfti-4584	176	2	2023	CARDINAL
ajfti-4584	177	1	anga et al	PERSON
ajfti-4584	177	2	2021	CARDINAL
ajfti-4584	177	3	2020	DATE
ajfti-4584	184	1	342	CARDINAL
ajfti-4584	190	1	tertiary	ORDINAL
ajfti-4584	190	2	2024	DATE
ajfti-4584	191	1	african development bank	ORG
ajfti-4584	192	1	2019	DATE
ajfti-4584	193	1	africa	LOC
ajfti-4584	193	2	annual	DATE
ajfti-4584	193	3	2019-2020	DATE
ajfti-4584	194	1	abidjan: african development bank	ORG
ajfti-4584	194	2	k. c.	PERSON
ajfti-4584	194	3	2020	DATE
ajfti-4584	195	1	eastern nigeria	ORG
ajfti-4584	196	1	6(2	CARDINAL
ajfti-4584	196	2	69	CARDINAL
ajfti-4584	196	3	g.	PERSON
ajfti-4584	196	4	a., & mialou	ORG
ajfti-4584	196	5	a.	PERSON
ajfti-4584	196	6	2014	DATE
ajfti-4584	198	1	a. c.	PERSON
ajfti-4584	198	2	chijindu	ORG
ajfti-4584	198	3	e. h., & steve	ORG
ajfti-4584	198	4	e. e.	PERSON
ajfti-4584	198	5	2020	DATE
ajfti-4584	199	1	nigeria	GPE
ajfti-4584	201	1	anga	ORG
ajfti-4584	201	2	r. a.	PERSON
ajfti-4584	201	3	sakanko	GPE
ajfti-4584	201	4	m. a.	PERSON
ajfti-4584	201	5	a. m.	PERSON
ajfti-4584	201	6	2021	CARDINAL
ajfti-4584	202	1	nigeria	GPE
ajfti-4584	203	1	ajec	PERSON
ajfti-4584	203	2	2(1	CARDINAL
ajfti-4584	203	3	33–43	CARDINAL
ajfti-4584	203	4	c. a.	PERSON
ajfti-4584	203	5	ezeaku	GPE
ajfti-4584	203	6	h. c., & emengini	PERSON
ajfti-4584	203	7	e. s.	PERSON
ajfti-4584	203	8	2020	DATE
ajfti-4584	204	1	nigeria	GPE
ajfti-4584	205	1	295	CARDINAL
ajfti-4584	205	2	304	CARDINAL
ajfti-4584	206	1	anthanasius fomum	PERSON
ajfti-4584	206	2	t., & pieter	ORG
ajfti-4584	206	3	2023	CARDINAL
ajfti-4584	208	1	international journal of social economics	ORG
ajfti-4584	208	2	50(11	DATE
ajfti-4584	208	3	1551–1567	DATE
ajfti-4584	209	1	r.	NORP
ajfti-4584	209	2	m., & pages	ORG
ajfti-4584	209	3	2011	DATE
ajfti-4584	213	1	dev	PERSON
ajfti-4584	215	1	59(3	CARDINAL
ajfti-4584	215	2	609-647	CARDINAL
ajfti-4584	215	3	banco central	ORG
ajfti-4584	215	4	brasil	GPE
ajfti-4584	216	1	2011	DATE
ajfti-4584	217	1	de inclusão	ORG
ajfti-4584	218	1	brasilia	GPE
ajfti-4584	218	2	brazil	GPE
ajfti-4584	219	1	bricknell, a., & kertay	ORG
ajfti-4584	219	2	2024	CARDINAL
ajfti-4584	220	1	south africa	GPE
ajfti-4584	222	1	jonkoping university	PERSON
ajfti-4584	223	1	n., & tuesta	ORG
ajfti-4584	223	2	2014	DATE
ajfti-4584	225	1	16 1 https://journals.e-palli.com/home/index.php/ajfti am	TIME
ajfti-4584	226	1	j. financ	PERSON
ajfti-4584	227	1	technol	PERSON
ajfti-4584	227	2	innov	GPE
ajfti-4584	228	1	3(1	CARDINAL
ajfti-4584	228	2	155	CARDINAL
ajfti-4584	228	3	2025	DATE
ajfti-4584	228	4	asian	NORP
ajfti-4584	229	1	8(80	CARDINAL
ajfti-4584	229	2	112	CARDINAL
ajfti-4584	229	3	ogidi	PERSON
ajfti-4584	229	4	e. j., & pam	PERSON
ajfti-4584	229	5	2021	CARDINAL
ajfti-4584	231	1	african journal of business and economic development	ORG
ajfti-4584	231	2	1(8	CARDINAL
ajfti-4584	232	1	omar	PERSON
ajfti-4584	232	2	m. a.	PERSON
ajfti-4584	232	3	& inaba	ORG
ajfti-4584	232	4	2020	DATE
ajfti-4584	234	1	9(37	CARDINAL
ajfti-4584	234	2	1	CARDINAL
ajfti-4584	234	3	r.	NORP
ajfti-4584	234	4	d.	NORP
ajfti-4584	234	5	c. l.	PERSON
ajfti-4584	234	6	nigeria	GPE
ajfti-4584	235	1	brazilian journal of food technology	ORG
ajfti-4584	235	2	23	CARDINAL
ajfti-4584	236	1	org/10.1590/19816723.08919 park	GPE
ajfti-4584	236	2	c.-y.	GPE
ajfti-4584	236	3	r. (	PERSON
ajfti-4584	236	4	2018b	DATE
ajfti-4584	238	1	the singapore economic review	ORG
ajfti-4584	238	2	63	DATE
ajfti-4584	238	3	185	CARDINAL
ajfti-4584	239	1	sarma	PERSON
ajfti-4584	239	2	m. (	PERSON
ajfti-4584	239	3	2008	DATE
ajfti-4584	241	1	215	CARDINAL
ajfti-4584	241	2	m. (	PERSON
ajfti-4584	241	3	2010	DATE
ajfti-4584	243	1	10–05	CARDINAL
ajfti-4584	244	1	sarma	PERSON
ajfti-4584	244	2	m., & pais	ORG
ajfti-4584	244	3	j. (2011	ORG
ajfti-4584	245	1	journal of international development	ORG
ajfti-4584	245	2	23	CARDINAL
ajfti-4584	245	3	613-625	CARDINAL
ajfti-4584	246	1	2012	DATE
ajfti-4584	248	1	berlin	GPE
ajfti-4584	249	1	schumpeter	PERSON
ajfti-4584	249	2	j. a.	PERSON
ajfti-4584	249	3	1911	DATE
ajfti-4584	251	1	cambridge	GPE
ajfti-4584	251	2	harvard university press	ORG
ajfti-4584	252	1	shaw	PERSON
ajfti-4584	252	2	e. (1973	DATE
ajfti-4584	254	1	new york	GPE
ajfti-4584	254	2	oxford university	ORG
ajfti-4584	255	1	triki	GPE
ajfti-4584	255	2	t., & faye	ORG
ajfti-4584	255	3	i.	PERSON
ajfti-4584	255	4	2013	DATE
ajfti-4584	256	1	africa	LOC
ajfti-4584	257	1	abidjan: african development bank world bank	ORG
ajfti-4584	258	1	2014	DATE
ajfti-4584	259	1	east african	NORP
ajfti-4584	260	1	washington	GPE
ajfti-4584	260	2	d.c	GPE
ajfti-4584	262	1	world bank	ORG
ajfti-4584	263	1	2020	DATE
ajfti-4584	264	1	2019/2020	DATE
ajfti-4584	264	2	a decade	DATE
ajfti-4584	265	1	washington	GPE
ajfti-4584	265	2	dc	GPE
ajfti-4584	266	1	m.	PERSON
ajfti-4584	266	2	s. z. s.	PERSON
ajfti-4584	266	3	iqbal	PERSON
ajfti-4584	266	4	b. a.	PERSON
ajfti-4584	266	5	2023	CARDINAL
ajfti-4584	267	1	china	GPE
ajfti-4584	268	1	asean entrepreneurship journal	ORG
ajfti-4584	268	2	9(2	CARDINAL
ajfti-4584	268	3	9	CARDINAL
ajfti-4584	269	1	bbva bank	ORG
ajfti-4584	270	1	a. a.	PERSON
ajfti-4584	270	2	2018	DATE
ajfti-4584	271	1	sindh	GPE
ajfti-4584	271	2	pakistan	GPE
ajfti-4584	272	1	3401–3410	CARDINAL
ajfti-4584	273	1	central bank of nigeria	ORG
ajfti-4584	274	1	2012	DATE
ajfti-4584	275	1	nigerian	NORP
ajfti-4584	276	1	cbn chauvet	PERSON
ajfti-4584	276	2	l., & jacolin	ORG
ajfti-4584	276	3	l.	GPE
ajfti-4584	276	4	2017	CARDINAL
ajfti-4584	278	1	97	CARDINAL
ajfti-4584	278	2	1–13	DATE
ajfti-4584	279	1	demirgüç-kunt	PERSON
ajfti-4584	279	2	2017	CARDINAL
ajfti-4584	281	1	8040	CARDINAL
ajfti-4584	281	2	world bank	ORG
ajfti-4584	281	3	washington	GPE
ajfti-4584	281	4	dc.	GPE
ajfti-4584	281	5	dinh	ORG
ajfti-4584	281	6	h. t.	PERSON
ajfti-4584	281	7	d. a.	ORG
ajfti-4584	281	8	n. b.	PERSON
ajfti-4584	281	9	2012	DATE
ajfti-4584	283	1	world bank	ORG
ajfti-4584	283	2	washington	GPE
ajfti-4584	283	3	d. c. fowowe	ORG
ajfti-4584	283	4	2017	CARDINAL
ajfti-4584	284	1	african	NORP
ajfti-4584	285	1	7	CARDINAL
ajfti-4584	287	1	2021	CARDINAL
ajfti-4584	288	1	2021	CARDINAL
ajfti-4584	288	2	washington	GPE
ajfti-4584	288	3	d. c. ibekwe a. o.	PERSON
ajfti-4584	288	4	a. i.	PERSON
ajfti-4584	288	5	2021	CARDINAL
ajfti-4584	289	1	nigeria	GPE
ajfti-4584	290	1	jetmase	PERSON
ajfti-4584	290	2	3(1	CARDINAL
ajfti-4584	290	3	90	CARDINAL
ajfti-4584	292	1	2020	DATE
ajfti-4584	293	1	10 years	DATE
ajfti-4584	294	1	washington	GPE
ajfti-4584	294	2	dc	GPE
ajfti-4584	295	1	krejcie	PERSON
ajfti-4584	295	2	r. v.	PERSON
ajfti-4584	295	3	d. w.	PERSON
ajfti-4584	295	4	1970	DATE
ajfti-4584	297	1	30	CARDINAL
ajfti-4584	297	2	607	CARDINAL
ajfti-4584	297	3	d. f. s.	PERSON
ajfti-4584	297	4	melgarejo	GPE
ajfti-4584	297	5	z., & oliveros	ORG
ajfti-4584	297	6	d.	NORP
ajfti-4584	297	7	2024	CARDINAL
ajfti-4584	298	1	bogota	GPE
ajfti-4584	298	2	2012–2016	CARDINAL
ajfti-4584	299	1	business & management	ORG
ajfti-4584	300	1	975.2024.2338226	CARDINAL
ajfti-4584	300	2	mckinnon	FAC
ajfti-4584	300	3	r. i.	PERSON
ajfti-4584	300	4	1973	DATE
ajfti-4584	302	1	washington	GPE
ajfti-4584	302	2	d. c.:	PERSON
ajfti-4584	302	3	brooklyn	GPE
ajfti-4584	302	4	nizam	ORG
ajfti-4584	302	5	r.	NORP
ajfti-4584	302	6	z., sarmidi	PERSON
ajfti-4584	302	7	t., & abdulrahman, a. (2020	ORG