id	sid	tid	token	lemma	pos
ajfti-4584	1	1	pa	pa	PROPN
ajfti-4584	1	2	ge	ge	PROPN
ajfti-4584	1	3	1	1	NUM
ajfti-4584	1	4	pa	pa	PROPN
ajfti-4584	1	5	ge	ge	PROPN
ajfti-4584	1	6	15	15	NUM
ajfti-4584	1	7	5	5	NUM
ajfti-4584	1	8	american	american	ADJ
ajfti-4584	1	9	journal	journal	NOUN
ajfti-4584	1	10	of	of	ADP
ajfti-4584	1	11	financial	financial	ADJ
ajfti-4584	1	12	technology	technology	NOUN
ajfti-4584	1	13	and	and	CCONJ
ajfti-4584	1	14	innovation	innovation	NOUN
ajfti-4584	1	15	(	(	PUNCT
ajfti-4584	1	16	ajfti	ajfti	NOUN
ajfti-4584	1	17	)	)	PUNCT
ajfti-4584	1	18	entrepreneurial	entrepreneurial	ADJ
ajfti-4584	1	19	growth	growth	NOUN
ajfti-4584	1	20	under	under	ADP
ajfti-4584	1	21	financial	financial	ADJ
ajfti-4584	1	22	inclusion	inclusion	NOUN
ajfti-4584	1	23	:	:	PUNCT
ajfti-4584	1	24	a	a	DET
ajfti-4584	1	25	firm	firm	ADJ
ajfti-4584	1	26	-	-	PUNCT
ajfti-4584	1	27	level	level	NOUN
ajfti-4584	1	28	analysis	analysis	NOUN
ajfti-4584	1	29	of	of	ADP
ajfti-4584	1	30	microenterprises	microenterprise	NOUN
ajfti-4584	1	31	in	in	ADP
ajfti-4584	1	32	abeokuta	abeokuta	PROPN
ajfti-4584	1	33	metropolis	metropolis	PROPN
ajfti-4584	1	34	kamilu	kamilu	PROPN
ajfti-4584	1	35	a.	a.	PROPN
ajfti-4584	1	36	saka1	saka1	PROPN
ajfti-4584	1	37	*	*	PUNCT
ajfti-4584	1	38	,	,	PUNCT
ajfti-4584	1	39	rasaki	rasaki	VERB
ajfti-4584	1	40	a	a	DET
ajfti-4584	1	41	,	,	PUNCT
ajfti-4584	1	42	raji2	raji2	PROPN
ajfti-4584	1	43	volume	volume	NOUN
ajfti-4584	1	44	3	3	NUM
ajfti-4584	1	45	issue	issue	NOUN
ajfti-4584	1	46	1	1	NUM
ajfti-4584	1	47	,	,	PUNCT
ajfti-4584	1	48	year	year	NOUN
ajfti-4584	1	49	2025	2025	NUM
ajfti-4584	1	50	issn	issn	PROPN
ajfti-4584	1	51	:	:	PUNCT
ajfti-4584	1	52	2996	2996	NUM
ajfti-4584	1	53	-	-	SYM
ajfti-4584	1	54	0975	0975	NUM
ajfti-4584	1	55	(	(	PUNCT
ajfti-4584	1	56	online	online	ADJ
ajfti-4584	1	57	)	)	PUNCT
ajfti-4584	1	58	doi	doi	NOUN
ajfti-4584	1	59	:	:	PUNCT
ajfti-4584	1	60	https://doi.org/10.54536/ajfti.v3i1.4584	https://doi.org/10.54536/ajfti.v3i1.4584	NUM
ajfti-4584	1	61	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-4584	1	62	article	article	NOUN
ajfti-4584	1	63	information	information	NOUN
ajfti-4584	1	64	abstract	abstract	ADV
ajfti-4584	1	65	received	receive	VERB
ajfti-4584	1	66	:	:	PUNCT
ajfti-4584	1	67	february	february	PROPN
ajfti-4584	1	68	12	12	NUM
ajfti-4584	1	69	,	,	PUNCT
ajfti-4584	1	70	2025	2025	NUM
ajfti-4584	1	71	accepted	accept	VERB
ajfti-4584	1	72	:	:	PUNCT
ajfti-4584	1	73	march	march	PROPN
ajfti-4584	1	74	19	19	NUM
ajfti-4584	1	75	,	,	PUNCT
ajfti-4584	1	76	2025	2025	NUM
ajfti-4584	1	77	published	publish	VERB
ajfti-4584	1	78	:	:	PUNCT
ajfti-4584	1	79	october	october	PROPN
ajfti-4584	1	80	25	25	NUM
ajfti-4584	1	81	,	,	PUNCT
ajfti-4584	1	82	2025	2025	NUM
ajfti-4584	1	83	this	this	DET
ajfti-4584	1	84	study	study	NOUN
ajfti-4584	1	85	applies	apply	VERB
ajfti-4584	1	86	the	the	DET
ajfti-4584	1	87	two	two	NUM
ajfti-4584	1	88	-	-	PUNCT
ajfti-4584	1	89	stage	stage	NOUN
ajfti-4584	1	90	least	least	ADJ
ajfti-4584	1	91	squares	square	NOUN
ajfti-4584	1	92	(	(	PUNCT
ajfti-4584	1	93	2sls	2sls	NOUN
ajfti-4584	1	94	)	)	PUNCT
ajfti-4584	1	95	estimator	estimator	NOUN
ajfti-4584	1	96	to	to	PART
ajfti-4584	1	97	analyse	analyse	VERB
ajfti-4584	1	98	the	the	DET
ajfti-4584	1	99	impact	impact	NOUN
ajfti-4584	1	100	of	of	ADP
ajfti-4584	1	101	financial	financial	ADJ
ajfti-4584	1	102	inclusion	inclusion	NOUN
ajfti-4584	1	103	on	on	ADP
ajfti-4584	1	104	micro	micro	NOUN
ajfti-4584	1	105	-	-	NOUN
ajfti-4584	1	106	firms	firm	NOUN
ajfti-4584	1	107	’	'	PUNCT
ajfti-4584	1	108	employment	employment	NOUN
ajfti-4584	1	109	growth	growth	NOUN
ajfti-4584	1	110	in	in	ADP
ajfti-4584	1	111	the	the	DET
ajfti-4584	1	112	abeokuta	abeokuta	PROPN
ajfti-4584	1	113	metropolis	metropolis	NOUN
ajfti-4584	1	114	.	.	PUNCT
ajfti-4584	2	1	a	a	DET
ajfti-4584	2	2	survey	survey	NOUN
ajfti-4584	2	3	research	research	NOUN
ajfti-4584	2	4	design	design	NOUN
ajfti-4584	2	5	was	be	AUX
ajfti-4584	2	6	employed	employ	VERB
ajfti-4584	2	7	to	to	PART
ajfti-4584	2	8	randomly	randomly	VERB
ajfti-4584	2	9	select	select	VERB
ajfti-4584	2	10	384	384	NUM
ajfti-4584	2	11	owners	owner	NOUN
ajfti-4584	2	12	and	and	CCONJ
ajfti-4584	2	13	managers	manager	NOUN
ajfti-4584	2	14	of	of	ADP
ajfti-4584	2	15	microenterprises	microenterprise	NOUN
ajfti-4584	2	16	in	in	ADP
ajfti-4584	2	17	the	the	DET
ajfti-4584	2	18	study	study	NOUN
ajfti-4584	2	19	area	area	NOUN
ajfti-4584	2	20	.	.	PUNCT
ajfti-4584	3	1	the	the	DET
ajfti-4584	3	2	traditional	traditional	ADJ
ajfti-4584	3	3	ordinary	ordinary	ADJ
ajfti-4584	3	4	least	least	ADJ
ajfti-4584	3	5	squares	square	NOUN
ajfti-4584	3	6	(	(	PUNCT
ajfti-4584	3	7	ols	ol	NOUN
ajfti-4584	3	8	)	)	PUNCT
ajfti-4584	3	9	produces	produce	VERB
ajfti-4584	3	10	underestimated	underestimate	VERB
ajfti-4584	3	11	and	and	CCONJ
ajfti-4584	3	12	overestimated	overestimated	ADJ
ajfti-4584	3	13	impacts	impact	NOUN
ajfti-4584	3	14	of	of	ADP
ajfti-4584	3	15	financial	financial	ADJ
ajfti-4584	3	16	inclusion	inclusion	NOUN
ajfti-4584	3	17	indicators	indicator	NOUN
ajfti-4584	3	18	on	on	ADP
ajfti-4584	3	19	firm	firm	ADJ
ajfti-4584	3	20	employment	employment	NOUN
ajfti-4584	3	21	growth	growth	NOUN
ajfti-4584	3	22	due	due	ADP
ajfti-4584	3	23	to	to	ADP
ajfti-4584	3	24	endogeneity	endogeneity	NOUN
ajfti-4584	3	25	issues	issue	NOUN
ajfti-4584	3	26	with	with	ADP
ajfti-4584	3	27	the	the	DET
ajfti-4584	3	28	predictors	predictor	NOUN
ajfti-4584	3	29	.	.	PUNCT
ajfti-4584	4	1	however	however	ADV
ajfti-4584	4	2	,	,	PUNCT
ajfti-4584	4	3	the	the	DET
ajfti-4584	4	4	observed	observe	VERB
ajfti-4584	4	5	2sls	2sls	NUM
ajfti-4584	4	6	estimation	estimation	NOUN
ajfti-4584	4	7	outcomes	outcome	NOUN
ajfti-4584	4	8	show	show	VERB
ajfti-4584	4	9	that	that	SCONJ
ajfti-4584	4	10	when	when	SCONJ
ajfti-4584	4	11	the	the	DET
ajfti-4584	4	12	financial	financial	ADJ
ajfti-4584	4	13	inclusion	inclusion	NOUN
ajfti-4584	4	14	of	of	ADP
ajfti-4584	4	15	a	a	DET
ajfti-4584	4	16	microenterprise	microenterprise	NOUN
ajfti-4584	4	17	is	be	AUX
ajfti-4584	4	18	instrumented	instrument	VERB
ajfti-4584	4	19	with	with	ADP
ajfti-4584	4	20	education	education	NOUN
ajfti-4584	4	21	level	level	NOUN
ajfti-4584	4	22	,	,	PUNCT
ajfti-4584	4	23	efficient	efficient	ADJ
ajfti-4584	4	24	and	and	CCONJ
ajfti-4584	4	25	consistent	consistent	ADJ
ajfti-4584	4	26	estimates	estimate	NOUN
ajfti-4584	4	27	are	be	AUX
ajfti-4584	4	28	obtained	obtain	VERB
ajfti-4584	4	29	.	.	PUNCT
ajfti-4584	5	1	from	from	ADP
ajfti-4584	5	2	the	the	DET
ajfti-4584	5	3	2sls	2sls	NUM
ajfti-4584	5	4	analysis	analysis	NOUN
ajfti-4584	5	5	,	,	PUNCT
ajfti-4584	5	6	a	a	DET
ajfti-4584	5	7	one	one	NUM
ajfti-4584	5	8	percent	percent	NOUN
ajfti-4584	5	9	increase	increase	NOUN
ajfti-4584	5	10	in	in	ADP
ajfti-4584	5	11	access	access	NOUN
ajfti-4584	5	12	to	to	ADP
ajfti-4584	5	13	and	and	CCONJ
ajfti-4584	5	14	availability	availability	NOUN
ajfti-4584	5	15	of	of	ADP
ajfti-4584	5	16	the	the	DET
ajfti-4584	5	17	formal	formal	ADJ
ajfti-4584	5	18	financial	financial	ADJ
ajfti-4584	5	19	system	system	NOUN
ajfti-4584	5	20	leads	lead	VERB
ajfti-4584	5	21	to	to	ADP
ajfti-4584	5	22	a	a	DET
ajfti-4584	5	23	corresponding	correspond	VERB
ajfti-4584	5	24	1.13	1.13	NUM
ajfti-4584	5	25	percent	percent	NOUN
ajfti-4584	5	26	and	and	CCONJ
ajfti-4584	5	27	1.76	1.76	NUM
ajfti-4584	5	28	percent	percent	NOUN
ajfti-4584	5	29	decrease	decrease	NOUN
ajfti-4584	5	30	in	in	ADP
ajfti-4584	5	31	the	the	DET
ajfti-4584	5	32	employment	employment	NOUN
ajfti-4584	5	33	growth	growth	NOUN
ajfti-4584	5	34	of	of	ADP
ajfti-4584	5	35	the	the	DET
ajfti-4584	5	36	sampled	sample	VERB
ajfti-4584	5	37	firms	firm	NOUN
ajfti-4584	5	38	at	at	ADP
ajfti-4584	5	39	two	two	NUM
ajfti-4584	5	40	significance	significance	NOUN
ajfti-4584	5	41	levels	level	NOUN
ajfti-4584	5	42	(	(	PUNCT
ajfti-4584	5	43	5	5	NUM
ajfti-4584	5	44	%	%	NOUN
ajfti-4584	5	45	and	and	CCONJ
ajfti-4584	5	46	10	10	NUM
ajfti-4584	5	47	%	%	NOUN
ajfti-4584	5	48	)	)	PUNCT
ajfti-4584	5	49	,	,	PUNCT
ajfti-4584	5	50	respectively	respectively	ADV
ajfti-4584	5	51	.	.	PUNCT
ajfti-4584	6	1	the	the	DET
ajfti-4584	6	2	study	study	NOUN
ajfti-4584	6	3	then	then	ADV
ajfti-4584	6	4	affirms	affirm	VERB
ajfti-4584	6	5	that	that	SCONJ
ajfti-4584	6	6	high	high	ADJ
ajfti-4584	6	7	access	access	NOUN
ajfti-4584	6	8	to	to	ADP
ajfti-4584	6	9	and	and	CCONJ
ajfti-4584	6	10	availability	availability	NOUN
ajfti-4584	6	11	of	of	ADP
ajfti-4584	6	12	formal	formal	ADJ
ajfti-4584	6	13	financial	financial	ADJ
ajfti-4584	6	14	products	product	NOUN
ajfti-4584	6	15	and	and	CCONJ
ajfti-4584	6	16	services	service	NOUN
ajfti-4584	6	17	significantly	significantly	ADV
ajfti-4584	6	18	slow	slow	VERB
ajfti-4584	6	19	down	down	ADP
ajfti-4584	6	20	employment	employment	NOUN
ajfti-4584	6	21	growth	growth	NOUN
ajfti-4584	6	22	among	among	ADP
ajfti-4584	6	23	microenterprises	microenterprise	NOUN
ajfti-4584	6	24	in	in	ADP
ajfti-4584	6	25	the	the	DET
ajfti-4584	6	26	study	study	NOUN
ajfti-4584	6	27	area	area	NOUN
ajfti-4584	6	28	.	.	PUNCT
ajfti-4584	7	1	these	these	DET
ajfti-4584	7	2	results	result	NOUN
ajfti-4584	7	3	imply	imply	VERB
ajfti-4584	7	4	that	that	SCONJ
ajfti-4584	7	5	increasing	increase	VERB
ajfti-4584	7	6	levels	level	NOUN
ajfti-4584	7	7	of	of	ADP
ajfti-4584	7	8	financial	financial	ADJ
ajfti-4584	7	9	inclusion	inclusion	NOUN
ajfti-4584	7	10	are	be	AUX
ajfti-4584	7	11	not	not	PART
ajfti-4584	7	12	palatable	palatable	ADJ
ajfti-4584	7	13	for	for	ADP
ajfti-4584	7	14	microfirms	microfirm	NOUN
ajfti-4584	7	15	in	in	ADP
ajfti-4584	7	16	the	the	DET
ajfti-4584	7	17	study	study	NOUN
ajfti-4584	7	18	area	area	NOUN
ajfti-4584	7	19	due	due	ADP
ajfti-4584	7	20	to	to	ADP
ajfti-4584	7	21	the	the	DET
ajfti-4584	7	22	significant	significant	ADJ
ajfti-4584	7	23	financial	financial	ADJ
ajfti-4584	7	24	challenges	challenge	NOUN
ajfti-4584	7	25	they	they	PRON
ajfti-4584	7	26	face	face	VERB
ajfti-4584	7	27	.	.	PUNCT
ajfti-4584	8	1	it	it	PRON
ajfti-4584	8	2	is	be	AUX
ajfti-4584	8	3	recommended	recommend	VERB
ajfti-4584	8	4	that	that	SCONJ
ajfti-4584	8	5	bespoke	bespoke	VERB
ajfti-4584	8	6	formal	formal	ADJ
ajfti-4584	8	7	financial	financial	ADJ
ajfti-4584	8	8	products	product	NOUN
ajfti-4584	8	9	and	and	CCONJ
ajfti-4584	8	10	services	service	NOUN
ajfti-4584	8	11	be	be	AUX
ajfti-4584	8	12	provided	provide	VERB
ajfti-4584	8	13	for	for	ADP
ajfti-4584	8	14	micro	micro	NOUN
ajfti-4584	8	15	-	-	NOUN
ajfti-4584	8	16	firms	firm	NOUN
ajfti-4584	8	17	,	,	PUNCT
ajfti-4584	8	18	including	include	VERB
ajfti-4584	8	19	addressing	address	VERB
ajfti-4584	8	20	the	the	DET
ajfti-4584	8	21	daunting	daunt	VERB
ajfti-4584	8	22	financial	financial	ADJ
ajfti-4584	8	23	challenges	challenge	NOUN
ajfti-4584	8	24	these	these	DET
ajfti-4584	8	25	firms	firm	NOUN
ajfti-4584	8	26	face	face	VERB
ajfti-4584	8	27	.	.	PUNCT
ajfti-4584	9	1	keywords	keyword	VERB
ajfti-4584	9	2	2sls	2sls	NOUN
ajfti-4584	9	3	,	,	PUNCT
ajfti-4584	9	4	employment	employment	NOUN
ajfti-4584	9	5	growth	growth	NOUN
ajfti-4584	9	6	,	,	PUNCT
ajfti-4584	9	7	financial	financial	ADJ
ajfti-4584	9	8	inclusion	inclusion	NOUN
ajfti-4584	9	9	,	,	PUNCT
ajfti-4584	9	10	instrumental	instrumental	ADJ
ajfti-4584	9	11	variable	variable	NOUN
ajfti-4584	9	12	,	,	PUNCT
ajfti-4584	9	13	micro	micro	ADJ
ajfti-4584	9	14	-	-	NOUN
ajfti-4584	9	15	firm	firm	ADJ
ajfti-4584	9	16	introduction	introduction	NOUN
ajfti-4584	9	17	the	the	DET
ajfti-4584	9	18	importance	importance	NOUN
ajfti-4584	9	19	of	of	ADP
ajfti-4584	9	20	financial	financial	ADJ
ajfti-4584	9	21	inclusion	inclusion	NOUN
ajfti-4584	9	22	is	be	AUX
ajfti-4584	9	23	increasingly	increasingly	ADV
ajfti-4584	9	24	recognized	recognize	VERB
ajfti-4584	9	25	among	among	ADP
ajfti-4584	9	26	governments	government	NOUN
ajfti-4584	9	27	,	,	PUNCT
ajfti-4584	9	28	and	and	CCONJ
ajfti-4584	9	29	financial	financial	ADJ
ajfti-4584	9	30	institutions	institution	NOUN
ajfti-4584	9	31	,	,	PUNCT
ajfti-4584	9	32	including	include	VERB
ajfti-4584	9	33	international	international	ADJ
ajfti-4584	9	34	financial	financial	ADJ
ajfti-4584	9	35	and	and	CCONJ
ajfti-4584	9	36	development	development	NOUN
ajfti-4584	9	37	organizations	organization	NOUN
ajfti-4584	9	38	like	like	ADP
ajfti-4584	9	39	the	the	DET
ajfti-4584	9	40	international	international	ADJ
ajfti-4584	9	41	monetary	monetary	ADJ
ajfti-4584	9	42	fund	fund	NOUN
ajfti-4584	9	43	(	(	PUNCT
ajfti-4584	9	44	imf	imf	PROPN
ajfti-4584	9	45	)	)	PUNCT
ajfti-4584	9	46	,	,	PUNCT
ajfti-4584	9	47	world	world	PROPN
ajfti-4584	9	48	bank	bank	PROPN
ajfti-4584	9	49	,	,	PUNCT
ajfti-4584	9	50	african	african	PROPN
ajfti-4584	9	51	development	development	PROPN
ajfti-4584	9	52	bank	bank	PROPN
ajfti-4584	9	53	,	,	PUNCT
ajfti-4584	9	54	and	and	CCONJ
ajfti-4584	9	55	others	other	NOUN
ajfti-4584	9	56	.	.	PUNCT
ajfti-4584	10	1	with	with	ADP
ajfti-4584	10	2	financial	financial	ADJ
ajfti-4584	10	3	inclusion	inclusion	NOUN
ajfti-4584	10	4	(	(	PUNCT
ajfti-4584	10	5	fi	fi	NOUN
ajfti-4584	10	6	)	)	PUNCT
ajfti-4584	10	7	,	,	PUNCT
ajfti-4584	10	8	more	more	ADV
ajfti-4584	10	9	previously	previously	ADV
ajfti-4584	10	10	financially	financially	ADV
ajfti-4584	10	11	excluded	exclude	VERB
ajfti-4584	10	12	people	people	NOUN
ajfti-4584	10	13	and	and	CCONJ
ajfti-4584	10	14	businesses	business	NOUN
ajfti-4584	10	15	can	can	AUX
ajfti-4584	10	16	access	access	VERB
ajfti-4584	10	17	and	and	CCONJ
ajfti-4584	10	18	use	use	VERB
ajfti-4584	10	19	financial	financial	ADJ
ajfti-4584	10	20	products	product	NOUN
ajfti-4584	10	21	and	and	CCONJ
ajfti-4584	10	22	services	service	NOUN
ajfti-4584	10	23	at	at	ADP
ajfti-4584	10	24	affordable	affordable	ADJ
ajfti-4584	10	25	prices	price	NOUN
ajfti-4584	10	26	.	.	PUNCT
ajfti-4584	11	1	academics	academic	NOUN
ajfti-4584	11	2	and	and	CCONJ
ajfti-4584	11	3	industry	industry	NOUN
ajfti-4584	11	4	stakeholders	stakeholder	NOUN
ajfti-4584	11	5	argue	argue	VERB
ajfti-4584	11	6	that	that	SCONJ
ajfti-4584	11	7	fi	fi	NOUN
ajfti-4584	11	8	offers	offer	VERB
ajfti-4584	11	9	gains	gain	NOUN
ajfti-4584	11	10	to	to	ADP
ajfti-4584	11	11	firms	firm	NOUN
ajfti-4584	11	12	by	by	ADP
ajfti-4584	11	13	decreasing	decrease	VERB
ajfti-4584	11	14	liquidity	liquidity	NOUN
ajfti-4584	11	15	or	or	CCONJ
ajfti-4584	11	16	financial	financial	ADJ
ajfti-4584	11	17	constraints	constraint	NOUN
ajfti-4584	11	18	,	,	PUNCT
ajfti-4584	11	19	increasing	increase	VERB
ajfti-4584	11	20	investments	investment	NOUN
ajfti-4584	11	21	and	and	CCONJ
ajfti-4584	11	22	ensuring	ensure	VERB
ajfti-4584	11	23	higher	high	ADJ
ajfti-4584	11	24	firm	firm	ADJ
ajfti-4584	11	25	growth	growth	NOUN
ajfti-4584	11	26	(	(	PUNCT
ajfti-4584	11	27	bricknell	bricknell	PROPN
ajfti-4584	11	28	&	&	CCONJ
ajfti-4584	11	29	kertay	kertay	PROPN
ajfti-4584	11	30	,	,	PUNCT
ajfti-4584	11	31	2024	2024	NUM
ajfti-4584	11	32	;	;	PUNCT
ajfti-4584	11	33	nizam	nizam	PROPN
ajfti-4584	11	34	et	et	PROPN
ajfti-4584	11	35	al	al	PROPN
ajfti-4584	11	36	.	.	PROPN
ajfti-4584	11	37	,	,	PUNCT
ajfti-4584	11	38	2020	2020	NUM
ajfti-4584	11	39	;	;	PUNCT
ajfti-4584	11	40	chauvet	chauvet	NOUN
ajfti-4584	11	41	&	&	CCONJ
ajfti-4584	11	42	jacolin	jacolin	PROPN
ajfti-4584	11	43	,	,	PUNCT
ajfti-4584	11	44	2017	2017	NUM
ajfti-4584	11	45	)	)	PUNCT
ajfti-4584	11	46	.	.	PUNCT
ajfti-4584	12	1	broadly	broadly	ADV
ajfti-4584	12	2	,	,	PUNCT
ajfti-4584	12	3	at	at	ADP
ajfti-4584	12	4	the	the	DET
ajfti-4584	12	5	macro	macro	ADJ
ajfti-4584	12	6	level	level	NOUN
ajfti-4584	12	7	,	,	PUNCT
ajfti-4584	12	8	fi	fi	NOUN
ajfti-4584	12	9	is	be	AUX
ajfti-4584	12	10	believed	believe	VERB
ajfti-4584	12	11	to	to	PART
ajfti-4584	12	12	enhance	enhance	VERB
ajfti-4584	12	13	employment	employment	NOUN
ajfti-4584	12	14	generation	generation	NOUN
ajfti-4584	12	15	,	,	PUNCT
ajfti-4584	12	16	poverty	poverty	NOUN
ajfti-4584	12	17	reduction	reduction	NOUN
ajfti-4584	12	18	,	,	PUNCT
ajfti-4584	12	19	contribute	contribute	VERB
ajfti-4584	12	20	to	to	ADP
ajfti-4584	12	21	economic	economic	ADJ
ajfti-4584	12	22	growth	growth	NOUN
ajfti-4584	12	23	and	and	CCONJ
ajfti-4584	12	24	promote	promote	VERB
ajfti-4584	12	25	income	income	NOUN
ajfti-4584	12	26	redistribution	redistribution	NOUN
ajfti-4584	12	27	(	(	PUNCT
ajfti-4584	12	28	anastesia	anastesia	NOUN
ajfti-4584	12	29	et	et	PROPN
ajfti-4584	12	30	al	al	PROPN
ajfti-4584	12	31	.	.	PROPN
ajfti-4584	12	32	,	,	PUNCT
ajfti-4584	12	33	2020	2020	NUM
ajfti-4584	12	34	;	;	PUNCT
ajfti-4584	12	35	park	park	NOUN
ajfti-4584	12	36	&	&	CCONJ
ajfti-4584	12	37	mercado	mercado	PROPN
ajfti-4584	12	38	,	,	PUNCT
ajfti-4584	12	39	2018b	2018b	NUM
ajfti-4584	12	40	;	;	PUNCT
ajfti-4584	12	41	omar	omar	PROPN
ajfti-4584	12	42	&	&	CCONJ
ajfti-4584	12	43	inaba	inaba	PROPN
ajfti-4584	12	44	,	,	PUNCT
ajfti-4584	12	45	2020	2020	NUM
ajfti-4584	12	46	)	)	PUNCT
ajfti-4584	12	47	.	.	PUNCT
ajfti-4584	13	1	despite	despite	SCONJ
ajfti-4584	13	2	wide	wide	ADJ
ajfti-4584	13	3	recognition	recognition	NOUN
ajfti-4584	13	4	and	and	CCONJ
ajfti-4584	13	5	importance	importance	NOUN
ajfti-4584	13	6	of	of	ADP
ajfti-4584	13	7	financial	financial	ADJ
ajfti-4584	13	8	inclusion	inclusion	NOUN
ajfti-4584	13	9	to	to	ADP
ajfti-4584	13	10	all	all	DET
ajfti-4584	13	11	economic	economic	ADJ
ajfti-4584	13	12	agents	agent	NOUN
ajfti-4584	13	13	including	include	VERB
ajfti-4584	13	14	national	national	PROPN
ajfti-4584	13	15	economy	economy	NOUN
ajfti-4584	13	16	micro	micro	PROPN
ajfti-4584	13	17	,	,	PUNCT
ajfti-4584	13	18	small	small	ADJ
ajfti-4584	13	19	scale	scale	NOUN
ajfti-4584	13	20	enterprises	enterprise	NOUN
ajfti-4584	13	21	,	,	PUNCT
ajfti-4584	13	22	and	and	CCONJ
ajfti-4584	13	23	smallholder	smallholder	NOUN
ajfti-4584	13	24	farmers	farmer	NOUN
ajfti-4584	13	25	still	still	ADV
ajfti-4584	13	26	face	face	VERB
ajfti-4584	13	27	acute	acute	ADJ
ajfti-4584	13	28	credit	credit	NOUN
ajfti-4584	13	29	constraints	constraint	NOUN
ajfti-4584	13	30	in	in	ADP
ajfti-4584	13	31	developing	develop	VERB
ajfti-4584	13	32	economies	economy	NOUN
ajfti-4584	13	33	(	(	PUNCT
ajfti-4584	13	34	bricknell	bricknell	PROPN
ajfti-4584	13	35	&	&	CCONJ
ajfti-4584	13	36	kertay	kertay	PROPN
ajfti-4584	13	37	,	,	PUNCT
ajfti-4584	13	38	2024	2024	NUM
ajfti-4584	13	39	;	;	PUNCT
ajfti-4584	13	40	global	global	ADJ
ajfti-4584	13	41	findex	findex	NOUN
ajfti-4584	13	42	,	,	PUNCT
ajfti-4584	13	43	2021	2021	NUM
ajfti-4584	13	44	;	;	PUNCT
ajfti-4584	13	45	african	african	PROPN
ajfti-4584	13	46	development	development	PROPN
ajfti-4584	13	47	bank	bank	PROPN
ajfti-4584	13	48	,	,	PUNCT
ajfti-4584	13	49	2019	2019	NUM
ajfti-4584	13	50	;	;	PUNCT
ajfti-4584	13	51	chandio	chandio	PROPN
ajfti-4584	13	52	&	&	CCONJ
ajfti-4584	13	53	jiang	jiang	PROPN
ajfti-4584	13	54	,	,	PUNCT
ajfti-4584	13	55	2018	2018	NUM
ajfti-4584	13	56	;	;	PUNCT
ajfti-4584	13	57	international	international	ADJ
ajfti-4584	13	58	monetary	monetary	ADJ
ajfti-4584	13	59	fund	fund	NOUN
ajfti-4584	13	60	,	,	PUNCT
ajfti-4584	13	61	2020	2020	NUM
ajfti-4584	13	62	;	;	PUNCT
ajfti-4584	13	63	osabohien	osabohien	NOUN
ajfti-4584	13	64	et	et	PROPN
ajfti-4584	13	65	al	al	PROPN
ajfti-4584	13	66	.	.	PROPN
ajfti-4584	13	67	,	,	PUNCT
ajfti-4584	13	68	2020c	2020c	NUM
ajfti-4584	13	69	;	;	PUNCT
ajfti-4584	13	70	mayorga	mayorga	PROPN
ajfti-4584	13	71	et	et	PROPN
ajfti-4584	13	72	al	al	PROPN
ajfti-4584	13	73	.	.	PROPN
ajfti-4584	13	74	,	,	PUNCT
ajfti-4584	13	75	2024	2024	NUM
ajfti-4584	13	76	;	;	PUNCT
ajfti-4584	13	77	world	world	NOUN
ajfti-4584	13	78	bank	bank	PROPN
ajfti-4584	13	79	,	,	PUNCT
ajfti-4584	13	80	2020	2020	NUM
ajfti-4584	13	81	)	)	PUNCT
ajfti-4584	13	82	.	.	PUNCT
ajfti-4584	14	1	even	even	ADV
ajfti-4584	14	2	in	in	ADP
ajfti-4584	14	3	rural	rural	ADJ
ajfti-4584	14	4	areas	area	NOUN
ajfti-4584	14	5	of	of	ADP
ajfti-4584	14	6	developed	develop	VERB
ajfti-4584	14	7	countries	country	NOUN
ajfti-4584	14	8	or	or	CCONJ
ajfti-4584	14	9	among	among	ADP
ajfti-4584	14	10	low	low	ADJ
ajfti-4584	14	11	-	-	PUNCT
ajfti-4584	14	12	income	income	NOUN
ajfti-4584	14	13	-	-	PUNCT
ajfti-4584	14	14	oriented	orient	VERB
ajfti-4584	14	15	micro	micro	ADJ
ajfti-4584	14	16	businesses	business	NOUN
ajfti-4584	14	17	in	in	ADP
ajfti-4584	14	18	these	these	DET
ajfti-4584	14	19	economies	economy	NOUN
ajfti-4584	14	20	,	,	PUNCT
ajfti-4584	14	21	the	the	DET
ajfti-4584	14	22	credit	credit	NOUN
ajfti-4584	14	23	gap	gap	NOUN
ajfti-4584	14	24	is	be	AUX
ajfti-4584	14	25	still	still	ADV
ajfti-4584	14	26	an	an	DET
ajfti-4584	14	27	issue	issue	NOUN
ajfti-4584	14	28	.	.	PUNCT
ajfti-4584	15	1	in	in	ADP
ajfti-4584	15	2	particular	particular	ADJ
ajfti-4584	15	3	,	,	PUNCT
ajfti-4584	15	4	credit	credit	NOUN
ajfti-4584	15	5	gap	gap	NOUN
ajfti-4584	15	6	financing	financing	NOUN
ajfti-4584	15	7	is	be	AUX
ajfti-4584	15	8	more	more	ADV
ajfti-4584	15	9	evident	evident	ADJ
ajfti-4584	15	10	in	in	ADP
ajfti-4584	15	11	nigeria	nigeria	PRON
ajfti-4584	15	12	where	where	SCONJ
ajfti-4584	15	13	a	a	DET
ajfti-4584	15	14	large	large	ADJ
ajfti-4584	15	15	number	number	NOUN
ajfti-4584	15	16	of	of	ADP
ajfti-4584	15	17	micro	micro	ADJ
ajfti-4584	15	18	and	and	CCONJ
ajfti-4584	15	19	small	small	ADJ
ajfti-4584	15	20	-	-	PUNCT
ajfti-4584	15	21	scale	scale	NOUN
ajfti-4584	15	22	enterprises	enterprise	NOUN
ajfti-4584	15	23	record	record	VERB
ajfti-4584	15	24	a	a	DET
ajfti-4584	15	25	lack	lack	NOUN
ajfti-4584	15	26	of	of	ADP
ajfti-4584	15	27	access	access	NOUN
ajfti-4584	15	28	to	to	ADP
ajfti-4584	15	29	investible	investible	ADJ
ajfti-4584	15	30	funds	fund	NOUN
ajfti-4584	15	31	as	as	ADP
ajfti-4584	15	32	a	a	DET
ajfti-4584	15	33	major	major	ADJ
ajfti-4584	15	34	business	business	NOUN
ajfti-4584	15	35	obstacle	obstacle	NOUN
ajfti-4584	15	36	in	in	ADP
ajfti-4584	15	37	the	the	DET
ajfti-4584	15	38	country	country	NOUN
ajfti-4584	15	39	(	(	PUNCT
ajfti-4584	15	40	anga	anga	PROPN
ajfti-4584	15	41	et	et	PROPN
ajfti-4584	15	42	al	al	PROPN
ajfti-4584	15	43	.	.	PROPN
ajfti-4584	15	44	,	,	PUNCT
ajfti-4584	15	45	2021	2021	NUM
ajfti-4584	15	46	;	;	PUNCT
ajfti-4584	15	47	anastesia	anastesia	NOUN
ajfti-4584	15	48	et	et	PROPN
ajfti-4584	15	49	al	al	PROPN
ajfti-4584	15	50	.	.	PROPN
ajfti-4584	15	51	,	,	PUNCT
ajfti-4584	15	52	2020	2020	NUM
ajfti-4584	15	53	;	;	PUNCT
ajfti-4584	15	54	ogidi	ogidi	NOUN
ajfti-4584	15	55	&	&	CCONJ
ajfti-4584	15	56	pam	pam	PROPN
ajfti-4584	15	57	,	,	PUNCT
ajfti-4584	15	58	2021	2021	NUM
ajfti-4584	15	59	;	;	PUNCT
ajfti-4584	15	60	agbim	agbim	NOUN
ajfti-4584	15	61	,	,	PUNCT
ajfti-4584	15	62	2020	2020	NUM
ajfti-4584	15	63	)	)	PUNCT
ajfti-4584	15	64	.	.	PUNCT
ajfti-4584	16	1	meanwhile	meanwhile	ADV
ajfti-4584	16	2	,	,	PUNCT
ajfti-4584	16	3	the	the	DET
ajfti-4584	16	4	credit	credit	NOUN
ajfti-4584	16	5	financing	financing	NOUN
ajfti-4584	16	6	gap	gap	NOUN
ajfti-4584	16	7	that	that	PRON
ajfti-4584	16	8	impedes	impede	VERB
ajfti-4584	16	9	a	a	DET
ajfti-4584	16	10	sustainable	sustainable	ADJ
ajfti-4584	16	11	level	level	NOUN
ajfti-4584	16	12	of	of	ADP
ajfti-4584	16	13	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	16	14	and	and	CCONJ
ajfti-4584	16	15	small	small	ADJ
ajfti-4584	16	16	-	-	PUNCT
ajfti-4584	16	17	scale	scale	NOUN
ajfti-4584	16	18	enterprises	enterprise	NOUN
ajfti-4584	16	19	’	'	PUNCT
ajfti-4584	16	20	growth	growth	NOUN
ajfti-4584	16	21	and	and	CCONJ
ajfti-4584	16	22	development	development	NOUN
ajfti-4584	16	23	in	in	ADP
ajfti-4584	16	24	sub	sub	ADJ
ajfti-4584	16	25	-	-	ADJ
ajfti-4584	16	26	saharan	saharan	ADJ
ajfti-4584	16	27	africa	africa	PROPN
ajfti-4584	16	28	is	be	AUX
ajfti-4584	16	29	a	a	DET
ajfti-4584	16	30	major	major	ADJ
ajfti-4584	16	31	financial	financial	ADJ
ajfti-4584	16	32	inclusion	inclusion	NOUN
ajfti-4584	16	33	concern	concern	NOUN
ajfti-4584	16	34	in	in	ADP
ajfti-4584	16	35	these	these	DET
ajfti-4584	16	36	countries	country	NOUN
ajfti-4584	16	37	,	,	PUNCT
ajfti-4584	16	38	particularly	particularly	ADV
ajfti-4584	16	39	economies	economy	NOUN
ajfti-4584	16	40	where	where	SCONJ
ajfti-4584	16	41	abject	abject	VERB
ajfti-4584	16	42	poverty	poverty	NOUN
ajfti-4584	16	43	is	be	AUX
ajfti-4584	16	44	prominent	prominent	ADJ
ajfti-4584	16	45	(	(	PUNCT
ajfti-4584	16	46	triki	triki	PROPN
ajfti-4584	16	47	&	&	CCONJ
ajfti-4584	16	48	faye	faye	PROPN
ajfti-4584	16	49	,	,	PUNCT
ajfti-4584	16	50	2013	2013	NUM
ajfti-4584	16	51	)	)	PUNCT
ajfti-4584	16	52	.	.	PUNCT
ajfti-4584	17	1	in	in	ADP
ajfti-4584	17	2	nigeria	nigeria	PROPN
ajfti-4584	17	3	,	,	PUNCT
ajfti-4584	17	4	previous	previous	ADJ
ajfti-4584	17	5	studies	study	NOUN
ajfti-4584	17	6	that	that	PRON
ajfti-4584	17	7	focus	focus	VERB
ajfti-4584	17	8	on	on	ADP
ajfti-4584	17	9	the	the	DET
ajfti-4584	17	10	relationship	relationship	NOUN
ajfti-4584	17	11	between	between	ADP
ajfti-4584	17	12	financial	financial	ADJ
ajfti-4584	17	13	inclusion	inclusion	NOUN
ajfti-4584	17	14	and	and	CCONJ
ajfti-4584	17	15	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	17	16	growth	growth	NOUN
ajfti-4584	17	17	and	and	CCONJ
ajfti-4584	17	18	development	development	NOUN
ajfti-4584	17	19	(	(	PUNCT
ajfti-4584	17	20	anga	anga	PROPN
ajfti-4584	17	21	et	et	PROPN
ajfti-4584	17	22	al	al	PROPN
ajfti-4584	17	23	.	.	PROPN
ajfti-4584	17	24	,	,	PUNCT
ajfti-4584	17	25	2021	2021	NUM
ajfti-4584	17	26	;	;	PUNCT
ajfti-4584	17	27	anastesia	anastesia	NOUN
ajfti-4584	17	28	et	et	PROPN
ajfti-4584	17	29	al	al	PROPN
ajfti-4584	17	30	.	.	PROPN
ajfti-4584	17	31	,	,	PUNCT
ajfti-4584	17	32	2020	2020	NUM
ajfti-4584	17	33	;	;	PUNCT
ajfti-4584	17	34	ogidi	ogidi	NOUN
ajfti-4584	17	35	&	&	CCONJ
ajfti-4584	17	36	pam	pam	PROPN
ajfti-4584	17	37	,	,	PUNCT
ajfti-4584	17	38	2021	2021	NUM
ajfti-4584	17	39	;	;	PUNCT
ajfti-4584	17	40	ibekwe	ibekwe	NOUN
ajfti-4584	17	41	et	et	PROPN
ajfti-4584	17	42	al	al	PROPN
ajfti-4584	17	43	.	.	PROPN
ajfti-4584	17	44	,	,	PUNCT
ajfti-4584	17	45	2021	2021	NUM
ajfti-4584	17	46	;	;	PUNCT
ajfti-4584	17	47	anisiuba	anisiuba	PROPN
ajfti-4584	17	48	et	et	PROPN
ajfti-4584	17	49	al	al	PROPN
ajfti-4584	17	50	.	.	PROPN
ajfti-4584	17	51	,	,	PUNCT
ajfti-4584	17	52	2020	2020	NUM
ajfti-4584	17	53	)	)	PUNCT
ajfti-4584	17	54	observed	observe	VERB
ajfti-4584	17	55	positive	positive	ADJ
ajfti-4584	17	56	relationship	relationship	NOUN
ajfti-4584	17	57	between	between	ADP
ajfti-4584	17	58	financial	financial	ADJ
ajfti-4584	17	59	inclusion	inclusion	NOUN
ajfti-4584	17	60	and	and	CCONJ
ajfti-4584	17	61	entrepreneurial	entrepreneurial	ADJ
ajfti-4584	17	62	growth	growth	NOUN
ajfti-4584	17	63	in	in	ADP
ajfti-4584	17	64	the	the	DET
ajfti-4584	17	65	country	country	NOUN
ajfti-4584	17	66	.	.	PUNCT
ajfti-4584	18	1	however	however	ADV
ajfti-4584	18	2	,	,	PUNCT
ajfti-4584	18	3	these	these	DET
ajfti-4584	18	4	previous	previous	ADJ
ajfti-4584	18	5	studies	study	NOUN
ajfti-4584	18	6	suffer	suffer	VERB
ajfti-4584	18	7	from	from	ADP
ajfti-4584	18	8	certain	certain	ADJ
ajfti-4584	18	9	empirical	empirical	ADJ
ajfti-4584	18	10	strategy	strategy	NOUN
ajfti-4584	18	11	flaws	flaw	NOUN
ajfti-4584	18	12	and	and	CCONJ
ajfti-4584	18	13	weak	weak	ADJ
ajfti-4584	18	14	measurements	measurement	NOUN
ajfti-4584	18	15	of	of	ADP
ajfti-4584	18	16	variables	variable	NOUN
ajfti-4584	18	17	,	,	PUNCT
ajfti-4584	18	18	particularly	particularly	ADV
ajfti-4584	18	19	regarding	regard	VERB
ajfti-4584	18	20	financial	financial	ADJ
ajfti-4584	18	21	inclusion	inclusion	NOUN
ajfti-4584	18	22	.	.	PUNCT
ajfti-4584	19	1	for	for	ADP
ajfti-4584	19	2	instance	instance	NOUN
ajfti-4584	19	3	,	,	PUNCT
ajfti-4584	19	4	given	give	VERB
ajfti-4584	19	5	the	the	DET
ajfti-4584	19	6	data	datum	NOUN
ajfti-4584	19	7	time	time	NOUN
ajfti-4584	19	8	,	,	PUNCT
ajfti-4584	19	9	this	this	DET
ajfti-4584	19	10	study	study	NOUN
ajfti-4584	19	11	argues	argue	VERB
ajfti-4584	19	12	that	that	SCONJ
ajfti-4584	19	13	macrolevel	macrolevel	NOUN
ajfti-4584	19	14	data	datum	NOUN
ajfti-4584	19	15	employed	employ	VERB
ajfti-4584	19	16	by	by	ADP
ajfti-4584	19	17	anga	anga	PROPN
ajfti-4584	19	18	et	et	PROPN
ajfti-4584	19	19	al	al	PROPN
ajfti-4584	19	20	.	.	PROPN
ajfti-4584	20	1	(	(	PUNCT
ajfti-4584	20	2	2021	2021	NUM
ajfti-4584	20	3	)	)	PUNCT
ajfti-4584	20	4	;	;	PUNCT
ajfti-4584	20	5	anastesia	anastesia	NOUN
ajfti-4584	20	6	et	et	PROPN
ajfti-4584	20	7	al	al	PROPN
ajfti-4584	20	8	.	.	PROPN
ajfti-4584	21	1	(	(	PUNCT
ajfti-4584	21	2	2020	2020	NUM
ajfti-4584	21	3	)	)	PUNCT
ajfti-4584	22	1	;	;	PUNCT
ajfti-4584	22	2	ibekwe	ibekwe	VERB
ajfti-4584	22	3	et	et	PROPN
ajfti-4584	22	4	al	al	PROPN
ajfti-4584	22	5	.	.	PROPN
ajfti-4584	23	1	(	(	PUNCT
ajfti-4584	23	2	2021	2021	NUM
ajfti-4584	23	3	)	)	PUNCT
ajfti-4584	23	4	,	,	PUNCT
ajfti-4584	23	5	and	and	CCONJ
ajfti-4584	23	6	anisiuba	anisiuba	INTJ
ajfti-4584	23	7	et	et	PROPN
ajfti-4584	23	8	al	al	PROPN
ajfti-4584	23	9	.	.	PROPN
ajfti-4584	24	1	(	(	PUNCT
ajfti-4584	24	2	2020	2020	NUM
ajfti-4584	24	3	)	)	PUNCT
ajfti-4584	24	4	for	for	ADP
ajfti-4584	24	5	financial	financial	ADJ
ajfti-4584	24	6	inclusion	inclusion	NOUN
ajfti-4584	24	7	analysis	analysis	NOUN
ajfti-4584	24	8	for	for	ADP
ajfti-4584	24	9	microenterprises	microenterprise	NOUN
ajfti-4584	24	10	is	be	AUX
ajfti-4584	24	11	a	a	DET
ajfti-4584	24	12	misplaced	misplaced	ADJ
ajfti-4584	24	13	priority	priority	NOUN
ajfti-4584	24	14	and	and	CCONJ
ajfti-4584	24	15	purely	purely	ADV
ajfti-4584	24	16	an	an	DET
ajfti-4584	24	17	empirical	empirical	ADJ
ajfti-4584	24	18	flaw	flaw	NOUN
ajfti-4584	24	19	.	.	PUNCT
ajfti-4584	25	1	this	this	PRON
ajfti-4584	25	2	is	be	AUX
ajfti-4584	25	3	because	because	SCONJ
ajfti-4584	25	4	a	a	DET
ajfti-4584	25	5	study	study	NOUN
ajfti-4584	25	6	establishing	establish	VERB
ajfti-4584	25	7	the	the	DET
ajfti-4584	25	8	macroeconomic	macroeconomic	ADJ
ajfti-4584	25	9	impact	impact	NOUN
ajfti-4584	25	10	of	of	ADP
ajfti-4584	25	11	financial	financial	ADJ
ajfti-4584	25	12	inclusion	inclusion	NOUN
ajfti-4584	25	13	needs	need	VERB
ajfti-4584	25	14	sufficient	sufficient	ADJ
ajfti-4584	25	15	long	long	ADJ
ajfti-4584	25	16	-	-	PUNCT
ajfti-4584	25	17	time	time	NOUN
ajfti-4584	25	18	-	-	PUNCT
ajfti-4584	25	19	series	series	NOUN
ajfti-4584	25	20	data	datum	NOUN
ajfti-4584	25	21	on	on	ADP
ajfti-4584	25	22	financial	financial	ADJ
ajfti-4584	25	23	inclusion	inclusion	NOUN
ajfti-4584	25	24	measures	measure	NOUN
ajfti-4584	25	25	(	(	PUNCT
ajfti-4584	25	26	demirguc	demirguc	PROPN
ajfti-4584	25	27	-	-	PUNCT
ajfti-4584	25	28	kunt	kunt	PROPN
ajfti-4584	25	29	et	et	PROPN
ajfti-4584	25	30	al	al	PROPN
ajfti-4584	25	31	.	.	PROPN
ajfti-4584	25	32	,	,	PUNCT
ajfti-4584	25	33	2017	2017	NUM
ajfti-4584	25	34	)	)	PUNCT
ajfti-4584	25	35	.	.	PUNCT
ajfti-4584	26	1	again	again	ADV
ajfti-4584	26	2	,	,	PUNCT
ajfti-4584	26	3	using	use	VERB
ajfti-4584	26	4	total	total	ADJ
ajfti-4584	26	5	trade	trade	NOUN
ajfti-4584	26	6	sector	sector	NOUN
ajfti-4584	26	7	output	output	NOUN
ajfti-4584	26	8	by	by	ADP
ajfti-4584	26	9	anastesia	anastesia	PROPN
ajfti-4584	26	10	et	et	PROPN
ajfti-4584	26	11	al	al	PROPN
ajfti-4584	26	12	.	.	PROPN
ajfti-4584	26	13	(	(	PUNCT
ajfti-4584	26	14	2020	2020	NUM
ajfti-4584	26	15	)	)	PUNCT
ajfti-4584	26	16	to	to	PART
ajfti-4584	26	17	measure	measure	VERB
ajfti-4584	26	18	retail	retail	ADJ
ajfti-4584	26	19	and	and	CCONJ
ajfti-4584	26	20	wholesale	wholesale	ADJ
ajfti-4584	26	21	productivity	productivity	NOUN
ajfti-4584	26	22	as	as	ADP
ajfti-4584	26	23	a	a	DET
ajfti-4584	26	24	proxy	proxy	NOUN
ajfti-4584	26	25	for	for	ADP
ajfti-4584	26	26	entrepreneurial	entrepreneurial	ADJ
ajfti-4584	26	27	growth	growth	NOUN
ajfti-4584	26	28	is	be	AUX
ajfti-4584	26	29	1	1	NUM
ajfti-4584	26	30	department	department	NOUN
ajfti-4584	26	31	of	of	ADP
ajfti-4584	26	32	banking	banking	NOUN
ajfti-4584	26	33	and	and	CCONJ
ajfti-4584	26	34	finance	finance	NOUN
ajfti-4584	26	35	,	,	PUNCT
ajfti-4584	26	36	the	the	DET
ajfti-4584	26	37	federal	federal	ADJ
ajfti-4584	26	38	polytechnic	polytechnic	ADJ
ajfti-4584	26	39	,	,	PUNCT
ajfti-4584	26	40	ilaro	ilaro	NOUN
ajfti-4584	26	41	,	,	PUNCT
ajfti-4584	26	42	nigeria	nigeria	PROPN
ajfti-4584	26	43	2	2	NUM
ajfti-4584	26	44	department	department	NOUN
ajfti-4584	26	45	of	of	ADP
ajfti-4584	26	46	business	business	PROPN
ajfti-4584	26	47	administration	administration	NOUN
ajfti-4584	26	48	and	and	CCONJ
ajfti-4584	26	49	management	management	NOUN
ajfti-4584	26	50	,	,	PUNCT
ajfti-4584	26	51	the	the	DET
ajfti-4584	26	52	federal	federal	ADJ
ajfti-4584	26	53	polytechnic	polytechnic	ADJ
ajfti-4584	26	54	,	,	PUNCT
ajfti-4584	26	55	ilaro	ilaro	NOUN
ajfti-4584	26	56	,	,	PUNCT
ajfti-4584	26	57	nigeria	nigeria	PROPN
ajfti-4584	26	58	*	*	PUNCT
ajfti-4584	26	59	corresponding	correspond	VERB
ajfti-4584	26	60	author	author	NOUN
ajfti-4584	26	61	’s	’s	PART
ajfti-4584	26	62	e	e	NOUN
ajfti-4584	26	63	-	-	NOUN
ajfti-4584	26	64	mail	mail	NOUN
ajfti-4584	26	65	:	:	PUNCT
ajfti-4584	26	66	kamilu.saka@federalpolyilaro.edu.ng	kamilu.saka@federalpolyilaro.edu.ng	PROPN
ajfti-4584	26	67	pa	pa	PROPN
ajfti-4584	26	68	ge	ge	PROPN
ajfti-4584	26	69	15	15	NUM
ajfti-4584	26	70	6	6	NUM
ajfti-4584	26	71	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-4584	26	72	am	be	AUX
ajfti-4584	26	73	.	.	PUNCT
ajfti-4584	27	1	j.	j.	PROPN
ajfti-4584	27	2	financ	financ	PROPN
ajfti-4584	27	3	.	.	PUNCT
ajfti-4584	28	1	technol	technol	PROPN
ajfti-4584	28	2	.	.	PUNCT
ajfti-4584	28	3	innov	innov	PROPN
ajfti-4584	28	4	.	.	PUNCT
ajfti-4584	29	1	3(1	3(1	NUM
ajfti-4584	29	2	)	)	PUNCT
ajfti-4584	29	3	155	155	NUM
ajfti-4584	29	4	-	-	SYM
ajfti-4584	29	5	161	161	NUM
ajfti-4584	29	6	,	,	PUNCT
ajfti-4584	29	7	2025	2025	NUM
ajfti-4584	29	8	less	less	ADV
ajfti-4584	29	9	reliable	reliable	ADJ
ajfti-4584	29	10	for	for	ADP
ajfti-4584	29	11	standard	standard	ADJ
ajfti-4584	29	12	research	research	NOUN
ajfti-4584	29	13	that	that	PRON
ajfti-4584	29	14	aims	aim	VERB
ajfti-4584	29	15	to	to	PART
ajfti-4584	29	16	establish	establish	VERB
ajfti-4584	29	17	the	the	DET
ajfti-4584	29	18	real	real	ADJ
ajfti-4584	29	19	impacts	impact	NOUN
ajfti-4584	29	20	of	of	ADP
ajfti-4584	29	21	financial	financial	ADJ
ajfti-4584	29	22	inclusion	inclusion	NOUN
ajfti-4584	29	23	on	on	ADP
ajfti-4584	29	24	micro	micro	ADJ
ajfti-4584	29	25	-	-	ADJ
ajfti-4584	29	26	firm	firm	ADJ
ajfti-4584	29	27	growth	growth	NOUN
ajfti-4584	29	28	.	.	PUNCT
ajfti-4584	30	1	this	this	DET
ajfti-4584	30	2	poor	poor	ADJ
ajfti-4584	30	3	measurement	measurement	NOUN
ajfti-4584	30	4	of	of	ADP
ajfti-4584	30	5	variables	variable	NOUN
ajfti-4584	30	6	could	could	AUX
ajfti-4584	30	7	lead	lead	VERB
ajfti-4584	30	8	to	to	ADP
ajfti-4584	30	9	wrong	wrong	ADJ
ajfti-4584	30	10	policy	policy	NOUN
ajfti-4584	30	11	formulation	formulation	NOUN
ajfti-4584	30	12	on	on	ADP
ajfti-4584	30	13	developing	develop	VERB
ajfti-4584	30	14	microfirm	microfirm	ADJ
ajfti-4584	30	15	productivity	productivity	NOUN
ajfti-4584	30	16	through	through	ADP
ajfti-4584	30	17	financial	financial	ADJ
ajfti-4584	30	18	inclusion	inclusion	NOUN
ajfti-4584	30	19	.	.	PUNCT
ajfti-4584	31	1	this	this	DET
ajfti-4584	31	2	study	study	NOUN
ajfti-4584	31	3	employs	employ	VERB
ajfti-4584	31	4	an	an	DET
ajfti-4584	31	5	instrumental	instrumental	ADJ
ajfti-4584	31	6	variable	variable	NOUN
ajfti-4584	31	7	(	(	PUNCT
ajfti-4584	31	8	iv	iv	X
ajfti-4584	31	9	)	)	PUNCT
ajfti-4584	31	10	regression	regression	NOUN
ajfti-4584	31	11	estimator	estimator	NOUN
ajfti-4584	31	12	to	to	PART
ajfti-4584	31	13	correct	correct	VERB
ajfti-4584	31	14	the	the	DET
ajfti-4584	31	15	endogeneity	endogeneity	NOUN
ajfti-4584	31	16	issue	issue	NOUN
ajfti-4584	31	17	which	which	PRON
ajfti-4584	31	18	has	have	AUX
ajfti-4584	31	19	been	be	AUX
ajfti-4584	31	20	grossly	grossly	ADV
ajfti-4584	31	21	overlooked	overlook	VERB
ajfti-4584	31	22	by	by	ADP
ajfti-4584	31	23	most	most	ADJ
ajfti-4584	31	24	previous	previous	ADJ
ajfti-4584	31	25	studies	study	NOUN
ajfti-4584	31	26	in	in	ADP
ajfti-4584	31	27	the	the	DET
ajfti-4584	31	28	field	field	NOUN
ajfti-4584	31	29	.	.	PUNCT
ajfti-4584	32	1	this	this	DET
ajfti-4584	32	2	study	study	NOUN
ajfti-4584	32	3	conducted	conduct	VERB
ajfti-4584	32	4	in	in	ADP
ajfti-4584	32	5	abeokuta	abeokuta	PROPN
ajfti-4584	32	6	,	,	PUNCT
ajfti-4584	32	7	a	a	DET
ajfti-4584	32	8	metropolitan	metropolitan	ADJ
ajfti-4584	32	9	city	city	NOUN
ajfti-4584	32	10	in	in	ADP
ajfti-4584	32	11	ogun	ogun	PROPN
ajfti-4584	32	12	state	state	PROPN
ajfti-4584	32	13	,	,	PUNCT
ajfti-4584	32	14	nigeria	nigeria	PROPN
ajfti-4584	32	15	is	be	AUX
ajfti-4584	32	16	organised	organise	VERB
ajfti-4584	32	17	as	as	SCONJ
ajfti-4584	32	18	follows	follow	VERB
ajfti-4584	32	19	.	.	PUNCT
ajfti-4584	33	1	the	the	DET
ajfti-4584	33	2	first	first	ADJ
ajfti-4584	33	3	section	section	NOUN
ajfti-4584	33	4	introduces	introduce	VERB
ajfti-4584	33	5	the	the	DET
ajfti-4584	33	6	background	background	NOUN
ajfti-4584	33	7	,	,	PUNCT
ajfti-4584	33	8	the	the	DET
ajfti-4584	33	9	research	research	NOUN
ajfti-4584	33	10	problem	problem	NOUN
ajfti-4584	33	11	,	,	PUNCT
ajfti-4584	33	12	the	the	DET
ajfti-4584	33	13	main	main	ADJ
ajfti-4584	33	14	issue	issue	NOUN
ajfti-4584	33	15	with	with	ADP
ajfti-4584	33	16	the	the	DET
ajfti-4584	33	17	previous	previous	ADJ
ajfti-4584	33	18	works	work	NOUN
ajfti-4584	33	19	,	,	PUNCT
ajfti-4584	33	20	and	and	CCONJ
ajfti-4584	33	21	the	the	DET
ajfti-4584	33	22	context	context	NOUN
ajfti-4584	33	23	for	for	ADP
ajfti-4584	33	24	the	the	DET
ajfti-4584	33	25	study	study	NOUN
ajfti-4584	33	26	.	.	PUNCT
ajfti-4584	34	1	in	in	ADP
ajfti-4584	34	2	the	the	DET
ajfti-4584	34	3	second	second	ADJ
ajfti-4584	34	4	section	section	NOUN
ajfti-4584	34	5	,	,	PUNCT
ajfti-4584	34	6	a	a	DET
ajfti-4584	34	7	review	review	NOUN
ajfti-4584	34	8	of	of	ADP
ajfti-4584	34	9	the	the	DET
ajfti-4584	34	10	literature	literature	NOUN
ajfti-4584	34	11	was	be	AUX
ajfti-4584	34	12	conducted	conduct	VERB
ajfti-4584	34	13	.	.	PUNCT
ajfti-4584	35	1	this	this	DET
ajfti-4584	35	2	section	section	NOUN
ajfti-4584	35	3	is	be	AUX
ajfti-4584	35	4	followed	follow	VERB
ajfti-4584	35	5	by	by	ADP
ajfti-4584	35	6	a	a	DET
ajfti-4584	35	7	discussion	discussion	NOUN
ajfti-4584	35	8	of	of	ADP
ajfti-4584	35	9	the	the	DET
ajfti-4584	35	10	methods	method	NOUN
ajfti-4584	35	11	adopted	adopt	VERB
ajfti-4584	35	12	by	by	ADP
ajfti-4584	35	13	the	the	DET
ajfti-4584	35	14	research	research	NOUN
ajfti-4584	35	15	in	in	ADP
ajfti-4584	35	16	section	section	NOUN
ajfti-4584	35	17	three	three	NUM
ajfti-4584	35	18	.	.	PUNCT
ajfti-4584	36	1	section	section	NOUN
ajfti-4584	36	2	four	four	NUM
ajfti-4584	36	3	presents	present	VERB
ajfti-4584	36	4	the	the	DET
ajfti-4584	36	5	results	result	NOUN
ajfti-4584	36	6	,	,	PUNCT
ajfti-4584	36	7	interprets	interpret	VERB
ajfti-4584	36	8	,	,	PUNCT
ajfti-4584	36	9	and	and	CCONJ
ajfti-4584	36	10	discusses	discuss	VERB
ajfti-4584	36	11	the	the	DET
ajfti-4584	36	12	obtained	obtain	VERB
ajfti-4584	36	13	findings	finding	NOUN
ajfti-4584	36	14	from	from	ADP
ajfti-4584	36	15	data	datum	NOUN
ajfti-4584	36	16	analysis	analysis	NOUN
ajfti-4584	36	17	.	.	PUNCT
ajfti-4584	37	1	the	the	DET
ajfti-4584	37	2	study	study	NOUN
ajfti-4584	37	3	concludes	conclude	VERB
ajfti-4584	37	4	in	in	ADP
ajfti-4584	37	5	section	section	NOUN
ajfti-4584	37	6	five	five	NUM
ajfti-4584	37	7	and	and	CCONJ
ajfti-4584	37	8	ends	end	VERB
ajfti-4584	37	9	with	with	ADP
ajfti-4584	37	10	recommendations	recommendation	NOUN
ajfti-4584	37	11	.	.	PUNCT
ajfti-4584	38	1	literature	literature	NOUN
ajfti-4584	38	2	review	review	VERB
ajfti-4584	38	3	the	the	DET
ajfti-4584	38	4	issue	issue	NOUN
ajfti-4584	38	5	of	of	ADP
ajfti-4584	38	6	financial	financial	ADJ
ajfti-4584	38	7	inclusion	inclusion	NOUN
ajfti-4584	38	8	is	be	AUX
ajfti-4584	38	9	more	more	ADV
ajfti-4584	38	10	important	important	ADJ
ajfti-4584	38	11	to	to	AUX
ajfti-4584	38	12	micro	micro	VERB
ajfti-4584	38	13	and	and	CCONJ
ajfti-4584	38	14	small	small	ADJ
ajfti-4584	38	15	enterprises	enterprise	NOUN
ajfti-4584	38	16	and	and	CCONJ
ajfti-4584	38	17	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	38	18	at	at	ADP
ajfti-4584	38	19	large	large	ADJ
ajfti-4584	38	20	.	.	PUNCT
ajfti-4584	39	1	the	the	DET
ajfti-4584	39	2	reason	reason	NOUN
ajfti-4584	39	3	is	be	AUX
ajfti-4584	39	4	that	that	SCONJ
ajfti-4584	39	5	most	most	ADV
ajfti-4584	39	6	poor	poor	ADJ
ajfti-4584	39	7	people	people	NOUN
ajfti-4584	39	8	or	or	CCONJ
ajfti-4584	39	9	less	less	ADV
ajfti-4584	39	10	privileged	privileged	ADJ
ajfti-4584	39	11	adults	adult	NOUN
ajfti-4584	39	12	often	often	ADV
ajfti-4584	39	13	engage	engage	VERB
ajfti-4584	39	14	in	in	ADP
ajfti-4584	39	15	these	these	DET
ajfti-4584	39	16	kinds	kind	NOUN
ajfti-4584	39	17	of	of	ADP
ajfti-4584	39	18	businesses	business	NOUN
ajfti-4584	39	19	.	.	PUNCT
ajfti-4584	40	1	thus	thus	ADV
ajfti-4584	40	2	,	,	PUNCT
ajfti-4584	40	3	improved	improve	VERB
ajfti-4584	40	4	access	access	NOUN
ajfti-4584	40	5	to	to	ADP
ajfti-4584	40	6	an	an	DET
ajfti-4584	40	7	array	array	NOUN
ajfti-4584	40	8	of	of	ADP
ajfti-4584	40	9	savings	saving	NOUN
ajfti-4584	40	10	and	and	CCONJ
ajfti-4584	40	11	risk	risk	NOUN
ajfti-4584	40	12	mitigation	mitigation	NOUN
ajfti-4584	40	13	products	product	NOUN
ajfti-4584	40	14	can	can	AUX
ajfti-4584	40	15	help	help	VERB
ajfti-4584	40	16	these	these	DET
ajfti-4584	40	17	theoretically	theoretically	ADV
ajfti-4584	40	18	financially	financially	ADV
ajfti-4584	40	19	excluded	exclude	VERB
ajfti-4584	40	20	segments	segment	NOUN
ajfti-4584	40	21	to	to	PART
ajfti-4584	40	22	be	be	AUX
ajfti-4584	40	23	more	more	ADV
ajfti-4584	40	24	active	active	ADJ
ajfti-4584	40	25	economically	economically	ADV
ajfti-4584	40	26	and	and	CCONJ
ajfti-4584	40	27	contribute	contribute	VERB
ajfti-4584	40	28	significantly	significantly	ADV
ajfti-4584	40	29	to	to	ADP
ajfti-4584	40	30	the	the	DET
ajfti-4584	40	31	economic	economic	ADJ
ajfti-4584	40	32	growth	growth	NOUN
ajfti-4584	40	33	of	of	ADP
ajfti-4584	40	34	a	a	DET
ajfti-4584	40	35	country	country	NOUN
ajfti-4584	40	36	(	(	PUNCT
ajfti-4584	40	37	triki	triki	PROPN
ajfti-4584	40	38	&	&	CCONJ
ajfti-4584	40	39	faye	faye	PROPN
ajfti-4584	40	40	,	,	PUNCT
ajfti-4584	40	41	2013	2013	NUM
ajfti-4584	40	42	)	)	PUNCT
ajfti-4584	40	43	.	.	PUNCT
ajfti-4584	41	1	an	an	DET
ajfti-4584	41	2	entrepreneur	entrepreneur	NOUN
ajfti-4584	41	3	is	be	AUX
ajfti-4584	41	4	a	a	DET
ajfti-4584	41	5	person	person	NOUN
ajfti-4584	41	6	with	with	ADP
ajfti-4584	41	7	the	the	DET
ajfti-4584	41	8	ability	ability	NOUN
ajfti-4584	41	9	to	to	PART
ajfti-4584	41	10	transform	transform	VERB
ajfti-4584	41	11	his/	his/	PROPN
ajfti-4584	41	12	her	her	PRON
ajfti-4584	41	13	potential	potential	NOUN
ajfti-4584	41	14	into	into	ADP
ajfti-4584	41	15	the	the	DET
ajfti-4584	41	16	creation	creation	NOUN
ajfti-4584	41	17	of	of	ADP
ajfti-4584	41	18	business	business	NOUN
ajfti-4584	41	19	opportunities	opportunity	NOUN
ajfti-4584	41	20	to	to	PART
ajfti-4584	41	21	earn	earn	VERB
ajfti-4584	41	22	a	a	DET
ajfti-4584	41	23	living	living	NOUN
ajfti-4584	41	24	while	while	SCONJ
ajfti-4584	41	25	his	his	PRON
ajfti-4584	41	26	/	/	SYM
ajfti-4584	41	27	her	her	PRON
ajfti-4584	41	28	productive	productive	ADJ
ajfti-4584	41	29	effort	effort	NOUN
ajfti-4584	41	30	is	be	AUX
ajfti-4584	41	31	regarded	regard	VERB
ajfti-4584	41	32	as	as	ADP
ajfti-4584	41	33	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	41	34	.	.	PUNCT
ajfti-4584	42	1	by	by	ADP
ajfti-4584	42	2	and	and	CCONJ
ajfti-4584	42	3	large	large	ADJ
ajfti-4584	42	4	,	,	PUNCT
ajfti-4584	42	5	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	42	6	is	be	AUX
ajfti-4584	42	7	viewed	view	VERB
ajfti-4584	42	8	in	in	ADP
ajfti-4584	42	9	this	this	DET
ajfti-4584	42	10	study	study	NOUN
ajfti-4584	42	11	as	as	ADP
ajfti-4584	42	12	those	those	PRON
ajfti-4584	42	13	operated	operate	VERB
ajfti-4584	42	14	by	by	ADP
ajfti-4584	42	15	microenterprise	microenterprise	NOUN
ajfti-4584	42	16	operators	operator	NOUN
ajfti-4584	42	17	.	.	PUNCT
ajfti-4584	43	1	in	in	ADP
ajfti-4584	43	2	this	this	DET
ajfti-4584	43	3	manner	manner	NOUN
ajfti-4584	43	4	,	,	PUNCT
ajfti-4584	43	5	microenterprises	microenterprise	NOUN
ajfti-4584	43	6	are	be	AUX
ajfti-4584	43	7	defined	define	VERB
ajfti-4584	43	8	here	here	ADV
ajfti-4584	43	9	as	as	ADP
ajfti-4584	43	10	firms	firm	NOUN
ajfti-4584	43	11	that	that	PRON
ajfti-4584	43	12	employ	employ	VERB
ajfti-4584	43	13	not	not	PART
ajfti-4584	43	14	more	more	ADJ
ajfti-4584	43	15	than	than	ADP
ajfti-4584	43	16	five	five	NUM
ajfti-4584	43	17	(	(	PUNCT
ajfti-4584	43	18	5	5	NUM
ajfti-4584	43	19	)	)	PUNCT
ajfti-4584	43	20	employees	employee	NOUN
ajfti-4584	43	21	.	.	PUNCT
ajfti-4584	44	1	this	this	DET
ajfti-4584	44	2	approach	approach	NOUN
ajfti-4584	44	3	is	be	AUX
ajfti-4584	44	4	similar	similar	ADJ
ajfti-4584	44	5	to	to	ADP
ajfti-4584	44	6	the	the	DET
ajfti-4584	44	7	business	business	NOUN
ajfti-4584	44	8	classification	classification	NOUN
ajfti-4584	44	9	method	method	NOUN
ajfti-4584	44	10	by	by	ADP
ajfti-4584	44	11	the	the	DET
ajfti-4584	44	12	world	world	PROPN
ajfti-4584	44	13	bank	bank	PROPN
ajfti-4584	44	14	(	(	PUNCT
ajfti-4584	44	15	2014	2014	NUM
ajfti-4584	44	16	)	)	PUNCT
ajfti-4584	44	17	.	.	PUNCT
ajfti-4584	45	1	in	in	ADP
ajfti-4584	45	2	nigeria	nigeria	PROPN
ajfti-4584	45	3	,	,	PUNCT
ajfti-4584	45	4	some	some	DET
ajfti-4584	45	5	strategies	strategy	NOUN
ajfti-4584	45	6	for	for	ADP
ajfti-4584	45	7	financial	financial	ADJ
ajfti-4584	45	8	inclusion	inclusion	NOUN
ajfti-4584	45	9	have	have	AUX
ajfti-4584	45	10	been	be	AUX
ajfti-4584	45	11	designed	design	VERB
ajfti-4584	45	12	by	by	ADP
ajfti-4584	45	13	regulatory	regulatory	ADJ
ajfti-4584	45	14	authorities	authority	NOUN
ajfti-4584	45	15	,	,	PUNCT
ajfti-4584	45	16	development	development	NOUN
ajfti-4584	45	17	organisations	organisation	NOUN
ajfti-4584	45	18	,	,	PUNCT
ajfti-4584	45	19	and	and	CCONJ
ajfti-4584	45	20	non	non	ADJ
ajfti-4584	45	21	-	-	ADJ
ajfti-4584	45	22	governmental	governmental	ADJ
ajfti-4584	45	23	organisations	organisation	NOUN
ajfti-4584	45	24	(	(	PUNCT
ajfti-4584	45	25	ngos	ngo	NOUN
ajfti-4584	45	26	)	)	PUNCT
ajfti-4584	45	27	to	to	PART
ajfti-4584	45	28	promote	promote	VERB
ajfti-4584	45	29	and	and	CCONJ
ajfti-4584	45	30	extend	extend	VERB
ajfti-4584	45	31	financial	financial	ADJ
ajfti-4584	45	32	products	product	NOUN
ajfti-4584	45	33	and	and	CCONJ
ajfti-4584	45	34	services	service	NOUN
ajfti-4584	45	35	to	to	ADP
ajfti-4584	45	36	poor	poor	ADJ
ajfti-4584	45	37	people	people	NOUN
ajfti-4584	45	38	,	,	PUNCT
ajfti-4584	45	39	entrepreneurs	entrepreneur	NOUN
ajfti-4584	45	40	,	,	PUNCT
ajfti-4584	45	41	and	and	CCONJ
ajfti-4584	45	42	micro	micro	ADJ
ajfti-4584	45	43	and	and	CCONJ
ajfti-4584	45	44	small	small	ADJ
ajfti-4584	45	45	-	-	PUNCT
ajfti-4584	45	46	scale	scale	NOUN
ajfti-4584	45	47	enterprises	enterprise	NOUN
ajfti-4584	45	48	.	.	PUNCT
ajfti-4584	46	1	according	accord	VERB
ajfti-4584	46	2	to	to	ADP
ajfti-4584	46	3	central	central	ADJ
ajfti-4584	46	4	bank	bank	PROPN
ajfti-4584	46	5	of	of	ADP
ajfti-4584	46	6	nigeria	nigeria	PROPN
ajfti-4584	46	7	(	(	PUNCT
ajfti-4584	46	8	2012	2012	NUM
ajfti-4584	46	9	)	)	PUNCT
ajfti-4584	46	10	,	,	PUNCT
ajfti-4584	46	11	these	these	DET
ajfti-4584	46	12	strategies	strategy	NOUN
ajfti-4584	46	13	include	include	VERB
ajfti-4584	46	14	bank	bank	NOUN
ajfti-4584	46	15	verification	verification	NOUN
ajfti-4584	46	16	number	number	NOUN
ajfti-4584	46	17	(	(	PUNCT
ajfti-4584	46	18	bvn	bvn	PROPN
ajfti-4584	46	19	)	)	PUNCT
ajfti-4584	46	20	,	,	PUNCT
ajfti-4584	46	21	digital	digital	ADJ
ajfti-4584	46	22	financial	financial	ADJ
ajfti-4584	46	23	services	service	NOUN
ajfti-4584	46	24	(	(	PUNCT
ajfti-4584	46	25	dfs	dfs	NOUN
ajfti-4584	46	26	)	)	PUNCT
ajfti-4584	46	27	initiatives	initiative	NOUN
ajfti-4584	46	28	,	,	PUNCT
ajfti-4584	46	29	agent	agent	NOUN
ajfti-4584	46	30	banking	banking	NOUN
ajfti-4584	46	31	framework	framework	NOUN
ajfti-4584	46	32	,	,	PUNCT
ajfti-4584	46	33	national	national	ADJ
ajfti-4584	46	34	collateral	collateral	ADJ
ajfti-4584	46	35	registry	registry	NOUN
ajfti-4584	46	36	,	,	PUNCT
ajfti-4584	46	37	know	know	VERB
ajfti-4584	46	38	your	your	PRON
ajfti-4584	46	39	customer	customer	NOUN
ajfti-4584	46	40	(	(	PUNCT
ajfti-4584	46	41	kyc	kyc	PROPN
ajfti-4584	46	42	)	)	PUNCT
ajfti-4584	46	43	framework	framework	NOUN
ajfti-4584	46	44	,	,	PUNCT
ajfti-4584	46	45	micro	micro	NOUN
ajfti-4584	46	46	,	,	PUNCT
ajfti-4584	46	47	small	small	ADJ
ajfti-4584	46	48	and	and	CCONJ
ajfti-4584	46	49	medium	medium	ADJ
ajfti-4584	46	50	enterprises	enterprise	NOUN
ajfti-4584	46	51	development	development	NOUN
ajfti-4584	46	52	fund	fund	PROPN
ajfti-4584	46	53	(	(	PUNCT
ajfti-4584	46	54	a	a	DET
ajfti-4584	46	55	sum	sum	NOUN
ajfti-4584	46	56	of	of	ADP
ajfti-4584	46	57	₦	₦	ADP
ajfti-4584	46	58	220	220	NUM
ajfti-4584	46	59	billion	billion	NUM
ajfti-4584	46	60	)	)	PUNCT
ajfti-4584	46	61	,	,	PUNCT
ajfti-4584	46	62	financial	financial	ADJ
ajfti-4584	46	63	literacy	literacy	NOUN
ajfti-4584	46	64	and	and	CCONJ
ajfti-4584	46	65	capital	capital	NOUN
ajfti-4584	46	66	market	market	NOUN
ajfti-4584	46	67	literacy	literacy	NOUN
ajfti-4584	46	68	,	,	PUNCT
ajfti-4584	46	69	a	a	DET
ajfti-4584	46	70	5	5	NUM
ajfti-4584	46	71	-	-	PUNCT
ajfti-4584	46	72	year	year	NOUN
ajfti-4584	46	73	financial	financial	ADJ
ajfti-4584	46	74	inclusion	inclusion	NOUN
ajfti-4584	46	75	targets	target	NOUN
ajfti-4584	46	76	for	for	ADP
ajfti-4584	46	77	commercial	commercial	ADJ
ajfti-4584	46	78	banks	bank	NOUN
ajfti-4584	46	79	(	(	PUNCT
ajfti-4584	46	80	2016	2016	NUM
ajfti-4584	46	81	–	–	PUNCT
ajfti-4584	46	82	2020	2020	NUM
ajfti-4584	46	83	)	)	PUNCT
ajfti-4584	46	84	,	,	PUNCT
ajfti-4584	46	85	innovative	innovative	ADJ
ajfti-4584	46	86	insurance	insurance	NOUN
ajfti-4584	46	87	,	,	PUNCT
ajfti-4584	46	88	and	and	CCONJ
ajfti-4584	46	89	the	the	DET
ajfti-4584	46	90	passage	passage	NOUN
ajfti-4584	46	91	of	of	ADP
ajfti-4584	46	92	pension	pension	NOUN
ajfti-4584	46	93	reform	reform	NOUN
ajfti-4584	46	94	act	act	PROPN
ajfti-4584	46	95	2014	2014	NUM
ajfti-4584	46	96	premised	premise	VERB
ajfti-4584	46	97	on	on	ADP
ajfti-4584	46	98	the	the	DET
ajfti-4584	46	99	belief	belief	NOUN
ajfti-4584	46	100	that	that	SCONJ
ajfti-4584	46	101	millions	million	NOUN
ajfti-4584	46	102	of	of	ADP
ajfti-4584	46	103	nigerians	nigerians	PROPN
ajfti-4584	46	104	in	in	ADP
ajfti-4584	46	105	the	the	DET
ajfti-4584	46	106	informal	informal	ADJ
ajfti-4584	46	107	sector	sector	NOUN
ajfti-4584	46	108	will	will	AUX
ajfti-4584	46	109	be	be	AUX
ajfti-4584	46	110	financially	financially	ADV
ajfti-4584	46	111	included	include	VERB
ajfti-4584	46	112	through	through	ADP
ajfti-4584	46	113	pension	pension	NOUN
ajfti-4584	46	114	contribution	contribution	NOUN
ajfti-4584	46	115	and	and	CCONJ
ajfti-4584	46	116	investment	investment	NOUN
ajfti-4584	46	117	.	.	PUNCT
ajfti-4584	47	1	further	far	ADV
ajfti-4584	47	2	,	,	PUNCT
ajfti-4584	47	3	the	the	DET
ajfti-4584	47	4	seemingly	seemingly	ADV
ajfti-4584	47	5	numerous	numerous	ADJ
ajfti-4584	47	6	literature	literature	NOUN
ajfti-4584	47	7	on	on	ADP
ajfti-4584	47	8	financial	financial	ADJ
ajfti-4584	47	9	inclusion	inclusion	NOUN
ajfti-4584	47	10	measurement	measurement	NOUN
ajfti-4584	47	11	is	be	AUX
ajfti-4584	47	12	yet	yet	ADV
ajfti-4584	47	13	to	to	PART
ajfti-4584	47	14	recommend	recommend	VERB
ajfti-4584	47	15	a	a	DET
ajfti-4584	47	16	standard	standard	ADJ
ajfti-4584	47	17	or	or	CCONJ
ajfti-4584	47	18	comprehensive	comprehensive	ADJ
ajfti-4584	47	19	measurement	measurement	NOUN
ajfti-4584	47	20	approach	approach	NOUN
ajfti-4584	47	21	for	for	ADP
ajfti-4584	47	22	financial	financial	ADJ
ajfti-4584	47	23	inclusion	inclusion	NOUN
ajfti-4584	47	24	.	.	PUNCT
ajfti-4584	48	1	it	it	PRON
ajfti-4584	48	2	has	have	AUX
ajfti-4584	48	3	been	be	AUX
ajfti-4584	48	4	argued	argue	VERB
ajfti-4584	48	5	over	over	ADP
ajfti-4584	48	6	time	time	NOUN
ajfti-4584	48	7	that	that	PRON
ajfti-4584	48	8	such	such	DET
ajfti-4584	48	9	a	a	DET
ajfti-4584	48	10	standard	standard	ADJ
ajfti-4584	48	11	measure	measure	NOUN
ajfti-4584	48	12	is	be	AUX
ajfti-4584	48	13	required	require	VERB
ajfti-4584	48	14	to	to	PART
ajfti-4584	48	15	account	account	VERB
ajfti-4584	48	16	for	for	ADP
ajfti-4584	48	17	the	the	DET
ajfti-4584	48	18	coverage	coverage	NOUN
ajfti-4584	48	19	of	of	ADP
ajfti-4584	48	20	financial	financial	ADJ
ajfti-4584	48	21	inclusion	inclusion	NOUN
ajfti-4584	48	22	and	and	CCONJ
ajfti-4584	48	23	monitor	monitor	VERB
ajfti-4584	48	24	the	the	DET
ajfti-4584	48	25	progress	progress	NOUN
ajfti-4584	48	26	of	of	ADP
ajfti-4584	48	27	policies	policy	NOUN
ajfti-4584	48	28	on	on	ADP
ajfti-4584	48	29	financial	financial	ADJ
ajfti-4584	48	30	inclusion	inclusion	NOUN
ajfti-4584	48	31	at	at	ADP
ajfti-4584	48	32	both	both	CCONJ
ajfti-4584	48	33	macro	macro	ADJ
ajfti-4584	48	34	and	and	CCONJ
ajfti-4584	48	35	micro	micro	ADJ
ajfti-4584	48	36	levels	level	NOUN
ajfti-4584	48	37	.	.	PUNCT
ajfti-4584	49	1	even	even	ADV
ajfti-4584	49	2	with	with	ADP
ajfti-4584	49	3	few	few	ADJ
ajfti-4584	49	4	attempts	attempt	NOUN
ajfti-4584	49	5	that	that	PRON
ajfti-4584	49	6	have	have	AUX
ajfti-4584	49	7	been	be	AUX
ajfti-4584	49	8	made	make	VERB
ajfti-4584	49	9	to	to	ADP
ajfti-4584	49	10	the	the	DET
ajfti-4584	49	11	development	development	NOUN
ajfti-4584	49	12	of	of	ADP
ajfti-4584	49	13	financial	financial	ADJ
ajfti-4584	49	14	inclusion	inclusion	NOUN
ajfti-4584	49	15	measures	measure	NOUN
ajfti-4584	49	16	efforts	effort	NOUN
ajfti-4584	49	17	have	have	AUX
ajfti-4584	49	18	largely	largely	ADV
ajfti-4584	49	19	been	be	AUX
ajfti-4584	49	20	made	make	VERB
ajfti-4584	49	21	at	at	ADP
ajfti-4584	49	22	the	the	DET
ajfti-4584	49	23	macro	macro	ADJ
ajfti-4584	49	24	level	level	NOUN
ajfti-4584	49	25	for	for	ADP
ajfti-4584	49	26	cross	cross	ADJ
ajfti-4584	49	27	-	-	ADJ
ajfti-4584	49	28	country	country	ADJ
ajfti-4584	49	29	comparisons	comparison	NOUN
ajfti-4584	49	30	(	(	PUNCT
ajfti-4584	49	31	amidzic	amidzic	PROPN
ajfti-4584	49	32	et	et	PROPN
ajfti-4584	49	33	al	al	PROPN
ajfti-4584	49	34	.	.	PROPN
ajfti-4584	49	35	,	,	PUNCT
ajfti-4584	49	36	2014	2014	NUM
ajfti-4584	49	37	;	;	PUNCT
ajfti-4584	49	38	camara	camara	PROPN
ajfti-4584	49	39	&	&	CCONJ
ajfti-4584	49	40	tuesta	tuesta	PROPN
ajfti-4584	49	41	,	,	PUNCT
ajfti-4584	49	42	2014	2014	NUM
ajfti-4584	49	43	;	;	PUNCT
ajfti-4584	49	44	sarma	sarma	NOUN
ajfti-4584	49	45	,	,	PUNCT
ajfti-4584	49	46	2008	2008	NUM
ajfti-4584	49	47	;	;	PUNCT
ajfti-4584	49	48	sarma	sarma	NOUN
ajfti-4584	49	49	,	,	PUNCT
ajfti-4584	49	50	2010	2010	NUM
ajfti-4584	49	51	;	;	PUNCT
ajfti-4584	49	52	sarma	sarma	NOUN
ajfti-4584	49	53	,	,	PUNCT
ajfti-4584	49	54	2012	2012	NUM
ajfti-4584	49	55	;	;	PUNCT
ajfti-4584	49	56	sarma	sarma	PROPN
ajfti-4584	49	57	&	&	CCONJ
ajfti-4584	49	58	pais	pais	PROPN
ajfti-4584	49	59	,	,	PUNCT
ajfti-4584	49	60	2011	2011	NUM
ajfti-4584	49	61	;	;	PUNCT
ajfti-4584	49	62	omar	omar	PROPN
ajfti-4584	49	63	&	&	CCONJ
ajfti-4584	49	64	inaba	inaba	PROPN
ajfti-4584	49	65	,	,	PUNCT
ajfti-4584	49	66	2020	2020	NUM
ajfti-4584	49	67	)	)	PUNCT
ajfti-4584	49	68	and	and	CCONJ
ajfti-4584	49	69	for	for	ADP
ajfti-4584	49	70	regions	region	NOUN
ajfti-4584	49	71	in	in	ADP
ajfti-4584	49	72	brazil	brazil	PROPN
ajfti-4584	49	73	(	(	PUNCT
ajfti-4584	49	74	banco	banco	PROPN
ajfti-4584	49	75	central	central	PROPN
ajfti-4584	49	76	do	do	AUX
ajfti-4584	49	77	brasil	brasil	PROPN
ajfti-4584	49	78	,	,	PUNCT
ajfti-4584	49	79	2011	2011	NUM
ajfti-4584	49	80	)	)	PUNCT
ajfti-4584	49	81	or	or	CCONJ
ajfti-4584	49	82	countryfocused	countryfocuse	VERB
ajfti-4584	49	83	analysis	analysis	NOUN
ajfti-4584	49	84	(	(	PUNCT
ajfti-4584	49	85	anastesia	anastesia	NOUN
ajfti-4584	49	86	et	et	PROPN
ajfti-4584	49	87	al	al	PROPN
ajfti-4584	49	88	.	.	PROPN
ajfti-4584	49	89	,	,	PUNCT
ajfti-4584	49	90	2024	2024	NUM
ajfti-4584	49	91	;	;	PUNCT
ajfti-4584	49	92	mayorga	mayorga	PROPN
ajfti-4584	49	93	et	et	PROPN
ajfti-4584	49	94	al	al	PROPN
ajfti-4584	49	95	.	.	PROPN
ajfti-4584	49	96	,	,	PUNCT
ajfti-4584	49	97	2024	2024	NUM
ajfti-4584	49	98	)	)	PUNCT
ajfti-4584	49	99	.	.	PUNCT
ajfti-4584	50	1	the	the	DET
ajfti-4584	50	2	most	most	ADV
ajfti-4584	50	3	intuitive	intuitive	ADJ
ajfti-4584	50	4	idea	idea	NOUN
ajfti-4584	50	5	on	on	ADP
ajfti-4584	50	6	the	the	DET
ajfti-4584	50	7	financial	financial	ADJ
ajfti-4584	50	8	inclusion	inclusion	NOUN
ajfti-4584	50	9	measurement	measurement	NOUN
ajfti-4584	50	10	is	be	AUX
ajfti-4584	50	11	provided	provide	VERB
ajfti-4584	50	12	by	by	ADP
ajfti-4584	50	13	sarma	sarma	PROPN
ajfti-4584	50	14	(	(	PUNCT
ajfti-4584	50	15	2012	2012	NUM
ajfti-4584	50	16	)	)	PUNCT
ajfti-4584	50	17	.	.	PUNCT
ajfti-4584	51	1	sarma	sarma	PROPN
ajfti-4584	51	2	proposed	propose	VERB
ajfti-4584	51	3	that	that	SCONJ
ajfti-4584	51	4	financial	financial	ADJ
ajfti-4584	51	5	inclusion	inclusion	NOUN
ajfti-4584	51	6	can	can	AUX
ajfti-4584	51	7	be	be	AUX
ajfti-4584	51	8	better	well	ADV
ajfti-4584	51	9	understood	understand	VERB
ajfti-4584	51	10	if	if	SCONJ
ajfti-4584	51	11	viewed	view	VERB
ajfti-4584	51	12	with	with	ADP
ajfti-4584	51	13	a	a	DET
ajfti-4584	51	14	multidimensional	multidimensional	ADJ
ajfti-4584	51	15	lens	lens	NOUN
ajfti-4584	51	16	by	by	ADP
ajfti-4584	51	17	taking	take	VERB
ajfti-4584	51	18	into	into	ADP
ajfti-4584	51	19	consideration	consideration	NOUN
ajfti-4584	51	20	three	three	NUM
ajfti-4584	51	21	important	important	ADJ
ajfti-4584	51	22	dimensions	dimension	NOUN
ajfti-4584	51	23	of	of	ADP
ajfti-4584	51	24	financial	financial	ADJ
ajfti-4584	51	25	inclusion	inclusion	NOUN
ajfti-4584	51	26	.	.	PUNCT
ajfti-4584	52	1	to	to	PART
ajfti-4584	52	2	achieve	achieve	VERB
ajfti-4584	52	3	his	his	PRON
ajfti-4584	52	4	objective	objective	NOUN
ajfti-4584	52	5	,	,	PUNCT
ajfti-4584	52	6	sarma	sarma	PROPN
ajfti-4584	52	7	developed	develop	VERB
ajfti-4584	52	8	the	the	DET
ajfti-4584	52	9	composite	composite	ADJ
ajfti-4584	52	10	financial	financial	ADJ
ajfti-4584	52	11	inclusion	inclusion	NOUN
ajfti-4584	52	12	index	index	NOUN
ajfti-4584	52	13	(	(	PUNCT
ajfti-4584	52	14	cfi	cfi	PROPN
ajfti-4584	52	15	)	)	PUNCT
ajfti-4584	52	16	.	.	PUNCT
ajfti-4584	53	1	the	the	DET
ajfti-4584	53	2	cfi	cfi	PROPN
ajfti-4584	53	3	index	index	NOUN
ajfti-4584	53	4	by	by	ADP
ajfti-4584	53	5	sarma	sarma	PROPN
ajfti-4584	53	6	outlined	outline	VERB
ajfti-4584	53	7	these	these	DET
ajfti-4584	53	8	three	three	NUM
ajfti-4584	53	9	important	important	ADJ
ajfti-4584	53	10	dimensions	dimension	NOUN
ajfti-4584	53	11	of	of	ADP
ajfti-4584	53	12	financial	financial	ADJ
ajfti-4584	53	13	inclusion	inclusion	NOUN
ajfti-4584	53	14	.	.	PUNCT
ajfti-4584	54	1	these	these	PRON
ajfti-4584	54	2	include	include	VERB
ajfti-4584	54	3	accessibility	accessibility	NOUN
ajfti-4584	54	4	,	,	PUNCT
ajfti-4584	54	5	availability	availability	NOUN
ajfti-4584	54	6	and	and	CCONJ
ajfti-4584	54	7	usage	usage	NOUN
ajfti-4584	54	8	of	of	ADP
ajfti-4584	54	9	financial	financial	ADJ
ajfti-4584	54	10	services	service	NOUN
ajfti-4584	54	11	by	by	ADP
ajfti-4584	54	12	members	member	NOUN
ajfti-4584	54	13	of	of	ADP
ajfti-4584	54	14	a	a	DET
ajfti-4584	54	15	country	country	NOUN
ajfti-4584	54	16	’s	’s	PART
ajfti-4584	54	17	population	population	NOUN
ajfti-4584	54	18	.	.	PUNCT
ajfti-4584	55	1	the	the	DET
ajfti-4584	55	2	supply	supply	NOUN
ajfti-4584	55	3	-	-	PUNCT
ajfti-4584	55	4	leading	lead	VERB
ajfti-4584	55	5	hypothesis	hypothesis	NOUN
ajfti-4584	55	6	(	(	PUNCT
ajfti-4584	55	7	slh	slh	PROPN
ajfti-4584	55	8	)	)	PUNCT
ajfti-4584	55	9	is	be	AUX
ajfti-4584	55	10	the	the	DET
ajfti-4584	55	11	theory	theory	NOUN
ajfti-4584	55	12	underpinning	underpin	VERB
ajfti-4584	55	13	the	the	DET
ajfti-4584	55	14	current	current	ADJ
ajfti-4584	55	15	study	study	NOUN
ajfti-4584	55	16	.	.	PUNCT
ajfti-4584	56	1	slh	slh	PROPN
ajfti-4584	56	2	was	be	AUX
ajfti-4584	56	3	pioneered	pioneer	VERB
ajfti-4584	56	4	by	by	ADP
ajfti-4584	56	5	schumpeter	schumpeter	NOUN
ajfti-4584	56	6	(	(	PUNCT
ajfti-4584	56	7	1911	1911	NUM
ajfti-4584	56	8	)	)	PUNCT
ajfti-4584	56	9	and	and	CCONJ
ajfti-4584	56	10	derived	derive	VERB
ajfti-4584	56	11	more	more	ADJ
ajfti-4584	56	12	recognition	recognition	NOUN
ajfti-4584	56	13	from	from	ADP
ajfti-4584	56	14	the	the	DET
ajfti-4584	56	15	works	work	NOUN
ajfti-4584	56	16	of	of	ADP
ajfti-4584	56	17	mckinnon	mckinnon	PROPN
ajfti-4584	56	18	(	(	PUNCT
ajfti-4584	56	19	1973	1973	NUM
ajfti-4584	56	20	)	)	PUNCT
ajfti-4584	56	21	and	and	CCONJ
ajfti-4584	56	22	shaw	shaw	PROPN
ajfti-4584	56	23	(	(	PUNCT
ajfti-4584	56	24	1973	1973	NUM
ajfti-4584	56	25	)	)	PUNCT
ajfti-4584	56	26	who	who	PRON
ajfti-4584	56	27	empirically	empirically	ADV
ajfti-4584	56	28	confirmed	confirm	VERB
ajfti-4584	56	29	a	a	DET
ajfti-4584	56	30	link	link	NOUN
ajfti-4584	56	31	between	between	ADP
ajfti-4584	56	32	finance	finance	NOUN
ajfti-4584	56	33	and	and	CCONJ
ajfti-4584	56	34	economic	economic	ADJ
ajfti-4584	56	35	growth	growth	NOUN
ajfti-4584	56	36	.	.	PUNCT
ajfti-4584	57	1	according	accord	VERB
ajfti-4584	57	2	to	to	ADP
ajfti-4584	57	3	the	the	DET
ajfti-4584	57	4	principle	principle	NOUN
ajfti-4584	57	5	of	of	ADP
ajfti-4584	57	6	slh	slh	PROPN
ajfti-4584	57	7	,	,	PUNCT
ajfti-4584	57	8	the	the	DET
ajfti-4584	57	9	economic	economic	ADJ
ajfti-4584	57	10	growth	growth	NOUN
ajfti-4584	57	11	of	of	ADP
ajfti-4584	57	12	a	a	DET
ajfti-4584	57	13	country	country	NOUN
ajfti-4584	57	14	is	be	AUX
ajfti-4584	57	15	facilitated	facilitate	VERB
ajfti-4584	57	16	by	by	ADP
ajfti-4584	57	17	the	the	DET
ajfti-4584	57	18	level	level	NOUN
ajfti-4584	57	19	of	of	ADP
ajfti-4584	57	20	financial	financial	ADJ
ajfti-4584	57	21	development	development	NOUN
ajfti-4584	57	22	due	due	ADP
ajfti-4584	57	23	to	to	ADP
ajfti-4584	57	24	its	its	PRON
ajfti-4584	57	25	role	role	NOUN
ajfti-4584	57	26	in	in	ADP
ajfti-4584	57	27	the	the	DET
ajfti-4584	57	28	real	real	ADJ
ajfti-4584	57	29	sector	sector	NOUN
ajfti-4584	57	30	.	.	PUNCT
ajfti-4584	58	1	this	this	PRON
ajfti-4584	58	2	implies	imply	VERB
ajfti-4584	58	3	that	that	SCONJ
ajfti-4584	58	4	high	high	ADJ
ajfti-4584	58	5	financial	financial	ADJ
ajfti-4584	58	6	development	development	NOUN
ajfti-4584	58	7	enhances	enhance	NOUN
ajfti-4584	58	8	or	or	CCONJ
ajfti-4584	58	9	promotes	promote	VERB
ajfti-4584	58	10	the	the	DET
ajfti-4584	58	11	growth	growth	NOUN
ajfti-4584	58	12	of	of	ADP
ajfti-4584	58	13	an	an	DET
ajfti-4584	58	14	economy	economy	NOUN
ajfti-4584	58	15	.	.	PUNCT
ajfti-4584	59	1	at	at	ADP
ajfti-4584	59	2	the	the	DET
ajfti-4584	59	3	micro	micro	ADJ
ajfti-4584	59	4	level	level	NOUN
ajfti-4584	59	5	,	,	PUNCT
ajfti-4584	59	6	greater	great	ADJ
ajfti-4584	59	7	financial	financial	ADJ
ajfti-4584	59	8	inclusion	inclusion	NOUN
ajfti-4584	59	9	of	of	ADP
ajfti-4584	59	10	microenterprises	microenterprise	NOUN
ajfti-4584	59	11	would	would	AUX
ajfti-4584	59	12	contribute	contribute	VERB
ajfti-4584	59	13	to	to	ADP
ajfti-4584	59	14	developing	develop	VERB
ajfti-4584	59	15	a	a	DET
ajfti-4584	59	16	country	country	NOUN
ajfti-4584	59	17	’s	’s	PART
ajfti-4584	59	18	formal	formal	ADJ
ajfti-4584	59	19	financial	financial	ADJ
ajfti-4584	59	20	sector	sector	NOUN
ajfti-4584	59	21	and	and	CCONJ
ajfti-4584	59	22	consequently	consequently	ADV
ajfti-4584	59	23	improve	improve	VERB
ajfti-4584	59	24	the	the	DET
ajfti-4584	59	25	productivity	productivity	NOUN
ajfti-4584	59	26	and	and	CCONJ
ajfti-4584	59	27	growth	growth	NOUN
ajfti-4584	59	28	of	of	ADP
ajfti-4584	59	29	micro	micro	ADJ
ajfti-4584	59	30	and	and	CCONJ
ajfti-4584	59	31	small	small	ADJ
ajfti-4584	59	32	businesses	business	NOUN
ajfti-4584	59	33	.	.	PUNCT
ajfti-4584	60	1	when	when	SCONJ
ajfti-4584	60	2	a	a	DET
ajfti-4584	60	3	country	country	NOUN
ajfti-4584	60	4	’s	’s	PART
ajfti-4584	60	5	financial	financial	ADJ
ajfti-4584	60	6	system	system	NOUN
ajfti-4584	60	7	deepens	deepen	VERB
ajfti-4584	60	8	,	,	PUNCT
ajfti-4584	60	9	the	the	DET
ajfti-4584	60	10	supply	supply	NOUN
ajfti-4584	60	11	of	of	ADP
ajfti-4584	60	12	financial	financial	ADJ
ajfti-4584	60	13	products	product	NOUN
ajfti-4584	60	14	and	and	CCONJ
ajfti-4584	60	15	services	service	NOUN
ajfti-4584	60	16	will	will	AUX
ajfti-4584	60	17	also	also	ADV
ajfti-4584	60	18	increase	increase	VERB
ajfti-4584	60	19	.	.	PUNCT
ajfti-4584	61	1	thus	thus	ADV
ajfti-4584	61	2	,	,	PUNCT
ajfti-4584	61	3	better	well	ADJ
ajfti-4584	61	4	accessibility	accessibility	NOUN
ajfti-4584	61	5	of	of	ADP
ajfti-4584	61	6	formal	formal	ADJ
ajfti-4584	61	7	financial	financial	ADJ
ajfti-4584	61	8	products	product	NOUN
ajfti-4584	61	9	and	and	CCONJ
ajfti-4584	61	10	services	service	NOUN
ajfti-4584	61	11	by	by	ADP
ajfti-4584	61	12	underserved	underserved	ADJ
ajfti-4584	61	13	and	and	CCONJ
ajfti-4584	61	14	excluded	exclude	VERB
ajfti-4584	61	15	segments	segment	NOUN
ajfti-4584	61	16	of	of	ADP
ajfti-4584	61	17	the	the	DET
ajfti-4584	61	18	informal	informal	ADJ
ajfti-4584	61	19	sector	sector	NOUN
ajfti-4584	61	20	is	be	AUX
ajfti-4584	61	21	critical	critical	ADJ
ajfti-4584	61	22	to	to	ADP
ajfti-4584	61	23	promoting	promote	VERB
ajfti-4584	61	24	micro	micro	ADJ
ajfti-4584	61	25	-	-	ADJ
ajfti-4584	61	26	firm	firm	ADJ
ajfti-4584	61	27	productivity	productivity	NOUN
ajfti-4584	61	28	in	in	ADP
ajfti-4584	61	29	developing	develop	VERB
ajfti-4584	61	30	countries	country	NOUN
ajfti-4584	61	31	like	like	ADP
ajfti-4584	61	32	nigeria	nigeria	PROPN
ajfti-4584	61	33	.	.	PUNCT
ajfti-4584	62	1	empirically	empirically	ADV
ajfti-4584	62	2	,	,	PUNCT
ajfti-4584	62	3	many	many	ADJ
ajfti-4584	62	4	studies	study	NOUN
ajfti-4584	62	5	have	have	AUX
ajfti-4584	62	6	been	be	AUX
ajfti-4584	62	7	conducted	conduct	VERB
ajfti-4584	62	8	on	on	ADP
ajfti-4584	62	9	the	the	DET
ajfti-4584	62	10	direction	direction	NOUN
ajfti-4584	62	11	of	of	ADP
ajfti-4584	62	12	the	the	DET
ajfti-4584	62	13	relationship	relationship	NOUN
ajfti-4584	62	14	between	between	ADP
ajfti-4584	62	15	financial	financial	ADJ
ajfti-4584	62	16	inclusion	inclusion	NOUN
ajfti-4584	62	17	and	and	CCONJ
ajfti-4584	62	18	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	62	19	growth	growth	NOUN
ajfti-4584	62	20	in	in	ADP
ajfti-4584	62	21	different	different	ADJ
ajfti-4584	62	22	continents	continent	NOUN
ajfti-4584	62	23	and	and	CCONJ
ajfti-4584	62	24	across	across	ADP
ajfti-4584	62	25	countries	country	NOUN
ajfti-4584	62	26	.	.	PUNCT
ajfti-4584	63	1	from	from	ADP
ajfti-4584	63	2	latin	latin	PROPN
ajfti-4584	63	3	america	america	PROPN
ajfti-4584	63	4	,	,	PUNCT
ajfti-4584	63	5	mayorga	mayorga	PROPN
ajfti-4584	63	6	et	et	PROPN
ajfti-4584	63	7	al	al	PROPN
ajfti-4584	63	8	.	.	PROPN
ajfti-4584	64	1	(	(	PUNCT
ajfti-4584	64	2	2024	2024	NUM
ajfti-4584	64	3	)	)	PUNCT
ajfti-4584	64	4	employed	employ	VERB
ajfti-4584	64	5	panel	panel	NOUN
ajfti-4584	64	6	model	model	NOUN
ajfti-4584	64	7	regression	regression	NOUN
ajfti-4584	64	8	to	to	PART
ajfti-4584	64	9	analyse	analyse	VERB
ajfti-4584	64	10	longitudinal	longitudinal	ADJ
ajfti-4584	64	11	data	datum	NOUN
ajfti-4584	64	12	drawn	draw	VERB
ajfti-4584	64	13	from	from	ADP
ajfti-4584	64	14	21,825	21,825	NUM
ajfti-4584	64	15	columbian	columbian	ADJ
ajfti-4584	64	16	manufacturing	manufacturing	NOUN
ajfti-4584	64	17	microenterprises	microenterprise	NOUN
ajfti-4584	64	18	on	on	ADP
ajfti-4584	64	19	the	the	DET
ajfti-4584	64	20	relationship	relationship	NOUN
ajfti-4584	64	21	between	between	ADP
ajfti-4584	64	22	financial	financial	ADJ
ajfti-4584	64	23	inclusion	inclusion	NOUN
ajfti-4584	64	24	and	and	CCONJ
ajfti-4584	64	25	firm	firm	ADJ
ajfti-4584	64	26	growth	growth	NOUN
ajfti-4584	64	27	.	.	PUNCT
ajfti-4584	65	1	the	the	DET
ajfti-4584	65	2	study	study	NOUN
ajfti-4584	65	3	found	find	VERB
ajfti-4584	65	4	that	that	SCONJ
ajfti-4584	65	5	financial	financial	ADJ
ajfti-4584	65	6	inclusion	inclusion	NOUN
ajfti-4584	65	7	positively	positively	ADV
ajfti-4584	65	8	and	and	CCONJ
ajfti-4584	65	9	significantly	significantly	ADV
ajfti-4584	65	10	influences	influence	NOUN
ajfti-4584	65	11	micro	micro	ADJ
ajfti-4584	65	12	firms	firm	NOUN
ajfti-4584	65	13	’	’	PART
ajfti-4584	65	14	growth	growth	NOUN
ajfti-4584	65	15	in	in	ADP
ajfti-4584	65	16	columbia	columbia	PROPN
ajfti-4584	65	17	.	.	PUNCT
ajfti-4584	66	1	in	in	ADP
ajfti-4584	66	2	the	the	DET
ajfti-4584	66	3	middle	middle	PROPN
ajfti-4584	66	4	east	east	PROPN
ajfti-4584	66	5	,	,	PUNCT
ajfti-4584	66	6	zreik	zreik	NOUN
ajfti-4584	66	7	,	,	PUNCT
ajfti-4584	66	8	marzuki	marzuki	NOUN
ajfti-4584	66	9	,	,	PUNCT
ajfti-4584	66	10	and	and	CCONJ
ajfti-4584	66	11	iqbal	iqbal	PROPN
ajfti-4584	66	12	(	(	PUNCT
ajfti-4584	66	13	2023	2023	NUM
ajfti-4584	66	14	)	)	PUNCT
ajfti-4584	66	15	used	use	VERB
ajfti-4584	66	16	a	a	DET
ajfti-4584	66	17	qualitative	qualitative	ADJ
ajfti-4584	66	18	approach	approach	NOUN
ajfti-4584	66	19	to	to	PART
ajfti-4584	66	20	analyse	analyse	VERB
ajfti-4584	66	21	the	the	DET
ajfti-4584	66	22	effects	effect	NOUN
ajfti-4584	66	23	of	of	ADP
ajfti-4584	66	24	microfinance	microfinance	NOUN
ajfti-4584	66	25	on	on	ADP
ajfti-4584	66	26	chinese	chinese	ADJ
ajfti-4584	66	27	small	small	ADJ
ajfti-4584	66	28	business	business	NOUN
ajfti-4584	66	29	owners	owner	NOUN
ajfti-4584	66	30	and	and	CCONJ
ajfti-4584	66	31	discovered	discover	VERB
ajfti-4584	66	32	that	that	SCONJ
ajfti-4584	66	33	microcredit	microcredit	NOUN
ajfti-4584	66	34	is	be	AUX
ajfti-4584	66	35	very	very	ADV
ajfti-4584	66	36	important	important	ADJ
ajfti-4584	66	37	for	for	ADP
ajfti-4584	66	38	supporting	support	VERB
ajfti-4584	66	39	micro	micro	NOUN
ajfti-4584	66	40	-	-	NOUN
ajfti-4584	66	41	business	business	ADJ
ajfti-4584	66	42	owners	owner	NOUN
ajfti-4584	66	43	in	in	ADP
ajfti-4584	66	44	marginalized	marginalize	VERB
ajfti-4584	66	45	chinese	chinese	ADJ
ajfti-4584	66	46	communities	community	NOUN
ajfti-4584	66	47	.	.	PUNCT
ajfti-4584	67	1	the	the	DET
ajfti-4584	67	2	research	research	NOUN
ajfti-4584	67	3	study	study	NOUN
ajfti-4584	67	4	highlights	highlight	VERB
ajfti-4584	67	5	the	the	DET
ajfti-4584	67	6	significance	significance	NOUN
ajfti-4584	67	7	of	of	ADP
ajfti-4584	67	8	financial	financial	ADJ
ajfti-4584	67	9	inclusion	inclusion	NOUN
ajfti-4584	67	10	through	through	ADP
ajfti-4584	67	11	pa	pa	PROPN
ajfti-4584	67	12	ge	ge	PROPN
ajfti-4584	67	13	15	15	NUM
ajfti-4584	67	14	7	7	NUM
ajfti-4584	67	15	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-4584	67	16	am	be	AUX
ajfti-4584	67	17	.	.	PUNCT
ajfti-4584	68	1	j.	j.	PROPN
ajfti-4584	68	2	financ	financ	PROPN
ajfti-4584	68	3	.	.	PUNCT
ajfti-4584	69	1	technol	technol	PROPN
ajfti-4584	69	2	.	.	PUNCT
ajfti-4584	69	3	innov	innov	PROPN
ajfti-4584	69	4	.	.	PUNCT
ajfti-4584	70	1	3(1	3(1	NUM
ajfti-4584	70	2	)	)	PUNCT
ajfti-4584	70	3	155	155	NUM
ajfti-4584	70	4	-	-	SYM
ajfti-4584	70	5	161	161	NUM
ajfti-4584	70	6	,	,	PUNCT
ajfti-4584	70	7	2025	2025	NUM
ajfti-4584	70	8	microfinance	microfinance	NOUN
ajfti-4584	70	9	to	to	ADP
ajfti-4584	70	10	small	small	ADJ
ajfti-4584	70	11	business	business	NOUN
ajfti-4584	70	12	owners	owner	NOUN
ajfti-4584	70	13	in	in	ADP
ajfti-4584	70	14	china	china	PROPN
ajfti-4584	70	15	.	.	PUNCT
ajfti-4584	71	1	in	in	ADP
ajfti-4584	71	2	africa	africa	PROPN
ajfti-4584	71	3	,	,	PUNCT
ajfti-4584	71	4	bricknella	bricknella	NOUN
ajfti-4584	71	5	and	and	CCONJ
ajfti-4584	71	6	kertay	kertay	PROPN
ajfti-4584	71	7	(	(	PUNCT
ajfti-4584	71	8	2024	2024	NUM
ajfti-4584	71	9	)	)	PUNCT
ajfti-4584	71	10	employed	employ	VERB
ajfti-4584	71	11	content	content	NOUN
ajfti-4584	71	12	analysis	analysis	NOUN
ajfti-4584	71	13	to	to	PART
ajfti-4584	71	14	analyse	analyse	VERB
ajfti-4584	71	15	primary	primary	ADJ
ajfti-4584	71	16	data	datum	NOUN
ajfti-4584	71	17	obtained	obtain	VERB
ajfti-4584	71	18	through	through	ADP
ajfti-4584	71	19	focus	focus	NOUN
ajfti-4584	71	20	group	group	NOUN
ajfti-4584	71	21	discussions	discussion	NOUN
ajfti-4584	71	22	and	and	CCONJ
ajfti-4584	71	23	in	in	ADP
ajfti-4584	71	24	-	-	PUNCT
ajfti-4584	71	25	depth	depth	NOUN
ajfti-4584	71	26	interviews	interview	NOUN
ajfti-4584	71	27	on	on	ADP
ajfti-4584	71	28	the	the	DET
ajfti-4584	71	29	impact	impact	NOUN
ajfti-4584	71	30	of	of	ADP
ajfti-4584	71	31	financial	financial	ADJ
ajfti-4584	71	32	inclusion	inclusion	NOUN
ajfti-4584	71	33	on	on	ADP
ajfti-4584	71	34	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	71	35	in	in	ADP
ajfti-4584	71	36	south	south	PROPN
ajfti-4584	71	37	africa	africa	PROPN
ajfti-4584	71	38	.	.	PUNCT
ajfti-4584	72	1	the	the	DET
ajfti-4584	72	2	study	study	NOUN
ajfti-4584	72	3	establishes	establish	VERB
ajfti-4584	72	4	that	that	SCONJ
ajfti-4584	72	5	greater	great	ADJ
ajfti-4584	72	6	accessibility	accessibility	NOUN
ajfti-4584	72	7	of	of	ADP
ajfti-4584	72	8	financial	financial	ADJ
ajfti-4584	72	9	services	service	NOUN
ajfti-4584	72	10	promotes	promote	VERB
ajfti-4584	72	11	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	72	12	activities	activity	NOUN
ajfti-4584	72	13	in	in	ADP
ajfti-4584	72	14	the	the	DET
ajfti-4584	72	15	study	study	NOUN
ajfti-4584	72	16	area	area	NOUN
ajfti-4584	72	17	.	.	PUNCT
ajfti-4584	73	1	the	the	DET
ajfti-4584	73	2	work	work	NOUN
ajfti-4584	73	3	of	of	ADP
ajfti-4584	73	4	bricknella	bricknella	NOUN
ajfti-4584	73	5	and	and	CCONJ
ajfti-4584	73	6	kertay	kertay	NOUN
ajfti-4584	73	7	reinforces	reinforce	VERB
ajfti-4584	73	8	the	the	DET
ajfti-4584	73	9	evidence	evidence	NOUN
ajfti-4584	73	10	provided	provide	VERB
ajfti-4584	73	11	by	by	ADP
ajfti-4584	73	12	anthanasius	anthanasius	NOUN
ajfti-4584	73	13	-	-	PUNCT
ajfti-4584	73	14	fomum	fomum	NOUN
ajfti-4584	73	15	and	and	CCONJ
ajfti-4584	73	16	pieter	pieter	NOUN
ajfti-4584	73	17	(	(	PUNCT
ajfti-4584	73	18	2023	2023	NUM
ajfti-4584	73	19	)	)	PUNCT
ajfti-4584	73	20	who	who	PRON
ajfti-4584	73	21	found	find	VERB
ajfti-4584	73	22	through	through	ADP
ajfti-4584	73	23	quantile	quantile	ADJ
ajfti-4584	73	24	and	and	CCONJ
ajfti-4584	73	25	ordered	order	VERB
ajfti-4584	73	26	logit	logit	PROPN
ajfti-4584	73	27	model	model	NOUN
ajfti-4584	73	28	regressions	regression	NOUN
ajfti-4584	73	29	that	that	SCONJ
ajfti-4584	73	30	financial	financial	ADJ
ajfti-4584	73	31	inclusion	inclusion	NOUN
ajfti-4584	73	32	when	when	SCONJ
ajfti-4584	73	33	measured	measure	VERB
ajfti-4584	73	34	by	by	ADP
ajfti-4584	73	35	access	access	NOUN
ajfti-4584	73	36	to	to	ADP
ajfti-4584	73	37	financial	financial	ADJ
ajfti-4584	73	38	services	service	NOUN
ajfti-4584	73	39	and	and	CCONJ
ajfti-4584	73	40	savings	saving	NOUN
ajfti-4584	73	41	practices	practice	NOUN
ajfti-4584	73	42	has	have	VERB
ajfti-4584	73	43	positive	positive	ADJ
ajfti-4584	73	44	and	and	CCONJ
ajfti-4584	73	45	noticeable	noticeable	ADJ
ajfti-4584	73	46	impacts	impact	NOUN
ajfti-4584	73	47	on	on	ADP
ajfti-4584	73	48	the	the	DET
ajfti-4584	73	49	annual	annual	ADJ
ajfti-4584	73	50	profits	profit	NOUN
ajfti-4584	73	51	of	of	ADP
ajfti-4584	73	52	micro	micro	ADJ
ajfti-4584	73	53	firms	firm	NOUN
ajfti-4584	73	54	in	in	ADP
ajfti-4584	73	55	eswatini	eswatini	NOUN
ajfti-4584	73	56	.	.	PUNCT
ajfti-4584	74	1	in	in	ADP
ajfti-4584	74	2	the	the	DET
ajfti-4584	74	3	context	context	NOUN
ajfti-4584	74	4	of	of	ADP
ajfti-4584	74	5	nigerian	nigerian	ADJ
ajfti-4584	74	6	microenterprise	microenterprise	NOUN
ajfti-4584	74	7	,	,	PUNCT
ajfti-4584	74	8	anga	anga	PROPN
ajfti-4584	74	9	et	et	PROPN
ajfti-4584	74	10	al	al	PROPN
ajfti-4584	74	11	.	.	PROPN
ajfti-4584	75	1	(	(	PUNCT
ajfti-4584	75	2	2021	2021	NUM
ajfti-4584	75	3	)	)	PUNCT
ajfti-4584	75	4	uncovered	uncover	VERB
ajfti-4584	75	5	through	through	ADP
ajfti-4584	75	6	error	error	NOUN
ajfti-4584	75	7	correction	correction	NOUN
ajfti-4584	75	8	model	model	NOUN
ajfti-4584	75	9	(	(	PUNCT
ajfti-4584	75	10	ecm	ecm	NOUN
ajfti-4584	75	11	)	)	PUNCT
ajfti-4584	75	12	analysis	analysis	NOUN
ajfti-4584	75	13	of	of	ADP
ajfti-4584	75	14	time	time	NOUN
ajfti-4584	75	15	series	series	PROPN
ajfti-4584	75	16	data	datum	NOUN
ajfti-4584	75	17	that	that	SCONJ
ajfti-4584	75	18	there	there	PRON
ajfti-4584	75	19	is	be	VERB
ajfti-4584	75	20	a	a	DET
ajfti-4584	75	21	positive	positive	ADJ
ajfti-4584	75	22	relationship	relationship	NOUN
ajfti-4584	75	23	between	between	ADP
ajfti-4584	75	24	financial	financial	ADJ
ajfti-4584	75	25	inclusion	inclusion	NOUN
ajfti-4584	75	26	and	and	CCONJ
ajfti-4584	75	27	the	the	DET
ajfti-4584	75	28	performance	performance	NOUN
ajfti-4584	75	29	of	of	ADP
ajfti-4584	75	30	the	the	DET
ajfti-4584	75	31	sme	sme	NOUN
ajfti-4584	75	32	sector	sector	NOUN
ajfti-4584	75	33	.	.	PUNCT
ajfti-4584	76	1	this	this	DET
ajfti-4584	76	2	research	research	NOUN
ajfti-4584	76	3	study	study	NOUN
ajfti-4584	76	4	implies	imply	VERB
ajfti-4584	76	5	that	that	SCONJ
ajfti-4584	76	6	financial	financial	ADJ
ajfti-4584	76	7	inclusion	inclusion	NOUN
ajfti-4584	76	8	promotes	promote	VERB
ajfti-4584	76	9	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	76	10	in	in	ADP
ajfti-4584	76	11	nigeria	nigeria	PROPN
ajfti-4584	76	12	.	.	PUNCT
ajfti-4584	77	1	however	however	ADV
ajfti-4584	77	2	,	,	PUNCT
ajfti-4584	77	3	such	such	ADJ
ajfti-4584	77	4	evidence	evidence	NOUN
ajfti-4584	77	5	is	be	AUX
ajfti-4584	77	6	macro	macro	NOUN
ajfti-4584	77	7	-	-	NOUN
ajfti-4584	77	8	data	datum	NOUN
ajfti-4584	77	9	based	base	VERB
ajfti-4584	77	10	and	and	CCONJ
ajfti-4584	77	11	may	may	AUX
ajfti-4584	77	12	not	not	PART
ajfti-4584	77	13	accurately	accurately	ADV
ajfti-4584	77	14	reflect	reflect	VERB
ajfti-4584	77	15	real	real	ADJ
ajfti-4584	77	16	financial	financial	ADJ
ajfti-4584	77	17	inclusion	inclusion	NOUN
ajfti-4584	77	18	at	at	ADP
ajfti-4584	77	19	the	the	DET
ajfti-4584	77	20	micro	micro	ADJ
ajfti-4584	77	21	level	level	NOUN
ajfti-4584	77	22	.	.	PUNCT
ajfti-4584	78	1	the	the	DET
ajfti-4584	78	2	study	study	NOUN
ajfti-4584	78	3	by	by	ADP
ajfti-4584	78	4	anastesia	anastesia	PROPN
ajfti-4584	78	5	et	et	PROPN
ajfti-4584	78	6	al	al	PROPN
ajfti-4584	78	7	.	.	PROPN
ajfti-4584	78	8	(	(	PUNCT
ajfti-4584	78	9	2020	2020	NUM
ajfti-4584	78	10	)	)	PUNCT
ajfti-4584	78	11	also	also	ADV
ajfti-4584	78	12	used	use	VERB
ajfti-4584	78	13	macro	macro	ADJ
ajfti-4584	78	14	secondary	secondary	ADJ
ajfti-4584	78	15	data	datum	NOUN
ajfti-4584	78	16	and	and	CCONJ
ajfti-4584	78	17	the	the	DET
ajfti-4584	78	18	ecm	ecm	PROPN
ajfti-4584	78	19	approach	approach	NOUN
ajfti-4584	78	20	to	to	PART
ajfti-4584	78	21	estimate	estimate	VERB
ajfti-4584	78	22	the	the	DET
ajfti-4584	78	23	effects	effect	NOUN
ajfti-4584	78	24	of	of	ADP
ajfti-4584	78	25	financial	financial	ADJ
ajfti-4584	78	26	inclusion	inclusion	NOUN
ajfti-4584	78	27	on	on	ADP
ajfti-4584	78	28	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	78	29	growth	growth	NOUN
ajfti-4584	78	30	in	in	ADP
ajfti-4584	78	31	nigeria	nigeria	PROPN
ajfti-4584	78	32	and	and	CCONJ
ajfti-4584	78	33	found	find	VERB
ajfti-4584	78	34	that	that	SCONJ
ajfti-4584	78	35	commercial	commercial	ADJ
ajfti-4584	78	36	bank	bank	NOUN
ajfti-4584	78	37	branches	branch	NOUN
ajfti-4584	78	38	have	have	VERB
ajfti-4584	78	39	positive	positive	ADJ
ajfti-4584	78	40	and	and	CCONJ
ajfti-4584	78	41	significant	significant	ADJ
ajfti-4584	78	42	consequences	consequence	NOUN
ajfti-4584	78	43	for	for	ADP
ajfti-4584	78	44	the	the	DET
ajfti-4584	78	45	output	output	NOUN
ajfti-4584	78	46	growth	growth	NOUN
ajfti-4584	78	47	of	of	ADP
ajfti-4584	78	48	retail	retail	ADJ
ajfti-4584	78	49	and	and	CCONJ
ajfti-4584	78	50	wholesale	wholesale	ADJ
ajfti-4584	78	51	subsectors	subsector	NOUN
ajfti-4584	78	52	in	in	ADP
ajfti-4584	78	53	nigeria	nigeria	PROPN
ajfti-4584	78	54	.	.	PUNCT
ajfti-4584	79	1	however	however	ADV
ajfti-4584	79	2	,	,	PUNCT
ajfti-4584	79	3	even	even	ADV
ajfti-4584	79	4	though	though	SCONJ
ajfti-4584	79	5	education	education	NOUN
ajfti-4584	79	6	(	(	PUNCT
ajfti-4584	79	7	e.g.	e.g.	ADV
ajfti-4584	79	8	financial	financial	ADJ
ajfti-4584	79	9	education	education	NOUN
ajfti-4584	79	10	)	)	PUNCT
ajfti-4584	79	11	tends	tend	VERB
ajfti-4584	79	12	to	to	PART
ajfti-4584	79	13	influence	influence	VERB
ajfti-4584	79	14	the	the	DET
ajfti-4584	79	15	economic	economic	ADJ
ajfti-4584	79	16	behaviour	behaviour	NOUN
ajfti-4584	79	17	of	of	ADP
ajfti-4584	79	18	potential	potential	ADJ
ajfti-4584	79	19	credit	credit	NOUN
ajfti-4584	79	20	users	user	NOUN
ajfti-4584	79	21	to	to	PART
ajfti-4584	79	22	access	access	VERB
ajfti-4584	79	23	and	and	CCONJ
ajfti-4584	79	24	use	use	VERB
ajfti-4584	79	25	formal	formal	ADJ
ajfti-4584	79	26	services	service	NOUN
ajfti-4584	79	27	as	as	SCONJ
ajfti-4584	79	28	established	establish	VERB
ajfti-4584	79	29	by	by	ADP
ajfti-4584	79	30	mayorga	mayorga	PROPN
ajfti-4584	79	31	et	et	PROPN
ajfti-4584	79	32	al	al	PROPN
ajfti-4584	79	33	.	.	PROPN
ajfti-4584	80	1	(	(	PUNCT
ajfti-4584	80	2	2024	2024	NUM
ajfti-4584	80	3	)	)	PUNCT
ajfti-4584	80	4	no	no	DET
ajfti-4584	80	5	study	study	NOUN
ajfti-4584	80	6	from	from	ADP
ajfti-4584	80	7	available	available	ADJ
ajfti-4584	80	8	literature	literature	NOUN
ajfti-4584	80	9	has	have	AUX
ajfti-4584	80	10	treated	treat	VERB
ajfti-4584	80	11	education	education	NOUN
ajfti-4584	80	12	as	as	ADP
ajfti-4584	80	13	a	a	DET
ajfti-4584	80	14	possible	possible	ADJ
ajfti-4584	80	15	cause	cause	NOUN
ajfti-4584	80	16	of	of	ADP
ajfti-4584	80	17	endogeneity	endogeneity	NOUN
ajfti-4584	80	18	issue	issue	NOUN
ajfti-4584	80	19	that	that	PRON
ajfti-4584	80	20	can	can	AUX
ajfti-4584	80	21	lead	lead	VERB
ajfti-4584	80	22	to	to	ADP
ajfti-4584	80	23	misleading	misleading	ADJ
ajfti-4584	80	24	and	and	CCONJ
ajfti-4584	80	25	biased	biased	ADJ
ajfti-4584	80	26	result	result	NOUN
ajfti-4584	80	27	between	between	ADP
ajfti-4584	80	28	financial	financial	ADJ
ajfti-4584	80	29	inclusion	inclusion	NOUN
ajfti-4584	80	30	and	and	CCONJ
ajfti-4584	80	31	development	development	NOUN
ajfti-4584	80	32	of	of	ADP
ajfti-4584	80	33	micro	micro	NOUN
ajfti-4584	80	34	-	-	NOUN
ajfti-4584	80	35	businesses	business	NOUN
ajfti-4584	80	36	particularly	particularly	ADV
ajfti-4584	80	37	in	in	ADP
ajfti-4584	80	38	developing	develop	VERB
ajfti-4584	80	39	countries	country	NOUN
ajfti-4584	80	40	like	like	ADP
ajfti-4584	80	41	nigeria	nigeria	PROPN
ajfti-4584	80	42	.	.	PUNCT
ajfti-4584	81	1	consequent	consequent	ADJ
ajfti-4584	81	2	to	to	ADP
ajfti-4584	81	3	the	the	DET
ajfti-4584	81	4	development	development	NOUN
ajfti-4584	81	5	,	,	PUNCT
ajfti-4584	81	6	this	this	DET
ajfti-4584	81	7	study	study	NOUN
ajfti-4584	81	8	considers	consider	VERB
ajfti-4584	81	9	the	the	DET
ajfti-4584	81	10	possible	possible	ADJ
ajfti-4584	81	11	incidence	incidence	NOUN
ajfti-4584	81	12	of	of	ADP
ajfti-4584	81	13	endogeneity	endogeneity	NOUN
ajfti-4584	81	14	concern	concern	NOUN
ajfti-4584	81	15	in	in	ADP
ajfti-4584	81	16	the	the	DET
ajfti-4584	81	17	statistical	statistical	ADJ
ajfti-4584	81	18	estimation	estimation	NOUN
ajfti-4584	81	19	process	process	NOUN
ajfti-4584	81	20	using	use	VERB
ajfti-4584	81	21	an	an	DET
ajfti-4584	81	22	iv	iv	NUM
ajfti-4584	81	23	estimator	estimator	NOUN
ajfti-4584	81	24	.	.	PUNCT
ajfti-4584	82	1	again	again	ADV
ajfti-4584	82	2	,	,	PUNCT
ajfti-4584	82	3	this	this	DET
ajfti-4584	82	4	study	study	NOUN
ajfti-4584	82	5	attempts	attempt	VERB
ajfti-4584	82	6	to	to	PART
ajfti-4584	82	7	fill	fill	VERB
ajfti-4584	82	8	the	the	DET
ajfti-4584	82	9	void	void	NOUN
ajfti-4584	82	10	in	in	ADP
ajfti-4584	82	11	most	most	ADJ
ajfti-4584	82	12	past	past	ADJ
ajfti-4584	82	13	nigerian	nigerian	ADJ
ajfti-4584	82	14	studies	study	NOUN
ajfti-4584	82	15	on	on	ADP
ajfti-4584	82	16	macro	macro	ADJ
ajfti-4584	82	17	data	datum	NOUN
ajfti-4584	82	18	usage	usage	NOUN
ajfti-4584	82	19	.	.	PUNCT
ajfti-4584	83	1	as	as	SCONJ
ajfti-4584	83	2	stated	state	VERB
ajfti-4584	83	3	earlier	early	ADV
ajfti-4584	83	4	,	,	PUNCT
ajfti-4584	83	5	macro	macro	ADJ
ajfti-4584	83	6	data	datum	NOUN
ajfti-4584	83	7	employed	employ	VERB
ajfti-4584	83	8	by	by	ADP
ajfti-4584	83	9	anga	anga	PROPN
ajfti-4584	83	10	et	et	PROPN
ajfti-4584	83	11	al	al	PROPN
ajfti-4584	83	12	.	.	PROPN
ajfti-4584	84	1	(	(	PUNCT
ajfti-4584	84	2	2021	2021	NUM
ajfti-4584	84	3	)	)	PUNCT
ajfti-4584	84	4	;	;	PUNCT
ajfti-4584	84	5	anastesia	anastesia	NOUN
ajfti-4584	84	6	et	et	PROPN
ajfti-4584	84	7	al	al	PROPN
ajfti-4584	84	8	.	.	PROPN
ajfti-4584	85	1	(	(	PUNCT
ajfti-4584	85	2	2020	2020	NUM
ajfti-4584	85	3	)	)	PUNCT
ajfti-4584	86	1	;	;	PUNCT
ajfti-4584	86	2	ibekwe	ibekwe	VERB
ajfti-4584	86	3	et	et	PROPN
ajfti-4584	86	4	al	al	PROPN
ajfti-4584	86	5	.	.	PROPN
ajfti-4584	87	1	(	(	PUNCT
ajfti-4584	87	2	2021	2021	NUM
ajfti-4584	87	3	)	)	PUNCT
ajfti-4584	87	4	,	,	PUNCT
ajfti-4584	87	5	and	and	CCONJ
ajfti-4584	87	6	anisiuba	anisiuba	INTJ
ajfti-4584	87	7	et	et	PROPN
ajfti-4584	87	8	al	al	PROPN
ajfti-4584	87	9	.	.	PROPN
ajfti-4584	88	1	(	(	PUNCT
ajfti-4584	88	2	2020	2020	NUM
ajfti-4584	88	3	)	)	PUNCT
ajfti-4584	88	4	for	for	ADP
ajfti-4584	88	5	financial	financial	ADJ
ajfti-4584	88	6	inclusion	inclusion	NOUN
ajfti-4584	88	7	analysis	analysis	NOUN
ajfti-4584	88	8	for	for	ADP
ajfti-4584	88	9	microenterprises	microenterprise	NOUN
ajfti-4584	88	10	is	be	AUX
ajfti-4584	88	11	a	a	DET
ajfti-4584	88	12	misplaced	misplaced	ADJ
ajfti-4584	88	13	priority	priority	NOUN
ajfti-4584	88	14	and	and	CCONJ
ajfti-4584	88	15	purely	purely	ADV
ajfti-4584	88	16	an	an	DET
ajfti-4584	88	17	empirical	empirical	ADJ
ajfti-4584	88	18	flaw	flaw	NOUN
ajfti-4584	88	19	.	.	PUNCT
ajfti-4584	89	1	as	as	ADP
ajfti-4584	89	2	a	a	DET
ajfti-4584	89	3	result	result	NOUN
ajfti-4584	89	4	,	,	PUNCT
ajfti-4584	89	5	this	this	DET
ajfti-4584	89	6	study	study	NOUN
ajfti-4584	89	7	uses	use	VERB
ajfti-4584	89	8	primary	primary	ADJ
ajfti-4584	89	9	data	datum	NOUN
ajfti-4584	89	10	via	via	ADP
ajfti-4584	89	11	a	a	DET
ajfti-4584	89	12	structured	structured	ADJ
ajfti-4584	89	13	questionnaire	questionnaire	NOUN
ajfti-4584	89	14	to	to	PART
ajfti-4584	89	15	capture	capture	VERB
ajfti-4584	89	16	financial	financial	ADJ
ajfti-4584	89	17	inclusion	inclusion	NOUN
ajfti-4584	89	18	and	and	CCONJ
ajfti-4584	89	19	growth	growth	NOUN
ajfti-4584	89	20	of	of	ADP
ajfti-4584	89	21	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	89	22	at	at	ADP
ajfti-4584	89	23	the	the	DET
ajfti-4584	89	24	micro	micro	ADJ
ajfti-4584	89	25	level	level	NOUN
ajfti-4584	89	26	.	.	PUNCT
ajfti-4584	90	1	to	to	PART
ajfti-4584	90	2	overcome	overcome	VERB
ajfti-4584	90	3	the	the	DET
ajfti-4584	90	4	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	90	5	growth	growth	NOUN
ajfti-4584	90	6	measurement	measurement	NOUN
ajfti-4584	90	7	issue	issue	NOUN
ajfti-4584	90	8	,	,	PUNCT
ajfti-4584	90	9	this	this	DET
ajfti-4584	90	10	study	study	NOUN
ajfti-4584	90	11	follows	follow	VERB
ajfti-4584	90	12	the	the	DET
ajfti-4584	90	13	approach	approach	NOUN
ajfti-4584	90	14	of	of	ADP
ajfti-4584	90	15	fowowe	fowowe	NOUN
ajfti-4584	90	16	(	(	PUNCT
ajfti-4584	90	17	2017	2017	NUM
ajfti-4584	90	18	)	)	PUNCT
ajfti-4584	90	19	which	which	PRON
ajfti-4584	90	20	had	have	AUX
ajfti-4584	90	21	earlier	early	ADV
ajfti-4584	90	22	been	be	AUX
ajfti-4584	90	23	employed	employ	VERB
ajfti-4584	90	24	by	by	ADP
ajfti-4584	90	25	dinh	dinh	NOUN
ajfti-4584	90	26	et	et	PROPN
ajfti-4584	90	27	al	al	PROPN
ajfti-4584	90	28	(	(	PUNCT
ajfti-4584	90	29	2012	2012	NUM
ajfti-4584	90	30	)	)	PUNCT
ajfti-4584	90	31	,	,	PUNCT
ajfti-4584	90	32	and	and	CCONJ
ajfti-4584	90	33	aterido	aterido	PROPN
ajfti-4584	90	34	et	et	PROPN
ajfti-4584	90	35	al	al	PROPN
ajfti-4584	90	36	(	(	PUNCT
ajfti-4584	90	37	2011	2011	NUM
ajfti-4584	90	38	)	)	PUNCT
ajfti-4584	90	39	to	to	PART
ajfti-4584	90	40	measure	measure	VERB
ajfti-4584	90	41	microenterprise	microenterprise	VERB
ajfti-4584	90	42	growth	growth	NOUN
ajfti-4584	90	43	by	by	ADP
ajfti-4584	90	44	using	use	VERB
ajfti-4584	90	45	a	a	DET
ajfti-4584	90	46	three	three	NUM
ajfti-4584	90	47	-	-	PUNCT
ajfti-4584	90	48	year	year	NOUN
ajfti-4584	90	49	employment	employment	NOUN
ajfti-4584	90	50	growth	growth	NOUN
ajfti-4584	90	51	variable	variable	NOUN
ajfti-4584	90	52	before	before	ADP
ajfti-4584	90	53	the	the	DET
ajfti-4584	90	54	current	current	ADJ
ajfti-4584	90	55	research	research	NOUN
ajfti-4584	90	56	survey	survey	NOUN
ajfti-4584	90	57	year	year	NOUN
ajfti-4584	90	58	.	.	PUNCT
ajfti-4584	91	1	materials	material	NOUN
ajfti-4584	91	2	and	and	CCONJ
ajfti-4584	91	3	methods	method	NOUN
ajfti-4584	91	4	this	this	DET
ajfti-4584	91	5	study	study	NOUN
ajfti-4584	91	6	causal	causal	ADJ
ajfti-4584	91	7	effect	effect	NOUN
ajfti-4584	91	8	of	of	ADP
ajfti-4584	91	9	financial	financial	ADJ
ajfti-4584	91	10	inclusion	inclusion	NOUN
ajfti-4584	91	11	on	on	ADP
ajfti-4584	91	12	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	91	13	growth	growth	NOUN
ajfti-4584	91	14	specifically	specifically	ADV
ajfti-4584	91	15	microenterprises	microenterprise	VERB
ajfti-4584	91	16	growth	growth	NOUN
ajfti-4584	91	17	in	in	ADP
ajfti-4584	91	18	nigeria	nigeria	PROPN
ajfti-4584	91	19	within	within	ADP
ajfti-4584	91	20	the	the	DET
ajfti-4584	91	21	supply	supply	NOUN
ajfti-4584	91	22	leading	lead	VERB
ajfti-4584	91	23	hypothesis	hypothesis	NOUN
ajfti-4584	91	24	(	(	PUNCT
ajfti-4584	91	25	slh	slh	PROPN
ajfti-4584	91	26	)	)	PUNCT
ajfti-4584	91	27	framework	framework	NOUN
ajfti-4584	91	28	.	.	PUNCT
ajfti-4584	92	1	the	the	DET
ajfti-4584	92	2	study	study	NOUN
ajfti-4584	92	3	adopts	adopt	VERB
ajfti-4584	92	4	a	a	DET
ajfti-4584	92	5	survey	survey	NOUN
ajfti-4584	92	6	research	research	NOUN
ajfti-4584	92	7	design	design	NOUN
ajfti-4584	92	8	.	.	PUNCT
ajfti-4584	93	1	this	this	DET
ajfti-4584	93	2	research	research	NOUN
ajfti-4584	93	3	design	design	NOUN
ajfti-4584	93	4	allows	allow	VERB
ajfti-4584	93	5	a	a	DET
ajfti-4584	93	6	researcher	researcher	NOUN
ajfti-4584	93	7	to	to	PART
ajfti-4584	93	8	gather	gather	VERB
ajfti-4584	93	9	opinions	opinion	NOUN
ajfti-4584	93	10	and	and	CCONJ
ajfti-4584	93	11	perceptions	perception	NOUN
ajfti-4584	93	12	of	of	ADP
ajfti-4584	93	13	units	unit	NOUN
ajfti-4584	93	14	of	of	ADP
ajfti-4584	93	15	analysis	analysis	NOUN
ajfti-4584	93	16	on	on	ADP
ajfti-4584	93	17	certain	certain	ADJ
ajfti-4584	93	18	measured	measured	ADJ
ajfti-4584	93	19	variables	variable	NOUN
ajfti-4584	93	20	of	of	ADP
ajfti-4584	93	21	interest	interest	NOUN
ajfti-4584	93	22	in	in	ADP
ajfti-4584	93	23	a	a	DET
ajfti-4584	93	24	research	research	NOUN
ajfti-4584	93	25	study	study	NOUN
ajfti-4584	93	26	.	.	PUNCT
ajfti-4584	94	1	the	the	DET
ajfti-4584	94	2	study	study	NOUN
ajfti-4584	94	3	area	area	NOUN
ajfti-4584	94	4	in	in	ADP
ajfti-4584	94	5	focus	focus	NOUN
ajfti-4584	94	6	is	be	AUX
ajfti-4584	94	7	abeokuta	abeokuta	PROPN
ajfti-4584	94	8	metropolis	metropolis	NOUN
ajfti-4584	94	9	.	.	PUNCT
ajfti-4584	95	1	the	the	DET
ajfti-4584	95	2	study	study	NOUN
ajfti-4584	95	3	city	city	NOUN
ajfti-4584	95	4	,	,	PUNCT
ajfti-4584	95	5	abeokuta	abeokuta	PROPN
ajfti-4584	95	6	,	,	PUNCT
ajfti-4584	95	7	is	be	AUX
ajfti-4584	95	8	the	the	DET
ajfti-4584	95	9	capital	capital	NOUN
ajfti-4584	95	10	of	of	ADP
ajfti-4584	95	11	ogun	ogun	PROPN
ajfti-4584	95	12	state	state	PROPN
ajfti-4584	95	13	,	,	PUNCT
ajfti-4584	95	14	nigeria	nigeria	PROPN
ajfti-4584	95	15	.	.	PUNCT
ajfti-4584	96	1	the	the	DET
ajfti-4584	96	2	ancient	ancient	ADJ
ajfti-4584	96	3	city	city	NOUN
ajfti-4584	96	4	is	be	AUX
ajfti-4584	96	5	a	a	DET
ajfti-4584	96	6	commercial	commercial	ADJ
ajfti-4584	96	7	centre	centre	NOUN
ajfti-4584	96	8	with	with	ADP
ajfti-4584	96	9	a	a	DET
ajfti-4584	96	10	large	large	ADJ
ajfti-4584	96	11	number	number	NOUN
ajfti-4584	96	12	of	of	ADP
ajfti-4584	96	13	microenterprises	microenterprise	NOUN
ajfti-4584	96	14	including	include	VERB
ajfti-4584	96	15	both	both	CCONJ
ajfti-4584	96	16	formal	formal	ADJ
ajfti-4584	96	17	and	and	CCONJ
ajfti-4584	96	18	informal	informal	ADJ
ajfti-4584	96	19	small	small	ADJ
ajfti-4584	96	20	outlets	outlet	NOUN
ajfti-4584	96	21	.	.	PUNCT
ajfti-4584	97	1	relatively	relatively	ADV
ajfti-4584	97	2	,	,	PUNCT
ajfti-4584	97	3	this	this	DET
ajfti-4584	97	4	study	study	NOUN
ajfti-4584	97	5	specifically	specifically	ADV
ajfti-4584	97	6	focuses	focus	VERB
ajfti-4584	97	7	on	on	ADP
ajfti-4584	97	8	formal	formal	ADJ
ajfti-4584	97	9	microenterprises	microenterprise	NOUN
ajfti-4584	97	10	in	in	ADP
ajfti-4584	97	11	the	the	DET
ajfti-4584	97	12	study	study	NOUN
ajfti-4584	97	13	area	area	NOUN
ajfti-4584	97	14	.	.	PUNCT
ajfti-4584	98	1	in	in	ADP
ajfti-4584	98	2	this	this	DET
ajfti-4584	98	3	study	study	NOUN
ajfti-4584	98	4	,	,	PUNCT
ajfti-4584	98	5	formal	formal	ADJ
ajfti-4584	98	6	microenterprises	microenterprise	NOUN
ajfti-4584	98	7	in	in	ADP
ajfti-4584	98	8	the	the	DET
ajfti-4584	98	9	selected	select	VERB
ajfti-4584	98	10	environment	environment	NOUN
ajfti-4584	98	11	are	be	AUX
ajfti-4584	98	12	those	those	DET
ajfti-4584	98	13	little	little	ADJ
ajfti-4584	98	14	capital	capital	NOUN
ajfti-4584	98	15	-	-	PUNCT
ajfti-4584	98	16	based	base	VERB
ajfti-4584	98	17	(	(	PUNCT
ajfti-4584	98	18	between	between	ADP
ajfti-4584	98	19	1	1	NUM
ajfti-4584	98	20	naira	naira	NUM
ajfti-4584	98	21	and	and	CCONJ
ajfti-4584	98	22	5	5	NUM
ajfti-4584	98	23	million	million	NUM
ajfti-4584	98	24	naira	naira	NOUN
ajfti-4584	98	25	)	)	PUNCT
ajfti-4584	98	26	businesses	business	NOUN
ajfti-4584	98	27	registered	register	VERB
ajfti-4584	98	28	with	with	ADP
ajfti-4584	98	29	the	the	DET
ajfti-4584	98	30	corporate	corporate	PROPN
ajfti-4584	98	31	affairs	affairs	PROPN
ajfti-4584	98	32	commission	commission	PROPN
ajfti-4584	98	33	(	(	PUNCT
ajfti-4584	98	34	cac	cac	PROPN
ajfti-4584	98	35	)	)	PUNCT
ajfti-4584	98	36	and	and	CCONJ
ajfti-4584	98	37	obtained	obtain	VERB
ajfti-4584	98	38	business	business	NOUN
ajfti-4584	98	39	certificates	certificate	NOUN
ajfti-4584	98	40	as	as	ADP
ajfti-4584	98	41	evidence	evidence	NOUN
ajfti-4584	98	42	.	.	PUNCT
ajfti-4584	99	1	in	in	ADP
ajfti-4584	99	2	other	other	ADJ
ajfti-4584	99	3	words	word	NOUN
ajfti-4584	99	4	,	,	PUNCT
ajfti-4584	99	5	the	the	DET
ajfti-4584	99	6	total	total	ADJ
ajfti-4584	99	7	number	number	NOUN
ajfti-4584	99	8	of	of	ADP
ajfti-4584	99	9	all	all	DET
ajfti-4584	99	10	formal	formal	ADJ
ajfti-4584	99	11	microenterprises	microenterprise	NOUN
ajfti-4584	99	12	in	in	ADP
ajfti-4584	99	13	the	the	DET
ajfti-4584	99	14	study	study	NOUN
ajfti-4584	99	15	area	area	NOUN
ajfti-4584	99	16	represents	represent	VERB
ajfti-4584	99	17	the	the	DET
ajfti-4584	99	18	population	population	NOUN
ajfti-4584	99	19	.	.	PUNCT
ajfti-4584	100	1	however	however	ADV
ajfti-4584	100	2	,	,	PUNCT
ajfti-4584	100	3	in	in	ADP
ajfti-4584	100	4	terms	term	NOUN
ajfti-4584	100	5	of	of	ADP
ajfti-4584	100	6	the	the	DET
ajfti-4584	100	7	figure	figure	NOUN
ajfti-4584	100	8	,	,	PUNCT
ajfti-4584	100	9	the	the	DET
ajfti-4584	100	10	population	population	NOUN
ajfti-4584	100	11	size	size	NOUN
ajfti-4584	100	12	is	be	AUX
ajfti-4584	100	13	unknown	unknown	ADJ
ajfti-4584	100	14	and	and	CCONJ
ajfti-4584	100	15	infinite	infinite	ADJ
ajfti-4584	100	16	.	.	PUNCT
ajfti-4584	101	1	this	this	DET
ajfti-4584	101	2	situation	situation	NOUN
ajfti-4584	101	3	led	lead	VERB
ajfti-4584	101	4	to	to	ADP
ajfti-4584	101	5	the	the	DET
ajfti-4584	101	6	researchers	researcher	NOUN
ajfti-4584	101	7	’	’	PART
ajfti-4584	101	8	decision	decision	NOUN
ajfti-4584	101	9	to	to	PART
ajfti-4584	101	10	use	use	VERB
ajfti-4584	101	11	a	a	DET
ajfti-4584	101	12	sample	sample	NOUN
ajfti-4584	101	13	size	size	NOUN
ajfti-4584	101	14	formula	formula	NOUN
ajfti-4584	101	15	for	for	ADP
ajfti-4584	101	16	an	an	DET
ajfti-4584	101	17	unknown	unknown	ADJ
ajfti-4584	101	18	population	population	NOUN
ajfti-4584	101	19	size	size	NOUN
ajfti-4584	101	20	as	as	SCONJ
ajfti-4584	101	21	recommended	recommend	VERB
ajfti-4584	101	22	by	by	ADP
ajfti-4584	101	23	krejcie	krejcie	NOUN
ajfti-4584	101	24	and	and	CCONJ
ajfti-4584	101	25	morgan	morgan	PROPN
ajfti-4584	101	26	(	(	PUNCT
ajfti-4584	101	27	1970	1970	NUM
ajfti-4584	101	28	)	)	PUNCT
ajfti-4584	101	29	.	.	PUNCT
ajfti-4584	102	1	consequently	consequently	ADV
ajfti-4584	102	2	,	,	PUNCT
ajfti-4584	102	3	a	a	DET
ajfti-4584	102	4	sample	sample	NOUN
ajfti-4584	102	5	size	size	NOUN
ajfti-4584	102	6	of	of	ADP
ajfti-4584	102	7	384	384	NUM
ajfti-4584	102	8	microenterprises	microenterprise	NOUN
ajfti-4584	102	9	was	be	AUX
ajfti-4584	102	10	determined	determine	VERB
ajfti-4584	102	11	.	.	PUNCT
ajfti-4584	103	1	these	these	DET
ajfti-4584	103	2	microenterprises	microenterprise	NOUN
ajfti-4584	103	3	are	be	AUX
ajfti-4584	103	4	represented	represent	VERB
ajfti-4584	103	5	by	by	ADP
ajfti-4584	103	6	firm	firm	ADJ
ajfti-4584	103	7	owners	owner	NOUN
ajfti-4584	103	8	or	or	CCONJ
ajfti-4584	103	9	managers	manager	NOUN
ajfti-4584	103	10	where	where	SCONJ
ajfti-4584	103	11	appropriate	appropriate	ADJ
ajfti-4584	103	12	.	.	PUNCT
ajfti-4584	104	1	the	the	DET
ajfti-4584	104	2	study	study	NOUN
ajfti-4584	104	3	uses	use	VERB
ajfti-4584	104	4	a	a	DET
ajfti-4584	104	5	systematic	systematic	ADJ
ajfti-4584	104	6	random	random	ADJ
ajfti-4584	104	7	sampling	sampling	NOUN
ajfti-4584	104	8	technique	technique	NOUN
ajfti-4584	104	9	to	to	PART
ajfti-4584	104	10	select	select	VERB
ajfti-4584	104	11	every	every	DET
ajfti-4584	104	12	fifth	fifth	ADJ
ajfti-4584	104	13	microenterprise	microenterprise	NOUN
ajfti-4584	104	14	approach	approach	NOUN
ajfti-4584	104	15	during	during	ADP
ajfti-4584	104	16	the	the	DET
ajfti-4584	104	17	observational	observational	ADJ
ajfti-4584	104	18	data	data	NOUN
ajfti-4584	104	19	collection	collection	NOUN
ajfti-4584	104	20	process	process	NOUN
ajfti-4584	104	21	.	.	PUNCT
ajfti-4584	105	1	in	in	ADP
ajfti-4584	105	2	line	line	NOUN
ajfti-4584	105	3	with	with	ADP
ajfti-4584	105	4	the	the	DET
ajfti-4584	105	5	study	study	NOUN
ajfti-4584	105	6	’s	’s	PART
ajfti-4584	105	7	goal	goal	NOUN
ajfti-4584	105	8	,	,	PUNCT
ajfti-4584	105	9	an	an	DET
ajfti-4584	105	10	empirical	empirical	ADJ
ajfti-4584	105	11	financial	financial	ADJ
ajfti-4584	105	12	inclusioninduced	inclusioninduce	VERB
ajfti-4584	105	13	growth	growth	NOUN
ajfti-4584	105	14	model	model	NOUN
ajfti-4584	105	15	based	base	VERB
ajfti-4584	105	16	on	on	ADP
ajfti-4584	105	17	the	the	DET
ajfti-4584	105	18	supply	supply	NOUN
ajfti-4584	105	19	-	-	PUNCT
ajfti-4584	105	20	leading	lead	VERB
ajfti-4584	105	21	hypothesis	hypothesis	NOUN
ajfti-4584	105	22	is	be	AUX
ajfti-4584	105	23	stated	state	VERB
ajfti-4584	105	24	below	below	ADV
ajfti-4584	105	25	.	.	PUNCT
ajfti-4584	106	1	emgi=	emgi=	PUNCT
ajfti-4584	107	1	α+	α+	PRON
ajfti-4584	107	2	β1	β1	NOUN
ajfti-4584	107	3	fici+	fici+	NOUN
ajfti-4584	107	4	εi	εi	PRON
ajfti-4584	107	5	…	…	PUNCT
ajfti-4584	107	6	…	…	PUNCT
ajfti-4584	107	7	…	…	PUNCT
ajfti-4584	107	8	…	…	PUNCT
ajfti-4584	107	9	.(2	.(2	NOUN
ajfti-4584	107	10	)	)	PUNCT
ajfti-4584	107	11	where	where	SCONJ
ajfti-4584	107	12	;	;	PUNCT
ajfti-4584	107	13	emg=	emg=	PROPN
ajfti-4584	107	14	employment	employment	NOUN
ajfti-4584	107	15	growth	growth	NOUN
ajfti-4584	107	16	;	;	PUNCT
ajfti-4584	107	17	emgi=	emgi=	NUM
ajfti-4584	107	18	(	(	PUNCT
ajfti-4584	107	19	emgn	emgn	NOUN
ajfti-4584	107	20	-	-	PUNCT
ajfti-4584	107	21	emg(n-3))/emgn	emg(n-3))/emgn	NOUN
ajfti-4584	107	22	;	;	PUNCT
ajfti-4584	107	23	emgn=	emgn=	ADJ
ajfti-4584	107	24	firm	firm	ADJ
ajfti-4584	107	25	employment	employment	NOUN
ajfti-4584	107	26	level	level	NOUN
ajfti-4584	107	27	three	three	NUM
ajfti-4584	107	28	years	year	NOUN
ajfti-4584	107	29	ago	ago	ADV
ajfti-4584	107	30	(	(	PUNCT
ajfti-4584	107	31	2021	2021	NUM
ajfti-4584	107	32	)	)	PUNCT
ajfti-4584	107	33	and	and	CCONJ
ajfti-4584	107	34	emg(n-3)=	emg(n-3)=	NUM
ajfti-4584	107	35	firm	firm	ADJ
ajfti-4584	107	36	employment	employment	NOUN
ajfti-4584	107	37	level	level	NOUN
ajfti-4584	107	38	in	in	ADP
ajfti-4584	107	39	the	the	DET
ajfti-4584	107	40	current	current	ADJ
ajfti-4584	107	41	year	year	NOUN
ajfti-4584	107	42	(	(	PUNCT
ajfti-4584	107	43	2024	2024	NUM
ajfti-4584	107	44	)	)	PUNCT
ajfti-4584	107	45	α	α	NOUN
ajfti-4584	107	46	=	=	NOUN
ajfti-4584	107	47	model	model	NOUN
ajfti-4584	107	48	intercept	intercept	NOUN
ajfti-4584	107	49	;	;	PUNCT
ajfti-4584	107	50	fic	fic	ADJ
ajfti-4584	107	51	=	=	PROPN
ajfti-4584	107	52	financial	financial	ADJ
ajfti-4584	107	53	inclusion	inclusion	NOUN
ajfti-4584	107	54	;	;	PUNCT
ajfti-4584	107	55	β1	β1	PROPN
ajfti-4584	107	56	=	=	SYM
ajfti-4584	107	57	slope	slope	NOUN
ajfti-4584	107	58	coefficient	coefficient	NOUN
ajfti-4584	107	59	of	of	ADP
ajfti-4584	107	60	fic	fic	NOUN
ajfti-4584	107	61	;	;	PUNCT
ajfti-4584	107	62	ε	ε	PROPN
ajfti-4584	107	63	=	=	SYM
ajfti-4584	107	64	error	error	NOUN
ajfti-4584	107	65	term	term	NOUN
ajfti-4584	107	66	;	;	PUNCT
ajfti-4584	107	67	i	i	PRON
ajfti-4584	107	68	=	=	SYM
ajfti-4584	107	69	individual	individual	ADJ
ajfti-4584	107	70	microentrepreneur	microentrepreneur	NOUN
ajfti-4584	107	71	.	.	PUNCT
ajfti-4584	108	1	furthermore	furthermore	ADV
ajfti-4584	108	2	,	,	PUNCT
ajfti-4584	108	3	relying	rely	VERB
ajfti-4584	108	4	on	on	ADP
ajfti-4584	108	5	three	three	NUM
ajfti-4584	108	6	dimensions	dimension	NOUN
ajfti-4584	108	7	of	of	ADP
ajfti-4584	108	8	financial	financial	ADJ
ajfti-4584	108	9	inclusion	inclusion	NOUN
ajfti-4584	108	10	as	as	SCONJ
ajfti-4584	108	11	previously	previously	ADV
ajfti-4584	108	12	established	establish	VERB
ajfti-4584	108	13	in	in	ADP
ajfti-4584	108	14	the	the	DET
ajfti-4584	108	15	literature	literature	NOUN
ajfti-4584	108	16	review	review	NOUN
ajfti-4584	108	17	section	section	NOUN
ajfti-4584	108	18	equation	equation	NOUN
ajfti-4584	108	19	(	(	PUNCT
ajfti-4584	108	20	2	2	X
ajfti-4584	108	21	)	)	PUNCT
ajfti-4584	108	22	can	can	AUX
ajfti-4584	108	23	be	be	AUX
ajfti-4584	108	24	expanded	expand	VERB
ajfti-4584	108	25	in	in	ADP
ajfti-4584	108	26	equation	equation	NOUN
ajfti-4584	108	27	(	(	PUNCT
ajfti-4584	108	28	3	3	NUM
ajfti-4584	108	29	)	)	PUNCT
ajfti-4584	108	30	as	as	ADP
ajfti-4584	108	31	:	:	PUNCT
ajfti-4584	108	32	emgi=	emgi=	NUM
ajfti-4584	108	33	α+	α+	X
ajfti-4584	108	34	β2acci+β3avli+β4fagi+εi	β2acci+β3avli+β4fagi+εi	NOUN
ajfti-4584	108	35	…	…	PUNCT
ajfti-4584	108	36	…	…	PUNCT
ajfti-4584	108	37	…	…	PUNCT
ajfti-4584	108	38	(	(	PUNCT
ajfti-4584	108	39	3	3	NUM
ajfti-4584	108	40	)	)	PUNCT
ajfti-4584	108	41	where	where	SCONJ
ajfti-4584	108	42	;	;	PUNCT
ajfti-4584	108	43	acc=	acc=	ADJ
ajfti-4584	108	44	accessibility	accessibility	NOUN
ajfti-4584	108	45	(	(	PUNCT
ajfti-4584	108	46	financial	financial	ADJ
ajfti-4584	108	47	inclusion	inclusion	NOUN
ajfti-4584	108	48	dimension	dimension	NOUN
ajfti-4584	108	49	)	)	PUNCT
ajfti-4584	108	50	;	;	PUNCT
ajfti-4584	108	51	avl=	avl=	PROPN
ajfti-4584	108	52	availability	availability	NOUN
ajfti-4584	108	53	(	(	PUNCT
ajfti-4584	108	54	financial	financial	ADJ
ajfti-4584	108	55	inclusion	inclusion	NOUN
ajfti-4584	108	56	dimension	dimension	NOUN
ajfti-4584	108	57	)	)	PUNCT
ajfti-4584	108	58	;	;	PUNCT
ajfti-4584	108	59	fag=	fag=	ADJ
ajfti-4584	108	60	firm	firm	ADJ
ajfti-4584	108	61	age	age	NOUN
ajfti-4584	108	62	(	(	PUNCT
ajfti-4584	108	63	control	control	NOUN
ajfti-4584	108	64	variable	variable	NOUN
ajfti-4584	108	65	)	)	PUNCT
ajfti-4584	108	66	;	;	PUNCT
ajfti-4584	108	67	β2β4	β2β4	X
ajfti-4584	108	68	are	be	AUX
ajfti-4584	108	69	slope	slope	NOUN
ajfti-4584	108	70	coefficients	coefficient	NOUN
ajfti-4584	108	71	of	of	ADP
ajfti-4584	108	72	the	the	DET
ajfti-4584	108	73	three	three	NUM
ajfti-4584	108	74	dimensions	dimension	NOUN
ajfti-4584	108	75	of	of	ADP
ajfti-4584	108	76	financial	financial	ADJ
ajfti-4584	108	77	inclusion	inclusion	NOUN
ajfti-4584	108	78	and	and	CCONJ
ajfti-4584	108	79	β2	β2	NOUN
ajfti-4584	108	80	=	=	NOUN
ajfti-4584	108	81	slope	slope	NOUN
ajfti-4584	108	82	coefficient	coefficient	NOUN
ajfti-4584	108	83	of	of	ADP
ajfti-4584	108	84	control	control	NOUN
ajfti-4584	108	85	variable	variable	NOUN
ajfti-4584	108	86	.	.	PUNCT
ajfti-4584	109	1	consequent	consequent	ADJ
ajfti-4584	109	2	upon	upon	SCONJ
ajfti-4584	109	3	equation	equation	NOUN
ajfti-4584	109	4	(	(	PUNCT
ajfti-4584	109	5	3	3	NUM
ajfti-4584	109	6	)	)	PUNCT
ajfti-4584	109	7	,	,	PUNCT
ajfti-4584	109	8	the	the	DET
ajfti-4584	109	9	study	study	NOUN
ajfti-4584	109	10	adopts	adopt	VERB
ajfti-4584	109	11	educational	educational	ADJ
ajfti-4584	109	12	level	level	NOUN
ajfti-4584	109	13	as	as	ADP
ajfti-4584	109	14	an	an	DET
ajfti-4584	109	15	appropriate	appropriate	ADJ
ajfti-4584	109	16	instrumental	instrumental	ADJ
ajfti-4584	109	17	variable	variable	NOUN
ajfti-4584	109	18	pa	pa	PROPN
ajfti-4584	109	19	ge	ge	PROPN
ajfti-4584	109	20	15	15	NUM
ajfti-4584	109	21	8	8	NUM
ajfti-4584	109	22	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-4584	109	23	am	be	AUX
ajfti-4584	109	24	.	.	PUNCT
ajfti-4584	110	1	j.	j.	PROPN
ajfti-4584	110	2	financ	financ	PROPN
ajfti-4584	110	3	.	.	PUNCT
ajfti-4584	111	1	technol	technol	PROPN
ajfti-4584	111	2	.	.	PUNCT
ajfti-4584	111	3	innov	innov	PROPN
ajfti-4584	111	4	.	.	PUNCT
ajfti-4584	112	1	3(1	3(1	NUM
ajfti-4584	112	2	)	)	PUNCT
ajfti-4584	112	3	155	155	NUM
ajfti-4584	112	4	-	-	SYM
ajfti-4584	112	5	161	161	NUM
ajfti-4584	112	6	,	,	PUNCT
ajfti-4584	112	7	2025	2025	NUM
ajfti-4584	112	8	to	to	PART
ajfti-4584	112	9	correct	correct	VERB
ajfti-4584	112	10	for	for	ADP
ajfti-4584	112	11	possible	possible	ADJ
ajfti-4584	112	12	endogeneity	endogeneity	NOUN
ajfti-4584	112	13	issues	issue	NOUN
ajfti-4584	112	14	in	in	ADP
ajfti-4584	112	15	an	an	DET
ajfti-4584	112	16	expanded	expand	VERB
ajfti-4584	112	17	equation	equation	NOUN
ajfti-4584	112	18	(	(	PUNCT
ajfti-4584	112	19	3	3	NUM
ajfti-4584	112	20	)	)	PUNCT
ajfti-4584	112	21	.	.	PUNCT
ajfti-4584	113	1	without	without	ADP
ajfti-4584	113	2	this	this	DET
ajfti-4584	113	3	practice	practice	NOUN
ajfti-4584	113	4	,	,	PUNCT
ajfti-4584	113	5	all	all	DET
ajfti-4584	113	6	slope	slope	NOUN
ajfti-4584	113	7	coefficients	coefficient	NOUN
ajfti-4584	113	8	in	in	ADP
ajfti-4584	113	9	equation	equation	NOUN
ajfti-4584	113	10	(	(	PUNCT
ajfti-4584	113	11	3	3	X
ajfti-4584	113	12	)	)	PUNCT
ajfti-4584	113	13	will	will	AUX
ajfti-4584	113	14	yield	yield	VERB
ajfti-4584	113	15	biased	biased	ADJ
ajfti-4584	113	16	and	and	CCONJ
ajfti-4584	113	17	unrealistic	unrealistic	ADJ
ajfti-4584	113	18	estimates	estimate	NOUN
ajfti-4584	113	19	as	as	SCONJ
ajfti-4584	113	20	there	there	PRON
ajfti-4584	113	21	is	be	VERB
ajfti-4584	113	22	the	the	DET
ajfti-4584	113	23	possibility	possibility	NOUN
ajfti-4584	113	24	of	of	ADP
ajfti-4584	113	25	a	a	DET
ajfti-4584	113	26	correlation	correlation	NOUN
ajfti-4584	113	27	between	between	ADP
ajfti-4584	113	28	the	the	DET
ajfti-4584	113	29	predictor	predictor	NOUN
ajfti-4584	113	30	(	(	PUNCT
ajfti-4584	113	31	financial	financial	ADJ
ajfti-4584	113	32	inclusion	inclusion	NOUN
ajfti-4584	113	33	)	)	PUNCT
ajfti-4584	113	34	and	and	CCONJ
ajfti-4584	113	35	education	education	NOUN
ajfti-4584	113	36	level	level	NOUN
ajfti-4584	113	37	as	as	ADP
ajfti-4584	113	38	part	part	NOUN
ajfti-4584	113	39	of	of	ADP
ajfti-4584	113	40	the	the	DET
ajfti-4584	113	41	residuals	residual	NOUN
ajfti-4584	113	42	in	in	ADP
ajfti-4584	113	43	equation	equation	NOUN
ajfti-4584	113	44	(	(	PUNCT
ajfti-4584	113	45	3	3	NUM
ajfti-4584	113	46	)	)	PUNCT
ajfti-4584	113	47	.	.	PUNCT
ajfti-4584	114	1	hence	hence	ADV
ajfti-4584	114	2	,	,	PUNCT
ajfti-4584	114	3	equation	equation	NOUN
ajfti-4584	114	4	(	(	PUNCT
ajfti-4584	114	5	4	4	X
ajfti-4584	114	6	)	)	PUNCT
ajfti-4584	114	7	is	be	AUX
ajfti-4584	114	8	instrumented	instrument	VERB
ajfti-4584	114	9	as	as	ADP
ajfti-4584	114	10	:	:	PUNCT
ajfti-4584	114	11	emg	emg	NOUN
ajfti-4584	114	12	i	i	PROPN
ajfti-4584	114	13	=	=	PROPN
ajfti-4584	114	14	α+β	α+β	PROPN
ajfti-4584	114	15	5acci+β	5acci+β	NUM
ajfti-4584	114	16	6avli+β	6avli+β	NUM
ajfti-4584	115	1	7fag	7fag	X
ajfti-4584	115	2	i+β	i+β	NUM
ajfti-4584	115	3	8edli+β	8edli+β	NUM
ajfti-4584	115	4	9	9	NUM
ajfti-4584	115	5	fagi+εi	fagi+εi	ADP
ajfti-4584	115	6	…	…	PUNCT
ajfti-4584	115	7	…	…	PUNCT
ajfti-4584	115	8	…	…	PUNCT
ajfti-4584	115	9	…	…	PUNCT
ajfti-4584	115	10	.(4	.(4	NOUN
ajfti-4584	115	11	)	)	PUNCT
ajfti-4584	115	12	where	where	SCONJ
ajfti-4584	115	13	edl	edl	PROPN
ajfti-4584	115	14	=	=	SYM
ajfti-4584	115	15	education	education	NOUN
ajfti-4584	115	16	level	level	NOUN
ajfti-4584	115	17	(	(	PUNCT
ajfti-4584	115	18	the	the	DET
ajfti-4584	115	19	instrumental	instrumental	ADJ
ajfti-4584	115	20	variable	variable	NOUN
ajfti-4584	115	21	)	)	PUNCT
ajfti-4584	115	22	the	the	DET
ajfti-4584	115	23	instrumented	instrumented	ADJ
ajfti-4584	115	24	equation	equation	NOUN
ajfti-4584	115	25	(	(	PUNCT
ajfti-4584	115	26	4	4	NUM
ajfti-4584	115	27	)	)	PUNCT
ajfti-4584	115	28	with	with	ADP
ajfti-4584	115	29	educational	educational	ADJ
ajfti-4584	115	30	level	level	NOUN
ajfti-4584	115	31	is	be	AUX
ajfti-4584	115	32	intuitive	intuitive	ADJ
ajfti-4584	115	33	for	for	ADP
ajfti-4584	115	34	two	two	NUM
ajfti-4584	115	35	reasons	reason	NOUN
ajfti-4584	115	36	.	.	PUNCT
ajfti-4584	116	1	first	first	ADV
ajfti-4584	116	2	,	,	PUNCT
ajfti-4584	116	3	it	it	PRON
ajfti-4584	116	4	corrects	correct	VERB
ajfti-4584	116	5	the	the	DET
ajfti-4584	116	6	endogeneity	endogeneity	NOUN
ajfti-4584	116	7	issue	issue	NOUN
ajfti-4584	116	8	in	in	ADP
ajfti-4584	116	9	financial	financial	ADJ
ajfti-4584	116	10	inclusion	inclusion	NOUN
ajfti-4584	116	11	as	as	ADP
ajfti-4584	116	12	the	the	DET
ajfti-4584	116	13	main	main	ADJ
ajfti-4584	116	14	predictor	predictor	NOUN
ajfti-4584	116	15	of	of	ADP
ajfti-4584	116	16	the	the	DET
ajfti-4584	116	17	study	study	NOUN
ajfti-4584	116	18	through	through	ADP
ajfti-4584	116	19	the	the	DET
ajfti-4584	116	20	instrumental	instrumental	ADJ
ajfti-4584	116	21	variable	variable	NOUN
ajfti-4584	116	22	(	(	PUNCT
ajfti-4584	116	23	edl	edl	PROPN
ajfti-4584	116	24	)	)	PUNCT
ajfti-4584	116	25	.	.	PUNCT
ajfti-4584	117	1	second	second	ADJ
ajfti-4584	117	2	,	,	PUNCT
ajfti-4584	117	3	the	the	DET
ajfti-4584	117	4	equation	equation	NOUN
ajfti-4584	117	5	accounts	account	VERB
ajfti-4584	117	6	for	for	ADP
ajfti-4584	117	7	all	all	DET
ajfti-4584	117	8	covariates	covariate	NOUN
ajfti-4584	117	9	that	that	PRON
ajfti-4584	117	10	would	would	AUX
ajfti-4584	117	11	have	have	AUX
ajfti-4584	117	12	obscured	obscure	VERB
ajfti-4584	117	13	the	the	DET
ajfti-4584	117	14	causal	causal	ADJ
ajfti-4584	117	15	relationship	relationship	NOUN
ajfti-4584	117	16	between	between	ADP
ajfti-4584	117	17	financial	financial	ADJ
ajfti-4584	117	18	inclusion	inclusion	NOUN
ajfti-4584	117	19	and	and	CCONJ
ajfti-4584	117	20	the	the	DET
ajfti-4584	117	21	growth	growth	NOUN
ajfti-4584	117	22	of	of	ADP
ajfti-4584	117	23	microenterprises	microenterprise	NOUN
ajfti-4584	117	24	in	in	ADP
ajfti-4584	117	25	the	the	DET
ajfti-4584	117	26	study	study	NOUN
ajfti-4584	117	27	area	area	NOUN
ajfti-4584	117	28	.	.	PUNCT
ajfti-4584	118	1	furthermore	furthermore	ADV
ajfti-4584	118	2	,	,	PUNCT
ajfti-4584	118	3	the	the	DET
ajfti-4584	118	4	study	study	NOUN
ajfti-4584	118	5	adopts	adopt	VERB
ajfti-4584	118	6	a	a	DET
ajfti-4584	118	7	two	two	NUM
ajfti-4584	118	8	-	-	PUNCT
ajfti-4584	118	9	stage	stage	NOUN
ajfti-4584	118	10	least	least	ADJ
ajfti-4584	118	11	squares	square	NOUN
ajfti-4584	118	12	method	method	NOUN
ajfti-4584	118	13	(	(	PUNCT
ajfti-4584	118	14	2sls	2sls	NOUN
ajfti-4584	118	15	)	)	PUNCT
ajfti-4584	118	16	to	to	PART
ajfti-4584	118	17	estimate	estimate	VERB
ajfti-4584	118	18	instrumental	instrumental	ADJ
ajfti-4584	118	19	variables	variable	NOUN
ajfti-4584	118	20	in	in	ADP
ajfti-4584	118	21	equation	equation	NOUN
ajfti-4584	118	22	(	(	PUNCT
ajfti-4584	118	23	4	4	NUM
ajfti-4584	118	24	)	)	PUNCT
ajfti-4584	118	25	.	.	PUNCT
ajfti-4584	119	1	the	the	DET
ajfti-4584	119	2	first	first	ADJ
ajfti-4584	119	3	stage	stage	NOUN
ajfti-4584	119	4	is	be	AUX
ajfti-4584	119	5	to	to	PART
ajfti-4584	119	6	clean	clean	VERB
ajfti-4584	119	7	up	up	ADP
ajfti-4584	119	8	by	by	ADP
ajfti-4584	119	9	regressing	regress	VERB
ajfti-4584	119	10	each	each	PRON
ajfti-4584	119	11	of	of	ADP
ajfti-4584	119	12	the	the	DET
ajfti-4584	119	13	endogenous	endogenous	ADJ
ajfti-4584	119	14	variables	variable	NOUN
ajfti-4584	119	15	in	in	ADP
ajfti-4584	119	16	equation	equation	NOUN
ajfti-4584	119	17	(	(	PUNCT
ajfti-4584	119	18	4	4	NUM
ajfti-4584	119	19	)	)	PUNCT
ajfti-4584	119	20	on	on	ADP
ajfti-4584	119	21	other	other	ADJ
ajfti-4584	119	22	predictors	predictor	NOUN
ajfti-4584	119	23	,	,	PUNCT
ajfti-4584	119	24	the	the	DET
ajfti-4584	119	25	instrumental	instrumental	ADJ
ajfti-4584	119	26	variable	variable	NOUN
ajfti-4584	119	27	(	(	PUNCT
ajfti-4584	119	28	edl	edl	PROPN
ajfti-4584	119	29	)	)	PUNCT
ajfti-4584	119	30	and	and	CCONJ
ajfti-4584	119	31	the	the	DET
ajfti-4584	119	32	control	control	NOUN
ajfti-4584	119	33	variable	variable	NOUN
ajfti-4584	119	34	(	(	PUNCT
ajfti-4584	119	35	fag	fag	NOUN
ajfti-4584	119	36	)	)	PUNCT
ajfti-4584	119	37	being	be	AUX
ajfti-4584	119	38	the	the	DET
ajfti-4584	119	39	study	study	NOUN
ajfti-4584	119	40	covariate	covariate	NOUN
ajfti-4584	119	41	.	.	PUNCT
ajfti-4584	120	1	the	the	DET
ajfti-4584	120	2	procedures	procedure	NOUN
ajfti-4584	120	3	are	be	AUX
ajfti-4584	120	4	contained	contain	VERB
ajfti-4584	120	5	in	in	ADP
ajfti-4584	120	6	the	the	DET
ajfti-4584	120	7	following	follow	VERB
ajfti-4584	120	8	equations	equation	NOUN
ajfti-4584	120	9	5	5	NUM
ajfti-4584	120	10	to	to	PART
ajfti-4584	120	11	6	6	NUM
ajfti-4584	120	12	.	.	PUNCT
ajfti-4584	121	1	acci=	acci=	NUM
ajfti-4584	121	2	α	α	NOUN
ajfti-4584	121	3	+	+	NOUN
ajfti-4584	121	4	β10avli+β11edli+β12fagi+εi	β10avli+β11edli+β12fagi+εi	NOUN
ajfti-4584	121	5	…	…	PUNCT
ajfti-4584	121	6	(	(	PUNCT
ajfti-4584	121	7	5	5	NUM
ajfti-4584	121	8	)	)	PUNCT
ajfti-4584	121	9	avli=	avli=	NUM
ajfti-4584	121	10	α	α	NOUN
ajfti-4584	121	11	+	+	CCONJ
ajfti-4584	121	12	β13acci+	β13acci+	ADJ
ajfti-4584	121	13	β14edli+	β14edli+	ADJ
ajfti-4584	121	14	β15fagi	β15fagi	NOUN
ajfti-4584	122	1	+	+	CCONJ
ajfti-4584	122	2	εi	εi	ADJ
ajfti-4584	122	3	…	…	PUNCT
ajfti-4584	122	4	(	(	PUNCT
ajfti-4584	122	5	6	6	NUM
ajfti-4584	122	6	)	)	PUNCT
ajfti-4584	122	7	the	the	DET
ajfti-4584	122	8	econometric	econometric	ADJ
ajfti-4584	122	9	estimations	estimation	NOUN
ajfti-4584	122	10	of	of	ADP
ajfti-4584	122	11	equations	equation	NOUN
ajfti-4584	122	12	5	5	NUM
ajfti-4584	122	13	and	and	CCONJ
ajfti-4584	122	14	6	6	NUM
ajfti-4584	122	15	yielded	yield	VERB
ajfti-4584	122	16	predicted	predict	VERB
ajfti-4584	122	17	values	value	NOUN
ajfti-4584	122	18	of	of	ADP
ajfti-4584	122	19	acc	acc	PROPN
ajfti-4584	122	20	and	and	CCONJ
ajfti-4584	122	21	avl	avl	PROPN
ajfti-4584	122	22	(	(	PUNCT
ajfti-4584	122	23	acc	acc	PROPN
ajfti-4584	122	24	)	)	PUNCT
ajfti-4584	122	25	and	and	CCONJ
ajfti-4584	122	26	(	(	PUNCT
ajfti-4584	122	27	avl	avl	PROPN
ajfti-4584	122	28	)	)	PUNCT
ajfti-4584	122	29	which	which	PRON
ajfti-4584	122	30	represent	represent	VERB
ajfti-4584	122	31	the	the	DET
ajfti-4584	122	32	exogenous	exogenous	ADJ
ajfti-4584	122	33	parts	part	NOUN
ajfti-4584	122	34	of	of	ADP
ajfti-4584	122	35	acc	acc	PROPN
ajfti-4584	122	36	and	and	CCONJ
ajfti-4584	122	37	avl	avl	PROPN
ajfti-4584	122	38	,	,	PUNCT
ajfti-4584	122	39	respectively	respectively	ADV
ajfti-4584	122	40	.	.	PUNCT
ajfti-4584	123	1	in	in	ADP
ajfti-4584	123	2	the	the	DET
ajfti-4584	123	3	second	second	ADJ
ajfti-4584	123	4	stage	stage	NOUN
ajfti-4584	123	5	,	,	PUNCT
ajfti-4584	123	6	the	the	DET
ajfti-4584	123	7	researchers	researcher	NOUN
ajfti-4584	123	8	replace	replace	VERB
ajfti-4584	123	9	acc	acc	PROPN
ajfti-4584	123	10	and	and	CCONJ
ajfti-4584	123	11	avl	avl	PROPN
ajfti-4584	123	12	as	as	ADP
ajfti-4584	123	13	the	the	DET
ajfti-4584	123	14	main	main	ADJ
ajfti-4584	123	15	dimensions	dimension	NOUN
ajfti-4584	123	16	of	of	ADP
ajfti-4584	123	17	financial	financial	ADJ
ajfti-4584	123	18	inclusion	inclusion	NOUN
ajfti-4584	123	19	in	in	ADP
ajfti-4584	123	20	equation	equation	NOUN
ajfti-4584	123	21	3	3	NUM
ajfti-4584	123	22	(	(	PUNCT
ajfti-4584	123	23	ols	ol	NOUN
ajfti-4584	123	24	model	model	NOUN
ajfti-4584	123	25	)	)	PUNCT
ajfti-4584	123	26	with	with	ADP
ajfti-4584	123	27	(	(	PUNCT
ajfti-4584	123	28	acc	acc	PROPN
ajfti-4584	123	29	)	)	PUNCT
ajfti-4584	123	30	and	and	CCONJ
ajfti-4584	123	31	(	(	PUNCT
ajfti-4584	123	32	avl	avl	PROPN
ajfti-4584	123	33	)	)	PUNCT
ajfti-4584	123	34	to	to	PART
ajfti-4584	123	35	estimate	estimate	VERB
ajfti-4584	123	36	equation	equation	NOUN
ajfti-4584	123	37	8	8	NUM
ajfti-4584	123	38	(	(	PUNCT
ajfti-4584	123	39	instrumental	instrumental	ADJ
ajfti-4584	123	40	variable	variable	ADJ
ajfti-4584	123	41	model	model	NOUN
ajfti-4584	123	42	)	)	PUNCT
ajfti-4584	123	43	.	.	PUNCT
ajfti-4584	124	1	emgi	emgi	NOUN
ajfti-4584	124	2	=	=	PUNCT
ajfti-4584	124	3	α	α	PROPN
ajfti-4584	125	1	+	+	CCONJ
ajfti-4584	125	2	π(acc)i	π(acc)i	NOUN
ajfti-4584	125	3	+	+	CCONJ
ajfti-4584	125	4	(	(	PUNCT
ajfti-4584	125	5	ρavl)i	ρavl)i	PROPN
ajfti-4584	126	1	+	+	NUM
ajfti-4584	126	2	β16fagi	β16fagi	NOUN
ajfti-4584	126	3	+	+	CCONJ
ajfti-4584	126	4	εi	εi	ADJ
ajfti-4584	126	5	…	…	PUNCT
ajfti-4584	126	6	(	(	PUNCT
ajfti-4584	126	7	8)	8)	NUM
ajfti-4584	126	8	the	the	DET
ajfti-4584	126	9	researchers	researcher	NOUN
ajfti-4584	126	10	determine	determine	VERB
ajfti-4584	126	11	if	if	SCONJ
ajfti-4584	126	12	endogeneity	endogeneity	NOUN
ajfti-4584	126	13	occurs	occur	VERB
ajfti-4584	126	14	in	in	ADP
ajfti-4584	126	15	realistic	realistic	ADJ
ajfti-4584	126	16	terms	term	NOUN
ajfti-4584	126	17	by	by	ADP
ajfti-4584	126	18	comparing	compare	VERB
ajfti-4584	126	19	β2,β3,and	β2,β3,and	PROPN
ajfti-4584	126	20	β4	β4	ADJ
ajfti-4584	126	21	in	in	ADP
ajfti-4584	126	22	equation	equation	NOUN
ajfti-4584	126	23	3	3	NUM
ajfti-4584	126	24	with	with	ADP
ajfti-4584	126	25	π	π	PROPN
ajfti-4584	126	26	and	and	CCONJ
ajfti-4584	126	27	ρ	ρ	PROPN
ajfti-4584	126	28	(	(	PUNCT
ajfti-4584	126	29	causal	causal	ADJ
ajfti-4584	126	30	effects	effect	NOUN
ajfti-4584	126	31	)	)	PUNCT
ajfti-4584	126	32	in	in	ADP
ajfti-4584	126	33	equation	equation	NOUN
ajfti-4584	126	34	8	8	NUM
ajfti-4584	126	35	.	.	PUNCT
ajfti-4584	127	1	this	this	DET
ajfti-4584	127	2	comparison	comparison	NOUN
ajfti-4584	127	3	is	be	AUX
ajfti-4584	127	4	conducted	conduct	VERB
ajfti-4584	127	5	through	through	ADP
ajfti-4584	127	6	the	the	DET
ajfti-4584	127	7	hausman	hausman	ADJ
ajfti-4584	127	8	test	test	NOUN
ajfti-4584	127	9	(	(	PUNCT
ajfti-4584	127	10	hausman	hausman	PROPN
ajfti-4584	127	11	,	,	PUNCT
ajfti-4584	127	12	1978	1978	NUM
ajfti-4584	127	13	)	)	PUNCT
ajfti-4584	127	14	.	.	PUNCT
ajfti-4584	128	1	all	all	DET
ajfti-4584	128	2	statistical	statistical	ADJ
ajfti-4584	128	3	estimations	estimation	NOUN
ajfti-4584	128	4	are	be	AUX
ajfti-4584	128	5	performed	perform	VERB
ajfti-4584	128	6	at	at	ADP
ajfti-4584	128	7	three	three	NUM
ajfti-4584	128	8	levels	level	NOUN
ajfti-4584	128	9	of	of	ADP
ajfti-4584	128	10	significance	significance	NOUN
ajfti-4584	128	11	(	(	PUNCT
ajfti-4584	128	12	1	1	NUM
ajfti-4584	128	13	%	%	NOUN
ajfti-4584	128	14	,	,	PUNCT
ajfti-4584	128	15	5	5	NUM
ajfti-4584	128	16	%	%	NOUN
ajfti-4584	128	17	and	and	CCONJ
ajfti-4584	128	18	10	10	NUM
ajfti-4584	128	19	%	%	NOUN
ajfti-4584	128	20	)	)	PUNCT
ajfti-4584	128	21	with	with	ADP
ajfti-4584	128	22	empirical	empirical	ADJ
ajfti-4584	128	23	expectation	expectation	NOUN
ajfti-4584	128	24	that	that	PRON
ajfti-4584	128	25	β2	β2	VERB
ajfti-4584	128	26	,	,	PUNCT
ajfti-4584	128	27	β3	β3	VERB
ajfti-4584	128	28	,	,	PUNCT
ajfti-4584	128	29	β4	β4	PROPN
ajfti-4584	128	30	,	,	PUNCT
ajfti-4584	128	31	π	π	PROPN
ajfti-4584	128	32	,	,	PUNCT
ajfti-4584	128	33	ρ	ρ	PROPN
ajfti-4584	128	34	,	,	PUNCT
ajfti-4584	128	35	and	and	CCONJ
ajfti-4584	128	36	δ	δ	PROPN
ajfti-4584	128	37	yield	yield	VERB
ajfti-4584	128	38	positive	positive	ADJ
ajfti-4584	128	39	coefficients	coefficient	NOUN
ajfti-4584	128	40	.	.	PUNCT
ajfti-4584	129	1	results	result	NOUN
ajfti-4584	129	2	and	and	CCONJ
ajfti-4584	129	3	discussions	discussion	NOUN
ajfti-4584	129	4	presentation	presentation	NOUN
ajfti-4584	129	5	of	of	ADP
ajfti-4584	129	6	results	result	NOUN
ajfti-4584	129	7	this	this	DET
ajfti-4584	129	8	sub	sub	NOUN
ajfti-4584	129	9	-	-	NOUN
ajfti-4584	129	10	section	section	NOUN
ajfti-4584	129	11	showcases	showcase	VERB
ajfti-4584	129	12	the	the	DET
ajfti-4584	129	13	estimation	estimation	NOUN
ajfti-4584	129	14	outcomes	outcome	NOUN
ajfti-4584	129	15	of	of	ADP
ajfti-4584	129	16	instrumental	instrumental	ADJ
ajfti-4584	129	17	regression	regression	NOUN
ajfti-4584	129	18	.	.	PUNCT
ajfti-4584	130	1	information	information	NOUN
ajfti-4584	130	2	in	in	ADP
ajfti-4584	130	3	table	table	NOUN
ajfti-4584	130	4	1	1	NUM
ajfti-4584	130	5	presents	present	VERB
ajfti-4584	130	6	inferential	inferential	ADJ
ajfti-4584	130	7	estimations	estimation	NOUN
ajfti-4584	130	8	of	of	ADP
ajfti-4584	130	9	the	the	DET
ajfti-4584	130	10	study	study	NOUN
ajfti-4584	130	11	through	through	ADP
ajfti-4584	130	12	traditional	traditional	ADJ
ajfti-4584	130	13	ols	ol	NOUN
ajfti-4584	130	14	and	and	CCONJ
ajfti-4584	130	15	two	two	NUM
ajfti-4584	130	16	-	-	PUNCT
ajfti-4584	130	17	stage	stage	NOUN
ajfti-4584	130	18	regression	regression	NOUN
ajfti-4584	130	19	(	(	PUNCT
ajfti-4584	130	20	iv	iv	NOUN
ajfti-4584	130	21	)	)	PUNCT
ajfti-4584	130	22	analyses	analysis	NOUN
ajfti-4584	130	23	.	.	PUNCT
ajfti-4584	131	1	table	table	NOUN
ajfti-4584	131	2	1	1	NUM
ajfti-4584	131	3	:	:	PUNCT
ajfti-4584	131	4	two	two	NUM
ajfti-4584	131	5	-	-	PUNCT
ajfti-4584	131	6	stage	stage	NOUN
ajfti-4584	131	7	least	least	ADJ
ajfti-4584	131	8	squares	square	NOUN
ajfti-4584	131	9	regression	regression	NOUN
ajfti-4584	131	10	(	(	PUNCT
ajfti-4584	131	11	instrumental	instrumental	ADJ
ajfti-4584	131	12	variable	variable	NOUN
ajfti-4584	131	13	)	)	PUNCT
ajfti-4584	131	14	estimation	estimation	NOUN
ajfti-4584	131	15	predictor	predictor	NOUN
ajfti-4584	131	16	/	/	SYM
ajfti-4584	131	17	statistic	statistic	ADJ
ajfti-4584	131	18	traditional	traditional	ADJ
ajfti-4584	131	19	ols	ol	NOUN
ajfti-4584	131	20	(	(	PUNCT
ajfti-4584	131	21	dv	dv	PROPN
ajfti-4584	131	22	:	:	PUNCT
ajfti-4584	131	23	emg	emg	NOUN
ajfti-4584	131	24	)	)	PUNCT
ajfti-4584	131	25	second	second	ADJ
ajfti-4584	131	26	-	-	PUNCT
ajfti-4584	131	27	stage	stage	NOUN
ajfti-4584	131	28	ols	ol	NOUN
ajfti-4584	131	29	regression	regression	VERB
ajfti-4584	131	30	dv	dv	PROPN
ajfti-4584	131	31	:	:	PUNCT
ajfti-4584	131	32	acc	acc	PROPN
ajfti-4584	131	33	dv	dv	PROPN
ajfti-4584	131	34	:	:	PUNCT
ajfti-4584	131	35	avl	avl	PROPN
ajfti-4584	131	36	dv	dv	PROPN
ajfti-4584	131	37	:	:	PUNCT
ajfti-4584	131	38	emg	emg	PROPN
ajfti-4584	131	39	acc	acc	PROPN
ajfti-4584	131	40	0.17	0.17	PROPN
ajfti-4584	131	41	*	*	PROPN
ajfti-4584	131	42	*	*	PUNCT
ajfti-4584	131	43	(	(	PUNCT
ajfti-4584	131	44	0.08	0.08	NUM
ajfti-4584	131	45	)	)	PUNCT
ajfti-4584	131	46	-0.12	-0.12	NOUN
ajfti-4584	131	47	*	*	NOUN
ajfti-4584	131	48	*	*	PUNCT
ajfti-4584	131	49	*	*	PUNCT
ajfti-4584	131	50	(	(	PUNCT
ajfti-4584	131	51	0.04	0.04	NUM
ajfti-4584	131	52	)	)	PUNCT
ajfti-4584	131	53	avl	avl	PROPN
ajfti-4584	131	54	-0.70	-0.70	NOUN
ajfti-4584	131	55	*	*	NOUN
ajfti-4584	131	56	*	*	PUNCT
ajfti-4584	131	57	*	*	PUNCT
ajfti-4584	131	58	(	(	PUNCT
ajfti-4584	131	59	0.12	0.12	NUM
ajfti-4584	131	60	)	)	PUNCT
ajfti-4584	131	61	-0.24	-0.24	NOUN
ajfti-4584	131	62	*	*	PUNCT
ajfti-4584	131	63	*	*	PUNCT
ajfti-4584	131	64	*	*	PUNCT
ajfti-4584	131	65	(	(	PUNCT
ajfti-4584	131	66	0.08	0.08	NUM
ajfti-4584	131	67	)	)	PUNCT
ajfti-4584	131	68	fag	fag	NOUN
ajfti-4584	131	69	2	2	NUM
ajfti-4584	131	70	-1.12	-1.12	NOUN
ajfti-4584	131	71	*	*	PUNCT
ajfti-4584	131	72	*	*	PUNCT
ajfti-4584	131	73	*	*	PUNCT
ajfti-4584	131	74	(	(	PUNCT
ajfti-4584	131	75	0.20	0.20	NUM
ajfti-4584	131	76	)	)	PUNCT
ajfti-4584	131	77	0.91	0.91	NUM
ajfti-4584	131	78	*	*	PUNCT
ajfti-4584	131	79	*	*	PUNCT
ajfti-4584	131	80	*	*	PUNCT
ajfti-4584	131	81	(	(	PUNCT
ajfti-4584	131	82	0.11	0.11	NUM
ajfti-4584	131	83	)	)	PUNCT
ajfti-4584	131	84	0.81	0.81	NUM
ajfti-4584	131	85	*	*	PUNCT
ajfti-4584	131	86	*	*	PUNCT
ajfti-4584	131	87	*	*	PUNCT
ajfti-4584	131	88	(	(	PUNCT
ajfti-4584	131	89	0.08	0.08	NUM
ajfti-4584	131	90	)	)	PUNCT
ajfti-4584	131	91	-0.06	-0.06	NUM
ajfti-4584	131	92	(	(	PUNCT
ajfti-4584	131	93	0.37	0.37	NUM
ajfti-4584	131	94	)	)	PUNCT
ajfti-4584	131	95	3	3	NUM
ajfti-4584	131	96	-1.96	-1.96	NOUN
ajfti-4584	131	97	*	*	PUNCT
ajfti-4584	131	98	*	*	PUNCT
ajfti-4584	131	99	*	*	PUNCT
ajfti-4584	131	100	(	(	PUNCT
ajfti-4584	131	101	0.36	0.36	NUM
ajfti-4584	131	102	)	)	PUNCT
ajfti-4584	131	103	0.82	0.82	NUM
ajfti-4584	131	104	*	*	PUNCT
ajfti-4584	131	105	*	*	PUNCT
ajfti-4584	131	106	*	*	PUNCT
ajfti-4584	131	107	(	(	PUNCT
ajfti-4584	131	108	0.22	0.22	NUM
ajfti-4584	131	109	)	)	PUNCT
ajfti-4584	131	110	0.69	0.69	NUM
ajfti-4584	131	111	*	*	PUNCT
ajfti-4584	131	112	*	*	PUNCT
ajfti-4584	131	113	*	*	PUNCT
ajfti-4584	131	114	(	(	PUNCT
ajfti-4584	131	115	0.15	0.15	NUM
ajfti-4584	131	116	)	)	PUNCT
ajfti-4584	131	117	-4.48	-4.48	NOUN
ajfti-4584	131	118	*	*	PUNCT
ajfti-4584	131	119	*	*	PUNCT
ajfti-4584	131	120	*	*	PUNCT
ajfti-4584	131	121	(	(	PUNCT
ajfti-4584	131	122	0.58	0.58	NUM
ajfti-4584	131	123	)	)	PUNCT
ajfti-4584	131	124	edl	edl	PROPN
ajfti-4584	131	125	0.19	0.19	NUM
ajfti-4584	131	126	*	*	PUNCT
ajfti-4584	131	127	*	*	PUNCT
ajfti-4584	131	128	*	*	PUNCT
ajfti-4584	131	129	(	(	PUNCT
ajfti-4584	131	130	0.04	0.04	NUM
ajfti-4584	131	131	)	)	PUNCT
ajfti-4584	131	132	0.09	0.09	NUM
ajfti-4584	131	133	*	*	PUNCT
ajfti-4584	131	134	*	*	PUNCT
ajfti-4584	131	135	*	*	PUNCT
ajfti-4584	131	136	(	(	PUNCT
ajfti-4584	131	137	0.03	0.03	NUM
ajfti-4584	131	138	)	)	PUNCT
ajfti-4584	131	139	constant	constant	ADJ
ajfti-4584	131	140	1.24	1.24	NUM
ajfti-4584	131	141	*	*	PUNCT
ajfti-4584	131	142	*	*	PUNCT
ajfti-4584	131	143	*	*	PUNCT
ajfti-4584	131	144	(	(	PUNCT
ajfti-4584	131	145	0.11	0.11	NUM
ajfti-4584	131	146	)	)	PUNCT
ajfti-4584	131	147	-0.78	-0.78	NOUN
ajfti-4584	131	148	*	*	PUNCT
ajfti-4584	131	149	*	*	PUNCT
ajfti-4584	131	150	*	*	PUNCT
ajfti-4584	131	151	(	(	PUNCT
ajfti-4584	131	152	0.12	0.12	NUM
ajfti-4584	131	153	)	)	PUNCT
ajfti-4584	131	154	0.63	0.63	NUM
ajfti-4584	131	155	*	*	PUNCT
ajfti-4584	131	156	*	*	PUNCT
ajfti-4584	131	157	*	*	PUNCT
ajfti-4584	131	158	(	(	PUNCT
ajfti-4584	131	159	0.08	0.08	NUM
ajfti-4584	131	160	)	)	PUNCT
ajfti-4584	131	161	0.81	0.81	NUM
ajfti-4584	131	162	*	*	PUNCT
ajfti-4584	131	163	*	*	PUNCT
ajfti-4584	131	164	*	*	PUNCT
ajfti-4584	131	165	(	(	PUNCT
ajfti-4584	131	166	0.19	0.19	NUM
ajfti-4584	131	167	)	)	PUNCT
ajfti-4584	131	168	(	(	PUNCT
ajfti-4584	131	169	acc	acc	PROPN
ajfti-4584	131	170	)	)	PUNCT
ajfti-4584	131	171	-1.13	-1.13	PROPN
ajfti-4584	131	172	*	*	PUNCT
ajfti-4584	131	173	*	*	PUNCT
ajfti-4584	131	174	*	*	PUNCT
ajfti-4584	131	175	(	(	PUNCT
ajfti-4584	131	176	0.27	0.27	NUM
ajfti-4584	131	177	)	)	PUNCT
ajfti-4584	131	178	(	(	PUNCT
ajfti-4584	131	179	avl	avl	PROPN
ajfti-4584	131	180	)	)	PUNCT
ajfti-4584	131	181	-1.76	-1.76	NOUN
ajfti-4584	131	182	*	*	PUNCT
ajfti-4584	131	183	*	*	PUNCT
ajfti-4584	131	184	*	*	PUNCT
ajfti-4584	131	185	(	(	PUNCT
ajfti-4584	131	186	0.27	0.27	NUM
ajfti-4584	131	187	)	)	PUNCT
ajfti-4584	131	188	no	no	NOUN
ajfti-4584	131	189	.	.	PUNCT
ajfti-4584	131	190	of	of	ADP
ajfti-4584	131	191	obs	obs	PROPN
ajfti-4584	131	192	.	.	PUNCT
ajfti-4584	132	1	342	342	NUM
ajfti-4584	132	2	342	342	NUM
ajfti-4584	132	3	342	342	NUM
ajfti-4584	132	4	342	342	NUM
ajfti-4584	132	5	model	model	NOUN
ajfti-4584	132	6	fitness	fitness	NOUN
ajfti-4584	132	7	f(5	f(5	PROPN
ajfti-4584	132	8	,	,	PUNCT
ajfti-4584	132	9	336	336	NUM
ajfti-4584	132	10	)	)	PUNCT
ajfti-4584	132	11	34.54	34.54	NUM
ajfti-4584	132	12	*	*	PUNCT
ajfti-4584	132	13	*	*	PUNCT
ajfti-4584	132	14	*	*	PUNCT
ajfti-4584	132	15	35.68	35.68	NUM
ajfti-4584	132	16	*	*	PUNCT
ajfti-4584	132	17	*	*	PUNCT
ajfti-4584	132	18	*	*	PUNCT
ajfti-4584	132	19	33.90	33.90	NUM
ajfti-4584	132	20	*	*	PUNCT
ajfti-4584	132	21	*	*	PUNCT
ajfti-4584	132	22	*	*	PUNCT
ajfti-4584	132	23	55.33	55.33	NUM
ajfti-4584	132	24	*	*	PUNCT
ajfti-4584	132	25	*	*	PUNCT
ajfti-4584	132	26	*	*	PUNCT
ajfti-4584	132	27	r	r	X
ajfti-4584	132	28	-	-	PUNCT
ajfti-4584	132	29	squared	square	VERB
ajfti-4584	132	30	0.34	0.34	NUM
ajfti-4584	132	31	0.35	0.35	NUM
ajfti-4584	132	32	0.34	0.34	NUM
ajfti-4584	132	33	0.44	0.44	NUM
ajfti-4584	132	34	endogeneity	endogeneity	NOUN
ajfti-4584	132	35	test	test	NOUN
ajfti-4584	132	36	durbin	durbin	ADJ
ajfti-4584	132	37	(	(	PUNCT
ajfti-4584	132	38	score	score	NOUN
ajfti-4584	132	39	)	)	PUNCT
ajfti-4584	132	40	chi2(1	chi2(1	NOUN
ajfti-4584	132	41	)	)	PUNCT
ajfti-4584	132	42	61.41	61.41	NUM
ajfti-4584	132	43	*	*	PUNCT
ajfti-4584	132	44	*	*	PUNCT
ajfti-4584	132	45	*	*	PUNCT
ajfti-4584	132	46	49.47	49.47	NUM
ajfti-4584	132	47	*	*	PUNCT
ajfti-4584	132	48	*	*	PUNCT
ajfti-4584	132	49	*	*	PUNCT
ajfti-4584	132	50	wu	wu	PROPN
ajfti-4584	132	51	-	-	PUNCT
ajfti-4584	132	52	hausman	hausman	NOUN
ajfti-4584	132	53	f(1	f(1	PROPN
ajfti-4584	132	54	,	,	PUNCT
ajfti-4584	132	55	336	336	NUM
ajfti-4584	132	56	)	)	PUNCT
ajfti-4584	132	57	73.53	73.53	NUM
ajfti-4584	132	58	*	*	PUNCT
ajfti-4584	132	59	*	*	PUNCT
ajfti-4584	132	60	*	*	PUNCT
ajfti-4584	132	61	56.82	56.82	NUM
ajfti-4584	132	62	*	*	PUNCT
ajfti-4584	132	63	*	*	PUNCT
ajfti-4584	132	64	*	*	PUNCT
ajfti-4584	132	65	instrument	instrument	NOUN
ajfti-4584	132	66	validity	validity	NOUN
ajfti-4584	132	67	f(1	f(1	PROPN
ajfti-4584	132	68	,	,	PUNCT
ajfti-4584	132	69	337	337	NUM
ajfti-4584	132	70	)	)	PUNCT
ajfti-4584	132	71	20.68	20.68	NUM
ajfti-4584	132	72	*	*	PUNCT
ajfti-4584	132	73	*	*	PUNCT
ajfti-4584	132	74	*	*	PUNCT
ajfti-4584	132	75	10.20	10.20	NUM
ajfti-4584	132	76	*	*	PUNCT
ajfti-4584	132	77	*	*	PUNCT
ajfti-4584	132	78	*	*	PUNCT
ajfti-4584	132	79	pa	pa	PROPN
ajfti-4584	132	80	ge	ge	PROPN
ajfti-4584	132	81	15	15	NUM
ajfti-4584	132	82	9	9	NUM
ajfti-4584	132	83	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-4584	132	84	am	be	AUX
ajfti-4584	132	85	.	.	PUNCT
ajfti-4584	133	1	j.	j.	PROPN
ajfti-4584	133	2	financ	financ	PROPN
ajfti-4584	133	3	.	.	PUNCT
ajfti-4584	134	1	technol	technol	PROPN
ajfti-4584	134	2	.	.	PUNCT
ajfti-4584	134	3	innov	innov	PROPN
ajfti-4584	134	4	.	.	PUNCT
ajfti-4584	135	1	3(1	3(1	NUM
ajfti-4584	135	2	)	)	PUNCT
ajfti-4584	135	3	155	155	NUM
ajfti-4584	135	4	-	-	SYM
ajfti-4584	135	5	161	161	NUM
ajfti-4584	135	6	,	,	PUNCT
ajfti-4584	135	7	2025	2025	NUM
ajfti-4584	135	8	interpretation	interpretation	NOUN
ajfti-4584	135	9	and	and	CCONJ
ajfti-4584	135	10	discussion	discussion	NOUN
ajfti-4584	135	11	of	of	ADP
ajfti-4584	135	12	results	result	NOUN
ajfti-4584	135	13	furthermore	furthermore	ADV
ajfti-4584	135	14	,	,	PUNCT
ajfti-4584	135	15	table	table	NOUN
ajfti-4584	135	16	3	3	NUM
ajfti-4584	135	17	reveals	reveal	VERB
ajfti-4584	135	18	the	the	DET
ajfti-4584	135	19	outcome	outcome	NOUN
ajfti-4584	135	20	of	of	ADP
ajfti-4584	135	21	the	the	DET
ajfti-4584	135	22	2sls	2sls	PROPN
ajfti-4584	135	23	estimations	estimation	NOUN
ajfti-4584	135	24	performed	perform	VERB
ajfti-4584	135	25	with	with	ADP
ajfti-4584	135	26	342	342	NUM
ajfti-4584	135	27	observations	observation	NOUN
ajfti-4584	135	28	after	after	ADP
ajfti-4584	135	29	system	system	NOUN
ajfti-4584	135	30	adjustments	adjustment	NOUN
ajfti-4584	135	31	.	.	PUNCT
ajfti-4584	136	1	at	at	ADP
ajfti-4584	136	2	the	the	DET
ajfti-4584	136	3	initial	initial	ADJ
ajfti-4584	136	4	stage	stage	NOUN
ajfti-4584	136	5	,	,	PUNCT
ajfti-4584	136	6	traditional	traditional	ADJ
ajfti-4584	136	7	ols	ol	NOUN
ajfti-4584	136	8	was	be	AUX
ajfti-4584	136	9	performed	perform	VERB
ajfti-4584	136	10	to	to	PART
ajfti-4584	136	11	estimate	estimate	VERB
ajfti-4584	136	12	equation	equation	NOUN
ajfti-4584	136	13	3	3	NUM
ajfti-4584	136	14	on	on	ADP
ajfti-4584	136	15	the	the	DET
ajfti-4584	136	16	impacts	impact	NOUN
ajfti-4584	136	17	of	of	ADP
ajfti-4584	136	18	financial	financial	ADJ
ajfti-4584	136	19	inclusion	inclusion	NOUN
ajfti-4584	136	20	on	on	ADP
ajfti-4584	136	21	employment	employment	NOUN
ajfti-4584	136	22	growth	growth	NOUN
ajfti-4584	136	23	in	in	ADP
ajfti-4584	136	24	microenterprises	microenterprise	NOUN
ajfti-4584	136	25	that	that	PRON
ajfti-4584	136	26	ply	ply	VERB
ajfti-4584	136	27	their	their	PRON
ajfti-4584	136	28	trade	trade	NOUN
ajfti-4584	136	29	in	in	ADP
ajfti-4584	136	30	the	the	DET
ajfti-4584	136	31	abeokuta	abeokuta	PROPN
ajfti-4584	136	32	metropolis	metropolis	PROPN
ajfti-4584	136	33	.	.	PUNCT
ajfti-4584	137	1	the	the	DET
ajfti-4584	137	2	results	result	NOUN
ajfti-4584	137	3	show	show	VERB
ajfti-4584	137	4	that	that	SCONJ
ajfti-4584	137	5	acc	acc	PROPN
ajfti-4584	137	6	(	(	PUNCT
ajfti-4584	137	7	accessibility	accessibility	NOUN
ajfti-4584	137	8	)	)	PUNCT
ajfti-4584	137	9	positively	positively	ADV
ajfti-4584	137	10	and	and	CCONJ
ajfti-4584	137	11	significantly	significantly	ADV
ajfti-4584	137	12	impacts	impact	VERB
ajfti-4584	137	13	the	the	DET
ajfti-4584	137	14	employment	employment	NOUN
ajfti-4584	137	15	growth	growth	NOUN
ajfti-4584	137	16	of	of	ADP
ajfti-4584	137	17	micro	micro	NOUN
ajfti-4584	137	18	-	-	NOUN
ajfti-4584	137	19	firms	firm	NOUN
ajfti-4584	137	20	in	in	ADP
ajfti-4584	137	21	the	the	DET
ajfti-4584	137	22	study	study	NOUN
ajfti-4584	137	23	area	area	NOUN
ajfti-4584	137	24	.	.	PUNCT
ajfti-4584	138	1	that	that	PRON
ajfti-4584	138	2	is	be	AUX
ajfti-4584	138	3	,	,	PUNCT
ajfti-4584	138	4	a	a	DET
ajfti-4584	138	5	1	1	NUM
ajfti-4584	138	6	%	%	NOUN
ajfti-4584	138	7	increase	increase	NOUN
ajfti-4584	138	8	in	in	ADP
ajfti-4584	138	9	access	access	NOUN
ajfti-4584	138	10	to	to	ADP
ajfti-4584	138	11	formal	formal	ADJ
ajfti-4584	138	12	financial	financial	ADJ
ajfti-4584	138	13	services	service	NOUN
ajfti-4584	138	14	and	and	CCONJ
ajfti-4584	138	15	usage	usage	NOUN
ajfti-4584	138	16	increases	increase	NOUN
ajfti-4584	138	17	micro	micro	ADJ
ajfti-4584	138	18	-	-	ADJ
ajfti-4584	138	19	firm	firm	ADJ
ajfti-4584	138	20	employment	employment	NOUN
ajfti-4584	138	21	growth	growth	NOUN
ajfti-4584	138	22	by	by	ADP
ajfti-4584	138	23	0.17	0.17	NUM
ajfti-4584	138	24	%	%	NOUN
ajfti-4584	138	25	and	and	CCONJ
ajfti-4584	138	26	0.66	0.66	NUM
ajfti-4584	138	27	%	%	NOUN
ajfti-4584	138	28	respectively	respectively	ADV
ajfti-4584	138	29	at	at	ADP
ajfti-4584	138	30	three	three	NUM
ajfti-4584	138	31	significance	significance	NOUN
ajfti-4584	138	32	levels	level	NOUN
ajfti-4584	138	33	.	.	PUNCT
ajfti-4584	139	1	again	again	ADV
ajfti-4584	139	2	,	,	PUNCT
ajfti-4584	139	3	the	the	DET
ajfti-4584	139	4	positive	positive	ADJ
ajfti-4584	139	5	impact	impact	NOUN
ajfti-4584	139	6	of	of	ADP
ajfti-4584	139	7	the	the	DET
ajfti-4584	139	8	accessibility	accessibility	NOUN
ajfti-4584	139	9	(	(	PUNCT
ajfti-4584	139	10	acc	acc	PROPN
ajfti-4584	139	11	)	)	PUNCT
ajfti-4584	139	12	is	be	AUX
ajfti-4584	139	13	significant	significant	ADJ
ajfti-4584	139	14	at	at	ADP
ajfti-4584	139	15	two	two	NUM
ajfti-4584	139	16	significance	significance	NOUN
ajfti-4584	139	17	levels	level	NOUN
ajfti-4584	139	18	(	(	PUNCT
ajfti-4584	139	19	5	5	NUM
ajfti-4584	139	20	%	%	NOUN
ajfti-4584	139	21	and	and	CCONJ
ajfti-4584	139	22	10	10	NUM
ajfti-4584	139	23	%	%	NOUN
ajfti-4584	139	24	)	)	PUNCT
ajfti-4584	139	25	among	among	ADP
ajfti-4584	139	26	the	the	DET
ajfti-4584	139	27	selected	select	VERB
ajfti-4584	139	28	microenterprises	microenterprise	NOUN
ajfti-4584	139	29	is	be	AUX
ajfti-4584	139	30	obtained	obtain	VERB
ajfti-4584	139	31	at	at	ADP
ajfti-4584	139	32	all	all	DET
ajfti-4584	139	33	three	three	NUM
ajfti-4584	139	34	significance	significance	NOUN
ajfti-4584	139	35	levels	level	NOUN
ajfti-4584	139	36	.	.	PUNCT
ajfti-4584	140	1	in	in	ADP
ajfti-4584	140	2	contrast	contrast	NOUN
ajfti-4584	140	3	,	,	PUNCT
ajfti-4584	140	4	the	the	DET
ajfti-4584	140	5	standard	standard	ADJ
ajfti-4584	140	6	ols	ol	NOUN
ajfti-4584	140	7	estimation	estimation	NOUN
ajfti-4584	140	8	shows	show	VERB
ajfti-4584	140	9	that	that	SCONJ
ajfti-4584	140	10	the	the	DET
ajfti-4584	140	11	availability	availability	NOUN
ajfti-4584	140	12	(	(	PUNCT
ajfti-4584	140	13	avl	avl	PROPN
ajfti-4584	140	14	)	)	PUNCT
ajfti-4584	140	15	of	of	ADP
ajfti-4584	140	16	formal	formal	ADJ
ajfti-4584	140	17	financial	financial	ADJ
ajfti-4584	140	18	services	service	NOUN
ajfti-4584	140	19	has	have	VERB
ajfti-4584	140	20	a	a	DET
ajfti-4584	140	21	negative	negative	ADJ
ajfti-4584	140	22	but	but	CCONJ
ajfti-4584	140	23	significant	significant	ADJ
ajfti-4584	140	24	impact	impact	NOUN
ajfti-4584	140	25	on	on	ADP
ajfti-4584	140	26	the	the	DET
ajfti-4584	140	27	micro	micro	ADJ
ajfti-4584	140	28	-	-	ADJ
ajfti-4584	140	29	firm	firm	ADJ
ajfti-4584	140	30	employment	employment	NOUN
ajfti-4584	140	31	growth	growth	NOUN
ajfti-4584	140	32	(	(	PUNCT
ajfti-4584	140	33	emg	emg	NOUN
ajfti-4584	140	34	)	)	PUNCT
ajfti-4584	140	35	at	at	ADP
ajfti-4584	140	36	the	the	DET
ajfti-4584	140	37	three	three	NUM
ajfti-4584	140	38	significance	significance	NOUN
ajfti-4584	140	39	levels	level	NOUN
ajfti-4584	140	40	.	.	PUNCT
ajfti-4584	141	1	the	the	DET
ajfti-4584	141	2	result	result	NOUN
ajfti-4584	141	3	indicates	indicate	VERB
ajfti-4584	141	4	that	that	SCONJ
ajfti-4584	141	5	when	when	SCONJ
ajfti-4584	141	6	avl	avl	PROPN
ajfti-4584	141	7	increases	increase	VERB
ajfti-4584	141	8	by	by	ADP
ajfti-4584	141	9	1	1	NUM
ajfti-4584	141	10	%	%	NOUN
ajfti-4584	141	11	the	the	DET
ajfti-4584	141	12	employment	employment	NOUN
ajfti-4584	141	13	growth	growth	NOUN
ajfti-4584	141	14	of	of	ADP
ajfti-4584	141	15	the	the	DET
ajfti-4584	141	16	study	study	NOUN
ajfti-4584	141	17	area	area	NOUN
ajfti-4584	141	18	microfirms	microfirm	NOUN
ajfti-4584	141	19	decreases	decrease	VERB
ajfti-4584	141	20	by	by	ADP
ajfti-4584	141	21	70	70	NUM
ajfti-4584	141	22	per	per	ADP
ajfti-4584	141	23	cent	cent	NOUN
ajfti-4584	141	24	.	.	PUNCT
ajfti-4584	142	1	firm	firm	ADJ
ajfti-4584	142	2	age	age	NOUN
ajfti-4584	142	3	(	(	PUNCT
ajfti-4584	142	4	fag	fag	NOUN
ajfti-4584	142	5	)	)	PUNCT
ajfti-4584	142	6	with	with	ADP
ajfti-4584	142	7	three	three	NUM
ajfti-4584	142	8	sub	sub	NOUN
ajfti-4584	142	9	-	-	NOUN
ajfti-4584	142	10	indicators	indicator	NOUN
ajfti-4584	142	11	(	(	PUNCT
ajfti-4584	142	12	new	new	ADJ
ajfti-4584	142	13	firm	firm	NOUN
ajfti-4584	142	14	,	,	PUNCT
ajfti-4584	142	15	growing	grow	VERB
ajfti-4584	142	16	or	or	CCONJ
ajfti-4584	142	17	matured	mature	VERB
ajfti-4584	142	18	firm	firm	NOUN
ajfti-4584	142	19	)	)	PUNCT
ajfti-4584	142	20	is	be	AUX
ajfti-4584	142	21	used	use	VERB
ajfti-4584	142	22	as	as	ADP
ajfti-4584	142	23	a	a	DET
ajfti-4584	142	24	control	control	NOUN
ajfti-4584	142	25	variable	variable	NOUN
ajfti-4584	142	26	in	in	ADP
ajfti-4584	142	27	equation	equation	NOUN
ajfti-4584	142	28	3	3	NUM
ajfti-4584	142	29	and	and	CCONJ
ajfti-4584	142	30	table	table	NOUN
ajfti-4584	142	31	1	1	NUM
ajfti-4584	142	32	reveals	reveal	VERB
ajfti-4584	142	33	that	that	SCONJ
ajfti-4584	142	34	in	in	ADP
ajfti-4584	142	35	the	the	DET
ajfti-4584	142	36	traditional	traditional	ADJ
ajfti-4584	142	37	ols	ol	NOUN
ajfti-4584	142	38	estimation	estimation	NOUN
ajfti-4584	142	39	,	,	PUNCT
ajfti-4584	142	40	new	new	ADJ
ajfti-4584	142	41	firms	firm	NOUN
ajfti-4584	142	42	(	(	PUNCT
ajfti-4584	142	43	reference	reference	NOUN
ajfti-4584	142	44	category	category	NOUN
ajfti-4584	142	45	coded	code	VERB
ajfti-4584	142	46	“	"	PUNCT
ajfti-4584	142	47	1	1	NUM
ajfti-4584	142	48	”	"	PUNCT
ajfti-4584	142	49	)	)	PUNCT
ajfti-4584	142	50	significantly	significantly	ADV
ajfti-4584	142	51	employ	employ	VERB
ajfti-4584	142	52	more	more	ADJ
ajfti-4584	142	53	workers	worker	NOUN
ajfti-4584	142	54	during	during	ADP
ajfti-4584	142	55	the	the	DET
ajfti-4584	142	56	research	research	NOUN
ajfti-4584	142	57	period	period	NOUN
ajfti-4584	142	58	than	than	ADP
ajfti-4584	142	59	the	the	DET
ajfti-4584	142	60	growing	grow	VERB
ajfti-4584	142	61	firm	firm	NOUN
ajfti-4584	142	62	(	(	PUNCT
ajfti-4584	142	63	coded	code	VERB
ajfti-4584	142	64	“	"	PUNCT
ajfti-4584	142	65	2	2	NUM
ajfti-4584	142	66	”	"	PUNCT
ajfti-4584	142	67	)	)	PUNCT
ajfti-4584	142	68	and	and	CCONJ
ajfti-4584	142	69	mature	mature	ADJ
ajfti-4584	142	70	firm	firm	NOUN
ajfti-4584	142	71	(	(	PUNCT
ajfti-4584	142	72	coded	code	VERB
ajfti-4584	142	73	as	as	ADP
ajfti-4584	142	74	“	"	PUNCT
ajfti-4584	142	75	3	3	NUM
ajfti-4584	142	76	”	"	PUNCT
ajfti-4584	142	77	)	)	PUNCT
ajfti-4584	142	78	by	by	ADP
ajfti-4584	142	79	1.12	1.12	NUM
ajfti-4584	142	80	%	%	NOUN
ajfti-4584	142	81	and	and	CCONJ
ajfti-4584	142	82	1.96	1.96	NUM
ajfti-4584	142	83	%	%	NOUN
ajfti-4584	142	84	respectively	respectively	ADV
ajfti-4584	142	85	.	.	PUNCT
ajfti-4584	143	1	one	one	NUM
ajfti-4584	143	2	intriguing	intriguing	ADJ
ajfti-4584	143	3	outcome	outcome	NOUN
ajfti-4584	143	4	of	of	ADP
ajfti-4584	143	5	the	the	DET
ajfti-4584	143	6	estimated	estimate	VERB
ajfti-4584	143	7	traditional	traditional	ADJ
ajfti-4584	143	8	ols	ol	NOUN
ajfti-4584	143	9	is	be	AUX
ajfti-4584	143	10	the	the	DET
ajfti-4584	143	11	high	high	ADJ
ajfti-4584	143	12	magnitude	magnitude	NOUN
ajfti-4584	143	13	of	of	ADP
ajfti-4584	143	14	the	the	DET
ajfti-4584	143	15	impacts	impact	NOUN
ajfti-4584	143	16	of	of	ADP
ajfti-4584	143	17	financial	financial	ADJ
ajfti-4584	143	18	inclusion	inclusion	NOUN
ajfti-4584	143	19	measures	measure	NOUN
ajfti-4584	143	20	on	on	ADP
ajfti-4584	143	21	firm	firm	ADJ
ajfti-4584	143	22	employment	employment	NOUN
ajfti-4584	143	23	growth	growth	NOUN
ajfti-4584	143	24	.	.	PUNCT
ajfti-4584	144	1	this	this	DET
ajfti-4584	144	2	incidence	incidence	NOUN
ajfti-4584	144	3	may	may	AUX
ajfti-4584	144	4	be	be	AUX
ajfti-4584	144	5	associated	associate	VERB
ajfti-4584	144	6	with	with	ADP
ajfti-4584	144	7	a	a	DET
ajfti-4584	144	8	lack	lack	NOUN
ajfti-4584	144	9	of	of	ADP
ajfti-4584	144	10	adequate	adequate	ADJ
ajfti-4584	144	11	information	information	NOUN
ajfti-4584	144	12	from	from	ADP
ajfti-4584	144	13	observational	observational	ADJ
ajfti-4584	144	14	data	datum	NOUN
ajfti-4584	144	15	on	on	ADP
ajfti-4584	144	16	the	the	DET
ajfti-4584	144	17	true	true	ADJ
ajfti-4584	144	18	exogeneity	exogeneity	NOUN
ajfti-4584	144	19	of	of	ADP
ajfti-4584	144	20	conditions	condition	NOUN
ajfti-4584	144	21	of	of	ADP
ajfti-4584	144	22	interest	interest	NOUN
ajfti-4584	144	23	(	(	PUNCT
ajfti-4584	144	24	financial	financial	ADJ
ajfti-4584	144	25	inclusion	inclusion	NOUN
ajfti-4584	144	26	)	)	PUNCT
ajfti-4584	144	27	.	.	PUNCT
ajfti-4584	145	1	in	in	ADP
ajfti-4584	145	2	other	other	ADJ
ajfti-4584	145	3	words	word	NOUN
ajfti-4584	145	4	,	,	PUNCT
ajfti-4584	145	5	if	if	SCONJ
ajfti-4584	145	6	caution	caution	NOUN
ajfti-4584	145	7	is	be	AUX
ajfti-4584	145	8	not	not	PART
ajfti-4584	145	9	taken	take	VERB
ajfti-4584	145	10	,	,	PUNCT
ajfti-4584	145	11	this	this	DET
ajfti-4584	145	12	result	result	NOUN
ajfti-4584	145	13	may	may	AUX
ajfti-4584	145	14	mislead	mislead	VERB
ajfti-4584	145	15	the	the	DET
ajfti-4584	145	16	policymakers	policymaker	NOUN
ajfti-4584	145	17	about	about	ADP
ajfti-4584	145	18	the	the	DET
ajfti-4584	145	19	real	real	ADJ
ajfti-4584	145	20	effects	effect	NOUN
ajfti-4584	145	21	of	of	ADP
ajfti-4584	145	22	financial	financial	ADJ
ajfti-4584	145	23	inclusion	inclusion	NOUN
ajfti-4584	145	24	on	on	ADP
ajfti-4584	145	25	microenterprises	microenterprise	NOUN
ajfti-4584	145	26	growth	growth	NOUN
ajfti-4584	145	27	in	in	ADP
ajfti-4584	145	28	nigeria	nigeria	PROPN
ajfti-4584	145	29	using	use	VERB
ajfti-4584	145	30	the	the	DET
ajfti-4584	145	31	study	study	NOUN
ajfti-4584	145	32	area	area	NOUN
ajfti-4584	145	33	as	as	ADP
ajfti-4584	145	34	the	the	DET
ajfti-4584	145	35	frontier	frontier	NOUN
ajfti-4584	145	36	.	.	PUNCT
ajfti-4584	146	1	therefore	therefore	ADV
ajfti-4584	146	2	,	,	PUNCT
ajfti-4584	146	3	an	an	DET
ajfti-4584	146	4	efficient	efficient	ADJ
ajfti-4584	146	5	estimation	estimation	NOUN
ajfti-4584	146	6	is	be	AUX
ajfti-4584	146	7	required	require	VERB
ajfti-4584	146	8	for	for	ADP
ajfti-4584	146	9	informed	informed	ADJ
ajfti-4584	146	10	policy	policy	NOUN
ajfti-4584	146	11	-	-	PUNCT
ajfti-4584	146	12	making	make	VERB
ajfti-4584	146	13	decisions	decision	NOUN
ajfti-4584	146	14	on	on	ADP
ajfti-4584	146	15	financial	financial	ADJ
ajfti-4584	146	16	inclusion	inclusion	NOUN
ajfti-4584	146	17	among	among	ADP
ajfti-4584	146	18	micro	micro	NOUN
ajfti-4584	146	19	-	-	NOUN
ajfti-4584	146	20	firms	firm	NOUN
ajfti-4584	146	21	in	in	ADP
ajfti-4584	146	22	nigeria	nigeria	PROPN
ajfti-4584	146	23	via	via	ADP
ajfti-4584	146	24	the	the	DET
ajfti-4584	146	25	use	use	NOUN
ajfti-4584	146	26	of	of	ADP
ajfti-4584	146	27	education	education	NOUN
ajfti-4584	146	28	as	as	ADP
ajfti-4584	146	29	an	an	DET
ajfti-4584	146	30	instrumental	instrumental	ADJ
ajfti-4584	146	31	variable	variable	NOUN
ajfti-4584	146	32	.	.	PUNCT
ajfti-4584	147	1	the	the	DET
ajfti-4584	147	2	analysis	analysis	NOUN
ajfti-4584	147	3	is	be	AUX
ajfti-4584	147	4	critical	critical	ADJ
ajfti-4584	147	5	to	to	PART
ajfti-4584	147	6	ascertain	ascertain	VERB
ajfti-4584	147	7	if	if	SCONJ
ajfti-4584	147	8	financial	financial	ADJ
ajfti-4584	147	9	inclusion	inclusion	NOUN
ajfti-4584	147	10	measures	measure	NOUN
ajfti-4584	147	11	(	(	PUNCT
ajfti-4584	147	12	accessibility	accessibility	NOUN
ajfti-4584	147	13	,	,	PUNCT
ajfti-4584	147	14	availability	availability	NOUN
ajfti-4584	147	15	and	and	CCONJ
ajfti-4584	147	16	usage	usage	NOUN
ajfti-4584	147	17	of	of	ADP
ajfti-4584	147	18	formal	formal	ADJ
ajfti-4584	147	19	financial	financial	ADJ
ajfti-4584	147	20	services	service	NOUN
ajfti-4584	147	21	)	)	PUNCT
ajfti-4584	147	22	used	use	VERB
ajfti-4584	147	23	by	by	ADP
ajfti-4584	147	24	the	the	DET
ajfti-4584	147	25	study	study	NOUN
ajfti-4584	147	26	have	have	VERB
ajfti-4584	147	27	high	high	ADJ
ajfti-4584	147	28	correlations	correlation	NOUN
ajfti-4584	147	29	with	with	ADP
ajfti-4584	147	30	unobserved	unobserved	ADJ
ajfti-4584	147	31	factors	factor	NOUN
ajfti-4584	147	32	(	(	PUNCT
ajfti-4584	147	33	error	error	NOUN
ajfti-4584	147	34	term	term	NOUN
ajfti-4584	147	35	)	)	PUNCT
ajfti-4584	147	36	–	–	PUNCT
ajfti-4584	147	37	an	an	DET
ajfti-4584	147	38	incidence	incidence	NOUN
ajfti-4584	147	39	of	of	ADP
ajfti-4584	147	40	endogeneity	endogeneity	NOUN
ajfti-4584	147	41	.	.	PUNCT
ajfti-4584	148	1	consequently	consequently	ADV
ajfti-4584	148	2	,	,	PUNCT
ajfti-4584	148	3	the	the	DET
ajfti-4584	148	4	study	study	NOUN
ajfti-4584	148	5	uses	use	VERB
ajfti-4584	148	6	“	"	PUNCT
ajfti-4584	148	7	education	education	NOUN
ajfti-4584	148	8	”	"	PUNCT
ajfti-4584	148	9	as	as	ADP
ajfti-4584	148	10	an	an	DET
ajfti-4584	148	11	instrumental	instrumental	ADJ
ajfti-4584	148	12	variable	variable	NOUN
ajfti-4584	148	13	in	in	ADP
ajfti-4584	148	14	equations	equation	NOUN
ajfti-4584	148	15	5	5	NUM
ajfti-4584	148	16	and	and	CCONJ
ajfti-4584	148	17	6	6	NUM
ajfti-4584	148	18	where	where	SCONJ
ajfti-4584	148	19	each	each	DET
ajfti-4584	148	20	predictor	predictor	NOUN
ajfti-4584	148	21	serves	serve	VERB
ajfti-4584	148	22	as	as	ADP
ajfti-4584	148	23	an	an	DET
ajfti-4584	148	24	outcome	outcome	NOUN
ajfti-4584	148	25	variable	variable	NOUN
ajfti-4584	148	26	explained	explain	VERB
ajfti-4584	148	27	by	by	ADP
ajfti-4584	148	28	a	a	DET
ajfti-4584	148	29	set	set	NOUN
ajfti-4584	148	30	of	of	ADP
ajfti-4584	148	31	other	other	ADJ
ajfti-4584	148	32	predictors	predictor	NOUN
ajfti-4584	148	33	,	,	PUNCT
ajfti-4584	148	34	instrumental	instrumental	ADJ
ajfti-4584	148	35	variable	variable	NOUN
ajfti-4584	148	36	(	(	PUNCT
ajfti-4584	148	37	education	education	NOUN
ajfti-4584	148	38	)	)	PUNCT
ajfti-4584	148	39	and	and	CCONJ
ajfti-4584	148	40	the	the	DET
ajfti-4584	148	41	control	control	NOUN
ajfti-4584	148	42	variable	variable	NOUN
ajfti-4584	148	43	(	(	PUNCT
ajfti-4584	148	44	firm	firm	ADJ
ajfti-4584	148	45	age	age	NOUN
ajfti-4584	148	46	)	)	PUNCT
ajfti-4584	148	47	.	.	PUNCT
ajfti-4584	149	1	these	these	DET
ajfti-4584	149	2	analyses	analysis	NOUN
ajfti-4584	149	3	represent	represent	VERB
ajfti-4584	149	4	the	the	DET
ajfti-4584	149	5	first	first	ADJ
ajfti-4584	149	6	stage	stage	NOUN
ajfti-4584	149	7	of	of	ADP
ajfti-4584	149	8	the	the	DET
ajfti-4584	149	9	2sls	2sls	PROPN
ajfti-4584	149	10	estimation	estimation	NOUN
ajfti-4584	149	11	.	.	PUNCT
ajfti-4584	150	1	however	however	ADV
ajfti-4584	150	2	,	,	PUNCT
ajfti-4584	150	3	the	the	DET
ajfti-4584	150	4	significant	significant	ADJ
ajfti-4584	150	5	results	result	NOUN
ajfti-4584	150	6	of	of	ADP
ajfti-4584	150	7	durbin	durbin	ADJ
ajfti-4584	150	8	(	(	PUNCT
ajfti-4584	150	9	score	score	NOUN
ajfti-4584	150	10	)	)	PUNCT
ajfti-4584	150	11	and	and	CCONJ
ajfti-4584	150	12	wu	wu	PROPN
ajfti-4584	150	13	-	-	PUNCT
ajfti-4584	150	14	hausman	hausman	PROPN
ajfti-4584	150	15	in	in	ADP
ajfti-4584	150	16	columns	column	NOUN
ajfti-4584	150	17	3	3	NUM
ajfti-4584	150	18	and	and	CCONJ
ajfti-4584	150	19	4	4	NUM
ajfti-4584	150	20	of	of	ADP
ajfti-4584	150	21	table	table	NOUN
ajfti-4584	150	22	1	1	NUM
ajfti-4584	150	23	confirm	confirm	VERB
ajfti-4584	150	24	that	that	SCONJ
ajfti-4584	150	25	the	the	DET
ajfti-4584	150	26	relationship	relationship	NOUN
ajfti-4584	150	27	between	between	ADP
ajfti-4584	150	28	financial	financial	ADJ
ajfti-4584	150	29	inclusion	inclusion	NOUN
ajfti-4584	150	30	and	and	CCONJ
ajfti-4584	150	31	employment	employment	NOUN
ajfti-4584	150	32	growth	growth	NOUN
ajfti-4584	150	33	of	of	ADP
ajfti-4584	150	34	microenterprises	microenterprise	NOUN
ajfti-4584	150	35	in	in	ADP
ajfti-4584	150	36	the	the	DET
ajfti-4584	150	37	study	study	NOUN
ajfti-4584	150	38	area	area	NOUN
ajfti-4584	150	39	is	be	AUX
ajfti-4584	150	40	endogenous	endogenous	ADJ
ajfti-4584	150	41	.	.	PUNCT
ajfti-4584	151	1	this	this	PRON
ajfti-4584	151	2	indicates	indicate	VERB
ajfti-4584	151	3	a	a	DET
ajfti-4584	151	4	high	high	ADJ
ajfti-4584	151	5	correlation	correlation	NOUN
ajfti-4584	151	6	between	between	ADP
ajfti-4584	151	7	financial	financial	ADJ
ajfti-4584	151	8	inclusion	inclusion	NOUN
ajfti-4584	151	9	and	and	CCONJ
ajfti-4584	151	10	error	error	NOUN
ajfti-4584	151	11	terms	term	NOUN
ajfti-4584	151	12	in	in	ADP
ajfti-4584	151	13	equations	equation	NOUN
ajfti-4584	151	14	3	3	NUM
ajfti-4584	151	15	-	-	SYM
ajfti-4584	151	16	5	5	NUM
ajfti-4584	151	17	specified	specify	VERB
ajfti-4584	151	18	in	in	ADP
ajfti-4584	151	19	the	the	DET
ajfti-4584	151	20	methodology	methodology	NOUN
ajfti-4584	151	21	section	section	NOUN
ajfti-4584	151	22	.	.	PUNCT
ajfti-4584	152	1	however	however	ADV
ajfti-4584	152	2	,	,	PUNCT
ajfti-4584	152	3	the	the	DET
ajfti-4584	152	4	instrumental	instrumental	ADJ
ajfti-4584	152	5	validity	validity	NOUN
ajfti-4584	152	6	tests	test	NOUN
ajfti-4584	152	7	show	show	VERB
ajfti-4584	152	8	that	that	SCONJ
ajfti-4584	152	9	the	the	DET
ajfti-4584	152	10	instrument	instrument	NOUN
ajfti-4584	152	11	used	use	VERB
ajfti-4584	152	12	in	in	ADP
ajfti-4584	152	13	each	each	PRON
ajfti-4584	152	14	of	of	ADP
ajfti-4584	152	15	the	the	DET
ajfti-4584	152	16	two	two	NUM
ajfti-4584	152	17	equations	equation	NOUN
ajfti-4584	152	18	under	under	ADP
ajfti-4584	152	19	the	the	DET
ajfti-4584	152	20	first	first	ADJ
ajfti-4584	152	21	-	-	PUNCT
ajfti-4584	152	22	stage	stage	NOUN
ajfti-4584	152	23	estimation	estimation	NOUN
ajfti-4584	152	24	is	be	AUX
ajfti-4584	152	25	valid	valid	ADJ
ajfti-4584	152	26	in	in	ADP
ajfti-4584	152	27	two	two	NUM
ajfti-4584	152	28	cases	case	NOUN
ajfti-4584	152	29	as	as	SCONJ
ajfti-4584	152	30	f	f	NOUN
ajfti-4584	152	31	-	-	PUNCT
ajfti-4584	152	32	statistic	statistic	ADJ
ajfti-4584	152	33	values	value	NOUN
ajfti-4584	152	34	are	be	AUX
ajfti-4584	152	35	greater	great	ADJ
ajfti-4584	152	36	than	than	ADP
ajfti-4584	152	37	10	10	NUM
ajfti-4584	152	38	being	be	AUX
ajfti-4584	152	39	the	the	DET
ajfti-4584	152	40	threshold	threshold	NOUN
ajfti-4584	152	41	.	.	PUNCT
ajfti-4584	153	1	thus	thus	ADV
ajfti-4584	153	2	,	,	PUNCT
ajfti-4584	153	3	the	the	DET
ajfti-4584	153	4	2sls	2sls	NOUN
ajfti-4584	153	5	technique	technique	NOUN
ajfti-4584	153	6	will	will	AUX
ajfti-4584	153	7	produce	produce	VERB
ajfti-4584	153	8	more	more	ADV
ajfti-4584	153	9	efficient	efficient	ADJ
ajfti-4584	153	10	and	and	CCONJ
ajfti-4584	153	11	consistent	consistent	ADJ
ajfti-4584	153	12	estimates	estimate	NOUN
ajfti-4584	153	13	than	than	ADP
ajfti-4584	153	14	the	the	DET
ajfti-4584	153	15	traditional	traditional	ADJ
ajfti-4584	153	16	ols	ol	NOUN
ajfti-4584	153	17	.	.	PUNCT
ajfti-4584	154	1	therefore	therefore	ADV
ajfti-4584	154	2	,	,	PUNCT
ajfti-4584	154	3	financial	financial	ADJ
ajfti-4584	154	4	inclusion	inclusion	NOUN
ajfti-4584	154	5	measures	measure	NOUN
ajfti-4584	154	6	were	be	AUX
ajfti-4584	154	7	then	then	ADV
ajfti-4584	154	8	instrumented	instrumented	ADJ
ajfti-4584	154	9	and	and	CCONJ
ajfti-4584	154	10	new	new	ADJ
ajfti-4584	154	11	predicted	predict	VERB
ajfti-4584	154	12	values	value	NOUN
ajfti-4584	154	13	were	be	AUX
ajfti-4584	154	14	created	create	VERB
ajfti-4584	154	15	through	through	ADP
ajfti-4584	154	16	the	the	DET
ajfti-4584	154	17	first	first	ADJ
ajfti-4584	154	18	stage	stage	NOUN
ajfti-4584	154	19	.	.	PUNCT
ajfti-4584	155	1	subsequently	subsequently	ADV
ajfti-4584	155	2	,	,	PUNCT
ajfti-4584	155	3	the	the	DET
ajfti-4584	155	4	predicted	predict	VERB
ajfti-4584	155	5	scores	score	NOUN
ajfti-4584	155	6	are	be	AUX
ajfti-4584	155	7	then	then	ADV
ajfti-4584	155	8	used	use	VERB
ajfti-4584	155	9	to	to	PART
ajfti-4584	155	10	represent	represent	VERB
ajfti-4584	155	11	scores	score	NOUN
ajfti-4584	155	12	for	for	ADP
ajfti-4584	155	13	the	the	DET
ajfti-4584	155	14	predictors	predictor	NOUN
ajfti-4584	155	15	in	in	ADP
ajfti-4584	155	16	the	the	DET
ajfti-4584	155	17	second	second	ADJ
ajfti-4584	155	18	stage	stage	NOUN
ajfti-4584	155	19	of	of	ADP
ajfti-4584	155	20	the	the	DET
ajfti-4584	155	21	2sls	2sls	PROPN
ajfti-4584	155	22	procedure	procedure	NOUN
ajfti-4584	155	23	.	.	PUNCT
ajfti-4584	156	1	from	from	ADP
ajfti-4584	156	2	the	the	DET
ajfti-4584	156	3	second	second	ADJ
ajfti-4584	156	4	stage	stage	NOUN
ajfti-4584	156	5	estimation	estimation	NOUN
ajfti-4584	156	6	,	,	PUNCT
ajfti-4584	156	7	accessibility	accessibility	NOUN
ajfti-4584	156	8	(	(	PUNCT
ajfti-4584	156	9	acc	acc	PROPN
ajfti-4584	156	10	hat	hat	PROPN
ajfti-4584	156	11	)	)	PUNCT
ajfti-4584	156	12	of	of	ADP
ajfti-4584	156	13	formal	formal	ADJ
ajfti-4584	156	14	financial	financial	ADJ
ajfti-4584	156	15	services	service	NOUN
ajfti-4584	156	16	is	be	AUX
ajfti-4584	156	17	observed	observe	VERB
ajfti-4584	156	18	as	as	ADP
ajfti-4584	156	19	a	a	DET
ajfti-4584	156	20	negative	negative	ADJ
ajfti-4584	156	21	but	but	CCONJ
ajfti-4584	156	22	significant	significant	ADJ
ajfti-4584	156	23	predictor	predictor	NOUN
ajfti-4584	156	24	of	of	ADP
ajfti-4584	156	25	growth	growth	NOUN
ajfti-4584	156	26	in	in	ADP
ajfti-4584	156	27	the	the	DET
ajfti-4584	156	28	worker	worker	NOUN
ajfti-4584	156	29	additional	additional	ADJ
ajfti-4584	156	30	employment	employment	NOUN
ajfti-4584	156	31	by	by	ADP
ajfti-4584	156	32	microenterprises	microenterprise	NOUN
ajfti-4584	156	33	in	in	ADP
ajfti-4584	156	34	the	the	DET
ajfti-4584	156	35	study	study	NOUN
ajfti-4584	156	36	area	area	NOUN
ajfti-4584	156	37	.	.	PUNCT
ajfti-4584	157	1	by	by	ADP
ajfti-4584	157	2	implication	implication	NOUN
ajfti-4584	157	3	,	,	PUNCT
ajfti-4584	157	4	a	a	DET
ajfti-4584	157	5	1	1	NUM
ajfti-4584	157	6	%	%	NOUN
ajfti-4584	157	7	increase	increase	NOUN
ajfti-4584	157	8	in	in	ADP
ajfti-4584	157	9	access	access	NOUN
ajfti-4584	157	10	to	to	ADP
ajfti-4584	157	11	the	the	DET
ajfti-4584	157	12	formal	formal	ADJ
ajfti-4584	157	13	financial	financial	ADJ
ajfti-4584	157	14	system	system	NOUN
ajfti-4584	157	15	will	will	AUX
ajfti-4584	157	16	significantly	significantly	ADV
ajfti-4584	157	17	lead	lead	VERB
ajfti-4584	157	18	to	to	ADP
ajfti-4584	157	19	a	a	DET
ajfti-4584	157	20	corresponding	corresponding	ADJ
ajfti-4584	157	21	1.13	1.13	NUM
ajfti-4584	157	22	%	%	NOUN
ajfti-4584	157	23	decrease	decrease	NOUN
ajfti-4584	157	24	in	in	ADP
ajfti-4584	157	25	the	the	DET
ajfti-4584	157	26	employment	employment	NOUN
ajfti-4584	157	27	growth	growth	NOUN
ajfti-4584	157	28	of	of	ADP
ajfti-4584	157	29	the	the	DET
ajfti-4584	157	30	sampled	sample	VERB
ajfti-4584	157	31	firms	firm	NOUN
ajfti-4584	157	32	at	at	ADP
ajfti-4584	157	33	three	three	NUM
ajfti-4584	157	34	significance	significance	NOUN
ajfti-4584	157	35	levels	level	NOUN
ajfti-4584	157	36	(	(	PUNCT
ajfti-4584	157	37	1	1	NUM
ajfti-4584	157	38	%	%	NOUN
ajfti-4584	157	39	,	,	PUNCT
ajfti-4584	157	40	5	5	NUM
ajfti-4584	157	41	%	%	NOUN
ajfti-4584	157	42	and	and	CCONJ
ajfti-4584	157	43	10	10	NUM
ajfti-4584	157	44	%	%	NOUN
ajfti-4584	157	45	respectively	respectively	ADV
ajfti-4584	157	46	)	)	PUNCT
ajfti-4584	157	47	.	.	PUNCT
ajfti-4584	158	1	the	the	DET
ajfti-4584	158	2	observed	observe	VERB
ajfti-4584	158	3	significant	significant	ADJ
ajfti-4584	158	4	negative	negative	ADJ
ajfti-4584	158	5	result	result	NOUN
ajfti-4584	158	6	contradicts	contradict	VERB
ajfti-4584	158	7	the	the	DET
ajfti-4584	158	8	positive	positive	ADJ
ajfti-4584	158	9	result	result	NOUN
ajfti-4584	158	10	obtained	obtain	VERB
ajfti-4584	158	11	on	on	ADP
ajfti-4584	158	12	accessibility	accessibility	NOUN
ajfti-4584	158	13	under	under	ADP
ajfti-4584	158	14	the	the	DET
ajfti-4584	158	15	traditional	traditional	ADJ
ajfti-4584	158	16	ols	ol	NOUN
ajfti-4584	158	17	.	.	PUNCT
ajfti-4584	159	1	again	again	ADV
ajfti-4584	159	2	,	,	PUNCT
ajfti-4584	159	3	it	it	PRON
ajfti-4584	159	4	is	be	AUX
ajfti-4584	159	5	shown	show	VERB
ajfti-4584	159	6	in	in	ADP
ajfti-4584	159	7	column	column	NOUN
ajfti-4584	159	8	5	5	NUM
ajfti-4584	159	9	of	of	ADP
ajfti-4584	159	10	table	table	NOUN
ajfti-4584	159	11	1	1	NUM
ajfti-4584	159	12	that	that	SCONJ
ajfti-4584	159	13	the	the	DET
ajfti-4584	159	14	result	result	NOUN
ajfti-4584	159	15	obtained	obtain	VERB
ajfti-4584	159	16	earlier	early	ADV
ajfti-4584	159	17	from	from	ADP
ajfti-4584	159	18	the	the	DET
ajfti-4584	159	19	classical	classical	ADJ
ajfti-4584	159	20	ols	ol	NOUN
ajfti-4584	159	21	is	be	AUX
ajfti-4584	159	22	overestimated	overestimate	VERB
ajfti-4584	159	23	.	.	PUNCT
ajfti-4584	160	1	thus	thus	ADV
ajfti-4584	160	2	,	,	PUNCT
ajfti-4584	160	3	the	the	DET
ajfti-4584	160	4	standard	standard	ADJ
ajfti-4584	160	5	ols	ol	NOUN
ajfti-4584	160	6	method	method	NOUN
ajfti-4584	160	7	yields	yield	NOUN
ajfti-4584	160	8	misleading	mislead	VERB
ajfti-4584	160	9	results	result	NOUN
ajfti-4584	160	10	on	on	ADP
ajfti-4584	160	11	the	the	DET
ajfti-4584	160	12	impact	impact	NOUN
ajfti-4584	160	13	of	of	ADP
ajfti-4584	160	14	micro	micro	ADJ
ajfti-4584	160	15	-	-	ADJ
ajfti-4584	160	16	firm	firm	ADJ
ajfti-4584	160	17	workers	worker	NOUN
ajfti-4584	160	18	’	’	PART
ajfti-4584	160	19	employment	employment	NOUN
ajfti-4584	160	20	on	on	ADP
ajfti-4584	160	21	access	access	NOUN
ajfti-4584	160	22	to	to	ADP
ajfti-4584	160	23	formal	formal	ADJ
ajfti-4584	160	24	financial	financial	ADJ
ajfti-4584	160	25	services	service	NOUN
ajfti-4584	160	26	in	in	ADP
ajfti-4584	160	27	the	the	DET
ajfti-4584	160	28	study	study	NOUN
ajfti-4584	160	29	area	area	NOUN
ajfti-4584	160	30	.	.	PUNCT
ajfti-4584	161	1	similarly	similarly	ADV
ajfti-4584	161	2	,	,	PUNCT
ajfti-4584	161	3	the	the	DET
ajfti-4584	161	4	second	second	ADJ
ajfti-4584	161	5	stage	stage	NOUN
ajfti-4584	161	6	result	result	NOUN
ajfti-4584	161	7	in	in	ADP
ajfti-4584	161	8	column	column	NOUN
ajfti-4584	161	9	5	5	NUM
ajfti-4584	161	10	of	of	ADP
ajfti-4584	161	11	table	table	NOUN
ajfti-4584	161	12	1	1	NUM
ajfti-4584	161	13	further	far	ADV
ajfti-4584	161	14	reveals	reveal	VERB
ajfti-4584	161	15	that	that	SCONJ
ajfti-4584	161	16	the	the	DET
ajfti-4584	161	17	predicted	predict	VERB
ajfti-4584	161	18	score	score	NOUN
ajfti-4584	161	19	of	of	ADP
ajfti-4584	161	20	formal	formal	ADJ
ajfti-4584	161	21	financial	financial	ADJ
ajfti-4584	161	22	services	service	NOUN
ajfti-4584	161	23	and	and	CCONJ
ajfti-4584	161	24	products	product	NOUN
ajfti-4584	161	25	for	for	ADP
ajfti-4584	161	26	availability	availability	NOUN
ajfti-4584	161	27	produces	produce	VERB
ajfti-4584	161	28	a	a	DET
ajfti-4584	161	29	negative	negative	ADJ
ajfti-4584	161	30	but	but	CCONJ
ajfti-4584	161	31	significant	significant	ADJ
ajfti-4584	161	32	impact	impact	NOUN
ajfti-4584	161	33	on	on	ADP
ajfti-4584	161	34	the	the	DET
ajfti-4584	161	35	worker	worker	NOUN
ajfti-4584	161	36	employment	employment	NOUN
ajfti-4584	161	37	growth	growth	NOUN
ajfti-4584	161	38	among	among	ADP
ajfti-4584	161	39	the	the	DET
ajfti-4584	161	40	population	population	NOUN
ajfti-4584	161	41	of	of	ADP
ajfti-4584	161	42	microenterprises	microenterprise	NOUN
ajfti-4584	161	43	in	in	ADP
ajfti-4584	161	44	the	the	DET
ajfti-4584	161	45	study	study	NOUN
ajfti-4584	161	46	area	area	NOUN
ajfti-4584	161	47	.	.	PUNCT
ajfti-4584	162	1	it	it	PRON
ajfti-4584	162	2	shows	show	VERB
ajfti-4584	162	3	that	that	SCONJ
ajfti-4584	162	4	a	a	DET
ajfti-4584	162	5	1	1	NUM
ajfti-4584	162	6	%	%	NOUN
ajfti-4584	162	7	increase	increase	NOUN
ajfti-4584	162	8	in	in	ADP
ajfti-4584	162	9	the	the	DET
ajfti-4584	162	10	rate	rate	NOUN
ajfti-4584	162	11	of	of	ADP
ajfti-4584	162	12	availability	availability	NOUN
ajfti-4584	162	13	of	of	ADP
ajfti-4584	162	14	formal	formal	ADJ
ajfti-4584	162	15	financial	financial	ADJ
ajfti-4584	162	16	services	service	NOUN
ajfti-4584	162	17	and	and	CCONJ
ajfti-4584	162	18	products	product	NOUN
ajfti-4584	162	19	will	will	AUX
ajfti-4584	162	20	significantly	significantly	ADV
ajfti-4584	162	21	cause	cause	VERB
ajfti-4584	162	22	a	a	DET
ajfti-4584	162	23	1.76	1.76	NUM
ajfti-4584	162	24	%	%	NOUN
ajfti-4584	162	25	decrease	decrease	NOUN
ajfti-4584	162	26	in	in	ADP
ajfti-4584	162	27	the	the	DET
ajfti-4584	162	28	employment	employment	NOUN
ajfti-4584	162	29	growth	growth	NOUN
ajfti-4584	162	30	of	of	ADP
ajfti-4584	162	31	micro	micro	NOUN
ajfti-4584	162	32	-	-	NOUN
ajfti-4584	162	33	firms	firm	NOUN
ajfti-4584	162	34	in	in	ADP
ajfti-4584	162	35	the	the	DET
ajfti-4584	162	36	abeokuta	abeokuta	PROPN
ajfti-4584	162	37	metropolis	metropolis	NOUN
ajfti-4584	162	38	.	.	PUNCT
ajfti-4584	163	1	however	however	ADV
ajfti-4584	163	2	,	,	PUNCT
ajfti-4584	163	3	when	when	SCONJ
ajfti-4584	163	4	compared	compare	VERB
ajfti-4584	163	5	,	,	PUNCT
ajfti-4584	163	6	the	the	DET
ajfti-4584	163	7	result	result	NOUN
ajfti-4584	163	8	confirms	confirm	VERB
ajfti-4584	163	9	that	that	SCONJ
ajfti-4584	163	10	standard	standard	ADJ
ajfti-4584	163	11	ols	ol	NOUN
ajfti-4584	163	12	produces	produce	VERB
ajfti-4584	163	13	an	an	DET
ajfti-4584	163	14	underestimated	underestimated	ADJ
ajfti-4584	163	15	result	result	NOUN
ajfti-4584	163	16	on	on	ADP
ajfti-4584	163	17	the	the	DET
ajfti-4584	163	18	true	true	ADJ
ajfti-4584	163	19	impact	impact	NOUN
ajfti-4584	163	20	of	of	ADP
ajfti-4584	163	21	formal	formal	ADJ
ajfti-4584	163	22	financial	financial	ADJ
ajfti-4584	163	23	system	system	NOUN
ajfti-4584	163	24	services	service	NOUN
ajfti-4584	163	25	availability	availability	NOUN
ajfti-4584	163	26	on	on	ADP
ajfti-4584	163	27	employment	employment	NOUN
ajfti-4584	163	28	growth	growth	NOUN
ajfti-4584	163	29	among	among	ADP
ajfti-4584	163	30	micro	micro	NOUN
ajfti-4584	163	31	-	-	NOUN
ajfti-4584	163	32	businesses	business	NOUN
ajfti-4584	163	33	in	in	ADP
ajfti-4584	163	34	the	the	DET
ajfti-4584	163	35	study	study	NOUN
ajfti-4584	163	36	area	area	NOUN
ajfti-4584	163	37	.	.	PUNCT
ajfti-4584	164	1	this	this	DET
ajfti-4584	164	2	evidence	evidence	NOUN
ajfti-4584	164	3	also	also	ADV
ajfti-4584	164	4	corroborates	corroborate	VERB
ajfti-4584	164	5	biased	biased	ADJ
ajfti-4584	164	6	and	and	CCONJ
ajfti-4584	164	7	inconsistent	inconsistent	ADJ
ajfti-4584	164	8	estimation	estimation	NOUN
ajfti-4584	164	9	by	by	ADP
ajfti-4584	164	10	the	the	DET
ajfti-4584	164	11	traditional	traditional	ADJ
ajfti-4584	164	12	ols	ol	NOUN
ajfti-4584	164	13	and	and	CCONJ
ajfti-4584	164	14	thus	thus	ADV
ajfti-4584	164	15	buttresses	buttress	VERB
ajfti-4584	164	16	the	the	DET
ajfti-4584	164	17	relevance	relevance	NOUN
ajfti-4584	164	18	of	of	ADP
ajfti-4584	164	19	the	the	DET
ajfti-4584	164	20	2sls	2sls	NOUN
ajfti-4584	164	21	approach	approach	NOUN
ajfti-4584	164	22	used	use	VERB
ajfti-4584	164	23	by	by	ADP
ajfti-4584	164	24	the	the	DET
ajfti-4584	164	25	current	current	ADJ
ajfti-4584	164	26	study	study	NOUN
ajfti-4584	164	27	.	.	PUNCT
ajfti-4584	165	1	the	the	DET
ajfti-4584	165	2	test	test	NOUN
ajfti-4584	165	3	of	of	ADP
ajfti-4584	165	4	overall	overall	ADJ
ajfti-4584	165	5	model	model	NOUN
ajfti-4584	165	6	significance	significance	NOUN
ajfti-4584	165	7	notes	note	VERB
ajfti-4584	165	8	:	:	PUNCT
ajfti-4584	165	9	(	(	PUNCT
ajfti-4584	165	10	1	1	X
ajfti-4584	165	11	)	)	PUNCT
ajfti-4584	165	12	variables	variable	NOUN
ajfti-4584	165	13	such	such	ADJ
ajfti-4584	165	14	as	as	ADP
ajfti-4584	165	15	acc	acc	PROPN
ajfti-4584	165	16	(	(	PUNCT
ajfti-4584	165	17	accessibility	accessibility	NOUN
ajfti-4584	165	18	)	)	PUNCT
ajfti-4584	165	19	and	and	CCONJ
ajfti-4584	165	20	avl	avl	PROPN
ajfti-4584	165	21	(	(	PUNCT
ajfti-4584	165	22	availability	availability	NOUN
ajfti-4584	165	23	)	)	PUNCT
ajfti-4584	165	24	are	be	AUX
ajfti-4584	165	25	the	the	DET
ajfti-4584	165	26	endogenous	endogenous	ADJ
ajfti-4584	165	27	predictors	predictor	NOUN
ajfti-4584	165	28	;	;	PUNCT
ajfti-4584	165	29	(	(	PUNCT
ajfti-4584	165	30	2	2	X
ajfti-4584	165	31	)	)	PUNCT
ajfti-4584	165	32	fag	fag	NOUN
ajfti-4584	165	33	(	(	PUNCT
ajfti-4584	165	34	firm	firm	ADJ
ajfti-4584	165	35	age	age	NOUN
ajfti-4584	165	36	)	)	PUNCT
ajfti-4584	165	37	as	as	ADP
ajfti-4584	165	38	a	a	DET
ajfti-4584	165	39	categorical	categorical	ADJ
ajfti-4584	165	40	control	control	NOUN
ajfti-4584	165	41	variable	variable	NOUN
ajfti-4584	165	42	(	(	PUNCT
ajfti-4584	165	43	covariate)is	covariate)is	PROPN
ajfti-4584	165	44	measured	measure	VERB
ajfti-4584	165	45	on	on	ADP
ajfti-4584	165	46	three	three	NUM
ajfti-4584	165	47	levels	level	NOUN
ajfti-4584	165	48	with	with	ADP
ajfti-4584	165	49	“	"	PUNCT
ajfti-4584	165	50	young	young	ADJ
ajfti-4584	165	51	firm	firm	NOUN
ajfti-4584	165	52	”	"	PUNCT
ajfti-4584	165	53	(	(	PUNCT
ajfti-4584	165	54	(	(	PUNCT
ajfti-4584	165	55	less	less	ADJ
ajfti-4584	165	56	than	than	ADP
ajfti-4584	165	57	3	3	NUM
ajfti-4584	165	58	years	year	NOUN
ajfti-4584	165	59	)	)	PUNCT
ajfti-4584	165	60	coded	code	VERB
ajfti-4584	165	61	as	as	ADP
ajfti-4584	165	62	1	1	NUM
ajfti-4584	165	63	(	(	PUNCT
ajfti-4584	165	64	the	the	DET
ajfti-4584	165	65	reference	reference	NOUN
ajfti-4584	165	66	group	group	NOUN
ajfti-4584	165	67	)	)	PUNCT
ajfti-4584	165	68	,	,	PUNCT
ajfti-4584	165	69	“	"	PUNCT
ajfti-4584	165	70	mature	mature	ADJ
ajfti-4584	165	71	firms	firm	NOUN
ajfti-4584	165	72	”	"	PUNCT
ajfti-4584	165	73	(	(	PUNCT
ajfti-4584	165	74	above	above	ADP
ajfti-4584	165	75	3	3	NUM
ajfti-4584	165	76	years	year	NOUN
ajfti-4584	165	77	to	to	ADP
ajfti-4584	165	78	6	6	NUM
ajfti-4584	165	79	years	year	NOUN
ajfti-4584	165	80	)	)	PUNCT
ajfti-4584	165	81	coded	code	VERB
ajfti-4584	165	82	as	as	ADP
ajfti-4584	165	83	2	2	NUM
ajfti-4584	165	84	and	and	CCONJ
ajfti-4584	165	85	“	"	PUNCT
ajfti-4584	165	86	senior	senior	ADJ
ajfti-4584	165	87	firms	firm	NOUN
ajfti-4584	165	88	”	"	PUNCT
ajfti-4584	165	89	(	(	PUNCT
ajfti-4584	165	90	7	7	NUM
ajfti-4584	165	91	-	-	SYM
ajfti-4584	165	92	10	10	NUM
ajfti-4584	165	93	years	year	NOUN
ajfti-4584	165	94	)	)	PUNCT
ajfti-4584	165	95	coded	code	VERB
ajfti-4584	165	96	third	third	ADJ
ajfti-4584	165	97	category	category	NOUN
ajfti-4584	165	98	;	;	PUNCT
ajfti-4584	165	99	(	(	PUNCT
ajfti-4584	165	100	3	3	X
ajfti-4584	165	101	)	)	PUNCT
ajfti-4584	165	102	standard	standard	ADJ
ajfti-4584	165	103	errors	error	NOUN
ajfti-4584	165	104	are	be	AUX
ajfti-4584	165	105	contained	contain	VERB
ajfti-4584	165	106	in	in	ADP
ajfti-4584	165	107	the	the	DET
ajfti-4584	165	108	parentheses	parenthesis	NOUN
ajfti-4584	165	109	;	;	PUNCT
ajfti-4584	165	110	(	(	PUNCT
ajfti-4584	165	111	4	4	X
ajfti-4584	165	112	)	)	PUNCT
ajfti-4584	165	113	significance	significance	NOUN
ajfti-4584	165	114	levels	level	NOUN
ajfti-4584	165	115	are	be	AUX
ajfti-4584	165	116	represented	represent	VERB
ajfti-4584	165	117	*	*	PUNCT
ajfti-4584	165	118	*	*	PUNCT
ajfti-4584	165	119	*	*	PUNCT
ajfti-4584	165	120	(	(	PUNCT
ajfti-4584	165	121	1	1	NUM
ajfti-4584	165	122	%	%	NOUN
ajfti-4584	165	123	)	)	PUNCT
ajfti-4584	165	124	,	,	PUNCT
ajfti-4584	165	125	*	*	PUNCT
ajfti-4584	165	126	*	*	PUNCT
ajfti-4584	165	127	(	(	PUNCT
ajfti-4584	165	128	5	5	NUM
ajfti-4584	165	129	%	%	NOUN
ajfti-4584	165	130	)	)	PUNCT
ajfti-4584	165	131	and	and	CCONJ
ajfti-4584	165	132	*	*	PUNCT
ajfti-4584	165	133	(	(	PUNCT
ajfti-4584	165	134	10	10	NUM
ajfti-4584	165	135	%	%	NOUN
ajfti-4584	165	136	)	)	PUNCT
ajfti-4584	165	137	respectively	respectively	ADV
ajfti-4584	165	138	.	.	PUNCT
ajfti-4584	166	1	source	source	NOUN
ajfti-4584	166	2	:	:	PUNCT
ajfti-4584	166	3	authors	author	NOUN
ajfti-4584	166	4	’	'	PUNCT
ajfti-4584	166	5	computations	computation	NOUN
ajfti-4584	166	6	from	from	ADP
ajfti-4584	166	7	stata	stata	NOUN
ajfti-4584	166	8	12.1	12.1	NUM
ajfti-4584	166	9	outputs	output	NOUN
ajfti-4584	166	10	(	(	PUNCT
ajfti-4584	166	11	2025	2025	NUM
ajfti-4584	166	12	)	)	PUNCT
ajfti-4584	166	13	pa	pa	PROPN
ajfti-4584	166	14	ge	ge	PROPN
ajfti-4584	166	15	16	16	NUM
ajfti-4584	166	16	0	0	NUM
ajfti-4584	166	17	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-4584	166	18	am	be	AUX
ajfti-4584	166	19	.	.	PUNCT
ajfti-4584	167	1	j.	j.	PROPN
ajfti-4584	167	2	financ	financ	PROPN
ajfti-4584	167	3	.	.	PUNCT
ajfti-4584	168	1	technol	technol	PROPN
ajfti-4584	168	2	.	.	PUNCT
ajfti-4584	168	3	innov	innov	PROPN
ajfti-4584	168	4	.	.	PUNCT
ajfti-4584	169	1	3(1	3(1	NUM
ajfti-4584	169	2	)	)	PUNCT
ajfti-4584	169	3	155	155	NUM
ajfti-4584	169	4	-	-	SYM
ajfti-4584	169	5	161	161	NUM
ajfti-4584	169	6	,	,	PUNCT
ajfti-4584	169	7	2025	2025	NUM
ajfti-4584	169	8	shows	show	NOUN
ajfti-4584	169	9	in	in	ADP
ajfti-4584	169	10	table	table	NOUN
ajfti-4584	169	11	1	1	NUM
ajfti-4584	169	12	that	that	SCONJ
ajfti-4584	169	13	the	the	DET
ajfti-4584	169	14	2sls	2sls	NOUN
ajfti-4584	169	15	outperforms	outperform	VERB
ajfti-4584	169	16	the	the	DET
ajfti-4584	169	17	standard	standard	ADJ
ajfti-4584	169	18	ols	ol	NOUN
ajfti-4584	169	19	approach	approach	NOUN
ajfti-4584	169	20	.	.	PUNCT
ajfti-4584	170	1	again	again	ADV
ajfti-4584	170	2	,	,	PUNCT
ajfti-4584	170	3	in	in	ADP
ajfti-4584	170	4	terms	term	NOUN
ajfti-4584	170	5	of	of	ADP
ajfti-4584	170	6	r	r	NOUN
ajfti-4584	170	7	-	-	PUNCT
ajfti-4584	170	8	squared	square	VERB
ajfti-4584	170	9	comparison	comparison	NOUN
ajfti-4584	170	10	,	,	PUNCT
ajfti-4584	170	11	financial	financial	ADJ
ajfti-4584	170	12	inclusion	inclusion	NOUN
ajfti-4584	170	13	from	from	ADP
ajfti-4584	170	14	the	the	DET
ajfti-4584	170	15	2sls	2sls	PROPN
ajfti-4584	170	16	model	model	NOUN
ajfti-4584	170	17	(	(	PUNCT
ajfti-4584	170	18	second	second	ADJ
ajfti-4584	170	19	stage	stage	NOUN
ajfti-4584	170	20	)	)	PUNCT
ajfti-4584	170	21	explains	explain	VERB
ajfti-4584	170	22	55.33	55.33	NUM
ajfti-4584	170	23	%	%	NOUN
ajfti-4584	170	24	of	of	ADP
ajfti-4584	170	25	the	the	DET
ajfti-4584	170	26	total	total	ADJ
ajfti-4584	170	27	variance	variance	NOUN
ajfti-4584	170	28	in	in	ADP
ajfti-4584	170	29	worker	worker	NOUN
ajfti-4584	170	30	employment	employment	NOUN
ajfti-4584	170	31	growth	growth	NOUN
ajfti-4584	170	32	among	among	ADP
ajfti-4584	170	33	microenterprises	microenterprise	NOUN
ajfti-4584	170	34	in	in	ADP
ajfti-4584	170	35	the	the	DET
ajfti-4584	170	36	study	study	NOUN
ajfti-4584	170	37	area	area	NOUN
ajfti-4584	170	38	,	,	PUNCT
ajfti-4584	170	39	whereas	whereas	SCONJ
ajfti-4584	170	40	in	in	ADP
ajfti-4584	170	41	the	the	DET
ajfti-4584	170	42	standard	standard	ADJ
ajfti-4584	170	43	ols	ol	NOUN
ajfti-4584	170	44	,	,	PUNCT
ajfti-4584	170	45	the	the	DET
ajfti-4584	170	46	total	total	ADJ
ajfti-4584	170	47	amount	amount	NOUN
ajfti-4584	170	48	of	of	ADP
ajfti-4584	170	49	variation	variation	NOUN
ajfti-4584	170	50	explained	explain	VERB
ajfti-4584	170	51	was	be	AUX
ajfti-4584	170	52	34	34	NUM
ajfti-4584	170	53	per	per	ADP
ajfti-4584	170	54	cent	cent	NOUN
ajfti-4584	170	55	.	.	PUNCT
ajfti-4584	171	1	therefore	therefore	ADV
ajfti-4584	171	2	,	,	PUNCT
ajfti-4584	171	3	using	use	VERB
ajfti-4584	171	4	2sls	2sls	NOUN
ajfti-4584	171	5	in	in	ADP
ajfti-4584	171	6	this	this	DET
ajfti-4584	171	7	study	study	NOUN
ajfti-4584	171	8	is	be	AUX
ajfti-4584	171	9	deemed	deem	VERB
ajfti-4584	171	10	appropriate	appropriate	ADJ
ajfti-4584	171	11	and	and	CCONJ
ajfti-4584	171	12	efficient	efficient	ADJ
ajfti-4584	171	13	.	.	PUNCT
ajfti-4584	172	1	in	in	ADP
ajfti-4584	172	2	the	the	DET
ajfti-4584	172	3	real	real	ADJ
ajfti-4584	172	4	sense	sense	NOUN
ajfti-4584	172	5	,	,	PUNCT
ajfti-4584	172	6	the	the	DET
ajfti-4584	172	7	2sls	2sls	NUM
ajfti-4584	172	8	estimation	estimation	NOUN
ajfti-4584	172	9	outcomes	outcome	NOUN
ajfti-4584	172	10	imply	imply	VERB
ajfti-4584	172	11	that	that	SCONJ
ajfti-4584	172	12	accessibility	accessibility	NOUN
ajfti-4584	172	13	and	and	CCONJ
ajfti-4584	172	14	availability	availability	NOUN
ajfti-4584	172	15	of	of	ADP
ajfti-4584	172	16	formal	formal	ADJ
ajfti-4584	172	17	financial	financial	ADJ
ajfti-4584	172	18	services	service	NOUN
ajfti-4584	172	19	are	be	AUX
ajfti-4584	172	20	negative	negative	ADJ
ajfti-4584	172	21	but	but	CCONJ
ajfti-4584	172	22	significant	significant	ADJ
ajfti-4584	172	23	predictors	predictor	NOUN
ajfti-4584	172	24	of	of	ADP
ajfti-4584	172	25	growth	growth	NOUN
ajfti-4584	172	26	in	in	ADP
ajfti-4584	172	27	the	the	DET
ajfti-4584	172	28	additional	additional	ADJ
ajfti-4584	172	29	employment	employment	NOUN
ajfti-4584	172	30	by	by	ADP
ajfti-4584	172	31	microenterprises	microenterprise	NOUN
ajfti-4584	172	32	in	in	ADP
ajfti-4584	172	33	the	the	DET
ajfti-4584	172	34	study	study	NOUN
ajfti-4584	172	35	area	area	NOUN
ajfti-4584	172	36	.	.	PUNCT
ajfti-4584	173	1	this	this	DET
ajfti-4584	173	2	result	result	NOUN
ajfti-4584	173	3	is	be	AUX
ajfti-4584	173	4	surprising	surprising	ADJ
ajfti-4584	173	5	and	and	CCONJ
ajfti-4584	173	6	inconsistent	inconsistent	ADJ
ajfti-4584	173	7	with	with	ADP
ajfti-4584	173	8	the	the	DET
ajfti-4584	173	9	study	study	NOUN
ajfti-4584	173	10	’s	’s	PART
ajfti-4584	173	11	prior	prior	ADJ
ajfti-4584	173	12	expectations	expectation	NOUN
ajfti-4584	173	13	.	.	PUNCT
ajfti-4584	174	1	this	this	PRON
ajfti-4584	174	2	is	be	AUX
ajfti-4584	174	3	because	because	SCONJ
ajfti-4584	174	4	the	the	DET
ajfti-4584	174	5	study	study	NOUN
ajfti-4584	174	6	’s	’s	PART
ajfti-4584	174	7	theoretical	theoretical	PROPN
ajfti-4584	174	8	foundation	foundation	NOUN
ajfti-4584	174	9	(	(	PUNCT
ajfti-4584	174	10	supply	supply	NOUN
ajfti-4584	174	11	-	-	PUNCT
ajfti-4584	174	12	leading	lead	VERB
ajfti-4584	174	13	hypothesis	hypothesis	NOUN
ajfti-4584	174	14	)	)	PUNCT
ajfti-4584	174	15	attests	attest	VERB
ajfti-4584	174	16	to	to	ADP
ajfti-4584	174	17	the	the	DET
ajfti-4584	174	18	positive	positive	ADJ
ajfti-4584	174	19	contribution	contribution	NOUN
ajfti-4584	174	20	of	of	ADP
ajfti-4584	174	21	financial	financial	ADJ
ajfti-4584	174	22	development	development	NOUN
ajfti-4584	174	23	to	to	ADP
ajfti-4584	174	24	the	the	DET
ajfti-4584	174	25	growth	growth	NOUN
ajfti-4584	174	26	of	of	ADP
ajfti-4584	174	27	an	an	DET
ajfti-4584	174	28	entity	entity	NOUN
ajfti-4584	174	29	’s	’s	PART
ajfti-4584	174	30	economy	economy	NOUN
ajfti-4584	174	31	.	.	PUNCT
ajfti-4584	175	1	more	more	ADV
ajfti-4584	175	2	so	so	ADV
ajfti-4584	175	3	,	,	PUNCT
ajfti-4584	175	4	such	such	ADJ
ajfti-4584	175	5	evidence	evidence	NOUN
ajfti-4584	175	6	contradicts	contradict	VERB
ajfti-4584	175	7	previous	previous	ADJ
ajfti-4584	175	8	findings	finding	NOUN
ajfti-4584	175	9	by	by	ADP
ajfti-4584	175	10	bricknella	bricknella	NOUN
ajfti-4584	175	11	and	and	CCONJ
ajfti-4584	175	12	kertay	kertay	PROPN
ajfti-4584	175	13	(	(	PUNCT
ajfti-4584	175	14	2024	2024	NUM
ajfti-4584	175	15	)	)	PUNCT
ajfti-4584	175	16	;	;	PUNCT
ajfti-4584	175	17	mayorga	mayorga	PROPN
ajfti-4584	175	18	et	et	PROPN
ajfti-4584	175	19	al	al	PROPN
ajfti-4584	175	20	.	.	PROPN
ajfti-4584	176	1	(	(	PUNCT
ajfti-4584	176	2	2024	2024	NUM
ajfti-4584	176	3	)	)	PUNCT
ajfti-4584	176	4	;	;	PUNCT
ajfti-4584	176	5	zreik	zreik	NOUN
ajfti-4584	176	6	et	et	PROPN
ajfti-4584	176	7	al	al	PROPN
ajfti-4584	176	8	.	.	PROPN
ajfti-4584	176	9	(	(	PUNCT
ajfti-4584	176	10	2023	2023	NUM
ajfti-4584	176	11	)	)	PUNCT
ajfti-4584	176	12	;	;	PUNCT
ajfti-4584	177	1	anga	anga	PROPN
ajfti-4584	177	2	et	et	PROPN
ajfti-4584	177	3	al	al	PROPN
ajfti-4584	177	4	.	.	PROPN
ajfti-4584	177	5	(	(	PUNCT
ajfti-4584	177	6	2021	2021	NUM
ajfti-4584	177	7	)	)	PUNCT
ajfti-4584	177	8	;	;	PUNCT
ajfti-4584	177	9	and	and	CCONJ
ajfti-4584	177	10	anastesia	anastesia	VERB
ajfti-4584	177	11	et	et	PROPN
ajfti-4584	177	12	al	al	PROPN
ajfti-4584	177	13	.	.	PROPN
ajfti-4584	177	14	(	(	PUNCT
ajfti-4584	177	15	2020	2020	NUM
ajfti-4584	177	16	)	)	PUNCT
ajfti-4584	177	17	;	;	PUNCT
ajfti-4584	177	18	however	however	ADV
ajfti-4584	177	19	,	,	PUNCT
ajfti-4584	177	20	this	this	DET
ajfti-4584	177	21	unexpected	unexpected	ADJ
ajfti-4584	177	22	result	result	NOUN
ajfti-4584	177	23	might	might	AUX
ajfti-4584	177	24	not	not	PART
ajfti-4584	177	25	be	be	AUX
ajfti-4584	177	26	unconnected	unconnected	ADJ
ajfti-4584	177	27	with	with	ADP
ajfti-4584	177	28	the	the	DET
ajfti-4584	177	29	likely	likely	ADJ
ajfti-4584	177	30	insufficient	insufficient	ADJ
ajfti-4584	177	31	account	account	NOUN
ajfti-4584	177	32	balance	balance	NOUN
ajfti-4584	177	33	that	that	PRON
ajfti-4584	177	34	can	can	AUX
ajfti-4584	177	35	not	not	PART
ajfti-4584	177	36	sustain	sustain	VERB
ajfti-4584	177	37	a	a	DET
ajfti-4584	177	38	firm	firm	NOUN
ajfti-4584	177	39	’s	’s	PART
ajfti-4584	177	40	operations	operation	NOUN
ajfti-4584	177	41	for	for	ADP
ajfti-4584	177	42	a	a	DET
ajfti-4584	177	43	long	long	ADJ
ajfti-4584	177	44	period	period	NOUN
ajfti-4584	177	45	or	or	CCONJ
ajfti-4584	177	46	limits	limit	VERB
ajfti-4584	177	47	its	its	PRON
ajfti-4584	177	48	expansion	expansion	NOUN
ajfti-4584	177	49	.	.	PUNCT
ajfti-4584	178	1	firms	firm	NOUN
ajfti-4584	178	2	with	with	ADP
ajfti-4584	178	3	enough	enough	ADJ
ajfti-4584	178	4	money	money	NOUN
ajfti-4584	178	5	in	in	ADP
ajfti-4584	178	6	the	the	DET
ajfti-4584	178	7	bank	bank	NOUN
ajfti-4584	178	8	account	account	NOUN
ajfti-4584	178	9	or	or	CCONJ
ajfti-4584	178	10	any	any	DET
ajfti-4584	178	11	financial	financial	ADJ
ajfti-4584	178	12	institution	institution	NOUN
ajfti-4584	178	13	account	account	NOUN
ajfti-4584	178	14	tend	tend	VERB
ajfti-4584	178	15	to	to	PART
ajfti-4584	178	16	desire	desire	VERB
ajfti-4584	178	17	expansion	expansion	NOUN
ajfti-4584	178	18	and	and	CCONJ
ajfti-4584	178	19	modernization	modernization	NOUN
ajfti-4584	178	20	of	of	ADP
ajfti-4584	178	21	operations	operation	NOUN
ajfti-4584	178	22	that	that	PRON
ajfti-4584	178	23	can	can	AUX
ajfti-4584	178	24	ultimately	ultimately	ADV
ajfti-4584	178	25	lead	lead	VERB
ajfti-4584	178	26	to	to	ADP
ajfti-4584	178	27	the	the	DET
ajfti-4584	178	28	employment	employment	NOUN
ajfti-4584	178	29	of	of	ADP
ajfti-4584	178	30	marginal	marginal	ADJ
ajfti-4584	178	31	workers	worker	NOUN
ajfti-4584	178	32	.	.	PUNCT
ajfti-4584	179	1	thus	thus	ADV
ajfti-4584	179	2	,	,	PUNCT
ajfti-4584	179	3	an	an	DET
ajfti-4584	179	4	increase	increase	NOUN
ajfti-4584	179	5	in	in	ADP
ajfti-4584	179	6	the	the	DET
ajfti-4584	179	7	number	number	NOUN
ajfti-4584	179	8	of	of	ADP
ajfti-4584	179	9	accounts	account	NOUN
ajfti-4584	179	10	with	with	ADP
ajfti-4584	179	11	different	different	ADJ
ajfti-4584	179	12	financial	financial	ADJ
ajfti-4584	179	13	institutions	institution	NOUN
ajfti-4584	179	14	without	without	ADP
ajfti-4584	179	15	adequate	adequate	ADJ
ajfti-4584	179	16	cash	cash	NOUN
ajfti-4584	179	17	balance	balance	NOUN
ajfti-4584	179	18	or	or	CCONJ
ajfti-4584	179	19	access	access	NOUN
ajfti-4584	179	20	to	to	ADP
ajfti-4584	179	21	multiple	multiple	ADJ
ajfti-4584	179	22	loans	loan	NOUN
ajfti-4584	179	23	may	may	AUX
ajfti-4584	179	24	drain	drain	VERB
ajfti-4584	179	25	meagre	meagre	ADJ
ajfti-4584	179	26	financial	financial	ADJ
ajfti-4584	179	27	resources	resource	NOUN
ajfti-4584	179	28	of	of	ADP
ajfti-4584	179	29	micro	micro	NOUN
ajfti-4584	179	30	-	-	NOUN
ajfti-4584	179	31	firms	firm	NOUN
ajfti-4584	179	32	and	and	CCONJ
ajfti-4584	179	33	lead	lead	VERB
ajfti-4584	179	34	to	to	ADP
ajfti-4584	179	35	loss	loss	NOUN
ajfti-4584	179	36	of	of	ADP
ajfti-4584	179	37	workers	worker	NOUN
ajfti-4584	179	38	as	as	SCONJ
ajfti-4584	179	39	salaries	salary	NOUN
ajfti-4584	179	40	may	may	AUX
ajfti-4584	179	41	not	not	PART
ajfti-4584	179	42	be	be	AUX
ajfti-4584	179	43	sustained	sustain	VERB
ajfti-4584	179	44	over	over	ADP
ajfti-4584	179	45	time	time	NOUN
ajfti-4584	179	46	.	.	PUNCT
ajfti-4584	180	1	again	again	ADV
ajfti-4584	180	2	,	,	PUNCT
ajfti-4584	180	3	numerous	numerous	ADJ
ajfti-4584	180	4	challenges	challenge	NOUN
ajfti-4584	180	5	often	often	ADV
ajfti-4584	180	6	experienced	experience	VERB
ajfti-4584	180	7	by	by	ADP
ajfti-4584	180	8	microenterprises	microenterprise	NOUN
ajfti-4584	180	9	in	in	ADP
ajfti-4584	180	10	obtaining	obtain	VERB
ajfti-4584	180	11	finance	finance	NOUN
ajfti-4584	180	12	may	may	AUX
ajfti-4584	180	13	prevent	prevent	VERB
ajfti-4584	180	14	them	they	PRON
ajfti-4584	180	15	from	from	ADP
ajfti-4584	180	16	benefiting	benefit	VERB
ajfti-4584	180	17	from	from	ADP
ajfti-4584	180	18	the	the	DET
ajfti-4584	180	19	higher	high	ADJ
ajfti-4584	180	20	availability	availability	NOUN
ajfti-4584	180	21	of	of	ADP
ajfti-4584	180	22	formal	formal	ADJ
ajfti-4584	180	23	financial	financial	ADJ
ajfti-4584	180	24	products	product	NOUN
ajfti-4584	180	25	and	and	CCONJ
ajfti-4584	180	26	services	service	NOUN
ajfti-4584	180	27	.	.	PUNCT
ajfti-4584	181	1	when	when	SCONJ
ajfti-4584	181	2	these	these	DET
ajfti-4584	181	3	financial	financial	ADJ
ajfti-4584	181	4	challenges	challenge	NOUN
ajfti-4584	181	5	faced	face	VERB
ajfti-4584	181	6	by	by	ADP
ajfti-4584	181	7	micro	micro	NOUN
ajfti-4584	181	8	-	-	NOUN
ajfti-4584	181	9	firms	firm	NOUN
ajfti-4584	181	10	are	be	AUX
ajfti-4584	181	11	not	not	PART
ajfti-4584	181	12	effectively	effectively	ADV
ajfti-4584	181	13	addressed	address	VERB
ajfti-4584	181	14	access	access	NOUN
ajfti-4584	181	15	to	to	ADP
ajfti-4584	181	16	more	more	ADV
ajfti-4584	181	17	available	available	ADJ
ajfti-4584	181	18	formal	formal	ADJ
ajfti-4584	181	19	financial	financial	ADJ
ajfti-4584	181	20	services	service	NOUN
ajfti-4584	181	21	may	may	AUX
ajfti-4584	181	22	also	also	ADV
ajfti-4584	181	23	drain	drain	VERB
ajfti-4584	181	24	their	their	PRON
ajfti-4584	181	25	resources	resource	NOUN
ajfti-4584	181	26	as	as	SCONJ
ajfti-4584	181	27	many	many	ADJ
ajfti-4584	181	28	providers	provider	NOUN
ajfti-4584	181	29	can	can	AUX
ajfti-4584	181	30	request	request	VERB
ajfti-4584	181	31	commitment	commitment	NOUN
ajfti-4584	181	32	balance	balance	NOUN
ajfti-4584	181	33	in	in	ADP
ajfti-4584	181	34	accounts	account	NOUN
ajfti-4584	181	35	owned	own	VERB
ajfti-4584	181	36	by	by	ADP
ajfti-4584	181	37	these	these	DET
ajfti-4584	181	38	micro	micro	NOUN
ajfti-4584	181	39	-	-	NOUN
ajfti-4584	181	40	firms	firm	NOUN
ajfti-4584	181	41	.	.	PUNCT
ajfti-4584	182	1	more	more	ADV
ajfti-4584	182	2	importantly	importantly	ADV
ajfti-4584	182	3	,	,	PUNCT
ajfti-4584	182	4	the	the	DET
ajfti-4584	182	5	failure	failure	NOUN
ajfti-4584	182	6	of	of	ADP
ajfti-4584	182	7	previous	previous	ADJ
ajfti-4584	182	8	studies	study	NOUN
ajfti-4584	182	9	to	to	PART
ajfti-4584	182	10	instrument	instrument	VERB
ajfti-4584	182	11	financial	financial	ADJ
ajfti-4584	182	12	inclusion	inclusion	NOUN
ajfti-4584	182	13	variables	variable	NOUN
ajfti-4584	182	14	with	with	ADP
ajfti-4584	182	15	user	user	NOUN
ajfti-4584	182	16	education	education	NOUN
ajfti-4584	182	17	in	in	ADP
ajfti-4584	182	18	their	their	PRON
ajfti-4584	182	19	respective	respective	ADJ
ajfti-4584	182	20	estimations	estimation	NOUN
ajfti-4584	182	21	could	could	AUX
ajfti-4584	182	22	have	have	AUX
ajfti-4584	182	23	also	also	ADV
ajfti-4584	182	24	contributed	contribute	VERB
ajfti-4584	182	25	to	to	ADP
ajfti-4584	182	26	the	the	DET
ajfti-4584	182	27	observed	observe	VERB
ajfti-4584	182	28	different	different	ADJ
ajfti-4584	182	29	results	result	NOUN
ajfti-4584	182	30	.	.	PUNCT
ajfti-4584	183	1	however	however	ADV
ajfti-4584	183	2	,	,	PUNCT
ajfti-4584	183	3	state	state	NOUN
ajfti-4584	183	4	-	-	PUNCT
ajfti-4584	183	5	wide	wide	ADJ
ajfti-4584	183	6	or	or	CCONJ
ajfti-4584	183	7	national	national	ADJ
ajfti-4584	183	8	datasets	dataset	NOUN
ajfti-4584	183	9	can	can	AUX
ajfti-4584	183	10	be	be	AUX
ajfti-4584	183	11	used	use	VERB
ajfti-4584	183	12	to	to	PART
ajfti-4584	183	13	confirm	confirm	VERB
ajfti-4584	183	14	these	these	DET
ajfti-4584	183	15	observed	observe	VERB
ajfti-4584	183	16	results	result	NOUN
ajfti-4584	183	17	among	among	ADP
ajfti-4584	183	18	microenterprises	microenterprise	NOUN
ajfti-4584	183	19	at	at	ADP
ajfti-4584	183	20	the	the	DET
ajfti-4584	183	21	state	state	NOUN
ajfti-4584	183	22	or	or	CCONJ
ajfti-4584	183	23	national	national	ADJ
ajfti-4584	183	24	level	level	NOUN
ajfti-4584	183	25	.	.	PUNCT
ajfti-4584	184	1	conclusion	conclusion	NOUN
ajfti-4584	184	2	this	this	DET
ajfti-4584	184	3	study	study	NOUN
ajfti-4584	184	4	uses	use	VERB
ajfti-4584	184	5	a	a	DET
ajfti-4584	184	6	2sls	2sls	NUM
ajfti-4584	184	7	regression	regression	NOUN
ajfti-4584	184	8	estimator	estimator	NOUN
ajfti-4584	184	9	to	to	PART
ajfti-4584	184	10	examine	examine	VERB
ajfti-4584	184	11	342	342	NUM
ajfti-4584	184	12	cross	cross	ADJ
ajfti-4584	184	13	-	-	ADJ
ajfti-4584	184	14	sectional	sectional	ADJ
ajfti-4584	184	15	data	datum	NOUN
ajfti-4584	184	16	on	on	ADP
ajfti-4584	184	17	the	the	DET
ajfti-4584	184	18	relationship	relationship	NOUN
ajfti-4584	184	19	between	between	ADP
ajfti-4584	184	20	financial	financial	ADJ
ajfti-4584	184	21	inclusion	inclusion	NOUN
ajfti-4584	184	22	and	and	CCONJ
ajfti-4584	184	23	firm	firm	ADJ
ajfti-4584	184	24	employment	employment	NOUN
ajfti-4584	184	25	growth	growth	NOUN
ajfti-4584	184	26	among	among	ADP
ajfti-4584	184	27	microenterprises	microenterprise	NOUN
ajfti-4584	184	28	in	in	ADP
ajfti-4584	184	29	the	the	DET
ajfti-4584	184	30	abeokuta	abeokuta	PROPN
ajfti-4584	184	31	metropolis	metropolis	NOUN
ajfti-4584	184	32	.	.	PUNCT
ajfti-4584	185	1	the	the	DET
ajfti-4584	185	2	estimation	estimation	NOUN
ajfti-4584	185	3	results	result	NOUN
ajfti-4584	185	4	show	show	VERB
ajfti-4584	185	5	that	that	SCONJ
ajfti-4584	185	6	,	,	PUNCT
ajfti-4584	185	7	in	in	ADP
ajfti-4584	185	8	the	the	DET
ajfti-4584	185	9	absence	absence	NOUN
ajfti-4584	185	10	of	of	ADP
ajfti-4584	185	11	education	education	NOUN
ajfti-4584	185	12	as	as	ADP
ajfti-4584	185	13	an	an	DET
ajfti-4584	185	14	instrument	instrument	NOUN
ajfti-4584	185	15	variable	variable	NOUN
ajfti-4584	185	16	,	,	PUNCT
ajfti-4584	185	17	a	a	DET
ajfti-4584	185	18	high	high	ADJ
ajfti-4584	185	19	correlation	correlation	NOUN
ajfti-4584	185	20	occurs	occur	VERB
ajfti-4584	185	21	between	between	ADP
ajfti-4584	185	22	financial	financial	ADJ
ajfti-4584	185	23	inclusion	inclusion	NOUN
ajfti-4584	185	24	and	and	CCONJ
ajfti-4584	185	25	other	other	ADJ
ajfti-4584	185	26	extraneous	extraneous	ADJ
ajfti-4584	185	27	variables	variable	NOUN
ajfti-4584	185	28	(	(	PUNCT
ajfti-4584	185	29	captured	capture	VERB
ajfti-4584	185	30	by	by	ADP
ajfti-4584	185	31	the	the	DET
ajfti-4584	185	32	stochastic	stochastic	ADJ
ajfti-4584	185	33	term	term	NOUN
ajfti-4584	185	34	)	)	PUNCT
ajfti-4584	185	35	if	if	SCONJ
ajfti-4584	185	36	standard	standard	ADJ
ajfti-4584	185	37	ols	ol	NOUN
ajfti-4584	185	38	is	be	AUX
ajfti-4584	185	39	only	only	ADV
ajfti-4584	185	40	applied	apply	VERB
ajfti-4584	185	41	.	.	PUNCT
ajfti-4584	186	1	based	base	VERB
ajfti-4584	186	2	on	on	ADP
ajfti-4584	186	3	the	the	DET
ajfti-4584	186	4	factual	factual	ADJ
ajfti-4584	186	5	evidence	evidence	NOUN
ajfti-4584	186	6	from	from	ADP
ajfti-4584	186	7	2sls	2sls	NUM
ajfti-4584	186	8	analysis	analysis	NOUN
ajfti-4584	186	9	,	,	PUNCT
ajfti-4584	186	10	this	this	DET
ajfti-4584	186	11	study	study	NOUN
ajfti-4584	186	12	affirms	affirm	VERB
ajfti-4584	186	13	that	that	SCONJ
ajfti-4584	186	14	high	high	ADJ
ajfti-4584	186	15	access	access	NOUN
ajfti-4584	186	16	to	to	ADP
ajfti-4584	186	17	and	and	CCONJ
ajfti-4584	186	18	availability	availability	NOUN
ajfti-4584	186	19	of	of	ADP
ajfti-4584	186	20	formal	formal	ADJ
ajfti-4584	186	21	financial	financial	ADJ
ajfti-4584	186	22	products	product	NOUN
ajfti-4584	186	23	and	and	CCONJ
ajfti-4584	186	24	services	service	NOUN
ajfti-4584	186	25	significantly	significantly	ADV
ajfti-4584	186	26	slow	slow	VERB
ajfti-4584	186	27	down	down	ADP
ajfti-4584	186	28	employment	employment	NOUN
ajfti-4584	186	29	growth	growth	NOUN
ajfti-4584	186	30	among	among	ADP
ajfti-4584	186	31	microenterprises	microenterprise	NOUN
ajfti-4584	186	32	in	in	ADP
ajfti-4584	186	33	the	the	DET
ajfti-4584	186	34	study	study	NOUN
ajfti-4584	186	35	area	area	NOUN
ajfti-4584	186	36	.	.	PUNCT
ajfti-4584	187	1	the	the	DET
ajfti-4584	187	2	methodological	methodological	ADJ
ajfti-4584	187	3	implication	implication	NOUN
ajfti-4584	187	4	of	of	ADP
ajfti-4584	187	5	this	this	DET
ajfti-4584	187	6	study	study	NOUN
ajfti-4584	187	7	is	be	AUX
ajfti-4584	187	8	that	that	ADV
ajfti-4584	187	9	efficient	efficient	ADJ
ajfti-4584	187	10	and	and	CCONJ
ajfti-4584	187	11	consistent	consistent	ADJ
ajfti-4584	187	12	estimates	estimate	NOUN
ajfti-4584	187	13	of	of	ADP
ajfti-4584	187	14	the	the	DET
ajfti-4584	187	15	relationship	relationship	NOUN
ajfti-4584	187	16	between	between	ADP
ajfti-4584	187	17	financial	financial	ADJ
ajfti-4584	187	18	inclusion	inclusion	NOUN
ajfti-4584	187	19	and	and	CCONJ
ajfti-4584	187	20	firm	firm	ADJ
ajfti-4584	187	21	job	job	NOUN
ajfti-4584	187	22	growth	growth	NOUN
ajfti-4584	187	23	are	be	AUX
ajfti-4584	187	24	guaranteed	guarantee	VERB
ajfti-4584	187	25	when	when	SCONJ
ajfti-4584	187	26	instrumental	instrumental	ADJ
ajfti-4584	187	27	variable	variable	NOUN
ajfti-4584	187	28	(	(	PUNCT
ajfti-4584	187	29	iv	iv	X
ajfti-4584	187	30	)	)	PUNCT
ajfti-4584	187	31	regression	regression	NOUN
ajfti-4584	187	32	or	or	CCONJ
ajfti-4584	187	33	2sls	2sls	NOUN
ajfti-4584	187	34	is	be	AUX
ajfti-4584	187	35	considered	consider	VERB
ajfti-4584	187	36	.	.	PUNCT
ajfti-4584	188	1	again	again	ADV
ajfti-4584	188	2	,	,	PUNCT
ajfti-4584	188	3	this	this	DET
ajfti-4584	188	4	study	study	NOUN
ajfti-4584	188	5	provides	provide	VERB
ajfti-4584	188	6	a	a	DET
ajfti-4584	188	7	better	well	ADJ
ajfti-4584	188	8	opportunity	opportunity	NOUN
ajfti-4584	188	9	for	for	SCONJ
ajfti-4584	188	10	formal	formal	ADJ
ajfti-4584	188	11	financial	financial	ADJ
ajfti-4584	188	12	services	service	NOUN
ajfti-4584	188	13	to	to	PART
ajfti-4584	188	14	gain	gain	VERB
ajfti-4584	188	15	significant	significant	ADJ
ajfti-4584	188	16	empirical	empirical	ADJ
ajfti-4584	188	17	insight	insight	NOUN
ajfti-4584	188	18	into	into	ADP
ajfti-4584	188	19	the	the	DET
ajfti-4584	188	20	appropriate	appropriate	ADJ
ajfti-4584	188	21	financial	financial	ADJ
ajfti-4584	188	22	inclusion	inclusion	NOUN
ajfti-4584	188	23	dimensions	dimension	NOUN
ajfti-4584	188	24	that	that	PRON
ajfti-4584	188	25	facilitate	facilitate	VERB
ajfti-4584	188	26	employment	employment	NOUN
ajfti-4584	188	27	creation	creation	NOUN
ajfti-4584	188	28	among	among	ADP
ajfti-4584	188	29	micro	micro	NOUN
ajfti-4584	188	30	-	-	NOUN
ajfti-4584	188	31	firms	firm	NOUN
ajfti-4584	188	32	.	.	PUNCT
ajfti-4584	189	1	it	it	PRON
ajfti-4584	189	2	is	be	AUX
ajfti-4584	189	3	recommended	recommend	VERB
ajfti-4584	189	4	that	that	SCONJ
ajfti-4584	189	5	bespoke	bespoke	VERB
ajfti-4584	189	6	formal	formal	ADJ
ajfti-4584	189	7	financial	financial	ADJ
ajfti-4584	189	8	products	product	NOUN
ajfti-4584	189	9	and	and	CCONJ
ajfti-4584	189	10	services	service	NOUN
ajfti-4584	189	11	be	be	AUX
ajfti-4584	189	12	provided	provide	VERB
ajfti-4584	189	13	for	for	ADP
ajfti-4584	189	14	micro	micro	NOUN
ajfti-4584	189	15	-	-	NOUN
ajfti-4584	189	16	firms	firm	NOUN
ajfti-4584	189	17	,	,	PUNCT
ajfti-4584	189	18	including	include	VERB
ajfti-4584	189	19	addressing	address	VERB
ajfti-4584	189	20	the	the	DET
ajfti-4584	189	21	daunting	daunt	VERB
ajfti-4584	189	22	financial	financial	ADJ
ajfti-4584	189	23	challenges	challenge	NOUN
ajfti-4584	189	24	these	these	DET
ajfti-4584	189	25	firms	firm	NOUN
ajfti-4584	189	26	face	face	VERB
ajfti-4584	189	27	.	.	PUNCT
ajfti-4584	190	1	acknowledgement	acknowledgement	NOUN
ajfti-4584	190	2	this	this	DET
ajfti-4584	190	3	work	work	NOUN
ajfti-4584	190	4	is	be	AUX
ajfti-4584	190	5	supported	support	VERB
ajfti-4584	190	6	by	by	ADP
ajfti-4584	190	7	the	the	DET
ajfti-4584	190	8	nigeria	nigeria	PROPN
ajfti-4584	190	9	tertiary	tertiary	ADJ
ajfti-4584	190	10	education	education	PROPN
ajfti-4584	190	11	trust	trust	NOUN
ajfti-4584	190	12	fund	fund	PROPN
ajfti-4584	190	13	(	(	PUNCT
ajfti-4584	190	14	tetfund	tetfund	NOUN
ajfti-4584	190	15	)	)	PUNCT
ajfti-4584	190	16	institution	institution	NOUN
ajfti-4584	190	17	-	-	PUNCT
ajfti-4584	190	18	based	base	VERB
ajfti-4584	190	19	research	research	NOUN
ajfti-4584	190	20	(	(	PUNCT
ajfti-4584	190	21	ibr	ibr	NOUN
ajfti-4584	190	22	)	)	PUNCT
ajfti-4584	190	23	grant	grant	NOUN
ajfti-4584	190	24	in	in	ADP
ajfti-4584	190	25	2024	2024	NUM
ajfti-4584	190	26	.	.	PUNCT
ajfti-4584	191	1	references	reference	NOUN
ajfti-4584	191	2	african	african	PROPN
ajfti-4584	191	3	development	development	PROPN
ajfti-4584	191	4	bank	bank	PROPN
ajfti-4584	191	5	.	.	PUNCT
ajfti-4584	192	1	(	(	PUNCT
ajfti-4584	192	2	2019	2019	NUM
ajfti-4584	192	3	)	)	PUNCT
ajfti-4584	192	4	.	.	PUNCT
ajfti-4584	193	1	catalysing	catalyse	VERB
ajfti-4584	193	2	digital	digital	ADJ
ajfti-4584	193	3	financial	financial	ADJ
ajfti-4584	193	4	inclusion	inclusion	NOUN
ajfti-4584	193	5	across	across	ADP
ajfti-4584	193	6	africa	africa	PROPN
ajfti-4584	193	7	:	:	PUNCT
ajfti-4584	193	8	annual	annual	ADJ
ajfti-4584	193	9	report	report	NOUN
ajfti-4584	193	10	2019	2019	NUM
ajfti-4584	193	11	-	-	SYM
ajfti-4584	193	12	2020	2020	NUM
ajfti-4584	193	13	.	.	PUNCT
ajfti-4584	194	1	abidjan	abidjan	PROPN
ajfti-4584	194	2	:	:	PUNCT
ajfti-4584	194	3	african	african	PROPN
ajfti-4584	194	4	development	development	PROPN
ajfti-4584	194	5	bank	bank	PROPN
ajfti-4584	194	6	agbim	agbim	PROPN
ajfti-4584	194	7	,	,	PUNCT
ajfti-4584	194	8	k.	k.	PROPN
ajfti-4584	194	9	c.	c.	PROPN
ajfti-4584	194	10	(	(	PUNCT
ajfti-4584	194	11	2020	2020	NUM
ajfti-4584	194	12	)	)	PUNCT
ajfti-4584	194	13	.	.	PUNCT
ajfti-4584	195	1	government	government	NOUN
ajfti-4584	195	2	policy	policy	NOUN
ajfti-4584	195	3	,	,	PUNCT
ajfti-4584	195	4	financial	financial	ADJ
ajfti-4584	195	5	inclusion	inclusion	NOUN
ajfti-4584	195	6	and	and	CCONJ
ajfti-4584	195	7	performance	performance	NOUN
ajfti-4584	195	8	of	of	ADP
ajfti-4584	195	9	smes	sme	NOUN
ajfti-4584	195	10	in	in	ADP
ajfti-4584	195	11	south	south	PROPN
ajfti-4584	195	12	eastern	eastern	PROPN
ajfti-4584	195	13	nigeria	nigeria	PROPN
ajfti-4584	195	14	.	.	PUNCT
ajfti-4584	196	1	international	international	ADJ
ajfti-4584	196	2	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	196	3	review	review	NOUN
ajfti-4584	196	4	,	,	PUNCT
ajfti-4584	196	5	6(2	6(2	NUM
ajfti-4584	196	6	)	)	PUNCT
ajfti-4584	196	7	,	,	PUNCT
ajfti-4584	196	8	69	69	NUM
ajfti-4584	196	9	-	-	SYM
ajfti-4584	196	10	82	82	NUM
ajfti-4584	196	11	amidzic	amidzic	ADJ
ajfti-4584	196	12	,	,	PUNCT
ajfti-4584	196	13	g.	g.	PROPN
ajfti-4584	196	14	,	,	PUNCT
ajfti-4584	196	15	massara	massara	PROPN
ajfti-4584	196	16	,	,	PUNCT
ajfti-4584	196	17	a.	a.	PROPN
ajfti-4584	196	18	,	,	PUNCT
ajfti-4584	196	19	&	&	CCONJ
ajfti-4584	196	20	mialou	mialou	PROPN
ajfti-4584	196	21	,	,	PUNCT
ajfti-4584	196	22	a.	a.	NOUN
ajfti-4584	196	23	(	(	PUNCT
ajfti-4584	196	24	2014	2014	NUM
ajfti-4584	196	25	)	)	PUNCT
ajfti-4584	196	26	.	.	PUNCT
ajfti-4584	197	1	assessing	assess	VERB
ajfti-4584	197	2	countries	country	NOUN
ajfti-4584	197	3	’	'	PUNCT
ajfti-4584	197	4	financial	financial	ADJ
ajfti-4584	197	5	inclusion	inclusion	NOUN
ajfti-4584	197	6	standing	standing	NOUN
ajfti-4584	197	7	:	:	PUNCT
ajfti-4584	197	8	a	a	DET
ajfti-4584	197	9	new	new	ADJ
ajfti-4584	197	10	composite	composite	ADJ
ajfti-4584	197	11	index	index	NOUN
ajfti-4584	197	12	.	.	PUNCT
ajfti-4584	198	1	imf	imf	PROPN
ajfti-4584	198	2	working	working	PROPN
ajfti-4584	198	3	paper	paper	PROPN
ajfti-4584	198	4	wp/14/36	wp/14/36	PROPN
ajfti-4584	198	5	anastesia	anastesia	PROPN
ajfti-4584	198	6	,	,	PUNCT
ajfti-4584	198	7	a.	a.	PROPN
ajfti-4584	198	8	c.	c.	PROPN
ajfti-4584	198	9	,	,	PUNCT
ajfti-4584	198	10	chijindu	chijindu	PROPN
ajfti-4584	198	11	,	,	PUNCT
ajfti-4584	198	12	e.	e.	PROPN
ajfti-4584	198	13	h.	h.	PROPN
ajfti-4584	198	14	,	,	PUNCT
ajfti-4584	198	15	&	&	CCONJ
ajfti-4584	198	16	steve	steve	PROPN
ajfti-4584	198	17	,	,	PUNCT
ajfti-4584	198	18	e.	e.	PROPN
ajfti-4584	198	19	e.	e.	PROPN
ajfti-4584	198	20	(	(	PUNCT
ajfti-4584	198	21	2020	2020	NUM
ajfti-4584	198	22	)	)	PUNCT
ajfti-4584	198	23	.	.	PUNCT
ajfti-4584	199	1	effect	effect	NOUN
ajfti-4584	199	2	of	of	ADP
ajfti-4584	199	3	financial	financial	ADJ
ajfti-4584	199	4	inclusion	inclusion	NOUN
ajfti-4584	199	5	on	on	ADP
ajfti-4584	199	6	entrepreneurial	entrepreneurial	ADJ
ajfti-4584	199	7	growth	growth	NOUN
ajfti-4584	199	8	in	in	ADP
ajfti-4584	199	9	retail	retail	ADJ
ajfti-4584	199	10	and	and	CCONJ
ajfti-4584	199	11	wholesale	wholesale	ADJ
ajfti-4584	199	12	sub	sub	NOUN
ajfti-4584	199	13	-	-	NOUN
ajfti-4584	199	14	sectors	sector	NOUN
ajfti-4584	199	15	:	:	PUNCT
ajfti-4584	199	16	evidence	evidence	NOUN
ajfti-4584	199	17	from	from	ADP
ajfti-4584	199	18	nigeria	nigeria	PROPN
ajfti-4584	199	19	.	.	PUNCT
ajfti-4584	200	1	the	the	DET
ajfti-4584	200	2	business	business	NOUN
ajfti-4584	200	3	and	and	CCONJ
ajfti-4584	200	4	management	management	NOUN
ajfti-4584	200	5	review	review	NOUN
ajfti-4584	200	6	,	,	PUNCT
ajfti-4584	200	7	11(1	11(1	NUM
ajfti-4584	200	8	)	)	PUNCT
ajfti-4584	200	9	.	.	PUNCT
ajfti-4584	201	1	anga	anga	PROPN
ajfti-4584	201	2	,	,	PUNCT
ajfti-4584	201	3	r.	r.	PROPN
ajfti-4584	201	4	a.	a.	PROPN
ajfti-4584	201	5	,	,	PUNCT
ajfti-4584	201	6	sakanko	sakanko	PROPN
ajfti-4584	201	7	,	,	PUNCT
ajfti-4584	201	8	m.	m.	NOUN
ajfti-4584	201	9	a.	a.	PROPN
ajfti-4584	201	10	,	,	PUNCT
ajfti-4584	201	11	&	&	CCONJ
ajfti-4584	201	12	adamu	adamu	PROPN
ajfti-4584	201	13	,	,	PUNCT
ajfti-4584	201	14	a.	a.	NOUN
ajfti-4584	201	15	m.	m.	NOUN
ajfti-4584	201	16	(	(	PUNCT
ajfti-4584	201	17	2021	2021	NUM
ajfti-4584	201	18	)	)	PUNCT
ajfti-4584	201	19	.	.	PUNCT
ajfti-4584	202	1	modelling	model	VERB
ajfti-4584	202	2	the	the	DET
ajfti-4584	202	3	effect	effect	NOUN
ajfti-4584	202	4	of	of	ADP
ajfti-4584	202	5	financial	financial	ADJ
ajfti-4584	202	6	inclusion	inclusion	NOUN
ajfti-4584	202	7	on	on	ADP
ajfti-4584	202	8	smes	sme	NOUN
ajfti-4584	202	9	in	in	ADP
ajfti-4584	202	10	nigeria	nigeria	PROPN
ajfti-4584	202	11	.	.	PUNCT
ajfti-4584	203	1	ajec	ajec	NOUN
ajfti-4584	203	2	,	,	PUNCT
ajfti-4584	203	3	2(1	2(1	NUM
ajfti-4584	203	4	)	)	PUNCT
ajfti-4584	203	5	,	,	PUNCT
ajfti-4584	203	6	33–43	33–43	NUM
ajfti-4584	203	7	anisiuba	anisiuba	ADJ
ajfti-4584	203	8	,	,	PUNCT
ajfti-4584	203	9	c.	c.	PROPN
ajfti-4584	203	10	a.	a.	PROPN
ajfti-4584	203	11	,	,	PUNCT
ajfti-4584	203	12	ezeaku	ezeaku	PROPN
ajfti-4584	203	13	,	,	PUNCT
ajfti-4584	203	14	h.	h.	PROPN
ajfti-4584	203	15	c.	c.	PROPN
ajfti-4584	203	16	,	,	PUNCT
ajfti-4584	203	17	&	&	CCONJ
ajfti-4584	203	18	emengini	emengini	PROPN
ajfti-4584	203	19	,	,	PUNCT
ajfti-4584	203	20	e.	e.	PROPN
ajfti-4584	203	21	s.	s.	PROPN
ajfti-4584	203	22	(	(	PUNCT
ajfti-4584	203	23	2020	2020	NUM
ajfti-4584	203	24	)	)	PUNCT
ajfti-4584	203	25	.	.	PUNCT
ajfti-4584	204	1	effect	effect	NOUN
ajfti-4584	204	2	of	of	ADP
ajfti-4584	204	3	financial	financial	ADJ
ajfti-4584	204	4	inclusion	inclusion	NOUN
ajfti-4584	204	5	on	on	ADP
ajfti-4584	204	6	entrepreneurial	entrepreneurial	ADJ
ajfti-4584	204	7	growth	growth	NOUN
ajfti-4584	204	8	in	in	ADP
ajfti-4584	204	9	retail	retail	ADJ
ajfti-4584	204	10	and	and	CCONJ
ajfti-4584	204	11	wholesale	wholesale	ADJ
ajfti-4584	204	12	sub	sub	NOUN
ajfti-4584	204	13	-	-	NOUN
ajfti-4584	204	14	sectors	sector	NOUN
ajfti-4584	204	15	:	:	PUNCT
ajfti-4584	204	16	evidence	evidence	NOUN
ajfti-4584	204	17	from	from	ADP
ajfti-4584	204	18	nigeria	nigeria	PROPN
ajfti-4584	204	19	.	.	PUNCT
ajfti-4584	205	1	the	the	DET
ajfti-4584	205	2	business	business	NOUN
ajfti-4584	205	3	and	and	CCONJ
ajfti-4584	205	4	management	management	NOUN
ajfti-4584	205	5	review	review	NOUN
ajfti-4584	205	6	,	,	PUNCT
ajfti-4584	205	7	11(1	11(1	NUM
ajfti-4584	205	8	)	)	PUNCT
ajfti-4584	205	9	,	,	PUNCT
ajfti-4584	205	10	295	295	NUM
ajfti-4584	205	11	–	–	SYM
ajfti-4584	205	12	304	304	NUM
ajfti-4584	205	13	.	.	PUNCT
ajfti-4584	206	1	anthanasius	anthanasius	NOUN
ajfti-4584	206	2	fomum	fomum	NOUN
ajfti-4584	206	3	,	,	PUNCT
ajfti-4584	206	4	t.	t.	PROPN
ajfti-4584	206	5	,	,	PUNCT
ajfti-4584	206	6	&	&	CCONJ
ajfti-4584	206	7	pieter	pieter	NOUN
ajfti-4584	206	8	,	,	PUNCT
ajfti-4584	206	9	o.	o.	PROPN
ajfti-4584	206	10	(	(	PUNCT
ajfti-4584	206	11	2023	2023	NUM
ajfti-4584	206	12	)	)	PUNCT
ajfti-4584	206	13	.	.	PUNCT
ajfti-4584	207	1	financial	financial	ADJ
ajfti-4584	207	2	inclusion	inclusion	NOUN
ajfti-4584	207	3	and	and	CCONJ
ajfti-4584	207	4	performance	performance	NOUN
ajfti-4584	207	5	of	of	ADP
ajfti-4584	207	6	msmes	msme	NOUN
ajfti-4584	207	7	in	in	ADP
ajfti-4584	207	8	eswatini	eswatini	NOUN
ajfti-4584	207	9	.	.	PUNCT
ajfti-4584	208	1	international	international	ADJ
ajfti-4584	208	2	journal	journal	NOUN
ajfti-4584	208	3	of	of	ADP
ajfti-4584	208	4	social	social	ADJ
ajfti-4584	208	5	economics	economic	NOUN
ajfti-4584	208	6	,	,	PUNCT
ajfti-4584	208	7	50(11	50(11	NUM
ajfti-4584	208	8	)	)	PUNCT
ajfti-4584	208	9	,	,	PUNCT
ajfti-4584	208	10	1551–1567	1551–1567	NUM
ajfti-4584	208	11	.	.	PUNCT
ajfti-4584	209	1	aterido	aterido	PROPN
ajfti-4584	209	2	,	,	PUNCT
ajfti-4584	209	3	r.	r.	PROPN
ajfti-4584	209	4	,	,	PUNCT
ajfti-4584	209	5	hallward	hallward	NOUN
ajfti-4584	209	6	-	-	PUNCT
ajfti-4584	209	7	driemeier	driemeier	NOUN
ajfti-4584	209	8	,	,	PUNCT
ajfti-4584	209	9	m.	m.	NOUN
ajfti-4584	209	10	,	,	PUNCT
ajfti-4584	209	11	&	&	CCONJ
ajfti-4584	209	12	pages	page	NOUN
ajfti-4584	209	13	,	,	PUNCT
ajfti-4584	209	14	c.	c.	PROPN
ajfti-4584	209	15	(	(	PUNCT
ajfti-4584	209	16	2011	2011	NUM
ajfti-4584	209	17	)	)	PUNCT
ajfti-4584	209	18	.	.	PUNCT
ajfti-4584	210	1	big	big	ADJ
ajfti-4584	210	2	constraints	constraint	NOUN
ajfti-4584	210	3	to	to	ADP
ajfti-4584	210	4	small	small	ADJ
ajfti-4584	210	5	firms	firm	NOUN
ajfti-4584	210	6	’	'	PUNCT
ajfti-4584	210	7	growth	growth	NOUN
ajfti-4584	210	8	?	?	PUNCT
ajfti-4584	211	1	business	business	NOUN
ajfti-4584	211	2	environment	environment	NOUN
ajfti-4584	211	3	and	and	CCONJ
ajfti-4584	211	4	employment	employment	NOUN
ajfti-4584	211	5	growth	growth	NOUN
ajfti-4584	211	6	across	across	ADP
ajfti-4584	211	7	firms	firm	NOUN
ajfti-4584	211	8	.	.	PUNCT
ajfti-4584	212	1	econ	econ	PROPN
ajfti-4584	212	2	.	.	PUNCT
ajfti-4584	213	1	dev	dev	PROPN
ajfti-4584	213	2	.	.	PUNCT
ajfti-4584	214	1	cultur	cultur	PROPN
ajfti-4584	214	2	.	.	PUNCT
ajfti-4584	215	1	change	change	NOUN
ajfti-4584	215	2	,	,	PUNCT
ajfti-4584	215	3	59(3	59(3	NUM
ajfti-4584	215	4	)	)	PUNCT
ajfti-4584	215	5	,	,	PUNCT
ajfti-4584	215	6	609	609	NUM
ajfti-4584	215	7	-	-	SYM
ajfti-4584	215	8	647	647	NUM
ajfti-4584	215	9	banco	banco	NOUN
ajfti-4584	215	10	central	central	PROPN
ajfti-4584	215	11	do	do	AUX
ajfti-4584	215	12	brasil	brasil	PROPN
ajfti-4584	215	13	.	.	PUNCT
ajfti-4584	216	1	(	(	PUNCT
ajfti-4584	216	2	2011	2011	NUM
ajfti-4584	216	3	)	)	PUNCT
ajfti-4584	216	4	.	.	PUNCT
ajfti-4584	217	1	relatório	relatório	PROPN
ajfti-4584	217	2	de	de	PROPN
ajfti-4584	217	3	inclusão	inclusão	PROPN
ajfti-4584	217	4	.	.	PUNCT
ajfti-4584	218	1	brasilia	brasilia	PROPN
ajfti-4584	218	2	,	,	PUNCT
ajfti-4584	218	3	brazil	brazil	PROPN
ajfti-4584	218	4	.	.	PUNCT
ajfti-4584	219	1	bricknell	bricknell	PROPN
ajfti-4584	219	2	,	,	PUNCT
ajfti-4584	219	3	a.	a.	PROPN
ajfti-4584	219	4	,	,	PUNCT
ajfti-4584	219	5	&	&	CCONJ
ajfti-4584	219	6	kertay	kertay	PROPN
ajfti-4584	219	7	,	,	PUNCT
ajfti-4584	219	8	p.	p.	NOUN
ajfti-4584	219	9	(	(	PUNCT
ajfti-4584	219	10	2024	2024	NUM
ajfti-4584	219	11	)	)	PUNCT
ajfti-4584	219	12	.	.	PUNCT
ajfti-4584	220	1	impact	impact	NOUN
ajfti-4584	220	2	of	of	ADP
ajfti-4584	220	3	financial	financial	ADJ
ajfti-4584	220	4	inclusion	inclusion	NOUN
ajfti-4584	220	5	on	on	ADP
ajfti-4584	220	6	entrepreneurship	entrepreneurship	NOUN
ajfti-4584	220	7	in	in	ADP
ajfti-4584	220	8	the	the	DET
ajfti-4584	220	9	case	case	NOUN
ajfti-4584	220	10	of	of	ADP
ajfti-4584	220	11	south	south	PROPN
ajfti-4584	220	12	africa	africa	PROPN
ajfti-4584	220	13	.	.	PUNCT
ajfti-4584	221	1	bachelor	bachelor	NOUN
ajfti-4584	221	2	thesis	thesis	NOUN
ajfti-4584	221	3	.	.	PUNCT
ajfti-4584	222	1	jonkoping	jonkope	VERB
ajfti-4584	222	2	university	university	NOUN
ajfti-4584	222	3	:	:	PUNCT
ajfti-4584	222	4	jonkoping	jonkope	VERB
ajfti-4584	222	5	international	international	ADJ
ajfti-4584	222	6	business	business	NOUN
ajfti-4584	222	7	school	school	NOUN
ajfti-4584	222	8	.	.	PUNCT
ajfti-4584	223	1	camara	camara	PROPN
ajfti-4584	223	2	,	,	PUNCT
ajfti-4584	223	3	n.	n.	NOUN
ajfti-4584	223	4	,	,	PUNCT
ajfti-4584	223	5	&	&	CCONJ
ajfti-4584	223	6	tuesta	tuesta	PROPN
ajfti-4584	223	7	,	,	PUNCT
ajfti-4584	223	8	d.	d.	PROPN
ajfti-4584	223	9	(	(	PUNCT
ajfti-4584	223	10	2014	2014	NUM
ajfti-4584	223	11	)	)	PUNCT
ajfti-4584	223	12	.	.	PUNCT
ajfti-4584	224	1	measuring	measure	VERB
ajfti-4584	224	2	financial	financial	ADJ
ajfti-4584	224	3	pa	pa	PROPN
ajfti-4584	224	4	ge	ge	PROPN
ajfti-4584	225	1	16	16	NUM
ajfti-4584	225	2	1	1	NUM
ajfti-4584	225	3	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-4584	225	4	am	be	AUX
ajfti-4584	225	5	.	.	PUNCT
ajfti-4584	226	1	j.	j.	PROPN
ajfti-4584	226	2	financ	financ	PROPN
ajfti-4584	226	3	.	.	PUNCT
ajfti-4584	227	1	technol	technol	PROPN
ajfti-4584	227	2	.	.	PUNCT
ajfti-4584	227	3	innov	innov	PROPN
ajfti-4584	227	4	.	.	PUNCT
ajfti-4584	228	1	3(1	3(1	NUM
ajfti-4584	228	2	)	)	PUNCT
ajfti-4584	228	3	155	155	NUM
ajfti-4584	228	4	-	-	SYM
ajfti-4584	228	5	161	161	NUM
ajfti-4584	228	6	,	,	PUNCT
ajfti-4584	228	7	2025	2025	NUM
ajfti-4584	228	8	in	in	ADP
ajfti-4584	228	9	selected	select	VERB
ajfti-4584	228	10	asian	asian	ADJ
ajfti-4584	228	11	countries	country	NOUN
ajfti-4584	228	12	.	.	PUNCT
ajfti-4584	229	1	economies	economy	NOUN
ajfti-4584	229	2	,	,	PUNCT
ajfti-4584	229	3	8(80	8(80	NUM
ajfti-4584	229	4	)	)	PUNCT
ajfti-4584	229	5	,	,	PUNCT
ajfti-4584	229	6	112	112	NUM
ajfti-4584	229	7	.	.	PUNCT
ajfti-4584	229	8	ogidi	ogidi	PROPN
ajfti-4584	229	9	,	,	PUNCT
ajfti-4584	229	10	e.	e.	PROPN
ajfti-4584	229	11	j.	j.	PROPN
ajfti-4584	229	12	,	,	PUNCT
ajfti-4584	229	13	&	&	CCONJ
ajfti-4584	229	14	pam	pam	PROPN
ajfti-4584	229	15	,	,	PUNCT
ajfti-4584	229	16	p.	p.	NOUN
ajfti-4584	229	17	(	(	PUNCT
ajfti-4584	229	18	2021	2021	NUM
ajfti-4584	229	19	)	)	PUNCT
ajfti-4584	229	20	.	.	PUNCT
ajfti-4584	230	1	financial	financial	ADJ
ajfti-4584	230	2	inclusion	inclusion	NOUN
ajfti-4584	230	3	and	and	CCONJ
ajfti-4584	230	4	growth	growth	NOUN
ajfti-4584	230	5	of	of	ADP
ajfti-4584	230	6	small	small	ADJ
ajfti-4584	230	7	and	and	CCONJ
ajfti-4584	230	8	medium	medium	ADJ
ajfti-4584	230	9	enterprises	enterprise	NOUN
ajfti-4584	230	10	in	in	ADP
ajfti-4584	230	11	plateau	plateau	NOUN
ajfti-4584	230	12	state	state	NOUN
ajfti-4584	230	13	.	.	PUNCT
ajfti-4584	231	1	african	african	ADJ
ajfti-4584	231	2	journal	journal	PROPN
ajfti-4584	231	3	of	of	ADP
ajfti-4584	231	4	business	business	NOUN
ajfti-4584	231	5	and	and	CCONJ
ajfti-4584	231	6	economic	economic	ADJ
ajfti-4584	231	7	development	development	NOUN
ajfti-4584	231	8	,	,	PUNCT
ajfti-4584	231	9	1(8	1(8	NUM
ajfti-4584	231	10	)	)	PUNCT
ajfti-4584	231	11	.	.	PUNCT
ajfti-4584	232	1	omar	omar	PROPN
ajfti-4584	232	2	,	,	PUNCT
ajfti-4584	232	3	m.	m.	NOUN
ajfti-4584	232	4	a.	a.	PROPN
ajfti-4584	232	5	,	,	PUNCT
ajfti-4584	232	6	&	&	CCONJ
ajfti-4584	232	7	inaba	inaba	PROPN
ajfti-4584	232	8	,	,	PUNCT
ajfti-4584	232	9	k.	k.	PROPN
ajfti-4584	232	10	(	(	PUNCT
ajfti-4584	232	11	2020	2020	NUM
ajfti-4584	232	12	)	)	PUNCT
ajfti-4584	232	13	does	do	AUX
ajfti-4584	232	14	financial	financial	ADJ
ajfti-4584	232	15	inclusion	inclusion	NOUN
ajfti-4584	232	16	reduce	reduce	VERB
ajfti-4584	232	17	poverty	poverty	NOUN
ajfti-4584	232	18	and	and	CCONJ
ajfti-4584	232	19	income	income	NOUN
ajfti-4584	232	20	inequality	inequality	NOUN
ajfti-4584	232	21	in	in	ADP
ajfti-4584	232	22	developing	develop	VERB
ajfti-4584	232	23	countries	country	NOUN
ajfti-4584	232	24	?	?	PUNCT
ajfti-4584	233	1	a	a	DET
ajfti-4584	233	2	panel	panel	NOUN
ajfti-4584	233	3	data	data	VERB
ajfti-4584	233	4	analysis	analysis	NOUN
ajfti-4584	233	5	.	.	PUNCT
ajfti-4584	234	1	journal	journal	NOUN
ajfti-4584	234	2	of	of	ADP
ajfti-4584	234	3	economic	economic	ADJ
ajfti-4584	234	4	structures	structure	NOUN
ajfti-4584	234	5	,	,	PUNCT
ajfti-4584	234	6	9(37	9(37	NUM
ajfti-4584	234	7	)	)	PUNCT
ajfti-4584	234	8	,	,	PUNCT
ajfti-4584	234	9	1	1	NUM
ajfti-4584	234	10	-	-	SYM
ajfti-4584	234	11	25	25	NUM
ajfti-4584	234	12	osabohien	osabohien	NOUN
ajfti-4584	234	13	,	,	PUNCT
ajfti-4584	234	14	r.	r.	PROPN
ajfti-4584	234	15	,	,	PUNCT
ajfti-4584	234	16	ufua	ufua	PROPN
ajfti-4584	234	17	,	,	PUNCT
ajfti-4584	234	18	d.	d.	PROPN
ajfti-4584	234	19	,	,	PUNCT
ajfti-4584	234	20	moses	moses	PROPN
ajfti-4584	234	21	,	,	PUNCT
ajfti-4584	234	22	c.	c.	PROPN
ajfti-4584	234	23	l.	l.	PROPN
ajfti-4584	234	24	,	,	PUNCT
ajfti-4584	234	25	&	&	CCONJ
ajfti-4584	234	26	osabuohien	osabuohien	PROPN
ajfti-4584	234	27	,	,	PUNCT
ajfti-4584	234	28	e.	e.	PROPN
ajfti-4584	234	29	(	(	PUNCT
ajfti-4584	234	30	2020c	2020c	NUM
ajfti-4584	234	31	)	)	PUNCT
ajfti-4584	234	32	accountability	accountability	NOUN
ajfti-4584	234	33	in	in	ADP
ajfti-4584	234	34	agricultural	agricultural	ADJ
ajfti-4584	234	35	governance	governance	NOUN
ajfti-4584	234	36	and	and	CCONJ
ajfti-4584	234	37	food	food	NOUN
ajfti-4584	234	38	security	security	NOUN
ajfti-4584	234	39	in	in	ADP
ajfti-4584	234	40	nigeria	nigeria	PROPN
ajfti-4584	234	41	.	.	PUNCT
ajfti-4584	235	1	brazilian	brazilian	ADJ
ajfti-4584	235	2	journal	journal	PROPN
ajfti-4584	235	3	of	of	ADP
ajfti-4584	235	4	food	food	NOUN
ajfti-4584	235	5	technology	technology	NOUN
ajfti-4584	235	6	23	23	NUM
ajfti-4584	235	7	,	,	PUNCT
ajfti-4584	235	8	e2019054	e2019054	NOUN
ajfti-4584	235	9	.	.	PUNCT
ajfti-4584	236	1	https://doi	https://doi	PROPN
ajfti-4584	236	2	.	.	PUNCT
ajfti-4584	236	3	org/10.1590/19816723.08919	org/10.1590/19816723.08919	PROPN
ajfti-4584	236	4	park	park	PROPN
ajfti-4584	236	5	,	,	PUNCT
ajfti-4584	236	6	c.-y	c.-y	NOUN
ajfti-4584	236	7	.	.	PUNCT
ajfti-4584	236	8	,	,	PUNCT
ajfti-4584	236	9	&	&	CCONJ
ajfti-4584	236	10	mercado	mercado	PROPN
ajfti-4584	236	11	jr	jr	PROPN
ajfti-4584	236	12	.	.	PROPN
ajfti-4584	236	13	,	,	PUNCT
ajfti-4584	236	14	r.	r.	PROPN
ajfti-4584	236	15	(	(	PUNCT
ajfti-4584	236	16	2018b	2018b	NUM
ajfti-4584	236	17	)	)	PUNCT
ajfti-4584	236	18	.	.	PUNCT
ajfti-4584	237	1	financial	financial	ADJ
ajfti-4584	237	2	inclusion	inclusion	NOUN
ajfti-4584	237	3	,	,	PUNCT
ajfti-4584	237	4	poverty	poverty	NOUN
ajfti-4584	237	5	,	,	PUNCT
ajfti-4584	237	6	and	and	CCONJ
ajfti-4584	237	7	income	income	NOUN
ajfti-4584	237	8	inequality	inequality	NOUN
ajfti-4584	237	9	.	.	PUNCT
ajfti-4584	238	1	the	the	DET
ajfti-4584	238	2	singapore	singapore	PROPN
ajfti-4584	238	3	economic	economic	PROPN
ajfti-4584	238	4	review	review	PROPN
ajfti-4584	238	5	,	,	PUNCT
ajfti-4584	238	6	63	63	NUM
ajfti-4584	238	7	,	,	PUNCT
ajfti-4584	238	8	185	185	NUM
ajfti-4584	238	9	-	-	SYM
ajfti-4584	238	10	206	206	NUM
ajfti-4584	238	11	.	.	PUNCT
ajfti-4584	239	1	sarma	sarma	NOUN
ajfti-4584	239	2	,	,	PUNCT
ajfti-4584	239	3	m.	m.	NOUN
ajfti-4584	239	4	(	(	PUNCT
ajfti-4584	239	5	2008	2008	NUM
ajfti-4584	239	6	)	)	PUNCT
ajfti-4584	239	7	.	.	PUNCT
ajfti-4584	240	1	index	index	NOUN
ajfti-4584	240	2	of	of	ADP
ajfti-4584	240	3	financial	financial	ADJ
ajfti-4584	240	4	inclusion	inclusion	NOUN
ajfti-4584	240	5	.	.	PUNCT
ajfti-4584	241	1	working	work	VERB
ajfti-4584	241	2	paper	paper	PROPN
ajfti-4584	241	3	no	no	INTJ
ajfti-4584	241	4	.	.	NOUN
ajfti-4584	241	5	215	215	NUM
ajfti-4584	241	6	sarma	sarma	NOUN
ajfti-4584	241	7	,	,	PUNCT
ajfti-4584	241	8	m.	m.	NOUN
ajfti-4584	241	9	(	(	PUNCT
ajfti-4584	241	10	2010	2010	NUM
ajfti-4584	241	11	)	)	PUNCT
ajfti-4584	241	12	.	.	PUNCT
ajfti-4584	242	1	index	index	NOUN
ajfti-4584	242	2	of	of	ADP
ajfti-4584	242	3	financial	financial	ADJ
ajfti-4584	242	4	inclusion	inclusion	NOUN
ajfti-4584	242	5	.	.	PUNCT
ajfti-4584	243	1	citd	citd	PROPN
ajfti-4584	243	2	discussion	discussion	NOUN
ajfti-4584	243	3	paper	paper	NOUN
ajfti-4584	243	4	,	,	PUNCT
ajfti-4584	243	5	10–05	10–05	NUM
ajfti-4584	243	6	.	.	PUNCT
ajfti-4584	244	1	sarma	sarma	NOUN
ajfti-4584	244	2	,	,	PUNCT
ajfti-4584	244	3	m.	m.	NOUN
ajfti-4584	244	4	,	,	PUNCT
ajfti-4584	244	5	&	&	CCONJ
ajfti-4584	244	6	pais	pais	PROPN
ajfti-4584	244	7	,	,	PUNCT
ajfti-4584	244	8	j.	j.	PROPN
ajfti-4584	244	9	(	(	PUNCT
ajfti-4584	244	10	2011	2011	NUM
ajfti-4584	244	11	)	)	PUNCT
ajfti-4584	244	12	financial	financial	ADJ
ajfti-4584	244	13	inclusion	inclusion	NOUN
ajfti-4584	244	14	and	and	CCONJ
ajfti-4584	244	15	development	development	NOUN
ajfti-4584	244	16	.	.	PUNCT
ajfti-4584	245	1	journal	journal	PROPN
ajfti-4584	245	2	of	of	ADP
ajfti-4584	245	3	international	international	PROPN
ajfti-4584	245	4	development	development	NOUN
ajfti-4584	245	5	,	,	PUNCT
ajfti-4584	245	6	23	23	NUM
ajfti-4584	245	7	,	,	PUNCT
ajfti-4584	245	8	613	613	NUM
ajfti-4584	245	9	-	-	SYM
ajfti-4584	245	10	625	625	NUM
ajfti-4584	245	11	.	.	PUNCT
ajfti-4584	246	1	https://doi.org/10.1002/jid.1698	https://doi.org/10.1002/jid.1698	PROPN
ajfti-4584	246	2	sarma	sarma	PROPN
ajfti-4584	246	3	,	,	PUNCT
ajfti-4584	246	4	m.	m.	NOUN
ajfti-4584	246	5	(	(	PUNCT
ajfti-4584	246	6	2012	2012	NUM
ajfti-4584	246	7	)	)	PUNCT
ajfti-4584	246	8	.	.	PUNCT
ajfti-4584	247	1	index	index	NOUN
ajfti-4584	247	2	of	of	ADP
ajfti-4584	247	3	financial	financial	ADJ
ajfti-4584	247	4	inclusion	inclusion	NOUN
ajfti-4584	247	5	–	–	PUNCT
ajfti-4584	247	6	a	a	DET
ajfti-4584	247	7	measure	measure	NOUN
ajfti-4584	247	8	of	of	ADP
ajfti-4584	247	9	financial	financial	ADJ
ajfti-4584	247	10	sector	sector	NOUN
ajfti-4584	247	11	inclusiveness	inclusiveness	NOUN
ajfti-4584	247	12	(	(	PUNCT
ajfti-4584	247	13	no	no	INTJ
ajfti-4584	247	14	.	.	NOUN
ajfti-4584	247	15	1207	1207	NUM
ajfti-4584	247	16	)	)	PUNCT
ajfti-4584	247	17	.	.	PUNCT
ajfti-4584	248	1	hochschule	hochschule	PROPN
ajfti-4584	248	2	fuer	fuer	PROPN
ajfti-4584	248	3	technik	technik	X
ajfti-4584	248	4	undwirtschaft	undwirtschaft	NOUN
ajfti-4584	248	5	,	,	PUNCT
ajfti-4584	248	6	berlin	berlin	PROPN
ajfti-4584	248	7	.	.	PUNCT
ajfti-4584	249	1	schumpeter	schumpeter	PROPN
ajfti-4584	249	2	,	,	PUNCT
ajfti-4584	249	3	j.	j.	PROPN
ajfti-4584	249	4	a.	a.	PROPN
ajfti-4584	249	5	(	(	PUNCT
ajfti-4584	249	6	1911	1911	NUM
ajfti-4584	249	7	)	)	PUNCT
ajfti-4584	249	8	.	.	PUNCT
ajfti-4584	250	1	theory	theory	NOUN
ajfti-4584	250	2	of	of	ADP
ajfti-4584	250	3	economic	economic	ADJ
ajfti-4584	250	4	development	development	NOUN
ajfti-4584	250	5	.	.	PUNCT
ajfti-4584	251	1	cambridge	cambridge	PROPN
ajfti-4584	251	2	:	:	PUNCT
ajfti-4584	251	3	harvard	harvard	PROPN
ajfti-4584	251	4	university	university	PROPN
ajfti-4584	251	5	press	press	NOUN
ajfti-4584	251	6	.	.	PUNCT
ajfti-4584	252	1	shaw	shaw	PROPN
ajfti-4584	252	2	,	,	PUNCT
ajfti-4584	252	3	e.	e.	PROPN
ajfti-4584	252	4	(	(	PUNCT
ajfti-4584	252	5	1973	1973	NUM
ajfti-4584	252	6	)	)	PUNCT
ajfti-4584	252	7	.	.	PUNCT
ajfti-4584	253	1	financial	financial	ADJ
ajfti-4584	253	2	deepening	deepen	VERB
ajfti-4584	253	3	in	in	ADP
ajfti-4584	253	4	economic	economic	ADJ
ajfti-4584	253	5	development	development	NOUN
ajfti-4584	253	6	.	.	PUNCT
ajfti-4584	254	1	new	new	PROPN
ajfti-4584	254	2	york	york	PROPN
ajfti-4584	254	3	:	:	PUNCT
ajfti-4584	254	4	oxford	oxford	PROPN
ajfti-4584	254	5	university	university	PROPN
ajfti-4584	254	6	press	press	NOUN
ajfti-4584	254	7	.	.	PUNCT
ajfti-4584	255	1	triki	triki	PROPN
ajfti-4584	255	2	,	,	PUNCT
ajfti-4584	255	3	t.	t.	PROPN
ajfti-4584	255	4	,	,	PUNCT
ajfti-4584	255	5	&	&	CCONJ
ajfti-4584	255	6	faye	faye	PROPN
ajfti-4584	255	7	,	,	PUNCT
ajfti-4584	255	8	i.	i.	PROPN
ajfti-4584	255	9	(	(	PUNCT
ajfti-4584	255	10	2013	2013	NUM
ajfti-4584	255	11	)	)	PUNCT
ajfti-4584	255	12	.	.	PUNCT
ajfti-4584	256	1	financial	financial	ADJ
ajfti-4584	256	2	inclusion	inclusion	NOUN
ajfti-4584	256	3	in	in	ADP
ajfti-4584	256	4	africa	africa	PROPN
ajfti-4584	256	5	.	.	PUNCT
ajfti-4584	257	1	abidjan	abidjan	PROPN
ajfti-4584	257	2	:	:	PUNCT
ajfti-4584	257	3	african	african	PROPN
ajfti-4584	257	4	development	development	PROPN
ajfti-4584	257	5	bank	bank	PROPN
ajfti-4584	257	6	world	world	PROPN
ajfti-4584	257	7	bank	bank	PROPN
ajfti-4584	257	8	.	.	PUNCT
ajfti-4584	258	1	(	(	PUNCT
ajfti-4584	258	2	2014	2014	NUM
ajfti-4584	258	3	)	)	PUNCT
ajfti-4584	258	4	.	.	PUNCT
ajfti-4584	259	1	building	build	VERB
ajfti-4584	259	2	integrated	integrate	VERB
ajfti-4584	259	3	markets	market	NOUN
ajfti-4584	259	4	within	within	ADP
ajfti-4584	259	5	the	the	DET
ajfti-4584	259	6	east	east	ADJ
ajfti-4584	259	7	african	african	PROPN
ajfti-4584	259	8	community	community	NOUN
ajfti-4584	259	9	:	:	PUNCT
ajfti-4584	259	10	eac	eac	PROPN
ajfti-4584	259	11	opportunities	opportunity	NOUN
ajfti-4584	259	12	in	in	ADP
ajfti-4584	259	13	public	public	ADJ
ajfti-4584	259	14	private	private	ADJ
ajfti-4584	259	15	partnership	partnership	NOUN
ajfti-4584	259	16	approaches	approach	VERB
ajfti-4584	259	17	to	to	ADP
ajfti-4584	259	18	the	the	DET
ajfti-4584	259	19	region	region	NOUN
ajfti-4584	259	20	’s	’s	PART
ajfti-4584	259	21	infrastructure	infrastructure	NOUN
ajfti-4584	259	22	needs	need	NOUN
ajfti-4584	259	23	.	.	PUNCT
ajfti-4584	260	1	washington	washington	PROPN
ajfti-4584	260	2	,	,	PUNCT
ajfti-4584	260	3	d.c	d.c	PROPN
ajfti-4584	260	4	.	.	PROPN
ajfti-4584	260	5	:	:	PUNCT
ajfti-4584	261	1	international	international	ADJ
ajfti-4584	261	2	bank	bank	PROPN
ajfti-4584	261	3	for	for	ADP
ajfti-4584	261	4	reconstruction	reconstruction	NOUN
ajfti-4584	261	5	and	and	CCONJ
ajfti-4584	261	6	development/	development/	NUM
ajfti-4584	261	7	world	world	PROPN
ajfti-4584	261	8	bank	bank	PROPN
ajfti-4584	261	9	.	.	PUNCT
ajfti-4584	262	1	world	world	PROPN
ajfti-4584	262	2	bank	bank	PROPN
ajfti-4584	262	3	.	.	PUNCT
ajfti-4584	263	1	(	(	PUNCT
ajfti-4584	263	2	2020	2020	NUM
ajfti-4584	263	3	)	)	PUNCT
ajfti-4584	263	4	.	.	PUNCT
ajfti-4584	264	1	global	global	ADJ
ajfti-4584	264	2	financial	financial	PROPN
ajfti-4584	264	3	development	development	PROPN
ajfti-4584	264	4	report	report	PROPN
ajfti-4584	264	5	2019/2020	2019/2020	NUM
ajfti-4584	264	6	:	:	PUNCT
ajfti-4584	264	7	bank	bank	NOUN
ajfti-4584	264	8	regulation	regulation	NOUN
ajfti-4584	264	9	and	and	CCONJ
ajfti-4584	264	10	supervision	supervision	NOUN
ajfti-4584	264	11	a	a	DET
ajfti-4584	264	12	decade	decade	NOUN
ajfti-4584	264	13	after	after	ADP
ajfti-4584	264	14	the	the	DET
ajfti-4584	264	15	global	global	ADJ
ajfti-4584	264	16	financial	financial	ADJ
ajfti-4584	264	17	crisis	crisis	NOUN
ajfti-4584	264	18	.	.	PUNCT
ajfti-4584	265	1	washington	washington	PROPN
ajfti-4584	265	2	,	,	PUNCT
ajfti-4584	265	3	dc	dc	PROPN
ajfti-4584	265	4	:	:	PUNCT
ajfti-4584	265	5	world	world	PROPN
ajfti-4584	265	6	bank	bank	PROPN
ajfti-4584	265	7	.	.	PUNCT
ajfti-4584	266	1	zreik	zreik	NOUN
ajfti-4584	266	2	,	,	PUNCT
ajfti-4584	266	3	m.	m.	NOUN
ajfti-4584	266	4	,	,	PUNCT
ajfti-4584	266	5	marzuki	marzuki	NOUN
ajfti-4584	266	6	,	,	PUNCT
ajfti-4584	266	7	s.	s.	PROPN
ajfti-4584	266	8	z.	z.	PROPN
ajfti-4584	266	9	s.	s.	PROPN
ajfti-4584	266	10	,	,	PUNCT
ajfti-4584	266	11	&	&	CCONJ
ajfti-4584	266	12	iqbal	iqbal	PROPN
ajfti-4584	266	13	,	,	PUNCT
ajfti-4584	266	14	b.	b.	PROPN
ajfti-4584	266	15	a.	a.	PROPN
ajfti-4584	266	16	(	(	PUNCT
ajfti-4584	266	17	2023	2023	NUM
ajfti-4584	266	18	)	)	PUNCT
ajfti-4584	266	19	.	.	PUNCT
ajfti-4584	267	1	deepening	deepen	VERB
ajfti-4584	267	2	financial	financial	ADJ
ajfti-4584	267	3	inclusion	inclusion	NOUN
ajfti-4584	267	4	through	through	ADP
ajfti-4584	267	5	digitization	digitization	NOUN
ajfti-4584	267	6	:	:	PUNCT
ajfti-4584	267	7	a	a	DET
ajfti-4584	267	8	case	case	NOUN
ajfti-4584	267	9	study	study	NOUN
ajfti-4584	267	10	of	of	ADP
ajfti-4584	267	11	microfinance	microfinance	NOUN
ajfti-4584	267	12	in	in	ADP
ajfti-4584	267	13	china	china	PROPN
ajfti-4584	267	14	.	.	PUNCT
ajfti-4584	268	1	asean	asean	ADJ
ajfti-4584	268	2	entrepreneurship	entrepreneurship	PROPN
ajfti-4584	268	3	journal	journal	NOUN
ajfti-4584	268	4	(	(	PUNCT
ajfti-4584	268	5	aej	aej	PROPN
ajfti-4584	268	6	)	)	PUNCT
ajfti-4584	268	7	,	,	PUNCT
ajfti-4584	268	8	9(2	9(2	NUM
ajfti-4584	268	9	)	)	PUNCT
ajfti-4584	268	10	,	,	PUNCT
ajfti-4584	268	11	9	9	NUM
ajfti-4584	268	12	-	-	SYM
ajfti-4584	268	13	21	21	NUM
ajfti-4584	268	14	inclusion	inclusion	NOUN
ajfti-4584	268	15	:	:	PUNCT
ajfti-4584	268	16	a	a	DET
ajfti-4584	268	17	multidimensional	multidimensional	ADJ
ajfti-4584	268	18	index	index	NOUN
ajfti-4584	268	19	.	.	PUNCT
ajfti-4584	269	1	working	work	VERB
ajfti-4584	269	2	paper	paper	PROPN
ajfti-4584	269	3	from	from	ADP
ajfti-4584	269	4	bbva	bbva	PROPN
ajfti-4584	269	5	bank	bank	PROPN
ajfti-4584	269	6	,	,	PUNCT
ajfti-4584	269	7	economic	economic	ADJ
ajfti-4584	269	8	research	research	NOUN
ajfti-4584	269	9	department	department	PROPN
ajfti-4584	269	10	,	,	PUNCT
ajfti-4584	269	11	no	no	DET
ajfti-4584	269	12	1426	1426	NUM
ajfti-4584	269	13	.	.	PUNCT
ajfti-4584	270	1	chandio	chandio	NOUN
ajfti-4584	270	2	a.	a.	PROPN
ajfti-4584	270	3	a.	a.	PROPN
ajfti-4584	270	4	,	,	PUNCT
ajfti-4584	270	5	&	&	CCONJ
ajfti-4584	270	6	.jiang	.jiang	PROPN
ajfti-4584	270	7	,	,	PUNCT
ajfti-4584	270	8	y.	y.	PROPN
ajfti-4584	270	9	(	(	PUNCT
ajfti-4584	270	10	2018	2018	NUM
ajfti-4584	270	11	)	)	PUNCT
ajfti-4584	270	12	.	.	PUNCT
ajfti-4584	271	1	determinants	determinant	NOUN
ajfti-4584	271	2	of	of	ADP
ajfti-4584	271	3	credit	credit	NOUN
ajfti-4584	271	4	constraints	constraint	NOUN
ajfti-4584	271	5	:	:	PUNCT
ajfti-4584	271	6	evidence	evidence	NOUN
ajfti-4584	271	7	from	from	ADP
ajfti-4584	271	8	sindh	sindh	PROPN
ajfti-4584	271	9	,	,	PUNCT
ajfti-4584	271	10	pakistan	pakistan	PROPN
ajfti-4584	271	11	.	.	PUNCT
ajfti-4584	272	1	emerging	emerge	VERB
ajfti-4584	272	2	markets	market	NOUN
ajfti-4584	272	3	finance	finance	NOUN
ajfti-4584	272	4	and	and	CCONJ
ajfti-4584	272	5	trade	trade	NOUN
ajfti-4584	272	6	,	,	PUNCT
ajfti-4584	272	7	54(15	54(15	PROPN
ajfti-4584	272	8	)	)	PUNCT
ajfti-4584	272	9	,	,	PUNCT
ajfti-4584	272	10	3401–3410	3401–3410	NUM
ajfti-4584	272	11	.	.	PUNCT
ajfti-4584	273	1	central	central	PROPN
ajfti-4584	273	2	bank	bank	PROPN
ajfti-4584	273	3	of	of	ADP
ajfti-4584	273	4	nigeria	nigeria	PROPN
ajfti-4584	273	5	.	.	PUNCT
ajfti-4584	274	1	(	(	PUNCT
ajfti-4584	274	2	2012	2012	NUM
ajfti-4584	274	3	)	)	PUNCT
ajfti-4584	274	4	.	.	PUNCT
ajfti-4584	275	1	measuring	measure	VERB
ajfti-4584	275	2	nigerian	nigerian	PROPN
ajfti-4584	275	3	’s	’s	PART
ajfti-4584	275	4	financial	financial	ADJ
ajfti-4584	275	5	inclusion	inclusion	NOUN
ajfti-4584	275	6	strategy	strategy	NOUN
ajfti-4584	275	7	.	.	PUNCT
ajfti-4584	276	1	abuja	abuja	PROPN
ajfti-4584	276	2	:	:	PUNCT
ajfti-4584	276	3	cbn	cbn	PROPN
ajfti-4584	276	4	chauvet	chauvet	PROPN
ajfti-4584	276	5	,	,	PUNCT
ajfti-4584	276	6	l.	l.	PROPN
ajfti-4584	276	7	,	,	PUNCT
ajfti-4584	276	8	&	&	CCONJ
ajfti-4584	276	9	jacolin	jacolin	PROPN
ajfti-4584	276	10	,	,	PUNCT
ajfti-4584	276	11	l.	l.	PROPN
ajfti-4584	276	12	(	(	PUNCT
ajfti-4584	276	13	2017	2017	NUM
ajfti-4584	276	14	)	)	PUNCT
ajfti-4584	276	15	.	.	PUNCT
ajfti-4584	277	1	financial	financial	ADJ
ajfti-4584	277	2	inclusion	inclusion	NOUN
ajfti-4584	277	3	,	,	PUNCT
ajfti-4584	277	4	bank	bank	NOUN
ajfti-4584	277	5	concentration	concentration	NOUN
ajfti-4584	277	6	,	,	PUNCT
ajfti-4584	277	7	and	and	CCONJ
ajfti-4584	277	8	firm	firm	ADJ
ajfti-4584	277	9	performance	performance	NOUN
ajfti-4584	277	10	.	.	PUNCT
ajfti-4584	278	1	world	world	NOUN
ajfti-4584	278	2	development	development	PROPN
ajfti-4584	278	3	,	,	PUNCT
ajfti-4584	278	4	97	97	NUM
ajfti-4584	278	5	,	,	PUNCT
ajfti-4584	278	6	1–13	1–13	NOUN
ajfti-4584	278	7	.	.	PUNCT
ajfti-4584	279	1	demirgüç	demirgüç	PROPN
ajfti-4584	279	2	-	-	PUNCT
ajfti-4584	279	3	kunt	kunt	PROPN
ajfti-4584	279	4	,	,	PUNCT
ajfti-4584	279	5	a.	a.	PROPN
ajfti-4584	279	6	,	,	PUNCT
ajfti-4584	279	7	klapper	klapper	PROPN
ajfti-4584	279	8	,	,	PUNCT
ajfti-4584	279	9	l.	l.	PROPN
ajfti-4584	279	10	,	,	PUNCT
ajfti-4584	279	11	&	&	CCONJ
ajfti-4584	279	12	singer	singer	PROPN
ajfti-4584	279	13	,	,	PUNCT
ajfti-4584	279	14	d.	d.	PROPN
ajfti-4584	279	15	(	(	PUNCT
ajfti-4584	279	16	2017	2017	NUM
ajfti-4584	279	17	)	)	PUNCT
ajfti-4584	279	18	.	.	PUNCT
ajfti-4584	280	1	financial	financial	ADJ
ajfti-4584	280	2	inclusion	inclusion	NOUN
ajfti-4584	280	3	and	and	CCONJ
ajfti-4584	280	4	inclusive	inclusive	ADJ
ajfti-4584	280	5	growth	growth	NOUN
ajfti-4584	280	6	:	:	PUNCT
ajfti-4584	280	7	a	a	DET
ajfti-4584	280	8	review	review	NOUN
ajfti-4584	280	9	of	of	ADP
ajfti-4584	280	10	recent	recent	ADJ
ajfti-4584	280	11	empirical	empirical	ADJ
ajfti-4584	280	12	evidence	evidence	NOUN
ajfti-4584	280	13	.	.	PUNCT
ajfti-4584	281	1	policy	policy	NOUN
ajfti-4584	281	2	research	research	NOUN
ajfti-4584	281	3	working	working	NOUN
ajfti-4584	281	4	paper	paper	NOUN
ajfti-4584	281	5	8040	8040	NUM
ajfti-4584	281	6	,	,	PUNCT
ajfti-4584	281	7	world	world	PROPN
ajfti-4584	281	8	bank	bank	PROPN
ajfti-4584	281	9	,	,	PUNCT
ajfti-4584	281	10	washington	washington	PROPN
ajfti-4584	281	11	,	,	PUNCT
ajfti-4584	281	12	dc	dc	PROPN
ajfti-4584	281	13	.	.	PUNCT
ajfti-4584	281	14	dinh	dinh	PROPN
ajfti-4584	281	15	,	,	PUNCT
ajfti-4584	281	16	h.	h.	PROPN
ajfti-4584	281	17	t.	t.	PROPN
ajfti-4584	281	18	,	,	PUNCT
ajfti-4584	281	19	mavridis	mavridis	PROPN
ajfti-4584	281	20	,	,	PUNCT
ajfti-4584	281	21	d.	d.	PROPN
ajfti-4584	281	22	a.	a.	PROPN
ajfti-4584	281	23	,	,	PUNCT
ajfti-4584	281	24	&	&	CCONJ
ajfti-4584	281	25	nguyen	nguyen	PROPN
ajfti-4584	281	26	,	,	PUNCT
ajfti-4584	281	27	n.	n.	PROPN
ajfti-4584	281	28	b.	b.	PROPN
ajfti-4584	281	29	(	(	PUNCT
ajfti-4584	281	30	2012	2012	NUM
ajfti-4584	281	31	)	)	PUNCT
ajfti-4584	281	32	.	.	PUNCT
ajfti-4584	282	1	the	the	DET
ajfti-4584	282	2	binding	bind	VERB
ajfti-4584	282	3	constraint	constraint	NOUN
ajfti-4584	282	4	on	on	ADP
ajfti-4584	282	5	the	the	DET
ajfti-4584	282	6	growth	growth	NOUN
ajfti-4584	282	7	of	of	ADP
ajfti-4584	282	8	firms	firm	NOUN
ajfti-4584	282	9	in	in	ADP
ajfti-4584	282	10	developing	develop	VERB
ajfti-4584	282	11	countries	country	NOUN
ajfti-4584	282	12	.	.	PUNCT
ajfti-4584	283	1	world	world	PROPN
ajfti-4584	283	2	bank	bank	PROPN
ajfti-4584	283	3	,	,	PUNCT
ajfti-4584	283	4	washington	washington	PROPN
ajfti-4584	283	5	d.	d.	PROPN
ajfti-4584	283	6	c.	c.	PROPN
ajfti-4584	283	7	fowowe	fowowe	PROPN
ajfti-4584	283	8	,	,	PUNCT
ajfti-4584	283	9	b.	b.	PROPN
ajfti-4584	283	10	(	(	PUNCT
ajfti-4584	283	11	2017	2017	NUM
ajfti-4584	283	12	)	)	PUNCT
ajfti-4584	283	13	.	.	PUNCT
ajfti-4584	284	1	access	access	NOUN
ajfti-4584	284	2	to	to	ADP
ajfti-4584	284	3	finance	finance	NOUN
ajfti-4584	284	4	and	and	CCONJ
ajfti-4584	284	5	firm	firm	ADJ
ajfti-4584	284	6	performance	performance	NOUN
ajfti-4584	284	7	:	:	PUNCT
ajfti-4584	284	8	evidence	evidence	NOUN
ajfti-4584	284	9	from	from	ADP
ajfti-4584	284	10	african	african	ADJ
ajfti-4584	284	11	countries	country	NOUN
ajfti-4584	284	12	.	.	PUNCT
ajfti-4584	285	1	review	review	NOUN
ajfti-4584	285	2	of	of	ADP
ajfti-4584	285	3	development	development	NOUN
ajfti-4584	285	4	finance	finance	NOUN
ajfti-4584	285	5	7	7	NUM
ajfti-4584	285	6	,	,	PUNCT
ajfti-4584	285	7	6–17	6–17	PROPN
ajfti-4584	285	8	.	.	PUNCT
ajfti-4584	286	1	global	global	ADJ
ajfti-4584	286	2	findex	findex	NOUN
ajfti-4584	286	3	.	.	PUNCT
ajfti-4584	287	1	(	(	PUNCT
ajfti-4584	287	2	2021	2021	NUM
ajfti-4584	287	3	)	)	PUNCT
ajfti-4584	287	4	.	.	PUNCT
ajfti-4584	288	1	the	the	DET
ajfti-4584	288	2	global	global	ADJ
ajfti-4584	288	3	findex	findex	PROPN
ajfti-4584	288	4	database	database	NOUN
ajfti-4584	288	5	2021	2021	NUM
ajfti-4584	288	6	:	:	PUNCT
ajfti-4584	288	7	financial	financial	ADJ
ajfti-4584	288	8	inclusion	inclusion	NOUN
ajfti-4584	288	9	,	,	PUNCT
ajfti-4584	288	10	digital	digital	ADJ
ajfti-4584	288	11	payments	payment	NOUN
ajfti-4584	288	12	,	,	PUNCT
ajfti-4584	288	13	and	and	CCONJ
ajfti-4584	288	14	resilience	resilience	NOUN
ajfti-4584	288	15	in	in	ADP
ajfti-4584	288	16	the	the	DET
ajfti-4584	288	17	age	age	NOUN
ajfti-4584	288	18	of	of	ADP
ajfti-4584	288	19	covid-19	covid-19	PROPN
ajfti-4584	288	20	.	.	PUNCT
ajfti-4584	288	21	world	world	PROPN
ajfti-4584	288	22	bank	bank	PROPN
ajfti-4584	288	23	:	:	PUNCT
ajfti-4584	288	24	washington	washington	PROPN
ajfti-4584	288	25	d.	d.	PROPN
ajfti-4584	288	26	c.	c.	PROPN
ajfti-4584	288	27	ibekwe	ibekwe	PROPN
ajfti-4584	288	28	a.	a.	NOUN
ajfti-4584	288	29	o.	o.	PROPN
ajfti-4584	288	30	,	,	PUNCT
ajfti-4584	288	31	&	&	CCONJ
ajfti-4584	288	32	ogbonnia	ogbonnia	PROPN
ajfti-4584	288	33	a.	a.	PROPN
ajfti-4584	288	34	a.	a.	PROPN
ajfti-4584	288	35	,	,	PUNCT
ajfti-4584	288	36	&	&	CCONJ
ajfti-4584	288	37	ibekwe	ibekwe	VERB
ajfti-4584	288	38	a.	a.	NOUN
ajfti-4584	288	39	i.	i.	PROPN
ajfti-4584	288	40	(	(	PUNCT
ajfti-4584	288	41	2021	2021	NUM
ajfti-4584	288	42	)	)	PUNCT
ajfti-4584	288	43	.	.	PUNCT
ajfti-4584	289	1	financial	financial	ADJ
ajfti-4584	289	2	intermediation	intermediation	NOUN
ajfti-4584	289	3	and	and	CCONJ
ajfti-4584	289	4	economic	economic	ADJ
ajfti-4584	289	5	growth	growth	NOUN
ajfti-4584	289	6	in	in	ADP
ajfti-4584	289	7	nigeria	nigeria	PROPN
ajfti-4584	289	8	:	:	PUNCT
ajfti-4584	289	9	a	a	DET
ajfti-4584	289	10	disaggregated	disaggregate	VERB
ajfti-4584	289	11	analysis	analysis	NOUN
ajfti-4584	289	12	.	.	PUNCT
ajfti-4584	290	1	jetmase	jetmase	PROPN
ajfti-4584	290	2	,	,	PUNCT
ajfti-4584	290	3	3(1	3(1	NUM
ajfti-4584	290	4	)	)	PUNCT
ajfti-4584	290	5	,	,	PUNCT
ajfti-4584	290	6	90	90	NUM
ajfti-4584	290	7	-	-	SYM
ajfti-4584	290	8	104	104	NUM
ajfti-4584	290	9	.	.	PUNCT
ajfti-4584	291	1	international	international	ADJ
ajfti-4584	291	2	monetary	monetary	ADJ
ajfti-4584	291	3	fund	fund	NOUN
ajfti-4584	291	4	.	.	PUNCT
ajfti-4584	292	1	(	(	PUNCT
ajfti-4584	292	2	2020	2020	NUM
ajfti-4584	292	3	)	)	PUNCT
ajfti-4584	292	4	.	.	PUNCT
ajfti-4584	293	1	measuring	measure	VERB
ajfti-4584	293	2	financial	financial	ADJ
ajfti-4584	293	3	access	access	NOUN
ajfti-4584	293	4	:	:	PUNCT
ajfti-4584	293	5	10	10	NUM
ajfti-4584	293	6	years	year	NOUN
ajfti-4584	293	7	of	of	ADP
ajfti-4584	293	8	the	the	DET
ajfti-4584	293	9	imf	imf	PROPN
ajfti-4584	293	10	financial	financial	ADJ
ajfti-4584	293	11	access	access	NOUN
ajfti-4584	293	12	survey	survey	NOUN
ajfti-4584	293	13	.	.	PUNCT
ajfti-4584	294	1	washington	washington	PROPN
ajfti-4584	294	2	,	,	PUNCT
ajfti-4584	294	3	dc	dc	PROPN
ajfti-4584	294	4	:	:	PUNCT
ajfti-4584	294	5	international	international	ADJ
ajfti-4584	294	6	monetary	monetary	ADJ
ajfti-4584	294	7	fund	fund	PROPN
ajfti-4584	294	8	.	.	PUNCT
ajfti-4584	295	1	krejcie	krejcie	PROPN
ajfti-4584	295	2	,	,	PUNCT
ajfti-4584	295	3	r.	r.	PROPN
ajfti-4584	295	4	v.	v.	PROPN
ajfti-4584	295	5	,	,	PUNCT
ajfti-4584	295	6	&	&	CCONJ
ajfti-4584	295	7	morgan	morgan	PROPN
ajfti-4584	295	8	,	,	PUNCT
ajfti-4584	295	9	d.	d.	PROPN
ajfti-4584	295	10	w.	w.	PROPN
ajfti-4584	295	11	(	(	PUNCT
ajfti-4584	295	12	1970	1970	NUM
ajfti-4584	295	13	)	)	PUNCT
ajfti-4584	295	14	.	.	PUNCT
ajfti-4584	296	1	determining	determine	VERB
ajfti-4584	296	2	sample	sample	NOUN
ajfti-4584	296	3	size	size	NOUN
ajfti-4584	296	4	for	for	ADP
ajfti-4584	296	5	research	research	NOUN
ajfti-4584	296	6	activities	activity	NOUN
ajfti-4584	296	7	.	.	PUNCT
ajfti-4584	297	1	educational	educational	ADJ
ajfti-4584	297	2	and	and	CCONJ
ajfti-4584	297	3	psychological	psychological	ADJ
ajfti-4584	297	4	measurement	measurement	NOUN
ajfti-4584	297	5	,	,	PUNCT
ajfti-4584	297	6	30	30	NUM
ajfti-4584	297	7	,	,	PUNCT
ajfti-4584	297	8	607	607	NUM
ajfti-4584	297	9	-	-	SYM
ajfti-4584	297	10	610	610	NUM
ajfti-4584	297	11	mayorga	mayorga	NOUN
ajfti-4584	297	12	,	,	PUNCT
ajfti-4584	297	13	d.	d.	PROPN
ajfti-4584	297	14	f.	f.	PROPN
ajfti-4584	297	15	s.	s.	PROPN
ajfti-4584	297	16	,	,	PUNCT
ajfti-4584	297	17	melgarejo	melgarejo	PROPN
ajfti-4584	297	18	,	,	PUNCT
ajfti-4584	297	19	z.	z.	PROPN
ajfti-4584	297	20	,	,	PUNCT
ajfti-4584	297	21	&	&	CCONJ
ajfti-4584	297	22	oliveros	oliveros	PROPN
ajfti-4584	297	23	,	,	PUNCT
ajfti-4584	297	24	d.	d.	PROPN
ajfti-4584	297	25	(	(	PUNCT
ajfti-4584	297	26	2024	2024	NUM
ajfti-4584	297	27	)	)	PUNCT
ajfti-4584	297	28	.	.	PUNCT
ajfti-4584	298	1	financial	financial	ADJ
ajfti-4584	298	2	inclusion	inclusion	NOUN
ajfti-4584	298	3	and	and	CCONJ
ajfti-4584	298	4	its	its	PRON
ajfti-4584	298	5	relationship	relationship	NOUN
ajfti-4584	298	6	with	with	ADP
ajfti-4584	298	7	business	business	NOUN
ajfti-4584	298	8	growth	growth	NOUN
ajfti-4584	298	9	of	of	ADP
ajfti-4584	298	10	microenterprises	microenterprise	NOUN
ajfti-4584	298	11	in	in	ADP
ajfti-4584	298	12	the	the	DET
ajfti-4584	298	13	manufacturing	manufacturing	NOUN
ajfti-4584	298	14	industry	industry	NOUN
ajfti-4584	298	15	in	in	ADP
ajfti-4584	298	16	bogota	bogota	PROPN
ajfti-4584	298	17	during	during	ADP
ajfti-4584	298	18	2012–2016	2012–2016	NUM
ajfti-4584	298	19	.	.	PUNCT
ajfti-4584	299	1	cogent	cogent	NOUN
ajfti-4584	299	2	business	business	PROPN
ajfti-4584	299	3	&	&	CCONJ
ajfti-4584	299	4	management	management	PROPN
ajfti-4584	299	5	,	,	PUNCT
ajfti-4584	299	6	11(1	11(1	NUM
ajfti-4584	299	7	)	)	PUNCT
ajfti-4584	299	8	.	.	PUNCT
ajfti-4584	300	1	https://doi.org/10.1080/23311	https://doi.org/10.1080/23311	NOUN
ajfti-4584	300	2	975.2024.2338226	975.2024.2338226	NUM
ajfti-4584	300	3	mckinnon	mckinnon	PROPN
ajfti-4584	300	4	,	,	PUNCT
ajfti-4584	300	5	r.	r.	PROPN
ajfti-4584	300	6	i.	i.	PROPN
ajfti-4584	300	7	(	(	PUNCT
ajfti-4584	300	8	1973	1973	NUM
ajfti-4584	300	9	)	)	PUNCT
ajfti-4584	300	10	.	.	PUNCT
ajfti-4584	301	1	money	money	NOUN
ajfti-4584	301	2	,	,	PUNCT
ajfti-4584	301	3	capital	capital	NOUN
ajfti-4584	301	4	and	and	CCONJ
ajfti-4584	301	5	banking	banking	NOUN
ajfti-4584	301	6	.	.	PUNCT
ajfti-4584	302	1	washington	washington	PROPN
ajfti-4584	302	2	d.	d.	PROPN
ajfti-4584	302	3	c.	c.	PROPN
ajfti-4584	302	4	:	:	PUNCT
ajfti-4584	302	5	brooklyn	brooklyn	PROPN
ajfti-4584	302	6	institution	institution	PROPN
ajfti-4584	302	7	nizam	nizam	PROPN
ajfti-4584	302	8	,	,	PUNCT
ajfti-4584	302	9	r.	r.	PROPN
ajfti-4584	302	10	,	,	PUNCT
ajfti-4584	302	11	abdulkarim	abdulkarim	NOUN
ajfti-4584	302	12	,	,	PUNCT
ajfti-4584	302	13	z.	z.	PROPN
ajfti-4584	302	14	,	,	PUNCT
ajfti-4584	302	15	sarmidi	sarmidi	ADJ
ajfti-4584	302	16	,	,	PUNCT
ajfti-4584	302	17	t.	t.	PROPN
ajfti-4584	302	18	,	,	PUNCT
ajfti-4584	302	19	&	&	CCONJ
ajfti-4584	302	20	abdulrahman	abdulrahman	PROPN
ajfti-4584	302	21	,	,	PUNCT
ajfti-4584	302	22	a.	a.	NOUN
ajfti-4584	302	23	(	(	PUNCT
ajfti-4584	302	24	2020	2020	NUM
ajfti-4584	302	25	)	)	PUNCT
ajfti-4584	302	26	.	.	PUNCT
ajfti-4584	303	1	financial	financial	ADJ
ajfti-4584	303	2	inclusion	inclusion	NOUN
ajfti-4584	303	3	and	and	CCONJ
ajfti-4584	303	4	firms	firm	NOUN
ajfti-4584	303	5	growth	growth	VERB
ajfti-4584	303	6	in	in	ADP
ajfti-4584	303	7	manufacturing	manufacturing	NOUN
ajfti-4584	303	8	sector	sector	NOUN
ajfti-4584	303	9	:	:	PUNCT
ajfti-4584	303	10	a	a	DET
ajfti-4584	303	11	threshold	threshold	NOUN
ajfti-4584	303	12	regression	regression	NOUN
ajfti-4584	303	13	analysis	analysis	NOUN