id	sid	tid	token	lemma	pos
ajpdis-236	1	1	microsoft	microsoft	PROPN
ajpdis-236	1	2	word	word	PROPN
ajpdis-236	1	3	akhmedov	akhmedov	PROPN
ajpdis-236	1	4	alim	alim	NOUN
ajpdis-236	1	5	3	3	NUM
ajpdis-236	1	6	-	-	SYM
ajpdis-236	1	7	5	5	NUM
ajpdis-236	1	8	1	1	NUM
ajpdis-236	1	9	american	american	ADJ
ajpdis-236	1	10	journal	journal	NOUN
ajpdis-236	1	11	of	of	ADP
ajpdis-236	1	12	public	public	ADJ
ajpdis-236	1	13	diplomacy	diplomacy	NOUN
ajpdis-236	1	14	and	and	CCONJ
ajpdis-236	1	15	international	international	ADJ
ajpdis-236	1	16	studies	study	NOUN
ajpdis-236	1	17	www	www	PROPN
ajpdis-236	1	18	.	.	PROPN
ajpdis-236	2	1	grnjournal.us	grnjournal.us	PROPN
ajpdis-236	2	2	american	american	PROPN
ajpdis-236	2	3	journal	journal	PROPN
ajpdis-236	2	4	of	of	ADP
ajpdis-236	2	5	public	public	ADJ
ajpdis-236	2	6	diplomacy	diplomacy	NOUN
ajpdis-236	2	7	and	and	CCONJ
ajpdis-236	2	8	international	international	ADJ
ajpdis-236	2	9	studies	study	NOUN
ajpdis-236	2	10	volume	volume	NOUN
ajpdis-236	2	11	01	01	NUM
ajpdis-236	2	12	,	,	PUNCT
ajpdis-236	2	13	issue	issue	NOUN
ajpdis-236	2	14	04	04	NUM
ajpdis-236	2	15	,	,	PUNCT
ajpdis-236	2	16	2023	2023	NUM
ajpdis-236	2	17	issn	issn	X
ajpdis-236	2	18	(	(	PUNCT
ajpdis-236	2	19	e	e	NOUN
ajpdis-236	2	20	):	):	PUNCT
ajpdis-236	2	21	ххх	ххх	NOUN
ajpdis-236	2	22	-	-	PUNCT
ajpdis-236	2	23	ххх	ххх	NOUN
ajpdis-236	2	24	increasing	increase	VERB
ajpdis-236	2	25	financial	financial	ADJ
ajpdis-236	2	26	literacy	literacy	NOUN
ajpdis-236	2	27	in	in	ADP
ajpdis-236	2	28	rural	rural	ADJ
ajpdis-236	2	29	areas	area	NOUN
ajpdis-236	2	30	akhmedov	akhmedov	VERB
ajpdis-236	2	31	alim	alim	PROPN
ajpdis-236	2	32	babaniyazovich	babaniyazovich	ADJ
ajpdis-236	2	33	teacher	teacher	NOUN
ajpdis-236	2	34	of	of	ADP
ajpdis-236	2	35	the	the	DET
ajpdis-236	2	36	department	department	PROPN
ajpdis-236	2	37	of	of	ADP
ajpdis-236	2	38	business	business	NOUN
ajpdis-236	2	39	management	management	NOUN
ajpdis-236	2	40	and	and	CCONJ
ajpdis-236	2	41	statistics	statistic	NOUN
ajpdis-236	2	42	jamshid	jamshid	PROPN
ajpdis-236	2	43	safarov	safarov	PROPN
ajpdis-236	2	44	abdullayevich	abdullayevich	PROPN
ajpdis-236	2	45	student	student	NOUN
ajpdis-236	2	46	of	of	ADP
ajpdis-236	2	47	the	the	DET
ajpdis-236	2	48	3rd	3rd	ADJ
ajpdis-236	2	49	year	year	NOUN
ajpdis-236	2	50	,	,	PUNCT
ajpdis-236	2	51	group	group	NOUN
ajpdis-236	2	52	220	220	NUM
ajpdis-236	2	53	,	,	PUNCT
ajpdis-236	2	54	accounting	accounting	NOUN
ajpdis-236	2	55	and	and	CCONJ
ajpdis-236	2	56	auditing	auditing	NOUN
ajpdis-236	2	57	abstract	abstract	NOUN
ajpdis-236	2	58	to	to	PART
ajpdis-236	2	59	understand	understand	VERB
ajpdis-236	2	60	the	the	DET
ajpdis-236	2	61	main	main	ADJ
ajpdis-236	2	62	principles	principle	NOUN
ajpdis-236	2	63	of	of	ADP
ajpdis-236	2	64	the	the	DET
ajpdis-236	2	65	economic	economic	ADJ
ajpdis-236	2	66	life	life	NOUN
ajpdis-236	2	67	of	of	ADP
ajpdis-236	2	68	society	society	NOUN
ajpdis-236	2	69	,	,	PUNCT
ajpdis-236	2	70	the	the	DET
ajpdis-236	2	71	role	role	NOUN
ajpdis-236	2	72	of	of	ADP
ajpdis-236	2	73	money	money	NOUN
ajpdis-236	2	74	in	in	ADP
ajpdis-236	2	75	the	the	DET
ajpdis-236	2	76	family	family	NOUN
ajpdis-236	2	77	and	and	CCONJ
ajpdis-236	2	78	society	society	NOUN
ajpdis-236	2	79	,	,	PUNCT
ajpdis-236	2	80	the	the	DET
ajpdis-236	2	81	causes	cause	NOUN
ajpdis-236	2	82	and	and	CCONJ
ajpdis-236	2	83	consequences	consequence	NOUN
ajpdis-236	2	84	of	of	ADP
ajpdis-236	2	85	changes	change	NOUN
ajpdis-236	2	86	in	in	ADP
ajpdis-236	2	87	family	family	NOUN
ajpdis-236	2	88	income	income	NOUN
ajpdis-236	2	89	and	and	CCONJ
ajpdis-236	2	90	expenses	expense	NOUN
ajpdis-236	2	91	,	,	PUNCT
ajpdis-236	2	92	to	to	PART
ajpdis-236	2	93	understand	understand	VERB
ajpdis-236	2	94	the	the	DET
ajpdis-236	2	95	role	role	NOUN
ajpdis-236	2	96	of	of	ADP
ajpdis-236	2	97	the	the	DET
ajpdis-236	2	98	state	state	NOUN
ajpdis-236	2	99	in	in	ADP
ajpdis-236	2	100	the	the	DET
ajpdis-236	2	101	family	family	NOUN
ajpdis-236	2	102	economy	economy	NOUN
ajpdis-236	2	103	.	.	PUNCT
ajpdis-236	3	1	of	of	ADP
ajpdis-236	3	2	course	course	ADV
ajpdis-236	3	3	,	,	PUNCT
ajpdis-236	3	4	to	to	PART
ajpdis-236	3	5	understand	understand	VERB
ajpdis-236	3	6	these	these	DET
ajpdis-236	3	7	things	thing	NOUN
ajpdis-236	3	8	,	,	PUNCT
ajpdis-236	3	9	everyone	everyone	PRON
ajpdis-236	3	10	should	should	AUX
ajpdis-236	3	11	have	have	VERB
ajpdis-236	3	12	financial	financial	ADJ
ajpdis-236	3	13	literacy	literacy	NOUN
ajpdis-236	3	14	.	.	PUNCT
ajpdis-236	4	1	in	in	ADP
ajpdis-236	4	2	particular	particular	ADJ
ajpdis-236	4	3	,	,	PUNCT
ajpdis-236	4	4	low	low	ADJ
ajpdis-236	4	5	financial	financial	ADJ
ajpdis-236	4	6	literacy	literacy	NOUN
ajpdis-236	4	7	in	in	ADP
ajpdis-236	4	8	rural	rural	ADJ
ajpdis-236	4	9	areas	area	NOUN
ajpdis-236	4	10	is	be	AUX
ajpdis-236	4	11	one	one	NUM
ajpdis-236	4	12	of	of	ADP
ajpdis-236	4	13	the	the	DET
ajpdis-236	4	14	urgent	urgent	ADJ
ajpdis-236	4	15	problems	problem	NOUN
ajpdis-236	4	16	.	.	PUNCT
ajpdis-236	5	1	this	this	DET
ajpdis-236	5	2	article	article	NOUN
ajpdis-236	5	3	provides	provide	VERB
ajpdis-236	5	4	the	the	DET
ajpdis-236	5	5	necessary	necessary	ADJ
ajpdis-236	5	6	information	information	NOUN
ajpdis-236	5	7	on	on	ADP
ajpdis-236	5	8	increasing	increase	VERB
ajpdis-236	5	9	financial	financial	ADJ
ajpdis-236	5	10	literacy	literacy	NOUN
ajpdis-236	5	11	among	among	ADP
ajpdis-236	5	12	the	the	DET
ajpdis-236	5	13	population	population	NOUN
ajpdis-236	5	14	living	live	VERB
ajpdis-236	5	15	in	in	ADP
ajpdis-236	5	16	rural	rural	ADJ
ajpdis-236	5	17	areas	area	NOUN
ajpdis-236	5	18	.	.	PUNCT
ajpdis-236	6	1	key	key	ADJ
ajpdis-236	6	2	words	word	NOUN
ajpdis-236	6	3	:	:	PUNCT
ajpdis-236	6	4	market	market	NOUN
ajpdis-236	6	5	economy	economy	NOUN
ajpdis-236	6	6	,	,	PUNCT
ajpdis-236	6	7	financial	financial	ADJ
ajpdis-236	6	8	literacy	literacy	NOUN
ajpdis-236	6	9	,	,	PUNCT
ajpdis-236	6	10	consumer	consumer	NOUN
ajpdis-236	6	11	,	,	PUNCT
ajpdis-236	6	12	financial	financial	ADJ
ajpdis-236	6	13	services	service	NOUN
ajpdis-236	6	14	,	,	PUNCT
ajpdis-236	6	15	bankruptcy	bankruptcy	NOUN
ajpdis-236	6	16	.	.	PUNCT
ajpdis-236	7	1	in	in	ADP
ajpdis-236	7	2	the	the	DET
ajpdis-236	7	3	years	year	NOUN
ajpdis-236	7	4	of	of	ADP
ajpdis-236	7	5	independence	independence	NOUN
ajpdis-236	7	6	in	in	ADP
ajpdis-236	7	7	uzbekistan	uzbekistan	PROPN
ajpdis-236	7	8	,	,	PUNCT
ajpdis-236	7	9	the	the	DET
ajpdis-236	7	10	deepening	deepening	NOUN
ajpdis-236	7	11	of	of	ADP
ajpdis-236	7	12	reforms	reform	NOUN
ajpdis-236	7	13	aimed	aim	VERB
ajpdis-236	7	14	at	at	ADP
ajpdis-236	7	15	the	the	DET
ajpdis-236	7	16	formation	formation	NOUN
ajpdis-236	7	17	of	of	ADP
ajpdis-236	7	18	a	a	DET
ajpdis-236	7	19	social	social	ADJ
ajpdis-236	7	20	market	market	NOUN
ajpdis-236	7	21	economy	economy	NOUN
ajpdis-236	7	22	and	and	CCONJ
ajpdis-236	7	23	the	the	DET
ajpdis-236	7	24	requirements	requirement	NOUN
ajpdis-236	7	25	for	for	ADP
ajpdis-236	7	26	the	the	DET
ajpdis-236	7	27	modernization	modernization	NOUN
ajpdis-236	7	28	of	of	ADP
ajpdis-236	7	29	the	the	DET
ajpdis-236	7	30	economy	economy	NOUN
ajpdis-236	7	31	prove	prove	VERB
ajpdis-236	7	32	the	the	DET
ajpdis-236	7	33	need	need	NOUN
ajpdis-236	7	34	to	to	PART
ajpdis-236	7	35	form	form	VERB
ajpdis-236	7	36	and	and	CCONJ
ajpdis-236	7	37	increase	increase	VERB
ajpdis-236	7	38	the	the	DET
ajpdis-236	7	39	financial	financial	ADJ
ajpdis-236	7	40	literacy	literacy	NOUN
ajpdis-236	7	41	of	of	ADP
ajpdis-236	7	42	the	the	DET
ajpdis-236	7	43	population	population	NOUN
ajpdis-236	7	44	.	.	PUNCT
ajpdis-236	8	1	according	accord	VERB
ajpdis-236	8	2	to	to	ADP
ajpdis-236	8	3	the	the	DET
ajpdis-236	8	4	world	world	NOUN
ajpdis-236	8	5	practice	practice	NOUN
ajpdis-236	8	6	,	,	PUNCT
ajpdis-236	8	7	the	the	DET
ajpdis-236	8	8	population	population	NOUN
ajpdis-236	8	9	is	be	AUX
ajpdis-236	8	10	sufficient	sufficient	ADJ
ajpdis-236	8	11	in	in	ADP
ajpdis-236	8	12	terms	term	NOUN
ajpdis-236	8	13	of	of	ADP
ajpdis-236	8	14	proper	proper	ADJ
ajpdis-236	8	15	use	use	NOUN
ajpdis-236	8	16	of	of	ADP
ajpdis-236	8	17	their	their	PRON
ajpdis-236	8	18	funds	fund	NOUN
ajpdis-236	8	19	,	,	PUNCT
ajpdis-236	8	20	planning	planning	NOUN
ajpdis-236	8	21	of	of	ADP
ajpdis-236	8	22	their	their	PRON
ajpdis-236	8	23	expenses	expense	NOUN
ajpdis-236	8	24	and	and	CCONJ
ajpdis-236	8	25	savings	saving	NOUN
ajpdis-236	8	26	,	,	PUNCT
ajpdis-236	8	27	determination	determination	NOUN
ajpdis-236	8	28	of	of	ADP
ajpdis-236	8	29	investment	investment	NOUN
ajpdis-236	8	30	priorities	priority	NOUN
ajpdis-236	8	31	,	,	PUNCT
ajpdis-236	8	32	and	and	CCONJ
ajpdis-236	8	33	the	the	DET
ajpdis-236	8	34	accumulation	accumulation	NOUN
ajpdis-236	8	35	of	of	ADP
ajpdis-236	8	36	funds	fund	NOUN
ajpdis-236	8	37	necessary	necessary	ADJ
ajpdis-236	8	38	for	for	ADP
ajpdis-236	8	39	emergency	emergency	NOUN
ajpdis-236	8	40	situations	situation	NOUN
ajpdis-236	8	41	.	.	PUNCT
ajpdis-236	9	1	because	because	SCONJ
ajpdis-236	9	2	they	they	PRON
ajpdis-236	9	3	do	do	AUX
ajpdis-236	9	4	not	not	PART
ajpdis-236	9	5	have	have	VERB
ajpdis-236	9	6	enough	enough	ADJ
ajpdis-236	9	7	knowledge	knowledge	NOUN
ajpdis-236	9	8	and	and	CCONJ
ajpdis-236	9	9	skills	skill	NOUN
ajpdis-236	9	10	,	,	PUNCT
ajpdis-236	9	11	they	they	PRON
ajpdis-236	9	12	make	make	VERB
ajpdis-236	9	13	ineffective	ineffective	ADJ
ajpdis-236	9	14	decisions	decision	NOUN
ajpdis-236	9	15	and	and	CCONJ
ajpdis-236	9	16	can	can	AUX
ajpdis-236	9	17	not	not	PART
ajpdis-236	9	18	fully	fully	ADV
ajpdis-236	9	19	use	use	VERB
ajpdis-236	9	20	their	their	PRON
ajpdis-236	9	21	potential	potential	NOUN
ajpdis-236	9	22	and	and	CCONJ
ajpdis-236	9	23	opportunities	opportunity	NOUN
ajpdis-236	9	24	to	to	PART
ajpdis-236	9	25	improve	improve	VERB
ajpdis-236	9	26	their	their	PRON
ajpdis-236	9	27	material	material	NOUN
ajpdis-236	9	28	well	well	ADV
ajpdis-236	9	29	-	-	PUNCT
ajpdis-236	9	30	being	being	NOUN
ajpdis-236	9	31	.	.	PUNCT
ajpdis-236	10	1	it	it	PRON
ajpdis-236	10	2	is	be	AUX
ajpdis-236	10	3	necessary	necessary	ADJ
ajpdis-236	10	4	to	to	PART
ajpdis-236	10	5	introduce	introduce	VERB
ajpdis-236	10	6	a	a	DET
ajpdis-236	10	7	system	system	NOUN
ajpdis-236	10	8	of	of	ADP
ajpdis-236	10	9	financial	financial	ADJ
ajpdis-236	10	10	literacy	literacy	NOUN
ajpdis-236	10	11	of	of	ADP
ajpdis-236	10	12	the	the	DET
ajpdis-236	10	13	population	population	NOUN
ajpdis-236	10	14	in	in	ADP
ajpdis-236	10	15	order	order	NOUN
ajpdis-236	10	16	to	to	PART
ajpdis-236	10	17	increase	increase	VERB
ajpdis-236	10	18	the	the	DET
ajpdis-236	10	19	effectiveness	effectiveness	NOUN
ajpdis-236	10	20	of	of	ADP
ajpdis-236	10	21	financial	financial	ADJ
ajpdis-236	10	22	decisions	decision	NOUN
ajpdis-236	10	23	made	make	VERB
ajpdis-236	10	24	by	by	ADP
ajpdis-236	10	25	people	people	NOUN
ajpdis-236	10	26	.	.	PUNCT
ajpdis-236	11	1	for	for	ADP
ajpdis-236	11	2	the	the	DET
ajpdis-236	11	3	state	state	NOUN
ajpdis-236	11	4	,	,	PUNCT
ajpdis-236	11	5	the	the	DET
ajpdis-236	11	6	low	low	ADJ
ajpdis-236	11	7	level	level	NOUN
ajpdis-236	11	8	of	of	ADP
ajpdis-236	11	9	literacy	literacy	NOUN
ajpdis-236	11	10	of	of	ADP
ajpdis-236	11	11	the	the	DET
ajpdis-236	11	12	population	population	NOUN
ajpdis-236	11	13	,	,	PUNCT
ajpdis-236	11	14	the	the	DET
ajpdis-236	11	15	presence	presence	NOUN
ajpdis-236	11	16	of	of	ADP
ajpdis-236	11	17	obstacles	obstacle	NOUN
ajpdis-236	11	18	to	to	ADP
ajpdis-236	11	19	the	the	DET
ajpdis-236	11	20	development	development	NOUN
ajpdis-236	11	21	of	of	ADP
ajpdis-236	11	22	solvency	solvency	NOUN
ajpdis-236	11	23	reduce	reduce	VERB
ajpdis-236	11	24	the	the	DET
ajpdis-236	11	25	possibility	possibility	NOUN
ajpdis-236	11	26	of	of	ADP
ajpdis-236	11	27	financial	financial	ADJ
ajpdis-236	11	28	markets	market	NOUN
ajpdis-236	11	29	and	and	CCONJ
ajpdis-236	11	30	the	the	DET
ajpdis-236	11	31	efficiency	efficiency	NOUN
ajpdis-236	11	32	of	of	ADP
ajpdis-236	11	33	regulation	regulation	NOUN
ajpdis-236	11	34	,	,	PUNCT
ajpdis-236	11	35	limit	limit	VERB
ajpdis-236	11	36	the	the	DET
ajpdis-236	11	37	rights	right	NOUN
ajpdis-236	11	38	of	of	ADP
ajpdis-236	11	39	consumers	consumer	NOUN
ajpdis-236	11	40	,	,	PUNCT
ajpdis-236	11	41	and	and	CCONJ
ajpdis-236	11	42	prevent	prevent	VERB
ajpdis-236	11	43	the	the	DET
ajpdis-236	11	44	transition	transition	NOUN
ajpdis-236	11	45	to	to	ADP
ajpdis-236	11	46	the	the	DET
ajpdis-236	11	47	accumulated	accumulate	VERB
ajpdis-236	11	48	pension	pension	NOUN
ajpdis-236	11	49	system	system	NOUN
ajpdis-236	11	50	based	base	VERB
ajpdis-236	11	51	on	on	ADP
ajpdis-236	11	52	personal	personal	ADJ
ajpdis-236	11	53	participation	participation	NOUN
ajpdis-236	11	54	.	.	PUNCT
ajpdis-236	12	1	from	from	ADP
ajpdis-236	12	2	an	an	DET
ajpdis-236	12	3	economic	economic	ADJ
ajpdis-236	12	4	point	point	NOUN
ajpdis-236	12	5	of	of	ADP
ajpdis-236	12	6	view	view	NOUN
ajpdis-236	12	7	,	,	PUNCT
ajpdis-236	12	8	the	the	DET
ajpdis-236	12	9	insufficient	insufficient	ADJ
ajpdis-236	12	10	level	level	NOUN
ajpdis-236	12	11	of	of	ADP
ajpdis-236	12	12	knowledge	knowledge	NOUN
ajpdis-236	12	13	about	about	ADP
ajpdis-236	12	14	financial	financial	ADJ
ajpdis-236	12	15	services	service	NOUN
ajpdis-236	12	16	means	mean	VERB
ajpdis-236	12	17	a	a	DET
ajpdis-236	12	18	low	low	ADJ
ajpdis-236	12	19	level	level	NOUN
ajpdis-236	12	20	of	of	ADP
ajpdis-236	12	21	involvement	involvement	NOUN
ajpdis-236	12	22	in	in	ADP
ajpdis-236	12	23	consumption	consumption	NOUN
ajpdis-236	12	24	of	of	ADP
ajpdis-236	12	25	large	large	ADJ
ajpdis-236	12	26	segments	segment	NOUN
ajpdis-236	12	27	of	of	ADP
ajpdis-236	12	28	the	the	DET
ajpdis-236	12	29	population	population	NOUN
ajpdis-236	12	30	,	,	PUNCT
ajpdis-236	12	31	including	include	VERB
ajpdis-236	12	32	the	the	DET
ajpdis-236	12	33	middle	middle	ADJ
ajpdis-236	12	34	class	class	NOUN
ajpdis-236	12	35	,	,	PUNCT
ajpdis-236	12	36	and	and	CCONJ
ajpdis-236	12	37	limits	limit	VERB
ajpdis-236	12	38	the	the	DET
ajpdis-236	12	39	level	level	NOUN
ajpdis-236	12	40	and	and	CCONJ
ajpdis-236	12	41	quality	quality	NOUN
ajpdis-236	12	42	of	of	ADP
ajpdis-236	12	43	savings	saving	NOUN
ajpdis-236	12	44	,	,	PUNCT
ajpdis-236	12	45	investments	investment	NOUN
ajpdis-236	12	46	,	,	PUNCT
ajpdis-236	12	47	which	which	PRON
ajpdis-236	12	48	determine	determine	VERB
ajpdis-236	12	49	the	the	DET
ajpdis-236	12	50	potential	potential	NOUN
ajpdis-236	12	51	for	for	ADP
ajpdis-236	12	52	sustainable	sustainable	ADJ
ajpdis-236	12	53	economic	economic	ADJ
ajpdis-236	12	54	growth	growth	NOUN
ajpdis-236	12	55	.	.	PUNCT
ajpdis-236	13	1	high	high	ADJ
ajpdis-236	13	2	propensity	propensity	NOUN
ajpdis-236	13	3	of	of	ADP
ajpdis-236	13	4	the	the	DET
ajpdis-236	13	5	population	population	NOUN
ajpdis-236	13	6	to	to	PART
ajpdis-236	13	7	save	save	VERB
ajpdis-236	13	8	,	,	PUNCT
ajpdis-236	13	9	wide	wide	ADJ
ajpdis-236	13	10	use	use	NOUN
ajpdis-236	13	11	of	of	ADP
ajpdis-236	13	12	savings	saving	NOUN
ajpdis-236	13	13	and	and	CCONJ
ajpdis-236	13	14	insurance	insurance	NOUN
ajpdis-236	13	15	levers	lever	NOUN
ajpdis-236	13	16	implies	imply	VERB
ajpdis-236	13	17	a	a	DET
ajpdis-236	13	18	high	high	ADJ
ajpdis-236	13	19	level	level	NOUN
ajpdis-236	13	20	of	of	ADP
ajpdis-236	13	21	financial	financial	ADJ
ajpdis-236	13	22	literacy	literacy	NOUN
ajpdis-236	13	23	of	of	ADP
ajpdis-236	13	24	the	the	DET
ajpdis-236	13	25	population	population	NOUN
ajpdis-236	13	26	.	.	PUNCT
ajpdis-236	14	1	such	such	ADJ
ajpdis-236	14	2	literacy	literacy	NOUN
ajpdis-236	14	3	gives	give	VERB
ajpdis-236	14	4	the	the	DET
ajpdis-236	14	5	population	population	NOUN
ajpdis-236	14	6	the	the	DET
ajpdis-236	14	7	opportunity	opportunity	NOUN
ajpdis-236	14	8	to	to	PART
ajpdis-236	14	9	cooperate	cooperate	VERB
ajpdis-236	14	10	closely	closely	ADV
ajpdis-236	14	11	with	with	ADP
ajpdis-236	14	12	financial	financial	ADJ
ajpdis-236	14	13	institutions	institution	NOUN
ajpdis-236	14	14	,	,	PUNCT
ajpdis-236	14	15	to	to	PART
ajpdis-236	14	16	use	use	VERB
ajpdis-236	14	17	the	the	DET
ajpdis-236	14	18	services	service	NOUN
ajpdis-236	14	19	of	of	ADP
ajpdis-236	14	20	the	the	DET
ajpdis-236	14	21	banking	banking	NOUN
ajpdis-236	14	22	and	and	CCONJ
ajpdis-236	14	23	insurance	insurance	NOUN
ajpdis-236	14	24	sectors	sector	NOUN
ajpdis-236	14	25	,	,	PUNCT
ajpdis-236	14	26	and	and	CCONJ
ajpdis-236	14	27	the	the	DET
ajpdis-236	14	28	pension	pension	NOUN
ajpdis-236	14	29	insurance	insurance	NOUN
ajpdis-236	14	30	system	system	NOUN
ajpdis-236	14	31	on	on	ADP
ajpdis-236	14	32	a	a	DET
ajpdis-236	14	33	large	large	ADJ
ajpdis-236	14	34	scale	scale	NOUN
ajpdis-236	14	35	and	and	CCONJ
ajpdis-236	14	36	efficiently	efficiently	ADV
ajpdis-236	14	37	.	.	PUNCT
ajpdis-236	15	1	by	by	ADP
ajpdis-236	15	2	increasing	increase	VERB
ajpdis-236	15	3	their	their	PRON
ajpdis-236	15	4	financial	financial	ADJ
ajpdis-236	15	5	literacy	literacy	NOUN
ajpdis-236	15	6	,	,	PUNCT
ajpdis-236	15	7	middle	middle	ADJ
ajpdis-236	15	8	-	-	PUNCT
ajpdis-236	15	9	class	class	NOUN
ajpdis-236	15	10	households	household	NOUN
ajpdis-236	15	11	effectively	effectively	ADV
ajpdis-236	15	12	use	use	VERB
ajpdis-236	15	13	their	their	PRON
ajpdis-236	15	14	personal	personal	ADJ
ajpdis-236	15	15	budgets	budget	NOUN
ajpdis-236	15	16	,	,	PUNCT
ajpdis-236	15	17	2	2	NUM
ajpdis-236	15	18	american	american	ADJ
ajpdis-236	15	19	journal	journal	NOUN
ajpdis-236	15	20	of	of	ADP
ajpdis-236	15	21	public	public	ADJ
ajpdis-236	15	22	diplomacy	diplomacy	NOUN
ajpdis-236	15	23	and	and	CCONJ
ajpdis-236	15	24	international	international	ADJ
ajpdis-236	15	25	studies	study	NOUN
ajpdis-236	15	26	www	www	PROPN
ajpdis-236	15	27	.	.	PUNCT
ajpdis-236	16	1	grnjournal.us	grnjournal.us	X
ajpdis-236	16	2	make	make	VERB
ajpdis-236	16	3	personal	personal	ADJ
ajpdis-236	16	4	financial	financial	ADJ
ajpdis-236	16	5	decisions	decision	NOUN
ajpdis-236	16	6	based	base	VERB
ajpdis-236	16	7	on	on	ADP
ajpdis-236	16	8	their	their	PRON
ajpdis-236	16	9	long	long	ADJ
ajpdis-236	16	10	-	-	PUNCT
ajpdis-236	16	11	term	term	NOUN
ajpdis-236	16	12	goals	goal	NOUN
ajpdis-236	16	13	,	,	PUNCT
ajpdis-236	16	14	avoid	avoid	VERB
ajpdis-236	16	15	excessive	excessive	ADJ
ajpdis-236	16	16	personal	personal	ADJ
ajpdis-236	16	17	debt	debt	NOUN
ajpdis-236	16	18	levels	level	NOUN
ajpdis-236	16	19	,	,	PUNCT
ajpdis-236	16	20	differentiate	differentiate	VERB
ajpdis-236	16	21	between	between	ADP
ajpdis-236	16	22	the	the	DET
ajpdis-236	16	23	services	service	NOUN
ajpdis-236	16	24	and	and	CCONJ
ajpdis-236	16	25	products	product	NOUN
ajpdis-236	16	26	offered	offer	VERB
ajpdis-236	16	27	by	by	ADP
ajpdis-236	16	28	financial	financial	ADJ
ajpdis-236	16	29	institutions	institution	NOUN
ajpdis-236	16	30	,	,	PUNCT
ajpdis-236	16	31	and	and	CCONJ
ajpdis-236	16	32	reduce	reduce	VERB
ajpdis-236	16	33	excess	excess	ADJ
ajpdis-236	16	34	risk	risk	NOUN
ajpdis-236	16	35	.	.	PUNCT
ajpdis-236	17	1	risks	risk	NOUN
ajpdis-236	17	2	are	be	AUX
ajpdis-236	17	3	avoided	avoid	VERB
ajpdis-236	17	4	.	.	PUNCT
ajpdis-236	18	1	this	this	PRON
ajpdis-236	18	2	reflects	reflect	VERB
ajpdis-236	18	3	the	the	DET
ajpdis-236	18	4	importance	importance	NOUN
ajpdis-236	18	5	of	of	ADP
ajpdis-236	18	6	financial	financial	ADJ
ajpdis-236	18	7	literacy	literacy	NOUN
ajpdis-236	18	8	in	in	ADP
ajpdis-236	18	9	the	the	DET
ajpdis-236	18	10	country	country	NOUN
ajpdis-236	18	11	's	's	PART
ajpdis-236	18	12	long	long	ADJ
ajpdis-236	18	13	-	-	PUNCT
ajpdis-236	18	14	term	term	NOUN
ajpdis-236	18	15	socio	socio	NOUN
ajpdis-236	18	16	-	-	PUNCT
ajpdis-236	18	17	economic	economic	ADJ
ajpdis-236	18	18	development	development	NOUN
ajpdis-236	18	19	.	.	PUNCT
ajpdis-236	19	1	in	in	ADP
ajpdis-236	19	2	the	the	DET
ajpdis-236	19	3	last	last	ADJ
ajpdis-236	19	4	decade	decade	NOUN
ajpdis-236	19	5	,	,	PUNCT
ajpdis-236	19	6	the	the	DET
ajpdis-236	19	7	expansion	expansion	NOUN
ajpdis-236	19	8	of	of	ADP
ajpdis-236	19	9	the	the	DET
ajpdis-236	19	10	consumer	consumer	NOUN
ajpdis-236	19	11	sector	sector	NOUN
ajpdis-236	19	12	in	in	ADP
ajpdis-236	19	13	the	the	DET
ajpdis-236	19	14	financial	financial	ADJ
ajpdis-236	19	15	market	market	NOUN
ajpdis-236	19	16	,	,	PUNCT
ajpdis-236	19	17	the	the	DET
ajpdis-236	19	18	increase	increase	NOUN
ajpdis-236	19	19	in	in	ADP
ajpdis-236	19	20	the	the	DET
ajpdis-236	19	21	types	type	NOUN
ajpdis-236	19	22	and	and	CCONJ
ajpdis-236	19	23	complexity	complexity	NOUN
ajpdis-236	19	24	of	of	ADP
ajpdis-236	19	25	financial	financial	ADJ
ajpdis-236	19	26	products	product	NOUN
ajpdis-236	19	27	,	,	PUNCT
ajpdis-236	19	28	the	the	DET
ajpdis-236	19	29	growth	growth	NOUN
ajpdis-236	19	30	of	of	ADP
ajpdis-236	19	31	the	the	DET
ajpdis-236	19	32	population	population	NOUN
ajpdis-236	19	33	's	's	PART
ajpdis-236	19	34	income	income	NOUN
ajpdis-236	19	35	and	and	CCONJ
ajpdis-236	19	36	gross	gross	ADJ
ajpdis-236	19	37	savings	saving	NOUN
ajpdis-236	19	38	reflect	reflect	VERB
ajpdis-236	19	39	the	the	DET
ajpdis-236	19	40	increased	increase	VERB
ajpdis-236	19	41	personal	personal	ADJ
ajpdis-236	19	42	responsibility	responsibility	NOUN
ajpdis-236	19	43	in	in	ADP
ajpdis-236	19	44	the	the	DET
ajpdis-236	19	45	financial	financial	ADJ
ajpdis-236	19	46	decisions	decision	NOUN
ajpdis-236	19	47	made	make	VERB
ajpdis-236	19	48	by	by	ADP
ajpdis-236	19	49	the	the	DET
ajpdis-236	19	50	population	population	NOUN
ajpdis-236	19	51	.	.	PUNCT
ajpdis-236	20	1	this	this	DET
ajpdis-236	20	2	situation	situation	NOUN
ajpdis-236	20	3	also	also	ADV
ajpdis-236	20	4	shows	show	VERB
ajpdis-236	20	5	the	the	DET
ajpdis-236	20	6	urgency	urgency	NOUN
ajpdis-236	20	7	of	of	ADP
ajpdis-236	20	8	the	the	DET
ajpdis-236	20	9	problem	problem	NOUN
ajpdis-236	20	10	of	of	ADP
ajpdis-236	20	11	increasing	increase	VERB
ajpdis-236	20	12	the	the	DET
ajpdis-236	20	13	financial	financial	ADJ
ajpdis-236	20	14	literacy	literacy	NOUN
ajpdis-236	20	15	of	of	ADP
ajpdis-236	20	16	the	the	DET
ajpdis-236	20	17	population	population	NOUN
ajpdis-236	20	18	.	.	PUNCT
ajpdis-236	21	1	according	accord	VERB
ajpdis-236	21	2	to	to	ADP
ajpdis-236	21	3	world	world	NOUN
ajpdis-236	21	4	practice	practice	NOUN
ajpdis-236	21	5	,	,	PUNCT
ajpdis-236	21	6	a	a	DET
ajpdis-236	21	7	financially	financially	ADV
ajpdis-236	21	8	literate	literate	ADJ
ajpdis-236	21	9	person	person	NOUN
ajpdis-236	21	10	has	have	VERB
ajpdis-236	21	11	the	the	DET
ajpdis-236	21	12	following	following	ADJ
ajpdis-236	21	13	advantages	advantage	NOUN
ajpdis-236	21	14	:	:	PUNCT
ajpdis-236	21	15	ability	ability	NOUN
ajpdis-236	21	16	to	to	PART
ajpdis-236	21	17	make	make	VERB
ajpdis-236	21	18	correct	correct	ADJ
ajpdis-236	21	19	decisions	decision	NOUN
ajpdis-236	21	20	about	about	ADP
ajpdis-236	21	21	money	money	NOUN
ajpdis-236	21	22	and	and	CCONJ
ajpdis-236	21	23	prices	price	NOUN
ajpdis-236	21	24	;	;	PUNCT
ajpdis-236	21	25	to	to	PART
ajpdis-236	21	26	have	have	VERB
ajpdis-236	21	27	the	the	DET
ajpdis-236	21	28	ability	ability	NOUN
ajpdis-236	21	29	to	to	PART
ajpdis-236	21	30	rationally	rationally	ADV
ajpdis-236	21	31	manage	manage	VERB
ajpdis-236	21	32	one	one	NUM
ajpdis-236	21	33	's	's	PART
ajpdis-236	21	34	family	family	NOUN
ajpdis-236	21	35	budget	budget	NOUN
ajpdis-236	21	36	;	;	PUNCT
ajpdis-236	21	37	to	to	PART
ajpdis-236	21	38	acquire	acquire	VERB
ajpdis-236	21	39	the	the	DET
ajpdis-236	21	40	skills	skill	NOUN
ajpdis-236	21	41	of	of	ADP
ajpdis-236	21	42	effective	effective	ADJ
ajpdis-236	21	43	management	management	NOUN
ajpdis-236	21	44	of	of	ADP
ajpdis-236	21	45	financial	financial	ADJ
ajpdis-236	21	46	assets	asset	NOUN
ajpdis-236	21	47	and	and	CCONJ
ajpdis-236	21	48	expenses	expense	NOUN
ajpdis-236	21	49	;	;	PUNCT
ajpdis-236	21	50	fulfill	fulfill	VERB
ajpdis-236	21	51	their	their	PRON
ajpdis-236	21	52	financial	financial	ADJ
ajpdis-236	21	53	obligations	obligation	NOUN
ajpdis-236	21	54	within	within	ADP
ajpdis-236	21	55	the	the	DET
ajpdis-236	21	56	specified	specified	ADJ
ajpdis-236	21	57	period	period	NOUN
ajpdis-236	21	58	;	;	PUNCT
ajpdis-236	21	59	an	an	DET
ajpdis-236	21	60	increase	increase	NOUN
ajpdis-236	21	61	in	in	ADP
ajpdis-236	21	62	the	the	DET
ajpdis-236	21	63	number	number	NOUN
ajpdis-236	21	64	of	of	ADP
ajpdis-236	21	65	levers	lever	NOUN
ajpdis-236	21	66	used	use	VERB
ajpdis-236	21	67	in	in	ADP
ajpdis-236	21	68	the	the	DET
ajpdis-236	21	69	implementation	implementation	NOUN
ajpdis-236	21	70	of	of	ADP
ajpdis-236	21	71	personal	personal	ADJ
ajpdis-236	21	72	savings	saving	NOUN
ajpdis-236	21	73	and	and	CCONJ
ajpdis-236	21	74	investments	investment	NOUN
ajpdis-236	21	75	based	base	VERB
ajpdis-236	21	76	on	on	ADP
ajpdis-236	21	77	the	the	DET
ajpdis-236	21	78	wide	wide	ADJ
ajpdis-236	21	79	use	use	NOUN
ajpdis-236	21	80	of	of	ADP
ajpdis-236	21	81	financial	financial	ADJ
ajpdis-236	21	82	services	service	NOUN
ajpdis-236	21	83	;	;	PUNCT
ajpdis-236	21	84	flexible	flexible	ADJ
ajpdis-236	21	85	approach	approach	NOUN
ajpdis-236	21	86	to	to	ADP
ajpdis-236	21	87	changes	change	NOUN
ajpdis-236	21	88	in	in	ADP
ajpdis-236	21	89	living	living	NOUN
ajpdis-236	21	90	standards	standard	NOUN
ajpdis-236	21	91	.	.	PUNCT
ajpdis-236	22	1	at	at	ADP
ajpdis-236	22	2	a	a	DET
ajpdis-236	22	3	time	time	NOUN
ajpdis-236	22	4	when	when	SCONJ
ajpdis-236	22	5	financial	financial	ADJ
ajpdis-236	22	6	services	service	NOUN
ajpdis-236	22	7	are	be	AUX
ajpdis-236	22	8	difficult	difficult	ADJ
ajpdis-236	22	9	to	to	PART
ajpdis-236	22	10	define	define	VERB
ajpdis-236	22	11	and	and	CCONJ
ajpdis-236	22	12	describe	describe	VERB
ajpdis-236	22	13	,	,	PUNCT
ajpdis-236	22	14	consumers	consumer	NOUN
ajpdis-236	22	15	are	be	AUX
ajpdis-236	22	16	beginning	begin	VERB
ajpdis-236	22	17	to	to	PART
ajpdis-236	22	18	have	have	VERB
ajpdis-236	22	19	problems	problem	NOUN
ajpdis-236	22	20	that	that	PRON
ajpdis-236	22	21	need	need	VERB
ajpdis-236	22	22	to	to	PART
ajpdis-236	22	23	be	be	AUX
ajpdis-236	22	24	solved	solve	VERB
ajpdis-236	22	25	,	,	PUNCT
ajpdis-236	22	26	and	and	CCONJ
ajpdis-236	22	27	the	the	DET
ajpdis-236	22	28	consumer	consumer	NOUN
ajpdis-236	22	29	does	do	AUX
ajpdis-236	22	30	not	not	PART
ajpdis-236	22	31	always	always	ADV
ajpdis-236	22	32	have	have	VERB
ajpdis-236	22	33	enough	enough	ADJ
ajpdis-236	22	34	knowledge	knowledge	NOUN
ajpdis-236	22	35	and	and	CCONJ
ajpdis-236	22	36	skills	skill	NOUN
ajpdis-236	22	37	to	to	PART
ajpdis-236	22	38	solve	solve	VERB
ajpdis-236	22	39	these	these	DET
ajpdis-236	22	40	problems	problem	NOUN
ajpdis-236	22	41	.	.	PUNCT
ajpdis-236	23	1	does	do	VERB
ajpdis-236	23	2	n't	not	PART
ajpdis-236	23	3	.	.	PUNCT
ajpdis-236	24	1	in	in	ADP
ajpdis-236	24	2	most	most	ADJ
ajpdis-236	24	3	cases	case	NOUN
ajpdis-236	24	4	,	,	PUNCT
ajpdis-236	24	5	this	this	DET
ajpdis-236	24	6	process	process	NOUN
ajpdis-236	24	7	is	be	AUX
ajpdis-236	24	8	related	relate	VERB
ajpdis-236	24	9	to	to	ADP
ajpdis-236	24	10	the	the	DET
ajpdis-236	24	11	lack	lack	NOUN
ajpdis-236	24	12	of	of	ADP
ajpdis-236	24	13	financial	financial	ADJ
ajpdis-236	24	14	knowledge	knowledge	NOUN
ajpdis-236	24	15	of	of	ADP
ajpdis-236	24	16	the	the	DET
ajpdis-236	24	17	population	population	NOUN
ajpdis-236	24	18	,	,	PUNCT
ajpdis-236	24	19	especially	especially	ADV
ajpdis-236	24	20	the	the	DET
ajpdis-236	24	21	rural	rural	ADJ
ajpdis-236	24	22	population	population	NOUN
ajpdis-236	24	23	,	,	PUNCT
ajpdis-236	24	24	insufficient	insufficient	ADJ
ajpdis-236	24	25	information	information	NOUN
ajpdis-236	24	26	on	on	ADP
ajpdis-236	24	27	family	family	NOUN
ajpdis-236	24	28	budget	budget	NOUN
ajpdis-236	24	29	planning	planning	NOUN
ajpdis-236	24	30	,	,	PUNCT
ajpdis-236	24	31	and	and	CCONJ
ajpdis-236	24	32	inability	inability	NOUN
ajpdis-236	24	33	to	to	PART
ajpdis-236	24	34	fully	fully	ADV
ajpdis-236	24	35	and	and	CCONJ
ajpdis-236	24	36	effectively	effectively	ADV
ajpdis-236	24	37	use	use	VERB
ajpdis-236	24	38	financial	financial	ADJ
ajpdis-236	24	39	services	service	NOUN
ajpdis-236	24	40	.	.	PUNCT
ajpdis-236	25	1	world	world	NOUN
ajpdis-236	25	2	practice	practice	NOUN
ajpdis-236	25	3	shows	show	VERB
ajpdis-236	25	4	that	that	SCONJ
ajpdis-236	25	5	many	many	ADJ
ajpdis-236	25	6	people	people	NOUN
ajpdis-236	25	7	are	be	AUX
ajpdis-236	25	8	not	not	PART
ajpdis-236	25	9	enough	enough	ADJ
ajpdis-236	25	10	in	in	ADP
ajpdis-236	25	11	terms	term	NOUN
ajpdis-236	25	12	of	of	ADP
ajpdis-236	25	13	being	be	AUX
ajpdis-236	25	14	able	able	ADJ
ajpdis-236	25	15	to	to	PART
ajpdis-236	25	16	use	use	VERB
ajpdis-236	25	17	their	their	PRON
ajpdis-236	25	18	money	money	NOUN
ajpdis-236	25	19	properly	properly	ADV
ajpdis-236	25	20	,	,	PUNCT
ajpdis-236	25	21	planning	plan	VERB
ajpdis-236	25	22	their	their	PRON
ajpdis-236	25	23	expenses	expense	NOUN
ajpdis-236	25	24	and	and	CCONJ
ajpdis-236	25	25	savings	saving	NOUN
ajpdis-236	25	26	,	,	PUNCT
ajpdis-236	25	27	determining	determine	VERB
ajpdis-236	25	28	investment	investment	NOUN
ajpdis-236	25	29	priorities	priority	NOUN
ajpdis-236	25	30	,	,	PUNCT
ajpdis-236	25	31	and	and	CCONJ
ajpdis-236	25	32	saving	save	VERB
ajpdis-236	25	33	money	money	NOUN
ajpdis-236	25	34	for	for	ADP
ajpdis-236	25	35	emergency	emergency	NOUN
ajpdis-236	25	36	situations	situation	NOUN
ajpdis-236	25	37	.	.	PUNCT
ajpdis-236	26	1	because	because	SCONJ
ajpdis-236	26	2	they	they	PRON
ajpdis-236	26	3	do	do	AUX
ajpdis-236	26	4	not	not	PART
ajpdis-236	26	5	have	have	VERB
ajpdis-236	26	6	enough	enough	ADJ
ajpdis-236	26	7	knowledge	knowledge	NOUN
ajpdis-236	26	8	and	and	CCONJ
ajpdis-236	26	9	skills	skill	NOUN
ajpdis-236	26	10	,	,	PUNCT
ajpdis-236	26	11	they	they	PRON
ajpdis-236	26	12	make	make	VERB
ajpdis-236	26	13	ineffective	ineffective	ADJ
ajpdis-236	26	14	decisions	decision	NOUN
ajpdis-236	26	15	and	and	CCONJ
ajpdis-236	26	16	can	can	AUX
ajpdis-236	26	17	not	not	PART
ajpdis-236	26	18	fully	fully	ADV
ajpdis-236	26	19	use	use	VERB
ajpdis-236	26	20	the	the	DET
ajpdis-236	26	21	potential	potential	NOUN
ajpdis-236	26	22	to	to	PART
ajpdis-236	26	23	increase	increase	VERB
ajpdis-236	26	24	their	their	PRON
ajpdis-236	26	25	material	material	NOUN
ajpdis-236	26	26	well	well	ADV
ajpdis-236	26	27	-	-	PUNCT
ajpdis-236	26	28	being	being	NOUN
ajpdis-236	26	29	.	.	PUNCT
ajpdis-236	27	1	it	it	PRON
ajpdis-236	27	2	is	be	AUX
ajpdis-236	27	3	necessary	necessary	ADJ
ajpdis-236	27	4	to	to	PART
ajpdis-236	27	5	introduce	introduce	VERB
ajpdis-236	27	6	a	a	DET
ajpdis-236	27	7	system	system	NOUN
ajpdis-236	27	8	of	of	ADP
ajpdis-236	27	9	financial	financial	ADJ
ajpdis-236	27	10	literacy	literacy	NOUN
ajpdis-236	27	11	of	of	ADP
ajpdis-236	27	12	the	the	DET
ajpdis-236	27	13	population	population	NOUN
ajpdis-236	27	14	in	in	ADP
ajpdis-236	27	15	order	order	NOUN
ajpdis-236	27	16	to	to	PART
ajpdis-236	27	17	increase	increase	VERB
ajpdis-236	27	18	the	the	DET
ajpdis-236	27	19	efficiency	efficiency	NOUN
ajpdis-236	27	20	of	of	ADP
ajpdis-236	27	21	financial	financial	ADJ
ajpdis-236	27	22	decisions	decision	NOUN
ajpdis-236	27	23	made	make	VERB
ajpdis-236	27	24	by	by	ADP
ajpdis-236	27	25	people	people	NOUN
ajpdis-236	27	26	.	.	PUNCT
ajpdis-236	28	1	the	the	DET
ajpdis-236	28	2	relevance	relevance	NOUN
ajpdis-236	28	3	of	of	ADP
ajpdis-236	28	4	increasing	increase	VERB
ajpdis-236	28	5	the	the	DET
ajpdis-236	28	6	level	level	NOUN
ajpdis-236	28	7	of	of	ADP
ajpdis-236	28	8	financial	financial	ADJ
ajpdis-236	28	9	literacy	literacy	NOUN
ajpdis-236	28	10	of	of	ADP
ajpdis-236	28	11	the	the	DET
ajpdis-236	28	12	population	population	NOUN
ajpdis-236	28	13	is	be	AUX
ajpdis-236	28	14	determined	determine	VERB
ajpdis-236	28	15	by	by	ADP
ajpdis-236	28	16	the	the	DET
ajpdis-236	28	17	following	following	ADJ
ajpdis-236	28	18	reasons	reason	NOUN
ajpdis-236	28	19	:	:	PUNCT
ajpdis-236	28	20	1	1	X
ajpdis-236	28	21	.	.	X
ajpdis-236	28	22	changes	change	NOUN
ajpdis-236	28	23	in	in	ADP
ajpdis-236	28	24	the	the	DET
ajpdis-236	28	25	structure	structure	NOUN
ajpdis-236	28	26	of	of	ADP
ajpdis-236	28	27	income	income	NOUN
ajpdis-236	28	28	sources	source	NOUN
ajpdis-236	28	29	of	of	ADP
ajpdis-236	28	30	the	the	DET
ajpdis-236	28	31	population	population	NOUN
ajpdis-236	28	32	.	.	PUNCT
ajpdis-236	29	1	the	the	DET
ajpdis-236	29	2	increasing	increase	VERB
ajpdis-236	29	3	share	share	NOUN
ajpdis-236	29	4	of	of	ADP
ajpdis-236	29	5	income	income	NOUN
ajpdis-236	29	6	from	from	ADP
ajpdis-236	29	7	small	small	ADJ
ajpdis-236	29	8	business	business	NOUN
ajpdis-236	29	9	,	,	PUNCT
ajpdis-236	29	10	family	family	NOUN
ajpdis-236	29	11	and	and	CCONJ
ajpdis-236	29	12	individual	individual	ADJ
ajpdis-236	29	13	entrepreneurship	entrepreneurship	NOUN
ajpdis-236	29	14	in	in	ADP
ajpdis-236	29	15	the	the	DET
ajpdis-236	29	16	structure	structure	NOUN
ajpdis-236	29	17	of	of	ADP
ajpdis-236	29	18	population	population	NOUN
ajpdis-236	29	19	income	income	NOUN
ajpdis-236	29	20	leads	lead	VERB
ajpdis-236	29	21	to	to	ADP
ajpdis-236	29	22	a	a	DET
ajpdis-236	29	23	sharp	sharp	ADJ
ajpdis-236	29	24	increase	increase	NOUN
ajpdis-236	29	25	in	in	ADP
ajpdis-236	29	26	the	the	DET
ajpdis-236	29	27	need	need	NOUN
ajpdis-236	29	28	for	for	ADP
ajpdis-236	29	29	effective	effective	ADJ
ajpdis-236	29	30	management	management	NOUN
ajpdis-236	29	31	of	of	ADP
ajpdis-236	29	32	savings	saving	NOUN
ajpdis-236	29	33	and	and	CCONJ
ajpdis-236	29	34	investments	investment	NOUN
ajpdis-236	29	35	and	and	CCONJ
ajpdis-236	29	36	proper	proper	ADJ
ajpdis-236	29	37	planning	planning	NOUN
ajpdis-236	29	38	of	of	ADP
ajpdis-236	29	39	expenses	expense	NOUN
ajpdis-236	29	40	.	.	PUNCT
ajpdis-236	30	1	2	2	X
ajpdis-236	30	2	.	.	X
ajpdis-236	30	3	the	the	DET
ajpdis-236	30	4	emergence	emergence	NOUN
ajpdis-236	30	5	of	of	ADP
ajpdis-236	30	6	a	a	DET
ajpdis-236	30	7	large	large	ADJ
ajpdis-236	30	8	number	number	NOUN
ajpdis-236	30	9	of	of	ADP
ajpdis-236	30	10	private	private	ADJ
ajpdis-236	30	11	entrepreneurs	entrepreneur	NOUN
ajpdis-236	30	12	.	.	PUNCT
ajpdis-236	31	1	such	such	ADJ
ajpdis-236	31	2	entrepreneurs	entrepreneur	NOUN
ajpdis-236	31	3	solve	solve	VERB
ajpdis-236	31	4	various	various	ADJ
ajpdis-236	31	5	management	management	NOUN
ajpdis-236	31	6	issues	issue	NOUN
ajpdis-236	31	7	in	in	ADP
ajpdis-236	31	8	their	their	PRON
ajpdis-236	31	9	daily	daily	ADJ
ajpdis-236	31	10	work	work	NOUN
ajpdis-236	31	11	:	:	PUNCT
ajpdis-236	31	12	managing	manage	VERB
ajpdis-236	31	13	financial	financial	ADJ
ajpdis-236	31	14	flows	flow	NOUN
ajpdis-236	31	15	and	and	CCONJ
ajpdis-236	31	16	material	material	NOUN
ajpdis-236	31	17	assets	asset	NOUN
ajpdis-236	31	18	,	,	PUNCT
ajpdis-236	31	19	financial	financial	ADJ
ajpdis-236	31	20	accounting	accounting	NOUN
ajpdis-236	31	21	,	,	PUNCT
ajpdis-236	31	22	planning	planning	NOUN
ajpdis-236	31	23	income	income	NOUN
ajpdis-236	31	24	and	and	CCONJ
ajpdis-236	31	25	expenses	expense	NOUN
ajpdis-236	31	26	,	,	PUNCT
ajpdis-236	31	27	forming	form	VERB
ajpdis-236	31	28	insurance	insurance	NOUN
ajpdis-236	31	29	funds	fund	NOUN
ajpdis-236	31	30	,	,	PUNCT
ajpdis-236	31	31	optimizing	optimize	VERB
ajpdis-236	31	32	the	the	DET
ajpdis-236	31	33	purchase	purchase	NOUN
ajpdis-236	31	34	of	of	ADP
ajpdis-236	31	35	material	material	ADJ
ajpdis-236	31	36	resources	resource	NOUN
ajpdis-236	31	37	,	,	PUNCT
ajpdis-236	31	38	using	use	VERB
ajpdis-236	31	39	banking	banking	NOUN
ajpdis-236	31	40	services	service	NOUN
ajpdis-236	31	41	,	,	PUNCT
ajpdis-236	31	42	investing	invest	VERB
ajpdis-236	31	43	savings	saving	NOUN
ajpdis-236	31	44	,	,	PUNCT
ajpdis-236	31	45	obtaining	obtain	VERB
ajpdis-236	31	46	loans	loan	NOUN
ajpdis-236	31	47	,	,	PUNCT
ajpdis-236	31	48	such	such	ADJ
ajpdis-236	31	49	as	as	ADP
ajpdis-236	31	50	debt	debt	NOUN
ajpdis-236	31	51	management	management	NOUN
ajpdis-236	31	52	.	.	PUNCT
ajpdis-236	32	1	3	3	X
ajpdis-236	32	2	.	.	X
ajpdis-236	32	3	sharp	sharp	ADJ
ajpdis-236	32	4	increase	increase	NOUN
ajpdis-236	32	5	in	in	ADP
ajpdis-236	32	6	long	long	ADJ
ajpdis-236	32	7	-	-	PUNCT
ajpdis-236	32	8	term	term	NOUN
ajpdis-236	32	9	savings	saving	NOUN
ajpdis-236	32	10	and	and	CCONJ
ajpdis-236	32	11	loans	loan	NOUN
ajpdis-236	32	12	.	.	PUNCT
ajpdis-236	33	1	in	in	ADP
ajpdis-236	33	2	the	the	DET
ajpdis-236	33	3	conditions	condition	NOUN
ajpdis-236	33	4	of	of	ADP
ajpdis-236	33	5	the	the	DET
ajpdis-236	33	6	market	market	NOUN
ajpdis-236	33	7	economy	economy	NOUN
ajpdis-236	33	8	,	,	PUNCT
ajpdis-236	33	9	the	the	DET
ajpdis-236	33	10	population	population	NOUN
ajpdis-236	33	11	should	should	AUX
ajpdis-236	33	12	independently	independently	ADV
ajpdis-236	33	13	implement	implement	VERB
ajpdis-236	33	14	the	the	DET
ajpdis-236	33	15	following	follow	VERB
ajpdis-236	33	16	functions	function	NOUN
ajpdis-236	33	17	of	of	ADP
ajpdis-236	33	18	savings	saving	NOUN
ajpdis-236	33	19	:	:	PUNCT
ajpdis-236	33	20	implementation	implementation	NOUN
ajpdis-236	33	21	of	of	ADP
ajpdis-236	33	22	additional	additional	ADJ
ajpdis-236	33	23	pension	pension	NOUN
ajpdis-236	33	24	funds	fund	NOUN
ajpdis-236	33	25	,	,	PUNCT
ajpdis-236	33	26	savings	saving	NOUN
ajpdis-236	33	27	to	to	PART
ajpdis-236	33	28	pay	pay	VERB
ajpdis-236	33	29	for	for	ADP
ajpdis-236	33	30	medical	medical	ADJ
ajpdis-236	33	31	and	and	CCONJ
ajpdis-236	33	32	educational	educational	ADJ
ajpdis-236	33	33	services	service	NOUN
ajpdis-236	33	34	.	.	PUNCT
ajpdis-236	34	1	the	the	DET
ajpdis-236	34	2	above	above	ADJ
ajpdis-236	34	3	situations	situation	NOUN
ajpdis-236	34	4	require	require	VERB
ajpdis-236	34	5	long	long	ADJ
ajpdis-236	34	6	-	-	PUNCT
ajpdis-236	34	7	term	term	NOUN
ajpdis-236	34	8	planning	planning	NOUN
ajpdis-236	34	9	of	of	ADP
ajpdis-236	34	10	the	the	DET
ajpdis-236	34	11	family	family	NOUN
ajpdis-236	34	12	budget	budget	NOUN
ajpdis-236	34	13	,	,	PUNCT
ajpdis-236	34	14	assessment	assessment	NOUN
ajpdis-236	34	15	and	and	CCONJ
ajpdis-236	34	16	management	management	NOUN
ajpdis-236	34	17	of	of	ADP
ajpdis-236	34	18	risks	risk	NOUN
ajpdis-236	34	19	through	through	ADP
ajpdis-236	34	20	financial	financial	ADJ
ajpdis-236	34	21	tools	tool	NOUN
ajpdis-236	34	22	(	(	PUNCT
ajpdis-236	34	23	insurance	insurance	NOUN
ajpdis-236	34	24	,	,	PUNCT
ajpdis-236	34	25	pension	pension	NOUN
ajpdis-236	34	26	funds	fund	NOUN
ajpdis-236	34	27	,	,	PUNCT
ajpdis-236	34	28	bank	bank	NOUN
ajpdis-236	34	29	deposits	deposit	NOUN
ajpdis-236	34	30	and	and	CCONJ
ajpdis-236	34	31	securities	security	NOUN
ajpdis-236	34	32	investments	investment	NOUN
ajpdis-236	34	33	)	)	PUNCT
ajpdis-236	34	34	.	.	PUNCT
ajpdis-236	35	1	thus	thus	ADV
ajpdis-236	35	2	,	,	PUNCT
ajpdis-236	35	3	formation	formation	NOUN
ajpdis-236	35	4	of	of	ADP
ajpdis-236	35	5	long	long	ADJ
ajpdis-236	35	6	-	-	PUNCT
ajpdis-236	35	7	term	term	NOUN
ajpdis-236	35	8	savings	saving	NOUN
ajpdis-236	35	9	and	and	CCONJ
ajpdis-236	35	10	training	training	NOUN
ajpdis-236	35	11	in	in	ADP
ajpdis-236	35	12	the	the	DET
ajpdis-236	35	13	skills	skill	NOUN
ajpdis-236	35	14	of	of	ADP
ajpdis-236	35	15	obtaining	obtain	VERB
ajpdis-236	35	16	credit	credit	NOUN
ajpdis-236	35	17	is	be	AUX
ajpdis-236	35	18	an	an	DET
ajpdis-236	35	19	important	important	ADJ
ajpdis-236	35	20	function	function	NOUN
ajpdis-236	35	21	of	of	ADP
ajpdis-236	35	22	financial	financial	ADJ
ajpdis-236	35	23	literacy	literacy	NOUN
ajpdis-236	35	24	of	of	ADP
ajpdis-236	35	25	the	the	DET
ajpdis-236	35	26	population	population	NOUN
ajpdis-236	35	27	.	.	PUNCT
ajpdis-236	36	1	4	4	X
ajpdis-236	36	2	.	.	X
ajpdis-236	36	3	expansion	expansion	NOUN
ajpdis-236	36	4	of	of	ADP
ajpdis-236	36	5	opportunities	opportunity	NOUN
ajpdis-236	36	6	to	to	PART
ajpdis-236	36	7	invest	invest	VERB
ajpdis-236	36	8	personal	personal	ADJ
ajpdis-236	36	9	savings	saving	NOUN
ajpdis-236	36	10	and	and	CCONJ
ajpdis-236	36	11	manage	manage	VERB
ajpdis-236	36	12	material	material	ADJ
ajpdis-236	36	13	assets	asset	NOUN
ajpdis-236	36	14	.	.	PUNCT
ajpdis-236	37	1	in	in	ADP
ajpdis-236	37	2	the	the	DET
ajpdis-236	37	3	conditions	condition	NOUN
ajpdis-236	37	4	of	of	ADP
ajpdis-236	37	5	the	the	DET
ajpdis-236	37	6	market	market	NOUN
ajpdis-236	37	7	economy	economy	NOUN
ajpdis-236	37	8	,	,	PUNCT
ajpdis-236	37	9	there	there	PRON
ajpdis-236	37	10	are	be	VERB
ajpdis-236	37	11	various	various	ADJ
ajpdis-236	37	12	alternative	alternative	ADJ
ajpdis-236	37	13	methods	method	NOUN
ajpdis-236	37	14	of	of	ADP
ajpdis-236	37	15	realization	realization	NOUN
ajpdis-236	37	16	of	of	ADP
ajpdis-236	37	17	population	population	NOUN
ajpdis-236	37	18	savings	saving	NOUN
ajpdis-236	37	19	and	and	CCONJ
ajpdis-236	37	20	investments	investment	NOUN
ajpdis-236	37	21	.	.	PUNCT
ajpdis-236	38	1	in	in	ADP
ajpdis-236	38	2	order	order	NOUN
ajpdis-236	38	3	to	to	PART
ajpdis-236	38	4	effectively	effectively	ADV
ajpdis-236	38	5	use	use	VERB
ajpdis-236	38	6	the	the	DET
ajpdis-236	38	7	services	service	NOUN
ajpdis-236	38	8	provided	provide	VERB
ajpdis-236	38	9	by	by	ADP
ajpdis-236	38	10	banks	bank	NOUN
ajpdis-236	38	11	3	3	NUM
ajpdis-236	38	12	american	american	PROPN
ajpdis-236	38	13	journal	journal	PROPN
ajpdis-236	38	14	of	of	ADP
ajpdis-236	38	15	public	public	ADJ
ajpdis-236	38	16	diplomacy	diplomacy	NOUN
ajpdis-236	38	17	and	and	CCONJ
ajpdis-236	38	18	international	international	ADJ
ajpdis-236	38	19	studies	study	NOUN
ajpdis-236	38	20	www	www	PROPN
ajpdis-236	38	21	.	.	PROPN
ajpdis-236	38	22	grnjournal.us	grnjournal.us	X
ajpdis-236	38	23	and	and	CCONJ
ajpdis-236	38	24	other	other	ADJ
ajpdis-236	38	25	financial	financial	ADJ
ajpdis-236	38	26	institutions	institution	NOUN
ajpdis-236	38	27	,	,	PUNCT
ajpdis-236	38	28	the	the	DET
ajpdis-236	38	29	population	population	NOUN
ajpdis-236	38	30	should	should	AUX
ajpdis-236	38	31	be	be	AUX
ajpdis-236	38	32	financially	financially	ADV
ajpdis-236	38	33	literate	literate	ADJ
ajpdis-236	38	34	in	in	ADP
ajpdis-236	38	35	order	order	NOUN
ajpdis-236	38	36	to	to	PART
ajpdis-236	38	37	manage	manage	VERB
ajpdis-236	38	38	loans	loan	NOUN
ajpdis-236	38	39	,	,	PUNCT
ajpdis-236	38	40	make	make	VERB
ajpdis-236	38	41	investments	investment	NOUN
ajpdis-236	38	42	,	,	PUNCT
ajpdis-236	38	43	and	and	CCONJ
ajpdis-236	38	44	make	make	VERB
ajpdis-236	38	45	effective	effective	ADJ
ajpdis-236	38	46	decisions	decision	NOUN
ajpdis-236	38	47	.	.	PUNCT
ajpdis-236	39	1	5	5	X
ajpdis-236	39	2	.	.	X
ajpdis-236	39	3	expansion	expansion	NOUN
ajpdis-236	39	4	of	of	ADP
ajpdis-236	39	5	population	population	NOUN
ajpdis-236	39	6	labor	labor	NOUN
ajpdis-236	39	7	migration	migration	NOUN
ajpdis-236	39	8	.	.	PUNCT
ajpdis-236	40	1	in	in	ADP
ajpdis-236	40	2	order	order	NOUN
ajpdis-236	40	3	to	to	PART
ajpdis-236	40	4	reduce	reduce	VERB
ajpdis-236	40	5	the	the	DET
ajpdis-236	40	6	impact	impact	NOUN
ajpdis-236	40	7	of	of	ADP
ajpdis-236	40	8	risks	risk	NOUN
ajpdis-236	40	9	such	such	ADJ
ajpdis-236	40	10	as	as	ADP
ajpdis-236	40	11	dismissal	dismissal	NOUN
ajpdis-236	40	12	,	,	PUNCT
ajpdis-236	40	13	fraud	fraud	NOUN
ajpdis-236	40	14	,	,	PUNCT
ajpdis-236	40	15	bad	bad	ADJ
ajpdis-236	40	16	social	social	ADJ
ajpdis-236	40	17	conditions	condition	NOUN
ajpdis-236	40	18	,	,	PUNCT
ajpdis-236	40	19	and	and	CCONJ
ajpdis-236	40	20	bad	bad	ADJ
ajpdis-236	40	21	treatment	treatment	NOUN
ajpdis-236	40	22	of	of	ADP
ajpdis-236	40	23	migrant	migrant	ADJ
ajpdis-236	40	24	workers	worker	NOUN
ajpdis-236	40	25	working	work	VERB
ajpdis-236	40	26	abroad	abroad	ADV
ajpdis-236	40	27	,	,	PUNCT
ajpdis-236	40	28	it	it	PRON
ajpdis-236	40	29	is	be	AUX
ajpdis-236	40	30	necessary	necessary	ADJ
ajpdis-236	40	31	to	to	PART
ajpdis-236	40	32	increase	increase	VERB
ajpdis-236	40	33	the	the	DET
ajpdis-236	40	34	literacy	literacy	NOUN
ajpdis-236	40	35	of	of	ADP
ajpdis-236	40	36	migrants	migrant	NOUN
ajpdis-236	40	37	about	about	ADP
ajpdis-236	40	38	money	money	NOUN
ajpdis-236	40	39	transfers	transfer	NOUN
ajpdis-236	40	40	,	,	PUNCT
ajpdis-236	40	41	banking	banking	NOUN
ajpdis-236	40	42	services	service	NOUN
ajpdis-236	40	43	in	in	ADP
ajpdis-236	40	44	foreign	foreign	ADJ
ajpdis-236	40	45	countries	country	NOUN
ajpdis-236	40	46	,	,	PUNCT
ajpdis-236	40	47	and	and	CCONJ
ajpdis-236	40	48	the	the	DET
ajpdis-236	40	49	insurance	insurance	NOUN
ajpdis-236	40	50	system	system	NOUN
ajpdis-236	40	51	.	.	PUNCT
ajpdis-236	40	52	.	.	PUNCT
ajpdis-236	41	1	6	6	X
ajpdis-236	41	2	.	.	X
ajpdis-236	42	1	some	some	DET
ajpdis-236	42	2	features	feature	NOUN
ajpdis-236	42	3	of	of	ADP
ajpdis-236	42	4	the	the	DET
ajpdis-236	42	5	traditions	tradition	NOUN
ajpdis-236	42	6	of	of	ADP
ajpdis-236	42	7	the	the	DET
ajpdis-236	42	8	population	population	NOUN
ajpdis-236	42	9	in	in	ADP
ajpdis-236	42	10	the	the	DET
ajpdis-236	42	11	field	field	NOUN
ajpdis-236	42	12	of	of	ADP
ajpdis-236	42	13	consumer	consumer	NOUN
ajpdis-236	42	14	culture	culture	NOUN
ajpdis-236	42	15	.	.	PUNCT
ajpdis-236	43	1	the	the	DET
ajpdis-236	43	2	need	need	NOUN
ajpdis-236	43	3	to	to	PART
ajpdis-236	43	4	reduce	reduce	VERB
ajpdis-236	43	5	the	the	DET
ajpdis-236	43	6	large	large	ADJ
ajpdis-236	43	7	expenses	expense	NOUN
ajpdis-236	43	8	of	of	ADP
ajpdis-236	43	9	the	the	DET
ajpdis-236	43	10	population	population	NOUN
ajpdis-236	43	11	on	on	ADP
ajpdis-236	43	12	some	some	DET
ajpdis-236	43	13	traditional	traditional	ADJ
ajpdis-236	43	14	holidays	holiday	NOUN
ajpdis-236	43	15	and	and	CCONJ
ajpdis-236	43	16	to	to	PART
ajpdis-236	43	17	increase	increase	VERB
ajpdis-236	43	18	the	the	DET
ajpdis-236	43	19	investments	investment	NOUN
ajpdis-236	43	20	to	to	PART
ajpdis-236	43	21	direct	direct	VERB
ajpdis-236	43	22	the	the	DET
ajpdis-236	43	23	investment	investment	NOUN
ajpdis-236	43	24	of	of	ADP
ajpdis-236	43	25	human	human	ADJ
ajpdis-236	43	26	capital	capital	NOUN
ajpdis-236	43	27	requires	require	VERB
ajpdis-236	43	28	increasing	increase	VERB
ajpdis-236	43	29	financial	financial	ADJ
ajpdis-236	43	30	literacy	literacy	NOUN
ajpdis-236	43	31	.	.	PUNCT
ajpdis-236	44	1	7	7	X
ajpdis-236	44	2	.	.	X
ajpdis-236	44	3	due	due	ADP
ajpdis-236	44	4	to	to	ADP
ajpdis-236	44	5	the	the	DET
ajpdis-236	44	6	relatively	relatively	ADV
ajpdis-236	44	7	low	low	ADJ
ajpdis-236	44	8	consumption	consumption	NOUN
ajpdis-236	44	9	of	of	ADP
ajpdis-236	44	10	a	a	DET
ajpdis-236	44	11	number	number	NOUN
ajpdis-236	44	12	of	of	ADP
ajpdis-236	44	13	financial	financial	ADJ
ajpdis-236	44	14	services	service	NOUN
ajpdis-236	44	15	,	,	PUNCT
ajpdis-236	44	16	the	the	DET
ajpdis-236	44	17	composition	composition	NOUN
ajpdis-236	44	18	of	of	ADP
ajpdis-236	44	19	their	their	PRON
ajpdis-236	44	20	consumption	consumption	NOUN
ajpdis-236	44	21	is	be	AUX
ajpdis-236	44	22	limited	limited	ADJ
ajpdis-236	44	23	.	.	PUNCT
ajpdis-236	45	1	8	8	X
ajpdis-236	45	2	.	.	PUNCT
ajpdis-236	45	3	due	due	ADP
ajpdis-236	45	4	to	to	ADP
ajpdis-236	45	5	the	the	DET
ajpdis-236	45	6	fact	fact	NOUN
ajpdis-236	45	7	that	that	SCONJ
ajpdis-236	45	8	the	the	DET
ajpdis-236	45	9	quality	quality	NOUN
ajpdis-236	45	10	of	of	ADP
ajpdis-236	45	11	all	all	DET
ajpdis-236	45	12	financial	financial	ADJ
ajpdis-236	45	13	services	service	NOUN
ajpdis-236	45	14	has	have	AUX
ajpdis-236	45	15	not	not	PART
ajpdis-236	45	16	been	be	AUX
ajpdis-236	45	17	independently	independently	ADV
ajpdis-236	45	18	checked	check	VERB
ajpdis-236	45	19	during	during	ADP
ajpdis-236	45	20	the	the	DET
ajpdis-236	45	21	purchase	purchase	NOUN
ajpdis-236	45	22	period	period	NOUN
ajpdis-236	45	23	,	,	PUNCT
ajpdis-236	45	24	there	there	PRON
ajpdis-236	45	25	are	be	VERB
ajpdis-236	45	26	opportunities	opportunity	NOUN
ajpdis-236	45	27	for	for	SCONJ
ajpdis-236	45	28	sellers	seller	NOUN
ajpdis-236	45	29	to	to	PART
ajpdis-236	45	30	sell	sell	VERB
ajpdis-236	45	31	low	low	ADJ
ajpdis-236	45	32	-	-	PUNCT
ajpdis-236	45	33	quality	quality	NOUN
ajpdis-236	45	34	products	product	NOUN
ajpdis-236	45	35	.	.	PUNCT
ajpdis-236	46	1	9	9	X
ajpdis-236	46	2	.	.	X
ajpdis-236	46	3	the	the	DET
ajpdis-236	46	4	high	high	ADJ
ajpdis-236	46	5	costs	cost	NOUN
ajpdis-236	46	6	of	of	ADP
ajpdis-236	46	7	checking	check	VERB
ajpdis-236	46	8	the	the	DET
ajpdis-236	46	9	high	high	ADJ
ajpdis-236	46	10	obligations	obligation	NOUN
ajpdis-236	46	11	undertaken	undertake	VERB
ajpdis-236	46	12	by	by	ADP
ajpdis-236	46	13	the	the	DET
ajpdis-236	46	14	parties	party	NOUN
ajpdis-236	46	15	.	.	PUNCT
ajpdis-236	47	1	a	a	DET
ajpdis-236	47	2	low	low	ADJ
ajpdis-236	47	3	level	level	NOUN
ajpdis-236	47	4	of	of	ADP
ajpdis-236	47	5	financial	financial	ADJ
ajpdis-236	47	6	literacy	literacy	NOUN
ajpdis-236	47	7	for	for	ADP
ajpdis-236	47	8	consumers	consumer	NOUN
ajpdis-236	47	9	of	of	ADP
ajpdis-236	47	10	financial	financial	ADJ
ajpdis-236	47	11	services	service	NOUN
ajpdis-236	47	12	has	have	VERB
ajpdis-236	47	13	the	the	DET
ajpdis-236	47	14	following	follow	VERB
ajpdis-236	47	15	negative	negative	ADJ
ajpdis-236	47	16	consequences	consequence	NOUN
ajpdis-236	47	17	:	:	PUNCT
ajpdis-236	47	18	•	•	NUM
ajpdis-236	47	19	decrease	decrease	NOUN
ajpdis-236	47	20	in	in	ADP
ajpdis-236	47	21	confidence	confidence	NOUN
ajpdis-236	47	22	in	in	ADP
ajpdis-236	47	23	financial	financial	ADJ
ajpdis-236	47	24	institutions	institution	NOUN
ajpdis-236	47	25	due	due	ADJ
ajpdis-236	47	26	to	to	ADP
ajpdis-236	47	27	inefficient	inefficient	ADJ
ajpdis-236	47	28	decision	decision	NOUN
ajpdis-236	47	29	-	-	PUNCT
ajpdis-236	47	30	making	making	NOUN
ajpdis-236	47	31	;	;	PUNCT
ajpdis-236	48	1	•	•	NUM
ajpdis-236	48	2	lack	lack	NOUN
ajpdis-236	48	3	of	of	ADP
ajpdis-236	48	4	access	access	NOUN
ajpdis-236	48	5	to	to	ADP
ajpdis-236	48	6	financial	financial	ADJ
ajpdis-236	48	7	market	market	NOUN
ajpdis-236	48	8	advantages	advantage	NOUN
ajpdis-236	48	9	;	;	PUNCT
ajpdis-236	48	10	•	•	NUM
ajpdis-236	48	11	high	high	ADJ
ajpdis-236	48	12	level	level	NOUN
ajpdis-236	48	13	of	of	ADP
ajpdis-236	48	14	debt	debt	NOUN
ajpdis-236	48	15	obligations	obligation	NOUN
ajpdis-236	48	16	of	of	ADP
ajpdis-236	48	17	the	the	DET
ajpdis-236	48	18	person	person	NOUN
ajpdis-236	48	19	;	;	PUNCT
ajpdis-236	48	20	•	•	NUM
ajpdis-236	48	21	public	public	ADJ
ajpdis-236	48	22	bankruptcy	bankruptcy	NOUN
ajpdis-236	48	23	of	of	ADP
ajpdis-236	48	24	individuals	individual	NOUN
ajpdis-236	48	25	;	;	PUNCT
ajpdis-236	48	26	•	•	ADP
ajpdis-236	48	27	teaching	teach	VERB
ajpdis-236	48	28	the	the	DET
ajpdis-236	48	29	growing	grow	VERB
ajpdis-236	48	30	generation	generation	NOUN
ajpdis-236	48	31	negative	negative	ADJ
ajpdis-236	48	32	financial	financial	ADJ
ajpdis-236	48	33	experience	experience	NOUN
ajpdis-236	48	34	;	;	PUNCT
ajpdis-236	48	35	•	•	NUM
ajpdis-236	48	36	propensity	propensity	NOUN
ajpdis-236	48	37	of	of	ADP
ajpdis-236	48	38	financial	financial	ADJ
ajpdis-236	48	39	service	service	NOUN
ajpdis-236	48	40	sellers	seller	NOUN
ajpdis-236	48	41	to	to	ADP
ajpdis-236	48	42	the	the	DET
ajpdis-236	48	43	risk	risk	NOUN
ajpdis-236	48	44	of	of	ADP
ajpdis-236	48	45	corruption	corruption	NOUN
ajpdis-236	48	46	,	,	PUNCT
ajpdis-236	48	47	bad	bad	ADJ
ajpdis-236	48	48	behavior	behavior	NOUN
ajpdis-236	48	49	;	;	PUNCT
ajpdis-236	48	50	•	•	NUM
ajpdis-236	48	51	low	low	ADJ
ajpdis-236	48	52	level	level	NOUN
ajpdis-236	48	53	of	of	ADP
ajpdis-236	48	54	savings	saving	NOUN
ajpdis-236	48	55	for	for	ADP
ajpdis-236	48	56	vital	vital	ADJ
ajpdis-236	48	57	products	product	NOUN
ajpdis-236	48	58	;	;	PUNCT
ajpdis-236	48	59	•	•	NUM
ajpdis-236	48	60	formation	formation	NOUN
ajpdis-236	48	61	of	of	ADP
ajpdis-236	48	62	pension	pension	NOUN
ajpdis-236	48	63	funds	fund	NOUN
ajpdis-236	48	64	and	and	CCONJ
ajpdis-236	48	65	ineffectiveness	ineffectiveness	NOUN
ajpdis-236	48	66	of	of	ADP
ajpdis-236	48	67	their	their	PRON
ajpdis-236	48	68	management	management	NOUN
ajpdis-236	48	69	.	.	PUNCT
ajpdis-236	49	1	for	for	ADP
ajpdis-236	49	2	the	the	DET
ajpdis-236	49	3	state	state	NOUN
ajpdis-236	49	4	,	,	PUNCT
ajpdis-236	49	5	the	the	DET
ajpdis-236	49	6	low	low	ADJ
ajpdis-236	49	7	level	level	NOUN
ajpdis-236	49	8	of	of	ADP
ajpdis-236	49	9	literacy	literacy	NOUN
ajpdis-236	49	10	of	of	ADP
ajpdis-236	49	11	the	the	DET
ajpdis-236	49	12	population	population	NOUN
ajpdis-236	49	13	,	,	PUNCT
ajpdis-236	49	14	the	the	DET
ajpdis-236	49	15	presence	presence	NOUN
ajpdis-236	49	16	of	of	ADP
ajpdis-236	49	17	an	an	DET
ajpdis-236	49	18	obstacle	obstacle	NOUN
ajpdis-236	49	19	to	to	ADP
ajpdis-236	49	20	the	the	DET
ajpdis-236	49	21	development	development	NOUN
ajpdis-236	49	22	of	of	ADP
ajpdis-236	49	23	the	the	DET
ajpdis-236	49	24	ability	ability	NOUN
ajpdis-236	49	25	to	to	PART
ajpdis-236	49	26	choose	choose	VERB
ajpdis-236	49	27	,	,	PUNCT
ajpdis-236	49	28	limits	limit	VERB
ajpdis-236	49	29	the	the	DET
ajpdis-236	49	30	possibility	possibility	NOUN
ajpdis-236	49	31	of	of	ADP
ajpdis-236	49	32	financial	financial	ADJ
ajpdis-236	49	33	markets	market	NOUN
ajpdis-236	49	34	and	and	CCONJ
ajpdis-236	49	35	reduces	reduce	VERB
ajpdis-236	49	36	the	the	DET
ajpdis-236	49	37	efficiency	efficiency	NOUN
ajpdis-236	49	38	of	of	ADP
ajpdis-236	49	39	regulation	regulation	NOUN
ajpdis-236	49	40	,	,	PUNCT
ajpdis-236	49	41	restricts	restrict	VERB
ajpdis-236	49	42	the	the	DET
ajpdis-236	49	43	rights	right	NOUN
ajpdis-236	49	44	of	of	ADP
ajpdis-236	49	45	consumers	consumer	NOUN
ajpdis-236	49	46	,	,	PUNCT
ajpdis-236	49	47	and	and	CCONJ
ajpdis-236	49	48	does	do	AUX
ajpdis-236	49	49	not	not	PART
ajpdis-236	49	50	allow	allow	VERB
ajpdis-236	49	51	access	access	NOUN
ajpdis-236	49	52	to	to	ADP
ajpdis-236	49	53	the	the	DET
ajpdis-236	49	54	accumulated	accumulate	VERB
ajpdis-236	49	55	pension	pension	NOUN
ajpdis-236	49	56	system	system	NOUN
ajpdis-236	49	57	based	base	VERB
ajpdis-236	49	58	on	on	ADP
ajpdis-236	49	59	personal	personal	ADJ
ajpdis-236	49	60	participation	participation	NOUN
ajpdis-236	49	61	.	.	PUNCT
ajpdis-236	50	1	inadequate	inadequate	ADJ
ajpdis-236	50	2	level	level	NOUN
ajpdis-236	50	3	of	of	ADP
ajpdis-236	50	4	knowledge	knowledge	NOUN
ajpdis-236	50	5	about	about	ADP
ajpdis-236	50	6	financial	financial	ADJ
ajpdis-236	50	7	services	service	NOUN
ajpdis-236	50	8	from	from	ADP
ajpdis-236	50	9	an	an	DET
ajpdis-236	50	10	economic	economic	ADJ
ajpdis-236	50	11	point	point	NOUN
ajpdis-236	50	12	of	of	ADP
ajpdis-236	50	13	view	view	NOUN
ajpdis-236	50	14	means	mean	VERB
ajpdis-236	50	15	that	that	SCONJ
ajpdis-236	50	16	large	large	ADJ
ajpdis-236	50	17	segments	segment	NOUN
ajpdis-236	50	18	of	of	ADP
ajpdis-236	50	19	the	the	DET
ajpdis-236	50	20	population	population	NOUN
ajpdis-236	50	21	are	be	AUX
ajpdis-236	50	22	not	not	PART
ajpdis-236	50	23	attracted	attract	VERB
ajpdis-236	50	24	to	to	ADP
ajpdis-236	50	25	their	their	PRON
ajpdis-236	50	26	consumption	consumption	NOUN
ajpdis-236	50	27	and	and	CCONJ
ajpdis-236	50	28	limits	limit	VERB
ajpdis-236	50	29	the	the	DET
ajpdis-236	50	30	level	level	NOUN
ajpdis-236	50	31	and	and	CCONJ
ajpdis-236	50	32	quality	quality	NOUN
ajpdis-236	50	33	of	of	ADP
ajpdis-236	50	34	savings	saving	NOUN
ajpdis-236	50	35	,	,	PUNCT
ajpdis-236	50	36	investments	investment	NOUN
ajpdis-236	50	37	,	,	PUNCT
ajpdis-236	50	38	which	which	PRON
ajpdis-236	50	39	determine	determine	VERB
ajpdis-236	50	40	the	the	DET
ajpdis-236	50	41	potential	potential	NOUN
ajpdis-236	50	42	of	of	ADP
ajpdis-236	50	43	economic	economic	ADJ
ajpdis-236	50	44	growth	growth	NOUN
ajpdis-236	50	45	.	.	PUNCT
ajpdis-236	51	1	conclusion	conclusion	NOUN
ajpdis-236	51	2	:	:	PUNCT
ajpdis-236	51	3	the	the	DET
ajpdis-236	51	4	development	development	NOUN
ajpdis-236	51	5	of	of	ADP
ajpdis-236	51	6	the	the	DET
ajpdis-236	51	7	modern	modern	ADJ
ajpdis-236	51	8	market	market	NOUN
ajpdis-236	51	9	economy	economy	NOUN
ajpdis-236	51	10	requires	require	VERB
ajpdis-236	51	11	the	the	DET
ajpdis-236	51	12	population	population	NOUN
ajpdis-236	51	13	to	to	PART
ajpdis-236	51	14	participate	participate	VERB
ajpdis-236	51	15	in	in	ADP
ajpdis-236	51	16	pension	pension	NOUN
ajpdis-236	51	17	savings	saving	NOUN
ajpdis-236	51	18	,	,	PUNCT
ajpdis-236	51	19	insurance	insurance	NOUN
ajpdis-236	51	20	and	and	CCONJ
ajpdis-236	51	21	mortgage	mortgage	NOUN
ajpdis-236	51	22	systems	system	NOUN
ajpdis-236	51	23	.	.	PUNCT
ajpdis-236	52	1	because	because	SCONJ
ajpdis-236	52	2	the	the	DET
ajpdis-236	52	3	population	population	NOUN
ajpdis-236	52	4	's	's	PART
ajpdis-236	52	5	participation	participation	NOUN
ajpdis-236	52	6	in	in	ADP
ajpdis-236	52	7	these	these	DET
ajpdis-236	52	8	systems	system	NOUN
ajpdis-236	52	9	helps	help	VERB
ajpdis-236	52	10	to	to	PART
ajpdis-236	52	11	solve	solve	VERB
ajpdis-236	52	12	issues	issue	NOUN
ajpdis-236	52	13	such	such	ADJ
ajpdis-236	52	14	as	as	ADP
ajpdis-236	52	15	pension	pension	NOUN
ajpdis-236	52	16	accumulation	accumulation	NOUN
ajpdis-236	52	17	,	,	PUNCT
ajpdis-236	52	18	social	social	ADJ
ajpdis-236	52	19	and	and	CCONJ
ajpdis-236	52	20	medical	medical	ADJ
ajpdis-236	52	21	insurance	insurance	NOUN
ajpdis-236	52	22	,	,	PUNCT
ajpdis-236	52	23	providing	provide	VERB
ajpdis-236	52	24	accommodation	accommodation	NOUN
ajpdis-236	52	25	and	and	CCONJ
ajpdis-236	52	26	improving	improve	VERB
ajpdis-236	52	27	the	the	DET
ajpdis-236	52	28	quality	quality	NOUN
ajpdis-236	52	29	of	of	ADP
ajpdis-236	52	30	education	education	NOUN
ajpdis-236	52	31	.	.	PUNCT
ajpdis-236	53	1	the	the	DET
ajpdis-236	53	2	expansion	expansion	NOUN
ajpdis-236	53	3	of	of	ADP
ajpdis-236	53	4	the	the	DET
ajpdis-236	53	5	savings	saving	NOUN
ajpdis-236	53	6	characteristic	characteristic	NOUN
ajpdis-236	53	7	of	of	ADP
ajpdis-236	53	8	the	the	DET
ajpdis-236	53	9	middle	middle	ADJ
ajpdis-236	53	10	class	class	NOUN
ajpdis-236	53	11	and	and	CCONJ
ajpdis-236	53	12	its	its	PRON
ajpdis-236	53	13	effective	effective	ADJ
ajpdis-236	53	14	use	use	NOUN
ajpdis-236	53	15	ensures	ensure	VERB
ajpdis-236	53	16	the	the	DET
ajpdis-236	53	17	socioeconomic	socioeconomic	ADJ
ajpdis-236	53	18	stability	stability	NOUN
ajpdis-236	53	19	of	of	ADP
ajpdis-236	53	20	the	the	DET
ajpdis-236	53	21	country	country	NOUN
ajpdis-236	53	22	,	,	PUNCT
ajpdis-236	53	23	and	and	CCONJ
ajpdis-236	53	24	was	be	AUX
ajpdis-236	53	25	not	not	PART
ajpdis-236	53	26	the	the	DET
ajpdis-236	53	27	basis	basis	NOUN
ajpdis-236	53	28	for	for	ADP
ajpdis-236	53	29	achieving	achieve	VERB
ajpdis-236	53	30	macroeconomic	macroeconomic	ADJ
ajpdis-236	53	31	balance	balance	NOUN
ajpdis-236	53	32	and	and	CCONJ
ajpdis-236	53	33	strengthening	strengthen	VERB
ajpdis-236	53	34	the	the	DET
ajpdis-236	53	35	financial	financial	ADJ
ajpdis-236	53	36	system	system	NOUN
ajpdis-236	53	37	.	.	PUNCT
ajpdis-236	54	1	references	reference	NOUN
ajpdis-236	54	2	:	:	PUNCT
ajpdis-236	54	3	1	1	X
ajpdis-236	54	4	.	.	X
ajpdis-236	54	5	vakhobov	vakhobov	PROPN
ajpdis-236	54	6	a.	a.	PROPN
ajpdis-236	54	7	v.	v.	PROPN
ajpdis-236	54	8	,	,	PUNCT
ajpdis-236	54	9	m	m	VERB
ajpdis-236	54	10	alikov	alikov	PROPN
ajpdis-236	54	11	t.	t.	PROPN
ajpdis-236	54	12	s.	s.	PROPN
ajpdis-236	54	13	m	m	PROPN
ajpdis-236	54	14	olia	olia	PROPN
ajpdis-236	54	15	.	.	PUNCT
ajpdis-236	55	1	d	d	X
ajpdis-236	55	2	arsly	arsly	ADV
ajpdis-236	55	3	.	.	PUNCT
ajpdis-236	56	1	—	—	PUNCT
ajpdis-236	56	2	t.	t.	NOUN
ajpdis-236	56	3	:	:	PUNCT
ajpdis-236	56	4	publisher	publisher	NOUN
ajpdis-236	56	5	,	,	PUNCT
ajpdis-236	56	6	2011	2011	NUM
ajpdis-236	56	7	.	.	PUNCT
ajpdis-236	57	1	2	2	X
ajpdis-236	57	2	.	.	X
ajpdis-236	57	3	vakhobov	vakhobov	PROPN
ajpdis-236	57	4	a.	a.	NOUN
ajpdis-236	57	5	v.	v.	ADP
ajpdis-236	57	6	social	social	ADJ
ajpdis-236	57	7	funds	fund	NOUN
ajpdis-236	57	8	in	in	ADP
ajpdis-236	57	9	the	the	DET
ajpdis-236	57	10	system	system	NOUN
ajpdis-236	57	11	of	of	ADP
ajpdis-236	57	12	market	market	NOUN
ajpdis-236	57	13	relations	relation	NOUN
ajpdis-236	57	14	.	.	PUNCT
ajpdis-236	58	1	—	—	PUNCT
ajpdis-236	58	2	t.	t.	NOUN
ajpdis-236	58	3	:	:	PUNCT
ajpdis-236	58	4	shark	shark	NOUN
ajpdis-236	58	5	,	,	PUNCT
ajpdis-236	58	6	2003	2003	NUM
ajpdis-236	58	7	.	.	PUNCT
ajpdis-236	59	1	3	3	X
ajpdis-236	59	2	.	.	X
ajpdis-236	59	3	www.lex.uz	www.lex.uz	X
ajpdis-236	59	4	—	—	PUNCT
ajpdis-236	59	5	0	0	NUM
ajpdis-236	59	6	website	website	NOUN
ajpdis-236	59	7	of	of	ADP
ajpdis-236	59	8	the	the	DET
ajpdis-236	59	9	base	base	NOUN
ajpdis-236	59	10	of	of	ADP
ajpdis-236	59	11	laws	law	NOUN
ajpdis-236	59	12	of	of	ADP
ajpdis-236	59	13	the	the	DET
ajpdis-236	59	14	republic	republic	NOUN
ajpdis-236	59	15	of	of	ADP
ajpdis-236	59	16	uzbekistan	uzbekistan	PROPN
ajpdis-236	59	17	.	.	PUNCT
ajpdis-236	60	1	4	4	X
ajpdis-236	60	2	.	.	X
ajpdis-236	60	3	www.mf.uz	www.mf.uz	PROPN
ajpdis-236	60	4	—	—	PUNCT
ajpdis-236	60	5	0	0	NUM
ajpdis-236	60	6	website	website	NOUN
ajpdis-236	60	7	of	of	ADP
ajpdis-236	60	8	the	the	DET
ajpdis-236	60	9	base	base	NOUN
ajpdis-236	60	10	of	of	ADP
ajpdis-236	60	11	the	the	DET
ajpdis-236	60	12	ministry	ministry	PROPN
ajpdis-236	60	13	of	of	ADP
ajpdis-236	60	14	finance	finance	PROPN
ajpdis-236	60	15	of	of	ADP
ajpdis-236	60	16	the	the	DET
ajpdis-236	60	17	republic	republic	NOUN
ajpdis-236	60	18	of	of	ADP
ajpdis-236	60	19	uzbekistan	uzbekistan	PROPN
ajpdis-236	60	20	.	.	PUNCT