id	sid	tid	token	lemma	pos
arjefm-1123	1	1	american	american	PROPN
arjefm-1123	1	2	research	research	PROPN
arjefm-1123	1	3	journal	journal	PROPN
arjefm-1123	1	4	of	of	ADP
arjefm-1123	1	5	economics	economic	NOUN
arjefm-1123	1	6	,	,	PUNCT
arjefm-1123	1	7	finance	finance	NOUN
arjefm-1123	1	8	and	and	CCONJ
arjefm-1123	1	9	management	management	NOUN
arjefm-1123	1	10	volume	volume	NOUN
arjefm-1123	1	11	12	12	NUM
arjefm-1123	1	12	issue	issue	NOUN
arjefm-1123	1	13	4	4	NUM
arjefm-1123	1	14	,	,	PUNCT
arjefm-1123	1	15	october	october	PROPN
arjefm-1123	1	16	-	-	PUNCT
arjefm-1123	1	17	december	december	PROPN
arjefm-1123	1	18	2024	2024	NUM
arjefm-1123	1	19	issn	issn	NOUN
arjefm-1123	1	20	:	:	PUNCT
arjefm-1123	1	21	2836	2836	NUM
arjefm-1123	1	22	-	-	SYM
arjefm-1123	1	23	9416	9416	NUM
arjefm-1123	1	24	impact	impact	NOUN
arjefm-1123	1	25	factor	factor	NOUN
arjefm-1123	1	26	:	:	PUNCT
arjefm-1123	1	27	5.57	5.57	NUM
arjefm-1123	1	28	journal	journal	NOUN
arjefm-1123	1	29	homepage	homepage	NOUN
arjefm-1123	1	30	:	:	PUNCT
arjefm-1123	1	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	1	32	,	,	PUNCT
arjefm-1123	1	33	email	email	NOUN
arjefm-1123	1	34	:	:	PUNCT
arjefm-1123	1	35	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	1	36	official	official	ADJ
arjefm-1123	1	37	journal	journal	PROPN
arjefm-1123	1	38	of	of	ADP
arjefm-1123	1	39	america	america	PROPN
arjefm-1123	1	40	serial	serial	PROPN
arjefm-1123	1	41	publication	publication	NOUN
arjefm-1123	1	42	american	american	PROPN
arjefm-1123	1	43	research	research	PROPN
arjefm-1123	1	44	journal	journal	PROPN
arjefm-1123	1	45	of	of	ADP
arjefm-1123	1	46	economics	economic	NOUN
arjefm-1123	1	47	,	,	PUNCT
arjefm-1123	1	48	finance	finance	NOUN
arjefm-1123	1	49	and	and	CCONJ
arjefm-1123	1	50	management	management	NOUN
arjefm-1123	1	51	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	1	52	,	,	PUNCT
arjefm-1123	1	53	email	email	NOUN
arjefm-1123	1	54	:	:	PUNCT
arjefm-1123	1	55	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	2	1	1	1	NUM
arjefm-1123	3	1	|	|	ADV
arjefm-1123	3	2	p	p	X
arjefm-1123	3	3	a	a	DET
arjefm-1123	3	4	g	g	NOUN
arjefm-1123	3	5	e	e	NOUN
arjefm-1123	3	6	impact	impact	NOUN
arjefm-1123	3	7	of	of	ADP
arjefm-1123	3	8	microfinance	microfinance	NOUN
arjefm-1123	3	9	bank	bank	NOUN
arjefm-1123	3	10	on	on	ADP
arjefm-1123	3	11	growth	growth	NOUN
arjefm-1123	3	12	of	of	ADP
arjefm-1123	3	13	small	small	ADJ
arjefm-1123	3	14	and	and	CCONJ
arjefm-1123	3	15	medium	medium	ADJ
arjefm-1123	3	16	scale	scale	NOUN
arjefm-1123	3	17	enterprises	enterprise	NOUN
arjefm-1123	3	18	.	.	PUNCT
arjefm-1123	4	1	1eke	1eke	NUM
arjefm-1123	4	2	robert	robert	PROPN
arjefm-1123	4	3	i.	i.	PROPN
arjefm-1123	4	4	ph.d	ph.d	PROPN
arjefm-1123	4	5	.	.	PROPN
arjefm-1123	4	6	,	,	PUNCT
arjefm-1123	4	7	fca	fca	PROPN
arjefm-1123	4	8	.	.	PUNCT
arjefm-1123	5	1	2ozabor	2ozabor	NUM
arjefm-1123	5	2	lydia	lydia	PROPN
arjefm-1123	5	3	osatohanmwen	osatohanmwen	NOUN
arjefm-1123	5	4	and	and	CCONJ
arjefm-1123	5	5	3iriogbe	3iriogbe	NUM
arjefm-1123	5	6	cynthia	cynthia	NOUN
arjefm-1123	5	7	bose	bose	NOUN
arjefm-1123	5	8	1&2department	1&2department	NUM
arjefm-1123	5	9	of	of	ADP
arjefm-1123	5	10	accounting	accounting	NOUN
arjefm-1123	5	11	and	and	CCONJ
arjefm-1123	5	12	finance	finance	NOUN
arjefm-1123	5	13	,	,	PUNCT
arjefm-1123	5	14	school	school	NOUN
arjefm-1123	5	15	of	of	ADP
arjefm-1123	5	16	social	social	ADJ
arjefm-1123	5	17	and	and	CCONJ
arjefm-1123	5	18	management	management	NOUN
arjefm-1123	5	19	sciences	science	NOUN
arjefm-1123	5	20	,	,	PUNCT
arjefm-1123	5	21	wellspring	wellspre	VERB
arjefm-1123	5	22	university	university	PROPN
arjefm-1123	5	23	benin	benin	PROPN
arjefm-1123	5	24	city	city	PROPN
arjefm-1123	5	25	,	,	PUNCT
arjefm-1123	5	26	edo	edo	PROPN
arjefm-1123	5	27	state	state	NOUN
arjefm-1123	5	28	.	.	PUNCT
arjefm-1123	6	1	3department	3department	NUM
arjefm-1123	6	2	of	of	ADP
arjefm-1123	6	3	business	business	NOUN
arjefm-1123	6	4	administration	administration	NOUN
arjefm-1123	6	5	,	,	PUNCT
arjefm-1123	6	6	school	school	NOUN
arjefm-1123	6	7	of	of	ADP
arjefm-1123	6	8	social	social	ADJ
arjefm-1123	6	9	and	and	CCONJ
arjefm-1123	6	10	management	management	NOUN
arjefm-1123	6	11	sciences	science	NOUN
arjefm-1123	6	12	,	,	PUNCT
arjefm-1123	6	13	wellspring	wellspre	VERB
arjefm-1123	6	14	university	university	PROPN
arjefm-1123	6	15	benin	benin	PROPN
arjefm-1123	6	16	city	city	PROPN
arjefm-1123	6	17	,	,	PUNCT
arjefm-1123	6	18	edo	edo	PROPN
arjefm-1123	6	19	state	state	NOUN
arjefm-1123	6	20	.	.	PUNCT
arjefm-1123	7	1	email	email	NOUN
arjefm-1123	7	2	:	:	PUNCT
arjefm-1123	7	3	robbyeke19@yahoo.com	robbyeke19@yahoo.com	NOUN
arjefm-1123	7	4	;	;	PUNCT
arjefm-1123	7	5	robert.eke@wellspringuniversity.edu.ng	robert.eke@wellspringuniversity.edu.ng	NOUN
arjefm-1123	7	6	(	(	PUNCT
arjefm-1123	7	7	+2348034712733	+2348034712733	NUM
arjefm-1123	7	8	)	)	PUNCT
arjefm-1123	7	9	.	.	PUNCT
arjefm-1123	8	1	iozabor2@gmail.com	iozabor2@gmail.com	X
arjefm-1123	8	2	(	(	PUNCT
arjefm-1123	8	3	+2348061516532	+2348061516532	NUM
arjefm-1123	8	4	)	)	PUNCT
arjefm-1123	8	5	;	;	PUNCT
arjefm-1123	8	6	boseiriogbe@gmail.com	boseiriogbe@gmail.com	X
arjefm-1123	8	7	(	(	PUNCT
arjefm-1123	8	8	+2347051930883	+2347051930883	NUM
arjefm-1123	8	9	)	)	PUNCT
arjefm-1123	8	10	.	.	PUNCT
arjefm-1123	9	1	doi	doi	NOUN
arjefm-1123	9	2	:	:	PUNCT
arjefm-1123	9	3	https://doi.org/	https://doi.org/	VERB
arjefm-1123	9	4	10.5281	10.5281	NUM
arjefm-1123	9	5	/	/	SYM
arjefm-1123	9	6	zenodo.13961356	zenodo.13961356	NOUN
arjefm-1123	9	7	abstract	abstract	NOUN
arjefm-1123	9	8	:	:	PUNCT
arjefm-1123	9	9	the	the	DET
arjefm-1123	9	10	broad	broad	ADJ
arjefm-1123	9	11	objective	objective	NOUN
arjefm-1123	9	12	of	of	ADP
arjefm-1123	9	13	this	this	DET
arjefm-1123	9	14	study	study	NOUN
arjefm-1123	9	15	was	be	AUX
arjefm-1123	9	16	to	to	PART
arjefm-1123	9	17	examine	examine	VERB
arjefm-1123	9	18	the	the	DET
arjefm-1123	9	19	impact	impact	NOUN
arjefm-1123	9	20	of	of	ADP
arjefm-1123	9	21	microfinance	microfinance	NOUN
arjefm-1123	9	22	banks	bank	NOUN
arjefm-1123	9	23	on	on	ADP
arjefm-1123	9	24	growth	growth	NOUN
arjefm-1123	9	25	of	of	ADP
arjefm-1123	9	26	small	small	ADJ
arjefm-1123	9	27	and	and	CCONJ
arjefm-1123	9	28	medium	medium	ADJ
arjefm-1123	9	29	scale	scale	NOUN
arjefm-1123	9	30	in	in	ADP
arjefm-1123	9	31	nigeria	nigeria	PROPN
arjefm-1123	9	32	.	.	PUNCT
arjefm-1123	10	1	the	the	DET
arjefm-1123	10	2	study	study	NOUN
arjefm-1123	10	3	adopted	adopt	VERB
arjefm-1123	10	4	the	the	DET
arjefm-1123	10	5	survey	survey	NOUN
arjefm-1123	10	6	research	research	NOUN
arjefm-1123	10	7	design	design	NOUN
arjefm-1123	10	8	and	and	CCONJ
arjefm-1123	10	9	data	datum	NOUN
arjefm-1123	10	10	was	be	AUX
arjefm-1123	10	11	gotten	get	VERB
arjefm-1123	10	12	from	from	ADP
arjefm-1123	10	13	owners	owner	NOUN
arjefm-1123	10	14	and	and	CCONJ
arjefm-1123	10	15	staff	staff	NOUN
arjefm-1123	10	16	of	of	ADP
arjefm-1123	10	17	smes	sme	NOUN
arjefm-1123	10	18	operating	operate	VERB
arjefm-1123	10	19	in	in	ADP
arjefm-1123	10	20	edo	edo	PROPN
arjefm-1123	10	21	state	state	NOUN
arjefm-1123	10	22	via	via	ADP
arjefm-1123	10	23	structured	structured	ADJ
arjefm-1123	10	24	questionnaire	questionnaire	NOUN
arjefm-1123	10	25	.	.	PUNCT
arjefm-1123	11	1	a	a	DET
arjefm-1123	11	2	total	total	NOUN
arjefm-1123	11	3	of	of	ADP
arjefm-1123	11	4	three	three	NUM
arjefm-1123	11	5	hundred	hundred	NUM
arjefm-1123	11	6	and	and	CCONJ
arjefm-1123	11	7	twenty	twenty	NUM
arjefm-1123	11	8	three	three	NUM
arjefm-1123	11	9	(	(	PUNCT
arjefm-1123	11	10	323	323	NUM
arjefm-1123	11	11	)	)	PUNCT
arjefm-1123	11	12	copies	copy	NOUN
arjefm-1123	11	13	of	of	ADP
arjefm-1123	11	14	the	the	DET
arjefm-1123	11	15	questionnaire	questionnaire	NOUN
arjefm-1123	11	16	was	be	AUX
arjefm-1123	11	17	used	use	VERB
arjefm-1123	11	18	to	to	PART
arjefm-1123	11	19	perform	perform	VERB
arjefm-1123	11	20	the	the	DET
arjefm-1123	11	21	analysis	analysis	NOUN
arjefm-1123	11	22	.	.	PUNCT
arjefm-1123	12	1	the	the	DET
arjefm-1123	12	2	chi	chi	ADJ
arjefm-1123	12	3	-	-	PUNCT
arjefm-1123	12	4	square	square	ADJ
arjefm-1123	12	5	statistical	statistical	ADJ
arjefm-1123	12	6	analysis	analysis	NOUN
arjefm-1123	12	7	was	be	AUX
arjefm-1123	12	8	used	use	VERB
arjefm-1123	12	9	to	to	PART
arjefm-1123	12	10	test	test	VERB
arjefm-1123	12	11	the	the	DET
arjefm-1123	12	12	hypotheses	hypothesis	NOUN
arjefm-1123	12	13	of	of	ADP
arjefm-1123	12	14	the	the	DET
arjefm-1123	12	15	study	study	NOUN
arjefm-1123	12	16	.	.	PUNCT
arjefm-1123	13	1	the	the	DET
arjefm-1123	13	2	findings	finding	NOUN
arjefm-1123	13	3	of	of	ADP
arjefm-1123	13	4	the	the	DET
arjefm-1123	13	5	study	study	NOUN
arjefm-1123	13	6	revealed	reveal	VERB
arjefm-1123	13	7	that	that	SCONJ
arjefm-1123	13	8	microcredits	microcredit	NOUN
arjefm-1123	13	9	granted	grant	VERB
arjefm-1123	13	10	by	by	ADP
arjefm-1123	13	11	microfinance	microfinance	NOUN
arjefm-1123	13	12	banks	bank	NOUN
arjefm-1123	13	13	has	have	VERB
arjefm-1123	13	14	positive	positive	ADJ
arjefm-1123	13	15	and	and	CCONJ
arjefm-1123	13	16	significant	significant	ADJ
arjefm-1123	13	17	impact	impact	NOUN
arjefm-1123	13	18	on	on	ADP
arjefm-1123	13	19	growth	growth	NOUN
arjefm-1123	13	20	of	of	ADP
arjefm-1123	13	21	smes	sme	NOUN
arjefm-1123	13	22	in	in	ADP
arjefm-1123	13	23	nigeria	nigeria	PROPN
arjefm-1123	13	24	.	.	PUNCT
arjefm-1123	14	1	secondly	secondly	ADV
arjefm-1123	14	2	,	,	PUNCT
arjefm-1123	14	3	the	the	DET
arjefm-1123	14	4	study	study	NOUN
arjefm-1123	14	5	found	find	VERB
arjefm-1123	14	6	that	that	SCONJ
arjefm-1123	14	7	microfinance	microfinance	NOUN
arjefm-1123	14	8	payment	payment	NOUN
arjefm-1123	14	9	services	service	NOUN
arjefm-1123	14	10	has	have	VERB
arjefm-1123	14	11	positive	positive	ADJ
arjefm-1123	14	12	and	and	CCONJ
arjefm-1123	14	13	significant	significant	ADJ
arjefm-1123	14	14	effect	effect	NOUN
arjefm-1123	14	15	on	on	ADP
arjefm-1123	14	16	on	on	ADP
arjefm-1123	14	17	growth	growth	NOUN
arjefm-1123	14	18	of	of	ADP
arjefm-1123	14	19	smes	sme	NOUN
arjefm-1123	14	20	in	in	ADP
arjefm-1123	14	21	nigeria	nigeria	PROPN
arjefm-1123	14	22	.	.	PUNCT
arjefm-1123	15	1	thirdly	thirdly	ADV
arjefm-1123	15	2	,	,	PUNCT
arjefm-1123	15	3	the	the	DET
arjefm-1123	15	4	result	result	NOUN
arjefm-1123	15	5	of	of	ADP
arjefm-1123	15	6	the	the	DET
arjefm-1123	15	7	study	study	NOUN
arjefm-1123	15	8	revealed	reveal	VERB
arjefm-1123	15	9	that	that	SCONJ
arjefm-1123	15	10	savings	saving	NOUN
arjefm-1123	15	11	mobilization	mobilization	NOUN
arjefm-1123	15	12	role	role	NOUN
arjefm-1123	15	13	microfinance	microfinance	NOUN
arjefm-1123	15	14	banks	bank	NOUN
arjefm-1123	15	15	has	have	VERB
arjefm-1123	15	16	positive	positive	ADJ
arjefm-1123	15	17	and	and	CCONJ
arjefm-1123	15	18	significant	significant	ADJ
arjefm-1123	15	19	impact	impact	NOUN
arjefm-1123	15	20	on	on	ADP
arjefm-1123	15	21	growth	growth	NOUN
arjefm-1123	15	22	of	of	ADP
arjefm-1123	15	23	smes	sme	NOUN
arjefm-1123	15	24	in	in	ADP
arjefm-1123	15	25	nigeria	nigeria	PROPN
arjefm-1123	15	26	.	.	PUNCT
arjefm-1123	16	1	the	the	DET
arjefm-1123	16	2	study	study	NOUN
arjefm-1123	16	3	recommended	recommend	VERB
arjefm-1123	16	4	that	that	SCONJ
arjefm-1123	16	5	government	government	NOUN
arjefm-1123	16	6	should	should	AUX
arjefm-1123	16	7	create	create	VERB
arjefm-1123	16	8	an	an	DET
arjefm-1123	16	9	enabling	enable	VERB
arjefm-1123	16	10	environment	environment	NOUN
arjefm-1123	16	11	for	for	ADP
arjefm-1123	16	12	microfinance	microfinance	NOUN
arjefm-1123	16	13	banks	bank	NOUN
arjefm-1123	16	14	to	to	PART
arjefm-1123	16	15	perform	perform	VERB
arjefm-1123	16	16	its	its	PRON
arjefm-1123	16	17	primary	primary	ADJ
arjefm-1123	16	18	role	role	NOUN
arjefm-1123	16	19	of	of	ADP
arjefm-1123	16	20	savings	saving	NOUN
arjefm-1123	16	21	mobilization	mobilization	NOUN
arjefm-1123	16	22	,	,	PUNCT
arjefm-1123	16	23	payment	payment	NOUN
arjefm-1123	16	24	services	service	NOUN
arjefm-1123	16	25	and	and	CCONJ
arjefm-1123	16	26	granting	grant	VERB
arjefm-1123	16	27	of	of	ADP
arjefm-1123	16	28	microcredits	microcredit	NOUN
arjefm-1123	16	29	to	to	ADP
arjefm-1123	16	30	small	small	ADJ
arjefm-1123	16	31	and	and	CCONJ
arjefm-1123	16	32	medium	medium	ADJ
arjefm-1123	16	33	scale	scale	NOUN
arjefm-1123	16	34	enterprises	enterprise	NOUN
arjefm-1123	16	35	in	in	ADP
arjefm-1123	16	36	nigeria	nigeria	PROPN
arjefm-1123	16	37	.	.	PUNCT
arjefm-1123	17	1	keywords	keyword	NOUN
arjefm-1123	17	2	:	:	PUNCT
arjefm-1123	17	3	microfinance	microfinance	NOUN
arjefm-1123	17	4	bank	bank	PROPN
arjefm-1123	17	5	,	,	PUNCT
arjefm-1123	17	6	microcredit	microcredit	NOUN
arjefm-1123	17	7	,	,	PUNCT
arjefm-1123	17	8	payment	payment	NOUN
arjefm-1123	17	9	services	service	NOUN
arjefm-1123	17	10	,	,	PUNCT
arjefm-1123	17	11	savings	saving	NOUN
arjefm-1123	17	12	mobilization	mobilization	NOUN
arjefm-1123	17	13	,	,	PUNCT
arjefm-1123	17	14	small	small	ADJ
arjefm-1123	17	15	and	and	CCONJ
arjefm-1123	17	16	medium	medium	ADJ
arjefm-1123	17	17	scale	scale	NOUN
arjefm-1123	17	18	enterprises	enterprise	NOUN
arjefm-1123	17	19	.	.	PUNCT
arjefm-1123	18	1	introduction	introduction	NOUN
arjefm-1123	18	2	in	in	ADP
arjefm-1123	18	3	nigeria	nigeria	PROPN
arjefm-1123	18	4	credit	credit	NOUN
arjefm-1123	18	5	has	have	AUX
arjefm-1123	18	6	been	be	AUX
arjefm-1123	18	7	recognized	recognize	VERB
arjefm-1123	18	8	as	as	ADP
arjefm-1123	18	9	an	an	DET
arjefm-1123	18	10	essential	essential	ADJ
arjefm-1123	18	11	tool	tool	NOUN
arjefm-1123	18	12	for	for	ADP
arjefm-1123	18	13	promoting	promote	VERB
arjefm-1123	18	14	the	the	DET
arjefm-1123	18	15	growth	growth	NOUN
arjefm-1123	18	16	of	of	ADP
arjefm-1123	18	17	small	small	ADJ
arjefm-1123	18	18	and	and	CCONJ
arjefm-1123	18	19	medium	medium	ADJ
arjefm-1123	18	20	scale	scale	NOUN
arjefm-1123	18	21	enterprises	enterprise	NOUN
arjefm-1123	18	22	(	(	PUNCT
arjefm-1123	18	23	ajagba	ajagba	NOUN
arjefm-1123	18	24	and	and	CCONJ
arjefm-1123	18	25	bolaji	bolaji	NOUN
arjefm-1123	18	26	2013	2013	NUM
arjefm-1123	18	27	)	)	PUNCT
arjefm-1123	18	28	.	.	PUNCT
arjefm-1123	19	1	the	the	DET
arjefm-1123	19	2	introduction	introduction	NOUN
arjefm-1123	19	3	of	of	ADP
arjefm-1123	19	4	microfinance	microfinance	NOUN
arjefm-1123	19	5	bank	bank	PROPN
arjefm-1123	19	6	in	in	ADP
arjefm-1123	19	7	nigeria	nigeria	PROPN
arjefm-1123	19	8	is	be	AUX
arjefm-1123	19	9	as	as	ADP
arjefm-1123	19	10	a	a	DET
arjefm-1123	19	11	result	result	NOUN
arjefm-1123	19	12	of	of	ADP
arjefm-1123	19	13	the	the	DET
arjefm-1123	19	14	inability	inability	NOUN
arjefm-1123	19	15	of	of	ADP
arjefm-1123	19	16	nigerian	nigerian	ADJ
arjefm-1123	19	17	deposit	deposit	NOUN
arjefm-1123	19	18	money	money	NOUN
arjefm-1123	19	19	bank	bank	NOUN
arjefm-1123	19	20	(	(	PUNCT
arjefm-1123	19	21	dmn	dmn	PROPN
arjefm-1123	19	22	)	)	PUNCT
arjefm-1123	19	23	to	to	PART
arjefm-1123	19	24	provide	provide	VERB
arjefm-1123	19	25	sufficient	sufficient	ADJ
arjefm-1123	19	26	financial	financial	ADJ
arjefm-1123	19	27	service	service	NOUN
arjefm-1123	19	28	to	to	ADP
arjefm-1123	19	29	the	the	DET
arjefm-1123	19	30	rural	rural	ADJ
arjefm-1123	19	31	and	and	CCONJ
arjefm-1123	19	32	urban	urban	ADJ
arjefm-1123	19	33	poor	poor	ADJ
arjefm-1123	19	34	people	people	NOUN
arjefm-1123	19	35	(	(	PUNCT
arjefm-1123	19	36	central	central	ADJ
arjefm-1123	19	37	bank	bank	NOUN
arjefm-1123	19	38	for	for	ADP
arjefm-1123	19	39	nigeria	nigeria	PROPN
arjefm-1123	19	40	2005	2005	NUM
arjefm-1123	19	41	)	)	PUNCT
arjefm-1123	19	42	.	.	PUNCT
arjefm-1123	20	1	microfinance	microfinance	NOUN
arjefm-1123	20	2	banks	bank	NOUN
arjefm-1123	20	3	’	’	PART
arjefm-1123	20	4	lending	lending	NOUN
arjefm-1123	20	5	has	have	AUX
arjefm-1123	20	6	proven	prove	VERB
arjefm-1123	20	7	to	to	PART
arjefm-1123	20	8	be	be	AUX
arjefm-1123	20	9	a	a	DET
arjefm-1123	20	10	potent	potent	ADJ
arjefm-1123	20	11	tool	tool	NOUN
arjefm-1123	20	12	for	for	ADP
arjefm-1123	20	13	poverty	poverty	NOUN
arjefm-1123	20	14	reduction	reduction	NOUN
arjefm-1123	20	15	by	by	ADP
arjefm-1123	20	16	helping	help	VERB
arjefm-1123	20	17	the	the	DET
arjefm-1123	20	18	poor	poor	ADJ
arjefm-1123	20	19	to	to	ADP
arjefm-1123	20	20	becoming	become	VERB
arjefm-1123	20	21	entrepreneurs	entrepreneur	NOUN
arjefm-1123	20	22	.	.	PUNCT
arjefm-1123	21	1	as	as	SCONJ
arjefm-1123	21	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	21	3	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	21	4	american	american	PROPN
arjefm-1123	21	5	research	research	PROPN
arjefm-1123	21	6	journal	journal	PROPN
arjefm-1123	21	7	of	of	ADP
arjefm-1123	21	8	economics	economic	NOUN
arjefm-1123	21	9	,	,	PUNCT
arjefm-1123	21	10	finance	finance	NOUN
arjefm-1123	21	11	and	and	CCONJ
arjefm-1123	21	12	management	management	NOUN
arjefm-1123	21	13	volume	volume	NOUN
arjefm-1123	21	14	12	12	NUM
arjefm-1123	21	15	issue	issue	NOUN
arjefm-1123	21	16	4	4	NUM
arjefm-1123	21	17	,	,	PUNCT
arjefm-1123	21	18	october	october	PROPN
arjefm-1123	21	19	-	-	PUNCT
arjefm-1123	21	20	december	december	PROPN
arjefm-1123	21	21	2024	2024	NUM
arjefm-1123	21	22	issn	issn	NOUN
arjefm-1123	21	23	:	:	PUNCT
arjefm-1123	21	24	2836	2836	NUM
arjefm-1123	21	25	-	-	SYM
arjefm-1123	21	26	9416	9416	NUM
arjefm-1123	21	27	impact	impact	NOUN
arjefm-1123	21	28	factor	factor	NOUN
arjefm-1123	21	29	:	:	PUNCT
arjefm-1123	21	30	5.57	5.57	NUM
arjefm-1123	21	31	journal	journal	NOUN
arjefm-1123	21	32	homepage	homepage	NOUN
arjefm-1123	21	33	:	:	PUNCT
arjefm-1123	21	34	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	21	35	,	,	PUNCT
arjefm-1123	21	36	email	email	NOUN
arjefm-1123	21	37	:	:	PUNCT
arjefm-1123	21	38	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	21	39	official	official	ADJ
arjefm-1123	21	40	journal	journal	PROPN
arjefm-1123	21	41	of	of	ADP
arjefm-1123	21	42	america	america	PROPN
arjefm-1123	21	43	serial	serial	PROPN
arjefm-1123	21	44	publication	publication	NOUN
arjefm-1123	21	45	american	american	PROPN
arjefm-1123	21	46	research	research	PROPN
arjefm-1123	21	47	journal	journal	PROPN
arjefm-1123	21	48	of	of	ADP
arjefm-1123	21	49	economics	economic	NOUN
arjefm-1123	21	50	,	,	PUNCT
arjefm-1123	21	51	finance	finance	NOUN
arjefm-1123	21	52	and	and	CCONJ
arjefm-1123	21	53	management	management	NOUN
arjefm-1123	21	54	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	21	55	,	,	PUNCT
arjefm-1123	21	56	email	email	NOUN
arjefm-1123	21	57	:	:	PUNCT
arjefm-1123	21	58	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	21	59	2	2	NUM
arjefm-1123	22	1	|	|	ADV
arjefm-1123	22	2	p	p	X
arjefm-1123	22	3	a	a	DET
arjefm-1123	22	4	g	g	NOUN
arjefm-1123	22	5	e	e	NOUN
arjefm-1123	22	6	entrepreneurs	entrepreneur	NOUN
arjefm-1123	22	7	increasing	increase	VERB
arjefm-1123	22	8	their	their	PRON
arjefm-1123	22	9	income	income	NOUN
arjefm-1123	22	10	,	,	PUNCT
arjefm-1123	22	11	smooth	smooth	ADJ
arjefm-1123	22	12	consumption	consumption	NOUN
arjefm-1123	22	13	,	,	PUNCT
arjefm-1123	22	14	build	build	VERB
arjefm-1123	22	15	assets	asset	NOUN
arjefm-1123	22	16	and	and	CCONJ
arjefm-1123	22	17	minimizing	minimize	VERB
arjefm-1123	22	18	their	their	PRON
arjefm-1123	22	19	vulnerabilities	vulnerability	NOUN
arjefm-1123	22	20	in	in	ADP
arjefm-1123	22	21	time	time	NOUN
arjefm-1123	22	22	of	of	ADP
arjefm-1123	22	23	contingencies	contingency	NOUN
arjefm-1123	22	24	and	and	CCONJ
arjefm-1123	22	25	economic	economic	ADJ
arjefm-1123	22	26	shock	shock	NOUN
arjefm-1123	22	27	(	(	PUNCT
arjefm-1123	22	28	dauda	dauda	NOUN
arjefm-1123	22	29	2007	2007	NUM
arjefm-1123	22	30	)	)	PUNCT
arjefm-1123	22	31	.	.	PUNCT
arjefm-1123	23	1	despite	despite	SCONJ
arjefm-1123	23	2	the	the	DET
arjefm-1123	23	3	abundant	abundant	ADJ
arjefm-1123	23	4	natural	natural	ADJ
arjefm-1123	23	5	resources	resource	NOUN
arjefm-1123	23	6	,	,	PUNCT
arjefm-1123	23	7	the	the	DET
arjefm-1123	23	8	country	country	NOUN
arjefm-1123	23	9	still	still	ADV
arjefm-1123	23	10	finds	find	VERB
arjefm-1123	23	11	it	it	PRON
arjefm-1123	23	12	very	very	ADV
arjefm-1123	23	13	difficult	difficult	ADJ
arjefm-1123	23	14	to	to	PART
arjefm-1123	23	15	discover	discover	VERB
arjefm-1123	23	16	her	her	PRON
arjefm-1123	23	17	developmental	developmental	ADJ
arjefm-1123	23	18	bearing	bearing	NOUN
arjefm-1123	23	19	since	since	SCONJ
arjefm-1123	23	20	independence	independence	NOUN
arjefm-1123	23	21	(	(	PUNCT
arjefm-1123	23	22	cbn	cbn	PROPN
arjefm-1123	23	23	2001	2001	NUM
arjefm-1123	23	24	)	)	PUNCT
arjefm-1123	23	25	.	.	PUNCT
arjefm-1123	24	1	most	most	ADJ
arjefm-1123	24	2	of	of	ADP
arjefm-1123	24	3	the	the	DET
arjefm-1123	24	4	poor	poor	ADJ
arjefm-1123	24	5	unemployed	unemployed	ADJ
arjefm-1123	24	6	nigerians	nigerians	PROPN
arjefm-1123	24	7	in	in	ADP
arjefm-1123	24	8	a	a	DET
arjefm-1123	24	9	bid	bid	NOUN
arjefm-1123	24	10	to	to	PART
arjefm-1123	24	11	improve	improve	VERB
arjefm-1123	24	12	their	their	PRON
arjefm-1123	24	13	standard	standard	NOUN
arjefm-1123	24	14	of	of	ADP
arjefm-1123	24	15	living	living	NOUN
arjefm-1123	24	16	have	have	AUX
arjefm-1123	24	17	resorted	resort	VERB
arjefm-1123	24	18	to	to	ADP
arjefm-1123	24	19	the	the	DET
arjefm-1123	24	20	establishment	establishment	NOUN
arjefm-1123	24	21	of	of	ADP
arjefm-1123	24	22	their	their	PRON
arjefm-1123	24	23	own	own	ADJ
arjefm-1123	24	24	businesses	business	NOUN
arjefm-1123	24	25	and	and	CCONJ
arjefm-1123	24	26	making	make	VERB
arjefm-1123	24	27	entrepreneurship	entrepreneurship	NOUN
arjefm-1123	24	28	fast	fast	ADV
arjefm-1123	24	29	becoming	become	VERB
arjefm-1123	24	30	a	a	DET
arjefm-1123	24	31	household	household	NOUN
arjefm-1123	24	32	name	name	NOUN
arjefm-1123	24	33	in	in	ADP
arjefm-1123	24	34	nigeria	nigeria	PROPN
arjefm-1123	24	35	(	(	PUNCT
arjefm-1123	24	36	ogunleye	ogunleye	ADJ
arjefm-1123	24	37	and	and	CCONJ
arjefm-1123	24	38	akanbi	akanbi	NOUN
arjefm-1123	24	39	2014	2014	NUM
arjefm-1123	24	40	)	)	PUNCT
arjefm-1123	24	41	.	.	PUNCT
arjefm-1123	25	1	the	the	DET
arjefm-1123	25	2	impact	impact	NOUN
arjefm-1123	25	3	of	of	ADP
arjefm-1123	25	4	microfinance	microfinance	NOUN
arjefm-1123	25	5	bank	bank	NOUN
arjefm-1123	25	6	on	on	ADP
arjefm-1123	25	7	small	small	ADJ
arjefm-1123	25	8	and	and	CCONJ
arjefm-1123	25	9	medium	medium	ADJ
arjefm-1123	25	10	scale	scale	NOUN
arjefm-1123	25	11	enterprises	enterprise	NOUN
arjefm-1123	25	12	(	(	PUNCT
arjefm-1123	25	13	smes	sme	NOUN
arjefm-1123	25	14	)	)	PUNCT
arjefm-1123	25	15	have	have	AUX
arjefm-1123	25	16	raised	raise	VERB
arjefm-1123	25	17	the	the	DET
arjefm-1123	25	18	bar	bar	NOUN
arjefm-1123	25	19	of	of	ADP
arjefm-1123	25	20	entrepreneurship	entrepreneurship	NOUN
arjefm-1123	25	21	in	in	ADP
arjefm-1123	25	22	most	most	ADJ
arjefm-1123	25	23	sectors	sector	NOUN
arjefm-1123	25	24	of	of	ADP
arjefm-1123	25	25	the	the	DET
arjefm-1123	25	26	nigeria	nigeria	PROPN
arjefm-1123	25	27	economy	economy	NOUN
arjefm-1123	25	28	(	(	PUNCT
arjefm-1123	25	29	central	central	ADJ
arjefm-1123	25	30	bank	bank	NOUN
arjefm-1123	25	31	of	of	ADP
arjefm-1123	25	32	nigeria,2005	nigeria,2005	PROPN
arjefm-1123	25	33	)	)	PUNCT
arjefm-1123	25	34	.	.	PUNCT
arjefm-1123	26	1	nigeria	nigeria	PROPN
arjefm-1123	26	2	has	have	VERB
arjefm-1123	26	3	the	the	DET
arjefm-1123	26	4	largest	large	ADJ
arjefm-1123	26	5	population	population	NOUN
arjefm-1123	26	6	in	in	ADP
arjefm-1123	26	7	sub	sub	ADJ
arjefm-1123	26	8	-	-	ADJ
arjefm-1123	26	9	sahara	sahara	ADJ
arjefm-1123	26	10	africa	africa	PROPN
arjefm-1123	26	11	with	with	ADP
arjefm-1123	26	12	estimated	estimate	VERB
arjefm-1123	26	13	population	population	NOUN
arjefm-1123	26	14	of	of	ADP
arjefm-1123	26	15	about	about	ADV
arjefm-1123	26	16	over	over	ADP
arjefm-1123	26	17	200	200	NUM
arjefm-1123	26	18	million	million	NUM
arjefm-1123	26	19	out	out	ADP
arjefm-1123	26	20	of	of	ADP
arjefm-1123	26	21	total	total	NOUN
arjefm-1123	26	22	of	of	ADP
arjefm-1123	26	23	1.5	1.5	NUM
arjefm-1123	26	24	million	million	NUM
arjefm-1123	26	25	in	in	ADP
arjefm-1123	26	26	african	african	PROPN
arjefm-1123	26	27	(	(	PUNCT
arjefm-1123	26	28	oluwuyii	oluwuyii	PROPN
arjefm-1123	26	29	et	et	PROPN
arjefm-1123	26	30	al	al	PROPN
arjefm-1123	26	31	2010	2010	NUM
arjefm-1123	26	32	)	)	PUNCT
arjefm-1123	26	33	.	.	PUNCT
arjefm-1123	27	1	based	base	VERB
arjefm-1123	27	2	on	on	ADP
arjefm-1123	27	3	data	datum	NOUN
arjefm-1123	27	4	provided	provide	VERB
arjefm-1123	27	5	by	by	ADP
arjefm-1123	27	6	the	the	DET
arjefm-1123	27	7	nigerian	nigerian	ADJ
arjefm-1123	27	8	bureau	bureau	PROPN
arjefm-1123	27	9	of	of	ADP
arjefm-1123	27	10	statistics	statistic	NOUN
arjefm-1123	27	11	(	(	PUNCT
arjefm-1123	27	12	nbs	nbs	PROPN
arjefm-1123	27	13	)	)	PUNCT
arjefm-1123	27	14	the	the	DET
arjefm-1123	27	15	unemployment	unemployment	NOUN
arjefm-1123	27	16	rate	rate	NOUN
arjefm-1123	27	17	in	in	ADP
arjefm-1123	27	18	nigeria	nigeria	PROPN
arjefm-1123	27	19	has	have	AUX
arjefm-1123	27	20	increased	increase	VERB
arjefm-1123	27	21	from	from	ADP
arjefm-1123	27	22	7.4	7.4	NUM
arjefm-1123	27	23	%	%	NOUN
arjefm-1123	27	24	in	in	ADP
arjefm-1123	27	25	first	first	ADJ
arjefm-1123	27	26	quarter	quarter	NOUN
arjefm-1123	27	27	to	to	ADP
arjefm-1123	27	28	8.2	8.2	NUM
arjefm-1123	27	29	%	%	NOUN
arjefm-1123	27	30	in	in	ADP
arjefm-1123	27	31	second	second	ADJ
arjefm-1123	27	32	quarter	quarter	NOUN
arjefm-1123	27	33	and	and	CCONJ
arjefm-1123	27	34	9.90	9.90	NUM
arjefm-1123	27	35	%	%	NOUN
arjefm-1123	27	36	in	in	ADP
arjefm-1123	27	37	third	third	ADJ
arjefm-1123	27	38	quarter	quarter	NOUN
arjefm-1123	27	39	of	of	ADP
arjefm-1123	27	40	2015	2015	NUM
arjefm-1123	27	41	,	,	PUNCT
arjefm-1123	27	42	while	while	SCONJ
arjefm-1123	27	43	6.4	6.4	NUM
arjefm-1123	27	44	%	%	NOUN
arjefm-1123	27	45	in	in	ADP
arjefm-1123	27	46	the	the	DET
arjefm-1123	27	47	last	last	ADJ
arjefm-1123	27	48	quarter	quarter	NOUN
arjefm-1123	27	49	of	of	ADP
arjefm-1123	27	50	2014	2014	NUM
arjefm-1123	27	51	and	and	CCONJ
arjefm-1123	27	52	a	a	DET
arjefm-1123	27	53	decline	decline	NOUN
arjefm-1123	27	54	of	of	ADP
arjefm-1123	27	55	24.7	24.7	NUM
arjefm-1123	27	56	%	%	NOUN
arjefm-1123	27	57	in	in	ADP
arjefm-1123	27	58	2013	2013	NUM
arjefm-1123	27	59	,	,	PUNCT
arjefm-1123	27	60	compared	compare	VERB
arjefm-1123	27	61	to	to	ADP
arjefm-1123	27	62	27.4	27.4	NUM
arjefm-1123	27	63	%	%	NOUN
arjefm-1123	27	64	in	in	ADP
arjefm-1123	27	65	2012	2012	NUM
arjefm-1123	27	66	,	,	PUNCT
arjefm-1123	27	67	23.9	23.9	NUM
arjefm-1123	27	68	%	%	NOUN
arjefm-1123	27	69	in	in	ADP
arjefm-1123	27	70	2011	2011	NUM
arjefm-1123	27	71	,	,	PUNCT
arjefm-1123	27	72	21.4	21.4	NUM
arjefm-1123	27	73	%	%	NOUN
arjefm-1123	27	74	in	in	ADP
arjefm-1123	27	75	2010	2010	NUM
arjefm-1123	27	76	and	and	CCONJ
arjefm-1123	27	77	a	a	DET
arjefm-1123	27	78	decline	decline	NOUN
arjefm-1123	27	79	of	of	ADP
arjefm-1123	27	80	24.8	24.8	NUM
arjefm-1123	27	81	%	%	NOUN
arjefm-1123	27	82	in	in	ADP
arjefm-1123	27	83	2003	2003	NUM
arjefm-1123	27	84	,	,	PUNCT
arjefm-1123	27	85	decline	decline	NOUN
arjefm-1123	27	86	of	of	ADP
arjefm-1123	27	87	12.6	12.6	NUM
arjefm-1123	27	88	%	%	NOUN
arjefm-1123	27	89	in	in	ADP
arjefm-1123	27	90	2002	2002	NUM
arjefm-1123	27	91	,	,	PUNCT
arjefm-1123	27	92	13.6	13.6	NUM
arjefm-1123	27	93	%	%	NOUN
arjefm-1123	27	94	increase	increase	NOUN
arjefm-1123	27	95	in	in	ADP
arjefm-1123	27	96	2001	2001	NUM
arjefm-1123	27	97	and	and	CCONJ
arjefm-1123	27	98	13.1	13.1	NUM
arjefm-1123	27	99	%	%	NOUN
arjefm-1123	27	100	in	in	ADP
arjefm-1123	27	101	2000	2000	NUM
arjefm-1123	27	102	respectively	respectively	ADV
arjefm-1123	27	103	.	.	PUNCT
arjefm-1123	28	1	in	in	ADP
arjefm-1123	28	2	order	order	NOUN
arjefm-1123	28	3	to	to	PART
arjefm-1123	28	4	boost	boost	VERB
arjefm-1123	28	5	employment	employment	NOUN
arjefm-1123	28	6	in	in	ADP
arjefm-1123	28	7	nigeria	nigeria	PROPN
arjefm-1123	28	8	,	,	PUNCT
arjefm-1123	28	9	the	the	DET
arjefm-1123	28	10	government	government	NOUN
arjefm-1123	28	11	has	have	AUX
arjefm-1123	28	12	focused	focus	VERB
arjefm-1123	28	13	on	on	ADP
arjefm-1123	28	14	the	the	DET
arjefm-1123	28	15	area	area	NOUN
arjefm-1123	28	16	of	of	ADP
arjefm-1123	28	17	delivery	delivery	NOUN
arjefm-1123	28	18	to	to	ADP
arjefm-1123	28	19	the	the	DET
arjefm-1123	28	20	poor	poor	ADJ
arjefm-1123	28	21	and	and	CCONJ
arjefm-1123	28	22	small	small	ADJ
arjefm-1123	28	23	and	and	CCONJ
arjefm-1123	28	24	medium	medium	ADJ
arjefm-1123	28	25	enterprise	enterprise	NOUN
arjefm-1123	28	26	(	(	PUNCT
arjefm-1123	28	27	smes	sme	NOUN
arjefm-1123	28	28	(	(	PUNCT
arjefm-1123	28	29	khandker	khandker	NOUN
arjefm-1123	28	30	2013	2013	NUM
arjefm-1123	28	31	)	)	PUNCT
arjefm-1123	28	32	.	.	PUNCT
arjefm-1123	29	1	efforts	effort	NOUN
arjefm-1123	29	2	in	in	ADP
arjefm-1123	29	3	this	this	DET
arjefm-1123	29	4	respect	respect	NOUN
arjefm-1123	29	5	include	include	VERB
arjefm-1123	29	6	developing	develop	VERB
arjefm-1123	29	7	policies	policy	NOUN
arjefm-1123	29	8	and	and	CCONJ
arjefm-1123	29	9	creating	create	VERB
arjefm-1123	29	10	institutions	institution	NOUN
arjefm-1123	29	11	for	for	ADP
arjefm-1123	29	12	mobilizing	mobilize	VERB
arjefm-1123	29	13	and	and	CCONJ
arjefm-1123	29	14	deploying	deploy	VERB
arjefm-1123	29	15	capital	capital	NOUN
arjefm-1123	29	16	funds	fund	NOUN
arjefm-1123	29	17	to	to	ADP
arjefm-1123	29	18	smes	sme	NOUN
arjefm-1123	29	19	to	to	PART
arjefm-1123	29	20	encourage	encourage	VERB
arjefm-1123	29	21	employment	employment	NOUN
arjefm-1123	29	22	and	and	CCONJ
arjefm-1123	29	23	productivity	productivity	NOUN
arjefm-1123	29	24	(	(	PUNCT
arjefm-1123	29	25	akinboyo	akinboyo	NOUN
arjefm-1123	29	26	2007	2007	NUM
arjefm-1123	29	27	)	)	PUNCT
arjefm-1123	29	28	the	the	DET
arjefm-1123	29	29	population	population	NOUN
arjefm-1123	29	30	explosion	explosion	NOUN
arjefm-1123	29	31	in	in	ADP
arjefm-1123	29	32	nigeria	nigeria	PROPN
arjefm-1123	29	33	and	and	CCONJ
arjefm-1123	29	34	the	the	DET
arjefm-1123	29	35	inability	inability	NOUN
arjefm-1123	29	36	of	of	ADP
arjefm-1123	29	37	government	government	NOUN
arjefm-1123	29	38	and	and	CCONJ
arjefm-1123	29	39	the	the	DET
arjefm-1123	29	40	conventional	conventional	ADJ
arjefm-1123	29	41	financial	financial	ADJ
arjefm-1123	29	42	institution	institution	NOUN
arjefm-1123	29	43	(	(	PUNCT
arjefm-1123	29	44	bank	bank	NOUN
arjefm-1123	29	45	)	)	PUNCT
arjefm-1123	29	46	to	to	PART
arjefm-1123	29	47	handle	handle	VERB
arjefm-1123	29	48	the	the	DET
arjefm-1123	29	49	ever	ever	ADV
arjefm-1123	29	50	increased	increase	VERB
arjefm-1123	29	51	demand	demand	NOUN
arjefm-1123	29	52	for	for	ADP
arjefm-1123	29	53	finance	finance	NOUN
arjefm-1123	29	54	of	of	ADP
arjefm-1123	29	55	businesses	business	NOUN
arjefm-1123	29	56	,	,	PUNCT
arjefm-1123	29	57	gave	give	VERB
arjefm-1123	29	58	birth	birth	NOUN
arjefm-1123	29	59	to	to	ADP
arjefm-1123	29	60	the	the	DET
arjefm-1123	29	61	micro	micro	ADJ
arjefm-1123	29	62	-	-	ADJ
arjefm-1123	29	63	finance	finance	ADJ
arjefm-1123	29	64	banking	banking	NOUN
arjefm-1123	29	65	system	system	NOUN
arjefm-1123	29	66	.	.	PUNCT
arjefm-1123	30	1	these	these	DET
arjefm-1123	30	2	micro	micro	PROPN
arjefm-1123	30	3	finance	finance	PROPN
arjefm-1123	30	4	bank	bank	NOUN
arjefm-1123	30	5	policies	policy	NOUN
arjefm-1123	30	6	are	be	AUX
arjefm-1123	30	7	such	such	ADJ
arjefm-1123	30	8	that	that	SCONJ
arjefm-1123	30	9	they	they	PRON
arjefm-1123	30	10	are	be	AUX
arjefm-1123	30	11	geared	gear	VERB
arjefm-1123	30	12	towards	towards	ADP
arjefm-1123	30	13	eliminating	eliminate	VERB
arjefm-1123	30	14	poverty	poverty	NOUN
arjefm-1123	30	15	by	by	ADP
arjefm-1123	30	16	committing	commit	VERB
arjefm-1123	30	17	to	to	ADP
arjefm-1123	30	18	the	the	DET
arjefm-1123	30	19	empowerment	empowerment	NOUN
arjefm-1123	30	20	of	of	ADP
arjefm-1123	30	21	low	low	ADJ
arjefm-1123	30	22	income	income	NOUN
arjefm-1123	30	23	nigerians	nigerians	PROPN
arjefm-1123	30	24	through	through	ADP
arjefm-1123	30	25	creation	creation	NOUN
arjefm-1123	30	26	of	of	ADP
arjefm-1123	30	27	access	access	NOUN
arjefm-1123	30	28	to	to	ADP
arjefm-1123	30	29	responsive	responsive	ADJ
arjefm-1123	30	30	financial	financial	ADJ
arjefm-1123	30	31	services	service	NOUN
arjefm-1123	30	32	on	on	ADP
arjefm-1123	30	33	a	a	DET
arjefm-1123	30	34	suitable	suitable	ADJ
arjefm-1123	30	35	basis	basis	NOUN
arjefm-1123	30	36	.	.	PUNCT
arjefm-1123	31	1	this	this	PRON
arjefm-1123	31	2	is	be	AUX
arjefm-1123	31	3	transmitted	transmit	VERB
arjefm-1123	31	4	to	to	ADP
arjefm-1123	31	5	applicants	applicant	NOUN
arjefm-1123	31	6	in	in	ADP
arjefm-1123	31	7	a	a	DET
arjefm-1123	31	8	cost	cost	NOUN
arjefm-1123	31	9	effective	effective	ADJ
arjefm-1123	31	10	and	and	CCONJ
arjefm-1123	31	11	inventive	inventive	ADJ
arjefm-1123	31	12	way	way	NOUN
arjefm-1123	31	13	.	.	PUNCT
arjefm-1123	32	1	the	the	DET
arjefm-1123	32	2	establishment	establishment	NOUN
arjefm-1123	32	3	micro	micro	PROPN
arjefm-1123	32	4	finance	finance	NOUN
arjefm-1123	32	5	banks	bank	NOUN
arjefm-1123	32	6	,	,	PUNCT
arjefm-1123	32	7	was	be	AUX
arjefm-1123	32	8	created	create	VERB
arjefm-1123	32	9	in	in	ADP
arjefm-1123	32	10	the	the	DET
arjefm-1123	32	11	year	year	NOUN
arjefm-1123	32	12	1987	1987	NUM
arjefm-1123	32	13	to	to	PART
arjefm-1123	32	14	assist	assist	VERB
arjefm-1123	32	15	citizens	citizen	NOUN
arjefm-1123	32	16	of	of	ADP
arjefm-1123	32	17	the	the	DET
arjefm-1123	32	18	country	country	NOUN
arjefm-1123	32	19	(	(	PUNCT
arjefm-1123	32	20	nigeria	nigeria	PROPN
arjefm-1123	32	21	)	)	PUNCT
arjefm-1123	32	22	break	break	VERB
arjefm-1123	32	23	out	out	ADP
arjefm-1123	32	24	of	of	ADP
arjefm-1123	32	25	the	the	DET
arjefm-1123	32	26	problem	problem	NOUN
arjefm-1123	32	27	of	of	ADP
arjefm-1123	32	28	poverty	poverty	NOUN
arjefm-1123	32	29	(	(	PUNCT
arjefm-1123	32	30	okpara	okpara	NOUN
arjefm-1123	32	31	2010	2010	NUM
arjefm-1123	32	32	)	)	PUNCT
arjefm-1123	32	33	.	.	PUNCT
arjefm-1123	33	1	however	however	ADV
arjefm-1123	33	2	,	,	PUNCT
arjefm-1123	33	3	the	the	DET
arjefm-1123	33	4	extension	extension	NOUN
arjefm-1123	33	5	for	for	ADP
arjefm-1123	33	6	the	the	DET
arjefm-1123	33	7	creation	creation	NOUN
arjefm-1123	33	8	of	of	ADP
arjefm-1123	33	9	the	the	DET
arjefm-1123	33	10	institution	institution	NOUN
arjefm-1123	33	11	is	be	AUX
arjefm-1123	33	12	not	not	PART
arjefm-1123	33	13	being	be	AUX
arjefm-1123	33	14	actualized	actualize	VERB
arjefm-1123	33	15	due	due	ADJ
arjefm-1123	33	16	to	to	ADP
arjefm-1123	33	17	some	some	DET
arjefm-1123	33	18	economic	economic	ADJ
arjefm-1123	33	19	indices	index	NOUN
arjefm-1123	33	20	(	(	PUNCT
arjefm-1123	33	21	inflation	inflation	NOUN
arjefm-1123	33	22	,	,	PUNCT
arjefm-1123	33	23	eco	eco	NOUN
arjefm-1123	33	24	-	-	PUNCT
arjefm-1123	33	25	recession	recession	NOUN
arjefm-1123	33	26	and	and	CCONJ
arjefm-1123	33	27	depression	depression	NOUN
arjefm-1123	33	28	)	)	PUNCT
arjefm-1123	33	29	and	and	CCONJ
arjefm-1123	33	30	the	the	DET
arjefm-1123	33	31	operation	operation	NOUN
arjefm-1123	33	32	of	of	ADP
arjefm-1123	33	33	the	the	DET
arjefm-1123	33	34	organization	organization	NOUN
arjefm-1123	33	35	.	.	PUNCT
arjefm-1123	34	1	generally	generally	ADV
arjefm-1123	34	2	micro	micro	VERB
arjefm-1123	34	3	finance	finance	NOUN
arjefm-1123	34	4	banks	bank	NOUN
arjefm-1123	34	5	require	require	VERB
arjefm-1123	34	6	certain	certain	ADJ
arjefm-1123	34	7	percentage	percentage	NOUN
arjefm-1123	34	8	of	of	ADP
arjefm-1123	34	9	loan	loan	NOUN
arjefm-1123	34	10	granted	grant	VERB
arjefm-1123	34	11	to	to	PART
arjefm-1123	34	12	be	be	AUX
arjefm-1123	34	13	repaid	repay	VERB
arjefm-1123	34	14	monthly	monthly	ADV
arjefm-1123	34	15	by	by	ADP
arjefm-1123	34	16	borrowers	borrower	NOUN
arjefm-1123	34	17	in	in	ADP
arjefm-1123	34	18	course	course	NOUN
arjefm-1123	34	19	of	of	ADP
arjefm-1123	34	20	servicing	service	VERB
arjefm-1123	34	21	their	their	PRON
arjefm-1123	34	22	borrowings	borrowing	NOUN
arjefm-1123	34	23	,	,	PUNCT
arjefm-1123	34	24	e.g	e.g	PRON
arjefm-1123	34	25	lapo	lapo	NOUN
arjefm-1123	34	26	will	will	AUX
arjefm-1123	34	27	require	require	VERB
arjefm-1123	34	28	5	5	NUM
arjefm-1123	34	29	%	%	NOUN
arjefm-1123	34	30	of	of	ADP
arjefm-1123	34	31	loan	loan	NOUN
arjefm-1123	34	32	disbursed	disburse	VERB
arjefm-1123	34	33	to	to	PART
arjefm-1123	34	34	be	be	AUX
arjefm-1123	34	35	returned	return	VERB
arjefm-1123	34	36	monthly	monthly	ADV
arjefm-1123	34	37	.	.	PUNCT
arjefm-1123	35	1	in	in	ADP
arjefm-1123	35	2	this	this	DET
arjefm-1123	35	3	situation	situation	NOUN
arjefm-1123	35	4	,	,	PUNCT
arjefm-1123	35	5	except	except	SCONJ
arjefm-1123	35	6	there	there	PRON
arjefm-1123	35	7	is	be	VERB
arjefm-1123	35	8	so	so	ADV
arjefm-1123	35	9	much	much	ADJ
arjefm-1123	35	10	profit	profit	NOUN
arjefm-1123	35	11	made	make	VERB
arjefm-1123	35	12	within	within	ADP
arjefm-1123	35	13	the	the	DET
arjefm-1123	35	14	staggered	staggered	ADJ
arjefm-1123	35	15	period	period	NOUN
arjefm-1123	35	16	their	their	PRON
arjefm-1123	35	17	deposit	deposit	NOUN
arjefm-1123	35	18	liabilities	liability	NOUN
arjefm-1123	35	19	is	be	AUX
arjefm-1123	35	20	expected	expect	VERB
arjefm-1123	35	21	to	to	PART
arjefm-1123	35	22	shrink	shrink	VERB
arjefm-1123	35	23	with	with	ADP
arjefm-1123	35	24	in	in	ADP
arjefm-1123	35	25	the	the	DET
arjefm-1123	35	26	period	period	NOUN
arjefm-1123	35	27	,	,	PUNCT
arjefm-1123	35	28	in	in	ADP
arjefm-1123	35	29	the	the	DET
arjefm-1123	35	30	presence	presence	NOUN
arjefm-1123	35	31	of	of	ADP
arjefm-1123	35	32	inflation	inflation	NOUN
arjefm-1123	35	33	,	,	PUNCT
arjefm-1123	35	34	this	this	DET
arjefm-1123	35	35	procedure	procedure	NOUN
arjefm-1123	35	36	portends	portend	VERB
arjefm-1123	35	37	trouble	trouble	NOUN
arjefm-1123	35	38	for	for	ADP
arjefm-1123	35	39	the	the	DET
arjefm-1123	35	40	entrepreneurs	entrepreneur	NOUN
arjefm-1123	35	41	.	.	PUNCT
arjefm-1123	36	1	as	as	ADP
arjefm-1123	36	2	a	a	DET
arjefm-1123	36	3	result	result	NOUN
arjefm-1123	36	4	most	most	ADJ
arjefm-1123	36	5	microfinance	microfinance	NOUN
arjefm-1123	36	6	institutions	institution	NOUN
arjefm-1123	36	7	will	will	AUX
arjefm-1123	36	8	not	not	PART
arjefm-1123	36	9	be	be	AUX
arjefm-1123	36	10	able	able	ADJ
arjefm-1123	36	11	to	to	PART
arjefm-1123	36	12	extent	extent	VERB
arjefm-1123	36	13	credit	credit	NOUN
arjefm-1123	36	14	facilities	facility	NOUN
arjefm-1123	36	15	to	to	ADP
arjefm-1123	36	16	small	small	ADJ
arjefm-1123	36	17	and	and	CCONJ
arjefm-1123	36	18	medium	medium	ADJ
arjefm-1123	36	19	entrepreneurs	entrepreneur	NOUN
arjefm-1123	36	20	which	which	PRON
arjefm-1123	36	21	can	can	AUX
arjefm-1123	36	22	affect	affect	VERB
arjefm-1123	36	23	their	their	PRON
arjefm-1123	36	24	operation	operation	NOUN
arjefm-1123	36	25	adversely	adversely	ADV
arjefm-1123	36	26	.	.	PUNCT
arjefm-1123	37	1	also	also	ADV
arjefm-1123	37	2	,	,	PUNCT
arjefm-1123	37	3	there	there	PRON
arjefm-1123	37	4	are	be	VERB
arjefm-1123	37	5	several	several	ADJ
arjefm-1123	37	6	cases	case	NOUN
arjefm-1123	37	7	of	of	ADP
arjefm-1123	37	8	unserviced	unserviced	ADJ
arjefm-1123	37	9	loans	loan	NOUN
arjefm-1123	37	10	,	,	PUNCT
arjefm-1123	37	11	while	while	SCONJ
arjefm-1123	37	12	others	other	NOUN
arjefm-1123	37	13	totally	totally	ADV
arjefm-1123	37	14	default	default	VERB
arjefm-1123	37	15	in	in	ADP
arjefm-1123	37	16	their	their	PRON
arjefm-1123	37	17	repayment	repayment	NOUN
arjefm-1123	37	18	.	.	PUNCT
arjefm-1123	38	1	overall	overall	ADJ
arjefm-1123	38	2	consequence	consequence	NOUN
arjefm-1123	38	3	is	be	AUX
arjefm-1123	38	4	that	that	SCONJ
arjefm-1123	38	5	,	,	PUNCT
arjefm-1123	38	6	all	all	DET
arjefm-1123	38	7	this	this	PRON
arjefm-1123	38	8	hinder	hinder	VERB
arjefm-1123	38	9	the	the	DET
arjefm-1123	38	10	activities	activity	NOUN
arjefm-1123	38	11	of	of	ADP
arjefm-1123	38	12	the	the	DET
arjefm-1123	38	13	microfinance	microfinance	NOUN
arjefm-1123	38	14	banks	bank	NOUN
arjefm-1123	38	15	.	.	PUNCT
arjefm-1123	39	1	while	while	SCONJ
arjefm-1123	39	2	the	the	DET
arjefm-1123	39	3	above	above	ADJ
arjefm-1123	39	4	are	be	AUX
arjefm-1123	39	5	problems	problem	NOUN
arjefm-1123	39	6	exists	exist	VERB
arjefm-1123	39	7	,	,	PUNCT
arjefm-1123	39	8	another	another	DET
arjefm-1123	39	9	issue	issue	NOUN
arjefm-1123	39	10	is	be	AUX
arjefm-1123	39	11	that	that	SCONJ
arjefm-1123	39	12	the	the	DET
arjefm-1123	39	13	process	process	NOUN
arjefm-1123	39	14	of	of	ADP
arjefm-1123	39	15	accessing	access	VERB
arjefm-1123	39	16	loan	loan	NOUN
arjefm-1123	39	17	is	be	AUX
arjefm-1123	39	18	tedious	tedious	ADJ
arjefm-1123	39	19	and	and	CCONJ
arjefm-1123	39	20	require	require	VERB
arjefm-1123	39	21	guarantors	guarantor	NOUN
arjefm-1123	39	22	to	to	PART
arjefm-1123	39	23	access	access	VERB
arjefm-1123	39	24	the	the	DET
arjefm-1123	39	25	loan	loan	NOUN
arjefm-1123	39	26	as	as	ADP
arjefm-1123	39	27	by	by	ADP
arjefm-1123	39	28	way	way	NOUN
arjefm-1123	39	29	of	of	ADP
arjefm-1123	39	30	policy	policy	NOUN
arjefm-1123	39	31	they	they	PRON
arjefm-1123	39	32	may	may	AUX
arjefm-1123	39	33	not	not	PART
arjefm-1123	39	34	demand	demand	VERB
arjefm-1123	39	35	collateral	collateral	NOUN
arjefm-1123	39	36	.	.	PUNCT
arjefm-1123	40	1	experiences	experience	NOUN
arjefm-1123	40	2	of	of	ADP
arjefm-1123	40	3	the	the	DET
arjefm-1123	40	4	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	40	5	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	40	6	american	american	PROPN
arjefm-1123	40	7	research	research	PROPN
arjefm-1123	40	8	journal	journal	PROPN
arjefm-1123	40	9	of	of	ADP
arjefm-1123	40	10	economics	economic	NOUN
arjefm-1123	40	11	,	,	PUNCT
arjefm-1123	40	12	finance	finance	NOUN
arjefm-1123	40	13	and	and	CCONJ
arjefm-1123	40	14	management	management	NOUN
arjefm-1123	40	15	volume	volume	NOUN
arjefm-1123	40	16	12	12	NUM
arjefm-1123	40	17	issue	issue	NOUN
arjefm-1123	40	18	4	4	NUM
arjefm-1123	40	19	,	,	PUNCT
arjefm-1123	40	20	october	october	PROPN
arjefm-1123	40	21	-	-	PUNCT
arjefm-1123	40	22	december	december	PROPN
arjefm-1123	40	23	2024	2024	NUM
arjefm-1123	40	24	issn	issn	NOUN
arjefm-1123	40	25	:	:	PUNCT
arjefm-1123	40	26	2836	2836	NUM
arjefm-1123	40	27	-	-	SYM
arjefm-1123	40	28	9416	9416	NUM
arjefm-1123	40	29	impact	impact	NOUN
arjefm-1123	40	30	factor	factor	NOUN
arjefm-1123	40	31	:	:	PUNCT
arjefm-1123	40	32	5.57	5.57	NUM
arjefm-1123	40	33	journal	journal	NOUN
arjefm-1123	40	34	homepage	homepage	NOUN
arjefm-1123	40	35	:	:	PUNCT
arjefm-1123	40	36	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	40	37	,	,	PUNCT
arjefm-1123	40	38	email	email	NOUN
arjefm-1123	40	39	:	:	PUNCT
arjefm-1123	40	40	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	40	41	official	official	ADJ
arjefm-1123	40	42	journal	journal	PROPN
arjefm-1123	40	43	of	of	ADP
arjefm-1123	40	44	america	america	PROPN
arjefm-1123	40	45	serial	serial	PROPN
arjefm-1123	40	46	publication	publication	NOUN
arjefm-1123	40	47	american	american	PROPN
arjefm-1123	40	48	research	research	PROPN
arjefm-1123	40	49	journal	journal	PROPN
arjefm-1123	40	50	of	of	ADP
arjefm-1123	40	51	economics	economic	NOUN
arjefm-1123	40	52	,	,	PUNCT
arjefm-1123	40	53	finance	finance	NOUN
arjefm-1123	40	54	and	and	CCONJ
arjefm-1123	40	55	management	management	NOUN
arjefm-1123	40	56	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	40	57	,	,	PUNCT
arjefm-1123	40	58	email	email	NOUN
arjefm-1123	40	59	:	:	PUNCT
arjefm-1123	40	60	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	41	1	3	3	NUM
arjefm-1123	42	1	|	|	ADV
arjefm-1123	42	2	p	p	X
arjefm-1123	42	3	a	a	DET
arjefm-1123	42	4	g	g	NOUN
arjefm-1123	42	5	e	e	X
arjefm-1123	42	6	past	past	NOUN
arjefm-1123	42	7	(	(	PUNCT
arjefm-1123	42	8	loan	loan	NOUN
arjefm-1123	42	9	collectors	collector	NOUN
arjefm-1123	42	10	absconding	abscond	VERB
arjefm-1123	42	11	after	after	ADP
arjefm-1123	42	12	accessing	access	VERB
arjefm-1123	42	13	loans	loan	NOUN
arjefm-1123	42	14	)	)	PUNCT
arjefm-1123	42	15	has	have	AUX
arjefm-1123	42	16	made	make	VERB
arjefm-1123	42	17	guarantors	guarantor	NOUN
arjefm-1123	42	18	be	be	AUX
arjefm-1123	42	19	in	in	ADP
arjefm-1123	42	20	short	short	ADJ
arjefm-1123	42	21	supplies	supply	NOUN
arjefm-1123	42	22	these	these	DET
arjefm-1123	42	23	days	day	NOUN
arjefm-1123	42	24	.	.	PUNCT
arjefm-1123	43	1	inability	inability	NOUN
arjefm-1123	43	2	to	to	PART
arjefm-1123	43	3	access	access	VERB
arjefm-1123	43	4	loan	loan	NOUN
arjefm-1123	43	5	and	and	CCONJ
arjefm-1123	43	6	use	use	VERB
arjefm-1123	43	7	them	they	PRON
arjefm-1123	43	8	when	when	SCONJ
arjefm-1123	43	9	required	require	VERB
arjefm-1123	43	10	have	have	VERB
arjefm-1123	43	11	serious	serious	ADJ
arjefm-1123	43	12	effect	effect	NOUN
arjefm-1123	43	13	on	on	ADP
arjefm-1123	43	14	the	the	DET
arjefm-1123	43	15	smes	sme	NOUN
arjefm-1123	43	16	and	and	CCONJ
arjefm-1123	43	17	the	the	DET
arjefm-1123	43	18	economy	economy	NOUN
arjefm-1123	43	19	in	in	ADP
arjefm-1123	43	20	general	general	ADJ
arjefm-1123	43	21	.	.	PUNCT
arjefm-1123	44	1	all	all	DET
arjefm-1123	44	2	these	these	PRON
arjefm-1123	44	3	has	have	AUX
arjefm-1123	44	4	led	lead	VERB
arjefm-1123	44	5	to	to	PART
arjefm-1123	44	6	question	question	NOUN
arjefm-1123	44	7	being	be	AUX
arjefm-1123	44	8	raised	raise	VERB
arjefm-1123	44	9	on	on	ADP
arjefm-1123	44	10	whether	whether	SCONJ
arjefm-1123	44	11	micro	micro	ADJ
arjefm-1123	44	12	finance	finance	NOUN
arjefm-1123	44	13	banks	bank	NOUN
arjefm-1123	44	14	has	have	AUX
arjefm-1123	44	15	been	be	AUX
arjefm-1123	44	16	supporting	support	VERB
arjefm-1123	44	17	smes	sme	NOUN
arjefm-1123	44	18	in	in	ADP
arjefm-1123	44	19	their	their	PRON
arjefm-1123	44	20	quest	quest	NOUN
arjefm-1123	44	21	to	to	PART
arjefm-1123	44	22	grow	grow	VERB
arjefm-1123	44	23	.	.	PUNCT
arjefm-1123	45	1	this	this	DET
arjefm-1123	45	2	study	study	NOUN
arjefm-1123	45	3	is	be	AUX
arjefm-1123	45	4	carried	carry	VERB
arjefm-1123	45	5	out	out	ADP
arjefm-1123	45	6	to	to	PART
arjefm-1123	45	7	find	find	VERB
arjefm-1123	45	8	out	out	ADP
arjefm-1123	45	9	if	if	SCONJ
arjefm-1123	45	10	the	the	DET
arjefm-1123	45	11	objective	objective	NOUN
arjefm-1123	45	12	of	of	ADP
arjefm-1123	45	13	setting	set	VERB
arjefm-1123	45	14	up	up	ADP
arjefm-1123	45	15	microfinance	microfinance	NOUN
arjefm-1123	45	16	bank	bank	NOUN
arjefm-1123	45	17	is	be	AUX
arjefm-1123	45	18	still	still	ADV
arjefm-1123	45	19	being	be	AUX
arjefm-1123	45	20	achieved	achieve	VERB
arjefm-1123	45	21	.	.	PUNCT
arjefm-1123	46	1	objective	objective	NOUN
arjefm-1123	46	2	of	of	ADP
arjefm-1123	46	3	the	the	DET
arjefm-1123	46	4	study	study	NOUN
arjefm-1123	46	5	the	the	DET
arjefm-1123	46	6	objective	objective	NOUN
arjefm-1123	46	7	of	of	ADP
arjefm-1123	46	8	this	this	DET
arjefm-1123	46	9	study	study	NOUN
arjefm-1123	46	10	is	be	AUX
arjefm-1123	46	11	to	to	PART
arjefm-1123	46	12	evaluate	evaluate	VERB
arjefm-1123	46	13	how	how	SCONJ
arjefm-1123	46	14	micro	micro	ADJ
arjefm-1123	46	15	finance	finance	NOUN
arjefm-1123	46	16	bank	bank	PROPN
arjefm-1123	46	17	can	can	AUX
arjefm-1123	46	18	strengthen	strengthen	VERB
arjefm-1123	46	19	micro	micro	ADJ
arjefm-1123	46	20	enterprise	enterprise	NOUN
arjefm-1123	46	21	and	and	CCONJ
arjefm-1123	46	22	encourage	encourage	VERB
arjefm-1123	46	23	best	good	ADJ
arjefm-1123	46	24	practice	practice	NOUN
arjefm-1123	46	25	among	among	ADP
arjefm-1123	46	26	operators	operator	NOUN
arjefm-1123	46	27	of	of	ADP
arjefm-1123	46	28	small	small	ADJ
arjefm-1123	46	29	and	and	CCONJ
arjefm-1123	46	30	medium	medium	ADJ
arjefm-1123	46	31	scale	scale	NOUN
arjefm-1123	46	32	enterprises	enterprise	NOUN
arjefm-1123	46	33	(	(	PUNCT
arjefm-1123	46	34	smes	sme	NOUN
arjefm-1123	46	35	)	)	PUNCT
arjefm-1123	46	36	.	.	PUNCT
arjefm-1123	47	1	the	the	DET
arjefm-1123	47	2	specific	specific	ADJ
arjefm-1123	47	3	objectives	objective	NOUN
arjefm-1123	47	4	are	be	AUX
arjefm-1123	47	5	;	;	PUNCT
arjefm-1123	47	6			VERB
arjefm-1123	47	7	to	to	PART
arjefm-1123	47	8	investigate	investigate	VERB
arjefm-1123	47	9	how	how	SCONJ
arjefm-1123	47	10	micro	micro	ADJ
arjefm-1123	47	11	credit	credit	NOUN
arjefm-1123	47	12	extended	extend	VERB
arjefm-1123	47	13	to	to	ADP
arjefm-1123	47	14	smes	sme	NOUN
arjefm-1123	47	15	has	have	AUX
arjefm-1123	47	16	impacted	impact	VERB
arjefm-1123	47	17	on	on	ADP
arjefm-1123	47	18	smes	sme	NOUN
arjefm-1123	47	19	growth	growth	NOUN
arjefm-1123	47	20	.	.	PUNCT
arjefm-1123	48	1			VERB
arjefm-1123	48	2	to	to	PART
arjefm-1123	48	3	examine	examine	VERB
arjefm-1123	48	4	how	how	SCONJ
arjefm-1123	48	5	micro	micro	ADJ
arjefm-1123	48	6	finance	finance	NOUN
arjefm-1123	48	7	banks	bank	NOUN
arjefm-1123	48	8	assist	assist	VERB
arjefm-1123	48	9	smes	sme	NOUN
arjefm-1123	48	10	in	in	ADP
arjefm-1123	48	11	payment	payment	NOUN
arjefm-1123	48	12	services	service	NOUN
arjefm-1123	48	13	.	.	PUNCT
arjefm-1123	49	1			VERB
arjefm-1123	49	2	to	to	PART
arjefm-1123	49	3	find	find	VERB
arjefm-1123	49	4	out	out	ADP
arjefm-1123	49	5	how	how	SCONJ
arjefm-1123	49	6	micro	micro	ADJ
arjefm-1123	49	7	finance	finance	NOUN
arjefm-1123	49	8	banks	bank	NOUN
arjefm-1123	49	9	assist	assist	VERB
arjefm-1123	49	10	smes	sme	NOUN
arjefm-1123	49	11	in	in	ADP
arjefm-1123	49	12	saving	save	VERB
arjefm-1123	49	13	their	their	PRON
arjefm-1123	49	14	surplus	surplus	ADJ
arjefm-1123	49	15	funds	fund	NOUN
arjefm-1123	49	16	.	.	PUNCT
arjefm-1123	50	1	literatuure	literatuure	PROPN
arjefm-1123	50	2	review	review	PROPN
arjefm-1123	50	3	conceptual	conceptual	ADJ
arjefm-1123	50	4	of	of	ADP
arjefm-1123	50	5	microfinance	microfinance	NOUN
arjefm-1123	50	6	microfinance	microfinance	NOUN
arjefm-1123	50	7	is	be	AUX
arjefm-1123	50	8	majorly	majorly	ADV
arjefm-1123	50	9	envisioned	envision	VERB
arjefm-1123	50	10	to	to	PART
arjefm-1123	50	11	provide	provide	VERB
arjefm-1123	50	12	financial	financial	ADJ
arjefm-1123	50	13	services	service	NOUN
arjefm-1123	50	14	for	for	ADP
arjefm-1123	50	15	poor	poor	ADJ
arjefm-1123	50	16	and	and	CCONJ
arjefm-1123	50	17	low	low	ADJ
arjefm-1123	50	18	income	income	NOUN
arjefm-1123	50	19	enterprises	enterprise	NOUN
arjefm-1123	50	20	offered	offer	VERB
arjefm-1123	50	21	by	by	ADP
arjefm-1123	50	22	different	different	ADJ
arjefm-1123	50	23	types	type	NOUN
arjefm-1123	50	24	of	of	ADP
arjefm-1123	50	25	service	service	NOUN
arjefm-1123	50	26	provided	provide	VERB
arjefm-1123	50	27	.	.	PUNCT
arjefm-1123	51	1	microfinance	microfinance	NOUN
arjefm-1123	51	2	institutions	institution	NOUN
arjefm-1123	51	3	(	(	PUNCT
arjefm-1123	51	4	mfis	mfis	PROPN
arjefm-1123	51	5	)	)	PUNCT
arjefm-1123	51	6	commonly	commonly	ADV
arjefm-1123	51	7	tend	tend	VERB
arjefm-1123	51	8	to	to	PART
arjefm-1123	51	9	use	use	VERB
arjefm-1123	51	10	methods	method	NOUN
arjefm-1123	51	11	developed	develop	VERB
arjefm-1123	51	12	over	over	ADP
arjefm-1123	51	13	the	the	DET
arjefm-1123	51	14	last	last	ADJ
arjefm-1123	51	15	30	30	NUM
arjefm-1123	51	16	years	year	NOUN
arjefm-1123	51	17	to	to	PART
arjefm-1123	51	18	deliver	deliver	VERB
arjefm-1123	51	19	very	very	ADV
arjefm-1123	51	20	small	small	ADJ
arjefm-1123	51	21	loans	loan	NOUN
arjefm-1123	51	22	to	to	ADP
arjefm-1123	51	23	unsalaried	unsalaried	ADJ
arjefm-1123	51	24	borrowers	borrower	NOUN
arjefm-1123	51	25	,	,	PUNCT
arjefm-1123	51	26	taking	take	VERB
arjefm-1123	51	27	little	little	ADJ
arjefm-1123	51	28	or	or	CCONJ
arjefm-1123	51	29	no	no	PRON
arjefm-1123	51	30	collateral	collateral	NOUN
arjefm-1123	51	31	.	.	PUNCT
arjefm-1123	52	1	these	these	DET
arjefm-1123	52	2	methods	method	NOUN
arjefm-1123	52	3	include	include	VERB
arjefm-1123	52	4	group	group	NOUN
arjefm-1123	52	5	lending	lending	NOUN
arjefm-1123	52	6	and	and	CCONJ
arjefm-1123	52	7	liability	liability	NOUN
arjefm-1123	52	8	,	,	PUNCT
arjefm-1123	52	9	pre	pre	ADJ
arjefm-1123	52	10	-	-	ADJ
arjefm-1123	52	11	loan	loan	ADJ
arjefm-1123	52	12	savings	saving	NOUN
arjefm-1123	52	13	requirements	requirement	NOUN
arjefm-1123	52	14	,	,	PUNCT
arjefm-1123	52	15	gradually	gradually	ADV
arjefm-1123	52	16	increasing	increase	VERB
arjefm-1123	52	17	loan	loan	NOUN
arjefm-1123	52	18	sizes	size	NOUN
arjefm-1123	52	19	,	,	PUNCT
arjefm-1123	52	20	and	and	CCONJ
arjefm-1123	52	21	an	an	DET
arjefm-1123	52	22	implicit	implicit	ADJ
arjefm-1123	52	23	guarantee	guarantee	NOUN
arjefm-1123	52	24	of	of	ADP
arjefm-1123	52	25	ready	ready	ADJ
arjefm-1123	52	26	access	access	NOUN
arjefm-1123	52	27	to	to	ADP
arjefm-1123	52	28	future	future	ADJ
arjefm-1123	52	29	loans	loan	NOUN
arjefm-1123	52	30	if	if	SCONJ
arjefm-1123	52	31	present	present	ADJ
arjefm-1123	52	32	loans	loan	NOUN
arjefm-1123	52	33	are	be	AUX
arjefm-1123	52	34	repaid	repay	VERB
arjefm-1123	52	35	fully	fully	ADV
arjefm-1123	52	36	and	and	CCONJ
arjefm-1123	52	37	promptly	promptly	ADV
arjefm-1123	52	38	.	.	PUNCT
arjefm-1123	53	1	from	from	ADP
arjefm-1123	53	2	a	a	DET
arjefm-1123	53	3	global	global	ADJ
arjefm-1123	53	4	perspective	perspective	NOUN
arjefm-1123	53	5	,	,	PUNCT
arjefm-1123	53	6	microfinance	microfinance	NOUN
arjefm-1123	53	7	organizations	organization	NOUN
arjefm-1123	53	8	envision	envision	VERB
arjefm-1123	53	9	a	a	DET
arjefm-1123	53	10	world	world	NOUN
arjefm-1123	53	11	in	in	ADP
arjefm-1123	53	12	which	which	PRON
arjefm-1123	53	13	low	low	ADJ
arjefm-1123	53	14	income	income	NOUN
arjefm-1123	53	15	households	household	NOUN
arjefm-1123	53	16	have	have	VERB
arjefm-1123	53	17	permanent	permanent	ADJ
arjefm-1123	53	18	access	access	NOUN
arjefm-1123	53	19	to	to	ADP
arjefm-1123	53	20	a	a	DET
arjefm-1123	53	21	range	range	NOUN
arjefm-1123	53	22	of	of	ADP
arjefm-1123	53	23	high	high	ADJ
arjefm-1123	53	24	quality	quality	NOUN
arjefm-1123	53	25	and	and	CCONJ
arjefm-1123	53	26	affordable	affordable	ADJ
arjefm-1123	53	27	financial	financial	ADJ
arjefm-1123	53	28	services	service	NOUN
arjefm-1123	53	29	offered	offer	VERB
arjefm-1123	53	30	by	by	ADP
arjefm-1123	53	31	a	a	DET
arjefm-1123	53	32	range	range	NOUN
arjefm-1123	53	33	of	of	ADP
arjefm-1123	53	34	retail	retail	ADJ
arjefm-1123	53	35	providers	provider	NOUN
arjefm-1123	53	36	to	to	PART
arjefm-1123	53	37	finance	finance	VERB
arjefm-1123	53	38	income	income	NOUN
arjefm-1123	53	39	producing	produce	VERB
arjefm-1123	53	40	activities	activity	NOUN
arjefm-1123	53	41	,	,	PUNCT
arjefm-1123	53	42	build	build	VERB
arjefm-1123	53	43	assets	asset	NOUN
arjefm-1123	53	44	,	,	PUNCT
arjefm-1123	53	45	stabilize	stabilize	VERB
arjefm-1123	53	46	consumption	consumption	NOUN
arjefm-1123	53	47	,	,	PUNCT
arjefm-1123	53	48	and	and	CCONJ
arjefm-1123	53	49	protects	protect	VERB
arjefm-1123	53	50	against	against	ADP
arjefm-1123	53	51	risks	risk	NOUN
arjefm-1123	53	52	.	.	PUNCT
arjefm-1123	54	1	microfinance	microfinance	NOUN
arjefm-1123	54	2	is	be	AUX
arjefm-1123	54	3	the	the	DET
arjefm-1123	54	4	provision	provision	NOUN
arjefm-1123	54	5	of	of	ADP
arjefm-1123	54	6	financial	financial	ADJ
arjefm-1123	54	7	services	service	NOUN
arjefm-1123	54	8	adapted	adapt	VERB
arjefm-1123	54	9	to	to	ADP
arjefm-1123	54	10	the	the	DET
arjefm-1123	54	11	needs	need	NOUN
arjefm-1123	54	12	of	of	ADP
arjefm-1123	54	13	low	low	ADJ
arjefm-1123	54	14	income	income	NOUN
arjefm-1123	54	15	people	people	NOUN
arjefm-1123	54	16	especially	especially	ADV
arjefm-1123	54	17	the	the	DET
arjefm-1123	54	18	provision	provision	NOUN
arjefm-1123	54	19	of	of	ADP
arjefm-1123	54	20	small	small	ADJ
arjefm-1123	54	21	loans	loan	NOUN
arjefm-1123	54	22	,	,	PUNCT
arjefm-1123	54	23	acceptance	acceptance	NOUN
arjefm-1123	54	24	of	of	ADP
arjefm-1123	54	25	small	small	ADJ
arjefm-1123	54	26	savings	saving	NOUN
arjefm-1123	54	27	deposits	deposit	NOUN
arjefm-1123	54	28	,	,	PUNCT
arjefm-1123	54	29	and	and	CCONJ
arjefm-1123	54	30	simple	simple	ADJ
arjefm-1123	54	31	payments	payment	NOUN
arjefm-1123	54	32	services	service	NOUN
arjefm-1123	54	33	needed	need	VERB
arjefm-1123	54	34	by	by	ADP
arjefm-1123	54	35	micro	micro	ADJ
arjefm-1123	54	36	and	and	CCONJ
arjefm-1123	54	37	small	small	ADJ
arjefm-1123	54	38	entrepreneurs	entrepreneur	NOUN
arjefm-1123	54	39	and	and	CCONJ
arjefm-1123	54	40	other	other	ADJ
arjefm-1123	54	41	poor	poor	ADJ
arjefm-1123	54	42	people	people	NOUN
arjefm-1123	54	43	(	(	PUNCT
arjefm-1123	54	44	usaid	usaid	PROPN
arjefm-1123	54	45	,	,	PUNCT
arjefm-1123	54	46	2000	2000	NUM
arjefm-1123	54	47	)	)	PUNCT
arjefm-1123	54	48	.	.	PUNCT
arjefm-1123	55	1	oluwuyi	oluwuyi	PROPN
arjefm-1123	55	2	,	,	PUNCT
arjefm-1123	55	3	et	et	NOUN
arjefm-1123	55	4	.	.	PUNCT
arjefm-1123	56	1	al	al	PROPN
arjefm-1123	56	2	.	.	PROPN
arjefm-1123	57	1	(	(	PUNCT
arjefm-1123	57	2	2010	2010	NUM
arjefm-1123	57	3	)	)	PUNCT
arjefm-1123	57	4	noted	note	VERB
arjefm-1123	57	5	that	that	SCONJ
arjefm-1123	57	6	microfinance	microfinance	NOUN
arjefm-1123	57	7	is	be	AUX
arjefm-1123	57	8	about	about	ADP
arjefm-1123	57	9	providing	provide	VERB
arjefm-1123	57	10	financial	financial	ADJ
arjefm-1123	57	11	services	service	NOUN
arjefm-1123	57	12	to	to	ADP
arjefm-1123	57	13	the	the	DET
arjefm-1123	57	14	active	active	ADJ
arjefm-1123	57	15	poor	poor	ADJ
arjefm-1123	57	16	who	who	PRON
arjefm-1123	57	17	are	be	AUX
arjefm-1123	57	18	traditionally	traditionally	ADV
arjefm-1123	57	19	not	not	PART
arjefm-1123	57	20	served	serve	VERB
arjefm-1123	57	21	by	by	ADP
arjefm-1123	57	22	the	the	DET
arjefm-1123	57	23	conventional	conventional	ADJ
arjefm-1123	57	24	financial	financial	ADJ
arjefm-1123	57	25	institutions	institution	NOUN
arjefm-1123	57	26	.	.	PUNCT
arjefm-1123	58	1	the	the	DET
arjefm-1123	58	2	concept	concept	NOUN
arjefm-1123	58	3	of	of	ADP
arjefm-1123	58	4	microfinance	microfinance	NOUN
arjefm-1123	58	5	was	be	AUX
arjefm-1123	58	6	perceived	perceive	VERB
arjefm-1123	58	7	as	as	ADP
arjefm-1123	58	8	the	the	DET
arjefm-1123	58	9	provision	provision	NOUN
arjefm-1123	58	10	of	of	ADP
arjefm-1123	58	11	financial	financial	ADJ
arjefm-1123	58	12	and	and	CCONJ
arjefm-1123	58	13	non	non	ADJ
arjefm-1123	58	14	-	-	ADJ
arjefm-1123	58	15	financial	financial	ADJ
arjefm-1123	58	16	services	service	NOUN
arjefm-1123	58	17	by	by	ADP
arjefm-1123	58	18	mfbs	mfbs	PROPN
arjefm-1123	58	19	/	/	SYM
arjefm-1123	58	20	mfis	mfis	NOUN
arjefm-1123	58	21	to	to	ADP
arjefm-1123	58	22	low	low	ADJ
arjefm-1123	58	23	income	income	NOUN
arjefm-1123	58	24	groups	group	NOUN
arjefm-1123	58	25	without	without	ADP
arjefm-1123	58	26	tangible	tangible	ADJ
arjefm-1123	58	27	collateral	collateral	NOUN
arjefm-1123	58	28	but	but	CCONJ
arjefm-1123	58	29	whose	whose	DET
arjefm-1123	58	30	activities	activity	NOUN
arjefm-1123	58	31	are	be	AUX
arjefm-1123	58	32	linked	link	VERB
arjefm-1123	58	33	to	to	ADP
arjefm-1123	58	34	income	income	NOUN
arjefm-1123	58	35	-	-	PUNCT
arjefm-1123	58	36	generating	generate	VERB
arjefm-1123	58	37	ventures	venture	NOUN
arjefm-1123	58	38	(	(	PUNCT
arjefm-1123	58	39	ogunrinola	ogunrinola	NOUN
arjefm-1123	58	40	2007	2007	NUM
arjefm-1123	58	41	)	)	PUNCT
arjefm-1123	58	42	.	.	PUNCT
arjefm-1123	59	1	furthermore	furthermore	ADV
arjefm-1123	59	2	,	,	PUNCT
arjefm-1123	59	3	ogunrinola	ogunrinola	NOUN
arjefm-1123	59	4	(	(	PUNCT
arjefm-1123	59	5	2007	2007	NUM
arjefm-1123	59	6	)	)	PUNCT
arjefm-1123	59	7	viewed	view	VERB
arjefm-1123	59	8	microfinance	microfinance	NOUN
arjefm-1123	59	9	as	as	ADP
arjefm-1123	59	10	an	an	DET
arjefm-1123	59	11	economic	economic	ADJ
arjefm-1123	59	12	development	development	NOUN
arjefm-1123	59	13	approach	approach	NOUN
arjefm-1123	59	14	intended	intend	VERB
arjefm-1123	59	15	to	to	PART
arjefm-1123	59	16	benefit	benefit	VERB
arjefm-1123	59	17	low	low	ADJ
arjefm-1123	59	18	income	income	NOUN
arjefm-1123	59	19	women	woman	NOUN
arjefm-1123	59	20	and	and	CCONJ
arjefm-1123	59	21	men	man	NOUN
arjefm-1123	59	22	.	.	PUNCT
arjefm-1123	60	1	it	it	PRON
arjefm-1123	60	2	means	mean	VERB
arjefm-1123	60	3	that	that	SCONJ
arjefm-1123	60	4	the	the	DET
arjefm-1123	60	5	purpose	purpose	NOUN
arjefm-1123	60	6	of	of	ADP
arjefm-1123	60	7	microfinance	microfinance	NOUN
arjefm-1123	60	8	is	be	AUX
arjefm-1123	60	9	to	to	PART
arjefm-1123	60	10	reach	reach	VERB
arjefm-1123	60	11	the	the	DET
arjefm-1123	60	12	low	low	ADJ
arjefm-1123	60	13	income	income	NOUN
arjefm-1123	60	14	entrepreneurs	entrepreneur	NOUN
arjefm-1123	60	15	with	with	ADP
arjefm-1123	60	16	financial	financial	ADJ
arjefm-1123	60	17	services	service	NOUN
arjefm-1123	60	18	that	that	PRON
arjefm-1123	60	19	will	will	AUX
arjefm-1123	60	20	enable	enable	VERB
arjefm-1123	60	21	them	they	PRON
arjefm-1123	60	22	creates	create	VERB
arjefm-1123	60	23	wealth	wealth	NOUN
arjefm-1123	60	24	without	without	ADP
arjefm-1123	60	25	any	any	DET
arjefm-1123	60	26	discrepancy	discrepancy	NOUN
arjefm-1123	60	27	as	as	ADP
arjefm-1123	60	28	to	to	ADP
arjefm-1123	60	29	sex	sex	NOUN
arjefm-1123	60	30	of	of	ADP
arjefm-1123	60	31	such	such	ADJ
arjefm-1123	60	32	person	person	NOUN
arjefm-1123	60	33	(	(	PUNCT
arjefm-1123	60	34	oguleye	oguleye	NOUN
arjefm-1123	60	35	and	and	CCONJ
arjefm-1123	60	36	akanbi	akanbi	NOUN
arjefm-1123	60	37	,	,	PUNCT
arjefm-1123	60	38	2014	2014	NUM
arjefm-1123	60	39	)	)	PUNCT
arjefm-1123	60	40	.	.	PUNCT
arjefm-1123	61	1	uche	uche	PROPN
arjefm-1123	61	2	(	(	PUNCT
arjefm-1123	61	3	2008	2008	NUM
arjefm-1123	61	4	)	)	PUNCT
arjefm-1123	61	5	cited	cite	VERB
arjefm-1123	61	6	in	in	ADP
arjefm-1123	61	7	babajide	babajide	PROPN
arjefm-1123	61	8	(	(	PUNCT
arjefm-1123	61	9	2011	2011	NUM
arjefm-1123	61	10	)	)	PUNCT
arjefm-1123	61	11	describes	describe	VERB
arjefm-1123	61	12	microfinance	microfinance	NOUN
arjefm-1123	61	13	as	as	ADP
arjefm-1123	61	14	banking	bank	VERB
arjefm-1123	61	15	the	the	DET
arjefm-1123	61	16	“	"	PUNCT
arjefm-1123	61	17	unbankables	unbankable	NOUN
arjefm-1123	61	18	”	"	PUNCT
arjefm-1123	61	19	,	,	PUNCT
arjefm-1123	61	20	bringing	bring	VERB
arjefm-1123	61	21	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	61	22	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	61	23	american	american	PROPN
arjefm-1123	61	24	research	research	PROPN
arjefm-1123	61	25	journal	journal	PROPN
arjefm-1123	61	26	of	of	ADP
arjefm-1123	61	27	economics	economic	NOUN
arjefm-1123	61	28	,	,	PUNCT
arjefm-1123	61	29	finance	finance	NOUN
arjefm-1123	61	30	and	and	CCONJ
arjefm-1123	61	31	management	management	NOUN
arjefm-1123	61	32	volume	volume	NOUN
arjefm-1123	61	33	12	12	NUM
arjefm-1123	61	34	issue	issue	NOUN
arjefm-1123	61	35	4	4	NUM
arjefm-1123	61	36	,	,	PUNCT
arjefm-1123	61	37	october	october	PROPN
arjefm-1123	61	38	-	-	PUNCT
arjefm-1123	61	39	december	december	PROPN
arjefm-1123	61	40	2024	2024	NUM
arjefm-1123	61	41	issn	issn	NOUN
arjefm-1123	61	42	:	:	PUNCT
arjefm-1123	61	43	2836	2836	NUM
arjefm-1123	61	44	-	-	SYM
arjefm-1123	61	45	9416	9416	NUM
arjefm-1123	61	46	impact	impact	NOUN
arjefm-1123	61	47	factor	factor	NOUN
arjefm-1123	61	48	:	:	PUNCT
arjefm-1123	61	49	5.57	5.57	NUM
arjefm-1123	61	50	journal	journal	NOUN
arjefm-1123	61	51	homepage	homepage	NOUN
arjefm-1123	61	52	:	:	PUNCT
arjefm-1123	61	53	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	61	54	,	,	PUNCT
arjefm-1123	61	55	email	email	NOUN
arjefm-1123	61	56	:	:	PUNCT
arjefm-1123	61	57	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	61	58	official	official	ADJ
arjefm-1123	61	59	journal	journal	PROPN
arjefm-1123	61	60	of	of	ADP
arjefm-1123	61	61	america	america	PROPN
arjefm-1123	61	62	serial	serial	PROPN
arjefm-1123	61	63	publication	publication	NOUN
arjefm-1123	61	64	american	american	PROPN
arjefm-1123	61	65	research	research	PROPN
arjefm-1123	61	66	journal	journal	PROPN
arjefm-1123	61	67	of	of	ADP
arjefm-1123	61	68	economics	economic	NOUN
arjefm-1123	61	69	,	,	PUNCT
arjefm-1123	61	70	finance	finance	NOUN
arjefm-1123	61	71	and	and	CCONJ
arjefm-1123	61	72	management	management	NOUN
arjefm-1123	61	73	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	61	74	,	,	PUNCT
arjefm-1123	61	75	email	email	NOUN
arjefm-1123	61	76	:	:	PUNCT
arjefm-1123	62	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	62	2	4	4	NUM
arjefm-1123	63	1	|	|	ADV
arjefm-1123	63	2	p	p	X
arjefm-1123	63	3	a	a	DET
arjefm-1123	63	4	g	g	NOUN
arjefm-1123	63	5	e	e	NOUN
arjefm-1123	63	6	credit	credit	NOUN
arjefm-1123	63	7	,	,	PUNCT
arjefm-1123	63	8	savings	saving	NOUN
arjefm-1123	63	9	and	and	CCONJ
arjefm-1123	63	10	other	other	ADJ
arjefm-1123	63	11	essential	essential	ADJ
arjefm-1123	63	12	financial	financial	ADJ
arjefm-1123	63	13	services	service	NOUN
arjefm-1123	63	14	within	within	ADP
arjefm-1123	63	15	the	the	DET
arjefm-1123	63	16	reach	reach	NOUN
arjefm-1123	63	17	of	of	ADP
arjefm-1123	63	18	people	people	NOUN
arjefm-1123	63	19	who	who	PRON
arjefm-1123	63	20	are	be	AUX
arjefm-1123	63	21	poor	poor	ADJ
arjefm-1123	63	22	to	to	PART
arjefm-1123	63	23	be	be	AUX
arjefm-1123	63	24	served	serve	VERB
arjefm-1123	63	25	by	by	ADP
arjefm-1123	63	26	regular	regular	ADJ
arjefm-1123	63	27	banks	bank	NOUN
arjefm-1123	63	28	,	,	PUNCT
arjefm-1123	63	29	due	due	ADP
arjefm-1123	63	30	to	to	ADP
arjefm-1123	63	31	lack	lack	NOUN
arjefm-1123	63	32	of	of	ADP
arjefm-1123	63	33	sufficient	sufficient	ADJ
arjefm-1123	63	34	collateral	collateral	NOUN
arjefm-1123	63	35	.	.	PUNCT
arjefm-1123	64	1	therefore	therefore	ADV
arjefm-1123	64	2	,	,	PUNCT
arjefm-1123	64	3	microfinance	microfinance	NOUN
arjefm-1123	64	4	is	be	AUX
arjefm-1123	64	5	the	the	DET
arjefm-1123	64	6	practice	practice	NOUN
arjefm-1123	64	7	of	of	ADP
arjefm-1123	64	8	offering	offer	VERB
arjefm-1123	64	9	small	small	ADJ
arjefm-1123	64	10	and	and	CCONJ
arjefm-1123	64	11	short	short	ADJ
arjefm-1123	64	12	term	term	NOUN
arjefm-1123	64	13	loans	loan	NOUN
arjefm-1123	64	14	to	to	ADP
arjefm-1123	64	15	entrepreneurs	entrepreneur	NOUN
arjefm-1123	64	16	who	who	PRON
arjefm-1123	64	17	otherwise	otherwise	ADV
arjefm-1123	64	18	would	would	AUX
arjefm-1123	64	19	not	not	PART
arjefm-1123	64	20	have	have	VERB
arjefm-1123	64	21	access	access	NOUN
arjefm-1123	64	22	to	to	ADP
arjefm-1123	64	23	capital	capital	NOUN
arjefm-1123	64	24	to	to	PART
arjefm-1123	64	25	begin	begin	VERB
arjefm-1123	64	26	small	small	ADJ
arjefm-1123	64	27	business	business	NOUN
arjefm-1123	64	28	or	or	CCONJ
arjefm-1123	64	29	other	other	ADJ
arjefm-1123	64	30	income	income	NOUN
arjefm-1123	64	31	generating	generating	NOUN
arjefm-1123	64	32	activities	activity	NOUN
arjefm-1123	64	33	.	.	PUNCT
arjefm-1123	65	1	microfinance	microfinance	NOUN
arjefm-1123	65	2	idea	idea	NOUN
arjefm-1123	65	3	became	become	VERB
arjefm-1123	65	4	popular	popular	ADJ
arjefm-1123	65	5	in	in	ADP
arjefm-1123	65	6	the	the	DET
arjefm-1123	65	7	development	development	NOUN
arjefm-1123	65	8	discourse	discourse	NOUN
arjefm-1123	65	9	of	of	ADP
arjefm-1123	65	10	the	the	DET
arjefm-1123	65	11	early	early	ADJ
arjefm-1123	65	12	1980s	1980	NOUN
arjefm-1123	65	13	.	.	PUNCT
arjefm-1123	66	1	in	in	ADP
arjefm-1123	66	2	general	general	ADJ
arjefm-1123	66	3	,	,	PUNCT
arjefm-1123	66	4	microfinance	microfinance	NOUN
arjefm-1123	66	5	has	have	VERB
arjefm-1123	66	6	five	five	NUM
arjefm-1123	66	7	features	feature	NOUN
arjefm-1123	66	8	that	that	PRON
arjefm-1123	66	9	distinguish	distinguish	VERB
arjefm-1123	66	10	it	it	PRON
arjefm-1123	66	11	from	from	ADP
arjefm-1123	66	12	credit	credit	NOUN
arjefm-1123	66	13	supplied	supply	VERB
arjefm-1123	66	14	by	by	ADP
arjefm-1123	66	15	the	the	DET
arjefm-1123	66	16	conventional	conventional	ADJ
arjefm-1123	66	17	financial	financial	ADJ
arjefm-1123	66	18	institutions	institution	NOUN
arjefm-1123	66	19	.	.	PUNCT
arjefm-1123	67	1	first	first	ADV
arjefm-1123	67	2	,	,	PUNCT
arjefm-1123	67	3	the	the	DET
arjefm-1123	67	4	loan	loan	NOUN
arjefm-1123	67	5	size	size	NOUN
arjefm-1123	67	6	is	be	AUX
arjefm-1123	67	7	small	small	ADJ
arjefm-1123	67	8	;	;	PUNCT
arjefm-1123	67	9	however	however	ADV
arjefm-1123	67	10	,	,	PUNCT
arjefm-1123	67	11	this	this	DET
arjefm-1123	67	12	general	general	ADJ
arjefm-1123	67	13	feature	feature	NOUN
arjefm-1123	67	14	differs	differ	VERB
arjefm-1123	67	15	from	from	ADP
arjefm-1123	67	16	one	one	NUM
arjefm-1123	67	17	country	country	NOUN
arjefm-1123	67	18	to	to	ADP
arjefm-1123	67	19	another	another	PRON
arjefm-1123	67	20	and	and	CCONJ
arjefm-1123	67	21	depends	depend	VERB
arjefm-1123	67	22	upon	upon	SCONJ
arjefm-1123	67	23	the	the	DET
arjefm-1123	67	24	differences	difference	NOUN
arjefm-1123	67	25	in	in	ADP
arjefm-1123	67	26	the	the	DET
arjefm-1123	67	27	levels	level	NOUN
arjefm-1123	67	28	of	of	ADP
arjefm-1123	67	29	the	the	DET
arjefm-1123	67	30	country	country	NOUN
arjefm-1123	67	31	’s	’s	PART
arjefm-1123	67	32	socio	socio	NOUN
arjefm-1123	67	33	-	-	PUNCT
arjefm-1123	67	34	economic	economic	ADJ
arjefm-1123	67	35	development	development	NOUN
arjefm-1123	67	36	.	.	PUNCT
arjefm-1123	68	1	secondly	secondly	ADV
arjefm-1123	68	2	,	,	PUNCT
arjefm-1123	68	3	the	the	DET
arjefm-1123	68	4	primary	primary	ADJ
arjefm-1123	68	5	customers	customer	NOUN
arjefm-1123	68	6	of	of	ADP
arjefm-1123	68	7	these	these	DET
arjefm-1123	68	8	loans	loan	NOUN
arjefm-1123	68	9	are	be	AUX
arjefm-1123	68	10	the	the	DET
arjefm-1123	68	11	people	people	NOUN
arjefm-1123	68	12	who	who	PRON
arjefm-1123	68	13	have	have	VERB
arjefm-1123	68	14	little	little	ADJ
arjefm-1123	68	15	access	access	NOUN
arjefm-1123	68	16	to	to	ADP
arjefm-1123	68	17	conventional	conventional	ADJ
arjefm-1123	68	18	banking	banking	NOUN
arjefm-1123	68	19	facilities	facility	NOUN
arjefm-1123	68	20	.	.	PUNCT
arjefm-1123	69	1	thirdly	thirdly	ADV
arjefm-1123	69	2	,	,	PUNCT
arjefm-1123	69	3	the	the	DET
arjefm-1123	69	4	purpose	purpose	NOUN
arjefm-1123	69	5	of	of	ADP
arjefm-1123	69	6	these	these	DET
arjefm-1123	69	7	loans	loan	NOUN
arjefm-1123	69	8	is	be	AUX
arjefm-1123	69	9	to	to	PART
arjefm-1123	69	10	create	create	VERB
arjefm-1123	69	11	income	income	NOUN
arjefm-1123	69	12	-	-	PUNCT
arjefm-1123	69	13	generating	generate	VERB
arjefm-1123	69	14	activities	activity	NOUN
arjefm-1123	69	15	.	.	PUNCT
arjefm-1123	70	1	fourthly	fourthly	ADV
arjefm-1123	70	2	,	,	PUNCT
arjefm-1123	70	3	tangible	tangible	ADJ
arjefm-1123	70	4	collateral	collateral	NOUN
arjefm-1123	70	5	is	be	AUX
arjefm-1123	70	6	not	not	PART
arjefm-1123	70	7	necessarily	necessarily	ADV
arjefm-1123	70	8	required	require	VERB
arjefm-1123	70	9	for	for	ADP
arjefm-1123	70	10	taking	take	VERB
arjefm-1123	70	11	this	this	DET
arjefm-1123	70	12	kind	kind	NOUN
arjefm-1123	70	13	of	of	ADP
arjefm-1123	70	14	loan	loan	NOUN
arjefm-1123	70	15	.	.	PUNCT
arjefm-1123	71	1	finally	finally	ADV
arjefm-1123	71	2	,	,	PUNCT
arjefm-1123	71	3	this	this	PRON
arjefm-1123	71	4	is	be	AUX
arjefm-1123	71	5	another	another	DET
arjefm-1123	71	6	aspect	aspect	NOUN
arjefm-1123	71	7	of	of	ADP
arjefm-1123	71	8	micro	micro	ADJ
arjefm-1123	71	9	credit	credit	NOUN
arjefm-1123	71	10	program	program	NOUN
arjefm-1123	71	11	that	that	PRON
arjefm-1123	71	12	distinguishes	distinguish	VERB
arjefm-1123	71	13	itself	itself	PRON
arjefm-1123	71	14	from	from	ADP
arjefm-1123	71	15	conventional	conventional	ADJ
arjefm-1123	71	16	banking	banking	NOUN
arjefm-1123	71	17	.	.	PUNCT
arjefm-1123	72	1	but	but	CCONJ
arjefm-1123	72	2	the	the	DET
arjefm-1123	72	3	microfinance	microfinance	NOUN
arjefm-1123	72	4	ventures	venture	NOUN
arjefm-1123	72	5	have	have	AUX
arjefm-1123	72	6	integrated	integrate	VERB
arjefm-1123	72	7	loaning	loaning	NOUN
arjefm-1123	72	8	and	and	CCONJ
arjefm-1123	72	9	savings	saving	NOUN
arjefm-1123	72	10	mobilization	mobilization	NOUN
arjefm-1123	72	11	functions	function	NOUN
arjefm-1123	72	12	,	,	PUNCT
arjefm-1123	72	13	in	in	ADP
arjefm-1123	72	14	order	order	NOUN
arjefm-1123	72	15	words	word	NOUN
arjefm-1123	72	16	,	,	PUNCT
arjefm-1123	72	17	regular	regular	ADJ
arjefm-1123	72	18	savings	saving	NOUN
arjefm-1123	72	19	are	be	AUX
arjefm-1123	72	20	a	a	DET
arjefm-1123	72	21	pre	pre	NOUN
arjefm-1123	72	22	-	-	NOUN
arjefm-1123	72	23	condition	condition	NOUN
arjefm-1123	72	24	for	for	ADP
arjefm-1123	72	25	granting	grant	VERB
arjefm-1123	72	26	loans	loan	NOUN
arjefm-1123	72	27	(	(	PUNCT
arjefm-1123	72	28	eke	eke	ADJ
arjefm-1123	72	29	and	and	CCONJ
arjefm-1123	72	30	idogun	idogun	ADJ
arjefm-1123	72	31	2022	2022	NUM
arjefm-1123	72	32	)	)	PUNCT
arjefm-1123	72	33	.	.	PUNCT
arjefm-1123	73	1	microfinance	microfinance	NOUN
arjefm-1123	73	2	,	,	PUNCT
arjefm-1123	73	3	with	with	ADP
arjefm-1123	73	4	regard	regard	NOUN
arjefm-1123	73	5	to	to	ADP
arjefm-1123	73	6	this	this	DET
arjefm-1123	73	7	study	study	NOUN
arjefm-1123	73	8	,	,	PUNCT
arjefm-1123	73	9	is	be	AUX
arjefm-1123	73	10	the	the	DET
arjefm-1123	73	11	practice	practice	NOUN
arjefm-1123	73	12	of	of	ADP
arjefm-1123	73	13	offering	offer	VERB
arjefm-1123	73	14	financial	financial	ADJ
arjefm-1123	73	15	and	and	CCONJ
arjefm-1123	73	16	non	non	ADJ
arjefm-1123	73	17	-	-	ADJ
arjefm-1123	73	18	financial	financial	ADJ
arjefm-1123	73	19	services	service	NOUN
arjefm-1123	73	20	,	,	PUNCT
arjefm-1123	73	21	to	to	ADP
arjefm-1123	73	22	entrepreneurs	entrepreneur	NOUN
arjefm-1123	73	23	who	who	PRON
arjefm-1123	73	24	hitherto	hitherto	VERB
arjefm-1123	73	25	can	can	AUX
arjefm-1123	73	26	not	not	PART
arjefm-1123	73	27	access	access	VERB
arjefm-1123	73	28	the	the	DET
arjefm-1123	73	29	conventional	conventional	ADJ
arjefm-1123	73	30	financial	financial	ADJ
arjefm-1123	73	31	institutions	institution	NOUN
arjefm-1123	73	32	,	,	PUNCT
arjefm-1123	73	33	at	at	ADP
arjefm-1123	73	34	a	a	DET
arjefm-1123	73	35	fee	fee	NOUN
arjefm-1123	73	36	that	that	PRON
arjefm-1123	73	37	is	be	AUX
arjefm-1123	73	38	affordable	affordable	ADJ
arjefm-1123	73	39	and	and	CCONJ
arjefm-1123	73	40	economic	economic	ADJ
arjefm-1123	73	41	to	to	ADP
arjefm-1123	73	42	the	the	DET
arjefm-1123	73	43	users	user	NOUN
arjefm-1123	73	44	of	of	ADP
arjefm-1123	73	45	such	such	ADJ
arjefm-1123	73	46	services	service	NOUN
arjefm-1123	73	47	.	.	PUNCT
arjefm-1123	74	1	this	this	PRON
arjefm-1123	74	2	will	will	AUX
arjefm-1123	74	3	enable	enable	VERB
arjefm-1123	74	4	them	they	PRON
arjefm-1123	74	5	to	to	PART
arjefm-1123	74	6	start	start	VERB
arjefm-1123	74	7	or	or	CCONJ
arjefm-1123	74	8	build	build	VERB
arjefm-1123	74	9	up	up	ADP
arjefm-1123	74	10	their	their	PRON
arjefm-1123	74	11	own	own	ADJ
arjefm-1123	74	12	enterprises	enterprise	NOUN
arjefm-1123	74	13	.	.	PUNCT
arjefm-1123	75	1	the	the	DET
arjefm-1123	75	2	microfinance	microfinance	NOUN
arjefm-1123	75	3	policy	policy	NOUN
arjefm-1123	75	4	defined	define	VERB
arjefm-1123	75	5	the	the	DET
arjefm-1123	75	6	framework	framework	NOUN
arjefm-1123	75	7	for	for	ADP
arjefm-1123	75	8	the	the	DET
arjefm-1123	75	9	delivery	delivery	NOUN
arjefm-1123	75	10	of	of	ADP
arjefm-1123	75	11	these	these	DET
arjefm-1123	75	12	financial	financial	ADJ
arjefm-1123	75	13	services	service	NOUN
arjefm-1123	75	14	on	on	ADP
arjefm-1123	75	15	sustainable	sustainable	ADJ
arjefm-1123	75	16	basis	basis	NOUN
arjefm-1123	75	17	to	to	ADP
arjefm-1123	75	18	the	the	DET
arjefm-1123	75	19	micro	micro	NOUN
arjefm-1123	75	20	,	,	PUNCT
arjefm-1123	75	21	small	small	ADJ
arjefm-1123	75	22	and	and	CCONJ
arjefm-1123	75	23	medium	medium	ADJ
arjefm-1123	75	24	enterprises	enterprise	NOUN
arjefm-1123	75	25	(	(	PUNCT
arjefm-1123	75	26	msmes	msme	NOUN
arjefm-1123	75	27	)	)	PUNCT
arjefm-1123	75	28	through	through	ADP
arjefm-1123	75	29	microfinance	microfinance	NOUN
arjefm-1123	75	30	banks	bank	NOUN
arjefm-1123	75	31	(	(	PUNCT
arjefm-1123	75	32	cbn	cbn	PROPN
arjefm-1123	75	33	,	,	PUNCT
arjefm-1123	75	34	2005	2005	NUM
arjefm-1123	75	35	)	)	PUNCT
arjefm-1123	75	36	.	.	PUNCT
arjefm-1123	76	1	microfinance	microfinance	PROPN
arjefm-1123	76	2	bank	bank	PROPN
arjefm-1123	76	3	,	,	PUNCT
arjefm-1123	76	4	according	accord	VERB
arjefm-1123	76	5	to	to	ADP
arjefm-1123	76	6	the	the	DET
arjefm-1123	76	7	central	central	ADJ
arjefm-1123	76	8	bank	bank	PROPN
arjefm-1123	76	9	of	of	ADP
arjefm-1123	76	10	nigeria	nigeria	PROPN
arjefm-1123	76	11	(	(	PUNCT
arjefm-1123	76	12	cbn	cbn	PROPN
arjefm-1123	76	13	,	,	PUNCT
arjefm-1123	76	14	2009	2009	NUM
arjefm-1123	76	15	&	&	CCONJ
arjefm-1123	76	16	2012	2012	NUM
arjefm-1123	76	17	)	)	PUNCT
arjefm-1123	76	18	,	,	PUNCT
arjefm-1123	76	19	is	be	AUX
arjefm-1123	76	20	a	a	DET
arjefm-1123	76	21	company	company	NOUN
arjefm-1123	76	22	licensed	license	VERB
arjefm-1123	76	23	to	to	PART
arjefm-1123	76	24	carry	carry	VERB
arjefm-1123	76	25	out	out	ADP
arjefm-1123	76	26	the	the	DET
arjefm-1123	76	27	business	business	NOUN
arjefm-1123	76	28	of	of	ADP
arjefm-1123	76	29	providing	provide	VERB
arjefm-1123	76	30	microfinance	microfinance	NOUN
arjefm-1123	76	31	services	service	NOUN
arjefm-1123	76	32	such	such	ADJ
arjefm-1123	76	33	as	as	ADP
arjefm-1123	76	34	savings	saving	NOUN
arjefm-1123	76	35	,	,	PUNCT
arjefm-1123	76	36	loans	loan	NOUN
arjefm-1123	76	37	,	,	PUNCT
arjefm-1123	76	38	insurance	insurance	NOUN
arjefm-1123	76	39	,	,	PUNCT
arjefm-1123	76	40	money	money	NOUN
arjefm-1123	76	41	transfer	transfer	NOUN
arjefm-1123	76	42	and	and	CCONJ
arjefm-1123	76	43	other	other	ADJ
arjefm-1123	76	44	financial	financial	ADJ
arjefm-1123	76	45	services	service	NOUN
arjefm-1123	76	46	that	that	PRON
arjefm-1123	76	47	are	be	AUX
arjefm-1123	76	48	needed	need	VERB
arjefm-1123	76	49	by	by	ADP
arjefm-1123	76	50	the	the	DET
arjefm-1123	76	51	economically	economically	ADV
arjefm-1123	76	52	poor	poor	ADJ
arjefm-1123	76	53	,	,	PUNCT
arjefm-1123	76	54	micro	micro	ADJ
arjefm-1123	76	55	,	,	PUNCT
arjefm-1123	76	56	small	small	ADJ
arjefm-1123	76	57	and	and	CCONJ
arjefm-1123	76	58	medium	medium	ADJ
arjefm-1123	76	59	enterprises	enterprise	NOUN
arjefm-1123	76	60	.	.	PUNCT
arjefm-1123	77	1	the	the	DET
arjefm-1123	77	2	concept	concept	NOUN
arjefm-1123	77	3	of	of	ADP
arjefm-1123	77	4	small	small	ADJ
arjefm-1123	77	5	and	and	CCONJ
arjefm-1123	77	6	medium	medium	ADJ
arjefm-1123	77	7	scale	scale	NOUN
arjefm-1123	77	8	enterprises	enterprise	NOUN
arjefm-1123	77	9	the	the	DET
arjefm-1123	77	10	concept	concept	NOUN
arjefm-1123	77	11	and	and	CCONJ
arjefm-1123	77	12	definition	definition	NOUN
arjefm-1123	77	13	of	of	ADP
arjefm-1123	77	14	small	small	ADJ
arjefm-1123	77	15	and	and	CCONJ
arjefm-1123	77	16	medium	medium	ADJ
arjefm-1123	77	17	scale	scale	NOUN
arjefm-1123	77	18	enterprise	enterprise	NOUN
arjefm-1123	77	19	is	be	AUX
arjefm-1123	77	20	dynamic	dynamic	ADJ
arjefm-1123	77	21	in	in	ADP
arjefm-1123	77	22	nature	nature	NOUN
arjefm-1123	77	23	and	and	CCONJ
arjefm-1123	77	24	varies	vary	VERB
arjefm-1123	77	25	with	with	ADP
arjefm-1123	77	26	time	time	NOUN
arjefm-1123	77	27	and	and	CCONJ
arjefm-1123	77	28	also	also	ADV
arjefm-1123	77	29	varies	vary	VERB
arjefm-1123	77	30	among	among	ADP
arjefm-1123	77	31	institutions	institution	NOUN
arjefm-1123	77	32	and	and	CCONJ
arjefm-1123	77	33	countries	country	NOUN
arjefm-1123	77	34	.	.	PUNCT
arjefm-1123	78	1	however	however	ADV
arjefm-1123	78	2	,	,	PUNCT
arjefm-1123	78	3	the	the	DET
arjefm-1123	78	4	basic	basic	ADJ
arjefm-1123	78	5	definitional	definitional	ADJ
arjefm-1123	78	6	parameters	parameter	NOUN
arjefm-1123	78	7	are	be	AUX
arjefm-1123	78	8	not	not	PART
arjefm-1123	78	9	the	the	DET
arjefm-1123	78	10	same	same	ADJ
arjefm-1123	78	11	.	.	PUNCT
arjefm-1123	79	1	they	they	PRON
arjefm-1123	79	2	include	include	VERB
arjefm-1123	79	3	numbers	number	NOUN
arjefm-1123	79	4	of	of	ADP
arjefm-1123	79	5	employees	employee	NOUN
arjefm-1123	79	6	,	,	PUNCT
arjefm-1123	79	7	assets	asset	NOUN
arjefm-1123	79	8	and	and	CCONJ
arjefm-1123	79	9	turnover	turnover	NOUN
arjefm-1123	79	10	.	.	PUNCT
arjefm-1123	80	1	siebel	siebel	NOUN
arjefm-1123	80	2	(	(	PUNCT
arjefm-1123	80	3	2011	2011	NUM
arjefm-1123	80	4	)	)	PUNCT
arjefm-1123	80	5	stated	state	VERB
arjefm-1123	80	6	that	that	SCONJ
arjefm-1123	80	7	,	,	PUNCT
arjefm-1123	80	8	it	it	PRON
arjefm-1123	80	9	is	be	AUX
arjefm-1123	80	10	evidence	evidence	NOUN
arjefm-1123	80	11	around	around	ADP
arjefm-1123	80	12	the	the	DET
arjefm-1123	80	13	world	world	NOUN
arjefm-1123	80	14	that	that	SCONJ
arjefm-1123	80	15	small	small	ADJ
arjefm-1123	80	16	and	and	CCONJ
arjefm-1123	80	17	medium	medium	ADJ
arjefm-1123	80	18	scale	scale	NOUN
arjefm-1123	80	19	enterprise	enterprise	NOUN
arjefm-1123	80	20	provide	provide	VERB
arjefm-1123	80	21	an	an	DET
arjefm-1123	80	22	effective	effective	ADJ
arjefm-1123	80	23	means	mean	NOUN
arjefm-1123	80	24	of	of	ADP
arjefm-1123	80	25	stimulating	stimulate	VERB
arjefm-1123	80	26	indigenous	indigenous	ADJ
arjefm-1123	80	27	entrepreneurship	entrepreneurship	NOUN
arjefm-1123	80	28	,	,	PUNCT
arjefm-1123	80	29	enhancing	enhance	VERB
arjefm-1123	80	30	greater	great	ADJ
arjefm-1123	80	31	employment	employment	NOUN
arjefm-1123	80	32	opportunities	opportunity	NOUN
arjefm-1123	80	33	per	per	ADP
arjefm-1123	80	34	unit	unit	NOUN
arjefm-1123	80	35	capital	capital	NOUN
arjefm-1123	80	36	invested	invest	VERB
arjefm-1123	80	37	and	and	CCONJ
arjefm-1123	80	38	aiding	aid	VERB
arjefm-1123	80	39	the	the	DET
arjefm-1123	80	40	developing	developing	NOUN
arjefm-1123	80	41	of	of	ADP
arjefm-1123	80	42	local	local	ADJ
arjefm-1123	80	43	technology	technology	NOUN
arjefm-1123	80	44	.	.	PUNCT
arjefm-1123	81	1	small	small	ADJ
arjefm-1123	81	2	scale	scale	NOUN
arjefm-1123	81	3	enterprise	enterprise	NOUN
arjefm-1123	81	4	:	:	PUNCT
arjefm-1123	81	5	an	an	DET
arjefm-1123	81	6	enterprises	enterprise	NOUN
arjefm-1123	81	7	with	with	ADP
arjefm-1123	81	8	a	a	DET
arjefm-1123	81	9	labour	labour	NOUN
arjefm-1123	81	10	size	size	NOUN
arjefm-1123	81	11	of	of	ADP
arjefm-1123	81	12	11	11	NUM
arjefm-1123	81	13	-	-	SYM
arjefm-1123	81	14	100	100	NUM
arjefm-1123	81	15	workers	worker	NOUN
arjefm-1123	81	16	or	or	CCONJ
arjefm-1123	81	17	a	a	DET
arjefm-1123	81	18	total	total	ADJ
arjefm-1123	81	19	capital	capital	NOUN
arjefm-1123	81	20	of	of	ADP
arjefm-1123	81	21	not	not	PART
arjefm-1123	81	22	more	more	ADJ
arjefm-1123	81	23	than	than	ADP
arjefm-1123	81	24	50	50	NUM
arjefm-1123	81	25	million	million	NUM
arjefm-1123	81	26	including	include	VERB
arjefm-1123	81	27	working	work	VERB
arjefm-1123	81	28	capital	capital	NOUN
arjefm-1123	81	29	but	but	CCONJ
arjefm-1123	81	30	excluding	exclude	VERB
arjefm-1123	81	31	cost	cost	NOUN
arjefm-1123	81	32	of	of	ADP
arjefm-1123	81	33	land	land	NOUN
arjefm-1123	81	34	while	while	SCONJ
arjefm-1123	81	35	medium	medium	ADJ
arjefm-1123	81	36	scale	scale	NOUN
arjefm-1123	81	37	enterprises	enterprise	NOUN
arjefm-1123	81	38	is	be	AUX
arjefm-1123	81	39	an	an	DET
arjefm-1123	81	40	industry	industry	NOUN
arjefm-1123	81	41	with	with	ADP
arjefm-1123	81	42	a	a	DET
arjefm-1123	81	43	labour	labour	NOUN
arjefm-1123	81	44	size	size	NOUN
arjefm-1123	81	45	of	of	ADP
arjefm-1123	81	46	between	between	ADP
arjefm-1123	81	47	101	101	NUM
arjefm-1123	81	48	-	-	SYM
arjefm-1123	81	49	300	300	NUM
arjefm-1123	81	50	workers	worker	NOUN
arjefm-1123	81	51	or	or	CCONJ
arjefm-1123	81	52	a	a	DET
arjefm-1123	81	53	total	total	ADJ
arjefm-1123	81	54	cost	cost	NOUN
arjefm-1123	81	55	of	of	ADP
arjefm-1123	81	56	over	over	ADP
arjefm-1123	81	57	50	50	NUM
arjefm-1123	81	58	million	million	NUM
arjefm-1123	81	59	,	,	PUNCT
arjefm-1123	81	60	but	but	CCONJ
arjefm-1123	81	61	not	not	PART
arjefm-1123	81	62	more	more	ADJ
arjefm-1123	81	63	than	than	ADP
arjefm-1123	81	64	200	200	NUM
arjefm-1123	81	65	million	million	NUM
arjefm-1123	81	66	including	include	VERB
arjefm-1123	81	67	working	work	VERB
arjefm-1123	81	68	capital	capital	NOUN
arjefm-1123	81	69	but	but	CCONJ
arjefm-1123	81	70	excluding	exclude	VERB
arjefm-1123	81	71	cost	cost	NOUN
arjefm-1123	81	72	of	of	ADP
arjefm-1123	81	73	land	land	NOUN
arjefm-1123	81	74	(	(	PUNCT
arjefm-1123	81	75	berger	berger	PROPN
arjefm-1123	81	76	,	,	PUNCT
arjefm-1123	81	77	2012	2012	NUM
arjefm-1123	81	78	)	)	PUNCT
arjefm-1123	81	79	.	.	PUNCT
arjefm-1123	82	1	smes	sme	NOUN
arjefm-1123	82	2	and	and	CCONJ
arjefm-1123	82	3	nerfund	nerfund	PROPN
arjefm-1123	82	4	(	(	PUNCT
arjefm-1123	82	5	2004	2004	NUM
arjefm-1123	82	6	)	)	PUNCT
arjefm-1123	82	7	define	define	VERB
arjefm-1123	82	8	smes	sme	NOUN
arjefm-1123	82	9	as	as	ADP
arjefm-1123	82	10	an	an	DET
arjefm-1123	82	11	enterprise	enterprise	NOUN
arjefm-1123	82	12	with	with	ADP
arjefm-1123	82	13	an	an	DET
arjefm-1123	82	14	asset	asset	NOUN
arjefm-1123	82	15	base	base	NOUN
arjefm-1123	82	16	not	not	PART
arjefm-1123	82	17	exceeding	exceed	VERB
arjefm-1123	82	18	n200,000,000.00	n200,000,000.00	PRON
arjefm-1123	82	19	excluding	exclude	VERB
arjefm-1123	82	20	land	land	NOUN
arjefm-1123	82	21	and	and	CCONJ
arjefm-1123	82	22	working	working	NOUN
arjefm-1123	82	23	capital	capital	NOUN
arjefm-1123	82	24	with	with	ADP
arjefm-1123	82	25	staff	staff	NOUN
arjefm-1123	82	26	strength	strength	NOUN
arjefm-1123	82	27	of	of	ADP
arjefm-1123	82	28	not	not	PART
arjefm-1123	82	29	less	less	ADJ
arjefm-1123	82	30	than	than	ADP
arjefm-1123	82	31	10	10	NUM
arjefm-1123	82	32	and	and	CCONJ
arjefm-1123	82	33	not	not	PART
arjefm-1123	82	34	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	82	35	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	83	1	american	american	PROPN
arjefm-1123	83	2	research	research	PROPN
arjefm-1123	83	3	journal	journal	PROPN
arjefm-1123	83	4	of	of	ADP
arjefm-1123	83	5	economics	economic	NOUN
arjefm-1123	83	6	,	,	PUNCT
arjefm-1123	83	7	finance	finance	NOUN
arjefm-1123	83	8	and	and	CCONJ
arjefm-1123	83	9	management	management	NOUN
arjefm-1123	83	10	volume	volume	NOUN
arjefm-1123	83	11	12	12	NUM
arjefm-1123	83	12	issue	issue	NOUN
arjefm-1123	83	13	4	4	NUM
arjefm-1123	83	14	,	,	PUNCT
arjefm-1123	83	15	october	october	PROPN
arjefm-1123	83	16	-	-	PUNCT
arjefm-1123	83	17	december	december	PROPN
arjefm-1123	83	18	2024	2024	NUM
arjefm-1123	83	19	issn	issn	NOUN
arjefm-1123	83	20	:	:	PUNCT
arjefm-1123	83	21	2836	2836	NUM
arjefm-1123	83	22	-	-	SYM
arjefm-1123	83	23	9416	9416	NUM
arjefm-1123	83	24	impact	impact	NOUN
arjefm-1123	83	25	factor	factor	NOUN
arjefm-1123	83	26	:	:	PUNCT
arjefm-1123	83	27	5.57	5.57	NUM
arjefm-1123	83	28	journal	journal	NOUN
arjefm-1123	83	29	homepage	homepage	NOUN
arjefm-1123	83	30	:	:	PUNCT
arjefm-1123	83	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	83	32	,	,	PUNCT
arjefm-1123	83	33	email	email	NOUN
arjefm-1123	83	34	:	:	PUNCT
arjefm-1123	83	35	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	83	36	official	official	ADJ
arjefm-1123	83	37	journal	journal	PROPN
arjefm-1123	83	38	of	of	ADP
arjefm-1123	83	39	america	america	PROPN
arjefm-1123	83	40	serial	serial	PROPN
arjefm-1123	83	41	publication	publication	NOUN
arjefm-1123	83	42	american	american	PROPN
arjefm-1123	83	43	research	research	PROPN
arjefm-1123	83	44	journal	journal	PROPN
arjefm-1123	83	45	of	of	ADP
arjefm-1123	83	46	economics	economic	NOUN
arjefm-1123	83	47	,	,	PUNCT
arjefm-1123	83	48	finance	finance	NOUN
arjefm-1123	83	49	and	and	CCONJ
arjefm-1123	83	50	management	management	NOUN
arjefm-1123	83	51	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	83	52	,	,	PUNCT
arjefm-1123	83	53	email	email	NOUN
arjefm-1123	83	54	:	:	PUNCT
arjefm-1123	83	55	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	83	56	5	5	NUM
arjefm-1123	84	1	|	|	ADV
arjefm-1123	84	2	p	p	X
arjefm-1123	84	3	a	a	DET
arjefm-1123	84	4	g	g	NOUN
arjefm-1123	84	5	e	e	NOUN
arjefm-1123	84	6	more	more	ADJ
arjefm-1123	84	7	than	than	ADP
arjefm-1123	84	8	300	300	NUM
arjefm-1123	84	9	.	.	PUNCT
arjefm-1123	85	1	a	a	DET
arjefm-1123	85	2	cursory	cursory	NOUN
arjefm-1123	85	3	glance	glance	NOUN
arjefm-1123	85	4	a	a	DET
arjefm-1123	85	5	the	the	DET
arjefm-1123	85	6	structure	structure	NOUN
arjefm-1123	85	7	of	of	ADP
arjefm-1123	85	8	smes	sme	NOUN
arjefm-1123	85	9	in	in	ADP
arjefm-1123	85	10	nigeria	nigeria	PROPN
arjefm-1123	85	11	reveals	reveal	VERB
arjefm-1123	85	12	that	that	SCONJ
arjefm-1123	85	13	50	50	NUM
arjefm-1123	85	14	%	%	NOUN
arjefm-1123	85	15	are	be	AUX
arjefm-1123	85	16	engage	engage	NOUN
arjefm-1123	85	17	in	in	ADP
arjefm-1123	85	18	distributive	distributive	ADJ
arjefm-1123	85	19	trade	trade	NOUN
arjefm-1123	85	20	,	,	PUNCT
arjefm-1123	85	21	10	10	NUM
arjefm-1123	85	22	%	%	NOUN
arjefm-1123	85	23	in	in	ADP
arjefm-1123	85	24	manufacturing	manufacturing	NOUN
arjefm-1123	85	25	,	,	PUNCT
arjefm-1123	85	26	30	30	NUM
arjefm-1123	85	27	%	%	NOUN
arjefm-1123	85	28	in	in	ADP
arjefm-1123	85	29	agriculture	agriculture	NOUN
arjefm-1123	85	30	and	and	CCONJ
arjefm-1123	85	31	the	the	DET
arjefm-1123	85	32	rest	rest	NOUN
arjefm-1123	85	33	10	10	NUM
arjefm-1123	85	34	%	%	NOUN
arjefm-1123	85	35	in	in	ADP
arjefm-1123	85	36	services	service	NOUN
arjefm-1123	85	37	.	.	PUNCT
arjefm-1123	86	1	a	a	DET
arjefm-1123	86	2	special	special	ADJ
arjefm-1123	86	3	feature	feature	NOUN
arjefm-1123	86	4	of	of	ADP
arjefm-1123	86	5	nigeria	nigeria	PROPN
arjefm-1123	86	6	smes	smes	PROPN
arjefm-1123	86	7	is	be	AUX
arjefm-1123	86	8	that	that	SCONJ
arjefm-1123	86	9	distributive	distributive	ADJ
arjefm-1123	86	10	trade	trade	NOUN
arjefm-1123	86	11	component	component	NOUN
arjefm-1123	86	12	is	be	AUX
arjefm-1123	86	13	generally	generally	ADV
arjefm-1123	86	14	considered	consider	VERB
arjefm-1123	86	15	more	more	ADV
arjefm-1123	86	16	commercially	commercially	ADV
arjefm-1123	86	17	viable	viable	ADJ
arjefm-1123	86	18	than	than	ADP
arjefm-1123	86	19	the	the	DET
arjefm-1123	86	20	manufacturing	manufacturing	NOUN
arjefm-1123	86	21	component	component	NOUN
arjefm-1123	86	22	hence	hence	ADV
arjefm-1123	86	23	they	they	PRON
arjefm-1123	86	24	attract	attract	VERB
arjefm-1123	86	25	more	more	ADJ
arjefm-1123	86	26	funding	funding	NOUN
arjefm-1123	86	27	from	from	ADP
arjefm-1123	86	28	bank	bank	PROPN
arjefm-1123	86	29	and	and	CCONJ
arjefm-1123	86	30	other	other	ADJ
arjefm-1123	86	31	financial	financial	ADJ
arjefm-1123	86	32	institutions	institution	NOUN
arjefm-1123	86	33	(	(	PUNCT
arjefm-1123	86	34	ibru	ibru	NOUN
arjefm-1123	86	35	,	,	PUNCT
arjefm-1123	86	36	2004	2004	NUM
arjefm-1123	86	37	)	)	PUNCT
arjefm-1123	86	38	.	.	PUNCT
arjefm-1123	87	1	in	in	ADP
arjefm-1123	87	2	summary	summary	NOUN
arjefm-1123	87	3	smes	sme	NOUN
arjefm-1123	87	4	can	can	AUX
arjefm-1123	87	5	therefore	therefore	ADV
arjefm-1123	87	6	be	be	AUX
arjefm-1123	87	7	said	say	VERB
arjefm-1123	87	8	to	to	PART
arjefm-1123	87	9	be	be	AUX
arjefm-1123	87	10	conducted	conduct	VERB
arjefm-1123	87	11	in	in	ADP
arjefm-1123	87	12	the	the	DET
arjefm-1123	87	13	following	following	ADJ
arjefm-1123	87	14	terms	term	NOUN
arjefm-1123	87	15	:	:	PUNCT
arjefm-1123	87	16	i.	i.	NOUN
arjefm-1123	87	17	as	as	ADP
arjefm-1123	87	18	a	a	DET
arjefm-1123	87	19	proprietorship	proprietorship	NOUN
arjefm-1123	87	20	:	:	PUNCT
arjefm-1123	87	21	single	single	ADJ
arjefm-1123	87	22	ownership	ownership	NOUN
arjefm-1123	87	23	.	.	PUNCT
arjefm-1123	88	1	ii	ii	PROPN
arjefm-1123	88	2	.	.	PUNCT
arjefm-1123	89	1	as	as	ADP
arjefm-1123	89	2	a	a	DET
arjefm-1123	89	3	partnership	partnership	NOUN
arjefm-1123	89	4	:	:	PUNCT
arjefm-1123	89	5	where	where	SCONJ
arjefm-1123	89	6	(	(	PUNCT
arjefm-1123	89	7	2	2	NUM
arjefm-1123	89	8	-	-	SYM
arjefm-1123	89	9	20	20	NUM
arjefm-1123	89	10	)	)	PUNCT
arjefm-1123	89	11	two	two	NUM
arjefm-1123	89	12	to	to	PART
arjefm-1123	89	13	twenty	twenty	NUM
arjefm-1123	89	14	people	people	NOUN
arjefm-1123	89	15	polled	poll	VERB
arjefm-1123	89	16	their	their	PRON
arjefm-1123	89	17	resources	resource	NOUN
arjefm-1123	89	18	together	together	ADV
arjefm-1123	89	19	iii	iii	NOUN
arjefm-1123	89	20	.	.	PUNCT
arjefm-1123	90	1	as	as	ADP
arjefm-1123	90	2	a	a	DET
arjefm-1123	90	3	legally	legally	ADV
arjefm-1123	90	4	,	,	PUNCT
arjefm-1123	90	5	incorporated	incorporated	ADJ
arjefm-1123	90	6	entity	entity	NOUN
arjefm-1123	90	7	:	:	PUNCT
arjefm-1123	90	8	having	have	VERB
arjefm-1123	90	9	the	the	DET
arjefm-1123	90	10	characteristics	characteristic	NOUN
arjefm-1123	90	11	of	of	ADP
arjefm-1123	90	12	a	a	DET
arjefm-1123	90	13	legal	legal	ADJ
arjefm-1123	90	14	person	person	NOUN
arjefm-1123	90	15	and	and	CCONJ
arjefm-1123	90	16	this	this	PRON
arjefm-1123	90	17	could	could	AUX
arjefm-1123	90	18	be	be	AUX
arjefm-1123	90	19	a	a	DET
arjefm-1123	90	20	private	private	ADJ
arjefm-1123	90	21	limited	limited	ADJ
arjefm-1123	90	22	sole	sole	ADJ
arjefm-1123	90	23	company	company	NOUN
arjefm-1123	90	24	.	.	PUNCT
arjefm-1123	91	1	however	however	ADV
arjefm-1123	91	2	,	,	PUNCT
arjefm-1123	91	3	in	in	ADP
arjefm-1123	91	4	nigeria	nigeria	PRON
arjefm-1123	91	5	more	more	ADJ
arjefm-1123	91	6	than	than	ADP
arjefm-1123	91	7	83	83	NUM
arjefm-1123	91	8	%	%	NOUN
arjefm-1123	91	9	of	of	ADP
arjefm-1123	91	10	the	the	DET
arjefm-1123	91	11	smes	sme	NOUN
arjefm-1123	91	12	operate	operate	VERB
arjefm-1123	91	13	under	under	ADP
arjefm-1123	91	14	the	the	DET
arjefm-1123	91	15	first	first	ADJ
arjefm-1123	91	16	two	two	NUM
arjefm-1123	91	17	businesses	business	NOUN
arjefm-1123	91	18	type	type	NOUN
arjefm-1123	91	19	,	,	PUNCT
arjefm-1123	91	20	while	while	SCONJ
arjefm-1123	91	21	the	the	DET
arjefm-1123	91	22	third	third	ADJ
arjefm-1123	91	23	one	one	NUM
arjefm-1123	91	24	operate	operate	VERB
arjefm-1123	91	25	mainly	mainly	ADV
arjefm-1123	91	26	as	as	ADP
arjefm-1123	91	27	family	family	NOUN
arjefm-1123	91	28	business	business	NOUN
arjefm-1123	91	29	(	(	PUNCT
arjefm-1123	91	30	ibru	ibru	NOUN
arjefm-1123	91	31	,	,	PUNCT
arjefm-1123	91	32	2004	2004	NUM
arjefm-1123	91	33	)	)	PUNCT
arjefm-1123	91	34	.	.	PUNCT
arjefm-1123	92	1	according	accord	VERB
arjefm-1123	92	2	to	to	ADP
arjefm-1123	92	3	babajide	babajide	PROPN
arjefm-1123	92	4	(	(	PUNCT
arjefm-1123	92	5	2012	2012	NUM
arjefm-1123	92	6	)	)	PUNCT
arjefm-1123	92	7	smes	sme	NOUN
arjefm-1123	92	8	and	and	CCONJ
arjefm-1123	92	9	entrepreneurship	entrepreneurship	NOUN
arjefm-1123	92	10	are	be	AUX
arjefm-1123	92	11	now	now	ADV
arjefm-1123	92	12	recognized	recognize	VERB
arjefm-1123	92	13	worldwide	worldwide	ADV
arjefm-1123	92	14	as	as	ADP
arjefm-1123	92	15	key	key	ADJ
arjefm-1123	92	16	source	source	NOUN
arjefm-1123	92	17	of	of	ADP
arjefm-1123	92	18	economic	economic	ADJ
arjefm-1123	92	19	growth	growth	NOUN
arjefm-1123	92	20	and	and	CCONJ
arjefm-1123	92	21	development	development	NOUN
arjefm-1123	92	22	.	.	PUNCT
arjefm-1123	93	1	okpara	okpara	NOUN
arjefm-1123	93	2	(	(	PUNCT
arjefm-1123	93	3	2010	2010	NUM
arjefm-1123	93	4	)	)	PUNCT
arjefm-1123	93	5	opined	opine	VERB
arjefm-1123	93	6	that	that	PRON
arjefm-1123	93	7	small	small	ADJ
arjefm-1123	93	8	and	and	CCONJ
arjefm-1123	93	9	medium	medium	ADJ
arjefm-1123	93	10	scale	scale	NOUN
arjefm-1123	93	11	enterprises	enterprise	NOUN
arjefm-1123	93	12	play	play	VERB
arjefm-1123	93	13	a	a	DET
arjefm-1123	93	14	very	very	ADV
arjefm-1123	93	15	important	important	ADJ
arjefm-1123	93	16	role	role	NOUN
arjefm-1123	93	17	in	in	ADP
arjefm-1123	93	18	developing	develop	VERB
arjefm-1123	93	19	economies	economy	NOUN
arjefm-1123	93	20	.	.	PUNCT
arjefm-1123	94	1	this	this	DET
arjefm-1123	94	2	view	view	NOUN
arjefm-1123	94	3	was	be	AUX
arjefm-1123	94	4	also	also	ADV
arjefm-1123	94	5	supported	support	VERB
arjefm-1123	94	6	by	by	ADP
arjefm-1123	94	7	ajagba	ajagba	NOUN
arjefm-1123	94	8	and	and	CCONJ
arjefm-1123	94	9	bolaji	bolaji	NOUN
arjefm-1123	94	10	(	(	PUNCT
arjefm-1123	94	11	2013	2013	NUM
arjefm-1123	94	12	)	)	PUNCT
arjefm-1123	94	13	when	when	SCONJ
arjefm-1123	94	14	they	they	PRON
arjefm-1123	94	15	upheld	uphold	VERB
arjefm-1123	94	16	that	that	SCONJ
arjefm-1123	94	17	the	the	DET
arjefm-1123	94	18	promotion	promotion	NOUN
arjefm-1123	94	19	of	of	ADP
arjefm-1123	94	20	micro	micro	ADJ
arjefm-1123	94	21	enterprises	enterprise	NOUN
arjefm-1123	94	22	in	in	ADP
arjefm-1123	94	23	developing	develop	VERB
arjefm-1123	94	24	countries	country	NOUN
arjefm-1123	94	25	is	be	AUX
arjefm-1123	94	26	justified	justify	VERB
arjefm-1123	94	27	in	in	ADP
arjefm-1123	94	28	their	their	PRON
arjefm-1123	94	29	abilities	ability	NOUN
arjefm-1123	94	30	to	to	ADP
arjefm-1123	94	31	faster	fast	ADJ
arjefm-1123	94	32	economic	economic	ADJ
arjefm-1123	94	33	growth	growth	NOUN
arjefm-1123	94	34	,	,	PUNCT
arjefm-1123	94	35	alleviate	alleviate	VERB
arjefm-1123	94	36	poverty	poverty	NOUN
arjefm-1123	94	37	and	and	CCONJ
arjefm-1123	94	38	generate	generate	VERB
arjefm-1123	94	39	employment	employment	NOUN
arjefm-1123	94	40	.	.	PUNCT
arjefm-1123	95	1	according	accord	VERB
arjefm-1123	95	2	to	to	ADP
arjefm-1123	95	3	the	the	DET
arjefm-1123	95	4	nigeria	nigeria	PROPN
arjefm-1123	95	5	’s	’s	PART
arjefm-1123	95	6	national	national	PROPN
arjefm-1123	95	7	council	council	PROPN
arjefm-1123	95	8	on	on	ADP
arjefm-1123	95	9	industry	industry	NOUN
arjefm-1123	95	10	;	;	PUNCT
arjefm-1123	95	11	an	an	DET
arjefm-1123	95	12	sme	sme	NOUN
arjefm-1123	95	13	is	be	AUX
arjefm-1123	95	14	define	define	ADJ
arjefm-1123	95	15	in	in	ADP
arjefm-1123	95	16	terms	term	NOUN
arjefm-1123	95	17	of	of	ADP
arjefm-1123	95	18	employment	employment	NOUN
arjefm-1123	95	19	i.e.	i.e.	X
arjefm-1123	95	20	as	as	ADP
arjefm-1123	95	21	one	one	NUM
arjefm-1123	95	22	with	with	ADP
arjefm-1123	95	23	between	between	ADP
arjefm-1123	95	24	10	10	NUM
arjefm-1123	95	25	and	and	CCONJ
arjefm-1123	95	26	300	300	NUM
arjefm-1123	95	27	employees	employee	NOUN
arjefm-1123	95	28	.	.	PUNCT
arjefm-1123	96	1	the	the	DET
arjefm-1123	96	2	benefits	benefit	NOUN
arjefm-1123	96	3	of	of	ADP
arjefm-1123	96	4	smes	sme	NOUN
arjefm-1123	96	5	can	can	AUX
arjefm-1123	96	6	not	not	PART
arjefm-1123	96	7	be	be	AUX
arjefm-1123	96	8	overemphasized	overemphasize	VERB
arjefm-1123	96	9	as	as	SCONJ
arjefm-1123	96	10	they	they	PRON
arjefm-1123	96	11	include	include	VERB
arjefm-1123	96	12	;	;	PUNCT
arjefm-1123	96	13	contributions	contribution	NOUN
arjefm-1123	96	14	to	to	ADP
arjefm-1123	96	15	the	the	DET
arjefm-1123	96	16	economy	economy	NOUN
arjefm-1123	96	17	in	in	ADP
arjefm-1123	96	18	terms	term	NOUN
arjefm-1123	96	19	of	of	ADP
arjefm-1123	96	20	output	output	NOUN
arjefm-1123	96	21	of	of	ADP
arjefm-1123	96	22	goods	good	NOUN
arjefm-1123	96	23	and	and	CCONJ
arjefm-1123	96	24	services	service	NOUN
arjefm-1123	96	25	,	,	PUNCT
arjefm-1123	96	26	and	and	CCONJ
arjefm-1123	96	27	creation	creation	NOUN
arjefm-1123	96	28	of	of	ADP
arjefm-1123	96	29	jobs	job	NOUN
arjefm-1123	96	30	at	at	ADP
arjefm-1123	96	31	relatively	relatively	ADV
arjefm-1123	96	32	low	low	ADJ
arjefm-1123	96	33	capital	capital	NOUN
arjefm-1123	96	34	cost	cost	NOUN
arjefm-1123	96	35	..	..	PUNCT
arjefm-1123	97	1	it	it	PRON
arjefm-1123	97	2	is	be	AUX
arjefm-1123	97	3	a	a	DET
arjefm-1123	97	4	medium	medium	NOUN
arjefm-1123	97	5	for	for	ADP
arjefm-1123	97	6	the	the	DET
arjefm-1123	97	7	reduction	reduction	NOUN
arjefm-1123	97	8	of	of	ADP
arjefm-1123	97	9	income	income	NOUN
arjefm-1123	97	10	disparities	disparity	NOUN
arjefm-1123	97	11	thus	thus	ADV
arjefm-1123	97	12	developing	develop	VERB
arjefm-1123	97	13	a	a	DET
arjefm-1123	97	14	pool	pool	NOUN
arjefm-1123	97	15	of	of	ADP
arjefm-1123	97	16	skilled	skilled	ADJ
arjefm-1123	97	17	or	or	CCONJ
arjefm-1123	97	18	semi	semi	ADJ
arjefm-1123	97	19	-	-	ADJ
arjefm-1123	97	20	skilled	skilled	ADJ
arjefm-1123	97	21	workers	worker	NOUN
arjefm-1123	97	22	as	as	ADP
arjefm-1123	97	23	a	a	DET
arjefm-1123	97	24	basis	basis	NOUN
arjefm-1123	97	25	for	for	ADP
arjefm-1123	97	26	the	the	DET
arjefm-1123	97	27	future	future	ADJ
arjefm-1123	97	28	industrial	industrial	ADJ
arjefm-1123	97	29	expansion	expansion	NOUN
arjefm-1123	97	30	;	;	PUNCT
arjefm-1123	97	31	improve	improve	VERB
arjefm-1123	97	32	forward	forward	ADV
arjefm-1123	97	33	and	and	CCONJ
arjefm-1123	97	34	backward	backward	ADJ
arjefm-1123	97	35	linkages	linkage	NOUN
arjefm-1123	97	36	between	between	ADP
arjefm-1123	97	37	economically	economically	ADV
arjefm-1123	97	38	,	,	PUNCT
arjefm-1123	97	39	socially	socially	ADV
arjefm-1123	97	40	and	and	CCONJ
arjefm-1123	97	41	geographically	geographically	ADV
arjefm-1123	97	42	diverse	diverse	ADJ
arjefm-1123	97	43	sectors	sector	NOUN
arjefm-1123	97	44	of	of	ADP
arjefm-1123	97	45	the	the	DET
arjefm-1123	97	46	economy	economy	NOUN
arjefm-1123	97	47	provide	provide	VERB
arjefm-1123	97	48	opportunities	opportunity	NOUN
arjefm-1123	97	49	for	for	ADP
arjefm-1123	97	50	developing	develop	VERB
arjefm-1123	97	51	and	and	CCONJ
arjefm-1123	97	52	adapting	adapt	VERB
arjefm-1123	97	53	appropriate	appropriate	ADJ
arjefm-1123	97	54	technological	technological	ADJ
arjefm-1123	97	55	approaches	approach	NOUN
arjefm-1123	97	56	and	and	CCONJ
arjefm-1123	97	57	also	also	ADV
arjefm-1123	97	58	offer	offer	VERB
arjefm-1123	97	59	an	an	DET
arjefm-1123	97	60	excellent	excellent	ADJ
arjefm-1123	97	61	breeding	breeding	NOUN
arjefm-1123	97	62	ground	ground	NOUN
arjefm-1123	97	63	for	for	ADP
arjefm-1123	97	64	entrepreneurial	entrepreneurial	ADJ
arjefm-1123	97	65	and	and	CCONJ
arjefm-1123	97	66	managerial	managerial	ADJ
arjefm-1123	97	67	talent	talent	NOUN
arjefm-1123	97	68	.	.	PUNCT
arjefm-1123	98	1	2.2	2.2	NUM
arjefm-1123	98	2	theoretical	theoretical	ADJ
arjefm-1123	98	3	underpinning	underpin	VERB
arjefm-1123	98	4	this	this	DET
arjefm-1123	98	5	study	study	NOUN
arjefm-1123	98	6	in	in	ADP
arjefm-1123	98	7	anchored	anchor	VERB
arjefm-1123	98	8	on	on	ADP
arjefm-1123	98	9	financial	financial	ADJ
arjefm-1123	98	10	growth	growth	NOUN
arjefm-1123	98	11	theory	theory	NOUN
arjefm-1123	98	12	.	.	PUNCT
arjefm-1123	99	1	the	the	DET
arjefm-1123	99	2	theory	theory	NOUN
arjefm-1123	99	3	was	be	AUX
arjefm-1123	99	4	developed	develop	VERB
arjefm-1123	99	5	by	by	ADP
arjefm-1123	99	6	berger	berger	PROPN
arjefm-1123	99	7	and	and	CCONJ
arjefm-1123	99	8	udell	udell	PROPN
arjefm-1123	99	9	(	(	PUNCT
arjefm-1123	99	10	1998	1998	NUM
arjefm-1123	99	11	)	)	PUNCT
arjefm-1123	99	12	.	.	PUNCT
arjefm-1123	100	1	according	accord	VERB
arjefm-1123	100	2	to	to	ADP
arjefm-1123	100	3	them	they	PRON
arjefm-1123	100	4	,	,	PUNCT
arjefm-1123	100	5	as	as	ADP
arjefm-1123	100	6	a	a	DET
arjefm-1123	100	7	business	business	NOUN
arjefm-1123	100	8	matures	mature	NOUN
arjefm-1123	100	9	over	over	ADP
arjefm-1123	100	10	the	the	DET
arjefm-1123	100	11	years	year	NOUN
arjefm-1123	100	12	,	,	PUNCT
arjefm-1123	100	13	its	its	PRON
arjefm-1123	100	14	financial	financial	ADJ
arjefm-1123	100	15	obligations	obligation	NOUN
arjefm-1123	100	16	and	and	CCONJ
arjefm-1123	100	17	financing	financing	NOUN
arjefm-1123	100	18	options	option	NOUN
arjefm-1123	100	19	metamorphose	metamorphose	VERB
arjefm-1123	100	20	having	have	VERB
arjefm-1123	100	21	more	more	ADJ
arjefm-1123	100	22	information	information	NOUN
arjefm-1123	100	23	available	available	ADJ
arjefm-1123	100	24	to	to	ADP
arjefm-1123	100	25	the	the	DET
arjefm-1123	100	26	public	public	NOUN
arjefm-1123	100	27	.	.	PUNCT
arjefm-1123	101	1	according	accord	VERB
arjefm-1123	101	2	to	to	ADP
arjefm-1123	101	3	them	they	PRON
arjefm-1123	101	4	,	,	PUNCT
arjefm-1123	101	5	firms	firm	NOUN
arjefm-1123	101	6	that	that	PRON
arjefm-1123	101	7	are	be	AUX
arjefm-1123	101	8	smaller	small	ADJ
arjefm-1123	101	9	,	,	PUNCT
arjefm-1123	101	10	younger	young	ADJ
arjefm-1123	101	11	and	and	CCONJ
arjefm-1123	101	12	possess	possess	VERB
arjefm-1123	101	13	more	more	ADV
arjefm-1123	101	14	ambiguous	ambiguous	ADJ
arjefm-1123	101	15	information	information	NOUN
arjefm-1123	101	16	must	must	AUX
arjefm-1123	101	17	depend	depend	VERB
arjefm-1123	101	18	on	on	ADP
arjefm-1123	101	19	initial	initial	ADJ
arjefm-1123	101	20	internal	internal	ADJ
arjefm-1123	101	21	funding	funding	NOUN
arjefm-1123	101	22	,	,	PUNCT
arjefm-1123	101	23	trade	trade	NOUN
arjefm-1123	101	24	credit	credit	NOUN
arjefm-1123	101	25	,	,	PUNCT
arjefm-1123	101	26	or	or	CCONJ
arjefm-1123	101	27	a	a	DET
arjefm-1123	101	28	type	type	NOUN
arjefm-1123	101	29	of	of	ADP
arjefm-1123	101	30	financing	financing	NOUN
arjefm-1123	101	31	called	call	VERB
arjefm-1123	101	32	angel	angel	NOUN
arjefm-1123	101	33	finance	finance	NOUN
arjefm-1123	101	34	.	.	PUNCT
arjefm-1123	102	1	(	(	PUNCT
arjefm-1123	102	2	angel	angel	NOUN
arjefm-1123	102	3	finance	finance	NOUN
arjefm-1123	102	4	is	be	AUX
arjefm-1123	102	5	one	one	NUM
arjefm-1123	102	6	that	that	PRON
arjefm-1123	102	7	occurs	occur	VERB
arjefm-1123	102	8	when	when	SCONJ
arjefm-1123	102	9	an	an	DET
arjefm-1123	102	10	individual	individual	NOUN
arjefm-1123	102	11	or	or	CCONJ
arjefm-1123	102	12	organization	organization	NOUN
arjefm-1123	102	13	provides	provide	VERB
arjefm-1123	102	14	a	a	DET
arjefm-1123	102	15	limited	limited	ADJ
arjefm-1123	102	16	amount	amount	NOUN
arjefm-1123	102	17	of	of	ADP
arjefm-1123	102	18	financial	financial	ADJ
arjefm-1123	102	19	backing	backing	NOUN
arjefm-1123	102	20	for	for	ADP
arjefm-1123	102	21	a	a	DET
arjefm-1123	102	22	startup	startup	NOUN
arjefm-1123	102	23	business	business	NOUN
arjefm-1123	102	24	with	with	ADP
arjefm-1123	102	25	more	more	ADV
arjefm-1123	102	26	favourable	favourable	ADJ
arjefm-1123	102	27	repayment	repayment	NOUN
arjefm-1123	102	28	plan	plan	NOUN
arjefm-1123	102	29	)	)	PUNCT
arjefm-1123	102	30	.	.	PUNCT
arjefm-1123	103	1	as	as	SCONJ
arjefm-1123	103	2	the	the	DET
arjefm-1123	103	3	firm	firm	NOUN
arjefm-1123	103	4	grows	grow	VERB
arjefm-1123	103	5	,	,	PUNCT
arjefm-1123	103	6	it	it	PRON
arjefm-1123	103	7	qualifies	qualify	VERB
arjefm-1123	103	8	for	for	ADP
arjefm-1123	103	9	acquiring	acquire	VERB
arjefm-1123	103	10	both	both	DET
arjefm-1123	103	11	venture	venture	NOUN
arjefm-1123	103	12	capital	capital	NOUN
arjefm-1123	103	13	and	and	CCONJ
arjefm-1123	103	14	midterm	midterm	NOUN
arjefm-1123	103	15	loans	loan	NOUN
arjefm-1123	103	16	as	as	ADP
arjefm-1123	103	17	sources	source	NOUN
arjefm-1123	103	18	of	of	ADP
arjefm-1123	103	19	both	both	DET
arjefm-1123	103	20	intermediate	intermediate	ADJ
arjefm-1123	103	21	equity	equity	NOUN
arjefm-1123	103	22	and	and	CCONJ
arjefm-1123	103	23	intermediate	intermediate	ADJ
arjefm-1123	103	24	debt	debt	NOUN
arjefm-1123	103	25	respectively	respectively	ADV
arjefm-1123	103	26	.	.	PUNCT
arjefm-1123	104	1	further	further	ADJ
arjefm-1123	104	2	aging	aging	NOUN
arjefm-1123	104	3	of	of	ADP
arjefm-1123	104	4	the	the	DET
arjefm-1123	104	5	firm	firm	NOUN
arjefm-1123	104	6	makes	make	VERB
arjefm-1123	104	7	it	it	PRON
arjefm-1123	104	8	to	to	PART
arjefm-1123	104	9	become	become	VERB
arjefm-1123	104	10	bigger	big	ADJ
arjefm-1123	104	11	and	and	CCONJ
arjefm-1123	104	12	less	less	ADJ
arjefm-1123	104	13	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1123	104	14	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	105	1	american	american	PROPN
arjefm-1123	105	2	research	research	PROPN
arjefm-1123	105	3	journal	journal	PROPN
arjefm-1123	105	4	of	of	ADP
arjefm-1123	105	5	economics	economic	NOUN
arjefm-1123	105	6	,	,	PUNCT
arjefm-1123	105	7	finance	finance	NOUN
arjefm-1123	105	8	and	and	CCONJ
arjefm-1123	105	9	management	management	NOUN
arjefm-1123	105	10	volume	volume	NOUN
arjefm-1123	105	11	12	12	NUM
arjefm-1123	105	12	issue	issue	NOUN
arjefm-1123	105	13	4	4	NUM
arjefm-1123	105	14	,	,	PUNCT
arjefm-1123	105	15	october	october	PROPN
arjefm-1123	105	16	-	-	PUNCT
arjefm-1123	105	17	december	december	PROPN
arjefm-1123	105	18	2024	2024	NUM
arjefm-1123	105	19	issn	issn	NOUN
arjefm-1123	105	20	:	:	PUNCT
arjefm-1123	105	21	2836	2836	NUM
arjefm-1123	105	22	-	-	SYM
arjefm-1123	105	23	9416	9416	NUM
arjefm-1123	105	24	impact	impact	NOUN
arjefm-1123	105	25	factor	factor	NOUN
arjefm-1123	105	26	:	:	PUNCT
arjefm-1123	105	27	5.57	5.57	NUM
arjefm-1123	105	28	journal	journal	NOUN
arjefm-1123	105	29	homepage	homepage	NOUN
arjefm-1123	105	30	:	:	PUNCT
arjefm-1123	105	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	105	32	,	,	PUNCT
arjefm-1123	105	33	email	email	NOUN
arjefm-1123	105	34	:	:	PUNCT
arjefm-1123	105	35	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	105	36	official	official	ADJ
arjefm-1123	105	37	journal	journal	PROPN
arjefm-1123	105	38	of	of	ADP
arjefm-1123	105	39	america	america	PROPN
arjefm-1123	105	40	serial	serial	PROPN
arjefm-1123	105	41	publication	publication	NOUN
arjefm-1123	105	42	american	american	PROPN
arjefm-1123	105	43	research	research	PROPN
arjefm-1123	105	44	journal	journal	PROPN
arjefm-1123	105	45	of	of	ADP
arjefm-1123	105	46	economics	economic	NOUN
arjefm-1123	105	47	,	,	PUNCT
arjefm-1123	105	48	finance	finance	NOUN
arjefm-1123	105	49	and	and	CCONJ
arjefm-1123	105	50	management	management	NOUN
arjefm-1123	105	51	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	105	52	,	,	PUNCT
arjefm-1123	105	53	email	email	NOUN
arjefm-1123	105	54	:	:	PUNCT
arjefm-1123	105	55	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	106	1	6	6	NUM
arjefm-1123	107	1	|	|	ADV
arjefm-1123	107	2	p	p	X
arjefm-1123	107	3	a	a	DET
arjefm-1123	107	4	g	g	NOUN
arjefm-1123	107	5	e	e	NOUN
arjefm-1123	107	6	information	information	NOUN
arjefm-1123	107	7	ally	ally	NOUN
arjefm-1123	107	8	murky	murky	ADJ
arjefm-1123	107	9	.	.	PUNCT
arjefm-1123	108	1	this	this	PRON
arjefm-1123	108	2	thus	thus	ADV
arjefm-1123	108	3	qualifies	qualify	VERB
arjefm-1123	108	4	the	the	DET
arjefm-1123	108	5	firm	firm	NOUN
arjefm-1123	108	6	to	to	PART
arjefm-1123	108	7	have	have	VERB
arjefm-1123	108	8	access	access	NOUN
arjefm-1123	108	9	to	to	ADP
arjefm-1123	108	10	both	both	PRON
arjefm-1123	108	11	public	public	ADJ
arjefm-1123	108	12	equity	equity	NOUN
arjefm-1123	108	13	and	and	CCONJ
arjefm-1123	108	14	long	long	ADJ
arjefm-1123	108	15	term	term	NOUN
arjefm-1123	108	16	loans	loan	NOUN
arjefm-1123	108	17	as	as	ADP
arjefm-1123	108	18	sources	source	NOUN
arjefm-1123	108	19	of	of	ADP
arjefm-1123	108	20	both	both	PRON
arjefm-1123	108	21	long	long	ADJ
arjefm-1123	108	22	term	term	NOUN
arjefm-1123	108	23	equity	equity	NOUN
arjefm-1123	108	24	and	and	CCONJ
arjefm-1123	108	25	long	long	ADJ
arjefm-1123	108	26	term	term	NOUN
arjefm-1123	108	27	debt	debt	NOUN
arjefm-1123	108	28	respectively	respectively	ADV
arjefm-1123	108	29	.	.	PUNCT
arjefm-1123	109	1	the	the	DET
arjefm-1123	109	2	capital	capital	NOUN
arjefm-1123	109	3	structure	structure	NOUN
arjefm-1123	109	4	of	of	ADP
arjefm-1123	109	5	smes	sme	NOUN
arjefm-1123	109	6	is	be	AUX
arjefm-1123	109	7	thus	thus	ADV
arjefm-1123	109	8	very	very	ADV
arjefm-1123	109	9	different	different	ADJ
arjefm-1123	109	10	from	from	ADP
arjefm-1123	109	11	that	that	PRON
arjefm-1123	109	12	of	of	ADP
arjefm-1123	109	13	bigger	big	ADJ
arjefm-1123	109	14	firms	firm	NOUN
arjefm-1123	109	15	because	because	SCONJ
arjefm-1123	109	16	smes	sme	NOUN
arjefm-1123	109	17	rely	rely	VERB
arjefm-1123	109	18	more	more	ADV
arjefm-1123	109	19	on	on	ADP
arjefm-1123	109	20	informal	informal	ADJ
arjefm-1123	109	21	financial	financial	ADJ
arjefm-1123	109	22	market	market	NOUN
arjefm-1123	109	23	which	which	PRON
arjefm-1123	109	24	limits	limit	VERB
arjefm-1123	109	25	the	the	DET
arjefm-1123	109	26	type	type	NOUN
arjefm-1123	109	27	of	of	ADP
arjefm-1123	109	28	financing	financing	NOUN
arjefm-1123	109	29	they	they	PRON
arjefm-1123	109	30	are	be	AUX
arjefm-1123	109	31	able	able	ADJ
arjefm-1123	109	32	to	to	PART
arjefm-1123	109	33	secure	secure	VERB
arjefm-1123	109	34	.	.	PUNCT
arjefm-1123	110	1	the	the	DET
arjefm-1123	110	2	smes	smes	PROPN
arjefm-1123	110	3	initial	initial	ADJ
arjefm-1123	110	4	use	use	NOUN
arjefm-1123	110	5	of	of	ADP
arjefm-1123	110	6	internal	internal	ADJ
arjefm-1123	110	7	financing	financing	NOUN
arjefm-1123	110	8	leads	lead	VERB
arjefm-1123	110	9	to	to	ADP
arjefm-1123	110	10	a	a	DET
arjefm-1123	110	11	peculiar	peculiar	ADJ
arjefm-1123	110	12	state	state	NOUN
arjefm-1123	110	13	of	of	ADP
arjefm-1123	110	14	affairs	affair	NOUN
arjefm-1123	110	15	whereby	whereby	SCONJ
arjefm-1123	110	16	capital	capital	NOUN
arjefm-1123	110	17	structure	structure	NOUN
arjefm-1123	110	18	decisions	decision	NOUN
arjefm-1123	110	19	are	be	AUX
arjefm-1123	110	20	heavily	heavily	ADV
arjefm-1123	110	21	dependent	dependent	ADJ
arjefm-1123	110	22	on	on	ADP
arjefm-1123	110	23	the	the	DET
arjefm-1123	110	24	limited	limited	ADJ
arjefm-1123	110	25	financing	financing	NOUN
arjefm-1123	110	26	options	option	NOUN
arjefm-1123	110	27	.	.	PUNCT
arjefm-1123	111	1	therefore	therefore	ADV
arjefm-1123	111	2	,	,	PUNCT
arjefm-1123	111	3	smes	sme	NOUN
arjefm-1123	111	4	possess	possess	VERB
arjefm-1123	111	5	varying	vary	VERB
arjefm-1123	111	6	capital	capital	NOUN
arjefm-1123	111	7	structures	structure	NOUN
arjefm-1123	111	8	and	and	CCONJ
arjefm-1123	111	9	are	be	AUX
arjefm-1123	111	10	financed	finance	VERB
arjefm-1123	111	11	by	by	ADP
arjefm-1123	111	12	various	various	ADJ
arjefm-1123	111	13	sources	source	NOUN
arjefm-1123	111	14	at	at	ADP
arjefm-1123	111	15	different	different	ADJ
arjefm-1123	111	16	stages	stage	NOUN
arjefm-1123	111	17	of	of	ADP
arjefm-1123	111	18	their	their	PRON
arjefm-1123	111	19	development	development	NOUN
arjefm-1123	111	20	(	(	PUNCT
arjefm-1123	111	21	berger	berger	PROPN
arjefm-1123	111	22	and	and	CCONJ
arjefm-1123	111	23	udell	udell	PROPN
arjefm-1123	111	24	,	,	PUNCT
arjefm-1123	111	25	1998	1998	NUM
arjefm-1123	111	26	)	)	PUNCT
arjefm-1123	111	27	.	.	PUNCT
arjefm-1123	112	1	empirical	empirical	ADJ
arjefm-1123	112	2	review	review	NOUN
arjefm-1123	112	3	eke	eke	ADJ
arjefm-1123	112	4	and	and	CCONJ
arjefm-1123	112	5	idogun	idogun	NOUN
arjefm-1123	112	6	(	(	PUNCT
arjefm-1123	112	7	2022	2022	NUM
arjefm-1123	112	8	)	)	PUNCT
arjefm-1123	112	9	examined	examine	VERB
arjefm-1123	112	10	the	the	DET
arjefm-1123	112	11	impact	impact	NOUN
arjefm-1123	112	12	of	of	ADP
arjefm-1123	112	13	microcredit	microcredit	NOUN
arjefm-1123	112	14	availability	availability	NOUN
arjefm-1123	112	15	on	on	ADP
arjefm-1123	112	16	the	the	DET
arjefm-1123	112	17	growth	growth	NOUN
arjefm-1123	112	18	of	of	ADP
arjefm-1123	112	19	small	small	ADJ
arjefm-1123	112	20	and	and	CCONJ
arjefm-1123	112	21	medium	medium	ADJ
arjefm-1123	112	22	scale	scale	NOUN
arjefm-1123	112	23	enterprise	enterprise	NOUN
arjefm-1123	112	24	in	in	ADP
arjefm-1123	112	25	nigeria	nigeria	PROPN
arjefm-1123	112	26	.	.	PUNCT
arjefm-1123	113	1	the	the	DET
arjefm-1123	113	2	study	study	NOUN
arjefm-1123	113	3	adopted	adopt	VERB
arjefm-1123	113	4	survey	survey	NOUN
arjefm-1123	113	5	research	research	NOUN
arjefm-1123	113	6	design	design	NOUN
arjefm-1123	113	7	and	and	CCONJ
arjefm-1123	113	8	a	a	DET
arjefm-1123	113	9	sample	sample	NOUN
arjefm-1123	113	10	of	of	ADP
arjefm-1123	113	11	325	325	NUM
arjefm-1123	113	12	questionnaire	questionnaire	NOUN
arjefm-1123	113	13	was	be	AUX
arjefm-1123	113	14	distributed	distribute	VERB
arjefm-1123	113	15	.	.	PUNCT
arjefm-1123	114	1	data	datum	NOUN
arjefm-1123	114	2	collected	collect	VERB
arjefm-1123	114	3	was	be	AUX
arjefm-1123	114	4	analyzed	analyze	VERB
arjefm-1123	114	5	using	use	VERB
arjefm-1123	114	6	both	both	CCONJ
arjefm-1123	114	7	inferential	inferential	ADJ
arjefm-1123	114	8	and	and	CCONJ
arjefm-1123	114	9	descriptive	descriptive	ADJ
arjefm-1123	114	10	statistics	statistic	NOUN
arjefm-1123	114	11	.	.	PUNCT
arjefm-1123	115	1	the	the	DET
arjefm-1123	115	2	findings	finding	NOUN
arjefm-1123	115	3	confirmed	confirm	VERB
arjefm-1123	115	4	a	a	DET
arjefm-1123	115	5	significant	significant	ADJ
arjefm-1123	115	6	contribution	contribution	NOUN
arjefm-1123	115	7	of	of	ADP
arjefm-1123	115	8	microcredit	microcredit	NOUN
arjefm-1123	115	9	to	to	ADP
arjefm-1123	115	10	smes	sme	NOUN
arjefm-1123	115	11	in	in	ADP
arjefm-1123	115	12	the	the	DET
arjefm-1123	115	13	area	area	NOUN
arjefm-1123	115	14	of	of	ADP
arjefm-1123	115	15	asset	asset	NOUN
arjefm-1123	115	16	acquisition	acquisition	NOUN
arjefm-1123	115	17	,	,	PUNCT
arjefm-1123	115	18	raw	raw	ADJ
arjefm-1123	115	19	material	material	NOUN
arjefm-1123	115	20	acquisition	acquisition	NOUN
arjefm-1123	115	21	and	and	CCONJ
arjefm-1123	115	22	provision	provision	NOUN
arjefm-1123	115	23	of	of	ADP
arjefm-1123	115	24	working	work	VERB
arjefm-1123	115	25	capital	capital	NOUN
arjefm-1123	115	26	.	.	PUNCT
arjefm-1123	116	1	the	the	DET
arjefm-1123	116	2	study	study	NOUN
arjefm-1123	116	3	recommended	recommend	VERB
arjefm-1123	116	4	that	that	SCONJ
arjefm-1123	116	5	central	central	ADJ
arjefm-1123	116	6	bank	bank	PROPN
arjefm-1123	116	7	of	of	ADP
arjefm-1123	116	8	nigeria	nigeria	PROPN
arjefm-1123	116	9	should	should	AUX
arjefm-1123	116	10	create	create	VERB
arjefm-1123	116	11	enabling	enable	VERB
arjefm-1123	116	12	environment	environment	NOUN
arjefm-1123	116	13	for	for	ADP
arjefm-1123	116	14	microfinance	microfinance	NOUN
arjefm-1123	116	15	banks	bank	NOUN
arjefm-1123	116	16	to	to	PART
arjefm-1123	116	17	perform	perform	VERB
arjefm-1123	116	18	its	its	PRON
arjefm-1123	116	19	primary	primary	ADJ
arjefm-1123	116	20	role	role	NOUN
arjefm-1123	116	21	of	of	ADP
arjefm-1123	116	22	providing	provide	VERB
arjefm-1123	116	23	microcredit	microcredit	NOUN
arjefm-1123	116	24	to	to	ADP
arjefm-1123	116	25	smes	sme	NOUN
arjefm-1123	116	26	in	in	ADP
arjefm-1123	116	27	nigeria	nigeria	PROPN
arjefm-1123	116	28	.	.	PUNCT
arjefm-1123	117	1	ajagba	ajagba	PROPN
arjefm-1123	117	2	and	and	CCONJ
arjefm-1123	117	3	bolaji	bolaji	NOUN
arjefm-1123	117	4	(	(	PUNCT
arjefm-1123	117	5	2013	2013	NUM
arjefm-1123	117	6	)	)	PUNCT
arjefm-1123	117	7	,	,	PUNCT
arjefm-1123	117	8	access	access	VERB
arjefm-1123	117	9	the	the	DET
arjefm-1123	117	10	impact	impact	NOUN
arjefm-1123	117	11	of	of	ADP
arjefm-1123	117	12	microfinance	microfinance	NOUN
arjefm-1123	117	13	bank	bank	NOUN
arjefm-1123	117	14	loans	loan	NOUN
arjefm-1123	117	15	on	on	ADP
arjefm-1123	117	16	the	the	DET
arjefm-1123	117	17	socioeconomic	socioeconomic	ADJ
arjefm-1123	117	18	standard	standard	NOUN
arjefm-1123	117	19	of	of	ADP
arjefm-1123	117	20	living	living	NOUN
arjefm-1123	117	21	of	of	ADP
arjefm-1123	117	22	commercial	commercial	ADJ
arjefm-1123	117	23	motorcycle	motorcycle	NOUN
arjefm-1123	117	24	riders	rider	NOUN
arjefm-1123	117	25	in	in	ADP
arjefm-1123	117	26	ilorin	ilorin	NOUN
arjefm-1123	117	27	-	-	PUNCT
arjefm-1123	117	28	west	west	NOUN
arjefm-1123	117	29	local	local	ADJ
arjefm-1123	117	30	government	government	NOUN
arjefm-1123	117	31	area	area	NOUN
arjefm-1123	117	32	of	of	ADP
arjefm-1123	117	33	kwara	kwara	PROPN
arjefm-1123	117	34	state	state	PROPN
arjefm-1123	117	35	,	,	PUNCT
arjefm-1123	117	36	nigeria	nigeria	PROPN
arjefm-1123	117	37	.	.	PUNCT
arjefm-1123	118	1	from	from	ADP
arjefm-1123	118	2	the	the	DET
arjefm-1123	118	3	results	result	NOUN
arjefm-1123	118	4	obtained	obtain	VERB
arjefm-1123	118	5	,	,	PUNCT
arjefm-1123	118	6	the	the	DET
arjefm-1123	118	7	study	study	NOUN
arjefm-1123	118	8	concludes	conclude	VERB
arjefm-1123	118	9	that	that	SCONJ
arjefm-1123	118	10	there	there	PRON
arjefm-1123	118	11	is	be	VERB
arjefm-1123	118	12	a	a	DET
arjefm-1123	118	13	significant	significant	ADJ
arjefm-1123	118	14	relationship	relationship	NOUN
arjefm-1123	118	15	between	between	ADP
arjefm-1123	118	16	the	the	DET
arjefm-1123	118	17	microfinance	microfinance	NOUN
arjefm-1123	118	18	bank	bank	NOUN
arjefm-1123	118	19	loans	loan	NOUN
arjefm-1123	118	20	and	and	CCONJ
arjefm-1123	118	21	economic	economic	ADJ
arjefm-1123	118	22	growth	growth	NOUN
arjefm-1123	118	23	by	by	ADP
arjefm-1123	118	24	improving	improve	VERB
arjefm-1123	118	25	the	the	DET
arjefm-1123	118	26	standard	standard	NOUN
arjefm-1123	118	27	of	of	ADP
arjefm-1123	118	28	living	living	NOUN
arjefm-1123	118	29	of	of	ADP
arjefm-1123	118	30	commercial	commercial	ADJ
arjefm-1123	118	31	motorcycle	motorcycle	NOUN
arjefm-1123	118	32	riders	rider	NOUN
arjefm-1123	118	33	in	in	ADP
arjefm-1123	118	34	ilorin	ilorin	PROPN
arjefm-1123	118	35	west	west	PROPN
arjefm-1123	118	36	local	local	ADJ
arjefm-1123	118	37	government	government	NOUN
arjefm-1123	118	38	area	area	NOUN
arjefm-1123	118	39	of	of	ADP
arjefm-1123	118	40	kwara	kwara	PROPN
arjefm-1123	118	41	state	state	PROPN
arjefm-1123	118	42	,	,	PUNCT
arjefm-1123	118	43	nigeria	nigeria	PROPN
arjefm-1123	119	1	.	.	PUNCT
arjefm-1123	119	2	oluyombo	oluyombo	PROPN
arjefm-1123	119	3	(	(	PUNCT
arjefm-1123	119	4	2010	2010	NUM
arjefm-1123	119	5	)	)	PUNCT
arjefm-1123	119	6	attempt	attempt	VERB
arjefm-1123	119	7	to	to	PART
arjefm-1123	119	8	investigate	investigate	VERB
arjefm-1123	119	9	the	the	DET
arjefm-1123	119	10	contributions	contribution	NOUN
arjefm-1123	119	11	of	of	ADP
arjefm-1123	119	12	microfinance	microfinance	NOUN
arjefm-1123	119	13	banks	bank	NOUN
arjefm-1123	119	14	credit	credit	NOUN
arjefm-1123	119	15	to	to	ADP
arjefm-1123	119	16	nigeria	nigeria	PROPN
arjefm-1123	119	17	’s	’s	PART
arjefm-1123	119	18	economic	economic	ADJ
arjefm-1123	119	19	growth	growth	NOUN
arjefm-1123	119	20	and	and	CCONJ
arjefm-1123	119	21	employs	employ	VERB
arjefm-1123	119	22	credits	credit	NOUN
arjefm-1123	119	23	disbursed	disburse	VERB
arjefm-1123	119	24	by	by	ADP
arjefm-1123	119	25	the	the	DET
arjefm-1123	119	26	microfinance	microfinance	NOUN
arjefm-1123	119	27	institutions	institution	NOUN
arjefm-1123	119	28	as	as	ADP
arjefm-1123	119	29	a	a	DET
arjefm-1123	119	30	proxy	proxy	NOUN
arjefm-1123	119	31	for	for	ADP
arjefm-1123	119	32	their	their	PRON
arjefm-1123	119	33	operational	operational	ADJ
arjefm-1123	119	34	activities	activity	NOUN
arjefm-1123	119	35	.	.	PUNCT
arjefm-1123	120	1	the	the	DET
arjefm-1123	120	2	study	study	NOUN
arjefm-1123	120	3	employs	employ	VERB
arjefm-1123	120	4	the	the	DET
arjefm-1123	120	5	ordinary	ordinary	ADJ
arjefm-1123	120	6	least	least	ADJ
arjefm-1123	120	7	squares	square	NOUN
arjefm-1123	120	8	(	(	PUNCT
arjefm-1123	120	9	ols	ol	NOUN
arjefm-1123	120	10	)	)	PUNCT
arjefm-1123	120	11	regression	regression	NOUN
arjefm-1123	120	12	technique	technique	NOUN
arjefm-1123	120	13	and	and	CCONJ
arjefm-1123	120	14	finds	find	VERB
arjefm-1123	120	15	a	a	DET
arjefm-1123	120	16	weak	weak	ADJ
arjefm-1123	120	17	,	,	PUNCT
arjefm-1123	120	18	though	though	SCONJ
arjefm-1123	120	19	positive	positive	ADJ
arjefm-1123	120	20	relationship	relationship	NOUN
arjefm-1123	120	21	between	between	ADP
arjefm-1123	120	22	nigeria	nigeria	PROPN
arjefm-1123	120	23	’s	’s	PART
arjefm-1123	120	24	microfinance	microfinance	NOUN
arjefm-1123	120	25	banking	banking	NOUN
arjefm-1123	120	26	operations	operation	NOUN
arjefm-1123	120	27	and	and	CCONJ
arjefm-1123	120	28	the	the	DET
arjefm-1123	120	29	nation	nation	NOUN
arjefm-1123	120	30	’s	’s	PART
arjefm-1123	120	31	economic	economic	ADJ
arjefm-1123	120	32	growth	growth	NOUN
arjefm-1123	120	33	.	.	PUNCT
arjefm-1123	121	1	consequently	consequently	ADV
arjefm-1123	121	2	,	,	PUNCT
arjefm-1123	121	3	it	it	PRON
arjefm-1123	121	4	recommends	recommend	VERB
arjefm-1123	121	5	that	that	SCONJ
arjefm-1123	121	6	microfinance	microfinance	NOUN
arjefm-1123	121	7	institutions	institution	NOUN
arjefm-1123	121	8	should	should	AUX
arjefm-1123	121	9	channel	channel	VERB
arjefm-1123	121	10	very	very	ADV
arjefm-1123	121	11	high	high	ADJ
arjefm-1123	121	12	proportion	proportion	NOUN
arjefm-1123	121	13	of	of	ADP
arjefm-1123	121	14	their	their	PRON
arjefm-1123	121	15	credits	credit	NOUN
arjefm-1123	121	16	to	to	ADP
arjefm-1123	121	17	the	the	DET
arjefm-1123	121	18	productive	productive	ADJ
arjefm-1123	121	19	and	and	CCONJ
arjefm-1123	121	20	real	real	ADJ
arjefm-1123	121	21	sectors	sector	NOUN
arjefm-1123	121	22	of	of	ADP
arjefm-1123	121	23	the	the	DET
arjefm-1123	121	24	economy	economy	NOUN
arjefm-1123	121	25	for	for	ADP
arjefm-1123	121	26	valuable	valuable	ADJ
arjefm-1123	121	27	impact	impact	NOUN
arjefm-1123	121	28	of	of	ADP
arjefm-1123	121	29	their	their	PRON
arjefm-1123	121	30	operations	operation	NOUN
arjefm-1123	121	31	on	on	ADP
arjefm-1123	121	32	nigeria	nigeria	PROPN
arjefm-1123	121	33	’s	’s	PART
arjefm-1123	121	34	economic	economic	ADJ
arjefm-1123	121	35	growth	growth	NOUN
arjefm-1123	121	36	.	.	PUNCT
arjefm-1123	122	1	babajide	babajide	ADJ
arjefm-1123	122	2	(	(	PUNCT
arjefm-1123	122	3	2012	2012	NUM
arjefm-1123	122	4	)	)	PUNCT
arjefm-1123	122	5	studied	study	VERB
arjefm-1123	122	6	the	the	DET
arjefm-1123	122	7	effects	effect	NOUN
arjefm-1123	122	8	of	of	ADP
arjefm-1123	122	9	micro	micro	ADJ
arjefm-1123	122	10	financing	financing	NOUN
arjefm-1123	122	11	on	on	ADP
arjefm-1123	122	12	micro	micro	ADJ
arjefm-1123	122	13	and	and	CCONJ
arjefm-1123	122	14	small	small	ADJ
arjefm-1123	122	15	enterprises	enterprise	NOUN
arjefm-1123	122	16	(	(	PUNCT
arjefm-1123	122	17	smes	sme	NOUN
arjefm-1123	122	18	)	)	PUNCT
arjefm-1123	122	19	in	in	ADP
arjefm-1123	122	20	south	south	PROPN
arjefm-1123	122	21	west	west	PROPN
arjefm-1123	122	22	nigeria	nigeria	PROPN
arjefm-1123	122	23	using	use	VERB
arjefm-1123	122	24	diagnostic	diagnostic	ADJ
arjefm-1123	122	25	test	test	NOUN
arjefm-1123	122	26	kaplan	kaplan	PROPN
arjefm-1123	122	27	-	-	PUNCT
arjefm-1123	122	28	meier	meier	PROPN
arjefm-1123	122	29	estimate	estimate	NOUN
arjefm-1123	122	30	,	,	PUNCT
arjefm-1123	122	31	hazard	hazard	NOUN
arjefm-1123	122	32	model	model	NOUN
arjefm-1123	122	33	and	and	CCONJ
arjefm-1123	122	34	multiple	multiple	ADJ
arjefm-1123	122	35	regression	regression	NOUN
arjefm-1123	122	36	analysis	analysis	NOUN
arjefm-1123	122	37	.	.	PUNCT
arjefm-1123	123	1	the	the	DET
arjefm-1123	123	2	study	study	NOUN
arjefm-1123	123	3	indicates	indicate	VERB
arjefm-1123	123	4	that	that	SCONJ
arjefm-1123	123	5	microfinance	microfinance	NOUN
arjefm-1123	123	6	enhances	enhance	VERB
arjefm-1123	123	7	survival	survival	NOUN
arjefm-1123	123	8	of	of	ADP
arjefm-1123	123	9	small	small	ADJ
arjefm-1123	123	10	business	business	NOUN
arjefm-1123	123	11	in	in	ADP
arjefm-1123	123	12	south	south	PROPN
arjefm-1123	123	13	west	west	PROPN
arjefm-1123	123	14	nigeria	nigeria	PROPN
arjefm-1123	123	15	;	;	PUNCT
arjefm-1123	123	16	that	that	DET
arjefm-1123	123	17	microfinance	microfinance	NOUN
arjefm-1123	123	18	does	do	AUX
arjefm-1123	123	19	not	not	PART
arjefm-1123	123	20	enhance	enhance	VERB
arjefm-1123	123	21	growth	growth	NOUN
arjefm-1123	123	22	and	and	CCONJ
arjefm-1123	123	23	expansion	expansion	NOUN
arjefm-1123	123	24	capacity	capacity	NOUN
arjefm-1123	123	25	of	of	ADP
arjefm-1123	123	26	mses	mses	PROPN
arjefm-1123	123	27	in	in	ADP
arjefm-1123	123	28	nigeria	nigeria	PROPN
arjefm-1123	123	29	;	;	PUNCT
arjefm-1123	123	30	that	that	DET
arjefm-1123	123	31	microfinance	microfinance	NOUN
arjefm-1123	123	32	impacts	impact	NOUN
arjefm-1123	123	33	significantly	significantly	ADV
arjefm-1123	123	34	on	on	ADP
arjefm-1123	123	35	the	the	DET
arjefm-1123	123	36	level	level	NOUN
arjefm-1123	123	37	of	of	ADP
arjefm-1123	123	38	productivity	productivity	NOUN
arjefm-1123	123	39	of	of	ADP
arjefm-1123	123	40	mses	mses	PROPN
arjefm-1123	123	41	operators	operator	NOUN
arjefm-1123	123	42	in	in	ADP
arjefm-1123	123	43	south	south	PROPN
arjefm-1123	123	44	west	west	PROPN
arjefm-1123	123	45	nigeria	nigeria	PROPN
arjefm-1123	123	46	and	and	CCONJ
arjefm-1123	123	47	that	that	SCONJ
arjefm-1123	123	48	the	the	DET
arjefm-1123	123	49	provision	provision	NOUN
arjefm-1123	123	50	of	of	ADP
arjefm-1123	123	51	non	non	ADJ
arjefm-1123	123	52	-	-	ADJ
arjefm-1123	123	53	financial	financial	ADJ
arjefm-1123	123	54	service	service	NOUN
arjefm-1123	123	55	by	by	ADP
arjefm-1123	123	56	microfinance	microfinance	NOUN
arjefm-1123	123	57	institutions	institution	NOUN
arjefm-1123	123	58	enhances	enhance	VERB
arjefm-1123	123	59	the	the	DET
arjefm-1123	123	60	performance	performance	NOUN
arjefm-1123	123	61	of	of	ADP
arjefm-1123	123	62	micro	micro	ADJ
arjefm-1123	123	63	and	and	CCONJ
arjefm-1123	123	64	small	small	ADJ
arjefm-1123	123	65	enterprises	enterprise	NOUN
arjefm-1123	123	66	(	(	PUNCT
arjefm-1123	123	67	mses	ms	NOUN
arjefm-1123	123	68	)	)	PUNCT
arjefm-1123	123	69	in	in	ADP
arjefm-1123	123	70	south	south	PROPN
arjefm-1123	123	71	west	west	PROPN
arjefm-1123	123	72	nigeria	nigeria	PROPN
arjefm-1123	123	73	.	.	PUNCT
arjefm-1123	124	1	okpara	okpara	NOUN
arjefm-1123	124	2	(	(	PUNCT
arjefm-1123	124	3	2010	2010	NUM
arjefm-1123	124	4	)	)	PUNCT
arjefm-1123	124	5	examines	examine	VERB
arjefm-1123	124	6	the	the	DET
arjefm-1123	124	7	critical	critical	ADJ
arjefm-1123	124	8	factors	factor	NOUN
arjefm-1123	124	9	that	that	PRON
arjefm-1123	124	10	induce	induce	VERB
arjefm-1123	124	11	poverty	poverty	NOUN
arjefm-1123	124	12	among	among	ADP
arjefm-1123	124	13	the	the	DET
arjefm-1123	124	14	enterprising	enterprise	VERB
arjefm-1123	124	15	poor	poor	NOUN
arjefm-1123	124	16	in	in	ADP
arjefm-1123	124	17	nigeria	nigeria	PROPN
arjefm-1123	124	18	and	and	CCONJ
arjefm-1123	124	19	the	the	DET
arjefm-1123	124	20	extent	extent	NOUN
arjefm-1123	124	21	to	to	PART
arjefm-1123	124	22	which	which	PRON
arjefm-1123	124	23	micro	micro	NOUN
arjefm-1123	124	24	credits	credit	NOUN
arjefm-1123	124	25	have	have	AUX
arjefm-1123	124	26	assisted	assist	VERB
arjefm-1123	124	27	in	in	ADP
arjefm-1123	124	28	alleviating	alleviate	VERB
arjefm-1123	124	29	poverty	poverty	NOUN
arjefm-1123	124	30	.	.	PUNCT
arjefm-1123	125	1	the	the	DET
arjefm-1123	125	2	study	study	NOUN
arjefm-1123	125	3	’s	’s	PART
arjefm-1123	125	4	selected	select	VERB
arjefm-1123	125	5	causative	causative	ADJ
arjefm-1123	125	6	mailto:contact@americaserial.com	mailto:contact@americaserial.com	NOUN
arjefm-1123	125	7	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	125	8	american	american	PROPN
arjefm-1123	125	9	research	research	PROPN
arjefm-1123	125	10	journal	journal	PROPN
arjefm-1123	125	11	of	of	ADP
arjefm-1123	125	12	economics	economic	NOUN
arjefm-1123	125	13	,	,	PUNCT
arjefm-1123	125	14	finance	finance	NOUN
arjefm-1123	125	15	and	and	CCONJ
arjefm-1123	125	16	management	management	NOUN
arjefm-1123	125	17	volume	volume	NOUN
arjefm-1123	125	18	12	12	NUM
arjefm-1123	125	19	issue	issue	NOUN
arjefm-1123	125	20	4	4	NUM
arjefm-1123	125	21	,	,	PUNCT
arjefm-1123	125	22	october	october	PROPN
arjefm-1123	125	23	-	-	PUNCT
arjefm-1123	125	24	december	december	PROPN
arjefm-1123	125	25	2024	2024	NUM
arjefm-1123	125	26	issn	issn	NOUN
arjefm-1123	125	27	:	:	PUNCT
arjefm-1123	125	28	2836	2836	NUM
arjefm-1123	125	29	-	-	SYM
arjefm-1123	125	30	9416	9416	NUM
arjefm-1123	125	31	impact	impact	NOUN
arjefm-1123	125	32	factor	factor	NOUN
arjefm-1123	125	33	:	:	PUNCT
arjefm-1123	125	34	5.57	5.57	NUM
arjefm-1123	125	35	journal	journal	NOUN
arjefm-1123	125	36	homepage	homepage	NOUN
arjefm-1123	125	37	:	:	PUNCT
arjefm-1123	125	38	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	125	39	,	,	PUNCT
arjefm-1123	125	40	email	email	NOUN
arjefm-1123	125	41	:	:	PUNCT
arjefm-1123	125	42	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	125	43	official	official	ADJ
arjefm-1123	125	44	journal	journal	PROPN
arjefm-1123	125	45	of	of	ADP
arjefm-1123	125	46	america	america	PROPN
arjefm-1123	125	47	serial	serial	PROPN
arjefm-1123	125	48	publication	publication	NOUN
arjefm-1123	125	49	american	american	PROPN
arjefm-1123	125	50	research	research	PROPN
arjefm-1123	125	51	journal	journal	PROPN
arjefm-1123	125	52	of	of	ADP
arjefm-1123	125	53	economics	economic	NOUN
arjefm-1123	125	54	,	,	PUNCT
arjefm-1123	125	55	finance	finance	NOUN
arjefm-1123	125	56	and	and	CCONJ
arjefm-1123	125	57	management	management	NOUN
arjefm-1123	125	58	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	125	59	,	,	PUNCT
arjefm-1123	125	60	email	email	NOUN
arjefm-1123	125	61	:	:	PUNCT
arjefm-1123	125	62	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	125	63	7	7	NUM
arjefm-1123	126	1	|	|	ADV
arjefm-1123	126	2	p	p	X
arjefm-1123	126	3	a	a	DET
arjefm-1123	126	4	g	g	NOUN
arjefm-1123	126	5	e	e	NOUN
arjefm-1123	126	6	factors	factor	NOUN
arjefm-1123	126	7	for	for	ADP
arjefm-1123	126	8	poverty	poverty	NOUN
arjefm-1123	126	9	include	include	VERB
arjefm-1123	126	10	low	low	ADJ
arjefm-1123	126	11	profit	profit	NOUN
arjefm-1123	126	12	,	,	PUNCT
arjefm-1123	126	13	high	high	ADJ
arjefm-1123	126	14	cost	cost	NOUN
arjefm-1123	126	15	of	of	ADP
arjefm-1123	126	16	start	start	NOUN
arjefm-1123	126	17	-	-	PUNCT
arjefm-1123	126	18	up	up	NOUN
arjefm-1123	126	19	or	or	CCONJ
arjefm-1123	126	20	expansion	expansion	NOUN
arjefm-1123	126	21	funds	fund	NOUN
arjefm-1123	126	22	for	for	ADP
arjefm-1123	126	23	business	business	NOUN
arjefm-1123	126	24	and	and	CCONJ
arjefm-1123	126	25	low	low	ADJ
arjefm-1123	126	26	rate	rate	NOUN
arjefm-1123	126	27	of	of	ADP
arjefm-1123	126	28	business	business	NOUN
arjefm-1123	126	29	growth	growth	NOUN
arjefm-1123	126	30	.	.	PUNCT
arjefm-1123	127	1	employing	employ	VERB
arjefm-1123	127	2	two	two	NUM
arjefm-1123	127	3	-	-	PUNCT
arjefm-1123	127	4	stage	stage	NOUN
arjefm-1123	127	5	regression	regression	NOUN
arjefm-1123	127	6	technique	technique	NOUN
arjefm-1123	127	7	within	within	ADP
arjefm-1123	127	8	a	a	DET
arjefm-1123	127	9	quadratic	quadratic	ADJ
arjefm-1123	127	10	equation	equation	NOUN
arjefm-1123	127	11	framework	framework	NOUN
arjefm-1123	127	12	,	,	PUNCT
arjefm-1123	127	13	the	the	DET
arjefm-1123	127	14	study	study	NOUN
arjefm-1123	127	15	finds	find	VERB
arjefm-1123	127	16	that	that	SCONJ
arjefm-1123	127	17	in	in	ADP
arjefm-1123	127	18	the	the	DET
arjefm-1123	127	19	first	first	ADJ
arjefm-1123	127	20	or	or	CCONJ
arjefm-1123	127	21	take	take	VERB
arjefm-1123	127	22	-	-	PUNCT
arjefm-1123	127	23	off	off	ADP
arjefm-1123	127	24	stage	stage	NOUN
arjefm-1123	127	25	of	of	ADP
arjefm-1123	127	26	microfinance	microfinance	NOUN
arjefm-1123	127	27	banking	banking	NOUN
arjefm-1123	127	28	,	,	PUNCT
arjefm-1123	127	29	poverty	poverty	NOUN
arjefm-1123	127	30	was	be	AUX
arjefm-1123	127	31	observed	observe	VERB
arjefm-1123	127	32	to	to	PART
arjefm-1123	127	33	have	have	AUX
arjefm-1123	127	34	increased	increase	VERB
arjefm-1123	127	35	,	,	PUNCT
arjefm-1123	127	36	though	though	SCONJ
arjefm-1123	127	37	at	at	ADP
arjefm-1123	127	38	a	a	DET
arjefm-1123	127	39	declining	decline	VERB
arjefm-1123	127	40	rate	rate	NOUN
arjefm-1123	127	41	with	with	ADP
arjefm-1123	127	42	increase	increase	NOUN
arjefm-1123	127	43	in	in	ADP
arjefm-1123	127	44	micro	micro	ADJ
arjefm-1123	127	45	credits	credit	NOUN
arjefm-1123	127	46	.	.	PUNCT
arjefm-1123	128	1	in	in	ADP
arjefm-1123	128	2	the	the	DET
arjefm-1123	128	3	second	second	ADJ
arjefm-1123	128	4	stage	stage	NOUN
arjefm-1123	128	5	of	of	ADP
arjefm-1123	128	6	the	the	DET
arjefm-1123	128	7	study	study	NOUN
arjefm-1123	128	8	which	which	PRON
arjefm-1123	128	9	started	start	VERB
arjefm-1123	128	10	from	from	ADP
arjefm-1123	128	11	the	the	DET
arjefm-1123	128	12	year	year	NOUN
arjefm-1123	128	13	2001	2001	NUM
arjefm-1123	128	14	,	,	PUNCT
arjefm-1123	128	15	persistent	persistent	ADJ
arjefm-1123	128	16	increases	increase	NOUN
arjefm-1123	128	17	in	in	ADP
arjefm-1123	128	18	disbursed	disburse	VERB
arjefm-1123	128	19	micro	micro	ADJ
arjefm-1123	128	20	credit	credit	NOUN
arjefm-1123	128	21	facilities	facility	NOUN
arjefm-1123	128	22	are	be	AUX
arjefm-1123	128	23	observed	observe	VERB
arjefm-1123	128	24	to	to	PART
arjefm-1123	128	25	have	have	AUX
arjefm-1123	128	26	significantly	significantly	ADV
arjefm-1123	128	27	lowered	lower	VERB
arjefm-1123	128	28	the	the	DET
arjefm-1123	128	29	poverty	poverty	NOUN
arjefm-1123	128	30	index	index	NOUN
arjefm-1123	128	31	in	in	ADP
arjefm-1123	128	32	nigeria	nigeria	PROPN
arjefm-1123	128	33	.	.	PUNCT
arjefm-1123	129	1	consequently	consequently	ADV
arjefm-1123	129	2	,	,	PUNCT
arjefm-1123	129	3	the	the	DET
arjefm-1123	129	4	study	study	NOUN
arjefm-1123	129	5	calls	call	VERB
arjefm-1123	129	6	for	for	ADP
arjefm-1123	129	7	policy	policy	NOUN
arjefm-1123	129	8	measures	measure	NOUN
arjefm-1123	129	9	to	to	PART
arjefm-1123	129	10	establish	establish	VERB
arjefm-1123	129	11	microfinance	microfinance	NOUN
arjefm-1123	129	12	institutions	institution	NOUN
arjefm-1123	129	13	in	in	ADP
arjefm-1123	129	14	every	every	DET
arjefm-1123	129	15	community	community	NOUN
arjefm-1123	129	16	in	in	ADP
arjefm-1123	129	17	nigeria	nigeria	PROPN
arjefm-1123	129	18	.	.	PUNCT
arjefm-1123	130	1	microfinance	microfinance	PROPN
arjefm-1123	130	2	bank	bank	PROPN
arjefm-1123	130	3	investment	investment	NOUN
arjefm-1123	130	4	and	and	CCONJ
arjefm-1123	130	5	economic	economic	ADJ
arjefm-1123	130	6	growth	growth	NOUN
arjefm-1123	130	7	olakojo	olakojo	NOUN
arjefm-1123	130	8	and	and	CCONJ
arjefm-1123	130	9	olanipekun	olanipekun	ADJ
arjefm-1123	130	10	(	(	PUNCT
arjefm-1123	130	11	2011	2011	NUM
arjefm-1123	130	12	)	)	PUNCT
arjefm-1123	130	13	empirically	empirically	ADV
arjefm-1123	130	14	examined	examine	VERB
arjefm-1123	130	15	the	the	DET
arjefm-1123	130	16	impact	impact	NOUN
arjefm-1123	130	17	of	of	ADP
arjefm-1123	130	18	microfinance	microfinance	NOUN
arjefm-1123	130	19	bank	bank	NOUN
arjefm-1123	130	20	investment	investment	NOUN
arjefm-1123	130	21	on	on	ADP
arjefm-1123	130	22	the	the	DET
arjefm-1123	130	23	nigerian	nigerian	ADJ
arjefm-1123	130	24	economy	economy	NOUN
arjefm-1123	130	25	.	.	PUNCT
arjefm-1123	131	1	they	they	PRON
arjefm-1123	131	2	employed	employ	VERB
arjefm-1123	131	3	pooled	pool	VERB
arjefm-1123	131	4	regression	regression	NOUN
arjefm-1123	131	5	and	and	CCONJ
arjefm-1123	131	6	ordinary	ordinary	ADJ
arjefm-1123	131	7	least	least	ADJ
arjefm-1123	131	8	square	square	ADJ
arjefm-1123	131	9	econometric	econometric	ADJ
arjefm-1123	131	10	technique	technique	NOUN
arjefm-1123	131	11	on	on	ADP
arjefm-1123	131	12	annual	annual	ADJ
arjefm-1123	131	13	time	time	NOUN
arjefm-1123	131	14	series	series	PROPN
arjefm-1123	131	15	data	data	PROPN
arjefm-1123	131	16	for	for	ADP
arjefm-1123	131	17	the	the	DET
arjefm-1123	131	18	period	period	NOUN
arjefm-1123	131	19	1992	1992	NUM
arjefm-1123	131	20	-	-	SYM
arjefm-1123	131	21	2008	2008	NUM
arjefm-1123	131	22	.	.	PUNCT
arjefm-1123	132	1	the	the	DET
arjefm-1123	132	2	empirical	empirical	ADJ
arjefm-1123	132	3	findings	finding	NOUN
arjefm-1123	132	4	show	show	VERB
arjefm-1123	132	5	that	that	SCONJ
arjefm-1123	132	6	the	the	DET
arjefm-1123	132	7	current	current	ADJ
arjefm-1123	132	8	level	level	NOUN
arjefm-1123	132	9	of	of	ADP
arjefm-1123	132	10	sectoral	sectoral	ADJ
arjefm-1123	132	11	output	output	NOUN
arjefm-1123	132	12	is	be	AUX
arjefm-1123	132	13	positively	positively	ADV
arjefm-1123	132	14	influenced	influence	VERB
arjefm-1123	132	15	by	by	ADP
arjefm-1123	132	16	loans	loan	NOUN
arjefm-1123	132	17	and	and	CCONJ
arjefm-1123	132	18	advances	advance	NOUN
arjefm-1123	132	19	from	from	ADP
arjefm-1123	132	20	the	the	DET
arjefm-1123	132	21	banking	banking	NOUN
arjefm-1123	132	22	sector	sector	NOUN
arjefm-1123	132	23	.	.	PUNCT
arjefm-1123	133	1	however	however	ADV
arjefm-1123	133	2	,	,	PUNCT
arjefm-1123	133	3	a	a	DET
arjefm-1123	133	4	sectorial	sectorial	ADJ
arjefm-1123	133	5	analysis	analysis	NOUN
arjefm-1123	133	6	using	use	VERB
arjefm-1123	133	7	ols	ol	NOUN
arjefm-1123	133	8	reveals	reveal	VERB
arjefm-1123	133	9	that	that	SCONJ
arjefm-1123	133	10	while	while	SCONJ
arjefm-1123	133	11	loans	loan	NOUN
arjefm-1123	133	12	and	and	CCONJ
arjefm-1123	133	13	advances	advance	NOUN
arjefm-1123	133	14	from	from	ADP
arjefm-1123	133	15	microfinance	microfinance	NOUN
arjefm-1123	133	16	banks	bank	NOUN
arjefm-1123	133	17	positively	positively	ADV
arjefm-1123	133	18	affect	affect	VERB
arjefm-1123	133	19	output	output	NOUN
arjefm-1123	133	20	of	of	ADP
arjefm-1123	133	21	manufacturing	manufacturing	NOUN
arjefm-1123	133	22	,	,	PUNCT
arjefm-1123	133	23	building	building	NOUN
arjefm-1123	133	24	and	and	CCONJ
arjefm-1123	133	25	construction	construction	NOUN
arjefm-1123	133	26	,	,	PUNCT
arjefm-1123	133	27	mining	mining	NOUN
arjefm-1123	133	28	and	and	CCONJ
arjefm-1123	133	29	quarrying	quarrying	ADJ
arjefm-1123	133	30	sector	sector	NOUN
arjefm-1123	133	31	,	,	PUNCT
arjefm-1123	133	32	the	the	DET
arjefm-1123	133	33	same	same	ADJ
arjefm-1123	133	34	could	could	AUX
arjefm-1123	133	35	not	not	PART
arjefm-1123	133	36	be	be	AUX
arjefm-1123	133	37	established	establish	VERB
arjefm-1123	133	38	for	for	ADP
arjefm-1123	133	39	the	the	DET
arjefm-1123	133	40	agricultural	agricultural	ADJ
arjefm-1123	133	41	sector	sector	NOUN
arjefm-1123	133	42	.	.	PUNCT
arjefm-1123	134	1	they	they	PRON
arjefm-1123	134	2	concluded	conclude	VERB
arjefm-1123	134	3	that	that	SCONJ
arjefm-1123	134	4	microfinance	microfinance	NOUN
arjefm-1123	134	5	banking	banking	NOUN
arjefm-1123	134	6	investment	investment	NOUN
arjefm-1123	134	7	is	be	AUX
arjefm-1123	134	8	very	very	ADV
arjefm-1123	134	9	critical	critical	ADJ
arjefm-1123	134	10	to	to	ADP
arjefm-1123	134	11	the	the	DET
arjefm-1123	134	12	well	well	ADV
arjefm-1123	134	13	-	-	PUNCT
arjefm-1123	134	14	being	being	NOUN
arjefm-1123	134	15	of	of	ADP
arjefm-1123	134	16	the	the	DET
arjefm-1123	134	17	economy	economy	NOUN
arjefm-1123	134	18	as	as	SCONJ
arjefm-1123	134	19	it	it	PRON
arjefm-1123	134	20	does	do	AUX
arjefm-1123	134	21	not	not	PART
arjefm-1123	134	22	only	only	ADV
arjefm-1123	134	23	provide	provide	VERB
arjefm-1123	134	24	financial	financial	ADJ
arjefm-1123	134	25	assistant	assistant	NOUN
arjefm-1123	134	26	to	to	ADP
arjefm-1123	134	27	small	small	ADJ
arjefm-1123	134	28	and	and	CCONJ
arjefm-1123	134	29	medium	medium	ADJ
arjefm-1123	134	30	scale	scale	NOUN
arjefm-1123	134	31	enterprises	enterprise	NOUN
arjefm-1123	134	32	but	but	CCONJ
arjefm-1123	134	33	also	also	ADV
arjefm-1123	134	34	to	to	ADP
arjefm-1123	134	35	the	the	DET
arjefm-1123	134	36	real	real	ADJ
arjefm-1123	134	37	sector	sector	NOUN
arjefm-1123	134	38	of	of	ADP
arjefm-1123	134	39	the	the	DET
arjefm-1123	134	40	economy	economy	NOUN
arjefm-1123	134	41	,	,	PUNCT
arjefm-1123	134	42	thereby	thereby	ADV
arjefm-1123	134	43	fast	fast	ADV
arjefm-1123	134	44	tracking	track	VERB
arjefm-1123	134	45	economic	economic	ADJ
arjefm-1123	134	46	growth	growth	NOUN
arjefm-1123	134	47	in	in	ADP
arjefm-1123	134	48	nigeria	nigeria	PROPN
arjefm-1123	134	49	.	.	PUNCT
arjefm-1123	135	1	taiwo	taiwo	NOUN
arjefm-1123	135	2	(	(	PUNCT
arjefm-1123	135	3	2015	2015	NUM
arjefm-1123	135	4	)	)	PUNCT
arjefm-1123	135	5	empirically	empirically	ADV
arjefm-1123	135	6	investigated	investigate	VERB
arjefm-1123	135	7	the	the	DET
arjefm-1123	135	8	role	role	NOUN
arjefm-1123	135	9	of	of	ADP
arjefm-1123	135	10	microfinance	microfinance	NOUN
arjefm-1123	135	11	bank	bank	NOUN
arjefm-1123	135	12	investment	investment	NOUN
arjefm-1123	135	13	to	to	ADP
arjefm-1123	135	14	financial	financial	ADJ
arjefm-1123	135	15	sector	sector	NOUN
arjefm-1123	135	16	development	development	NOUN
arjefm-1123	135	17	and	and	CCONJ
arjefm-1123	135	18	economic	economic	ADJ
arjefm-1123	135	19	growth	growth	NOUN
arjefm-1123	135	20	in	in	ADP
arjefm-1123	135	21	czech	czech	PROPN
arjefm-1123	135	22	republic	republic	NOUN
arjefm-1123	135	23	.	.	PUNCT
arjefm-1123	136	1	he	he	PRON
arjefm-1123	136	2	employed	employ	VERB
arjefm-1123	136	3	panel	panel	NOUN
arjefm-1123	136	4	data	datum	NOUN
arjefm-1123	136	5	approach	approach	NOUN
arjefm-1123	136	6	in	in	ADP
arjefm-1123	136	7	addition	addition	NOUN
arjefm-1123	136	8	to	to	ADP
arjefm-1123	136	9	granger	granger	PROPN
arjefm-1123	136	10	causality	causality	PROPN
arjefm-1123	136	11	test	test	NOUN
arjefm-1123	136	12	for	for	ADP
arjefm-1123	136	13	103	103	NUM
arjefm-1123	136	14	countries	country	NOUN
arjefm-1123	136	15	for	for	ADP
arjefm-1123	136	16	the	the	DET
arjefm-1123	136	17	period	period	NOUN
arjefm-1123	136	18	19952008	19952008	NUM
arjefm-1123	136	19	in	in	ADP
arjefm-1123	136	20	order	order	NOUN
arjefm-1123	136	21	to	to	PART
arjefm-1123	136	22	determine	determine	VERB
arjefm-1123	136	23	the	the	DET
arjefm-1123	136	24	causality	causality	NOUN
arjefm-1123	136	25	between	between	ADP
arjefm-1123	136	26	microfinance	microfinance	NOUN
arjefm-1123	136	27	banks	bank	NOUN
arjefm-1123	136	28	and	and	CCONJ
arjefm-1123	136	29	economic	economic	ADJ
arjefm-1123	136	30	growth	growth	NOUN
arjefm-1123	136	31	.	.	PUNCT
arjefm-1123	137	1	from	from	ADP
arjefm-1123	137	2	the	the	DET
arjefm-1123	137	3	review	review	NOUN
arjefm-1123	137	4	of	of	ADP
arjefm-1123	137	5	these	these	DET
arjefm-1123	137	6	prior	prior	ADJ
arjefm-1123	137	7	studies	study	NOUN
arjefm-1123	137	8	,	,	PUNCT
arjefm-1123	137	9	it	it	PRON
arjefm-1123	137	10	is	be	AUX
arjefm-1123	137	11	being	be	AUX
arjefm-1123	137	12	observed	observe	VERB
arjefm-1123	137	13	that	that	SCONJ
arjefm-1123	137	14	most	most	ADJ
arjefm-1123	137	15	of	of	ADP
arjefm-1123	137	16	the	the	DET
arjefm-1123	137	17	studies	study	NOUN
arjefm-1123	137	18	found	find	VERB
arjefm-1123	137	19	a	a	DET
arjefm-1123	137	20	positive	positive	ADJ
arjefm-1123	137	21	relationship	relationship	NOUN
arjefm-1123	137	22	between	between	ADP
arjefm-1123	137	23	microfinance	microfinance	NOUN
arjefm-1123	137	24	bank	bank	NOUN
arjefm-1123	137	25	investment	investment	NOUN
arjefm-1123	137	26	and	and	CCONJ
arjefm-1123	137	27	economic	economic	ADJ
arjefm-1123	137	28	growth	growth	NOUN
arjefm-1123	137	29	.	.	PUNCT
arjefm-1123	138	1	while	while	SCONJ
arjefm-1123	138	2	some	some	PRON
arjefm-1123	138	3	had	have	VERB
arjefm-1123	138	4	significant	significant	ADJ
arjefm-1123	138	5	impacts	impact	NOUN
arjefm-1123	138	6	,	,	PUNCT
arjefm-1123	138	7	others	other	NOUN
arjefm-1123	138	8	had	have	VERB
arjefm-1123	138	9	insignificant	insignificant	ADJ
arjefm-1123	138	10	impact	impact	NOUN
arjefm-1123	138	11	.	.	PUNCT
arjefm-1123	139	1	methodolgy	methodolgy	ADJ
arjefm-1123	139	2	research	research	NOUN
arjefm-1123	139	3	design	design	NOUN
arjefm-1123	139	4	this	this	DET
arjefm-1123	139	5	study	study	NOUN
arjefm-1123	139	6	employed	employ	VERB
arjefm-1123	139	7	a	a	DET
arjefm-1123	139	8	survey	survey	NOUN
arjefm-1123	139	9	research	research	NOUN
arjefm-1123	139	10	design	design	NOUN
arjefm-1123	139	11	.	.	PUNCT
arjefm-1123	140	1	the	the	DET
arjefm-1123	140	2	target	target	NOUN
arjefm-1123	140	3	population	population	NOUN
arjefm-1123	140	4	of	of	ADP
arjefm-1123	140	5	this	this	DET
arjefm-1123	140	6	study	study	NOUN
arjefm-1123	140	7	comprise	comprise	NOUN
arjefm-1123	140	8	of	of	ADP
arjefm-1123	140	9	owners	owner	NOUN
arjefm-1123	140	10	of	of	ADP
arjefm-1123	140	11	smes	sme	NOUN
arjefm-1123	140	12	and	and	CCONJ
arjefm-1123	140	13	senior	senior	ADJ
arjefm-1123	140	14	staff	staff	NOUN
arjefm-1123	140	15	of	of	ADP
arjefm-1123	140	16	microfinance	microfinance	NOUN
arjefm-1123	140	17	bank	bank	NOUN
arjefm-1123	140	18	operating	operate	VERB
arjefm-1123	140	19	in	in	ADP
arjefm-1123	140	20	edo	edo	PROPN
arjefm-1123	140	21	state	state	PROPN
arjefm-1123	140	22	,	,	PUNCT
arjefm-1123	140	23	nigeria	nigeria	PROPN
arjefm-1123	140	24	.	.	PUNCT
arjefm-1123	141	1	since	since	SCONJ
arjefm-1123	141	2	the	the	DET
arjefm-1123	141	3	population	population	NOUN
arjefm-1123	141	4	of	of	ADP
arjefm-1123	141	5	sme	sme	PROPN
arjefm-1123	141	6	owners	owner	NOUN
arjefm-1123	141	7	and	and	CCONJ
arjefm-1123	141	8	microfinance	microfinance	NOUN
arjefm-1123	141	9	bank	bank	NOUN
arjefm-1123	141	10	staff	staff	NOUN
arjefm-1123	141	11	can	can	AUX
arjefm-1123	141	12	not	not	PART
arjefm-1123	141	13	easily	easily	ADV
arjefm-1123	141	14	be	be	AUX
arjefm-1123	141	15	determined	determine	VERB
arjefm-1123	141	16	and	and	CCONJ
arjefm-1123	141	17	researcher	researcher	NOUN
arjefm-1123	141	18	’s	’s	PART
arjefm-1123	141	19	inability	inability	NOUN
arjefm-1123	141	20	to	to	PART
arjefm-1123	141	21	reach	reach	VERB
arjefm-1123	141	22	out	out	ADP
arjefm-1123	141	23	to	to	ADP
arjefm-1123	141	24	the	the	DET
arjefm-1123	141	25	entire	entire	ADJ
arjefm-1123	141	26	population	population	NOUN
arjefm-1123	141	27	,	,	PUNCT
arjefm-1123	141	28	and	and	CCONJ
arjefm-1123	141	29	in	in	ADP
arjefm-1123	141	30	order	order	NOUN
arjefm-1123	141	31	to	to	PART
arjefm-1123	141	32	gain	gain	VERB
arjefm-1123	141	33	the	the	DET
arjefm-1123	141	34	advantage	advantage	NOUN
arjefm-1123	141	35	of	of	ADP
arjefm-1123	141	36	an	an	DET
arjefm-1123	141	37	indepth	indepth	ADJ
arjefm-1123	141	38	study	study	NOUN
arjefm-1123	141	39	and	and	CCONJ
arjefm-1123	141	40	effective	effective	ADJ
arjefm-1123	141	41	coverage	coverage	NOUN
arjefm-1123	141	42	,	,	PUNCT
arjefm-1123	141	43	cochran	cochran	NOUN
arjefm-1123	141	44	formula	formula	NOUN
arjefm-1123	141	45	was	be	AUX
arjefm-1123	141	46	used	use	VERB
arjefm-1123	141	47	for	for	ADP
arjefm-1123	141	48	determining	determine	VERB
arjefm-1123	141	49	the	the	DET
arjefm-1123	141	50	sample	sample	NOUN
arjefm-1123	141	51	size	size	NOUN
arjefm-1123	141	52	in	in	ADP
arjefm-1123	141	53	an	an	DET
arjefm-1123	141	54	infinite	infinite	ADJ
arjefm-1123	141	55	population	population	NOUN
arjefm-1123	141	56	was	be	AUX
arjefm-1123	141	57	used	use	VERB
arjefm-1123	141	58	.	.	PUNCT
arjefm-1123	142	1	thus	thus	ADV
arjefm-1123	142	2	,	,	PUNCT
arjefm-1123	142	3	the	the	DET
arjefm-1123	142	4	sample	sample	NOUN
arjefm-1123	142	5	size	size	NOUN
arjefm-1123	142	6	is	be	AUX
arjefm-1123	142	7	determined	determine	VERB
arjefm-1123	142	8	using	use	VERB
arjefm-1123	142	9	the	the	DET
arjefm-1123	142	10	cochran	cochran	NOUN
arjefm-1123	142	11	formula	formula	NOUN
arjefm-1123	142	12	as	as	SCONJ
arjefm-1123	142	13	follows	follow	VERB
arjefm-1123	142	14	;	;	PUNCT
arjefm-1123	142	15	n	n	CCONJ
arjefm-1123	142	16	=	=	PROPN
arjefm-1123	142	17	z2pq	z2pq	PROPN
arjefm-1123	142	18	e2	e2	PROPN
arjefm-1123	142	19	n=	n=	ADJ
arjefm-1123	142	20	sample	sample	NOUN
arjefm-1123	142	21	size	size	NOUN
arjefm-1123	142	22	;	;	PUNCT
arjefm-1123	142	23	z=	z=	PUNCT
arjefm-1123	142	24	the	the	DET
arjefm-1123	142	25	value	value	NOUN
arjefm-1123	142	26	gotten	get	VERB
arjefm-1123	142	27	from	from	ADP
arjefm-1123	142	28	z	z	NOUN
arjefm-1123	142	29	-	-	PUNCT
arjefm-1123	142	30	table	table	NOUN
arjefm-1123	142	31	;	;	PUNCT
arjefm-1123	142	32	q=	q=	ADV
arjefm-1123	142	33	1	1	NUM
arjefm-1123	142	34	–	–	PUNCT
arjefm-1123	142	35	p	p	PRON
arjefm-1123	142	36	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	142	37	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	142	38	american	american	PROPN
arjefm-1123	142	39	research	research	PROPN
arjefm-1123	142	40	journal	journal	PROPN
arjefm-1123	142	41	of	of	ADP
arjefm-1123	142	42	economics	economic	NOUN
arjefm-1123	142	43	,	,	PUNCT
arjefm-1123	142	44	finance	finance	NOUN
arjefm-1123	142	45	and	and	CCONJ
arjefm-1123	142	46	management	management	NOUN
arjefm-1123	142	47	volume	volume	NOUN
arjefm-1123	142	48	12	12	NUM
arjefm-1123	142	49	issue	issue	NOUN
arjefm-1123	142	50	4	4	NUM
arjefm-1123	142	51	,	,	PUNCT
arjefm-1123	142	52	october	october	PROPN
arjefm-1123	142	53	-	-	PUNCT
arjefm-1123	142	54	december	december	PROPN
arjefm-1123	142	55	2024	2024	NUM
arjefm-1123	142	56	issn	issn	NOUN
arjefm-1123	142	57	:	:	PUNCT
arjefm-1123	142	58	2836	2836	NUM
arjefm-1123	142	59	-	-	SYM
arjefm-1123	142	60	9416	9416	NUM
arjefm-1123	142	61	impact	impact	NOUN
arjefm-1123	142	62	factor	factor	NOUN
arjefm-1123	142	63	:	:	PUNCT
arjefm-1123	142	64	5.57	5.57	NUM
arjefm-1123	142	65	journal	journal	NOUN
arjefm-1123	142	66	homepage	homepage	NOUN
arjefm-1123	142	67	:	:	PUNCT
arjefm-1123	142	68	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	142	69	,	,	PUNCT
arjefm-1123	142	70	email	email	NOUN
arjefm-1123	142	71	:	:	PUNCT
arjefm-1123	142	72	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	142	73	official	official	ADJ
arjefm-1123	142	74	journal	journal	PROPN
arjefm-1123	142	75	of	of	ADP
arjefm-1123	142	76	america	america	PROPN
arjefm-1123	142	77	serial	serial	PROPN
arjefm-1123	142	78	publication	publication	NOUN
arjefm-1123	142	79	american	american	PROPN
arjefm-1123	142	80	research	research	PROPN
arjefm-1123	142	81	journal	journal	PROPN
arjefm-1123	142	82	of	of	ADP
arjefm-1123	142	83	economics	economic	NOUN
arjefm-1123	142	84	,	,	PUNCT
arjefm-1123	142	85	finance	finance	NOUN
arjefm-1123	142	86	and	and	CCONJ
arjefm-1123	142	87	management	management	NOUN
arjefm-1123	142	88	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	142	89	,	,	PUNCT
arjefm-1123	142	90	email	email	NOUN
arjefm-1123	142	91	:	:	PUNCT
arjefm-1123	142	92	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	142	93	8	8	NUM
arjefm-1123	143	1	|	|	ADV
arjefm-1123	143	2	p	p	X
arjefm-1123	143	3	a	a	DET
arjefm-1123	143	4	g	g	NOUN
arjefm-1123	143	5	e	e	PROPN
arjefm-1123	143	6	p=	p=	PROPN
arjefm-1123	143	7	numerical	numerical	PROPN
arjefm-1123	143	8	probability	probability	NOUN
arjefm-1123	143	9	of	of	ADP
arjefm-1123	143	10	success70	success70	NOUN
arjefm-1123	143	11	%	%	NOUN
arjefm-1123	144	1	i.e	i.e	PRON
arjefm-1123	144	2	0.70	0.70	NUM
arjefm-1123	144	3	e=	e=	NOUN
arjefm-1123	144	4	the	the	DET
arjefm-1123	144	5	margin	margin	NOUN
arjefm-1123	144	6	error	error	NOUN
arjefm-1123	144	7	limit	limit	NOUN
arjefm-1123	144	8	stated	state	VERB
arjefm-1123	144	9	at	at	ADP
arjefm-1123	144	10	5	5	NUM
arjefm-1123	144	11	%	%	NOUN
arjefm-1123	144	12	assigning	assign	VERB
arjefm-1123	144	13	values	value	NOUN
arjefm-1123	144	14	to	to	ADP
arjefm-1123	144	15	these	these	DET
arjefm-1123	144	16	symbols	symbol	NOUN
arjefm-1123	144	17	,	,	PUNCT
arjefm-1123	144	18	the	the	DET
arjefm-1123	144	19	sample	sample	NOUN
arjefm-1123	144	20	size	size	NOUN
arjefm-1123	144	21	calculated	calculate	VERB
arjefm-1123	144	22	thus	thus	ADV
arjefm-1123	144	23	:	:	PUNCT
arjefm-1123	144	24	n=	n=	ADJ
arjefm-1123	144	25	1.962	1.962	NUM
arjefm-1123	144	26	x	x	SYM
arjefm-1123	144	27	0.7	0.7	NUM
arjefm-1123	144	28	x	x	SYM
arjefm-1123	144	29	(	(	PUNCT
arjefm-1123	144	30	1	1	NUM
arjefm-1123	144	31	-	-	SYM
arjefm-1123	144	32	0.7	0.7	NUM
arjefm-1123	144	33	(	(	PUNCT
arjefm-1123	144	34	0.05)2	0.05)2	NUM
arjefm-1123	144	35	n=	n=	ADJ
arjefm-1123	144	36	3.8416	3.8416	NUM
arjefm-1123	144	37	x	x	SYM
arjefm-1123	144	38	0.7	0.7	NUM
arjefm-1123	144	39	x	x	SYM
arjefm-1123	144	40	0.3	0.3	NUM
arjefm-1123	144	41	0.0025	0.0025	NUM
arjefm-1123	144	42	n=	n=	ADJ
arjefm-1123	144	43	0.806736	0.806736	PROPN
arjefm-1123	144	44	0.0025	0.0025	NUM
arjefm-1123	144	45	n=	n=	ADJ
arjefm-1123	144	46	322.6944	322.6944	NUM
arjefm-1123	144	47	≈	≈	PROPN
arjefm-1123	144	48	323	323	NUM
arjefm-1123	144	49	table	table	NOUN
arjefm-1123	144	50	3.1	3.1	NUM
arjefm-1123	144	51	:	:	PUNCT
arjefm-1123	144	52	number	number	NOUN
arjefm-1123	144	53	of	of	ADP
arjefm-1123	144	54	questionnaires	questionnaire	NOUN
arjefm-1123	144	55	distributed	distribute	VERB
arjefm-1123	144	56	to	to	ADP
arjefm-1123	144	57	local	local	ADJ
arjefm-1123	144	58	governments	government	NOUN
arjefm-1123	144	59	in	in	ADP
arjefm-1123	144	60	edo	edo	PROPN
arjefm-1123	144	61	state	state	NOUN
arjefm-1123	144	62	local	local	ADJ
arjefm-1123	144	63	government	government	NOUN
arjefm-1123	144	64	area	area	NOUN
arjefm-1123	144	65	numbers	number	NOUN
arjefm-1123	144	66	distributed	distribute	VERB
arjefm-1123	144	67	akoko	akoko	NOUN
arjefm-1123	144	68	edo	edo	PROPN
arjefm-1123	144	69	16	16	NUM
arjefm-1123	144	70	egor	egor	NOUN
arjefm-1123	144	71	22	22	NUM
arjefm-1123	144	72	esan	esan	PROPN
arjefm-1123	144	73	central	central	PROPN
arjefm-1123	144	74	15	15	NUM
arjefm-1123	144	75	esan	esan	PROPN
arjefm-1123	144	76	north	north	PROPN
arjefm-1123	144	77	-	-	PUNCT
arjefm-1123	144	78	east	east	NOUN
arjefm-1123	144	79	15	15	NUM
arjefm-1123	144	80	esan	esan	PROPN
arjefm-1123	144	81	south	south	PROPN
arjefm-1123	144	82	-	-	PUNCT
arjefm-1123	144	83	east	east	PROPN
arjefm-1123	144	84	12	12	NUM
arjefm-1123	144	85	esan	esan	PROPN
arjefm-1123	144	86	west	west	PROPN
arjefm-1123	144	87	15	15	NUM
arjefm-1123	144	88	etsako	etsako	ADV
arjefm-1123	144	89	central	central	ADJ
arjefm-1123	144	90	16	16	NUM
arjefm-1123	144	91	etsako	etsako	NOUN
arjefm-1123	144	92	east	east	ADJ
arjefm-1123	144	93	12	12	NUM
arjefm-1123	144	94	etsako	etsako	ADV
arjefm-1123	144	95	west	west	ADJ
arjefm-1123	144	96	13	13	NUM
arjefm-1123	144	97	igueben	igueben	PROPN
arjefm-1123	144	98	17	17	NUM
arjefm-1123	144	99	ikpoba	ikpoba	NOUN
arjefm-1123	144	100	okha	okha	ADJ
arjefm-1123	144	101	30	30	NUM
arjefm-1123	144	102	irrua	irrua	NOUN
arjefm-1123	144	103	16	16	NUM
arjefm-1123	144	104	oredo	oredo	NOUN
arjefm-1123	144	105	35	35	NUM
arjefm-1123	144	106	orhionmwon	orhionmwon	VERB
arjefm-1123	144	107	21	21	NUM
arjefm-1123	144	108	ovia	ovia	NOUN
arjefm-1123	144	109	north	north	PROPN
arjefm-1123	144	110	east	east	NOUN
arjefm-1123	144	111	23	23	NUM
arjefm-1123	144	112	ovia	ovia	PROPN
arjefm-1123	144	113	south	south	PROPN
arjefm-1123	144	114	west	west	PROPN
arjefm-1123	144	115	12	12	NUM
arjefm-1123	144	116	owan	owan	NOUN
arjefm-1123	144	117	west	west	NOUN
arjefm-1123	144	118	13	13	NUM
arjefm-1123	144	119	uhunmwonde	uhunmwonde	ADJ
arjefm-1123	144	120	20	20	NUM
arjefm-1123	144	121	total	total	ADJ
arjefm-1123	144	122	323	323	NUM
arjefm-1123	144	123	source	source	NOUN
arjefm-1123	144	124	:	:	PUNCT
arjefm-1123	144	125	researcher	researcher	NOUN
arjefm-1123	144	126	’s	’s	PART
arjefm-1123	144	127	compilation	compilation	NOUN
arjefm-1123	144	128	(	(	PUNCT
arjefm-1123	144	129	2024	2024	NUM
arjefm-1123	144	130	)	)	PUNCT
arjefm-1123	144	131	questionnaire	questionnaire	NOUN
arjefm-1123	144	132	was	be	AUX
arjefm-1123	144	133	designed	design	VERB
arjefm-1123	144	134	to	to	PART
arjefm-1123	144	135	collect	collect	VERB
arjefm-1123	144	136	data	datum	NOUN
arjefm-1123	144	137	from	from	ADP
arjefm-1123	144	138	the	the	DET
arjefm-1123	144	139	respodents	respodent	NOUN
arjefm-1123	144	140	.	.	PUNCT
arjefm-1123	145	1	the	the	DET
arjefm-1123	145	2	questionnaire	questionnaire	NOUN
arjefm-1123	145	3	was	be	AUX
arjefm-1123	145	4	divided	divide	VERB
arjefm-1123	145	5	into	into	ADP
arjefm-1123	145	6	two	two	NUM
arjefm-1123	145	7	sections	section	NOUN
arjefm-1123	145	8	,	,	PUNCT
arjefm-1123	145	9	the	the	DET
arjefm-1123	145	10	first	first	ADJ
arjefm-1123	145	11	is	be	AUX
arjefm-1123	145	12	to	to	PART
arjefm-1123	145	13	elicit	elicit	VERB
arjefm-1123	145	14	the	the	DET
arjefm-1123	145	15	respondent	respondent	NOUN
arjefm-1123	145	16	’s	’s	PART
arjefm-1123	145	17	demographic	demographic	ADJ
arjefm-1123	145	18	data	datum	NOUN
arjefm-1123	145	19	,	,	PUNCT
arjefm-1123	145	20	while	while	SCONJ
arjefm-1123	145	21	the	the	DET
arjefm-1123	145	22	second	second	NOUN
arjefm-1123	145	23	is	be	AUX
arjefm-1123	145	24	to	to	PART
arjefm-1123	145	25	elicit	elicit	VERB
arjefm-1123	145	26	their	their	PRON
arjefm-1123	145	27	responses	response	NOUN
arjefm-1123	145	28	to	to	ADP
arjefm-1123	145	29	the	the	DET
arjefm-1123	145	30	research	research	NOUN
arjefm-1123	145	31	questions	question	NOUN
arjefm-1123	145	32	.	.	PUNCT
arjefm-1123	146	1	the	the	DET
arjefm-1123	146	2	questionnaire	questionnaire	NOUN
arjefm-1123	146	3	was	be	AUX
arjefm-1123	146	4	made	make	VERB
arjefm-1123	146	5	up	up	ADP
arjefm-1123	146	6	of	of	ADP
arjefm-1123	146	7	close	close	ADJ
arjefm-1123	146	8	ended	ended	ADJ
arjefm-1123	146	9	questions	question	NOUN
arjefm-1123	146	10	,	,	PUNCT
arjefm-1123	146	11	the	the	DET
arjefm-1123	146	12	respondents	respondent	NOUN
arjefm-1123	146	13	are	be	AUX
arjefm-1123	146	14	required	require	VERB
arjefm-1123	146	15	to	to	PART
arjefm-1123	146	16	rate	rate	VERB
arjefm-1123	146	17	their	their	PRON
arjefm-1123	146	18	responses	response	NOUN
arjefm-1123	146	19	on	on	ADP
arjefm-1123	146	20	a	a	DET
arjefm-1123	146	21	5	5	NUM
arjefm-1123	146	22	-	-	PUNCT
arjefm-1123	146	23	point	point	NOUN
arjefm-1123	146	24	linkert	linkert	NOUN
arjefm-1123	146	25	scale	scale	NOUN
arjefm-1123	146	26	consisting	consist	VERB
arjefm-1123	146	27	of	of	ADP
arjefm-1123	146	28	strongly	strongly	ADV
arjefm-1123	146	29	agree	agree	VERB
arjefm-1123	146	30	(	(	PUNCT
arjefm-1123	146	31	sa	sa	PROPN
arjefm-1123	146	32	)	)	PUNCT
arjefm-1123	146	33	,	,	PUNCT
arjefm-1123	146	34	agree	agree	VERB
arjefm-1123	146	35	(	(	PUNCT
arjefm-1123	146	36	a	a	X
arjefm-1123	146	37	)	)	PUNCT
arjefm-1123	146	38	,	,	PUNCT
arjefm-1123	146	39	neutral	neutral	ADJ
arjefm-1123	146	40	(	(	PUNCT
arjefm-1123	146	41	n	n	CCONJ
arjefm-1123	146	42	)	)	PUNCT
arjefm-1123	146	43	,	,	PUNCT
arjefm-1123	146	44	disagree	disagree	VERB
arjefm-1123	146	45	(	(	PUNCT
arjefm-1123	146	46	d	d	NOUN
arjefm-1123	146	47	)	)	PUNCT
arjefm-1123	146	48	,	,	PUNCT
arjefm-1123	146	49	and	and	CCONJ
arjefm-1123	146	50	strongly	strongly	ADV
arjefm-1123	146	51	disagree	disagree	VERB
arjefm-1123	146	52	(	(	PUNCT
arjefm-1123	146	53	sd	sd	NOUN
arjefm-1123	146	54	)	)	PUNCT
arjefm-1123	146	55	.	.	PUNCT
arjefm-1123	147	1	323	323	NUM
arjefm-1123	147	2	questions	question	NOUN
arjefm-1123	147	3	were	be	AUX
arjefm-1123	147	4	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	147	5	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	147	6	american	american	PROPN
arjefm-1123	147	7	research	research	PROPN
arjefm-1123	147	8	journal	journal	PROPN
arjefm-1123	147	9	of	of	ADP
arjefm-1123	147	10	economics	economic	NOUN
arjefm-1123	147	11	,	,	PUNCT
arjefm-1123	147	12	finance	finance	NOUN
arjefm-1123	147	13	and	and	CCONJ
arjefm-1123	147	14	management	management	NOUN
arjefm-1123	147	15	volume	volume	NOUN
arjefm-1123	147	16	12	12	NUM
arjefm-1123	147	17	issue	issue	NOUN
arjefm-1123	147	18	4	4	NUM
arjefm-1123	147	19	,	,	PUNCT
arjefm-1123	147	20	october	october	PROPN
arjefm-1123	147	21	-	-	PUNCT
arjefm-1123	147	22	december	december	PROPN
arjefm-1123	147	23	2024	2024	NUM
arjefm-1123	147	24	issn	issn	NOUN
arjefm-1123	147	25	:	:	PUNCT
arjefm-1123	147	26	2836	2836	NUM
arjefm-1123	147	27	-	-	SYM
arjefm-1123	147	28	9416	9416	NUM
arjefm-1123	147	29	impact	impact	NOUN
arjefm-1123	147	30	factor	factor	NOUN
arjefm-1123	147	31	:	:	PUNCT
arjefm-1123	147	32	5.57	5.57	NUM
arjefm-1123	147	33	journal	journal	NOUN
arjefm-1123	147	34	homepage	homepage	NOUN
arjefm-1123	147	35	:	:	PUNCT
arjefm-1123	147	36	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	147	37	,	,	PUNCT
arjefm-1123	147	38	email	email	NOUN
arjefm-1123	147	39	:	:	PUNCT
arjefm-1123	147	40	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	147	41	official	official	ADJ
arjefm-1123	147	42	journal	journal	PROPN
arjefm-1123	147	43	of	of	ADP
arjefm-1123	147	44	america	america	PROPN
arjefm-1123	147	45	serial	serial	PROPN
arjefm-1123	147	46	publication	publication	NOUN
arjefm-1123	147	47	american	american	PROPN
arjefm-1123	147	48	research	research	PROPN
arjefm-1123	147	49	journal	journal	PROPN
arjefm-1123	147	50	of	of	ADP
arjefm-1123	147	51	economics	economic	NOUN
arjefm-1123	147	52	,	,	PUNCT
arjefm-1123	147	53	finance	finance	NOUN
arjefm-1123	147	54	and	and	CCONJ
arjefm-1123	147	55	management	management	NOUN
arjefm-1123	147	56	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	147	57	,	,	PUNCT
arjefm-1123	147	58	email	email	NOUN
arjefm-1123	147	59	:	:	PUNCT
arjefm-1123	148	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	148	2	9	9	NUM
arjefm-1123	149	1	|	|	ADV
arjefm-1123	149	2	p	p	X
arjefm-1123	149	3	a	a	DET
arjefm-1123	149	4	g	g	NOUN
arjefm-1123	149	5	e	e	NOUN
arjefm-1123	149	6	administered	administer	VERB
arjefm-1123	149	7	out	out	ADP
arjefm-1123	149	8	of	of	ADP
arjefm-1123	149	9	which	which	PRON
arjefm-1123	149	10	300	300	NUM
arjefm-1123	149	11	returned	return	VERB
arjefm-1123	149	12	completed	complete	VERB
arjefm-1123	149	13	questions	question	NOUN
arjefm-1123	149	14	.	.	PUNCT
arjefm-1123	150	1	the	the	DET
arjefm-1123	150	2	data	datum	NOUN
arjefm-1123	150	3	were	be	AUX
arjefm-1123	150	4	analysed	analyse	VERB
arjefm-1123	150	5	using	use	VERB
arjefm-1123	150	6	tables	table	NOUN
arjefm-1123	150	7	and	and	CCONJ
arjefm-1123	150	8	simple	simple	ADJ
arjefm-1123	150	9	percentages	percentage	NOUN
arjefm-1123	150	10	while	while	SCONJ
arjefm-1123	150	11	chi	chi	NOUN
arjefm-1123	150	12	-	-	PUNCT
arjefm-1123	150	13	square	square	PROPN
arjefm-1123	150	14	was	be	AUX
arjefm-1123	150	15	used	use	VERB
arjefm-1123	150	16	to	to	PART
arjefm-1123	150	17	test	test	VERB
arjefm-1123	150	18	the	the	DET
arjefm-1123	150	19	hypothesis	hypothesis	NOUN
arjefm-1123	150	20	.	.	PUNCT
arjefm-1123	151	1	data	datum	NOUN
arjefm-1123	151	2	analysis	analysis	NOUN
arjefm-1123	151	3	the	the	DET
arjefm-1123	151	4	data	datum	NOUN
arjefm-1123	151	5	is	be	AUX
arjefm-1123	151	6	analyzed	analyze	VERB
arjefm-1123	151	7	using	use	VERB
arjefm-1123	151	8	tables	table	NOUN
arjefm-1123	151	9	,	,	PUNCT
arjefm-1123	151	10	simple	simple	ADJ
arjefm-1123	151	11	percentages	percentage	NOUN
arjefm-1123	151	12	,	,	PUNCT
arjefm-1123	151	13	mean	mean	ADJ
arjefm-1123	151	14	and	and	CCONJ
arjefm-1123	151	15	frequency	frequency	NOUN
arjefm-1123	151	16	distribution	distribution	NOUN
arjefm-1123	151	17	while	while	SCONJ
arjefm-1123	151	18	the	the	DET
arjefm-1123	151	19	hypothesis	hypothesis	NOUN
arjefm-1123	151	20	was	be	AUX
arjefm-1123	151	21	tested	test	VERB
arjefm-1123	151	22	using	use	VERB
arjefm-1123	151	23	least	least	ADJ
arjefm-1123	151	24	square	square	ADJ
arjefm-1123	151	25	regression	regression	NOUN
arjefm-1123	151	26	.	.	PUNCT
arjefm-1123	152	1	effect	effect	NOUN
arjefm-1123	152	2	of	of	ADP
arjefm-1123	152	3	microcredits	microcredit	NOUN
arjefm-1123	152	4	on	on	ADP
arjefm-1123	152	5	sme	sme	ADJ
arjefm-1123	152	6	growth	growth	NOUN
arjefm-1123	152	7	table	table	NOUN
arjefm-1123	152	8	1	1	NUM
arjefm-1123	152	9	:	:	PUNCT
arjefm-1123	152	10	effects	effect	NOUN
arjefm-1123	152	11	of	of	ADP
arjefm-1123	152	12	microcredits	microcredit	NOUN
arjefm-1123	152	13	on	on	ADP
arjefm-1123	152	14	sme	sme	PROPN
arjefm-1123	152	15	’s	’s	PART
arjefm-1123	152	16	growth	growth	NOUN
arjefm-1123	152	17	s	s	PROPN
arjefm-1123	152	18	/	/	SYM
arjefm-1123	152	19	n	n	NOUN
arjefm-1123	152	20	items	item	NOUN
arjefm-1123	152	21	sa	sa	VERB
arjefm-1123	152	22	a	a	DET
arjefm-1123	152	23	n	n	NOUN
arjefm-1123	152	24	d	d	PROPN
arjefm-1123	152	25	sd	sd	ADP
arjefm-1123	152	26	1	1	NUM
arjefm-1123	152	27	.	.	PUNCT
arjefm-1123	152	28	micro	micro	PROPN
arjefm-1123	152	29	finance	finance	NOUN
arjefm-1123	152	30	banks	bank	NOUN
arjefm-1123	152	31	extend	extend	VERB
arjefm-1123	152	32	credit	credit	NOUN
arjefm-1123	152	33	facilities	facility	NOUN
arjefm-1123	152	34	to	to	ADP
arjefm-1123	152	35	smes	sme	NOUN
arjefm-1123	152	36	to	to	PART
arjefm-1123	152	37	acquire	acquire	VERB
arjefm-1123	152	38	assets	asset	NOUN
arjefm-1123	152	39	114	114	NUM
arjefm-1123	152	40	(	(	PUNCT
arjefm-1123	152	41	42	42	NUM
arjefm-1123	152	42	%	%	NOUN
arjefm-1123	152	43	)	)	PUNCT
arjefm-1123	152	44	23	23	NUM
arjefm-1123	152	45	(	(	PUNCT
arjefm-1123	152	46	7	7	NUM
arjefm-1123	152	47	%	%	NOUN
arjefm-1123	152	48	)	)	PUNCT
arjefm-1123	152	49	24	24	NUM
arjefm-1123	152	50	(	(	PUNCT
arjefm-1123	152	51	8	8	NUM
arjefm-1123	152	52	%	%	NOUN
arjefm-1123	152	53	)	)	PUNCT
arjefm-1123	152	54	63	63	NUM
arjefm-1123	152	55	(	(	PUNCT
arjefm-1123	152	56	21	21	NUM
arjefm-1123	152	57	%	%	NOUN
arjefm-1123	152	58	)	)	PUNCT
arjefm-1123	152	59	66	66	NUM
arjefm-1123	152	60	(	(	PUNCT
arjefm-1123	152	61	22	22	NUM
arjefm-1123	152	62	%	%	NOUN
arjefm-1123	152	63	)	)	PUNCT
arjefm-1123	153	1	2	2	NUM
arjefm-1123	153	2	.	.	NUM
arjefm-1123	153	3	microcredits	microcredit	NOUN
arjefm-1123	153	4	extended	extend	VERB
arjefm-1123	153	5	by	by	ADP
arjefm-1123	153	6	microfinance	microfinance	NOUN
arjefm-1123	153	7	banks	bank	NOUN
arjefm-1123	153	8	to	to	ADP
arjefm-1123	153	9	smes	smes	PROPN
arjefm-1123	153	10	have	have	AUX
arjefm-1123	153	11	assisted	assist	VERB
arjefm-1123	153	12	them	they	PRON
arjefm-1123	153	13	in	in	ADP
arjefm-1123	153	14	financing	finance	VERB
arjefm-1123	153	15	their	their	PRON
arjefm-1123	153	16	business	business	NOUN
arjefm-1123	153	17	activities	activity	NOUN
arjefm-1123	153	18	147	147	NUM
arjefm-1123	153	19	(	(	PUNCT
arjefm-1123	153	20	49	49	NUM
arjefm-1123	153	21	%	%	NOUN
arjefm-1123	153	22	)	)	PUNCT
arjefm-1123	153	23	39	39	NUM
arjefm-1123	153	24	(	(	PUNCT
arjefm-1123	153	25	13	13	NUM
arjefm-1123	153	26	%	%	NOUN
arjefm-1123	153	27	)	)	PUNCT
arjefm-1123	153	28	30	30	NUM
arjefm-1123	153	29	(	(	PUNCT
arjefm-1123	153	30	10	10	NUM
arjefm-1123	153	31	%	%	NOUN
arjefm-1123	153	32	)	)	PUNCT
arjefm-1123	153	33	36	36	NUM
arjefm-1123	153	34	(	(	PUNCT
arjefm-1123	153	35	12	12	NUM
arjefm-1123	153	36	%	%	NOUN
arjefm-1123	153	37	)	)	PUNCT
arjefm-1123	153	38	48	48	NUM
arjefm-1123	153	39	(	(	PUNCT
arjefm-1123	153	40	16	16	NUM
arjefm-1123	153	41	%	%	NOUN
arjefm-1123	153	42	)	)	PUNCT
arjefm-1123	154	1	3	3	X
arjefm-1123	154	2	.	.	X
arjefm-1123	155	1	smes	smes	PROPN
arjefm-1123	155	2	has	have	AUX
arjefm-1123	155	3	improved	improve	VERB
arjefm-1123	155	4	their	their	PRON
arjefm-1123	155	5	working	work	VERB
arjefm-1123	155	6	capital	capital	NOUN
arjefm-1123	155	7	through	through	ADP
arjefm-1123	155	8	credits	credit	NOUN
arjefm-1123	155	9	from	from	ADP
arjefm-1123	155	10	microfinance	microfinance	NOUN
arjefm-1123	155	11	banks	bank	NOUN
arjefm-1123	155	12	186	186	NUM
arjefm-1123	155	13	(	(	PUNCT
arjefm-1123	155	14	62	62	NUM
arjefm-1123	155	15	%	%	NOUN
arjefm-1123	155	16	)	)	PUNCT
arjefm-1123	155	17	27	27	NUM
arjefm-1123	155	18	(	(	PUNCT
arjefm-1123	155	19	9	9	NUM
arjefm-1123	155	20	%	%	NOUN
arjefm-1123	155	21	)	)	PUNCT
arjefm-1123	155	22	9	9	NUM
arjefm-1123	155	23	(	(	PUNCT
arjefm-1123	155	24	3	3	NUM
arjefm-1123	155	25	%	%	NOUN
arjefm-1123	155	26	)	)	PUNCT
arjefm-1123	155	27	36	36	NUM
arjefm-1123	155	28	(	(	PUNCT
arjefm-1123	155	29	12	12	NUM
arjefm-1123	155	30	%	%	NOUN
arjefm-1123	155	31	)	)	PUNCT
arjefm-1123	155	32	39	39	NUM
arjefm-1123	155	33	(	(	PUNCT
arjefm-1123	155	34	13	13	NUM
arjefm-1123	155	35	%	%	NOUN
arjefm-1123	155	36	)	)	PUNCT
arjefm-1123	155	37	4	4	NUM
arjefm-1123	155	38	.	.	X
arjefm-1123	155	39	profitability	profitability	NOUN
arjefm-1123	155	40	of	of	ADP
arjefm-1123	155	41	sme	sme	PROPN
arjefm-1123	155	42	business	business	PROPN
arjefm-1123	155	43	has	have	AUX
arjefm-1123	155	44	improved	improve	VERB
arjefm-1123	155	45	through	through	ADP
arjefm-1123	155	46	financing	financing	NOUN
arjefm-1123	155	47	from	from	ADP
arjefm-1123	155	48	microcredits	microcredit	NOUN
arjefm-1123	155	49	from	from	ADP
arjefm-1123	155	50	microfinance	microfinance	NOUN
arjefm-1123	155	51	banks	bank	NOUN
arjefm-1123	155	52	.	.	PUNCT
arjefm-1123	156	1	69	69	NUM
arjefm-1123	156	2	(	(	PUNCT
arjefm-1123	156	3	23	23	NUM
arjefm-1123	156	4	%	%	NOUN
arjefm-1123	156	5	)	)	PUNCT
arjefm-1123	156	6	126	126	NUM
arjefm-1123	156	7	(	(	PUNCT
arjefm-1123	156	8	47	47	NUM
arjefm-1123	156	9	%	%	NOUN
arjefm-1123	156	10	)	)	PUNCT
arjefm-1123	156	11	24	24	NUM
arjefm-1123	156	12	(	(	PUNCT
arjefm-1123	156	13	8	8	NUM
arjefm-1123	156	14	%	%	NOUN
arjefm-1123	156	15	)	)	PUNCT
arjefm-1123	156	16	30	30	NUM
arjefm-1123	156	17	(	(	PUNCT
arjefm-1123	156	18	10	10	NUM
arjefm-1123	156	19	%	%	NOUN
arjefm-1123	156	20	)	)	PUNCT
arjefm-1123	156	21	36	36	NUM
arjefm-1123	156	22	(	(	PUNCT
arjefm-1123	156	23	12	12	NUM
arjefm-1123	156	24	%	%	NOUN
arjefm-1123	156	25	)	)	PUNCT
arjefm-1123	156	26	source	source	NOUN
arjefm-1123	156	27	:	:	PUNCT
arjefm-1123	156	28	fieldwork	fieldwork	NOUN
arjefm-1123	156	29	,	,	PUNCT
arjefm-1123	156	30	2024	2024	NUM
arjefm-1123	156	31	data	datum	NOUN
arjefm-1123	156	32	presented	present	VERB
arjefm-1123	156	33	in	in	ADP
arjefm-1123	156	34	table	table	NOUN
arjefm-1123	156	35	1	1	NUM
arjefm-1123	156	36	on	on	ADP
arjefm-1123	156	37	responses	response	NOUN
arjefm-1123	156	38	relating	relate	VERB
arjefm-1123	156	39	to	to	ADP
arjefm-1123	156	40	the	the	DET
arjefm-1123	156	41	effects	effect	NOUN
arjefm-1123	156	42	of	of	ADP
arjefm-1123	156	43	microcredit	microcredit	NOUN
arjefm-1123	156	44	on	on	ADP
arjefm-1123	156	45	growth	growth	NOUN
arjefm-1123	156	46	of	of	ADP
arjefm-1123	156	47	smes	sme	NOUN
arjefm-1123	156	48	showed	show	VERB
arjefm-1123	156	49	that	that	SCONJ
arjefm-1123	156	50	42	42	NUM
arjefm-1123	156	51	%	%	NOUN
arjefm-1123	156	52	of	of	ADP
arjefm-1123	156	53	the	the	DET
arjefm-1123	156	54	respondents	respondent	NOUN
arjefm-1123	156	55	strongly	strongly	ADV
arjefm-1123	156	56	agreed	agree	VERB
arjefm-1123	156	57	that	that	SCONJ
arjefm-1123	156	58	microfinance	microfinance	NOUN
arjefm-1123	156	59	banks	bank	NOUN
arjefm-1123	156	60	extend	extend	VERB
arjefm-1123	156	61	microcredits	microcredit	NOUN
arjefm-1123	156	62	to	to	ADP
arjefm-1123	156	63	smes	sme	NOUN
arjefm-1123	156	64	to	to	PART
arjefm-1123	156	65	acquire	acquire	VERB
arjefm-1123	156	66	assets	asset	NOUN
arjefm-1123	156	67	,	,	PUNCT
arjefm-1123	156	68	49	49	NUM
arjefm-1123	156	69	%	%	NOUN
arjefm-1123	156	70	strongly	strongly	ADV
arjefm-1123	156	71	agreed	agree	VERB
arjefm-1123	156	72	that	that	SCONJ
arjefm-1123	156	73	majority	majority	NOUN
arjefm-1123	156	74	of	of	ADP
arjefm-1123	156	75	smes	sme	NOUN
arjefm-1123	156	76	have	have	AUX
arjefm-1123	156	77	financed	finance	VERB
arjefm-1123	156	78	their	their	PRON
arjefm-1123	156	79	business	business	NOUN
arjefm-1123	156	80	through	through	ADP
arjefm-1123	156	81	microfinance	microfinance	NOUN
arjefm-1123	156	82	bank	bank	NOUN
arjefm-1123	156	83	,	,	PUNCT
arjefm-1123	156	84	62	62	NUM
arjefm-1123	156	85	%	%	NOUN
arjefm-1123	156	86	strongly	strongly	ADV
arjefm-1123	156	87	agreed	agree	VERB
arjefm-1123	156	88	that	that	SCONJ
arjefm-1123	156	89	micro	micro	PROPN
arjefm-1123	156	90	finance	finance	PROPN
arjefm-1123	156	91	bank	bank	PROPN
arjefm-1123	156	92	improved	improve	VERB
arjefm-1123	156	93	working	working	NOUN
arjefm-1123	156	94	capital	capital	NOUN
arjefm-1123	156	95	of	of	ADP
arjefm-1123	156	96	smes	sme	NOUN
arjefm-1123	156	97	,	,	PUNCT
arjefm-1123	156	98	and	and	CCONJ
arjefm-1123	156	99	47	47	NUM
arjefm-1123	156	100	%	%	NOUN
arjefm-1123	156	101	agreed	agree	VERB
arjefm-1123	156	102	that	that	SCONJ
arjefm-1123	156	103	profitability	profitability	NOUN
arjefm-1123	156	104	of	of	ADP
arjefm-1123	156	105	smes	smes	PROPN
arjefm-1123	156	106	micro	micro	PROPN
arjefm-1123	156	107	credits	credit	NOUN
arjefm-1123	156	108	from	from	ADP
arjefm-1123	156	109	microfinance	microfinance	NOUN
arjefm-1123	156	110	banks	bank	NOUN
arjefm-1123	156	111	.	.	PUNCT
arjefm-1123	157	1	this	this	PRON
arjefm-1123	157	2	implies	imply	VERB
arjefm-1123	157	3	that	that	SCONJ
arjefm-1123	157	4	microfinance	microfinance	NOUN
arjefm-1123	157	5	bank	bank	PROPN
arjefm-1123	157	6	through	through	ADP
arjefm-1123	157	7	microcredit	microcredit	NOUN
arjefm-1123	157	8	has	have	VERB
arjefm-1123	157	9	great	great	ADJ
arjefm-1123	157	10	impact	impact	NOUN
arjefm-1123	157	11	in	in	ADP
arjefm-1123	157	12	the	the	DET
arjefm-1123	157	13	growth	growth	NOUN
arjefm-1123	157	14	of	of	ADP
arjefm-1123	157	15	smes	sme	NOUN
arjefm-1123	157	16	.	.	PUNCT
arjefm-1123	158	1	table	table	NOUN
arjefm-1123	158	2	2	2	NUM
arjefm-1123	158	3	:	:	PUNCT
arjefm-1123	158	4	impact	impact	NOUN
arjefm-1123	158	5	of	of	ADP
arjefm-1123	158	6	microfinance	microfinance	NOUN
arjefm-1123	158	7	banks	bank	NOUN
arjefm-1123	158	8	on	on	ADP
arjefm-1123	158	9	payment	payment	NOUN
arjefm-1123	158	10	services	service	NOUN
arjefm-1123	158	11	of	of	ADP
arjefm-1123	158	12	smes	sme	NOUN
arjefm-1123	158	13	s	s	PART
arjefm-1123	158	14	/	/	SYM
arjefm-1123	158	15	n	n	PRON
arjefm-1123	158	16	items	item	NOUN
arjefm-1123	158	17	sa	sa	VERB
arjefm-1123	158	18	a	a	DET
arjefm-1123	158	19	n	n	NOUN
arjefm-1123	158	20	d	d	NOUN
arjefm-1123	158	21	sd	sd	ADP
arjefm-1123	158	22	5	5	NUM
arjefm-1123	158	23	.	.	PUNCT
arjefm-1123	158	24	majority	majority	NOUN
arjefm-1123	158	25	of	of	ADP
arjefm-1123	158	26	smes	sme	NOUN
arjefm-1123	158	27	effect	effect	NOUN
arjefm-1123	158	28	payment	payment	NOUN
arjefm-1123	158	29	of	of	ADP
arjefm-1123	158	30	their	their	PRON
arjefm-1123	158	31	clients	client	NOUN
arjefm-1123	158	32	through	through	ADP
arjefm-1123	158	33	microfinance	microfinance	NOUN
arjefm-1123	158	34	banks	bank	NOUN
arjefm-1123	158	35	.	.	PUNCT
arjefm-1123	159	1	117	117	NUM
arjefm-1123	159	2	(	(	PUNCT
arjefm-1123	159	3	39	39	NUM
arjefm-1123	159	4	%	%	NOUN
arjefm-1123	159	5	)	)	PUNCT
arjefm-1123	159	6	102	102	NUM
arjefm-1123	159	7	(	(	PUNCT
arjefm-1123	159	8	34	34	NUM
arjefm-1123	159	9	%	%	NOUN
arjefm-1123	159	10	)	)	PUNCT
arjefm-1123	159	11	36	36	NUM
arjefm-1123	159	12	(	(	PUNCT
arjefm-1123	159	13	12	12	NUM
arjefm-1123	159	14	%	%	NOUN
arjefm-1123	159	15	)	)	PUNCT
arjefm-1123	159	16	12	12	NUM
arjefm-1123	159	17	(	(	PUNCT
arjefm-1123	159	18	4	4	NUM
arjefm-1123	159	19	%	%	NOUN
arjefm-1123	159	20	)	)	PUNCT
arjefm-1123	159	21	30	30	NUM
arjefm-1123	159	22	(	(	PUNCT
arjefm-1123	159	23	10	10	NUM
arjefm-1123	159	24	%	%	NOUN
arjefm-1123	159	25	)	)	PUNCT
arjefm-1123	159	26	6	6	NUM
arjefm-1123	159	27	.	.	PUNCT
arjefm-1123	160	1	microfinance	microfinance	NOUN
arjefm-1123	160	2	banks	bank	NOUN
arjefm-1123	160	3	now	now	ADV
arjefm-1123	160	4	offer	offer	VERB
arjefm-1123	160	5	applications	application	NOUN
arjefm-1123	160	6	to	to	ADP
arjefm-1123	160	7	their	their	PRON
arjefm-1123	160	8	customer	customer	NOUN
arjefm-1123	160	9	for	for	ADP
arjefm-1123	160	10	payment	payment	NOUN
arjefm-1123	160	11	services	service	NOUN
arjefm-1123	160	12	.	.	PUNCT
arjefm-1123	161	1	63	63	NUM
arjefm-1123	161	2	(	(	PUNCT
arjefm-1123	161	3	21	21	NUM
arjefm-1123	161	4	%	%	NOUN
arjefm-1123	161	5	)	)	PUNCT
arjefm-1123	161	6	39	39	NUM
arjefm-1123	161	7	(	(	PUNCT
arjefm-1123	161	8	13	13	NUM
arjefm-1123	161	9	%	%	NOUN
arjefm-1123	161	10	)	)	PUNCT
arjefm-1123	161	11	33	33	NUM
arjefm-1123	161	12	(	(	PUNCT
arjefm-1123	161	13	11	11	NUM
arjefm-1123	161	14	%	%	NOUN
arjefm-1123	161	15	)	)	PUNCT
arjefm-1123	161	16	138	138	NUM
arjefm-1123	161	17	(	(	PUNCT
arjefm-1123	161	18	46	46	NUM
arjefm-1123	161	19	%	%	NOUN
arjefm-1123	161	20	)	)	PUNCT
arjefm-1123	161	21	27	27	NUM
arjefm-1123	161	22	(	(	PUNCT
arjefm-1123	161	23	9	9	NUM
arjefm-1123	161	24	%	%	NOUN
arjefm-1123	161	25	)	)	PUNCT
arjefm-1123	161	26	7	7	NUM
arjefm-1123	161	27	.	.	X
arjefm-1123	161	28	majority	majority	NOUN
arjefm-1123	161	29	of	of	ADP
arjefm-1123	161	30	microfinance	microfinance	NOUN
arjefm-1123	161	31	banks	bank	NOUN
arjefm-1123	161	32	are	be	AUX
arjefm-1123	161	33	now	now	ADV
arjefm-1123	161	34	connected	connect	VERB
arjefm-1123	161	35	to	to	PART
arjefm-1123	161	36	nibbs	nibbs	VERB
arjefm-1123	161	37	that	that	PRON
arjefm-1123	161	38	ease	ease	VERB
arjefm-1123	161	39	interbank	interbank	NOUN
arjefm-1123	161	40	transfers	transfer	NOUN
arjefm-1123	161	41	.	.	PUNCT
arjefm-1123	162	1	138	138	NUM
arjefm-1123	162	2	(	(	PUNCT
arjefm-1123	162	3	46	46	NUM
arjefm-1123	162	4	%	%	NOUN
arjefm-1123	162	5	)	)	PUNCT
arjefm-1123	162	6	63	63	NUM
arjefm-1123	162	7	(	(	PUNCT
arjefm-1123	162	8	21	21	NUM
arjefm-1123	162	9	%	%	NOUN
arjefm-1123	162	10	)	)	PUNCT
arjefm-1123	162	11	0	0	NUM
arjefm-1123	163	1	(	(	PUNCT
arjefm-1123	163	2	0	0	NUM
arjefm-1123	163	3	%	%	NOUN
arjefm-1123	163	4	)	)	PUNCT
arjefm-1123	163	5	66	66	NUM
arjefm-1123	163	6	(	(	PUNCT
arjefm-1123	163	7	22	22	NUM
arjefm-1123	163	8	%	%	NOUN
arjefm-1123	163	9	)	)	PUNCT
arjefm-1123	163	10	33	33	NUM
arjefm-1123	163	11	(	(	PUNCT
arjefm-1123	163	12	11	11	NUM
arjefm-1123	163	13	%	%	NOUN
arjefm-1123	163	14	)	)	PUNCT
arjefm-1123	163	15	8	8	NUM
arjefm-1123	163	16	.	.	PUNCT
arjefm-1123	164	1	microfinance	microfinance	NOUN
arjefm-1123	164	2	banks	bank	NOUN
arjefm-1123	164	3	offer	offer	VERB
arjefm-1123	164	4	their	their	PRON
arjefm-1123	164	5	customers	customer	NOUN
arjefm-1123	164	6	cheque	cheque	VERB
arjefm-1123	164	7	services	service	NOUN
arjefm-1123	164	8	that	that	PRON
arjefm-1123	164	9	can	can	AUX
arjefm-1123	164	10	pass	pass	VERB
arjefm-1123	164	11	through	through	ADP
arjefm-1123	164	12	cbn	cbn	PROPN
arjefm-1123	164	13	clearing	clearing	NOUN
arjefm-1123	164	14	system	system	NOUN
arjefm-1123	164	15	.	.	PUNCT
arjefm-1123	165	1	51	51	NUM
arjefm-1123	165	2	(	(	PUNCT
arjefm-1123	165	3	17	17	NUM
arjefm-1123	165	4	%	%	NOUN
arjefm-1123	165	5	)	)	PUNCT
arjefm-1123	165	6	129	129	NUM
arjefm-1123	165	7	(	(	PUNCT
arjefm-1123	165	8	43	43	NUM
arjefm-1123	165	9	%	%	NOUN
arjefm-1123	165	10	)	)	PUNCT
arjefm-1123	165	11	27	27	NUM
arjefm-1123	165	12	(	(	PUNCT
arjefm-1123	165	13	9	9	NUM
arjefm-1123	165	14	%	%	NOUN
arjefm-1123	165	15	)	)	PUNCT
arjefm-1123	165	16	42	42	NUM
arjefm-1123	165	17	(	(	PUNCT
arjefm-1123	165	18	14	14	NUM
arjefm-1123	165	19	%	%	NOUN
arjefm-1123	165	20	)	)	PUNCT
arjefm-1123	165	21	51	51	NUM
arjefm-1123	165	22	(	(	PUNCT
arjefm-1123	165	23	17	17	NUM
arjefm-1123	165	24	%	%	NOUN
arjefm-1123	165	25	)	)	PUNCT
arjefm-1123	165	26	source	source	NOUN
arjefm-1123	165	27	:	:	PUNCT
arjefm-1123	165	28	fieldwork	fieldwork	NOUN
arjefm-1123	165	29	,	,	PUNCT
arjefm-1123	166	1	2024	2024	NUM
arjefm-1123	166	2	data	datum	NOUN
arjefm-1123	166	3	presented	present	VERB
arjefm-1123	166	4	in	in	ADP
arjefm-1123	166	5	table	table	NOUN
arjefm-1123	166	6	2	2	NUM
arjefm-1123	166	7	showed	show	VERB
arjefm-1123	166	8	the	the	DET
arjefm-1123	166	9	responses	response	NOUN
arjefm-1123	166	10	on	on	ADP
arjefm-1123	166	11	the	the	DET
arjefm-1123	166	12	influence	influence	NOUN
arjefm-1123	166	13	of	of	ADP
arjefm-1123	166	14	microfinance	microfinance	NOUN
arjefm-1123	166	15	banks	bank	NOUN
arjefm-1123	166	16	on	on	ADP
arjefm-1123	166	17	payment	payment	NOUN
arjefm-1123	166	18	services	service	NOUN
arjefm-1123	166	19	of	of	ADP
arjefm-1123	166	20	smes	sme	NOUN
arjefm-1123	166	21	.	.	PUNCT
arjefm-1123	167	1	it	it	PRON
arjefm-1123	167	2	was	be	AUX
arjefm-1123	167	3	observed	observe	VERB
arjefm-1123	167	4	that	that	SCONJ
arjefm-1123	167	5	73	73	NUM
arjefm-1123	167	6	%	%	NOUN
arjefm-1123	167	7	of	of	ADP
arjefm-1123	167	8	the	the	DET
arjefm-1123	167	9	respondents	respondent	NOUN
arjefm-1123	167	10	agreed	agree	VERB
arjefm-1123	167	11	that	that	SCONJ
arjefm-1123	167	12	smes	sme	NOUN
arjefm-1123	167	13	effect	effect	VERB
arjefm-1123	167	14	payment	payment	NOUN
arjefm-1123	167	15	of	of	ADP
arjefm-1123	167	16	their	their	PRON
arjefm-1123	167	17	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	167	18	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	167	19	american	american	PROPN
arjefm-1123	167	20	research	research	PROPN
arjefm-1123	167	21	journal	journal	PROPN
arjefm-1123	167	22	of	of	ADP
arjefm-1123	167	23	economics	economic	NOUN
arjefm-1123	167	24	,	,	PUNCT
arjefm-1123	167	25	finance	finance	NOUN
arjefm-1123	167	26	and	and	CCONJ
arjefm-1123	167	27	management	management	NOUN
arjefm-1123	167	28	volume	volume	NOUN
arjefm-1123	167	29	12	12	NUM
arjefm-1123	167	30	issue	issue	NOUN
arjefm-1123	167	31	4	4	NUM
arjefm-1123	167	32	,	,	PUNCT
arjefm-1123	167	33	october	october	PROPN
arjefm-1123	167	34	-	-	PUNCT
arjefm-1123	167	35	december	december	PROPN
arjefm-1123	167	36	2024	2024	NUM
arjefm-1123	167	37	issn	issn	NOUN
arjefm-1123	167	38	:	:	PUNCT
arjefm-1123	167	39	2836	2836	NUM
arjefm-1123	167	40	-	-	SYM
arjefm-1123	167	41	9416	9416	NUM
arjefm-1123	167	42	impact	impact	NOUN
arjefm-1123	167	43	factor	factor	NOUN
arjefm-1123	167	44	:	:	PUNCT
arjefm-1123	167	45	5.57	5.57	NUM
arjefm-1123	167	46	journal	journal	NOUN
arjefm-1123	167	47	homepage	homepage	NOUN
arjefm-1123	167	48	:	:	PUNCT
arjefm-1123	167	49	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	167	50	,	,	PUNCT
arjefm-1123	167	51	email	email	NOUN
arjefm-1123	167	52	:	:	PUNCT
arjefm-1123	167	53	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	167	54	official	official	ADJ
arjefm-1123	167	55	journal	journal	PROPN
arjefm-1123	167	56	of	of	ADP
arjefm-1123	167	57	america	america	PROPN
arjefm-1123	167	58	serial	serial	PROPN
arjefm-1123	167	59	publication	publication	NOUN
arjefm-1123	167	60	american	american	PROPN
arjefm-1123	167	61	research	research	PROPN
arjefm-1123	167	62	journal	journal	PROPN
arjefm-1123	167	63	of	of	ADP
arjefm-1123	167	64	economics	economic	NOUN
arjefm-1123	167	65	,	,	PUNCT
arjefm-1123	167	66	finance	finance	NOUN
arjefm-1123	167	67	and	and	CCONJ
arjefm-1123	167	68	management	management	NOUN
arjefm-1123	167	69	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	167	70	,	,	PUNCT
arjefm-1123	167	71	email	email	NOUN
arjefm-1123	167	72	:	:	PUNCT
arjefm-1123	167	73	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	168	1	10	10	NUM
arjefm-1123	169	1	|	|	ADV
arjefm-1123	169	2	p	p	X
arjefm-1123	169	3	a	a	DET
arjefm-1123	169	4	g	g	NOUN
arjefm-1123	169	5	e	e	NOUN
arjefm-1123	169	6	clients	client	NOUN
arjefm-1123	169	7	through	through	ADP
arjefm-1123	169	8	microfinance	microfinance	NOUN
arjefm-1123	169	9	banks	bank	NOUN
arjefm-1123	169	10	,	,	PUNCT
arjefm-1123	169	11	46	46	NUM
arjefm-1123	169	12	%	%	NOUN
arjefm-1123	169	13	strongly	strongly	ADV
arjefm-1123	169	14	disagreed	disagree	VERB
arjefm-1123	169	15	microfinance	microfinance	NOUN
arjefm-1123	169	16	banks	bank	NOUN
arjefm-1123	169	17	offers	offer	VERB
arjefm-1123	169	18	them	they	PRON
arjefm-1123	169	19	bank	bank	NOUN
arjefm-1123	169	20	application	application	NOUN
arjefm-1123	169	21	with	with	ADP
arjefm-1123	169	22	which	which	PRON
arjefm-1123	169	23	to	to	PART
arjefm-1123	169	24	make	make	VERB
arjefm-1123	169	25	payment	payment	NOUN
arjefm-1123	169	26	services	service	NOUN
arjefm-1123	169	27	.	.	PUNCT
arjefm-1123	170	1	67	67	NUM
arjefm-1123	170	2	%	%	NOUN
arjefm-1123	170	3	agreed	agree	VERB
arjefm-1123	170	4	that	that	SCONJ
arjefm-1123	170	5	microfinance	microfinance	NOUN
arjefm-1123	170	6	banks	bank	NOUN
arjefm-1123	170	7	offer	offer	VERB
arjefm-1123	170	8	online	online	ADJ
arjefm-1123	170	9	real	real	ADJ
arjefm-1123	170	10	-	-	PUNCT
arjefm-1123	170	11	time	time	NOUN
arjefm-1123	170	12	services	service	NOUN
arjefm-1123	170	13	to	to	ADP
arjefm-1123	170	14	smes	sme	NOUN
arjefm-1123	170	15	,	,	PUNCT
arjefm-1123	170	16	and	and	CCONJ
arjefm-1123	170	17	60	60	NUM
arjefm-1123	170	18	%	%	NOUN
arjefm-1123	170	19	agreed	agree	VERB
arjefm-1123	170	20	that	that	SCONJ
arjefm-1123	170	21	some	some	DET
arjefm-1123	170	22	smes	sme	NOUN
arjefm-1123	170	23	process	process	VERB
arjefm-1123	170	24	their	their	PRON
arjefm-1123	170	25	chq	chq	NOUN
arjefm-1123	170	26	deposits	deposit	NOUN
arjefm-1123	170	27	through	through	ADP
arjefm-1123	170	28	microfinance	microfinance	NOUN
arjefm-1123	170	29	banks	bank	NOUN
arjefm-1123	170	30	who	who	PRON
arjefm-1123	170	31	assists	assist	VERB
arjefm-1123	170	32	them	they	PRON
arjefm-1123	170	33	to	to	PART
arjefm-1123	170	34	clear	clear	VERB
arjefm-1123	170	35	the	the	DET
arjefm-1123	170	36	cheque	cheque	NOUN
arjefm-1123	170	37	.	.	PUNCT
arjefm-1123	171	1	the	the	DET
arjefm-1123	171	2	summary	summary	NOUN
arjefm-1123	171	3	of	of	ADP
arjefm-1123	171	4	the	the	DET
arjefm-1123	171	5	responses	response	NOUN
arjefm-1123	171	6	agreed	agree	VERB
arjefm-1123	171	7	that	that	SCONJ
arjefm-1123	171	8	microfinance	microfinance	NOUN
arjefm-1123	171	9	banks	bank	NOUN
arjefm-1123	171	10	has	have	AUX
arjefm-1123	171	11	assisted	assist	VERB
arjefm-1123	171	12	to	to	PART
arjefm-1123	171	13	improve	improve	VERB
arjefm-1123	171	14	on	on	ADP
arjefm-1123	171	15	payment	payment	NOUN
arjefm-1123	171	16	services	service	NOUN
arjefm-1123	171	17	of	of	ADP
arjefm-1123	171	18	smes	sme	NOUN
arjefm-1123	171	19	.	.	PUNCT
arjefm-1123	172	1	table	table	NOUN
arjefm-1123	172	2	3	3	NUM
arjefm-1123	172	3	:	:	PUNCT
arjefm-1123	172	4	role	role	NOUN
arjefm-1123	172	5	of	of	ADP
arjefm-1123	172	6	microfinance	microfinance	NOUN
arjefm-1123	172	7	bank	bank	NOUN
arjefm-1123	172	8	on	on	ADP
arjefm-1123	172	9	smes	sme	NOUN
arjefm-1123	172	10	saving	save	VERB
arjefm-1123	172	11	of	of	ADP
arjefm-1123	172	12	surplus	surplus	ADJ
arjefm-1123	172	13	fund	fund	NOUN
arjefm-1123	172	14	s	s	PART
arjefm-1123	172	15	/	/	SYM
arjefm-1123	172	16	n	n	NOUN
arjefm-1123	172	17	items	item	NOUN
arjefm-1123	172	18	sa	sa	VERB
arjefm-1123	172	19	a	a	DET
arjefm-1123	172	20	n	n	NOUN
arjefm-1123	172	21	d	d	NOUN
arjefm-1123	172	22	sd	sd	ADP
arjefm-1123	172	23	9	9	NUM
arjefm-1123	172	24	.	.	PUNCT
arjefm-1123	173	1	smes	sme	NOUN
arjefm-1123	173	2	has	have	AUX
arjefm-1123	173	3	developed	develop	VERB
arjefm-1123	173	4	interest	interest	NOUN
arjefm-1123	173	5	in	in	ADP
arjefm-1123	173	6	savings	saving	NOUN
arjefm-1123	173	7	through	through	ADP
arjefm-1123	173	8	maintaining	maintain	VERB
arjefm-1123	173	9	account	account	NOUN
arjefm-1123	173	10	with	with	ADP
arjefm-1123	173	11	microfinance	microfinance	NOUN
arjefm-1123	173	12	banks	bank	NOUN
arjefm-1123	173	13	.	.	PUNCT
arjefm-1123	174	1	18	18	NUM
arjefm-1123	174	2	(	(	PUNCT
arjefm-1123	174	3	6	6	NUM
arjefm-1123	174	4	%	%	NOUN
arjefm-1123	174	5	)	)	PUNCT
arjefm-1123	174	6	39	39	NUM
arjefm-1123	174	7	(	(	PUNCT
arjefm-1123	174	8	13	13	NUM
arjefm-1123	174	9	%	%	NOUN
arjefm-1123	174	10	)	)	PUNCT
arjefm-1123	174	11	48	48	NUM
arjefm-1123	174	12	(	(	PUNCT
arjefm-1123	174	13	16	16	NUM
arjefm-1123	174	14	%	%	NOUN
arjefm-1123	174	15	)	)	PUNCT
arjefm-1123	174	16	150	150	NUM
arjefm-1123	174	17	(	(	PUNCT
arjefm-1123	174	18	50	50	NUM
arjefm-1123	174	19	%	%	NOUN
arjefm-1123	174	20	)	)	PUNCT
arjefm-1123	174	21	48	48	NUM
arjefm-1123	174	22	(	(	PUNCT
arjefm-1123	174	23	16	16	NUM
arjefm-1123	174	24	%	%	NOUN
arjefm-1123	174	25	)	)	PUNCT
arjefm-1123	174	26	10	10	NUM
arjefm-1123	174	27	.	.	PUNCT
arjefm-1123	175	1	savings	saving	NOUN
arjefm-1123	175	2	interest	interest	NOUN
arjefm-1123	175	3	rates	rate	NOUN
arjefm-1123	175	4	offered	offer	VERB
arjefm-1123	175	5	by	by	ADP
arjefm-1123	175	6	microfinance	microfinance	NOUN
arjefm-1123	175	7	banks	bank	NOUN
arjefm-1123	175	8	are	be	AUX
arjefm-1123	175	9	attractive	attractive	ADJ
arjefm-1123	175	10	to	to	ADP
arjefm-1123	175	11	smes	sme	NOUN
arjefm-1123	175	12	39	39	NUM
arjefm-1123	175	13	(	(	PUNCT
arjefm-1123	175	14	14	14	NUM
arjefm-1123	175	15	%	%	NOUN
arjefm-1123	175	16	)	)	PUNCT
arjefm-1123	175	17	57	57	NUM
arjefm-1123	175	18	(	(	PUNCT
arjefm-1123	175	19	19	19	NUM
arjefm-1123	175	20	%	%	NOUN
arjefm-1123	175	21	)	)	PUNCT
arjefm-1123	175	22	12	12	NUM
arjefm-1123	175	23	(	(	PUNCT
arjefm-1123	175	24	4	4	NUM
arjefm-1123	175	25	%	%	NOUN
arjefm-1123	175	26	)	)	PUNCT
arjefm-1123	175	27	63	63	NUM
arjefm-1123	175	28	(	(	PUNCT
arjefm-1123	175	29	21	21	NUM
arjefm-1123	175	30	%	%	NOUN
arjefm-1123	175	31	)	)	PUNCT
arjefm-1123	175	32	126	126	NUM
arjefm-1123	175	33	(	(	PUNCT
arjefm-1123	175	34	42	42	NUM
arjefm-1123	175	35	%	%	NOUN
arjefm-1123	175	36	)	)	PUNCT
arjefm-1123	175	37	11	11	NUM
arjefm-1123	175	38	.	.	PUNCT
arjefm-1123	176	1	through	through	ADP
arjefm-1123	176	2	savings	saving	NOUN
arjefm-1123	176	3	with	with	ADP
arjefm-1123	176	4	microfinance	microfinance	NOUN
arjefm-1123	176	5	banks	bank	NOUN
arjefm-1123	176	6	,	,	PUNCT
arjefm-1123	176	7	smes	smes	PROPN
arjefm-1123	176	8	has	have	AUX
arjefm-1123	176	9	improved	improve	VERB
arjefm-1123	176	10	their	their	PRON
arjefm-1123	176	11	working	work	VERB
arjefm-1123	176	12	capital	capital	NOUN
arjefm-1123	176	13	.	.	PUNCT
arjefm-1123	177	1	66	66	NUM
arjefm-1123	177	2	(	(	PUNCT
arjefm-1123	177	3	22	22	NUM
arjefm-1123	177	4	%	%	NOUN
arjefm-1123	177	5	)	)	PUNCT
arjefm-1123	177	6	33	33	NUM
arjefm-1123	177	7	(	(	PUNCT
arjefm-1123	177	8	11	11	NUM
arjefm-1123	177	9	%	%	NOUN
arjefm-1123	177	10	)	)	PUNCT
arjefm-1123	177	11	63	63	NUM
arjefm-1123	177	12	(	(	PUNCT
arjefm-1123	177	13	21	21	NUM
arjefm-1123	177	14	%	%	NOUN
arjefm-1123	177	15	)	)	PUNCT
arjefm-1123	177	16	63	63	NUM
arjefm-1123	177	17	(	(	PUNCT
arjefm-1123	177	18	21	21	NUM
arjefm-1123	177	19	%	%	NOUN
arjefm-1123	177	20	)	)	PUNCT
arjefm-1123	177	21	138	138	NUM
arjefm-1123	177	22	(	(	PUNCT
arjefm-1123	177	23	46	46	NUM
arjefm-1123	177	24	%	%	NOUN
arjefm-1123	177	25	)	)	PUNCT
arjefm-1123	177	26	12	12	NUM
arjefm-1123	177	27	.	.	PUNCT
arjefm-1123	178	1	fixed	fix	VERB
arjefm-1123	178	2	deposits	deposit	NOUN
arjefm-1123	178	3	maintained	maintain	VERB
arjefm-1123	178	4	by	by	ADP
arjefm-1123	178	5	smes	sme	NOUN
arjefm-1123	178	6	in	in	ADP
arjefm-1123	178	7	microfinance	microfinance	NOUN
arjefm-1123	178	8	banks	bank	NOUN
arjefm-1123	178	9	can	can	AUX
arjefm-1123	178	10	be	be	AUX
arjefm-1123	178	11	used	use	VERB
arjefm-1123	178	12	as	as	ADP
arjefm-1123	178	13	collaterals	collateral	NOUN
arjefm-1123	178	14	for	for	ADP
arjefm-1123	178	15	borrowing	borrow	VERB
arjefm-1123	178	16	short	short	ADJ
arjefm-1123	178	17	term	term	NOUN
arjefm-1123	178	18	fund	fund	NOUN
arjefm-1123	178	19	from	from	ADP
arjefm-1123	178	20	the	the	DET
arjefm-1123	178	21	bank	bank	NOUN
arjefm-1123	178	22	.	.	PUNCT
arjefm-1123	179	1	21	21	NUM
arjefm-1123	179	2	(	(	PUNCT
arjefm-1123	179	3	7	7	NUM
arjefm-1123	179	4	%	%	NOUN
arjefm-1123	179	5	)	)	PUNCT
arjefm-1123	179	6	126	126	NUM
arjefm-1123	179	7	(	(	PUNCT
arjefm-1123	179	8	42	42	NUM
arjefm-1123	179	9	%	%	NOUN
arjefm-1123	179	10	)	)	PUNCT
arjefm-1123	179	11	0	0	NUM
arjefm-1123	180	1	(	(	PUNCT
arjefm-1123	180	2	0	0	NUM
arjefm-1123	180	3	%	%	NOUN
arjefm-1123	180	4	)	)	PUNCT
arjefm-1123	180	5	90	90	NUM
arjefm-1123	180	6	(	(	PUNCT
arjefm-1123	180	7	30	30	NUM
arjefm-1123	180	8	%	%	NOUN
arjefm-1123	180	9	)	)	PUNCT
arjefm-1123	180	10	63	63	NUM
arjefm-1123	180	11	(	(	PUNCT
arjefm-1123	180	12	45	45	NUM
arjefm-1123	180	13	%	%	NOUN
arjefm-1123	180	14	)	)	PUNCT
arjefm-1123	180	15	source	source	NOUN
arjefm-1123	180	16	:	:	PUNCT
arjefm-1123	180	17	fieldwork	fieldwork	NOUN
arjefm-1123	180	18	,	,	PUNCT
arjefm-1123	181	1	2024	2024	NUM
arjefm-1123	181	2	data	datum	NOUN
arjefm-1123	181	3	presented	present	VERB
arjefm-1123	181	4	in	in	ADP
arjefm-1123	181	5	table	table	NOUN
arjefm-1123	181	6	3	3	NUM
arjefm-1123	181	7	showed	show	VERB
arjefm-1123	181	8	the	the	DET
arjefm-1123	181	9	responses	response	NOUN
arjefm-1123	181	10	on	on	ADP
arjefm-1123	181	11	the	the	DET
arjefm-1123	181	12	impact	impact	NOUN
arjefm-1123	181	13	of	of	ADP
arjefm-1123	181	14	microfinance	microfinance	NOUN
arjefm-1123	181	15	bank	bank	NOUN
arjefm-1123	181	16	on	on	ADP
arjefm-1123	181	17	savings	saving	NOUN
arjefm-1123	181	18	mobilization	mobilization	NOUN
arjefm-1123	181	19	of	of	ADP
arjefm-1123	181	20	smes	sme	NOUN
arjefm-1123	181	21	.	.	PUNCT
arjefm-1123	182	1	it	it	PRON
arjefm-1123	182	2	was	be	AUX
arjefm-1123	182	3	observed	observe	VERB
arjefm-1123	182	4	that	that	SCONJ
arjefm-1123	182	5	66	66	NUM
arjefm-1123	182	6	%	%	NOUN
arjefm-1123	182	7	of	of	ADP
arjefm-1123	182	8	the	the	DET
arjefm-1123	182	9	respondents	respondent	NOUN
arjefm-1123	182	10	disagreed	disagree	VERB
arjefm-1123	182	11	that	that	SCONJ
arjefm-1123	182	12	smes	sme	NOUN
arjefm-1123	182	13	developed	develop	VERB
arjefm-1123	182	14	interest	interest	NOUN
arjefm-1123	182	15	in	in	ADP
arjefm-1123	182	16	having	have	VERB
arjefm-1123	182	17	savings	saving	NOUN
arjefm-1123	182	18	with	with	ADP
arjefm-1123	182	19	microfinance	microfinance	NOUN
arjefm-1123	182	20	banks	bank	NOUN
arjefm-1123	182	21	,	,	PUNCT
arjefm-1123	182	22	46	46	NUM
arjefm-1123	182	23	%	%	NOUN
arjefm-1123	182	24	strongly	strongly	ADV
arjefm-1123	182	25	disagreed	disagree	VERB
arjefm-1123	182	26	that	that	SCONJ
arjefm-1123	182	27	savings	saving	NOUN
arjefm-1123	182	28	through	through	ADP
arjefm-1123	182	29	microfinance	microfinance	NOUN
arjefm-1123	182	30	banks	bank	NOUN
arjefm-1123	182	31	improved	improve	VERB
arjefm-1123	182	32	the	the	DET
arjefm-1123	182	33	working	work	VERB
arjefm-1123	182	34	capital	capital	NOUN
arjefm-1123	182	35	of	of	ADP
arjefm-1123	182	36	smes	sme	NOUN
arjefm-1123	182	37	,	,	PUNCT
arjefm-1123	182	38	46	46	NUM
arjefm-1123	182	39	%	%	NOUN
arjefm-1123	182	40	disagreed	disagree	VERB
arjefm-1123	182	41	that	that	SCONJ
arjefm-1123	182	42	majority	majority	NOUN
arjefm-1123	182	43	of	of	ADP
arjefm-1123	182	44	smes	sme	NOUN
arjefm-1123	182	45	does	do	AUX
arjefm-1123	182	46	not	not	PART
arjefm-1123	182	47	go	go	VERB
arjefm-1123	182	48	to	to	ADP
arjefm-1123	182	49	insolvency	insolvency	NOUN
arjefm-1123	182	50	position	position	NOUN
arjefm-1123	182	51	due	due	ADP
arjefm-1123	182	52	to	to	ADP
arjefm-1123	182	53	micro	micro	ADJ
arjefm-1123	182	54	credits	credit	NOUN
arjefm-1123	182	55	they	they	PRON
arjefm-1123	182	56	can	can	AUX
arjefm-1123	182	57	fall	fall	VERB
arjefm-1123	182	58	back	back	ADV
arjefm-1123	182	59	to	to	ADP
arjefm-1123	182	60	,	,	PUNCT
arjefm-1123	182	61	75	75	NUM
arjefm-1123	182	62	%	%	NOUN
arjefm-1123	182	63	of	of	ADP
arjefm-1123	182	64	respondents	respondent	NOUN
arjefm-1123	182	65	disagreed	disagree	VERB
arjefm-1123	182	66	that	that	SCONJ
arjefm-1123	182	67	they	they	PRON
arjefm-1123	182	68	use	use	VERB
arjefm-1123	182	69	fixed	fix	VERB
arjefm-1123	182	70	deposits	deposit	NOUN
arjefm-1123	182	71	with	with	ADP
arjefm-1123	182	72	microfinance	microfinance	NOUN
arjefm-1123	182	73	banks	bank	NOUN
arjefm-1123	182	74	as	as	ADP
arjefm-1123	182	75	collateral	collateral	NOUN
arjefm-1123	182	76	to	to	PART
arjefm-1123	182	77	obtain	obtain	VERB
arjefm-1123	182	78	loans	loan	NOUN
arjefm-1123	182	79	.	.	PUNCT
arjefm-1123	183	1	the	the	DET
arjefm-1123	183	2	summary	summary	NOUN
arjefm-1123	183	3	of	of	ADP
arjefm-1123	183	4	the	the	DET
arjefm-1123	183	5	respondents	respondent	NOUN
arjefm-1123	183	6	shows	show	VERB
arjefm-1123	183	7	that	that	SCONJ
arjefm-1123	183	8	microfinance	microfinance	NOUN
arjefm-1123	183	9	banks	bank	NOUN
arjefm-1123	183	10	does	do	AUX
arjefm-1123	183	11	not	not	PART
arjefm-1123	183	12	support	support	VERB
arjefm-1123	183	13	the	the	DET
arjefm-1123	183	14	savings	saving	NOUN
arjefm-1123	183	15	aspect	aspect	NOUN
arjefm-1123	183	16	of	of	ADP
arjefm-1123	183	17	smes	sme	NOUN
arjefm-1123	183	18	finance	finance	NOUN
arjefm-1123	183	19	.	.	PUNCT
arjefm-1123	184	1	hypotheses	hypothesis	NOUN
arjefm-1123	184	2	testing	test	VERB
arjefm-1123	184	3	in	in	ADP
arjefm-1123	184	4	analyzing	analyze	VERB
arjefm-1123	184	5	the	the	DET
arjefm-1123	184	6	three	three	NUM
arjefm-1123	184	7	(	(	PUNCT
arjefm-1123	184	8	3	3	NUM
arjefm-1123	184	9	)	)	PUNCT
arjefm-1123	184	10	hypotheses	hypothesis	NOUN
arjefm-1123	184	11	derived	derive	VERB
arjefm-1123	184	12	from	from	ADP
arjefm-1123	184	13	the	the	DET
arjefm-1123	184	14	objectives	objective	NOUN
arjefm-1123	184	15	,	,	PUNCT
arjefm-1123	184	16	chi	chi	ADJ
arjefm-1123	184	17	-	-	PUNCT
arjefm-1123	184	18	square	square	ADJ
arjefm-1123	184	19	statistical	statistical	ADJ
arjefm-1123	184	20	tool	tool	NOUN
arjefm-1123	184	21	were	be	AUX
arjefm-1123	184	22	used	use	VERB
arjefm-1123	184	23	to	to	PART
arjefm-1123	184	24	test	test	VERB
arjefm-1123	184	25	the	the	DET
arjefm-1123	184	26	hypotheses	hypothesis	NOUN
arjefm-1123	184	27	.	.	PUNCT
arjefm-1123	185	1	below	below	ADV
arjefm-1123	185	2	are	be	AUX
arjefm-1123	185	3	the	the	DET
arjefm-1123	185	4	analysis	analysis	NOUN
arjefm-1123	185	5	and	and	CCONJ
arjefm-1123	185	6	the	the	DET
arjefm-1123	185	7	results	result	NOUN
arjefm-1123	185	8	of	of	ADP
arjefm-1123	185	9	the	the	DET
arjefm-1123	185	10	hypotheses	hypothesis	NOUN
arjefm-1123	185	11	formulated	formulate	VERB
arjefm-1123	185	12	to	to	PART
arjefm-1123	185	13	guide	guide	VERB
arjefm-1123	185	14	the	the	DET
arjefm-1123	185	15	study	study	NOUN
arjefm-1123	185	16	.	.	PUNCT
arjefm-1123	186	1	decision	decision	NOUN
arjefm-1123	186	2	rule	rule	NOUN
arjefm-1123	186	3	:	:	PUNCT
arjefm-1123	186	4	reject	reject	VERB
arjefm-1123	186	5	the	the	DET
arjefm-1123	186	6	null	null	ADJ
arjefm-1123	186	7	hypotheses	hypothesis	NOUN
arjefm-1123	186	8	if	if	SCONJ
arjefm-1123	186	9	the	the	DET
arjefm-1123	186	10	x2	x2	PROPN
arjefm-1123	186	11	calculated	calculate	VERB
arjefm-1123	186	12	value	value	NOUN
arjefm-1123	186	13	is	be	AUX
arjefm-1123	186	14	greater	great	ADJ
arjefm-1123	186	15	than	than	ADP
arjefm-1123	186	16	the	the	DET
arjefm-1123	186	17	x2	x2	PROPN
arjefm-1123	186	18	critical	critical	ADJ
arjefm-1123	186	19	table	table	NOUN
arjefm-1123	186	20	value	value	NOUN
arjefm-1123	186	21	and	and	CCONJ
arjefm-1123	186	22	accept	accept	VERB
arjefm-1123	186	23	the	the	DET
arjefm-1123	186	24	null	null	ADJ
arjefm-1123	186	25	hypotheses	hypothesis	NOUN
arjefm-1123	186	26	if	if	SCONJ
arjefm-1123	186	27	the	the	DET
arjefm-1123	186	28	x2	x2	PROPN
arjefm-1123	186	29	calculated	calculate	VERB
arjefm-1123	186	30	value	value	NOUN
arjefm-1123	186	31	is	be	AUX
arjefm-1123	186	32	lower	low	ADJ
arjefm-1123	186	33	than	than	ADP
arjefm-1123	186	34	the	the	DET
arjefm-1123	186	35	x2	x2	PROPN
arjefm-1123	186	36	critical	critical	ADJ
arjefm-1123	186	37	table	table	NOUN
arjefm-1123	186	38	value	value	NOUN
arjefm-1123	186	39	.	.	PUNCT
arjefm-1123	187	1	hypothesis	hypothesis	NOUN
arjefm-1123	187	2	one	one	NUM
arjefm-1123	187	3	ho	ho	NOUN
arjefm-1123	187	4	:	:	PUNCT
arjefm-1123	187	5	there	there	PRON
arjefm-1123	187	6	is	be	VERB
arjefm-1123	187	7	no	no	DET
arjefm-1123	187	8	significant	significant	ADJ
arjefm-1123	187	9	relationship	relationship	NOUN
arjefm-1123	187	10	between	between	ADP
arjefm-1123	187	11	microcredits	microcredit	NOUN
arjefm-1123	187	12	and	and	CCONJ
arjefm-1123	187	13	business	business	NOUN
arjefm-1123	187	14	growth	growth	NOUN
arjefm-1123	187	15	of	of	ADP
arjefm-1123	187	16	smes	sme	NOUN
arjefm-1123	187	17	.	.	PUNCT
arjefm-1123	188	1	to	to	PART
arjefm-1123	188	2	test	test	VERB
arjefm-1123	188	3	the	the	DET
arjefm-1123	188	4	hypothesis	hypothesis	NOUN
arjefm-1123	188	5	,	,	PUNCT
arjefm-1123	188	6	the	the	DET
arjefm-1123	188	7	response	response	NOUN
arjefm-1123	188	8	to	to	ADP
arjefm-1123	188	9	questions	question	NOUN
arjefm-1123	188	10	1	1	NUM
arjefm-1123	188	11	-	-	SYM
arjefm-1123	188	12	4	4	NUM
arjefm-1123	188	13	in	in	ADP
arjefm-1123	188	14	the	the	DET
arjefm-1123	188	15	questionnaire	questionnaire	NOUN
arjefm-1123	188	16	as	as	SCONJ
arjefm-1123	188	17	found	find	VERB
arjefm-1123	188	18	in	in	ADP
arjefm-1123	188	19	table	table	NOUN
arjefm-1123	188	20	1	1	NUM
arjefm-1123	188	21	was	be	AUX
arjefm-1123	188	22	used	use	VERB
arjefm-1123	188	23	.	.	PUNCT
arjefm-1123	189	1	the	the	DET
arjefm-1123	189	2	chi	chi	ADJ
arjefm-1123	189	3	-	-	PUNCT
arjefm-1123	189	4	square	square	ADJ
arjefm-1123	189	5	statistical	statistical	ADJ
arjefm-1123	189	6	tool	tool	NOUN
arjefm-1123	189	7	was	be	AUX
arjefm-1123	189	8	used	use	VERB
arjefm-1123	189	9	as	as	SCONJ
arjefm-1123	189	10	shown	show	VERB
arjefm-1123	189	11	below	below	ADP
arjefm-1123	189	12	.	.	PUNCT
arjefm-1123	190	1	table	table	NOUN
arjefm-1123	190	2	4	4	NUM
arjefm-1123	190	3	:	:	PUNCT
arjefm-1123	190	4	chi	chi	ADJ
arjefm-1123	190	5	-	-	PUNCT
arjefm-1123	190	6	square	square	ADJ
arjefm-1123	190	7	computation	computation	NOUN
arjefm-1123	190	8	table	table	NOUN
arjefm-1123	190	9	s	s	PROPN
arjefm-1123	190	10	/	/	SYM
arjefm-1123	190	11	n	n	NOUN
arjefm-1123	190	12	sa	sa	NOUN
arjefm-1123	190	13	a	a	DET
arjefm-1123	190	14	n	n	NOUN
arjefm-1123	190	15	d	d	X
arjefm-1123	190	16	sd	sd	NOUN
arjefm-1123	190	17	mea	mea	PROPN
arjefm-1123	190	18	n	n	PROPN
arjefm-1123	190	19	(	(	PUNCT
arjefm-1123	190	20	x	x	X
arjefm-1123	190	21	)	)	PUNCT
arjefm-1123	190	22	sd	sd	ADP
arjefm-1123	190	23	df	df	NOUN
arjefm-1123	190	24	x	x	PUNCT
arjefm-1123	190	25	2	2	NUM
arjefm-1123	190	26	c	c	NOUN
arjefm-1123	190	27	a	a	DET
arjefm-1123	190	28	l	l	NOUN
arjefm-1123	190	29	x	x	SYM
arjefm-1123	190	30	2	2	NUM
arjefm-1123	190	31	c	c	NOUN
arjefm-1123	190	32	r	r	NOUN
arjefm-1123	190	33	it	it	PRON
arjefm-1123	190	34	.	.	PUNCT
arjefm-1123	191	1	sig	sig	NOUN
arjefm-1123	191	2	decisi	decisi	VERB
arjefm-1123	191	3	on	on	ADP
arjefm-1123	191	4	1	1	NUM
arjefm-1123	191	5	.	.	SYM
arjefm-1123	191	6	114	114	NUM
arjefm-1123	191	7	21	21	NUM
arjefm-1123	191	8	24	24	NUM
arjefm-1123	191	9	63	63	NUM
arjefm-1123	191	10	66	66	NUM
arjefm-1123	191	11	mailto:contact@americaserial.com	mailto:contact@americaserial.com	NOUN
arjefm-1123	191	12	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	191	13	american	american	PROPN
arjefm-1123	191	14	research	research	PROPN
arjefm-1123	191	15	journal	journal	PROPN
arjefm-1123	191	16	of	of	ADP
arjefm-1123	191	17	economics	economic	NOUN
arjefm-1123	191	18	,	,	PUNCT
arjefm-1123	191	19	finance	finance	NOUN
arjefm-1123	191	20	and	and	CCONJ
arjefm-1123	191	21	management	management	NOUN
arjefm-1123	191	22	volume	volume	NOUN
arjefm-1123	191	23	12	12	NUM
arjefm-1123	191	24	issue	issue	NOUN
arjefm-1123	191	25	4	4	NUM
arjefm-1123	191	26	,	,	PUNCT
arjefm-1123	191	27	october	october	PROPN
arjefm-1123	191	28	-	-	PUNCT
arjefm-1123	191	29	december	december	PROPN
arjefm-1123	191	30	2024	2024	NUM
arjefm-1123	191	31	issn	issn	NOUN
arjefm-1123	191	32	:	:	PUNCT
arjefm-1123	191	33	2836	2836	NUM
arjefm-1123	191	34	-	-	SYM
arjefm-1123	191	35	9416	9416	NUM
arjefm-1123	191	36	impact	impact	NOUN
arjefm-1123	191	37	factor	factor	NOUN
arjefm-1123	191	38	:	:	PUNCT
arjefm-1123	191	39	5.57	5.57	NUM
arjefm-1123	191	40	journal	journal	NOUN
arjefm-1123	191	41	homepage	homepage	NOUN
arjefm-1123	191	42	:	:	PUNCT
arjefm-1123	191	43	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	191	44	,	,	PUNCT
arjefm-1123	191	45	email	email	NOUN
arjefm-1123	191	46	:	:	PUNCT
arjefm-1123	191	47	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	191	48	official	official	ADJ
arjefm-1123	191	49	journal	journal	PROPN
arjefm-1123	191	50	of	of	ADP
arjefm-1123	191	51	america	america	PROPN
arjefm-1123	191	52	serial	serial	PROPN
arjefm-1123	191	53	publication	publication	NOUN
arjefm-1123	191	54	american	american	PROPN
arjefm-1123	191	55	research	research	PROPN
arjefm-1123	191	56	journal	journal	PROPN
arjefm-1123	191	57	of	of	ADP
arjefm-1123	191	58	economics	economic	NOUN
arjefm-1123	191	59	,	,	PUNCT
arjefm-1123	191	60	finance	finance	NOUN
arjefm-1123	191	61	and	and	CCONJ
arjefm-1123	191	62	management	management	NOUN
arjefm-1123	191	63	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	191	64	,	,	PUNCT
arjefm-1123	191	65	email	email	NOUN
arjefm-1123	191	66	:	:	PUNCT
arjefm-1123	192	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	192	2	11	11	NUM
arjefm-1123	193	1	|	|	ADV
arjefm-1123	193	2	p	p	X
arjefm-1123	193	3	a	a	DET
arjefm-1123	193	4	g	g	NOUN
arjefm-1123	193	5	e	e	NOUN
arjefm-1123	193	6	2	2	NUM
arjefm-1123	193	7	.	.	PUNCT
arjefm-1123	194	1	147	147	NUM
arjefm-1123	194	2	39	39	NUM
arjefm-1123	194	3	30	30	NUM
arjefm-1123	194	4	36	36	NUM
arjefm-1123	194	5	48	48	NUM
arjefm-1123	194	6	2.81	2.81	NUM
arjefm-1123	194	7	1.42	1.42	NUM
arjefm-1123	194	8	9	9	NUM
arjefm-1123	194	9	46.91	46.91	NUM
arjefm-1123	194	10	11.085	11.085	NUM
arjefm-1123	194	11	0.05	0.05	NUM
arjefm-1123	194	12	reject	reject	NOUN
arjefm-1123	194	13	h0	h0	PROPN
arjefm-1123	194	14	3	3	NUM
arjefm-1123	194	15	.	.	PROPN
arjefm-1123	194	16	186	186	NUM
arjefm-1123	194	17	27	27	NUM
arjefm-1123	194	18	9	9	NUM
arjefm-1123	194	19	36	36	NUM
arjefm-1123	194	20	39	39	NUM
arjefm-1123	194	21	4	4	NUM
arjefm-1123	194	22	.	.	PUNCT
arjefm-1123	194	23	69	69	NUM
arjefm-1123	194	24	126	126	NUM
arjefm-1123	194	25	24	24	NUM
arjefm-1123	194	26	30	30	NUM
arjefm-1123	194	27	36	36	NUM
arjefm-1123	194	28	source	source	NOUN
arjefm-1123	194	29	:	:	PUNCT
arjefm-1123	194	30	authors	author	NOUN
arjefm-1123	194	31	computation	computation	VERB
arjefm-1123	194	32	,	,	PUNCT
arjefm-1123	194	33	2024	2024	NUM
arjefm-1123	194	34	the	the	DET
arjefm-1123	194	35	chi	chi	ADJ
arjefm-1123	194	36	-	-	PUNCT
arjefm-1123	194	37	square	square	ADJ
arjefm-1123	194	38	analysis	analysis	NOUN
arjefm-1123	194	39	(	(	PUNCT
arjefm-1123	194	40	x2c	x2c	PROPN
arjefm-1123	194	41	<	<	X
arjefm-1123	194	42	x2	x2	PROPN
arjefm-1123	194	43	t	t	PROPN
arjefm-1123	194	44	;	;	PUNCT
arjefm-1123	194	45	α	α	NOUN
arjefm-1123	194	46	=	=	NOUN
arjefm-1123	194	47	0.05	0.05	NUM
arjefm-1123	194	48	)	)	PUNCT
arjefm-1123	194	49	was	be	AUX
arjefm-1123	194	50	observed	observe	VERB
arjefm-1123	194	51	and	and	CCONJ
arjefm-1123	194	52	based	base	VERB
arjefm-1123	194	53	on	on	ADP
arjefm-1123	194	54	the	the	DET
arjefm-1123	194	55	decision	decision	NOUN
arjefm-1123	194	56	rule	rule	NOUN
arjefm-1123	194	57	,	,	PUNCT
arjefm-1123	194	58	microcredits	microcredit	NOUN
arjefm-1123	194	59	has	have	VERB
arjefm-1123	194	60	significant	significant	ADJ
arjefm-1123	194	61	impact	impact	NOUN
arjefm-1123	194	62	on	on	ADP
arjefm-1123	194	63	smes	sme	NOUN
arjefm-1123	194	64	growth	growth	NOUN
arjefm-1123	194	65	.	.	PUNCT
arjefm-1123	195	1	therefore	therefore	ADV
arjefm-1123	195	2	,	,	PUNCT
arjefm-1123	195	3	we	we	PRON
arjefm-1123	195	4	accept	accept	VERB
arjefm-1123	195	5	the	the	DET
arjefm-1123	195	6	alternative	alternative	ADJ
arjefm-1123	195	7	hypothesis	hypothesis	NOUN
arjefm-1123	195	8	and	and	CCONJ
arjefm-1123	195	9	reject	reject	VERB
arjefm-1123	195	10	the	the	DET
arjefm-1123	195	11	null	null	ADJ
arjefm-1123	195	12	hypothesis	hypothesis	NOUN
arjefm-1123	195	13	since	since	SCONJ
arjefm-1123	195	14	the	the	DET
arjefm-1123	195	15	x2	x2	PROPN
arjefm-1123	195	16	calculated	calculate	VERB
arjefm-1123	195	17	value	value	NOUN
arjefm-1123	195	18	(	(	PUNCT
arjefm-1123	195	19	46.91	46.91	NUM
arjefm-1123	195	20	)	)	PUNCT
arjefm-1123	195	21	is	be	AUX
arjefm-1123	195	22	greater	great	ADJ
arjefm-1123	195	23	than	than	ADP
arjefm-1123	195	24	the	the	DET
arjefm-1123	195	25	critical	critical	ADJ
arjefm-1123	195	26	table	table	NOUN
arjefm-1123	195	27	value	value	NOUN
arjefm-1123	195	28	of	of	ADP
arjefm-1123	195	29	11.085	11.085	NUM
arjefm-1123	195	30	.	.	PUNCT
arjefm-1123	196	1	hypothesis	hypothesis	NOUN
arjefm-1123	196	2	two	two	NUM
arjefm-1123	196	3	microfinance	microfinance	NOUN
arjefm-1123	196	4	bank	bank	NOUN
arjefm-1123	196	5	does	do	AUX
arjefm-1123	196	6	not	not	PART
arjefm-1123	196	7	support	support	VERB
arjefm-1123	196	8	the	the	DET
arjefm-1123	196	9	payment	payment	NOUN
arjefm-1123	196	10	services	service	NOUN
arjefm-1123	196	11	of	of	ADP
arjefm-1123	196	12	smes	sme	NOUN
arjefm-1123	196	13	.	.	PUNCT
arjefm-1123	197	1	to	to	PART
arjefm-1123	197	2	test	test	VERB
arjefm-1123	197	3	the	the	DET
arjefm-1123	197	4	hypothesis	hypothesis	NOUN
arjefm-1123	197	5	,	,	PUNCT
arjefm-1123	197	6	the	the	DET
arjefm-1123	197	7	response	response	NOUN
arjefm-1123	197	8	to	to	PART
arjefm-1123	197	9	question	question	VERB
arjefm-1123	197	10	5	5	NUM
arjefm-1123	197	11	-	-	SYM
arjefm-1123	197	12	8	8	NUM
arjefm-1123	197	13	in	in	ADP
arjefm-1123	197	14	the	the	DET
arjefm-1123	197	15	questionnaire	questionnaire	NOUN
arjefm-1123	197	16	as	as	SCONJ
arjefm-1123	197	17	found	find	VERB
arjefm-1123	197	18	in	in	ADP
arjefm-1123	197	19	table	table	NOUN
arjefm-1123	197	20	2	2	NUM
arjefm-1123	197	21	was	be	AUX
arjefm-1123	197	22	used	use	VERB
arjefm-1123	197	23	.	.	PUNCT
arjefm-1123	198	1	the	the	DET
arjefm-1123	198	2	chi	chi	ADJ
arjefm-1123	198	3	-	-	PUNCT
arjefm-1123	198	4	square	square	ADJ
arjefm-1123	198	5	statistical	statistical	ADJ
arjefm-1123	198	6	tool	tool	NOUN
arjefm-1123	198	7	was	be	AUX
arjefm-1123	198	8	used	use	VERB
arjefm-1123	198	9	as	as	SCONJ
arjefm-1123	198	10	shown	show	VERB
arjefm-1123	198	11	below	below	ADP
arjefm-1123	198	12	.	.	PUNCT
arjefm-1123	199	1	table	table	NOUN
arjefm-1123	199	2	5	5	NUM
arjefm-1123	199	3	:	:	PUNCT
arjefm-1123	199	4	chi	chi	ADJ
arjefm-1123	199	5	-	-	PUNCT
arjefm-1123	199	6	square	square	ADJ
arjefm-1123	199	7	computation	computation	NOUN
arjefm-1123	199	8	table	table	NOUN
arjefm-1123	199	9	s	s	PROPN
arjefm-1123	199	10	/	/	SYM
arjefm-1123	199	11	n	n	NOUN
arjefm-1123	199	12	sa	sa	NOUN
arjefm-1123	199	13	a	a	DET
arjefm-1123	199	14	n	n	NOUN
arjefm-1123	199	15	d	d	NOUN
arjefm-1123	199	16	sd	sd	ADP
arjefm-1123	199	17	mean	mean	VERB
arjefm-1123	199	18	(	(	PUNCT
arjefm-1123	199	19	x	x	X
arjefm-1123	199	20	)	)	PUNCT
arjefm-1123	199	21	sd	sd	ADP
arjefm-1123	199	22	df	df	NOUN
arjefm-1123	199	23	x	x	PUNCT
arjefm-1123	199	24	2	2	NUM
arjefm-1123	199	25	c	c	NOUN
arjefm-1123	199	26	a	a	DET
arjefm-1123	199	27	l	l	NOUN
arjefm-1123	199	28	x	x	SYM
arjefm-1123	199	29	2	2	NUM
arjefm-1123	199	30	c	c	NOUN
arjefm-1123	199	31	r	r	NOUN
arjefm-1123	199	32	it	it	PRON
arjefm-1123	199	33	.	.	PUNCT
arjefm-1123	200	1	sig	sig	NOUN
arjefm-1123	200	2	decisi	decisi	VERB
arjefm-1123	200	3	on	on	ADP
arjefm-1123	200	4	5	5	NUM
arjefm-1123	200	5	.	.	NOUN
arjefm-1123	200	6	117	117	NUM
arjefm-1123	200	7	102	102	NUM
arjefm-1123	200	8	36	36	NUM
arjefm-1123	200	9	12	12	NUM
arjefm-1123	200	10	30	30	NUM
arjefm-1123	200	11	3.44	3.44	NUM
arjefm-1123	200	12	1.71	1.71	NUM
arjefm-1123	200	13	9	9	NUM
arjefm-1123	200	14	58.13	58.13	NUM
arjefm-1123	200	15	11.085	11.085	NUM
arjefm-1123	200	16	0.05	0.05	NUM
arjefm-1123	200	17	reject	reject	NOUN
arjefm-1123	200	18	h0	h0	PROPN
arjefm-1123	200	19	6	6	NUM
arjefm-1123	200	20	.	.	PUNCT
arjefm-1123	200	21	63	63	NUM
arjefm-1123	200	22	39	39	NUM
arjefm-1123	200	23	33	33	NUM
arjefm-1123	200	24	138	138	NUM
arjefm-1123	200	25	27	27	NUM
arjefm-1123	200	26	7	7	NUM
arjefm-1123	200	27	.	.	PUNCT
arjefm-1123	200	28	138	138	NUM
arjefm-1123	200	29	63	63	NUM
arjefm-1123	200	30	0	0	NUM
arjefm-1123	200	31	66	66	NUM
arjefm-1123	200	32	33	33	NUM
arjefm-1123	200	33	8	8	NUM
arjefm-1123	200	34	.	.	PUNCT
arjefm-1123	201	1	51	51	NUM
arjefm-1123	201	2	129	129	NUM
arjefm-1123	201	3	27	27	NUM
arjefm-1123	201	4	42	42	NUM
arjefm-1123	201	5	51	51	NUM
arjefm-1123	201	6	source	source	NOUN
arjefm-1123	201	7	:	:	PUNCT
arjefm-1123	201	8	authors	author	NOUN
arjefm-1123	201	9	computation	computation	VERB
arjefm-1123	201	10	,	,	PUNCT
arjefm-1123	201	11	2024	2024	NUM
arjefm-1123	201	12	from	from	ADP
arjefm-1123	201	13	the	the	DET
arjefm-1123	201	14	above	above	NOUN
arjefm-1123	201	15	,	,	PUNCT
arjefm-1123	201	16	the	the	DET
arjefm-1123	201	17	chi	chi	ADJ
arjefm-1123	201	18	-	-	PUNCT
arjefm-1123	201	19	square	square	NOUN
arjefm-1123	201	20	analysis	analysis	NOUN
arjefm-1123	201	21	,	,	PUNCT
arjefm-1123	201	22	(	(	PUNCT
arjefm-1123	201	23	x2c=	x2c=	PROPN
arjefm-1123	201	24	58.13	58.13	NUM
arjefm-1123	201	25	<	<	X
arjefm-1123	201	26	x2t=	x2t=	PROPN
arjefm-1123	201	27	11.085	11.085	NUM
arjefm-1123	201	28	;	;	PUNCT
arjefm-1123	201	29	α	α	NOUN
arjefm-1123	201	30	=	=	NOUN
arjefm-1123	201	31	0.05	0.05	NUM
arjefm-1123	201	32	)	)	PUNCT
arjefm-1123	201	33	was	be	AUX
arjefm-1123	201	34	observed	observe	VERB
arjefm-1123	201	35	and	and	CCONJ
arjefm-1123	201	36	it	it	PRON
arjefm-1123	201	37	was	be	AUX
arjefm-1123	201	38	found	find	VERB
arjefm-1123	201	39	that	that	SCONJ
arjefm-1123	201	40	microfinance	microfinance	NOUN
arjefm-1123	201	41	bank	bank	NOUN
arjefm-1123	201	42	has	have	VERB
arjefm-1123	201	43	significant	significant	ADJ
arjefm-1123	201	44	impact	impact	NOUN
arjefm-1123	201	45	on	on	ADP
arjefm-1123	201	46	payment	payment	NOUN
arjefm-1123	201	47	services	service	NOUN
arjefm-1123	201	48	of	of	ADP
arjefm-1123	201	49	smes	sme	NOUN
arjefm-1123	201	50	.	.	PUNCT
arjefm-1123	202	1	therefore	therefore	ADV
arjefm-1123	202	2	,	,	PUNCT
arjefm-1123	202	3	there	there	PRON
arjefm-1123	202	4	is	be	VERB
arjefm-1123	202	5	relationship	relationship	NOUN
arjefm-1123	202	6	microfinance	microfinance	NOUN
arjefm-1123	202	7	bank	bank	PROPN
arjefm-1123	202	8	and	and	CCONJ
arjefm-1123	202	9	payment	payment	NOUN
arjefm-1123	202	10	services	service	NOUN
arjefm-1123	202	11	of	of	ADP
arjefm-1123	202	12	smes	sme	NOUN
arjefm-1123	202	13	.	.	PUNCT
arjefm-1123	203	1	we	we	PRON
arjefm-1123	203	2	accept	accept	VERB
arjefm-1123	203	3	the	the	DET
arjefm-1123	203	4	alternative	alternative	ADJ
arjefm-1123	203	5	hypothesis	hypothesis	NOUN
arjefm-1123	203	6	and	and	CCONJ
arjefm-1123	203	7	reject	reject	VERB
arjefm-1123	203	8	the	the	DET
arjefm-1123	203	9	null	null	ADJ
arjefm-1123	203	10	hypothesis	hypothesis	NOUN
arjefm-1123	203	11	since	since	SCONJ
arjefm-1123	203	12	the	the	DET
arjefm-1123	203	13	x2	x2	PROPN
arjefm-1123	203	14	calculated	calculate	VERB
arjefm-1123	203	15	value	value	NOUN
arjefm-1123	203	16	(	(	PUNCT
arjefm-1123	203	17	58.13	58.13	NUM
arjefm-1123	203	18	)	)	PUNCT
arjefm-1123	203	19	is	be	AUX
arjefm-1123	203	20	greater	great	ADJ
arjefm-1123	203	21	than	than	ADP
arjefm-1123	203	22	the	the	DET
arjefm-1123	203	23	x2	x2	PROPN
arjefm-1123	203	24	critical	critical	ADJ
arjefm-1123	203	25	value	value	NOUN
arjefm-1123	203	26	(	(	PUNCT
arjefm-1123	203	27	11.085	11.085	NUM
arjefm-1123	203	28	)	)	PUNCT
arjefm-1123	203	29	.	.	PUNCT
arjefm-1123	204	1	hypothesis	hypothesis	NOUN
arjefm-1123	204	2	three	three	NUM
arjefm-1123	204	3	microfinance	microfinance	NOUN
arjefm-1123	204	4	bank	bank	NOUN
arjefm-1123	204	5	does	do	AUX
arjefm-1123	204	6	not	not	PART
arjefm-1123	204	7	have	have	VERB
arjefm-1123	204	8	significant	significant	ADJ
arjefm-1123	204	9	relationship	relationship	NOUN
arjefm-1123	204	10	with	with	ADP
arjefm-1123	204	11	savings	saving	NOUN
arjefm-1123	204	12	culture	culture	NOUN
arjefm-1123	204	13	of	of	ADP
arjefm-1123	204	14	smes	sme	NOUN
arjefm-1123	204	15	to	to	PART
arjefm-1123	204	16	test	test	VERB
arjefm-1123	204	17	the	the	DET
arjefm-1123	204	18	hypothesis	hypothesis	NOUN
arjefm-1123	204	19	,	,	PUNCT
arjefm-1123	204	20	the	the	DET
arjefm-1123	204	21	response	response	NOUN
arjefm-1123	204	22	to	to	PART
arjefm-1123	204	23	question	question	VERB
arjefm-1123	204	24	9	9	NUM
arjefm-1123	204	25	-	-	SYM
arjefm-1123	204	26	12	12	NUM
arjefm-1123	204	27	in	in	ADP
arjefm-1123	204	28	the	the	DET
arjefm-1123	204	29	questionnaire	questionnaire	NOUN
arjefm-1123	204	30	as	as	SCONJ
arjefm-1123	204	31	found	find	VERB
arjefm-1123	204	32	in	in	ADP
arjefm-1123	204	33	table	table	NOUN
arjefm-1123	204	34	3	3	NUM
arjefm-1123	204	35	was	be	AUX
arjefm-1123	204	36	used	use	VERB
arjefm-1123	204	37	.	.	PUNCT
arjefm-1123	205	1	the	the	DET
arjefm-1123	205	2	chi	chi	ADJ
arjefm-1123	205	3	-	-	PUNCT
arjefm-1123	205	4	square	square	ADJ
arjefm-1123	205	5	statistical	statistical	ADJ
arjefm-1123	205	6	tool	tool	NOUN
arjefm-1123	205	7	was	be	AUX
arjefm-1123	205	8	used	use	VERB
arjefm-1123	205	9	as	as	SCONJ
arjefm-1123	205	10	shown	show	VERB
arjefm-1123	205	11	below	below	ADP
arjefm-1123	205	12	.	.	PUNCT
arjefm-1123	206	1	table	table	NOUN
arjefm-1123	206	2	6	6	NUM
arjefm-1123	206	3	:	:	PUNCT
arjefm-1123	206	4	chi	chi	ADJ
arjefm-1123	206	5	-	-	PUNCT
arjefm-1123	206	6	square	square	ADJ
arjefm-1123	206	7	computation	computation	NOUN
arjefm-1123	206	8	table	table	NOUN
arjefm-1123	206	9	s	s	PROPN
arjefm-1123	206	10	/	/	SYM
arjefm-1123	206	11	n	n	NOUN
arjefm-1123	206	12	sa	sa	NOUN
arjefm-1123	206	13	a	a	DET
arjefm-1123	206	14	n	n	NOUN
arjefm-1123	206	15	d	d	NOUN
arjefm-1123	206	16	sd	sd	ADP
arjefm-1123	207	1	mean	mean	VERB
arjefm-1123	207	2	(	(	PUNCT
arjefm-1123	207	3	x	x	X
arjefm-1123	207	4	)	)	PUNCT
arjefm-1123	207	5	sd	sd	ADP
arjefm-1123	207	6	df	df	NOUN
arjefm-1123	207	7	x	x	PUNCT
arjefm-1123	207	8	2	2	NUM
arjefm-1123	207	9	c	c	NOUN
arjefm-1123	207	10	a	a	DET
arjefm-1123	207	11	l	l	NOUN
arjefm-1123	207	12	x	x	SYM
arjefm-1123	207	13	2	2	NUM
arjefm-1123	207	14	c	c	NOUN
arjefm-1123	207	15	r	r	NOUN
arjefm-1123	207	16	it	it	PRON
arjefm-1123	207	17	.	.	PUNCT
arjefm-1123	208	1	sig	sig	NOUN
arjefm-1123	208	2	decisi	decisi	VERB
arjefm-1123	208	3	on	on	ADP
arjefm-1123	208	4	9	9	NUM
arjefm-1123	208	5	39	39	NUM
arjefm-1123	208	6	48	48	NUM
arjefm-1123	208	7	150	150	NUM
arjefm-1123	208	8	48	48	NUM
arjefm-1123	208	9	18	18	NUM
arjefm-1123	208	10	3.09	3.09	NUM
arjefm-1123	208	11	1.52	1.52	NUM
arjefm-1123	208	12	9	9	NUM
arjefm-1123	208	13	9.56	9.56	NUM
arjefm-1123	208	14	11.085	11.085	NUM
arjefm-1123	208	15	0.05	0.05	NUM
arjefm-1123	208	16	accept	accept	VERB
arjefm-1123	208	17	h0	h0	PROPN
arjefm-1123	208	18	10	10	NUM
arjefm-1123	208	19	57	57	NUM
arjefm-1123	208	20	12	12	NUM
arjefm-1123	208	21	63	63	NUM
arjefm-1123	208	22	126	126	NUM
arjefm-1123	208	23	39	39	NUM
arjefm-1123	208	24	11	11	NUM
arjefm-1123	208	25	33	33	NUM
arjefm-1123	208	26	63	63	NUM
arjefm-1123	208	27	63	63	NUM
arjefm-1123	208	28	138	138	NUM
arjefm-1123	208	29	66	66	NUM
arjefm-1123	208	30	12	12	NUM
arjefm-1123	208	31	126	126	NUM
arjefm-1123	208	32	0	0	NUM
arjefm-1123	208	33	90	90	NUM
arjefm-1123	208	34	63	63	NUM
arjefm-1123	208	35	21	21	NUM
arjefm-1123	208	36	mailto:contact@americaserial.com	mailto:contact@americaserial.com	NOUN
arjefm-1123	208	37	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	209	1	american	american	PROPN
arjefm-1123	209	2	research	research	PROPN
arjefm-1123	209	3	journal	journal	PROPN
arjefm-1123	209	4	of	of	ADP
arjefm-1123	209	5	economics	economic	NOUN
arjefm-1123	209	6	,	,	PUNCT
arjefm-1123	209	7	finance	finance	NOUN
arjefm-1123	209	8	and	and	CCONJ
arjefm-1123	209	9	management	management	NOUN
arjefm-1123	209	10	volume	volume	NOUN
arjefm-1123	209	11	12	12	NUM
arjefm-1123	209	12	issue	issue	NOUN
arjefm-1123	209	13	4	4	NUM
arjefm-1123	209	14	,	,	PUNCT
arjefm-1123	209	15	october	october	PROPN
arjefm-1123	209	16	-	-	PUNCT
arjefm-1123	209	17	december	december	PROPN
arjefm-1123	209	18	2024	2024	NUM
arjefm-1123	209	19	issn	issn	NOUN
arjefm-1123	209	20	:	:	PUNCT
arjefm-1123	209	21	2836	2836	NUM
arjefm-1123	209	22	-	-	SYM
arjefm-1123	209	23	9416	9416	NUM
arjefm-1123	209	24	impact	impact	NOUN
arjefm-1123	209	25	factor	factor	NOUN
arjefm-1123	209	26	:	:	PUNCT
arjefm-1123	209	27	5.57	5.57	NUM
arjefm-1123	209	28	journal	journal	NOUN
arjefm-1123	209	29	homepage	homepage	NOUN
arjefm-1123	209	30	:	:	PUNCT
arjefm-1123	209	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	209	32	,	,	PUNCT
arjefm-1123	209	33	email	email	NOUN
arjefm-1123	209	34	:	:	PUNCT
arjefm-1123	209	35	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	209	36	official	official	ADJ
arjefm-1123	209	37	journal	journal	PROPN
arjefm-1123	209	38	of	of	ADP
arjefm-1123	209	39	america	america	PROPN
arjefm-1123	209	40	serial	serial	PROPN
arjefm-1123	209	41	publication	publication	NOUN
arjefm-1123	209	42	american	american	PROPN
arjefm-1123	209	43	research	research	PROPN
arjefm-1123	209	44	journal	journal	PROPN
arjefm-1123	209	45	of	of	ADP
arjefm-1123	209	46	economics	economic	NOUN
arjefm-1123	209	47	,	,	PUNCT
arjefm-1123	209	48	finance	finance	NOUN
arjefm-1123	209	49	and	and	CCONJ
arjefm-1123	209	50	management	management	NOUN
arjefm-1123	209	51	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	209	52	,	,	PUNCT
arjefm-1123	209	53	email	email	NOUN
arjefm-1123	209	54	:	:	PUNCT
arjefm-1123	209	55	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	210	1	12	12	NUM
arjefm-1123	211	1	|	|	ADV
arjefm-1123	211	2	p	p	X
arjefm-1123	211	3	a	a	DET
arjefm-1123	211	4	g	g	NOUN
arjefm-1123	211	5	e	e	NOUN
arjefm-1123	211	6	source	source	NOUN
arjefm-1123	211	7	:	:	PUNCT
arjefm-1123	211	8	authors	author	NOUN
arjefm-1123	211	9	computation	computation	VERB
arjefm-1123	211	10	,	,	PUNCT
arjefm-1123	211	11	2024	2024	NUM
arjefm-1123	211	12	the	the	DET
arjefm-1123	211	13	chi	chi	ADJ
arjefm-1123	211	14	-	-	PUNCT
arjefm-1123	211	15	square	square	NOUN
arjefm-1123	211	16	analysis	analysis	NOUN
arjefm-1123	211	17	,	,	PUNCT
arjefm-1123	211	18	(	(	PUNCT
arjefm-1123	211	19	x2c=	x2c=	PROPN
arjefm-1123	211	20	9.56	9.56	NUM
arjefm-1123	211	21	<	<	X
arjefm-1123	211	22	x2	x2	PROPN
arjefm-1123	211	23	t	t	PROPN
arjefm-1123	211	24	;	;	PUNCT
arjefm-1123	211	25	=	=	SYM
arjefm-1123	211	26	11.085	11.085	NUM
arjefm-1123	211	27	;	;	PUNCT
arjefm-1123	211	28	α	α	NOUN
arjefm-1123	211	29	=	=	NOUN
arjefm-1123	211	30	0.05	0.05	NUM
arjefm-1123	211	31	)	)	PUNCT
arjefm-1123	211	32	was	be	AUX
arjefm-1123	211	33	observed	observe	VERB
arjefm-1123	211	34	and	and	CCONJ
arjefm-1123	211	35	based	base	VERB
arjefm-1123	211	36	on	on	ADP
arjefm-1123	211	37	the	the	DET
arjefm-1123	211	38	result	result	NOUN
arjefm-1123	211	39	,	,	PUNCT
arjefm-1123	211	40	there	there	PRON
arjefm-1123	211	41	is	be	VERB
arjefm-1123	211	42	no	no	DET
arjefm-1123	211	43	significant	significant	ADJ
arjefm-1123	211	44	relationship	relationship	NOUN
arjefm-1123	211	45	between	between	ADP
arjefm-1123	211	46	microfinance	microfinance	NOUN
arjefm-1123	211	47	banks	bank	NOUN
arjefm-1123	211	48	and	and	CCONJ
arjefm-1123	211	49	savings	saving	NOUN
arjefm-1123	211	50	culture	culture	NOUN
arjefm-1123	211	51	of	of	ADP
arjefm-1123	211	52	smes	sme	NOUN
arjefm-1123	211	53	.	.	PUNCT
arjefm-1123	212	1	it	it	PRON
arjefm-1123	212	2	could	could	AUX
arjefm-1123	212	3	be	be	AUX
arjefm-1123	212	4	deduced	deduce	VERB
arjefm-1123	212	5	that	that	SCONJ
arjefm-1123	212	6	microfinance	microfinance	NOUN
arjefm-1123	212	7	banks	bank	NOUN
arjefm-1123	212	8	does	do	AUX
arjefm-1123	212	9	not	not	PART
arjefm-1123	212	10	have	have	VERB
arjefm-1123	212	11	significant	significant	ADJ
arjefm-1123	212	12	impact	impact	NOUN
arjefm-1123	212	13	on	on	ADP
arjefm-1123	212	14	smes	smes	PROPN
arjefm-1123	212	15	savings	saving	NOUN
arjefm-1123	212	16	culture	culture	NOUN
arjefm-1123	212	17	.	.	PUNCT
arjefm-1123	213	1	therefore	therefore	ADV
arjefm-1123	213	2	,	,	PUNCT
arjefm-1123	213	3	we	we	PRON
arjefm-1123	213	4	accept	accept	VERB
arjefm-1123	213	5	the	the	DET
arjefm-1123	213	6	null	null	ADJ
arjefm-1123	213	7	hypothesis	hypothesis	NOUN
arjefm-1123	213	8	and	and	CCONJ
arjefm-1123	213	9	reject	reject	VERB
arjefm-1123	213	10	the	the	DET
arjefm-1123	213	11	alternate	alternate	ADJ
arjefm-1123	213	12	hypothesis	hypothesis	NOUN
arjefm-1123	213	13	since	since	SCONJ
arjefm-1123	213	14	the	the	DET
arjefm-1123	213	15	x2	x2	PROPN
arjefm-1123	213	16	calculated	calculate	VERB
arjefm-1123	213	17	value	value	NOUN
arjefm-1123	213	18	(	(	PUNCT
arjefm-1123	213	19	9.56	9.56	NUM
arjefm-1123	213	20	)	)	PUNCT
arjefm-1123	213	21	is	be	AUX
arjefm-1123	213	22	less	less	ADJ
arjefm-1123	213	23	than	than	ADP
arjefm-1123	213	24	the	the	DET
arjefm-1123	213	25	x2	x2	PROPN
arjefm-1123	213	26	critical	critical	ADJ
arjefm-1123	213	27	value	value	NOUN
arjefm-1123	213	28	(	(	PUNCT
arjefm-1123	213	29	11.085	11.085	NUM
arjefm-1123	213	30	)	)	PUNCT
arjefm-1123	213	31	.	.	PUNCT
arjefm-1123	214	1	summary	summary	NOUN
arjefm-1123	214	2	and	and	CCONJ
arjefm-1123	214	3	conclusion	conclusion	NOUN
arjefm-1123	214	4	this	this	DET
arjefm-1123	214	5	study	study	NOUN
arjefm-1123	214	6	looked	look	VERB
arjefm-1123	214	7	how	how	SCONJ
arjefm-1123	214	8	microfinance	microfinance	NOUN
arjefm-1123	214	9	bank	bank	NOUN
arjefm-1123	214	10	acts	act	VERB
arjefm-1123	214	11	as	as	ADP
arjefm-1123	214	12	an	an	DET
arjefm-1123	214	13	instrument	instrument	NOUN
arjefm-1123	214	14	of	of	ADP
arjefm-1123	214	15	growth	growth	NOUN
arjefm-1123	214	16	of	of	ADP
arjefm-1123	214	17	smes	sme	NOUN
arjefm-1123	214	18	in	in	ADP
arjefm-1123	214	19	nigeria	nigeria	PROPN
arjefm-1123	214	20	.	.	PUNCT
arjefm-1123	215	1	it	it	PRON
arjefm-1123	215	2	explored	explore	VERB
arjefm-1123	215	3	various	various	ADJ
arjefm-1123	215	4	ways	way	NOUN
arjefm-1123	215	5	in	in	ADP
arjefm-1123	215	6	which	which	PRON
arjefm-1123	215	7	access	access	NOUN
arjefm-1123	215	8	to	to	ADP
arjefm-1123	215	9	credit	credit	NOUN
arjefm-1123	215	10	has	have	AUX
arjefm-1123	215	11	assisted	assist	VERB
arjefm-1123	215	12	small	small	ADJ
arjefm-1123	215	13	and	and	CCONJ
arjefm-1123	215	14	medium	medium	ADJ
arjefm-1123	215	15	scale	scale	NOUN
arjefm-1123	215	16	enterprises	enterprise	NOUN
arjefm-1123	215	17	in	in	ADP
arjefm-1123	215	18	achieving	achieve	VERB
arjefm-1123	215	19	their	their	PRON
arjefm-1123	215	20	growth	growth	NOUN
arjefm-1123	215	21	strategy	strategy	NOUN
arjefm-1123	215	22	.	.	PUNCT
arjefm-1123	216	1	the	the	DET
arjefm-1123	216	2	objectives	objective	NOUN
arjefm-1123	216	3	of	of	ADP
arjefm-1123	216	4	the	the	DET
arjefm-1123	216	5	study	study	NOUN
arjefm-1123	216	6	focused	focus	VERB
arjefm-1123	216	7	on	on	ADP
arjefm-1123	216	8	how	how	SCONJ
arjefm-1123	216	9	microcredits	microcredit	NOUN
arjefm-1123	216	10	has	have	AUX
arjefm-1123	216	11	assisted	assist	VERB
arjefm-1123	216	12	smes	sme	NOUN
arjefm-1123	216	13	in	in	ADP
arjefm-1123	216	14	the	the	DET
arjefm-1123	216	15	area	area	NOUN
arjefm-1123	216	16	of	of	ADP
arjefm-1123	216	17	payment	payment	NOUN
arjefm-1123	216	18	services	service	NOUN
arjefm-1123	216	19	,	,	PUNCT
arjefm-1123	216	20	access	access	NOUN
arjefm-1123	216	21	to	to	ADP
arjefm-1123	216	22	microcredits	microcredit	NOUN
arjefm-1123	216	23	and	and	CCONJ
arjefm-1123	216	24	acting	act	VERB
arjefm-1123	216	25	as	as	ADP
arjefm-1123	216	26	a	a	DET
arjefm-1123	216	27	reservoir	reservoir	NOUN
arjefm-1123	216	28	for	for	ADP
arjefm-1123	216	29	surplus	surplus	ADJ
arjefm-1123	216	30	funds	fund	NOUN
arjefm-1123	216	31	for	for	ADP
arjefm-1123	216	32	smes	sme	NOUN
arjefm-1123	216	33	.	.	PUNCT
arjefm-1123	217	1	at	at	ADP
arjefm-1123	217	2	the	the	DET
arjefm-1123	217	3	end	end	NOUN
arjefm-1123	217	4	of	of	ADP
arjefm-1123	217	5	the	the	DET
arjefm-1123	217	6	investigation	investigation	NOUN
arjefm-1123	217	7	and	and	CCONJ
arjefm-1123	217	8	based	base	VERB
arjefm-1123	217	9	on	on	ADP
arjefm-1123	217	10	the	the	DET
arjefm-1123	217	11	test	test	NOUN
arjefm-1123	217	12	of	of	ADP
arjefm-1123	217	13	hypothesis	hypothesis	NOUN
arjefm-1123	217	14	,	,	PUNCT
arjefm-1123	217	15	the	the	DET
arjefm-1123	217	16	following	follow	VERB
arjefm-1123	217	17	were	be	AUX
arjefm-1123	217	18	discovered	discover	VERB
arjefm-1123	217	19	;	;	PUNCT
arjefm-1123	217	20			ADJ
arjefm-1123	217	21	microcredits	microcredit	NOUN
arjefm-1123	217	22	granted	grant	VERB
arjefm-1123	217	23	to	to	ADP
arjefm-1123	217	24	smes	sme	NOUN
arjefm-1123	217	25	by	by	ADP
arjefm-1123	217	26	microfinance	microfinance	NOUN
arjefm-1123	217	27	banks	bank	NOUN
arjefm-1123	217	28	has	have	AUX
arjefm-1123	217	29	significantly	significantly	ADV
arjefm-1123	217	30	impacted	impact	VERB
arjefm-1123	217	31	on	on	ADP
arjefm-1123	217	32	growth	growth	NOUN
arjefm-1123	217	33	of	of	ADP
arjefm-1123	217	34	smes	sme	NOUN
arjefm-1123	217	35	.	.	PUNCT
arjefm-1123	218	1			VERB
arjefm-1123	218	2	microfinance	microfinance	NOUN
arjefm-1123	218	3	banks	bank	NOUN
arjefm-1123	218	4	has	have	AUX
arjefm-1123	218	5	positively	positively	ADV
arjefm-1123	218	6	impacted	impact	VERB
arjefm-1123	218	7	on	on	ADP
arjefm-1123	218	8	payment	payment	NOUN
arjefm-1123	218	9	services	service	NOUN
arjefm-1123	218	10	of	of	ADP
arjefm-1123	218	11	smes	sme	NOUN
arjefm-1123	218	12			VERB
arjefm-1123	218	13	microfinance	microfinance	NOUN
arjefm-1123	218	14	banks	bank	NOUN
arjefm-1123	218	15	has	have	AUX
arjefm-1123	218	16	not	not	PART
arjefm-1123	218	17	significantly	significantly	ADV
arjefm-1123	218	18	improved	improve	VERB
arjefm-1123	218	19	the	the	DET
arjefm-1123	218	20	savings	saving	NOUN
arjefm-1123	218	21	mobilization	mobilization	NOUN
arjefm-1123	218	22	for	for	ADP
arjefm-1123	218	23	smes	sme	NOUN
arjefm-1123	218	24	.	.	PUNCT
arjefm-1123	219	1	we	we	PRON
arjefm-1123	219	2	therefor	therefor	VERB
arjefm-1123	219	3	conclude	conclude	VERB
arjefm-1123	219	4	that	that	PRON
arjefm-1123	219	5	microcredits	microcredit	NOUN
arjefm-1123	219	6	being	be	AUX
arjefm-1123	219	7	made	make	VERB
arjefm-1123	219	8	available	available	ADJ
arjefm-1123	219	9	to	to	ADP
arjefm-1123	219	10	smes	sme	NOUN
arjefm-1123	219	11	through	through	ADP
arjefm-1123	219	12	microfinance	microfinance	NOUN
arjefm-1123	219	13	banks	bank	NOUN
arjefm-1123	219	14	and	and	CCONJ
arjefm-1123	219	15	other	other	ADJ
arjefm-1123	219	16	channels	channel	NOUN
arjefm-1123	219	17	has	have	AUX
arjefm-1123	219	18	greatly	greatly	ADV
arjefm-1123	219	19	and	and	CCONJ
arjefm-1123	219	20	positively	positively	ADV
arjefm-1123	219	21	influenced	influence	VERB
arjefm-1123	219	22	the	the	DET
arjefm-1123	219	23	operations	operation	NOUN
arjefm-1123	219	24	of	of	ADP
arjefm-1123	219	25	that	that	DET
arjefm-1123	219	26	sector	sector	NOUN
arjefm-1123	219	27	of	of	ADP
arjefm-1123	219	28	the	the	DET
arjefm-1123	219	29	economy	economy	NOUN
arjefm-1123	219	30	.	.	PUNCT
arjefm-1123	220	1	smes	sme	NOUN
arjefm-1123	220	2	in	in	ADP
arjefm-1123	220	3	turn	turn	NOUN
arjefm-1123	220	4	has	have	AUX
arjefm-1123	220	5	also	also	ADV
arjefm-1123	220	6	contributed	contribute	VERB
arjefm-1123	220	7	significantly	significantly	ADV
arjefm-1123	220	8	to	to	ADP
arjefm-1123	220	9	the	the	DET
arjefm-1123	220	10	growth	growth	NOUN
arjefm-1123	220	11	of	of	ADP
arjefm-1123	220	12	the	the	DET
arjefm-1123	220	13	economy	economy	NOUN
arjefm-1123	220	14	of	of	ADP
arjefm-1123	220	15	our	our	PRON
arjefm-1123	220	16	country	country	NOUN
arjefm-1123	220	17	through	through	ADP
arjefm-1123	220	18	its	its	PRON
arjefm-1123	220	19	contribution	contribution	NOUN
arjefm-1123	220	20	to	to	ADP
arjefm-1123	220	21	gdp	gdp	NOUN
arjefm-1123	220	22	growth	growth	NOUN
arjefm-1123	220	23	.	.	PUNCT
arjefm-1123	221	1	recommendations	recommendation	NOUN
arjefm-1123	221	2	based	base	VERB
arjefm-1123	221	3	on	on	ADP
arjefm-1123	221	4	the	the	DET
arjefm-1123	221	5	outcome	outcome	NOUN
arjefm-1123	221	6	of	of	ADP
arjefm-1123	221	7	the	the	DET
arjefm-1123	221	8	findings	finding	NOUN
arjefm-1123	221	9	,	,	PUNCT
arjefm-1123	221	10	the	the	DET
arjefm-1123	221	11	following	follow	VERB
arjefm-1123	221	12	recommendations	recommendation	NOUN
arjefm-1123	221	13	were	be	AUX
arjefm-1123	221	14	made	make	VERB
arjefm-1123	221	15	;	;	PUNCT
arjefm-1123	221	16	1	1	X
arjefm-1123	221	17	.	.	X
arjefm-1123	221	18	there	there	PRON
arjefm-1123	221	19	should	should	AUX
arjefm-1123	221	20	be	be	AUX
arjefm-1123	221	21	more	more	ADV
arjefm-1123	221	22	enlightenment	enlightenment	ADJ
arjefm-1123	221	23	campaign	campaign	NOUN
arjefm-1123	221	24	on	on	ADP
arjefm-1123	221	25	sme	sme	PROPN
arjefm-1123	221	26	operators	operator	NOUN
arjefm-1123	221	27	to	to	PART
arjefm-1123	221	28	enable	enable	VERB
arjefm-1123	221	29	them	they	PRON
arjefm-1123	221	30	develop	develop	VERB
arjefm-1123	221	31	savings	saving	NOUN
arjefm-1123	221	32	culture	culture	NOUN
arjefm-1123	221	33	.	.	PUNCT
arjefm-1123	222	1	on	on	ADP
arjefm-1123	222	2	their	their	PRON
arjefm-1123	222	3	part	part	NOUN
arjefm-1123	222	4	microfinance	microfinance	NOUN
arjefm-1123	222	5	banks	bank	NOUN
arjefm-1123	222	6	should	should	AUX
arjefm-1123	222	7	make	make	VERB
arjefm-1123	222	8	savings	saving	NOUN
arjefm-1123	222	9	attractive	attractive	ADJ
arjefm-1123	222	10	by	by	ADP
arjefm-1123	222	11	giving	give	VERB
arjefm-1123	222	12	an	an	DET
arjefm-1123	222	13	interest	interest	NOUN
arjefm-1123	222	14	rate	rate	NOUN
arjefm-1123	222	15	that	that	PRON
arjefm-1123	222	16	will	will	AUX
arjefm-1123	222	17	be	be	AUX
arjefm-1123	222	18	competitive	competitive	ADJ
arjefm-1123	222	19	to	to	ADP
arjefm-1123	222	20	commercial	commercial	ADJ
arjefm-1123	222	21	banks	bank	NOUN
arjefm-1123	222	22	.	.	PUNCT
arjefm-1123	223	1	2	2	X
arjefm-1123	223	2	.	.	X
arjefm-1123	223	3	government	government	NOUN
arjefm-1123	223	4	should	should	AUX
arjefm-1123	223	5	also	also	ADV
arjefm-1123	223	6	create	create	VERB
arjefm-1123	223	7	enabling	enable	VERB
arjefm-1123	223	8	environment	environment	NOUN
arjefm-1123	223	9	for	for	ADP
arjefm-1123	223	10	microfinance	microfinance	NOUN
arjefm-1123	223	11	banks	bank	NOUN
arjefm-1123	223	12	to	to	PART
arjefm-1123	223	13	operate	operate	VERB
arjefm-1123	223	14	by	by	ADP
arjefm-1123	223	15	liberalizing	liberalize	VERB
arjefm-1123	223	16	its	its	PRON
arjefm-1123	223	17	operation	operation	NOUN
arjefm-1123	223	18	for	for	ADP
arjefm-1123	223	19	greater	great	ADJ
arjefm-1123	223	20	efficiency	efficiency	NOUN
arjefm-1123	223	21	.	.	PUNCT
arjefm-1123	224	1	3	3	X
arjefm-1123	224	2	.	.	X
arjefm-1123	224	3	access	access	NOUN
arjefm-1123	224	4	to	to	ADP
arjefm-1123	224	5	credit	credit	NOUN
arjefm-1123	224	6	should	should	AUX
arjefm-1123	224	7	not	not	PART
arjefm-1123	224	8	be	be	AUX
arjefm-1123	224	9	made	make	VERB
arjefm-1123	224	10	stringent	stringent	ADJ
arjefm-1123	224	11	to	to	ADP
arjefm-1123	224	12	smes	sme	NOUN
arjefm-1123	224	13	to	to	PART
arjefm-1123	224	14	enable	enable	VERB
arjefm-1123	224	15	them	they	PRON
arjefm-1123	224	16	access	access	VERB
arjefm-1123	224	17	the	the	DET
arjefm-1123	224	18	necessary	necessary	ADJ
arjefm-1123	224	19	funds	fund	NOUN
arjefm-1123	224	20	for	for	ADP
arjefm-1123	224	21	their	their	PRON
arjefm-1123	224	22	operation	operation	NOUN
arjefm-1123	224	23	.	.	PUNCT
arjefm-1123	225	1	in	in	ADP
arjefm-1123	225	2	this	this	DET
arjefm-1123	225	3	line	line	NOUN
arjefm-1123	225	4	,	,	PUNCT
arjefm-1123	225	5	government	government	NOUN
arjefm-1123	225	6	through	through	ADP
arjefm-1123	225	7	cbn	cbn	PROPN
arjefm-1123	225	8	should	should	AUX
arjefm-1123	225	9	guarantee	guarantee	VERB
arjefm-1123	225	10	to	to	ADP
arjefm-1123	225	11	some	some	DET
arjefm-1123	225	12	extent	extent	NOUN
arjefm-1123	225	13	credit	credit	NOUN
arjefm-1123	225	14	extended	extend	VERB
arjefm-1123	225	15	to	to	ADP
arjefm-1123	225	16	sme	sme	NOUN
arjefm-1123	225	17	sector	sector	NOUN
arjefm-1123	225	18	.	.	PUNCT
arjefm-1123	226	1	references	reference	NOUN
arjefm-1123	226	2	abe	abe	PROPN
arjefm-1123	226	3	,	,	PUNCT
arjefm-1123	226	4	s.i	s.i	PROPN
arjefm-1123	226	5	.	.	PROPN
arjefm-1123	226	6	(	(	PUNCT
arjefm-1123	226	7	2011	2011	NUM
arjefm-1123	226	8	)	)	PUNCT
arjefm-1123	226	9	.	.	PUNCT
arjefm-1123	227	1	“	"	PUNCT
arjefm-1123	227	2	nigerian	nigerian	ADJ
arjefm-1123	227	3	farmers	farmer	NOUN
arjefm-1123	227	4	and	and	CCONJ
arjefm-1123	227	5	their	their	PRON
arjefm-1123	227	6	financial	financial	ADJ
arjefm-1123	227	7	problems	problem	NOUN
arjefm-1123	227	8	.	.	PUNCT
arjefm-1123	227	9	”	"	PUNCT
arjefm-1123	227	10	agricultural	agricultural	ADJ
arjefm-1123	227	11	credit	credit	NOUN
arjefm-1123	227	12	and	and	CCONJ
arjefm-1123	227	13	financing	financing	NOUN
arjefm-1123	227	14	in	in	ADP
arjefm-1123	227	15	nigeria	nigeria	PROPN
arjefm-1123	227	16	:	:	PUNCT
arjefm-1123	227	17	problems	problem	NOUN
arjefm-1123	227	18	and	and	CCONJ
arjefm-1123	227	19	prospects	prospect	NOUN
arjefm-1123	227	20	.	.	PUNCT
arjefm-1123	228	1	cbn	cbn	PROPN
arjefm-1123	228	2	seminar	seminar	NOUN
arjefm-1123	228	3	.	.	PUNCT
arjefm-1123	229	1	ademola	ademola	PROPN
arjefm-1123	229	2	,	,	PUNCT
arjefm-1123	229	3	a.e	a.e	PROPN
arjefm-1123	229	4	.	.	PROPN
arjefm-1123	229	5	&	&	CCONJ
arjefm-1123	229	6	arogundade	arogundade	PROPN
arjefm-1123	229	7	,	,	PUNCT
arjefm-1123	229	8	k.	k.	PROPN
arjefm-1123	229	9	(	(	PUNCT
arjefm-1123	229	10	2014	2014	NUM
arjefm-1123	229	11	)	)	PUNCT
arjefm-1123	229	12	.	.	PUNCT
arjefm-1123	230	1	the	the	DET
arjefm-1123	230	2	impact	impact	NOUN
arjefm-1123	230	3	of	of	ADP
arjefm-1123	230	4	microfinance	microfinance	NOUN
arjefm-1123	230	5	on	on	ADP
arjefm-1123	230	6	economic	economic	ADJ
arjefm-1123	230	7	growth	growth	NOUN
arjefm-1123	230	8	in	in	ADP
arjefm-1123	230	9	nigeria	nigeria	PROPN
arjefm-1123	230	10	.	.	PUNCT
arjefm-1123	231	1	journal	journal	PROPN
arjefm-1123	231	2	of	of	ADP
arjefm-1123	231	3	entrepreneurial	entrepreneurial	ADJ
arjefm-1123	231	4	trends	trend	NOUN
arjefm-1123	231	5	and	and	CCONJ
arjefm-1123	231	6	economic	economic	ADJ
arjefm-1123	231	7	management,5(5	management,5(5	PROPN
arjefm-1123	231	8	)	)	PUNCT
arjefm-1123	231	9	,	,	PUNCT
arjefm-1123	231	10	397	397	NUM
arjefm-1123	231	11	-	-	SYM
arjefm-1123	231	12	405	405	NUM
arjefm-1123	231	13	.	.	PUNCT
arjefm-1123	232	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1123	232	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	233	1	american	american	PROPN
arjefm-1123	233	2	research	research	PROPN
arjefm-1123	233	3	journal	journal	PROPN
arjefm-1123	233	4	of	of	ADP
arjefm-1123	233	5	economics	economic	NOUN
arjefm-1123	233	6	,	,	PUNCT
arjefm-1123	233	7	finance	finance	NOUN
arjefm-1123	233	8	and	and	CCONJ
arjefm-1123	233	9	management	management	NOUN
arjefm-1123	233	10	volume	volume	NOUN
arjefm-1123	233	11	12	12	NUM
arjefm-1123	233	12	issue	issue	NOUN
arjefm-1123	233	13	4	4	NUM
arjefm-1123	233	14	,	,	PUNCT
arjefm-1123	233	15	october	october	PROPN
arjefm-1123	233	16	-	-	PUNCT
arjefm-1123	233	17	december	december	PROPN
arjefm-1123	233	18	2024	2024	NUM
arjefm-1123	233	19	issn	issn	NOUN
arjefm-1123	233	20	:	:	PUNCT
arjefm-1123	233	21	2836	2836	NUM
arjefm-1123	233	22	-	-	SYM
arjefm-1123	233	23	9416	9416	NUM
arjefm-1123	233	24	impact	impact	NOUN
arjefm-1123	233	25	factor	factor	NOUN
arjefm-1123	233	26	:	:	PUNCT
arjefm-1123	233	27	5.57	5.57	NUM
arjefm-1123	233	28	journal	journal	NOUN
arjefm-1123	233	29	homepage	homepage	NOUN
arjefm-1123	233	30	:	:	PUNCT
arjefm-1123	233	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	233	32	,	,	PUNCT
arjefm-1123	233	33	email	email	NOUN
arjefm-1123	233	34	:	:	PUNCT
arjefm-1123	233	35	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	233	36	official	official	ADJ
arjefm-1123	233	37	journal	journal	PROPN
arjefm-1123	233	38	of	of	ADP
arjefm-1123	233	39	america	america	PROPN
arjefm-1123	233	40	serial	serial	PROPN
arjefm-1123	233	41	publication	publication	NOUN
arjefm-1123	233	42	american	american	PROPN
arjefm-1123	233	43	research	research	PROPN
arjefm-1123	233	44	journal	journal	PROPN
arjefm-1123	233	45	of	of	ADP
arjefm-1123	233	46	economics	economic	NOUN
arjefm-1123	233	47	,	,	PUNCT
arjefm-1123	233	48	finance	finance	NOUN
arjefm-1123	233	49	and	and	CCONJ
arjefm-1123	233	50	management	management	NOUN
arjefm-1123	233	51	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	233	52	,	,	PUNCT
arjefm-1123	233	53	email	email	NOUN
arjefm-1123	233	54	:	:	PUNCT
arjefm-1123	233	55	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	233	56	13	13	NUM
arjefm-1123	234	1	|	|	ADV
arjefm-1123	234	2	p	p	X
arjefm-1123	234	3	a	a	DET
arjefm-1123	234	4	g	g	PROPN
arjefm-1123	234	5	e	e	PROPN
arjefm-1123	234	6	akinboyo	akinboyo	PROPN
arjefm-1123	234	7	o.l	o.l	PROPN
arjefm-1123	234	8	(	(	PUNCT
arjefm-1123	234	9	2007	2007	NUM
arjefm-1123	234	10	):	):	PUNCT
arjefm-1123	234	11	microfinance	microfinance	NOUN
arjefm-1123	234	12	banks	bank	NOUN
arjefm-1123	234	13	:	:	PUNCT
arjefm-1123	234	14	unblocking	unblock	VERB
arjefm-1123	234	15	the	the	DET
arjefm-1123	234	16	potentials	potential	NOUN
arjefm-1123	234	17	of	of	ADP
arjefm-1123	234	18	micro	micro	ADJ
arjefm-1123	234	19	-	-	NOUN
arjefm-1123	234	20	business	business	ADJ
arjefm-1123	234	21	activities	activity	NOUN
arjefm-1123	234	22	of	of	ADP
arjefm-1123	234	23	the	the	DET
arjefm-1123	234	24	nigerian	nigerian	ADJ
arjefm-1123	234	25	economy	economy	NOUN
arjefm-1123	234	26	.	.	PUNCT
arjefm-1123	235	1	bullion	bullion	NOUN
arjefm-1123	235	2	publication	publication	NOUN
arjefm-1123	235	3	of	of	ADP
arjefm-1123	235	4	the	the	DET
arjefm-1123	235	5	central	central	ADJ
arjefm-1123	235	6	bank	bank	PROPN
arjefm-1123	235	7	of	of	ADP
arjefm-1123	235	8	nigeria	nigeria	PROPN
arjefm-1123	235	9	.	.	PUNCT
arjefm-1123	236	1	13(.1	13(.1	NUM
arjefm-1123	236	2	)	)	PUNCT
arjefm-1123	236	3	.	.	PUNCT
arjefm-1123	237	1	ajagba	ajagba	PROPN
arjefm-1123	237	2	,	,	PUNCT
arjefm-1123	237	3	t.s	t.s	PROPN
arjefm-1123	237	4	.	.	PROPN
arjefm-1123	237	5	&	&	CCONJ
arjefm-1123	237	6	bolaji	bolaji	PROPN
arjefm-1123	237	7	,	,	PUNCT
arjefm-1123	237	8	b.o	b.o	PROPN
arjefm-1123	237	9	.	.	PROPN
arjefm-1123	237	10	(	(	PUNCT
arjefm-1123	237	11	2013	2013	NUM
arjefm-1123	237	12	)	)	PUNCT
arjefm-1123	237	13	.	.	PUNCT
arjefm-1123	238	1	socioeconomic	socioeconomic	ADJ
arjefm-1123	238	2	impact	impact	NOUN
arjefm-1123	238	3	of	of	ADP
arjefm-1123	238	4	microfinance	microfinance	NOUN
arjefm-1123	238	5	bank	bank	NOUN
arjefm-1123	238	6	on	on	ADP
arjefm-1123	238	7	the	the	DET
arjefm-1123	238	8	standard	standard	NOUN
arjefm-1123	238	9	of	of	ADP
arjefm-1123	238	10	living	living	NOUN
arjefm-1123	238	11	of	of	ADP
arjefm-1123	238	12	commercial	commercial	ADJ
arjefm-1123	238	13	motor	motor	NOUN
arjefm-1123	238	14	cycle	cycle	NOUN
arjefm-1123	238	15	riders	rider	NOUN
arjefm-1123	238	16	in	in	ADP
arjefm-1123	238	17	ilorin	ilorin	PROPN
arjefm-1123	238	18	west	west	PROPN
arjefm-1123	238	19	lga	lga	PROPN
arjefm-1123	238	20	of	of	ADP
arjefm-1123	238	21	kwara	kwara	PROPN
arjefm-1123	238	22	state	state	PROPN
arjefm-1123	238	23	,	,	PUNCT
arjefm-1123	238	24	nigeria	nigeria	PROPN
arjefm-1123	238	25	.	.	PUNCT
arjefm-1123	239	1	journal	journal	PROPN
arjefm-1123	239	2	of	of	ADP
arjefm-1123	239	3	business	business	NOUN
arjefm-1123	239	4	management	management	NOUN
arjefm-1123	239	5	,	,	PUNCT
arjefm-1123	239	6	1(4	1(4	NUM
arjefm-1123	239	7	)	)	PUNCT
arjefm-1123	239	8	,	,	PUNCT
arjefm-1123	239	9	69	69	NUM
arjefm-1123	239	10	-	-	SYM
arjefm-1123	239	11	82	82	NUM
arjefm-1123	239	12	.	.	PUNCT
arjefm-1123	240	1	anyanwu	anyanwu	PROPN
arjefm-1123	240	2	,	,	PUNCT
arjefm-1123	240	3	c.m	c.m	PROPN
arjefm-1123	240	4	.	.	PROPN
arjefm-1123	240	5	(	(	PUNCT
arjefm-1123	240	6	2004	2004	NUM
arjefm-1123	240	7	)	)	PUNCT
arjefm-1123	240	8	.	.	PUNCT
arjefm-1123	241	1	microfinance	microfinance	NOUN
arjefm-1123	241	2	institutions	institution	NOUN
arjefm-1123	241	3	in	in	ADP
arjefm-1123	241	4	nigeria	nigeria	PROPN
arjefm-1123	241	5	:	:	PUNCT
arjefm-1123	241	6	policy	policy	NOUN
arjefm-1123	241	7	,	,	PUNCT
arjefm-1123	241	8	practice	practice	NOUN
arjefm-1123	241	9	and	and	CCONJ
arjefm-1123	241	10	potential	potential	ADJ
arjefm-1123	241	11	.	.	PUNCT
arjefm-1123	242	1	journal	journal	NOUN
arjefm-1123	242	2	of	of	ADP
arjefm-1123	242	3	risk	risk	NOUN
arjefm-1123	242	4	and	and	CCONJ
arjefm-1123	242	5	uncertainty	uncertainty	NOUN
arjefm-1123	242	6	,	,	PUNCT
arjefm-1123	242	7	19	19	NUM
arjefm-1123	242	8	,	,	PUNCT
arjefm-1123	242	9	7	7	NUM
arjefm-1123	242	10	-	-	SYM
arjefm-1123	242	11	42	42	NUM
arjefm-1123	242	12	.	.	PUNCT
arjefm-1123	243	1	asian	asian	PROPN
arjefm-1123	243	2	development	development	PROPN
arjefm-1123	243	3	bank	bank	PROPN
arjefm-1123	243	4	(	(	PUNCT
arjefm-1123	243	5	2000	2000	NUM
arjefm-1123	243	6	)	)	PUNCT
arjefm-1123	243	7	.	.	PUNCT
arjefm-1123	244	1	finance	finance	NOUN
arjefm-1123	244	2	for	for	ADP
arjefm-1123	244	3	the	the	DET
arjefm-1123	244	4	poor	poor	ADJ
arjefm-1123	244	5	:	:	PUNCT
arjefm-1123	244	6	micro	micro	PROPN
arjefm-1123	244	7	finance	finance	PROPN
arjefm-1123	244	8	development	development	PROPN
arjefm-1123	244	9	strategy.adb	strategy.adb	NOUN
arjefm-1123	244	10	,	,	PUNCT
arjefm-1123	244	11	manila	manila	PROPN
arjefm-1123	244	12	.	.	PUNCT
arjefm-1123	245	1	babjide	babjide	PROPN
arjefm-1123	245	2	,	,	PUNCT
arjefm-1123	245	3	a.	a.	NOUN
arjefm-1123	245	4	(	(	PUNCT
arjefm-1123	245	5	2012	2012	NUM
arjefm-1123	245	6	)	)	PUNCT
arjefm-1123	245	7	.	.	PUNCT
arjefm-1123	246	1	impact	impact	NOUN
arjefm-1123	246	2	analysis	analysis	NOUN
arjefm-1123	246	3	of	of	ADP
arjefm-1123	246	4	microfinance	microfinance	NOUN
arjefm-1123	246	5	banks	bank	NOUN
arjefm-1123	246	6	in	in	ADP
arjefm-1123	246	7	nigeria	nigeria	PROPN
arjefm-1123	246	8	.	.	PUNCT
arjefm-1123	247	1	international	international	ADJ
arjefm-1123	247	2	journal	journal	PROPN
arjefm-1123	247	3	of	of	ADP
arjefm-1123	247	4	economics	economic	NOUN
arjefm-1123	247	5	and	and	CCONJ
arjefm-1123	247	6	finance	finance	NOUN
arjefm-1123	247	7	,	,	PUNCT
arjefm-1123	247	8	3(4	3(4	NUM
arjefm-1123	247	9	)	)	PUNCT
arjefm-1123	247	10	,	,	PUNCT
arjefm-1123	247	11	217–223	217–223	NUM
arjefm-1123	247	12	.	.	PUNCT
arjefm-1123	248	1	berger	berger	PROPN
arjefm-1123	248	2	,	,	PUNCT
arjefm-1123	248	3	m.	m.	NOUN
arjefm-1123	248	4	(	(	PUNCT
arjefm-1123	248	5	2012	2012	NUM
arjefm-1123	248	6	)	)	PUNCT
arjefm-1123	248	7	.	.	PUNCT
arjefm-1123	249	1	microfinance	microfinance	NOUN
arjefm-1123	249	2	and	and	CCONJ
arjefm-1123	249	3	emerging	emerge	VERB
arjefm-1123	249	4	markets	market	NOUN
arjefm-1123	249	5	.	.	PUNCT
arjefm-1123	250	1	inter	inter	PROPN
arjefm-1123	250	2	-	-	PROPN
arjefm-1123	250	3	america	america	PROPN
arjefm-1123	250	4	development	development	PROPN
arjefm-1123	250	5	bank	bank	PROPN
arjefm-1123	250	6	.	.	PUNCT
arjefm-1123	251	1	chude	chude	PROPN
arjefm-1123	251	2	,	,	PUNCT
arjefm-1123	251	3	n.p	n.p	PROPN
arjefm-1123	251	4	.	.	PROPN
arjefm-1123	251	5	&	&	CCONJ
arjefm-1123	251	6	chude	chude	PROPN
arjefm-1123	251	7	,	,	PUNCT
arjefm-1123	251	8	d.i	d.i	PROPN
arjefm-1123	251	9	.	.	PROPN
arjefm-1123	252	1	(	(	PUNCT
arjefm-1123	252	2	2013	2013	NUM
arjefm-1123	252	3	)	)	PUNCT
arjefm-1123	252	4	.	.	PUNCT
arjefm-1123	253	1	impact	impact	NOUN
arjefm-1123	253	2	of	of	ADP
arjefm-1123	253	3	government	government	NOUN
arjefm-1123	253	4	expenditure	expenditure	NOUN
arjefm-1123	253	5	on	on	ADP
arjefm-1123	253	6	economic	economic	ADJ
arjefm-1123	253	7	growth	growth	NOUN
arjefm-1123	253	8	in	in	ADP
arjefm-1123	253	9	nigeria	nigeria	PROPN
arjefm-1123	253	10	.	.	PUNCT
arjefm-1123	254	1	international	international	ADJ
arjefm-1123	254	2	journal	journal	PROPN
arjefm-1123	254	3	of	of	ADP
arjefm-1123	254	4	business	business	NOUN
arjefm-1123	254	5	and	and	CCONJ
arjefm-1123	254	6	management	management	NOUN
arjefm-1123	254	7	review	review	NOUN
arjefm-1123	254	8	,	,	PUNCT
arjefm-1123	254	9	1(4	1(4	NUM
arjefm-1123	254	10	)	)	PUNCT
arjefm-1123	254	11	,	,	PUNCT
arjefm-1123	254	12	64	64	NUM
arjefm-1123	254	13	-	-	SYM
arjefm-1123	254	14	71	71	NUM
arjefm-1123	254	15	.	.	PUNCT
arjefm-1123	255	1	central	central	ADJ
arjefm-1123	255	2	bank	bank	PROPN
arjefm-1123	255	3	of	of	ADP
arjefm-1123	255	4	nigeria	nigeria	PROPN
arjefm-1123	255	5	(	(	PUNCT
arjefm-1123	255	6	cbn	cbn	PROPN
arjefm-1123	255	7	)	)	PUNCT
arjefm-1123	255	8	statistical	statistical	ADJ
arjefm-1123	255	9	bulletin	bulletin	NOUN
arjefm-1123	255	10	(	(	PUNCT
arjefm-1123	255	11	2013	2013	NUM
arjefm-1123	255	12	)	)	PUNCT
arjefm-1123	255	13	.	.	PUNCT
arjefm-1123	256	1	central	central	PROPN
arjefm-1123	256	2	bank	bank	PROPN
arjefm-1123	256	3	of	of	ADP
arjefm-1123	256	4	nigeria	nigeria	PROPN
arjefm-1123	256	5	(	(	PUNCT
arjefm-1123	256	6	2005b	2005b	NUM
arjefm-1123	256	7	)	)	PUNCT
arjefm-1123	256	8	.	.	PUNCT
arjefm-1123	257	1	microfinance	microfinance	NOUN
arjefm-1123	257	2	policy	policy	NOUN
arjefm-1123	257	3	,	,	PUNCT
arjefm-1123	257	4	regulatory	regulatory	ADJ
arjefm-1123	257	5	and	and	CCONJ
arjefm-1123	257	6	supervisory	supervisory	ADJ
arjefm-1123	257	7	frameworkfor	frameworkfor	NOUN
arjefm-1123	257	8	nigeria.abuja	nigeria.abuja	PROPN
arjefm-1123	257	9	;	;	PUNCT
arjefm-1123	257	10	nigeria	nigeria	PROPN
arjefm-1123	257	11	:	:	PUNCT
arjefm-1123	257	12	cbn	cbn	PROPN
arjefm-1123	257	13	.	.	PUNCT
arjefm-1123	257	14	dauda	dauda	PROPN
arjefm-1123	257	15	,	,	PUNCT
arjefm-1123	257	16	r.o.s	r.o.s	NOUN
arjefm-1123	257	17	.	.	PUNCT
arjefm-1123	257	18	(	(	PUNCT
arjefm-1123	257	19	2007	2007	NUM
arjefm-1123	257	20	)	)	PUNCT
arjefm-1123	257	21	.	.	PUNCT
arjefm-1123	258	1	the	the	DET
arjefm-1123	258	2	role	role	NOUN
arjefm-1123	258	3	of	of	ADP
arjefm-1123	258	4	community	community	NOUN
arjefm-1123	258	5	banking	banking	NOUN
arjefm-1123	258	6	system	system	NOUN
arjefm-1123	258	7	in	in	ADP
arjefm-1123	258	8	nigeria	nigeria	PROPN
arjefm-1123	258	9	’s	’s	PART
arjefm-1123	258	10	development	development	NOUN
arjefm-1123	258	11	process	process	NOUN
arjefm-1123	258	12	:	:	PUNCT
arjefm-1123	258	13	an	an	DET
arjefm-1123	258	14	appraisal	appraisal	NOUN
arjefm-1123	258	15	.	.	PUNCT
arjefm-1123	258	16	journal	journal	NOUN
arjefm-1123	258	17	of	of	ADP
arjefm-1123	258	18	banking	banking	NOUN
arjefm-1123	258	19	,	,	PUNCT
arjefm-1123	258	20	2(1	2(1	NUM
arjefm-1123	258	21	)	)	PUNCT
arjefm-1123	258	22	,	,	PUNCT
arjefm-1123	258	23	82	82	NUM
arjefm-1123	258	24	-	-	SYM
arjefm-1123	258	25	103	103	NUM
arjefm-1123	258	26	.	.	PUNCT
arjefm-1123	258	27	ehigiamusoe	ehigiamusoe	PROPN
arjefm-1123	258	28	g.	g.	PROPN
arjefm-1123	258	29	(	(	PUNCT
arjefm-1123	258	30	2008	2008	NUM
arjefm-1123	258	31	):	):	PUNCT
arjefm-1123	258	32	the	the	DET
arjefm-1123	258	33	role	role	NOUN
arjefm-1123	258	34	of	of	ADP
arjefm-1123	258	35	microfinance	microfinance	NOUN
arjefm-1123	258	36	institutions	institution	NOUN
arjefm-1123	258	37	in	in	ADP
arjefm-1123	258	38	the	the	DET
arjefm-1123	258	39	economic	economic	ADJ
arjefm-1123	258	40	development	development	NOUN
arjefm-1123	258	41	of	of	ADP
arjefm-1123	258	42	nigeria	nigeria	PROPN
arjefm-1123	258	43	.	.	PUNCT
arjefm-1123	259	1	bullion	bullion	NOUN
arjefm-1123	259	2	publication	publication	NOUN
arjefm-1123	259	3	of	of	ADP
arjefm-1123	259	4	the	the	DET
arjefm-1123	259	5	central	central	ADJ
arjefm-1123	259	6	bank	bank	PROPN
arjefm-1123	259	7	of	of	ADP
arjefm-1123	259	8	nigeria	nigeria	PROPN
arjefm-1123	259	9	32	32	NUM
arjefm-1123	259	10	(	(	PUNCT
arjefm-1123	259	11	1	1	NUM
arjefm-1123	259	12	)	)	PUNCT
arjefm-1123	259	13	eke	eke	ADJ
arjefm-1123	259	14	r.i	r.i	PROPN
arjefm-1123	259	15	&	&	CCONJ
arjefm-1123	259	16	idogun	idogun	PROPN
arjefm-1123	259	17	j	j	PROPN
arjefm-1123	259	18	(	(	PUNCT
arjefm-1123	259	19	2022	2022	NUM
arjefm-1123	259	20	)	)	PUNCT
arjefm-1123	259	21	microcredit	microcredit	NOUN
arjefm-1123	259	22	availability	availability	NOUN
arjefm-1123	259	23	as	as	ADP
arjefm-1123	259	24	a	a	DET
arjefm-1123	259	25	catalyst	catalyst	NOUN
arjefm-1123	259	26	for	for	ADP
arjefm-1123	259	27	small	small	ADJ
arjefm-1123	259	28	and	and	CCONJ
arjefm-1123	259	29	medium	medium	ADJ
arjefm-1123	259	30	enterprise	enterprise	NOUN
arjefm-1123	259	31	growth	growth	NOUN
arjefm-1123	259	32	in	in	ADP
arjefm-1123	259	33	nigeria	nigeria	PROPN
arjefm-1123	259	34	.	.	PUNCT
arjefm-1123	260	1	international	international	ADJ
arjefm-1123	260	2	journal	journal	PROPN
arjefm-1123	260	3	of	of	ADP
arjefm-1123	260	4	research	research	NOUN
arjefm-1123	260	5	and	and	CCONJ
arjefm-1123	260	6	innovation	innovation	NOUN
arjefm-1123	260	7	in	in	ADP
arjefm-1123	260	8	social	social	ADJ
arjefm-1123	260	9	science	science	NOUN
arjefm-1123	260	10	6(11	6(11	NUM
arjefm-1123	260	11	)	)	PUNCT
arjefm-1123	260	12	690	690	NUM
arjefm-1123	260	13	-	-	SYM
arjefm-1123	260	14	697	697	NUM
arjefm-1123	260	15	.	.	PUNCT
arjefm-1123	261	1	griffith	griffith	PROPN
arjefm-1123	261	2	,	,	PUNCT
arjefm-1123	261	3	r.	r.	PROPN
arjefm-1123	261	4	,	,	PUNCT
arjefm-1123	261	5	waithe	waithe	PROPN
arjefm-1123	261	6	,	,	PUNCT
arjefm-1123	261	7	k.	k.	PROPN
arjefm-1123	261	8	,	,	PUNCT
arjefm-1123	261	9	lorde	lorde	PROPN
arjefm-1123	261	10	,	,	PUNCT
arjefm-1123	261	11	t.	t.	PROPN
arjefm-1123	261	12	&	&	CCONJ
arjefm-1123	261	13	craigwell	craigwell	PROPN
arjefm-1123	261	14	,	,	PUNCT
arjefm-1123	261	15	r.	r.	PROPN
arjefm-1123	261	16	(	(	PUNCT
arjefm-1123	261	17	2019	2019	NUM
arjefm-1123	261	18	)	)	PUNCT
arjefm-1123	261	19	.	.	PUNCT
arjefm-1123	262	1	the	the	DET
arjefm-1123	262	2	contribution	contribution	NOUN
arjefm-1123	262	3	of	of	ADP
arjefm-1123	262	4	credit	credit	NOUN
arjefm-1123	262	5	union	union	NOUN
arjefm-1123	262	6	to	to	ADP
arjefm-1123	262	7	the	the	DET
arjefm-1123	262	8	national	national	ADJ
arjefm-1123	262	9	development	development	NOUN
arjefm-1123	262	10	of	of	ADP
arjefm-1123	262	11	barbados	barbado	NOUN
arjefm-1123	262	12	.	.	PUNCT
arjefm-1123	263	1	journal	journal	NOUN
arjefm-1123	263	2	of	of	ADP
arjefm-1123	263	3	public	public	ADJ
arjefm-1123	263	4	policy	policy	NOUN
arjefm-1123	263	5	analysis	analysis	NOUN
arjefm-1123	263	6	,	,	PUNCT
arjefm-1123	263	7	(	(	PUNCT
arjefm-1123	263	8	3	3	NUM
arjefm-1123	263	9	)	)	PUNCT
arjefm-1123	263	10	.	.	PUNCT
arjefm-1123	264	1	hulme	hulme	PROPN
arjefm-1123	264	2	,	,	PUNCT
arjefm-1123	264	3	d.	d.	PROPN
arjefm-1123	264	4	&	&	CCONJ
arjefm-1123	264	5	mosley	mosley	PROPN
arjefm-1123	264	6	,	,	PUNCT
arjefm-1123	264	7	p.	p.	NOUN
arjefm-1123	264	8	(	(	PUNCT
arjefm-1123	264	9	2016	2016	NUM
arjefm-1123	264	10	)	)	PUNCT
arjefm-1123	264	11	.	.	PUNCT
arjefm-1123	265	1	finance	finance	NOUN
arjefm-1123	265	2	against	against	ADP
arjefm-1123	265	3	poverty	poverty	NOUN
arjefm-1123	265	4	,	,	PUNCT
arjefm-1123	265	5	volume	volume	NOUN
arjefm-1123	265	6	1.london	1.london	NUM
arjefm-1123	265	7	;	;	PUNCT
arjefm-1123	265	8	new	new	PROPN
arjefm-1123	265	9	york	york	PROPN
arjefm-1123	265	10	:	:	PUNCT
arjefm-1123	265	11	routledge	routledge	PROPN
arjefm-1123	265	12	.	.	PUNCT
arjefm-1123	266	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	266	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	267	1	american	american	PROPN
arjefm-1123	267	2	research	research	PROPN
arjefm-1123	267	3	journal	journal	PROPN
arjefm-1123	267	4	of	of	ADP
arjefm-1123	267	5	economics	economic	NOUN
arjefm-1123	267	6	,	,	PUNCT
arjefm-1123	267	7	finance	finance	NOUN
arjefm-1123	267	8	and	and	CCONJ
arjefm-1123	267	9	management	management	NOUN
arjefm-1123	267	10	volume	volume	NOUN
arjefm-1123	267	11	12	12	NUM
arjefm-1123	267	12	issue	issue	NOUN
arjefm-1123	267	13	4	4	NUM
arjefm-1123	267	14	,	,	PUNCT
arjefm-1123	267	15	october	october	PROPN
arjefm-1123	267	16	-	-	PUNCT
arjefm-1123	267	17	december	december	PROPN
arjefm-1123	267	18	2024	2024	NUM
arjefm-1123	267	19	issn	issn	NOUN
arjefm-1123	267	20	:	:	PUNCT
arjefm-1123	267	21	2836	2836	NUM
arjefm-1123	267	22	-	-	SYM
arjefm-1123	267	23	9416	9416	NUM
arjefm-1123	267	24	impact	impact	NOUN
arjefm-1123	267	25	factor	factor	NOUN
arjefm-1123	267	26	:	:	PUNCT
arjefm-1123	267	27	5.57	5.57	NUM
arjefm-1123	267	28	journal	journal	NOUN
arjefm-1123	267	29	homepage	homepage	NOUN
arjefm-1123	267	30	:	:	PUNCT
arjefm-1123	267	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	267	32	,	,	PUNCT
arjefm-1123	267	33	email	email	NOUN
arjefm-1123	267	34	:	:	PUNCT
arjefm-1123	267	35	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	267	36	official	official	ADJ
arjefm-1123	267	37	journal	journal	PROPN
arjefm-1123	267	38	of	of	ADP
arjefm-1123	267	39	america	america	PROPN
arjefm-1123	267	40	serial	serial	PROPN
arjefm-1123	267	41	publication	publication	NOUN
arjefm-1123	267	42	american	american	PROPN
arjefm-1123	267	43	research	research	PROPN
arjefm-1123	267	44	journal	journal	PROPN
arjefm-1123	267	45	of	of	ADP
arjefm-1123	267	46	economics	economic	NOUN
arjefm-1123	267	47	,	,	PUNCT
arjefm-1123	267	48	finance	finance	NOUN
arjefm-1123	267	49	and	and	CCONJ
arjefm-1123	267	50	management	management	NOUN
arjefm-1123	267	51	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	267	52	,	,	PUNCT
arjefm-1123	267	53	email	email	NOUN
arjefm-1123	267	54	:	:	PUNCT
arjefm-1123	267	55	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	268	1	14	14	NUM
arjefm-1123	269	1	|	|	ADV
arjefm-1123	269	2	p	p	X
arjefm-1123	269	3	a	a	DET
arjefm-1123	269	4	g	g	PROPN
arjefm-1123	269	5	e	e	PROPN
arjefm-1123	269	6	hulme	hulme	PROPN
arjefm-1123	269	7	,	,	PUNCT
arjefm-1123	269	8	d.	d.	PROPN
arjefm-1123	269	9	(	(	PUNCT
arjefm-1123	269	10	2011	2011	NUM
arjefm-1123	269	11	)	)	PUNCT
arjefm-1123	269	12	.	.	PUNCT
arjefm-1123	270	1	impact	impact	NOUN
arjefm-1123	270	2	assessment	assessment	NOUN
arjefm-1123	270	3	methodologies	methodology	NOUN
arjefm-1123	270	4	for	for	ADP
arjefm-1123	270	5	microfinance	microfinance	NOUN
arjefm-1123	270	6	:	:	PUNCT
arjefm-1123	271	1	theory	theory	NOUN
arjefm-1123	271	2	,	,	PUNCT
arjefm-1123	271	3	experience	experience	NOUN
arjefm-1123	271	4	and	and	CCONJ
arjefm-1123	271	5	better	well	ADJ
arjefm-1123	271	6	practice	practice	NOUN
arjefm-1123	271	7	.	.	PUNCT
arjefm-1123	272	1	world	world	NOUN
arjefm-1123	272	2	develop	develop	VERB
arjefm-1123	272	3	.	.	PUNCT
arjefm-1123	273	1	28(1	28(1	NOUN
arjefm-1123	273	2	)	)	PUNCT
arjefm-1123	273	3	,	,	PUNCT
arjefm-1123	273	4	2	2	X
arjefm-1123	273	5	.	.	X
arjefm-1123	273	6	ifeoma	ifeoma	NOUN
arjefm-1123	273	7	,	,	PUNCT
arjefm-1123	273	8	n.	n.	PROPN
arjefm-1123	273	9	(	(	PUNCT
arjefm-1123	273	10	2016	2016	NUM
arjefm-1123	273	11	)	)	PUNCT
arjefm-1123	273	12	.	.	PUNCT
arjefm-1123	274	1	“	"	PUNCT
arjefm-1123	274	2	the	the	DET
arjefm-1123	274	3	role	role	NOUN
arjefm-1123	274	4	of	of	ADP
arjefm-1123	274	5	commercial	commercial	ADJ
arjefm-1123	274	6	banks	bank	NOUN
arjefm-1123	274	7	in	in	ADP
arjefm-1123	274	8	financing	finance	VERB
arjefm-1123	274	9	agriculture	agriculture	NOUN
arjefm-1123	274	10	”	"	PUNCT
arjefm-1123	274	11	.	.	PUNCT
arjefm-1123	275	1	an	an	DET
arjefm-1123	275	2	undergraduate	undergraduate	ADJ
arjefm-1123	275	3	dissertation	dissertation	NOUN
arjefm-1123	275	4	,	,	PUNCT
arjefm-1123	275	5	department	department	NOUN
arjefm-1123	275	6	of	of	ADP
arjefm-1123	275	7	agricultural	agricultural	ADJ
arjefm-1123	275	8	economics	economic	NOUN
arjefm-1123	275	9	and	and	CCONJ
arjefm-1123	275	10	extension	extension	NOUN
arjefm-1123	275	11	.	.	PUNCT
arjefm-1123	276	1	federal	federal	ADJ
arjefm-1123	276	2	university	university	PROPN
arjefm-1123	276	3	of	of	ADP
arjefm-1123	276	4	technology	technology	PROPN
arjefm-1123	276	5	yola	yola	PROPN
arjefm-1123	276	6	,	,	PUNCT
arjefm-1123	276	7	nigeria	nigeria	PROPN
arjefm-1123	276	8	.	.	PUNCT
arjefm-1123	277	1	kasim	kasim	PROPN
arjefm-1123	277	2	,	,	PUNCT
arjefm-1123	277	3	m.y	m.y	PROPN
arjefm-1123	277	4	.	.	PROPN
arjefm-1123	277	5	&	&	CCONJ
arjefm-1123	277	6	jayasooria	jayasooria	PROPN
arjefm-1123	277	7	,	,	PUNCT
arjefm-1123	277	8	d.	d.	PROPN
arjefm-1123	277	9	(	(	PUNCT
arjefm-1123	277	10	2001	2001	NUM
arjefm-1123	277	11	)	)	PUNCT
arjefm-1123	277	12	.	.	PUNCT
arjefm-1123	278	1	informal	informal	ADJ
arjefm-1123	278	2	economy	economy	NOUN
arjefm-1123	278	3	,	,	PUNCT
arjefm-1123	278	4	micro	micro	NOUN
arjefm-1123	278	5	-	-	NOUN
arjefm-1123	278	6	finance	finance	ADJ
arjefm-1123	278	7	and	and	CCONJ
arjefm-1123	278	8	non	non	ADJ
arjefm-1123	278	9	-	-	ADJ
arjefm-1123	278	10	governmental	governmental	ADJ
arjefm-1123	278	11	organizations	organization	NOUN
arjefm-1123	278	12	in	in	ADP
arjefm-1123	278	13	malaysia	malaysia	PROPN
arjefm-1123	278	14	.	.	PUNCT
arjefm-1123	279	1	humanomics	humanomic	NOUN
arjefm-1123	279	2	,	,	PUNCT
arjefm-1123	279	3	17(1/2	17(1/2	NUM
arjefm-1123	279	4	)	)	PUNCT
arjefm-1123	279	5	,	,	PUNCT
arjefm-1123	279	6	134	134	NUM
arjefm-1123	279	7	-	-	SYM
arjefm-1123	279	8	140	140	NUM
arjefm-1123	279	9	.	.	PUNCT
arjefm-1123	279	10	khandker	khandker	NOUN
arjefm-1123	279	11	,	,	PUNCT
arjefm-1123	279	12	s.r	s.r	PROPN
arjefm-1123	279	13	.	.	PROPN
arjefm-1123	279	14	(	(	PUNCT
arjefm-1123	279	15	2013	2013	NUM
arjefm-1123	279	16	)	)	PUNCT
arjefm-1123	279	17	.	.	PUNCT
arjefm-1123	280	1	fighting	fight	VERB
arjefm-1123	280	2	poverty	poverty	NOUN
arjefm-1123	280	3	with	with	ADP
arjefm-1123	280	4	microcredit	microcredit	NOUN
arjefm-1123	280	5	:	:	PUNCT
arjefm-1123	280	6	experience	experience	NOUN
arjefm-1123	280	7	in	in	ADP
arjefm-1123	280	8	bangladesh	bangladesh	PROPN
arjefm-1123	280	9	.	.	PUNCT
arjefm-1123	281	1	new	new	PROPN
arjefm-1123	281	2	york	york	PROPN
arjefm-1123	281	3	:	:	PUNCT
arjefm-1123	281	4	oxford	oxford	PROPN
arjefm-1123	281	5	university	university	PROPN
arjefm-1123	281	6	press	press	NOUN
arjefm-1123	281	7	.	.	PUNCT
arjefm-1123	282	1	ledgerwood	ledgerwood	PROPN
arjefm-1123	282	2	,	,	PUNCT
arjefm-1123	282	3	j.	j.	PROPN
arjefm-1123	282	4	(	(	PUNCT
arjefm-1123	282	5	2000	2000	NUM
arjefm-1123	282	6	)	)	PUNCT
arjefm-1123	282	7	.	.	PUNCT
arjefm-1123	283	1	microfinance	microfinance	NOUN
arjefm-1123	283	2	handbook	handbook	PROPN
arjefm-1123	283	3	:	:	PUNCT
arjefm-1123	283	4	an	an	DET
arjefm-1123	283	5	institutional	institutional	ADJ
arjefm-1123	283	6	and	and	CCONJ
arjefm-1123	283	7	financial	financial	ADJ
arjefm-1123	283	8	perspective.usa	perspective.usa	NOUN
arjefm-1123	283	9	:	:	PUNCT
arjefm-1123	283	10	ibrd	ibrd	NOUN
arjefm-1123	283	11	olowe	olowe	PROPN
arjefm-1123	283	12	,	,	PUNCT
arjefm-1123	283	13	f.t	f.t	PROPN
arjefm-1123	283	14	.	.	PROPN
arjefm-1123	283	15	,	,	PUNCT
arjefm-1123	283	16	moradeyo	moradeyo	PROPN
arjefm-1123	283	17	,	,	PUNCT
arjefm-1123	283	18	o.a	o.a	PROPN
arjefm-1123	283	19	.	.	PROPN
arjefm-1123	283	20	&	&	CCONJ
arjefm-1123	283	21	babalola	babalola	PROPN
arjefm-1123	283	22	,	,	PUNCT
arjefm-1123	283	23	o.a	o.a	PROPN
arjefm-1123	283	24	.	.	PROPN
arjefm-1123	283	25	(	(	PUNCT
arjefm-1123	283	26	2013	2013	NUM
arjefm-1123	283	27	)	)	PUNCT
arjefm-1123	283	28	.	.	PUNCT
arjefm-1123	284	1	empirical	empirical	ADJ
arjefm-1123	284	2	study	study	NOUN
arjefm-1123	284	3	of	of	ADP
arjefm-1123	284	4	the	the	DET
arjefm-1123	284	5	impact	impact	NOUN
arjefm-1123	284	6	of	of	ADP
arjefm-1123	284	7	microfinance	microfinance	NOUN
arjefm-1123	284	8	banks	bank	NOUN
arjefm-1123	284	9	on	on	ADP
arjefm-1123	284	10	small	small	ADJ
arjefm-1123	284	11	and	and	CCONJ
arjefm-1123	284	12	medium	medium	ADJ
arjefm-1123	284	13	enterprise	enterprise	NOUN
arjefm-1123	284	14	growth	growth	NOUN
arjefm-1123	284	15	in	in	ADP
arjefm-1123	284	16	nigeria	nigeria	PROPN
arjefm-1123	284	17	.	.	PUNCT
arjefm-1123	285	1	international	international	ADJ
arjefm-1123	285	2	journal	journal	PROPN
arjefm-1123	285	3	of	of	ADP
arjefm-1123	285	4	academic	academic	ADJ
arjefm-1123	285	5	research	research	NOUN
arjefm-1123	285	6	in	in	ADP
arjefm-1123	285	7	economics	economic	NOUN
arjefm-1123	285	8	and	and	CCONJ
arjefm-1123	285	9	management	management	NOUN
arjefm-1123	285	10	sciences	science	NOUN
arjefm-1123	285	11	,	,	PUNCT
arjefm-1123	285	12	2(6	2(6	NUM
arjefm-1123	285	13	)	)	PUNCT
arjefm-1123	285	14	,	,	PUNCT
arjefm-1123	285	15	116	116	NUM
arjefm-1123	285	16	-	-	SYM
arjefm-1123	285	17	124	124	NUM
arjefm-1123	285	18	.	.	PUNCT
arjefm-1123	286	1	ogunleye	ogunleye	PROPN
arjefm-1123	286	2	,	,	PUNCT
arjefm-1123	286	3	a.g	a.g	PROPN
arjefm-1123	286	4	.	.	PROPN
arjefm-1123	286	5	&	&	CCONJ
arjefm-1123	286	6	akanbi	akanbi	PROPN
arjefm-1123	286	7	,	,	PUNCT
arjefm-1123	286	8	b.e	b.e	PROPN
arjefm-1123	286	9	.	.	PROPN
arjefm-1123	286	10	(	(	PUNCT
arjefm-1123	286	11	2014	2014	NUM
arjefm-1123	286	12	)	)	PUNCT
arjefm-1123	286	13	.	.	PUNCT
arjefm-1123	287	1	are	be	AUX
arjefm-1123	287	2	microfinance	microfinance	NOUN
arjefm-1123	287	3	banks	bank	NOUN
arjefm-1123	287	4	important	important	ADJ
arjefm-1123	287	5	in	in	ADP
arjefm-1123	287	6	deposit	deposit	NOUN
arjefm-1123	287	7	mobilization	mobilization	NOUN
arjefm-1123	287	8	in	in	ADP
arjefm-1123	287	9	nigeria	nigeria	PROPN
arjefm-1123	287	10	?	?	PUNCT
arjefm-1123	288	1	research	research	NOUN
arjefm-1123	288	2	journal	journal	PROPN
arjefm-1123	288	3	of	of	ADP
arjefm-1123	288	4	finance	finance	NOUN
arjefm-1123	288	5	and	and	CCONJ
arjefm-1123	288	6	accounting	accounting	NOUN
arjefm-1123	288	7	,	,	PUNCT
arjefm-1123	288	8	5(9	5(9	NUM
arjefm-1123	288	9	)	)	PUNCT
arjefm-1123	288	10	,	,	PUNCT
arjefm-1123	288	11	53	53	NUM
arjefm-1123	288	12	-	-	SYM
arjefm-1123	288	13	59	59	NUM
arjefm-1123	288	14	.	.	PUNCT
arjefm-1123	289	1	ogunrinola	ogunrinola	PROPN
arjefm-1123	289	2	o.i	o.i	INTJ
arjefm-1123	289	3	(	(	PUNCT
arjefm-1123	289	4	2007	2007	NUM
arjefm-1123	289	5	):	):	PUNCT
arjefm-1123	289	6	micro	micro	NOUN
arjefm-1123	289	7	-	-	NOUN
arjefm-1123	289	8	credit	credit	NOUN
arjefm-1123	289	9	and	and	CCONJ
arjefm-1123	289	10	micro	micro	NOUN
arjefm-1123	289	11	-	-	NOUN
arjefm-1123	289	12	enterprises	enterprise	NOUN
arjefm-1123	289	13	development	development	NOUN
arjefm-1123	289	14	,	,	PUNCT
arjefm-1123	289	15	an	an	DET
arjefm-1123	289	16	analysis	analysis	NOUN
arjefm-1123	289	17	of	of	ADP
arjefm-1123	289	18	some	some	DET
arjefm-1123	289	19	ruralbased	ruralbase	VERB
arjefm-1123	289	20	enterprises	enterprise	NOUN
arjefm-1123	289	21	in	in	ADP
arjefm-1123	289	22	nigeria	nigeria	PROPN
arjefm-1123	289	23	.	.	PUNCT
arjefm-1123	290	1	the	the	DET
arjefm-1123	290	2	nigeria	nigeria	PROPN
arjefm-1123	290	3	journal	journal	PROPN
arjefm-1123	290	4	of	of	ADP
arjefm-1123	290	5	economics	economic	NOUN
arjefm-1123	290	6	and	and	CCONJ
arjefm-1123	290	7	social	social	ADJ
arjefm-1123	290	8	studies	study	NOUN
arjefm-1123	290	9	49	49	NUM
arjefm-1123	290	10	(	(	PUNCT
arjefm-1123	290	11	1	1	NUM
arjefm-1123	290	12	)	)	PUNCT
arjefm-1123	290	13	,	,	PUNCT
arjefm-1123	290	14	5698	5698	NUM
arjefm-1123	290	15	.	.	PUNCT
arjefm-1123	291	1	okpara	okpara	NOUN
arjefm-1123	291	2	,	,	PUNCT
arjefm-1123	291	3	g.	g.	PROPN
arjefm-1123	291	4	c.	c.	PROPN
arjefm-1123	291	5	(	(	PUNCT
arjefm-1123	291	6	2010	2010	NUM
arjefm-1123	291	7	)	)	PUNCT
arjefm-1123	291	8	.	.	PUNCT
arjefm-1123	292	1	microfinance	microfinance	NOUN
arjefm-1123	292	2	banks	bank	NOUN
arjefm-1123	292	3	and	and	CCONJ
arjefm-1123	292	4	poverty	poverty	NOUN
arjefm-1123	292	5	alleviation	alleviation	NOUN
arjefm-1123	292	6	in	in	ADP
arjefm-1123	292	7	nigeria	nigeria	PROPN
arjefm-1123	292	8	.	.	PUNCT
arjefm-1123	293	1	journal	journal	PROPN
arjefm-1123	293	2	of	of	ADP
arjefm-1123	293	3	sustainable	sustainable	ADJ
arjefm-1123	293	4	development	development	NOUN
arjefm-1123	293	5	in	in	ADP
arjefm-1123	293	6	africa	africa	PROPN
arjefm-1123	293	7	,	,	PUNCT
arjefm-1123	293	8	12(6	12(6	NUM
arjefm-1123	293	9	)	)	PUNCT
arjefm-1123	293	10	.	.	PUNCT
arjefm-1123	294	1	olakojo	olakojo	PROPN
arjefm-1123	294	2	,	,	PUNCT
arjefm-1123	294	3	e.	e.	PROPN
arjefm-1123	294	4	&	&	CCONJ
arjefm-1123	294	5	olanipeun	olanipeun	PROPN
arjefm-1123	294	6	,	,	PUNCT
arjefm-1123	294	7	a.	a.	NOUN
arjefm-1123	294	8	(	(	PUNCT
arjefm-1123	294	9	2011	2011	NUM
arjefm-1123	294	10	)	)	PUNCT
arjefm-1123	294	11	.	.	PUNCT
arjefm-1123	295	1	community	community	NOUN
arjefm-1123	295	2	/	/	SYM
arjefm-1123	295	3	microfinance	microfinance	NOUN
arjefm-1123	295	4	banking	banking	NOUN
arjefm-1123	295	5	and	and	CCONJ
arjefm-1123	295	6	sectoral	sectoral	ADJ
arjefm-1123	295	7	growth	growth	NOUN
arjefm-1123	295	8	:	:	PUNCT
arjefm-1123	295	9	an	an	DET
arjefm-1123	295	10	empirical	empirical	ADJ
arjefm-1123	295	11	lesson	lesson	NOUN
arjefm-1123	295	12	from	from	ADP
arjefm-1123	295	13	nigeria	nigeria	PROPN
arjefm-1123	295	14	.	.	PUNCT
arjefm-1123	296	1	journal	journal	PROPN
arjefm-1123	296	2	of	of	ADP
arjefm-1123	296	3	economics	economic	NOUN
arjefm-1123	296	4	theory	theory	NOUN
arjefm-1123	296	5	,	,	PUNCT
arjefm-1123	296	6	5(2	5(2	NUM
arjefm-1123	296	7	)	)	PUNCT
arjefm-1123	296	8	,	,	PUNCT
arjefm-1123	296	9	50	50	NUM
arjefm-1123	296	10	-	-	SYM
arjefm-1123	296	11	54	54	NUM
arjefm-1123	296	12	.	.	PUNCT
arjefm-1123	297	1	olawuyi	olawuyi	NOUN
arjefm-1123	297	2	,	,	PUNCT
arjefm-1123	297	3	s.o	s.o	PROPN
arjefm-1123	297	4	.	.	PROPN
arjefm-1123	297	5	,	,	PUNCT
arjefm-1123	297	6	olapade	olapade	NOUN
arjefm-1123	297	7	-	-	PUNCT
arjefm-1123	297	8	ogunwole	ogunwole	NOUN
arjefm-1123	297	9	,	,	PUNCT
arjefm-1123	297	10	f.	f.	PROPN
arjefm-1123	297	11	,	,	PUNCT
arjefm-1123	297	12	fabiyi	fabiyi	PROPN
arjefm-1123	297	13	,	,	PUNCT
arjefm-1123	297	14	y.l	y.l	PROPN
arjefm-1123	297	15	.	.	PROPN
arjefm-1123	297	16	&	&	CCONJ
arjefm-1123	297	17	ganiyu	ganiyu	PROPN
arjefm-1123	297	18	,	,	PUNCT
arjefm-1123	297	19	m.o	m.o	PROPN
arjefm-1123	297	20	.	.	PROPN
arjefm-1123	297	21	(	(	PUNCT
arjefm-1123	297	22	2010	2010	NUM
arjefm-1123	297	23	)	)	PUNCT
arjefm-1123	297	24	.	.	PUNCT
arjefm-1123	298	1	“	"	PUNCT
arjefm-1123	298	2	effects	effect	NOUN
arjefm-1123	298	3	of	of	ADP
arjefm-1123	298	4	micro	micro	ADJ
arjefm-1123	298	5	-	-	ADJ
arjefm-1123	298	6	finance	finance	ADJ
arjefm-1123	298	7	bank	bank	NOUN
arjefm-1123	298	8	credit	credit	NOUN
arjefm-1123	298	9	scheme	scheme	NOUN
arjefm-1123	298	10	on	on	ADP
arjefm-1123	298	11	crop	crop	NOUN
arjefm-1123	298	12	farmers	farmer	NOUN
arjefm-1123	298	13	’	’	PART
arjefm-1123	298	14	revenue	revenue	NOUN
arjefm-1123	298	15	in	in	ADP
arjefm-1123	298	16	ogbomoso	ogbomoso	ADJ
arjefm-1123	298	17	south	south	ADJ
arjefm-1123	298	18	l.g.a	l.g.a	NOUN
arjefm-1123	298	19	.	.	PUNCT
arjefm-1123	298	20	of	of	ADP
arjefm-1123	298	21	oyo	oyo	PROPN
arjefm-1123	298	22	state	state	NOUN
arjefm-1123	298	23	”	"	PUNCT
arjefm-1123	298	24	.	.	PUNCT
arjefm-1123	299	1	in	in	ADP
arjefm-1123	299	2	:	:	PUNCT
arjefm-1123	299	3	j.n	j.n	PROPN
arjefm-1123	299	4	.	.	PROPN
arjefm-1123	299	5	nmadu	nmadu	PROPN
arjefm-1123	299	6	,	,	PUNCT
arjefm-1123	299	7	m.a	m.a	PROPN
arjefm-1123	299	8	.	.	PROPN
arjefm-1123	299	9	ojo	ojo	PROPN
arjefm-1123	299	10	,	,	PUNCT
arjefm-1123	299	11	u.s	u.s	PROPN
arjefm-1123	299	12	.	.	PROPN
arjefm-1123	299	13	mohammed	mohammed	PROPN
arjefm-1123	299	14	,	,	PUNCT
arjefm-1123	299	15	k.m	k.m	PROPN
arjefm-1123	299	16	.	.	PROPN
arjefm-1123	299	17	baba	baba	PROPN
arjefm-1123	299	18	,	,	PUNCT
arjefm-1123	299	19	f.d	f.d	PROPN
arjefm-1123	299	20	.	.	PROPN
arjefm-1123	299	21	ibrahim	ibrahim	PROPN
arjefm-1123	299	22	and	and	CCONJ
arjefm-1123	299	23	e.s	e.s	PROPN
arjefm-1123	299	24	.	.	PROPN
arjefm-1123	299	25	yisa	yisa	PROPN
arjefm-1123	299	26	(	(	PUNCT
arjefm-1123	299	27	eds	ed	NOUN
arjefm-1123	299	28	)	)	PUNCT
arjefm-1123	299	29	commercial	commercial	ADJ
arjefm-1123	299	30	agriculture	agriculture	NOUN
arjefm-1123	299	31	,	,	PUNCT
arjefm-1123	299	32	banking	banking	NOUN
arjefm-1123	299	33	reform	reform	NOUN
arjefm-1123	299	34	and	and	CCONJ
arjefm-1123	299	35	economic	economic	ADJ
arjefm-1123	299	36	downturn	downturn	NOUN
arjefm-1123	299	37	:	:	PUNCT
arjefm-1123	299	38	setting	set	VERB
arjefm-1123	299	39	a	a	DET
arjefm-1123	299	40	new	new	ADJ
arjefm-1123	299	41	agenda	agenda	NOUN
arjefm-1123	299	42	for	for	ADP
arjefm-1123	299	43	agricultural	agricultural	ADJ
arjefm-1123	299	44	development	development	NOUN
arjefm-1123	299	45	in	in	ADP
arjefm-1123	299	46	nigeria	nigeria	PROPN
arjefm-1123	299	47	.	.	PUNCT
arjefm-1123	300	1	proceedings	proceeding	NOUN
arjefm-1123	300	2	of	of	ADP
arjefm-1123	300	3	11th	11th	ADJ
arjefm-1123	300	4	annual	annual	ADJ
arjefm-1123	300	5	national	national	ADJ
arjefm-1123	300	6	conference	conference	NOUN
arjefm-1123	300	7	of	of	ADP
arjefm-1123	300	8	national	national	PROPN
arjefm-1123	300	9	association	association	PROPN
arjefm-1123	300	10	of	of	ADP
arjefm-1123	300	11	agricultural	agricultural	ADJ
arjefm-1123	300	12	economists	economist	NOUN
arjefm-1123	300	13	(	(	PUNCT
arjefm-1123	300	14	naae	naae	PROPN
arjefm-1123	300	15	)	)	PUNCT
arjefm-1123	300	16	,	,	PUNCT
arjefm-1123	300	17	12	12	NUM
arjefm-1123	300	18	16	16	NUM
arjefm-1123	300	19	.	.	PUNCT
arjefm-1123	301	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1123	301	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1123	302	1	american	american	PROPN
arjefm-1123	302	2	research	research	PROPN
arjefm-1123	302	3	journal	journal	PROPN
arjefm-1123	302	4	of	of	ADP
arjefm-1123	302	5	economics	economic	NOUN
arjefm-1123	302	6	,	,	PUNCT
arjefm-1123	302	7	finance	finance	NOUN
arjefm-1123	302	8	and	and	CCONJ
arjefm-1123	302	9	management	management	NOUN
arjefm-1123	302	10	volume	volume	NOUN
arjefm-1123	302	11	12	12	NUM
arjefm-1123	302	12	issue	issue	NOUN
arjefm-1123	302	13	4	4	NUM
arjefm-1123	302	14	,	,	PUNCT
arjefm-1123	302	15	october	october	PROPN
arjefm-1123	302	16	-	-	PUNCT
arjefm-1123	302	17	december	december	PROPN
arjefm-1123	302	18	2024	2024	NUM
arjefm-1123	302	19	issn	issn	NOUN
arjefm-1123	302	20	:	:	PUNCT
arjefm-1123	302	21	2836	2836	NUM
arjefm-1123	302	22	-	-	SYM
arjefm-1123	302	23	9416	9416	NUM
arjefm-1123	302	24	impact	impact	NOUN
arjefm-1123	302	25	factor	factor	NOUN
arjefm-1123	302	26	:	:	PUNCT
arjefm-1123	302	27	5.57	5.57	NUM
arjefm-1123	302	28	journal	journal	NOUN
arjefm-1123	302	29	homepage	homepage	NOUN
arjefm-1123	302	30	:	:	PUNCT
arjefm-1123	302	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	302	32	,	,	PUNCT
arjefm-1123	302	33	email	email	NOUN
arjefm-1123	302	34	:	:	PUNCT
arjefm-1123	302	35	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1123	302	36	official	official	ADJ
arjefm-1123	302	37	journal	journal	PROPN
arjefm-1123	302	38	of	of	ADP
arjefm-1123	302	39	america	america	PROPN
arjefm-1123	302	40	serial	serial	PROPN
arjefm-1123	302	41	publication	publication	NOUN
arjefm-1123	302	42	american	american	PROPN
arjefm-1123	302	43	research	research	PROPN
arjefm-1123	302	44	journal	journal	PROPN
arjefm-1123	302	45	of	of	ADP
arjefm-1123	302	46	economics	economic	NOUN
arjefm-1123	302	47	,	,	PUNCT
arjefm-1123	302	48	finance	finance	NOUN
arjefm-1123	302	49	and	and	CCONJ
arjefm-1123	302	50	management	management	NOUN
arjefm-1123	302	51	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1123	302	52	,	,	PUNCT
arjefm-1123	302	53	email	email	NOUN
arjefm-1123	302	54	:	:	PUNCT
arjefm-1123	302	55	contact@americaserial.com	contact@americaserial.com	X
arjefm-1123	303	1	15	15	NUM
arjefm-1123	304	1	|	|	ADV
arjefm-1123	304	2	p	p	X
arjefm-1123	304	3	a	a	DET
arjefm-1123	304	4	g	g	NOUN
arjefm-1123	304	5	e	e	NOUN
arjefm-1123	304	6	oluyombo	oluyombo	NOUN
arjefm-1123	304	7	,	,	PUNCT
arjefm-1123	304	8	o.	o.	NOUN
arjefm-1123	304	9	o.	o.	PROPN
arjefm-1123	304	10	(	(	PUNCT
arjefm-1123	304	11	2010	2010	NUM
arjefm-1123	304	12	)	)	PUNCT
arjefm-1123	304	13	.	.	PUNCT
arjefm-1123	305	1	assessing	assess	VERB
arjefm-1123	305	2	the	the	DET
arjefm-1123	305	3	impact	impact	NOUN
arjefm-1123	305	4	of	of	ADP
arjefm-1123	305	5	savings	saving	NOUN
arjefm-1123	305	6	and	and	CCONJ
arjefm-1123	305	7	credit	credit	NOUN
arjefm-1123	305	8	cooperatives	cooperative	NOUN
arjefm-1123	305	9	among	among	ADP
arjefm-1123	305	10	monthly	monthly	ADJ
arjefm-1123	305	11	income	income	NOUN
arjefm-1123	305	12	earners	earner	NOUN
arjefm-1123	305	13	.	.	PUNCT
arjefm-1123	306	1	journal	journal	NOUN
arjefm-1123	306	2	of	of	ADP
arjefm-1123	306	3	research	research	NOUN
arjefm-1123	306	4	in	in	ADP
arjefm-1123	306	5	national	national	ADJ
arjefm-1123	306	6	development	development	NOUN
arjefm-1123	306	7	,	,	PUNCT
arjefm-1123	306	8	8(2b	8(2b	NUM
arjefm-1123	306	9	)	)	PUNCT
arjefm-1123	306	10	,	,	PUNCT
arjefm-1123	306	11	407	407	NUM
arjefm-1123	306	12	-	-	SYM
arjefm-1123	306	13	415	415	NUM
arjefm-1123	306	14	.	.	PUNCT
arjefm-1123	307	1	oluyombo	oluyombo	PROPN
arjefm-1123	307	2	,	,	PUNCT
arjefm-1123	307	3	o.o	o.o	PROPN
arjefm-1123	307	4	.	.	PROPN
arjefm-1123	307	5	(	(	PUNCT
arjefm-1123	307	6	2011	2011	NUM
arjefm-1123	307	7	)	)	PUNCT
arjefm-1123	307	8	.	.	PUNCT
arjefm-1123	308	1	the	the	DET
arjefm-1123	308	2	impact	impact	NOUN
arjefm-1123	308	3	of	of	ADP
arjefm-1123	308	4	microfinance	microfinance	NOUN
arjefm-1123	308	5	bank	bank	NOUN
arjefm-1123	308	6	credits	credit	NOUN
arjefm-1123	308	7	on	on	ADP
arjefm-1123	308	8	economic	economic	ADJ
arjefm-1123	308	9	development	development	NOUN
arjefm-1123	308	10	of	of	ADP
arjefm-1123	308	11	nigeria	nigeria	PROPN
arjefm-1123	308	12	(	(	PUNCT
arjefm-1123	308	13	1992	1992	NUM
arjefm-1123	308	14	–	–	PUNCT
arjefm-1123	308	15	2006	2006	NUM
arjefm-1123	308	16	)	)	PUNCT
arjefm-1123	308	17	.	.	PUNCT
arjefm-1123	309	1	international	international	ADJ
arjefm-1123	309	2	journal	journal	PROPN
arjefm-1123	309	3	of	of	ADP
arjefm-1123	309	4	development	development	NOUN
arjefm-1123	309	5	and	and	CCONJ
arjefm-1123	309	6	management	management	NOUN
arjefm-1123	309	7	review	review	NOUN
arjefm-1123	309	8	,	,	PUNCT
arjefm-1123	309	9	6(1	6(1	NUM
arjefm-1123	309	10	)	)	PUNCT
arjefm-1123	309	11	.	.	PUNCT
arjefm-1123	310	1	otero	otero	PROPN
arjefm-1123	310	2	,	,	PUNCT
arjefm-1123	310	3	m.	m.	PROPN
arjefm-1123	310	4	&	&	CCONJ
arjefm-1123	310	5	rhyne	rhyne	PROPN
arjefm-1123	310	6	,	,	PUNCT
arjefm-1123	310	7	e.	e.	PROPN
arjefm-1123	310	8	(	(	PUNCT
arjefm-1123	310	9	2014	2014	NUM
arjefm-1123	310	10	)	)	PUNCT
arjefm-1123	310	11	.	.	PUNCT
arjefm-1123	311	1	the	the	DET
arjefm-1123	311	2	new	new	ADJ
arjefm-1123	311	3	world	world	NOUN
arjefm-1123	311	4	of	of	ADP
arjefm-1123	311	5	microenterprise	microenterprise	NOUN
arjefm-1123	311	6	finance	finance	NOUN
arjefm-1123	311	7	:	:	PUNCT
arjefm-1123	311	8	building	build	VERB
arjefm-1123	311	9	healthyfinancial	healthyfinancial	ADJ
arjefm-1123	311	10	institutions	institution	NOUN
arjefm-1123	311	11	for	for	ADP
arjefm-1123	311	12	the	the	DET
arjefm-1123	311	13	poor	poor	ADJ
arjefm-1123	311	14	.	.	PUNCT
arjefm-1123	312	1	west	west	PROPN
arjefm-1123	312	2	hartford	hartford	PROPN
arjefm-1123	312	3	:	:	PUNCT
arjefm-1123	312	4	conn	conn	PROPN
arjefm-1123	312	5	kumarian	kumarian	PROPN
arjefm-1123	312	6	press	press	PROPN
arjefm-1123	312	7	.	.	PUNCT
arjefm-1123	313	1	seibel	seibel	PROPN
arjefm-1123	313	2	,	,	PUNCT
arjefm-1123	313	3	h.	h.	PROPN
arjefm-1123	313	4	(	(	PUNCT
arjefm-1123	313	5	2011	2011	NUM
arjefm-1123	313	6	)	)	PUNCT
arjefm-1123	313	7	.	.	PUNCT
arjefm-1123	314	1	islamic	islamic	ADJ
arjefm-1123	314	2	microfinance	microfinance	NOUN
arjefm-1123	314	3	in	in	ADP
arjefm-1123	314	4	indonesia	indonesia	PROPN
arjefm-1123	314	5	:	:	PUNCT
arjefm-1123	314	6	the	the	DET
arjefm-1123	314	7	challenge	challenge	NOUN
arjefm-1123	314	8	of	of	ADP
arjefm-1123	314	9	institutional	institutional	ADJ
arjefm-1123	314	10	diversity	diversity	NOUN
arjefm-1123	314	11	,	,	PUNCT
arjefm-1123	314	12	regulation	regulation	NOUN
arjefm-1123	314	13	and	and	CCONJ
arjefm-1123	314	14	supervision	supervision	NOUN
arjefm-1123	314	15	.	.	PUNCT
arjefm-1123	315	1	the	the	DET
arjefm-1123	315	2	handbook	handbook	NOUN
arjefm-1123	315	3	of	of	ADP
arjefm-1123	315	4	reparations	reparation	NOUN
arjefm-1123	315	5	.	.	PUNCT
arjefm-1123	316	1	oxford	oxford	PROPN
arjefm-1123	316	2	and	and	CCONJ
arjefm-1123	316	3	new	new	PROPN
arjefm-1123	316	4	york	york	PROPN
arjefm-1123	316	5	:	:	PUNCT
arjefm-1123	316	6	oxford	oxford	PROPN
arjefm-1123	316	7	university	university	PROPN
arjefm-1123	316	8	press	press	NOUN
arjefm-1123	316	9	.	.	PUNCT
arjefm-1123	317	1	taiwo	taiwo	PROPN
arjefm-1123	317	2	,	,	PUNCT
arjefm-1123	317	3	e.	e.	PROPN
arjefm-1123	317	4	(	(	PUNCT
arjefm-1123	317	5	2015	2015	NUM
arjefm-1123	317	6	)	)	PUNCT
arjefm-1123	317	7	.	.	PUNCT
arjefm-1123	318	1	assessıng	assessıng	PROPN
arjefm-1123	318	2	the	the	DET
arjefm-1123	318	3	extension	extension	NOUN
arjefm-1123	318	4	service	service	NOUN
arjefm-1123	318	5	needs	need	NOUN
arjefm-1123	318	6	of	of	ADP
arjefm-1123	318	7	credit	credit	NOUN
arjefm-1123	318	8	officers	officer	NOUN
arjefm-1123	318	9	of	of	ADP
arjefm-1123	318	10	microfinance	microfinance	NOUN
arjefm-1123	318	11	banks	bank	NOUN
arjefm-1123	318	12	in	in	ADP
arjefm-1123	318	13	anambra	anambra	PROPN
arjefm-1123	318	14	state	state	PROPN
arjefm-1123	318	15	:	:	PUNCT
arjefm-1123	318	16	implıcatıons	implıcatıon	NOUN
arjefm-1123	318	17	for	for	ADP
arjefm-1123	318	18	rural	rural	ADJ
arjefm-1123	318	19	finance	finance	NOUN
arjefm-1123	318	20	intermediation	intermediation	NOUN
arjefm-1123	318	21	.	.	PUNCT
arjefm-1123	319	1	asian	asian	ADJ
arjefm-1123	319	2	journal	journal	PROPN
arjefm-1123	319	3	of	of	ADP
arjefm-1123	319	4	agriculture	agriculture	NOUN
arjefm-1123	319	5	and	and	CCONJ
arjefm-1123	319	6	rural	rural	ADJ
arjefm-1123	319	7	development	development	NOUN
arjefm-1123	319	8	,	,	PUNCT
arjefm-1123	319	9	5(2	5(2	NUM
arjefm-1123	319	10	)	)	PUNCT
arjefm-1123	319	11	,	,	PUNCT
arjefm-1123	319	12	42	42	NUM
arjefm-1123	319	13	-	-	SYM
arjefm-1123	319	14	52	52	NUM
arjefm-1123	319	15	.	.	PUNCT
arjefm-1123	320	1	uche	uche	PROPN
arjefm-1123	320	2	,	,	PUNCT
arjefm-1123	320	3	r.u	r.u	PROPN
arjefm-1123	320	4	(	(	PUNCT
arjefm-1123	320	5	2008	2008	NUM
arjefm-1123	320	6	):	):	PUNCT
arjefm-1123	320	7	the	the	DET
arjefm-1123	320	8	role	role	NOUN
arjefm-1123	320	9	of	of	ADP
arjefm-1123	320	10	banks	bank	NOUN
arjefm-1123	320	11	,	,	PUNCT
arjefm-1123	320	12	insurance	insurance	NOUN
arjefm-1123	320	13	and	and	CCONJ
arjefm-1123	320	14	microfinance	microfinance	NOUN
arjefm-1123	320	15	institutions	institution	NOUN
arjefm-1123	320	16	in	in	ADP
arjefm-1123	320	17	national	national	ADJ
arjefm-1123	320	18	development	development	NOUN
arjefm-1123	320	19	:	:	PUNCT
arjefm-1123	320	20	a	a	DET
arjefm-1123	320	21	lecture	lecture	NOUN
arjefm-1123	320	22	delivered	deliver	VERB
arjefm-1123	320	23	to	to	ADP
arjefm-1123	320	24	participants	participant	NOUN
arjefm-1123	320	25	of	of	ADP
arjefm-1123	320	26	senior	senior	ADJ
arjefm-1123	320	27	executive	executive	ADJ
arjefm-1123	320	28	course	course	NOUN
arjefm-1123	320	29	no	no	INTJ
arjefm-1123	320	30	.	.	NOUN
arjefm-1123	320	31	30	30	NUM
arjefm-1123	320	32	of	of	ADP
arjefm-1123	320	33	the	the	DET
arjefm-1123	320	34	national	national	PROPN
arjefm-1123	320	35	institute	institute	PROPN
arjefm-1123	320	36	for	for	ADP
arjefm-1123	320	37	policy	policy	NOUN
arjefm-1123	320	38	and	and	CCONJ
arjefm-1123	320	39	strategic	strategic	ADJ
arjefm-1123	320	40	studies	study	NOUN
arjefm-1123	320	41	,	,	PUNCT
arjefm-1123	320	42	kuru	kuru	NOUN
arjefm-1123	320	43	,	,	PUNCT
arjefm-1123	320	44	jos	jos	PROPN
arjefm-1123	320	45	.	.	PROPN
arjefm-1123	320	46	world	world	PROPN
arjefm-1123	320	47	bank	bank	PROPN
arjefm-1123	320	48	(	(	PUNCT
arjefm-1123	320	49	2005	2005	NUM
arjefm-1123	320	50	)	)	PUNCT
arjefm-1123	320	51	.	.	PUNCT
arjefm-1123	321	1	“	"	PUNCT
arjefm-1123	321	2	nigeria	nigeria	PROPN
arjefm-1123	321	3	national	national	ADJ
arjefm-1123	321	4	economic	economic	ADJ
arjefm-1123	321	5	empowerment	empowerment	NOUN
arjefm-1123	321	6	and	and	CCONJ
arjefm-1123	321	7	development	development	NOUN
arjefm-1123	321	8	strategy	strategy	NOUN
arjefm-1123	321	9	and	and	CCONJ
arjefm-1123	321	10	joint	joint	ADJ
arjefm-1123	321	11	ida	ida	PROPN
arjefm-1123	321	12	-	-	PUNCT
arjefm-1123	321	13	imf	imf	PROPN
arjefm-1123	321	14	staff	staff	PROPN
arjefm-1123	321	15	advisory	advisory	NOUN
arjefm-1123	321	16	note	note	NOUN
arjefm-1123	321	17	”	"	PUNCT
arjefm-1123	321	18	,	,	PUNCT
arjefm-1123	321	19	world	world	NOUN
arjefm-1123	321	20	bankwashington	bankwashington	PROPN
arjefm-1123	321	21	,	,	PUNCT
arjefm-1123	321	22	dc	dc	PROPN
arjefm-1123	321	23	.	.	PROPN
arjefm-1123	321	24	world	world	PROPN
arjefm-1123	321	25	bank	bank	PROPN
arjefm-1123	321	26	.	.	PUNCT
arjefm-1123	322	1	(	(	PUNCT
arjefm-1123	322	2	2006	2006	NUM
arjefm-1123	322	3	)	)	PUNCT
arjefm-1123	322	4	.	.	PUNCT
arjefm-1123	323	1	equity	equity	NOUN
arjefm-1123	323	2	and	and	CCONJ
arjefm-1123	323	3	development	development	NOUN
arjefm-1123	323	4	:	:	PUNCT
arjefm-1123	323	5	overview	overview	NOUN
arjefm-1123	323	6	of	of	ADP
arjefm-1123	323	7	world	world	NOUN
arjefm-1123	323	8	development	development	NOUN
arjefm-1123	323	9	report	report	NOUN
arjefm-1123	323	10	.	.	PUNCT
arjefm-1123	324	1	washington	washington	PROPN
arjefm-1123	324	2	,	,	PUNCT
arjefm-1123	324	3	d.c	d.c	PROPN
arjefm-1123	324	4	:	:	PUNCT
arjefm-1123	324	5	world	world	PROPN
arjefm-1123	324	6	bank	bank	PROPN
arjefm-1123	324	7	.	.	PUNCT
arjefm-1123	325	1	yunus	yunus	PROPN
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arjefm-1123	325	4	(	(	PUNCT
arjefm-1123	325	5	2010	2010	NUM
arjefm-1123	325	6	)	)	PUNCT
arjefm-1123	325	7	.	.	PUNCT
arjefm-1123	326	1	building	build	VERB
arjefm-1123	326	2	social	social	ADJ
arjefm-1123	326	3	business	business	NOUN
arjefm-1123	326	4	.	.	PUNCT
arjefm-1123	327	1	new	new	PROPN
arjefm-1123	327	2	york	york	PROPN
arjefm-1123	327	3	:	:	PUNCT
arjefm-1123	327	4	new	new	PROPN
arjefm-1123	327	5	york	york	PROPN
arjefm-1123	327	6	public	public	PROPN
arjefm-1123	327	7	affairs	affairs	PROPN
arjefm-1123	327	8	.	.	PUNCT
arjefm-1123	328	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1123	328	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X