id	keyword
arjefm-95	loan
arjefm-95	journal
arjefm-95	referent
arjefm-95	denial
arjefm-95	referent referent
arjefm-95	american
arjefm-95	economics
arjefm-95	home
arjefm-95	research
arjefm-95	finance
arjefm-95	discrimination
arjefm-95	loan denial
arjefm-95	management
arjefm-95	https://americaserial.com/journals/index.php/arjefm