id	sid	tid	token	lemma	pos
abrj-4	1	1	29	29	NUM
abrj-4	1	2	©	©	PROPN
abrj-4	1	3	2019	2019	NUM
abrj-4	1	4	by	by	ADP
abrj-4	1	5	the	the	DET
abrj-4	1	6	authors	author	NOUN
abrj-4	1	7	;	;	PUNCT
abrj-4	1	8	licensee	licensee	NOUN
abrj-4	1	9	eastern	eastern	ADJ
abrj-4	1	10	centre	centre	NOUN
abrj-4	1	11	of	of	ADP
abrj-4	1	12	science	science	NOUN
abrj-4	1	13	and	and	CCONJ
abrj-4	1	14	education	education	NOUN
abrj-4	1	15	,	,	PUNCT
abrj-4	1	16	usa	usa	PROPN
abrj-4	1	17	asian	asian	PROPN
abrj-4	1	18	business	business	PROPN
abrj-4	1	19	research	research	PROPN
abrj-4	1	20	journal	journal	PROPN
abrj-4	1	21	vol	vol	NOUN
abrj-4	1	22	.	.	PROPN
abrj-4	1	23	4	4	NUM
abrj-4	1	24	,	,	PUNCT
abrj-4	1	25	29	29	NUM
abrj-4	1	26	-	-	SYM
abrj-4	1	27	34	34	NUM
abrj-4	1	28	,	,	PUNCT
abrj-4	1	29	2019	2019	NUM
abrj-4	1	30	issn(e	issn(e	NOUN
abrj-4	1	31	)	)	PUNCT
abrj-4	1	32	:	:	PUNCT
abrj-4	1	33	2576	2576	NUM
abrj-4	1	34	-	-	SYM
abrj-4	1	35	6759	6759	NUM
abrj-4	1	36	doi	doi	NOUN
abrj-4	1	37	:	:	PUNCT
abrj-4	1	38	10.20448	10.20448	NUM
abrj-4	1	39	/	/	SYM
abrj-4	1	40	journal.518.2019.41.29.34	journal.518.2019.41.29.34	PROPN
abrj-4	1	41	©	©	ADP
abrj-4	1	42	2019	2019	NUM
abrj-4	1	43	by	by	ADP
abrj-4	1	44	the	the	DET
abrj-4	1	45	authors	author	NOUN
abrj-4	1	46	;	;	PUNCT
abrj-4	1	47	licensee	licensee	NOUN
abrj-4	1	48	eastern	eastern	ADJ
abrj-4	1	49	centre	centre	NOUN
abrj-4	1	50	of	of	ADP
abrj-4	1	51	science	science	NOUN
abrj-4	1	52	and	and	CCONJ
abrj-4	1	53	education	education	NOUN
abrj-4	1	54	,	,	PUNCT
abrj-4	1	55	usa	usa	PROPN
abrj-4	1	56	the	the	DET
abrj-4	1	57	need	need	NOUN
abrj-4	1	58	for	for	ADP
abrj-4	1	59	agile	agile	ADJ
abrj-4	1	60	relationship	relationship	NOUN
abrj-4	1	61	lending	lending	NOUN
abrj-4	1	62	between	between	ADP
abrj-4	1	63	small	small	ADJ
abrj-4	1	64	business	business	NOUN
abrj-4	1	65	and	and	CCONJ
abrj-4	1	66	banks	bank	NOUN
abrj-4	1	67	,	,	PUNCT
abrj-4	1	68	towards	towards	ADP
abrj-4	1	69	a	a	DET
abrj-4	1	70	more	more	ADV
abrj-4	1	71	engaged	engaged	ADJ
abrj-4	1	72	relationship	relationship	NOUN
abrj-4	1	73	:	:	PUNCT
abrj-4	1	74	a	a	DET
abrj-4	1	75	case	case	NOUN
abrj-4	1	76	study	study	NOUN
abrj-4	1	77	in	in	ADP
abrj-4	1	78	khayelitsha	khayelitsha	PROPN
abrj-4	1	79	,	,	PUNCT
abrj-4	1	80	south	south	PROPN
abrj-4	1	81	africa	africa	PROPN
abrj-4	1	82	m.t	m.t	PROPN
abrj-4	1	83	.	.	PROPN
abrj-4	1	84	langa1	langa1	PROPN
abrj-4	1	85	krishna	krishna	PROPN
abrj-4	1	86	k	k	PROPN
abrj-4	1	87	govender2	govender2	PROPN
abrj-4	1	88	(	(	PUNCT
abrj-4	1	89			PROPN
abrj-4	1	90	corresponding	correspond	VERB
abrj-4	1	91	author	author	NOUN
abrj-4	1	92	)	)	PUNCT
abrj-4	1	93	1,2da	1,2da	NUM
abrj-4	1	94	vinci	vinci	PROPN
abrj-4	1	95	institute	institute	PROPN
abrj-4	1	96	of	of	ADP
abrj-4	1	97	technology	technology	PROPN
abrj-4	1	98	,	,	PUNCT
abrj-4	1	99	south	south	PROPN
abrj-4	1	100	africa	africa	PROPN
abrj-4	1	101	.	.	PUNCT
abrj-4	2	1	abstract	abstract	ADJ
abrj-4	2	2	despite	despite	SCONJ
abrj-4	2	3	much	much	ADJ
abrj-4	2	4	attention	attention	NOUN
abrj-4	2	5	being	be	AUX
abrj-4	2	6	focused	focus	VERB
abrj-4	2	7	on	on	ADP
abrj-4	2	8	financing	finance	VERB
abrj-4	2	9	small	small	ADJ
abrj-4	2	10	,	,	PUNCT
abrj-4	2	11	medium	medium	ADJ
abrj-4	2	12	and	and	CCONJ
abrj-4	2	13	micro	micro	ADJ
abrj-4	2	14	enterprises	enterprise	NOUN
abrj-4	2	15	(	(	PUNCT
abrj-4	2	16	smmes	smme	NOUN
abrj-4	2	17	)	)	PUNCT
abrj-4	2	18	,	,	PUNCT
abrj-4	2	19	they	they	PRON
abrj-4	2	20	(	(	PUNCT
abrj-4	2	21	smmes	smme	NOUN
abrj-4	2	22	)	)	PUNCT
abrj-4	2	23	continue	continue	VERB
abrj-4	2	24	to	to	PART
abrj-4	2	25	face	face	VERB
abrj-4	2	26	survival	survival	NOUN
abrj-4	2	27	and	and	CCONJ
abrj-4	2	28	growth	growth	NOUN
abrj-4	2	29	challenges	challenge	NOUN
abrj-4	2	30	.	.	PUNCT
abrj-4	3	1	banks	bank	NOUN
abrj-4	3	2	tend	tend	VERB
abrj-4	3	3	to	to	PART
abrj-4	3	4	be	be	AUX
abrj-4	3	5	reluctant	reluctant	ADJ
abrj-4	3	6	to	to	PART
abrj-4	3	7	offer	offer	VERB
abrj-4	3	8	loans	loan	NOUN
abrj-4	3	9	and	and	CCONJ
abrj-4	3	10	financial	financial	ADJ
abrj-4	3	11	assistance	assistance	NOUN
abrj-4	3	12	if	if	SCONJ
abrj-4	3	13	,	,	PUNCT
abrj-4	3	14	based	base	VERB
abrj-4	3	15	on	on	ADP
abrj-4	3	16	their	their	PRON
abrj-4	3	17	assessment	assessment	NOUN
abrj-4	3	18	of	of	ADP
abrj-4	3	19	financial	financial	ADJ
abrj-4	3	20	statements	statement	NOUN
abrj-4	3	21	,	,	PUNCT
abrj-4	3	22	the	the	DET
abrj-4	3	23	small	small	ADJ
abrj-4	3	24	businesses	business	NOUN
abrj-4	3	25	do	do	AUX
abrj-4	3	26	not	not	PART
abrj-4	3	27	have	have	VERB
abrj-4	3	28	the	the	DET
abrj-4	3	29	ability	ability	NOUN
abrj-4	3	30	to	to	PART
abrj-4	3	31	repay	repay	VERB
abrj-4	3	32	loans	loan	NOUN
abrj-4	3	33	,	,	PUNCT
abrj-4	3	34	caused	cause	VERB
abrj-4	3	35	by	by	ADP
abrj-4	3	36	the	the	DET
abrj-4	3	37	level	level	NOUN
abrj-4	3	38	of	of	ADP
abrj-4	3	39	“	"	PUNCT
abrj-4	3	40	opaqueness	opaqueness	NOUN
abrj-4	3	41	”	"	PUNCT
abrj-4	3	42	of	of	ADP
abrj-4	3	43	information	information	NOUN
abrj-4	3	44	that	that	PRON
abrj-4	3	45	the	the	DET
abrj-4	3	46	banks	bank	NOUN
abrj-4	3	47	have	have	VERB
abrj-4	3	48	about	about	ADP
abrj-4	3	49	small	small	ADJ
abrj-4	3	50	businesses	business	NOUN
abrj-4	3	51	,	,	PUNCT
abrj-4	3	52	which	which	PRON
abrj-4	3	53	has	have	AUX
abrj-4	3	54	resulted	result	VERB
abrj-4	3	55	in	in	ADP
abrj-4	3	56	the	the	DET
abrj-4	3	57	introduction	introduction	NOUN
abrj-4	3	58	of	of	ADP
abrj-4	3	59	the	the	DET
abrj-4	3	60	concept	concept	NOUN
abrj-4	3	61	of	of	ADP
abrj-4	3	62	„	„	PUNCT
abrj-4	3	63	relationship	relationship	NOUN
abrj-4	3	64	lending.‟	lending.‟	NOUN
abrj-4	3	65	if	if	SCONJ
abrj-4	3	66	banks	bank	NOUN
abrj-4	3	67	are	be	AUX
abrj-4	3	68	more	more	ADV
abrj-4	3	69	agile	agile	ADJ
abrj-4	3	70	and	and	CCONJ
abrj-4	3	71	have	have	VERB
abrj-4	3	72	an	an	DET
abrj-4	3	73	engaging	engaging	ADJ
abrj-4	3	74	relationship	relationship	NOUN
abrj-4	3	75	with	with	ADP
abrj-4	3	76	small	small	ADJ
abrj-4	3	77	businesses	business	NOUN
abrj-4	3	78	,	,	PUNCT
abrj-4	3	79	they	they	PRON
abrj-4	3	80	will	will	AUX
abrj-4	3	81	be	be	AUX
abrj-4	3	82	in	in	ADP
abrj-4	3	83	a	a	DET
abrj-4	3	84	better	well	ADJ
abrj-4	3	85	position	position	NOUN
abrj-4	3	86	to	to	PART
abrj-4	3	87	use	use	VERB
abrj-4	3	88	their	their	PRON
abrj-4	3	89	discretion	discretion	NOUN
abrj-4	3	90	when	when	SCONJ
abrj-4	3	91	granting	grant	VERB
abrj-4	3	92	finance	finance	NOUN
abrj-4	3	93	.	.	PUNCT
abrj-4	4	1	through	through	ADP
abrj-4	4	2	engaged	engage	VERB
abrj-4	4	3	relationships	relationship	NOUN
abrj-4	4	4	with	with	ADP
abrj-4	4	5	small	small	ADJ
abrj-4	4	6	business	business	NOUN
abrj-4	4	7	,	,	PUNCT
abrj-4	4	8	banks	bank	NOUN
abrj-4	4	9	would	would	AUX
abrj-4	4	10	better	well	ADV
abrj-4	4	11	manage	manage	VERB
abrj-4	4	12	information	information	NOUN
abrj-4	4	13	asymmetry	asymmetry	NOUN
abrj-4	4	14	and	and	CCONJ
abrj-4	4	15	offer	offer	VERB
abrj-4	4	16	some	some	DET
abrj-4	4	17	possible	possible	ADJ
abrj-4	4	18	specialised	specialised	ADJ
abrj-4	4	19	support	support	NOUN
abrj-4	4	20	to	to	ADP
abrj-4	4	21	smes	sme	NOUN
abrj-4	4	22	.	.	PUNCT
abrj-4	5	1	by	by	ADP
abrj-4	5	2	using	use	VERB
abrj-4	5	3	a	a	DET
abrj-4	5	4	semistructured	semistructure	VERB
abrj-4	5	5	questionnaire	questionnaire	NOUN
abrj-4	5	6	,	,	PUNCT
abrj-4	5	7	the	the	DET
abrj-4	5	8	study	study	NOUN
abrj-4	5	9	probed	probe	VERB
abrj-4	5	10	problems	problem	NOUN
abrj-4	5	11	with	with	ADP
abrj-4	5	12	information	information	NOUN
abrj-4	5	13	asymmetry	asymmetry	NOUN
abrj-4	5	14	between	between	ADP
abrj-4	5	15	the	the	DET
abrj-4	5	16	bank	bank	NOUN
abrj-4	5	17	and	and	CCONJ
abrj-4	5	18	small	small	ADJ
abrj-4	5	19	businesses	business	NOUN
abrj-4	5	20	,	,	PUNCT
abrj-4	5	21	towards	towards	ADP
abrj-4	5	22	more	more	ADV
abrj-4	5	23	agile	agile	ADJ
abrj-4	5	24	solutions	solution	NOUN
abrj-4	5	25	and	and	CCONJ
abrj-4	5	26	engaged	engaged	ADJ
abrj-4	5	27	relationships	relationship	NOUN
abrj-4	5	28	.	.	PUNCT
abrj-4	6	1	a	a	DET
abrj-4	6	2	case	case	NOUN
abrj-4	6	3	-	-	PUNCT
abrj-4	6	4	study	study	NOUN
abrj-4	6	5	based	base	VERB
abrj-4	6	6	research	research	NOUN
abrj-4	6	7	was	be	AUX
abrj-4	6	8	conducted	conduct	VERB
abrj-4	6	9	in	in	ADP
abrj-4	6	10	two	two	NUM
abrj-4	6	11	established	establish	VERB
abrj-4	6	12	businesses	business	NOUN
abrj-4	6	13	in	in	ADP
abrj-4	6	14	the	the	DET
abrj-4	6	15	informal	informal	ADJ
abrj-4	6	16	township	township	NOUN
abrj-4	6	17	of	of	ADP
abrj-4	6	18	khayelitsha	khayelitsha	PROPN
abrj-4	6	19	in	in	ADP
abrj-4	6	20	the	the	DET
abrj-4	6	21	western	western	ADJ
abrj-4	6	22	cape	cape	NOUN
abrj-4	6	23	of	of	ADP
abrj-4	6	24	south	south	PROPN
abrj-4	6	25	africa	africa	PROPN
abrj-4	6	26	.	.	PUNCT
abrj-4	7	1	it	it	PRON
abrj-4	7	2	became	become	VERB
abrj-4	7	3	apparent	apparent	ADJ
abrj-4	7	4	that	that	SCONJ
abrj-4	7	5	transactional	transactional	ADJ
abrj-4	7	6	lending	lending	NOUN
abrj-4	7	7	is	be	AUX
abrj-4	7	8	not	not	PART
abrj-4	7	9	viable	viable	ADJ
abrj-4	7	10	in	in	ADP
abrj-4	7	11	a	a	DET
abrj-4	7	12	country	country	NOUN
abrj-4	7	13	where	where	SCONJ
abrj-4	7	14	a	a	DET
abrj-4	7	15	large	large	ADJ
abrj-4	7	16	population	population	NOUN
abrj-4	7	17	lives	live	VERB
abrj-4	7	18	in	in	ADP
abrj-4	7	19	poverty	poverty	NOUN
abrj-4	7	20	.	.	PUNCT
abrj-4	8	1	it	it	PRON
abrj-4	8	2	is	be	AUX
abrj-4	8	3	recommended	recommend	VERB
abrj-4	8	4	that	that	SCONJ
abrj-4	8	5	banks	bank	NOUN
abrj-4	8	6	in	in	ADP
abrj-4	8	7	developing	develop	VERB
abrj-4	8	8	countries	country	NOUN
abrj-4	8	9	such	such	ADJ
abrj-4	8	10	as	as	ADP
abrj-4	8	11	south	south	PROPN
abrj-4	8	12	africa	africa	PROPN
abrj-4	8	13	be	be	AUX
abrj-4	8	14	more	more	ADV
abrj-4	8	15	agile	agile	ADJ
abrj-4	8	16	in	in	ADP
abrj-4	8	17	order	order	NOUN
abrj-4	8	18	to	to	PART
abrj-4	8	19	speed	speed	VERB
abrj-4	8	20	up	up	ADP
abrj-4	8	21	access	access	NOUN
abrj-4	8	22	to	to	ADP
abrj-4	8	23	finance	finance	NOUN
abrj-4	8	24	by	by	ADP
abrj-4	8	25	small	small	ADJ
abrj-4	8	26	businesses	business	NOUN
abrj-4	8	27	.	.	PUNCT
abrj-4	9	1	keywords	keyword	NOUN
abrj-4	9	2	:	:	PUNCT
abrj-4	9	3	smes	sme	NOUN
abrj-4	9	4	,	,	PUNCT
abrj-4	9	5	funding	funding	NOUN
abrj-4	9	6	,	,	PUNCT
abrj-4	9	7	loans	loan	NOUN
abrj-4	9	8	,	,	PUNCT
abrj-4	9	9	asymmetric	asymmetric	ADJ
abrj-4	9	10	information	information	NOUN
abrj-4	9	11	,	,	PUNCT
abrj-4	9	12	banks	bank	NOUN
abrj-4	9	13	,	,	PUNCT
abrj-4	9	14	relationship	relationship	NOUN
abrj-4	9	15	lending	lending	NOUN
abrj-4	9	16	.	.	PUNCT
abrj-4	10	1	jel	jel	PROPN
abrj-4	10	2	classification	classification	NOUN
abrj-4	10	3	:	:	PUNCT
abrj-4	10	4	g21	g21	PROPN
abrj-4	10	5	.	.	PUNCT
abrj-4	10	6	contribution	contribution	NOUN
abrj-4	10	7	of	of	ADP
abrj-4	10	8	this	this	DET
abrj-4	10	9	paper	paper	NOUN
abrj-4	10	10	to	to	ADP
abrj-4	10	11	the	the	DET
abrj-4	10	12	literature	literature	NOUN
abrj-4	10	13	this	this	DET
abrj-4	10	14	study	study	NOUN
abrj-4	10	15	contributes	contribute	VERB
abrj-4	10	16	to	to	ADP
abrj-4	10	17	the	the	DET
abrj-4	10	18	existing	exist	VERB
abrj-4	10	19	literature	literature	NOUN
abrj-4	10	20	by	by	ADP
abrj-4	10	21	probing	probe	VERB
abrj-4	10	22	the	the	DET
abrj-4	10	23	problems	problem	NOUN
abrj-4	10	24	with	with	ADP
abrj-4	10	25	information	information	NOUN
abrj-4	10	26	asymmetry	asymmetry	NOUN
abrj-4	10	27	between	between	ADP
abrj-4	10	28	the	the	DET
abrj-4	10	29	bank	bank	NOUN
abrj-4	10	30	and	and	CCONJ
abrj-4	10	31	small	small	ADJ
abrj-4	10	32	businesses	business	NOUN
abrj-4	10	33	,	,	PUNCT
abrj-4	10	34	towards	towards	ADP
abrj-4	10	35	a	a	DET
abrj-4	10	36	more	more	ADV
abrj-4	10	37	agile	agile	ADJ
abrj-4	10	38	solutions	solution	NOUN
abrj-4	10	39	and	and	CCONJ
abrj-4	10	40	engaged	engaged	ADJ
abrj-4	10	41	relationships	relationship	NOUN
abrj-4	10	42	.	.	PUNCT
abrj-4	11	1	1	1	X
abrj-4	11	2	.	.	X
abrj-4	11	3	introduction	introduction	NOUN
abrj-4	11	4	globally	globally	ADV
abrj-4	11	5	,	,	PUNCT
abrj-4	11	6	it	it	PRON
abrj-4	11	7	has	have	AUX
abrj-4	11	8	become	become	VERB
abrj-4	11	9	a	a	DET
abrj-4	11	10	known	know	VERB
abrj-4	11	11	phenomenon	phenomenon	NOUN
abrj-4	11	12	that	that	SCONJ
abrj-4	11	13	development	development	NOUN
abrj-4	11	14	of	of	ADP
abrj-4	11	15	small	small	ADJ
abrj-4	11	16	,	,	PUNCT
abrj-4	11	17	medium	medium	ADJ
abrj-4	11	18	and	and	CCONJ
abrj-4	11	19	micro	micro	NOUN
abrj-4	11	20	-	-	NOUN
abrj-4	11	21	enterprises	enterprise	NOUN
abrj-4	11	22	(	(	PUNCT
abrj-4	11	23	hereinafter	hereinafter	NOUN
abrj-4	11	24	referred	refer	VERB
abrj-4	11	25	to	to	ADP
abrj-4	11	26	as	as	ADP
abrj-4	11	27	“	"	PUNCT
abrj-4	11	28	smmes	smme	NOUN
abrj-4	11	29	”	"	PUNCT
abrj-4	11	30	)	)	PUNCT
abrj-4	11	31	can	can	AUX
abrj-4	11	32	significantly	significantly	ADV
abrj-4	11	33	contribute	contribute	VERB
abrj-4	11	34	to	to	ADP
abrj-4	11	35	gdp	gdp	NOUN
abrj-4	11	36	,	,	PUNCT
abrj-4	11	37	reduce	reduce	VERB
abrj-4	11	38	unemployment	unemployment	NOUN
abrj-4	11	39	and	and	CCONJ
abrj-4	11	40	promote	promote	VERB
abrj-4	11	41	social	social	ADJ
abrj-4	11	42	welfare	welfare	NOUN
abrj-4	11	43	(	(	PUNCT
abrj-4	11	44	ladzani	ladzani	NOUN
abrj-4	11	45	and	and	CCONJ
abrj-4	11	46	van	van	NOUN
abrj-4	11	47	,	,	PUNCT
abrj-4	11	48	2002	2002	NUM
abrj-4	11	49	)	)	PUNCT
abrj-4	11	50	.	.	PUNCT
abrj-4	12	1	in	in	ADP
abrj-4	12	2	south	south	PROPN
abrj-4	12	3	africa	africa	PROPN
abrj-4	12	4	,	,	PUNCT
abrj-4	12	5	“	"	PUNCT
abrj-4	12	6	research	research	NOUN
abrj-4	12	7	shows	show	VERB
abrj-4	12	8	that	that	SCONJ
abrj-4	12	9	while	while	SCONJ
abrj-4	12	10	98.5	98.5	NUM
abrj-4	12	11	%	%	NOUN
abrj-4	12	12	of	of	ADP
abrj-4	12	13	the	the	DET
abrj-4	12	14	country‟s	country‟s	ADJ
abrj-4	12	15	economy	economy	NOUN
abrj-4	12	16	is	be	AUX
abrj-4	12	17	made	make	VERB
abrj-4	12	18	up	up	ADP
abrj-4	12	19	of	of	ADP
abrj-4	12	20	smes	sme	NOUN
abrj-4	12	21	,	,	PUNCT
abrj-4	12	22	they	they	PRON
abrj-4	12	23	are	be	AUX
abrj-4	12	24	only	only	ADV
abrj-4	12	25	delivering	deliver	VERB
abrj-4	12	26	28	28	NUM
abrj-4	12	27	%	%	NOUN
abrj-4	12	28	of	of	ADP
abrj-4	12	29	all	all	DET
abrj-4	12	30	jobs	job	NOUN
abrj-4	12	31	”	"	PUNCT
abrj-4	12	32	(	(	PUNCT
abrj-4	12	33	writer	writer	NOUN
abrj-4	12	34	,	,	PUNCT
abrj-4	12	35	2018	2018	NUM
abrj-4	12	36	)	)	PUNCT
abrj-4	12	37	.	.	PUNCT
abrj-4	13	1	the	the	DET
abrj-4	13	2	small	small	PROPN
abrj-4	13	3	business	business	PROPN
abrj-4	13	4	institute	institute	PROPN
abrj-4	13	5	(	(	PUNCT
abrj-4	13	6	2018	2018	NUM
abrj-4	13	7	)	)	PUNCT
abrj-4	13	8	warns	warn	VERB
abrj-4	13	9	that	that	SCONJ
abrj-4	13	10	the	the	DET
abrj-4	13	11	national	national	PROPN
abrj-4	13	12	development	development	PROPN
abrj-4	13	13	plan‟s	plan‟s	ADP
abrj-4	13	14	goal	goal	NOUN
abrj-4	13	15	for	for	ADP
abrj-4	13	16	small	small	ADJ
abrj-4	13	17	business	business	NOUN
abrj-4	13	18	to	to	PART
abrj-4	13	19	create	create	VERB
abrj-4	13	20	90	90	NUM
abrj-4	13	21	%	%	NOUN
abrj-4	13	22	of	of	ADP
abrj-4	13	23	the	the	DET
abrj-4	13	24	jobs	job	NOUN
abrj-4	13	25	by	by	ADP
abrj-4	13	26	2030	2030	NUM
abrj-4	13	27	will	will	AUX
abrj-4	13	28	be	be	AUX
abrj-4	13	29	stillborn	stillborn	ADJ
abrj-4	13	30	,	,	PUNCT
abrj-4	13	31	unless	unless	SCONJ
abrj-4	13	32	this	this	DET
abrj-4	13	33	vital	vital	ADJ
abrj-4	13	34	segment	segment	NOUN
abrj-4	13	35	of	of	ADP
abrj-4	13	36	our	our	PRON
abrj-4	13	37	economy	economy	NOUN
abrj-4	13	38	is	be	AUX
abrj-4	13	39	properly	properly	ADV
abrj-4	13	40	understood	understand	VERB
abrj-4	13	41	.	.	PUNCT
abrj-4	14	1	south	south	PROPN
abrj-4	14	2	africa	africa	PROPN
abrj-4	14	3	,	,	PUNCT
abrj-4	14	4	like	like	ADP
abrj-4	14	5	many	many	ADJ
abrj-4	14	6	other	other	ADJ
abrj-4	14	7	countries	country	NOUN
abrj-4	14	8	,	,	PUNCT
abrj-4	14	9	has	have	AUX
abrj-4	14	10	identified	identify	VERB
abrj-4	14	11	developing	develop	VERB
abrj-4	14	12	small	small	ADJ
abrj-4	14	13	businesses	business	NOUN
abrj-4	14	14	as	as	ADP
abrj-4	14	15	one	one	NUM
abrj-4	14	16	of	of	ADP
abrj-4	14	17	the	the	DET
abrj-4	14	18	significant	significant	ADJ
abrj-4	14	19	solutions	solution	NOUN
abrj-4	14	20	to	to	ADP
abrj-4	14	21	developmental	developmental	ADJ
abrj-4	14	22	issues	issue	NOUN
abrj-4	14	23	(	(	PUNCT
abrj-4	14	24	herrington	herrington	PROPN
abrj-4	14	25	et	et	PROPN
abrj-4	14	26	al	al	PROPN
abrj-4	14	27	.	.	PROPN
abrj-4	14	28	,	,	PUNCT
abrj-4	14	29	2009	2009	NUM
abrj-4	14	30	)	)	PUNCT
abrj-4	14	31	.	.	PUNCT
abrj-4	15	1	however	however	ADV
abrj-4	15	2	,	,	PUNCT
abrj-4	15	3	the	the	DET
abrj-4	15	4	75	75	NUM
abrj-4	15	5	%	%	NOUN
abrj-4	15	6	failure	failure	NOUN
abrj-4	15	7	rate	rate	NOUN
abrj-4	15	8	is	be	AUX
abrj-4	15	9	alarming	alarming	ADJ
abrj-4	15	10	and	and	CCONJ
abrj-4	15	11	one	one	NUM
abrj-4	15	12	of	of	ADP
abrj-4	15	13	the	the	DET
abrj-4	15	14	highest	high	ADJ
abrj-4	15	15	in	in	ADP
abrj-4	15	16	the	the	DET
abrj-4	15	17	world	world	NOUN
abrj-4	15	18	(	(	PUNCT
abrj-4	15	19	olawale	olawale	NOUN
abrj-4	15	20	and	and	CCONJ
abrj-4	15	21	garwe	garwe	NOUN
abrj-4	15	22	,	,	PUNCT
abrj-4	15	23	2010	2010	NUM
abrj-4	15	24	)	)	PUNCT
abrj-4	15	25	.	.	PUNCT
abrj-4	16	1	south	south	PROPN
abrj-4	16	2	africa	africa	PROPN
abrj-4	16	3	has	have	VERB
abrj-4	16	4	many	many	ADJ
abrj-4	16	5	enabling	enable	VERB
abrj-4	16	6	factors	factor	NOUN
abrj-4	16	7	for	for	ADP
abrj-4	16	8	business	business	NOUN
abrj-4	16	9	development	development	NOUN
abrj-4	16	10	,	,	PUNCT
abrj-4	16	11	but	but	CCONJ
abrj-4	16	12	smaller	small	ADJ
abrj-4	16	13	businesses	business	NOUN
abrj-4	16	14	do	do	AUX
abrj-4	16	15	not	not	PART
abrj-4	16	16	prosper	prosper	VERB
abrj-4	16	17	,	,	PUNCT
abrj-4	16	18	as	as	SCONJ
abrj-4	16	19	intended	intend	VERB
abrj-4	16	20	.	.	PUNCT
abrj-4	17	1	the	the	DET
abrj-4	17	2	president	president	NOUN
abrj-4	17	3	of	of	ADP
abrj-4	17	4	south	south	PROPN
abrj-4	17	5	africa	africa	PROPN
abrj-4	17	6	mr	mr	PROPN
abrj-4	17	7	cyril	cyril	PROPN
abrj-4	17	8	ramaphosa	ramaphosa	PROPN
abrj-4	17	9	(	(	PUNCT
abrj-4	17	10	the	the	DET
abrj-4	17	11	presidency	presidency	NOUN
abrj-4	17	12	,	,	PUNCT
abrj-4	17	13	2019	2019	NUM
abrj-4	17	14	)	)	PUNCT
abrj-4	17	15	has	have	AUX
abrj-4	17	16	asserted	assert	VERB
abrj-4	17	17	that	that	SCONJ
abrj-4	17	18	,	,	PUNCT
abrj-4	17	19	“	"	PUNCT
abrj-4	17	20	the	the	DET
abrj-4	17	21	growth	growth	NOUN
abrj-4	17	22	of	of	ADP
abrj-4	17	23	our	our	PRON
abrj-4	17	24	economy	economy	NOUN
abrj-4	17	25	will	will	AUX
abrj-4	17	26	be	be	AUX
abrj-4	17	27	sustained	sustain	VERB
abrj-4	17	28	by	by	ADP
abrj-4	17	29	small	small	ADJ
abrj-4	17	30	businesses	business	NOUN
abrj-4	17	31	,	,	PUNCT
abrj-4	17	32	as	as	ADP
abrj-4	17	33	in	in	ADP
abrj-4	17	34	the	the	DET
abrj-4	17	35	case	case	NOUN
abrj-4	17	36	of	of	ADP
abrj-4	17	37	many	many	ADJ
abrj-4	17	38	countries	country	NOUN
abrj-4	17	39	”	"	PUNCT
abrj-4	17	40	.	.	PUNCT
abrj-4	18	1	the	the	DET
abrj-4	18	2	researcher	researcher	NOUN
abrj-4	18	3	is	be	AUX
abrj-4	18	4	of	of	ADP
abrj-4	18	5	the	the	DET
abrj-4	18	6	view	view	NOUN
abrj-4	18	7	that	that	SCONJ
abrj-4	18	8	given	give	VERB
abrj-4	18	9	the	the	DET
abrj-4	18	10	existence	existence	NOUN
abrj-4	18	11	of	of	ADP
abrj-4	18	12	the	the	DET
abrj-4	18	13	right	right	ADJ
abrj-4	18	14	conditions	condition	NOUN
abrj-4	18	15	(	(	PUNCT
abrj-4	18	16	milieu	milieu	NOUN
abrj-4	18	17	)	)	PUNCT
abrj-4	18	18	,	,	PUNCT
abrj-4	18	19	a	a	DET
abrj-4	18	20	well	well	ADV
abrj-4	18	21	-	-	PUNCT
abrj-4	18	22	articulated	articulate	VERB
abrj-4	18	23	sme	sme	NOUN
abrj-4	18	24	community	community	NOUN
abrj-4	18	25	has	have	VERB
abrj-4	18	26	the	the	DET
abrj-4	18	27	capacity	capacity	NOUN
abrj-4	18	28	to	to	PART
abrj-4	18	29	,	,	PUNCT
abrj-4	18	30	and	and	CCONJ
abrj-4	18	31	dynamic	dynamic	ADJ
abrj-4	18	32	transformational	transformational	ADJ
abrj-4	18	33	power	power	NOUN
abrj-4	18	34	in	in	ADP
abrj-4	18	35	stimulating	stimulate	VERB
abrj-4	18	36	socio	socio	NOUN
abrj-4	18	37	economic	economic	ADJ
abrj-4	18	38	growth	growth	NOUN
abrj-4	18	39	.	.	PUNCT
abrj-4	19	1	one	one	NUM
abrj-4	19	2	of	of	ADP
abrj-4	19	3	the	the	DET
abrj-4	19	4	most	most	ADV
abrj-4	19	5	cited	cite	VERB
abrj-4	19	6	obstacles	obstacle	NOUN
abrj-4	19	7	to	to	PART
abrj-4	19	8	smme	smme	NOUN
abrj-4	19	9	sustenance	sustenance	NOUN
abrj-4	19	10	and	and	CCONJ
abrj-4	19	11	growth	growth	NOUN
abrj-4	19	12	,	,	PUNCT
abrj-4	19	13	is	be	AUX
abrj-4	19	14	access	access	NOUN
abrj-4	19	15	to	to	ADP
abrj-4	19	16	finance	finance	NOUN
abrj-4	19	17	(	(	PUNCT
abrj-4	19	18	olawale	olawale	NOUN
abrj-4	19	19	and	and	CCONJ
abrj-4	19	20	garwe	garwe	NOUN
abrj-4	19	21	,	,	PUNCT
abrj-4	19	22	2010	2010	NUM
abrj-4	19	23	)	)	PUNCT
abrj-4	19	24	.	.	PUNCT
abrj-4	20	1	other	other	ADJ
abrj-4	20	2	factors	factor	NOUN
abrj-4	20	3	include	include	VERB
abrj-4	20	4	market	market	NOUN
abrj-4	20	5	access	access	NOUN
abrj-4	20	6	and	and	CCONJ
abrj-4	20	7	lack	lack	NOUN
abrj-4	20	8	of	of	ADP
abrj-4	20	9	management	management	NOUN
abrj-4	20	10	and	and	CCONJ
abrj-4	20	11	skills	skill	NOUN
abrj-4	20	12	(	(	PUNCT
abrj-4	20	13	ministry	ministry	NOUN
abrj-4	20	14	of	of	ADP
abrj-4	20	15	trade	trade	NOUN
abrj-4	20	16	and	and	CCONJ
abrj-4	20	17	industry	industry	NOUN
abrj-4	20	18	,	,	PUNCT
abrj-4	20	19	1994	1994	NUM
abrj-4	20	20	)	)	PUNCT
abrj-4	20	21	.	.	PUNCT
abrj-4	21	1	financial	financial	ADJ
abrj-4	21	2	institutions	institution	NOUN
abrj-4	21	3	have	have	AUX
abrj-4	21	4	traditionally	traditionally	ADV
abrj-4	21	5	been	be	AUX
abrj-4	21	6	risk	risk	NOUN
abrj-4	21	7	averse	averse	ADJ
abrj-4	21	8	to	to	ADP
abrj-4	21	9	offering	offer	VERB
abrj-4	21	10	finance	finance	NOUN
abrj-4	21	11	and	and	CCONJ
abrj-4	21	12	other	other	ADJ
abrj-4	21	13	services	service	NOUN
abrj-4	21	14	to	to	ADP
abrj-4	21	15	the	the	DET
abrj-4	21	16	often	often	ADV
abrj-4	21	17	fragmented	fragment	VERB
abrj-4	21	18	,	,	PUNCT
abrj-4	21	19	risky	risky	ADJ
abrj-4	21	20	and	and	CCONJ
abrj-4	21	21	geographically	geographically	ADV
abrj-4	21	22	micro	micro	ADJ
abrj-4	21	23	and	and	CCONJ
abrj-4	21	24	small	small	ADJ
abrj-4	21	25	businesses	business	NOUN
abrj-4	21	26	(	(	PUNCT
abrj-4	21	27	mti	mti	NOUN
abrj-4	21	28	,	,	PUNCT
abrj-4	21	29	1994	1994	NUM
abrj-4	21	30	)	)	PUNCT
abrj-4	21	31	.	.	PUNCT
abrj-4	22	1	the	the	DET
abrj-4	22	2	world	world	NOUN
abrj-4	22	3	economic	economic	ADJ
abrj-4	22	4	report	report	NOUN
abrj-4	22	5	(	(	PUNCT
abrj-4	22	6	schwab	schwab	NOUN
abrj-4	22	7	,	,	PUNCT
abrj-4	22	8	2017	2017	NUM
abrj-4	22	9	)	)	PUNCT
abrj-4	22	10	released	release	VERB
abrj-4	22	11	the	the	DET
abrj-4	22	12	statistics	statistic	NOUN
abrj-4	22	13	figure	figure	NOUN
abrj-4	22	14	1	1	NUM
abrj-4	22	15	,	,	PUNCT
abrj-4	22	16	about	about	ADP
abrj-4	22	17	obstacles	obstacle	NOUN
abrj-4	22	18	that	that	PRON
abrj-4	22	19	are	be	AUX
abrj-4	22	20	faced	face	VERB
abrj-4	22	21	by	by	ADP
abrj-4	22	22	businesses	business	NOUN
abrj-4	22	23	in	in	ADP
abrj-4	22	24	south	south	PROPN
abrj-4	22	25	africa	africa	PROPN
abrj-4	22	26	and	and	CCONJ
abrj-4	22	27	access	access	NOUN
abrj-4	22	28	to	to	ADP
abrj-4	22	29	finance	finance	NOUN
abrj-4	22	30	is	be	AUX
abrj-4	22	31	cited	cite	VERB
abrj-4	22	32	as	as	ADP
abrj-4	22	33	the	the	DET
abrj-4	22	34	10th	10th	NOUN
abrj-4	22	35	out	out	ADP
abrj-4	22	36	of	of	ADP
abrj-4	22	37	16	16	NUM
abrj-4	22	38	factors	factor	NOUN
abrj-4	22	39	that	that	PRON
abrj-4	22	40	are	be	AUX
abrj-4	22	41	problematic	problematic	ADJ
abrj-4	22	42	to	to	ADP
abrj-4	22	43	businesses	business	NOUN
abrj-4	22	44	in	in	ADP
abrj-4	22	45	south	south	PROPN
abrj-4	22	46	africa	africa	PROPN
abrj-4	22	47	.	.	PUNCT
abrj-4	23	1	this	this	DET
abrj-4	23	2	report	report	NOUN
abrj-4	23	3	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.518.2019.41.29.34&domain=pdf&date_stamp=2017-01-14	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.518.2019.41.29.34&domain=pdf&date_stamp=2017-01-14	NOUN
abrj-4	23	4	http://ecsenet.com/index.php/2576-6759/article/view/4	http://ecsenet.com/index.php/2576-6759/article/view/4	PROPN
abrj-4	23	5	asian	asian	ADJ
abrj-4	23	6	business	business	PROPN
abrj-4	23	7	research	research	NOUN
abrj-4	23	8	journal	journal	NOUN
abrj-4	23	9	,	,	PUNCT
abrj-4	23	10	2019	2019	NUM
abrj-4	23	11	,	,	PUNCT
abrj-4	23	12	4	4	NUM
abrj-4	23	13	:	:	SYM
abrj-4	23	14	29	29	NUM
abrj-4	23	15	-	-	SYM
abrj-4	23	16	34	34	NUM
abrj-4	23	17	30	30	NUM
abrj-4	23	18	©	©	PROPN
abrj-4	23	19	2019	2019	NUM
abrj-4	23	20	by	by	ADP
abrj-4	23	21	the	the	DET
abrj-4	23	22	authors	author	NOUN
abrj-4	23	23	;	;	PUNCT
abrj-4	23	24	licensee	licensee	NOUN
abrj-4	23	25	eastern	eastern	ADJ
abrj-4	23	26	centre	centre	NOUN
abrj-4	23	27	of	of	ADP
abrj-4	23	28	science	science	NOUN
abrj-4	23	29	and	and	CCONJ
abrj-4	23	30	education	education	NOUN
abrj-4	23	31	,	,	PUNCT
abrj-4	23	32	usa	usa	PROPN
abrj-4	23	33	is	be	AUX
abrj-4	23	34	based	base	VERB
abrj-4	23	35	on	on	ADP
abrj-4	23	36	all	all	DET
abrj-4	23	37	businesses	business	NOUN
abrj-4	23	38	,	,	PUNCT
abrj-4	23	39	not	not	PART
abrj-4	23	40	only	only	ADV
abrj-4	23	41	to	to	ADP
abrj-4	23	42	small	small	ADJ
abrj-4	23	43	businesses	business	NOUN
abrj-4	23	44	;	;	PUNCT
abrj-4	23	45	to	to	ADP
abrj-4	23	46	small	small	ADJ
abrj-4	23	47	businesses	business	NOUN
abrj-4	23	48	perhaps	perhaps	ADV
abrj-4	23	49	;	;	PUNCT
abrj-4	23	50	access	access	NOUN
abrj-4	23	51	to	to	ADP
abrj-4	23	52	finance	finance	NOUN
abrj-4	23	53	would	would	AUX
abrj-4	23	54	be	be	AUX
abrj-4	23	55	further	far	ADV
abrj-4	23	56	up	up	ADV
abrj-4	23	57	than	than	ADP
abrj-4	23	58	10th	10th	ADJ
abrj-4	23	59	.	.	PUNCT
abrj-4	24	1	figure-1	figure-1	NOUN
abrj-4	24	2	.	.	PUNCT
abrj-4	25	1	most	most	ADJ
abrj-4	25	2	problematic	problematic	ADJ
abrj-4	25	3	factors	factor	NOUN
abrj-4	25	4	for	for	ADP
abrj-4	25	5	doing	do	VERB
abrj-4	25	6	business	business	NOUN
abrj-4	25	7	in	in	ADP
abrj-4	25	8	south	south	PROPN
abrj-4	25	9	africa	africa	PROPN
abrj-4	25	10	.	.	PUNCT
abrj-4	26	1	source	source	NOUN
abrj-4	26	2	:	:	PUNCT
abrj-4	26	3	schwab	schwab	PROPN
abrj-4	26	4	(	(	PUNCT
abrj-4	26	5	2017	2017	NUM
abrj-4	26	6	)	)	PUNCT
abrj-4	26	7	.	.	PUNCT
abrj-4	27	1	it	it	PRON
abrj-4	27	2	is	be	AUX
abrj-4	27	3	against	against	ADP
abrj-4	27	4	the	the	DET
abrj-4	27	5	above	above	ADJ
abrj-4	27	6	background	background	NOUN
abrj-4	27	7	that	that	SCONJ
abrj-4	27	8	this	this	DET
abrj-4	27	9	paper	paper	NOUN
abrj-4	27	10	explores	explore	VERB
abrj-4	27	11	the	the	DET
abrj-4	27	12	extent	extent	NOUN
abrj-4	27	13	of	of	ADP
abrj-4	27	14	the	the	DET
abrj-4	27	15	relationship	relationship	NOUN
abrj-4	27	16	between	between	ADP
abrj-4	27	17	banks	bank	NOUN
abrj-4	27	18	and	and	CCONJ
abrj-4	27	19	smes	sme	NOUN
abrj-4	27	20	and	and	CCONJ
abrj-4	27	21	to	to	PART
abrj-4	27	22	determine	determine	VERB
abrj-4	27	23	if	if	SCONJ
abrj-4	27	24	the	the	DET
abrj-4	27	25	relationship	relationship	NOUN
abrj-4	27	26	is	be	AUX
abrj-4	27	27	a	a	DET
abrj-4	27	28	determinant	determinant	NOUN
abrj-4	27	29	of	of	ADP
abrj-4	27	30	granting	grant	VERB
abrj-4	27	31	loans	loan	NOUN
abrj-4	27	32	.	.	PUNCT
abrj-4	28	1	it	it	PRON
abrj-4	28	2	uses	use	VERB
abrj-4	28	3	qualitative	qualitative	ADJ
abrj-4	28	4	interviews	interview	NOUN
abrj-4	28	5	and	and	CCONJ
abrj-4	28	6	attempts	attempt	NOUN
abrj-4	28	7	to	to	PART
abrj-4	28	8	discover	discover	VERB
abrj-4	28	9	what	what	PRON
abrj-4	28	10	relationships	relationship	NOUN
abrj-4	28	11	exist	exist	VERB
abrj-4	28	12	between	between	ADP
abrj-4	28	13	the	the	DET
abrj-4	28	14	small	small	ADJ
abrj-4	28	15	businesses	business	NOUN
abrj-4	28	16	and	and	CCONJ
abrj-4	28	17	banks	bank	NOUN
abrj-4	28	18	,	,	PUNCT
abrj-4	28	19	in	in	ADP
abrj-4	28	20	khayelitsha	khayelitsha	PROPN
abrj-4	28	21	,	,	PUNCT
abrj-4	28	22	cape	cape	NOUN
abrj-4	28	23	town	town	NOUN
abrj-4	28	24	,	,	PUNCT
abrj-4	28	25	south	south	PROPN
abrj-4	28	26	africa	africa	PROPN
abrj-4	28	27	.	.	PUNCT
abrj-4	29	1	2	2	X
abrj-4	29	2	.	.	X
abrj-4	29	3	literature	literature	PROPN
abrj-4	29	4	review	review	PROPN
abrj-4	29	5	berger	berger	PROPN
abrj-4	29	6	and	and	CCONJ
abrj-4	29	7	udell	udell	PROPN
abrj-4	29	8	(	(	PUNCT
abrj-4	29	9	1998	1998	NUM
abrj-4	29	10	)	)	PUNCT
abrj-4	29	11	draw	draw	VERB
abrj-4	29	12	attention	attention	NOUN
abrj-4	29	13	to	to	ADP
abrj-4	29	14	four	four	NUM
abrj-4	29	15	main	main	ADJ
abrj-4	29	16	lending	lending	NOUN
abrj-4	29	17	methods	method	NOUN
abrj-4	29	18	,	,	PUNCT
abrj-4	29	19	namely	namely	ADV
abrj-4	29	20	,	,	PUNCT
abrj-4	29	21	financial	financial	ADJ
abrj-4	29	22	statement	statement	NOUN
abrj-4	29	23	lending	lending	NOUN
abrj-4	29	24	,	,	PUNCT
abrj-4	29	25	asset	asset	NOUN
abrj-4	29	26	-	-	PUNCT
abrj-4	29	27	based	base	VERB
abrj-4	29	28	lending	lending	NOUN
abrj-4	29	29	,	,	PUNCT
abrj-4	29	30	credit	credit	NOUN
abrj-4	29	31	scoring	scoring	NOUN
abrj-4	29	32	lending	lending	NOUN
abrj-4	29	33	and	and	CCONJ
abrj-4	29	34	relationship	relationship	NOUN
abrj-4	29	35	lending	lending	NOUN
abrj-4	29	36	.	.	PUNCT
abrj-4	30	1	the	the	DET
abrj-4	30	2	first	first	ADJ
abrj-4	30	3	three	three	NUM
abrj-4	30	4	are	be	AUX
abrj-4	30	5	based	base	VERB
abrj-4	30	6	on	on	ADP
abrj-4	30	7	“	"	PUNCT
abrj-4	30	8	hard	hard	ADJ
abrj-4	30	9	”	"	PUNCT
abrj-4	30	10	information	information	NOUN
abrj-4	30	11	and	and	CCONJ
abrj-4	30	12	the	the	DET
abrj-4	30	13	last	last	ADJ
abrj-4	30	14	one	one	NUM
abrj-4	30	15	places	place	NOUN
abrj-4	30	16	great	great	ADJ
abrj-4	30	17	emphasis	emphasis	NOUN
abrj-4	30	18	on	on	ADP
abrj-4	30	19	“	"	PUNCT
abrj-4	30	20	soft	soft	ADJ
abrj-4	30	21	information	information	NOUN
abrj-4	30	22	”	"	PUNCT
abrj-4	30	23	on	on	ADP
abrj-4	30	24	a	a	DET
abrj-4	30	25	relationship	relationship	NOUN
abrj-4	30	26	established	establish	VERB
abrj-4	30	27	by	by	ADP
abrj-4	30	28	a	a	DET
abrj-4	30	29	bank	bank	NOUN
abrj-4	30	30	with	with	ADP
abrj-4	30	31	the	the	DET
abrj-4	30	32	sme	sme	PROPN
abrj-4	30	33	.	.	PUNCT
abrj-4	31	1	financial	financial	ADJ
abrj-4	31	2	statement	statement	NOUN
abrj-4	31	3	lending	lending	NOUN
abrj-4	31	4	refers	refer	VERB
abrj-4	31	5	to	to	ADP
abrj-4	31	6	lending	lending	NOUN
abrj-4	31	7	based	base	VERB
abrj-4	31	8	on	on	ADP
abrj-4	31	9	information	information	NOUN
abrj-4	31	10	extracted	extract	VERB
abrj-4	31	11	from	from	ADP
abrj-4	31	12	financial	financial	ADJ
abrj-4	31	13	statements	statement	NOUN
abrj-4	31	14	,	,	PUNCT
abrj-4	31	15	and	and	CCONJ
abrj-4	31	16	asset	asset	NOUN
abrj-4	31	17	-	-	PUNCT
abrj-4	31	18	based	base	VERB
abrj-4	31	19	lending	lending	NOUN
abrj-4	31	20	emphasises	emphasise	VERB
abrj-4	31	21	the	the	DET
abrj-4	31	22	collateral	collateral	NOUN
abrj-4	31	23	made	make	VERB
abrj-4	31	24	available	available	ADJ
abrj-4	31	25	by	by	ADP
abrj-4	31	26	the	the	DET
abrj-4	31	27	firm	firm	NOUN
abrj-4	31	28	,	,	PUNCT
abrj-4	31	29	whereas	whereas	SCONJ
abrj-4	31	30	credit	credit	NOUN
abrj-4	31	31	scoring	scoring	NOUN
abrj-4	31	32	uses	use	VERB
abrj-4	31	33	statistical	statistical	ADJ
abrj-4	31	34	modelling	modelling	NOUN
abrj-4	31	35	and	and	CCONJ
abrj-4	31	36	more	more	ADV
abrj-4	31	37	so	so	ADV
abrj-4	31	38	includes	include	VERB
abrj-4	31	39	the	the	DET
abrj-4	31	40	financial	financial	ADJ
abrj-4	31	41	state	state	NOUN
abrj-4	31	42	and	and	CCONJ
abrj-4	31	43	history	history	NOUN
abrj-4	31	44	of	of	ADP
abrj-4	31	45	the	the	DET
abrj-4	31	46	business	business	NOUN
abrj-4	31	47	owner	owner	NOUN
abrj-4	31	48	.	.	PUNCT
abrj-4	32	1	relationship	relationship	NOUN
abrj-4	32	2	lending	lending	NOUN
abrj-4	32	3	is	be	AUX
abrj-4	32	4	lending	lending	NOUN
abrj-4	32	5	that	that	PRON
abrj-4	32	6	is	be	AUX
abrj-4	32	7	based	base	VERB
abrj-4	32	8	on	on	ADP
abrj-4	32	9	proprietary	proprietary	ADJ
abrj-4	32	10	information	information	NOUN
abrj-4	32	11	about	about	ADP
abrj-4	32	12	the	the	DET
abrj-4	32	13	business	business	NOUN
abrj-4	32	14	and	and	CCONJ
abrj-4	32	15	its	its	PRON
abrj-4	32	16	owner	owner	NOUN
abrj-4	32	17	,	,	PUNCT
abrj-4	32	18	over	over	ADP
abrj-4	32	19	time	time	NOUN
abrj-4	32	20	,	,	PUNCT
abrj-4	32	21	which	which	DET
abrj-4	32	22	“	"	PUNCT
abrj-4	32	23	soft	soft	ADJ
abrj-4	32	24	”	"	PUNCT
abrj-4	32	25	information	information	NOUN
abrj-4	32	26	can	can	AUX
abrj-4	32	27	be	be	AUX
abrj-4	32	28	gathered	gather	VERB
abrj-4	32	29	through	through	ADP
abrj-4	32	30	interaction	interaction	NOUN
abrj-4	32	31	with	with	ADP
abrj-4	32	32	the	the	DET
abrj-4	32	33	community	community	NOUN
abrj-4	32	34	for	for	ADP
abrj-4	32	35	example	example	NOUN
abrj-4	32	36	,	,	PUNCT
abrj-4	32	37	the	the	DET
abrj-4	32	38	customers‟	customers‟	NOUN
abrj-4	32	39	and	and	CCONJ
abrj-4	32	40	suppliers‟	suppliers‟	NOUN
abrj-4	32	41	knowledge	knowledge	NOUN
abrj-4	32	42	of	of	ADP
abrj-4	32	43	the	the	DET
abrj-4	32	44	owner	owner	NOUN
abrj-4	32	45	,	,	PUNCT
abrj-4	32	46	business	business	NOUN
abrj-4	32	47	and	and	CCONJ
abrj-4	32	48	its	its	PRON
abrj-4	32	49	environment	environment	NOUN
abrj-4	32	50	.	.	PUNCT
abrj-4	33	1	this	this	DET
abrj-4	33	2	information	information	NOUN
abrj-4	33	3	may	may	AUX
abrj-4	33	4	be	be	AUX
abrj-4	33	5	more	more	ADV
abrj-4	33	6	important	important	ADJ
abrj-4	33	7	to	to	ADP
abrj-4	33	8	financial	financial	ADJ
abrj-4	33	9	statements	statement	NOUN
abrj-4	33	10	,	,	PUNCT
abrj-4	33	11	collateral	collateral	NOUN
abrj-4	33	12	and	and	CCONJ
abrj-4	33	13	credit	credit	NOUN
abrj-4	33	14	scores	score	NOUN
abrj-4	33	15	.	.	PUNCT
abrj-4	34	1	post	post	NOUN
abrj-4	34	2	1994	1994	NUM
abrj-4	34	3	,	,	PUNCT
abrj-4	34	4	south	south	PROPN
abrj-4	34	5	africa	africa	PROPN
abrj-4	34	6	was	be	AUX
abrj-4	34	7	challenge	challenge	NOUN
abrj-4	34	8	to	to	PART
abrj-4	34	9	address	address	VERB
abrj-4	34	10	the	the	DET
abrj-4	34	11	triple	triple	ADJ
abrj-4	34	12	challenges	challenge	NOUN
abrj-4	34	13	of	of	ADP
abrj-4	34	14	poverty	poverty	NOUN
abrj-4	34	15	,	,	PUNCT
abrj-4	34	16	unemployment	unemployment	NOUN
abrj-4	34	17	and	and	CCONJ
abrj-4	34	18	inequality	inequality	NOUN
abrj-4	34	19	,	,	PUNCT
abrj-4	34	20	and	and	CCONJ
abrj-4	34	21	smmes	smme	NOUN
abrj-4	34	22	presented	present	VERB
abrj-4	34	23	the	the	DET
abrj-4	34	24	potential	potential	NOUN
abrj-4	34	25	to	to	PART
abrj-4	34	26	contribute	contribute	VERB
abrj-4	34	27	to	to	ADP
abrj-4	34	28	addressing	address	VERB
abrj-4	34	29	the	the	DET
abrj-4	34	30	aforementioned	aforementioned	ADJ
abrj-4	34	31	challenges	challenge	NOUN
abrj-4	34	32	thorough	thorough	ADJ
abrj-4	34	33	contributing	contribute	VERB
abrj-4	34	34	to	to	ADP
abrj-4	34	35	economic	economic	ADJ
abrj-4	34	36	growth	growth	NOUN
abrj-4	34	37	and	and	CCONJ
abrj-4	34	38	international	international	ADJ
abrj-4	34	39	competitiveness	competitiveness	NOUN
abrj-4	34	40	.	.	PUNCT
abrj-4	35	1	it	it	PRON
abrj-4	35	2	has	have	AUX
abrj-4	35	3	been	be	AUX
abrj-4	35	4	documented	document	VERB
abrj-4	35	5	that	that	SCONJ
abrj-4	35	6	south	south	ADJ
abrj-4	35	7	africa‟s	africa‟	NOUN
abrj-4	35	8	smmes	smme	NOUN
abrj-4	35	9	contribute	contribute	VERB
abrj-4	35	10	56	56	NUM
abrj-4	35	11	%	%	NOUN
abrj-4	35	12	of	of	ADP
abrj-4	35	13	private	private	ADJ
abrj-4	35	14	sector	sector	NOUN
abrj-4	35	15	employment	employment	NOUN
abrj-4	35	16	(	(	PUNCT
abrj-4	35	17	ntsika	ntsika	X
abrj-4	35	18	,	,	PUNCT
abrj-4	35	19	2002	2002	NUM
abrj-4	35	20	)	)	PUNCT
abrj-4	35	21	and	and	CCONJ
abrj-4	35	22	27	27	NUM
abrj-4	35	23	-	-	SYM
abrj-4	35	24	34	34	NUM
abrj-4	35	25	%	%	NOUN
abrj-4	35	26	of	of	ADP
abrj-4	35	27	the	the	DET
abrj-4	35	28	gdp	gdp	NOUN
abrj-4	35	29	in	in	ADP
abrj-4	35	30	2006	2006	NUM
abrj-4	35	31	(	(	PUNCT
abrj-4	35	32	department	department	NOUN
abrj-4	35	33	of	of	ADP
abrj-4	35	34	trade	trade	NOUN
abrj-4	35	35	and	and	CCONJ
abrj-4	35	36	industry	industry	NOUN
abrj-4	35	37	,	,	PUNCT
abrj-4	35	38	2008	2008	NUM
abrj-4	35	39	)	)	PUNCT
abrj-4	35	40	.	.	PUNCT
abrj-4	36	1	according	accord	VERB
abrj-4	36	2	to	to	ADP
abrj-4	36	3	ladzani	ladzani	NOUN
abrj-4	36	4	and	and	CCONJ
abrj-4	36	5	van	van	PROPN
abrj-4	36	6	(	(	PUNCT
abrj-4	36	7	2002	2002	NUM
abrj-4	36	8	)	)	PUNCT
abrj-4	36	9	in	in	ADP
abrj-4	36	10	south	south	PROPN
abrj-4	36	11	africa	africa	PROPN
abrj-4	36	12	,	,	PUNCT
abrj-4	36	13	smmes	smme	NOUN
abrj-4	36	14	have	have	AUX
abrj-4	36	15	been	be	AUX
abrj-4	36	16	highlighted	highlight	VERB
abrj-4	36	17	for	for	ADP
abrj-4	36	18	employing	employ	VERB
abrj-4	36	19	approximately	approximately	ADV
abrj-4	36	20	17	17	NUM
abrj-4	36	21	%	%	NOUN
abrj-4	36	22	(	(	PUNCT
abrj-4	36	23	2.4	2.4	NUM
abrj-4	36	24	million	million	NUM
abrj-4	36	25	)	)	PUNCT
abrj-4	36	26	of	of	ADP
abrj-4	36	27	the	the	DET
abrj-4	36	28	total	total	NOUN
abrj-4	36	29	of	of	ADP
abrj-4	36	30	14.3	14.3	NUM
abrj-4	36	31	million	million	NUM
abrj-4	36	32	economically	economically	ADV
abrj-4	36	33	-	-	PUNCT
abrj-4	36	34	active	active	ADJ
abrj-4	36	35	population	population	NOUN
abrj-4	36	36	.	.	PUNCT
abrj-4	37	1	this	this	DET
abrj-4	37	2	employment	employment	NOUN
abrj-4	37	3	has	have	AUX
abrj-4	37	4	,	,	PUNCT
abrj-4	37	5	however	however	ADV
abrj-4	37	6	,	,	PUNCT
abrj-4	37	7	been	be	AUX
abrj-4	37	8	negated	negate	VERB
abrj-4	37	9	by	by	ADP
abrj-4	37	10	the	the	DET
abrj-4	37	11	persistent	persistent	ADJ
abrj-4	37	12	unemployment	unemployment	NOUN
abrj-4	37	13	rate	rate	NOUN
abrj-4	37	14	which	which	PRON
abrj-4	37	15	in	in	ADP
abrj-4	37	16	2013	2013	NUM
abrj-4	37	17	was	be	AUX
abrj-4	37	18	25.2	25.2	NUM
abrj-4	37	19	%	%	NOUN
abrj-4	37	20	(	(	PUNCT
abrj-4	37	21	statistics	statistics	PROPN
abrj-4	37	22	south	south	PROPN
abrj-4	37	23	africa	africa	PROPN
abrj-4	37	24	(	(	PUNCT
abrj-4	37	25	ssa	ssa	PROPN
abrj-4	37	26	)	)	PUNCT
abrj-4	37	27	,	,	PUNCT
abrj-4	37	28	2013	2013	NUM
abrj-4	37	29	)	)	PUNCT
abrj-4	37	30	.	.	PUNCT
abrj-4	38	1	economic	economic	ADJ
abrj-4	38	2	growth	growth	NOUN
abrj-4	38	3	has	have	AUX
abrj-4	38	4	increased	increase	VERB
abrj-4	38	5	in	in	ADP
abrj-4	38	6	recent	recent	ADJ
abrj-4	38	7	years	year	NOUN
abrj-4	38	8	,	,	PUNCT
abrj-4	38	9	however	however	ADV
abrj-4	38	10	it	it	PRON
abrj-4	38	11	has	have	AUX
abrj-4	38	12	not	not	PART
abrj-4	38	13	proved	prove	VERB
abrj-4	38	14	sufficient	sufficient	ADJ
abrj-4	38	15	to	to	PART
abrj-4	38	16	significantly	significantly	ADV
abrj-4	38	17	curb	curb	VERB
abrj-4	38	18	unemployment	unemployment	NOUN
abrj-4	38	19	.	.	PUNCT
abrj-4	39	1	employment	employment	NOUN
abrj-4	39	2	growth	growth	NOUN
abrj-4	39	3	is	be	AUX
abrj-4	39	4	also	also	ADV
abrj-4	39	5	negatively	negatively	ADV
abrj-4	39	6	affected	affect	VERB
abrj-4	39	7	by	by	ADP
abrj-4	39	8	;	;	PUNCT
abrj-4	39	9	skills	skill	NOUN
abrj-4	39	10	shortage	shortage	NOUN
abrj-4	39	11	,	,	PUNCT
abrj-4	39	12	limited	limited	ADJ
abrj-4	39	13	entrepreneurial	entrepreneurial	ADJ
abrj-4	39	14	capacity	capacity	NOUN
abrj-4	39	15	(	(	PUNCT
abrj-4	39	16	dti	dti	PROPN
abrj-4	39	17	,	,	PUNCT
abrj-4	39	18	2008	2008	NUM
abrj-4	39	19	)	)	PUNCT
abrj-4	39	20	.	.	PUNCT
abrj-4	40	1	table	table	NOUN
abrj-4	40	2	1	1	NUM
abrj-4	40	3	reflects	reflect	VERB
abrj-4	40	4	that	that	SCONJ
abrj-4	40	5	between	between	ADP
abrj-4	40	6	2004	2004	NUM
abrj-4	40	7	and	and	CCONJ
abrj-4	40	8	2007	2007	NUM
abrj-4	40	9	,	,	PUNCT
abrj-4	40	10	the	the	DET
abrj-4	40	11	smme	smme	NOUN
abrj-4	40	12	sector	sector	NOUN
abrj-4	40	13	grew	grow	VERB
abrj-4	40	14	by	by	ADP
abrj-4	40	15	27	27	NUM
abrj-4	40	16	%	%	NOUN
abrj-4	40	17	in	in	ADP
abrj-4	40	18	terms	term	NOUN
abrj-4	40	19	of	of	ADP
abrj-4	40	20	the	the	DET
abrj-4	40	21	total	total	ADJ
abrj-4	40	22	number	number	NOUN
abrj-4	40	23	of	of	ADP
abrj-4	40	24	formal	formal	ADJ
abrj-4	40	25	enterprises	enterprise	NOUN
abrj-4	40	26	(	(	PUNCT
abrj-4	40	27	dti	dti	PROPN
abrj-4	40	28	,	,	PUNCT
abrj-4	40	29	2008	2008	NUM
abrj-4	40	30	)	)	PUNCT
abrj-4	40	31	.	.	PUNCT
abrj-4	41	1	there	there	PRON
abrj-4	41	2	was	be	VERB
abrj-4	41	3	however	however	ADV
abrj-4	41	4	a	a	DET
abrj-4	41	5	decline	decline	NOUN
abrj-4	41	6	in	in	ADP
abrj-4	41	7	terms	term	NOUN
abrj-4	41	8	of	of	ADP
abrj-4	41	9	micro	micro	ADJ
abrj-4	41	10	enterprises	enterprise	NOUN
abrj-4	41	11	(	(	PUNCT
abrj-4	41	12	5.6	5.6	NUM
abrj-4	41	13	%	%	NOUN
abrj-4	41	14	)	)	PUNCT
abrj-4	41	15	,	,	PUNCT
abrj-4	41	16	which	which	PRON
abrj-4	41	17	contributed	contribute	VERB
abrj-4	41	18	to	to	ADP
abrj-4	41	19	a	a	DET
abrj-4	41	20	resultant	resultant	NOUN
abrj-4	41	21	shrinking	shrink	VERB
abrj-4	41	22	in	in	ADP
abrj-4	41	23	the	the	DET
abrj-4	41	24	total	total	ADJ
abrj-4	41	25	number	number	NOUN
abrj-4	41	26	of	of	ADP
abrj-4	41	27	formal	formal	ADJ
abrj-4	41	28	registered	register	VERB
abrj-4	41	29	businesses	business	NOUN
abrj-4	41	30	,	,	PUNCT
abrj-4	41	31	from	from	ADP
abrj-4	41	32	50	50	NUM
abrj-4	41	33	%	%	NOUN
abrj-4	41	34	in	in	ADP
abrj-4	41	35	2004	2004	NUM
abrj-4	41	36	to	to	ADP
abrj-4	41	37	37	37	NUM
abrj-4	41	38	%	%	NOUN
abrj-4	41	39	in	in	ADP
abrj-4	41	40	2007	2007	NUM
abrj-4	41	41	.	.	PUNCT
abrj-4	42	1	table-1	table-1	NUM
abrj-4	42	2	.	.	PUNCT
abrj-4	43	1	stats	stat	VERB
abrj-4	43	2	sa	sa	NOUN
abrj-4	43	3	enterprise	enterprise	NOUN
abrj-4	43	4	figures	figure	NOUN
abrj-4	43	5	by	by	ADP
abrj-4	43	6	category	category	NOUN
abrj-4	43	7	,	,	PUNCT
abrj-4	43	8	2004	2004	NUM
abrj-4	43	9	and	and	CCONJ
abrj-4	43	10	2007	2007	NUM
abrj-4	43	11	.	.	PUNCT
abrj-4	44	1	enterprise	enterprise	NOUN
abrj-4	44	2	category	category	NOUN
abrj-4	44	3	integrated	integrate	VERB
abrj-4	44	4	business	business	NOUN
abrj-4	44	5	register	register	VERB
abrj-4	44	6	2004	2004	NUM
abrj-4	44	7	integrated	integrate	VERB
abrj-4	44	8	business	business	NOUN
abrj-4	44	9	register	register	VERB
abrj-4	44	10	2007	2007	NUM
abrj-4	44	11	percent	percent	NOUN
abrj-4	44	12	growth	growth	NOUN
abrj-4	44	13	2004	2004	NUM
abrj-4	44	14	2007	2007	NUM
abrj-4	44	15	count	count	NOUN
abrj-4	44	16	percent	percent	NOUN
abrj-4	44	17	count	count	NOUN
abrj-4	44	18	percent	percent	NOUN
abrj-4	44	19	micro	micro	NOUN
abrj-4	44	20	212161	212161	NUM
abrj-4	44	21	50.3	50.3	NUM
abrj-4	44	22	%	%	NOUN
abrj-4	44	23	200377	200377	NUM
abrj-4	44	24	37.4	37.4	NUM
abrj-4	44	25	%	%	NOUN
abrj-4	44	26	-5.6	-5.6	ADJ
abrj-4	44	27	%	%	NOUN
abrj-4	44	28	very	very	ADV
abrj-4	44	29	small	small	ADJ
abrj-4	44	30	170338	170338	NUM
abrj-4	44	31	40.4	40.4	NUM
abrj-4	44	32	%	%	NOUN
abrj-4	44	33	251920	251920	NUM
abrj-4	44	34	47.0	47.0	NUM
abrj-4	44	35	%	%	NOUN
abrj-4	44	36	47.9	47.9	NUM
abrj-4	44	37	%	%	NOUN
abrj-4	44	38	small	small	ADJ
abrj-4	44	39	32397	32397	NUM
abrj-4	44	40	7.7	7.7	NUM
abrj-4	44	41	%	%	NOUN
abrj-4	44	42	63193	63193	NUM
abrj-4	44	43	11.8	11.8	NUM
abrj-4	44	44	%	%	NOUN
abrj-4	44	45	95.1	95.1	NUM
abrj-4	44	46	%	%	NOUN
abrj-4	44	47	medium	medium	NOUN
abrj-4	44	48	6748	6748	NUM
abrj-4	44	49	1.6	1.6	NUM
abrj-4	44	50	%	%	NOUN
abrj-4	44	51	20750	20750	NUM
abrj-4	44	52	3.9	3.9	NUM
abrj-4	44	53	%	%	NOUN
abrj-4	44	54	207.5	207.5	NUM
abrj-4	44	55	%	%	NOUN
abrj-4	44	56	total	total	ADJ
abrj-4	44	57	smme	smme	NOUN
abrj-4	44	58	421644	421644	NUM
abrj-4	44	59	100.0	100.0	NUM
abrj-4	44	60	%	%	NOUN
abrj-4	44	61	536240	536240	NUM
abrj-4	44	62	100.0	100.0	NUM
abrj-4	44	63	%	%	NOUN
abrj-4	44	64	27.2	27.2	NUM
abrj-4	44	65	%	%	NOUN
abrj-4	44	66	large	large	ADJ
abrj-4	44	67	4596	4596	NUM
abrj-4	44	68	-17251	-17251	PROPN
abrj-4	45	1	-275.3	-275.3	PROPN
abrj-4	45	2	%	%	PROPN
abrj-4	45	3	all	all	DET
abrj-4	45	4	enterprises	enterprise	NOUN
abrj-4	45	5	426240	426240	NUM
abrj-4	45	6	-553491	-553491	NOUN
abrj-4	46	1	-29.9	-29.9	PRON
abrj-4	46	2	%	%	NOUN
abrj-4	46	3	source	source	NOUN
abrj-4	46	4	:	:	PUNCT
abrj-4	46	5	ssa	ssa	NOUN
abrj-4	46	6	(	(	PUNCT
abrj-4	46	7	2013	2013	NUM
abrj-4	46	8	)	)	PUNCT
abrj-4	46	9	.	.	PUNCT
abrj-4	47	1	2.1	2.1	NUM
abrj-4	47	2	.	.	PUNCT
abrj-4	47	3	definition	definition	NOUN
abrj-4	47	4	of	of	ADP
abrj-4	47	5	small	small	ADJ
abrj-4	47	6	businesses	business	NOUN
abrj-4	47	7	definitions	definition	NOUN
abrj-4	47	8	of	of	ADP
abrj-4	47	9	smmes	smme	NOUN
abrj-4	47	10	are	be	AUX
abrj-4	47	11	difficult	difficult	ADJ
abrj-4	47	12	to	to	PART
abrj-4	47	13	comprehend	comprehend	VERB
abrj-4	47	14	as	as	ADP
abrj-4	47	15	the	the	DET
abrj-4	47	16	labour	labour	NOUN
abrj-4	47	17	,	,	PUNCT
abrj-4	47	18	turnover	turnover	NOUN
abrj-4	47	19	and	and	CCONJ
abrj-4	47	20	capital	capital	NOUN
abrj-4	47	21	intensities	intensity	NOUN
abrj-4	47	22	vary	vary	VERB
abrj-4	47	23	significantly	significantly	ADV
abrj-4	47	24	.	.	PUNCT
abrj-4	48	1	the	the	DET
abrj-4	48	2	national	national	ADJ
abrj-4	48	3	small	small	PROPN
abrj-4	48	4	business	business	PROPN
abrj-4	48	5	act	act	NOUN
abrj-4	48	6	of	of	ADP
abrj-4	48	7	1996	1996	NUM
abrj-4	48	8	defines	define	VERB
abrj-4	48	9	a	a	DET
abrj-4	48	10	„	„	PUNCT
abrj-4	48	11	small	small	ADJ
abrj-4	48	12	business‟	business‟	NOUN
abrj-4	48	13	as	as	SCONJ
abrj-4	48	14	follows	follow	VERB
abrj-4	48	15	:	:	PUNCT
abrj-4	48	16	“	"	PUNCT
abrj-4	48	17	…	…	PUNCT
abrj-4	48	18	a	a	DET
abrj-4	48	19	separate	separate	ADJ
abrj-4	48	20	and	and	CCONJ
abrj-4	48	21	distinct	distinct	ADJ
abrj-4	48	22	business	business	NOUN
abrj-4	48	23	entity	entity	NOUN
abrj-4	48	24	,	,	PUNCT
abrj-4	48	25	including	include	VERB
abrj-4	48	26	co	co	ADJ
abrj-4	48	27	-	-	ADJ
abrj-4	48	28	operative	operative	ADJ
abrj-4	48	29	enterprises	enterprise	NOUN
abrj-4	48	30	and	and	CCONJ
abrj-4	48	31	non	non	ADJ
abrj-4	48	32	-	-	ADJ
abrj-4	48	33	governmental	governmental	ADJ
abrj-4	48	34	organisations	organisation	NOUN
abrj-4	48	35	,	,	PUNCT
abrj-4	48	36	managed	manage	VERB
abrj-4	48	37	by	by	ADP
abrj-4	48	38	one	one	NUM
abrj-4	48	39	owner	owner	NOUN
abrj-4	48	40	or	or	CCONJ
abrj-4	48	41	more	more	ADJ
abrj-4	48	42	which	which	PRON
abrj-4	48	43	,	,	PUNCT
abrj-4	48	44	including	include	VERB
abrj-4	48	45	its	its	PRON
abrj-4	48	46	branches	branch	NOUN
abrj-4	48	47	or	or	CCONJ
abrj-4	48	48	subsidiaries	subsidiary	NOUN
abrj-4	48	49	,	,	PUNCT
abrj-4	48	50	if	if	SCONJ
abrj-4	48	51	any	any	PRON
abrj-4	48	52	,	,	PUNCT
abrj-4	48	53	is	be	AUX
abrj-4	48	54	predominantly	predominantly	ADV
abrj-4	48	55	carried	carry	VERB
abrj-4	48	56	on	on	ADP
abrj-4	48	57	in	in	ADP
abrj-4	48	58	any	any	DET
abrj-4	48	59	sector	sector	NOUN
abrj-4	48	60	or	or	CCONJ
abrj-4	48	61	sub	sub	VERB
abrj-4	48	62	sector	sector	NOUN
abrj-4	48	63	of	of	ADP
abrj-4	48	64	the	the	DET
abrj-4	48	65	economy	economy	NOUN
abrj-4	48	66	mentioned	mention	VERB
abrj-4	48	67	in	in	ADP
abrj-4	48	68	column	column	NOUN
abrj-4	48	69	i	i	PRON
abrj-4	48	70	of	of	ADP
abrj-4	48	71	the	the	DET
abrj-4	48	72	schedule	schedule	NOUN
abrj-4	48	73	.	.	PUNCT
abrj-4	48	74	”	"	PUNCT
abrj-4	49	1	informal	informal	ADJ
abrj-4	49	2	small	small	ADJ
abrj-4	49	3	businesses	business	NOUN
abrj-4	49	4	in	in	ADP
abrj-4	49	5	south	south	PROPN
abrj-4	49	6	africa	africa	PROPN
abrj-4	49	7	are	be	AUX
abrj-4	49	8	unregistered	unregistere	VERB
abrj-4	49	9	,	,	PUNCT
abrj-4	49	10	typically	typically	ADV
abrj-4	49	11	operated	operate	VERB
abrj-4	49	12	from	from	ADP
abrj-4	49	13	home	home	NOUN
abrj-4	49	14	,	,	PUNCT
abrj-4	49	15	the	the	DET
abrj-4	49	16	street	street	NOUN
abrj-4	49	17	or	or	CCONJ
abrj-4	49	18	at	at	ADP
abrj-4	49	19	taxi	taxi	NOUN
abrj-4	49	20	ranks	rank	NOUN
abrj-4	49	21	.	.	PUNCT
abrj-4	50	1	they	they	PRON
abrj-4	50	2	typically	typically	ADV
abrj-4	50	3	source	source	VERB
abrj-4	50	4	finance	finance	NOUN
abrj-4	50	5	via	via	ADP
abrj-4	50	6	small	small	ADJ
abrj-4	50	7	unsecured	unsecured	ADJ
abrj-4	50	8	,	,	PUNCT
abrj-4	50	9	short	short	ADJ
abrj-4	50	10	-	-	PUNCT
abrj-4	50	11	term	term	NOUN
abrj-4	50	12	personal	personal	ADJ
abrj-4	50	13	loans	loan	NOUN
abrj-4	50	14	,	,	PUNCT
abrj-4	50	15	form	form	NOUN
abrj-4	50	16	households	household	NOUN
abrj-4	50	17	and	and	CCONJ
abrj-4	50	18	asian	asian	ADJ
abrj-4	50	19	business	business	NOUN
abrj-4	50	20	research	research	NOUN
abrj-4	50	21	journal	journal	NOUN
abrj-4	50	22	,	,	PUNCT
abrj-4	50	23	2019	2019	NUM
abrj-4	50	24	,	,	PUNCT
abrj-4	50	25	4	4	NUM
abrj-4	50	26	:	:	SYM
abrj-4	50	27	29	29	NUM
abrj-4	50	28	-	-	SYM
abrj-4	50	29	34	34	NUM
abrj-4	50	30	31	31	NUM
abrj-4	50	31	©	©	PROPN
abrj-4	50	32	2019	2019	NUM
abrj-4	50	33	by	by	ADP
abrj-4	50	34	the	the	DET
abrj-4	50	35	authors	author	NOUN
abrj-4	50	36	;	;	PUNCT
abrj-4	50	37	licensee	licensee	NOUN
abrj-4	50	38	eastern	eastern	ADJ
abrj-4	50	39	centre	centre	NOUN
abrj-4	50	40	of	of	ADP
abrj-4	50	41	science	science	NOUN
abrj-4	50	42	and	and	CCONJ
abrj-4	50	43	education	education	NOUN
abrj-4	50	44	,	,	PUNCT
abrj-4	50	45	usa	usa	PROPN
abrj-4	50	46	individuals	individual	NOUN
abrj-4	50	47	,	,	PUNCT
abrj-4	50	48	or	or	CCONJ
abrj-4	50	49	corporate	corporate	ADJ
abrj-4	50	50	social	social	ADJ
abrj-4	50	51	investment	investment	NOUN
abrj-4	50	52	funds	fund	NOUN
abrj-4	50	53	from	from	ADP
abrj-4	50	54	large	large	ADJ
abrj-4	50	55	corporates	corporate	NOUN
abrj-4	50	56	.	.	PUNCT
abrj-4	51	1	if	if	SCONJ
abrj-4	51	2	these	these	DET
abrj-4	51	3	informal	informal	ADJ
abrj-4	51	4	businesses	business	NOUN
abrj-4	51	5	become	become	VERB
abrj-4	51	6	successful	successful	ADJ
abrj-4	51	7	,	,	PUNCT
abrj-4	51	8	they	they	PRON
abrj-4	51	9	may	may	AUX
abrj-4	51	10	graduate	graduate	VERB
abrj-4	51	11	to	to	PART
abrj-4	51	12	become	become	VERB
abrj-4	51	13	formal	formal	ADJ
abrj-4	51	14	businesses	business	NOUN
abrj-4	51	15	whose	whose	DET
abrj-4	51	16	need	need	VERB
abrj-4	51	17	for	for	ADP
abrj-4	51	18	financing	financing	NOUN
abrj-4	51	19	becomes	become	VERB
abrj-4	51	20	even	even	ADV
abrj-4	51	21	greater	great	ADJ
abrj-4	51	22	.	.	PUNCT
abrj-4	52	1	however	however	ADV
abrj-4	52	2	,	,	PUNCT
abrj-4	52	3	at	at	ADP
abrj-4	52	4	this	this	DET
abrj-4	52	5	stage	stage	NOUN
abrj-4	52	6	they	they	PRON
abrj-4	52	7	do	do	AUX
abrj-4	52	8	not	not	PART
abrj-4	52	9	necessarily	necessarily	ADV
abrj-4	52	10	meet	meet	VERB
abrj-4	52	11	any	any	DET
abrj-4	52	12	banks‟	banks‟	ADP
abrj-4	52	13	credit	credit	NOUN
abrj-4	52	14	policy	policy	NOUN
abrj-4	52	15	or	or	CCONJ
abrj-4	52	16	lending	lending	NOUN
abrj-4	52	17	criteria	criterion	NOUN
abrj-4	52	18	,	,	PUNCT
abrj-4	52	19	which	which	PRON
abrj-4	52	20	may	may	AUX
abrj-4	52	21	prevent	prevent	VERB
abrj-4	52	22	it	it	PRON
abrj-4	52	23	from	from	ADP
abrj-4	52	24	growing	grow	VERB
abrj-4	52	25	and	and	CCONJ
abrj-4	52	26	subsequently	subsequently	ADV
abrj-4	52	27	creating	create	VERB
abrj-4	52	28	employment	employment	NOUN
abrj-4	52	29	.	.	PUNCT
abrj-4	53	1	2.2	2.2	NUM
abrj-4	53	2	.	.	PUNCT
abrj-4	53	3	smme	smme	PROPN
abrj-4	53	4	development	development	NOUN
abrj-4	53	5	in	in	ADP
abrj-4	53	6	order	order	NOUN
abrj-4	53	7	to	to	PART
abrj-4	53	8	support	support	VERB
abrj-4	53	9	smme	smme	NOUN
abrj-4	53	10	development	development	NOUN
abrj-4	53	11	,	,	PUNCT
abrj-4	53	12	the	the	DET
abrj-4	53	13	1995	1995	NUM
abrj-4	53	14	south	south	ADJ
abrj-4	53	15	african	african	ADJ
abrj-4	53	16	white	white	ADJ
abrj-4	53	17	paper	paper	NOUN
abrj-4	53	18	on	on	ADP
abrj-4	53	19	smme	smme	PROPN
abrj-4	53	20	development	development	NOUN
abrj-4	53	21	proposed	propose	VERB
abrj-4	53	22	an	an	DET
abrj-4	53	23	integrated	integrate	VERB
abrj-4	53	24	small	small	ADJ
abrj-4	53	25	business	business	NOUN
abrj-4	53	26	development	development	NOUN
abrj-4	53	27	strategy	strategy	NOUN
abrj-4	53	28	for	for	ADP
abrj-4	53	29	2005	2005	NUM
abrj-4	53	30	to	to	ADP
abrj-4	53	31	2014	2014	NUM
abrj-4	53	32	,	,	PUNCT
abrj-4	53	33	which	which	DET
abrj-4	53	34	strategy	strategy	NOUN
abrj-4	53	35	is	be	AUX
abrj-4	53	36	based	base	VERB
abrj-4	53	37	on	on	ADP
abrj-4	53	38	three	three	NUM
abrj-4	53	39	pillars	pillar	NOUN
abrj-4	53	40	,	,	PUNCT
abrj-4	53	41	namely	namely	ADV
abrj-4	53	42	:	:	PUNCT
abrj-4	53	43			X
abrj-4	53	44	increasing	increase	VERB
abrj-4	53	45	the	the	DET
abrj-4	53	46	supply	supply	NOUN
abrj-4	53	47	of	of	ADP
abrj-4	53	48	financial	financial	ADJ
abrj-4	53	49	and	and	CCONJ
abrj-4	53	50	non	non	ADJ
abrj-4	53	51	-	-	ADJ
abrj-4	53	52	financial	financial	ADJ
abrj-4	53	53	support	support	NOUN
abrj-4	53	54	.	.	PUNCT
abrj-4	54	1			X
abrj-4	55	1	creating	create	VERB
abrj-4	55	2	demand	demand	NOUN
abrj-4	55	3	for	for	ADP
abrj-4	55	4	smme	smme	NOUN
abrj-4	55	5	products	product	NOUN
abrj-4	55	6	/	/	SYM
abrj-4	55	7	services	service	NOUN
abrj-4	55	8	.	.	PUNCT
abrj-4	56	1			X
abrj-4	56	2	reducing	reduce	VERB
abrj-4	56	3	regulatory	regulatory	ADJ
abrj-4	56	4	constraints	constraint	NOUN
abrj-4	56	5	.	.	PUNCT
abrj-4	57	1	the	the	DET
abrj-4	57	2	integrated	integrate	VERB
abrj-4	57	3	small	small	ADJ
abrj-4	57	4	business	business	NOUN
abrj-4	57	5	development	development	NOUN
abrj-4	57	6	strategy	strategy	NOUN
abrj-4	57	7	(	(	PUNCT
abrj-4	57	8	dti	dti	PROPN
abrj-4	57	9	,	,	PUNCT
abrj-4	57	10	2005	2005	NUM
abrj-4	57	11	)	)	PUNCT
abrj-4	57	12	identifies	identify	VERB
abrj-4	57	13	the	the	DET
abrj-4	57	14	following	follow	VERB
abrj-4	57	15	institutions	institution	NOUN
abrj-4	57	16	as	as	ADP
abrj-4	57	17	important	important	ADJ
abrj-4	57	18	implementation	implementation	NOUN
abrj-4	57	19	agencies	agency	NOUN
abrj-4	57	20	for	for	ADP
abrj-4	57	21	the	the	DET
abrj-4	57	22	strategy	strategy	NOUN
abrj-4	57	23	.	.	PUNCT
abrj-4	58	1	these	these	DET
abrj-4	58	2	agencies	agency	NOUN
abrj-4	58	3	include	include	VERB
abrj-4	58	4	both	both	DET
abrj-4	58	5	smme	smme	NOUN
abrj-4	58	6	-	-	PUNCT
abrj-4	58	7	solely	solely	ADV
abrj-4	58	8	-	-	PUNCT
abrj-4	58	9	dedicated	dedicate	VERB
abrj-4	58	10	support	support	NOUN
abrj-4	58	11	agencies	agency	NOUN
abrj-4	58	12	and	and	CCONJ
abrj-4	58	13	institutions	institution	NOUN
abrj-4	58	14	with	with	ADP
abrj-4	58	15	broader	broad	ADJ
abrj-4	58	16	functions	function	NOUN
abrj-4	58	17	:	:	PUNCT
abrj-4	58	18	small	small	ADJ
abrj-4	58	19	enterprise	enterprise	NOUN
abrj-4	58	20	development	development	NOUN
abrj-4	58	21	agency	agency	PROPN
abrj-4	58	22	(	(	PUNCT
abrj-4	58	23	seda	seda	NOUN
abrj-4	58	24	)	)	PUNCT
abrj-4	58	25	,	,	PUNCT
abrj-4	58	26	south	south	PROPN
abrj-4	58	27	african	african	PROPN
abrj-4	58	28	micro	micro	PROPN
abrj-4	58	29	-	-	ADJ
abrj-4	58	30	finance	finance	ADJ
abrj-4	58	31	apex	apex	NOUN
abrj-4	58	32	fund	fund	PROPN
abrj-4	58	33	(	(	PUNCT
abrj-4	58	34	samaf	samaf	PROPN
abrj-4	58	35	)	)	PUNCT
abrj-4	58	36	,	,	PUNCT
abrj-4	58	37	khula	khula	PROPN
abrj-4	58	38	enterprise	enterprise	NOUN
abrj-4	58	39	finance	finance	NOUN
abrj-4	58	40	limited	limit	VERB
abrj-4	58	41	(	(	PUNCT
abrj-4	58	42	khula	khula	NOUN
abrj-4	58	43	)	)	PUNCT
abrj-4	58	44	and	and	CCONJ
abrj-4	58	45	the	the	DET
abrj-4	58	46	national	national	PROPN
abrj-4	58	47	youth	youth	PROPN
abrj-4	58	48	development	development	PROPN
abrj-4	58	49	agency	agency	PROPN
abrj-4	58	50	(	(	PUNCT
abrj-4	58	51	nyda	nyda	ADJ
abrj-4	58	52	)	)	PUNCT
abrj-4	58	53	.	.	PUNCT
abrj-4	59	1	2.3	2.3	NUM
abrj-4	59	2	.	.	PUNCT
abrj-4	60	1	commercial	commercial	ADJ
abrj-4	60	2	banks	bank	NOUN
abrj-4	60	3	south	south	ADJ
abrj-4	60	4	african	african	ADJ
abrj-4	60	5	financial	financial	ADJ
abrj-4	60	6	services	service	NOUN
abrj-4	60	7	to	to	ADP
abrj-4	60	8	small	small	ADJ
abrj-4	60	9	business	business	NOUN
abrj-4	60	10	enterprises	enterprise	NOUN
abrj-4	60	11	are	be	AUX
abrj-4	60	12	predominantly	predominantly	ADV
abrj-4	60	13	provided	provide	VERB
abrj-4	60	14	by	by	ADP
abrj-4	60	15	commercial	commercial	ADJ
abrj-4	60	16	banks	bank	NOUN
abrj-4	60	17	,	,	PUNCT
abrj-4	60	18	these	these	PRON
abrj-4	60	19	include	include	VERB
abrj-4	60	20	the	the	DET
abrj-4	60	21	four	four	NUM
abrj-4	60	22	major	major	ADJ
abrj-4	60	23	banks	bank	NOUN
abrj-4	60	24	,	,	PUNCT
abrj-4	60	25	being	be	AUX
abrj-4	60	26	first	first	ADJ
abrj-4	60	27	national	national	PROPN
abrj-4	60	28	bank	bank	PROPN
abrj-4	60	29	,	,	PUNCT
abrj-4	60	30	nedbank	nedbank	PROPN
abrj-4	60	31	,	,	PUNCT
abrj-4	60	32	amalgamated	amalgamate	VERB
abrj-4	60	33	bank	bank	NOUN
abrj-4	60	34	of	of	ADP
abrj-4	60	35	south	south	PROPN
abrj-4	60	36	africa	africa	PROPN
abrj-4	60	37	(	(	PUNCT
abrj-4	60	38	absa	absa	PROPN
abrj-4	60	39	)	)	PUNCT
abrj-4	60	40	and	and	CCONJ
abrj-4	60	41	standard	standard	PROPN
abrj-4	60	42	bank	bank	NOUN
abrj-4	60	43	.	.	PUNCT
abrj-4	61	1	these	these	DET
abrj-4	61	2	banks	bank	NOUN
abrj-4	61	3	are	be	AUX
abrj-4	61	4	known	know	VERB
abrj-4	61	5	to	to	PART
abrj-4	61	6	do	do	VERB
abrj-4	61	7	mainstream	mainstream	NOUN
abrj-4	61	8	and	and	CCONJ
abrj-4	61	9	business	business	NOUN
abrj-4	61	10	banking	banking	NOUN
abrj-4	61	11	and	and	CCONJ
abrj-4	61	12	not	not	PART
abrj-4	61	13	so	so	ADV
abrj-4	61	14	much	much	ADJ
abrj-4	61	15	development	development	NOUN
abrj-4	61	16	finance	finance	NOUN
abrj-4	61	17	.	.	PUNCT
abrj-4	62	1	they	they	PRON
abrj-4	62	2	have	have	VERB
abrj-4	62	3	divisions	division	NOUN
abrj-4	62	4	intended	intend	VERB
abrj-4	62	5	to	to	PART
abrj-4	62	6	provide	provide	VERB
abrj-4	62	7	finance	finance	NOUN
abrj-4	62	8	to	to	ADP
abrj-4	62	9	businesses	business	NOUN
abrj-4	62	10	based	base	VERB
abrj-4	62	11	on	on	ADP
abrj-4	62	12	traditional	traditional	ADJ
abrj-4	62	13	financing	financing	NOUN
abrj-4	62	14	methodologies	methodology	NOUN
abrj-4	62	15	and	and	CCONJ
abrj-4	62	16	systems	system	NOUN
abrj-4	62	17	which	which	PRON
abrj-4	62	18	are	be	AUX
abrj-4	62	19	akin	akin	ADJ
abrj-4	62	20	to	to	ADP
abrj-4	62	21	financial	financial	ADJ
abrj-4	62	22	statement	statement	NOUN
abrj-4	62	23	lending	lending	NOUN
abrj-4	62	24	.	.	PUNCT
abrj-4	63	1	these	these	DET
abrj-4	63	2	banks	bank	NOUN
abrj-4	63	3	use	use	VERB
abrj-4	63	4	debt	debt	NOUN
abrj-4	63	5	-	-	PUNCT
abrj-4	63	6	financing	financing	NOUN
abrj-4	63	7	that	that	PRON
abrj-4	63	8	requires	require	VERB
abrj-4	63	9	collateral	collateral	NOUN
abrj-4	63	10	or	or	CCONJ
abrj-4	63	11	a	a	DET
abrj-4	63	12	guarantee	guarantee	NOUN
abrj-4	63	13	with	with	ADP
abrj-4	63	14	an	an	DET
abrj-4	63	15	asset	asset	NOUN
abrj-4	63	16	value	value	NOUN
abrj-4	63	17	.	.	PUNCT
abrj-4	64	1	hisrich	hisrich	PROPN
abrj-4	64	2	and	and	CCONJ
abrj-4	64	3	peters	peters	PROPN
abrj-4	64	4	(	(	PUNCT
abrj-4	64	5	1998	1998	NUM
abrj-4	64	6	)	)	PUNCT
abrj-4	64	7	suggests	suggest	VERB
abrj-4	64	8	that	that	SCONJ
abrj-4	64	9	collateral	collateral	NOUN
abrj-4	64	10	can	can	AUX
abrj-4	64	11	be	be	AUX
abrj-4	64	12	in	in	ADP
abrj-4	64	13	the	the	DET
abrj-4	64	14	form	form	NOUN
abrj-4	64	15	of	of	ADP
abrj-4	64	16	personal	personal	ADJ
abrj-4	64	17	assets	asset	NOUN
abrj-4	64	18	such	such	ADJ
abrj-4	64	19	as	as	ADP
abrj-4	64	20	land	land	NOUN
abrj-4	64	21	,	,	PUNCT
abrj-4	64	22	house	house	NOUN
abrj-4	64	23	,	,	PUNCT
abrj-4	64	24	car	car	NOUN
abrj-4	64	25	or	or	CCONJ
abrj-4	64	26	stock	stock	NOUN
abrj-4	64	27	and/or	and/or	CCONJ
abrj-4	64	28	business	business	NOUN
abrj-4	64	29	assets	asset	NOUN
abrj-4	64	30	,	,	PUNCT
abrj-4	64	31	such	such	ADJ
abrj-4	64	32	as	as	ADP
abrj-4	64	33	land	land	NOUN
abrj-4	64	34	,	,	PUNCT
abrj-4	64	35	building	building	NOUN
abrj-4	64	36	or	or	CCONJ
abrj-4	64	37	equipment	equipment	NOUN
abrj-4	64	38	.	.	PUNCT
abrj-4	65	1	however	however	ADV
abrj-4	65	2	,	,	PUNCT
abrj-4	65	3	although	although	SCONJ
abrj-4	65	4	there	there	PRON
abrj-4	65	5	are	be	VERB
abrj-4	65	6	a	a	DET
abrj-4	65	7	number	number	NOUN
abrj-4	65	8	of	of	ADP
abrj-4	65	9	products	product	NOUN
abrj-4	65	10	offered	offer	VERB
abrj-4	65	11	by	by	ADP
abrj-4	65	12	commercial	commercial	ADJ
abrj-4	65	13	banks	bank	NOUN
abrj-4	65	14	to	to	PART
abrj-4	65	15	assist	assist	VERB
abrj-4	65	16	small	small	ADJ
abrj-4	65	17	businesses	business	NOUN
abrj-4	65	18	,	,	PUNCT
abrj-4	65	19	including	include	VERB
abrj-4	65	20	,	,	PUNCT
abrj-4	65	21	loan	loan	NOUN
abrj-4	65	22	products	product	NOUN
abrj-4	65	23	,	,	PUNCT
abrj-4	65	24	asset	asset	NOUN
abrj-4	65	25	finance	finance	NOUN
abrj-4	65	26	and	and	CCONJ
abrj-4	65	27	equity	equity	NOUN
abrj-4	65	28	funds	fund	NOUN
abrj-4	65	29	,	,	PUNCT
abrj-4	65	30	such	such	ADJ
abrj-4	65	31	offerings	offering	NOUN
abrj-4	65	32	are	be	AUX
abrj-4	65	33	primarily	primarily	ADV
abrj-4	65	34	subject	subject	ADJ
abrj-4	65	35	to	to	ADP
abrj-4	65	36	the	the	DET
abrj-4	65	37	provision	provision	NOUN
abrj-4	65	38	of	of	ADP
abrj-4	65	39	collateral	collateral	ADJ
abrj-4	65	40	and	and	CCONJ
abrj-4	65	41	financial	financial	ADJ
abrj-4	65	42	statement	statement	NOUN
abrj-4	65	43	analysis	analysis	NOUN
abrj-4	65	44	,	,	PUNCT
abrj-4	65	45	providing	provide	VERB
abrj-4	65	46	collateral	collateral	NOUN
abrj-4	65	47	is	be	AUX
abrj-4	65	48	very	very	ADV
abrj-4	65	49	onerous	onerous	ADJ
abrj-4	65	50	for	for	ADP
abrj-4	65	51	small	small	ADJ
abrj-4	65	52	businesses	business	NOUN
abrj-4	65	53	.	.	PUNCT
abrj-4	66	1	collateral	collateral	NOUN
abrj-4	66	2	in	in	ADP
abrj-4	66	3	credit	credit	NOUN
abrj-4	66	4	risk	risk	NOUN
abrj-4	66	5	is	be	AUX
abrj-4	66	6	one	one	NUM
abrj-4	66	7	of	of	ADP
abrj-4	66	8	many	many	ADJ
abrj-4	66	9	major	major	ADJ
abrj-4	66	10	discussion	discussion	NOUN
abrj-4	66	11	points	point	NOUN
abrj-4	66	12	and	and	CCONJ
abrj-4	66	13	debate	debate	NOUN
abrj-4	66	14	in	in	ADP
abrj-4	66	15	credit	credit	NOUN
abrj-4	66	16	provision	provision	NOUN
abrj-4	66	17	.	.	PUNCT
abrj-4	67	1	banks	bank	NOUN
abrj-4	67	2	lend	lend	VERB
abrj-4	67	3	money	money	NOUN
abrj-4	67	4	to	to	ADP
abrj-4	67	5	borrowers	borrower	NOUN
abrj-4	67	6	,	,	PUNCT
abrj-4	67	7	on	on	ADP
abrj-4	67	8	condition	condition	NOUN
abrj-4	67	9	that	that	SCONJ
abrj-4	67	10	the	the	DET
abrj-4	67	11	amount	amount	NOUN
abrj-4	67	12	of	of	ADP
abrj-4	67	13	finance	finance	NOUN
abrj-4	67	14	,	,	PUNCT
abrj-4	67	15	is	be	AUX
abrj-4	67	16	to	to	PART
abrj-4	67	17	be	be	AUX
abrj-4	67	18	repaid	repay	VERB
abrj-4	67	19	according	accord	VERB
abrj-4	67	20	to	to	ADP
abrj-4	67	21	terms	term	NOUN
abrj-4	67	22	agreed	agree	VERB
abrj-4	67	23	upon	upon	SCONJ
abrj-4	67	24	at	at	ADP
abrj-4	67	25	the	the	DET
abrj-4	67	26	inception	inception	NOUN
abrj-4	67	27	of	of	ADP
abrj-4	67	28	the	the	DET
abrj-4	67	29	loan	loan	NOUN
abrj-4	67	30	.	.	PUNCT
abrj-4	68	1	in	in	ADP
abrj-4	68	2	order	order	NOUN
abrj-4	68	3	to	to	PART
abrj-4	68	4	mitigate	mitigate	VERB
abrj-4	68	5	their	their	PRON
abrj-4	68	6	risk	risk	NOUN
abrj-4	68	7	of	of	ADP
abrj-4	68	8	loss	loss	NOUN
abrj-4	68	9	due	due	ADP
abrj-4	68	10	to	to	ADP
abrj-4	68	11	the	the	DET
abrj-4	68	12	borrower	borrower	NOUN
abrj-4	68	13	not	not	PART
abrj-4	68	14	servicing	service	VERB
abrj-4	68	15	and	and	CCONJ
abrj-4	68	16	repaying	repay	VERB
abrj-4	68	17	the	the	DET
abrj-4	68	18	loan	loan	NOUN
abrj-4	68	19	,	,	PUNCT
abrj-4	68	20	the	the	DET
abrj-4	68	21	bank	bank	NOUN
abrj-4	68	22	orders	order	VERB
abrj-4	68	23	collateral	collateral	NOUN
abrj-4	68	24	as	as	ADP
abrj-4	68	25	a	a	DET
abrj-4	68	26	condition	condition	NOUN
abrj-4	68	27	of	of	ADP
abrj-4	68	28	granting	grant	VERB
abrj-4	68	29	the	the	DET
abrj-4	68	30	loan	loan	NOUN
abrj-4	68	31	.	.	PUNCT
abrj-4	69	1	this	this	DET
abrj-4	69	2	collateral	collateral	NOUN
abrj-4	69	3	may	may	AUX
abrj-4	69	4	serve	serve	VERB
abrj-4	69	5	to	to	PART
abrj-4	69	6	minimise	minimise	VERB
abrj-4	69	7	a	a	DET
abrj-4	69	8	loss	loss	NOUN
abrj-4	69	9	that	that	PRON
abrj-4	69	10	might	might	AUX
abrj-4	69	11	arise	arise	VERB
abrj-4	69	12	due	due	ADP
abrj-4	69	13	to	to	ADP
abrj-4	69	14	adverse	adverse	ADJ
abrj-4	69	15	lending	lending	NOUN
abrj-4	69	16	decisions	decision	NOUN
abrj-4	69	17	,	,	PUNCT
abrj-4	69	18	especially	especially	ADV
abrj-4	69	19	in	in	ADP
abrj-4	69	20	relationship	relationship	NOUN
abrj-4	69	21	lending	lending	NOUN
abrj-4	69	22	(	(	PUNCT
abrj-4	69	23	stiglitz	stiglitz	PROPN
abrj-4	69	24	and	and	CCONJ
abrj-4	69	25	weiss	weiss	PROPN
abrj-4	69	26	,	,	PUNCT
abrj-4	69	27	1981	1981	NUM
abrj-4	69	28	)	)	PUNCT
abrj-4	69	29	.	.	PUNCT
abrj-4	70	1	2.4	2.4	NUM
abrj-4	70	2	.	.	PUNCT
abrj-4	70	3	relationship	relationship	NOUN
abrj-4	70	4	lending	lend	VERB
abrj-4	70	5	the	the	DET
abrj-4	70	6	banks‟	banks‟	ADP
abrj-4	70	7	risk	risk	NOUN
abrj-4	70	8	appetite	appetite	NOUN
abrj-4	70	9	may	may	AUX
abrj-4	70	10	be	be	AUX
abrj-4	70	11	influenced	influence	VERB
abrj-4	70	12	by	by	ADP
abrj-4	70	13	inter	inter	ADJ
abrj-4	70	14	-	-	ADJ
abrj-4	70	15	alia	alia	ADJ
abrj-4	70	16	,	,	PUNCT
abrj-4	70	17	how	how	SCONJ
abrj-4	70	18	long	long	ADV
abrj-4	70	19	the	the	DET
abrj-4	70	20	bank	bank	NOUN
abrj-4	70	21	has	have	AUX
abrj-4	70	22	known	know	VERB
abrj-4	70	23	the	the	DET
abrj-4	70	24	borrower	borrower	NOUN
abrj-4	70	25	and	and	CCONJ
abrj-4	70	26	how	how	SCONJ
abrj-4	70	27	much	much	ADJ
abrj-4	70	28	the	the	DET
abrj-4	70	29	bank	bank	NOUN
abrj-4	70	30	knows	know	VERB
abrj-4	70	31	about	about	ADP
abrj-4	70	32	the	the	DET
abrj-4	70	33	borrower	borrower	NOUN
abrj-4	70	34	.	.	PUNCT
abrj-4	71	1	because	because	SCONJ
abrj-4	71	2	of	of	ADP
abrj-4	71	3	an	an	DET
abrj-4	71	4	existing	exist	VERB
abrj-4	71	5	relationship	relationship	NOUN
abrj-4	71	6	,	,	PUNCT
abrj-4	71	7	a	a	DET
abrj-4	71	8	bank	bank	NOUN
abrj-4	71	9	may	may	AUX
abrj-4	71	10	find	find	VERB
abrj-4	71	11	it	it	PRON
abrj-4	71	12	easier	easy	ADJ
abrj-4	71	13	to	to	PART
abrj-4	71	14	overcome	overcome	VERB
abrj-4	71	15	the	the	DET
abrj-4	71	16	information	information	NOUN
abrj-4	71	17	asymmetry	asymmetry	NOUN
abrj-4	71	18	problem	problem	NOUN
abrj-4	71	19	,	,	PUNCT
abrj-4	71	20	by	by	ADP
abrj-4	71	21	being	be	AUX
abrj-4	71	22	able	able	ADJ
abrj-4	71	23	to	to	PART
abrj-4	71	24	gather	gather	VERB
abrj-4	71	25	financial	financial	ADJ
abrj-4	71	26	and	and	CCONJ
abrj-4	71	27	non	non	ADJ
abrj-4	71	28	-	-	ADJ
abrj-4	71	29	financial	financial	ADJ
abrj-4	71	30	information	information	NOUN
abrj-4	71	31	from	from	ADP
abrj-4	71	32	interactions	interaction	NOUN
abrj-4	71	33	with	with	ADP
abrj-4	71	34	the	the	DET
abrj-4	71	35	borrower	borrower	NOUN
abrj-4	71	36	.	.	PUNCT
abrj-4	72	1	there	there	PRON
abrj-4	72	2	is	be	VERB
abrj-4	72	3	conflicting	conflicting	ADJ
abrj-4	72	4	literature	literature	NOUN
abrj-4	72	5	on	on	ADP
abrj-4	72	6	the	the	DET
abrj-4	72	7	scale	scale	NOUN
abrj-4	72	8	of	of	ADP
abrj-4	72	9	interest	interest	NOUN
abrj-4	72	10	rates	rate	NOUN
abrj-4	72	11	linked	link	VERB
abrj-4	72	12	to	to	ADP
abrj-4	72	13	the	the	DET
abrj-4	72	14	different	different	ADJ
abrj-4	72	15	stages	stage	NOUN
abrj-4	72	16	of	of	ADP
abrj-4	72	17	the	the	DET
abrj-4	72	18	bank	bank	NOUN
abrj-4	72	19	-	-	PUNCT
abrj-4	72	20	borrower	borrower	NOUN
abrj-4	72	21	relationship	relationship	NOUN
abrj-4	72	22	.	.	PUNCT
abrj-4	73	1	for	for	ADP
abrj-4	73	2	example	example	NOUN
abrj-4	73	3	,	,	PUNCT
abrj-4	73	4	boot	boot	NOUN
abrj-4	73	5	and	and	CCONJ
abrj-4	73	6	thakor	thakor	NOUN
abrj-4	73	7	(	(	PUNCT
abrj-4	73	8	1994	1994	NUM
abrj-4	73	9	)	)	PUNCT
abrj-4	73	10	find	find	VERB
abrj-4	73	11	that	that	SCONJ
abrj-4	73	12	loan	loan	NOUN
abrj-4	73	13	rates	rate	NOUN
abrj-4	73	14	decline	decline	VERB
abrj-4	73	15	as	as	ADP
abrj-4	73	16	a	a	DET
abrj-4	73	17	relationship	relationship	NOUN
abrj-4	73	18	matures	mature	NOUN
abrj-4	73	19	.	.	PUNCT
abrj-4	74	1	existing	exist	VERB
abrj-4	74	2	evidence	evidence	NOUN
abrj-4	74	3	from	from	ADP
abrj-4	74	4	the	the	DET
abrj-4	74	5	united	united	PROPN
abrj-4	74	6	states	states	PROPN
abrj-4	74	7	suggests	suggest	VERB
abrj-4	74	8	that	that	SCONJ
abrj-4	74	9	small	small	ADJ
abrj-4	74	10	businesses	business	NOUN
abrj-4	74	11	that	that	PRON
abrj-4	74	12	forge	forge	VERB
abrj-4	74	13	bank	bank	NOUN
abrj-4	74	14	relationships	relationship	NOUN
abrj-4	74	15	experience	experience	VERB
abrj-4	74	16	less	less	ADJ
abrj-4	74	17	credit	credit	NOUN
abrj-4	74	18	rationing	rationing	NOUN
abrj-4	74	19	and	and	CCONJ
abrj-4	74	20	are	be	AUX
abrj-4	74	21	more	more	ADV
abrj-4	74	22	likely	likely	ADJ
abrj-4	74	23	to	to	PART
abrj-4	74	24	be	be	AUX
abrj-4	74	25	given	give	VERB
abrj-4	74	26	access	access	NOUN
abrj-4	74	27	to	to	ADP
abrj-4	74	28	finance	finance	NOUN
abrj-4	74	29	(	(	PUNCT
abrj-4	74	30	cole	cole	PROPN
abrj-4	74	31	,	,	PUNCT
abrj-4	74	32	1998	1998	NUM
abrj-4	74	33	)	)	PUNCT
abrj-4	74	34	.	.	PUNCT
abrj-4	75	1	evidence	evidence	NOUN
abrj-4	75	2	from	from	ADP
abrj-4	75	3	the	the	DET
abrj-4	75	4	european	european	PROPN
abrj-4	75	5	continent	continent	NOUN
abrj-4	75	6	suggests	suggest	VERB
abrj-4	75	7	that	that	SCONJ
abrj-4	75	8	relationship	relationship	NOUN
abrj-4	75	9	lending	lending	NOUN
abrj-4	75	10	may	may	AUX
abrj-4	75	11	not	not	PART
abrj-4	75	12	be	be	AUX
abrj-4	75	13	entirely	entirely	ADV
abrj-4	75	14	beneficial	beneficial	ADJ
abrj-4	75	15	for	for	ADP
abrj-4	75	16	the	the	DET
abrj-4	75	17	borrower	borrower	NOUN
abrj-4	75	18	(	(	PUNCT
abrj-4	75	19	mayer	mayer	PROPN
abrj-4	75	20	,	,	PUNCT
abrj-4	75	21	1994	1994	NUM
abrj-4	75	22	)	)	PUNCT
abrj-4	75	23	.	.	PUNCT
abrj-4	76	1	elsas	elsas	PROPN
abrj-4	76	2	(	(	PUNCT
abrj-4	76	3	2005	2005	NUM
abrj-4	76	4	)	)	PUNCT
abrj-4	76	5	however	however	ADV
abrj-4	76	6	,	,	PUNCT
abrj-4	76	7	argues	argue	VERB
abrj-4	76	8	that	that	SCONJ
abrj-4	76	9	relationship	relationship	NOUN
abrj-4	76	10	lending	lending	NOUN
abrj-4	76	11	does	do	AUX
abrj-4	76	12	not	not	PART
abrj-4	76	13	become	become	VERB
abrj-4	76	14	successful	successful	ADJ
abrj-4	76	15	simply	simply	ADV
abrj-4	76	16	by	by	ADP
abrj-4	76	17	the	the	DET
abrj-4	76	18	duration	duration	NOUN
abrj-4	76	19	of	of	ADP
abrj-4	76	20	the	the	DET
abrj-4	76	21	borrowers‟	borrowers‟	NOUN
abrj-4	76	22	relationship	relationship	NOUN
abrj-4	76	23	with	with	ADP
abrj-4	76	24	the	the	DET
abrj-4	76	25	bank	bank	NOUN
abrj-4	76	26	,	,	PUNCT
abrj-4	76	27	but	but	CCONJ
abrj-4	76	28	rather	rather	ADV
abrj-4	76	29	on	on	ADP
abrj-4	76	30	the	the	DET
abrj-4	76	31	status	status	NOUN
abrj-4	76	32	of	of	ADP
abrj-4	76	33	the	the	DET
abrj-4	76	34	lender	lender	NOUN
abrj-4	76	35	.	.	PUNCT
abrj-4	77	1	small	small	ADJ
abrj-4	77	2	businesses	business	NOUN
abrj-4	77	3	normally	normally	ADV
abrj-4	77	4	deal	deal	VERB
abrj-4	77	5	with	with	ADP
abrj-4	77	6	a	a	DET
abrj-4	77	7	specific	specific	ADJ
abrj-4	77	8	person	person	NOUN
abrj-4	77	9	known	know	VERB
abrj-4	77	10	as	as	ADP
abrj-4	77	11	a	a	DET
abrj-4	77	12	“	"	PUNCT
abrj-4	77	13	relationship	relationship	NOUN
abrj-4	77	14	manager	manager	NOUN
abrj-4	77	15	”	"	PUNCT
abrj-4	77	16	,	,	PUNCT
abrj-4	77	17	“	"	PUNCT
abrj-4	77	18	consultant	consultant	NOUN
abrj-4	77	19	”	"	PUNCT
abrj-4	77	20	or	or	CCONJ
abrj-4	77	21	“	"	PUNCT
abrj-4	77	22	banker	banker	NOUN
abrj-4	77	23	”	"	PUNCT
abrj-4	77	24	.	.	PUNCT
abrj-4	78	1	should	should	AUX
abrj-4	78	2	bankers	banker	NOUN
abrj-4	78	3	lose	lose	VERB
abrj-4	78	4	interest	interest	NOUN
abrj-4	78	5	in	in	ADP
abrj-4	78	6	servicing	service	VERB
abrj-4	78	7	small	small	ADJ
abrj-4	78	8	businesses	business	NOUN
abrj-4	78	9	,	,	PUNCT
abrj-4	78	10	then	then	ADV
abrj-4	78	11	small	small	ADJ
abrj-4	78	12	businesses	business	NOUN
abrj-4	78	13	are	be	AUX
abrj-4	78	14	lost	lose	VERB
abrj-4	78	15	to	to	ADP
abrj-4	78	16	smaller	small	ADJ
abrj-4	78	17	financial	financial	ADJ
abrj-4	78	18	institutions	institution	NOUN
abrj-4	78	19	(	(	PUNCT
abrj-4	78	20	such	such	ADJ
abrj-4	78	21	as	as	ADP
abrj-4	78	22	community	community	NOUN
abrj-4	78	23	banks	bank	NOUN
abrj-4	78	24	)	)	PUNCT
abrj-4	78	25	that	that	PRON
abrj-4	78	26	use	use	VERB
abrj-4	78	27	“	"	PUNCT
abrj-4	78	28	soft	soft	ADJ
abrj-4	78	29	”	"	PUNCT
abrj-4	78	30	information	information	NOUN
abrj-4	78	31	to	to	ADP
abrj-4	78	32	a	a	DET
abrj-4	78	33	greater	great	ADJ
abrj-4	78	34	extent	extent	NOUN
abrj-4	78	35	than	than	ADP
abrj-4	78	36	larger	large	ADJ
abrj-4	78	37	,	,	PUNCT
abrj-4	78	38	commercial	commercial	ADJ
abrj-4	78	39	banks	bank	NOUN
abrj-4	78	40	.	.	PUNCT
abrj-4	79	1	complex	complex	ADJ
abrj-4	79	2	hierarchies	hierarchy	NOUN
abrj-4	79	3	of	of	ADP
abrj-4	79	4	larger	large	ADJ
abrj-4	79	5	banks	bank	NOUN
abrj-4	79	6	,	,	PUNCT
abrj-4	79	7	therefore	therefore	ADV
abrj-4	79	8	,	,	PUNCT
abrj-4	79	9	become	become	VERB
abrj-4	79	10	an	an	DET
abrj-4	79	11	impediment	impediment	NOUN
abrj-4	79	12	to	to	PART
abrj-4	79	13	relationship	relationship	VERB
abrj-4	79	14	lending	lending	NOUN
abrj-4	79	15	and	and	CCONJ
abrj-4	79	16	present	present	ADJ
abrj-4	79	17	relationship	relationship	NOUN
abrj-4	79	18	lending	lending	NOUN
abrj-4	79	19	as	as	ADP
abrj-4	79	20	being	be	AUX
abrj-4	79	21	more	more	ADJ
abrj-4	79	22	of	of	ADP
abrj-4	79	23	a	a	DET
abrj-4	79	24	challenge	challenge	NOUN
abrj-4	79	25	to	to	ADP
abrj-4	79	26	larger	large	ADJ
abrj-4	79	27	banks	bank	NOUN
abrj-4	79	28	than	than	ADP
abrj-4	79	29	smaller	small	ADJ
abrj-4	79	30	ones	one	NOUN
abrj-4	79	31	(	(	PUNCT
abrj-4	79	32	stein	stein	PROPN
abrj-4	79	33	,	,	PUNCT
abrj-4	79	34	2002	2002	NUM
abrj-4	79	35	)	)	PUNCT
abrj-4	79	36	.	.	PUNCT
abrj-4	80	1	cole	cole	PROPN
abrj-4	80	2	et	et	PROPN
abrj-4	80	3	al	al	PROPN
abrj-4	80	4	.	.	PROPN
abrj-4	80	5	(	(	PUNCT
abrj-4	80	6	2004	2004	NUM
abrj-4	80	7	)	)	PUNCT
abrj-4	80	8	believe	believe	VERB
abrj-4	80	9	that	that	SCONJ
abrj-4	80	10	the	the	DET
abrj-4	80	11	biggest	big	ADJ
abrj-4	80	12	difference	difference	NOUN
abrj-4	80	13	in	in	ADP
abrj-4	80	14	the	the	DET
abrj-4	80	15	loan	loan	NOUN
abrj-4	80	16	offering	offering	NOUN
abrj-4	80	17	process	process	NOUN
abrj-4	80	18	between	between	ADP
abrj-4	80	19	small	small	ADJ
abrj-4	80	20	and	and	CCONJ
abrj-4	80	21	large	large	ADJ
abrj-4	80	22	banks	bank	NOUN
abrj-4	80	23	is	be	AUX
abrj-4	80	24	the	the	DET
abrj-4	80	25	weight	weight	NOUN
abrj-4	80	26	they	they	PRON
abrj-4	80	27	attach	attach	VERB
abrj-4	80	28	to	to	ADP
abrj-4	80	29	the	the	DET
abrj-4	80	30	quantitative	quantitative	ADJ
abrj-4	80	31	and	and	CCONJ
abrj-4	80	32	discretionary	discretionary	ADJ
abrj-4	80	33	information	information	NOUN
abrj-4	80	34	.	.	PUNCT
abrj-4	81	1	small	small	ADJ
abrj-4	81	2	banks	bank	NOUN
abrj-4	81	3	attach	attach	VERB
abrj-4	81	4	more	more	ADJ
abrj-4	81	5	weight	weight	NOUN
abrj-4	81	6	to	to	PART
abrj-4	81	7	discretionary	discretionary	VERB
abrj-4	81	8	(	(	PUNCT
abrj-4	81	9	“	"	PUNCT
abrj-4	81	10	soft	soft	ADJ
abrj-4	81	11	”	"	PUNCT
abrj-4	81	12	)	)	PUNCT
abrj-4	81	13	information	information	NOUN
abrj-4	81	14	whereas	whereas	SCONJ
abrj-4	81	15	larger	large	ADJ
abrj-4	81	16	banks	bank	NOUN
abrj-4	81	17	attach	attach	VERB
abrj-4	81	18	more	more	ADJ
abrj-4	81	19	weight	weight	NOUN
abrj-4	81	20	to	to	ADP
abrj-4	81	21	the	the	DET
abrj-4	81	22	quantitative	quantitative	ADJ
abrj-4	81	23	financial	financial	ADJ
abrj-4	81	24	information	information	NOUN
abrj-4	81	25	.	.	PUNCT
abrj-4	82	1	relationship	relationship	NOUN
abrj-4	82	2	lending	lending	NOUN
abrj-4	82	3	poses	pose	VERB
abrj-4	82	4	some	some	DET
abrj-4	82	5	great	great	ADJ
abrj-4	82	6	possibilities	possibility	NOUN
abrj-4	82	7	for	for	ADP
abrj-4	82	8	the	the	DET
abrj-4	82	9	smme	smme	NOUN
abrj-4	82	10	fraternity	fraternity	NOUN
abrj-4	82	11	,	,	PUNCT
abrj-4	82	12	however	however	ADV
abrj-4	82	13	,	,	PUNCT
abrj-4	82	14	evidence	evidence	NOUN
abrj-4	82	15	needs	need	VERB
abrj-4	82	16	to	to	PART
abrj-4	82	17	be	be	AUX
abrj-4	82	18	gathered	gather	VERB
abrj-4	82	19	as	as	ADP
abrj-4	82	20	to	to	ADP
abrj-4	82	21	whether	whether	SCONJ
abrj-4	82	22	it	it	PRON
abrj-4	82	23	is	be	AUX
abrj-4	82	24	plausible	plausible	ADJ
abrj-4	82	25	in	in	ADP
abrj-4	82	26	terms	term	NOUN
abrj-4	82	27	of	of	ADP
abrj-4	82	28	managing	manage	VERB
abrj-4	82	29	long	long	ADJ
abrj-4	82	30	term	term	NOUN
abrj-4	82	31	risk	risk	NOUN
abrj-4	82	32	for	for	ADP
abrj-4	82	33	banks	bank	NOUN
abrj-4	82	34	.	.	PUNCT
abrj-4	83	1	it	it	PRON
abrj-4	83	2	is	be	AUX
abrj-4	83	3	evident	evident	ADJ
abrj-4	83	4	from	from	ADP
abrj-4	83	5	the	the	DET
abrj-4	83	6	above	above	ADJ
abrj-4	83	7	discussion	discussion	NOUN
abrj-4	83	8	that	that	SCONJ
abrj-4	83	9	a	a	DET
abrj-4	83	10	number	number	NOUN
abrj-4	83	11	of	of	ADP
abrj-4	83	12	factors	factor	NOUN
abrj-4	83	13	influence	influence	VERB
abrj-4	83	14	the	the	DET
abrj-4	83	15	relationship	relationship	NOUN
abrj-4	83	16	lending	lending	NOUN
abrj-4	83	17	success	success	NOUN
abrj-4	83	18	.	.	PUNCT
abrj-4	84	1	the	the	DET
abrj-4	84	2	duration	duration	NOUN
abrj-4	84	3	of	of	ADP
abrj-4	84	4	the	the	DET
abrj-4	84	5	relationship	relationship	NOUN
abrj-4	84	6	,	,	PUNCT
abrj-4	84	7	the	the	DET
abrj-4	84	8	scope	scope	NOUN
abrj-4	84	9	of	of	ADP
abrj-4	84	10	the	the	DET
abrj-4	84	11	relationship	relationship	NOUN
abrj-4	84	12	,	,	PUNCT
abrj-4	84	13	collateral	collateral	NOUN
abrj-4	84	14	and	and	CCONJ
abrj-4	84	15	the	the	DET
abrj-4	84	16	relationship	relationship	NOUN
abrj-4	84	17	manager	manager	NOUN
abrj-4	84	18	are	be	AUX
abrj-4	84	19	factors	factor	NOUN
abrj-4	84	20	that	that	PRON
abrj-4	84	21	make	make	VERB
abrj-4	84	22	or	or	CCONJ
abrj-4	84	23	break	break	VERB
abrj-4	84	24	the	the	DET
abrj-4	84	25	success	success	NOUN
abrj-4	84	26	of	of	ADP
abrj-4	84	27	relationship	relationship	NOUN
abrj-4	84	28	lending	lending	NOUN
abrj-4	84	29	.	.	PUNCT
abrj-4	85	1	3	3	X
abrj-4	85	2	.	.	X
abrj-4	85	3	research	research	NOUN
abrj-4	85	4	design	design	NOUN
abrj-4	85	5	and	and	CCONJ
abrj-4	85	6	methods	method	NOUN
abrj-4	85	7	in	in	ADP
abrj-4	85	8	order	order	NOUN
abrj-4	85	9	to	to	PART
abrj-4	85	10	achieve	achieve	VERB
abrj-4	85	11	the	the	DET
abrj-4	85	12	research	research	NOUN
abrj-4	85	13	objectives	objective	NOUN
abrj-4	85	14	,	,	PUNCT
abrj-4	85	15	a	a	DET
abrj-4	85	16	case	case	NOUN
abrj-4	85	17	study	study	NOUN
abrj-4	85	18	approach	approach	NOUN
abrj-4	85	19	was	be	AUX
abrj-4	85	20	adopted	adopt	VERB
abrj-4	85	21	,	,	PUNCT
abrj-4	85	22	by	by	ADP
abrj-4	85	23	focusing	focus	VERB
abrj-4	85	24	on	on	ADP
abrj-4	85	25	two	two	NUM
abrj-4	85	26	established	establish	VERB
abrj-4	85	27	small	small	ADJ
abrj-4	85	28	business	business	NOUN
abrj-4	85	29	enterprises	enterprise	NOUN
abrj-4	85	30	based	base	VERB
abrj-4	85	31	in	in	ADP
abrj-4	85	32	khayelitsha	khayelitsha	PROPN
abrj-4	85	33	township	township	PROPN
abrj-4	85	34	,	,	PUNCT
abrj-4	85	35	cape	cape	NOUN
abrj-4	85	36	town	town	NOUN
abrj-4	85	37	,	,	PUNCT
abrj-4	85	38	south	south	PROPN
abrj-4	85	39	africa	africa	PROPN
abrj-4	85	40	.	.	PUNCT
abrj-4	86	1	these	these	DET
abrj-4	86	2	two	two	NUM
abrj-4	86	3	enterprises	enterprise	NOUN
abrj-4	86	4	were	be	AUX
abrj-4	86	5	chosen	choose	VERB
abrj-4	86	6	because	because	SCONJ
abrj-4	86	7	of	of	ADP
abrj-4	86	8	close	close	ADJ
abrj-4	86	9	proximity	proximity	NOUN
abrj-4	86	10	to	to	ADP
abrj-4	86	11	the	the	DET
abrj-4	86	12	researcher	researcher	NOUN
abrj-4	86	13	.	.	PUNCT
abrj-4	87	1	the	the	DET
abrj-4	87	2	aim	aim	NOUN
abrj-4	87	3	of	of	ADP
abrj-4	87	4	the	the	DET
abrj-4	87	5	study	study	NOUN
abrj-4	87	6	was	be	AUX
abrj-4	87	7	to	to	PART
abrj-4	87	8	demonstrate	demonstrate	VERB
abrj-4	87	9	that	that	SCONJ
abrj-4	87	10	relationship	relationship	NOUN
abrj-4	87	11	lending	lending	NOUN
abrj-4	87	12	could	could	AUX
abrj-4	87	13	serve	serve	VERB
abrj-4	87	14	as	as	ADP
abrj-4	87	15	a	a	DET
abrj-4	87	16	solution	solution	NOUN
abrj-4	87	17	to	to	ADP
abrj-4	87	18	the	the	DET
abrj-4	87	19	credit	credit	NOUN
abrj-4	87	20	accessibility	accessibility	NOUN
abrj-4	87	21	problem	problem	NOUN
abrj-4	87	22	faced	face	VERB
abrj-4	87	23	by	by	ADP
abrj-4	87	24	smmes	smme	NOUN
abrj-4	87	25	in	in	ADP
abrj-4	87	26	south	south	PROPN
abrj-4	87	27	africa	africa	PROPN
abrj-4	87	28	.	.	PUNCT
abrj-4	88	1	the	the	DET
abrj-4	88	2	primary	primary	ADJ
abrj-4	88	3	data	datum	NOUN
abrj-4	88	4	was	be	AUX
abrj-4	88	5	collected	collect	VERB
abrj-4	88	6	through	through	ADP
abrj-4	88	7	interviews	interview	NOUN
abrj-4	88	8	using	use	VERB
abrj-4	88	9	semi	semi	ADJ
abrj-4	88	10	-	-	ADJ
abrj-4	88	11	structured	structured	ADJ
abrj-4	88	12	questionnaires	questionnaire	NOUN
abrj-4	88	13	comprising	comprise	VERB
abrj-4	88	14	openand	openand	NOUN
abrj-4	88	15	close	close	ADV
abrj-4	88	16	-	-	PUNCT
abrj-4	88	17	ended	end	VERB
abrj-4	88	18	questions	question	NOUN
abrj-4	88	19	.	.	PUNCT
abrj-4	89	1	interviews	interview	NOUN
abrj-4	89	2	seemed	seem	VERB
abrj-4	89	3	to	to	PART
abrj-4	89	4	be	be	AUX
abrj-4	89	5	a	a	DET
abrj-4	89	6	viable	viable	ADJ
abrj-4	89	7	research	research	NOUN
abrj-4	89	8	tool	tool	NOUN
abrj-4	89	9	to	to	PART
abrj-4	89	10	gain	gain	VERB
abrj-4	89	11	insight	insight	NOUN
abrj-4	89	12	into	into	ADP
abrj-4	89	13	the	the	DET
abrj-4	89	14	experiences	experience	NOUN
abrj-4	89	15	of	of	ADP
abrj-4	89	16	the	the	DET
abrj-4	89	17	research	research	NOUN
abrj-4	89	18	participants	participant	NOUN
abrj-4	89	19	with	with	ADP
abrj-4	89	20	banks	bank	NOUN
abrj-4	89	21	.	.	PUNCT
abrj-4	90	1	the	the	DET
abrj-4	90	2	data	datum	NOUN
abrj-4	90	3	gathered	gather	VERB
abrj-4	90	4	through	through	ADP
abrj-4	90	5	the	the	DET
abrj-4	90	6	interviews	interview	NOUN
abrj-4	90	7	was	be	AUX
abrj-4	90	8	categorized	categorize	VERB
abrj-4	90	9	into	into	ADP
abrj-4	90	10	the	the	DET
abrj-4	90	11	following	follow	VERB
abrj-4	90	12	relationship	relationship	NOUN
abrj-4	90	13	lending	lending	NOUN
abrj-4	90	14	themes	theme	NOUN
abrj-4	90	15	:	:	PUNCT
abrj-4	90	16	asian	asian	ADJ
abrj-4	90	17	business	business	NOUN
abrj-4	90	18	research	research	NOUN
abrj-4	90	19	journal	journal	NOUN
abrj-4	90	20	,	,	PUNCT
abrj-4	90	21	2019	2019	NUM
abrj-4	90	22	,	,	PUNCT
abrj-4	90	23	4	4	NUM
abrj-4	90	24	:	:	SYM
abrj-4	90	25	29	29	NUM
abrj-4	90	26	-	-	SYM
abrj-4	90	27	34	34	NUM
abrj-4	90	28	32	32	NUM
abrj-4	90	29	©	©	PROPN
abrj-4	90	30	2019	2019	NUM
abrj-4	90	31	by	by	ADP
abrj-4	90	32	the	the	DET
abrj-4	90	33	authors	author	NOUN
abrj-4	90	34	;	;	PUNCT
abrj-4	90	35	licensee	licensee	NOUN
abrj-4	90	36	eastern	eastern	ADJ
abrj-4	90	37	centre	centre	NOUN
abrj-4	90	38	of	of	ADP
abrj-4	90	39	science	science	NOUN
abrj-4	90	40	and	and	CCONJ
abrj-4	90	41	education	education	NOUN
abrj-4	90	42	,	,	PUNCT
abrj-4	90	43	usa	usa	PROPN
abrj-4	90	44			NOUN
abrj-4	91	1	challenges	challenge	NOUN
abrj-4	91	2	encountered	encounter	VERB
abrj-4	91	3	upon	upon	SCONJ
abrj-4	91	4	start	start	NOUN
abrj-4	91	5	-	-	PUNCT
abrj-4	91	6	up	up	NOUN
abrj-4	91	7	.	.	PUNCT
abrj-4	92	1			NOUN
abrj-4	92	2	reasons	reason	NOUN
abrj-4	92	3	for	for	ADP
abrj-4	92	4	declined	decline	VERB
abrj-4	92	5	finance	finance	NOUN
abrj-4	92	6	.	.	PUNCT
abrj-4	93	1			NOUN
abrj-4	93	2	service	service	NOUN
abrj-4	93	3	perceptions	perception	NOUN
abrj-4	93	4	of	of	ADP
abrj-4	93	5	banks	bank	NOUN
abrj-4	93	6	.	.	PUNCT
abrj-4	94	1			NOUN
abrj-4	94	2	duration	duration	NOUN
abrj-4	94	3	of	of	ADP
abrj-4	94	4	bank	bank	NOUN
abrj-4	94	5	-	-	PUNCT
abrj-4	94	6	borrower	borrower	NOUN
abrj-4	94	7	relationships	relationship	NOUN
abrj-4	94	8	.	.	PUNCT
abrj-4	95	1			NOUN
abrj-4	95	2	scope	scope	NOUN
abrj-4	95	3	of	of	ADP
abrj-4	95	4	relationships	relationship	NOUN
abrj-4	95	5	.	.	PUNCT
abrj-4	96	1			PRON
abrj-4	96	2	role	role	NOUN
abrj-4	96	3	of	of	ADP
abrj-4	96	4	collateral	collateral	NOUN
abrj-4	96	5	.	.	PUNCT
abrj-4	97	1			NOUN
abrj-4	97	2	relationship	relationship	NOUN
abrj-4	97	3	manager	manager	NOUN
abrj-4	97	4	.	.	PUNCT
abrj-4	98	1			NOUN
abrj-4	98	2	other	other	ADJ
abrj-4	98	3	relationships	relationship	NOUN
abrj-4	98	4	.	.	PUNCT
abrj-4	99	1	3.1	3.1	NUM
abrj-4	99	2	.	.	PUNCT
abrj-4	99	3	research	research	NOUN
abrj-4	99	4	findings	finding	NOUN
abrj-4	99	5	entity	entity	NOUN
abrj-4	99	6	a	a	PRON
abrj-4	99	7	was	be	AUX
abrj-4	99	8	a	a	DET
abrj-4	99	9	restaurant	restaurant	NOUN
abrj-4	99	10	that	that	PRON
abrj-4	99	11	hosts	host	VERB
abrj-4	99	12	corporates	corporate	VERB
abrj-4	99	13	events	event	NOUN
abrj-4	99	14	,	,	PUNCT
abrj-4	99	15	owned	own	VERB
abrj-4	99	16	by	by	ADP
abrj-4	99	17	a	a	DET
abrj-4	99	18	53	53	NUM
abrj-4	99	19	year	year	NOUN
abrj-4	99	20	-	-	PUNCT
abrj-4	99	21	old	old	ADJ
abrj-4	99	22	woman	woman	NOUN
abrj-4	99	23	(	(	PUNCT
abrj-4	99	24	with	with	ADP
abrj-4	99	25	40	40	NUM
abrj-4	99	26	%	%	NOUN
abrj-4	99	27	share	share	NOUN
abrj-4	99	28	in	in	ADP
abrj-4	99	29	the	the	DET
abrj-4	99	30	business	business	NOUN
abrj-4	99	31	)	)	PUNCT
abrj-4	99	32	and	and	CCONJ
abrj-4	99	33	her	her	PRON
abrj-4	99	34	business	business	NOUN
abrj-4	99	35	partner	partner	NOUN
abrj-4	99	36	,	,	PUNCT
abrj-4	99	37	who	who	PRON
abrj-4	99	38	is	be	AUX
abrj-4	99	39	her	her	PRON
abrj-4	99	40	26	26	NUM
abrj-4	99	41	year	year	NOUN
abrj-4	99	42	-	-	PUNCT
abrj-4	99	43	old	old	ADJ
abrj-4	99	44	daughter	daughter	NOUN
abrj-4	99	45	owns	own	VERB
abrj-4	99	46	the	the	DET
abrj-4	99	47	majority	majority	NOUN
abrj-4	99	48	(	(	PUNCT
abrj-4	99	49	60	60	NUM
abrj-4	99	50	%	%	NOUN
abrj-4	99	51	)	)	PUNCT
abrj-4	99	52	of	of	ADP
abrj-4	99	53	the	the	DET
abrj-4	99	54	business	business	NOUN
abrj-4	99	55	.	.	PUNCT
abrj-4	100	1	the	the	DET
abrj-4	100	2	business	business	NOUN
abrj-4	100	3	has	have	AUX
abrj-4	100	4	been	be	AUX
abrj-4	100	5	in	in	ADP
abrj-4	100	6	operation	operation	NOUN
abrj-4	100	7	since	since	SCONJ
abrj-4	100	8	2010	2010	NUM
abrj-4	100	9	.	.	PUNCT
abrj-4	101	1	entity	entity	NOUN
abrj-4	101	2	b	b	PROPN
abrj-4	101	3	which	which	PRON
abrj-4	101	4	is	be	AUX
abrj-4	101	5	an	an	DET
abrj-4	101	6	entertainment	entertainment	NOUN
abrj-4	101	7	business	business	NOUN
abrj-4	101	8	that	that	PRON
abrj-4	101	9	provides	provide	VERB
abrj-4	101	10	weekend	weekend	NOUN
abrj-4	101	11	entertainment	entertainment	NOUN
abrj-4	101	12	to	to	ADP
abrj-4	101	13	the	the	DET
abrj-4	101	14	elite	elite	ADJ
abrj-4	101	15	and	and	CCONJ
abrj-4	101	16	mature	mature	ADJ
abrj-4	101	17	sector	sector	NOUN
abrj-4	101	18	of	of	ADP
abrj-4	101	19	the	the	DET
abrj-4	101	20	community	community	NOUN
abrj-4	101	21	was	be	AUX
abrj-4	101	22	also	also	ADV
abrj-4	101	23	owned	own	VERB
abrj-4	101	24	by	by	ADP
abrj-4	101	25	a	a	DET
abrj-4	101	26	woman	woman	NOUN
abrj-4	101	27	aged	age	VERB
abrj-4	101	28	50	50	NUM
abrj-4	101	29	years	year	NOUN
abrj-4	101	30	,	,	PUNCT
abrj-4	101	31	and	and	CCONJ
abrj-4	101	32	she	she	PRON
abrj-4	101	33	was	be	AUX
abrj-4	101	34	the	the	DET
abrj-4	101	35	sole	sole	ADJ
abrj-4	101	36	owner	owner	NOUN
abrj-4	101	37	.	.	PUNCT
abrj-4	102	1	the	the	DET
abrj-4	102	2	entity	entity	NOUN
abrj-4	102	3	was	be	AUX
abrj-4	102	4	registered	register	VERB
abrj-4	102	5	as	as	ADP
abrj-4	102	6	a	a	DET
abrj-4	102	7	close	close	ADJ
abrj-4	102	8	corporation	corporation	NOUN
abrj-4	102	9	since	since	SCONJ
abrj-4	102	10	2004	2004	NUM
abrj-4	102	11	.	.	PUNCT
abrj-4	103	1	prior	prior	ADV
abrj-4	103	2	to	to	ADP
abrj-4	103	3	formal	formal	ADJ
abrj-4	103	4	registration	registration	NOUN
abrj-4	103	5	,	,	PUNCT
abrj-4	103	6	the	the	DET
abrj-4	103	7	business	business	NOUN
abrj-4	103	8	was	be	AUX
abrj-4	103	9	operating	operate	VERB
abrj-4	103	10	informally	informally	ADV
abrj-4	103	11	while	while	SCONJ
abrj-4	103	12	the	the	DET
abrj-4	103	13	business	business	NOUN
abrj-4	103	14	owner	owner	NOUN
abrj-4	103	15	was	be	AUX
abrj-4	103	16	still	still	ADV
abrj-4	103	17	in	in	ADP
abrj-4	103	18	formal	formal	ADJ
abrj-4	103	19	employment	employment	NOUN
abrj-4	103	20	.	.	PUNCT
abrj-4	104	1	3.2	3.2	NUM
abrj-4	104	2	.	.	PUNCT
abrj-4	104	3	source	source	NOUN
abrj-4	104	4	of	of	ADP
abrj-4	104	5	start	start	NOUN
abrj-4	104	6	-	-	PUNCT
abrj-4	104	7	up	up	ADP
abrj-4	104	8	finance	finance	NOUN
abrj-4	104	9	entity	entity	NOUN
abrj-4	104	10	a	a	PRON
abrj-4	104	11	was	be	AUX
abrj-4	104	12	established	establish	VERB
abrj-4	104	13	through	through	ADP
abrj-4	104	14	the	the	DET
abrj-4	104	15	savings	saving	NOUN
abrj-4	104	16	and	and	CCONJ
abrj-4	104	17	pension	pension	NOUN
abrj-4	104	18	funds	fund	NOUN
abrj-4	104	19	of	of	ADP
abrj-4	104	20	the	the	DET
abrj-4	104	21	owner	owner	NOUN
abrj-4	104	22	.	.	PUNCT
abrj-4	105	1	credit	credit	NOUN
abrj-4	105	2	funding	funding	NOUN
abrj-4	105	3	was	be	AUX
abrj-4	105	4	applied	apply	VERB
abrj-4	105	5	for	for	ADP
abrj-4	105	6	from	from	ADP
abrj-4	105	7	a	a	DET
abrj-4	105	8	bank	bank	NOUN
abrj-4	105	9	credit	credit	NOUN
abrj-4	105	10	,	,	PUNCT
abrj-4	105	11	but	but	CCONJ
abrj-4	105	12	the	the	DET
abrj-4	105	13	application	application	NOUN
abrj-4	105	14	was	be	AUX
abrj-4	105	15	declined	decline	VERB
abrj-4	105	16	based	base	VERB
abrj-4	105	17	on	on	ADP
abrj-4	105	18	the	the	DET
abrj-4	105	19	adverse	adverse	ADJ
abrj-4	105	20	credit	credit	NOUN
abrj-4	105	21	record	record	NOUN
abrj-4	105	22	of	of	ADP
abrj-4	105	23	the	the	DET
abrj-4	105	24	borrower	borrower	NOUN
abrj-4	105	25	.	.	PUNCT
abrj-4	106	1	entity	entity	NOUN
abrj-4	106	2	b	b	PROPN
abrj-4	106	3	was	be	AUX
abrj-4	106	4	also	also	ADV
abrj-4	106	5	funded	fund	VERB
abrj-4	106	6	from	from	ADP
abrj-4	106	7	the	the	DET
abrj-4	106	8	owners	owner	NOUN
abrj-4	106	9	own	own	ADJ
abrj-4	106	10	funds	fund	NOUN
abrj-4	106	11	,	,	PUNCT
abrj-4	106	12	being	be	AUX
abrj-4	106	13	the	the	DET
abrj-4	106	14	proceeds	proceed	NOUN
abrj-4	106	15	of	of	ADP
abrj-4	106	16	her	her	PRON
abrj-4	106	17	retirement	retirement	NOUN
abrj-4	106	18	.	.	PUNCT
abrj-4	107	1	the	the	DET
abrj-4	107	2	owner	owner	NOUN
abrj-4	107	3	also	also	ADV
abrj-4	107	4	applied	apply	VERB
abrj-4	107	5	for	for	ADP
abrj-4	107	6	finance	finance	NOUN
abrj-4	107	7	at	at	ADP
abrj-4	107	8	a	a	DET
abrj-4	107	9	bank	bank	NOUN
abrj-4	107	10	but	but	CCONJ
abrj-4	107	11	the	the	DET
abrj-4	107	12	loan	loan	NOUN
abrj-4	107	13	was	be	AUX
abrj-4	107	14	declined	decline	VERB
abrj-4	107	15	.	.	PUNCT
abrj-4	108	1	nevertheless	nevertheless	ADV
abrj-4	108	2	,	,	PUNCT
abrj-4	108	3	she	she	PRON
abrj-4	108	4	made	make	VERB
abrj-4	108	5	progress	progress	NOUN
abrj-4	108	6	using	use	VERB
abrj-4	108	7	her	her	PRON
abrj-4	108	8	own	own	ADJ
abrj-4	108	9	resources	resource	NOUN
abrj-4	108	10	,	,	PUNCT
abrj-4	108	11	but	but	CCONJ
abrj-4	108	12	when	when	SCONJ
abrj-4	108	13	she	she	PRON
abrj-4	108	14	was	be	AUX
abrj-4	108	15	becoming	become	VERB
abrj-4	108	16	successful	successful	ADJ
abrj-4	108	17	,	,	PUNCT
abrj-4	108	18	the	the	DET
abrj-4	108	19	bank	bank	NOUN
abrj-4	108	20	showed	show	VERB
abrj-4	108	21	interest	interest	NOUN
abrj-4	108	22	in	in	ADP
abrj-4	108	23	her	her	PRON
abrj-4	108	24	business	business	NOUN
abrj-4	108	25	,	,	PUNCT
abrj-4	108	26	but	but	CCONJ
abrj-4	108	27	because	because	SCONJ
abrj-4	108	28	of	of	ADP
abrj-4	108	29	her	her	PRON
abrj-4	108	30	poor	poor	ADJ
abrj-4	108	31	experiences	experience	NOUN
abrj-4	108	32	with	with	ADP
abrj-4	108	33	the	the	DET
abrj-4	108	34	bank	bank	NOUN
abrj-4	108	35	,	,	PUNCT
abrj-4	108	36	she	she	PRON
abrj-4	108	37	refused	refuse	VERB
abrj-4	108	38	to	to	PART
abrj-4	108	39	get	get	VERB
abrj-4	108	40	involved	involve	VERB
abrj-4	108	41	with	with	ADP
abrj-4	108	42	the	the	DET
abrj-4	108	43	bank	bank	NOUN
abrj-4	108	44	.	.	PUNCT
abrj-4	109	1	instead	instead	ADV
abrj-4	109	2	she	she	PRON
abrj-4	109	3	used	use	VERB
abrj-4	109	4	a	a	DET
abrj-4	109	5	r1.2	r1.2	NOUN
abrj-4	109	6	million	million	NUM
abrj-4	109	7	loan	loan	NOUN
abrj-4	109	8	from	from	ADP
abrj-4	109	9	khula	khula	PROPN
abrj-4	109	10	finance	finance	PROPN
abrj-4	109	11	.	.	PUNCT
abrj-4	110	1	3.3	3.3	NUM
abrj-4	110	2	.	.	PUNCT
abrj-4	111	1	challenges	challenge	NOUN
abrj-4	111	2	encountered	encounter	VERB
abrj-4	111	3	at	at	ADP
abrj-4	111	4	start	start	NOUN
abrj-4	111	5	-	-	PUNCT
abrj-4	111	6	up	up	ADP
abrj-4	111	7	i.	i.	NOUN
abrj-4	111	8	access	access	NOUN
abrj-4	111	9	to	to	PART
abrj-4	111	10	finance	finance	VERB
abrj-4	111	11	both	both	DET
abrj-4	111	12	entities	entity	NOUN
abrj-4	111	13	alluded	allude	VERB
abrj-4	111	14	to	to	ADP
abrj-4	111	15	two	two	NUM
abrj-4	111	16	great	great	ADJ
abrj-4	111	17	needs	need	NOUN
abrj-4	111	18	:	:	PUNCT
abrj-4	111	19	assistance	assistance	NOUN
abrj-4	111	20	at	at	ADP
abrj-4	111	21	the	the	DET
abrj-4	111	22	time	time	NOUN
abrj-4	111	23	of	of	ADP
abrj-4	111	24	start	start	NOUN
abrj-4	111	25	-	-	PUNCT
abrj-4	111	26	up	up	NOUN
abrj-4	111	27	and	and	CCONJ
abrj-4	111	28	the	the	DET
abrj-4	111	29	bridging	bridging	NOUN
abrj-4	111	30	working	work	VERB
abrj-4	111	31	capital	capital	NOUN
abrj-4	111	32	finance	finance	NOUN
abrj-4	111	33	.	.	PUNCT
abrj-4	112	1	both	both	DET
abrj-4	112	2	businesses	business	NOUN
abrj-4	112	3	,	,	PUNCT
abrj-4	112	4	they	they	PRON
abrj-4	112	5	struggled	struggle	VERB
abrj-4	112	6	to	to	PART
abrj-4	112	7	get	get	VERB
abrj-4	112	8	financing	financing	NOUN
abrj-4	112	9	when	when	SCONJ
abrj-4	112	10	at	at	ADP
abrj-4	112	11	the	the	DET
abrj-4	112	12	start	start	VERB
abrj-4	112	13	-	-	PUNCT
abrj-4	112	14	up	up	ADP
abrj-4	112	15	phase	phase	NOUN
abrj-4	112	16	.	.	PUNCT
abrj-4	113	1	upon	upon	SCONJ
abrj-4	113	2	start	start	NOUN
abrj-4	113	3	-	-	PUNCT
abrj-4	113	4	up	up	NOUN
abrj-4	113	5	,	,	PUNCT
abrj-4	113	6	the	the	DET
abrj-4	113	7	owner	owner	NOUN
abrj-4	113	8	of	of	ADP
abrj-4	113	9	entity	entity	NOUN
abrj-4	113	10	a	a	DET
abrj-4	113	11	realised	realise	VERB
abrj-4	113	12	that	that	SCONJ
abrj-4	113	13	corporates	corporate	NOUN
abrj-4	113	14	wanted	want	VERB
abrj-4	113	15	her	her	PRON
abrj-4	113	16	service	service	NOUN
abrj-4	113	17	,	,	PUNCT
abrj-4	113	18	but	but	CCONJ
abrj-4	113	19	after	after	ADP
abrj-4	113	20	sending	send	VERB
abrj-4	113	21	an	an	DET
abrj-4	113	22	invoice	invoice	NOUN
abrj-4	113	23	she	she	PRON
abrj-4	113	24	would	would	AUX
abrj-4	113	25	have	have	VERB
abrj-4	113	26	to	to	PART
abrj-4	113	27	wait	wait	VERB
abrj-4	113	28	for	for	ADP
abrj-4	113	29	a	a	DET
abrj-4	113	30	month	month	NOUN
abrj-4	113	31	or	or	CCONJ
abrj-4	113	32	two	two	NUM
abrj-4	113	33	,	,	PUNCT
abrj-4	113	34	before	before	ADP
abrj-4	113	35	receiving	receive	VERB
abrj-4	113	36	payment	payment	NOUN
abrj-4	113	37	.	.	PUNCT
abrj-4	114	1	because	because	SCONJ
abrj-4	114	2	of	of	ADP
abrj-4	114	3	insufficient	insufficient	ADJ
abrj-4	114	4	working	working	NOUN
abrj-4	114	5	capital	capital	NOUN
abrj-4	114	6	,	,	PUNCT
abrj-4	114	7	at	at	ADP
abrj-4	114	8	times	time	NOUN
abrj-4	114	9	she	she	PRON
abrj-4	114	10	would	would	AUX
abrj-4	114	11	owe	owe	VERB
abrj-4	114	12	her	her	PRON
abrj-4	114	13	creditors	creditor	NOUN
abrj-4	114	14	for	for	ADP
abrj-4	114	15	long	long	ADJ
abrj-4	114	16	periods	period	NOUN
abrj-4	114	17	,	,	PUNCT
abrj-4	114	18	and	and	CCONJ
abrj-4	114	19	thereby	thereby	ADV
abrj-4	114	20	earn	earn	VERB
abrj-4	114	21	a	a	DET
abrj-4	114	22	bad	bad	ADJ
abrj-4	114	23	credit	credit	NOUN
abrj-4	114	24	record	record	NOUN
abrj-4	114	25	.	.	PUNCT
abrj-4	115	1	she	she	PRON
abrj-4	115	2	believed	believe	VERB
abrj-4	115	3	that	that	SCONJ
abrj-4	115	4	,	,	PUNCT
abrj-4	115	5	had	have	AUX
abrj-4	115	6	she	she	PRON
abrj-4	115	7	received	receive	VERB
abrj-4	115	8	financial	financial	ADJ
abrj-4	115	9	support	support	NOUN
abrj-4	115	10	,	,	PUNCT
abrj-4	115	11	she	she	PRON
abrj-4	115	12	would	would	AUX
abrj-4	115	13	have	have	AUX
abrj-4	115	14	performed	perform	VERB
abrj-4	115	15	better	well	ADV
abrj-4	115	16	than	than	SCONJ
abrj-4	115	17	she	she	PRON
abrj-4	115	18	has	have	AUX
abrj-4	115	19	done	do	VERB
abrj-4	115	20	to	to	ADP
abrj-4	115	21	date	date	NOUN
abrj-4	115	22	.	.	PUNCT
abrj-4	116	1	after	after	ADP
abrj-4	116	2	running	run	VERB
abrj-4	116	3	her	her	PRON
abrj-4	116	4	business	business	NOUN
abrj-4	116	5	for	for	ADP
abrj-4	116	6	a	a	DET
abrj-4	116	7	while	while	NOUN
abrj-4	116	8	,	,	PUNCT
abrj-4	116	9	the	the	DET
abrj-4	116	10	owner	owner	NOUN
abrj-4	116	11	of	of	ADP
abrj-4	116	12	entity	entity	NOUN
abrj-4	116	13	b	b	PROPN
abrj-4	116	14	discovered	discover	VERB
abrj-4	116	15	that	that	SCONJ
abrj-4	116	16	as	as	SCONJ
abrj-4	116	17	her	her	PRON
abrj-4	116	18	business	business	NOUN
abrj-4	116	19	grew	grow	VERB
abrj-4	116	20	she	she	PRON
abrj-4	116	21	could	could	AUX
abrj-4	116	22	not	not	PART
abrj-4	116	23	keep	keep	VERB
abrj-4	116	24	up	up	ADP
abrj-4	116	25	with	with	ADP
abrj-4	116	26	the	the	DET
abrj-4	116	27	demand	demand	NOUN
abrj-4	116	28	and	and	CCONJ
abrj-4	116	29	had	have	VERB
abrj-4	116	30	to	to	PART
abrj-4	116	31	source	source	VERB
abrj-4	116	32	funds	fund	NOUN
abrj-4	116	33	in	in	ADP
abrj-4	116	34	order	order	NOUN
abrj-4	116	35	to	to	PART
abrj-4	116	36	increase	increase	VERB
abrj-4	116	37	her	her	PRON
abrj-4	116	38	stock	stock	NOUN
abrj-4	116	39	.	.	PUNCT
abrj-4	117	1	this	this	PRON
abrj-4	117	2	proved	prove	VERB
abrj-4	117	3	to	to	PART
abrj-4	117	4	be	be	AUX
abrj-4	117	5	a	a	DET
abrj-4	117	6	very	very	ADV
abrj-4	117	7	difficult	difficult	ADJ
abrj-4	117	8	exercise	exercise	NOUN
abrj-4	117	9	,	,	PUNCT
abrj-4	117	10	but	but	CCONJ
abrj-4	117	11	she	she	PRON
abrj-4	117	12	overcame	overcome	VERB
abrj-4	117	13	the	the	DET
abrj-4	117	14	hurdle	hurdle	NOUN
abrj-4	117	15	since	since	SCONJ
abrj-4	117	16	she	she	PRON
abrj-4	117	17	also	also	ADV
abrj-4	117	18	obtained	obtain	VERB
abrj-4	117	19	finance	finance	NOUN
abrj-4	117	20	from	from	ADP
abrj-4	117	21	khula	khula	PROPN
abrj-4	117	22	finance	finance	PROPN
abrj-4	117	23	.	.	PUNCT
abrj-4	118	1	other	other	ADJ
abrj-4	118	2	than	than	ADP
abrj-4	118	3	access	access	NOUN
abrj-4	118	4	to	to	ADP
abrj-4	118	5	finance	finance	NOUN
abrj-4	118	6	,	,	PUNCT
abrj-4	118	7	both	both	DET
abrj-4	118	8	entities	entity	NOUN
abrj-4	118	9	mentioned	mention	VERB
abrj-4	118	10	the	the	DET
abrj-4	118	11	following	follow	VERB
abrj-4	118	12	challenges	challenge	NOUN
abrj-4	118	13	upon	upon	SCONJ
abrj-4	118	14	start	start	NOUN
abrj-4	118	15	-	-	PUNCT
abrj-4	118	16	up	up	NOUN
abrj-4	118	17	:	:	PUNCT
abrj-4	118	18	ii	ii	NOUN
abrj-4	118	19	.	.	PUNCT
abrj-4	119	1	formal	formal	ADJ
abrj-4	119	2	registration	registration	NOUN
abrj-4	119	3	hurdles	hurdle	NOUN
abrj-4	119	4	both	both	DET
abrj-4	119	5	entities	entity	NOUN
abrj-4	119	6	did	do	AUX
abrj-4	119	7	not	not	PART
abrj-4	119	8	have	have	VERB
abrj-4	119	9	knowledge	knowledge	NOUN
abrj-4	119	10	of	of	ADP
abrj-4	119	11	registration	registration	NOUN
abrj-4	119	12	places	place	NOUN
abrj-4	119	13	,	,	PUNCT
abrj-4	119	14	guidelines	guideline	NOUN
abrj-4	119	15	and	and	CCONJ
abrj-4	119	16	processes	process	NOUN
abrj-4	119	17	.	.	PUNCT
abrj-4	120	1	the	the	DET
abrj-4	120	2	information	information	NOUN
abrj-4	120	3	they	they	PRON
abrj-4	120	4	gathered	gather	VERB
abrj-4	120	5	was	be	AUX
abrj-4	120	6	from	from	ADP
abrj-4	120	7	informal	informal	ADJ
abrj-4	120	8	sources	source	NOUN
abrj-4	120	9	and	and	CCONJ
abrj-4	120	10	not	not	PART
abrj-4	120	11	always	always	ADV
abrj-4	120	12	reliable	reliable	ADJ
abrj-4	120	13	.	.	PUNCT
abrj-4	121	1	iii	iii	X
abrj-4	121	2	.	.	PUNCT
abrj-4	121	3	information	information	NOUN
abrj-4	121	4	and	and	CCONJ
abrj-4	121	5	„	„	PUNCT
abrj-4	121	6	know	know	ADJ
abrj-4	121	7	-	-	PUNCT
abrj-4	121	8	how‟	how‟	NOUN
abrj-4	121	9	information	information	NOUN
abrj-4	121	10	regarding	regard	VERB
abrj-4	121	11	suppliers	supplier	NOUN
abrj-4	121	12	and	and	CCONJ
abrj-4	121	13	network	network	NOUN
abrj-4	121	14	of	of	ADP
abrj-4	121	15	businesses	business	NOUN
abrj-4	121	16	was	be	AUX
abrj-4	121	17	not	not	PART
abrj-4	121	18	easy	easy	ADJ
abrj-4	121	19	to	to	PART
abrj-4	121	20	find	find	VERB
abrj-4	121	21	.	.	PUNCT
abrj-4	122	1	though	though	SCONJ
abrj-4	122	2	they	they	PRON
abrj-4	122	3	could	could	AUX
abrj-4	122	4	find	find	VERB
abrj-4	122	5	some	some	DET
abrj-4	122	6	information	information	NOUN
abrj-4	122	7	,	,	PUNCT
abrj-4	122	8	the	the	DET
abrj-4	122	9	suppliers	supplier	NOUN
abrj-4	122	10	were	be	AUX
abrj-4	122	11	not	not	PART
abrj-4	122	12	always	always	ADV
abrj-4	122	13	the	the	DET
abrj-4	122	14	most	most	ADV
abrj-4	122	15	competitive	competitive	ADJ
abrj-4	122	16	in	in	ADP
abrj-4	122	17	terms	term	NOUN
abrj-4	122	18	of	of	ADP
abrj-4	122	19	price	price	NOUN
abrj-4	122	20	and	and	CCONJ
abrj-4	122	21	supply	supply	NOUN
abrj-4	122	22	terms	term	NOUN
abrj-4	122	23	.	.	PUNCT
abrj-4	123	1	iv	iv	X
abrj-4	123	2	.	.	NOUN
abrj-4	123	3	skills	skill	NOUN
abrj-4	123	4	the	the	DET
abrj-4	123	5	two	two	NUM
abrj-4	123	6	business	business	NOUN
abrj-4	123	7	owners	owner	NOUN
abrj-4	123	8	started	start	VERB
abrj-4	123	9	businesses	business	NOUN
abrj-4	123	10	that	that	PRON
abrj-4	123	11	on	on	ADP
abrj-4	123	12	which	which	PRON
abrj-4	123	13	they	they	PRON
abrj-4	123	14	did	do	AUX
abrj-4	123	15	not	not	PART
abrj-4	123	16	have	have	VERB
abrj-4	123	17	in	in	ADP
abrj-4	123	18	-	-	PUNCT
abrj-4	123	19	depth	depth	NOUN
abrj-4	123	20	knowledge	knowledge	NOUN
abrj-4	123	21	and	and	CCONJ
abrj-4	123	22	,	,	PUNCT
abrj-4	123	23	as	as	ADP
abrj-4	123	24	such	such	ADJ
abrj-4	123	25	,	,	PUNCT
abrj-4	123	26	had	have	VERB
abrj-4	123	27	to	to	PART
abrj-4	123	28	learn	learn	VERB
abrj-4	123	29	their	their	PRON
abrj-4	123	30	industry	industry	NOUN
abrj-4	123	31	-	-	PUNCT
abrj-4	123	32	related	relate	VERB
abrj-4	123	33	skills	skill	NOUN
abrj-4	123	34	by	by	ADP
abrj-4	123	35	doing	do	VERB
abrj-4	123	36	.	.	PUNCT
abrj-4	124	1	both	both	PRON
abrj-4	124	2	pride	pride	VERB
abrj-4	124	3	themselves	themselves	PRON
abrj-4	124	4	in	in	ADP
abrj-4	124	5	the	the	DET
abrj-4	124	6	fact	fact	NOUN
abrj-4	124	7	they	they	PRON
abrj-4	124	8	learnt	learn	VERB
abrj-4	124	9	very	very	ADV
abrj-4	124	10	quickly	quickly	ADV
abrj-4	124	11	,	,	PUNCT
abrj-4	124	12	they	they	PRON
abrj-4	124	13	understood	understand	VERB
abrj-4	124	14	budgeting	budgeting	NOUN
abrj-4	124	15	and	and	CCONJ
abrj-4	124	16	their	their	PRON
abrj-4	124	17	financial	financial	ADJ
abrj-4	124	18	requirements	requirement	NOUN
abrj-4	124	19	.	.	PUNCT
abrj-4	125	1	however	however	ADV
abrj-4	125	2	,	,	PUNCT
abrj-4	125	3	they	they	PRON
abrj-4	125	4	conceded	concede	VERB
abrj-4	125	5	that	that	SCONJ
abrj-4	125	6	their	their	PRON
abrj-4	125	7	formal	formal	ADJ
abrj-4	125	8	accounting	accounting	NOUN
abrj-4	125	9	skills	skill	NOUN
abrj-4	125	10	are	be	AUX
abrj-4	125	11	minimal	minimal	ADJ
abrj-4	125	12	as	as	SCONJ
abrj-4	125	13	they	they	PRON
abrj-4	125	14	rely	rely	VERB
abrj-4	125	15	much	much	ADV
abrj-4	125	16	on	on	ADP
abrj-4	125	17	their	their	PRON
abrj-4	125	18	accountants	accountant	NOUN
abrj-4	125	19	who	who	PRON
abrj-4	125	20	prepare	prepare	VERB
abrj-4	125	21	their	their	PRON
abrj-4	125	22	financial	financial	ADJ
abrj-4	125	23	statements	statement	NOUN
abrj-4	125	24	.	.	PUNCT
abrj-4	126	1	3.4	3.4	NUM
abrj-4	126	2	.	.	PUNCT
abrj-4	126	3	reasons	reason	NOUN
abrj-4	126	4	why	why	SCONJ
abrj-4	126	5	applications	application	NOUN
abrj-4	126	6	for	for	ADP
abrj-4	126	7	finance	finance	NOUN
abrj-4	126	8	were	be	AUX
abrj-4	126	9	declined	decline	VERB
abrj-4	126	10	entity	entity	NOUN
abrj-4	126	11	a‟s	a‟s	NOUN
abrj-4	126	12	application	application	NOUN
abrj-4	126	13	for	for	ADP
abrj-4	126	14	credit	credit	NOUN
abrj-4	126	15	was	be	AUX
abrj-4	126	16	declined	decline	VERB
abrj-4	126	17	because	because	SCONJ
abrj-4	126	18	of	of	ADP
abrj-4	126	19	adverse	adverse	ADJ
abrj-4	126	20	credit	credit	NOUN
abrj-4	126	21	scores	score	NOUN
abrj-4	126	22	relating	relate	VERB
abrj-4	126	23	to	to	ADP
abrj-4	126	24	the	the	DET
abrj-4	126	25	owner	owner	NOUN
abrj-4	126	26	and	and	CCONJ
abrj-4	126	27	she	she	PRON
abrj-4	126	28	was	be	AUX
abrj-4	126	29	not	not	PART
abrj-4	126	30	willing	willing	ADJ
abrj-4	126	31	to	to	PART
abrj-4	126	32	provide	provide	VERB
abrj-4	126	33	her	her	PRON
abrj-4	126	34	unencumbered	unencumbered	ADJ
abrj-4	126	35	residential	residential	ADJ
abrj-4	126	36	property	property	NOUN
abrj-4	126	37	as	as	ADP
abrj-4	126	38	a	a	DET
abrj-4	126	39	collateral	collateral	NOUN
abrj-4	126	40	.	.	PUNCT
abrj-4	127	1	the	the	DET
abrj-4	127	2	adverse	adverse	ADJ
abrj-4	127	3	credit	credit	NOUN
abrj-4	127	4	scores	score	NOUN
abrj-4	127	5	were	be	AUX
abrj-4	127	6	instrumental	instrumental	ADJ
abrj-4	127	7	in	in	ADP
abrj-4	127	8	motivating	motivate	VERB
abrj-4	127	9	the	the	DET
abrj-4	127	10	owner	owner	NOUN
abrj-4	127	11	of	of	ADP
abrj-4	127	12	entity	entity	NOUN
abrj-4	127	13	a	a	PRON
abrj-4	127	14	to	to	PART
abrj-4	127	15	start	start	VERB
abrj-4	127	16	the	the	DET
abrj-4	127	17	business	business	NOUN
abrj-4	127	18	–	–	PUNCT
abrj-4	127	19	she	she	PRON
abrj-4	127	20	wanted	want	VERB
abrj-4	127	21	to	to	PART
abrj-4	127	22	get	get	VERB
abrj-4	127	23	out	out	ADP
abrj-4	127	24	of	of	ADP
abrj-4	127	25	the	the	DET
abrj-4	127	26	debt	debt	NOUN
abrj-4	127	27	trap	trap	NOUN
abrj-4	127	28	and	and	CCONJ
abrj-4	127	29	wanted	want	VERB
abrj-4	127	30	to	to	PART
abrj-4	127	31	liberate	liberate	VERB
abrj-4	127	32	herself	herself	PRON
abrj-4	127	33	financially	financially	ADV
abrj-4	127	34	.	.	PUNCT
abrj-4	128	1	entity	entity	NOUN
abrj-4	128	2	b‟s	b‟s	NOUN
abrj-4	128	3	application	application	NOUN
abrj-4	128	4	for	for	ADP
abrj-4	128	5	finance	finance	NOUN
abrj-4	128	6	was	be	AUX
abrj-4	128	7	declined	decline	VERB
abrj-4	128	8	because	because	SCONJ
abrj-4	128	9	the	the	DET
abrj-4	128	10	bank	bank	NOUN
abrj-4	128	11	did	do	AUX
abrj-4	128	12	not	not	PART
abrj-4	128	13	believe	believe	VERB
abrj-4	128	14	that	that	SCONJ
abrj-4	128	15	the	the	DET
abrj-4	128	16	business	business	NOUN
abrj-4	128	17	was	be	AUX
abrj-4	128	18	viable	viable	ADJ
abrj-4	128	19	.	.	PUNCT
abrj-4	129	1	this	this	PRON
abrj-4	129	2	was	be	AUX
abrj-4	129	3	disappointing	disappointing	ADJ
abrj-4	129	4	to	to	ADP
abrj-4	129	5	the	the	DET
abrj-4	129	6	owner	owner	NOUN
abrj-4	129	7	;	;	PUNCT
abrj-4	129	8	however	however	ADV
abrj-4	129	9	,	,	PUNCT
abrj-4	129	10	more	more	ADV
abrj-4	129	11	disappointing	disappointing	ADJ
abrj-4	129	12	was	be	AUX
abrj-4	129	13	that	that	SCONJ
abrj-4	129	14	she	she	PRON
abrj-4	129	15	felt	feel	VERB
abrj-4	129	16	the	the	DET
abrj-4	129	17	bank	bank	NOUN
abrj-4	129	18	understood	understand	VERB
abrj-4	129	19	little	little	ADJ
abrj-4	129	20	of	of	ADP
abrj-4	129	21	the	the	DET
abrj-4	129	22	potential	potential	NOUN
abrj-4	129	23	of	of	ADP
abrj-4	129	24	the	the	DET
abrj-4	129	25	business	business	NOUN
abrj-4	129	26	.	.	PUNCT
abrj-4	130	1	3.5	3.5	NUM
abrj-4	130	2	.	.	PUNCT
abrj-4	130	3	collateral	collateral	NOUN
abrj-4	130	4	as	as	ADP
abrj-4	130	5	part	part	NOUN
abrj-4	130	6	of	of	ADP
abrj-4	130	7	the	the	DET
abrj-4	130	8	loan	loan	NOUN
abrj-4	130	9	contract	contract	NOUN
abrj-4	130	10	due	due	ADP
abrj-4	130	11	to	to	ADP
abrj-4	130	12	a	a	DET
abrj-4	130	13	bad	bad	ADJ
abrj-4	130	14	credit	credit	NOUN
abrj-4	130	15	record	record	NOUN
abrj-4	130	16	at	at	ADP
abrj-4	130	17	the	the	DET
abrj-4	130	18	time	time	NOUN
abrj-4	130	19	of	of	ADP
abrj-4	130	20	applying	apply	VERB
abrj-4	130	21	for	for	ADP
abrj-4	130	22	the	the	DET
abrj-4	130	23	loan	loan	NOUN
abrj-4	130	24	,	,	PUNCT
abrj-4	130	25	the	the	DET
abrj-4	130	26	bank	bank	NOUN
abrj-4	130	27	requested	request	VERB
abrj-4	130	28	collateral	collateral	NOUN
abrj-4	130	29	from	from	ADP
abrj-4	130	30	entity	entity	NOUN
abrj-4	130	31	a.	a.	NOUN
abrj-4	130	32	however	however	ADV
abrj-4	130	33	,	,	PUNCT
abrj-4	130	34	the	the	DET
abrj-4	130	35	owner	owner	NOUN
abrj-4	130	36	she	she	PRON
abrj-4	130	37	was	be	AUX
abrj-4	130	38	very	very	ADV
abrj-4	130	39	unwilling	unwilling	ADJ
abrj-4	130	40	to	to	PART
abrj-4	130	41	do	do	VERB
abrj-4	130	42	so	so	ADV
abrj-4	130	43	.	.	PUNCT
abrj-4	131	1	entity	entity	NOUN
abrj-4	131	2	b	b	PROPN
abrj-4	131	3	had	have	VERB
abrj-4	131	4	a	a	DET
abrj-4	131	5	loan	loan	NOUN
abrj-4	131	6	which	which	PRON
abrj-4	131	7	was	be	AUX
abrj-4	131	8	backed	back	VERB
abrj-4	131	9	up	up	ADP
abrj-4	131	10	by	by	ADP
abrj-4	131	11	the	the	DET
abrj-4	131	12	property	property	NOUN
abrj-4	131	13	collateral	collateral	NOUN
abrj-4	131	14	.	.	PUNCT
abrj-4	132	1	the	the	DET
abrj-4	132	2	owner	owner	NOUN
abrj-4	132	3	had	have	VERB
abrj-4	132	4	a	a	DET
abrj-4	132	5	number	number	NOUN
abrj-4	132	6	of	of	ADP
abrj-4	132	7	loans	loan	NOUN
abrj-4	132	8	,	,	PUNCT
abrj-4	132	9	but	but	CCONJ
abrj-4	132	10	they	they	PRON
abrj-4	132	11	were	be	AUX
abrj-4	132	12	not	not	PART
abrj-4	132	13	business	business	NOUN
abrj-4	132	14	loans	loan	NOUN
abrj-4	132	15	,	,	PUNCT
abrj-4	132	16	but	but	CCONJ
abrj-4	132	17	personal	personal	ADJ
abrj-4	132	18	loans	loan	NOUN
abrj-4	132	19	taken	take	VERB
abrj-4	132	20	when	when	SCONJ
abrj-4	132	21	she	she	PRON
abrj-4	132	22	realised	realise	VERB
abrj-4	132	23	that	that	SCONJ
abrj-4	132	24	her	her	PRON
abrj-4	132	25	working	working	NOUN
abrj-4	132	26	capital	capital	NOUN
abrj-4	132	27	was	be	AUX
abrj-4	132	28	not	not	PART
abrj-4	132	29	sufficient	sufficient	ADJ
abrj-4	132	30	.	.	PUNCT
abrj-4	133	1	asian	asian	ADJ
abrj-4	133	2	business	business	PROPN
abrj-4	133	3	research	research	NOUN
abrj-4	133	4	journal	journal	NOUN
abrj-4	133	5	,	,	PUNCT
abrj-4	133	6	2019	2019	NUM
abrj-4	133	7	,	,	PUNCT
abrj-4	133	8	4	4	NUM
abrj-4	133	9	:	:	SYM
abrj-4	133	10	29	29	NUM
abrj-4	133	11	-	-	SYM
abrj-4	133	12	34	34	NUM
abrj-4	133	13	33	33	NUM
abrj-4	133	14	©	©	PROPN
abrj-4	133	15	2019	2019	NUM
abrj-4	133	16	by	by	ADP
abrj-4	133	17	the	the	DET
abrj-4	133	18	authors	author	NOUN
abrj-4	133	19	;	;	PUNCT
abrj-4	133	20	licensee	licensee	NOUN
abrj-4	133	21	eastern	eastern	ADJ
abrj-4	133	22	centre	centre	NOUN
abrj-4	133	23	of	of	ADP
abrj-4	133	24	science	science	NOUN
abrj-4	133	25	and	and	CCONJ
abrj-4	133	26	education	education	NOUN
abrj-4	133	27	,	,	PUNCT
abrj-4	133	28	usa	usa	PROPN
abrj-4	133	29	3.6	3.6	NUM
abrj-4	133	30	.	.	PUNCT
abrj-4	134	1	perceptions	perception	NOUN
abrj-4	134	2	of	of	ADP
abrj-4	134	3	the	the	DET
abrj-4	134	4	banks	bank	NOUN
abrj-4	134	5	the	the	DET
abrj-4	134	6	initial	initial	ADJ
abrj-4	134	7	perception	perception	NOUN
abrj-4	134	8	of	of	ADP
abrj-4	134	9	the	the	DET
abrj-4	134	10	banks	bank	NOUN
abrj-4	134	11	by	by	ADP
abrj-4	134	12	both	both	DET
abrj-4	134	13	entity	entity	NOUN
abrj-4	134	14	owners	owner	NOUN
abrj-4	134	15	,	,	PUNCT
abrj-4	134	16	was	be	AUX
abrj-4	134	17	that	that	SCONJ
abrj-4	134	18	the	the	DET
abrj-4	134	19	banks	bank	NOUN
abrj-4	134	20	did	do	AUX
abrj-4	134	21	not	not	PART
abrj-4	134	22	want	want	VERB
abrj-4	134	23	to	to	PART
abrj-4	134	24	assist	assist	VERB
abrj-4	134	25	small	small	ADJ
abrj-4	134	26	businesses	business	NOUN
abrj-4	134	27	,	,	PUNCT
abrj-4	134	28	as	as	SCONJ
abrj-4	134	29	both	both	DET
abrj-4	134	30	credit	credit	NOUN
abrj-4	134	31	applications	application	NOUN
abrj-4	134	32	were	be	AUX
abrj-4	134	33	declined	decline	VERB
abrj-4	134	34	.	.	PUNCT
abrj-4	135	1	however	however	ADV
abrj-4	135	2	,	,	PUNCT
abrj-4	135	3	only	only	ADV
abrj-4	135	4	once	once	SCONJ
abrj-4	135	5	the	the	DET
abrj-4	135	6	businesses	business	NOUN
abrj-4	135	7	were	be	AUX
abrj-4	135	8	up	up	ADV
abrj-4	135	9	and	and	CCONJ
abrj-4	135	10	running	run	VERB
abrj-4	135	11	,	,	PUNCT
abrj-4	135	12	did	do	AUX
abrj-4	135	13	the	the	DET
abrj-4	135	14	banks	bank	NOUN
abrj-4	135	15	show	show	VERB
abrj-4	135	16	interest	interest	NOUN
abrj-4	135	17	in	in	ADP
abrj-4	135	18	them	they	PRON
abrj-4	135	19	.	.	PUNCT
abrj-4	136	1	hence	hence	ADV
abrj-4	136	2	,	,	PUNCT
abrj-4	136	3	the	the	DET
abrj-4	136	4	owners	owner	NOUN
abrj-4	136	5	had	have	VERB
abrj-4	136	6	a	a	DET
abrj-4	136	7	perception	perception	NOUN
abrj-4	136	8	that	that	SCONJ
abrj-4	136	9	the	the	DET
abrj-4	136	10	banks	bank	NOUN
abrj-4	136	11	only	only	ADV
abrj-4	136	12	want	want	VERB
abrj-4	136	13	to	to	PART
abrj-4	136	14	assist	assist	VERB
abrj-4	136	15	existing	exist	VERB
abrj-4	136	16	and	and	CCONJ
abrj-4	136	17	successful	successful	ADJ
abrj-4	136	18	businesses	business	NOUN
abrj-4	136	19	,	,	PUNCT
abrj-4	136	20	and	and	CCONJ
abrj-4	136	21	not	not	PART
abrj-4	136	22	start	start	VERB
abrj-4	136	23	-	-	PUNCT
abrj-4	136	24	up	up	ADP
abrj-4	136	25	businesses	business	NOUN
abrj-4	136	26	.	.	PUNCT
abrj-4	137	1	the	the	DET
abrj-4	137	2	owners	owner	NOUN
abrj-4	137	3	of	of	ADP
abrj-4	137	4	both	both	DET
abrj-4	137	5	entities	entity	NOUN
abrj-4	137	6	commented	comment	VERB
abrj-4	137	7	that	that	SCONJ
abrj-4	137	8	the	the	DET
abrj-4	137	9	banks	bank	NOUN
abrj-4	137	10	did	do	AUX
abrj-4	137	11	not	not	PART
abrj-4	137	12	attempt	attempt	VERB
abrj-4	137	13	to	to	PART
abrj-4	137	14	understand	understand	VERB
abrj-4	137	15	their	their	PRON
abrj-4	137	16	business	business	NOUN
abrj-4	137	17	,	,	PUNCT
abrj-4	137	18	they	they	PRON
abrj-4	137	19	believed	believe	VERB
abrj-4	137	20	that	that	SCONJ
abrj-4	137	21	,	,	PUNCT
abrj-4	137	22	had	have	AUX
abrj-4	137	23	the	the	DET
abrj-4	137	24	banks	bank	NOUN
abrj-4	137	25	understood	understand	VERB
abrj-4	137	26	their	their	PRON
abrj-4	137	27	businesses	business	NOUN
abrj-4	137	28	and	and	CCONJ
abrj-4	137	29	opportunities	opportunity	NOUN
abrj-4	137	30	,	,	PUNCT
abrj-4	137	31	they	they	PRON
abrj-4	137	32	would	would	AUX
abrj-4	137	33	have	have	AUX
abrj-4	137	34	offered	offer	VERB
abrj-4	137	35	them	they	PRON
abrj-4	137	36	finance	finance	NOUN
abrj-4	137	37	.	.	PUNCT
abrj-4	138	1	thus	thus	ADV
abrj-4	138	2	,	,	PUNCT
abrj-4	138	3	a	a	DET
abrj-4	138	4	relationship	relationship	NOUN
abrj-4	138	5	would	would	AUX
abrj-4	138	6	have	have	AUX
abrj-4	138	7	allowed	allow	VERB
abrj-4	138	8	the	the	DET
abrj-4	138	9	banks	bank	NOUN
abrj-4	138	10	to	to	PART
abrj-4	138	11	have	have	VERB
abrj-4	138	12	proprietary	proprietary	ADJ
abrj-4	138	13	knowledge	knowledge	NOUN
abrj-4	138	14	of	of	ADP
abrj-4	138	15	the	the	DET
abrj-4	138	16	businesses	business	NOUN
abrj-4	138	17	.	.	PUNCT
abrj-4	139	1	3.7	3.7	NUM
abrj-4	139	2	.	.	PUNCT
abrj-4	140	1	duration	duration	NOUN
abrj-4	140	2	of	of	ADP
abrj-4	140	3	relationships	relationship	NOUN
abrj-4	140	4	since	since	SCONJ
abrj-4	140	5	start	start	NOUN
abrj-4	140	6	-	-	PUNCT
abrj-4	140	7	up	up	NOUN
abrj-4	140	8	in	in	ADP
abrj-4	140	9	2010	2010	NUM
abrj-4	140	10	,	,	PUNCT
abrj-4	140	11	entity	entity	NOUN
abrj-4	140	12	a	a	PRON
abrj-4	140	13	has	have	AUX
abrj-4	140	14	been	be	AUX
abrj-4	140	15	banking	bank	VERB
abrj-4	140	16	with	with	ADP
abrj-4	140	17	the	the	DET
abrj-4	140	18	same	same	ADJ
abrj-4	140	19	bank	bank	NOUN
abrj-4	140	20	,	,	PUNCT
abrj-4	140	21	but	but	CCONJ
abrj-4	140	22	the	the	DET
abrj-4	140	23	same	same	ADJ
abrj-4	140	24	bank	bank	NOUN
abrj-4	140	25	declined	decline	VERB
abrj-4	140	26	the	the	DET
abrj-4	140	27	application	application	NOUN
abrj-4	140	28	for	for	ADP
abrj-4	140	29	a	a	DET
abrj-4	140	30	start	start	VERB
abrj-4	140	31	-	-	PUNCT
abrj-4	140	32	up	up	ADP
abrj-4	140	33	loan	loan	NOUN
abrj-4	140	34	.	.	PUNCT
abrj-4	141	1	the	the	DET
abrj-4	141	2	owner	owner	NOUN
abrj-4	141	3	indicated	indicate	VERB
abrj-4	141	4	that	that	SCONJ
abrj-4	141	5	the	the	DET
abrj-4	141	6	bank	bank	NOUN
abrj-4	141	7	had	have	AUX
abrj-4	141	8	been	be	AUX
abrj-4	141	9	generating	generate	VERB
abrj-4	141	10	revenue	revenue	NOUN
abrj-4	141	11	from	from	ADP
abrj-4	141	12	the	the	DET
abrj-4	141	13	business	business	NOUN
abrj-4	141	14	,	,	PUNCT
abrj-4	141	15	yet	yet	CCONJ
abrj-4	141	16	the	the	DET
abrj-4	141	17	support	support	NOUN
abrj-4	141	18	was	be	AUX
abrj-4	141	19	minimal	minimal	ADJ
abrj-4	141	20	.	.	PUNCT
abrj-4	142	1	entity	entity	NOUN
abrj-4	142	2	b‟s	b‟s	NOUN
abrj-4	142	3	experience	experience	NOUN
abrj-4	142	4	is	be	AUX
abrj-4	142	5	different	different	ADJ
abrj-4	142	6	since	since	SCONJ
abrj-4	142	7	the	the	DET
abrj-4	142	8	owner	owner	NOUN
abrj-4	142	9	maintained	maintain	VERB
abrj-4	142	10	accounts	account	NOUN
abrj-4	142	11	with	with	ADP
abrj-4	142	12	three	three	NUM
abrj-4	142	13	banks	bank	NOUN
abrj-4	142	14	since	since	SCONJ
abrj-4	142	15	inception	inception	NOUN
abrj-4	142	16	in	in	ADP
abrj-4	142	17	2004	2004	NUM
abrj-4	142	18	.	.	PUNCT
abrj-4	143	1	she	she	PRON
abrj-4	143	2	also	also	ADV
abrj-4	143	3	changed	change	VERB
abrj-4	143	4	banks	bank	NOUN
abrj-4	143	5	as	as	ADV
abrj-4	143	6	soon	soon	ADV
abrj-4	143	7	as	as	SCONJ
abrj-4	143	8	she	she	PRON
abrj-4	143	9	had	have	VERB
abrj-4	143	10	bad	bad	ADJ
abrj-4	143	11	service	service	NOUN
abrj-4	143	12	experiences	experience	NOUN
abrj-4	143	13	.	.	PUNCT
abrj-4	144	1	she	she	PRON
abrj-4	144	2	also	also	ADV
abrj-4	144	3	indicated	indicate	VERB
abrj-4	144	4	that	that	SCONJ
abrj-4	144	5	all	all	DET
abrj-4	144	6	the	the	DET
abrj-4	144	7	banks	bank	NOUN
abrj-4	144	8	have	have	AUX
abrj-4	144	9	only	only	ADV
abrj-4	144	10	been	be	AUX
abrj-4	144	11	interested	interested	ADJ
abrj-4	144	12	in	in	ADP
abrj-4	144	13	account	account	NOUN
abrj-4	144	14	and	and	CCONJ
abrj-4	144	15	were	be	AUX
abrj-4	144	16	generating	generate	VERB
abrj-4	144	17	revenue	revenue	NOUN
abrj-4	144	18	from	from	ADP
abrj-4	144	19	the	the	DET
abrj-4	144	20	many	many	ADJ
abrj-4	144	21	products	product	NOUN
abrj-4	144	22	she	she	PRON
abrj-4	144	23	had	have	AUX
abrj-4	144	24	procured	procure	VERB
abrj-4	144	25	with	with	ADP
abrj-4	144	26	them	they	PRON
abrj-4	144	27	.	.	PUNCT
abrj-4	145	1	in	in	ADP
abrj-4	145	2	her	her	PRON
abrj-4	145	3	view	view	NOUN
abrj-4	145	4	,	,	PUNCT
abrj-4	145	5	the	the	DET
abrj-4	145	6	banks	bank	NOUN
abrj-4	145	7	did	do	AUX
abrj-4	145	8	not	not	PART
abrj-4	145	9	have	have	VERB
abrj-4	145	10	the	the	DET
abrj-4	145	11	“	"	PUNCT
abrj-4	145	12	appetite	appetite	NOUN
abrj-4	145	13	”	"	PUNCT
abrj-4	145	14	to	to	PART
abrj-4	145	15	grow	grow	VERB
abrj-4	145	16	start	start	NOUN
abrj-4	145	17	-	-	PUNCT
abrj-4	145	18	ups	up	NOUN
abrj-4	145	19	.	.	PUNCT
abrj-4	146	1	3.8	3.8	NUM
abrj-4	146	2	.	.	PUNCT
abrj-4	147	1	scope	scope	NOUN
abrj-4	147	2	of	of	ADP
abrj-4	147	3	bank	bank	NOUN
abrj-4	147	4	-	-	PUNCT
abrj-4	147	5	small	small	ADJ
abrj-4	147	6	business	business	NOUN
abrj-4	147	7	relationships	relationship	NOUN
abrj-4	147	8	the	the	DET
abrj-4	147	9	business	business	NOUN
abrj-4	147	10	entities	entity	NOUN
abrj-4	147	11	have	have	AUX
abrj-4	147	12	concurred	concur	VERB
abrj-4	147	13	that	that	SCONJ
abrj-4	147	14	the	the	DET
abrj-4	147	15	banks	bank	NOUN
abrj-4	147	16	do	do	AUX
abrj-4	147	17	not	not	PART
abrj-4	147	18	have	have	VERB
abrj-4	147	19	solid	solid	ADJ
abrj-4	147	20	relationships	relationship	NOUN
abrj-4	147	21	with	with	ADP
abrj-4	147	22	them	they	PRON
abrj-4	147	23	.	.	PUNCT
abrj-4	148	1	the	the	DET
abrj-4	148	2	banks	bank	NOUN
abrj-4	148	3	did	do	AUX
abrj-4	148	4	not	not	PART
abrj-4	148	5	readily	readily	ADV
abrj-4	148	6	visit	visit	VERB
abrj-4	148	7	the	the	DET
abrj-4	148	8	businesses	business	NOUN
abrj-4	148	9	to	to	PART
abrj-4	148	10	understand	understand	VERB
abrj-4	148	11	their	their	PRON
abrj-4	148	12	business	business	NOUN
abrj-4	148	13	or	or	CCONJ
abrj-4	148	14	obtain	obtain	VERB
abrj-4	148	15	first	first	ADJ
abrj-4	148	16	-	-	PUNCT
abrj-4	148	17	hand	hand	NOUN
abrj-4	148	18	information	information	NOUN
abrj-4	148	19	on	on	ADP
abrj-4	148	20	the	the	DET
abrj-4	148	21	success	success	NOUN
abrj-4	148	22	of	of	ADP
abrj-4	148	23	their	their	PRON
abrj-4	148	24	businesses	business	NOUN
abrj-4	148	25	.	.	PUNCT
abrj-4	149	1	thus	thus	ADV
abrj-4	149	2	,	,	PUNCT
abrj-4	149	3	the	the	DET
abrj-4	149	4	banks	bank	NOUN
abrj-4	149	5	were	be	AUX
abrj-4	149	6	unable	unable	ADJ
abrj-4	149	7	to	to	PART
abrj-4	149	8	assist	assist	VERB
abrj-4	149	9	the	the	DET
abrj-4	149	10	clients	client	NOUN
abrj-4	149	11	who	who	PRON
abrj-4	149	12	required	require	VERB
abrj-4	149	13	credit	credit	NOUN
abrj-4	149	14	because	because	SCONJ
abrj-4	149	15	they	they	PRON
abrj-4	149	16	lacked	lack	VERB
abrj-4	149	17	knowledge	knowledge	NOUN
abrj-4	149	18	on	on	ADP
abrj-4	149	19	the	the	DET
abrj-4	149	20	businesses	business	NOUN
abrj-4	149	21	.	.	PUNCT
abrj-4	150	1	3.9	3.9	NUM
abrj-4	150	2	.	.	PUNCT
abrj-4	150	3	relationship	relationship	NOUN
abrj-4	150	4	manager	manager	NOUN
abrj-4	150	5	the	the	DET
abrj-4	150	6	owners	owner	NOUN
abrj-4	150	7	of	of	ADP
abrj-4	150	8	both	both	DET
abrj-4	150	9	entities	entity	NOUN
abrj-4	150	10	responded	respond	VERB
abrj-4	150	11	positively	positively	ADV
abrj-4	150	12	to	to	ADP
abrj-4	150	13	having	have	VERB
abrj-4	150	14	a	a	DET
abrj-4	150	15	community	community	NOUN
abrj-4	150	16	-	-	PUNCT
abrj-4	150	17	based	base	VERB
abrj-4	150	18	bank	bank	NOUN
abrj-4	150	19	and	and	CCONJ
abrj-4	150	20	the	the	DET
abrj-4	150	21	reason	reason	NOUN
abrj-4	150	22	cited	cite	VERB
abrj-4	150	23	for	for	ADP
abrj-4	150	24	this	this	PRON
abrj-4	150	25	,	,	PUNCT
abrj-4	150	26	was	be	AUX
abrj-4	150	27	personal	personal	ADJ
abrj-4	150	28	access	access	NOUN
abrj-4	150	29	.	.	PUNCT
abrj-4	151	1	the	the	DET
abrj-4	151	2	entities	entity	NOUN
abrj-4	151	3	believed	believe	VERB
abrj-4	151	4	that	that	SCONJ
abrj-4	151	5	the	the	DET
abrj-4	151	6	relationship	relationship	NOUN
abrj-4	151	7	manager	manager	NOUN
abrj-4	151	8	is	be	AUX
abrj-4	151	9	the	the	DET
abrj-4	151	10	best	good	ADJ
abrj-4	151	11	person	person	NOUN
abrj-4	151	12	to	to	PART
abrj-4	151	13	understand	understand	VERB
abrj-4	151	14	their	their	PRON
abrj-4	151	15	business	business	NOUN
abrj-4	151	16	at	at	ADP
abrj-4	151	17	grassroots	grassroots	ADJ
abrj-4	151	18	level	level	NOUN
abrj-4	151	19	.	.	PUNCT
abrj-4	152	1	they	they	PRON
abrj-4	152	2	believed	believe	VERB
abrj-4	152	3	that	that	SCONJ
abrj-4	152	4	the	the	DET
abrj-4	152	5	relationship	relationship	NOUN
abrj-4	152	6	manager	manager	NOUN
abrj-4	152	7	is	be	AUX
abrj-4	152	8	the	the	DET
abrj-4	152	9	person	person	NOUN
abrj-4	152	10	that	that	PRON
abrj-4	152	11	should	should	AUX
abrj-4	152	12	be	be	AUX
abrj-4	152	13	visiting	visit	VERB
abrj-4	152	14	them	they	PRON
abrj-4	152	15	and	and	CCONJ
abrj-4	152	16	gathering	gather	VERB
abrj-4	152	17	information	information	NOUN
abrj-4	152	18	about	about	ADP
abrj-4	152	19	their	their	PRON
abrj-4	152	20	business	business	NOUN
abrj-4	152	21	and	and	CCONJ
abrj-4	152	22	will	will	AUX
abrj-4	152	23	be	be	AUX
abrj-4	152	24	able	able	ADJ
abrj-4	152	25	to	to	PART
abrj-4	152	26	assist	assist	VERB
abrj-4	152	27	should	should	AUX
abrj-4	152	28	they	they	PRON
abrj-4	152	29	apply	apply	VERB
abrj-4	152	30	for	for	ADP
abrj-4	152	31	funding	funding	NOUN
abrj-4	152	32	.	.	PUNCT
abrj-4	153	1	the	the	DET
abrj-4	153	2	business	business	NOUN
abrj-4	153	3	owners	owner	NOUN
abrj-4	153	4	assert	assert	VERB
abrj-4	153	5	that	that	SCONJ
abrj-4	153	6	the	the	DET
abrj-4	153	7	relationship	relationship	NOUN
abrj-4	153	8	mangers	manger	NOUN
abrj-4	153	9	focused	focus	VERB
abrj-4	153	10	more	more	ADV
abrj-4	153	11	on	on	ADP
abrj-4	153	12	the	the	DET
abrj-4	153	13	financial	financial	ADJ
abrj-4	153	14	statements	statement	NOUN
abrj-4	153	15	than	than	ADP
abrj-4	153	16	on	on	ADP
abrj-4	153	17	wanting	want	VERB
abrj-4	153	18	to	to	PART
abrj-4	153	19	understand	understand	VERB
abrj-4	153	20	their	their	PRON
abrj-4	153	21	businesses	business	NOUN
abrj-4	153	22	.	.	PUNCT
abrj-4	154	1	the	the	DET
abrj-4	154	2	business	business	NOUN
abrj-4	154	3	owners	owner	NOUN
abrj-4	154	4	complained	complain	VERB
abrj-4	154	5	that	that	SCONJ
abrj-4	154	6	they	they	PRON
abrj-4	154	7	seldom	seldom	ADV
abrj-4	154	8	see	see	VERB
abrj-4	154	9	their	their	PRON
abrj-4	154	10	relationship	relationship	NOUN
abrj-4	154	11	managers	manager	NOUN
abrj-4	154	12	.	.	PUNCT
abrj-4	155	1	more	more	ADV
abrj-4	155	2	so	so	ADV
abrj-4	155	3	,	,	PUNCT
abrj-4	155	4	both	both	CCONJ
abrj-4	155	5	the	the	DET
abrj-4	155	6	owners	owner	NOUN
abrj-4	155	7	agreed	agree	VERB
abrj-4	155	8	that	that	SCONJ
abrj-4	155	9	they	they	PRON
abrj-4	155	10	struggled	struggle	VERB
abrj-4	155	11	with	with	ADP
abrj-4	155	12	having	have	VERB
abrj-4	155	13	to	to	PART
abrj-4	155	14	deal	deal	VERB
abrj-4	155	15	with	with	ADP
abrj-4	155	16	different	different	ADJ
abrj-4	155	17	relationship	relationship	NOUN
abrj-4	155	18	managers	manager	NOUN
abrj-4	155	19	consistently	consistently	ADV
abrj-4	155	20	,	,	PUNCT
abrj-4	155	21	since	since	SCONJ
abrj-4	155	22	that	that	PRON
abrj-4	155	23	have	have	AUX
abrj-4	155	24	had	have	VERB
abrj-4	155	25	to	to	PART
abrj-4	155	26	explain	explain	VERB
abrj-4	155	27	their	their	PRON
abrj-4	155	28	business	business	NOUN
abrj-4	155	29	needs	need	VERB
abrj-4	155	30	repeatedly	repeatedly	ADV
abrj-4	155	31	to	to	ADP
abrj-4	155	32	the	the	DET
abrj-4	155	33	different	different	ADJ
abrj-4	155	34	relationship	relationship	NOUN
abrj-4	155	35	managers	manager	NOUN
abrj-4	155	36	.	.	PUNCT
abrj-4	156	1	this	this	PRON
abrj-4	156	2	,	,	PUNCT
abrj-4	156	3	they	they	PRON
abrj-4	156	4	believed	believe	VERB
abrj-4	156	5	is	be	AUX
abrj-4	156	6	a	a	DET
abrj-4	156	7	value	value	NOUN
abrj-4	156	8	destroyer	destroyer	NOUN
abrj-4	156	9	and	and	CCONJ
abrj-4	156	10	they	they	PRON
abrj-4	156	11	hoped	hope	VERB
abrj-4	156	12	that	that	SCONJ
abrj-4	156	13	there	there	PRON
abrj-4	156	14	could	could	AUX
abrj-4	156	15	be	be	AUX
abrj-4	156	16	some	some	DET
abrj-4	156	17	stability	stability	NOUN
abrj-4	156	18	in	in	ADP
abrj-4	156	19	terms	term	NOUN
abrj-4	156	20	of	of	ADP
abrj-4	156	21	having	have	VERB
abrj-4	156	22	only	only	ADV
abrj-4	156	23	one	one	NUM
abrj-4	156	24	relationship	relationship	NOUN
abrj-4	156	25	manager	manager	NOUN
abrj-4	156	26	.	.	PUNCT
abrj-4	157	1	3.10	3.10	NUM
abrj-4	157	2	.	.	PUNCT
abrj-4	158	1	other	other	ADJ
abrj-4	158	2	important	important	ADJ
abrj-4	158	3	relationships	relationship	NOUN
abrj-4	158	4	these	these	DET
abrj-4	158	5	business	business	NOUN
abrj-4	158	6	owners	owner	NOUN
abrj-4	158	7	had	have	VERB
abrj-4	158	8	networks	network	NOUN
abrj-4	158	9	who	who	PRON
abrj-4	158	10	were	be	AUX
abrj-4	158	11	well	well	ADV
abrj-4	158	12	known	know	VERB
abrj-4	158	13	in	in	ADP
abrj-4	158	14	the	the	DET
abrj-4	158	15	community	community	NOUN
abrj-4	158	16	and	and	CCONJ
abrj-4	158	17	industry	industry	NOUN
abrj-4	158	18	and	and	CCONJ
abrj-4	158	19	belonged	belong	VERB
abrj-4	158	20	to	to	ADP
abrj-4	158	21	inter	inter	ADJ
abrj-4	158	22	-	-	ADJ
abrj-4	158	23	alia	alia	ADJ
abrj-4	158	24	,	,	PUNCT
abrj-4	158	25	khayelitsha	khayelitsha	PROPN
abrj-4	158	26	business	business	PROPN
abrj-4	158	27	forum	forum	PROPN
abrj-4	158	28	,	,	PUNCT
abrj-4	158	29	cape	cape	NOUN
abrj-4	158	30	town	town	NOUN
abrj-4	158	31	tourism	tourism	NOUN
abrj-4	158	32	,	,	PUNCT
abrj-4	158	33	the	the	DET
abrj-4	158	34	foundation	foundation	NOUN
abrj-4	158	35	for	for	ADP
abrj-4	158	36	african	african	ADJ
abrj-4	158	37	business	business	NOUN
abrj-4	158	38	and	and	CCONJ
abrj-4	158	39	consumer	consumer	NOUN
abrj-4	158	40	services	service	NOUN
abrj-4	158	41	(	(	PUNCT
abrj-4	158	42	fabcos	fabcos	NOUN
abrj-4	158	43	)	)	PUNCT
abrj-4	158	44	,	,	PUNCT
abrj-4	158	45	etc	etc	X
abrj-4	158	46	.	.	X
abrj-4	159	1	these	these	DET
abrj-4	159	2	organisations	organisation	NOUN
abrj-4	159	3	added	add	VERB
abrj-4	159	4	value	value	NOUN
abrj-4	159	5	in	in	ADP
abrj-4	159	6	terms	term	NOUN
abrj-4	159	7	of	of	ADP
abrj-4	159	8	knowledge	knowledge	NOUN
abrj-4	159	9	and	and	CCONJ
abrj-4	159	10	the	the	DET
abrj-4	159	11	direction	direction	NOUN
abrj-4	159	12	of	of	ADP
abrj-4	159	13	various	various	ADJ
abrj-4	159	14	projects	project	NOUN
abrj-4	159	15	in	in	ADP
abrj-4	159	16	the	the	DET
abrj-4	159	17	respective	respective	ADJ
abrj-4	159	18	community	community	NOUN
abrj-4	159	19	.	.	PUNCT
abrj-4	160	1	from	from	ADP
abrj-4	160	2	the	the	DET
abrj-4	160	3	documented	document	VERB
abrj-4	160	4	experiences	experience	NOUN
abrj-4	160	5	of	of	ADP
abrj-4	160	6	these	these	DET
abrj-4	160	7	two	two	NUM
abrj-4	160	8	businesses	business	NOUN
abrj-4	160	9	,	,	PUNCT
abrj-4	160	10	it	it	PRON
abrj-4	160	11	would	would	AUX
abrj-4	160	12	appear	appear	VERB
abrj-4	160	13	that	that	SCONJ
abrj-4	160	14	the	the	DET
abrj-4	160	15	information	information	NOUN
abrj-4	160	16	asymmetry	asymmetry	NOUN
abrj-4	160	17	problem	problem	NOUN
abrj-4	160	18	remained	remain	VERB
abrj-4	160	19	a	a	DET
abrj-4	160	20	crucial	crucial	ADJ
abrj-4	160	21	point	point	NOUN
abrj-4	160	22	.	.	PUNCT
abrj-4	161	1	the	the	DET
abrj-4	161	2	bank	bank	NOUN
abrj-4	161	3	,	,	PUNCT
abrj-4	161	4	at	at	ADP
abrj-4	161	5	a	a	DET
abrj-4	161	6	high	high	ADJ
abrj-4	161	7	level	level	NOUN
abrj-4	161	8	,	,	PUNCT
abrj-4	161	9	seems	seem	VERB
abrj-4	161	10	interested	interested	ADJ
abrj-4	161	11	in	in	ADP
abrj-4	161	12	assisting	assist	VERB
abrj-4	161	13	small	small	ADJ
abrj-4	161	14	businesses	business	NOUN
abrj-4	161	15	;	;	PUNCT
abrj-4	161	16	however	however	ADV
abrj-4	161	17	it	it	PRON
abrj-4	161	18	does	do	AUX
abrj-4	161	19	not	not	PART
abrj-4	161	20	attempt	attempt	VERB
abrj-4	161	21	to	to	PART
abrj-4	161	22	obtain	obtain	VERB
abrj-4	161	23	first	first	ADJ
abrj-4	161	24	-	-	PUNCT
abrj-4	161	25	hand	hand	NOUN
abrj-4	161	26	of	of	ADP
abrj-4	161	27	the	the	DET
abrj-4	161	28	business	business	NOUN
abrj-4	161	29	operations	operation	NOUN
abrj-4	161	30	.	.	PUNCT
abrj-4	162	1	it	it	PRON
abrj-4	162	2	would	would	AUX
abrj-4	162	3	appear	appear	VERB
abrj-4	162	4	that	that	SCONJ
abrj-4	162	5	the	the	DET
abrj-4	162	6	banks	bank	NOUN
abrj-4	162	7	lean	lean	VERB
abrj-4	162	8	more	more	ADJ
abrj-4	162	9	towards	towards	ADP
abrj-4	162	10	traditional	traditional	ADJ
abrj-4	162	11	transactional	transactional	ADJ
abrj-4	162	12	lending	lending	NOUN
abrj-4	162	13	.	.	PUNCT
abrj-4	163	1	the	the	DET
abrj-4	163	2	relationship	relationship	NOUN
abrj-4	163	3	lending	lending	NOUN
abrj-4	163	4	phenomenon	phenomenon	NOUN
abrj-4	163	5	appeals	appeal	NOUN
abrj-4	163	6	as	as	ADP
abrj-4	163	7	a	a	DET
abrj-4	163	8	great	great	ADJ
abrj-4	163	9	alternative	alternative	NOUN
abrj-4	163	10	to	to	PART
abrj-4	163	11	source	source	VERB
abrj-4	163	12	the	the	DET
abrj-4	163	13	“	"	PUNCT
abrj-4	163	14	missing	missing	ADJ
abrj-4	163	15	”	"	PUNCT
abrj-4	163	16	information	information	NOUN
abrj-4	163	17	about	about	ADP
abrj-4	163	18	the	the	DET
abrj-4	163	19	company	company	NOUN
abrj-4	163	20	.	.	PUNCT
abrj-4	164	1	since	since	SCONJ
abrj-4	164	2	the	the	DET
abrj-4	164	3	businesses	business	NOUN
abrj-4	164	4	are	be	AUX
abrj-4	164	5	fully	fully	ADV
abrj-4	164	6	operational	operational	ADJ
abrj-4	164	7	,	,	PUNCT
abrj-4	164	8	it	it	PRON
abrj-4	164	9	would	would	AUX
abrj-4	164	10	seem	seem	VERB
abrj-4	164	11	that	that	SCONJ
abrj-4	164	12	they	they	PRON
abrj-4	164	13	are	be	AUX
abrj-4	164	14	being	be	AUX
abrj-4	164	15	effectively	effectively	ADV
abrj-4	164	16	managed	manage	VERB
abrj-4	164	17	.	.	PUNCT
abrj-4	165	1	hence	hence	ADV
abrj-4	165	2	,	,	PUNCT
abrj-4	165	3	there	there	PRON
abrj-4	165	4	seems	seem	VERB
abrj-4	165	5	to	to	PART
abrj-4	165	6	be	be	AUX
abrj-4	165	7	an	an	DET
abrj-4	165	8	opportunity	opportunity	NOUN
abrj-4	165	9	for	for	SCONJ
abrj-4	165	10	the	the	DET
abrj-4	165	11	banks	bank	NOUN
abrj-4	165	12	to	to	PART
abrj-4	165	13	assist	assist	VERB
abrj-4	165	14	with	with	ADP
abrj-4	165	15	financial	financial	ADJ
abrj-4	165	16	support	support	NOUN
abrj-4	165	17	to	to	PART
abrj-4	165	18	help	help	VERB
abrj-4	165	19	grow	grow	VERB
abrj-4	165	20	these	these	DET
abrj-4	165	21	businesses	business	NOUN
abrj-4	165	22	.	.	PUNCT
abrj-4	166	1	4	4	X
abrj-4	166	2	.	.	X
abrj-4	166	3	conclusion	conclusion	NOUN
abrj-4	166	4	from	from	ADP
abrj-4	166	5	the	the	DET
abrj-4	166	6	findings	finding	NOUN
abrj-4	166	7	it	it	PRON
abrj-4	166	8	is	be	AUX
abrj-4	166	9	clear	clear	ADJ
abrj-4	166	10	that	that	SCONJ
abrj-4	166	11	the	the	DET
abrj-4	166	12	core	core	NOUN
abrj-4	166	13	to	to	ADP
abrj-4	166	14	growth	growth	NOUN
abrj-4	166	15	and	and	CCONJ
abrj-4	166	16	development	development	NOUN
abrj-4	166	17	of	of	ADP
abrj-4	166	18	small	small	ADJ
abrj-4	166	19	business	business	NOUN
abrj-4	166	20	,	,	PUNCT
abrj-4	166	21	is	be	AUX
abrj-4	166	22	access	access	NOUN
abrj-4	166	23	to	to	ADP
abrj-4	166	24	finance	finance	NOUN
abrj-4	166	25	.	.	PUNCT
abrj-4	167	1	whilst	whilst	SCONJ
abrj-4	167	2	banks	bank	NOUN
abrj-4	167	3	are	be	AUX
abrj-4	167	4	somewhat	somewhat	ADV
abrj-4	167	5	unwilling	unwilling	ADJ
abrj-4	167	6	to	to	PART
abrj-4	167	7	provide	provide	VERB
abrj-4	167	8	finance	finance	NOUN
abrj-4	167	9	,	,	PUNCT
abrj-4	167	10	they	they	PRON
abrj-4	167	11	are	be	AUX
abrj-4	167	12	not	not	PART
abrj-4	167	13	able	able	ADJ
abrj-4	167	14	to	to	PART
abrj-4	167	15	gather	gather	VERB
abrj-4	167	16	information	information	NOUN
abrj-4	167	17	about	about	ADP
abrj-4	167	18	the	the	DET
abrj-4	167	19	businesses	business	NOUN
abrj-4	167	20	.	.	PUNCT
abrj-4	168	1	businesses	business	NOUN
abrj-4	168	2	that	that	PRON
abrj-4	168	3	are	be	AUX
abrj-4	168	4	not	not	PART
abrj-4	168	5	astute	astute	ADJ
abrj-4	168	6	in	in	ADP
abrj-4	168	7	terms	term	NOUN
abrj-4	168	8	of	of	ADP
abrj-4	168	9	financial	financial	ADJ
abrj-4	168	10	statement	statement	NOUN
abrj-4	168	11	preparations	preparation	NOUN
abrj-4	168	12	struggle	struggle	VERB
abrj-4	168	13	to	to	PART
abrj-4	168	14	convey	convey	VERB
abrj-4	168	15	their	their	PRON
abrj-4	168	16	business	business	NOUN
abrj-4	168	17	performance	performance	NOUN
abrj-4	168	18	to	to	ADP
abrj-4	168	19	the	the	DET
abrj-4	168	20	banks	bank	NOUN
abrj-4	168	21	that	that	PRON
abrj-4	168	22	use	use	VERB
abrj-4	168	23	transactional	transactional	ADJ
abrj-4	168	24	lending	lending	NOUN
abrj-4	168	25	.	.	PUNCT
abrj-4	169	1	this	this	PRON
abrj-4	169	2	leads	lead	VERB
abrj-4	169	3	to	to	ADP
abrj-4	169	4	an	an	DET
abrj-4	169	5	information	information	NOUN
abrj-4	169	6	asymmetry	asymmetry	NOUN
abrj-4	169	7	problem	problem	NOUN
abrj-4	169	8	,	,	PUNCT
abrj-4	169	9	which	which	DET
abrj-4	169	10	relationship	relationship	NOUN
abrj-4	169	11	lending	lending	NOUN
abrj-4	169	12	theory	theory	NOUN
abrj-4	169	13	proposes	propose	VERB
abrj-4	169	14	as	as	ADP
abrj-4	169	15	a	a	DET
abrj-4	169	16	solution	solution	NOUN
abrj-4	169	17	to	to	ADP
abrj-4	169	18	this	this	DET
abrj-4	169	19	problem	problem	NOUN
abrj-4	169	20	.	.	PUNCT
abrj-4	170	1	4.1	4.1	NUM
abrj-4	170	2	.	.	PUNCT
abrj-4	170	3	recommendations	recommendation	NOUN
abrj-4	170	4	the	the	DET
abrj-4	170	5	business	business	NOUN
abrj-4	170	6	owners	owner	NOUN
abrj-4	170	7	in	in	ADP
abrj-4	170	8	this	this	DET
abrj-4	170	9	study	study	NOUN
abrj-4	170	10	had	have	VERB
abrj-4	170	11	very	very	ADV
abrj-4	170	12	limited	limited	ADJ
abrj-4	170	13	business	business	NOUN
abrj-4	170	14	information	information	NOUN
abrj-4	170	15	when	when	SCONJ
abrj-4	170	16	they	they	PRON
abrj-4	170	17	started	start	VERB
abrj-4	170	18	their	their	PRON
abrj-4	170	19	businesses	business	NOUN
abrj-4	170	20	.	.	PUNCT
abrj-4	171	1	thus	thus	ADV
abrj-4	171	2	,	,	PUNCT
abrj-4	171	3	provision	provision	NOUN
abrj-4	171	4	of	of	ADP
abrj-4	171	5	mainstream	mainstream	NOUN
abrj-4	171	6	business	business	NOUN
abrj-4	171	7	information	information	NOUN
abrj-4	171	8	concerning	concern	VERB
abrj-4	171	9	the	the	DET
abrj-4	171	10	smme	smme	NOUN
abrj-4	171	11	environment	environment	NOUN
abrj-4	171	12	,	,	PUNCT
abrj-4	171	13	such	such	ADJ
abrj-4	171	14	as	as	ADP
abrj-4	171	15	business	business	NOUN
abrj-4	171	16	registration	registration	NOUN
abrj-4	171	17	processes	process	NOUN
abrj-4	171	18	,	,	PUNCT
abrj-4	171	19	could	could	AUX
abrj-4	171	20	be	be	AUX
abrj-4	171	21	worthwhile	worthwhile	ADJ
abrj-4	171	22	to	to	ADP
abrj-4	171	23	both	both	CCONJ
abrj-4	171	24	the	the	DET
abrj-4	171	25	bank	bank	NOUN
abrj-4	171	26	and	and	CCONJ
abrj-4	171	27	their	their	PRON
abrj-4	171	28	clients	client	NOUN
abrj-4	171	29	.	.	PUNCT
abrj-4	172	1	by	by	ADP
abrj-4	172	2	understanding	understand	VERB
abrj-4	172	3	the	the	DET
abrj-4	172	4	businesses	business	NOUN
abrj-4	172	5	which	which	PRON
abrj-4	172	6	have	have	VERB
abrj-4	172	7	accounts	account	NOUN
abrj-4	172	8	with	with	ADP
abrj-4	172	9	them	they	PRON
abrj-4	172	10	,	,	PUNCT
abrj-4	172	11	banks	bank	NOUN
abrj-4	172	12	will	will	AUX
abrj-4	172	13	be	be	AUX
abrj-4	172	14	better	well	ADV
abrj-4	172	15	positioned	position	VERB
abrj-4	172	16	to	to	PART
abrj-4	172	17	assess	assess	VERB
abrj-4	172	18	the	the	DET
abrj-4	172	19	businesses	business	NOUN
abrj-4	172	20	ability	ability	NOUN
abrj-4	172	21	to	to	PART
abrj-4	172	22	meet	meet	VERB
abrj-4	172	23	is	be	AUX
abrj-4	172	24	credit	credit	NOUN
abrj-4	172	25	payment	payment	NOUN
abrj-4	172	26	obligations	obligation	NOUN
abrj-4	172	27	.	.	PUNCT
abrj-4	173	1	banks	bank	NOUN
abrj-4	173	2	could	could	AUX
abrj-4	173	3	further	far	ADV
abrj-4	173	4	invest	invest	VERB
abrj-4	173	5	in	in	ADP
abrj-4	173	6	a	a	DET
abrj-4	173	7	new	new	ADJ
abrj-4	173	8	credit	credit	NOUN
abrj-4	173	9	scoring	scoring	NOUN
abrj-4	173	10	model	model	NOUN
abrj-4	173	11	that	that	PRON
abrj-4	173	12	will	will	AUX
abrj-4	173	13	somewhat	somewhat	ADV
abrj-4	173	14	quantify	quantify	VERB
abrj-4	173	15	relationship	relationship	NOUN
abrj-4	173	16	information	information	NOUN
abrj-4	173	17	.	.	PUNCT
abrj-4	174	1	such	such	ADJ
abrj-4	174	2	information	information	NOUN
abrj-4	174	3	could	could	AUX
abrj-4	174	4	include	include	VERB
abrj-4	174	5	the	the	DET
abrj-4	174	6	reputation	reputation	NOUN
abrj-4	174	7	of	of	ADP
abrj-4	174	8	the	the	DET
abrj-4	174	9	client‟s	client‟	NOUN
abrj-4	174	10	suppliers	supplier	NOUN
abrj-4	174	11	,	,	PUNCT
abrj-4	174	12	landlords	landlord	NOUN
abrj-4	174	13	and	and	CCONJ
abrj-4	174	14	the	the	DET
abrj-4	174	15	community	community	NOUN
abrj-4	174	16	.	.	PUNCT
abrj-4	175	1	for	for	ADP
abrj-4	175	2	example	example	NOUN
abrj-4	175	3	,	,	PUNCT
abrj-4	175	4	the	the	DET
abrj-4	175	5	businesses‟	businesses‟	NOUN
abrj-4	175	6	ability	ability	NOUN
abrj-4	175	7	to	to	PART
abrj-4	175	8	meet	meet	VERB
abrj-4	175	9	their	their	PRON
abrj-4	175	10	obligations	obligation	NOUN
abrj-4	175	11	may	may	AUX
abrj-4	175	12	be	be	AUX
abrj-4	175	13	assessed	assess	VERB
abrj-4	175	14	by	by	ADP
abrj-4	175	15	looking	look	VERB
abrj-4	175	16	at	at	ADP
abrj-4	175	17	the	the	DET
abrj-4	175	18	payment	payment	NOUN
abrj-4	175	19	records	record	NOUN
abrj-4	175	20	from	from	ADP
abrj-4	175	21	suppliers	supplier	NOUN
abrj-4	175	22	.	.	PUNCT
abrj-4	176	1	viability	viability	NOUN
abrj-4	176	2	of	of	ADP
abrj-4	176	3	the	the	DET
abrj-4	176	4	business	business	NOUN
abrj-4	176	5	may	may	AUX
abrj-4	176	6	also	also	ADV
abrj-4	176	7	be	be	AUX
abrj-4	176	8	assessed	assess	VERB
abrj-4	176	9	by	by	ADP
abrj-4	176	10	interviewing	interview	VERB
abrj-4	176	11	the	the	DET
abrj-4	176	12	businesses‟	businesses‟	PROPN
abrj-4	176	13	clients	client	NOUN
abrj-4	176	14	.	.	PUNCT
abrj-4	177	1	references	reference	NOUN
abrj-4	177	2	berger	berger	PROPN
abrj-4	177	3	,	,	PUNCT
abrj-4	177	4	a.n	a.n	PROPN
abrj-4	177	5	.	.	PROPN
abrj-4	177	6	and	and	CCONJ
abrj-4	177	7	g.f	g.f	PROPN
abrj-4	177	8	.	.	PROPN
abrj-4	177	9	udell	udell	PROPN
abrj-4	177	10	,	,	PUNCT
abrj-4	177	11	1998	1998	NUM
abrj-4	177	12	.	.	PUNCT
abrj-4	178	1	the	the	DET
abrj-4	178	2	economics	economic	NOUN
abrj-4	178	3	of	of	ADP
abrj-4	178	4	small	small	ADJ
abrj-4	178	5	business	business	NOUN
abrj-4	178	6	finance	finance	NOUN
abrj-4	178	7	:	:	PUNCT
abrj-4	178	8	the	the	DET
abrj-4	178	9	roles	role	NOUN
abrj-4	178	10	of	of	ADP
abrj-4	178	11	private	private	ADJ
abrj-4	178	12	equity	equity	NOUN
abrj-4	178	13	and	and	CCONJ
abrj-4	178	14	debt	debt	NOUN
abrj-4	178	15	markets	market	NOUN
abrj-4	178	16	in	in	ADP
abrj-4	178	17	the	the	DET
abrj-4	178	18	financial	financial	ADJ
abrj-4	178	19	growth	growth	NOUN
abrj-4	178	20	cycle	cycle	NOUN
abrj-4	178	21	.	.	PUNCT
abrj-4	179	1	journal	journal	NOUN
abrj-4	179	2	of	of	ADP
abrj-4	179	3	banking	banking	NOUN
abrj-4	179	4	&	&	CCONJ
abrj-4	179	5	finance	finance	PROPN
abrj-4	179	6	,	,	PUNCT
abrj-4	179	7	22(6	22(6	NUM
abrj-4	179	8	-	-	SYM
abrj-4	179	9	8)	8)	NUM
abrj-4	179	10	:	:	PUNCT
abrj-4	179	11	613-673.available	613-673.available	ADJ
abrj-4	179	12	at	at	ADP
abrj-4	179	13	:	:	PUNCT
abrj-4	179	14	https://doi.org/10.1016/s0378-4266(98)00038-7	https://doi.org/10.1016/s0378-4266(98)00038-7	ADJ
abrj-4	179	15	.	.	PUNCT
abrj-4	180	1	asian	asian	ADJ
abrj-4	180	2	business	business	PROPN
abrj-4	180	3	research	research	NOUN
abrj-4	180	4	journal	journal	NOUN
abrj-4	180	5	,	,	PUNCT
abrj-4	180	6	2019	2019	NUM
abrj-4	180	7	,	,	PUNCT
abrj-4	180	8	4	4	NUM
abrj-4	180	9	:	:	SYM
abrj-4	180	10	29	29	NUM
abrj-4	180	11	-	-	SYM
abrj-4	180	12	34	34	NUM
abrj-4	180	13	34	34	NUM
abrj-4	180	14	©	©	PROPN
abrj-4	180	15	2019	2019	NUM
abrj-4	180	16	by	by	ADP
abrj-4	180	17	the	the	DET
abrj-4	180	18	authors	author	NOUN
abrj-4	180	19	;	;	PUNCT
abrj-4	180	20	licensee	licensee	NOUN
abrj-4	180	21	eastern	eastern	ADJ
abrj-4	180	22	centre	centre	NOUN
abrj-4	180	23	of	of	ADP
abrj-4	180	24	science	science	NOUN
abrj-4	180	25	and	and	CCONJ
abrj-4	180	26	education	education	NOUN
abrj-4	180	27	,	,	PUNCT
abrj-4	180	28	usa	usa	PROPN
abrj-4	180	29	boot	boot	PROPN
abrj-4	180	30	,	,	PUNCT
abrj-4	180	31	a.w	a.w	PROPN
abrj-4	180	32	.	.	PROPN
abrj-4	180	33	and	and	CCONJ
abrj-4	180	34	a.v	a.v	PROPN
abrj-4	180	35	.	.	PROPN
abrj-4	180	36	thakor	thakor	PROPN
abrj-4	180	37	,	,	PUNCT
abrj-4	180	38	1994	1994	NUM
abrj-4	180	39	.	.	PUNCT
abrj-4	181	1	moral	moral	ADJ
abrj-4	181	2	hazard	hazard	NOUN
abrj-4	181	3	and	and	CCONJ
abrj-4	181	4	secured	secured	ADJ
abrj-4	181	5	lending	lending	NOUN
abrj-4	181	6	in	in	ADP
abrj-4	181	7	an	an	DET
abrj-4	181	8	infinitely	infinitely	ADV
abrj-4	181	9	repeated	repeat	VERB
abrj-4	181	10	credit	credit	NOUN
abrj-4	181	11	market	market	NOUN
abrj-4	181	12	game	game	NOUN
abrj-4	181	13	.	.	PUNCT
abrj-4	182	1	international	international	ADJ
abrj-4	182	2	economic	economic	PROPN
abrj-4	182	3	review	review	NOUN
abrj-4	182	4	,	,	PUNCT
abrj-4	182	5	35(4	35(4	NUM
abrj-4	182	6	):	):	PUNCT
abrj-4	182	7	899-920.available	899-920.available	NUM
abrj-4	182	8	at	at	ADP
abrj-4	182	9	:	:	PUNCT
abrj-4	182	10	https://doi.org/10.2307/2527003	https://doi.org/10.2307/2527003	NOUN
abrj-4	182	11	.	.	PUNCT
abrj-4	183	1	cole	cole	PROPN
abrj-4	183	2	,	,	PUNCT
abrj-4	183	3	r.a	r.a	PROPN
abrj-4	183	4	.	.	PROPN
abrj-4	183	5	,	,	PUNCT
abrj-4	183	6	1998	1998	NUM
abrj-4	183	7	.	.	PUNCT
abrj-4	184	1	the	the	DET
abrj-4	184	2	importance	importance	NOUN
abrj-4	184	3	of	of	ADP
abrj-4	184	4	relationships	relationship	NOUN
abrj-4	184	5	to	to	ADP
abrj-4	184	6	the	the	DET
abrj-4	184	7	availability	availability	NOUN
abrj-4	184	8	of	of	ADP
abrj-4	184	9	credit	credit	NOUN
abrj-4	184	10	.	.	PUNCT
abrj-4	185	1	journal	journal	NOUN
abrj-4	185	2	of	of	ADP
abrj-4	185	3	banking	banking	NOUN
abrj-4	185	4	&	&	CCONJ
abrj-4	185	5	finance	finance	PROPN
abrj-4	185	6	,	,	PUNCT
abrj-4	185	7	22(6	22(6	NUM
abrj-4	185	8	-	-	SYM
abrj-4	185	9	8)	8)	NUM
abrj-4	185	10	:	:	PUNCT
abrj-4	185	11	959-977.available	959-977.available	ADJ
abrj-4	185	12	at	at	ADP
abrj-4	185	13	:	:	PUNCT
abrj-4	185	14	https://doi.org/10.1016/s0378-4266(98)00007-7	https://doi.org/10.1016/s0378-4266(98)00007-7	PROPN
abrj-4	185	15	.	.	PUNCT
abrj-4	186	1	cole	cole	PROPN
abrj-4	186	2	,	,	PUNCT
abrj-4	186	3	r.a	r.a	PROPN
abrj-4	186	4	.	.	PROPN
abrj-4	186	5	,	,	PUNCT
abrj-4	186	6	l.g	l.g	PROPN
abrj-4	186	7	.	.	PROPN
abrj-4	186	8	goldberg	goldberg	PROPN
abrj-4	186	9	and	and	CCONJ
abrj-4	186	10	l.j	l.j	PROPN
abrj-4	186	11	.	.	PROPN
abrj-4	186	12	white	white	PROPN
abrj-4	186	13	,	,	PUNCT
abrj-4	186	14	2004	2004	NUM
abrj-4	186	15	.	.	PUNCT
abrj-4	187	1	cookie	cookie	NOUN
abrj-4	187	2	cutter	cutter	NOUN
abrj-4	187	3	vs.	vs.	ADP
abrj-4	187	4	character	character	NOUN
abrj-4	187	5	:	:	PUNCT
abrj-4	187	6	the	the	DET
abrj-4	187	7	micro	micro	ADJ
abrj-4	187	8	structure	structure	NOUN
abrj-4	187	9	of	of	ADP
abrj-4	187	10	small	small	ADJ
abrj-4	187	11	business	business	NOUN
abrj-4	187	12	lending	lending	NOUN
abrj-4	187	13	by	by	ADP
abrj-4	187	14	large	large	ADJ
abrj-4	187	15	and	and	CCONJ
abrj-4	187	16	small	small	ADJ
abrj-4	187	17	banks	bank	NOUN
abrj-4	187	18	.	.	PUNCT
abrj-4	188	1	journal	journal	PROPN
abrj-4	188	2	of	of	ADP
abrj-4	188	3	financial	financial	ADJ
abrj-4	188	4	and	and	CCONJ
abrj-4	188	5	quantitative	quantitative	ADJ
abrj-4	188	6	analysis	analysis	NOUN
abrj-4	188	7	,	,	PUNCT
abrj-4	188	8	39(2	39(2	NUM
abrj-4	188	9	):	):	PUNCT
abrj-4	188	10	227-251.available	227-251.available	NUM
abrj-4	188	11	at	at	ADP
abrj-4	188	12	:	:	PUNCT
abrj-4	188	13	https://doi.org/10.1017/s0022109000003057	https://doi.org/10.1017/s0022109000003057	NOUN
abrj-4	188	14	.	.	PUNCT
abrj-4	189	1	department	department	NOUN
abrj-4	189	2	of	of	ADP
abrj-4	189	3	trade	trade	NOUN
abrj-4	189	4	and	and	CCONJ
abrj-4	189	5	industry	industry	NOUN
abrj-4	189	6	,	,	PUNCT
abrj-4	189	7	2008	2008	NUM
abrj-4	189	8	.	.	PUNCT
abrj-4	190	1	annual	annual	ADJ
abrj-4	190	2	review	review	NOUN
abrj-4	190	3	of	of	ADP
abrj-4	190	4	small	small	ADJ
abrj-4	190	5	business	business	NOUN
abrj-4	190	6	in	in	ADP
abrj-4	190	7	south	south	PROPN
abrj-4	190	8	africa	africa	PROPN
abrj-4	190	9	2005	2005	NUM
abrj-4	190	10	-	-	SYM
abrj-4	190	11	2007	2007	NUM
abrj-4	190	12	.	.	PUNCT
abrj-4	191	1	pretoria	pretoria	PROPN
abrj-4	191	2	:	:	PUNCT
abrj-4	191	3	the	the	DET
abrj-4	191	4	department	department	NOUN
abrj-4	191	5	of	of	ADP
abrj-4	191	6	trade	trade	NOUN
abrj-4	191	7	and	and	CCONJ
abrj-4	191	8	industry	industry	NOUN
abrj-4	191	9	.	.	PUNCT
abrj-4	192	1	dti	dti	PROPN
abrj-4	192	2	,	,	PUNCT
abrj-4	192	3	2005	2005	NUM
abrj-4	192	4	.	.	PUNCT
abrj-4	193	1	guide	guide	VERB
abrj-4	193	2	to	to	ADP
abrj-4	193	3	the	the	DET
abrj-4	193	4	south	south	ADJ
abrj-4	193	5	african	african	ADJ
abrj-4	193	6	co	co	NOUN
abrj-4	193	7	-	-	NOUN
abrj-4	193	8	operatives	operative	NOUN
abrj-4	193	9	act	act	VERB
abrj-4	193	10	2005	2005	NUM
abrj-4	193	11	.	.	PUNCT
abrj-4	194	1	pretoria	pretoria	PROPN
abrj-4	194	2	:	:	PUNCT
abrj-4	194	3	the	the	DET
abrj-4	194	4	department	department	NOUN
abrj-4	194	5	of	of	ADP
abrj-4	194	6	trade	trade	NOUN
abrj-4	194	7	and	and	CCONJ
abrj-4	194	8	industry	industry	NOUN
abrj-4	194	9	.	.	PUNCT
abrj-4	195	1	elsas	elsas	PROPN
abrj-4	195	2	,	,	PUNCT
abrj-4	195	3	r.	r.	PROPN
abrj-4	195	4	,	,	PUNCT
abrj-4	195	5	2005	2005	NUM
abrj-4	195	6	.	.	PUNCT
abrj-4	196	1	empirical	empirical	ADJ
abrj-4	196	2	determinants	determinant	NOUN
abrj-4	196	3	of	of	ADP
abrj-4	196	4	relationship	relationship	NOUN
abrj-4	196	5	lending	lending	NOUN
abrj-4	196	6	.	.	PUNCT
abrj-4	197	1	journal	journal	PROPN
abrj-4	197	2	of	of	ADP
abrj-4	197	3	financial	financial	ADJ
abrj-4	197	4	intermediation	intermediation	NOUN
abrj-4	197	5	,	,	PUNCT
abrj-4	197	6	14(1	14(1	NUM
abrj-4	197	7	):	):	PUNCT
abrj-4	197	8	32-57.available	32-57.available	ADJ
abrj-4	197	9	at	at	ADP
abrj-4	197	10	:	:	PUNCT
abrj-4	197	11	https://doi.org/10.1016/j.jfi.2003.11.004	https://doi.org/10.1016/j.jfi.2003.11.004	PROPN
abrj-4	197	12	.	.	PUNCT
abrj-4	198	1	herrington	herrington	PROPN
abrj-4	198	2	,	,	PUNCT
abrj-4	198	3	m.	m.	NOUN
abrj-4	198	4	,	,	PUNCT
abrj-4	198	5	j.	j.	PROPN
abrj-4	198	6	kew	kew	PROPN
abrj-4	198	7	and	and	CCONJ
abrj-4	198	8	p.	p.	PROPN
abrj-4	198	9	kew	kew	PROPN
abrj-4	198	10	,	,	PUNCT
abrj-4	198	11	2009	2009	NUM
abrj-4	198	12	.	.	PUNCT
abrj-4	199	1	global	global	ADJ
abrj-4	199	2	entrepreneurship	entrepreneurship	NOUN
abrj-4	199	3	monitor	monitor	NOUN
abrj-4	199	4	,	,	PUNCT
abrj-4	199	5	south	south	ADJ
abrj-4	199	6	african	african	ADJ
abrj-4	199	7	report	report	NOUN
abrj-4	199	8	.	.	PUNCT
abrj-4	200	1	available	available	ADJ
abrj-4	200	2	from	from	ADP
abrj-4	200	3	https://www.gsb.uct.ac.za/	https://www.gsb.uct.ac.za/	PROPN
abrj-4	200	4	[	[	X
abrj-4	200	5	accessed	access	VERB
abrj-4	200	6	15	15	NUM
abrj-4	200	7	may,2009	may,2009	NOUN
abrj-4	200	8	]	]	PUNCT
abrj-4	200	9	.	.	PUNCT
abrj-4	201	1	hisrich	hisrich	PROPN
abrj-4	201	2	,	,	PUNCT
abrj-4	201	3	r.d	r.d	PROPN
abrj-4	201	4	.	.	PROPN
abrj-4	201	5	and	and	CCONJ
abrj-4	201	6	m.p	m.p	PROPN
abrj-4	201	7	.	.	PROPN
abrj-4	201	8	peters	peters	PROPN
abrj-4	201	9	,	,	PUNCT
abrj-4	201	10	1998	1998	NUM
abrj-4	201	11	.	.	PUNCT
abrj-4	202	1	entrepreneurship	entrepreneurship	NOUN
abrj-4	202	2	.	.	PUNCT
abrj-4	203	1	4th	4th	ADJ
abrj-4	203	2	edn	edn	PROPN
abrj-4	203	3	.	.	PUNCT
abrj-4	203	4	,	,	PUNCT
abrj-4	203	5	boston	boston	PROPN
abrj-4	203	6	:	:	PUNCT
abrj-4	203	7	irwin	irwin	PROPN
abrj-4	203	8	/	/	SYM
abrj-4	203	9	mcgraw	mcgraw	PROPN
abrj-4	203	10	-	-	PUNCT
abrj-4	203	11	hill	hill	NOUN
abrj-4	203	12	.	.	PUNCT
abrj-4	204	1	ladzani	ladzani	PROPN
abrj-4	204	2	,	,	PUNCT
abrj-4	204	3	w.m	w.m	PROPN
abrj-4	204	4	.	.	PROPN
abrj-4	204	5	and	and	CCONJ
abrj-4	204	6	v.j.j	v.j.j	NOUN
abrj-4	204	7	.	.	PUNCT
abrj-4	205	1	van	van	PROPN
abrj-4	205	2	,	,	PUNCT
abrj-4	205	3	2002	2002	NUM
abrj-4	205	4	.	.	PUNCT
abrj-4	206	1	entrepreneurship	entrepreneurship	NOUN
abrj-4	206	2	training	training	NOUN
abrj-4	206	3	for	for	ADP
abrj-4	206	4	emerging	emerge	VERB
abrj-4	206	5	smes	sme	NOUN
abrj-4	206	6	in	in	ADP
abrj-4	206	7	south	south	PROPN
abrj-4	206	8	africa	africa	PROPN
abrj-4	206	9	.	.	PUNCT
abrj-4	207	1	journal	journal	PROPN
abrj-4	207	2	of	of	ADP
abrj-4	207	3	small	small	ADJ
abrj-4	207	4	business	business	NOUN
abrj-4	207	5	management	management	NOUN
abrj-4	207	6	,	,	PUNCT
abrj-4	207	7	40(2	40(2	NUM
abrj-4	207	8	):	):	PUNCT
abrj-4	207	9	154-161.available	154-161.available	NUM
abrj-4	207	10	at	at	ADP
abrj-4	207	11	:	:	PUNCT
abrj-4	207	12	https://doi.org/10.1111/1540-627x.00047	https://doi.org/10.1111/1540-627x.00047	PROPN
abrj-4	207	13	.	.	PROPN
abrj-4	207	14	mayer	mayer	PROPN
abrj-4	207	15	,	,	PUNCT
abrj-4	207	16	c.	c.	PROPN
abrj-4	207	17	,	,	PUNCT
abrj-4	207	18	1994	1994	NUM
abrj-4	207	19	.	.	PUNCT
abrj-4	208	1	the	the	DET
abrj-4	208	2	assessment	assessment	NOUN
abrj-4	208	3	:	:	PUNCT
abrj-4	208	4	money	money	NOUN
abrj-4	208	5	and	and	CCONJ
abrj-4	208	6	banking	banking	NOUN
abrj-4	208	7	:	:	PUNCT
abrj-4	208	8	theory	theory	NOUN
abrj-4	208	9	and	and	CCONJ
abrj-4	208	10	evidence	evidence	NOUN
abrj-4	208	11	.	.	PUNCT
abrj-4	209	1	oxford	oxford	PROPN
abrj-4	209	2	review	review	NOUN
abrj-4	209	3	of	of	ADP
abrj-4	209	4	economic	economic	ADJ
abrj-4	209	5	policy	policy	NOUN
abrj-4	209	6	,	,	PUNCT
abrj-4	209	7	10(4	10(4	NUM
abrj-4	209	8	):	):	PUNCT
abrj-4	209	9	1	1	NUM
abrj-4	209	10	-	-	SYM
abrj-4	209	11	13	13	NUM
abrj-4	209	12	.	.	PUNCT
abrj-4	210	1	ministry	ministry	PROPN
abrj-4	210	2	of	of	ADP
abrj-4	210	3	trade	trade	PROPN
abrj-4	210	4	and	and	CCONJ
abrj-4	210	5	industry	industry	NOUN
abrj-4	210	6	,	,	PUNCT
abrj-4	210	7	1994	1994	NUM
abrj-4	210	8	.	.	PUNCT
abrj-4	211	1	strategies	strategy	NOUN
abrj-4	211	2	for	for	ADP
abrj-4	211	3	the	the	DET
abrj-4	211	4	development	development	NOUN
abrj-4	211	5	of	of	ADP
abrj-4	211	6	an	an	DET
abrj-4	211	7	integrated	integrate	VERB
abrj-4	211	8	policy	policy	NOUN
abrj-4	211	9	and	and	CCONJ
abrj-4	211	10	support	support	NOUN
abrj-4	211	11	programme	programme	NOUN
abrj-4	211	12	for	for	ADP
abrj-4	211	13	small	small	ADJ
abrj-4	211	14	,	,	PUNCT
abrj-4	211	15	medium	medium	ADJ
abrj-4	211	16	,	,	PUNCT
abrj-4	211	17	and	and	CCONJ
abrj-4	211	18	micro	micro	NOUN
abrj-4	211	19	-	-	NOUN
abrj-4	211	20	enterprises	enterprise	NOUN
abrj-4	211	21	in	in	ADP
abrj-4	211	22	south	south	PROPN
abrj-4	211	23	africa	africa	PROPN
abrj-4	211	24	.	.	PUNCT
abrj-4	212	1	a	a	DET
abrj-4	212	2	discussion	discussion	NOUN
abrj-4	212	3	paper	paper	NOUN
abrj-4	212	4	.	.	PUNCT
abrj-4	213	1	government	government	NOUN
abrj-4	213	2	publications	publication	NOUN
abrj-4	213	3	.	.	PUNCT
abrj-4	213	4	ntsika	ntsika	PROPN
abrj-4	213	5	,	,	PUNCT
abrj-4	213	6	2002	2002	NUM
abrj-4	213	7	.	.	PUNCT
abrj-4	214	1	state	state	NOUN
abrj-4	214	2	of	of	ADP
abrj-4	214	3	small	small	ADJ
abrj-4	214	4	business	business	NOUN
abrj-4	214	5	in	in	ADP
abrj-4	214	6	south	south	PROPN
abrj-4	214	7	africa	africa	PROPN
abrj-4	214	8	:	:	PUNCT
abrj-4	214	9	annual	annual	ADJ
abrj-4	214	10	review	review	NOUN
abrj-4	214	11	.	.	PUNCT
abrj-4	215	1	pretoria	pretoria	NOUN
abrj-4	215	2	:	:	PUNCT
abrj-4	215	3	ntsika	ntsika	X
abrj-4	215	4	enterprise	enterprise	NOUN
abrj-4	215	5	promotion	promotion	NOUN
abrj-4	215	6	agency	agency	NOUN
abrj-4	215	7	.	.	PUNCT
abrj-4	216	1	olawale	olawale	PROPN
abrj-4	216	2	,	,	PUNCT
abrj-4	216	3	f.	f.	PROPN
abrj-4	216	4	and	and	CCONJ
abrj-4	216	5	d.	d.	PROPN
abrj-4	216	6	garwe	garwe	PROPN
abrj-4	216	7	,	,	PUNCT
abrj-4	216	8	2010	2010	NUM
abrj-4	216	9	.	.	PUNCT
abrj-4	217	1	obstacles	obstacle	NOUN
abrj-4	217	2	to	to	ADP
abrj-4	217	3	the	the	DET
abrj-4	217	4	growth	growth	NOUN
abrj-4	217	5	of	of	ADP
abrj-4	217	6	new	new	ADJ
abrj-4	217	7	smes	sme	NOUN
abrj-4	217	8	in	in	ADP
abrj-4	217	9	south	south	PROPN
abrj-4	217	10	africa	africa	PROPN
abrj-4	217	11	:	:	PUNCT
abrj-4	217	12	a	a	DET
abrj-4	217	13	principal	principal	ADJ
abrj-4	217	14	component	component	NOUN
abrj-4	217	15	analysis	analysis	NOUN
abrj-4	217	16	approach	approach	NOUN
abrj-4	217	17	.	.	PUNCT
abrj-4	218	1	african	african	ADJ
abrj-4	218	2	journal	journal	PROPN
abrj-4	218	3	of	of	ADP
abrj-4	218	4	business	business	NOUN
abrj-4	218	5	management	management	NOUN
abrj-4	218	6	,	,	PUNCT
abrj-4	218	7	4(5	4(5	NUM
abrj-4	218	8	):	):	PUNCT
abrj-4	218	9	729	729	NUM
abrj-4	218	10	-	-	SYM
abrj-4	218	11	738	738	NUM
abrj-4	218	12	.	.	PUNCT
abrj-4	219	1	schwab	schwab	PROPN
abrj-4	219	2	,	,	PUNCT
abrj-4	219	3	k.	k.	PROPN
abrj-4	219	4	,	,	PUNCT
abrj-4	219	5	2017	2017	NUM
abrj-4	219	6	.	.	PUNCT
abrj-4	220	1	the	the	DET
abrj-4	220	2	global	global	ADJ
abrj-4	220	3	competitiveness	competitiveness	NOUN
abrj-4	220	4	report	report	NOUN
abrj-4	220	5	2017–2018	2017–2018	NUM
abrj-4	220	6	.	.	PUNCT
abrj-4	221	1	geneva	geneva	NOUN
abrj-4	221	2	:	:	PUNCT
abrj-4	221	3	world	world	PROPN
abrj-4	221	4	economic	economic	PROPN
abrj-4	221	5	forum	forum	PROPN
abrj-4	221	6	.	.	PUNCT
abrj-4	222	1	statistics	statistics	PROPN
abrj-4	222	2	south	south	PROPN
abrj-4	222	3	africa	africa	PROPN
abrj-4	222	4	(	(	PUNCT
abrj-4	222	5	ssa	ssa	PROPN
abrj-4	222	6	)	)	PUNCT
abrj-4	222	7	,	,	PUNCT
abrj-4	222	8	2013	2013	NUM
abrj-4	222	9	.	.	PUNCT
abrj-4	223	1	unemployment	unemployment	NOUN
abrj-4	223	2	figures	figure	VERB
abrj-4	223	3	13	13	NUM
abrj-4	223	4	may	may	PROPN
abrj-4	223	5	2013	2013	NUM
abrj-4	223	6	,	,	PUNCT
abrj-4	223	7	viewed	view	VERB
abrj-4	223	8	13	13	NUM
abrj-4	223	9	may	may	NOUN
abrj-4	223	10	,	,	PUNCT
abrj-4	223	11	2013	2013	NUM
abrj-4	223	12	.	.	PUNCT
abrj-4	224	1	stein	stein	PROPN
abrj-4	224	2	,	,	PUNCT
abrj-4	224	3	j.c	j.c	PROPN
abrj-4	224	4	.	.	PROPN
abrj-4	224	5	,	,	PUNCT
abrj-4	224	6	2002	2002	NUM
abrj-4	224	7	.	.	PUNCT
abrj-4	225	1	information	information	NOUN
abrj-4	225	2	production	production	NOUN
abrj-4	225	3	and	and	CCONJ
abrj-4	225	4	capital	capital	NOUN
abrj-4	225	5	allocation	allocation	NOUN
abrj-4	225	6	:	:	PUNCT
abrj-4	225	7	decentralized	decentralize	VERB
abrj-4	225	8	versus	versus	ADP
abrj-4	225	9	hierarchical	hierarchical	ADJ
abrj-4	225	10	firms	firm	NOUN
abrj-4	225	11	.	.	PUNCT
abrj-4	226	1	the	the	DET
abrj-4	226	2	journal	journal	PROPN
abrj-4	226	3	of	of	ADP
abrj-4	226	4	finance	finance	NOUN
abrj-4	226	5	,	,	PUNCT
abrj-4	226	6	57(5	57(5	NUM
abrj-4	226	7	):	):	PUNCT
abrj-4	226	8	18911921	18911921	NUM
abrj-4	226	9	.	.	PUNCT
abrj-4	227	1	stiglitz	stiglitz	PROPN
abrj-4	227	2	,	,	PUNCT
abrj-4	227	3	j.e	j.e	PROPN
abrj-4	227	4	.	.	PROPN
abrj-4	227	5	and	and	CCONJ
abrj-4	227	6	a.	a.	NOUN
abrj-4	227	7	weiss	weiss	PROPN
abrj-4	227	8	,	,	PUNCT
abrj-4	227	9	1981	1981	NUM
abrj-4	227	10	.	.	PUNCT
abrj-4	228	1	credit	credit	NOUN
abrj-4	228	2	rationing	ration	VERB
abrj-4	228	3	in	in	ADP
abrj-4	228	4	markets	market	NOUN
abrj-4	228	5	with	with	ADP
abrj-4	228	6	imperfect	imperfect	ADJ
abrj-4	228	7	information	information	NOUN
abrj-4	228	8	.	.	PUNCT
abrj-4	229	1	the	the	DET
abrj-4	229	2	american	american	PROPN
abrj-4	229	3	economic	economic	PROPN
abrj-4	229	4	review	review	PROPN
abrj-4	229	5	,	,	PUNCT
abrj-4	229	6	71(3	71(3	NUM
abrj-4	229	7	):	):	PUNCT
abrj-4	229	8	393	393	NUM
abrj-4	229	9	-	-	SYM
abrj-4	229	10	410	410	NUM
abrj-4	229	11	.	.	PUNCT
abrj-4	230	1	the	the	DET
abrj-4	230	2	presidency	presidency	NOUN
abrj-4	230	3	,	,	PUNCT
abrj-4	230	4	2019	2019	NUM
abrj-4	230	5	.	.	PUNCT
abrj-4	231	1	the	the	DET
abrj-4	231	2	presidency	presidency	NOUN
abrj-4	231	3	of	of	ADP
abrj-4	231	4	the	the	DET
abrj-4	231	5	republic	republic	NOUN
abrj-4	231	6	of	of	ADP
abrj-4	231	7	south	south	PROPN
abrj-4	231	8	africa	africa	PROPN
abrj-4	231	9	.	.	PUNCT
abrj-4	232	1	available	available	ADJ
abrj-4	232	2	from	from	ADP
abrj-4	232	3	http://www.thepresidency.gov.za/pressstatements/president-ramaphosa-announces-reconfigured-departments	http://www.thepresidency.gov.za/pressstatements/president-ramaphosa-announces-reconfigured-department	NOUN
abrj-4	232	4	.	.	PUNCT
abrj-4	233	1	writer	writer	NOUN
abrj-4	233	2	,	,	PUNCT
abrj-4	233	3	s.	s.	PROPN
abrj-4	233	4	,	,	PUNCT
abrj-4	233	5	2018	2018	NUM
abrj-4	233	6	.	.	PUNCT
abrj-4	234	1	businesstech	businesstech	NOUN
abrj-4	234	2	.	.	PUNCT
abrj-4	235	1	retrieved	retrieve	VERB
abrj-4	235	2	from	from	ADP
abrj-4	235	3	businesstech	businesstech	NOUN
abrj-4	235	4	.	.	PUNCT
abrj-4	236	1	available	available	ADJ
abrj-4	236	2	from	from	ADP
abrj-4	236	3	https://businesstech.co.za/news/business/260797/thealarming-truth-about-the-number-of-small-businesses-in-south-africa/.	https://businesstech.co.za/news/business/260797/thealarming-truth-about-the-number-of-small-businesses-in-south-africa/.	NOUN
abrj-4	236	4	citation	citation	NOUN
abrj-4	236	5	|	|	PROPN
abrj-4	236	6	m.t	m.t	PROPN
abrj-4	236	7	.	.	PROPN
abrj-4	236	8	langa	langa	PROPN
abrj-4	236	9	;	;	PUNCT
abrj-4	236	10	krishna	krishna	PROPN
abrj-4	236	11	k	k	PROPN
abrj-4	236	12	govender	govender	PROPN
abrj-4	236	13	(	(	PUNCT
abrj-4	236	14	2019	2019	NUM
abrj-4	236	15	)	)	PUNCT
abrj-4	236	16	.	.	PUNCT
abrj-4	237	1	the	the	DET
abrj-4	237	2	need	need	NOUN
abrj-4	237	3	for	for	ADP
abrj-4	237	4	agile	agile	ADJ
abrj-4	237	5	relationship	relationship	NOUN
abrj-4	237	6	lending	lending	NOUN
abrj-4	237	7	between	between	ADP
abrj-4	237	8	small	small	ADJ
abrj-4	237	9	business	business	NOUN
abrj-4	237	10	and	and	CCONJ
abrj-4	237	11	banks	bank	NOUN
abrj-4	237	12	,	,	PUNCT
abrj-4	237	13	towards	towards	ADP
abrj-4	237	14	a	a	DET
abrj-4	237	15	more	more	ADV
abrj-4	237	16	engaged	engaged	ADJ
abrj-4	237	17	relationship	relationship	NOUN
abrj-4	237	18	:	:	PUNCT
abrj-4	237	19	a	a	DET
abrj-4	237	20	case	case	NOUN
abrj-4	237	21	study	study	NOUN
abrj-4	237	22	in	in	ADP
abrj-4	237	23	khayelitsha	khayelitsha	PROPN
abrj-4	237	24	,	,	PUNCT
abrj-4	237	25	south	south	PROPN
abrj-4	237	26	africa	africa	PROPN
abrj-4	237	27	.	.	PUNCT
abrj-4	238	1	asian	asian	PROPN
abrj-4	238	2	business	business	PROPN
abrj-4	238	3	research	research	NOUN
abrj-4	238	4	journal	journal	NOUN
abrj-4	238	5	,	,	PUNCT
abrj-4	238	6	4	4	NUM
abrj-4	238	7	:	:	SYM
abrj-4	238	8	29	29	NUM
abrj-4	238	9	-	-	SYM
abrj-4	238	10	34	34	NUM
abrj-4	238	11	.	.	PUNCT
abrj-4	239	1	history	history	NOUN
abrj-4	239	2	:	:	PUNCT
abrj-4	239	3	received	receive	VERB
abrj-4	239	4	:	:	PUNCT
abrj-4	239	5	10	10	NUM
abrj-4	239	6	june	june	PROPN
abrj-4	239	7	2019	2019	NUM
abrj-4	239	8	revised	revise	VERB
abrj-4	239	9	:	:	PUNCT
abrj-4	239	10	15	15	NUM
abrj-4	239	11	july	july	PROPN
abrj-4	239	12	2019	2019	NUM
abrj-4	239	13	accepted	accept	VERB
abrj-4	239	14	:	:	PUNCT
abrj-4	239	15	20	20	NUM
abrj-4	239	16	august	august	PROPN
abrj-4	239	17	2019	2019	NUM
abrj-4	239	18	published	publish	VERB
abrj-4	239	19	:	:	PUNCT
abrj-4	239	20	23	23	NUM
abrj-4	239	21	september	september	PROPN
abrj-4	239	22	2019	2019	NUM
abrj-4	239	23	licensed	license	VERB
abrj-4	239	24	:	:	PUNCT
abrj-4	239	25	this	this	DET
abrj-4	239	26	work	work	NOUN
abrj-4	239	27	is	be	AUX
abrj-4	239	28	licensed	license	VERB
abrj-4	239	29	under	under	ADP
abrj-4	239	30	a	a	DET
abrj-4	239	31	creative	creative	ADJ
abrj-4	239	32	commons	common	NOUN
abrj-4	239	33	attribution	attribution	NOUN
abrj-4	239	34	3.0	3.0	NUM
abrj-4	239	35	license	license	NOUN
abrj-4	239	36	publisher	publisher	NOUN
abrj-4	239	37	:	:	PUNCT
abrj-4	239	38	eastern	eastern	ADJ
abrj-4	239	39	centre	centre	NOUN
abrj-4	239	40	of	of	ADP
abrj-4	239	41	science	science	NOUN
abrj-4	239	42	and	and	CCONJ
abrj-4	239	43	education	education	NOUN
abrj-4	239	44	acknowledgement	acknowledgement	NOUN
abrj-4	239	45	:	:	PUNCT
abrj-4	239	46	both	both	DET
abrj-4	239	47	authors	author	NOUN
abrj-4	239	48	contributed	contribute	VERB
abrj-4	239	49	to	to	ADP
abrj-4	239	50	the	the	DET
abrj-4	239	51	conception	conception	NOUN
abrj-4	239	52	and	and	CCONJ
abrj-4	239	53	design	design	NOUN
abrj-4	239	54	of	of	ADP
abrj-4	239	55	the	the	DET
abrj-4	239	56	study	study	NOUN
abrj-4	239	57	.	.	PUNCT
abrj-4	240	1	funding	funding	NOUN
abrj-4	240	2	:	:	PUNCT
abrj-4	240	3	this	this	DET
abrj-4	240	4	study	study	NOUN
abrj-4	240	5	received	receive	VERB
abrj-4	240	6	no	no	DET
abrj-4	240	7	specific	specific	ADJ
abrj-4	240	8	financial	financial	ADJ
abrj-4	240	9	support	support	NOUN
abrj-4	240	10	.	.	PUNCT
abrj-4	241	1	competing	compete	VERB
abrj-4	241	2	interests	interest	NOUN
abrj-4	241	3	:	:	PUNCT
abrj-4	241	4	the	the	DET
abrj-4	241	5	authors	author	NOUN
abrj-4	241	6	declare	declare	VERB
abrj-4	241	7	that	that	SCONJ
abrj-4	241	8	they	they	PRON
abrj-4	241	9	have	have	VERB
abrj-4	241	10	no	no	DET
abrj-4	241	11	conflict	conflict	NOUN
abrj-4	241	12	of	of	ADP
abrj-4	241	13	interests	interest	NOUN
abrj-4	241	14	.	.	PUNCT
abrj-4	242	1	transparency	transparency	NOUN
abrj-4	242	2	:	:	PUNCT
abrj-4	242	3	the	the	DET
abrj-4	242	4	authors	author	NOUN
abrj-4	242	5	confirm	confirm	VERB
abrj-4	242	6	that	that	SCONJ
abrj-4	242	7	the	the	DET
abrj-4	242	8	manuscript	manuscript	NOUN
abrj-4	242	9	is	be	AUX
abrj-4	242	10	an	an	DET
abrj-4	242	11	honest	honest	ADJ
abrj-4	242	12	,	,	PUNCT
abrj-4	242	13	accurate	accurate	ADJ
abrj-4	242	14	,	,	PUNCT
abrj-4	242	15	and	and	CCONJ
abrj-4	242	16	transparent	transparent	ADJ
abrj-4	242	17	account	account	NOUN
abrj-4	242	18	of	of	ADP
abrj-4	242	19	the	the	DET
abrj-4	242	20	study	study	NOUN
abrj-4	242	21	was	be	AUX
abrj-4	242	22	reported	report	VERB
abrj-4	242	23	;	;	PUNCT
abrj-4	242	24	that	that	SCONJ
abrj-4	242	25	no	no	DET
abrj-4	242	26	vital	vital	ADJ
abrj-4	242	27	features	feature	NOUN
abrj-4	242	28	of	of	ADP
abrj-4	242	29	the	the	DET
abrj-4	242	30	study	study	NOUN
abrj-4	242	31	have	have	AUX
abrj-4	242	32	been	be	AUX
abrj-4	242	33	omitted	omit	VERB
abrj-4	242	34	;	;	PUNCT
abrj-4	242	35	and	and	CCONJ
abrj-4	242	36	that	that	SCONJ
abrj-4	242	37	any	any	DET
abrj-4	242	38	discrepancies	discrepancy	NOUN
abrj-4	242	39	from	from	ADP
abrj-4	242	40	the	the	DET
abrj-4	242	41	study	study	NOUN
abrj-4	242	42	as	as	SCONJ
abrj-4	242	43	planned	plan	VERB
abrj-4	242	44	have	have	AUX
abrj-4	242	45	been	be	AUX
abrj-4	242	46	explained	explain	VERB
abrj-4	242	47	.	.	PUNCT
abrj-4	243	1	ethical	ethical	ADJ
abrj-4	243	2	:	:	PUNCT
abrj-4	243	3	this	this	DET
abrj-4	243	4	study	study	NOUN
abrj-4	243	5	follows	follow	VERB
abrj-4	243	6	all	all	DET
abrj-4	243	7	ethical	ethical	ADJ
abrj-4	243	8	practices	practice	NOUN
abrj-4	243	9	during	during	ADP
abrj-4	243	10	writing	writing	NOUN
abrj-4	243	11	.	.	PUNCT
abrj-4	244	1	eastern	eastern	ADJ
abrj-4	244	2	centre	centre	PROPN
abrj-4	244	3	of	of	ADP
abrj-4	244	4	science	science	NOUN
abrj-4	244	5	and	and	CCONJ
abrj-4	244	6	education	education	NOUN
abrj-4	244	7	is	be	AUX
abrj-4	244	8	not	not	PART
abrj-4	244	9	responsible	responsible	ADJ
abrj-4	244	10	or	or	CCONJ
abrj-4	244	11	answerable	answerable	ADJ
abrj-4	244	12	for	for	ADP
abrj-4	244	13	any	any	DET
abrj-4	244	14	loss	loss	NOUN
abrj-4	244	15	,	,	PUNCT
abrj-4	244	16	damage	damage	NOUN
abrj-4	244	17	or	or	CCONJ
abrj-4	244	18	liability	liability	NOUN
abrj-4	244	19	,	,	PUNCT
abrj-4	244	20	etc	etc	X
abrj-4	244	21	.	.	X
abrj-4	244	22	caused	cause	VERB
abrj-4	244	23	in	in	ADP
abrj-4	244	24	relation	relation	NOUN
abrj-4	244	25	to	to	PART
abrj-4	244	26	/	/	PUNCT
abrj-4	244	27	arising	arise	VERB
abrj-4	244	28	out	out	ADP
abrj-4	244	29	of	of	ADP
abrj-4	244	30	the	the	DET
abrj-4	244	31	use	use	NOUN
abrj-4	244	32	of	of	ADP
abrj-4	244	33	the	the	DET
abrj-4	244	34	content	content	NOUN
abrj-4	244	35	.	.	PUNCT
abrj-4	245	1	any	any	DET
abrj-4	245	2	queries	query	NOUN
abrj-4	245	3	should	should	AUX
abrj-4	245	4	be	be	AUX
abrj-4	245	5	directed	direct	VERB
abrj-4	245	6	to	to	ADP
abrj-4	245	7	the	the	DET
abrj-4	245	8	corresponding	corresponding	ADJ
abrj-4	245	9	author	author	NOUN
abrj-4	245	10	of	of	ADP
abrj-4	245	11	the	the	DET
abrj-4	245	12	article	article	NOUN
abrj-4	245	13	.	.	PUNCT
abrj-4	246	1	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
abrj-4	246	2	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN