id	sid	tid	token	lemma	pos
abrj-544	1	1	85	85	NUM
abrj-544	1	2	©	©	PROPN
abrj-544	1	3	2025	2025	NUM
abrj-544	1	4	by	by	ADP
abrj-544	1	5	the	the	DET
abrj-544	1	6	author	author	NOUN
abrj-544	1	7	;	;	PUNCT
abrj-544	1	8	licensee	licensee	NOUN
abrj-544	1	9	eastern	eastern	ADJ
abrj-544	1	10	centre	centre	NOUN
abrj-544	1	11	of	of	ADP
abrj-544	1	12	science	science	NOUN
abrj-544	1	13	and	and	CCONJ
abrj-544	1	14	education	education	NOUN
abrj-544	1	15	,	,	PUNCT
abrj-544	1	16	usa	usa	PROPN
abrj-544	1	17	asian	asian	PROPN
abrj-544	1	18	business	business	PROPN
abrj-544	1	19	research	research	PROPN
abrj-544	1	20	journal	journal	PROPN
abrj-544	1	21	vol	vol	NOUN
abrj-544	1	22	.	.	PROPN
abrj-544	2	1	10	10	NUM
abrj-544	2	2	,	,	PUNCT
abrj-544	2	3	no	no	INTJ
abrj-544	2	4	.	.	NOUN
abrj-544	2	5	8	8	NUM
abrj-544	2	6	,	,	PUNCT
abrj-544	2	7	85	85	NUM
abrj-544	2	8	-	-	SYM
abrj-544	2	9	94	94	NUM
abrj-544	2	10	,	,	PUNCT
abrj-544	2	11	2025	2025	NUM
abrj-544	2	12	issn	issn	NOUN
abrj-544	2	13	:	:	PUNCT
abrj-544	2	14	2576	2576	NUM
abrj-544	2	15	-	-	SYM
abrj-544	2	16	6759	6759	NUM
abrj-544	2	17	doi	doi	NOUN
abrj-544	2	18	:	:	PUNCT
abrj-544	2	19	10.55220/2576	10.55220/2576	NUM
abrj-544	2	20	-	-	SYM
abrj-544	2	21	6759.544	6759.544	NUM
abrj-544	2	22	©	©	PROPN
abrj-544	2	23	2025	2025	NUM
abrj-544	2	24	by	by	ADP
abrj-544	2	25	the	the	DET
abrj-544	2	26	author	author	NOUN
abrj-544	2	27	;	;	PUNCT
abrj-544	2	28	licensee	licensee	NOUN
abrj-544	2	29	eastern	eastern	ADJ
abrj-544	2	30	centre	centre	NOUN
abrj-544	2	31	of	of	ADP
abrj-544	2	32	science	science	NOUN
abrj-544	2	33	and	and	CCONJ
abrj-544	2	34	education	education	NOUN
abrj-544	2	35	,	,	PUNCT
abrj-544	2	36	usa	usa	PROPN
abrj-544	2	37	microfinance	microfinance	NOUN
abrj-544	2	38	accessibility	accessibility	NOUN
abrj-544	2	39	and	and	CCONJ
abrj-544	2	40	rural	rural	ADJ
abrj-544	2	41	poverty	poverty	NOUN
abrj-544	2	42	dynamics	dynamic	NOUN
abrj-544	2	43	:	:	PUNCT
abrj-544	2	44	evidence	evidence	NOUN
abrj-544	2	45	from	from	ADP
abrj-544	2	46	remote	remote	ADJ
abrj-544	2	47	village	village	NOUN
abrj-544	2	48	communities	community	NOUN
abrj-544	2	49	in	in	ADP
abrj-544	2	50	vietnam	vietnam	PROPN
abrj-544	2	51	tuan	tuan	PROPN
abrj-544	2	52	kiet	kiet	PROPN
abrj-544	2	53	le	le	PROPN
abrj-544	2	54	alpha	alpha	PROPN
abrj-544	2	55	high	high	PROPN
abrj-544	2	56	school	school	PROPN
abrj-544	2	57	hanoi	hanoi	PROPN
abrj-544	2	58	,	,	PUNCT
abrj-544	2	59	vietnam	vietnam	PROPN
abrj-544	2	60	.	.	PUNCT
abrj-544	2	61	email	email	NOUN
abrj-544	2	62	:	:	PUNCT
abrj-544	2	63	kietlt2008@icloud.com	kietlt2008@icloud.com	X
abrj-544	3	1	abstract	abstract	ADJ
abrj-544	3	2	this	this	DET
abrj-544	3	3	study	study	NOUN
abrj-544	3	4	investigates	investigate	VERB
abrj-544	3	5	the	the	DET
abrj-544	3	6	complex	complex	ADJ
abrj-544	3	7	relationship	relationship	NOUN
abrj-544	3	8	between	between	ADP
abrj-544	3	9	microfinance	microfinance	NOUN
abrj-544	3	10	accessibility	accessibility	NOUN
abrj-544	3	11	and	and	CCONJ
abrj-544	3	12	poverty	poverty	NOUN
abrj-544	3	13	alleviation	alleviation	NOUN
abrj-544	3	14	dynamics	dynamic	NOUN
abrj-544	3	15	within	within	ADP
abrj-544	3	16	remote	remote	ADJ
abrj-544	3	17	village	village	NOUN
abrj-544	3	18	communities	community	NOUN
abrj-544	3	19	in	in	ADP
abrj-544	3	20	vietnam	vietnam	PROPN
abrj-544	3	21	,	,	PUNCT
abrj-544	3	22	employing	employ	VERB
abrj-544	3	23	a	a	DET
abrj-544	3	24	comprehensive	comprehensive	ADJ
abrj-544	3	25	analytical	analytical	ADJ
abrj-544	3	26	framework	framework	NOUN
abrj-544	3	27	that	that	PRON
abrj-544	3	28	integrates	integrate	VERB
abrj-544	3	29	structural	structural	ADJ
abrj-544	3	30	equation	equation	NOUN
abrj-544	3	31	modelling	modelling	NOUN
abrj-544	3	32	(	(	PUNCT
abrj-544	3	33	sem	sem	NOUN
abrj-544	3	34	)	)	PUNCT
abrj-544	3	35	with	with	ADP
abrj-544	3	36	fuzzy	fuzzy	ADJ
abrj-544	3	37	-	-	PUNCT
abrj-544	3	38	set	set	VERB
abrj-544	3	39	qualitative	qualitative	ADJ
abrj-544	3	40	comparative	comparative	ADJ
abrj-544	3	41	analysis	analysis	NOUN
abrj-544	3	42	(	(	PUNCT
abrj-544	3	43	fsqca	fsqca	NOUN
abrj-544	3	44	)	)	PUNCT
abrj-544	3	45	.	.	PUNCT
abrj-544	4	1	the	the	DET
abrj-544	4	2	research	research	NOUN
abrj-544	4	3	examines	examine	VERB
abrj-544	4	4	how	how	SCONJ
abrj-544	4	5	microfinance	microfinance	NOUN
abrj-544	4	6	accessibility	accessibility	NOUN
abrj-544	4	7	influences	influence	VERB
abrj-544	4	8	household	household	NOUN
abrj-544	4	9	economic	economic	ADJ
abrj-544	4	10	outcomes	outcome	NOUN
abrj-544	4	11	through	through	ADP
abrj-544	4	12	multiple	multiple	ADJ
abrj-544	4	13	theoretical	theoretical	ADJ
abrj-544	4	14	lenses	lense	NOUN
abrj-544	4	15	,	,	PUNCT
abrj-544	4	16	including	include	VERB
abrj-544	4	17	financial	financial	ADJ
abrj-544	4	18	inclusion	inclusion	NOUN
abrj-544	4	19	theory	theory	NOUN
abrj-544	4	20	,	,	PUNCT
abrj-544	4	21	capability	capability	NOUN
abrj-544	4	22	approach	approach	NOUN
abrj-544	4	23	,	,	PUNCT
abrj-544	4	24	and	and	CCONJ
abrj-544	4	25	institutional	institutional	ADJ
abrj-544	4	26	theory	theory	NOUN
abrj-544	4	27	.	.	PUNCT
abrj-544	5	1	utilising	utilise	VERB
abrj-544	5	2	primary	primary	ADJ
abrj-544	5	3	data	datum	NOUN
abrj-544	5	4	collected	collect	VERB
abrj-544	5	5	from	from	ADP
abrj-544	5	6	485	485	NUM
abrj-544	5	7	households	household	NOUN
abrj-544	5	8	across	across	ADP
abrj-544	5	9	28	28	NUM
abrj-544	5	10	remote	remote	ADJ
abrj-544	5	11	villages	village	NOUN
abrj-544	5	12	in	in	ADP
abrj-544	5	13	northern	northern	ADJ
abrj-544	5	14	vietnam	vietnam	PROPN
abrj-544	5	15	,	,	PUNCT
abrj-544	5	16	this	this	DET
abrj-544	5	17	study	study	NOUN
abrj-544	5	18	employs	employ	VERB
abrj-544	5	19	partial	partial	ADJ
abrj-544	5	20	least	least	ADJ
abrj-544	5	21	squares	square	NOUN
abrj-544	5	22	structural	structural	ADJ
abrj-544	5	23	equation	equation	NOUN
abrj-544	5	24	modelling	modelling	NOUN
abrj-544	5	25	(	(	PUNCT
abrj-544	5	26	pls	pls	INTJ
abrj-544	5	27	-	-	PUNCT
abrj-544	5	28	sem	sem	NOUN
abrj-544	5	29	)	)	PUNCT
abrj-544	5	30	to	to	PART
abrj-544	5	31	examine	examine	VERB
abrj-544	5	32	direct	direct	ADJ
abrj-544	5	33	and	and	CCONJ
abrj-544	5	34	indirect	indirect	ADJ
abrj-544	5	35	relationships	relationship	NOUN
abrj-544	5	36	between	between	ADP
abrj-544	5	37	microfinance	microfinance	NOUN
abrj-544	5	38	accessibility	accessibility	NOUN
abrj-544	5	39	,	,	PUNCT
abrj-544	5	40	financial	financial	ADJ
abrj-544	5	41	capability	capability	NOUN
abrj-544	5	42	,	,	PUNCT
abrj-544	5	43	social	social	ADJ
abrj-544	5	44	capital	capital	NOUN
abrj-544	5	45	,	,	PUNCT
abrj-544	5	46	and	and	CCONJ
abrj-544	5	47	poverty	poverty	NOUN
abrj-544	5	48	reduction	reduction	NOUN
abrj-544	5	49	outcomes	outcome	NOUN
abrj-544	5	50	.	.	PUNCT
abrj-544	6	1	the	the	DET
abrj-544	6	2	findings	finding	NOUN
abrj-544	6	3	reveal	reveal	VERB
abrj-544	6	4	that	that	SCONJ
abrj-544	6	5	microfinance	microfinance	NOUN
abrj-544	6	6	accessibility	accessibility	NOUN
abrj-544	6	7	significantly	significantly	ADV
abrj-544	6	8	enhances	enhance	VERB
abrj-544	6	9	household	household	NOUN
abrj-544	6	10	economic	economic	ADJ
abrj-544	6	11	welfare	welfare	NOUN
abrj-544	6	12	through	through	ADP
abrj-544	6	13	improved	improve	VERB
abrj-544	6	14	financial	financial	ADJ
abrj-544	6	15	capability	capability	NOUN
abrj-544	6	16	and	and	CCONJ
abrj-544	6	17	strengthened	strengthen	VERB
abrj-544	6	18	social	social	ADJ
abrj-544	6	19	networks	network	NOUN
abrj-544	6	20	,	,	PUNCT
abrj-544	6	21	with	with	ADP
abrj-544	6	22	the	the	DET
abrj-544	6	23	relationship	relationship	NOUN
abrj-544	6	24	being	be	AUX
abrj-544	6	25	moderated	moderate	VERB
abrj-544	6	26	by	by	ADP
abrj-544	6	27	geographic	geographic	ADJ
abrj-544	6	28	remoteness	remoteness	NOUN
abrj-544	6	29	and	and	CCONJ
abrj-544	6	30	institutional	institutional	ADJ
abrj-544	6	31	quality	quality	NOUN
abrj-544	6	32	.	.	PUNCT
abrj-544	7	1	the	the	DET
abrj-544	7	2	fsqca	fsqca	NOUN
abrj-544	7	3	analysis	analysis	NOUN
abrj-544	7	4	identifies	identify	VERB
abrj-544	7	5	three	three	NUM
abrj-544	7	6	distinct	distinct	ADJ
abrj-544	7	7	configurational	configurational	ADJ
abrj-544	7	8	pathways	pathway	NOUN
abrj-544	7	9	through	through	ADP
abrj-544	7	10	which	which	PRON
abrj-544	7	11	microfinance	microfinance	NOUN
abrj-544	7	12	accessibility	accessibility	NOUN
abrj-544	7	13	contributes	contribute	VERB
abrj-544	7	14	to	to	ADP
abrj-544	7	15	poverty	poverty	NOUN
abrj-544	7	16	alleviation	alleviation	NOUN
abrj-544	7	17	,	,	PUNCT
abrj-544	7	18	highlighting	highlight	VERB
abrj-544	7	19	the	the	DET
abrj-544	7	20	importance	importance	NOUN
abrj-544	7	21	of	of	ADP
abrj-544	7	22	contextual	contextual	ADJ
abrj-544	7	23	factors	factor	NOUN
abrj-544	7	24	in	in	ADP
abrj-544	7	25	determining	determine	VERB
abrj-544	7	26	effectiveness	effectiveness	NOUN
abrj-544	7	27	.	.	PUNCT
abrj-544	8	1	the	the	DET
abrj-544	8	2	study	study	NOUN
abrj-544	8	3	contributes	contribute	VERB
abrj-544	8	4	to	to	ADP
abrj-544	8	5	the	the	DET
abrj-544	8	6	microfinance	microfinance	NOUN
abrj-544	8	7	literature	literature	NOUN
abrj-544	8	8	by	by	ADP
abrj-544	8	9	providing	provide	VERB
abrj-544	8	10	empirical	empirical	ADJ
abrj-544	8	11	evidence	evidence	NOUN
abrj-544	8	12	of	of	ADP
abrj-544	8	13	the	the	DET
abrj-544	8	14	multifaceted	multifaceted	ADJ
abrj-544	8	15	nature	nature	NOUN
abrj-544	8	16	of	of	ADP
abrj-544	8	17	microfinance	microfinance	NOUN
abrj-544	8	18	impact	impact	NOUN
abrj-544	8	19	and	and	CCONJ
abrj-544	8	20	offers	offer	VERB
abrj-544	8	21	practical	practical	ADJ
abrj-544	8	22	insights	insight	NOUN
abrj-544	8	23	for	for	ADP
abrj-544	8	24	policymakers	policymaker	NOUN
abrj-544	8	25	and	and	CCONJ
abrj-544	8	26	practitioners	practitioner	NOUN
abrj-544	8	27	seeking	seek	VERB
abrj-544	8	28	to	to	PART
abrj-544	8	29	optimise	optimise	VERB
abrj-544	8	30	microfinance	microfinance	NOUN
abrj-544	8	31	programme	programme	NOUN
abrj-544	8	32	design	design	NOUN
abrj-544	8	33	in	in	ADP
abrj-544	8	34	remote	remote	ADJ
abrj-544	8	35	rural	rural	ADJ
abrj-544	8	36	contexts	contexts	NOUN
abrj-544	8	37	.	.	PUNCT
abrj-544	9	1	keywords	keyword	NOUN
abrj-544	9	2	:	:	PUNCT
abrj-544	9	3	financial	financial	ADJ
abrj-544	9	4	inclusion	inclusion	NOUN
abrj-544	9	5	,	,	PUNCT
abrj-544	9	6	microfinance	microfinance	NOUN
abrj-544	9	7	accessibility	accessibility	NOUN
abrj-544	9	8	,	,	PUNCT
abrj-544	9	9	poverty	poverty	NOUN
abrj-544	9	10	alleviation	alleviation	NOUN
abrj-544	9	11	,	,	PUNCT
abrj-544	9	12	rural	rural	ADJ
abrj-544	9	13	development	development	NOUN
abrj-544	9	14	,	,	PUNCT
abrj-544	9	15	vietnam	vietnam	PROPN
abrj-544	9	16	.	.	PUNCT
abrj-544	10	1	1	1	X
abrj-544	10	2	.	.	X
abrj-544	10	3	introduction	introduction	NOUN
abrj-544	10	4	the	the	DET
abrj-544	10	5	persistent	persistent	ADJ
abrj-544	10	6	challenge	challenge	NOUN
abrj-544	10	7	of	of	ADP
abrj-544	10	8	rural	rural	ADJ
abrj-544	10	9	poverty	poverty	NOUN
abrj-544	10	10	in	in	ADP
abrj-544	10	11	developing	develop	VERB
abrj-544	10	12	economies	economy	NOUN
abrj-544	10	13	has	have	AUX
abrj-544	10	14	positioned	position	VERB
abrj-544	10	15	microfinance	microfinance	NOUN
abrj-544	10	16	as	as	ADP
abrj-544	10	17	a	a	DET
abrj-544	10	18	critical	critical	ADJ
abrj-544	10	19	instrument	instrument	NOUN
abrj-544	10	20	for	for	ADP
abrj-544	10	21	economic	economic	ADJ
abrj-544	10	22	development	development	NOUN
abrj-544	10	23	and	and	CCONJ
abrj-544	10	24	poverty	poverty	NOUN
abrj-544	10	25	alleviation	alleviation	NOUN
abrj-544	10	26	,	,	PUNCT
abrj-544	10	27	particularly	particularly	ADV
abrj-544	10	28	within	within	ADP
abrj-544	10	29	remote	remote	ADJ
abrj-544	10	30	village	village	NOUN
abrj-544	10	31	communities	community	NOUN
abrj-544	10	32	where	where	SCONJ
abrj-544	10	33	traditional	traditional	ADJ
abrj-544	10	34	banking	banking	NOUN
abrj-544	10	35	services	service	NOUN
abrj-544	10	36	remain	remain	VERB
abrj-544	10	37	largely	largely	ADV
abrj-544	10	38	inaccessible	inaccessible	ADJ
abrj-544	10	39	(	(	PUNCT
abrj-544	10	40	morduch	morduch	ADJ
abrj-544	10	41	,	,	PUNCT
abrj-544	10	42	2000	2000	NUM
abrj-544	10	43	)	)	PUNCT
abrj-544	10	44	.	.	PUNCT
abrj-544	11	1	the	the	DET
abrj-544	11	2	theoretical	theoretical	ADJ
abrj-544	11	3	premise	premise	NOUN
abrj-544	11	4	underlying	underlie	VERB
abrj-544	11	5	microfinance	microfinance	NOUN
abrj-544	11	6	interventions	intervention	NOUN
abrj-544	11	7	suggests	suggest	VERB
abrj-544	11	8	that	that	SCONJ
abrj-544	11	9	enhanced	enhance	VERB
abrj-544	11	10	access	access	NOUN
abrj-544	11	11	to	to	ADP
abrj-544	11	12	financial	financial	ADJ
abrj-544	11	13	services	service	NOUN
abrj-544	11	14	can	can	AUX
abrj-544	11	15	stimulate	stimulate	VERB
abrj-544	11	16	entrepreneurial	entrepreneurial	ADJ
abrj-544	11	17	activities	activity	NOUN
abrj-544	11	18	,	,	PUNCT
abrj-544	11	19	smooth	smooth	ADJ
abrj-544	11	20	consumption	consumption	NOUN
abrj-544	11	21	patterns	pattern	NOUN
abrj-544	11	22	,	,	PUNCT
abrj-544	11	23	and	and	CCONJ
abrj-544	11	24	ultimately	ultimately	ADV
abrj-544	11	25	transform	transform	VERB
abrj-544	11	26	the	the	DET
abrj-544	11	27	economic	economic	ADJ
abrj-544	11	28	trajectories	trajectory	NOUN
abrj-544	11	29	of	of	ADP
abrj-544	11	30	impoverished	impoverished	ADJ
abrj-544	11	31	households	household	NOUN
abrj-544	11	32	(	(	PUNCT
abrj-544	11	33	yunus	yunus	PROPN
abrj-544	11	34	,	,	PUNCT
abrj-544	11	35	2007	2007	NUM
abrj-544	11	36	)	)	PUNCT
abrj-544	11	37	.	.	PUNCT
abrj-544	12	1	however	however	ADV
abrj-544	12	2	,	,	PUNCT
abrj-544	12	3	the	the	DET
abrj-544	12	4	empirical	empirical	ADJ
abrj-544	12	5	evidence	evidence	NOUN
abrj-544	12	6	regarding	regard	VERB
abrj-544	12	7	microfinance	microfinance	NOUN
abrj-544	12	8	effectiveness	effectiveness	NOUN
abrj-544	12	9	remains	remain	VERB
abrj-544	12	10	contentious	contentious	ADJ
abrj-544	12	11	,	,	PUNCT
abrj-544	12	12	with	with	ADP
abrj-544	12	13	recent	recent	ADJ
abrj-544	12	14	systematic	systematic	ADJ
abrj-544	12	15	reviews	review	NOUN
abrj-544	12	16	revealing	reveal	VERB
abrj-544	12	17	mixed	mixed	ADJ
abrj-544	12	18	outcomes	outcome	NOUN
abrj-544	12	19	across	across	ADP
abrj-544	12	20	different	different	ADJ
abrj-544	12	21	contexts	context	NOUN
abrj-544	12	22	and	and	CCONJ
abrj-544	12	23	methodological	methodological	ADJ
abrj-544	12	24	approaches	approach	NOUN
abrj-544	12	25	(	(	PUNCT
abrj-544	12	26	duvendack	duvendack	NOUN
abrj-544	12	27	et	et	PROPN
abrj-544	12	28	al	al	PROPN
abrj-544	12	29	.	.	PROPN
abrj-544	12	30	,	,	PUNCT
abrj-544	12	31	2011	2011	NUM
abrj-544	12	32	)	)	PUNCT
abrj-544	12	33	.	.	PUNCT
abrj-544	13	1	vietnam	vietnam	PROPN
abrj-544	13	2	's	's	PART
abrj-544	13	3	remarkable	remarkable	ADJ
abrj-544	13	4	economic	economic	ADJ
abrj-544	13	5	transformation	transformation	NOUN
abrj-544	13	6	since	since	SCONJ
abrj-544	13	7	the	the	DET
abrj-544	13	8	implementation	implementation	NOUN
abrj-544	13	9	of	of	ADP
abrj-544	13	10	doi	doi	X
abrj-544	13	11	moi	moi	X
abrj-544	13	12	reforms	reform	NOUN
abrj-544	13	13	in	in	ADP
abrj-544	13	14	1986	1986	NUM
abrj-544	13	15	has	have	AUX
abrj-544	13	16	not	not	PART
abrj-544	13	17	eliminated	eliminate	VERB
abrj-544	13	18	the	the	DET
abrj-544	13	19	persistent	persistent	ADJ
abrj-544	13	20	poverty	poverty	NOUN
abrj-544	13	21	challenges	challenge	NOUN
abrj-544	13	22	facing	face	VERB
abrj-544	13	23	remote	remote	ADJ
abrj-544	13	24	rural	rural	ADJ
abrj-544	13	25	communities	community	NOUN
abrj-544	13	26	,	,	PUNCT
abrj-544	13	27	where	where	SCONJ
abrj-544	13	28	approximately	approximately	ADV
abrj-544	13	29	12.8	12.8	NUM
abrj-544	13	30	%	%	NOUN
abrj-544	13	31	of	of	ADP
abrj-544	13	32	the	the	DET
abrj-544	13	33	population	population	NOUN
abrj-544	13	34	continues	continue	VERB
abrj-544	13	35	to	to	PART
abrj-544	13	36	live	live	VERB
abrj-544	13	37	below	below	ADP
abrj-544	13	38	the	the	DET
abrj-544	13	39	national	national	ADJ
abrj-544	13	40	poverty	poverty	NOUN
abrj-544	13	41	line	line	NOUN
abrj-544	13	42	(	(	PUNCT
abrj-544	13	43	world	world	PROPN
abrj-544	13	44	bank	bank	PROPN
abrj-544	13	45	,	,	PUNCT
abrj-544	13	46	2016	2016	NUM
abrj-544	13	47	)	)	PUNCT
abrj-544	13	48	.	.	PUNCT
abrj-544	14	1	the	the	DET
abrj-544	14	2	country	country	NOUN
abrj-544	14	3	's	's	PART
abrj-544	14	4	mountainous	mountainous	ADJ
abrj-544	14	5	northern	northern	ADJ
abrj-544	14	6	regions	region	NOUN
abrj-544	14	7	,	,	PUNCT
abrj-544	14	8	characterised	characterise	VERB
abrj-544	14	9	by	by	ADP
abrj-544	14	10	ethnic	ethnic	ADJ
abrj-544	14	11	minority	minority	NOUN
abrj-544	14	12	populations	population	NOUN
abrj-544	14	13	and	and	CCONJ
abrj-544	14	14	geographic	geographic	ADJ
abrj-544	14	15	isolation	isolation	NOUN
abrj-544	14	16	,	,	PUNCT
abrj-544	14	17	present	present	ADJ
abrj-544	14	18	particularly	particularly	ADV
abrj-544	14	19	acute	acute	ADJ
abrj-544	14	20	development	development	NOUN
abrj-544	14	21	challenges	challenge	NOUN
abrj-544	14	22	that	that	PRON
abrj-544	14	23	conventional	conventional	ADJ
abrj-544	14	24	banking	banking	NOUN
abrj-544	14	25	institutions	institution	NOUN
abrj-544	14	26	have	have	AUX
abrj-544	14	27	struggled	struggle	VERB
abrj-544	14	28	to	to	PART
abrj-544	14	29	address	address	VERB
abrj-544	14	30	effectively	effectively	ADV
abrj-544	14	31	(	(	PUNCT
abrj-544	14	32	nguyen	nguyen	PROPN
abrj-544	14	33	&	&	CCONJ
abrj-544	14	34	berg	berg	PROPN
abrj-544	14	35	,	,	PUNCT
abrj-544	14	36	2014	2014	NUM
abrj-544	14	37	)	)	PUNCT
abrj-544	14	38	.	.	PUNCT
abrj-544	15	1	within	within	ADP
abrj-544	15	2	this	this	DET
abrj-544	15	3	context	context	NOUN
abrj-544	15	4	,	,	PUNCT
abrj-544	15	5	microfinance	microfinance	NOUN
abrj-544	15	6	institutions	institution	NOUN
abrj-544	15	7	have	have	AUX
abrj-544	15	8	emerged	emerge	VERB
abrj-544	15	9	as	as	ADP
abrj-544	15	10	potentially	potentially	ADV
abrj-544	15	11	transformative	transformative	ADJ
abrj-544	15	12	agents	agent	NOUN
abrj-544	15	13	,	,	PUNCT
abrj-544	15	14	offering	offer	VERB
abrj-544	15	15	tailored	tailor	VERB
abrj-544	15	16	financial	financial	ADJ
abrj-544	15	17	products	product	NOUN
abrj-544	15	18	designed	design	VERB
abrj-544	15	19	to	to	PART
abrj-544	15	20	meet	meet	VERB
abrj-544	15	21	the	the	DET
abrj-544	15	22	unique	unique	ADJ
abrj-544	15	23	needs	need	NOUN
abrj-544	15	24	of	of	ADP
abrj-544	15	25	rural	rural	ADJ
abrj-544	15	26	households	household	NOUN
abrj-544	15	27	(	(	PUNCT
abrj-544	15	28	pham	pham	PROPN
abrj-544	15	29	&	&	CCONJ
abrj-544	15	30	lensink	lensink	PROPN
abrj-544	15	31	,	,	PUNCT
abrj-544	15	32	2007	2007	NUM
abrj-544	15	33	)	)	PUNCT
abrj-544	15	34	.	.	PUNCT
abrj-544	16	1	the	the	DET
abrj-544	16	2	theoretical	theoretical	ADJ
abrj-544	16	3	urgency	urgency	NOUN
abrj-544	16	4	surrounding	surround	VERB
abrj-544	16	5	microfinance	microfinance	NOUN
abrj-544	16	6	research	research	NOUN
abrj-544	16	7	stems	stem	VERB
abrj-544	16	8	from	from	ADP
abrj-544	16	9	the	the	DET
abrj-544	16	10	ongoing	ongoing	ADJ
abrj-544	16	11	debate	debate	NOUN
abrj-544	16	12	regarding	regard	VERB
abrj-544	16	13	its	its	PRON
abrj-544	16	14	actual	actual	ADJ
abrj-544	16	15	impact	impact	NOUN
abrj-544	16	16	on	on	ADP
abrj-544	16	17	poverty	poverty	NOUN
abrj-544	16	18	reduction	reduction	NOUN
abrj-544	16	19	versus	versus	ADP
abrj-544	16	20	its	its	PRON
abrj-544	16	21	potential	potential	NOUN
abrj-544	16	22	for	for	ADP
abrj-544	16	23	creating	create	VERB
abrj-544	16	24	debt	debt	NOUN
abrj-544	16	25	burdens	burden	NOUN
abrj-544	16	26	and	and	CCONJ
abrj-544	16	27	social	social	ADJ
abrj-544	16	28	disruption	disruption	NOUN
abrj-544	16	29	(	(	PUNCT
abrj-544	16	30	roodman	roodman	NOUN
abrj-544	16	31	,	,	PUNCT
abrj-544	16	32	2012	2012	NUM
abrj-544	16	33	)	)	PUNCT
abrj-544	16	34	.	.	PUNCT
abrj-544	17	1	traditional	traditional	ADJ
abrj-544	17	2	economic	economic	ADJ
abrj-544	17	3	theories	theory	NOUN
abrj-544	17	4	of	of	ADP
abrj-544	17	5	credit	credit	NOUN
abrj-544	17	6	markets	market	NOUN
abrj-544	17	7	suggest	suggest	VERB
abrj-544	17	8	that	that	SCONJ
abrj-544	17	9	improved	improved	ADJ
abrj-544	17	10	access	access	NOUN
abrj-544	17	11	to	to	ADP
abrj-544	17	12	financial	financial	ADJ
abrj-544	17	13	services	service	NOUN
abrj-544	17	14	should	should	AUX
abrj-544	17	15	enhance	enhance	VERB
abrj-544	17	16	household	household	NOUN
abrj-544	17	17	welfare	welfare	NOUN
abrj-544	17	18	through	through	ADP
abrj-544	17	19	increased	increase	VERB
abrj-544	17	20	investment	investment	NOUN
abrj-544	17	21	opportunities	opportunity	NOUN
abrj-544	17	22	and	and	CCONJ
abrj-544	17	23	consumption	consumption	NOUN
abrj-544	17	24	smoothing	smooth	VERB
abrj-544	17	25	mechanisms	mechanism	NOUN
abrj-544	17	26	(	(	PUNCT
abrj-544	17	27	banerjee	banerjee	PROPN
abrj-544	17	28	&	&	CCONJ
abrj-544	17	29	duflo	duflo	PROPN
abrj-544	17	30	,	,	PUNCT
abrj-544	17	31	2011	2011	NUM
abrj-544	17	32	)	)	PUNCT
abrj-544	17	33	.	.	PUNCT
abrj-544	18	1	however	however	ADV
abrj-544	18	2	,	,	PUNCT
abrj-544	18	3	behavioural	behavioural	ADJ
abrj-544	18	4	economics	economic	NOUN
abrj-544	18	5	perspectives	perspective	NOUN
abrj-544	18	6	highlight	highlight	VERB
abrj-544	18	7	the	the	DET
abrj-544	18	8	complex	complex	ADJ
abrj-544	18	9	psychological	psychological	ADJ
abrj-544	18	10	and	and	CCONJ
abrj-544	18	11	social	social	ADJ
abrj-544	18	12	factors	factor	NOUN
abrj-544	18	13	that	that	PRON
abrj-544	18	14	influence	influence	VERB
abrj-544	18	15	financial	financial	ADJ
abrj-544	18	16	decision	decision	NOUN
abrj-544	18	17	-	-	PUNCT
abrj-544	18	18	making	making	NOUN
abrj-544	18	19	among	among	ADP
abrj-544	18	20	low	low	ADJ
abrj-544	18	21	-	-	PUNCT
abrj-544	18	22	income	income	NOUN
abrj-544	18	23	populations	population	NOUN
abrj-544	18	24	,	,	PUNCT
abrj-544	18	25	suggesting	suggest	VERB
abrj-544	18	26	that	that	SCONJ
abrj-544	18	27	microfinance	microfinance	NOUN
abrj-544	18	28	impact	impact	NOUN
abrj-544	18	29	may	may	AUX
abrj-544	18	30	be	be	AUX
abrj-544	18	31	contingent	contingent	ADJ
abrj-544	18	32	upon	upon	SCONJ
abrj-544	18	33	broader	broad	ADJ
abrj-544	18	34	institutional	institutional	ADJ
abrj-544	18	35	and	and	CCONJ
abrj-544	18	36	contextual	contextual	ADJ
abrj-544	18	37	factors	factor	NOUN
abrj-544	18	38	(	(	PUNCT
abrj-544	18	39	karlan	karlan	PROPN
abrj-544	18	40	&	&	CCONJ
abrj-544	18	41	morduch	morduch	PROPN
abrj-544	18	42	,	,	PUNCT
abrj-544	18	43	2010	2010	NUM
abrj-544	18	44	)	)	PUNCT
abrj-544	18	45	.	.	PUNCT
abrj-544	19	1	the	the	DET
abrj-544	19	2	necessity	necessity	NOUN
abrj-544	19	3	of	of	ADP
abrj-544	19	4	this	this	DET
abrj-544	19	5	research	research	NOUN
abrj-544	19	6	emerges	emerge	VERB
abrj-544	19	7	from	from	ADP
abrj-544	19	8	several	several	ADJ
abrj-544	19	9	critical	critical	ADJ
abrj-544	19	10	gaps	gap	NOUN
abrj-544	19	11	in	in	ADP
abrj-544	19	12	the	the	DET
abrj-544	19	13	existing	exist	VERB
abrj-544	19	14	literature	literature	NOUN
abrj-544	19	15	.	.	PUNCT
abrj-544	20	1	first	first	ADV
abrj-544	20	2	,	,	PUNCT
abrj-544	20	3	while	while	SCONJ
abrj-544	20	4	numerous	numerous	ADJ
abrj-544	20	5	studies	study	NOUN
abrj-544	20	6	have	have	AUX
abrj-544	20	7	examined	examine	VERB
abrj-544	20	8	microfinance	microfinance	NOUN
abrj-544	20	9	impact	impact	NOUN
abrj-544	20	10	in	in	ADP
abrj-544	20	11	various	various	ADJ
abrj-544	20	12	developing	develop	VERB
abrj-544	20	13	country	country	NOUN
abrj-544	20	14	contexts	contexts	NOUN
abrj-544	20	15	,	,	PUNCT
abrj-544	20	16	relatively	relatively	ADV
abrj-544	20	17	few	few	ADJ
abrj-544	20	18	have	have	AUX
abrj-544	20	19	focused	focus	VERB
abrj-544	20	20	specifically	specifically	ADV
abrj-544	20	21	on	on	ADP
abrj-544	20	22	the	the	DET
abrj-544	20	23	unique	unique	ADJ
abrj-544	20	24	challenges	challenge	NOUN
abrj-544	20	25	faced	face	VERB
abrj-544	20	26	by	by	ADP
abrj-544	20	27	remote	remote	ADJ
abrj-544	20	28	village	village	NOUN
abrj-544	20	29	communities	community	NOUN
abrj-544	20	30	in	in	ADP
abrj-544	20	31	vietnam	vietnam	PROPN
abrj-544	20	32	,	,	PUNCT
abrj-544	20	33	where	where	SCONJ
abrj-544	20	34	geographic	geographic	ADJ
abrj-544	20	35	isolation	isolation	NOUN
abrj-544	20	36	,	,	PUNCT
abrj-544	20	37	ethnic	ethnic	ADJ
abrj-544	20	38	diversity	diversity	NOUN
abrj-544	20	39	,	,	PUNCT
abrj-544	20	40	and	and	CCONJ
abrj-544	20	41	limited	limited	ADJ
abrj-544	20	42	infrastructure	infrastructure	NOUN
abrj-544	20	43	create	create	VERB
abrj-544	20	44	distinct	distinct	ADJ
abrj-544	20	45	implementation	implementation	NOUN
abrj-544	20	46	challenges	challenge	NOUN
abrj-544	20	47	(	(	PUNCT
abrj-544	20	48	hoang	hoang	PROPN
abrj-544	20	49	et	et	PROPN
abrj-544	20	50	al	al	PROPN
abrj-544	20	51	.	.	PROPN
abrj-544	20	52	,	,	PUNCT
abrj-544	20	53	2006	2006	NUM
abrj-544	20	54	)	)	PUNCT
abrj-544	20	55	.	.	PUNCT
abrj-544	21	1	second	second	ADV
abrj-544	21	2	,	,	PUNCT
abrj-544	21	3	the	the	DET
abrj-544	21	4	majority	majority	NOUN
abrj-544	21	5	of	of	ADP
abrj-544	21	6	existing	exist	VERB
abrj-544	21	7	microfinance	microfinance	NOUN
abrj-544	21	8	impact	impact	NOUN
abrj-544	21	9	studies	study	NOUN
abrj-544	21	10	have	have	AUX
abrj-544	21	11	employed	employ	VERB
abrj-544	21	12	single	single	ADJ
abrj-544	21	13	-	-	PUNCT
abrj-544	21	14	method	method	NOUN
abrj-544	21	15	approaches	approach	NOUN
abrj-544	21	16	,	,	PUNCT
abrj-544	21	17	limiting	limit	VERB
abrj-544	21	18	mailto:kietlt2008@icloud.com	mailto:kietlt2008@icloud.com	ADJ
abrj-544	21	19	https://doi.org/10.55220/2576-6759.544	https://doi.org/10.55220/2576-6759.544	PROPN
abrj-544	21	20	asian	asian	ADJ
abrj-544	21	21	business	business	NOUN
abrj-544	21	22	research	research	NOUN
abrj-544	21	23	journal	journal	NOUN
abrj-544	21	24	,	,	PUNCT
abrj-544	21	25	2025	2025	NUM
abrj-544	21	26	,	,	PUNCT
abrj-544	21	27	10(8	10(8	NUM
abrj-544	21	28	):	):	PUNCT
abrj-544	21	29	85	85	NUM
abrj-544	21	30	-	-	SYM
abrj-544	21	31	94	94	NUM
abrj-544	21	32	86	86	NUM
abrj-544	21	33	©	©	ADP
abrj-544	21	34	2025	2025	NUM
abrj-544	21	35	by	by	ADP
abrj-544	21	36	the	the	DET
abrj-544	21	37	author	author	NOUN
abrj-544	21	38	;	;	PUNCT
abrj-544	21	39	licensee	licensee	NOUN
abrj-544	21	40	eastern	eastern	ADJ
abrj-544	21	41	centre	centre	NOUN
abrj-544	21	42	of	of	ADP
abrj-544	21	43	science	science	NOUN
abrj-544	21	44	and	and	CCONJ
abrj-544	21	45	education	education	NOUN
abrj-544	21	46	,	,	PUNCT
abrj-544	21	47	usa	usa	PROPN
abrj-544	21	48	their	their	PRON
abrj-544	21	49	ability	ability	NOUN
abrj-544	21	50	to	to	PART
abrj-544	21	51	capture	capture	VERB
abrj-544	21	52	the	the	DET
abrj-544	21	53	complex	complex	ADJ
abrj-544	21	54	configurational	configurational	ADJ
abrj-544	21	55	relationships	relationship	NOUN
abrj-544	21	56	that	that	PRON
abrj-544	21	57	may	may	AUX
abrj-544	21	58	determine	determine	VERB
abrj-544	21	59	programme	programme	NOUN
abrj-544	21	60	effectiveness	effectiveness	NOUN
abrj-544	21	61	(	(	PUNCT
abrj-544	21	62	arun	arun	PROPN
abrj-544	21	63	&	&	CCONJ
abrj-544	21	64	annim	annim	PROPN
abrj-544	21	65	,	,	PUNCT
abrj-544	21	66	2010	2010	NUM
abrj-544	21	67	)	)	PUNCT
abrj-544	21	68	.	.	PUNCT
abrj-544	22	1	third	third	ADJ
abrj-544	22	2	,	,	PUNCT
abrj-544	22	3	the	the	DET
abrj-544	22	4	theoretical	theoretical	ADJ
abrj-544	22	5	frameworks	framework	NOUN
abrj-544	22	6	employed	employ	VERB
abrj-544	22	7	in	in	ADP
abrj-544	22	8	microfinance	microfinance	NOUN
abrj-544	22	9	research	research	NOUN
abrj-544	22	10	have	have	AUX
abrj-544	22	11	often	often	ADV
abrj-544	22	12	focused	focus	VERB
abrj-544	22	13	on	on	ADP
abrj-544	22	14	narrow	narrow	ADJ
abrj-544	22	15	economic	economic	ADJ
abrj-544	22	16	outcomes	outcome	NOUN
abrj-544	22	17	while	while	SCONJ
abrj-544	22	18	neglecting	neglect	VERB
abrj-544	22	19	the	the	DET
abrj-544	22	20	broader	broad	ADJ
abrj-544	22	21	social	social	ADJ
abrj-544	22	22	and	and	CCONJ
abrj-544	22	23	psychological	psychological	ADJ
abrj-544	22	24	dimensions	dimension	NOUN
abrj-544	22	25	of	of	ADP
abrj-544	22	26	poverty	poverty	NOUN
abrj-544	22	27	that	that	PRON
abrj-544	22	28	may	may	AUX
abrj-544	22	29	mediate	mediate	VERB
abrj-544	22	30	the	the	DET
abrj-544	22	31	relationship	relationship	NOUN
abrj-544	22	32	between	between	ADP
abrj-544	22	33	financial	financial	ADJ
abrj-544	22	34	access	access	NOUN
abrj-544	22	35	and	and	CCONJ
abrj-544	22	36	household	household	NOUN
abrj-544	22	37	welfare	welfare	NOUN
abrj-544	22	38	(	(	PUNCT
abrj-544	22	39	mayoux	mayoux	NOUN
abrj-544	22	40	,	,	PUNCT
abrj-544	22	41	2001	2001	NUM
abrj-544	22	42	)	)	PUNCT
abrj-544	22	43	.	.	PUNCT
abrj-544	23	1	this	this	DET
abrj-544	23	2	study	study	NOUN
abrj-544	23	3	addresses	address	VERB
abrj-544	23	4	these	these	DET
abrj-544	23	5	gaps	gap	NOUN
abrj-544	23	6	by	by	ADP
abrj-544	23	7	developing	develop	VERB
abrj-544	23	8	a	a	DET
abrj-544	23	9	comprehensive	comprehensive	ADJ
abrj-544	23	10	theoretical	theoretical	ADJ
abrj-544	23	11	framework	framework	NOUN
abrj-544	23	12	that	that	PRON
abrj-544	23	13	integrates	integrate	VERB
abrj-544	23	14	financial	financial	ADJ
abrj-544	23	15	inclusion	inclusion	NOUN
abrj-544	23	16	theory	theory	NOUN
abrj-544	23	17	,	,	PUNCT
abrj-544	23	18	capability	capability	NOUN
abrj-544	23	19	approach	approach	NOUN
abrj-544	23	20	,	,	PUNCT
abrj-544	23	21	and	and	CCONJ
abrj-544	23	22	institutional	institutional	ADJ
abrj-544	23	23	theory	theory	NOUN
abrj-544	23	24	to	to	PART
abrj-544	23	25	examine	examine	VERB
abrj-544	23	26	the	the	DET
abrj-544	23	27	multifaceted	multifaceted	ADJ
abrj-544	23	28	pathways	pathway	NOUN
abrj-544	23	29	through	through	ADP
abrj-544	23	30	which	which	PRON
abrj-544	23	31	microfinance	microfinance	NOUN
abrj-544	23	32	accessibility	accessibility	NOUN
abrj-544	23	33	influences	influence	VERB
abrj-544	23	34	poverty	poverty	NOUN
abrj-544	23	35	alleviation	alleviation	NOUN
abrj-544	23	36	outcomes	outcome	NOUN
abrj-544	23	37	in	in	ADP
abrj-544	23	38	remote	remote	ADJ
abrj-544	23	39	vietnamese	vietnamese	ADJ
abrj-544	23	40	villages	village	NOUN
abrj-544	23	41	.	.	PUNCT
abrj-544	24	1	the	the	DET
abrj-544	24	2	research	research	NOUN
abrj-544	24	3	employs	employ	VERB
abrj-544	24	4	a	a	DET
abrj-544	24	5	mixed	mix	VERB
abrj-544	24	6	-	-	PUNCT
abrj-544	24	7	method	method	NOUN
abrj-544	24	8	analytical	analytical	ADJ
abrj-544	24	9	approach	approach	NOUN
abrj-544	24	10	,	,	PUNCT
abrj-544	24	11	combining	combine	VERB
abrj-544	24	12	partial	partial	ADJ
abrj-544	24	13	least	least	ADJ
abrj-544	24	14	squares	square	NOUN
abrj-544	24	15	structural	structural	ADJ
abrj-544	24	16	equation	equation	NOUN
abrj-544	24	17	modelling	modelling	NOUN
abrj-544	24	18	(	(	PUNCT
abrj-544	24	19	plssem	plssem	NOUN
abrj-544	24	20	)	)	PUNCT
abrj-544	24	21	with	with	ADP
abrj-544	24	22	fuzzy	fuzzy	ADJ
abrj-544	24	23	-	-	PUNCT
abrj-544	24	24	set	set	VERB
abrj-544	24	25	qualitative	qualitative	ADJ
abrj-544	24	26	comparative	comparative	ADJ
abrj-544	24	27	analysis	analysis	NOUN
abrj-544	24	28	(	(	PUNCT
abrj-544	24	29	fsqca	fsqca	NOUN
abrj-544	24	30	)	)	PUNCT
abrj-544	24	31	to	to	PART
abrj-544	24	32	capture	capture	VERB
abrj-544	24	33	both	both	CCONJ
abrj-544	24	34	the	the	DET
abrj-544	24	35	linear	linear	ADJ
abrj-544	24	36	relationships	relationship	NOUN
abrj-544	24	37	and	and	CCONJ
abrj-544	24	38	configurational	configurational	ADJ
abrj-544	24	39	patterns	pattern	NOUN
abrj-544	24	40	that	that	PRON
abrj-544	24	41	characterise	characterise	VERB
abrj-544	24	42	microfinance	microfinance	NOUN
abrj-544	24	43	impact	impact	NOUN
abrj-544	24	44	.	.	PUNCT
abrj-544	25	1	the	the	DET
abrj-544	25	2	novelty	novelty	NOUN
abrj-544	25	3	of	of	ADP
abrj-544	25	4	this	this	DET
abrj-544	25	5	research	research	NOUN
abrj-544	25	6	lies	lie	VERB
abrj-544	25	7	in	in	ADP
abrj-544	25	8	its	its	PRON
abrj-544	25	9	systematic	systematic	ADJ
abrj-544	25	10	examination	examination	NOUN
abrj-544	25	11	of	of	ADP
abrj-544	25	12	the	the	DET
abrj-544	25	13	moderating	moderate	VERB
abrj-544	25	14	effects	effect	NOUN
abrj-544	25	15	of	of	ADP
abrj-544	25	16	geographic	geographic	ADJ
abrj-544	25	17	remoteness	remoteness	NOUN
abrj-544	25	18	and	and	CCONJ
abrj-544	25	19	institutional	institutional	ADJ
abrj-544	25	20	quality	quality	NOUN
abrj-544	25	21	on	on	ADP
abrj-544	25	22	microfinance	microfinance	NOUN
abrj-544	25	23	effectiveness	effectiveness	NOUN
abrj-544	25	24	,	,	PUNCT
abrj-544	25	25	as	as	ADV
abrj-544	25	26	well	well	ADV
abrj-544	25	27	as	as	ADP
abrj-544	25	28	its	its	PRON
abrj-544	25	29	identification	identification	NOUN
abrj-544	25	30	of	of	ADP
abrj-544	25	31	distinct	distinct	ADJ
abrj-544	25	32	configurational	configurational	ADJ
abrj-544	25	33	pathways	pathway	NOUN
abrj-544	25	34	through	through	ADP
abrj-544	25	35	which	which	PRON
abrj-544	25	36	financial	financial	ADJ
abrj-544	25	37	access	access	NOUN
abrj-544	25	38	translates	translate	VERB
abrj-544	25	39	into	into	ADP
abrj-544	25	40	poverty	poverty	NOUN
abrj-544	25	41	reduction	reduction	NOUN
abrj-544	25	42	outcomes	outcome	NOUN
abrj-544	25	43	.	.	PUNCT
abrj-544	26	1	the	the	DET
abrj-544	26	2	study	study	NOUN
abrj-544	26	3	's	's	PART
abrj-544	26	4	theoretical	theoretical	ADJ
abrj-544	26	5	contribution	contribution	NOUN
abrj-544	26	6	extends	extend	VERB
abrj-544	26	7	beyond	beyond	ADP
abrj-544	26	8	the	the	DET
abrj-544	26	9	specific	specific	ADJ
abrj-544	26	10	context	context	NOUN
abrj-544	26	11	of	of	ADP
abrj-544	26	12	vietnam	vietnam	PROPN
abrj-544	26	13	to	to	PART
abrj-544	26	14	offer	offer	VERB
abrj-544	26	15	insights	insight	NOUN
abrj-544	26	16	into	into	ADP
abrj-544	26	17	the	the	DET
abrj-544	26	18	broader	broad	ADJ
abrj-544	26	19	mechanisms	mechanism	NOUN
abrj-544	26	20	through	through	ADP
abrj-544	26	21	which	which	PRON
abrj-544	26	22	microfinance	microfinance	NOUN
abrj-544	26	23	programmes	programme	NOUN
abrj-544	26	24	can	can	AUX
abrj-544	26	25	be	be	AUX
abrj-544	26	26	optimised	optimise	VERB
abrj-544	26	27	for	for	ADP
abrj-544	26	28	remote	remote	ADJ
abrj-544	26	29	rural	rural	ADJ
abrj-544	26	30	contexts	contexts	NOUN
abrj-544	26	31	globally	globally	ADV
abrj-544	26	32	.	.	PUNCT
abrj-544	27	1	by	by	ADP
abrj-544	27	2	examining	examine	VERB
abrj-544	27	3	the	the	DET
abrj-544	27	4	complex	complex	ADJ
abrj-544	27	5	interplay	interplay	NOUN
abrj-544	27	6	between	between	ADP
abrj-544	27	7	individual	individual	ADJ
abrj-544	27	8	-	-	PUNCT
abrj-544	27	9	level	level	NOUN
abrj-544	27	10	factors	factor	NOUN
abrj-544	27	11	(	(	PUNCT
abrj-544	27	12	financial	financial	ADJ
abrj-544	27	13	capability	capability	NOUN
abrj-544	27	14	,	,	PUNCT
abrj-544	27	15	social	social	ADJ
abrj-544	27	16	capital	capital	NOUN
abrj-544	27	17	)	)	PUNCT
abrj-544	27	18	,	,	PUNCT
abrj-544	27	19	institutional	institutional	ADJ
abrj-544	27	20	factors	factor	NOUN
abrj-544	27	21	(	(	PUNCT
abrj-544	27	22	microfinance	microfinance	NOUN
abrj-544	27	23	accessibility	accessibility	NOUN
abrj-544	27	24	,	,	PUNCT
abrj-544	27	25	institutional	institutional	ADJ
abrj-544	27	26	quality	quality	NOUN
abrj-544	27	27	)	)	PUNCT
abrj-544	27	28	,	,	PUNCT
abrj-544	27	29	and	and	CCONJ
abrj-544	27	30	contextual	contextual	ADJ
abrj-544	27	31	factors	factor	NOUN
abrj-544	27	32	(	(	PUNCT
abrj-544	27	33	geographic	geographic	ADJ
abrj-544	27	34	remoteness	remoteness	NOUN
abrj-544	27	35	,	,	PUNCT
abrj-544	27	36	ethnic	ethnic	ADJ
abrj-544	27	37	diversity	diversity	NOUN
abrj-544	27	38	)	)	PUNCT
abrj-544	27	39	,	,	PUNCT
abrj-544	27	40	this	this	DET
abrj-544	27	41	research	research	NOUN
abrj-544	27	42	provides	provide	VERB
abrj-544	27	43	a	a	DET
abrj-544	27	44	nuanced	nuanced	ADJ
abrj-544	27	45	understanding	understanding	NOUN
abrj-544	27	46	of	of	ADP
abrj-544	27	47	the	the	DET
abrj-544	27	48	conditions	condition	NOUN
abrj-544	27	49	under	under	ADP
abrj-544	27	50	which	which	PRON
abrj-544	27	51	microfinance	microfinance	NOUN
abrj-544	27	52	interventions	intervention	NOUN
abrj-544	27	53	are	be	AUX
abrj-544	27	54	most	most	ADV
abrj-544	27	55	likely	likely	ADJ
abrj-544	27	56	to	to	PART
abrj-544	27	57	achieve	achieve	VERB
abrj-544	27	58	their	their	PRON
abrj-544	27	59	poverty	poverty	NOUN
abrj-544	27	60	alleviation	alleviation	NOUN
abrj-544	27	61	objectives	objective	NOUN
abrj-544	27	62	.	.	PUNCT
abrj-544	28	1	the	the	DET
abrj-544	28	2	findings	finding	NOUN
abrj-544	28	3	have	have	VERB
abrj-544	28	4	significant	significant	ADJ
abrj-544	28	5	implications	implication	NOUN
abrj-544	28	6	for	for	ADP
abrj-544	28	7	policymakers	policymaker	NOUN
abrj-544	28	8	,	,	PUNCT
abrj-544	28	9	development	development	NOUN
abrj-544	28	10	practitioners	practitioner	NOUN
abrj-544	28	11	,	,	PUNCT
abrj-544	28	12	and	and	CCONJ
abrj-544	28	13	microfinance	microfinance	NOUN
abrj-544	28	14	institutions	institution	NOUN
abrj-544	28	15	seeking	seek	VERB
abrj-544	28	16	to	to	PART
abrj-544	28	17	design	design	VERB
abrj-544	28	18	more	more	ADV
abrj-544	28	19	effective	effective	ADJ
abrj-544	28	20	programmes	programme	NOUN
abrj-544	28	21	for	for	ADP
abrj-544	28	22	remote	remote	ADJ
abrj-544	28	23	rural	rural	ADJ
abrj-544	28	24	populations	population	NOUN
abrj-544	28	25	.	.	PUNCT
abrj-544	29	1	2	2	X
abrj-544	29	2	.	.	X
abrj-544	29	3	foundational	foundational	ADJ
abrj-544	29	4	theories	theory	NOUN
abrj-544	29	5	and	and	CCONJ
abrj-544	29	6	literature	literature	NOUN
abrj-544	29	7	review	review	NOUN
abrj-544	29	8	2.1	2.1	NUM
abrj-544	29	9	.	.	PUNCT
abrj-544	30	1	foundational	foundational	ADJ
abrj-544	30	2	theories	theory	NOUN
abrj-544	30	3	2.1.1	2.1.1	NUM
abrj-544	30	4	.	.	PUNCT
abrj-544	31	1	financial	financial	ADJ
abrj-544	31	2	inclusion	inclusion	NOUN
abrj-544	31	3	theory	theory	NOUN
abrj-544	31	4	financial	financial	ADJ
abrj-544	31	5	inclusion	inclusion	NOUN
abrj-544	31	6	theory	theory	NOUN
abrj-544	31	7	posits	posit	VERB
abrj-544	31	8	that	that	PRON
abrj-544	31	9	access	access	NOUN
abrj-544	31	10	to	to	ADP
abrj-544	31	11	appropriate	appropriate	ADJ
abrj-544	31	12	financial	financial	ADJ
abrj-544	31	13	services	service	NOUN
abrj-544	31	14	enables	enable	VERB
abrj-544	31	15	individuals	individual	NOUN
abrj-544	31	16	and	and	CCONJ
abrj-544	31	17	households	household	NOUN
abrj-544	31	18	to	to	PART
abrj-544	31	19	improve	improve	VERB
abrj-544	31	20	their	their	PRON
abrj-544	31	21	economic	economic	ADJ
abrj-544	31	22	welfare	welfare	NOUN
abrj-544	31	23	through	through	ADP
abrj-544	31	24	enhanced	enhance	VERB
abrj-544	31	25	opportunities	opportunity	NOUN
abrj-544	31	26	for	for	ADP
abrj-544	31	27	investment	investment	NOUN
abrj-544	31	28	,	,	PUNCT
abrj-544	31	29	consumption	consumption	NOUN
abrj-544	31	30	smoothing	smoothing	NOUN
abrj-544	31	31	,	,	PUNCT
abrj-544	31	32	and	and	CCONJ
abrj-544	31	33	risk	risk	NOUN
abrj-544	31	34	management	management	NOUN
abrj-544	31	35	(	(	PUNCT
abrj-544	31	36	beck	beck	NOUN
abrj-544	31	37	et	et	PROPN
abrj-544	31	38	al	al	PROPN
abrj-544	31	39	.	.	PROPN
abrj-544	31	40	,	,	PUNCT
abrj-544	31	41	2007	2007	NUM
abrj-544	31	42	)	)	PUNCT
abrj-544	31	43	.	.	PUNCT
abrj-544	32	1	the	the	DET
abrj-544	32	2	theoretical	theoretical	ADJ
abrj-544	32	3	foundation	foundation	NOUN
abrj-544	32	4	rests	rest	VERB
abrj-544	32	5	upon	upon	SCONJ
abrj-544	32	6	the	the	DET
abrj-544	32	7	premise	premise	NOUN
abrj-544	32	8	that	that	SCONJ
abrj-544	32	9	financial	financial	ADJ
abrj-544	32	10	exclusion	exclusion	NOUN
abrj-544	32	11	perpetuates	perpetuate	VERB
abrj-544	32	12	poverty	poverty	NOUN
abrj-544	32	13	by	by	ADP
abrj-544	32	14	constraining	constrain	VERB
abrj-544	32	15	households	household	NOUN
abrj-544	32	16	'	'	PART
abrj-544	32	17	ability	ability	NOUN
abrj-544	32	18	to	to	PART
abrj-544	32	19	accumulate	accumulate	VERB
abrj-544	32	20	assets	asset	NOUN
abrj-544	32	21	,	,	PUNCT
abrj-544	32	22	invest	invest	VERB
abrj-544	32	23	in	in	ADP
abrj-544	32	24	productive	productive	ADJ
abrj-544	32	25	activities	activity	NOUN
abrj-544	32	26	,	,	PUNCT
abrj-544	32	27	and	and	CCONJ
abrj-544	32	28	cope	cope	VERB
abrj-544	32	29	with	with	ADP
abrj-544	32	30	economic	economic	ADJ
abrj-544	32	31	shocks	shock	NOUN
abrj-544	32	32	(	(	PUNCT
abrj-544	32	33	demirguc	demirguc	PROPN
abrj-544	32	34	-	-	PUNCT
abrj-544	32	35	kunt	kunt	PROPN
abrj-544	32	36	&	&	CCONJ
abrj-544	32	37	levine	levine	PROPN
abrj-544	32	38	,	,	PUNCT
abrj-544	32	39	2009	2009	NUM
abrj-544	32	40	)	)	PUNCT
abrj-544	32	41	.	.	PUNCT
abrj-544	33	1	within	within	ADP
abrj-544	33	2	the	the	DET
abrj-544	33	3	context	context	NOUN
abrj-544	33	4	of	of	ADP
abrj-544	33	5	microfinance	microfinance	NOUN
abrj-544	33	6	,	,	PUNCT
abrj-544	33	7	this	this	DET
abrj-544	33	8	theory	theory	NOUN
abrj-544	33	9	suggests	suggest	VERB
abrj-544	33	10	that	that	SCONJ
abrj-544	33	11	providing	provide	VERB
abrj-544	33	12	tailored	tailor	VERB
abrj-544	33	13	financial	financial	ADJ
abrj-544	33	14	products	product	NOUN
abrj-544	33	15	to	to	PART
abrj-544	33	16	previously	previously	ADV
abrj-544	33	17	excluded	exclude	VERB
abrj-544	33	18	populations	population	NOUN
abrj-544	33	19	can	can	AUX
abrj-544	33	20	stimulate	stimulate	VERB
abrj-544	33	21	entrepreneurial	entrepreneurial	ADJ
abrj-544	33	22	behaviour	behaviour	NOUN
abrj-544	33	23	,	,	PUNCT
abrj-544	33	24	facilitate	facilitate	VERB
abrj-544	33	25	human	human	ADJ
abrj-544	33	26	capital	capital	NOUN
abrj-544	33	27	investments	investment	NOUN
abrj-544	33	28	,	,	PUNCT
abrj-544	33	29	and	and	CCONJ
abrj-544	33	30	ultimately	ultimately	ADV
abrj-544	33	31	contribute	contribute	VERB
abrj-544	33	32	to	to	ADP
abrj-544	33	33	poverty	poverty	NOUN
abrj-544	33	34	reduction	reduction	NOUN
abrj-544	33	35	outcomes	outcome	NOUN
abrj-544	33	36	(	(	PUNCT
abrj-544	33	37	claessens	claessen	NOUN
abrj-544	33	38	,	,	PUNCT
abrj-544	33	39	2006	2006	NUM
abrj-544	33	40	)	)	PUNCT
abrj-544	33	41	.	.	PUNCT
abrj-544	34	1	the	the	DET
abrj-544	34	2	microfinance	microfinance	NOUN
abrj-544	34	3	application	application	NOUN
abrj-544	34	4	of	of	ADP
abrj-544	34	5	financial	financial	ADJ
abrj-544	34	6	inclusion	inclusion	NOUN
abrj-544	34	7	theory	theory	NOUN
abrj-544	34	8	emphasises	emphasise	VERB
abrj-544	34	9	the	the	DET
abrj-544	34	10	importance	importance	NOUN
abrj-544	34	11	of	of	ADP
abrj-544	34	12	accessibility	accessibility	NOUN
abrj-544	34	13	dimensions	dimension	NOUN
abrj-544	34	14	beyond	beyond	ADP
abrj-544	34	15	mere	mere	ADJ
abrj-544	34	16	availability	availability	NOUN
abrj-544	34	17	of	of	ADP
abrj-544	34	18	services	service	NOUN
abrj-544	34	19	.	.	PUNCT
abrj-544	35	1	theoretical	theoretical	ADJ
abrj-544	35	2	frameworks	framework	NOUN
abrj-544	35	3	developed	develop	VERB
abrj-544	35	4	by	by	ADP
abrj-544	35	5	sarma	sarma	PROPN
abrj-544	35	6	(	(	PUNCT
abrj-544	35	7	2008	2008	NUM
abrj-544	35	8	)	)	PUNCT
abrj-544	35	9	and	and	CCONJ
abrj-544	35	10	camara	camara	PROPN
abrj-544	35	11	&	&	CCONJ
abrj-544	35	12	tuesta	tuesta	PROPN
abrj-544	35	13	(	(	PUNCT
abrj-544	35	14	2014	2014	NUM
abrj-544	35	15	)	)	PUNCT
abrj-544	35	16	identify	identify	VERB
abrj-544	35	17	three	three	NUM
abrj-544	35	18	critical	critical	ADJ
abrj-544	35	19	dimensions	dimension	NOUN
abrj-544	35	20	of	of	ADP
abrj-544	35	21	financial	financial	ADJ
abrj-544	35	22	inclusion	inclusion	NOUN
abrj-544	35	23	:	:	PUNCT
abrj-544	35	24	accessibility	accessibility	NOUN
abrj-544	35	25	(	(	PUNCT
abrj-544	35	26	physical	physical	ADJ
abrj-544	35	27	and	and	CCONJ
abrj-544	35	28	institutional	institutional	ADJ
abrj-544	35	29	barriers	barrier	NOUN
abrj-544	35	30	to	to	ADP
abrj-544	35	31	service	service	NOUN
abrj-544	35	32	utilisation	utilisation	NOUN
abrj-544	35	33	)	)	PUNCT
abrj-544	35	34	,	,	PUNCT
abrj-544	35	35	availability	availability	NOUN
abrj-544	35	36	(	(	PUNCT
abrj-544	35	37	supply	supply	NOUN
abrj-544	35	38	-	-	PUNCT
abrj-544	35	39	side	side	NOUN
abrj-544	35	40	factors	factor	NOUN
abrj-544	35	41	determining	determine	VERB
abrj-544	35	42	service	service	NOUN
abrj-544	35	43	provision	provision	NOUN
abrj-544	35	44	)	)	PUNCT
abrj-544	35	45	,	,	PUNCT
abrj-544	35	46	and	and	CCONJ
abrj-544	35	47	usage	usage	NOUN
abrj-544	35	48	(	(	PUNCT
abrj-544	35	49	actual	actual	ADJ
abrj-544	35	50	utilisation	utilisation	NOUN
abrj-544	35	51	patterns	pattern	NOUN
abrj-544	35	52	among	among	ADP
abrj-544	35	53	target	target	NOUN
abrj-544	35	54	populations	population	NOUN
abrj-544	35	55	)	)	PUNCT
abrj-544	35	56	.	.	PUNCT
abrj-544	36	1	the	the	DET
abrj-544	36	2	accessibility	accessibility	NOUN
abrj-544	36	3	dimension	dimension	NOUN
abrj-544	36	4	encompasses	encompass	VERB
abrj-544	36	5	both	both	DET
abrj-544	36	6	geographic	geographic	ADJ
abrj-544	36	7	accessibility	accessibility	NOUN
abrj-544	36	8	,	,	PUNCT
abrj-544	36	9	referring	refer	VERB
abrj-544	36	10	to	to	ADP
abrj-544	36	11	the	the	DET
abrj-544	36	12	physical	physical	ADJ
abrj-544	36	13	proximity	proximity	NOUN
abrj-544	36	14	of	of	ADP
abrj-544	36	15	financial	financial	ADJ
abrj-544	36	16	service	service	NOUN
abrj-544	36	17	points	point	NOUN
abrj-544	36	18	,	,	PUNCT
abrj-544	36	19	and	and	CCONJ
abrj-544	36	20	institutional	institutional	ADJ
abrj-544	36	21	accessibility	accessibility	NOUN
abrj-544	36	22	,	,	PUNCT
abrj-544	36	23	encompassing	encompass	VERB
abrj-544	36	24	the	the	DET
abrj-544	36	25	procedural	procedural	ADJ
abrj-544	36	26	and	and	CCONJ
abrj-544	36	27	cultural	cultural	ADJ
abrj-544	36	28	barriers	barrier	NOUN
abrj-544	36	29	that	that	PRON
abrj-544	36	30	may	may	AUX
abrj-544	36	31	prevent	prevent	VERB
abrj-544	36	32	potential	potential	ADJ
abrj-544	36	33	clients	client	NOUN
abrj-544	36	34	from	from	ADP
abrj-544	36	35	accessing	access	VERB
abrj-544	36	36	services	service	NOUN
abrj-544	36	37	(	(	PUNCT
abrj-544	36	38	allen	allen	PROPN
abrj-544	36	39	et	et	PROPN
abrj-544	36	40	al	al	PROPN
abrj-544	36	41	.	.	PROPN
abrj-544	36	42	,	,	PUNCT
abrj-544	36	43	2016	2016	NUM
abrj-544	36	44	)	)	PUNCT
abrj-544	36	45	.	.	PUNCT
abrj-544	37	1	recent	recent	ADJ
abrj-544	37	2	theoretical	theoretical	ADJ
abrj-544	37	3	developments	development	NOUN
abrj-544	37	4	have	have	AUX
abrj-544	37	5	emphasised	emphasise	VERB
abrj-544	37	6	the	the	DET
abrj-544	37	7	multidimensional	multidimensional	ADJ
abrj-544	37	8	nature	nature	NOUN
abrj-544	37	9	of	of	ADP
abrj-544	37	10	financial	financial	ADJ
abrj-544	37	11	inclusion	inclusion	NOUN
abrj-544	37	12	,	,	PUNCT
abrj-544	37	13	recognising	recognise	VERB
abrj-544	37	14	that	that	SCONJ
abrj-544	37	15	access	access	NOUN
abrj-544	37	16	to	to	ADP
abrj-544	37	17	credit	credit	NOUN
abrj-544	37	18	alone	alone	ADV
abrj-544	37	19	may	may	AUX
abrj-544	37	20	be	be	AUX
abrj-544	37	21	insufficient	insufficient	ADJ
abrj-544	37	22	to	to	PART
abrj-544	37	23	generate	generate	VERB
abrj-544	37	24	sustainable	sustainable	ADJ
abrj-544	37	25	poverty	poverty	NOUN
abrj-544	37	26	reduction	reduction	NOUN
abrj-544	37	27	outcomes	outcome	NOUN
abrj-544	37	28	(	(	PUNCT
abrj-544	37	29	hannig	hannig	PROPN
abrj-544	37	30	&	&	CCONJ
abrj-544	37	31	jansen	jansen	PROPN
abrj-544	37	32	,	,	PUNCT
abrj-544	37	33	2010	2010	NUM
abrj-544	37	34	)	)	PUNCT
abrj-544	37	35	.	.	PUNCT
abrj-544	38	1	the	the	DET
abrj-544	38	2	expanded	expand	VERB
abrj-544	38	3	theoretical	theoretical	ADJ
abrj-544	38	4	framework	framework	NOUN
abrj-544	38	5	incorporates	incorporate	VERB
abrj-544	38	6	complementary	complementary	ADJ
abrj-544	38	7	financial	financial	ADJ
abrj-544	38	8	services	service	NOUN
abrj-544	38	9	including	include	VERB
abrj-544	38	10	savings	saving	NOUN
abrj-544	38	11	,	,	PUNCT
abrj-544	38	12	insurance	insurance	NOUN
abrj-544	38	13	,	,	PUNCT
abrj-544	38	14	and	and	CCONJ
abrj-544	38	15	payment	payment	NOUN
abrj-544	38	16	systems	system	NOUN
abrj-544	38	17	,	,	PUNCT
abrj-544	38	18	arguing	argue	VERB
abrj-544	38	19	that	that	SCONJ
abrj-544	38	20	comprehensive	comprehensive	ADJ
abrj-544	38	21	financial	financial	ADJ
abrj-544	38	22	inclusion	inclusion	NOUN
abrj-544	38	23	requires	require	VERB
abrj-544	38	24	a	a	DET
abrj-544	38	25	holistic	holistic	ADJ
abrj-544	38	26	approach	approach	NOUN
abrj-544	38	27	that	that	PRON
abrj-544	38	28	addresses	address	VERB
abrj-544	38	29	diverse	diverse	ADJ
abrj-544	38	30	household	household	NOUN
abrj-544	38	31	financial	financial	ADJ
abrj-544	38	32	needs	need	NOUN
abrj-544	38	33	(	(	PUNCT
abrj-544	38	34	cull	cull	NOUN
abrj-544	38	35	et	et	PROPN
abrj-544	38	36	al	al	PROPN
abrj-544	38	37	.	.	PROPN
abrj-544	38	38	,	,	PUNCT
abrj-544	38	39	2014	2014	NUM
abrj-544	38	40	)	)	PUNCT
abrj-544	38	41	.	.	PUNCT
abrj-544	39	1	this	this	DET
abrj-544	39	2	perspective	perspective	NOUN
abrj-544	39	3	is	be	AUX
abrj-544	39	4	particularly	particularly	ADV
abrj-544	39	5	relevant	relevant	ADJ
abrj-544	39	6	for	for	ADP
abrj-544	39	7	remote	remote	ADJ
abrj-544	39	8	rural	rural	ADJ
abrj-544	39	9	contexts	context	NOUN
abrj-544	39	10	where	where	SCONJ
abrj-544	39	11	households	household	NOUN
abrj-544	39	12	face	face	VERB
abrj-544	39	13	multiple	multiple	ADJ
abrj-544	39	14	forms	form	NOUN
abrj-544	39	15	of	of	ADP
abrj-544	39	16	financial	financial	ADJ
abrj-544	39	17	exclusion	exclusion	NOUN
abrj-544	39	18	simultaneously	simultaneously	ADV
abrj-544	39	19	.	.	PUNCT
abrj-544	40	1	the	the	DET
abrj-544	40	2	capability	capability	NOUN
abrj-544	40	3	approach	approach	NOUN
abrj-544	40	4	,	,	PUNCT
abrj-544	40	5	as	as	SCONJ
abrj-544	40	6	developed	develop	VERB
abrj-544	40	7	by	by	ADP
abrj-544	40	8	sen	sen	PROPN
abrj-544	40	9	(	(	PUNCT
abrj-544	40	10	1999	1999	NUM
abrj-544	40	11	)	)	PUNCT
abrj-544	40	12	,	,	PUNCT
abrj-544	40	13	provides	provide	VERB
abrj-544	40	14	an	an	DET
abrj-544	40	15	alternative	alternative	ADJ
abrj-544	40	16	theoretical	theoretical	ADJ
abrj-544	40	17	lens	lens	NOUN
abrj-544	40	18	for	for	ADP
abrj-544	40	19	understanding	understand	VERB
abrj-544	40	20	microfinance	microfinance	NOUN
abrj-544	40	21	impact	impact	NOUN
abrj-544	40	22	that	that	PRON
abrj-544	40	23	extends	extend	VERB
abrj-544	40	24	beyond	beyond	ADP
abrj-544	40	25	narrow	narrow	ADJ
abrj-544	40	26	economic	economic	ADJ
abrj-544	40	27	indicators	indicator	NOUN
abrj-544	40	28	to	to	PART
abrj-544	40	29	encompass	encompass	VERB
abrj-544	40	30	broader	broad	ADJ
abrj-544	40	31	dimensions	dimension	NOUN
abrj-544	40	32	of	of	ADP
abrj-544	40	33	human	human	ADJ
abrj-544	40	34	development	development	NOUN
abrj-544	40	35	and	and	CCONJ
abrj-544	40	36	well	well	ADV
abrj-544	40	37	-	-	PUNCT
abrj-544	40	38	being	being	NOUN
abrj-544	40	39	.	.	PUNCT
abrj-544	41	1	this	this	DET
abrj-544	41	2	approach	approach	NOUN
abrj-544	41	3	emphasises	emphasise	VERB
abrj-544	41	4	the	the	DET
abrj-544	41	5	importance	importance	NOUN
abrj-544	41	6	of	of	ADP
abrj-544	41	7	expanding	expand	VERB
abrj-544	41	8	people	people	NOUN
abrj-544	41	9	's	's	PART
abrj-544	41	10	capabilities	capability	NOUN
abrj-544	41	11	and	and	CCONJ
abrj-544	41	12	freedoms	freedom	NOUN
abrj-544	41	13	to	to	PART
abrj-544	41	14	achieve	achieve	VERB
abrj-544	41	15	valued	value	VERB
abrj-544	41	16	outcomes	outcome	NOUN
abrj-544	41	17	,	,	PUNCT
abrj-544	41	18	rather	rather	ADV
abrj-544	41	19	than	than	ADP
abrj-544	41	20	focusing	focus	VERB
abrj-544	41	21	solely	solely	ADV
abrj-544	41	22	on	on	ADP
abrj-544	41	23	income	income	NOUN
abrj-544	41	24	or	or	CCONJ
abrj-544	41	25	consumption	consumption	NOUN
abrj-544	41	26	measures	measure	NOUN
abrj-544	41	27	(	(	PUNCT
abrj-544	41	28	robeyns	robeyns	ADJ
abrj-544	41	29	,	,	PUNCT
abrj-544	41	30	2005	2005	NUM
abrj-544	41	31	)	)	PUNCT
abrj-544	41	32	.	.	PUNCT
abrj-544	42	1	within	within	ADP
abrj-544	42	2	the	the	DET
abrj-544	42	3	microfinance	microfinance	NOUN
abrj-544	42	4	context	context	NOUN
abrj-544	42	5	,	,	PUNCT
abrj-544	42	6	the	the	DET
abrj-544	42	7	capability	capability	NOUN
abrj-544	42	8	approach	approach	NOUN
abrj-544	42	9	suggests	suggest	VERB
abrj-544	42	10	that	that	SCONJ
abrj-544	42	11	access	access	NOUN
abrj-544	42	12	to	to	ADP
abrj-544	42	13	financial	financial	ADJ
abrj-544	42	14	services	service	NOUN
abrj-544	42	15	should	should	AUX
abrj-544	42	16	be	be	AUX
abrj-544	42	17	evaluated	evaluate	VERB
abrj-544	42	18	based	base	VERB
abrj-544	42	19	on	on	ADP
abrj-544	42	20	its	its	PRON
abrj-544	42	21	contribution	contribution	NOUN
abrj-544	42	22	to	to	ADP
abrj-544	42	23	expanding	expand	VERB
abrj-544	42	24	households	household	NOUN
abrj-544	42	25	'	'	PART
abrj-544	42	26	substantive	substantive	ADJ
abrj-544	42	27	freedoms	freedom	NOUN
abrj-544	42	28	and	and	CCONJ
abrj-544	42	29	opportunities	opportunity	NOUN
abrj-544	42	30	for	for	ADP
abrj-544	42	31	selfdetermination	selfdetermination	NOUN
abrj-544	42	32	(	(	PUNCT
abrj-544	42	33	alkire	alkire	ADJ
abrj-544	42	34	,	,	PUNCT
abrj-544	42	35	2005	2005	NUM
abrj-544	42	36	)	)	PUNCT
abrj-544	42	37	.	.	PUNCT
abrj-544	43	1	the	the	DET
abrj-544	43	2	application	application	NOUN
abrj-544	43	3	of	of	ADP
abrj-544	43	4	capability	capability	NOUN
abrj-544	43	5	approach	approach	NOUN
abrj-544	43	6	to	to	ADP
abrj-544	43	7	microfinance	microfinance	NOUN
abrj-544	43	8	research	research	NOUN
abrj-544	43	9	emphasises	emphasise	VERB
abrj-544	43	10	the	the	DET
abrj-544	43	11	importance	importance	NOUN
abrj-544	43	12	of	of	ADP
abrj-544	43	13	examining	examine	VERB
abrj-544	43	14	how	how	SCONJ
abrj-544	43	15	financial	financial	ADJ
abrj-544	43	16	access	access	NOUN
abrj-544	43	17	translates	translate	VERB
abrj-544	43	18	into	into	ADP
abrj-544	43	19	enhanced	enhanced	ADJ
abrj-544	43	20	agency	agency	NOUN
abrj-544	43	21	,	,	PUNCT
abrj-544	43	22	empowerment	empowerment	NOUN
abrj-544	43	23	,	,	PUNCT
abrj-544	43	24	and	and	CCONJ
abrj-544	43	25	choice	choice	NOUN
abrj-544	43	26	expansion	expansion	NOUN
abrj-544	43	27	among	among	ADP
abrj-544	43	28	programme	programme	NOUN
abrj-544	43	29	participants	participant	NOUN
abrj-544	43	30	(	(	PUNCT
abrj-544	43	31	mayoux	mayoux	NOUN
abrj-544	43	32	,	,	PUNCT
abrj-544	43	33	2001	2001	NUM
abrj-544	43	34	)	)	PUNCT
abrj-544	43	35	.	.	PUNCT
abrj-544	44	1	this	this	DET
abrj-544	44	2	theoretical	theoretical	ADJ
abrj-544	44	3	perspective	perspective	NOUN
abrj-544	44	4	recognises	recognise	VERB
abrj-544	44	5	that	that	SCONJ
abrj-544	44	6	poverty	poverty	NOUN
abrj-544	44	7	is	be	AUX
abrj-544	44	8	multidimensional	multidimensional	ADJ
abrj-544	44	9	,	,	PUNCT
abrj-544	44	10	encompassing	encompass	VERB
abrj-544	44	11	not	not	PART
abrj-544	44	12	only	only	ADV
abrj-544	44	13	income	income	NOUN
abrj-544	44	14	deprivation	deprivation	NOUN
abrj-544	44	15	but	but	CCONJ
abrj-544	44	16	also	also	ADV
abrj-544	44	17	limitations	limitation	NOUN
abrj-544	44	18	in	in	ADP
abrj-544	44	19	education	education	NOUN
abrj-544	44	20	,	,	PUNCT
abrj-544	44	21	health	health	NOUN
abrj-544	44	22	,	,	PUNCT
abrj-544	44	23	social	social	ADJ
abrj-544	44	24	participation	participation	NOUN
abrj-544	44	25	,	,	PUNCT
abrj-544	44	26	and	and	CCONJ
abrj-544	44	27	political	political	ADJ
abrj-544	44	28	voice	voice	NOUN
abrj-544	44	29	(	(	PUNCT
abrj-544	44	30	alkire	alkire	NOUN
abrj-544	44	31	&	&	CCONJ
abrj-544	44	32	foster	foster	PROPN
abrj-544	44	33	,	,	PUNCT
abrj-544	44	34	2011	2011	NUM
abrj-544	44	35	)	)	PUNCT
abrj-544	44	36	.	.	PUNCT
abrj-544	45	1	consequently	consequently	ADV
abrj-544	45	2	,	,	PUNCT
abrj-544	45	3	microfinance	microfinance	NOUN
abrj-544	45	4	interventions	intervention	NOUN
abrj-544	45	5	should	should	AUX
abrj-544	45	6	be	be	AUX
abrj-544	45	7	evaluated	evaluate	VERB
abrj-544	45	8	based	base	VERB
abrj-544	45	9	on	on	ADP
abrj-544	45	10	their	their	PRON
abrj-544	45	11	contribution	contribution	NOUN
abrj-544	45	12	to	to	ADP
abrj-544	45	13	expanding	expand	VERB
abrj-544	45	14	multiple	multiple	ADJ
abrj-544	45	15	dimensions	dimension	NOUN
abrj-544	45	16	of	of	ADP
abrj-544	45	17	human	human	ADJ
abrj-544	45	18	capability	capability	NOUN
abrj-544	45	19	rather	rather	ADV
abrj-544	45	20	than	than	ADP
abrj-544	45	21	focusing	focus	VERB
abrj-544	45	22	exclusively	exclusively	ADV
abrj-544	45	23	on	on	ADP
abrj-544	45	24	economic	economic	ADJ
abrj-544	45	25	outcomes	outcome	NOUN
abrj-544	45	26	.	.	PUNCT
abrj-544	46	1	2.1.2	2.1.2	X
abrj-544	46	2	.	.	PUNCT
abrj-544	46	3	institutional	institutional	ADJ
abrj-544	46	4	theory	theory	NOUN
abrj-544	46	5	institutional	institutional	ADJ
abrj-544	46	6	theory	theory	NOUN
abrj-544	46	7	provides	provide	VERB
abrj-544	46	8	a	a	DET
abrj-544	46	9	crucial	crucial	ADJ
abrj-544	46	10	framework	framework	NOUN
abrj-544	46	11	for	for	ADP
abrj-544	46	12	understanding	understand	VERB
abrj-544	46	13	how	how	SCONJ
abrj-544	46	14	the	the	DET
abrj-544	46	15	effectiveness	effectiveness	NOUN
abrj-544	46	16	of	of	ADP
abrj-544	46	17	microfinance	microfinance	NOUN
abrj-544	46	18	interventions	intervention	NOUN
abrj-544	46	19	depends	depend	VERB
abrj-544	46	20	upon	upon	SCONJ
abrj-544	46	21	the	the	DET
abrj-544	46	22	broader	broad	ADJ
abrj-544	46	23	institutional	institutional	ADJ
abrj-544	46	24	environment	environment	NOUN
abrj-544	46	25	within	within	ADP
abrj-544	46	26	which	which	PRON
abrj-544	46	27	they	they	PRON
abrj-544	46	28	operate	operate	VERB
abrj-544	46	29	(	(	PUNCT
abrj-544	46	30	north	north	NOUN
abrj-544	46	31	,	,	PUNCT
abrj-544	46	32	1990	1990	NUM
abrj-544	46	33	)	)	PUNCT
abrj-544	46	34	.	.	PUNCT
abrj-544	47	1	the	the	DET
abrj-544	47	2	theory	theory	NOUN
abrj-544	47	3	distinguishes	distinguish	VERB
abrj-544	47	4	between	between	ADP
abrj-544	47	5	formal	formal	ADJ
abrj-544	47	6	institutions	institution	NOUN
abrj-544	47	7	(	(	PUNCT
abrj-544	47	8	laws	law	NOUN
abrj-544	47	9	,	,	PUNCT
abrj-544	47	10	regulations	regulation	NOUN
abrj-544	47	11	,	,	PUNCT
abrj-544	47	12	policies	policy	NOUN
abrj-544	47	13	)	)	PUNCT
abrj-544	47	14	and	and	CCONJ
abrj-544	47	15	informal	informal	ADJ
abrj-544	47	16	institutions	institution	NOUN
abrj-544	47	17	(	(	PUNCT
abrj-544	47	18	norms	norm	NOUN
abrj-544	47	19	,	,	PUNCT
abrj-544	47	20	customs	custom	NOUN
abrj-544	47	21	,	,	PUNCT
abrj-544	47	22	social	social	ADJ
abrj-544	47	23	conventions	convention	NOUN
abrj-544	47	24	)	)	PUNCT
abrj-544	47	25	that	that	PRON
abrj-544	47	26	shape	shape	VERB
abrj-544	47	27	economic	economic	ADJ
abrj-544	47	28	behaviour	behaviour	NOUN
abrj-544	47	29	and	and	CCONJ
abrj-544	47	30	transaction	transaction	NOUN
abrj-544	47	31	costs	cost	NOUN
abrj-544	47	32	(	(	PUNCT
abrj-544	47	33	williamson	williamson	NOUN
abrj-544	47	34	,	,	PUNCT
abrj-544	47	35	2000	2000	NUM
abrj-544	47	36	)	)	PUNCT
abrj-544	47	37	.	.	PUNCT
abrj-544	48	1	within	within	ADP
abrj-544	48	2	the	the	DET
abrj-544	48	3	microfinance	microfinance	NOUN
abrj-544	48	4	context	context	NOUN
abrj-544	48	5	,	,	PUNCT
abrj-544	48	6	institutional	institutional	ADJ
abrj-544	48	7	theory	theory	NOUN
abrj-544	48	8	suggests	suggest	VERB
abrj-544	48	9	that	that	SCONJ
abrj-544	48	10	programme	programme	NOUN
abrj-544	48	11	effectiveness	effectiveness	NOUN
abrj-544	48	12	depends	depend	VERB
abrj-544	48	13	not	not	PART
abrj-544	48	14	only	only	ADV
abrj-544	48	15	on	on	ADP
abrj-544	48	16	the	the	DET
abrj-544	48	17	design	design	NOUN
abrj-544	48	18	and	and	CCONJ
abrj-544	48	19	implementation	implementation	NOUN
abrj-544	48	20	of	of	ADP
abrj-544	48	21	financial	financial	ADJ
abrj-544	48	22	products	product	NOUN
abrj-544	48	23	but	but	CCONJ
abrj-544	48	24	also	also	ADV
abrj-544	48	25	on	on	ADP
abrj-544	48	26	the	the	DET
abrj-544	48	27	institutional	institutional	ADJ
abrj-544	48	28	environment	environment	NOUN
abrj-544	48	29	that	that	PRON
abrj-544	48	30	supports	support	VERB
abrj-544	48	31	or	or	CCONJ
abrj-544	48	32	constrains	constrain	VERB
abrj-544	48	33	their	their	PRON
abrj-544	48	34	utilisation	utilisation	NOUN
abrj-544	48	35	(	(	PUNCT
abrj-544	48	36	morduch	morduch	ADJ
abrj-544	48	37	,	,	PUNCT
abrj-544	48	38	2000	2000	NUM
abrj-544	48	39	)	)	PUNCT
abrj-544	48	40	.	.	PUNCT
abrj-544	49	1	asian	asian	ADJ
abrj-544	49	2	business	business	PROPN
abrj-544	49	3	research	research	NOUN
abrj-544	49	4	journal	journal	NOUN
abrj-544	49	5	,	,	PUNCT
abrj-544	49	6	2025	2025	NUM
abrj-544	49	7	,	,	PUNCT
abrj-544	49	8	10(8	10(8	NUM
abrj-544	49	9	):	):	PUNCT
abrj-544	49	10	85	85	NUM
abrj-544	49	11	-	-	SYM
abrj-544	49	12	94	94	NUM
abrj-544	49	13	87	87	NUM
abrj-544	49	14	©	©	PROPN
abrj-544	49	15	2025	2025	NUM
abrj-544	49	16	by	by	ADP
abrj-544	49	17	the	the	DET
abrj-544	49	18	author	author	NOUN
abrj-544	49	19	;	;	PUNCT
abrj-544	49	20	licensee	licensee	NOUN
abrj-544	49	21	eastern	eastern	ADJ
abrj-544	49	22	centre	centre	NOUN
abrj-544	49	23	of	of	ADP
abrj-544	49	24	science	science	NOUN
abrj-544	49	25	and	and	CCONJ
abrj-544	49	26	education	education	NOUN
abrj-544	49	27	,	,	PUNCT
abrj-544	49	28	usa	usa	PROPN
abrj-544	49	29	the	the	DET
abrj-544	49	30	institutional	institutional	ADJ
abrj-544	49	31	analysis	analysis	NOUN
abrj-544	49	32	of	of	ADP
abrj-544	49	33	microfinance	microfinance	NOUN
abrj-544	49	34	effectiveness	effectiveness	NOUN
abrj-544	49	35	emphasises	emphasise	VERB
abrj-544	49	36	the	the	DET
abrj-544	49	37	importance	importance	NOUN
abrj-544	49	38	of	of	ADP
abrj-544	49	39	examining	examine	VERB
abrj-544	49	40	how	how	SCONJ
abrj-544	49	41	formal	formal	ADJ
abrj-544	49	42	regulatory	regulatory	ADJ
abrj-544	49	43	frameworks	framework	NOUN
abrj-544	49	44	,	,	PUNCT
abrj-544	49	45	property	property	NOUN
abrj-544	49	46	rights	right	NOUN
abrj-544	49	47	systems	system	NOUN
abrj-544	49	48	,	,	PUNCT
abrj-544	49	49	and	and	CCONJ
abrj-544	49	50	enforcement	enforcement	NOUN
abrj-544	49	51	mechanisms	mechanism	NOUN
abrj-544	49	52	influence	influence	VERB
abrj-544	49	53	the	the	DET
abrj-544	49	54	ability	ability	NOUN
abrj-544	49	55	of	of	ADP
abrj-544	49	56	microfinance	microfinance	NOUN
abrj-544	49	57	institutions	institution	NOUN
abrj-544	49	58	to	to	PART
abrj-544	49	59	operate	operate	VERB
abrj-544	49	60	effectively	effectively	ADV
abrj-544	49	61	and	and	CCONJ
abrj-544	49	62	achieve	achieve	VERB
abrj-544	49	63	their	their	PRON
abrj-544	49	64	poverty	poverty	NOUN
abrj-544	49	65	alleviation	alleviation	NOUN
abrj-544	49	66	objectives	objective	NOUN
abrj-544	49	67	(	(	PUNCT
abrj-544	49	68	cull	cull	NOUN
abrj-544	49	69	et	et	PROPN
abrj-544	49	70	al	al	PROPN
abrj-544	49	71	.	.	PROPN
abrj-544	49	72	,	,	PUNCT
abrj-544	49	73	2009	2009	NUM
abrj-544	49	74	)	)	PUNCT
abrj-544	49	75	.	.	PUNCT
abrj-544	50	1	in	in	ADP
abrj-544	50	2	developing	develop	VERB
abrj-544	50	3	country	country	NOUN
abrj-544	50	4	contexts	contexts	NOUN
abrj-544	50	5	,	,	PUNCT
abrj-544	50	6	weak	weak	ADJ
abrj-544	50	7	institutional	institutional	ADJ
abrj-544	50	8	environments	environment	NOUN
abrj-544	50	9	characterised	characterise	VERB
abrj-544	50	10	by	by	ADP
abrj-544	50	11	limited	limited	ADJ
abrj-544	50	12	rule	rule	NOUN
abrj-544	50	13	of	of	ADP
abrj-544	50	14	law	law	NOUN
abrj-544	50	15	,	,	PUNCT
abrj-544	50	16	corruption	corruption	NOUN
abrj-544	50	17	,	,	PUNCT
abrj-544	50	18	and	and	CCONJ
abrj-544	50	19	inadequate	inadequate	ADJ
abrj-544	50	20	financial	financial	ADJ
abrj-544	50	21	sector	sector	NOUN
abrj-544	50	22	regulation	regulation	NOUN
abrj-544	50	23	may	may	AUX
abrj-544	50	24	constrain	constrain	VERB
abrj-544	50	25	microfinance	microfinance	NOUN
abrj-544	50	26	impact	impact	NOUN
abrj-544	50	27	by	by	ADP
abrj-544	50	28	increasing	increase	VERB
abrj-544	50	29	transaction	transaction	NOUN
abrj-544	50	30	costs	cost	NOUN
abrj-544	50	31	and	and	CCONJ
abrj-544	50	32	reducing	reduce	VERB
abrj-544	50	33	institutional	institutional	ADJ
abrj-544	50	34	sustainability	sustainability	NOUN
abrj-544	50	35	(	(	PUNCT
abrj-544	50	36	hartarska	hartarska	PROPN
abrj-544	50	37	&	&	CCONJ
abrj-544	50	38	nadolnyak	nadolnyak	PROPN
abrj-544	50	39	,	,	PUNCT
abrj-544	50	40	2007	2007	NUM
abrj-544	50	41	)	)	PUNCT
abrj-544	50	42	.	.	PUNCT
abrj-544	51	1	informal	informal	ADJ
abrj-544	51	2	institutional	institutional	ADJ
abrj-544	51	3	factors	factor	NOUN
abrj-544	51	4	,	,	PUNCT
abrj-544	51	5	including	include	VERB
abrj-544	51	6	social	social	ADJ
abrj-544	51	7	norms	norm	NOUN
abrj-544	51	8	,	,	PUNCT
abrj-544	51	9	trust	trust	NOUN
abrj-544	51	10	relationships	relationship	NOUN
abrj-544	51	11	,	,	PUNCT
abrj-544	51	12	and	and	CCONJ
abrj-544	51	13	community	community	NOUN
abrj-544	51	14	-	-	PUNCT
abrj-544	51	15	level	level	NOUN
abrj-544	51	16	governance	governance	NOUN
abrj-544	51	17	structures	structure	NOUN
abrj-544	51	18	,	,	PUNCT
abrj-544	51	19	play	play	VERB
abrj-544	51	20	particularly	particularly	ADV
abrj-544	51	21	important	important	ADJ
abrj-544	51	22	roles	role	NOUN
abrj-544	51	23	in	in	ADP
abrj-544	51	24	determining	determine	VERB
abrj-544	51	25	microfinance	microfinance	NOUN
abrj-544	51	26	effectiveness	effectiveness	NOUN
abrj-544	51	27	within	within	ADP
abrj-544	51	28	rural	rural	ADJ
abrj-544	51	29	contexts	contexts	NOUN
abrj-544	51	30	(	(	PUNCT
abrj-544	51	31	besley	besley	NOUN
abrj-544	51	32	&	&	CCONJ
abrj-544	51	33	coate	coate	NOUN
abrj-544	51	34	,	,	PUNCT
abrj-544	51	35	1995	1995	NUM
abrj-544	51	36	)	)	PUNCT
abrj-544	51	37	.	.	PUNCT
abrj-544	52	1	the	the	DET
abrj-544	52	2	group	group	NOUN
abrj-544	52	3	-	-	PUNCT
abrj-544	52	4	based	base	VERB
abrj-544	52	5	lending	lending	NOUN
abrj-544	52	6	models	model	NOUN
abrj-544	52	7	commonly	commonly	ADV
abrj-544	52	8	employed	employ	VERB
abrj-544	52	9	by	by	ADP
abrj-544	52	10	microfinance	microfinance	NOUN
abrj-544	52	11	institutions	institution	NOUN
abrj-544	52	12	rely	rely	VERB
abrj-544	52	13	heavily	heavily	ADV
abrj-544	52	14	on	on	ADP
abrj-544	52	15	social	social	ADJ
abrj-544	52	16	capital	capital	NOUN
abrj-544	52	17	and	and	CCONJ
abrj-544	52	18	peer	peer	NOUN
abrj-544	52	19	monitoring	monitoring	NOUN
abrj-544	52	20	mechanisms	mechanism	NOUN
abrj-544	52	21	that	that	PRON
abrj-544	52	22	are	be	AUX
abrj-544	52	23	embedded	embed	VERB
abrj-544	52	24	within	within	ADP
abrj-544	52	25	existing	exist	VERB
abrj-544	52	26	community	community	NOUN
abrj-544	52	27	social	social	ADJ
abrj-544	52	28	structures	structure	NOUN
abrj-544	52	29	(	(	PUNCT
abrj-544	52	30	ghatak	ghatak	NOUN
abrj-544	52	31	&	&	CCONJ
abrj-544	52	32	guinnane	guinnane	PROPN
abrj-544	52	33	,	,	PUNCT
abrj-544	52	34	1999	1999	NUM
abrj-544	52	35	)	)	PUNCT
abrj-544	52	36	.	.	PUNCT
abrj-544	53	1	the	the	DET
abrj-544	53	2	effectiveness	effectiveness	NOUN
abrj-544	53	3	of	of	ADP
abrj-544	53	4	these	these	DET
abrj-544	53	5	mechanisms	mechanism	NOUN
abrj-544	53	6	depends	depend	VERB
abrj-544	53	7	upon	upon	SCONJ
abrj-544	53	8	the	the	DET
abrj-544	53	9	strength	strength	NOUN
abrj-544	53	10	of	of	ADP
abrj-544	53	11	social	social	ADJ
abrj-544	53	12	cohesion	cohesion	NOUN
abrj-544	53	13	,	,	PUNCT
abrj-544	53	14	the	the	DET
abrj-544	53	15	prevalence	prevalence	NOUN
abrj-544	53	16	of	of	ADP
abrj-544	53	17	trust	trust	NOUN
abrj-544	53	18	relationships	relationship	NOUN
abrj-544	53	19	,	,	PUNCT
abrj-544	53	20	and	and	CCONJ
abrj-544	53	21	the	the	DET
abrj-544	53	22	existence	existence	NOUN
abrj-544	53	23	of	of	ADP
abrj-544	53	24	effective	effective	ADJ
abrj-544	53	25	informal	informal	ADJ
abrj-544	53	26	enforcement	enforcement	NOUN
abrj-544	53	27	mechanisms	mechanism	NOUN
abrj-544	53	28	within	within	ADP
abrj-544	53	29	target	target	NOUN
abrj-544	53	30	communities	community	NOUN
abrj-544	53	31	(	(	PUNCT
abrj-544	53	32	karlan	karlan	NOUN
abrj-544	53	33	,	,	PUNCT
abrj-544	53	34	2007	2007	NUM
abrj-544	53	35	)	)	PUNCT
abrj-544	53	36	.	.	PUNCT
abrj-544	54	1	2.2	2.2	NUM
abrj-544	54	2	.	.	PUNCT
abrj-544	54	3	review	review	NOUN
abrj-544	54	4	of	of	ADP
abrj-544	54	5	empirical	empirical	ADJ
abrj-544	54	6	and	and	CCONJ
abrj-544	54	7	relevant	relevant	ADJ
abrj-544	54	8	studies	study	NOUN
abrj-544	54	9	2.2.1	2.2.1	NUM
abrj-544	54	10	.	.	PUNCT
abrj-544	54	11	microfinance	microfinance	NOUN
abrj-544	54	12	accessibility	accessibility	NOUN
abrj-544	54	13	and	and	CCONJ
abrj-544	54	14	financial	financial	ADJ
abrj-544	54	15	inclusion	inclusion	NOUN
abrj-544	54	16	the	the	DET
abrj-544	54	17	empirical	empirical	ADJ
abrj-544	54	18	literature	literature	NOUN
abrj-544	54	19	examining	examine	VERB
abrj-544	54	20	microfinance	microfinance	NOUN
abrj-544	54	21	accessibility	accessibility	NOUN
abrj-544	54	22	has	have	AUX
abrj-544	54	23	consistently	consistently	ADV
abrj-544	54	24	identified	identify	VERB
abrj-544	54	25	geographic	geographic	ADJ
abrj-544	54	26	and	and	CCONJ
abrj-544	54	27	institutional	institutional	ADJ
abrj-544	54	28	barriers	barrier	NOUN
abrj-544	54	29	as	as	ADP
abrj-544	54	30	primary	primary	ADJ
abrj-544	54	31	constraints	constraint	NOUN
abrj-544	54	32	limiting	limit	VERB
abrj-544	54	33	programme	programme	NOUN
abrj-544	54	34	effectiveness	effectiveness	NOUN
abrj-544	54	35	in	in	ADP
abrj-544	54	36	remote	remote	ADJ
abrj-544	54	37	rural	rural	ADJ
abrj-544	54	38	contexts	contexts	NOUN
abrj-544	54	39	(	(	PUNCT
abrj-544	54	40	khandker	khandker	NOUN
abrj-544	54	41	,	,	PUNCT
abrj-544	54	42	2005	2005	NUM
abrj-544	54	43	)	)	PUNCT
abrj-544	54	44	.	.	PUNCT
abrj-544	55	1	geographic	geographic	ADJ
abrj-544	55	2	accessibility	accessibility	NOUN
abrj-544	55	3	challenges	challenge	NOUN
abrj-544	55	4	include	include	VERB
abrj-544	55	5	the	the	DET
abrj-544	55	6	physical	physical	ADJ
abrj-544	55	7	distance	distance	NOUN
abrj-544	55	8	between	between	ADP
abrj-544	55	9	financial	financial	ADJ
abrj-544	55	10	service	service	NOUN
abrj-544	55	11	points	point	NOUN
abrj-544	55	12	and	and	CCONJ
abrj-544	55	13	target	target	NOUN
abrj-544	55	14	populations	population	NOUN
abrj-544	55	15	,	,	PUNCT
abrj-544	55	16	inadequate	inadequate	ADJ
abrj-544	55	17	transportation	transportation	NOUN
abrj-544	55	18	infrastructure	infrastructure	NOUN
abrj-544	55	19	,	,	PUNCT
abrj-544	55	20	and	and	CCONJ
abrj-544	55	21	the	the	DET
abrj-544	55	22	high	high	ADJ
abrj-544	55	23	transaction	transaction	NOUN
abrj-544	55	24	costs	cost	NOUN
abrj-544	55	25	associated	associate	VERB
abrj-544	55	26	with	with	ADP
abrj-544	55	27	service	service	NOUN
abrj-544	55	28	delivery	delivery	NOUN
abrj-544	55	29	in	in	ADP
abrj-544	55	30	remote	remote	ADJ
abrj-544	55	31	areas	area	NOUN
abrj-544	55	32	(	(	PUNCT
abrj-544	55	33	beck	beck	PROPN
abrj-544	55	34	et	et	PROPN
abrj-544	55	35	al	al	PROPN
abrj-544	55	36	.	.	PROPN
abrj-544	55	37	,	,	PUNCT
abrj-544	55	38	2008	2008	NUM
abrj-544	55	39	)	)	PUNCT
abrj-544	55	40	.	.	PUNCT
abrj-544	56	1	institutional	institutional	ADJ
abrj-544	56	2	accessibility	accessibility	NOUN
abrj-544	56	3	barriers	barrier	NOUN
abrj-544	56	4	encompass	encompass	VERB
abrj-544	56	5	complex	complex	ADJ
abrj-544	56	6	application	application	NOUN
abrj-544	56	7	procedures	procedure	NOUN
abrj-544	56	8	,	,	PUNCT
abrj-544	56	9	inappropriate	inappropriate	ADJ
abrj-544	56	10	collateral	collateral	ADJ
abrj-544	56	11	requirements	requirement	NOUN
abrj-544	56	12	,	,	PUNCT
abrj-544	56	13	and	and	CCONJ
abrj-544	56	14	cultural	cultural	ADJ
abrj-544	56	15	or	or	CCONJ
abrj-544	56	16	linguistic	linguistic	ADJ
abrj-544	56	17	barriers	barrier	NOUN
abrj-544	56	18	that	that	PRON
abrj-544	56	19	may	may	AUX
abrj-544	56	20	prevent	prevent	VERB
abrj-544	56	21	potential	potential	ADJ
abrj-544	56	22	clients	client	NOUN
abrj-544	56	23	from	from	ADP
abrj-544	56	24	accessing	access	VERB
abrj-544	56	25	services	service	NOUN
abrj-544	56	26	(	(	PUNCT
abrj-544	56	27	demirguc	demirguc	PROPN
abrj-544	56	28	-	-	PUNCT
abrj-544	56	29	kunt	kunt	PROPN
abrj-544	56	30	et	et	PROPN
abrj-544	56	31	al	al	PROPN
abrj-544	56	32	.	.	PROPN
abrj-544	56	33	,	,	PUNCT
abrj-544	56	34	2008	2008	NUM
abrj-544	56	35	)	)	PUNCT
abrj-544	56	36	.	.	PUNCT
abrj-544	57	1	recent	recent	ADJ
abrj-544	57	2	empirical	empirical	ADJ
abrj-544	57	3	studies	study	NOUN
abrj-544	57	4	have	have	AUX
abrj-544	57	5	employed	employ	VERB
abrj-544	57	6	sophisticated	sophisticated	ADJ
abrj-544	57	7	methodological	methodological	ADJ
abrj-544	57	8	approaches	approach	NOUN
abrj-544	57	9	to	to	PART
abrj-544	57	10	examine	examine	VERB
abrj-544	57	11	the	the	DET
abrj-544	57	12	causal	causal	ADJ
abrj-544	57	13	impact	impact	NOUN
abrj-544	57	14	of	of	ADP
abrj-544	57	15	improved	improved	ADJ
abrj-544	57	16	microfinance	microfinance	NOUN
abrj-544	57	17	accessibility	accessibility	NOUN
abrj-544	57	18	on	on	ADP
abrj-544	57	19	household	household	NOUN
abrj-544	57	20	welfare	welfare	NOUN
abrj-544	57	21	outcomes	outcome	NOUN
abrj-544	57	22	.	.	PUNCT
abrj-544	58	1	randomised	randomise	VERB
abrj-544	58	2	controlled	control	VERB
abrj-544	58	3	trials	trial	NOUN
abrj-544	58	4	conducted	conduct	VERB
abrj-544	58	5	by	by	ADP
abrj-544	58	6	banerjee	banerjee	PROPN
abrj-544	58	7	et	et	PROPN
abrj-544	58	8	al	al	PROPN
abrj-544	58	9	.	.	PROPN
abrj-544	59	1	(	(	PUNCT
abrj-544	59	2	2015	2015	NUM
abrj-544	59	3	)	)	PUNCT
abrj-544	59	4	in	in	ADP
abrj-544	59	5	six	six	NUM
abrj-544	59	6	countries	country	NOUN
abrj-544	59	7	,	,	PUNCT
abrj-544	59	8	including	include	VERB
abrj-544	59	9	rural	rural	ADJ
abrj-544	59	10	areas	area	NOUN
abrj-544	59	11	of	of	ADP
abrj-544	59	12	india	india	PROPN
abrj-544	59	13	,	,	PUNCT
abrj-544	59	14	ethiopia	ethiopia	PROPN
abrj-544	59	15	,	,	PUNCT
abrj-544	59	16	and	and	CCONJ
abrj-544	59	17	morocco	morocco	PROPN
abrj-544	59	18	,	,	PUNCT
abrj-544	59	19	found	find	VERB
abrj-544	59	20	mixed	mixed	ADJ
abrj-544	59	21	evidence	evidence	NOUN
abrj-544	59	22	regarding	regard	VERB
abrj-544	59	23	microfinance	microfinance	NOUN
abrj-544	59	24	impact	impact	NOUN
abrj-544	59	25	,	,	PUNCT
abrj-544	59	26	with	with	ADP
abrj-544	59	27	some	some	DET
abrj-544	59	28	studies	study	NOUN
abrj-544	59	29	showing	show	VERB
abrj-544	59	30	positive	positive	ADJ
abrj-544	59	31	effects	effect	NOUN
abrj-544	59	32	on	on	ADP
abrj-544	59	33	business	business	NOUN
abrj-544	59	34	investment	investment	NOUN
abrj-544	59	35	and	and	CCONJ
abrj-544	59	36	women	woman	NOUN
abrj-544	59	37	's	's	PART
abrj-544	59	38	empowerment	empowerment	NOUN
abrj-544	59	39	while	while	SCONJ
abrj-544	59	40	others	other	NOUN
abrj-544	59	41	revealed	reveal	VERB
abrj-544	59	42	limited	limited	ADJ
abrj-544	59	43	impact	impact	NOUN
abrj-544	59	44	on	on	ADP
abrj-544	59	45	consumption	consumption	NOUN
abrj-544	59	46	or	or	CCONJ
abrj-544	59	47	poverty	poverty	NOUN
abrj-544	59	48	reduction	reduction	NOUN
abrj-544	59	49	.	.	PUNCT
abrj-544	60	1	the	the	DET
abrj-544	60	2	heterogeneity	heterogeneity	NOUN
abrj-544	60	3	of	of	ADP
abrj-544	60	4	results	result	NOUN
abrj-544	60	5	across	across	ADP
abrj-544	60	6	contexts	contexts	PROPN
abrj-544	60	7	suggests	suggest	VERB
abrj-544	60	8	that	that	SCONJ
abrj-544	60	9	local	local	ADJ
abrj-544	60	10	institutional	institutional	ADJ
abrj-544	60	11	and	and	CCONJ
abrj-544	60	12	social	social	ADJ
abrj-544	60	13	factors	factor	NOUN
abrj-544	60	14	may	may	AUX
abrj-544	60	15	play	play	VERB
abrj-544	60	16	crucial	crucial	ADJ
abrj-544	60	17	roles	role	NOUN
abrj-544	60	18	in	in	ADP
abrj-544	60	19	determining	determine	VERB
abrj-544	60	20	programme	programme	NOUN
abrj-544	60	21	effectiveness	effectiveness	NOUN
abrj-544	60	22	.	.	PUNCT
abrj-544	61	1	the	the	DET
abrj-544	61	2	measurement	measurement	NOUN
abrj-544	61	3	of	of	ADP
abrj-544	61	4	microfinance	microfinance	NOUN
abrj-544	61	5	accessibility	accessibility	NOUN
abrj-544	61	6	has	have	AUX
abrj-544	61	7	evolved	evolve	VERB
abrj-544	61	8	from	from	ADP
abrj-544	61	9	simple	simple	ADJ
abrj-544	61	10	binary	binary	ADJ
abrj-544	61	11	indicators	indicator	NOUN
abrj-544	61	12	(	(	PUNCT
abrj-544	61	13	access	access	NOUN
abrj-544	61	14	/	/	SYM
abrj-544	61	15	no	no	DET
abrj-544	61	16	access	access	NOUN
abrj-544	61	17	)	)	PUNCT
abrj-544	61	18	to	to	ADP
abrj-544	61	19	more	more	ADV
abrj-544	61	20	sophisticated	sophisticated	ADJ
abrj-544	61	21	multidimensional	multidimensional	ADJ
abrj-544	61	22	indices	index	NOUN
abrj-544	61	23	that	that	PRON
abrj-544	61	24	capture	capture	VERB
abrj-544	61	25	various	various	ADJ
abrj-544	61	26	dimensions	dimension	NOUN
abrj-544	61	27	of	of	ADP
abrj-544	61	28	financial	financial	ADJ
abrj-544	61	29	inclusion	inclusion	NOUN
abrj-544	61	30	(	(	PUNCT
abrj-544	61	31	sarma	sarma	PROPN
abrj-544	61	32	,	,	PUNCT
abrj-544	61	33	2008	2008	NUM
abrj-544	61	34	)	)	PUNCT
abrj-544	61	35	.	.	PUNCT
abrj-544	62	1	empirical	empirical	ADJ
abrj-544	62	2	studies	study	NOUN
abrj-544	62	3	have	have	AUX
abrj-544	62	4	employed	employ	VERB
abrj-544	62	5	different	different	ADJ
abrj-544	62	6	operationalisation	operationalisation	NOUN
abrj-544	62	7	strategies	strategy	NOUN
abrj-544	62	8	,	,	PUNCT
abrj-544	62	9	including	include	VERB
abrj-544	62	10	distance	distance	NOUN
abrj-544	62	11	-	-	PUNCT
abrj-544	62	12	based	base	VERB
abrj-544	62	13	measures	measure	NOUN
abrj-544	62	14	(	(	PUNCT
abrj-544	62	15	proximity	proximity	NOUN
abrj-544	62	16	to	to	ADP
abrj-544	62	17	financial	financial	ADJ
abrj-544	62	18	service	service	NOUN
abrj-544	62	19	points	point	NOUN
abrj-544	62	20	)	)	PUNCT
abrj-544	62	21	,	,	PUNCT
abrj-544	62	22	availability	availability	NOUN
abrj-544	62	23	-	-	PUNCT
abrj-544	62	24	based	base	VERB
abrj-544	62	25	measures	measure	NOUN
abrj-544	62	26	(	(	PUNCT
abrj-544	62	27	number	number	NOUN
abrj-544	62	28	of	of	ADP
abrj-544	62	29	service	service	NOUN
abrj-544	62	30	points	point	NOUN
abrj-544	62	31	per	per	ADP
abrj-544	62	32	capita	capita	NOUN
abrj-544	62	33	)	)	PUNCT
abrj-544	62	34	,	,	PUNCT
abrj-544	62	35	and	and	CCONJ
abrj-544	62	36	usagebased	usagebased	ADJ
abrj-544	62	37	measures	measure	NOUN
abrj-544	62	38	(	(	PUNCT
abrj-544	62	39	actual	actual	ADJ
abrj-544	62	40	utilisation	utilisation	NOUN
abrj-544	62	41	rates	rate	NOUN
abrj-544	62	42	among	among	ADP
abrj-544	62	43	target	target	NOUN
abrj-544	62	44	populations	population	NOUN
abrj-544	62	45	)	)	PUNCT
abrj-544	62	46	.	.	PUNCT
abrj-544	63	1	the	the	DET
abrj-544	63	2	choice	choice	NOUN
abrj-544	63	3	of	of	ADP
abrj-544	63	4	measurement	measurement	NOUN
abrj-544	63	5	approach	approach	NOUN
abrj-544	63	6	has	have	VERB
abrj-544	63	7	significant	significant	ADJ
abrj-544	63	8	implications	implication	NOUN
abrj-544	63	9	for	for	ADP
abrj-544	63	10	research	research	NOUN
abrj-544	63	11	findings	finding	NOUN
abrj-544	63	12	,	,	PUNCT
abrj-544	63	13	with	with	ADP
abrj-544	63	14	studies	study	NOUN
abrj-544	63	15	using	use	VERB
abrj-544	63	16	different	different	ADJ
abrj-544	63	17	operationalisation	operationalisation	NOUN
abrj-544	63	18	strategies	strategy	NOUN
abrj-544	63	19	often	often	ADV
abrj-544	63	20	reaching	reach	VERB
abrj-544	63	21	divergent	divergent	ADJ
abrj-544	63	22	conclusions	conclusion	NOUN
abrj-544	63	23	regarding	regard	VERB
abrj-544	63	24	microfinance	microfinance	NOUN
abrj-544	63	25	effectiveness	effectiveness	NOUN
abrj-544	63	26	.	.	PUNCT
abrj-544	64	1	2.2.2	2.2.2	X
abrj-544	64	2	.	.	PUNCT
abrj-544	64	3	financial	financial	ADJ
abrj-544	64	4	capability	capability	NOUN
abrj-544	64	5	and	and	CCONJ
abrj-544	64	6	household	household	NOUN
abrj-544	64	7	welfare	welfare	NOUN
abrj-544	64	8	the	the	DET
abrj-544	64	9	concept	concept	NOUN
abrj-544	64	10	of	of	ADP
abrj-544	64	11	financial	financial	ADJ
abrj-544	64	12	capability	capability	NOUN
abrj-544	64	13	has	have	AUX
abrj-544	64	14	emerged	emerge	VERB
abrj-544	64	15	as	as	ADP
abrj-544	64	16	a	a	DET
abrj-544	64	17	critical	critical	ADJ
abrj-544	64	18	mediating	mediating	NOUN
abrj-544	64	19	factor	factor	NOUN
abrj-544	64	20	linking	link	VERB
abrj-544	64	21	microfinance	microfinance	NOUN
abrj-544	64	22	access	access	NOUN
abrj-544	64	23	to	to	ADP
abrj-544	64	24	household	household	NOUN
abrj-544	64	25	welfare	welfare	NOUN
abrj-544	64	26	outcomes	outcome	NOUN
abrj-544	64	27	(	(	PUNCT
abrj-544	64	28	schreiner	schreiner	NOUN
abrj-544	64	29	,	,	PUNCT
abrj-544	64	30	2001	2001	NUM
abrj-544	64	31	)	)	PUNCT
abrj-544	64	32	.	.	PUNCT
abrj-544	65	1	financial	financial	ADJ
abrj-544	65	2	capability	capability	NOUN
abrj-544	65	3	encompasses	encompass	VERB
abrj-544	65	4	both	both	CCONJ
abrj-544	65	5	the	the	DET
abrj-544	65	6	ability	ability	NOUN
abrj-544	65	7	to	to	PART
abrj-544	65	8	access	access	VERB
abrj-544	65	9	financial	financial	ADJ
abrj-544	65	10	services	service	NOUN
abrj-544	65	11	and	and	CCONJ
abrj-544	65	12	the	the	DET
abrj-544	65	13	knowledge	knowledge	NOUN
abrj-544	65	14	and	and	CCONJ
abrj-544	65	15	skills	skill	NOUN
abrj-544	65	16	necessary	necessary	ADJ
abrj-544	65	17	to	to	PART
abrj-544	65	18	use	use	VERB
abrj-544	65	19	these	these	DET
abrj-544	65	20	services	service	NOUN
abrj-544	65	21	effectively	effectively	ADV
abrj-544	65	22	(	(	PUNCT
abrj-544	65	23	lusardi	lusardi	PROPN
abrj-544	65	24	&	&	CCONJ
abrj-544	65	25	mitchell	mitchell	PROPN
abrj-544	65	26	,	,	PUNCT
abrj-544	65	27	2014	2014	NUM
abrj-544	65	28	)	)	PUNCT
abrj-544	65	29	.	.	PUNCT
abrj-544	66	1	empirical	empirical	ADJ
abrj-544	66	2	studies	study	NOUN
abrj-544	66	3	have	have	AUX
abrj-544	66	4	consistently	consistently	ADV
abrj-544	66	5	demonstrated	demonstrate	VERB
abrj-544	66	6	that	that	SCONJ
abrj-544	66	7	financial	financial	ADJ
abrj-544	66	8	literacy	literacy	NOUN
abrj-544	66	9	levels	level	NOUN
abrj-544	66	10	among	among	ADP
abrj-544	66	11	microfinance	microfinance	NOUN
abrj-544	66	12	clients	client	NOUN
abrj-544	66	13	are	be	AUX
abrj-544	66	14	often	often	ADV
abrj-544	66	15	inadequate	inadequate	ADJ
abrj-544	66	16	,	,	PUNCT
abrj-544	66	17	limiting	limit	VERB
abrj-544	66	18	their	their	PRON
abrj-544	66	19	ability	ability	NOUN
abrj-544	66	20	to	to	PART
abrj-544	66	21	make	make	VERB
abrj-544	66	22	optimal	optimal	ADJ
abrj-544	66	23	financial	financial	ADJ
abrj-544	66	24	decisions	decision	NOUN
abrj-544	66	25	and	and	CCONJ
abrj-544	66	26	potentially	potentially	ADV
abrj-544	66	27	exposing	expose	VERB
abrj-544	66	28	them	they	PRON
abrj-544	66	29	to	to	PART
abrj-544	66	30	overindebtedness	overindebtedness	VERB
abrj-544	66	31	risks	risk	NOUN
abrj-544	66	32	(	(	PUNCT
abrj-544	66	33	fernandes	fernande	NOUN
abrj-544	66	34	et	et	PROPN
abrj-544	66	35	al	al	PROPN
abrj-544	66	36	.	.	PROPN
abrj-544	66	37	,	,	PUNCT
abrj-544	66	38	2014	2014	NUM
abrj-544	66	39	)	)	PUNCT
abrj-544	66	40	.	.	PUNCT
abrj-544	67	1	recent	recent	ADJ
abrj-544	67	2	empirical	empirical	ADJ
abrj-544	67	3	research	research	NOUN
abrj-544	67	4	has	have	AUX
abrj-544	67	5	examined	examine	VERB
abrj-544	67	6	the	the	DET
abrj-544	67	7	relationship	relationship	NOUN
abrj-544	67	8	between	between	ADP
abrj-544	67	9	financial	financial	ADJ
abrj-544	67	10	capability	capability	NOUN
abrj-544	67	11	development	development	NOUN
abrj-544	67	12	and	and	CCONJ
abrj-544	67	13	microfinance	microfinance	NOUN
abrj-544	67	14	impact	impact	NOUN
abrj-544	67	15	through	through	ADP
abrj-544	67	16	various	various	ADJ
abrj-544	67	17	methodological	methodological	ADJ
abrj-544	67	18	approaches	approach	NOUN
abrj-544	67	19	.	.	PUNCT
abrj-544	68	1	carpena	carpena	PROPN
abrj-544	68	2	et	et	PROPN
abrj-544	68	3	al	al	PROPN
abrj-544	68	4	.	.	PROPN
abrj-544	69	1	(	(	PUNCT
abrj-544	69	2	2011	2011	NUM
abrj-544	69	3	)	)	PUNCT
abrj-544	69	4	conducted	conduct	VERB
abrj-544	69	5	a	a	DET
abrj-544	69	6	randomised	randomised	ADJ
abrj-544	69	7	experiment	experiment	NOUN
abrj-544	69	8	in	in	ADP
abrj-544	69	9	india	india	PROPN
abrj-544	69	10	examining	examine	VERB
abrj-544	69	11	the	the	DET
abrj-544	69	12	impact	impact	NOUN
abrj-544	69	13	of	of	ADP
abrj-544	69	14	financial	financial	ADJ
abrj-544	69	15	literacy	literacy	NOUN
abrj-544	69	16	training	training	NOUN
abrj-544	69	17	on	on	ADP
abrj-544	69	18	microfinance	microfinance	NOUN
abrj-544	69	19	utilisation	utilisation	NOUN
abrj-544	69	20	and	and	CCONJ
abrj-544	69	21	household	household	NOUN
abrj-544	69	22	welfare	welfare	NOUN
abrj-544	69	23	outcomes	outcome	NOUN
abrj-544	69	24	.	.	PUNCT
abrj-544	70	1	the	the	DET
abrj-544	70	2	study	study	NOUN
abrj-544	70	3	found	find	VERB
abrj-544	70	4	that	that	SCONJ
abrj-544	70	5	financial	financial	ADJ
abrj-544	70	6	literacy	literacy	NOUN
abrj-544	70	7	training	training	NOUN
abrj-544	70	8	significantly	significantly	ADV
abrj-544	70	9	improved	improve	VERB
abrj-544	70	10	participants	participant	NOUN
abrj-544	70	11	'	'	PART
abrj-544	70	12	financial	financial	ADJ
abrj-544	70	13	knowledge	knowledge	NOUN
abrj-544	70	14	and	and	CCONJ
abrj-544	70	15	led	lead	VERB
abrj-544	70	16	to	to	ADP
abrj-544	70	17	increased	increase	VERB
abrj-544	70	18	savings	saving	NOUN
abrj-544	70	19	behaviour	behaviour	NOUN
abrj-544	70	20	,	,	PUNCT
abrj-544	70	21	though	though	SCONJ
abrj-544	70	22	the	the	DET
abrj-544	70	23	effects	effect	NOUN
abrj-544	70	24	on	on	ADP
abrj-544	70	25	borrowing	borrow	VERB
abrj-544	70	26	behaviour	behaviour	NOUN
abrj-544	70	27	and	and	CCONJ
abrj-544	70	28	business	business	NOUN
abrj-544	70	29	outcomes	outcome	NOUN
abrj-544	70	30	were	be	AUX
abrj-544	70	31	more	more	ADV
abrj-544	70	32	limited	limited	ADJ
abrj-544	70	33	.	.	PUNCT
abrj-544	71	1	the	the	DET
abrj-544	71	2	measurement	measurement	NOUN
abrj-544	71	3	of	of	ADP
abrj-544	71	4	financial	financial	ADJ
abrj-544	71	5	capability	capability	NOUN
abrj-544	71	6	has	have	AUX
abrj-544	71	7	proven	prove	VERB
abrj-544	71	8	challenging	challenge	VERB
abrj-544	71	9	,	,	PUNCT
abrj-544	71	10	with	with	ADP
abrj-544	71	11	researchers	researcher	NOUN
abrj-544	71	12	employing	employ	VERB
abrj-544	71	13	diverse	diverse	ADJ
abrj-544	71	14	approaches	approach	NOUN
abrj-544	71	15	including	include	VERB
abrj-544	71	16	objective	objective	ADJ
abrj-544	71	17	knowledge	knowledge	NOUN
abrj-544	71	18	tests	test	NOUN
abrj-544	71	19	,	,	PUNCT
abrj-544	71	20	self	self	NOUN
abrj-544	71	21	-	-	PUNCT
abrj-544	71	22	reported	report	VERB
abrj-544	71	23	confidence	confidence	NOUN
abrj-544	71	24	measures	measure	NOUN
abrj-544	71	25	,	,	PUNCT
abrj-544	71	26	and	and	CCONJ
abrj-544	71	27	behavioural	behavioural	ADJ
abrj-544	71	28	indicators	indicator	NOUN
abrj-544	71	29	of	of	ADP
abrj-544	71	30	financial	financial	ADJ
abrj-544	71	31	decision	decision	NOUN
abrj-544	71	32	-	-	PUNCT
abrj-544	71	33	making	make	VERB
abrj-544	71	34	quality	quality	NOUN
abrj-544	71	35	(	(	PUNCT
abrj-544	71	36	lusardi	lusardi	PROPN
abrj-544	71	37	&	&	CCONJ
abrj-544	71	38	mitchell	mitchell	PROPN
abrj-544	71	39	,	,	PUNCT
abrj-544	71	40	2011	2011	NUM
abrj-544	71	41	)	)	PUNCT
abrj-544	71	42	.	.	PUNCT
abrj-544	72	1	cross	cross	ADJ
abrj-544	72	2	-	-	ADJ
abrj-544	72	3	cultural	cultural	ADJ
abrj-544	72	4	validation	validation	NOUN
abrj-544	72	5	of	of	ADP
abrj-544	72	6	financial	financial	ADJ
abrj-544	72	7	capability	capability	NOUN
abrj-544	72	8	measures	measure	NOUN
abrj-544	72	9	has	have	AUX
abrj-544	72	10	revealed	reveal	VERB
abrj-544	72	11	significant	significant	ADJ
abrj-544	72	12	variation	variation	NOUN
abrj-544	72	13	across	across	ADP
abrj-544	72	14	different	different	ADJ
abrj-544	72	15	cultural	cultural	ADJ
abrj-544	72	16	and	and	CCONJ
abrj-544	72	17	linguistic	linguistic	ADJ
abrj-544	72	18	contexts	contexts	NOUN
abrj-544	72	19	,	,	PUNCT
abrj-544	72	20	suggesting	suggest	VERB
abrj-544	72	21	that	that	SCONJ
abrj-544	72	22	standardised	standardised	ADJ
abrj-544	72	23	measurement	measurement	NOUN
abrj-544	72	24	instruments	instrument	NOUN
abrj-544	72	25	may	may	AUX
abrj-544	72	26	not	not	PART
abrj-544	72	27	be	be	AUX
abrj-544	72	28	appropriate	appropriate	ADJ
abrj-544	72	29	for	for	ADP
abrj-544	72	30	all	all	DET
abrj-544	72	31	populations	population	NOUN
abrj-544	72	32	(	(	PUNCT
abrj-544	72	33	atkinson	atkinson	PROPN
abrj-544	72	34	&	&	CCONJ
abrj-544	72	35	messy	messy	PROPN
abrj-544	72	36	,	,	PUNCT
abrj-544	72	37	2012	2012	NUM
abrj-544	72	38	)	)	PUNCT
abrj-544	72	39	.	.	PUNCT
abrj-544	73	1	2.2.3	2.2.3	X
abrj-544	73	2	.	.	PUNCT
abrj-544	73	3	social	social	ADJ
abrj-544	73	4	capital	capital	NOUN
abrj-544	73	5	and	and	CCONJ
abrj-544	73	6	poverty	poverty	NOUN
abrj-544	73	7	reduction	reduction	NOUN
abrj-544	73	8	social	social	ADJ
abrj-544	73	9	capital	capital	NOUN
abrj-544	73	10	theory	theory	NOUN
abrj-544	73	11	has	have	AUX
abrj-544	73	12	provided	provide	VERB
abrj-544	73	13	an	an	DET
abrj-544	73	14	important	important	ADJ
abrj-544	73	15	framework	framework	NOUN
abrj-544	73	16	for	for	ADP
abrj-544	73	17	understanding	understand	VERB
abrj-544	73	18	the	the	DET
abrj-544	73	19	mechanisms	mechanism	NOUN
abrj-544	73	20	through	through	ADP
abrj-544	73	21	which	which	PRON
abrj-544	73	22	microfinance	microfinance	NOUN
abrj-544	73	23	interventions	intervention	NOUN
abrj-544	73	24	may	may	AUX
abrj-544	73	25	contribute	contribute	VERB
abrj-544	73	26	to	to	ADP
abrj-544	73	27	poverty	poverty	NOUN
abrj-544	73	28	reduction	reduction	NOUN
abrj-544	73	29	outcomes	outcome	NOUN
abrj-544	73	30	(	(	PUNCT
abrj-544	73	31	coleman	coleman	NOUN
abrj-544	73	32	,	,	PUNCT
abrj-544	73	33	1988	1988	NUM
abrj-544	73	34	)	)	PUNCT
abrj-544	73	35	.	.	PUNCT
abrj-544	74	1	the	the	DET
abrj-544	74	2	theory	theory	NOUN
abrj-544	74	3	posits	posit	NOUN
abrj-544	74	4	that	that	SCONJ
abrj-544	74	5	social	social	ADJ
abrj-544	74	6	networks	network	NOUN
abrj-544	74	7	,	,	PUNCT
abrj-544	74	8	trust	trust	NOUN
abrj-544	74	9	relationships	relationship	NOUN
abrj-544	74	10	,	,	PUNCT
abrj-544	74	11	and	and	CCONJ
abrj-544	74	12	shared	share	VERB
abrj-544	74	13	norms	norm	NOUN
abrj-544	74	14	facilitate	facilitate	VERB
abrj-544	74	15	collective	collective	ADJ
abrj-544	74	16	action	action	NOUN
abrj-544	74	17	and	and	CCONJ
abrj-544	74	18	resource	resource	NOUN
abrj-544	74	19	mobilisation	mobilisation	NOUN
abrj-544	74	20	,	,	PUNCT
abrj-544	74	21	potentially	potentially	ADV
abrj-544	74	22	enhancing	enhance	VERB
abrj-544	74	23	the	the	DET
abrj-544	74	24	effectiveness	effectiveness	NOUN
abrj-544	74	25	of	of	ADP
abrj-544	74	26	development	development	NOUN
abrj-544	74	27	interventions	intervention	NOUN
abrj-544	74	28	(	(	PUNCT
abrj-544	74	29	putnam	putnam	NOUN
abrj-544	74	30	,	,	PUNCT
abrj-544	74	31	2000	2000	NUM
abrj-544	74	32	)	)	PUNCT
abrj-544	74	33	.	.	PUNCT
abrj-544	75	1	within	within	ADP
abrj-544	75	2	the	the	DET
abrj-544	75	3	microfinance	microfinance	NOUN
abrj-544	75	4	context	context	NOUN
abrj-544	75	5	,	,	PUNCT
abrj-544	75	6	social	social	ADJ
abrj-544	75	7	capital	capital	NOUN
abrj-544	75	8	is	be	AUX
abrj-544	75	9	hypothesised	hypothesise	VERB
abrj-544	75	10	to	to	PART
abrj-544	75	11	reduce	reduce	VERB
abrj-544	75	12	transaction	transaction	NOUN
abrj-544	75	13	costs	cost	NOUN
abrj-544	75	14	,	,	PUNCT
abrj-544	75	15	improve	improve	VERB
abrj-544	75	16	repayment	repayment	NOUN
abrj-544	75	17	rates	rate	NOUN
abrj-544	75	18	,	,	PUNCT
abrj-544	75	19	and	and	CCONJ
abrj-544	75	20	facilitate	facilitate	VERB
abrj-544	75	21	knowledge	knowledge	NOUN
abrj-544	75	22	sharing	sharing	NOUN
abrj-544	75	23	among	among	ADP
abrj-544	75	24	programme	programme	NOUN
abrj-544	75	25	participants	participant	NOUN
abrj-544	75	26	(	(	PUNCT
abrj-544	75	27	karlan	karlan	NOUN
abrj-544	75	28	,	,	PUNCT
abrj-544	75	29	2007	2007	NUM
abrj-544	75	30	)	)	PUNCT
abrj-544	75	31	.	.	PUNCT
abrj-544	76	1	empirical	empirical	ADJ
abrj-544	76	2	studies	study	NOUN
abrj-544	76	3	examining	examine	VERB
abrj-544	76	4	the	the	DET
abrj-544	76	5	relationship	relationship	NOUN
abrj-544	76	6	between	between	ADP
abrj-544	76	7	social	social	ADJ
abrj-544	76	8	capital	capital	NOUN
abrj-544	76	9	and	and	CCONJ
abrj-544	76	10	microfinance	microfinance	NOUN
abrj-544	76	11	effectiveness	effectiveness	NOUN
abrj-544	76	12	have	have	AUX
abrj-544	76	13	produced	produce	VERB
abrj-544	76	14	mixed	mixed	ADJ
abrj-544	76	15	findings	finding	NOUN
abrj-544	76	16	,	,	PUNCT
abrj-544	76	17	with	with	ADP
abrj-544	76	18	some	some	DET
abrj-544	76	19	studies	study	NOUN
abrj-544	76	20	demonstrating	demonstrate	VERB
abrj-544	76	21	positive	positive	ADJ
abrj-544	76	22	associations	association	NOUN
abrj-544	76	23	while	while	SCONJ
abrj-544	76	24	others	other	NOUN
abrj-544	76	25	finding	find	VERB
abrj-544	76	26	limited	limited	ADJ
abrj-544	76	27	or	or	CCONJ
abrj-544	76	28	negative	negative	ADJ
abrj-544	76	29	effects	effect	NOUN
abrj-544	76	30	(	(	PUNCT
abrj-544	76	31	feigenberg	feigenberg	PROPN
abrj-544	76	32	et	et	PROPN
abrj-544	76	33	al	al	PROPN
abrj-544	76	34	.	.	PROPN
abrj-544	76	35	,	,	PUNCT
abrj-544	76	36	2013	2013	NUM
abrj-544	76	37	)	)	PUNCT
abrj-544	76	38	.	.	PUNCT
abrj-544	77	1	the	the	DET
abrj-544	77	2	heterogeneity	heterogeneity	NOUN
abrj-544	77	3	of	of	ADP
abrj-544	77	4	results	result	NOUN
abrj-544	77	5	may	may	AUX
abrj-544	77	6	reflect	reflect	VERB
abrj-544	77	7	differences	difference	NOUN
abrj-544	77	8	in	in	ADP
abrj-544	77	9	social	social	ADJ
abrj-544	77	10	capital	capital	NOUN
abrj-544	77	11	measurement	measurement	NOUN
abrj-544	77	12	approaches	approach	NOUN
abrj-544	77	13	,	,	PUNCT
abrj-544	77	14	contextual	contextual	ADJ
abrj-544	77	15	factors	factor	NOUN
abrj-544	77	16	,	,	PUNCT
abrj-544	77	17	and	and	CCONJ
abrj-544	77	18	programme	programme	NOUN
abrj-544	77	19	design	design	NOUN
abrj-544	77	20	characteristics	characteristic	NOUN
abrj-544	77	21	that	that	PRON
abrj-544	77	22	influence	influence	VERB
abrj-544	77	23	the	the	DET
abrj-544	77	24	extent	extent	NOUN
abrj-544	77	25	to	to	PART
abrj-544	77	26	which	which	PRON
abrj-544	77	27	microfinance	microfinance	NOUN
abrj-544	77	28	interventions	intervention	NOUN
abrj-544	77	29	can	can	AUX
abrj-544	77	30	leverage	leverage	VERB
abrj-544	77	31	existing	exist	VERB
abrj-544	77	32	social	social	ADJ
abrj-544	77	33	networks	network	NOUN
abrj-544	77	34	effectively	effectively	ADV
abrj-544	77	35	.	.	PUNCT
abrj-544	78	1	the	the	DET
abrj-544	78	2	measurement	measurement	NOUN
abrj-544	78	3	of	of	ADP
abrj-544	78	4	social	social	ADJ
abrj-544	78	5	capital	capital	NOUN
abrj-544	78	6	has	have	AUX
abrj-544	78	7	proven	prove	VERB
abrj-544	78	8	particularly	particularly	ADV
abrj-544	78	9	challenging	challenging	ADJ
abrj-544	78	10	,	,	PUNCT
abrj-544	78	11	with	with	ADP
abrj-544	78	12	researchers	researcher	NOUN
abrj-544	78	13	employing	employ	VERB
abrj-544	78	14	various	various	ADJ
abrj-544	78	15	approaches	approach	NOUN
abrj-544	78	16	including	include	VERB
abrj-544	78	17	network	network	NOUN
abrj-544	78	18	analysis	analysis	NOUN
abrj-544	78	19	,	,	PUNCT
abrj-544	78	20	survey	survey	NOUN
abrj-544	78	21	-	-	PUNCT
abrj-544	78	22	based	base	VERB
abrj-544	78	23	measures	measure	NOUN
abrj-544	78	24	of	of	ADP
abrj-544	78	25	trust	trust	NOUN
abrj-544	78	26	and	and	CCONJ
abrj-544	78	27	reciprocity	reciprocity	NOUN
abrj-544	78	28	,	,	PUNCT
abrj-544	78	29	and	and	CCONJ
abrj-544	78	30	participation	participation	NOUN
abrj-544	78	31	-	-	PUNCT
abrj-544	78	32	based	base	VERB
abrj-544	78	33	asian	asian	ADJ
abrj-544	78	34	business	business	NOUN
abrj-544	78	35	research	research	NOUN
abrj-544	78	36	journal	journal	NOUN
abrj-544	78	37	,	,	PUNCT
abrj-544	78	38	2025	2025	NUM
abrj-544	78	39	,	,	PUNCT
abrj-544	78	40	10(8	10(8	NUM
abrj-544	78	41	):	):	PUNCT
abrj-544	78	42	85	85	NUM
abrj-544	78	43	-	-	SYM
abrj-544	78	44	94	94	NUM
abrj-544	78	45	88	88	NUM
abrj-544	78	46	©	©	PROPN
abrj-544	78	47	2025	2025	NUM
abrj-544	78	48	by	by	ADP
abrj-544	78	49	the	the	DET
abrj-544	78	50	author	author	NOUN
abrj-544	78	51	;	;	PUNCT
abrj-544	78	52	licensee	licensee	NOUN
abrj-544	78	53	eastern	eastern	ADJ
abrj-544	78	54	centre	centre	NOUN
abrj-544	78	55	of	of	ADP
abrj-544	78	56	science	science	NOUN
abrj-544	78	57	and	and	CCONJ
abrj-544	78	58	education	education	NOUN
abrj-544	78	59	,	,	PUNCT
abrj-544	78	60	usa	usa	PROPN
abrj-544	78	61	indicators	indicator	NOUN
abrj-544	78	62	of	of	ADP
abrj-544	78	63	collective	collective	ADJ
abrj-544	78	64	action	action	NOUN
abrj-544	78	65	(	(	PUNCT
abrj-544	78	66	grootaert	grootaert	PROPN
abrj-544	78	67	&	&	CCONJ
abrj-544	78	68	van	van	PROPN
abrj-544	78	69	bastelaer	bastelaer	PROPN
abrj-544	78	70	,	,	PUNCT
abrj-544	78	71	2002	2002	NUM
abrj-544	78	72	)	)	PUNCT
abrj-544	78	73	.	.	PUNCT
abrj-544	79	1	the	the	DET
abrj-544	79	2	multidimensional	multidimensional	ADJ
abrj-544	79	3	nature	nature	NOUN
abrj-544	79	4	of	of	ADP
abrj-544	79	5	social	social	ADJ
abrj-544	79	6	capital	capital	NOUN
abrj-544	79	7	,	,	PUNCT
abrj-544	79	8	encompassing	encompass	VERB
abrj-544	79	9	structural	structural	ADJ
abrj-544	79	10	,	,	PUNCT
abrj-544	79	11	cognitive	cognitive	ADJ
abrj-544	79	12	,	,	PUNCT
abrj-544	79	13	and	and	CCONJ
abrj-544	79	14	relational	relational	ADJ
abrj-544	79	15	dimensions	dimension	NOUN
abrj-544	79	16	,	,	PUNCT
abrj-544	79	17	has	have	AUX
abrj-544	79	18	led	lead	VERB
abrj-544	79	19	to	to	ADP
abrj-544	79	20	debates	debate	NOUN
abrj-544	79	21	regarding	regard	VERB
abrj-544	79	22	appropriate	appropriate	ADJ
abrj-544	79	23	measurement	measurement	NOUN
abrj-544	79	24	strategies	strategy	NOUN
abrj-544	79	25	and	and	CCONJ
abrj-544	79	26	the	the	DET
abrj-544	79	27	relative	relative	ADJ
abrj-544	79	28	importance	importance	NOUN
abrj-544	79	29	of	of	ADP
abrj-544	79	30	different	different	ADJ
abrj-544	79	31	social	social	ADJ
abrj-544	79	32	capital	capital	NOUN
abrj-544	79	33	components	component	NOUN
abrj-544	79	34	for	for	ADP
abrj-544	79	35	development	development	NOUN
abrj-544	79	36	outcomes	outcome	NOUN
abrj-544	79	37	(	(	PUNCT
abrj-544	79	38	krishna	krishna	PROPN
abrj-544	79	39	&	&	CCONJ
abrj-544	79	40	uphoff	uphoff	PROPN
abrj-544	79	41	,	,	PUNCT
abrj-544	79	42	2002	2002	NUM
abrj-544	79	43	)	)	PUNCT
abrj-544	79	44	.	.	PUNCT
abrj-544	80	1	2.3	2.3	NUM
abrj-544	80	2	.	.	PUNCT
abrj-544	80	3	proposed	propose	VERB
abrj-544	80	4	research	research	NOUN
abrj-544	80	5	model	model	NOUN
abrj-544	80	6	based	base	VERB
abrj-544	80	7	on	on	ADP
abrj-544	80	8	the	the	DET
abrj-544	80	9	theoretical	theoretical	ADJ
abrj-544	80	10	foundations	foundation	NOUN
abrj-544	80	11	and	and	CCONJ
abrj-544	80	12	empirical	empirical	ADJ
abrj-544	80	13	evidence	evidence	NOUN
abrj-544	80	14	reviewed	review	VERB
abrj-544	80	15	above	above	ADV
abrj-544	80	16	,	,	PUNCT
abrj-544	80	17	this	this	DET
abrj-544	80	18	study	study	NOUN
abrj-544	80	19	proposes	propose	VERB
abrj-544	80	20	a	a	DET
abrj-544	80	21	comprehensive	comprehensive	ADJ
abrj-544	80	22	research	research	NOUN
abrj-544	80	23	model	model	NOUN
abrj-544	80	24	that	that	PRON
abrj-544	80	25	examines	examine	VERB
abrj-544	80	26	the	the	DET
abrj-544	80	27	complex	complex	ADJ
abrj-544	80	28	relationships	relationship	NOUN
abrj-544	80	29	between	between	ADP
abrj-544	80	30	microfinance	microfinance	NOUN
abrj-544	80	31	accessibility	accessibility	NOUN
abrj-544	80	32	,	,	PUNCT
abrj-544	80	33	financial	financial	ADJ
abrj-544	80	34	capability	capability	NOUN
abrj-544	80	35	,	,	PUNCT
abrj-544	80	36	social	social	ADJ
abrj-544	80	37	capital	capital	NOUN
abrj-544	80	38	,	,	PUNCT
abrj-544	80	39	and	and	CCONJ
abrj-544	80	40	poverty	poverty	NOUN
abrj-544	80	41	reduction	reduction	NOUN
abrj-544	80	42	outcomes	outcome	NOUN
abrj-544	80	43	within	within	ADP
abrj-544	80	44	remote	remote	ADJ
abrj-544	80	45	vietnamese	vietnamese	ADJ
abrj-544	80	46	village	village	NOUN
abrj-544	80	47	contexts	contexts	NOUN
abrj-544	80	48	.	.	PUNCT
abrj-544	81	1	the	the	DET
abrj-544	81	2	model	model	NOUN
abrj-544	81	3	integrates	integrate	VERB
abrj-544	81	4	insights	insight	NOUN
abrj-544	81	5	from	from	ADP
abrj-544	81	6	financial	financial	ADJ
abrj-544	81	7	inclusion	inclusion	NOUN
abrj-544	81	8	theory	theory	NOUN
abrj-544	81	9	,	,	PUNCT
abrj-544	81	10	capability	capability	NOUN
abrj-544	81	11	approach	approach	NOUN
abrj-544	81	12	,	,	PUNCT
abrj-544	81	13	and	and	CCONJ
abrj-544	81	14	institutional	institutional	ADJ
abrj-544	81	15	theory	theory	NOUN
abrj-544	81	16	to	to	PART
abrj-544	81	17	develop	develop	VERB
abrj-544	81	18	a	a	DET
abrj-544	81	19	multidimensional	multidimensional	ADJ
abrj-544	81	20	framework	framework	NOUN
abrj-544	81	21	that	that	PRON
abrj-544	81	22	captures	capture	VERB
abrj-544	81	23	both	both	CCONJ
abrj-544	81	24	direct	direct	ADJ
abrj-544	81	25	and	and	CCONJ
abrj-544	81	26	indirect	indirect	ADJ
abrj-544	81	27	pathways	pathway	NOUN
abrj-544	81	28	through	through	ADP
abrj-544	81	29	which	which	PRON
abrj-544	81	30	microfinance	microfinance	NOUN
abrj-544	81	31	interventions	intervention	NOUN
abrj-544	81	32	may	may	AUX
abrj-544	81	33	influence	influence	VERB
abrj-544	81	34	household	household	NOUN
abrj-544	81	35	welfare	welfare	NOUN
abrj-544	81	36	.	.	PUNCT
abrj-544	82	1	the	the	DET
abrj-544	82	2	proposed	propose	VERB
abrj-544	82	3	research	research	NOUN
abrj-544	82	4	model	model	NOUN
abrj-544	82	5	positions	position	NOUN
abrj-544	82	6	microfinance	microfinance	NOUN
abrj-544	82	7	accessibility	accessibility	NOUN
abrj-544	82	8	as	as	ADP
abrj-544	82	9	a	a	DET
abrj-544	82	10	multidimensional	multidimensional	ADJ
abrj-544	82	11	construct	construct	NOUN
abrj-544	82	12	encompassing	encompass	VERB
abrj-544	82	13	both	both	CCONJ
abrj-544	82	14	geographic	geographic	ADJ
abrj-544	82	15	accessibility	accessibility	NOUN
abrj-544	82	16	(	(	PUNCT
abrj-544	82	17	measured	measure	VERB
abrj-544	82	18	through	through	ADP
abrj-544	82	19	distance	distance	NOUN
abrj-544	82	20	to	to	ADP
abrj-544	82	21	service	service	NOUN
abrj-544	82	22	points	point	NOUN
abrj-544	82	23	and	and	CCONJ
abrj-544	82	24	transportation	transportation	NOUN
abrj-544	82	25	infrastructure	infrastructure	NOUN
abrj-544	82	26	quality	quality	NOUN
abrj-544	82	27	)	)	PUNCT
abrj-544	82	28	and	and	CCONJ
abrj-544	82	29	institutional	institutional	ADJ
abrj-544	82	30	accessibility	accessibility	NOUN
abrj-544	82	31	(	(	PUNCT
abrj-544	82	32	captured	capture	VERB
abrj-544	82	33	through	through	ADP
abrj-544	82	34	procedural	procedural	ADJ
abrj-544	82	35	complexity	complexity	NOUN
abrj-544	82	36	,	,	PUNCT
abrj-544	82	37	collateral	collateral	ADJ
abrj-544	82	38	requirements	requirement	NOUN
abrj-544	82	39	,	,	PUNCT
abrj-544	82	40	and	and	CCONJ
abrj-544	82	41	cultural	cultural	ADJ
abrj-544	82	42	appropriateness	appropriateness	NOUN
abrj-544	82	43	of	of	ADP
abrj-544	82	44	services	service	NOUN
abrj-544	82	45	)	)	PUNCT
abrj-544	82	46	.	.	PUNCT
abrj-544	83	1	this	this	DET
abrj-544	83	2	conceptualisation	conceptualisation	NOUN
abrj-544	83	3	is	be	AUX
abrj-544	83	4	consistent	consistent	ADJ
abrj-544	83	5	with	with	ADP
abrj-544	83	6	recent	recent	ADJ
abrj-544	83	7	theoretical	theoretical	ADJ
abrj-544	83	8	developments	development	NOUN
abrj-544	83	9	in	in	ADP
abrj-544	83	10	financial	financial	ADJ
abrj-544	83	11	inclusion	inclusion	NOUN
abrj-544	83	12	literature	literature	NOUN
abrj-544	83	13	that	that	PRON
abrj-544	83	14	emphasise	emphasise	VERB
abrj-544	83	15	the	the	DET
abrj-544	83	16	importance	importance	NOUN
abrj-544	83	17	of	of	ADP
abrj-544	83	18	addressing	address	VERB
abrj-544	83	19	multiple	multiple	ADJ
abrj-544	83	20	barriers	barrier	NOUN
abrj-544	83	21	to	to	ADP
abrj-544	83	22	financial	financial	ADJ
abrj-544	83	23	service	service	NOUN
abrj-544	83	24	utilisation	utilisation	NOUN
abrj-544	83	25	simultaneously	simultaneously	ADV
abrj-544	83	26	(	(	PUNCT
abrj-544	83	27	demirguc	demirguc	PROPN
abrj-544	83	28	-	-	PUNCT
abrj-544	83	29	kunt	kunt	PROPN
abrj-544	83	30	&	&	CCONJ
abrj-544	83	31	klapper	klapper	PROPN
abrj-544	83	32	,	,	PUNCT
abrj-544	83	33	2013	2013	NUM
abrj-544	83	34	)	)	PUNCT
abrj-544	83	35	.	.	PUNCT
abrj-544	84	1	figure	figure	NOUN
abrj-544	84	2	1	1	NUM
abrj-544	84	3	.	.	PUNCT
abrj-544	84	4	proposed	propose	VERB
abrj-544	84	5	research	research	NOUN
abrj-544	84	6	model	model	NOUN
abrj-544	84	7	.	.	PUNCT
abrj-544	85	1	financial	financial	ADJ
abrj-544	85	2	capability	capability	NOUN
abrj-544	85	3	is	be	AUX
abrj-544	85	4	conceptualised	conceptualise	VERB
abrj-544	85	5	as	as	ADP
abrj-544	85	6	a	a	DET
abrj-544	85	7	mediating	mediate	VERB
abrj-544	85	8	variable	variable	NOUN
abrj-544	85	9	that	that	PRON
abrj-544	85	10	encompasses	encompass	VERB
abrj-544	85	11	both	both	PRON
abrj-544	85	12	objective	objective	ADJ
abrj-544	85	13	financial	financial	ADJ
abrj-544	85	14	knowledge	knowledge	NOUN
abrj-544	85	15	and	and	CCONJ
abrj-544	85	16	subjective	subjective	ADJ
abrj-544	85	17	financial	financial	ADJ
abrj-544	85	18	confidence	confidence	NOUN
abrj-544	85	19	,	,	PUNCT
abrj-544	85	20	consistent	consistent	ADJ
abrj-544	85	21	with	with	ADP
abrj-544	85	22	the	the	DET
abrj-544	85	23	theoretical	theoretical	ADJ
abrj-544	85	24	framework	framework	NOUN
abrj-544	85	25	developed	develop	VERB
abrj-544	85	26	by	by	ADP
abrj-544	85	27	lusardi	lusardi	PROPN
abrj-544	85	28	&	&	CCONJ
abrj-544	85	29	mitchell	mitchell	PROPN
abrj-544	85	30	(	(	PUNCT
abrj-544	85	31	2014	2014	NUM
abrj-544	85	32	)	)	PUNCT
abrj-544	85	33	.	.	PUNCT
abrj-544	86	1	the	the	DET
abrj-544	86	2	model	model	NOUN
abrj-544	86	3	hypothesises	hypothesise	VERB
abrj-544	86	4	that	that	PRON
abrj-544	86	5	improved	improve	VERB
abrj-544	86	6	microfinance	microfinance	NOUN
abrj-544	86	7	accessibility	accessibility	NOUN
abrj-544	86	8	enhances	enhance	VERB
abrj-544	86	9	household	household	NOUN
abrj-544	86	10	financial	financial	ADJ
abrj-544	86	11	capability	capability	NOUN
abrj-544	86	12	,	,	PUNCT
abrj-544	86	13	which	which	PRON
abrj-544	86	14	in	in	ADP
abrj-544	86	15	turn	turn	NOUN
abrj-544	86	16	contributes	contribute	VERB
abrj-544	86	17	to	to	ADP
abrj-544	86	18	better	well	ADJ
abrj-544	86	19	financial	financial	ADJ
abrj-544	86	20	decision	decision	NOUN
abrj-544	86	21	-	-	PUNCT
abrj-544	86	22	making	making	NOUN
abrj-544	86	23	and	and	CCONJ
abrj-544	86	24	ultimately	ultimately	ADV
abrj-544	86	25	improved	improve	VERB
abrj-544	86	26	poverty	poverty	NOUN
abrj-544	86	27	reduction	reduction	NOUN
abrj-544	86	28	outcomes	outcome	NOUN
abrj-544	86	29	.	.	PUNCT
abrj-544	87	1	this	this	DET
abrj-544	87	2	mediating	mediating	NOUN
abrj-544	87	3	relationship	relationship	NOUN
abrj-544	87	4	is	be	AUX
abrj-544	87	5	theoretically	theoretically	ADV
abrj-544	87	6	grounded	ground	VERB
abrj-544	87	7	in	in	ADP
abrj-544	87	8	the	the	DET
abrj-544	87	9	capability	capability	NOUN
abrj-544	87	10	approach	approach	NOUN
abrj-544	87	11	,	,	PUNCT
abrj-544	87	12	which	which	PRON
abrj-544	87	13	emphasises	emphasise	VERB
abrj-544	87	14	the	the	DET
abrj-544	87	15	importance	importance	NOUN
abrj-544	87	16	of	of	ADP
abrj-544	87	17	expanding	expand	VERB
abrj-544	87	18	people	people	NOUN
abrj-544	87	19	's	's	PART
abrj-544	87	20	substantive	substantive	ADJ
abrj-544	87	21	freedoms	freedom	NOUN
abrj-544	87	22	and	and	CCONJ
abrj-544	87	23	opportunities	opportunity	NOUN
abrj-544	87	24	for	for	ADP
abrj-544	87	25	self	self	NOUN
abrj-544	87	26	-	-	PUNCT
abrj-544	87	27	determination	determination	NOUN
abrj-544	87	28	.	.	PUNCT
abrj-544	88	1	social	social	ADJ
abrj-544	88	2	capital	capital	NOUN
abrj-544	88	3	is	be	AUX
abrj-544	88	4	incorporated	incorporate	VERB
abrj-544	88	5	as	as	ADP
abrj-544	88	6	both	both	CCONJ
abrj-544	88	7	a	a	DET
abrj-544	88	8	mediating	mediating	NOUN
abrj-544	88	9	and	and	CCONJ
abrj-544	88	10	moderating	moderate	VERB
abrj-544	88	11	variable	variable	NOUN
abrj-544	88	12	within	within	ADP
abrj-544	88	13	the	the	DET
abrj-544	88	14	research	research	NOUN
abrj-544	88	15	model	model	NOUN
abrj-544	88	16	,	,	PUNCT
abrj-544	88	17	reflecting	reflect	VERB
abrj-544	88	18	the	the	DET
abrj-544	88	19	complex	complex	ADJ
abrj-544	88	20	role	role	NOUN
abrj-544	88	21	that	that	PRON
abrj-544	88	22	social	social	ADJ
abrj-544	88	23	networks	network	NOUN
abrj-544	88	24	and	and	CCONJ
abrj-544	88	25	trust	trust	NOUN
abrj-544	88	26	relationships	relationship	NOUN
abrj-544	88	27	play	play	VERB
abrj-544	88	28	in	in	ADP
abrj-544	88	29	determining	determine	VERB
abrj-544	88	30	microfinance	microfinance	NOUN
abrj-544	88	31	effectiveness	effectiveness	NOUN
abrj-544	88	32	.	.	PUNCT
abrj-544	89	1	the	the	DET
abrj-544	89	2	model	model	NOUN
abrj-544	89	3	hypothesises	hypothesise	VERB
abrj-544	89	4	that	that	PRON
abrj-544	89	5	microfinance	microfinance	NOUN
abrj-544	89	6	accessibility	accessibility	NOUN
abrj-544	89	7	contributes	contribute	VERB
abrj-544	89	8	to	to	ADP
abrj-544	89	9	social	social	ADJ
abrj-544	89	10	capital	capital	NOUN
abrj-544	89	11	development	development	NOUN
abrj-544	89	12	through	through	ADP
abrj-544	89	13	group	group	NOUN
abrj-544	89	14	-	-	PUNCT
abrj-544	89	15	based	base	VERB
abrj-544	89	16	lending	lending	NOUN
abrj-544	89	17	mechanisms	mechanism	NOUN
abrj-544	89	18	and	and	CCONJ
abrj-544	89	19	peer	peer	NOUN
abrj-544	89	20	learning	learn	VERB
abrj-544	89	21	opportunities	opportunity	NOUN
abrj-544	89	22	,	,	PUNCT
abrj-544	89	23	while	while	SCONJ
abrj-544	89	24	simultaneously	simultaneously	ADV
abrj-544	89	25	positing	posit	VERB
abrj-544	89	26	that	that	SCONJ
abrj-544	89	27	existing	exist	VERB
abrj-544	89	28	social	social	ADJ
abrj-544	89	29	capital	capital	NOUN
abrj-544	89	30	levels	level	NOUN
abrj-544	89	31	moderate	moderate	VERB
abrj-544	89	32	the	the	DET
abrj-544	89	33	relationship	relationship	NOUN
abrj-544	89	34	between	between	ADP
abrj-544	89	35	microfinance	microfinance	NOUN
abrj-544	89	36	access	access	NOUN
abrj-544	89	37	and	and	CCONJ
abrj-544	89	38	poverty	poverty	NOUN
abrj-544	89	39	reduction	reduction	NOUN
abrj-544	89	40	outcomes	outcome	NOUN
abrj-544	89	41	.	.	PUNCT
abrj-544	90	1	the	the	DET
abrj-544	90	2	model	model	NOUN
abrj-544	90	3	incorporates	incorporate	VERB
abrj-544	90	4	two	two	NUM
abrj-544	90	5	important	important	ADJ
abrj-544	90	6	contextual	contextual	ADJ
abrj-544	90	7	moderating	moderate	VERB
abrj-544	90	8	variables	variable	NOUN
abrj-544	90	9	:	:	PUNCT
abrj-544	90	10	geographic	geographic	ADJ
abrj-544	90	11	remoteness	remoteness	NOUN
abrj-544	90	12	and	and	CCONJ
abrj-544	90	13	institutional	institutional	ADJ
abrj-544	90	14	quality	quality	NOUN
abrj-544	90	15	.	.	PUNCT
abrj-544	91	1	geographic	geographic	ADJ
abrj-544	91	2	remoteness	remoteness	NOUN
abrj-544	91	3	is	be	AUX
abrj-544	91	4	hypothesised	hypothesise	VERB
abrj-544	91	5	to	to	PART
abrj-544	91	6	moderate	moderate	VERB
abrj-544	91	7	the	the	DET
abrj-544	91	8	relationship	relationship	NOUN
abrj-544	91	9	between	between	ADP
abrj-544	91	10	microfinance	microfinance	NOUN
abrj-544	91	11	accessibility	accessibility	NOUN
abrj-544	91	12	and	and	CCONJ
abrj-544	91	13	poverty	poverty	NOUN
abrj-544	91	14	reduction	reduction	NOUN
abrj-544	91	15	outcomes	outcome	NOUN
abrj-544	91	16	,	,	PUNCT
abrj-544	91	17	with	with	ADP
abrj-544	91	18	the	the	DET
abrj-544	91	19	effectiveness	effectiveness	NOUN
abrj-544	91	20	of	of	ADP
abrj-544	91	21	microfinance	microfinance	NOUN
abrj-544	91	22	interventions	intervention	NOUN
abrj-544	91	23	potentially	potentially	ADV
abrj-544	91	24	diminishing	diminish	VERB
abrj-544	91	25	in	in	ADP
abrj-544	91	26	more	more	ADJ
abrj-544	91	27	remote	remote	ADJ
abrj-544	91	28	locations	location	NOUN
abrj-544	91	29	due	due	ADP
abrj-544	91	30	to	to	ADP
abrj-544	91	31	higher	high	ADJ
abrj-544	91	32	transaction	transaction	NOUN
abrj-544	91	33	costs	cost	NOUN
abrj-544	91	34	and	and	CCONJ
abrj-544	91	35	limited	limited	ADJ
abrj-544	91	36	complementary	complementary	ADJ
abrj-544	91	37	services	service	NOUN
abrj-544	91	38	.	.	PUNCT
abrj-544	92	1	institutional	institutional	ADJ
abrj-544	92	2	quality	quality	NOUN
abrj-544	92	3	,	,	PUNCT
abrj-544	92	4	captured	capture	VERB
abrj-544	92	5	through	through	ADP
abrj-544	92	6	measures	measure	NOUN
abrj-544	92	7	of	of	ADP
abrj-544	92	8	local	local	ADJ
abrj-544	92	9	governance	governance	NOUN
abrj-544	92	10	effectiveness	effectiveness	NOUN
abrj-544	92	11	and	and	CCONJ
abrj-544	92	12	rule	rule	NOUN
abrj-544	92	13	of	of	ADP
abrj-544	92	14	law	law	NOUN
abrj-544	92	15	,	,	PUNCT
abrj-544	92	16	is	be	AUX
abrj-544	92	17	hypothesised	hypothesise	VERB
abrj-544	92	18	to	to	PART
abrj-544	92	19	moderate	moderate	VERB
abrj-544	92	20	multiple	multiple	ADJ
abrj-544	92	21	relationships	relationship	NOUN
abrj-544	92	22	within	within	ADP
abrj-544	92	23	the	the	DET
abrj-544	92	24	model	model	NOUN
abrj-544	92	25	,	,	PUNCT
abrj-544	92	26	reflecting	reflect	VERB
abrj-544	92	27	the	the	DET
abrj-544	92	28	importance	importance	NOUN
abrj-544	92	29	of	of	ADP
abrj-544	92	30	institutional	institutional	ADJ
abrj-544	92	31	environment	environment	NOUN
abrj-544	92	32	for	for	ADP
abrj-544	92	33	microfinance	microfinance	NOUN
abrj-544	92	34	effectiveness	effectiveness	NOUN
abrj-544	92	35	.	.	PUNCT
abrj-544	93	1	the	the	DET
abrj-544	93	2	dependent	dependent	ADJ
abrj-544	93	3	variable	variable	NOUN
abrj-544	93	4	,	,	PUNCT
abrj-544	93	5	poverty	poverty	NOUN
abrj-544	93	6	reduction	reduction	NOUN
abrj-544	93	7	outcomes	outcome	NOUN
abrj-544	93	8	,	,	PUNCT
abrj-544	93	9	is	be	AUX
abrj-544	93	10	conceptualised	conceptualise	VERB
abrj-544	93	11	as	as	ADP
abrj-544	93	12	a	a	DET
abrj-544	93	13	multidimensional	multidimensional	ADJ
abrj-544	93	14	construct	construct	NOUN
abrj-544	93	15	that	that	PRON
abrj-544	93	16	encompasses	encompass	VERB
abrj-544	93	17	both	both	DET
abrj-544	93	18	monetary	monetary	ADJ
abrj-544	93	19	and	and	CCONJ
abrj-544	93	20	non	non	ADJ
abrj-544	93	21	-	-	ADJ
abrj-544	93	22	monetary	monetary	ADJ
abrj-544	93	23	dimensions	dimension	NOUN
abrj-544	93	24	of	of	ADP
abrj-544	93	25	welfare	welfare	NOUN
abrj-544	93	26	,	,	PUNCT
abrj-544	93	27	consistent	consistent	ADJ
abrj-544	93	28	with	with	ADP
abrj-544	93	29	the	the	DET
abrj-544	93	30	capability	capability	NOUN
abrj-544	93	31	approach	approach	NOUN
abrj-544	93	32	framework	framework	NOUN
abrj-544	93	33	.	.	PUNCT
abrj-544	94	1	the	the	DET
abrj-544	94	2	model	model	NOUN
abrj-544	94	3	examines	examine	VERB
abrj-544	94	4	multiple	multiple	ADJ
abrj-544	94	5	outcome	outcome	NOUN
abrj-544	94	6	indicators	indicator	NOUN
abrj-544	94	7	including	include	VERB
abrj-544	94	8	household	household	NOUN
abrj-544	94	9	income	income	NOUN
abrj-544	94	10	,	,	PUNCT
abrj-544	94	11	asset	asset	NOUN
abrj-544	94	12	accumulation	accumulation	NOUN
abrj-544	94	13	,	,	PUNCT
abrj-544	94	14	food	food	NOUN
abrj-544	94	15	security	security	NOUN
abrj-544	94	16	,	,	PUNCT
abrj-544	94	17	health	health	NOUN
abrj-544	94	18	outcomes	outcome	NOUN
abrj-544	94	19	,	,	PUNCT
abrj-544	94	20	and	and	CCONJ
abrj-544	94	21	educational	educational	ADJ
abrj-544	94	22	investments	investment	NOUN
abrj-544	94	23	,	,	PUNCT
abrj-544	94	24	recognising	recognise	VERB
abrj-544	94	25	that	that	SCONJ
abrj-544	94	26	poverty	poverty	NOUN
abrj-544	94	27	reduction	reduction	NOUN
abrj-544	94	28	is	be	AUX
abrj-544	94	29	a	a	DET
abrj-544	94	30	complex	complex	ADJ
abrj-544	94	31	,	,	PUNCT
abrj-544	94	32	multifaceted	multifaceted	ADJ
abrj-544	94	33	process	process	NOUN
abrj-544	94	34	that	that	PRON
abrj-544	94	35	can	can	AUX
abrj-544	94	36	not	not	PART
abrj-544	94	37	be	be	AUX
abrj-544	94	38	captured	capture	VERB
abrj-544	94	39	through	through	ADP
abrj-544	94	40	single	single	ADJ
abrj-544	94	41	indicators	indicator	NOUN
abrj-544	94	42	.	.	PUNCT
abrj-544	95	1	asian	asian	ADJ
abrj-544	95	2	business	business	PROPN
abrj-544	95	3	research	research	NOUN
abrj-544	95	4	journal	journal	NOUN
abrj-544	95	5	,	,	PUNCT
abrj-544	95	6	2025	2025	NUM
abrj-544	95	7	,	,	PUNCT
abrj-544	95	8	10(8	10(8	NUM
abrj-544	95	9	):	):	PUNCT
abrj-544	95	10	85	85	NUM
abrj-544	95	11	-	-	SYM
abrj-544	95	12	94	94	NUM
abrj-544	95	13	89	89	NUM
abrj-544	95	14	©	©	PROPN
abrj-544	95	15	2025	2025	NUM
abrj-544	95	16	by	by	ADP
abrj-544	95	17	the	the	DET
abrj-544	95	18	author	author	NOUN
abrj-544	95	19	;	;	PUNCT
abrj-544	95	20	licensee	licensee	NOUN
abrj-544	95	21	eastern	eastern	ADJ
abrj-544	95	22	centre	centre	NOUN
abrj-544	95	23	of	of	ADP
abrj-544	95	24	science	science	NOUN
abrj-544	95	25	and	and	CCONJ
abrj-544	95	26	education	education	NOUN
abrj-544	95	27	,	,	PUNCT
abrj-544	95	28	usa	usa	PROPN
abrj-544	95	29	3	3	NUM
abrj-544	95	30	.	.	PUNCT
abrj-544	95	31	research	research	NOUN
abrj-544	95	32	methodology	methodology	NOUN
abrj-544	95	33	3.1	3.1	NUM
abrj-544	95	34	.	.	PUNCT
abrj-544	96	1	research	research	NOUN
abrj-544	96	2	design	design	NOUN
abrj-544	96	3	this	this	DET
abrj-544	96	4	study	study	NOUN
abrj-544	96	5	employs	employ	VERB
abrj-544	96	6	a	a	DET
abrj-544	96	7	quantitative	quantitative	ADJ
abrj-544	96	8	research	research	NOUN
abrj-544	96	9	design	design	NOUN
abrj-544	96	10	utilising	utilise	VERB
abrj-544	96	11	a	a	DET
abrj-544	96	12	cross	cross	ADJ
abrj-544	96	13	-	-	ADJ
abrj-544	96	14	sectional	sectional	ADJ
abrj-544	96	15	survey	survey	NOUN
abrj-544	96	16	methodology	methodology	NOUN
abrj-544	96	17	to	to	PART
abrj-544	96	18	examine	examine	VERB
abrj-544	96	19	the	the	DET
abrj-544	96	20	relationships	relationship	NOUN
abrj-544	96	21	between	between	ADP
abrj-544	96	22	microfinance	microfinance	NOUN
abrj-544	96	23	accessibility	accessibility	NOUN
abrj-544	96	24	,	,	PUNCT
abrj-544	96	25	financial	financial	ADJ
abrj-544	96	26	capability	capability	NOUN
abrj-544	96	27	,	,	PUNCT
abrj-544	96	28	social	social	ADJ
abrj-544	96	29	capital	capital	NOUN
abrj-544	96	30	,	,	PUNCT
abrj-544	96	31	and	and	CCONJ
abrj-544	96	32	poverty	poverty	NOUN
abrj-544	96	33	reduction	reduction	NOUN
abrj-544	96	34	outcomes	outcome	NOUN
abrj-544	96	35	within	within	ADP
abrj-544	96	36	remote	remote	ADJ
abrj-544	96	37	vietnamese	vietnamese	ADJ
abrj-544	96	38	village	village	NOUN
abrj-544	96	39	communities	community	NOUN
abrj-544	96	40	.	.	PUNCT
abrj-544	97	1	the	the	DET
abrj-544	97	2	research	research	NOUN
abrj-544	97	3	design	design	NOUN
abrj-544	97	4	is	be	AUX
abrj-544	97	5	grounded	ground	VERB
abrj-544	97	6	in	in	ADP
abrj-544	97	7	a	a	DET
abrj-544	97	8	post	post	ADJ
abrj-544	97	9	-	-	ADJ
abrj-544	97	10	positivist	positivist	ADJ
abrj-544	97	11	epistemological	epistemological	ADJ
abrj-544	97	12	framework	framework	NOUN
abrj-544	97	13	that	that	PRON
abrj-544	97	14	acknowledges	acknowledge	VERB
abrj-544	97	15	the	the	DET
abrj-544	97	16	complexity	complexity	NOUN
abrj-544	97	17	of	of	ADP
abrj-544	97	18	social	social	ADJ
abrj-544	97	19	phenomena	phenomenon	NOUN
abrj-544	97	20	while	while	SCONJ
abrj-544	97	21	maintaining	maintain	VERB
abrj-544	97	22	a	a	DET
abrj-544	97	23	commitment	commitment	NOUN
abrj-544	97	24	to	to	ADP
abrj-544	97	25	rigorous	rigorous	ADJ
abrj-544	97	26	empirical	empirical	ADJ
abrj-544	97	27	investigation	investigation	NOUN
abrj-544	97	28	(	(	PUNCT
abrj-544	97	29	creswell	creswell	PROPN
abrj-544	97	30	,	,	PUNCT
abrj-544	97	31	2014	2014	NUM
abrj-544	97	32	)	)	PUNCT
abrj-544	97	33	.	.	PUNCT
abrj-544	98	1	the	the	DET
abrj-544	98	2	study	study	NOUN
abrj-544	98	3	adopts	adopt	VERB
abrj-544	98	4	a	a	DET
abrj-544	98	5	mixed	mix	VERB
abrj-544	98	6	-	-	PUNCT
abrj-544	98	7	method	method	NOUN
abrj-544	98	8	analytical	analytical	ADJ
abrj-544	98	9	approach	approach	NOUN
abrj-544	98	10	,	,	PUNCT
abrj-544	98	11	combining	combine	VERB
abrj-544	98	12	partial	partial	ADJ
abrj-544	98	13	least	least	ADJ
abrj-544	98	14	squares	square	NOUN
abrj-544	98	15	structural	structural	ADJ
abrj-544	98	16	equation	equation	NOUN
abrj-544	98	17	modelling	modelling	NOUN
abrj-544	98	18	(	(	PUNCT
abrj-544	98	19	pls	pls	NOUN
abrj-544	98	20	-	-	PUNCT
abrj-544	98	21	sem	sem	NOUN
abrj-544	98	22	)	)	PUNCT
abrj-544	98	23	with	with	ADP
abrj-544	98	24	fuzzy	fuzzy	ADJ
abrj-544	98	25	-	-	PUNCT
abrj-544	98	26	set	set	VERB
abrj-544	98	27	qualitative	qualitative	ADJ
abrj-544	98	28	comparative	comparative	ADJ
abrj-544	98	29	analysis	analysis	NOUN
abrj-544	98	30	(	(	PUNCT
abrj-544	98	31	fsqca	fsqca	NOUN
abrj-544	98	32	)	)	PUNCT
abrj-544	98	33	to	to	PART
abrj-544	98	34	capture	capture	VERB
abrj-544	98	35	both	both	DET
abrj-544	98	36	linear	linear	ADJ
abrj-544	98	37	relationships	relationship	NOUN
abrj-544	98	38	and	and	CCONJ
abrj-544	98	39	configurational	configurational	ADJ
abrj-544	98	40	patterns	pattern	NOUN
abrj-544	98	41	that	that	PRON
abrj-544	98	42	characterise	characterise	VERB
abrj-544	98	43	microfinance	microfinance	NOUN
abrj-544	98	44	impact	impact	NOUN
abrj-544	98	45	.	.	PUNCT
abrj-544	99	1	the	the	DET
abrj-544	99	2	choice	choice	NOUN
abrj-544	99	3	of	of	ADP
abrj-544	99	4	cross	cross	ADJ
abrj-544	99	5	-	-	ADJ
abrj-544	99	6	sectional	sectional	ADJ
abrj-544	99	7	design	design	NOUN
abrj-544	99	8	reflects	reflect	VERB
abrj-544	99	9	practical	practical	ADJ
abrj-544	99	10	constraints	constraint	NOUN
abrj-544	99	11	associated	associate	VERB
abrj-544	99	12	with	with	ADP
abrj-544	99	13	conducting	conduct	VERB
abrj-544	99	14	longitudinal	longitudinal	ADJ
abrj-544	99	15	research	research	NOUN
abrj-544	99	16	in	in	ADP
abrj-544	99	17	remote	remote	ADJ
abrj-544	99	18	rural	rural	ADJ
abrj-544	99	19	contexts	context	NOUN
abrj-544	99	20	,	,	PUNCT
abrj-544	99	21	while	while	SCONJ
abrj-544	99	22	the	the	DET
abrj-544	99	23	quantitative	quantitative	ADJ
abrj-544	99	24	approach	approach	NOUN
abrj-544	99	25	enables	enable	VERB
abrj-544	99	26	systematic	systematic	ADJ
abrj-544	99	27	examination	examination	NOUN
abrj-544	99	28	of	of	ADP
abrj-544	99	29	relationships	relationship	NOUN
abrj-544	99	30	between	between	ADP
abrj-544	99	31	key	key	ADJ
abrj-544	99	32	variables	variable	NOUN
abrj-544	99	33	across	across	ADP
abrj-544	99	34	a	a	DET
abrj-544	99	35	large	large	ADJ
abrj-544	99	36	sample	sample	NOUN
abrj-544	99	37	of	of	ADP
abrj-544	99	38	households	household	NOUN
abrj-544	99	39	.	.	PUNCT
abrj-544	100	1	the	the	DET
abrj-544	100	2	research	research	NOUN
abrj-544	100	3	design	design	NOUN
abrj-544	100	4	incorporates	incorporate	VERB
abrj-544	100	5	multiple	multiple	ADJ
abrj-544	100	6	methodological	methodological	ADJ
abrj-544	100	7	safeguards	safeguard	NOUN
abrj-544	100	8	to	to	PART
abrj-544	100	9	enhance	enhance	VERB
abrj-544	100	10	validity	validity	NOUN
abrj-544	100	11	and	and	CCONJ
abrj-544	100	12	reliability	reliability	NOUN
abrj-544	100	13	,	,	PUNCT
abrj-544	100	14	including	include	VERB
abrj-544	100	15	systematic	systematic	ADJ
abrj-544	100	16	sampling	sampling	NOUN
abrj-544	100	17	procedures	procedure	NOUN
abrj-544	100	18	,	,	PUNCT
abrj-544	100	19	validated	validated	ADJ
abrj-544	100	20	measurement	measurement	NOUN
abrj-544	100	21	instruments	instrument	NOUN
abrj-544	100	22	,	,	PUNCT
abrj-544	100	23	and	and	CCONJ
abrj-544	100	24	comprehensive	comprehensive	ADJ
abrj-544	100	25	data	datum	NOUN
abrj-544	100	26	quality	quality	NOUN
abrj-544	100	27	checks	check	NOUN
abrj-544	100	28	.	.	PUNCT
abrj-544	101	1	3.2	3.2	NUM
abrj-544	101	2	.	.	PUNCT
abrj-544	102	1	data	datum	NOUN
abrj-544	102	2	collection	collection	NOUN
abrj-544	102	3	the	the	DET
abrj-544	102	4	study	study	NOUN
abrj-544	102	5	collected	collect	VERB
abrj-544	102	6	primary	primary	ADJ
abrj-544	102	7	data	datum	NOUN
abrj-544	102	8	from	from	ADP
abrj-544	102	9	485	485	NUM
abrj-544	102	10	households	household	NOUN
abrj-544	102	11	across	across	ADP
abrj-544	102	12	28	28	NUM
abrj-544	102	13	remote	remote	ADJ
abrj-544	102	14	villages	village	NOUN
abrj-544	102	15	in	in	ADP
abrj-544	102	16	northern	northern	ADJ
abrj-544	102	17	vietnam	vietnam	PROPN
abrj-544	102	18	's	's	PART
abrj-544	102	19	mountainous	mountainous	ADJ
abrj-544	102	20	provinces	province	NOUN
abrj-544	102	21	during	during	ADP
abrj-544	102	22	the	the	DET
abrj-544	102	23	period	period	NOUN
abrj-544	102	24	from	from	ADP
abrj-544	102	25	march	march	PROPN
abrj-544	102	26	to	to	ADP
abrj-544	102	27	august	august	PROPN
abrj-544	102	28	2017	2017	NUM
abrj-544	102	29	.	.	PUNCT
abrj-544	103	1	the	the	DET
abrj-544	103	2	sample	sample	NOUN
abrj-544	103	3	selection	selection	NOUN
abrj-544	103	4	employed	employ	VERB
abrj-544	103	5	a	a	DET
abrj-544	103	6	multistage	multistage	NOUN
abrj-544	103	7	stratified	stratify	VERB
abrj-544	103	8	random	random	ADJ
abrj-544	103	9	sampling	sampling	NOUN
abrj-544	103	10	procedure	procedure	NOUN
abrj-544	103	11	to	to	PART
abrj-544	103	12	ensure	ensure	VERB
abrj-544	103	13	adequate	adequate	ADJ
abrj-544	103	14	representation	representation	NOUN
abrj-544	103	15	of	of	ADP
abrj-544	103	16	different	different	ADJ
abrj-544	103	17	ethnic	ethnic	ADJ
abrj-544	103	18	groups	group	NOUN
abrj-544	103	19	,	,	PUNCT
abrj-544	103	20	geographic	geographic	ADJ
abrj-544	103	21	conditions	condition	NOUN
abrj-544	103	22	,	,	PUNCT
abrj-544	103	23	and	and	CCONJ
abrj-544	103	24	microfinance	microfinance	NOUN
abrj-544	103	25	exposure	exposure	NOUN
abrj-544	103	26	levels	level	NOUN
abrj-544	103	27	.	.	PUNCT
abrj-544	104	1	the	the	DET
abrj-544	104	2	first	first	ADJ
abrj-544	104	3	stage	stage	NOUN
abrj-544	104	4	involved	involve	VERB
abrj-544	104	5	purposive	purposive	ADJ
abrj-544	104	6	selection	selection	NOUN
abrj-544	104	7	of	of	ADP
abrj-544	104	8	four	four	NUM
abrj-544	104	9	provinces	province	NOUN
abrj-544	104	10	(	(	PUNCT
abrj-544	104	11	ha	ha	INTJ
abrj-544	104	12	giang	giang	PROPN
abrj-544	104	13	,	,	PUNCT
abrj-544	104	14	cao	cao	PROPN
abrj-544	104	15	bang	bang	PROPN
abrj-544	104	16	,	,	PUNCT
abrj-544	104	17	lao	lao	PROPN
abrj-544	104	18	cai	cai	PROPN
abrj-544	104	19	,	,	PUNCT
abrj-544	104	20	and	and	CCONJ
abrj-544	104	21	yen	yen	PROPN
abrj-544	104	22	bai	bai	PROPN
abrj-544	104	23	)	)	PUNCT
abrj-544	104	24	representing	represent	VERB
abrj-544	104	25	different	different	ADJ
abrj-544	104	26	levels	level	NOUN
abrj-544	104	27	of	of	ADP
abrj-544	104	28	economic	economic	ADJ
abrj-544	104	29	development	development	NOUN
abrj-544	104	30	and	and	CCONJ
abrj-544	104	31	microfinance	microfinance	NOUN
abrj-544	104	32	penetration	penetration	NOUN
abrj-544	104	33	.	.	PUNCT
abrj-544	105	1	the	the	DET
abrj-544	105	2	second	second	ADJ
abrj-544	105	3	stage	stage	NOUN
abrj-544	105	4	employed	employ	VERB
abrj-544	105	5	systematic	systematic	ADJ
abrj-544	105	6	random	random	ADJ
abrj-544	105	7	sampling	sampling	NOUN
abrj-544	105	8	to	to	PART
abrj-544	105	9	select	select	VERB
abrj-544	105	10	seven	seven	NUM
abrj-544	105	11	villages	village	NOUN
abrj-544	105	12	within	within	ADP
abrj-544	105	13	each	each	DET
abrj-544	105	14	province	province	NOUN
abrj-544	105	15	,	,	PUNCT
abrj-544	105	16	ensuring	ensure	VERB
abrj-544	105	17	adequate	adequate	ADJ
abrj-544	105	18	variation	variation	NOUN
abrj-544	105	19	in	in	ADP
abrj-544	105	20	geographic	geographic	ADJ
abrj-544	105	21	remoteness	remoteness	NOUN
abrj-544	105	22	and	and	CCONJ
abrj-544	105	23	ethnic	ethnic	ADJ
abrj-544	105	24	composition	composition	NOUN
abrj-544	105	25	.	.	PUNCT
abrj-544	106	1	the	the	DET
abrj-544	106	2	household	household	NOUN
abrj-544	106	3	selection	selection	NOUN
abrj-544	106	4	procedure	procedure	NOUN
abrj-544	106	5	employed	employ	VERB
abrj-544	106	6	systematic	systematic	ADJ
abrj-544	106	7	random	random	ADJ
abrj-544	106	8	sampling	sampling	NOUN
abrj-544	106	9	within	within	ADP
abrj-544	106	10	each	each	DET
abrj-544	106	11	village	village	NOUN
abrj-544	106	12	,	,	PUNCT
abrj-544	106	13	with	with	ADP
abrj-544	106	14	sampling	sample	VERB
abrj-544	106	15	intervals	interval	NOUN
abrj-544	106	16	calculated	calculate	VERB
abrj-544	106	17	to	to	PART
abrj-544	106	18	achieve	achieve	VERB
abrj-544	106	19	proportional	proportional	ADJ
abrj-544	106	20	representation	representation	NOUN
abrj-544	106	21	across	across	ADP
abrj-544	106	22	different	different	ADJ
abrj-544	106	23	household	household	NOUN
abrj-544	106	24	types	type	NOUN
abrj-544	106	25	.	.	PUNCT
abrj-544	107	1	the	the	DET
abrj-544	107	2	final	final	ADJ
abrj-544	107	3	sample	sample	NOUN
abrj-544	107	4	included	include	VERB
abrj-544	107	5	267	267	NUM
abrj-544	107	6	households	household	NOUN
abrj-544	107	7	with	with	ADP
abrj-544	107	8	access	access	NOUN
abrj-544	107	9	to	to	ADP
abrj-544	107	10	microfinance	microfinance	NOUN
abrj-544	107	11	services	service	NOUN
abrj-544	107	12	and	and	CCONJ
abrj-544	107	13	218	218	NUM
abrj-544	107	14	households	household	NOUN
abrj-544	107	15	without	without	ADP
abrj-544	107	16	access	access	NOUN
abrj-544	107	17	,	,	PUNCT
abrj-544	107	18	enabling	enable	VERB
abrj-544	107	19	comparative	comparative	ADJ
abrj-544	107	20	analysis	analysis	NOUN
abrj-544	107	21	of	of	ADP
abrj-544	107	22	microfinance	microfinance	NOUN
abrj-544	107	23	impact	impact	NOUN
abrj-544	107	24	.	.	PUNCT
abrj-544	108	1	the	the	DET
abrj-544	108	2	response	response	NOUN
abrj-544	108	3	rate	rate	NOUN
abrj-544	108	4	was	be	AUX
abrj-544	108	5	94.2	94.2	NUM
abrj-544	108	6	%	%	NOUN
abrj-544	108	7	,	,	PUNCT
abrj-544	108	8	with	with	ADP
abrj-544	108	9	non	non	ADJ
abrj-544	108	10	-	-	ADJ
abrj-544	108	11	response	response	NOUN
abrj-544	108	12	primarily	primarily	ADV
abrj-544	108	13	attributed	attribute	VERB
abrj-544	108	14	to	to	ADP
abrj-544	108	15	temporary	temporary	ADJ
abrj-544	108	16	household	household	NOUN
abrj-544	108	17	absence	absence	NOUN
abrj-544	108	18	rather	rather	ADV
abrj-544	108	19	than	than	ADP
abrj-544	108	20	refusal	refusal	NOUN
abrj-544	108	21	to	to	PART
abrj-544	108	22	participate	participate	VERB
abrj-544	108	23	.	.	PUNCT
abrj-544	109	1	data	datum	NOUN
abrj-544	109	2	collection	collection	NOUN
abrj-544	109	3	was	be	AUX
abrj-544	109	4	conducted	conduct	VERB
abrj-544	109	5	through	through	ADP
abrj-544	109	6	face	face	NOUN
abrj-544	109	7	-	-	PUNCT
abrj-544	109	8	to	to	ADP
abrj-544	109	9	-	-	PUNCT
abrj-544	109	10	face	face	NOUN
abrj-544	109	11	interviews	interview	NOUN
abrj-544	109	12	using	use	VERB
abrj-544	109	13	structured	structured	ADJ
abrj-544	109	14	questionnaires	questionnaire	NOUN
abrj-544	109	15	administered	administer	VERB
abrj-544	109	16	by	by	ADP
abrj-544	109	17	trained	train	VERB
abrj-544	109	18	enumerators	enumerator	NOUN
abrj-544	109	19	fluent	fluent	ADJ
abrj-544	109	20	in	in	ADP
abrj-544	109	21	both	both	CCONJ
abrj-544	109	22	vietnamese	vietnamese	ADJ
abrj-544	109	23	and	and	CCONJ
abrj-544	109	24	relevant	relevant	ADJ
abrj-544	109	25	ethnic	ethnic	ADJ
abrj-544	109	26	minority	minority	NOUN
abrj-544	109	27	languages	language	NOUN
abrj-544	109	28	.	.	PUNCT
abrj-544	110	1	the	the	DET
abrj-544	110	2	questionnaire	questionnaire	NOUN
abrj-544	110	3	included	include	VERB
abrj-544	110	4	modules	module	NOUN
abrj-544	110	5	covering	cover	VERB
abrj-544	110	6	household	household	NOUN
abrj-544	110	7	demographic	demographic	ADJ
abrj-544	110	8	characteristics	characteristic	NOUN
abrj-544	110	9	,	,	PUNCT
abrj-544	110	10	economic	economic	ADJ
abrj-544	110	11	activities	activity	NOUN
abrj-544	110	12	,	,	PUNCT
abrj-544	110	13	financial	financial	ADJ
abrj-544	110	14	service	service	NOUN
abrj-544	110	15	utilisation	utilisation	NOUN
abrj-544	110	16	,	,	PUNCT
abrj-544	110	17	social	social	ADJ
abrj-544	110	18	capital	capital	NOUN
abrj-544	110	19	indicators	indicator	NOUN
abrj-544	110	20	,	,	PUNCT
abrj-544	110	21	and	and	CCONJ
abrj-544	110	22	poverty	poverty	NOUN
abrj-544	110	23	-	-	PUNCT
abrj-544	110	24	related	relate	VERB
abrj-544	110	25	outcomes	outcome	NOUN
abrj-544	110	26	.	.	PUNCT
abrj-544	111	1	the	the	DET
abrj-544	111	2	average	average	ADJ
abrj-544	111	3	interview	interview	NOUN
abrj-544	111	4	duration	duration	NOUN
abrj-544	111	5	was	be	AUX
abrj-544	111	6	75	75	NUM
abrj-544	111	7	minutes	minute	NOUN
abrj-544	111	8	,	,	PUNCT
abrj-544	111	9	with	with	ADP
abrj-544	111	10	additional	additional	ADJ
abrj-544	111	11	time	time	NOUN
abrj-544	111	12	required	require	VERB
abrj-544	111	13	for	for	ADP
abrj-544	111	14	translation	translation	NOUN
abrj-544	111	15	when	when	SCONJ
abrj-544	111	16	necessary	necessary	ADJ
abrj-544	111	17	.	.	PUNCT
abrj-544	112	1	3.3	3.3	NUM
abrj-544	112	2	.	.	PUNCT
abrj-544	112	3	measurement	measurement	NOUN
abrj-544	112	4	and	and	CCONJ
abrj-544	112	5	validation	validation	NOUN
abrj-544	112	6	the	the	DET
abrj-544	112	7	study	study	NOUN
abrj-544	112	8	employed	employ	VERB
abrj-544	112	9	validated	validate	VERB
abrj-544	112	10	measurement	measurement	NOUN
abrj-544	112	11	instruments	instrument	NOUN
abrj-544	112	12	adapted	adapt	VERB
abrj-544	112	13	from	from	ADP
abrj-544	112	14	established	establish	VERB
abrj-544	112	15	studies	study	NOUN
abrj-544	112	16	in	in	ADP
abrj-544	112	17	microfinance	microfinance	NOUN
abrj-544	112	18	and	and	CCONJ
abrj-544	112	19	development	development	NOUN
abrj-544	112	20	economics	economic	NOUN
abrj-544	112	21	literature	literature	PROPN
abrj-544	112	22	.	.	PUNCT
abrj-544	113	1	microfinance	microfinance	NOUN
abrj-544	113	2	accessibility	accessibility	NOUN
abrj-544	113	3	was	be	AUX
abrj-544	113	4	measured	measure	VERB
abrj-544	113	5	using	use	VERB
abrj-544	113	6	a	a	DET
abrj-544	113	7	twelve	twelve	NUM
abrj-544	113	8	-	-	PUNCT
abrj-544	113	9	item	item	NOUN
abrj-544	113	10	scale	scale	NOUN
abrj-544	113	11	adapted	adapt	VERB
abrj-544	113	12	from	from	ADP
abrj-544	113	13	sarma	sarma	PROPN
abrj-544	113	14	(	(	PUNCT
abrj-544	113	15	2008	2008	NUM
abrj-544	113	16	)	)	PUNCT
abrj-544	113	17	and	and	CCONJ
abrj-544	113	18	demirguc	demirguc	PROPN
abrj-544	113	19	-	-	PUNCT
abrj-544	113	20	kunt	kunt	PROPN
abrj-544	113	21	et	et	PROPN
abrj-544	113	22	al	al	PROPN
abrj-544	113	23	.	.	PROPN
abrj-544	114	1	(	(	PUNCT
abrj-544	114	2	2008	2008	NUM
abrj-544	114	3	)	)	PUNCT
abrj-544	114	4	,	,	PUNCT
abrj-544	114	5	encompassing	encompass	VERB
abrj-544	114	6	both	both	CCONJ
abrj-544	114	7	geographic	geographic	ADJ
abrj-544	114	8	accessibility	accessibility	NOUN
abrj-544	114	9	(	(	PUNCT
abrj-544	114	10	four	four	NUM
abrj-544	114	11	items	item	NOUN
abrj-544	114	12	measuring	measure	VERB
abrj-544	114	13	distance	distance	NOUN
abrj-544	114	14	to	to	ADP
abrj-544	114	15	service	service	NOUN
abrj-544	114	16	points	point	NOUN
abrj-544	114	17	,	,	PUNCT
abrj-544	114	18	transportation	transportation	NOUN
abrj-544	114	19	costs	cost	NOUN
abrj-544	114	20	,	,	PUNCT
abrj-544	114	21	and	and	CCONJ
abrj-544	114	22	service	service	NOUN
abrj-544	114	23	availability	availability	NOUN
abrj-544	114	24	)	)	PUNCT
abrj-544	114	25	and	and	CCONJ
abrj-544	114	26	institutional	institutional	ADJ
abrj-544	114	27	accessibility	accessibility	NOUN
abrj-544	114	28	(	(	PUNCT
abrj-544	114	29	eight	eight	NUM
abrj-544	114	30	items	item	NOUN
abrj-544	114	31	measuring	measure	VERB
abrj-544	114	32	procedural	procedural	ADJ
abrj-544	114	33	complexity	complexity	NOUN
abrj-544	114	34	,	,	PUNCT
abrj-544	114	35	collateral	collateral	ADJ
abrj-544	114	36	requirements	requirement	NOUN
abrj-544	114	37	,	,	PUNCT
abrj-544	114	38	and	and	CCONJ
abrj-544	114	39	cultural	cultural	ADJ
abrj-544	114	40	appropriateness	appropriateness	NOUN
abrj-544	114	41	)	)	PUNCT
abrj-544	114	42	.	.	PUNCT
abrj-544	115	1	the	the	DET
abrj-544	115	2	scale	scale	NOUN
abrj-544	115	3	demonstrated	demonstrate	VERB
abrj-544	115	4	acceptable	acceptable	ADJ
abrj-544	115	5	internal	internal	ADJ
abrj-544	115	6	consistency	consistency	NOUN
abrj-544	115	7	(	(	PUNCT
abrj-544	115	8	cronbach	cronbach	VERB
abrj-544	115	9	's	's	PART
abrj-544	115	10	α	α	NOUN
abrj-544	115	11	=	=	NOUN
abrj-544	115	12	0.842	0.842	NUM
abrj-544	115	13	)	)	PUNCT
abrj-544	115	14	and	and	CCONJ
abrj-544	115	15	construct	construct	VERB
abrj-544	115	16	validity	validity	NOUN
abrj-544	115	17	through	through	ADP
abrj-544	115	18	confirmatory	confirmatory	ADJ
abrj-544	115	19	factor	factor	NOUN
abrj-544	115	20	analysis	analysis	NOUN
abrj-544	115	21	.	.	PUNCT
abrj-544	116	1	financial	financial	ADJ
abrj-544	116	2	capability	capability	NOUN
abrj-544	116	3	was	be	AUX
abrj-544	116	4	measured	measure	VERB
abrj-544	116	5	using	use	VERB
abrj-544	116	6	a	a	DET
abrj-544	116	7	fifteen	fifteen	NUM
abrj-544	116	8	-	-	PUNCT
abrj-544	116	9	item	item	NOUN
abrj-544	116	10	scale	scale	NOUN
abrj-544	116	11	adapted	adapt	VERB
abrj-544	116	12	from	from	ADP
abrj-544	116	13	lusardi	lusardi	PROPN
abrj-544	116	14	&	&	CCONJ
abrj-544	116	15	mitchell	mitchell	PROPN
abrj-544	116	16	(	(	PUNCT
abrj-544	116	17	2014	2014	NUM
abrj-544	116	18	)	)	PUNCT
abrj-544	116	19	and	and	CCONJ
abrj-544	116	20	atkinson	atkinson	PROPN
abrj-544	116	21	&	&	CCONJ
abrj-544	116	22	messy	messy	PROPN
abrj-544	116	23	(	(	PUNCT
abrj-544	116	24	2012	2012	NUM
abrj-544	116	25	)	)	PUNCT
abrj-544	116	26	,	,	PUNCT
abrj-544	116	27	incorporating	incorporate	VERB
abrj-544	116	28	both	both	DET
abrj-544	116	29	objective	objective	ADJ
abrj-544	116	30	knowledge	knowledge	NOUN
abrj-544	116	31	assessment	assessment	NOUN
abrj-544	116	32	(	(	PUNCT
abrj-544	116	33	nine	nine	NUM
abrj-544	116	34	items	item	NOUN
abrj-544	116	35	covering	cover	VERB
abrj-544	116	36	basic	basic	ADJ
abrj-544	116	37	financial	financial	ADJ
abrj-544	116	38	concepts	concept	NOUN
abrj-544	116	39	,	,	PUNCT
abrj-544	116	40	interest	interest	NOUN
abrj-544	116	41	calculations	calculation	NOUN
abrj-544	116	42	,	,	PUNCT
abrj-544	116	43	and	and	CCONJ
abrj-544	116	44	risk	risk	NOUN
abrj-544	116	45	understanding	understanding	NOUN
abrj-544	116	46	)	)	PUNCT
abrj-544	116	47	and	and	CCONJ
abrj-544	116	48	subjective	subjective	ADJ
abrj-544	116	49	confidence	confidence	NOUN
abrj-544	116	50	measures	measure	NOUN
abrj-544	116	51	(	(	PUNCT
abrj-544	116	52	six	six	NUM
abrj-544	116	53	items	item	NOUN
abrj-544	116	54	assessing	assess	VERB
abrj-544	116	55	self	self	NOUN
abrj-544	116	56	-	-	PUNCT
abrj-544	116	57	reported	report	VERB
abrj-544	116	58	financial	financial	ADJ
abrj-544	116	59	decision	decision	NOUN
abrj-544	116	60	-	-	PUNCT
abrj-544	116	61	making	make	VERB
abrj-544	116	62	confidence	confidence	NOUN
abrj-544	116	63	)	)	PUNCT
abrj-544	116	64	.	.	PUNCT
abrj-544	117	1	the	the	DET
abrj-544	117	2	scale	scale	NOUN
abrj-544	117	3	was	be	AUX
abrj-544	117	4	culturally	culturally	ADV
abrj-544	117	5	adapted	adapt	VERB
abrj-544	117	6	through	through	ADP
abrj-544	117	7	consultation	consultation	NOUN
abrj-544	117	8	with	with	ADP
abrj-544	117	9	local	local	ADJ
abrj-544	117	10	experts	expert	NOUN
abrj-544	117	11	and	and	CCONJ
abrj-544	117	12	pilot	pilot	NOUN
abrj-544	117	13	testing	testing	NOUN
abrj-544	117	14	with	with	ADP
abrj-544	117	15	rural	rural	ADJ
abrj-544	117	16	vietnamese	vietnamese	ADJ
abrj-544	117	17	households	household	NOUN
abrj-544	117	18	.	.	PUNCT
abrj-544	118	1	social	social	ADJ
abrj-544	118	2	capital	capital	NOUN
abrj-544	118	3	measurement	measurement	NOUN
abrj-544	118	4	employed	employ	VERB
abrj-544	118	5	a	a	DET
abrj-544	118	6	twenty	twenty	NUM
abrj-544	118	7	-	-	PUNCT
abrj-544	118	8	item	item	NOUN
abrj-544	118	9	scale	scale	NOUN
abrj-544	118	10	adapted	adapt	VERB
abrj-544	118	11	from	from	ADP
abrj-544	118	12	grootaert	grootaert	PROPN
abrj-544	118	13	&	&	CCONJ
abrj-544	118	14	van	van	PROPN
abrj-544	118	15	bastelaer	bastelaer	PROPN
abrj-544	118	16	(	(	PUNCT
abrj-544	118	17	2002	2002	NUM
abrj-544	118	18	)	)	PUNCT
abrj-544	118	19	and	and	CCONJ
abrj-544	118	20	krishna	krishna	PROPN
abrj-544	118	21	&	&	CCONJ
abrj-544	118	22	uphoff	uphoff	PROPN
abrj-544	118	23	(	(	PUNCT
abrj-544	118	24	2002	2002	NUM
abrj-544	118	25	)	)	PUNCT
abrj-544	118	26	,	,	PUNCT
abrj-544	118	27	capturing	capture	VERB
abrj-544	118	28	structural	structural	ADJ
abrj-544	118	29	social	social	ADJ
abrj-544	118	30	capital	capital	NOUN
abrj-544	118	31	(	(	PUNCT
abrj-544	118	32	network	network	NOUN
abrj-544	118	33	density	density	NOUN
abrj-544	118	34	and	and	CCONJ
abrj-544	118	35	participation	participation	NOUN
abrj-544	118	36	in	in	ADP
abrj-544	118	37	community	community	NOUN
abrj-544	118	38	organisations	organisation	NOUN
abrj-544	118	39	)	)	PUNCT
abrj-544	118	40	,	,	PUNCT
abrj-544	118	41	cognitive	cognitive	ADJ
abrj-544	118	42	social	social	ADJ
abrj-544	118	43	capital	capital	NOUN
abrj-544	118	44	(	(	PUNCT
abrj-544	118	45	trust	trust	NOUN
abrj-544	118	46	levels	level	NOUN
abrj-544	118	47	and	and	CCONJ
abrj-544	118	48	shared	share	VERB
abrj-544	118	49	norms	norm	NOUN
abrj-544	118	50	)	)	PUNCT
abrj-544	118	51	,	,	PUNCT
abrj-544	118	52	and	and	CCONJ
abrj-544	118	53	relational	relational	ADJ
abrj-544	118	54	social	social	ADJ
abrj-544	118	55	capital	capital	NOUN
abrj-544	118	56	(	(	PUNCT
abrj-544	118	57	reciprocity	reciprocity	NOUN
abrj-544	118	58	and	and	CCONJ
abrj-544	118	59	social	social	ADJ
abrj-544	118	60	cohesion	cohesion	NOUN
abrj-544	118	61	indicators	indicator	NOUN
abrj-544	118	62	)	)	PUNCT
abrj-544	118	63	.	.	PUNCT
abrj-544	119	1	the	the	DET
abrj-544	119	2	scale	scale	NOUN
abrj-544	119	3	demonstrated	demonstrate	VERB
abrj-544	119	4	strong	strong	ADJ
abrj-544	119	5	psychometric	psychometric	ADJ
abrj-544	119	6	properties	property	NOUN
abrj-544	119	7	with	with	ADP
abrj-544	119	8	cronbach	cronbach	PROPN
abrj-544	119	9	's	's	PART
abrj-544	119	10	α	α	NOUN
abrj-544	119	11	=	=	NOUN
abrj-544	119	12	0.789	0.789	NUM
abrj-544	119	13	for	for	ADP
abrj-544	119	14	the	the	DET
abrj-544	119	15	overall	overall	ADJ
abrj-544	119	16	measure	measure	NOUN
abrj-544	119	17	.	.	PUNCT
abrj-544	120	1	poverty	poverty	NOUN
abrj-544	120	2	reduction	reduction	NOUN
abrj-544	120	3	outcomes	outcome	NOUN
abrj-544	120	4	were	be	AUX
abrj-544	120	5	measured	measure	VERB
abrj-544	120	6	through	through	ADP
abrj-544	120	7	a	a	DET
abrj-544	120	8	multidimensional	multidimensional	ADJ
abrj-544	120	9	approach	approach	NOUN
abrj-544	120	10	incorporating	incorporate	VERB
abrj-544	120	11	both	both	CCONJ
abrj-544	120	12	monetary	monetary	ADJ
abrj-544	120	13	and	and	CCONJ
abrj-544	120	14	non	non	ADJ
abrj-544	120	15	-	-	ADJ
abrj-544	120	16	monetary	monetary	ADJ
abrj-544	120	17	welfare	welfare	NOUN
abrj-544	120	18	indicators	indicator	NOUN
abrj-544	120	19	.	.	PUNCT
abrj-544	121	1	monetary	monetary	ADJ
abrj-544	121	2	indicators	indicator	NOUN
abrj-544	121	3	included	include	VERB
abrj-544	121	4	household	household	NOUN
abrj-544	121	5	income	income	NOUN
abrj-544	121	6	,	,	PUNCT
abrj-544	121	7	asset	asset	NOUN
abrj-544	121	8	accumulation	accumulation	NOUN
abrj-544	121	9	,	,	PUNCT
abrj-544	121	10	and	and	CCONJ
abrj-544	121	11	expenditure	expenditure	NOUN
abrj-544	121	12	patterns	pattern	NOUN
abrj-544	121	13	,	,	PUNCT
abrj-544	121	14	while	while	SCONJ
abrj-544	121	15	non	non	ADJ
abrj-544	121	16	-	-	ADJ
abrj-544	121	17	monetary	monetary	ADJ
abrj-544	121	18	indicators	indicator	NOUN
abrj-544	121	19	encompassed	encompass	VERB
abrj-544	121	20	food	food	NOUN
abrj-544	121	21	security	security	NOUN
abrj-544	121	22	,	,	PUNCT
abrj-544	121	23	health	health	NOUN
abrj-544	121	24	outcomes	outcome	NOUN
abrj-544	121	25	,	,	PUNCT
abrj-544	121	26	educational	educational	ADJ
abrj-544	121	27	investments	investment	NOUN
abrj-544	121	28	,	,	PUNCT
abrj-544	121	29	and	and	CCONJ
abrj-544	121	30	housing	housing	NOUN
abrj-544	121	31	quality	quality	NOUN
abrj-544	121	32	.	.	PUNCT
abrj-544	122	1	the	the	DET
abrj-544	122	2	measurement	measurement	NOUN
abrj-544	122	3	approach	approach	NOUN
abrj-544	122	4	was	be	AUX
abrj-544	122	5	informed	inform	VERB
abrj-544	122	6	by	by	ADP
abrj-544	122	7	the	the	DET
abrj-544	122	8	capability	capability	NOUN
abrj-544	122	9	approach	approach	NOUN
abrj-544	122	10	framework	framework	NOUN
abrj-544	122	11	and	and	CCONJ
abrj-544	122	12	vietnamese	vietnamese	ADJ
abrj-544	122	13	national	national	ADJ
abrj-544	122	14	poverty	poverty	PROPN
abrj-544	122	15	measurement	measurement	NOUN
abrj-544	122	16	standards	standard	NOUN
abrj-544	122	17	.	.	PUNCT
abrj-544	123	1	3.4	3.4	NUM
abrj-544	123	2	.	.	PUNCT
abrj-544	123	3	analytical	analytical	ADJ
abrj-544	123	4	procedure	procedure	NOUN
abrj-544	123	5	the	the	DET
abrj-544	123	6	analytical	analytical	ADJ
abrj-544	123	7	procedure	procedure	NOUN
abrj-544	123	8	employed	employ	VERB
abrj-544	123	9	a	a	DET
abrj-544	123	10	two	two	NUM
abrj-544	123	11	-	-	PUNCT
abrj-544	123	12	stage	stage	NOUN
abrj-544	123	13	approach	approach	NOUN
abrj-544	123	14	combining	combine	VERB
abrj-544	123	15	pls	pls	NOUN
abrj-544	123	16	-	-	PUNCT
abrj-544	123	17	sem	sem	NOUN
abrj-544	123	18	analysis	analysis	NOUN
abrj-544	123	19	with	with	ADP
abrj-544	123	20	fsqca	fsqca	NOUN
abrj-544	123	21	to	to	PART
abrj-544	123	22	examine	examine	VERB
abrj-544	123	23	both	both	DET
abrj-544	123	24	linear	linear	ADJ
abrj-544	123	25	relationships	relationship	NOUN
abrj-544	123	26	and	and	CCONJ
abrj-544	123	27	configurational	configurational	ADJ
abrj-544	123	28	patterns	pattern	NOUN
abrj-544	123	29	within	within	ADP
abrj-544	123	30	the	the	DET
abrj-544	123	31	data	datum	NOUN
abrj-544	123	32	.	.	PUNCT
abrj-544	124	1	the	the	DET
abrj-544	124	2	first	first	ADJ
abrj-544	124	3	stage	stage	NOUN
abrj-544	124	4	involved	involve	VERB
abrj-544	124	5	comprehensive	comprehensive	ADJ
abrj-544	124	6	assessment	assessment	NOUN
abrj-544	124	7	of	of	ADP
abrj-544	124	8	the	the	DET
abrj-544	124	9	measurement	measurement	NOUN
abrj-544	124	10	model	model	NOUN
abrj-544	124	11	through	through	ADP
abrj-544	124	12	exploratory	exploratory	ADJ
abrj-544	124	13	factor	factor	NOUN
abrj-544	124	14	analysis	analysis	NOUN
abrj-544	124	15	(	(	PUNCT
abrj-544	124	16	efa	efa	PROPN
abrj-544	124	17	)	)	PUNCT
abrj-544	124	18	,	,	PUNCT
abrj-544	124	19	confirmatory	confirmatory	NOUN
abrj-544	124	20	factor	factor	NOUN
abrj-544	124	21	analysis	analysis	NOUN
abrj-544	124	22	(	(	PUNCT
abrj-544	124	23	cfa	cfa	NOUN
abrj-544	124	24	)	)	PUNCT
abrj-544	124	25	,	,	PUNCT
abrj-544	124	26	and	and	CCONJ
abrj-544	124	27	reliability	reliability	NOUN
abrj-544	124	28	testing	testing	NOUN
abrj-544	124	29	.	.	PUNCT
abrj-544	125	1	the	the	DET
abrj-544	125	2	second	second	ADJ
abrj-544	125	3	stage	stage	NOUN
abrj-544	125	4	involved	involve	VERB
abrj-544	125	5	structural	structural	ADJ
abrj-544	125	6	model	model	NOUN
abrj-544	125	7	estimation	estimation	NOUN
abrj-544	125	8	using	use	VERB
abrj-544	125	9	smartpls	smartpls	NOUN
abrj-544	125	10	4.0	4.0	NUM
abrj-544	125	11	software	software	NOUN
abrj-544	125	12	,	,	PUNCT
abrj-544	125	13	followed	follow	VERB
abrj-544	125	14	by	by	ADP
abrj-544	125	15	fsqca	fsqca	NOUN
abrj-544	125	16	analysis	analysis	NOUN
abrj-544	125	17	using	use	VERB
abrj-544	125	18	fsqca	fsqca	PROPN
abrj-544	125	19	3.0	3.0	NUM
abrj-544	125	20	software	software	NOUN
abrj-544	125	21	to	to	PART
abrj-544	125	22	identify	identify	VERB
abrj-544	125	23	configurational	configurational	ADJ
abrj-544	125	24	pathways	pathway	NOUN
abrj-544	125	25	.	.	PUNCT
abrj-544	126	1	the	the	DET
abrj-544	126	2	pls	pls	PROPN
abrj-544	126	3	-	-	PUNCT
abrj-544	126	4	sem	sem	NOUN
abrj-544	126	5	analysis	analysis	NOUN
abrj-544	126	6	followed	follow	VERB
abrj-544	126	7	established	establish	VERB
abrj-544	126	8	protocols	protocol	NOUN
abrj-544	126	9	for	for	ADP
abrj-544	126	10	assessment	assessment	NOUN
abrj-544	126	11	of	of	ADP
abrj-544	126	12	measurement	measurement	NOUN
abrj-544	126	13	model	model	NOUN
abrj-544	126	14	quality	quality	NOUN
abrj-544	126	15	,	,	PUNCT
abrj-544	126	16	including	include	VERB
abrj-544	126	17	evaluation	evaluation	NOUN
abrj-544	126	18	of	of	ADP
abrj-544	126	19	indicator	indicator	NOUN
abrj-544	126	20	reliability	reliability	NOUN
abrj-544	126	21	,	,	PUNCT
abrj-544	126	22	internal	internal	ADJ
abrj-544	126	23	consistency	consistency	NOUN
abrj-544	126	24	reliability	reliability	NOUN
abrj-544	126	25	,	,	PUNCT
abrj-544	126	26	convergent	convergent	NOUN
abrj-544	126	27	validity	validity	NOUN
abrj-544	126	28	,	,	PUNCT
abrj-544	126	29	and	and	CCONJ
abrj-544	126	30	discriminant	discriminant	ADJ
abrj-544	126	31	validity	validity	NOUN
abrj-544	126	32	.	.	PUNCT
abrj-544	127	1	the	the	DET
abrj-544	127	2	structural	structural	ADJ
abrj-544	127	3	model	model	NOUN
abrj-544	127	4	assessment	assessment	NOUN
abrj-544	127	5	examined	examine	VERB
abrj-544	127	6	path	path	NOUN
abrj-544	127	7	coefficients	coefficient	NOUN
abrj-544	127	8	,	,	PUNCT
abrj-544	127	9	significance	significance	NOUN
abrj-544	127	10	levels	level	NOUN
abrj-544	127	11	,	,	PUNCT
abrj-544	127	12	effect	effect	NOUN
abrj-544	127	13	sizes	size	NOUN
abrj-544	127	14	,	,	PUNCT
abrj-544	127	15	and	and	CCONJ
abrj-544	127	16	predictive	predictive	ADJ
abrj-544	127	17	relevance	relevance	NOUN
abrj-544	127	18	through	through	ADP
abrj-544	127	19	bootstrapping	bootstrappe	VERB
abrj-544	127	20	procedures	procedure	NOUN
abrj-544	127	21	with	with	ADP
abrj-544	127	22	5,000	5,000	NUM
abrj-544	127	23	resamples	resample	NOUN
abrj-544	127	24	.	.	PUNCT
abrj-544	128	1	moderating	moderate	VERB
abrj-544	128	2	effects	effect	NOUN
abrj-544	128	3	were	be	AUX
abrj-544	128	4	tested	test	VERB
abrj-544	128	5	using	use	VERB
abrj-544	128	6	the	the	DET
abrj-544	128	7	product	product	NOUN
abrj-544	128	8	indicator	indicator	NOUN
abrj-544	128	9	approach	approach	NOUN
abrj-544	128	10	,	,	PUNCT
abrj-544	128	11	while	while	SCONJ
abrj-544	128	12	mediating	mediating	NOUN
abrj-544	128	13	effects	effect	NOUN
abrj-544	128	14	were	be	AUX
abrj-544	128	15	examined	examine	VERB
abrj-544	128	16	through	through	ADP
abrj-544	128	17	bias	bias	NOUN
abrj-544	128	18	-	-	PUNCT
abrj-544	128	19	corrected	correct	VERB
abrj-544	128	20	bootstrap	bootstrap	NOUN
abrj-544	128	21	confidence	confidence	NOUN
abrj-544	128	22	intervals	interval	NOUN
abrj-544	128	23	.	.	PUNCT
abrj-544	129	1	asian	asian	ADJ
abrj-544	129	2	business	business	PROPN
abrj-544	129	3	research	research	NOUN
abrj-544	129	4	journal	journal	NOUN
abrj-544	129	5	,	,	PUNCT
abrj-544	129	6	2025	2025	NUM
abrj-544	129	7	,	,	PUNCT
abrj-544	129	8	10(8	10(8	NUM
abrj-544	129	9	):	):	PUNCT
abrj-544	129	10	85	85	NUM
abrj-544	129	11	-	-	SYM
abrj-544	129	12	94	94	NUM
abrj-544	129	13	90	90	NUM
abrj-544	129	14	©	©	PROPN
abrj-544	129	15	2025	2025	NUM
abrj-544	129	16	by	by	ADP
abrj-544	129	17	the	the	DET
abrj-544	129	18	author	author	NOUN
abrj-544	129	19	;	;	PUNCT
abrj-544	129	20	licensee	licensee	NOUN
abrj-544	129	21	eastern	eastern	ADJ
abrj-544	129	22	centre	centre	NOUN
abrj-544	129	23	of	of	ADP
abrj-544	129	24	science	science	NOUN
abrj-544	129	25	and	and	CCONJ
abrj-544	129	26	education	education	NOUN
abrj-544	129	27	,	,	PUNCT
abrj-544	129	28	usa	usa	PROPN
abrj-544	129	29	the	the	DET
abrj-544	129	30	fsqca	fsqca	NOUN
abrj-544	129	31	analysis	analysis	NOUN
abrj-544	129	32	involved	involve	VERB
abrj-544	129	33	calibration	calibration	NOUN
abrj-544	129	34	of	of	ADP
abrj-544	129	35	key	key	ADJ
abrj-544	129	36	variables	variable	NOUN
abrj-544	129	37	into	into	ADP
abrj-544	129	38	fuzzy	fuzzy	ADJ
abrj-544	129	39	-	-	PUNCT
abrj-544	129	40	set	set	VERB
abrj-544	129	41	membership	membership	NOUN
abrj-544	129	42	scores	score	NOUN
abrj-544	129	43	,	,	PUNCT
abrj-544	129	44	followed	follow	VERB
abrj-544	129	45	by	by	ADP
abrj-544	129	46	analysis	analysis	NOUN
abrj-544	129	47	of	of	ADP
abrj-544	129	48	necessary	necessary	ADJ
abrj-544	129	49	and	and	CCONJ
abrj-544	129	50	sufficient	sufficient	ADJ
abrj-544	129	51	conditions	condition	NOUN
abrj-544	129	52	for	for	ADP
abrj-544	129	53	poverty	poverty	NOUN
abrj-544	129	54	reduction	reduction	NOUN
abrj-544	129	55	outcomes	outcome	NOUN
abrj-544	129	56	.	.	PUNCT
abrj-544	130	1	the	the	DET
abrj-544	130	2	analysis	analysis	NOUN
abrj-544	130	3	employed	employ	VERB
abrj-544	130	4	consistency	consistency	NOUN
abrj-544	130	5	and	and	CCONJ
abrj-544	130	6	coverage	coverage	NOUN
abrj-544	130	7	thresholds	threshold	NOUN
abrj-544	130	8	of	of	ADP
abrj-544	130	9	0.80	0.80	NUM
abrj-544	130	10	and	and	CCONJ
abrj-544	130	11	0.25	0.25	NUM
abrj-544	130	12	respectively	respectively	ADV
abrj-544	130	13	,	,	PUNCT
abrj-544	130	14	consistent	consistent	ADJ
abrj-544	130	15	with	with	ADP
abrj-544	130	16	established	establish	VERB
abrj-544	130	17	fsqca	fsqca	NOUN
abrj-544	130	18	protocols	protocol	NOUN
abrj-544	130	19	.	.	PUNCT
abrj-544	131	1	the	the	DET
abrj-544	131	2	configurational	configurational	ADJ
abrj-544	131	3	analysis	analysis	NOUN
abrj-544	131	4	examined	examine	VERB
abrj-544	131	5	multiple	multiple	ADJ
abrj-544	131	6	pathways	pathway	NOUN
abrj-544	131	7	through	through	ADP
abrj-544	131	8	which	which	PRON
abrj-544	131	9	combinations	combination	NOUN
abrj-544	131	10	of	of	ADP
abrj-544	131	11	microfinance	microfinance	NOUN
abrj-544	131	12	accessibility	accessibility	NOUN
abrj-544	131	13	,	,	PUNCT
abrj-544	131	14	financial	financial	ADJ
abrj-544	131	15	capability	capability	NOUN
abrj-544	131	16	,	,	PUNCT
abrj-544	131	17	and	and	CCONJ
abrj-544	131	18	social	social	ADJ
abrj-544	131	19	capital	capital	NOUN
abrj-544	131	20	contribute	contribute	VERB
abrj-544	131	21	to	to	ADP
abrj-544	131	22	poverty	poverty	NOUN
abrj-544	131	23	reduction	reduction	NOUN
abrj-544	131	24	outcomes	outcome	NOUN
abrj-544	131	25	.	.	PUNCT
abrj-544	132	1	4	4	X
abrj-544	132	2	.	.	X
abrj-544	132	3	research	research	NOUN
abrj-544	132	4	findings	finding	NOUN
abrj-544	132	5	4.1	4.1	NUM
abrj-544	132	6	.	.	PUNCT
abrj-544	133	1	measurement	measurement	NOUN
abrj-544	133	2	model	model	PROPN
abrj-544	133	3	assessment	assessment	NOUN
abrj-544	133	4	the	the	DET
abrj-544	133	5	measurement	measurement	NOUN
abrj-544	133	6	model	model	NOUN
abrj-544	133	7	assessment	assessment	NOUN
abrj-544	133	8	commenced	commence	VERB
abrj-544	133	9	with	with	ADP
abrj-544	133	10	exploratory	exploratory	ADJ
abrj-544	133	11	factor	factor	NOUN
abrj-544	133	12	analysis	analysis	NOUN
abrj-544	133	13	(	(	PUNCT
abrj-544	133	14	efa	efa	PROPN
abrj-544	133	15	)	)	PUNCT
abrj-544	133	16	employing	employ	VERB
abrj-544	133	17	principal	principal	ADJ
abrj-544	133	18	component	component	NOUN
abrj-544	133	19	analysis	analysis	NOUN
abrj-544	133	20	with	with	ADP
abrj-544	133	21	varimax	varimax	ADJ
abrj-544	133	22	rotation	rotation	NOUN
abrj-544	133	23	to	to	PART
abrj-544	133	24	ensure	ensure	VERB
abrj-544	133	25	construct	construct	VERB
abrj-544	133	26	validity	validity	NOUN
abrj-544	133	27	and	and	CCONJ
abrj-544	133	28	appropriate	appropriate	ADJ
abrj-544	133	29	factor	factor	NOUN
abrj-544	133	30	structure	structure	NOUN
abrj-544	133	31	.	.	PUNCT
abrj-544	134	1	the	the	DET
abrj-544	134	2	efa	efa	PROPN
abrj-544	134	3	results	result	NOUN
abrj-544	134	4	revealed	reveal	VERB
abrj-544	134	5	five	five	NUM
abrj-544	134	6	distinct	distinct	ADJ
abrj-544	134	7	factors	factor	NOUN
abrj-544	134	8	corresponding	correspond	VERB
abrj-544	134	9	to	to	ADP
abrj-544	134	10	the	the	DET
abrj-544	134	11	theoretical	theoretical	ADJ
abrj-544	134	12	constructs	construct	NOUN
abrj-544	134	13	,	,	PUNCT
abrj-544	134	14	with	with	ADP
abrj-544	134	15	eigenvalues	eigenvalue	NOUN
abrj-544	134	16	exceeding	exceed	VERB
abrj-544	134	17	1.0	1.0	NUM
abrj-544	134	18	and	and	CCONJ
abrj-544	134	19	cumulative	cumulative	ADJ
abrj-544	134	20	variance	variance	NOUN
abrj-544	134	21	explained	explain	VERB
abrj-544	134	22	of	of	ADP
abrj-544	134	23	68.4	68.4	NUM
abrj-544	134	24	%	%	NOUN
abrj-544	134	25	.	.	PUNCT
abrj-544	135	1	the	the	DET
abrj-544	135	2	kaiser	kaiser	PROPN
abrj-544	135	3	-	-	PUNCT
abrj-544	135	4	meyer	meyer	PROPN
abrj-544	135	5	-	-	PUNCT
abrj-544	135	6	olkin	olkin	NOUN
abrj-544	135	7	measure	measure	NOUN
abrj-544	135	8	of	of	ADP
abrj-544	135	9	sampling	sample	VERB
abrj-544	135	10	adequacy	adequacy	NOUN
abrj-544	135	11	was	be	AUX
abrj-544	135	12	0.831	0.831	NUM
abrj-544	135	13	,	,	PUNCT
abrj-544	135	14	indicating	indicate	VERB
abrj-544	135	15	suitability	suitability	NOUN
abrj-544	135	16	for	for	ADP
abrj-544	135	17	factor	factor	NOUN
abrj-544	135	18	analysis	analysis	NOUN
abrj-544	135	19	,	,	PUNCT
abrj-544	135	20	while	while	SCONJ
abrj-544	135	21	bartlett	bartlett	PROPN
abrj-544	135	22	's	's	PART
abrj-544	135	23	test	test	NOUN
abrj-544	135	24	of	of	ADP
abrj-544	135	25	sphericity	sphericity	NOUN
abrj-544	135	26	was	be	AUX
abrj-544	135	27	highly	highly	ADV
abrj-544	135	28	significant	significant	ADJ
abrj-544	135	29	(	(	PUNCT
abrj-544	135	30	χ²	χ²	NOUN
abrj-544	135	31	=	=	SYM
abrj-544	135	32	3,247.6	3,247.6	NUM
abrj-544	135	33	,	,	PUNCT
abrj-544	135	34	p	p	X
abrj-544	135	35	<	<	X
abrj-544	135	36	0.001	0.001	NUM
abrj-544	135	37	)	)	PUNCT
abrj-544	135	38	.	.	PUNCT
abrj-544	136	1	the	the	DET
abrj-544	136	2	confirmatory	confirmatory	ADJ
abrj-544	136	3	factor	factor	NOUN
abrj-544	136	4	analysis	analysis	NOUN
abrj-544	136	5	(	(	PUNCT
abrj-544	136	6	cfa	cfa	NOUN
abrj-544	136	7	)	)	PUNCT
abrj-544	136	8	validated	validate	VERB
abrj-544	136	9	the	the	DET
abrj-544	136	10	measurement	measurement	NOUN
abrj-544	136	11	model	model	NOUN
abrj-544	136	12	structure	structure	NOUN
abrj-544	136	13	,	,	PUNCT
abrj-544	136	14	with	with	ADP
abrj-544	136	15	standardised	standardised	ADJ
abrj-544	136	16	factor	factor	NOUN
abrj-544	136	17	loadings	loading	NOUN
abrj-544	136	18	ranging	range	VERB
abrj-544	136	19	from	from	ADP
abrj-544	136	20	0.708	0.708	NUM
abrj-544	136	21	to	to	ADP
abrj-544	136	22	0.896	0.896	NUM
abrj-544	136	23	,	,	PUNCT
abrj-544	136	24	exceeding	exceed	VERB
abrj-544	136	25	the	the	DET
abrj-544	136	26	recommended	recommend	VERB
abrj-544	136	27	threshold	threshold	NOUN
abrj-544	136	28	of	of	ADP
abrj-544	136	29	0.7	0.7	NUM
abrj-544	136	30	(	(	PUNCT
abrj-544	136	31	hair	hair	NOUN
abrj-544	136	32	et	et	PROPN
abrj-544	136	33	al	al	PROPN
abrj-544	136	34	.	.	PROPN
abrj-544	136	35	,	,	PUNCT
abrj-544	136	36	2017	2017	NUM
abrj-544	136	37	)	)	PUNCT
abrj-544	136	38	.	.	PUNCT
abrj-544	137	1	the	the	DET
abrj-544	137	2	composite	composite	ADJ
abrj-544	137	3	reliability	reliability	NOUN
abrj-544	137	4	values	value	NOUN
abrj-544	137	5	ranged	range	VERB
abrj-544	137	6	from	from	ADP
abrj-544	137	7	0.842	0.842	NUM
abrj-544	137	8	to	to	ADP
abrj-544	137	9	0.923	0.923	NUM
abrj-544	137	10	,	,	PUNCT
abrj-544	137	11	surpassing	surpass	VERB
abrj-544	137	12	the	the	DET
abrj-544	137	13	minimum	minimum	ADJ
abrj-544	137	14	threshold	threshold	NOUN
abrj-544	137	15	of	of	ADP
abrj-544	137	16	0.7	0.7	NUM
abrj-544	137	17	,	,	PUNCT
abrj-544	137	18	while	while	SCONJ
abrj-544	137	19	cronbach	cronbach	VERB
abrj-544	137	20	's	's	PART
abrj-544	137	21	alpha	alpha	ADJ
abrj-544	137	22	coefficients	coefficient	NOUN
abrj-544	137	23	ranged	range	VERB
abrj-544	137	24	from	from	ADP
abrj-544	137	25	0.789	0.789	NUM
abrj-544	137	26	to	to	ADP
abrj-544	137	27	0.887	0.887	NUM
abrj-544	137	28	,	,	PUNCT
abrj-544	137	29	indicating	indicate	VERB
abrj-544	137	30	acceptable	acceptable	ADJ
abrj-544	137	31	internal	internal	ADJ
abrj-544	137	32	consistency	consistency	NOUN
abrj-544	137	33	reliability	reliability	NOUN
abrj-544	137	34	.	.	PUNCT
abrj-544	138	1	table	table	NOUN
abrj-544	138	2	1	1	NUM
abrj-544	138	3	.	.	PUNCT
abrj-544	138	4	measurement	measurement	NOUN
abrj-544	138	5	model	model	PROPN
abrj-544	138	6	assessment	assessment	NOUN
abrj-544	138	7	results	result	VERB
abrj-544	138	8	.	.	PUNCT
abrj-544	139	1	construct	construct	VERB
abrj-544	139	2	items	item	NOUN
abrj-544	139	3	loading	load	VERB
abrj-544	139	4	range	range	NOUN
abrj-544	139	5	cronbach	cronbach	NOUN
abrj-544	139	6	's	's	PART
abrj-544	139	7	α	α	PRON
abrj-544	139	8	composite	composite	ADJ
abrj-544	139	9	reliability	reliability	NOUN
abrj-544	139	10	ave	ave	NOUN
abrj-544	139	11	microfinance	microfinance	NOUN
abrj-544	139	12	accessibility	accessibility	NOUN
abrj-544	139	13	(	(	PUNCT
abrj-544	139	14	mfa	mfa	PROPN
abrj-544	139	15	)	)	PUNCT
abrj-544	139	16	12	12	NUM
abrj-544	139	17	0.708	0.708	NUM
abrj-544	139	18	-	-	PUNCT
abrj-544	139	19	0.834	0.834	NUM
abrj-544	139	20	0.842	0.842	NUM
abrj-544	139	21	0.876	0.876	NUM
abrj-544	139	22	0.545	0.545	NUM
abrj-544	139	23	financial	financial	ADJ
abrj-544	139	24	capability	capability	NOUN
abrj-544	139	25	(	(	PUNCT
abrj-544	139	26	fc	fc	INTJ
abrj-544	139	27	)	)	PUNCT
abrj-544	139	28	15	15	NUM
abrj-544	139	29	0.725	0.725	NUM
abrj-544	139	30	-	-	NUM
abrj-544	139	31	0.879	0.879	NUM
abrj-544	139	32	0.865	0.865	NUM
abrj-544	139	33	0.892	0.892	NUM
abrj-544	139	34	0.523	0.523	NUM
abrj-544	139	35	social	social	ADJ
abrj-544	139	36	capital	capital	NOUN
abrj-544	139	37	(	(	PUNCT
abrj-544	139	38	sc	sc	PROPN
abrj-544	139	39	)	)	PUNCT
abrj-544	139	40	20	20	NUM
abrj-544	139	41	0.734	0.734	NUM
abrj-544	139	42	-	-	NUM
abrj-544	139	43	0.896	0.896	NUM
abrj-544	139	44	0.789	0.789	NUM
abrj-544	139	45	0.842	0.842	NUM
abrj-544	139	46	0.478	0.478	NUM
abrj-544	139	47	geographic	geographic	ADJ
abrj-544	139	48	remoteness	remoteness	NOUN
abrj-544	139	49	(	(	PUNCT
abrj-544	139	50	gr	gr	NOUN
abrj-544	139	51	)	)	PUNCT
abrj-544	139	52	6	6	NUM
abrj-544	139	53	0.756	0.756	NUM
abrj-544	139	54	-	-	PUNCT
abrj-544	139	55	0.823	0.823	NUM
abrj-544	139	56	0.798	0.798	NUM
abrj-544	139	57	0.856	0.856	NUM
abrj-544	139	58	0.544	0.544	NUM
abrj-544	139	59	institutional	institutional	ADJ
abrj-544	139	60	quality	quality	NOUN
abrj-544	139	61	(	(	PUNCT
abrj-544	139	62	iq	iq	NOUN
abrj-544	139	63	)	)	PUNCT
abrj-544	139	64	8	8	NUM
abrj-544	139	65	0.741	0.741	NUM
abrj-544	139	66	-	-	PUNCT
abrj-544	139	67	0.868	0.868	NUM
abrj-544	139	68	0.823	0.823	NUM
abrj-544	139	69	0.874	0.874	NUM
abrj-544	139	70	0.536	0.536	NUM
abrj-544	139	71	poverty	poverty	NOUN
abrj-544	139	72	reduction	reduction	NOUN
abrj-544	139	73	outcomes	outcome	NOUN
abrj-544	139	74	(	(	PUNCT
abrj-544	139	75	pro	pro	ADJ
abrj-544	139	76	)	)	PUNCT
abrj-544	139	77	16	16	NUM
abrj-544	139	78	0.712	0.712	NUM
abrj-544	139	79	-	-	PUNCT
abrj-544	139	80	0.887	0.887	NUM
abrj-544	139	81	0.887	0.887	NUM
abrj-544	139	82	0.923	0.923	NUM
abrj-544	139	83	0.557	0.557	NUM
abrj-544	139	84	convergent	convergent	NOUN
abrj-544	139	85	validity	validity	NOUN
abrj-544	139	86	was	be	AUX
abrj-544	139	87	assessed	assess	VERB
abrj-544	139	88	using	use	VERB
abrj-544	139	89	the	the	DET
abrj-544	139	90	average	average	ADJ
abrj-544	139	91	variance	variance	NOUN
abrj-544	139	92	extracted	extract	VERB
abrj-544	139	93	(	(	PUNCT
abrj-544	139	94	ave	ave	PROPN
abrj-544	139	95	)	)	PUNCT
abrj-544	139	96	,	,	PUNCT
abrj-544	139	97	with	with	ADP
abrj-544	139	98	all	all	DET
abrj-544	139	99	constructs	construct	NOUN
abrj-544	139	100	achieving	achieve	VERB
abrj-544	139	101	ave	ave	NOUN
abrj-544	139	102	values	value	NOUN
abrj-544	139	103	above	above	ADP
abrj-544	139	104	0.40	0.40	NUM
abrj-544	139	105	,	,	PUNCT
abrj-544	139	106	indicating	indicate	VERB
abrj-544	139	107	adequate	adequate	ADJ
abrj-544	139	108	convergent	convergent	ADJ
abrj-544	139	109	validity	validity	NOUN
abrj-544	139	110	despite	despite	SCONJ
abrj-544	139	111	being	be	AUX
abrj-544	139	112	slightly	slightly	ADV
abrj-544	139	113	below	below	ADP
abrj-544	139	114	the	the	DET
abrj-544	139	115	conventional	conventional	ADJ
abrj-544	139	116	0.5	0.5	NUM
abrj-544	139	117	threshold	threshold	NOUN
abrj-544	139	118	for	for	ADP
abrj-544	139	119	some	some	DET
abrj-544	139	120	constructs	construct	NOUN
abrj-544	139	121	.	.	PUNCT
abrj-544	140	1	the	the	DET
abrj-544	140	2	lower	low	ADJ
abrj-544	140	3	ave	ave	PROPN
abrj-544	140	4	values	value	NOUN
abrj-544	140	5	reflect	reflect	VERB
abrj-544	140	6	the	the	DET
abrj-544	140	7	multidimensional	multidimensional	ADJ
abrj-544	140	8	nature	nature	NOUN
abrj-544	140	9	of	of	ADP
abrj-544	140	10	the	the	DET
abrj-544	140	11	constructs	construct	NOUN
abrj-544	140	12	,	,	PUNCT
abrj-544	140	13	particularly	particularly	ADV
abrj-544	140	14	social	social	ADJ
abrj-544	140	15	capital	capital	NOUN
abrj-544	140	16	and	and	CCONJ
abrj-544	140	17	financial	financial	ADJ
abrj-544	140	18	capability	capability	NOUN
abrj-544	140	19	,	,	PUNCT
abrj-544	140	20	which	which	PRON
abrj-544	140	21	encompass	encompass	VERB
abrj-544	140	22	diverse	diverse	ADJ
abrj-544	140	23	conceptual	conceptual	ADJ
abrj-544	140	24	dimensions	dimension	NOUN
abrj-544	140	25	.	.	PUNCT
abrj-544	141	1	table	table	NOUN
abrj-544	141	2	2	2	NUM
abrj-544	141	3	:	:	PUNCT
abrj-544	141	4	discriminant	discriminant	ADJ
abrj-544	141	5	validity	validity	NOUN
abrj-544	141	6	assessment	assessment	NOUN
abrj-544	141	7	(	(	PUNCT
abrj-544	141	8	fornell	fornell	NOUN
abrj-544	141	9	-	-	PUNCT
abrj-544	141	10	larcker	larcker	NOUN
abrj-544	141	11	criterion	criterion	NOUN
abrj-544	141	12	)	)	PUNCT
abrj-544	141	13	construct	construct	VERB
abrj-544	142	1	mfa	mfa	PROPN
abrj-544	142	2	fc	fc	PROPN
abrj-544	142	3	sc	sc	PROPN
abrj-544	142	4	gr	gr	PROPN
abrj-544	142	5	iq	iq	PROPN
abrj-544	142	6	pro	pro	X
abrj-544	142	7	mfa	mfa	PROPN
abrj-544	142	8	0.738	0.738	NUM
abrj-544	142	9	fc	fc	PROPN
abrj-544	142	10	0.456	0.456	NUM
abrj-544	142	11	0.723	0.723	NUM
abrj-544	142	12	sc	sc	PROPN
abrj-544	142	13	0.387	0.387	NUM
abrj-544	142	14	0.542	0.542	NUM
abrj-544	142	15	0.692	0.692	NUM
abrj-544	142	16	gr	gr	ADP
abrj-544	142	17	-0.234	-0.234	PUNCT
abrj-544	142	18	-0.198	-0.198	NOUN
abrj-544	142	19	-0.156	-0.156	NUM
abrj-544	142	20	0.738	0.738	NUM
abrj-544	142	21	iq	iq	VERB
abrj-544	142	22	0.298	0.298	NUM
abrj-544	142	23	0.367	0.367	NUM
abrj-544	142	24	0.423	0.423	NUM
abrj-544	142	25	-0.345	-0.345	NUM
abrj-544	142	26	0.732	0.732	NUM
abrj-544	142	27	pro	pro	X
abrj-544	142	28	0.523	0.523	NUM
abrj-544	142	29	0.634	0.634	NUM
abrj-544	142	30	0.578	0.578	NUM
abrj-544	142	31	-0.289	-0.289	NUM
abrj-544	142	32	0.445	0.445	NUM
abrj-544	142	33	0.746	0.746	NUM
abrj-544	142	34	discriminant	discriminant	ADJ
abrj-544	142	35	validity	validity	NOUN
abrj-544	142	36	was	be	AUX
abrj-544	142	37	evaluated	evaluate	VERB
abrj-544	142	38	using	use	VERB
abrj-544	142	39	both	both	CCONJ
abrj-544	142	40	the	the	DET
abrj-544	142	41	fornell	fornell	ADJ
abrj-544	142	42	-	-	PUNCT
abrj-544	142	43	larcker	larcker	NOUN
abrj-544	142	44	criterion	criterion	NOUN
abrj-544	142	45	and	and	CCONJ
abrj-544	142	46	the	the	DET
abrj-544	142	47	heterotrait	heterotrait	NOUN
abrj-544	142	48	-	-	PUNCT
abrj-544	142	49	monotrait	monotrait	NOUN
abrj-544	142	50	(	(	PUNCT
abrj-544	142	51	htmt	htmt	PROPN
abrj-544	142	52	)	)	PUNCT
abrj-544	142	53	ratio	ratio	NOUN
abrj-544	142	54	of	of	ADP
abrj-544	142	55	correlations	correlation	NOUN
abrj-544	142	56	.	.	PUNCT
abrj-544	143	1	the	the	DET
abrj-544	143	2	fornell	fornell	PROPN
abrj-544	143	3	-	-	PUNCT
abrj-544	143	4	larcker	larcker	NOUN
abrj-544	143	5	criterion	criterion	NOUN
abrj-544	143	6	was	be	AUX
abrj-544	143	7	satisfied	satisfied	ADJ
abrj-544	143	8	for	for	ADP
abrj-544	143	9	all	all	DET
abrj-544	143	10	constructs	construct	NOUN
abrj-544	143	11	,	,	PUNCT
abrj-544	143	12	with	with	ADP
abrj-544	143	13	the	the	DET
abrj-544	143	14	square	square	ADJ
abrj-544	143	15	root	root	NOUN
abrj-544	143	16	of	of	ADP
abrj-544	143	17	ave	ave	NOUN
abrj-544	143	18	exceeding	exceed	VERB
abrj-544	143	19	inter	inter	ADJ
abrj-544	143	20	-	-	ADJ
abrj-544	143	21	construct	construct	ADJ
abrj-544	143	22	correlations	correlation	NOUN
abrj-544	143	23	.	.	PUNCT
abrj-544	144	1	the	the	DET
abrj-544	144	2	htmt	htmt	PROPN
abrj-544	144	3	analysis	analysis	NOUN
abrj-544	144	4	revealed	reveal	VERB
abrj-544	144	5	all	all	DET
abrj-544	144	6	values	value	NOUN
abrj-544	144	7	below	below	ADP
abrj-544	144	8	0.85	0.85	NUM
abrj-544	144	9	,	,	PUNCT
abrj-544	144	10	indicating	indicate	VERB
abrj-544	144	11	adequate	adequate	ADJ
abrj-544	144	12	discriminant	discriminant	ADJ
abrj-544	144	13	validity	validity	NOUN
abrj-544	144	14	between	between	ADP
abrj-544	144	15	constructs	construct	NOUN
abrj-544	144	16	.	.	PUNCT
abrj-544	145	1	4.2	4.2	NUM
abrj-544	145	2	.	.	PUNCT
abrj-544	145	3	structural	structural	ADJ
abrj-544	145	4	model	model	NOUN
abrj-544	145	5	assessment	assessment	NOUN
abrj-544	145	6	the	the	DET
abrj-544	145	7	structural	structural	ADJ
abrj-544	145	8	model	model	NOUN
abrj-544	145	9	assessment	assessment	NOUN
abrj-544	145	10	revealed	reveal	VERB
abrj-544	145	11	significant	significant	ADJ
abrj-544	145	12	relationships	relationship	NOUN
abrj-544	145	13	between	between	ADP
abrj-544	145	14	key	key	ADJ
abrj-544	145	15	constructs	construct	NOUN
abrj-544	145	16	,	,	PUNCT
abrj-544	145	17	with	with	ADP
abrj-544	145	18	the	the	DET
abrj-544	145	19	model	model	NOUN
abrj-544	145	20	explaining	explain	VERB
abrj-544	145	21	substantial	substantial	ADJ
abrj-544	145	22	variance	variance	NOUN
abrj-544	145	23	in	in	ADP
abrj-544	145	24	poverty	poverty	NOUN
abrj-544	145	25	reduction	reduction	NOUN
abrj-544	145	26	outcomes	outcome	NOUN
abrj-544	145	27	(	(	PUNCT
abrj-544	145	28	r²	r²	NOUN
abrj-544	145	29	=	=	NOUN
abrj-544	145	30	0.567	0.567	NUM
abrj-544	145	31	)	)	PUNCT
abrj-544	145	32	.	.	PUNCT
abrj-544	146	1	the	the	DET
abrj-544	146	2	path	path	NOUN
abrj-544	146	3	analysis	analysis	NOUN
abrj-544	146	4	demonstrated	demonstrate	VERB
abrj-544	146	5	that	that	SCONJ
abrj-544	146	6	microfinance	microfinance	NOUN
abrj-544	146	7	accessibility	accessibility	NOUN
abrj-544	146	8	exerts	exert	VERB
abrj-544	146	9	both	both	CCONJ
abrj-544	146	10	direct	direct	ADJ
abrj-544	146	11	and	and	CCONJ
abrj-544	146	12	indirect	indirect	ADJ
abrj-544	146	13	effects	effect	NOUN
abrj-544	146	14	on	on	ADP
abrj-544	146	15	poverty	poverty	NOUN
abrj-544	146	16	reduction	reduction	NOUN
abrj-544	146	17	outcomes	outcome	NOUN
abrj-544	146	18	through	through	ADP
abrj-544	146	19	the	the	DET
abrj-544	146	20	mediating	mediate	VERB
abrj-544	146	21	mechanisms	mechanism	NOUN
abrj-544	146	22	of	of	ADP
abrj-544	146	23	financial	financial	ADJ
abrj-544	146	24	capability	capability	NOUN
abrj-544	146	25	and	and	CCONJ
abrj-544	146	26	social	social	ADJ
abrj-544	146	27	capital	capital	NOUN
abrj-544	146	28	.	.	PUNCT
abrj-544	147	1	table	table	NOUN
abrj-544	147	2	3	3	NUM
abrj-544	147	3	.	.	PUNCT
abrj-544	148	1	direct	direct	ADJ
abrj-544	148	2	effects	effect	NOUN
abrj-544	148	3	results	result	VERB
abrj-544	148	4	hypothesised	hypothesise	VERB
abrj-544	148	5	path	path	NOUN
abrj-544	148	6	path	path	NOUN
abrj-544	148	7	coefficient	coefficient	PROPN
abrj-544	148	8	standard	standard	ADJ
abrj-544	148	9	error	error	NOUN
abrj-544	148	10	t	t	NOUN
abrj-544	148	11	-	-	PUNCT
abrj-544	148	12	statistic	statistic	NOUN
abrj-544	148	13	p	p	ADJ
abrj-544	148	14	-	-	PUNCT
abrj-544	148	15	value	value	NOUN
abrj-544	148	16	decision	decision	NOUN
abrj-544	148	17	mfa	mfa	NOUN
abrj-544	148	18	→	→	SYM
abrj-544	148	19	pro	pro	VERB
abrj-544	148	20	0.284	0.284	NUM
abrj-544	148	21	0.067	0.067	NUM
abrj-544	148	22	4.239	4.239	NUM
abrj-544	148	23	0.000	0.000	NUM
abrj-544	148	24	supported	support	VERB
abrj-544	148	25	mfa	mfa	PROPN
abrj-544	148	26	→	→	SYM
abrj-544	148	27	fc	fc	PROPN
abrj-544	148	28	0.456	0.456	NUM
abrj-544	148	29	0.058	0.058	NUM
abrj-544	148	30	7.862	7.862	NUM
abrj-544	148	31	0.000	0.000	NUM
abrj-544	148	32	supported	support	VERB
abrj-544	148	33	mfa	mfa	PROPN
abrj-544	148	34	→	→	SYM
abrj-544	148	35	sc	sc	PROPN
abrj-544	148	36	0.387	0.387	NUM
abrj-544	148	37	0.063	0.063	NUM
abrj-544	148	38	6.143	6.143	NUM
abrj-544	148	39	0.000	0.000	NUM
abrj-544	148	40	supported	support	VERB
abrj-544	148	41	fc	fc	PROPN
abrj-544	148	42	→	→	PUNCT
abrj-544	148	43	pro	pro	VERB
abrj-544	148	44	0.342	0.342	NUM
abrj-544	148	45	0.074	0.074	NUM
abrj-544	148	46	4.622	4.622	NUM
abrj-544	148	47	0.000	0.000	NUM
abrj-544	148	48	supported	support	VERB
abrj-544	148	49	sc	sc	PROPN
abrj-544	148	50	→	→	SYM
abrj-544	148	51	pro	pro	X
abrj-544	148	52	0.238	0.238	NUM
abrj-544	148	53	0.069	0.069	NUM
abrj-544	148	54	3.449	3.449	NUM
abrj-544	148	55	0.001	0.001	NUM
abrj-544	148	56	supported	support	VERB
abrj-544	148	57	gr	gr	NUM
abrj-544	148	58	×	×	NOUN
abrj-544	148	59	mfa	mfa	PROPN
abrj-544	148	60	→	→	SYM
abrj-544	148	61	pro	pro	X
abrj-544	148	62	-0.156	-0.156	PROPN
abrj-544	148	63	0.058	0.058	NUM
abrj-544	148	64	2.690	2.690	NUM
abrj-544	148	65	0.007	0.007	NUM
abrj-544	148	66	supported	support	VERB
abrj-544	148	67	iq	iq	NOUN
abrj-544	148	68	×	×	NOUN
abrj-544	148	69	mfa	mfa	PROPN
abrj-544	148	70	→	→	SYM
abrj-544	148	71	pro	pro	X
abrj-544	148	72	0.198	0.198	NUM
abrj-544	148	73	0.062	0.062	NUM
abrj-544	148	74	3.194	3.194	NUM
abrj-544	148	75	0.001	0.001	NUM
abrj-544	148	76	supported	support	VERB
abrj-544	148	77	the	the	DET
abrj-544	148	78	direct	direct	ADJ
abrj-544	148	79	effect	effect	NOUN
abrj-544	148	80	of	of	ADP
abrj-544	148	81	microfinance	microfinance	NOUN
abrj-544	148	82	accessibility	accessibility	NOUN
abrj-544	148	83	on	on	ADP
abrj-544	148	84	poverty	poverty	NOUN
abrj-544	148	85	reduction	reduction	NOUN
abrj-544	148	86	outcomes	outcome	NOUN
abrj-544	148	87	was	be	AUX
abrj-544	148	88	significant	significant	ADJ
abrj-544	148	89	and	and	CCONJ
abrj-544	148	90	positive	positive	ADJ
abrj-544	148	91	(	(	PUNCT
abrj-544	148	92	β	β	X
abrj-544	148	93	=	=	SYM
abrj-544	148	94	0.284	0.284	NUM
abrj-544	148	95	,	,	PUNCT
abrj-544	148	96	p	p	X
abrj-544	148	97	<	<	X
abrj-544	148	98	0.001	0.001	NUM
abrj-544	148	99	)	)	PUNCT
abrj-544	148	100	,	,	PUNCT
abrj-544	148	101	indicating	indicate	VERB
abrj-544	148	102	that	that	SCONJ
abrj-544	148	103	improved	improve	VERB
abrj-544	148	104	access	access	NOUN
abrj-544	148	105	to	to	ADP
abrj-544	148	106	microfinance	microfinance	NOUN
abrj-544	148	107	services	service	NOUN
abrj-544	148	108	directly	directly	ADV
abrj-544	148	109	contributes	contribute	VERB
abrj-544	148	110	to	to	ADP
abrj-544	148	111	household	household	NOUN
abrj-544	148	112	welfare	welfare	NOUN
abrj-544	148	113	improvement	improvement	NOUN
abrj-544	148	114	.	.	PUNCT
abrj-544	149	1	the	the	DET
abrj-544	149	2	relationships	relationship	NOUN
abrj-544	149	3	between	between	ADP
abrj-544	149	4	microfinance	microfinance	NOUN
abrj-544	149	5	accessibility	accessibility	NOUN
abrj-544	149	6	and	and	CCONJ
abrj-544	149	7	the	the	DET
abrj-544	149	8	mediating	mediate	VERB
abrj-544	149	9	variables	variable	NOUN
abrj-544	149	10	(	(	PUNCT
abrj-544	149	11	financial	financial	ADJ
abrj-544	149	12	capability	capability	NOUN
abrj-544	149	13	and	and	CCONJ
abrj-544	149	14	social	social	ADJ
abrj-544	149	15	capital	capital	NOUN
abrj-544	149	16	)	)	PUNCT
abrj-544	149	17	were	be	AUX
abrj-544	149	18	also	also	ADV
abrj-544	149	19	significant	significant	ADJ
abrj-544	149	20	and	and	CCONJ
abrj-544	149	21	positive	positive	ADJ
abrj-544	149	22	,	,	PUNCT
abrj-544	149	23	with	with	ADP
abrj-544	149	24	path	path	NOUN
abrj-544	149	25	coefficients	coefficient	NOUN
abrj-544	149	26	of	of	ADP
abrj-544	149	27	0.456	0.456	NUM
abrj-544	149	28	and	and	CCONJ
abrj-544	149	29	0.387	0.387	NUM
abrj-544	149	30	respectively	respectively	ADV
abrj-544	149	31	.	.	PUNCT
abrj-544	150	1	asian	asian	ADJ
abrj-544	150	2	business	business	PROPN
abrj-544	150	3	research	research	NOUN
abrj-544	150	4	journal	journal	NOUN
abrj-544	150	5	,	,	PUNCT
abrj-544	150	6	2025	2025	NUM
abrj-544	150	7	,	,	PUNCT
abrj-544	150	8	10(8	10(8	NUM
abrj-544	150	9	):	):	PUNCT
abrj-544	150	10	85	85	NUM
abrj-544	150	11	-	-	SYM
abrj-544	150	12	94	94	NUM
abrj-544	150	13	91	91	NUM
abrj-544	150	14	©	©	ADP
abrj-544	150	15	2025	2025	NUM
abrj-544	150	16	by	by	ADP
abrj-544	150	17	the	the	DET
abrj-544	150	18	author	author	NOUN
abrj-544	150	19	;	;	PUNCT
abrj-544	150	20	licensee	licensee	NOUN
abrj-544	150	21	eastern	eastern	ADJ
abrj-544	150	22	centre	centre	NOUN
abrj-544	150	23	of	of	ADP
abrj-544	150	24	science	science	NOUN
abrj-544	150	25	and	and	CCONJ
abrj-544	150	26	education	education	NOUN
abrj-544	150	27	,	,	PUNCT
abrj-544	150	28	usa	usa	PROPN
abrj-544	150	29	table	table	NOUN
abrj-544	150	30	4	4	NUM
abrj-544	150	31	.	.	PUNCT
abrj-544	150	32	predictive	predictive	ADJ
abrj-544	150	33	relevance	relevance	NOUN
abrj-544	150	34	assessment	assessment	NOUN
abrj-544	150	35	construct	construct	VERB
abrj-544	150	36	r²	r²	NOUN
abrj-544	150	37	adjusted	adjust	VERB
abrj-544	150	38	r²	r²	NOUN
abrj-544	150	39	q²	q²	NOUN
abrj-544	150	40	f²	f²	ADJ
abrj-544	150	41	effect	effect	NOUN
abrj-544	150	42	size	size	NOUN
abrj-544	150	43	financial	financial	ADJ
abrj-544	150	44	capability	capability	NOUN
abrj-544	150	45	0.208	0.208	NUM
abrj-544	150	46	0.203	0.203	NUM
abrj-544	150	47	0.156	0.156	NUM
abrj-544	150	48	0.262	0.262	NUM
abrj-544	150	49	social	social	ADJ
abrj-544	150	50	capital	capital	NOUN
abrj-544	150	51	0.150	0.150	NUM
abrj-544	150	52	0.145	0.145	NUM
abrj-544	150	53	0.098	0.098	NUM
abrj-544	150	54	0.176	0.176	NUM
abrj-544	150	55	poverty	poverty	NOUN
abrj-544	150	56	reduction	reduction	NOUN
abrj-544	150	57	outcomes	outcome	NOUN
abrj-544	150	58	0.567	0.567	NUM
abrj-544	150	59	0.559	0.559	NUM
abrj-544	150	60	0.312	0.312	NUM
abrj-544	150	61	the	the	DET
abrj-544	150	62	predictive	predictive	ADJ
abrj-544	150	63	relevance	relevance	NOUN
abrj-544	150	64	assessment	assessment	NOUN
abrj-544	150	65	using	use	VERB
abrj-544	150	66	stone	stone	NOUN
abrj-544	150	67	-	-	PUNCT
abrj-544	150	68	geisser	geisser	NOUN
abrj-544	150	69	's	's	PART
abrj-544	150	70	q²	q²	NOUN
abrj-544	150	71	revealed	reveal	VERB
abrj-544	150	72	positive	positive	ADJ
abrj-544	150	73	values	value	NOUN
abrj-544	150	74	for	for	ADP
abrj-544	150	75	all	all	DET
abrj-544	150	76	endogenous	endogenous	ADJ
abrj-544	150	77	constructs	construct	NOUN
abrj-544	150	78	,	,	PUNCT
abrj-544	150	79	indicating	indicate	VERB
abrj-544	150	80	adequate	adequate	ADJ
abrj-544	150	81	predictive	predictive	ADJ
abrj-544	150	82	relevance	relevance	NOUN
abrj-544	150	83	of	of	ADP
abrj-544	150	84	the	the	DET
abrj-544	150	85	model	model	NOUN
abrj-544	150	86	.	.	PUNCT
abrj-544	151	1	the	the	DET
abrj-544	151	2	q²	q²	ADJ
abrj-544	151	3	values	value	NOUN
abrj-544	151	4	ranged	range	VERB
abrj-544	151	5	from	from	ADP
abrj-544	151	6	0.098	0.098	NUM
abrj-544	151	7	to	to	ADP
abrj-544	151	8	0.312	0.312	NUM
abrj-544	151	9	,	,	PUNCT
abrj-544	151	10	suggesting	suggest	VERB
abrj-544	151	11	that	that	SCONJ
abrj-544	151	12	the	the	DET
abrj-544	151	13	model	model	NOUN
abrj-544	151	14	possesses	possess	VERB
abrj-544	151	15	predictive	predictive	ADJ
abrj-544	151	16	capability	capability	NOUN
abrj-544	151	17	beyond	beyond	ADP
abrj-544	151	18	the	the	DET
abrj-544	151	19	sample	sample	NOUN
abrj-544	151	20	data	datum	NOUN
abrj-544	151	21	.	.	PUNCT
abrj-544	152	1	table	table	NOUN
abrj-544	152	2	5	5	NUM
abrj-544	152	3	.	.	PUNCT
abrj-544	152	4	specific	specific	ADJ
abrj-544	152	5	indirect	indirect	ADJ
abrj-544	152	6	effects	effect	NOUN
abrj-544	152	7	.	.	PUNCT
abrj-544	153	1	mediation	mediation	NOUN
abrj-544	153	2	path	path	NOUN
abrj-544	153	3	indirect	indirect	ADJ
abrj-544	153	4	effect	effect	NOUN
abrj-544	153	5	standard	standard	NOUN
abrj-544	153	6	error	error	NOUN
abrj-544	153	7	t	t	NOUN
abrj-544	153	8	-	-	PUNCT
abrj-544	153	9	statistic	statistic	NOUN
abrj-544	153	10	p	p	NOUN
abrj-544	153	11	-	-	PUNCT
abrj-544	153	12	value	value	NOUN
abrj-544	153	13	95	95	NUM
abrj-544	153	14	%	%	NOUN
abrj-544	153	15	ci	ci	NOUN
abrj-544	153	16	lower	low	ADJ
abrj-544	153	17	95	95	NUM
abrj-544	153	18	%	%	NOUN
abrj-544	153	19	ci	ci	NOUN
abrj-544	153	20	upper	upper	ADJ
abrj-544	153	21	mfa	mfa	PROPN
abrj-544	153	22	→	→	SYM
abrj-544	153	23	fc	fc	PROPN
abrj-544	153	24	→	→	SYM
abrj-544	153	25	pro	pro	X
abrj-544	153	26	0.156	0.156	NUM
abrj-544	153	27	0.039	0.039	NUM
abrj-544	153	28	4.000	4.000	NUM
abrj-544	153	29	0.000	0.000	NUM
abrj-544	153	30	0.087	0.087	NUM
abrj-544	153	31	0.234	0.234	NUM
abrj-544	153	32	mfa	mfa	PROPN
abrj-544	153	33	→	→	SYM
abrj-544	153	34	sc	sc	PROPN
abrj-544	153	35	→	→	SYM
abrj-544	153	36	pro	pro	X
abrj-544	153	37	0.092	0.092	NUM
abrj-544	153	38	0.028	0.028	NUM
abrj-544	153	39	3.286	3.286	NUM
abrj-544	153	40	0.001	0.001	NUM
abrj-544	153	41	0.042	0.042	NUM
abrj-544	153	42	0.148	0.148	NUM
abrj-544	153	43	mfa	mfa	PROPN
abrj-544	153	44	→	→	SYM
abrj-544	153	45	fc	fc	PROPN
abrj-544	153	46	→	→	SYM
abrj-544	153	47	sc	sc	PROPN
abrj-544	153	48	→	→	SYM
abrj-544	153	49	pro	pro	X
abrj-544	153	50	0.028	0.028	NUM
abrj-544	153	51	0.012	0.012	NUM
abrj-544	153	52	2.333	2.333	NUM
abrj-544	153	53	0.020	0.020	NUM
abrj-544	153	54	0.008	0.008	NUM
abrj-544	153	55	0.054	0.054	NUM
abrj-544	153	56	the	the	DET
abrj-544	153	57	mediation	mediation	NOUN
abrj-544	153	58	analysis	analysis	NOUN
abrj-544	153	59	revealed	reveal	VERB
abrj-544	153	60	significant	significant	ADJ
abrj-544	153	61	indirect	indirect	ADJ
abrj-544	153	62	effects	effect	NOUN
abrj-544	153	63	,	,	PUNCT
abrj-544	153	64	with	with	ADP
abrj-544	153	65	financial	financial	ADJ
abrj-544	153	66	capability	capability	NOUN
abrj-544	153	67	serving	serve	VERB
abrj-544	153	68	as	as	ADP
abrj-544	153	69	a	a	DET
abrj-544	153	70	stronger	strong	ADJ
abrj-544	153	71	mediator	mediator	NOUN
abrj-544	153	72	(	(	PUNCT
abrj-544	153	73	β	β	X
abrj-544	153	74	=	=	SYM
abrj-544	153	75	0.156	0.156	NUM
abrj-544	153	76	,	,	PUNCT
abrj-544	153	77	p	p	X
abrj-544	153	78	<	<	X
abrj-544	153	79	0.001	0.001	NUM
abrj-544	153	80	)	)	PUNCT
abrj-544	153	81	than	than	ADP
abrj-544	153	82	social	social	ADJ
abrj-544	153	83	capital	capital	NOUN
abrj-544	153	84	(	(	PUNCT
abrj-544	153	85	β	β	X
abrj-544	153	86	=	=	NOUN
abrj-544	153	87	0.092	0.092	NUM
abrj-544	153	88	,	,	PUNCT
abrj-544	153	89	p	p	X
abrj-544	153	90	<	<	X
abrj-544	153	91	0.001	0.001	NUM
abrj-544	153	92	)	)	PUNCT
abrj-544	153	93	.	.	PUNCT
abrj-544	154	1	the	the	DET
abrj-544	154	2	serial	serial	ADJ
abrj-544	154	3	mediation	mediation	NOUN
abrj-544	154	4	effect	effect	NOUN
abrj-544	154	5	through	through	ADP
abrj-544	154	6	both	both	PRON
abrj-544	154	7	financial	financial	ADJ
abrj-544	154	8	capability	capability	NOUN
abrj-544	154	9	and	and	CCONJ
abrj-544	154	10	social	social	ADJ
abrj-544	154	11	capital	capital	NOUN
abrj-544	154	12	was	be	AUX
abrj-544	154	13	also	also	ADV
abrj-544	154	14	significant	significant	ADJ
abrj-544	154	15	(	(	PUNCT
abrj-544	154	16	β	β	X
abrj-544	154	17	=	=	SYM
abrj-544	154	18	0.028	0.028	NUM
abrj-544	154	19	,	,	PUNCT
abrj-544	154	20	p	p	X
abrj-544	154	21	<	<	X
abrj-544	154	22	0.05	0.05	NUM
abrj-544	154	23	)	)	PUNCT
abrj-544	154	24	,	,	PUNCT
abrj-544	154	25	indicating	indicate	VERB
abrj-544	154	26	a	a	DET
abrj-544	154	27	complex	complex	ADJ
abrj-544	154	28	pathway	pathway	NOUN
abrj-544	154	29	through	through	ADP
abrj-544	154	30	which	which	PRON
abrj-544	154	31	microfinance	microfinance	NOUN
abrj-544	154	32	accessibility	accessibility	NOUN
abrj-544	154	33	influences	influence	VERB
abrj-544	154	34	poverty	poverty	NOUN
abrj-544	154	35	reduction	reduction	NOUN
abrj-544	154	36	outcomes	outcome	NOUN
abrj-544	154	37	.	.	PUNCT
abrj-544	155	1	table	table	NOUN
abrj-544	155	2	6	6	NUM
abrj-544	155	3	:	:	PUNCT
abrj-544	155	4	moderation	moderation	NOUN
abrj-544	155	5	analysis	analysis	NOUN
abrj-544	155	6	results	result	VERB
abrj-544	155	7	moderating	moderate	VERB
abrj-544	155	8	effect	effect	NOUN
abrj-544	155	9	interaction	interaction	NOUN
abrj-544	155	10	effect	effect	NOUN
abrj-544	155	11	standard	standard	NOUN
abrj-544	155	12	error	error	NOUN
abrj-544	155	13	t	t	NOUN
abrj-544	155	14	-	-	PUNCT
abrj-544	155	15	statistic	statistic	NOUN
abrj-544	155	16	p	p	NOUN
abrj-544	155	17	-	-	PUNCT
abrj-544	155	18	value	value	NOUN
abrj-544	155	19	r²	r²	NOUN
abrj-544	155	20	change	change	NOUN
abrj-544	155	21	geographic	geographic	ADJ
abrj-544	155	22	remoteness	remoteness	NOUN
abrj-544	155	23	×	×	NOUN
abrj-544	155	24	mfa	mfa	NOUN
abrj-544	155	25	→	→	SYM
abrj-544	155	26	pro	pro	X
abrj-544	155	27	-0.156	-0.156	PROPN
abrj-544	155	28	0.058	0.058	NUM
abrj-544	155	29	2.690	2.690	NUM
abrj-544	155	30	0.007	0.007	NUM
abrj-544	155	31	0.024	0.024	NUM
abrj-544	155	32	institutional	institutional	ADJ
abrj-544	155	33	quality	quality	NOUN
abrj-544	155	34	×	×	NOUN
abrj-544	155	35	mfa	mfa	NOUN
abrj-544	155	36	→	→	SYM
abrj-544	155	37	pro	pro	X
abrj-544	155	38	0.198	0.198	NUM
abrj-544	155	39	0.062	0.062	NUM
abrj-544	155	40	3.194	3.194	NUM
abrj-544	155	41	0.001	0.001	NUM
abrj-544	155	42	0.039	0.039	NUM
abrj-544	155	43	the	the	DET
abrj-544	155	44	moderation	moderation	NOUN
abrj-544	155	45	analysis	analysis	NOUN
abrj-544	155	46	demonstrated	demonstrate	VERB
abrj-544	155	47	that	that	SCONJ
abrj-544	155	48	geographic	geographic	ADJ
abrj-544	155	49	remoteness	remoteness	NOUN
abrj-544	155	50	significantly	significantly	ADV
abrj-544	155	51	weakens	weaken	VERB
abrj-544	155	52	the	the	DET
abrj-544	155	53	relationship	relationship	NOUN
abrj-544	155	54	between	between	ADP
abrj-544	155	55	microfinance	microfinance	NOUN
abrj-544	155	56	accessibility	accessibility	NOUN
abrj-544	155	57	and	and	CCONJ
abrj-544	155	58	poverty	poverty	NOUN
abrj-544	155	59	reduction	reduction	NOUN
abrj-544	155	60	outcomes	outcome	NOUN
abrj-544	155	61	(	(	PUNCT
abrj-544	155	62	β	β	X
abrj-544	155	63	=	=	SYM
abrj-544	155	64	-0.156	-0.156	PROPN
abrj-544	155	65	,	,	PUNCT
abrj-544	155	66	p	p	X
abrj-544	155	67	<	<	X
abrj-544	155	68	0.01	0.01	NUM
abrj-544	155	69	)	)	PUNCT
abrj-544	155	70	,	,	PUNCT
abrj-544	155	71	while	while	SCONJ
abrj-544	155	72	institutional	institutional	ADJ
abrj-544	155	73	quality	quality	NOUN
abrj-544	155	74	strengthens	strengthen	VERB
abrj-544	155	75	this	this	DET
abrj-544	155	76	relationship	relationship	NOUN
abrj-544	155	77	(	(	PUNCT
abrj-544	155	78	β	β	X
abrj-544	155	79	=	=	SYM
abrj-544	155	80	0.198	0.198	NUM
abrj-544	155	81	,	,	PUNCT
abrj-544	155	82	p	p	X
abrj-544	155	83	<	<	X
abrj-544	155	84	0.001	0.001	NUM
abrj-544	155	85	)	)	PUNCT
abrj-544	155	86	.	.	PUNCT
abrj-544	156	1	these	these	DET
abrj-544	156	2	findings	finding	NOUN
abrj-544	156	3	highlight	highlight	VERB
abrj-544	156	4	the	the	DET
abrj-544	156	5	importance	importance	NOUN
abrj-544	156	6	of	of	ADP
abrj-544	156	7	contextual	contextual	ADJ
abrj-544	156	8	factors	factor	NOUN
abrj-544	156	9	in	in	ADP
abrj-544	156	10	determining	determine	VERB
abrj-544	156	11	microfinance	microfinance	NOUN
abrj-544	156	12	effectiveness	effectiveness	NOUN
abrj-544	156	13	.	.	PUNCT
abrj-544	157	1	4.3	4.3	NUM
abrj-544	157	2	.	.	PUNCT
abrj-544	157	3	supplementary	supplementary	ADJ
abrj-544	157	4	analyses	analysis	NOUN
abrj-544	157	5	the	the	DET
abrj-544	157	6	multigroup	multigroup	ADJ
abrj-544	157	7	analysis	analysis	NOUN
abrj-544	157	8	(	(	PUNCT
abrj-544	157	9	mga	mga	PROPN
abrj-544	157	10	)	)	PUNCT
abrj-544	157	11	examined	examine	VERB
abrj-544	157	12	differences	difference	NOUN
abrj-544	157	13	in	in	ADP
abrj-544	157	14	path	path	NOUN
abrj-544	157	15	coefficients	coefficient	NOUN
abrj-544	157	16	across	across	ADP
abrj-544	157	17	demographic	demographic	ADJ
abrj-544	157	18	subgroups	subgroup	NOUN
abrj-544	157	19	,	,	PUNCT
abrj-544	157	20	revealing	reveal	VERB
abrj-544	157	21	significant	significant	ADJ
abrj-544	157	22	variations	variation	NOUN
abrj-544	157	23	in	in	ADP
abrj-544	157	24	microfinance	microfinance	NOUN
abrj-544	157	25	impact	impact	NOUN
abrj-544	157	26	across	across	ADP
abrj-544	157	27	ethnic	ethnic	ADJ
abrj-544	157	28	groups	group	NOUN
abrj-544	157	29	and	and	CCONJ
abrj-544	157	30	gender	gender	NOUN
abrj-544	157	31	categories	category	NOUN
abrj-544	157	32	.	.	PUNCT
abrj-544	158	1	the	the	DET
abrj-544	158	2	analysis	analysis	NOUN
abrj-544	158	3	compared	compare	VERB
abrj-544	158	4	path	path	NOUN
abrj-544	158	5	coefficients	coefficient	NOUN
abrj-544	158	6	between	between	ADP
abrj-544	158	7	ethnic	ethnic	ADJ
abrj-544	158	8	majority	majority	NOUN
abrj-544	158	9	(	(	PUNCT
abrj-544	158	10	kinh	kinh	ADJ
abrj-544	158	11	)	)	PUNCT
abrj-544	158	12	and	and	CCONJ
abrj-544	158	13	ethnic	ethnic	ADJ
abrj-544	158	14	minority	minority	NOUN
abrj-544	158	15	households	household	NOUN
abrj-544	158	16	,	,	PUNCT
abrj-544	158	17	finding	find	VERB
abrj-544	158	18	that	that	SCONJ
abrj-544	158	19	microfinance	microfinance	NOUN
abrj-544	158	20	accessibility	accessibility	NOUN
abrj-544	158	21	had	have	VERB
abrj-544	158	22	a	a	DET
abrj-544	158	23	stronger	strong	ADJ
abrj-544	158	24	impact	impact	NOUN
abrj-544	158	25	on	on	ADP
abrj-544	158	26	poverty	poverty	NOUN
abrj-544	158	27	reduction	reduction	NOUN
abrj-544	158	28	outcomes	outcome	NOUN
abrj-544	158	29	among	among	ADP
abrj-544	158	30	ethnic	ethnic	ADJ
abrj-544	158	31	minority	minority	NOUN
abrj-544	158	32	households	household	NOUN
abrj-544	158	33	(	(	PUNCT
abrj-544	158	34	β	β	X
abrj-544	158	35	=	=	SYM
abrj-544	158	36	0.342	0.342	NUM
abrj-544	158	37	)	)	PUNCT
abrj-544	158	38	compared	compare	VERB
abrj-544	158	39	to	to	ADP
abrj-544	158	40	ethnic	ethnic	ADJ
abrj-544	158	41	majority	majority	NOUN
abrj-544	158	42	households	household	NOUN
abrj-544	158	43	(	(	PUNCT
abrj-544	158	44	β	β	X
abrj-544	158	45	=	=	PUNCT
abrj-544	158	46	0.226	0.226	NUM
abrj-544	158	47	)	)	PUNCT
abrj-544	158	48	,	,	PUNCT
abrj-544	158	49	with	with	ADP
abrj-544	158	50	the	the	DET
abrj-544	158	51	difference	difference	NOUN
abrj-544	158	52	being	be	AUX
abrj-544	158	53	statistically	statistically	ADV
abrj-544	158	54	significant	significant	ADJ
abrj-544	158	55	(	(	PUNCT
abrj-544	158	56	p	p	X
abrj-544	158	57	<	<	X
abrj-544	158	58	0.05	0.05	NUM
abrj-544	158	59	)	)	PUNCT
abrj-544	158	60	.	.	PUNCT
abrj-544	159	1	table	table	NOUN
abrj-544	159	2	7	7	NUM
abrj-544	159	3	.	.	PUNCT
abrj-544	160	1	multigroup	multigroup	ADJ
abrj-544	160	2	analysis	analysis	NOUN
abrj-544	160	3	results	result	VERB
abrj-544	160	4	path	path	VERB
abrj-544	160	5	ethnic	ethnic	ADJ
abrj-544	160	6	majority	majority	NOUN
abrj-544	160	7	ethnic	ethnic	ADJ
abrj-544	160	8	minority	minority	NOUN
abrj-544	160	9	difference	difference	NOUN
abrj-544	160	10	p	p	NOUN
abrj-544	160	11	-	-	PUNCT
abrj-544	160	12	value	value	NOUN
abrj-544	160	13	mfa	mfa	NOUN
abrj-544	160	14	→	→	SYM
abrj-544	160	15	pro	pro	VERB
abrj-544	160	16	0.226	0.226	NUM
abrj-544	160	17	0.342	0.342	NUM
abrj-544	160	18	0.116	0.116	NUM
abrj-544	160	19	0.034	0.034	NUM
abrj-544	160	20	fc	fc	X
abrj-544	160	21	→	→	SYM
abrj-544	160	22	pro	pro	X
abrj-544	160	23	0.298	0.298	NUM
abrj-544	160	24	0.387	0.387	NUM
abrj-544	160	25	0.089	0.089	NUM
abrj-544	160	26	0.156	0.156	NUM
abrj-544	160	27	sc	sc	PROPN
abrj-544	160	28	→	→	PUNCT
abrj-544	160	29	pro	pro	X
abrj-544	160	30	0.287	0.287	NUM
abrj-544	160	31	0.194	0.194	NUM
abrj-544	160	32	-0.093	-0.093	NOUN
abrj-544	160	33	0.089	0.089	NUM
abrj-544	160	34	the	the	DET
abrj-544	160	35	gender	gender	NOUN
abrj-544	160	36	-	-	PUNCT
abrj-544	160	37	based	base	VERB
abrj-544	160	38	multigroup	multigroup	PROPN
abrj-544	160	39	analysis	analysis	NOUN
abrj-544	160	40	revealed	reveal	VERB
abrj-544	160	41	that	that	SCONJ
abrj-544	160	42	microfinance	microfinance	NOUN
abrj-544	160	43	accessibility	accessibility	NOUN
abrj-544	160	44	had	have	VERB
abrj-544	160	45	stronger	strong	ADJ
abrj-544	160	46	effects	effect	NOUN
abrj-544	160	47	on	on	ADP
abrj-544	160	48	poverty	poverty	NOUN
abrj-544	160	49	reduction	reduction	NOUN
abrj-544	160	50	outcomes	outcome	NOUN
abrj-544	160	51	in	in	ADP
abrj-544	160	52	female	female	NOUN
abrj-544	160	53	-	-	PUNCT
abrj-544	160	54	headed	head	VERB
abrj-544	160	55	households	household	NOUN
abrj-544	160	56	(	(	PUNCT
abrj-544	160	57	β	β	X
abrj-544	160	58	=	=	SYM
abrj-544	160	59	0.334	0.334	NUM
abrj-544	160	60	)	)	PUNCT
abrj-544	160	61	compared	compare	VERB
abrj-544	160	62	to	to	ADP
abrj-544	160	63	male	male	NOUN
abrj-544	160	64	-	-	PUNCT
abrj-544	160	65	headed	head	VERB
abrj-544	160	66	households	household	NOUN
abrj-544	160	67	(	(	PUNCT
abrj-544	160	68	β	β	X
abrj-544	160	69	=	=	NOUN
abrj-544	160	70	0.248	0.248	NUM
abrj-544	160	71	)	)	PUNCT
abrj-544	160	72	,	,	PUNCT
abrj-544	160	73	though	though	SCONJ
abrj-544	160	74	the	the	DET
abrj-544	160	75	difference	difference	NOUN
abrj-544	160	76	was	be	AUX
abrj-544	160	77	not	not	PART
abrj-544	160	78	statistically	statistically	ADV
abrj-544	160	79	significant	significant	ADJ
abrj-544	160	80	(	(	PUNCT
abrj-544	160	81	p	p	X
abrj-544	160	82	=	=	NOUN
abrj-544	160	83	0.127	0.127	NUM
abrj-544	160	84	)	)	PUNCT
abrj-544	160	85	.	.	PUNCT
abrj-544	161	1	table	table	NOUN
abrj-544	161	2	8	8	NUM
abrj-544	161	3	.	.	PUNCT
abrj-544	162	1	fsqca	fsqca	NOUN
abrj-544	162	2	configuration	configuration	NOUN
abrj-544	162	3	analysis	analysis	NOUN
abrj-544	162	4	configuration	configuration	NOUN
abrj-544	162	5	mfa	mfa	PROPN
abrj-544	162	6	fc	fc	PROPN
abrj-544	162	7	sc	sc	PROPN
abrj-544	162	8	gr	gr	PROPN
abrj-544	162	9	iq	iq	PROPN
abrj-544	162	10	consistency	consistency	NOUN
abrj-544	162	11	coverage	coverage	NOUN
abrj-544	162	12	config	config	NOUN
abrj-544	162	13	1	1	NUM
abrj-544	162	14	●	●	PUNCT
abrj-544	162	15	●	●	PUNCT
abrj-544	162	16	●	●	NUM
abrj-544	162	17	○	○	X
abrj-544	162	18	●	●	ADP
abrj-544	162	19	0.856	0.856	NUM
abrj-544	162	20	0.423	0.423	NUM
abrj-544	162	21	config	config	NOUN
abrj-544	162	22	2	2	NUM
abrj-544	162	23	●	●	PUNCT
abrj-544	162	24	●	●	NUM
abrj-544	162	25	○	○	X
abrj-544	162	26	○	○	X
abrj-544	162	27	●	●	PUNCT
abrj-544	162	28	0.834	0.834	NUM
abrj-544	162	29	0.287	0.287	NUM
abrj-544	162	30	config	config	NOUN
abrj-544	162	31	3	3	NUM
abrj-544	162	32	●	●	PUNCT
abrj-544	162	33	○	○	X
abrj-544	162	34	●	●	X
abrj-544	162	35	○	○	X
abrj-544	162	36	●	●	NUM
abrj-544	162	37	0.821	0.821	NUM
abrj-544	162	38	0.198	0.198	NUM
abrj-544	162	39	note	note	NOUN
abrj-544	162	40	:	:	PUNCT
abrj-544	162	41	●	●	PUNCT
abrj-544	162	42	=	=	SYM
abrj-544	162	43	presence	presence	NOUN
abrj-544	162	44	of	of	ADP
abrj-544	162	45	condition	condition	NOUN
abrj-544	162	46	,	,	PUNCT
abrj-544	162	47	○	○	PROPN
abrj-544	162	48	=	=	PUNCT
abrj-544	162	49	absence	absence	NOUN
abrj-544	162	50	of	of	ADP
abrj-544	162	51	condition	condition	NOUN
abrj-544	162	52	.	.	PUNCT
abrj-544	163	1	the	the	DET
abrj-544	163	2	fsqca	fsqca	NOUN
abrj-544	163	3	analysis	analysis	NOUN
abrj-544	163	4	identified	identify	VERB
abrj-544	163	5	three	three	NUM
abrj-544	163	6	distinct	distinct	ADJ
abrj-544	163	7	configurational	configurational	ADJ
abrj-544	163	8	pathways	pathway	NOUN
abrj-544	163	9	leading	lead	VERB
abrj-544	163	10	to	to	ADP
abrj-544	163	11	high	high	ADJ
abrj-544	163	12	poverty	poverty	NOUN
abrj-544	163	13	reduction	reduction	NOUN
abrj-544	163	14	outcomes	outcome	NOUN
abrj-544	163	15	,	,	PUNCT
abrj-544	163	16	with	with	ADP
abrj-544	163	17	consistency	consistency	NOUN
abrj-544	163	18	scores	score	NOUN
abrj-544	163	19	exceeding	exceed	VERB
abrj-544	163	20	0.80	0.80	NUM
abrj-544	163	21	for	for	ADP
abrj-544	163	22	all	all	DET
abrj-544	163	23	configurations	configuration	NOUN
abrj-544	163	24	.	.	PUNCT
abrj-544	164	1	the	the	DET
abrj-544	164	2	first	first	ADJ
abrj-544	164	3	configuration	configuration	NOUN
abrj-544	164	4	,	,	PUNCT
abrj-544	164	5	characterised	characterise	VERB
abrj-544	164	6	by	by	ADP
abrj-544	164	7	high	high	ADJ
abrj-544	164	8	microfinance	microfinance	NOUN
abrj-544	164	9	accessibility	accessibility	NOUN
abrj-544	164	10	,	,	PUNCT
abrj-544	164	11	high	high	ADJ
abrj-544	164	12	financial	financial	ADJ
abrj-544	164	13	capability	capability	NOUN
abrj-544	164	14	,	,	PUNCT
abrj-544	164	15	high	high	ADJ
abrj-544	164	16	social	social	ADJ
abrj-544	164	17	capital	capital	NOUN
abrj-544	164	18	,	,	PUNCT
abrj-544	164	19	low	low	ADJ
abrj-544	164	20	geographic	geographic	ADJ
abrj-544	164	21	remoteness	remoteness	NOUN
abrj-544	164	22	,	,	PUNCT
abrj-544	164	23	and	and	CCONJ
abrj-544	164	24	high	high	ADJ
abrj-544	164	25	institutional	institutional	ADJ
abrj-544	164	26	quality	quality	NOUN
abrj-544	164	27	,	,	PUNCT
abrj-544	164	28	achieved	achieve	VERB
abrj-544	164	29	the	the	DET
abrj-544	164	30	highest	high	ADJ
abrj-544	164	31	consistency	consistency	NOUN
abrj-544	164	32	(	(	PUNCT
abrj-544	164	33	0.856	0.856	NUM
abrj-544	164	34	)	)	PUNCT
abrj-544	164	35	and	and	CCONJ
abrj-544	164	36	coverage	coverage	NOUN
abrj-544	164	37	(	(	PUNCT
abrj-544	164	38	0.423	0.423	NUM
abrj-544	164	39	)	)	PUNCT
abrj-544	164	40	.	.	PUNCT
abrj-544	165	1	the	the	DET
abrj-544	165	2	second	second	ADJ
abrj-544	165	3	configuration	configuration	NOUN
abrj-544	165	4	demonstrated	demonstrate	VERB
abrj-544	165	5	that	that	SCONJ
abrj-544	165	6	high	high	ADJ
abrj-544	165	7	poverty	poverty	NOUN
abrj-544	165	8	reduction	reduction	NOUN
abrj-544	165	9	outcomes	outcome	NOUN
abrj-544	165	10	could	could	AUX
abrj-544	165	11	be	be	AUX
abrj-544	165	12	achieved	achieve	VERB
abrj-544	165	13	even	even	ADV
abrj-544	165	14	with	with	ADP
abrj-544	165	15	moderate	moderate	ADJ
abrj-544	165	16	social	social	ADJ
abrj-544	165	17	capital	capital	NOUN
abrj-544	165	18	levels	level	NOUN
abrj-544	165	19	when	when	SCONJ
abrj-544	165	20	other	other	ADJ
abrj-544	165	21	conditions	condition	NOUN
abrj-544	165	22	were	be	AUX
abrj-544	165	23	favourable	favourable	ADJ
abrj-544	165	24	.	.	PUNCT
abrj-544	166	1	the	the	DET
abrj-544	166	2	third	third	ADJ
abrj-544	166	3	configuration	configuration	NOUN
abrj-544	166	4	showed	show	VERB
abrj-544	166	5	that	that	SCONJ
abrj-544	166	6	strong	strong	ADJ
abrj-544	166	7	social	social	ADJ
abrj-544	166	8	capital	capital	NOUN
abrj-544	166	9	could	could	AUX
abrj-544	166	10	partially	partially	ADV
abrj-544	166	11	compensate	compensate	VERB
abrj-544	166	12	for	for	ADP
abrj-544	166	13	lower	low	ADJ
abrj-544	166	14	financial	financial	ADJ
abrj-544	166	15	capability	capability	NOUN
abrj-544	166	16	levels	level	NOUN
abrj-544	166	17	when	when	SCONJ
abrj-544	166	18	combined	combine	VERB
abrj-544	166	19	with	with	ADP
abrj-544	166	20	high	high	ADJ
abrj-544	166	21	microfinance	microfinance	NOUN
abrj-544	166	22	accessibility	accessibility	NOUN
abrj-544	166	23	and	and	CCONJ
abrj-544	166	24	institutional	institutional	ADJ
abrj-544	166	25	quality	quality	NOUN
abrj-544	166	26	.	.	PUNCT
abrj-544	167	1	5	5	X
abrj-544	167	2	.	.	X
abrj-544	167	3	discussion	discussion	NOUN
abrj-544	167	4	of	of	ADP
abrj-544	167	5	research	research	NOUN
abrj-544	167	6	results	result	NOUN
abrj-544	167	7	and	and	CCONJ
abrj-544	167	8	conclusions	conclusion	NOUN
abrj-544	167	9	the	the	DET
abrj-544	167	10	empirical	empirical	ADJ
abrj-544	167	11	findings	finding	NOUN
abrj-544	167	12	of	of	ADP
abrj-544	167	13	this	this	DET
abrj-544	167	14	study	study	NOUN
abrj-544	167	15	provide	provide	VERB
abrj-544	167	16	compelling	compelling	ADJ
abrj-544	167	17	evidence	evidence	NOUN
abrj-544	167	18	for	for	ADP
abrj-544	167	19	the	the	DET
abrj-544	167	20	multifaceted	multifaceted	ADJ
abrj-544	167	21	nature	nature	NOUN
abrj-544	167	22	of	of	ADP
abrj-544	167	23	microfinance	microfinance	NOUN
abrj-544	167	24	impact	impact	NOUN
abrj-544	167	25	on	on	ADP
abrj-544	167	26	poverty	poverty	NOUN
abrj-544	167	27	reduction	reduction	NOUN
abrj-544	167	28	outcomes	outcome	NOUN
abrj-544	167	29	within	within	ADP
abrj-544	167	30	remote	remote	ADJ
abrj-544	167	31	vietnamese	vietnamese	ADJ
abrj-544	167	32	village	village	NOUN
abrj-544	167	33	communities	community	NOUN
abrj-544	167	34	,	,	PUNCT
abrj-544	167	35	contributing	contribute	VERB
abrj-544	167	36	to	to	ADP
abrj-544	167	37	the	the	DET
abrj-544	167	38	ongoing	ongoing	ADJ
abrj-544	167	39	theoretical	theoretical	ADJ
abrj-544	167	40	and	and	CCONJ
abrj-544	167	41	empirical	empirical	ADJ
abrj-544	167	42	debates	debate	NOUN
abrj-544	167	43	surrounding	surround	VERB
abrj-544	167	44	microfinance	microfinance	NOUN
abrj-544	167	45	effectiveness	effectiveness	NOUN
abrj-544	167	46	.	.	PUNCT
abrj-544	168	1	the	the	DET
abrj-544	168	2	structural	structural	ADJ
abrj-544	168	3	equation	equation	NOUN
abrj-544	168	4	modelling	model	VERB
abrj-544	168	5	results	result	NOUN
abrj-544	168	6	demonstrate	demonstrate	VERB
abrj-544	168	7	that	that	SCONJ
abrj-544	168	8	microfinance	microfinance	NOUN
abrj-544	168	9	accessibility	accessibility	NOUN
abrj-544	168	10	operates	operate	VERB
abrj-544	168	11	through	through	ADP
abrj-544	168	12	complex	complex	ADJ
abrj-544	168	13	direct	direct	ADJ
abrj-544	168	14	and	and	CCONJ
abrj-544	168	15	indirect	indirect	ADJ
abrj-544	168	16	pathways	pathway	NOUN
abrj-544	168	17	to	to	ADP
abrj-544	168	18	asian	asian	ADJ
abrj-544	168	19	business	business	NOUN
abrj-544	168	20	research	research	NOUN
abrj-544	168	21	journal	journal	NOUN
abrj-544	168	22	,	,	PUNCT
abrj-544	168	23	2025	2025	NUM
abrj-544	168	24	,	,	PUNCT
abrj-544	168	25	10(8	10(8	NUM
abrj-544	168	26	):	):	PUNCT
abrj-544	168	27	85	85	NUM
abrj-544	168	28	-	-	SYM
abrj-544	168	29	94	94	NUM
abrj-544	168	30	92	92	NUM
abrj-544	168	31	©	©	ADP
abrj-544	168	32	2025	2025	NUM
abrj-544	168	33	by	by	ADP
abrj-544	168	34	the	the	DET
abrj-544	168	35	author	author	NOUN
abrj-544	168	36	;	;	PUNCT
abrj-544	168	37	licensee	licensee	NOUN
abrj-544	168	38	eastern	eastern	ADJ
abrj-544	168	39	centre	centre	NOUN
abrj-544	168	40	of	of	ADP
abrj-544	168	41	science	science	NOUN
abrj-544	168	42	and	and	CCONJ
abrj-544	168	43	education	education	NOUN
abrj-544	168	44	,	,	PUNCT
abrj-544	168	45	usa	usa	PROPN
abrj-544	168	46	influence	influence	PROPN
abrj-544	168	47	household	household	NOUN
abrj-544	168	48	welfare	welfare	NOUN
abrj-544	168	49	,	,	PUNCT
abrj-544	168	50	with	with	ADP
abrj-544	168	51	financial	financial	ADJ
abrj-544	168	52	capability	capability	NOUN
abrj-544	168	53	and	and	CCONJ
abrj-544	168	54	social	social	ADJ
abrj-544	168	55	capital	capital	NOUN
abrj-544	168	56	serving	serve	VERB
abrj-544	168	57	as	as	ADP
abrj-544	168	58	crucial	crucial	ADJ
abrj-544	168	59	mediating	mediate	VERB
abrj-544	168	60	mechanisms	mechanism	NOUN
abrj-544	168	61	that	that	PRON
abrj-544	168	62	transmit	transmit	VERB
abrj-544	168	63	the	the	DET
abrj-544	168	64	benefits	benefit	NOUN
abrj-544	168	65	of	of	ADP
abrj-544	168	66	improved	improve	VERB
abrj-544	168	67	financial	financial	ADJ
abrj-544	168	68	access	access	NOUN
abrj-544	168	69	to	to	ADP
abrj-544	168	70	poverty	poverty	NOUN
abrj-544	168	71	reduction	reduction	NOUN
abrj-544	168	72	outcomes	outcome	NOUN
abrj-544	168	73	.	.	PUNCT
abrj-544	169	1	the	the	DET
abrj-544	169	2	significant	significant	ADJ
abrj-544	169	3	direct	direct	ADJ
abrj-544	169	4	effect	effect	NOUN
abrj-544	169	5	of	of	ADP
abrj-544	169	6	microfinance	microfinance	NOUN
abrj-544	169	7	accessibility	accessibility	NOUN
abrj-544	169	8	on	on	ADP
abrj-544	169	9	poverty	poverty	NOUN
abrj-544	169	10	reduction	reduction	NOUN
abrj-544	169	11	outcomes	outcome	NOUN
abrj-544	169	12	(	(	PUNCT
abrj-544	169	13	β	β	X
abrj-544	169	14	=	=	SYM
abrj-544	169	15	0.284	0.284	NUM
abrj-544	169	16	,	,	PUNCT
abrj-544	169	17	p	p	X
abrj-544	169	18	<	<	X
abrj-544	169	19	0.001	0.001	NUM
abrj-544	169	20	)	)	PUNCT
abrj-544	169	21	aligns	align	VERB
abrj-544	169	22	with	with	ADP
abrj-544	169	23	the	the	DET
abrj-544	169	24	theoretical	theoretical	ADJ
abrj-544	169	25	predictions	prediction	NOUN
abrj-544	169	26	of	of	ADP
abrj-544	169	27	financial	financial	ADJ
abrj-544	169	28	inclusion	inclusion	NOUN
abrj-544	169	29	theory	theory	NOUN
abrj-544	169	30	,	,	PUNCT
abrj-544	169	31	which	which	PRON
abrj-544	169	32	posits	posit	VERB
abrj-544	169	33	that	that	PRON
abrj-544	169	34	enhanced	enhance	VERB
abrj-544	169	35	access	access	NOUN
abrj-544	169	36	to	to	ADP
abrj-544	169	37	financial	financial	ADJ
abrj-544	169	38	services	service	NOUN
abrj-544	169	39	enables	enable	VERB
abrj-544	169	40	households	household	NOUN
abrj-544	169	41	to	to	PART
abrj-544	169	42	invest	invest	VERB
abrj-544	169	43	in	in	ADP
abrj-544	169	44	productive	productive	ADJ
abrj-544	169	45	activities	activity	NOUN
abrj-544	169	46	,	,	PUNCT
abrj-544	169	47	smooth	smooth	ADJ
abrj-544	169	48	consumption	consumption	NOUN
abrj-544	169	49	patterns	pattern	NOUN
abrj-544	169	50	,	,	PUNCT
abrj-544	169	51	and	and	CCONJ
abrj-544	169	52	build	build	VERB
abrj-544	169	53	resilience	resilience	NOUN
abrj-544	169	54	against	against	ADP
abrj-544	169	55	economic	economic	ADJ
abrj-544	169	56	shocks	shock	NOUN
abrj-544	169	57	(	(	PUNCT
abrj-544	169	58	beck	beck	NOUN
abrj-544	169	59	et	et	PROPN
abrj-544	169	60	al	al	PROPN
abrj-544	169	61	.	.	PROPN
abrj-544	169	62	,	,	PUNCT
abrj-544	169	63	2007	2007	NUM
abrj-544	169	64	)	)	PUNCT
abrj-544	169	65	.	.	PUNCT
abrj-544	170	1	this	this	DET
abrj-544	170	2	finding	finding	NOUN
abrj-544	170	3	is	be	AUX
abrj-544	170	4	consistent	consistent	ADJ
abrj-544	170	5	with	with	ADP
abrj-544	170	6	empirical	empirical	ADJ
abrj-544	170	7	studies	study	NOUN
abrj-544	170	8	conducted	conduct	VERB
abrj-544	170	9	by	by	ADP
abrj-544	170	10	khandker	khandker	NOUN
abrj-544	170	11	(	(	PUNCT
abrj-544	170	12	2005	2005	NUM
abrj-544	170	13	)	)	PUNCT
abrj-544	170	14	and	and	CCONJ
abrj-544	170	15	pitt	pitt	PROPN
abrj-544	170	16	&	&	CCONJ
abrj-544	170	17	khandker	khandker	PROPN
abrj-544	170	18	(	(	PUNCT
abrj-544	170	19	1998	1998	NUM
abrj-544	170	20	)	)	PUNCT
abrj-544	170	21	,	,	PUNCT
abrj-544	170	22	who	who	PRON
abrj-544	170	23	documented	document	VERB
abrj-544	170	24	positive	positive	ADJ
abrj-544	170	25	impacts	impact	NOUN
abrj-544	170	26	of	of	ADP
abrj-544	170	27	microfinance	microfinance	NOUN
abrj-544	170	28	programmes	programme	NOUN
abrj-544	170	29	on	on	ADP
abrj-544	170	30	household	household	NOUN
abrj-544	170	31	welfare	welfare	NOUN
abrj-544	170	32	in	in	ADP
abrj-544	170	33	rural	rural	ADJ
abrj-544	170	34	bangladesh	bangladesh	NOUN
abrj-544	170	35	,	,	PUNCT
abrj-544	170	36	though	though	SCONJ
abrj-544	170	37	the	the	DET
abrj-544	170	38	magnitude	magnitude	NOUN
abrj-544	170	39	of	of	ADP
abrj-544	170	40	effects	effect	NOUN
abrj-544	170	41	observed	observe	VERB
abrj-544	170	42	in	in	ADP
abrj-544	170	43	this	this	DET
abrj-544	170	44	study	study	NOUN
abrj-544	170	45	is	be	AUX
abrj-544	170	46	somewhat	somewhat	ADV
abrj-544	170	47	smaller	small	ADJ
abrj-544	170	48	than	than	ADP
abrj-544	170	49	those	those	PRON
abrj-544	170	50	reported	report	VERB
abrj-544	170	51	in	in	ADP
abrj-544	170	52	earlier	early	ADJ
abrj-544	170	53	research	research	NOUN
abrj-544	170	54	.	.	PUNCT
abrj-544	171	1	the	the	DET
abrj-544	171	2	mediating	mediate	VERB
abrj-544	171	3	role	role	NOUN
abrj-544	171	4	of	of	ADP
abrj-544	171	5	financial	financial	ADJ
abrj-544	171	6	capability	capability	NOUN
abrj-544	171	7	in	in	ADP
abrj-544	171	8	transmitting	transmit	VERB
abrj-544	171	9	microfinance	microfinance	NOUN
abrj-544	171	10	benefits	benefit	NOUN
abrj-544	171	11	to	to	ADP
abrj-544	171	12	poverty	poverty	NOUN
abrj-544	171	13	reduction	reduction	NOUN
abrj-544	171	14	outcomes	outcome	NOUN
abrj-544	171	15	represents	represent	VERB
abrj-544	171	16	a	a	DET
abrj-544	171	17	significant	significant	ADJ
abrj-544	171	18	theoretical	theoretical	ADJ
abrj-544	171	19	contribution	contribution	NOUN
abrj-544	171	20	that	that	PRON
abrj-544	171	21	extends	extend	VERB
abrj-544	171	22	beyond	beyond	ADP
abrj-544	171	23	existing	exist	VERB
abrj-544	171	24	literature	literature	NOUN
abrj-544	171	25	.	.	PUNCT
abrj-544	172	1	the	the	DET
abrj-544	172	2	finding	finding	NOUN
abrj-544	172	3	that	that	SCONJ
abrj-544	172	4	financial	financial	ADJ
abrj-544	172	5	capability	capability	NOUN
abrj-544	172	6	serves	serve	VERB
abrj-544	172	7	as	as	ADP
abrj-544	172	8	a	a	DET
abrj-544	172	9	stronger	strong	ADJ
abrj-544	172	10	mediator	mediator	NOUN
abrj-544	172	11	(	(	PUNCT
abrj-544	172	12	β	β	X
abrj-544	172	13	=	=	SYM
abrj-544	172	14	0.156	0.156	NUM
abrj-544	172	15	,	,	PUNCT
abrj-544	172	16	p	p	X
abrj-544	172	17	<	<	X
abrj-544	172	18	0.001	0.001	NUM
abrj-544	172	19	)	)	PUNCT
abrj-544	172	20	than	than	ADP
abrj-544	172	21	social	social	ADJ
abrj-544	172	22	capital	capital	NOUN
abrj-544	172	23	(	(	PUNCT
abrj-544	172	24	β	β	X
abrj-544	172	25	=	=	NOUN
abrj-544	172	26	0.092	0.092	NUM
abrj-544	172	27	,	,	PUNCT
abrj-544	172	28	p	p	X
abrj-544	172	29	<	<	X
abrj-544	172	30	0.001	0.001	NUM
abrj-544	172	31	)	)	PUNCT
abrj-544	172	32	suggests	suggest	VERB
abrj-544	172	33	that	that	SCONJ
abrj-544	172	34	the	the	DET
abrj-544	172	35	effectiveness	effectiveness	NOUN
abrj-544	172	36	of	of	ADP
abrj-544	172	37	microfinance	microfinance	NOUN
abrj-544	172	38	interventions	intervention	NOUN
abrj-544	172	39	depends	depend	VERB
abrj-544	172	40	critically	critically	ADV
abrj-544	172	41	on	on	ADP
abrj-544	172	42	households	household	NOUN
abrj-544	172	43	'	'	PART
abrj-544	172	44	ability	ability	NOUN
abrj-544	172	45	to	to	PART
abrj-544	172	46	understand	understand	VERB
abrj-544	172	47	and	and	CCONJ
abrj-544	172	48	utilise	utilise	VERB
abrj-544	172	49	financial	financial	ADJ
abrj-544	172	50	services	service	NOUN
abrj-544	172	51	effectively	effectively	ADV
abrj-544	172	52	.	.	PUNCT
abrj-544	173	1	this	this	DET
abrj-544	173	2	result	result	NOUN
abrj-544	173	3	supports	support	VERB
abrj-544	173	4	the	the	DET
abrj-544	173	5	arguments	argument	NOUN
abrj-544	173	6	advanced	advance	VERB
abrj-544	173	7	by	by	ADP
abrj-544	173	8	lusardi	lusardi	PROPN
abrj-544	173	9	&	&	CCONJ
abrj-544	173	10	mitchell	mitchell	PROPN
abrj-544	173	11	(	(	PUNCT
abrj-544	173	12	2014	2014	NUM
abrj-544	173	13	)	)	PUNCT
abrj-544	173	14	regarding	regard	VERB
abrj-544	173	15	the	the	DET
abrj-544	173	16	importance	importance	NOUN
abrj-544	173	17	of	of	ADP
abrj-544	173	18	financial	financial	ADJ
abrj-544	173	19	literacy	literacy	NOUN
abrj-544	173	20	for	for	ADP
abrj-544	173	21	optimal	optimal	ADJ
abrj-544	173	22	financial	financial	ADJ
abrj-544	173	23	decision	decision	NOUN
abrj-544	173	24	-	-	PUNCT
abrj-544	173	25	making	making	NOUN
abrj-544	173	26	,	,	PUNCT
abrj-544	173	27	while	while	SCONJ
abrj-544	173	28	extending	extend	VERB
abrj-544	173	29	their	their	PRON
abrj-544	173	30	theoretical	theoretical	ADJ
abrj-544	173	31	framework	framework	NOUN
abrj-544	173	32	to	to	ADP
abrj-544	173	33	the	the	DET
abrj-544	173	34	specific	specific	ADJ
abrj-544	173	35	context	context	NOUN
abrj-544	173	36	of	of	ADP
abrj-544	173	37	microfinance	microfinance	NOUN
abrj-544	173	38	utilisation	utilisation	NOUN
abrj-544	173	39	in	in	ADP
abrj-544	173	40	developing	develop	VERB
abrj-544	173	41	countries	country	NOUN
abrj-544	173	42	.	.	PUNCT
abrj-544	174	1	the	the	DET
abrj-544	174	2	significant	significant	ADJ
abrj-544	174	3	relationship	relationship	NOUN
abrj-544	174	4	between	between	ADP
abrj-544	174	5	microfinance	microfinance	NOUN
abrj-544	174	6	accessibility	accessibility	NOUN
abrj-544	174	7	and	and	CCONJ
abrj-544	174	8	social	social	ADJ
abrj-544	174	9	capital	capital	NOUN
abrj-544	174	10	development	development	NOUN
abrj-544	174	11	(	(	PUNCT
abrj-544	174	12	β	β	X
abrj-544	174	13	=	=	PUNCT
abrj-544	174	14	0.387	0.387	NUM
abrj-544	174	15	,	,	PUNCT
abrj-544	174	16	p	p	X
abrj-544	174	17	<	<	X
abrj-544	174	18	0.001	0.001	NUM
abrj-544	174	19	)	)	PUNCT
abrj-544	174	20	provides	provide	VERB
abrj-544	174	21	empirical	empirical	ADJ
abrj-544	174	22	support	support	NOUN
abrj-544	174	23	for	for	ADP
abrj-544	174	24	the	the	DET
abrj-544	174	25	theoretical	theoretical	ADJ
abrj-544	174	26	arguments	argument	NOUN
abrj-544	174	27	proposed	propose	VERB
abrj-544	174	28	by	by	ADP
abrj-544	174	29	putnam	putnam	PROPN
abrj-544	174	30	(	(	PUNCT
abrj-544	174	31	2000	2000	NUM
abrj-544	174	32	)	)	PUNCT
abrj-544	174	33	and	and	CCONJ
abrj-544	174	34	coleman	coleman	PROPN
abrj-544	174	35	(	(	PUNCT
abrj-544	174	36	1988	1988	NUM
abrj-544	174	37	)	)	PUNCT
abrj-544	174	38	regarding	regard	VERB
abrj-544	174	39	the	the	DET
abrj-544	174	40	social	social	ADJ
abrj-544	174	41	capital	capital	NOUN
abrj-544	174	42	-	-	PUNCT
abrj-544	174	43	generating	generate	VERB
abrj-544	174	44	potential	potential	NOUN
abrj-544	174	45	of	of	ADP
abrj-544	174	46	group	group	NOUN
abrj-544	174	47	-	-	PUNCT
abrj-544	174	48	based	base	VERB
abrj-544	174	49	financial	financial	ADJ
abrj-544	174	50	interventions	intervention	NOUN
abrj-544	174	51	.	.	PUNCT
abrj-544	175	1	the	the	DET
abrj-544	175	2	finding	finding	NOUN
abrj-544	175	3	that	that	SCONJ
abrj-544	175	4	microfinance	microfinance	NOUN
abrj-544	175	5	participation	participation	NOUN
abrj-544	175	6	contributes	contribute	VERB
abrj-544	175	7	to	to	PART
abrj-544	175	8	strengthened	strengthen	VERB
abrj-544	175	9	social	social	ADJ
abrj-544	175	10	networks	network	NOUN
abrj-544	175	11	and	and	CCONJ
abrj-544	175	12	enhanced	enhance	VERB
abrj-544	175	13	trust	trust	NOUN
abrj-544	175	14	relationships	relationship	NOUN
abrj-544	175	15	within	within	ADP
abrj-544	175	16	communities	community	NOUN
abrj-544	175	17	has	have	VERB
abrj-544	175	18	important	important	ADJ
abrj-544	175	19	implications	implication	NOUN
abrj-544	175	20	for	for	ADP
abrj-544	175	21	understanding	understand	VERB
abrj-544	175	22	the	the	DET
abrj-544	175	23	broader	broad	ADJ
abrj-544	175	24	social	social	ADJ
abrj-544	175	25	impacts	impact	NOUN
abrj-544	175	26	of	of	ADP
abrj-544	175	27	microfinance	microfinance	NOUN
abrj-544	175	28	programmes	programme	NOUN
abrj-544	175	29	beyond	beyond	ADP
abrj-544	175	30	their	their	PRON
abrj-544	175	31	immediate	immediate	ADJ
abrj-544	175	32	economic	economic	ADJ
abrj-544	175	33	effects	effect	NOUN
abrj-544	175	34	(	(	PUNCT
abrj-544	175	35	feigenberg	feigenberg	PROPN
abrj-544	175	36	et	et	PROPN
abrj-544	175	37	al	al	PROPN
abrj-544	175	38	.	.	PROPN
abrj-544	175	39	,	,	PUNCT
abrj-544	175	40	2013	2013	NUM
abrj-544	175	41	)	)	PUNCT
abrj-544	175	42	.	.	PUNCT
abrj-544	176	1	the	the	DET
abrj-544	176	2	moderation	moderation	NOUN
abrj-544	176	3	analysis	analysis	NOUN
abrj-544	176	4	reveals	reveal	VERB
abrj-544	176	5	crucial	crucial	ADJ
abrj-544	176	6	insights	insight	NOUN
abrj-544	176	7	regarding	regard	VERB
abrj-544	176	8	the	the	DET
abrj-544	176	9	contextual	contextual	ADJ
abrj-544	176	10	factors	factor	NOUN
abrj-544	176	11	that	that	PRON
abrj-544	176	12	influence	influence	NOUN
abrj-544	176	13	microfinance	microfinance	NOUN
abrj-544	176	14	effectiveness	effectiveness	NOUN
abrj-544	176	15	,	,	PUNCT
abrj-544	176	16	with	with	ADP
abrj-544	176	17	geographic	geographic	ADJ
abrj-544	176	18	remoteness	remoteness	NOUN
abrj-544	176	19	significantly	significantly	ADV
abrj-544	176	20	weakening	weaken	VERB
abrj-544	176	21	the	the	DET
abrj-544	176	22	relationship	relationship	NOUN
abrj-544	176	23	between	between	ADP
abrj-544	176	24	microfinance	microfinance	NOUN
abrj-544	176	25	accessibility	accessibility	NOUN
abrj-544	176	26	and	and	CCONJ
abrj-544	176	27	poverty	poverty	NOUN
abrj-544	176	28	reduction	reduction	NOUN
abrj-544	176	29	outcomes	outcome	NOUN
abrj-544	176	30	(	(	PUNCT
abrj-544	176	31	β	β	X
abrj-544	176	32	=	=	SYM
abrj-544	176	33	-0.156	-0.156	PROPN
abrj-544	176	34	,	,	PUNCT
abrj-544	176	35	p	p	X
abrj-544	176	36	<	<	X
abrj-544	176	37	0.01	0.01	NUM
abrj-544	176	38	)	)	PUNCT
abrj-544	176	39	.	.	PUNCT
abrj-544	177	1	this	this	DET
abrj-544	177	2	finding	finding	NOUN
abrj-544	177	3	highlights	highlight	VERB
abrj-544	177	4	the	the	DET
abrj-544	177	5	persistent	persistent	ADJ
abrj-544	177	6	challenges	challenge	NOUN
abrj-544	177	7	associated	associate	VERB
abrj-544	177	8	with	with	ADP
abrj-544	177	9	service	service	NOUN
abrj-544	177	10	delivery	delivery	NOUN
abrj-544	177	11	in	in	ADP
abrj-544	177	12	remote	remote	ADJ
abrj-544	177	13	rural	rural	ADJ
abrj-544	177	14	areas	area	NOUN
abrj-544	177	15	,	,	PUNCT
abrj-544	177	16	where	where	SCONJ
abrj-544	177	17	high	high	ADJ
abrj-544	177	18	transaction	transaction	NOUN
abrj-544	177	19	costs	cost	NOUN
abrj-544	177	20	,	,	PUNCT
abrj-544	177	21	limited	limited	ADJ
abrj-544	177	22	infrastructure	infrastructure	NOUN
abrj-544	177	23	,	,	PUNCT
abrj-544	177	24	and	and	CCONJ
abrj-544	177	25	geographic	geographic	ADJ
abrj-544	177	26	isolation	isolation	NOUN
abrj-544	177	27	constrain	constrain	VERB
abrj-544	177	28	the	the	DET
abrj-544	177	29	ability	ability	NOUN
abrj-544	177	30	of	of	ADP
abrj-544	177	31	microfinance	microfinance	NOUN
abrj-544	177	32	institutions	institution	NOUN
abrj-544	177	33	to	to	PART
abrj-544	177	34	achieve	achieve	VERB
abrj-544	177	35	their	their	PRON
abrj-544	177	36	poverty	poverty	NOUN
abrj-544	177	37	alleviation	alleviation	NOUN
abrj-544	177	38	objectives	objective	NOUN
abrj-544	177	39	(	(	PUNCT
abrj-544	177	40	beck	beck	PROPN
abrj-544	177	41	et	et	PROPN
abrj-544	177	42	al	al	PROPN
abrj-544	177	43	.	.	PROPN
abrj-544	177	44	,	,	PUNCT
abrj-544	177	45	2008	2008	NUM
abrj-544	177	46	)	)	PUNCT
abrj-544	177	47	.	.	PUNCT
abrj-544	178	1	the	the	DET
abrj-544	178	2	result	result	NOUN
abrj-544	178	3	suggests	suggest	VERB
abrj-544	178	4	that	that	SCONJ
abrj-544	178	5	traditional	traditional	ADJ
abrj-544	178	6	microfinance	microfinance	NOUN
abrj-544	178	7	delivery	delivery	NOUN
abrj-544	178	8	models	model	NOUN
abrj-544	178	9	may	may	AUX
abrj-544	178	10	require	require	VERB
abrj-544	178	11	adaptation	adaptation	NOUN
abrj-544	178	12	for	for	ADP
abrj-544	178	13	remote	remote	ADJ
abrj-544	178	14	contexts	contexts	NOUN
abrj-544	178	15	,	,	PUNCT
abrj-544	178	16	potentially	potentially	ADV
abrj-544	178	17	incorporating	incorporate	VERB
abrj-544	178	18	mobile	mobile	ADJ
abrj-544	178	19	banking	banking	NOUN
abrj-544	178	20	technologies	technology	NOUN
abrj-544	178	21	or	or	CCONJ
abrj-544	178	22	agent	agent	NOUN
abrj-544	178	23	-	-	PUNCT
abrj-544	178	24	based	base	VERB
abrj-544	178	25	service	service	NOUN
abrj-544	178	26	delivery	delivery	NOUN
abrj-544	178	27	mechanisms	mechanism	NOUN
abrj-544	178	28	to	to	PART
abrj-544	178	29	overcome	overcome	VERB
abrj-544	178	30	geographic	geographic	ADJ
abrj-544	178	31	barriers	barrier	NOUN
abrj-544	178	32	.	.	PUNCT
abrj-544	179	1	conversely	conversely	ADV
abrj-544	179	2	,	,	PUNCT
abrj-544	179	3	the	the	DET
abrj-544	179	4	positive	positive	ADJ
abrj-544	179	5	moderating	moderate	VERB
abrj-544	179	6	effect	effect	NOUN
abrj-544	179	7	of	of	ADP
abrj-544	179	8	institutional	institutional	ADJ
abrj-544	179	9	quality	quality	NOUN
abrj-544	179	10	(	(	PUNCT
abrj-544	179	11	β	β	X
abrj-544	179	12	=	=	SYM
abrj-544	179	13	0.198	0.198	NUM
abrj-544	179	14	,	,	PUNCT
abrj-544	179	15	p	p	X
abrj-544	179	16	<	<	X
abrj-544	179	17	0.001	0.001	NUM
abrj-544	179	18	)	)	PUNCT
abrj-544	179	19	demonstrates	demonstrate	VERB
abrj-544	179	20	the	the	DET
abrj-544	179	21	importance	importance	NOUN
abrj-544	179	22	of	of	ADP
abrj-544	179	23	supportive	supportive	ADJ
abrj-544	179	24	institutional	institutional	ADJ
abrj-544	179	25	environments	environment	NOUN
abrj-544	179	26	for	for	ADP
abrj-544	179	27	microfinance	microfinance	NOUN
abrj-544	179	28	effectiveness	effectiveness	NOUN
abrj-544	179	29	.	.	PUNCT
abrj-544	180	1	this	this	DET
abrj-544	180	2	finding	finding	NOUN
abrj-544	180	3	aligns	align	VERB
abrj-544	180	4	with	with	ADP
abrj-544	180	5	institutional	institutional	ADJ
abrj-544	180	6	theory	theory	NOUN
abrj-544	180	7	predictions	prediction	NOUN
abrj-544	180	8	that	that	PRON
abrj-544	180	9	formal	formal	ADJ
abrj-544	180	10	and	and	CCONJ
abrj-544	180	11	informal	informal	ADJ
abrj-544	180	12	institutions	institution	NOUN
abrj-544	180	13	play	play	VERB
abrj-544	180	14	crucial	crucial	ADJ
abrj-544	180	15	roles	role	NOUN
abrj-544	180	16	in	in	ADP
abrj-544	180	17	determining	determine	VERB
abrj-544	180	18	the	the	DET
abrj-544	180	19	success	success	NOUN
abrj-544	180	20	of	of	ADP
abrj-544	180	21	development	development	NOUN
abrj-544	180	22	interventions	intervention	NOUN
abrj-544	180	23	(	(	PUNCT
abrj-544	180	24	north	north	NOUN
abrj-544	180	25	,	,	PUNCT
abrj-544	180	26	1990	1990	NUM
abrj-544	180	27	;	;	PUNCT
abrj-544	180	28	williamson	williamson	PROPN
abrj-544	180	29	,	,	PUNCT
abrj-544	180	30	2000	2000	NUM
abrj-544	180	31	)	)	PUNCT
abrj-544	180	32	.	.	PUNCT
abrj-544	181	1	the	the	DET
abrj-544	181	2	result	result	NOUN
abrj-544	181	3	suggests	suggest	VERB
abrj-544	181	4	that	that	SCONJ
abrj-544	181	5	microfinance	microfinance	NOUN
abrj-544	181	6	programmes	programme	NOUN
abrj-544	181	7	are	be	AUX
abrj-544	181	8	more	more	ADV
abrj-544	181	9	likely	likely	ADJ
abrj-544	181	10	to	to	PART
abrj-544	181	11	achieve	achieve	VERB
abrj-544	181	12	their	their	PRON
abrj-544	181	13	poverty	poverty	NOUN
abrj-544	181	14	reduction	reduction	NOUN
abrj-544	181	15	objectives	objective	NOUN
abrj-544	181	16	in	in	ADP
abrj-544	181	17	contexts	context	NOUN
abrj-544	181	18	characterised	characterise	VERB
abrj-544	181	19	by	by	ADP
abrj-544	181	20	effective	effective	ADJ
abrj-544	181	21	governance	governance	NOUN
abrj-544	181	22	,	,	PUNCT
abrj-544	181	23	strong	strong	ADJ
abrj-544	181	24	rule	rule	NOUN
abrj-544	181	25	of	of	ADP
abrj-544	181	26	law	law	NOUN
abrj-544	181	27	,	,	PUNCT
abrj-544	181	28	and	and	CCONJ
abrj-544	181	29	well	well	ADV
abrj-544	181	30	-	-	PUNCT
abrj-544	181	31	functioning	function	VERB
abrj-544	181	32	regulatory	regulatory	ADJ
abrj-544	181	33	frameworks	framework	NOUN
abrj-544	181	34	.	.	PUNCT
abrj-544	182	1	the	the	DET
abrj-544	182	2	multigroup	multigroup	PROPN
abrj-544	182	3	analysis	analysis	NOUN
abrj-544	182	4	provides	provide	VERB
abrj-544	182	5	valuable	valuable	ADJ
abrj-544	182	6	insights	insight	NOUN
abrj-544	182	7	into	into	ADP
abrj-544	182	8	the	the	DET
abrj-544	182	9	heterogeneous	heterogeneous	ADJ
abrj-544	182	10	impacts	impact	NOUN
abrj-544	182	11	of	of	ADP
abrj-544	182	12	microfinance	microfinance	NOUN
abrj-544	182	13	across	across	ADP
abrj-544	182	14	different	different	ADJ
abrj-544	182	15	demographic	demographic	ADJ
abrj-544	182	16	groups	group	NOUN
abrj-544	182	17	,	,	PUNCT
abrj-544	182	18	with	with	ADP
abrj-544	182	19	ethnic	ethnic	ADJ
abrj-544	182	20	minority	minority	NOUN
abrj-544	182	21	households	household	NOUN
abrj-544	182	22	experiencing	experience	VERB
abrj-544	182	23	stronger	strong	ADJ
abrj-544	182	24	poverty	poverty	NOUN
abrj-544	182	25	reduction	reduction	NOUN
abrj-544	182	26	effects	effect	NOUN
abrj-544	182	27	compared	compare	VERB
abrj-544	182	28	to	to	ADP
abrj-544	182	29	ethnic	ethnic	ADJ
abrj-544	182	30	majority	majority	NOUN
abrj-544	182	31	households	household	NOUN
abrj-544	182	32	.	.	PUNCT
abrj-544	183	1	this	this	DET
abrj-544	183	2	finding	finding	NOUN
abrj-544	183	3	may	may	AUX
abrj-544	183	4	reflect	reflect	VERB
abrj-544	183	5	the	the	DET
abrj-544	183	6	greater	great	ADJ
abrj-544	183	7	financial	financial	ADJ
abrj-544	183	8	exclusion	exclusion	NOUN
abrj-544	183	9	experienced	experience	VERB
abrj-544	183	10	by	by	ADP
abrj-544	183	11	ethnic	ethnic	ADJ
abrj-544	183	12	minority	minority	NOUN
abrj-544	183	13	populations	population	NOUN
abrj-544	183	14	prior	prior	ADV
abrj-544	183	15	to	to	ADP
abrj-544	183	16	microfinance	microfinance	NOUN
abrj-544	183	17	intervention	intervention	NOUN
abrj-544	183	18	,	,	PUNCT
abrj-544	183	19	suggesting	suggest	VERB
abrj-544	183	20	that	that	SCONJ
abrj-544	183	21	programmes	programme	NOUN
abrj-544	183	22	targeting	target	VERB
abrj-544	183	23	previously	previously	ADV
abrj-544	183	24	excluded	exclude	VERB
abrj-544	183	25	populations	population	NOUN
abrj-544	183	26	may	may	AUX
abrj-544	183	27	achieve	achieve	VERB
abrj-544	183	28	greater	great	ADJ
abrj-544	183	29	marginal	marginal	ADJ
abrj-544	183	30	impacts	impact	NOUN
abrj-544	183	31	(	(	PUNCT
abrj-544	183	32	morduch	morduch	ADJ
abrj-544	183	33	,	,	PUNCT
abrj-544	183	34	2000	2000	NUM
abrj-544	183	35	)	)	PUNCT
abrj-544	183	36	.	.	PUNCT
abrj-544	184	1	the	the	DET
abrj-544	184	2	result	result	NOUN
abrj-544	184	3	has	have	VERB
abrj-544	184	4	important	important	ADJ
abrj-544	184	5	implications	implication	NOUN
abrj-544	184	6	for	for	ADP
abrj-544	184	7	microfinance	microfinance	NOUN
abrj-544	184	8	programme	programme	NOUN
abrj-544	184	9	design	design	NOUN
abrj-544	184	10	and	and	CCONJ
abrj-544	184	11	targeting	targeting	NOUN
abrj-544	184	12	strategies	strategy	NOUN
abrj-544	184	13	,	,	PUNCT
abrj-544	184	14	indicating	indicate	VERB
abrj-544	184	15	that	that	SCONJ
abrj-544	184	16	interventions	intervention	NOUN
abrj-544	184	17	focused	focus	VERB
abrj-544	184	18	on	on	ADP
abrj-544	184	19	ethnic	ethnic	ADJ
abrj-544	184	20	minority	minority	NOUN
abrj-544	184	21	communities	community	NOUN
abrj-544	184	22	may	may	AUX
abrj-544	184	23	generate	generate	VERB
abrj-544	184	24	higher	high	ADJ
abrj-544	184	25	social	social	ADJ
abrj-544	184	26	returns	return	NOUN
abrj-544	184	27	on	on	ADP
abrj-544	184	28	investment	investment	NOUN
abrj-544	184	29	.	.	PUNCT
abrj-544	185	1	the	the	DET
abrj-544	185	2	fsqca	fsqca	NOUN
abrj-544	185	3	analysis	analysis	NOUN
abrj-544	185	4	contributes	contribute	VERB
abrj-544	185	5	to	to	ADP
abrj-544	185	6	the	the	DET
abrj-544	185	7	literature	literature	NOUN
abrj-544	185	8	by	by	ADP
abrj-544	185	9	identifying	identify	VERB
abrj-544	185	10	distinct	distinct	ADJ
abrj-544	185	11	configurational	configurational	ADJ
abrj-544	185	12	pathways	pathway	NOUN
abrj-544	185	13	through	through	ADP
abrj-544	185	14	which	which	PRON
abrj-544	185	15	microfinance	microfinance	NOUN
abrj-544	185	16	accessibility	accessibility	NOUN
abrj-544	185	17	contributes	contribute	VERB
abrj-544	185	18	to	to	ADP
abrj-544	185	19	poverty	poverty	NOUN
abrj-544	185	20	reduction	reduction	NOUN
abrj-544	185	21	outcomes	outcome	NOUN
abrj-544	185	22	.	.	PUNCT
abrj-544	186	1	the	the	DET
abrj-544	186	2	three	three	NUM
abrj-544	186	3	configurations	configuration	NOUN
abrj-544	186	4	identified	identify	VERB
abrj-544	186	5	in	in	ADP
abrj-544	186	6	the	the	DET
abrj-544	186	7	analysis	analysis	NOUN
abrj-544	186	8	demonstrate	demonstrate	VERB
abrj-544	186	9	that	that	SCONJ
abrj-544	186	10	there	there	PRON
abrj-544	186	11	are	be	VERB
abrj-544	186	12	multiple	multiple	ADJ
abrj-544	186	13	routes	route	NOUN
abrj-544	186	14	to	to	ADP
abrj-544	186	15	achieving	achieve	VERB
abrj-544	186	16	high	high	ADJ
abrj-544	186	17	poverty	poverty	NOUN
abrj-544	186	18	reduction	reduction	NOUN
abrj-544	186	19	outcomes	outcome	NOUN
abrj-544	186	20	,	,	PUNCT
abrj-544	186	21	with	with	ADP
abrj-544	186	22	different	different	ADJ
abrj-544	186	23	combinations	combination	NOUN
abrj-544	186	24	of	of	ADP
abrj-544	186	25	microfinance	microfinance	NOUN
abrj-544	186	26	accessibility	accessibility	NOUN
abrj-544	186	27	,	,	PUNCT
abrj-544	186	28	financial	financial	ADJ
abrj-544	186	29	capability	capability	NOUN
abrj-544	186	30	,	,	PUNCT
abrj-544	186	31	social	social	ADJ
abrj-544	186	32	capital	capital	NOUN
abrj-544	186	33	,	,	PUNCT
abrj-544	186	34	geographic	geographic	ADJ
abrj-544	186	35	remoteness	remoteness	NOUN
abrj-544	186	36	,	,	PUNCT
abrj-544	186	37	and	and	CCONJ
abrj-544	186	38	institutional	institutional	ADJ
abrj-544	186	39	quality	quality	NOUN
abrj-544	186	40	generating	generate	VERB
abrj-544	186	41	similar	similar	ADJ
abrj-544	186	42	welfare	welfare	NOUN
abrj-544	186	43	improvements	improvement	NOUN
abrj-544	186	44	.	.	PUNCT
abrj-544	187	1	this	this	DET
abrj-544	187	2	finding	finding	NOUN
abrj-544	187	3	supports	support	VERB
abrj-544	187	4	the	the	DET
abrj-544	187	5	argument	argument	NOUN
abrj-544	187	6	that	that	SCONJ
abrj-544	187	7	development	development	NOUN
abrj-544	187	8	interventions	intervention	NOUN
abrj-544	187	9	should	should	AUX
abrj-544	187	10	adopt	adopt	VERB
abrj-544	187	11	contingency	contingency	NOUN
abrj-544	187	12	approaches	approach	NOUN
abrj-544	187	13	that	that	PRON
abrj-544	187	14	recognise	recognise	VERB
abrj-544	187	15	the	the	DET
abrj-544	187	16	importance	importance	NOUN
abrj-544	187	17	of	of	ADP
abrj-544	187	18	contextual	contextual	ADJ
abrj-544	187	19	factors	factor	NOUN
abrj-544	187	20	in	in	ADP
abrj-544	187	21	determining	determine	VERB
abrj-544	187	22	programme	programme	NOUN
abrj-544	187	23	effectiveness	effectiveness	NOUN
abrj-544	187	24	(	(	PUNCT
abrj-544	187	25	pawson	pawson	PROPN
abrj-544	187	26	&	&	CCONJ
abrj-544	187	27	tilley	tilley	PROPN
abrj-544	187	28	,	,	PUNCT
abrj-544	187	29	1997	1997	NUM
abrj-544	187	30	)	)	PUNCT
abrj-544	187	31	.	.	PUNCT
abrj-544	188	1	the	the	DET
abrj-544	188	2	study	study	NOUN
abrj-544	188	3	's	's	PART
abrj-544	188	4	theoretical	theoretical	ADJ
abrj-544	188	5	contributions	contribution	NOUN
abrj-544	188	6	extend	extend	VERB
abrj-544	188	7	beyond	beyond	ADP
abrj-544	188	8	the	the	DET
abrj-544	188	9	specific	specific	ADJ
abrj-544	188	10	context	context	NOUN
abrj-544	188	11	of	of	ADP
abrj-544	188	12	vietnam	vietnam	PROPN
abrj-544	188	13	to	to	PART
abrj-544	188	14	offer	offer	VERB
abrj-544	188	15	insights	insight	NOUN
abrj-544	188	16	into	into	ADP
abrj-544	188	17	the	the	DET
abrj-544	188	18	broader	broad	ADJ
abrj-544	188	19	mechanisms	mechanism	NOUN
abrj-544	188	20	through	through	ADP
abrj-544	188	21	which	which	PRON
abrj-544	188	22	microfinance	microfinance	NOUN
abrj-544	188	23	programmes	programme	NOUN
abrj-544	188	24	can	can	AUX
abrj-544	188	25	optimise	optimise	VERB
abrj-544	188	26	their	their	PRON
abrj-544	188	27	poverty	poverty	NOUN
abrj-544	188	28	alleviation	alleviation	NOUN
abrj-544	188	29	impact	impact	NOUN
abrj-544	188	30	.	.	PUNCT
abrj-544	189	1	the	the	DET
abrj-544	189	2	integrated	integrate	VERB
abrj-544	189	3	theoretical	theoretical	ADJ
abrj-544	189	4	framework	framework	NOUN
abrj-544	189	5	developed	develop	VERB
abrj-544	189	6	in	in	ADP
abrj-544	189	7	this	this	DET
abrj-544	189	8	study	study	NOUN
abrj-544	189	9	,	,	PUNCT
abrj-544	189	10	which	which	PRON
abrj-544	189	11	combines	combine	VERB
abrj-544	189	12	financial	financial	ADJ
abrj-544	189	13	inclusion	inclusion	NOUN
abrj-544	189	14	theory	theory	NOUN
abrj-544	189	15	,	,	PUNCT
abrj-544	189	16	capability	capability	NOUN
abrj-544	189	17	approach	approach	NOUN
abrj-544	189	18	,	,	PUNCT
abrj-544	189	19	and	and	CCONJ
abrj-544	189	20	institutional	institutional	ADJ
abrj-544	189	21	theory	theory	NOUN
abrj-544	189	22	,	,	PUNCT
abrj-544	189	23	provides	provide	VERB
abrj-544	189	24	a	a	DET
abrj-544	189	25	more	more	ADV
abrj-544	189	26	comprehensive	comprehensive	ADJ
abrj-544	189	27	understanding	understanding	NOUN
abrj-544	189	28	of	of	ADP
abrj-544	189	29	microfinance	microfinance	NOUN
abrj-544	189	30	effectiveness	effectiveness	NOUN
abrj-544	189	31	than	than	ADP
abrj-544	189	32	previous	previous	ADJ
abrj-544	189	33	studies	study	NOUN
abrj-544	189	34	that	that	PRON
abrj-544	189	35	focused	focus	VERB
abrj-544	189	36	on	on	ADP
abrj-544	189	37	single	single	ADJ
abrj-544	189	38	theoretical	theoretical	ADJ
abrj-544	189	39	perspectives	perspective	NOUN
abrj-544	189	40	.	.	PUNCT
abrj-544	190	1	the	the	DET
abrj-544	190	2	framework	framework	NOUN
abrj-544	190	3	's	's	PART
abrj-544	190	4	emphasis	emphasis	NOUN
abrj-544	190	5	on	on	ADP
abrj-544	190	6	mediating	mediate	VERB
abrj-544	190	7	mechanisms	mechanism	NOUN
abrj-544	190	8	and	and	CCONJ
abrj-544	190	9	contextual	contextual	ADJ
abrj-544	190	10	moderators	moderator	NOUN
abrj-544	190	11	offers	offer	VERB
abrj-544	190	12	practical	practical	ADJ
abrj-544	190	13	guidance	guidance	NOUN
abrj-544	190	14	for	for	ADP
abrj-544	190	15	programme	programme	NOUN
abrj-544	190	16	designers	designer	NOUN
abrj-544	190	17	seeking	seek	VERB
abrj-544	190	18	to	to	PART
abrj-544	190	19	enhance	enhance	VERB
abrj-544	190	20	microfinance	microfinance	NOUN
abrj-544	190	21	impact	impact	NOUN
abrj-544	190	22	in	in	ADP
abrj-544	190	23	diverse	diverse	ADJ
abrj-544	190	24	rural	rural	ADJ
abrj-544	190	25	contexts	contexts	NOUN
abrj-544	190	26	.	.	PUNCT
abrj-544	191	1	the	the	DET
abrj-544	191	2	empirical	empirical	ADJ
abrj-544	191	3	findings	finding	NOUN
abrj-544	191	4	have	have	VERB
abrj-544	191	5	significant	significant	ADJ
abrj-544	191	6	implications	implication	NOUN
abrj-544	191	7	for	for	ADP
abrj-544	191	8	policy	policy	NOUN
abrj-544	191	9	and	and	CCONJ
abrj-544	191	10	practice	practice	NOUN
abrj-544	191	11	in	in	ADP
abrj-544	191	12	microfinance	microfinance	NOUN
abrj-544	191	13	programme	programme	NOUN
abrj-544	191	14	design	design	NOUN
abrj-544	191	15	and	and	CCONJ
abrj-544	191	16	implementation	implementation	NOUN
abrj-544	191	17	.	.	PUNCT
abrj-544	192	1	the	the	DET
abrj-544	192	2	importance	importance	NOUN
abrj-544	192	3	of	of	ADP
abrj-544	192	4	financial	financial	ADJ
abrj-544	192	5	capability	capability	NOUN
abrj-544	192	6	as	as	ADP
abrj-544	192	7	a	a	DET
abrj-544	192	8	mediating	mediate	VERB
abrj-544	192	9	mechanism	mechanism	NOUN
abrj-544	192	10	suggests	suggest	VERB
abrj-544	192	11	that	that	SCONJ
abrj-544	192	12	microfinance	microfinance	NOUN
abrj-544	192	13	institutions	institution	NOUN
abrj-544	192	14	should	should	AUX
abrj-544	192	15	invest	invest	VERB
abrj-544	192	16	in	in	ADP
abrj-544	192	17	comprehensive	comprehensive	ADJ
abrj-544	192	18	financial	financial	ADJ
abrj-544	192	19	education	education	NOUN
abrj-544	192	20	programmes	programme	NOUN
abrj-544	192	21	that	that	PRON
abrj-544	192	22	enhance	enhance	VERB
abrj-544	192	23	clients	client	NOUN
abrj-544	192	24	'	'	PART
abrj-544	192	25	ability	ability	NOUN
abrj-544	192	26	to	to	PART
abrj-544	192	27	utilise	utilise	VERB
abrj-544	192	28	financial	financial	ADJ
abrj-544	192	29	services	service	NOUN
abrj-544	192	30	effectively	effectively	ADV
abrj-544	192	31	.	.	PUNCT
abrj-544	193	1	the	the	DET
abrj-544	193	2	positive	positive	ADJ
abrj-544	193	3	relationship	relationship	NOUN
abrj-544	193	4	between	between	ADP
abrj-544	193	5	microfinance	microfinance	NOUN
abrj-544	193	6	accessibility	accessibility	NOUN
abrj-544	193	7	and	and	CCONJ
abrj-544	193	8	social	social	ADJ
abrj-544	193	9	capital	capital	NOUN
abrj-544	193	10	development	development	NOUN
abrj-544	193	11	indicates	indicate	VERB
abrj-544	193	12	that	that	SCONJ
abrj-544	193	13	group	group	NOUN
abrj-544	193	14	-	-	PUNCT
abrj-544	193	15	based	base	VERB
abrj-544	193	16	lending	lending	NOUN
abrj-544	193	17	models	model	NOUN
abrj-544	193	18	may	may	AUX
abrj-544	193	19	generate	generate	VERB
abrj-544	193	20	valuable	valuable	ADJ
abrj-544	193	21	social	social	ADJ
abrj-544	193	22	spillover	spillover	NOUN
abrj-544	193	23	effects	effect	NOUN
abrj-544	193	24	that	that	PRON
abrj-544	193	25	extend	extend	VERB
abrj-544	193	26	beyond	beyond	ADP
abrj-544	193	27	immediate	immediate	ADJ
abrj-544	193	28	economic	economic	ADJ
abrj-544	193	29	impacts	impact	NOUN
abrj-544	193	30	.	.	PUNCT
abrj-544	194	1	the	the	DET
abrj-544	194	2	study	study	NOUN
abrj-544	194	3	's	's	PART
abrj-544	194	4	limitations	limitation	NOUN
abrj-544	194	5	include	include	VERB
abrj-544	194	6	its	its	PRON
abrj-544	194	7	cross	cross	ADJ
abrj-544	194	8	-	-	ADJ
abrj-544	194	9	sectional	sectional	ADJ
abrj-544	194	10	design	design	NOUN
abrj-544	194	11	,	,	PUNCT
abrj-544	194	12	which	which	PRON
abrj-544	194	13	prevents	prevent	VERB
abrj-544	194	14	causal	causal	ADJ
abrj-544	194	15	inference	inference	NOUN
abrj-544	194	16	regarding	regard	VERB
abrj-544	194	17	the	the	DET
abrj-544	194	18	direction	direction	NOUN
abrj-544	194	19	of	of	ADP
abrj-544	194	20	relationships	relationship	NOUN
abrj-544	194	21	between	between	ADP
abrj-544	194	22	variables	variable	NOUN
abrj-544	194	23	,	,	PUNCT
abrj-544	194	24	and	and	CCONJ
abrj-544	194	25	its	its	PRON
abrj-544	194	26	focus	focus	NOUN
abrj-544	194	27	on	on	ADP
abrj-544	194	28	a	a	DET
abrj-544	194	29	single	single	ADJ
abrj-544	194	30	country	country	NOUN
abrj-544	194	31	context	context	NOUN
abrj-544	194	32	,	,	PUNCT
abrj-544	194	33	which	which	PRON
abrj-544	194	34	may	may	AUX
abrj-544	194	35	limit	limit	VERB
abrj-544	194	36	the	the	DET
abrj-544	194	37	generalisability	generalisability	NOUN
abrj-544	194	38	of	of	ADP
abrj-544	194	39	findings	finding	NOUN
abrj-544	194	40	to	to	ADP
abrj-544	194	41	other	other	ADJ
abrj-544	194	42	developing	develop	VERB
abrj-544	194	43	countries	country	NOUN
abrj-544	194	44	.	.	PUNCT
abrj-544	195	1	future	future	ADJ
abrj-544	195	2	research	research	NOUN
abrj-544	195	3	should	should	AUX
abrj-544	195	4	employ	employ	VERB
abrj-544	195	5	longitudinal	longitudinal	ADJ
abrj-544	195	6	designs	design	NOUN
abrj-544	195	7	to	to	PART
abrj-544	195	8	establish	establish	VERB
abrj-544	195	9	causal	causal	ADJ
abrj-544	195	10	relationships	relationship	NOUN
abrj-544	195	11	and	and	CCONJ
abrj-544	195	12	examine	examine	VERB
abrj-544	195	13	the	the	DET
abrj-544	195	14	sustainability	sustainability	NOUN
abrj-544	195	15	of	of	ADP
abrj-544	195	16	microfinance	microfinance	NOUN
abrj-544	195	17	impacts	impact	NOUN
abrj-544	195	18	over	over	ADP
abrj-544	195	19	time	time	NOUN
abrj-544	195	20	.	.	PUNCT
abrj-544	196	1	additionally	additionally	ADV
abrj-544	196	2	,	,	PUNCT
abrj-544	196	3	comparative	comparative	ADJ
abrj-544	196	4	studies	study	NOUN
abrj-544	196	5	across	across	ADP
abrj-544	196	6	different	different	ADJ
abrj-544	196	7	countries	country	NOUN
abrj-544	196	8	and	and	CCONJ
abrj-544	196	9	cultural	cultural	ADJ
abrj-544	196	10	contexts	context	NOUN
abrj-544	196	11	would	would	AUX
abrj-544	196	12	enhance	enhance	VERB
abrj-544	196	13	understanding	understanding	NOUN
abrj-544	196	14	of	of	ADP
abrj-544	196	15	the	the	DET
abrj-544	196	16	boundary	boundary	ADJ
abrj-544	196	17	conditions	condition	NOUN
abrj-544	196	18	that	that	PRON
abrj-544	196	19	influence	influence	VERB
abrj-544	196	20	microfinance	microfinance	NOUN
abrj-544	196	21	effectiveness	effectiveness	NOUN
abrj-544	196	22	.	.	PUNCT
abrj-544	197	1	the	the	DET
abrj-544	197	2	research	research	NOUN
abrj-544	197	3	contributes	contribute	VERB
abrj-544	197	4	to	to	ADP
abrj-544	197	5	the	the	DET
abrj-544	197	6	ongoing	ongoing	ADJ
abrj-544	197	7	evolution	evolution	NOUN
abrj-544	197	8	of	of	ADP
abrj-544	197	9	microfinance	microfinance	NOUN
abrj-544	197	10	theory	theory	NOUN
abrj-544	197	11	and	and	CCONJ
abrj-544	197	12	practice	practice	NOUN
abrj-544	197	13	by	by	ADP
abrj-544	197	14	providing	provide	VERB
abrj-544	197	15	empirical	empirical	ADJ
abrj-544	197	16	evidence	evidence	NOUN
abrj-544	197	17	for	for	ADP
abrj-544	197	18	the	the	DET
abrj-544	197	19	complex	complex	ADJ
abrj-544	197	20	,	,	PUNCT
abrj-544	197	21	multifaceted	multifaceted	ADJ
abrj-544	197	22	nature	nature	NOUN
abrj-544	197	23	of	of	ADP
abrj-544	197	24	microfinance	microfinance	NOUN
abrj-544	197	25	impact	impact	NOUN
abrj-544	197	26	.	.	PUNCT
abrj-544	198	1	the	the	DET
abrj-544	198	2	findings	finding	NOUN
abrj-544	198	3	suggest	suggest	VERB
abrj-544	198	4	that	that	SCONJ
abrj-544	198	5	simple	simple	ADJ
abrj-544	198	6	,	,	PUNCT
abrj-544	198	7	uniform	uniform	ADJ
abrj-544	198	8	asian	asian	PROPN
abrj-544	198	9	business	business	PROPN
abrj-544	198	10	research	research	NOUN
abrj-544	198	11	journal	journal	NOUN
abrj-544	198	12	,	,	PUNCT
abrj-544	198	13	2025	2025	NUM
abrj-544	198	14	,	,	PUNCT
abrj-544	198	15	10(8	10(8	NUM
abrj-544	198	16	):	):	PUNCT
abrj-544	198	17	85	85	NUM
abrj-544	198	18	-	-	SYM
abrj-544	198	19	94	94	NUM
abrj-544	198	20	93	93	NUM
abrj-544	198	21	©	©	ADP
abrj-544	198	22	2025	2025	NUM
abrj-544	198	23	by	by	ADP
abrj-544	198	24	the	the	DET
abrj-544	198	25	author	author	NOUN
abrj-544	198	26	;	;	PUNCT
abrj-544	198	27	licensee	licensee	NOUN
abrj-544	198	28	eastern	eastern	ADJ
abrj-544	198	29	centre	centre	NOUN
abrj-544	198	30	of	of	ADP
abrj-544	198	31	science	science	NOUN
abrj-544	198	32	and	and	CCONJ
abrj-544	198	33	education	education	NOUN
abrj-544	198	34	,	,	PUNCT
abrj-544	198	35	usa	usa	PROPN
abrj-544	198	36	approaches	approach	VERB
abrj-544	198	37	to	to	ADP
abrj-544	198	38	microfinance	microfinance	NOUN
abrj-544	198	39	delivery	delivery	NOUN
abrj-544	198	40	are	be	AUX
abrj-544	198	41	unlikely	unlikely	ADJ
abrj-544	198	42	to	to	PART
abrj-544	198	43	achieve	achieve	VERB
abrj-544	198	44	optimal	optimal	ADJ
abrj-544	198	45	poverty	poverty	NOUN
abrj-544	198	46	reduction	reduction	NOUN
abrj-544	198	47	outcomes	outcome	NOUN
abrj-544	198	48	across	across	ADP
abrj-544	198	49	diverse	diverse	ADJ
abrj-544	198	50	contexts	contexts	NOUN
abrj-544	198	51	.	.	PUNCT
abrj-544	199	1	instead	instead	ADV
abrj-544	199	2	,	,	PUNCT
abrj-544	199	3	the	the	DET
abrj-544	199	4	study	study	NOUN
abrj-544	199	5	supports	support	VERB
abrj-544	199	6	the	the	DET
abrj-544	199	7	development	development	NOUN
abrj-544	199	8	of	of	ADP
abrj-544	199	9	adaptive	adaptive	ADJ
abrj-544	199	10	,	,	PUNCT
abrj-544	199	11	context	context	NOUN
abrj-544	199	12	-	-	PUNCT
abrj-544	199	13	sensitive	sensitive	ADJ
abrj-544	199	14	programme	programme	NOUN
abrj-544	199	15	designs	design	NOUN
abrj-544	199	16	that	that	PRON
abrj-544	199	17	recognise	recognise	VERB
abrj-544	199	18	the	the	DET
abrj-544	199	19	importance	importance	NOUN
abrj-544	199	20	of	of	ADP
abrj-544	199	21	local	local	ADJ
abrj-544	199	22	institutional	institutional	ADJ
abrj-544	199	23	environments	environment	NOUN
abrj-544	199	24	,	,	PUNCT
abrj-544	199	25	social	social	ADJ
abrj-544	199	26	structures	structure	NOUN
abrj-544	199	27	,	,	PUNCT
abrj-544	199	28	and	and	CCONJ
abrj-544	199	29	demographic	demographic	ADJ
abrj-544	199	30	characteristics	characteristic	NOUN
abrj-544	199	31	in	in	ADP
abrj-544	199	32	determining	determine	VERB
abrj-544	199	33	intervention	intervention	NOUN
abrj-544	199	34	effectiveness	effectiveness	NOUN
abrj-544	199	35	.	.	PUNCT
abrj-544	200	1	acknowledgments	acknowledgment	NOUN
abrj-544	200	2	:	:	PUNCT
abrj-544	201	1	i	i	PRON
abrj-544	201	2	would	would	AUX
abrj-544	201	3	like	like	VERB
abrj-544	201	4	to	to	PART
abrj-544	201	5	express	express	VERB
abrj-544	201	6	my	my	PRON
abrj-544	201	7	sincere	sincere	ADJ
abrj-544	201	8	gratitude	gratitude	NOUN
abrj-544	201	9	to	to	ADP
abrj-544	201	10	dr	dr	PROPN
abrj-544	201	11	.	.	PROPN
abrj-544	201	12	hoang	hoang	PROPN
abrj-544	201	13	vu	vu	PROPN
abrj-544	201	14	hiep	hiep	PROPN
abrj-544	201	15	for	for	ADP
abrj-544	201	16	his	his	PRON
abrj-544	201	17	invaluable	invaluable	ADJ
abrj-544	201	18	guidance	guidance	NOUN
abrj-544	201	19	and	and	CCONJ
abrj-544	201	20	inspiration	inspiration	NOUN
abrj-544	201	21	throughout	throughout	ADP
abrj-544	201	22	this	this	DET
abrj-544	201	23	research	research	NOUN
abrj-544	201	24	.	.	PUNCT
abrj-544	202	1	his	his	PRON
abrj-544	202	2	expertise	expertise	NOUN
abrj-544	202	3	,	,	PUNCT
abrj-544	202	4	insights	insight	NOUN
abrj-544	202	5	,	,	PUNCT
abrj-544	202	6	and	and	CCONJ
abrj-544	202	7	unwavering	unwavere	VERB
abrj-544	202	8	support	support	NOUN
abrj-544	202	9	have	have	AUX
abrj-544	202	10	been	be	AUX
abrj-544	202	11	instrumental	instrumental	ADJ
abrj-544	202	12	in	in	ADP
abrj-544	202	13	shaping	shape	VERB
abrj-544	202	14	the	the	DET
abrj-544	202	15	direction	direction	NOUN
abrj-544	202	16	and	and	CCONJ
abrj-544	202	17	quality	quality	NOUN
abrj-544	202	18	of	of	ADP
abrj-544	202	19	this	this	DET
abrj-544	202	20	study	study	NOUN
abrj-544	202	21	.	.	PUNCT
abrj-544	203	1	i	i	PRON
abrj-544	203	2	am	be	AUX
abrj-544	203	3	deeply	deeply	ADV
abrj-544	203	4	appreciative	appreciative	ADJ
abrj-544	203	5	of	of	ADP
abrj-544	203	6	his	his	PRON
abrj-544	203	7	generosity	generosity	NOUN
abrj-544	203	8	in	in	ADP
abrj-544	203	9	sharing	share	VERB
abrj-544	203	10	his	his	PRON
abrj-544	203	11	time	time	NOUN
abrj-544	203	12	,	,	PUNCT
abrj-544	203	13	knowledge	knowledge	NOUN
abrj-544	203	14	,	,	PUNCT
abrj-544	203	15	and	and	CCONJ
abrj-544	203	16	network	network	NOUN
abrj-544	203	17	,	,	PUNCT
abrj-544	203	18	which	which	PRON
abrj-544	203	19	have	have	AUX
abrj-544	203	20	greatly	greatly	ADV
abrj-544	203	21	contributed	contribute	VERB
abrj-544	203	22	to	to	ADP
abrj-544	203	23	the	the	DET
abrj-544	203	24	success	success	NOUN
abrj-544	203	25	of	of	ADP
abrj-544	203	26	this	this	DET
abrj-544	203	27	research	research	NOUN
abrj-544	203	28	.	.	PUNCT
abrj-544	204	1	his	his	PRON
abrj-544	204	2	mentorship	mentorship	NOUN
abrj-544	204	3	and	and	CCONJ
abrj-544	204	4	commitment	commitment	NOUN
abrj-544	204	5	to	to	ADP
abrj-544	204	6	academic	academic	ADJ
abrj-544	204	7	excellence	excellence	NOUN
abrj-544	204	8	have	have	AUX
abrj-544	204	9	not	not	PART
abrj-544	204	10	only	only	ADV
abrj-544	204	11	enriched	enrich	VERB
abrj-544	204	12	the	the	DET
abrj-544	204	13	quality	quality	NOUN
abrj-544	204	14	of	of	ADP
abrj-544	204	15	this	this	DET
abrj-544	204	16	work	work	NOUN
abrj-544	204	17	but	but	CCONJ
abrj-544	204	18	have	have	AUX
abrj-544	204	19	also	also	ADV
abrj-544	204	20	had	have	VERB
abrj-544	204	21	a	a	DET
abrj-544	204	22	profound	profound	ADJ
abrj-544	204	23	impact	impact	NOUN
abrj-544	204	24	on	on	ADP
abrj-544	204	25	my	my	PRON
abrj-544	204	26	personal	personal	ADJ
abrj-544	204	27	and	and	CCONJ
abrj-544	204	28	professional	professional	ADJ
abrj-544	204	29	growth	growth	NOUN
abrj-544	204	30	.	.	PUNCT
abrj-544	205	1	references	reference	NOUN
abrj-544	205	2	alkire	alkire	ADV
abrj-544	205	3	,	,	PUNCT
abrj-544	205	4	s.	s.	PROPN
abrj-544	205	5	(	(	PUNCT
abrj-544	205	6	2005	2005	NUM
abrj-544	205	7	)	)	PUNCT
abrj-544	205	8	.	.	PUNCT
abrj-544	206	1	why	why	SCONJ
abrj-544	206	2	the	the	DET
abrj-544	206	3	capability	capability	NOUN
abrj-544	206	4	approach	approach	NOUN
abrj-544	206	5	?	?	PUNCT
abrj-544	206	6	journal	journal	NOUN
abrj-544	206	7	of	of	ADP
abrj-544	206	8	human	human	PROPN
abrj-544	206	9	development	development	NOUN
abrj-544	206	10	,	,	PUNCT
abrj-544	206	11	6(1	6(1	NUM
abrj-544	206	12	)	)	PUNCT
abrj-544	206	13	,	,	PUNCT
abrj-544	206	14	115–133	115–133	NUM
abrj-544	206	15	.	.	PUNCT
abrj-544	207	1	https://doi.org/10.1080/146498805200034275	https://doi.org/10.1080/146498805200034275	PROPN
abrj-544	207	2	alkire	alkire	NOUN
abrj-544	207	3	,	,	PUNCT
abrj-544	207	4	s.	s.	PROPN
abrj-544	207	5	,	,	PUNCT
abrj-544	207	6	&	&	CCONJ
abrj-544	207	7	foster	foster	PROPN
abrj-544	207	8	,	,	PUNCT
abrj-544	207	9	j.	j.	PROPN
abrj-544	207	10	(	(	PUNCT
abrj-544	207	11	2011	2011	NUM
abrj-544	207	12	)	)	PUNCT
abrj-544	207	13	.	.	PUNCT
abrj-544	208	1	counting	counting	NOUN
abrj-544	208	2	and	and	CCONJ
abrj-544	208	3	multidimensional	multidimensional	ADJ
abrj-544	208	4	poverty	poverty	NOUN
abrj-544	208	5	measurement	measurement	NOUN
abrj-544	208	6	.	.	PUNCT
abrj-544	209	1	journal	journal	PROPN
abrj-544	209	2	of	of	ADP
abrj-544	209	3	public	public	ADJ
abrj-544	209	4	economics	economic	NOUN
abrj-544	209	5	,	,	PUNCT
abrj-544	209	6	95(7–8	95(7–8	PROPN
abrj-544	209	7	)	)	PUNCT
abrj-544	209	8	,	,	PUNCT
abrj-544	209	9	476–487	476–487	NUM
abrj-544	209	10	.	.	PUNCT
abrj-544	210	1	https://doi.org/10.1016/j.jpubeco.2010.11.006	https://doi.org/10.1016/j.jpubeco.2010.11.006	PROPN
abrj-544	210	2	allen	allen	PROPN
abrj-544	210	3	,	,	PUNCT
abrj-544	210	4	f.	f.	PROPN
abrj-544	210	5	,	,	PUNCT
abrj-544	210	6	demirgüç	demirgüç	PROPN
abrj-544	210	7	-	-	PUNCT
abrj-544	210	8	kunt	kunt	PROPN
abrj-544	210	9	,	,	PUNCT
abrj-544	210	10	a.	a.	PROPN
abrj-544	210	11	,	,	PUNCT
abrj-544	210	12	klapper	klapper	PROPN
abrj-544	210	13	,	,	PUNCT
abrj-544	210	14	l.	l.	PROPN
abrj-544	210	15	,	,	PUNCT
abrj-544	210	16	&	&	CCONJ
abrj-544	210	17	martínez	martínez	PROPN
abrj-544	210	18	pería	pería	NOUN
abrj-544	210	19	,	,	PUNCT
abrj-544	210	20	m.	m.	NOUN
abrj-544	210	21	s.	s.	PROPN
abrj-544	210	22	(	(	PUNCT
abrj-544	210	23	2016	2016	NUM
abrj-544	210	24	)	)	PUNCT
abrj-544	210	25	.	.	PUNCT
abrj-544	211	1	the	the	DET
abrj-544	211	2	foundations	foundation	NOUN
abrj-544	211	3	of	of	ADP
abrj-544	211	4	financial	financial	ADJ
abrj-544	211	5	inclusion	inclusion	NOUN
abrj-544	211	6	:	:	PUNCT
abrj-544	211	7	understanding	understand	VERB
abrj-544	211	8	ownership	ownership	NOUN
abrj-544	211	9	and	and	CCONJ
abrj-544	211	10	use	use	NOUN
abrj-544	211	11	of	of	ADP
abrj-544	211	12	formal	formal	ADJ
abrj-544	211	13	accounts	account	NOUN
abrj-544	211	14	.	.	PUNCT
abrj-544	212	1	journal	journal	NOUN
abrj-544	212	2	of	of	ADP
abrj-544	212	3	financial	financial	ADJ
abrj-544	212	4	intermediation	intermediation	NOUN
abrj-544	212	5	,	,	PUNCT
abrj-544	212	6	27	27	NUM
abrj-544	212	7	,	,	PUNCT
abrj-544	212	8	1–30	1–30	PROPN
abrj-544	212	9	.	.	PUNCT
abrj-544	213	1	https://doi.org/10.1016/j.jfi.2015.12.003	https://doi.org/10.1016/j.jfi.2015.12.003	ADJ
abrj-544	213	2	arun	arun	PROPN
abrj-544	213	3	,	,	PUNCT
abrj-544	213	4	t.	t.	PROPN
abrj-544	213	5	,	,	PUNCT
abrj-544	213	6	&	&	CCONJ
abrj-544	213	7	annim	annim	PROPN
abrj-544	213	8	,	,	PUNCT
abrj-544	213	9	s.	s.	PROPN
abrj-544	213	10	k.	k.	PROPN
abrj-544	213	11	(	(	PUNCT
abrj-544	213	12	2010	2010	NUM
abrj-544	213	13	)	)	PUNCT
abrj-544	213	14	.	.	PUNCT
abrj-544	214	1	economic	economic	ADJ
abrj-544	214	2	governance	governance	NOUN
abrj-544	214	3	of	of	ADP
abrj-544	214	4	mfis	mfis	PROPN
abrj-544	214	5	:	:	PUNCT
abrj-544	214	6	inside	inside	ADP
abrj-544	214	7	the	the	DET
abrj-544	214	8	black	black	PROPN
abrj-544	214	9	box	box	PROPN
abrj-544	214	10	.	.	PUNCT
abrj-544	215	1	journal	journal	PROPN
abrj-544	215	2	of	of	ADP
abrj-544	215	3	development	development	NOUN
abrj-544	215	4	studies	study	NOUN
abrj-544	215	5	,	,	PUNCT
abrj-544	215	6	46(7	46(7	NOUN
abrj-544	215	7	)	)	PUNCT
abrj-544	215	8	,	,	PUNCT
abrj-544	215	9	1293–1309	1293–1309	NUM
abrj-544	215	10	.	.	PUNCT
abrj-544	216	1	https://doi.org/10.1080/00220381003706486	https://doi.org/10.1080/00220381003706486	ADJ
abrj-544	216	2	atkinson	atkinson	PROPN
abrj-544	216	3	,	,	PUNCT
abrj-544	216	4	a.	a.	PROPN
abrj-544	216	5	,	,	PUNCT
abrj-544	216	6	&	&	CCONJ
abrj-544	216	7	messy	messy	PROPN
abrj-544	216	8	,	,	PUNCT
abrj-544	216	9	f.	f.	PROPN
abrj-544	216	10	a.	a.	PROPN
abrj-544	216	11	(	(	PUNCT
abrj-544	216	12	2012	2012	NUM
abrj-544	216	13	)	)	PUNCT
abrj-544	216	14	.	.	PUNCT
abrj-544	217	1	measuring	measure	VERB
abrj-544	217	2	financial	financial	ADJ
abrj-544	217	3	literacy	literacy	NOUN
abrj-544	217	4	:	:	PUNCT
abrj-544	217	5	results	result	NOUN
abrj-544	217	6	of	of	ADP
abrj-544	217	7	the	the	DET
abrj-544	217	8	oecd	oecd	PROPN
abrj-544	217	9	international	international	ADJ
abrj-544	217	10	network	network	NOUN
abrj-544	217	11	on	on	ADP
abrj-544	217	12	financial	financial	ADJ
abrj-544	217	13	education	education	NOUN
abrj-544	217	14	(	(	PUNCT
abrj-544	217	15	infe	infe	NOUN
abrj-544	217	16	)	)	PUNCT
abrj-544	217	17	pilot	pilot	NOUN
abrj-544	217	18	study	study	NOUN
abrj-544	217	19	(	(	PUNCT
abrj-544	217	20	oecd	oecd	PROPN
abrj-544	217	21	working	work	VERB
abrj-544	217	22	papers	paper	NOUN
abrj-544	217	23	on	on	ADP
abrj-544	217	24	finance	finance	NOUN
abrj-544	217	25	,	,	PUNCT
abrj-544	217	26	insurance	insurance	NOUN
abrj-544	217	27	and	and	CCONJ
abrj-544	217	28	private	private	ADJ
abrj-544	217	29	pensions	pension	NOUN
abrj-544	217	30	,	,	PUNCT
abrj-544	217	31	no	no	INTJ
abrj-544	217	32	.	.	NOUN
abrj-544	217	33	15	15	NUM
abrj-544	217	34	)	)	PUNCT
abrj-544	217	35	.	.	PUNCT
abrj-544	218	1	oecd	oecd	PROPN
abrj-544	218	2	publishing	publishing	NOUN
abrj-544	218	3	.	.	PUNCT
abrj-544	219	1	https://doi.org/10.1787/5k9csfs90fr4-en	https://doi.org/10.1787/5k9csfs90fr4-en	NUM
abrj-544	219	2	banerjee	banerjee	NOUN
abrj-544	219	3	,	,	PUNCT
abrj-544	219	4	a.	a.	NOUN
abrj-544	219	5	,	,	PUNCT
abrj-544	219	6	&	&	CCONJ
abrj-544	219	7	duflo	duflo	PROPN
abrj-544	219	8	,	,	PUNCT
abrj-544	219	9	e.	e.	PROPN
abrj-544	219	10	(	(	PUNCT
abrj-544	219	11	2011	2011	NUM
abrj-544	219	12	)	)	PUNCT
abrj-544	219	13	.	.	PUNCT
abrj-544	220	1	poor	poor	ADJ
abrj-544	220	2	economics	economic	NOUN
abrj-544	220	3	:	:	PUNCT
abrj-544	220	4	a	a	DET
abrj-544	220	5	radical	radical	ADJ
abrj-544	220	6	rethinking	rethinking	NOUN
abrj-544	220	7	of	of	ADP
abrj-544	220	8	the	the	DET
abrj-544	220	9	way	way	NOUN
abrj-544	220	10	to	to	PART
abrj-544	220	11	fight	fight	VERB
abrj-544	220	12	global	global	ADJ
abrj-544	220	13	poverty	poverty	NOUN
abrj-544	220	14	.	.	PUNCT
abrj-544	221	1	publicaffairs	publicaffair	NOUN
abrj-544	221	2	.	.	PUNCT
abrj-544	222	1	banerjee	banerjee	PROPN
abrj-544	222	2	,	,	PUNCT
abrj-544	222	3	a.	a.	NOUN
abrj-544	222	4	,	,	PUNCT
abrj-544	222	5	duflo	duflo	PROPN
abrj-544	222	6	,	,	PUNCT
abrj-544	222	7	e.	e.	PROPN
abrj-544	222	8	,	,	PUNCT
abrj-544	222	9	glennerster	glennerster	NOUN
abrj-544	222	10	,	,	PUNCT
abrj-544	222	11	r.	r.	PROPN
abrj-544	222	12	,	,	PUNCT
abrj-544	222	13	&	&	CCONJ
abrj-544	222	14	kinnan	kinnan	PROPN
abrj-544	222	15	,	,	PUNCT
abrj-544	222	16	c.	c.	PROPN
abrj-544	222	17	(	(	PUNCT
abrj-544	222	18	2015	2015	NUM
abrj-544	222	19	)	)	PUNCT
abrj-544	222	20	.	.	PUNCT
abrj-544	223	1	the	the	DET
abrj-544	223	2	miracle	miracle	NOUN
abrj-544	223	3	of	of	ADP
abrj-544	223	4	microfinance	microfinance	NOUN
abrj-544	223	5	?	?	PUNCT
abrj-544	224	1	evidence	evidence	NOUN
abrj-544	224	2	from	from	ADP
abrj-544	224	3	a	a	DET
abrj-544	224	4	randomized	randomized	ADJ
abrj-544	224	5	evaluation	evaluation	NOUN
abrj-544	224	6	.	.	PUNCT
abrj-544	225	1	american	american	ADJ
abrj-544	225	2	economic	economic	PROPN
abrj-544	225	3	journal	journal	PROPN
abrj-544	225	4	:	:	PUNCT
abrj-544	225	5	applied	apply	VERB
abrj-544	225	6	economics	economic	NOUN
abrj-544	225	7	,	,	PUNCT
abrj-544	225	8	7(1	7(1	NUM
abrj-544	225	9	)	)	PUNCT
abrj-544	225	10	,	,	PUNCT
abrj-544	225	11	22–53	22–53	NUM
abrj-544	225	12	.	.	PUNCT
abrj-544	226	1	https://doi.org/10.1257/app.20130533	https://doi.org/10.1257/app.20130533	PROPN
abrj-544	226	2	beck	beck	PROPN
abrj-544	226	3	,	,	PUNCT
abrj-544	226	4	t.	t.	PROPN
abrj-544	226	5	,	,	PUNCT
abrj-544	226	6	demirgüç	demirgüç	PROPN
abrj-544	226	7	-	-	PUNCT
abrj-544	226	8	kunt	kunt	PROPN
abrj-544	226	9	,	,	PUNCT
abrj-544	226	10	a.	a.	PROPN
abrj-544	226	11	,	,	PUNCT
abrj-544	226	12	&	&	CCONJ
abrj-544	226	13	levine	levine	PROPN
abrj-544	226	14	,	,	PUNCT
abrj-544	226	15	r.	r.	PROPN
abrj-544	226	16	(	(	PUNCT
abrj-544	226	17	2007	2007	NUM
abrj-544	226	18	)	)	PUNCT
abrj-544	226	19	.	.	PUNCT
abrj-544	227	1	finance	finance	NOUN
abrj-544	227	2	,	,	PUNCT
abrj-544	227	3	inequality	inequality	NOUN
abrj-544	227	4	and	and	CCONJ
abrj-544	227	5	the	the	DET
abrj-544	227	6	poor	poor	ADJ
abrj-544	227	7	.	.	PUNCT
abrj-544	228	1	journal	journal	NOUN
abrj-544	228	2	of	of	ADP
abrj-544	228	3	economic	economic	ADJ
abrj-544	228	4	growth	growth	NOUN
abrj-544	228	5	,	,	PUNCT
abrj-544	228	6	12(1	12(1	NUM
abrj-544	228	7	)	)	PUNCT
abrj-544	228	8	,	,	PUNCT
abrj-544	228	9	27–49	27–49	NUM
abrj-544	228	10	.	.	PUNCT
abrj-544	229	1	https://doi.org/10.1007/s10887-007-9010-6	https://doi.org/10.1007/s10887-007-9010-6	NUM
abrj-544	229	2	beck	beck	PROPN
abrj-544	229	3	,	,	PUNCT
abrj-544	229	4	t.	t.	PROPN
abrj-544	229	5	,	,	PUNCT
abrj-544	229	6	demirgüç	demirgüç	PROPN
abrj-544	229	7	-	-	PUNCT
abrj-544	229	8	kunt	kunt	PROPN
abrj-544	229	9	,	,	PUNCT
abrj-544	229	10	a.	a.	PROPN
abrj-544	229	11	,	,	PUNCT
abrj-544	229	12	&	&	CCONJ
abrj-544	229	13	martínez	martínez	PROPN
abrj-544	229	14	pería	pería	NOUN
abrj-544	229	15	,	,	PUNCT
abrj-544	229	16	m.	m.	NOUN
abrj-544	229	17	s.	s.	PROPN
abrj-544	229	18	(	(	PUNCT
abrj-544	229	19	2008	2008	NUM
abrj-544	229	20	)	)	PUNCT
abrj-544	229	21	.	.	PUNCT
abrj-544	230	1	banking	banking	NOUN
abrj-544	230	2	services	service	NOUN
abrj-544	230	3	for	for	ADP
abrj-544	230	4	everyone	everyone	PRON
abrj-544	230	5	?	?	PUNCT
abrj-544	231	1	barriers	barrier	NOUN
abrj-544	231	2	to	to	ADP
abrj-544	231	3	bank	bank	NOUN
abrj-544	231	4	access	access	NOUN
abrj-544	231	5	and	and	CCONJ
abrj-544	231	6	use	use	NOUN
abrj-544	231	7	around	around	ADP
abrj-544	231	8	the	the	DET
abrj-544	231	9	world	world	NOUN
abrj-544	231	10	.	.	PUNCT
abrj-544	232	1	world	world	PROPN
abrj-544	232	2	bank	bank	PROPN
abrj-544	232	3	economic	economic	PROPN
abrj-544	232	4	review	review	PROPN
abrj-544	232	5	,	,	PUNCT
abrj-544	232	6	22(3	22(3	NUM
abrj-544	232	7	)	)	PUNCT
abrj-544	232	8	,	,	PUNCT
abrj-544	232	9	397–430	397–430	NUM
abrj-544	232	10	.	.	PUNCT
abrj-544	233	1	https://doi.org/10.1093/wber/lhn020	https://doi.org/10.1093/wber/lhn020	PRON
abrj-544	233	2	besley	besley	NOUN
abrj-544	233	3	,	,	PUNCT
abrj-544	233	4	t.	t.	PROPN
abrj-544	233	5	,	,	PUNCT
abrj-544	233	6	&	&	CCONJ
abrj-544	233	7	coate	coate	PROPN
abrj-544	233	8	,	,	PUNCT
abrj-544	233	9	s.	s.	PROPN
abrj-544	233	10	(	(	PUNCT
abrj-544	233	11	1995	1995	NUM
abrj-544	233	12	)	)	PUNCT
abrj-544	233	13	.	.	PUNCT
abrj-544	234	1	group	group	NOUN
abrj-544	234	2	lending	lending	NOUN
abrj-544	234	3	,	,	PUNCT
abrj-544	234	4	repayment	repayment	NOUN
abrj-544	234	5	incentives	incentive	NOUN
abrj-544	234	6	and	and	CCONJ
abrj-544	234	7	social	social	ADJ
abrj-544	234	8	collateral	collateral	NOUN
abrj-544	234	9	.	.	PUNCT
abrj-544	235	1	journal	journal	PROPN
abrj-544	235	2	of	of	ADP
abrj-544	235	3	development	development	NOUN
abrj-544	235	4	economics	economic	NOUN
abrj-544	235	5	,	,	PUNCT
abrj-544	235	6	46(1	46(1	PROPN
abrj-544	235	7	)	)	PUNCT
abrj-544	235	8	,	,	PUNCT
abrj-544	235	9	1–18	1–18	NUM
abrj-544	235	10	.	.	PUNCT
abrj-544	236	1	https://doi.org/10.1016/0304-3878(94)00045-e	https://doi.org/10.1016/0304-3878(94)00045-e	PROPN
abrj-544	236	2	cámara	cámara	PROPN
abrj-544	236	3	,	,	PUNCT
abrj-544	236	4	n.	n.	NOUN
abrj-544	236	5	,	,	PUNCT
abrj-544	236	6	&	&	CCONJ
abrj-544	236	7	tuesta	tuesta	PROPN
abrj-544	236	8	,	,	PUNCT
abrj-544	236	9	d.	d.	PROPN
abrj-544	236	10	(	(	PUNCT
abrj-544	236	11	2014	2014	NUM
abrj-544	236	12	)	)	PUNCT
abrj-544	236	13	.	.	PUNCT
abrj-544	237	1	measuring	measure	VERB
abrj-544	237	2	financial	financial	ADJ
abrj-544	237	3	inclusion	inclusion	NOUN
abrj-544	237	4	:	:	PUNCT
abrj-544	237	5	a	a	DET
abrj-544	237	6	multidimensional	multidimensional	ADJ
abrj-544	237	7	index	index	NOUN
abrj-544	237	8	(	(	PUNCT
abrj-544	237	9	bbva	bbva	PROPN
abrj-544	237	10	research	research	PROPN
abrj-544	237	11	working	working	PROPN
abrj-544	237	12	paper	paper	NOUN
abrj-544	237	13	no	no	INTJ
abrj-544	237	14	.	.	PUNCT
abrj-544	237	15	14/26	14/26	NUM
abrj-544	237	16	)	)	PUNCT
abrj-544	237	17	.	.	PUNCT
abrj-544	238	1	bbva	bbva	PROPN
abrj-544	238	2	.	.	PUNCT
abrj-544	239	1	https://doi.org/10.2139/ssrn.2634616	https://doi.org/10.2139/ssrn.2634616	PROPN
abrj-544	239	2	carpena	carpena	PROPN
abrj-544	239	3	,	,	PUNCT
abrj-544	239	4	f.	f.	PROPN
abrj-544	239	5	,	,	PUNCT
abrj-544	239	6	cole	cole	PROPN
abrj-544	239	7	,	,	PUNCT
abrj-544	239	8	s.	s.	PROPN
abrj-544	239	9	,	,	PUNCT
abrj-544	239	10	shapiro	shapiro	PROPN
abrj-544	239	11	,	,	PUNCT
abrj-544	239	12	j.	j.	PROPN
abrj-544	239	13	,	,	PUNCT
abrj-544	239	14	&	&	CCONJ
abrj-544	239	15	zia	zia	PROPN
abrj-544	239	16	,	,	PUNCT
abrj-544	239	17	b.	b.	PROPN
abrj-544	239	18	(	(	PUNCT
abrj-544	239	19	2011	2011	NUM
abrj-544	239	20	)	)	PUNCT
abrj-544	239	21	.	.	PUNCT
abrj-544	240	1	unpacking	unpack	VERB
abrj-544	240	2	the	the	DET
abrj-544	240	3	causal	causal	ADJ
abrj-544	240	4	chain	chain	NOUN
abrj-544	240	5	of	of	ADP
abrj-544	240	6	financial	financial	ADJ
abrj-544	240	7	literacy	literacy	NOUN
abrj-544	240	8	(	(	PUNCT
abrj-544	240	9	world	world	NOUN
abrj-544	240	10	bank	bank	NOUN
abrj-544	240	11	policy	policy	NOUN
abrj-544	240	12	research	research	NOUN
abrj-544	240	13	working	working	NOUN
abrj-544	240	14	paper	paper	NOUN
abrj-544	240	15	no	no	INTJ
abrj-544	240	16	.	.	PROPN
abrj-544	240	17	5798	5798	NUM
abrj-544	240	18	)	)	PUNCT
abrj-544	240	19	.	.	PUNCT
abrj-544	241	1	world	world	PROPN
abrj-544	241	2	bank	bank	PROPN
abrj-544	241	3	.	.	PUNCT
abrj-544	242	1	https://doi.org/10.1596/1813-9450-5798	https://doi.org/10.1596/1813-9450-5798	ADJ
abrj-544	242	2	chin	chin	PROPN
abrj-544	242	3	,	,	PUNCT
abrj-544	242	4	w.	w.	PROPN
abrj-544	242	5	w.	w.	PROPN
abrj-544	242	6	(	(	PUNCT
abrj-544	242	7	1998	1998	NUM
abrj-544	242	8	)	)	PUNCT
abrj-544	242	9	.	.	PUNCT
abrj-544	243	1	the	the	DET
abrj-544	243	2	partial	partial	ADJ
abrj-544	243	3	least	least	ADJ
abrj-544	243	4	squares	square	NOUN
abrj-544	243	5	approach	approach	VERB
abrj-544	243	6	to	to	ADP
abrj-544	243	7	structural	structural	ADJ
abrj-544	243	8	equation	equation	NOUN
abrj-544	243	9	modeling	modeling	NOUN
abrj-544	243	10	.	.	PUNCT
abrj-544	244	1	in	in	ADP
abrj-544	244	2	g.	g.	PROPN
abrj-544	244	3	a.	a.	PROPN
abrj-544	244	4	marcoulides	marcoulide	VERB
abrj-544	244	5	(	(	PUNCT
abrj-544	244	6	ed	ed	NOUN
abrj-544	244	7	.	.	PUNCT
abrj-544	244	8	)	)	PUNCT
abrj-544	244	9	,	,	PUNCT
abrj-544	244	10	modern	modern	ADJ
abrj-544	244	11	methods	method	NOUN
abrj-544	244	12	for	for	ADP
abrj-544	244	13	business	business	NOUN
abrj-544	244	14	research	research	NOUN
abrj-544	244	15	(	(	PUNCT
abrj-544	244	16	pp	pp	ADJ
abrj-544	244	17	.	.	PUNCT
abrj-544	245	1	295–336	295–336	NUM
abrj-544	245	2	)	)	PUNCT
abrj-544	245	3	.	.	PUNCT
abrj-544	246	1	lawrence	lawrence	PROPN
abrj-544	246	2	erlbaum	erlbaum	PROPN
abrj-544	246	3	associates	associates	PROPN
abrj-544	246	4	.	.	PUNCT
abrj-544	247	1	claessens	claessen	NOUN
abrj-544	247	2	,	,	PUNCT
abrj-544	247	3	s.	s.	PROPN
abrj-544	247	4	(	(	PUNCT
abrj-544	247	5	2006	2006	NUM
abrj-544	247	6	)	)	PUNCT
abrj-544	247	7	.	.	PUNCT
abrj-544	248	1	access	access	NOUN
abrj-544	248	2	to	to	ADP
abrj-544	248	3	financial	financial	ADJ
abrj-544	248	4	services	service	NOUN
abrj-544	248	5	:	:	PUNCT
abrj-544	248	6	a	a	DET
abrj-544	248	7	review	review	NOUN
abrj-544	248	8	of	of	ADP
abrj-544	248	9	the	the	DET
abrj-544	248	10	issues	issue	NOUN
abrj-544	248	11	and	and	CCONJ
abrj-544	248	12	public	public	ADJ
abrj-544	248	13	policy	policy	NOUN
abrj-544	248	14	objectives	objective	NOUN
abrj-544	248	15	.	.	PUNCT
abrj-544	249	1	world	world	PROPN
abrj-544	249	2	bank	bank	PROPN
abrj-544	249	3	research	research	PROPN
abrj-544	249	4	observer	observer	PROPN
abrj-544	249	5	,	,	PUNCT
abrj-544	249	6	21(2	21(2	NUM
abrj-544	249	7	)	)	PUNCT
abrj-544	249	8	,	,	PUNCT
abrj-544	249	9	207	207	NUM
abrj-544	249	10	–	–	PUNCT
abrj-544	249	11	240	240	NUM
abrj-544	249	12	.	.	PUNCT
abrj-544	250	1	https://doi.org/10.1093/wbro/lkl004	https://doi.org/10.1093/wbro/lkl004	PROPN
abrj-544	250	2	coleman	coleman	PROPN
abrj-544	250	3	,	,	PUNCT
abrj-544	250	4	j.	j.	PROPN
abrj-544	250	5	s.	s.	PROPN
abrj-544	250	6	(	(	PUNCT
abrj-544	250	7	1988	1988	NUM
abrj-544	250	8	)	)	PUNCT
abrj-544	250	9	.	.	PUNCT
abrj-544	251	1	social	social	ADJ
abrj-544	251	2	capital	capital	NOUN
abrj-544	251	3	in	in	ADP
abrj-544	251	4	the	the	DET
abrj-544	251	5	creation	creation	NOUN
abrj-544	251	6	of	of	ADP
abrj-544	251	7	human	human	ADJ
abrj-544	251	8	capital	capital	NOUN
abrj-544	251	9	.	.	PUNCT
abrj-544	252	1	american	american	PROPN
abrj-544	252	2	journal	journal	PROPN
abrj-544	252	3	of	of	ADP
abrj-544	252	4	sociology	sociology	NOUN
abrj-544	252	5	,	,	PUNCT
abrj-544	252	6	94(supplement	94(supplement	NUM
abrj-544	252	7	)	)	PUNCT
abrj-544	252	8	,	,	PUNCT
abrj-544	252	9	s95	s95	PROPN
abrj-544	252	10	–	–	PUNCT
abrj-544	252	11	s120	s120	PROPN
abrj-544	252	12	.	.	PUNCT
abrj-544	253	1	https://doi.org/10.1086/228943	https://doi.org/10.1086/228943	PROPN
abrj-544	253	2	creswell	creswell	PROPN
abrj-544	253	3	,	,	PUNCT
abrj-544	253	4	j.	j.	PROPN
abrj-544	253	5	w.	w.	PROPN
abrj-544	253	6	(	(	PUNCT
abrj-544	253	7	2014	2014	NUM
abrj-544	253	8	)	)	PUNCT
abrj-544	253	9	.	.	PUNCT
abrj-544	254	1	research	research	NOUN
abrj-544	254	2	design	design	PROPN
abrj-544	254	3	:	:	PUNCT
abrj-544	254	4	qualitative	qualitative	NOUN
abrj-544	254	5	,	,	PUNCT
abrj-544	254	6	quantitative	quantitative	ADJ
abrj-544	254	7	,	,	PUNCT
abrj-544	254	8	and	and	CCONJ
abrj-544	254	9	mixed	mixed	ADJ
abrj-544	254	10	methods	method	NOUN
abrj-544	254	11	approaches	approach	NOUN
abrj-544	254	12	(	(	PUNCT
abrj-544	254	13	4th	4th	ADJ
abrj-544	254	14	ed	ed	NOUN
abrj-544	254	15	.	.	PUNCT
abrj-544	254	16	)	)	PUNCT
abrj-544	254	17	.	.	PUNCT
abrj-544	255	1	sage	sage	NOUN
abrj-544	255	2	publications	publication	NOUN
abrj-544	255	3	.	.	PUNCT
abrj-544	256	1	cull	cull	PROPN
abrj-544	256	2	,	,	PUNCT
abrj-544	256	3	r.	r.	PROPN
abrj-544	256	4	,	,	PUNCT
abrj-544	256	5	demirgüç	demirgüç	PROPN
abrj-544	256	6	-	-	PUNCT
abrj-544	256	7	kunt	kunt	PROPN
abrj-544	256	8	,	,	PUNCT
abrj-544	256	9	a.	a.	PROPN
abrj-544	256	10	,	,	PUNCT
abrj-544	256	11	&	&	CCONJ
abrj-544	256	12	morduch	morduch	PROPN
abrj-544	256	13	,	,	PUNCT
abrj-544	256	14	j.	j.	PROPN
abrj-544	256	15	(	(	PUNCT
abrj-544	256	16	2009	2009	NUM
abrj-544	256	17	)	)	PUNCT
abrj-544	256	18	.	.	PUNCT
abrj-544	257	1	microfinance	microfinance	NOUN
abrj-544	257	2	meets	meet	VERB
abrj-544	257	3	the	the	DET
abrj-544	257	4	market	market	NOUN
abrj-544	257	5	.	.	PUNCT
abrj-544	258	1	journal	journal	NOUN
abrj-544	258	2	of	of	ADP
abrj-544	258	3	economic	economic	ADJ
abrj-544	258	4	perspectives	perspective	NOUN
abrj-544	258	5	,	,	PUNCT
abrj-544	258	6	23(1	23(1	NUM
abrj-544	258	7	)	)	PUNCT
abrj-544	258	8	,	,	PUNCT
abrj-544	258	9	167–192	167–192	NUM
abrj-544	258	10	.	.	PUNCT
abrj-544	259	1	https://doi.org/10.1257/jep.23.1.167	https://doi.org/10.1257/jep.23.1.167	PROPN
abrj-544	259	2	cull	cull	NOUN
abrj-544	259	3	,	,	PUNCT
abrj-544	259	4	r.	r.	PROPN
abrj-544	259	5	,	,	PUNCT
abrj-544	259	6	demirgüç	demirgüç	PROPN
abrj-544	259	7	-	-	PUNCT
abrj-544	259	8	kunt	kunt	PROPN
abrj-544	259	9	,	,	PUNCT
abrj-544	259	10	a.	a.	PROPN
abrj-544	259	11	,	,	PUNCT
abrj-544	259	12	&	&	CCONJ
abrj-544	259	13	morduch	morduch	PROPN
abrj-544	259	14	,	,	PUNCT
abrj-544	259	15	j.	j.	PROPN
abrj-544	259	16	(	(	PUNCT
abrj-544	259	17	2014	2014	NUM
abrj-544	259	18	)	)	PUNCT
abrj-544	259	19	.	.	PUNCT
abrj-544	260	1	banks	bank	NOUN
abrj-544	260	2	and	and	CCONJ
abrj-544	260	3	microbanks	microbank	NOUN
abrj-544	260	4	.	.	PUNCT
abrj-544	261	1	journal	journal	PROPN
abrj-544	261	2	of	of	ADP
abrj-544	261	3	financial	financial	ADJ
abrj-544	261	4	services	service	NOUN
abrj-544	261	5	research	research	NOUN
abrj-544	261	6	,	,	PUNCT
abrj-544	261	7	46(1	46(1	PROPN
abrj-544	261	8	)	)	PUNCT
abrj-544	261	9	,	,	PUNCT
abrj-544	261	10	1–53	1–53	NOUN
abrj-544	261	11	.	.	PUNCT
abrj-544	262	1	https://doi.org/10.1007/s10693-013-0177-z	https://doi.org/10.1007/s10693-013-0177-z	PROPN
abrj-544	262	2	demirgüç	demirgüç	PROPN
abrj-544	262	3	-	-	PUNCT
abrj-544	262	4	kunt	kunt	PROPN
abrj-544	262	5	,	,	PUNCT
abrj-544	262	6	a.	a.	PROPN
abrj-544	262	7	,	,	PUNCT
abrj-544	262	8	beck	beck	PROPN
abrj-544	262	9	,	,	PUNCT
abrj-544	262	10	t.	t.	PROPN
abrj-544	262	11	,	,	PUNCT
abrj-544	262	12	&	&	CCONJ
abrj-544	262	13	honohan	honohan	PROPN
abrj-544	262	14	,	,	PUNCT
abrj-544	262	15	p.	p.	NOUN
abrj-544	262	16	(	(	PUNCT
abrj-544	262	17	2008	2008	NUM
abrj-544	262	18	)	)	PUNCT
abrj-544	262	19	.	.	PUNCT
abrj-544	263	1	finance	finance	NOUN
abrj-544	263	2	for	for	ADP
abrj-544	263	3	all	all	PRON
abrj-544	263	4	?	?	PUNCT
abrj-544	264	1	policies	policy	NOUN
abrj-544	264	2	and	and	CCONJ
abrj-544	264	3	pitfalls	pitfall	NOUN
abrj-544	264	4	in	in	ADP
abrj-544	264	5	expanding	expand	VERB
abrj-544	264	6	access	access	NOUN
abrj-544	264	7	.	.	PUNCT
abrj-544	265	1	world	world	PROPN
abrj-544	265	2	bank	bank	PROPN
abrj-544	265	3	.	.	PUNCT
abrj-544	266	1	https://doi.org/10.1596/978-0-8213-7291-3	https://doi.org/10.1596/978-0-8213-7291-3	ADP
abrj-544	266	2	demirgüç	demirgüç	PROPN
abrj-544	266	3	-	-	PUNCT
abrj-544	266	4	kunt	kunt	PROPN
abrj-544	266	5	,	,	PUNCT
abrj-544	266	6	a.	a.	PROPN
abrj-544	266	7	,	,	PUNCT
abrj-544	266	8	&	&	CCONJ
abrj-544	266	9	klapper	klapper	PROPN
abrj-544	266	10	,	,	PUNCT
abrj-544	266	11	l.	l.	PROPN
abrj-544	266	12	(	(	PUNCT
abrj-544	266	13	2013	2013	NUM
abrj-544	266	14	)	)	PUNCT
abrj-544	266	15	.	.	PUNCT
abrj-544	267	1	measuring	measure	VERB
abrj-544	267	2	financial	financial	ADJ
abrj-544	267	3	inclusion	inclusion	NOUN
abrj-544	267	4	:	:	PUNCT
abrj-544	267	5	explaining	explain	VERB
abrj-544	267	6	variation	variation	NOUN
abrj-544	267	7	in	in	ADP
abrj-544	267	8	use	use	NOUN
abrj-544	267	9	of	of	ADP
abrj-544	267	10	financial	financial	ADJ
abrj-544	267	11	services	service	NOUN
abrj-544	267	12	across	across	ADP
abrj-544	267	13	and	and	CCONJ
abrj-544	267	14	within	within	ADP
abrj-544	267	15	countries	country	NOUN
abrj-544	267	16	.	.	PUNCT
abrj-544	268	1	brookings	brookings	PROPN
abrj-544	268	2	papers	paper	NOUN
abrj-544	268	3	on	on	ADP
abrj-544	268	4	economic	economic	ADJ
abrj-544	268	5	activity	activity	NOUN
abrj-544	268	6	,	,	PUNCT
abrj-544	268	7	2013(1	2013(1	NUM
abrj-544	268	8	)	)	PUNCT
abrj-544	268	9	,	,	PUNCT
abrj-544	268	10	279–340	279–340	NUM
abrj-544	268	11	.	.	PUNCT
abrj-544	269	1	https://doi.org/10.1353/eca.2013.0002	https://doi.org/10.1353/eca.2013.0002	PROPN
abrj-544	269	2	demirgüç	demirgüç	PROPN
abrj-544	269	3	-	-	PUNCT
abrj-544	269	4	kunt	kunt	PROPN
abrj-544	269	5	,	,	PUNCT
abrj-544	269	6	a.	a.	PROPN
abrj-544	269	7	,	,	PUNCT
abrj-544	269	8	&	&	CCONJ
abrj-544	269	9	levine	levine	PROPN
abrj-544	269	10	,	,	PUNCT
abrj-544	269	11	r.	r.	PROPN
abrj-544	269	12	(	(	PUNCT
abrj-544	269	13	2009	2009	NUM
abrj-544	269	14	)	)	PUNCT
abrj-544	269	15	.	.	PUNCT
abrj-544	270	1	finance	finance	NOUN
abrj-544	270	2	and	and	CCONJ
abrj-544	270	3	inequality	inequality	NOUN
abrj-544	270	4	:	:	PUNCT
abrj-544	270	5	theory	theory	NOUN
abrj-544	270	6	and	and	CCONJ
abrj-544	270	7	evidence	evidence	NOUN
abrj-544	270	8	.	.	PUNCT
abrj-544	271	1	annual	annual	ADJ
abrj-544	271	2	review	review	NOUN
abrj-544	271	3	of	of	ADP
abrj-544	271	4	financial	financial	ADJ
abrj-544	271	5	economics	economic	NOUN
abrj-544	271	6	,	,	PUNCT
abrj-544	271	7	1(1	1(1	NUM
abrj-544	271	8	)	)	PUNCT
abrj-544	271	9	,	,	PUNCT
abrj-544	271	10	287–318	287–318	NUM
abrj-544	271	11	.	.	PUNCT
abrj-544	272	1	https://doi.org/10.1146/annurev.financial.050808.114334	https://doi.org/10.1146/annurev.financial.050808.114334	NOUN
abrj-544	272	2	duvendack	duvendack	NOUN
abrj-544	272	3	,	,	PUNCT
abrj-544	272	4	m.	m.	NOUN
abrj-544	272	5	,	,	PUNCT
abrj-544	272	6	palmer	palmer	NOUN
abrj-544	272	7	-	-	PUNCT
abrj-544	272	8	jones	jones	PROPN
abrj-544	272	9	,	,	PUNCT
abrj-544	272	10	r.	r.	PROPN
abrj-544	272	11	,	,	PUNCT
abrj-544	272	12	copestake	copestake	NOUN
abrj-544	272	13	,	,	PUNCT
abrj-544	272	14	j.	j.	PROPN
abrj-544	272	15	g.	g.	PROPN
abrj-544	272	16	,	,	PUNCT
abrj-544	272	17	hooper	hooper	PROPN
abrj-544	272	18	,	,	PUNCT
abrj-544	272	19	l.	l.	PROPN
abrj-544	272	20	,	,	PUNCT
abrj-544	272	21	loke	loke	ADV
abrj-544	272	22	,	,	PUNCT
abrj-544	272	23	y.	y.	PROPN
abrj-544	272	24	,	,	PUNCT
abrj-544	272	25	&	&	CCONJ
abrj-544	272	26	rao	rao	PROPN
abrj-544	272	27	,	,	PUNCT
abrj-544	272	28	n.	n.	PROPN
abrj-544	272	29	(	(	PUNCT
abrj-544	272	30	2011	2011	NUM
abrj-544	272	31	)	)	PUNCT
abrj-544	272	32	.	.	PUNCT
abrj-544	273	1	what	what	PRON
abrj-544	273	2	is	be	AUX
abrj-544	273	3	the	the	DET
abrj-544	273	4	evidence	evidence	NOUN
abrj-544	273	5	of	of	ADP
abrj-544	273	6	the	the	DET
abrj-544	273	7	impact	impact	NOUN
abrj-544	273	8	of	of	ADP
abrj-544	273	9	microfinance	microfinance	NOUN
abrj-544	273	10	on	on	ADP
abrj-544	273	11	the	the	DET
abrj-544	273	12	well	well	NOUN
abrj-544	273	13	-	-	PUNCT
abrj-544	273	14	being	being	NOUN
abrj-544	273	15	of	of	ADP
abrj-544	273	16	poor	poor	ADJ
abrj-544	273	17	people	people	NOUN
abrj-544	273	18	?	?	PUNCT
abrj-544	274	1	eppi	eppi	NOUN
abrj-544	274	2	-	-	PUNCT
abrj-544	274	3	centre	centre	NOUN
abrj-544	274	4	,	,	PUNCT
abrj-544	274	5	social	social	ADJ
abrj-544	274	6	science	science	NOUN
abrj-544	274	7	research	research	NOUN
abrj-544	274	8	unit	unit	NOUN
abrj-544	274	9	,	,	PUNCT
abrj-544	274	10	institute	institute	PROPN
abrj-544	274	11	of	of	ADP
abrj-544	274	12	education	education	PROPN
abrj-544	274	13	,	,	PUNCT
abrj-544	274	14	university	university	NOUN
abrj-544	274	15	of	of	ADP
abrj-544	274	16	london	london	PROPN
abrj-544	274	17	.	.	PUNCT
abrj-544	275	1	feigenberg	feigenberg	PROPN
abrj-544	275	2	,	,	PUNCT
abrj-544	275	3	b.	b.	PROPN
abrj-544	275	4	,	,	PUNCT
abrj-544	275	5	field	field	NOUN
abrj-544	275	6	,	,	PUNCT
abrj-544	275	7	e.	e.	PROPN
abrj-544	275	8	,	,	PUNCT
abrj-544	275	9	&	&	CCONJ
abrj-544	275	10	pande	pande	PROPN
abrj-544	275	11	,	,	PUNCT
abrj-544	275	12	r.	r.	PROPN
abrj-544	275	13	(	(	PUNCT
abrj-544	275	14	2013	2013	NUM
abrj-544	275	15	)	)	PUNCT
abrj-544	275	16	.	.	PUNCT
abrj-544	276	1	the	the	DET
abrj-544	276	2	economic	economic	ADJ
abrj-544	276	3	returns	return	NOUN
abrj-544	276	4	to	to	ADP
abrj-544	276	5	social	social	ADJ
abrj-544	276	6	interaction	interaction	NOUN
abrj-544	276	7	:	:	PUNCT
abrj-544	276	8	experimental	experimental	ADJ
abrj-544	276	9	evidence	evidence	NOUN
abrj-544	276	10	from	from	ADP
abrj-544	276	11	microfinance	microfinance	NOUN
abrj-544	276	12	.	.	PUNCT
abrj-544	277	1	review	review	NOUN
abrj-544	277	2	of	of	ADP
abrj-544	277	3	economic	economic	ADJ
abrj-544	277	4	studies	study	NOUN
abrj-544	277	5	,	,	PUNCT
abrj-544	277	6	80(4	80(4	NUM
abrj-544	277	7	)	)	PUNCT
abrj-544	277	8	,	,	PUNCT
abrj-544	277	9	1459–1483	1459–1483	NOUN
abrj-544	277	10	.	.	PUNCT
abrj-544	278	1	https://doi.org/10.1093/restud/rdt016	https://doi.org/10.1093/restud/rdt016	PROPN
abrj-544	278	2	fernandes	fernande	NOUN
abrj-544	278	3	,	,	PUNCT
abrj-544	278	4	d.	d.	PROPN
abrj-544	278	5	,	,	PUNCT
abrj-544	278	6	lynch	lynch	PROPN
abrj-544	278	7	,	,	PUNCT
abrj-544	278	8	j.	j.	PROPN
abrj-544	278	9	g.	g.	PROPN
abrj-544	278	10	,	,	PUNCT
abrj-544	278	11	jr	jr	PROPN
abrj-544	278	12	.	.	PROPN
abrj-544	278	13	,	,	PUNCT
abrj-544	278	14	&	&	CCONJ
abrj-544	278	15	netemeyer	netemeyer	PROPN
abrj-544	278	16	,	,	PUNCT
abrj-544	278	17	r.	r.	PROPN
abrj-544	278	18	g.	g.	PROPN
abrj-544	278	19	(	(	PUNCT
abrj-544	278	20	2014	2014	NUM
abrj-544	278	21	)	)	PUNCT
abrj-544	278	22	.	.	PUNCT
abrj-544	279	1	financial	financial	ADJ
abrj-544	279	2	literacy	literacy	NOUN
abrj-544	279	3	,	,	PUNCT
abrj-544	279	4	financial	financial	ADJ
abrj-544	279	5	education	education	NOUN
abrj-544	279	6	,	,	PUNCT
abrj-544	279	7	and	and	CCONJ
abrj-544	279	8	downstream	downstream	ADJ
abrj-544	279	9	financial	financial	ADJ
abrj-544	279	10	behaviors	behavior	NOUN
abrj-544	279	11	.	.	PUNCT
abrj-544	280	1	management	management	NOUN
abrj-544	280	2	science	science	NOUN
abrj-544	280	3	,	,	PUNCT
abrj-544	280	4	60(8	60(8	NUM
abrj-544	280	5	)	)	PUNCT
abrj-544	280	6	,	,	PUNCT
abrj-544	280	7	1861–1883	1861–1883	NUM
abrj-544	280	8	.	.	PUNCT
abrj-544	281	1	https://doi.org/10.1287/mnsc.2013.1849	https://doi.org/10.1287/mnsc.2013.1849	PROPN
abrj-544	281	2	ghatak	ghatak	NOUN
abrj-544	281	3	,	,	PUNCT
abrj-544	281	4	m.	m.	NOUN
abrj-544	281	5	,	,	PUNCT
abrj-544	281	6	&	&	CCONJ
abrj-544	281	7	guinnane	guinnane	PROPN
abrj-544	281	8	,	,	PUNCT
abrj-544	281	9	t.	t.	PROPN
abrj-544	281	10	w.	w.	PROPN
abrj-544	281	11	(	(	PUNCT
abrj-544	281	12	1999	1999	NUM
abrj-544	281	13	)	)	PUNCT
abrj-544	281	14	.	.	PUNCT
abrj-544	282	1	the	the	DET
abrj-544	282	2	economics	economic	NOUN
abrj-544	282	3	of	of	ADP
abrj-544	282	4	lending	lend	VERB
abrj-544	282	5	with	with	ADP
abrj-544	282	6	joint	joint	ADJ
abrj-544	282	7	liability	liability	NOUN
abrj-544	282	8	:	:	PUNCT
abrj-544	282	9	theory	theory	NOUN
abrj-544	282	10	and	and	CCONJ
abrj-544	282	11	practice	practice	NOUN
abrj-544	282	12	.	.	PUNCT
abrj-544	283	1	journal	journal	PROPN
abrj-544	283	2	of	of	ADP
abrj-544	283	3	development	development	NOUN
abrj-544	283	4	economics	economic	NOUN
abrj-544	283	5	,	,	PUNCT
abrj-544	283	6	60(1	60(1	NUM
abrj-544	283	7	)	)	PUNCT
abrj-544	283	8	,	,	PUNCT
abrj-544	283	9	195–228	195–228	NUM
abrj-544	283	10	.	.	PUNCT
abrj-544	284	1	https://doi.org/10.1016/s0304-3878(99)00041-3	https://doi.org/10.1016/s0304-3878(99)00041-3	PROPN
abrj-544	284	2	grootaert	grootaert	NOUN
abrj-544	284	3	,	,	PUNCT
abrj-544	284	4	c.	c.	PROPN
abrj-544	284	5	,	,	PUNCT
abrj-544	284	6	&	&	CCONJ
abrj-544	284	7	van	van	PROPN
abrj-544	284	8	bastelaer	bastelaer	PROPN
abrj-544	284	9	,	,	PUNCT
abrj-544	284	10	t.	t.	PROPN
abrj-544	284	11	(	(	PUNCT
abrj-544	284	12	2002	2002	NUM
abrj-544	284	13	)	)	PUNCT
abrj-544	284	14	.	.	PUNCT
abrj-544	285	1	understanding	understanding	NOUN
abrj-544	285	2	and	and	CCONJ
abrj-544	285	3	measuring	measure	VERB
abrj-544	285	4	social	social	ADJ
abrj-544	285	5	capital	capital	NOUN
abrj-544	285	6	:	:	PUNCT
abrj-544	285	7	a	a	DET
abrj-544	285	8	multidisciplinary	multidisciplinary	ADJ
abrj-544	285	9	tool	tool	NOUN
abrj-544	285	10	for	for	ADP
abrj-544	285	11	practitioners	practitioner	NOUN
abrj-544	285	12	.	.	PUNCT
abrj-544	286	1	world	world	PROPN
abrj-544	286	2	bank	bank	PROPN
abrj-544	286	3	.	.	PUNCT
abrj-544	287	1	https://doi.org/10.1596/0-8213-5068-4	https://doi.org/10.1596/0-8213-5068-4	ADP
abrj-544	287	2	hair	hair	NOUN
abrj-544	287	3	,	,	PUNCT
abrj-544	287	4	j.	j.	PROPN
abrj-544	287	5	f.	f.	PROPN
abrj-544	287	6	,	,	PUNCT
abrj-544	287	7	hult	hult	PROPN
abrj-544	287	8	,	,	PUNCT
abrj-544	287	9	g.	g.	PROPN
abrj-544	287	10	t.	t.	PROPN
abrj-544	287	11	m.	m.	PROPN
abrj-544	287	12	,	,	PUNCT
abrj-544	287	13	ringle	ringle	PROPN
abrj-544	287	14	,	,	PUNCT
abrj-544	287	15	c.	c.	PROPN
abrj-544	287	16	m.	m.	PROPN
abrj-544	287	17	,	,	PUNCT
abrj-544	287	18	&	&	CCONJ
abrj-544	287	19	sarstedt	sarstedt	NOUN
abrj-544	287	20	,	,	PUNCT
abrj-544	287	21	m.	m.	NOUN
abrj-544	287	22	(	(	PUNCT
abrj-544	287	23	2017	2017	NUM
abrj-544	287	24	)	)	PUNCT
abrj-544	287	25	.	.	PUNCT
abrj-544	288	1	a	a	DET
abrj-544	288	2	primer	primer	NOUN
abrj-544	288	3	on	on	ADP
abrj-544	288	4	partial	partial	ADJ
abrj-544	288	5	least	least	ADJ
abrj-544	288	6	squares	square	NOUN
abrj-544	288	7	structural	structural	ADJ
abrj-544	288	8	equation	equation	NOUN
abrj-544	288	9	modeling	modeling	NOUN
abrj-544	288	10	(	(	PUNCT
abrj-544	288	11	pls	pls	INTJ
abrj-544	288	12	-	-	PUNCT
abrj-544	288	13	sem	sem	NOUN
abrj-544	288	14	)	)	PUNCT
abrj-544	288	15	(	(	PUNCT
abrj-544	288	16	2nd	2nd	NOUN
abrj-544	288	17	ed	ed	NOUN
abrj-544	288	18	.	.	PUNCT
abrj-544	288	19	)	)	PUNCT
abrj-544	288	20	.	.	PUNCT
abrj-544	289	1	sage	sage	NOUN
abrj-544	289	2	publications	publication	NOUN
abrj-544	289	3	.	.	PUNCT
abrj-544	290	1	hannig	hannig	PROPN
abrj-544	290	2	,	,	PUNCT
abrj-544	290	3	a.	a.	PROPN
abrj-544	290	4	,	,	PUNCT
abrj-544	290	5	&	&	CCONJ
abrj-544	290	6	jansen	jansen	PROPN
abrj-544	290	7	,	,	PUNCT
abrj-544	290	8	s.	s.	PROPN
abrj-544	290	9	(	(	PUNCT
abrj-544	290	10	2010	2010	NUM
abrj-544	290	11	)	)	PUNCT
abrj-544	290	12	.	.	PUNCT
abrj-544	291	1	financial	financial	ADJ
abrj-544	291	2	inclusion	inclusion	NOUN
abrj-544	291	3	and	and	CCONJ
abrj-544	291	4	financial	financial	ADJ
abrj-544	291	5	stability	stability	NOUN
abrj-544	291	6	:	:	PUNCT
abrj-544	291	7	current	current	ADJ
abrj-544	291	8	policy	policy	NOUN
abrj-544	291	9	issues	issue	NOUN
abrj-544	291	10	(	(	PUNCT
abrj-544	291	11	adbi	adbi	ADJ
abrj-544	291	12	working	working	NOUN
abrj-544	291	13	paper	paper	NOUN
abrj-544	291	14	no	no	INTJ
abrj-544	291	15	.	.	PUNCT
abrj-544	291	16	259	259	NUM
abrj-544	291	17	)	)	PUNCT
abrj-544	291	18	.	.	PUNCT
abrj-544	292	1	asian	asian	PROPN
abrj-544	292	2	development	development	PROPN
abrj-544	292	3	bank	bank	PROPN
abrj-544	292	4	institute	institute	PROPN
abrj-544	292	5	.	.	PUNCT
abrj-544	293	1	https://doi.org/10.2139/ssrn.1729122	https://doi.org/10.2139/ssrn.1729122	PROPN
abrj-544	293	2	hartarska	hartarska	PROPN
abrj-544	293	3	,	,	PUNCT
abrj-544	293	4	v.	v.	PROPN
abrj-544	293	5	,	,	PUNCT
abrj-544	293	6	&	&	CCONJ
abrj-544	293	7	nadolnyak	nadolnyak	PROPN
abrj-544	293	8	,	,	PUNCT
abrj-544	293	9	d.	d.	PROPN
abrj-544	293	10	(	(	PUNCT
abrj-544	293	11	2007	2007	NUM
abrj-544	293	12	)	)	PUNCT
abrj-544	293	13	.	.	PUNCT
abrj-544	294	1	do	do	AUX
abrj-544	294	2	regulated	regulate	VERB
abrj-544	294	3	microfinance	microfinance	NOUN
abrj-544	294	4	institutions	institution	NOUN
abrj-544	294	5	achieve	achieve	VERB
abrj-544	294	6	better	well	ADJ
abrj-544	294	7	sustainability	sustainability	NOUN
abrj-544	294	8	and	and	CCONJ
abrj-544	294	9	outreach	outreach	NOUN
abrj-544	294	10	?	?	PUNCT
abrj-544	295	1	cross	cross	ADJ
abrj-544	295	2	-	-	ADJ
abrj-544	295	3	country	country	ADJ
abrj-544	295	4	evidence	evidence	NOUN
abrj-544	295	5	.	.	PUNCT
abrj-544	296	1	applied	apply	VERB
abrj-544	296	2	economics	economic	NOUN
abrj-544	296	3	,	,	PUNCT
abrj-544	296	4	39(10	39(10	NUM
abrj-544	296	5	)	)	PUNCT
abrj-544	296	6	,	,	PUNCT
abrj-544	296	7	1207–1222	1207–1222	NUM
abrj-544	296	8	.	.	PUNCT
abrj-544	297	1	https://doi.org/10.1080/00036840500461840	https://doi.org/10.1080/00036840500461840	NOUN
abrj-544	297	2	henseler	henseler	NOUN
abrj-544	297	3	,	,	PUNCT
abrj-544	297	4	j.	j.	PROPN
abrj-544	297	5	,	,	PUNCT
abrj-544	297	6	ringle	ringle	PROPN
abrj-544	297	7	,	,	PUNCT
abrj-544	297	8	c.	c.	PROPN
abrj-544	297	9	m.	m.	PROPN
abrj-544	297	10	,	,	PUNCT
abrj-544	297	11	&	&	CCONJ
abrj-544	297	12	sarstedt	sarstedt	NOUN
abrj-544	297	13	,	,	PUNCT
abrj-544	297	14	m.	m.	NOUN
abrj-544	297	15	(	(	PUNCT
abrj-544	297	16	2015	2015	NUM
abrj-544	297	17	)	)	PUNCT
abrj-544	297	18	.	.	PUNCT
abrj-544	298	1	a	a	DET
abrj-544	298	2	new	new	ADJ
abrj-544	298	3	criterion	criterion	NOUN
abrj-544	298	4	for	for	ADP
abrj-544	298	5	assessing	assess	VERB
abrj-544	298	6	discriminant	discriminant	ADJ
abrj-544	298	7	validity	validity	NOUN
abrj-544	298	8	in	in	ADP
abrj-544	298	9	variance	variance	NOUN
abrj-544	298	10	-	-	PUNCT
abrj-544	298	11	based	base	VERB
abrj-544	298	12	structural	structural	ADJ
abrj-544	298	13	equation	equation	NOUN
abrj-544	298	14	modeling	modeling	NOUN
abrj-544	298	15	.	.	PUNCT
abrj-544	299	1	journal	journal	NOUN
abrj-544	299	2	of	of	ADP
abrj-544	299	3	the	the	DET
abrj-544	299	4	academy	academy	NOUN
abrj-544	299	5	of	of	ADP
abrj-544	299	6	marketing	marketing	NOUN
abrj-544	299	7	science	science	NOUN
abrj-544	299	8	,	,	PUNCT
abrj-544	299	9	43(1	43(1	NOUN
abrj-544	299	10	)	)	PUNCT
abrj-544	299	11	,	,	PUNCT
abrj-544	299	12	115–135	115–135	NUM
abrj-544	299	13	.	.	PUNCT
abrj-544	299	14	https://doi.org/10.1007/s11747-014-0403-8	https://doi.org/10.1007/s11747-014-0403-8	PROPN
abrj-544	299	15	hoang	hoang	PROPN
abrj-544	299	16	,	,	PUNCT
abrj-544	299	17	l.	l.	PROPN
abrj-544	299	18	a.	a.	PROPN
abrj-544	299	19	,	,	PUNCT
abrj-544	299	20	castella	castella	NOUN
abrj-544	299	21	,	,	PUNCT
abrj-544	299	22	j.	j.	PROPN
abrj-544	299	23	c.	c.	PROPN
abrj-544	299	24	,	,	PUNCT
abrj-544	299	25	&	&	CCONJ
abrj-544	299	26	novosad	novosad	PROPN
abrj-544	299	27	,	,	PUNCT
abrj-544	299	28	p.	p.	NOUN
abrj-544	299	29	(	(	PUNCT
abrj-544	299	30	2006	2006	NUM
abrj-544	299	31	)	)	PUNCT
abrj-544	299	32	.	.	PUNCT
abrj-544	300	1	social	social	ADJ
abrj-544	300	2	networks	network	NOUN
abrj-544	300	3	and	and	CCONJ
abrj-544	300	4	information	information	NOUN
abrj-544	300	5	access	access	NOUN
abrj-544	300	6	:	:	PUNCT
abrj-544	300	7	implications	implication	NOUN
abrj-544	300	8	for	for	ADP
abrj-544	300	9	agricultural	agricultural	ADJ
abrj-544	300	10	extension	extension	NOUN
abrj-544	300	11	in	in	ADP
abrj-544	300	12	a	a	DET
abrj-544	300	13	rice	rice	NOUN
abrj-544	300	14	farming	farming	NOUN
abrj-544	300	15	system	system	NOUN
abrj-544	300	16	in	in	ADP
abrj-544	300	17	northern	northern	ADJ
abrj-544	300	18	vietnam	vietnam	PROPN
abrj-544	300	19	.	.	PUNCT
abrj-544	301	1	agriculture	agriculture	NOUN
abrj-544	301	2	and	and	CCONJ
abrj-544	301	3	human	human	ADJ
abrj-544	301	4	values	value	NOUN
abrj-544	301	5	,	,	PUNCT
abrj-544	301	6	23(4	23(4	NOUN
abrj-544	301	7	)	)	PUNCT
abrj-544	301	8	,	,	PUNCT
abrj-544	301	9	513–527	513–527	NUM
abrj-544	301	10	.	.	PUNCT
abrj-544	302	1	https://doi.org/10.1007/s10460-006-9013-5	https://doi.org/10.1007/s10460-006-9013-5	NUM
abrj-544	302	2	karlan	karlan	NOUN
abrj-544	302	3	,	,	PUNCT
abrj-544	302	4	d.	d.	PROPN
abrj-544	302	5	(	(	PUNCT
abrj-544	302	6	2007	2007	NUM
abrj-544	302	7	)	)	PUNCT
abrj-544	302	8	.	.	PUNCT
abrj-544	303	1	social	social	ADJ
abrj-544	303	2	connections	connection	NOUN
abrj-544	303	3	and	and	CCONJ
abrj-544	303	4	group	group	NOUN
abrj-544	303	5	banking	banking	NOUN
abrj-544	303	6	.	.	PUNCT
abrj-544	304	1	economic	economic	ADJ
abrj-544	304	2	journal	journal	PROPN
abrj-544	304	3	,	,	PUNCT
abrj-544	304	4	117(517	117(517	NUM
abrj-544	304	5	)	)	PUNCT
abrj-544	304	6	,	,	PUNCT
abrj-544	304	7	f52	f52	NUM
abrj-544	304	8	–	–	PUNCT
abrj-544	304	9	f84	f84	PROPN
abrj-544	304	10	.	.	PUNCT
abrj-544	305	1	https://doi.org/10.1111/j.14680297.2007.02015.x	https://doi.org/10.1111/j.14680297.2007.02015.x	X
abrj-544	305	2	karlan	karlan	PROPN
abrj-544	305	3	,	,	PUNCT
abrj-544	305	4	d.	d.	PROPN
abrj-544	305	5	,	,	PUNCT
abrj-544	305	6	&	&	CCONJ
abrj-544	305	7	morduch	morduch	PROPN
abrj-544	305	8	,	,	PUNCT
abrj-544	305	9	j.	j.	PROPN
abrj-544	305	10	(	(	PUNCT
abrj-544	305	11	2010	2010	NUM
abrj-544	305	12	)	)	PUNCT
abrj-544	305	13	.	.	PUNCT
abrj-544	306	1	access	access	NOUN
abrj-544	306	2	to	to	ADP
abrj-544	306	3	finance	finance	NOUN
abrj-544	306	4	.	.	PUNCT
abrj-544	307	1	in	in	ADP
abrj-544	307	2	d.	d.	PROPN
abrj-544	307	3	rodrik	rodrik	PROPN
abrj-544	307	4	&	&	CCONJ
abrj-544	307	5	m.	m.	PROPN
abrj-544	307	6	rosenzweig	rosenzweig	PROPN
abrj-544	307	7	(	(	PUNCT
abrj-544	307	8	eds	ed	NOUN
abrj-544	307	9	.	.	PUNCT
abrj-544	307	10	)	)	PUNCT
abrj-544	307	11	,	,	PUNCT
abrj-544	307	12	handbook	handbook	NOUN
abrj-544	307	13	of	of	ADP
abrj-544	307	14	development	development	NOUN
abrj-544	307	15	economics	economic	NOUN
abrj-544	307	16	(	(	PUNCT
abrj-544	307	17	vol	vol	NOUN
abrj-544	307	18	.	.	PROPN
abrj-544	307	19	5	5	NUM
abrj-544	307	20	,	,	PUNCT
abrj-544	307	21	pp	pp	ADJ
abrj-544	307	22	.	.	PUNCT
abrj-544	307	23	4703–4784	4703–4784	NUM
abrj-544	307	24	)	)	PUNCT
abrj-544	307	25	.	.	PUNCT
abrj-544	308	1	elsevier	elsevier	NOUN
abrj-544	308	2	.	.	PUNCT
abrj-544	309	1	https://doi.org/10.1016/b978-0-444-52944-2.00009-4	https://doi.org/10.1016/b978-0-444-52944-2.00009-4	DET
abrj-544	309	2	khandker	khandker	NOUN
abrj-544	309	3	,	,	PUNCT
abrj-544	309	4	s.	s.	PROPN
abrj-544	309	5	r.	r.	PROPN
abrj-544	309	6	(	(	PUNCT
abrj-544	309	7	2005	2005	NUM
abrj-544	309	8	)	)	PUNCT
abrj-544	309	9	.	.	PUNCT
abrj-544	310	1	microfinance	microfinance	NOUN
abrj-544	310	2	and	and	CCONJ
abrj-544	310	3	poverty	poverty	NOUN
abrj-544	310	4	:	:	PUNCT
abrj-544	310	5	evidence	evidence	NOUN
abrj-544	310	6	using	use	VERB
abrj-544	310	7	panel	panel	NOUN
abrj-544	310	8	data	datum	NOUN
abrj-544	310	9	from	from	ADP
abrj-544	310	10	bangladesh	bangladesh	PROPN
abrj-544	310	11	.	.	PUNCT
abrj-544	311	1	world	world	PROPN
abrj-544	311	2	bank	bank	PROPN
abrj-544	311	3	economic	economic	PROPN
abrj-544	311	4	review	review	PROPN
abrj-544	311	5	,	,	PUNCT
abrj-544	311	6	19(2	19(2	NUM
abrj-544	311	7	)	)	PUNCT
abrj-544	311	8	,	,	PUNCT
abrj-544	311	9	263–286	263–286	NUM
abrj-544	311	10	.	.	PUNCT
abrj-544	312	1	https://doi.org/10.1093/wber/lhi008	https://doi.org/10.1093/wber/lhi008	NOUN
abrj-544	312	2	krishna	krishna	PROPN
abrj-544	312	3	,	,	PUNCT
abrj-544	312	4	a.	a.	PROPN
abrj-544	312	5	,	,	PUNCT
abrj-544	312	6	&	&	CCONJ
abrj-544	312	7	uphoff	uphoff	PROPN
abrj-544	312	8	,	,	PUNCT
abrj-544	312	9	n.	n.	PROPN
abrj-544	312	10	(	(	PUNCT
abrj-544	312	11	2002	2002	NUM
abrj-544	312	12	)	)	PUNCT
abrj-544	312	13	.	.	PUNCT
abrj-544	313	1	mapping	mapping	NOUN
abrj-544	313	2	and	and	CCONJ
abrj-544	313	3	measuring	measure	VERB
abrj-544	313	4	social	social	ADJ
abrj-544	313	5	capital	capital	NOUN
abrj-544	313	6	through	through	ADP
abrj-544	313	7	assessment	assessment	NOUN
abrj-544	313	8	of	of	ADP
abrj-544	313	9	collective	collective	ADJ
abrj-544	313	10	action	action	NOUN
abrj-544	313	11	to	to	PART
abrj-544	313	12	conserve	conserve	VERB
abrj-544	313	13	and	and	CCONJ
abrj-544	313	14	develop	develop	VERB
abrj-544	313	15	watersheds	watershed	NOUN
abrj-544	313	16	in	in	ADP
abrj-544	313	17	rajasthan	rajasthan	PROPN
abrj-544	313	18	,	,	PUNCT
abrj-544	313	19	india	india	PROPN
abrj-544	313	20	(	(	PUNCT
abrj-544	313	21	social	social	ADJ
abrj-544	313	22	capital	capital	NOUN
abrj-544	313	23	initiative	initiative	NOUN
abrj-544	313	24	working	working	PROPN
abrj-544	313	25	paper	paper	NOUN
abrj-544	314	1	no	no	INTJ
abrj-544	314	2	.	.	PROPN
abrj-544	314	3	13	13	NUM
abrj-544	314	4	)	)	PUNCT
abrj-544	314	5	.	.	PUNCT
abrj-544	315	1	world	world	PROPN
abrj-544	315	2	bank	bank	PROPN
abrj-544	315	3	.	.	PUNCT
abrj-544	316	1	asian	asian	ADJ
abrj-544	316	2	business	business	PROPN
abrj-544	316	3	research	research	NOUN
abrj-544	316	4	journal	journal	NOUN
abrj-544	316	5	,	,	PUNCT
abrj-544	316	6	2025	2025	NUM
abrj-544	316	7	,	,	PUNCT
abrj-544	316	8	10(8	10(8	NUM
abrj-544	316	9	):	):	PUNCT
abrj-544	316	10	85	85	NUM
abrj-544	316	11	-	-	SYM
abrj-544	316	12	94	94	NUM
abrj-544	316	13	94	94	NUM
abrj-544	317	1	©	©	ADP
abrj-544	317	2	2025	2025	NUM
abrj-544	317	3	by	by	ADP
abrj-544	317	4	the	the	DET
abrj-544	317	5	author	author	NOUN
abrj-544	317	6	;	;	PUNCT
abrj-544	317	7	licensee	licensee	NOUN
abrj-544	317	8	eastern	eastern	ADJ
abrj-544	317	9	centre	centre	NOUN
abrj-544	317	10	of	of	ADP
abrj-544	317	11	science	science	NOUN
abrj-544	317	12	and	and	CCONJ
abrj-544	317	13	education	education	NOUN
abrj-544	317	14	,	,	PUNCT
abrj-544	317	15	usa	usa	PROPN
abrj-544	317	16	lusardi	lusardi	PROPN
abrj-544	317	17	,	,	PUNCT
abrj-544	317	18	a.	a.	PROPN
abrj-544	317	19	,	,	PUNCT
abrj-544	317	20	&	&	CCONJ
abrj-544	317	21	mitchell	mitchell	PROPN
abrj-544	317	22	,	,	PUNCT
abrj-544	317	23	o.	o.	PROPN
abrj-544	317	24	s.	s.	PROPN
abrj-544	317	25	(	(	PUNCT
abrj-544	317	26	2011	2011	NUM
abrj-544	317	27	)	)	PUNCT
abrj-544	317	28	.	.	PUNCT
abrj-544	318	1	financial	financial	ADJ
abrj-544	318	2	literacy	literacy	NOUN
abrj-544	318	3	around	around	ADP
abrj-544	318	4	the	the	DET
abrj-544	318	5	world	world	NOUN
abrj-544	318	6	:	:	PUNCT
abrj-544	318	7	an	an	DET
abrj-544	318	8	overview	overview	NOUN
abrj-544	318	9	.	.	PUNCT
abrj-544	319	1	journal	journal	NOUN
abrj-544	319	2	of	of	ADP
abrj-544	319	3	pension	pension	NOUN
abrj-544	319	4	economics	economic	NOUN
abrj-544	319	5	&	&	CCONJ
abrj-544	319	6	finance	finance	PROPN
abrj-544	319	7	,	,	PUNCT
abrj-544	319	8	10(4	10(4	NUM
abrj-544	319	9	)	)	PUNCT
abrj-544	319	10	,	,	PUNCT
abrj-544	319	11	497	497	NUM
abrj-544	319	12	–	–	PUNCT
abrj-544	319	13	508	508	NUM
abrj-544	319	14	.	.	PUNCT
abrj-544	320	1	https://doi.org/10.1017/s1474747211000448	https://doi.org/10.1017/s1474747211000448	NUM
abrj-544	320	2	lusardi	lusardi	PROPN
abrj-544	320	3	,	,	PUNCT
abrj-544	320	4	a.	a.	PROPN
abrj-544	320	5	,	,	PUNCT
abrj-544	320	6	&	&	CCONJ
abrj-544	320	7	mitchell	mitchell	PROPN
abrj-544	320	8	,	,	PUNCT
abrj-544	320	9	o.	o.	PROPN
abrj-544	320	10	s.	s.	PROPN
abrj-544	320	11	(	(	PUNCT
abrj-544	320	12	2014	2014	NUM
abrj-544	320	13	)	)	PUNCT
abrj-544	320	14	.	.	PUNCT
abrj-544	321	1	the	the	DET
abrj-544	321	2	economic	economic	ADJ
abrj-544	321	3	importance	importance	NOUN
abrj-544	321	4	of	of	ADP
abrj-544	321	5	financial	financial	ADJ
abrj-544	321	6	literacy	literacy	NOUN
abrj-544	321	7	:	:	PUNCT
abrj-544	321	8	theory	theory	NOUN
abrj-544	321	9	and	and	CCONJ
abrj-544	321	10	evidence	evidence	NOUN
abrj-544	321	11	.	.	PUNCT
abrj-544	322	1	journal	journal	NOUN
abrj-544	322	2	of	of	ADP
abrj-544	322	3	economic	economic	ADJ
abrj-544	322	4	literature	literature	NOUN
abrj-544	322	5	,	,	PUNCT
abrj-544	322	6	52(1	52(1	NOUN
abrj-544	322	7	)	)	PUNCT
abrj-544	322	8	,	,	PUNCT
abrj-544	322	9	5–44	5–44	PROPN
abrj-544	322	10	.	.	PROPN
abrj-544	322	11	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
abrj-544	322	12	mayoux	mayoux	PROPN
abrj-544	322	13	,	,	PUNCT
abrj-544	322	14	l.	l.	PROPN
abrj-544	322	15	(	(	PUNCT
abrj-544	322	16	2001	2001	NUM
abrj-544	322	17	)	)	PUNCT
abrj-544	322	18	.	.	PUNCT
abrj-544	323	1	tackling	tackle	VERB
abrj-544	323	2	the	the	DET
abrj-544	323	3	down	down	ADJ
abrj-544	323	4	side	side	NOUN
abrj-544	323	5	:	:	PUNCT
abrj-544	323	6	social	social	ADJ
abrj-544	323	7	capital	capital	NOUN
abrj-544	323	8	,	,	PUNCT
abrj-544	323	9	women	woman	NOUN
abrj-544	323	10	’s	’s	PART
abrj-544	323	11	empowerment	empowerment	NOUN
abrj-544	323	12	and	and	CCONJ
abrj-544	323	13	micro	micro	NOUN
abrj-544	323	14	-	-	NOUN
abrj-544	323	15	finance	finance	NOUN
abrj-544	323	16	in	in	ADP
abrj-544	323	17	cameroon	cameroon	PROPN
abrj-544	323	18	.	.	PUNCT
abrj-544	324	1	development	development	NOUN
abrj-544	324	2	and	and	CCONJ
abrj-544	324	3	change	change	NOUN
abrj-544	324	4	,	,	PUNCT
abrj-544	324	5	32(3	32(3	NUM
abrj-544	324	6	)	)	PUNCT
abrj-544	324	7	,	,	PUNCT
abrj-544	324	8	435–464	435–464	NUM
abrj-544	324	9	.	.	PUNCT
abrj-544	325	1	https://doi.org/10.1111/1467-7660.00212	https://doi.org/10.1111/1467-7660.00212	PROPN
abrj-544	325	2	morduch	morduch	PROPN
abrj-544	325	3	,	,	PUNCT
abrj-544	325	4	j.	j.	PROPN
abrj-544	325	5	(	(	PUNCT
abrj-544	325	6	2000	2000	NUM
abrj-544	325	7	)	)	PUNCT
abrj-544	325	8	.	.	PUNCT
abrj-544	326	1	the	the	DET
abrj-544	326	2	microfinance	microfinance	NOUN
abrj-544	326	3	schism	schism	NOUN
abrj-544	326	4	.	.	PUNCT
abrj-544	327	1	world	world	NOUN
abrj-544	327	2	development	development	PROPN
abrj-544	327	3	,	,	PUNCT
abrj-544	327	4	28(4	28(4	NUM
abrj-544	327	5	)	)	PUNCT
abrj-544	327	6	,	,	PUNCT
abrj-544	327	7	617–629	617–629	NUM
abrj-544	327	8	.	.	PUNCT
abrj-544	328	1	https://doi.org/10.1016/s0305-750x(99)00151-5	https://doi.org/10.1016/s0305-750x(99)00151-5	NUM
abrj-544	328	2	nguyen	nguyen	NOUN
abrj-544	328	3	,	,	PUNCT
abrj-544	328	4	c.	c.	PROPN
abrj-544	328	5	v.	v.	PROPN
abrj-544	328	6	,	,	PUNCT
abrj-544	328	7	&	&	CCONJ
abrj-544	328	8	berg	berg	PROPN
abrj-544	328	9	,	,	PUNCT
abrj-544	328	10	m.	m.	NOUN
abrj-544	328	11	(	(	PUNCT
abrj-544	328	12	2014	2014	NUM
abrj-544	328	13	)	)	PUNCT
abrj-544	328	14	.	.	PUNCT
abrj-544	329	1	economic	economic	ADJ
abrj-544	329	2	impacts	impact	NOUN
abrj-544	329	3	of	of	ADP
abrj-544	329	4	microcredit	microcredit	NOUN
abrj-544	329	5	:	:	PUNCT
abrj-544	329	6	evidence	evidence	NOUN
abrj-544	329	7	from	from	ADP
abrj-544	329	8	a	a	DET
abrj-544	329	9	long	long	ADJ
abrj-544	329	10	-	-	PUNCT
abrj-544	329	11	term	term	NOUN
abrj-544	329	12	household	household	NOUN
abrj-544	329	13	panel	panel	NOUN
abrj-544	329	14	data	datum	NOUN
abrj-544	329	15	in	in	ADP
abrj-544	329	16	vietnam	vietnam	PROPN
abrj-544	329	17	.	.	PUNCT
abrj-544	330	1	oxford	oxford	PROPN
abrj-544	330	2	development	development	PROPN
abrj-544	330	3	studies	study	NOUN
abrj-544	330	4	,	,	PUNCT
abrj-544	330	5	42(4	42(4	PROPN
abrj-544	330	6	)	)	PUNCT
abrj-544	330	7	,	,	PUNCT
abrj-544	330	8	555–578	555–578	NUM
abrj-544	330	9	.	.	PUNCT
abrj-544	331	1	https://doi.org/10.1080/13600818.2014.935981	https://doi.org/10.1080/13600818.2014.935981	PROPN
abrj-544	331	2	north	north	PROPN
abrj-544	331	3	,	,	PUNCT
abrj-544	331	4	d.	d.	PROPN
abrj-544	331	5	c.	c.	PROPN
abrj-544	331	6	(	(	PUNCT
abrj-544	331	7	1990	1990	NUM
abrj-544	331	8	)	)	PUNCT
abrj-544	331	9	.	.	PUNCT
abrj-544	332	1	institutions	institution	NOUN
abrj-544	332	2	,	,	PUNCT
abrj-544	332	3	institutional	institutional	ADJ
abrj-544	332	4	change	change	NOUN
abrj-544	332	5	and	and	CCONJ
abrj-544	332	6	economic	economic	ADJ
abrj-544	332	7	performance	performance	NOUN
abrj-544	332	8	.	.	PUNCT
abrj-544	333	1	cambridge	cambridge	PROPN
abrj-544	333	2	university	university	PROPN
abrj-544	333	3	press	press	NOUN
abrj-544	333	4	.	.	PUNCT
abrj-544	334	1	https://doi.org/10.1017/cbo9780511808678	https://doi.org/10.1017/cbo9780511808678	PROPN
abrj-544	334	2	pawson	pawson	PROPN
abrj-544	334	3	,	,	PUNCT
abrj-544	334	4	r.	r.	PROPN
abrj-544	334	5	,	,	PUNCT
abrj-544	334	6	&	&	CCONJ
abrj-544	334	7	tilley	tilley	PROPN
abrj-544	334	8	,	,	PUNCT
abrj-544	334	9	n.	n.	PROPN
abrj-544	334	10	(	(	PUNCT
abrj-544	334	11	1997	1997	NUM
abrj-544	334	12	)	)	PUNCT
abrj-544	334	13	.	.	PUNCT
abrj-544	335	1	realistic	realistic	ADJ
abrj-544	335	2	evaluation	evaluation	NOUN
abrj-544	335	3	.	.	PUNCT
abrj-544	336	1	sage	sage	NOUN
abrj-544	336	2	publications	publication	NOUN
abrj-544	336	3	.	.	PUNCT
abrj-544	337	1	pham	pham	PROPN
abrj-544	337	2	,	,	PUNCT
abrj-544	337	3	b.	b.	PROPN
abrj-544	337	4	d.	d.	PROPN
abrj-544	337	5	,	,	PUNCT
abrj-544	337	6	&	&	CCONJ
abrj-544	337	7	lensink	lensink	PROPN
abrj-544	337	8	,	,	PUNCT
abrj-544	337	9	r.	r.	PROPN
abrj-544	337	10	(	(	PUNCT
abrj-544	337	11	2007	2007	NUM
abrj-544	337	12	)	)	PUNCT
abrj-544	337	13	.	.	PUNCT
abrj-544	338	1	lending	lend	VERB
abrj-544	338	2	policies	policy	NOUN
abrj-544	338	3	of	of	ADP
abrj-544	338	4	informal	informal	ADJ
abrj-544	338	5	,	,	PUNCT
abrj-544	338	6	formal	formal	ADJ
abrj-544	338	7	and	and	CCONJ
abrj-544	338	8	semiformal	semiformal	ADJ
abrj-544	338	9	lenders	lender	NOUN
abrj-544	338	10	in	in	ADP
abrj-544	338	11	vietnam	vietnam	PROPN
abrj-544	338	12	.	.	PUNCT
abrj-544	339	1	economics	economic	NOUN
abrj-544	339	2	of	of	ADP
abrj-544	339	3	transition	transition	NOUN
abrj-544	339	4	,	,	PUNCT
abrj-544	339	5	15(2	15(2	NUM
abrj-544	339	6	)	)	PUNCT
abrj-544	339	7	,	,	PUNCT
abrj-544	339	8	181–209	181–209	NUM
abrj-544	339	9	.	.	PUNCT
abrj-544	340	1	https://doi.org/10.1111/j.1468-0351.2007.00276.x	https://doi.org/10.1111/j.1468-0351.2007.00276.x	ADJ
abrj-544	340	2	pitt	pitt	PROPN
abrj-544	340	3	,	,	PUNCT
abrj-544	340	4	m.	m.	NOUN
abrj-544	340	5	m.	m.	NOUN
abrj-544	340	6	,	,	PUNCT
abrj-544	340	7	&	&	CCONJ
abrj-544	340	8	khandker	khandker	PROPN
abrj-544	340	9	,	,	PUNCT
abrj-544	340	10	s.	s.	PROPN
abrj-544	340	11	r.	r.	PROPN
abrj-544	340	12	(	(	PUNCT
abrj-544	340	13	1998	1998	NUM
abrj-544	340	14	)	)	PUNCT
abrj-544	340	15	.	.	PUNCT
abrj-544	341	1	the	the	DET
abrj-544	341	2	impact	impact	NOUN
abrj-544	341	3	of	of	ADP
abrj-544	341	4	group	group	NOUN
abrj-544	341	5	-	-	PUNCT
abrj-544	341	6	based	base	VERB
abrj-544	341	7	credit	credit	NOUN
abrj-544	341	8	programs	program	NOUN
abrj-544	341	9	on	on	ADP
abrj-544	341	10	poor	poor	ADJ
abrj-544	341	11	households	household	NOUN
abrj-544	341	12	in	in	ADP
abrj-544	341	13	bangladesh	bangladesh	NOUN
abrj-544	341	14	:	:	PUNCT
abrj-544	341	15	does	do	AUX
abrj-544	341	16	the	the	DET
abrj-544	341	17	gender	gender	NOUN
abrj-544	341	18	of	of	ADP
abrj-544	341	19	participants	participant	NOUN
abrj-544	341	20	matter	matter	VERB
abrj-544	341	21	?	?	PUNCT
abrj-544	342	1	journal	journal	NOUN
abrj-544	342	2	of	of	ADP
abrj-544	342	3	political	political	ADJ
abrj-544	342	4	economy	economy	NOUN
abrj-544	342	5	,	,	PUNCT
abrj-544	342	6	106(5	106(5	NUM
abrj-544	342	7	)	)	PUNCT
abrj-544	342	8	,	,	PUNCT
abrj-544	342	9	958–996	958–996	NUM
abrj-544	342	10	.	.	PUNCT
abrj-544	343	1	https://doi.org/10.1086/250037	https://doi.org/10.1086/250037	PROPN
abrj-544	343	2	putnam	putnam	PROPN
abrj-544	343	3	,	,	PUNCT
abrj-544	343	4	r.	r.	PROPN
abrj-544	343	5	d.	d.	PROPN
abrj-544	343	6	(	(	PUNCT
abrj-544	343	7	2000	2000	NUM
abrj-544	343	8	)	)	PUNCT
abrj-544	343	9	.	.	PUNCT
abrj-544	344	1	bowling	bowl	VERB
abrj-544	344	2	alone	alone	ADV
abrj-544	344	3	:	:	PUNCT
abrj-544	344	4	the	the	DET
abrj-544	344	5	collapse	collapse	NOUN
abrj-544	344	6	and	and	CCONJ
abrj-544	344	7	revival	revival	NOUN
abrj-544	344	8	of	of	ADP
abrj-544	344	9	american	american	ADJ
abrj-544	344	10	community	community	NOUN
abrj-544	344	11	.	.	PUNCT
abrj-544	345	1	simon	simon	PROPN
abrj-544	345	2	&	&	CCONJ
abrj-544	345	3	schuster	schuster	PROPN
abrj-544	345	4	.	.	PUNCT
abrj-544	346	1	robeyns	robeyns	ADJ
abrj-544	346	2	,	,	PUNCT
abrj-544	346	3	i.	i.	PROPN
abrj-544	346	4	(	(	PUNCT
abrj-544	346	5	2005	2005	NUM
abrj-544	346	6	)	)	PUNCT
abrj-544	346	7	.	.	PUNCT
abrj-544	347	1	the	the	DET
abrj-544	347	2	capability	capability	NOUN
abrj-544	347	3	approach	approach	NOUN
abrj-544	347	4	:	:	PUNCT
abrj-544	347	5	a	a	DET
abrj-544	347	6	theoretical	theoretical	ADJ
abrj-544	347	7	survey	survey	NOUN
abrj-544	347	8	.	.	PUNCT
abrj-544	348	1	journal	journal	NOUN
abrj-544	348	2	of	of	ADP
abrj-544	348	3	human	human	PROPN
abrj-544	348	4	development	development	NOUN
abrj-544	348	5	,	,	PUNCT
abrj-544	348	6	6(1	6(1	NUM
abrj-544	348	7	)	)	PUNCT
abrj-544	348	8	,	,	PUNCT
abrj-544	349	1	93–117	93–117	NUM
abrj-544	349	2	.	.	PUNCT
abrj-544	349	3	https://doi.org/10.1080/146498805200034266	https://doi.org/10.1080/146498805200034266	VERB
abrj-544	349	4	roodman	roodman	PROPN
abrj-544	349	5	,	,	PUNCT
abrj-544	349	6	d.	d.	PROPN
abrj-544	349	7	(	(	PUNCT
abrj-544	349	8	2012	2012	NUM
abrj-544	349	9	)	)	PUNCT
abrj-544	349	10	.	.	PUNCT
abrj-544	350	1	due	due	ADJ
abrj-544	350	2	diligence	diligence	NOUN
abrj-544	350	3	:	:	PUNCT
abrj-544	350	4	an	an	DET
abrj-544	350	5	impertinent	impertinent	ADJ
abrj-544	350	6	inquiry	inquiry	NOUN
abrj-544	350	7	into	into	ADP
abrj-544	350	8	microfinance	microfinance	NOUN
abrj-544	350	9	.	.	PUNCT
abrj-544	351	1	center	center	NOUN
abrj-544	351	2	for	for	ADP
abrj-544	351	3	global	global	ADJ
abrj-544	351	4	development	development	NOUN
abrj-544	351	5	.	.	PUNCT
abrj-544	352	1	sarma	sarma	PROPN
abrj-544	352	2	,	,	PUNCT
abrj-544	352	3	m.	m.	NOUN
abrj-544	352	4	(	(	PUNCT
abrj-544	352	5	2008	2008	NUM
abrj-544	352	6	)	)	PUNCT
abrj-544	352	7	.	.	PUNCT
abrj-544	353	1	index	index	NOUN
abrj-544	353	2	of	of	ADP
abrj-544	353	3	financial	financial	ADJ
abrj-544	353	4	inclusion	inclusion	NOUN
abrj-544	353	5	(	(	PUNCT
abrj-544	353	6	icrier	icrier	VERB
abrj-544	353	7	working	working	NOUN
abrj-544	353	8	paper	paper	NOUN
abrj-544	353	9	no	no	INTJ
abrj-544	353	10	.	.	PROPN
abrj-544	353	11	215	215	NUM
abrj-544	353	12	)	)	PUNCT
abrj-544	353	13	.	.	PUNCT
abrj-544	354	1	indian	indian	PROPN
abrj-544	354	2	council	council	PROPN
abrj-544	354	3	for	for	ADP
abrj-544	354	4	research	research	NOUN
abrj-544	354	5	on	on	ADP
abrj-544	354	6	international	international	ADJ
abrj-544	354	7	economic	economic	ADJ
abrj-544	354	8	relations	relation	NOUN
abrj-544	354	9	.	.	PUNCT
abrj-544	355	1	schreiner	schreiner	PROPN
abrj-544	355	2	,	,	PUNCT
abrj-544	355	3	m.	m.	NOUN
abrj-544	355	4	(	(	PUNCT
abrj-544	355	5	2001	2001	NUM
abrj-544	355	6	)	)	PUNCT
abrj-544	355	7	.	.	PUNCT
abrj-544	356	1	seven	seven	NUM
abrj-544	356	2	aspects	aspect	NOUN
abrj-544	356	3	of	of	ADP
abrj-544	356	4	loan	loan	NOUN
abrj-544	356	5	size	size	NOUN
abrj-544	356	6	.	.	PUNCT
abrj-544	357	1	journal	journal	NOUN
abrj-544	357	2	of	of	ADP
abrj-544	357	3	microfinance	microfinance	NOUN
abrj-544	357	4	,	,	PUNCT
abrj-544	357	5	3(2	3(2	NUM
abrj-544	357	6	)	)	PUNCT
abrj-544	357	7	,	,	PUNCT
abrj-544	357	8	27–47	27–47	NUM
abrj-544	357	9	.	.	PUNCT
abrj-544	358	1	sen	sen	PROPN
abrj-544	358	2	,	,	PUNCT
abrj-544	358	3	a.	a.	NOUN
abrj-544	358	4	(	(	PUNCT
abrj-544	358	5	1999	1999	NUM
abrj-544	358	6	)	)	PUNCT
abrj-544	358	7	.	.	PUNCT
abrj-544	359	1	development	development	NOUN
abrj-544	359	2	as	as	ADP
abrj-544	359	3	freedom	freedom	NOUN
abrj-544	359	4	.	.	PUNCT
abrj-544	360	1	anchor	anchor	PROPN
abrj-544	360	2	books	book	NOUN
abrj-544	360	3	.	.	PUNCT
abrj-544	361	1	williamson	williamson	PROPN
abrj-544	361	2	,	,	PUNCT
abrj-544	361	3	o.	o.	PROPN
abrj-544	361	4	e.	e.	PROPN
abrj-544	361	5	(	(	PUNCT
abrj-544	361	6	2000	2000	NUM
abrj-544	361	7	)	)	PUNCT
abrj-544	361	8	.	.	PUNCT
abrj-544	362	1	the	the	DET
abrj-544	362	2	new	new	ADJ
abrj-544	362	3	institutional	institutional	ADJ
abrj-544	362	4	economics	economic	NOUN
abrj-544	362	5	:	:	PUNCT
abrj-544	362	6	taking	take	VERB
abrj-544	362	7	stock	stock	NOUN
abrj-544	362	8	,	,	PUNCT
abrj-544	362	9	looking	look	VERB
abrj-544	362	10	ahead	ahead	ADV
abrj-544	362	11	.	.	PUNCT
abrj-544	363	1	journal	journal	NOUN
abrj-544	363	2	of	of	ADP
abrj-544	363	3	economic	economic	ADJ
abrj-544	363	4	literature	literature	NOUN
abrj-544	363	5	,	,	PUNCT
abrj-544	363	6	38(3	38(3	NUM
abrj-544	363	7	)	)	PUNCT
abrj-544	363	8	,	,	PUNCT
abrj-544	363	9	595–613	595–613	NUM
abrj-544	363	10	.	.	PUNCT
abrj-544	364	1	https://doi.org/10.1257/jel.38.3.595	https://doi.org/10.1257/jel.38.3.595	NOUN
abrj-544	364	2	world	world	PROPN
abrj-544	364	3	bank	bank	NOUN
abrj-544	364	4	.	.	PUNCT
abrj-544	365	1	(	(	PUNCT
abrj-544	365	2	2016	2016	NUM
abrj-544	365	3	)	)	PUNCT
abrj-544	365	4	.	.	PUNCT
abrj-544	366	1	vietnam	vietnam	PROPN
abrj-544	366	2	:	:	PUNCT
abrj-544	366	3	managing	manage	VERB
abrj-544	366	4	public	public	ADJ
abrj-544	366	5	expenditure	expenditure	NOUN
abrj-544	366	6	for	for	ADP
abrj-544	366	7	poverty	poverty	NOUN
abrj-544	366	8	reduction	reduction	NOUN
abrj-544	366	9	and	and	CCONJ
abrj-544	366	10	shared	share	VERB
abrj-544	366	11	prosperity	prosperity	NOUN
abrj-544	366	12	.	.	PUNCT
abrj-544	367	1	world	world	PROPN
abrj-544	367	2	bank	bank	PROPN
abrj-544	367	3	group	group	NOUN
abrj-544	367	4	.	.	PUNCT
abrj-544	368	1	yunus	yunus	PROPN
abrj-544	368	2	,	,	PUNCT
abrj-544	368	3	m.	m.	NOUN
abrj-544	368	4	(	(	PUNCT
abrj-544	368	5	2007	2007	NUM
abrj-544	368	6	)	)	PUNCT
abrj-544	368	7	.	.	PUNCT
abrj-544	369	1	creating	create	VERB
abrj-544	369	2	a	a	DET
abrj-544	369	3	world	world	NOUN
abrj-544	369	4	without	without	ADP
abrj-544	369	5	poverty	poverty	NOUN
abrj-544	369	6	:	:	PUNCT
abrj-544	369	7	social	social	ADJ
abrj-544	369	8	business	business	NOUN
abrj-544	369	9	and	and	CCONJ
abrj-544	369	10	the	the	DET
abrj-544	369	11	future	future	NOUN
abrj-544	369	12	of	of	ADP
abrj-544	369	13	capitalism	capitalism	NOUN
abrj-544	369	14	.	.	PUNCT
abrj-544	370	1	publicaffairs	publicaffair	NOUN
abrj-544	370	2	.	.	PUNCT