id	sid	tid	token	lemma	pos
ajoaa-1378	1	1	effect	effect	NOUN
ajoaa-1378	1	2	of	of	ADP
ajoaa-1378	1	3	selected	select	VERB
ajoaa-1378	1	4	insecticide	insecticide	NOUN
ajoaa-1378	1	5	on	on	ADP
ajoaa-1378	1	6	whitefly	whitefly	NOUN
ajoaa-1378	1	7	(	(	PUNCT
ajoaa-1378	1	8	bemisia	bemisia	NOUN
ajoaa-1378	1	9	tabaci	tabaci	NOUN
ajoaa-1378	1	10	)	)	PUNCT
ajoaa-1378	1	11	infesting	infest	VERB
ajoaa-1378	1	12	brinjal	brinjal	ADJ
ajoaa-1378	1	13	plants	plant	NOUN
ajoaa-1378	1	14	published	publish	VERB
ajoaa-1378	1	15	by	by	ADP
ajoaa-1378	1	16	:	:	PUNCT
ajoaa-1378	1	17	asian	asian	ADJ
ajoaa-1378	1	18	economic	economic	ADJ
ajoaa-1378	1	19	and	and	CCONJ
ajoaa-1378	1	20	social	social	ADJ
ajoaa-1378	1	21	society	society	NOUN
ajoaa-1378	1	22	issn	issn	VERB
ajoaa-1378	1	23	(	(	PUNCT
ajoaa-1378	1	24	p	p	X
ajoaa-1378	1	25	):	):	PUNCT
ajoaa-1378	1	26	2304	2304	NUM
ajoaa-1378	1	27	-	-	SYM
ajoaa-1378	1	28	1455	1455	NUM
ajoaa-1378	1	29	,	,	PUNCT
ajoaa-1378	1	30	issn	issn	PROPN
ajoaa-1378	1	31	(	(	PUNCT
ajoaa-1378	1	32	e	e	NOUN
ajoaa-1378	1	33	):	):	PUNCT
ajoaa-1378	1	34	2224	2224	NUM
ajoaa-1378	1	35	-	-	SYM
ajoaa-1378	1	36	4433	4433	NUM
ajoaa-1378	1	37	volume	volume	NOUN
ajoaa-1378	1	38	5(2)2015	5(2)2015	PROPN
ajoaa-1378	1	39	,	,	PUNCT
ajoaa-1378	1	40	www.aessweb.com	www.aessweb.com	PROPN
ajoaa-1378	1	41	42	42	NUM
ajoaa-1378	1	42	assessing	assess	VERB
ajoaa-1378	1	43	the	the	DET
ajoaa-1378	1	44	extension	extension	NOUN
ajoaa-1378	1	45	service	service	NOUN
ajoaa-1378	1	46	needs	need	NOUN
ajoaa-1378	1	47	of	of	ADP
ajoaa-1378	1	48	credit	credit	NOUN
ajoaa-1378	1	49	officers	officer	NOUN
ajoaa-1378	1	50	of	of	ADP
ajoaa-1378	1	51	microfinance	microfinance	NOUN
ajoaa-1378	1	52	banks	bank	NOUN
ajoaa-1378	1	53	in	in	ADP
ajoaa-1378	1	54	anambra	anambra	PROPN
ajoaa-1378	1	55	state	state	PROPN
ajoaa-1378	1	56	:	:	PUNCT
ajoaa-1378	1	57	implications	implication	NOUN
ajoaa-1378	1	58	for	for	ADP
ajoaa-1378	1	59	rural	rural	ADJ
ajoaa-1378	1	60	finance	finance	NOUN
ajoaa-1378	1	61	intermediation	intermediation	NOUN
ajoaa-1378	1	62	onugu	onugu	ADV
ajoaa-1378	1	63	,	,	PUNCT
ajoaa-1378	1	64	charles	charles	PROPN
ajoaa-1378	1	65	uchenna	uchenna	PROPN
ajoaa-1378	1	66	department	department	PROPN
ajoaa-1378	1	67	of	of	ADP
ajoaa-1378	1	68	agricultural	agricultural	ADJ
ajoaa-1378	1	69	economics	economic	NOUN
ajoaa-1378	1	70	and	and	CCONJ
ajoaa-1378	1	71	extension	extension	NOUN
ajoaa-1378	1	72	,	,	PUNCT
ajoaa-1378	1	73	nnamdi	nnamdi	PROPN
ajoaa-1378	1	74	azikiwe	azikiwe	PROPN
ajoaa-1378	1	75	university	university	PROPN
ajoaa-1378	1	76	,	,	PUNCT
ajoaa-1378	1	77	awka	awka	NOUN
ajoaa-1378	1	78	,	,	PUNCT
ajoaa-1378	1	79	nigeria	nigeria	PROPN
ajoaa-1378	1	80	taiwo	taiwo	PROPN
ajoaa-1378	1	81	abdulahi	abdulahi	ADV
ajoaa-1378	1	82	olabisi	olabisi	ADJ
ajoaa-1378	1	83	and	and	CCONJ
ajoaa-1378	1	84	agbasi	agbasi	NOUN
ajoaa-1378	1	85	obianuju	obianuju	PROPN
ajoaa-1378	1	86	e.	e.	PROPN
ajoaa-1378	1	87	department	department	PROPN
ajoaa-1378	1	88	of	of	ADP
ajoaa-1378	1	89	cooperative	cooperative	ADJ
ajoaa-1378	1	90	economics	economic	NOUN
ajoaa-1378	1	91	and	and	CCONJ
ajoaa-1378	1	92	management	management	NOUN
ajoaa-1378	1	93	,	,	PUNCT
ajoaa-1378	1	94	nnamdi	nnamdi	PROPN
ajoaa-1378	1	95	azikiwe	azikiwe	PROPN
ajoaa-1378	1	96	university	university	PROPN
ajoaa-1378	1	97	,	,	PUNCT
ajoaa-1378	1	98	awka	awka	NOUN
ajoaa-1378	1	99	,	,	PUNCT
ajoaa-1378	1	100	nigeria	nigeria	PROPN
ajoaa-1378	1	101	lawal	lawal	PROPN
ajoaa-1378	1	102	kamaldeen	kamaldeen	PROPN
ajoaa-1378	1	103	cooperative	cooperative	ADJ
ajoaa-1378	1	104	management	management	NOUN
ajoaa-1378	1	105	units	unit	NOUN
ajoaa-1378	1	106	,	,	PUNCT
ajoaa-1378	1	107	national	national	PROPN
ajoaa-1378	1	108	open	open	ADJ
ajoaa-1378	1	109	university	university	PROPN
ajoaa-1378	1	110	of	of	ADP
ajoaa-1378	1	111	nigeria	nigeria	PROPN
ajoaa-1378	1	112	,	,	PUNCT
ajoaa-1378	1	113	nigeria	nigeria	PROPN
ajoaa-1378	1	114	abstract	abstract	VERB
ajoaa-1378	1	115	the	the	DET
ajoaa-1378	1	116	credit	credit	NOUN
ajoaa-1378	1	117	officers	officer	NOUN
ajoaa-1378	1	118	of	of	ADP
ajoaa-1378	1	119	microfinance	microfinance	NOUN
ajoaa-1378	1	120	banks	bank	NOUN
ajoaa-1378	1	121	(	(	PUNCT
ajoaa-1378	1	122	mfbs	mfbs	PROPN
ajoaa-1378	1	123	)	)	PUNCT
ajoaa-1378	1	124	are	be	AUX
ajoaa-1378	1	125	key	key	ADJ
ajoaa-1378	1	126	players	player	NOUN
ajoaa-1378	1	127	in	in	ADP
ajoaa-1378	1	128	rural	rural	ADJ
ajoaa-1378	1	129	finance	finance	NOUN
ajoaa-1378	1	130	intermediation	intermediation	NOUN
ajoaa-1378	1	131	for	for	ADP
ajoaa-1378	1	132	economic	economic	ADJ
ajoaa-1378	1	133	development	development	NOUN
ajoaa-1378	1	134	.	.	PUNCT
ajoaa-1378	2	1	the	the	DET
ajoaa-1378	2	2	paper	paper	NOUN
ajoaa-1378	2	3	assessed	assess	VERB
ajoaa-1378	2	4	their	their	PRON
ajoaa-1378	2	5	extension	extension	NOUN
ajoaa-1378	2	6	service	service	NOUN
ajoaa-1378	2	7	needs	need	NOUN
ajoaa-1378	2	8	in	in	ADP
ajoaa-1378	2	9	anambra	anambra	PROPN
ajoaa-1378	2	10	state	state	PROPN
ajoaa-1378	2	11	.	.	PUNCT
ajoaa-1378	3	1	thirty	thirty	NUM
ajoaa-1378	3	2	-	-	PUNCT
ajoaa-1378	3	3	six	six	NUM
ajoaa-1378	3	4	(	(	PUNCT
ajoaa-1378	3	5	36	36	NUM
ajoaa-1378	3	6	)	)	PUNCT
ajoaa-1378	3	7	credit	credit	NOUN
ajoaa-1378	3	8	officers	officer	NOUN
ajoaa-1378	3	9	drawn	draw	VERB
ajoaa-1378	3	10	from	from	ADP
ajoaa-1378	3	11	eleven	eleven	NUM
ajoaa-1378	3	12	(	(	PUNCT
ajoaa-1378	3	13	11	11	NUM
ajoaa-1378	3	14	)	)	PUNCT
ajoaa-1378	3	15	rural	rural	ADJ
ajoaa-1378	3	16	based	base	VERB
ajoaa-1378	3	17	mfbs	mfbs	NOUN
ajoaa-1378	3	18	in	in	ADP
ajoaa-1378	3	19	anambra	anambra	PROPN
ajoaa-1378	3	20	state	state	NOUN
ajoaa-1378	3	21	were	be	AUX
ajoaa-1378	3	22	the	the	DET
ajoaa-1378	3	23	respondents	respondent	NOUN
ajoaa-1378	3	24	.	.	PUNCT
ajoaa-1378	4	1	data	datum	NOUN
ajoaa-1378	4	2	was	be	AUX
ajoaa-1378	4	3	collected	collect	VERB
ajoaa-1378	4	4	and	and	CCONJ
ajoaa-1378	4	5	analyzed	analyze	VERB
ajoaa-1378	4	6	using	use	VERB
ajoaa-1378	4	7	descriptive	descriptive	ADJ
ajoaa-1378	4	8	statistics	statistic	NOUN
ajoaa-1378	4	9	of	of	ADP
ajoaa-1378	4	10	simple	simple	ADJ
ajoaa-1378	4	11	percentage	percentage	NOUN
ajoaa-1378	4	12	,	,	PUNCT
ajoaa-1378	4	13	frequency	frequency	NOUN
ajoaa-1378	4	14	table	table	NOUN
ajoaa-1378	4	15	and	and	CCONJ
ajoaa-1378	4	16	mean	mean	ADJ
ajoaa-1378	4	17	.	.	PUNCT
ajoaa-1378	5	1	three	three	NUM
ajoaa-1378	5	2	(	(	PUNCT
ajoaa-1378	5	3	3	3	X
ajoaa-1378	5	4	)	)	PUNCT
ajoaa-1378	5	5	hypotheses	hypothesis	NOUN
ajoaa-1378	5	6	were	be	AUX
ajoaa-1378	5	7	tested	test	VERB
ajoaa-1378	5	8	with	with	ADP
ajoaa-1378	5	9	the	the	DET
ajoaa-1378	5	10	use	use	NOUN
ajoaa-1378	5	11	of	of	ADP
ajoaa-1378	5	12	chi	chi	PROPN
ajoaa-1378	5	13	square	square	PROPN
ajoaa-1378	5	14	(	(	PUNCT
ajoaa-1378	5	15	x	x	NOUN
ajoaa-1378	5	16	2	2	NUM
ajoaa-1378	5	17	)	)	PUNCT
ajoaa-1378	5	18	.	.	PUNCT
ajoaa-1378	6	1	the	the	DET
ajoaa-1378	6	2	findings	finding	NOUN
ajoaa-1378	6	3	of	of	ADP
ajoaa-1378	6	4	the	the	DET
ajoaa-1378	6	5	study	study	NOUN
ajoaa-1378	6	6	revealed	reveal	VERB
ajoaa-1378	6	7	that	that	SCONJ
ajoaa-1378	6	8	the	the	DET
ajoaa-1378	6	9	credit	credit	NOUN
ajoaa-1378	6	10	officers	officer	NOUN
ajoaa-1378	6	11	are	be	AUX
ajoaa-1378	6	12	sufficiently	sufficiently	ADV
ajoaa-1378	6	13	knowledgeable	knowledgeable	ADJ
ajoaa-1378	6	14	about	about	ADP
ajoaa-1378	6	15	credit	credit	NOUN
ajoaa-1378	6	16	extension	extension	NOUN
ajoaa-1378	6	17	service	service	NOUN
ajoaa-1378	6	18	delivery	delivery	NOUN
ajoaa-1378	6	19	.	.	PUNCT
ajoaa-1378	7	1	however	however	ADV
ajoaa-1378	7	2	,	,	PUNCT
ajoaa-1378	7	3	they	they	PRON
ajoaa-1378	7	4	were	be	AUX
ajoaa-1378	7	5	found	find	VERB
ajoaa-1378	7	6	not	not	PART
ajoaa-1378	7	7	involved	involve	VERB
ajoaa-1378	7	8	in	in	ADP
ajoaa-1378	7	9	designing	designing	NOUN
ajoaa-1378	7	10	,	,	PUNCT
ajoaa-1378	7	11	and	and	CCONJ
ajoaa-1378	7	12	implementation	implementation	NOUN
ajoaa-1378	7	13	of	of	ADP
ajoaa-1378	7	14	effective	effective	ADJ
ajoaa-1378	7	15	credit	credit	NOUN
ajoaa-1378	7	16	policies	policy	NOUN
ajoaa-1378	7	17	for	for	ADP
ajoaa-1378	7	18	their	their	PRON
ajoaa-1378	7	19	clients	client	NOUN
ajoaa-1378	7	20	.	.	PUNCT
ajoaa-1378	8	1	also	also	ADV
ajoaa-1378	8	2	,	,	PUNCT
ajoaa-1378	8	3	they	they	PRON
ajoaa-1378	8	4	are	be	AUX
ajoaa-1378	8	5	not	not	PART
ajoaa-1378	8	6	adequately	adequately	ADV
ajoaa-1378	8	7	motivated	motivated	ADJ
ajoaa-1378	8	8	to	to	PART
ajoaa-1378	8	9	carry	carry	VERB
ajoaa-1378	8	10	out	out	ADP
ajoaa-1378	8	11	their	their	PRON
ajoaa-1378	8	12	duties	duty	NOUN
ajoaa-1378	8	13	.	.	PUNCT
ajoaa-1378	9	1	based	base	VERB
ajoaa-1378	9	2	on	on	ADP
ajoaa-1378	9	3	the	the	DET
ajoaa-1378	9	4	findings	finding	NOUN
ajoaa-1378	9	5	,	,	PUNCT
ajoaa-1378	9	6	it	it	PRON
ajoaa-1378	9	7	was	be	AUX
ajoaa-1378	9	8	recommended	recommend	VERB
ajoaa-1378	9	9	that	that	SCONJ
ajoaa-1378	9	10	the	the	DET
ajoaa-1378	9	11	board	board	NOUN
ajoaa-1378	9	12	of	of	ADP
ajoaa-1378	9	13	directors	director	NOUN
ajoaa-1378	9	14	and	and	CCONJ
ajoaa-1378	9	15	management	management	NOUN
ajoaa-1378	9	16	of	of	ADP
ajoaa-1378	9	17	the	the	DET
ajoaa-1378	9	18	mfbs	mfbs	NOUN
ajoaa-1378	9	19	should	should	AUX
ajoaa-1378	9	20	provide	provide	VERB
ajoaa-1378	9	21	capacity	capacity	NOUN
ajoaa-1378	9	22	building	building	NOUN
ajoaa-1378	9	23	program	program	NOUN
ajoaa-1378	9	24	for	for	SCONJ
ajoaa-1378	9	25	credit	credit	NOUN
ajoaa-1378	9	26	officers	officer	NOUN
ajoaa-1378	9	27	to	to	PART
ajoaa-1378	9	28	improve	improve	VERB
ajoaa-1378	9	29	and	and	CCONJ
ajoaa-1378	9	30	sustain	sustain	VERB
ajoaa-1378	9	31	their	their	PRON
ajoaa-1378	9	32	knowledge	knowledge	NOUN
ajoaa-1378	9	33	and	and	CCONJ
ajoaa-1378	9	34	skills	skill	NOUN
ajoaa-1378	9	35	,	,	PUNCT
ajoaa-1378	9	36	also	also	ADV
ajoaa-1378	9	37	they	they	PRON
ajoaa-1378	9	38	should	should	AUX
ajoaa-1378	9	39	improve	improve	VERB
ajoaa-1378	9	40	their	their	PRON
ajoaa-1378	9	41	welfare	welfare	NOUN
ajoaa-1378	9	42	especially	especially	ADV
ajoaa-1378	9	43	,	,	PUNCT
ajoaa-1378	9	44	attractive	attractive	ADJ
ajoaa-1378	9	45	and	and	CCONJ
ajoaa-1378	9	46	encouraging	encouraging	ADJ
ajoaa-1378	9	47	salary	salary	NOUN
ajoaa-1378	9	48	,	,	PUNCT
ajoaa-1378	9	49	incentives	incentive	NOUN
ajoaa-1378	9	50	and	and	CCONJ
ajoaa-1378	9	51	insurance	insurance	NOUN
ajoaa-1378	9	52	cover	cover	NOUN
ajoaa-1378	9	53	which	which	PRON
ajoaa-1378	9	54	are	be	AUX
ajoaa-1378	9	55	paramount	paramount	ADJ
ajoaa-1378	9	56	to	to	ADP
ajoaa-1378	9	57	performance	performance	NOUN
ajoaa-1378	9	58	.	.	PUNCT
ajoaa-1378	10	1	keywords	keyword	NOUN
ajoaa-1378	10	2	:	:	PUNCT
ajoaa-1378	10	3	micro	micro	ADJ
ajoaa-1378	10	4	finance	finance	NOUN
ajoaa-1378	10	5	banks	bank	NOUN
ajoaa-1378	10	6	,	,	PUNCT
ajoaa-1378	10	7	rural	rural	ADJ
ajoaa-1378	10	8	finance	finance	NOUN
ajoaa-1378	10	9	intermediation	intermediation	NOUN
ajoaa-1378	10	10	,	,	PUNCT
ajoaa-1378	10	11	credit	credit	NOUN
ajoaa-1378	10	12	officers	officer	NOUN
ajoaa-1378	10	13	,	,	PUNCT
ajoaa-1378	10	14	credit	credit	NOUN
ajoaa-1378	10	15	extension	extension	NOUN
ajoaa-1378	10	16	service	service	NOUN
ajoaa-1378	10	17	1	1	NUM
ajoaa-1378	10	18	.	.	PUNCT
ajoaa-1378	11	1	introduction	introduction	NOUN
ajoaa-1378	11	2	1	1	NUM
ajoaa-1378	11	3	credit	credit	NOUN
ajoaa-1378	11	4	is	be	AUX
ajoaa-1378	11	5	a	a	DET
ajoaa-1378	11	6	critical	critical	ADJ
ajoaa-1378	11	7	factor	factor	NOUN
ajoaa-1378	11	8	in	in	ADP
ajoaa-1378	11	9	development	development	NOUN
ajoaa-1378	11	10	of	of	ADP
ajoaa-1378	11	11	agriculture	agriculture	NOUN
ajoaa-1378	11	12	in	in	ADP
ajoaa-1378	11	13	the	the	DET
ajoaa-1378	11	14	rural	rural	ADJ
ajoaa-1378	11	15	areas	area	NOUN
ajoaa-1378	11	16	and	and	CCONJ
ajoaa-1378	11	17	small	small	ADJ
ajoaa-1378	11	18	business	business	NOUN
ajoaa-1378	11	19	in	in	ADP
ajoaa-1378	11	20	general	general	ADJ
ajoaa-1378	11	21	.	.	PUNCT
ajoaa-1378	12	1	this	this	PRON
ajoaa-1378	12	2	is	be	AUX
ajoaa-1378	12	3	because	because	SCONJ
ajoaa-1378	12	4	it	it	PRON
ajoaa-1378	12	5	derives	derive	VERB
ajoaa-1378	12	6	capital	capital	NOUN
ajoaa-1378	12	7	formation	formation	NOUN
ajoaa-1378	12	8	and	and	CCONJ
ajoaa-1378	12	9	technology	technology	NOUN
ajoaa-1378	12	10	upgrade	upgrade	VERB
ajoaa-1378	12	11	(	(	PUNCT
ajoaa-1378	12	12	adigwe	adigwe	ADJ
ajoaa-1378	12	13	,	,	PUNCT
ajoaa-1378	12	14	2007	2007	NUM
ajoaa-1378	12	15	)	)	PUNCT
ajoaa-1378	12	16	.	.	PUNCT
ajoaa-1378	13	1	micro	micro	ADJ
ajoaa-1378	13	2	finance	finance	NOUN
ajoaa-1378	13	3	activity	activity	NOUN
ajoaa-1378	13	4	involves	involve	VERB
ajoaa-1378	13	5	the	the	DET
ajoaa-1378	13	6	direct	direct	ADJ
ajoaa-1378	13	7	making	making	NOUN
ajoaa-1378	13	8	of	of	ADP
ajoaa-1378	13	9	small	small	ADJ
ajoaa-1378	13	10	loans	loan	NOUN
ajoaa-1378	13	11	available	available	ADJ
ajoaa-1378	13	12	and	and	CCONJ
ajoaa-1378	13	13	strengthening	strengthen	VERB
ajoaa-1378	13	14	the	the	DET
ajoaa-1378	13	15	capacity	capacity	NOUN
ajoaa-1378	13	16	of	of	ADP
ajoaa-1378	13	17	credit	credit	NOUN
ajoaa-1378	13	18	officers	officer	NOUN
ajoaa-1378	13	19	who	who	PRON
ajoaa-1378	13	20	are	be	AUX
ajoaa-1378	13	21	duty	duty	NOUN
ajoaa-1378	13	22	bond	bond	NOUN
ajoaa-1378	13	23	to	to	PART
ajoaa-1378	13	24	deliver	deliver	VERB
ajoaa-1378	13	25	credit	credit	NOUN
ajoaa-1378	13	26	at	at	ADP
ajoaa-1378	13	27	the	the	DET
ajoaa-1378	13	28	rural	rural	ADJ
ajoaa-1378	13	29	level	level	NOUN
ajoaa-1378	13	30	.	.	PUNCT
ajoaa-1378	14	1	credit	credit	NOUN
ajoaa-1378	14	2	officers	officer	NOUN
ajoaa-1378	14	3	of	of	ADP
ajoaa-1378	14	4	mfbs	mfbs	PROPN
ajoaa-1378	14	5	are	be	AUX
ajoaa-1378	14	6	financial	financial	ADJ
ajoaa-1378	14	7	and	and	CCONJ
ajoaa-1378	14	8	education	education	NOUN
ajoaa-1378	14	9	providers	provider	NOUN
ajoaa-1378	14	10	to	to	ADP
ajoaa-1378	14	11	farmers	farmer	NOUN
ajoaa-1378	14	12	.	.	PUNCT
ajoaa-1378	15	1	using	use	VERB
ajoaa-1378	15	2	the	the	DET
ajoaa-1378	15	3	most	most	ADV
ajoaa-1378	15	4	effective	effective	ADJ
ajoaa-1378	15	5	and	and	CCONJ
ajoaa-1378	15	6	efficient	efficient	ADJ
ajoaa-1378	15	7	operational	operational	ADJ
ajoaa-1378	15	8	strategy	strategy	NOUN
ajoaa-1378	15	9	,	,	PUNCT
ajoaa-1378	15	10	this	this	PRON
ajoaa-1378	15	11	is	be	AUX
ajoaa-1378	15	12	to	to	PART
ajoaa-1378	15	13	provide	provide	VERB
ajoaa-1378	15	14	the	the	DET
ajoaa-1378	15	15	link	link	NOUN
ajoaa-1378	15	16	between	between	ADP
ajoaa-1378	15	17	sources	source	NOUN
ajoaa-1378	15	18	of	of	ADP
ajoaa-1378	15	19	knowledge	knowledge	NOUN
ajoaa-1378	15	20	,	,	PUNCT
ajoaa-1378	15	21	information	information	NOUN
ajoaa-1378	15	22	and	and	CCONJ
ajoaa-1378	15	23	financial	financial	ADJ
ajoaa-1378	15	24	benefit	benefit	NOUN
ajoaa-1378	15	25	,	,	PUNCT
ajoaa-1378	15	26	inform	inform	NOUN
ajoaa-1378	15	27	of	of	ADP
ajoaa-1378	15	28	loan	loan	NOUN
ajoaa-1378	15	29	disbursement	disbursement	NOUN
ajoaa-1378	15	30	to	to	ADP
ajoaa-1378	15	31	the	the	DET
ajoaa-1378	15	32	beneficiaries	beneficiary	NOUN
ajoaa-1378	15	33	.	.	PUNCT
ajoaa-1378	16	1	the	the	DET
ajoaa-1378	16	2	knowledge	knowledge	NOUN
ajoaa-1378	16	3	provided	provide	VERB
ajoaa-1378	16	4	by	by	ADP
ajoaa-1378	16	5	the	the	DET
ajoaa-1378	16	6	credit	credit	NOUN
ajoaa-1378	16	7	officers	officer	NOUN
ajoaa-1378	16	8	must	must	AUX
ajoaa-1378	16	9	be	be	AUX
ajoaa-1378	16	10	processed	process	VERB
ajoaa-1378	16	11	into	into	ADP
ajoaa-1378	16	12	forms	form	NOUN
ajoaa-1378	16	13	useable	useable	ADJ
ajoaa-1378	16	14	and	and	CCONJ
ajoaa-1378	16	15	adaptable	adaptable	ADJ
ajoaa-1378	16	16	to	to	PART
ajoaa-1378	16	17	appropriate	appropriate	VERB
ajoaa-1378	16	18	local	local	ADJ
ajoaa-1378	16	19	conditions	condition	NOUN
ajoaa-1378	16	20	(	(	PUNCT
ajoaa-1378	16	21	umebali	umebali	ADJ
ajoaa-1378	16	22	,	,	PUNCT
ajoaa-1378	16	23	2004	2004	NUM
ajoaa-1378	16	24	)	)	PUNCT
ajoaa-1378	16	25	.	.	PUNCT
ajoaa-1378	17	1	micro	micro	PROPN
ajoaa-1378	17	2	finance	finance	NOUN
ajoaa-1378	17	3	banks	bank	NOUN
ajoaa-1378	17	4	embark	embark	VERB
ajoaa-1378	17	5	on	on	ADP
ajoaa-1378	17	6	various	various	ADJ
ajoaa-1378	17	7	initiatives	initiative	NOUN
ajoaa-1378	17	8	to	to	PART
ajoaa-1378	17	9	strengthen	strengthen	VERB
ajoaa-1378	17	10	their	their	PRON
ajoaa-1378	17	11	credit	credit	NOUN
ajoaa-1378	17	12	delivery	delivery	NOUN
ajoaa-1378	17	13	structure	structure	NOUN
ajoaa-1378	17	14	at	at	ADP
ajoaa-1378	17	15	the	the	DET
ajoaa-1378	17	16	local	local	ADJ
ajoaa-1378	17	17	levels	level	NOUN
ajoaa-1378	17	18	.	.	PUNCT
ajoaa-1378	18	1	giving	give	VERB
ajoaa-1378	18	2	its	its	PRON
ajoaa-1378	18	3	credit	credit	NOUN
ajoaa-1378	18	4	officers	officer	NOUN
ajoaa-1378	18	5	the	the	DET
ajoaa-1378	18	6	required	require	VERB
ajoaa-1378	18	7	personnel	personnel	NOUN
ajoaa-1378	18	8	management	management	NOUN
ajoaa-1378	18	9	corresponding	correspond	VERB
ajoaa-1378	18	10	author	author	NOUN
ajoaa-1378	18	11	’s	’s	PART
ajoaa-1378	18	12	name	name	NOUN
ajoaa-1378	18	13	:	:	PUNCT
ajoaa-1378	18	14	onugu	onugu	PROPN
ajoaa-1378	18	15	,	,	PUNCT
ajoaa-1378	18	16	charles	charles	PROPN
ajoaa-1378	18	17	uchenna	uchenna	PROPN
ajoaa-1378	18	18	email	email	NOUN
ajoaa-1378	18	19	address	address	NOUN
ajoaa-1378	18	20	:	:	PUNCT
ajoaa-1378	18	21	taiwo2020@yahoo.com	taiwo2020@yahoo.com	X
ajoaa-1378	18	22	asian	asian	PROPN
ajoaa-1378	18	23	journal	journal	PROPN
ajoaa-1378	18	24	of	of	ADP
ajoaa-1378	18	25	agriculture	agriculture	NOUN
ajoaa-1378	18	26	and	and	CCONJ
ajoaa-1378	18	27	rural	rural	ADJ
ajoaa-1378	18	28	development	development	PROPN
ajoaa-1378	18	29	journal	journal	PROPN
ajoaa-1378	18	30	homepage	homepage	NOUN
ajoaa-1378	18	31	:	:	PUNCT
ajoaa-1378	18	32	http://aessweb.com/journal-detail.php?id=5005	http://aessweb.com/journal-detail.php?id=5005	PROPN
ajoaa-1378	18	33	mailto:taiwo2020@yahoo.com	mailto:taiwo2020@yahoo.com	PROPN
ajoaa-1378	18	34	asian	asian	PROPN
ajoaa-1378	18	35	journal	journal	PROPN
ajoaa-1378	18	36	of	of	ADP
ajoaa-1378	18	37	agriculture	agriculture	NOUN
ajoaa-1378	18	38	and	and	CCONJ
ajoaa-1378	18	39	rural	rural	ADJ
ajoaa-1378	18	40	development	development	NOUN
ajoaa-1378	18	41	,	,	PUNCT
ajoaa-1378	18	42	5(2)2015	5(2)2015	NUM
ajoaa-1378	18	43	:	:	PUNCT
ajoaa-1378	18	44	42	42	NUM
ajoaa-1378	18	45	-	-	SYM
ajoaa-1378	18	46	52	52	NUM
ajoaa-1378	18	47	43	43	NUM
ajoaa-1378	18	48	with	with	ADP
ajoaa-1378	18	49	emphasis	emphasis	NOUN
ajoaa-1378	18	50	on	on	ADP
ajoaa-1378	18	51	manpower	manpower	NOUN
ajoaa-1378	18	52	planning	planning	NOUN
ajoaa-1378	18	53	,	,	PUNCT
ajoaa-1378	18	54	training	training	NOUN
ajoaa-1378	18	55	and	and	CCONJ
ajoaa-1378	18	56	development	development	NOUN
ajoaa-1378	18	57	is	be	AUX
ajoaa-1378	18	58	key	key	ADJ
ajoaa-1378	18	59	to	to	ADP
ajoaa-1378	18	60	their	their	PRON
ajoaa-1378	18	61	performance	performance	NOUN
ajoaa-1378	18	62	.	.	PUNCT
ajoaa-1378	19	1	the	the	DET
ajoaa-1378	19	2	effect	effect	NOUN
ajoaa-1378	19	3	of	of	ADP
ajoaa-1378	19	4	the	the	DET
ajoaa-1378	19	5	personnel	personnel	NOUN
ajoaa-1378	19	6	management	management	NOUN
ajoaa-1378	19	7	on	on	ADP
ajoaa-1378	19	8	credit	credit	NOUN
ajoaa-1378	19	9	officer	officer	NOUN
ajoaa-1378	19	10	of	of	ADP
ajoaa-1378	19	11	mfbs	mfbs	PROPN
ajoaa-1378	19	12	is	be	AUX
ajoaa-1378	19	13	because	because	SCONJ
ajoaa-1378	19	14	their	their	PRON
ajoaa-1378	19	15	duties	duty	NOUN
ajoaa-1378	19	16	require	require	VERB
ajoaa-1378	19	17	an	an	DET
ajoaa-1378	19	18	active	active	ADJ
ajoaa-1378	19	19	participation	participation	NOUN
ajoaa-1378	19	20	in	in	ADP
ajoaa-1378	19	21	training	training	NOUN
ajoaa-1378	19	22	,	,	PUNCT
ajoaa-1378	19	23	decisions	decision	NOUN
ajoaa-1378	19	24	and	and	CCONJ
ajoaa-1378	19	25	program	program	NOUN
ajoaa-1378	19	26	involving	involve	VERB
ajoaa-1378	19	27	appropriate	appropriate	ADJ
ajoaa-1378	19	28	disbursement	disbursement	NOUN
ajoaa-1378	19	29	and	and	CCONJ
ajoaa-1378	19	30	use	use	NOUN
ajoaa-1378	19	31	of	of	ADP
ajoaa-1378	19	32	credit	credit	NOUN
ajoaa-1378	19	33	by	by	ADP
ajoaa-1378	19	34	beneficiaries	beneficiary	NOUN
ajoaa-1378	19	35	(	(	PUNCT
ajoaa-1378	19	36	anyanwu	anyanwu	ADJ
ajoaa-1378	19	37	,	,	PUNCT
ajoaa-1378	19	38	1998	1998	NUM
ajoaa-1378	19	39	)	)	PUNCT
ajoaa-1378	19	40	.	.	PUNCT
ajoaa-1378	20	1	the	the	DET
ajoaa-1378	20	2	question	question	NOUN
ajoaa-1378	20	3	is	be	AUX
ajoaa-1378	20	4	how	how	SCONJ
ajoaa-1378	20	5	and	and	CCONJ
ajoaa-1378	20	6	where	where	SCONJ
ajoaa-1378	20	7	does	do	AUX
ajoaa-1378	20	8	credit	credit	NOUN
ajoaa-1378	20	9	officer	officer	NOUN
ajoaa-1378	20	10	of	of	ADP
ajoaa-1378	20	11	microfinance	microfinance	NOUN
ajoaa-1378	20	12	banks	bank	NOUN
ajoaa-1378	20	13	feature	feature	VERB
ajoaa-1378	20	14	in	in	ADP
ajoaa-1378	20	15	rural	rural	ADJ
ajoaa-1378	20	16	credit	credit	NOUN
ajoaa-1378	20	17	administration	administration	NOUN
ajoaa-1378	20	18	?	?	PUNCT
ajoaa-1378	21	1	in	in	ADP
ajoaa-1378	21	2	answering	answer	VERB
ajoaa-1378	21	3	this	this	DET
ajoaa-1378	21	4	question	question	NOUN
ajoaa-1378	21	5	,	,	PUNCT
ajoaa-1378	21	6	we	we	PRON
ajoaa-1378	21	7	should	should	AUX
ajoaa-1378	21	8	place	place	VERB
ajoaa-1378	21	9	credit	credit	NOUN
ajoaa-1378	21	10	officer	officer	NOUN
ajoaa-1378	21	11	of	of	ADP
ajoaa-1378	21	12	mfbs	mfbs	NOUN
ajoaa-1378	21	13	in	in	ADP
ajoaa-1378	21	14	its	its	PRON
ajoaa-1378	21	15	traditional	traditional	ADJ
ajoaa-1378	21	16	position	position	NOUN
ajoaa-1378	21	17	in	in	ADP
ajoaa-1378	21	18	-	-	PUNCT
ajoaa-1378	21	19	between	between	ADP
ajoaa-1378	21	20	the	the	DET
ajoaa-1378	21	21	credit	credit	NOUN
ajoaa-1378	21	22	source	source	NOUN
ajoaa-1378	21	23	and	and	CCONJ
ajoaa-1378	21	24	the	the	DET
ajoaa-1378	21	25	credit	credit	NOUN
ajoaa-1378	21	26	user	user	NOUN
ajoaa-1378	21	27	.	.	PUNCT
ajoaa-1378	22	1	extension	extension	NOUN
ajoaa-1378	22	2	service	service	NOUN
ajoaa-1378	22	3	needs	need	NOUN
ajoaa-1378	22	4	of	of	ADP
ajoaa-1378	22	5	micro	micro	ADJ
ajoaa-1378	22	6	finance	finance	NOUN
ajoaa-1378	22	7	banks	bank	NOUN
ajoaa-1378	22	8	play	play	VERB
ajoaa-1378	22	9	a	a	DET
ajoaa-1378	22	10	supporting	support	VERB
ajoaa-1378	22	11	role	role	NOUN
ajoaa-1378	22	12	in	in	ADP
ajoaa-1378	22	13	credit	credit	NOUN
ajoaa-1378	22	14	procurement	procurement	NOUN
ajoaa-1378	22	15	,	,	PUNCT
ajoaa-1378	22	16	credit	credit	NOUN
ajoaa-1378	22	17	disbursement	disbursement	NOUN
ajoaa-1378	22	18	,	,	PUNCT
ajoaa-1378	22	19	and	and	CCONJ
ajoaa-1378	22	20	use	use	NOUN
ajoaa-1378	22	21	of	of	ADP
ajoaa-1378	22	22	credit	credit	NOUN
ajoaa-1378	22	23	as	as	ADV
ajoaa-1378	22	24	well	well	ADV
ajoaa-1378	22	25	as	as	ADP
ajoaa-1378	22	26	repayment	repayment	NOUN
ajoaa-1378	22	27	of	of	ADP
ajoaa-1378	22	28	credit	credit	NOUN
ajoaa-1378	22	29	.	.	PUNCT
ajoaa-1378	23	1	umebali	umebali	PROPN
ajoaa-1378	23	2	(	(	PUNCT
ajoaa-1378	23	3	2004	2004	NUM
ajoaa-1378	23	4	)	)	PUNCT
ajoaa-1378	23	5	is	be	AUX
ajoaa-1378	23	6	of	of	ADP
ajoaa-1378	23	7	the	the	DET
ajoaa-1378	23	8	view	view	NOUN
ajoaa-1378	23	9	that	that	SCONJ
ajoaa-1378	23	10	credit	credit	NOUN
ajoaa-1378	23	11	officers	officer	NOUN
ajoaa-1378	23	12	of	of	ADP
ajoaa-1378	23	13	micro	micro	PROPN
ajoaa-1378	23	14	finance	finance	NOUN
ajoaa-1378	23	15	banks	bank	NOUN
ajoaa-1378	23	16	have	have	AUX
ajoaa-1378	23	17	some	some	DET
ajoaa-1378	23	18	vital	vital	ADJ
ajoaa-1378	23	19	role	role	NOUN
ajoaa-1378	23	20	to	to	PART
ajoaa-1378	23	21	play	play	VERB
ajoaa-1378	23	22	as	as	ADP
ajoaa-1378	23	23	an	an	DET
ajoaa-1378	23	24	extension	extension	NOUN
ajoaa-1378	23	25	agents	agent	NOUN
ajoaa-1378	23	26	and	and	CCONJ
ajoaa-1378	23	27	these	these	DET
ajoaa-1378	23	28	role	role	NOUN
ajoaa-1378	23	29	include	include	VERB
ajoaa-1378	23	30	to	to	PART
ajoaa-1378	23	31	help	help	VERB
ajoaa-1378	23	32	farmer	farmer	NOUN
ajoaa-1378	23	33	identify	identify	VERB
ajoaa-1378	23	34	and	and	CCONJ
ajoaa-1378	23	35	plan	plan	VERB
ajoaa-1378	23	36	prospective	prospective	ADJ
ajoaa-1378	23	37	viable	viable	ADJ
ajoaa-1378	23	38	projects	project	NOUN
ajoaa-1378	23	39	;	;	PUNCT
ajoaa-1378	23	40	help	help	VERB
ajoaa-1378	23	41	farmers	farmer	NOUN
ajoaa-1378	23	42	assess	assess	VERB
ajoaa-1378	23	43	their	their	PRON
ajoaa-1378	23	44	credit	credit	NOUN
ajoaa-1378	23	45	worthiness	worthiness	NOUN
ajoaa-1378	23	46	and	and	CCONJ
ajoaa-1378	23	47	also	also	ADV
ajoaa-1378	23	48	assist	assist	VERB
ajoaa-1378	23	49	beneficiaries	beneficiary	NOUN
ajoaa-1378	23	50	to	to	PART
ajoaa-1378	23	51	make	make	VERB
ajoaa-1378	23	52	profitable	profitable	ADJ
ajoaa-1378	23	53	economic	economic	ADJ
ajoaa-1378	23	54	decisions	decision	NOUN
ajoaa-1378	23	55	;	;	PUNCT
ajoaa-1378	23	56	they	they	PRON
ajoaa-1378	23	57	create	create	VERB
ajoaa-1378	23	58	awareness	awareness	NOUN
ajoaa-1378	23	59	campaigns	campaign	NOUN
ajoaa-1378	23	60	to	to	PART
ajoaa-1378	23	61	inform	inform	VERB
ajoaa-1378	23	62	client	client	NOUN
ajoaa-1378	23	63	about	about	ADP
ajoaa-1378	23	64	credit	credit	NOUN
ajoaa-1378	23	65	sources	source	NOUN
ajoaa-1378	23	66	and	and	CCONJ
ajoaa-1378	23	67	conditions	condition	NOUN
ajoaa-1378	23	68	for	for	ADP
ajoaa-1378	23	69	obtaining	obtain	VERB
ajoaa-1378	23	70	credit	credit	NOUN
ajoaa-1378	23	71	;	;	PUNCT
ajoaa-1378	23	72	and	and	CCONJ
ajoaa-1378	23	73	,	,	PUNCT
ajoaa-1378	23	74	help	help	VERB
ajoaa-1378	23	75	to	to	PART
ajoaa-1378	23	76	stimulate	stimulate	VERB
ajoaa-1378	23	77	group	group	NOUN
ajoaa-1378	23	78	action	action	NOUN
ajoaa-1378	23	79	through	through	ADP
ajoaa-1378	23	80	their	their	PRON
ajoaa-1378	23	81	instructions	instruction	NOUN
ajoaa-1378	23	82	on	on	ADP
ajoaa-1378	23	83	the	the	DET
ajoaa-1378	23	84	principles	principle	NOUN
ajoaa-1378	23	85	and	and	CCONJ
ajoaa-1378	23	86	practices	practice	NOUN
ajoaa-1378	23	87	of	of	ADP
ajoaa-1378	23	88	group	group	NOUN
ajoaa-1378	23	89	formations	formation	NOUN
ajoaa-1378	23	90	.	.	PUNCT
ajoaa-1378	24	1	also	also	ADV
ajoaa-1378	24	2	,	,	PUNCT
ajoaa-1378	24	3	anyanwu	anyanwu	PROPN
ajoaa-1378	24	4	(	(	PUNCT
ajoaa-1378	24	5	1998	1998	NUM
ajoaa-1378	24	6	)	)	PUNCT
ajoaa-1378	24	7	opined	opine	VERB
ajoaa-1378	24	8	that	that	SCONJ
ajoaa-1378	24	9	credit	credit	NOUN
ajoaa-1378	24	10	officers	officer	NOUN
ajoaa-1378	24	11	play	play	VERB
ajoaa-1378	24	12	crucial	crucial	ADJ
ajoaa-1378	24	13	extension	extension	NOUN
ajoaa-1378	24	14	role	role	NOUN
ajoaa-1378	24	15	by	by	ADP
ajoaa-1378	24	16	informing	inform	VERB
ajoaa-1378	24	17	farmers	farmer	NOUN
ajoaa-1378	24	18	on	on	ADP
ajoaa-1378	24	19	the	the	DET
ajoaa-1378	24	20	dynamics	dynamic	NOUN
ajoaa-1378	24	21	of	of	ADP
ajoaa-1378	24	22	group	group	NOUN
ajoaa-1378	24	23	behaviors	behavior	NOUN
ajoaa-1378	24	24	’	'	PUNCT
ajoaa-1378	24	25	,	,	PUNCT
ajoaa-1378	24	26	theories	theory	NOUN
ajoaa-1378	24	27	and	and	CCONJ
ajoaa-1378	24	28	principles	principle	NOUN
ajoaa-1378	24	29	of	of	ADP
ajoaa-1378	24	30	group	group	NOUN
ajoaa-1378	24	31	formation	formation	NOUN
ajoaa-1378	24	32	and	and	CCONJ
ajoaa-1378	24	33	the	the	DET
ajoaa-1378	24	34	need	need	NOUN
ajoaa-1378	24	35	for	for	ADP
ajoaa-1378	24	36	effective	effective	ADJ
ajoaa-1378	24	37	management	management	NOUN
ajoaa-1378	24	38	of	of	ADP
ajoaa-1378	24	39	the	the	DET
ajoaa-1378	24	40	group	group	NOUN
ajoaa-1378	24	41	.	.	PUNCT
ajoaa-1378	25	1	therefore	therefore	ADV
ajoaa-1378	25	2	,	,	PUNCT
ajoaa-1378	25	3	in	in	ADP
ajoaa-1378	25	4	order	order	NOUN
ajoaa-1378	25	5	to	to	PART
ajoaa-1378	25	6	make	make	VERB
ajoaa-1378	25	7	credit	credit	NOUN
ajoaa-1378	25	8	attractive	attractive	ADJ
ajoaa-1378	25	9	and	and	CCONJ
ajoaa-1378	25	10	more	more	ADV
ajoaa-1378	25	11	productive	productive	ADJ
ajoaa-1378	25	12	,	,	PUNCT
ajoaa-1378	25	13	the	the	DET
ajoaa-1378	25	14	mfbs	mfbs	NOUN
ajoaa-1378	25	15	will	will	AUX
ajoaa-1378	25	16	begin	begin	VERB
ajoaa-1378	25	17	the	the	DET
ajoaa-1378	25	18	implementation	implementation	NOUN
ajoaa-1378	25	19	of	of	ADP
ajoaa-1378	25	20	necessary	necessary	ADJ
ajoaa-1378	25	21	capacity	capacity	NOUN
ajoaa-1378	25	22	building	building	NOUN
ajoaa-1378	25	23	programmes	programme	NOUN
ajoaa-1378	25	24	and	and	CCONJ
ajoaa-1378	25	25	motivational	motivational	ADJ
ajoaa-1378	25	26	activities	activity	NOUN
ajoaa-1378	25	27	that	that	PRON
ajoaa-1378	25	28	will	will	AUX
ajoaa-1378	25	29	boost	boost	VERB
ajoaa-1378	25	30	productivity	productivity	NOUN
ajoaa-1378	25	31	and	and	CCONJ
ajoaa-1378	25	32	zeal	zeal	NOUN
ajoaa-1378	25	33	of	of	ADP
ajoaa-1378	25	34	credit	credit	NOUN
ajoaa-1378	25	35	officers	officer	NOUN
ajoaa-1378	25	36	of	of	ADP
ajoaa-1378	25	37	mfbs	mfbs	PROPN
ajoaa-1378	25	38	so	so	SCONJ
ajoaa-1378	25	39	as	as	SCONJ
ajoaa-1378	25	40	to	to	PART
ajoaa-1378	25	41	have	have	VERB
ajoaa-1378	25	42	passion	passion	NOUN
ajoaa-1378	25	43	and	and	CCONJ
ajoaa-1378	25	44	competence	competence	NOUN
ajoaa-1378	25	45	in	in	ADP
ajoaa-1378	25	46	effective	effective	ADJ
ajoaa-1378	25	47	service	service	NOUN
ajoaa-1378	25	48	delivery	delivery	NOUN
ajoaa-1378	25	49	as	as	ADP
ajoaa-1378	25	50	rural	rural	ADJ
ajoaa-1378	25	51	finance	finance	NOUN
ajoaa-1378	25	52	intermediations	intermediation	NOUN
ajoaa-1378	25	53	and	and	CCONJ
ajoaa-1378	25	54	as	as	ADP
ajoaa-1378	25	55	such	such	ADJ
ajoaa-1378	25	56	improve	improve	VERB
ajoaa-1378	25	57	the	the	DET
ajoaa-1378	25	58	economic	economic	ADJ
ajoaa-1378	25	59	development	development	NOUN
ajoaa-1378	25	60	of	of	ADP
ajoaa-1378	25	61	the	the	DET
ajoaa-1378	25	62	rural	rural	ADJ
ajoaa-1378	25	63	areas	area	NOUN
ajoaa-1378	25	64	as	as	ADV
ajoaa-1378	25	65	well	well	ADV
ajoaa-1378	25	66	as	as	ADP
ajoaa-1378	25	67	improve	improve	VERB
ajoaa-1378	25	68	the	the	DET
ajoaa-1378	25	69	livelihood	livelihood	NOUN
ajoaa-1378	25	70	of	of	ADP
ajoaa-1378	25	71	its	its	PRON
ajoaa-1378	25	72	populace	populace	NOUN
ajoaa-1378	25	73	.	.	PUNCT
ajoaa-1378	26	1	majority	majority	NOUN
ajoaa-1378	26	2	of	of	ADP
ajoaa-1378	26	3	credit	credit	NOUN
ajoaa-1378	26	4	officers	officer	NOUN
ajoaa-1378	26	5	of	of	ADP
ajoaa-1378	26	6	microfinance	microfinance	NOUN
ajoaa-1378	26	7	banks	bank	NOUN
ajoaa-1378	26	8	do	do	AUX
ajoaa-1378	26	9	really	really	ADV
ajoaa-1378	26	10	understand	understand	VERB
ajoaa-1378	26	11	their	their	PRON
ajoaa-1378	26	12	roles	role	NOUN
ajoaa-1378	26	13	but	but	CCONJ
ajoaa-1378	26	14	do	do	AUX
ajoaa-1378	26	15	not	not	PART
ajoaa-1378	26	16	give	give	VERB
ajoaa-1378	26	17	members	member	NOUN
ajoaa-1378	26	18	of	of	ADP
ajoaa-1378	26	19	rural	rural	ADJ
ajoaa-1378	26	20	communities	community	NOUN
ajoaa-1378	26	21	the	the	DET
ajoaa-1378	26	22	required	require	VERB
ajoaa-1378	26	23	information	information	NOUN
ajoaa-1378	26	24	and	and	CCONJ
ajoaa-1378	26	25	basic	basic	ADJ
ajoaa-1378	26	26	services	service	NOUN
ajoaa-1378	26	27	that	that	PRON
ajoaa-1378	26	28	will	will	AUX
ajoaa-1378	26	29	sustain	sustain	VERB
ajoaa-1378	26	30	their	their	PRON
ajoaa-1378	26	31	economic	economic	ADJ
ajoaa-1378	26	32	empowerment	empowerment	NOUN
ajoaa-1378	26	33	(	(	PUNCT
ajoaa-1378	26	34	ahmed	ahme	VERB
ajoaa-1378	26	35	,	,	PUNCT
ajoaa-1378	26	36	2008	2008	NUM
ajoaa-1378	26	37	)	)	PUNCT
ajoaa-1378	26	38	.	.	PUNCT
ajoaa-1378	27	1	and	and	CCONJ
ajoaa-1378	27	2	there	there	PRON
ajoaa-1378	27	3	are	be	VERB
ajoaa-1378	27	4	challenges	challenge	NOUN
ajoaa-1378	27	5	faced	face	VERB
ajoaa-1378	27	6	by	by	ADP
ajoaa-1378	27	7	these	these	DET
ajoaa-1378	27	8	rural	rural	ADJ
ajoaa-1378	27	9	dwellers	dweller	NOUN
ajoaa-1378	27	10	especially	especially	ADV
ajoaa-1378	27	11	farmers	farmer	NOUN
ajoaa-1378	27	12	of	of	ADP
ajoaa-1378	27	13	which	which	PRON
ajoaa-1378	27	14	they	they	PRON
ajoaa-1378	27	15	require	require	VERB
ajoaa-1378	27	16	credit	credit	NOUN
ajoaa-1378	27	17	-	-	PUNCT
ajoaa-1378	27	18	assistance	assistance	NOUN
ajoaa-1378	27	19	from	from	ADP
ajoaa-1378	27	20	micro	micro	ADJ
ajoaa-1378	27	21	finance	finance	NOUN
ajoaa-1378	27	22	banks	bank	NOUN
ajoaa-1378	27	23	through	through	ADP
ajoaa-1378	27	24	the	the	DET
ajoaa-1378	27	25	intermediation	intermediation	NOUN
ajoaa-1378	27	26	of	of	ADP
ajoaa-1378	27	27	their	their	PRON
ajoaa-1378	27	28	credit	credit	NOUN
ajoaa-1378	27	29	officers	officer	NOUN
ajoaa-1378	27	30	who	who	PRON
ajoaa-1378	27	31	are	be	AUX
ajoaa-1378	27	32	employed	employ	VERB
ajoaa-1378	27	33	to	to	PART
ajoaa-1378	27	34	bring	bring	VERB
ajoaa-1378	27	35	change	change	NOUN
ajoaa-1378	27	36	through	through	ADP
ajoaa-1378	27	37	appropriate	appropriate	ADJ
ajoaa-1378	27	38	dissemination	dissemination	NOUN
ajoaa-1378	27	39	of	of	ADP
ajoaa-1378	27	40	required	require	VERB
ajoaa-1378	27	41	information	information	NOUN
ajoaa-1378	27	42	relevant	relevant	ADJ
ajoaa-1378	27	43	to	to	ADP
ajoaa-1378	27	44	the	the	DET
ajoaa-1378	27	45	beneficiaries	beneficiary	NOUN
ajoaa-1378	27	46	clients	client	NOUN
ajoaa-1378	27	47	,	,	PUNCT
ajoaa-1378	27	48	for	for	ADP
ajoaa-1378	27	49	efficient	efficient	ADJ
ajoaa-1378	27	50	productivity	productivity	NOUN
ajoaa-1378	27	51	.	.	PUNCT
ajoaa-1378	28	1	the	the	DET
ajoaa-1378	28	2	fact	fact	NOUN
ajoaa-1378	28	3	is	be	AUX
ajoaa-1378	28	4	that	that	SCONJ
ajoaa-1378	28	5	micro	micro	PROPN
ajoaa-1378	28	6	finance	finance	NOUN
ajoaa-1378	28	7	banks	bank	NOUN
ajoaa-1378	28	8	are	be	AUX
ajoaa-1378	28	9	agents	agent	NOUN
ajoaa-1378	28	10	of	of	ADP
ajoaa-1378	28	11	rural	rural	ADJ
ajoaa-1378	28	12	development	development	NOUN
ajoaa-1378	28	13	,	,	PUNCT
ajoaa-1378	28	14	through	through	ADP
ajoaa-1378	28	15	their	their	PRON
ajoaa-1378	28	16	credit	credit	NOUN
ajoaa-1378	28	17	officers	officer	NOUN
ajoaa-1378	28	18	,	,	PUNCT
ajoaa-1378	28	19	by	by	ADP
ajoaa-1378	28	20	assisting	assist	VERB
ajoaa-1378	28	21	rural	rural	ADJ
ajoaa-1378	28	22	dwellers	dweller	NOUN
ajoaa-1378	28	23	who	who	PRON
ajoaa-1378	28	24	are	be	AUX
ajoaa-1378	28	25	trapped	trap	VERB
ajoaa-1378	28	26	in	in	ADP
ajoaa-1378	28	27	poverty	poverty	NOUN
ajoaa-1378	28	28	and	and	CCONJ
ajoaa-1378	28	29	isolated	isolate	VERB
ajoaa-1378	28	30	with	with	ADP
ajoaa-1378	28	31	low	low	ADJ
ajoaa-1378	28	32	per	per	ADP
ajoaa-1378	28	33	capita	capita	NOUN
ajoaa-1378	28	34	income	income	NOUN
ajoaa-1378	28	35	.	.	PUNCT
ajoaa-1378	29	1	but	but	CCONJ
ajoaa-1378	29	2	in	in	ADP
ajoaa-1378	29	3	the	the	DET
ajoaa-1378	29	4	view	view	NOUN
ajoaa-1378	29	5	of	of	ADP
ajoaa-1378	29	6	anyanwu	anyanwu	NOUN
ajoaa-1378	29	7	(	(	PUNCT
ajoaa-1378	29	8	1998	1998	NUM
ajoaa-1378	29	9	)	)	PUNCT
ajoaa-1378	29	10	,	,	PUNCT
ajoaa-1378	29	11	the	the	DET
ajoaa-1378	29	12	failure	failure	NOUN
ajoaa-1378	29	13	of	of	ADP
ajoaa-1378	29	14	credit	credit	NOUN
ajoaa-1378	29	15	officers	officer	NOUN
ajoaa-1378	29	16	of	of	ADP
ajoaa-1378	29	17	micro	micro	PROPN
ajoaa-1378	29	18	finance	finance	NOUN
ajoaa-1378	29	19	banks	bank	NOUN
ajoaa-1378	29	20	to	to	PART
ajoaa-1378	29	21	exercise	exercise	VERB
ajoaa-1378	29	22	effective	effective	ADJ
ajoaa-1378	29	23	service	service	NOUN
ajoaa-1378	29	24	delivery	delivery	NOUN
ajoaa-1378	29	25	to	to	ADP
ajoaa-1378	29	26	its	its	PRON
ajoaa-1378	29	27	clients	client	NOUN
ajoaa-1378	29	28	has	have	AUX
ajoaa-1378	29	29	caused	cause	VERB
ajoaa-1378	29	30	a	a	DET
ajoaa-1378	29	31	negative	negative	ADJ
ajoaa-1378	29	32	down	down	NOUN
ajoaa-1378	29	33	-	-	PUNCT
ajoaa-1378	29	34	turn	turn	NOUN
ajoaa-1378	29	35	in	in	ADP
ajoaa-1378	29	36	the	the	DET
ajoaa-1378	29	37	rural	rural	ADJ
ajoaa-1378	29	38	economy	economy	NOUN
ajoaa-1378	29	39	which	which	PRON
ajoaa-1378	29	40	also	also	ADV
ajoaa-1378	29	41	made	make	VERB
ajoaa-1378	29	42	negative	negative	ADJ
ajoaa-1378	29	43	impact	impact	NOUN
ajoaa-1378	29	44	on	on	ADP
ajoaa-1378	29	45	the	the	DET
ajoaa-1378	29	46	financing	financing	NOUN
ajoaa-1378	29	47	of	of	ADP
ajoaa-1378	29	48	rural	rural	ADJ
ajoaa-1378	29	49	economy	economy	NOUN
ajoaa-1378	29	50	especially	especially	ADV
ajoaa-1378	29	51	rural	rural	ADJ
ajoaa-1378	29	52	populace	populace	NOUN
ajoaa-1378	29	53	whose	whose	DET
ajoaa-1378	29	54	majority	majority	NOUN
ajoaa-1378	29	55	of	of	ADP
ajoaa-1378	29	56	are	be	AUX
ajoaa-1378	29	57	farmers	farmer	NOUN
ajoaa-1378	29	58	and	and	CCONJ
ajoaa-1378	29	59	other	other	ADJ
ajoaa-1378	29	60	rural	rural	ADJ
ajoaa-1378	29	61	small	small	ADJ
ajoaa-1378	29	62	scale	scale	NOUN
ajoaa-1378	29	63	enterprises	enterprise	NOUN
ajoaa-1378	29	64	.	.	PUNCT
ajoaa-1378	30	1	so	so	ADV
ajoaa-1378	30	2	in	in	ADP
ajoaa-1378	30	3	order	order	NOUN
ajoaa-1378	30	4	to	to	PART
ajoaa-1378	30	5	effectively	effectively	ADV
ajoaa-1378	30	6	actualize	actualize	VERB
ajoaa-1378	30	7	the	the	DET
ajoaa-1378	30	8	sustenance	sustenance	NOUN
ajoaa-1378	30	9	of	of	ADP
ajoaa-1378	30	10	increase	increase	NOUN
ajoaa-1378	30	11	in	in	ADP
ajoaa-1378	30	12	per	per	ADP
ajoaa-1378	30	13	capita	capita	NOUN
ajoaa-1378	30	14	income	income	NOUN
ajoaa-1378	30	15	,	,	PUNCT
ajoaa-1378	30	16	which	which	PRON
ajoaa-1378	30	17	is	be	AUX
ajoaa-1378	30	18	associated	associate	VERB
ajoaa-1378	30	19	with	with	ADP
ajoaa-1378	30	20	concomitant	concomitant	ADJ
ajoaa-1378	30	21	structural	structural	ADJ
ajoaa-1378	30	22	changes	change	NOUN
ajoaa-1378	30	23	in	in	ADP
ajoaa-1378	30	24	the	the	DET
ajoaa-1378	30	25	socio	socio	NOUN
ajoaa-1378	30	26	-	-	PUNCT
ajoaa-1378	30	27	economic	economic	ADJ
ajoaa-1378	30	28	sphere	sphere	NOUN
ajoaa-1378	30	29	of	of	ADP
ajoaa-1378	30	30	the	the	DET
ajoaa-1378	30	31	rural	rural	ADJ
ajoaa-1378	30	32	people	people	NOUN
ajoaa-1378	30	33	,	,	PUNCT
ajoaa-1378	30	34	credit	credit	NOUN
ajoaa-1378	30	35	officers	officer	NOUN
ajoaa-1378	30	36	of	of	ADP
ajoaa-1378	30	37	mfbs	mfbs	PROPN
ajoaa-1378	30	38	must	must	AUX
ajoaa-1378	30	39	undergo	undergo	VERB
ajoaa-1378	30	40	proper	proper	ADJ
ajoaa-1378	30	41	extension	extension	NOUN
ajoaa-1378	30	42	training	training	NOUN
ajoaa-1378	30	43	and	and	CCONJ
ajoaa-1378	30	44	possess	possess	VERB
ajoaa-1378	30	45	the	the	DET
ajoaa-1378	30	46	basic	basic	ADJ
ajoaa-1378	30	47	skills	skill	NOUN
ajoaa-1378	30	48	required	require	VERB
ajoaa-1378	30	49	for	for	ADP
ajoaa-1378	30	50	effective	effective	ADJ
ajoaa-1378	30	51	service	service	NOUN
ajoaa-1378	30	52	delivery	delivery	NOUN
ajoaa-1378	30	53	to	to	ADP
ajoaa-1378	30	54	the	the	DET
ajoaa-1378	30	55	rural	rural	ADJ
ajoaa-1378	30	56	dwellers	dweller	NOUN
ajoaa-1378	30	57	.	.	PUNCT
ajoaa-1378	31	1	there	there	PRON
ajoaa-1378	31	2	are	be	VERB
ajoaa-1378	31	3	numerous	numerous	ADJ
ajoaa-1378	31	4	constraints	constraint	NOUN
ajoaa-1378	31	5	that	that	PRON
ajoaa-1378	31	6	are	be	AUX
ajoaa-1378	31	7	hindering	hinder	VERB
ajoaa-1378	31	8	effective	effective	ADJ
ajoaa-1378	31	9	lending	lending	NOUN
ajoaa-1378	31	10	by	by	ADP
ajoaa-1378	31	11	mfbs	mfbs	NOUN
ajoaa-1378	31	12	through	through	ADP
ajoaa-1378	31	13	their	their	PRON
ajoaa-1378	31	14	credit	credit	NOUN
ajoaa-1378	31	15	officers	officer	NOUN
ajoaa-1378	31	16	.	.	PUNCT
ajoaa-1378	32	1	therefore	therefore	ADV
ajoaa-1378	32	2	,	,	PUNCT
ajoaa-1378	32	3	assessing	assess	VERB
ajoaa-1378	32	4	the	the	DET
ajoaa-1378	32	5	extension	extension	NOUN
ajoaa-1378	32	6	service	service	NOUN
ajoaa-1378	32	7	needs	need	NOUN
ajoaa-1378	32	8	of	of	ADP
ajoaa-1378	32	9	credit	credit	NOUN
ajoaa-1378	32	10	officers	officer	NOUN
ajoaa-1378	32	11	of	of	ADP
ajoaa-1378	32	12	mfbs	mfbs	PROPN
ajoaa-1378	32	13	is	be	AUX
ajoaa-1378	32	14	very	very	ADV
ajoaa-1378	32	15	crucial	crucial	ADJ
ajoaa-1378	32	16	to	to	ADP
ajoaa-1378	32	17	advancing	advance	VERB
ajoaa-1378	32	18	their	their	PRON
ajoaa-1378	32	19	effective	effective	ADJ
ajoaa-1378	32	20	intermediation	intermediation	NOUN
ajoaa-1378	32	21	in	in	ADP
ajoaa-1378	32	22	rural	rural	ADJ
ajoaa-1378	32	23	finance	finance	NOUN
ajoaa-1378	32	24	an	an	DET
ajoaa-1378	32	25	as	as	ADV
ajoaa-1378	32	26	such	such	ADJ
ajoaa-1378	32	27	,	,	PUNCT
ajoaa-1378	32	28	the	the	DET
ajoaa-1378	32	29	call	call	NOUN
ajoaa-1378	32	30	for	for	ADP
ajoaa-1378	32	31	the	the	DET
ajoaa-1378	32	32	study	study	NOUN
ajoaa-1378	32	33	.	.	PUNCT
ajoaa-1378	33	1	this	this	DET
ajoaa-1378	33	2	study	study	NOUN
ajoaa-1378	33	3	tried	try	VERB
ajoaa-1378	33	4	to	to	PART
ajoaa-1378	33	5	assess	assess	VERB
ajoaa-1378	33	6	the	the	DET
ajoaa-1378	33	7	extension	extension	NOUN
ajoaa-1378	33	8	service	service	NOUN
ajoaa-1378	33	9	needs	need	NOUN
ajoaa-1378	33	10	of	of	ADP
ajoaa-1378	33	11	credit	credit	NOUN
ajoaa-1378	33	12	officers	officer	NOUN
ajoaa-1378	33	13	of	of	ADP
ajoaa-1378	33	14	mfbs	mfbs	PROPN
ajoaa-1378	33	15	in	in	ADP
ajoaa-1378	33	16	anambra	anambra	PROPN
ajoaa-1378	33	17	state	state	PROPN
ajoaa-1378	33	18	of	of	ADP
ajoaa-1378	33	19	nigeria	nigeria	PROPN
ajoaa-1378	33	20	in	in	ADP
ajoaa-1378	33	21	which	which	PRON
ajoaa-1378	33	22	the	the	DET
ajoaa-1378	33	23	implication	implication	NOUN
ajoaa-1378	33	24	will	will	AUX
ajoaa-1378	33	25	serve	serve	VERB
ajoaa-1378	33	26	for	for	ADP
ajoaa-1378	33	27	rural	rural	ADJ
ajoaa-1378	33	28	finance	finance	NOUN
ajoaa-1378	33	29	intermediation	intermediation	NOUN
ajoaa-1378	33	30	.	.	PUNCT
ajoaa-1378	34	1	specifically	specifically	ADV
ajoaa-1378	34	2	,	,	PUNCT
ajoaa-1378	34	3	the	the	DET
ajoaa-1378	34	4	objectives	objective	NOUN
ajoaa-1378	34	5	are	be	AUX
ajoaa-1378	34	6	to	to	ADP
ajoaa-1378	34	7	:	:	PUNCT
ajoaa-1378	34	8			X
ajoaa-1378	34	9	examine	examine	VERB
ajoaa-1378	34	10	the	the	DET
ajoaa-1378	34	11	extent	extent	NOUN
ajoaa-1378	34	12	which	which	PRON
ajoaa-1378	34	13	the	the	DET
ajoaa-1378	34	14	credit	credit	NOUN
ajoaa-1378	34	15	officers	officer	NOUN
ajoaa-1378	34	16	are	be	AUX
ajoaa-1378	34	17	knowledgeable	knowledgeable	ADJ
ajoaa-1378	34	18	about	about	ADP
ajoaa-1378	34	19	credit	credit	NOUN
ajoaa-1378	34	20	extension	extension	NOUN
ajoaa-1378	34	21	services	service	NOUN
ajoaa-1378	34	22	of	of	ADP
ajoaa-1378	34	23	mfbs	mfbs	PROPN
ajoaa-1378	34	24	.	.	PUNCT
ajoaa-1378	35	1			PROPN
ajoaa-1378	36	1	assess	assess	NOUN
ajoaa-1378	36	2	credit	credit	NOUN
ajoaa-1378	36	3	officers	officer	NOUN
ajoaa-1378	36	4	level	level	NOUN
ajoaa-1378	36	5	of	of	ADP
ajoaa-1378	36	6	involvement	involvement	NOUN
ajoaa-1378	36	7	in	in	ADP
ajoaa-1378	36	8	the	the	DET
ajoaa-1378	36	9	credit	credit	NOUN
ajoaa-1378	36	10	extension	extension	NOUN
ajoaa-1378	36	11	services	service	NOUN
ajoaa-1378	36	12	of	of	ADP
ajoaa-1378	36	13	mfbs	mfbs	PROPN
ajoaa-1378	36	14	asian	asian	PROPN
ajoaa-1378	36	15	journal	journal	PROPN
ajoaa-1378	36	16	of	of	ADP
ajoaa-1378	36	17	agriculture	agriculture	NOUN
ajoaa-1378	36	18	and	and	CCONJ
ajoaa-1378	36	19	rural	rural	ADJ
ajoaa-1378	36	20	development	development	NOUN
ajoaa-1378	36	21	,	,	PUNCT
ajoaa-1378	36	22	5(2)2015	5(2)2015	NUM
ajoaa-1378	36	23	:	:	PUNCT
ajoaa-1378	36	24	42	42	NUM
ajoaa-1378	36	25	-	-	SYM
ajoaa-1378	36	26	52	52	NUM
ajoaa-1378	36	27	44	44	NUM
ajoaa-1378	36	28			NOUN
ajoaa-1378	36	29	examine	examine	NOUN
ajoaa-1378	36	30	mfbs	mfbs	NOUN
ajoaa-1378	36	31	programmes	programme	NOUN
ajoaa-1378	36	32	meant	mean	VERB
ajoaa-1378	36	33	to	to	PART
ajoaa-1378	36	34	enhance	enhance	VERB
ajoaa-1378	36	35	credit	credit	NOUN
ajoaa-1378	36	36	officers	officer	NOUN
ajoaa-1378	36	37	performance	performance	NOUN
ajoaa-1378	36	38			X
ajoaa-1378	36	39	identify	identify	VERB
ajoaa-1378	36	40	constraints	constraint	NOUN
ajoaa-1378	36	41	to	to	ADP
ajoaa-1378	36	42	effective	effective	ADJ
ajoaa-1378	36	43	credit	credit	NOUN
ajoaa-1378	36	44	officers	officer	NOUN
ajoaa-1378	36	45	’	’	PART
ajoaa-1378	36	46	performance	performance	NOUN
ajoaa-1378	36	47	in	in	ADP
ajoaa-1378	36	48	mfbs	mfbs	NOUN
ajoaa-1378	36	49	,	,	PUNCT
ajoaa-1378	36	50	and	and	CCONJ
ajoaa-1378	36	51	make	make	VERB
ajoaa-1378	36	52	recommendations	recommendation	NOUN
ajoaa-1378	36	53	based	base	VERB
ajoaa-1378	36	54	on	on	ADP
ajoaa-1378	36	55	findings	finding	NOUN
ajoaa-1378	36	56	.	.	PUNCT
ajoaa-1378	37	1	1.1	1.1	NUM
ajoaa-1378	37	2	.	.	PUNCT
ajoaa-1378	37	3	hypothesis	hypothesis	NOUN
ajoaa-1378	37	4	of	of	ADP
ajoaa-1378	37	5	the	the	DET
ajoaa-1378	37	6	study	study	NOUN
ajoaa-1378	37	7	h01	h01	NOUN
ajoaa-1378	37	8	:	:	PUNCT
ajoaa-1378	37	9	credit	credit	NOUN
ajoaa-1378	37	10	officers	officer	NOUN
ajoaa-1378	37	11	are	be	AUX
ajoaa-1378	37	12	not	not	PART
ajoaa-1378	37	13	significantly	significantly	ADV
ajoaa-1378	37	14	knowledgeable	knowledgeable	ADJ
ajoaa-1378	37	15	about	about	ADP
ajoaa-1378	37	16	extension	extension	NOUN
ajoaa-1378	37	17	services	service	NOUN
ajoaa-1378	37	18	of	of	ADP
ajoaa-1378	37	19	mfbs	mfbs	PROPN
ajoaa-1378	37	20	h02	h02	PROPN
ajoaa-1378	37	21	:	:	PUNCT
ajoaa-1378	37	22	credit	credit	NOUN
ajoaa-1378	37	23	officers	officer	NOUN
ajoaa-1378	37	24	of	of	ADP
ajoaa-1378	37	25	mfbs	mfbs	NOUN
ajoaa-1378	37	26	are	be	AUX
ajoaa-1378	37	27	not	not	PART
ajoaa-1378	37	28	involved	involve	VERB
ajoaa-1378	37	29	in	in	ADP
ajoaa-1378	37	30	the	the	DET
ajoaa-1378	37	31	credit	credit	NOUN
ajoaa-1378	37	32	extension	extension	NOUN
ajoaa-1378	37	33	service	service	NOUN
ajoaa-1378	37	34	delivery	delivery	NOUN
ajoaa-1378	37	35	to	to	ADP
ajoaa-1378	37	36	clients	client	NOUN
ajoaa-1378	37	37	.	.	PUNCT
ajoaa-1378	38	1	h03	h03	NOUN
ajoaa-1378	38	2	:	:	PUNCT
ajoaa-1378	38	3	credit	credit	NOUN
ajoaa-1378	38	4	officers	officer	NOUN
ajoaa-1378	38	5	of	of	ADP
ajoaa-1378	38	6	mfbs	mfbs	PROPN
ajoaa-1378	38	7	do	do	AUX
ajoaa-1378	38	8	not	not	PART
ajoaa-1378	38	9	significantly	significantly	ADV
ajoaa-1378	38	10	have	have	VERB
ajoaa-1378	38	11	the	the	DET
ajoaa-1378	38	12	support	support	NOUN
ajoaa-1378	38	13	of	of	ADP
ajoaa-1378	38	14	their	their	PRON
ajoaa-1378	38	15	organization	organization	NOUN
ajoaa-1378	38	16	for	for	ADP
ajoaa-1378	38	17	effective	effective	ADJ
ajoaa-1378	38	18	extension	extension	NOUN
ajoaa-1378	38	19	service	service	NOUN
ajoaa-1378	38	20	delivery	delivery	NOUN
ajoaa-1378	38	21	.	.	PUNCT
ajoaa-1378	39	1	1.2	1.2	NUM
ajoaa-1378	39	2	.	.	X
ajoaa-1378	39	3	micro	micro	ADJ
ajoaa-1378	39	4	finance	finance	PROPN
ajoaa-1378	39	5	in	in	ADP
ajoaa-1378	39	6	nigeria	nigeria	PROPN
ajoaa-1378	39	7	micro	micro	PROPN
ajoaa-1378	39	8	finance	finance	PROPN
ajoaa-1378	39	9	in	in	ADP
ajoaa-1378	39	10	nigeria	nigeria	PROPN
ajoaa-1378	39	11	,	,	PUNCT
ajoaa-1378	39	12	though	though	SCONJ
ajoaa-1378	39	13	on	on	ADP
ajoaa-1378	39	14	informal	informal	ADJ
ajoaa-1378	39	15	setting	setting	NOUN
ajoaa-1378	39	16	is	be	AUX
ajoaa-1378	39	17	as	as	ADV
ajoaa-1378	39	18	old	old	ADJ
ajoaa-1378	39	19	as	as	ADP
ajoaa-1378	39	20	the	the	DET
ajoaa-1378	39	21	nation	nation	NOUN
ajoaa-1378	39	22	itself	itself	PRON
ajoaa-1378	39	23	.	.	PUNCT
ajoaa-1378	40	1	though	though	SCONJ
ajoaa-1378	40	2	the	the	DET
ajoaa-1378	40	3	informal	informal	ADJ
ajoaa-1378	40	4	system	system	NOUN
ajoaa-1378	40	5	is	be	AUX
ajoaa-1378	40	6	a	a	DET
ajoaa-1378	40	7	rural	rural	ADJ
ajoaa-1378	40	8	unregulated	unregulated	ADJ
ajoaa-1378	40	9	and	and	CCONJ
ajoaa-1378	40	10	unofficial	unofficial	ADJ
ajoaa-1378	40	11	financial	financial	ADJ
ajoaa-1378	40	12	arrangement	arrangement	NOUN
ajoaa-1378	40	13	,	,	PUNCT
ajoaa-1378	40	14	it	it	PRON
ajoaa-1378	40	15	has	have	VERB
ajoaa-1378	40	16	highly	highly	ADV
ajoaa-1378	40	17	respected	respect	VERB
ajoaa-1378	40	18	modus	modus	X
ajoaa-1378	40	19	operandi	operandi	X
ajoaa-1378	40	20	by	by	ADP
ajoaa-1378	40	21	which	which	PRON
ajoaa-1378	40	22	individual	individual	ADJ
ajoaa-1378	40	23	or	or	CCONJ
ajoaa-1378	40	24	groups	group	NOUN
ajoaa-1378	40	25	relate	relate	VERB
ajoaa-1378	40	26	in	in	ADP
ajoaa-1378	40	27	their	their	PRON
ajoaa-1378	40	28	various	various	ADJ
ajoaa-1378	40	29	capacities	capacity	NOUN
ajoaa-1378	40	30	as	as	ADP
ajoaa-1378	40	31	debtors	debtor	NOUN
ajoaa-1378	40	32	and	and	CCONJ
ajoaa-1378	40	33	creditors	creditor	NOUN
ajoaa-1378	40	34	outside	outside	ADP
ajoaa-1378	40	35	the	the	DET
ajoaa-1378	40	36	regimented	regimented	ADJ
ajoaa-1378	40	37	and	and	CCONJ
ajoaa-1378	40	38	regulated	regulated	ADJ
ajoaa-1378	40	39	markets	market	NOUN
ajoaa-1378	40	40	.	.	PUNCT
ajoaa-1378	41	1	the	the	DET
ajoaa-1378	41	2	informal	informal	ADJ
ajoaa-1378	41	3	financial	financial	ADJ
ajoaa-1378	41	4	market	market	NOUN
ajoaa-1378	41	5	is	be	AUX
ajoaa-1378	41	6	classified	classify	VERB
ajoaa-1378	41	7	into	into	ADP
ajoaa-1378	41	8	institutional	institutional	ADJ
ajoaa-1378	41	9	and	and	CCONJ
ajoaa-1378	41	10	non	non	ADJ
ajoaa-1378	41	11	-	-	ADJ
ajoaa-1378	41	12	institutional	institutional	ADJ
ajoaa-1378	41	13	markets	market	NOUN
ajoaa-1378	41	14	.	.	PUNCT
ajoaa-1378	42	1	the	the	DET
ajoaa-1378	42	2	evolution	evolution	NOUN
ajoaa-1378	42	3	of	of	ADP
ajoaa-1378	42	4	banking	banking	NOUN
ajoaa-1378	42	5	system	system	NOUN
ajoaa-1378	42	6	in	in	ADP
ajoaa-1378	42	7	nigeria	nigeria	PROPN
ajoaa-1378	42	8	can	can	AUX
ajoaa-1378	42	9	be	be	AUX
ajoaa-1378	42	10	traced	trace	VERB
ajoaa-1378	42	11	to	to	ADP
ajoaa-1378	42	12	1890	1890	NUM
ajoaa-1378	42	13	when	when	SCONJ
ajoaa-1378	42	14	the	the	DET
ajoaa-1378	42	15	monetization	monetization	NOUN
ajoaa-1378	42	16	of	of	ADP
ajoaa-1378	42	17	the	the	DET
ajoaa-1378	42	18	nigerian	nigerian	ADJ
ajoaa-1378	42	19	economy	economy	NOUN
ajoaa-1378	42	20	was	be	AUX
ajoaa-1378	42	21	growing	grow	VERB
ajoaa-1378	42	22	side	side	NOUN
ajoaa-1378	42	23	by	by	ADP
ajoaa-1378	42	24	side	side	NOUN
ajoaa-1378	42	25	with	with	ADP
ajoaa-1378	42	26	barter	barter	NOUN
ajoaa-1378	42	27	trading	trading	NOUN
ajoaa-1378	42	28	.	.	PUNCT
ajoaa-1378	43	1	during	during	ADP
ajoaa-1378	43	2	this	this	DET
ajoaa-1378	43	3	period	period	NOUN
ajoaa-1378	43	4	,	,	PUNCT
ajoaa-1378	43	5	the	the	DET
ajoaa-1378	43	6	use	use	NOUN
ajoaa-1378	43	7	of	of	ADP
ajoaa-1378	43	8	cash	cash	NOUN
ajoaa-1378	43	9	had	have	AUX
ajoaa-1378	43	10	grown	grow	VERB
ajoaa-1378	43	11	sufficiently	sufficiently	ADV
ajoaa-1378	43	12	throughout	throughout	ADP
ajoaa-1378	43	13	west	west	PROPN
ajoaa-1378	43	14	africa	africa	PROPN
ajoaa-1378	43	15	.	.	PUNCT
ajoaa-1378	44	1	modern	modern	ADJ
ajoaa-1378	44	2	banking	banking	NOUN
ajoaa-1378	44	3	in	in	ADP
ajoaa-1378	44	4	nigeria	nigeria	PROPN
ajoaa-1378	44	5	dates	date	VERB
ajoaa-1378	44	6	back	back	ADV
ajoaa-1378	44	7	to	to	ADP
ajoaa-1378	44	8	1892	1892	NUM
ajoaa-1378	44	9	with	with	ADP
ajoaa-1378	44	10	the	the	DET
ajoaa-1378	44	11	establishment	establishment	NOUN
ajoaa-1378	44	12	of	of	ADP
ajoaa-1378	44	13	the	the	DET
ajoaa-1378	44	14	african	african	ADJ
ajoaa-1378	44	15	banking	banking	NOUN
ajoaa-1378	44	16	corporation	corporation	NOUN
ajoaa-1378	44	17	in	in	ADP
ajoaa-1378	44	18	lagos	lago	NOUN
ajoaa-1378	44	19	.	.	PUNCT
ajoaa-1378	45	1	despite	despite	SCONJ
ajoaa-1378	45	2	having	have	VERB
ajoaa-1378	45	3	a	a	DET
ajoaa-1378	45	4	vibrant	vibrant	ADJ
ajoaa-1378	45	5	financial	financial	ADJ
ajoaa-1378	45	6	sector	sector	NOUN
ajoaa-1378	45	7	,	,	PUNCT
ajoaa-1378	45	8	accessibility	accessibility	NOUN
ajoaa-1378	45	9	to	to	ADP
ajoaa-1378	45	10	finance	finance	NOUN
ajoaa-1378	45	11	has	have	AUX
ajoaa-1378	45	12	been	be	AUX
ajoaa-1378	45	13	the	the	DET
ajoaa-1378	45	14	main	main	ADJ
ajoaa-1378	45	15	challenge	challenge	NOUN
ajoaa-1378	45	16	facing	face	VERB
ajoaa-1378	45	17	economic	economic	ADJ
ajoaa-1378	45	18	agents	agent	NOUN
ajoaa-1378	45	19	particularly	particularly	ADV
ajoaa-1378	45	20	those	those	PRON
ajoaa-1378	45	21	at	at	ADP
ajoaa-1378	45	22	the	the	DET
ajoaa-1378	45	23	bottom	bottom	NOUN
ajoaa-1378	45	24	of	of	ADP
ajoaa-1378	45	25	the	the	DET
ajoaa-1378	45	26	pyramid	pyramid	NOUN
ajoaa-1378	45	27	.	.	PUNCT
ajoaa-1378	46	1	medium	medium	ADJ
ajoaa-1378	46	2	and	and	CCONJ
ajoaa-1378	46	3	small	small	ADJ
ajoaa-1378	46	4	enterprise	enterprise	NOUN
ajoaa-1378	46	5	form	form	VERB
ajoaa-1378	46	6	the	the	DET
ajoaa-1378	46	7	main	main	ADJ
ajoaa-1378	46	8	crust	crust	NOUN
ajoaa-1378	46	9	of	of	ADP
ajoaa-1378	46	10	every	every	DET
ajoaa-1378	46	11	economy	economy	NOUN
ajoaa-1378	46	12	contributing	contribute	VERB
ajoaa-1378	46	13	about	about	ADV
ajoaa-1378	46	14	70	70	NUM
ajoaa-1378	46	15	%	%	NOUN
ajoaa-1378	46	16	of	of	ADP
ajoaa-1378	46	17	gdp	gdp	NOUN
ajoaa-1378	46	18	and	and	CCONJ
ajoaa-1378	46	19	employing	employ	VERB
ajoaa-1378	46	20	well	well	ADV
ajoaa-1378	46	21	over	over	ADP
ajoaa-1378	46	22	75	75	NUM
ajoaa-1378	46	23	%	%	NOUN
ajoaa-1378	46	24	of	of	ADP
ajoaa-1378	46	25	the	the	DET
ajoaa-1378	46	26	population	population	NOUN
ajoaa-1378	46	27	both	both	CCONJ
ajoaa-1378	46	28	in	in	ADP
ajoaa-1378	46	29	the	the	DET
ajoaa-1378	46	30	rural	rural	ADJ
ajoaa-1378	46	31	and	and	CCONJ
ajoaa-1378	46	32	urban	urban	ADJ
ajoaa-1378	46	33	centers	center	NOUN
ajoaa-1378	46	34	(	(	PUNCT
ajoaa-1378	46	35	adeyemi	adeyemi	ADV
ajoaa-1378	46	36	,	,	PUNCT
ajoaa-1378	46	37	2008	2008	NUM
ajoaa-1378	46	38	)	)	PUNCT
ajoaa-1378	46	39	.	.	PUNCT
ajoaa-1378	47	1	this	this	DET
ajoaa-1378	47	2	general	general	ADJ
ajoaa-1378	47	3	trend	trend	NOUN
ajoaa-1378	47	4	has	have	AUX
ajoaa-1378	47	5	not	not	PART
ajoaa-1378	47	6	been	be	AUX
ajoaa-1378	47	7	true	true	ADJ
ajoaa-1378	47	8	for	for	ADP
ajoaa-1378	47	9	nigeria	nigeria	PRON
ajoaa-1378	47	10	where	where	SCONJ
ajoaa-1378	47	11	the	the	DET
ajoaa-1378	47	12	financial	financial	ADJ
ajoaa-1378	47	13	sector	sector	NOUN
ajoaa-1378	47	14	had	have	AUX
ajoaa-1378	47	15	shown	show	VERB
ajoaa-1378	47	16	a	a	DET
ajoaa-1378	47	17	preference	preference	NOUN
ajoaa-1378	47	18	for	for	ADP
ajoaa-1378	47	19	large	large	ADJ
ajoaa-1378	47	20	multi	multi	NOUN
ajoaa-1378	47	21	-	-	NOUN
ajoaa-1378	47	22	nationals	national	NOUN
ajoaa-1378	47	23	and	and	CCONJ
ajoaa-1378	47	24	big	big	ADJ
ajoaa-1378	47	25	trading	trading	NOUN
ajoaa-1378	47	26	companies	company	NOUN
ajoaa-1378	47	27	to	to	ADP
ajoaa-1378	47	28	the	the	DET
ajoaa-1378	47	29	detriment	detriment	NOUN
ajoaa-1378	47	30	of	of	ADP
ajoaa-1378	47	31	other	other	ADJ
ajoaa-1378	47	32	sectors	sector	NOUN
ajoaa-1378	47	33	in	in	ADP
ajoaa-1378	47	34	the	the	DET
ajoaa-1378	47	35	economy	economy	NOUN
ajoaa-1378	47	36	thereby	thereby	ADV
ajoaa-1378	47	37	making	make	VERB
ajoaa-1378	47	38	access	access	NOUN
ajoaa-1378	47	39	to	to	ADP
ajoaa-1378	47	40	credit	credit	NOUN
ajoaa-1378	47	41	for	for	ADP
ajoaa-1378	47	42	input	input	NOUN
ajoaa-1378	47	43	purchase	purchase	NOUN
ajoaa-1378	47	44	(	(	PUNCT
ajoaa-1378	47	45	fertilizer	fertilizer	NOUN
ajoaa-1378	47	46	,	,	PUNCT
ajoaa-1378	47	47	seed	seed	NOUN
ajoaa-1378	47	48	and	and	CCONJ
ajoaa-1378	47	49	labour	labour	NOUN
ajoaa-1378	47	50	)	)	PUNCT
ajoaa-1378	47	51	,	,	PUNCT
ajoaa-1378	47	52	processing	processing	NOUN
ajoaa-1378	47	53	and	and	CCONJ
ajoaa-1378	47	54	trade	trade	VERB
ajoaa-1378	47	55	a	a	DET
ajoaa-1378	47	56	key	key	ADJ
ajoaa-1378	47	57	constraint	constraint	NOUN
ajoaa-1378	47	58	to	to	ADP
ajoaa-1378	47	59	improved	improve	VERB
ajoaa-1378	47	60	economic	economic	ADJ
ajoaa-1378	47	61	performance	performance	NOUN
ajoaa-1378	47	62	in	in	ADP
ajoaa-1378	47	63	the	the	DET
ajoaa-1378	47	64	rural	rural	ADJ
ajoaa-1378	47	65	sector	sector	NOUN
ajoaa-1378	47	66	(	(	PUNCT
ajoaa-1378	47	67	adekanye	adekanye	PROPN
ajoaa-1378	47	68	,	,	PUNCT
ajoaa-1378	47	69	1998	1998	NUM
ajoaa-1378	47	70	)	)	PUNCT
ajoaa-1378	47	71	.	.	PUNCT
ajoaa-1378	48	1	in	in	ADP
ajoaa-1378	48	2	the	the	DET
ajoaa-1378	48	3	non	non	ADJ
ajoaa-1378	48	4	-	-	ADJ
ajoaa-1378	48	5	institutional	institutional	ADJ
ajoaa-1378	48	6	markets	market	NOUN
ajoaa-1378	48	7	,	,	PUNCT
ajoaa-1378	48	8	the	the	DET
ajoaa-1378	48	9	activities	activity	NOUN
ajoaa-1378	48	10	of	of	ADP
ajoaa-1378	48	11	savings	saving	NOUN
ajoaa-1378	48	12	and	and	CCONJ
ajoaa-1378	48	13	acquisition	acquisition	NOUN
ajoaa-1378	48	14	of	of	ADP
ajoaa-1378	48	15	credits	credit	NOUN
ajoaa-1378	48	16	are	be	AUX
ajoaa-1378	48	17	done	do	VERB
ajoaa-1378	48	18	by	by	ADP
ajoaa-1378	48	19	individuals	individual	NOUN
ajoaa-1378	48	20	on	on	ADP
ajoaa-1378	48	21	their	their	PRON
ajoaa-1378	48	22	own	own	ADJ
ajoaa-1378	48	23	or	or	CCONJ
ajoaa-1378	48	24	through	through	ADP
ajoaa-1378	48	25	person	person	NOUN
ajoaa-1378	48	26	to	to	ADP
ajoaa-1378	48	27	person	person	NOUN
ajoaa-1378	48	28	arrangement	arrangement	NOUN
ajoaa-1378	48	29	.	.	PUNCT
ajoaa-1378	49	1	the	the	DET
ajoaa-1378	49	2	market	market	NOUN
ajoaa-1378	49	3	includes	include	VERB
ajoaa-1378	49	4	selffinancing	selffinance	VERB
ajoaa-1378	49	5	,	,	PUNCT
ajoaa-1378	49	6	financing	financing	NOUN
ajoaa-1378	49	7	by	by	ADP
ajoaa-1378	49	8	relations	relation	NOUN
ajoaa-1378	49	9	,	,	PUNCT
ajoaa-1378	49	10	friends	friend	NOUN
ajoaa-1378	49	11	and	and	CCONJ
ajoaa-1378	49	12	well	well	ADJ
ajoaa-1378	49	13	wishers	wisher	NOUN
ajoaa-1378	49	14	,	,	PUNCT
ajoaa-1378	49	15	professional	professional	ADJ
ajoaa-1378	49	16	money	money	NOUN
ajoaa-1378	49	17	lenders	lender	NOUN
ajoaa-1378	49	18	,	,	PUNCT
ajoaa-1378	49	19	jack	jack	NOUN
ajoaa-1378	49	20	pot	pot	NOUN
ajoaa-1378	49	21	,	,	PUNCT
ajoaa-1378	49	22	raffle	raffle	NOUN
ajoaa-1378	49	23	and	and	CCONJ
ajoaa-1378	49	24	fool	fool	NOUN
ajoaa-1378	49	25	winnings	winning	NOUN
ajoaa-1378	49	26	and	and	CCONJ
ajoaa-1378	49	27	trust	trust	NOUN
ajoaa-1378	49	28	system	system	NOUN
ajoaa-1378	49	29	of	of	ADP
ajoaa-1378	49	30	credit	credit	NOUN
ajoaa-1378	49	31	transactions	transaction	NOUN
ajoaa-1378	49	32	.	.	PUNCT
ajoaa-1378	50	1	institutional	institutional	ADJ
ajoaa-1378	50	2	market	market	NOUN
ajoaa-1378	50	3	on	on	ADP
ajoaa-1378	50	4	the	the	DET
ajoaa-1378	50	5	other	other	ADJ
ajoaa-1378	50	6	hand	hand	NOUN
ajoaa-1378	50	7	refers	refer	VERB
ajoaa-1378	50	8	to	to	ADP
ajoaa-1378	50	9	any	any	DET
ajoaa-1378	50	10	organizational	organizational	ADJ
ajoaa-1378	50	11	or	or	CCONJ
ajoaa-1378	50	12	institutional	institutional	ADJ
ajoaa-1378	50	13	arrangement	arrangement	NOUN
ajoaa-1378	50	14	that	that	PRON
ajoaa-1378	50	15	aim	aim	VERB
ajoaa-1378	50	16	at	at	ADP
ajoaa-1378	50	17	mobilizing	mobilize	VERB
ajoaa-1378	50	18	savings	saving	NOUN
ajoaa-1378	50	19	and	and	CCONJ
ajoaa-1378	50	20	credits	credit	NOUN
ajoaa-1378	50	21	found	find	VERB
ajoaa-1378	50	22	in	in	ADP
ajoaa-1378	50	23	this	this	DET
ajoaa-1378	50	24	market	market	NOUN
ajoaa-1378	50	25	such	such	ADJ
ajoaa-1378	50	26	as	as	ADP
ajoaa-1378	50	27	the	the	DET
ajoaa-1378	50	28	rotating	rotate	VERB
ajoaa-1378	50	29	savings	saving	NOUN
ajoaa-1378	50	30	and	and	CCONJ
ajoaa-1378	50	31	credit	credit	NOUN
ajoaa-1378	50	32	associations	association	NOUN
ajoaa-1378	50	33	(	(	PUNCT
ajoaa-1378	50	34	roscas	roscas	PROPN
ajoaa-1378	50	35	)	)	PUNCT
ajoaa-1378	50	36	,	,	PUNCT
ajoaa-1378	50	37	thrift	thrift	NOUN
ajoaa-1378	50	38	associations	association	NOUN
ajoaa-1378	50	39	,	,	PUNCT
ajoaa-1378	50	40	savings	saving	NOUN
ajoaa-1378	50	41	mobilization	mobilization	NOUN
ajoaa-1378	50	42	groups	group	NOUN
ajoaa-1378	50	43	(	(	PUNCT
ajoaa-1378	50	44	which	which	PRON
ajoaa-1378	50	45	are	be	AUX
ajoaa-1378	50	46	traditionally	traditionally	ADV
ajoaa-1378	50	47	called	call	VERB
ajoaa-1378	50	48	esusu	esusu	NOUN
ajoaa-1378	50	49	,	,	PUNCT
ajoaa-1378	50	50	bam	bam	NOUN
ajoaa-1378	50	51	bam	bam	NOUN
ajoaa-1378	50	52	,	,	PUNCT
ajoaa-1378	50	53	ajo	ajo	NOUN
ajoaa-1378	50	54	and	and	CCONJ
ajoaa-1378	50	55	adashi	adashi	NOUN
ajoaa-1378	50	56	)	)	PUNCT
ajoaa-1378	50	57	by	by	ADP
ajoaa-1378	50	58	different	different	ADJ
ajoaa-1378	50	59	communities	community	NOUN
ajoaa-1378	50	60	,	,	PUNCT
ajoaa-1378	50	61	daily	daily	ADJ
ajoaa-1378	50	62	savings	saving	NOUN
ajoaa-1378	50	63	or	or	CCONJ
ajoaa-1378	50	64	contribution	contribution	NOUN
ajoaa-1378	50	65	organizations	organization	NOUN
ajoaa-1378	50	66	,	,	PUNCT
ajoaa-1378	50	67	cooperative	cooperative	ADJ
ajoaa-1378	50	68	societies	society	NOUN
ajoaa-1378	50	69	,	,	PUNCT
ajoaa-1378	50	70	religions	religions	PROPN
ajoaa-1378	50	71	organization	organization	NOUN
ajoaa-1378	50	72	,	,	PUNCT
ajoaa-1378	50	73	social	social	ADJ
ajoaa-1378	50	74	clubs	club	NOUN
ajoaa-1378	50	75	and	and	CCONJ
ajoaa-1378	50	76	village	village	NOUN
ajoaa-1378	50	77	credit	credit	NOUN
ajoaa-1378	50	78	irrespective	irrespective	ADV
ajoaa-1378	50	79	of	of	ADP
ajoaa-1378	50	80	the	the	DET
ajoaa-1378	50	81	meager	meager	ADJ
ajoaa-1378	50	82	amount	amount	NOUN
ajoaa-1378	50	83	it	it	PRON
ajoaa-1378	50	84	generates	generate	VERB
ajoaa-1378	50	85	remains	remain	VERB
ajoaa-1378	50	86	the	the	DET
ajoaa-1378	50	87	major	major	ADJ
ajoaa-1378	50	88	source	source	NOUN
ajoaa-1378	50	89	of	of	ADP
ajoaa-1378	50	90	finance	finance	NOUN
ajoaa-1378	50	91	for	for	ADP
ajoaa-1378	50	92	the	the	DET
ajoaa-1378	50	93	poor	poor	ADJ
ajoaa-1378	50	94	who	who	PRON
ajoaa-1378	50	95	see	see	VERB
ajoaa-1378	50	96	the	the	DET
ajoaa-1378	50	97	formal	formal	ADJ
ajoaa-1378	50	98	financial	financial	ADJ
ajoaa-1378	50	99	institution	institution	NOUN
ajoaa-1378	50	100	as	as	ADP
ajoaa-1378	50	101	being	be	AUX
ajoaa-1378	50	102	too	too	ADV
ajoaa-1378	50	103	bureaucratic	bureaucratic	ADJ
ajoaa-1378	50	104	,	,	PUNCT
ajoaa-1378	50	105	costly	costly	ADJ
ajoaa-1378	50	106	and	and	CCONJ
ajoaa-1378	50	107	cumbersome	cumbersome	ADJ
ajoaa-1378	50	108	(	(	PUNCT
ajoaa-1378	50	109	beko	beko	NOUN
ajoaa-1378	50	110	,	,	PUNCT
ajoaa-1378	50	111	1991	1991	NUM
ajoaa-1378	50	112	)	)	PUNCT
ajoaa-1378	50	113	.	.	PUNCT
ajoaa-1378	51	1	the	the	DET
ajoaa-1378	51	2	government	government	NOUN
ajoaa-1378	51	3	of	of	ADP
ajoaa-1378	51	4	nigeria	nigeria	PROPN
ajoaa-1378	51	5	has	have	AUX
ajoaa-1378	51	6	identified	identify	VERB
ajoaa-1378	51	7	micro	micro	ADJ
ajoaa-1378	51	8	finance	finance	NOUN
ajoaa-1378	51	9	as	as	ADP
ajoaa-1378	51	10	an	an	DET
ajoaa-1378	51	11	effective	effective	ADJ
ajoaa-1378	51	12	tool	tool	NOUN
ajoaa-1378	51	13	for	for	ADP
ajoaa-1378	51	14	promoting	promote	VERB
ajoaa-1378	51	15	better	well	ADJ
ajoaa-1378	51	16	access	access	NOUN
ajoaa-1378	51	17	of	of	ADP
ajoaa-1378	51	18	the	the	DET
ajoaa-1378	51	19	poor	poor	ADJ
ajoaa-1378	51	20	,	,	PUNCT
ajoaa-1378	51	21	low	low	ADJ
ajoaa-1378	51	22	income	income	NOUN
ajoaa-1378	51	23	population	population	NOUN
ajoaa-1378	51	24	and	and	CCONJ
ajoaa-1378	51	25	vulnerable	vulnerable	ADJ
ajoaa-1378	51	26	groups	group	NOUN
ajoaa-1378	51	27	,	,	PUNCT
ajoaa-1378	51	28	to	to	ADP
ajoaa-1378	51	29	financial	financial	ADJ
ajoaa-1378	51	30	and	and	CCONJ
ajoaa-1378	51	31	social	social	ADJ
ajoaa-1378	51	32	services	service	NOUN
ajoaa-1378	51	33	and	and	CCONJ
ajoaa-1378	51	34	broad	broad	ADJ
ajoaa-1378	51	35	based	base	VERB
ajoaa-1378	51	36	and	and	CCONJ
ajoaa-1378	51	37	strong	strong	ADJ
ajoaa-1378	51	38	economic	economic	ADJ
ajoaa-1378	51	39	growth	growth	NOUN
ajoaa-1378	51	40	.	.	PUNCT
ajoaa-1378	52	1	micro	micro	PROPN
ajoaa-1378	52	2	finance	finance	PROPN
ajoaa-1378	52	3	enables	enable	VERB
ajoaa-1378	52	4	poor	poor	ADJ
ajoaa-1378	52	5	people	people	NOUN
ajoaa-1378	52	6	to	to	PART
ajoaa-1378	52	7	expand	expand	VERB
ajoaa-1378	52	8	their	their	PRON
ajoaa-1378	52	9	businesses	business	NOUN
ajoaa-1378	52	10	,	,	PUNCT
ajoaa-1378	52	11	increase	increase	VERB
ajoaa-1378	52	12	their	their	PRON
ajoaa-1378	52	13	revenues	revenue	NOUN
ajoaa-1378	52	14	,	,	PUNCT
ajoaa-1378	52	15	and	and	CCONJ
ajoaa-1378	52	16	created	create	VERB
ajoaa-1378	52	17	employment	employment	NOUN
ajoaa-1378	52	18	.	.	PUNCT
ajoaa-1378	53	1	the	the	DET
ajoaa-1378	53	2	government	government	NOUN
ajoaa-1378	53	3	of	of	ADP
ajoaa-1378	53	4	nigeria	nigeria	PROPN
ajoaa-1378	53	5	has	have	AUX
ajoaa-1378	53	6	also	also	ADV
ajoaa-1378	53	7	made	make	VERB
ajoaa-1378	53	8	several	several	ADJ
ajoaa-1378	53	9	efforts	effort	NOUN
ajoaa-1378	53	10	to	to	ADP
ajoaa-1378	53	11	redressing	redress	VERB
ajoaa-1378	53	12	the	the	DET
ajoaa-1378	53	13	inadequate	inadequate	ADJ
ajoaa-1378	53	14	supply	supply	NOUN
ajoaa-1378	53	15	or	or	CCONJ
ajoaa-1378	53	16	financial	financial	ADJ
ajoaa-1378	53	17	services	service	NOUN
ajoaa-1378	53	18	to	to	ADP
ajoaa-1378	53	19	the	the	DET
ajoaa-1378	53	20	poor	poor	ADJ
ajoaa-1378	53	21	.	.	PUNCT
ajoaa-1378	54	1	in	in	ADP
ajoaa-1378	54	2	1936	1936	NUM
ajoaa-1378	54	3	,	,	PUNCT
ajoaa-1378	54	4	government	government	NOUN
ajoaa-1378	54	5	in	in	ADP
ajoaa-1378	54	6	support	support	NOUN
ajoaa-1378	54	7	of	of	ADP
ajoaa-1378	54	8	the	the	DET
ajoaa-1378	54	9	cooperative	cooperative	NOUN
ajoaa-1378	54	10	promulgated	promulgate	VERB
ajoaa-1378	54	11	the	the	DET
ajoaa-1378	54	12	cooperative	cooperative	ADJ
ajoaa-1378	54	13	society	society	NOUN
ajoaa-1378	54	14	’s	’s	PART
ajoaa-1378	54	15	ordinance	ordinance	NOUN
ajoaa-1378	54	16	.	.	PUNCT
ajoaa-1378	55	1	this	this	PRON
ajoaa-1378	55	2	made	make	VERB
ajoaa-1378	55	3	the	the	DET
ajoaa-1378	55	4	cooperative	cooperative	NOUN
ajoaa-1378	55	5	have	have	VERB
ajoaa-1378	55	6	regular	regular	ADJ
ajoaa-1378	55	7	/	/	SYM
ajoaa-1378	55	8	compulsory	compulsory	ADJ
ajoaa-1378	55	9	savings	saving	NOUN
ajoaa-1378	55	10	as	as	ADP
ajoaa-1378	55	11	one	one	NUM
ajoaa-1378	55	12	of	of	ADP
ajoaa-1378	55	13	their	their	PRON
ajoaa-1378	55	14	goals	goal	NOUN
ajoaa-1378	55	15	.	.	PUNCT
ajoaa-1378	56	1	while	while	SCONJ
ajoaa-1378	56	2	thrift	thrift	NOUN
ajoaa-1378	56	3	and	and	CCONJ
ajoaa-1378	56	4	credit	credit	NOUN
ajoaa-1378	56	5	asian	asian	ADJ
ajoaa-1378	56	6	journal	journal	NOUN
ajoaa-1378	56	7	of	of	ADP
ajoaa-1378	56	8	agriculture	agriculture	NOUN
ajoaa-1378	56	9	and	and	CCONJ
ajoaa-1378	56	10	rural	rural	ADJ
ajoaa-1378	56	11	development	development	NOUN
ajoaa-1378	56	12	,	,	PUNCT
ajoaa-1378	56	13	5(2)2015	5(2)2015	NUM
ajoaa-1378	56	14	:	:	PUNCT
ajoaa-1378	56	15	42	42	NUM
ajoaa-1378	56	16	-	-	SYM
ajoaa-1378	56	17	52	52	NUM
ajoaa-1378	56	18	45	45	NUM
ajoaa-1378	56	19	societies	society	NOUN
ajoaa-1378	56	20	combined	combine	VERB
ajoaa-1378	56	21	regular	regular	ADJ
ajoaa-1378	56	22	savings	saving	NOUN
ajoaa-1378	56	23	of	of	ADP
ajoaa-1378	56	24	members	member	NOUN
ajoaa-1378	56	25	with	with	ADP
ajoaa-1378	56	26	lending	lending	NOUN
ajoaa-1378	56	27	.	.	PUNCT
ajoaa-1378	57	1	the	the	DET
ajoaa-1378	57	2	commercial	commercial	ADJ
ajoaa-1378	57	3	bill	bill	NOUN
ajoaa-1378	57	4	financing	financing	NOUN
ajoaa-1378	57	5	scheme	scheme	NOUN
ajoaa-1378	57	6	in	in	ADP
ajoaa-1378	57	7	1962	1962	NUM
ajoaa-1378	57	8	and	and	CCONJ
ajoaa-1378	57	9	the	the	DET
ajoaa-1378	57	10	regional	regional	ADJ
ajoaa-1378	57	11	commodity	commodity	NOUN
ajoaa-1378	57	12	boards	board	NOUN
ajoaa-1378	57	13	(	(	PUNCT
ajoaa-1378	57	14	later	later	ADV
ajoaa-1378	57	15	called	call	VERB
ajoaa-1378	57	16	national	national	ADJ
ajoaa-1378	57	17	commodity	commodity	NOUN
ajoaa-1378	57	18	boards	board	NOUN
ajoaa-1378	57	19	in	in	ADP
ajoaa-1378	57	20	1977	1977	NUM
ajoaa-1378	57	21	)	)	PUNCT
ajoaa-1378	57	22	were	be	AUX
ajoaa-1378	57	23	among	among	ADP
ajoaa-1378	57	24	the	the	DET
ajoaa-1378	57	25	efforts	effort	NOUN
ajoaa-1378	57	26	made	make	VERB
ajoaa-1378	57	27	by	by	ADP
ajoaa-1378	57	28	government	government	NOUN
ajoaa-1378	57	29	to	to	PART
ajoaa-1378	57	30	improve	improve	VERB
ajoaa-1378	57	31	the	the	DET
ajoaa-1378	57	32	poor	poor	ADJ
ajoaa-1378	57	33	access	access	NOUN
ajoaa-1378	57	34	to	to	ADP
ajoaa-1378	57	35	lending	lending	NOUN
ajoaa-1378	57	36	(	(	PUNCT
ajoaa-1378	57	37	aja	aja	PROPN
ajoaa-1378	57	38	,	,	PUNCT
ajoaa-1378	57	39	1998	1998	NUM
ajoaa-1378	57	40	)	)	PUNCT
ajoaa-1378	57	41	.	.	PUNCT
ajoaa-1378	58	1	the	the	DET
ajoaa-1378	58	2	nigerian	nigerian	ADJ
ajoaa-1378	58	3	agricultural	agricultural	ADJ
ajoaa-1378	58	4	and	and	CCONJ
ajoaa-1378	58	5	cooperative	cooperative	ADJ
ajoaa-1378	58	6	bank	bank	NOUN
ajoaa-1378	58	7	(	(	PUNCT
ajoaa-1378	58	8	nacb	nacb	PROPN
ajoaa-1378	58	9	)	)	PUNCT
ajoaa-1378	58	10	were	be	AUX
ajoaa-1378	58	11	established	establish	VERB
ajoaa-1378	58	12	in	in	ADP
ajoaa-1378	58	13	1972	1972	NUM
ajoaa-1378	58	14	to	to	PART
ajoaa-1378	58	15	act	act	VERB
ajoaa-1378	58	16	as	as	ADP
ajoaa-1378	58	17	development	development	NOUN
ajoaa-1378	58	18	finance	finance	NOUN
ajoaa-1378	58	19	institution	institution	NOUN
ajoaa-1378	58	20	extending	extend	VERB
ajoaa-1378	58	21	to	to	ADP
ajoaa-1378	58	22	both	both	CCONJ
ajoaa-1378	58	23	small	small	ADJ
ajoaa-1378	58	24	and	and	CCONJ
ajoaa-1378	58	25	large	large	ADJ
ajoaa-1378	58	26	scale	scale	NOUN
ajoaa-1378	58	27	farmers	farmer	NOUN
ajoaa-1378	58	28	.	.	PUNCT
ajoaa-1378	59	1	a	a	DET
ajoaa-1378	59	2	similar	similar	ADJ
ajoaa-1378	59	3	institution	institution	NOUN
ajoaa-1378	59	4	,	,	PUNCT
ajoaa-1378	59	5	the	the	DET
ajoaa-1378	59	6	agricultural	agricultural	ADJ
ajoaa-1378	59	7	credit	credit	NOUN
ajoaa-1378	59	8	guarantee	guarantee	NOUN
ajoaa-1378	59	9	scheme	scheme	NOUN
ajoaa-1378	59	10	fund	fund	NOUN
ajoaa-1378	59	11	(	(	PUNCT
ajoaa-1378	59	12	acesf	acesf	PROPN
ajoaa-1378	59	13	)	)	PUNCT
ajoaa-1378	59	14	was	be	AUX
ajoaa-1378	59	15	established	establish	VERB
ajoaa-1378	59	16	in	in	ADP
ajoaa-1378	59	17	978	978	NUM
ajoaa-1378	59	18	for	for	ADP
ajoaa-1378	59	19	the	the	DET
ajoaa-1378	59	20	purpose	purpose	NOUN
ajoaa-1378	59	21	of	of	ADP
ajoaa-1378	59	22	agricultural	agricultural	ADJ
ajoaa-1378	59	23	risk	risk	NOUN
ajoaa-1378	59	24	reduction	reduction	NOUN
ajoaa-1378	59	25	.	.	PUNCT
ajoaa-1378	60	1	the	the	DET
ajoaa-1378	60	2	bank	bank	NOUN
ajoaa-1378	60	3	guarantees	guarantee	VERB
ajoaa-1378	60	4	up	up	ADP
ajoaa-1378	60	5	to	to	PART
ajoaa-1378	60	6	75	75	NUM
ajoaa-1378	60	7	%	%	NOUN
ajoaa-1378	60	8	of	of	ADP
ajoaa-1378	60	9	the	the	DET
ajoaa-1378	60	10	principle	principle	NOUN
ajoaa-1378	60	11	in	in	ADP
ajoaa-1378	60	12	case	case	NOUN
ajoaa-1378	60	13	of	of	ADP
ajoaa-1378	60	14	default	default	NOUN
ajoaa-1378	60	15	due	due	ADP
ajoaa-1378	60	16	to	to	ADP
ajoaa-1378	60	17	natural	natural	ADJ
ajoaa-1378	60	18	events	event	NOUN
ajoaa-1378	60	19	beyond	beyond	ADP
ajoaa-1378	60	20	the	the	DET
ajoaa-1378	60	21	control	control	NOUN
ajoaa-1378	60	22	of	of	ADP
ajoaa-1378	60	23	the	the	DET
ajoaa-1378	60	24	farmers	farmer	NOUN
ajoaa-1378	60	25	.	.	PUNCT
ajoaa-1378	61	1	others	other	NOUN
ajoaa-1378	61	2	are	be	AUX
ajoaa-1378	61	3	the	the	DET
ajoaa-1378	61	4	rural	rural	ADJ
ajoaa-1378	61	5	banking	banking	NOUN
ajoaa-1378	61	6	system	system	NOUN
ajoaa-1378	61	7	of	of	ADP
ajoaa-1378	61	8	1977	1977	NUM
ajoaa-1378	61	9	,	,	PUNCT
ajoaa-1378	61	10	where	where	SCONJ
ajoaa-1378	61	11	banks	bank	NOUN
ajoaa-1378	61	12	were	be	AUX
ajoaa-1378	61	13	required	require	VERB
ajoaa-1378	61	14	to	to	PART
ajoaa-1378	61	15	establish	establish	VERB
ajoaa-1378	61	16	a	a	DET
ajoaa-1378	61	17	specified	specified	ADJ
ajoaa-1378	61	18	number	number	NOUN
ajoaa-1378	61	19	of	of	ADP
ajoaa-1378	61	20	branches	branch	NOUN
ajoaa-1378	61	21	in	in	ADP
ajoaa-1378	61	22	identified	identify	VERB
ajoaa-1378	61	23	rural	rural	ADJ
ajoaa-1378	61	24	areas	area	NOUN
ajoaa-1378	61	25	.	.	PUNCT
ajoaa-1378	62	1	export	export	NOUN
ajoaa-1378	62	2	financing	financing	NOUN
ajoaa-1378	62	3	rediscount	rediscount	NOUN
ajoaa-1378	62	4	facility	facility	NOUN
ajoaa-1378	62	5	in	in	ADP
ajoaa-1378	62	6	1987	1987	NUM
ajoaa-1378	62	7	measured	measure	VERB
ajoaa-1378	62	8	rural	rural	ADJ
ajoaa-1378	62	9	credit	credit	NOUN
ajoaa-1378	62	10	markets	market	NOUN
ajoaa-1378	62	11	including	include	VERB
ajoaa-1378	62	12	the	the	DET
ajoaa-1378	62	13	sect	sect	ADJ
ajoaa-1378	62	14	oral	oral	ADJ
ajoaa-1378	62	15	allocation	allocation	NOUN
ajoaa-1378	62	16	of	of	ADP
ajoaa-1378	62	17	credit	credit	NOUN
ajoaa-1378	62	18	,	,	PUNCT
ajoaa-1378	62	19	specified	specify	VERB
ajoaa-1378	62	20	percentage	percentage	NOUN
ajoaa-1378	62	21	of	of	ADP
ajoaa-1378	62	22	total	total	ADJ
ajoaa-1378	62	23	deposits	deposit	NOUN
ajoaa-1378	62	24	mobilized	mobilize	VERB
ajoaa-1378	62	25	in	in	ADP
ajoaa-1378	62	26	the	the	DET
ajoaa-1378	62	27	rural	rural	ADJ
ajoaa-1378	62	28	areas	area	NOUN
ajoaa-1378	62	29	to	to	PART
ajoaa-1378	62	30	be	be	AUX
ajoaa-1378	62	31	lent	lend	VERB
ajoaa-1378	62	32	to	to	ADP
ajoaa-1378	62	33	borrowers	borrower	NOUN
ajoaa-1378	62	34	in	in	ADP
ajoaa-1378	62	35	such	such	ADJ
ajoaa-1378	62	36	areas	area	NOUN
ajoaa-1378	62	37	,	,	PUNCT
ajoaa-1378	62	38	concessional	concessional	ADJ
ajoaa-1378	62	39	interest	interest	NOUN
ajoaa-1378	62	40	and	and	CCONJ
ajoaa-1378	62	41	grace	grace	NOUN
ajoaa-1378	62	42	periods	period	NOUN
ajoaa-1378	62	43	on	on	ADP
ajoaa-1378	62	44	agricultural	agricultural	ADJ
ajoaa-1378	62	45	loans	loan	NOUN
ajoaa-1378	62	46	.	.	PUNCT
ajoaa-1378	63	1	however	however	ADV
ajoaa-1378	63	2	,	,	PUNCT
ajoaa-1378	63	3	some	some	PRON
ajoaa-1378	63	4	of	of	ADP
ajoaa-1378	63	5	these	these	DET
ajoaa-1378	63	6	measures	measure	NOUN
ajoaa-1378	63	7	were	be	AUX
ajoaa-1378	63	8	abolished	abolish	VERB
ajoaa-1378	63	9	with	with	ADP
ajoaa-1378	63	10	the	the	DET
ajoaa-1378	63	11	introduction	introduction	NOUN
ajoaa-1378	63	12	of	of	ADP
ajoaa-1378	63	13	liberal	liberal	ADJ
ajoaa-1378	63	14	economic	economic	ADJ
ajoaa-1378	63	15	policies	policy	NOUN
ajoaa-1378	63	16	in	in	ADP
ajoaa-1378	63	17	1989	1989	NUM
ajoaa-1378	63	18	(	(	PUNCT
ajoaa-1378	63	19	ahmed	ahme	VERB
ajoaa-1378	63	20	,	,	PUNCT
ajoaa-1378	63	21	2008	2008	NUM
ajoaa-1378	63	22	)	)	PUNCT
ajoaa-1378	63	23	.	.	PUNCT
ajoaa-1378	64	1	the	the	DET
ajoaa-1378	64	2	peoples	people	NOUN
ajoaa-1378	64	3	banks	bank	NOUN
ajoaa-1378	64	4	established	establish	VERB
ajoaa-1378	64	5	in	in	ADP
ajoaa-1378	64	6	1989	1989	NUM
ajoaa-1378	64	7	for	for	ADP
ajoaa-1378	64	8	the	the	DET
ajoaa-1378	64	9	same	same	ADJ
ajoaa-1378	64	10	purpose	purpose	NOUN
ajoaa-1378	64	11	,	,	PUNCT
ajoaa-1378	64	12	was	be	AUX
ajoaa-1378	64	13	charged	charge	VERB
ajoaa-1378	64	14	with	with	ADP
ajoaa-1378	64	15	the	the	DET
ajoaa-1378	64	16	responsibility	responsibility	NOUN
ajoaa-1378	64	17	of	of	ADP
ajoaa-1378	64	18	taking	take	VERB
ajoaa-1378	64	19	deposit	deposit	NOUN
ajoaa-1378	64	20	and	and	CCONJ
ajoaa-1378	64	21	lending	lending	NOUN
ajoaa-1378	64	22	to	to	ADP
ajoaa-1378	64	23	the	the	DET
ajoaa-1378	64	24	poor	poor	ADJ
ajoaa-1378	64	25	.	.	PUNCT
ajoaa-1378	65	1	there	there	PRON
ajoaa-1378	65	2	was	be	VERB
ajoaa-1378	65	3	also	also	ADV
ajoaa-1378	65	4	licensing	license	VERB
ajoaa-1378	65	5	of	of	ADP
ajoaa-1378	65	6	community	community	NOUN
ajoaa-1378	65	7	banks	bank	NOUN
ajoaa-1378	65	8	in	in	ADP
ajoaa-1378	65	9	the	the	DET
ajoaa-1378	65	10	1990s	1990	NOUN
ajoaa-1378	65	11	for	for	ADP
ajoaa-1378	65	12	the	the	DET
ajoaa-1378	65	13	provision	provision	NOUN
ajoaa-1378	65	14	of	of	ADP
ajoaa-1378	65	15	non	non	ADJ
ajoaa-1378	65	16	-	-	ADJ
ajoaa-1378	65	17	sophisticated	sophisticated	ADJ
ajoaa-1378	65	18	loans	loan	NOUN
ajoaa-1378	65	19	to	to	ADP
ajoaa-1378	65	20	the	the	DET
ajoaa-1378	65	21	community	community	NOUN
ajoaa-1378	65	22	.	.	PUNCT
ajoaa-1378	66	1	community	community	NOUN
ajoaa-1378	66	2	banks	bank	NOUN
ajoaa-1378	66	3	metamorphosed	metamorphose	VERB
ajoaa-1378	66	4	into	into	ADP
ajoaa-1378	66	5	the	the	DET
ajoaa-1378	66	6	recent	recent	ADJ
ajoaa-1378	66	7	micro	micro	PROPN
ajoaa-1378	66	8	finance	finance	PROPN
ajoaa-1378	66	9	bank	bank	NOUN
ajoaa-1378	66	10	in	in	ADP
ajoaa-1378	66	11	2007	2007	NUM
ajoaa-1378	66	12	.	.	PUNCT
ajoaa-1378	67	1	some	some	PRON
ajoaa-1378	67	2	of	of	ADP
ajoaa-1378	67	3	these	these	DET
ajoaa-1378	67	4	efforts	effort	NOUN
ajoaa-1378	67	5	were	be	AUX
ajoaa-1378	67	6	frustrated	frustrate	VERB
ajoaa-1378	67	7	by	by	ADP
ajoaa-1378	67	8	lack	lack	NOUN
ajoaa-1378	67	9	of	of	ADP
ajoaa-1378	67	10	managerial	managerial	ADJ
ajoaa-1378	67	11	where	where	SCONJ
ajoaa-1378	67	12	withal	withal	NOUN
ajoaa-1378	67	13	,	,	PUNCT
ajoaa-1378	67	14	lack	lack	NOUN
ajoaa-1378	67	15	of	of	ADP
ajoaa-1378	67	16	supervision	supervision	NOUN
ajoaa-1378	67	17	,	,	PUNCT
ajoaa-1378	67	18	mishandling	mishandle	VERB
ajoaa-1378	67	19	of	of	ADP
ajoaa-1378	67	20	credit	credit	NOUN
ajoaa-1378	67	21	facilities	facility	NOUN
ajoaa-1378	67	22	,	,	PUNCT
ajoaa-1378	67	23	bribery	bribery	NOUN
ajoaa-1378	67	24	and	and	CCONJ
ajoaa-1378	67	25	corruption	corruption	NOUN
ajoaa-1378	67	26	(	(	PUNCT
ajoaa-1378	67	27	cbn	cbn	PROPN
ajoaa-1378	67	28	,	,	PUNCT
ajoaa-1378	67	29	2011	2011	NUM
ajoaa-1378	67	30	)	)	PUNCT
ajoaa-1378	67	31	.	.	PUNCT
ajoaa-1378	68	1	this	this	DET
ajoaa-1378	68	2	nigerian	nigerian	ADJ
ajoaa-1378	68	3	banking	banking	NOUN
ajoaa-1378	68	4	industry	industry	NOUN
ajoaa-1378	68	5	which	which	PRON
ajoaa-1378	68	6	is	be	AUX
ajoaa-1378	68	7	regulated	regulate	VERB
ajoaa-1378	68	8	by	by	ADP
ajoaa-1378	68	9	the	the	DET
ajoaa-1378	68	10	central	central	ADJ
ajoaa-1378	68	11	bank	bank	PROPN
ajoaa-1378	68	12	of	of	ADP
ajoaa-1378	68	13	nigeria	nigeria	PROPN
ajoaa-1378	68	14	is	be	AUX
ajoaa-1378	68	15	made	make	VERB
ajoaa-1378	68	16	up	up	ADP
ajoaa-1378	68	17	of	of	ADP
ajoaa-1378	68	18	deposit	deposit	NOUN
ajoaa-1378	68	19	money	money	NOUN
ajoaa-1378	68	20	banks	bank	NOUN
ajoaa-1378	68	21	,	,	PUNCT
ajoaa-1378	68	22	development	development	NOUN
ajoaa-1378	68	23	finance	finance	NOUN
ajoaa-1378	68	24	institution	institution	NOUN
ajoaa-1378	68	25	and	and	CCONJ
ajoaa-1378	68	26	other	other	ADJ
ajoaa-1378	68	27	financial	financial	ADJ
ajoaa-1378	68	28	institutions	institution	NOUN
ajoaa-1378	68	29	which	which	PRON
ajoaa-1378	68	30	include	include	VERB
ajoaa-1378	68	31	micro	micro	ADJ
ajoaa-1378	68	32	finance	finance	NOUN
ajoaa-1378	68	33	banks	bank	NOUN
ajoaa-1378	68	34	,	,	PUNCT
ajoaa-1378	68	35	finance	finance	NOUN
ajoaa-1378	68	36	companies	company	NOUN
ajoaa-1378	68	37	,	,	PUNCT
ajoaa-1378	68	38	bureau	bureau	NOUN
ajoaa-1378	68	39	de	de	NOUN
ajoaa-1378	68	40	changes	change	NOUN
ajoaa-1378	68	41	,	,	PUNCT
ajoaa-1378	68	42	discount	discount	NOUN
ajoaa-1378	68	43	houses	house	NOUN
ajoaa-1378	68	44	and	and	CCONJ
ajoaa-1378	68	45	primary	primary	ADJ
ajoaa-1378	68	46	mortgage	mortgage	NOUN
ajoaa-1378	68	47	institutions	institution	NOUN
ajoaa-1378	68	48	.	.	PUNCT
ajoaa-1378	69	1	as	as	ADP
ajoaa-1378	69	2	at	at	ADP
ajoaa-1378	69	3	december	december	PROPN
ajoaa-1378	69	4	2010	2010	NUM
ajoaa-1378	69	5	,	,	PUNCT
ajoaa-1378	69	6	the	the	DET
ajoaa-1378	69	7	banking	banking	NOUN
ajoaa-1378	69	8	industry	industry	NOUN
ajoaa-1378	69	9	included	include	VERB
ajoaa-1378	69	10	twenty	twenty	NUM
ajoaa-1378	69	11	four	four	NUM
ajoaa-1378	69	12	deposit	deposit	NOUN
ajoaa-1378	69	13	money	money	NOUN
ajoaa-1378	69	14	banks	bank	NOUN
ajoaa-1378	69	15	,	,	PUNCT
ajoaa-1378	69	16	five	five	NUM
ajoaa-1378	69	17	discount	discount	NOUN
ajoaa-1378	69	18	houses	house	NOUN
ajoaa-1378	69	19	,	,	PUNCT
ajoaa-1378	69	20	five	five	NUM
ajoaa-1378	69	21	development	development	NOUN
ajoaa-1378	69	22	finance	finance	NOUN
ajoaa-1378	69	23	institutions	institution	NOUN
ajoaa-1378	69	24	,	,	PUNCT
ajoaa-1378	69	25	one	one	NUM
ajoaa-1378	69	26	thousand	thousand	NUM
ajoaa-1378	69	27	five	five	NUM
ajoaa-1378	69	28	hundred	hundred	NUM
ajoaa-1378	69	29	and	and	CCONJ
ajoaa-1378	69	30	ninety	ninety	NUM
ajoaa-1378	69	31	-	-	PUNCT
ajoaa-1378	69	32	eight	eight	NUM
ajoaa-1378	69	33	bureau	bureau	NOUN
ajoaa-1378	69	34	de	de	X
ajoaa-1378	69	35	change	change	NOUN
ajoaa-1378	69	36	,	,	PUNCT
ajoaa-1378	69	37	one	one	NUM
ajoaa-1378	69	38	hundred	hundred	NUM
ajoaa-1378	69	39	and	and	CCONJ
ajoaa-1378	69	40	seven	seven	NUM
ajoaa-1378	69	41	finance	finance	NOUN
ajoaa-1378	69	42	companies	company	NOUN
ajoaa-1378	69	43	and	and	CCONJ
ajoaa-1378	69	44	eight	eight	NUM
ajoaa-1378	69	45	hundred	hundred	NUM
ajoaa-1378	69	46	and	and	CCONJ
ajoaa-1378	69	47	sixty	sixty	NUM
ajoaa-1378	69	48	-	-	PUNCT
ajoaa-1378	69	49	six	six	NUM
ajoaa-1378	69	50	micro	micro	ADJ
ajoaa-1378	69	51	finance	finance	NOUN
ajoaa-1378	69	52	banks	bank	NOUN
ajoaa-1378	69	53	(	(	PUNCT
ajoaa-1378	69	54	cbn	cbn	PROPN
ajoaa-1378	69	55	,	,	PUNCT
ajoaa-1378	69	56	1995	1995	NUM
ajoaa-1378	69	57	)	)	PUNCT
ajoaa-1378	69	58	.	.	PUNCT
ajoaa-1378	70	1	to	to	PART
ajoaa-1378	70	2	put	put	VERB
ajoaa-1378	70	3	micro	micro	ADJ
ajoaa-1378	70	4	finance	finance	NOUN
ajoaa-1378	70	5	in	in	ADP
ajoaa-1378	70	6	proper	proper	ADJ
ajoaa-1378	70	7	perspective	perspective	NOUN
ajoaa-1378	70	8	,	,	PUNCT
ajoaa-1378	70	9	the	the	DET
ajoaa-1378	70	10	nigerian	nigerian	ADJ
ajoaa-1378	70	11	government	government	NOUN
ajoaa-1378	70	12	launched	launch	VERB
ajoaa-1378	70	13	the	the	DET
ajoaa-1378	70	14	micro	micro	PROPN
ajoaa-1378	70	15	finance	finance	NOUN
ajoaa-1378	70	16	policy	policy	NOUN
ajoaa-1378	70	17	,	,	PUNCT
ajoaa-1378	70	18	regulating	regulate	VERB
ajoaa-1378	70	19	and	and	CCONJ
ajoaa-1378	70	20	supervisory	supervisory	ADJ
ajoaa-1378	70	21	frame	frame	NOUN
ajoaa-1378	70	22	work	work	NOUN
ajoaa-1378	70	23	for	for	ADP
ajoaa-1378	70	24	nigeria	nigeria	PROPN
ajoaa-1378	70	25	on	on	ADP
ajoaa-1378	70	26	15	15	NUM
ajoaa-1378	70	27	th	th	NUM
ajoaa-1378	70	28	december	december	PROPN
ajoaa-1378	70	29	,	,	PUNCT
ajoaa-1378	70	30	2005	2005	NUM
ajoaa-1378	70	31	.	.	PUNCT
ajoaa-1378	71	1	the	the	DET
ajoaa-1378	71	2	policy	policy	NOUN
ajoaa-1378	71	3	as	as	SCONJ
ajoaa-1378	71	4	stated	state	VERB
ajoaa-1378	71	5	by	by	ADP
ajoaa-1378	71	6	cbn	cbn	PROPN
ajoaa-1378	71	7	(	(	PUNCT
ajoaa-1378	71	8	2011	2011	NUM
ajoaa-1378	71	9	)	)	PUNCT
ajoaa-1378	71	10	,	,	PUNCT
ajoaa-1378	71	11	seeks	seek	VERB
ajoaa-1378	71	12	to	to	PART
ajoaa-1378	71	13	achieve	achieve	VERB
ajoaa-1378	71	14	the	the	DET
ajoaa-1378	71	15	following	follow	VERB
ajoaa-1378	71	16	targets	target	NOUN
ajoaa-1378	71	17	:	:	PUNCT
ajoaa-1378	71	18			NOUN
ajoaa-1378	71	19	cover	cover	VERB
ajoaa-1378	71	20	the	the	DET
ajoaa-1378	71	21	majority	majority	NOUN
ajoaa-1378	71	22	of	of	ADP
ajoaa-1378	71	23	the	the	DET
ajoaa-1378	71	24	poor	poor	ADJ
ajoaa-1378	71	25	but	but	CCONJ
ajoaa-1378	71	26	economically	economically	ADV
ajoaa-1378	71	27	active	active	ADJ
ajoaa-1378	71	28	population	population	NOUN
ajoaa-1378	71	29	by	by	ADP
ajoaa-1378	71	30	2020	2020	NUM
ajoaa-1378	71	31	.	.	PUNCT
ajoaa-1378	72	1			NOUN
ajoaa-1378	72	2	increase	increase	VERB
ajoaa-1378	72	3	the	the	DET
ajoaa-1378	72	4	share	share	NOUN
ajoaa-1378	72	5	of	of	ADP
ajoaa-1378	72	6	micro	micro	ADJ
ajoaa-1378	72	7	credit	credit	NOUN
ajoaa-1378	72	8	as	as	ADP
ajoaa-1378	72	9	a	a	DET
ajoaa-1378	72	10	percentage	percentage	NOUN
ajoaa-1378	72	11	of	of	ADP
ajoaa-1378	72	12	total	total	ADJ
ajoaa-1378	72	13	credit	credit	NOUN
ajoaa-1378	72	14	to	to	ADP
ajoaa-1378	72	15	the	the	DET
ajoaa-1378	72	16	economy	economy	NOUN
ajoaa-1378	72	17	from	from	ADP
ajoaa-1378	72	18	0.9	0.9	NUM
ajoaa-1378	72	19	percent	percent	NOUN
ajoaa-1378	72	20	in	in	ADP
ajoaa-1378	72	21	2005	2005	NUM
ajoaa-1378	72	22	to	to	ADP
ajoaa-1378	72	23	as	as	ADP
ajoaa-1378	72	24	at	at	ADV
ajoaa-1378	72	25	least	least	ADV
ajoaa-1378	72	26	20	20	NUM
ajoaa-1378	72	27	percent	percent	NOUN
ajoaa-1378	72	28	in	in	ADP
ajoaa-1378	72	29	2020	2020	NUM
ajoaa-1378	72	30	.	.	PUNCT
ajoaa-1378	73	1			NOUN
ajoaa-1378	73	2	increase	increase	VERB
ajoaa-1378	73	3	the	the	DET
ajoaa-1378	73	4	share	share	NOUN
ajoaa-1378	73	5	of	of	ADP
ajoaa-1378	73	6	micro	micro	ADJ
ajoaa-1378	73	7	credit	credit	NOUN
ajoaa-1378	73	8	as	as	ADP
ajoaa-1378	73	9	a	a	DET
ajoaa-1378	73	10	percentage	percentage	NOUN
ajoaa-1378	73	11	of	of	ADP
ajoaa-1378	73	12	gdp	gdp	NOUN
ajoaa-1378	73	13	from	from	ADP
ajoaa-1378	73	14	0.2	0.2	NUM
ajoaa-1378	73	15	percent	percent	NOUN
ajoaa-1378	73	16	in	in	ADP
ajoaa-1378	73	17	2005	2005	NUM
ajoaa-1378	73	18	to	to	ADP
ajoaa-1378	73	19	at	at	ADV
ajoaa-1378	73	20	least	least	ADV
ajoaa-1378	73	21	5	5	NUM
ajoaa-1378	73	22	percent	percent	NOUN
ajoaa-1378	73	23	in	in	ADP
ajoaa-1378	73	24	2020	2020	NUM
ajoaa-1378	73	25	.	.	PUNCT
ajoaa-1378	74	1			NOUN
ajoaa-1378	74	2	promote	promote	VERB
ajoaa-1378	74	3	the	the	DET
ajoaa-1378	74	4	participation	participation	NOUN
ajoaa-1378	74	5	of	of	ADP
ajoaa-1378	74	6	at	at	ADV
ajoaa-1378	74	7	least	least	ADV
ajoaa-1378	74	8	two	two	NUM
ajoaa-1378	74	9	-	-	PUNCT
ajoaa-1378	74	10	thirds	third	NOUN
ajoaa-1378	74	11	of	of	ADP
ajoaa-1378	74	12	state	state	NOUN
ajoaa-1378	74	13	and	and	CCONJ
ajoaa-1378	74	14	local	local	ADJ
ajoaa-1378	74	15	governments	government	NOUN
ajoaa-1378	74	16	in	in	ADP
ajoaa-1378	74	17	micro	micro	ADJ
ajoaa-1378	74	18	credit	credit	NOUN
ajoaa-1378	74	19	financing	financing	NOUN
ajoaa-1378	74	20	by	by	ADP
ajoaa-1378	74	21	2015	2015	NUM
ajoaa-1378	74	22	.	.	PUNCT
ajoaa-1378	75	1			PROPN
ajoaa-1378	75	2	improve	improve	VERB
ajoaa-1378	75	3	women	woman	NOUN
ajoaa-1378	75	4	’s	’s	PART
ajoaa-1378	75	5	access	access	NOUN
ajoaa-1378	75	6	to	to	ADP
ajoaa-1378	75	7	financial	financial	ADJ
ajoaa-1378	75	8	services	service	NOUN
ajoaa-1378	75	9	by	by	ADP
ajoaa-1378	75	10	5	5	NUM
ajoaa-1378	75	11	%	%	NOUN
ajoaa-1378	75	12	annually	annually	ADV
ajoaa-1378	75	13	;	;	PUNCT
ajoaa-1378	75	14	and	and	CCONJ
ajoaa-1378	75	15	,	,	PUNCT
ajoaa-1378	75	16			NOUN
ajoaa-1378	75	17	increase	increase	VERB
ajoaa-1378	75	18	the	the	DET
ajoaa-1378	75	19	number	number	NOUN
ajoaa-1378	75	20	of	of	ADP
ajoaa-1378	75	21	linkages	linkage	NOUN
ajoaa-1378	75	22	among	among	ADP
ajoaa-1378	75	23	universal	universal	ADJ
ajoaa-1378	75	24	banks	bank	NOUN
ajoaa-1378	75	25	,	,	PUNCT
ajoaa-1378	75	26	development	development	NOUN
ajoaa-1378	75	27	banks	bank	NOUN
ajoaa-1378	75	28	,	,	PUNCT
ajoaa-1378	75	29	specialized	specialized	ADJ
ajoaa-1378	75	30	finance	finance	NOUN
ajoaa-1378	75	31	institutions	institution	NOUN
ajoaa-1378	75	32	and	and	CCONJ
ajoaa-1378	75	33	microfinance	microfinance	NOUN
ajoaa-1378	75	34	banks	bank	NOUN
ajoaa-1378	75	35	by	by	ADP
ajoaa-1378	75	36	10	10	NUM
ajoaa-1378	75	37	%	%	NOUN
ajoaa-1378	75	38	annually	annually	ADV
ajoaa-1378	75	39	.	.	PUNCT
ajoaa-1378	76	1	1.3	1.3	NUM
ajoaa-1378	76	2	.	.	PUNCT
ajoaa-1378	76	3	practice	practice	NOUN
ajoaa-1378	76	4	of	of	ADP
ajoaa-1378	76	5	credit	credit	NOUN
ajoaa-1378	76	6	administration	administration	NOUN
ajoaa-1378	76	7	in	in	ADP
ajoaa-1378	76	8	financial	financial	ADJ
ajoaa-1378	76	9	institutions	institution	NOUN
ajoaa-1378	76	10	credit	credit	NOUN
ajoaa-1378	76	11	administration	administration	NOUN
ajoaa-1378	76	12	in	in	ADP
ajoaa-1378	76	13	financial	financial	ADJ
ajoaa-1378	76	14	institutions	institution	NOUN
ajoaa-1378	76	15	could	could	AUX
ajoaa-1378	76	16	be	be	AUX
ajoaa-1378	76	17	explained	explain	VERB
ajoaa-1378	76	18	as	as	ADP
ajoaa-1378	76	19	a	a	DET
ajoaa-1378	76	20	comprehensive	comprehensive	ADJ
ajoaa-1378	76	21	arrangement	arrangement	NOUN
ajoaa-1378	76	22	for	for	ADP
ajoaa-1378	76	23	funding	funding	NOUN
ajoaa-1378	76	24	,	,	PUNCT
ajoaa-1378	76	25	financing	financing	NOUN
ajoaa-1378	76	26	,	,	PUNCT
ajoaa-1378	76	27	or	or	CCONJ
ajoaa-1378	76	28	providing	provide	VERB
ajoaa-1378	76	29	the	the	DET
ajoaa-1378	76	30	needed	need	VERB
ajoaa-1378	76	31	facilities	facility	NOUN
ajoaa-1378	76	32	on	on	ADP
ajoaa-1378	76	33	deferred	defer	VERB
ajoaa-1378	76	34	payment	payment	NOUN
ajoaa-1378	76	35	basis	basis	NOUN
ajoaa-1378	76	36	for	for	ADP
ajoaa-1378	76	37	the	the	DET
ajoaa-1378	76	38	support	support	NOUN
ajoaa-1378	76	39	and	and	CCONJ
ajoaa-1378	76	40	promotion	promotion	NOUN
ajoaa-1378	76	41	of	of	ADP
ajoaa-1378	76	42	a	a	DET
ajoaa-1378	76	43	particular	particular	ADJ
ajoaa-1378	76	44	programme	programme	NOUN
ajoaa-1378	76	45	and	and	CCONJ
ajoaa-1378	76	46	the	the	DET
ajoaa-1378	76	47	economy	economy	NOUN
ajoaa-1378	76	48	(	(	PUNCT
ajoaa-1378	76	49	agene	agene	NOUN
ajoaa-1378	76	50	,	,	PUNCT
ajoaa-1378	76	51	1995	1995	NUM
ajoaa-1378	76	52	)	)	PUNCT
ajoaa-1378	76	53	.	.	PUNCT
ajoaa-1378	77	1	asian	asian	ADJ
ajoaa-1378	77	2	journal	journal	PROPN
ajoaa-1378	77	3	of	of	ADP
ajoaa-1378	77	4	agriculture	agriculture	NOUN
ajoaa-1378	77	5	and	and	CCONJ
ajoaa-1378	77	6	rural	rural	ADJ
ajoaa-1378	77	7	development	development	NOUN
ajoaa-1378	77	8	,	,	PUNCT
ajoaa-1378	77	9	5(2)2015	5(2)2015	NUM
ajoaa-1378	77	10	:	:	PUNCT
ajoaa-1378	77	11	42	42	NUM
ajoaa-1378	77	12	-	-	SYM
ajoaa-1378	77	13	52	52	NUM
ajoaa-1378	77	14	46	46	NUM
ajoaa-1378	77	15	usually	usually	ADV
ajoaa-1378	77	16	such	such	DET
ajoaa-1378	77	17	a	a	DET
ajoaa-1378	77	18	measure	measure	NOUN
ajoaa-1378	77	19	is	be	AUX
ajoaa-1378	77	20	intended	intend	VERB
ajoaa-1378	77	21	to	to	PART
ajoaa-1378	77	22	fill	fill	VERB
ajoaa-1378	77	23	a	a	DET
ajoaa-1378	77	24	missing	missing	ADJ
ajoaa-1378	77	25	gap	gap	NOUN
ajoaa-1378	77	26	that	that	PRON
ajoaa-1378	77	27	could	could	AUX
ajoaa-1378	77	28	hinder	hinder	VERB
ajoaa-1378	77	29	a	a	DET
ajoaa-1378	77	30	planned	planned	ADJ
ajoaa-1378	77	31	course	course	NOUN
ajoaa-1378	77	32	of	of	ADP
ajoaa-1378	77	33	action	action	NOUN
ajoaa-1378	77	34	geared	gear	VERB
ajoaa-1378	77	35	towards	towards	ADP
ajoaa-1378	77	36	achieving	achieve	VERB
ajoaa-1378	77	37	definite	definite	ADJ
ajoaa-1378	77	38	goals	goal	NOUN
ajoaa-1378	77	39	in	in	ADP
ajoaa-1378	77	40	agro	agro	ADJ
ajoaa-1378	77	41	-	-	PUNCT
ajoaa-1378	77	42	industrial	industrial	ADJ
ajoaa-1378	77	43	,	,	PUNCT
ajoaa-1378	77	44	marketing	marketing	NOUN
ajoaa-1378	77	45	,	,	PUNCT
ajoaa-1378	77	46	housing	housing	NOUN
ajoaa-1378	77	47	and	and	CCONJ
ajoaa-1378	77	48	other	other	ADJ
ajoaa-1378	77	49	sectors	sector	NOUN
ajoaa-1378	77	50	of	of	ADP
ajoaa-1378	77	51	the	the	DET
ajoaa-1378	77	52	economy	economy	NOUN
ajoaa-1378	77	53	.	.	PUNCT
ajoaa-1378	78	1	the	the	DET
ajoaa-1378	78	2	purpose	purpose	NOUN
ajoaa-1378	78	3	of	of	ADP
ajoaa-1378	78	4	a	a	DET
ajoaa-1378	78	5	financial	financial	ADJ
ajoaa-1378	78	6	institutions	institution	NOUN
ajoaa-1378	78	7	or	or	CCONJ
ajoaa-1378	78	8	organization	organization	NOUN
ajoaa-1378	78	9	is	be	AUX
ajoaa-1378	78	10	to	to	PART
ajoaa-1378	78	11	make	make	VERB
ajoaa-1378	78	12	credit	credit	NOUN
ajoaa-1378	78	13	facilities	facility	NOUN
ajoaa-1378	78	14	available	available	ADJ
ajoaa-1378	78	15	to	to	ADP
ajoaa-1378	78	16	members	member	NOUN
ajoaa-1378	78	17	of	of	ADP
ajoaa-1378	78	18	the	the	DET
ajoaa-1378	78	19	society	society	NOUN
ajoaa-1378	78	20	at	at	ADP
ajoaa-1378	78	21	a	a	DET
ajoaa-1378	78	22	reasonable	reasonable	ADJ
ajoaa-1378	78	23	cost	cost	NOUN
ajoaa-1378	78	24	or	or	CCONJ
ajoaa-1378	78	25	interest	interest	NOUN
ajoaa-1378	78	26	rate	rate	NOUN
ajoaa-1378	78	27	.	.	PUNCT
ajoaa-1378	79	1	a	a	DET
ajoaa-1378	79	2	great	great	ADJ
ajoaa-1378	79	3	deal	deal	NOUN
ajoaa-1378	79	4	of	of	ADP
ajoaa-1378	79	5	effort	effort	NOUN
ajoaa-1378	79	6	is	be	AUX
ajoaa-1378	79	7	required	require	VERB
ajoaa-1378	79	8	on	on	ADP
ajoaa-1378	79	9	the	the	DET
ajoaa-1378	79	10	part	part	NOUN
ajoaa-1378	79	11	of	of	ADP
ajoaa-1378	79	12	the	the	DET
ajoaa-1378	79	13	policy	policy	NOUN
ajoaa-1378	79	14	makers	maker	NOUN
ajoaa-1378	79	15	of	of	ADP
ajoaa-1378	79	16	financial	financial	ADJ
ajoaa-1378	79	17	institutions	institution	NOUN
ajoaa-1378	79	18	in	in	ADP
ajoaa-1378	79	19	their	their	PRON
ajoaa-1378	79	20	credit	credit	NOUN
ajoaa-1378	79	21	administration	administration	NOUN
ajoaa-1378	79	22	and	and	CCONJ
ajoaa-1378	79	23	processing	processing	NOUN
ajoaa-1378	79	24	to	to	ADP
ajoaa-1378	79	25	the	the	DET
ajoaa-1378	79	26	needy	needy	ADJ
ajoaa-1378	79	27	citizens	citizen	NOUN
ajoaa-1378	79	28	of	of	ADP
ajoaa-1378	79	29	the	the	DET
ajoaa-1378	79	30	country	country	NOUN
ajoaa-1378	79	31	(	(	PUNCT
ajoaa-1378	79	32	agene	agene	NOUN
ajoaa-1378	79	33	,	,	PUNCT
ajoaa-1378	79	34	1995	1995	NUM
ajoaa-1378	79	35	)	)	PUNCT
ajoaa-1378	79	36	.	.	PUNCT
ajoaa-1378	80	1	financial	financial	ADJ
ajoaa-1378	80	2	institutions	institution	NOUN
ajoaa-1378	80	3	give	give	VERB
ajoaa-1378	80	4	credit	credit	NOUN
ajoaa-1378	80	5	inform	inform	NOUN
ajoaa-1378	80	6	of	of	ADP
ajoaa-1378	80	7	loans	loan	NOUN
ajoaa-1378	80	8	either	either	CCONJ
ajoaa-1378	80	9	in	in	ADP
ajoaa-1378	80	10	the	the	DET
ajoaa-1378	80	11	form	form	NOUN
ajoaa-1378	80	12	of	of	ADP
ajoaa-1378	80	13	an	an	DET
ajoaa-1378	80	14	overdraft	overdraft	NOUN
ajoaa-1378	80	15	or	or	CCONJ
ajoaa-1378	80	16	a	a	DET
ajoaa-1378	80	17	full	full	ADJ
ajoaa-1378	80	18	loan	loan	NOUN
ajoaa-1378	80	19	.	.	PUNCT
ajoaa-1378	81	1	an	an	DET
ajoaa-1378	81	2	overdraft	overdraft	NOUN
ajoaa-1378	81	3	is	be	AUX
ajoaa-1378	81	4	a	a	DET
ajoaa-1378	81	5	facility	facility	NOUN
ajoaa-1378	81	6	to	to	PART
ajoaa-1378	81	7	draw	draw	VERB
ajoaa-1378	81	8	cheque	cheque	NOUN
ajoaa-1378	81	9	over	over	ADP
ajoaa-1378	81	10	and	and	CCONJ
ajoaa-1378	81	11	above	above	ADP
ajoaa-1378	81	12	the	the	DET
ajoaa-1378	81	13	amount	amount	NOUN
ajoaa-1378	81	14	shown	show	VERB
ajoaa-1378	81	15	in	in	ADP
ajoaa-1378	81	16	credit	credit	NOUN
ajoaa-1378	81	17	on	on	ADP
ajoaa-1378	81	18	a	a	DET
ajoaa-1378	81	19	customers	customer	NOUN
ajoaa-1378	81	20	’	’	PART
ajoaa-1378	81	21	current	current	ADJ
ajoaa-1378	81	22	account	account	NOUN
ajoaa-1378	81	23	.	.	PUNCT
ajoaa-1378	82	1	by	by	ADP
ajoaa-1378	82	2	this	this	DET
ajoaa-1378	82	3	method	method	NOUN
ajoaa-1378	82	4	the	the	DET
ajoaa-1378	82	5	financial	financial	ADJ
ajoaa-1378	82	6	institutions	institution	NOUN
ajoaa-1378	82	7	does	do	AUX
ajoaa-1378	82	8	not	not	PART
ajoaa-1378	82	9	know	know	VERB
ajoaa-1378	82	10	exactly	exactly	ADV
ajoaa-1378	82	11	how	how	SCONJ
ajoaa-1378	82	12	much	much	ADJ
ajoaa-1378	82	13	it	it	PRON
ajoaa-1378	82	14	will	will	AUX
ajoaa-1378	82	15	be	be	AUX
ajoaa-1378	82	16	asked	ask	VERB
ajoaa-1378	82	17	to	to	PART
ajoaa-1378	82	18	lend	lend	VERB
ajoaa-1378	82	19	but	but	CCONJ
ajoaa-1378	82	20	it	it	PRON
ajoaa-1378	82	21	usually	usually	ADV
ajoaa-1378	82	22	puts	put	VERB
ajoaa-1378	82	23	an	an	DET
ajoaa-1378	82	24	upper	upper	ADJ
ajoaa-1378	82	25	limit	limit	NOUN
ajoaa-1378	82	26	on	on	ADP
ajoaa-1378	82	27	the	the	DET
ajoaa-1378	82	28	overdraft	overdraft	NOUN
ajoaa-1378	82	29	facility	facility	NOUN
ajoaa-1378	82	30	in	in	ADP
ajoaa-1378	82	31	the	the	DET
ajoaa-1378	82	32	interest	interest	NOUN
ajoaa-1378	82	33	of	of	ADP
ajoaa-1378	82	34	the	the	DET
ajoaa-1378	82	35	financial	financial	ADJ
ajoaa-1378	82	36	institutions	institution	NOUN
ajoaa-1378	82	37	and	and	CCONJ
ajoaa-1378	82	38	the	the	DET
ajoaa-1378	82	39	customer	customer	NOUN
ajoaa-1378	82	40	.	.	PUNCT
ajoaa-1378	83	1	when	when	SCONJ
ajoaa-1378	83	2	a	a	DET
ajoaa-1378	83	3	customer	customer	NOUN
ajoaa-1378	83	4	takes	take	VERB
ajoaa-1378	83	5	his	his	PRON
ajoaa-1378	83	6	account	account	NOUN
ajoaa-1378	83	7	into	into	ADP
ajoaa-1378	83	8	overdraft	overdraft	NOUN
ajoaa-1378	83	9	without	without	ADP
ajoaa-1378	83	10	first	first	ADV
ajoaa-1378	83	11	having	having	AUX
ajoaa-1378	83	12	secured	secure	VERB
ajoaa-1378	83	13	the	the	DET
ajoaa-1378	83	14	financial	financial	ADJ
ajoaa-1378	83	15	institution	institution	NOUN
ajoaa-1378	83	16	permission	permission	NOUN
ajoaa-1378	83	17	,	,	PUNCT
ajoaa-1378	83	18	the	the	DET
ajoaa-1378	83	19	customer	customer	NOUN
ajoaa-1378	83	20	is	be	AUX
ajoaa-1378	83	21	acting	act	VERB
ajoaa-1378	83	22	illegally	illegally	ADV
ajoaa-1378	83	23	and	and	CCONJ
ajoaa-1378	83	24	the	the	DET
ajoaa-1378	83	25	financial	financial	ADJ
ajoaa-1378	83	26	institution	institution	NOUN
ajoaa-1378	83	27	is	be	AUX
ajoaa-1378	83	28	not	not	PART
ajoaa-1378	83	29	aware	aware	ADJ
ajoaa-1378	83	30	of	of	ADP
ajoaa-1378	83	31	its	its	PRON
ajoaa-1378	83	32	commitment	commitment	NOUN
ajoaa-1378	83	33	until	until	SCONJ
ajoaa-1378	83	34	a	a	DET
ajoaa-1378	83	35	formal	formal	ADJ
ajoaa-1378	83	36	agreement	agreement	NOUN
ajoaa-1378	83	37	is	be	AUX
ajoaa-1378	83	38	reached	reach	VERB
ajoaa-1378	83	39	.	.	PUNCT
ajoaa-1378	84	1	in	in	ADP
ajoaa-1378	84	2	the	the	DET
ajoaa-1378	84	3	case	case	NOUN
ajoaa-1378	84	4	of	of	ADP
ajoaa-1378	84	5	commercial	commercial	ADJ
ajoaa-1378	84	6	banks	bank	NOUN
ajoaa-1378	84	7	,	,	PUNCT
ajoaa-1378	84	8	for	for	SCONJ
ajoaa-1378	84	9	a	a	DET
ajoaa-1378	84	10	customer	customer	NOUN
ajoaa-1378	84	11	to	to	PART
ajoaa-1378	84	12	enjoy	enjoy	VERB
ajoaa-1378	84	13	this	this	DET
ajoaa-1378	84	14	facility	facility	NOUN
ajoaa-1378	84	15	,	,	PUNCT
ajoaa-1378	84	16	he	he	PRON
ajoaa-1378	84	17	must	must	AUX
ajoaa-1378	84	18	be	be	AUX
ajoaa-1378	84	19	operating	operate	VERB
ajoaa-1378	84	20	a	a	DET
ajoaa-1378	84	21	current	current	ADJ
ajoaa-1378	84	22	account	account	NOUN
ajoaa-1378	84	23	with	with	ADP
ajoaa-1378	84	24	his	his	PRON
ajoaa-1378	84	25	bank	bank	NOUN
ajoaa-1378	84	26	(	(	PUNCT
ajoaa-1378	84	27	okaro	okaro	NOUN
ajoaa-1378	84	28	and	and	CCONJ
ajoaa-1378	84	29	onyekwelu	onyekwelu	NOUN
ajoaa-1378	84	30	,	,	PUNCT
ajoaa-1378	84	31	2003	2003	NUM
ajoaa-1378	84	32	)	)	PUNCT
ajoaa-1378	84	33	.	.	PUNCT
ajoaa-1378	85	1	when	when	SCONJ
ajoaa-1378	85	2	a	a	DET
ajoaa-1378	85	3	loan	loan	NOUN
ajoaa-1378	85	4	is	be	AUX
ajoaa-1378	85	5	arranged	arrange	VERB
ajoaa-1378	85	6	the	the	DET
ajoaa-1378	85	7	bank	bank	NOUN
ajoaa-1378	85	8	adds	add	VERB
ajoaa-1378	85	9	the	the	DET
ajoaa-1378	85	10	amount	amount	NOUN
ajoaa-1378	85	11	to	to	ADP
ajoaa-1378	85	12	the	the	DET
ajoaa-1378	85	13	customers	customer	NOUN
ajoaa-1378	85	14	’	’	PART
ajoaa-1378	85	15	current	current	ADJ
ajoaa-1378	85	16	account	account	NOUN
ajoaa-1378	85	17	and	and	CCONJ
ajoaa-1378	85	18	opens	open	VERB
ajoaa-1378	85	19	up	up	ADP
ajoaa-1378	85	20	a	a	DET
ajoaa-1378	85	21	loan	loan	NOUN
ajoaa-1378	85	22	account	account	NOUN
ajoaa-1378	85	23	in	in	ADP
ajoaa-1378	85	24	the	the	DET
ajoaa-1378	85	25	name	name	NOUN
ajoaa-1378	85	26	of	of	ADP
ajoaa-1378	85	27	the	the	DET
ajoaa-1378	85	28	customers	customer	NOUN
ajoaa-1378	85	29	with	with	ADP
ajoaa-1378	85	30	the	the	DET
ajoaa-1378	85	31	balance	balance	NOUN
ajoaa-1378	85	32	in	in	ADP
ajoaa-1378	85	33	debit	debit	NOUN
ajoaa-1378	85	34	.	.	PUNCT
ajoaa-1378	86	1	when	when	SCONJ
ajoaa-1378	86	2	considering	consider	VERB
ajoaa-1378	86	3	whether	whether	SCONJ
ajoaa-1378	86	4	to	to	PART
ajoaa-1378	86	5	lend	lend	VERB
ajoaa-1378	86	6	money	money	NOUN
ajoaa-1378	86	7	to	to	ADP
ajoaa-1378	86	8	a	a	DET
ajoaa-1378	86	9	customer	customer	NOUN
ajoaa-1378	86	10	the	the	DET
ajoaa-1378	86	11	financial	financial	ADJ
ajoaa-1378	86	12	institution	institution	NOUN
ajoaa-1378	86	13	managers	manager	NOUN
ajoaa-1378	86	14	base	base	VERB
ajoaa-1378	86	15	their	their	PRON
ajoaa-1378	86	16	decisions	decision	NOUN
ajoaa-1378	86	17	on	on	ADP
ajoaa-1378	86	18	principles	principle	NOUN
ajoaa-1378	86	19	which	which	PRON
ajoaa-1378	86	20	have	have	AUX
ajoaa-1378	86	21	evolved	evolve	VERB
ajoaa-1378	86	22	over	over	ADP
ajoaa-1378	86	23	the	the	DET
ajoaa-1378	86	24	years	year	NOUN
ajoaa-1378	86	25	.	.	PUNCT
ajoaa-1378	87	1	basically	basically	ADV
ajoaa-1378	87	2	,	,	PUNCT
ajoaa-1378	87	3	the	the	DET
ajoaa-1378	87	4	manager	manager	NOUN
ajoaa-1378	87	5	is	be	AUX
ajoaa-1378	87	6	lending	lend	VERB
ajoaa-1378	87	7	to	to	ADP
ajoaa-1378	87	8	the	the	DET
ajoaa-1378	87	9	proposition	proposition	NOUN
ajoaa-1378	87	10	.	.	PUNCT
ajoaa-1378	88	1	this	this	PRON
ajoaa-1378	88	2	is	be	AUX
ajoaa-1378	88	3	the	the	DET
ajoaa-1378	88	4	proposal	proposal	NOUN
ajoaa-1378	88	5	the	the	DET
ajoaa-1378	88	6	customer	customer	NOUN
ajoaa-1378	88	7	brings	bring	VERB
ajoaa-1378	88	8	to	to	ADP
ajoaa-1378	88	9	the	the	DET
ajoaa-1378	88	10	manager	manager	NOUN
ajoaa-1378	88	11	in	in	ADP
ajoaa-1378	88	12	order	order	NOUN
ajoaa-1378	88	13	to	to	PART
ajoaa-1378	88	14	secure	secure	VERB
ajoaa-1378	88	15	loan	loan	NOUN
ajoaa-1378	88	16	.	.	PUNCT
ajoaa-1378	89	1	this	this	PRON
ajoaa-1378	89	2	is	be	AUX
ajoaa-1378	89	3	not	not	PART
ajoaa-1378	89	4	just	just	ADV
ajoaa-1378	89	5	the	the	DET
ajoaa-1378	89	6	use	use	NOUN
ajoaa-1378	89	7	to	to	PART
ajoaa-1378	89	8	which	which	PRON
ajoaa-1378	89	9	the	the	DET
ajoaa-1378	89	10	money	money	NOUN
ajoaa-1378	89	11	will	will	AUX
ajoaa-1378	89	12	be	be	AUX
ajoaa-1378	89	13	put	put	VERB
ajoaa-1378	89	14	.	.	PUNCT
ajoaa-1378	90	1	the	the	DET
ajoaa-1378	90	2	manager	manager	NOUN
ajoaa-1378	90	3	goes	go	VERB
ajoaa-1378	90	4	through	through	ADP
ajoaa-1378	90	5	the	the	DET
ajoaa-1378	90	6	proposal	proposal	NOUN
ajoaa-1378	90	7	and	and	CCONJ
ajoaa-1378	90	8	then	then	ADV
ajoaa-1378	90	9	using	use	VERB
ajoaa-1378	90	10	these	these	DET
ajoaa-1378	90	11	principles	principle	NOUN
ajoaa-1378	90	12	and	and	CCONJ
ajoaa-1378	90	13	his	his	PRON
ajoaa-1378	90	14	experience	experience	NOUN
ajoaa-1378	90	15	decides	decide	VERB
ajoaa-1378	90	16	whether	whether	SCONJ
ajoaa-1378	90	17	or	or	CCONJ
ajoaa-1378	90	18	not	not	PART
ajoaa-1378	90	19	to	to	PART
ajoaa-1378	90	20	grant	grant	VERB
ajoaa-1378	90	21	the	the	DET
ajoaa-1378	90	22	loan	loan	NOUN
ajoaa-1378	90	23	.	.	PUNCT
ajoaa-1378	91	1	he	he	PRON
ajoaa-1378	91	2	does	do	AUX
ajoaa-1378	91	3	not	not	PART
ajoaa-1378	91	4	apply	apply	VERB
ajoaa-1378	91	5	these	these	DET
ajoaa-1378	91	6	principles	principle	NOUN
ajoaa-1378	91	7	strictly	strictly	ADV
ajoaa-1378	91	8	at	at	ADP
ajoaa-1378	91	9	all	all	DET
ajoaa-1378	91	10	times	time	NOUN
ajoaa-1378	91	11	but	but	CCONJ
ajoaa-1378	91	12	has	have	VERB
ajoaa-1378	91	13	the	the	DET
ajoaa-1378	91	14	power	power	NOUN
ajoaa-1378	91	15	to	to	PART
ajoaa-1378	91	16	grant	grant	VERB
ajoaa-1378	91	17	a	a	DET
ajoaa-1378	91	18	loan	loan	NOUN
ajoaa-1378	91	19	even	even	ADV
ajoaa-1378	91	20	if	if	SCONJ
ajoaa-1378	91	21	it	it	PRON
ajoaa-1378	91	22	is	be	AUX
ajoaa-1378	91	23	seen	see	VERB
ajoaa-1378	91	24	as	as	ADP
ajoaa-1378	91	25	an	an	DET
ajoaa-1378	91	26	extremely	extremely	ADV
ajoaa-1378	91	27	high	high	ADJ
ajoaa-1378	91	28	risk	risk	NOUN
ajoaa-1378	91	29	.	.	PUNCT
ajoaa-1378	92	1	it	it	PRON
ajoaa-1378	92	2	may	may	AUX
ajoaa-1378	92	3	be	be	AUX
ajoaa-1378	92	4	that	that	SCONJ
ajoaa-1378	92	5	,	,	PUNCT
ajoaa-1378	92	6	he	he	PRON
ajoaa-1378	92	7	or	or	CCONJ
ajoaa-1378	92	8	she	she	PRON
ajoaa-1378	92	9	wishes	wish	VERB
ajoaa-1378	92	10	to	to	PART
ajoaa-1378	92	11	foster	foster	VERB
ajoaa-1378	92	12	a	a	DET
ajoaa-1378	92	13	very	very	ADV
ajoaa-1378	92	14	useful	useful	ADJ
ajoaa-1378	92	15	connection	connection	NOUN
ajoaa-1378	92	16	.	.	PUNCT
ajoaa-1378	93	1	this	this	PRON
ajoaa-1378	93	2	is	be	AUX
ajoaa-1378	93	3	where	where	SCONJ
ajoaa-1378	93	4	the	the	DET
ajoaa-1378	93	5	art	art	NOUN
ajoaa-1378	93	6	of	of	ADP
ajoaa-1378	93	7	lending	lending	NOUN
ajoaa-1378	93	8	comes	come	VERB
ajoaa-1378	93	9	in	in	ADV
ajoaa-1378	93	10	;	;	PUNCT
ajoaa-1378	93	11	for	for	SCONJ
ajoaa-1378	93	12	he	he	PRON
ajoaa-1378	93	13	needs	need	VERB
ajoaa-1378	93	14	to	to	PART
ajoaa-1378	93	15	be	be	AUX
ajoaa-1378	93	16	able	able	ADJ
ajoaa-1378	93	17	to	to	PART
ajoaa-1378	93	18	know	know	VERB
ajoaa-1378	93	19	just	just	ADV
ajoaa-1378	93	20	when	when	SCONJ
ajoaa-1378	93	21	to	to	PART
ajoaa-1378	93	22	accept	accept	VERB
ajoaa-1378	93	23	a	a	DET
ajoaa-1378	93	24	risk	risk	NOUN
ajoaa-1378	93	25	with	with	ADP
ajoaa-1378	93	26	the	the	DET
ajoaa-1378	93	27	hope	hope	NOUN
ajoaa-1378	93	28	that	that	SCONJ
ajoaa-1378	93	29	it	it	PRON
ajoaa-1378	93	30	will	will	AUX
ajoaa-1378	93	31	end	end	VERB
ajoaa-1378	93	32	up	up	ADP
ajoaa-1378	93	33	profitable	profitable	ADJ
ajoaa-1378	93	34	for	for	ADP
ajoaa-1378	93	35	all	all	PRON
ajoaa-1378	93	36	concerned	concerned	ADJ
ajoaa-1378	93	37	.	.	PUNCT
ajoaa-1378	94	1	however	however	ADV
ajoaa-1378	94	2	,	,	PUNCT
ajoaa-1378	94	3	in	in	ADP
ajoaa-1378	94	4	nature	nature	NOUN
ajoaa-1378	94	5	of	of	ADP
ajoaa-1378	94	6	credit	credit	NOUN
ajoaa-1378	94	7	administration	administration	NOUN
ajoaa-1378	94	8	,	,	PUNCT
ajoaa-1378	94	9	more	more	ADV
ajoaa-1378	94	10	often	often	ADV
ajoaa-1378	94	11	than	than	ADP
ajoaa-1378	94	12	not	not	PART
ajoaa-1378	94	13	financial	financial	ADJ
ajoaa-1378	94	14	institutions	institution	NOUN
ajoaa-1378	94	15	managers	manager	NOUN
ajoaa-1378	94	16	are	be	AUX
ajoaa-1378	94	17	very	very	ADV
ajoaa-1378	94	18	careful	careful	ADJ
ajoaa-1378	94	19	about	about	ADP
ajoaa-1378	94	20	lending	lending	NOUN
ajoaa-1378	94	21	,	,	PUNCT
ajoaa-1378	94	22	so	so	SCONJ
ajoaa-1378	94	23	that	that	SCONJ
ajoaa-1378	94	24	generally	generally	ADV
ajoaa-1378	94	25	only	only	ADV
ajoaa-1378	94	26	reasonable	reasonable	ADJ
ajoaa-1378	94	27	safe	safe	ADJ
ajoaa-1378	94	28	and	and	CCONJ
ajoaa-1378	94	29	secure	secure	ADJ
ajoaa-1378	94	30	prepositions	preposition	NOUN
ajoaa-1378	94	31	are	be	AUX
ajoaa-1378	94	32	accepted	accept	VERB
ajoaa-1378	94	33	.	.	PUNCT
ajoaa-1378	95	1	2	2	X
ajoaa-1378	95	2	.	.	X
ajoaa-1378	95	3	methodology	methodology	NOUN
ajoaa-1378	95	4	the	the	DET
ajoaa-1378	95	5	type	type	NOUN
ajoaa-1378	95	6	of	of	ADP
ajoaa-1378	95	7	research	research	NOUN
ajoaa-1378	95	8	design	design	NOUN
ajoaa-1378	95	9	adopted	adopt	VERB
ajoaa-1378	95	10	for	for	ADP
ajoaa-1378	95	11	this	this	DET
ajoaa-1378	95	12	study	study	NOUN
ajoaa-1378	95	13	was	be	AUX
ajoaa-1378	95	14	survey	survey	NOUN
ajoaa-1378	95	15	research	research	NOUN
ajoaa-1378	95	16	design	design	NOUN
ajoaa-1378	95	17	which	which	PRON
ajoaa-1378	95	18	involves	involve	VERB
ajoaa-1378	95	19	collecting	collect	VERB
ajoaa-1378	95	20	and	and	CCONJ
ajoaa-1378	95	21	analyzing	analyzing	NOUN
ajoaa-1378	95	22	of	of	ADP
ajoaa-1378	95	23	data	datum	NOUN
ajoaa-1378	95	24	so	so	SCONJ
ajoaa-1378	95	25	as	as	SCONJ
ajoaa-1378	95	26	to	to	PART
ajoaa-1378	95	27	achieve	achieve	VERB
ajoaa-1378	95	28	the	the	DET
ajoaa-1378	95	29	objectives	objective	NOUN
ajoaa-1378	95	30	of	of	ADP
ajoaa-1378	95	31	the	the	DET
ajoaa-1378	95	32	study	study	NOUN
ajoaa-1378	95	33	.	.	PUNCT
ajoaa-1378	96	1	the	the	DET
ajoaa-1378	96	2	study	study	NOUN
ajoaa-1378	96	3	area	area	NOUN
ajoaa-1378	96	4	is	be	AUX
ajoaa-1378	96	5	anambra	anambra	PROPN
ajoaa-1378	96	6	state	state	NOUN
ajoaa-1378	96	7	which	which	PRON
ajoaa-1378	96	8	has	have	VERB
ajoaa-1378	96	9	21	21	NUM
ajoaa-1378	96	10	local	local	ADJ
ajoaa-1378	96	11	government	government	NOUN
ajoaa-1378	96	12	areas	area	NOUN
ajoaa-1378	96	13	,	,	PUNCT
ajoaa-1378	96	14	with	with	ADP
ajoaa-1378	96	15	3	3	NUM
ajoaa-1378	96	16	senatorial	senatorial	ADJ
ajoaa-1378	96	17	seats	seat	NOUN
ajoaa-1378	96	18	,	,	PUNCT
ajoaa-1378	96	19	but	but	CCONJ
ajoaa-1378	96	20	among	among	ADP
ajoaa-1378	96	21	all	all	PRON
ajoaa-1378	96	22	,	,	PUNCT
ajoaa-1378	96	23	3	3	NUM
ajoaa-1378	96	24	local	local	ADJ
ajoaa-1378	96	25	government	government	NOUN
ajoaa-1378	96	26	areas	area	NOUN
ajoaa-1378	96	27	were	be	AUX
ajoaa-1378	96	28	choose	choose	ADJ
ajoaa-1378	96	29	for	for	ADP
ajoaa-1378	96	30	the	the	DET
ajoaa-1378	96	31	purpose	purpose	NOUN
ajoaa-1378	96	32	of	of	ADP
ajoaa-1378	96	33	this	this	DET
ajoaa-1378	96	34	study	study	NOUN
ajoaa-1378	96	35	and	and	CCONJ
ajoaa-1378	96	36	they	they	PRON
ajoaa-1378	96	37	are	be	AUX
ajoaa-1378	96	38	ihiala	ihiala	NOUN
ajoaa-1378	96	39	,	,	PUNCT
ajoaa-1378	96	40	aniocha	aniocha	ADJ
ajoaa-1378	96	41	and	and	CCONJ
ajoaa-1378	96	42	anambra	anambra	PROPN
ajoaa-1378	96	43	east	east	PROPN
ajoaa-1378	96	44	local	local	ADJ
ajoaa-1378	96	45	government	government	NOUN
ajoaa-1378	96	46	areas	area	NOUN
ajoaa-1378	96	47	representing	represent	VERB
ajoaa-1378	96	48	respectively	respectively	ADV
ajoaa-1378	96	49	the	the	DET
ajoaa-1378	96	50	three	three	NUM
ajoaa-1378	96	51	senatorial	senatorial	ADJ
ajoaa-1378	96	52	zones	zone	NOUN
ajoaa-1378	96	53	in	in	ADP
ajoaa-1378	96	54	anambra	anambra	PROPN
ajoaa-1378	96	55	state	state	NOUN
ajoaa-1378	96	56	.	.	PUNCT
ajoaa-1378	97	1	these	these	DET
ajoaa-1378	97	2	local	local	ADJ
ajoaa-1378	97	3	government	government	NOUN
ajoaa-1378	97	4	areas	area	NOUN
ajoaa-1378	97	5	comprises	comprise	NOUN
ajoaa-1378	97	6	of	of	ADP
ajoaa-1378	97	7	typical	typical	ADJ
ajoaa-1378	97	8	rural	rural	ADJ
ajoaa-1378	97	9	communities	community	NOUN
ajoaa-1378	97	10	in	in	ADP
ajoaa-1378	97	11	which	which	PRON
ajoaa-1378	97	12	their	their	PRON
ajoaa-1378	97	13	main	main	ADJ
ajoaa-1378	97	14	economic	economic	ADJ
ajoaa-1378	97	15	activities	activity	NOUN
ajoaa-1378	97	16	are	be	AUX
ajoaa-1378	97	17	basically	basically	ADV
ajoaa-1378	97	18	agricultural	agricultural	ADJ
ajoaa-1378	97	19	production	production	NOUN
ajoaa-1378	97	20	,	,	PUNCT
ajoaa-1378	97	21	craft	craft	NOUN
ajoaa-1378	97	22	making	making	NOUN
ajoaa-1378	97	23	and	and	CCONJ
ajoaa-1378	97	24	other	other	ADJ
ajoaa-1378	97	25	small	small	ADJ
ajoaa-1378	97	26	scale	scale	NOUN
ajoaa-1378	97	27	enterprises	enterprise	NOUN
ajoaa-1378	97	28	that	that	PRON
ajoaa-1378	97	29	are	be	AUX
ajoaa-1378	97	30	part	part	NOUN
ajoaa-1378	97	31	of	of	ADP
ajoaa-1378	97	32	informal	informal	ADJ
ajoaa-1378	97	33	sector	sector	NOUN
ajoaa-1378	97	34	.	.	PUNCT
ajoaa-1378	98	1	the	the	DET
ajoaa-1378	98	2	population	population	NOUN
ajoaa-1378	98	3	of	of	ADP
ajoaa-1378	98	4	the	the	DET
ajoaa-1378	98	5	study	study	NOUN
ajoaa-1378	98	6	consists	consist	VERB
ajoaa-1378	98	7	of	of	ADP
ajoaa-1378	98	8	eleven	eleven	NUM
ajoaa-1378	98	9	(	(	PUNCT
ajoaa-1378	98	10	11	11	NUM
ajoaa-1378	98	11	)	)	PUNCT
ajoaa-1378	98	12	licensed	licensed	ADJ
ajoaa-1378	98	13	and	and	CCONJ
ajoaa-1378	98	14	functional	functional	ADJ
ajoaa-1378	98	15	micro	micro	ADJ
ajoaa-1378	98	16	finance	finance	NOUN
ajoaa-1378	98	17	banks	bank	NOUN
ajoaa-1378	98	18	in	in	ADP
ajoaa-1378	98	19	the	the	DET
ajoaa-1378	98	20	lgas	lgas	NOUN
ajoaa-1378	98	21	.	.	PUNCT
ajoaa-1378	99	1	all	all	ADV
ajoaa-1378	99	2	together	together	ADV
ajoaa-1378	99	3	,	,	PUNCT
ajoaa-1378	99	4	these	these	DET
ajoaa-1378	99	5	mfbs	mfbs	NOUN
ajoaa-1378	99	6	have	have	VERB
ajoaa-1378	99	7	86	86	NUM
ajoaa-1378	99	8	credit	credit	NOUN
ajoaa-1378	99	9	officers	officer	NOUN
ajoaa-1378	99	10	of	of	ADP
ajoaa-1378	99	11	which	which	PRON
ajoaa-1378	99	12	simple	simple	ADJ
ajoaa-1378	99	13	random	random	ADJ
ajoaa-1378	99	14	sampling	sampling	NOUN
ajoaa-1378	99	15	method	method	NOUN
ajoaa-1378	99	16	was	be	AUX
ajoaa-1378	99	17	used	use	VERB
ajoaa-1378	99	18	to	to	PART
ajoaa-1378	99	19	determine	determine	VERB
ajoaa-1378	99	20	the	the	DET
ajoaa-1378	99	21	sample	sample	NOUN
ajoaa-1378	99	22	size	size	NOUN
ajoaa-1378	99	23	.	.	PUNCT
ajoaa-1378	100	1	four	four	NUM
ajoaa-1378	100	2	(	(	PUNCT
ajoaa-1378	100	3	4	4	NUM
ajoaa-1378	100	4	)	)	PUNCT
ajoaa-1378	100	5	credit	credit	NOUN
ajoaa-1378	100	6	officers	officer	NOUN
ajoaa-1378	100	7	each	each	PRON
ajoaa-1378	100	8	were	be	AUX
ajoaa-1378	100	9	randomly	randomly	ADV
ajoaa-1378	100	10	selected	select	VERB
ajoaa-1378	100	11	from	from	ADP
ajoaa-1378	100	12	the	the	DET
ajoaa-1378	100	13	11	11	NUM
ajoaa-1378	100	14	mfbs	mfbs	NOUN
ajoaa-1378	100	15	,	,	PUNCT
ajoaa-1378	100	16	thereby	thereby	ADV
ajoaa-1378	100	17	making	make	VERB
ajoaa-1378	100	18	the	the	DET
ajoaa-1378	100	19	sample	sample	NOUN
ajoaa-1378	100	20	size	size	NOUN
ajoaa-1378	100	21	44	44	NUM
ajoaa-1378	100	22	credit	credit	NOUN
ajoaa-1378	100	23	officers	officer	NOUN
ajoaa-1378	100	24	.	.	PUNCT
ajoaa-1378	101	1	data	datum	NOUN
ajoaa-1378	101	2	were	be	AUX
ajoaa-1378	101	3	collected	collect	VERB
ajoaa-1378	101	4	with	with	ADP
ajoaa-1378	101	5	the	the	DET
ajoaa-1378	101	6	use	use	NOUN
ajoaa-1378	101	7	of	of	ADP
ajoaa-1378	101	8	structured	structured	ADJ
ajoaa-1378	101	9	questionnaires	questionnaire	NOUN
ajoaa-1378	101	10	and	and	CCONJ
ajoaa-1378	101	11	then	then	ADV
ajoaa-1378	101	12	analyzed	analyze	VERB
ajoaa-1378	101	13	with	with	ADP
ajoaa-1378	101	14	the	the	DET
ajoaa-1378	101	15	descriptive	descriptive	ADJ
ajoaa-1378	101	16	statistics	statistic	NOUN
ajoaa-1378	101	17	.	.	PUNCT
ajoaa-1378	102	1	the	the	DET
ajoaa-1378	102	2	hypotheses	hypothesis	NOUN
ajoaa-1378	102	3	formed	form	VERB
ajoaa-1378	102	4	were	be	AUX
ajoaa-1378	102	5	subjected	subject	VERB
ajoaa-1378	102	6	to	to	ADP
ajoaa-1378	102	7	chi	chi	PROPN
ajoaa-1378	102	8	square	square	PROPN
ajoaa-1378	102	9	(	(	PUNCT
ajoaa-1378	102	10	x	x	SYM
ajoaa-1378	102	11	2	2	X
ajoaa-1378	102	12	)	)	PUNCT
ajoaa-1378	102	13	test	test	NOUN
ajoaa-1378	102	14	.	.	PUNCT
ajoaa-1378	103	1	asian	asian	ADJ
ajoaa-1378	103	2	journal	journal	PROPN
ajoaa-1378	103	3	of	of	ADP
ajoaa-1378	103	4	agriculture	agriculture	NOUN
ajoaa-1378	103	5	and	and	CCONJ
ajoaa-1378	103	6	rural	rural	ADJ
ajoaa-1378	103	7	development	development	NOUN
ajoaa-1378	103	8	,	,	PUNCT
ajoaa-1378	103	9	5(2)2015	5(2)2015	NUM
ajoaa-1378	103	10	:	:	PUNCT
ajoaa-1378	103	11	42	42	NUM
ajoaa-1378	103	12	-	-	SYM
ajoaa-1378	103	13	52	52	NUM
ajoaa-1378	103	14	47	47	NUM
ajoaa-1378	104	1	it	it	PRON
ajoaa-1378	104	2	is	be	AUX
ajoaa-1378	104	3	important	important	ADJ
ajoaa-1378	104	4	to	to	PART
ajoaa-1378	104	5	note	note	VERB
ajoaa-1378	104	6	that	that	SCONJ
ajoaa-1378	104	7	out	out	ADP
ajoaa-1378	104	8	of	of	ADP
ajoaa-1378	104	9	44	44	NUM
ajoaa-1378	104	10	questionnaires	questionnaire	NOUN
ajoaa-1378	104	11	administered	administer	VERB
ajoaa-1378	104	12	only	only	ADV
ajoaa-1378	104	13	36	36	NUM
ajoaa-1378	104	14	questionnaire	questionnaire	NOUN
ajoaa-1378	104	15	was	be	AUX
ajoaa-1378	104	16	duly	duly	ADV
ajoaa-1378	104	17	filled	fill	VERB
ajoaa-1378	104	18	and	and	CCONJ
ajoaa-1378	104	19	returned	return	VERB
ajoaa-1378	104	20	.	.	PUNCT
ajoaa-1378	105	1	3	3	X
ajoaa-1378	105	2	.	.	NOUN
ajoaa-1378	105	3	results	result	NOUN
ajoaa-1378	105	4	and	and	CCONJ
ajoaa-1378	105	5	discussion	discussion	NOUN
ajoaa-1378	105	6	3.1	3.1	NUM
ajoaa-1378	105	7	.	.	PUNCT
ajoaa-1378	105	8	credit	credit	NOUN
ajoaa-1378	105	9	officer	officer	NOUN
ajoaa-1378	105	10	knowledge	knowledge	NOUN
ajoaa-1378	105	11	about	about	ADP
ajoaa-1378	105	12	credit	credit	NOUN
ajoaa-1378	105	13	extension	extension	NOUN
ajoaa-1378	105	14	services	service	NOUN
ajoaa-1378	105	15	table	table	NOUN
ajoaa-1378	105	16	1	1	NUM
ajoaa-1378	105	17	:	:	PUNCT
ajoaa-1378	105	18	responses	response	NOUN
ajoaa-1378	105	19	of	of	ADP
ajoaa-1378	105	20	credit	credit	NOUN
ajoaa-1378	105	21	officers	officer	NOUN
ajoaa-1378	105	22	of	of	ADP
ajoaa-1378	105	23	mfbs	mfbs	NOUN
ajoaa-1378	105	24	on	on	ADP
ajoaa-1378	105	25	knowledge	knowledge	NOUN
ajoaa-1378	105	26	about	about	ADP
ajoaa-1378	105	27	their	their	PRON
ajoaa-1378	105	28	extension	extension	NOUN
ajoaa-1378	105	29	service	service	NOUN
ajoaa-1378	105	30	needs	need	VERB
ajoaa-1378	105	31	s	s	PART
ajoaa-1378	105	32	/	/	SYM
ajoaa-1378	105	33	n	n	CCONJ
ajoaa-1378	105	34	credit	credit	NOUN
ajoaa-1378	105	35	extension	extension	NOUN
ajoaa-1378	105	36	services	service	NOUN
ajoaa-1378	105	37	fx	fx	NOUN
ajoaa-1378	105	38	mean	mean	VERB
ajoaa-1378	105	39	(	(	PUNCT
ajoaa-1378	105	40	x	x	NOUN
ajoaa-1378	105	41	)	)	PUNCT
ajoaa-1378	105	42	decision	decision	NOUN
ajoaa-1378	105	43	a	a	DET
ajoaa-1378	105	44	design	design	NOUN
ajoaa-1378	105	45	and	and	CCONJ
ajoaa-1378	105	46	preparation	preparation	NOUN
ajoaa-1378	105	47	of	of	ADP
ajoaa-1378	105	48	mfbs	mfbs	PROPN
ajoaa-1378	105	49	credit	credit	NOUN
ajoaa-1378	105	50	policy	policy	NOUN
ajoaa-1378	106	1	144	144	NUM
ajoaa-1378	106	2	4.0	4.0	NUM
ajoaa-1378	106	3	knowledgeable	knowledgeable	ADJ
ajoaa-1378	106	4	b	b	PROPN
ajoaa-1378	106	5	collection	collection	NOUN
ajoaa-1378	106	6	,	,	PUNCT
ajoaa-1378	106	7	compilation	compilation	NOUN
ajoaa-1378	106	8	and	and	CCONJ
ajoaa-1378	106	9	analysis	analysis	NOUN
ajoaa-1378	106	10	of	of	ADP
ajoaa-1378	106	11	client	client	NOUN
ajoaa-1378	106	12	data	datum	NOUN
ajoaa-1378	106	13	132	132	NUM
ajoaa-1378	106	14	3.67	3.67	NUM
ajoaa-1378	106	15	knowledgeable	knowledgeable	NOUN
ajoaa-1378	106	16	c	c	NOUN
ajoaa-1378	106	17	engage	engage	VERB
ajoaa-1378	106	18	in	in	ADP
ajoaa-1378	106	19	appropriate	appropriate	ADJ
ajoaa-1378	106	20	working	work	VERB
ajoaa-1378	106	21	out	out	ADP
ajoaa-1378	106	22	viability	viability	NOUN
ajoaa-1378	106	23	of	of	ADP
ajoaa-1378	106	24	credit	credit	NOUN
ajoaa-1378	106	25	needs	need	NOUN
ajoaa-1378	106	26	of	of	ADP
ajoaa-1378	106	27	mfb	mfb	NOUN
ajoaa-1378	106	28	clients	client	NOUN
ajoaa-1378	106	29	141	141	NUM
ajoaa-1378	106	30	3.9	3.9	NUM
ajoaa-1378	106	31	knowledgeable	knowledgeable	ADJ
ajoaa-1378	106	32	d	d	NOUN
ajoaa-1378	106	33	preparation	preparation	NOUN
ajoaa-1378	106	34	of	of	ADP
ajoaa-1378	106	35	credit	credit	NOUN
ajoaa-1378	106	36	recovery	recovery	NOUN
ajoaa-1378	106	37	schedule	schedule	NOUN
ajoaa-1378	106	38	of	of	ADP
ajoaa-1378	106	39	loanees	loanee	NOUN
ajoaa-1378	106	40	153	153	NUM
ajoaa-1378	106	41	4.25	4.25	NUM
ajoaa-1378	106	42	knowledgeable	knowledgeable	ADJ
ajoaa-1378	106	43	e	e	NOUN
ajoaa-1378	106	44	submission	submission	NOUN
ajoaa-1378	106	45	of	of	ADP
ajoaa-1378	106	46	proposal	proposal	NOUN
ajoaa-1378	106	47	for	for	ADP
ajoaa-1378	106	48	review	review	NOUN
ajoaa-1378	106	49	of	of	ADP
ajoaa-1378	106	50	mfb	mfb	NOUN
ajoaa-1378	106	51	credit	credit	NOUN
ajoaa-1378	106	52	policy	policy	NOUN
ajoaa-1378	106	53	115	115	NUM
ajoaa-1378	106	54	3.2	3.2	NUM
ajoaa-1378	106	55	knowledgeable	knowledgeable	ADJ
ajoaa-1378	106	56	f	f	NOUN
ajoaa-1378	106	57	identification	identification	NOUN
ajoaa-1378	106	58	and	and	CCONJ
ajoaa-1378	106	59	relationship	relationship	NOUN
ajoaa-1378	106	60	with	with	ADP
ajoaa-1378	106	61	good	good	ADJ
ajoaa-1378	106	62	individual	individual	NOUN
ajoaa-1378	106	63	and	and	CCONJ
ajoaa-1378	106	64	group	group	NOUN
ajoaa-1378	106	65	140	140	NUM
ajoaa-1378	106	66	3.89	3.89	NUM
ajoaa-1378	106	67	knowledgeable	knowledgeable	ADJ
ajoaa-1378	106	68	g	g	NOUN
ajoaa-1378	106	69	training	training	NOUN
ajoaa-1378	106	70	and	and	CCONJ
ajoaa-1378	106	71	development	development	NOUN
ajoaa-1378	106	72	of	of	ADP
ajoaa-1378	106	73	credit	credit	NOUN
ajoaa-1378	106	74	clients	client	NOUN
ajoaa-1378	106	75	147	147	NUM
ajoaa-1378	106	76	4.08	4.08	NUM
ajoaa-1378	106	77	knowledgeable	knowledgeable	ADJ
ajoaa-1378	106	78	h	h	NOUN
ajoaa-1378	106	79	formation	formation	NOUN
ajoaa-1378	106	80	of	of	ADP
ajoaa-1378	106	81	credit	credit	NOUN
ajoaa-1378	106	82	groups	group	NOUN
ajoaa-1378	106	83	for	for	ADP
ajoaa-1378	106	84	linkages	linkage	NOUN
ajoaa-1378	106	85	with	with	ADP
ajoaa-1378	106	86	mfb	mfb	NOUN
ajoaa-1378	106	87	120	120	NUM
ajoaa-1378	106	88	3.33	3.33	NUM
ajoaa-1378	106	89	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	1	i	i	PRON
ajoaa-1378	107	2	collaboration	collaboration	VERB
ajoaa-1378	107	3	with	with	ADP
ajoaa-1378	107	4	government	government	NOUN
ajoaa-1378	107	5	,	,	PUNCT
ajoaa-1378	107	6	and	and	CCONJ
ajoaa-1378	107	7	other	other	ADJ
ajoaa-1378	107	8	development	development	NOUN
ajoaa-1378	107	9	partners	partner	NOUN
ajoaa-1378	107	10	116	116	NUM
ajoaa-1378	107	11	3.22	3.22	NUM
ajoaa-1378	107	12	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	13	1	1	NUM
ajoaa-1378	107	14	research	research	NOUN
ajoaa-1378	107	15	and	and	CCONJ
ajoaa-1378	107	16	financial	financial	ADJ
ajoaa-1378	107	17	product	product	NOUN
ajoaa-1378	107	18	development	development	NOUN
ajoaa-1378	107	19	113	113	NUM
ajoaa-1378	107	20	3.14	3.14	NUM
ajoaa-1378	107	21	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	22	j	j	PROPN
ajoaa-1378	107	23	inculcation	inculcation	NOUN
ajoaa-1378	107	24	of	of	ADP
ajoaa-1378	107	25	savings	saving	NOUN
ajoaa-1378	107	26	habits	habit	NOUN
ajoaa-1378	107	27	and	and	CCONJ
ajoaa-1378	107	28	mobilization	mobilization	NOUN
ajoaa-1378	107	29	from	from	ADP
ajoaa-1378	107	30	clients	client	NOUN
ajoaa-1378	107	31	155	155	NUM
ajoaa-1378	107	32	4.31	4.31	NUM
ajoaa-1378	107	33	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	34	k	k	PROPN
ajoaa-1378	107	35	promotion	promotion	NOUN
ajoaa-1378	107	36	and	and	CCONJ
ajoaa-1378	107	37	provision	provision	NOUN
ajoaa-1378	107	38	of	of	ADP
ajoaa-1378	107	39	micro	micro	ADJ
ajoaa-1378	107	40	-	-	ADJ
ajoaa-1378	107	41	leasing	leasing	ADJ
ajoaa-1378	107	42	services	service	NOUN
ajoaa-1378	107	43	to	to	ADP
ajoaa-1378	107	44	clients	client	NOUN
ajoaa-1378	107	45	129	129	NUM
ajoaa-1378	107	46	3.58	3.58	NUM
ajoaa-1378	107	47	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	48	l	l	NOUN
ajoaa-1378	107	49	promotion	promotion	NOUN
ajoaa-1378	107	50	and	and	CCONJ
ajoaa-1378	107	51	provision	provision	NOUN
ajoaa-1378	107	52	of	of	ADP
ajoaa-1378	107	53	micro	micro	PROPN
ajoaa-1378	107	54	insurance	insurance	NOUN
ajoaa-1378	107	55	services	service	NOUN
ajoaa-1378	107	56	94	94	NUM
ajoaa-1378	107	57	2.61	2.61	NUM
ajoaa-1378	107	58	not	not	PART
ajoaa-1378	107	59	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	60	m	m	NOUN
ajoaa-1378	107	61	promotion	promotion	NOUN
ajoaa-1378	107	62	and	and	CCONJ
ajoaa-1378	107	63	provision	provision	NOUN
ajoaa-1378	107	64	of	of	ADP
ajoaa-1378	107	65	micro	micro	PROPN
ajoaa-1378	107	66	housing	housing	PROPN
ajoaa-1378	107	67	services	service	NOUN
ajoaa-1378	107	68	103	103	NUM
ajoaa-1378	107	69	2.86	2.86	NUM
ajoaa-1378	107	70	not	not	PART
ajoaa-1378	107	71	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	72	n	n	CCONJ
ajoaa-1378	107	73	social	social	ADJ
ajoaa-1378	107	74	mobilization	mobilization	NOUN
ajoaa-1378	107	75	and	and	CCONJ
ajoaa-1378	107	76	community	community	NOUN
ajoaa-1378	107	77	development	development	NOUN
ajoaa-1378	107	78	110	110	NUM
ajoaa-1378	107	79	3.06	3.06	NUM
ajoaa-1378	107	80	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	81	o	o	NOUN
ajoaa-1378	107	82	clients	client	NOUN
ajoaa-1378	107	83	training	train	VERB
ajoaa-1378	107	84	on	on	ADP
ajoaa-1378	107	85	entrepreneurship	entrepreneurship	NOUN
ajoaa-1378	107	86	and	and	CCONJ
ajoaa-1378	107	87	financial	financial	ADJ
ajoaa-1378	107	88	management	management	NOUN
ajoaa-1378	107	89	121	121	NUM
ajoaa-1378	107	90	3.36	3.36	NUM
ajoaa-1378	107	91	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	92	p	p	NOUN
ajoaa-1378	107	93	provision	provision	NOUN
ajoaa-1378	107	94	of	of	ADP
ajoaa-1378	107	95	business	business	NOUN
ajoaa-1378	107	96	information	information	NOUN
ajoaa-1378	107	97	and	and	CCONJ
ajoaa-1378	107	98	market	market	NOUN
ajoaa-1378	107	99	linkages	linkage	NOUN
ajoaa-1378	107	100	124	124	NUM
ajoaa-1378	107	101	3.44	3.44	NUM
ajoaa-1378	107	102	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	103	q	q	PUNCT
ajoaa-1378	107	104	clients	client	NOUN
ajoaa-1378	107	105	advice	advice	NOUN
ajoaa-1378	107	106	on	on	ADP
ajoaa-1378	107	107	health	health	NOUN
ajoaa-1378	107	108	and	and	CCONJ
ajoaa-1378	107	109	family	family	NOUN
ajoaa-1378	107	110	nutrition	nutrition	NOUN
ajoaa-1378	107	111	114	114	NUM
ajoaa-1378	107	112	3.17	3.17	NUM
ajoaa-1378	107	113	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	114	r	r	NOUN
ajoaa-1378	107	115	clients	client	NOUN
ajoaa-1378	107	116	training	train	VERB
ajoaa-1378	107	117	on	on	ADP
ajoaa-1378	107	118	basic	basic	ADJ
ajoaa-1378	107	119	accounting	accounting	NOUN
ajoaa-1378	107	120	principles	principle	NOUN
ajoaa-1378	107	121	108	108	NUM
ajoaa-1378	107	122	3.0	3.0	NUM
ajoaa-1378	107	123	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	124	s	s	PART
ajoaa-1378	107	125	importance	importance	NOUN
ajoaa-1378	107	126	of	of	ADP
ajoaa-1378	107	127	it	it	PRON
ajoaa-1378	107	128	and	and	CCONJ
ajoaa-1378	107	129	its	its	PRON
ajoaa-1378	107	130	application	application	NOUN
ajoaa-1378	107	131	in	in	ADP
ajoaa-1378	107	132	credit	credit	NOUN
ajoaa-1378	107	133	administration	administration	NOUN
ajoaa-1378	107	134	151	151	NUM
ajoaa-1378	107	135	4.19	4.19	NUM
ajoaa-1378	107	136	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	137	t	t	NOUN
ajoaa-1378	107	138	clients	client	NOUN
ajoaa-1378	107	139	training	train	VERB
ajoaa-1378	107	140	on	on	ADP
ajoaa-1378	107	141	leadership	leadership	NOUN
ajoaa-1378	107	142	116	116	NUM
ajoaa-1378	107	143	3.22	3.22	NUM
ajoaa-1378	107	144	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	145	grand	grand	ADJ
ajoaa-1378	107	146	mean	mean	NOUN
ajoaa-1378	107	147	73.48	73.48	NUM
ajoaa-1378	107	148	3.49	3.49	NUM
ajoaa-1378	107	149	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	150	source	source	NOUN
ajoaa-1378	107	151	:	:	PUNCT
ajoaa-1378	107	152	field	field	NOUN
ajoaa-1378	107	153	survey	survey	NOUN
ajoaa-1378	107	154	july	july	PROPN
ajoaa-1378	107	155	,	,	PUNCT
ajoaa-1378	107	156	2012	2012	NUM
ajoaa-1378	107	157	the	the	DET
ajoaa-1378	107	158	use	use	NOUN
ajoaa-1378	107	159	of	of	ADP
ajoaa-1378	107	160	5	5	NUM
ajoaa-1378	107	161	point	point	NOUN
ajoaa-1378	107	162	likert	likert	ADJ
ajoaa-1378	107	163	scale	scale	NOUN
ajoaa-1378	107	164	was	be	AUX
ajoaa-1378	107	165	applied	apply	VERB
ajoaa-1378	107	166	to	to	PART
ajoaa-1378	107	167	measure	measure	VERB
ajoaa-1378	107	168	knowledge	knowledge	NOUN
ajoaa-1378	107	169	ability	ability	NOUN
ajoaa-1378	107	170	of	of	ADP
ajoaa-1378	107	171	the	the	DET
ajoaa-1378	107	172	credit	credit	NOUN
ajoaa-1378	107	173	officers	officer	NOUN
ajoaa-1378	107	174	in	in	ADP
ajoaa-1378	107	175	which	which	PRON
ajoaa-1378	107	176	3.0	3.0	NUM
ajoaa-1378	107	177	mean	mean	NOUN
ajoaa-1378	107	178	(	(	PUNCT
ajoaa-1378	107	179	x	x	X
ajoaa-1378	107	180	)	)	PUNCT
ajoaa-1378	107	181	was	be	AUX
ajoaa-1378	107	182	adopted	adopt	VERB
ajoaa-1378	107	183	so	so	SCONJ
ajoaa-1378	107	184	as	as	SCONJ
ajoaa-1378	107	185	to	to	PART
ajoaa-1378	107	186	reject	reject	VERB
ajoaa-1378	107	187	(	(	PUNCT
ajoaa-1378	107	188	<	<	X
ajoaa-1378	107	189	.3.0	.3.0	PUNCT
ajoaa-1378	107	190	)	)	PUNCT
ajoaa-1378	107	191	or	or	CCONJ
ajoaa-1378	107	192	accept	accept	VERB
ajoaa-1378	107	193	(	(	PUNCT
ajoaa-1378	107	194			PROPN
ajoaa-1378	107	195	3.0	3.0	NUM
ajoaa-1378	107	196	)	)	PUNCT
ajoaa-1378	107	197	if	if	SCONJ
ajoaa-1378	107	198	really	really	ADV
ajoaa-1378	107	199	credit	credit	NOUN
ajoaa-1378	107	200	officers	officer	NOUN
ajoaa-1378	107	201	are	be	AUX
ajoaa-1378	107	202	knowledgeable	knowledgeable	ADJ
ajoaa-1378	107	203	.	.	PUNCT
ajoaa-1378	108	1	based	base	VERB
ajoaa-1378	108	2	on	on	ADP
ajoaa-1378	108	3	the	the	DET
ajoaa-1378	108	4	result	result	NOUN
ajoaa-1378	108	5	,	,	PUNCT
ajoaa-1378	108	6	most	most	ADJ
ajoaa-1378	108	7	of	of	ADP
ajoaa-1378	108	8	the	the	DET
ajoaa-1378	108	9	extension	extension	NOUN
ajoaa-1378	108	10	services	service	NOUN
ajoaa-1378	108	11	needs	need	NOUN
ajoaa-1378	108	12	of	of	ADP
ajoaa-1378	108	13	the	the	DET
ajoaa-1378	108	14	mfbs	mfbs	NOUN
ajoaa-1378	108	15	they	they	PRON
ajoaa-1378	108	16	agreed	agree	VERB
ajoaa-1378	108	17	to	to	PART
ajoaa-1378	108	18	be	be	AUX
ajoaa-1378	108	19	adequately	adequately	ADV
ajoaa-1378	108	20	knowledgeable	knowledgeable	ADJ
ajoaa-1378	108	21	about	about	ADP
ajoaa-1378	108	22	.	.	PUNCT
ajoaa-1378	109	1	however	however	ADV
ajoaa-1378	109	2	in	in	ADP
ajoaa-1378	109	3	promotion	promotion	NOUN
ajoaa-1378	109	4	and	and	CCONJ
ajoaa-1378	109	5	provision	provision	NOUN
ajoaa-1378	109	6	of	of	ADP
ajoaa-1378	109	7	micro	micro	PROPN
ajoaa-1378	109	8	insurance	insurance	NOUN
ajoaa-1378	109	9	services	service	NOUN
ajoaa-1378	109	10	(	(	PUNCT
ajoaa-1378	109	11	2.61	2.61	NUM
ajoaa-1378	109	12	)	)	PUNCT
ajoaa-1378	109	13	,	,	PUNCT
ajoaa-1378	109	14	and	and	CCONJ
ajoaa-1378	109	15	,	,	PUNCT
ajoaa-1378	109	16	provision	provision	NOUN
ajoaa-1378	109	17	of	of	ADP
ajoaa-1378	109	18	micro	micro	PROPN
ajoaa-1378	109	19	housing	housing	PROPN
ajoaa-1378	109	20	services	service	NOUN
ajoaa-1378	109	21	(	(	PUNCT
ajoaa-1378	109	22	2.86	2.86	NUM
ajoaa-1378	109	23	)	)	PUNCT
ajoaa-1378	109	24	that	that	SCONJ
ajoaa-1378	109	25	they	they	PRON
ajoaa-1378	109	26	were	be	AUX
ajoaa-1378	109	27	found	find	VERB
ajoaa-1378	109	28	not	not	PART
ajoaa-1378	109	29	knowledgeable	knowledgeable	ADJ
ajoaa-1378	109	30	.	.	PUNCT
ajoaa-1378	110	1	with	with	ADP
ajoaa-1378	110	2	a	a	DET
ajoaa-1378	110	3	grand	grand	ADJ
ajoaa-1378	110	4	mean	mean	NOUN
ajoaa-1378	110	5	of	of	ADP
ajoaa-1378	110	6	3.49	3.49	NUM
ajoaa-1378	110	7	it	it	PRON
ajoaa-1378	110	8	meant	mean	VERB
ajoaa-1378	110	9	that	that	SCONJ
ajoaa-1378	110	10	credit	credit	NOUN
ajoaa-1378	110	11	officers	officer	NOUN
ajoaa-1378	110	12	are	be	AUX
ajoaa-1378	110	13	knowledgeable	knowledgeable	ADJ
ajoaa-1378	110	14	on	on	ADP
ajoaa-1378	110	15	almost	almost	ADV
ajoaa-1378	110	16	credit	credit	NOUN
ajoaa-1378	110	17	extension	extension	NOUN
ajoaa-1378	110	18	service	service	NOUN
ajoaa-1378	110	19	needs	need	NOUN
ajoaa-1378	110	20	of	of	ADP
ajoaa-1378	110	21	the	the	DET
ajoaa-1378	110	22	mfbs	mfbs	NOUN
ajoaa-1378	110	23	.	.	PUNCT
ajoaa-1378	111	1	asian	asian	ADJ
ajoaa-1378	111	2	journal	journal	PROPN
ajoaa-1378	111	3	of	of	ADP
ajoaa-1378	111	4	agriculture	agriculture	NOUN
ajoaa-1378	111	5	and	and	CCONJ
ajoaa-1378	111	6	rural	rural	ADJ
ajoaa-1378	111	7	development	development	NOUN
ajoaa-1378	111	8	,	,	PUNCT
ajoaa-1378	111	9	5(2)2015	5(2)2015	NUM
ajoaa-1378	111	10	:	:	PUNCT
ajoaa-1378	111	11	42	42	NUM
ajoaa-1378	111	12	-	-	SYM
ajoaa-1378	111	13	52	52	NUM
ajoaa-1378	111	14	48	48	NUM
ajoaa-1378	111	15	3.2	3.2	NUM
ajoaa-1378	111	16	.	.	PUNCT
ajoaa-1378	112	1	test	test	NOUN
ajoaa-1378	112	2	of	of	ADP
ajoaa-1378	112	3	hypothesis	hypothesis	NOUN
ajoaa-1378	112	4	one	one	NUM
ajoaa-1378	112	5	in	in	ADP
ajoaa-1378	112	6	order	order	NOUN
ajoaa-1378	112	7	to	to	PART
ajoaa-1378	112	8	validate	validate	VERB
ajoaa-1378	112	9	or	or	CCONJ
ajoaa-1378	112	10	disapprove	disapprove	VERB
ajoaa-1378	112	11	the	the	DET
ajoaa-1378	112	12	result	result	NOUN
ajoaa-1378	112	13	of	of	ADP
ajoaa-1378	112	14	the	the	DET
ajoaa-1378	112	15	table	table	NOUN
ajoaa-1378	112	16	2	2	NUM
ajoaa-1378	112	17	the	the	DET
ajoaa-1378	112	18	hypothesis	hypothesis	NOUN
ajoaa-1378	112	19	one	one	NUM
ajoaa-1378	112	20	(	(	PUNCT
ajoaa-1378	112	21	h01	h01	NOUN
ajoaa-1378	112	22	)	)	PUNCT
ajoaa-1378	112	23	was	be	AUX
ajoaa-1378	112	24	subjected	subject	VERB
ajoaa-1378	112	25	to	to	PART
ajoaa-1378	112	26	test	test	VERB
ajoaa-1378	112	27	with	with	ADP
ajoaa-1378	112	28	x	x	PROPN
ajoaa-1378	112	29	2	2	NUM
ajoaa-1378	112	30	.	.	PUNCT
ajoaa-1378	113	1	h01	h01	NOUN
ajoaa-1378	113	2	:	:	PUNCT
ajoaa-1378	113	3	credit	credit	NOUN
ajoaa-1378	113	4	officers	officer	NOUN
ajoaa-1378	113	5	of	of	ADP
ajoaa-1378	113	6	mfbs	mfbs	PROPN
ajoaa-1378	113	7	are	be	AUX
ajoaa-1378	113	8	not	not	PART
ajoaa-1378	113	9	significantly	significantly	ADV
ajoaa-1378	113	10	knowledgeable	knowledgeable	ADJ
ajoaa-1378	113	11	about	about	ADP
ajoaa-1378	113	12	the	the	DET
ajoaa-1378	113	13	credit	credit	NOUN
ajoaa-1378	113	14	extension	extension	NOUN
ajoaa-1378	113	15	services	service	NOUN
ajoaa-1378	113	16	of	of	ADP
ajoaa-1378	113	17	mfbs	mfbs	NOUN
ajoaa-1378	113	18	.	.	PUNCT
ajoaa-1378	114	1	ha1	ha1	NOUN
ajoaa-1378	114	2	:	:	PUNCT
ajoaa-1378	114	3	credit	credit	NOUN
ajoaa-1378	114	4	officers	officer	NOUN
ajoaa-1378	114	5	of	of	ADP
ajoaa-1378	114	6	mfbs	mfbs	PROPN
ajoaa-1378	114	7	are	be	AUX
ajoaa-1378	114	8	sufficiently	sufficiently	ADV
ajoaa-1378	114	9	knowledgeable	knowledgeable	ADJ
ajoaa-1378	114	10	about	about	ADP
ajoaa-1378	114	11	the	the	DET
ajoaa-1378	114	12	credit	credit	NOUN
ajoaa-1378	114	13	extension	extension	NOUN
ajoaa-1378	114	14	services	service	NOUN
ajoaa-1378	114	15	of	of	ADP
ajoaa-1378	114	16	mfbs	mfbs	PROPN
ajoaa-1378	114	17	.	.	PUNCT
ajoaa-1378	115	1	table	table	NOUN
ajoaa-1378	115	2	2	2	NUM
ajoaa-1378	115	3	:	:	PUNCT
ajoaa-1378	115	4	test	test	NOUN
ajoaa-1378	115	5	statistics	statistic	NOUN
ajoaa-1378	115	6	result	result	VERB
ajoaa-1378	115	7	summary	summary	NOUN
ajoaa-1378	115	8	of	of	ADP
ajoaa-1378	115	9	x	x	SYM
ajoaa-1378	115	10	2	2	NUM
ajoaa-1378	115	11	df	df	NOUN
ajoaa-1378	115	12	calculated	calculate	VERB
ajoaa-1378	115	13	x	x	SYM
ajoaa-1378	115	14	2	2	NUM
ajoaa-1378	115	15	value	value	NOUN
ajoaa-1378	115	16	sig	sig	NOUN
ajoaa-1378	115	17	19	19	NUM
ajoaa-1378	115	18	1.636	1.636	NUM
ajoaa-1378	115	19	0.000	0.000	NUM
ajoaa-1378	115	20	3.3	3.3	NUM
ajoaa-1378	115	21	.	.	PUNCT
ajoaa-1378	116	1	decision	decision	NOUN
ajoaa-1378	116	2	from	from	ADP
ajoaa-1378	116	3	the	the	DET
ajoaa-1378	116	4	result	result	NOUN
ajoaa-1378	116	5	,	,	PUNCT
ajoaa-1378	116	6	the	the	DET
ajoaa-1378	116	7	x	x	SYM
ajoaa-1378	116	8	2	2	NUM
ajoaa-1378	116	9	calculated	calculate	VERB
ajoaa-1378	116	10	value	value	NOUN
ajoaa-1378	116	11	is	be	AUX
ajoaa-1378	116	12	1.636	1.636	NUM
ajoaa-1378	116	13	,	,	PUNCT
ajoaa-1378	116	14	while	while	SCONJ
ajoaa-1378	116	15	the	the	DET
ajoaa-1378	116	16	pvalue	pvalue	NOUN
ajoaa-1378	116	17	is	be	AUX
ajoaa-1378	116	18	.000	.000	NUM
ajoaa-1378	116	19	at	at	ADP
ajoaa-1378	116	20	5	5	NUM
ajoaa-1378	116	21	%	%	NOUN
ajoaa-1378	116	22	level	level	NOUN
ajoaa-1378	116	23	of	of	ADP
ajoaa-1378	116	24	significance	significance	NOUN
ajoaa-1378	116	25	.	.	PUNCT
ajoaa-1378	117	1	therefore	therefore	ADV
ajoaa-1378	117	2	,	,	PUNCT
ajoaa-1378	117	3	the	the	DET
ajoaa-1378	117	4	pvalue	pvalue	NOUN
ajoaa-1378	117	5	is	be	AUX
ajoaa-1378	117	6	significant	significant	ADJ
ajoaa-1378	117	7	since	since	SCONJ
ajoaa-1378	117	8	it	it	PRON
ajoaa-1378	117	9	’s	’	VERB
ajoaa-1378	117	10	less	less	ADJ
ajoaa-1378	117	11	than	than	ADP
ajoaa-1378	117	12	the	the	DET
ajoaa-1378	117	13	conventional	conventional	ADJ
ajoaa-1378	117	14	value	value	NOUN
ajoaa-1378	117	15	of	of	ADP
ajoaa-1378	117	16	0.05	0.05	NUM
ajoaa-1378	117	17	.	.	PUNCT
ajoaa-1378	118	1	as	as	ADP
ajoaa-1378	118	2	such	such	ADJ
ajoaa-1378	118	3	,	,	PUNCT
ajoaa-1378	118	4	null	null	ADJ
ajoaa-1378	118	5	hypothesis	hypothesis	NOUN
ajoaa-1378	118	6	(	(	PUNCT
ajoaa-1378	118	7	h01	h01	NOUN
ajoaa-1378	118	8	)	)	PUNCT
ajoaa-1378	118	9	was	be	AUX
ajoaa-1378	118	10	rejected	reject	VERB
ajoaa-1378	118	11	and	and	CCONJ
ajoaa-1378	118	12	the	the	DET
ajoaa-1378	118	13	alternate	alternate	ADJ
ajoaa-1378	118	14	(	(	PUNCT
ajoaa-1378	118	15	ha	ha	INTJ
ajoaa-1378	118	16	)	)	PUNCT
ajoaa-1378	118	17	was	be	AUX
ajoaa-1378	118	18	accepted	accept	VERB
ajoaa-1378	118	19	;	;	PUNCT
ajoaa-1378	118	20	this	this	PRON
ajoaa-1378	118	21	implied	imply	VERB
ajoaa-1378	118	22	that	that	SCONJ
ajoaa-1378	118	23	credit	credit	NOUN
ajoaa-1378	118	24	officers	officer	NOUN
ajoaa-1378	118	25	of	of	ADP
ajoaa-1378	118	26	mfbs	mfbs	PROPN
ajoaa-1378	118	27	are	be	AUX
ajoaa-1378	118	28	knowledgeable	knowledgeable	ADJ
ajoaa-1378	118	29	about	about	ADP
ajoaa-1378	118	30	the	the	DET
ajoaa-1378	118	31	credit	credit	NOUN
ajoaa-1378	118	32	extension	extension	NOUN
ajoaa-1378	118	33	services	service	NOUN
ajoaa-1378	118	34	of	of	ADP
ajoaa-1378	118	35	mfbs	mfbs	NOUN
ajoaa-1378	118	36	.	.	PUNCT
ajoaa-1378	119	1	the	the	DET
ajoaa-1378	119	2	result	result	NOUN
ajoaa-1378	119	3	of	of	ADP
ajoaa-1378	119	4	hypothesis	hypothesis	NOUN
ajoaa-1378	119	5	one	one	NUM
ajoaa-1378	119	6	(	(	PUNCT
ajoaa-1378	119	7	h01	h01	NOUN
ajoaa-1378	119	8	)	)	PUNCT
ajoaa-1378	119	9	and	and	CCONJ
ajoaa-1378	119	10	descriptive	descriptive	ADJ
ajoaa-1378	119	11	statistics	statistic	NOUN
ajoaa-1378	119	12	analysis	analysis	NOUN
ajoaa-1378	119	13	of	of	ADP
ajoaa-1378	119	14	table	table	NOUN
ajoaa-1378	119	15	2	2	NUM
ajoaa-1378	119	16	,	,	PUNCT
ajoaa-1378	119	17	affirmed	affirm	VERB
ajoaa-1378	119	18	and	and	CCONJ
ajoaa-1378	119	19	validated	validate	VERB
ajoaa-1378	119	20	that	that	SCONJ
ajoaa-1378	119	21	the	the	DET
ajoaa-1378	119	22	credit	credit	NOUN
ajoaa-1378	119	23	officers	officer	NOUN
ajoaa-1378	119	24	are	be	AUX
ajoaa-1378	119	25	knowledgeable	knowledgeable	ADJ
ajoaa-1378	119	26	about	about	ADP
ajoaa-1378	119	27	the	the	DET
ajoaa-1378	119	28	credit	credit	NOUN
ajoaa-1378	119	29	extension	extension	NOUN
ajoaa-1378	119	30	services	service	NOUN
ajoaa-1378	119	31	of	of	ADP
ajoaa-1378	119	32	mfbs	mfbs	NOUN
ajoaa-1378	119	33	.	.	PUNCT
ajoaa-1378	120	1	thus	thus	ADV
ajoaa-1378	120	2	,	,	PUNCT
ajoaa-1378	120	3	this	this	PRON
ajoaa-1378	120	4	implied	imply	VERB
ajoaa-1378	120	5	that	that	SCONJ
ajoaa-1378	120	6	they	they	PRON
ajoaa-1378	120	7	have	have	VERB
ajoaa-1378	120	8	great	great	ADJ
ajoaa-1378	120	9	potentials	potential	NOUN
ajoaa-1378	120	10	for	for	ADP
ajoaa-1378	120	11	effective	effective	ADJ
ajoaa-1378	120	12	rural	rural	ADJ
ajoaa-1378	120	13	finance	finance	NOUN
ajoaa-1378	120	14	intermediation	intermediation	NOUN
ajoaa-1378	120	15	.	.	PUNCT
ajoaa-1378	121	1	3.4	3.4	NUM
ajoaa-1378	121	2	.	.	PUNCT
ajoaa-1378	121	3	credit	credit	NOUN
ajoaa-1378	121	4	officers	officer	NOUN
ajoaa-1378	121	5	involvement	involvement	VERB
ajoaa-1378	121	6	in	in	ADP
ajoaa-1378	121	7	credit	credit	NOUN
ajoaa-1378	121	8	extension	extension	NOUN
ajoaa-1378	121	9	services	service	NOUN
ajoaa-1378	121	10	delivery	delivery	NOUN
ajoaa-1378	121	11	table	table	NOUN
ajoaa-1378	121	12	3	3	NUM
ajoaa-1378	121	13	:	:	PUNCT
ajoaa-1378	121	14	responses	response	NOUN
ajoaa-1378	121	15	of	of	ADP
ajoaa-1378	121	16	credit	credit	NOUN
ajoaa-1378	121	17	officers	officer	NOUN
ajoaa-1378	121	18	on	on	ADP
ajoaa-1378	121	19	their	their	PRON
ajoaa-1378	121	20	level	level	NOUN
ajoaa-1378	121	21	of	of	ADP
ajoaa-1378	121	22	involvement	involvement	NOUN
ajoaa-1378	121	23	actual	actual	ADJ
ajoaa-1378	121	24	delivery	delivery	NOUN
ajoaa-1378	121	25	of	of	ADP
ajoaa-1378	121	26	credit	credit	NOUN
ajoaa-1378	121	27	extension	extension	NOUN
ajoaa-1378	121	28	services	service	NOUN
ajoaa-1378	121	29	of	of	ADP
ajoaa-1378	121	30	mfbs	mfbs	PROPN
ajoaa-1378	121	31	s	s	PROPN
ajoaa-1378	121	32	/	/	SYM
ajoaa-1378	121	33	n	n	PRON
ajoaa-1378	121	34	variables	variable	NOUN
ajoaa-1378	121	35	fx	fx	PROPN
ajoaa-1378	121	36	mean	mean	VERB
ajoaa-1378	121	37	(	(	PUNCT
ajoaa-1378	121	38	x	x	NOUN
ajoaa-1378	121	39	)	)	PUNCT
ajoaa-1378	121	40	decision	decision	NOUN
ajoaa-1378	121	41	i	i	PRON
ajoaa-1378	121	42	design	design	VERB
ajoaa-1378	121	43	and	and	CCONJ
ajoaa-1378	121	44	preparation	preparation	NOUN
ajoaa-1378	121	45	of	of	ADP
ajoaa-1378	121	46	effective	effective	ADJ
ajoaa-1378	121	47	credit	credit	NOUN
ajoaa-1378	121	48	policy	policy	NOUN
ajoaa-1378	121	49	for	for	ADP
ajoaa-1378	121	50	clients	client	NOUN
ajoaa-1378	121	51	106	106	NUM
ajoaa-1378	121	52	2.94	2.94	NUM
ajoaa-1378	121	53	not	not	PART
ajoaa-1378	121	54	involved	involve	VERB
ajoaa-1378	121	55	ii	ii	PROPN
ajoaa-1378	121	56	collection	collection	NOUN
ajoaa-1378	121	57	,	,	PUNCT
ajoaa-1378	121	58	compilation	compilation	NOUN
ajoaa-1378	121	59	and	and	CCONJ
ajoaa-1378	121	60	analysis	analysis	NOUN
ajoaa-1378	121	61	of	of	ADP
ajoaa-1378	121	62	socioeconomic	socioeconomic	ADJ
ajoaa-1378	121	63	data	datum	NOUN
ajoaa-1378	121	64	of	of	ADP
ajoaa-1378	121	65	ruralites	ruralite	NOUN
ajoaa-1378	121	66	business	business	NOUN
ajoaa-1378	121	67	environment	environment	NOUN
ajoaa-1378	121	68	108	108	NUM
ajoaa-1378	121	69	3.0	3.0	NUM
ajoaa-1378	121	70	involved	involve	VERB
ajoaa-1378	121	71	iii	iii	NUM
ajoaa-1378	121	72	assess	assess	NOUN
ajoaa-1378	121	73	credit	credit	NOUN
ajoaa-1378	121	74	needs	need	NOUN
ajoaa-1378	121	75	of	of	ADP
ajoaa-1378	121	76	the	the	DET
ajoaa-1378	121	77	clients	client	NOUN
ajoaa-1378	121	78	111	111	NUM
ajoaa-1378	121	79	3.08	3.08	NUM
ajoaa-1378	121	80	involved	involve	VERB
ajoaa-1378	121	81	iv	iv	NUM
ajoaa-1378	121	82	credit	credit	NOUN
ajoaa-1378	121	83	schedule	schedule	NOUN
ajoaa-1378	121	84	of	of	ADP
ajoaa-1378	121	85	clients	client	NOUN
ajoaa-1378	121	86	132	132	NUM
ajoaa-1378	121	87	3.67	3.67	NUM
ajoaa-1378	121	88	involved	involve	VERB
ajoaa-1378	121	89	v	v	ADP
ajoaa-1378	121	90	review	review	NOUN
ajoaa-1378	121	91	of	of	ADP
ajoaa-1378	121	92	mfb	mfb	NOUN
ajoaa-1378	121	93	credit	credit	NOUN
ajoaa-1378	121	94	policy	policy	NOUN
ajoaa-1378	121	95	for	for	ADP
ajoaa-1378	121	96	clients	client	NOUN
ajoaa-1378	121	97	100	100	NUM
ajoaa-1378	121	98	2.78	2.78	NUM
ajoaa-1378	121	99	not	not	PART
ajoaa-1378	121	100	involved	involve	VERB
ajoaa-1378	121	101	vi	vi	NOUN
ajoaa-1378	121	102	formation	formation	NOUN
ajoaa-1378	121	103	of	of	ADP
ajoaa-1378	121	104	credit	credit	NOUN
ajoaa-1378	121	105	groups	group	NOUN
ajoaa-1378	121	106	(	(	PUNCT
ajoaa-1378	121	107	e.g.	e.g.	ADV
ajoaa-1378	121	108	cooperatives	cooperative	NOUN
ajoaa-1378	121	109	)	)	PUNCT
ajoaa-1378	121	110	113	113	NUM
ajoaa-1378	121	111	3.14	3.14	NUM
ajoaa-1378	121	112	involved	involve	VERB
ajoaa-1378	121	113	vii	vii	PROPN
ajoaa-1378	121	114	technological	technological	ADJ
ajoaa-1378	121	115	diffusion	diffusion	NOUN
ajoaa-1378	121	116	of	of	ADP
ajoaa-1378	121	117	clients	client	NOUN
ajoaa-1378	121	118	and	and	CCONJ
ajoaa-1378	121	119	farmers	farmer	NOUN
ajoaa-1378	121	120	group	group	NOUN
ajoaa-1378	121	121	110	110	NUM
ajoaa-1378	121	122	3.06	3.06	NUM
ajoaa-1378	121	123	involved	involve	VERB
ajoaa-1378	121	124	viii	viii	ADJ
ajoaa-1378	121	125	collaboration	collaboration	NOUN
ajoaa-1378	121	126	for	for	ADP
ajoaa-1378	121	127	effective	effective	ADJ
ajoaa-1378	121	128	credit	credit	NOUN
ajoaa-1378	121	129	delivery	delivery	NOUN
ajoaa-1378	121	130	to	to	ADP
ajoaa-1378	121	131	clients	client	NOUN
ajoaa-1378	121	132	102	102	NUM
ajoaa-1378	121	133	2.83	2.83	NUM
ajoaa-1378	121	134	not	not	PART
ajoaa-1378	121	135	involved	involve	VERB
ajoaa-1378	121	136	ix	ix	ADP
ajoaa-1378	121	137	research	research	NOUN
ajoaa-1378	121	138	and	and	CCONJ
ajoaa-1378	121	139	development	development	NOUN
ajoaa-1378	121	140	94	94	NUM
ajoaa-1378	121	141	2.6	2.6	NUM
ajoaa-1378	121	142	not	not	PART
ajoaa-1378	121	143	involved	involve	VERB
ajoaa-1378	121	144	x	x	PUNCT
ajoaa-1378	121	145	inculcating	inculcate	VERB
ajoaa-1378	121	146	saving	saving	NOUN
ajoaa-1378	121	147	habits	habit	NOUN
ajoaa-1378	121	148	and	and	CCONJ
ajoaa-1378	121	149	credit	credit	NOUN
ajoaa-1378	121	150	mobilization	mobilization	NOUN
ajoaa-1378	121	151	among	among	ADP
ajoaa-1378	121	152	clients	client	NOUN
ajoaa-1378	121	153	157	157	NUM
ajoaa-1378	121	154	4.36	4.36	NUM
ajoaa-1378	121	155	involved	involve	VERB
ajoaa-1378	121	156	xi	xi	ADP
ajoaa-1378	121	157	credit	credit	NOUN
ajoaa-1378	121	158	creation	creation	NOUN
ajoaa-1378	121	159	,	,	PUNCT
ajoaa-1378	121	160	disbursement	disbursement	NOUN
ajoaa-1378	121	161	and	and	CCONJ
ajoaa-1378	121	162	income	income	NOUN
ajoaa-1378	121	163	generation	generation	NOUN
ajoaa-1378	121	164	for	for	ADP
ajoaa-1378	121	165	mfb	mfb	NOUN
ajoaa-1378	121	166	137	137	NUM
ajoaa-1378	121	167	3.81	3.81	NUM
ajoaa-1378	121	168	involved	involve	VERB
ajoaa-1378	121	169	xii	xii	NOUN
ajoaa-1378	121	170	promotion	promotion	NOUN
ajoaa-1378	121	171	and	and	CCONJ
ajoaa-1378	121	172	provision	provision	NOUN
ajoaa-1378	121	173	of	of	ADP
ajoaa-1378	121	174	other	other	ADJ
ajoaa-1378	121	175	micro	micro	PROPN
ajoaa-1378	121	176	finance	finance	NOUN
ajoaa-1378	121	177	services	service	NOUN
ajoaa-1378	121	178	109	109	NUM
ajoaa-1378	121	179	3.03	3.03	NUM
ajoaa-1378	121	180	involved	involve	VERB
ajoaa-1378	121	181	xiii	xiii	PROPN
ajoaa-1378	121	182	community	community	NOUN
ajoaa-1378	121	183	development	development	NOUN
ajoaa-1378	121	184	services	service	NOUN
ajoaa-1378	121	185	89	89	NUM
ajoaa-1378	121	186	2.47	2.47	NUM
ajoaa-1378	121	187	not	not	PART
ajoaa-1378	121	188	involved	involve	VERB
ajoaa-1378	121	189	grand	grand	ADJ
ajoaa-1378	121	190	mean	mean	NOUN
ajoaa-1378	121	191	40.77	40.77	NUM
ajoaa-1378	121	192	3.14	3.14	NUM
ajoaa-1378	121	193	involved	involve	VERB
ajoaa-1378	121	194	source	source	NOUN
ajoaa-1378	121	195	:	:	PUNCT
ajoaa-1378	121	196	field	field	NOUN
ajoaa-1378	121	197	survey	survey	NOUN
ajoaa-1378	121	198	july	july	PROPN
ajoaa-1378	121	199	2012	2012	NUM
ajoaa-1378	121	200	the	the	DET
ajoaa-1378	121	201	result	result	NOUN
ajoaa-1378	121	202	(	(	PUNCT
ajoaa-1378	121	203	table	table	NOUN
ajoaa-1378	121	204	3	3	NUM
ajoaa-1378	121	205	)	)	PUNCT
ajoaa-1378	121	206	showed	show	VERB
ajoaa-1378	121	207	that	that	SCONJ
ajoaa-1378	121	208	most	most	ADJ
ajoaa-1378	121	209	of	of	ADP
ajoaa-1378	121	210	the	the	DET
ajoaa-1378	121	211	credit	credit	NOUN
ajoaa-1378	121	212	extension	extension	NOUN
ajoaa-1378	121	213	services	service	NOUN
ajoaa-1378	121	214	score	score	VERB
ajoaa-1378	121	215	more	more	ADJ
ajoaa-1378	121	216	than	than	ADP
ajoaa-1378	121	217	3.0	3.0	NUM
ajoaa-1378	121	218	mean	mean	NOUN
ajoaa-1378	121	219	rating	rating	NOUN
ajoaa-1378	121	220	at	at	ADP
ajoaa-1378	121	221	5	5	NUM
ajoaa-1378	121	222	point	point	NOUN
ajoaa-1378	121	223	scale	scale	NOUN
ajoaa-1378	121	224	(	(	PUNCT
ajoaa-1378	121	225	>	>	X
ajoaa-1378	121	226	3.0	3.0	NUM
ajoaa-1378	121	227	)	)	PUNCT
ajoaa-1378	121	228	and	and	CCONJ
ajoaa-1378	121	229	this	this	PRON
ajoaa-1378	121	230	implied	imply	VERB
ajoaa-1378	121	231	that	that	SCONJ
ajoaa-1378	121	232	credit	credit	NOUN
ajoaa-1378	121	233	officers	officer	NOUN
ajoaa-1378	121	234	are	be	AUX
ajoaa-1378	121	235	functionally	functionally	ADV
ajoaa-1378	121	236	involved	involve	VERB
ajoaa-1378	121	237	.	.	PUNCT
ajoaa-1378	122	1	the	the	DET
ajoaa-1378	122	2	asian	asian	ADJ
ajoaa-1378	122	3	journal	journal	PROPN
ajoaa-1378	122	4	of	of	ADP
ajoaa-1378	122	5	agriculture	agriculture	NOUN
ajoaa-1378	122	6	and	and	CCONJ
ajoaa-1378	122	7	rural	rural	ADJ
ajoaa-1378	122	8	development	development	NOUN
ajoaa-1378	122	9	,	,	PUNCT
ajoaa-1378	122	10	5(2)2015	5(2)2015	NUM
ajoaa-1378	122	11	:	:	PUNCT
ajoaa-1378	122	12	42	42	NUM
ajoaa-1378	122	13	-	-	SYM
ajoaa-1378	122	14	52	52	NUM
ajoaa-1378	122	15	49	49	NUM
ajoaa-1378	122	16	services	service	NOUN
ajoaa-1378	122	17	include	include	VERB
ajoaa-1378	122	18	collection	collection	NOUN
ajoaa-1378	122	19	and	and	CCONJ
ajoaa-1378	122	20	analysis	analysis	NOUN
ajoaa-1378	122	21	of	of	ADP
ajoaa-1378	122	22	socioeconomic	socioeconomic	ADJ
ajoaa-1378	122	23	data	datum	NOUN
ajoaa-1378	122	24	of	of	ADP
ajoaa-1378	122	25	clients	client	NOUN
ajoaa-1378	122	26	(	(	PUNCT
ajoaa-1378	122	27	3.0	3.0	NUM
ajoaa-1378	122	28	)	)	PUNCT
ajoaa-1378	122	29	;	;	PUNCT
ajoaa-1378	122	30	assess	assess	VERB
ajoaa-1378	122	31	credit	credit	NOUN
ajoaa-1378	122	32	need	need	NOUN
ajoaa-1378	122	33	of	of	ADP
ajoaa-1378	122	34	the	the	DET
ajoaa-1378	122	35	client	client	NOUN
ajoaa-1378	122	36	(	(	PUNCT
ajoaa-1378	122	37	3.08	3.08	NUM
ajoaa-1378	122	38	)	)	PUNCT
ajoaa-1378	122	39	;	;	PUNCT
ajoaa-1378	122	40	credit	credit	NOUN
ajoaa-1378	122	41	schedule	schedule	NOUN
ajoaa-1378	122	42	of	of	ADP
ajoaa-1378	122	43	clients	client	NOUN
ajoaa-1378	122	44	(	(	PUNCT
ajoaa-1378	122	45	3.67	3.67	NUM
ajoaa-1378	122	46	)	)	PUNCT
ajoaa-1378	122	47	;	;	PUNCT
ajoaa-1378	122	48	formation	formation	NOUN
ajoaa-1378	122	49	of	of	ADP
ajoaa-1378	122	50	credit	credit	NOUN
ajoaa-1378	122	51	groups	group	NOUN
ajoaa-1378	122	52	(	(	PUNCT
ajoaa-1378	122	53	3.14	3.14	NUM
ajoaa-1378	122	54	)	)	PUNCT
ajoaa-1378	122	55	;	;	PUNCT
ajoaa-1378	122	56	technological	technological	ADJ
ajoaa-1378	122	57	diffusion	diffusion	NOUN
ajoaa-1378	122	58	to	to	PART
ajoaa-1378	122	59	client	client	VERB
ajoaa-1378	122	60	especially	especially	ADV
ajoaa-1378	122	61	farmer	farmer	NOUN
ajoaa-1378	122	62	groups	group	NOUN
ajoaa-1378	122	63	(	(	PUNCT
ajoaa-1378	122	64	3.06	3.06	NUM
ajoaa-1378	122	65	)	)	PUNCT
ajoaa-1378	122	66	;	;	PUNCT
ajoaa-1378	122	67	inculcating	inculcate	VERB
ajoaa-1378	122	68	savings	saving	NOUN
ajoaa-1378	122	69	habits	habit	NOUN
ajoaa-1378	122	70	and	and	CCONJ
ajoaa-1378	122	71	credit	credit	NOUN
ajoaa-1378	122	72	mobilization	mobilization	NOUN
ajoaa-1378	122	73	among	among	ADP
ajoaa-1378	122	74	clients	client	NOUN
ajoaa-1378	122	75	(	(	PUNCT
ajoaa-1378	122	76	4.36	4.36	NUM
ajoaa-1378	122	77	)	)	PUNCT
ajoaa-1378	122	78	;	;	PUNCT
ajoaa-1378	122	79	credit	credit	NOUN
ajoaa-1378	122	80	creation	creation	NOUN
ajoaa-1378	122	81	and	and	CCONJ
ajoaa-1378	122	82	disbursement	disbursement	NOUN
ajoaa-1378	122	83	for	for	ADP
ajoaa-1378	122	84	mfbs	mfbs	NOUN
ajoaa-1378	122	85	(	(	PUNCT
ajoaa-1378	122	86	3.81	3.81	NUM
ajoaa-1378	122	87	)	)	PUNCT
ajoaa-1378	122	88	;	;	PUNCT
ajoaa-1378	122	89	provision	provision	NOUN
ajoaa-1378	122	90	of	of	ADP
ajoaa-1378	122	91	other	other	ADJ
ajoaa-1378	122	92	micro	micro	PROPN
ajoaa-1378	122	93	finance	finance	NOUN
ajoaa-1378	122	94	services	service	NOUN
ajoaa-1378	122	95	(	(	PUNCT
ajoaa-1378	122	96	3.03	3.03	NUM
ajoaa-1378	122	97	)	)	PUNCT
ajoaa-1378	122	98	.	.	PUNCT
ajoaa-1378	123	1	however	however	ADV
ajoaa-1378	123	2	,	,	PUNCT
ajoaa-1378	123	3	they	they	PRON
ajoaa-1378	123	4	were	be	AUX
ajoaa-1378	123	5	found	find	VERB
ajoaa-1378	123	6	not	not	PART
ajoaa-1378	123	7	involved	involve	VERB
ajoaa-1378	123	8	in	in	ADP
ajoaa-1378	123	9	some	some	DET
ajoaa-1378	123	10	credit	credit	NOUN
ajoaa-1378	123	11	extension	extension	NOUN
ajoaa-1378	123	12	services	service	NOUN
ajoaa-1378	123	13	such	such	ADJ
ajoaa-1378	123	14	as	as	ADP
ajoaa-1378	123	15	design	design	NOUN
ajoaa-1378	123	16	and	and	CCONJ
ajoaa-1378	123	17	preparation	preparation	NOUN
ajoaa-1378	123	18	of	of	ADP
ajoaa-1378	123	19	effective	effective	ADJ
ajoaa-1378	123	20	credit	credit	NOUN
ajoaa-1378	123	21	policy	policy	NOUN
ajoaa-1378	123	22	for	for	ADP
ajoaa-1378	123	23	clients	client	NOUN
ajoaa-1378	123	24	(	(	PUNCT
ajoaa-1378	123	25	2.74	2.74	NUM
ajoaa-1378	123	26	)	)	PUNCT
ajoaa-1378	123	27	;	;	PUNCT
ajoaa-1378	123	28	review	review	NOUN
ajoaa-1378	123	29	of	of	ADP
ajoaa-1378	123	30	mfbs	mfbs	PROPN
ajoaa-1378	123	31	credit	credit	NOUN
ajoaa-1378	123	32	policies	policy	NOUN
ajoaa-1378	123	33	(	(	PUNCT
ajoaa-1378	123	34	2.78	2.78	NUM
ajoaa-1378	123	35	)	)	PUNCT
ajoaa-1378	123	36	;	;	PUNCT
ajoaa-1378	123	37	research	research	NOUN
ajoaa-1378	123	38	and	and	CCONJ
ajoaa-1378	123	39	development	development	NOUN
ajoaa-1378	123	40	(	(	PUNCT
ajoaa-1378	123	41	2.6	2.6	NUM
ajoaa-1378	123	42	)	)	PUNCT
ajoaa-1378	123	43	.	.	PUNCT
ajoaa-1378	124	1	therefore	therefore	ADV
ajoaa-1378	124	2	,	,	PUNCT
ajoaa-1378	124	3	with	with	ADP
ajoaa-1378	124	4	grand	grand	ADJ
ajoaa-1378	124	5	mean	mean	NOUN
ajoaa-1378	124	6	of	of	ADP
ajoaa-1378	124	7	3.14	3.14	NUM
ajoaa-1378	124	8	,	,	PUNCT
ajoaa-1378	124	9	the	the	DET
ajoaa-1378	124	10	result	result	NOUN
ajoaa-1378	124	11	showed	show	VERB
ajoaa-1378	124	12	that	that	SCONJ
ajoaa-1378	124	13	the	the	DET
ajoaa-1378	124	14	credit	credit	NOUN
ajoaa-1378	124	15	officers	officer	NOUN
ajoaa-1378	124	16	are	be	AUX
ajoaa-1378	124	17	functionally	functionally	ADV
ajoaa-1378	124	18	involved	involve	VERB
ajoaa-1378	124	19	in	in	ADP
ajoaa-1378	124	20	credit	credit	NOUN
ajoaa-1378	124	21	extension	extension	NOUN
ajoaa-1378	124	22	services	service	NOUN
ajoaa-1378	124	23	delivery	delivery	NOUN
ajoaa-1378	124	24	.	.	PUNCT
ajoaa-1378	125	1	3.5	3.5	NUM
ajoaa-1378	125	2	.	.	PUNCT
ajoaa-1378	125	3	test	test	NOUN
ajoaa-1378	125	4	of	of	ADP
ajoaa-1378	125	5	hypothesis	hypothesis	NOUN
ajoaa-1378	125	6	two	two	NUM
ajoaa-1378	125	7	hypothesis	hypothesis	NOUN
ajoaa-1378	125	8	(	(	PUNCT
ajoaa-1378	125	9	h02	h02	PROPN
ajoaa-1378	125	10	)	)	PUNCT
ajoaa-1378	125	11	was	be	AUX
ajoaa-1378	125	12	formed	form	VERB
ajoaa-1378	125	13	in	in	ADP
ajoaa-1378	125	14	order	order	NOUN
ajoaa-1378	125	15	to	to	PART
ajoaa-1378	125	16	affirm	affirm	VERB
ajoaa-1378	125	17	or	or	CCONJ
ajoaa-1378	125	18	not	not	PART
ajoaa-1378	125	19	the	the	DET
ajoaa-1378	125	20	result	result	NOUN
ajoaa-1378	125	21	of	of	ADP
ajoaa-1378	125	22	the	the	DET
ajoaa-1378	125	23	descriptive	descriptive	ADJ
ajoaa-1378	125	24	statistics	statistic	NOUN
ajoaa-1378	125	25	(	(	PUNCT
ajoaa-1378	125	26	table	table	NOUN
ajoaa-1378	125	27	3	3	NUM
ajoaa-1378	125	28	)	)	PUNCT
ajoaa-1378	125	29	.	.	PUNCT
ajoaa-1378	126	1	h02	h02	NOUN
ajoaa-1378	126	2	:	:	PUNCT
ajoaa-1378	126	3	credit	credit	NOUN
ajoaa-1378	126	4	officers	officer	NOUN
ajoaa-1378	126	5	of	of	ADP
ajoaa-1378	126	6	mfbs	mfbs	PROPN
ajoaa-1378	126	7	are	be	AUX
ajoaa-1378	126	8	not	not	PART
ajoaa-1378	126	9	significantly	significantly	ADV
ajoaa-1378	126	10	involved	involve	VERB
ajoaa-1378	126	11	in	in	ADP
ajoaa-1378	126	12	credit	credit	NOUN
ajoaa-1378	126	13	extension	extension	NOUN
ajoaa-1378	126	14	services	service	NOUN
ajoaa-1378	126	15	delivery	delivery	NOUN
ajoaa-1378	126	16	to	to	ADP
ajoaa-1378	126	17	their	their	PRON
ajoaa-1378	126	18	clients	client	NOUN
ajoaa-1378	126	19	.	.	PUNCT
ajoaa-1378	127	1	ha2	ha2	PROPN
ajoaa-1378	127	2	:	:	PUNCT
ajoaa-1378	127	3	credit	credit	NOUN
ajoaa-1378	127	4	officers	officer	NOUN
ajoaa-1378	127	5	of	of	ADP
ajoaa-1378	127	6	mfbs	mfbs	PROPN
ajoaa-1378	127	7	are	be	AUX
ajoaa-1378	127	8	significantly	significantly	ADV
ajoaa-1378	127	9	involved	involve	VERB
ajoaa-1378	127	10	in	in	ADP
ajoaa-1378	127	11	credit	credit	NOUN
ajoaa-1378	127	12	extension	extension	NOUN
ajoaa-1378	127	13	services	service	NOUN
ajoaa-1378	127	14	delivery	delivery	NOUN
ajoaa-1378	127	15	to	to	ADP
ajoaa-1378	127	16	their	their	PRON
ajoaa-1378	127	17	clients	client	NOUN
ajoaa-1378	127	18	.	.	PUNCT
ajoaa-1378	128	1	table	table	NOUN
ajoaa-1378	128	2	4	4	NUM
ajoaa-1378	128	3	:	:	PUNCT
ajoaa-1378	128	4	test	test	NOUN
ajoaa-1378	128	5	statistics	statistic	NOUN
ajoaa-1378	128	6	result	result	VERB
ajoaa-1378	128	7	summary	summary	NOUN
ajoaa-1378	128	8	of	of	ADP
ajoaa-1378	128	9	x	x	SYM
ajoaa-1378	128	10	2	2	NUM
ajoaa-1378	128	11	df	df	NOUN
ajoaa-1378	128	12	calculated	calculate	VERB
ajoaa-1378	128	13	x	x	SYM
ajoaa-1378	128	14	2	2	NUM
ajoaa-1378	128	15	value	value	NOUN
ajoaa-1378	128	16	sig	sig	NOUN
ajoaa-1378	128	17	model	model	NOUN
ajoaa-1378	128	18	12	12	NUM
ajoaa-1378	128	19	0.000	0.000	NUM
ajoaa-1378	128	20	1.000	1.000	NUM
ajoaa-1378	128	21	3.6	3.6	NUM
ajoaa-1378	128	22	.	.	PUNCT
ajoaa-1378	129	1	decision	decision	NOUN
ajoaa-1378	129	2	since	since	SCONJ
ajoaa-1378	129	3	the	the	DET
ajoaa-1378	129	4	calculated	calculate	VERB
ajoaa-1378	129	5	value	value	NOUN
ajoaa-1378	129	6	of	of	ADP
ajoaa-1378	129	7	x	x	SYM
ajoaa-1378	129	8	2	2	NUM
ajoaa-1378	129	9	(	(	PUNCT
ajoaa-1378	129	10	.000	.000	NUM
ajoaa-1378	129	11	)	)	PUNCT
ajoaa-1378	129	12	is	be	AUX
ajoaa-1378	129	13	less	less	ADJ
ajoaa-1378	129	14	than	than	ADP
ajoaa-1378	129	15	the	the	DET
ajoaa-1378	129	16	table	table	NOUN
ajoaa-1378	129	17	value	value	NOUN
ajoaa-1378	129	18	(	(	PUNCT
ajoaa-1378	129	19	1.000	1.000	NUM
ajoaa-1378	129	20	)	)	PUNCT
ajoaa-1378	129	21	at	at	ADP
ajoaa-1378	129	22	5	5	NUM
ajoaa-1378	129	23	%	%	NOUN
ajoaa-1378	129	24	level	level	NOUN
ajoaa-1378	129	25	of	of	ADP
ajoaa-1378	129	26	significance	significance	NOUN
ajoaa-1378	129	27	,	,	PUNCT
ajoaa-1378	129	28	therefore	therefore	ADV
ajoaa-1378	129	29	,	,	PUNCT
ajoaa-1378	129	30	the	the	DET
ajoaa-1378	129	31	null	null	ADJ
ajoaa-1378	129	32	hypothesis	hypothesis	NOUN
ajoaa-1378	129	33	(	(	PUNCT
ajoaa-1378	129	34	h02	h02	PROPN
ajoaa-1378	129	35	)	)	PUNCT
ajoaa-1378	129	36	was	be	AUX
ajoaa-1378	129	37	accepted	accept	VERB
ajoaa-1378	129	38	and	and	CCONJ
ajoaa-1378	129	39	the	the	DET
ajoaa-1378	129	40	alternate	alternate	ADJ
ajoaa-1378	129	41	(	(	PUNCT
ajoaa-1378	129	42	ha2	ha2	PROPN
ajoaa-1378	129	43	)	)	PUNCT
ajoaa-1378	129	44	was	be	AUX
ajoaa-1378	129	45	rejected	reject	VERB
ajoaa-1378	129	46	,	,	PUNCT
ajoaa-1378	129	47	meaning	mean	VERB
ajoaa-1378	129	48	that	that	SCONJ
ajoaa-1378	129	49	credit	credit	NOUN
ajoaa-1378	129	50	officers	officer	NOUN
ajoaa-1378	129	51	of	of	ADP
ajoaa-1378	129	52	mfbs	mfbs	NOUN
ajoaa-1378	129	53	to	to	ADP
ajoaa-1378	129	54	a	a	DET
ajoaa-1378	129	55	significant	significant	ADJ
ajoaa-1378	129	56	level	level	NOUN
ajoaa-1378	129	57	are	be	AUX
ajoaa-1378	129	58	not	not	PART
ajoaa-1378	129	59	involved	involve	VERB
ajoaa-1378	129	60	in	in	ADP
ajoaa-1378	129	61	credit	credit	NOUN
ajoaa-1378	129	62	extension	extension	NOUN
ajoaa-1378	129	63	services	service	NOUN
ajoaa-1378	129	64	delivery	delivery	NOUN
ajoaa-1378	129	65	to	to	ADP
ajoaa-1378	129	66	their	their	PRON
ajoaa-1378	129	67	clients	client	NOUN
ajoaa-1378	129	68	.	.	PUNCT
ajoaa-1378	130	1	the	the	DET
ajoaa-1378	130	2	grand	grand	ADJ
ajoaa-1378	130	3	mean	mean	NOUN
ajoaa-1378	130	4	(	(	PUNCT
ajoaa-1378	130	5	3.14	3.14	NUM
ajoaa-1378	130	6	)	)	PUNCT
ajoaa-1378	130	7	result	result	NOUN
ajoaa-1378	130	8	of	of	ADP
ajoaa-1378	130	9	the	the	DET
ajoaa-1378	130	10	descriptive	descriptive	ADJ
ajoaa-1378	130	11	statistics	statistic	NOUN
ajoaa-1378	130	12	(	(	PUNCT
ajoaa-1378	130	13	table	table	NOUN
ajoaa-1378	130	14	3	3	NUM
ajoaa-1378	130	15	)	)	PUNCT
ajoaa-1378	130	16	was	be	AUX
ajoaa-1378	130	17	contrary	contrary	ADJ
ajoaa-1378	130	18	to	to	ADP
ajoaa-1378	130	19	the	the	DET
ajoaa-1378	130	20	outcome	outcome	NOUN
ajoaa-1378	130	21	of	of	ADP
ajoaa-1378	130	22	the	the	DET
ajoaa-1378	130	23	hypothesis	hypothesis	NOUN
ajoaa-1378	130	24	.	.	PUNCT
ajoaa-1378	131	1	the	the	DET
ajoaa-1378	131	2	implication	implication	NOUN
ajoaa-1378	131	3	is	be	AUX
ajoaa-1378	131	4	that	that	SCONJ
ajoaa-1378	131	5	the	the	DET
ajoaa-1378	131	6	credit	credit	NOUN
ajoaa-1378	131	7	officers	officer	NOUN
ajoaa-1378	131	8	may	may	AUX
ajoaa-1378	131	9	not	not	PART
ajoaa-1378	131	10	have	have	AUX
ajoaa-1378	131	11	been	be	AUX
ajoaa-1378	131	12	very	very	ADV
ajoaa-1378	131	13	involved	involved	ADJ
ajoaa-1378	131	14	in	in	ADP
ajoaa-1378	131	15	credit	credit	NOUN
ajoaa-1378	131	16	extension	extension	NOUN
ajoaa-1378	131	17	service	service	NOUN
ajoaa-1378	131	18	delivery	delivery	NOUN
ajoaa-1378	131	19	to	to	ADP
ajoaa-1378	131	20	their	their	PRON
ajoaa-1378	131	21	clients	client	NOUN
ajoaa-1378	131	22	.	.	PUNCT
ajoaa-1378	132	1	3.7	3.7	NUM
ajoaa-1378	132	2	.	.	PUNCT
ajoaa-1378	133	1	institutional	institutional	ADJ
ajoaa-1378	133	2	(	(	PUNCT
ajoaa-1378	133	3	mfbs	mfbs	NOUN
ajoaa-1378	133	4	)	)	PUNCT
ajoaa-1378	133	5	support	support	NOUN
ajoaa-1378	133	6	for	for	ADP
ajoaa-1378	133	7	credit	credit	NOUN
ajoaa-1378	133	8	extension	extension	NOUN
ajoaa-1378	133	9	service	service	NOUN
ajoaa-1378	133	10	table	table	NOUN
ajoaa-1378	133	11	5	5	NUM
ajoaa-1378	133	12	:	:	PUNCT
ajoaa-1378	133	13	responses	response	NOUN
ajoaa-1378	133	14	of	of	ADP
ajoaa-1378	133	15	credit	credit	NOUN
ajoaa-1378	133	16	officers	officer	NOUN
ajoaa-1378	133	17	on	on	ADP
ajoaa-1378	133	18	how	how	SCONJ
ajoaa-1378	133	19	supportive	supportive	ADJ
ajoaa-1378	133	20	mfbs	mfbs	NOUN
ajoaa-1378	133	21	are	be	AUX
ajoaa-1378	133	22	in	in	ADP
ajoaa-1378	133	23	their	their	PRON
ajoaa-1378	133	24	delivery	delivery	NOUN
ajoaa-1378	133	25	of	of	ADP
ajoaa-1378	133	26	extension	extension	NOUN
ajoaa-1378	133	27	services	service	NOUN
ajoaa-1378	133	28	to	to	ADP
ajoaa-1378	133	29	bank	bank	NOUN
ajoaa-1378	133	30	clients	client	NOUN
ajoaa-1378	133	31	s	s	PART
ajoaa-1378	133	32	/	/	SYM
ajoaa-1378	133	33	n	n	PRON
ajoaa-1378	133	34	facilitation	facilitation	NOUN
ajoaa-1378	133	35	activities	activity	NOUN
ajoaa-1378	133	36	of	of	ADP
ajoaa-1378	133	37	mfbs	mfbs	PROPN
ajoaa-1378	133	38	fx	fx	PROPN
ajoaa-1378	133	39	mean	mean	VERB
ajoaa-1378	133	40	(	(	PUNCT
ajoaa-1378	133	41	x	x	NOUN
ajoaa-1378	133	42	)	)	PUNCT
ajoaa-1378	133	43	decision	decision	NOUN
ajoaa-1378	133	44	a	a	DET
ajoaa-1378	133	45	regular	regular	ADJ
ajoaa-1378	133	46	capacity	capacity	NOUN
ajoaa-1378	133	47	building	building	NOUN
ajoaa-1378	133	48	programmes	programme	NOUN
ajoaa-1378	133	49	152	152	NUM
ajoaa-1378	133	50	4.22	4.22	NUM
ajoaa-1378	133	51	supportive	supportive	ADJ
ajoaa-1378	133	52	b	b	NOUN
ajoaa-1378	133	53	provision	provision	NOUN
ajoaa-1378	133	54	of	of	ADP
ajoaa-1378	133	55	logistic	logistic	ADJ
ajoaa-1378	133	56	(	(	PUNCT
ajoaa-1378	133	57	bikes	bike	NOUN
ajoaa-1378	133	58	,	,	PUNCT
ajoaa-1378	133	59	vehicle	vehicle	NOUN
ajoaa-1378	133	60	or	or	CCONJ
ajoaa-1378	133	61	allowance	allowance	NOUN
ajoaa-1378	133	62	)	)	PUNCT
ajoaa-1378	133	63	for	for	ADP
ajoaa-1378	133	64	field	field	NOUN
ajoaa-1378	133	65	work	work	VERB
ajoaa-1378	133	66	133	133	NUM
ajoaa-1378	133	67	3.69	3.69	NUM
ajoaa-1378	133	68	supportive	supportive	ADJ
ajoaa-1378	133	69	c	c	NOUN
ajoaa-1378	133	70	provision	provision	NOUN
ajoaa-1378	133	71	of	of	ADP
ajoaa-1378	133	72	incentives	incentive	NOUN
ajoaa-1378	133	73	for	for	ADP
ajoaa-1378	133	74	staff	staff	NOUN
ajoaa-1378	133	75	motivation	motivation	NOUN
ajoaa-1378	133	76	99	99	NUM
ajoaa-1378	133	77	2.75	2.75	NUM
ajoaa-1378	133	78	not	not	PART
ajoaa-1378	133	79	supportive	supportive	ADJ
ajoaa-1378	133	80	d	d	NOUN
ajoaa-1378	133	81	provision	provision	NOUN
ajoaa-1378	133	82	of	of	ADP
ajoaa-1378	133	83	modern	modern	ADJ
ajoaa-1378	133	84	it	it	PRON
ajoaa-1378	133	85	technology	technology	NOUN
ajoaa-1378	133	86	and	and	CCONJ
ajoaa-1378	133	87	facilities	facility	NOUN
ajoaa-1378	133	88	154	154	NUM
ajoaa-1378	133	89	4.28	4.28	NUM
ajoaa-1378	133	90	supportive	supportive	ADJ
ajoaa-1378	133	91	e	e	NOUN
ajoaa-1378	133	92	adequate	adequate	ADJ
ajoaa-1378	133	93	numbers	number	NOUN
ajoaa-1378	133	94	of	of	ADP
ajoaa-1378	133	95	staff	staff	NOUN
ajoaa-1378	133	96	for	for	ADP
ajoaa-1378	133	97	effective	effective	ADJ
ajoaa-1378	133	98	outreach	outreach	NOUN
ajoaa-1378	133	99	130	130	NUM
ajoaa-1378	133	100	3.61	3.61	NUM
ajoaa-1378	133	101	supportive	supportive	ADJ
ajoaa-1378	133	102	f	f	NOUN
ajoaa-1378	133	103	provision	provision	NOUN
ajoaa-1378	133	104	of	of	ADP
ajoaa-1378	133	105	funds	fund	NOUN
ajoaa-1378	133	106	to	to	PART
ajoaa-1378	133	107	meet	meet	VERB
ajoaa-1378	133	108	clients	client	NOUN
ajoaa-1378	133	109	needs	need	VERB
ajoaa-1378	133	110	133	133	NUM
ajoaa-1378	133	111	3.69	3.69	NUM
ajoaa-1378	133	112	supportive	supportive	ADJ
ajoaa-1378	133	113	g	g	NOUN
ajoaa-1378	133	114	assistance	assistance	NOUN
ajoaa-1378	133	115	from	from	ADP
ajoaa-1378	133	116	bods	bod	NOUN
ajoaa-1378	133	117	and	and	CCONJ
ajoaa-1378	133	118	management	management	NOUN
ajoaa-1378	133	119	team	team	NOUN
ajoaa-1378	133	120	145	145	NUM
ajoaa-1378	133	121	4.03	4.03	NUM
ajoaa-1378	133	122	supportive	supportive	ADJ
ajoaa-1378	133	123	h	h	NOUN
ajoaa-1378	133	124	necessary	necessary	ADJ
ajoaa-1378	133	125	information	information	NOUN
ajoaa-1378	133	126	and	and	CCONJ
ajoaa-1378	133	127	networking	network	VERB
ajoaa-1378	133	128	opportunities	opportunity	NOUN
ajoaa-1378	133	129	143	143	NUM
ajoaa-1378	133	130	3.97	3.97	NUM
ajoaa-1378	133	131	supportive	supportive	ADJ
ajoaa-1378	133	132	i	i	NOUN
ajoaa-1378	133	133	provision	provision	NOUN
ajoaa-1378	133	134	of	of	ADP
ajoaa-1378	133	135	marketing	marketing	NOUN
ajoaa-1378	133	136	materials	material	NOUN
ajoaa-1378	133	137	(	(	PUNCT
ajoaa-1378	133	138	fliers	flier	NOUN
ajoaa-1378	133	139	,	,	PUNCT
ajoaa-1378	133	140	handbills	handbill	NOUN
ajoaa-1378	133	141	,	,	PUNCT
ajoaa-1378	133	142	posters	poster	NOUN
ajoaa-1378	133	143	)	)	PUNCT
ajoaa-1378	133	144	129	129	NUM
ajoaa-1378	133	145	3.58	3.58	NUM
ajoaa-1378	133	146	supportive	supportive	ADJ
ajoaa-1378	133	147	j	j	NOUN
ajoaa-1378	133	148	product	product	NOUN
ajoaa-1378	133	149	or	or	CCONJ
ajoaa-1378	133	150	services	service	NOUN
ajoaa-1378	133	151	development	development	NOUN
ajoaa-1378	133	152	activities	activity	NOUN
ajoaa-1378	133	153	(	(	PUNCT
ajoaa-1378	133	154	research	research	NOUN
ajoaa-1378	133	155	linking	linking	NOUN
ajoaa-1378	133	156	)	)	PUNCT
ajoaa-1378	133	157	109	109	NUM
ajoaa-1378	133	158	3.03	3.03	NUM
ajoaa-1378	133	159	supportive	supportive	ADJ
ajoaa-1378	133	160	k	k	PROPN
ajoaa-1378	133	161	promotional	promotional	ADJ
ajoaa-1378	133	162	programs	program	NOUN
ajoaa-1378	133	163	(	(	PUNCT
ajoaa-1378	133	164	customer	customer	NOUN
ajoaa-1378	133	165	forum	forum	PROPN
ajoaa-1378	133	166	,	,	PUNCT
ajoaa-1378	133	167	road	road	NOUN
ajoaa-1378	133	168	work	work	NOUN
ajoaa-1378	133	169	)	)	PUNCT
ajoaa-1378	133	170	86	86	NUM
ajoaa-1378	133	171	2.39	2.39	NUM
ajoaa-1378	133	172	not	not	PART
ajoaa-1378	133	173	supportive	supportive	ADJ
ajoaa-1378	133	174	asian	asian	ADJ
ajoaa-1378	133	175	journal	journal	NOUN
ajoaa-1378	133	176	of	of	ADP
ajoaa-1378	133	177	agriculture	agriculture	NOUN
ajoaa-1378	133	178	and	and	CCONJ
ajoaa-1378	133	179	rural	rural	ADJ
ajoaa-1378	133	180	development	development	NOUN
ajoaa-1378	133	181	,	,	PUNCT
ajoaa-1378	133	182	5(2)2015	5(2)2015	NUM
ajoaa-1378	133	183	:	:	PUNCT
ajoaa-1378	133	184	42	42	NUM
ajoaa-1378	133	185	-	-	SYM
ajoaa-1378	133	186	52	52	NUM
ajoaa-1378	133	187	50	50	NUM
ajoaa-1378	133	188	l	l	NOUN
ajoaa-1378	133	189	advertisement	advertisement	NOUN
ajoaa-1378	133	190	(	(	PUNCT
ajoaa-1378	133	191	printing	printing	NOUN
ajoaa-1378	133	192	press	press	NOUN
ajoaa-1378	133	193	,	,	PUNCT
ajoaa-1378	133	194	radio	radio	NOUN
ajoaa-1378	133	195	,	,	PUNCT
ajoaa-1378	133	196	tv	tv	NOUN
ajoaa-1378	133	197	and	and	CCONJ
ajoaa-1378	133	198	local	local	ADJ
ajoaa-1378	133	199	advert	advert	NOUN
ajoaa-1378	133	200	)	)	PUNCT
ajoaa-1378	133	201	74	74	NUM
ajoaa-1378	133	202	2.06	2.06	NUM
ajoaa-1378	133	203	not	not	PART
ajoaa-1378	133	204	supportive	supportive	ADJ
ajoaa-1378	133	205	m	m	VERB
ajoaa-1378	133	206	a	a	DET
ajoaa-1378	133	207	good	good	ADJ
ajoaa-1378	133	208	living	live	VERB
ajoaa-1378	133	209	salary	salary	NOUN
ajoaa-1378	133	210	/remuneration	/remuneration	PUNCT
ajoaa-1378	133	211	81	81	NUM
ajoaa-1378	133	212	2.25	2.25	NUM
ajoaa-1378	133	213	not	not	PART
ajoaa-1378	133	214	supportive	supportive	ADJ
ajoaa-1378	133	215	grand	grand	ADJ
ajoaa-1378	133	216	mean	mean	NOUN
ajoaa-1378	134	1	47.69	47.69	NUM
ajoaa-1378	134	2	3.41	3.41	NUM
ajoaa-1378	134	3	supportive	supportive	ADJ
ajoaa-1378	134	4	source	source	NOUN
ajoaa-1378	134	5	:	:	PUNCT
ajoaa-1378	134	6	field	field	NOUN
ajoaa-1378	134	7	survey	survey	NOUN
ajoaa-1378	134	8	july	july	PROPN
ajoaa-1378	134	9	,	,	PUNCT
ajoaa-1378	134	10	2012	2012	NUM
ajoaa-1378	134	11	the	the	DET
ajoaa-1378	134	12	result	result	NOUN
ajoaa-1378	134	13	showed	show	VERB
ajoaa-1378	134	14	that	that	SCONJ
ajoaa-1378	134	15	the	the	DET
ajoaa-1378	134	16	institutions	institution	NOUN
ajoaa-1378	134	17	(	(	PUNCT
ajoaa-1378	134	18	mfbs	mfbs	PROPN
ajoaa-1378	134	19	)	)	PUNCT
ajoaa-1378	134	20	provided	provide	VERB
ajoaa-1378	134	21	a	a	DET
ajoaa-1378	134	22	lot	lot	NOUN
ajoaa-1378	134	23	of	of	ADP
ajoaa-1378	134	24	support	support	NOUN
ajoaa-1378	134	25	to	to	PART
ajoaa-1378	134	26	facilitate	facilitate	VERB
ajoaa-1378	134	27	credit	credit	NOUN
ajoaa-1378	134	28	extension	extension	NOUN
ajoaa-1378	134	29	services	service	NOUN
ajoaa-1378	134	30	which	which	PRON
ajoaa-1378	134	31	include	include	VERB
ajoaa-1378	134	32	capacity	capacity	NOUN
ajoaa-1378	134	33	building	building	NOUN
ajoaa-1378	134	34	programmes	programme	NOUN
ajoaa-1378	134	35	(	(	PUNCT
ajoaa-1378	134	36	4.22	4.22	NUM
ajoaa-1378	134	37	)	)	PUNCT
ajoaa-1378	134	38	;	;	PUNCT
ajoaa-1378	134	39	adequate	adequate	ADJ
ajoaa-1378	134	40	logistic	logistic	NOUN
ajoaa-1378	134	41	(	(	PUNCT
ajoaa-1378	134	42	3.69	3.69	NUM
ajoaa-1378	134	43	)	)	PUNCT
ajoaa-1378	134	44	,	,	PUNCT
ajoaa-1378	134	45	i.t	i.t	PROPN
ajoaa-1378	134	46	facilities	facility	NOUN
ajoaa-1378	134	47	(	(	PUNCT
ajoaa-1378	134	48	4.28	4.28	NUM
ajoaa-1378	134	49	)	)	PUNCT
ajoaa-1378	134	50	;	;	PUNCT
ajoaa-1378	134	51	adequate	adequate	ADJ
ajoaa-1378	134	52	number	number	NOUN
ajoaa-1378	134	53	of	of	ADP
ajoaa-1378	134	54	staff	staff	NOUN
ajoaa-1378	134	55	(	(	PUNCT
ajoaa-1378	134	56	3.69	3.69	NUM
ajoaa-1378	134	57	)	)	PUNCT
ajoaa-1378	134	58	;	;	PUNCT
ajoaa-1378	134	59	bod	bod	ADJ
ajoaa-1378	134	60	and	and	CCONJ
ajoaa-1378	134	61	management	management	NOUN
ajoaa-1378	134	62	assistance	assistance	NOUN
ajoaa-1378	134	63	(	(	PUNCT
ajoaa-1378	134	64	4.03	4.03	NUM
ajoaa-1378	134	65	)	)	PUNCT
ajoaa-1378	134	66	;	;	PUNCT
ajoaa-1378	134	67	information	information	NOUN
ajoaa-1378	134	68	and	and	CCONJ
ajoaa-1378	134	69	networking	networking	NOUN
ajoaa-1378	134	70	(	(	PUNCT
ajoaa-1378	134	71	3.97	3.97	NUM
ajoaa-1378	134	72	)	)	PUNCT
ajoaa-1378	134	73	;	;	PUNCT
ajoaa-1378	134	74	marketing	marketing	NOUN
ajoaa-1378	134	75	materials	material	NOUN
ajoaa-1378	134	76	(	(	PUNCT
ajoaa-1378	134	77	3.58	3.58	NUM
ajoaa-1378	134	78	)	)	PUNCT
ajoaa-1378	134	79	;	;	PUNCT
ajoaa-1378	134	80	product	product	NOUN
ajoaa-1378	134	81	/	/	SYM
ajoaa-1378	134	82	services	service	NOUN
ajoaa-1378	134	83	development	development	NOUN
ajoaa-1378	134	84	(	(	PUNCT
ajoaa-1378	134	85	3.03	3.03	NUM
ajoaa-1378	134	86	)	)	PUNCT
ajoaa-1378	134	87	.	.	PUNCT
ajoaa-1378	135	1	in	in	ADP
ajoaa-1378	135	2	summary	summary	NOUN
ajoaa-1378	135	3	,	,	PUNCT
ajoaa-1378	135	4	the	the	DET
ajoaa-1378	135	5	grand	grand	ADJ
ajoaa-1378	135	6	mean	mean	NOUN
ajoaa-1378	135	7	is	be	AUX
ajoaa-1378	135	8	(	(	PUNCT
ajoaa-1378	135	9	3.41	3.41	NUM
ajoaa-1378	135	10	)	)	PUNCT
ajoaa-1378	135	11	which	which	PRON
ajoaa-1378	135	12	indicated	indicate	VERB
ajoaa-1378	135	13	that	that	SCONJ
ajoaa-1378	135	14	the	the	DET
ajoaa-1378	135	15	mfbs	mfbs	NOUN
ajoaa-1378	135	16	have	have	AUX
ajoaa-1378	135	17	been	be	AUX
ajoaa-1378	135	18	supportive	supportive	ADJ
ajoaa-1378	135	19	to	to	ADP
ajoaa-1378	135	20	the	the	DET
ajoaa-1378	135	21	credit	credit	NOUN
ajoaa-1378	135	22	officers	officer	NOUN
ajoaa-1378	135	23	’	’	PART
ajoaa-1378	135	24	extension	extension	NOUN
ajoaa-1378	135	25	services	service	NOUN
ajoaa-1378	135	26	delivery	delivery	NOUN
ajoaa-1378	135	27	.	.	PUNCT
ajoaa-1378	136	1	meanwhile	meanwhile	ADV
ajoaa-1378	136	2	,	,	PUNCT
ajoaa-1378	136	3	there	there	PRON
ajoaa-1378	136	4	are	be	VERB
ajoaa-1378	136	5	some	some	DET
ajoaa-1378	136	6	aspects	aspect	NOUN
ajoaa-1378	136	7	where	where	SCONJ
ajoaa-1378	136	8	the	the	DET
ajoaa-1378	136	9	institutions	institution	NOUN
ajoaa-1378	136	10	(	(	PUNCT
ajoaa-1378	136	11	mfbs	mfbs	PROPN
ajoaa-1378	136	12	)	)	PUNCT
ajoaa-1378	136	13	have	have	AUX
ajoaa-1378	136	14	not	not	PART
ajoaa-1378	136	15	been	be	AUX
ajoaa-1378	136	16	supportive	supportive	ADJ
ajoaa-1378	136	17	to	to	ADP
ajoaa-1378	136	18	the	the	DET
ajoaa-1378	136	19	credit	credit	NOUN
ajoaa-1378	136	20	officers	officer	NOUN
ajoaa-1378	136	21	and	and	CCONJ
ajoaa-1378	136	22	these	these	DET
ajoaa-1378	136	23	score	score	NOUN
ajoaa-1378	136	24	below	below	ADV
ajoaa-1378	136	25	(	(	PUNCT
ajoaa-1378	136	26	<	<	X
ajoaa-1378	136	27	3.0	3.0	NUM
ajoaa-1378	136	28	)	)	PUNCT
ajoaa-1378	136	29	mean	mean	NOUN
ajoaa-1378	136	30	rating	rating	NOUN
ajoaa-1378	136	31	.	.	PUNCT
ajoaa-1378	137	1	these	these	PRON
ajoaa-1378	137	2	include	include	VERB
ajoaa-1378	137	3	;	;	PUNCT
ajoaa-1378	137	4	incentives	incentive	NOUN
ajoaa-1378	137	5	and	and	CCONJ
ajoaa-1378	137	6	motivation	motivation	NOUN
ajoaa-1378	137	7	(	(	PUNCT
ajoaa-1378	137	8	2.75	2.75	NUM
ajoaa-1378	137	9	)	)	PUNCT
ajoaa-1378	137	10	;	;	PUNCT
ajoaa-1378	137	11	promotional	promotional	ADJ
ajoaa-1378	137	12	programmes	programme	NOUN
ajoaa-1378	137	13	(	(	PUNCT
ajoaa-1378	137	14	2.39	2.39	NUM
ajoaa-1378	137	15	)	)	PUNCT
ajoaa-1378	137	16	;	;	PUNCT
ajoaa-1378	137	17	advertisement	advertisement	NOUN
ajoaa-1378	137	18	(	(	PUNCT
ajoaa-1378	137	19	2.06	2.06	NUM
ajoaa-1378	137	20	)	)	PUNCT
ajoaa-1378	137	21	;	;	PUNCT
ajoaa-1378	137	22	and	and	CCONJ
ajoaa-1378	137	23	a	a	DET
ajoaa-1378	137	24	good	good	ADJ
ajoaa-1378	137	25	living	live	VERB
ajoaa-1378	137	26	salary	salary	NOUN
ajoaa-1378	137	27	(	(	PUNCT
ajoaa-1378	137	28	2.25	2.25	NUM
ajoaa-1378	137	29	)	)	PUNCT
ajoaa-1378	137	30	.	.	PUNCT
ajoaa-1378	138	1	3.8	3.8	NUM
ajoaa-1378	138	2	.	.	PUNCT
ajoaa-1378	138	3	test	test	NOUN
ajoaa-1378	138	4	of	of	ADP
ajoaa-1378	138	5	hypothesis	hypothesis	NOUN
ajoaa-1378	138	6	(	(	PUNCT
ajoaa-1378	138	7	h03	h03	NOUN
ajoaa-1378	138	8	)	)	PUNCT
ajoaa-1378	138	9	hypothesis	hypothesis	NOUN
ajoaa-1378	138	10	(	(	PUNCT
ajoaa-1378	138	11	h03	h03	NOUN
ajoaa-1378	138	12	)	)	PUNCT
ajoaa-1378	138	13	was	be	AUX
ajoaa-1378	138	14	subjected	subject	VERB
ajoaa-1378	138	15	to	to	PART
ajoaa-1378	138	16	test	test	VERB
ajoaa-1378	138	17	with	with	ADP
ajoaa-1378	138	18	x	x	SYM
ajoaa-1378	138	19	2	2	NUM
ajoaa-1378	138	20	so	so	SCONJ
ajoaa-1378	138	21	as	as	SCONJ
ajoaa-1378	138	22	to	to	PART
ajoaa-1378	138	23	affirm	affirm	VERB
ajoaa-1378	138	24	the	the	DET
ajoaa-1378	138	25	result	result	NOUN
ajoaa-1378	138	26	of	of	ADP
ajoaa-1378	138	27	descriptive	descriptive	ADJ
ajoaa-1378	138	28	(	(	PUNCT
ajoaa-1378	138	29	table	table	NOUN
ajoaa-1378	138	30	5	5	NUM
ajoaa-1378	138	31	)	)	PUNCT
ajoaa-1378	138	32	.	.	PUNCT
ajoaa-1378	139	1	h03	h03	NOUN
ajoaa-1378	139	2	:	:	PUNCT
ajoaa-1378	139	3	credit	credit	NOUN
ajoaa-1378	139	4	officers	officer	NOUN
ajoaa-1378	139	5	of	of	ADP
ajoaa-1378	139	6	mfbs	mfbs	PROPN
ajoaa-1378	139	7	do	do	AUX
ajoaa-1378	139	8	not	not	PART
ajoaa-1378	139	9	have	have	VERB
ajoaa-1378	139	10	significant	significant	ADJ
ajoaa-1378	139	11	support	support	NOUN
ajoaa-1378	139	12	of	of	ADP
ajoaa-1378	139	13	their	their	PRON
ajoaa-1378	139	14	organization	organization	NOUN
ajoaa-1378	139	15	for	for	ADP
ajoaa-1378	139	16	effective	effective	ADJ
ajoaa-1378	139	17	extension	extension	NOUN
ajoaa-1378	139	18	service	service	NOUN
ajoaa-1378	139	19	delivery	delivery	NOUN
ajoaa-1378	139	20	.	.	PUNCT
ajoaa-1378	140	1	ha3	ha3	ADJ
ajoaa-1378	140	2	:	:	PUNCT
ajoaa-1378	140	3	credit	credit	NOUN
ajoaa-1378	140	4	officers	officer	NOUN
ajoaa-1378	140	5	of	of	ADP
ajoaa-1378	140	6	mfbs	mfbs	PROPN
ajoaa-1378	140	7	do	do	AUX
ajoaa-1378	140	8	have	have	VERB
ajoaa-1378	140	9	significant	significant	ADJ
ajoaa-1378	140	10	support	support	NOUN
ajoaa-1378	140	11	of	of	ADP
ajoaa-1378	140	12	their	their	PRON
ajoaa-1378	140	13	organization	organization	NOUN
ajoaa-1378	140	14	for	for	ADP
ajoaa-1378	140	15	effective	effective	ADJ
ajoaa-1378	140	16	extension	extension	NOUN
ajoaa-1378	140	17	service	service	NOUN
ajoaa-1378	140	18	delivery	delivery	NOUN
ajoaa-1378	140	19	.	.	PUNCT
ajoaa-1378	141	1	table	table	NOUN
ajoaa-1378	141	2	6	6	NUM
ajoaa-1378	141	3	:	:	PUNCT
ajoaa-1378	141	4	test	test	NOUN
ajoaa-1378	141	5	statistics	statistic	NOUN
ajoaa-1378	141	6	result	result	VERB
ajoaa-1378	141	7	summary	summary	NOUN
ajoaa-1378	141	8	of	of	ADP
ajoaa-1378	141	9	x	x	SYM
ajoaa-1378	141	10	2	2	NUM
ajoaa-1378	141	11	df	df	NOUN
ajoaa-1378	141	12	calculated	calculate	VERB
ajoaa-1378	141	13	x	x	SYM
ajoaa-1378	141	14	2	2	NUM
ajoaa-1378	141	15	value	value	NOUN
ajoaa-1378	141	16	sig	sig	NOUN
ajoaa-1378	141	17	model	model	NOUN
ajoaa-1378	141	18	12	12	NUM
ajoaa-1378	141	19	0.857	0.857	NUM
ajoaa-1378	141	20	1.000	1.000	NUM
ajoaa-1378	141	21	3.9	3.9	NUM
ajoaa-1378	141	22	.	.	PUNCT
ajoaa-1378	142	1	decision	decision	NOUN
ajoaa-1378	142	2	in	in	ADP
ajoaa-1378	142	3	the	the	DET
ajoaa-1378	142	4	above	above	ADJ
ajoaa-1378	142	5	test	test	NOUN
ajoaa-1378	142	6	statistics	statistic	NOUN
ajoaa-1378	142	7	summary	summary	NOUN
ajoaa-1378	142	8	,	,	PUNCT
ajoaa-1378	142	9	the	the	DET
ajoaa-1378	142	10	calculated	calculated	ADJ
ajoaa-1378	142	11	x	x	SYM
ajoaa-1378	142	12	2	2	NUM
ajoaa-1378	142	13	value	value	NOUN
ajoaa-1378	142	14	(	(	PUNCT
ajoaa-1378	142	15	.857	.857	NUM
ajoaa-1378	142	16	)	)	PUNCT
ajoaa-1378	142	17	is	be	AUX
ajoaa-1378	142	18	less	less	ADJ
ajoaa-1378	142	19	than	than	ADP
ajoaa-1378	142	20	the	the	DET
ajoaa-1378	142	21	table	table	NOUN
ajoaa-1378	142	22	value	value	NOUN
ajoaa-1378	142	23	(	(	PUNCT
ajoaa-1378	142	24	1.000	1.000	NUM
ajoaa-1378	142	25	)	)	PUNCT
ajoaa-1378	142	26	at	at	ADP
ajoaa-1378	142	27	0.05	0.05	NUM
ajoaa-1378	142	28	level	level	NOUN
ajoaa-1378	142	29	of	of	ADP
ajoaa-1378	142	30	significance	significance	NOUN
ajoaa-1378	142	31	.	.	PUNCT
ajoaa-1378	143	1	therefore	therefore	ADV
ajoaa-1378	143	2	,	,	PUNCT
ajoaa-1378	143	3	the	the	DET
ajoaa-1378	143	4	null	null	ADJ
ajoaa-1378	143	5	hypothesis	hypothesis	NOUN
ajoaa-1378	143	6	(	(	PUNCT
ajoaa-1378	143	7	h03	h03	NOUN
ajoaa-1378	143	8	)	)	PUNCT
ajoaa-1378	143	9	is	be	AUX
ajoaa-1378	143	10	accepted	accept	VERB
ajoaa-1378	143	11	while	while	SCONJ
ajoaa-1378	143	12	the	the	DET
ajoaa-1378	143	13	alternate	alternate	ADJ
ajoaa-1378	143	14	(	(	PUNCT
ajoaa-1378	143	15	ha3	ha3	PROPN
ajoaa-1378	143	16	)	)	PUNCT
ajoaa-1378	143	17	is	be	AUX
ajoaa-1378	143	18	rejected	reject	VERB
ajoaa-1378	143	19	.	.	PUNCT
ajoaa-1378	144	1	the	the	DET
ajoaa-1378	144	2	implication	implication	NOUN
ajoaa-1378	144	3	is	be	AUX
ajoaa-1378	144	4	that	that	SCONJ
ajoaa-1378	144	5	the	the	DET
ajoaa-1378	144	6	credit	credit	NOUN
ajoaa-1378	144	7	officers	officer	NOUN
ajoaa-1378	144	8	of	of	ADP
ajoaa-1378	144	9	mfbs	mfbs	PROPN
ajoaa-1378	144	10	do	do	AUX
ajoaa-1378	144	11	not	not	PART
ajoaa-1378	144	12	have	have	VERB
ajoaa-1378	144	13	significant	significant	ADJ
ajoaa-1378	144	14	support	support	NOUN
ajoaa-1378	144	15	from	from	ADP
ajoaa-1378	144	16	their	their	PRON
ajoaa-1378	144	17	organization	organization	NOUN
ajoaa-1378	144	18	for	for	ADP
ajoaa-1378	144	19	effective	effective	ADJ
ajoaa-1378	144	20	credit	credit	NOUN
ajoaa-1378	144	21	service	service	NOUN
ajoaa-1378	144	22	delivery	delivery	NOUN
ajoaa-1378	144	23	in	in	ADP
ajoaa-1378	144	24	rural	rural	ADJ
ajoaa-1378	144	25	finance	finance	NOUN
ajoaa-1378	144	26	intermediation	intermediation	NOUN
ajoaa-1378	144	27	.	.	PUNCT
ajoaa-1378	145	1	comparing	compare	VERB
ajoaa-1378	145	2	the	the	DET
ajoaa-1378	145	3	result	result	NOUN
ajoaa-1378	145	4	to	to	ADP
ajoaa-1378	145	5	the	the	DET
ajoaa-1378	145	6	descriptive	descriptive	ADJ
ajoaa-1378	145	7	analysis	analysis	NOUN
ajoaa-1378	145	8	(	(	PUNCT
ajoaa-1378	145	9	table	table	NOUN
ajoaa-1378	145	10	4	4	NUM
ajoaa-1378	145	11	)	)	PUNCT
ajoaa-1378	145	12	which	which	PRON
ajoaa-1378	145	13	has	have	VERB
ajoaa-1378	145	14	grand	grand	ADJ
ajoaa-1378	145	15	mean	mean	NOUN
ajoaa-1378	145	16	of	of	ADP
ajoaa-1378	145	17	3.41	3.41	NUM
ajoaa-1378	145	18	indicating	indicate	VERB
ajoaa-1378	145	19	that	that	SCONJ
ajoaa-1378	145	20	the	the	DET
ajoaa-1378	145	21	banks	bank	NOUN
ajoaa-1378	145	22	support	support	VERB
ajoaa-1378	145	23	,	,	PUNCT
ajoaa-1378	145	24	we	we	PRON
ajoaa-1378	145	25	conclude	conclude	VERB
ajoaa-1378	145	26	that	that	SCONJ
ajoaa-1378	145	27	though	though	SCONJ
ajoaa-1378	145	28	there	there	PRON
ajoaa-1378	145	29	might	might	AUX
ajoaa-1378	145	30	be	be	AUX
ajoaa-1378	145	31	support	support	NOUN
ajoaa-1378	145	32	from	from	ADP
ajoaa-1378	145	33	the	the	DET
ajoaa-1378	145	34	mfbs	mfbs	NOUN
ajoaa-1378	145	35	,	,	PUNCT
ajoaa-1378	145	36	but	but	CCONJ
ajoaa-1378	145	37	,	,	PUNCT
ajoaa-1378	145	38	perhaps	perhaps	ADV
ajoaa-1378	145	39	not	not	PART
ajoaa-1378	145	40	strong	strong	ADJ
ajoaa-1378	145	41	enough	enough	ADV
ajoaa-1378	145	42	.	.	PUNCT
ajoaa-1378	146	1	3.10	3.10	NUM
ajoaa-1378	146	2	.	.	PUNCT
ajoaa-1378	146	3	challenges	challenge	NOUN
ajoaa-1378	146	4	of	of	ADP
ajoaa-1378	146	5	carrying	carry	VERB
ajoaa-1378	146	6	out	out	ADP
ajoaa-1378	146	7	credit	credit	NOUN
ajoaa-1378	146	8	extension	extension	NOUN
ajoaa-1378	146	9	services	service	NOUN
ajoaa-1378	146	10	table	table	VERB
ajoaa-1378	146	11	7	7	NUM
ajoaa-1378	146	12	:	:	PUNCT
ajoaa-1378	146	13	responses	response	NOUN
ajoaa-1378	146	14	of	of	ADP
ajoaa-1378	146	15	the	the	DET
ajoaa-1378	146	16	credit	credit	NOUN
ajoaa-1378	146	17	officers	officer	NOUN
ajoaa-1378	146	18	on	on	ADP
ajoaa-1378	146	19	the	the	DET
ajoaa-1378	146	20	challenges	challenge	NOUN
ajoaa-1378	146	21	of	of	ADP
ajoaa-1378	146	22	carrying	carry	VERB
ajoaa-1378	146	23	out	out	ADP
ajoaa-1378	146	24	credit	credit	NOUN
ajoaa-1378	146	25	extension	extension	NOUN
ajoaa-1378	146	26	services	service	NOUN
ajoaa-1378	146	27	s	s	PART
ajoaa-1378	146	28	/	/	SYM
ajoaa-1378	146	29	n	n	NOUN
ajoaa-1378	146	30	challenges	challenge	VERB
ajoaa-1378	146	31	fx	fx	NOUN
ajoaa-1378	146	32	mean	mean	VERB
ajoaa-1378	146	33	(	(	PUNCT
ajoaa-1378	146	34	x	x	NOUN
ajoaa-1378	146	35	)	)	PUNCT
ajoaa-1378	146	36	decision	decision	NOUN
ajoaa-1378	146	37	a	a	DET
ajoaa-1378	146	38	unavailability	unavailability	NOUN
ajoaa-1378	146	39	of	of	ADP
ajoaa-1378	146	40	effective	effective	ADJ
ajoaa-1378	146	41	credit	credit	NOUN
ajoaa-1378	146	42	policy	policy	NOUN
ajoaa-1378	146	43	153	153	NUM
ajoaa-1378	146	44	4.25	4.25	NUM
ajoaa-1378	146	45	agree	agree	VERB
ajoaa-1378	146	46	b	b	DET
ajoaa-1378	146	47	unavailability	unavailability	NOUN
ajoaa-1378	146	48	of	of	ADP
ajoaa-1378	146	49	socio	socio	NOUN
ajoaa-1378	146	50	economic	economic	ADJ
ajoaa-1378	146	51	baseline	baseline	PROPN
ajoaa-1378	146	52	data	datum	NOUN
ajoaa-1378	146	53	114	114	NUM
ajoaa-1378	146	54	3.17	3.17	NUM
ajoaa-1378	146	55	agree	agree	VERB
ajoaa-1378	146	56	c	c	PROPN
ajoaa-1378	146	57	delinquency	delinquency	NOUN
ajoaa-1378	146	58	cases	case	NOUN
ajoaa-1378	146	59	such	such	ADJ
ajoaa-1378	146	60	as	as	ADP
ajoaa-1378	146	61	loan	loan	NOUN
ajoaa-1378	146	62	default	default	NOUN
ajoaa-1378	146	63	136	136	NUM
ajoaa-1378	146	64	3.7	3.7	NUM
ajoaa-1378	146	65	agree	agree	VERB
ajoaa-1378	146	66	d	d	NOUN
ajoaa-1378	146	67	lack	lack	NOUN
ajoaa-1378	146	68	of	of	ADP
ajoaa-1378	146	69	fund	fund	NOUN
ajoaa-1378	146	70	to	to	PART
ajoaa-1378	146	71	meet	meet	VERB
ajoaa-1378	146	72	credit	credit	NOUN
ajoaa-1378	146	73	needs	need	NOUN
ajoaa-1378	146	74	of	of	ADP
ajoaa-1378	146	75	clients	client	NOUN
ajoaa-1378	146	76	86	86	NUM
ajoaa-1378	146	77	2.39	2.39	NUM
ajoaa-1378	146	78	disagree	disagree	VERB
ajoaa-1378	146	79	e	e	ADP
ajoaa-1378	146	80	poor	poor	ADJ
ajoaa-1378	146	81	/	/	SYM
ajoaa-1378	146	82	lack	lack	NOUN
ajoaa-1378	146	83	of	of	ADP
ajoaa-1378	146	84	support	support	NOUN
ajoaa-1378	146	85	from	from	ADP
ajoaa-1378	146	86	bods	bod	NOUN
ajoaa-1378	146	87	99	99	NUM
ajoaa-1378	146	88	2.65	2.65	NUM
ajoaa-1378	146	89	disagree	disagree	VERB
ajoaa-1378	146	90	f	f	PROPN
ajoaa-1378	146	91	non	non	ADJ
ajoaa-1378	146	92	availability	availability	NOUN
ajoaa-1378	146	93	of	of	ADP
ajoaa-1378	146	94	collateral	collateral	NOUN
ajoaa-1378	146	95	for	for	ADP
ajoaa-1378	146	96	lending	lend	VERB
ajoaa-1378	146	97	149	149	NUM
ajoaa-1378	146	98	4.14	4.14	NUM
ajoaa-1378	146	99	disagree	disagree	VERB
ajoaa-1378	146	100	g	g	NOUN
ajoaa-1378	146	101	lack	lack	NOUN
ajoaa-1378	146	102	of	of	ADP
ajoaa-1378	146	103	assistance	assistance	NOUN
ajoaa-1378	146	104	from	from	ADP
ajoaa-1378	146	105	mfbs	mfbs	PROPN
ajoaa-1378	146	106	management	management	NOUN
ajoaa-1378	146	107	81	81	NUM
ajoaa-1378	146	108	2.25	2.25	NUM
ajoaa-1378	146	109	disagree	disagree	VERB
ajoaa-1378	146	110	h	h	PRON
ajoaa-1378	146	111	poor	poor	ADJ
ajoaa-1378	146	112	knowledge	knowledge	NOUN
ajoaa-1378	146	113	/	/	SYM
ajoaa-1378	146	114	training	training	NOUN
ajoaa-1378	146	115	in	in	ADP
ajoaa-1378	146	116	dealing	deal	VERB
ajoaa-1378	146	117	with	with	ADP
ajoaa-1378	146	118	clients	client	NOUN
ajoaa-1378	146	119	120	120	NUM
ajoaa-1378	146	120	3.33	3.33	NUM
ajoaa-1378	146	121	agree	agree	VERB
ajoaa-1378	146	122	i	i	PRON
ajoaa-1378	146	123	inadequate	inadequate	ADJ
ajoaa-1378	146	124	staff	staff	NOUN
ajoaa-1378	146	125	to	to	PART
ajoaa-1378	146	126	effectively	effectively	ADV
ajoaa-1378	146	127	mobilize	mobilize	VERB
ajoaa-1378	146	128	and	and	CCONJ
ajoaa-1378	146	129	monitor	monitor	VERB
ajoaa-1378	146	130	clients	client	NOUN
ajoaa-1378	146	131	111	111	NUM
ajoaa-1378	146	132	3.08	3.08	NUM
ajoaa-1378	146	133	agree	agree	VERB
ajoaa-1378	146	134	asian	asian	ADJ
ajoaa-1378	146	135	journal	journal	NOUN
ajoaa-1378	146	136	of	of	ADP
ajoaa-1378	146	137	agriculture	agriculture	NOUN
ajoaa-1378	146	138	and	and	CCONJ
ajoaa-1378	146	139	rural	rural	ADJ
ajoaa-1378	146	140	development	development	NOUN
ajoaa-1378	146	141	,	,	PUNCT
ajoaa-1378	146	142	5(2)2015	5(2)2015	NUM
ajoaa-1378	146	143	:	:	PUNCT
ajoaa-1378	146	144	42	42	NUM
ajoaa-1378	146	145	-	-	SYM
ajoaa-1378	146	146	52	52	NUM
ajoaa-1378	146	147	51	51	NUM
ajoaa-1378	146	148	j	j	NOUN
ajoaa-1378	146	149	weak	weak	ADJ
ajoaa-1378	146	150	savings	saving	NOUN
ajoaa-1378	146	151	mobilization	mobilization	NOUN
ajoaa-1378	146	152	and	and	CCONJ
ajoaa-1378	146	153	loan	loan	NOUN
ajoaa-1378	146	154	recovery	recovery	NOUN
ajoaa-1378	146	155	method	method	NOUN
ajoaa-1378	146	156	106	106	NUM
ajoaa-1378	146	157	2.94	2.94	NUM
ajoaa-1378	146	158	disagree	disagree	VERB
ajoaa-1378	146	159	k	k	PROPN
ajoaa-1378	146	160	inadequate	inadequate	ADJ
ajoaa-1378	146	161	logistics	logistic	NOUN
ajoaa-1378	146	162	/	/	SYM
ajoaa-1378	146	163	infrastructure	infrastructure	NOUN
ajoaa-1378	146	164	to	to	PART
ajoaa-1378	146	165	meet	meet	VERB
ajoaa-1378	146	166	need	need	NOUN
ajoaa-1378	146	167	of	of	ADP
ajoaa-1378	146	168	clients	client	NOUN
ajoaa-1378	146	169	122	122	NUM
ajoaa-1378	146	170	3.38	3.38	NUM
ajoaa-1378	146	171	agree	agree	VERB
ajoaa-1378	146	172	l	l	PROPN
ajoaa-1378	146	173	poor	poor	ADJ
ajoaa-1378	146	174	remuneration	remuneration	NOUN
ajoaa-1378	146	175	and	and	CCONJ
ajoaa-1378	146	176	motivation	motivation	NOUN
ajoaa-1378	146	177	of	of	ADP
ajoaa-1378	146	178	staff	staff	NOUN
ajoaa-1378	146	179	199	199	NUM
ajoaa-1378	146	180	3.30	3.30	NUM
ajoaa-1378	146	181	agree	agree	VERB
ajoaa-1378	146	182	grand	grand	ADJ
ajoaa-1378	146	183	mean	mean	NOUN
ajoaa-1378	146	184	38.58	38.58	NUM
ajoaa-1378	146	185	3.22	3.22	NUM
ajoaa-1378	146	186	agree	agree	NOUN
ajoaa-1378	146	187	source	source	NOUN
ajoaa-1378	146	188	:	:	PUNCT
ajoaa-1378	146	189	field	field	NOUN
ajoaa-1378	146	190	survey	survey	NOUN
ajoaa-1378	146	191	july	july	PROPN
ajoaa-1378	146	192	,	,	PUNCT
ajoaa-1378	146	193	2012	2012	NUM
ajoaa-1378	146	194	the	the	DET
ajoaa-1378	146	195	result	result	NOUN
ajoaa-1378	146	196	obtained	obtain	VERB
ajoaa-1378	146	197	from	from	ADP
ajoaa-1378	146	198	5	5	NUM
ajoaa-1378	146	199	point	point	NOUN
ajoaa-1378	146	200	likert	likert	ADJ
ajoaa-1378	146	201	scale	scale	NOUN
ajoaa-1378	146	202	with	with	ADP
ajoaa-1378	146	203	mean	mean	NOUN
ajoaa-1378	146	204	of	of	ADP
ajoaa-1378	146	205	3.0	3.0	NUM
ajoaa-1378	146	206	which	which	PRON
ajoaa-1378	146	207	means	mean	VERB
ajoaa-1378	146	208	that	that	SCONJ
ajoaa-1378	146	209	any	any	DET
ajoaa-1378	146	210	response	response	NOUN
ajoaa-1378	146	211	that	that	PRON
ajoaa-1378	146	212	score	score	VERB
ajoaa-1378	146	213	below	below	ADP
ajoaa-1378	146	214	3.0	3.0	NUM
ajoaa-1378	146	215	of	of	ADP
ajoaa-1378	146	216	the	the	DET
ajoaa-1378	146	217	mean	mean	NOUN
ajoaa-1378	146	218	is	be	AUX
ajoaa-1378	146	219	negative	negative	ADJ
ajoaa-1378	146	220	(	(	PUNCT
ajoaa-1378	146	221	disagree	disagree	VERB
ajoaa-1378	146	222	)	)	PUNCT
ajoaa-1378	146	223	while	while	SCONJ
ajoaa-1378	146	224	any	any	DET
ajoaa-1378	146	225	response	response	NOUN
ajoaa-1378	146	226	that	that	PRON
ajoaa-1378	146	227	is	be	AUX
ajoaa-1378	146	228	above	above	ADV
ajoaa-1378	146	229	(	(	PUNCT
ajoaa-1378	146	230			PROPN
ajoaa-1378	146	231	)	)	PUNCT
ajoaa-1378	146	232	3.0	3.0	NUM
ajoaa-1378	146	233	mean	mean	NOUN
ajoaa-1378	146	234	rating	rating	NOUN
ajoaa-1378	146	235	is	be	AUX
ajoaa-1378	146	236	positive	positive	ADJ
ajoaa-1378	146	237	(	(	PUNCT
ajoaa-1378	146	238	agree	agree	NOUN
ajoaa-1378	146	239	)	)	PUNCT
ajoaa-1378	146	240	.	.	PUNCT
ajoaa-1378	147	1	therefore	therefore	ADV
ajoaa-1378	147	2	,	,	PUNCT
ajoaa-1378	147	3	the	the	DET
ajoaa-1378	147	4	respondents	respondent	NOUN
ajoaa-1378	147	5	(	(	PUNCT
ajoaa-1378	147	6	credit	credit	NOUN
ajoaa-1378	147	7	officers	officer	NOUN
ajoaa-1378	147	8	)	)	PUNCT
ajoaa-1378	147	9	agree	agree	VERB
ajoaa-1378	147	10	to	to	ADP
ajoaa-1378	147	11	the	the	DET
ajoaa-1378	147	12	most	most	ADJ
ajoaa-1378	147	13	of	of	ADP
ajoaa-1378	147	14	the	the	DET
ajoaa-1378	147	15	challenges	challenge	NOUN
ajoaa-1378	147	16	that	that	PRON
ajoaa-1378	147	17	constraints	constraint	VERB
ajoaa-1378	147	18	their	their	PRON
ajoaa-1378	147	19	credit	credit	NOUN
ajoaa-1378	147	20	extension	extension	NOUN
ajoaa-1378	147	21	service	service	NOUN
ajoaa-1378	147	22	delivery	delivery	NOUN
ajoaa-1378	147	23	and	and	CCONJ
ajoaa-1378	147	24	these	these	PRON
ajoaa-1378	147	25	include	include	VERB
ajoaa-1378	147	26	,	,	PUNCT
ajoaa-1378	147	27	unavailability	unavailability	NOUN
ajoaa-1378	147	28	of	of	ADP
ajoaa-1378	147	29	effective	effective	ADJ
ajoaa-1378	147	30	credit	credit	NOUN
ajoaa-1378	147	31	policy	policy	NOUN
ajoaa-1378	147	32	(	(	PUNCT
ajoaa-1378	147	33	4.25	4.25	NUM
ajoaa-1378	147	34	)	)	PUNCT
ajoaa-1378	147	35	,	,	PUNCT
ajoaa-1378	147	36	loan	loan	NOUN
ajoaa-1378	147	37	default	default	NOUN
ajoaa-1378	147	38	(	(	PUNCT
ajoaa-1378	147	39	3.7	3.7	NUM
ajoaa-1378	147	40	)	)	PUNCT
ajoaa-1378	147	41	,	,	PUNCT
ajoaa-1378	147	42	non	non	ADJ
ajoaa-1378	147	43	-	-	NOUN
ajoaa-1378	147	44	provision	provision	NOUN
ajoaa-1378	147	45	of	of	ADP
ajoaa-1378	147	46	collateral	collateral	NOUN
ajoaa-1378	147	47	for	for	ADP
ajoaa-1378	147	48	lending	lending	NOUN
ajoaa-1378	147	49	(	(	PUNCT
ajoaa-1378	147	50	4.14	4.14	NUM
ajoaa-1378	147	51	)	)	PUNCT
ajoaa-1378	147	52	;	;	PUNCT
ajoaa-1378	147	53	logistic	logistic	ADJ
ajoaa-1378	147	54	problem	problem	NOUN
ajoaa-1378	147	55	(	(	PUNCT
ajoaa-1378	147	56	3.38	3.38	NUM
ajoaa-1378	147	57	)	)	PUNCT
ajoaa-1378	147	58	,	,	PUNCT
ajoaa-1378	147	59	as	as	ADV
ajoaa-1378	147	60	well	well	ADV
ajoaa-1378	147	61	as	as	ADP
ajoaa-1378	147	62	poor	poor	ADJ
ajoaa-1378	147	63	salary	salary	NOUN
ajoaa-1378	147	64	package	package	NOUN
ajoaa-1378	147	65	(	(	PUNCT
ajoaa-1378	147	66	3.30	3.30	NUM
ajoaa-1378	147	67	)	)	PUNCT
ajoaa-1378	147	68	.	.	PUNCT
ajoaa-1378	148	1	meanwhile	meanwhile	ADV
ajoaa-1378	148	2	,	,	PUNCT
ajoaa-1378	148	3	the	the	DET
ajoaa-1378	148	4	respondents	respondent	NOUN
ajoaa-1378	148	5	disagree	disagree	VERB
ajoaa-1378	148	6	to	to	ADP
ajoaa-1378	148	7	some	some	PRON
ajoaa-1378	148	8	of	of	ADP
ajoaa-1378	148	9	the	the	DET
ajoaa-1378	148	10	challenges	challenge	NOUN
ajoaa-1378	148	11	since	since	SCONJ
ajoaa-1378	148	12	that	that	PRON
ajoaa-1378	148	13	does	do	AUX
ajoaa-1378	148	14	not	not	PART
ajoaa-1378	148	15	constraints	constraint	VERB
ajoaa-1378	148	16	their	their	PRON
ajoaa-1378	148	17	extension	extension	NOUN
ajoaa-1378	148	18	service	service	NOUN
ajoaa-1378	148	19	delivery	delivery	NOUN
ajoaa-1378	148	20	in	in	ADP
ajoaa-1378	148	21	rural	rural	ADJ
ajoaa-1378	148	22	finance	finance	NOUN
ajoaa-1378	148	23	intermediation	intermediation	NOUN
ajoaa-1378	148	24	.	.	PUNCT
ajoaa-1378	149	1	these	these	PRON
ajoaa-1378	149	2	include	include	VERB
ajoaa-1378	149	3	;	;	PUNCT
ajoaa-1378	149	4	lack	lack	NOUN
ajoaa-1378	149	5	of	of	ADP
ajoaa-1378	149	6	fund	fund	NOUN
ajoaa-1378	149	7	to	to	PART
ajoaa-1378	149	8	meet	meet	VERB
ajoaa-1378	149	9	clients	client	NOUN
ajoaa-1378	149	10	’	'	PUNCT
ajoaa-1378	149	11	needs	need	NOUN
ajoaa-1378	149	12	(	(	PUNCT
ajoaa-1378	149	13	2.39	2.39	NUM
ajoaa-1378	149	14	)	)	PUNCT
ajoaa-1378	149	15	,	,	PUNCT
ajoaa-1378	149	16	lack	lack	NOUN
ajoaa-1378	149	17	of	of	ADP
ajoaa-1378	149	18	support	support	NOUN
ajoaa-1378	149	19	/	/	SYM
ajoaa-1378	149	20	assistance	assistance	NOUN
ajoaa-1378	149	21	from	from	ADP
ajoaa-1378	149	22	bods	bod	NOUN
ajoaa-1378	149	23	(	(	PUNCT
ajoaa-1378	149	24	2.65	2.65	NUM
ajoaa-1378	149	25	)	)	PUNCT
ajoaa-1378	149	26	as	as	ADV
ajoaa-1378	149	27	well	well	ADV
ajoaa-1378	149	28	as	as	ADP
ajoaa-1378	149	29	weak	weak	ADJ
ajoaa-1378	149	30	savings	saving	NOUN
ajoaa-1378	149	31	mobilization	mobilization	NOUN
ajoaa-1378	149	32	and	and	CCONJ
ajoaa-1378	149	33	loan	loan	NOUN
ajoaa-1378	149	34	recovery	recovery	NOUN
ajoaa-1378	149	35	method	method	NOUN
ajoaa-1378	149	36	(	(	PUNCT
ajoaa-1378	149	37	2.94	2.94	NUM
ajoaa-1378	149	38	)	)	PUNCT
ajoaa-1378	149	39	.	.	PUNCT
ajoaa-1378	150	1	so	so	ADV
ajoaa-1378	150	2	in	in	SCONJ
ajoaa-1378	150	3	order	order	NOUN
ajoaa-1378	150	4	to	to	ADP
ajoaa-1378	150	5	strengthening	strengthen	VERB
ajoaa-1378	150	6	credit	credit	NOUN
ajoaa-1378	150	7	officers	officer	NOUN
ajoaa-1378	150	8	in	in	ADP
ajoaa-1378	150	9	effective	effective	ADJ
ajoaa-1378	150	10	credit	credit	NOUN
ajoaa-1378	150	11	extension	extension	NOUN
ajoaa-1378	150	12	service	service	NOUN
ajoaa-1378	150	13	for	for	ADP
ajoaa-1378	150	14	rural	rural	ADJ
ajoaa-1378	150	15	finance	finance	NOUN
ajoaa-1378	150	16	intermediation	intermediation	NOUN
ajoaa-1378	150	17	all	all	DET
ajoaa-1378	150	18	the	the	DET
ajoaa-1378	150	19	aforementioned	aforementioned	ADJ
ajoaa-1378	150	20	challenges	challenge	NOUN
ajoaa-1378	150	21	need	need	VERB
ajoaa-1378	150	22	to	to	PART
ajoaa-1378	150	23	be	be	AUX
ajoaa-1378	150	24	addressed	address	VERB
ajoaa-1378	150	25	.	.	PUNCT
ajoaa-1378	151	1	4	4	X
ajoaa-1378	151	2	.	.	X
ajoaa-1378	151	3	conclusion	conclusion	NOUN
ajoaa-1378	151	4	and	and	CCONJ
ajoaa-1378	151	5	implications	implication	NOUN
ajoaa-1378	151	6	for	for	ADP
ajoaa-1378	151	7	rural	rural	ADJ
ajoaa-1378	151	8	finance	finance	NOUN
ajoaa-1378	151	9	intermediation	intermediation	NOUN
ajoaa-1378	151	10	rural	rural	ADJ
ajoaa-1378	151	11	finance	finance	NOUN
ajoaa-1378	151	12	intermediation	intermediation	NOUN
ajoaa-1378	151	13	is	be	AUX
ajoaa-1378	151	14	vital	vital	ADJ
ajoaa-1378	151	15	to	to	ADP
ajoaa-1378	151	16	achieving	achieve	VERB
ajoaa-1378	151	17	rural	rural	ADJ
ajoaa-1378	151	18	development	development	NOUN
ajoaa-1378	151	19	and	and	CCONJ
ajoaa-1378	151	20	credit	credit	NOUN
ajoaa-1378	151	21	officers	officer	NOUN
ajoaa-1378	151	22	of	of	ADP
ajoaa-1378	151	23	mfbs	mfbs	PROPN
ajoaa-1378	151	24	have	have	VERB
ajoaa-1378	151	25	a	a	DET
ajoaa-1378	151	26	role	role	NOUN
ajoaa-1378	151	27	of	of	ADP
ajoaa-1378	151	28	effectively	effectively	ADV
ajoaa-1378	151	29	delivering	deliver	VERB
ajoaa-1378	151	30	microcredit	microcredit	NOUN
ajoaa-1378	151	31	and	and	CCONJ
ajoaa-1378	151	32	its	its	PRON
ajoaa-1378	151	33	support	support	NOUN
ajoaa-1378	151	34	services	service	NOUN
ajoaa-1378	151	35	(	(	PUNCT
ajoaa-1378	151	36	extension	extension	NOUN
ajoaa-1378	151	37	)	)	PUNCT
ajoaa-1378	151	38	to	to	ADP
ajoaa-1378	151	39	the	the	DET
ajoaa-1378	151	40	bank	bank	NOUN
ajoaa-1378	151	41	clients	client	NOUN
ajoaa-1378	151	42	.	.	PUNCT
ajoaa-1378	152	1	the	the	DET
ajoaa-1378	152	2	outcome	outcome	NOUN
ajoaa-1378	152	3	of	of	ADP
ajoaa-1378	152	4	this	this	DET
ajoaa-1378	152	5	study	study	NOUN
ajoaa-1378	152	6	has	have	AUX
ajoaa-1378	152	7	shown	show	VERB
ajoaa-1378	152	8	that	that	SCONJ
ajoaa-1378	152	9	the	the	DET
ajoaa-1378	152	10	credit	credit	NOUN
ajoaa-1378	152	11	officers	officer	NOUN
ajoaa-1378	152	12	have	have	VERB
ajoaa-1378	152	13	adequate	adequate	ADJ
ajoaa-1378	152	14	knowledge	knowledge	NOUN
ajoaa-1378	152	15	of	of	ADP
ajoaa-1378	152	16	the	the	DET
ajoaa-1378	152	17	extension	extension	NOUN
ajoaa-1378	152	18	services	service	NOUN
ajoaa-1378	152	19	obligations	obligation	NOUN
ajoaa-1378	152	20	of	of	ADP
ajoaa-1378	152	21	their	their	PRON
ajoaa-1378	152	22	banks	bank	NOUN
ajoaa-1378	152	23	to	to	ADP
ajoaa-1378	152	24	clients	client	NOUN
ajoaa-1378	152	25	.	.	PUNCT
ajoaa-1378	153	1	equally	equally	ADV
ajoaa-1378	153	2	,	,	PUNCT
ajoaa-1378	153	3	they	they	PRON
ajoaa-1378	153	4	have	have	AUX
ajoaa-1378	153	5	been	be	AUX
ajoaa-1378	153	6	found	find	VERB
ajoaa-1378	153	7	to	to	PART
ajoaa-1378	153	8	be	be	AUX
ajoaa-1378	153	9	involved	involve	VERB
ajoaa-1378	153	10	,	,	PUNCT
ajoaa-1378	153	11	though	though	SCONJ
ajoaa-1378	153	12	not	not	PART
ajoaa-1378	153	13	significantly	significantly	ADV
ajoaa-1378	153	14	high	high	ADJ
ajoaa-1378	153	15	in	in	ADP
ajoaa-1378	153	16	delivering	deliver	VERB
ajoaa-1378	153	17	extension	extension	NOUN
ajoaa-1378	153	18	services	service	NOUN
ajoaa-1378	153	19	.	.	PUNCT
ajoaa-1378	154	1	the	the	DET
ajoaa-1378	154	2	study	study	NOUN
ajoaa-1378	154	3	did	do	AUX
ajoaa-1378	154	4	also	also	ADV
ajoaa-1378	154	5	find	find	VERB
ajoaa-1378	154	6	out	out	ADP
ajoaa-1378	154	7	that	that	SCONJ
ajoaa-1378	154	8	though	though	SCONJ
ajoaa-1378	154	9	the	the	DET
ajoaa-1378	154	10	credit	credit	NOUN
ajoaa-1378	154	11	officers	officer	NOUN
ajoaa-1378	154	12	are	be	AUX
ajoaa-1378	154	13	supported	support	VERB
ajoaa-1378	154	14	by	by	ADP
ajoaa-1378	154	15	their	their	PRON
ajoaa-1378	154	16	banks	bank	NOUN
ajoaa-1378	154	17	to	to	PART
ajoaa-1378	154	18	execute	execute	VERB
ajoaa-1378	154	19	their	their	PRON
ajoaa-1378	154	20	services	service	NOUN
ajoaa-1378	154	21	,	,	PUNCT
ajoaa-1378	154	22	but	but	CCONJ
ajoaa-1378	154	23	that	that	SCONJ
ajoaa-1378	154	24	it	it	PRON
ajoaa-1378	154	25	was	be	AUX
ajoaa-1378	154	26	not	not	PART
ajoaa-1378	154	27	significantly	significantly	ADV
ajoaa-1378	154	28	adequate	adequate	ADJ
ajoaa-1378	154	29	.	.	PUNCT
ajoaa-1378	155	1	in	in	ADP
ajoaa-1378	155	2	a	a	DET
ajoaa-1378	155	3	bid	bid	NOUN
ajoaa-1378	155	4	to	to	PART
ajoaa-1378	155	5	strengthen	strengthen	VERB
ajoaa-1378	155	6	credit	credit	NOUN
ajoaa-1378	155	7	officers	officer	NOUN
ajoaa-1378	155	8	of	of	ADP
ajoaa-1378	155	9	mfbs	mfbs	NOUN
ajoaa-1378	155	10	for	for	ADP
ajoaa-1378	155	11	effective	effective	ADJ
ajoaa-1378	155	12	rural	rural	ADJ
ajoaa-1378	155	13	finance	finance	NOUN
ajoaa-1378	155	14	intermediation	intermediation	NOUN
ajoaa-1378	155	15	through	through	ADP
ajoaa-1378	155	16	credit	credit	NOUN
ajoaa-1378	155	17	extension	extension	NOUN
ajoaa-1378	155	18	service	service	NOUN
ajoaa-1378	155	19	delivery	delivery	NOUN
ajoaa-1378	155	20	,	,	PUNCT
ajoaa-1378	155	21	the	the	DET
ajoaa-1378	155	22	following	follow	VERB
ajoaa-1378	155	23	recommendations	recommendation	NOUN
ajoaa-1378	155	24	are	be	AUX
ajoaa-1378	155	25	made	make	VERB
ajoaa-1378	155	26	:	:	PUNCT
ajoaa-1378	155	27			NOUN
ajoaa-1378	155	28	capacity	capacity	NOUN
ajoaa-1378	155	29	building	building	NOUN
ajoaa-1378	155	30	programmes	programme	NOUN
ajoaa-1378	155	31	for	for	ADP
ajoaa-1378	155	32	credit	credit	NOUN
ajoaa-1378	155	33	officers	officer	NOUN
ajoaa-1378	155	34	should	should	AUX
ajoaa-1378	155	35	part	part	VERB
ajoaa-1378	155	36	and	and	CCONJ
ajoaa-1378	155	37	parcel	parcel	NOUN
ajoaa-1378	155	38	of	of	ADP
ajoaa-1378	155	39	mfbs	mfbs	PROPN
ajoaa-1378	155	40	support	support	NOUN
ajoaa-1378	155	41	activities	activity	NOUN
ajoaa-1378	155	42	so	so	SCONJ
ajoaa-1378	155	43	as	as	SCONJ
ajoaa-1378	155	44	to	to	PART
ajoaa-1378	155	45	improve	improve	VERB
ajoaa-1378	155	46	and	and	CCONJ
ajoaa-1378	155	47	sustain	sustain	VERB
ajoaa-1378	155	48	credit	credit	NOUN
ajoaa-1378	155	49	officers	officer	NOUN
ajoaa-1378	155	50	’	’	PART
ajoaa-1378	155	51	knowledge	knowledge	NOUN
ajoaa-1378	155	52	and	and	CCONJ
ajoaa-1378	155	53	skills	skill	NOUN
ajoaa-1378	155	54	on	on	ADP
ajoaa-1378	155	55	credit	credit	NOUN
ajoaa-1378	155	56	extension	extension	NOUN
ajoaa-1378	155	57	services	service	NOUN
ajoaa-1378	155	58	for	for	ADP
ajoaa-1378	155	59	effective	effective	ADJ
ajoaa-1378	155	60	rural	rural	ADJ
ajoaa-1378	155	61	finance	finance	NOUN
ajoaa-1378	155	62	intermediation	intermediation	NOUN
ajoaa-1378	155	63	.	.	PUNCT
ajoaa-1378	156	1			NOUN
ajoaa-1378	156	2	credit	credit	NOUN
ajoaa-1378	156	3	officers	officer	NOUN
ajoaa-1378	156	4	should	should	AUX
ajoaa-1378	156	5	be	be	AUX
ajoaa-1378	156	6	more	more	ADV
ajoaa-1378	156	7	involved	involved	ADJ
ajoaa-1378	156	8	in	in	ADP
ajoaa-1378	156	9	the	the	DET
ajoaa-1378	156	10	design	design	NOUN
ajoaa-1378	156	11	,	,	PUNCT
ajoaa-1378	156	12	reviewing	reviewing	NOUN
ajoaa-1378	156	13	and	and	CCONJ
ajoaa-1378	156	14	implementation	implementation	NOUN
ajoaa-1378	156	15	of	of	ADP
ajoaa-1378	156	16	credit	credit	NOUN
ajoaa-1378	156	17	policies	policy	NOUN
ajoaa-1378	156	18	,	,	PUNCT
ajoaa-1378	156	19	because	because	SCONJ
ajoaa-1378	156	20	they	they	PRON
ajoaa-1378	156	21	transact	transact	VERB
ajoaa-1378	156	22	directly	directly	ADV
ajoaa-1378	156	23	with	with	ADP
ajoaa-1378	156	24	the	the	DET
ajoaa-1378	156	25	clients	client	NOUN
ajoaa-1378	156	26	and	and	CCONJ
ajoaa-1378	156	27	therefore	therefore	ADV
ajoaa-1378	156	28	exposed	expose	VERB
ajoaa-1378	156	29	to	to	ADP
ajoaa-1378	156	30	their	their	PRON
ajoaa-1378	156	31	needs	need	NOUN
ajoaa-1378	156	32	.	.	PUNCT
ajoaa-1378	157	1			NOUN
ajoaa-1378	157	2	for	for	ADP
ajoaa-1378	157	3	mfbs	mfbs	NOUN
ajoaa-1378	157	4	to	to	PART
ajoaa-1378	157	5	achieve	achieve	VERB
ajoaa-1378	157	6	result	result	NOUN
ajoaa-1378	157	7	,	,	PUNCT
ajoaa-1378	157	8	the	the	DET
ajoaa-1378	157	9	institutions	institution	NOUN
ajoaa-1378	157	10	should	should	AUX
ajoaa-1378	157	11	not	not	PART
ajoaa-1378	157	12	only	only	ADV
ajoaa-1378	157	13	provide	provide	VERB
ajoaa-1378	157	14	materials	material	NOUN
ajoaa-1378	157	15	needed	need	VERB
ajoaa-1378	157	16	for	for	ADP
ajoaa-1378	157	17	the	the	DET
ajoaa-1378	157	18	extension	extension	NOUN
ajoaa-1378	157	19	services	service	NOUN
ajoaa-1378	157	20	,	,	PUNCT
ajoaa-1378	157	21	but	but	CCONJ
ajoaa-1378	157	22	in	in	ADP
ajoaa-1378	157	23	addition	addition	NOUN
ajoaa-1378	157	24	improve	improve	VERB
ajoaa-1378	157	25	on	on	ADP
ajoaa-1378	157	26	their	their	PRON
ajoaa-1378	157	27	welfare	welfare	NOUN
ajoaa-1378	157	28	.	.	PUNCT
ajoaa-1378	158	1	therefore	therefore	ADV
ajoaa-1378	158	2	,	,	PUNCT
ajoaa-1378	158	3	incentives	incentive	VERB
ajoaa-1378	158	4	such	such	ADJ
ajoaa-1378	158	5	as	as	ADP
ajoaa-1378	158	6	attractive	attractive	ADJ
ajoaa-1378	158	7	salary	salary	NOUN
ajoaa-1378	158	8	;	;	PUNCT
ajoaa-1378	158	9	timely	timely	ADJ
ajoaa-1378	158	10	allowances	allowance	NOUN
ajoaa-1378	158	11	;	;	PUNCT
ajoaa-1378	158	12	insurance	insurance	NOUN
ajoaa-1378	158	13	covers	cover	VERB
ajoaa-1378	158	14	;	;	PUNCT
ajoaa-1378	158	15	training	training	NOUN
ajoaa-1378	158	16	and	and	CCONJ
ajoaa-1378	158	17	logistics	logistic	NOUN
ajoaa-1378	158	18	are	be	AUX
ajoaa-1378	158	19	motivational	motivational	ADJ
ajoaa-1378	158	20	factors	factor	NOUN
ajoaa-1378	158	21	that	that	PRON
ajoaa-1378	158	22	will	will	AUX
ajoaa-1378	158	23	bring	bring	VERB
ajoaa-1378	158	24	out	out	ADP
ajoaa-1378	158	25	their	their	PRON
ajoaa-1378	158	26	best	good	ADJ
ajoaa-1378	158	27	in	in	ADP
ajoaa-1378	158	28	rural	rural	ADJ
ajoaa-1378	158	29	finance	finance	NOUN
ajoaa-1378	158	30	intermediation	intermediation	NOUN
ajoaa-1378	158	31	.	.	PUNCT
ajoaa-1378	159	1			PROPN
ajoaa-1378	159	2	mfbs	mfbs	PROPN
ajoaa-1378	159	3	should	should	AUX
ajoaa-1378	159	4	also	also	ADV
ajoaa-1378	159	5	directly	directly	ADV
ajoaa-1378	159	6	carryout	carryout	VERB
ajoaa-1378	159	7	a	a	DET
ajoaa-1378	159	8	socio	socio	NOUN
ajoaa-1378	159	9	-	-	PUNCT
ajoaa-1378	159	10	economic	economic	ADJ
ajoaa-1378	159	11	baseline	baseline	NOUN
ajoaa-1378	159	12	data	datum	NOUN
ajoaa-1378	159	13	of	of	ADP
ajoaa-1378	159	14	their	their	PRON
ajoaa-1378	159	15	catchment	catchment	NOUN
ajoaa-1378	159	16	-	-	PUNCT
ajoaa-1378	159	17	area	area	NOUN
ajoaa-1378	159	18	(	(	PUNCT
ajoaa-1378	159	19	business	business	NOUN
ajoaa-1378	159	20	environment	environment	PROPN
ajoaa-1378	159	21	)	)	PUNCT
ajoaa-1378	159	22	if	if	SCONJ
ajoaa-1378	159	23	they	they	PRON
ajoaa-1378	159	24	have	have	VERB
ajoaa-1378	159	25	the	the	DET
ajoaa-1378	159	26	skill	skill	NOUN
ajoaa-1378	159	27	to	to	PART
ajoaa-1378	159	28	do	do	VERB
ajoaa-1378	159	29	so	so	ADV
ajoaa-1378	159	30	or	or	CCONJ
ajoaa-1378	159	31	in	in	ADP
ajoaa-1378	159	32	the	the	DET
ajoaa-1378	159	33	alternative	alternative	ADJ
ajoaa-1378	159	34	use	use	NOUN
ajoaa-1378	159	35	professionals	professional	NOUN
ajoaa-1378	159	36	(	(	PUNCT
ajoaa-1378	159	37	consultants	consultant	NOUN
ajoaa-1378	159	38	)	)	PUNCT
ajoaa-1378	159	39	.	.	PUNCT
ajoaa-1378	160	1	such	such	ADJ
ajoaa-1378	160	2	information	information	NOUN
ajoaa-1378	160	3	(	(	PUNCT
ajoaa-1378	160	4	data	data	PROPN
ajoaa-1378	160	5	)	)	PUNCT
ajoaa-1378	160	6	if	if	SCONJ
ajoaa-1378	160	7	derived	derive	VERB
ajoaa-1378	160	8	will	will	AUX
ajoaa-1378	160	9	facilitate	facilitate	VERB
ajoaa-1378	160	10	their	their	PRON
ajoaa-1378	160	11	detailed	detailed	ADJ
ajoaa-1378	160	12	knowledge	knowledge	NOUN
ajoaa-1378	160	13	of	of	ADP
ajoaa-1378	160	14	their	their	PRON
ajoaa-1378	160	15	clients	client	NOUN
ajoaa-1378	160	16	,	,	PUNCT
ajoaa-1378	160	17	their	their	PRON
ajoaa-1378	160	18	economic	economic	ADJ
ajoaa-1378	160	19	activities	activity	NOUN
ajoaa-1378	160	20	which	which	PRON
ajoaa-1378	160	21	is	be	AUX
ajoaa-1378	160	22	need	need	NOUN
ajoaa-1378	160	23	for	for	ADP
ajoaa-1378	160	24	strategic	strategic	ADJ
ajoaa-1378	160	25	planning	planning	NOUN
ajoaa-1378	160	26	.	.	PUNCT
ajoaa-1378	161	1			NOUN
ajoaa-1378	161	2	microfinance	microfinance	NOUN
ajoaa-1378	161	3	banking	banking	NOUN
ajoaa-1378	161	4	is	be	AUX
ajoaa-1378	161	5	indeed	indeed	ADV
ajoaa-1378	161	6	mostly	mostly	ADV
ajoaa-1378	161	7	a	a	DET
ajoaa-1378	161	8	field	field	NOUN
ajoaa-1378	161	9	activity	activity	NOUN
ajoaa-1378	161	10	in	in	ADP
ajoaa-1378	161	11	-	-	PUNCT
ajoaa-1378	161	12	view	view	NOUN
ajoaa-1378	161	13	of	of	ADP
ajoaa-1378	161	14	the	the	DET
ajoaa-1378	161	15	nature	nature	NOUN
ajoaa-1378	161	16	of	of	ADP
ajoaa-1378	161	17	their	their	PRON
ajoaa-1378	161	18	clients	client	NOUN
ajoaa-1378	161	19	.	.	PUNCT
ajoaa-1378	162	1	therefore	therefore	ADV
ajoaa-1378	162	2	,	,	PUNCT
ajoaa-1378	162	3	they	they	PRON
ajoaa-1378	162	4	should	should	AUX
ajoaa-1378	162	5	have	have	VERB
ajoaa-1378	162	6	adequate	adequate	ADJ
ajoaa-1378	162	7	credit	credit	NOUN
ajoaa-1378	162	8	officers	officer	NOUN
ajoaa-1378	162	9	to	to	PART
ajoaa-1378	162	10	effectively	effectively	ADV
ajoaa-1378	162	11	cover	cover	VERB
ajoaa-1378	162	12	,	,	PUNCT
ajoaa-1378	162	13	monitor	monitor	NOUN
ajoaa-1378	162	14	,	,	PUNCT
ajoaa-1378	162	15	develop	develop	VERB
ajoaa-1378	162	16	and	and	CCONJ
ajoaa-1378	162	17	ensure	ensure	VERB
ajoaa-1378	162	18	effective	effective	ADJ
ajoaa-1378	162	19	loan	loan	NOUN
ajoaa-1378	162	20	repayment	repayment	NOUN
ajoaa-1378	162	21	.	.	PUNCT
ajoaa-1378	163	1	asian	asian	ADJ
ajoaa-1378	163	2	journal	journal	PROPN
ajoaa-1378	163	3	of	of	ADP
ajoaa-1378	163	4	agriculture	agriculture	NOUN
ajoaa-1378	163	5	and	and	CCONJ
ajoaa-1378	163	6	rural	rural	ADJ
ajoaa-1378	163	7	development	development	NOUN
ajoaa-1378	163	8	,	,	PUNCT
ajoaa-1378	163	9	5(2)2015	5(2)2015	NUM
ajoaa-1378	163	10	:	:	PUNCT
ajoaa-1378	163	11	42	42	NUM
ajoaa-1378	163	12	-	-	SYM
ajoaa-1378	163	13	52	52	NUM
ajoaa-1378	163	14	52	52	NUM
ajoaa-1378	163	15	views	view	NOUN
ajoaa-1378	163	16	and	and	CCONJ
ajoaa-1378	163	17	opinions	opinion	NOUN
ajoaa-1378	163	18	expressed	express	VERB
ajoaa-1378	163	19	in	in	ADP
ajoaa-1378	163	20	this	this	DET
ajoaa-1378	163	21	study	study	NOUN
ajoaa-1378	163	22	are	be	AUX
ajoaa-1378	163	23	the	the	DET
ajoaa-1378	163	24	views	view	NOUN
ajoaa-1378	163	25	and	and	CCONJ
ajoaa-1378	163	26	opinions	opinion	NOUN
ajoaa-1378	163	27	of	of	ADP
ajoaa-1378	163	28	the	the	DET
ajoaa-1378	163	29	authors	author	NOUN
ajoaa-1378	163	30	,	,	PUNCT
ajoaa-1378	163	31	asian	asian	ADJ
ajoaa-1378	163	32	journal	journal	NOUN
ajoaa-1378	163	33	of	of	ADP
ajoaa-1378	163	34	agriculture	agriculture	NOUN
ajoaa-1378	163	35	and	and	CCONJ
ajoaa-1378	163	36	rural	rural	ADJ
ajoaa-1378	163	37	development	development	NOUN
ajoaa-1378	163	38	shall	shall	AUX
ajoaa-1378	163	39	not	not	PART
ajoaa-1378	163	40	be	be	AUX
ajoaa-1378	163	41	responsible	responsible	ADJ
ajoaa-1378	163	42	or	or	CCONJ
ajoaa-1378	163	43	answerable	answerable	ADJ
ajoaa-1378	163	44	for	for	ADP
ajoaa-1378	163	45	any	any	DET
ajoaa-1378	163	46	loss	loss	NOUN
ajoaa-1378	163	47	,	,	PUNCT
ajoaa-1378	163	48	damage	damage	NOUN
ajoaa-1378	163	49	or	or	CCONJ
ajoaa-1378	163	50	liability	liability	NOUN
ajoaa-1378	163	51	etc	etc	X
ajoaa-1378	163	52	.	.	X
ajoaa-1378	163	53	caused	cause	VERB
ajoaa-1378	163	54	in	in	ADP
ajoaa-1378	163	55	relation	relation	NOUN
ajoaa-1378	163	56	to	to	PART
ajoaa-1378	163	57	/	/	PUNCT
ajoaa-1378	163	58	arising	arise	VERB
ajoaa-1378	163	59	out	out	ADP
ajoaa-1378	163	60	of	of	ADP
ajoaa-1378	163	61	the	the	DET
ajoaa-1378	163	62	use	use	NOUN
ajoaa-1378	163	63	of	of	ADP
ajoaa-1378	163	64	the	the	DET
ajoaa-1378	163	65	content	content	NOUN
ajoaa-1378	163	66	.	.	PUNCT
ajoaa-1378	164	1	references	reference	NOUN
ajoaa-1378	164	2	adekanye	adekanye	PROPN
ajoaa-1378	164	3	(	(	PUNCT
ajoaa-1378	164	4	1998	1998	NUM
ajoaa-1378	164	5	)	)	PUNCT
ajoaa-1378	164	6	.	.	PUNCT
ajoaa-1378	165	1	community	community	NOUN
ajoaa-1378	165	2	and	and	CCONJ
ajoaa-1378	165	3	rural	rural	ADJ
ajoaa-1378	165	4	financing	financing	NOUN
ajoaa-1378	165	5	in	in	ADP
ajoaa-1378	165	6	ayo	ayo	PROPN
ajoaa-1378	165	7	and	and	CCONJ
ajoaa-1378	165	8	jemoke	jemoke	PROPN
ajoaa-1378	165	9	reading	reading	NOUN
ajoaa-1378	165	10	of	of	ADP
ajoaa-1378	165	11	micro	micro	NOUN
ajoaa-1378	165	12	-	-	NOUN
ajoaa-1378	165	13	financing	financing	NOUN
ajoaa-1378	165	14	of	of	ADP
ajoaa-1378	165	15	osun	osun	PROPN
ajoaa-1378	165	16	state	state	PROPN
ajoaa-1378	165	17	review	review	PROPN
ajoaa-1378	165	18	.	.	PUNCT
ajoaa-1378	166	1	retrieved	retrieve	VERB
ajoaa-1378	166	2	from	from	ADP
ajoaa-1378	166	3	http://www.google.com	http://www.google.com	PROPN
ajoaa-1378	166	4	on	on	ADP
ajoaa-1378	166	5	june	june	PROPN
ajoaa-1378	166	6	2012	2012	NUM
ajoaa-1378	166	7	.	.	PUNCT
ajoaa-1378	167	1	adeyemi	adeyemi	ADV
ajoaa-1378	167	2	(	(	PUNCT
ajoaa-1378	167	3	2008	2008	NUM
ajoaa-1378	167	4	)	)	PUNCT
ajoaa-1378	167	5	.	.	PUNCT
ajoaa-1378	168	1	macroeconomic	macroeconomic	ADJ
ajoaa-1378	168	2	environment	environment	NOUN
ajoaa-1378	168	3	and	and	CCONJ
ajoaa-1378	168	4	agricultural	agricultural	ADJ
ajoaa-1378	168	5	sectors	sector	NOUN
ajoaa-1378	168	6	growth	growth	NOUN
ajoaa-1378	168	7	in	in	ADP
ajoaa-1378	168	8	nigeria	nigeria	PROPN
ajoaa-1378	168	9	.	.	PUNCT
ajoaa-1378	169	1	world	world	PROPN
ajoaa-1378	169	2	journal	journal	PROPN
ajoaa-1378	169	3	of	of	ADP
ajoaa-1378	169	4	agricultural	agricultural	ADJ
ajoaa-1378	169	5	science	science	NOUN
ajoaa-1378	169	6	,	,	PUNCT
ajoaa-1378	169	7	4(6	4(6	NUM
ajoaa-1378	169	8	)	)	PUNCT
ajoaa-1378	169	9	,	,	PUNCT
ajoaa-1378	169	10	981	981	NUM
ajoaa-1378	169	11	-	-	SYM
ajoaa-1378	169	12	986	986	NUM
ajoaa-1378	169	13	.	.	PUNCT
ajoaa-1378	170	1	adigwe	adigwe	PROPN
ajoaa-1378	170	2	(	(	PUNCT
ajoaa-1378	170	3	2007	2007	NUM
ajoaa-1378	170	4	)	)	PUNCT
ajoaa-1378	170	5	.	.	PUNCT
ajoaa-1378	171	1	development	development	NOUN
ajoaa-1378	171	2	targets	target	NOUN
ajoaa-1378	171	3	in	in	ADP
ajoaa-1378	171	4	nigeria	nigeria	PROPN
ajoaa-1378	171	5	enugu	enugu	PROPN
ajoaa-1378	171	6	micro	micro	PROPN
ajoaa-1378	171	7	-	-	NOUN
ajoaa-1378	171	8	loan	loan	NOUN
ajoaa-1378	171	9	to	to	ADP
ajoaa-1378	171	10	agricultural	agricultural	ADJ
ajoaa-1378	171	11	sector	sector	NOUN
ajoaa-1378	171	12	.	.	PUNCT
ajoaa-1378	172	1	enugu	enugu	PROPN
ajoaa-1378	172	2	.	.	PUNCT
ajoaa-1378	173	1	rex	rex	PROPN
ajoaa-1378	173	2	publishers	publishers	PROPN
ajoaa-1378	173	3	ltd	ltd	PROPN
ajoaa-1378	173	4	.	.	PROPN
ajoaa-1378	173	5	agene	agene	PROPN
ajoaa-1378	173	6	,	,	PUNCT
ajoaa-1378	173	7	c.	c.	PROPN
ajoaa-1378	173	8	e.	e.	PROPN
ajoaa-1378	173	9	(	(	PUNCT
ajoaa-1378	173	10	1995	1995	NUM
ajoaa-1378	173	11	)	)	PUNCT
ajoaa-1378	173	12	.	.	PUNCT
ajoaa-1378	174	1	the	the	DET
ajoaa-1378	174	2	principles	principle	NOUN
ajoaa-1378	174	3	of	of	ADP
ajoaa-1378	174	4	modern	modern	ADJ
ajoaa-1378	174	5	banking	banking	NOUN
ajoaa-1378	174	6	.	.	PUNCT
ajoaa-1378	175	1	lagos	lago	NOUN
ajoaa-1378	175	2	:	:	PUNCT
ajoaa-1378	175	3	gene	gene	NOUN
ajoaa-1378	175	4	publications	publication	NOUN
ajoaa-1378	175	5	,	,	PUNCT
ajoaa-1378	175	6	nigeria	nigeria	PRON
ajoaa-1378	175	7	.	.	PUNCT
ajoaa-1378	176	1	ahmed	ahmed	PROPN
ajoaa-1378	176	2	,	,	PUNCT
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ajoaa-1378	176	4	a.	a.	NOUN
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ajoaa-1378	176	7	)	)	PUNCT
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ajoaa-1378	177	1	the	the	DET
ajoaa-1378	177	2	role	role	NOUN
ajoaa-1378	177	3	of	of	ADP
ajoaa-1378	177	4	banking	banking	NOUN
ajoaa-1378	177	5	system	system	NOUN
ajoaa-1378	177	6	in	in	ADP
ajoaa-1378	177	7	agricultural	agricultural	ADJ
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ajoaa-1378	178	1	the	the	DET
ajoaa-1378	178	2	nigerian	nigerian	ADJ
ajoaa-1378	178	3	bankers	bankers	PROPN
ajoaa-1378	178	4	journal	journal	NOUN
ajoaa-1378	178	5	,	,	PUNCT
ajoaa-1378	178	6	4(2	4(2	NUM
ajoaa-1378	178	7	)	)	PUNCT
ajoaa-1378	178	8	,	,	PUNCT
ajoaa-1378	178	9	23	23	NUM
ajoaa-1378	178	10	-	-	SYM
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ajoaa-1378	178	12	.	.	PUNCT
ajoaa-1378	179	1	aja	aja	PROPN
ajoaa-1378	179	2	(	(	PUNCT
ajoaa-1378	179	3	1998	1998	NUM
ajoaa-1378	179	4	)	)	PUNCT
ajoaa-1378	179	5	.	.	PUNCT
ajoaa-1378	180	1	financing	finance	VERB
ajoaa-1378	180	2	cooperative	cooperative	ADJ
ajoaa-1378	180	3	movement	movement	NOUN
ajoaa-1378	180	4	in	in	ADP
ajoaa-1378	180	5	nigeria	nigeria	PROPN
ajoaa-1378	180	6	.	.	PUNCT
ajoaa-1378	181	1	university	university	PROPN
ajoaa-1378	181	2	of	of	ADP
ajoaa-1378	181	3	nigeria	nigeria	PROPN
ajoaa-1378	181	4	,	,	PUNCT
ajoaa-1378	181	5	nsukka	nsukka	PROPN
ajoaa-1378	181	6	,	,	PUNCT
ajoaa-1378	181	7	enugu	enugu	PROPN
ajoaa-1378	181	8	state	state	PROPN
ajoaa-1378	181	9	.	.	PUNCT
ajoaa-1378	182	1	anyanwu	anyanwu	PROPN
ajoaa-1378	182	2	,	,	PUNCT
ajoaa-1378	182	3	a.	a.	PROPN
ajoaa-1378	182	4	c.	c.	PROPN
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ajoaa-1378	182	6	1998	1998	NUM
ajoaa-1378	182	7	)	)	PUNCT
ajoaa-1378	182	8	.	.	PUNCT
ajoaa-1378	183	1	the	the	DET
ajoaa-1378	183	2	agricultural	agricultural	ADJ
ajoaa-1378	183	3	sector	sector	NOUN
ajoaa-1378	183	4	:	:	PUNCT
ajoaa-1378	183	5	objectives	objective	NOUN
ajoaa-1378	183	6	,	,	PUNCT
ajoaa-1378	183	7	priorities	priority	NOUN
ajoaa-1378	183	8	,	,	PUNCT
ajoaa-1378	183	9	strategies	strategy	NOUN
ajoaa-1378	183	10	and	and	CCONJ
ajoaa-1378	183	11	policies	policy	NOUN
ajoaa-1378	183	12	.	.	PUNCT
ajoaa-1378	184	1	chapter	chapter	NOUN
ajoaa-1378	184	2	in	in	ADP
ajoaa-1378	184	3	book	book	NOUN
ajoaa-1378	184	4	of	of	ADP
ajoaa-1378	184	5	readings	reading	NOUN
ajoaa-1378	184	6	on	on	ADP
ajoaa-1378	184	7	policy	policy	NOUN
ajoaa-1378	184	8	issues	issue	NOUN
ajoaa-1378	184	9	in	in	ADP
ajoaa-1378	184	10	nigeria	nigeria	PROPN
ajoaa-1378	184	11	economy	economy	NOUN
ajoaa-1378	184	12	ncema	ncema	NOUN
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ajoaa-1378	185	1	beko	beko	PROPN
ajoaa-1378	185	2	,	,	PUNCT
ajoaa-1378	185	3	s.	s.	PROPN
ajoaa-1378	185	4	y.	y.	PROPN
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ajoaa-1378	185	7	)	)	PUNCT
ajoaa-1378	185	8	.	.	PUNCT
ajoaa-1378	186	1	the	the	DET
ajoaa-1378	186	2	dynamics	dynamic	NOUN
ajoaa-1378	186	3	of	of	ADP
ajoaa-1378	186	4	traditional	traditional	ADJ
ajoaa-1378	186	5	savings	saving	NOUN
ajoaa-1378	186	6	and	and	CCONJ
ajoaa-1378	186	7	credit	credit	NOUN
ajoaa-1378	186	8	associations	association	NOUN
ajoaa-1378	186	9	in	in	ADP
ajoaa-1378	186	10	rural	rural	ADJ
ajoaa-1378	186	11	development	development	NOUN
ajoaa-1378	186	12	.	.	PUNCT
ajoaa-1378	187	1	monograph	monograph	PROPN
ajoaa-1378	187	2	series	series	PROPN
ajoaa-1378	187	3	,	,	PUNCT
ajoaa-1378	187	4	crdc	crdc	PROPN
ajoaa-1378	187	5	,	,	PUNCT
ajoaa-1378	187	6	university	university	PROPN
ajoaa-1378	187	7	of	of	ADP
ajoaa-1378	187	8	nigeria	nigeria	PROPN
ajoaa-1378	187	9	,	,	PUNCT
ajoaa-1378	187	10	nsukka	nsukka	PROPN
ajoaa-1378	187	11	.	.	PUNCT
ajoaa-1378	188	1	cbn	cbn	PROPN
ajoaa-1378	188	2	(	(	PUNCT
ajoaa-1378	188	3	1995	1995	NUM
ajoaa-1378	188	4	)	)	PUNCT
ajoaa-1378	188	5	.	.	PUNCT
ajoaa-1378	189	1	central	central	PROPN
ajoaa-1378	189	2	bank	bank	PROPN
ajoaa-1378	189	3	of	of	ADP
ajoaa-1378	189	4	nigeria	nigeria	PROPN
ajoaa-1378	189	5	annual	annual	ADJ
ajoaa-1378	189	6	statement	statement	NOUN
ajoaa-1378	189	7	of	of	ADP
ajoaa-1378	189	8	account	account	NOUN
ajoaa-1378	189	9	.	.	PUNCT
ajoaa-1378	190	1	lagos	lago	NOUN
ajoaa-1378	190	2	,	,	PUNCT
ajoaa-1378	190	3	nigeria	nigeria	PROPN
ajoaa-1378	190	4	in	in	ADP
ajoaa-1378	190	5	nworgu	nworgu	PROPN
ajoaa-1378	190	6	f.c	f.c	PROPN
ajoaa-1378	190	7	.	.	PROPN
ajoaa-1378	190	8	2006	2006	NUM
ajoaa-1378	190	9	)	)	PUNCT
ajoaa-1378	190	10	prospects	prospect	NOUN
ajoaa-1378	190	11	and	and	CCONJ
ajoaa-1378	190	12	pit	pit	NOUN
ajoaa-1378	190	13	falls	fall	NOUN
ajoaa-1378	190	14	of	of	ADP
ajoaa-1378	190	15	agricultural	agricultural	ADJ
ajoaa-1378	190	16	production	production	NOUN
ajoaa-1378	190	17	technology	technology	NOUN
ajoaa-1378	190	18	,	,	PUNCT
ajoaa-1378	190	19	institute	institute	NOUN
ajoaa-1378	190	20	of	of	ADP
ajoaa-1378	190	21	agricultural	agricultural	ADJ
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ajoaa-1378	190	24	trading	trading	NOUN
ajoaa-1378	190	25	,	,	PUNCT
ajoaa-1378	190	26	ibadan	ibadan	PROPN
ajoaa-1378	190	27	nigeria	nigeria	PROPN
ajoaa-1378	190	28	.	.	PUNCT
ajoaa-1378	191	1	cbn	cbn	PROPN
ajoaa-1378	191	2	(	(	PUNCT
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ajoaa-1378	191	4	)	)	PUNCT
ajoaa-1378	191	5	.	.	PUNCT
ajoaa-1378	192	1	microfinance	microfinance	NOUN
ajoaa-1378	192	2	certification	certification	NOUN
ajoaa-1378	192	3	programme	programme	PROPN
ajoaa-1378	192	4	:	:	PUNCT
ajoaa-1378	192	5	a	a	DET
ajoaa-1378	192	6	study	study	NOUN
ajoaa-1378	192	7	manual	manual	NOUN
ajoaa-1378	192	8	.	.	PUNCT
ajoaa-1378	193	1	publication	publication	NOUN
ajoaa-1378	193	2	of	of	ADP
ajoaa-1378	193	3	central	central	ADJ
ajoaa-1378	193	4	bank	bank	PROPN
ajoaa-1378	193	5	of	of	ADP
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ajoaa-1378	193	7	(	(	PUNCT
ajoaa-1378	193	8	cbn	cbn	PROPN
ajoaa-1378	193	9	)	)	PUNCT
ajoaa-1378	193	10	.	.	PUNCT
ajoaa-1378	194	1	lagos	lago	NOUN
ajoaa-1378	194	2	.	.	PUNCT
ajoaa-1378	195	1	the	the	DET
ajoaa-1378	195	2	cibn	cibn	PROPN
ajoaa-1378	195	3	press	press	PROPN
ajoaa-1378	195	4	limited	limit	VERB
ajoaa-1378	195	5	,	,	PUNCT
ajoaa-1378	195	6	nigeria	nigeria	PROPN
ajoaa-1378	195	7	.	.	PUNCT
ajoaa-1378	196	1	okaro	okaro	NOUN
ajoaa-1378	196	2	and	and	CCONJ
ajoaa-1378	196	3	onyekwelu	onyekwelu	NOUN
ajoaa-1378	196	4	(	(	PUNCT
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ajoaa-1378	196	6	)	)	PUNCT
ajoaa-1378	196	7	.	.	PUNCT
ajoaa-1378	197	1	element	element	NOUN
ajoaa-1378	197	2	of	of	ADP
ajoaa-1378	197	3	banking	banking	NOUN
ajoaa-1378	197	4	method	method	NOUN
ajoaa-1378	197	5	and	and	CCONJ
ajoaa-1378	197	6	principles	principle	NOUN
ajoaa-1378	197	7	.	.	PUNCT
ajoaa-1378	198	1	enugu	enugu	PROPN
ajoaa-1378	198	2	press	press	NOUN
ajoaa-1378	198	3	publisher	publisher	NOUN
ajoaa-1378	198	4	.	.	PUNCT
ajoaa-1378	199	1	umebali	umebali	PROPN
ajoaa-1378	199	2	(	(	PUNCT
ajoaa-1378	199	3	2004	2004	NUM
ajoaa-1378	199	4	)	)	PUNCT
ajoaa-1378	199	5	.	.	PUNCT
ajoaa-1378	200	1	agric	agric	ADJ
ajoaa-1378	200	2	business	business	PROPN
ajoaa-1378	200	3	and	and	CCONJ
ajoaa-1378	200	4	financial	financial	ADJ
ajoaa-1378	200	5	analysis	analysis	NOUN
ajoaa-1378	200	6	.	.	PUNCT
ajoaa-1378	201	1	enugu	enugu	PROPN
ajoaa-1378	201	2	:	:	PUNCT
ajoaa-1378	201	3	noble	noble	ADJ
ajoaa-1378	201	4	publisher	publisher	PROPN
ajoaa-1378	201	5	ltd	ltd	PROPN
ajoaa-1378	201	6	.	.	PROPN
ajoaa-1378	201	7	http://www.google.com/	http://www.google.com/	PROPN