id	sid	tid	token	lemma	pos
ajoaa-1757	1	1	effect	effect	NOUN
ajoaa-1757	1	2	of	of	ADP
ajoaa-1757	1	3	selected	select	VERB
ajoaa-1757	1	4	insecticide	insecticide	NOUN
ajoaa-1757	1	5	on	on	ADP
ajoaa-1757	1	6	whitefly	whitefly	NOUN
ajoaa-1757	1	7	(	(	PUNCT
ajoaa-1757	1	8	bemisia	bemisia	NOUN
ajoaa-1757	1	9	tabaci	tabaci	NOUN
ajoaa-1757	1	10	)	)	PUNCT
ajoaa-1757	1	11	infesting	infest	VERB
ajoaa-1757	1	12	brinjal	brinjal	ADJ
ajoaa-1757	1	13	plants	plant	NOUN
ajoaa-1757	1	14	74	74	NUM
ajoaa-1757	1	15	microcredit	microcredit	NOUN
ajoaa-1757	1	16	repayment	repayment	NOUN
ajoaa-1757	1	17	among	among	ADP
ajoaa-1757	1	18	smallholder	smallholder	NOUN
ajoaa-1757	1	19	farmers	farmer	NOUN
ajoaa-1757	1	20	:	:	PUNCT
ajoaa-1757	1	21	what	what	PRON
ajoaa-1757	1	22	microfinance	microfinance	NOUN
ajoaa-1757	1	23	institutions	institution	NOUN
ajoaa-1757	1	24	need	need	VERB
ajoaa-1757	1	25	to	to	PART
ajoaa-1757	1	26	know	know	VERB
ajoaa-1757	1	27	emmanuel	emmanuel	PROPN
ajoaa-1757	1	28	tetteh	tetteh	PROPN
ajoaa-1757	1	29	jumpah	jumpah	PROPN
ajoaa-1757	1	30	,	,	PUNCT
ajoaa-1757	1	31	emmanuel	emmanuel	PROPN
ajoaa-1757	1	32	kojo	kojo	PROPN
ajoaa-1757	1	33	tetteh	tetteh	PROPN
ajoaa-1757	1	34	,	,	PUNCT
ajoaa-1757	1	35	abdulai	abdulai	PROPN
ajoaa-1757	1	36	adams	adams	PROPN
ajoaa-1757	1	37	council	council	PROPN
ajoaa-1757	1	38	for	for	ADP
ajoaa-1757	1	39	scientific	scientific	ADJ
ajoaa-1757	1	40	and	and	CCONJ
ajoaa-1757	1	41	industrial	industrial	ADJ
ajoaa-1757	1	42	research	research	NOUN
ajoaa-1757	1	43	-	-	PUNCT
ajoaa-1757	1	44	science	science	NOUN
ajoaa-1757	1	45	and	and	CCONJ
ajoaa-1757	1	46	technology	technology	NOUN
ajoaa-1757	1	47	policy	policy	NOUN
ajoaa-1757	1	48	research	research	PROPN
ajoaa-1757	1	49	institute	institute	PROPN
ajoaa-1757	1	50	,	,	PUNCT
ajoaa-1757	1	51	cantonments	cantonment	NOUN
ajoaa-1757	1	52	-	-	PUNCT
ajoaa-1757	1	53	accra	accra	PROPN
ajoaa-1757	1	54	,	,	PUNCT
ajoaa-1757	1	55	ghana	ghana	PROPN
ajoaa-1757	1	56			PROPN
ajoaa-1757	1	57	emmanuel.jumpah@gmail.com	emmanuel.jumpah@gmail.com	X
ajoaa-1757	1	58	(	(	PUNCT
ajoaa-1757	1	59	corresponding	corresponding	ADJ
ajoaa-1757	1	60	author	author	NOUN
ajoaa-1757	1	61	)	)	PUNCT
ajoaa-1757	1	62	corresponding	corresponde	VERB
ajoaa-1757	1	63	author	author	NOUN
ajoaa-1757	1	64	article	article	NOUN
ajoaa-1757	1	65	history	history	NOUN
ajoaa-1757	1	66	:	:	PUNCT
ajoaa-1757	1	67	received	receive	VERB
ajoaa-1757	1	68	:	:	PUNCT
ajoaa-1757	1	69	22	22	NUM
ajoaa-1757	1	70	-	-	PUNCT
ajoaa-1757	1	71	sep-2018	sep-2018	NOUN
ajoaa-1757	1	72	accepted	accept	VERB
ajoaa-1757	1	73	:	:	PUNCT
ajoaa-1757	1	74	22	22	NUM
ajoaa-1757	1	75	-	-	PUNCT
ajoaa-1757	1	76	oct-2018	oct-2018	NOUN
ajoaa-1757	1	77	online	online	ADV
ajoaa-1757	1	78	available	available	ADJ
ajoaa-1757	1	79	:	:	PUNCT
ajoaa-1757	1	80	07	07	NUM
ajoaa-1757	1	81	-	-	PUNCT
ajoaa-1757	1	82	nov2018	nov2018	NOUN
ajoaa-1757	1	83	keywords	keyword	NOUN
ajoaa-1757	1	84	:	:	PUNCT
ajoaa-1757	1	85	microcredit	microcredit	NOUN
ajoaa-1757	1	86	,	,	PUNCT
ajoaa-1757	1	87	repayment	repayment	NOUN
ajoaa-1757	1	88	,	,	PUNCT
ajoaa-1757	1	89	smallholder	smallholder	NOUN
ajoaa-1757	1	90	farmers	farmer	NOUN
ajoaa-1757	1	91	,	,	PUNCT
ajoaa-1757	1	92	determinants	determinant	NOUN
ajoaa-1757	1	93	,	,	PUNCT
ajoaa-1757	1	94	lenders	lender	NOUN
ajoaa-1757	1	95	,	,	PUNCT
ajoaa-1757	1	96	borrowers	borrower	NOUN
ajoaa-1757	1	97	abstract	abstract	ADJ
ajoaa-1757	1	98	microcredit	microcredit	NOUN
ajoaa-1757	1	99	default	default	NOUN
ajoaa-1757	1	100	among	among	ADP
ajoaa-1757	1	101	borrowers	borrower	NOUN
ajoaa-1757	1	102	has	have	AUX
ajoaa-1757	1	103	been	be	AUX
ajoaa-1757	1	104	rising	rise	VERB
ajoaa-1757	1	105	in	in	ADP
ajoaa-1757	1	106	recent	recent	ADJ
ajoaa-1757	1	107	years	year	NOUN
ajoaa-1757	1	108	but	but	CCONJ
ajoaa-1757	1	109	empirical	empirical	ADJ
ajoaa-1757	1	110	evidence	evidence	NOUN
ajoaa-1757	1	111	to	to	PART
ajoaa-1757	1	112	ascertain	ascertain	VERB
ajoaa-1757	1	113	the	the	DET
ajoaa-1757	1	114	factors	factor	NOUN
ajoaa-1757	1	115	determining	determine	VERB
ajoaa-1757	1	116	repayment	repayment	NOUN
ajoaa-1757	1	117	remain	remain	VERB
ajoaa-1757	1	118	lacking	lack	VERB
ajoaa-1757	1	119	especially	especially	ADV
ajoaa-1757	1	120	in	in	ADP
ajoaa-1757	1	121	developing	develop	VERB
ajoaa-1757	1	122	countries	country	NOUN
ajoaa-1757	1	123	like	like	ADP
ajoaa-1757	1	124	ghana	ghana	PROPN
ajoaa-1757	1	125	.	.	PUNCT
ajoaa-1757	2	1	this	this	DET
ajoaa-1757	2	2	study	study	NOUN
ajoaa-1757	2	3	contributes	contribute	VERB
ajoaa-1757	2	4	to	to	ADP
ajoaa-1757	2	5	addressing	address	VERB
ajoaa-1757	2	6	this	this	DET
ajoaa-1757	2	7	knowledge	knowledge	NOUN
ajoaa-1757	2	8	gap	gap	NOUN
ajoaa-1757	2	9	.	.	PUNCT
ajoaa-1757	3	1	the	the	DET
ajoaa-1757	3	2	study	study	NOUN
ajoaa-1757	3	3	used	use	VERB
ajoaa-1757	3	4	data	datum	NOUN
ajoaa-1757	3	5	of	of	ADP
ajoaa-1757	3	6	224	224	NUM
ajoaa-1757	3	7	microcredit	microcredit	NOUN
ajoaa-1757	3	8	borrowers	borrower	NOUN
ajoaa-1757	3	9	from	from	ADP
ajoaa-1757	3	10	ada	ada	PROPN
ajoaa-1757	3	11	west	west	PROPN
ajoaa-1757	3	12	and	and	CCONJ
ajoaa-1757	3	13	ada	ada	PROPN
ajoaa-1757	3	14	east	east	PROPN
ajoaa-1757	3	15	districts	district	NOUN
ajoaa-1757	3	16	to	to	PART
ajoaa-1757	3	17	analyse	analyse	VERB
ajoaa-1757	3	18	factors	factor	NOUN
ajoaa-1757	3	19	determining	determine	VERB
ajoaa-1757	3	20	repayment	repayment	NOUN
ajoaa-1757	3	21	rate	rate	NOUN
ajoaa-1757	3	22	among	among	ADP
ajoaa-1757	3	23	smallholder	smallholder	NOUN
ajoaa-1757	3	24	farmer	farmer	NOUN
ajoaa-1757	3	25	borrowers	borrower	NOUN
ajoaa-1757	3	26	.	.	PUNCT
ajoaa-1757	4	1	applying	apply	VERB
ajoaa-1757	4	2	the	the	DET
ajoaa-1757	4	3	logistic	logistic	ADJ
ajoaa-1757	4	4	regression	regression	NOUN
ajoaa-1757	4	5	model	model	NOUN
ajoaa-1757	4	6	,	,	PUNCT
ajoaa-1757	4	7	farmer	farmer	NOUN
ajoaa-1757	4	8	and	and	CCONJ
ajoaa-1757	4	9	credit	credit	NOUN
ajoaa-1757	4	10	specific	specific	ADJ
ajoaa-1757	4	11	characteristics	characteristic	NOUN
ajoaa-1757	4	12	were	be	AUX
ajoaa-1757	4	13	used	use	VERB
ajoaa-1757	4	14	to	to	PART
ajoaa-1757	4	15	analyse	analyse	VERB
ajoaa-1757	4	16	the	the	DET
ajoaa-1757	4	17	determinants	determinant	NOUN
ajoaa-1757	4	18	of	of	ADP
ajoaa-1757	4	19	microcredit	microcredit	NOUN
ajoaa-1757	4	20	repayment	repayment	NOUN
ajoaa-1757	4	21	.	.	PUNCT
ajoaa-1757	5	1	from	from	ADP
ajoaa-1757	5	2	the	the	DET
ajoaa-1757	5	3	logistic	logistic	ADJ
ajoaa-1757	5	4	regression	regression	NOUN
ajoaa-1757	5	5	,	,	PUNCT
ajoaa-1757	5	6	age	age	NOUN
ajoaa-1757	5	7	,	,	PUNCT
ajoaa-1757	5	8	gender	gender	NOUN
ajoaa-1757	5	9	,	,	PUNCT
ajoaa-1757	5	10	income	income	NOUN
ajoaa-1757	5	11	,	,	PUNCT
ajoaa-1757	5	12	and	and	CCONJ
ajoaa-1757	5	13	number	number	NOUN
ajoaa-1757	5	14	of	of	ADP
ajoaa-1757	5	15	dependants	dependant	NOUN
ajoaa-1757	5	16	increase	increase	VERB
ajoaa-1757	5	17	the	the	DET
ajoaa-1757	5	18	likelihood	likelihood	NOUN
ajoaa-1757	5	19	of	of	ADP
ajoaa-1757	5	20	repayment	repayment	NOUN
ajoaa-1757	5	21	.	.	PUNCT
ajoaa-1757	6	1	however	however	ADV
ajoaa-1757	6	2	,	,	PUNCT
ajoaa-1757	6	3	membership	membership	NOUN
ajoaa-1757	6	4	of	of	ADP
ajoaa-1757	6	5	farmer	farmer	NOUN
ajoaa-1757	6	6	based	base	VERB
ajoaa-1757	6	7	organization	organization	NOUN
ajoaa-1757	6	8	,	,	PUNCT
ajoaa-1757	6	9	experience	experience	NOUN
ajoaa-1757	6	10	,	,	PUNCT
ajoaa-1757	6	11	interest	interest	NOUN
ajoaa-1757	6	12	rate	rate	NOUN
ajoaa-1757	6	13	,	,	PUNCT
ajoaa-1757	6	14	and	and	CCONJ
ajoaa-1757	6	15	duration	duration	NOUN
ajoaa-1757	6	16	of	of	ADP
ajoaa-1757	6	17	loan	loan	NOUN
ajoaa-1757	6	18	repayment	repayment	NOUN
ajoaa-1757	6	19	negatively	negatively	ADV
ajoaa-1757	6	20	influences	influence	VERB
ajoaa-1757	6	21	loan	loan	NOUN
ajoaa-1757	6	22	repayment	repayment	NOUN
ajoaa-1757	6	23	.	.	PUNCT
ajoaa-1757	7	1	the	the	DET
ajoaa-1757	7	2	study	study	NOUN
ajoaa-1757	7	3	also	also	ADV
ajoaa-1757	7	4	found	find	VERB
ajoaa-1757	7	5	delays	delay	NOUN
ajoaa-1757	7	6	in	in	ADP
ajoaa-1757	7	7	loan	loan	NOUN
ajoaa-1757	7	8	disbursement	disbursement	NOUN
ajoaa-1757	7	9	resulted	result	VERB
ajoaa-1757	7	10	in	in	ADP
ajoaa-1757	7	11	loan	loan	NOUN
ajoaa-1757	7	12	use	use	NOUN
ajoaa-1757	7	13	for	for	ADP
ajoaa-1757	7	14	unproductive	unproductive	ADJ
ajoaa-1757	7	15	ventures	venture	NOUN
ajoaa-1757	7	16	and	and	CCONJ
ajoaa-1757	7	17	repayment	repayment	NOUN
ajoaa-1757	7	18	challenges	challenge	NOUN
ajoaa-1757	7	19	.	.	PUNCT
ajoaa-1757	8	1	in	in	ADP
ajoaa-1757	8	2	addition	addition	NOUN
ajoaa-1757	8	3	,	,	PUNCT
ajoaa-1757	8	4	lack	lack	NOUN
ajoaa-1757	8	5	of	of	ADP
ajoaa-1757	8	6	training	training	NOUN
ajoaa-1757	8	7	for	for	ADP
ajoaa-1757	8	8	borrowers	borrower	NOUN
ajoaa-1757	8	9	on	on	ADP
ajoaa-1757	8	10	credit	credit	NOUN
ajoaa-1757	8	11	management	management	NOUN
ajoaa-1757	8	12	,	,	PUNCT
ajoaa-1757	8	13	and	and	CCONJ
ajoaa-1757	8	14	investment	investment	NOUN
ajoaa-1757	8	15	procedures	procedure	NOUN
ajoaa-1757	8	16	adversely	adversely	ADV
ajoaa-1757	8	17	impacted	impact	VERB
ajoaa-1757	8	18	on	on	ADP
ajoaa-1757	8	19	loan	loan	NOUN
ajoaa-1757	8	20	repayment	repayment	NOUN
ajoaa-1757	8	21	.	.	PUNCT
ajoaa-1757	9	1	the	the	DET
ajoaa-1757	9	2	paper	paper	NOUN
ajoaa-1757	9	3	recommends	recommend	VERB
ajoaa-1757	9	4	that	that	PRON
ajoaa-1757	9	5	mfis	mfi	VERB
ajoaa-1757	9	6	should	should	AUX
ajoaa-1757	9	7	institute	institute	VERB
ajoaa-1757	9	8	measures	measure	NOUN
ajoaa-1757	9	9	to	to	PART
ajoaa-1757	9	10	train	train	VERB
ajoaa-1757	9	11	borrowers	borrower	NOUN
ajoaa-1757	9	12	on	on	ADP
ajoaa-1757	9	13	loan	loan	NOUN
ajoaa-1757	9	14	utilization	utilization	NOUN
ajoaa-1757	9	15	,	,	PUNCT
ajoaa-1757	9	16	focus	focus	VERB
ajoaa-1757	9	17	on	on	ADP
ajoaa-1757	9	18	women	woman	NOUN
ajoaa-1757	9	19	clients	client	NOUN
ajoaa-1757	9	20	,	,	PUNCT
ajoaa-1757	9	21	since	since	SCONJ
ajoaa-1757	9	22	they	they	PRON
ajoaa-1757	9	23	have	have	VERB
ajoaa-1757	9	24	higher	high	ADJ
ajoaa-1757	9	25	probability	probability	NOUN
ajoaa-1757	9	26	of	of	ADP
ajoaa-1757	9	27	repayment	repayment	NOUN
ajoaa-1757	9	28	,	,	PUNCT
ajoaa-1757	9	29	reduce	reduce	VERB
ajoaa-1757	9	30	interest	interest	NOUN
ajoaa-1757	9	31	rate	rate	NOUN
ajoaa-1757	9	32	as	as	ADV
ajoaa-1757	9	33	well	well	ADV
ajoaa-1757	9	34	as	as	ADP
ajoaa-1757	9	35	putting	put	VERB
ajoaa-1757	9	36	in	in	ADP
ajoaa-1757	9	37	place	place	NOUN
ajoaa-1757	9	38	mechanisms	mechanism	NOUN
ajoaa-1757	9	39	to	to	PART
ajoaa-1757	9	40	reduce	reduce	VERB
ajoaa-1757	9	41	cost	cost	NOUN
ajoaa-1757	9	42	of	of	ADP
ajoaa-1757	9	43	operations	operation	NOUN
ajoaa-1757	9	44	.	.	PUNCT
ajoaa-1757	10	1	contribution/	contribution/	NUM
ajoaa-1757	10	2	originality	originality	NOUN
ajoaa-1757	10	3	in	in	ADP
ajoaa-1757	10	4	developing	develop	VERB
ajoaa-1757	10	5	economies	economy	NOUN
ajoaa-1757	10	6	like	like	ADP
ajoaa-1757	10	7	ghana	ghana	PROPN
ajoaa-1757	10	8	’s	’s	PART
ajoaa-1757	10	9	microfinance	microfinance	NOUN
ajoaa-1757	10	10	institutions	institution	NOUN
ajoaa-1757	10	11	(	(	PUNCT
ajoaa-1757	10	12	mfis	mfis	PROPN
ajoaa-1757	10	13	)	)	PUNCT
ajoaa-1757	10	14	rely	rely	VERB
ajoaa-1757	10	15	on	on	ADP
ajoaa-1757	10	16	speculative	speculative	ADJ
ajoaa-1757	10	17	means	mean	NOUN
ajoaa-1757	10	18	to	to	PART
ajoaa-1757	10	19	advance	advance	VERB
ajoaa-1757	10	20	credit	credit	NOUN
ajoaa-1757	10	21	to	to	ADP
ajoaa-1757	10	22	borrowers	borrower	NOUN
ajoaa-1757	10	23	.	.	PUNCT
ajoaa-1757	11	1	this	this	PRON
ajoaa-1757	11	2	has	have	AUX
ajoaa-1757	11	3	produced	produce	VERB
ajoaa-1757	11	4	adverse	adverse	ADJ
ajoaa-1757	11	5	negative	negative	ADJ
ajoaa-1757	11	6	effect	effect	NOUN
ajoaa-1757	11	7	on	on	ADP
ajoaa-1757	11	8	loan	loan	NOUN
ajoaa-1757	11	9	repayment	repayment	NOUN
ajoaa-1757	11	10	and	and	CCONJ
ajoaa-1757	11	11	the	the	DET
ajoaa-1757	11	12	sustainability	sustainability	NOUN
ajoaa-1757	11	13	of	of	ADP
ajoaa-1757	11	14	microcredit	microcredit	NOUN
ajoaa-1757	11	15	schemes	scheme	NOUN
ajoaa-1757	11	16	.	.	PUNCT
ajoaa-1757	12	1	using	use	VERB
ajoaa-1757	12	2	speculative	speculative	ADJ
ajoaa-1757	12	3	means	mean	NOUN
ajoaa-1757	12	4	such	such	ADJ
ajoaa-1757	12	5	as	as	ADP
ajoaa-1757	12	6	collateral	collateral	NOUN
ajoaa-1757	12	7	and	and	CCONJ
ajoaa-1757	12	8	credit	credit	NOUN
ajoaa-1757	12	9	history	history	NOUN
ajoaa-1757	12	10	of	of	ADP
ajoaa-1757	12	11	potential	potential	ADJ
ajoaa-1757	12	12	borrowers	borrower	NOUN
ajoaa-1757	12	13	has	have	AUX
ajoaa-1757	12	14	resulted	result	VERB
ajoaa-1757	12	15	in	in	ADP
ajoaa-1757	12	16	high	high	ADJ
ajoaa-1757	12	17	rate	rate	NOUN
ajoaa-1757	12	18	of	of	ADP
ajoaa-1757	12	19	default	default	NOUN
ajoaa-1757	12	20	among	among	ADP
ajoaa-1757	12	21	borrowers	borrower	NOUN
ajoaa-1757	12	22	.	.	PUNCT
ajoaa-1757	13	1	the	the	DET
ajoaa-1757	13	2	consequences	consequence	NOUN
ajoaa-1757	13	3	were	be	AUX
ajoaa-1757	13	4	collapse	collapse	NOUN
ajoaa-1757	13	5	of	of	ADP
ajoaa-1757	13	6	some	some	DET
ajoaa-1757	13	7	microcredit	microcredit	NOUN
ajoaa-1757	13	8	institutions	institution	NOUN
ajoaa-1757	13	9	whiles	while	VERB
ajoaa-1757	13	10	others	other	NOUN
ajoaa-1757	13	11	are	be	AUX
ajoaa-1757	13	12	in	in	ADP
ajoaa-1757	13	13	distress	distress	NOUN
ajoaa-1757	13	14	.	.	PUNCT
ajoaa-1757	14	1	this	this	DET
ajoaa-1757	14	2	paper	paper	NOUN
ajoaa-1757	14	3	provides	provide	VERB
ajoaa-1757	14	4	the	the	DET
ajoaa-1757	14	5	empirical	empirical	ADJ
ajoaa-1757	14	6	evidence	evidence	NOUN
ajoaa-1757	14	7	that	that	SCONJ
ajoaa-1757	14	8	farmer	farmer	NOUN
ajoaa-1757	14	9	and	and	CCONJ
ajoaa-1757	14	10	credit	credit	NOUN
ajoaa-1757	14	11	specific	specific	ADJ
ajoaa-1757	14	12	characteristics	characteristic	NOUN
ajoaa-1757	14	13	are	be	AUX
ajoaa-1757	14	14	critical	critical	ADJ
ajoaa-1757	14	15	for	for	ADP
ajoaa-1757	14	16	ensuring	ensure	VERB
ajoaa-1757	14	17	microcredit	microcredit	NOUN
ajoaa-1757	14	18	repayment	repayment	NOUN
ajoaa-1757	14	19	and	and	CCONJ
ajoaa-1757	14	20	the	the	DET
ajoaa-1757	14	21	sustenance	sustenance	NOUN
ajoaa-1757	14	22	of	of	ADP
ajoaa-1757	14	23	microfinance	microfinance	NOUN
ajoaa-1757	14	24	institutions	institution	NOUN
ajoaa-1757	14	25	(	(	PUNCT
ajoaa-1757	14	26	mfis	mfis	PROPN
ajoaa-1757	14	27	)	)	PUNCT
ajoaa-1757	14	28	.	.	PUNCT
ajoaa-1757	15	1	doi	doi	NOUN
ajoaa-1757	15	2	:	:	PUNCT
ajoaa-1757	15	3	10.18488	10.18488	NUM
ajoaa-1757	15	4	/	/	SYM
ajoaa-1757	15	5	journal.1005/2018.8.2/1005.2.74.91	journal.1005/2018.8.2/1005.2.74.91	PROPN
ajoaa-1757	15	6	issn	issn	PROPN
ajoaa-1757	15	7	(	(	PUNCT
ajoaa-1757	15	8	p	p	X
ajoaa-1757	15	9	):	):	PUNCT
ajoaa-1757	15	10	2304	2304	NUM
ajoaa-1757	15	11	-	-	SYM
ajoaa-1757	15	12	1455	1455	NUM
ajoaa-1757	15	13	/	/	SYM
ajoaa-1757	15	14	issn	issn	PROPN
ajoaa-1757	15	15	(	(	PUNCT
ajoaa-1757	15	16	e):2224	e):2224	PROPN
ajoaa-1757	15	17	-	-	PUNCT
ajoaa-1757	15	18	4433	4433	NUM
ajoaa-1757	15	19	how	how	SCONJ
ajoaa-1757	15	20	to	to	PART
ajoaa-1757	15	21	cite	cite	VERB
ajoaa-1757	15	22	:	:	PUNCT
ajoaa-1757	15	23	emmanuel	emmanuel	PROPN
ajoaa-1757	15	24	tetteh	tetteh	PROPN
ajoaa-1757	15	25	jumpah	jumpah	PROPN
ajoaa-1757	15	26	,	,	PUNCT
ajoaa-1757	15	27	emmanuel	emmanuel	PROPN
ajoaa-1757	15	28	kojo	kojo	PROPN
ajoaa-1757	15	29	tetteh	tetteh	PROPN
ajoaa-1757	15	30	and	and	CCONJ
ajoaa-1757	15	31	abdulai	abdulai	PROPN
ajoaa-1757	15	32	adams	adam	NOUN
ajoaa-1757	15	33	(	(	PUNCT
ajoaa-1757	15	34	2018	2018	NUM
ajoaa-1757	15	35	)	)	PUNCT
ajoaa-1757	15	36	.	.	PUNCT
ajoaa-1757	16	1	microcredit	microcredit	NOUN
ajoaa-1757	16	2	repayment	repayment	NOUN
ajoaa-1757	16	3	among	among	ADP
ajoaa-1757	16	4	smallholder	smallholder	NOUN
ajoaa-1757	16	5	farmers	farmer	NOUN
ajoaa-1757	16	6	:	:	PUNCT
ajoaa-1757	16	7	what	what	PRON
ajoaa-1757	16	8	microfinance	microfinance	NOUN
ajoaa-1757	16	9	institutions	institution	NOUN
ajoaa-1757	16	10	need	need	VERB
ajoaa-1757	16	11	to	to	PART
ajoaa-1757	16	12	know	know	VERB
ajoaa-1757	16	13	.	.	PUNCT
ajoaa-1757	17	1	asian	asian	ADJ
ajoaa-1757	17	2	journal	journal	PROPN
ajoaa-1757	17	3	of	of	ADP
ajoaa-1757	17	4	agriculture	agriculture	NOUN
ajoaa-1757	17	5	and	and	CCONJ
ajoaa-1757	17	6	rural	rural	ADJ
ajoaa-1757	17	7	development	development	NOUN
ajoaa-1757	17	8	,	,	PUNCT
ajoaa-1757	17	9	8(2	8(2	NUM
ajoaa-1757	17	10	)	)	PUNCT
ajoaa-1757	17	11	,	,	PUNCT
ajoaa-1757	17	12	74	74	NUM
ajoaa-1757	17	13	-	-	SYM
ajoaa-1757	17	14	91	91	NUM
ajoaa-1757	17	15	.	.	PUNCT
ajoaa-1757	18	1	©	©	PROPN
ajoaa-1757	18	2	2018	2018	NUM
ajoaa-1757	18	3	asian	asian	ADJ
ajoaa-1757	18	4	economic	economic	ADJ
ajoaa-1757	18	5	and	and	CCONJ
ajoaa-1757	18	6	social	social	ADJ
ajoaa-1757	18	7	society	society	NOUN
ajoaa-1757	18	8	.	.	PUNCT
ajoaa-1757	19	1	all	all	DET
ajoaa-1757	19	2	rights	right	NOUN
ajoaa-1757	19	3	reserved	reserve	VERB
ajoaa-1757	19	4	.	.	PUNCT
ajoaa-1757	20	1	asian	asian	ADJ
ajoaa-1757	20	2	journal	journal	PROPN
ajoaa-1757	20	3	of	of	ADP
ajoaa-1757	20	4	agriculture	agriculture	NOUN
ajoaa-1757	20	5	and	and	CCONJ
ajoaa-1757	20	6	rural	rural	ADJ
ajoaa-1757	20	7	development	development	NOUN
ajoaa-1757	20	8	volume	volume	NOUN
ajoaa-1757	20	9	8	8	NUM
ajoaa-1757	20	10	,	,	PUNCT
ajoaa-1757	20	11	issue	issue	NOUN
ajoaa-1757	20	12	2	2	NUM
ajoaa-1757	20	13	(	(	PUNCT
ajoaa-1757	20	14	2018	2018	NUM
ajoaa-1757	20	15	):	):	PUNCT
ajoaa-1757	20	16	74	74	NUM
ajoaa-1757	20	17	-	-	SYM
ajoaa-1757	20	18	91	91	NUM
ajoaa-1757	20	19	http://www.aessweb.com/journals/5005	http://www.aessweb.com/journals/5005	ADJ
ajoaa-1757	20	20	mailto:emmanuel.jumpah@gmail.com	mailto:emmanuel.jumpah@gmail.com	NOUN
ajoaa-1757	20	21	http://www.aessweb.com/journals/5005	http://www.aessweb.com/journals/5005	VERB
ajoaa-1757	20	22	http://crossmark.crossref.org/dialog/?doi=10.18488/journal.1005/2018.8.2/1005.2.74.91	http://crossmark.crossref.org/dialog/?doi=10.18488/journal.1005/2018.8.2/1005.2.74.91	PROPN
ajoaa-1757	21	1	https://orcid.org/000-0003-3828-972x	https://orcid.org/000-0003-3828-972x	PROPN
ajoaa-1757	21	2	https://orcid.org/0000-0002-4348-0862	https://orcid.org/0000-0002-4348-0862	NOUN
ajoaa-1757	21	3	https://orcid.org/0000-0002-8820-0925	https://orcid.org/0000-0002-8820-0925	PROPN
ajoaa-1757	21	4	asian	asian	PROPN
ajoaa-1757	21	5	journal	journal	PROPN
ajoaa-1757	21	6	of	of	ADP
ajoaa-1757	21	7	agriculture	agriculture	NOUN
ajoaa-1757	21	8	and	and	CCONJ
ajoaa-1757	21	9	rural	rural	ADJ
ajoaa-1757	21	10	development	development	NOUN
ajoaa-1757	21	11	,	,	PUNCT
ajoaa-1757	21	12	8(2)2018	8(2)2018	NUM
ajoaa-1757	21	13	:	:	PUNCT
ajoaa-1757	21	14	74	74	NUM
ajoaa-1757	21	15	-	-	SYM
ajoaa-1757	21	16	91	91	NUM
ajoaa-1757	21	17	75	75	NUM
ajoaa-1757	21	18	1	1	NUM
ajoaa-1757	21	19	.	.	PUNCT
ajoaa-1757	22	1	introduction	introduction	NOUN
ajoaa-1757	22	2	microcredit	microcredit	NOUN
ajoaa-1757	22	3	(	(	PUNCT
ajoaa-1757	22	4	small	small	ADJ
ajoaa-1757	22	5	loans	loan	NOUN
ajoaa-1757	22	6	)	)	PUNCT
ajoaa-1757	22	7	over	over	ADP
ajoaa-1757	22	8	the	the	DET
ajoaa-1757	22	9	years	year	NOUN
ajoaa-1757	22	10	has	have	AUX
ajoaa-1757	22	11	been	be	AUX
ajoaa-1757	22	12	used	use	VERB
ajoaa-1757	22	13	as	as	ADP
ajoaa-1757	22	14	a	a	DET
ajoaa-1757	22	15	developmental	developmental	ADJ
ajoaa-1757	22	16	tool	tool	NOUN
ajoaa-1757	22	17	and	and	CCONJ
ajoaa-1757	22	18	is	be	AUX
ajoaa-1757	22	19	regarded	regard	VERB
ajoaa-1757	22	20	as	as	ADP
ajoaa-1757	22	21	a	a	DET
ajoaa-1757	22	22	means	means	NOUN
ajoaa-1757	22	23	of	of	ADP
ajoaa-1757	22	24	providing	provide	VERB
ajoaa-1757	22	25	financial	financial	ADJ
ajoaa-1757	22	26	capital	capital	NOUN
ajoaa-1757	22	27	to	to	ADP
ajoaa-1757	22	28	smallholder	smallholder	NOUN
ajoaa-1757	22	29	businesses	business	NOUN
ajoaa-1757	22	30	and	and	CCONJ
ajoaa-1757	22	31	vulnerable	vulnerable	ADJ
ajoaa-1757	22	32	households	household	NOUN
ajoaa-1757	22	33	,	,	PUNCT
ajoaa-1757	22	34	who	who	PRON
ajoaa-1757	22	35	otherwise	otherwise	ADV
ajoaa-1757	22	36	would	would	AUX
ajoaa-1757	22	37	have	have	VERB
ajoaa-1757	22	38	no	no	DET
ajoaa-1757	22	39	access	access	NOUN
ajoaa-1757	22	40	to	to	ADP
ajoaa-1757	22	41	financial	financial	ADJ
ajoaa-1757	22	42	capital	capital	NOUN
ajoaa-1757	22	43	from	from	ADP
ajoaa-1757	22	44	the	the	DET
ajoaa-1757	22	45	orthodox	orthodox	ADJ
ajoaa-1757	22	46	financial	financial	ADJ
ajoaa-1757	22	47	system	system	NOUN
ajoaa-1757	22	48	for	for	ADP
ajoaa-1757	22	49	entrepreneurial	entrepreneurial	ADJ
ajoaa-1757	22	50	activities	activity	NOUN
ajoaa-1757	22	51	(	(	PUNCT
ajoaa-1757	22	52	kumar	kumar	PROPN
ajoaa-1757	22	53	et	et	PROPN
ajoaa-1757	22	54	al	al	PROPN
ajoaa-1757	22	55	.	.	PROPN
ajoaa-1757	22	56	,	,	PUNCT
ajoaa-1757	22	57	2013	2013	NUM
ajoaa-1757	22	58	;	;	PUNCT
ajoaa-1757	22	59	bourlès	bourlès	VERB
ajoaa-1757	22	60	et	et	PROPN
ajoaa-1757	22	61	al	al	PROPN
ajoaa-1757	22	62	.	.	PROPN
ajoaa-1757	22	63	,	,	PUNCT
ajoaa-1757	22	64	2018	2018	NUM
ajoaa-1757	22	65	)	)	PUNCT
ajoaa-1757	22	66	.	.	PUNCT
ajoaa-1757	23	1	in	in	ADP
ajoaa-1757	23	2	many	many	ADJ
ajoaa-1757	23	3	communities	community	NOUN
ajoaa-1757	23	4	in	in	ADP
ajoaa-1757	23	5	the	the	DET
ajoaa-1757	23	6	developing	develop	VERB
ajoaa-1757	23	7	world	world	NOUN
ajoaa-1757	23	8	,	,	PUNCT
ajoaa-1757	23	9	microcredit	microcredit	PROPN
ajoaa-1757	23	10	can	can	AUX
ajoaa-1757	23	11	be	be	AUX
ajoaa-1757	23	12	obtained	obtain	VERB
ajoaa-1757	23	13	from	from	ADP
ajoaa-1757	23	14	microfinance	microfinance	NOUN
ajoaa-1757	23	15	institutions	institution	NOUN
ajoaa-1757	23	16	(	(	PUNCT
ajoaa-1757	23	17	mfis	mfis	PROPN
ajoaa-1757	23	18	)	)	PUNCT
ajoaa-1757	23	19	after	after	SCONJ
ajoaa-1757	23	20	certain	certain	ADJ
ajoaa-1757	23	21	basic	basic	ADJ
ajoaa-1757	23	22	criteria	criterion	NOUN
ajoaa-1757	23	23	to	to	PART
ajoaa-1757	23	24	access	access	VERB
ajoaa-1757	23	25	them	they	PRON
ajoaa-1757	23	26	are	be	AUX
ajoaa-1757	23	27	met	meet	VERB
ajoaa-1757	23	28	.	.	PUNCT
ajoaa-1757	24	1	the	the	DET
ajoaa-1757	24	2	ultimate	ultimate	ADJ
ajoaa-1757	24	3	goal	goal	NOUN
ajoaa-1757	24	4	of	of	ADP
ajoaa-1757	24	5	the	the	DET
ajoaa-1757	24	6	microcredit	microcredit	NOUN
ajoaa-1757	24	7	programmmes	programmme	NOUN
ajoaa-1757	24	8	or	or	CCONJ
ajoaa-1757	24	9	schemes	scheme	NOUN
ajoaa-1757	24	10	is	be	AUX
ajoaa-1757	24	11	to	to	PART
ajoaa-1757	24	12	reduce	reduce	VERB
ajoaa-1757	24	13	poverty	poverty	NOUN
ajoaa-1757	24	14	among	among	ADP
ajoaa-1757	24	15	poor	poor	ADJ
ajoaa-1757	24	16	people	people	NOUN
ajoaa-1757	24	17	by	by	ADP
ajoaa-1757	24	18	increasing	increase	VERB
ajoaa-1757	24	19	their	their	PRON
ajoaa-1757	24	20	access	access	NOUN
ajoaa-1757	24	21	to	to	ADP
ajoaa-1757	24	22	financial	financial	ADJ
ajoaa-1757	24	23	capital	capital	NOUN
ajoaa-1757	24	24	in	in	ADP
ajoaa-1757	24	25	order	order	NOUN
ajoaa-1757	24	26	to	to	PART
ajoaa-1757	24	27	invest	invest	VERB
ajoaa-1757	24	28	in	in	ADP
ajoaa-1757	24	29	income	income	NOUN
ajoaa-1757	24	30	generating	generating	NOUN
ajoaa-1757	24	31	activities	activity	NOUN
ajoaa-1757	24	32	.	.	PUNCT
ajoaa-1757	25	1	access	access	NOUN
ajoaa-1757	25	2	to	to	ADP
ajoaa-1757	25	3	financial	financial	ADJ
ajoaa-1757	25	4	capital	capital	NOUN
ajoaa-1757	25	5	for	for	ADP
ajoaa-1757	25	6	the	the	DET
ajoaa-1757	25	7	entrepreneurial	entrepreneurial	ADJ
ajoaa-1757	25	8	poor	poor	ADJ
ajoaa-1757	25	9	,	,	PUNCT
ajoaa-1757	25	10	especially	especially	ADV
ajoaa-1757	25	11	women	woman	NOUN
ajoaa-1757	25	12	,	,	PUNCT
ajoaa-1757	25	13	will	will	AUX
ajoaa-1757	25	14	boost	boost	VERB
ajoaa-1757	25	15	living	living	NOUN
ajoaa-1757	25	16	standards	standard	NOUN
ajoaa-1757	25	17	and	and	CCONJ
ajoaa-1757	25	18	reduce	reduce	VERB
ajoaa-1757	25	19	poverty	poverty	NOUN
ajoaa-1757	25	20	in	in	ADP
ajoaa-1757	25	21	developing	develop	VERB
ajoaa-1757	25	22	countries	country	NOUN
ajoaa-1757	25	23	(	(	PUNCT
ajoaa-1757	25	24	yunus	yunus	PROPN
ajoaa-1757	25	25	and	and	CCONJ
ajoaa-1757	25	26	weber	weber	PROPN
ajoaa-1757	25	27	,	,	PUNCT
ajoaa-1757	25	28	2007	2007	NUM
ajoaa-1757	25	29	)	)	PUNCT
ajoaa-1757	25	30	.	.	PUNCT
ajoaa-1757	26	1	as	as	SCONJ
ajoaa-1757	26	2	milton	milton	PROPN
ajoaa-1757	26	3	freidman	freidman	PROPN
ajoaa-1757	26	4	observed	observe	VERB
ajoaa-1757	26	5	that	that	SCONJ
ajoaa-1757	26	6	the	the	DET
ajoaa-1757	26	7	poor	poor	ADJ
ajoaa-1757	26	8	remains	remain	VERB
ajoaa-1757	26	9	poor	poor	ADJ
ajoaa-1757	26	10	not	not	PART
ajoaa-1757	26	11	because	because	SCONJ
ajoaa-1757	26	12	they	they	PRON
ajoaa-1757	26	13	are	be	AUX
ajoaa-1757	26	14	not	not	PART
ajoaa-1757	26	15	entrepreneurial	entrepreneurial	ADJ
ajoaa-1757	26	16	but	but	CCONJ
ajoaa-1757	26	17	because	because	SCONJ
ajoaa-1757	26	18	they	they	PRON
ajoaa-1757	26	19	lack	lack	VERB
ajoaa-1757	26	20	financial	financial	ADJ
ajoaa-1757	26	21	capital	capital	NOUN
ajoaa-1757	26	22	to	to	PART
ajoaa-1757	26	23	invest	invest	VERB
ajoaa-1757	26	24	in	in	ADP
ajoaa-1757	26	25	income	income	NOUN
ajoaa-1757	26	26	generating	generating	NOUN
ajoaa-1757	26	27	activities	activity	NOUN
ajoaa-1757	26	28	(	(	PUNCT
ajoaa-1757	26	29	bell	bell	NOUN
ajoaa-1757	26	30	,	,	PUNCT
ajoaa-1757	26	31	2014	2014	NUM
ajoaa-1757	26	32	)	)	PUNCT
ajoaa-1757	26	33	.	.	PUNCT
ajoaa-1757	27	1	the	the	DET
ajoaa-1757	27	2	availability	availability	NOUN
ajoaa-1757	27	3	of	of	ADP
ajoaa-1757	27	4	financial	financial	ADJ
ajoaa-1757	27	5	capital	capital	NOUN
ajoaa-1757	27	6	to	to	ADP
ajoaa-1757	27	7	the	the	DET
ajoaa-1757	27	8	poor	poor	ADJ
ajoaa-1757	27	9	can	can	AUX
ajoaa-1757	27	10	lift	lift	VERB
ajoaa-1757	27	11	millions	million	NOUN
ajoaa-1757	27	12	out	out	ADP
ajoaa-1757	27	13	of	of	ADP
ajoaa-1757	27	14	poverty	poverty	NOUN
ajoaa-1757	27	15	.	.	PUNCT
ajoaa-1757	28	1	microcredit	microcredit	NOUN
ajoaa-1757	28	2	has	have	AUX
ajoaa-1757	28	3	existed	exist	VERB
ajoaa-1757	28	4	for	for	ADP
ajoaa-1757	28	5	ages	age	NOUN
ajoaa-1757	28	6	as	as	SCONJ
ajoaa-1757	28	7	people	people	NOUN
ajoaa-1757	28	8	lend	lend	VERB
ajoaa-1757	28	9	small	small	ADJ
ajoaa-1757	28	10	loans	loan	NOUN
ajoaa-1757	28	11	among	among	ADP
ajoaa-1757	28	12	each	each	DET
ajoaa-1757	28	13	other	other	ADJ
ajoaa-1757	28	14	within	within	ADP
ajoaa-1757	28	15	communities	community	NOUN
ajoaa-1757	28	16	.	.	PUNCT
ajoaa-1757	29	1	however	however	ADV
ajoaa-1757	29	2	,	,	PUNCT
ajoaa-1757	29	3	institutionalized	institutionalize	VERB
ajoaa-1757	29	4	microcredit	microcredit	NOUN
ajoaa-1757	29	5	in	in	ADP
ajoaa-1757	29	6	its	its	PRON
ajoaa-1757	29	7	’	'	PUNCT
ajoaa-1757	29	8	current	current	ADJ
ajoaa-1757	29	9	form	form	NOUN
ajoaa-1757	29	10	,	,	PUNCT
ajoaa-1757	29	11	structure	structure	NOUN
ajoaa-1757	29	12	,	,	PUNCT
ajoaa-1757	29	13	and	and	CCONJ
ajoaa-1757	29	14	mode	mode	NOUN
ajoaa-1757	29	15	of	of	ADP
ajoaa-1757	29	16	operation	operation	NOUN
ajoaa-1757	29	17	can	can	AUX
ajoaa-1757	29	18	be	be	AUX
ajoaa-1757	29	19	traced	trace	VERB
ajoaa-1757	29	20	to	to	ADP
ajoaa-1757	29	21	the	the	DET
ajoaa-1757	29	22	1970s	1970	NOUN
ajoaa-1757	29	23	with	with	ADP
ajoaa-1757	29	24	the	the	DET
ajoaa-1757	29	25	establishment	establishment	NOUN
ajoaa-1757	29	26	of	of	ADP
ajoaa-1757	29	27	the	the	DET
ajoaa-1757	29	28	grameen	grameen	PROPN
ajoaa-1757	29	29	initiative	initiative	NOUN
ajoaa-1757	29	30	by	by	ADP
ajoaa-1757	29	31	mohammed	mohammed	PROPN
ajoaa-1757	29	32	yunus	yunus	PROPN
ajoaa-1757	29	33	,	,	PUNCT
ajoaa-1757	29	34	the	the	DET
ajoaa-1757	29	35	co	co	NOUN
ajoaa-1757	29	36	-	-	NOUN
ajoaa-1757	29	37	winner	winner	NOUN
ajoaa-1757	29	38	of	of	ADP
ajoaa-1757	29	39	the	the	DET
ajoaa-1757	29	40	2006	2006	NUM
ajoaa-1757	29	41	nobel	nobel	PROPN
ajoaa-1757	29	42	peace	peace	NOUN
ajoaa-1757	29	43	prize	prize	PROPN
ajoaa-1757	29	44	.	.	PUNCT
ajoaa-1757	30	1	the	the	DET
ajoaa-1757	30	2	benefits	benefit	NOUN
ajoaa-1757	30	3	of	of	ADP
ajoaa-1757	30	4	microcredit	microcredit	NOUN
ajoaa-1757	30	5	to	to	ADP
ajoaa-1757	30	6	small	small	ADJ
ajoaa-1757	30	7	business	business	NOUN
ajoaa-1757	30	8	entrepreneurs	entrepreneur	NOUN
ajoaa-1757	30	9	have	have	AUX
ajoaa-1757	30	10	been	be	AUX
ajoaa-1757	30	11	documented	document	VERB
ajoaa-1757	30	12	in	in	ADP
ajoaa-1757	30	13	several	several	ADJ
ajoaa-1757	30	14	studies	study	NOUN
ajoaa-1757	30	15	including	include	VERB
ajoaa-1757	30	16	adjei	adjei	PROPN
ajoaa-1757	30	17	et	et	PROPN
ajoaa-1757	30	18	al	al	PROPN
ajoaa-1757	30	19	.	.	PROPN
ajoaa-1757	31	1	(	(	PUNCT
ajoaa-1757	31	2	2009	2009	NUM
ajoaa-1757	31	3	)	)	PUNCT
ajoaa-1757	31	4	,	,	PUNCT
ajoaa-1757	31	5	chen	chen	PROPN
ajoaa-1757	31	6	and	and	CCONJ
ajoaa-1757	31	7	ravallion	ravallion	NOUN
ajoaa-1757	31	8	(	(	PUNCT
ajoaa-1757	31	9	2010	2010	NUM
ajoaa-1757	31	10	)	)	PUNCT
ajoaa-1757	31	11	,	,	PUNCT
ajoaa-1757	31	12	fraser	fraser	PROPN
ajoaa-1757	31	13	et	et	PROPN
ajoaa-1757	31	14	al	al	PROPN
ajoaa-1757	31	15	.	.	PROPN
ajoaa-1757	32	1	(	(	PUNCT
ajoaa-1757	32	2	2013	2013	NUM
ajoaa-1757	32	3	)	)	PUNCT
ajoaa-1757	32	4	,	,	PUNCT
ajoaa-1757	32	5	kaboski	kaboski	PROPN
ajoaa-1757	32	6	and	and	CCONJ
ajoaa-1757	32	7	townsend	townsend	PROPN
ajoaa-1757	32	8	(	(	PUNCT
ajoaa-1757	32	9	2013	2013	NUM
ajoaa-1757	32	10	)	)	PUNCT
ajoaa-1757	32	11	and	and	CCONJ
ajoaa-1757	32	12	klapper	klapper	NOUN
ajoaa-1757	32	13	and	and	CCONJ
ajoaa-1757	32	14	dutt	dutt	PROPN
ajoaa-1757	32	15	(	(	PUNCT
ajoaa-1757	32	16	2015	2015	NUM
ajoaa-1757	32	17	)	)	PUNCT
ajoaa-1757	32	18	.	.	PUNCT
ajoaa-1757	33	1	these	these	DET
ajoaa-1757	33	2	studies	study	NOUN
ajoaa-1757	33	3	argue	argue	VERB
ajoaa-1757	33	4	that	that	SCONJ
ajoaa-1757	33	5	microcredit	microcredit	NOUN
ajoaa-1757	33	6	provides	provide	VERB
ajoaa-1757	33	7	supports	support	NOUN
ajoaa-1757	33	8	to	to	ADP
ajoaa-1757	33	9	the	the	DET
ajoaa-1757	33	10	poor	poor	ADJ
ajoaa-1757	33	11	to	to	PART
ajoaa-1757	33	12	meet	meet	VERB
ajoaa-1757	33	13	basic	basic	ADJ
ajoaa-1757	33	14	needs	need	NOUN
ajoaa-1757	33	15	and	and	CCONJ
ajoaa-1757	33	16	also	also	ADV
ajoaa-1757	33	17	as	as	ADP
ajoaa-1757	33	18	a	a	DET
ajoaa-1757	33	19	safeguard	safeguard	NOUN
ajoaa-1757	33	20	against	against	ADP
ajoaa-1757	33	21	risks	risk	NOUN
ajoaa-1757	33	22	and	and	CCONJ
ajoaa-1757	33	23	uncertainties	uncertainty	NOUN
ajoaa-1757	33	24	.	.	PUNCT
ajoaa-1757	34	1	microcredit	microcredit	NOUN
ajoaa-1757	34	2	empowers	empower	VERB
ajoaa-1757	34	3	poor	poor	ADJ
ajoaa-1757	34	4	women	woman	NOUN
ajoaa-1757	34	5	entrepreneurs	entrepreneur	NOUN
ajoaa-1757	34	6	,	,	PUNCT
ajoaa-1757	34	7	improves	improve	VERB
ajoaa-1757	34	8	household	household	NOUN
ajoaa-1757	34	9	socioeconomic	socioeconomic	ADJ
ajoaa-1757	34	10	wellbeing	wellbeing	NOUN
ajoaa-1757	34	11	and	and	CCONJ
ajoaa-1757	34	12	income	income	NOUN
ajoaa-1757	34	13	(	(	PUNCT
ajoaa-1757	34	14	fraser	fraser	PROPN
ajoaa-1757	34	15	et	et	PROPN
ajoaa-1757	34	16	al	al	PROPN
ajoaa-1757	34	17	.	.	PROPN
ajoaa-1757	34	18	,	,	PUNCT
ajoaa-1757	34	19	2013	2013	NUM
ajoaa-1757	34	20	;	;	PUNCT
ajoaa-1757	34	21	kaboski	kaboski	PROPN
ajoaa-1757	34	22	and	and	CCONJ
ajoaa-1757	34	23	townsend	townsend	PROPN
ajoaa-1757	34	24	,	,	PUNCT
ajoaa-1757	34	25	2013	2013	NUM
ajoaa-1757	34	26	)	)	PUNCT
ajoaa-1757	34	27	.	.	PUNCT
ajoaa-1757	35	1	to	to	ADP
ajoaa-1757	35	2	klapper	klapper	NOUN
ajoaa-1757	35	3	and	and	CCONJ
ajoaa-1757	35	4	dutt	dutt	PROPN
ajoaa-1757	35	5	(	(	PUNCT
ajoaa-1757	35	6	2015	2015	NUM
ajoaa-1757	35	7	)	)	PUNCT
ajoaa-1757	35	8	,	,	PUNCT
ajoaa-1757	35	9	access	access	NOUN
ajoaa-1757	35	10	to	to	ADP
ajoaa-1757	35	11	microcredit	microcredit	NOUN
ajoaa-1757	35	12	leads	lead	VERB
ajoaa-1757	35	13	to	to	ADP
ajoaa-1757	35	14	women	woman	NOUN
ajoaa-1757	35	15	’s	’s	PART
ajoaa-1757	35	16	empowerment	empowerment	NOUN
ajoaa-1757	35	17	and	and	CCONJ
ajoaa-1757	35	18	their	their	PRON
ajoaa-1757	35	19	ability	ability	NOUN
ajoaa-1757	35	20	to	to	PART
ajoaa-1757	35	21	be	be	AUX
ajoaa-1757	35	22	part	part	NOUN
ajoaa-1757	35	23	of	of	ADP
ajoaa-1757	35	24	the	the	DET
ajoaa-1757	35	25	household	household	NOUN
ajoaa-1757	35	26	decision	decision	NOUN
ajoaa-1757	35	27	making	make	VERB
ajoaa-1757	35	28	process	process	NOUN
ajoaa-1757	35	29	.	.	PUNCT
ajoaa-1757	36	1	millions	million	NOUN
ajoaa-1757	36	2	of	of	ADP
ajoaa-1757	36	3	the	the	DET
ajoaa-1757	36	4	world	world	NOUN
ajoaa-1757	36	5	’s	’s	PART
ajoaa-1757	36	6	poor	poor	ADJ
ajoaa-1757	36	7	who	who	PRON
ajoaa-1757	36	8	have	have	VERB
ajoaa-1757	36	9	access	access	NOUN
ajoaa-1757	36	10	to	to	ADP
ajoaa-1757	36	11	microcredit	microcredit	NOUN
ajoaa-1757	36	12	are	be	AUX
ajoaa-1757	36	13	able	able	ADJ
ajoaa-1757	36	14	to	to	PART
ajoaa-1757	36	15	invest	invest	VERB
ajoaa-1757	36	16	in	in	ADP
ajoaa-1757	36	17	small	small	ADJ
ajoaa-1757	36	18	businesses	business	NOUN
ajoaa-1757	36	19	to	to	PART
ajoaa-1757	36	20	increase	increase	VERB
ajoaa-1757	36	21	production	production	NOUN
ajoaa-1757	36	22	and	and	CCONJ
ajoaa-1757	36	23	income	income	NOUN
ajoaa-1757	36	24	,	,	PUNCT
ajoaa-1757	36	25	thereby	thereby	ADV
ajoaa-1757	36	26	reducing	reduce	VERB
ajoaa-1757	36	27	poverty	poverty	NOUN
ajoaa-1757	36	28	among	among	ADP
ajoaa-1757	36	29	many	many	ADJ
ajoaa-1757	36	30	in	in	ADP
ajoaa-1757	36	31	the	the	DET
ajoaa-1757	36	32	process	process	NOUN
ajoaa-1757	36	33	.	.	PUNCT
ajoaa-1757	37	1	according	accord	VERB
ajoaa-1757	37	2	to	to	ADP
ajoaa-1757	37	3	pitt	pitt	PROPN
ajoaa-1757	37	4	et	et	PROPN
ajoaa-1757	37	5	al	al	PROPN
ajoaa-1757	37	6	.	.	PROPN
ajoaa-1757	37	7	,	,	PUNCT
ajoaa-1757	37	8	(	(	PUNCT
ajoaa-1757	37	9	2006	2006	NUM
ajoaa-1757	37	10	)	)	PUNCT
ajoaa-1757	37	11	and	and	CCONJ
ajoaa-1757	37	12	kumar	kumar	PROPN
ajoaa-1757	37	13	et	et	PROPN
ajoaa-1757	37	14	al	al	PROPN
ajoaa-1757	37	15	.	.	PROPN
ajoaa-1757	38	1	(	(	PUNCT
ajoaa-1757	38	2	2013	2013	NUM
ajoaa-1757	38	3	)	)	PUNCT
ajoaa-1757	38	4	,	,	PUNCT
ajoaa-1757	38	5	access	access	NOUN
ajoaa-1757	38	6	to	to	ADP
ajoaa-1757	38	7	microcredit	microcredit	NOUN
ajoaa-1757	38	8	empowers	empower	NOUN
ajoaa-1757	38	9	vulnerable	vulnerable	ADJ
ajoaa-1757	38	10	and	and	CCONJ
ajoaa-1757	38	11	business	business	NOUN
ajoaa-1757	38	12	oriented	orient	VERB
ajoaa-1757	38	13	women	woman	NOUN
ajoaa-1757	38	14	to	to	PART
ajoaa-1757	38	15	actively	actively	ADV
ajoaa-1757	38	16	participate	participate	VERB
ajoaa-1757	38	17	in	in	ADP
ajoaa-1757	38	18	economic	economic	ADJ
ajoaa-1757	38	19	activities	activity	NOUN
ajoaa-1757	38	20	and	and	CCONJ
ajoaa-1757	38	21	by	by	ADP
ajoaa-1757	38	22	so	so	ADV
ajoaa-1757	38	23	doing	do	VERB
ajoaa-1757	38	24	stimulate	stimulate	VERB
ajoaa-1757	38	25	gender	gender	NOUN
ajoaa-1757	38	26	equity	equity	NOUN
ajoaa-1757	38	27	.	.	PUNCT
ajoaa-1757	39	1	there	there	PRON
ajoaa-1757	39	2	are	be	VERB
ajoaa-1757	39	3	also	also	ADV
ajoaa-1757	39	4	studies	study	NOUN
ajoaa-1757	39	5	that	that	PRON
ajoaa-1757	39	6	have	have	AUX
ajoaa-1757	39	7	contested	contest	VERB
ajoaa-1757	39	8	some	some	PRON
ajoaa-1757	39	9	of	of	ADP
ajoaa-1757	39	10	these	these	DET
ajoaa-1757	39	11	findings	finding	NOUN
ajoaa-1757	39	12	and	and	CCONJ
ajoaa-1757	39	13	have	have	AUX
ajoaa-1757	39	14	pointed	point	VERB
ajoaa-1757	39	15	to	to	ADP
ajoaa-1757	39	16	the	the	DET
ajoaa-1757	39	17	contrary	contrary	ADJ
ajoaa-1757	39	18	(	(	PUNCT
ajoaa-1757	39	19	dowla	dowla	NOUN
ajoaa-1757	39	20	and	and	CCONJ
ajoaa-1757	39	21	barua	barua	PROPN
ajoaa-1757	39	22	,	,	PUNCT
ajoaa-1757	39	23	2006	2006	NUM
ajoaa-1757	39	24	;	;	PUNCT
ajoaa-1757	39	25	neff	neff	PROPN
ajoaa-1757	39	26	,	,	PUNCT
ajoaa-1757	39	27	2009	2009	NUM
ajoaa-1757	39	28	;	;	PUNCT
ajoaa-1757	39	29	karlan	karlan	NOUN
ajoaa-1757	39	30	and	and	CCONJ
ajoaa-1757	39	31	zinman	zinman	NOUN
ajoaa-1757	39	32	,	,	PUNCT
ajoaa-1757	39	33	2011	2011	NUM
ajoaa-1757	39	34	;	;	PUNCT
ajoaa-1757	39	35	roodman	roodman	NOUN
ajoaa-1757	39	36	,	,	PUNCT
ajoaa-1757	39	37	2012	2012	NUM
ajoaa-1757	39	38	)	)	PUNCT
ajoaa-1757	39	39	and	and	CCONJ
ajoaa-1757	39	40	concluded	conclude	VERB
ajoaa-1757	39	41	that	that	SCONJ
ajoaa-1757	39	42	microfinance	microfinance	NOUN
ajoaa-1757	39	43	is	be	AUX
ajoaa-1757	39	44	not	not	PART
ajoaa-1757	39	45	a	a	DET
ajoaa-1757	39	46	panacea	panacea	NOUN
ajoaa-1757	39	47	for	for	ADP
ajoaa-1757	39	48	mitigating	mitigate	VERB
ajoaa-1757	39	49	the	the	DET
ajoaa-1757	39	50	problem	problem	NOUN
ajoaa-1757	39	51	of	of	ADP
ajoaa-1757	39	52	the	the	DET
ajoaa-1757	39	53	poor	poor	ADJ
ajoaa-1757	39	54	.	.	PUNCT
ajoaa-1757	40	1	neff	neff	PROPN
ajoaa-1757	40	2	(	(	PUNCT
ajoaa-1757	40	3	2009	2009	NUM
ajoaa-1757	40	4	)	)	PUNCT
ajoaa-1757	40	5	,	,	PUNCT
ajoaa-1757	40	6	for	for	ADP
ajoaa-1757	40	7	example	example	NOUN
ajoaa-1757	40	8	,	,	PUNCT
ajoaa-1757	40	9	found	find	VERB
ajoaa-1757	40	10	that	that	SCONJ
ajoaa-1757	40	11	after	after	ADP
ajoaa-1757	40	12	eight	eight	NUM
ajoaa-1757	40	13	years	year	NOUN
ajoaa-1757	40	14	of	of	ADP
ajoaa-1757	40	15	borrowing	borrowing	NOUN
ajoaa-1757	40	16	,	,	PUNCT
ajoaa-1757	40	17	55	55	NUM
ajoaa-1757	40	18	percent	percent	NOUN
ajoaa-1757	40	19	clients	client	NOUN
ajoaa-1757	40	20	of	of	ADP
ajoaa-1757	40	21	the	the	DET
ajoaa-1757	40	22	grameen	grameen	PROPN
ajoaa-1757	40	23	bank	bank	PROPN
ajoaa-1757	40	24	were	be	AUX
ajoaa-1757	40	25	still	still	ADV
ajoaa-1757	40	26	not	not	PART
ajoaa-1757	40	27	able	able	ADJ
ajoaa-1757	40	28	to	to	PART
ajoaa-1757	40	29	meet	meet	VERB
ajoaa-1757	40	30	their	their	PRON
ajoaa-1757	40	31	basic	basic	ADJ
ajoaa-1757	40	32	household	household	NOUN
ajoaa-1757	40	33	needs	need	NOUN
ajoaa-1757	40	34	.	.	PUNCT
ajoaa-1757	41	1	to	to	PART
ajoaa-1757	41	2	karlan	karlan	PROPN
ajoaa-1757	41	3	and	and	CCONJ
ajoaa-1757	41	4	zinman	zinman	PROPN
ajoaa-1757	41	5	(	(	PUNCT
ajoaa-1757	41	6	2011	2011	NUM
ajoaa-1757	41	7	)	)	PUNCT
ajoaa-1757	41	8	,	,	PUNCT
ajoaa-1757	41	9	microcredit	microcredit	PROPN
ajoaa-1757	41	10	can	can	AUX
ajoaa-1757	41	11	even	even	ADV
ajoaa-1757	41	12	collapse	collapse	VERB
ajoaa-1757	41	13	the	the	DET
ajoaa-1757	41	14	business	business	NOUN
ajoaa-1757	41	15	of	of	ADP
ajoaa-1757	41	16	some	some	DET
ajoaa-1757	41	17	clients	client	NOUN
ajoaa-1757	41	18	.	.	PUNCT
ajoaa-1757	42	1	the	the	DET
ajoaa-1757	42	2	critics	critic	NOUN
ajoaa-1757	42	3	of	of	ADP
ajoaa-1757	42	4	microcredit	microcredit	PROPN
ajoaa-1757	42	5	also	also	ADV
ajoaa-1757	42	6	argue	argue	VERB
ajoaa-1757	42	7	that	that	SCONJ
ajoaa-1757	42	8	,	,	PUNCT
ajoaa-1757	42	9	microfinance	microfinance	NOUN
ajoaa-1757	42	10	has	have	AUX
ajoaa-1757	42	11	failed	fail	VERB
ajoaa-1757	42	12	as	as	ADP
ajoaa-1757	42	13	a	a	DET
ajoaa-1757	42	14	development	development	NOUN
ajoaa-1757	42	15	tool	tool	NOUN
ajoaa-1757	42	16	because	because	SCONJ
ajoaa-1757	42	17	client	client	NOUN
ajoaa-1757	42	18	often	often	ADV
ajoaa-1757	42	19	use	use	VERB
ajoaa-1757	42	20	loans	loan	NOUN
ajoaa-1757	42	21	on	on	ADP
ajoaa-1757	42	22	other	other	ADJ
ajoaa-1757	42	23	activities	activity	NOUN
ajoaa-1757	42	24	such	such	ADJ
ajoaa-1757	42	25	as	as	ADP
ajoaa-1757	42	26	marriage	marriage	NOUN
ajoaa-1757	42	27	,	,	PUNCT
ajoaa-1757	42	28	funeral	funeral	NOUN
ajoaa-1757	42	29	,	,	PUNCT
ajoaa-1757	42	30	and	and	CCONJ
ajoaa-1757	42	31	for	for	ADP
ajoaa-1757	42	32	household	household	NOUN
ajoaa-1757	42	33	consumption	consumption	NOUN
ajoaa-1757	42	34	without	without	ADP
ajoaa-1757	42	35	investing	invest	VERB
ajoaa-1757	42	36	in	in	ADP
ajoaa-1757	42	37	business	business	NOUN
ajoaa-1757	42	38	.	.	PUNCT
ajoaa-1757	43	1	the	the	DET
ajoaa-1757	43	2	microcredit	microcredit	NOUN
ajoaa-1757	43	3	industry	industry	NOUN
ajoaa-1757	43	4	in	in	ADP
ajoaa-1757	43	5	ghana	ghana	PROPN
ajoaa-1757	43	6	had	have	AUX
ajoaa-1757	43	7	grown	grow	VERB
ajoaa-1757	43	8	tremendously	tremendously	ADV
ajoaa-1757	43	9	since	since	SCONJ
ajoaa-1757	43	10	the	the	DET
ajoaa-1757	43	11	liberalization	liberalization	NOUN
ajoaa-1757	43	12	of	of	ADP
ajoaa-1757	43	13	the	the	DET
ajoaa-1757	43	14	financial	financial	ADJ
ajoaa-1757	43	15	sector	sector	NOUN
ajoaa-1757	43	16	in	in	ADP
ajoaa-1757	43	17	the	the	DET
ajoaa-1757	43	18	past	past	ADJ
ajoaa-1757	43	19	two	two	NUM
ajoaa-1757	43	20	decades	decade	NOUN
ajoaa-1757	43	21	even	even	ADV
ajoaa-1757	43	22	though	though	SCONJ
ajoaa-1757	43	23	the	the	DET
ajoaa-1757	43	24	industry	industry	NOUN
ajoaa-1757	43	25	’s	’s	PART
ajoaa-1757	43	26	existence	existence	NOUN
ajoaa-1757	43	27	dated	date	VERB
ajoaa-1757	43	28	to	to	ADP
ajoaa-1757	43	29	1955	1955	NUM
ajoaa-1757	43	30	when	when	SCONJ
ajoaa-1757	43	31	missionaries	missionary	NOUN
ajoaa-1757	43	32	of	of	ADP
ajoaa-1757	43	33	the	the	DET
ajoaa-1757	43	34	catholic	catholic	PROPN
ajoaa-1757	43	35	church	church	PROPN
ajoaa-1757	43	36	established	establish	VERB
ajoaa-1757	43	37	a	a	DET
ajoaa-1757	43	38	small	small	ADJ
ajoaa-1757	43	39	loan	loan	NOUN
ajoaa-1757	43	40	scheme	scheme	NOUN
ajoaa-1757	43	41	for	for	ADP
ajoaa-1757	43	42	an	an	DET
ajoaa-1757	43	43	underprivileged	underprivileged	ADJ
ajoaa-1757	43	44	community	community	NOUN
ajoaa-1757	43	45	in	in	ADP
ajoaa-1757	43	46	upper	upper	PROPN
ajoaa-1757	43	47	east	east	PROPN
ajoaa-1757	43	48	region	region	NOUN
ajoaa-1757	43	49	of	of	ADP
ajoaa-1757	43	50	ghana	ghana	PROPN
ajoaa-1757	43	51	.	.	PUNCT
ajoaa-1757	44	1	prior	prior	ADV
ajoaa-1757	44	2	to	to	ADP
ajoaa-1757	44	3	1960	1960	NUM
ajoaa-1757	44	4	,	,	PUNCT
ajoaa-1757	44	5	the	the	DET
ajoaa-1757	44	6	policy	policy	NOUN
ajoaa-1757	44	7	of	of	ADP
ajoaa-1757	44	8	the	the	DET
ajoaa-1757	44	9	state	state	NOUN
ajoaa-1757	44	10	was	be	AUX
ajoaa-1757	44	11	to	to	PART
ajoaa-1757	44	12	provide	provide	VERB
ajoaa-1757	44	13	subsided	subside	VERB
ajoaa-1757	44	14	small	small	ADJ
ajoaa-1757	44	15	loans	loan	NOUN
ajoaa-1757	44	16	to	to	ADP
ajoaa-1757	44	17	the	the	DET
ajoaa-1757	44	18	poor	poor	ADJ
ajoaa-1757	44	19	because	because	SCONJ
ajoaa-1757	44	20	it	it	PRON
ajoaa-1757	44	21	was	be	AUX
ajoaa-1757	44	22	believed	believe	VERB
ajoaa-1757	44	23	that	that	SCONJ
ajoaa-1757	44	24	lack	lack	NOUN
ajoaa-1757	44	25	of	of	ADP
ajoaa-1757	44	26	financial	financial	ADJ
ajoaa-1757	44	27	capital	capital	NOUN
ajoaa-1757	44	28	was	be	AUX
ajoaa-1757	44	29	the	the	DET
ajoaa-1757	44	30	main	main	ADJ
ajoaa-1757	44	31	cause	cause	NOUN
ajoaa-1757	44	32	of	of	ADP
ajoaa-1757	44	33	poverty	poverty	NOUN
ajoaa-1757	44	34	especially	especially	ADV
ajoaa-1757	44	35	in	in	ADP
ajoaa-1757	44	36	rural	rural	ADJ
ajoaa-1757	44	37	communities	community	NOUN
ajoaa-1757	44	38	.	.	PUNCT
ajoaa-1757	45	1	the	the	DET
ajoaa-1757	45	2	policy	policy	NOUN
ajoaa-1757	45	3	could	could	AUX
ajoaa-1757	45	4	not	not	PART
ajoaa-1757	45	5	achieve	achieve	VERB
ajoaa-1757	45	6	its	its	PRON
ajoaa-1757	45	7	goal	goal	NOUN
ajoaa-1757	45	8	of	of	ADP
ajoaa-1757	45	9	eliminating	eliminate	VERB
ajoaa-1757	45	10	poverty	poverty	NOUN
ajoaa-1757	45	11	because	because	SCONJ
ajoaa-1757	45	12	poor	poor	ADJ
ajoaa-1757	45	13	people	people	NOUN
ajoaa-1757	45	14	require	require	VERB
ajoaa-1757	45	15	other	other	ADJ
ajoaa-1757	45	16	types	type	NOUN
ajoaa-1757	45	17	of	of	ADP
ajoaa-1757	45	18	financial	financial	ADJ
ajoaa-1757	45	19	services	service	NOUN
ajoaa-1757	45	20	in	in	ADP
ajoaa-1757	45	21	addition	addition	NOUN
ajoaa-1757	45	22	to	to	ADP
ajoaa-1757	45	23	the	the	DET
ajoaa-1757	45	24	small	small	ADJ
ajoaa-1757	45	25	loans	loan	NOUN
ajoaa-1757	45	26	.	.	PUNCT
ajoaa-1757	46	1	there	there	PRON
ajoaa-1757	46	2	was	be	VERB
ajoaa-1757	46	3	therefore	therefore	ADV
ajoaa-1757	46	4	the	the	DET
ajoaa-1757	46	5	need	need	NOUN
ajoaa-1757	46	6	to	to	PART
ajoaa-1757	46	7	in	in	ADP
ajoaa-1757	46	8	-	-	PUNCT
ajoaa-1757	46	9	cooperate	cooperate	VERB
ajoaa-1757	46	10	non	non	ADJ
ajoaa-1757	46	11	-	-	ADJ
ajoaa-1757	46	12	financial	financial	ADJ
ajoaa-1757	46	13	services	service	NOUN
ajoaa-1757	46	14	such	such	ADJ
ajoaa-1757	46	15	savings	saving	NOUN
ajoaa-1757	46	16	,	,	PUNCT
ajoaa-1757	46	17	reinvestment	reinvestment	NOUN
ajoaa-1757	46	18	,	,	PUNCT
ajoaa-1757	46	19	and	and	CCONJ
ajoaa-1757	46	20	business	business	NOUN
ajoaa-1757	46	21	training	training	NOUN
ajoaa-1757	46	22	which	which	PRON
ajoaa-1757	46	23	are	be	AUX
ajoaa-1757	46	24	important	important	ADJ
ajoaa-1757	46	25	for	for	ADP
ajoaa-1757	46	26	proper	proper	ADJ
ajoaa-1757	46	27	loan	loan	NOUN
ajoaa-1757	46	28	management	management	NOUN
ajoaa-1757	46	29	and	and	CCONJ
ajoaa-1757	46	30	utilisation	utilisation	NOUN
ajoaa-1757	46	31	to	to	PART
ajoaa-1757	46	32	achieve	achieve	VERB
ajoaa-1757	46	33	positive	positive	ADJ
ajoaa-1757	46	34	outcomes	outcome	NOUN
ajoaa-1757	46	35	.	.	PUNCT
ajoaa-1757	47	1	asian	asian	ADJ
ajoaa-1757	47	2	journal	journal	PROPN
ajoaa-1757	47	3	of	of	ADP
ajoaa-1757	47	4	agriculture	agriculture	NOUN
ajoaa-1757	47	5	and	and	CCONJ
ajoaa-1757	47	6	rural	rural	ADJ
ajoaa-1757	47	7	development	development	NOUN
ajoaa-1757	47	8	,	,	PUNCT
ajoaa-1757	47	9	8(2)2018	8(2)2018	NUM
ajoaa-1757	47	10	:	:	PUNCT
ajoaa-1757	47	11	74	74	NUM
ajoaa-1757	47	12	-	-	SYM
ajoaa-1757	47	13	91	91	NUM
ajoaa-1757	47	14	76	76	NUM
ajoaa-1757	47	15	from	from	ADP
ajoaa-1757	47	16	the	the	DET
ajoaa-1757	47	17	later	later	ADJ
ajoaa-1757	47	18	parts	part	NOUN
ajoaa-1757	47	19	of	of	ADP
ajoaa-1757	47	20	1960	1960	NUM
ajoaa-1757	47	21	through	through	ADP
ajoaa-1757	47	22	the	the	DET
ajoaa-1757	47	23	70s	70	NOUN
ajoaa-1757	47	24	and	and	CCONJ
ajoaa-1757	47	25	to	to	ADP
ajoaa-1757	47	26	the	the	DET
ajoaa-1757	47	27	1980s	1980	NOUN
ajoaa-1757	47	28	,	,	PUNCT
ajoaa-1757	47	29	provision	provision	NOUN
ajoaa-1757	47	30	of	of	ADP
ajoaa-1757	47	31	microcredit	microcredit	NOUN
ajoaa-1757	47	32	to	to	ADP
ajoaa-1757	47	33	small	small	ADJ
ajoaa-1757	47	34	business	business	NOUN
ajoaa-1757	47	35	enterprises	enterprise	NOUN
ajoaa-1757	47	36	was	be	AUX
ajoaa-1757	47	37	largely	largely	ADV
ajoaa-1757	47	38	done	do	VERB
ajoaa-1757	47	39	through	through	ADP
ajoaa-1757	47	40	ngos	ngo	NOUN
ajoaa-1757	47	41	and	and	CCONJ
ajoaa-1757	47	42	rural	rural	ADJ
ajoaa-1757	47	43	and	and	CCONJ
ajoaa-1757	47	44	community	community	NOUN
ajoaa-1757	47	45	banks	bank	NOUN
ajoaa-1757	47	46	who	who	PRON
ajoaa-1757	47	47	during	during	ADP
ajoaa-1757	47	48	the	the	DET
ajoaa-1757	47	49	period	period	NOUN
ajoaa-1757	47	50	,	,	PUNCT
ajoaa-1757	47	51	placed	place	VERB
ajoaa-1757	47	52	little	little	ADJ
ajoaa-1757	47	53	emphasis	emphasis	NOUN
ajoaa-1757	47	54	on	on	ADP
ajoaa-1757	47	55	financial	financial	ADJ
ajoaa-1757	47	56	sustainability	sustainability	NOUN
ajoaa-1757	47	57	and	and	CCONJ
ajoaa-1757	47	58	self	self	NOUN
ajoaa-1757	47	59	-	-	PUNCT
ajoaa-1757	47	60	sufficiency	sufficiency	NOUN
ajoaa-1757	47	61	.	.	PUNCT
ajoaa-1757	48	1	this	this	DET
ajoaa-1757	48	2	period	period	NOUN
ajoaa-1757	48	3	was	be	AUX
ajoaa-1757	48	4	also	also	ADV
ajoaa-1757	48	5	characterised	characterise	VERB
ajoaa-1757	48	6	by	by	ADP
ajoaa-1757	48	7	heavy	heavy	ADJ
ajoaa-1757	48	8	reliance	reliance	NOUN
ajoaa-1757	48	9	on	on	ADP
ajoaa-1757	48	10	donor	donor	NOUN
ajoaa-1757	48	11	aid	aid	NOUN
ajoaa-1757	48	12	from	from	ADP
ajoaa-1757	48	13	development	development	NOUN
ajoaa-1757	48	14	partners	partner	NOUN
ajoaa-1757	48	15	as	as	SCONJ
ajoaa-1757	48	16	such	such	DET
ajoaa-1757	48	17	the	the	DET
ajoaa-1757	48	18	lending	lending	NOUN
ajoaa-1757	48	19	institutions	institution	NOUN
ajoaa-1757	48	20	paid	pay	VERB
ajoaa-1757	48	21	little	little	ADJ
ajoaa-1757	48	22	attention	attention	NOUN
ajoaa-1757	48	23	to	to	ADP
ajoaa-1757	48	24	effectiveness	effectiveness	NOUN
ajoaa-1757	48	25	,	,	PUNCT
ajoaa-1757	48	26	efficiency	efficiency	NOUN
ajoaa-1757	48	27	,	,	PUNCT
ajoaa-1757	48	28	and	and	CCONJ
ajoaa-1757	48	29	loans	loan	NOUN
ajoaa-1757	48	30	recovery	recovery	NOUN
ajoaa-1757	48	31	.	.	PUNCT
ajoaa-1757	49	1	the	the	DET
ajoaa-1757	49	2	next	next	ADJ
ajoaa-1757	49	3	epoch	epoch	NOUN
ajoaa-1757	49	4	of	of	ADP
ajoaa-1757	49	5	microcredit	microcredit	PROPN
ajoaa-1757	49	6	evolution	evolution	NOUN
ajoaa-1757	49	7	in	in	ADP
ajoaa-1757	49	8	ghana	ghana	PROPN
ajoaa-1757	49	9	was	be	AUX
ajoaa-1757	49	10	from	from	ADP
ajoaa-1757	49	11	the	the	DET
ajoaa-1757	49	12	1990s	1990	NOUN
ajoaa-1757	49	13	and	and	CCONJ
ajoaa-1757	49	14	early	early	ADJ
ajoaa-1757	49	15	part	part	NOUN
ajoaa-1757	49	16	of	of	ADP
ajoaa-1757	49	17	this	this	DET
ajoaa-1757	49	18	century	century	NOUN
ajoaa-1757	49	19	when	when	SCONJ
ajoaa-1757	49	20	policies	policy	NOUN
ajoaa-1757	49	21	were	be	AUX
ajoaa-1757	49	22	initiated	initiate	VERB
ajoaa-1757	49	23	to	to	PART
ajoaa-1757	49	24	formalise	formalise	VERB
ajoaa-1757	49	25	the	the	DET
ajoaa-1757	49	26	microfinance	microfinance	NOUN
ajoaa-1757	49	27	industry	industry	NOUN
ajoaa-1757	49	28	.	.	PUNCT
ajoaa-1757	50	1	during	during	ADP
ajoaa-1757	50	2	this	this	DET
ajoaa-1757	50	3	period	period	NOUN
ajoaa-1757	50	4	,	,	PUNCT
ajoaa-1757	50	5	laws	law	NOUN
ajoaa-1757	50	6	to	to	PART
ajoaa-1757	50	7	support	support	VERB
ajoaa-1757	50	8	the	the	DET
ajoaa-1757	50	9	structure	structure	NOUN
ajoaa-1757	50	10	and	and	CCONJ
ajoaa-1757	50	11	operations	operation	NOUN
ajoaa-1757	50	12	of	of	ADP
ajoaa-1757	50	13	the	the	DET
ajoaa-1757	50	14	microfinance	microfinance	NOUN
ajoaa-1757	50	15	industry	industry	NOUN
ajoaa-1757	50	16	in	in	ADP
ajoaa-1757	50	17	ghana	ghana	PROPN
ajoaa-1757	50	18	were	be	AUX
ajoaa-1757	50	19	promulgated	promulgate	VERB
ajoaa-1757	50	20	(	(	PUNCT
ajoaa-1757	50	21	asiama	asiama	PROPN
ajoaa-1757	50	22	and	and	CCONJ
ajoaa-1757	50	23	osei	osei	PROPN
ajoaa-1757	50	24	,	,	PUNCT
ajoaa-1757	50	25	2007	2007	NUM
ajoaa-1757	50	26	)	)	PUNCT
ajoaa-1757	50	27	.	.	PUNCT
ajoaa-1757	51	1	ever	ever	ADV
ajoaa-1757	51	2	since	since	ADV
ajoaa-1757	51	3	,	,	PUNCT
ajoaa-1757	51	4	ghana	ghana	PROPN
ajoaa-1757	51	5	’s	’s	PART
ajoaa-1757	51	6	microcredit	microcredit	PROPN
ajoaa-1757	51	7	industry	industry	NOUN
ajoaa-1757	51	8	has	have	AUX
ajoaa-1757	51	9	transformed	transform	VERB
ajoaa-1757	51	10	from	from	ADP
ajoaa-1757	51	11	a	a	DET
ajoaa-1757	51	12	non	non	ADJ
ajoaa-1757	51	13	-	-	ADJ
ajoaa-1757	51	14	profit	profit	ADJ
ajoaa-1757	51	15	venture	venture	NOUN
ajoaa-1757	51	16	to	to	ADP
ajoaa-1757	51	17	a	a	DET
ajoaa-1757	51	18	commercial	commercial	ADJ
ajoaa-1757	51	19	one	one	NOUN
ajoaa-1757	51	20	and	and	CCONJ
ajoaa-1757	51	21	its	its	PRON
ajoaa-1757	51	22	operation	operation	NOUN
ajoaa-1757	51	23	has	have	AUX
ajoaa-1757	51	24	expanded	expand	VERB
ajoaa-1757	51	25	all	all	ADV
ajoaa-1757	51	26	over	over	ADP
ajoaa-1757	51	27	the	the	DET
ajoaa-1757	51	28	country	country	NOUN
ajoaa-1757	51	29	.	.	PUNCT
ajoaa-1757	52	1	the	the	DET
ajoaa-1757	52	2	industry	industry	NOUN
ajoaa-1757	52	3	has	have	AUX
ajoaa-1757	52	4	therefore	therefore	ADV
ajoaa-1757	52	5	been	be	AUX
ajoaa-1757	52	6	mainstreamed	mainstreame	VERB
ajoaa-1757	52	7	into	into	ADP
ajoaa-1757	52	8	the	the	DET
ajoaa-1757	52	9	conventional	conventional	ADJ
ajoaa-1757	52	10	financial	financial	ADJ
ajoaa-1757	52	11	system	system	NOUN
ajoaa-1757	52	12	and	and	CCONJ
ajoaa-1757	52	13	is	be	AUX
ajoaa-1757	52	14	now	now	ADV
ajoaa-1757	52	15	regarded	regard	VERB
ajoaa-1757	52	16	as	as	ADP
ajoaa-1757	52	17	one	one	NUM
ajoaa-1757	52	18	of	of	ADP
ajoaa-1757	52	19	the	the	DET
ajoaa-1757	52	20	subsectors	subsector	NOUN
ajoaa-1757	52	21	of	of	ADP
ajoaa-1757	52	22	the	the	DET
ajoaa-1757	52	23	financial	financial	ADJ
ajoaa-1757	52	24	systems	system	NOUN
ajoaa-1757	52	25	in	in	ADP
ajoaa-1757	52	26	ghana	ghana	PROPN
ajoaa-1757	52	27	providing	provide	VERB
ajoaa-1757	52	28	financial	financial	ADJ
ajoaa-1757	52	29	capital	capital	NOUN
ajoaa-1757	52	30	to	to	ADP
ajoaa-1757	52	31	the	the	DET
ajoaa-1757	52	32	poor	poor	ADJ
ajoaa-1757	52	33	.	.	PUNCT
ajoaa-1757	53	1	practitioners	practitioner	NOUN
ajoaa-1757	53	2	within	within	ADP
ajoaa-1757	53	3	the	the	DET
ajoaa-1757	53	4	microcredit	microcredit	NOUN
ajoaa-1757	53	5	industry	industry	NOUN
ajoaa-1757	53	6	believe	believe	VERB
ajoaa-1757	53	7	that	that	SCONJ
ajoaa-1757	53	8	the	the	DET
ajoaa-1757	53	9	increasing	increase	VERB
ajoaa-1757	53	10	number	number	NOUN
ajoaa-1757	53	11	of	of	ADP
ajoaa-1757	53	12	microfinance	microfinance	NOUN
ajoaa-1757	53	13	institutions	institution	NOUN
ajoaa-1757	53	14	in	in	ADP
ajoaa-1757	53	15	ghana	ghana	PROPN
ajoaa-1757	53	16	is	be	AUX
ajoaa-1757	53	17	eventually	eventually	ADV
ajoaa-1757	53	18	closing	close	VERB
ajoaa-1757	53	19	the	the	DET
ajoaa-1757	53	20	lending	lending	NOUN
ajoaa-1757	53	21	gap	gap	NOUN
ajoaa-1757	53	22	that	that	PRON
ajoaa-1757	53	23	had	have	AUX
ajoaa-1757	53	24	been	be	AUX
ajoaa-1757	53	25	created	create	VERB
ajoaa-1757	53	26	by	by	ADP
ajoaa-1757	53	27	the	the	DET
ajoaa-1757	53	28	orthodox	orthodox	ADJ
ajoaa-1757	53	29	financial	financial	ADJ
ajoaa-1757	53	30	markets	market	NOUN
ajoaa-1757	53	31	since	since	SCONJ
ajoaa-1757	53	32	micro	micro	NOUN
ajoaa-1757	53	33	,	,	PUNCT
ajoaa-1757	53	34	small	small	ADJ
ajoaa-1757	53	35	and	and	CCONJ
ajoaa-1757	53	36	medium	medium	ADJ
ajoaa-1757	53	37	scale	scale	NOUN
ajoaa-1757	53	38	enterprises	enterprise	NOUN
ajoaa-1757	53	39	can	can	AUX
ajoaa-1757	53	40	now	now	ADV
ajoaa-1757	53	41	have	have	VERB
ajoaa-1757	53	42	access	access	NOUN
ajoaa-1757	53	43	to	to	ADP
ajoaa-1757	53	44	financial	financial	ADJ
ajoaa-1757	53	45	capital	capital	NOUN
ajoaa-1757	53	46	on	on	ADP
ajoaa-1757	53	47	sustainable	sustainable	ADJ
ajoaa-1757	53	48	bases	basis	NOUN
ajoaa-1757	53	49	from	from	ADP
ajoaa-1757	53	50	microfinance	microfinance	NOUN
ajoaa-1757	53	51	institutions	institution	NOUN
ajoaa-1757	53	52	.	.	PUNCT
ajoaa-1757	54	1	this	this	PRON
ajoaa-1757	54	2	confirms	confirm	VERB
ajoaa-1757	54	3	the	the	DET
ajoaa-1757	54	4	significant	significant	ADJ
ajoaa-1757	54	5	role	role	NOUN
ajoaa-1757	54	6	microcredit	microcredit	NOUN
ajoaa-1757	54	7	plays	play	VERB
ajoaa-1757	54	8	in	in	ADP
ajoaa-1757	54	9	an	an	DET
ajoaa-1757	54	10	open	open	ADJ
ajoaa-1757	54	11	economy	economy	NOUN
ajoaa-1757	54	12	like	like	ADP
ajoaa-1757	54	13	ghana	ghana	PROPN
ajoaa-1757	54	14	’s	’s	PART
ajoaa-1757	54	15	.	.	PUNCT
ajoaa-1757	55	1	crop	crop	NOUN
ajoaa-1757	55	2	production	production	NOUN
ajoaa-1757	55	3	especially	especially	ADV
ajoaa-1757	55	4	vegetables	vegetable	VERB
ajoaa-1757	55	5	cultivation	cultivation	NOUN
ajoaa-1757	55	6	like	like	ADP
ajoaa-1757	55	7	any	any	DET
ajoaa-1757	55	8	other	other	ADJ
ajoaa-1757	55	9	economic	economic	ADJ
ajoaa-1757	55	10	activities	activity	NOUN
ajoaa-1757	55	11	is	be	AUX
ajoaa-1757	55	12	capital	capital	NOUN
ajoaa-1757	55	13	intensive	intensive	ADJ
ajoaa-1757	55	14	.	.	PUNCT
ajoaa-1757	56	1	vegetable	vegetable	NOUN
ajoaa-1757	56	2	farming	farming	NOUN
ajoaa-1757	56	3	requires	require	VERB
ajoaa-1757	56	4	inputs	input	NOUN
ajoaa-1757	56	5	such	such	ADJ
ajoaa-1757	56	6	as	as	ADP
ajoaa-1757	56	7	seedlings	seedling	NOUN
ajoaa-1757	56	8	,	,	PUNCT
ajoaa-1757	56	9	fertilizer	fertilizer	NOUN
ajoaa-1757	56	10	and	and	CCONJ
ajoaa-1757	56	11	agro	agro	NOUN
ajoaa-1757	56	12	-	-	PUNCT
ajoaa-1757	56	13	chemicals	chemical	NOUN
ajoaa-1757	56	14	for	for	ADP
ajoaa-1757	56	15	which	which	PRON
ajoaa-1757	56	16	some	some	DET
ajoaa-1757	56	17	amount	amount	NOUN
ajoaa-1757	56	18	of	of	ADP
ajoaa-1757	56	19	capital	capital	NOUN
ajoaa-1757	56	20	is	be	AUX
ajoaa-1757	56	21	needed	need	VERB
ajoaa-1757	56	22	.	.	PUNCT
ajoaa-1757	57	1	the	the	DET
ajoaa-1757	57	2	main	main	ADJ
ajoaa-1757	57	3	economic	economic	ADJ
ajoaa-1757	57	4	activity	activity	NOUN
ajoaa-1757	57	5	of	of	ADP
ajoaa-1757	57	6	the	the	DET
ajoaa-1757	57	7	people	people	NOUN
ajoaa-1757	57	8	of	of	ADP
ajoaa-1757	57	9	ada	ada	PROPN
ajoaa-1757	57	10	west	west	PROPN
ajoaa-1757	57	11	district	district	PROPN
ajoaa-1757	57	12	and	and	CCONJ
ajoaa-1757	57	13	ada	ada	PROPN
ajoaa-1757	57	14	east	east	PROPN
ajoaa-1757	57	15	district	district	PROPN
ajoaa-1757	57	16	is	be	AUX
ajoaa-1757	57	17	farming	farm	VERB
ajoaa-1757	57	18	.	.	PUNCT
ajoaa-1757	58	1	therefore	therefore	ADV
ajoaa-1757	58	2	,	,	PUNCT
ajoaa-1757	58	3	the	the	DET
ajoaa-1757	58	4	emergence	emergence	NOUN
ajoaa-1757	58	5	of	of	ADP
ajoaa-1757	58	6	the	the	DET
ajoaa-1757	58	7	microcredit	microcredit	NOUN
ajoaa-1757	58	8	programmes	programme	NOUN
ajoaa-1757	58	9	in	in	ADP
ajoaa-1757	58	10	these	these	DET
ajoaa-1757	58	11	two	two	NUM
ajoaa-1757	58	12	districts	district	NOUN
ajoaa-1757	58	13	was	be	AUX
ajoaa-1757	58	14	highly	highly	ADV
ajoaa-1757	58	15	welcomed	welcome	VERB
ajoaa-1757	58	16	by	by	ADP
ajoaa-1757	58	17	the	the	DET
ajoaa-1757	58	18	people	people	NOUN
ajoaa-1757	58	19	.	.	PUNCT
ajoaa-1757	59	1	most	most	ADJ
ajoaa-1757	59	2	of	of	ADP
ajoaa-1757	59	3	the	the	DET
ajoaa-1757	59	4	smallholder	smallholder	NOUN
ajoaa-1757	59	5	farmers	farmer	NOUN
ajoaa-1757	59	6	in	in	ADP
ajoaa-1757	59	7	ada	ada	PROPN
ajoaa-1757	59	8	west	west	PROPN
ajoaa-1757	59	9	and	and	CCONJ
ajoaa-1757	59	10	ada	ada	PROPN
ajoaa-1757	59	11	east	east	PROPN
ajoaa-1757	59	12	districts	district	NOUN
ajoaa-1757	59	13	over	over	ADP
ajoaa-1757	59	14	the	the	DET
ajoaa-1757	59	15	years	year	NOUN
ajoaa-1757	59	16	have	have	AUX
ajoaa-1757	59	17	relied	rely	VERB
ajoaa-1757	59	18	on	on	ADP
ajoaa-1757	59	19	microcredit	microcredit	NOUN
ajoaa-1757	59	20	to	to	PART
ajoaa-1757	59	21	meet	meet	VERB
ajoaa-1757	59	22	their	their	PRON
ajoaa-1757	59	23	financial	financial	ADJ
ajoaa-1757	59	24	capital	capital	NOUN
ajoaa-1757	59	25	needs	need	NOUN
ajoaa-1757	59	26	.	.	PUNCT
ajoaa-1757	60	1	however	however	ADV
ajoaa-1757	60	2	,	,	PUNCT
ajoaa-1757	60	3	recent	recent	ADJ
ajoaa-1757	60	4	developments	development	NOUN
ajoaa-1757	60	5	in	in	ADP
ajoaa-1757	60	6	the	the	DET
ajoaa-1757	60	7	microfinance	microfinance	NOUN
ajoaa-1757	60	8	industry	industry	NOUN
ajoaa-1757	60	9	have	have	AUX
ajoaa-1757	60	10	been	be	AUX
ajoaa-1757	60	11	a	a	DET
ajoaa-1757	60	12	course	course	NOUN
ajoaa-1757	60	13	of	of	ADP
ajoaa-1757	60	14	concern	concern	NOUN
ajoaa-1757	60	15	among	among	ADP
ajoaa-1757	60	16	many	many	ADJ
ajoaa-1757	60	17	players	player	NOUN
ajoaa-1757	60	18	of	of	ADP
ajoaa-1757	60	19	the	the	DET
ajoaa-1757	60	20	sector	sector	NOUN
ajoaa-1757	60	21	.	.	PUNCT
ajoaa-1757	61	1	one	one	NUM
ajoaa-1757	61	2	critical	critical	ADJ
ajoaa-1757	61	3	area	area	NOUN
ajoaa-1757	61	4	of	of	ADP
ajoaa-1757	61	5	concern	concern	NOUN
ajoaa-1757	61	6	was	be	AUX
ajoaa-1757	61	7	the	the	DET
ajoaa-1757	61	8	collapse	collapse	NOUN
ajoaa-1757	61	9	of	of	ADP
ajoaa-1757	61	10	hitherto	hitherto	NOUN
ajoaa-1757	61	11	strong	strong	ADJ
ajoaa-1757	61	12	microcredit	microcredit	NOUN
ajoaa-1757	61	13	schemes	scheme	NOUN
ajoaa-1757	61	14	due	due	ADJ
ajoaa-1757	61	15	to	to	ADP
ajoaa-1757	61	16	:	:	PUNCT
ajoaa-1757	61	17			PRON
ajoaa-1757	61	18	investments	investment	NOUN
ajoaa-1757	61	19	in	in	ADP
ajoaa-1757	61	20	extremely	extremely	ADV
ajoaa-1757	61	21	risky	risky	ADJ
ajoaa-1757	61	22	assets	asset	NOUN
ajoaa-1757	61	23	(	(	PUNCT
ajoaa-1757	61	24	long	long	ADJ
ajoaa-1757	61	25	term	term	NOUN
ajoaa-1757	61	26	and	and	CCONJ
ajoaa-1757	61	27	very	very	ADV
ajoaa-1757	61	28	large	large	ADJ
ajoaa-1757	61	29	assets	asset	NOUN
ajoaa-1757	61	30	)	)	PUNCT
ajoaa-1757	61	31	with	with	ADP
ajoaa-1757	61	32	the	the	DET
ajoaa-1757	61	33	view	view	NOUN
ajoaa-1757	61	34	to	to	PART
ajoaa-1757	61	35	make	make	VERB
ajoaa-1757	61	36	super	super	ADJ
ajoaa-1757	61	37	abnormal	abnormal	ADJ
ajoaa-1757	61	38	profits	profit	NOUN
ajoaa-1757	61	39	defeating	defeat	VERB
ajoaa-1757	61	40	the	the	DET
ajoaa-1757	61	41	initial	initial	ADJ
ajoaa-1757	61	42	objective	objective	NOUN
ajoaa-1757	61	43	of	of	ADP
ajoaa-1757	61	44	microcredit	microcredit	NOUN
ajoaa-1757	61	45	as	as	SCONJ
ajoaa-1757	61	46	envisioned	envision	VERB
ajoaa-1757	61	47	by	by	ADP
ajoaa-1757	61	48	mohammed	mohammed	PROPN
ajoaa-1757	61	49	yunus	yunus	PROPN
ajoaa-1757	61	50	;	;	PUNCT
ajoaa-1757	61	51	providing	provide	VERB
ajoaa-1757	61	52	short	short	ADJ
ajoaa-1757	61	53	term	term	NOUN
ajoaa-1757	61	54	small	small	ADJ
ajoaa-1757	61	55	loans	loan	NOUN
ajoaa-1757	61	56	to	to	ADP
ajoaa-1757	61	57	micro	micro	ADJ
ajoaa-1757	61	58	entrepreneurs	entrepreneur	NOUN
ajoaa-1757	61	59			NOUN
ajoaa-1757	61	60	lending	lend	VERB
ajoaa-1757	61	61	to	to	ADP
ajoaa-1757	61	62	close	close	ADJ
ajoaa-1757	61	63	associates	associate	NOUN
ajoaa-1757	61	64	who	who	PRON
ajoaa-1757	61	65	invest	invest	VERB
ajoaa-1757	61	66	the	the	DET
ajoaa-1757	61	67	loan	loan	NOUN
ajoaa-1757	61	68	in	in	ADP
ajoaa-1757	61	69	unproductive	unproductive	ADJ
ajoaa-1757	61	70	ventures	venture	NOUN
ajoaa-1757	61	71	;	;	PUNCT
ajoaa-1757	61	72	and	and	CCONJ
ajoaa-1757	61	73			NOUN
ajoaa-1757	61	74	high	high	ADJ
ajoaa-1757	61	75	rate	rate	NOUN
ajoaa-1757	61	76	of	of	ADP
ajoaa-1757	61	77	default	default	NOUN
ajoaa-1757	61	78	among	among	ADP
ajoaa-1757	61	79	borrowers	borrower	NOUN
ajoaa-1757	61	80	due	due	ADP
ajoaa-1757	61	81	to	to	ADP
ajoaa-1757	61	82	multiplicity	multiplicity	NOUN
ajoaa-1757	61	83	of	of	ADP
ajoaa-1757	61	84	factors	factor	NOUN
ajoaa-1757	61	85	.	.	PUNCT
ajoaa-1757	62	1	the	the	DET
ajoaa-1757	62	2	last	last	ADJ
ajoaa-1757	62	3	five	five	NUM
ajoaa-1757	62	4	years	year	NOUN
ajoaa-1757	62	5	has	have	AUX
ajoaa-1757	62	6	witnessed	witness	VERB
ajoaa-1757	62	7	the	the	DET
ajoaa-1757	62	8	collapse	collapse	NOUN
ajoaa-1757	62	9	of	of	ADP
ajoaa-1757	62	10	several	several	ADJ
ajoaa-1757	62	11	microcredit	microcredit	NOUN
ajoaa-1757	62	12	institutions	institution	NOUN
ajoaa-1757	62	13	whiles	while	VERB
ajoaa-1757	62	14	others	other	NOUN
ajoaa-1757	62	15	are	be	AUX
ajoaa-1757	62	16	in	in	ADP
ajoaa-1757	62	17	financial	financial	ADJ
ajoaa-1757	62	18	distress	distress	NOUN
ajoaa-1757	62	19	due	due	ADP
ajoaa-1757	62	20	to	to	ADP
ajoaa-1757	62	21	the	the	DET
ajoaa-1757	62	22	factors	factor	NOUN
ajoaa-1757	62	23	enumerated	enumerate	VERB
ajoaa-1757	62	24	.	.	PUNCT
ajoaa-1757	63	1	the	the	DET
ajoaa-1757	63	2	main	main	ADJ
ajoaa-1757	63	3	source	source	NOUN
ajoaa-1757	63	4	of	of	ADP
ajoaa-1757	63	5	capital	capital	NOUN
ajoaa-1757	63	6	for	for	ADP
ajoaa-1757	63	7	most	most	ADJ
ajoaa-1757	63	8	of	of	ADP
ajoaa-1757	63	9	the	the	DET
ajoaa-1757	63	10	smallholder	smallholder	NOUN
ajoaa-1757	63	11	farmers	farmer	NOUN
ajoaa-1757	63	12	in	in	ADP
ajoaa-1757	63	13	ada	ada	PROPN
ajoaa-1757	63	14	west	west	PROPN
ajoaa-1757	63	15	and	and	CCONJ
ajoaa-1757	63	16	ada	ada	PROPN
ajoaa-1757	63	17	east	east	PROPN
ajoaa-1757	63	18	districts	district	NOUN
ajoaa-1757	63	19	is	be	AUX
ajoaa-1757	63	20	microcredit	microcredit	NOUN
ajoaa-1757	63	21	without	without	ADP
ajoaa-1757	63	22	which	which	PRON
ajoaa-1757	63	23	farming	farming	NOUN
ajoaa-1757	63	24	activities	activity	NOUN
ajoaa-1757	63	25	,	,	PUNCT
ajoaa-1757	63	26	especially	especially	ADV
ajoaa-1757	63	27	vegetable	vegetable	ADJ
ajoaa-1757	63	28	cultivation	cultivation	NOUN
ajoaa-1757	63	29	,	,	PUNCT
ajoaa-1757	63	30	the	the	DET
ajoaa-1757	63	31	livelihood	livelihood	NOUN
ajoaa-1757	63	32	activity	activity	NOUN
ajoaa-1757	63	33	of	of	ADP
ajoaa-1757	63	34	the	the	DET
ajoaa-1757	63	35	people	people	NOUN
ajoaa-1757	63	36	will	will	AUX
ajoaa-1757	63	37	come	come	VERB
ajoaa-1757	63	38	to	to	ADP
ajoaa-1757	63	39	a	a	DET
ajoaa-1757	63	40	standstill	standstill	NOUN
ajoaa-1757	63	41	,	,	PUNCT
ajoaa-1757	63	42	thereby	thereby	ADV
ajoaa-1757	63	43	increasing	increase	VERB
ajoaa-1757	63	44	poverty	poverty	NOUN
ajoaa-1757	63	45	levels	level	NOUN
ajoaa-1757	63	46	within	within	ADP
ajoaa-1757	63	47	the	the	DET
ajoaa-1757	63	48	two	two	NUM
ajoaa-1757	63	49	districts	district	NOUN
ajoaa-1757	63	50	.	.	PUNCT
ajoaa-1757	64	1	an	an	DET
ajoaa-1757	64	2	empirical	empirical	ADJ
ajoaa-1757	64	3	evidence	evidence	NOUN
ajoaa-1757	64	4	to	to	PART
ajoaa-1757	64	5	establish	establish	VERB
ajoaa-1757	64	6	microcredit	microcredit	NOUN
ajoaa-1757	64	7	loan	loan	NOUN
ajoaa-1757	64	8	repayment	repayment	NOUN
ajoaa-1757	64	9	in	in	SCONJ
ajoaa-1757	64	10	order	order	NOUN
ajoaa-1757	64	11	to	to	PART
ajoaa-1757	64	12	find	find	VERB
ajoaa-1757	64	13	answers	answer	NOUN
ajoaa-1757	64	14	to	to	ADP
ajoaa-1757	64	15	the	the	DET
ajoaa-1757	64	16	sustainability	sustainability	NOUN
ajoaa-1757	64	17	of	of	ADP
ajoaa-1757	64	18	the	the	DET
ajoaa-1757	64	19	microcredit	microcredit	NOUN
ajoaa-1757	64	20	programme	programme	NOUN
ajoaa-1757	64	21	in	in	ADP
ajoaa-1757	64	22	the	the	DET
ajoaa-1757	64	23	ada	ada	PROPN
ajoaa-1757	64	24	east	east	PROPN
ajoaa-1757	64	25	district	district	PROPN
ajoaa-1757	64	26	and	and	CCONJ
ajoaa-1757	64	27	ada	ada	PROPN
ajoaa-1757	64	28	west	west	PROPN
ajoaa-1757	64	29	district	district	PROPN
ajoaa-1757	64	30	can	can	AUX
ajoaa-1757	64	31	not	not	PART
ajoaa-1757	64	32	be	be	AUX
ajoaa-1757	64	33	overestimated	overestimate	VERB
ajoaa-1757	64	34	.	.	PUNCT
ajoaa-1757	65	1	this	this	PRON
ajoaa-1757	65	2	,	,	PUNCT
ajoaa-1757	65	3	therefore	therefore	ADV
ajoaa-1757	65	4	is	be	AUX
ajoaa-1757	65	5	the	the	DET
ajoaa-1757	65	6	focus	focus	NOUN
ajoaa-1757	65	7	of	of	ADP
ajoaa-1757	65	8	this	this	DET
ajoaa-1757	65	9	paper	paper	NOUN
ajoaa-1757	65	10	.	.	PUNCT
ajoaa-1757	66	1	in	in	ADP
ajoaa-1757	66	2	many	many	ADJ
ajoaa-1757	66	3	microcredit	microcredit	NOUN
ajoaa-1757	66	4	institutions	institution	NOUN
ajoaa-1757	66	5	the	the	DET
ajoaa-1757	66	6	procedures	procedure	NOUN
ajoaa-1757	66	7	adopted	adopt	VERB
ajoaa-1757	66	8	to	to	PART
ajoaa-1757	66	9	advance	advance	VERB
ajoaa-1757	66	10	credit	credit	NOUN
ajoaa-1757	66	11	to	to	ADP
ajoaa-1757	66	12	a	a	DET
ajoaa-1757	66	13	would	would	AUX
ajoaa-1757	66	14	-	-	PUNCT
ajoaa-1757	66	15	be	be	AUX
ajoaa-1757	66	16	-	-	PUNCT
ajoaa-1757	66	17	borrower	borrower	NOUN
ajoaa-1757	66	18	are	be	AUX
ajoaa-1757	66	19	normally	normally	ADV
ajoaa-1757	66	20	hypothetical	hypothetical	ADJ
ajoaa-1757	66	21	and	and	CCONJ
ajoaa-1757	66	22	largely	largely	ADV
ajoaa-1757	66	23	depend	depend	VERB
ajoaa-1757	66	24	on	on	ADP
ajoaa-1757	66	25	past	past	ADJ
ajoaa-1757	66	26	knowledge	knowledge	NOUN
ajoaa-1757	66	27	of	of	ADP
ajoaa-1757	66	28	the	the	DET
ajoaa-1757	66	29	borrower	borrower	NOUN
ajoaa-1757	66	30	or	or	CCONJ
ajoaa-1757	66	31	experience	experience	NOUN
ajoaa-1757	66	32	of	of	ADP
ajoaa-1757	66	33	the	the	DET
ajoaa-1757	66	34	borrower	borrower	NOUN
ajoaa-1757	66	35	rather	rather	ADV
ajoaa-1757	66	36	than	than	ADP
ajoaa-1757	66	37	on	on	ADP
ajoaa-1757	66	38	empirical	empirical	ADJ
ajoaa-1757	66	39	and	and	CCONJ
ajoaa-1757	66	40	objective	objective	ADJ
ajoaa-1757	66	41	analysis	analysis	NOUN
ajoaa-1757	66	42	.	.	PUNCT
ajoaa-1757	67	1	nevertheless	nevertheless	ADV
ajoaa-1757	67	2	it	it	PRON
ajoaa-1757	67	3	must	must	AUX
ajoaa-1757	67	4	be	be	AUX
ajoaa-1757	67	5	acknowledged	acknowledge	VERB
ajoaa-1757	67	6	that	that	SCONJ
ajoaa-1757	67	7	the	the	DET
ajoaa-1757	67	8	decision	decision	NOUN
ajoaa-1757	67	9	to	to	PART
ajoaa-1757	67	10	lend	lend	VERB
ajoaa-1757	67	11	to	to	ADP
ajoaa-1757	67	12	the	the	DET
ajoaa-1757	67	13	borrower	borrower	NOUN
ajoaa-1757	67	14	is	be	AUX
ajoaa-1757	67	15	based	base	VERB
ajoaa-1757	67	16	on	on	ADP
ajoaa-1757	67	17	speculations	speculation	NOUN
ajoaa-1757	67	18	but	but	CCONJ
ajoaa-1757	67	19	it	it	PRON
ajoaa-1757	67	20	is	be	AUX
ajoaa-1757	67	21	more	more	ADV
ajoaa-1757	67	22	appropriate	appropriate	ADJ
ajoaa-1757	67	23	if	if	SCONJ
ajoaa-1757	67	24	such	such	ADJ
ajoaa-1757	67	25	decisions	decision	NOUN
ajoaa-1757	67	26	are	be	AUX
ajoaa-1757	67	27	based	base	VERB
ajoaa-1757	67	28	on	on	ADP
ajoaa-1757	67	29	empirical	empirical	ADJ
ajoaa-1757	67	30	evidence	evidence	NOUN
ajoaa-1757	67	31	.	.	PUNCT
ajoaa-1757	68	1	the	the	DET
ajoaa-1757	68	2	decision	decision	NOUN
ajoaa-1757	68	3	to	to	PART
ajoaa-1757	68	4	grant	grant	VERB
ajoaa-1757	68	5	credit	credit	NOUN
ajoaa-1757	68	6	to	to	ADP
ajoaa-1757	68	7	a	a	DET
ajoaa-1757	68	8	borrower	borrower	NOUN
ajoaa-1757	68	9	is	be	AUX
ajoaa-1757	68	10	based	base	VERB
ajoaa-1757	68	11	on	on	ADP
ajoaa-1757	68	12	certain	certain	ADJ
ajoaa-1757	68	13	criteria	criterion	NOUN
ajoaa-1757	68	14	such	such	ADJ
ajoaa-1757	68	15	as	as	ADP
ajoaa-1757	68	16	collateral	collateral	ADJ
ajoaa-1757	68	17	securities	security	NOUN
ajoaa-1757	68	18	or	or	CCONJ
ajoaa-1757	68	19	a	a	DET
ajoaa-1757	68	20	deposit	deposit	NOUN
ajoaa-1757	68	21	from	from	ADP
ajoaa-1757	68	22	the	the	DET
ajoaa-1757	68	23	borrower	borrower	NOUN
ajoaa-1757	68	24	to	to	PART
ajoaa-1757	68	25	achieve	achieve	VERB
ajoaa-1757	68	26	maximum	maximum	ADJ
ajoaa-1757	68	27	repayment	repayment	NOUN
ajoaa-1757	68	28	.	.	PUNCT
ajoaa-1757	69	1	relying	rely	VERB
ajoaa-1757	69	2	on	on	ADP
ajoaa-1757	69	3	these	these	DET
ajoaa-1757	69	4	criteria	criterion	NOUN
ajoaa-1757	69	5	to	to	PART
ajoaa-1757	69	6	access	access	VERB
ajoaa-1757	69	7	repayment	repayment	NOUN
ajoaa-1757	69	8	rates	rate	NOUN
ajoaa-1757	69	9	of	of	ADP
ajoaa-1757	69	10	vegetable	vegetable	NOUN
ajoaa-1757	69	11	farmers	farmer	NOUN
ajoaa-1757	69	12	in	in	ADP
ajoaa-1757	69	13	the	the	DET
ajoaa-1757	69	14	two	two	NUM
ajoaa-1757	69	15	districts	district	NOUN
ajoaa-1757	69	16	in	in	ADP
ajoaa-1757	69	17	ada	ada	PROPN
ajoaa-1757	69	18	may	may	AUX
ajoaa-1757	69	19	be	be	AUX
ajoaa-1757	69	20	misleading	misleading	ADJ
ajoaa-1757	69	21	.	.	PUNCT
ajoaa-1757	70	1	asian	asian	ADJ
ajoaa-1757	70	2	journal	journal	PROPN
ajoaa-1757	70	3	of	of	ADP
ajoaa-1757	70	4	agriculture	agriculture	NOUN
ajoaa-1757	70	5	and	and	CCONJ
ajoaa-1757	70	6	rural	rural	ADJ
ajoaa-1757	70	7	development	development	NOUN
ajoaa-1757	70	8	,	,	PUNCT
ajoaa-1757	70	9	8(2)2018	8(2)2018	NUM
ajoaa-1757	70	10	:	:	PUNCT
ajoaa-1757	70	11	74	74	NUM
ajoaa-1757	70	12	-	-	SYM
ajoaa-1757	70	13	91	91	NUM
ajoaa-1757	70	14	77	77	NUM
ajoaa-1757	70	15	the	the	DET
ajoaa-1757	70	16	use	use	NOUN
ajoaa-1757	70	17	of	of	ADP
ajoaa-1757	70	18	speculative	speculative	ADJ
ajoaa-1757	70	19	means	mean	NOUN
ajoaa-1757	70	20	to	to	PART
ajoaa-1757	70	21	make	make	VERB
ajoaa-1757	70	22	a	a	DET
ajoaa-1757	70	23	decision	decision	NOUN
ajoaa-1757	70	24	could	could	AUX
ajoaa-1757	70	25	have	have	VERB
ajoaa-1757	70	26	severe	severe	ADJ
ajoaa-1757	70	27	negative	negative	ADJ
ajoaa-1757	70	28	outcome	outcome	NOUN
ajoaa-1757	70	29	for	for	ADP
ajoaa-1757	70	30	the	the	DET
ajoaa-1757	70	31	microcredit	microcredit	NOUN
ajoaa-1757	70	32	institution	institution	NOUN
ajoaa-1757	70	33	.	.	PUNCT
ajoaa-1757	71	1	besides	besides	ADV
ajoaa-1757	71	2	,	,	PUNCT
ajoaa-1757	71	3	much	much	ADV
ajoaa-1757	71	4	can	can	AUX
ajoaa-1757	71	5	be	be	AUX
ajoaa-1757	71	6	found	find	VERB
ajoaa-1757	71	7	in	in	ADP
ajoaa-1757	71	8	literature	literature	NOUN
ajoaa-1757	71	9	on	on	ADP
ajoaa-1757	71	10	the	the	DET
ajoaa-1757	71	11	criteria	criterion	NOUN
ajoaa-1757	71	12	for	for	ADP
ajoaa-1757	71	13	lending	lending	NOUN
ajoaa-1757	71	14	by	by	ADP
ajoaa-1757	71	15	microcredit	microcredit	NOUN
ajoaa-1757	71	16	institutions	institution	NOUN
ajoaa-1757	71	17	.	.	PUNCT
ajoaa-1757	72	1	however	however	ADV
ajoaa-1757	72	2	,	,	PUNCT
ajoaa-1757	72	3	not	not	PART
ajoaa-1757	72	4	same	same	ADJ
ajoaa-1757	72	5	can	can	AUX
ajoaa-1757	72	6	be	be	AUX
ajoaa-1757	72	7	said	say	VERB
ajoaa-1757	72	8	for	for	ADP
ajoaa-1757	72	9	the	the	DET
ajoaa-1757	72	10	reasons	reason	NOUN
ajoaa-1757	72	11	for	for	ADP
ajoaa-1757	72	12	failure	failure	NOUN
ajoaa-1757	72	13	to	to	PART
ajoaa-1757	72	14	repay	repay	VERB
ajoaa-1757	72	15	credit	credit	NOUN
ajoaa-1757	72	16	advanced	advance	VERB
ajoaa-1757	72	17	to	to	ADP
ajoaa-1757	72	18	borrowers	borrower	NOUN
ajoaa-1757	72	19	,	,	PUNCT
ajoaa-1757	72	20	though	though	SCONJ
ajoaa-1757	72	21	such	such	ADJ
ajoaa-1757	72	22	defaulters	defaulter	NOUN
ajoaa-1757	72	23	met	meet	VERB
ajoaa-1757	72	24	the	the	DET
ajoaa-1757	72	25	minimum	minimum	ADJ
ajoaa-1757	72	26	lending	lending	NOUN
ajoaa-1757	72	27	criteria	criterion	NOUN
ajoaa-1757	72	28	required	require	VERB
ajoaa-1757	72	29	by	by	ADP
ajoaa-1757	72	30	lenders	lender	NOUN
ajoaa-1757	72	31	,	,	PUNCT
ajoaa-1757	72	32	therefore	therefore	ADV
ajoaa-1757	72	33	the	the	DET
ajoaa-1757	72	34	need	need	NOUN
ajoaa-1757	72	35	for	for	ADP
ajoaa-1757	72	36	this	this	DET
ajoaa-1757	72	37	study	study	NOUN
ajoaa-1757	72	38	.	.	PUNCT
ajoaa-1757	73	1	using	use	VERB
ajoaa-1757	73	2	farmer	farmer	NOUN
ajoaa-1757	73	3	and	and	CCONJ
ajoaa-1757	73	4	microcredit	microcredit	VERB
ajoaa-1757	73	5	specific	specific	ADJ
ajoaa-1757	73	6	characteristics	characteristic	NOUN
ajoaa-1757	73	7	such	such	ADJ
ajoaa-1757	73	8	as	as	ADP
ajoaa-1757	73	9	mode	mode	NOUN
ajoaa-1757	73	10	of	of	ADP
ajoaa-1757	73	11	repayment	repayment	NOUN
ajoaa-1757	73	12	,	,	PUNCT
ajoaa-1757	73	13	interest	interest	NOUN
ajoaa-1757	73	14	rate	rate	NOUN
ajoaa-1757	73	15	,	,	PUNCT
ajoaa-1757	73	16	gender	gender	NOUN
ajoaa-1757	73	17	,	,	PUNCT
ajoaa-1757	73	18	duration	duration	NOUN
ajoaa-1757	73	19	of	of	ADP
ajoaa-1757	73	20	repayment	repayment	NOUN
ajoaa-1757	73	21	among	among	ADP
ajoaa-1757	73	22	others	other	NOUN
ajoaa-1757	73	23	,	,	PUNCT
ajoaa-1757	73	24	this	this	DET
ajoaa-1757	73	25	study	study	NOUN
ajoaa-1757	73	26	provides	provide	VERB
ajoaa-1757	73	27	empirical	empirical	ADJ
ajoaa-1757	73	28	evidence	evidence	NOUN
ajoaa-1757	73	29	as	as	ADP
ajoaa-1757	73	30	to	to	ADP
ajoaa-1757	73	31	whether	whether	SCONJ
ajoaa-1757	73	32	these	these	DET
ajoaa-1757	73	33	characteristics	characteristic	NOUN
ajoaa-1757	73	34	impact	impact	NOUN
ajoaa-1757	73	35	on	on	ADP
ajoaa-1757	73	36	the	the	DET
ajoaa-1757	73	37	capability	capability	NOUN
ajoaa-1757	73	38	of	of	ADP
ajoaa-1757	73	39	the	the	DET
ajoaa-1757	73	40	borrowers	borrower	NOUN
ajoaa-1757	73	41	to	to	PART
ajoaa-1757	73	42	repay	repay	VERB
ajoaa-1757	73	43	the	the	DET
ajoaa-1757	73	44	credit	credit	NOUN
ajoaa-1757	73	45	advanced	advance	VERB
ajoaa-1757	73	46	to	to	ADP
ajoaa-1757	73	47	them	they	PRON
ajoaa-1757	73	48	.	.	PUNCT
ajoaa-1757	74	1	2	2	X
ajoaa-1757	74	2	.	.	X
ajoaa-1757	74	3	determinants	determinant	NOUN
ajoaa-1757	74	4	of	of	ADP
ajoaa-1757	74	5	microcredit	microcredit	NOUN
ajoaa-1757	74	6	repayment	repayment	NOUN
ajoaa-1757	74	7	there	there	PRON
ajoaa-1757	74	8	are	be	VERB
ajoaa-1757	74	9	several	several	ADJ
ajoaa-1757	74	10	factors	factor	NOUN
ajoaa-1757	74	11	that	that	PRON
ajoaa-1757	74	12	determine	determine	VERB
ajoaa-1757	74	13	the	the	DET
ajoaa-1757	74	14	ability	ability	NOUN
ajoaa-1757	74	15	of	of	ADP
ajoaa-1757	74	16	borrowers	borrower	NOUN
ajoaa-1757	74	17	to	to	PART
ajoaa-1757	74	18	repay	repay	VERB
ajoaa-1757	74	19	the	the	DET
ajoaa-1757	74	20	credit	credit	NOUN
ajoaa-1757	74	21	advanced	advance	VERB
ajoaa-1757	74	22	to	to	ADP
ajoaa-1757	74	23	them	they	PRON
ajoaa-1757	74	24	by	by	ADP
ajoaa-1757	74	25	the	the	DET
ajoaa-1757	74	26	credit	credit	NOUN
ajoaa-1757	74	27	providing	provide	VERB
ajoaa-1757	74	28	agency	agency	NOUN
ajoaa-1757	74	29	.	.	PUNCT
ajoaa-1757	75	1	these	these	DET
ajoaa-1757	75	2	factors	factor	NOUN
ajoaa-1757	75	3	are	be	AUX
ajoaa-1757	75	4	discussed	discuss	VERB
ajoaa-1757	75	5	below	below	ADP
ajoaa-1757	75	6	based	base	VERB
ajoaa-1757	75	7	on	on	ADP
ajoaa-1757	75	8	previous	previous	ADJ
ajoaa-1757	75	9	research	research	NOUN
ajoaa-1757	75	10	.	.	PUNCT
ajoaa-1757	76	1	rural	rural	ADJ
ajoaa-1757	76	2	people	people	NOUN
ajoaa-1757	76	3	especially	especially	ADV
ajoaa-1757	76	4	the	the	DET
ajoaa-1757	76	5	vulnerable	vulnerable	ADJ
ajoaa-1757	76	6	such	such	ADJ
ajoaa-1757	76	7	as	as	ADP
ajoaa-1757	76	8	women	woman	NOUN
ajoaa-1757	76	9	normally	normally	ADV
ajoaa-1757	76	10	have	have	VERB
ajoaa-1757	76	11	unequal	unequal	ADJ
ajoaa-1757	76	12	access	access	NOUN
ajoaa-1757	76	13	to	to	ADP
ajoaa-1757	76	14	credit	credit	NOUN
ajoaa-1757	76	15	.	.	PUNCT
ajoaa-1757	77	1	the	the	DET
ajoaa-1757	77	2	problem	problem	NOUN
ajoaa-1757	77	3	is	be	AUX
ajoaa-1757	77	4	more	more	ADV
ajoaa-1757	77	5	pronounced	pronounced	ADJ
ajoaa-1757	77	6	in	in	ADP
ajoaa-1757	77	7	developing	develop	VERB
ajoaa-1757	77	8	countries	country	NOUN
ajoaa-1757	77	9	(	(	PUNCT
ajoaa-1757	77	10	rodriguez	rodriguez	NOUN
ajoaa-1757	77	11	,	,	PUNCT
ajoaa-1757	77	12	1995	1995	NUM
ajoaa-1757	77	13	;	;	PUNCT
ajoaa-1757	77	14	yunus	yunus	PROPN
ajoaa-1757	77	15	,	,	PUNCT
ajoaa-1757	77	16	1995	1995	NUM
ajoaa-1757	77	17	)	)	PUNCT
ajoaa-1757	77	18	.	.	PUNCT
ajoaa-1757	78	1	studies	study	NOUN
ajoaa-1757	78	2	suggest	suggest	VERB
ajoaa-1757	78	3	that	that	SCONJ
ajoaa-1757	78	4	small	small	ADJ
ajoaa-1757	78	5	loans	loan	NOUN
ajoaa-1757	78	6	available	available	ADJ
ajoaa-1757	78	7	to	to	ADP
ajoaa-1757	78	8	women	woman	NOUN
ajoaa-1757	78	9	can	can	AUX
ajoaa-1757	78	10	help	help	VERB
ajoaa-1757	78	11	them	they	PRON
ajoaa-1757	78	12	invest	invest	VERB
ajoaa-1757	78	13	in	in	ADP
ajoaa-1757	78	14	income	income	NOUN
ajoaa-1757	78	15	generating	generating	NOUN
ajoaa-1757	78	16	activities	activity	NOUN
ajoaa-1757	78	17	and	and	CCONJ
ajoaa-1757	78	18	improve	improve	VERB
ajoaa-1757	78	19	upon	upon	SCONJ
ajoaa-1757	78	20	their	their	PRON
ajoaa-1757	78	21	income	income	NOUN
ajoaa-1757	78	22	.	.	PUNCT
ajoaa-1757	79	1	the	the	DET
ajoaa-1757	79	2	increase	increase	NOUN
ajoaa-1757	79	3	income	income	NOUN
ajoaa-1757	79	4	will	will	AUX
ajoaa-1757	79	5	enable	enable	VERB
ajoaa-1757	79	6	them	they	PRON
ajoaa-1757	79	7	to	to	PART
ajoaa-1757	79	8	repay	repay	VERB
ajoaa-1757	79	9	the	the	DET
ajoaa-1757	79	10	loan	loan	NOUN
ajoaa-1757	79	11	with	with	ADP
ajoaa-1757	79	12	interest	interest	NOUN
ajoaa-1757	79	13	(	(	PUNCT
ajoaa-1757	79	14	pitt	pitt	PROPN
ajoaa-1757	79	15	et	et	PROPN
ajoaa-1757	79	16	al	al	PROPN
ajoaa-1757	79	17	.	.	PROPN
ajoaa-1757	79	18	,	,	PUNCT
ajoaa-1757	79	19	2003	2003	NUM
ajoaa-1757	79	20	;	;	PUNCT
ajoaa-1757	79	21	khandker	khandker	NOUN
ajoaa-1757	79	22	,	,	PUNCT
ajoaa-1757	79	23	2005	2005	NUM
ajoaa-1757	79	24	)	)	PUNCT
ajoaa-1757	79	25	.	.	PUNCT
ajoaa-1757	80	1	it	it	PRON
ajoaa-1757	80	2	therefore	therefore	ADV
ajoaa-1757	80	3	presupposed	presuppose	VERB
ajoaa-1757	80	4	that	that	SCONJ
ajoaa-1757	80	5	gender	gender	NOUN
ajoaa-1757	80	6	is	be	AUX
ajoaa-1757	80	7	an	an	DET
ajoaa-1757	80	8	important	important	ADJ
ajoaa-1757	80	9	determinant	determinant	NOUN
ajoaa-1757	80	10	of	of	ADP
ajoaa-1757	80	11	the	the	DET
ajoaa-1757	80	12	ability	ability	NOUN
ajoaa-1757	80	13	to	to	PART
ajoaa-1757	80	14	repay	repay	VERB
ajoaa-1757	80	15	microcredit	microcredit	NOUN
ajoaa-1757	80	16	.	.	PUNCT
ajoaa-1757	81	1	while	while	SCONJ
ajoaa-1757	81	2	many	many	ADJ
ajoaa-1757	81	3	third	third	ADJ
ajoaa-1757	81	4	-	-	PUNCT
ajoaa-1757	81	5	world	world	NOUN
ajoaa-1757	81	6	microcredit	microcredit	NOUN
ajoaa-1757	81	7	borrowers	borrower	NOUN
ajoaa-1757	81	8	have	have	AUX
ajoaa-1757	81	9	been	be	AUX
ajoaa-1757	81	10	able	able	ADJ
ajoaa-1757	81	11	to	to	PART
ajoaa-1757	81	12	maintain	maintain	VERB
ajoaa-1757	81	13	high	high	ADJ
ajoaa-1757	81	14	repayment	repayment	NOUN
ajoaa-1757	81	15	rate	rate	NOUN
ajoaa-1757	81	16	despite	despite	SCONJ
ajoaa-1757	81	17	low	low	ADJ
ajoaa-1757	81	18	educational	educational	ADJ
ajoaa-1757	81	19	levels	level	NOUN
ajoaa-1757	81	20	,	,	PUNCT
ajoaa-1757	81	21	micro	micro	ADJ
ajoaa-1757	81	22	entrepreneurs	entrepreneur	NOUN
ajoaa-1757	81	23	in	in	ADP
ajoaa-1757	81	24	the	the	DET
ajoaa-1757	81	25	united	united	PROPN
ajoaa-1757	81	26	states	states	PROPN
ajoaa-1757	81	27	of	of	ADP
ajoaa-1757	81	28	america	america	PROPN
ajoaa-1757	81	29	(	(	PUNCT
ajoaa-1757	81	30	usa	usa	PROPN
ajoaa-1757	81	31	)	)	PUNCT
ajoaa-1757	81	32	are	be	AUX
ajoaa-1757	81	33	faced	face	VERB
ajoaa-1757	81	34	with	with	ADP
ajoaa-1757	81	35	different	different	ADJ
ajoaa-1757	81	36	circumstances	circumstance	NOUN
ajoaa-1757	81	37	.	.	PUNCT
ajoaa-1757	82	1	unlike	unlike	ADP
ajoaa-1757	82	2	many	many	ADJ
ajoaa-1757	82	3	developing	develop	VERB
ajoaa-1757	82	4	countries	country	NOUN
ajoaa-1757	82	5	,	,	PUNCT
ajoaa-1757	82	6	which	which	PRON
ajoaa-1757	82	7	have	have	VERB
ajoaa-1757	82	8	demand	demand	NOUN
ajoaa-1757	82	9	for	for	ADP
ajoaa-1757	82	10	products	product	NOUN
ajoaa-1757	82	11	/	/	SYM
ajoaa-1757	82	12	services	service	NOUN
ajoaa-1757	82	13	produced	produce	VERB
ajoaa-1757	82	14	by	by	ADP
ajoaa-1757	82	15	micro	micro	PROPN
ajoaa-1757	82	16	entrepreneurs	entrepreneur	NOUN
ajoaa-1757	82	17	,	,	PUNCT
ajoaa-1757	82	18	the	the	DET
ajoaa-1757	82	19	market	market	NOUN
ajoaa-1757	82	20	demand	demand	NOUN
ajoaa-1757	82	21	is	be	AUX
ajoaa-1757	82	22	high	high	ADJ
ajoaa-1757	82	23	in	in	ADP
ajoaa-1757	82	24	the	the	DET
ajoaa-1757	82	25	usa	usa	PROPN
ajoaa-1757	82	26	,	,	PUNCT
ajoaa-1757	82	27	products	product	NOUN
ajoaa-1757	82	28	and	and	CCONJ
ajoaa-1757	82	29	services	service	NOUN
ajoaa-1757	82	30	offered	offer	VERB
ajoaa-1757	82	31	by	by	ADP
ajoaa-1757	82	32	micro	micro	ADJ
ajoaa-1757	82	33	entrepreneurs	entrepreneur	NOUN
ajoaa-1757	82	34	is	be	AUX
ajoaa-1757	82	35	often	often	ADV
ajoaa-1757	82	36	quiet	quiet	ADJ
ajoaa-1757	82	37	low	low	ADJ
ajoaa-1757	82	38	.	.	PUNCT
ajoaa-1757	83	1	to	to	PART
ajoaa-1757	83	2	achieve	achieve	VERB
ajoaa-1757	83	3	high	high	ADJ
ajoaa-1757	83	4	returns	return	NOUN
ajoaa-1757	83	5	on	on	ADP
ajoaa-1757	83	6	their	their	PRON
ajoaa-1757	83	7	investments	investment	NOUN
ajoaa-1757	83	8	and	and	CCONJ
ajoaa-1757	83	9	be	be	AUX
ajoaa-1757	83	10	capable	capable	ADJ
ajoaa-1757	83	11	of	of	ADP
ajoaa-1757	83	12	repaying	repay	VERB
ajoaa-1757	83	13	loans	loan	NOUN
ajoaa-1757	83	14	,	,	PUNCT
ajoaa-1757	83	15	micro	micro	ADJ
ajoaa-1757	83	16	entrepreneurs	entrepreneur	NOUN
ajoaa-1757	83	17	in	in	ADP
ajoaa-1757	83	18	the	the	DET
ajoaa-1757	83	19	usa	usa	PROPN
ajoaa-1757	83	20	need	need	NOUN
ajoaa-1757	83	21	to	to	PART
ajoaa-1757	83	22	carved	carved	VERB
ajoaa-1757	83	23	out	out	ADP
ajoaa-1757	83	24	distinct	distinct	ADJ
ajoaa-1757	83	25	market	market	NOUN
ajoaa-1757	83	26	niches	niche	NOUN
ajoaa-1757	83	27	,	,	PUNCT
ajoaa-1757	83	28	compared	compare	VERB
ajoaa-1757	83	29	with	with	ADP
ajoaa-1757	83	30	the	the	DET
ajoaa-1757	83	31	counterpart	counterpart	NOUN
ajoaa-1757	83	32	in	in	ADP
ajoaa-1757	83	33	developing	develop	VERB
ajoaa-1757	83	34	countries	country	NOUN
ajoaa-1757	83	35	.	.	PUNCT
ajoaa-1757	84	1	borrowers	borrower	NOUN
ajoaa-1757	84	2	with	with	ADP
ajoaa-1757	84	3	higher	high	ADJ
ajoaa-1757	84	4	levels	level	NOUN
ajoaa-1757	84	5	of	of	ADP
ajoaa-1757	84	6	education	education	NOUN
ajoaa-1757	84	7	may	may	AUX
ajoaa-1757	84	8	have	have	VERB
ajoaa-1757	84	9	higher	high	ADJ
ajoaa-1757	84	10	repayment	repayment	NOUN
ajoaa-1757	84	11	rates	rate	NOUN
ajoaa-1757	84	12	because	because	SCONJ
ajoaa-1757	84	13	they	they	PRON
ajoaa-1757	84	14	can	can	AUX
ajoaa-1757	84	15	make	make	VERB
ajoaa-1757	84	16	better	well	ADJ
ajoaa-1757	84	17	investment	investment	NOUN
ajoaa-1757	84	18	decisions	decision	NOUN
ajoaa-1757	84	19	(	(	PUNCT
ajoaa-1757	84	20	bhatt	bhatt	PROPN
ajoaa-1757	84	21	et	et	PROPN
ajoaa-1757	84	22	al	al	PROPN
ajoaa-1757	84	23	.	.	PROPN
ajoaa-1757	84	24	,	,	PUNCT
ajoaa-1757	84	25	1999	1999	NUM
ajoaa-1757	84	26	)	)	PUNCT
ajoaa-1757	84	27	.	.	PUNCT
ajoaa-1757	85	1	micro	micro	NOUN
ajoaa-1757	85	2	entrepreneurs	entrepreneur	NOUN
ajoaa-1757	85	3	often	often	ADV
ajoaa-1757	85	4	use	use	VERB
ajoaa-1757	85	5	part	part	NOUN
ajoaa-1757	85	6	of	of	ADP
ajoaa-1757	85	7	the	the	DET
ajoaa-1757	85	8	loan	loan	NOUN
ajoaa-1757	85	9	acquired	acquire	VERB
ajoaa-1757	85	10	for	for	ADP
ajoaa-1757	85	11	household	household	NOUN
ajoaa-1757	85	12	needs	need	NOUN
ajoaa-1757	85	13	such	such	ADJ
ajoaa-1757	85	14	as	as	ADP
ajoaa-1757	85	15	paying	pay	VERB
ajoaa-1757	85	16	for	for	ADP
ajoaa-1757	85	17	their	their	PRON
ajoaa-1757	85	18	children	child	NOUN
ajoaa-1757	85	19	’s	’s	PART
ajoaa-1757	85	20	education	education	NOUN
ajoaa-1757	85	21	,	,	PUNCT
ajoaa-1757	85	22	medical	medical	ADJ
ajoaa-1757	85	23	bills	bill	NOUN
ajoaa-1757	85	24	,	,	PUNCT
ajoaa-1757	85	25	buying	buying	NOUN
ajoaa-1757	85	26	of	of	ADP
ajoaa-1757	85	27	food	food	NOUN
ajoaa-1757	85	28	and	and	CCONJ
ajoaa-1757	85	29	as	as	ADP
ajoaa-1757	85	30	a	a	DET
ajoaa-1757	85	31	security	security	NOUN
ajoaa-1757	85	32	for	for	ADP
ajoaa-1757	85	33	meeting	meet	VERB
ajoaa-1757	85	34	emergencies	emergency	NOUN
ajoaa-1757	85	35	or	or	CCONJ
ajoaa-1757	85	36	unexpected	unexpected	ADJ
ajoaa-1757	85	37	expenditure	expenditure	NOUN
ajoaa-1757	85	38	.	.	PUNCT
ajoaa-1757	86	1	according	accord	VERB
ajoaa-1757	86	2	to	to	ADP
ajoaa-1757	86	3	wright	wright	PROPN
ajoaa-1757	86	4	(	(	PUNCT
ajoaa-1757	86	5	2010	2010	NUM
ajoaa-1757	86	6	)	)	PUNCT
ajoaa-1757	86	7	,	,	PUNCT
ajoaa-1757	86	8	and	and	CCONJ
ajoaa-1757	86	9	mersland	mersland	PROPN
ajoaa-1757	86	10	and	and	CCONJ
ajoaa-1757	86	11	strom	strom	PROPN
ajoaa-1757	86	12	(	(	PUNCT
ajoaa-1757	86	13	2011	2011	NUM
ajoaa-1757	86	14	)	)	PUNCT
ajoaa-1757	86	15	,	,	PUNCT
ajoaa-1757	86	16	microcredit	microcredit	NOUN
ajoaa-1757	86	17	clients	client	NOUN
ajoaa-1757	86	18	are	be	AUX
ajoaa-1757	86	19	risk	risk	NOUN
ajoaa-1757	86	20	-	-	PUNCT
ajoaa-1757	86	21	averse	averse	ADJ
ajoaa-1757	86	22	and	and	CCONJ
ajoaa-1757	86	23	do	do	AUX
ajoaa-1757	86	24	not	not	PART
ajoaa-1757	86	25	invest	invest	VERB
ajoaa-1757	86	26	their	their	PRON
ajoaa-1757	86	27	loan	loan	NOUN
ajoaa-1757	86	28	into	into	ADP
ajoaa-1757	86	29	one	one	NUM
ajoaa-1757	86	30	enterprise	enterprise	NOUN
ajoaa-1757	86	31	.	.	PUNCT
ajoaa-1757	87	1	other	other	ADJ
ajoaa-1757	87	2	studies	study	NOUN
ajoaa-1757	87	3	that	that	PRON
ajoaa-1757	87	4	have	have	AUX
ajoaa-1757	87	5	alluded	allude	VERB
ajoaa-1757	87	6	to	to	ADP
ajoaa-1757	87	7	microcredit	microcredit	NOUN
ajoaa-1757	87	8	clients	client	NOUN
ajoaa-1757	87	9	using	use	VERB
ajoaa-1757	87	10	loan	loan	NOUN
ajoaa-1757	87	11	for	for	ADP
ajoaa-1757	87	12	other	other	ADJ
ajoaa-1757	87	13	non	non	ADJ
ajoaa-1757	87	14	-	-	ADJ
ajoaa-1757	87	15	income	income	ADJ
ajoaa-1757	87	16	generating	generating	NOUN
ajoaa-1757	87	17	activities	activity	NOUN
ajoaa-1757	87	18	include	include	VERB
ajoaa-1757	87	19	littlefield	littlefield	PROPN
ajoaa-1757	87	20	et	et	PROPN
ajoaa-1757	87	21	al	al	PROPN
ajoaa-1757	87	22	.	.	PROPN
ajoaa-1757	88	1	(	(	PUNCT
ajoaa-1757	88	2	2003	2003	NUM
ajoaa-1757	88	3	)	)	PUNCT
ajoaa-1757	88	4	,	,	PUNCT
ajoaa-1757	88	5	alexander	alexander	NOUN
ajoaa-1757	88	6	(	(	PUNCT
ajoaa-1757	88	7	2006	2006	NUM
ajoaa-1757	88	8	)	)	PUNCT
ajoaa-1757	88	9	,	,	PUNCT
ajoaa-1757	88	10	and	and	CCONJ
ajoaa-1757	88	11	mersland	mersland	PROPN
ajoaa-1757	88	12	and	and	CCONJ
ajoaa-1757	88	13	strom	strom	PROPN
ajoaa-1757	88	14	(	(	PUNCT
ajoaa-1757	88	15	2011	2011	NUM
ajoaa-1757	88	16	)	)	PUNCT
ajoaa-1757	88	17	.	.	PUNCT
ajoaa-1757	89	1	loan	loan	NOUN
ajoaa-1757	89	2	borrowers	borrower	NOUN
ajoaa-1757	89	3	may	may	AUX
ajoaa-1757	89	4	use	use	VERB
ajoaa-1757	89	5	cash	cash	NOUN
ajoaa-1757	89	6	inflow	inflow	NOUN
ajoaa-1757	89	7	from	from	ADP
ajoaa-1757	89	8	non	non	ADJ
ajoaa-1757	89	9	-	-	ADJ
ajoaa-1757	89	10	farming	farming	ADJ
ajoaa-1757	89	11	activities	activity	NOUN
ajoaa-1757	89	12	such	such	ADJ
ajoaa-1757	89	13	as	as	ADP
ajoaa-1757	89	14	money	money	NOUN
ajoaa-1757	89	15	from	from	ADP
ajoaa-1757	89	16	friends	friend	NOUN
ajoaa-1757	89	17	,	,	PUNCT
ajoaa-1757	89	18	family	family	NOUN
ajoaa-1757	89	19	members	member	NOUN
ajoaa-1757	89	20	to	to	PART
ajoaa-1757	89	21	make	make	VERB
ajoaa-1757	89	22	loan	loan	NOUN
ajoaa-1757	89	23	repayments	repayment	NOUN
ajoaa-1757	89	24	.	.	PUNCT
ajoaa-1757	90	1	thus	thus	ADV
ajoaa-1757	90	2	borrowers	borrower	NOUN
ajoaa-1757	90	3	with	with	ADP
ajoaa-1757	90	4	higher	high	ADJ
ajoaa-1757	90	5	household	household	NOUN
ajoaa-1757	90	6	income	income	NOUN
ajoaa-1757	90	7	from	from	ADP
ajoaa-1757	90	8	non	non	ADJ
ajoaa-1757	90	9	-	-	ADJ
ajoaa-1757	90	10	farming	farming	ADJ
ajoaa-1757	90	11	activities	activity	NOUN
ajoaa-1757	90	12	may	may	AUX
ajoaa-1757	90	13	have	have	VERB
ajoaa-1757	90	14	a	a	DET
ajoaa-1757	90	15	higher	high	ADJ
ajoaa-1757	90	16	chance	chance	NOUN
ajoaa-1757	90	17	of	of	ADP
ajoaa-1757	90	18	repaying	repay	VERB
ajoaa-1757	90	19	their	their	PRON
ajoaa-1757	90	20	credit	credit	NOUN
ajoaa-1757	90	21	.	.	PUNCT
ajoaa-1757	91	1	farmers	farmer	NOUN
ajoaa-1757	91	2	who	who	PRON
ajoaa-1757	91	3	have	have	AUX
ajoaa-1757	91	4	been	be	AUX
ajoaa-1757	91	5	in	in	ADP
ajoaa-1757	91	6	farming	farming	NOUN
ajoaa-1757	91	7	longer	long	ADV
ajoaa-1757	91	8	are	be	AUX
ajoaa-1757	91	9	expected	expect	VERB
ajoaa-1757	91	10	to	to	PART
ajoaa-1757	91	11	have	have	VERB
ajoaa-1757	91	12	more	more	ADV
ajoaa-1757	91	13	stable	stable	ADJ
ajoaa-1757	91	14	sales	sale	NOUN
ajoaa-1757	91	15	and	and	CCONJ
ajoaa-1757	91	16	cash	cash	NOUN
ajoaa-1757	91	17	flow	flow	NOUN
ajoaa-1757	91	18	than	than	ADP
ajoaa-1757	91	19	those	those	PRON
ajoaa-1757	91	20	who	who	PRON
ajoaa-1757	91	21	have	have	AUX
ajoaa-1757	91	22	just	just	ADV
ajoaa-1757	91	23	started	start	VERB
ajoaa-1757	91	24	.	.	PUNCT
ajoaa-1757	92	1	thus	thus	ADV
ajoaa-1757	92	2	those	those	PRON
ajoaa-1757	92	3	who	who	PRON
ajoaa-1757	92	4	have	have	AUX
ajoaa-1757	92	5	been	be	AUX
ajoaa-1757	92	6	in	in	ADP
ajoaa-1757	92	7	farming	farming	NOUN
ajoaa-1757	92	8	for	for	ADP
ajoaa-1757	92	9	a	a	DET
ajoaa-1757	92	10	long	long	ADJ
ajoaa-1757	92	11	period	period	NOUN
ajoaa-1757	92	12	may	may	AUX
ajoaa-1757	92	13	have	have	VERB
ajoaa-1757	92	14	a	a	DET
ajoaa-1757	92	15	higher	high	ADJ
ajoaa-1757	92	16	tendency	tendency	NOUN
ajoaa-1757	92	17	to	to	PART
ajoaa-1757	92	18	repay	repay	VERB
ajoaa-1757	92	19	the	the	DET
ajoaa-1757	92	20	credit	credit	NOUN
ajoaa-1757	92	21	facility	facility	NOUN
ajoaa-1757	92	22	(	(	PUNCT
ajoaa-1757	92	23	bhatt	bhatt	NOUN
ajoaa-1757	92	24	and	and	CCONJ
ajoaa-1757	92	25	tang	tang	PROPN
ajoaa-1757	92	26	,	,	PUNCT
ajoaa-1757	92	27	2002	2002	NUM
ajoaa-1757	92	28	)	)	PUNCT
ajoaa-1757	92	29	.	.	PUNCT
ajoaa-1757	93	1	if	if	SCONJ
ajoaa-1757	93	2	a	a	DET
ajoaa-1757	93	3	farmer	farmer	NOUN
ajoaa-1757	93	4	’s	’s	PART
ajoaa-1757	93	5	farm	farm	NOUN
ajoaa-1757	93	6	or	or	CCONJ
ajoaa-1757	93	7	residence	residence	NOUN
ajoaa-1757	93	8	is	be	AUX
ajoaa-1757	93	9	close	close	ADJ
ajoaa-1757	93	10	to	to	ADP
ajoaa-1757	93	11	the	the	DET
ajoaa-1757	93	12	lender	lender	NOUN
ajoaa-1757	93	13	it	it	PRON
ajoaa-1757	93	14	is	be	AUX
ajoaa-1757	93	15	easier	easy	ADJ
ajoaa-1757	93	16	for	for	SCONJ
ajoaa-1757	93	17	the	the	DET
ajoaa-1757	93	18	lender	lender	NOUN
ajoaa-1757	93	19	to	to	PART
ajoaa-1757	93	20	get	get	VERB
ajoaa-1757	93	21	information	information	NOUN
ajoaa-1757	93	22	to	to	ADP
ajoaa-1757	93	23	the	the	DET
ajoaa-1757	93	24	borrower	borrower	NOUN
ajoaa-1757	93	25	and	and	CCONJ
ajoaa-1757	93	26	to	to	PART
ajoaa-1757	93	27	provide	provide	VERB
ajoaa-1757	93	28	him	he	PRON
ajoaa-1757	93	29	/	/	SYM
ajoaa-1757	93	30	her	she	PRON
ajoaa-1757	93	31	with	with	ADP
ajoaa-1757	93	32	relevant	relevant	ADJ
ajoaa-1757	93	33	technical	technical	ADJ
ajoaa-1757	93	34	or	or	CCONJ
ajoaa-1757	93	35	business	business	NOUN
ajoaa-1757	93	36	advice	advice	NOUN
ajoaa-1757	93	37	.	.	PUNCT
ajoaa-1757	94	1	thus	thus	ADV
ajoaa-1757	94	2	borrowers	borrower	NOUN
ajoaa-1757	94	3	with	with	ADP
ajoaa-1757	94	4	farms	farm	NOUN
ajoaa-1757	94	5	or	or	CCONJ
ajoaa-1757	94	6	residence	residence	NOUN
ajoaa-1757	94	7	closer	close	ADV
ajoaa-1757	94	8	to	to	ADP
ajoaa-1757	94	9	the	the	DET
ajoaa-1757	94	10	lending	lending	NOUN
ajoaa-1757	94	11	agency	agency	NOUN
ajoaa-1757	94	12	may	may	AUX
ajoaa-1757	94	13	have	have	VERB
ajoaa-1757	94	14	higher	high	ADJ
ajoaa-1757	94	15	repayment	repayment	NOUN
ajoaa-1757	94	16	rate	rate	NOUN
ajoaa-1757	94	17	(	(	PUNCT
ajoaa-1757	94	18	ibid	ibid	NOUN
ajoaa-1757	94	19	)	)	PUNCT
ajoaa-1757	94	20	to	to	PART
ajoaa-1757	94	21	access	access	NOUN
ajoaa-1757	94	22	loan	loan	NOUN
ajoaa-1757	94	23	,	,	PUNCT
ajoaa-1757	94	24	borrowers	borrower	NOUN
ajoaa-1757	94	25	may	may	AUX
ajoaa-1757	94	26	incur	incur	VERB
ajoaa-1757	94	27	various	various	ADJ
ajoaa-1757	94	28	types	type	NOUN
ajoaa-1757	94	29	of	of	ADP
ajoaa-1757	94	30	transaction	transaction	NOUN
ajoaa-1757	94	31	costs	cost	NOUN
ajoaa-1757	94	32	(	(	PUNCT
ajoaa-1757	94	33	bhatt	bhatt	NOUN
ajoaa-1757	94	34	and	and	CCONJ
ajoaa-1757	94	35	tang	tang	PROPN
ajoaa-1757	94	36	,	,	PUNCT
ajoaa-1757	94	37	1998	1998	NUM
ajoaa-1757	94	38	)	)	PUNCT
ajoaa-1757	94	39	.	.	PUNCT
ajoaa-1757	95	1	borrowers	borrower	NOUN
ajoaa-1757	95	2	may	may	AUX
ajoaa-1757	95	3	be	be	AUX
ajoaa-1757	95	4	less	less	ADV
ajoaa-1757	95	5	able	able	ADJ
ajoaa-1757	95	6	and	and	CCONJ
ajoaa-1757	95	7	motivated	motivated	ADJ
ajoaa-1757	95	8	to	to	PART
ajoaa-1757	95	9	repay	repay	VERB
ajoaa-1757	95	10	if	if	SCONJ
ajoaa-1757	95	11	they	they	PRON
ajoaa-1757	95	12	have	have	VERB
ajoaa-1757	95	13	to	to	PART
ajoaa-1757	95	14	bear	bear	VERB
ajoaa-1757	95	15	excessive	excessive	ADJ
ajoaa-1757	95	16	transaction	transaction	NOUN
ajoaa-1757	95	17	costs	cost	NOUN
ajoaa-1757	95	18	due	due	ADJ
ajoaa-1757	95	19	to	to	ADP
ajoaa-1757	95	20	complicated	complicated	ADJ
ajoaa-1757	95	21	loan	loan	NOUN
ajoaa-1757	95	22	application	application	NOUN
ajoaa-1757	95	23	and	and	CCONJ
ajoaa-1757	95	24	repayment	repayment	NOUN
ajoaa-1757	95	25	procedure	procedure	NOUN
ajoaa-1757	95	26	or	or	CCONJ
ajoaa-1757	95	27	due	due	ADJ
ajoaa-1757	95	28	to	to	ADP
ajoaa-1757	95	29	inefficiencies	inefficiency	NOUN
ajoaa-1757	95	30	in	in	ADP
ajoaa-1757	95	31	the	the	DET
ajoaa-1757	95	32	lender	lender	NOUN
ajoaa-1757	95	33	delivery	delivery	NOUN
ajoaa-1757	95	34	system	system	NOUN
ajoaa-1757	95	35	,	,	PUNCT
ajoaa-1757	95	36	such	such	ADJ
ajoaa-1757	95	37	as	as	ADP
ajoaa-1757	95	38	missed	miss	VERB
ajoaa-1757	95	39	investment	investment	NOUN
ajoaa-1757	95	40	opportunities	opportunity	NOUN
ajoaa-1757	95	41	because	because	SCONJ
ajoaa-1757	95	42	of	of	ADP
ajoaa-1757	95	43	delay	delay	NOUN
ajoaa-1757	95	44	in	in	ADP
ajoaa-1757	95	45	loan	loan	NOUN
ajoaa-1757	95	46	disbursement	disbursement	NOUN
ajoaa-1757	95	47	.	.	PUNCT
ajoaa-1757	96	1	in	in	ADP
ajoaa-1757	96	2	such	such	DET
ajoaa-1757	96	3	a	a	DET
ajoaa-1757	96	4	case	case	NOUN
ajoaa-1757	96	5	if	if	SCONJ
ajoaa-1757	96	6	a	a	DET
ajoaa-1757	96	7	farmer	farmer	NOUN
ajoaa-1757	96	8	received	receive	VERB
ajoaa-1757	96	9	the	the	DET
ajoaa-1757	96	10	credit	credit	NOUN
ajoaa-1757	96	11	late	late	ADV
ajoaa-1757	96	12	in	in	ADP
ajoaa-1757	96	13	the	the	DET
ajoaa-1757	96	14	farming	farming	NOUN
ajoaa-1757	96	15	season	season	NOUN
ajoaa-1757	96	16	he	he	PRON
ajoaa-1757	96	17	/	/	PUNCT
ajoaa-1757	97	1	she	she	PRON
ajoaa-1757	97	2	may	may	AUX
ajoaa-1757	97	3	use	use	VERB
ajoaa-1757	97	4	it	it	PRON
ajoaa-1757	97	5	on	on	ADP
ajoaa-1757	97	6	unplanned	unplanned	ADJ
ajoaa-1757	97	7	activities	activity	NOUN
ajoaa-1757	97	8	resulting	result	VERB
ajoaa-1757	97	9	in	in	ADP
ajoaa-1757	97	10	debt	debt	NOUN
ajoaa-1757	97	11	.	.	PUNCT
ajoaa-1757	98	1	asian	asian	ADJ
ajoaa-1757	98	2	journal	journal	PROPN
ajoaa-1757	98	3	of	of	ADP
ajoaa-1757	98	4	agriculture	agriculture	NOUN
ajoaa-1757	98	5	and	and	CCONJ
ajoaa-1757	98	6	rural	rural	ADJ
ajoaa-1757	98	7	development	development	NOUN
ajoaa-1757	98	8	,	,	PUNCT
ajoaa-1757	98	9	8(2)2018	8(2)2018	NUM
ajoaa-1757	98	10	:	:	PUNCT
ajoaa-1757	98	11	74	74	NUM
ajoaa-1757	98	12	-	-	SYM
ajoaa-1757	98	13	91	91	NUM
ajoaa-1757	98	14	78	78	NUM
ajoaa-1757	98	15	members	member	NOUN
ajoaa-1757	98	16	of	of	ADP
ajoaa-1757	98	17	a	a	DET
ajoaa-1757	98	18	group	group	NOUN
ajoaa-1757	98	19	can	can	AUX
ajoaa-1757	98	20	bring	bring	VERB
ajoaa-1757	98	21	pressure	pressure	NOUN
ajoaa-1757	98	22	to	to	PART
ajoaa-1757	98	23	bear	bear	VERB
ajoaa-1757	98	24	on	on	ADP
ajoaa-1757	98	25	individuals	individual	NOUN
ajoaa-1757	98	26	to	to	PART
ajoaa-1757	98	27	repay	repay	VERB
ajoaa-1757	98	28	their	their	PRON
ajoaa-1757	98	29	loans	loan	NOUN
ajoaa-1757	98	30	in	in	ADP
ajoaa-1757	98	31	order	order	NOUN
ajoaa-1757	98	32	to	to	PART
ajoaa-1757	98	33	protect	protect	VERB
ajoaa-1757	98	34	the	the	DET
ajoaa-1757	98	35	integrity	integrity	NOUN
ajoaa-1757	98	36	of	of	ADP
ajoaa-1757	98	37	the	the	DET
ajoaa-1757	98	38	group	group	NOUN
ajoaa-1757	98	39	to	to	PART
ajoaa-1757	98	40	enable	enable	VERB
ajoaa-1757	98	41	the	the	DET
ajoaa-1757	98	42	group	group	NOUN
ajoaa-1757	98	43	to	to	PART
ajoaa-1757	98	44	access	access	VERB
ajoaa-1757	98	45	future	future	ADJ
ajoaa-1757	98	46	credit	credit	NOUN
ajoaa-1757	98	47	facility	facility	NOUN
ajoaa-1757	98	48	.	.	PUNCT
ajoaa-1757	99	1	group	group	NOUN
ajoaa-1757	99	2	members	member	NOUN
ajoaa-1757	99	3	can	can	AUX
ajoaa-1757	99	4	also	also	ADV
ajoaa-1757	99	5	check	check	VERB
ajoaa-1757	99	6	their	their	PRON
ajoaa-1757	99	7	peers	peer	NOUN
ajoaa-1757	99	8	to	to	PART
ajoaa-1757	99	9	ensure	ensure	VERB
ajoaa-1757	99	10	that	that	SCONJ
ajoaa-1757	99	11	they	they	PRON
ajoaa-1757	99	12	are	be	AUX
ajoaa-1757	99	13	not	not	PART
ajoaa-1757	99	14	engaged	engage	VERB
ajoaa-1757	99	15	in	in	ADP
ajoaa-1757	99	16	activities	activity	NOUN
ajoaa-1757	99	17	that	that	PRON
ajoaa-1757	99	18	will	will	AUX
ajoaa-1757	99	19	threaten	threaten	VERB
ajoaa-1757	99	20	loan	loan	NOUN
ajoaa-1757	99	21	repayment	repayment	NOUN
ajoaa-1757	99	22	.	.	PUNCT
ajoaa-1757	100	1	thus	thus	ADV
ajoaa-1757	100	2	,	,	PUNCT
ajoaa-1757	100	3	farmers	farmer	NOUN
ajoaa-1757	100	4	who	who	PRON
ajoaa-1757	100	5	are	be	AUX
ajoaa-1757	100	6	members	member	NOUN
ajoaa-1757	100	7	of	of	ADP
ajoaa-1757	100	8	a	a	DET
ajoaa-1757	100	9	group	group	NOUN
ajoaa-1757	100	10	/	/	SYM
ajoaa-1757	100	11	fbo	fbo	PROPN
ajoaa-1757	100	12	may	may	AUX
ajoaa-1757	100	13	have	have	VERB
ajoaa-1757	100	14	a	a	DET
ajoaa-1757	100	15	higher	high	ADJ
ajoaa-1757	100	16	tendency	tendency	NOUN
ajoaa-1757	100	17	of	of	ADP
ajoaa-1757	100	18	repaying	repay	VERB
ajoaa-1757	100	19	the	the	DET
ajoaa-1757	100	20	credit	credit	NOUN
ajoaa-1757	100	21	facility	facility	NOUN
ajoaa-1757	100	22	advanced	advanced	ADJ
ajoaa-1757	100	23	to	to	ADP
ajoaa-1757	100	24	them	they	PRON
ajoaa-1757	100	25	(	(	PUNCT
ajoaa-1757	100	26	varian	varian	PROPN
ajoaa-1757	100	27	,	,	PUNCT
ajoaa-1757	100	28	2010	2010	NUM
ajoaa-1757	100	29	)	)	PUNCT
ajoaa-1757	100	30	.	.	PUNCT
ajoaa-1757	101	1	as	as	SCONJ
ajoaa-1757	101	2	demonstrated	demonstrate	VERB
ajoaa-1757	101	3	empirically	empirically	ADV
ajoaa-1757	101	4	by	by	ADP
ajoaa-1757	101	5	besley	besley	NOUN
ajoaa-1757	101	6	and	and	CCONJ
ajoaa-1757	101	7	coate	coate	NOUN
ajoaa-1757	101	8	(	(	PUNCT
ajoaa-1757	101	9	1995	1995	NUM
ajoaa-1757	101	10	)	)	PUNCT
ajoaa-1757	101	11	,	,	PUNCT
ajoaa-1757	101	12	social	social	ADJ
ajoaa-1757	101	13	sanctions	sanction	NOUN
ajoaa-1757	101	14	in	in	ADP
ajoaa-1757	101	15	grouped	group	VERB
ajoaa-1757	101	16	-	-	PUNCT
ajoaa-1757	101	17	based	base	VERB
ajoaa-1757	101	18	lending	lending	NOUN
ajoaa-1757	101	19	can	can	AUX
ajoaa-1757	101	20	lead	lead	VERB
ajoaa-1757	101	21	to	to	ADP
ajoaa-1757	101	22	increased	increase	VERB
ajoaa-1757	101	23	repayment	repayment	NOUN
ajoaa-1757	101	24	rate	rate	NOUN
ajoaa-1757	101	25	.	.	PUNCT
ajoaa-1757	102	1	field	field	NOUN
ajoaa-1757	102	2	studies	study	NOUN
ajoaa-1757	102	3	in	in	ADP
ajoaa-1757	102	4	burkina	burkina	PROPN
ajoaa-1757	102	5	faso	faso	PROPN
ajoaa-1757	102	6	further	far	ADV
ajoaa-1757	102	7	indicated	indicate	VERB
ajoaa-1757	102	8	repayments	repayment	NOUN
ajoaa-1757	102	9	are	be	AUX
ajoaa-1757	102	10	high	high	ADJ
ajoaa-1757	102	11	when	when	SCONJ
ajoaa-1757	102	12	threat	threat	NOUN
ajoaa-1757	102	13	of	of	ADP
ajoaa-1757	102	14	ex	ex	PUNCT
ajoaa-1757	102	15	post	post	NOUN
ajoaa-1757	102	16	pressure	pressure	NOUN
ajoaa-1757	102	17	is	be	AUX
ajoaa-1757	102	18	carried	carry	VERB
ajoaa-1757	102	19	to	to	ADP
ajoaa-1757	102	20	the	the	DET
ajoaa-1757	102	21	extreme	extreme	NOUN
ajoaa-1757	102	22	,	,	PUNCT
ajoaa-1757	102	23	and	and	CCONJ
ajoaa-1757	102	24	has	have	AUX
ajoaa-1757	102	25	even	even	ADV
ajoaa-1757	102	26	resulted	result	VERB
ajoaa-1757	102	27	in	in	ADP
ajoaa-1757	102	28	the	the	DET
ajoaa-1757	102	29	forced	force	VERB
ajoaa-1757	102	30	sales	sale	NOUN
ajoaa-1757	102	31	of	of	ADP
ajoaa-1757	102	32	household	household	NOUN
ajoaa-1757	102	33	items	item	NOUN
ajoaa-1757	102	34	in	in	ADP
ajoaa-1757	102	35	order	order	NOUN
ajoaa-1757	102	36	to	to	PART
ajoaa-1757	102	37	recover	recover	VERB
ajoaa-1757	102	38	the	the	DET
ajoaa-1757	102	39	loan	loan	NOUN
ajoaa-1757	102	40	amount	amount	NOUN
ajoaa-1757	102	41	.	.	PUNCT
ajoaa-1757	103	1	in	in	ADP
ajoaa-1757	103	2	the	the	DET
ajoaa-1757	103	3	absence	absence	NOUN
ajoaa-1757	103	4	of	of	ADP
ajoaa-1757	103	5	peer	peer	NOUN
ajoaa-1757	103	6	monitoring	monitoring	NOUN
ajoaa-1757	103	7	,	,	PUNCT
ajoaa-1757	103	8	peer	peer	NOUN
ajoaa-1757	103	9	pressure	pressure	NOUN
ajoaa-1757	103	10	in	in	ADP
ajoaa-1757	103	11	the	the	DET
ajoaa-1757	103	12	form	form	NOUN
ajoaa-1757	103	13	of	of	ADP
ajoaa-1757	103	14	verbal	verbal	ADJ
ajoaa-1757	103	15	abuse	abuse	NOUN
ajoaa-1757	103	16	,	,	PUNCT
ajoaa-1757	103	17	ostracism	ostracism	NOUN
ajoaa-1757	103	18	and	and	CCONJ
ajoaa-1757	103	19	sanctions	sanction	NOUN
ajoaa-1757	103	20	were	be	AUX
ajoaa-1757	103	21	the	the	DET
ajoaa-1757	103	22	strategies	strategy	NOUN
ajoaa-1757	103	23	to	to	PART
ajoaa-1757	103	24	ensure	ensure	VERB
ajoaa-1757	103	25	loan	loan	NOUN
ajoaa-1757	103	26	repayment	repayment	NOUN
ajoaa-1757	103	27	(	(	PUNCT
ajoaa-1757	103	28	giné	giné	NOUN
ajoaa-1757	103	29	,	,	PUNCT
ajoaa-1757	103	30	2010	2010	NUM
ajoaa-1757	103	31	;	;	PUNCT
ajoaa-1757	103	32	jeffrey	jeffrey	PROPN
ajoaa-1757	103	33	and	and	CCONJ
ajoaa-1757	103	34	tyler	tyler	PROPN
ajoaa-1757	103	35	,	,	PUNCT
ajoaa-1757	103	36	2010	2010	NUM
ajoaa-1757	103	37	)	)	PUNCT
ajoaa-1757	103	38	.	.	PUNCT
ajoaa-1757	104	1	borrowers	borrower	NOUN
ajoaa-1757	104	2	usually	usually	ADV
ajoaa-1757	104	3	repay	repay	VERB
ajoaa-1757	104	4	their	their	PRON
ajoaa-1757	104	5	credit	credit	NOUN
ajoaa-1757	104	6	from	from	ADP
ajoaa-1757	104	7	incomes	income	NOUN
ajoaa-1757	104	8	that	that	PRON
ajoaa-1757	104	9	accrue	accrue	VERB
ajoaa-1757	104	10	from	from	ADP
ajoaa-1757	104	11	investment	investment	NOUN
ajoaa-1757	104	12	of	of	ADP
ajoaa-1757	104	13	their	their	PRON
ajoaa-1757	104	14	credit	credit	NOUN
ajoaa-1757	104	15	in	in	ADP
ajoaa-1757	104	16	income	income	NOUN
ajoaa-1757	104	17	-	-	PUNCT
ajoaa-1757	104	18	generating	generate	VERB
ajoaa-1757	104	19	activities	activity	NOUN
ajoaa-1757	104	20	.	.	PUNCT
ajoaa-1757	105	1	whiles	while	NOUN
ajoaa-1757	105	2	income	income	NOUN
ajoaa-1757	105	3	from	from	ADP
ajoaa-1757	105	4	non	non	ADJ
ajoaa-1757	105	5	-	-	ADJ
ajoaa-1757	105	6	farming	farming	ADJ
ajoaa-1757	105	7	can	can	AUX
ajoaa-1757	105	8	also	also	ADV
ajoaa-1757	105	9	help	help	VERB
ajoaa-1757	105	10	the	the	DET
ajoaa-1757	105	11	borrower	borrower	NOUN
ajoaa-1757	105	12	to	to	PART
ajoaa-1757	105	13	repay	repay	VERB
ajoaa-1757	105	14	the	the	DET
ajoaa-1757	105	15	credit	credit	NOUN
ajoaa-1757	105	16	,	,	PUNCT
ajoaa-1757	105	17	yeboah	yeboah	NOUN
ajoaa-1757	105	18	(	(	PUNCT
ajoaa-1757	105	19	2010	2010	NUM
ajoaa-1757	105	20	)	)	PUNCT
ajoaa-1757	105	21	argued	argue	VERB
ajoaa-1757	105	22	that	that	SCONJ
ajoaa-1757	105	23	the	the	DET
ajoaa-1757	105	24	proceeds	proceed	NOUN
ajoaa-1757	105	25	from	from	ADP
ajoaa-1757	105	26	the	the	DET
ajoaa-1757	105	27	farming	farming	NOUN
ajoaa-1757	105	28	activities	activity	NOUN
ajoaa-1757	105	29	as	as	ADP
ajoaa-1757	105	30	a	a	DET
ajoaa-1757	105	31	result	result	NOUN
ajoaa-1757	105	32	of	of	ADP
ajoaa-1757	105	33	the	the	DET
ajoaa-1757	105	34	use	use	NOUN
ajoaa-1757	105	35	of	of	ADP
ajoaa-1757	105	36	the	the	DET
ajoaa-1757	105	37	credit	credit	NOUN
ajoaa-1757	105	38	is	be	AUX
ajoaa-1757	105	39	the	the	DET
ajoaa-1757	105	40	main	main	ADJ
ajoaa-1757	105	41	source	source	NOUN
ajoaa-1757	105	42	of	of	ADP
ajoaa-1757	105	43	funds	fund	NOUN
ajoaa-1757	105	44	for	for	ADP
ajoaa-1757	105	45	repayment	repayment	NOUN
ajoaa-1757	105	46	.	.	PUNCT
ajoaa-1757	106	1	roslan	roslan	PROPN
ajoaa-1757	106	2	and	and	CCONJ
ajoaa-1757	106	3	mohd	mohd	NOUN
ajoaa-1757	106	4	-	-	PUNCT
ajoaa-1757	106	5	zaini	zaini	NOUN
ajoaa-1757	106	6	(	(	PUNCT
ajoaa-1757	106	7	2009	2009	NUM
ajoaa-1757	106	8	)	)	PUNCT
ajoaa-1757	106	9	suggested	suggest	VERB
ajoaa-1757	106	10	the	the	DET
ajoaa-1757	106	11	amount	amount	NOUN
ajoaa-1757	106	12	of	of	ADP
ajoaa-1757	106	13	credit	credit	NOUN
ajoaa-1757	106	14	received	receive	VERB
ajoaa-1757	106	15	by	by	ADP
ajoaa-1757	106	16	beneficiaries	beneficiary	NOUN
ajoaa-1757	106	17	influences	influence	VERB
ajoaa-1757	106	18	their	their	PRON
ajoaa-1757	106	19	ability	ability	NOUN
ajoaa-1757	106	20	to	to	PART
ajoaa-1757	106	21	repay	repay	VERB
ajoaa-1757	106	22	.	.	PUNCT
ajoaa-1757	107	1	where	where	SCONJ
ajoaa-1757	107	2	credit	credit	NOUN
ajoaa-1757	107	3	is	be	AUX
ajoaa-1757	107	4	inadequate	inadequate	ADJ
ajoaa-1757	107	5	farmers	farmer	NOUN
ajoaa-1757	107	6	are	be	AUX
ajoaa-1757	107	7	unable	unable	ADJ
ajoaa-1757	107	8	to	to	PART
ajoaa-1757	107	9	purchase	purchase	VERB
ajoaa-1757	107	10	the	the	DET
ajoaa-1757	107	11	needed	need	VERB
ajoaa-1757	107	12	inputs	input	NOUN
ajoaa-1757	107	13	to	to	PART
ajoaa-1757	107	14	increase	increase	VERB
ajoaa-1757	107	15	their	their	PRON
ajoaa-1757	107	16	output	output	NOUN
ajoaa-1757	107	17	hence	hence	ADV
ajoaa-1757	107	18	a	a	DET
ajoaa-1757	107	19	low	low	ADJ
ajoaa-1757	107	20	rate	rate	NOUN
ajoaa-1757	107	21	of	of	ADP
ajoaa-1757	107	22	repayment	repayment	NOUN
ajoaa-1757	107	23	.	.	PUNCT
ajoaa-1757	108	1	on	on	ADP
ajoaa-1757	108	2	the	the	DET
ajoaa-1757	108	3	other	other	ADJ
ajoaa-1757	108	4	hand	hand	NOUN
ajoaa-1757	108	5	if	if	SCONJ
ajoaa-1757	108	6	the	the	DET
ajoaa-1757	108	7	credit	credit	NOUN
ajoaa-1757	108	8	amount	amount	NOUN
ajoaa-1757	108	9	is	be	AUX
ajoaa-1757	108	10	more	more	ADJ
ajoaa-1757	108	11	than	than	SCONJ
ajoaa-1757	108	12	needed	need	VERB
ajoaa-1757	108	13	by	by	ADP
ajoaa-1757	108	14	borrower	borrower	NOUN
ajoaa-1757	108	15	there	there	PRON
ajoaa-1757	108	16	is	be	VERB
ajoaa-1757	108	17	tendency	tendency	NOUN
ajoaa-1757	108	18	of	of	ADP
ajoaa-1757	108	19	misuse	misuse	NOUN
ajoaa-1757	108	20	,	,	PUNCT
ajoaa-1757	108	21	resulting	result	VERB
ajoaa-1757	108	22	in	in	ADP
ajoaa-1757	108	23	debt	debt	NOUN
ajoaa-1757	108	24	and	and	CCONJ
ajoaa-1757	108	25	poor	poor	ADJ
ajoaa-1757	108	26	repayment	repayment	NOUN
ajoaa-1757	108	27	.	.	PUNCT
ajoaa-1757	109	1	it	it	PRON
ajoaa-1757	109	2	is	be	AUX
ajoaa-1757	109	3	argued	argue	VERB
ajoaa-1757	109	4	that	that	SCONJ
ajoaa-1757	109	5	where	where	SCONJ
ajoaa-1757	109	6	borrowers	borrower	NOUN
ajoaa-1757	109	7	are	be	AUX
ajoaa-1757	109	8	trained	train	VERB
ajoaa-1757	109	9	on	on	ADP
ajoaa-1757	109	10	the	the	DET
ajoaa-1757	109	11	use	use	NOUN
ajoaa-1757	109	12	of	of	ADP
ajoaa-1757	109	13	credit	credit	NOUN
ajoaa-1757	109	14	there	there	PRON
ajoaa-1757	109	15	is	be	VERB
ajoaa-1757	109	16	efficient	efficient	ADJ
ajoaa-1757	109	17	use	use	NOUN
ajoaa-1757	109	18	of	of	ADP
ajoaa-1757	109	19	the	the	DET
ajoaa-1757	109	20	funds	fund	NOUN
ajoaa-1757	109	21	.	.	PUNCT
ajoaa-1757	110	1	this	this	PRON
ajoaa-1757	110	2	will	will	AUX
ajoaa-1757	110	3	result	result	VERB
ajoaa-1757	110	4	in	in	ADP
ajoaa-1757	110	5	increased	increase	VERB
ajoaa-1757	110	6	yield	yield	NOUN
ajoaa-1757	110	7	and	and	CCONJ
ajoaa-1757	110	8	for	for	ADP
ajoaa-1757	110	9	that	that	DET
ajoaa-1757	110	10	matter	matter	NOUN
ajoaa-1757	110	11	income	income	NOUN
ajoaa-1757	110	12	,	,	PUNCT
ajoaa-1757	110	13	ceteris	ceteris	NOUN
ajoaa-1757	110	14	paribus	paribus	NOUN
ajoaa-1757	110	15	.	.	PUNCT
ajoaa-1757	111	1	the	the	DET
ajoaa-1757	111	2	increase	increase	NOUN
ajoaa-1757	111	3	in	in	ADP
ajoaa-1757	111	4	revenue	revenue	NOUN
ajoaa-1757	111	5	and	and	CCONJ
ajoaa-1757	111	6	profit	profit	NOUN
ajoaa-1757	111	7	may	may	AUX
ajoaa-1757	111	8	help	help	VERB
ajoaa-1757	111	9	the	the	DET
ajoaa-1757	111	10	farmer	farmer	NOUN
ajoaa-1757	111	11	to	to	PART
ajoaa-1757	111	12	repay	repay	VERB
ajoaa-1757	111	13	the	the	DET
ajoaa-1757	111	14	credit	credit	NOUN
ajoaa-1757	111	15	.	.	PUNCT
ajoaa-1757	112	1	thus	thus	ADV
ajoaa-1757	112	2	,	,	PUNCT
ajoaa-1757	112	3	provision	provision	NOUN
ajoaa-1757	112	4	of	of	ADP
ajoaa-1757	112	5	training	training	NOUN
ajoaa-1757	112	6	to	to	ADP
ajoaa-1757	112	7	borrowers	borrower	NOUN
ajoaa-1757	112	8	may	may	AUX
ajoaa-1757	112	9	improve	improve	VERB
ajoaa-1757	112	10	the	the	DET
ajoaa-1757	112	11	ability	ability	NOUN
ajoaa-1757	112	12	to	to	PART
ajoaa-1757	112	13	repay	repay	VERB
ajoaa-1757	112	14	the	the	DET
ajoaa-1757	112	15	credit	credit	NOUN
ajoaa-1757	112	16	that	that	PRON
ajoaa-1757	112	17	has	have	AUX
ajoaa-1757	112	18	been	be	AUX
ajoaa-1757	112	19	advanced	advanced	ADJ
ajoaa-1757	112	20	to	to	ADP
ajoaa-1757	112	21	the	the	DET
ajoaa-1757	112	22	farmer	farmer	NOUN
ajoaa-1757	112	23	.	.	PUNCT
ajoaa-1757	113	1	it	it	PRON
ajoaa-1757	113	2	is	be	AUX
ajoaa-1757	113	3	argued	argue	VERB
ajoaa-1757	113	4	that	that	SCONJ
ajoaa-1757	113	5	older	old	ADJ
ajoaa-1757	113	6	borrowers	borrower	NOUN
ajoaa-1757	113	7	are	be	AUX
ajoaa-1757	113	8	wiser	wise	ADJ
ajoaa-1757	113	9	and	and	CCONJ
ajoaa-1757	113	10	more	more	ADV
ajoaa-1757	113	11	responsible	responsible	ADJ
ajoaa-1757	113	12	than	than	ADP
ajoaa-1757	113	13	younger	young	ADJ
ajoaa-1757	113	14	borrowers	borrower	NOUN
ajoaa-1757	113	15	.	.	PUNCT
ajoaa-1757	114	1	on	on	ADP
ajoaa-1757	114	2	the	the	DET
ajoaa-1757	114	3	other	other	ADJ
ajoaa-1757	114	4	hand	hand	NOUN
ajoaa-1757	114	5	,	,	PUNCT
ajoaa-1757	114	6	younger	young	ADJ
ajoaa-1757	114	7	borrowers	borrower	NOUN
ajoaa-1757	114	8	are	be	AUX
ajoaa-1757	114	9	more	more	ADV
ajoaa-1757	114	10	knowledgeable	knowledgeable	ADJ
ajoaa-1757	114	11	and	and	CCONJ
ajoaa-1757	114	12	more	more	ADV
ajoaa-1757	114	13	independent	independent	ADJ
ajoaa-1757	114	14	.	.	PUNCT
ajoaa-1757	115	1	hence	hence	ADV
ajoaa-1757	115	2	age	age	NOUN
ajoaa-1757	115	3	might	might	AUX
ajoaa-1757	115	4	have	have	VERB
ajoaa-1757	115	5	positive	positive	ADJ
ajoaa-1757	115	6	and	and	CCONJ
ajoaa-1757	115	7	negative	negative	ADJ
ajoaa-1757	115	8	effect	effect	NOUN
ajoaa-1757	115	9	on	on	ADP
ajoaa-1757	115	10	credit	credit	NOUN
ajoaa-1757	115	11	repayment	repayment	NOUN
ajoaa-1757	115	12	rate	rate	NOUN
ajoaa-1757	115	13	(	(	PUNCT
ajoaa-1757	115	14	ibid	ibid	NOUN
ajoaa-1757	115	15	)	)	PUNCT
ajoaa-1757	115	16	.	.	PUNCT
ajoaa-1757	116	1	repayment	repayment	NOUN
ajoaa-1757	116	2	duration	duration	NOUN
ajoaa-1757	116	3	refers	refer	VERB
ajoaa-1757	116	4	to	to	ADP
ajoaa-1757	116	5	the	the	DET
ajoaa-1757	116	6	period	period	NOUN
ajoaa-1757	116	7	for	for	ADP
ajoaa-1757	116	8	which	which	PRON
ajoaa-1757	116	9	all	all	DET
ajoaa-1757	116	10	the	the	DET
ajoaa-1757	116	11	entire	entire	ADJ
ajoaa-1757	116	12	credit	credit	NOUN
ajoaa-1757	116	13	must	must	AUX
ajoaa-1757	116	14	be	be	AUX
ajoaa-1757	116	15	repaid	repay	VERB
ajoaa-1757	116	16	.	.	PUNCT
ajoaa-1757	117	1	ledgerwood	ledgerwood	NOUN
ajoaa-1757	117	2	(	(	PUNCT
ajoaa-1757	117	3	1999	1999	NUM
ajoaa-1757	117	4	)	)	PUNCT
ajoaa-1757	117	5	observed	observe	VERB
ajoaa-1757	117	6	that	that	SCONJ
ajoaa-1757	117	7	cash	cash	NOUN
ajoaa-1757	117	8	flow	flow	NOUN
ajoaa-1757	117	9	in	in	ADP
ajoaa-1757	117	10	part	part	NOUN
ajoaa-1757	117	11	determines	determine	VERB
ajoaa-1757	117	12	the	the	DET
ajoaa-1757	117	13	debt	debt	NOUN
ajoaa-1757	117	14	-	-	PUNCT
ajoaa-1757	117	15	servicing	service	VERB
ajoaa-1757	117	16	capacity	capacity	NOUN
ajoaa-1757	117	17	of	of	ADP
ajoaa-1757	117	18	the	the	DET
ajoaa-1757	117	19	borrower	borrower	NOUN
ajoaa-1757	117	20	.	.	PUNCT
ajoaa-1757	118	1	shorter	short	ADJ
ajoaa-1757	118	2	repayment	repayment	NOUN
ajoaa-1757	118	3	period	period	NOUN
ajoaa-1757	118	4	might	might	AUX
ajoaa-1757	118	5	cause	cause	VERB
ajoaa-1757	118	6	the	the	DET
ajoaa-1757	118	7	borrower	borrower	NOUN
ajoaa-1757	118	8	not	not	PART
ajoaa-1757	118	9	to	to	PART
ajoaa-1757	118	10	have	have	AUX
ajoaa-1757	118	11	generated	generate	VERB
ajoaa-1757	118	12	enough	enough	ADJ
ajoaa-1757	118	13	revenue	revenue	NOUN
ajoaa-1757	118	14	to	to	PART
ajoaa-1757	118	15	make	make	VERB
ajoaa-1757	118	16	credit	credit	NOUN
ajoaa-1757	118	17	repayments	repayment	NOUN
ajoaa-1757	118	18	.	.	PUNCT
ajoaa-1757	119	1	on	on	ADP
ajoaa-1757	119	2	the	the	DET
ajoaa-1757	119	3	other	other	ADJ
ajoaa-1757	119	4	hand	hand	NOUN
ajoaa-1757	119	5	,	,	PUNCT
ajoaa-1757	119	6	longer	long	ADJ
ajoaa-1757	119	7	repayment	repayment	NOUN
ajoaa-1757	119	8	period	period	NOUN
ajoaa-1757	119	9	might	might	AUX
ajoaa-1757	119	10	be	be	AUX
ajoaa-1757	119	11	detrimental	detrimental	ADJ
ajoaa-1757	119	12	to	to	ADP
ajoaa-1757	119	13	the	the	DET
ajoaa-1757	119	14	borrower	borrower	NOUN
ajoaa-1757	119	15	if	if	SCONJ
ajoaa-1757	119	16	they	they	PRON
ajoaa-1757	119	17	can	can	AUX
ajoaa-1757	119	18	not	not	PART
ajoaa-1757	119	19	access	access	VERB
ajoaa-1757	119	20	future	future	ADJ
ajoaa-1757	119	21	loan	loan	NOUN
ajoaa-1757	119	22	until	until	SCONJ
ajoaa-1757	119	23	the	the	DET
ajoaa-1757	119	24	existing	exist	VERB
ajoaa-1757	119	25	credit	credit	NOUN
ajoaa-1757	119	26	is	be	AUX
ajoaa-1757	119	27	paid	pay	VERB
ajoaa-1757	119	28	back	back	ADV
ajoaa-1757	119	29	.	.	PUNCT
ajoaa-1757	120	1	hence	hence	ADV
ajoaa-1757	120	2	both	both	CCONJ
ajoaa-1757	120	3	shorter	short	ADJ
ajoaa-1757	120	4	and	and	CCONJ
ajoaa-1757	120	5	longer	long	ADJ
ajoaa-1757	120	6	repayment	repayment	NOUN
ajoaa-1757	120	7	period	period	NOUN
ajoaa-1757	120	8	can	can	AUX
ajoaa-1757	120	9	have	have	VERB
ajoaa-1757	120	10	negative	negative	ADJ
ajoaa-1757	120	11	effects	effect	NOUN
ajoaa-1757	120	12	on	on	ADP
ajoaa-1757	120	13	the	the	DET
ajoaa-1757	120	14	ability	ability	NOUN
ajoaa-1757	120	15	to	to	PART
ajoaa-1757	120	16	repay	repay	VERB
ajoaa-1757	120	17	.	.	PUNCT
ajoaa-1757	121	1	field	field	NOUN
ajoaa-1757	121	2	et	et	PROPN
ajoaa-1757	121	3	al	al	PROPN
ajoaa-1757	121	4	.	.	PROPN
ajoaa-1757	122	1	(	(	PUNCT
ajoaa-1757	122	2	2012	2012	NUM
ajoaa-1757	122	3	)	)	PUNCT
ajoaa-1757	122	4	provided	provide	VERB
ajoaa-1757	122	5	empirical	empirical	ADJ
ajoaa-1757	122	6	evidence	evidence	NOUN
ajoaa-1757	122	7	to	to	PART
ajoaa-1757	122	8	suggest	suggest	VERB
ajoaa-1757	122	9	that	that	SCONJ
ajoaa-1757	122	10	longer	long	ADJ
ajoaa-1757	122	11	repayment	repayment	NOUN
ajoaa-1757	122	12	period	period	NOUN
ajoaa-1757	122	13	does	do	AUX
ajoaa-1757	122	14	not	not	PART
ajoaa-1757	122	15	necessarily	necessarily	ADV
ajoaa-1757	122	16	encourage	encourage	VERB
ajoaa-1757	122	17	irresponsible	irresponsible	ADJ
ajoaa-1757	122	18	repayment	repayment	NOUN
ajoaa-1757	122	19	behavior	behavior	NOUN
ajoaa-1757	122	20	among	among	ADP
ajoaa-1757	122	21	borrowers	borrower	NOUN
ajoaa-1757	122	22	.	.	PUNCT
ajoaa-1757	123	1	however	however	ADV
ajoaa-1757	123	2	,	,	PUNCT
ajoaa-1757	123	3	roslan	roslan	PROPN
ajoaa-1757	123	4	and	and	CCONJ
ajoaa-1757	123	5	mohd	mohd	NOUN
ajoaa-1757	123	6	-	-	PUNCT
ajoaa-1757	123	7	zaini	zaini	NOUN
ajoaa-1757	123	8	(	(	PUNCT
ajoaa-1757	123	9	2009	2009	NUM
ajoaa-1757	123	10	)	)	PUNCT
ajoaa-1757	123	11	provided	provide	VERB
ajoaa-1757	123	12	evidence	evidence	NOUN
ajoaa-1757	123	13	that	that	SCONJ
ajoaa-1757	123	14	longer	long	ADJ
ajoaa-1757	123	15	repayment	repayment	NOUN
ajoaa-1757	123	16	period	period	NOUN
ajoaa-1757	123	17	increase	increase	VERB
ajoaa-1757	123	18	the	the	DET
ajoaa-1757	123	19	probability	probability	NOUN
ajoaa-1757	123	20	of	of	ADP
ajoaa-1757	123	21	default	default	NOUN
ajoaa-1757	123	22	among	among	ADP
ajoaa-1757	123	23	borrowers	borrower	NOUN
ajoaa-1757	123	24	whiles	while	NOUN
ajoaa-1757	123	25	analyzing	analyze	VERB
ajoaa-1757	123	26	the	the	DET
ajoaa-1757	123	27	determinant	determinant	NOUN
ajoaa-1757	123	28	of	of	ADP
ajoaa-1757	123	29	microcredit	microcredit	NOUN
ajoaa-1757	123	30	repayment	repayment	NOUN
ajoaa-1757	123	31	in	in	ADP
ajoaa-1757	123	32	malaysia	malaysia	PROPN
ajoaa-1757	123	33	in	in	ADP
ajoaa-1757	123	34	their	their	PRON
ajoaa-1757	123	35	work	work	NOUN
ajoaa-1757	123	36	on	on	ADP
ajoaa-1757	123	37	loan	loan	NOUN
ajoaa-1757	123	38	defaults	default	NOUN
ajoaa-1757	123	39	in	in	ADP
ajoaa-1757	123	40	nigeria	nigeria	PROPN
ajoaa-1757	123	41	,	,	PUNCT
ajoaa-1757	123	42	oladeebo	oladeebo	NOUN
ajoaa-1757	123	43	and	and	CCONJ
ajoaa-1757	123	44	oladeebo	oladeebo	NOUN
ajoaa-1757	123	45	(	(	PUNCT
ajoaa-1757	123	46	2008	2008	NUM
ajoaa-1757	123	47	)	)	PUNCT
ajoaa-1757	123	48	concluded	conclude	VERB
ajoaa-1757	123	49	that	that	SCONJ
ajoaa-1757	123	50	,	,	PUNCT
ajoaa-1757	123	51	loan	loan	NOUN
ajoaa-1757	123	52	quantum	quantum	NOUN
ajoaa-1757	123	53	received	receive	VERB
ajoaa-1757	123	54	,	,	PUNCT
ajoaa-1757	123	55	age	age	NOUN
ajoaa-1757	123	56	,	,	PUNCT
ajoaa-1757	123	57	farming	farming	NOUN
ajoaa-1757	123	58	experience	experience	NOUN
ajoaa-1757	123	59	,	,	PUNCT
ajoaa-1757	123	60	use	use	NOUN
ajoaa-1757	123	61	of	of	ADP
ajoaa-1757	123	62	credit	credit	NOUN
ajoaa-1757	123	63	,	,	PUNCT
ajoaa-1757	123	64	and	and	CCONJ
ajoaa-1757	123	65	level	level	NOUN
ajoaa-1757	123	66	of	of	ADP
ajoaa-1757	123	67	education	education	NOUN
ajoaa-1757	123	68	were	be	AUX
ajoaa-1757	123	69	the	the	DET
ajoaa-1757	123	70	major	major	ADJ
ajoaa-1757	123	71	significant	significant	ADJ
ajoaa-1757	123	72	socio	socio	NOUN
ajoaa-1757	123	73	-	-	PUNCT
ajoaa-1757	123	74	economic	economic	ADJ
ajoaa-1757	123	75	factors	factor	NOUN
ajoaa-1757	123	76	determining	determine	VERB
ajoaa-1757	123	77	loan	loan	NOUN
ajoaa-1757	123	78	repayment	repayment	NOUN
ajoaa-1757	123	79	.	.	PUNCT
ajoaa-1757	124	1	borrower	borrower	NOUN
ajoaa-1757	124	2	’s	’s	PART
ajoaa-1757	124	3	socio	socio	NOUN
ajoaa-1757	124	4	-	-	PUNCT
ajoaa-1757	124	5	economic	economic	ADJ
ajoaa-1757	124	6	factors	factor	NOUN
ajoaa-1757	124	7	which	which	PRON
ajoaa-1757	124	8	did	do	AUX
ajoaa-1757	124	9	not	not	PART
ajoaa-1757	124	10	have	have	VERB
ajoaa-1757	124	11	significant	significant	ADJ
ajoaa-1757	124	12	influence	influence	NOUN
ajoaa-1757	124	13	on	on	ADP
ajoaa-1757	124	14	loan	loan	NOUN
ajoaa-1757	124	15	repayment	repayment	NOUN
ajoaa-1757	124	16	were	be	AUX
ajoaa-1757	124	17	gross	gross	ADJ
ajoaa-1757	124	18	farm	farm	NOUN
ajoaa-1757	124	19	income	income	NOUN
ajoaa-1757	124	20	,	,	PUNCT
ajoaa-1757	124	21	and	and	CCONJ
ajoaa-1757	124	22	cultivated	cultivate	VERB
ajoaa-1757	124	23	farm	farm	NOUN
ajoaa-1757	124	24	size	size	NOUN
ajoaa-1757	124	25	.	.	PUNCT
ajoaa-1757	125	1	their	their	PRON
ajoaa-1757	125	2	findings	finding	NOUN
ajoaa-1757	125	3	suggested	suggest	VERB
ajoaa-1757	125	4	that	that	SCONJ
ajoaa-1757	125	5	credit	credit	NOUN
ajoaa-1757	125	6	should	should	AUX
ajoaa-1757	125	7	be	be	AUX
ajoaa-1757	125	8	mostly	mostly	ADV
ajoaa-1757	125	9	advanced	advanced	ADJ
ajoaa-1757	125	10	to	to	ADP
ajoaa-1757	125	11	middle	middle	ADJ
ajoaa-1757	125	12	age	age	NOUN
ajoaa-1757	125	13	and	and	CCONJ
ajoaa-1757	125	14	energetic	energetic	ADJ
ajoaa-1757	125	15	farmers	farmer	NOUN
ajoaa-1757	125	16	who	who	PRON
ajoaa-1757	125	17	are	be	AUX
ajoaa-1757	125	18	more	more	ADV
ajoaa-1757	125	19	likely	likely	ADJ
ajoaa-1757	125	20	to	to	PART
ajoaa-1757	125	21	adopt	adopt	VERB
ajoaa-1757	125	22	new	new	ADJ
ajoaa-1757	125	23	innovations	innovation	NOUN
ajoaa-1757	125	24	in	in	ADP
ajoaa-1757	125	25	agricultural	agricultural	ADJ
ajoaa-1757	125	26	production	production	NOUN
ajoaa-1757	125	27	than	than	ADP
ajoaa-1757	125	28	their	their	PRON
ajoaa-1757	125	29	older	old	ADJ
ajoaa-1757	125	30	counterparts	counterpart	NOUN
ajoaa-1757	125	31	.	.	PUNCT
ajoaa-1757	126	1	the	the	DET
ajoaa-1757	126	2	study	study	NOUN
ajoaa-1757	126	3	emphasized	emphasize	VERB
ajoaa-1757	126	4	adult	adult	NOUN
ajoaa-1757	126	5	education	education	NOUN
ajoaa-1757	126	6	for	for	ADP
ajoaa-1757	126	7	non	non	ADJ
ajoaa-1757	126	8	-	-	ADJ
ajoaa-1757	126	9	literate	literate	ADJ
ajoaa-1757	126	10	farmers	farmer	NOUN
ajoaa-1757	126	11	because	because	SCONJ
ajoaa-1757	126	12	literate	literate	ADJ
ajoaa-1757	126	13	farmers	farmer	NOUN
ajoaa-1757	126	14	are	be	AUX
ajoaa-1757	126	15	also	also	ADV
ajoaa-1757	126	16	likely	likely	ADJ
ajoaa-1757	126	17	to	to	PART
ajoaa-1757	126	18	adopt	adopt	VERB
ajoaa-1757	126	19	new	new	ADJ
ajoaa-1757	126	20	innovations	innovation	NOUN
ajoaa-1757	126	21	which	which	PRON
ajoaa-1757	126	22	may	may	AUX
ajoaa-1757	126	23	enhance	enhance	VERB
ajoaa-1757	126	24	their	their	PRON
ajoaa-1757	126	25	income	income	NOUN
ajoaa-1757	126	26	positively	positively	ADV
ajoaa-1757	126	27	.	.	PUNCT
ajoaa-1757	127	1	3	3	X
ajoaa-1757	127	2	.	.	X
ajoaa-1757	127	3	methodology	methodology	NOUN
ajoaa-1757	127	4	3.1	3.1	NUM
ajoaa-1757	127	5	.	.	PUNCT
ajoaa-1757	127	6	study	study	NOUN
ajoaa-1757	127	7	area	area	NOUN
ajoaa-1757	127	8	and	and	CCONJ
ajoaa-1757	127	9	data	datum	NOUN
ajoaa-1757	127	10	collection	collection	NOUN
ajoaa-1757	127	11	the	the	DET
ajoaa-1757	127	12	study	study	NOUN
ajoaa-1757	127	13	was	be	AUX
ajoaa-1757	127	14	carried	carry	VERB
ajoaa-1757	127	15	out	out	ADP
ajoaa-1757	127	16	in	in	ADP
ajoaa-1757	127	17	ada	ada	PROPN
ajoaa-1757	127	18	west	west	PROPN
ajoaa-1757	127	19	and	and	CCONJ
ajoaa-1757	127	20	ada	ada	PROPN
ajoaa-1757	127	21	east	east	PROPN
ajoaa-1757	127	22	districts	district	NOUN
ajoaa-1757	127	23	of	of	ADP
ajoaa-1757	127	24	the	the	DET
ajoaa-1757	127	25	greater	great	ADJ
ajoaa-1757	127	26	accra	accra	NOUN
ajoaa-1757	127	27	region	region	NOUN
ajoaa-1757	127	28	of	of	ADP
ajoaa-1757	127	29	ghana	ghana	PROPN
ajoaa-1757	127	30	in	in	ADP
ajoaa-1757	127	31	2015	2015	NUM
ajoaa-1757	127	32	.	.	PUNCT
ajoaa-1757	128	1	the	the	DET
ajoaa-1757	128	2	two	two	NUM
ajoaa-1757	128	3	districts	district	NOUN
ajoaa-1757	128	4	are	be	AUX
ajoaa-1757	128	5	predominantly	predominantly	ADV
ajoaa-1757	128	6	rural	rural	ADJ
ajoaa-1757	128	7	districts	district	NOUN
ajoaa-1757	128	8	with	with	ADP
ajoaa-1757	128	9	farming	farming	NOUN
ajoaa-1757	128	10	being	be	AUX
ajoaa-1757	128	11	the	the	DET
ajoaa-1757	128	12	main	main	ADJ
ajoaa-1757	128	13	asian	asian	ADJ
ajoaa-1757	128	14	journal	journal	NOUN
ajoaa-1757	128	15	of	of	ADP
ajoaa-1757	128	16	agriculture	agriculture	NOUN
ajoaa-1757	128	17	and	and	CCONJ
ajoaa-1757	128	18	rural	rural	ADJ
ajoaa-1757	128	19	development	development	NOUN
ajoaa-1757	128	20	,	,	PUNCT
ajoaa-1757	128	21	8(2)2018	8(2)2018	NUM
ajoaa-1757	128	22	:	:	PUNCT
ajoaa-1757	128	23	74	74	NUM
ajoaa-1757	128	24	-	-	SYM
ajoaa-1757	128	25	91	91	NUM
ajoaa-1757	128	26	79	79	NUM
ajoaa-1757	128	27	economic	economic	ADJ
ajoaa-1757	128	28	activity	activity	NOUN
ajoaa-1757	128	29	.	.	PUNCT
ajoaa-1757	129	1	available	available	ADJ
ajoaa-1757	129	2	information	information	NOUN
ajoaa-1757	129	3	from	from	ADP
ajoaa-1757	129	4	the	the	DET
ajoaa-1757	129	5	ada	ada	PROPN
ajoaa-1757	129	6	rural	rural	PROPN
ajoaa-1757	129	7	bank	bank	PROPN
ajoaa-1757	129	8	,	,	PUNCT
ajoaa-1757	129	9	alphamaga	alphamaga	NOUN
ajoaa-1757	129	10	,	,	PUNCT
ajoaa-1757	129	11	and	and	CCONJ
ajoaa-1757	129	12	opportunity	opportunity	NOUN
ajoaa-1757	129	13	international	international	ADJ
ajoaa-1757	129	14	mfis	mfis	NOUN
ajoaa-1757	129	15	shows	show	VERB
ajoaa-1757	129	16	that	that	SCONJ
ajoaa-1757	129	17	microcredit	microcredit	NOUN
ajoaa-1757	129	18	loan	loan	NOUN
ajoaa-1757	129	19	recovery	recovery	NOUN
ajoaa-1757	129	20	in	in	ADP
ajoaa-1757	129	21	the	the	DET
ajoaa-1757	129	22	two	two	NUM
ajoaa-1757	129	23	districts	district	NOUN
ajoaa-1757	129	24	is	be	AUX
ajoaa-1757	129	25	no	no	DET
ajoaa-1757	129	26	more	more	ADJ
ajoaa-1757	129	27	than	than	ADP
ajoaa-1757	129	28	83	83	NUM
ajoaa-1757	129	29	%	%	NOUN
ajoaa-1757	129	30	.	.	PUNCT
ajoaa-1757	130	1	greater	great	ADJ
ajoaa-1757	130	2	accra	accra	NOUN
ajoaa-1757	130	3	region	region	NOUN
ajoaa-1757	130	4	as	as	ADP
ajoaa-1757	130	5	a	a	DET
ajoaa-1757	130	6	whole	whole	NOUN
ajoaa-1757	130	7	is	be	AUX
ajoaa-1757	130	8	considered	consider	VERB
ajoaa-1757	130	9	a	a	DET
ajoaa-1757	130	10	cosmopolitan	cosmopolitan	ADJ
ajoaa-1757	130	11	area	area	NOUN
ajoaa-1757	130	12	where	where	SCONJ
ajoaa-1757	130	13	commerce	commerce	NOUN
ajoaa-1757	130	14	and	and	CCONJ
ajoaa-1757	130	15	white	white	ADJ
ajoaa-1757	130	16	collar	collar	NOUN
ajoaa-1757	130	17	jobs	job	NOUN
ajoaa-1757	130	18	are	be	AUX
ajoaa-1757	130	19	the	the	DET
ajoaa-1757	130	20	main	main	ADJ
ajoaa-1757	130	21	economic	economic	ADJ
ajoaa-1757	130	22	activities	activity	NOUN
ajoaa-1757	130	23	thus	thus	ADV
ajoaa-1757	130	24	little	little	ADJ
ajoaa-1757	130	25	attention	attention	NOUN
ajoaa-1757	130	26	has	have	AUX
ajoaa-1757	130	27	been	be	AUX
ajoaa-1757	130	28	given	give	VERB
ajoaa-1757	130	29	to	to	ADP
ajoaa-1757	130	30	empirical	empirical	ADJ
ajoaa-1757	130	31	research	research	NOUN
ajoaa-1757	130	32	to	to	PART
ajoaa-1757	130	33	establish	establish	VERB
ajoaa-1757	130	34	microcredit	microcredit	NOUN
ajoaa-1757	130	35	utilization	utilization	NOUN
ajoaa-1757	130	36	and	and	CCONJ
ajoaa-1757	130	37	repayment	repayment	NOUN
ajoaa-1757	130	38	among	among	ADP
ajoaa-1757	130	39	smallholder	smallholder	NOUN
ajoaa-1757	130	40	farmers	farmer	NOUN
ajoaa-1757	130	41	in	in	ADP
ajoaa-1757	130	42	the	the	DET
ajoaa-1757	130	43	region	region	NOUN
ajoaa-1757	130	44	in	in	ADP
ajoaa-1757	130	45	spite	spite	NOUN
ajoaa-1757	130	46	of	of	ADP
ajoaa-1757	130	47	their	their	PRON
ajoaa-1757	130	48	presence	presence	NOUN
ajoaa-1757	130	49	.	.	PUNCT
ajoaa-1757	131	1	both	both	DET
ajoaa-1757	131	2	quantitative	quantitative	ADJ
ajoaa-1757	131	3	and	and	CCONJ
ajoaa-1757	131	4	qualitative	qualitative	ADJ
ajoaa-1757	131	5	data	datum	NOUN
ajoaa-1757	131	6	were	be	AUX
ajoaa-1757	131	7	collected	collect	VERB
ajoaa-1757	131	8	.	.	PUNCT
ajoaa-1757	132	1	with	with	ADP
ajoaa-1757	132	2	the	the	DET
ajoaa-1757	132	3	help	help	NOUN
ajoaa-1757	132	4	of	of	ADP
ajoaa-1757	132	5	microcredit	microcredit	NOUN
ajoaa-1757	132	6	lenders	lender	NOUN
ajoaa-1757	132	7	we	we	PRON
ajoaa-1757	132	8	were	be	AUX
ajoaa-1757	132	9	able	able	ADJ
ajoaa-1757	132	10	to	to	PART
ajoaa-1757	132	11	identify	identify	VERB
ajoaa-1757	132	12	farmers	farmer	NOUN
ajoaa-1757	132	13	who	who	PRON
ajoaa-1757	132	14	have	have	AUX
ajoaa-1757	132	15	accessed	access	VERB
ajoaa-1757	132	16	microcredit	microcredit	NOUN
ajoaa-1757	132	17	that	that	PRON
ajoaa-1757	132	18	have	have	AUX
ajoaa-1757	132	19	either	either	CCONJ
ajoaa-1757	132	20	paid	pay	VERB
ajoaa-1757	132	21	in	in	ADP
ajoaa-1757	132	22	full	full	ADJ
ajoaa-1757	132	23	or	or	CCONJ
ajoaa-1757	132	24	defaulted	default	VERB
ajoaa-1757	132	25	.	.	PUNCT
ajoaa-1757	133	1	since	since	SCONJ
ajoaa-1757	133	2	the	the	DET
ajoaa-1757	133	3	information	information	NOUN
ajoaa-1757	133	4	,	,	PUNCT
ajoaa-1757	133	5	according	accord	VERB
ajoaa-1757	133	6	to	to	ADP
ajoaa-1757	133	7	the	the	DET
ajoaa-1757	133	8	lenders	lender	NOUN
ajoaa-1757	133	9	were	be	AUX
ajoaa-1757	133	10	highly	highly	ADV
ajoaa-1757	133	11	confidential	confidential	ADJ
ajoaa-1757	133	12	they	they	PRON
ajoaa-1757	133	13	had	have	VERB
ajoaa-1757	133	14	to	to	PART
ajoaa-1757	133	15	seek	seek	VERB
ajoaa-1757	133	16	the	the	DET
ajoaa-1757	133	17	consent	consent	NOUN
ajoaa-1757	133	18	of	of	ADP
ajoaa-1757	133	19	the	the	DET
ajoaa-1757	133	20	respondents	respondent	NOUN
ajoaa-1757	133	21	(	(	PUNCT
ajoaa-1757	133	22	defaulters	defaulter	NOUN
ajoaa-1757	133	23	in	in	ADP
ajoaa-1757	133	24	particular	particular	ADJ
ajoaa-1757	133	25	)	)	PUNCT
ajoaa-1757	133	26	and	and	CCONJ
ajoaa-1757	133	27	upon	upon	SCONJ
ajoaa-1757	133	28	agreeing	agree	VERB
ajoaa-1757	133	29	before	before	SCONJ
ajoaa-1757	133	30	we	we	PRON
ajoaa-1757	133	31	were	be	AUX
ajoaa-1757	133	32	given	give	VERB
ajoaa-1757	133	33	the	the	DET
ajoaa-1757	133	34	opportunity	opportunity	NOUN
ajoaa-1757	133	35	to	to	PART
ajoaa-1757	133	36	interview	interview	VERB
ajoaa-1757	133	37	them	they	PRON
ajoaa-1757	133	38	.	.	PUNCT
ajoaa-1757	134	1	from	from	ADP
ajoaa-1757	134	2	over	over	ADP
ajoaa-1757	134	3	3000	3000	NUM
ajoaa-1757	134	4	smallholder	smallholder	NOUN
ajoaa-1757	134	5	farmer	farmer	NOUN
ajoaa-1757	134	6	microcredit	microcredit	NOUN
ajoaa-1757	134	7	users	user	NOUN
ajoaa-1757	134	8	,	,	PUNCT
ajoaa-1757	134	9	we	we	PRON
ajoaa-1757	134	10	randomly	randomly	ADV
ajoaa-1757	134	11	selected	select	VERB
ajoaa-1757	134	12	250	250	NUM
ajoaa-1757	134	13	respondents	respondent	NOUN
ajoaa-1757	134	14	and	and	CCONJ
ajoaa-1757	134	15	administered	administer	VERB
ajoaa-1757	134	16	questionnaires	questionnaire	NOUN
ajoaa-1757	134	17	to	to	ADP
ajoaa-1757	134	18	them	they	PRON
ajoaa-1757	134	19	.	.	PUNCT
ajoaa-1757	135	1	but	but	CCONJ
ajoaa-1757	135	2	due	due	ADP
ajoaa-1757	135	3	to	to	ADP
ajoaa-1757	135	4	outliers	outlier	NOUN
ajoaa-1757	135	5	and	and	CCONJ
ajoaa-1757	135	6	incomplete	incomplete	ADJ
ajoaa-1757	135	7	responses	response	NOUN
ajoaa-1757	135	8	to	to	ADP
ajoaa-1757	135	9	some	some	DET
ajoaa-1757	135	10	questionnaires	questionnaire	NOUN
ajoaa-1757	135	11	the	the	DET
ajoaa-1757	135	12	study	study	NOUN
ajoaa-1757	135	13	finally	finally	ADV
ajoaa-1757	135	14	used	use	VERB
ajoaa-1757	135	15	224	224	NUM
ajoaa-1757	135	16	(	(	PUNCT
ajoaa-1757	135	17	comprised	comprise	VERB
ajoaa-1757	135	18	120	120	NUM
ajoaa-1757	135	19	who	who	PRON
ajoaa-1757	135	20	repaid	repay	VERB
ajoaa-1757	135	21	loan	loan	NOUN
ajoaa-1757	135	22	in	in	ADP
ajoaa-1757	135	23	full	full	ADJ
ajoaa-1757	135	24	and	and	CCONJ
ajoaa-1757	135	25	104	104	NUM
ajoaa-1757	135	26	defaulters	defaulter	NOUN
ajoaa-1757	135	27	)	)	PUNCT
ajoaa-1757	135	28	.	.	PUNCT
ajoaa-1757	136	1	the	the	DET
ajoaa-1757	136	2	sample	sample	NOUN
ajoaa-1757	136	3	size	size	NOUN
ajoaa-1757	136	4	was	be	AUX
ajoaa-1757	136	5	based	base	VERB
ajoaa-1757	136	6	on	on	ADP
ajoaa-1757	136	7	availability	availability	NOUN
ajoaa-1757	136	8	of	of	ADP
ajoaa-1757	136	9	funds	fund	NOUN
ajoaa-1757	136	10	.	.	PUNCT
ajoaa-1757	137	1	a	a	DET
ajoaa-1757	137	2	structured	structured	ADJ
ajoaa-1757	137	3	questionnaire	questionnaire	NOUN
ajoaa-1757	137	4	was	be	AUX
ajoaa-1757	137	5	used	use	VERB
ajoaa-1757	137	6	to	to	PART
ajoaa-1757	137	7	collect	collect	VERB
ajoaa-1757	137	8	data	datum	NOUN
ajoaa-1757	137	9	through	through	ADP
ajoaa-1757	137	10	the	the	DET
ajoaa-1757	137	11	interview	interview	NOUN
ajoaa-1757	137	12	format	format	NOUN
ajoaa-1757	137	13	.	.	PUNCT
ajoaa-1757	138	1	data	datum	NOUN
ajoaa-1757	138	2	were	be	AUX
ajoaa-1757	138	3	analysed	analyse	VERB
ajoaa-1757	138	4	with	with	ADP
ajoaa-1757	138	5	the	the	DET
ajoaa-1757	138	6	stata	stata	ADJ
ajoaa-1757	138	7	statistical	statistical	ADJ
ajoaa-1757	138	8	software	software	NOUN
ajoaa-1757	138	9	.	.	PUNCT
ajoaa-1757	139	1	there	there	PRON
ajoaa-1757	139	2	were	be	VERB
ajoaa-1757	139	3	follow	follow	VERB
ajoaa-1757	139	4	ups	up	NOUN
ajoaa-1757	139	5	to	to	PART
ajoaa-1757	139	6	validate	validate	VERB
ajoaa-1757	139	7	some	some	PRON
ajoaa-1757	139	8	of	of	ADP
ajoaa-1757	139	9	the	the	DET
ajoaa-1757	139	10	findings	finding	NOUN
ajoaa-1757	139	11	.	.	PUNCT
ajoaa-1757	140	1	tables	table	NOUN
ajoaa-1757	140	2	and	and	CCONJ
ajoaa-1757	140	3	charts	chart	NOUN
ajoaa-1757	140	4	were	be	AUX
ajoaa-1757	140	5	generated	generate	VERB
ajoaa-1757	140	6	and	and	CCONJ
ajoaa-1757	140	7	analysed	analyse	VERB
ajoaa-1757	140	8	descriptively	descriptively	ADV
ajoaa-1757	140	9	.	.	PUNCT
ajoaa-1757	141	1	3.2	3.2	NUM
ajoaa-1757	141	2	.	.	PUNCT
ajoaa-1757	142	1	empirical	empirical	ADJ
ajoaa-1757	142	2	method	method	NOUN
ajoaa-1757	142	3	of	of	ADP
ajoaa-1757	142	4	analysing	analyse	VERB
ajoaa-1757	142	5	data	datum	NOUN
ajoaa-1757	142	6	the	the	DET
ajoaa-1757	142	7	logit	logit	PROPN
ajoaa-1757	142	8	model	model	NOUN
ajoaa-1757	142	9	was	be	AUX
ajoaa-1757	142	10	used	use	VERB
ajoaa-1757	142	11	to	to	PART
ajoaa-1757	142	12	analyse	analyse	VERB
ajoaa-1757	142	13	the	the	DET
ajoaa-1757	142	14	factors	factor	NOUN
ajoaa-1757	142	15	determining	determine	VERB
ajoaa-1757	142	16	loan	loan	NOUN
ajoaa-1757	142	17	repayments	repayment	NOUN
ajoaa-1757	142	18	capabilities	capability	NOUN
ajoaa-1757	142	19	among	among	ADP
ajoaa-1757	142	20	borrowers	borrower	NOUN
ajoaa-1757	142	21	.	.	PUNCT
ajoaa-1757	143	1	the	the	DET
ajoaa-1757	143	2	logit	logit	PROPN
ajoaa-1757	143	3	model	model	NOUN
ajoaa-1757	143	4	was	be	AUX
ajoaa-1757	143	5	used	use	VERB
ajoaa-1757	143	6	because	because	SCONJ
ajoaa-1757	143	7	the	the	DET
ajoaa-1757	143	8	dependent	dependent	ADJ
ajoaa-1757	143	9	variable	variable	NOUN
ajoaa-1757	143	10	is	be	AUX
ajoaa-1757	143	11	dichotomous	dichotomous	ADJ
ajoaa-1757	143	12	.	.	PUNCT
ajoaa-1757	144	1	this	this	PRON
ajoaa-1757	144	2	implies	imply	VERB
ajoaa-1757	144	3	that	that	SCONJ
ajoaa-1757	144	4	during	during	ADP
ajoaa-1757	144	5	the	the	DET
ajoaa-1757	144	6	period	period	NOUN
ajoaa-1757	144	7	of	of	ADP
ajoaa-1757	144	8	loan	loan	NOUN
ajoaa-1757	144	9	repayment	repayment	NOUN
ajoaa-1757	144	10	if	if	SCONJ
ajoaa-1757	144	11	the	the	DET
ajoaa-1757	144	12	respondent	respondent	NOUN
ajoaa-1757	144	13	had	have	VERB
ajoaa-1757	144	14	difficulties	difficulty	NOUN
ajoaa-1757	144	15	to	to	PART
ajoaa-1757	144	16	repay	repay	VERB
ajoaa-1757	144	17	agreed	agree	VERB
ajoaa-1757	144	18	amount	amount	NOUN
ajoaa-1757	144	19	at	at	ADP
ajoaa-1757	144	20	the	the	DET
ajoaa-1757	144	21	scheduled	schedule	VERB
ajoaa-1757	144	22	time	time	NOUN
ajoaa-1757	144	23	it	it	PRON
ajoaa-1757	144	24	is	be	AUX
ajoaa-1757	144	25	indicated	indicate	VERB
ajoaa-1757	144	26	zero	zero	NUM
ajoaa-1757	144	27	(	(	PUNCT
ajoaa-1757	144	28	0	0	NUM
ajoaa-1757	144	29	)	)	PUNCT
ajoaa-1757	144	30	otherwise	otherwise	ADV
ajoaa-1757	144	31	one	one	NUM
ajoaa-1757	144	32	(	(	PUNCT
ajoaa-1757	144	33	1	1	NUM
ajoaa-1757	144	34	)	)	PUNCT
ajoaa-1757	144	35	for	for	ADP
ajoaa-1757	144	36	the	the	DET
ajoaa-1757	144	37	dependent	dependent	ADJ
ajoaa-1757	144	38	variable	variable	NOUN
ajoaa-1757	144	39	.	.	PUNCT
ajoaa-1757	145	1	we	we	PRON
ajoaa-1757	145	2	used	use	VERB
ajoaa-1757	145	3	farmer	farmer	NOUN
ajoaa-1757	145	4	and	and	CCONJ
ajoaa-1757	145	5	credit	credit	NOUN
ajoaa-1757	145	6	specific	specific	ADJ
ajoaa-1757	145	7	characteristic	characteristic	NOUN
ajoaa-1757	145	8	that	that	PRON
ajoaa-1757	145	9	could	could	AUX
ajoaa-1757	145	10	influence	influence	VERB
ajoaa-1757	145	11	microcredit	microcredit	NOUN
ajoaa-1757	145	12	repayment	repayment	NOUN
ajoaa-1757	145	13	based	base	VERB
ajoaa-1757	145	14	on	on	ADP
ajoaa-1757	145	15	theory	theory	NOUN
ajoaa-1757	145	16	,	,	PUNCT
ajoaa-1757	145	17	literature	literature	NOUN
ajoaa-1757	145	18	and	and	CCONJ
ajoaa-1757	145	19	prior	prior	ADJ
ajoaa-1757	145	20	knowledge	knowledge	NOUN
ajoaa-1757	145	21	of	of	ADP
ajoaa-1757	145	22	the	the	DET
ajoaa-1757	145	23	study	study	NOUN
ajoaa-1757	145	24	areas	area	NOUN
ajoaa-1757	145	25	.	.	PUNCT
ajoaa-1757	146	1	microcredit	microcredit	NOUN
ajoaa-1757	146	2	repayment	repayment	NOUN
ajoaa-1757	146	3	,	,	PUNCT
ajoaa-1757	146	4	the	the	DET
ajoaa-1757	146	5	dependent	dependent	ADJ
ajoaa-1757	146	6	variable	variable	NOUN
ajoaa-1757	146	7	is	be	AUX
ajoaa-1757	146	8	therefore	therefore	ADV
ajoaa-1757	146	9	a	a	DET
ajoaa-1757	146	10	function	function	NOUN
ajoaa-1757	146	11	of	of	ADP
ajoaa-1757	146	12	the	the	DET
ajoaa-1757	146	13	selected	select	VERB
ajoaa-1757	146	14	farmer	farmer	NOUN
ajoaa-1757	146	15	and	and	CCONJ
ajoaa-1757	146	16	credit	credit	NOUN
ajoaa-1757	146	17	specific	specific	ADJ
ajoaa-1757	146	18	characteristics	characteristic	NOUN
ajoaa-1757	146	19	.	.	PUNCT
ajoaa-1757	147	1	the	the	DET
ajoaa-1757	147	2	farmer	farmer	NOUN
ajoaa-1757	147	3	and	and	CCONJ
ajoaa-1757	147	4	microcredit	microcredit	VERB
ajoaa-1757	147	5	specific	specific	ADJ
ajoaa-1757	147	6	characteristics	characteristic	NOUN
ajoaa-1757	147	7	used	use	VERB
ajoaa-1757	147	8	and	and	CCONJ
ajoaa-1757	147	9	the	the	DET
ajoaa-1757	147	10	expected	expect	VERB
ajoaa-1757	147	11	impact	impact	NOUN
ajoaa-1757	147	12	on	on	ADP
ajoaa-1757	147	13	the	the	DET
ajoaa-1757	147	14	dependent	dependent	ADJ
ajoaa-1757	147	15	variable	variable	NOUN
ajoaa-1757	147	16	are	be	AUX
ajoaa-1757	147	17	shown	show	VERB
ajoaa-1757	147	18	on	on	ADP
ajoaa-1757	147	19	table	table	NOUN
ajoaa-1757	147	20	1	1	NUM
ajoaa-1757	147	21	.	.	PUNCT
ajoaa-1757	148	1	for	for	ADP
ajoaa-1757	148	2	estimation	estimation	NOUN
ajoaa-1757	148	3	purpose	purpose	NOUN
ajoaa-1757	148	4	the	the	DET
ajoaa-1757	148	5	logit	logit	NOUN
ajoaa-1757	148	6	model	model	NOUN
ajoaa-1757	148	7	is	be	AUX
ajoaa-1757	148	8	given	give	VERB
ajoaa-1757	148	9	here	here	ADV
ajoaa-1757	148	10	as	as	ADP
ajoaa-1757	148	11	:	:	PUNCT
ajoaa-1757	148	12	𝐿𝑖	𝐿𝑖	NOUN
ajoaa-1757	148	13	=	=	PUNCT
ajoaa-1757	148	14	ln(𝑃|1	ln(𝑃|1	AUX
ajoaa-1757	148	15	−	−	NOUN
ajoaa-1757	148	16	𝑃	𝑃	NOUN
ajoaa-1757	148	17	)	)	PUNCT
ajoaa-1757	148	18	=	=	SYM
ajoaa-1757	148	19	𝛽1	𝛽1	NOUN
ajoaa-1757	148	20	+	+	CCONJ
ajoaa-1757	148	21	𝛽𝑖𝑋𝑖	𝛽𝑖𝑋𝑖	ADJ
ajoaa-1757	148	22	+	+	CCONJ
ajoaa-1757	148	23	𝜀𝑖	𝜀𝑖	ADP
ajoaa-1757	148	24	𝐿𝑖	𝐿𝑖	NOUN
ajoaa-1757	148	25	=	=	PUNCT
ajoaa-1757	148	26	independent	independent	ADJ
ajoaa-1757	148	27	variable	variable	ADJ
ajoaa-1757	148	28	𝛽1	𝛽1	NOUN
ajoaa-1757	148	29	=	=	SYM
ajoaa-1757	148	30	constant	constant	ADJ
ajoaa-1757	148	31	𝛽𝑖=	𝛽𝑖=	ADJ
ajoaa-1757	148	32	marginal	marginal	ADJ
ajoaa-1757	148	33	values	value	NOUN
ajoaa-1757	148	34	of	of	ADP
ajoaa-1757	148	35	the	the	DET
ajoaa-1757	148	36	independent	independent	ADJ
ajoaa-1757	148	37	variables	variable	NOUN
ajoaa-1757	148	38	𝑋𝑖	𝑋𝑖	NOUN
ajoaa-1757	148	39	=	=	SYM
ajoaa-1757	148	40	independent	independent	ADJ
ajoaa-1757	148	41	variables	variable	NOUN
ajoaa-1757	148	42	𝜀𝑖	𝜀𝑖	ADP
ajoaa-1757	148	43	=	=	NOUN
ajoaa-1757	148	44	error	error	NOUN
ajoaa-1757	148	45	term	term	NOUN
ajoaa-1757	148	46	the	the	DET
ajoaa-1757	148	47	data	datum	NOUN
ajoaa-1757	148	48	was	be	AUX
ajoaa-1757	148	49	analysed	analyse	VERB
ajoaa-1757	148	50	using	use	VERB
ajoaa-1757	148	51	stata	stata	NOUN
ajoaa-1757	148	52	14	14	NUM
ajoaa-1757	148	53	table	table	NOUN
ajoaa-1757	148	54	1	1	NUM
ajoaa-1757	148	55	:	:	PUNCT
ajoaa-1757	148	56	the	the	DET
ajoaa-1757	148	57	variables	variable	NOUN
ajoaa-1757	148	58	included	include	VERB
ajoaa-1757	148	59	in	in	ADP
ajoaa-1757	148	60	model	model	NOUN
ajoaa-1757	148	61	and	and	CCONJ
ajoaa-1757	148	62	their	their	PRON
ajoaa-1757	148	63	predicted	predict	VERB
ajoaa-1757	148	64	impacts	impact	NOUN
ajoaa-1757	148	65	variable	variable	ADJ
ajoaa-1757	148	66	symbol	symbol	NOUN
ajoaa-1757	148	67	measurement	measurement	NOUN
ajoaa-1757	148	68	predicted	predict	VERB
ajoaa-1757	148	69	impact	impact	NOUN
ajoaa-1757	148	70	level	level	NOUN
ajoaa-1757	148	71	of	of	ADP
ajoaa-1757	148	72	education	education	NOUN
ajoaa-1757	148	73	x1	x1	PROPN
ajoaa-1757	148	74	dummy	dummy	NOUN
ajoaa-1757	148	75	(	(	PUNCT
ajoaa-1757	148	76	1	1	NUM
ajoaa-1757	148	77	=	=	SYM
ajoaa-1757	148	78	jhs	jhs	PROPN
ajoaa-1757	148	79	;	;	PUNCT
ajoaa-1757	148	80	otherwise=0	otherwise=0	NUM
ajoaa-1757	148	81	)	)	PUNCT
ajoaa-1757	149	1	+	+	CCONJ
ajoaa-1757	149	2	fbo	fbo	NOUN
ajoaa-1757	149	3	membership	membership	NOUN
ajoaa-1757	149	4	x2	x2	PROPN
ajoaa-1757	149	5	dummy	dummy	NOUN
ajoaa-1757	149	6	(	(	PUNCT
ajoaa-1757	149	7	1	1	NUM
ajoaa-1757	149	8	=	=	NOUN
ajoaa-1757	149	9	member	member	NOUN
ajoaa-1757	149	10	of	of	ADP
ajoaa-1757	149	11	fbo	fbo	PROPN
ajoaa-1757	149	12	;	;	PUNCT
ajoaa-1757	149	13	otherwise=0	otherwise=0	NUM
ajoaa-1757	149	14	)	)	PUNCT
ajoaa-1757	150	1	+	+	CCONJ
ajoaa-1757	150	2	gender	gender	NOUN
ajoaa-1757	150	3	x3	x3	ADJ
ajoaa-1757	150	4	dummy	dummy	NOUN
ajoaa-1757	150	5	(	(	PUNCT
ajoaa-1757	150	6	1	1	NUM
ajoaa-1757	150	7	=	=	NUM
ajoaa-1757	150	8	female	female	ADJ
ajoaa-1757	150	9	;	;	PUNCT
ajoaa-1757	150	10	otherwise=0	otherwise=0	NUM
ajoaa-1757	150	11	)	)	PUNCT
ajoaa-1757	151	1	+	+	CCONJ
ajoaa-1757	151	2	interest	interest	NOUN
ajoaa-1757	151	3	rate	rate	NOUN
ajoaa-1757	151	4	x4	x4	PROPN
ajoaa-1757	151	5	percentages	percentage	NOUN
ajoaa-1757	151	6	experience	experience	VERB
ajoaa-1757	151	7	in	in	ADP
ajoaa-1757	151	8	farming	farming	NOUN
ajoaa-1757	151	9	x5	x5	PROPN
ajoaa-1757	151	10	years	year	NOUN
ajoaa-1757	151	11	in	in	ADP
ajoaa-1757	151	12	farming	farming	NOUN
ajoaa-1757	151	13	+	+	CCONJ
ajoaa-1757	151	14	distance	distance	NOUN
ajoaa-1757	151	15	x6	x6	NOUN
ajoaa-1757	151	16	kilometers	kilometer	NOUN
ajoaa-1757	151	17	+	+	CCONJ
ajoaa-1757	151	18	perception	perception	NOUN
ajoaa-1757	151	19	of	of	ADP
ajoaa-1757	151	20	pressure	pressure	NOUN
ajoaa-1757	151	21	from	from	ADP
ajoaa-1757	151	22	credit	credit	NOUN
ajoaa-1757	151	23	institution	institution	NOUN
ajoaa-1757	151	24	x7	x7	NOUN
ajoaa-1757	151	25	dummy(1	dummy(1	VERB
ajoaa-1757	151	26	=	=	ADJ
ajoaa-1757	151	27	pressurized	pressurize	VERB
ajoaa-1757	151	28	to	to	PART
ajoaa-1757	151	29	repay	repay	VERB
ajoaa-1757	151	30	;	;	PUNCT
ajoaa-1757	151	31	otherwise=0	otherwise=0	NUM
ajoaa-1757	151	32	)	)	PUNCT
ajoaa-1757	152	1	+	+	CCONJ
ajoaa-1757	152	2	asian	asian	ADJ
ajoaa-1757	152	3	journal	journal	NOUN
ajoaa-1757	152	4	of	of	ADP
ajoaa-1757	152	5	agriculture	agriculture	NOUN
ajoaa-1757	152	6	and	and	CCONJ
ajoaa-1757	152	7	rural	rural	ADJ
ajoaa-1757	152	8	development	development	NOUN
ajoaa-1757	152	9	,	,	PUNCT
ajoaa-1757	152	10	8(2)2018	8(2)2018	NUM
ajoaa-1757	152	11	:	:	PUNCT
ajoaa-1757	152	12	74	74	NUM
ajoaa-1757	152	13	-	-	SYM
ajoaa-1757	152	14	91	91	NUM
ajoaa-1757	152	15	80	80	NUM
ajoaa-1757	152	16	repayment	repayment	NOUN
ajoaa-1757	152	17	duration	duration	NOUN
ajoaa-1757	152	18	x8	x8	NOUN
ajoaa-1757	152	19	months	month	NOUN
ajoaa-1757	153	1	+	+	ADJ
ajoaa-1757	153	2	/	/	SYM
ajoaa-1757	153	3	age	age	NOUN
ajoaa-1757	153	4	x9	x9	NOUN
ajoaa-1757	153	5	years	year	NOUN
ajoaa-1757	153	6	+	+	ADJ
ajoaa-1757	153	7	/	/	SYM
ajoaa-1757	153	8	amount	amount	NOUN
ajoaa-1757	153	9	of	of	ADP
ajoaa-1757	153	10	credit	credit	NOUN
ajoaa-1757	153	11	granted	grant	VERB
ajoaa-1757	153	12	x10	x10	ADP
ajoaa-1757	153	13	ghana	ghana	PROPN
ajoaa-1757	153	14	cedis	cedi	VERB
ajoaa-1757	154	1	+	+	CCONJ
ajoaa-1757	154	2	dependants	dependant	NOUN
ajoaa-1757	154	3	x11	x11	NOUN
ajoaa-1757	154	4	number	number	NOUN
ajoaa-1757	154	5	of	of	ADP
ajoaa-1757	154	6	people	people	NOUN
ajoaa-1757	154	7	farmer	farmer	NOUN
ajoaa-1757	154	8	is	be	AUX
ajoaa-1757	154	9	taking	take	VERB
ajoaa-1757	154	10	care	care	NOUN
ajoaa-1757	154	11	of	of	ADP
ajoaa-1757	154	12	+	+	ADJ
ajoaa-1757	154	13	/	/	SYM
ajoaa-1757	154	14	income	income	NOUN
ajoaa-1757	154	15	x12	x12	NUM
ajoaa-1757	154	16	ghana	ghana	PROPN
ajoaa-1757	154	17	cedis	cedi	VERB
ajoaa-1757	155	1	+	+	ADJ
ajoaa-1757	155	2	/	/	SYM
ajoaa-1757	155	3	4	4	NUM
ajoaa-1757	155	4	.	.	NOUN
ajoaa-1757	156	1	results	result	NOUN
ajoaa-1757	156	2	and	and	CCONJ
ajoaa-1757	156	3	discussions	discussion	NOUN
ajoaa-1757	156	4	4.1	4.1	NUM
ajoaa-1757	156	5	.	.	PUNCT
ajoaa-1757	157	1	loan	loan	NOUN
ajoaa-1757	157	2	default	default	NOUN
ajoaa-1757	157	3	:	:	PUNCT
ajoaa-1757	157	4	farmers	farmer	NOUN
ajoaa-1757	157	5	perspective	perspective	VERB
ajoaa-1757	157	6	low	low	ADJ
ajoaa-1757	157	7	prices	price	NOUN
ajoaa-1757	157	8	of	of	ADP
ajoaa-1757	157	9	farm	farm	NOUN
ajoaa-1757	157	10	output	output	NOUN
ajoaa-1757	157	11	accounted	account	VERB
ajoaa-1757	157	12	for	for	ADP
ajoaa-1757	157	13	about	about	ADV
ajoaa-1757	157	14	43	43	NUM
ajoaa-1757	157	15	%	%	NOUN
ajoaa-1757	157	16	of	of	ADP
ajoaa-1757	157	17	the	the	DET
ajoaa-1757	157	18	reasons	reason	NOUN
ajoaa-1757	157	19	why	why	SCONJ
ajoaa-1757	157	20	the	the	DET
ajoaa-1757	157	21	farmers	farmer	NOUN
ajoaa-1757	157	22	defaulted	default	VERB
ajoaa-1757	157	23	in	in	ADP
ajoaa-1757	157	24	loan	loan	NOUN
ajoaa-1757	157	25	repayment	repayment	NOUN
ajoaa-1757	157	26	.	.	PUNCT
ajoaa-1757	158	1	high	high	ADJ
ajoaa-1757	158	2	interest	interest	NOUN
ajoaa-1757	158	3	rate	rate	NOUN
ajoaa-1757	158	4	(	(	PUNCT
ajoaa-1757	158	5	22	22	NUM
ajoaa-1757	158	6	%	%	NOUN
ajoaa-1757	158	7	)	)	PUNCT
ajoaa-1757	158	8	was	be	AUX
ajoaa-1757	158	9	the	the	DET
ajoaa-1757	158	10	second	second	ADJ
ajoaa-1757	158	11	cause	cause	NOUN
ajoaa-1757	158	12	of	of	ADP
ajoaa-1757	158	13	default	default	NOUN
ajoaa-1757	158	14	whereas	whereas	SCONJ
ajoaa-1757	158	15	poor	poor	ADJ
ajoaa-1757	158	16	yield	yield	NOUN
ajoaa-1757	158	17	was	be	AUX
ajoaa-1757	158	18	the	the	DET
ajoaa-1757	158	19	least	least	ADJ
ajoaa-1757	158	20	(	(	PUNCT
ajoaa-1757	158	21	6	6	NUM
ajoaa-1757	158	22	%	%	NOUN
ajoaa-1757	158	23	)	)	PUNCT
ajoaa-1757	158	24	(	(	PUNCT
ajoaa-1757	158	25	figure	figure	NOUN
ajoaa-1757	158	26	1	1	NUM
ajoaa-1757	158	27	)	)	PUNCT
ajoaa-1757	158	28	.	.	PUNCT
ajoaa-1757	159	1	it	it	PRON
ajoaa-1757	159	2	is	be	AUX
ajoaa-1757	159	3	not	not	PART
ajoaa-1757	159	4	surprising	surprising	ADJ
ajoaa-1757	159	5	that	that	SCONJ
ajoaa-1757	159	6	poor	poor	ADJ
ajoaa-1757	159	7	yield	yield	NOUN
ajoaa-1757	159	8	is	be	AUX
ajoaa-1757	159	9	the	the	DET
ajoaa-1757	159	10	least	least	ADJ
ajoaa-1757	159	11	while	while	SCONJ
ajoaa-1757	159	12	‘	'	PUNCT
ajoaa-1757	159	13	low	low	ADJ
ajoaa-1757	159	14	prices	price	NOUN
ajoaa-1757	159	15	’	'	PUNCT
ajoaa-1757	159	16	is	be	AUX
ajoaa-1757	159	17	a	a	DET
ajoaa-1757	159	18	major	major	ADJ
ajoaa-1757	159	19	factor	factor	NOUN
ajoaa-1757	159	20	for	for	ADP
ajoaa-1757	159	21	loan	loan	NOUN
ajoaa-1757	159	22	default	default	NOUN
ajoaa-1757	159	23	.	.	PUNCT
ajoaa-1757	160	1	availability	availability	NOUN
ajoaa-1757	160	2	of	of	ADP
ajoaa-1757	160	3	credit	credit	NOUN
ajoaa-1757	160	4	could	could	AUX
ajoaa-1757	160	5	lead	lead	VERB
ajoaa-1757	160	6	to	to	ADP
ajoaa-1757	160	7	increased	increase	VERB
ajoaa-1757	160	8	farm	farm	NOUN
ajoaa-1757	160	9	size	size	NOUN
ajoaa-1757	160	10	and	and	CCONJ
ajoaa-1757	160	11	investment	investment	NOUN
ajoaa-1757	160	12	in	in	ADP
ajoaa-1757	160	13	other	other	ADJ
ajoaa-1757	160	14	income	income	NOUN
ajoaa-1757	160	15	generating	generating	NOUN
ajoaa-1757	160	16	ventures	venture	NOUN
ajoaa-1757	160	17	.	.	PUNCT
ajoaa-1757	161	1	ceteris	ceteris	NOUN
ajoaa-1757	161	2	paribus	paribus	ADJ
ajoaa-1757	161	3	increase	increase	NOUN
ajoaa-1757	161	4	investment	investment	NOUN
ajoaa-1757	161	5	in	in	ADP
ajoaa-1757	161	6	farm	farm	NOUN
ajoaa-1757	161	7	operations	operation	NOUN
ajoaa-1757	161	8	will	will	AUX
ajoaa-1757	161	9	lead	lead	VERB
ajoaa-1757	161	10	to	to	ADP
ajoaa-1757	161	11	increased	increase	VERB
ajoaa-1757	161	12	yield	yield	NOUN
ajoaa-1757	161	13	but	but	CCONJ
ajoaa-1757	161	14	the	the	DET
ajoaa-1757	161	15	increased	increase	VERB
ajoaa-1757	161	16	in	in	ADP
ajoaa-1757	161	17	yield	yield	NOUN
ajoaa-1757	161	18	may	may	AUX
ajoaa-1757	161	19	result	result	VERB
ajoaa-1757	161	20	in	in	ADP
ajoaa-1757	161	21	glut	glut	NOUN
ajoaa-1757	161	22	and	and	CCONJ
ajoaa-1757	161	23	hence	hence	ADV
ajoaa-1757	161	24	low	low	ADJ
ajoaa-1757	161	25	prices	price	NOUN
ajoaa-1757	161	26	,	,	PUNCT
ajoaa-1757	161	27	resulting	result	VERB
ajoaa-1757	161	28	in	in	ADP
ajoaa-1757	161	29	income	income	NOUN
ajoaa-1757	161	30	decline	decline	NOUN
ajoaa-1757	161	31	and	and	CCONJ
ajoaa-1757	161	32	loan	loan	NOUN
ajoaa-1757	161	33	repayment	repayment	NOUN
ajoaa-1757	161	34	challenges	challenge	NOUN
ajoaa-1757	161	35	.	.	PUNCT
ajoaa-1757	162	1	this	this	PRON
ajoaa-1757	162	2	means	mean	VERB
ajoaa-1757	162	3	provision	provision	NOUN
ajoaa-1757	162	4	of	of	ADP
ajoaa-1757	162	5	credit	credit	NOUN
ajoaa-1757	162	6	must	must	AUX
ajoaa-1757	162	7	be	be	AUX
ajoaa-1757	162	8	backed	back	VERB
ajoaa-1757	162	9	with	with	ADP
ajoaa-1757	162	10	efficient	efficient	ADJ
ajoaa-1757	162	11	marketing	marketing	NOUN
ajoaa-1757	162	12	strategy	strategy	NOUN
ajoaa-1757	162	13	.	.	PUNCT
ajoaa-1757	163	1	figure	figure	VERB
ajoaa-1757	163	2	1	1	NUM
ajoaa-1757	163	3	:	:	PUNCT
ajoaa-1757	163	4	reasons	reason	NOUN
ajoaa-1757	163	5	for	for	ADP
ajoaa-1757	163	6	non	non	ADJ
ajoaa-1757	163	7	-	-	NOUN
ajoaa-1757	163	8	payment	payment	NOUN
ajoaa-1757	163	9	of	of	ADP
ajoaa-1757	163	10	credit	credit	NOUN
ajoaa-1757	163	11	source	source	NOUN
ajoaa-1757	163	12	:	:	PUNCT
ajoaa-1757	163	13	field	field	NOUN
ajoaa-1757	163	14	survey	survey	NOUN
ajoaa-1757	163	15	data	datum	NOUN
ajoaa-1757	163	16	,	,	PUNCT
ajoaa-1757	163	17	2015	2015	NUM
ajoaa-1757	163	18	4.2	4.2	NUM
ajoaa-1757	163	19	.	.	PUNCT
ajoaa-1757	164	1	loan	loan	NOUN
ajoaa-1757	164	2	repayment	repayment	NOUN
ajoaa-1757	164	3	and	and	CCONJ
ajoaa-1757	164	4	saving	saving	NOUN
ajoaa-1757	164	5	pattern	pattern	NOUN
ajoaa-1757	164	6	from	from	ADP
ajoaa-1757	164	7	figure	figure	NOUN
ajoaa-1757	164	8	2	2	NUM
ajoaa-1757	164	9	,	,	PUNCT
ajoaa-1757	164	10	64	64	NUM
ajoaa-1757	164	11	%	%	NOUN
ajoaa-1757	164	12	of	of	ADP
ajoaa-1757	164	13	the	the	DET
ajoaa-1757	164	14	borrowers	borrower	NOUN
ajoaa-1757	164	15	paid	pay	VERB
ajoaa-1757	164	16	back	back	ADP
ajoaa-1757	164	17	their	their	PRON
ajoaa-1757	164	18	loan	loan	NOUN
ajoaa-1757	164	19	from	from	ADP
ajoaa-1757	164	20	the	the	DET
ajoaa-1757	164	21	proceeds	proceed	NOUN
ajoaa-1757	164	22	of	of	ADP
ajoaa-1757	164	23	their	their	PRON
ajoaa-1757	164	24	farms	farm	NOUN
ajoaa-1757	164	25	whilst	whilst	SCONJ
ajoaa-1757	164	26	24	24	NUM
ajoaa-1757	164	27	%	%	NOUN
ajoaa-1757	164	28	paid	pay	VERB
ajoaa-1757	164	29	from	from	ADP
ajoaa-1757	164	30	non	non	ADJ
ajoaa-1757	164	31	-	-	ADJ
ajoaa-1757	164	32	farm	farm	ADJ
ajoaa-1757	164	33	incomes	income	NOUN
ajoaa-1757	164	34	.	.	PUNCT
ajoaa-1757	165	1	twelve	twelve	NUM
ajoaa-1757	165	2	percent	percent	NOUN
ajoaa-1757	165	3	(	(	PUNCT
ajoaa-1757	165	4	12	12	NUM
ajoaa-1757	165	5	%	%	NOUN
ajoaa-1757	165	6	)	)	PUNCT
ajoaa-1757	165	7	paid	pay	VERB
ajoaa-1757	165	8	the	the	DET
ajoaa-1757	165	9	loan	loan	NOUN
ajoaa-1757	165	10	from	from	ADP
ajoaa-1757	165	11	both	both	CCONJ
ajoaa-1757	165	12	farm	farm	NOUN
ajoaa-1757	165	13	and	and	CCONJ
ajoaa-1757	165	14	nonfarm	nonfarm	NOUN
ajoaa-1757	165	15	incomes	income	NOUN
ajoaa-1757	165	16	.	.	PUNCT
ajoaa-1757	166	1	repayment	repayment	NOUN
ajoaa-1757	166	2	duration	duration	NOUN
ajoaa-1757	166	3	ranges	range	VERB
ajoaa-1757	166	4	from	from	ADP
ajoaa-1757	166	5	6	6	NUM
ajoaa-1757	166	6	months	month	NOUN
ajoaa-1757	166	7	to	to	ADP
ajoaa-1757	166	8	one	one	NUM
ajoaa-1757	166	9	and	and	CCONJ
ajoaa-1757	166	10	half	half	ADJ
ajoaa-1757	166	11	years	year	NOUN
ajoaa-1757	166	12	,	,	PUNCT
ajoaa-1757	166	13	suggesting	suggest	VERB
ajoaa-1757	166	14	that	that	SCONJ
ajoaa-1757	166	15	the	the	DET
ajoaa-1757	166	16	loans	loan	NOUN
ajoaa-1757	166	17	are	be	AUX
ajoaa-1757	166	18	for	for	ADP
ajoaa-1757	166	19	short	short	ADJ
ajoaa-1757	166	20	term	term	NOUN
ajoaa-1757	166	21	financing	financing	NOUN
ajoaa-1757	166	22	.	.	PUNCT
ajoaa-1757	167	1	nearly	nearly	ADV
ajoaa-1757	167	2	77	77	NUM
ajoaa-1757	167	3	%	%	NOUN
ajoaa-1757	167	4	(	(	PUNCT
ajoaa-1757	167	5	76.8	76.8	NUM
ajoaa-1757	167	6	%	%	NOUN
ajoaa-1757	167	7	)	)	PUNCT
ajoaa-1757	167	8	of	of	ADP
ajoaa-1757	167	9	the	the	DET
ajoaa-1757	167	10	farmers	farmer	NOUN
ajoaa-1757	167	11	saved	save	VERB
ajoaa-1757	167	12	from	from	ADP
ajoaa-1757	167	13	their	their	PRON
ajoaa-1757	167	14	earnings	earning	NOUN
ajoaa-1757	167	15	.	.	PUNCT
ajoaa-1757	168	1	savings	saving	NOUN
ajoaa-1757	168	2	in	in	ADP
ajoaa-1757	168	3	the	the	DET
ajoaa-1757	168	4	local	local	ADJ
ajoaa-1757	168	5	currency	currency	NOUN
ajoaa-1757	168	6	ranged	range	VERB
ajoaa-1757	168	7	from	from	ADP
ajoaa-1757	168	8	gh₵	gh₵	PROPN
ajoaa-1757	168	9	150.00	150.00	NUM
ajoaa-1757	168	10	(	(	PUNCT
ajoaa-1757	168	11	≃	≃	DET
ajoaa-1757	168	12	us$	us$	SYM
ajoaa-1757	168	13	42.00	42.00	NUM
ajoaa-1757	168	14	)	)	PUNCT
ajoaa-1757	168	15	to	to	PART
ajoaa-1757	168	16	gh₵	gh₵	VERB
ajoaa-1757	168	17	3000.00	3000.00	NUM
ajoaa-1757	168	18	(	(	PUNCT
ajoaa-1757	168	19	≃	≃	VERB
ajoaa-1757	168	20	us$	us$	SYM
ajoaa-1757	168	21	834.00	834.00	NUM
ajoaa-1757	168	22	)	)	PUNCT
ajoaa-1757	168	23	with	with	ADP
ajoaa-1757	168	24	average	average	NOUN
ajoaa-1757	168	25	of	of	ADP
ajoaa-1757	168	26	gh₵	gh₵	PROPN
ajoaa-1757	168	27	240.34	240.34	NUM
ajoaa-1757	168	28	(	(	PUNCT
ajoaa-1757	168	29	≃	≃	VERB
ajoaa-1757	168	30	us$	us$	SYM
ajoaa-1757	168	31	67.00	67.00	NUM
ajoaa-1757	168	32	)	)	PUNCT
ajoaa-1757	168	33	.	.	PUNCT
ajoaa-1757	169	1	these	these	DET
ajoaa-1757	169	2	savings	saving	NOUN
ajoaa-1757	169	3	are	be	AUX
ajoaa-1757	169	4	normally	normally	ADV
ajoaa-1757	169	5	deposited	deposit	VERB
ajoaa-1757	169	6	with	with	ADP
ajoaa-1757	169	7	the	the	DET
ajoaa-1757	169	8	various	various	ADJ
ajoaa-1757	169	9	microcredit	microcredit	NOUN
ajoaa-1757	169	10	schemes	scheme	NOUN
ajoaa-1757	169	11	from	from	ADP
ajoaa-1757	169	12	which	which	PRON
ajoaa-1757	169	13	the	the	DET
ajoaa-1757	169	14	loan	loan	NOUN
ajoaa-1757	169	15	was	be	AUX
ajoaa-1757	169	16	obtained	obtain	VERB
ajoaa-1757	169	17	.	.	PUNCT
ajoaa-1757	170	1	the	the	DET
ajoaa-1757	170	2	average	average	ADJ
ajoaa-1757	170	3	savings	saving	NOUN
ajoaa-1757	170	4	figure	figure	NOUN
ajoaa-1757	170	5	is	be	AUX
ajoaa-1757	170	6	relatively	relatively	ADV
ajoaa-1757	170	7	low	low	ADJ
ajoaa-1757	170	8	which	which	PRON
ajoaa-1757	170	9	may	may	AUX
ajoaa-1757	170	10	be	be	AUX
ajoaa-1757	170	11	a	a	DET
ajoaa-1757	170	12	sign	sign	NOUN
ajoaa-1757	170	13	of	of	ADP
ajoaa-1757	170	14	poor	poor	ADJ
ajoaa-1757	170	15	savings	saving	NOUN
ajoaa-1757	170	16	habit	habit	NOUN
ajoaa-1757	170	17	or	or	CCONJ
ajoaa-1757	170	18	higher	high	ADJ
ajoaa-1757	170	19	consumption	consumption	NOUN
ajoaa-1757	170	20	pattern	pattern	NOUN
ajoaa-1757	170	21	of	of	ADP
ajoaa-1757	170	22	farmers	farmer	NOUN
ajoaa-1757	170	23	from	from	ADP
ajoaa-1757	170	24	income	income	NOUN
ajoaa-1757	170	25	that	that	PRON
ajoaa-1757	170	26	accrued	accrue	VERB
ajoaa-1757	170	27	to	to	ADP
ajoaa-1757	170	28	them	they	PRON
ajoaa-1757	170	29	.	.	PUNCT
ajoaa-1757	171	1	those	those	PRON
ajoaa-1757	171	2	who	who	PRON
ajoaa-1757	171	3	did	do	AUX
ajoaa-1757	171	4	not	not	PART
ajoaa-1757	171	5	save	save	VERB
ajoaa-1757	171	6	(	(	PUNCT
ajoaa-1757	171	7	23	23	NUM
ajoaa-1757	171	8	%	%	NOUN
ajoaa-1757	171	9	)	)	PUNCT
ajoaa-1757	171	10	attributed	attribute	VERB
ajoaa-1757	171	11	it	it	PRON
ajoaa-1757	171	12	to	to	ADP
ajoaa-1757	171	13	various	various	ADJ
ajoaa-1757	171	14	reasons	reason	NOUN
ajoaa-1757	171	15	as	as	SCONJ
ajoaa-1757	171	16	shown	show	VERB
ajoaa-1757	171	17	in	in	ADP
ajoaa-1757	171	18	figure	figure	NOUN
ajoaa-1757	171	19	2	2	NUM
ajoaa-1757	171	20	.	.	PUNCT
ajoaa-1757	171	21	asian	asian	ADJ
ajoaa-1757	171	22	journal	journal	PROPN
ajoaa-1757	171	23	of	of	ADP
ajoaa-1757	171	24	agriculture	agriculture	NOUN
ajoaa-1757	171	25	and	and	CCONJ
ajoaa-1757	171	26	rural	rural	ADJ
ajoaa-1757	171	27	development	development	NOUN
ajoaa-1757	171	28	,	,	PUNCT
ajoaa-1757	171	29	8(2)2018	8(2)2018	NUM
ajoaa-1757	171	30	:	:	PUNCT
ajoaa-1757	171	31	74	74	NUM
ajoaa-1757	171	32	-	-	SYM
ajoaa-1757	171	33	91	91	NUM
ajoaa-1757	171	34	81	81	NUM
ajoaa-1757	171	35	figure	figure	NOUN
ajoaa-1757	171	36	2	2	NUM
ajoaa-1757	171	37	:	:	PUNCT
ajoaa-1757	171	38	reasons	reason	NOUN
ajoaa-1757	171	39	some	some	DET
ajoaa-1757	171	40	farmers	farmer	NOUN
ajoaa-1757	171	41	could	could	AUX
ajoaa-1757	171	42	not	not	PART
ajoaa-1757	171	43	save	save	VERB
ajoaa-1757	171	44	source	source	NOUN
ajoaa-1757	171	45	:	:	PUNCT
ajoaa-1757	171	46	field	field	NOUN
ajoaa-1757	171	47	survey	survey	NOUN
ajoaa-1757	171	48	data	datum	NOUN
ajoaa-1757	171	49	,	,	PUNCT
ajoaa-1757	171	50	2015	2015	NUM
ajoaa-1757	171	51	low	low	ADJ
ajoaa-1757	171	52	/	/	SYM
ajoaa-1757	171	53	small	small	ADJ
ajoaa-1757	171	54	income	income	NOUN
ajoaa-1757	171	55	is	be	AUX
ajoaa-1757	171	56	seen	see	VERB
ajoaa-1757	171	57	as	as	ADP
ajoaa-1757	171	58	the	the	DET
ajoaa-1757	171	59	main	main	ADJ
ajoaa-1757	171	60	cause	cause	NOUN
ajoaa-1757	171	61	of	of	ADP
ajoaa-1757	171	62	no	no	DET
ajoaa-1757	171	63	saving	saving	NOUN
ajoaa-1757	171	64	among	among	ADP
ajoaa-1757	171	65	smallholder	smallholder	NOUN
ajoaa-1757	171	66	farmers	farmer	NOUN
ajoaa-1757	171	67	.	.	PUNCT
ajoaa-1757	172	1	the	the	DET
ajoaa-1757	172	2	small	small	ADJ
ajoaa-1757	172	3	income	income	NOUN
ajoaa-1757	172	4	may	may	AUX
ajoaa-1757	172	5	be	be	AUX
ajoaa-1757	172	6	due	due	ADJ
ajoaa-1757	172	7	to	to	ADP
ajoaa-1757	172	8	relatively	relatively	ADV
ajoaa-1757	172	9	low	low	ADJ
ajoaa-1757	172	10	prices	price	NOUN
ajoaa-1757	172	11	they	they	PRON
ajoaa-1757	172	12	might	might	AUX
ajoaa-1757	172	13	have	have	AUX
ajoaa-1757	172	14	received	receive	VERB
ajoaa-1757	172	15	for	for	ADP
ajoaa-1757	172	16	their	their	PRON
ajoaa-1757	172	17	products	product	NOUN
ajoaa-1757	172	18	.	.	PUNCT
ajoaa-1757	173	1	‘	'	PUNCT
ajoaa-1757	173	2	social	social	ADJ
ajoaa-1757	173	3	responsibilities	responsibility	NOUN
ajoaa-1757	173	4	’	'	PUNCT
ajoaa-1757	173	5	is	be	AUX
ajoaa-1757	173	6	the	the	DET
ajoaa-1757	173	7	least	least	ADJ
ajoaa-1757	173	8	reason	reason	NOUN
ajoaa-1757	173	9	for	for	ADP
ajoaa-1757	173	10	not	not	PART
ajoaa-1757	173	11	savings	saving	NOUN
ajoaa-1757	173	12	.	.	PUNCT
ajoaa-1757	174	1	mfis	mfis	PROPN
ajoaa-1757	174	2	need	need	VERB
ajoaa-1757	174	3	to	to	PART
ajoaa-1757	174	4	encourage	encourage	VERB
ajoaa-1757	174	5	their	their	PRON
ajoaa-1757	174	6	clients	client	NOUN
ajoaa-1757	174	7	to	to	PART
ajoaa-1757	174	8	inculcate	inculcate	VERB
ajoaa-1757	174	9	the	the	DET
ajoaa-1757	174	10	habit	habit	NOUN
ajoaa-1757	174	11	of	of	ADP
ajoaa-1757	174	12	saving	saving	NOUN
ajoaa-1757	174	13	.	.	PUNCT
ajoaa-1757	175	1	accumulated	accumulate	VERB
ajoaa-1757	175	2	savings	saving	NOUN
ajoaa-1757	175	3	can	can	AUX
ajoaa-1757	175	4	be	be	AUX
ajoaa-1757	175	5	used	use	VERB
ajoaa-1757	175	6	to	to	PART
ajoaa-1757	175	7	offset	offset	VERB
ajoaa-1757	175	8	repayment	repayment	NOUN
ajoaa-1757	175	9	in	in	ADP
ajoaa-1757	175	10	times	time	NOUN
ajoaa-1757	175	11	of	of	ADP
ajoaa-1757	175	12	repayment	repayment	NOUN
ajoaa-1757	175	13	challenges	challenge	NOUN
ajoaa-1757	175	14	or	or	CCONJ
ajoaa-1757	175	15	to	to	PART
ajoaa-1757	175	16	mitigate	mitigate	VERB
ajoaa-1757	175	17	unforeseen	unforeseen	ADJ
ajoaa-1757	175	18	economic	economic	ADJ
ajoaa-1757	175	19	hardships	hardship	NOUN
ajoaa-1757	175	20	.	.	PUNCT
ajoaa-1757	176	1	such	such	ADJ
ajoaa-1757	176	2	savings	saving	NOUN
ajoaa-1757	176	3	could	could	AUX
ajoaa-1757	176	4	also	also	ADV
ajoaa-1757	176	5	be	be	AUX
ajoaa-1757	176	6	used	use	VERB
ajoaa-1757	176	7	as	as	ADP
ajoaa-1757	176	8	collateral	collateral	NOUN
ajoaa-1757	176	9	for	for	ADP
ajoaa-1757	176	10	accessing	access	VERB
ajoaa-1757	176	11	bigger	big	ADJ
ajoaa-1757	176	12	loans	loan	NOUN
ajoaa-1757	176	13	.	.	PUNCT
ajoaa-1757	177	1	4.3	4.3	NUM
ajoaa-1757	177	2	.	.	PUNCT
ajoaa-1757	177	3	business	business	NOUN
ajoaa-1757	177	4	management	management	NOUN
ajoaa-1757	177	5	training	train	VERB
ajoaa-1757	177	6	the	the	DET
ajoaa-1757	177	7	lending	lending	NOUN
ajoaa-1757	177	8	institutions	institution	NOUN
ajoaa-1757	177	9	provided	provide	VERB
ajoaa-1757	177	10	business	business	NOUN
ajoaa-1757	177	11	management	management	NOUN
ajoaa-1757	177	12	training	training	NOUN
ajoaa-1757	177	13	to	to	ADP
ajoaa-1757	177	14	some	some	PRON
ajoaa-1757	177	15	of	of	ADP
ajoaa-1757	177	16	the	the	DET
ajoaa-1757	177	17	clients	client	NOUN
ajoaa-1757	177	18	.	.	PUNCT
ajoaa-1757	178	1	in	in	ADP
ajoaa-1757	178	2	figure	figure	NOUN
ajoaa-1757	178	3	4	4	NUM
ajoaa-1757	178	4	,	,	PUNCT
ajoaa-1757	178	5	49	49	NUM
ajoaa-1757	178	6	%	%	NOUN
ajoaa-1757	178	7	were	be	AUX
ajoaa-1757	178	8	trained	train	VERB
ajoaa-1757	178	9	on	on	ADP
ajoaa-1757	178	10	how	how	SCONJ
ajoaa-1757	178	11	to	to	PART
ajoaa-1757	178	12	follow	follow	VERB
ajoaa-1757	178	13	loan	loan	NOUN
ajoaa-1757	178	14	repayment	repayment	NOUN
ajoaa-1757	178	15	schedules	schedule	NOUN
ajoaa-1757	178	16	,	,	PUNCT
ajoaa-1757	178	17	38	38	NUM
ajoaa-1757	178	18	%	%	NOUN
ajoaa-1757	178	19	received	receive	VERB
ajoaa-1757	178	20	training	training	NOUN
ajoaa-1757	178	21	on	on	ADP
ajoaa-1757	178	22	use	use	NOUN
ajoaa-1757	178	23	of	of	ADP
ajoaa-1757	178	24	loan	loan	NOUN
ajoaa-1757	178	25	and	and	CCONJ
ajoaa-1757	178	26	13	13	NUM
ajoaa-1757	178	27	%	%	NOUN
ajoaa-1757	178	28	received	receive	VERB
ajoaa-1757	178	29	training	training	NOUN
ajoaa-1757	178	30	on	on	ADP
ajoaa-1757	178	31	keeping	keep	VERB
ajoaa-1757	178	32	business	business	NOUN
ajoaa-1757	178	33	records	record	NOUN
ajoaa-1757	178	34	.	.	PUNCT
ajoaa-1757	179	1	it	it	PRON
ajoaa-1757	179	2	can	can	AUX
ajoaa-1757	179	3	be	be	AUX
ajoaa-1757	179	4	observed	observe	VERB
ajoaa-1757	179	5	in	in	ADP
ajoaa-1757	179	6	figure	figure	NOUN
ajoaa-1757	179	7	4	4	NUM
ajoaa-1757	179	8	that	that	SCONJ
ajoaa-1757	179	9	credit	credit	NOUN
ajoaa-1757	179	10	providers	provider	NOUN
ajoaa-1757	179	11	are	be	AUX
ajoaa-1757	179	12	more	more	ADV
ajoaa-1757	179	13	interested	interested	ADJ
ajoaa-1757	179	14	in	in	ADP
ajoaa-1757	179	15	repayment	repayment	NOUN
ajoaa-1757	179	16	of	of	ADP
ajoaa-1757	179	17	the	the	DET
ajoaa-1757	179	18	credit	credit	NOUN
ajoaa-1757	179	19	advanced	advance	VERB
ajoaa-1757	179	20	to	to	ADP
ajoaa-1757	179	21	farmers	farmer	NOUN
ajoaa-1757	179	22	without	without	ADP
ajoaa-1757	179	23	exerting	exert	VERB
ajoaa-1757	179	24	much	much	ADJ
ajoaa-1757	179	25	pressure	pressure	NOUN
ajoaa-1757	179	26	on	on	ADP
ajoaa-1757	179	27	borrowers	borrower	NOUN
ajoaa-1757	179	28	hence	hence	ADV
ajoaa-1757	179	29	they	they	PRON
ajoaa-1757	179	30	tend	tend	VERB
ajoaa-1757	179	31	to	to	PART
ajoaa-1757	179	32	focus	focus	VERB
ajoaa-1757	179	33	training	training	NOUN
ajoaa-1757	179	34	borrowers	borrower	NOUN
ajoaa-1757	179	35	more	more	ADV
ajoaa-1757	179	36	on	on	ADP
ajoaa-1757	179	37	how	how	SCONJ
ajoaa-1757	179	38	to	to	PART
ajoaa-1757	179	39	follow	follow	VERB
ajoaa-1757	179	40	repayment	repayment	NOUN
ajoaa-1757	179	41	schedule	schedule	NOUN
ajoaa-1757	179	42	to	to	ADP
ajoaa-1757	179	43	the	the	DET
ajoaa-1757	179	44	neglect	neglect	NOUN
ajoaa-1757	179	45	of	of	ADP
ajoaa-1757	179	46	record	record	NOUN
ajoaa-1757	179	47	keeping	keeping	NOUN
ajoaa-1757	179	48	and	and	CCONJ
ajoaa-1757	179	49	credit	credit	NOUN
ajoaa-1757	179	50	utilisation	utilisation	NOUN
ajoaa-1757	179	51	.	.	PUNCT
ajoaa-1757	180	1	figure	figure	VERB
ajoaa-1757	180	2	3	3	NUM
ajoaa-1757	180	3	:	:	PUNCT
ajoaa-1757	180	4	form	form	NOUN
ajoaa-1757	180	5	of	of	ADP
ajoaa-1757	180	6	business	business	NOUN
ajoaa-1757	180	7	training	training	NOUN
ajoaa-1757	180	8	offered	offer	VERB
ajoaa-1757	180	9	by	by	ADP
ajoaa-1757	180	10	lenders	lender	NOUN
ajoaa-1757	180	11	source	source	NOUN
ajoaa-1757	180	12	:	:	PUNCT
ajoaa-1757	180	13	field	field	NOUN
ajoaa-1757	180	14	survey	survey	NOUN
ajoaa-1757	180	15	data	datum	NOUN
ajoaa-1757	180	16	,	,	PUNCT
ajoaa-1757	180	17	2015	2015	NUM
ajoaa-1757	180	18	58	58	NUM
ajoaa-1757	180	19	%	%	NOUN
ajoaa-1757	180	20	25	25	NUM
ajoaa-1757	180	21	%	%	NOUN
ajoaa-1757	180	22	17	17	NUM
ajoaa-1757	180	23	%	%	NOUN
ajoaa-1757	180	24	reasons	reason	NOUN
ajoaa-1757	180	25	for	for	ADP
ajoaa-1757	180	26	not	not	PART
ajoaa-1757	180	27	saving	save	VERB
ajoaa-1757	180	28	small	small	ADJ
ajoaa-1757	180	29	income	income	NOUN
ajoaa-1757	180	30	household	household	NOUN
ajoaa-1757	180	31	consumption	consumption	NOUN
ajoaa-1757	180	32	social	social	ADJ
ajoaa-1757	180	33	responsibilities	responsibility	NOUN
ajoaa-1757	180	34	13	13	NUM
ajoaa-1757	180	35	%	%	NOUN
ajoaa-1757	180	36	38	38	NUM
ajoaa-1757	180	37	%	%	NOUN
ajoaa-1757	180	38	49	49	NUM
ajoaa-1757	180	39	%	%	NOUN
ajoaa-1757	180	40	types	type	NOUN
ajoaa-1757	180	41	of	of	ADP
ajoaa-1757	180	42	training	training	NOUN
ajoaa-1757	180	43	business	business	NOUN
ajoaa-1757	180	44	training	training	NOUN
ajoaa-1757	180	45	use	use	NOUN
ajoaa-1757	180	46	of	of	ADP
ajoaa-1757	180	47	loan	loan	NOUN
ajoaa-1757	180	48	loan	loan	NOUN
ajoaa-1757	180	49	repayment	repayment	NOUN
ajoaa-1757	180	50	asian	asian	ADJ
ajoaa-1757	180	51	journal	journal	NOUN
ajoaa-1757	180	52	of	of	ADP
ajoaa-1757	180	53	agriculture	agriculture	NOUN
ajoaa-1757	180	54	and	and	CCONJ
ajoaa-1757	180	55	rural	rural	ADJ
ajoaa-1757	180	56	development	development	NOUN
ajoaa-1757	180	57	,	,	PUNCT
ajoaa-1757	180	58	8(2)2018	8(2)2018	NUM
ajoaa-1757	180	59	:	:	PUNCT
ajoaa-1757	180	60	74	74	NUM
ajoaa-1757	180	61	-	-	SYM
ajoaa-1757	180	62	91	91	NUM
ajoaa-1757	180	63	82	82	NUM
ajoaa-1757	180	64	4.4	4.4	NUM
ajoaa-1757	180	65	.	.	PUNCT
ajoaa-1757	181	1	loan	loan	NOUN
ajoaa-1757	181	2	fungibility	fungibility	NOUN
ajoaa-1757	181	3	loan	loan	NOUN
ajoaa-1757	181	4	fungibility	fungibility	NOUN
ajoaa-1757	181	5	is	be	AUX
ajoaa-1757	181	6	the	the	DET
ajoaa-1757	181	7	use	use	NOUN
ajoaa-1757	181	8	of	of	ADP
ajoaa-1757	181	9	loan	loan	NOUN
ajoaa-1757	181	10	for	for	ADP
ajoaa-1757	181	11	purposes	purpose	NOUN
ajoaa-1757	181	12	other	other	ADJ
ajoaa-1757	181	13	than	than	ADP
ajoaa-1757	181	14	the	the	DET
ajoaa-1757	181	15	purpose	purpose	NOUN
ajoaa-1757	181	16	for	for	ADP
ajoaa-1757	181	17	which	which	PRON
ajoaa-1757	181	18	the	the	DET
ajoaa-1757	181	19	loan	loan	NOUN
ajoaa-1757	181	20	was	be	AUX
ajoaa-1757	181	21	granted	grant	VERB
ajoaa-1757	181	22	.	.	PUNCT
ajoaa-1757	182	1	sixty	sixty	NUM
ajoaa-1757	182	2	-	-	PUNCT
ajoaa-1757	182	3	nine	nine	NUM
ajoaa-1757	182	4	percent	percent	NOUN
ajoaa-1757	182	5	(	(	PUNCT
ajoaa-1757	182	6	69	69	NUM
ajoaa-1757	182	7	%	%	NOUN
ajoaa-1757	182	8	)	)	PUNCT
ajoaa-1757	182	9	of	of	ADP
ajoaa-1757	182	10	the	the	DET
ajoaa-1757	182	11	farmers	farmer	NOUN
ajoaa-1757	182	12	alluded	allude	VERB
ajoaa-1757	182	13	to	to	ADP
ajoaa-1757	182	14	using	use	VERB
ajoaa-1757	182	15	part	part	NOUN
ajoaa-1757	182	16	of	of	ADP
ajoaa-1757	182	17	their	their	PRON
ajoaa-1757	182	18	credit	credit	NOUN
ajoaa-1757	182	19	on	on	ADP
ajoaa-1757	182	20	other	other	ADJ
ajoaa-1757	182	21	activities	activity	NOUN
ajoaa-1757	182	22	instead	instead	ADV
ajoaa-1757	182	23	of	of	ADP
ajoaa-1757	182	24	investing	invest	VERB
ajoaa-1757	182	25	all	all	ADV
ajoaa-1757	182	26	in	in	ADP
ajoaa-1757	182	27	the	the	DET
ajoaa-1757	182	28	farming	farming	NOUN
ajoaa-1757	182	29	activities	activity	NOUN
ajoaa-1757	182	30	.	.	PUNCT
ajoaa-1757	183	1	amount	amount	NOUN
ajoaa-1757	183	2	used	use	VERB
ajoaa-1757	183	3	ranged	range	VERB
ajoaa-1757	183	4	from	from	ADP
ajoaa-1757	183	5	gh₵	gh₵	PROPN
ajoaa-1757	183	6	50.00	50.00	NUM
ajoaa-1757	183	7	(	(	PUNCT
ajoaa-1757	183	8	≃	≃	DET
ajoaa-1757	183	9	us$	us$	SYM
ajoaa-1757	183	10	14.00	14.00	NUM
ajoaa-1757	183	11	)	)	PUNCT
ajoaa-1757	183	12	to	to	PART
ajoaa-1757	183	13	gh₵	gh₵	VERB
ajoaa-1757	183	14	500.00	500.00	NUM
ajoaa-1757	183	15	(	(	PUNCT
ajoaa-1757	183	16	≃	≃	VERB
ajoaa-1757	183	17	us$	us$	SYM
ajoaa-1757	183	18	139.00	139.00	NUM
ajoaa-1757	183	19	)	)	PUNCT
ajoaa-1757	183	20	with	with	ADP
ajoaa-1757	183	21	an	an	DET
ajoaa-1757	183	22	average	average	ADJ
ajoaa-1757	183	23	usage	usage	NOUN
ajoaa-1757	183	24	of	of	ADP
ajoaa-1757	183	25	gh₵	gh₵	PROPN
ajoaa-1757	183	26	125.64	125.64	NUM
ajoaa-1757	183	27	(	(	PUNCT
ajoaa-1757	183	28	≃	≃	DET
ajoaa-1757	183	29	us$	us$	SYM
ajoaa-1757	183	30	35.00	35.00	NUM
ajoaa-1757	183	31	)	)	PUNCT
ajoaa-1757	183	32	.	.	PUNCT
ajoaa-1757	184	1	reasons	reason	NOUN
ajoaa-1757	184	2	for	for	ADP
ajoaa-1757	184	3	using	use	VERB
ajoaa-1757	184	4	portion	portion	NOUN
ajoaa-1757	184	5	of	of	ADP
ajoaa-1757	184	6	loan	loan	NOUN
ajoaa-1757	184	7	on	on	ADP
ajoaa-1757	184	8	non	non	ADJ
ajoaa-1757	184	9	-	-	ADJ
ajoaa-1757	184	10	income	income	ADJ
ajoaa-1757	184	11	generating	generating	NOUN
ajoaa-1757	184	12	activities	activity	NOUN
ajoaa-1757	184	13	are	be	AUX
ajoaa-1757	184	14	distributed	distribute	VERB
ajoaa-1757	184	15	in	in	ADP
ajoaa-1757	184	16	figure	figure	NOUN
ajoaa-1757	184	17	4	4	NUM
ajoaa-1757	184	18	.	.	PUNCT
ajoaa-1757	184	19	figure	figure	VERB
ajoaa-1757	184	20	4	4	NUM
ajoaa-1757	184	21	:	:	PUNCT
ajoaa-1757	184	22	use	use	NOUN
ajoaa-1757	184	23	of	of	ADP
ajoaa-1757	184	24	loan	loan	NOUN
ajoaa-1757	184	25	for	for	ADP
ajoaa-1757	184	26	other	other	ADJ
ajoaa-1757	184	27	activities	activity	NOUN
ajoaa-1757	184	28	source	source	NOUN
ajoaa-1757	184	29	:	:	PUNCT
ajoaa-1757	184	30	field	field	NOUN
ajoaa-1757	184	31	survey	survey	NOUN
ajoaa-1757	184	32	data	datum	NOUN
ajoaa-1757	184	33	,	,	PUNCT
ajoaa-1757	184	34	2015	2015	NUM
ajoaa-1757	184	35	food	food	NOUN
ajoaa-1757	184	36	consumption	consumption	NOUN
ajoaa-1757	184	37	is	be	AUX
ajoaa-1757	184	38	critical	critical	ADJ
ajoaa-1757	184	39	to	to	ADP
ajoaa-1757	184	40	the	the	DET
ajoaa-1757	184	41	survival	survival	NOUN
ajoaa-1757	184	42	of	of	ADP
ajoaa-1757	184	43	man	man	NOUN
ajoaa-1757	184	44	.	.	PUNCT
ajoaa-1757	185	1	in	in	ADP
ajoaa-1757	185	2	particular	particular	ADJ
ajoaa-1757	185	3	,	,	PUNCT
ajoaa-1757	185	4	during	during	ADP
ajoaa-1757	185	5	off	off	ADP
ajoaa-1757	185	6	-	-	PUNCT
ajoaa-1757	185	7	season	season	NOUN
ajoaa-1757	185	8	when	when	SCONJ
ajoaa-1757	185	9	farm	farm	NOUN
ajoaa-1757	185	10	products	product	NOUN
ajoaa-1757	185	11	become	become	VERB
ajoaa-1757	185	12	scarce	scarce	ADJ
ajoaa-1757	185	13	,	,	PUNCT
ajoaa-1757	185	14	farmers	farmer	NOUN
ajoaa-1757	185	15	may	may	AUX
ajoaa-1757	185	16	rely	rely	VERB
ajoaa-1757	185	17	on	on	ADP
ajoaa-1757	185	18	credit	credit	NOUN
ajoaa-1757	185	19	advanced	advanced	ADJ
ajoaa-1757	185	20	to	to	ADP
ajoaa-1757	185	21	them	they	PRON
ajoaa-1757	185	22	for	for	ADP
ajoaa-1757	185	23	food	food	NOUN
ajoaa-1757	185	24	.	.	PUNCT
ajoaa-1757	186	1	it	it	PRON
ajoaa-1757	186	2	emerged	emerge	VERB
ajoaa-1757	186	3	that	that	SCONJ
ajoaa-1757	186	4	67	67	NUM
ajoaa-1757	186	5	%	%	NOUN
ajoaa-1757	186	6	of	of	ADP
ajoaa-1757	186	7	the	the	DET
ajoaa-1757	186	8	borrowers	borrower	NOUN
ajoaa-1757	186	9	who	who	PRON
ajoaa-1757	186	10	spent	spend	VERB
ajoaa-1757	186	11	part	part	NOUN
ajoaa-1757	186	12	of	of	ADP
ajoaa-1757	186	13	the	the	DET
ajoaa-1757	186	14	credit	credit	NOUN
ajoaa-1757	186	15	on	on	ADP
ajoaa-1757	186	16	non	non	ADJ
ajoaa-1757	186	17	-	-	ADJ
ajoaa-1757	186	18	farm	farm	ADJ
ajoaa-1757	186	19	activities	activity	NOUN
ajoaa-1757	186	20	used	use	VERB
ajoaa-1757	186	21	it	it	PRON
ajoaa-1757	186	22	to	to	PART
ajoaa-1757	186	23	smooth	smooth	VERB
ajoaa-1757	186	24	consumption	consumption	NOUN
ajoaa-1757	186	25	(	(	PUNCT
ajoaa-1757	186	26	buy	buy	VERB
ajoaa-1757	186	27	food	food	NOUN
ajoaa-1757	186	28	for	for	ADP
ajoaa-1757	186	29	the	the	DET
ajoaa-1757	186	30	household	household	NOUN
ajoaa-1757	186	31	)	)	PUNCT
ajoaa-1757	186	32	.	.	PUNCT
ajoaa-1757	187	1	need	need	VERB
ajoaa-1757	187	2	to	to	PART
ajoaa-1757	187	3	pay	pay	VERB
ajoaa-1757	187	4	school	school	NOUN
ajoaa-1757	187	5	fees	fee	NOUN
ajoaa-1757	187	6	(	(	PUNCT
ajoaa-1757	187	7	14	14	NUM
ajoaa-1757	187	8	%	%	NOUN
ajoaa-1757	187	9	)	)	PUNCT
ajoaa-1757	187	10	and	and	CCONJ
ajoaa-1757	187	11	hospital	hospital	NOUN
ajoaa-1757	187	12	bills	bill	NOUN
ajoaa-1757	187	13	(	(	PUNCT
ajoaa-1757	187	14	8	8	NUM
ajoaa-1757	187	15	%	%	NOUN
ajoaa-1757	187	16	)	)	PUNCT
ajoaa-1757	187	17	,	,	PUNCT
ajoaa-1757	187	18	and	and	CCONJ
ajoaa-1757	187	19	others	other	NOUN
ajoaa-1757	187	20	such	such	ADJ
ajoaa-1757	187	21	as	as	ADP
ajoaa-1757	187	22	funeral	funeral	NOUN
ajoaa-1757	187	23	,	,	PUNCT
ajoaa-1757	187	24	marriage	marriage	NOUN
ajoaa-1757	187	25	etc	etc	X
ajoaa-1757	187	26	.	.	X
ajoaa-1757	188	1	(	(	PUNCT
ajoaa-1757	188	2	11	11	NUM
ajoaa-1757	188	3	%	%	NOUN
ajoaa-1757	188	4	)	)	PUNCT
ajoaa-1757	188	5	were	be	AUX
ajoaa-1757	188	6	the	the	DET
ajoaa-1757	188	7	reasons	reason	NOUN
ajoaa-1757	188	8	for	for	ADP
ajoaa-1757	188	9	using	use	VERB
ajoaa-1757	188	10	the	the	DET
ajoaa-1757	188	11	portion	portion	NOUN
ajoaa-1757	188	12	of	of	ADP
ajoaa-1757	188	13	credit	credit	NOUN
ajoaa-1757	188	14	on	on	ADP
ajoaa-1757	188	15	non	non	ADJ
ajoaa-1757	188	16	-	-	ADJ
ajoaa-1757	188	17	income	income	ADJ
ajoaa-1757	188	18	generating	generating	NOUN
ajoaa-1757	188	19	activities	activity	NOUN
ajoaa-1757	188	20	.	.	PUNCT
ajoaa-1757	189	1	microcredit	microcredit	NOUN
ajoaa-1757	189	2	given	give	VERB
ajoaa-1757	189	3	to	to	ADP
ajoaa-1757	189	4	smallholder	smallholder	NOUN
ajoaa-1757	189	5	farmers	farmer	NOUN
ajoaa-1757	189	6	is	be	AUX
ajoaa-1757	189	7	not	not	PART
ajoaa-1757	189	8	only	only	ADV
ajoaa-1757	189	9	used	use	VERB
ajoaa-1757	189	10	on	on	ADP
ajoaa-1757	189	11	income	income	NOUN
ajoaa-1757	189	12	generating	generating	NOUN
ajoaa-1757	189	13	activities	activity	NOUN
ajoaa-1757	189	14	but	but	CCONJ
ajoaa-1757	189	15	also	also	ADV
ajoaa-1757	189	16	non	non	ADJ
ajoaa-1757	189	17	-	-	ADJ
ajoaa-1757	189	18	income	income	ADJ
ajoaa-1757	189	19	generating	generating	NOUN
ajoaa-1757	189	20	activities	activity	NOUN
ajoaa-1757	189	21	.	.	PUNCT
ajoaa-1757	190	1	4.5	4.5	NUM
ajoaa-1757	190	2	.	.	PUNCT
ajoaa-1757	191	1	farmers	farmer	NOUN
ajoaa-1757	191	2	’	’	PART
ajoaa-1757	191	3	perception	perception	NOUN
ajoaa-1757	191	4	of	of	ADP
ajoaa-1757	191	5	delays	delay	NOUN
ajoaa-1757	191	6	in	in	ADP
ajoaa-1757	191	7	loan	loan	NOUN
ajoaa-1757	191	8	disbursement	disbursement	NOUN
ajoaa-1757	191	9	the	the	DET
ajoaa-1757	191	10	procedures	procedure	NOUN
ajoaa-1757	191	11	one	one	PRON
ajoaa-1757	191	12	has	have	VERB
ajoaa-1757	191	13	to	to	PART
ajoaa-1757	191	14	go	go	VERB
ajoaa-1757	191	15	through	through	ADP
ajoaa-1757	191	16	in	in	ADP
ajoaa-1757	191	17	applying	apply	VERB
ajoaa-1757	191	18	for	for	ADP
ajoaa-1757	191	19	credit	credit	NOUN
ajoaa-1757	191	20	was	be	AUX
ajoaa-1757	191	21	perceived	perceive	VERB
ajoaa-1757	191	22	by	by	ADP
ajoaa-1757	191	23	majority	majority	NOUN
ajoaa-1757	191	24	(	(	PUNCT
ajoaa-1757	191	25	64	64	NUM
ajoaa-1757	191	26	%	%	NOUN
ajoaa-1757	191	27	)	)	PUNCT
ajoaa-1757	191	28	of	of	ADP
ajoaa-1757	191	29	the	the	DET
ajoaa-1757	191	30	farmers	farmer	NOUN
ajoaa-1757	191	31	as	as	ADP
ajoaa-1757	191	32	the	the	DET
ajoaa-1757	191	33	main	main	ADJ
ajoaa-1757	191	34	cause	cause	NOUN
ajoaa-1757	191	35	of	of	ADP
ajoaa-1757	191	36	delays	delay	NOUN
ajoaa-1757	191	37	in	in	ADP
ajoaa-1757	191	38	loan	loan	NOUN
ajoaa-1757	191	39	disbursement	disbursement	NOUN
ajoaa-1757	191	40	.	.	PUNCT
ajoaa-1757	192	1	group	group	NOUN
ajoaa-1757	192	2	formation	formation	NOUN
ajoaa-1757	192	3	requirement	requirement	NOUN
ajoaa-1757	192	4	in	in	ADP
ajoaa-1757	192	5	the	the	DET
ajoaa-1757	192	6	view	view	NOUN
ajoaa-1757	192	7	of	of	ADP
ajoaa-1757	192	8	19	19	NUM
ajoaa-1757	192	9	%	%	NOUN
ajoaa-1757	192	10	of	of	ADP
ajoaa-1757	192	11	farmers	farmer	NOUN
ajoaa-1757	192	12	delays	delay	NOUN
ajoaa-1757	192	13	credit	credit	PROPN
ajoaa-1757	192	14	disbursement	disbursement	NOUN
ajoaa-1757	192	15	(	(	PUNCT
ajoaa-1757	192	16	figure	figure	NOUN
ajoaa-1757	192	17	6	6	NUM
ajoaa-1757	192	18	)	)	PUNCT
ajoaa-1757	192	19	.	.	PUNCT
ajoaa-1757	193	1	this	this	PRON
ajoaa-1757	193	2	means	mean	VERB
ajoaa-1757	193	3	that	that	SCONJ
ajoaa-1757	193	4	loans	loan	NOUN
ajoaa-1757	193	5	could	could	AUX
ajoaa-1757	193	6	be	be	AUX
ajoaa-1757	193	7	disbursed	disburse	VERB
ajoaa-1757	193	8	at	at	ADP
ajoaa-1757	193	9	any	any	DET
ajoaa-1757	193	10	time	time	NOUN
ajoaa-1757	193	11	of	of	ADP
ajoaa-1757	193	12	the	the	DET
ajoaa-1757	193	13	year	year	NOUN
ajoaa-1757	193	14	.	.	PUNCT
ajoaa-1757	194	1	given	give	VERB
ajoaa-1757	194	2	the	the	DET
ajoaa-1757	194	3	seasonal	seasonal	ADJ
ajoaa-1757	194	4	nature	nature	NOUN
ajoaa-1757	194	5	of	of	ADP
ajoaa-1757	194	6	economic	economic	ADJ
ajoaa-1757	194	7	activities	activity	NOUN
ajoaa-1757	194	8	in	in	ADP
ajoaa-1757	194	9	the	the	DET
ajoaa-1757	194	10	area	area	NOUN
ajoaa-1757	194	11	,	,	PUNCT
ajoaa-1757	194	12	granting	grant	VERB
ajoaa-1757	194	13	of	of	ADP
ajoaa-1757	194	14	loan	loan	NOUN
ajoaa-1757	194	15	at	at	ADP
ajoaa-1757	194	16	any	any	DET
ajoaa-1757	194	17	time	time	NOUN
ajoaa-1757	194	18	of	of	ADP
ajoaa-1757	194	19	the	the	DET
ajoaa-1757	194	20	year	year	NOUN
ajoaa-1757	194	21	could	could	AUX
ajoaa-1757	194	22	mean	mean	VERB
ajoaa-1757	194	23	mismatch	mismatch	VERB
ajoaa-1757	194	24	between	between	ADP
ajoaa-1757	194	25	loan	loan	NOUN
ajoaa-1757	194	26	disbursement	disbursement	NOUN
ajoaa-1757	194	27	and	and	CCONJ
ajoaa-1757	194	28	time	time	NOUN
ajoaa-1757	194	29	of	of	ADP
ajoaa-1757	194	30	economic	economic	ADJ
ajoaa-1757	194	31	activity	activity	NOUN
ajoaa-1757	194	32	.	.	PUNCT
ajoaa-1757	195	1	this	this	PRON
ajoaa-1757	195	2	has	have	AUX
ajoaa-1757	195	3	also	also	ADV
ajoaa-1757	195	4	been	be	AUX
ajoaa-1757	195	5	reported	report	VERB
ajoaa-1757	195	6	in	in	ADP
ajoaa-1757	195	7	the	the	DET
ajoaa-1757	195	8	eastern	eastern	ADJ
ajoaa-1757	195	9	region	region	NOUN
ajoaa-1757	195	10	of	of	ADP
ajoaa-1757	195	11	ghana	ghana	PROPN
ajoaa-1757	195	12	(	(	PUNCT
ajoaa-1757	195	13	tetteh	tetteh	NOUN
ajoaa-1757	195	14	,	,	PUNCT
ajoaa-1757	195	15	2017	2017	NUM
ajoaa-1757	195	16	)	)	PUNCT
ajoaa-1757	195	17	and	and	CCONJ
ajoaa-1757	195	18	in	in	ADP
ajoaa-1757	195	19	bangladesh	bangladesh	PROPN
ajoaa-1757	195	20	(	(	PUNCT
ajoaa-1757	195	21	imai	imai	PROPN
ajoaa-1757	195	22	and	and	CCONJ
ajoaa-1757	195	23	azam	azam	PROPN
ajoaa-1757	195	24	,	,	PUNCT
ajoaa-1757	195	25	2012	2012	NUM
ajoaa-1757	195	26	)	)	PUNCT
ajoaa-1757	195	27	.	.	PUNCT
ajoaa-1757	196	1	similarly	similarly	ADV
ajoaa-1757	196	2	,	,	PUNCT
ajoaa-1757	196	3	ekong	ekong	NOUN
ajoaa-1757	196	4	and	and	CCONJ
ajoaa-1757	196	5	onye	onye	NOUN
ajoaa-1757	196	6	(	(	PUNCT
ajoaa-1757	196	7	2013	2013	NUM
ajoaa-1757	196	8	)	)	PUNCT
ajoaa-1757	196	9	attributed	attribute	VERB
ajoaa-1757	196	10	poor	poor	ADJ
ajoaa-1757	196	11	loan	loan	NOUN
ajoaa-1757	196	12	performance	performance	NOUN
ajoaa-1757	196	13	in	in	ADP
ajoaa-1757	196	14	nigeria	nigeria	PROPN
ajoaa-1757	196	15	to	to	PART
ajoaa-1757	196	16	mismatch	mismatch	VERB
ajoaa-1757	196	17	of	of	ADP
ajoaa-1757	196	18	credit	credit	NOUN
ajoaa-1757	196	19	with	with	ADP
ajoaa-1757	196	20	seasons	season	NOUN
ajoaa-1757	196	21	.	.	PUNCT
ajoaa-1757	197	1	ekong	ekong	PROPN
ajoaa-1757	197	2	and	and	CCONJ
ajoaa-1757	197	3	onye	onye	NOUN
ajoaa-1757	197	4	(	(	PUNCT
ajoaa-1757	197	5	2013	2013	NUM
ajoaa-1757	197	6	)	)	PUNCT
ajoaa-1757	197	7	,	,	PUNCT
ajoaa-1757	197	8	and	and	CCONJ
ajoaa-1757	197	9	tetteh	tetteh	NOUN
ajoaa-1757	197	10	et	et	PROPN
ajoaa-1757	197	11	al	al	PROPN
ajoaa-1757	197	12	.	.	PROPN
ajoaa-1757	197	13	,	,	PUNCT
ajoaa-1757	197	14	(	(	PUNCT
ajoaa-1757	197	15	2015	2015	NUM
ajoaa-1757	197	16	)	)	PUNCT
ajoaa-1757	197	17	observed	observe	VERB
ajoaa-1757	197	18	that	that	SCONJ
ajoaa-1757	197	19	loans	loan	NOUN
ajoaa-1757	197	20	disbursement	disbursement	NOUN
ajoaa-1757	197	21	flow	flow	NOUN
ajoaa-1757	197	22	to	to	ADP
ajoaa-1757	197	23	micro	micro	ADJ
ajoaa-1757	197	24	and	and	CCONJ
ajoaa-1757	197	25	small	small	ADJ
ajoaa-1757	197	26	business	business	NOUN
ajoaa-1757	197	27	enterprises	enterprise	NOUN
ajoaa-1757	197	28	(	(	PUNCT
ajoaa-1757	197	29	mses	ms	NOUN
ajoaa-1757	197	30	)	)	PUNCT
ajoaa-1757	197	31	disregarded	disregard	VERB
ajoaa-1757	197	32	the	the	DET
ajoaa-1757	197	33	seasons	season	NOUN
ajoaa-1757	197	34	and	and	CCONJ
ajoaa-1757	197	35	this	this	PRON
ajoaa-1757	197	36	not	not	PART
ajoaa-1757	197	37	only	only	ADV
ajoaa-1757	197	38	reduce	reduce	VERB
ajoaa-1757	197	39	growth	growth	NOUN
ajoaa-1757	197	40	and	and	CCONJ
ajoaa-1757	197	41	productivity	productivity	NOUN
ajoaa-1757	197	42	of	of	ADP
ajoaa-1757	197	43	businesses	business	NOUN
ajoaa-1757	197	44	,	,	PUNCT
ajoaa-1757	197	45	but	but	CCONJ
ajoaa-1757	197	46	also	also	ADV
ajoaa-1757	197	47	resulted	result	VERB
ajoaa-1757	197	48	in	in	ADP
ajoaa-1757	197	49	poor	poor	ADJ
ajoaa-1757	197	50	loan	loan	NOUN
ajoaa-1757	197	51	recovery	recovery	NOUN
ajoaa-1757	197	52	rates	rate	NOUN
ajoaa-1757	197	53	.	.	PUNCT
ajoaa-1757	198	1	14	14	NUM
ajoaa-1757	198	2	%	%	NOUN
ajoaa-1757	198	3	8	8	NUM
ajoaa-1757	198	4	%	%	NOUN
ajoaa-1757	198	5	67	67	NUM
ajoaa-1757	198	6	%	%	NOUN
ajoaa-1757	198	7	11	11	NUM
ajoaa-1757	198	8	%	%	NOUN
ajoaa-1757	198	9	activities	activity	NOUN
ajoaa-1757	198	10	children	child	NOUN
ajoaa-1757	198	11	's	's	PART
ajoaa-1757	198	12	school	school	NOUN
ajoaa-1757	198	13	fees	fee	NOUN
ajoaa-1757	198	14	health	health	NOUN
ajoaa-1757	198	15	needs	need	VERB
ajoaa-1757	198	16	smooth	smooth	ADJ
ajoaa-1757	198	17	consumption	consumption	NOUN
ajoaa-1757	198	18	others	other	NOUN
ajoaa-1757	198	19	asian	asian	ADJ
ajoaa-1757	198	20	journal	journal	PROPN
ajoaa-1757	198	21	of	of	ADP
ajoaa-1757	198	22	agriculture	agriculture	NOUN
ajoaa-1757	198	23	and	and	CCONJ
ajoaa-1757	198	24	rural	rural	ADJ
ajoaa-1757	198	25	development	development	NOUN
ajoaa-1757	198	26	,	,	PUNCT
ajoaa-1757	198	27	8(2)2018	8(2)2018	NUM
ajoaa-1757	198	28	:	:	PUNCT
ajoaa-1757	198	29	74	74	NUM
ajoaa-1757	198	30	-	-	SYM
ajoaa-1757	198	31	91	91	NUM
ajoaa-1757	198	32	83	83	NUM
ajoaa-1757	198	33	figure	figure	NOUN
ajoaa-1757	198	34	5	5	NUM
ajoaa-1757	198	35	:	:	PUNCT
ajoaa-1757	198	36	farmers	farmer	NOUN
ajoaa-1757	198	37	perception	perception	NOUN
ajoaa-1757	198	38	on	on	ADP
ajoaa-1757	198	39	causes	cause	NOUN
ajoaa-1757	198	40	of	of	ADP
ajoaa-1757	198	41	delay	delay	NOUN
ajoaa-1757	198	42	of	of	ADP
ajoaa-1757	198	43	disbursement	disbursement	NOUN
ajoaa-1757	198	44	of	of	ADP
ajoaa-1757	198	45	credit	credit	NOUN
ajoaa-1757	198	46	source	source	NOUN
ajoaa-1757	198	47	:	:	PUNCT
ajoaa-1757	198	48	field	field	NOUN
ajoaa-1757	198	49	survey	survey	NOUN
ajoaa-1757	198	50	data	datum	NOUN
ajoaa-1757	198	51	,	,	PUNCT
ajoaa-1757	198	52	2015	2015	NUM
ajoaa-1757	198	53	requirement	requirement	NOUN
ajoaa-1757	198	54	of	of	ADP
ajoaa-1757	198	55	collateral	collateral	NOUN
ajoaa-1757	198	56	(	(	PUNCT
ajoaa-1757	198	57	3	3	NUM
ajoaa-1757	198	58	%	%	NOUN
ajoaa-1757	198	59	)	)	PUNCT
ajoaa-1757	198	60	is	be	AUX
ajoaa-1757	198	61	perceived	perceive	VERB
ajoaa-1757	198	62	the	the	DET
ajoaa-1757	198	63	least	least	ADJ
ajoaa-1757	198	64	cause	cause	NOUN
ajoaa-1757	198	65	of	of	ADP
ajoaa-1757	198	66	delay	delay	NOUN
ajoaa-1757	198	67	,	,	PUNCT
ajoaa-1757	198	68	formation	formation	NOUN
ajoaa-1757	198	69	of	of	ADP
ajoaa-1757	198	70	groups	group	NOUN
ajoaa-1757	198	71	(	(	PUNCT
ajoaa-1757	198	72	fbo	fbo	NOUN
ajoaa-1757	198	73	)	)	PUNCT
ajoaa-1757	198	74	(	(	PUNCT
ajoaa-1757	198	75	19	19	NUM
ajoaa-1757	198	76	%	%	NOUN
ajoaa-1757	198	77	)	)	PUNCT
ajoaa-1757	198	78	and	and	CCONJ
ajoaa-1757	198	79	requirement	requirement	NOUN
ajoaa-1757	198	80	of	of	ADP
ajoaa-1757	198	81	a	a	DET
ajoaa-1757	198	82	guarantor	guarantor	NOUN
ajoaa-1757	198	83	(	(	PUNCT
ajoaa-1757	198	84	11	11	NUM
ajoaa-1757	198	85	%	%	NOUN
ajoaa-1757	198	86	)	)	PUNCT
ajoaa-1757	198	87	came	come	VERB
ajoaa-1757	198	88	second	second	ADJ
ajoaa-1757	198	89	and	and	CCONJ
ajoaa-1757	198	90	third	third	ADJ
ajoaa-1757	198	91	respectively	respectively	ADV
ajoaa-1757	198	92	.	.	PUNCT
ajoaa-1757	199	1	formation	formation	NOUN
ajoaa-1757	199	2	of	of	ADP
ajoaa-1757	199	3	fbos	fbos	PROPN
ajoaa-1757	199	4	may	may	AUX
ajoaa-1757	199	5	require	require	VERB
ajoaa-1757	199	6	time	time	NOUN
ajoaa-1757	199	7	to	to	PART
ajoaa-1757	199	8	register	register	VERB
ajoaa-1757	199	9	and	and	CCONJ
ajoaa-1757	199	10	assemble	assemble	VERB
ajoaa-1757	199	11	members	member	NOUN
ajoaa-1757	199	12	who	who	PRON
ajoaa-1757	199	13	may	may	AUX
ajoaa-1757	199	14	not	not	PART
ajoaa-1757	199	15	reside	reside	VERB
ajoaa-1757	199	16	in	in	ADP
ajoaa-1757	199	17	one	one	NUM
ajoaa-1757	199	18	community	community	NOUN
ajoaa-1757	199	19	.	.	PUNCT
ajoaa-1757	200	1	the	the	DET
ajoaa-1757	200	2	fact	fact	NOUN
ajoaa-1757	200	3	that	that	SCONJ
ajoaa-1757	200	4	fact	fact	NOUN
ajoaa-1757	200	5	collateral	collateral	ADJ
ajoaa-1757	200	6	requirement	requirement	NOUN
ajoaa-1757	200	7	is	be	AUX
ajoaa-1757	200	8	the	the	DET
ajoaa-1757	200	9	least	least	ADJ
ajoaa-1757	200	10	supports	support	VERB
ajoaa-1757	200	11	previous	previous	ADJ
ajoaa-1757	200	12	findings	finding	NOUN
ajoaa-1757	200	13	that	that	SCONJ
ajoaa-1757	200	14	most	most	ADJ
ajoaa-1757	200	15	microcredit	microcredit	NOUN
ajoaa-1757	200	16	borrowers	borrower	NOUN
ajoaa-1757	200	17	are	be	AUX
ajoaa-1757	200	18	poor	poor	ADJ
ajoaa-1757	200	19	and	and	CCONJ
ajoaa-1757	200	20	can	can	AUX
ajoaa-1757	200	21	not	not	PART
ajoaa-1757	200	22	provide	provide	VERB
ajoaa-1757	200	23	collateral	collateral	NOUN
ajoaa-1757	200	24	to	to	PART
ajoaa-1757	200	25	obtain	obtain	VERB
ajoaa-1757	200	26	huge	huge	ADJ
ajoaa-1757	200	27	sums	sum	NOUN
ajoaa-1757	200	28	of	of	ADP
ajoaa-1757	200	29	loans	loan	NOUN
ajoaa-1757	200	30	(	(	PUNCT
ajoaa-1757	200	31	ganle	ganle	NOUN
ajoaa-1757	200	32	et	et	PROPN
ajoaa-1757	200	33	al	al	PROPN
ajoaa-1757	200	34	.	.	PROPN
ajoaa-1757	200	35	,	,	PUNCT
ajoaa-1757	200	36	2015	2015	NUM
ajoaa-1757	200	37	)	)	PUNCT
ajoaa-1757	200	38	.	.	PUNCT
ajoaa-1757	201	1	loan	loan	NOUN
ajoaa-1757	201	2	application	application	NOUN
ajoaa-1757	201	3	process	process	NOUN
ajoaa-1757	201	4	appears	appear	VERB
ajoaa-1757	201	5	to	to	PART
ajoaa-1757	201	6	be	be	AUX
ajoaa-1757	201	7	cumbersome	cumbersome	ADJ
ajoaa-1757	201	8	(	(	PUNCT
ajoaa-1757	201	9	59	59	NUM
ajoaa-1757	201	10	%	%	NOUN
ajoaa-1757	201	11	)	)	PUNCT
ajoaa-1757	201	12	and	and	CCONJ
ajoaa-1757	201	13	this	this	PRON
ajoaa-1757	201	14	is	be	AUX
ajoaa-1757	201	15	supported	support	VERB
ajoaa-1757	201	16	by	by	ADP
ajoaa-1757	201	17	the	the	DET
ajoaa-1757	201	18	fact	fact	NOUN
ajoaa-1757	201	19	that	that	SCONJ
ajoaa-1757	201	20	64	64	NUM
ajoaa-1757	201	21	%	%	NOUN
ajoaa-1757	201	22	of	of	ADP
ajoaa-1757	201	23	delays	delay	NOUN
ajoaa-1757	201	24	in	in	ADP
ajoaa-1757	201	25	disbursement	disbursement	NOUN
ajoaa-1757	201	26	;	;	PUNCT
ajoaa-1757	201	27	long	long	ADJ
ajoaa-1757	201	28	application	application	NOUN
ajoaa-1757	201	29	procedure	procedure	NOUN
ajoaa-1757	201	30	was	be	AUX
ajoaa-1757	201	31	perceived	perceive	VERB
ajoaa-1757	201	32	to	to	PART
ajoaa-1757	201	33	be	be	AUX
ajoaa-1757	201	34	the	the	DET
ajoaa-1757	201	35	cause	cause	NOUN
ajoaa-1757	201	36	.	.	PUNCT
ajoaa-1757	202	1	4.6	4.6	NUM
ajoaa-1757	202	2	.	.	PUNCT
ajoaa-1757	202	3	determinants	determinant	NOUN
ajoaa-1757	202	4	of	of	ADP
ajoaa-1757	202	5	repayment	repayment	NOUN
ajoaa-1757	202	6	of	of	ADP
ajoaa-1757	202	7	microcredit	microcredit	NOUN
ajoaa-1757	202	8	the	the	DET
ajoaa-1757	202	9	findings	finding	NOUN
ajoaa-1757	202	10	on	on	ADP
ajoaa-1757	202	11	the	the	DET
ajoaa-1757	202	12	determinants	determinant	NOUN
ajoaa-1757	202	13	of	of	ADP
ajoaa-1757	202	14	repayment	repayment	NOUN
ajoaa-1757	202	15	of	of	ADP
ajoaa-1757	202	16	microcredit	microcredit	NOUN
ajoaa-1757	202	17	are	be	AUX
ajoaa-1757	202	18	both	both	ADV
ajoaa-1757	202	19	consistent	consistent	ADJ
ajoaa-1757	202	20	as	as	ADV
ajoaa-1757	202	21	well	well	ADV
ajoaa-1757	202	22	as	as	ADP
ajoaa-1757	202	23	inconsistent	inconsistent	ADJ
ajoaa-1757	202	24	with	with	ADP
ajoaa-1757	202	25	existing	exist	VERB
ajoaa-1757	202	26	research	research	NOUN
ajoaa-1757	202	27	findings	finding	NOUN
ajoaa-1757	202	28	on	on	ADP
ajoaa-1757	202	29	microcredit	microcredit	NOUN
ajoaa-1757	202	30	.	.	PUNCT
ajoaa-1757	203	1	specifically	specifically	ADV
ajoaa-1757	203	2	,	,	PUNCT
ajoaa-1757	203	3	the	the	DET
ajoaa-1757	203	4	variables	variable	NOUN
ajoaa-1757	203	5	age	age	NOUN
ajoaa-1757	203	6	,	,	PUNCT
ajoaa-1757	203	7	gender	gender	NOUN
ajoaa-1757	203	8	,	,	PUNCT
ajoaa-1757	203	9	fbo	fbo	PROPN
ajoaa-1757	203	10	,	,	PUNCT
ajoaa-1757	203	11	experience	experience	NOUN
ajoaa-1757	203	12	,	,	PUNCT
ajoaa-1757	203	13	dependants	dependant	NOUN
ajoaa-1757	203	14	,	,	PUNCT
ajoaa-1757	203	15	income	income	NOUN
ajoaa-1757	203	16	,	,	PUNCT
ajoaa-1757	203	17	interest	interest	NOUN
ajoaa-1757	203	18	rate	rate	NOUN
ajoaa-1757	203	19	,	,	PUNCT
ajoaa-1757	203	20	and	and	CCONJ
ajoaa-1757	203	21	repayment	repayment	NOUN
ajoaa-1757	203	22	period	period	NOUN
ajoaa-1757	203	23	are	be	AUX
ajoaa-1757	203	24	statistically	statistically	ADV
ajoaa-1757	203	25	significant	significant	ADJ
ajoaa-1757	203	26	,	,	PUNCT
ajoaa-1757	203	27	but	but	CCONJ
ajoaa-1757	203	28	pressure	pressure	NOUN
ajoaa-1757	203	29	,	,	PUNCT
ajoaa-1757	203	30	level	level	NOUN
ajoaa-1757	203	31	of	of	ADP
ajoaa-1757	203	32	education	education	NOUN
ajoaa-1757	203	33	and	and	CCONJ
ajoaa-1757	203	34	total	total	ADJ
ajoaa-1757	203	35	credit	credit	NOUN
ajoaa-1757	203	36	granted	grant	VERB
ajoaa-1757	203	37	are	be	AUX
ajoaa-1757	203	38	statistically	statistically	ADV
ajoaa-1757	203	39	insignificant	insignificant	ADJ
ajoaa-1757	203	40	.	.	PUNCT
ajoaa-1757	204	1	the	the	DET
ajoaa-1757	204	2	pseudo	pseudo	NOUN
ajoaa-1757	204	3	r	r	NOUN
ajoaa-1757	204	4	-	-	PUNCT
ajoaa-1757	204	5	squared	square	VERB
ajoaa-1757	204	6	of	of	ADP
ajoaa-1757	204	7	63.8	63.8	NUM
ajoaa-1757	204	8	%	%	NOUN
ajoaa-1757	204	9	suggests	suggest	VERB
ajoaa-1757	204	10	that	that	SCONJ
ajoaa-1757	204	11	the	the	DET
ajoaa-1757	204	12	independent	independent	ADJ
ajoaa-1757	204	13	variables	variable	NOUN
ajoaa-1757	204	14	explain	explain	VERB
ajoaa-1757	204	15	approximately	approximately	ADV
ajoaa-1757	204	16	64	64	NUM
ajoaa-1757	204	17	%	%	NOUN
ajoaa-1757	204	18	of	of	ADP
ajoaa-1757	204	19	the	the	DET
ajoaa-1757	204	20	factors	factor	NOUN
ajoaa-1757	204	21	influencing	influence	VERB
ajoaa-1757	204	22	the	the	DET
ajoaa-1757	204	23	rate	rate	NOUN
ajoaa-1757	204	24	of	of	ADP
ajoaa-1757	204	25	repayment	repayment	NOUN
ajoaa-1757	204	26	.	.	PUNCT
ajoaa-1757	205	1	the	the	DET
ajoaa-1757	205	2	model	model	NOUN
ajoaa-1757	205	3	is	be	AUX
ajoaa-1757	205	4	asymptotically	asymptotically	ADV
ajoaa-1757	205	5	significant	significant	ADJ
ajoaa-1757	205	6	at	at	ADP
ajoaa-1757	205	7	1	1	NUM
ajoaa-1757	205	8	%	%	NOUN
ajoaa-1757	205	9	level	level	NOUN
ajoaa-1757	205	10	of	of	ADP
ajoaa-1757	205	11	significance	significance	NOUN
ajoaa-1757	205	12	.	.	PUNCT
ajoaa-1757	206	1	a	a	DET
ajoaa-1757	206	2	summary	summary	NOUN
ajoaa-1757	206	3	of	of	ADP
ajoaa-1757	206	4	the	the	DET
ajoaa-1757	206	5	results	result	NOUN
ajoaa-1757	206	6	is	be	AUX
ajoaa-1757	206	7	shown	show	VERB
ajoaa-1757	206	8	on	on	ADP
ajoaa-1757	206	9	table	table	NOUN
ajoaa-1757	206	10	2	2	NUM
ajoaa-1757	206	11	and	and	CCONJ
ajoaa-1757	206	12	details	detail	NOUN
ajoaa-1757	206	13	can	can	AUX
ajoaa-1757	206	14	be	be	AUX
ajoaa-1757	206	15	seen	see	VERB
ajoaa-1757	206	16	in	in	ADP
ajoaa-1757	206	17	appendix	appendix	ADJ
ajoaa-1757	206	18	table	table	NOUN
ajoaa-1757	206	19	2	2	NUM
ajoaa-1757	206	20	:	:	PUNCT
ajoaa-1757	206	21	logistic	logistic	ADJ
ajoaa-1757	206	22	regression	regression	NOUN
ajoaa-1757	206	23	of	of	ADP
ajoaa-1757	206	24	factors	factor	NOUN
ajoaa-1757	206	25	determining	determine	VERB
ajoaa-1757	206	26	repayment	repayment	NOUN
ajoaa-1757	206	27	of	of	ADP
ajoaa-1757	206	28	microcredit	microcredit	PROPN
ajoaa-1757	206	29	dependent	dependent	ADJ
ajoaa-1757	206	30	variable	variable	NOUN
ajoaa-1757	206	31	:	:	PUNCT
ajoaa-1757	206	32	repayment	repayment	NOUN
ajoaa-1757	206	33	ability	ability	NOUN
ajoaa-1757	206	34	of	of	ADP
ajoaa-1757	206	35	microcredit	microcredit	NOUN
ajoaa-1757	206	36	borrowers	borrower	NOUN
ajoaa-1757	206	37	(	(	PUNCT
ajoaa-1757	206	38	binary	binary	ADJ
ajoaa-1757	206	39	)	)	PUNCT
ajoaa-1757	206	40	variable	variable	ADJ
ajoaa-1757	206	41	coefficient	coefficient	NOUN
ajoaa-1757	206	42	standard	standard	ADJ
ajoaa-1757	206	43	error	error	NOUN
ajoaa-1757	206	44	p>|z|	p>|z|	VERB
ajoaa-1757	206	45	marginal	marginal	ADJ
ajoaa-1757	206	46	effects	effect	NOUN
ajoaa-1757	206	47	education	education	NOUN
ajoaa-1757	206	48	0.341	0.341	NUM
ajoaa-1757	206	49	0.731	0.731	NUM
ajoaa-1757	206	50	0.642	0.642	NUM
ajoaa-1757	206	51	0.457	0.457	NUM
ajoaa-1757	206	52	age	age	NOUN
ajoaa-1757	206	53	0.047	0.047	NUM
ajoaa-1757	206	54	0.033	0.033	NUM
ajoaa-1757	206	55	0.083	0.083	NUM
ajoaa-1757	206	56	0.012	0.012	NUM
ajoaa-1757	206	57	*	*	PUNCT
ajoaa-1757	206	58	gender	gender	NOUN
ajoaa-1757	206	59	0.223	0.223	NUM
ajoaa-1757	206	60	0.578	0.578	NUM
ajoaa-1757	206	61	0.004	0.004	NUM
ajoaa-1757	206	62	0.675	0.675	NUM
ajoaa-1757	206	63	*	*	PUNCT
ajoaa-1757	206	64	*	*	PUNCT
ajoaa-1757	206	65	*	*	PUNCT
ajoaa-1757	206	66	distance	distance	NOUN
ajoaa-1757	206	67	-0.004	-0.004	PUNCT
ajoaa-1757	206	68	0.019	0.019	NUM
ajoaa-1757	206	69	0.827	0.827	NUM
ajoaa-1757	206	70	-0.079	-0.079	SYM
ajoaa-1757	207	1	fbo	fbo	PROPN
ajoaa-1757	207	2	-0.983	-0.983	NOUN
ajoaa-1757	207	3	0.504	0.504	NUM
ajoaa-1757	207	4	0.001	0.001	NUM
ajoaa-1757	207	5	-0.430	-0.430	NOUN
ajoaa-1757	207	6	*	*	PUNCT
ajoaa-1757	207	7	*	*	PUNCT
ajoaa-1757	207	8	*	*	PUNCT
ajoaa-1757	207	9	experience	experience	NOUN
ajoaa-1757	207	10	-0.054	-0.054	NOUN
ajoaa-1757	207	11	0.040	0.040	NUM
ajoaa-1757	207	12	0.013	0.013	NUM
ajoaa-1757	207	13	-0.006	-0.006	X
ajoaa-1757	207	14	*	*	NOUN
ajoaa-1757	207	15	*	*	NOUN
ajoaa-1757	207	16	dependants	dependant	NOUN
ajoaa-1757	207	17	0.249	0.249	NUM
ajoaa-1757	207	18	0.128	0.128	NUM
ajoaa-1757	207	19	0.052	0.052	NUM
ajoaa-1757	207	20	0.156	0.156	NUM
ajoaa-1757	207	21	*	*	PUNCT
ajoaa-1757	207	22	income	income	NOUN
ajoaa-1757	207	23	0.002	0.002	NUM
ajoaa-1757	207	24	0.005	0.005	NUM
ajoaa-1757	207	25	0.004	0.004	NUM
ajoaa-1757	207	26	0.053	0.053	NUM
ajoaa-1757	207	27	*	*	PUNCT
ajoaa-1757	207	28	*	*	PUNCT
ajoaa-1757	207	29	*	*	PUNCT
ajoaa-1757	207	30	pressure	pressure	NOUN
ajoaa-1757	207	31	0.295	0.295	NUM
ajoaa-1757	207	32	0.643	0.643	NUM
ajoaa-1757	207	33	0.646	0.646	NUM
ajoaa-1757	207	34	0.001	0.001	NUM
ajoaa-1757	207	35	interest	interest	NOUN
ajoaa-1757	207	36	rate	rate	NOUN
ajoaa-1757	207	37	-5.215	-5.215	VERB
ajoaa-1757	207	38	0.759	0.759	NUM
ajoaa-1757	207	39	0.000	0.000	NUM
ajoaa-1757	207	40	-0.443	-0.443	NUM
ajoaa-1757	207	41	*	*	PUNCT
ajoaa-1757	207	42	*	*	PUNCT
ajoaa-1757	207	43	*	*	PUNCT
ajoaa-1757	207	44	quantum	quantum	NOUN
ajoaa-1757	207	45	of	of	ADP
ajoaa-1757	207	46	loan	loan	NOUN
ajoaa-1757	207	47	0.231	0.231	NUM
ajoaa-1757	207	48	0.143	0.143	NUM
ajoaa-1757	207	49	0.335	0.335	NUM
ajoaa-1757	207	50	0.321	0.321	NUM
ajoaa-1757	207	51	repayment	repayment	NOUN
ajoaa-1757	207	52	duration	duration	NOUN
ajoaa-1757	207	53	-0.311	-0.311	NOUN
ajoaa-1757	207	54	0.032	0.032	NUM
ajoaa-1757	207	55	0.049	0.049	NUM
ajoaa-1757	207	56	-0.271	-0.271	PUNCT
ajoaa-1757	207	57	*	*	PUNCT
ajoaa-1757	207	58	*	*	NOUN
ajoaa-1757	207	59	64	64	NUM
ajoaa-1757	207	60	%	%	NOUN
ajoaa-1757	207	61	19	19	NUM
ajoaa-1757	207	62	%	%	NOUN
ajoaa-1757	207	63	3	3	NUM
ajoaa-1757	207	64	%	%	NOUN
ajoaa-1757	207	65	14	14	NUM
ajoaa-1757	207	66	%	%	NOUN
ajoaa-1757	207	67	causes	cause	NOUN
ajoaa-1757	207	68	of	of	ADP
ajoaa-1757	207	69	delay	delay	NOUN
ajoaa-1757	207	70	of	of	ADP
ajoaa-1757	207	71	microcredit	microcredit	NOUN
ajoaa-1757	207	72	long	long	ADJ
ajoaa-1757	207	73	application	application	NOUN
ajoaa-1757	207	74	procedure	procedure	NOUN
ajoaa-1757	207	75	formation	formation	NOUN
ajoaa-1757	207	76	of	of	ADP
ajoaa-1757	207	77	group	group	NOUN
ajoaa-1757	207	78	(	(	PUNCT
ajoaa-1757	207	79	fbo	fbo	PROPN
ajoaa-1757	207	80	)	)	PUNCT
ajoaa-1757	207	81	collateral	collateral	ADJ
ajoaa-1757	207	82	requirement	requirement	NOUN
ajoaa-1757	207	83	requirement	requirement	NOUN
ajoaa-1757	207	84	of	of	ADP
ajoaa-1757	207	85	a	a	DET
ajoaa-1757	207	86	guarantor	guarantor	NOUN
ajoaa-1757	207	87	asian	asian	PROPN
ajoaa-1757	207	88	journal	journal	PROPN
ajoaa-1757	207	89	of	of	ADP
ajoaa-1757	207	90	agriculture	agriculture	NOUN
ajoaa-1757	207	91	and	and	CCONJ
ajoaa-1757	207	92	rural	rural	ADJ
ajoaa-1757	207	93	development	development	NOUN
ajoaa-1757	207	94	,	,	PUNCT
ajoaa-1757	207	95	8(2)2018	8(2)2018	NUM
ajoaa-1757	207	96	:	:	PUNCT
ajoaa-1757	207	97	74	74	NUM
ajoaa-1757	207	98	-	-	SYM
ajoaa-1757	207	99	91	91	NUM
ajoaa-1757	207	100	84	84	NUM
ajoaa-1757	207	101	constant	constant	ADJ
ajoaa-1757	207	102	-1.369	-1.369	ADP
ajoaa-1757	207	103	1.245	1.245	NUM
ajoaa-1757	207	104	0.271	0.271	NUM
ajoaa-1757	207	105	no	no	NOUN
ajoaa-1757	207	106	.	.	PUNCT
ajoaa-1757	208	1	objs	objs	NOUN
ajoaa-1757	208	2	.	.	PUNCT
ajoaa-1757	209	1	=	=	NOUN
ajoaa-1757	209	2	224	224	NUM
ajoaa-1757	209	3	;	;	PUNCT
ajoaa-1757	209	4	wald	wald	X
ajoaa-1757	209	5	chi2(10	chi2(10	PROPN
ajoaa-1757	209	6	)	)	PUNCT
ajoaa-1757	210	1	=	=	PROPN
ajoaa-1757	210	2	46.12	46.12	NUM
ajoaa-1757	210	3	;	;	PUNCT
ajoaa-1757	210	4	prob	prob	NOUN
ajoaa-1757	210	5	>	>	X
ajoaa-1757	210	6	chi2	chi2	PROPN
ajoaa-1757	210	7	=	=	NOUN
ajoaa-1757	210	8	0.000	0.000	NUM
ajoaa-1757	210	9	log	log	NOUN
ajoaa-1757	210	10	lh	lh	PROPN
ajoaa-1757	210	11	=	=	PRON
ajoaa-1757	210	12	-38.918	-38.918	PROPN
ajoaa-1757	210	13	;	;	PUNCT
ajoaa-1757	210	14	pseudo	pseudo	NOUN
ajoaa-1757	210	15	r2	r2	NOUN
ajoaa-1757	210	16	=	=	NOUN
ajoaa-1757	210	17	0.638	0.638	NUM
ajoaa-1757	210	18	*	*	PUNCT
ajoaa-1757	210	19	*	*	PUNCT
ajoaa-1757	210	20	*	*	PUNCT
ajoaa-1757	210	21	significant	significant	ADJ
ajoaa-1757	210	22	at	at	ADP
ajoaa-1757	210	23	1	1	NUM
ajoaa-1757	210	24	%	%	NOUN
ajoaa-1757	210	25	;	;	PUNCT
ajoaa-1757	210	26	*	*	PUNCT
ajoaa-1757	210	27	*	*	PUNCT
ajoaa-1757	210	28	significant	significant	ADJ
ajoaa-1757	210	29	at	at	ADP
ajoaa-1757	210	30	5	5	NUM
ajoaa-1757	210	31	%	%	NOUN
ajoaa-1757	210	32	and	and	CCONJ
ajoaa-1757	210	33	*	*	NOUN
ajoaa-1757	210	34	significant	significant	ADJ
ajoaa-1757	210	35	at	at	ADP
ajoaa-1757	210	36	10	10	NUM
ajoaa-1757	210	37	%	%	NOUN
ajoaa-1757	210	38	stata	stata	NOUN
ajoaa-1757	210	39	results	result	NOUN
ajoaa-1757	210	40	of	of	ADP
ajoaa-1757	210	41	survey	survey	NOUN
ajoaa-1757	210	42	data	datum	NOUN
ajoaa-1757	210	43	,	,	PUNCT
ajoaa-1757	210	44	2015	2015	NUM
ajoaa-1757	210	45	education	education	NOUN
ajoaa-1757	210	46	from	from	ADP
ajoaa-1757	210	47	the	the	DET
ajoaa-1757	210	48	model	model	NOUN
ajoaa-1757	210	49	,	,	PUNCT
ajoaa-1757	210	50	level	level	NOUN
ajoaa-1757	210	51	of	of	ADP
ajoaa-1757	210	52	education	education	NOUN
ajoaa-1757	210	53	has	have	VERB
ajoaa-1757	210	54	a	a	DET
ajoaa-1757	210	55	positive	positive	ADJ
ajoaa-1757	210	56	relationship	relationship	NOUN
ajoaa-1757	210	57	with	with	ADP
ajoaa-1757	210	58	repayment	repayment	NOUN
ajoaa-1757	210	59	.	.	PUNCT
ajoaa-1757	211	1	this	this	PRON
ajoaa-1757	211	2	implies	imply	VERB
ajoaa-1757	211	3	that	that	SCONJ
ajoaa-1757	211	4	the	the	PRON
ajoaa-1757	211	5	higher	high	ADJ
ajoaa-1757	211	6	the	the	DET
ajoaa-1757	211	7	level	level	NOUN
ajoaa-1757	211	8	of	of	ADP
ajoaa-1757	211	9	education	education	NOUN
ajoaa-1757	211	10	of	of	ADP
ajoaa-1757	211	11	the	the	DET
ajoaa-1757	211	12	farmer	farmer	NOUN
ajoaa-1757	211	13	,	,	PUNCT
ajoaa-1757	211	14	the	the	PRON
ajoaa-1757	211	15	higher	high	ADJ
ajoaa-1757	211	16	the	the	DET
ajoaa-1757	211	17	probability	probability	NOUN
ajoaa-1757	211	18	of	of	ADP
ajoaa-1757	211	19	repayment	repayment	NOUN
ajoaa-1757	211	20	.	.	PUNCT
ajoaa-1757	212	1	the	the	DET
ajoaa-1757	212	2	marginal	marginal	ADJ
ajoaa-1757	212	3	effect	effect	NOUN
ajoaa-1757	212	4	of	of	ADP
ajoaa-1757	212	5	0.46	0.46	NUM
ajoaa-1757	212	6	implies	imply	VERB
ajoaa-1757	212	7	that	that	SCONJ
ajoaa-1757	212	8	an	an	DET
ajoaa-1757	212	9	educational	educational	ADJ
ajoaa-1757	212	10	level	level	NOUN
ajoaa-1757	212	11	up	up	ADP
ajoaa-1757	212	12	to	to	ADP
ajoaa-1757	212	13	jhs	jhs	PROPN
ajoaa-1757	212	14	(	(	PUNCT
ajoaa-1757	212	15	junior	junior	ADJ
ajoaa-1757	212	16	high	high	ADJ
ajoaa-1757	212	17	school	school	NOUN
ajoaa-1757	212	18	)	)	PUNCT
ajoaa-1757	212	19	increases	increase	VERB
ajoaa-1757	212	20	the	the	DET
ajoaa-1757	212	21	likelihood	likelihood	NOUN
ajoaa-1757	212	22	of	of	ADP
ajoaa-1757	212	23	repayment	repayment	NOUN
ajoaa-1757	212	24	by	by	ADP
ajoaa-1757	212	25	46	46	NUM
ajoaa-1757	212	26	%	%	NOUN
ajoaa-1757	212	27	.	.	PUNCT
ajoaa-1757	213	1	the	the	DET
ajoaa-1757	213	2	result	result	NOUN
ajoaa-1757	213	3	is	be	AUX
ajoaa-1757	213	4	,	,	PUNCT
ajoaa-1757	213	5	however	however	ADV
ajoaa-1757	213	6	,	,	PUNCT
ajoaa-1757	213	7	statistically	statistically	ADV
ajoaa-1757	213	8	insignificant	insignificant	ADJ
ajoaa-1757	213	9	.	.	PUNCT
ajoaa-1757	214	1	age	age	NOUN
ajoaa-1757	214	2	age	age	NOUN
ajoaa-1757	214	3	,	,	PUNCT
ajoaa-1757	214	4	influences	influence	VERB
ajoaa-1757	214	5	repayment	repayment	NOUN
ajoaa-1757	214	6	in	in	ADP
ajoaa-1757	214	7	the	the	DET
ajoaa-1757	214	8	positive	positive	ADJ
ajoaa-1757	214	9	direction	direction	NOUN
ajoaa-1757	214	10	.	.	PUNCT
ajoaa-1757	215	1	it	it	PRON
ajoaa-1757	215	2	is	be	AUX
ajoaa-1757	215	3	significant	significant	ADJ
ajoaa-1757	215	4	at	at	ADP
ajoaa-1757	215	5	10	10	NUM
ajoaa-1757	215	6	%	%	NOUN
ajoaa-1757	215	7	with	with	ADP
ajoaa-1757	215	8	a	a	DET
ajoaa-1757	215	9	marginal	marginal	ADJ
ajoaa-1757	215	10	value	value	NOUN
ajoaa-1757	215	11	of	of	ADP
ajoaa-1757	215	12	0.012	0.012	NUM
ajoaa-1757	215	13	.	.	PUNCT
ajoaa-1757	216	1	this	this	PRON
ajoaa-1757	216	2	implies	imply	VERB
ajoaa-1757	216	3	that	that	SCONJ
ajoaa-1757	216	4	,	,	PUNCT
ajoaa-1757	216	5	the	the	DET
ajoaa-1757	216	6	probability	probability	NOUN
ajoaa-1757	216	7	of	of	ADP
ajoaa-1757	216	8	repayment	repayment	NOUN
ajoaa-1757	216	9	increases	increase	NOUN
ajoaa-1757	216	10	by	by	ADP
ajoaa-1757	216	11	1.2	1.2	NUM
ajoaa-1757	216	12	%	%	NOUN
ajoaa-1757	216	13	as	as	ADP
ajoaa-1757	216	14	age	age	NOUN
ajoaa-1757	216	15	increases	increase	NOUN
ajoaa-1757	216	16	.	.	PUNCT
ajoaa-1757	217	1	these	these	DET
ajoaa-1757	217	2	results	result	NOUN
ajoaa-1757	217	3	corroborate	corroborate	VERB
ajoaa-1757	217	4	to	to	PART
ajoaa-1757	217	5	karlan	karlan	PROPN
ajoaa-1757	217	6	and	and	CCONJ
ajoaa-1757	217	7	valdivia	valdivia	PROPN
ajoaa-1757	217	8	(	(	PUNCT
ajoaa-1757	217	9	2011	2011	NUM
ajoaa-1757	217	10	)	)	PUNCT
ajoaa-1757	217	11	,	,	PUNCT
ajoaa-1757	217	12	who	who	PRON
ajoaa-1757	217	13	observed	observe	VERB
ajoaa-1757	217	14	improvement	improvement	NOUN
ajoaa-1757	217	15	in	in	ADP
ajoaa-1757	217	16	loan	loan	NOUN
ajoaa-1757	217	17	repayment	repayment	NOUN
ajoaa-1757	217	18	among	among	ADP
ajoaa-1757	217	19	microcredit	microcredit	NOUN
ajoaa-1757	217	20	clients	client	NOUN
ajoaa-1757	217	21	in	in	ADP
ajoaa-1757	217	22	peru	peru	PROPN
ajoaa-1757	217	23	and	and	CCONJ
ajoaa-1757	217	24	associated	associate	VERB
ajoaa-1757	217	25	the	the	DET
ajoaa-1757	217	26	improvement	improvement	NOUN
ajoaa-1757	217	27	partially	partially	ADV
ajoaa-1757	217	28	to	to	PART
ajoaa-1757	217	29	experience	experience	VERB
ajoaa-1757	217	30	in	in	ADP
ajoaa-1757	217	31	terms	term	NOUN
ajoaa-1757	217	32	of	of	ADP
ajoaa-1757	217	33	age	age	NOUN
ajoaa-1757	217	34	on	on	ADP
ajoaa-1757	217	35	the	the	DET
ajoaa-1757	217	36	business	business	NOUN
ajoaa-1757	217	37	.	.	PUNCT
ajoaa-1757	218	1	it	it	PRON
ajoaa-1757	218	2	must	must	AUX
ajoaa-1757	218	3	be	be	AUX
ajoaa-1757	218	4	,	,	PUNCT
ajoaa-1757	218	5	however	however	ADV
ajoaa-1757	218	6	,	,	PUNCT
ajoaa-1757	218	7	noted	note	VERB
ajoaa-1757	218	8	in	in	ADP
ajoaa-1757	218	9	the	the	DET
ajoaa-1757	218	10	case	case	NOUN
ajoaa-1757	218	11	of	of	ADP
ajoaa-1757	218	12	farmers	farmer	NOUN
ajoaa-1757	218	13	,	,	PUNCT
ajoaa-1757	218	14	age	age	NOUN
ajoaa-1757	218	15	will	will	AUX
ajoaa-1757	218	16	reach	reach	VERB
ajoaa-1757	218	17	a	a	DET
ajoaa-1757	218	18	peak	peak	NOUN
ajoaa-1757	218	19	and	and	CCONJ
ajoaa-1757	218	20	the	the	DET
ajoaa-1757	218	21	marginal	marginal	ADJ
ajoaa-1757	218	22	effect	effect	NOUN
ajoaa-1757	218	23	begins	begin	VERB
ajoaa-1757	218	24	to	to	PART
ajoaa-1757	218	25	decline	decline	VERB
ajoaa-1757	218	26	thereafter	thereafter	ADV
ajoaa-1757	218	27	because	because	SCONJ
ajoaa-1757	218	28	the	the	DET
ajoaa-1757	218	29	strength	strength	NOUN
ajoaa-1757	218	30	to	to	PART
ajoaa-1757	218	31	tilt	tilt	VERB
ajoaa-1757	218	32	the	the	DET
ajoaa-1757	218	33	soil	soil	NOUN
ajoaa-1757	218	34	for	for	ADP
ajoaa-1757	218	35	farming	farming	NOUN
ajoaa-1757	218	36	generally	generally	ADV
ajoaa-1757	218	37	declines	decline	VERB
ajoaa-1757	218	38	after	after	ADP
ajoaa-1757	218	39	a	a	DET
ajoaa-1757	218	40	certain	certain	ADJ
ajoaa-1757	218	41	age	age	NOUN
ajoaa-1757	218	42	.	.	PUNCT
ajoaa-1757	219	1	old	old	ADJ
ajoaa-1757	219	2	age	age	NOUN
ajoaa-1757	219	3	could	could	AUX
ajoaa-1757	219	4	render	render	VERB
ajoaa-1757	219	5	the	the	DET
ajoaa-1757	219	6	farmer	farmer	NOUN
ajoaa-1757	219	7	inefficient	inefficient	ADJ
ajoaa-1757	219	8	which	which	PRON
ajoaa-1757	219	9	could	could	AUX
ajoaa-1757	219	10	result	result	VERB
ajoaa-1757	219	11	in	in	ADP
ajoaa-1757	219	12	poor	poor	ADJ
ajoaa-1757	219	13	yield	yield	NOUN
ajoaa-1757	219	14	and	and	CCONJ
ajoaa-1757	219	15	income	income	NOUN
ajoaa-1757	219	16	thereby	thereby	ADV
ajoaa-1757	219	17	leading	lead	VERB
ajoaa-1757	219	18	to	to	ADP
ajoaa-1757	219	19	non	non	NOUN
ajoaa-1757	219	20	-	-	NOUN
ajoaa-1757	219	21	repayment	repayment	NOUN
ajoaa-1757	219	22	of	of	ADP
ajoaa-1757	219	23	the	the	DET
ajoaa-1757	219	24	credit	credit	NOUN
ajoaa-1757	219	25	ceteris	ceteris	NOUN
ajoaa-1757	219	26	paribus	paribus	NOUN
ajoaa-1757	219	27	.	.	PUNCT
ajoaa-1757	220	1	gender	gender	NOUN
ajoaa-1757	220	2	there	there	PRON
ajoaa-1757	220	3	is	be	VERB
ajoaa-1757	220	4	a	a	DET
ajoaa-1757	220	5	positive	positive	ADJ
ajoaa-1757	220	6	and	and	CCONJ
ajoaa-1757	220	7	significant	significant	ADJ
ajoaa-1757	220	8	relationship	relationship	NOUN
ajoaa-1757	220	9	between	between	ADP
ajoaa-1757	220	10	gender	gender	NOUN
ajoaa-1757	220	11	and	and	CCONJ
ajoaa-1757	220	12	repayment	repayment	NOUN
ajoaa-1757	220	13	of	of	ADP
ajoaa-1757	220	14	microcredit	microcredit	NOUN
ajoaa-1757	220	15	.	.	PUNCT
ajoaa-1757	221	1	it	it	PRON
ajoaa-1757	221	2	has	have	VERB
ajoaa-1757	221	3	a	a	DET
ajoaa-1757	221	4	marginal	marginal	ADJ
ajoaa-1757	221	5	value	value	NOUN
ajoaa-1757	221	6	of	of	ADP
ajoaa-1757	221	7	0.68	0.68	NUM
ajoaa-1757	221	8	and	and	CCONJ
ajoaa-1757	221	9	significant	significant	ADJ
ajoaa-1757	221	10	at	at	ADP
ajoaa-1757	221	11	1	1	NUM
ajoaa-1757	221	12	%	%	NOUN
ajoaa-1757	221	13	level	level	NOUN
ajoaa-1757	221	14	of	of	ADP
ajoaa-1757	221	15	significance	significance	NOUN
ajoaa-1757	221	16	.	.	PUNCT
ajoaa-1757	222	1	in	in	ADP
ajoaa-1757	222	2	this	this	DET
ajoaa-1757	222	3	study	study	NOUN
ajoaa-1757	222	4	gender	gender	NOUN
ajoaa-1757	222	5	is	be	AUX
ajoaa-1757	222	6	dummied	dummy	VERB
ajoaa-1757	222	7	1	1	NUM
ajoaa-1757	222	8	for	for	ADP
ajoaa-1757	222	9	female	female	NOUN
ajoaa-1757	222	10	.	.	PUNCT
ajoaa-1757	223	1	given	give	VERB
ajoaa-1757	223	2	that	that	SCONJ
ajoaa-1757	223	3	the	the	DET
ajoaa-1757	223	4	smallholder	smallholder	NOUN
ajoaa-1757	223	5	farmer	farmer	NOUN
ajoaa-1757	223	6	or	or	CCONJ
ajoaa-1757	223	7	borrower	borrower	NOUN
ajoaa-1757	223	8	is	be	AUX
ajoaa-1757	223	9	a	a	DET
ajoaa-1757	223	10	female	female	NOUN
ajoaa-1757	223	11	,	,	PUNCT
ajoaa-1757	223	12	the	the	DET
ajoaa-1757	223	13	probability	probability	NOUN
ajoaa-1757	223	14	of	of	ADP
ajoaa-1757	223	15	repayment	repayment	NOUN
ajoaa-1757	223	16	increases	increase	NOUN
ajoaa-1757	223	17	by	by	ADP
ajoaa-1757	223	18	68	68	NUM
ajoaa-1757	223	19	%	%	NOUN
ajoaa-1757	223	20	.	.	PUNCT
ajoaa-1757	224	1	this	this	PRON
ajoaa-1757	224	2	suggests	suggest	VERB
ajoaa-1757	224	3	that	that	SCONJ
ajoaa-1757	224	4	women	woman	NOUN
ajoaa-1757	224	5	are	be	AUX
ajoaa-1757	224	6	meticulous	meticulous	ADJ
ajoaa-1757	224	7	users	user	NOUN
ajoaa-1757	224	8	of	of	ADP
ajoaa-1757	224	9	microcredit	microcredit	NOUN
ajoaa-1757	224	10	as	as	SCONJ
ajoaa-1757	224	11	compared	compare	VERB
ajoaa-1757	224	12	to	to	ADP
ajoaa-1757	224	13	their	their	PRON
ajoaa-1757	224	14	male	male	ADJ
ajoaa-1757	224	15	counterparts	counterpart	NOUN
ajoaa-1757	224	16	.	.	PUNCT
ajoaa-1757	225	1	the	the	DET
ajoaa-1757	225	2	finding	finding	NOUN
ajoaa-1757	225	3	is	be	AUX
ajoaa-1757	225	4	corroborate	corroborate	VERB
ajoaa-1757	225	5	the	the	DET
ajoaa-1757	225	6	study	study	NOUN
ajoaa-1757	225	7	chakravarty	chakravarty	NOUN
ajoaa-1757	225	8	and	and	CCONJ
ajoaa-1757	225	9	pylypiv	pylypiv	ADJ
ajoaa-1757	225	10	(	(	PUNCT
ajoaa-1757	225	11	2015	2015	NUM
ajoaa-1757	225	12	)	)	PUNCT
ajoaa-1757	225	13	who	who	PRON
ajoaa-1757	225	14	found	find	VERB
ajoaa-1757	225	15	that	that	SCONJ
ajoaa-1757	225	16	women	woman	NOUN
ajoaa-1757	225	17	are	be	AUX
ajoaa-1757	225	18	better	well	ADJ
ajoaa-1757	225	19	managers	manager	NOUN
ajoaa-1757	225	20	of	of	ADP
ajoaa-1757	225	21	microcredit	microcredit	PROPN
ajoaa-1757	225	22	and	and	CCONJ
ajoaa-1757	225	23	are	be	AUX
ajoaa-1757	225	24	less	less	ADV
ajoaa-1757	225	25	likely	likely	ADJ
ajoaa-1757	225	26	to	to	PART
ajoaa-1757	225	27	default	default	VERB
ajoaa-1757	225	28	(	(	PUNCT
ajoaa-1757	225	29	imai	imai	PROPN
ajoaa-1757	225	30	and	and	CCONJ
ajoaa-1757	225	31	azam	azam	PROPN
ajoaa-1757	225	32	,	,	PUNCT
ajoaa-1757	225	33	2012	2012	NUM
ajoaa-1757	225	34	;	;	PUNCT
ajoaa-1757	225	35	banerjee	banerjee	PROPN
ajoaa-1757	225	36	et	et	PROPN
ajoaa-1757	225	37	al	al	PROPN
ajoaa-1757	225	38	.	.	PROPN
ajoaa-1757	225	39	,	,	PUNCT
ajoaa-1757	225	40	2015	2015	NUM
ajoaa-1757	225	41	;	;	PUNCT
ajoaa-1757	225	42	ganle	ganle	VERB
ajoaa-1757	225	43	et	et	PROPN
ajoaa-1757	225	44	al	al	PROPN
ajoaa-1757	225	45	.	.	PROPN
ajoaa-1757	225	46	,	,	PUNCT
ajoaa-1757	225	47	2015	2015	NUM
ajoaa-1757	225	48	)	)	PUNCT
ajoaa-1757	225	49	.	.	PUNCT
ajoaa-1757	226	1	the	the	DET
ajoaa-1757	226	2	result	result	NOUN
ajoaa-1757	226	3	met	meet	VERB
ajoaa-1757	226	4	the	the	DET
ajoaa-1757	226	5	a	a	DET
ajoaa-1757	226	6	priori	priori	ADJ
ajoaa-1757	226	7	expectation	expectation	NOUN
ajoaa-1757	226	8	.	.	PUNCT
ajoaa-1757	227	1	distance	distance	NOUN
ajoaa-1757	227	2	that	that	SCONJ
ajoaa-1757	227	3	the	the	DET
ajoaa-1757	227	4	distance	distance	NOUN
ajoaa-1757	227	5	from	from	ADP
ajoaa-1757	227	6	the	the	DET
ajoaa-1757	227	7	farmers	farmer	NOUN
ajoaa-1757	227	8	’	’	PART
ajoaa-1757	227	9	residence	residence	NOUN
ajoaa-1757	227	10	to	to	ADP
ajoaa-1757	227	11	the	the	DET
ajoaa-1757	227	12	place	place	NOUN
ajoaa-1757	227	13	of	of	ADP
ajoaa-1757	227	14	the	the	DET
ajoaa-1757	227	15	credit	credit	NOUN
ajoaa-1757	227	16	granting	grant	VERB
ajoaa-1757	227	17	agency	agency	NOUN
ajoaa-1757	227	18	is	be	AUX
ajoaa-1757	227	19	insignificant	insignificant	ADJ
ajoaa-1757	227	20	in	in	ADP
ajoaa-1757	227	21	the	the	DET
ajoaa-1757	227	22	model	model	NOUN
ajoaa-1757	227	23	but	but	CCONJ
ajoaa-1757	227	24	with	with	ADP
ajoaa-1757	227	25	a	a	DET
ajoaa-1757	227	26	negative	negative	ADJ
ajoaa-1757	227	27	relation	relation	NOUN
ajoaa-1757	227	28	with	with	ADP
ajoaa-1757	227	29	repayment	repayment	NOUN
ajoaa-1757	227	30	is	be	AUX
ajoaa-1757	227	31	consistent	consistent	ADJ
ajoaa-1757	227	32	with	with	ADP
ajoaa-1757	227	33	other	other	ADJ
ajoaa-1757	227	34	microcredit	microcredit	NOUN
ajoaa-1757	227	35	studies	study	NOUN
ajoaa-1757	227	36	(	(	PUNCT
ajoaa-1757	227	37	alexander	alexander	NOUN
ajoaa-1757	227	38	,	,	PUNCT
ajoaa-1757	227	39	2006	2006	NUM
ajoaa-1757	227	40	;	;	PUNCT
ajoaa-1757	227	41	giné	giné	NOUN
ajoaa-1757	227	42	,	,	PUNCT
ajoaa-1757	227	43	and	and	CCONJ
ajoaa-1757	227	44	karlan	karlan	NOUN
ajoaa-1757	227	45	,	,	PUNCT
ajoaa-1757	227	46	2011	2011	NUM
ajoaa-1757	227	47	;	;	PUNCT
ajoaa-1757	227	48	roodman	roodman	NOUN
ajoaa-1757	227	49	,	,	PUNCT
ajoaa-1757	227	50	2012	2012	NUM
ajoaa-1757	227	51	)	)	PUNCT
ajoaa-1757	227	52	.	.	PUNCT
ajoaa-1757	228	1	this	this	DET
ajoaa-1757	228	2	result	result	NOUN
ajoaa-1757	228	3	echoes	echo	VERB
ajoaa-1757	228	4	the	the	DET
ajoaa-1757	228	5	grammen	gramman	NOUN
ajoaa-1757	228	6	banks	bank	NOUN
ajoaa-1757	228	7	principle	principle	NOUN
ajoaa-1757	228	8	of	of	ADP
ajoaa-1757	228	9	the	the	DET
ajoaa-1757	228	10	need	need	NOUN
ajoaa-1757	228	11	to	to	PART
ajoaa-1757	228	12	take	take	VERB
ajoaa-1757	228	13	microcredit	microcredit	NOUN
ajoaa-1757	228	14	facilities	facility	NOUN
ajoaa-1757	228	15	closer	close	ADV
ajoaa-1757	228	16	to	to	ADP
ajoaa-1757	228	17	the	the	DET
ajoaa-1757	228	18	rural	rural	ADJ
ajoaa-1757	228	19	poor	poor	ADJ
ajoaa-1757	228	20	.	.	PUNCT
ajoaa-1757	229	1	none	none	NOUN
ajoaa-1757	229	2	of	of	ADP
ajoaa-1757	229	3	the	the	DET
ajoaa-1757	229	4	mfis	mfis	NOUN
ajoaa-1757	229	5	in	in	ADP
ajoaa-1757	229	6	the	the	DET
ajoaa-1757	229	7	study	study	NOUN
ajoaa-1757	229	8	area	area	NOUN
ajoaa-1757	229	9	was	be	AUX
ajoaa-1757	229	10	engaged	engage	VERB
ajoaa-1757	229	11	in	in	ADP
ajoaa-1757	229	12	mobile	mobile	ADJ
ajoaa-1757	229	13	banking	banking	NOUN
ajoaa-1757	229	14	.	.	PUNCT
ajoaa-1757	230	1	mobile	mobile	ADJ
ajoaa-1757	230	2	banking	banking	NOUN
ajoaa-1757	230	3	is	be	AUX
ajoaa-1757	230	4	however	however	ADV
ajoaa-1757	230	5	available	available	ADJ
ajoaa-1757	230	6	in	in	ADP
ajoaa-1757	230	7	some	some	DET
ajoaa-1757	230	8	communities	community	NOUN
ajoaa-1757	230	9	where	where	SCONJ
ajoaa-1757	230	10	loan	loan	NOUN
ajoaa-1757	230	11	officers	officer	NOUN
ajoaa-1757	230	12	transact	transact	VERB
ajoaa-1757	230	13	business	business	NOUN
ajoaa-1757	230	14	at	at	ADP
ajoaa-1757	230	15	the	the	DET
ajoaa-1757	230	16	borrowers	borrower	NOUN
ajoaa-1757	230	17	’	'	PUNCT
ajoaa-1757	230	18	doorstep	doorstep	NOUN
ajoaa-1757	230	19	.	.	PUNCT
ajoaa-1757	231	1	being	be	AUX
ajoaa-1757	231	2	closer	close	ADJ
ajoaa-1757	231	3	and	and	CCONJ
ajoaa-1757	231	4	spending	spend	VERB
ajoaa-1757	231	5	less	less	ADJ
ajoaa-1757	231	6	time	time	NOUN
ajoaa-1757	231	7	commuting	commute	VERB
ajoaa-1757	231	8	to	to	ADP
ajoaa-1757	231	9	the	the	DET
ajoaa-1757	231	10	lender	lender	NOUN
ajoaa-1757	231	11	,	,	PUNCT
ajoaa-1757	231	12	gives	give	VERB
ajoaa-1757	231	13	the	the	DET
ajoaa-1757	231	14	farmer	farmer	NOUN
ajoaa-1757	231	15	more	more	ADJ
ajoaa-1757	231	16	time	time	NOUN
ajoaa-1757	231	17	for	for	ADP
ajoaa-1757	231	18	farm	farm	NOUN
ajoaa-1757	231	19	activities	activity	NOUN
ajoaa-1757	231	20	.	.	PUNCT
ajoaa-1757	232	1	it	it	PRON
ajoaa-1757	232	2	also	also	ADV
ajoaa-1757	232	3	enables	enable	VERB
ajoaa-1757	232	4	the	the	DET
ajoaa-1757	232	5	lenders	lender	NOUN
ajoaa-1757	232	6	to	to	PART
ajoaa-1757	232	7	get	get	VERB
ajoaa-1757	232	8	quick	quick	ADJ
ajoaa-1757	232	9	information	information	NOUN
ajoaa-1757	232	10	on	on	ADP
ajoaa-1757	232	11	farm	farm	NOUN
ajoaa-1757	232	12	needs	need	NOUN
ajoaa-1757	232	13	and	and	CCONJ
ajoaa-1757	232	14	challenges	challenge	NOUN
ajoaa-1757	232	15	for	for	ADP
ajoaa-1757	232	16	prompt	prompt	ADJ
ajoaa-1757	232	17	technical	technical	ADJ
ajoaa-1757	232	18	advice	advice	NOUN
ajoaa-1757	232	19	.	.	PUNCT
ajoaa-1757	233	1	as	as	ADP
ajoaa-1757	233	2	distance	distance	NOUN
ajoaa-1757	233	3	increases	increase	NOUN
ajoaa-1757	233	4	by	by	ADP
ajoaa-1757	233	5	a	a	DET
ajoaa-1757	233	6	kilometer	kilometer	NOUN
ajoaa-1757	233	7	the	the	DET
ajoaa-1757	233	8	probability	probability	NOUN
ajoaa-1757	233	9	of	of	ADP
ajoaa-1757	233	10	default	default	NOUN
ajoaa-1757	233	11	increases	increase	NOUN
ajoaa-1757	233	12	by	by	ADP
ajoaa-1757	233	13	8	8	NUM
ajoaa-1757	233	14	%	%	NOUN
ajoaa-1757	233	15	as	as	SCONJ
ajoaa-1757	233	16	depicted	depict	VERB
ajoaa-1757	233	17	by	by	ADP
ajoaa-1757	233	18	the	the	DET
ajoaa-1757	233	19	marginal	marginal	ADJ
ajoaa-1757	233	20	value	value	NOUN
ajoaa-1757	233	21	of	of	ADP
ajoaa-1757	233	22	-0.08	-0.08	PRON
ajoaa-1757	233	23	(	(	PUNCT
ajoaa-1757	233	24	table	table	NOUN
ajoaa-1757	233	25	2	2	NUM
ajoaa-1757	233	26	)	)	PUNCT
ajoaa-1757	233	27	.	.	PUNCT
ajoaa-1757	234	1	proximity	proximity	NOUN
ajoaa-1757	234	2	therefore	therefore	ADV
ajoaa-1757	234	3	reduces	reduce	VERB
ajoaa-1757	234	4	transaction	transaction	NOUN
ajoaa-1757	234	5	cost	cost	NOUN
ajoaa-1757	234	6	and	and	CCONJ
ajoaa-1757	234	7	increases	increase	VERB
ajoaa-1757	234	8	farmers	farmer	NOUN
ajoaa-1757	234	9	’	'	PUNCT
ajoaa-1757	234	10	chance	chance	NOUN
ajoaa-1757	234	11	of	of	ADP
ajoaa-1757	234	12	repayment	repayment	NOUN
ajoaa-1757	234	13	fbo	fbo	NOUN
ajoaa-1757	234	14	there	there	PRON
ajoaa-1757	234	15	was	be	VERB
ajoaa-1757	234	16	a	a	DET
ajoaa-1757	234	17	negative	negative	ADJ
ajoaa-1757	234	18	relation	relation	NOUN
ajoaa-1757	234	19	between	between	ADP
ajoaa-1757	234	20	repayment	repayment	NOUN
ajoaa-1757	234	21	and	and	CCONJ
ajoaa-1757	234	22	membership	membership	NOUN
ajoaa-1757	234	23	of	of	ADP
ajoaa-1757	234	24	fbo	fbo	PROPN
ajoaa-1757	234	25	.	.	PUNCT
ajoaa-1757	235	1	the	the	DET
ajoaa-1757	235	2	model	model	NOUN
ajoaa-1757	235	3	showed	show	VERB
ajoaa-1757	235	4	a	a	DET
ajoaa-1757	235	5	marginal	marginal	ADJ
ajoaa-1757	235	6	value	value	NOUN
ajoaa-1757	235	7	of	of	ADP
ajoaa-1757	235	8	-0.43	-0.43	NUM
ajoaa-1757	235	9	and	and	CCONJ
ajoaa-1757	235	10	significant	significant	ADJ
ajoaa-1757	235	11	at	at	ADP
ajoaa-1757	235	12	1	1	NUM
ajoaa-1757	235	13	%	%	NOUN
ajoaa-1757	235	14	,	,	PUNCT
ajoaa-1757	235	15	implying	imply	VERB
ajoaa-1757	235	16	that	that	SCONJ
ajoaa-1757	235	17	being	be	AUX
ajoaa-1757	235	18	a	a	DET
ajoaa-1757	235	19	member	member	NOUN
ajoaa-1757	235	20	of	of	ADP
ajoaa-1757	235	21	fbo	fbo	PROPN
ajoaa-1757	235	22	increases	increase	VERB
ajoaa-1757	235	23	the	the	DET
ajoaa-1757	235	24	probability	probability	NOUN
ajoaa-1757	235	25	of	of	ADP
ajoaa-1757	235	26	default	default	NOUN
ajoaa-1757	235	27	by	by	ADP
ajoaa-1757	235	28	43	43	NUM
ajoaa-1757	235	29	%	%	NOUN
ajoaa-1757	235	30	.	.	PUNCT
ajoaa-1757	236	1	this	this	PRON
ajoaa-1757	236	2	is	be	AUX
ajoaa-1757	236	3	contrary	contrary	ADJ
ajoaa-1757	236	4	to	to	ADP
ajoaa-1757	236	5	the	the	DET
ajoaa-1757	236	6	expectation	expectation	NOUN
ajoaa-1757	236	7	that	that	SCONJ
ajoaa-1757	236	8	members	member	NOUN
ajoaa-1757	236	9	of	of	ADP
ajoaa-1757	236	10	the	the	DET
ajoaa-1757	236	11	group	group	NOUN
ajoaa-1757	236	12	will	will	AUX
ajoaa-1757	236	13	bring	bring	VERB
ajoaa-1757	236	14	pressure	pressure	NOUN
ajoaa-1757	236	15	to	to	PART
ajoaa-1757	236	16	bear	bear	VERB
ajoaa-1757	236	17	on	on	ADP
ajoaa-1757	236	18	group	group	NOUN
ajoaa-1757	236	19	members	member	NOUN
ajoaa-1757	236	20	to	to	PART
ajoaa-1757	236	21	repay	repay	VERB
ajoaa-1757	236	22	their	their	PRON
ajoaa-1757	236	23	loans	loan	NOUN
ajoaa-1757	236	24	in	in	ADP
ajoaa-1757	236	25	order	order	NOUN
ajoaa-1757	236	26	to	to	PART
ajoaa-1757	236	27	benefit	benefit	VERB
ajoaa-1757	236	28	from	from	ADP
ajoaa-1757	236	29	the	the	DET
ajoaa-1757	236	30	dynamic	dynamic	ADJ
ajoaa-1757	236	31	incentive	incentive	NOUN
ajoaa-1757	236	32	strategy	strategy	NOUN
ajoaa-1757	236	33	where	where	SCONJ
ajoaa-1757	236	34	group	group	NOUN
ajoaa-1757	236	35	loans	loan	NOUN
ajoaa-1757	236	36	were	be	AUX
ajoaa-1757	236	37	increased	increase	VERB
ajoaa-1757	236	38	after	after	ADP
ajoaa-1757	236	39	every	every	DET
ajoaa-1757	236	40	successful	successful	ADJ
ajoaa-1757	236	41	loan	loan	NOUN
ajoaa-1757	236	42	cycle	cycle	NOUN
ajoaa-1757	236	43	(	(	PUNCT
ajoaa-1757	236	44	breza	breza	PROPN
ajoaa-1757	236	45	,	,	PUNCT
ajoaa-1757	236	46	2012	2012	NUM
ajoaa-1757	236	47	)	)	PUNCT
ajoaa-1757	236	48	.	.	PUNCT
ajoaa-1757	237	1	group	group	NOUN
ajoaa-1757	237	2	members	member	NOUN
ajoaa-1757	237	3	unanimously	unanimously	ADV
ajoaa-1757	237	4	can	can	AUX
ajoaa-1757	237	5	agree	agree	VERB
ajoaa-1757	237	6	to	to	PART
ajoaa-1757	237	7	default	default	VERB
ajoaa-1757	237	8	if	if	SCONJ
ajoaa-1757	237	9	the	the	DET
ajoaa-1757	237	10	groups	group	NOUN
ajoaa-1757	237	11	have	have	VERB
ajoaa-1757	237	12	a	a	DET
ajoaa-1757	237	13	strict	strict	ADJ
ajoaa-1757	237	14	joint	joint	ADJ
ajoaa-1757	237	15	liability	liability	NOUN
ajoaa-1757	237	16	.	.	PUNCT
ajoaa-1757	238	1	in	in	ADP
ajoaa-1757	238	2	this	this	DET
ajoaa-1757	238	3	context	context	NOUN
ajoaa-1757	238	4	borrowers	borrower	NOUN
ajoaa-1757	238	5	are	be	AUX
ajoaa-1757	238	6	not	not	PART
ajoaa-1757	238	7	individually	individually	ADV
ajoaa-1757	238	8	held	hold	VERB
ajoaa-1757	238	9	liable	liable	ADJ
ajoaa-1757	238	10	for	for	ADP
ajoaa-1757	238	11	default	default	NOUN
ajoaa-1757	238	12	.	.	PUNCT
ajoaa-1757	239	1	this	this	DET
ajoaa-1757	239	2	result	result	NOUN
ajoaa-1757	239	3	is	be	AUX
ajoaa-1757	239	4	consistent	consistent	ADJ
ajoaa-1757	239	5	with	with	ADP
ajoaa-1757	239	6	asian	asian	ADJ
ajoaa-1757	239	7	journal	journal	NOUN
ajoaa-1757	239	8	of	of	ADP
ajoaa-1757	239	9	agriculture	agriculture	NOUN
ajoaa-1757	239	10	and	and	CCONJ
ajoaa-1757	239	11	rural	rural	ADJ
ajoaa-1757	239	12	development	development	NOUN
ajoaa-1757	239	13	,	,	PUNCT
ajoaa-1757	239	14	8(2)2018	8(2)2018	NUM
ajoaa-1757	239	15	:	:	PUNCT
ajoaa-1757	239	16	74	74	NUM
ajoaa-1757	239	17	-	-	SYM
ajoaa-1757	239	18	91	91	NUM
ajoaa-1757	239	19	85	85	NUM
ajoaa-1757	239	20	giné	giné	NOUN
ajoaa-1757	239	21	and	and	CCONJ
ajoaa-1757	239	22	karlan	karlan	NOUN
ajoaa-1757	239	23	(	(	PUNCT
ajoaa-1757	239	24	2011	2011	NUM
ajoaa-1757	239	25	)	)	PUNCT
ajoaa-1757	239	26	.	.	PUNCT
ajoaa-1757	240	1	it	it	PRON
ajoaa-1757	240	2	,	,	PUNCT
ajoaa-1757	240	3	however	however	ADV
ajoaa-1757	240	4	,	,	PUNCT
ajoaa-1757	240	5	contradicts	contradict	VERB
ajoaa-1757	240	6	the	the	DET
ajoaa-1757	240	7	findings	finding	NOUN
ajoaa-1757	240	8	of	of	ADP
ajoaa-1757	240	9	breza	breza	PROPN
ajoaa-1757	240	10	(	(	PUNCT
ajoaa-1757	240	11	2012	2012	NUM
ajoaa-1757	240	12	)	)	PUNCT
ajoaa-1757	240	13	.	.	PUNCT
ajoaa-1757	241	1	the	the	DET
ajoaa-1757	241	2	inconsistency	inconsistency	NOUN
ajoaa-1757	241	3	in	in	ADP
ajoaa-1757	241	4	the	the	DET
ajoaa-1757	241	5	findings	finding	NOUN
ajoaa-1757	241	6	could	could	AUX
ajoaa-1757	241	7	be	be	AUX
ajoaa-1757	241	8	attributed	attribute	VERB
ajoaa-1757	241	9	to	to	ADP
ajoaa-1757	241	10	differences	difference	NOUN
ajoaa-1757	241	11	in	in	ADP
ajoaa-1757	241	12	economic	economic	ADJ
ajoaa-1757	241	13	and	and	CCONJ
ajoaa-1757	241	14	socio	socio	NOUN
ajoaa-1757	241	15	-	-	PUNCT
ajoaa-1757	241	16	cultural	cultural	ADJ
ajoaa-1757	241	17	practices	practice	NOUN
ajoaa-1757	241	18	in	in	ADP
ajoaa-1757	241	19	the	the	DET
ajoaa-1757	241	20	study	study	NOUN
ajoaa-1757	241	21	areas	area	NOUN
ajoaa-1757	241	22	and	and	CCONJ
ajoaa-1757	241	23	the	the	DET
ajoaa-1757	241	24	methods	method	NOUN
ajoaa-1757	241	25	used	use	VERB
ajoaa-1757	241	26	to	to	PART
ajoaa-1757	241	27	analyse	analyse	VERB
ajoaa-1757	241	28	data	data	PROPN
ajoaa-1757	241	29	.	.	PUNCT
ajoaa-1757	242	1	interest	interest	NOUN
ajoaa-1757	242	2	rate	rate	NOUN
ajoaa-1757	242	3	as	as	SCONJ
ajoaa-1757	242	4	predicted	predict	VERB
ajoaa-1757	242	5	,	,	PUNCT
ajoaa-1757	242	6	interest	interest	NOUN
ajoaa-1757	242	7	rate	rate	NOUN
ajoaa-1757	242	8	has	have	VERB
ajoaa-1757	242	9	a	a	DET
ajoaa-1757	242	10	negative	negative	ADJ
ajoaa-1757	242	11	relationship	relationship	NOUN
ajoaa-1757	242	12	with	with	ADP
ajoaa-1757	242	13	microcredit	microcredit	NOUN
ajoaa-1757	242	14	repayment	repayment	NOUN
ajoaa-1757	242	15	.	.	PUNCT
ajoaa-1757	243	1	the	the	DET
ajoaa-1757	243	2	logistics	logistic	NOUN
ajoaa-1757	243	3	model	model	NOUN
ajoaa-1757	243	4	showed	show	VERB
ajoaa-1757	243	5	a	a	DET
ajoaa-1757	243	6	marginal	marginal	ADJ
ajoaa-1757	243	7	effect	effect	NOUN
ajoaa-1757	243	8	of	of	ADP
ajoaa-1757	243	9	-0.44	-0.44	NUM
ajoaa-1757	243	10	and	and	CCONJ
ajoaa-1757	243	11	statistically	statistically	ADV
ajoaa-1757	243	12	significant	significant	ADJ
ajoaa-1757	243	13	at	at	ADP
ajoaa-1757	243	14	1	1	NUM
ajoaa-1757	243	15	%	%	NOUN
ajoaa-1757	243	16	level	level	NOUN
ajoaa-1757	243	17	of	of	ADP
ajoaa-1757	243	18	significance	significance	NOUN
ajoaa-1757	243	19	.	.	PUNCT
ajoaa-1757	244	1	this	this	PRON
ajoaa-1757	244	2	means	mean	VERB
ajoaa-1757	244	3	that	that	SCONJ
ajoaa-1757	244	4	a	a	DET
ajoaa-1757	244	5	unit	unit	NOUN
ajoaa-1757	244	6	increase	increase	NOUN
ajoaa-1757	244	7	in	in	ADP
ajoaa-1757	244	8	the	the	DET
ajoaa-1757	244	9	interest	interest	NOUN
ajoaa-1757	244	10	rate	rate	NOUN
ajoaa-1757	244	11	increases	increase	VERB
ajoaa-1757	244	12	the	the	DET
ajoaa-1757	244	13	probability	probability	NOUN
ajoaa-1757	244	14	of	of	ADP
ajoaa-1757	244	15	default	default	NOUN
ajoaa-1757	244	16	by	by	ADP
ajoaa-1757	244	17	44	44	NUM
ajoaa-1757	244	18	%	%	NOUN
ajoaa-1757	244	19	.	.	PUNCT
ajoaa-1757	245	1	the	the	DET
ajoaa-1757	245	2	issue	issue	NOUN
ajoaa-1757	245	3	of	of	ADP
ajoaa-1757	245	4	the	the	DET
ajoaa-1757	245	5	interest	interest	NOUN
ajoaa-1757	245	6	that	that	PRON
ajoaa-1757	245	7	microcredit	microcredit	NOUN
ajoaa-1757	245	8	clients	client	NOUN
ajoaa-1757	245	9	pay	pay	VERB
ajoaa-1757	245	10	on	on	ADP
ajoaa-1757	245	11	their	their	PRON
ajoaa-1757	245	12	loans	loan	NOUN
ajoaa-1757	245	13	had	have	AUX
ajoaa-1757	245	14	been	be	AUX
ajoaa-1757	245	15	a	a	DET
ajoaa-1757	245	16	critical	critical	ADJ
ajoaa-1757	245	17	issue	issue	NOUN
ajoaa-1757	245	18	in	in	ADP
ajoaa-1757	245	19	microfinance	microfinance	NOUN
ajoaa-1757	245	20	programme	programme	NOUN
ajoaa-1757	245	21	design	design	NOUN
ajoaa-1757	245	22	(	(	PUNCT
ajoaa-1757	245	23	cgap	cgap	NOUN
ajoaa-1757	245	24	,	,	PUNCT
ajoaa-1757	245	25	2010	2010	NUM
ajoaa-1757	245	26	;	;	PUNCT
ajoaa-1757	245	27	rosenberg	rosenberg	PROPN
ajoaa-1757	245	28	et	et	PROPN
ajoaa-1757	245	29	al	al	PROPN
ajoaa-1757	245	30	.	.	PROPN
ajoaa-1757	245	31	,	,	PUNCT
ajoaa-1757	245	32	2013	2013	NUM
ajoaa-1757	245	33	)	)	PUNCT
ajoaa-1757	245	34	.	.	PUNCT
ajoaa-1757	246	1	very	very	ADV
ajoaa-1757	246	2	often	often	ADV
ajoaa-1757	246	3	,	,	PUNCT
ajoaa-1757	246	4	the	the	DET
ajoaa-1757	246	5	seemingly	seemingly	ADV
ajoaa-1757	246	6	high	high	ADJ
ajoaa-1757	246	7	interest	interest	NOUN
ajoaa-1757	246	8	rates	rate	NOUN
ajoaa-1757	246	9	compared	compare	VERB
ajoaa-1757	246	10	to	to	ADP
ajoaa-1757	246	11	normal	normal	ADJ
ajoaa-1757	246	12	commercial	commercial	ADJ
ajoaa-1757	246	13	lending	lending	NOUN
ajoaa-1757	246	14	rates	rate	NOUN
ajoaa-1757	246	15	,	,	PUNCT
ajoaa-1757	246	16	are	be	AUX
ajoaa-1757	246	17	the	the	DET
ajoaa-1757	246	18	strongest	strong	ADJ
ajoaa-1757	246	19	point	point	NOUN
ajoaa-1757	246	20	of	of	ADP
ajoaa-1757	246	21	criticism	criticism	NOUN
ajoaa-1757	246	22	for	for	ADP
ajoaa-1757	246	23	opponents	opponent	NOUN
ajoaa-1757	246	24	of	of	ADP
ajoaa-1757	246	25	the	the	DET
ajoaa-1757	246	26	microfinance	microfinance	NOUN
ajoaa-1757	246	27	concept	concept	NOUN
ajoaa-1757	246	28	.	.	PUNCT
ajoaa-1757	247	1	according	accord	VERB
ajoaa-1757	247	2	to	to	ADP
ajoaa-1757	247	3	oliver	oliver	PROPN
ajoaa-1757	247	4	et	et	PROPN
ajoaa-1757	247	5	al	al	PROPN
ajoaa-1757	247	6	.	.	PROPN
ajoaa-1757	248	1	(	(	PUNCT
ajoaa-1757	248	2	2007	2007	NUM
ajoaa-1757	248	3	)	)	PUNCT
ajoaa-1757	248	4	administrative	administrative	ADJ
ajoaa-1757	248	5	costs	cost	NOUN
ajoaa-1757	248	6	for	for	ADP
ajoaa-1757	248	7	individually	individually	ADV
ajoaa-1757	248	8	tailored	tailor	VERB
ajoaa-1757	248	9	microloans	microloan	NOUN
ajoaa-1757	248	10	are	be	AUX
ajoaa-1757	248	11	much	much	ADV
ajoaa-1757	248	12	greater	great	ADJ
ajoaa-1757	248	13	than	than	ADP
ajoaa-1757	248	14	for	for	ADP
ajoaa-1757	248	15	normal	normal	ADJ
ajoaa-1757	248	16	standardized	standardized	ADJ
ajoaa-1757	248	17	loans	loan	NOUN
ajoaa-1757	248	18	.	.	PUNCT
ajoaa-1757	249	1	therefore	therefore	ADV
ajoaa-1757	249	2	,	,	PUNCT
ajoaa-1757	249	3	micro	micro	NOUN
ajoaa-1757	249	4	-	-	NOUN
ajoaa-1757	249	5	lending	lending	NOUN
ajoaa-1757	249	6	can	can	AUX
ajoaa-1757	249	7	not	not	PART
ajoaa-1757	249	8	be	be	AUX
ajoaa-1757	249	9	sustainable	sustainable	ADJ
ajoaa-1757	249	10	without	without	ADP
ajoaa-1757	249	11	charging	charge	VERB
ajoaa-1757	249	12	interest	interest	NOUN
ajoaa-1757	249	13	rates	rate	NOUN
ajoaa-1757	249	14	that	that	PRON
ajoaa-1757	249	15	are	be	AUX
ajoaa-1757	249	16	higher	high	ADJ
ajoaa-1757	249	17	than	than	ADP
ajoaa-1757	249	18	what	what	PRON
ajoaa-1757	249	19	commercial	commercial	ADJ
ajoaa-1757	249	20	banks	bank	NOUN
ajoaa-1757	249	21	normally	normally	ADV
ajoaa-1757	249	22	charge	charge	VERB
ajoaa-1757	249	23	.	.	PUNCT
ajoaa-1757	250	1	roodman	roodman	NOUN
ajoaa-1757	250	2	and	and	CCONJ
ajoaa-1757	250	3	uzma	uzma	PROPN
ajoaa-1757	250	4	(	(	PUNCT
ajoaa-1757	250	5	2006	2006	NUM
ajoaa-1757	250	6	)	)	PUNCT
ajoaa-1757	250	7	and	and	CCONJ
ajoaa-1757	250	8	waterfield	waterfield	PROPN
ajoaa-1757	250	9	(	(	PUNCT
ajoaa-1757	250	10	2012	2012	NUM
ajoaa-1757	250	11	)	)	PUNCT
ajoaa-1757	250	12	justified	justify	VERB
ajoaa-1757	250	13	higher	high	ADJ
ajoaa-1757	250	14	interest	interest	NOUN
ajoaa-1757	250	15	rates	rate	NOUN
ajoaa-1757	250	16	for	for	ADP
ajoaa-1757	250	17	mfis	mfis	NOUN
ajoaa-1757	250	18	on	on	ADP
ajoaa-1757	250	19	the	the	DET
ajoaa-1757	250	20	basis	basis	NOUN
ajoaa-1757	250	21	of	of	ADP
ajoaa-1757	250	22	complex	complex	ADJ
ajoaa-1757	250	23	labor	labor	NOUN
ajoaa-1757	250	24	-	-	PUNCT
ajoaa-1757	250	25	intensiveness	intensiveness	NOUN
ajoaa-1757	250	26	,	,	PUNCT
ajoaa-1757	250	27	documentation	documentation	NOUN
ajoaa-1757	250	28	and	and	CCONJ
ajoaa-1757	250	29	provision	provision	NOUN
ajoaa-1757	250	30	of	of	ADP
ajoaa-1757	250	31	the	the	DET
ajoaa-1757	250	32	credit	credit	NOUN
ajoaa-1757	250	33	,	,	PUNCT
ajoaa-1757	250	34	remote	remote	ADJ
ajoaa-1757	250	35	location	location	NOUN
ajoaa-1757	250	36	of	of	ADP
ajoaa-1757	250	37	the	the	DET
ajoaa-1757	250	38	clients	client	NOUN
ajoaa-1757	250	39	as	as	ADV
ajoaa-1757	250	40	well	well	ADV
ajoaa-1757	250	41	as	as	ADP
ajoaa-1757	250	42	frequent	frequent	ADJ
ajoaa-1757	250	43	meetings	meeting	NOUN
ajoaa-1757	250	44	with	with	ADP
ajoaa-1757	250	45	mfi	mfi	PROPN
ajoaa-1757	250	46	’s	’s	PART
ajoaa-1757	250	47	staff	staff	NOUN
ajoaa-1757	250	48	during	during	ADP
ajoaa-1757	250	49	approval	approval	NOUN
ajoaa-1757	250	50	and	and	CCONJ
ajoaa-1757	250	51	repayment	repayment	NOUN
ajoaa-1757	250	52	process	process	NOUN
ajoaa-1757	250	53	.	.	PUNCT
ajoaa-1757	251	1	for	for	ADP
ajoaa-1757	251	2	instance	instance	NOUN
ajoaa-1757	251	3	,	,	PUNCT
ajoaa-1757	251	4	lending	lend	VERB
ajoaa-1757	251	5	gh¢10,000	gh¢10,000	NUM
ajoaa-1757	251	6	in	in	ADP
ajoaa-1757	251	7	100	100	NUM
ajoaa-1757	251	8	loans	loan	NOUN
ajoaa-1757	251	9	of	of	ADP
ajoaa-1757	251	10	gh¢100	gh¢100	PROPN
ajoaa-1757	251	11	is	be	AUX
ajoaa-1757	251	12	obviously	obviously	ADV
ajoaa-1757	251	13	more	more	ADV
ajoaa-1757	251	14	expensive	expensive	ADJ
ajoaa-1757	251	15	concerning	concern	VERB
ajoaa-1757	251	16	staff	staff	NOUN
ajoaa-1757	251	17	salaries	salary	NOUN
ajoaa-1757	251	18	etc	etc	X
ajoaa-1757	251	19	.	.	X
ajoaa-1757	251	20	,	,	PUNCT
ajoaa-1757	251	21	than	than	ADP
ajoaa-1757	251	22	giving	give	VERB
ajoaa-1757	251	23	out	out	ADP
ajoaa-1757	251	24	one	one	NUM
ajoaa-1757	251	25	single	single	ADJ
ajoaa-1757	251	26	loan	loan	NOUN
ajoaa-1757	251	27	of	of	ADP
ajoaa-1757	251	28	gh¢10,000	gh¢10,000	NUM
ajoaa-1757	251	29	to	to	ADP
ajoaa-1757	251	30	an	an	DET
ajoaa-1757	251	31	individual	individual	NOUN
ajoaa-1757	251	32	.	.	PUNCT
ajoaa-1757	252	1	it	it	PRON
ajoaa-1757	252	2	is	be	AUX
ajoaa-1757	252	3	also	also	ADV
ajoaa-1757	252	4	argued	argue	VERB
ajoaa-1757	252	5	that	that	SCONJ
ajoaa-1757	252	6	mfi	mfi	PROPN
ajoaa-1757	252	7	high	high	ADJ
ajoaa-1757	252	8	interest	interest	NOUN
ajoaa-1757	252	9	rate	rate	NOUN
ajoaa-1757	252	10	makes	make	VERB
ajoaa-1757	252	11	it	it	PRON
ajoaa-1757	252	12	possible	possible	ADJ
ajoaa-1757	252	13	to	to	PART
ajoaa-1757	252	14	grow	grow	VERB
ajoaa-1757	252	15	the	the	DET
ajoaa-1757	252	16	microfinance	microfinance	NOUN
ajoaa-1757	252	17	industry	industry	NOUN
ajoaa-1757	252	18	by	by	ADP
ajoaa-1757	252	19	expanding	expand	VERB
ajoaa-1757	252	20	outreach	outreach	NOUN
ajoaa-1757	252	21	in	in	ADP
ajoaa-1757	252	22	breadth	breadth	NOUN
ajoaa-1757	252	23	and	and	CCONJ
ajoaa-1757	252	24	depth	depth	NOUN
ajoaa-1757	252	25	(	(	PUNCT
ajoaa-1757	252	26	rosenberg	rosenberg	PROPN
ajoaa-1757	252	27	et	et	PROPN
ajoaa-1757	252	28	al	al	PROPN
ajoaa-1757	252	29	.	.	PROPN
ajoaa-1757	252	30	,	,	PUNCT
ajoaa-1757	252	31	2013	2013	NUM
ajoaa-1757	252	32	)	)	PUNCT
ajoaa-1757	252	33	.	.	PUNCT
ajoaa-1757	253	1	although	although	SCONJ
ajoaa-1757	253	2	the	the	DET
ajoaa-1757	253	3	farmers	farmer	NOUN
ajoaa-1757	253	4	perceived	perceive	VERB
ajoaa-1757	253	5	the	the	DET
ajoaa-1757	253	6	interest	interest	NOUN
ajoaa-1757	253	7	they	they	PRON
ajoaa-1757	253	8	paid	pay	VERB
ajoaa-1757	253	9	on	on	ADP
ajoaa-1757	253	10	the	the	DET
ajoaa-1757	253	11	loan	loan	NOUN
ajoaa-1757	253	12	to	to	PART
ajoaa-1757	253	13	be	be	AUX
ajoaa-1757	253	14	high	high	ADJ
ajoaa-1757	253	15	,	,	PUNCT
ajoaa-1757	253	16	it	it	PRON
ajoaa-1757	253	17	was	be	AUX
ajoaa-1757	253	18	far	far	ADV
ajoaa-1757	253	19	less	less	ADV
ajoaa-1757	253	20	expensive	expensive	ADJ
ajoaa-1757	253	21	to	to	PART
ajoaa-1757	253	22	borrow	borrow	VERB
ajoaa-1757	253	23	from	from	ADP
ajoaa-1757	253	24	the	the	DET
ajoaa-1757	253	25	microcredit	microcredit	NOUN
ajoaa-1757	253	26	programme	programme	NOUN
ajoaa-1757	253	27	than	than	ADP
ajoaa-1757	253	28	from	from	ADP
ajoaa-1757	253	29	local	local	ADJ
ajoaa-1757	253	30	moneylenders	moneylender	NOUN
ajoaa-1757	253	31	whose	whose	DET
ajoaa-1757	253	32	interest	interest	NOUN
ajoaa-1757	253	33	rates	rate	NOUN
ajoaa-1757	253	34	range	range	VERB
ajoaa-1757	253	35	from	from	ADP
ajoaa-1757	253	36	50	50	NUM
ajoaa-1757	253	37	%	%	NOUN
ajoaa-1757	253	38	to	to	ADP
ajoaa-1757	253	39	more	more	ADJ
ajoaa-1757	253	40	than	than	ADP
ajoaa-1757	253	41	100	100	NUM
ajoaa-1757	253	42	%	%	NOUN
ajoaa-1757	253	43	.	.	PUNCT
ajoaa-1757	254	1	to	to	ADP
ajoaa-1757	254	2	most	most	ADJ
ajoaa-1757	254	3	of	of	ADP
ajoaa-1757	254	4	the	the	DET
ajoaa-1757	254	5	farmers	farmer	NOUN
ajoaa-1757	254	6	,	,	PUNCT
ajoaa-1757	254	7	microcredit	microcredit	PROPN
ajoaa-1757	254	8	was	be	AUX
ajoaa-1757	254	9	the	the	DET
ajoaa-1757	254	10	only	only	ADJ
ajoaa-1757	254	11	opportunity	opportunity	NOUN
ajoaa-1757	254	12	to	to	PART
ajoaa-1757	254	13	get	get	VERB
ajoaa-1757	254	14	money	money	NOUN
ajoaa-1757	254	15	for	for	ADP
ajoaa-1757	254	16	their	their	PRON
ajoaa-1757	254	17	farming	farming	NOUN
ajoaa-1757	254	18	activities	activity	NOUN
ajoaa-1757	254	19	and	and	CCONJ
ajoaa-1757	254	20	so	so	ADV
ajoaa-1757	254	21	they	they	PRON
ajoaa-1757	254	22	preferred	prefer	VERB
ajoaa-1757	254	23	its	its	PRON
ajoaa-1757	254	24	sustainability	sustainability	NOUN
ajoaa-1757	254	25	to	to	ADP
ajoaa-1757	254	26	the	the	DET
ajoaa-1757	254	27	actual	actual	ADJ
ajoaa-1757	254	28	cost	cost	NOUN
ajoaa-1757	254	29	of	of	ADP
ajoaa-1757	254	30	the	the	DET
ajoaa-1757	254	31	credit	credit	NOUN
ajoaa-1757	254	32	.	.	PUNCT
ajoaa-1757	255	1	it	it	PRON
ajoaa-1757	255	2	was	be	AUX
ajoaa-1757	255	3	one	one	NUM
ajoaa-1757	255	4	of	of	ADP
ajoaa-1757	255	5	the	the	DET
ajoaa-1757	255	6	reasons	reason	NOUN
ajoaa-1757	255	7	why	why	SCONJ
ajoaa-1757	255	8	they	they	PRON
ajoaa-1757	255	9	took	take	VERB
ajoaa-1757	255	10	the	the	DET
ajoaa-1757	255	11	loans	loan	NOUN
ajoaa-1757	255	12	in	in	ADP
ajoaa-1757	255	13	spite	spite	NOUN
ajoaa-1757	255	14	of	of	ADP
ajoaa-1757	255	15	the	the	DET
ajoaa-1757	255	16	interest	interest	NOUN
ajoaa-1757	255	17	.	.	PUNCT
ajoaa-1757	256	1	as	as	SCONJ
ajoaa-1757	256	2	indicated	indicate	VERB
ajoaa-1757	256	3	in	in	ADP
ajoaa-1757	256	4	bateman	bateman	NOUN
ajoaa-1757	256	5	(	(	PUNCT
ajoaa-1757	256	6	2018	2018	NUM
ajoaa-1757	256	7	)	)	PUNCT
ajoaa-1757	256	8	,	,	PUNCT
ajoaa-1757	256	9	extremely	extremely	ADV
ajoaa-1757	256	10	high	high	ADJ
ajoaa-1757	256	11	interest	interest	NOUN
ajoaa-1757	256	12	which	which	PRON
ajoaa-1757	256	13	are	be	AUX
ajoaa-1757	256	14	charged	charge	VERB
ajoaa-1757	256	15	microcredit	microcredit	NOUN
ajoaa-1757	256	16	borrowers	borrower	NOUN
ajoaa-1757	256	17	are	be	AUX
ajoaa-1757	256	18	very	very	ADV
ajoaa-1757	256	19	inimical	inimical	ADJ
ajoaa-1757	256	20	to	to	ADP
ajoaa-1757	256	21	the	the	DET
ajoaa-1757	256	22	poor	poor	ADJ
ajoaa-1757	256	23	whose	whose	DET
ajoaa-1757	256	24	interest	interest	NOUN
ajoaa-1757	256	25	microcredit	microcredit	NOUN
ajoaa-1757	256	26	is	be	AUX
ajoaa-1757	256	27	supposed	suppose	VERB
ajoaa-1757	256	28	to	to	PART
ajoaa-1757	256	29	serve	serve	VERB
ajoaa-1757	256	30	.	.	PUNCT
ajoaa-1757	257	1	dependants	dependant	NOUN
ajoaa-1757	257	2	at	at	ADP
ajoaa-1757	257	3	10	10	NUM
ajoaa-1757	257	4	%	%	NOUN
ajoaa-1757	257	5	level	level	NOUN
ajoaa-1757	257	6	,	,	PUNCT
ajoaa-1757	257	7	the	the	DET
ajoaa-1757	257	8	model	model	NOUN
ajoaa-1757	257	9	showed	show	VERB
ajoaa-1757	257	10	a	a	DET
ajoaa-1757	257	11	positive	positive	ADJ
ajoaa-1757	257	12	and	and	CCONJ
ajoaa-1757	257	13	significant	significant	ADJ
ajoaa-1757	257	14	relationship	relationship	NOUN
ajoaa-1757	257	15	between	between	ADP
ajoaa-1757	257	16	repayment	repayment	NOUN
ajoaa-1757	257	17	rate	rate	NOUN
ajoaa-1757	257	18	and	and	CCONJ
ajoaa-1757	257	19	number	number	NOUN
ajoaa-1757	257	20	of	of	ADP
ajoaa-1757	257	21	dependants	dependant	NOUN
ajoaa-1757	257	22	.	.	PUNCT
ajoaa-1757	258	1	the	the	DET
ajoaa-1757	258	2	marginal	marginal	ADJ
ajoaa-1757	258	3	value	value	NOUN
ajoaa-1757	258	4	is	be	AUX
ajoaa-1757	258	5	0.16	0.16	NUM
ajoaa-1757	258	6	,	,	PUNCT
ajoaa-1757	258	7	implying	imply	VERB
ajoaa-1757	258	8	that	that	SCONJ
ajoaa-1757	258	9	the	the	DET
ajoaa-1757	258	10	probability	probability	NOUN
ajoaa-1757	258	11	of	of	ADP
ajoaa-1757	258	12	repayment	repayment	NOUN
ajoaa-1757	258	13	increases	increase	NOUN
ajoaa-1757	258	14	by	by	ADP
ajoaa-1757	258	15	16	16	NUM
ajoaa-1757	258	16	%	%	NOUN
ajoaa-1757	258	17	with	with	ADP
ajoaa-1757	258	18	a	a	DET
ajoaa-1757	258	19	unit	unit	NOUN
ajoaa-1757	258	20	increase	increase	NOUN
ajoaa-1757	258	21	in	in	ADP
ajoaa-1757	258	22	the	the	DET
ajoaa-1757	258	23	numbers	number	NOUN
ajoaa-1757	258	24	of	of	ADP
ajoaa-1757	258	25	dependants	dependant	NOUN
ajoaa-1757	258	26	.	.	PUNCT
ajoaa-1757	259	1	poor	poor	ADJ
ajoaa-1757	259	2	people	people	NOUN
ajoaa-1757	259	3	’s	’s	PART
ajoaa-1757	259	4	ability	ability	NOUN
ajoaa-1757	259	5	to	to	PART
ajoaa-1757	259	6	repay	repay	VERB
ajoaa-1757	259	7	loan	loan	NOUN
ajoaa-1757	259	8	is	be	AUX
ajoaa-1757	259	9	expected	expect	VERB
ajoaa-1757	259	10	to	to	PART
ajoaa-1757	259	11	correlate	correlate	VERB
ajoaa-1757	259	12	positively	positively	ADV
ajoaa-1757	259	13	or	or	CCONJ
ajoaa-1757	259	14	negatively	negatively	ADV
ajoaa-1757	259	15	with	with	ADP
ajoaa-1757	259	16	number	number	NOUN
ajoaa-1757	259	17	of	of	ADP
ajoaa-1757	259	18	dependants	dependant	NOUN
ajoaa-1757	259	19	.	.	PUNCT
ajoaa-1757	260	1	this	this	DET
ajoaa-1757	260	2	study	study	NOUN
ajoaa-1757	260	3	has	have	AUX
ajoaa-1757	260	4	shown	show	VERB
ajoaa-1757	260	5	that	that	SCONJ
ajoaa-1757	260	6	the	the	PRON
ajoaa-1757	260	7	higher	high	ADJ
ajoaa-1757	260	8	the	the	DET
ajoaa-1757	260	9	number	number	NOUN
ajoaa-1757	260	10	of	of	ADP
ajoaa-1757	260	11	dependants	dependant	NOUN
ajoaa-1757	260	12	,	,	PUNCT
ajoaa-1757	260	13	the	the	PRON
ajoaa-1757	260	14	higher	high	ADJ
ajoaa-1757	260	15	the	the	DET
ajoaa-1757	260	16	chance	chance	NOUN
ajoaa-1757	260	17	for	for	SCONJ
ajoaa-1757	260	18	the	the	DET
ajoaa-1757	260	19	borrower	borrower	NOUN
ajoaa-1757	260	20	to	to	PART
ajoaa-1757	260	21	repay	repay	VERB
ajoaa-1757	260	22	the	the	DET
ajoaa-1757	260	23	loan	loan	NOUN
ajoaa-1757	260	24	.	.	PUNCT
ajoaa-1757	261	1	this	this	PRON
ajoaa-1757	261	2	is	be	AUX
ajoaa-1757	261	3	possible	possible	ADJ
ajoaa-1757	261	4	with	with	ADP
ajoaa-1757	261	5	microcredit	microcredit	NOUN
ajoaa-1757	261	6	clients	client	NOUN
ajoaa-1757	261	7	who	who	PRON
ajoaa-1757	261	8	are	be	AUX
ajoaa-1757	261	9	farmers	farmer	NOUN
ajoaa-1757	261	10	.	.	PUNCT
ajoaa-1757	262	1	the	the	DET
ajoaa-1757	262	2	reason	reason	NOUN
ajoaa-1757	262	3	being	be	AUX
ajoaa-1757	262	4	that	that	SCONJ
ajoaa-1757	262	5	the	the	DET
ajoaa-1757	262	6	farmer	farmer	NOUN
ajoaa-1757	262	7	may	may	AUX
ajoaa-1757	262	8	use	use	VERB
ajoaa-1757	262	9	the	the	DET
ajoaa-1757	262	10	dependants	dependant	NOUN
ajoaa-1757	262	11	as	as	ADP
ajoaa-1757	262	12	farm	farm	NOUN
ajoaa-1757	262	13	labours	labour	NOUN
ajoaa-1757	262	14	to	to	PART
ajoaa-1757	262	15	increase	increase	VERB
ajoaa-1757	262	16	farm	farm	NOUN
ajoaa-1757	262	17	size	size	NOUN
ajoaa-1757	262	18	and	and	CCONJ
ajoaa-1757	262	19	productivity	productivity	NOUN
ajoaa-1757	262	20	at	at	ADP
ajoaa-1757	262	21	lower	low	ADJ
ajoaa-1757	262	22	cost	cost	NOUN
ajoaa-1757	262	23	.	.	PUNCT
ajoaa-1757	263	1	there	there	PRON
ajoaa-1757	263	2	will	will	AUX
ajoaa-1757	263	3	be	be	AUX
ajoaa-1757	263	4	increase	increase	NOUN
ajoaa-1757	263	5	in	in	ADP
ajoaa-1757	263	6	income	income	NOUN
ajoaa-1757	263	7	to	to	PART
ajoaa-1757	263	8	enable	enable	VERB
ajoaa-1757	263	9	loan	loan	NOUN
ajoaa-1757	263	10	ceteris	ceteris	NOUN
ajoaa-1757	263	11	paribus	paribus	NOUN
ajoaa-1757	263	12	.	.	PUNCT
ajoaa-1757	264	1	experience	experience	NOUN
ajoaa-1757	264	2	the	the	DET
ajoaa-1757	264	3	logistic	logistic	ADJ
ajoaa-1757	264	4	result	result	NOUN
ajoaa-1757	264	5	showed	show	VERB
ajoaa-1757	264	6	a	a	DET
ajoaa-1757	264	7	negative	negative	ADJ
ajoaa-1757	264	8	relation	relation	NOUN
ajoaa-1757	264	9	between	between	ADP
ajoaa-1757	264	10	repayment	repayment	NOUN
ajoaa-1757	264	11	and	and	CCONJ
ajoaa-1757	264	12	experience	experience	NOUN
ajoaa-1757	264	13	in	in	ADP
ajoaa-1757	264	14	farming	farming	NOUN
ajoaa-1757	264	15	which	which	PRON
ajoaa-1757	264	16	is	be	AUX
ajoaa-1757	264	17	significant	significant	ADJ
ajoaa-1757	264	18	at	at	ADP
ajoaa-1757	264	19	1	1	NUM
ajoaa-1757	264	20	%	%	NOUN
ajoaa-1757	264	21	level	level	NOUN
ajoaa-1757	264	22	and	and	CCONJ
ajoaa-1757	264	23	a	a	DET
ajoaa-1757	264	24	marginal	marginal	ADJ
ajoaa-1757	264	25	value	value	NOUN
ajoaa-1757	264	26	of	of	ADP
ajoaa-1757	264	27	-0.01	-0.01	NUM
ajoaa-1757	264	28	.	.	PUNCT
ajoaa-1757	265	1	this	this	PRON
ajoaa-1757	265	2	suggests	suggest	VERB
ajoaa-1757	265	3	that	that	SCONJ
ajoaa-1757	265	4	as	as	SCONJ
ajoaa-1757	265	5	experience	experience	NOUN
ajoaa-1757	265	6	increases	increase	VERB
ajoaa-1757	265	7	the	the	DET
ajoaa-1757	265	8	probability	probability	NOUN
ajoaa-1757	265	9	of	of	ADP
ajoaa-1757	265	10	the	the	DET
ajoaa-1757	265	11	farmer	farmer	NOUN
ajoaa-1757	265	12	defaulting	default	VERB
ajoaa-1757	265	13	increases	increase	NOUN
ajoaa-1757	265	14	by	by	ADP
ajoaa-1757	265	15	1	1	NUM
ajoaa-1757	265	16	%	%	NOUN
ajoaa-1757	265	17	.	.	PUNCT
ajoaa-1757	266	1	this	this	DET
ajoaa-1757	266	2	finding	finding	NOUN
ajoaa-1757	266	3	is	be	AUX
ajoaa-1757	266	4	contrary	contrary	ADJ
ajoaa-1757	266	5	to	to	ADP
ajoaa-1757	266	6	several	several	ADJ
ajoaa-1757	266	7	microfinance	microfinance	NOUN
ajoaa-1757	266	8	studies	study	NOUN
ajoaa-1757	266	9	(	(	PUNCT
ajoaa-1757	266	10	field	field	NOUN
ajoaa-1757	266	11	and	and	CCONJ
ajoaa-1757	266	12	plange	plange	NOUN
ajoaa-1757	266	13	,	,	PUNCT
ajoaa-1757	266	14	2007	2007	NUM
ajoaa-1757	266	15	;	;	PUNCT
ajoaa-1757	266	16	oladeebo	oladeebo	NOUN
ajoaa-1757	266	17	and	and	CCONJ
ajoaa-1757	266	18	oladeebo	oladeebo	NOUN
ajoaa-1757	266	19	,	,	PUNCT
ajoaa-1757	266	20	2008	2008	NUM
ajoaa-1757	266	21	;	;	PUNCT
ajoaa-1757	266	22	gerald	gerald	PROPN
ajoaa-1757	266	23	and	and	CCONJ
ajoaa-1757	266	24	obuobie	obuobie	PROPN
ajoaa-1757	266	25	,	,	PUNCT
ajoaa-1757	266	26	2010	2010	NUM
ajoaa-1757	266	27	;	;	PUNCT
ajoaa-1757	266	28	bichanga	bichanga	PROPN
ajoaa-1757	266	29	and	and	CCONJ
ajoaa-1757	266	30	lilian	lilian	PROPN
ajoaa-1757	266	31	,	,	PUNCT
ajoaa-1757	266	32	2013	2013	NUM
ajoaa-1757	266	33	)	)	PUNCT
ajoaa-1757	266	34	which	which	PRON
ajoaa-1757	266	35	posit	posit	VERB
ajoaa-1757	266	36	that	that	SCONJ
ajoaa-1757	266	37	clients	client	NOUN
ajoaa-1757	266	38	with	with	ADP
ajoaa-1757	266	39	longer	long	ADJ
ajoaa-1757	266	40	periods	period	NOUN
ajoaa-1757	266	41	of	of	ADP
ajoaa-1757	266	42	participation	participation	NOUN
ajoaa-1757	266	43	have	have	VERB
ajoaa-1757	266	44	higher	high	ADJ
ajoaa-1757	266	45	repayment	repayment	NOUN
ajoaa-1757	266	46	rates	rate	NOUN
ajoaa-1757	266	47	.	.	PUNCT
ajoaa-1757	267	1	oladeebo	oladeebo	NOUN
ajoaa-1757	267	2	and	and	CCONJ
ajoaa-1757	267	3	oladeebo	oladeebo	NOUN
ajoaa-1757	267	4	(	(	PUNCT
ajoaa-1757	267	5	2008	2008	NUM
ajoaa-1757	267	6	)	)	PUNCT
ajoaa-1757	267	7	for	for	ADP
ajoaa-1757	267	8	instance	instance	NOUN
ajoaa-1757	267	9	,	,	PUNCT
ajoaa-1757	267	10	examined	examine	VERB
ajoaa-1757	267	11	socioeconomic	socioeconomic	ADJ
ajoaa-1757	267	12	factors	factor	NOUN
ajoaa-1757	267	13	influencing	influence	VERB
ajoaa-1757	267	14	loan	loan	NOUN
ajoaa-1757	267	15	repayment	repayment	NOUN
ajoaa-1757	267	16	among	among	ADP
ajoaa-1757	267	17	small	small	ADJ
ajoaa-1757	267	18	scale	scale	NOUN
ajoaa-1757	267	19	farmers	farmer	NOUN
ajoaa-1757	267	20	in	in	ADP
ajoaa-1757	267	21	ogbomoso	ogbomoso	ADJ
ajoaa-1757	267	22	agricultural	agricultural	ADJ
ajoaa-1757	267	23	zone	zone	NOUN
ajoaa-1757	267	24	of	of	ADP
ajoaa-1757	267	25	oyo	oyo	NOUN
ajoaa-1757	267	26	state	state	NOUN
ajoaa-1757	267	27	of	of	ADP
ajoaa-1757	267	28	nigeria	nigeria	PROPN
ajoaa-1757	267	29	and	and	CCONJ
ajoaa-1757	267	30	revealed	reveal	VERB
ajoaa-1757	267	31	that	that	SCONJ
ajoaa-1757	267	32	amount	amount	NOUN
ajoaa-1757	267	33	of	of	ADP
ajoaa-1757	267	34	loan	loan	NOUN
ajoaa-1757	267	35	obtained	obtain	VERB
ajoaa-1757	267	36	by	by	ADP
ajoaa-1757	267	37	farmers	farmer	NOUN
ajoaa-1757	267	38	,	,	PUNCT
ajoaa-1757	267	39	years	year	NOUN
ajoaa-1757	267	40	of	of	ADP
ajoaa-1757	267	41	farming	farming	NOUN
ajoaa-1757	267	42	experience	experience	NOUN
ajoaa-1757	267	43	with	with	ADP
ajoaa-1757	267	44	credit	credit	NOUN
ajoaa-1757	267	45	use	use	NOUN
ajoaa-1757	267	46	and	and	CCONJ
ajoaa-1757	267	47	level	level	NOUN
ajoaa-1757	267	48	of	of	ADP
ajoaa-1757	267	49	education	education	NOUN
ajoaa-1757	267	50	were	be	AUX
ajoaa-1757	267	51	the	the	DET
ajoaa-1757	267	52	major	major	ADJ
ajoaa-1757	267	53	factors	factor	NOUN
ajoaa-1757	267	54	that	that	PRON
ajoaa-1757	267	55	positively	positively	ADV
ajoaa-1757	267	56	and	and	CCONJ
ajoaa-1757	267	57	significantly	significantly	ADV
ajoaa-1757	267	58	influenced	influence	VERB
ajoaa-1757	267	59	loan	loan	NOUN
ajoaa-1757	267	60	repayment	repayment	NOUN
ajoaa-1757	267	61	.	.	PUNCT
ajoaa-1757	268	1	it	it	PRON
ajoaa-1757	268	2	is	be	AUX
ajoaa-1757	268	3	possible	possible	ADJ
ajoaa-1757	268	4	that	that	SCONJ
ajoaa-1757	268	5	experienced	experience	VERB
ajoaa-1757	268	6	farmers	farmer	NOUN
ajoaa-1757	268	7	in	in	ADP
ajoaa-1757	268	8	this	this	DET
ajoaa-1757	268	9	study	study	NOUN
ajoaa-1757	268	10	were	be	AUX
ajoaa-1757	268	11	asian	asian	ADJ
ajoaa-1757	268	12	journal	journal	NOUN
ajoaa-1757	268	13	of	of	ADP
ajoaa-1757	268	14	agriculture	agriculture	NOUN
ajoaa-1757	268	15	and	and	CCONJ
ajoaa-1757	268	16	rural	rural	ADJ
ajoaa-1757	268	17	development	development	NOUN
ajoaa-1757	268	18	,	,	PUNCT
ajoaa-1757	268	19	8(2)2018	8(2)2018	NUM
ajoaa-1757	268	20	:	:	PUNCT
ajoaa-1757	268	21	74	74	NUM
ajoaa-1757	268	22	-	-	SYM
ajoaa-1757	268	23	91	91	NUM
ajoaa-1757	268	24	86	86	NUM
ajoaa-1757	268	25	the	the	DET
ajoaa-1757	268	26	very	very	ADV
ajoaa-1757	268	27	old	old	ADJ
ajoaa-1757	268	28	ones	one	NOUN
ajoaa-1757	268	29	with	with	ADP
ajoaa-1757	268	30	smaller	small	ADJ
ajoaa-1757	268	31	farm	farm	NOUN
ajoaa-1757	268	32	sizes	size	NOUN
ajoaa-1757	268	33	,	,	PUNCT
ajoaa-1757	268	34	low	low	ADJ
ajoaa-1757	268	35	output	output	NOUN
ajoaa-1757	268	36	and	and	CCONJ
ajoaa-1757	268	37	small	small	ADJ
ajoaa-1757	268	38	income	income	NOUN
ajoaa-1757	268	39	resulting	result	VERB
ajoaa-1757	268	40	in	in	ADP
ajoaa-1757	268	41	their	their	PRON
ajoaa-1757	268	42	susceptibility	susceptibility	NOUN
ajoaa-1757	268	43	to	to	AUX
ajoaa-1757	268	44	default	default	NOUN
ajoaa-1757	268	45	.	.	PUNCT
ajoaa-1757	269	1	perception	perception	NOUN
ajoaa-1757	269	2	of	of	ADP
ajoaa-1757	269	3	pressure	pressure	NOUN
ajoaa-1757	269	4	as	as	SCONJ
ajoaa-1757	269	5	expected	expect	VERB
ajoaa-1757	269	6	the	the	DET
ajoaa-1757	269	7	perception	perception	NOUN
ajoaa-1757	269	8	of	of	ADP
ajoaa-1757	269	9	pressure	pressure	NOUN
ajoaa-1757	269	10	though	though	ADV
ajoaa-1757	269	11	not	not	PART
ajoaa-1757	269	12	significant	significant	ADJ
ajoaa-1757	269	13	increases	increase	VERB
ajoaa-1757	269	14	the	the	DET
ajoaa-1757	269	15	probability	probability	NOUN
ajoaa-1757	269	16	of	of	ADP
ajoaa-1757	269	17	repayment	repayment	NOUN
ajoaa-1757	269	18	by	by	ADP
ajoaa-1757	269	19	0.1	0.1	NUM
ajoaa-1757	269	20	%	%	NOUN
ajoaa-1757	269	21	.	.	PUNCT
ajoaa-1757	270	1	this	this	PRON
ajoaa-1757	270	2	may	may	AUX
ajoaa-1757	270	3	be	be	AUX
ajoaa-1757	270	4	so	so	ADV
ajoaa-1757	270	5	if	if	SCONJ
ajoaa-1757	270	6	the	the	DET
ajoaa-1757	270	7	farmers	farmer	NOUN
ajoaa-1757	270	8	do	do	AUX
ajoaa-1757	270	9	not	not	PART
ajoaa-1757	270	10	like	like	VERB
ajoaa-1757	270	11	to	to	PART
ajoaa-1757	270	12	be	be	AUX
ajoaa-1757	270	13	constantly	constantly	ADV
ajoaa-1757	270	14	harassed	harass	VERB
ajoaa-1757	270	15	by	by	ADP
ajoaa-1757	270	16	credit	credit	NOUN
ajoaa-1757	270	17	providers	provider	NOUN
ajoaa-1757	270	18	since	since	SCONJ
ajoaa-1757	270	19	it	it	PRON
ajoaa-1757	270	20	may	may	AUX
ajoaa-1757	270	21	be	be	AUX
ajoaa-1757	270	22	disgraceful	disgraceful	ADJ
ajoaa-1757	270	23	to	to	ADP
ajoaa-1757	270	24	their	their	PRON
ajoaa-1757	270	25	households	household	NOUN
ajoaa-1757	270	26	.	.	PUNCT
ajoaa-1757	271	1	in	in	ADP
ajoaa-1757	271	2	a	a	DET
ajoaa-1757	271	3	study	study	NOUN
ajoaa-1757	271	4	in	in	ADP
ajoaa-1757	271	5	lima	lima	PROPN
ajoaa-1757	271	6	referred	refer	VERB
ajoaa-1757	271	7	to	to	ADP
ajoaa-1757	271	8	as	as	ADP
ajoaa-1757	271	9	“	"	PUNCT
ajoaa-1757	271	10	microfinance	microfinance	NOUN
ajoaa-1757	271	11	games	game	NOUN
ajoaa-1757	271	12	”	"	PUNCT
ajoaa-1757	271	13	giné	giné	PROPN
ajoaa-1757	271	14	et	et	PROPN
ajoaa-1757	271	15	al	al	PROPN
ajoaa-1757	271	16	.	.	PROPN
ajoaa-1757	272	1	(	(	PUNCT
ajoaa-1757	272	2	2010	2010	NUM
ajoaa-1757	272	3	)	)	PUNCT
ajoaa-1757	272	4	found	find	VERB
ajoaa-1757	272	5	that	that	SCONJ
ajoaa-1757	272	6	microcredit	microcredit	NOUN
ajoaa-1757	272	7	borrowers	borrower	NOUN
ajoaa-1757	272	8	who	who	PRON
ajoaa-1757	272	9	defaulted	default	VERB
ajoaa-1757	272	10	were	be	AUX
ajoaa-1757	272	11	ostracized	ostracize	VERB
ajoaa-1757	272	12	by	by	ADP
ajoaa-1757	272	13	their	their	PRON
ajoaa-1757	272	14	peers	peer	NOUN
ajoaa-1757	272	15	,	,	PUNCT
ajoaa-1757	272	16	and	and	CCONJ
ajoaa-1757	272	17	threated	threate	VERB
ajoaa-1757	272	18	of	of	ADP
ajoaa-1757	272	19	court	court	NOUN
ajoaa-1757	272	20	actions	action	NOUN
ajoaa-1757	272	21	which	which	PRON
ajoaa-1757	272	22	influenced	influence	VERB
ajoaa-1757	272	23	repayment	repayment	NOUN
ajoaa-1757	272	24	.	.	PUNCT
ajoaa-1757	273	1	total	total	ADJ
ajoaa-1757	273	2	income	income	NOUN
ajoaa-1757	273	3	income	income	NOUN
ajoaa-1757	273	4	as	as	ADP
ajoaa-1757	273	5	a	a	DET
ajoaa-1757	273	6	factor	factor	NOUN
ajoaa-1757	273	7	that	that	PRON
ajoaa-1757	273	8	determines	determine	VERB
ajoaa-1757	273	9	the	the	DET
ajoaa-1757	273	10	ability	ability	NOUN
ajoaa-1757	273	11	to	to	PART
ajoaa-1757	273	12	repay	repay	VERB
ajoaa-1757	273	13	the	the	DET
ajoaa-1757	273	14	microcredit	microcredit	NOUN
ajoaa-1757	273	15	advanced	advance	VERB
ajoaa-1757	273	16	to	to	ADP
ajoaa-1757	273	17	the	the	DET
ajoaa-1757	273	18	farmers	farmer	NOUN
ajoaa-1757	273	19	in	in	ADP
ajoaa-1757	273	20	the	the	DET
ajoaa-1757	273	21	study	study	NOUN
ajoaa-1757	273	22	area	area	NOUN
ajoaa-1757	273	23	met	meet	VERB
ajoaa-1757	273	24	the	the	DET
ajoaa-1757	273	25	a	a	DET
ajoaa-1757	273	26	priori	priori	ADJ
ajoaa-1757	273	27	expectation	expectation	NOUN
ajoaa-1757	273	28	.	.	PUNCT
ajoaa-1757	274	1	it	it	PRON
ajoaa-1757	274	2	has	have	VERB
ajoaa-1757	274	3	a	a	DET
ajoaa-1757	274	4	positive	positive	ADJ
ajoaa-1757	274	5	relationship	relationship	NOUN
ajoaa-1757	274	6	with	with	ADP
ajoaa-1757	274	7	ability	ability	NOUN
ajoaa-1757	274	8	to	to	PART
ajoaa-1757	274	9	repay	repay	VERB
ajoaa-1757	274	10	the	the	DET
ajoaa-1757	274	11	credit	credit	NOUN
ajoaa-1757	274	12	and	and	CCONJ
ajoaa-1757	274	13	significant	significant	ADJ
ajoaa-1757	274	14	at	at	ADP
ajoaa-1757	274	15	1	1	NUM
ajoaa-1757	274	16	%	%	NOUN
ajoaa-1757	274	17	.	.	PUNCT
ajoaa-1757	275	1	it	it	PRON
ajoaa-1757	275	2	increases	increase	VERB
ajoaa-1757	275	3	the	the	DET
ajoaa-1757	275	4	ability	ability	NOUN
ajoaa-1757	275	5	to	to	PART
ajoaa-1757	275	6	repay	repay	VERB
ajoaa-1757	275	7	by	by	ADP
ajoaa-1757	275	8	5.3	5.3	NUM
ajoaa-1757	275	9	%	%	NOUN
ajoaa-1757	275	10	because	because	SCONJ
ajoaa-1757	275	11	it	it	PRON
ajoaa-1757	275	12	has	have	VERB
ajoaa-1757	275	13	a	a	DET
ajoaa-1757	275	14	marginal	marginal	ADJ
ajoaa-1757	275	15	value	value	NOUN
ajoaa-1757	275	16	of	of	ADP
ajoaa-1757	275	17	0.053	0.053	NUM
ajoaa-1757	275	18	.	.	PUNCT
ajoaa-1757	276	1	rise	rise	VERB
ajoaa-1757	276	2	in	in	ADP
ajoaa-1757	276	3	income	income	NOUN
ajoaa-1757	276	4	can	can	AUX
ajoaa-1757	276	5	influence	influence	VERB
ajoaa-1757	276	6	savings	saving	NOUN
ajoaa-1757	276	7	and	and	CCONJ
ajoaa-1757	276	8	loan	loan	NOUN
ajoaa-1757	276	9	repayment	repayment	NOUN
ajoaa-1757	276	10	.	.	PUNCT
ajoaa-1757	277	1	quantum	quantum	NOUN
ajoaa-1757	277	2	of	of	ADP
ajoaa-1757	277	3	loan	loan	NOUN
ajoaa-1757	277	4	/	/	SYM
ajoaa-1757	277	5	total	total	NOUN
ajoaa-1757	277	6	credit	credit	NOUN
ajoaa-1757	277	7	granted	grant	VERB
ajoaa-1757	277	8	usually	usually	ADV
ajoaa-1757	277	9	,	,	PUNCT
ajoaa-1757	277	10	the	the	DET
ajoaa-1757	277	11	quantum	quantum	NOUN
ajoaa-1757	277	12	of	of	ADP
ajoaa-1757	277	13	loan	loan	NOUN
ajoaa-1757	277	14	received	receive	VERB
ajoaa-1757	277	15	and	and	CCONJ
ajoaa-1757	277	16	ability	ability	NOUN
ajoaa-1757	277	17	to	to	PART
ajoaa-1757	277	18	repay	repay	VERB
ajoaa-1757	277	19	is	be	AUX
ajoaa-1757	277	20	expected	expect	VERB
ajoaa-1757	277	21	to	to	PART
ajoaa-1757	277	22	correlate	correlate	VERB
ajoaa-1757	277	23	in	in	ADP
ajoaa-1757	277	24	both	both	CCONJ
ajoaa-1757	277	25	positive	positive	ADJ
ajoaa-1757	277	26	and	and	CCONJ
ajoaa-1757	277	27	negative	negative	ADJ
ajoaa-1757	277	28	directions	direction	NOUN
ajoaa-1757	277	29	.	.	PUNCT
ajoaa-1757	278	1	this	this	PRON
ajoaa-1757	278	2	is	be	AUX
ajoaa-1757	278	3	because	because	SCONJ
ajoaa-1757	278	4	on	on	ADP
ajoaa-1757	278	5	one	one	NUM
ajoaa-1757	278	6	hand	hand	NOUN
ajoaa-1757	278	7	,	,	PUNCT
ajoaa-1757	278	8	too	too	ADV
ajoaa-1757	278	9	much	much	ADJ
ajoaa-1757	278	10	credit	credit	NOUN
ajoaa-1757	278	11	may	may	AUX
ajoaa-1757	278	12	lead	lead	VERB
ajoaa-1757	278	13	to	to	ADP
ajoaa-1757	278	14	abuse	abuse	NOUN
ajoaa-1757	278	15	and	and	CCONJ
ajoaa-1757	278	16	repayment	repayment	NOUN
ajoaa-1757	278	17	challenges	challenge	NOUN
ajoaa-1757	278	18	.	.	PUNCT
ajoaa-1757	279	1	on	on	ADP
ajoaa-1757	279	2	the	the	DET
ajoaa-1757	279	3	other	other	ADJ
ajoaa-1757	279	4	hand	hand	NOUN
ajoaa-1757	279	5	,	,	PUNCT
ajoaa-1757	279	6	too	too	ADV
ajoaa-1757	279	7	small	small	ADJ
ajoaa-1757	279	8	credit	credit	NOUN
ajoaa-1757	279	9	even	even	ADV
ajoaa-1757	279	10	though	though	SCONJ
ajoaa-1757	279	11	not	not	PART
ajoaa-1757	279	12	adequate	adequate	ADJ
ajoaa-1757	279	13	for	for	ADP
ajoaa-1757	279	14	the	the	DET
ajoaa-1757	279	15	farmer	farmer	NOUN
ajoaa-1757	279	16	,	,	PUNCT
ajoaa-1757	279	17	can	can	AUX
ajoaa-1757	279	18	be	be	AUX
ajoaa-1757	279	19	easily	easily	ADV
ajoaa-1757	279	20	paid	pay	VERB
ajoaa-1757	279	21	.	.	PUNCT
ajoaa-1757	280	1	the	the	DET
ajoaa-1757	280	2	study	study	NOUN
ajoaa-1757	280	3	revealed	reveal	VERB
ajoaa-1757	280	4	a	a	DET
ajoaa-1757	280	5	positive	positive	ADJ
ajoaa-1757	280	6	relationship	relationship	NOUN
ajoaa-1757	280	7	between	between	ADP
ajoaa-1757	280	8	the	the	DET
ajoaa-1757	280	9	quantum	quantum	NOUN
ajoaa-1757	280	10	of	of	ADP
ajoaa-1757	280	11	credit	credit	NOUN
ajoaa-1757	280	12	received	receive	VERB
ajoaa-1757	280	13	and	and	CCONJ
ajoaa-1757	280	14	the	the	DET
ajoaa-1757	280	15	ability	ability	NOUN
ajoaa-1757	280	16	to	to	PART
ajoaa-1757	280	17	repay	repay	VERB
ajoaa-1757	280	18	with	with	ADP
ajoaa-1757	280	19	a	a	DET
ajoaa-1757	280	20	marginal	marginal	ADJ
ajoaa-1757	280	21	value	value	NOUN
ajoaa-1757	280	22	of	of	ADP
ajoaa-1757	280	23	0.32	0.32	NUM
ajoaa-1757	280	24	.	.	PUNCT
ajoaa-1757	281	1	this	this	PRON
ajoaa-1757	281	2	implies	imply	VERB
ajoaa-1757	281	3	that	that	SCONJ
ajoaa-1757	281	4	a	a	DET
ajoaa-1757	281	5	unit	unit	NOUN
ajoaa-1757	281	6	increase	increase	NOUN
ajoaa-1757	281	7	in	in	ADP
ajoaa-1757	281	8	the	the	DET
ajoaa-1757	281	9	quantum	quantum	NOUN
ajoaa-1757	281	10	of	of	ADP
ajoaa-1757	281	11	credit	credit	NOUN
ajoaa-1757	281	12	will	will	AUX
ajoaa-1757	281	13	result	result	VERB
ajoaa-1757	281	14	in	in	ADP
ajoaa-1757	281	15	32	32	NUM
ajoaa-1757	281	16	%	%	NOUN
ajoaa-1757	281	17	likelihood	likelihood	NOUN
ajoaa-1757	281	18	of	of	ADP
ajoaa-1757	281	19	repayment	repayment	NOUN
ajoaa-1757	281	20	.	.	PUNCT
ajoaa-1757	282	1	the	the	DET
ajoaa-1757	282	2	reason	reason	NOUN
ajoaa-1757	282	3	is	be	AUX
ajoaa-1757	282	4	that	that	SCONJ
ajoaa-1757	282	5	the	the	PRON
ajoaa-1757	282	6	bigger	big	ADJ
ajoaa-1757	282	7	the	the	DET
ajoaa-1757	282	8	loan	loan	NOUN
ajoaa-1757	282	9	,	,	PUNCT
ajoaa-1757	282	10	the	the	PRON
ajoaa-1757	282	11	higher	high	ADJ
ajoaa-1757	282	12	the	the	DET
ajoaa-1757	282	13	opportunity	opportunity	NOUN
ajoaa-1757	282	14	to	to	PART
ajoaa-1757	282	15	invest	invest	VERB
ajoaa-1757	282	16	more	more	ADJ
ajoaa-1757	282	17	in	in	ADP
ajoaa-1757	282	18	the	the	DET
ajoaa-1757	282	19	farm	farm	NOUN
ajoaa-1757	282	20	(	(	PUNCT
ajoaa-1757	282	21	purchase	purchase	VERB
ajoaa-1757	282	22	more	more	ADJ
ajoaa-1757	282	23	inputs	input	NOUN
ajoaa-1757	282	24	and	and	CCONJ
ajoaa-1757	282	25	increase	increase	VERB
ajoaa-1757	282	26	farm	farm	NOUN
ajoaa-1757	282	27	size	size	NOUN
ajoaa-1757	282	28	)	)	PUNCT
ajoaa-1757	282	29	.	.	PUNCT
ajoaa-1757	283	1	ceteris	ceteris	NOUN
ajoaa-1757	283	2	paribus	paribus	NOUN
ajoaa-1757	283	3	this	this	PRON
ajoaa-1757	283	4	will	will	AUX
ajoaa-1757	283	5	increase	increase	VERB
ajoaa-1757	283	6	productivity	productivity	NOUN
ajoaa-1757	283	7	and	and	CCONJ
ajoaa-1757	283	8	farm	farm	NOUN
ajoaa-1757	283	9	returns	return	NOUN
ajoaa-1757	283	10	,	,	PUNCT
ajoaa-1757	283	11	thus	thus	ADV
ajoaa-1757	283	12	facilitating	facilitate	VERB
ajoaa-1757	283	13	repayment	repayment	NOUN
ajoaa-1757	283	14	with	with	ADP
ajoaa-1757	283	15	ease	ease	NOUN
ajoaa-1757	283	16	.	.	PUNCT
ajoaa-1757	284	1	this	this	DET
ajoaa-1757	284	2	relationship	relationship	NOUN
ajoaa-1757	284	3	is	be	AUX
ajoaa-1757	284	4	,	,	PUNCT
ajoaa-1757	284	5	however	however	ADV
ajoaa-1757	284	6	,	,	PUNCT
ajoaa-1757	284	7	statistically	statistically	ADV
ajoaa-1757	284	8	insignificant	insignificant	ADJ
ajoaa-1757	284	9	.	.	PUNCT
ajoaa-1757	285	1	repayment	repayment	NOUN
ajoaa-1757	285	2	duration	duration	NOUN
ajoaa-1757	285	3	the	the	DET
ajoaa-1757	285	4	model	model	NOUN
ajoaa-1757	285	5	depicts	depict	VERB
ajoaa-1757	285	6	negative	negative	ADJ
ajoaa-1757	285	7	relationship	relationship	NOUN
ajoaa-1757	285	8	with	with	ADP
ajoaa-1757	285	9	the	the	DET
ajoaa-1757	285	10	rate	rate	NOUN
ajoaa-1757	285	11	of	of	ADP
ajoaa-1757	285	12	repayment	repayment	NOUN
ajoaa-1757	285	13	.	.	PUNCT
ajoaa-1757	286	1	this	this	PRON
ajoaa-1757	286	2	is	be	AUX
ajoaa-1757	286	3	significant	significant	ADJ
ajoaa-1757	286	4	at	at	ADP
ajoaa-1757	286	5	5	5	NUM
ajoaa-1757	286	6	%	%	NOUN
ajoaa-1757	286	7	level	level	NOUN
ajoaa-1757	286	8	with	with	ADP
ajoaa-1757	286	9	a	a	DET
ajoaa-1757	286	10	marginal	marginal	ADJ
ajoaa-1757	286	11	effect	effect	NOUN
ajoaa-1757	286	12	of	of	ADP
ajoaa-1757	286	13	-0.27	-0.27	PROPN
ajoaa-1757	286	14	,	,	PUNCT
ajoaa-1757	286	15	implying	imply	VERB
ajoaa-1757	286	16	that	that	SCONJ
ajoaa-1757	286	17	,	,	PUNCT
ajoaa-1757	286	18	the	the	DET
ajoaa-1757	286	19	probability	probability	NOUN
ajoaa-1757	286	20	of	of	ADP
ajoaa-1757	286	21	default	default	NOUN
ajoaa-1757	286	22	rises	rise	NOUN
ajoaa-1757	286	23	by	by	ADP
ajoaa-1757	286	24	27	27	NUM
ajoaa-1757	286	25	%	%	NOUN
ajoaa-1757	286	26	as	as	ADP
ajoaa-1757	286	27	repayment	repayment	NOUN
ajoaa-1757	286	28	duration	duration	NOUN
ajoaa-1757	286	29	increases	increase	NOUN
ajoaa-1757	286	30	.	.	PUNCT
ajoaa-1757	287	1	this	this	DET
ajoaa-1757	287	2	finding	finding	NOUN
ajoaa-1757	287	3	corroborate	corroborate	VERB
ajoaa-1757	287	4	to	to	PART
ajoaa-1757	287	5	roslan	roslan	VERB
ajoaa-1757	287	6	and	and	CCONJ
ajoaa-1757	287	7	mohd	mohd	NOUN
ajoaa-1757	287	8	-	-	PUNCT
ajoaa-1757	287	9	zaini	zaini	NOUN
ajoaa-1757	287	10	(	(	PUNCT
ajoaa-1757	287	11	2009	2009	NUM
ajoaa-1757	287	12	)	)	PUNCT
ajoaa-1757	287	13	observation	observation	NOUN
ajoaa-1757	287	14	after	after	ADP
ajoaa-1757	287	15	analyzing	analyze	VERB
ajoaa-1757	287	16	the	the	DET
ajoaa-1757	287	17	determinant	determinant	NOUN
ajoaa-1757	287	18	of	of	ADP
ajoaa-1757	287	19	microcredit	microcredit	NOUN
ajoaa-1757	287	20	repayment	repayment	NOUN
ajoaa-1757	287	21	in	in	ADP
ajoaa-1757	287	22	malaysia	malaysia	PROPN
ajoaa-1757	287	23	.	.	PUNCT
ajoaa-1757	288	1	the	the	DET
ajoaa-1757	288	2	finding	finding	NOUN
ajoaa-1757	288	3	is	be	AUX
ajoaa-1757	288	4	ironic	ironic	ADJ
ajoaa-1757	288	5	,	,	PUNCT
ajoaa-1757	288	6	given	give	VERB
ajoaa-1757	288	7	that	that	SCONJ
ajoaa-1757	288	8	microcredit	microcredit	NOUN
ajoaa-1757	288	9	clients	client	NOUN
ajoaa-1757	288	10	usually	usually	ADV
ajoaa-1757	288	11	complain	complain	VERB
ajoaa-1757	288	12	about	about	ADP
ajoaa-1757	288	13	short	short	ADJ
ajoaa-1757	288	14	periods	period	NOUN
ajoaa-1757	288	15	of	of	ADP
ajoaa-1757	288	16	repayment	repayment	NOUN
ajoaa-1757	288	17	yet	yet	ADV
ajoaa-1757	288	18	,	,	PUNCT
ajoaa-1757	288	19	from	from	ADP
ajoaa-1757	288	20	this	this	DET
ajoaa-1757	288	21	study	study	NOUN
ajoaa-1757	288	22	,	,	PUNCT
ajoaa-1757	288	23	an	an	DET
ajoaa-1757	288	24	increase	increase	NOUN
ajoaa-1757	288	25	in	in	ADP
ajoaa-1757	288	26	the	the	DET
ajoaa-1757	288	27	repayment	repayment	NOUN
ajoaa-1757	288	28	duration	duration	NOUN
ajoaa-1757	288	29	increases	increase	VERB
ajoaa-1757	288	30	the	the	DET
ajoaa-1757	288	31	probability	probability	NOUN
ajoaa-1757	288	32	of	of	ADP
ajoaa-1757	288	33	default	default	NOUN
ajoaa-1757	288	34	.	.	PUNCT
ajoaa-1757	289	1	long	long	ADJ
ajoaa-1757	289	2	repayment	repayment	NOUN
ajoaa-1757	289	3	duration	duration	NOUN
ajoaa-1757	289	4	can	can	AUX
ajoaa-1757	289	5	lead	lead	VERB
ajoaa-1757	289	6	to	to	ADP
ajoaa-1757	289	7	irresponsible	irresponsible	ADJ
ajoaa-1757	289	8	behavior	behavior	NOUN
ajoaa-1757	289	9	on	on	ADP
ajoaa-1757	289	10	the	the	DET
ajoaa-1757	289	11	part	part	NOUN
ajoaa-1757	289	12	of	of	ADP
ajoaa-1757	289	13	borrowers	borrower	NOUN
ajoaa-1757	289	14	.	.	PUNCT
ajoaa-1757	290	1	according	accord	VERB
ajoaa-1757	290	2	to	to	ADP
ajoaa-1757	290	3	ledgerwood	ledgerwood	NOUN
ajoaa-1757	290	4	(	(	PUNCT
ajoaa-1757	290	5	1999	1999	NUM
ajoaa-1757	290	6	)	)	PUNCT
ajoaa-1757	290	7	,	,	PUNCT
ajoaa-1757	290	8	short	short	ADJ
ajoaa-1757	290	9	repayment	repayment	NOUN
ajoaa-1757	290	10	periods	period	NOUN
ajoaa-1757	290	11	not	not	PART
ajoaa-1757	290	12	only	only	ADV
ajoaa-1757	290	13	enhances	enhance	VERB
ajoaa-1757	290	14	microcredit	microcredit	NOUN
ajoaa-1757	290	15	repayment	repayment	NOUN
ajoaa-1757	290	16	but	but	CCONJ
ajoaa-1757	290	17	ensures	ensure	VERB
ajoaa-1757	290	18	the	the	DET
ajoaa-1757	290	19	sustainability	sustainability	NOUN
ajoaa-1757	290	20	of	of	ADP
ajoaa-1757	290	21	mfis	mfis	NOUN
ajoaa-1757	290	22	as	as	ADV
ajoaa-1757	290	23	well	well	ADV
ajoaa-1757	290	24	.	.	PUNCT
ajoaa-1757	291	1	indeed	indeed	ADV
ajoaa-1757	291	2	,	,	PUNCT
ajoaa-1757	291	3	short	short	ADJ
ajoaa-1757	291	4	repayment	repayment	NOUN
ajoaa-1757	291	5	schedules	schedule	NOUN
ajoaa-1757	291	6	limited	limit	VERB
ajoaa-1757	291	7	the	the	DET
ajoaa-1757	291	8	types	type	NOUN
ajoaa-1757	291	9	of	of	ADP
ajoaa-1757	291	10	activities	activity	NOUN
ajoaa-1757	291	11	and	and	CCONJ
ajoaa-1757	291	12	investments	investment	NOUN
ajoaa-1757	291	13	that	that	PRON
ajoaa-1757	291	14	can	can	AUX
ajoaa-1757	291	15	be	be	AUX
ajoaa-1757	291	16	financed	finance	VERB
ajoaa-1757	291	17	by	by	ADP
ajoaa-1757	291	18	micro	micro	ADJ
ajoaa-1757	291	19	loans	loan	NOUN
ajoaa-1757	291	20	.	.	PUNCT
ajoaa-1757	292	1	certain	certain	ADJ
ajoaa-1757	292	2	businesses	business	NOUN
ajoaa-1757	292	3	have	have	VERB
ajoaa-1757	292	4	long	long	ADJ
ajoaa-1757	292	5	gestation	gestation	NOUN
ajoaa-1757	292	6	period	period	NOUN
ajoaa-1757	292	7	and	and	CCONJ
ajoaa-1757	292	8	do	do	AUX
ajoaa-1757	292	9	not	not	PART
ajoaa-1757	292	10	yield	yield	VERB
ajoaa-1757	292	11	returns	return	NOUN
ajoaa-1757	292	12	immediately	immediately	ADV
ajoaa-1757	292	13	to	to	PART
ajoaa-1757	292	14	allow	allow	VERB
ajoaa-1757	292	15	regular	regular	ADJ
ajoaa-1757	292	16	repayment	repayment	NOUN
ajoaa-1757	292	17	directly	directly	ADV
ajoaa-1757	292	18	after	after	ADP
ajoaa-1757	292	19	credit	credit	NOUN
ajoaa-1757	292	20	disbursement	disbursement	NOUN
ajoaa-1757	292	21	.	.	PUNCT
ajoaa-1757	293	1	perhaps	perhaps	ADV
ajoaa-1757	293	2	,	,	PUNCT
ajoaa-1757	293	3	this	this	PRON
ajoaa-1757	293	4	was	be	AUX
ajoaa-1757	293	5	the	the	DET
ajoaa-1757	293	6	reason	reason	NOUN
ajoaa-1757	293	7	why	why	SCONJ
ajoaa-1757	293	8	some	some	DET
ajoaa-1757	293	9	farmers	farmer	NOUN
ajoaa-1757	293	10	were	be	AUX
ajoaa-1757	293	11	found	find	VERB
ajoaa-1757	293	12	to	to	PART
ajoaa-1757	293	13	have	have	VERB
ajoaa-1757	293	14	repayment	repayment	NOUN
ajoaa-1757	293	15	challenges	challenge	NOUN
ajoaa-1757	293	16	as	as	SCONJ
ajoaa-1757	293	17	farm	farm	NOUN
ajoaa-1757	293	18	products	product	NOUN
ajoaa-1757	293	19	takes	take	VERB
ajoaa-1757	293	20	some	some	DET
ajoaa-1757	293	21	time	time	NOUN
ajoaa-1757	293	22	to	to	PART
ajoaa-1757	293	23	mature	mature	VERB
ajoaa-1757	293	24	compared	compare	VERB
ajoaa-1757	293	25	to	to	ADP
ajoaa-1757	293	26	artisans	artisan	NOUN
ajoaa-1757	293	27	and	and	CCONJ
ajoaa-1757	293	28	shopkeepers	shopkeeper	NOUN
ajoaa-1757	293	29	whose	whose	DET
ajoaa-1757	293	30	businesses	business	NOUN
ajoaa-1757	293	31	yield	yield	VERB
ajoaa-1757	293	32	daily	daily	ADJ
ajoaa-1757	293	33	income	income	NOUN
ajoaa-1757	293	34	.	.	PUNCT
ajoaa-1757	294	1	table	table	NOUN
ajoaa-1757	294	2	2	2	NUM
ajoaa-1757	294	3	in	in	ADP
ajoaa-1757	294	4	appendix	appendix	NOUN
ajoaa-1757	294	5	shows	show	VERB
ajoaa-1757	294	6	details	detail	NOUN
ajoaa-1757	294	7	of	of	ADP
ajoaa-1757	294	8	the	the	DET
ajoaa-1757	294	9	regression	regression	NOUN
ajoaa-1757	294	10	results	result	NOUN
ajoaa-1757	294	11	.	.	PUNCT
ajoaa-1757	295	1	5	5	X
ajoaa-1757	295	2	.	.	X
ajoaa-1757	295	3	conclusion	conclusion	NOUN
ajoaa-1757	295	4	and	and	CCONJ
ajoaa-1757	295	5	recommendation	recommendation	NOUN
ajoaa-1757	295	6	loan	loan	NOUN
ajoaa-1757	295	7	default	default	NOUN
ajoaa-1757	295	8	is	be	AUX
ajoaa-1757	295	9	one	one	NUM
ajoaa-1757	295	10	of	of	ADP
ajoaa-1757	295	11	the	the	DET
ajoaa-1757	295	12	critical	critical	ADJ
ajoaa-1757	295	13	issues	issue	NOUN
ajoaa-1757	295	14	of	of	ADP
ajoaa-1757	295	15	the	the	DET
ajoaa-1757	295	16	microfinance	microfinance	NOUN
ajoaa-1757	295	17	industry	industry	NOUN
ajoaa-1757	295	18	.	.	PUNCT
ajoaa-1757	296	1	high	high	ADJ
ajoaa-1757	296	2	loan	loan	NOUN
ajoaa-1757	296	3	default	default	NOUN
ajoaa-1757	296	4	rate	rate	NOUN
ajoaa-1757	296	5	is	be	AUX
ajoaa-1757	296	6	the	the	DET
ajoaa-1757	296	7	primary	primary	ADJ
ajoaa-1757	296	8	cause	cause	NOUN
ajoaa-1757	296	9	of	of	ADP
ajoaa-1757	296	10	the	the	DET
ajoaa-1757	296	11	failure	failure	NOUN
ajoaa-1757	296	12	of	of	ADP
ajoaa-1757	296	13	many	many	ADJ
ajoaa-1757	296	14	mfis	mfis	NOUN
ajoaa-1757	296	15	(	(	PUNCT
ajoaa-1757	296	16	papias	papia	NOUN
ajoaa-1757	296	17	and	and	CCONJ
ajoaa-1757	296	18	ganesan	ganesan	NOUN
ajoaa-1757	296	19	,	,	PUNCT
ajoaa-1757	296	20	2009	2009	NUM
ajoaa-1757	296	21	;	;	PUNCT
ajoaa-1757	296	22	mason	mason	PROPN
ajoaa-1757	296	23	,	,	PUNCT
ajoaa-1757	296	24	2014	2014	NUM
ajoaa-1757	296	25	)	)	PUNCT
ajoaa-1757	296	26	.	.	PUNCT
ajoaa-1757	297	1	microcredit	microcredit	NOUN
ajoaa-1757	297	2	lenders	lender	NOUN
ajoaa-1757	297	3	rely	rely	VERB
ajoaa-1757	297	4	mostly	mostly	ADV
ajoaa-1757	297	5	on	on	ADP
ajoaa-1757	297	6	speculative	speculative	ADJ
ajoaa-1757	297	7	methods	method	NOUN
ajoaa-1757	297	8	to	to	PART
ajoaa-1757	297	9	advance	advance	VERB
ajoaa-1757	297	10	loans	loan	NOUN
ajoaa-1757	297	11	to	to	ADP
ajoaa-1757	297	12	borrowers	borrower	NOUN
ajoaa-1757	297	13	which	which	PRON
ajoaa-1757	297	14	are	be	AUX
ajoaa-1757	297	15	usually	usually	ADV
ajoaa-1757	297	16	not	not	PART
ajoaa-1757	297	17	objective	objective	ADJ
ajoaa-1757	297	18	and	and	CCONJ
ajoaa-1757	297	19	may	may	AUX
ajoaa-1757	297	20	produce	produce	VERB
ajoaa-1757	297	21	adverse	adverse	ADJ
ajoaa-1757	297	22	or	or	CCONJ
ajoaa-1757	297	23	negative	negative	ADJ
ajoaa-1757	297	24	outcomes	outcome	NOUN
ajoaa-1757	297	25	.	.	PUNCT
ajoaa-1757	298	1	this	this	DET
ajoaa-1757	298	2	study	study	NOUN
ajoaa-1757	298	3	analysed	analyse	VERB
ajoaa-1757	298	4	the	the	DET
ajoaa-1757	298	5	factors	factor	NOUN
ajoaa-1757	298	6	that	that	PRON
ajoaa-1757	298	7	determine	determine	VERB
ajoaa-1757	298	8	microcredit	microcredit	NOUN
ajoaa-1757	298	9	repayment	repayment	NOUN
ajoaa-1757	298	10	among	among	ADP
ajoaa-1757	298	11	smallholder	smallholder	NOUN
ajoaa-1757	298	12	farmers	farmer	NOUN
ajoaa-1757	298	13	in	in	ADP
ajoaa-1757	298	14	ada	ada	PROPN
ajoaa-1757	298	15	west	west	PROPN
ajoaa-1757	298	16	and	and	CCONJ
ajoaa-1757	298	17	ada	ada	PROPN
ajoaa-1757	298	18	east	east	PROPN
ajoaa-1757	298	19	districts	district	NOUN
ajoaa-1757	298	20	in	in	ADP
ajoaa-1757	298	21	the	the	DET
ajoaa-1757	298	22	greater	great	ADJ
ajoaa-1757	298	23	accra	accra	NOUN
ajoaa-1757	298	24	region	region	NOUN
ajoaa-1757	298	25	of	of	ADP
ajoaa-1757	298	26	ghana	ghana	PROPN
ajoaa-1757	298	27	using	use	VERB
ajoaa-1757	298	28	data	datum	NOUN
ajoaa-1757	298	29	from	from	ADP
ajoaa-1757	298	30	224	224	NUM
ajoaa-1757	298	31	households	household	NOUN
ajoaa-1757	298	32	of	of	ADP
ajoaa-1757	298	33	smallholder	smallholder	NOUN
ajoaa-1757	298	34	farmer	farmer	NOUN
ajoaa-1757	298	35	microcredit	microcredit	NOUN
ajoaa-1757	298	36	beneficiaries	beneficiary	NOUN
ajoaa-1757	298	37	.	.	PUNCT
ajoaa-1757	299	1	the	the	DET
ajoaa-1757	299	2	logit	logit	PROPN
ajoaa-1757	299	3	model	model	NOUN
ajoaa-1757	299	4	was	be	AUX
ajoaa-1757	299	5	used	use	VERB
ajoaa-1757	299	6	to	to	PART
ajoaa-1757	299	7	estimate	estimate	VERB
ajoaa-1757	299	8	the	the	DET
ajoaa-1757	299	9	socioeconomic	socioeconomic	ADJ
ajoaa-1757	299	10	and	and	CCONJ
ajoaa-1757	299	11	credit	credit	NOUN
ajoaa-1757	299	12	specific	specific	ADJ
ajoaa-1757	299	13	characteristics	characteristic	NOUN
ajoaa-1757	299	14	that	that	PRON
ajoaa-1757	299	15	determine	determine	VERB
ajoaa-1757	299	16	ability	ability	NOUN
ajoaa-1757	299	17	of	of	ADP
ajoaa-1757	299	18	farmers	farmer	NOUN
ajoaa-1757	299	19	to	to	PART
ajoaa-1757	299	20	repay	repay	VERB
ajoaa-1757	299	21	the	the	DET
ajoaa-1757	299	22	credit	credit	NOUN
ajoaa-1757	299	23	advanced	advance	VERB
ajoaa-1757	299	24	to	to	ADP
ajoaa-1757	299	25	them	they	PRON
ajoaa-1757	299	26	.	.	PUNCT
ajoaa-1757	300	1	the	the	DET
ajoaa-1757	300	2	asian	asian	ADJ
ajoaa-1757	300	3	journal	journal	PROPN
ajoaa-1757	300	4	of	of	ADP
ajoaa-1757	300	5	agriculture	agriculture	NOUN
ajoaa-1757	300	6	and	and	CCONJ
ajoaa-1757	300	7	rural	rural	ADJ
ajoaa-1757	300	8	development	development	NOUN
ajoaa-1757	300	9	,	,	PUNCT
ajoaa-1757	300	10	8(2)2018	8(2)2018	NUM
ajoaa-1757	300	11	:	:	PUNCT
ajoaa-1757	300	12	74	74	NUM
ajoaa-1757	300	13	-	-	SYM
ajoaa-1757	300	14	91	91	NUM
ajoaa-1757	300	15	87	87	NUM
ajoaa-1757	300	16	result	result	NOUN
ajoaa-1757	300	17	showed	show	VERB
ajoaa-1757	300	18	that	that	SCONJ
ajoaa-1757	300	19	,	,	PUNCT
ajoaa-1757	300	20	gender	gender	NOUN
ajoaa-1757	300	21	,	,	PUNCT
ajoaa-1757	300	22	age	age	NOUN
ajoaa-1757	300	23	,	,	PUNCT
ajoaa-1757	300	24	level	level	NOUN
ajoaa-1757	300	25	of	of	ADP
ajoaa-1757	300	26	education	education	NOUN
ajoaa-1757	300	27	,	,	PUNCT
ajoaa-1757	300	28	income	income	NOUN
ajoaa-1757	300	29	,	,	PUNCT
ajoaa-1757	300	30	number	number	NOUN
ajoaa-1757	300	31	of	of	ADP
ajoaa-1757	300	32	dependants	dependant	NOUN
ajoaa-1757	300	33	,	,	PUNCT
ajoaa-1757	300	34	perception	perception	NOUN
ajoaa-1757	300	35	of	of	ADP
ajoaa-1757	300	36	pressure	pressure	NOUN
ajoaa-1757	300	37	from	from	ADP
ajoaa-1757	300	38	the	the	DET
ajoaa-1757	300	39	credit	credit	NOUN
ajoaa-1757	300	40	granting	grant	VERB
ajoaa-1757	300	41	agency	agency	NOUN
ajoaa-1757	300	42	and	and	CCONJ
ajoaa-1757	300	43	quantum	quantum	NOUN
ajoaa-1757	300	44	of	of	ADP
ajoaa-1757	300	45	loan	loan	NOUN
ajoaa-1757	300	46	/	/	SYM
ajoaa-1757	300	47	total	total	NOUN
ajoaa-1757	300	48	credit	credit	NOUN
ajoaa-1757	300	49	granted	grant	VERB
ajoaa-1757	300	50	relate	relate	VERB
ajoaa-1757	300	51	positively	positively	ADV
ajoaa-1757	300	52	with	with	ADP
ajoaa-1757	300	53	rate	rate	NOUN
ajoaa-1757	300	54	of	of	ADP
ajoaa-1757	300	55	repayment	repayment	NOUN
ajoaa-1757	300	56	.	.	PUNCT
ajoaa-1757	301	1	on	on	ADP
ajoaa-1757	301	2	the	the	DET
ajoaa-1757	301	3	other	other	ADJ
ajoaa-1757	301	4	hand	hand	NOUN
ajoaa-1757	301	5	,	,	PUNCT
ajoaa-1757	301	6	distance	distance	NOUN
ajoaa-1757	301	7	from	from	ADP
ajoaa-1757	301	8	farmers	farmer	NOUN
ajoaa-1757	301	9	residence	residence	NOUN
ajoaa-1757	301	10	to	to	ADP
ajoaa-1757	301	11	the	the	DET
ajoaa-1757	301	12	credit	credit	NOUN
ajoaa-1757	301	13	scheme	scheme	NOUN
ajoaa-1757	301	14	,	,	PUNCT
ajoaa-1757	301	15	experience	experience	NOUN
ajoaa-1757	301	16	,	,	PUNCT
ajoaa-1757	301	17	repayment	repayment	NOUN
ajoaa-1757	301	18	duration	duration	NOUN
ajoaa-1757	301	19	,	,	PUNCT
ajoaa-1757	301	20	interest	interest	NOUN
ajoaa-1757	301	21	rate	rate	NOUN
ajoaa-1757	301	22	and	and	CCONJ
ajoaa-1757	301	23	membership	membership	NOUN
ajoaa-1757	301	24	of	of	ADP
ajoaa-1757	301	25	farmer	farmer	NOUN
ajoaa-1757	301	26	based	base	VERB
ajoaa-1757	301	27	organization	organization	NOUN
ajoaa-1757	301	28	requirement	requirement	NOUN
ajoaa-1757	301	29	were	be	AUX
ajoaa-1757	301	30	negatively	negatively	ADV
ajoaa-1757	301	31	related	relate	VERB
ajoaa-1757	301	32	to	to	ADP
ajoaa-1757	301	33	rate	rate	NOUN
ajoaa-1757	301	34	of	of	ADP
ajoaa-1757	301	35	repayment	repayment	NOUN
ajoaa-1757	301	36	.	.	PUNCT
ajoaa-1757	302	1	income	income	NOUN
ajoaa-1757	302	2	,	,	PUNCT
ajoaa-1757	302	3	membership	membership	NOUN
ajoaa-1757	302	4	of	of	ADP
ajoaa-1757	302	5	fbo	fbo	PROPN
ajoaa-1757	302	6	,	,	PUNCT
ajoaa-1757	302	7	interest	interest	NOUN
ajoaa-1757	302	8	rate	rate	NOUN
ajoaa-1757	302	9	,	,	PUNCT
ajoaa-1757	302	10	gender	gender	NOUN
ajoaa-1757	302	11	,	,	PUNCT
ajoaa-1757	302	12	age	age	NOUN
ajoaa-1757	302	13	,	,	PUNCT
ajoaa-1757	302	14	experience	experience	NOUN
ajoaa-1757	302	15	and	and	CCONJ
ajoaa-1757	302	16	number	number	NOUN
ajoaa-1757	302	17	of	of	ADP
ajoaa-1757	302	18	dependants	dependant	NOUN
ajoaa-1757	302	19	were	be	AUX
ajoaa-1757	302	20	positive	positive	ADJ
ajoaa-1757	302	21	and	and	CCONJ
ajoaa-1757	302	22	statistically	statistically	ADV
ajoaa-1757	302	23	significant	significant	ADJ
ajoaa-1757	302	24	.	.	PUNCT
ajoaa-1757	303	1	whereas	whereas	SCONJ
ajoaa-1757	303	2	membership	membership	NOUN
ajoaa-1757	303	3	of	of	ADP
ajoaa-1757	303	4	fbo	fbo	PROPN
ajoaa-1757	303	5	,	,	PUNCT
ajoaa-1757	303	6	experience	experience	NOUN
ajoaa-1757	303	7	,	,	PUNCT
ajoaa-1757	303	8	interest	interest	NOUN
ajoaa-1757	303	9	rate	rate	NOUN
ajoaa-1757	303	10	,	,	PUNCT
ajoaa-1757	303	11	and	and	CCONJ
ajoaa-1757	303	12	repayment	repayment	NOUN
ajoaa-1757	303	13	duration	duration	NOUN
ajoaa-1757	303	14	exert	exert	VERB
ajoaa-1757	303	15	statistically	statistically	ADV
ajoaa-1757	303	16	significant	significant	ADJ
ajoaa-1757	303	17	negative	negative	ADJ
ajoaa-1757	303	18	effect	effect	NOUN
ajoaa-1757	303	19	on	on	ADP
ajoaa-1757	303	20	repayment	repayment	NOUN
ajoaa-1757	303	21	rate	rate	NOUN
ajoaa-1757	303	22	,	,	PUNCT
ajoaa-1757	303	23	age	age	NOUN
ajoaa-1757	303	24	,	,	PUNCT
ajoaa-1757	303	25	gender	gender	NOUN
ajoaa-1757	303	26	,	,	PUNCT
ajoaa-1757	303	27	number	number	NOUN
ajoaa-1757	303	28	of	of	ADP
ajoaa-1757	303	29	dependants	dependant	NOUN
ajoaa-1757	303	30	,	,	PUNCT
ajoaa-1757	303	31	and	and	CCONJ
ajoaa-1757	303	32	income	income	NOUN
ajoaa-1757	303	33	influence	influence	NOUN
ajoaa-1757	303	34	repayment	repayment	NOUN
ajoaa-1757	303	35	positively	positively	ADV
ajoaa-1757	303	36	.	.	PUNCT
ajoaa-1757	304	1	overall	overall	ADV
ajoaa-1757	304	2	,	,	PUNCT
ajoaa-1757	304	3	the	the	DET
ajoaa-1757	304	4	study	study	NOUN
ajoaa-1757	304	5	found	find	VERB
ajoaa-1757	304	6	that	that	SCONJ
ajoaa-1757	304	7	client	client	NOUN
ajoaa-1757	304	8	characteristics	characteristic	NOUN
ajoaa-1757	304	9	are	be	AUX
ajoaa-1757	304	10	core	core	ADJ
ajoaa-1757	304	11	factors	factor	NOUN
ajoaa-1757	304	12	that	that	PRON
ajoaa-1757	304	13	mfis	mfi	VERB
ajoaa-1757	304	14	need	need	VERB
ajoaa-1757	304	15	to	to	PART
ajoaa-1757	304	16	scrutunize	scrutunize	VERB
ajoaa-1757	304	17	well	well	ADV
ajoaa-1757	304	18	to	to	PART
ajoaa-1757	304	19	prevent	prevent	VERB
ajoaa-1757	304	20	loan	loan	NOUN
ajoaa-1757	304	21	loss	loss	NOUN
ajoaa-1757	304	22	.	.	PUNCT
ajoaa-1757	305	1	therefore	therefore	ADV
ajoaa-1757	305	2	,	,	PUNCT
ajoaa-1757	305	3	to	to	PART
ajoaa-1757	305	4	limit	limit	VERB
ajoaa-1757	305	5	loan	loan	NOUN
ajoaa-1757	305	6	default	default	NOUN
ajoaa-1757	305	7	rate	rate	NOUN
ajoaa-1757	305	8	,	,	PUNCT
ajoaa-1757	305	9	there	there	PRON
ajoaa-1757	305	10	is	be	VERB
ajoaa-1757	305	11	the	the	DET
ajoaa-1757	305	12	need	need	NOUN
ajoaa-1757	305	13	for	for	ADP
ajoaa-1757	305	14	effective	effective	ADJ
ajoaa-1757	305	15	examination	examination	NOUN
ajoaa-1757	305	16	of	of	ADP
ajoaa-1757	305	17	potential	potential	ADJ
ajoaa-1757	305	18	farmer	farmer	NOUN
ajoaa-1757	305	19	borrowers	borrower	NOUN
ajoaa-1757	305	20	before	before	ADP
ajoaa-1757	305	21	releasing	release	VERB
ajoaa-1757	305	22	credit	credit	NOUN
ajoaa-1757	305	23	to	to	ADP
ajoaa-1757	305	24	the	the	DET
ajoaa-1757	305	25	applicants	applicant	NOUN
ajoaa-1757	305	26	.	.	PUNCT
ajoaa-1757	306	1	based	base	VERB
ajoaa-1757	306	2	on	on	ADP
ajoaa-1757	306	3	the	the	DET
ajoaa-1757	306	4	findings	finding	NOUN
ajoaa-1757	306	5	,	,	PUNCT
ajoaa-1757	306	6	it	it	PRON
ajoaa-1757	306	7	is	be	AUX
ajoaa-1757	306	8	recommended	recommend	VERB
ajoaa-1757	306	9	that	that	SCONJ
ajoaa-1757	306	10	mfis	mfis	PROPN
ajoaa-1757	306	11	should	should	AUX
ajoaa-1757	306	12	institute	institute	VERB
ajoaa-1757	306	13	measures	measure	NOUN
ajoaa-1757	306	14	to	to	PART
ajoaa-1757	306	15	reduce	reduce	VERB
ajoaa-1757	306	16	interest	interest	NOUN
ajoaa-1757	306	17	rate	rate	NOUN
ajoaa-1757	306	18	by	by	ADP
ajoaa-1757	306	19	introducing	introduce	VERB
ajoaa-1757	306	20	mechanism	mechanism	NOUN
ajoaa-1757	306	21	to	to	PART
ajoaa-1757	306	22	reduce	reduce	VERB
ajoaa-1757	306	23	operational	operational	ADJ
ajoaa-1757	306	24	costs	cost	NOUN
ajoaa-1757	306	25	to	to	PART
ajoaa-1757	306	26	reduce	reduce	VERB
ajoaa-1757	306	27	cost	cost	NOUN
ajoaa-1757	306	28	of	of	ADP
ajoaa-1757	306	29	borrowing	borrowing	NOUN
ajoaa-1757	306	30	.	.	PUNCT
ajoaa-1757	307	1	mfis	mfis	PROPN
ajoaa-1757	307	2	should	should	AUX
ajoaa-1757	307	3	give	give	VERB
ajoaa-1757	307	4	adequate	adequate	ADJ
ajoaa-1757	307	5	loan	loan	NOUN
ajoaa-1757	307	6	to	to	ADP
ajoaa-1757	307	7	women	woman	NOUN
ajoaa-1757	307	8	because	because	SCONJ
ajoaa-1757	307	9	they	they	PRON
ajoaa-1757	307	10	have	have	VERB
ajoaa-1757	307	11	higher	high	ADJ
ajoaa-1757	307	12	probability	probability	NOUN
ajoaa-1757	307	13	of	of	ADP
ajoaa-1757	307	14	repayment	repayment	NOUN
ajoaa-1757	307	15	.	.	PUNCT
ajoaa-1757	308	1	credit	credit	NOUN
ajoaa-1757	308	2	should	should	AUX
ajoaa-1757	308	3	be	be	AUX
ajoaa-1757	308	4	disbursed	disburse	VERB
ajoaa-1757	308	5	in	in	ADP
ajoaa-1757	308	6	a	a	DET
ajoaa-1757	308	7	timely	timely	ADJ
ajoaa-1757	308	8	and	and	CCONJ
ajoaa-1757	308	9	appropriate	appropriate	ADJ
ajoaa-1757	308	10	manner	manner	NOUN
ajoaa-1757	308	11	to	to	PART
ajoaa-1757	308	12	prevent	prevent	VERB
ajoaa-1757	308	13	loan	loan	NOUN
ajoaa-1757	308	14	use	use	NOUN
ajoaa-1757	308	15	for	for	ADP
ajoaa-1757	308	16	unproductive	unproductive	ADJ
ajoaa-1757	308	17	ventures	venture	NOUN
ajoaa-1757	308	18	.	.	PUNCT
ajoaa-1757	309	1	training	training	NOUN
ajoaa-1757	309	2	of	of	ADP
ajoaa-1757	309	3	farmers	farmer	NOUN
ajoaa-1757	309	4	on	on	ADP
ajoaa-1757	309	5	credit	credit	NOUN
ajoaa-1757	309	6	management	management	NOUN
ajoaa-1757	309	7	and	and	CCONJ
ajoaa-1757	309	8	investment	investment	NOUN
ajoaa-1757	309	9	should	should	AUX
ajoaa-1757	309	10	extend	extend	VERB
ajoaa-1757	309	11	beyond	beyond	ADP
ajoaa-1757	309	12	what	what	PRON
ajoaa-1757	309	13	currently	currently	ADV
ajoaa-1757	309	14	pertain	pertain	VERB
ajoaa-1757	309	15	;	;	PUNCT
ajoaa-1757	309	16	following	follow	VERB
ajoaa-1757	309	17	repayment	repayment	NOUN
ajoaa-1757	309	18	schedule	schedule	NOUN
ajoaa-1757	309	19	.	.	PUNCT
ajoaa-1757	310	1	repayment	repayment	NOUN
ajoaa-1757	310	2	duration	duration	NOUN
ajoaa-1757	310	3	should	should	AUX
ajoaa-1757	310	4	be	be	AUX
ajoaa-1757	310	5	adjusted	adjust	VERB
ajoaa-1757	310	6	to	to	PART
ajoaa-1757	310	7	suit	suit	VERB
ajoaa-1757	310	8	individual	individual	ADJ
ajoaa-1757	310	9	needs	need	NOUN
ajoaa-1757	310	10	than	than	ADP
ajoaa-1757	310	11	a	a	DET
ajoaa-1757	310	12	wholesome	wholesome	ADJ
ajoaa-1757	310	13	or	or	CCONJ
ajoaa-1757	310	14	fixed	fix	VERB
ajoaa-1757	310	15	duration	duration	NOUN
ajoaa-1757	310	16	for	for	ADP
ajoaa-1757	310	17	everyone	everyone	PRON
ajoaa-1757	310	18	.	.	PUNCT
ajoaa-1757	311	1	finally	finally	ADV
ajoaa-1757	311	2	,	,	PUNCT
ajoaa-1757	311	3	microcredit	microcredit	NOUN
ajoaa-1757	311	4	borrowers	borrower	NOUN
ajoaa-1757	311	5	should	should	AUX
ajoaa-1757	311	6	use	use	VERB
ajoaa-1757	311	7	loan	loan	NOUN
ajoaa-1757	311	8	for	for	ADP
ajoaa-1757	311	9	the	the	DET
ajoaa-1757	311	10	purpose	purpose	NOUN
ajoaa-1757	311	11	for	for	ADP
ajoaa-1757	311	12	which	which	PRON
ajoaa-1757	311	13	the	the	DET
ajoaa-1757	311	14	loans	loan	NOUN
ajoaa-1757	311	15	have	have	AUX
ajoaa-1757	311	16	been	be	AUX
ajoaa-1757	311	17	applied	apply	VERB
ajoaa-1757	311	18	for	for	ADP
ajoaa-1757	311	19	and	and	CCONJ
ajoaa-1757	311	20	given	give	VERB
ajoaa-1757	311	21	because	because	ADV
ajoaa-1757	311	22	,	,	PUNCT
ajoaa-1757	311	23	using	use	VERB
ajoaa-1757	311	24	loan	loan	NOUN
ajoaa-1757	311	25	for	for	ADP
ajoaa-1757	311	26	other	other	ADJ
ajoaa-1757	311	27	purposes	purpose	NOUN
ajoaa-1757	311	28	often	often	ADV
ajoaa-1757	311	29	result	result	VERB
ajoaa-1757	311	30	in	in	ADP
ajoaa-1757	311	31	repayment	repayment	NOUN
ajoaa-1757	311	32	challenges	challenge	NOUN
ajoaa-1757	311	33	.	.	PUNCT
ajoaa-1757	312	1	funding	funding	NOUN
ajoaa-1757	312	2	:	:	PUNCT
ajoaa-1757	312	3	this	this	DET
ajoaa-1757	312	4	study	study	NOUN
ajoaa-1757	312	5	received	receive	VERB
ajoaa-1757	312	6	no	no	DET
ajoaa-1757	312	7	specific	specific	ADJ
ajoaa-1757	312	8	financial	financial	ADJ
ajoaa-1757	312	9	support	support	NOUN
ajoaa-1757	312	10	.	.	PUNCT
ajoaa-1757	313	1	competing	compete	VERB
ajoaa-1757	313	2	interests	interest	NOUN
ajoaa-1757	313	3	:	:	PUNCT
ajoaa-1757	313	4	the	the	DET
ajoaa-1757	313	5	authors	author	NOUN
ajoaa-1757	313	6	declared	declare	VERB
ajoaa-1757	313	7	that	that	SCONJ
ajoaa-1757	313	8	they	they	PRON
ajoaa-1757	313	9	have	have	VERB
ajoaa-1757	313	10	no	no	DET
ajoaa-1757	313	11	conflict	conflict	NOUN
ajoaa-1757	313	12	of	of	ADP
ajoaa-1757	313	13	interests	interest	NOUN
ajoaa-1757	313	14	.	.	PUNCT
ajoaa-1757	314	1	contributors	contributor	NOUN
ajoaa-1757	314	2	/	/	SYM
ajoaa-1757	314	3	acknowledgement	acknowledgement	NOUN
ajoaa-1757	314	4	:	:	PUNCT
ajoaa-1757	314	5	all	all	DET
ajoaa-1757	314	6	authors	author	NOUN
ajoaa-1757	314	7	participated	participate	VERB
ajoaa-1757	314	8	equally	equally	ADV
ajoaa-1757	314	9	in	in	ADP
ajoaa-1757	314	10	designing	designing	NOUN
ajoaa-1757	314	11	and	and	CCONJ
ajoaa-1757	314	12	estimation	estimation	NOUN
ajoaa-1757	314	13	of	of	ADP
ajoaa-1757	314	14	current	current	ADJ
ajoaa-1757	314	15	research	research	NOUN
ajoaa-1757	314	16	.	.	PUNCT
ajoaa-1757	315	1	views	view	NOUN
ajoaa-1757	315	2	and	and	CCONJ
ajoaa-1757	315	3	opinions	opinion	NOUN
ajoaa-1757	315	4	expressed	express	VERB
ajoaa-1757	315	5	in	in	ADP
ajoaa-1757	315	6	this	this	DET
ajoaa-1757	315	7	study	study	NOUN
ajoaa-1757	315	8	are	be	AUX
ajoaa-1757	315	9	the	the	DET
ajoaa-1757	315	10	views	view	NOUN
ajoaa-1757	315	11	and	and	CCONJ
ajoaa-1757	315	12	opinions	opinion	NOUN
ajoaa-1757	315	13	of	of	ADP
ajoaa-1757	315	14	the	the	DET
ajoaa-1757	315	15	authors	author	NOUN
ajoaa-1757	315	16	,	,	PUNCT
ajoaa-1757	315	17	asian	asian	ADJ
ajoaa-1757	315	18	journal	journal	NOUN
ajoaa-1757	315	19	of	of	ADP
ajoaa-1757	315	20	agriculture	agriculture	NOUN
ajoaa-1757	315	21	and	and	CCONJ
ajoaa-1757	315	22	rural	rural	ADJ
ajoaa-1757	315	23	development	development	NOUN
ajoaa-1757	315	24	shall	shall	AUX
ajoaa-1757	315	25	not	not	PART
ajoaa-1757	315	26	be	be	AUX
ajoaa-1757	315	27	responsible	responsible	ADJ
ajoaa-1757	315	28	or	or	CCONJ
ajoaa-1757	315	29	answerable	answerable	ADJ
ajoaa-1757	315	30	for	for	ADP
ajoaa-1757	315	31	any	any	DET
ajoaa-1757	315	32	loss	loss	NOUN
ajoaa-1757	315	33	,	,	PUNCT
ajoaa-1757	315	34	damage	damage	NOUN
ajoaa-1757	315	35	or	or	CCONJ
ajoaa-1757	315	36	liability	liability	NOUN
ajoaa-1757	315	37	etc	etc	X
ajoaa-1757	315	38	.	.	X
ajoaa-1757	315	39	caused	cause	VERB
ajoaa-1757	315	40	in	in	ADP
ajoaa-1757	315	41	relation	relation	NOUN
ajoaa-1757	315	42	to	to	PART
ajoaa-1757	315	43	/	/	PUNCT
ajoaa-1757	315	44	arising	arise	VERB
ajoaa-1757	315	45	out	out	ADP
ajoaa-1757	315	46	of	of	ADP
ajoaa-1757	315	47	the	the	DET
ajoaa-1757	315	48	use	use	NOUN
ajoaa-1757	315	49	of	of	ADP
ajoaa-1757	315	50	the	the	DET
ajoaa-1757	315	51	content	content	NOUN
ajoaa-1757	315	52	.	.	PUNCT
ajoaa-1757	316	1	references	reference	NOUN
ajoaa-1757	316	2	adjei	adjei	PROPN
ajoaa-1757	316	3	,	,	PUNCT
ajoaa-1757	316	4	j.	j.	PROPN
ajoaa-1757	316	5	k.	k.	PROPN
ajoaa-1757	316	6	,	,	PUNCT
ajoaa-1757	316	7	arum	arum	PROPN
ajoaa-1757	316	8	,	,	PUNCT
ajoaa-1757	316	9	t.	t.	PROPN
ajoaa-1757	316	10	g.	g.	PROPN
ajoaa-1757	316	11	,	,	PUNCT
ajoaa-1757	316	12	&	&	CCONJ
ajoaa-1757	316	13	hossain	hossain	PROPN
ajoaa-1757	316	14	,	,	PUNCT
ajoaa-1757	316	15	f.	f.	PROPN
ajoaa-1757	316	16	(	(	PUNCT
ajoaa-1757	316	17	2009	2009	NUM
ajoaa-1757	316	18	)	)	PUNCT
ajoaa-1757	316	19	.	.	PUNCT
ajoaa-1757	317	1	the	the	DET
ajoaa-1757	317	2	role	role	NOUN
ajoaa-1757	317	3	of	of	ADP
ajoaa-1757	317	4	microfinance	microfinance	NOUN
ajoaa-1757	317	5	in	in	ADP
ajoaa-1757	317	6	asset	asset	NOUN
ajoaa-1757	317	7	-	-	PUNCT
ajoaa-1757	317	8	building	building	NOUN
ajoaa-1757	317	9	and	and	CCONJ
ajoaa-1757	317	10	poverty	poverty	NOUN
ajoaa-1757	317	11	reduction	reduction	NOUN
ajoaa-1757	317	12	:	:	PUNCT
ajoaa-1757	317	13	the	the	DET
ajoaa-1757	317	14	case	case	NOUN
ajoaa-1757	317	15	of	of	ADP
ajoaa-1757	317	16	sinapi	sinapi	PROPN
ajoaa-1757	317	17	aba	aba	PROPN
ajoaa-1757	317	18	trust	trust	PROPN
ajoaa-1757	317	19	of	of	ADP
ajoaa-1757	317	20	ghana	ghana	PROPN
ajoaa-1757	317	21	.	.	PUNCT
ajoaa-1757	318	1	bwpi	bwpi	PROPN
ajoaa-1757	318	2	working	working	PROPN
ajoaa-1757	318	3	paper	paper	PROPN
ajoaa-1757	318	4	84	84	NUM
ajoaa-1757	318	5	,	,	PUNCT
ajoaa-1757	318	6	march	march	PROPN
ajoaa-1757	318	7	,	,	PUNCT
ajoaa-1757	318	8	brooks	brooks	PROPN
ajoaa-1757	318	9	world	world	PROPN
ajoaa-1757	318	10	poverty	poverty	PROPN
ajoaa-1757	318	11	institute	institute	PROPN
ajoaa-1757	318	12	,	,	PUNCT
ajoaa-1757	318	13	university	university	PROPN
ajoaa-1757	318	14	of	of	ADP
ajoaa-1757	318	15	manchester	manchester	PROPN
ajoaa-1757	318	16	,	,	PUNCT
ajoaa-1757	318	17	united	united	ADJ
ajoaa-1757	318	18	kingdom	kingdom	PROPN
ajoaa-1757	318	19	.	.	PUNCT
ajoaa-1757	319	1	view	view	NOUN
ajoaa-1757	319	2	at	at	ADP
ajoaa-1757	319	3	google	google	PROPN
ajoaa-1757	319	4	scholar	scholar	NOUN
ajoaa-1757	319	5	alexander	alexander	NOUN
ajoaa-1757	319	6	,	,	PUNCT
ajoaa-1757	319	7	g.	g.	PROPN
ajoaa-1757	319	8	(	(	PUNCT
ajoaa-1757	319	9	2006	2006	NUM
ajoaa-1757	319	10	)	)	PUNCT
ajoaa-1757	319	11	.	.	PUNCT
ajoaa-1757	320	1	here	here	ADV
ajoaa-1757	320	2	today	today	NOUN
ajoaa-1757	320	3	,	,	PUNCT
ajoaa-1757	320	4	gone	go	VERB
ajoaa-1757	320	5	tomorrow	tomorrow	NOUN
ajoaa-1757	320	6	:	:	PUNCT
ajoaa-1757	320	7	can	can	AUX
ajoaa-1757	320	8	dynamic	dynamic	ADJ
ajoaa-1757	320	9	incentives	incentive	NOUN
ajoaa-1757	320	10	make	make	VERB
ajoaa-1757	320	11	microfinance	microfinance	NOUN
ajoaa-1757	320	12	more	more	ADV
ajoaa-1757	320	13	flexible	flexible	ADJ
ajoaa-1757	320	14	?	?	PUNCT
ajoaa-1757	321	1	journal	journal	NOUN
ajoaa-1757	321	2	of	of	ADP
ajoaa-1757	321	3	development	development	NOUN
ajoaa-1757	321	4	economics	economic	NOUN
ajoaa-1757	321	5	,	,	PUNCT
ajoaa-1757	321	6	80(1	80(1	NUM
ajoaa-1757	321	7	)	)	PUNCT
ajoaa-1757	321	8	,	,	PUNCT
ajoaa-1757	321	9	84	84	NUM
ajoaa-1757	321	10	-	-	SYM
ajoaa-1757	321	11	105	105	NUM
ajoaa-1757	321	12	.	.	PUNCT
ajoaa-1757	322	1	view	view	NOUN
ajoaa-1757	322	2	at	at	ADP
ajoaa-1757	322	3	google	google	PROPN
ajoaa-1757	322	4	scholar	scholar	NOUN
ajoaa-1757	322	5	/	/	SYM
ajoaa-1757	322	6	view	view	NOUN
ajoaa-1757	322	7	at	at	ADP
ajoaa-1757	322	8	publisher	publisher	PROPN
ajoaa-1757	322	9	banerjee	banerjee	PROPN
ajoaa-1757	322	10	,	,	PUNCT
ajoaa-1757	322	11	a.	a.	NOUN
ajoaa-1757	322	12	karlan	karlan	PROPN
ajoaa-1757	322	13	,	,	PUNCT
ajoaa-1757	322	14	d.	d.	PROPN
ajoaa-1757	322	15	,	,	PUNCT
ajoaa-1757	322	16	&	&	CCONJ
ajoaa-1757	322	17	zinman	zinman	PROPN
ajoaa-1757	322	18	,	,	PUNCT
ajoaa-1757	322	19	j.	j.	PROPN
ajoaa-1757	322	20	(	(	PUNCT
ajoaa-1757	322	21	2015	2015	NUM
ajoaa-1757	322	22	)	)	PUNCT
ajoaa-1757	322	23	.	.	PUNCT
ajoaa-1757	323	1	six	six	NUM
ajoaa-1757	323	2	randomized	randomized	ADJ
ajoaa-1757	323	3	evaluations	evaluation	NOUN
ajoaa-1757	323	4	of	of	ADP
ajoaa-1757	323	5	microcredit	microcredit	NOUN
ajoaa-1757	323	6	:	:	PUNCT
ajoaa-1757	323	7	introduction	introduction	NOUN
ajoaa-1757	323	8	and	and	CCONJ
ajoaa-1757	323	9	further	further	ADJ
ajoaa-1757	323	10	steps	step	NOUN
ajoaa-1757	323	11	.	.	PUNCT
ajoaa-1757	324	1	american	american	ADJ
ajoaa-1757	324	2	economic	economic	PROPN
ajoaa-1757	324	3	journal	journal	PROPN
ajoaa-1757	324	4	:	:	PUNCT
ajoaa-1757	324	5	applied	apply	VERB
ajoaa-1757	324	6	economics	economic	NOUN
ajoaa-1757	324	7	,	,	PUNCT
ajoaa-1757	324	8	7(1	7(1	NUM
ajoaa-1757	324	9	)	)	PUNCT
ajoaa-1757	324	10	,	,	PUNCT
ajoaa-1757	324	11	1	1	NUM
ajoaa-1757	324	12	–	–	PUNCT
ajoaa-1757	324	13	21	21	NUM
ajoaa-1757	324	14	.	.	PUNCT
ajoaa-1757	324	15	view	view	NOUN
ajoaa-1757	324	16	at	at	ADP
ajoaa-1757	324	17	google	google	PROPN
ajoaa-1757	324	18	scholar	scholar	NOUN
ajoaa-1757	324	19	/	/	SYM
ajoaa-1757	324	20	view	view	NOUN
ajoaa-1757	324	21	at	at	ADP
ajoaa-1757	324	22	publisher	publisher	PROPN
ajoaa-1757	324	23	bateman	bateman	PROPN
ajoaa-1757	324	24	,	,	PUNCT
ajoaa-1757	324	25	m.	m.	NOUN
ajoaa-1757	324	26	(	(	PUNCT
ajoaa-1757	324	27	2018	2018	NUM
ajoaa-1757	324	28	)	)	PUNCT
ajoaa-1757	324	29	.	.	PUNCT
ajoaa-1757	325	1	small	small	ADJ
ajoaa-1757	325	2	loans	loan	NOUN
ajoaa-1757	325	3	big	big	ADJ
ajoaa-1757	325	4	problems	problem	NOUN
ajoaa-1757	325	5	:	:	PUNCT
ajoaa-1757	325	6	the	the	DET
ajoaa-1757	325	7	rise	rise	NOUN
ajoaa-1757	325	8	and	and	CCONJ
ajoaa-1757	325	9	fall	fall	NOUN
ajoaa-1757	325	10	of	of	ADP
ajoaa-1757	325	11	microcredit	microcredit	NOUN
ajoaa-1757	325	12	as	as	ADP
ajoaa-1757	325	13	a	a	DET
ajoaa-1757	325	14	development	development	NOUN
ajoaa-1757	325	15	policy	policy	NOUN
ajoaa-1757	325	16	.	.	PUNCT
ajoaa-1757	326	1	in	in	ADP
ajoaa-1757	326	2	fagan	fagan	PROPN
ajoaa-1757	326	3	,	,	PUNCT
ajoaa-1757	326	4	g.	g.	PROPN
ajoaa-1757	326	5	h.	h.	PROPN
ajoaa-1757	326	6	,	,	PUNCT
ajoaa-1757	326	7	and	and	CCONJ
ajoaa-1757	326	8	munck	munck	NOUN
ajoaa-1757	326	9	,	,	PUNCT
ajoaa-1757	326	10	r.	r.	PROPN
ajoaa-1757	326	11	(	(	PUNCT
ajoaa-1757	326	12	eds	eds	PROPN
ajoaa-1757	326	13	)	)	PUNCT
ajoaa-1757	326	14	,	,	PUNCT
ajoaa-1757	326	15	handbook	handbook	NOUN
ajoaa-1757	326	16	of	of	ADP
ajoaa-1757	326	17	development	development	NOUN
ajoaa-1757	326	18	and	and	CCONJ
ajoaa-1757	326	19	change	change	NOUN
ajoaa-1757	326	20	(	(	PUNCT
ajoaa-1757	326	21	pp	pp	ADV
ajoaa-1757	326	22	131	131	NUM
ajoaa-1757	326	23	-	-	SYM
ajoaa-1757	326	24	151	151	NUM
ajoaa-1757	326	25	)	)	PUNCT
ajoaa-1757	326	26	.	.	PUNCT
ajoaa-1757	327	1	cheltenham	cheltenham	PROPN
ajoaa-1757	327	2	,	,	PUNCT
ajoaa-1757	327	3	uk	uk	PROPN
ajoaa-1757	327	4	:	:	PUNCT
ajoaa-1757	327	5	edward	edward	PROPN
ajoaa-1757	327	6	elgar	elgar	PROPN
ajoaa-1757	327	7	publishing	publishing	PROPN
ajoaa-1757	327	8	.	.	PUNCT
ajoaa-1757	328	1	view	view	NOUN
ajoaa-1757	328	2	at	at	ADP
ajoaa-1757	328	3	google	google	PROPN
ajoaa-1757	328	4	scholar	scholar	NOUN
ajoaa-1757	328	5	/	/	SYM
ajoaa-1757	328	6	view	view	NOUN
ajoaa-1757	328	7	at	at	ADP
ajoaa-1757	328	8	publisher	publisher	NOUN
ajoaa-1757	328	9	bell	bell	PROPN
ajoaa-1757	328	10	,	,	PUNCT
ajoaa-1757	328	11	d.	d.	PROPN
ajoaa-1757	328	12	a.	a.	PROPN
ajoaa-1757	328	13	(	(	PUNCT
ajoaa-1757	328	14	2014	2014	NUM
ajoaa-1757	328	15	)	)	PUNCT
ajoaa-1757	328	16	.	.	PUNCT
ajoaa-1757	329	1	organisation	organisation	NOUN
ajoaa-1757	329	2	and	and	CCONJ
ajoaa-1757	329	3	markets	market	NOUN
ajoaa-1757	329	4	:	:	PUNCT
ajoaa-1757	329	5	entrepreneurship	entrepreneurship	NOUN
ajoaa-1757	329	6	and	and	CCONJ
ajoaa-1757	329	7	capital	capital	NOUN
ajoaa-1757	329	8	delivery	delivery	NOUN
ajoaa-1757	329	9	mechanisms	mechanism	NOUN
ajoaa-1757	329	10	in	in	ADP
ajoaa-1757	329	11	developing	develop	VERB
ajoaa-1757	329	12	countries	country	NOUN
ajoaa-1757	329	13	.	.	PUNCT
ajoaa-1757	330	1	in	in	ADP
ajoaa-1757	330	2	a.	a.	PROPN
ajoaa-1757	330	3	arora	arora	PROPN
ajoaa-1757	330	4	and	and	CCONJ
ajoaa-1757	330	5	j.	j.	PROPN
ajoaa-1757	330	6	mclntyre	mclntyre	PROPN
ajoaa-1757	330	7	(	(	PUNCT
ajoaa-1757	330	8	eds	eds	PROPN
ajoaa-1757	330	9	.	.	PUNCT
ajoaa-1757	330	10	)	)	PUNCT
ajoaa-1757	330	11	,	,	PUNCT
ajoaa-1757	330	12	global	global	ADJ
ajoaa-1757	330	13	business	business	NOUN
ajoaa-1757	330	14	transcendence	transcendence	NOUN
ajoaa-1757	330	15	:	:	PUNCT
ajoaa-1757	330	16	international	international	ADJ
ajoaa-1757	330	17	perspectives	perspective	NOUN
ajoaa-1757	330	18	across	across	ADP
ajoaa-1757	330	19	developed	develop	VERB
ajoaa-1757	330	20	and	and	CCONJ
ajoaa-1757	330	21	emerging	emerge	VERB
ajoaa-1757	330	22	economies	economy	NOUN
ajoaa-1757	330	23	(	(	PUNCT
ajoaa-1757	330	24	pp.35	pp.35	NOUN
ajoaa-1757	330	25	-	-	PUNCT
ajoaa-1757	330	26	55	55	NUM
ajoaa-1757	330	27	)	)	PUNCT
ajoaa-1757	330	28	.	.	PUNCT
ajoaa-1757	331	1	new	new	PROPN
ajoaa-1757	331	2	york	york	PROPN
ajoaa-1757	331	3	,	,	PUNCT
ajoaa-1757	331	4	ph	ph	PROPN
ajoaa-1757	331	5	:	:	PUNCT
ajoaa-1757	331	6	palgrave	palgrave	PROPN
ajoaa-1757	331	7	macmillan	macmillan	PROPN
ajoaa-1757	331	8	.	.	PROPN
ajoaa-1757	332	1	view	view	PROPN
ajoaa-1757	332	2	at	at	ADP
ajoaa-1757	332	3	google	google	PROPN
ajoaa-1757	332	4	scholar	scholar	NOUN
ajoaa-1757	332	5	/	/	SYM
ajoaa-1757	332	6	view	view	NOUN
ajoaa-1757	332	7	at	at	ADP
ajoaa-1757	332	8	publisher	publisher	NOUN
ajoaa-1757	332	9	besley	besley	NOUN
ajoaa-1757	332	10	,	,	PUNCT
ajoaa-1757	332	11	t.	t.	PROPN
ajoaa-1757	332	12	,	,	PUNCT
ajoaa-1757	332	13	&	&	CCONJ
ajoaa-1757	332	14	coate	coate	PROPN
ajoaa-1757	332	15	,	,	PUNCT
ajoaa-1757	332	16	s.	s.	PROPN
ajoaa-1757	332	17	(	(	PUNCT
ajoaa-1757	332	18	1995	1995	NUM
ajoaa-1757	332	19	)	)	PUNCT
ajoaa-1757	332	20	.	.	PUNCT
ajoaa-1757	333	1	group	group	NOUN
ajoaa-1757	333	2	lending	lending	NOUN
ajoaa-1757	333	3	,	,	PUNCT
ajoaa-1757	333	4	repayment	repayment	NOUN
ajoaa-1757	333	5	incentives	incentive	NOUN
ajoaa-1757	333	6	and	and	CCONJ
ajoaa-1757	333	7	social	social	ADJ
ajoaa-1757	333	8	collateral	collateral	NOUN
ajoaa-1757	333	9	.	.	PUNCT
ajoaa-1757	334	1	journal	journal	PROPN
ajoaa-1757	334	2	of	of	ADP
ajoaa-1757	334	3	development	development	NOUN
ajoaa-1757	334	4	economics	economic	NOUN
ajoaa-1757	334	5	,	,	PUNCT
ajoaa-1757	334	6	46(1	46(1	PROPN
ajoaa-1757	334	7	)	)	PUNCT
ajoaa-1757	334	8	,	,	PUNCT
ajoaa-1757	334	9	1	1	NUM
ajoaa-1757	334	10	-	-	SYM
ajoaa-1757	334	11	18	18	NUM
ajoaa-1757	334	12	.	.	PUNCT
ajoaa-1757	334	13	view	view	NOUN
ajoaa-1757	334	14	at	at	ADP
ajoaa-1757	334	15	google	google	PROPN
ajoaa-1757	334	16	scholar	scholar	NOUN
ajoaa-1757	334	17	/	/	SYM
ajoaa-1757	334	18	view	view	NOUN
ajoaa-1757	334	19	at	at	ADP
ajoaa-1757	334	20	publisher	publisher	NOUN
ajoaa-1757	334	21	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+role+of+microfinance+in+asset-building+and+poverty+reduction%3a+the+case+of+sinapi+aba+trust+of+ghana&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+role+of+microfinance+in+asset-building+and+poverty+reduction%3a+the+case+of+sinapi+aba+trust+of+ghana&btng=	PROPN
ajoaa-1757	334	22	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+role+of+microfinance+in+asset-building+and+poverty+reduction%3a+the+case+of+sinapi+aba+trust+of+ghana&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+role+of+microfinance+in+asset-building+and+poverty+reduction%3a+the+case+of+sinapi+aba+trust+of+ghana&btng=	PROPN
ajoaa-1757	334	23	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=here+today%2c+gone+tomorrow%3a+can+dynamic+incentives+make+microfinance+more+flexible%3f+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=here+today%2c+gone+tomorrow%3a+can+dynamic+incentives+make+microfinance+more+flexible%3f+&btng=	PROPN
ajoaa-1757	334	24	https://doi.org/10.1016/j.jdeveco.2005.01.003	https://doi.org/10.1016/j.jdeveco.2005.01.003	NOUN
ajoaa-1757	334	25	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=six+randomized+evaluations+of+microcredit%3a+introduction+and+further+steps&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=six+randomized+evaluations+of+microcredit%3a+introduction+and+further+steps&btng=	ADJ
ajoaa-1757	334	26	https://doi.org/10.1257/app.20140287	https://doi.org/10.1257/app.20140287	PROPN
ajoaa-1757	334	27	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=small+loans+big+problems%3a+the+rise+and+fall+of+microcredit+as+a+development+policy&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=small+loans+big+problems%3a+the+rise+and+fall+of+microcredit+as+a+development+policy&btng=	NOUN
ajoaa-1757	334	28	https://doi.org/10.4337/9781786431554.00014	https://doi.org/10.4337/9781786431554.00014	PUNCT
ajoaa-1757	334	29	https://doi.org/10.4337/9781786431554.00014	https://doi.org/10.4337/9781786431554.00014	PROPN
ajoaa-1757	334	30	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=organisation+and+markets%3a+entrepreneurship+and+capital+delivery++mechanisms+in+developing+countries&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=organisation+and+markets%3a+entrepreneurship+and+capital+delivery++mechanisms+in+developing+countries&btng=	PROPN
ajoaa-1757	334	31	https://doi.org/10.1057/9781137412591_3	https://doi.org/10.1057/9781137412591_3	VERB
ajoaa-1757	334	32	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=group+lending%2c+repayment+incentives+and+social+collateral.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=group+lending%2c+repayment+incentives+and+social+collateral.+&btng=	ADJ
ajoaa-1757	334	33	https://doi.org/10.1016/0304-3878(94)00045-e	https://doi.org/10.1016/0304-3878(94)00045-e	PROPN
ajoaa-1757	334	34	asian	asian	ADJ
ajoaa-1757	334	35	journal	journal	NOUN
ajoaa-1757	334	36	of	of	ADP
ajoaa-1757	334	37	agriculture	agriculture	NOUN
ajoaa-1757	334	38	and	and	CCONJ
ajoaa-1757	334	39	rural	rural	ADJ
ajoaa-1757	334	40	development	development	NOUN
ajoaa-1757	334	41	,	,	PUNCT
ajoaa-1757	334	42	8(2)2018	8(2)2018	NUM
ajoaa-1757	334	43	:	:	PUNCT
ajoaa-1757	335	1	74	74	NUM
ajoaa-1757	335	2	-	-	SYM
ajoaa-1757	335	3	91	91	NUM
ajoaa-1757	335	4	88	88	NUM
ajoaa-1757	335	5	bhatt	bhatt	NOUN
ajoaa-1757	335	6	,	,	PUNCT
ajoaa-1757	335	7	n.	n.	NOUN
ajoaa-1757	335	8	,	,	PUNCT
ajoaa-1757	335	9	&	&	CCONJ
ajoaa-1757	335	10	tang	tang	PROPN
ajoaa-1757	335	11	s.	s.	PROPN
ajoaa-1757	335	12	y.	y.	PROPN
ajoaa-1757	335	13	(	(	PUNCT
ajoaa-1757	335	14	1998	1998	NUM
ajoaa-1757	335	15	)	)	PUNCT
ajoaa-1757	335	16	.	.	PUNCT
ajoaa-1757	336	1	the	the	DET
ajoaa-1757	336	2	problem	problem	NOUN
ajoaa-1757	336	3	of	of	ADP
ajoaa-1757	336	4	transaction	transaction	NOUN
ajoaa-1757	336	5	costs	cost	NOUN
ajoaa-1757	336	6	in	in	ADP
ajoaa-1757	336	7	group	group	NOUN
ajoaa-1757	336	8	-	-	PUNCT
ajoaa-1757	336	9	based	base	VERB
ajoaa-1757	336	10	microlending	microlending	NOUN
ajoaa-1757	336	11	:	:	PUNCT
ajoaa-1757	336	12	an	an	DET
ajoaa-1757	336	13	institutional	institutional	ADJ
ajoaa-1757	336	14	perspective	perspective	NOUN
ajoaa-1757	336	15	.	.	PUNCT
ajoaa-1757	337	1	world	world	NOUN
ajoaa-1757	337	2	development	development	PROPN
ajoaa-1757	337	3	,	,	PUNCT
ajoaa-1757	337	4	36(4	36(4	NUM
ajoaa-1757	337	5	)	)	PUNCT
ajoaa-1757	337	6	,	,	PUNCT
ajoaa-1757	337	7	623	623	NUM
ajoaa-1757	337	8	-	-	SYM
ajoaa-1757	337	9	637	637	NUM
ajoaa-1757	337	10	.	.	PUNCT
ajoaa-1757	338	1	view	view	NOUN
ajoaa-1757	338	2	at	at	ADP
ajoaa-1757	338	3	google	google	PROPN
ajoaa-1757	338	4	scholar	scholar	NOUN
ajoaa-1757	338	5	/	/	SYM
ajoaa-1757	338	6	view	view	NOUN
ajoaa-1757	338	7	at	at	ADP
ajoaa-1757	338	8	publisher	publisher	PROPN
ajoaa-1757	338	9	bhatt	bhatt	PROPN
ajoaa-1757	338	10	,	,	PUNCT
ajoaa-1757	338	11	n.	n.	PROPN
ajoaa-1757	338	12	,	,	PUNCT
ajoaa-1757	338	13	&	&	CCONJ
ajoaa-1757	338	14	tang	tang	PROPN
ajoaa-1757	338	15	s.	s.	PROPN
ajoaa-1757	338	16	y.	y.	PROPN
ajoaa-1757	338	17	(	(	PUNCT
ajoaa-1757	338	18	2002	2002	NUM
ajoaa-1757	338	19	)	)	PUNCT
ajoaa-1757	338	20	.	.	PUNCT
ajoaa-1757	339	1	determinant	determinant	ADJ
ajoaa-1757	339	2	of	of	ADP
ajoaa-1757	339	3	repayment	repayment	NOUN
ajoaa-1757	339	4	in	in	ADP
ajoaa-1757	339	5	microcredit	microcredit	NOUN
ajoaa-1757	339	6	:	:	PUNCT
ajoaa-1757	339	7	evidence	evidence	NOUN
ajoaa-1757	339	8	from	from	ADP
ajoaa-1757	339	9	the	the	DET
ajoaa-1757	339	10	united	united	PROPN
ajoaa-1757	339	11	states	states	PROPN
ajoaa-1757	339	12	.	.	PUNCT
ajoaa-1757	340	1	international	international	ADJ
ajoaa-1757	340	2	journal	journal	PROPN
ajoaa-1757	340	3	of	of	ADP
ajoaa-1757	340	4	urban	urban	ADJ
ajoaa-1757	340	5	and	and	CCONJ
ajoaa-1757	340	6	regional	regional	ADJ
ajoaa-1757	340	7	research	research	NOUN
ajoaa-1757	340	8	,	,	PUNCT
ajoaa-1757	340	9	26	26	NUM
ajoaa-1757	340	10	,	,	PUNCT
ajoaa-1757	340	11	360	360	NUM
ajoaa-1757	340	12	-	-	SYM
ajoaa-1757	340	13	376	376	NUM
ajoaa-1757	340	14	.	.	PUNCT
ajoaa-1757	341	1	view	view	NOUN
ajoaa-1757	341	2	at	at	ADP
ajoaa-1757	341	3	google	google	PROPN
ajoaa-1757	341	4	scholar	scholar	PROPN
ajoaa-1757	341	5	bhatt	bhatt	PROPN
ajoaa-1757	341	6	,	,	PUNCT
ajoaa-1757	341	7	n.	n.	NOUN
ajoaa-1757	341	8	,	,	PUNCT
ajoaa-1757	341	9	painter	painter	NOUN
ajoaa-1757	341	10	,	,	PUNCT
ajoaa-1757	341	11	g.	g.	PROPN
ajoaa-1757	341	12	,	,	PUNCT
ajoaa-1757	341	13	&	&	CCONJ
ajoaa-1757	341	14	tang	tang	PROPN
ajoaa-1757	341	15	s.	s.	PROPN
ajoaa-1757	341	16	y.	y.	PROPN
ajoaa-1757	341	17	(	(	PUNCT
ajoaa-1757	341	18	1999	1999	NUM
ajoaa-1757	341	19	)	)	PUNCT
ajoaa-1757	341	20	.	.	PUNCT
ajoaa-1757	342	1	microcredit	microcredit	NOUN
ajoaa-1757	342	2	work	work	NOUN
ajoaa-1757	342	3	in	in	ADP
ajoaa-1757	342	4	the	the	DET
ajoaa-1757	342	5	united	united	PROPN
ajoaa-1757	342	6	state	state	PROPN
ajoaa-1757	342	7	?	?	PUNCT
ajoaa-1757	342	8	.	.	PUNCT
ajoaa-1757	343	1	harvard	harvard	PROPN
ajoaa-1757	343	2	business	business	PROPN
ajoaa-1757	343	3	review	review	PROPN
ajoaa-1757	343	4	,	,	PUNCT
ajoaa-1757	343	5	november	november	PROPN
ajoaa-1757	343	6	/	/	SYM
ajoaa-1757	343	7	december	december	PROPN
ajoaa-1757	343	8	,	,	PUNCT
ajoaa-1757	343	9	21	21	NUM
ajoaa-1757	343	10	-	-	SYM
ajoaa-1757	343	11	27	27	NUM
ajoaa-1757	343	12	.	.	PUNCT
ajoaa-1757	344	1	view	view	NOUN
ajoaa-1757	344	2	at	at	ADP
ajoaa-1757	344	3	google	google	PROPN
ajoaa-1757	344	4	scholar	scholar	NOUN
ajoaa-1757	344	5	bichanga	bichanga	NOUN
ajoaa-1757	344	6	,	,	PUNCT
ajoaa-1757	344	7	w.	w.	PROPN
ajoaa-1757	344	8	o.	o.	PROPN
ajoaa-1757	344	9	,	,	PUNCT
ajoaa-1757	344	10	&	&	CCONJ
ajoaa-1757	344	11	lilian	lilian	PROPN
ajoaa-1757	344	12	,	,	PUNCT
ajoaa-1757	344	13	a.	a.	NOUN
ajoaa-1757	344	14	(	(	PUNCT
ajoaa-1757	344	15	2013	2013	NUM
ajoaa-1757	344	16	)	)	PUNCT
ajoaa-1757	344	17	.	.	PUNCT
ajoaa-1757	345	1	causes	cause	NOUN
ajoaa-1757	345	2	of	of	ADP
ajoaa-1757	345	3	loan	loan	NOUN
ajoaa-1757	345	4	default	default	NOUN
ajoaa-1757	345	5	within	within	ADP
ajoaa-1757	345	6	microfinance	microfinance	NOUN
ajoaa-1757	345	7	institutions	institution	NOUN
ajoaa-1757	345	8	in	in	ADP
ajoaa-1757	345	9	kenya	kenya	PROPN
ajoaa-1757	345	10	.	.	PUNCT
ajoaa-1757	346	1	interdisciplinary	interdisciplinary	ADJ
ajoaa-1757	346	2	journal	journal	PROPN
ajoaa-1757	346	3	of	of	ADP
ajoaa-1757	346	4	contemporary	contemporary	ADJ
ajoaa-1757	346	5	research	research	NOUN
ajoaa-1757	346	6	in	in	ADP
ajoaa-1757	346	7	business	business	NOUN
ajoaa-1757	346	8	,	,	PUNCT
ajoaa-1757	346	9	4(12	4(12	NUM
ajoaa-1757	346	10	)	)	PUNCT
ajoaa-1757	346	11	,	,	PUNCT
ajoaa-1757	346	12	316	316	NUM
ajoaa-1757	346	13	-	-	SYM
ajoaa-1757	346	14	335	335	NUM
ajoaa-1757	346	15	.	.	PUNCT
ajoaa-1757	347	1	view	view	NOUN
ajoaa-1757	347	2	at	at	ADP
ajoaa-1757	347	3	google	google	PROPN
ajoaa-1757	347	4	scholar	scholar	NOUN
ajoaa-1757	347	5	bourlès	bourlès	NOUN
ajoaa-1757	347	6	,	,	PUNCT
ajoaa-1757	347	7	r.	r.	PROPN
ajoaa-1757	347	8	,	,	PUNCT
ajoaa-1757	347	9	cozarenco	cozarenco	PROPN
ajoaa-1757	347	10	,	,	PUNCT
ajoaa-1757	347	11	a.	a.	NOUN
ajoaa-1757	347	12	,	,	PUNCT
ajoaa-1757	347	13	henriet	henriet	NOUN
ajoaa-1757	347	14	,	,	PUNCT
ajoaa-1757	347	15	d.	d.	PROPN
ajoaa-1757	347	16	,	,	PUNCT
ajoaa-1757	347	17	&	&	CCONJ
ajoaa-1757	347	18	joutard	joutard	PROPN
ajoaa-1757	347	19	,	,	PUNCT
ajoaa-1757	347	20	x.	x.	NOUN
ajoaa-1757	347	21	(	(	PUNCT
ajoaa-1757	347	22	2018	2018	NUM
ajoaa-1757	347	23	)	)	PUNCT
ajoaa-1757	347	24	.	.	PUNCT
ajoaa-1757	348	1	business	business	NOUN
ajoaa-1757	348	2	training	training	NOUN
ajoaa-1757	348	3	and	and	CCONJ
ajoaa-1757	348	4	loan	loan	NOUN
ajoaa-1757	348	5	repayment	repayment	NOUN
ajoaa-1757	348	6	:	:	PUNCT
ajoaa-1757	348	7	theory	theory	NOUN
ajoaa-1757	348	8	and	and	CCONJ
ajoaa-1757	348	9	evidence	evidence	NOUN
ajoaa-1757	348	10	from	from	ADP
ajoaa-1757	348	11	microcredit	microcredit	PROPN
ajoaa-1757	348	12	in	in	ADP
ajoaa-1757	348	13	france	france	PROPN
ajoaa-1757	348	14	.	.	PUNCT
ajoaa-1757	349	1	document	document	NOUN
ajoaa-1757	349	2	de	de	X
ajoaa-1757	349	3	travail	travail	X
ajoaa-1757	349	4	amse	amse	NOUN
ajoaa-1757	349	5	.	.	PUNCT
ajoaa-1757	350	1	(	(	PUNCT
ajoaa-1757	350	2	collection	collection	NOUN
ajoaa-1757	350	3	wp2018	wp2018	NOUN
ajoaa-1757	350	4	;	;	PUNCT
ajoaa-1757	350	5	11	11	NUM
ajoaa-1757	350	6	)	)	PUNCT
ajoaa-1757	350	7	.	.	PUNCT
ajoaa-1757	351	1	2018	2018	NUM
ajoaa-1757	351	2	.	.	PUNCT
ajoaa-1757	352	1	retrieved	retrieve	VERB
ajoaa-1757	352	2	30th	30th	ADJ
ajoaa-1757	352	3	july	july	PROPN
ajoaa-1757	352	4	,	,	PUNCT
ajoaa-1757	352	5	2018	2018	NUM
ajoaa-1757	352	6	from	from	ADP
ajoaa-1757	352	7	,	,	PUNCT
ajoaa-1757	352	8	https://halshs.archivesouvertes.fr/halshs-01774320/document	https://halshs.archivesouvertes.fr/halshs-01774320/document	NOUN
ajoaa-1757	352	9	.	.	PUNCT
ajoaa-1757	353	1	breza	breza	PROPN
ajoaa-1757	353	2	,	,	PUNCT
ajoaa-1757	353	3	e.	e.	PROPN
ajoaa-1757	353	4	(	(	PUNCT
ajoaa-1757	353	5	2012	2012	NUM
ajoaa-1757	353	6	)	)	PUNCT
ajoaa-1757	353	7	.	.	PUNCT
ajoaa-1757	354	1	peer	peer	NOUN
ajoaa-1757	354	2	effects	effect	NOUN
ajoaa-1757	354	3	and	and	CCONJ
ajoaa-1757	354	4	loan	loan	NOUN
ajoaa-1757	354	5	repayment	repayment	NOUN
ajoaa-1757	354	6	:	:	PUNCT
ajoaa-1757	354	7	evidence	evidence	NOUN
ajoaa-1757	354	8	from	from	ADP
ajoaa-1757	354	9	the	the	DET
ajoaa-1757	354	10	krishna	krishna	PROPN
ajoaa-1757	354	11	default	default	NOUN
ajoaa-1757	354	12	crisis	crisis	NOUN
ajoaa-1757	354	13	.	.	PUNCT
ajoaa-1757	355	1	unpublished	unpublished	ADJ
ajoaa-1757	355	2	manuscript	manuscript	NOUN
ajoaa-1757	355	3	,	,	PUNCT
ajoaa-1757	355	4	mit	mit	PROPN
ajoaa-1757	355	5	,	,	PUNCT
ajoaa-1757	355	6	cambridge	cambridge	PROPN
ajoaa-1757	355	7	,	,	PUNCT
ajoaa-1757	355	8	ma	ma	PROPN
ajoaa-1757	355	9	.	.	PROPN
ajoaa-1757	355	10	view	view	PROPN
ajoaa-1757	355	11	at	at	ADP
ajoaa-1757	355	12	google	google	PROPN
ajoaa-1757	355	13	scholar	scholar	NOUN
ajoaa-1757	355	14	chakravarty	chakravarty	NOUN
ajoaa-1757	355	15	,	,	PUNCT
ajoaa-1757	355	16	s.	s.	PROPN
ajoaa-1757	355	17	,	,	PUNCT
ajoaa-1757	355	18	&	&	CCONJ
ajoaa-1757	355	19	pylypiv	pylypiv	NOUN
ajoaa-1757	355	20	,	,	PUNCT
ajoaa-1757	355	21	m.	m.	NOUN
ajoaa-1757	355	22	i.	i.	PROPN
ajoaa-1757	355	23	(	(	PUNCT
ajoaa-1757	355	24	2015	2015	NUM
ajoaa-1757	355	25	)	)	PUNCT
ajoaa-1757	355	26	.	.	PUNCT
ajoaa-1757	356	1	the	the	DET
ajoaa-1757	356	2	role	role	NOUN
ajoaa-1757	356	3	of	of	ADP
ajoaa-1757	356	4	subsidization	subsidization	NOUN
ajoaa-1757	356	5	and	and	CCONJ
ajoaa-1757	356	6	organizational	organizational	ADJ
ajoaa-1757	356	7	status	status	NOUN
ajoaa-1757	356	8	on	on	ADP
ajoaa-1757	356	9	microfinance	microfinance	NOUN
ajoaa-1757	356	10	borrower	borrower	NOUN
ajoaa-1757	356	11	repayment	repayment	NOUN
ajoaa-1757	356	12	rates	rate	NOUN
ajoaa-1757	356	13	.	.	PUNCT
ajoaa-1757	357	1	world	world	NOUN
ajoaa-1757	357	2	development	development	PROPN
ajoaa-1757	357	3	,	,	PUNCT
ajoaa-1757	357	4	66	66	NUM
ajoaa-1757	357	5	,	,	PUNCT
ajoaa-1757	357	6	737	737	NUM
ajoaa-1757	357	7	-	-	SYM
ajoaa-1757	357	8	748	748	NUM
ajoaa-1757	357	9	.	.	PUNCT
ajoaa-1757	358	1	view	view	NOUN
ajoaa-1757	358	2	at	at	ADP
ajoaa-1757	358	3	google	google	PROPN
ajoaa-1757	358	4	scholar	scholar	NOUN
ajoaa-1757	358	5	/	/	SYM
ajoaa-1757	358	6	view	view	NOUN
ajoaa-1757	358	7	at	at	ADP
ajoaa-1757	358	8	publisher	publisher	PROPN
ajoaa-1757	358	9	chen	chen	PROPN
ajoaa-1757	358	10	,	,	PUNCT
ajoaa-1757	358	11	s.	s.	PROPN
ajoaa-1757	358	12	,	,	PUNCT
ajoaa-1757	358	13	&	&	CCONJ
ajoaa-1757	358	14	ravallion	ravallion	NOUN
ajoaa-1757	358	15	,	,	PUNCT
ajoaa-1757	358	16	m.	m.	NOUN
ajoaa-1757	358	17	(	(	PUNCT
ajoaa-1757	358	18	2010	2010	NUM
ajoaa-1757	358	19	)	)	PUNCT
ajoaa-1757	358	20	.	.	PUNCT
ajoaa-1757	359	1	the	the	DET
ajoaa-1757	359	2	developing	develop	VERB
ajoaa-1757	359	3	world	world	NOUN
ajoaa-1757	359	4	is	be	AUX
ajoaa-1757	359	5	poorer	poor	ADJ
ajoaa-1757	359	6	than	than	SCONJ
ajoaa-1757	359	7	we	we	PRON
ajoaa-1757	359	8	thought	think	VERB
ajoaa-1757	359	9	,	,	PUNCT
ajoaa-1757	359	10	but	but	CCONJ
ajoaa-1757	359	11	no	no	PRON
ajoaa-1757	359	12	less	less	ADV
ajoaa-1757	359	13	successful	successful	ADJ
ajoaa-1757	359	14	in	in	ADP
ajoaa-1757	359	15	the	the	DET
ajoaa-1757	359	16	fight	fight	NOUN
ajoaa-1757	359	17	against	against	ADP
ajoaa-1757	359	18	poverty	poverty	NOUN
ajoaa-1757	359	19	.	.	PUNCT
ajoaa-1757	360	1	world	world	PROPN
ajoaa-1757	360	2	bank	bank	PROPN
ajoaa-1757	360	3	policy	policy	PROPN
ajoaa-1757	360	4	research	research	NOUN
ajoaa-1757	360	5	paper	paper	NOUN
ajoaa-1757	360	6	4703	4703	NUM
ajoaa-1757	360	7	.	.	PUNCT
ajoaa-1757	361	1	washington	washington	PROPN
ajoaa-1757	361	2	dc	dc	PROPN
ajoaa-1757	361	3	.	.	PROPN
ajoaa-1757	361	4	view	view	PROPN
ajoaa-1757	361	5	at	at	ADP
ajoaa-1757	361	6	google	google	PROPN
ajoaa-1757	361	7	scholar	scholar	NOUN
ajoaa-1757	361	8	/	/	SYM
ajoaa-1757	361	9	view	view	NOUN
ajoaa-1757	361	10	at	at	ADP
ajoaa-1757	361	11	publisher	publisher	NOUN
ajoaa-1757	361	12	consultative	consultative	ADJ
ajoaa-1757	361	13	group	group	NOUN
ajoaa-1757	361	14	to	to	PART
ajoaa-1757	361	15	assist	assist	VERB
ajoaa-1757	361	16	the	the	DET
ajoaa-1757	361	17	poor	poor	ADJ
ajoaa-1757	361	18	(	(	PUNCT
ajoaa-1757	361	19	cgap	cgap	PROPN
ajoaa-1757	361	20	)	)	PUNCT
ajoaa-1757	361	21	(	(	PUNCT
ajoaa-1757	361	22	2010	2010	NUM
ajoaa-1757	361	23	)	)	PUNCT
ajoaa-1757	361	24	.	.	PUNCT
ajoaa-1757	362	1	measuring	measure	VERB
ajoaa-1757	362	2	changes	change	NOUN
ajoaa-1757	362	3	in	in	ADP
ajoaa-1757	362	4	client	client	NOUN
ajoaa-1757	362	5	lives	live	VERB
ajoaa-1757	362	6	through	through	ADP
ajoaa-1757	362	7	microfinance	microfinance	NOUN
ajoaa-1757	362	8	:	:	PUNCT
ajoaa-1757	362	9	contributions	contribution	NOUN
ajoaa-1757	362	10	of	of	ADP
ajoaa-1757	362	11	different	different	ADJ
ajoaa-1757	362	12	approaches	approach	NOUN
ajoaa-1757	362	13	.	.	PUNCT
ajoaa-1757	363	1	article	article	NOUN
ajoaa-1757	363	2	by	by	ADP
ajoaa-1757	363	3	mayada	mayada	PROPN
ajoaa-1757	363	4	el	el	PROPN
ajoaa-1757	363	5	-	-	PROPN
ajoaa-1757	363	6	zoghbi	zoghbi	PROPN
ajoaa-1757	363	7	and	and	CCONJ
ajoaa-1757	363	8	meritxell	meritxell	PROPN
ajoaa-1757	363	9	martinez	martinez	PROPN
ajoaa-1757	363	10	.	.	PUNCT
ajoaa-1757	363	11	retrieved	retrieve	VERB
ajoaa-1757	363	12	may	may	AUX
ajoaa-1757	363	13	,	,	PUNCT
ajoaa-1757	363	14	2013	2013	NUM
ajoaa-1757	363	15	[	[	X
ajoaa-1757	363	16	online	online	X
ajoaa-1757	363	17	]	]	X
ajoaa-1757	363	18	:	:	PUNCT
ajoaa-1757	363	19	www.cgap	www.cgap	ADJ
ajoaa-1757	363	20	-	-	PUNCT
ajoaa-1757	363	21	brief	brief	ADJ
ajoaa-1757	363	22	-	-	PUNCT
ajoaa-1757	363	23	measuring	measure	VERB
ajoaa-1757	363	24	-	-	PUNCT
ajoaa-1757	363	25	changesin	changesin	NOUN
ajoaa-1757	363	26	-	-	PUNCT
ajoaa-1757	363	27	client	client	NOUN
ajoaa-1757	363	28	-	-	PUNCT
ajoaa-1757	363	29	lives	life	NOUN
ajoaa-1757	363	30	-	-	PUNCT
ajoaa-1757	363	31	through	through	ADP
ajoaa-1757	363	32	-	-	PUNCT
ajoaa-1757	363	33	contributions	contribution	NOUN
ajoaa-1757	363	34	-	-	PUNCT
ajoaa-1757	363	35	of	of	ADP
ajoaa-1757	363	36	-	-	PUNCT
ajoaa-1757	363	37	different	different	ADJ
ajoaa-1757	363	38	-	-	PUNCT
ajoaa-1757	363	39	approaches	approach	NOUN
ajoaa-1757	363	40	-	-	PUNCT
ajoaa-1757	363	41	may-2011.pdf	may-2011.pdf	NOUN
ajoaa-1757	363	42	.	.	PUNCT
ajoaa-1757	364	1	dowla	dowla	PROPN
ajoaa-1757	364	2	,	,	PUNCT
ajoaa-1757	364	3	a.	a.	NOUN
ajoaa-1757	364	4	,	,	PUNCT
ajoaa-1757	364	5	&	&	CCONJ
ajoaa-1757	364	6	barua	barua	PROPN
ajoaa-1757	364	7	,	,	PUNCT
ajoaa-1757	364	8	d.	d.	PROPN
ajoaa-1757	364	9	(	(	PUNCT
ajoaa-1757	364	10	2006	2006	NUM
ajoaa-1757	364	11	)	)	PUNCT
ajoaa-1757	364	12	.	.	PUNCT
ajoaa-1757	365	1	the	the	DET
ajoaa-1757	365	2	poor	poor	ADJ
ajoaa-1757	365	3	always	always	ADV
ajoaa-1757	365	4	pay	pay	VERB
ajoaa-1757	365	5	back	back	ADV
ajoaa-1757	365	6	:	:	PUNCT
ajoaa-1757	365	7	the	the	DET
ajoaa-1757	365	8	grameen	grameen	PROPN
ajoaa-1757	365	9	ii	ii	PROPN
ajoaa-1757	365	10	story	story	NOUN
ajoaa-1757	365	11	.	.	PUNCT
ajoaa-1757	366	1	bloomfield	bloomfield	PROPN
ajoaa-1757	366	2	,	,	PUNCT
ajoaa-1757	366	3	connecticut	connecticut	PROPN
ajoaa-1757	366	4	:	:	PUNCT
ajoaa-1757	366	5	kumarian	kumarian	ADJ
ajoaa-1757	366	6	press	press	NOUN
ajoaa-1757	366	7	.	.	PUNCT
ajoaa-1757	367	1	view	view	NOUN
ajoaa-1757	367	2	at	at	ADP
ajoaa-1757	367	3	google	google	PROPN
ajoaa-1757	367	4	scholar	scholar	NOUN
ajoaa-1757	367	5	/	/	SYM
ajoaa-1757	367	6	view	view	NOUN
ajoaa-1757	367	7	at	at	ADP
ajoaa-1757	367	8	publisher	publisher	NOUN
ajoaa-1757	367	9	ekong	ekong	PROPN
ajoaa-1757	367	10	,	,	PUNCT
ajoaa-1757	367	11	c.	c.	PROPN
ajoaa-1757	367	12	n.	n.	PROPN
ajoaa-1757	367	13	,	,	PUNCT
ajoaa-1757	367	14	&	&	CCONJ
ajoaa-1757	367	15	onye	onye	PROPN
ajoaa-1757	367	16	,	,	PUNCT
ajoaa-1757	367	17	k.	k.	PROPN
ajoaa-1757	367	18	(	(	PUNCT
ajoaa-1757	367	19	2013	2013	NUM
ajoaa-1757	367	20	)	)	PUNCT
ajoaa-1757	367	21	.	.	PUNCT
ajoaa-1757	368	1	framework	framework	NOUN
ajoaa-1757	368	2	for	for	ADP
ajoaa-1757	368	3	building	build	VERB
ajoaa-1757	368	4	sustainable	sustainable	ADJ
ajoaa-1757	368	5	poverty	poverty	NOUN
ajoaa-1757	368	6	alleviation	alleviation	NOUN
ajoaa-1757	368	7	strategies	strategy	NOUN
ajoaa-1757	368	8	in	in	ADP
ajoaa-1757	368	9	nigeria	nigeria	PROPN
ajoaa-1757	368	10	.	.	PUNCT
ajoaa-1757	369	1	ibadan	ibadan	PROPN
ajoaa-1757	369	2	:	:	PUNCT
ajoaa-1757	369	3	nigerian	nigerian	ADJ
ajoaa-1757	369	4	economic	economic	ADJ
ajoaa-1757	369	5	society	society	NOUN
ajoaa-1757	369	6	.	.	PUNCT
ajoaa-1757	370	1	view	view	NOUN
ajoaa-1757	370	2	at	at	ADP
ajoaa-1757	370	3	google	google	PROPN
ajoaa-1757	370	4	scholar	scholar	NOUN
ajoaa-1757	370	5	field	field	NOUN
ajoaa-1757	370	6	,	,	PUNCT
ajoaa-1757	370	7	e.	e.	PROPN
ajoaa-1757	370	8	,	,	PUNCT
ajoaa-1757	370	9	&	&	CCONJ
ajoaa-1757	370	10	pande	pande	PROPN
ajoaa-1757	370	11	,	,	PUNCT
ajoaa-1757	370	12	r.	r.	PROPN
ajoaa-1757	370	13	(	(	PUNCT
ajoaa-1757	370	14	2007	2007	NUM
ajoaa-1757	370	15	)	)	PUNCT
ajoaa-1757	370	16	.	.	PUNCT
ajoaa-1757	371	1	repayment	repayment	NOUN
ajoaa-1757	371	2	frequency	frequency	NOUN
ajoaa-1757	371	3	and	and	CCONJ
ajoaa-1757	371	4	default	default	NOUN
ajoaa-1757	371	5	in	in	ADP
ajoaa-1757	371	6	microfinance	microfinance	NOUN
ajoaa-1757	371	7	:	:	PUNCT
ajoaa-1757	371	8	evidence	evidence	NOUN
ajoaa-1757	371	9	from	from	ADP
ajoaa-1757	371	10	india	india	PROPN
ajoaa-1757	371	11	.	.	PUNCT
ajoaa-1757	372	1	journal	journal	PROPN
ajoaa-1757	372	2	of	of	ADP
ajoaa-1757	372	3	the	the	DET
ajoaa-1757	372	4	european	european	PROPN
ajoaa-1757	372	5	economic	economic	PROPN
ajoaa-1757	372	6	association	association	PROPN
ajoaa-1757	372	7	,	,	PUNCT
ajoaa-1757	372	8	6	6	NUM
ajoaa-1757	372	9	,	,	PUNCT
ajoaa-1757	372	10	501	501	NUM
ajoaa-1757	372	11	-	-	SYM
ajoaa-1757	372	12	509	509	NUM
ajoaa-1757	372	13	.	.	PUNCT
ajoaa-1757	373	1	view	view	NOUN
ajoaa-1757	373	2	at	at	ADP
ajoaa-1757	373	3	google	google	PROPN
ajoaa-1757	373	4	scholar	scholar	NOUN
ajoaa-1757	373	5	/	/	SYM
ajoaa-1757	373	6	view	view	NOUN
ajoaa-1757	373	7	at	at	ADP
ajoaa-1757	373	8	publisher	publisher	NOUN
ajoaa-1757	373	9	field	field	NOUN
ajoaa-1757	373	10	,	,	PUNCT
ajoaa-1757	373	11	e.	e.	PROPN
ajoaa-1757	373	12	,	,	PUNCT
ajoaa-1757	373	13	pande	pande	PROPN
ajoaa-1757	373	14	,	,	PUNCT
ajoaa-1757	373	15	r.	r.	PROPN
ajoaa-1757	373	16	,	,	PUNCT
ajoaa-1757	373	17	papp	papp	PROPN
ajoaa-1757	373	18	,	,	PUNCT
ajoaa-1757	373	19	j.	j.	PROPN
ajoaa-1757	373	20	,	,	PUNCT
ajoaa-1757	373	21	&	&	CCONJ
ajoaa-1757	373	22	park	park	PROPN
ajoaa-1757	373	23	,	,	PUNCT
ajoaa-1757	373	24	y.	y.	PROPN
ajoaa-1757	373	25	j.	j.	PROPN
ajoaa-1757	373	26	(	(	PUNCT
ajoaa-1757	373	27	2012	2012	NUM
ajoaa-1757	373	28	)	)	PUNCT
ajoaa-1757	373	29	.	.	PUNCT
ajoaa-1757	374	1	repayment	repayment	NOUN
ajoaa-1757	374	2	flexibility	flexibility	NOUN
ajoaa-1757	374	3	can	can	AUX
ajoaa-1757	374	4	reduce	reduce	VERB
ajoaa-1757	374	5	financial	financial	ADJ
ajoaa-1757	374	6	stress	stress	NOUN
ajoaa-1757	374	7	:	:	PUNCT
ajoaa-1757	374	8	a	a	DET
ajoaa-1757	374	9	randomized	randomized	ADJ
ajoaa-1757	374	10	control	control	NOUN
ajoaa-1757	374	11	trial	trial	NOUN
ajoaa-1757	374	12	with	with	ADP
ajoaa-1757	374	13	microfinance	microfinance	NOUN
ajoaa-1757	374	14	clients	client	NOUN
ajoaa-1757	374	15	in	in	ADP
ajoaa-1757	374	16	india	india	PROPN
ajoaa-1757	374	17	.	.	PUNCT
ajoaa-1757	375	1	plos	plos	PROPN
ajoaa-1757	375	2	one	one	NUM
ajoaa-1757	375	3	7	7	NUM
ajoaa-1757	375	4	:	:	PUNCT
ajoaa-1757	375	5	e45679	e45679	NOUN
ajoaa-1757	375	6	.	.	PROPN
ajoaa-1757	375	7	view	view	NOUN
ajoaa-1757	375	8	at	at	ADP
ajoaa-1757	375	9	google	google	PROPN
ajoaa-1757	375	10	scholar	scholar	NOUN
ajoaa-1757	375	11	/	/	SYM
ajoaa-1757	375	12	view	view	NOUN
ajoaa-1757	375	13	at	at	ADP
ajoaa-1757	375	14	publisher	publisher	PROPN
ajoaa-1757	375	15	fraser	fraser	PROPN
ajoaa-1757	375	16	,	,	PUNCT
ajoaa-1757	375	17	s.	s.	PROPN
ajoaa-1757	375	18	,	,	PUNCT
ajoaa-1757	375	19	bhaumik	bhaumik	PROPN
ajoaa-1757	375	20	,	,	PUNCT
ajoaa-1757	375	21	s.	s.	PROPN
ajoaa-1757	375	22	,	,	PUNCT
ajoaa-1757	375	23	&	&	CCONJ
ajoaa-1757	375	24	wright	wright	PROPN
ajoaa-1757	375	25	,	,	PUNCT
ajoaa-1757	375	26	m.	m.	NOUN
ajoaa-1757	375	27	(	(	PUNCT
ajoaa-1757	375	28	2013	2013	NUM
ajoaa-1757	375	29	)	)	PUNCT
ajoaa-1757	375	30	.	.	PUNCT
ajoaa-1757	376	1	what	what	PRON
ajoaa-1757	376	2	do	do	AUX
ajoaa-1757	376	3	we	we	PRON
ajoaa-1757	376	4	know	know	VERB
ajoaa-1757	376	5	about	about	ADP
ajoaa-1757	376	6	the	the	DET
ajoaa-1757	376	7	relationship	relationship	NOUN
ajoaa-1757	376	8	between	between	ADP
ajoaa-1757	376	9	entrepreneurial	entrepreneurial	ADJ
ajoaa-1757	376	10	finance	finance	NOUN
ajoaa-1757	376	11	and	and	CCONJ
ajoaa-1757	376	12	growth	growth	NOUN
ajoaa-1757	376	13	?	?	PUNCT
ajoaa-1757	377	1	uk	uk	PROPN
ajoaa-1757	377	2	:	:	PUNCT
ajoaa-1757	377	3	enterprise	enterprise	NOUN
ajoaa-1757	377	4	research	research	NOUN
ajoaa-1757	377	5	center	center	NOUN
ajoaa-1757	377	6	(	(	PUNCT
ajoaa-1757	377	7	erc	erc	PROPN
ajoaa-1757	377	8	)	)	PUNCT
ajoaa-1757	377	9	.	.	PUNCT
ajoaa-1757	378	1	view	view	NOUN
ajoaa-1757	378	2	at	at	ADP
ajoaa-1757	378	3	google	google	PROPN
ajoaa-1757	378	4	scholar	scholar	NOUN
ajoaa-1757	378	5	/	/	SYM
ajoaa-1757	378	6	view	view	NOUN
ajoaa-1757	378	7	at	at	ADP
ajoaa-1757	378	8	publisher	publisher	NOUN
ajoaa-1757	378	9	ganle	ganle	NOUN
ajoaa-1757	378	10	,	,	PUNCT
ajoaa-1757	378	11	j.	j.	PROPN
ajoaa-1757	378	12	k.	k.	PROPN
ajoaa-1757	378	13	,	,	PUNCT
ajoaa-1757	378	14	afriyie	afriyie	ADV
ajoaa-1757	378	15	,	,	PUNCT
ajoaa-1757	378	16	k.	k.	PROPN
ajoaa-1757	378	17	,	,	PUNCT
ajoaa-1757	378	18	&	&	CCONJ
ajoaa-1757	378	19	segbefia	segbefia	PROPN
ajoaa-1757	378	20	,	,	PUNCT
ajoaa-1757	378	21	a.y	a.y	PROPN
ajoaa-1757	378	22	.	.	PROPN
ajoaa-1757	379	1	(	(	PUNCT
ajoaa-1757	379	2	2015	2015	NUM
ajoaa-1757	379	3	)	)	PUNCT
ajoaa-1757	379	4	.	.	PUNCT
ajoaa-1757	380	1	microcredit	microcredit	NOUN
ajoaa-1757	380	2	:	:	PUNCT
ajoaa-1757	380	3	empowerment	empowerment	NOUN
ajoaa-1757	380	4	and	and	CCONJ
ajoaa-1757	380	5	disempowerment	disempowerment	NOUN
ajoaa-1757	380	6	of	of	ADP
ajoaa-1757	380	7	rural	rural	ADJ
ajoaa-1757	380	8	women	woman	NOUN
ajoaa-1757	380	9	in	in	ADP
ajoaa-1757	380	10	ghana	ghana	PROPN
ajoaa-1757	380	11	.	.	PUNCT
ajoaa-1757	381	1	world	world	PROPN
ajoaa-1757	381	2	development	development	PROPN
ajoaa-1757	381	3	,	,	PUNCT
ajoaa-1757	381	4	66	66	NUM
ajoaa-1757	381	5	,	,	PUNCT
ajoaa-1757	381	6	335	335	NUM
ajoaa-1757	381	7	-	-	SYM
ajoaa-1757	381	8	345	345	NUM
ajoaa-1757	381	9	.	.	PUNCT
ajoaa-1757	382	1	view	view	NOUN
ajoaa-1757	382	2	at	at	ADP
ajoaa-1757	382	3	google	google	PROPN
ajoaa-1757	382	4	scholar	scholar	NOUN
ajoaa-1757	382	5	/	/	SYM
ajoaa-1757	382	6	view	view	NOUN
ajoaa-1757	382	7	at	at	ADP
ajoaa-1757	382	8	publisher	publisher	PROPN
ajoaa-1757	382	9	gerald	gerald	PROPN
ajoaa-1757	382	10	,	,	PUNCT
ajoaa-1757	382	11	p.	p.	PROPN
ajoaa-1757	382	12	,	,	PUNCT
ajoaa-1757	382	13	&	&	CCONJ
ajoaa-1757	382	14	obuobie	obuobie	PROPN
ajoaa-1757	382	15	,	,	PUNCT
ajoaa-1757	382	16	j.	j.	PROPN
ajoaa-1757	382	17	(	(	PUNCT
ajoaa-1757	382	18	2010	2010	NUM
ajoaa-1757	382	19	)	)	PUNCT
ajoaa-1757	382	20	.	.	PUNCT
ajoaa-1757	383	1	microfinance	microfinance	NOUN
ajoaa-1757	383	2	default	default	NOUN
ajoaa-1757	383	3	rates	rate	NOUN
ajoaa-1757	383	4	in	in	ADP
ajoaa-1757	383	5	ghana	ghana	PROPN
ajoaa-1757	383	6	:	:	PUNCT
ajoaa-1757	383	7	evidence	evidence	NOUN
ajoaa-1757	383	8	from	from	ADP
ajoaa-1757	383	9	individualliability	individualliability	NOUN
ajoaa-1757	383	10	credit	credit	NOUN
ajoaa-1757	383	11	contracts	contract	NOUN
ajoaa-1757	383	12	.	.	PUNCT
ajoaa-1757	384	1	microbanking	microbanke	VERB
ajoaa-1757	384	2	bulletin	bulletin	NOUN
ajoaa-1757	384	3	,	,	PUNCT
ajoaa-1757	384	4	no	no	INTJ
ajoaa-1757	384	5	.	.	NOUN
ajoaa-1757	384	6	20	20	NUM
ajoaa-1757	384	7	,	,	PUNCT
ajoaa-1757	384	8	september	september	PROPN
ajoaa-1757	384	9	,	,	PUNCT
ajoaa-1757	384	10	2010	2010	NUM
ajoaa-1757	384	11	.	.	PUNCT
ajoaa-1757	385	1	view	view	NOUN
ajoaa-1757	385	2	at	at	ADP
ajoaa-1757	385	3	google	google	PROPN
ajoaa-1757	385	4	scholar	scholar	NOUN
ajoaa-1757	385	5	giné	giné	NOUN
ajoaa-1757	385	6	,	,	PUNCT
ajoaa-1757	385	7	x.	x.	NOUN
ajoaa-1757	385	8	(	(	PUNCT
ajoaa-1757	385	9	2010	2010	NUM
ajoaa-1757	385	10	)	)	PUNCT
ajoaa-1757	385	11	.	.	PUNCT
ajoaa-1757	386	1	group	group	NOUN
ajoaa-1757	386	2	versus	versus	ADP
ajoaa-1757	386	3	individual	individual	ADJ
ajoaa-1757	386	4	liability	liability	NOUN
ajoaa-1757	386	5	:	:	PUNCT
ajoaa-1757	386	6	long	long	ADJ
ajoaa-1757	386	7	term	term	NOUN
ajoaa-1757	386	8	evidence	evidence	NOUN
ajoaa-1757	386	9	from	from	ADP
ajoaa-1757	386	10	philippine	philippine	ADJ
ajoaa-1757	386	11	microcredit	microcredit	NOUN
ajoaa-1757	386	12	lending	lending	NOUN
ajoaa-1757	386	13	groups	group	NOUN
ajoaa-1757	386	14	.	.	PUNCT
ajoaa-1757	387	1	yale	yale	PROPN
ajoaa-1757	387	2	university	university	PROPN
ajoaa-1757	387	3	working	working	NOUN
ajoaa-1757	387	4	paper	paper	NOUN
ajoaa-1757	387	5	.	.	PUNCT
ajoaa-1757	388	1	view	view	NOUN
ajoaa-1757	388	2	at	at	ADP
ajoaa-1757	388	3	google	google	PROPN
ajoaa-1757	388	4	scholar	scholar	NOUN
ajoaa-1757	388	5	/	/	SYM
ajoaa-1757	388	6	view	view	NOUN
ajoaa-1757	388	7	at	at	ADP
ajoaa-1757	388	8	publisher	publisher	NOUN
ajoaa-1757	388	9	giné	giné	NOUN
ajoaa-1757	388	10	,	,	PUNCT
ajoaa-1757	388	11	x.	x.	PROPN
ajoaa-1757	388	12	,	,	PUNCT
ajoaa-1757	388	13	&	&	CCONJ
ajoaa-1757	388	14	karlan	karlan	PROPN
ajoaa-1757	388	15	,	,	PUNCT
ajoaa-1757	388	16	d.	d.	PROPN
ajoaa-1757	388	17	(	(	PUNCT
ajoaa-1757	388	18	2011	2011	NUM
ajoaa-1757	388	19	)	)	PUNCT
ajoaa-1757	388	20	.	.	PUNCT
ajoaa-1757	389	1	group	group	NOUN
ajoaa-1757	389	2	versus	versus	ADP
ajoaa-1757	389	3	individual	individual	ADJ
ajoaa-1757	389	4	liability	liability	NOUN
ajoaa-1757	389	5	:	:	PUNCT
ajoaa-1757	389	6	short	short	ADJ
ajoaa-1757	389	7	and	and	CCONJ
ajoaa-1757	389	8	long	long	ADJ
ajoaa-1757	389	9	term	term	NOUN
ajoaa-1757	389	10	evidence	evidence	NOUN
ajoaa-1757	389	11	from	from	ADP
ajoaa-1757	389	12	philippine	philippine	ADJ
ajoaa-1757	389	13	microcredit	microcredit	NOUN
ajoaa-1757	389	14	lending	lending	NOUN
ajoaa-1757	389	15	groups	group	NOUN
ajoaa-1757	389	16	.	.	PUNCT
ajoaa-1757	390	1	working	work	VERB
ajoaa-1757	390	2	paper	paper	NOUN
ajoaa-1757	390	3	,	,	PUNCT
ajoaa-1757	390	4	yale	yale	PROPN
ajoaa-1757	390	5	univ	univ	PROPN
ajoaa-1757	390	6	.	.	PROPN
ajoaa-1757	390	7	,	,	PUNCT
ajoaa-1757	390	8	new	new	PROPN
ajoaa-1757	390	9	haven	haven	NOUN
ajoaa-1757	390	10	,	,	PUNCT
ajoaa-1757	390	11	ct	ct	PROPN
ajoaa-1757	390	12	.	.	PUNCT
ajoaa-1757	390	13	view	view	NOUN
ajoaa-1757	390	14	at	at	ADP
ajoaa-1757	390	15	google	google	PROPN
ajoaa-1757	390	16	scholar	scholar	NOUN
ajoaa-1757	390	17	/	/	SYM
ajoaa-1757	390	18	view	view	NOUN
ajoaa-1757	390	19	at	at	ADP
ajoaa-1757	390	20	publisher	publisher	NOUN
ajoaa-1757	390	21	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+problem+of+transaction+costs+in+group-based+microlending%3a+an+institutional+perspective&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+problem+of+transaction+costs+in+group-based+microlending%3a+an+institutional+perspective&btng=	NOUN
ajoaa-1757	390	22	https://doi.org/10.1016/s0305-750x(98)00007-2	https://doi.org/10.1016/s0305-750x(98)00007-2	VERB
ajoaa-1757	390	23	https://doi.org/10.1016/s0305-750x(98)00007-2	https://doi.org/10.1016/s0305-750x(98)00007-2	X
ajoaa-1757	390	24	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=determinant+of+repayment+in+microcredit%3a+evidence+from+the+united+states&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=determinant+of+repayment+in+microcredit%3a+evidence+from+the+united+states&btng=	NOUN
ajoaa-1757	390	25	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=determinant+of+repayment+in+microcredit%3a+evidence+from+the+united+states&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=determinant+of+repayment+in+microcredit%3a+evidence+from+the+united+states&btng=	PROPN
ajoaa-1757	390	26	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microcredit+work+in+the+united+state%3f&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microcredit+work+in+the+united+state%3f&btng=	NOUN
ajoaa-1757	390	27	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=causes+of+loan+default+within+microfinance+institutions+in+kenya&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=causes+of+loan+default+within+microfinance+institutions+in+kenya&btng=	NOUN
ajoaa-1757	390	28	https://halshs.archives-ouvertes.fr/halshs-01774320/document	https://halshs.archives-ouvertes.fr/halshs-01774320/document	PROPN
ajoaa-1757	390	29	https://halshs.archives-ouvertes.fr/halshs-01774320/document	https://halshs.archives-ouvertes.fr/halshs-01774320/document	PROPN
ajoaa-1757	390	30	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=peer+effects+and+loan+repayment%3a+evidence+from+the+krishna+default+crisis&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=peer+effects+and+loan+repayment%3a+evidence+from+the+krishna+default+crisis&btng=	NOUN
ajoaa-1757	390	31	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+role+of+subsidization+and+organizational+status+on+microfinance+borrower+repayment+rates&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+role+of+subsidization+and+organizational+status+on+microfinance+borrower+repayment+rates&btng=	ADV
ajoaa-1757	390	32	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+role+of+subsidization+and+organizational+status+on+microfinance+borrower+repayment+rates&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+role+of+subsidization+and+organizational+status+on+microfinance+borrower+repayment+rates&btng=	NOUN
ajoaa-1757	390	33	https://doi.org/10.1016/j.worlddev.2014.09.007	https://doi.org/10.1016/j.worlddev.2014.09.007	ADJ
ajoaa-1757	390	34	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+developing+world+is+poorer+than+we+thought%2c+but+no+less+successful+in+the+fight+against+poverty.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+developing+world+is+poorer+than+we+thought%2c+but+no+less+successful+in+the+fight+against+poverty.+&btng=	NOUN
ajoaa-1757	390	35	https://doi.org/10.1596/1813-9450-4703	https://doi.org/10.1596/1813-9450-4703	PUNCT
ajoaa-1757	390	36	http://www.cgap	http://www.cgap	NOUN
ajoaa-1757	390	37	-	-	PUNCT
ajoaa-1757	390	38	brief	brief	NOUN
ajoaa-1757	390	39	-	-	PUNCT
ajoaa-1757	390	40	measuring	measure	VERB
ajoaa-1757	390	41	-	-	PUNCT
ajoaa-1757	390	42	changes	change	NOUN
ajoaa-1757	390	43	-	-	PUNCT
ajoaa-1757	390	44	in	in	ADP
ajoaa-1757	390	45	-	-	PUNCT
ajoaa-1757	390	46	client	client	NOUN
ajoaa-1757	390	47	-	-	PUNCT
ajoaa-1757	390	48	lives	life	NOUN
ajoaa-1757	390	49	-	-	PUNCT
ajoaa-1757	390	50	through	through	ADP
ajoaa-1757	390	51	-	-	PUNCT
ajoaa-1757	390	52	contributions	contribution	NOUN
ajoaa-1757	390	53	-	-	PUNCT
ajoaa-1757	390	54	of	of	ADP
ajoaa-1757	390	55	-	-	PUNCT
ajoaa-1757	390	56	different	different	ADJ
ajoaa-1757	390	57	-	-	PUNCT
ajoaa-1757	390	58	approaches	approach	NOUN
ajoaa-1757	390	59	-	-	PUNCT
ajoaa-1757	390	60	may-2011.pdf/	may-2011.pdf/	NOUN
ajoaa-1757	390	61	http://www.cgap	http://www.cgap	NOUN
ajoaa-1757	390	62	-	-	PUNCT
ajoaa-1757	390	63	brief	brief	NOUN
ajoaa-1757	390	64	-	-	PUNCT
ajoaa-1757	390	65	measuring	measure	VERB
ajoaa-1757	390	66	-	-	PUNCT
ajoaa-1757	390	67	changes	change	NOUN
ajoaa-1757	390	68	-	-	PUNCT
ajoaa-1757	390	69	in	in	ADP
ajoaa-1757	390	70	-	-	PUNCT
ajoaa-1757	390	71	client	client	NOUN
ajoaa-1757	390	72	-	-	PUNCT
ajoaa-1757	390	73	lives	life	NOUN
ajoaa-1757	390	74	-	-	PUNCT
ajoaa-1757	390	75	through	through	ADP
ajoaa-1757	390	76	-	-	PUNCT
ajoaa-1757	390	77	contributions	contribution	NOUN
ajoaa-1757	390	78	-	-	PUNCT
ajoaa-1757	390	79	of	of	ADP
ajoaa-1757	390	80	-	-	PUNCT
ajoaa-1757	390	81	different	different	ADJ
ajoaa-1757	390	82	-	-	PUNCT
ajoaa-1757	390	83	approaches	approach	NOUN
ajoaa-1757	390	84	-	-	PUNCT
ajoaa-1757	390	85	may-2011.pdf/	may-2011.pdf/	NOUN
ajoaa-1757	390	86	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+poor+always+pay+back%3a+the+grameen+ii+story&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+poor+always+pay+back%3a+the+grameen+ii+story&btng=	NOUN
ajoaa-1757	390	87	https://doi.org/10.5860/choice.44-5755	https://doi.org/10.5860/choice.44-5755	PRON
ajoaa-1757	390	88	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=framework+for+building+sustainable+poverty+alleviation+strategies+in+nigeria&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=framework+for+building+sustainable+poverty+alleviation+strategies+in+nigeria&btng=	NOUN
ajoaa-1757	390	89	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=repayment+frequency+and+default+in+microfinance%3a+evidence+from+india.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=repayment+frequency+and+default+in+microfinance%3a+evidence+from+india.+&btng=	PROPN
ajoaa-1757	390	90	https://doi.org/10.1162/jeea.2008.6.2-3.501	https://doi.org/10.1162/jeea.2008.6.2-3.501	X
ajoaa-1757	390	91	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=repayment+flexibility+can+reduce+financial+stress%3a+a+randomized+control+trial+with+microfinance+clients+in+india&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=repayment+flexibility+can+reduce+financial+stress%3a+a+randomized+control+trial+with+microfinance+clients+in+india&btng=	PROPN
ajoaa-1757	390	92	https://doi.org/10.1371/journal.pone.0045679	https://doi.org/10.1371/journal.pone.0045679	PROPN
ajoaa-1757	390	93	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=what+do+we+know+about+the+relationship+between+entrepreneurial+finance+and+growth%3f&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=what+do+we+know+about+the+relationship+between+entrepreneurial+finance+and+growth%3f&btng=	PROPN
ajoaa-1757	390	94	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=what+do+we+know+about+the+relationship+between+entrepreneurial+finance+and+growth%3f&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=what+do+we+know+about+the+relationship+between+entrepreneurial+finance+and+growth%3f&btng=	PROPN
ajoaa-1757	390	95	https://doi.org/10.20955/wp.2012.054	https://doi.org/10.20955/wp.2012.054	PROPN
ajoaa-1757	390	96	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microcredit%3a+empowerment+and+disempowerment+of+rural+women+in+ghana&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microcredit%3a+empowerment+and+disempowerment+of+rural+women+in+ghana&btng=	PROPN
ajoaa-1757	390	97	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microcredit%3a+empowerment+and+disempowerment+of+rural+women+in+ghana&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microcredit%3a+empowerment+and+disempowerment+of+rural+women+in+ghana&btng=	PROPN
ajoaa-1757	391	1	https://doi.org/10.1016/j.worlddev.2014.08.027	https://doi.org/10.1016/j.worlddev.2014.08.027	PROPN
ajoaa-1757	391	2	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microfinance+default+rates+in+ghana%3a+evidence+from+individual-liability+credit+contracts&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microfinance+default+rates+in+ghana%3a+evidence+from+individual-liability+credit+contracts&btng=	PROPN
ajoaa-1757	391	3	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microfinance+default+rates+in+ghana%3a+evidence+from+individual-liability+credit+contracts&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microfinance+default+rates+in+ghana%3a+evidence+from+individual-liability+credit+contracts&btng=	PROPN
ajoaa-1757	391	4	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=group+versus+individual+liability%3a+long+term+evidence+from+philippine+microcredit+lending+groups.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=group+versus+individual+liability%3a+long+term+evidence+from+philippine+microcredit+lending+groups.+&btng=	PROPN
ajoaa-1757	391	5	https://doi.org/10.1016/j.jdeveco.2013.11.003	https://doi.org/10.1016/j.jdeveco.2013.11.003	PROPN
ajoaa-1757	391	6	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=group+versus+individual+liability%3a+short+and+long+term+evidence+from+philippine+microcredit+lending+groups&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=group+versus+individual+liability%3a+short+and+long+term+evidence+from+philippine+microcredit+lending+groups&btng=	ADV
ajoaa-1757	391	7	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=group+versus+individual+liability%3a+short+and+long+term+evidence+from+philippine+microcredit+lending+groups&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=group+versus+individual+liability%3a+short+and+long+term+evidence+from+philippine+microcredit+lending+groups&btng=	ADV
ajoaa-1757	391	8	https://doi.org/10.1016/j.jdeveco.2013.11.003	https://doi.org/10.1016/j.jdeveco.2013.11.003	PROPN
ajoaa-1757	391	9	asian	asian	ADJ
ajoaa-1757	391	10	journal	journal	NOUN
ajoaa-1757	391	11	of	of	ADP
ajoaa-1757	391	12	agriculture	agriculture	NOUN
ajoaa-1757	391	13	and	and	CCONJ
ajoaa-1757	391	14	rural	rural	ADJ
ajoaa-1757	391	15	development	development	NOUN
ajoaa-1757	391	16	,	,	PUNCT
ajoaa-1757	391	17	8(2)2018	8(2)2018	NUM
ajoaa-1757	391	18	:	:	PUNCT
ajoaa-1757	391	19	74	74	NUM
ajoaa-1757	391	20	-	-	SYM
ajoaa-1757	391	21	91	91	NUM
ajoaa-1757	391	22	89	89	NUM
ajoaa-1757	391	23	giné	giné	NOUN
ajoaa-1757	391	24	,	,	PUNCT
ajoaa-1757	391	25	x.	x.	NOUN
ajoaa-1757	391	26	,	,	PUNCT
ajoaa-1757	391	27	jakiela	jakiela	PROPN
ajoaa-1757	391	28	,	,	PUNCT
ajoaa-1757	391	29	p.	p.	NOUN
ajoaa-1757	391	30	,	,	PUNCT
ajoaa-1757	391	31	karlan	karlan	PROPN
ajoaa-1757	391	32	,	,	PUNCT
ajoaa-1757	391	33	d.	d.	PROPN
ajoaa-1757	391	34	,	,	PUNCT
ajoaa-1757	391	35	&	&	CCONJ
ajoaa-1757	391	36	morduch	morduch	PROPN
ajoaa-1757	391	37	,	,	PUNCT
ajoaa-1757	391	38	j.	j.	PROPN
ajoaa-1757	391	39	(	(	PUNCT
ajoaa-1757	391	40	2010	2010	NUM
ajoaa-1757	391	41	)	)	PUNCT
ajoaa-1757	391	42	.	.	PUNCT
ajoaa-1757	392	1	microfinance	microfinance	NOUN
ajoaa-1757	392	2	games	game	NOUN
ajoaa-1757	392	3	.	.	PUNCT
ajoaa-1757	393	1	american	american	ADJ
ajoaa-1757	393	2	economic	economic	PROPN
ajoaa-1757	393	3	journal	journal	PROPN
ajoaa-1757	393	4	:	:	PUNCT
ajoaa-1757	393	5	applied	apply	VERB
ajoaa-1757	393	6	economics	economic	NOUN
ajoaa-1757	393	7	,	,	PUNCT
ajoaa-1757	393	8	2(3	2(3	NUM
ajoaa-1757	393	9	)	)	PUNCT
ajoaa-1757	393	10	,	,	PUNCT
ajoaa-1757	393	11	60–95	60–95	NUM
ajoaa-1757	393	12	.	.	PUNCT
ajoaa-1757	394	1	http://www.aeaweb.org/articles.php?doi=10.1257/app.2.3.60	http://www.aeaweb.org/articles.php?doi=10.1257/app.2.3.60	PROPN
ajoaa-1757	394	2	.	.	PUNCT
ajoaa-1757	394	3	imai	imai	PROPN
ajoaa-1757	394	4	,	,	PUNCT
ajoaa-1757	394	5	k.	k.	PROPN
ajoaa-1757	394	6	s.	s.	PROPN
ajoaa-1757	394	7	,	,	PUNCT
ajoaa-1757	394	8	&	&	CCONJ
ajoaa-1757	394	9	azam	azam	PROPN
ajoaa-1757	394	10	,	,	PUNCT
ajoaa-1757	394	11	m.	m.	PROPN
ajoaa-1757	394	12	d.	d.	PROPN
ajoaa-1757	394	13	s.	s.	PROPN
ajoaa-1757	394	14	(	(	PUNCT
ajoaa-1757	394	15	2012	2012	NUM
ajoaa-1757	394	16	)	)	PUNCT
ajoaa-1757	394	17	.	.	PUNCT
ajoaa-1757	395	1	does	do	AUX
ajoaa-1757	395	2	microfinance	microfinance	NOUN
ajoaa-1757	395	3	reduce	reduce	VERB
ajoaa-1757	395	4	poverty	poverty	NOUN
ajoaa-1757	395	5	in	in	ADP
ajoaa-1757	395	6	bangladesh	bangladesh	NOUN
ajoaa-1757	395	7	?	?	PUNCT
ajoaa-1757	396	1	new	new	ADJ
ajoaa-1757	396	2	evidence	evidence	NOUN
ajoaa-1757	396	3	from	from	ADP
ajoaa-1757	396	4	household	household	NOUN
ajoaa-1757	396	5	panel	panel	NOUN
ajoaa-1757	396	6	data	datum	NOUN
ajoaa-1757	396	7	.	.	PUNCT
ajoaa-1757	397	1	journal	journal	PROPN
ajoaa-1757	397	2	of	of	ADP
ajoaa-1757	397	3	development	development	NOUN
ajoaa-1757	397	4	studies	study	NOUN
ajoaa-1757	397	5	,	,	PUNCT
ajoaa-1757	397	6	48	48	NUM
ajoaa-1757	397	7	,	,	PUNCT
ajoaa-1757	397	8	633	633	NUM
ajoaa-1757	397	9	-	-	SYM
ajoaa-1757	397	10	653	653	NUM
ajoaa-1757	397	11	.	.	PUNCT
ajoaa-1757	398	1	view	view	NOUN
ajoaa-1757	398	2	at	at	ADP
ajoaa-1757	398	3	google	google	PROPN
ajoaa-1757	398	4	scholar	scholar	NOUN
ajoaa-1757	398	5	/	/	SYM
ajoaa-1757	398	6	view	view	NOUN
ajoaa-1757	398	7	at	at	ADP
ajoaa-1757	398	8	publisher	publisher	NOUN
ajoaa-1757	398	9	jeffrey	jeffrey	PROPN
ajoaa-1757	398	10	,	,	PUNCT
ajoaa-1757	398	11	c.	c.	PROPN
ajoaa-1757	398	12	,	,	PUNCT
ajoaa-1757	398	13	&	&	CCONJ
ajoaa-1757	398	14	tyler	tyler	PROPN
ajoaa-1757	398	15	,	,	PUNCT
ajoaa-1757	398	16	w.	w.	PROPN
ajoaa-1757	398	17	(	(	PUNCT
ajoaa-1757	398	18	2010	2010	NUM
ajoaa-1757	398	19	)	)	PUNCT
ajoaa-1757	398	20	.	.	PUNCT
ajoaa-1757	399	1	moral	moral	ADJ
ajoaa-1757	399	2	hazard	hazard	NOUN
ajoaa-1757	399	3	,	,	PUNCT
ajoaa-1757	399	4	peer	peer	NOUN
ajoaa-1757	399	5	monitoring	monitoring	NOUN
ajoaa-1757	399	6	,	,	PUNCT
ajoaa-1757	399	7	and	and	CCONJ
ajoaa-1757	399	8	microcredit	microcredit	NOUN
ajoaa-1757	399	9	:	:	PUNCT
ajoaa-1757	399	10	field	field	NOUN
ajoaa-1757	399	11	experimental	experimental	ADJ
ajoaa-1757	399	12	evidence	evidence	NOUN
ajoaa-1757	399	13	from	from	ADP
ajoaa-1757	399	14	paraguay	paraguay	NOUN
ajoaa-1757	399	15	.	.	PUNCT
ajoaa-1757	400	1	working	working	NOUN
ajoaa-1757	400	2	paper	paper	PROPN
ajoaa-1757	400	3	no	no	INTJ
ajoaa-1757	400	4	.	.	PROPN
ajoaa-1757	401	1	10	10	NUM
ajoaa-1757	401	2	-	-	SYM
ajoaa-1757	401	3	6	6	NUM
ajoaa-1757	401	4	,	,	PUNCT
ajoaa-1757	401	5	federal	federal	PROPN
ajoaa-1757	401	6	reserve	reserve	PROPN
ajoaa-1757	401	7	bank	bank	PROPN
ajoaa-1757	401	8	of	of	ADP
ajoaa-1757	401	9	boston	boston	PROPN
ajoaa-1757	401	10	.	.	PUNCT
ajoaa-1757	402	1	view	view	NOUN
ajoaa-1757	402	2	at	at	ADP
ajoaa-1757	402	3	google	google	PROPN
ajoaa-1757	402	4	scholar	scholar	NOUN
ajoaa-1757	402	5	/	/	SYM
ajoaa-1757	402	6	view	view	NOUN
ajoaa-1757	402	7	at	at	ADP
ajoaa-1757	402	8	publisher	publisher	NOUN
ajoaa-1757	402	9	kaboski	kaboski	PROPN
ajoaa-1757	402	10	,	,	PUNCT
ajoaa-1757	402	11	j.	j.	PROPN
ajoaa-1757	402	12	p.	p.	PROPN
ajoaa-1757	402	13	,	,	PUNCT
ajoaa-1757	402	14	&	&	CCONJ
ajoaa-1757	402	15	townsend	townsend	PROPN
ajoaa-1757	402	16	,	,	PUNCT
ajoaa-1757	402	17	r.	r.	PROPN
ajoaa-1757	402	18	m.	m.	PROPN
ajoaa-1757	402	19	(	(	PUNCT
ajoaa-1757	402	20	2013	2013	NUM
ajoaa-1757	402	21	)	)	PUNCT
ajoaa-1757	402	22	.	.	PUNCT
ajoaa-1757	403	1	the	the	DET
ajoaa-1757	403	2	impact	impact	NOUN
ajoaa-1757	403	3	of	of	ADP
ajoaa-1757	403	4	credit	credit	NOUN
ajoaa-1757	403	5	on	on	ADP
ajoaa-1757	403	6	village	village	NOUN
ajoaa-1757	403	7	economies	economy	NOUN
ajoaa-1757	403	8	.	.	PUNCT
ajoaa-1757	404	1	american	american	ADJ
ajoaa-1757	404	2	economic	economic	PROPN
ajoaa-1757	404	3	journal	journal	PROPN
ajoaa-1757	404	4	of	of	ADP
ajoaa-1757	404	5	applied	apply	VERB
ajoaa-1757	404	6	economics	economic	NOUN
ajoaa-1757	404	7	,	,	PUNCT
ajoaa-1757	404	8	4	4	NUM
ajoaa-1757	404	9	,	,	PUNCT
ajoaa-1757	404	10	98	98	NUM
ajoaa-1757	404	11	-	-	SYM
ajoaa-1757	404	12	133	133	NUM
ajoaa-1757	404	13	.	.	PUNCT
ajoaa-1757	405	1	view	view	NOUN
ajoaa-1757	405	2	at	at	ADP
ajoaa-1757	405	3	google	google	PROPN
ajoaa-1757	405	4	scholar	scholar	NOUN
ajoaa-1757	405	5	/	/	SYM
ajoaa-1757	405	6	view	view	NOUN
ajoaa-1757	405	7	at	at	ADP
ajoaa-1757	405	8	publisher	publisher	NOUN
ajoaa-1757	405	9	karlan	karlan	PROPN
ajoaa-1757	405	10	,	,	PUNCT
ajoaa-1757	405	11	d.	d.	PROPN
ajoaa-1757	405	12	s.	s.	PROPN
ajoaa-1757	405	13	,	,	PUNCT
ajoaa-1757	405	14	&	&	CCONJ
ajoaa-1757	405	15	zinman	zinman	PROPN
ajoaa-1757	405	16	,	,	PUNCT
ajoaa-1757	405	17	j.	j.	PROPN
ajoaa-1757	405	18	(	(	PUNCT
ajoaa-1757	405	19	2011	2011	NUM
ajoaa-1757	405	20	)	)	PUNCT
ajoaa-1757	405	21	.	.	PUNCT
ajoaa-1757	406	1	credit	credit	NOUN
ajoaa-1757	406	2	elasticity	elasticity	NOUN
ajoaa-1757	406	3	in	in	ADP
ajoaa-1757	406	4	less	less	ADV
ajoaa-1757	406	5	-	-	PUNCT
ajoaa-1757	406	6	developed	develop	VERB
ajoaa-1757	406	7	economies	economy	NOUN
ajoaa-1757	406	8	:	:	PUNCT
ajoaa-1757	406	9	implications	implication	NOUN
ajoaa-1757	406	10	for	for	ADP
ajoaa-1757	406	11	microfinance	microfinance	NOUN
ajoaa-1757	406	12	.	.	PUNCT
ajoaa-1757	407	1	american	american	PROPN
ajoaa-1757	407	2	economic	economic	PROPN
ajoaa-1757	407	3	review	review	PROPN
ajoaa-1757	407	4	,	,	PUNCT
ajoaa-1757	407	5	98(3	98(3	PROPN
ajoaa-1757	407	6	)	)	PUNCT
ajoaa-1757	407	7	,	,	PUNCT
ajoaa-1757	407	8	1040	1040	NUM
ajoaa-1757	407	9	-	-	SYM
ajoaa-1757	407	10	1068	1068	NUM
ajoaa-1757	407	11	.	.	PUNCT
ajoaa-1757	408	1	view	view	NOUN
ajoaa-1757	408	2	at	at	ADP
ajoaa-1757	408	3	google	google	PROPN
ajoaa-1757	408	4	scholar	scholar	NOUN
ajoaa-1757	408	5	/	/	SYM
ajoaa-1757	408	6	view	view	NOUN
ajoaa-1757	408	7	at	at	ADP
ajoaa-1757	408	8	publisher	publisher	NOUN
ajoaa-1757	408	9	karlan	karlan	PROPN
ajoaa-1757	408	10	,	,	PUNCT
ajoaa-1757	408	11	d.	d.	PROPN
ajoaa-1757	408	12	,	,	PUNCT
ajoaa-1757	408	13	&	&	CCONJ
ajoaa-1757	408	14	valdivia	valdivia	PROPN
ajoaa-1757	408	15	,	,	PUNCT
ajoaa-1757	408	16	m.	m.	NOUN
ajoaa-1757	408	17	(	(	PUNCT
ajoaa-1757	408	18	2011	2011	NUM
ajoaa-1757	408	19	)	)	PUNCT
ajoaa-1757	408	20	.	.	PUNCT
ajoaa-1757	409	1	teaching	teach	VERB
ajoaa-1757	409	2	entrepreneurship	entrepreneurship	NOUN
ajoaa-1757	409	3	:	:	PUNCT
ajoaa-1757	409	4	impact	impact	NOUN
ajoaa-1757	409	5	of	of	ADP
ajoaa-1757	409	6	business	business	NOUN
ajoaa-1757	409	7	training	training	NOUN
ajoaa-1757	409	8	on	on	ADP
ajoaa-1757	409	9	microfinance	microfinance	NOUN
ajoaa-1757	409	10	clients	client	NOUN
ajoaa-1757	409	11	and	and	CCONJ
ajoaa-1757	409	12	institutions	institution	NOUN
ajoaa-1757	409	13	.	.	PUNCT
ajoaa-1757	410	1	review	review	NOUN
ajoaa-1757	410	2	of	of	ADP
ajoaa-1757	410	3	economics	economic	NOUN
ajoaa-1757	410	4	and	and	CCONJ
ajoaa-1757	410	5	statistics	statistic	NOUN
ajoaa-1757	410	6	,	,	PUNCT
ajoaa-1757	410	7	93(2	93(2	NOUN
ajoaa-1757	410	8	)	)	PUNCT
ajoaa-1757	410	9	,	,	PUNCT
ajoaa-1757	410	10	510	510	NUM
ajoaa-1757	410	11	-	-	SYM
ajoaa-1757	410	12	527	527	NUM
ajoaa-1757	410	13	.	.	PUNCT
ajoaa-1757	411	1	view	view	NOUN
ajoaa-1757	411	2	at	at	ADP
ajoaa-1757	411	3	google	google	PROPN
ajoaa-1757	411	4	scholar	scholar	NOUN
ajoaa-1757	411	5	/	/	SYM
ajoaa-1757	411	6	view	view	NOUN
ajoaa-1757	411	7	at	at	ADP
ajoaa-1757	411	8	publisher	publisher	NOUN
ajoaa-1757	411	9	khandker	khandker	NOUN
ajoaa-1757	411	10	,	,	PUNCT
ajoaa-1757	411	11	s.	s.	PROPN
ajoaa-1757	411	12	r.	r.	PROPN
ajoaa-1757	411	13	(	(	PUNCT
ajoaa-1757	411	14	2005	2005	NUM
ajoaa-1757	411	15	)	)	PUNCT
ajoaa-1757	411	16	.	.	PUNCT
ajoaa-1757	412	1	microfinance	microfinance	NOUN
ajoaa-1757	412	2	and	and	CCONJ
ajoaa-1757	412	3	poverty	poverty	NOUN
ajoaa-1757	412	4	:	:	PUNCT
ajoaa-1757	412	5	data	datum	NOUN
ajoaa-1757	412	6	from	from	ADP
ajoaa-1757	412	7	bangladesh	bangladesh	PROPN
ajoaa-1757	412	8	.	.	PUNCT
ajoaa-1757	413	1	the	the	DET
ajoaa-1757	413	2	world	world	PROPN
ajoaa-1757	413	3	bank	bank	PROPN
ajoaa-1757	413	4	economic	economic	PROPN
ajoaa-1757	413	5	review	review	PROPN
ajoaa-1757	413	6	,	,	PUNCT
ajoaa-1757	413	7	19(2	19(2	NUM
ajoaa-1757	413	8	)	)	PUNCT
ajoaa-1757	413	9	,	,	PUNCT
ajoaa-1757	413	10	263	263	NUM
ajoaa-1757	413	11	-	-	SYM
ajoaa-1757	413	12	292	292	NUM
ajoaa-1757	413	13	.	.	PUNCT
ajoaa-1757	414	1	klapper	klapper	PROPN
ajoaa-1757	414	2	,	,	PUNCT
ajoaa-1757	414	3	l.	l.	PROPN
ajoaa-1757	414	4	,	,	PUNCT
ajoaa-1757	414	5	&	&	CCONJ
ajoaa-1757	414	6	dutt	dutt	PROPN
ajoaa-1757	414	7	,	,	PUNCT
ajoaa-1757	414	8	p.	p.	NOUN
ajoaa-1757	414	9	(	(	PUNCT
ajoaa-1757	414	10	2015	2015	NUM
ajoaa-1757	414	11	)	)	PUNCT
ajoaa-1757	414	12	.	.	PUNCT
ajoaa-1757	415	1	digital	digital	ADJ
ajoaa-1757	415	2	financial	financial	ADJ
ajoaa-1757	415	3	solutions	solution	NOUN
ajoaa-1757	415	4	to	to	PART
ajoaa-1757	415	5	advance	advance	VERB
ajoaa-1757	415	6	women	woman	NOUN
ajoaa-1757	415	7	’s	’s	PART
ajoaa-1757	415	8	economic	economic	ADJ
ajoaa-1757	415	9	participation	participation	NOUN
ajoaa-1757	415	10	.	.	PUNCT
ajoaa-1757	416	1	washington	washington	PROPN
ajoaa-1757	416	2	,	,	PUNCT
ajoaa-1757	416	3	d.c	d.c	PROPN
ajoaa-1757	416	4	.	.	PUNCT
ajoaa-1757	416	5	:	:	PUNCT
ajoaa-1757	416	6	world	world	PROPN
ajoaa-1757	416	7	bank	bank	PROPN
ajoaa-1757	416	8	.	.	PUNCT
ajoaa-1757	417	1	view	view	NOUN
ajoaa-1757	417	2	at	at	ADP
ajoaa-1757	417	3	google	google	PROPN
ajoaa-1757	417	4	scholar	scholar	PROPN
ajoaa-1757	417	5	kumar	kumar	PROPN
ajoaa-1757	417	6	,	,	PUNCT
ajoaa-1757	417	7	d.	d.	PROPN
ajoaa-1757	417	8	,	,	PUNCT
ajoaa-1757	417	9	hossain	hossain	PROPN
ajoaa-1757	417	10	,	,	PUNCT
ajoaa-1757	417	11	a.	a.	PROPN
ajoaa-1757	417	12	,	,	PUNCT
ajoaa-1757	417	13	&	&	CCONJ
ajoaa-1757	417	14	gope	gope	PROPN
ajoaa-1757	417	15	,	,	PUNCT
ajoaa-1757	417	16	m.c	m.c	PROPN
ajoaa-1757	417	17	.	.	PROPN
ajoaa-1757	418	1	(	(	PUNCT
ajoaa-1757	418	2	2013	2013	NUM
ajoaa-1757	418	3	)	)	PUNCT
ajoaa-1757	418	4	.	.	PUNCT
ajoaa-1757	419	1	role	role	NOUN
ajoaa-1757	419	2	of	of	ADP
ajoaa-1757	419	3	micro	micro	ADJ
ajoaa-1757	419	4	credit	credit	NOUN
ajoaa-1757	419	5	program	program	NOUN
ajoaa-1757	419	6	in	in	ADP
ajoaa-1757	419	7	empowering	empower	VERB
ajoaa-1757	419	8	rural	rural	ADJ
ajoaa-1757	419	9	women	woman	NOUN
ajoaa-1757	419	10	in	in	ADP
ajoaa-1757	419	11	bangladesh	bangladesh	NOUN
ajoaa-1757	419	12	:	:	PUNCT
ajoaa-1757	419	13	a	a	DET
ajoaa-1757	419	14	study	study	NOUN
ajoaa-1757	419	15	on	on	ADP
ajoaa-1757	419	16	grameen	grameen	PROPN
ajoaa-1757	419	17	bank	bank	PROPN
ajoaa-1757	419	18	bangladesh	bangladesh	PROPN
ajoaa-1757	419	19	limited	limit	VERB
ajoaa-1757	419	20	.	.	PUNCT
ajoaa-1757	420	1	asian	asian	ADJ
ajoaa-1757	420	2	business	business	PROPN
ajoaa-1757	420	3	review	review	PROPN
ajoaa-1757	420	4	,	,	PUNCT
ajoaa-1757	420	5	3(4	3(4	NUM
ajoaa-1757	420	6	)	)	PUNCT
ajoaa-1757	420	7	,	,	PUNCT
ajoaa-1757	420	8	114	114	NUM
ajoaa-1757	420	9	-	-	SYM
ajoaa-1757	420	10	120	120	NUM
ajoaa-1757	420	11	.	.	PUNCT
ajoaa-1757	421	1	view	view	NOUN
ajoaa-1757	421	2	at	at	ADP
ajoaa-1757	421	3	google	google	PROPN
ajoaa-1757	421	4	scholar	scholar	NOUN
ajoaa-1757	421	5	/	/	SYM
ajoaa-1757	421	6	view	view	NOUN
ajoaa-1757	421	7	at	at	ADP
ajoaa-1757	421	8	publisher	publisher	NOUN
ajoaa-1757	421	9	ledgerwood	ledgerwood	PROPN
ajoaa-1757	421	10	,	,	PUNCT
ajoaa-1757	421	11	j.	j.	PROPN
ajoaa-1757	421	12	(	(	PUNCT
ajoaa-1757	421	13	1999	1999	NUM
ajoaa-1757	421	14	)	)	PUNCT
ajoaa-1757	421	15	.	.	PUNCT
ajoaa-1757	422	1	microfinance	microfinance	NOUN
ajoaa-1757	422	2	handbook	handbook	PROPN
ajoaa-1757	422	3	:	:	PUNCT
ajoaa-1757	422	4	an	an	DET
ajoaa-1757	422	5	institutional	institutional	ADJ
ajoaa-1757	422	6	and	and	CCONJ
ajoaa-1757	422	7	financial	financial	ADJ
ajoaa-1757	422	8	perspective	perspective	NOUN
ajoaa-1757	422	9	.	.	PUNCT
ajoaa-1757	423	1	washington	washington	PROPN
ajoaa-1757	423	2	d.c	d.c	PROPN
ajoaa-1757	423	3	.	.	PUNCT
ajoaa-1757	424	1	the	the	DET
ajoaa-1757	424	2	world	world	PROPN
ajoaa-1757	424	3	bank	bank	PROPN
ajoaa-1757	424	4	.	.	PUNCT
ajoaa-1757	425	1	view	view	NOUN
ajoaa-1757	425	2	at	at	ADP
ajoaa-1757	425	3	google	google	PROPN
ajoaa-1757	425	4	scholar	scholar	PROPN
ajoaa-1757	425	5	littlefield	littlefield	PROPN
ajoaa-1757	425	6	,	,	PUNCT
ajoaa-1757	425	7	e.	e.	PROPN
ajoaa-1757	425	8	,	,	PUNCT
ajoaa-1757	425	9	morduch	morduch	PROPN
ajoaa-1757	425	10	,	,	PUNCT
ajoaa-1757	425	11	j.	j.	PROPN
ajoaa-1757	425	12	,	,	PUNCT
ajoaa-1757	425	13	&	&	CCONJ
ajoaa-1757	425	14	hashemi	hashemi	PROPN
ajoaa-1757	425	15	,	,	PUNCT
ajoaa-1757	425	16	s.	s.	PROPN
ajoaa-1757	425	17	(	(	PUNCT
ajoaa-1757	425	18	2003	2003	NUM
ajoaa-1757	425	19	)	)	PUNCT
ajoaa-1757	425	20	.	.	PUNCT
ajoaa-1757	426	1	is	be	AUX
ajoaa-1757	426	2	microfinance	microfinance	VERB
ajoaa-1757	426	3	an	an	DET
ajoaa-1757	426	4	effective	effective	ADJ
ajoaa-1757	426	5	strategy	strategy	NOUN
ajoaa-1757	426	6	to	to	PART
ajoaa-1757	426	7	reach	reach	VERB
ajoaa-1757	426	8	the	the	DET
ajoaa-1757	426	9	millennium	millennium	NOUN
ajoaa-1757	426	10	development	development	NOUN
ajoaa-1757	426	11	goals	goal	NOUN
ajoaa-1757	426	12	?	?	PUNCT
ajoaa-1757	427	1	focus	focus	NOUN
ajoaa-1757	427	2	note	note	PROPN
ajoaa-1757	427	3	series	series	PROPN
ajoaa-1757	427	4	no	no	INTJ
ajoaa-1757	427	5	.	.	PROPN
ajoaa-1757	427	6	24	24	NUM
ajoaa-1757	427	7	.	.	PUNCT
ajoaa-1757	428	1	washington	washington	PROPN
ajoaa-1757	428	2	d.	d.	PROPN
ajoaa-1757	428	3	c	c	PROPN
ajoaa-1757	428	4	:	:	PUNCT
ajoaa-1757	428	5	cgap	cgap	PROPN
ajoaa-1757	428	6	.	.	PUNCT
ajoaa-1757	429	1	view	view	NOUN
ajoaa-1757	429	2	at	at	ADP
ajoaa-1757	429	3	google	google	PROPN
ajoaa-1757	429	4	scholar	scholar	PROPN
ajoaa-1757	429	5	mason	mason	PROPN
ajoaa-1757	429	6	,	,	PUNCT
ajoaa-1757	429	7	d.	d.	PROPN
ajoaa-1757	429	8	r.	r.	PROPN
ajoaa-1757	429	9	(	(	PUNCT
ajoaa-1757	429	10	2014	2014	NUM
ajoaa-1757	429	11	)	)	PUNCT
ajoaa-1757	429	12	.	.	PUNCT
ajoaa-1757	430	1	who	who	PRON
ajoaa-1757	430	2	gets	get	VERB
ajoaa-1757	430	3	what	what	PRON
ajoaa-1757	430	4	?	?	PUNCT
ajoaa-1757	431	1	determinants	determinant	NOUN
ajoaa-1757	431	2	of	of	ADP
ajoaa-1757	431	3	loan	loan	NOUN
ajoaa-1757	431	4	size	size	NOUN
ajoaa-1757	431	5	and	and	CCONJ
ajoaa-1757	431	6	credit	credit	NOUN
ajoaa-1757	431	7	rationing	ration	VERB
ajoaa-1757	431	8	among	among	ADP
ajoaa-1757	431	9	microcredit	microcredit	NOUN
ajoaa-1757	431	10	borrowers	borrower	NOUN
ajoaa-1757	431	11	:	:	PUNCT
ajoaa-1757	431	12	evidence	evidence	NOUN
ajoaa-1757	431	13	from	from	ADP
ajoaa-1757	431	14	nicaragua	nicaragua	PROPN
ajoaa-1757	431	15	.	.	PUNCT
ajoaa-1757	432	1	journal	journal	PROPN
ajoaa-1757	432	2	of	of	ADP
ajoaa-1757	432	3	international	international	PROPN
ajoaa-1757	432	4	development	development	NOUN
ajoaa-1757	432	5	,	,	PUNCT
ajoaa-1757	432	6	26(1	26(1	NUM
ajoaa-1757	432	7	)	)	PUNCT
ajoaa-1757	432	8	,	,	PUNCT
ajoaa-1757	432	9	77	77	NUM
ajoaa-1757	432	10	-	-	SYM
ajoaa-1757	432	11	90	90	NUM
ajoaa-1757	432	12	.	.	PUNCT
ajoaa-1757	433	1	view	view	NOUN
ajoaa-1757	433	2	at	at	ADP
ajoaa-1757	433	3	google	google	PROPN
ajoaa-1757	433	4	scholar	scholar	NOUN
ajoaa-1757	433	5	/	/	SYM
ajoaa-1757	433	6	view	view	NOUN
ajoaa-1757	433	7	at	at	ADP
ajoaa-1757	433	8	publisher	publisher	NOUN
ajoaa-1757	433	9	mersland	mersland	PROPN
ajoaa-1757	433	10	,	,	PUNCT
ajoaa-1757	433	11	r.	r.	PROPN
ajoaa-1757	433	12	,	,	PUNCT
ajoaa-1757	433	13	&	&	CCONJ
ajoaa-1757	433	14	strom	strom	PROPN
ajoaa-1757	433	15	,	,	PUNCT
ajoaa-1757	433	16	r.	r.	PROPN
ajoaa-1757	433	17	o.	o.	PROPN
ajoaa-1757	433	18	(	(	PUNCT
ajoaa-1757	433	19	2011	2011	NUM
ajoaa-1757	433	20	)	)	PUNCT
ajoaa-1757	433	21	.	.	PUNCT
ajoaa-1757	434	1	the	the	DET
ajoaa-1757	434	2	empirics	empiric	NOUN
ajoaa-1757	434	3	of	of	ADP
ajoaa-1757	434	4	microfinance	microfinance	NOUN
ajoaa-1757	434	5	lending	lending	NOUN
ajoaa-1757	434	6	methodologies	methodology	NOUN
ajoaa-1757	434	7	.	.	PUNCT
ajoaa-1757	435	1	kristiansand	kristiansand	PROPN
ajoaa-1757	435	2	,	,	PUNCT
ajoaa-1757	435	3	norway	norway	PROPN
ajoaa-1757	435	4	:	:	PUNCT
ajoaa-1757	435	5	university	university	NOUN
ajoaa-1757	435	6	of	of	ADP
ajoaa-1757	435	7	agder	agder	NOUN
ajoaa-1757	435	8	.	.	PUNCT
ajoaa-1757	436	1	view	view	NOUN
ajoaa-1757	436	2	at	at	ADP
ajoaa-1757	436	3	google	google	PROPN
ajoaa-1757	436	4	scholar	scholar	PROPN
ajoaa-1757	436	5	neff	neff	PROPN
ajoaa-1757	436	6	,	,	PUNCT
ajoaa-1757	436	7	g.	g.	PROPN
ajoaa-1757	436	8	(	(	PUNCT
ajoaa-1757	436	9	2009	2009	NUM
ajoaa-1757	436	10	)	)	PUNCT
ajoaa-1757	436	11	.	.	PUNCT
ajoaa-1757	437	1	micro	micro	ADJ
ajoaa-1757	437	2	credit	credit	NOUN
ajoaa-1757	437	3	,	,	PUNCT
ajoaa-1757	437	4	myth	myth	NOUN
ajoaa-1757	437	5	manufactured	manufacture	VERB
ajoaa-1757	437	6	.	.	PUNCT
ajoaa-1757	438	1	new	new	PROPN
ajoaa-1757	438	2	york	york	PROPN
ajoaa-1757	438	3	,	,	PUNCT
ajoaa-1757	438	4	usa	usa	PROPN
ajoaa-1757	438	5	.	.	PROPN
ajoaa-1757	438	6	oladeebo	oladeebo	PROPN
ajoaa-1757	438	7	,	,	PUNCT
ajoaa-1757	438	8	j.	j.	PROPN
ajoaa-1757	438	9	o.	o.	PROPN
ajoaa-1757	438	10	,	,	PUNCT
ajoaa-1757	438	11	&	&	CCONJ
ajoaa-1757	438	12	oladeebo	oladeebo	NOUN
ajoaa-1757	438	13	,	,	PUNCT
ajoaa-1757	438	14	o.	o.	PROPN
ajoaa-1757	438	15	e.	e.	PROPN
ajoaa-1757	438	16	(	(	PUNCT
ajoaa-1757	438	17	2008	2008	NUM
ajoaa-1757	438	18	)	)	PUNCT
ajoaa-1757	438	19	.	.	PUNCT
ajoaa-1757	439	1	determinants	determinant	NOUN
ajoaa-1757	439	2	of	of	ADP
ajoaa-1757	439	3	loan	loan	NOUN
ajoaa-1757	439	4	repayment	repayment	NOUN
ajoaa-1757	439	5	among	among	ADP
ajoaa-1757	439	6	smallholder	smallholder	NOUN
ajoaa-1757	439	7	farmers	farmer	NOUN
ajoaa-1757	439	8	in	in	ADP
ajoaa-1757	439	9	ogbomoso	ogbomoso	ADJ
ajoaa-1757	439	10	agricultural	agricultural	ADJ
ajoaa-1757	439	11	zone	zone	NOUN
ajoaa-1757	439	12	of	of	ADP
ajoaa-1757	439	13	oyo	oyo	NOUN
ajoaa-1757	439	14	state	state	NOUN
ajoaa-1757	439	15	,	,	PUNCT
ajoaa-1757	439	16	nigeria	nigeria	PROPN
ajoaa-1757	439	17	.	.	PUNCT
ajoaa-1757	440	1	journal	journal	PROPN
ajoaa-1757	440	2	of	of	ADP
ajoaa-1757	440	3	social	social	ADJ
ajoaa-1757	440	4	science	science	NOUN
ajoaa-1757	440	5	,	,	PUNCT
ajoaa-1757	440	6	17(1	17(1	NUM
ajoaa-1757	440	7	)	)	PUNCT
ajoaa-1757	440	8	,	,	PUNCT
ajoaa-1757	440	9	59	59	NUM
ajoaa-1757	440	10	-	-	SYM
ajoaa-1757	440	11	62	62	NUM
ajoaa-1757	440	12	.	.	PUNCT
ajoaa-1757	441	1	view	view	NOUN
ajoaa-1757	441	2	at	at	ADP
ajoaa-1757	441	3	google	google	PROPN
ajoaa-1757	441	4	scholar	scholar	NOUN
ajoaa-1757	441	5	/	/	SYM
ajoaa-1757	441	6	view	view	NOUN
ajoaa-1757	441	7	at	at	ADP
ajoaa-1757	441	8	publisher	publisher	NOUN
ajoaa-1757	441	9	oliver	oliver	PROPN
ajoaa-1757	441	10	,	,	PUNCT
ajoaa-1757	441	11	j.	j.	PROPN
ajoaa-1757	441	12	,	,	PUNCT
ajoaa-1757	441	13	karlan	karlan	PROPN
ajoaa-1757	441	14	,	,	PUNCT
ajoaa-1757	441	15	d.	d.	PROPN
ajoaa-1757	441	16	s.	s.	PROPN
ajoaa-1757	441	17	,	,	PUNCT
ajoaa-1757	441	18	&	&	CCONJ
ajoaa-1757	441	19	kutsoati	kutsoati	PROPN
ajoaa-1757	441	20	,	,	PUNCT
ajoaa-1757	441	21	e.	e.	PROPN
ajoaa-1757	441	22	(	(	PUNCT
ajoaa-1757	441	23	2007	2007	NUM
ajoaa-1757	441	24	)	)	PUNCT
ajoaa-1757	441	25	.	.	PUNCT
ajoaa-1757	442	1	examining	examine	VERB
ajoaa-1757	442	2	interest	interest	NOUN
ajoaa-1757	442	3	rate	rate	NOUN
ajoaa-1757	442	4	sensitivities	sensitivity	NOUN
ajoaa-1757	442	5	among	among	ADP
ajoaa-1757	442	6	microfinance	microfinance	NOUN
ajoaa-1757	442	7	loan	loan	NOUN
ajoaa-1757	442	8	clients	client	NOUN
ajoaa-1757	442	9	in	in	ADP
ajoaa-1757	442	10	ghana	ghana	PROPN
ajoaa-1757	442	11	:	:	PUNCT
ajoaa-1757	442	12	preliminary	preliminary	ADJ
ajoaa-1757	442	13	results	result	NOUN
ajoaa-1757	442	14	.	.	PUNCT
ajoaa-1757	443	1	retrieved	retrieve	VERB
ajoaa-1757	443	2	9th	9th	PROPN
ajoaa-1757	443	3	sept	sept	PROPN
ajoaa-1757	443	4	.	.	PROPN
ajoaa-1757	443	5	,	,	PUNCT
ajoaa-1757	443	6	2018	2018	NUM
ajoaa-1757	443	7	from	from	ADP
ajoaa-1757	443	8	www.uccmicrofinance.net/2008docs/day1/mfinterestrate.doc	www.uccmicrofinance.net/2008docs/day1/mfinterestrate.doc	PROPN
ajoaa-1757	443	9	.	.	PUNCT
ajoaa-1757	443	10	papias	papias	PROPN
ajoaa-1757	443	11	,	,	PUNCT
ajoaa-1757	443	12	m.	m.	NOUN
ajoaa-1757	443	13	m.	m.	NOUN
ajoaa-1757	443	14	,	,	PUNCT
ajoaa-1757	443	15	&	&	CCONJ
ajoaa-1757	443	16	ganesan	ganesan	PROPN
ajoaa-1757	443	17	,	,	PUNCT
ajoaa-1757	443	18	p.	p.	NOUN
ajoaa-1757	443	19	(	(	PUNCT
ajoaa-1757	443	20	2009	2009	NUM
ajoaa-1757	443	21	)	)	PUNCT
ajoaa-1757	443	22	.	.	PUNCT
ajoaa-1757	444	1	repayment	repayment	NOUN
ajoaa-1757	444	2	behaviour	behaviour	NOUN
ajoaa-1757	444	3	in	in	ADP
ajoaa-1757	444	4	credit	credit	NOUN
ajoaa-1757	444	5	and	and	CCONJ
ajoaa-1757	444	6	savings	saving	NOUN
ajoaa-1757	444	7	cooperative	cooperative	ADJ
ajoaa-1757	444	8	societies	society	NOUN
ajoaa-1757	444	9	:	:	PUNCT
ajoaa-1757	444	10	empirical	empirical	ADJ
ajoaa-1757	444	11	and	and	CCONJ
ajoaa-1757	444	12	theoretical	theoretical	ADJ
ajoaa-1757	444	13	evidence	evidence	NOUN
ajoaa-1757	444	14	from	from	ADP
ajoaa-1757	444	15	rural	rural	ADJ
ajoaa-1757	444	16	rwanda	rwanda	PROPN
ajoaa-1757	444	17	.	.	PUNCT
ajoaa-1757	445	1	international	international	ADJ
ajoaa-1757	445	2	journal	journal	PROPN
ajoaa-1757	445	3	of	of	ADP
ajoaa-1757	445	4	social	social	ADJ
ajoaa-1757	445	5	economics	economic	NOUN
ajoaa-1757	445	6	,	,	PUNCT
ajoaa-1757	445	7	36(5	36(5	NUM
ajoaa-1757	445	8	)	)	PUNCT
ajoaa-1757	445	9	,	,	PUNCT
ajoaa-1757	445	10	608	608	NUM
ajoaa-1757	445	11	-	-	SYM
ajoaa-1757	445	12	625	625	NUM
ajoaa-1757	445	13	.	.	PUNCT
ajoaa-1757	446	1	view	view	NOUN
ajoaa-1757	446	2	at	at	ADP
ajoaa-1757	446	3	google	google	PROPN
ajoaa-1757	446	4	scholar	scholar	NOUN
ajoaa-1757	446	5	/	/	SYM
ajoaa-1757	446	6	view	view	NOUN
ajoaa-1757	446	7	at	at	ADP
ajoaa-1757	446	8	publisher	publisher	NOUN
ajoaa-1757	446	9	pitt	pitt	PROPN
ajoaa-1757	446	10	,	,	PUNCT
ajoaa-1757	446	11	m.	m.	NOUN
ajoaa-1757	446	12	m.	m.	NOUN
ajoaa-1757	446	13	,	,	PUNCT
ajoaa-1757	446	14	shahidur	shahidur	NOUN
ajoaa-1757	446	15	,	,	PUNCT
ajoaa-1757	446	16	r.	r.	PROPN
ajoaa-1757	446	17	,	,	PUNCT
ajoaa-1757	446	18	khandker	khandker	NOUN
ajoaa-1757	446	19	,	,	PUNCT
ajoaa-1757	446	20	s.	s.	PROPN
ajoaa-1757	446	21	,	,	PUNCT
ajoaa-1757	446	22	&	&	CCONJ
ajoaa-1757	446	23	cartwright	cartwright	PROPN
ajoaa-1757	446	24	,	,	PUNCT
ajoaa-1757	446	25	j.	j.	PROPN
ajoaa-1757	446	26	(	(	PUNCT
ajoaa-1757	446	27	2006	2006	NUM
ajoaa-1757	446	28	)	)	PUNCT
ajoaa-1757	446	29	.	.	PUNCT
ajoaa-1757	447	1	empowering	empower	VERB
ajoaa-1757	447	2	women	woman	NOUN
ajoaa-1757	447	3	with	with	ADP
ajoaa-1757	447	4	microfinance	microfinance	NOUN
ajoaa-1757	447	5	:	:	PUNCT
ajoaa-1757	447	6	evidence	evidence	NOUN
ajoaa-1757	447	7	from	from	ADP
ajoaa-1757	447	8	bangladesh	bangladesh	NOUN
ajoaa-1757	447	9	.	.	PUNCT
ajoaa-1757	448	1	economic	economic	ADJ
ajoaa-1757	448	2	development	development	NOUN
ajoaa-1757	448	3	and	and	CCONJ
ajoaa-1757	448	4	cultural	cultural	ADJ
ajoaa-1757	448	5	change	change	NOUN
ajoaa-1757	448	6	54(4	54(4	NUM
ajoaa-1757	448	7	)	)	PUNCT
ajoaa-1757	448	8	,	,	PUNCT
ajoaa-1757	448	9	791	791	NUM
ajoaa-1757	448	10	-	-	SYM
ajoaa-1757	448	11	831	831	NUM
ajoaa-1757	448	12	.	.	PUNCT
ajoaa-1757	449	1	view	view	NOUN
ajoaa-1757	449	2	at	at	ADP
ajoaa-1757	449	3	google	google	PROPN
ajoaa-1757	449	4	scholar	scholar	PROPN
ajoaa-1757	449	5	pitt	pitt	PROPN
ajoaa-1757	449	6	,	,	PUNCT
ajoaa-1757	449	7	m.	m.	NOUN
ajoaa-1757	449	8	,	,	PUNCT
ajoaa-1757	449	9	khandker	khandker	NOUN
ajoaa-1757	449	10	,	,	PUNCT
ajoaa-1757	449	11	s.	s.	PROPN
ajoaa-1757	449	12	,	,	PUNCT
ajoaa-1757	449	13	choudhury	choudhury	PROPN
ajoaa-1757	449	14	,	,	PUNCT
ajoaa-1757	449	15	o.	o.	PROPN
ajoaa-1757	449	16	,	,	PUNCT
ajoaa-1757	449	17	&	&	CCONJ
ajoaa-1757	449	18	millimet	millimet	PROPN
ajoaa-1757	449	19	,	,	PUNCT
ajoaa-1757	449	20	d.	d.	PROPN
ajoaa-1757	449	21	(	(	PUNCT
ajoaa-1757	449	22	2003	2003	NUM
ajoaa-1757	449	23	)	)	PUNCT
ajoaa-1757	449	24	.	.	PUNCT
ajoaa-1757	450	1	credit	credit	NOUN
ajoaa-1757	450	2	programs	program	NOUN
ajoaa-1757	450	3	for	for	ADP
ajoaa-1757	450	4	the	the	DET
ajoaa-1757	450	5	poor	poor	ADJ
ajoaa-1757	450	6	and	and	CCONJ
ajoaa-1757	450	7	the	the	DET
ajoaa-1757	450	8	health	health	NOUN
ajoaa-1757	450	9	status	status	NOUN
ajoaa-1757	450	10	of	of	ADP
ajoaa-1757	450	11	children	child	NOUN
ajoaa-1757	450	12	in	in	ADP
ajoaa-1757	450	13	rural	rural	ADJ
ajoaa-1757	450	14	bangladesh	bangladesh	NOUN
ajoaa-1757	450	15	.	.	PUNCT
ajoaa-1757	451	1	international	international	ADJ
ajoaa-1757	451	2	economic	economic	PROPN
ajoaa-1757	451	3	review	review	NOUN
ajoaa-1757	451	4	,	,	PUNCT
ajoaa-1757	451	5	44(1	44(1	PROPN
ajoaa-1757	451	6	)	)	PUNCT
ajoaa-1757	451	7	,	,	PUNCT
ajoaa-1757	451	8	87118	87118	NUM
ajoaa-1757	451	9	.	.	PUNCT
ajoaa-1757	452	1	view	view	NOUN
ajoaa-1757	452	2	at	at	ADP
ajoaa-1757	452	3	google	google	PROPN
ajoaa-1757	452	4	scholar	scholar	NOUN
ajoaa-1757	452	5	/	/	SYM
ajoaa-1757	452	6	view	view	NOUN
ajoaa-1757	452	7	at	at	ADP
ajoaa-1757	452	8	publisher	publisher	NOUN
ajoaa-1757	452	9	rodriguez	rodriguez	NOUN
ajoaa-1757	452	10	,	,	PUNCT
ajoaa-1757	452	11	c.	c.	PROPN
ajoaa-1757	452	12	r.	r.	PROPN
ajoaa-1757	452	13	(	(	PUNCT
ajoaa-1757	452	14	1995	1995	NUM
ajoaa-1757	452	15	)	)	PUNCT
ajoaa-1757	452	16	.	.	PUNCT
ajoaa-1757	453	1	women	woman	NOUN
ajoaa-1757	453	2	,	,	PUNCT
ajoaa-1757	453	3	microenterprise	microenterprise	NOUN
ajoaa-1757	453	4	and	and	CCONJ
ajoaa-1757	453	5	politics	politic	NOUN
ajoaa-1757	453	6	of	of	ADP
ajoaa-1757	453	7	self	self	NOUN
ajoaa-1757	453	8	-	-	PUNCT
ajoaa-1757	453	9	help	help	NOUN
ajoaa-1757	453	10	.	.	PUNCT
ajoaa-1757	454	1	garland	garland	PROPN
ajoaa-1757	454	2	publishing	publishing	PROPN
ajoaa-1757	454	3	inc	inc	PROPN
ajoaa-1757	454	4	.	.	PROPN
ajoaa-1757	454	5	new	new	PROPN
ajoaa-1757	454	6	york	york	PROPN
ajoaa-1757	454	7	.	.	PUNCT
ajoaa-1757	455	1	view	view	NOUN
ajoaa-1757	455	2	at	at	ADP
ajoaa-1757	455	3	google	google	PROPN
ajoaa-1757	455	4	scholar	scholar	NOUN
ajoaa-1757	455	5	/	/	SYM
ajoaa-1757	455	6	view	view	NOUN
ajoaa-1757	455	7	at	at	ADP
ajoaa-1757	455	8	publisher	publisher	NOUN
ajoaa-1757	455	9	http://www.aeaweb.org/articles.php?doi=10.1257/app.2.3.60	http://www.aeaweb.org/articles.php?doi=10.1257/app.2.3.60	PROPN
ajoaa-1757	455	10	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=does+microfinance+reduce+poverty+in+bangladesh%3f+new+evidence+from+household+panel+data&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=does+microfinance+reduce+poverty+in+bangladesh%3f+new+evidence+from+household+panel+data&btng=	PROPN
ajoaa-1757	455	11	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=does+microfinance+reduce+poverty+in+bangladesh%3f+new+evidence+from+household+panel+data&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=does+microfinance+reduce+poverty+in+bangladesh%3f+new+evidence+from+household+panel+data&btng=	PROPN
ajoaa-1757	455	12	https://doi.org/10.1080/00220388.2012.661853	https://doi.org/10.1080/00220388.2012.661853	PROPN
ajoaa-1757	455	13	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=moral+hazard%2c+peer+monitoring%2c+and+microcredit%3a+field+experimental+evidence+from+paraguay.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=moral+hazard%2c+peer+monitoring%2c+and+microcredit%3a+field+experimental+evidence+from+paraguay.+&btng=	ADJ
ajoaa-1757	455	14	https://doi.org/10.2139/ssrn.1633930	https://doi.org/10.2139/ssrn.1633930	PROPN
ajoaa-1757	455	15	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+impact+of+credit+on+village+economies&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+impact+of+credit+on+village+economies&btng=	PROPN
ajoaa-1757	455	16	https://doi.org/10.1257/app.4.2.98	https://doi.org/10.1257/app.4.2.98	PROPN
ajoaa-1757	455	17	https://doi.org/10.1257/app.4.2.98	https://doi.org/10.1257/app.4.2.98	PROPN
ajoaa-1757	455	18	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=credit+elasticity+in+less-developed+economies%3a+implications+for+microfinance&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=credit+elasticity+in+less-developed+economies%3a+implications+for+microfinance&btng=	NOUN
ajoaa-1757	455	19	https://doi.org/10.1257/aer.98.3.1040	https://doi.org/10.1257/aer.98.3.1040	PROPN
ajoaa-1757	455	20	https://doi.org/10.1257/aer.98.3.1040	https://doi.org/10.1257/aer.98.3.1040	PROPN
ajoaa-1757	455	21	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=teaching+entrepreneurship%3a+impact+of+business+training+on+microfinance+clients+and+institutions&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=teaching+entrepreneurship%3a+impact+of+business+training+on+microfinance+clients+and+institutions&btng=	PROPN
ajoaa-1757	455	22	https://doi.org/10.1162/rest_a_00074	https://doi.org/10.1162/rest_a_00074	PROPN
ajoaa-1757	455	23	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=digital+financial+solutions+to+advance+women%e2%80%99s+economic+participation&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=digital+financial+solutions+to+advance+women%e2%80%99s+economic+participation&btng=	PROPN
ajoaa-1757	455	24	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=role+of+micro+credit+program+in+empowering+rural+women+in+bangladesh%3a+a+study+on+grameen+bank+bangladesh+limited.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=role+of+micro+credit+program+in+empowering+rural+women+in+bangladesh%3a+a+study+on+grameen+bank+bangladesh+limited.+&btng=	PROPN
ajoaa-1757	455	25	https://doi.org/10.18034/abr.v3i4.287	https://doi.org/10.18034/abr.v3i4.287	PROPN
ajoaa-1757	455	26	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microfinance+handbook%3a+an+institutional+and+financial+perspective&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microfinance+handbook%3a+an+institutional+and+financial+perspective&btng=	PROPN
ajoaa-1757	455	27	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=+is+microfinance+an+effective+strategy+to+reach+the+millennium+development+goals%3f+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=+is+microfinance+an+effective+strategy+to+reach+the+millennium+development+goals%3f+&btng=	PROPN
ajoaa-1757	455	28	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=who+gets+what%3f+determinants+of+loan+size+and+credit+rationing+among+microcredit+borrowers%3a+evidence+from+nicaragua&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=who+gets+what%3f+determinants+of+loan+size+and+credit+rationing+among+microcredit+borrowers%3a+evidence+from+nicaragua&btng=	PROPN
ajoaa-1757	455	29	https://doi.org/10.1002/jid.2899	https://doi.org/10.1002/jid.2899	PROPN
ajoaa-1757	455	30	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+empirics+of+microfinance+lending+methodologies.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+empirics+of+microfinance+lending+methodologies.+&btng=	NOUN
ajoaa-1757	455	31	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=determinants+of+loan+repayment+among+smallholder+farmers+in+ogbomoso+agricultural+zone+of+oyo+state%2c+nigeria&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=determinants+of+loan+repayment+among+smallholder+farmers+in+ogbomoso+agricultural+zone+of+oyo+state%2c+nigeria&btng=	NOUN
ajoaa-1757	455	32	https://doi.org/10.1080/09718923.2008.11892634	https://doi.org/10.1080/09718923.2008.11892634	PROPN
ajoaa-1757	456	1	http://www.uccmicrofinance.net/2008docs/day1/mfinterestrate.doc	http://www.uccmicrofinance.net/2008docs/day1/mfinterestrate.doc	PROPN
ajoaa-1757	456	2	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=repayment+behaviour+in+credit+and+savings+cooperative+societies%3a+empirical+and+theoretical+evidence+from+rural+rwanda&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=repayment+behaviour+in+credit+and+savings+cooperative+societies%3a+empirical+and+theoretical+evidence+from+rural+rwanda&btng=	PROPN
ajoaa-1757	456	3	https://doi.org/10.1108/03068290910954059	https://doi.org/10.1108/03068290910954059	NUM
ajoaa-1757	456	4	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=empowering+women+with+microfinance%3a+evidence+from+bangladesh&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=empowering+women+with+microfinance%3a+evidence+from+bangladesh&btng=	PROPN
ajoaa-1757	456	5	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=credit+programs+for+the+poor+and+the+health+status+of+children+in+rural+bangladesh&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=credit+programs+for+the+poor+and+the+health+status+of+children+in+rural+bangladesh&btng=	PROPN
ajoaa-1757	457	1	https://doi.org/10.1111/1468-2354.t01-1-00063	https://doi.org/10.1111/1468-2354.t01-1-00063	PROPN
ajoaa-1757	457	2	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=women%2c+microenterprise+and+politics+of+self-help&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=women%2c+microenterprise+and+politics+of+self-help&btng=	PROPN
ajoaa-1757	457	3	https://doi.org/10.4324/9781315271934	https://doi.org/10.4324/9781315271934	PROPN
ajoaa-1757	457	4	asian	asian	ADJ
ajoaa-1757	457	5	journal	journal	NOUN
ajoaa-1757	457	6	of	of	ADP
ajoaa-1757	457	7	agriculture	agriculture	NOUN
ajoaa-1757	457	8	and	and	CCONJ
ajoaa-1757	457	9	rural	rural	ADJ
ajoaa-1757	457	10	development	development	NOUN
ajoaa-1757	457	11	,	,	PUNCT
ajoaa-1757	457	12	8(2)2018	8(2)2018	NUM
ajoaa-1757	457	13	:	:	PUNCT
ajoaa-1757	457	14	74	74	NUM
ajoaa-1757	457	15	-	-	SYM
ajoaa-1757	457	16	91	91	NUM
ajoaa-1757	457	17	90	90	NUM
ajoaa-1757	457	18	roodman	roodman	NOUN
ajoaa-1757	457	19	,	,	PUNCT
ajoaa-1757	457	20	d.	d.	PROPN
ajoaa-1757	457	21	(	(	PUNCT
ajoaa-1757	457	22	2012	2012	NUM
ajoaa-1757	457	23	)	)	PUNCT
ajoaa-1757	457	24	.	.	PUNCT
ajoaa-1757	458	1	due	due	ADJ
ajoaa-1757	458	2	diligence	diligence	NOUN
ajoaa-1757	458	3	:	:	PUNCT
ajoaa-1757	458	4	an	an	DET
ajoaa-1757	458	5	impertinent	impertinent	ADJ
ajoaa-1757	458	6	inquiry	inquiry	NOUN
ajoaa-1757	458	7	into	into	ADP
ajoaa-1757	458	8	microfinance	microfinance	NOUN
ajoaa-1757	458	9	.	.	PUNCT
ajoaa-1757	459	1	washington	washington	PROPN
ajoaa-1757	459	2	,	,	PUNCT
ajoaa-1757	459	3	d.c	d.c	PROPN
ajoaa-1757	459	4	.	.	PUNCT
ajoaa-1757	459	5	:	:	PUNCT
ajoaa-1757	459	6	center	center	NOUN
ajoaa-1757	459	7	for	for	ADP
ajoaa-1757	459	8	global	global	ADJ
ajoaa-1757	459	9	development	development	NOUN
ajoaa-1757	459	10	.	.	PUNCT
ajoaa-1757	460	1	view	view	NOUN
ajoaa-1757	460	2	at	at	ADP
ajoaa-1757	460	3	google	google	PROPN
ajoaa-1757	460	4	scholar	scholar	NOUN
ajoaa-1757	460	5	/	/	SYM
ajoaa-1757	460	6	view	view	NOUN
ajoaa-1757	460	7	at	at	ADP
ajoaa-1757	460	8	publisher	publisher	PROPN
ajoaa-1757	460	9	roodman	roodman	PROPN
ajoaa-1757	460	10	,	,	PUNCT
ajoaa-1757	460	11	d.	d.	PROPN
ajoaa-1757	460	12	,	,	PUNCT
ajoaa-1757	460	13	&	&	CCONJ
ajoaa-1757	460	14	uzma	uzma	PROPN
ajoaa-1757	460	15	,	,	PUNCT
ajoaa-1757	460	16	q.	q.	PROPN
ajoaa-1757	460	17	(	(	PUNCT
ajoaa-1757	460	18	2006	2006	NUM
ajoaa-1757	460	19	)	)	PUNCT
ajoaa-1757	460	20	.	.	PUNCT
ajoaa-1757	461	1	microfinance	microfinance	NOUN
ajoaa-1757	461	2	as	as	ADP
ajoaa-1757	461	3	business	business	NOUN
ajoaa-1757	461	4	.	.	PUNCT
ajoaa-1757	462	1	center	center	NOUN
ajoaa-1757	462	2	for	for	ADP
ajoaa-1757	462	3	global	global	ADJ
ajoaa-1757	462	4	development	development	PROPN
ajoaa-1757	462	5	,	,	PUNCT
ajoaa-1757	462	6	washington	washington	PROPN
ajoaa-1757	462	7	,	,	PUNCT
ajoaa-1757	462	8	dc	dc	PROPN
ajoaa-1757	462	9	.	.	PROPN
ajoaa-1757	462	10	view	view	PROPN
ajoaa-1757	462	11	at	at	ADP
ajoaa-1757	462	12	google	google	PROPN
ajoaa-1757	462	13	scholar	scholar	PROPN
ajoaa-1757	462	14	rosenberg	rosenberg	PROPN
ajoaa-1757	462	15	,	,	PUNCT
ajoaa-1757	462	16	r.	r.	PROPN
ajoaa-1757	462	17	,	,	PUNCT
ajoaa-1757	462	18	gonzalez	gonzalez	PROPN
ajoaa-1757	462	19	,	,	PUNCT
ajoaa-1757	462	20	a.	a.	PROPN
ajoaa-1757	462	21	,	,	PUNCT
ajoaa-1757	462	22	&	&	CCONJ
ajoaa-1757	462	23	narain	narain	PROPN
ajoaa-1757	462	24	,	,	PUNCT
ajoaa-1757	462	25	s.	s.	PROPN
ajoaa-1757	462	26	(	(	PUNCT
ajoaa-1757	462	27	2013	2013	NUM
ajoaa-1757	462	28	)	)	PUNCT
ajoaa-1757	462	29	.	.	PUNCT
ajoaa-1757	463	1	the	the	DET
ajoaa-1757	463	2	new	new	ADJ
ajoaa-1757	463	3	moneylenders	moneylender	NOUN
ajoaa-1757	463	4	:	:	PUNCT
ajoaa-1757	463	5	are	be	AUX
ajoaa-1757	463	6	the	the	DET
ajoaa-1757	463	7	poor	poor	ADJ
ajoaa-1757	463	8	being	be	AUX
ajoaa-1757	463	9	exploited	exploit	VERB
ajoaa-1757	463	10	by	by	ADP
ajoaa-1757	463	11	high	high	ADJ
ajoaa-1757	463	12	microcredit	microcredit	NOUN
ajoaa-1757	463	13	interest	interest	NOUN
ajoaa-1757	463	14	rates	rate	NOUN
ajoaa-1757	463	15	?	?	PUNCT
ajoaa-1757	464	1	occasional	occasional	ADJ
ajoaa-1757	464	2	paper	paper	NOUN
ajoaa-1757	464	3	no	no	INTJ
ajoaa-1757	464	4	.	.	PROPN
ajoaa-1757	464	5	15	15	NUM
ajoaa-1757	464	6	.	.	PUNCT
ajoaa-1757	465	1	washington	washington	PROPN
ajoaa-1757	465	2	dc	dc	PROPN
ajoaa-1757	465	3	:	:	PUNCT
ajoaa-1757	465	4	cgap	cgap	PROPN
ajoaa-1757	465	5	.	.	PUNCT
ajoaa-1757	466	1	view	view	NOUN
ajoaa-1757	466	2	at	at	ADP
ajoaa-1757	466	3	google	google	PROPN
ajoaa-1757	466	4	scholar	scholar	NOUN
ajoaa-1757	466	5	/	/	SYM
ajoaa-1757	466	6	view	view	NOUN
ajoaa-1757	466	7	at	at	ADP
ajoaa-1757	466	8	publisher	publisher	NOUN
ajoaa-1757	466	9	roslan	roslan	PROPN
ajoaa-1757	466	10	,	,	PUNCT
ajoaa-1757	466	11	a.	a.	PROPN
ajoaa-1757	466	12	h.	h.	PROPN
ajoaa-1757	466	13	,	,	PUNCT
ajoaa-1757	466	14	&	&	CCONJ
ajoaa-1757	466	15	mohd	mohd	PROPN
ajoaa-1757	466	16	-	-	PUNCT
ajoaa-1757	466	17	zaini	zaini	PROPN
ajoaa-1757	466	18	,	,	PUNCT
ajoaa-1757	466	19	a.	a.	PROPN
ajoaa-1757	466	20	k.	k.	PROPN
ajoaa-1757	466	21	(	(	PUNCT
ajoaa-1757	466	22	2009	2009	NUM
ajoaa-1757	466	23	)	)	PUNCT
ajoaa-1757	466	24	.	.	PUNCT
ajoaa-1757	467	1	determinants	determinant	NOUN
ajoaa-1757	467	2	of	of	ADP
ajoaa-1757	467	3	microcredit	microcredit	NOUN
ajoaa-1757	467	4	repayment	repayment	NOUN
ajoaa-1757	467	5	in	in	ADP
ajoaa-1757	467	6	malaysia	malaysia	PROPN
ajoaa-1757	467	7	:	:	PUNCT
ajoaa-1757	467	8	the	the	DET
ajoaa-1757	467	9	case	case	NOUN
ajoaa-1757	467	10	of	of	ADP
ajoaa-1757	467	11	agrobank	agrobank	NOUN
ajoaa-1757	467	12	.	.	PUNCT
ajoaa-1757	468	1	humanity	humanity	NOUN
ajoaa-1757	468	2	and	and	CCONJ
ajoaa-1757	468	3	social	social	ADJ
ajoaa-1757	468	4	sciences	science	NOUN
ajoaa-1757	468	5	journal	journal	NOUN
ajoaa-1757	468	6	,	,	PUNCT
ajoaa-1757	468	7	4(1	4(1	NOUN
ajoaa-1757	468	8	)	)	PUNCT
ajoaa-1757	468	9	,	,	PUNCT
ajoaa-1757	468	10	45	45	NUM
ajoaa-1757	468	11	-	-	SYM
ajoaa-1757	468	12	52	52	NUM
ajoaa-1757	468	13	.	.	PUNCT
ajoaa-1757	469	1	view	view	NOUN
ajoaa-1757	469	2	at	at	ADP
ajoaa-1757	469	3	google	google	PROPN
ajoaa-1757	469	4	scholar	scholar	PROPN
ajoaa-1757	469	5	tetteh	tetteh	NOUN
ajoaa-1757	469	6	,	,	PUNCT
ajoaa-1757	469	7	e.	e.	PROPN
ajoaa-1757	469	8	k.	k.	PROPN
ajoaa-1757	469	9	(	(	PUNCT
ajoaa-1757	469	10	2017	2017	NUM
ajoaa-1757	469	11	)	)	PUNCT
ajoaa-1757	469	12	.	.	PUNCT
ajoaa-1757	470	1	utilisation	utilisation	NOUN
ajoaa-1757	470	2	of	of	ADP
ajoaa-1757	470	3	microfinance	microfinance	NOUN
ajoaa-1757	470	4	loans	loan	NOUN
ajoaa-1757	470	5	among	among	ADP
ajoaa-1757	470	6	clients	client	NOUN
ajoaa-1757	470	7	of	of	ADP
ajoaa-1757	470	8	upper	upper	ADJ
ajoaa-1757	470	9	manya	manya	PROPN
ajoaa-1757	470	10	krobo	krobo	PROPN
ajoaa-1757	470	11	rural	rural	PROPN
ajoaa-1757	470	12	bank	bank	PROPN
ajoaa-1757	470	13	of	of	ADP
ajoaa-1757	470	14	the	the	DET
ajoaa-1757	470	15	eastern	eastern	ADJ
ajoaa-1757	470	16	region	region	NOUN
ajoaa-1757	470	17	of	of	ADP
ajoaa-1757	470	18	ghana	ghana	PROPN
ajoaa-1757	470	19	.	.	PUNCT
ajoaa-1757	471	1	(	(	PUNCT
ajoaa-1757	471	2	phd	phd	NOUN
ajoaa-1757	471	3	thesis	thesis	NOUN
ajoaa-1757	471	4	submitted	submit	VERB
ajoaa-1757	471	5	to	to	ADP
ajoaa-1757	471	6	the	the	DET
ajoaa-1757	471	7	department	department	NOUN
ajoaa-1757	471	8	of	of	ADP
ajoaa-1757	471	9	geography	geography	NOUN
ajoaa-1757	471	10	and	and	CCONJ
ajoaa-1757	471	11	regional	regional	ADJ
ajoaa-1757	471	12	development	development	NOUN
ajoaa-1757	471	13	of	of	ADP
ajoaa-1757	471	14	the	the	DET
ajoaa-1757	471	15	university	university	PROPN
ajoaa-1757	471	16	of	of	ADP
ajoaa-1757	471	17	cape	cape	PROPN
ajoaa-1757	471	18	coast	coast	NOUN
ajoaa-1757	471	19	,	,	PUNCT
ajoaa-1757	471	20	2017	2017	NUM
ajoaa-1757	471	21	)	)	PUNCT
ajoaa-1757	471	22	.	.	PUNCT
ajoaa-1757	472	1	view	view	NOUN
ajoaa-1757	472	2	at	at	ADP
ajoaa-1757	472	3	google	google	PROPN
ajoaa-1757	472	4	scholar	scholar	PROPN
ajoaa-1757	472	5	tetteh	tetteh	NOUN
ajoaa-1757	472	6	,	,	PUNCT
ajoaa-1757	472	7	e.	e.	PROPN
ajoaa-1757	472	8	k.	k.	PROPN
ajoaa-1757	472	9	,	,	PUNCT
ajoaa-1757	472	10	frempong	frempong	PROPN
ajoaa-1757	472	11	,	,	PUNCT
ajoaa-1757	472	12	g.	g.	PROPN
ajoaa-1757	472	13	,	,	PUNCT
ajoaa-1757	472	14	obirih	obirih	NOUN
ajoaa-1757	472	15	-	-	PUNCT
ajoaa-1757	472	16	opareh	opareh	NOUN
ajoaa-1757	472	17	,	,	PUNCT
ajoaa-1757	472	18	n.	n.	NOUN
ajoaa-1757	472	19	,	,	PUNCT
ajoaa-1757	472	20	&	&	CCONJ
ajoaa-1757	472	21	omari	omari	PROPN
ajoaa-1757	472	22	,	,	PUNCT
ajoaa-1757	472	23	r.	r.	PROPN
ajoaa-1757	472	24	(	(	PUNCT
ajoaa-1757	472	25	2015	2015	NUM
ajoaa-1757	472	26	)	)	PUNCT
ajoaa-1757	472	27	.	.	PUNCT
ajoaa-1757	473	1	does	do	AUX
ajoaa-1757	473	2	microcredit	microcredit	NOUN
ajoaa-1757	473	3	create	create	VERB
ajoaa-1757	473	4	employment	employment	NOUN
ajoaa-1757	473	5	for	for	ADP
ajoaa-1757	473	6	the	the	DET
ajoaa-1757	473	7	poor	poor	ADJ
ajoaa-1757	473	8	?	?	PUNCT
ajoaa-1757	474	1	the	the	DET
ajoaa-1757	474	2	case	case	NOUN
ajoaa-1757	474	3	of	of	ADP
ajoaa-1757	474	4	the	the	DET
ajoaa-1757	474	5	microcredit	microcredit	NOUN
ajoaa-1757	474	6	scheme	scheme	NOUN
ajoaa-1757	474	7	of	of	ADP
ajoaa-1757	474	8	upper	upper	ADJ
ajoaa-1757	474	9	manya	manya	PROPN
ajoaa-1757	474	10	krobo	krobo	PROPN
ajoaa-1757	474	11	rural	rural	PROPN
ajoaa-1757	474	12	bank	bank	PROPN
ajoaa-1757	474	13	in	in	ADP
ajoaa-1757	474	14	ghana	ghana	PROPN
ajoaa-1757	474	15	.	.	PUNCT
ajoaa-1757	475	1	business	business	NOUN
ajoaa-1757	475	2	and	and	CCONJ
ajoaa-1757	475	3	economics	economic	NOUN
ajoaa-1757	475	4	journal	journal	NOUN
ajoaa-1757	475	5	,	,	PUNCT
ajoaa-1757	475	6	7(190	7(190	NUM
ajoaa-1757	475	7	)	)	PUNCT
ajoaa-1757	475	8	,	,	PUNCT
ajoaa-1757	475	9	1	1	NUM
ajoaa-1757	475	10	-	-	SYM
ajoaa-1757	475	11	9	9	NUM
ajoaa-1757	475	12	.	.	PUNCT
ajoaa-1757	475	13	view	view	NOUN
ajoaa-1757	475	14	at	at	ADP
ajoaa-1757	475	15	google	google	PROPN
ajoaa-1757	475	16	scholar	scholar	NOUN
ajoaa-1757	475	17	/	/	SYM
ajoaa-1757	475	18	view	view	NOUN
ajoaa-1757	475	19	at	at	ADP
ajoaa-1757	475	20	publisher	publisher	PROPN
ajoaa-1757	475	21	varian	varian	PROPN
ajoaa-1757	475	22	hal	hal	PROPN
ajoaa-1757	475	23	,	,	PUNCT
ajoaa-1757	475	24	r.	r.	PROPN
ajoaa-1757	475	25	(	(	PUNCT
ajoaa-1757	475	26	2010	2010	NUM
ajoaa-1757	475	27	)	)	PUNCT
ajoaa-1757	475	28	.	.	PUNCT
ajoaa-1757	476	1	intermediate	intermediate	ADJ
ajoaa-1757	476	2	microeconomics	microeconomics	PROPN
ajoaa-1757	476	3	:	:	PUNCT
ajoaa-1757	476	4	a	a	DET
ajoaa-1757	476	5	modern	modern	ADJ
ajoaa-1757	476	6	approach	approach	NOUN
ajoaa-1757	476	7	(	(	PUNCT
ajoaa-1757	476	8	8th	8th	ADJ
ajoaa-1757	476	9	ed	ed	NOUN
ajoaa-1757	476	10	.	.	PUNCT
ajoaa-1757	476	11	)	)	PUNCT
ajoaa-1757	476	12	.	.	PUNCT
ajoaa-1757	477	1	w.	w.	PROPN
ajoaa-1757	477	2	w.	w.	PROPN
ajoaa-1757	477	3	norton	norton	PROPN
ajoaa-1757	477	4	and	and	CCONJ
ajoaa-1757	477	5	company	company	PROPN
ajoaa-1757	477	6	,	,	PUNCT
ajoaa-1757	477	7	inc	inc	PROPN
ajoaa-1757	477	8	.	.	PROPN
ajoaa-1757	477	9	,	,	PUNCT
ajoaa-1757	477	10	500	500	NUM
ajoaa-1757	477	11	fifth	fifth	ADJ
ajoaa-1757	477	12	avenue	avenue	PROPN
ajoaa-1757	477	13	,	,	PUNCT
ajoaa-1757	477	14	new	new	PROPN
ajoaa-1757	477	15	york	york	PROPN
ajoaa-1757	477	16	,	,	PUNCT
ajoaa-1757	477	17	ny	ny	PROPN
ajoaa-1757	477	18	,	,	PUNCT
ajoaa-1757	477	19	10110	10110	NUM
ajoaa-1757	477	20	.	.	PUNCT
ajoaa-1757	478	1	view	view	NOUN
ajoaa-1757	478	2	at	at	ADP
ajoaa-1757	478	3	google	google	PROPN
ajoaa-1757	478	4	scholar	scholar	PROPN
ajoaa-1757	478	5	waterfield	waterfield	PROPN
ajoaa-1757	478	6	,	,	PUNCT
ajoaa-1757	478	7	c.	c.	PROPN
ajoaa-1757	478	8	(	(	PUNCT
ajoaa-1757	478	9	2012	2012	NUM
ajoaa-1757	478	10	)	)	PUNCT
ajoaa-1757	478	11	.	.	PUNCT
ajoaa-1757	479	1	growth	growth	NOUN
ajoaa-1757	479	2	,	,	PUNCT
ajoaa-1757	479	3	profitability	profitability	NOUN
ajoaa-1757	479	4	,	,	PUNCT
ajoaa-1757	479	5	and	and	CCONJ
ajoaa-1757	479	6	compensation	compensation	NOUN
ajoaa-1757	479	7	–	–	PUNCT
ajoaa-1757	479	8	how	how	SCONJ
ajoaa-1757	479	9	much	much	ADJ
ajoaa-1757	479	10	is	be	AUX
ajoaa-1757	479	11	too	too	ADV
ajoaa-1757	479	12	much	much	ADJ
ajoaa-1757	479	13	?	?	PUNCT
ajoaa-1757	480	1	presentation	presentation	NOUN
ajoaa-1757	480	2	for	for	ADP
ajoaa-1757	480	3	the	the	DET
ajoaa-1757	480	4	sptf	sptf	ADJ
ajoaa-1757	480	5	panel	panel	NOUN
ajoaa-1757	480	6	2012	2012	NUM
ajoaa-1757	480	7	in	in	ADP
ajoaa-1757	480	8	jordan	jordan	PROPN
ajoaa-1757	480	9	.	.	PUNCT
ajoaa-1757	481	1	wright	wright	PROPN
ajoaa-1757	481	2	,	,	PUNCT
ajoaa-1757	481	3	g.	g.	PROPN
ajoaa-1757	481	4	a.	a.	PROPN
ajoaa-1757	481	5	n.	n.	PROPN
ajoaa-1757	481	6	(	(	PUNCT
ajoaa-1757	481	7	2010	2010	NUM
ajoaa-1757	481	8	)	)	PUNCT
ajoaa-1757	481	9	.	.	PUNCT
ajoaa-1757	482	1	designing	design	VERB
ajoaa-1757	482	2	savings	saving	NOUN
ajoaa-1757	482	3	and	and	CCONJ
ajoaa-1757	482	4	loan	loan	NOUN
ajoaa-1757	482	5	products	product	NOUN
ajoaa-1757	482	6	.	.	PUNCT
ajoaa-1757	483	1	nairobi	nairobi	PROPN
ajoaa-1757	483	2	:	:	PUNCT
ajoaa-1757	483	3	micro	micro	NOUN
ajoaa-1757	483	4	save	save	NOUN
ajoaa-1757	483	5	.	.	PUNCT
ajoaa-1757	484	1	view	view	NOUN
ajoaa-1757	484	2	at	at	ADP
ajoaa-1757	484	3	google	google	PROPN
ajoaa-1757	484	4	scholar	scholar	PROPN
ajoaa-1757	484	5	yeboah	yeboah	PROPN
ajoaa-1757	484	6	,	,	PUNCT
ajoaa-1757	484	7	e.	e.	PROPN
ajoaa-1757	484	8	h.	h.	PROPN
ajoaa-1757	484	9	(	(	PUNCT
ajoaa-1757	484	10	2010	2010	NUM
ajoaa-1757	484	11	)	)	PUNCT
ajoaa-1757	484	12	.	.	PUNCT
ajoaa-1757	485	1	microfinance	microfinance	NOUN
ajoaa-1757	485	2	in	in	ADP
ajoaa-1757	485	3	rural	rural	ADJ
ajoaa-1757	485	4	ghana	ghana	PROPN
ajoaa-1757	485	5	:	:	PUNCT
ajoaa-1757	485	6	a	a	DET
ajoaa-1757	485	7	view	view	NOUN
ajoaa-1757	485	8	from	from	ADP
ajoaa-1757	485	9	below	below	ADV
ajoaa-1757	485	10	.	.	PUNCT
ajoaa-1757	486	1	(	(	PUNCT
ajoaa-1757	486	2	doctoral	doctoral	ADJ
ajoaa-1757	486	3	thesis	thesis	NOUN
ajoaa-1757	486	4	,	,	PUNCT
ajoaa-1757	486	5	university	university	NOUN
ajoaa-1757	486	6	of	of	ADP
ajoaa-1757	486	7	birminghan	birminghan	NOUN
ajoaa-1757	486	8	,	,	PUNCT
ajoaa-1757	486	9	2010	2010	NUM
ajoaa-1757	486	10	)	)	PUNCT
ajoaa-1757	486	11	.	.	PUNCT
ajoaa-1757	487	1	available	available	ADJ
ajoaa-1757	487	2	on	on	ADP
ajoaa-1757	487	3	www.etheses.bham.ac.uk	www.etheses.bham.ac.uk	PROPN
ajoaa-1757	487	4	.	.	PUNCT
ajoaa-1757	488	1	yunus	yunus	PROPN
ajoaa-1757	488	2	,	,	PUNCT
ajoaa-1757	488	3	m.	m.	NOUN
ajoaa-1757	488	4	(	(	PUNCT
ajoaa-1757	488	5	1995	1995	NUM
ajoaa-1757	488	6	)	)	PUNCT
ajoaa-1757	488	7	.	.	PUNCT
ajoaa-1757	489	1	the	the	DET
ajoaa-1757	489	2	value	value	NOUN
ajoaa-1757	489	3	of	of	ADP
ajoaa-1757	489	4	microenterprise	microenterprise	NOUN
ajoaa-1757	489	5	development	development	NOUN
ajoaa-1757	489	6	.	.	PUNCT
ajoaa-1757	490	1	statement	statement	NOUN
ajoaa-1757	490	2	and	and	CCONJ
ajoaa-1757	490	3	hearing	hearing	NOUN
ajoaa-1757	490	4	before	before	ADP
ajoaa-1757	490	5	the	the	DET
ajoaa-1757	490	6	u.s	u.s	PROPN
ajoaa-1757	490	7	.	.	PROPN
ajoaa-1757	490	8	committee	committee	PROPN
ajoaa-1757	490	9	on	on	ADP
ajoaa-1757	490	10	international	international	ADJ
ajoaa-1757	490	11	relations	relation	NOUN
ajoaa-1757	490	12	,	,	PUNCT
ajoaa-1757	490	13	house	house	NOUN
ajoaa-1757	490	14	of	of	ADP
ajoaa-1757	490	15	representatives	representatives	PROPN
ajoaa-1757	490	16	,	,	PUNCT
ajoaa-1757	490	17	one	one	NUM
ajoaa-1757	490	18	hundred	hundred	NUM
ajoaa-1757	490	19	fourth	fourth	ADJ
ajoaa-1757	490	20	congress	congress	NOUN
ajoaa-1757	490	21	.	.	PUNCT
ajoaa-1757	491	1	first	first	ADJ
ajoaa-1757	491	2	session	session	NOUN
ajoaa-1757	491	3	,	,	PUNCT
ajoaa-1757	491	4	june	june	PROPN
ajoaa-1757	491	5	27	27	NUM
ajoaa-1757	491	6	,	,	PUNCT
ajoaa-1757	491	7	1995	1995	NUM
ajoaa-1757	491	8	:	:	PUNCT
ajoaa-1757	491	9	u.s	u.s	PROPN
ajoaa-1757	491	10	.	.	PROPN
ajoaa-1757	491	11	government	government	NOUN
ajoaa-1757	491	12	printing	printing	NOUN
ajoaa-1757	491	13	office	office	NOUN
ajoaa-1757	491	14	,	,	PUNCT
ajoaa-1757	491	15	washington	washington	PROPN
ajoaa-1757	491	16	d.c	d.c	PROPN
ajoaa-1757	491	17	.	.	PROPN
ajoaa-1757	491	18	view	view	PROPN
ajoaa-1757	491	19	at	at	ADP
ajoaa-1757	491	20	google	google	PROPN
ajoaa-1757	491	21	scholar	scholar	PROPN
ajoaa-1757	491	22	yunus	yunus	PROPN
ajoaa-1757	491	23	,	,	PUNCT
ajoaa-1757	491	24	m.	m.	NOUN
ajoaa-1757	491	25	,	,	PUNCT
ajoaa-1757	491	26	&	&	CCONJ
ajoaa-1757	491	27	weber	weber	PROPN
ajoaa-1757	491	28	,	,	PUNCT
ajoaa-1757	491	29	k.	k.	PROPN
ajoaa-1757	491	30	(	(	PUNCT
ajoaa-1757	491	31	2007	2007	NUM
ajoaa-1757	491	32	)	)	PUNCT
ajoaa-1757	491	33	.	.	PUNCT
ajoaa-1757	492	1	creating	create	VERB
ajoaa-1757	492	2	a	a	DET
ajoaa-1757	492	3	world	world	NOUN
ajoaa-1757	492	4	without	without	ADP
ajoaa-1757	492	5	poverty	poverty	NOUN
ajoaa-1757	492	6	:	:	PUNCT
ajoaa-1757	492	7	social	social	ADJ
ajoaa-1757	492	8	business	business	NOUN
ajoaa-1757	492	9	and	and	CCONJ
ajoaa-1757	492	10	the	the	DET
ajoaa-1757	492	11	future	future	NOUN
ajoaa-1757	492	12	of	of	ADP
ajoaa-1757	492	13	capitalism	capitalism	NOUN
ajoaa-1757	492	14	.	.	PUNCT
ajoaa-1757	493	1	public	public	ADJ
ajoaa-1757	493	2	affairs	affair	NOUN
ajoaa-1757	493	3	,	,	PUNCT
ajoaa-1757	493	4	new	new	PROPN
ajoaa-1757	493	5	york	york	PROPN
ajoaa-1757	493	6	.	.	PUNCT
ajoaa-1757	494	1	view	view	NOUN
ajoaa-1757	494	2	at	at	ADP
ajoaa-1757	494	3	google	google	PROPN
ajoaa-1757	494	4	scholar	scholar	NOUN
ajoaa-1757	494	5	/	/	SYM
ajoaa-1757	494	6	view	view	NOUN
ajoaa-1757	494	7	at	at	ADP
ajoaa-1757	494	8	publisher	publisher	NOUN
ajoaa-1757	494	9	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=due+diligence%3a+an+impertinent+inquiry+into+microfinance.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=due+diligence%3a+an+impertinent+inquiry+into+microfinance.+&btng=	NOUN
ajoaa-1757	494	10	https://doi.org/10.1080/10402659.2017.1272345	https://doi.org/10.1080/10402659.2017.1272345	X
ajoaa-1757	494	11	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microfinance+as+business.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=microfinance+as+business.+&btng=	NOUN
ajoaa-1757	494	12	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+new+moneylenders%3a+are+the+poor+being+exploited+by+high+microcredit+interest+rates%3f+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+new+moneylenders%3a+are+the+poor+being+exploited+by+high+microcredit+interest+rates%3f+&btng=	PROPN
ajoaa-1757	494	13	https://doi.org/10.1108/s1569-3759(2009)0000092008	https://doi.org/10.1108/s1569-3759(2009)0000092008	PROPN
ajoaa-1757	494	14	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=determinants+of+microcredit+repayment+in+malaysia%3a+the+case+of+agrobank&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=determinants+of+microcredit+repayment+in+malaysia%3a+the+case+of+agrobank&btng=	PROPN
ajoaa-1757	494	15	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=determinants+of+microcredit+repayment+in+malaysia%3a+the+case+of+agrobank&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=determinants+of+microcredit+repayment+in+malaysia%3a+the+case+of+agrobank&btng=	PROPN
ajoaa-1757	494	16	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=utilisation+of+microfinance+loans+among+clients+of+upper+manya+krobo+rural+bank+of+the+eastern+region+of+ghana&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=utilisation+of+microfinance+loans+among+clients+of+upper+manya+krobo+rural+bank+of+the+eastern+region+of+ghana&btng=	PROPN
ajoaa-1757	494	17	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=utilisation+of+microfinance+loans+among+clients+of+upper+manya+krobo+rural+bank+of+the+eastern+region+of+ghana&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=utilisation+of+microfinance+loans+among+clients+of+upper+manya+krobo+rural+bank+of+the+eastern+region+of+ghana&btng=	PROPN
ajoaa-1757	494	18	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=does+microcredit+create+employment+for+the+poor%3f+the+case+of+the+microcredit+scheme+of+upper+manya+krobo+rural+bank+in+ghana&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=does+microcredit+create+employment+for+the+poor%3f+the+case+of+the+microcredit+scheme+of+upper+manya+krobo+rural+bank+in+ghana&btng=	NOUN
ajoaa-1757	494	19	https://doi.org/10.4172/2151-6219.1000190	https://doi.org/10.4172/2151-6219.1000190	VERB
ajoaa-1757	494	20	https://doi.org/10.4172/2151-6219.1000190	https://doi.org/10.4172/2151-6219.1000190	ADJ
ajoaa-1757	494	21	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=intermediate+microeconomics%3a+a+modern+approach+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=intermediate+microeconomics%3a+a+modern+approach+&btng=	PROPN
ajoaa-1757	494	22	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=designing+savings+and+loan+products.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=designing+savings+and+loan+products.+&btng=	PROPN
ajoaa-1757	494	23	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=designing+savings+and+loan+products.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=designing+savings+and+loan+products.+&btng=	PROPN
ajoaa-1757	494	24	http://www.etheses.bham.ac.uk/	http://www.etheses.bham.ac.uk/	NOUN
ajoaa-1757	494	25	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+value+of+microenterprise+development.+&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=the+value+of+microenterprise+development.+&btng=	PROPN
ajoaa-1757	494	26	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=creating+a+world+without+poverty%3a+social+business+and+the+future+of+capitalism&btng=	https://scholar.google.com.pk/scholar?hl=en&as_sdt=0%2c5&q=creating+a+world+without+poverty%3a+social+business+and+the+future+of+capitalism&btng=	PROPN
ajoaa-1757	494	27	https://doi.org/10.1177/004908570903900209	https://doi.org/10.1177/004908570903900209	CCONJ
ajoaa-1757	494	28	asian	asian	ADJ
ajoaa-1757	494	29	journal	journal	NOUN
ajoaa-1757	494	30	of	of	ADP
ajoaa-1757	494	31	agriculture	agriculture	NOUN
ajoaa-1757	494	32	and	and	CCONJ
ajoaa-1757	494	33	rural	rural	ADJ
ajoaa-1757	494	34	development	development	NOUN
ajoaa-1757	494	35	,	,	PUNCT
ajoaa-1757	494	36	8(2)2018	8(2)2018	NUM
ajoaa-1757	494	37	:	:	PUNCT
ajoaa-1757	494	38	74	74	NUM
ajoaa-1757	494	39	-	-	SYM
ajoaa-1757	494	40	91	91	NUM
ajoaa-1757	494	41	91	91	NUM
ajoaa-1757	494	42	appendix	appendix	NOUN
ajoaa-1757	494	43	logit	logit	PROPN
ajoaa-1757	494	44	model	model	NOUN
ajoaa-1757	494	45	estimation	estimation	NOUN
ajoaa-1757	494	46	of	of	ADP
ajoaa-1757	494	47	determinant	determinant	NOUN
ajoaa-1757	494	48	of	of	ADP
ajoaa-1757	494	49	repayment	repayment	NOUN
ajoaa-1757	494	50	no	no	INTJ
ajoaa-1757	494	51	.	.	PUNCT
ajoaa-1757	495	1	objs	objs	NOUN
ajoaa-1757	495	2	.	.	PUNCT
ajoaa-1757	496	1	=	=	PRON
ajoaa-1757	496	2	224	224	NUM
ajoaa-1757	496	3	wald	wald	X
ajoaa-1757	496	4	chi2(10	chi2(10	PROPN
ajoaa-1757	496	5	)	)	PUNCT
ajoaa-1757	497	1	=	=	PROPN
ajoaa-1757	497	2	46.12	46.12	NUM
ajoaa-1757	497	3	prob	prob	NOUN
ajoaa-1757	497	4	>	>	X
ajoaa-1757	497	5	chi2	chi2	PROPN
ajoaa-1757	497	6	=	=	NOUN
ajoaa-1757	497	7	0.000	0.000	NUM
ajoaa-1757	497	8	log	log	NOUN
ajoaa-1757	497	9	lh	lh	PROPN
ajoaa-1757	497	10	=	=	NOUN
ajoaa-1757	497	11	-38.918	-38.918	NOUN
ajoaa-1757	497	12	pseudo	pseudo	NOUN
ajoaa-1757	497	13	r2	r2	NOUN
ajoaa-1757	497	14	=	=	NOUN
ajoaa-1757	497	15	0.638	0.638	NUM
ajoaa-1757	497	16	variable	variable	ADJ
ajoaa-1757	497	17	coefficient	coefficient	NOUN
ajoaa-1757	497	18	standard	standard	NOUN
ajoaa-1757	497	19	.	.	PUNCT
ajoaa-1757	498	1	error	error	NOUN
ajoaa-1757	498	2	z	z	NOUN
ajoaa-1757	498	3	p>|z|	p>|z|	VERB
ajoaa-1757	498	4	[	[	X
ajoaa-1757	498	5	95	95	NUM
ajoaa-1757	498	6	%	%	NOUN
ajoaa-1757	498	7	conf	conf	NOUN
ajoaa-1757	498	8	.	.	PUNCT
ajoaa-1757	499	1	interval	interval	NOUN
ajoaa-1757	499	2	]	]	PUNCT
ajoaa-1757	500	1	education	education	NOUN
ajoaa-1757	500	2	0.3414	0.3414	NUM
ajoaa-1757	500	3	0.7314	0.7314	NUM
ajoaa-1757	500	4	2.23	2.23	NUM
ajoaa-1757	500	5	0.642	0.642	NUM
ajoaa-1757	500	6	0.4354	0.4354	NUM
ajoaa-1757	500	7	-0.0042	-0.0042	NOUN
ajoaa-1757	500	8	age	age	NOUN
ajoaa-1757	500	9	0.0474	0.0474	NUM
ajoaa-1757	500	10	0.0331	0.0331	NUM
ajoaa-1757	500	11	1.43	1.43	NUM
ajoaa-1757	500	12	0.083	0.083	NUM
ajoaa-1757	500	13	-0.0019	-0.0019	NOUN
ajoaa-1757	500	14	0.2335	0.2335	NUM
ajoaa-1757	500	15	gender	gender	NOUN
ajoaa-1757	500	16	0.2237	0.2237	NUM
ajoaa-1757	500	17	0.5783	0.5783	NUM
ajoaa-1757	500	18	0.52	0.52	NUM
ajoaa-1757	500	19	0.004	0.004	NUM
ajoaa-1757	500	20	-0.3544	-0.3544	NOUN
ajoaa-1757	500	21	0.1144	0.1144	NUM
ajoaa-1757	500	22	distance	distance	NOUN
ajoaa-1757	500	23	0.0042	0.0042	NUM
ajoaa-1757	500	24	0.0193	0.0193	NUM
ajoaa-1757	500	25	0.61	0.61	NUM
ajoaa-1757	500	26	0.827	0.827	NUM
ajoaa-1757	500	27	0.2689	0.2689	NUM
ajoaa-1757	500	28	-0.6451	-0.6451	PUNCT
ajoaa-1757	501	1	fbo	fbo	PROPN
ajoaa-1757	501	2	-0.9831	-0.9831	PROPN
ajoaa-1757	501	3	0.5040	0.5040	NUM
ajoaa-1757	501	4	-2.45	-2.45	NUM
ajoaa-1757	501	5	0.001	0.001	NUM
ajoaa-1757	501	6	0.1345	0.1345	NUM
ajoaa-1757	501	7	1.4692	1.4692	NUM
ajoaa-1757	501	8	experience	experience	NOUN
ajoaa-1757	501	9	-0.0546	-0.0546	VERB
ajoaa-1757	501	10	0.0401	0.0401	NOUN
ajoaa-1757	501	11	-2.07	-2.07	NUM
ajoaa-1757	501	12	0.013	0.013	NUM
ajoaa-1757	501	13	-0.5130	-0.5130	NOUN
ajoaa-1757	502	1	1.6316	1.6316	NUM
ajoaa-1757	502	2	dependants	dependant	NOUN
ajoaa-1757	502	3	0.2499	0.2499	NUM
ajoaa-1757	502	4	0.1284	0.1284	NUM
ajoaa-1757	502	5	1.56	1.56	NUM
ajoaa-1757	502	6	0.052	0.052	NUM
ajoaa-1757	502	7	0.6223	0.6223	NUM
ajoaa-1757	502	8	1.567	1.567	NUM
ajoaa-1757	502	9	income	income	NOUN
ajoaa-1757	502	10	0.0002	0.0002	NUM
ajoaa-1757	502	11	0.0005	0.0005	NUM
ajoaa-1757	502	12	3.01	3.01	NUM
ajoaa-1757	502	13	0.004	0.004	NUM
ajoaa-1757	502	14	0.1335	0.1335	NUM
ajoaa-1757	502	15	1.2982	1.2982	NUM
ajoaa-1757	502	16	pressure	pressure	NOUN
ajoaa-1757	502	17	0.2957	0.2957	NUM
ajoaa-1757	502	18	0.6432	0.6432	NUM
ajoaa-1757	502	19	0.89	0.89	NUM
ajoaa-1757	502	20	0.646	0.646	NUM
ajoaa-1757	502	21	0.6671	0.6671	NUM
ajoaa-1757	502	22	0.9254	0.9254	NUM
ajoaa-1757	502	23	interest	interest	NOUN
ajoaa-1757	502	24	rate	rate	NOUN
ajoaa-1757	502	25	-5.215	-5.215	VERB
ajoaa-1757	502	26	0.7591	0.7591	NUM
ajoaa-1757	502	27	-4.21	-4.21	NUM
ajoaa-1757	502	28	0.000	0.000	NUM
ajoaa-1757	502	29	0.0852	0.0852	NUM
ajoaa-1757	502	30	-2.45	-2.45	NUM
ajoaa-1757	502	31	total	total	ADJ
ajoaa-1757	502	32	credit	credit	NOUN
ajoaa-1757	502	33	0.2316	0.2316	NUM
ajoaa-1757	502	34	0.1426	0.1426	NUM
ajoaa-1757	502	35	3.21	3.21	NUM
ajoaa-1757	502	36	0.335	0.335	NUM
ajoaa-1757	502	37	0.0089	0.0089	NUM
ajoaa-1757	502	38	1.4223	1.4223	NUM
ajoaa-1757	502	39	repayment	repayment	NOUN
ajoaa-1757	502	40	duration	duration	NOUN
ajoaa-1757	502	41	-0.3113	-0.3113	NOUN
ajoaa-1757	502	42	0.0032	0.0032	NUM
ajoaa-1757	502	43	-6.39	-6.39	NUM
ajoaa-1757	502	44	0.0491	0.0491	NUM
ajoaa-1757	502	45	0.6345	0.6345	NUM
ajoaa-1757	502	46	2.6672	2.6672	NUM
ajoaa-1757	502	47	constant	constant	ADJ
ajoaa-1757	502	48	-1.3697	-1.3697	NOUN
ajoaa-1757	502	49	1.2450	1.2450	NUM
ajoaa-1757	502	50	-7.03	-7.03	NUM
ajoaa-1757	502	51	0.271	0.271	NUM
ajoaa-1757	502	52	0.5612	0.5612	NUM
ajoaa-1757	502	53	8.6324	8.6324	NUM
ajoaa-1757	502	54	marginal	marginal	ADJ
ajoaa-1757	502	55	effects	effect	NOUN
ajoaa-1757	502	56	after	after	ADP
ajoaa-1757	502	57	logit	logit	PROPN
ajoaa-1757	502	58	estimation	estimation	NOUN
ajoaa-1757	502	59	y	y	PROPN
ajoaa-1757	502	60	=	=	SYM
ajoaa-1757	502	61	pr(repayment	pr(repayment	NOUN
ajoaa-1757	502	62	)	)	PUNCT
ajoaa-1757	502	63	(	(	PUNCT
ajoaa-1757	502	64	predict)=	predict)=	NOUN
ajoaa-1757	502	65	.70724532	.70724532	PROPN
ajoaa-1757	502	66	variable	variable	NOUN
ajoaa-1757	502	67	dy	dy	NOUN
ajoaa-1757	502	68	/	/	SYM
ajoaa-1757	502	69	dx	dx	PROPN
ajoaa-1757	502	70	std	std	PROPN
ajoaa-1757	502	71	.	.	PROPN
ajoaa-1757	503	1	error	error	NOUN
ajoaa-1757	503	2	z	z	NOUN
ajoaa-1757	503	3	p>|z|	p>|z|	VERB
ajoaa-1757	503	4	[	[	X
ajoaa-1757	503	5	95	95	NUM
ajoaa-1757	503	6	%	%	NOUN
ajoaa-1757	503	7	conf	conf	NOUN
ajoaa-1757	503	8	.	.	PUNCT
ajoaa-1757	504	1	interval	interval	NOUN
ajoaa-1757	504	2	]	]	PUNCT
ajoaa-1757	505	1	x	x	SYM
ajoaa-1757	505	2	education	education	NOUN
ajoaa-1757	505	3	0.457	0.457	NUM
ajoaa-1757	505	4	0.2314	0.2314	NUM
ajoaa-1757	505	5	2.03	2.03	NUM
ajoaa-1757	505	6	0.602	0.602	NUM
ajoaa-1757	505	7	0.4134	0.4134	NUM
ajoaa-1757	505	8	-0.0024	-0.0024	NOUN
ajoaa-1757	505	9	0.6683	0.6683	NUM
ajoaa-1757	505	10	age	age	NOUN
ajoaa-1757	505	11	0.012	0.012	NUM
ajoaa-1757	505	12	0.1431	0.1431	NUM
ajoaa-1757	505	13	1.12	1.12	NUM
ajoaa-1757	505	14	0.091	0.091	NUM
ajoaa-1757	505	15	-0.0016	-0.0016	NOUN
ajoaa-1757	505	16	0.1835	0.1835	NUM
ajoaa-1757	505	17	0.3032	0.3032	NUM
ajoaa-1757	505	18	gender	gender	NOUN
ajoaa-1757	505	19	0.675	0.675	NUM
ajoaa-1757	505	20	0.1582	0.1582	NUM
ajoaa-1757	505	21	0.02	0.02	NUM
ajoaa-1757	505	22	0.008	0.008	NUM
ajoaa-1757	505	23	-0.2353	-0.2353	NOUN
ajoaa-1757	506	1	0.1374	0.1374	NUM
ajoaa-1757	506	2	0.2457	0.2457	NUM
ajoaa-1757	506	3	distance	distance	NOUN
ajoaa-1757	506	4	-0.079	-0.079	PUNCT
ajoaa-1757	506	5	0.0184	0.0184	NUM
ajoaa-1757	506	6	-0.32	-0.32	NUM
ajoaa-1757	506	7	0.625	0.625	NUM
ajoaa-1757	506	8	0.2485	0.2485	NUM
ajoaa-1757	506	9	-0.5441	-0.5441	NOUN
ajoaa-1757	506	10	0.3243	0.3243	NUM
ajoaa-1757	506	11	fbo	fbo	NOUN
ajoaa-1757	506	12	-0.430	-0.430	NUM
ajoaa-1757	506	13	0.1040	0.1040	NUM
ajoaa-1757	506	14	-3.85	-3.85	NUM
ajoaa-1757	506	15	0.021	0.021	NUM
ajoaa-1757	506	16	0.2345	0.2345	NUM
ajoaa-1757	506	17	1.0691	1.0691	NUM
ajoaa-1757	506	18	3.2241	3.2241	NUM
ajoaa-1757	506	19	experience	experience	NOUN
ajoaa-1757	506	20	-0.006	-0.006	PUNCT
ajoaa-1757	506	21	0.1401	0.1401	NUM
ajoaa-1757	506	22	-2.56	-2.56	NUM
ajoaa-1757	506	23	0.019	0.019	NUM
ajoaa-1757	506	24	-0.4330	-0.4330	NOUN
ajoaa-1757	506	25	1.0376	1.0376	NUM
ajoaa-1757	506	26	0.5157	0.5157	NUM
ajoaa-1757	506	27	dependants	dependant	NOUN
ajoaa-1757	506	28	0.156	0.156	NUM
ajoaa-1757	506	29	0.1364	0.1364	NUM
ajoaa-1757	506	30	1.06	1.06	NUM
ajoaa-1757	506	31	0.012	0.012	NUM
ajoaa-1757	506	32	0.6401	0.6401	NUM
ajoaa-1757	506	33	1.268	1.268	NUM
ajoaa-1757	506	34	0.4454	0.4454	NUM
ajoaa-1757	506	35	income	income	NOUN
ajoaa-1757	506	36	0.053	0.053	NUM
ajoaa-1757	506	37	0.0031	0.0031	NUM
ajoaa-1757	506	38	2.43	2.43	NUM
ajoaa-1757	506	39	0.001	0.001	NUM
ajoaa-1757	506	40	0.1155	0.1155	NUM
ajoaa-1757	506	41	1.0882	1.0882	NUM
ajoaa-1757	506	42	0.1073	0.1073	NUM
ajoaa-1757	506	43	pressure	pressure	NOUN
ajoaa-1757	506	44	0.001	0.001	NUM
ajoaa-1757	506	45	0.1534	0.1534	NUM
ajoaa-1757	506	46	0.59	0.59	NUM
ajoaa-1757	506	47	0.246	0.246	NUM
ajoaa-1757	506	48	2.6371	2.6371	NUM
ajoaa-1757	506	49	0.6252	0.6252	NUM
ajoaa-1757	506	50	14.8634	14.8634	NUM
ajoaa-1757	506	51	interest	interest	NOUN
ajoaa-1757	506	52	rate	rate	NOUN
ajoaa-1757	506	53	-0.443	-0.443	NOUN
ajoaa-1757	506	54	0.2217	0.2217	NUM
ajoaa-1757	506	55	-4.07	-4.07	NUM
ajoaa-1757	506	56	0.006	0.006	NUM
ajoaa-1757	506	57	0.0892	0.0892	NUM
ajoaa-1757	506	58	-2.245	-2.245	NUM
ajoaa-1757	506	59	0.1662	0.1662	NUM
ajoaa-1757	506	60	total	total	ADJ
ajoaa-1757	506	61	credit	credit	NOUN
ajoaa-1757	506	62	0.321	0.321	NUM
ajoaa-1757	506	63	0.1322	0.1322	NUM
ajoaa-1757	506	64	4.12	4.12	NUM
ajoaa-1757	506	65	0.434	0.434	NUM
ajoaa-1757	506	66	0.0083	0.0083	NUM
ajoaa-1757	506	67	2.4123	2.4123	NUM
ajoaa-1757	506	68	2.1321	2.1321	NUM
ajoaa-1757	506	69	repayment	repayment	NOUN
ajoaa-1757	506	70	duration	duration	NOUN
ajoaa-1757	506	71	-0.271	-0.271	NUM
ajoaa-1757	506	72	0.0233	0.0233	NUM
ajoaa-1757	506	73	-4.33	-4.33	NUM
ajoaa-1757	506	74	0.041	0.041	NUM
ajoaa-1757	506	75	0.6185	0.6185	NUM
ajoaa-1757	506	76	1.7322	1.7322	NUM
ajoaa-1757	506	77	0.6834	0.6834	NUM
ajoaa-1757	506	78	(	(	PUNCT
ajoaa-1757	506	79	*	*	NOUN
ajoaa-1757	506	80	)	)	PUNCT
ajoaa-1757	506	81	dy	dy	NOUN
ajoaa-1757	506	82	/	/	SYM
ajoaa-1757	506	83	dx	dx	PROPN
ajoaa-1757	506	84	is	be	AUX
ajoaa-1757	506	85	for	for	ADP
ajoaa-1757	506	86	discrete	discrete	ADJ
ajoaa-1757	506	87	change	change	NOUN
ajoaa-1757	506	88	of	of	ADP
ajoaa-1757	506	89	dummy	dummy	ADJ
ajoaa-1757	506	90	variable	variable	NOUN
ajoaa-1757	506	91	from	from	ADP
ajoaa-1757	506	92	0	0	NUM
ajoaa-1757	506	93	to	to	ADP
ajoaa-1757	506	94	1	1	NUM