id	sid	tid	token	lemma	pos
ajoaa-2044	1	1	effect	effect	NOUN
ajoaa-2044	1	2	of	of	ADP
ajoaa-2044	1	3	selected	select	VERB
ajoaa-2044	1	4	insecticide	insecticide	NOUN
ajoaa-2044	1	5	on	on	ADP
ajoaa-2044	1	6	whitefly	whitefly	NOUN
ajoaa-2044	1	7	(	(	PUNCT
ajoaa-2044	1	8	bemisia	bemisia	NOUN
ajoaa-2044	1	9	tabaci	tabaci	NOUN
ajoaa-2044	1	10	)	)	PUNCT
ajoaa-2044	1	11	infesting	infest	VERB
ajoaa-2044	1	12	brinjal	brinjal	ADJ
ajoaa-2044	1	13	plants	plant	NOUN
ajoaa-2044	1	14	406	406	NUM
ajoaa-2044	1	15	farmers	farmer	NOUN
ajoaa-2044	1	16	’	’	PART
ajoaa-2044	1	17	attitude	attitude	NOUN
ajoaa-2044	1	18	and	and	CCONJ
ajoaa-2044	1	19	behavior	behavior	NOUN
ajoaa-2044	1	20	toward	toward	ADP
ajoaa-2044	1	21	savings	saving	NOUN
ajoaa-2044	1	22	in	in	ADP
ajoaa-2044	1	23	ika	ika	PROPN
ajoaa-2044	1	24	south	south	PROPN
ajoaa-2044	1	25	local	local	ADJ
ajoaa-2044	1	26	government	government	NOUN
ajoaa-2044	1	27	area	area	NOUN
ajoaa-2044	1	28	of	of	ADP
ajoaa-2044	1	29	delta	delta	PROPN
ajoaa-2044	1	30	state	state	PROPN
ajoaa-2044	1	31	,	,	PUNCT
ajoaa-2044	1	32	nigeria	nigeria	PROPN
ajoaa-2044	1	33	rodney	rodney	PROPN
ajoaa-2044	1	34	akpoviri	akpoviri	PROPN
ajoaa-2044	1	35	isiorhovoja	isiorhovoja	PROPN
ajoaa-2044	1	36	a	a	PROPN
ajoaa-2044	1	37	,	,	PUNCT
ajoaa-2044	1	38	solomon	solomon	PROPN
ajoaa-2044	1	39	okeoghene	okeoghene	PROPN
ajoaa-2044	1	40	ebewore	ebewore	PROPN
ajoaa-2044	1	41	a	a	PRON
ajoaa-2044	1	42	,	,	PUNCT
ajoaa-2044	1	43	salome	salome	NOUN
ajoaa-2044	1	44	nwachi	nwachi	NOUN
ajoaa-2044	1	45	a	a	DET
ajoaa-2044	1	46	a	a	ADJ
ajoaa-2044	1	47	delta	delta	PROPN
ajoaa-2044	1	48	state	state	PROPN
ajoaa-2044	1	49	university	university	PROPN
ajoaa-2044	1	50	,	,	PUNCT
ajoaa-2044	1	51	asaba	asaba	NOUN
ajoaa-2044	1	52	campus	campus	NOUN
ajoaa-2044	1	53	,	,	PUNCT
ajoaa-2044	1	54	nigeria	nigeria	X
ajoaa-2044	1	55			VERB
ajoaa-2044	1	56	raisiorhovoja@gmail.com	raisiorhovoja@gmail.com	X
ajoaa-2044	2	1	(	(	PUNCT
ajoaa-2044	2	2	corresponding	corresponding	ADJ
ajoaa-2044	2	3	author	author	NOUN
ajoaa-2044	2	4	)	)	PUNCT
ajoaa-2044	2	5	corresponding	correspond	VERB
ajoaa-2044	2	6	author	author	NOUN
ajoaa-2044	2	7	article	article	NOUN
ajoaa-2044	2	8	history	history	NOUN
ajoaa-2044	2	9	:	:	PUNCT
ajoaa-2044	2	10	received	receive	VERB
ajoaa-2044	2	11	:	:	PUNCT
ajoaa-2044	2	12	24	24	NUM
ajoaa-2044	2	13	-	-	PUNCT
ajoaa-2044	2	14	jan-2020	jan-2020	NOUN
ajoaa-2044	2	15	accepted	accept	VERB
ajoaa-2044	2	16	:	:	PUNCT
ajoaa-2044	2	17	04	04	NUM
ajoaa-2044	2	18	-	-	PUNCT
ajoaa-2044	2	19	may-2020	may-2020	NOUN
ajoaa-2044	2	20	online	online	ADV
ajoaa-2044	2	21	available	available	ADJ
ajoaa-2044	2	22	:	:	PUNCT
ajoaa-2044	2	23	17	17	NUM
ajoaa-2044	2	24	-	-	PUNCT
ajoaa-2044	2	25	jun2020	jun2020	NOUN
ajoaa-2044	2	26	keywords	keyword	NOUN
ajoaa-2044	2	27	:	:	PUNCT
ajoaa-2044	2	28	commercial	commercial	ADJ
ajoaa-2044	2	29	banks	bank	NOUN
ajoaa-2044	2	30	,	,	PUNCT
ajoaa-2044	2	31	experience	experience	NOUN
ajoaa-2044	2	32	,	,	PUNCT
ajoaa-2044	2	33	farmers	farmer	NOUN
ajoaa-2044	2	34	’	'	PUNCT
ajoaa-2044	2	35	needs	need	NOUN
ajoaa-2044	2	36	,	,	PUNCT
ajoaa-2044	2	37	income	income	NOUN
ajoaa-2044	2	38	abstract	abstract	NOUN
ajoaa-2044	2	39	the	the	DET
ajoaa-2044	2	40	study	study	NOUN
ajoaa-2044	2	41	ascertained	ascertain	VERB
ajoaa-2044	2	42	the	the	DET
ajoaa-2044	2	43	attitude	attitude	NOUN
ajoaa-2044	2	44	of	of	ADP
ajoaa-2044	2	45	farmers	farmer	NOUN
ajoaa-2044	2	46	towards	towards	ADP
ajoaa-2044	2	47	saving	save	VERB
ajoaa-2044	2	48	behaviour	behaviour	NOUN
ajoaa-2044	2	49	in	in	ADP
ajoaa-2044	2	50	ika	ika	PROPN
ajoaa-2044	2	51	south	south	PROPN
ajoaa-2044	2	52	local	local	ADJ
ajoaa-2044	2	53	government	government	NOUN
ajoaa-2044	2	54	area	area	NOUN
ajoaa-2044	2	55	of	of	ADP
ajoaa-2044	2	56	delta	delta	PROPN
ajoaa-2044	2	57	state	state	PROPN
ajoaa-2044	2	58	,	,	PUNCT
ajoaa-2044	2	59	nigeria	nigeria	PROPN
ajoaa-2044	2	60	.	.	PUNCT
ajoaa-2044	3	1	the	the	DET
ajoaa-2044	3	2	data	datum	NOUN
ajoaa-2044	3	3	were	be	AUX
ajoaa-2044	3	4	collected	collect	VERB
ajoaa-2044	3	5	by	by	ADP
ajoaa-2044	3	6	questionnaires	questionnaire	NOUN
ajoaa-2044	3	7	and	and	CCONJ
ajoaa-2044	3	8	analyzed	analyze	VERB
ajoaa-2044	3	9	using	use	VERB
ajoaa-2044	3	10	descriptive	descriptive	ADJ
ajoaa-2044	3	11	statistics	statistic	NOUN
ajoaa-2044	3	12	and	and	CCONJ
ajoaa-2044	3	13	logistic	logistic	ADJ
ajoaa-2044	3	14	regression	regression	NOUN
ajoaa-2044	3	15	.	.	PUNCT
ajoaa-2044	4	1	the	the	DET
ajoaa-2044	4	2	results	result	NOUN
ajoaa-2044	4	3	revealed	reveal	VERB
ajoaa-2044	4	4	that	that	SCONJ
ajoaa-2044	4	5	the	the	DET
ajoaa-2044	4	6	mean	mean	ADJ
ajoaa-2044	4	7	age	age	NOUN
ajoaa-2044	4	8	of	of	ADP
ajoaa-2044	4	9	respondents	respondent	NOUN
ajoaa-2044	4	10	was	be	AUX
ajoaa-2044	4	11	47	47	NUM
ajoaa-2044	4	12	years	year	NOUN
ajoaa-2044	4	13	,	,	PUNCT
ajoaa-2044	4	14	majority	majority	NOUN
ajoaa-2044	4	15	of	of	ADP
ajoaa-2044	4	16	farmers	farmer	NOUN
ajoaa-2044	4	17	’	'	PUNCT
ajoaa-2044	4	18	were	be	AUX
ajoaa-2044	4	19	male	male	ADJ
ajoaa-2044	4	20	(	(	PUNCT
ajoaa-2044	4	21	62	62	NUM
ajoaa-2044	4	22	%	%	NOUN
ajoaa-2044	4	23	)	)	PUNCT
ajoaa-2044	4	24	and	and	CCONJ
ajoaa-2044	4	25	had	have	VERB
ajoaa-2044	4	26	formal	formal	ADJ
ajoaa-2044	4	27	education	education	NOUN
ajoaa-2044	4	28	(	(	PUNCT
ajoaa-2044	4	29	66.2	66.2	NUM
ajoaa-2044	4	30	%	%	NOUN
ajoaa-2044	4	31	)	)	PUNCT
ajoaa-2044	4	32	,	,	PUNCT
ajoaa-2044	4	33	mean	mean	VERB
ajoaa-2044	4	34	household	household	NOUN
ajoaa-2044	4	35	size	size	NOUN
ajoaa-2044	4	36	was	be	AUX
ajoaa-2044	4	37	four	four	NUM
ajoaa-2044	4	38	persons	person	NOUN
ajoaa-2044	4	39	and	and	CCONJ
ajoaa-2044	4	40	farm	farm	NOUN
ajoaa-2044	4	41	size	size	NOUN
ajoaa-2044	4	42	had	have	VERB
ajoaa-2044	4	43	a	a	DET
ajoaa-2044	4	44	mean	mean	NOUN
ajoaa-2044	4	45	of	of	ADP
ajoaa-2044	4	46	2.9	2.9	NUM
ajoaa-2044	4	47	hectares	hectare	NOUN
ajoaa-2044	4	48	.	.	PUNCT
ajoaa-2044	5	1	farmers	farmer	NOUN
ajoaa-2044	5	2	have	have	VERB
ajoaa-2044	5	3	a	a	DET
ajoaa-2044	5	4	positive	positive	ADJ
ajoaa-2044	5	5	attitude	attitude	NOUN
ajoaa-2044	5	6	towards	towards	ADP
ajoaa-2044	5	7	saving	save	VERB
ajoaa-2044	5	8	but	but	CCONJ
ajoaa-2044	5	9	were	be	AUX
ajoaa-2044	5	10	not	not	PART
ajoaa-2044	5	11	comfortable	comfortable	ADJ
ajoaa-2044	5	12	with	with	ADP
ajoaa-2044	5	13	commercial	commercial	ADJ
ajoaa-2044	5	14	banks	bank	NOUN
ajoaa-2044	5	15	.	.	PUNCT
ajoaa-2044	6	1	they	they	PRON
ajoaa-2044	6	2	,	,	PUNCT
ajoaa-2044	6	3	however	however	ADV
ajoaa-2044	6	4	,	,	PUNCT
ajoaa-2044	6	5	seek	seek	VERB
ajoaa-2044	6	6	alternative	alternative	ADJ
ajoaa-2044	6	7	avenues	avenue	NOUN
ajoaa-2044	6	8	for	for	ADP
ajoaa-2044	6	9	savings	saving	NOUN
ajoaa-2044	6	10	.	.	PUNCT
ajoaa-2044	7	1	level	level	NOUN
ajoaa-2044	7	2	of	of	ADP
ajoaa-2044	7	3	education	education	NOUN
ajoaa-2044	7	4	,	,	PUNCT
ajoaa-2044	7	5	farm	farm	NOUN
ajoaa-2044	7	6	size	size	NOUN
ajoaa-2044	7	7	,	,	PUNCT
ajoaa-2044	7	8	and	and	CCONJ
ajoaa-2044	7	9	years	year	NOUN
ajoaa-2044	7	10	of	of	ADP
ajoaa-2044	7	11	farming	farming	NOUN
ajoaa-2044	7	12	experience	experience	NOUN
ajoaa-2044	7	13	were	be	AUX
ajoaa-2044	7	14	significant	significant	ADJ
ajoaa-2044	7	15	determinants	determinant	NOUN
ajoaa-2044	7	16	of	of	ADP
ajoaa-2044	7	17	savings	saving	NOUN
ajoaa-2044	7	18	.	.	PUNCT
ajoaa-2044	8	1	three	three	NUM
ajoaa-2044	8	2	top	top	ADJ
ajoaa-2044	8	3	challenges	challenge	NOUN
ajoaa-2044	8	4	to	to	ADP
ajoaa-2044	8	5	savings	saving	NOUN
ajoaa-2044	8	6	were	be	AUX
ajoaa-2044	8	7	inadequate	inadequate	ADJ
ajoaa-2044	8	8	income	income	NOUN
ajoaa-2044	8	9	,	,	PUNCT
ajoaa-2044	8	10	family	family	NOUN
ajoaa-2044	8	11	responsibility	responsibility	NOUN
ajoaa-2044	8	12	,	,	PUNCT
ajoaa-2044	8	13	and	and	CCONJ
ajoaa-2044	8	14	cost	cost	NOUN
ajoaa-2044	8	15	of	of	ADP
ajoaa-2044	8	16	inputs	input	NOUN
ajoaa-2044	8	17	.	.	PUNCT
ajoaa-2044	9	1	it	it	PRON
ajoaa-2044	9	2	was	be	AUX
ajoaa-2044	9	3	recommended	recommend	VERB
ajoaa-2044	9	4	that	that	SCONJ
ajoaa-2044	9	5	policies	policy	NOUN
ajoaa-2044	9	6	that	that	PRON
ajoaa-2044	9	7	increase	increase	VERB
ajoaa-2044	9	8	farm	farm	NOUN
ajoaa-2044	9	9	size	size	NOUN
ajoaa-2044	9	10	/	/	SYM
ajoaa-2044	9	11	boost	boost	NOUN
ajoaa-2044	9	12	farm	farm	NOUN
ajoaa-2044	9	13	income	income	NOUN
ajoaa-2044	9	14	be	be	AUX
ajoaa-2044	9	15	pursued	pursue	VERB
ajoaa-2044	9	16	and	and	CCONJ
ajoaa-2044	9	17	that	that	SCONJ
ajoaa-2044	9	18	commercial	commercial	ADJ
ajoaa-2044	9	19	banks	bank	NOUN
ajoaa-2044	9	20	should	should	AUX
ajoaa-2044	9	21	pay	pay	VERB
ajoaa-2044	9	22	particular	particular	ADJ
ajoaa-2044	9	23	attention	attention	NOUN
ajoaa-2044	9	24	to	to	ADP
ajoaa-2044	9	25	the	the	DET
ajoaa-2044	9	26	needs	need	NOUN
ajoaa-2044	9	27	of	of	ADP
ajoaa-2044	9	28	farmers	farmer	NOUN
ajoaa-2044	9	29	in	in	ADP
ajoaa-2044	9	30	service	service	NOUN
ajoaa-2044	9	31	administration	administration	NOUN
ajoaa-2044	9	32	to	to	PART
ajoaa-2044	9	33	encourage	encourage	VERB
ajoaa-2044	9	34	them	they	PRON
ajoaa-2044	9	35	to	to	PART
ajoaa-2044	9	36	develop	develop	VERB
ajoaa-2044	9	37	a	a	DET
ajoaa-2044	9	38	positive	positive	ADJ
ajoaa-2044	9	39	attitude	attitude	NOUN
ajoaa-2044	9	40	towards	towards	ADP
ajoaa-2044	9	41	commercial	commercial	ADJ
ajoaa-2044	9	42	banks	bank	NOUN
ajoaa-2044	9	43	.	.	PUNCT
ajoaa-2044	10	1	contribution/	contribution/	NUM
ajoaa-2044	10	2	originality	originality	NOUN
ajoaa-2044	10	3	the	the	DET
ajoaa-2044	10	4	paper	paper	NOUN
ajoaa-2044	10	5	identified	identify	VERB
ajoaa-2044	10	6	the	the	DET
ajoaa-2044	10	7	causes	cause	NOUN
ajoaa-2044	10	8	of	of	ADP
ajoaa-2044	10	9	low	low	ADJ
ajoaa-2044	10	10	savings	saving	NOUN
ajoaa-2044	10	11	among	among	ADP
ajoaa-2044	10	12	rural	rural	ADJ
ajoaa-2044	10	13	farmers	farmer	NOUN
ajoaa-2044	10	14	in	in	ADP
ajoaa-2044	10	15	delta	delta	PROPN
ajoaa-2044	10	16	state	state	PROPN
ajoaa-2044	10	17	,	,	PUNCT
ajoaa-2044	10	18	nigeria	nigeria	PROPN
ajoaa-2044	10	19	.	.	PUNCT
ajoaa-2044	11	1	it	it	PRON
ajoaa-2044	11	2	also	also	ADV
ajoaa-2044	11	3	categorized	categorize	VERB
ajoaa-2044	11	4	the	the	DET
ajoaa-2044	11	5	poor	poor	ADJ
ajoaa-2044	11	6	saving	saving	NOUN
ajoaa-2044	11	7	habits	habit	NOUN
ajoaa-2044	11	8	of	of	ADP
ajoaa-2044	11	9	farmers	farmer	NOUN
ajoaa-2044	11	10	with	with	ADP
ajoaa-2044	11	11	commercial	commercial	ADJ
ajoaa-2044	11	12	banks	bank	NOUN
ajoaa-2044	11	13	.	.	PUNCT
ajoaa-2044	12	1	solutions	solution	NOUN
ajoaa-2044	12	2	were	be	AUX
ajoaa-2044	12	3	thus	thus	ADV
ajoaa-2044	12	4	provided	provide	VERB
ajoaa-2044	12	5	along	along	ADP
ajoaa-2044	12	6	with	with	ADP
ajoaa-2044	12	7	the	the	DET
ajoaa-2044	12	8	causes	cause	NOUN
ajoaa-2044	12	9	/	/	SYM
ajoaa-2044	12	10	nature	nature	NOUN
ajoaa-2044	12	11	of	of	ADP
ajoaa-2044	12	12	the	the	DET
ajoaa-2044	12	13	challenges	challenge	NOUN
ajoaa-2044	12	14	to	to	ADP
ajoaa-2044	12	15	saving	save	VERB
ajoaa-2044	12	16	identified	identify	VERB
ajoaa-2044	12	17	.	.	PUNCT
ajoaa-2044	13	1	doi	doi	NOUN
ajoaa-2044	13	2	:	:	PUNCT
ajoaa-2044	13	3	10.18488	10.18488	NUM
ajoaa-2044	13	4	/	/	SYM
ajoaa-2044	13	5	journal.1005/2020.10.1/1005.1.406.419	journal.1005/2020.10.1/1005.1.406.419	PROPN
ajoaa-2044	13	6	issn	issn	PROPN
ajoaa-2044	13	7	(	(	PUNCT
ajoaa-2044	13	8	p	p	X
ajoaa-2044	13	9	):	):	PUNCT
ajoaa-2044	13	10	2304	2304	NUM
ajoaa-2044	13	11	-	-	SYM
ajoaa-2044	13	12	1455	1455	NUM
ajoaa-2044	13	13	/	/	SYM
ajoaa-2044	13	14	issn	issn	PROPN
ajoaa-2044	13	15	(	(	PUNCT
ajoaa-2044	13	16	e):2224	e):2224	PROPN
ajoaa-2044	13	17	-	-	PUNCT
ajoaa-2044	13	18	4433	4433	NUM
ajoaa-2044	13	19	how	how	SCONJ
ajoaa-2044	13	20	to	to	PART
ajoaa-2044	13	21	cite	cite	VERB
ajoaa-2044	13	22	:	:	PUNCT
ajoaa-2044	13	23	rodney	rodney	PROPN
ajoaa-2044	13	24	akpoviri	akpoviri	PROPN
ajoaa-2044	13	25	isiorhovoja	isiorhovoja	PROPN
ajoaa-2044	13	26	,	,	PUNCT
ajoaa-2044	13	27	solomon	solomon	PROPN
ajoaa-2044	13	28	okeoghene	okeoghene	PROPN
ajoaa-2044	13	29	ebewore	ebewore	ADV
ajoaa-2044	13	30	and	and	CCONJ
ajoaa-2044	13	31	salome	salome	VERB
ajoaa-2044	13	32	nwachi	nwachi	NOUN
ajoaa-2044	13	33	(	(	PUNCT
ajoaa-2044	13	34	2020	2020	NUM
ajoaa-2044	13	35	)	)	PUNCT
ajoaa-2044	13	36	.	.	PUNCT
ajoaa-2044	14	1	farmers	farmer	NOUN
ajoaa-2044	14	2	’	’	PART
ajoaa-2044	14	3	attitude	attitude	NOUN
ajoaa-2044	14	4	and	and	CCONJ
ajoaa-2044	14	5	behavior	behavior	NOUN
ajoaa-2044	14	6	toward	toward	ADP
ajoaa-2044	14	7	savings	saving	NOUN
ajoaa-2044	14	8	in	in	ADP
ajoaa-2044	14	9	ika	ika	PROPN
ajoaa-2044	14	10	south	south	PROPN
ajoaa-2044	14	11	local	local	ADJ
ajoaa-2044	14	12	government	government	NOUN
ajoaa-2044	14	13	area	area	NOUN
ajoaa-2044	14	14	of	of	ADP
ajoaa-2044	14	15	delta	delta	PROPN
ajoaa-2044	14	16	state	state	PROPN
ajoaa-2044	14	17	,	,	PUNCT
ajoaa-2044	14	18	nigeria	nigeria	PROPN
ajoaa-2044	14	19	.	.	PUNCT
ajoaa-2044	15	1	asian	asian	PROPN
ajoaa-2044	15	2	journal	journal	PROPN
ajoaa-2044	15	3	of	of	ADP
ajoaa-2044	15	4	agriculture	agriculture	NOUN
ajoaa-2044	15	5	and	and	CCONJ
ajoaa-2044	15	6	rural	rural	ADJ
ajoaa-2044	15	7	development	development	NOUN
ajoaa-2044	15	8	,	,	PUNCT
ajoaa-2044	15	9	10(1	10(1	NUM
ajoaa-2044	15	10	)	)	PUNCT
ajoaa-2044	15	11	,	,	PUNCT
ajoaa-2044	15	12	406	406	NUM
ajoaa-2044	15	13	-	-	SYM
ajoaa-2044	15	14	419	419	NUM
ajoaa-2044	15	15	.	.	PUNCT
ajoaa-2044	16	1	©	©	NOUN
ajoaa-2044	16	2	2020	2020	NUM
ajoaa-2044	16	3	asian	asian	ADJ
ajoaa-2044	16	4	economic	economic	ADJ
ajoaa-2044	16	5	and	and	CCONJ
ajoaa-2044	16	6	social	social	ADJ
ajoaa-2044	16	7	society	society	NOUN
ajoaa-2044	16	8	.	.	PUNCT
ajoaa-2044	17	1	all	all	DET
ajoaa-2044	17	2	rights	right	NOUN
ajoaa-2044	17	3	reserved	reserve	VERB
ajoaa-2044	17	4	.	.	PUNCT
ajoaa-2044	18	1	asian	asian	ADJ
ajoaa-2044	18	2	journal	journal	PROPN
ajoaa-2044	18	3	of	of	ADP
ajoaa-2044	18	4	agriculture	agriculture	NOUN
ajoaa-2044	18	5	and	and	CCONJ
ajoaa-2044	18	6	rural	rural	ADJ
ajoaa-2044	18	7	development	development	NOUN
ajoaa-2044	18	8	volume	volume	NOUN
ajoaa-2044	18	9	10	10	NUM
ajoaa-2044	18	10	,	,	PUNCT
ajoaa-2044	18	11	issue	issue	NOUN
ajoaa-2044	18	12	1	1	NUM
ajoaa-2044	18	13	(	(	PUNCT
ajoaa-2044	18	14	2020	2020	NUM
ajoaa-2044	18	15	):	):	PUNCT
ajoaa-2044	18	16	406	406	NUM
ajoaa-2044	18	17	-	-	SYM
ajoaa-2044	18	18	419	419	NUM
ajoaa-2044	18	19	http://www.aessweb.com/journals/5005	http://www.aessweb.com/journals/5005	ADJ
ajoaa-2044	18	20	mailto:raisiorhovoja@gmail.com	mailto:raisiorhovoja@gmail.com	NOUN
ajoaa-2044	18	21	http://www.aessweb.com/journals/5005	http://www.aessweb.com/journals/5005	VERB
ajoaa-2044	18	22	http://crossmark.crossref.org/dialog/?doi=10.18488/journal.1005/2020.10.1/1005.1.406.419	http://crossmark.crossref.org/dialog/?doi=10.18488/journal.1005/2020.10.1/1005.1.406.419	PRON
ajoaa-2044	18	23	https://orcid.org/0000-0003-3722-2451	https://orcid.org/0000-0003-3722-2451	PROPN
ajoaa-2044	18	24	https://orcid.org/0000-0002-4906-7914	https://orcid.org/0000-0002-4906-7914	PROPN
ajoaa-2044	18	25	asian	asian	ADJ
ajoaa-2044	18	26	journal	journal	PROPN
ajoaa-2044	18	27	of	of	ADP
ajoaa-2044	18	28	agriculture	agriculture	NOUN
ajoaa-2044	18	29	and	and	CCONJ
ajoaa-2044	18	30	rural	rural	ADJ
ajoaa-2044	18	31	development	development	NOUN
ajoaa-2044	18	32	,	,	PUNCT
ajoaa-2044	18	33	10(1)2020	10(1)2020	NUM
ajoaa-2044	18	34	:	:	PUNCT
ajoaa-2044	18	35	406	406	NUM
ajoaa-2044	18	36	-	-	SYM
ajoaa-2044	18	37	419	419	NUM
ajoaa-2044	18	38	407	407	NUM
ajoaa-2044	18	39	1	1	NUM
ajoaa-2044	18	40	.	.	PUNCT
ajoaa-2044	19	1	introduction	introduction	NOUN
ajoaa-2044	19	2	equity	equity	NOUN
ajoaa-2044	19	3	and	and	CCONJ
ajoaa-2044	19	4	debt	debt	NOUN
ajoaa-2044	19	5	are	be	AUX
ajoaa-2044	19	6	the	the	DET
ajoaa-2044	19	7	two	two	NUM
ajoaa-2044	19	8	types	type	NOUN
ajoaa-2044	19	9	of	of	ADP
ajoaa-2044	19	10	investment	investment	NOUN
ajoaa-2044	19	11	funds	fund	NOUN
ajoaa-2044	19	12	available	available	ADJ
ajoaa-2044	19	13	to	to	ADP
ajoaa-2044	19	14	any	any	DET
ajoaa-2044	19	15	business	business	NOUN
ajoaa-2044	19	16	(	(	PUNCT
ajoaa-2044	19	17	sitharam	sitharam	NOUN
ajoaa-2044	19	18	and	and	CCONJ
ajoaa-2044	19	19	hoque	hoque	NOUN
ajoaa-2044	19	20	,	,	PUNCT
ajoaa-2044	19	21	2016	2016	NUM
ajoaa-2044	19	22	)	)	PUNCT
ajoaa-2044	19	23	.	.	PUNCT
ajoaa-2044	20	1	they	they	PRON
ajoaa-2044	20	2	are	be	AUX
ajoaa-2044	20	3	obtainable	obtainable	ADJ
ajoaa-2044	20	4	from	from	ADP
ajoaa-2044	20	5	two	two	NUM
ajoaa-2044	20	6	broad	broad	ADJ
ajoaa-2044	20	7	sources	source	NOUN
ajoaa-2044	20	8	namely	namely	ADV
ajoaa-2044	20	9	;	;	PUNCT
ajoaa-2044	20	10	informal	informal	ADJ
ajoaa-2044	20	11	or	or	CCONJ
ajoaa-2044	20	12	non	non	ADJ
ajoaa-2044	20	13	-	-	ADJ
ajoaa-2044	20	14	institutional	institutional	ADJ
ajoaa-2044	20	15	sources	source	NOUN
ajoaa-2044	20	16	and	and	CCONJ
ajoaa-2044	20	17	the	the	DET
ajoaa-2044	20	18	formal	formal	ADJ
ajoaa-2044	20	19	or	or	CCONJ
ajoaa-2044	20	20	institutional	institutional	ADJ
ajoaa-2044	20	21	sources	source	NOUN
ajoaa-2044	20	22	(	(	PUNCT
ajoaa-2044	20	23	fadeyi	fadeyi	NOUN
ajoaa-2044	20	24	,	,	PUNCT
ajoaa-2044	20	25	2018	2018	NUM
ajoaa-2044	20	26	)	)	PUNCT
ajoaa-2044	20	27	.	.	PUNCT
ajoaa-2044	21	1	funds	fund	NOUN
ajoaa-2044	21	2	from	from	ADP
ajoaa-2044	21	3	the	the	DET
ajoaa-2044	21	4	informal	informal	ADJ
ajoaa-2044	21	5	sources	source	NOUN
ajoaa-2044	21	6	may	may	AUX
ajoaa-2044	21	7	be	be	AUX
ajoaa-2044	21	8	from	from	ADP
ajoaa-2044	21	9	personal	personal	ADJ
ajoaa-2044	21	10	/	/	SYM
ajoaa-2044	21	11	farm	farm	NOUN
ajoaa-2044	21	12	business	business	NOUN
ajoaa-2044	21	13	saving	saving	NOUN
ajoaa-2044	21	14	,	,	PUNCT
ajoaa-2044	21	15	friends	friend	NOUN
ajoaa-2044	21	16	,	,	PUNCT
ajoaa-2044	21	17	and	and	CCONJ
ajoaa-2044	21	18	relatives	relative	NOUN
ajoaa-2044	21	19	.	.	PUNCT
ajoaa-2044	22	1	loans	loan	NOUN
ajoaa-2044	22	2	from	from	ADP
ajoaa-2044	22	3	friends	friend	NOUN
ajoaa-2044	22	4	and	and	CCONJ
ajoaa-2044	22	5	relatives	relative	NOUN
ajoaa-2044	22	6	are	be	AUX
ajoaa-2044	22	7	usually	usually	ADV
ajoaa-2044	22	8	interest	interest	NOUN
ajoaa-2044	22	9	-	-	PUNCT
ajoaa-2044	22	10	free	free	ADJ
ajoaa-2044	22	11	but	but	CCONJ
ajoaa-2044	22	12	very	very	ADV
ajoaa-2044	22	13	limited	limited	ADJ
ajoaa-2044	22	14	in	in	ADP
ajoaa-2044	22	15	supply	supply	NOUN
ajoaa-2044	22	16	terms	term	NOUN
ajoaa-2044	22	17	of	of	ADP
ajoaa-2044	22	18	the	the	DET
ajoaa-2044	22	19	needs	need	NOUN
ajoaa-2044	22	20	of	of	ADP
ajoaa-2044	22	21	the	the	DET
ajoaa-2044	22	22	farmers	farmer	NOUN
ajoaa-2044	22	23	.	.	PUNCT
ajoaa-2044	23	1	local	local	ADJ
ajoaa-2044	23	2	farmers	farmer	NOUN
ajoaa-2044	23	3	also	also	ADV
ajoaa-2044	23	4	obtain	obtain	VERB
ajoaa-2044	23	5	loans	loan	NOUN
ajoaa-2044	23	6	from	from	ADP
ajoaa-2044	23	7	a	a	DET
ajoaa-2044	23	8	rotating	rotate	VERB
ajoaa-2044	23	9	saving	saving	NOUN
ajoaa-2044	23	10	scheme	scheme	NOUN
ajoaa-2044	23	11	.	.	PUNCT
ajoaa-2044	24	1	it	it	PRON
ajoaa-2044	24	2	is	be	AUX
ajoaa-2044	24	3	locally	locally	ADV
ajoaa-2044	24	4	called	call	VERB
ajoaa-2044	24	5	“	"	PUNCT
ajoaa-2044	24	6	esusu	esusu	PROPN
ajoaa-2044	24	7	”	"	PUNCT
ajoaa-2044	24	8	or	or	CCONJ
ajoaa-2044	24	9	“	"	PUNCT
ajoaa-2044	24	10	isusu	isusu	PROPN
ajoaa-2044	24	11	”	"	PUNCT
ajoaa-2044	24	12	or	or	CCONJ
ajoaa-2044	24	13	“	"	PUNCT
ajoaa-2044	24	14	osusu	osusu	PROPN
ajoaa-2044	24	15	”	"	PUNCT
ajoaa-2044	24	16	in	in	ADP
ajoaa-2044	24	17	nigeria	nigeria	PROPN
ajoaa-2044	24	18	,	,	PUNCT
ajoaa-2044	24	19	depending	depend	VERB
ajoaa-2044	24	20	on	on	ADP
ajoaa-2044	24	21	the	the	DET
ajoaa-2044	24	22	dialect	dialect	NOUN
ajoaa-2044	24	23	of	of	ADP
ajoaa-2044	24	24	the	the	DET
ajoaa-2044	24	25	individual	individual	NOUN
ajoaa-2044	24	26	.	.	PUNCT
ajoaa-2044	25	1	it	it	PRON
ajoaa-2044	25	2	is	be	AUX
ajoaa-2044	25	3	a	a	DET
ajoaa-2044	25	4	type	type	NOUN
ajoaa-2044	25	5	of	of	ADP
ajoaa-2044	25	6	self	self	NOUN
ajoaa-2044	25	7	-	-	PUNCT
ajoaa-2044	25	8	help	help	NOUN
ajoaa-2044	25	9	for	for	ADP
ajoaa-2044	25	10	accessing	access	VERB
ajoaa-2044	25	11	a	a	DET
ajoaa-2044	25	12	relatively	relatively	ADV
ajoaa-2044	25	13	high	high	ADJ
ajoaa-2044	25	14	volume	volume	NOUN
ajoaa-2044	25	15	of	of	ADP
ajoaa-2044	25	16	loans	loan	NOUN
ajoaa-2044	25	17	either	either	CCONJ
ajoaa-2044	25	18	by	by	ADP
ajoaa-2044	25	19	rotation	rotation	NOUN
ajoaa-2044	25	20	or	or	CCONJ
ajoaa-2044	25	21	at	at	ADP
ajoaa-2044	25	22	request	request	NOUN
ajoaa-2044	25	23	(	(	PUNCT
ajoaa-2044	25	24	fadeyi	fadeyi	NOUN
ajoaa-2044	25	25	,	,	PUNCT
ajoaa-2044	25	26	2018	2018	NUM
ajoaa-2044	25	27	)	)	PUNCT
ajoaa-2044	25	28	.	.	PUNCT
ajoaa-2044	26	1	beyond	beyond	ADP
ajoaa-2044	26	2	the	the	DET
ajoaa-2044	26	3	esusu	esusu	PROPN
ajoaa-2044	26	4	is	be	AUX
ajoaa-2044	26	5	the	the	DET
ajoaa-2044	26	6	farmers	farmer	NOUN
ajoaa-2044	26	7	’	’	PART
ajoaa-2044	26	8	cooperative	cooperative	ADJ
ajoaa-2044	26	9	society	society	NOUN
ajoaa-2044	26	10	the	the	DET
ajoaa-2044	26	11	operation	operation	NOUN
ajoaa-2044	26	12	of	of	ADP
ajoaa-2044	26	13	which	which	PRON
ajoaa-2044	26	14	is	be	AUX
ajoaa-2044	26	15	guided	guide	VERB
ajoaa-2044	26	16	by	by	ADP
ajoaa-2044	26	17	rules	rule	NOUN
ajoaa-2044	26	18	,	,	PUNCT
ajoaa-2044	26	19	regulations	regulation	NOUN
ajoaa-2044	26	20	,	,	PUNCT
ajoaa-2044	26	21	and	and	CCONJ
ajoaa-2044	26	22	by	by	ADP
ajoaa-2044	26	23	-	-	PUNCT
ajoaa-2044	26	24	laws	law	NOUN
ajoaa-2044	26	25	provided	provide	VERB
ajoaa-2044	26	26	by	by	ADP
ajoaa-2044	26	27	the	the	DET
ajoaa-2044	26	28	designated	designate	VERB
ajoaa-2044	26	29	state	state	NOUN
ajoaa-2044	26	30	/	/	SYM
ajoaa-2044	26	31	federal	federal	ADJ
ajoaa-2044	26	32	government	government	NOUN
ajoaa-2044	26	33	ministry	ministry	PROPN
ajoaa-2044	26	34	.	.	PUNCT
ajoaa-2044	27	1	hence	hence	ADV
ajoaa-2044	27	2	in	in	ADP
ajoaa-2044	27	3	strict	strict	ADJ
ajoaa-2044	27	4	classification	classification	NOUN
ajoaa-2044	27	5	,	,	PUNCT
ajoaa-2044	27	6	it	it	PRON
ajoaa-2044	27	7	is	be	AUX
ajoaa-2044	27	8	described	describe	VERB
ajoaa-2044	27	9	as	as	ADP
ajoaa-2044	27	10	semi	semi	ADJ
ajoaa-2044	27	11	-	-	ADJ
ajoaa-2044	27	12	formal	formal	ADJ
ajoaa-2044	27	13	(	(	PUNCT
ajoaa-2044	27	14	silong	silong	NOUN
ajoaa-2044	27	15	and	and	CCONJ
ajoaa-2044	27	16	gadanakis	gadanaki	NOUN
ajoaa-2044	27	17	,	,	PUNCT
ajoaa-2044	27	18	2019	2019	NUM
ajoaa-2044	27	19	)	)	PUNCT
ajoaa-2044	27	20	or	or	CCONJ
ajoaa-2044	27	21	quasi	quasi	ADJ
ajoaa-2044	27	22	source	source	NOUN
ajoaa-2044	27	23	.	.	PUNCT
ajoaa-2044	28	1	still	still	ADV
ajoaa-2044	28	2	part	part	NOUN
ajoaa-2044	28	3	of	of	ADP
ajoaa-2044	28	4	informal	informal	ADJ
ajoaa-2044	28	5	sources	source	NOUN
ajoaa-2044	28	6	of	of	ADP
ajoaa-2044	28	7	loan	loan	NOUN
ajoaa-2044	28	8	is	be	AUX
ajoaa-2044	28	9	the	the	DET
ajoaa-2044	28	10	private	private	ADJ
ajoaa-2044	28	11	money	money	NOUN
ajoaa-2044	28	12	lenders	lender	NOUN
ajoaa-2044	28	13	.	.	PUNCT
ajoaa-2044	29	1	this	this	DET
ajoaa-2044	29	2	source	source	NOUN
ajoaa-2044	29	3	of	of	ADP
ajoaa-2044	29	4	loan	loan	NOUN
ajoaa-2044	29	5	is	be	AUX
ajoaa-2044	29	6	characterized	characterize	VERB
ajoaa-2044	29	7	by	by	ADP
ajoaa-2044	29	8	the	the	DET
ajoaa-2044	29	9	prohibitive	prohibitive	ADJ
ajoaa-2044	29	10	interest	interest	NOUN
ajoaa-2044	29	11	rates	rate	NOUN
ajoaa-2044	29	12	charged	charge	VERB
ajoaa-2044	29	13	on	on	ADP
ajoaa-2044	29	14	the	the	DET
ajoaa-2044	29	15	borrowed	borrow	VERB
ajoaa-2044	29	16	fund	fund	NOUN
ajoaa-2044	29	17	.	.	PUNCT
ajoaa-2044	30	1	they	they	PRON
ajoaa-2044	30	2	therefore	therefore	ADV
ajoaa-2044	30	3	only	only	ADV
ajoaa-2044	30	4	serve	serve	VERB
ajoaa-2044	30	5	as	as	ADP
ajoaa-2044	30	6	last	last	ADJ
ajoaa-2044	30	7	resort	resort	NOUN
ajoaa-2044	30	8	to	to	ADP
ajoaa-2044	30	9	smallholder	smallholder	NOUN
ajoaa-2044	30	10	farmers	farmer	NOUN
ajoaa-2044	30	11	.	.	PUNCT
ajoaa-2044	31	1	fadeyi	fadeyi	PROPN
ajoaa-2044	31	2	(	(	PUNCT
ajoaa-2044	31	3	2018	2018	NUM
ajoaa-2044	31	4	)	)	PUNCT
ajoaa-2044	31	5	recommend	recommend	VERB
ajoaa-2044	31	6	that	that	SCONJ
ajoaa-2044	31	7	it	it	PRON
ajoaa-2044	31	8	is	be	AUX
ajoaa-2044	31	9	better	well	ADJ
ajoaa-2044	31	10	to	to	PART
ajoaa-2044	31	11	avoid	avoid	VERB
ajoaa-2044	31	12	them	they	PRON
ajoaa-2044	31	13	.	.	PUNCT
ajoaa-2044	32	1	formal	formal	ADJ
ajoaa-2044	32	2	sources	source	NOUN
ajoaa-2044	32	3	of	of	ADP
ajoaa-2044	32	4	funds	fund	NOUN
ajoaa-2044	32	5	are	be	AUX
ajoaa-2044	32	6	outright	outright	ADJ
ajoaa-2044	32	7	loans	loan	NOUN
ajoaa-2044	32	8	(	(	PUNCT
ajoaa-2044	32	9	debt	debt	NOUN
ajoaa-2044	32	10	)	)	PUNCT
ajoaa-2044	32	11	funds	fund	NOUN
ajoaa-2044	32	12	.	.	PUNCT
ajoaa-2044	33	1	they	they	PRON
ajoaa-2044	33	2	come	come	VERB
ajoaa-2044	33	3	from	from	ADP
ajoaa-2044	33	4	widely	widely	ADV
ajoaa-2044	33	5	varied	varied	ADJ
ajoaa-2044	33	6	sources	source	NOUN
ajoaa-2044	33	7	in	in	ADP
ajoaa-2044	33	8	terms	term	NOUN
ajoaa-2044	33	9	of	of	ADP
ajoaa-2044	33	10	agency	agency	NOUN
ajoaa-2044	33	11	and	and	CCONJ
ajoaa-2044	33	12	instruments	instrument	NOUN
ajoaa-2044	33	13	for	for	ADP
ajoaa-2044	33	14	loan	loan	NOUN
ajoaa-2044	33	15	delivery	delivery	NOUN
ajoaa-2044	33	16	.	.	PUNCT
ajoaa-2044	34	1	here	here	ADV
ajoaa-2044	34	2	,	,	PUNCT
ajoaa-2044	34	3	the	the	DET
ajoaa-2044	34	4	use	use	NOUN
ajoaa-2044	34	5	of	of	ADP
ajoaa-2044	34	6	commercial	commercial	ADJ
ajoaa-2044	34	7	banks	bank	NOUN
ajoaa-2044	34	8	as	as	ADP
ajoaa-2044	34	9	a	a	DET
ajoaa-2044	34	10	source	source	NOUN
ajoaa-2044	34	11	of	of	ADP
ajoaa-2044	34	12	loan	loan	NOUN
ajoaa-2044	34	13	funds	fund	NOUN
ajoaa-2044	34	14	to	to	ADP
ajoaa-2044	34	15	the	the	DET
ajoaa-2044	34	16	smallholder	smallholder	NOUN
ajoaa-2044	34	17	to	to	ADP
ajoaa-2044	34	18	medium	medium	ADJ
ajoaa-2044	34	19	enterprise	enterprise	NOUN
ajoaa-2044	34	20	farmers	farmer	NOUN
ajoaa-2044	34	21	is	be	AUX
ajoaa-2044	34	22	assuming	assume	VERB
ajoaa-2044	34	23	greater	great	ADJ
ajoaa-2044	34	24	importance	importance	NOUN
ajoaa-2044	34	25	notwithstanding	notwithstanding	ADP
ajoaa-2044	34	26	the	the	DET
ajoaa-2044	34	27	stiff	stiff	ADJ
ajoaa-2044	34	28	conditions	condition	NOUN
ajoaa-2044	34	29	for	for	ADP
ajoaa-2044	34	30	obtaining	obtain	VERB
ajoaa-2044	34	31	such	such	ADJ
ajoaa-2044	34	32	loans	loan	NOUN
ajoaa-2044	34	33	and	and	CCONJ
ajoaa-2044	34	34	the	the	DET
ajoaa-2044	34	35	high	high	ADJ
ajoaa-2044	34	36	-	-	PUNCT
ajoaa-2044	34	37	interest	interest	NOUN
ajoaa-2044	34	38	rate	rate	NOUN
ajoaa-2044	34	39	charged	charge	VERB
ajoaa-2044	34	40	(	(	PUNCT
ajoaa-2044	34	41	fadeyi	fadeyi	NOUN
ajoaa-2044	34	42	,	,	PUNCT
ajoaa-2044	34	43	2018	2018	NUM
ajoaa-2044	34	44	)	)	PUNCT
ajoaa-2044	34	45	coupled	couple	VERB
ajoaa-2044	34	46	with	with	ADP
ajoaa-2044	34	47	the	the	DET
ajoaa-2044	34	48	high	high	ADJ
ajoaa-2044	34	49	competition	competition	NOUN
ajoaa-2044	34	50	from	from	ADP
ajoaa-2044	34	51	investors	investor	NOUN
ajoaa-2044	34	52	,	,	PUNCT
ajoaa-2044	34	53	especially	especially	ADV
ajoaa-2044	34	54	from	from	ADP
ajoaa-2044	34	55	the	the	DET
ajoaa-2044	34	56	industrial	industrial	ADJ
ajoaa-2044	34	57	sector	sector	NOUN
ajoaa-2044	34	58	.	.	PUNCT
ajoaa-2044	35	1	these	these	DET
ajoaa-2044	35	2	factors	factor	NOUN
ajoaa-2044	35	3	acting	act	VERB
ajoaa-2044	35	4	together	together	ADV
ajoaa-2044	35	5	effectively	effectively	ADV
ajoaa-2044	35	6	curtail	curtail	VERB
ajoaa-2044	35	7	loan	loan	NOUN
ajoaa-2044	35	8	access	access	NOUN
ajoaa-2044	35	9	by	by	ADP
ajoaa-2044	35	10	farmers	farmer	NOUN
ajoaa-2044	35	11	such	such	ADJ
ajoaa-2044	35	12	as	as	ADP
ajoaa-2044	35	13	to	to	PART
ajoaa-2044	35	14	make	make	VERB
ajoaa-2044	35	15	for	for	ADP
ajoaa-2044	35	16	poor	poor	ADJ
ajoaa-2044	35	17	access	access	NOUN
ajoaa-2044	35	18	(	(	PUNCT
ajoaa-2044	35	19	rahji	rahji	NOUN
ajoaa-2044	35	20	and	and	CCONJ
ajoaa-2044	35	21	adeoti	adeoti	PROPN
ajoaa-2044	35	22	,	,	PUNCT
ajoaa-2044	35	23	2010	2010	NUM
ajoaa-2044	35	24	)	)	PUNCT
ajoaa-2044	35	25	.	.	PUNCT
ajoaa-2044	36	1	commercial	commercial	ADJ
ajoaa-2044	36	2	banks	bank	NOUN
ajoaa-2044	36	3	'	'	PART
ajoaa-2044	36	4	unwillingness	unwillingness	NOUN
ajoaa-2044	36	5	to	to	PART
ajoaa-2044	36	6	advance	advance	VERB
ajoaa-2044	36	7	adequate	adequate	ADJ
ajoaa-2044	36	8	volume	volume	NOUN
ajoaa-2044	36	9	and	and	CCONJ
ajoaa-2044	36	10	the	the	DET
ajoaa-2044	36	11	number	number	NOUN
ajoaa-2044	36	12	of	of	ADP
ajoaa-2044	36	13	loans	loan	NOUN
ajoaa-2044	36	14	to	to	ADP
ajoaa-2044	36	15	the	the	DET
ajoaa-2044	36	16	smallholder	smallholder	NOUN
ajoaa-2044	36	17	farmers	farmer	NOUN
ajoaa-2044	36	18	may	may	AUX
ajoaa-2044	36	19	be	be	AUX
ajoaa-2044	36	20	further	far	ADV
ajoaa-2044	36	21	accounted	account	VERB
ajoaa-2044	36	22	for	for	ADP
ajoaa-2044	36	23	by	by	ADP
ajoaa-2044	36	24	the	the	DET
ajoaa-2044	36	25	non	non	NOUN
ajoaa-2044	36	26	-	-	NOUN
ajoaa-2044	36	27	realization	realization	NOUN
ajoaa-2044	36	28	of	of	ADP
ajoaa-2044	36	29	expected	expect	VERB
ajoaa-2044	36	30	impacts	impact	NOUN
ajoaa-2044	36	31	of	of	ADP
ajoaa-2044	36	32	such	such	ADJ
ajoaa-2044	36	33	loans	loan	NOUN
ajoaa-2044	36	34	(	(	PUNCT
ajoaa-2044	36	35	fadeyi	fadeyi	NOUN
ajoaa-2044	36	36	,	,	PUNCT
ajoaa-2044	36	37	2018	2018	NUM
ajoaa-2044	36	38	)	)	PUNCT
ajoaa-2044	36	39	.	.	PUNCT
ajoaa-2044	37	1	this	this	DET
ajoaa-2044	37	2	conclusion	conclusion	NOUN
ajoaa-2044	37	3	was	be	AUX
ajoaa-2044	37	4	reached	reach	VERB
ajoaa-2044	37	5	by	by	ADP
ajoaa-2044	37	6	the	the	DET
ajoaa-2044	37	7	author	author	NOUN
ajoaa-2044	37	8	after	after	ADP
ajoaa-2044	37	9	reviewing	review	VERB
ajoaa-2044	37	10	59	59	NUM
ajoaa-2044	37	11	relevant	relevant	ADJ
ajoaa-2044	37	12	articles	article	NOUN
ajoaa-2044	37	13	.	.	PUNCT
ajoaa-2044	38	1	however	however	ADV
ajoaa-2044	38	2	,	,	PUNCT
ajoaa-2044	38	3	the	the	DET
ajoaa-2044	38	4	existence	existence	NOUN
ajoaa-2044	38	5	of	of	ADP
ajoaa-2044	38	6	a	a	DET
ajoaa-2044	38	7	positive	positive	ADJ
ajoaa-2044	38	8	correlation	correlation	NOUN
ajoaa-2044	38	9	between	between	ADP
ajoaa-2044	38	10	loan	loan	NOUN
ajoaa-2044	38	11	and	and	CCONJ
ajoaa-2044	38	12	farm	farm	NOUN
ajoaa-2044	38	13	output	output	NOUN
ajoaa-2044	38	14	is	be	AUX
ajoaa-2044	38	15	not	not	PART
ajoaa-2044	38	16	removed	remove	VERB
ajoaa-2044	38	17	(	(	PUNCT
ajoaa-2044	38	18	oyelade	oyelade	VERB
ajoaa-2044	38	19	et	et	PROPN
ajoaa-2044	38	20	al	al	PROPN
ajoaa-2044	38	21	.	.	PROPN
ajoaa-2044	38	22	,	,	PUNCT
ajoaa-2044	38	23	2019	2019	NUM
ajoaa-2044	38	24	)	)	PUNCT
ajoaa-2044	38	25	.	.	PUNCT
ajoaa-2044	39	1	the	the	DET
ajoaa-2044	39	2	scale	scale	NOUN
ajoaa-2044	39	3	of	of	ADP
ajoaa-2044	39	4	development	development	NOUN
ajoaa-2044	39	5	activity	activity	NOUN
ajoaa-2044	39	6	could	could	AUX
ajoaa-2044	39	7	affect	affect	VERB
ajoaa-2044	39	8	the	the	DET
ajoaa-2044	39	9	relevance	relevance	NOUN
ajoaa-2044	39	10	of	of	ADP
ajoaa-2044	39	11	any	any	DET
ajoaa-2044	39	12	loan	loan	NOUN
ajoaa-2044	39	13	source	source	NOUN
ajoaa-2044	39	14	to	to	ADP
ajoaa-2044	39	15	an	an	DET
ajoaa-2044	39	16	intending	intend	VERB
ajoaa-2044	39	17	borrower	borrower	NOUN
ajoaa-2044	39	18	since	since	SCONJ
ajoaa-2044	39	19	the	the	DET
ajoaa-2044	39	20	capacity	capacity	NOUN
ajoaa-2044	39	21	of	of	ADP
ajoaa-2044	39	22	a	a	DET
ajoaa-2044	39	23	particular	particular	ADJ
ajoaa-2044	39	24	loan	loan	NOUN
ajoaa-2044	39	25	source	source	NOUN
ajoaa-2044	39	26	to	to	PART
ajoaa-2044	39	27	meet	meet	VERB
ajoaa-2044	39	28	the	the	DET
ajoaa-2044	39	29	loan	loan	NOUN
ajoaa-2044	39	30	requirement	requirement	NOUN
ajoaa-2044	39	31	of	of	ADP
ajoaa-2044	39	32	a	a	DET
ajoaa-2044	39	33	development	development	NOUN
ajoaa-2044	39	34	project	project	NOUN
ajoaa-2044	39	35	may	may	AUX
ajoaa-2044	39	36	be	be	AUX
ajoaa-2044	39	37	grossly	grossly	ADV
ajoaa-2044	39	38	inadequate	inadequate	ADJ
ajoaa-2044	39	39	.	.	PUNCT
ajoaa-2044	40	1	waniak	waniak	PROPN
ajoaa-2044	40	2	et	et	PROPN
ajoaa-2044	40	3	al	al	PROPN
ajoaa-2044	40	4	.	.	PROPN
ajoaa-2044	41	1	(	(	PUNCT
ajoaa-2044	41	2	2018	2018	NUM
ajoaa-2044	41	3	)	)	PUNCT
ajoaa-2044	41	4	for	for	ADP
ajoaa-2044	41	5	example	example	NOUN
ajoaa-2044	41	6	,	,	PUNCT
ajoaa-2044	41	7	do	do	AUX
ajoaa-2044	41	8	not	not	PART
ajoaa-2044	41	9	recognize	recognize	VERB
ajoaa-2044	41	10	personal	personal	ADJ
ajoaa-2044	41	11	savings	saving	NOUN
ajoaa-2044	41	12	and	and	CCONJ
ajoaa-2044	41	13	funds	fund	NOUN
ajoaa-2044	41	14	from	from	ADP
ajoaa-2044	41	15	friends	friend	NOUN
ajoaa-2044	41	16	and	and	CCONJ
ajoaa-2044	41	17	family	family	NOUN
ajoaa-2044	41	18	as	as	ADP
ajoaa-2044	41	19	a	a	DET
ajoaa-2044	41	20	source	source	NOUN
ajoaa-2044	41	21	of	of	ADP
ajoaa-2044	41	22	financing	finance	VERB
ajoaa-2044	41	23	development	development	NOUN
ajoaa-2044	41	24	activity	activity	NOUN
ajoaa-2044	41	25	but	but	CCONJ
ajoaa-2044	41	26	give	give	VERB
ajoaa-2044	41	27	high	high	ADJ
ajoaa-2044	41	28	recognition	recognition	NOUN
ajoaa-2044	41	29	to	to	ADP
ajoaa-2044	41	30	bank	bank	NOUN
ajoaa-2044	41	31	loans	loan	NOUN
ajoaa-2044	41	32	,	,	PUNCT
ajoaa-2044	41	33	leasing	leasing	NOUN
ajoaa-2044	41	34	,	,	PUNCT
ajoaa-2044	41	35	franchise	franchise	NOUN
ajoaa-2044	41	36	,	,	PUNCT
ajoaa-2044	41	37	and	and	CCONJ
ajoaa-2044	41	38	capital	capital	NOUN
ajoaa-2044	41	39	market	market	NOUN
ajoaa-2044	41	40	.	.	PUNCT
ajoaa-2044	42	1	these	these	DET
ajoaa-2044	42	2	sources	source	NOUN
ajoaa-2044	42	3	of	of	ADP
ajoaa-2044	42	4	credit	credit	NOUN
ajoaa-2044	42	5	funds	fund	NOUN
ajoaa-2044	42	6	which	which	PRON
ajoaa-2044	42	7	attracts	attract	VERB
ajoaa-2044	42	8	relatively	relatively	ADV
ajoaa-2044	42	9	low	low	ADJ
ajoaa-2044	42	10	-	-	PUNCT
ajoaa-2044	42	11	interest	interest	NOUN
ajoaa-2044	42	12	rate	rate	NOUN
ajoaa-2044	42	13	we	we	PRON
ajoaa-2044	42	14	have	have	AUX
ajoaa-2044	42	15	noted	note	VERB
ajoaa-2044	42	16	are	be	AUX
ajoaa-2044	42	17	not	not	PART
ajoaa-2044	42	18	easily	easily	ADV
ajoaa-2044	42	19	accessible	accessible	ADJ
ajoaa-2044	42	20	to	to	ADP
ajoaa-2044	42	21	the	the	DET
ajoaa-2044	42	22	resource	resource	NOUN
ajoaa-2044	42	23	-	-	PUNCT
ajoaa-2044	42	24	poor	poor	ADJ
ajoaa-2044	42	25	farmers	farmer	NOUN
ajoaa-2044	42	26	,	,	PUNCT
ajoaa-2044	42	27	hence	hence	ADV
ajoaa-2044	42	28	sources	source	NOUN
ajoaa-2044	42	29	such	such	ADJ
ajoaa-2044	42	30	as	as	ADP
ajoaa-2044	42	31	capital	capital	NOUN
ajoaa-2044	42	32	market	market	NOUN
ajoaa-2044	42	33	,	,	PUNCT
ajoaa-2044	42	34	leasing	leasing	NOUN
ajoaa-2044	42	35	and	and	CCONJ
ajoaa-2044	42	36	franchise	franchise	NOUN
ajoaa-2044	42	37	may	may	AUX
ajoaa-2044	42	38	not	not	PART
ajoaa-2044	42	39	also	also	ADV
ajoaa-2044	42	40	be	be	AUX
ajoaa-2044	42	41	recognized	recognize	VERB
ajoaa-2044	42	42	or	or	CCONJ
ajoaa-2044	42	43	counted	count	VERB
ajoaa-2044	42	44	as	as	ADP
ajoaa-2044	42	45	sources	source	NOUN
ajoaa-2044	42	46	of	of	ADP
ajoaa-2044	42	47	loan	loan	NOUN
ajoaa-2044	42	48	for	for	ADP
ajoaa-2044	42	49	the	the	DET
ajoaa-2044	42	50	resource	resource	NOUN
ajoaa-2044	42	51	-	-	PUNCT
ajoaa-2044	42	52	poor	poor	ADJ
ajoaa-2044	42	53	farmer	farmer	NOUN
ajoaa-2044	42	54	.	.	PUNCT
ajoaa-2044	43	1	farmers	farmer	NOUN
ajoaa-2044	43	2	are	be	AUX
ajoaa-2044	43	3	resource	resource	NOUN
ajoaa-2044	43	4	-	-	PUNCT
ajoaa-2044	43	5	poor	poor	ADJ
ajoaa-2044	43	6	and	and	CCONJ
ajoaa-2044	43	7	farm	farm	NOUN
ajoaa-2044	43	8	productivity	productivity	NOUN
ajoaa-2044	43	9	and	and	CCONJ
ajoaa-2044	43	10	output	output	NOUN
ajoaa-2044	43	11	are	be	AUX
ajoaa-2044	43	12	low	low	ADJ
ajoaa-2044	43	13	whereas	whereas	SCONJ
ajoaa-2044	43	14	the	the	DET
ajoaa-2044	43	15	average	average	ADJ
ajoaa-2044	43	16	size	size	NOUN
ajoaa-2044	43	17	of	of	ADP
ajoaa-2044	43	18	the	the	DET
ajoaa-2044	43	19	farm	farm	NOUN
ajoaa-2044	43	20	family	family	NOUN
ajoaa-2044	43	21	is	be	AUX
ajoaa-2044	43	22	large	large	ADJ
ajoaa-2044	43	23	(	(	PUNCT
ajoaa-2044	43	24	anderson	anderson	PROPN
ajoaa-2044	43	25	et	et	PROPN
ajoaa-2044	43	26	al	al	PROPN
ajoaa-2044	43	27	.	.	PROPN
ajoaa-2044	43	28	,	,	PUNCT
ajoaa-2044	43	29	2017	2017	NUM
ajoaa-2044	43	30	)	)	PUNCT
ajoaa-2044	43	31	.	.	PUNCT
ajoaa-2044	44	1	farm	farm	NOUN
ajoaa-2044	44	2	income	income	NOUN
ajoaa-2044	44	3	alone	alone	ADV
ajoaa-2044	44	4	is	be	AUX
ajoaa-2044	44	5	therefore	therefore	ADV
ajoaa-2044	44	6	inadequate	inadequate	ADJ
ajoaa-2044	44	7	to	to	PART
ajoaa-2044	44	8	satisfy	satisfy	VERB
ajoaa-2044	44	9	the	the	DET
ajoaa-2044	44	10	family	family	NOUN
ajoaa-2044	44	11	consumption	consumption	NOUN
ajoaa-2044	44	12	needs	need	NOUN
ajoaa-2044	44	13	.	.	PUNCT
ajoaa-2044	45	1	that	that	SCONJ
ajoaa-2044	45	2	these	these	DET
ajoaa-2044	45	3	farmers	farmer	NOUN
ajoaa-2044	45	4	save	save	VERB
ajoaa-2044	45	5	at	at	ADV
ajoaa-2044	45	6	all	all	ADV
ajoaa-2044	45	7	,	,	PUNCT
ajoaa-2044	45	8	therefore	therefore	ADV
ajoaa-2044	45	9	,	,	PUNCT
ajoaa-2044	45	10	requires	require	VERB
ajoaa-2044	45	11	a	a	DET
ajoaa-2044	45	12	deliberate	deliberate	ADJ
ajoaa-2044	45	13	determination	determination	NOUN
ajoaa-2044	45	14	to	to	PART
ajoaa-2044	45	15	defer	defer	VERB
ajoaa-2044	45	16	current	current	ADJ
ajoaa-2044	45	17	consumption	consumption	NOUN
ajoaa-2044	45	18	.	.	PUNCT
ajoaa-2044	46	1	thus	thus	ADV
ajoaa-2044	46	2	savings	saving	NOUN
ajoaa-2044	46	3	made	make	VERB
ajoaa-2044	46	4	whether	whether	SCONJ
ajoaa-2044	46	5	in	in	ADP
ajoaa-2044	46	6	cash	cash	NOUN
ajoaa-2044	46	7	or	or	CCONJ
ajoaa-2044	46	8	kind	kind	NOUN
ajoaa-2044	46	9	can	can	AUX
ajoaa-2044	46	10	hardly	hardly	ADV
ajoaa-2044	46	11	be	be	AUX
ajoaa-2044	46	12	adequate	adequate	ADJ
ajoaa-2044	46	13	for	for	ADP
ajoaa-2044	46	14	the	the	DET
ajoaa-2044	46	15	farm	farm	NOUN
ajoaa-2044	46	16	business	business	NOUN
ajoaa-2044	46	17	needs	need	NOUN
ajoaa-2044	46	18	.	.	PUNCT
ajoaa-2044	47	1	this	this	PRON
ajoaa-2044	47	2	is	be	AUX
ajoaa-2044	47	3	to	to	PART
ajoaa-2044	47	4	say	say	VERB
ajoaa-2044	47	5	that	that	SCONJ
ajoaa-2044	47	6	farmers	farmer	NOUN
ajoaa-2044	47	7	’	’	PART
ajoaa-2044	47	8	savings	saving	NOUN
ajoaa-2044	47	9	as	as	ADP
ajoaa-2044	47	10	a	a	DET
ajoaa-2044	47	11	source	source	NOUN
ajoaa-2044	47	12	of	of	ADP
ajoaa-2044	47	13	investment	investment	NOUN
ajoaa-2044	47	14	fund	fund	NOUN
ajoaa-2044	47	15	for	for	ADP
ajoaa-2044	47	16	agriculture	agriculture	NOUN
ajoaa-2044	47	17	(	(	PUNCT
ajoaa-2044	47	18	odoemenem	odoemenem	NOUN
ajoaa-2044	47	19	et	et	PROPN
ajoaa-2044	47	20	al	al	PROPN
ajoaa-2044	47	21	.	.	PROPN
ajoaa-2044	47	22	,	,	PUNCT
ajoaa-2044	47	23	2013	2013	NUM
ajoaa-2044	47	24	)	)	PUNCT
ajoaa-2044	47	25	are	be	AUX
ajoaa-2044	47	26	hidebound	hidebound	ADJ
ajoaa-2044	47	27	.	.	PUNCT
ajoaa-2044	48	1	however	however	ADV
ajoaa-2044	48	2	,	,	PUNCT
ajoaa-2044	48	3	saving	saving	NOUN
ajoaa-2044	48	4	enhances	enhance	VERB
ajoaa-2044	48	5	the	the	DET
ajoaa-2044	48	6	framers	framer	NOUN
ajoaa-2044	48	7	’	’	PART
ajoaa-2044	48	8	credit	credit	NOUN
ajoaa-2044	48	9	rating	rating	NOUN
ajoaa-2044	48	10	for	for	ADP
ajoaa-2044	48	11	loan	loan	NOUN
ajoaa-2044	48	12	access	access	NOUN
ajoaa-2044	48	13	and	and	CCONJ
ajoaa-2044	48	14	serves	serve	VERB
ajoaa-2044	48	15	as	as	ADP
ajoaa-2044	48	16	a	a	DET
ajoaa-2044	48	17	risk	risk	NOUN
ajoaa-2044	48	18	management	management	NOUN
ajoaa-2044	48	19	strategy	strategy	NOUN
ajoaa-2044	48	20	(	(	PUNCT
ajoaa-2044	48	21	zeller	zeller	NOUN
ajoaa-2044	48	22	and	and	CCONJ
ajoaa-2044	48	23	sharma	sharma	PROPN
ajoaa-2044	48	24	,	,	PUNCT
ajoaa-2044	48	25	2000	2000	NUM
ajoaa-2044	48	26	)	)	PUNCT
ajoaa-2044	48	27	.	.	PUNCT
ajoaa-2044	49	1	that	that	DET
ajoaa-2044	49	2	saving	saving	NOUN
ajoaa-2044	49	3	enhances	enhance	VERB
ajoaa-2044	49	4	farmers	farmer	NOUN
ajoaa-2044	49	5	’	'	PUNCT
ajoaa-2044	49	6	access	access	NOUN
ajoaa-2044	49	7	to	to	ADP
ajoaa-2044	49	8	credit	credit	NOUN
ajoaa-2044	49	9	further	far	ADV
ajoaa-2044	49	10	amplify	amplify	VERB
ajoaa-2044	49	11	the	the	DET
ajoaa-2044	49	12	compulsion	compulsion	NOUN
ajoaa-2044	49	13	to	to	PART
ajoaa-2044	49	14	save	save	VERB
ajoaa-2044	49	15	if	if	SCONJ
ajoaa-2044	49	16	the	the	DET
ajoaa-2044	49	17	farmers	farmer	NOUN
ajoaa-2044	49	18	must	must	AUX
ajoaa-2044	49	19	access	access	VERB
ajoaa-2044	49	20	bank	bank	NOUN
ajoaa-2044	49	21	loans	loan	NOUN
ajoaa-2044	49	22	.	.	PUNCT
ajoaa-2044	50	1	apart	apart	ADV
ajoaa-2044	50	2	from	from	ADP
ajoaa-2044	50	3	farm	farm	NOUN
ajoaa-2044	50	4	income	income	NOUN
ajoaa-2044	50	5	,	,	PUNCT
ajoaa-2044	50	6	various	various	ADJ
ajoaa-2044	50	7	other	other	ADJ
ajoaa-2044	50	8	factors	factor	NOUN
ajoaa-2044	50	9	influence	influence	NOUN
ajoaa-2044	50	10	farmers	farmer	NOUN
ajoaa-2044	50	11	’	'	PUNCT
ajoaa-2044	50	12	saving	save	VERB
ajoaa-2044	50	13	ability	ability	NOUN
ajoaa-2044	50	14	.	.	PUNCT
ajoaa-2044	51	1	these	these	DET
ajoaa-2044	51	2	factors	factor	NOUN
ajoaa-2044	51	3	replete	replete	ADJ
ajoaa-2044	51	4	economics	economic	NOUN
ajoaa-2044	51	5	literature	literature	NOUN
ajoaa-2044	51	6	,	,	PUNCT
ajoaa-2044	51	7	however	however	ADV
ajoaa-2044	51	8	,	,	PUNCT
ajoaa-2044	51	9	some	some	PRON
ajoaa-2044	51	10	of	of	ADP
ajoaa-2044	51	11	them	they	PRON
ajoaa-2044	51	12	are	be	AUX
ajoaa-2044	51	13	the	the	DET
ajoaa-2044	51	14	willingness	willingness	NOUN
ajoaa-2044	51	15	to	to	PART
ajoaa-2044	51	16	save	save	VERB
ajoaa-2044	51	17	,	,	PUNCT
ajoaa-2044	51	18	educational	educational	ADJ
ajoaa-2044	51	19	level	level	NOUN
ajoaa-2044	51	20	,	,	PUNCT
ajoaa-2044	51	21	and	and	CCONJ
ajoaa-2044	51	22	occupation	occupation	NOUN
ajoaa-2044	51	23	,	,	PUNCT
ajoaa-2044	51	24	among	among	ADP
ajoaa-2044	51	25	others	other	NOUN
ajoaa-2044	51	26	.	.	PUNCT
ajoaa-2044	52	1	these	these	DET
ajoaa-2044	52	2	variables	variable	NOUN
ajoaa-2044	52	3	change	change	VERB
ajoaa-2044	52	4	over	over	ADP
ajoaa-2044	52	5	time	time	NOUN
ajoaa-2044	52	6	and	and	CCONJ
ajoaa-2044	52	7	responses	response	NOUN
ajoaa-2044	52	8	to	to	ADP
ajoaa-2044	52	9	them	they	PRON
ajoaa-2044	52	10	also	also	ADV
ajoaa-2044	52	11	vary	vary	VERB
ajoaa-2044	52	12	depending	depend	VERB
ajoaa-2044	52	13	on	on	ADP
ajoaa-2044	52	14	the	the	DET
ajoaa-2044	52	15	socioeconomic	socioeconomic	ADJ
ajoaa-2044	52	16	environments	environment	NOUN
ajoaa-2044	52	17	(	(	PUNCT
ajoaa-2044	52	18	anang	anang	PROPN
ajoaa-2044	52	19	et	et	PROPN
ajoaa-2044	52	20	al	al	PROPN
ajoaa-2044	52	21	.	.	PROPN
ajoaa-2044	52	22	,	,	PUNCT
ajoaa-2044	52	23	2015	2015	NUM
ajoaa-2044	52	24	)	)	PUNCT
ajoaa-2044	52	25	and	and	CCONJ
ajoaa-2044	52	26	the	the	DET
ajoaa-2044	52	27	personal	personal	ADJ
ajoaa-2044	52	28	characteristics	characteristic	NOUN
ajoaa-2044	52	29	asian	asian	PROPN
ajoaa-2044	52	30	journal	journal	PROPN
ajoaa-2044	52	31	of	of	ADP
ajoaa-2044	52	32	agriculture	agriculture	NOUN
ajoaa-2044	52	33	and	and	CCONJ
ajoaa-2044	52	34	rural	rural	ADJ
ajoaa-2044	52	35	development	development	NOUN
ajoaa-2044	52	36	,	,	PUNCT
ajoaa-2044	52	37	10(1)2020	10(1)2020	NUM
ajoaa-2044	52	38	:	:	PUNCT
ajoaa-2044	52	39	406	406	NUM
ajoaa-2044	52	40	-	-	SYM
ajoaa-2044	52	41	419	419	NUM
ajoaa-2044	52	42	408	408	NUM
ajoaa-2044	52	43	of	of	ADP
ajoaa-2044	52	44	the	the	DET
ajoaa-2044	52	45	individual	individual	ADJ
ajoaa-2044	52	46	farmer	farmer	NOUN
ajoaa-2044	52	47	which	which	PRON
ajoaa-2044	52	48	also	also	ADV
ajoaa-2044	52	49	,	,	PUNCT
ajoaa-2044	52	50	is	be	AUX
ajoaa-2044	52	51	subject	subject	ADJ
ajoaa-2044	52	52	to	to	ADP
ajoaa-2044	52	53	change	change	NOUN
ajoaa-2044	52	54	.	.	PUNCT
ajoaa-2044	53	1	research	research	NOUN
ajoaa-2044	53	2	results	result	NOUN
ajoaa-2044	53	3	from	from	ADP
ajoaa-2044	53	4	one	one	NUM
ajoaa-2044	53	5	area	area	NOUN
ajoaa-2044	53	6	may	may	AUX
ajoaa-2044	53	7	therefore	therefore	ADV
ajoaa-2044	53	8	not	not	PART
ajoaa-2044	53	9	reflect	reflect	VERB
ajoaa-2044	53	10	adequately	adequately	ADV
ajoaa-2044	53	11	conditions	condition	NOUN
ajoaa-2044	53	12	in	in	ADP
ajoaa-2044	53	13	another	another	DET
ajoaa-2044	53	14	area	area	NOUN
ajoaa-2044	53	15	neither	neither	CCONJ
ajoaa-2044	53	16	can	can	AUX
ajoaa-2044	53	17	it	it	PRON
ajoaa-2044	53	18	be	be	AUX
ajoaa-2044	53	19	valid	valid	ADJ
ajoaa-2044	53	20	for	for	ADP
ajoaa-2044	53	21	all	all	DET
ajoaa-2044	53	22	time	time	NOUN
ajoaa-2044	53	23	,	,	PUNCT
ajoaa-2044	53	24	hence	hence	ADV
ajoaa-2044	53	25	the	the	DET
ajoaa-2044	53	26	need	need	NOUN
ajoaa-2044	53	27	for	for	ADP
ajoaa-2044	53	28	continuous	continuous	ADJ
ajoaa-2044	53	29	studies	study	NOUN
ajoaa-2044	53	30	which	which	PRON
ajoaa-2044	53	31	will	will	AUX
ajoaa-2044	53	32	facilitate	facilitate	VERB
ajoaa-2044	53	33	keeping	keep	VERB
ajoaa-2044	53	34	tab	tab	NOUN
ajoaa-2044	53	35	of	of	ADP
ajoaa-2044	53	36	the	the	DET
ajoaa-2044	53	37	changing	change	VERB
ajoaa-2044	53	38	socioeconomic	socioeconomic	ADJ
ajoaa-2044	53	39	environment	environment	NOUN
ajoaa-2044	53	40	to	to	PART
ajoaa-2044	53	41	influence	influence	VERB
ajoaa-2044	53	42	it	it	PRON
ajoaa-2044	53	43	in	in	ADP
ajoaa-2044	53	44	favour	favour	NOUN
ajoaa-2044	53	45	of	of	ADP
ajoaa-2044	53	46	effective	effective	ADJ
ajoaa-2044	53	47	management	management	NOUN
ajoaa-2044	53	48	of	of	ADP
ajoaa-2044	53	49	the	the	DET
ajoaa-2044	53	50	attitude	attitude	NOUN
ajoaa-2044	53	51	and	and	CCONJ
ajoaa-2044	53	52	behaviour	behaviour	NOUN
ajoaa-2044	53	53	of	of	ADP
ajoaa-2044	53	54	farmers	farmer	NOUN
ajoaa-2044	53	55	towards	towards	ADP
ajoaa-2044	53	56	saving	saving	NOUN
ajoaa-2044	53	57	.	.	PUNCT
ajoaa-2044	54	1	agriculture	agriculture	NOUN
ajoaa-2044	54	2	as	as	ADP
ajoaa-2044	54	3	a	a	DET
ajoaa-2044	54	4	major	major	ADJ
ajoaa-2044	54	5	employer	employer	NOUN
ajoaa-2044	54	6	of	of	ADP
ajoaa-2044	54	7	labour	labour	NOUN
ajoaa-2044	54	8	in	in	ADP
ajoaa-2044	54	9	nigeria	nigeria	PROPN
ajoaa-2044	54	10	engages	engage	VERB
ajoaa-2044	54	11	about	about	ADP
ajoaa-2044	54	12	70	70	NUM
ajoaa-2044	54	13	%	%	NOUN
ajoaa-2044	54	14	of	of	ADP
ajoaa-2044	54	15	the	the	DET
ajoaa-2044	54	16	population	population	NOUN
ajoaa-2044	54	17	.	.	PUNCT
ajoaa-2044	55	1	by	by	ADP
ajoaa-2044	55	2	this	this	PRON
ajoaa-2044	55	3	,	,	PUNCT
ajoaa-2044	55	4	agriculture	agriculture	NOUN
ajoaa-2044	55	5	serves	serve	VERB
ajoaa-2044	55	6	as	as	ADP
ajoaa-2044	55	7	a	a	DET
ajoaa-2044	55	8	source	source	NOUN
ajoaa-2044	55	9	of	of	ADP
ajoaa-2044	55	10	income	income	NOUN
ajoaa-2044	55	11	to	to	ADP
ajoaa-2044	55	12	a	a	DET
ajoaa-2044	55	13	large	large	ADJ
ajoaa-2044	55	14	proportion	proportion	NOUN
ajoaa-2044	55	15	of	of	ADP
ajoaa-2044	55	16	the	the	DET
ajoaa-2044	55	17	population	population	NOUN
ajoaa-2044	55	18	.	.	PUNCT
ajoaa-2044	56	1	however	however	ADV
ajoaa-2044	56	2	,	,	PUNCT
ajoaa-2044	56	3	the	the	DET
ajoaa-2044	56	4	sector	sector	NOUN
ajoaa-2044	56	5	provides	provide	VERB
ajoaa-2044	56	6	a	a	DET
ajoaa-2044	56	7	low	low	ADJ
ajoaa-2044	56	8	capacity	capacity	NOUN
ajoaa-2044	56	9	for	for	ADP
ajoaa-2044	56	10	savings	saving	NOUN
ajoaa-2044	56	11	,	,	PUNCT
ajoaa-2044	56	12	worse	bad	ADJ
ajoaa-2044	56	13	still	still	ADV
ajoaa-2044	56	14	a	a	DET
ajoaa-2044	56	15	capacity	capacity	NOUN
ajoaa-2044	56	16	that	that	PRON
ajoaa-2044	56	17	is	be	AUX
ajoaa-2044	56	18	on	on	ADP
ajoaa-2044	56	19	a	a	DET
ajoaa-2044	56	20	downturn	downturn	NOUN
ajoaa-2044	56	21	.	.	PUNCT
ajoaa-2044	57	1	thus	thus	ADV
ajoaa-2044	57	2	agriculture	agriculture	NOUN
ajoaa-2044	57	3	offers	offer	VERB
ajoaa-2044	57	4	little	little	ADJ
ajoaa-2044	57	5	or	or	CCONJ
ajoaa-2044	57	6	no	no	PRON
ajoaa-2044	57	7	opportunity	opportunity	NOUN
ajoaa-2044	57	8	for	for	ADP
ajoaa-2044	57	9	escaping	escape	VERB
ajoaa-2044	57	10	out	out	ADP
ajoaa-2044	57	11	of	of	ADP
ajoaa-2044	57	12	the	the	DET
ajoaa-2044	57	13	cycle	cycle	NOUN
ajoaa-2044	57	14	of	of	ADP
ajoaa-2044	57	15	poverty	poverty	NOUN
ajoaa-2044	57	16	(	(	PUNCT
ajoaa-2044	57	17	albu	albu	PROPN
ajoaa-2044	57	18	and	and	CCONJ
ajoaa-2044	57	19	scott	scott	PROPN
ajoaa-2044	57	20	,	,	PUNCT
ajoaa-2044	57	21	2001	2001	NUM
ajoaa-2044	57	22	;	;	PUNCT
ajoaa-2044	57	23	anderson	anderson	PROPN
ajoaa-2044	57	24	et	et	PROPN
ajoaa-2044	57	25	al	al	PROPN
ajoaa-2044	57	26	.	.	PROPN
ajoaa-2044	57	27	,	,	PUNCT
ajoaa-2044	57	28	2017	2017	NUM
ajoaa-2044	57	29	)	)	PUNCT
ajoaa-2044	57	30	without	without	ADP
ajoaa-2044	57	31	elaborate	elaborate	ADJ
ajoaa-2044	57	32	intervention	intervention	NOUN
ajoaa-2044	57	33	.	.	PUNCT
ajoaa-2044	58	1	given	give	VERB
ajoaa-2044	58	2	that	that	SCONJ
ajoaa-2044	58	3	the	the	DET
ajoaa-2044	58	4	factors	factor	NOUN
ajoaa-2044	58	5	that	that	PRON
ajoaa-2044	58	6	influence	influence	NOUN
ajoaa-2044	58	7	saving	save	VERB
ajoaa-2044	58	8	vary	vary	VERB
ajoaa-2044	58	9	over	over	ADP
ajoaa-2044	58	10	time	time	NOUN
ajoaa-2044	58	11	and	and	CCONJ
ajoaa-2044	58	12	that	that	SCONJ
ajoaa-2044	58	13	they	they	PRON
ajoaa-2044	58	14	too	too	ADV
ajoaa-2044	58	15	can	can	AUX
ajoaa-2044	58	16	be	be	AUX
ajoaa-2044	58	17	influenced	influence	VERB
ajoaa-2044	58	18	,	,	PUNCT
ajoaa-2044	58	19	successive	successive	ADJ
ajoaa-2044	58	20	governments	government	NOUN
ajoaa-2044	58	21	in	in	ADP
ajoaa-2044	58	22	nigeria	nigeria	PROPN
ajoaa-2044	58	23	have	have	AUX
ajoaa-2044	58	24	over	over	ADP
ajoaa-2044	58	25	time	time	NOUN
ajoaa-2044	58	26	,	,	PUNCT
ajoaa-2044	58	27	tried	try	VERB
ajoaa-2044	58	28	many	many	ADJ
ajoaa-2044	58	29	policies	policy	NOUN
ajoaa-2044	58	30	and	and	CCONJ
ajoaa-2044	58	31	programmes	programme	NOUN
ajoaa-2044	58	32	to	to	PART
ajoaa-2044	58	33	boost	boost	VERB
ajoaa-2044	58	34	farmers	farmer	NOUN
ajoaa-2044	58	35	’	'	PUNCT
ajoaa-2044	58	36	saving	save	VERB
ajoaa-2044	58	37	behaviour	behaviour	NOUN
ajoaa-2044	58	38	some	some	PRON
ajoaa-2044	58	39	of	of	ADP
ajoaa-2044	58	40	which	which	PRON
ajoaa-2044	58	41	are	be	AUX
ajoaa-2044	58	42	the	the	DET
ajoaa-2044	58	43	rural	rural	ADJ
ajoaa-2044	58	44	banking	banking	NOUN
ajoaa-2044	58	45	scheme	scheme	NOUN
ajoaa-2044	58	46	which	which	PRON
ajoaa-2044	58	47	became	become	VERB
ajoaa-2044	58	48	operational	operational	ADJ
ajoaa-2044	58	49	in	in	ADP
ajoaa-2044	58	50	1977	1977	NUM
ajoaa-2044	58	51	,	,	PUNCT
ajoaa-2044	58	52	the	the	DET
ajoaa-2044	58	53	bank	bank	NOUN
ajoaa-2044	58	54	of	of	ADP
ajoaa-2044	58	55	agriculture	agriculture	PROPN
ajoaa-2044	58	56	(	(	PUNCT
ajoaa-2044	58	57	boa	boa	NOUN
ajoaa-2044	58	58	)	)	PUNCT
ajoaa-2044	58	59	which	which	PRON
ajoaa-2044	58	60	existed	exist	VERB
ajoaa-2044	58	61	under	under	ADP
ajoaa-2044	58	62	different	different	ADJ
ajoaa-2044	58	63	names	name	NOUN
ajoaa-2044	58	64	and	and	CCONJ
ajoaa-2044	58	65	scope	scope	NOUN
ajoaa-2044	58	66	from	from	ADP
ajoaa-2044	58	67	1973	1973	NUM
ajoaa-2044	58	68	until	until	ADP
ajoaa-2044	58	69	2000	2000	NUM
ajoaa-2044	58	70	when	when	SCONJ
ajoaa-2044	58	71	it	it	PRON
ajoaa-2044	58	72	was	be	AUX
ajoaa-2044	58	73	so	so	ADV
ajoaa-2044	58	74	christened	christen	VERB
ajoaa-2044	58	75	after	after	ADP
ajoaa-2044	58	76	the	the	DET
ajoaa-2044	58	77	merging	merging	NOUN
ajoaa-2044	58	78	of	of	ADP
ajoaa-2044	58	79	two	two	NUM
ajoaa-2044	58	80	other	other	ADJ
ajoaa-2044	58	81	poverty	poverty	NOUN
ajoaa-2044	58	82	alleviation	alleviation	NOUN
ajoaa-2044	58	83	programmes	programme	NOUN
ajoaa-2044	58	84	and	and	CCONJ
ajoaa-2044	58	85	,	,	PUNCT
ajoaa-2044	58	86	the	the	DET
ajoaa-2044	58	87	agricultural	agricultural	ADJ
ajoaa-2044	58	88	credit	credit	NOUN
ajoaa-2044	58	89	guarantee	guarantee	NOUN
ajoaa-2044	58	90	scheme	scheme	NOUN
ajoaa-2044	58	91	fund	fund	NOUN
ajoaa-2044	58	92	(	(	PUNCT
ajoaa-2044	58	93	acgsf	acgsf	NOUN
ajoaa-2044	58	94	)	)	PUNCT
ajoaa-2044	58	95	of	of	ADP
ajoaa-2044	58	96	1978	1978	NUM
ajoaa-2044	58	97	among	among	ADP
ajoaa-2044	58	98	others	other	NOUN
ajoaa-2044	58	99	,	,	PUNCT
ajoaa-2044	58	100	to	to	PART
ajoaa-2044	58	101	facilitate	facilitate	VERB
ajoaa-2044	58	102	access	access	NOUN
ajoaa-2044	58	103	to	to	ADP
ajoaa-2044	58	104	credit	credit	NOUN
ajoaa-2044	58	105	,	,	PUNCT
ajoaa-2044	58	106	expand	expand	VERB
ajoaa-2044	58	107	farm	farm	NOUN
ajoaa-2044	58	108	business	business	NOUN
ajoaa-2044	58	109	,	,	PUNCT
ajoaa-2044	58	110	boost	boost	VERB
ajoaa-2044	58	111	farm	farm	NOUN
ajoaa-2044	58	112	output	output	NOUN
ajoaa-2044	58	113	and	and	CCONJ
ajoaa-2044	58	114	income	income	NOUN
ajoaa-2044	58	115	and	and	CCONJ
ajoaa-2044	58	116	generate	generate	VERB
ajoaa-2044	58	117	surplus	surplus	NOUN
ajoaa-2044	58	118	for	for	ADP
ajoaa-2044	58	119	saving	saving	NOUN
ajoaa-2044	58	120	and	and	CCONJ
ajoaa-2044	58	121	to	to	PART
ajoaa-2044	58	122	bolster	bolster	VERB
ajoaa-2044	58	123	equity	equity	NOUN
ajoaa-2044	58	124	fund	fund	NOUN
ajoaa-2044	58	125	to	to	ADP
ajoaa-2044	58	126	the	the	DET
ajoaa-2044	58	127	farm	farm	NOUN
ajoaa-2044	58	128	business	business	NOUN
ajoaa-2044	58	129	.	.	PUNCT
ajoaa-2044	59	1	it	it	PRON
ajoaa-2044	59	2	is	be	AUX
ajoaa-2044	59	3	therefore	therefore	ADV
ajoaa-2044	59	4	rational	rational	ADJ
ajoaa-2044	59	5	to	to	PART
ajoaa-2044	59	6	expect	expect	VERB
ajoaa-2044	59	7	that	that	SCONJ
ajoaa-2044	59	8	the	the	DET
ajoaa-2044	59	9	factors	factor	NOUN
ajoaa-2044	59	10	which	which	PRON
ajoaa-2044	59	11	influence	influence	NOUN
ajoaa-2044	59	12	farmers	farmer	NOUN
ajoaa-2044	59	13	’	'	PUNCT
ajoaa-2044	59	14	ability	ability	NOUN
ajoaa-2044	59	15	to	to	PART
ajoaa-2044	59	16	save	save	VERB
ajoaa-2044	59	17	may	may	AUX
ajoaa-2044	59	18	have	have	AUX
ajoaa-2044	59	19	changed	change	VERB
ajoaa-2044	59	20	;	;	PUNCT
ajoaa-2044	59	21	hence	hence	ADV
ajoaa-2044	59	22	the	the	DET
ajoaa-2044	59	23	question	question	NOUN
ajoaa-2044	59	24	as	as	ADP
ajoaa-2044	59	25	to	to	ADP
ajoaa-2044	59	26	what	what	PRON
ajoaa-2044	59	27	is	be	AUX
ajoaa-2044	59	28	the	the	DET
ajoaa-2044	59	29	attitude	attitude	NOUN
ajoaa-2044	59	30	of	of	ADP
ajoaa-2044	59	31	farmers	farmer	NOUN
ajoaa-2044	59	32	to	to	ADP
ajoaa-2044	59	33	saving	save	VERB
ajoaa-2044	59	34	given	give	VERB
ajoaa-2044	59	35	the	the	DET
ajoaa-2044	59	36	relatively	relatively	ADV
ajoaa-2044	59	37	increased	increase	VERB
ajoaa-2044	59	38	spread	spread	NOUN
ajoaa-2044	59	39	of	of	ADP
ajoaa-2044	59	40	banking	banking	NOUN
ajoaa-2044	59	41	facilities	facility	NOUN
ajoaa-2044	59	42	across	across	ADP
ajoaa-2044	59	43	delta	delta	PROPN
ajoaa-2044	59	44	state	state	PROPN
ajoaa-2044	59	45	,	,	PUNCT
ajoaa-2044	59	46	nigeria	nigeria	PROPN
ajoaa-2044	59	47	and	and	CCONJ
ajoaa-2044	59	48	what	what	PRON
ajoaa-2044	59	49	is	be	AUX
ajoaa-2044	59	50	their	their	PRON
ajoaa-2044	59	51	saving	save	VERB
ajoaa-2044	59	52	behavior	behavior	NOUN
ajoaa-2044	59	53	given	give	VERB
ajoaa-2044	59	54	government	government	NOUN
ajoaa-2044	59	55	support	support	NOUN
ajoaa-2044	59	56	programmes	programme	NOUN
ajoaa-2044	59	57	.	.	PUNCT
ajoaa-2044	60	1	there	there	PRON
ajoaa-2044	60	2	are	be	VERB
ajoaa-2044	60	3	several	several	ADJ
ajoaa-2044	60	4	published	publish	VERB
ajoaa-2044	60	5	research	research	NOUN
ajoaa-2044	60	6	papers	paper	NOUN
ajoaa-2044	60	7	on	on	ADP
ajoaa-2044	60	8	farmers	farmer	NOUN
ajoaa-2044	60	9	’	'	PUNCT
ajoaa-2044	60	10	saving	saving	NOUN
ajoaa-2044	60	11	habits	habit	NOUN
ajoaa-2044	60	12	across	across	ADP
ajoaa-2044	60	13	the	the	DET
ajoaa-2044	60	14	globe	globe	NOUN
ajoaa-2044	60	15	.	.	PUNCT
ajoaa-2044	61	1	some	some	PRON
ajoaa-2044	61	2	of	of	ADP
ajoaa-2044	61	3	these	these	DET
ajoaa-2044	61	4	authors	author	NOUN
ajoaa-2044	61	5	like	like	ADP
ajoaa-2044	61	6	:	:	PUNCT
ajoaa-2044	61	7	obayelu	obayelu	ADJ
ajoaa-2044	61	8	(	(	PUNCT
ajoaa-2044	61	9	2012	2012	NUM
ajoaa-2044	61	10	)	)	PUNCT
ajoaa-2044	61	11	did	do	AUX
ajoaa-2044	61	12	his	his	PRON
ajoaa-2044	61	13	work	work	NOUN
ajoaa-2044	61	14	on	on	ADP
ajoaa-2044	61	15	kwara	kwara	PROPN
ajoaa-2044	61	16	state	state	PROPN
ajoaa-2044	61	17	,	,	PUNCT
ajoaa-2044	61	18	nigeria	nigeria	PROPN
ajoaa-2044	61	19	;	;	PUNCT
ajoaa-2044	61	20	osondu	osondu	NOUN
ajoaa-2044	61	21	et	et	PROPN
ajoaa-2044	61	22	al	al	PROPN
ajoaa-2044	61	23	.	.	PROPN
ajoaa-2044	62	1	(	(	PUNCT
ajoaa-2044	62	2	2015	2015	NUM
ajoaa-2044	62	3	)	)	PUNCT
ajoaa-2044	62	4	worked	work	VERB
ajoaa-2044	62	5	on	on	ADP
ajoaa-2044	62	6	abia	abia	PROPN
ajoaa-2044	62	7	state	state	PROPN
ajoaa-2044	62	8	;	;	PUNCT
ajoaa-2044	62	9	anang	anang	PROPN
ajoaa-2044	62	10	et	et	PROPN
ajoaa-2044	62	11	al	al	PROPN
ajoaa-2044	62	12	.	.	PROPN
ajoaa-2044	63	1	(	(	PUNCT
ajoaa-2044	63	2	2015	2015	NUM
ajoaa-2044	63	3	)	)	PUNCT
ajoaa-2044	63	4	studied	study	VERB
ajoaa-2044	63	5	the	the	DET
ajoaa-2044	63	6	tolon	tolon	NOUN
ajoaa-2044	63	7	-	-	PUNCT
ajoaa-2044	63	8	kumbungu	kumbungu	ADJ
ajoaa-2044	63	9	district	district	NOUN
ajoaa-2044	63	10	of	of	ADP
ajoaa-2044	63	11	ghana	ghana	PROPN
ajoaa-2044	63	12	;	;	PUNCT
ajoaa-2044	63	13	and	and	CCONJ
ajoaa-2044	63	14	ghafoor	ghafoor	PROPN
ajoaa-2044	63	15	et	et	PROPN
ajoaa-2044	63	16	al	al	PROPN
ajoaa-2044	63	17	.	.	PROPN
ajoaa-2044	64	1	(	(	PUNCT
ajoaa-2044	64	2	2010	2010	NUM
ajoaa-2044	64	3	)	)	PUNCT
ajoaa-2044	64	4	who	who	PRON
ajoaa-2044	64	5	studied	study	VERB
ajoaa-2044	64	6	the	the	DET
ajoaa-2044	64	7	situation	situation	NOUN
ajoaa-2044	64	8	in	in	ADP
ajoaa-2044	64	9	the	the	DET
ajoaa-2044	64	10	punjab	punjab	ADJ
ajoaa-2044	64	11	district	district	NOUN
ajoaa-2044	64	12	of	of	ADP
ajoaa-2044	64	13	pakistan	pakistan	PROPN
ajoaa-2044	64	14	,	,	PUNCT
ajoaa-2044	64	15	among	among	ADP
ajoaa-2044	64	16	others	other	NOUN
ajoaa-2044	64	17	.	.	PUNCT
ajoaa-2044	65	1	obayelu	obayelu	ADJ
ajoaa-2044	65	2	(	(	PUNCT
ajoaa-2044	65	3	2012	2012	NUM
ajoaa-2044	65	4	)	)	PUNCT
ajoaa-2044	65	5	identified	identify	VERB
ajoaa-2044	65	6	economic	economic	ADJ
ajoaa-2044	65	7	reasons	reason	NOUN
ajoaa-2044	65	8	why	why	SCONJ
ajoaa-2044	65	9	saving	save	VERB
ajoaa-2044	65	10	behavior	behavior	NOUN
ajoaa-2044	65	11	in	in	ADP
ajoaa-2044	65	12	developing	develop	VERB
ajoaa-2044	65	13	economies	economy	NOUN
ajoaa-2044	65	14	may	may	AUX
ajoaa-2044	65	15	deviate	deviate	VERB
ajoaa-2044	65	16	from	from	ADP
ajoaa-2044	65	17	what	what	PRON
ajoaa-2044	65	18	obtains	obtain	VERB
ajoaa-2044	65	19	in	in	ADP
ajoaa-2044	65	20	the	the	DET
ajoaa-2044	65	21	developed	develop	VERB
ajoaa-2044	65	22	worlds	world	NOUN
ajoaa-2044	65	23	.	.	PUNCT
ajoaa-2044	66	1	beyond	beyond	ADP
ajoaa-2044	66	2	these	these	PRON
ajoaa-2044	66	3	,	,	PUNCT
ajoaa-2044	66	4	empirical	empirical	ADJ
ajoaa-2044	66	5	research	research	NOUN
ajoaa-2044	66	6	lends	lend	VERB
ajoaa-2044	66	7	credence	credence	NOUN
ajoaa-2044	66	8	to	to	ADP
ajoaa-2044	66	9	both	both	CCONJ
ajoaa-2044	66	10	the	the	DET
ajoaa-2044	66	11	attitudinal	attitudinal	ADJ
ajoaa-2044	66	12	and	and	CCONJ
ajoaa-2044	66	13	behavioral	behavioral	ADJ
ajoaa-2044	66	14	nature	nature	NOUN
ajoaa-2044	66	15	saving	saving	NOUN
ajoaa-2044	66	16	.	.	PUNCT
ajoaa-2044	67	1	this	this	PRON
ajoaa-2044	67	2	informs	inform	VERB
ajoaa-2044	67	3	the	the	DET
ajoaa-2044	67	4	topic	topic	NOUN
ajoaa-2044	67	5	under	under	ADP
ajoaa-2044	67	6	review	review	NOUN
ajoaa-2044	67	7	.	.	PUNCT
ajoaa-2044	68	1	the	the	DET
ajoaa-2044	68	2	word	word	NOUN
ajoaa-2044	68	3	attitude	attitude	NOUN
ajoaa-2044	68	4	comes	come	VERB
ajoaa-2044	68	5	from	from	ADP
ajoaa-2044	68	6	the	the	DET
ajoaa-2044	68	7	latin	latin	ADJ
ajoaa-2044	68	8	word	word	NOUN
ajoaa-2044	68	9	aptus	aptus	NOUN
ajoaa-2044	68	10	which	which	PRON
ajoaa-2044	68	11	means	mean	VERB
ajoaa-2044	68	12	to	to	PART
ajoaa-2044	68	13	be	be	AUX
ajoaa-2044	68	14	in	in	ADP
ajoaa-2044	68	15	good	good	ADJ
ajoaa-2044	68	16	shape	shape	NOUN
ajoaa-2044	68	17	and	and	CCONJ
ajoaa-2044	68	18	prepared	prepare	VERB
ajoaa-2044	68	19	for	for	ADP
ajoaa-2044	68	20	action	action	NOUN
ajoaa-2044	68	21	.	.	PUNCT
ajoaa-2044	69	1	attitude	attitude	NOUN
ajoaa-2044	69	2	is	be	AUX
ajoaa-2044	69	3	not	not	PART
ajoaa-2044	69	4	directly	directly	ADV
ajoaa-2044	69	5	observable	observable	ADJ
ajoaa-2044	69	6	but	but	CCONJ
ajoaa-2044	69	7	it	it	PRON
ajoaa-2044	69	8	is	be	AUX
ajoaa-2044	69	9	largely	largely	ADV
ajoaa-2044	69	10	believed	believe	VERB
ajoaa-2044	69	11	to	to	PART
ajoaa-2044	69	12	precede	precede	VERB
ajoaa-2044	69	13	behavior	behavior	NOUN
ajoaa-2044	69	14	and	and	CCONJ
ajoaa-2044	69	15	to	to	PART
ajoaa-2044	69	16	also	also	ADV
ajoaa-2044	69	17	guide	guide	VERB
ajoaa-2044	69	18	choices	choice	NOUN
ajoaa-2044	69	19	and	and	CCONJ
ajoaa-2044	69	20	decisions	decision	NOUN
ajoaa-2044	69	21	(	(	PUNCT
ajoaa-2044	69	22	hogg	hogg	PROPN
ajoaa-2044	69	23	and	and	CCONJ
ajoaa-2044	69	24	vaughan	vaughan	PROPN
ajoaa-2044	69	25	,	,	PUNCT
ajoaa-2044	69	26	2005	2005	NUM
ajoaa-2044	69	27	)	)	PUNCT
ajoaa-2044	69	28	.	.	PUNCT
ajoaa-2044	70	1	there	there	PRON
ajoaa-2044	70	2	are	be	VERB
ajoaa-2044	70	3	three	three	NUM
ajoaa-2044	70	4	components	component	NOUN
ajoaa-2044	70	5	to	to	ADP
ajoaa-2044	70	6	it	it	PRON
ajoaa-2044	70	7	;	;	PUNCT
ajoaa-2044	70	8	namely	namely	ADV
ajoaa-2044	70	9	,	,	PUNCT
ajoaa-2044	70	10	(	(	PUNCT
ajoaa-2044	70	11	i	i	NOUN
ajoaa-2044	70	12	)	)	PUNCT
ajoaa-2044	70	13	thought	thought	NOUN
ajoaa-2044	70	14	and	and	CCONJ
ajoaa-2044	70	15	ideas	idea	NOUN
ajoaa-2044	70	16	,	,	PUNCT
ajoaa-2044	70	17	(	(	PUNCT
ajoaa-2044	70	18	ii	ii	NOUN
ajoaa-2044	70	19	)	)	PUNCT
ajoaa-2044	70	20	feelings	feeling	NOUN
ajoaa-2044	70	21	of	of	ADP
ajoaa-2044	70	22	likes	like	NOUN
ajoaa-2044	70	23	and	and	CCONJ
ajoaa-2044	70	24	dislikes	dislike	NOUN
ajoaa-2044	70	25	and	and	CCONJ
ajoaa-2044	70	26	,	,	PUNCT
ajoaa-2044	70	27	(	(	PUNCT
ajoaa-2044	70	28	iii	iii	NOUN
ajoaa-2044	70	29	)	)	PUNCT
ajoaa-2044	70	30	behavior	behavior	NOUN
ajoaa-2044	70	31	.	.	PUNCT
ajoaa-2044	71	1	hogg	hogg	PROPN
ajoaa-2044	71	2	and	and	CCONJ
ajoaa-2044	71	3	vaughan	vaughan	PROPN
ajoaa-2044	71	4	(	(	PUNCT
ajoaa-2044	71	5	2005	2005	NUM
ajoaa-2044	71	6	)	)	PUNCT
ajoaa-2044	71	7	opine	opine	VERB
ajoaa-2044	71	8	that	that	DET
ajoaa-2044	71	9	behavior	behavior	NOUN
ajoaa-2044	71	10	is	be	AUX
ajoaa-2044	71	11	hinged	hinge	VERB
ajoaa-2044	71	12	on	on	ADP
ajoaa-2044	71	13	a	a	DET
ajoaa-2044	71	14	lasting	last	VERB
ajoaa-2044	71	15	system	system	NOUN
ajoaa-2044	71	16	of	of	ADP
ajoaa-2044	71	17	beliefs	belief	NOUN
ajoaa-2044	71	18	and	and	CCONJ
ajoaa-2044	71	19	feelings	feeling	NOUN
ajoaa-2044	71	20	and	and	CCONJ
ajoaa-2044	71	21	,	,	PUNCT
ajoaa-2044	71	22	subsequently	subsequently	ADV
ajoaa-2044	71	23	,	,	PUNCT
ajoaa-2044	71	24	directed	direct	VERB
ajoaa-2044	71	25	towards	towards	ADP
ajoaa-2044	71	26	objects	object	NOUN
ajoaa-2044	71	27	which	which	PRON
ajoaa-2044	71	28	are	be	AUX
ajoaa-2044	71	29	considered	consider	VERB
ajoaa-2044	71	30	significant	significant	ADJ
ajoaa-2044	71	31	socially	socially	ADV
ajoaa-2044	71	32	.	.	PUNCT
ajoaa-2044	72	1	such	such	DET
ajoaa-2044	72	2	an	an	DET
ajoaa-2044	72	3	object	object	NOUN
ajoaa-2044	72	4	in	in	ADP
ajoaa-2044	72	5	this	this	DET
ajoaa-2044	72	6	circumstance	circumstance	NOUN
ajoaa-2044	72	7	will	will	AUX
ajoaa-2044	72	8	include	include	VERB
ajoaa-2044	72	9	savings	saving	NOUN
ajoaa-2044	72	10	itself	itself	PRON
ajoaa-2044	72	11	and	and	CCONJ
ajoaa-2044	72	12	the	the	DET
ajoaa-2044	72	13	various	various	ADJ
ajoaa-2044	72	14	programmes	programme	NOUN
ajoaa-2044	72	15	and	and	CCONJ
ajoaa-2044	72	16	institutions	institution	NOUN
ajoaa-2044	72	17	put	put	VERB
ajoaa-2044	72	18	in	in	ADP
ajoaa-2044	72	19	place	place	NOUN
ajoaa-2044	72	20	to	to	PART
ajoaa-2044	72	21	generate	generate	VERB
ajoaa-2044	72	22	savings	saving	NOUN
ajoaa-2044	72	23	and	and	CCONJ
ajoaa-2044	72	24	mobilize	mobilize	VERB
ajoaa-2044	72	25	them	they	PRON
ajoaa-2044	72	26	.	.	PUNCT
ajoaa-2044	73	1	the	the	DET
ajoaa-2044	73	2	broad	broad	ADJ
ajoaa-2044	73	3	objective	objective	NOUN
ajoaa-2044	73	4	of	of	ADP
ajoaa-2044	73	5	this	this	DET
ajoaa-2044	73	6	study	study	NOUN
ajoaa-2044	73	7	is	be	AUX
ajoaa-2044	73	8	to	to	PART
ajoaa-2044	73	9	determine	determine	VERB
ajoaa-2044	73	10	farmers	farmer	NOUN
ajoaa-2044	73	11	’	’	PART
ajoaa-2044	73	12	attitudes	attitude	NOUN
ajoaa-2044	73	13	and	and	CCONJ
ajoaa-2044	73	14	behavior	behavior	NOUN
ajoaa-2044	73	15	toward	toward	ADP
ajoaa-2044	73	16	saving	saving	NOUN
ajoaa-2044	73	17	.	.	PUNCT
ajoaa-2044	74	1	the	the	DET
ajoaa-2044	74	2	specific	specific	ADJ
ajoaa-2044	74	3	objectives	objective	NOUN
ajoaa-2044	74	4	are	be	AUX
ajoaa-2044	74	5	to	to	PART
ajoaa-2044	74	6	:	:	PUNCT
ajoaa-2044	74	7	i.	i.	NOUN
ajoaa-2044	74	8	determine	determine	VERB
ajoaa-2044	74	9	the	the	DET
ajoaa-2044	74	10	attitude	attitude	NOUN
ajoaa-2044	74	11	of	of	ADP
ajoaa-2044	74	12	farmers	farmer	NOUN
ajoaa-2044	74	13	towards	towards	ADP
ajoaa-2044	74	14	saving	save	VERB
ajoaa-2044	74	15	ii	ii	PROPN
ajoaa-2044	74	16	.	.	PUNCT
ajoaa-2044	74	17	determine	determine	VERB
ajoaa-2044	74	18	the	the	DET
ajoaa-2044	74	19	behavior	behavior	NOUN
ajoaa-2044	74	20	of	of	ADP
ajoaa-2044	74	21	farmers	farmer	NOUN
ajoaa-2044	74	22	towards	towards	ADP
ajoaa-2044	74	23	saving	save	VERB
ajoaa-2044	74	24	iii	iii	PRON
ajoaa-2044	74	25	.	.	PUNCT
ajoaa-2044	75	1	identify	identify	VERB
ajoaa-2044	75	2	the	the	DET
ajoaa-2044	75	3	factors	factor	NOUN
ajoaa-2044	75	4	that	that	PRON
ajoaa-2044	75	5	affect	affect	VERB
ajoaa-2044	75	6	saving	save	VERB
ajoaa-2044	75	7	,	,	PUNCT
ajoaa-2044	75	8	and	and	CCONJ
ajoaa-2044	75	9	iv	iv	AUX
ajoaa-2044	75	10	.	.	X
ajoaa-2044	75	11	identify	identify	VERB
ajoaa-2044	75	12	challenges	challenge	NOUN
ajoaa-2044	75	13	to	to	ADP
ajoaa-2044	75	14	saving	save	VERB
ajoaa-2044	75	15	by	by	ADP
ajoaa-2044	75	16	farmers	farmer	NOUN
ajoaa-2044	75	17	.	.	PUNCT
ajoaa-2044	76	1	the	the	DET
ajoaa-2044	76	2	hypotheses	hypothesis	NOUN
ajoaa-2044	76	3	tested	test	VERB
ajoaa-2044	76	4	were	be	AUX
ajoaa-2044	76	5	:	:	PUNCT
ajoaa-2044	76	6	i.	i.	PROPN
ajoaa-2044	76	7	ho1	ho1	PROPN
ajoaa-2044	76	8	:	:	PUNCT
ajoaa-2044	76	9	farmers	farmer	NOUN
ajoaa-2044	76	10	attitude	attitude	NOUN
ajoaa-2044	76	11	towards	towards	ADP
ajoaa-2044	76	12	saving	saving	NOUN
ajoaa-2044	76	13	is	be	AUX
ajoaa-2044	76	14	not	not	PART
ajoaa-2044	76	15	positive	positive	ADJ
ajoaa-2044	76	16	ii	ii	NOUN
ajoaa-2044	76	17	.	.	PUNCT
ajoaa-2044	77	1	ho2	ho2	PROPN
ajoaa-2044	77	2	:	:	PUNCT
ajoaa-2044	77	3	socioeconomic	socioeconomic	ADJ
ajoaa-2044	77	4	factors	factor	NOUN
ajoaa-2044	77	5	have	have	VERB
ajoaa-2044	77	6	no	no	DET
ajoaa-2044	77	7	significant	significant	ADJ
ajoaa-2044	77	8	effect	effect	NOUN
ajoaa-2044	77	9	on	on	ADP
ajoaa-2044	77	10	farmers	farmer	NOUN
ajoaa-2044	77	11	’	'	PUNCT
ajoaa-2044	77	12	saving	save	VERB
ajoaa-2044	77	13	behavior	behavior	NOUN
ajoaa-2044	77	14	asian	asian	PROPN
ajoaa-2044	77	15	journal	journal	PROPN
ajoaa-2044	77	16	of	of	ADP
ajoaa-2044	77	17	agriculture	agriculture	NOUN
ajoaa-2044	77	18	and	and	CCONJ
ajoaa-2044	77	19	rural	rural	ADJ
ajoaa-2044	77	20	development	development	NOUN
ajoaa-2044	77	21	,	,	PUNCT
ajoaa-2044	77	22	10(1)2020	10(1)2020	NUM
ajoaa-2044	77	23	:	:	PUNCT
ajoaa-2044	77	24	406	406	NUM
ajoaa-2044	77	25	-	-	SYM
ajoaa-2044	77	26	419	419	NUM
ajoaa-2044	77	27	409	409	NUM
ajoaa-2044	77	28	2	2	NUM
ajoaa-2044	77	29	.	.	PUNCT
ajoaa-2044	77	30	materials	material	NOUN
ajoaa-2044	77	31	and	and	CCONJ
ajoaa-2044	77	32	methods	method	NOUN
ajoaa-2044	77	33	the	the	DET
ajoaa-2044	77	34	study	study	NOUN
ajoaa-2044	77	35	area	area	NOUN
ajoaa-2044	77	36	is	be	AUX
ajoaa-2044	77	37	ika	ika	PROPN
ajoaa-2044	77	38	south	south	PROPN
ajoaa-2044	77	39	local	local	ADJ
ajoaa-2044	77	40	government	government	NOUN
ajoaa-2044	77	41	area	area	NOUN
ajoaa-2044	77	42	(	(	PUNCT
ajoaa-2044	77	43	lga	lga	NOUN
ajoaa-2044	77	44	)	)	PUNCT
ajoaa-2044	77	45	,	,	PUNCT
ajoaa-2044	77	46	situated	situate	VERB
ajoaa-2044	77	47	to	to	ADP
ajoaa-2044	77	48	the	the	DET
ajoaa-2044	77	49	north	north	NOUN
ajoaa-2044	77	50	west	west	NOUN
ajoaa-2044	77	51	of	of	ADP
ajoaa-2044	77	52	delta	delta	PROPN
ajoaa-2044	77	53	state	state	PROPN
ajoaa-2044	77	54	nigeria	nigeria	PROPN
ajoaa-2044	77	55	,	,	PUNCT
ajoaa-2044	77	56	with	with	ADP
ajoaa-2044	77	57	its	its	PRON
ajoaa-2044	77	58	headquarters	headquarters	NOUN
ajoaa-2044	77	59	at	at	ADP
ajoaa-2044	77	60	agbor	agbor	NOUN
ajoaa-2044	77	61	,	,	PUNCT
ajoaa-2044	77	62	the	the	DET
ajoaa-2044	77	63	only	only	ADJ
ajoaa-2044	77	64	commercial	commercial	ADJ
ajoaa-2044	77	65	town	town	NOUN
ajoaa-2044	77	66	.	.	PUNCT
ajoaa-2044	78	1	delta	delta	PROPN
ajoaa-2044	78	2	state	state	NOUN
ajoaa-2044	78	3	is	be	AUX
ajoaa-2044	78	4	bounded	bound	VERB
ajoaa-2044	78	5	by	by	ADP
ajoaa-2044	78	6	longitude	longitude	NOUN
ajoaa-2044	78	7	50	50	NUM
ajoaa-2044	78	8	and	and	CCONJ
ajoaa-2044	78	9	60	60	NUM
ajoaa-2044	78	10	451	451	NUM
ajoaa-2044	78	11	east	east	ADJ
ajoaa-2044	78	12	and	and	CCONJ
ajoaa-2044	78	13	latitude	latitude	NOUN
ajoaa-2044	78	14	50	50	NUM
ajoaa-2044	78	15	201	201	NUM
ajoaa-2044	78	16	and	and	CCONJ
ajoaa-2044	78	17	60	60	NUM
ajoaa-2044	78	18	301	301	NUM
ajoaa-2044	78	19	north	north	NOUN
ajoaa-2044	78	20	of	of	ADP
ajoaa-2044	78	21	the	the	DET
ajoaa-2044	78	22	equator	equator	NOUN
ajoaa-2044	78	23	.	.	PUNCT
ajoaa-2044	79	1	the	the	DET
ajoaa-2044	79	2	choice	choice	NOUN
ajoaa-2044	79	3	of	of	ADP
ajoaa-2044	79	4	delta	delta	PROPN
ajoaa-2044	79	5	state	state	NOUN
ajoaa-2044	79	6	was	be	AUX
ajoaa-2044	79	7	informed	inform	VERB
ajoaa-2044	79	8	by	by	ADP
ajoaa-2044	79	9	its	its	PRON
ajoaa-2044	79	10	proximity	proximity	NOUN
ajoaa-2044	79	11	to	to	ADP
ajoaa-2044	79	12	the	the	DET
ajoaa-2044	79	13	authors	author	NOUN
ajoaa-2044	79	14	,	,	PUNCT
ajoaa-2044	79	15	more	more	ADV
ajoaa-2044	79	16	importantly	importantly	ADV
ajoaa-2044	79	17	by	by	ADP
ajoaa-2044	79	18	the	the	DET
ajoaa-2044	79	19	fact	fact	NOUN
ajoaa-2044	79	20	that	that	SCONJ
ajoaa-2044	79	21	the	the	DET
ajoaa-2044	79	22	state	state	NOUN
ajoaa-2044	79	23	is	be	AUX
ajoaa-2044	79	24	oil	oil	NOUN
ajoaa-2044	79	25	-	-	PUNCT
ajoaa-2044	79	26	producing	produce	VERB
ajoaa-2044	79	27	.	.	PUNCT
ajoaa-2044	80	1	crude	crude	ADJ
ajoaa-2044	80	2	oil	oil	NOUN
ajoaa-2044	80	3	exploration	exploration	NOUN
ajoaa-2044	80	4	and	and	CCONJ
ajoaa-2044	80	5	exploitation	exploitation	NOUN
ajoaa-2044	80	6	have	have	AUX
ajoaa-2044	80	7	seriously	seriously	ADV
ajoaa-2044	80	8	degraded	degrade	VERB
ajoaa-2044	80	9	farmlands	farmland	NOUN
ajoaa-2044	80	10	and	and	CCONJ
ajoaa-2044	80	11	many	many	ADJ
ajoaa-2044	80	12	individuals	individual	NOUN
ajoaa-2044	80	13	have	have	AUX
ajoaa-2044	80	14	quit	quit	VERB
ajoaa-2044	80	15	farming	farming	NOUN
ajoaa-2044	80	16	in	in	ADP
ajoaa-2044	80	17	preference	preference	NOUN
ajoaa-2044	80	18	for	for	ADP
ajoaa-2044	80	19	non	non	ADJ
ajoaa-2044	80	20	-	-	ADJ
ajoaa-2044	80	21	existing	existing	ADJ
ajoaa-2044	80	22	jobs	job	NOUN
ajoaa-2044	80	23	in	in	ADP
ajoaa-2044	80	24	the	the	DET
ajoaa-2044	80	25	petroleum	petroleum	NOUN
ajoaa-2044	80	26	sector	sector	NOUN
ajoaa-2044	80	27	,	,	PUNCT
ajoaa-2044	80	28	interestingly	interestingly	ADV
ajoaa-2044	80	29	citizens	citizen	NOUN
ajoaa-2044	80	30	of	of	ADP
ajoaa-2044	80	31	the	the	DET
ajoaa-2044	80	32	lga	lga	NOUN
ajoaa-2044	80	33	considered	consider	VERB
ajoaa-2044	80	34	in	in	ADP
ajoaa-2044	80	35	this	this	DET
ajoaa-2044	80	36	study	study	NOUN
ajoaa-2044	80	37	remain	remain	VERB
ajoaa-2044	80	38	in	in	ADP
ajoaa-2044	80	39	their	their	PRON
ajoaa-2044	80	40	farmland	farmland	NOUN
ajoaa-2044	80	41	.	.	PUNCT
ajoaa-2044	81	1	the	the	DET
ajoaa-2044	81	2	choice	choice	NOUN
ajoaa-2044	81	3	of	of	ADP
ajoaa-2044	81	4	this	this	DET
ajoaa-2044	81	5	lga	lga	NOUN
ajoaa-2044	81	6	is	be	AUX
ajoaa-2044	81	7	founded	found	VERB
ajoaa-2044	81	8	on	on	ADP
ajoaa-2044	81	9	a	a	DET
ajoaa-2044	81	10	combination	combination	NOUN
ajoaa-2044	81	11	of	of	ADP
ajoaa-2044	81	12	economic	economic	ADJ
ajoaa-2044	81	13	and	and	CCONJ
ajoaa-2044	81	14	commercial	commercial	ADJ
ajoaa-2044	81	15	factors	factor	NOUN
ajoaa-2044	81	16	.	.	PUNCT
ajoaa-2044	82	1	for	for	ADP
ajoaa-2044	82	2	economic	economic	ADJ
ajoaa-2044	82	3	reasons	reason	NOUN
ajoaa-2044	82	4	,	,	PUNCT
ajoaa-2044	82	5	ika	ika	PROPN
ajoaa-2044	82	6	south	south	PROPN
ajoaa-2044	82	7	lga	lga	PROPN
ajoaa-2044	82	8	is	be	AUX
ajoaa-2044	82	9	about	about	ADP
ajoaa-2044	82	10	the	the	DET
ajoaa-2044	82	11	food	food	NOUN
ajoaa-2044	82	12	basket	basket	NOUN
ajoaa-2044	82	13	of	of	ADP
ajoaa-2044	82	14	the	the	DET
ajoaa-2044	82	15	state	state	NOUN
ajoaa-2044	82	16	.	.	PUNCT
ajoaa-2044	83	1	farming	farming	NOUN
ajoaa-2044	83	2	is	be	AUX
ajoaa-2044	83	3	the	the	DET
ajoaa-2044	83	4	major	major	ADJ
ajoaa-2044	83	5	occupation	occupation	NOUN
ajoaa-2044	83	6	of	of	ADP
ajoaa-2044	83	7	this	this	DET
ajoaa-2044	83	8	lga	lga	NOUN
ajoaa-2044	83	9	.	.	PUNCT
ajoaa-2044	84	1	all	all	DET
ajoaa-2044	84	2	the	the	DET
ajoaa-2044	84	3	women	woman	NOUN
ajoaa-2044	84	4	,	,	PUNCT
ajoaa-2044	84	5	men	man	NOUN
ajoaa-2044	84	6	,	,	PUNCT
ajoaa-2044	84	7	and	and	CCONJ
ajoaa-2044	84	8	children	child	NOUN
ajoaa-2044	84	9	are	be	AUX
ajoaa-2044	84	10	involved	involve	VERB
ajoaa-2044	84	11	.	.	PUNCT
ajoaa-2044	85	1	the	the	DET
ajoaa-2044	85	2	use	use	NOUN
ajoaa-2044	85	3	of	of	ADP
ajoaa-2044	85	4	motorcycles	motorcycle	NOUN
ajoaa-2044	85	5	and	and	CCONJ
ajoaa-2044	85	6	bicycles	bicycle	NOUN
ajoaa-2044	85	7	for	for	ADP
ajoaa-2044	85	8	farming	farming	NOUN
ajoaa-2044	85	9	activities	activity	NOUN
ajoaa-2044	85	10	are	be	AUX
ajoaa-2044	85	11	very	very	ADV
ajoaa-2044	85	12	popular	popular	ADJ
ajoaa-2044	85	13	here	here	ADV
ajoaa-2044	85	14	,	,	PUNCT
ajoaa-2044	85	15	a	a	DET
ajoaa-2044	85	16	phenomenon	phenomenon	NOUN
ajoaa-2044	85	17	that	that	PRON
ajoaa-2044	85	18	can	can	AUX
ajoaa-2044	85	19	hardly	hardly	ADV
ajoaa-2044	85	20	be	be	AUX
ajoaa-2044	85	21	found	find	VERB
ajoaa-2044	85	22	elsewhere	elsewhere	ADV
ajoaa-2044	85	23	in	in	ADP
ajoaa-2044	85	24	the	the	DET
ajoaa-2044	85	25	state	state	NOUN
ajoaa-2044	85	26	.	.	PUNCT
ajoaa-2044	86	1	major	major	ADJ
ajoaa-2044	86	2	staple	staple	NOUN
ajoaa-2044	86	3	food	food	NOUN
ajoaa-2044	86	4	crops	crop	NOUN
ajoaa-2044	86	5	of	of	ADP
ajoaa-2044	86	6	cassava	cassava	NOUN
ajoaa-2044	86	7	and	and	CCONJ
ajoaa-2044	86	8	all	all	DET
ajoaa-2044	86	9	its	its	PRON
ajoaa-2044	86	10	derivatives	derivative	NOUN
ajoaa-2044	86	11	,	,	PUNCT
ajoaa-2044	86	12	yam	yam	NOUN
ajoaa-2044	86	13	,	,	PUNCT
ajoaa-2044	86	14	banana	banana	NOUN
ajoaa-2044	86	15	,	,	PUNCT
ajoaa-2044	86	16	and	and	CCONJ
ajoaa-2044	86	17	plantain	plantain	NOUN
ajoaa-2044	86	18	are	be	AUX
ajoaa-2044	86	19	produced	produce	VERB
ajoaa-2044	86	20	here	here	ADV
ajoaa-2044	86	21	.	.	PUNCT
ajoaa-2044	87	1	fruits	fruit	NOUN
ajoaa-2044	87	2	and	and	CCONJ
ajoaa-2044	87	3	vegetables	vegetable	NOUN
ajoaa-2044	87	4	such	such	ADJ
ajoaa-2044	87	5	as	as	ADP
ajoaa-2044	87	6	pineapple	pineapple	NOUN
ajoaa-2044	87	7	,	,	PUNCT
ajoaa-2044	87	8	oranges	orange	NOUN
ajoaa-2044	87	9	,	,	PUNCT
ajoaa-2044	87	10	and	and	CCONJ
ajoaa-2044	87	11	pumpkin	pumpkin	ADJ
ajoaa-2044	87	12	leaf	leaf	NOUN
ajoaa-2044	87	13	are	be	AUX
ajoaa-2044	87	14	also	also	ADV
ajoaa-2044	87	15	produced	produce	VERB
ajoaa-2044	87	16	in	in	ADP
ajoaa-2044	87	17	the	the	DET
ajoaa-2044	87	18	lga	lga	NOUN
ajoaa-2044	87	19	.	.	PUNCT
ajoaa-2044	88	1	apart	apart	ADV
ajoaa-2044	88	2	from	from	ADP
ajoaa-2044	88	3	agbor	agbor	NOUN
ajoaa-2044	88	4	,	,	PUNCT
ajoaa-2044	88	5	the	the	DET
ajoaa-2044	88	6	lga	lga	ADJ
ajoaa-2044	88	7	headquarters	headquarters	NOUN
ajoaa-2044	88	8	,	,	PUNCT
ajoaa-2044	88	9	and	and	CCONJ
ajoaa-2044	88	10	the	the	DET
ajoaa-2044	88	11	only	only	ADJ
ajoaa-2044	88	12	commercial	commercial	ADJ
ajoaa-2044	88	13	city	city	NOUN
ajoaa-2044	88	14	,	,	PUNCT
ajoaa-2044	88	15	the	the	DET
ajoaa-2044	88	16	rural	rural	ADJ
ajoaa-2044	88	17	markets	market	NOUN
ajoaa-2044	88	18	in	in	ADP
ajoaa-2044	88	19	the	the	DET
ajoaa-2044	88	20	lga	lga	NOUN
ajoaa-2044	88	21	attract	attract	VERB
ajoaa-2044	88	22	traders	trader	NOUN
ajoaa-2044	88	23	from	from	ADP
ajoaa-2044	88	24	most	most	ADJ
ajoaa-2044	88	25	of	of	ADP
ajoaa-2044	88	26	the	the	DET
ajoaa-2044	88	27	state	state	NOUN
ajoaa-2044	88	28	;	;	PUNCT
ajoaa-2044	88	29	traders	trader	NOUN
ajoaa-2044	88	30	who	who	PRON
ajoaa-2044	88	31	come	come	VERB
ajoaa-2044	88	32	to	to	PART
ajoaa-2044	88	33	buy	buy	VERB
ajoaa-2044	88	34	food	food	NOUN
ajoaa-2044	88	35	items	item	NOUN
ajoaa-2044	88	36	for	for	ADP
ajoaa-2044	88	37	sale	sale	NOUN
ajoaa-2044	88	38	,	,	PUNCT
ajoaa-2044	88	39	some	some	PRON
ajoaa-2044	88	40	in	in	ADP
ajoaa-2044	88	41	the	the	DET
ajoaa-2044	88	42	major	major	ADJ
ajoaa-2044	88	43	markets	market	NOUN
ajoaa-2044	88	44	across	across	ADP
ajoaa-2044	88	45	the	the	DET
ajoaa-2044	88	46	state	state	NOUN
ajoaa-2044	88	47	and	and	CCONJ
ajoaa-2044	88	48	others	other	NOUN
ajoaa-2044	88	49	in	in	ADP
ajoaa-2044	88	50	community	community	NOUN
ajoaa-2044	88	51	retails	retail	VERB
ajoaa-2044	88	52	shops	shop	NOUN
ajoaa-2044	88	53	.	.	PUNCT
ajoaa-2044	89	1	thus	thus	ADV
ajoaa-2044	89	2	commerce	commerce	NOUN
ajoaa-2044	89	3	as	as	SCONJ
ajoaa-2044	89	4	secondary	secondary	ADJ
ajoaa-2044	89	5	occupation	occupation	NOUN
ajoaa-2044	89	6	is	be	AUX
ajoaa-2044	89	7	essentially	essentially	ADV
ajoaa-2044	89	8	agriculture	agriculture	NOUN
ajoaa-2044	89	9	-	-	PUNCT
ajoaa-2044	89	10	based	base	VERB
ajoaa-2044	89	11	carried	carry	VERB
ajoaa-2044	89	12	out	out	ADP
ajoaa-2044	89	13	by	by	ADP
ajoaa-2044	89	14	middlemen	middleman	NOUN
ajoaa-2044	89	15	who	who	PRON
ajoaa-2044	89	16	buy	buy	VERB
ajoaa-2044	89	17	at	at	ADP
ajoaa-2044	89	18	the	the	DET
ajoaa-2044	89	19	farm	farm	NOUN
ajoaa-2044	89	20	gate	gate	NOUN
ajoaa-2044	89	21	for	for	ADP
ajoaa-2044	89	22	resale	resale	NOUN
ajoaa-2044	89	23	on	on	ADP
ajoaa-2044	89	24	market	market	NOUN
ajoaa-2044	89	25	days	day	NOUN
ajoaa-2044	89	26	for	for	ADP
ajoaa-2044	89	27	a	a	DET
ajoaa-2044	89	28	margin	margin	NOUN
ajoaa-2044	89	29	.	.	PUNCT
ajoaa-2044	90	1	unfortunately	unfortunately	ADV
ajoaa-2044	90	2	,	,	PUNCT
ajoaa-2044	90	3	however	however	ADV
ajoaa-2044	90	4	,	,	PUNCT
ajoaa-2044	90	5	there	there	PRON
ajoaa-2044	90	6	is	be	VERB
ajoaa-2044	90	7	a	a	DET
ajoaa-2044	90	8	palpable	palpable	ADJ
ajoaa-2044	90	9	deficit	deficit	NOUN
ajoaa-2044	90	10	in	in	ADP
ajoaa-2044	90	11	the	the	DET
ajoaa-2044	90	12	spread	spread	NOUN
ajoaa-2044	90	13	of	of	ADP
ajoaa-2044	90	14	banks	bank	NOUN
ajoaa-2044	90	15	in	in	ADP
ajoaa-2044	90	16	rural	rural	ADJ
ajoaa-2044	90	17	farming	farming	NOUN
ajoaa-2044	90	18	communities	community	NOUN
ajoaa-2044	90	19	.	.	PUNCT
ajoaa-2044	91	1	the	the	DET
ajoaa-2044	91	2	commercial	commercial	ADJ
ajoaa-2044	91	3	banks	bank	NOUN
ajoaa-2044	91	4	are	be	AUX
ajoaa-2044	91	5	concentrated	concentrate	VERB
ajoaa-2044	91	6	at	at	ADP
ajoaa-2044	91	7	the	the	DET
ajoaa-2044	91	8	lga	lga	ADJ
ajoaa-2044	91	9	headquarters	headquarters	NOUN
ajoaa-2044	91	10	,	,	PUNCT
ajoaa-2044	91	11	thus	thus	ADV
ajoaa-2044	91	12	likely	likely	ADJ
ajoaa-2044	91	13	to	to	PART
ajoaa-2044	91	14	have	have	VERB
ajoaa-2044	91	15	an	an	DET
ajoaa-2044	91	16	adverse	adverse	ADJ
ajoaa-2044	91	17	effect	effect	NOUN
ajoaa-2044	91	18	on	on	ADP
ajoaa-2044	91	19	the	the	DET
ajoaa-2044	91	20	banking	banking	NOUN
ajoaa-2044	91	21	habits	habit	NOUN
ajoaa-2044	91	22	and	and	CCONJ
ajoaa-2044	91	23	the	the	DET
ajoaa-2044	91	24	attitude	attitude	NOUN
ajoaa-2044	91	25	to	to	ADP
ajoaa-2044	91	26	saving	save	VERB
ajoaa-2044	91	27	and	and	CCONJ
ajoaa-2044	91	28	saving	saving	NOUN
ajoaa-2044	91	29	practices	practice	NOUN
ajoaa-2044	91	30	of	of	ADP
ajoaa-2044	91	31	these	these	DET
ajoaa-2044	91	32	farmers	farmer	NOUN
ajoaa-2044	91	33	.	.	PUNCT
ajoaa-2044	92	1	this	this	DET
ajoaa-2044	92	2	curious	curious	ADJ
ajoaa-2044	92	3	scenario	scenario	NOUN
ajoaa-2044	92	4	raises	raise	VERB
ajoaa-2044	92	5	several	several	ADJ
ajoaa-2044	92	6	questions	question	NOUN
ajoaa-2044	92	7	as	as	ADP
ajoaa-2044	92	8	to	to	ADP
ajoaa-2044	92	9	:	:	PUNCT
ajoaa-2044	92	10	(	(	PUNCT
ajoaa-2044	92	11	i	i	NOUN
ajoaa-2044	92	12	)	)	PUNCT
ajoaa-2044	92	13	what	what	PRON
ajoaa-2044	92	14	is	be	AUX
ajoaa-2044	92	15	the	the	DET
ajoaa-2044	92	16	farmers	farmer	NOUN
ajoaa-2044	92	17	’	’	PART
ajoaa-2044	92	18	view	view	NOUN
ajoaa-2044	92	19	of	of	ADP
ajoaa-2044	92	20	banking	banking	NOUN
ajoaa-2044	92	21	?	?	PUNCT
ajoaa-2044	93	1	and	and	CCONJ
ajoaa-2044	93	2	(	(	PUNCT
ajoaa-2044	93	3	ii	ii	NOUN
ajoaa-2044	93	4	)	)	PUNCT
ajoaa-2044	93	5	what	what	PRON
ajoaa-2044	93	6	is	be	AUX
ajoaa-2044	93	7	their	their	PRON
ajoaa-2044	93	8	attitude	attitude	NOUN
ajoaa-2044	93	9	to	to	ADP
ajoaa-2044	93	10	saving	save	VERB
ajoaa-2044	93	11	and	and	CCONJ
ajoaa-2044	93	12	saving	saving	NOUN
ajoaa-2044	93	13	practices	practice	NOUN
ajoaa-2044	93	14	?	?	PUNCT
ajoaa-2044	94	1	the	the	DET
ajoaa-2044	94	2	field	field	NOUN
ajoaa-2044	94	3	survey	survey	NOUN
ajoaa-2044	94	4	was	be	AUX
ajoaa-2044	94	5	conduct	conduct	NOUN
ajoaa-2044	94	6	november	november	PROPN
ajoaa-2044	94	7	in	in	ADP
ajoaa-2044	94	8	2018	2018	NUM
ajoaa-2044	94	9	.	.	PUNCT
ajoaa-2044	95	1	respondents	respondent	NOUN
ajoaa-2044	95	2	were	be	AUX
ajoaa-2044	95	3	drawn	draw	VERB
ajoaa-2044	95	4	using	use	VERB
ajoaa-2044	95	5	a	a	DET
ajoaa-2044	95	6	multistage	multistage	NOUN
ajoaa-2044	95	7	sampling	sample	VERB
ajoaa-2044	95	8	procedure	procedure	NOUN
ajoaa-2044	95	9	.	.	PUNCT
ajoaa-2044	96	1	the	the	DET
ajoaa-2044	96	2	first	first	ADJ
ajoaa-2044	96	3	stage	stage	NOUN
ajoaa-2044	96	4	was	be	AUX
ajoaa-2044	96	5	the	the	DET
ajoaa-2044	96	6	purposive	purposive	ADJ
ajoaa-2044	96	7	sampling	sampling	NOUN
ajoaa-2044	96	8	of	of	ADP
ajoaa-2044	96	9	five	five	NUM
ajoaa-2044	96	10	wards	ward	NOUN
ajoaa-2044	96	11	from	from	ADP
ajoaa-2044	96	12	the	the	DET
ajoaa-2044	96	13	19	19	NUM
ajoaa-2044	96	14	wards	ward	NOUN
ajoaa-2044	96	15	in	in	ADP
ajoaa-2044	96	16	the	the	DET
ajoaa-2044	96	17	lga	lga	NOUN
ajoaa-2044	96	18	where	where	SCONJ
ajoaa-2044	96	19	agriculture	agriculture	NOUN
ajoaa-2044	96	20	is	be	AUX
ajoaa-2044	96	21	the	the	DET
ajoaa-2044	96	22	major	major	ADJ
ajoaa-2044	96	23	economic	economic	ADJ
ajoaa-2044	96	24	activity	activity	NOUN
ajoaa-2044	96	25	.	.	PUNCT
ajoaa-2044	97	1	the	the	DET
ajoaa-2044	97	2	second	second	ADJ
ajoaa-2044	97	3	stage	stage	NOUN
ajoaa-2044	97	4	was	be	AUX
ajoaa-2044	97	5	the	the	DET
ajoaa-2044	97	6	random	random	ADJ
ajoaa-2044	97	7	selection	selection	NOUN
ajoaa-2044	97	8	of	of	ADP
ajoaa-2044	97	9	35	35	NUM
ajoaa-2044	97	10	farmers	farmer	NOUN
ajoaa-2044	97	11	from	from	ADP
ajoaa-2044	97	12	each	each	DET
ajoaa-2044	97	13	selected	select	VERB
ajoaa-2044	97	14	ward	ward	NOUN
ajoaa-2044	97	15	,	,	PUNCT
ajoaa-2044	97	16	hence	hence	ADV
ajoaa-2044	97	17	a	a	DET
ajoaa-2044	97	18	sample	sample	NOUN
ajoaa-2044	97	19	size	size	NOUN
ajoaa-2044	97	20	of	of	ADP
ajoaa-2044	97	21	175	175	NUM
ajoaa-2044	97	22	.	.	PUNCT
ajoaa-2044	98	1	however	however	ADV
ajoaa-2044	98	2	,	,	PUNCT
ajoaa-2044	98	3	150	150	NUM
ajoaa-2044	98	4	of	of	ADP
ajoaa-2044	98	5	the	the	DET
ajoaa-2044	98	6	returned	return	VERB
ajoaa-2044	98	7	copies	copy	NOUN
ajoaa-2044	98	8	of	of	ADP
ajoaa-2044	98	9	the	the	DET
ajoaa-2044	98	10	questionnaire	questionnaire	NOUN
ajoaa-2044	98	11	were	be	AUX
ajoaa-2044	98	12	admissible	admissible	ADJ
ajoaa-2044	98	13	for	for	ADP
ajoaa-2044	98	14	this	this	DET
ajoaa-2044	98	15	study	study	NOUN
ajoaa-2044	98	16	.	.	PUNCT
ajoaa-2044	99	1	there	there	PRON
ajoaa-2044	99	2	were	be	VERB
ajoaa-2044	99	3	three	three	NUM
ajoaa-2044	99	4	sections	section	NOUN
ajoaa-2044	99	5	in	in	ADP
ajoaa-2044	99	6	the	the	DET
ajoaa-2044	99	7	questionnaire	questionnaire	NOUN
ajoaa-2044	99	8	.	.	PUNCT
ajoaa-2044	100	1	section	section	NOUN
ajoaa-2044	100	2	a	a	DET
ajoaa-2044	100	3	collected	collected	ADJ
ajoaa-2044	100	4	information	information	NOUN
ajoaa-2044	100	5	on	on	ADP
ajoaa-2044	100	6	the	the	DET
ajoaa-2044	100	7	personal	personal	ADJ
ajoaa-2044	100	8	identity	identity	NOUN
ajoaa-2044	100	9	and	and	CCONJ
ajoaa-2044	100	10	socioeconomic	socioeconomic	ADJ
ajoaa-2044	100	11	characteristics	characteristic	NOUN
ajoaa-2044	100	12	of	of	ADP
ajoaa-2044	100	13	the	the	DET
ajoaa-2044	100	14	farmers	farmer	NOUN
ajoaa-2044	100	15	,	,	PUNCT
ajoaa-2044	100	16	section	section	NOUN
ajoaa-2044	100	17	b	b	NUM
ajoaa-2044	100	18	collected	collect	VERB
ajoaa-2044	100	19	information	information	NOUN
ajoaa-2044	100	20	on	on	ADP
ajoaa-2044	100	21	attitude	attitude	NOUN
ajoaa-2044	100	22	to	to	ADP
ajoaa-2044	100	23	saving	save	VERB
ajoaa-2044	100	24	and	and	CCONJ
ajoaa-2044	100	25	,	,	PUNCT
ajoaa-2044	100	26	section	section	NOUN
ajoaa-2044	100	27	c	c	PROPN
ajoaa-2044	100	28	elicited	elicit	VERB
ajoaa-2044	100	29	information	information	NOUN
ajoaa-2044	100	30	on	on	ADP
ajoaa-2044	100	31	saving	save	VERB
ajoaa-2044	100	32	behavior	behavior	NOUN
ajoaa-2044	100	33	.	.	PUNCT
ajoaa-2044	101	1	questions	question	NOUN
ajoaa-2044	101	2	on	on	ADP
ajoaa-2044	101	3	attitude	attitude	NOUN
ajoaa-2044	101	4	to	to	ADP
ajoaa-2044	101	5	saving	save	VERB
ajoaa-2044	101	6	and	and	CCONJ
ajoaa-2044	101	7	saving	save	VERB
ajoaa-2044	101	8	behavior	behavior	NOUN
ajoaa-2044	101	9	were	be	AUX
ajoaa-2044	101	10	adapted	adapt	VERB
ajoaa-2044	101	11	from	from	ADP
ajoaa-2044	101	12	furnham	furnham	PROPN
ajoaa-2044	101	13	(	(	PUNCT
ajoaa-2044	101	14	1999	1999	NUM
ajoaa-2044	101	15	)	)	PUNCT
ajoaa-2044	101	16	.	.	PUNCT
ajoaa-2044	102	1	they	they	PRON
ajoaa-2044	102	2	were	be	AUX
ajoaa-2044	102	3	presented	present	VERB
ajoaa-2044	102	4	on	on	ADP
ajoaa-2044	102	5	a	a	DET
ajoaa-2044	102	6	four	four	NUM
ajoaa-2044	102	7	-	-	PUNCT
ajoaa-2044	102	8	point	point	NOUN
ajoaa-2044	102	9	likert	likert	ADJ
ajoaa-2044	102	10	type	type	NOUN
ajoaa-2044	102	11	scale	scale	NOUN
ajoaa-2044	102	12	with	with	ADP
ajoaa-2044	102	13	scores	score	NOUN
ajoaa-2044	102	14	as	as	SCONJ
ajoaa-2044	102	15	strongly	strongly	ADV
ajoaa-2044	102	16	disagree	disagree	VERB
ajoaa-2044	102	17	(	(	PUNCT
ajoaa-2044	102	18	1	1	NUM
ajoaa-2044	102	19	)	)	PUNCT
ajoaa-2044	102	20	,	,	PUNCT
ajoaa-2044	102	21	disagree	disagree	VERB
ajoaa-2044	102	22	(	(	PUNCT
ajoaa-2044	102	23	2	2	NUM
ajoaa-2044	102	24	)	)	PUNCT
ajoaa-2044	102	25	,	,	PUNCT
ajoaa-2044	102	26	agree	agree	VERB
ajoaa-2044	102	27	(	(	PUNCT
ajoaa-2044	102	28	3	3	NUM
ajoaa-2044	102	29	)	)	PUNCT
ajoaa-2044	102	30	,	,	PUNCT
ajoaa-2044	102	31	and	and	CCONJ
ajoaa-2044	102	32	strongly	strongly	ADV
ajoaa-2044	102	33	agree	agree	VERB
ajoaa-2044	102	34	(	(	PUNCT
ajoaa-2044	102	35	4	4	NUM
ajoaa-2044	102	36	)	)	PUNCT
ajoaa-2044	102	37	or	or	CCONJ
ajoaa-2044	102	38	as	as	ADP
ajoaa-2044	102	39	a	a	DET
ajoaa-2044	102	40	binary	binary	ADJ
ajoaa-2044	102	41	variable	variable	NOUN
ajoaa-2044	102	42	of	of	ADP
ajoaa-2044	102	43	yes	yes	INTJ
ajoaa-2044	102	44	(	(	PUNCT
ajoaa-2044	102	45	1	1	NUM
ajoaa-2044	102	46	)	)	PUNCT
ajoaa-2044	102	47	and	and	CCONJ
ajoaa-2044	102	48	no	no	DET
ajoaa-2044	102	49	(	(	PUNCT
ajoaa-2044	102	50	0	0	NUM
ajoaa-2044	102	51	)	)	PUNCT
ajoaa-2044	102	52	.	.	PUNCT
ajoaa-2044	103	1	items	item	NOUN
ajoaa-2044	103	2	in	in	ADP
ajoaa-2044	103	3	the	the	DET
ajoaa-2044	103	4	questionnaire	questionnaire	NOUN
ajoaa-2044	103	5	would	would	AUX
ajoaa-2044	103	6	be	be	AUX
ajoaa-2044	103	7	found	find	VERB
ajoaa-2044	103	8	in	in	ADP
ajoaa-2044	103	9	tables	table	NOUN
ajoaa-2044	103	10	2	2	NUM
ajoaa-2044	103	11	to	to	PART
ajoaa-2044	103	12	4	4	NUM
ajoaa-2044	103	13	.	.	PUNCT
ajoaa-2044	104	1	data	datum	NOUN
ajoaa-2044	104	2	were	be	AUX
ajoaa-2044	104	3	analyzed	analyze	VERB
ajoaa-2044	104	4	with	with	ADP
ajoaa-2044	104	5	the	the	DET
ajoaa-2044	104	6	aid	aid	NOUN
ajoaa-2044	104	7	of	of	ADP
ajoaa-2044	104	8	ibm	ibm	PROPN
ajoaa-2044	104	9	spss	spss	PROPN
ajoaa-2044	104	10	statistic	statistic	NOUN
ajoaa-2044	104	11	20	20	NUM
ajoaa-2044	104	12	using	use	VERB
ajoaa-2044	104	13	descriptive	descriptive	ADJ
ajoaa-2044	104	14	statistics	statistic	NOUN
ajoaa-2044	104	15	(	(	PUNCT
ajoaa-2044	104	16	frequency	frequency	NOUN
ajoaa-2044	104	17	count	count	NOUN
ajoaa-2044	104	18	,	,	PUNCT
ajoaa-2044	104	19	mean	mean	VERB
ajoaa-2044	104	20	,	,	PUNCT
ajoaa-2044	104	21	and	and	CCONJ
ajoaa-2044	104	22	standard	standard	ADJ
ajoaa-2044	104	23	deviation	deviation	NOUN
ajoaa-2044	104	24	to	to	PART
ajoaa-2044	104	25	summarize	summarize	VERB
ajoaa-2044	104	26	the	the	DET
ajoaa-2044	104	27	data	datum	NOUN
ajoaa-2044	104	28	)	)	PUNCT
ajoaa-2044	104	29	and	and	CCONJ
ajoaa-2044	104	30	logistic	logistic	ADJ
ajoaa-2044	104	31	regression	regression	NOUN
ajoaa-2044	104	32	.	.	PUNCT
ajoaa-2044	105	1	hypothesis	hypothesis	NOUN
ajoaa-2044	105	2	one	one	NUM
ajoaa-2044	105	3	,	,	PUNCT
ajoaa-2044	105	4	that	that	ADV
ajoaa-2044	105	5	is	is	ADV
ajoaa-2044	105	6	,	,	PUNCT
ajoaa-2044	105	7	farmers	farmer	NOUN
ajoaa-2044	105	8	'	'	PART
ajoaa-2044	105	9	attitude	attitude	NOUN
ajoaa-2044	105	10	towards	towards	ADP
ajoaa-2044	105	11	saving	saving	NOUN
ajoaa-2044	105	12	is	be	AUX
ajoaa-2044	105	13	not	not	PART
ajoaa-2044	105	14	above	above	ADP
ajoaa-2044	105	15	average	average	ADJ
ajoaa-2044	105	16	was	be	AUX
ajoaa-2044	105	17	tested	test	VERB
ajoaa-2044	105	18	using	use	VERB
ajoaa-2044	105	19	a	a	DET
ajoaa-2044	105	20	one	one	NUM
ajoaa-2044	105	21	-	-	PUNCT
ajoaa-2044	105	22	sample	sample	NOUN
ajoaa-2044	105	23	t	t	NOUN
ajoaa-2044	105	24	-	-	PUNCT
ajoaa-2044	105	25	test	test	NOUN
ajoaa-2044	105	26	with	with	ADP
ajoaa-2044	105	27	2.50	2.50	NUM
ajoaa-2044	105	28	as	as	ADP
ajoaa-2044	105	29	the	the	DET
ajoaa-2044	105	30	test	test	NOUN
ajoaa-2044	105	31	value	value	NOUN
ajoaa-2044	105	32	.	.	PUNCT
ajoaa-2044	106	1	hypothesis	hypothesis	NOUN
ajoaa-2044	106	2	two	two	NUM
ajoaa-2044	106	3	,	,	PUNCT
ajoaa-2044	106	4	that	that	ADV
ajoaa-2044	106	5	is	is	ADV
ajoaa-2044	106	6	,	,	PUNCT
ajoaa-2044	106	7	socioeconomic	socioeconomic	ADJ
ajoaa-2044	106	8	factors	factor	NOUN
ajoaa-2044	106	9	have	have	VERB
ajoaa-2044	106	10	no	no	DET
ajoaa-2044	106	11	significant	significant	ADJ
ajoaa-2044	106	12	effect	effect	NOUN
ajoaa-2044	106	13	on	on	ADP
ajoaa-2044	106	14	farmers	farmer	NOUN
ajoaa-2044	106	15	’	'	PUNCT
ajoaa-2044	106	16	saving	save	VERB
ajoaa-2044	106	17	behavior	behavior	NOUN
ajoaa-2044	106	18	was	be	AUX
ajoaa-2044	106	19	tested	test	VERB
ajoaa-2044	106	20	using	use	VERB
ajoaa-2044	106	21	logistic	logistic	ADJ
ajoaa-2044	106	22	regression	regression	NOUN
ajoaa-2044	106	23	.	.	PUNCT
ajoaa-2044	107	1	the	the	DET
ajoaa-2044	107	2	logistic	logistic	ADJ
ajoaa-2044	107	3	regression	regression	NOUN
ajoaa-2044	107	4	model	model	NOUN
ajoaa-2044	107	5	is	be	AUX
ajoaa-2044	107	6	stated	state	VERB
ajoaa-2044	107	7	as	as	ADP
ajoaa-2044	107	8	:	:	PUNCT
ajoaa-2044	107	9	ze	ze	PROPN
ajoaa-2044	107	10	zf	zf	PROPN
ajoaa-2044	107	11			PROPN
ajoaa-2044	107	12			PROPN
ajoaa-2044	107	13	1	1	NUM
ajoaa-2044	107	14	1	1	NUM
ajoaa-2044	107	15	)	)	PUNCT
ajoaa-2044	107	16	(	(	PUNCT
ajoaa-2044	107	17	…	…	PUNCT
ajoaa-2044	107	18	…	…	PUNCT
ajoaa-2044	107	19	…	…	PUNCT
ajoaa-2044	107	20	…	…	PUNCT
ajoaa-2044	107	21	……	……	NOUN
ajoaa-2044	107	22	……	……	NOUN
ajoaa-2044	107	23	(	(	PUNCT
ajoaa-2044	107	24	1	1	NUM
ajoaa-2044	107	25	)	)	PUNCT
ajoaa-2044	107	26	where	where	SCONJ
ajoaa-2044	107	27	:	:	PUNCT
ajoaa-2044	107	28	)	)	PUNCT
ajoaa-2044	107	29	(	(	PUNCT
ajoaa-2044	107	30	zf	zf	PROPN
ajoaa-2044	107	31	is	be	AUX
ajoaa-2044	107	32	the	the	DET
ajoaa-2044	107	33	binary	binary	ADJ
ajoaa-2044	107	34	dependent	dependent	ADJ
ajoaa-2044	107	35	variable	variable	NOUN
ajoaa-2044	107	36	of	of	ADP
ajoaa-2044	107	37	the	the	DET
ajoaa-2044	107	38	farmers	farmer	NOUN
ajoaa-2044	107	39	who	who	PRON
ajoaa-2044	107	40	save	save	VERB
ajoaa-2044	107	41	(	(	PUNCT
ajoaa-2044	107	42	1	1	NUM
ajoaa-2044	107	43	)	)	PUNCT
ajoaa-2044	107	44	or	or	CCONJ
ajoaa-2044	107	45	do	do	AUX
ajoaa-2044	107	46	not	not	PART
ajoaa-2044	107	47	save	save	VERB
ajoaa-2044	107	48	(	(	PUNCT
ajoaa-2044	107	49	0	0	NUM
ajoaa-2044	107	50	)	)	PUNCT
ajoaa-2044	107	51	.	.	PUNCT
ajoaa-2044	108	1	the	the	DET
ajoaa-2044	108	2	exponent	exponent	NOUN
ajoaa-2044	108	3	of	of	ADP
ajoaa-2044	108	4	the	the	DET
ajoaa-2044	108	5	predictor	predictor	NOUN
ajoaa-2044	108	6	variables	variable	NOUN
ajoaa-2044	108	7	(	(	PUNCT
ajoaa-2044	108	8	e	e	NOUN
ajoaa-2044	108	9	-	-	NOUN
ajoaa-2044	108	10	z	z	NOUN
ajoaa-2044	108	11	)	)	PUNCT
ajoaa-2044	108	12	represents	represent	VERB
ajoaa-2044	108	13	the	the	DET
ajoaa-2044	108	14	log	log	NOUN
ajoaa-2044	108	15	-	-	PUNCT
ajoaa-2044	108	16	odds	odd	NOUN
ajoaa-2044	108	17	in	in	ADP
ajoaa-2044	108	18	favour	favour	NOUN
ajoaa-2044	108	19	of	of	ADP
ajoaa-2044	108	20	the	the	DET
ajoaa-2044	108	21	respondent	respondent	NOUN
ajoaa-2044	108	22	that	that	PRON
ajoaa-2044	108	23	does	do	AUX
ajoaa-2044	108	24	not	not	PART
ajoaa-2044	108	25	save	save	VERB
ajoaa-2044	108	26	and	and	CCONJ
ajoaa-2044	108	27	z	z	NOUN
ajoaa-2044	108	28	is	be	AUX
ajoaa-2044	108	29	a	a	DET
ajoaa-2044	108	30	vector	vector	NOUN
ajoaa-2044	108	31	of	of	ADP
ajoaa-2044	108	32	predictor	predictor	NOUN
ajoaa-2044	108	33	variables	variable	NOUN
ajoaa-2044	108	34	specified	specify	VERB
ajoaa-2044	108	35	as	as	ADP
ajoaa-2044	108	36	:	:	PUNCT
ajoaa-2044	108	37	asian	asian	ADJ
ajoaa-2044	108	38	journal	journal	NOUN
ajoaa-2044	108	39	of	of	ADP
ajoaa-2044	108	40	agriculture	agriculture	NOUN
ajoaa-2044	108	41	and	and	CCONJ
ajoaa-2044	108	42	rural	rural	ADJ
ajoaa-2044	108	43	development	development	NOUN
ajoaa-2044	108	44	,	,	PUNCT
ajoaa-2044	108	45	10(1)2020	10(1)2020	NUM
ajoaa-2044	108	46	:	:	PUNCT
ajoaa-2044	108	47	406	406	NUM
ajoaa-2044	108	48	-	-	SYM
ajoaa-2044	108	49	419	419	NUM
ajoaa-2044	108	50	410	410	NUM
ajoaa-2044	108	51	nn	nn	PROPN
ajoaa-2044	108	52	xbxbxbbz	xbxbxbbz	PROPN
ajoaa-2044	108	53	...	...	PUNCT
ajoaa-2044	108	54	22110	22110	NUM
ajoaa-2044	108	55			NOUN
ajoaa-2044	108	56	…	…	SYM
ajoaa-2044	108	57	…	…	SYM
ajoaa-2044	108	58	…	…	PUNCT
ajoaa-2044	108	59	…	…	PUNCT
ajoaa-2044	108	60	……	……	NOUN
ajoaa-2044	108	61	……	……	NOUN
ajoaa-2044	108	62	.	.	PUNCT
ajoaa-2044	109	1	(	(	PUNCT
ajoaa-2044	109	2	2	2	X
ajoaa-2044	109	3	)	)	PUNCT
ajoaa-2044	109	4	socio	socio	VERB
ajoaa-2044	109	5	economic	economic	ADJ
ajoaa-2044	109	6	characteristics	characteristic	NOUN
ajoaa-2044	109	7	of	of	ADP
ajoaa-2044	109	8	farmers	farmer	NOUN
ajoaa-2044	109	9	x1	x1	PROPN
ajoaa-2044	110	1	=	=	NOUN
ajoaa-2044	110	2	age	age	NOUN
ajoaa-2044	110	3	of	of	ADP
ajoaa-2044	110	4	farmer	farmer	NOUN
ajoaa-2044	110	5	(	(	PUNCT
ajoaa-2044	110	6	age	age	NOUN
ajoaa-2044	110	7	)	)	PUNCT
ajoaa-2044	110	8	x2	x2	NOUN
ajoaa-2044	111	1	=	=	PUNCT
ajoaa-2044	111	2	educational	educational	ADJ
ajoaa-2044	111	3	level	level	NOUN
ajoaa-2044	111	4	(	(	PUNCT
ajoaa-2044	111	5	edu	edu	PROPN
ajoaa-2044	111	6	)	)	PUNCT
ajoaa-2044	111	7	x3	x3	NOUN
ajoaa-2044	111	8	=	=	NOUN
ajoaa-2044	111	9	sex	sex	NOUN
ajoaa-2044	111	10	x4	x4	NOUN
ajoaa-2044	111	11	=	=	NOUN
ajoaa-2044	111	12	number	number	NOUN
ajoaa-2044	111	13	of	of	ADP
ajoaa-2044	111	14	year	year	NOUN
ajoaa-2044	111	15	of	of	ADP
ajoaa-2044	111	16	farming	farming	NOUN
ajoaa-2044	111	17	experience	experience	NOUN
ajoaa-2044	111	18	(	(	PUNCT
ajoaa-2044	111	19	nope	nope	INTJ
ajoaa-2044	111	20	)	)	PUNCT
ajoaa-2044	111	21	x5	x5	NOUN
ajoaa-2044	112	1	=	=	SYM
ajoaa-2044	112	2	farm	farm	NOUN
ajoaa-2044	112	3	size	size	NOUN
ajoaa-2044	112	4	(	(	PUNCT
ajoaa-2044	112	5	fs	fs	NOUN
ajoaa-2044	112	6	)	)	PUNCT
ajoaa-2044	112	7	x6	x6	PROPN
ajoaa-2044	112	8	=	=	PUNCT
ajoaa-2044	112	9	do	do	AUX
ajoaa-2044	112	10	you	you	PRON
ajoaa-2044	112	11	have	have	VERB
ajoaa-2044	112	12	a	a	DET
ajoaa-2044	112	13	regular	regular	ADJ
ajoaa-2044	112	14	source	source	NOUN
ajoaa-2044	112	15	of	of	ADP
ajoaa-2044	112	16	income	income	NOUN
ajoaa-2044	112	17	?	?	PUNCT
ajoaa-2044	113	1	(	(	PUNCT
ajoaa-2044	113	2	dhrsoi	dhrsoi	NOUN
ajoaa-2044	113	3	)	)	PUNCT
ajoaa-2044	113	4	logistic	logistic	ADJ
ajoaa-2044	113	5	regression	regression	NOUN
ajoaa-2044	113	6	is	be	AUX
ajoaa-2044	113	7	commonly	commonly	ADV
ajoaa-2044	113	8	applied	apply	VERB
ajoaa-2044	113	9	in	in	ADP
ajoaa-2044	113	10	the	the	DET
ajoaa-2044	113	11	analysis	analysis	NOUN
ajoaa-2044	113	12	of	of	ADP
ajoaa-2044	113	13	actions	action	NOUN
ajoaa-2044	113	14	with	with	ADP
ajoaa-2044	113	15	binary	binary	ADJ
ajoaa-2044	113	16	outcomes	outcome	NOUN
ajoaa-2044	113	17	.	.	PUNCT
ajoaa-2044	114	1	chauke	chauke	NOUN
ajoaa-2044	114	2	,	,	PUNCT
ajoaa-2044	114	3	motlhatlhana	motlhatlhana	PROPN
ajoaa-2044	114	4	et	et	PROPN
ajoaa-2044	114	5	al	al	PROPN
ajoaa-2044	114	6	.	.	PROPN
ajoaa-2044	114	7	,	,	PUNCT
ajoaa-2044	114	8	2013	2013	NUM
ajoaa-2044	114	9	;	;	PUNCT
ajoaa-2044	114	10	isaga	isaga	NOUN
ajoaa-2044	114	11	,	,	PUNCT
ajoaa-2044	114	12	2018	2018	NUM
ajoaa-2044	114	13	;	;	PUNCT
ajoaa-2044	114	14	and	and	CCONJ
ajoaa-2044	114	15	silong	silong	NOUN
ajoaa-2044	114	16	and	and	CCONJ
ajoaa-2044	114	17	gadanakis	gadanaki	NOUN
ajoaa-2044	114	18	,	,	PUNCT
ajoaa-2044	114	19	2019	2019	NUM
ajoaa-2044	114	20	)	)	PUNCT
ajoaa-2044	114	21	applied	apply	VERB
ajoaa-2044	114	22	it	it	PRON
ajoaa-2044	114	23	in	in	ADP
ajoaa-2044	114	24	identifying	identify	VERB
ajoaa-2044	114	25	the	the	DET
ajoaa-2044	114	26	determinants	determinant	NOUN
ajoaa-2044	114	27	of	of	ADP
ajoaa-2044	114	28	access	access	NOUN
ajoaa-2044	114	29	to	to	ADP
ajoaa-2044	114	30	credit	credit	NOUN
ajoaa-2044	114	31	.	.	PUNCT
ajoaa-2044	115	1	equation	equation	NOUN
ajoaa-2044	115	2	2	2	NUM
ajoaa-2044	115	3	is	be	AUX
ajoaa-2044	115	4	the	the	DET
ajoaa-2044	115	5	explicit	explicit	ADJ
ajoaa-2044	115	6	model	model	NOUN
ajoaa-2044	115	7	of	of	ADP
ajoaa-2044	115	8	logistic	logistic	ADJ
ajoaa-2044	115	9	regression	regression	NOUN
ajoaa-2044	115	10	.	.	PUNCT
ajoaa-2044	116	1	gerharda	gerharda	PROPN
ajoaa-2044	116	2	et	et	PROPN
ajoaa-2044	116	3	al	al	PROPN
ajoaa-2044	116	4	.	.	PUNCT
ajoaa-2044	117	1	(	(	PUNCT
ajoaa-2044	117	2	2018	2018	NUM
ajoaa-2044	117	3	)	)	PUNCT
ajoaa-2044	117	4	worked	work	VERB
ajoaa-2044	117	5	on	on	ADP
ajoaa-2044	117	6	a	a	DET
ajoaa-2044	117	7	similar	similar	ADJ
ajoaa-2044	117	8	subject	subject	NOUN
ajoaa-2044	117	9	but	but	CCONJ
ajoaa-2044	117	10	used	use	VERB
ajoaa-2044	117	11	what	what	PRON
ajoaa-2044	117	12	they	they	PRON
ajoaa-2044	117	13	called	call	VERB
ajoaa-2044	117	14	finite	finite	ADJ
ajoaa-2044	117	15	mixture	mixture	NOUN
ajoaa-2044	117	16	models	model	NOUN
ajoaa-2044	117	17	by	by	ADP
ajoaa-2044	117	18	which	which	PRON
ajoaa-2044	117	19	they	they	PRON
ajoaa-2044	117	20	separated	separate	VERB
ajoaa-2044	117	21	the	the	DET
ajoaa-2044	117	22	observed	observe	VERB
ajoaa-2044	117	23	data	datum	NOUN
ajoaa-2044	117	24	into	into	ADP
ajoaa-2044	117	25	two	two	NUM
ajoaa-2044	117	26	sub	sub	NOUN
ajoaa-2044	117	27	-	-	NOUN
ajoaa-2044	117	28	components	component	NOUN
ajoaa-2044	117	29	based	base	VERB
ajoaa-2044	117	30	on	on	ADP
ajoaa-2044	117	31	their	their	PRON
ajoaa-2044	117	32	presumption	presumption	NOUN
ajoaa-2044	117	33	that	that	SCONJ
ajoaa-2044	117	34	members	member	NOUN
ajoaa-2044	117	35	of	of	ADP
ajoaa-2044	117	36	the	the	DET
ajoaa-2044	117	37	population	population	NOUN
ajoaa-2044	117	38	belong	belong	VERB
ajoaa-2044	117	39	to	to	ADP
ajoaa-2044	117	40	two	two	NUM
ajoaa-2044	117	41	unobserved	unobserved	ADJ
ajoaa-2044	117	42	sub	sub	NOUN
ajoaa-2044	117	43	-	-	NOUN
ajoaa-2044	117	44	components	component	NOUN
ajoaa-2044	117	45	.	.	PUNCT
ajoaa-2044	118	1	differences	difference	NOUN
ajoaa-2044	118	2	in	in	ADP
ajoaa-2044	118	3	sociodemographic	sociodemographic	ADJ
ajoaa-2044	118	4	characteristics	characteristic	NOUN
ajoaa-2044	118	5	form	form	VERB
ajoaa-2044	118	6	the	the	DET
ajoaa-2044	118	7	basis	basis	NOUN
ajoaa-2044	118	8	for	for	ADP
ajoaa-2044	118	9	separation	separation	NOUN
ajoaa-2044	118	10	with	with	ADP
ajoaa-2044	118	11	the	the	DET
ajoaa-2044	118	12	implicit	implicit	ADJ
ajoaa-2044	118	13	assumption	assumption	NOUN
ajoaa-2044	118	14	that	that	SCONJ
ajoaa-2044	118	15	elements	element	NOUN
ajoaa-2044	118	16	of	of	ADP
ajoaa-2044	118	17	the	the	DET
ajoaa-2044	118	18	two	two	NUM
ajoaa-2044	118	19	subpopulations	subpopulation	NOUN
ajoaa-2044	118	20	will	will	AUX
ajoaa-2044	118	21	respond	respond	VERB
ajoaa-2044	118	22	differently	differently	ADV
ajoaa-2044	118	23	to	to	ADP
ajoaa-2044	118	24	a	a	DET
ajoaa-2044	118	25	set	set	NOUN
ajoaa-2044	118	26	of	of	ADP
ajoaa-2044	118	27	psychological	psychological	ADJ
ajoaa-2044	118	28	factors	factor	NOUN
ajoaa-2044	118	29	that	that	PRON
ajoaa-2044	118	30	are	be	AUX
ajoaa-2044	118	31	expected	expect	VERB
ajoaa-2044	118	32	to	to	PART
ajoaa-2044	118	33	affect	affect	VERB
ajoaa-2044	118	34	saving	save	VERB
ajoaa-2044	118	35	behavior	behavior	NOUN
ajoaa-2044	118	36	.	.	PUNCT
ajoaa-2044	119	1	3	3	X
ajoaa-2044	119	2	.	.	NOUN
ajoaa-2044	119	3	results	result	NOUN
ajoaa-2044	119	4	and	and	CCONJ
ajoaa-2044	119	5	discussion	discussion	NOUN
ajoaa-2044	119	6	3.1	3.1	NUM
ajoaa-2044	119	7	.	.	PUNCT
ajoaa-2044	120	1	socioeconomic	socioeconomic	ADJ
ajoaa-2044	120	2	characteristics	characteristic	NOUN
ajoaa-2044	120	3	of	of	ADP
ajoaa-2044	120	4	the	the	DET
ajoaa-2044	120	5	respondents	respondent	NOUN
ajoaa-2044	120	6	table	table	NOUN
ajoaa-2044	120	7	1	1	NUM
ajoaa-2044	120	8	shows	show	VERB
ajoaa-2044	120	9	the	the	DET
ajoaa-2044	120	10	socioeconomic	socioeconomic	ADJ
ajoaa-2044	120	11	characteristics	characteristic	NOUN
ajoaa-2044	120	12	of	of	ADP
ajoaa-2044	120	13	respondents	respondent	NOUN
ajoaa-2044	120	14	.	.	PUNCT
ajoaa-2044	121	1	their	their	PRON
ajoaa-2044	121	2	ages	age	NOUN
ajoaa-2044	121	3	ranged	range	VERB
ajoaa-2044	121	4	from	from	ADP
ajoaa-2044	121	5	23	23	NUM
ajoaa-2044	121	6	to	to	PART
ajoaa-2044	121	7	82	82	NUM
ajoaa-2044	121	8	years	year	NOUN
ajoaa-2044	121	9	with	with	ADP
ajoaa-2044	121	10	a	a	DET
ajoaa-2044	121	11	mean	mean	NOUN
ajoaa-2044	121	12	of	of	ADP
ajoaa-2044	121	13	47	47	NUM
ajoaa-2044	121	14	years	year	NOUN
ajoaa-2044	121	15	as	as	ADP
ajoaa-2044	121	16	against	against	ADP
ajoaa-2044	121	17	nigeria	nigeria	PROPN
ajoaa-2044	121	18	’s	’s	PART
ajoaa-2044	121	19	life	life	NOUN
ajoaa-2044	121	20	expectancy	expectancy	NOUN
ajoaa-2044	121	21	of	of	ADP
ajoaa-2044	121	22	54	54	NUM
ajoaa-2044	121	23	years	year	NOUN
ajoaa-2044	121	24	(	(	PUNCT
ajoaa-2044	121	25	arikpo	arikpo	NOUN
ajoaa-2044	121	26	et	et	PROPN
ajoaa-2044	121	27	al	al	PROPN
ajoaa-2044	121	28	.	.	PROPN
ajoaa-2044	121	29	,	,	PUNCT
ajoaa-2044	121	30	2019	2019	NUM
ajoaa-2044	121	31	)	)	PUNCT
ajoaa-2044	121	32	.	.	PUNCT
ajoaa-2044	122	1	out	out	ADP
ajoaa-2044	122	2	of	of	ADP
ajoaa-2044	122	3	the	the	DET
ajoaa-2044	122	4	150	150	NUM
ajoaa-2044	122	5	respondents	respondent	NOUN
ajoaa-2044	122	6	,	,	PUNCT
ajoaa-2044	122	7	38	38	NUM
ajoaa-2044	122	8	%	%	NOUN
ajoaa-2044	122	9	(	(	PUNCT
ajoaa-2044	122	10	57	57	NUM
ajoaa-2044	122	11	)	)	PUNCT
ajoaa-2044	122	12	were	be	AUX
ajoaa-2044	122	13	female	female	ADJ
ajoaa-2044	122	14	and	and	CCONJ
ajoaa-2044	122	15	62	62	NUM
ajoaa-2044	122	16	%	%	NOUN
ajoaa-2044	122	17	(	(	PUNCT
ajoaa-2044	122	18	94	94	NUM
ajoaa-2044	122	19	)	)	PUNCT
ajoaa-2044	122	20	were	be	AUX
ajoaa-2044	122	21	male	male	ADJ
ajoaa-2044	122	22	.	.	PUNCT
ajoaa-2044	123	1	male	male	NOUN
ajoaa-2044	123	2	,	,	PUNCT
ajoaa-2044	123	3	therefore	therefore	ADV
ajoaa-2044	123	4	,	,	PUNCT
ajoaa-2044	123	5	constitute	constitute	VERB
ajoaa-2044	123	6	the	the	DET
ajoaa-2044	123	7	majority	majority	NOUN
ajoaa-2044	123	8	of	of	ADP
ajoaa-2044	123	9	the	the	DET
ajoaa-2044	123	10	farming	farming	NOUN
ajoaa-2044	123	11	population	population	NOUN
ajoaa-2044	123	12	(	(	PUNCT
ajoaa-2044	123	13	anderson	anderson	PROPN
ajoaa-2044	123	14	et	et	PROPN
ajoaa-2044	123	15	al	al	PROPN
ajoaa-2044	123	16	.	.	PROPN
ajoaa-2044	123	17	,	,	PUNCT
ajoaa-2044	123	18	2017	2017	NUM
ajoaa-2044	123	19	)	)	PUNCT
ajoaa-2044	123	20	.	.	PUNCT
ajoaa-2044	124	1	this	this	DET
ajoaa-2044	124	2	average	average	ADJ
ajoaa-2044	124	3	age	age	NOUN
ajoaa-2044	124	4	of	of	ADP
ajoaa-2044	124	5	farmers	farmer	NOUN
ajoaa-2044	124	6	collaborates	collaborate	VERB
ajoaa-2044	124	7	those	those	PRON
ajoaa-2044	124	8	of	of	ADP
ajoaa-2044	124	9	(	(	PUNCT
ajoaa-2044	124	10	adepoju	adepoju	NOUN
ajoaa-2044	124	11	and	and	CCONJ
ajoaa-2044	124	12	olapade	olapade	NOUN
ajoaa-2044	124	13	,	,	PUNCT
ajoaa-2044	124	14	2015	2015	NUM
ajoaa-2044	124	15	;	;	PUNCT
ajoaa-2044	124	16	ademola	ademola	PROPN
ajoaa-2044	124	17	and	and	CCONJ
ajoaa-2044	124	18	abang	abang	PROPN
ajoaa-2044	124	19	,	,	PUNCT
ajoaa-2044	124	20	2015	2015	NUM
ajoaa-2044	124	21	;	;	PUNCT
ajoaa-2044	124	22	and	and	CCONJ
ajoaa-2044	124	23	adedejebi	adedejebi	NOUN
ajoaa-2044	124	24	,	,	PUNCT
ajoaa-2044	124	25	2019	2019	NUM
ajoaa-2044	124	26	)	)	PUNCT
ajoaa-2044	124	27	.	.	PUNCT
ajoaa-2044	125	1	the	the	DET
ajoaa-2044	125	2	average	average	ADJ
ajoaa-2044	125	3	age	age	NOUN
ajoaa-2044	125	4	of	of	ADP
ajoaa-2044	125	5	47	47	NUM
ajoaa-2044	125	6	is	be	AUX
ajoaa-2044	125	7	delicately	delicately	ADV
ajoaa-2044	125	8	close	close	ADJ
ajoaa-2044	125	9	to	to	ADP
ajoaa-2044	125	10	the	the	DET
ajoaa-2044	125	11	life	life	NOUN
ajoaa-2044	125	12	expectancy	expectancy	NOUN
ajoaa-2044	125	13	of	of	ADP
ajoaa-2044	125	14	nigeria	nigeria	PROPN
ajoaa-2044	125	15	of	of	ADP
ajoaa-2044	125	16	54	54	NUM
ajoaa-2044	125	17	years	year	NOUN
ajoaa-2044	125	18	and	and	CCONJ
ajoaa-2044	125	19	13	13	NUM
ajoaa-2044	125	20	years	year	NOUN
ajoaa-2044	125	21	short	short	ADV
ajoaa-2044	125	22	of	of	ADP
ajoaa-2044	125	23	the	the	DET
ajoaa-2044	125	24	official	official	ADJ
ajoaa-2044	125	25	retirement	retirement	NOUN
ajoaa-2044	125	26	age	age	NOUN
ajoaa-2044	125	27	of	of	ADP
ajoaa-2044	125	28	60	60	NUM
ajoaa-2044	125	29	years	year	NOUN
ajoaa-2044	125	30	,	,	PUNCT
ajoaa-2044	125	31	though	though	SCONJ
ajoaa-2044	125	32	it	it	PRON
ajoaa-2044	125	33	may	may	AUX
ajoaa-2044	125	34	not	not	PART
ajoaa-2044	125	35	apply	apply	VERB
ajoaa-2044	125	36	to	to	ADP
ajoaa-2044	125	37	farmers	farmer	NOUN
ajoaa-2044	125	38	.	.	PUNCT
ajoaa-2044	126	1	but	but	CCONJ
ajoaa-2044	126	2	access	access	NOUN
ajoaa-2044	126	3	to	to	ADP
ajoaa-2044	126	4	credit	credit	NOUN
ajoaa-2044	126	5	is	be	AUX
ajoaa-2044	126	6	negatively	negatively	ADV
ajoaa-2044	126	7	related	relate	VERB
ajoaa-2044	126	8	to	to	ADP
ajoaa-2044	126	9	age	age	NOUN
ajoaa-2044	126	10	(	(	PUNCT
ajoaa-2044	126	11	aladejebi	aladejebi	PROPN
ajoaa-2044	126	12	et	et	PROPN
ajoaa-2044	126	13	al	al	PROPN
ajoaa-2044	126	14	.	.	PROPN
ajoaa-2044	126	15	,	,	PUNCT
ajoaa-2044	126	16	2018	2018	NUM
ajoaa-2044	126	17	)	)	PUNCT
ajoaa-2044	126	18	,	,	PUNCT
ajoaa-2044	126	19	thus	thus	ADV
ajoaa-2044	126	20	there	there	PRON
ajoaa-2044	126	21	is	be	VERB
ajoaa-2044	126	22	a	a	DET
ajoaa-2044	126	23	trade	trade	NOUN
ajoaa-2044	126	24	-	-	PUNCT
ajoaa-2044	126	25	off	off	NOUN
ajoaa-2044	126	26	between	between	ADP
ajoaa-2044	126	27	age	age	NOUN
ajoaa-2044	126	28	and	and	CCONJ
ajoaa-2044	126	29	access	access	NOUN
ajoaa-2044	126	30	to	to	ADP
ajoaa-2044	126	31	bank	bank	NOUN
ajoaa-2044	126	32	credit	credit	NOUN
ajoaa-2044	126	33	,	,	PUNCT
ajoaa-2044	126	34	the	the	DET
ajoaa-2044	126	35	need	need	NOUN
ajoaa-2044	126	36	to	to	PART
ajoaa-2044	126	37	balance	balance	VERB
ajoaa-2044	126	38	whatever	whatever	DET
ajoaa-2044	126	39	benefits	benefit	NOUN
ajoaa-2044	126	40	that	that	PRON
ajoaa-2044	126	41	accompany	accompany	VERB
ajoaa-2044	126	42	age	age	NOUN
ajoaa-2044	126	43	in	in	ADP
ajoaa-2044	126	44	farming	farming	NOUN
ajoaa-2044	126	45	with	with	ADP
ajoaa-2044	126	46	the	the	DET
ajoaa-2044	126	47	credit	credit	NOUN
ajoaa-2044	126	48	access	access	NOUN
ajoaa-2044	126	49	needs	need	NOUN
ajoaa-2044	126	50	of	of	ADP
ajoaa-2044	126	51	farmers	farmer	NOUN
ajoaa-2044	126	52	to	to	ADP
ajoaa-2044	126	53	financial	financial	ADJ
ajoaa-2044	126	54	institutions	institution	NOUN
ajoaa-2044	126	55	is	be	AUX
ajoaa-2044	126	56	indicated	indicate	VERB
ajoaa-2044	126	57	.	.	PUNCT
ajoaa-2044	127	1	furthermore	furthermore	ADV
ajoaa-2044	127	2	,	,	PUNCT
ajoaa-2044	127	3	farm	farm	NOUN
ajoaa-2044	127	4	income	income	NOUN
ajoaa-2044	127	5	-	-	PUNCT
ajoaa-2044	127	6	generating	generate	VERB
ajoaa-2044	127	7	ability	ability	NOUN
ajoaa-2044	127	8	declines	decline	VERB
ajoaa-2044	127	9	with	with	ADP
ajoaa-2044	127	10	age	age	NOUN
ajoaa-2044	127	11	.	.	PUNCT
ajoaa-2044	128	1	adepoju	adepoju	PROPN
ajoaa-2044	128	2	and	and	CCONJ
ajoaa-2044	128	3	olapade	olapade	ADJ
ajoaa-2044	128	4	(	(	PUNCT
ajoaa-2044	128	5	2015	2015	NUM
ajoaa-2044	128	6	)	)	PUNCT
ajoaa-2044	128	7	observe	observe	VERB
ajoaa-2044	128	8	that	that	SCONJ
ajoaa-2044	128	9	age	age	NOUN
ajoaa-2044	128	10	and	and	CCONJ
ajoaa-2044	128	11	poverty	poverty	NOUN
ajoaa-2044	128	12	have	have	VERB
ajoaa-2044	128	13	a	a	DET
ajoaa-2044	128	14	negative	negative	ADJ
ajoaa-2044	128	15	correlation	correlation	NOUN
ajoaa-2044	128	16	such	such	ADJ
ajoaa-2044	128	17	that	that	SCONJ
ajoaa-2044	128	18	as	as	SCONJ
ajoaa-2044	128	19	the	the	DET
ajoaa-2044	128	20	farmers	farmer	NOUN
ajoaa-2044	128	21	get	get	VERB
ajoaa-2044	128	22	older	old	ADJ
ajoaa-2044	128	23	farm	farm	NOUN
ajoaa-2044	128	24	income	income	NOUN
ajoaa-2044	128	25	decreases	decrease	NOUN
ajoaa-2044	128	26	and	and	CCONJ
ajoaa-2044	128	27	poverty	poverty	NOUN
ajoaa-2044	128	28	increases	increase	NOUN
ajoaa-2044	128	29	.	.	PUNCT
ajoaa-2044	129	1	there	there	PRON
ajoaa-2044	129	2	is	be	VERB
ajoaa-2044	129	3	therefore	therefore	ADV
ajoaa-2044	129	4	a	a	DET
ajoaa-2044	129	5	message	message	NOUN
ajoaa-2044	129	6	for	for	ADP
ajoaa-2044	129	7	policymakers	policymaker	NOUN
ajoaa-2044	129	8	about	about	ADP
ajoaa-2044	129	9	farmers	farmer	NOUN
ajoaa-2044	129	10	'	'	PART
ajoaa-2044	129	11	age	age	NOUN
ajoaa-2044	129	12	structure	structure	NOUN
ajoaa-2044	129	13	,	,	PUNCT
ajoaa-2044	129	14	the	the	DET
ajoaa-2044	129	15	need	need	NOUN
ajoaa-2044	129	16	to	to	PART
ajoaa-2044	129	17	facilitate	facilitate	VERB
ajoaa-2044	129	18	the	the	DET
ajoaa-2044	129	19	entrant	entrant	NOUN
ajoaa-2044	129	20	of	of	ADP
ajoaa-2044	129	21	youths	youth	NOUN
ajoaa-2044	129	22	into	into	ADP
ajoaa-2044	129	23	the	the	DET
ajoaa-2044	129	24	farming	farming	NOUN
ajoaa-2044	129	25	business	business	NOUN
ajoaa-2044	129	26	is	be	AUX
ajoaa-2044	129	27	signaled	signal	VERB
ajoaa-2044	129	28	.	.	PUNCT
ajoaa-2044	130	1	about	about	ADV
ajoaa-2044	130	2	34	34	NUM
ajoaa-2044	130	3	%	%	NOUN
ajoaa-2044	130	4	of	of	ADP
ajoaa-2044	130	5	respondents	respondent	NOUN
ajoaa-2044	130	6	had	have	VERB
ajoaa-2044	130	7	no	no	DET
ajoaa-2044	130	8	formal	formal	ADJ
ajoaa-2044	130	9	education	education	NOUN
ajoaa-2044	130	10	.	.	PUNCT
ajoaa-2044	131	1	in	in	ADP
ajoaa-2044	131	2	other	other	ADJ
ajoaa-2044	131	3	words	word	NOUN
ajoaa-2044	131	4	,	,	PUNCT
ajoaa-2044	131	5	the	the	DET
ajoaa-2044	131	6	majority	majority	NOUN
ajoaa-2044	131	7	(	(	PUNCT
ajoaa-2044	131	8	66.2	66.2	NUM
ajoaa-2044	131	9	%	%	NOUN
ajoaa-2044	131	10	)	)	PUNCT
ajoaa-2044	131	11	of	of	ADP
ajoaa-2044	131	12	the	the	DET
ajoaa-2044	131	13	respondents	respondent	NOUN
ajoaa-2044	131	14	had	have	VERB
ajoaa-2044	131	15	varying	vary	VERB
ajoaa-2044	131	16	levels	level	NOUN
ajoaa-2044	131	17	of	of	ADP
ajoaa-2044	131	18	formal	formal	ADJ
ajoaa-2044	131	19	education	education	NOUN
ajoaa-2044	131	20	.	.	PUNCT
ajoaa-2044	132	1	a	a	DET
ajoaa-2044	132	2	higher	high	ADJ
ajoaa-2044	132	3	level	level	NOUN
ajoaa-2044	132	4	of	of	ADP
ajoaa-2044	132	5	education	education	NOUN
ajoaa-2044	132	6	makes	make	VERB
ajoaa-2044	132	7	for	for	ADP
ajoaa-2044	132	8	a	a	DET
ajoaa-2044	132	9	higher	high	ADJ
ajoaa-2044	132	10	likelihood	likelihood	NOUN
ajoaa-2044	132	11	of	of	ADP
ajoaa-2044	132	12	technology	technology	NOUN
ajoaa-2044	132	13	adoption	adoption	NOUN
ajoaa-2044	132	14	(	(	PUNCT
ajoaa-2044	132	15	ferrante	ferrante	PROPN
ajoaa-2044	132	16	and	and	CCONJ
ajoaa-2044	132	17	sabatini	sabatini	PROPN
ajoaa-2044	132	18	,	,	PUNCT
ajoaa-2044	132	19	2007	2007	NUM
ajoaa-2044	132	20	)	)	PUNCT
ajoaa-2044	132	21	and	and	CCONJ
ajoaa-2044	132	22	financial	financial	ADJ
ajoaa-2044	132	23	literacy	literacy	NOUN
ajoaa-2044	132	24	.	.	PUNCT
ajoaa-2044	133	1	education	education	NOUN
ajoaa-2044	133	2	opens	open	VERB
ajoaa-2044	133	3	up	up	ADP
ajoaa-2044	133	4	the	the	DET
ajoaa-2044	133	5	mind	mind	NOUN
ajoaa-2044	133	6	,	,	PUNCT
ajoaa-2044	133	7	thus	thus	ADV
ajoaa-2044	133	8	makes	make	VERB
ajoaa-2044	133	9	the	the	DET
ajoaa-2044	133	10	farmer	farmer	NOUN
ajoaa-2044	133	11	receptive	receptive	ADJ
ajoaa-2044	133	12	to	to	ADP
ajoaa-2044	133	13	new	new	ADJ
ajoaa-2044	133	14	and	and	CCONJ
ajoaa-2044	133	15	relevant	relevant	ADJ
ajoaa-2044	133	16	technology	technology	NOUN
ajoaa-2044	133	17	and	and	CCONJ
ajoaa-2044	133	18	thereby	thereby	ADV
ajoaa-2044	133	19	constitutes	constitute	VERB
ajoaa-2044	133	20	a	a	DET
ajoaa-2044	133	21	key	key	ADJ
ajoaa-2044	133	22	driver	driver	NOUN
ajoaa-2044	133	23	of	of	ADP
ajoaa-2044	133	24	agricultural	agricultural	ADJ
ajoaa-2044	133	25	development	development	NOUN
ajoaa-2044	133	26	(	(	PUNCT
ajoaa-2044	133	27	anik	anik	PROPN
ajoaa-2044	133	28	et	et	PROPN
ajoaa-2044	133	29	al	al	PROPN
ajoaa-2044	133	30	.	.	PROPN
ajoaa-2044	133	31	,	,	PUNCT
ajoaa-2044	133	32	2017	2017	NUM
ajoaa-2044	133	33	)	)	PUNCT
ajoaa-2044	133	34	.	.	PUNCT
ajoaa-2044	134	1	a	a	DET
ajoaa-2044	134	2	positive	positive	ADJ
ajoaa-2044	134	3	correlation	correlation	NOUN
ajoaa-2044	134	4	exists	exist	VERB
ajoaa-2044	134	5	between	between	ADP
ajoaa-2044	134	6	education	education	NOUN
ajoaa-2044	134	7	and	and	CCONJ
ajoaa-2044	134	8	farm	farm	NOUN
ajoaa-2044	134	9	output	output	NOUN
ajoaa-2044	134	10	and	and	CCONJ
ajoaa-2044	134	11	productivity	productivity	NOUN
ajoaa-2044	134	12	(	(	PUNCT
ajoaa-2044	134	13	oduro	oduro	NOUN
ajoaa-2044	134	14	et	et	PROPN
ajoaa-2044	134	15	al	al	PROPN
ajoaa-2044	134	16	.	.	PROPN
ajoaa-2044	134	17	,	,	PUNCT
ajoaa-2044	134	18	2014	2014	NUM
ajoaa-2044	134	19	)	)	PUNCT
ajoaa-2044	134	20	;	;	PUNCT
ajoaa-2044	134	21	thus	thus	ADV
ajoaa-2044	134	22	education	education	NOUN
ajoaa-2044	134	23	is	be	AUX
ajoaa-2044	134	24	essential	essential	ADJ
ajoaa-2044	134	25	for	for	ADP
ajoaa-2044	134	26	the	the	DET
ajoaa-2044	134	27	growth	growth	NOUN
ajoaa-2044	134	28	of	of	ADP
ajoaa-2044	134	29	the	the	DET
ajoaa-2044	134	30	sector	sector	NOUN
ajoaa-2044	134	31	.	.	PUNCT
ajoaa-2044	135	1	a	a	DET
ajoaa-2044	135	2	relatively	relatively	ADV
ajoaa-2044	135	3	high	high	ADJ
ajoaa-2044	135	4	proportion	proportion	NOUN
ajoaa-2044	135	5	of	of	ADP
ajoaa-2044	135	6	the	the	DET
ajoaa-2044	135	7	respondents	respondent	NOUN
ajoaa-2044	135	8	(	(	PUNCT
ajoaa-2044	135	9	52.00	52.00	NUM
ajoaa-2044	135	10	%	%	NOUN
ajoaa-2044	135	11	)	)	PUNCT
ajoaa-2044	135	12	were	be	AUX
ajoaa-2044	135	13	either	either	CCONJ
ajoaa-2044	135	14	single	single	ADJ
ajoaa-2044	135	15	(	(	PUNCT
ajoaa-2044	135	16	44.67	44.67	NUM
ajoaa-2044	135	17	%	%	NOUN
ajoaa-2044	135	18	)	)	PUNCT
ajoaa-2044	135	19	or	or	CCONJ
ajoaa-2044	135	20	single	single	ADJ
ajoaa-2044	135	21	again	again	ADV
ajoaa-2044	135	22	(	(	PUNCT
ajoaa-2044	135	23	7.33	7.33	NUM
ajoaa-2044	135	24	%	%	NOUN
ajoaa-2044	135	25	)	)	PUNCT
ajoaa-2044	135	26	,	,	PUNCT
ajoaa-2044	135	27	thus	thus	ADV
ajoaa-2044	135	28	48	48	NUM
ajoaa-2044	135	29	%	%	NOUN
ajoaa-2044	135	30	were	be	AUX
ajoaa-2044	135	31	married	marry	VERB
ajoaa-2044	135	32	.	.	PUNCT
ajoaa-2044	136	1	marital	marital	ADJ
ajoaa-2044	136	2	status	status	NOUN
ajoaa-2044	136	3	affects	affect	VERB
ajoaa-2044	136	4	access	access	NOUN
ajoaa-2044	136	5	to	to	ADP
ajoaa-2044	136	6	credit	credit	NOUN
ajoaa-2044	136	7	.	.	PUNCT
ajoaa-2044	137	1	married	married	ADJ
ajoaa-2044	137	2	farmers	farmer	NOUN
ajoaa-2044	137	3	are	be	AUX
ajoaa-2044	137	4	viewed	view	VERB
ajoaa-2044	137	5	as	as	ADP
ajoaa-2044	137	6	more	more	ADV
ajoaa-2044	137	7	responsible	responsible	ADJ
ajoaa-2044	137	8	and	and	CCONJ
ajoaa-2044	137	9	capable	capable	ADJ
ajoaa-2044	137	10	of	of	ADP
ajoaa-2044	137	11	loan	loan	NOUN
ajoaa-2044	137	12	repayment	repayment	NOUN
ajoaa-2044	137	13	(	(	PUNCT
ajoaa-2044	137	14	aladejebi	aladejebi	PROPN
ajoaa-2044	137	15	et	et	PROPN
ajoaa-2044	137	16	al	al	PROPN
ajoaa-2044	137	17	.	.	PROPN
ajoaa-2044	137	18	,	,	PUNCT
ajoaa-2044	137	19	2018	2018	NUM
ajoaa-2044	137	20	)	)	PUNCT
ajoaa-2044	137	21	than	than	ADP
ajoaa-2044	137	22	the	the	DET
ajoaa-2044	137	23	single	single	ADJ
ajoaa-2044	137	24	,	,	PUNCT
ajoaa-2044	137	25	hence	hence	ADV
ajoaa-2044	137	26	preferred	prefer	VERB
ajoaa-2044	137	27	in	in	ADP
ajoaa-2044	137	28	loan	loan	NOUN
ajoaa-2044	137	29	access	access	NOUN
ajoaa-2044	137	30	.	.	PUNCT
ajoaa-2044	138	1	that	that	SCONJ
ajoaa-2044	138	2	less	less	ADJ
ajoaa-2044	138	3	than	than	ADP
ajoaa-2044	138	4	50	50	NUM
ajoaa-2044	138	5	%	%	NOUN
ajoaa-2044	138	6	are	be	AUX
ajoaa-2044	138	7	married	married	ADJ
ajoaa-2044	138	8	may	may	AUX
ajoaa-2044	138	9	therefore	therefore	ADV
ajoaa-2044	138	10	not	not	PART
ajoaa-2044	138	11	be	be	AUX
ajoaa-2044	138	12	a	a	DET
ajoaa-2044	138	13	healthy	healthy	ADJ
ajoaa-2044	138	14	asian	asian	ADJ
ajoaa-2044	138	15	journal	journal	NOUN
ajoaa-2044	138	16	of	of	ADP
ajoaa-2044	138	17	agriculture	agriculture	NOUN
ajoaa-2044	138	18	and	and	CCONJ
ajoaa-2044	138	19	rural	rural	ADJ
ajoaa-2044	138	20	development	development	NOUN
ajoaa-2044	138	21	,	,	PUNCT
ajoaa-2044	138	22	10(1)2020	10(1)2020	NUM
ajoaa-2044	138	23	:	:	PUNCT
ajoaa-2044	138	24	406	406	NUM
ajoaa-2044	138	25	-	-	SYM
ajoaa-2044	138	26	419	419	NUM
ajoaa-2044	138	27	411	411	NUM
ajoaa-2044	138	28	development	development	NOUN
ajoaa-2044	138	29	for	for	ADP
ajoaa-2044	138	30	loan	loan	NOUN
ajoaa-2044	138	31	access	access	NOUN
ajoaa-2044	138	32	.	.	PUNCT
ajoaa-2044	139	1	knowledge	knowledge	NOUN
ajoaa-2044	139	2	of	of	ADP
ajoaa-2044	139	3	this	this	PRON
ajoaa-2044	139	4	by	by	ADP
ajoaa-2044	139	5	the	the	DET
ajoaa-2044	139	6	single	single	ADJ
ajoaa-2044	139	7	farmers	farmer	NOUN
ajoaa-2044	139	8	could	could	AUX
ajoaa-2044	139	9	discourage	discourage	VERB
ajoaa-2044	139	10	establishing	establish	VERB
ajoaa-2044	139	11	a	a	DET
ajoaa-2044	139	12	relationship	relationship	NOUN
ajoaa-2044	139	13	with	with	ADP
ajoaa-2044	139	14	the	the	DET
ajoaa-2044	139	15	banking	banking	NOUN
ajoaa-2044	139	16	system	system	NOUN
ajoaa-2044	139	17	.	.	PUNCT
ajoaa-2044	140	1	closely	closely	ADV
ajoaa-2044	140	2	related	relate	VERB
ajoaa-2044	140	3	to	to	ADP
ajoaa-2044	140	4	age	age	NOUN
ajoaa-2044	140	5	is	be	AUX
ajoaa-2044	140	6	farming	farm	VERB
ajoaa-2044	140	7	experience	experience	NOUN
ajoaa-2044	140	8	in	in	ADP
ajoaa-2044	140	9	terms	term	NOUN
ajoaa-2044	140	10	of	of	ADP
ajoaa-2044	140	11	the	the	DET
ajoaa-2044	140	12	number	number	NOUN
ajoaa-2044	140	13	of	of	ADP
ajoaa-2044	140	14	years	year	NOUN
ajoaa-2044	140	15	of	of	ADP
ajoaa-2044	140	16	involvement	involvement	NOUN
ajoaa-2044	140	17	in	in	ADP
ajoaa-2044	140	18	farming	farming	NOUN
ajoaa-2044	140	19	activities	activity	NOUN
ajoaa-2044	140	20	.	.	PUNCT
ajoaa-2044	141	1	the	the	DET
ajoaa-2044	141	2	mean	mean	ADJ
ajoaa-2044	141	3	number	number	NOUN
ajoaa-2044	141	4	of	of	ADP
ajoaa-2044	141	5	years	year	NOUN
ajoaa-2044	141	6	of	of	ADP
ajoaa-2044	141	7	experience	experience	NOUN
ajoaa-2044	141	8	which	which	PRON
ajoaa-2044	141	9	ranged	range	VERB
ajoaa-2044	141	10	from	from	ADP
ajoaa-2044	141	11	1	1	NUM
ajoaa-2044	141	12	to	to	PART
ajoaa-2044	141	13	36	36	NUM
ajoaa-2044	141	14	years	year	NOUN
ajoaa-2044	141	15	is	be	AUX
ajoaa-2044	141	16	8.28	8.28	NUM
ajoaa-2044	141	17	years	year	NOUN
ajoaa-2044	141	18	.	.	PUNCT
ajoaa-2044	142	1	experience	experience	NOUN
ajoaa-2044	142	2	is	be	AUX
ajoaa-2044	142	3	a	a	DET
ajoaa-2044	142	4	component	component	NOUN
ajoaa-2044	142	5	of	of	ADP
ajoaa-2044	142	6	human	human	ADJ
ajoaa-2044	142	7	capital	capital	NOUN
ajoaa-2044	142	8	.	.	PUNCT
ajoaa-2044	143	1	however	however	ADV
ajoaa-2044	143	2	,	,	PUNCT
ajoaa-2044	143	3	it	it	PRON
ajoaa-2044	143	4	could	could	AUX
ajoaa-2044	143	5	also	also	ADV
ajoaa-2044	143	6	be	be	AUX
ajoaa-2044	143	7	a	a	DET
ajoaa-2044	143	8	harbinger	harbinger	NOUN
ajoaa-2044	143	9	of	of	ADP
ajoaa-2044	143	10	resistant	resistant	ADJ
ajoaa-2044	143	11	to	to	PART
ajoaa-2044	143	12	change	change	VERB
ajoaa-2044	143	13	(	(	PUNCT
ajoaa-2044	143	14	igwe	igwe	PROPN
ajoaa-2044	143	15	et	et	PROPN
ajoaa-2044	143	16	al	al	PROPN
ajoaa-2044	143	17	.	.	PROPN
ajoaa-2044	143	18	,	,	PUNCT
ajoaa-2044	143	19	2018	2018	NUM
ajoaa-2044	143	20	)	)	PUNCT
ajoaa-2044	143	21	hence	hence	ADV
ajoaa-2044	143	22	a	a	DET
ajoaa-2044	143	23	balance	balance	NOUN
ajoaa-2044	143	24	needs	need	VERB
ajoaa-2044	143	25	to	to	PART
ajoaa-2044	143	26	be	be	AUX
ajoaa-2044	143	27	struck	strike	VERB
ajoaa-2044	143	28	between	between	ADP
ajoaa-2044	143	29	the	the	DET
ajoaa-2044	143	30	aging	age	VERB
ajoaa-2044	143	31	farming	farm	VERB
ajoaa-2044	143	32	population	population	NOUN
ajoaa-2044	143	33	and	and	CCONJ
ajoaa-2044	143	34	new	new	ADJ
ajoaa-2044	143	35	and	and	CCONJ
ajoaa-2044	143	36	young	young	ADJ
ajoaa-2044	143	37	entrants	entrant	NOUN
ajoaa-2044	143	38	if	if	SCONJ
ajoaa-2044	143	39	the	the	DET
ajoaa-2044	143	40	sector	sector	NOUN
ajoaa-2044	143	41	is	be	AUX
ajoaa-2044	143	42	to	to	PART
ajoaa-2044	143	43	be	be	AUX
ajoaa-2044	143	44	sustained	sustain	VERB
ajoaa-2044	143	45	both	both	PRON
ajoaa-2044	143	46	in	in	ADP
ajoaa-2044	143	47	terms	term	NOUN
ajoaa-2044	143	48	of	of	ADP
ajoaa-2044	143	49	time	time	NOUN
ajoaa-2044	143	50	and	and	CCONJ
ajoaa-2044	143	51	in	in	ADP
ajoaa-2044	143	52	terms	term	NOUN
ajoaa-2044	143	53	of	of	ADP
ajoaa-2044	143	54	growth	growth	NOUN
ajoaa-2044	143	55	and	and	CCONJ
ajoaa-2044	143	56	development	development	NOUN
ajoaa-2044	143	57	.	.	PUNCT
ajoaa-2044	144	1	household	household	NOUN
ajoaa-2044	144	2	sizes	size	NOUN
ajoaa-2044	144	3	ranged	range	VERB
ajoaa-2044	144	4	from	from	ADP
ajoaa-2044	144	5	2	2	NUM
ajoaa-2044	144	6	to	to	ADP
ajoaa-2044	144	7	10	10	NUM
ajoaa-2044	144	8	with	with	ADP
ajoaa-2044	144	9	a	a	DET
ajoaa-2044	144	10	mean	mean	NOUN
ajoaa-2044	144	11	of	of	ADP
ajoaa-2044	144	12	4	4	NUM
ajoaa-2044	144	13	persons	person	NOUN
ajoaa-2044	144	14	.	.	PUNCT
ajoaa-2044	145	1	farm	farm	NOUN
ajoaa-2044	145	2	sizes	size	NOUN
ajoaa-2044	145	3	were	be	AUX
ajoaa-2044	145	4	small	small	ADJ
ajoaa-2044	145	5	ranging	range	VERB
ajoaa-2044	145	6	from	from	ADP
ajoaa-2044	145	7	1	1	NUM
ajoaa-2044	145	8	to	to	PART
ajoaa-2044	145	9	8	8	NUM
ajoaa-2044	145	10	hectares	hectare	NOUN
ajoaa-2044	145	11	with	with	ADP
ajoaa-2044	145	12	a	a	DET
ajoaa-2044	145	13	mean	mean	NOUN
ajoaa-2044	145	14	of	of	ADP
ajoaa-2044	145	15	2.9	2.9	NUM
ajoaa-2044	145	16	.	.	PUNCT
ajoaa-2044	146	1	this	this	PRON
ajoaa-2044	146	2	is	be	AUX
ajoaa-2044	146	3	higher	high	ADJ
ajoaa-2044	146	4	than	than	ADP
ajoaa-2044	146	5	the	the	DET
ajoaa-2044	146	6	national	national	ADJ
ajoaa-2044	146	7	average	average	NOUN
ajoaa-2044	146	8	of	of	ADP
ajoaa-2044	146	9	1.9	1.9	NUM
ajoaa-2044	146	10	hectares	hectare	NOUN
ajoaa-2044	146	11	(	(	PUNCT
ajoaa-2044	146	12	anderson	anderson	PROPN
ajoaa-2044	146	13	et	et	PROPN
ajoaa-2044	146	14	al	al	PROPN
ajoaa-2044	146	15	.	.	PROPN
ajoaa-2044	146	16	,	,	PUNCT
ajoaa-2044	146	17	2017	2017	NUM
ajoaa-2044	146	18	)	)	PUNCT
ajoaa-2044	146	19	,	,	PUNCT
ajoaa-2044	146	20	but	but	CCONJ
ajoaa-2044	146	21	maybe	maybe	ADV
ajoaa-2044	146	22	below	below	ADP
ajoaa-2044	146	23	economic	economic	ADJ
ajoaa-2044	146	24	size	size	NOUN
ajoaa-2044	146	25	.	.	PUNCT
ajoaa-2044	147	1	table	table	NOUN
ajoaa-2044	147	2	1	1	NUM
ajoaa-2044	147	3	:	:	PUNCT
ajoaa-2044	147	4	distribution	distribution	NOUN
ajoaa-2044	147	5	of	of	ADP
ajoaa-2044	147	6	respondents	respondent	NOUN
ajoaa-2044	147	7	on	on	ADP
ajoaa-2044	147	8	socio	socio	NOUN
ajoaa-2044	147	9	-	-	PUNCT
ajoaa-2044	147	10	economic	economic	ADJ
ajoaa-2044	147	11	characteristics	characteristic	NOUN
ajoaa-2044	147	12	variable	variable	ADJ
ajoaa-2044	147	13	frequency	frequency	NOUN
ajoaa-2044	147	14	percentage	percentage	NOUN
ajoaa-2044	147	15	age	age	NOUN
ajoaa-2044	147	16	23	23	NUM
ajoaa-2044	147	17	-	-	SYM
ajoaa-2044	147	18	32	32	NUM
ajoaa-2044	147	19	33	33	NUM
ajoaa-2044	147	20	-	-	SYM
ajoaa-2044	147	21	42	42	NUM
ajoaa-2044	147	22	43	43	NUM
ajoaa-2044	147	23	-	-	SYM
ajoaa-2044	147	24	52	52	NUM
ajoaa-2044	147	25	53	53	NUM
ajoaa-2044	147	26	-	-	SYM
ajoaa-2044	147	27	62	62	NUM
ajoaa-2044	147	28	63	63	NUM
ajoaa-2044	147	29	-	-	SYM
ajoaa-2044	147	30	72	72	NUM
ajoaa-2044	147	31	73	73	NUM
ajoaa-2044	147	32	-	-	SYM
ajoaa-2044	147	33	82	82	NUM
ajoaa-2044	147	34	total	total	NOUN
ajoaa-2044	147	35	37	37	NUM
ajoaa-2044	147	36	30	30	NUM
ajoaa-2044	147	37	26	26	NUM
ajoaa-2044	147	38	17	17	NUM
ajoaa-2044	147	39	17	17	NUM
ajoaa-2044	147	40	23	23	NUM
ajoaa-2044	147	41	150	150	NUM
ajoaa-2044	147	42	24.67	24.67	NUM
ajoaa-2044	147	43	20.00	20.00	NUM
ajoaa-2044	147	44	17.33	17.33	NUM
ajoaa-2044	147	45	11.33	11.33	NUM
ajoaa-2044	147	46	11.33	11.33	NUM
ajoaa-2044	147	47	15.34	15.34	NUM
ajoaa-2044	147	48	100.0	100.0	NUM
ajoaa-2044	147	49	sex	sex	NOUN
ajoaa-2044	147	50	of	of	ADP
ajoaa-2044	147	51	farmers	farmer	NOUN
ajoaa-2044	147	52	female	female	ADJ
ajoaa-2044	147	53	male	male	NOUN
ajoaa-2044	147	54	total	total	NOUN
ajoaa-2044	147	55	57	57	NUM
ajoaa-2044	147	56	93	93	NUM
ajoaa-2044	147	57	150	150	NUM
ajoaa-2044	147	58	38.00	38.00	NUM
ajoaa-2044	147	59	62.00	62.00	NUM
ajoaa-2044	147	60	100.0	100.0	NUM
ajoaa-2044	147	61	education	education	NOUN
ajoaa-2044	147	62	level	level	NOUN
ajoaa-2044	147	63	no	no	DET
ajoaa-2044	147	64	formal	formal	ADJ
ajoaa-2044	147	65	education	education	NOUN
ajoaa-2044	147	66	nd	nd	NOUN
ajoaa-2044	147	67	/	/	SYM
ajoaa-2044	147	68	nce	nce	NOUN
ajoaa-2044	147	69	bachelor	bachelor	NOUN
ajoaa-2044	147	70	/	/	SYM
ajoaa-2044	147	71	hnd	hnd	X
ajoaa-2044	147	72	postgraduate	postgraduate	NOUN
ajoaa-2044	147	73	total	total	NOUN
ajoaa-2044	147	74	51	51	NUM
ajoaa-2044	147	75	46	46	NUM
ajoaa-2044	147	76	24	24	NUM
ajoaa-2044	147	77	29	29	NUM
ajoaa-2044	147	78	150	150	NUM
ajoaa-2044	147	79	34.00	34.00	NUM
ajoaa-2044	147	80	30.67	30.67	NUM
ajoaa-2044	147	81	16.00	16.00	NUM
ajoaa-2044	147	82	19.33	19.33	NUM
ajoaa-2044	147	83	100.0	100.0	NUM
ajoaa-2044	147	84	marital	marital	ADJ
ajoaa-2044	147	85	status	status	NOUN
ajoaa-2044	147	86	single	single	ADJ
ajoaa-2044	147	87	married	married	ADJ
ajoaa-2044	147	88	single	single	ADJ
ajoaa-2044	147	89	again	again	ADV
ajoaa-2044	147	90	total	total	VERB
ajoaa-2044	147	91	67	67	NUM
ajoaa-2044	147	92	72	72	NUM
ajoaa-2044	147	93	11	11	NUM
ajoaa-2044	147	94	150	150	NUM
ajoaa-2044	147	95	44.67	44.67	NUM
ajoaa-2044	147	96	48.00	48.00	NUM
ajoaa-2044	147	97	7.33	7.33	NUM
ajoaa-2044	147	98	100.0	100.0	NUM
ajoaa-2044	147	99	number	number	NOUN
ajoaa-2044	147	100	of	of	ADP
ajoaa-2044	147	101	years	year	NOUN
ajoaa-2044	147	102	of	of	ADP
ajoaa-2044	147	103	farming	farming	NOUN
ajoaa-2044	147	104	experience	experience	NOUN
ajoaa-2044	147	105	1	1	NUM
ajoaa-2044	147	106	-	-	SYM
ajoaa-2044	147	107	9	9	NUM
ajoaa-2044	147	108	10	10	NUM
ajoaa-2044	147	109	-	-	SYM
ajoaa-2044	147	110	18	18	NUM
ajoaa-2044	147	111	19	19	NUM
ajoaa-2044	147	112	-	-	SYM
ajoaa-2044	147	113	27	27	NUM
ajoaa-2044	147	114	28	28	NUM
ajoaa-2044	147	115	-	-	SYM
ajoaa-2044	147	116	36	36	NUM
ajoaa-2044	147	117	total	total	NOUN
ajoaa-2044	147	118	25	25	NUM
ajoaa-2044	147	119	28	28	NUM
ajoaa-2044	147	120	47	47	NUM
ajoaa-2044	147	121	50	50	NUM
ajoaa-2044	147	122	150	150	NUM
ajoaa-2044	147	123	16.67	16.67	NUM
ajoaa-2044	147	124	18.67	18.67	NUM
ajoaa-2044	147	125	31.33	31.33	NUM
ajoaa-2044	147	126	33.33	33.33	NUM
ajoaa-2044	147	127	100.0	100.0	NUM
ajoaa-2044	147	128	source	source	NOUN
ajoaa-2044	147	129	:	:	PUNCT
ajoaa-2044	147	130	field	field	NOUN
ajoaa-2044	147	131	survey	survey	NOUN
ajoaa-2044	147	132	,	,	PUNCT
ajoaa-2044	147	133	2018	2018	NUM
ajoaa-2044	147	134	3.2	3.2	NUM
ajoaa-2044	147	135	.	.	PUNCT
ajoaa-2044	147	136	attitude	attitude	NOUN
ajoaa-2044	147	137	towards	towards	ADP
ajoaa-2044	147	138	saving	save	VERB
ajoaa-2044	147	139	the	the	DET
ajoaa-2044	147	140	issue	issue	NOUN
ajoaa-2044	147	141	sort	sort	NOUN
ajoaa-2044	147	142	to	to	PART
ajoaa-2044	147	143	be	be	AUX
ajoaa-2044	147	144	determined	determine	VERB
ajoaa-2044	147	145	here	here	ADV
ajoaa-2044	147	146	is	be	AUX
ajoaa-2044	147	147	the	the	DET
ajoaa-2044	147	148	readiness	readiness	NOUN
ajoaa-2044	147	149	and	and	CCONJ
ajoaa-2044	147	150	preparedness	preparedness	NOUN
ajoaa-2044	147	151	of	of	ADP
ajoaa-2044	147	152	farmers	farmer	NOUN
ajoaa-2044	147	153	to	to	PART
ajoaa-2044	147	154	save	save	VERB
ajoaa-2044	147	155	,	,	PUNCT
ajoaa-2044	147	156	that	that	ADV
ajoaa-2044	147	157	is	is	ADV
ajoaa-2044	147	158	,	,	PUNCT
ajoaa-2044	147	159	what	what	PRON
ajoaa-2044	147	160	they	they	PRON
ajoaa-2044	147	161	think	think	VERB
ajoaa-2044	147	162	about	about	ADP
ajoaa-2044	147	163	money	money	NOUN
ajoaa-2044	147	164	,	,	PUNCT
ajoaa-2044	147	165	their	their	PRON
ajoaa-2044	147	166	perspective	perspective	NOUN
ajoaa-2044	147	167	of	of	ADP
ajoaa-2044	147	168	money	money	NOUN
ajoaa-2044	147	169	(	(	PUNCT
ajoaa-2044	147	170	arifin	arifin	PROPN
ajoaa-2044	147	171	,	,	PUNCT
ajoaa-2044	147	172	2018	2018	NUM
ajoaa-2044	147	173	)	)	PUNCT
ajoaa-2044	147	174	.	.	PUNCT
ajoaa-2044	148	1	hence	hence	ADV
ajoaa-2044	148	2	the	the	DET
ajoaa-2044	148	3	interest	interest	NOUN
ajoaa-2044	148	4	is	be	AUX
ajoaa-2044	148	5	on	on	ADP
ajoaa-2044	148	6	their	their	PRON
ajoaa-2044	148	7	financial	financial	ADJ
ajoaa-2044	148	8	knowledge	knowledge	NOUN
ajoaa-2044	148	9	.	.	PUNCT
ajoaa-2044	149	1	farmers	farmer	NOUN
ajoaa-2044	149	2	’	’	PART
ajoaa-2044	149	3	scores	score	NOUN
ajoaa-2044	149	4	in	in	ADP
ajoaa-2044	149	5	all	all	DET
ajoaa-2044	149	6	19	19	NUM
ajoaa-2044	149	7	items	item	NOUN
ajoaa-2044	149	8	of	of	ADP
ajoaa-2044	149	9	attitude	attitude	NOUN
ajoaa-2044	149	10	towards	towards	ADP
ajoaa-2044	149	11	saving	saving	NOUN
ajoaa-2044	149	12	are	be	AUX
ajoaa-2044	149	13	presented	present	VERB
ajoaa-2044	149	14	in	in	ADP
ajoaa-2044	149	15	table	table	NOUN
ajoaa-2044	149	16	4.2	4.2	NUM
ajoaa-2044	149	17	.	.	PUNCT
ajoaa-2044	150	1	the	the	DET
ajoaa-2044	150	2	scores	score	NOUN
ajoaa-2044	150	3	were	be	AUX
ajoaa-2044	150	4	generally	generally	ADV
ajoaa-2044	150	5	high	high	ADJ
ajoaa-2044	150	6	for	for	ADP
ajoaa-2044	150	7	items	item	NOUN
ajoaa-2044	150	8	that	that	PRON
ajoaa-2044	150	9	encourage	encourage	VERB
ajoaa-2044	150	10	saving	saving	NOUN
ajoaa-2044	150	11	and	and	CCONJ
ajoaa-2044	150	12	relatively	relatively	ADV
ajoaa-2044	150	13	low	low	ADJ
ajoaa-2044	150	14	for	for	ADP
ajoaa-2044	150	15	items	item	NOUN
ajoaa-2044	150	16	that	that	PRON
ajoaa-2044	150	17	discourage	discourage	VERB
ajoaa-2044	150	18	saving	saving	NOUN
ajoaa-2044	150	19	.	.	PUNCT
ajoaa-2044	151	1	this	this	PRON
ajoaa-2044	151	2	indicates	indicate	VERB
ajoaa-2044	151	3	that	that	SCONJ
ajoaa-2044	151	4	the	the	DET
ajoaa-2044	151	5	respondents	respondent	NOUN
ajoaa-2044	151	6	have	have	VERB
ajoaa-2044	151	7	high	high	ADJ
ajoaa-2044	151	8	financial	financial	ADJ
ajoaa-2044	151	9	asian	asian	ADJ
ajoaa-2044	151	10	journal	journal	NOUN
ajoaa-2044	151	11	of	of	ADP
ajoaa-2044	151	12	agriculture	agriculture	NOUN
ajoaa-2044	151	13	and	and	CCONJ
ajoaa-2044	151	14	rural	rural	ADJ
ajoaa-2044	151	15	development	development	NOUN
ajoaa-2044	151	16	,	,	PUNCT
ajoaa-2044	151	17	10(1)2020	10(1)2020	NUM
ajoaa-2044	151	18	:	:	PUNCT
ajoaa-2044	151	19	406	406	NUM
ajoaa-2044	151	20	-	-	SYM
ajoaa-2044	151	21	419	419	NUM
ajoaa-2044	151	22	412	412	NUM
ajoaa-2044	151	23	awareness	awareness	NOUN
ajoaa-2044	151	24	/	/	SYM
ajoaa-2044	151	25	knowledge	knowledge	NOUN
ajoaa-2044	151	26	.	.	PUNCT
ajoaa-2044	152	1	for	for	ADP
ajoaa-2044	152	2	example	example	NOUN
ajoaa-2044	152	3	,	,	PUNCT
ajoaa-2044	152	4	not	not	PART
ajoaa-2044	152	5	one	one	NUM
ajoaa-2044	152	6	farmer	farmer	NOUN
ajoaa-2044	152	7	disagreed	disagree	VERB
ajoaa-2044	152	8	with	with	ADP
ajoaa-2044	152	9	item	item	NOUN
ajoaa-2044	152	10	(	(	PUNCT
ajoaa-2044	152	11	i	i	NOUN
ajoaa-2044	152	12	)	)	PUNCT
ajoaa-2044	152	13	“	"	PUNCT
ajoaa-2044	152	14	it	it	PRON
ajoaa-2044	152	15	is	be	AUX
ajoaa-2044	152	16	important	important	ADJ
ajoaa-2044	152	17	to	to	PART
ajoaa-2044	152	18	save	save	VERB
ajoaa-2044	152	19	”	"	PUNCT
ajoaa-2044	152	20	.	.	PUNCT
ajoaa-2044	153	1	this	this	DET
ajoaa-2044	153	2	response	response	NOUN
ajoaa-2044	153	3	indicates	indicate	VERB
ajoaa-2044	153	4	the	the	DET
ajoaa-2044	153	5	desire	desire	NOUN
ajoaa-2044	153	6	to	to	PART
ajoaa-2044	153	7	save	save	VERB
ajoaa-2044	153	8	.	.	PUNCT
ajoaa-2044	154	1	that	that	SCONJ
ajoaa-2044	154	2	they	they	PRON
ajoaa-2044	154	3	all	all	PRON
ajoaa-2044	154	4	agreed	agree	VERB
ajoaa-2044	154	5	to	to	ADP
ajoaa-2044	154	6	this	this	DET
ajoaa-2044	154	7	item	item	NOUN
ajoaa-2044	154	8	could	could	AUX
ajoaa-2044	154	9	imply	imply	VERB
ajoaa-2044	154	10	a	a	DET
ajoaa-2044	154	11	readiness	readiness	NOUN
ajoaa-2044	154	12	to	to	PART
ajoaa-2044	154	13	save	save	VERB
ajoaa-2044	154	14	if	if	SCONJ
ajoaa-2044	154	15	their	their	PRON
ajoaa-2044	154	16	capacity	capacity	NOUN
ajoaa-2044	154	17	to	to	PART
ajoaa-2044	154	18	save	save	VERB
ajoaa-2044	154	19	and	and	CCONJ
ajoaa-2044	154	20	if	if	SCONJ
ajoaa-2044	154	21	the	the	DET
ajoaa-2044	154	22	institutional	institutional	ADJ
ajoaa-2044	154	23	conditions	condition	NOUN
ajoaa-2044	154	24	for	for	ADP
ajoaa-2044	154	25	saving	save	VERB
ajoaa-2044	154	26	are	be	AUX
ajoaa-2044	154	27	favourable	favourable	ADJ
ajoaa-2044	154	28	.	.	PUNCT
ajoaa-2044	155	1	farmers	farmer	NOUN
ajoaa-2044	155	2	(	(	PUNCT
ajoaa-2044	155	3	79.50	79.50	NUM
ajoaa-2044	155	4	%	%	NOUN
ajoaa-2044	155	5	)	)	PUNCT
ajoaa-2044	155	6	do	do	AUX
ajoaa-2044	155	7	not	not	PART
ajoaa-2044	155	8	like	like	VERB
ajoaa-2044	155	9	owing	owe	VERB
ajoaa-2044	155	10	debt	debt	NOUN
ajoaa-2044	155	11	(	(	PUNCT
ajoaa-2044	155	12	item	item	NOUN
ajoaa-2044	155	13	vii	vii	PROPN
ajoaa-2044	155	14	)	)	PUNCT
ajoaa-2044	155	15	.	.	PUNCT
ajoaa-2044	156	1	this	this	PRON
ajoaa-2044	156	2	could	could	AUX
ajoaa-2044	156	3	be	be	AUX
ajoaa-2044	156	4	a	a	DET
ajoaa-2044	156	5	reaction	reaction	NOUN
ajoaa-2044	156	6	to	to	ADP
ajoaa-2044	156	7	the	the	DET
ajoaa-2044	156	8	submission	submission	NOUN
ajoaa-2044	156	9	that	that	SCONJ
ajoaa-2044	156	10	traditional	traditional	ADJ
ajoaa-2044	156	11	bank	bank	NOUN
ajoaa-2044	156	12	loans	loan	NOUN
ajoaa-2044	156	13	may	may	AUX
ajoaa-2044	156	14	not	not	PART
ajoaa-2044	156	15	be	be	AUX
ajoaa-2044	156	16	supportive	supportive	ADJ
ajoaa-2044	156	17	of	of	ADP
ajoaa-2044	156	18	small	small	ADJ
ajoaa-2044	156	19	to	to	PART
ajoaa-2044	156	20	medium	medium	ADJ
ajoaa-2044	156	21	enterprises	enterprise	NOUN
ajoaa-2044	156	22	(	(	PUNCT
ajoaa-2044	156	23	smes	sme	NOUN
ajoaa-2044	156	24	)	)	PUNCT
ajoaa-2044	156	25	at	at	ADP
ajoaa-2044	156	26	some	some	DET
ajoaa-2044	156	27	stages	stage	NOUN
ajoaa-2044	156	28	of	of	ADP
ajoaa-2044	156	29	the	the	DET
ajoaa-2044	156	30	firm	firm	NOUN
ajoaa-2044	156	31	’s	’s	PART
ajoaa-2044	156	32	life	life	NOUN
ajoaa-2044	156	33	cycle	cycle	NOUN
ajoaa-2044	156	34	(	(	PUNCT
ajoaa-2044	156	35	oecd	oecd	PROPN
ajoaa-2044	156	36	,	,	PUNCT
ajoaa-2044	156	37	2015	2015	NUM
ajoaa-2044	156	38	)	)	PUNCT
ajoaa-2044	156	39	.	.	PUNCT
ajoaa-2044	157	1	they	they	PRON
ajoaa-2044	157	2	try	try	VERB
ajoaa-2044	157	3	to	to	PART
ajoaa-2044	157	4	save	save	VERB
ajoaa-2044	157	5	as	as	ADP
ajoaa-2044	157	6	a	a	DET
ajoaa-2044	157	7	matter	matter	NOUN
ajoaa-2044	157	8	of	of	ADP
ajoaa-2044	157	9	habit	habit	NOUN
ajoaa-2044	157	10	and	and	CCONJ
ajoaa-2044	157	11	saving	saving	NOUN
ajoaa-2044	157	12	is	be	AUX
ajoaa-2044	157	13	usually	usually	ADV
ajoaa-2044	157	14	for	for	ADP
ajoaa-2044	157	15	precautionary	precautionary	ADJ
ajoaa-2044	157	16	reasons	reason	NOUN
ajoaa-2044	157	17	(	(	PUNCT
ajoaa-2044	157	18	94.70	94.70	NUM
ajoaa-2044	157	19	%	%	NOUN
ajoaa-2044	157	20	)	)	PUNCT
ajoaa-2044	157	21	(	(	PUNCT
ajoaa-2044	157	22	item	item	NOUN
ajoaa-2044	157	23	v	v	PROPN
ajoaa-2044	157	24	&	&	CCONJ
ajoaa-2044	157	25	iii	iii	PROPN
ajoaa-2044	157	26	)	)	PUNCT
ajoaa-2044	157	27	.	.	PUNCT
ajoaa-2044	158	1	unfortunately	unfortunately	ADV
ajoaa-2044	158	2	,	,	PUNCT
ajoaa-2044	158	3	91.40	91.40	NUM
ajoaa-2044	158	4	%	%	NOUN
ajoaa-2044	158	5	of	of	ADP
ajoaa-2044	158	6	respondents	respondent	NOUN
ajoaa-2044	158	7	are	be	AUX
ajoaa-2044	158	8	in	in	ADP
ajoaa-2044	158	9	search	search	NOUN
ajoaa-2044	158	10	of	of	ADP
ajoaa-2044	158	11	alternative	alternative	ADJ
ajoaa-2044	158	12	ways	way	NOUN
ajoaa-2044	158	13	of	of	ADP
ajoaa-2044	158	14	saving	saving	NOUN
ajoaa-2044	158	15	(	(	PUNCT
ajoaa-2044	158	16	item	item	NOUN
ajoaa-2044	158	17	iv	iv	NUM
ajoaa-2044	158	18	)	)	PUNCT
ajoaa-2044	158	19	since	since	SCONJ
ajoaa-2044	158	20	they	they	PRON
ajoaa-2044	158	21	do	do	AUX
ajoaa-2044	158	22	not	not	PART
ajoaa-2044	158	23	appear	appear	VERB
ajoaa-2044	158	24	to	to	PART
ajoaa-2044	158	25	be	be	AUX
ajoaa-2044	158	26	very	very	ADV
ajoaa-2044	158	27	comfortable	comfortable	ADJ
ajoaa-2044	158	28	with	with	ADP
ajoaa-2044	158	29	banking	banking	NOUN
ajoaa-2044	158	30	practices	practice	NOUN
ajoaa-2044	158	31	and	and	CCONJ
ajoaa-2044	158	32	maintaining	maintain	VERB
ajoaa-2044	158	33	bank	bank	NOUN
ajoaa-2044	158	34	account	account	NOUN
ajoaa-2044	158	35	(	(	PUNCT
ajoaa-2044	158	36	items	item	NOUN
ajoaa-2044	158	37	x	x	PUNCT
ajoaa-2044	158	38	and	and	CCONJ
ajoaa-2044	158	39	xi	xi	NOUN
ajoaa-2044	158	40	)	)	PUNCT
ajoaa-2044	158	41	.	.	PUNCT
ajoaa-2044	159	1	they	they	PRON
ajoaa-2044	159	2	desire	desire	VERB
ajoaa-2044	159	3	to	to	PART
ajoaa-2044	159	4	have	have	VERB
ajoaa-2044	159	5	a	a	DET
ajoaa-2044	159	6	lot	lot	NOUN
ajoaa-2044	159	7	of	of	ADP
ajoaa-2044	159	8	money	money	NOUN
ajoaa-2044	159	9	(	(	PUNCT
ajoaa-2044	159	10	items	item	NOUN
ajoaa-2044	159	11	xii	xii	X
ajoaa-2044	159	12	and	and	CCONJ
ajoaa-2044	159	13	xiv	xiv	PROPN
ajoaa-2044	159	14	)	)	PUNCT
ajoaa-2044	159	15	thus	thus	ADV
ajoaa-2044	159	16	they	they	PRON
ajoaa-2044	159	17	are	be	AUX
ajoaa-2044	159	18	frugal	frugal	ADJ
ajoaa-2044	159	19	and	and	CCONJ
ajoaa-2044	159	20	prefer	prefer	VERB
ajoaa-2044	159	21	credit	credit	NOUN
ajoaa-2044	159	22	purchases	purchase	NOUN
ajoaa-2044	159	23	to	to	PART
ajoaa-2044	159	24	cash	cash	NOUN
ajoaa-2044	159	25	purchases	purchase	NOUN
ajoaa-2044	159	26	(	(	PUNCT
ajoaa-2044	159	27	items	item	NOUN
ajoaa-2044	159	28	xii	xii	NOUN
ajoaa-2044	159	29	and	and	CCONJ
ajoaa-2044	159	30	xix	xix	PROPN
ajoaa-2044	159	31	,	,	PUNCT
ajoaa-2044	159	32	xvi	xvi	NOUN
ajoaa-2044	159	33	and	and	CCONJ
ajoaa-2044	159	34	xviii	xviii	NOUN
ajoaa-2044	159	35	)	)	PUNCT
ajoaa-2044	159	36	.	.	PUNCT
ajoaa-2044	160	1	all	all	DET
ajoaa-2044	160	2	these	these	DET
ajoaa-2044	160	3	sum	sum	NOUN
ajoaa-2044	160	4	up	up	ADP
ajoaa-2044	160	5	to	to	PART
ajoaa-2044	160	6	indicate	indicate	VERB
ajoaa-2044	160	7	the	the	DET
ajoaa-2044	160	8	financial	financial	ADJ
ajoaa-2044	160	9	awareness	awareness	NOUN
ajoaa-2044	160	10	of	of	ADP
ajoaa-2044	160	11	the	the	DET
ajoaa-2044	160	12	respondents	respondent	NOUN
ajoaa-2044	160	13	and	and	CCONJ
ajoaa-2044	160	14	their	their	PRON
ajoaa-2044	160	15	positive	positive	ADJ
ajoaa-2044	160	16	attitude	attitude	NOUN
ajoaa-2044	160	17	to	to	ADP
ajoaa-2044	160	18	saving	save	VERB
ajoaa-2044	160	19	.	.	PUNCT
ajoaa-2044	161	1	such	such	ADJ
ajoaa-2044	161	2	conditions	condition	NOUN
ajoaa-2044	161	3	make	make	VERB
ajoaa-2044	161	4	for	for	ADP
ajoaa-2044	161	5	healthy	healthy	ADJ
ajoaa-2044	161	6	financial	financial	ADJ
ajoaa-2044	161	7	practices	practice	NOUN
ajoaa-2044	161	8	(	(	PUNCT
ajoaa-2044	161	9	arifin	arifin	PROPN
ajoaa-2044	161	10	,	,	PUNCT
ajoaa-2044	161	11	2018	2018	NUM
ajoaa-2044	161	12	)	)	PUNCT
ajoaa-2044	161	13	and	and	CCONJ
ajoaa-2044	161	14	positively	positively	ADV
ajoaa-2044	161	15	affect	affect	VERB
ajoaa-2044	161	16	financial	financial	ADJ
ajoaa-2044	161	17	behaviour	behaviour	NOUN
ajoaa-2044	161	18	.	.	PUNCT
ajoaa-2044	162	1	positive	positive	ADJ
ajoaa-2044	162	2	attitude	attitude	NOUN
ajoaa-2044	162	3	towards	towards	ADP
ajoaa-2044	162	4	saving	save	VERB
ajoaa-2044	162	5	engenders	engender	NOUN
ajoaa-2044	162	6	the	the	DET
ajoaa-2044	162	7	desire	desire	NOUN
ajoaa-2044	162	8	to	to	PART
ajoaa-2044	162	9	save	save	VERB
ajoaa-2044	162	10	and	and	CCONJ
ajoaa-2044	162	11	invest	invest	VERB
ajoaa-2044	162	12	in	in	ADP
ajoaa-2044	162	13	the	the	DET
ajoaa-2044	162	14	farm	farm	NOUN
ajoaa-2044	162	15	business	business	NOUN
ajoaa-2044	162	16	.	.	PUNCT
ajoaa-2044	163	1	with	with	ADP
ajoaa-2044	163	2	expanded	expand	VERB
ajoaa-2044	163	3	farm	farm	NOUN
ajoaa-2044	163	4	business	business	NOUN
ajoaa-2044	163	5	and	and	CCONJ
ajoaa-2044	163	6	attendant	attendant	ADJ
ajoaa-2044	163	7	higher	high	ADJ
ajoaa-2044	163	8	volume	volume	NOUN
ajoaa-2044	163	9	of	of	ADP
ajoaa-2044	163	10	output	output	NOUN
ajoaa-2044	163	11	and	and	CCONJ
ajoaa-2044	163	12	profit	profit	NOUN
ajoaa-2044	163	13	,	,	PUNCT
ajoaa-2044	163	14	financial	financial	ADJ
ajoaa-2044	163	15	planning	planning	NOUN
ajoaa-2044	163	16	will	will	AUX
ajoaa-2044	163	17	assume	assume	VERB
ajoaa-2044	163	18	greater	great	ADJ
ajoaa-2044	163	19	importance	importance	NOUN
ajoaa-2044	163	20	in	in	ADP
ajoaa-2044	163	21	the	the	DET
ajoaa-2044	163	22	activities	activity	NOUN
ajoaa-2044	163	23	of	of	ADP
ajoaa-2044	163	24	these	these	DET
ajoaa-2044	163	25	farmers	farmer	NOUN
ajoaa-2044	163	26	(	(	PUNCT
ajoaa-2044	163	27	arifin	arifin	PROPN
ajoaa-2044	163	28	,	,	PUNCT
ajoaa-2044	163	29	2018	2018	NUM
ajoaa-2044	163	30	)	)	PUNCT
ajoaa-2044	163	31	.	.	PUNCT
ajoaa-2044	164	1	the	the	DET
ajoaa-2044	164	2	respondents	respondent	NOUN
ajoaa-2044	164	3	are	be	AUX
ajoaa-2044	164	4	aware	aware	ADJ
ajoaa-2044	164	5	that	that	SCONJ
ajoaa-2044	164	6	savings	saving	NOUN
ajoaa-2044	164	7	come	come	VERB
ajoaa-2044	164	8	from	from	ADP
ajoaa-2044	164	9	income	income	NOUN
ajoaa-2044	164	10	and	and	CCONJ
ajoaa-2044	164	11	the	the	DET
ajoaa-2044	164	12	desire	desire	NOUN
ajoaa-2044	164	13	to	to	PART
ajoaa-2044	164	14	have	have	AUX
ajoaa-2044	164	15	“	"	PUNCT
ajoaa-2044	164	16	a	a	DET
ajoaa-2044	164	17	lot	lot	NOUN
ajoaa-2044	164	18	of	of	ADP
ajoaa-2044	164	19	money	money	NOUN
ajoaa-2044	164	20	”	"	PUNCT
ajoaa-2044	164	21	(	(	PUNCT
ajoaa-2044	164	22	items	item	NOUN
ajoaa-2044	164	23	xiii	xiii	PROPN
ajoaa-2044	164	24	and	and	CCONJ
ajoaa-2044	164	25	xiv	xiv	PROPN
ajoaa-2044	164	26	)	)	PUNCT
ajoaa-2044	164	27	which	which	PRON
ajoaa-2044	164	28	can	can	AUX
ajoaa-2044	164	29	only	only	ADV
ajoaa-2044	164	30	come	come	VERB
ajoaa-2044	164	31	from	from	ADP
ajoaa-2044	164	32	an	an	DET
ajoaa-2044	164	33	expanded	expand	VERB
ajoaa-2044	164	34	and	and	CCONJ
ajoaa-2044	164	35	profitable	profitable	ADJ
ajoaa-2044	164	36	farm	farm	NOUN
ajoaa-2044	164	37	business	business	NOUN
ajoaa-2044	164	38	.	.	PUNCT
ajoaa-2044	165	1	3.3	3.3	NUM
ajoaa-2044	165	2	.	.	PUNCT
ajoaa-2044	165	3	test	test	NOUN
ajoaa-2044	165	4	of	of	ADP
ajoaa-2044	165	5	ho1	ho1	NOUN
ajoaa-2044	165	6	:	:	PUNCT
ajoaa-2044	165	7	farmer	farmer	NOUN
ajoaa-2044	165	8	's	's	PART
ajoaa-2044	165	9	attitude	attitude	NOUN
ajoaa-2044	165	10	towards	towards	ADP
ajoaa-2044	165	11	saving	saving	NOUN
ajoaa-2044	165	12	is	be	AUX
ajoaa-2044	165	13	not	not	PART
ajoaa-2044	165	14	above	above	ADV
ajoaa-2044	165	15	average	average	VERB
ajoaa-2044	165	16	the	the	DET
ajoaa-2044	165	17	mean	mean	ADJ
ajoaa-2044	165	18	scores	score	NOUN
ajoaa-2044	165	19	of	of	ADP
ajoaa-2044	165	20	respondents	respondent	NOUN
ajoaa-2044	165	21	on	on	ADP
ajoaa-2044	165	22	all	all	DET
ajoaa-2044	165	23	attitudinal	attitudinal	ADJ
ajoaa-2044	165	24	items	item	NOUN
ajoaa-2044	165	25	were	be	AUX
ajoaa-2044	165	26	subjected	subject	VERB
ajoaa-2044	165	27	to	to	ADP
ajoaa-2044	165	28	a	a	DET
ajoaa-2044	165	29	one	one	NUM
ajoaa-2044	165	30	sample	sample	NOUN
ajoaa-2044	165	31	t	t	NOUN
ajoaa-2044	165	32	-	-	PUNCT
ajoaa-2044	165	33	test	test	NOUN
ajoaa-2044	165	34	using	use	VERB
ajoaa-2044	165	35	2.50	2.50	NUM
ajoaa-2044	165	36	as	as	ADP
ajoaa-2044	165	37	a	a	DET
ajoaa-2044	165	38	test	test	NOUN
ajoaa-2044	165	39	value	value	NOUN
ajoaa-2044	165	40	for	for	ADP
ajoaa-2044	165	41	the	the	DET
ajoaa-2044	165	42	hypothesis	hypothesis	NOUN
ajoaa-2044	165	43	“	"	PUNCT
ajoaa-2044	165	44	farmers	farmer	NOUN
ajoaa-2044	165	45	'	'	PART
ajoaa-2044	165	46	attitudes	attitude	NOUN
ajoaa-2044	165	47	towards	towards	ADP
ajoaa-2044	165	48	saving	saving	NOUN
ajoaa-2044	165	49	is	be	AUX
ajoaa-2044	165	50	not	not	PART
ajoaa-2044	165	51	above	above	ADV
ajoaa-2044	165	52	average	average	ADJ
ajoaa-2044	165	53	”	"	PUNCT
ajoaa-2044	165	54	the	the	DET
ajoaa-2044	165	55	overall	overall	ADJ
ajoaa-2044	165	56	mean	mean	NOUN
ajoaa-2044	165	57	score	score	NOUN
ajoaa-2044	165	58	was	be	AUX
ajoaa-2044	165	59	2.59	2.59	NUM
ajoaa-2044	165	60	with	with	ADP
ajoaa-2044	165	61	a	a	DET
ajoaa-2044	165	62	standard	standard	ADJ
ajoaa-2044	165	63	deviation	deviation	NOUN
ajoaa-2044	165	64	of	of	ADP
ajoaa-2044	165	65	0.31	0.31	NUM
ajoaa-2044	165	66	.	.	PUNCT
ajoaa-2044	166	1	the	the	DET
ajoaa-2044	166	2	result	result	NOUN
ajoaa-2044	166	3	(	(	PUNCT
ajoaa-2044	166	4	t	t	NOUN
ajoaa-2044	166	5	=	=	SYM
ajoaa-2044	166	6	7.63	7.63	NUM
ajoaa-2044	166	7	,	,	PUNCT
ajoaa-2044	166	8	df	df	PROPN
ajoaa-2044	166	9	=	=	NUM
ajoaa-2044	166	10	150	150	NUM
ajoaa-2044	166	11	,	,	PUNCT
ajoaa-2044	166	12	p	p	NOUN
ajoaa-2044	166	13	=	=	NOUN
ajoaa-2044	166	14	.04	.04	NUM
ajoaa-2044	166	15	)	)	PUNCT
ajoaa-2044	166	16	was	be	AUX
ajoaa-2044	166	17	significant	significant	ADJ
ajoaa-2044	166	18	at	at	ADP
ajoaa-2044	166	19	5	5	NUM
ajoaa-2044	166	20	%	%	NOUN
ajoaa-2044	166	21	critical	critical	ADJ
ajoaa-2044	166	22	level	level	NOUN
ajoaa-2044	166	23	.	.	PUNCT
ajoaa-2044	167	1	hence	hence	ADV
ajoaa-2044	167	2	the	the	DET
ajoaa-2044	167	3	null	null	ADJ
ajoaa-2044	167	4	hypothesis	hypothesis	NOUN
ajoaa-2044	167	5	that	that	PRON
ajoaa-2044	167	6	farmers	farmer	NOUN
ajoaa-2044	167	7	’	’	PART
ajoaa-2044	167	8	attitudes	attitude	NOUN
ajoaa-2044	167	9	towards	towards	ADP
ajoaa-2044	167	10	saving	saving	NOUN
ajoaa-2044	167	11	are	be	AUX
ajoaa-2044	167	12	below	below	ADP
ajoaa-2044	167	13	average	average	NOUN
ajoaa-2044	167	14	is	be	AUX
ajoaa-2044	167	15	rejected	reject	VERB
ajoaa-2044	167	16	and	and	CCONJ
ajoaa-2044	167	17	the	the	DET
ajoaa-2044	167	18	alternative	alternative	NOUN
ajoaa-2044	167	19	accepted	accept	VERB
ajoaa-2044	167	20	.	.	PUNCT
ajoaa-2044	168	1	in	in	ADP
ajoaa-2044	168	2	other	other	ADJ
ajoaa-2044	168	3	words	word	NOUN
ajoaa-2044	168	4	,	,	PUNCT
ajoaa-2044	168	5	farmers	farmer	NOUN
ajoaa-2044	168	6	’	’	PART
ajoaa-2044	168	7	attitude	attitude	NOUN
ajoaa-2044	168	8	towards	towards	ADP
ajoaa-2044	168	9	saving	saving	NOUN
ajoaa-2044	168	10	is	be	AUX
ajoaa-2044	168	11	positive	positive	ADJ
ajoaa-2044	168	12	,	,	PUNCT
ajoaa-2044	168	13	they	they	PRON
ajoaa-2044	168	14	have	have	VERB
ajoaa-2044	168	15	a	a	DET
ajoaa-2044	168	16	mindset	mindset	NOUN
ajoaa-2044	168	17	to	to	PART
ajoaa-2044	168	18	save	save	VERB
ajoaa-2044	168	19	.	.	PUNCT
ajoaa-2044	169	1	table	table	NOUN
ajoaa-2044	169	2	2	2	NUM
ajoaa-2044	169	3	:	:	PUNCT
ajoaa-2044	169	4	respondents	respondent	NOUN
ajoaa-2044	169	5	attitude	attitude	NOUN
ajoaa-2044	169	6	towards	towards	ADP
ajoaa-2044	169	7	saving	save	VERB
ajoaa-2044	169	8	no	no	INTJ
ajoaa-2044	169	9	.	.	PUNCT
ajoaa-2044	170	1	variables	variable	NOUN
ajoaa-2044	170	2	sd	sd	ADP
ajoaa-2044	170	3	d	d	PROPN
ajoaa-2044	170	4	a	a	PRON
ajoaa-2044	170	5	sa	sa	NOUN
ajoaa-2044	170	6	mean	mean	ADJ
ajoaa-2044	170	7	std	std	PROPN
ajoaa-2044	170	8	.	.	PROPN
ajoaa-2044	170	9	dev	dev	PROPN
ajoaa-2044	170	10	.	.	PUNCT
ajoaa-2044	170	11	i.	i.	PROPN
ajoaa-2044	171	1	it	it	PRON
ajoaa-2044	171	2	is	be	AUX
ajoaa-2044	171	3	important	important	ADJ
ajoaa-2044	171	4	to	to	PART
ajoaa-2044	171	5	save	save	VERB
ajoaa-2044	171	6	22(14.6	22(14.6	NUM
ajoaa-2044	171	7	)	)	PUNCT
ajoaa-2044	171	8	129(85.4	129(85.4	NUM
ajoaa-2044	171	9	)	)	PUNCT
ajoaa-2044	171	10	3.85	3.85	NUM
ajoaa-2044	171	11	ii	ii	NOUN
ajoaa-2044	171	12	you	you	PRON
ajoaa-2044	171	13	can	can	AUX
ajoaa-2044	171	14	not	not	PART
ajoaa-2044	171	15	get	get	VERB
ajoaa-2044	171	16	far	far	ADV
ajoaa-2044	171	17	without	without	ADP
ajoaa-2044	171	18	saving	save	VERB
ajoaa-2044	171	19	7(4.6	7(4.6	NUM
ajoaa-2044	171	20	)	)	PUNCT
ajoaa-2044	171	21	9(6.0	9(6.0	NUM
ajoaa-2044	171	22	)	)	PUNCT
ajoaa-2044	171	23	58(38.4	58(38.4	NOUN
ajoaa-2044	171	24	)	)	PUNCT
ajoaa-2044	171	25	77(51.0	77(51.0	NUM
ajoaa-2044	171	26	)	)	PUNCT
ajoaa-2044	171	27	3.36	3.36	NUM
ajoaa-2044	171	28	iii	iii	NOUN
ajoaa-2044	171	29	i	i	PRON
ajoaa-2044	171	30	believe	believe	VERB
ajoaa-2044	171	31	in	in	ADP
ajoaa-2044	171	32	putting	put	VERB
ajoaa-2044	171	33	some	some	DET
ajoaa-2044	171	34	money	money	NOUN
ajoaa-2044	171	35	aside	aside	ADV
ajoaa-2044	171	36	for	for	ADP
ajoaa-2044	171	37	a	a	DET
ajoaa-2044	171	38	rainy	rainy	ADJ
ajoaa-2044	171	39	day	day	NOUN
ajoaa-2044	171	40	3(2.0	3(2.0	NUM
ajoaa-2044	171	41	)	)	PUNCT
ajoaa-2044	171	42	5(3.3	5(3.3	NUM
ajoaa-2044	171	43	)	)	PUNCT
ajoaa-2044	171	44	101(66.9	101(66.9	NUM
ajoaa-2044	171	45	)	)	PUNCT
ajoaa-2044	171	46	42(27.8	42(27.8	NOUN
ajoaa-2044	171	47	)	)	PUNCT
ajoaa-2044	171	48	3.21	3.21	NUM
ajoaa-2044	171	49	iv	iv	NUM
ajoaa-2044	172	1	i	i	PRON
ajoaa-2044	172	2	am	be	AUX
ajoaa-2044	172	3	interested	interested	ADJ
ajoaa-2044	172	4	in	in	ADP
ajoaa-2044	172	5	looking	look	VERB
ajoaa-2044	172	6	at	at	ADP
ajoaa-2044	172	7	different	different	ADJ
ajoaa-2044	172	8	ways	way	NOUN
ajoaa-2044	172	9	of	of	ADP
ajoaa-2044	172	10	saving	save	VERB
ajoaa-2044	172	11	money	money	NOUN
ajoaa-2044	172	12	3(2.0	3(2.0	NUM
ajoaa-2044	172	13	)	)	PUNCT
ajoaa-2044	172	14	10(6.6	10(6.6	NUM
ajoaa-2044	172	15	)	)	PUNCT
ajoaa-2044	172	16	105(69.5	105(69.5	NUM
ajoaa-2044	172	17	)	)	PUNCT
ajoaa-2044	172	18	33(21.9	33(21.9	NUM
ajoaa-2044	172	19	)	)	PUNCT
ajoaa-2044	172	20	3.11	3.11	NUM
ajoaa-2044	172	21	v	v	NOUN
ajoaa-2044	172	22	i	i	PRON
ajoaa-2044	172	23	have	have	AUX
ajoaa-2044	172	24	always	always	ADV
ajoaa-2044	172	25	tried	try	VERB
ajoaa-2044	172	26	to	to	PART
ajoaa-2044	172	27	save	save	VERB
ajoaa-2044	172	28	3.08	3.08	NUM
ajoaa-2044	172	29	vi	vi	NOUN
ajoaa-2044	172	30	i	i	PRON
ajoaa-2044	172	31	believe	believe	VERB
ajoaa-2044	172	32	in	in	ADP
ajoaa-2044	172	33	making	make	VERB
ajoaa-2044	172	34	my	my	PRON
ajoaa-2044	172	35	own	own	ADJ
ajoaa-2044	172	36	money	money	NOUN
ajoaa-2044	172	37	3(2.0	3(2.0	NUM
ajoaa-2044	172	38	)	)	PUNCT
ajoaa-2044	172	39	22(14.6	22(14.6	NUM
ajoaa-2044	172	40	)	)	PUNCT
ajoaa-2044	172	41	95(62.9	95(62.9	NOUN
ajoaa-2044	172	42	)	)	PUNCT
ajoaa-2044	172	43	31(20.5	31(20.5	NOUN
ajoaa-2044	172	44	)	)	PUNCT
ajoaa-2044	172	45	3.02	3.02	NUM
ajoaa-2044	172	46	vii	vii	NOUN
ajoaa-2044	172	47	.	.	PUNCT
ajoaa-2044	173	1	i	i	PRON
ajoaa-2044	173	2	do	do	VERB
ajoaa-2044	173	3	n’t	not	PART
ajoaa-2044	173	4	like	like	ADP
ajoaa-2044	173	5	being	be	AUX
ajoaa-2044	173	6	a	a	DET
ajoaa-2044	173	7	debtor	debtor	NOUN
ajoaa-2044	173	8	13(8.6	13(8.6	NUM
ajoaa-2044	173	9	)	)	PUNCT
ajoaa-2044	173	10	18(11.9	18(11.9	NUM
ajoaa-2044	173	11	)	)	PUNCT
ajoaa-2044	173	12	93(61.6	93(61.6	NOUN
ajoaa-2044	173	13	)	)	PUNCT
ajoaa-2044	173	14	27(17.9	27(17.9	NOUN
ajoaa-2044	173	15	)	)	PUNCT
ajoaa-2044	173	16	2.89	2.89	NUM
ajoaa-2044	173	17	viii	viii	NOUN
ajoaa-2044	173	18	.	.	PUNCT
ajoaa-2044	174	1	i	i	PRON
ajoaa-2044	174	2	only	only	ADV
ajoaa-2044	174	3	save	save	VERB
ajoaa-2044	174	4	for	for	ADP
ajoaa-2044	174	5	something	something	PRON
ajoaa-2044	174	6	special	special	ADJ
ajoaa-2044	174	7	6(4.0	6(4.0	NUM
ajoaa-2044	174	8	)	)	PUNCT
ajoaa-2044	174	9	54(35.8	54(35.8	NUM
ajoaa-2044	174	10	)	)	PUNCT
ajoaa-2044	174	11	71(47.0	71(47.0	NUM
ajoaa-2044	174	12	)	)	PUNCT
ajoaa-2044	174	13	20(13.2	20(13.2	NUM
ajoaa-2044	174	14	)	)	PUNCT
ajoaa-2044	174	15	2.70	2.70	NUM
ajoaa-2044	174	16	ix	ix	VERB
ajoaa-2044	174	17	never	never	ADV
ajoaa-2044	174	18	seem	seem	VERB
ajoaa-2044	174	19	to	to	PART
ajoaa-2044	174	20	have	have	VERB
ajoaa-2044	174	21	enough	enough	ADJ
ajoaa-2044	174	22	money	money	NOUN
ajoaa-2044	174	23	16(10.6	16(10.6	NOUN
ajoaa-2044	174	24	)	)	PUNCT
ajoaa-2044	174	25	45(29.0	45(29.0	ADJ
ajoaa-2044	174	26	)	)	PUNCT
ajoaa-2044	174	27	77(51.0	77(51.0	NUM
ajoaa-2044	174	28	)	)	PUNCT
ajoaa-2044	174	29	13(8.6	13(8.6	NUM
ajoaa-2044	174	30	)	)	PUNCT
ajoaa-2044	174	31	2.58	2.58	NUM
ajoaa-2044	174	32	x.	x.	NOUN
ajoaa-2044	174	33	bank	bank	PROPN
ajoaa-2044	174	34	account	account	NOUN
ajoaa-2044	174	35	is	be	AUX
ajoaa-2044	174	36	an	an	DET
ajoaa-2044	174	37	everyday	everyday	ADJ
ajoaa-2044	174	38	necessity	necessity	NOUN
ajoaa-2044	174	39	18(11.9	18(11.9	NUM
ajoaa-2044	174	40	)	)	PUNCT
ajoaa-2044	174	41	55(36.4	55(36.4	ADV
ajoaa-2044	174	42	)	)	PUNCT
ajoaa-2044	174	43	54(35.3	54(35.3	NUM
ajoaa-2044	174	44	)	)	PUNCT
ajoaa-2044	174	45	24(15.9	24(15.9	NOUN
ajoaa-2044	174	46	)	)	PUNCT
ajoaa-2044	174	47	2.56	2.56	NUM
ajoaa-2044	174	48	xi	xi	NOUN
ajoaa-2044	174	49	.	.	PUNCT
ajoaa-2044	175	1	modern	modern	ADJ
ajoaa-2044	175	2	people	people	NOUN
ajoaa-2044	175	3	use	use	VERB
ajoaa-2044	175	4	cheque	cheque	NOUN
ajoaa-2044	175	5	and	and	CCONJ
ajoaa-2044	175	6	card	card	NOUN
ajoaa-2044	175	7	not	not	PART
ajoaa-2044	175	8	cash	cash	VERB
ajoaa-2044	175	9	17(11.3	17(11.3	ADJ
ajoaa-2044	175	10	)	)	PUNCT
ajoaa-2044	175	11	70(46.4	70(46.4	NUM
ajoaa-2044	175	12	)	)	PUNCT
ajoaa-2044	175	13	45(29.8	45(29.8	NOUN
ajoaa-2044	175	14	)	)	PUNCT
ajoaa-2044	175	15	19(12.6	19(12.6	NOUN
ajoaa-2044	175	16	)	)	PUNCT
ajoaa-2044	175	17	2.44	2.44	NUM
ajoaa-2044	175	18	xii	xii	NOUN
ajoaa-2044	175	19	i	i	PRON
ajoaa-2044	175	20	love	love	VERB
ajoaa-2044	175	21	going	go	VERB
ajoaa-2044	175	22	for	for	ADP
ajoaa-2044	175	23	shopping	shop	VERB
ajoaa-2044	175	24	26(17.2	26(17.2	NUM
ajoaa-2044	175	25	)	)	PUNCT
ajoaa-2044	175	26	75(49.7	75(49.7	NOUN
ajoaa-2044	175	27	)	)	PUNCT
ajoaa-2044	175	28	28(18.5	28(18.5	NUM
ajoaa-2044	175	29	)	)	PUNCT
ajoaa-2044	175	30	22(14.6	22(14.6	NUM
ajoaa-2044	175	31	)	)	PUNCT
ajoaa-2044	175	32	2.30	2.30	NUM
ajoaa-2044	175	33	xiii	xiii	X
ajoaa-2044	176	1	having	have	VERB
ajoaa-2044	176	2	a	a	DET
ajoaa-2044	176	3	lot	lot	NOUN
ajoaa-2044	176	4	of	of	ADP
ajoaa-2044	176	5	money	money	NOUN
ajoaa-2044	176	6	has	have	AUX
ajoaa-2044	176	7	never	never	ADV
ajoaa-2044	176	8	been	be	AUX
ajoaa-2044	176	9	my	my	PRON
ajoaa-2044	176	10	target	target	NOUN
ajoaa-2044	176	11	in	in	ADP
ajoaa-2044	176	12	life	life	NOUN
ajoaa-2044	176	13	37(24.5	37(24.5	NOUN
ajoaa-2044	176	14	)	)	PUNCT
ajoaa-2044	176	15	74(49.0	74(49.0	NUM
ajoaa-2044	176	16	)	)	PUNCT
ajoaa-2044	176	17	26(17.2	26(17.2	NUM
ajoaa-2044	176	18	)	)	PUNCT
ajoaa-2044	176	19	14(9.3	14(9.3	NUM
ajoaa-2044	176	20	)	)	PUNCT
ajoaa-2044	176	21	2.11	2.11	NUM
ajoaa-2044	176	22	asian	asian	ADJ
ajoaa-2044	176	23	journal	journal	NOUN
ajoaa-2044	176	24	of	of	ADP
ajoaa-2044	176	25	agriculture	agriculture	NOUN
ajoaa-2044	176	26	and	and	CCONJ
ajoaa-2044	176	27	rural	rural	ADJ
ajoaa-2044	176	28	development	development	NOUN
ajoaa-2044	176	29	,	,	PUNCT
ajoaa-2044	176	30	10(1)2020	10(1)2020	NUM
ajoaa-2044	176	31	:	:	PUNCT
ajoaa-2044	176	32	406	406	NUM
ajoaa-2044	176	33	-	-	SYM
ajoaa-2044	176	34	419	419	NUM
ajoaa-2044	176	35	413	413	NUM
ajoaa-2044	176	36	xiv	xiv	NOUN
ajoaa-2044	177	1	i	i	PRON
ajoaa-2044	177	2	do	do	AUX
ajoaa-2044	177	3	n’t	not	PART
ajoaa-2044	177	4	mind	mind	VERB
ajoaa-2044	177	5	if	if	SCONJ
ajoaa-2044	177	6	i	i	PRON
ajoaa-2044	177	7	do	do	AUX
ajoaa-2044	177	8	not	not	PART
ajoaa-2044	177	9	have	have	VERB
ajoaa-2044	177	10	much	much	ADJ
ajoaa-2044	177	11	money	money	NOUN
ajoaa-2044	177	12	35(23.2	35(23.2	NOUN
ajoaa-2044	177	13	)	)	PUNCT
ajoaa-2044	177	14	74(49.0	74(49.0	NUM
ajoaa-2044	177	15	)	)	PUNCT
ajoaa-2044	177	16	32(21.2	32(21.2	NUM
ajoaa-2044	177	17	)	)	PUNCT
ajoaa-2044	177	18	10(6.6	10(6.6	NUM
ajoaa-2044	177	19	)	)	PUNCT
ajoaa-2044	177	20	2.11	2.11	NUM
ajoaa-2044	177	21	xv	xv	NOUN
ajoaa-2044	178	1	i	i	PRON
ajoaa-2044	178	2	never	never	ADV
ajoaa-2044	178	3	pay	pay	VERB
ajoaa-2044	178	4	for	for	ADP
ajoaa-2044	178	5	something	something	PRON
ajoaa-2044	178	6	if	if	SCONJ
ajoaa-2044	178	7	i	i	PRON
ajoaa-2044	178	8	can	can	AUX
ajoaa-2044	178	9	get	get	VERB
ajoaa-2044	178	10	credit	credit	NOUN
ajoaa-2044	178	11	16(10.6	16(10.6	NOUN
ajoaa-2044	178	12	)	)	PUNCT
ajoaa-2044	178	13	92(60.9	92(60.9	NUM
ajoaa-2044	178	14	)	)	PUNCT
ajoaa-2044	178	15	29(19.2	29(19.2	NUM
ajoaa-2044	178	16	)	)	PUNCT
ajoaa-2044	178	17	14(9.3	14(9.3	NUM
ajoaa-2044	178	18	)	)	PUNCT
ajoaa-2044	178	19	2.27	2.27	NUM
ajoaa-2044	178	20	xvi	xvi	NOUN
ajoaa-2044	178	21	.	.	PUNCT
ajoaa-2044	179	1	i	i	PRON
ajoaa-2044	179	2	tend	tend	VERB
ajoaa-2044	179	3	to	to	PART
ajoaa-2044	179	4	spend	spend	VERB
ajoaa-2044	179	5	money	money	NOUN
ajoaa-2044	179	6	as	as	ADV
ajoaa-2044	179	7	soon	soon	ADV
ajoaa-2044	179	8	as	as	SCONJ
ajoaa-2044	179	9	i	i	PRON
ajoaa-2044	179	10	get	get	VERB
ajoaa-2044	179	11	it	it	PRON
ajoaa-2044	179	12	48(31.8	48(31.8	NUM
ajoaa-2044	179	13	)	)	PUNCT
ajoaa-2044	179	14	64(42.4	64(42.4	NOUN
ajoaa-2044	179	15	)	)	PUNCT
ajoaa-2044	179	16	22(14.6	22(14.6	NUM
ajoaa-2044	179	17	)	)	PUNCT
ajoaa-2044	179	18	17(11.3	17(11.3	NUM
ajoaa-2044	179	19	)	)	PUNCT
ajoaa-2044	179	20	2.05	2.05	NUM
ajoaa-2044	179	21	xvii	xvii	NOUN
ajoaa-2044	180	1	i	i	PRON
ajoaa-2044	180	2	do	do	AUX
ajoaa-2044	180	3	n’t	not	PART
ajoaa-2044	180	4	believe	believe	VERB
ajoaa-2044	180	5	i	i	PRON
ajoaa-2044	180	6	will	will	AUX
ajoaa-2044	180	7	be	be	AUX
ajoaa-2044	180	8	ever	ever	ADV
ajoaa-2044	180	9	wealthy	wealthy	ADJ
ajoaa-2044	180	10	32(31.2	32(31.2	ADJ
ajoaa-2044	180	11	)	)	PUNCT
ajoaa-2044	180	12	90(59.6	90(59.6	NOUN
ajoaa-2044	180	13	)	)	PUNCT
ajoaa-2044	180	14	22(14.6	22(14.6	NUM
ajoaa-2044	180	15	)	)	PUNCT
ajoaa-2044	180	16	7(4.6	7(4.6	NOUN
ajoaa-2044	180	17	)	)	PUNCT
ajoaa-2044	180	18	2.03	2.03	NUM
ajoaa-2044	180	19	xviii	xviii	X
ajoaa-2044	180	20	.	.	PUNCT
ajoaa-2044	181	1	money	money	NOUN
ajoaa-2044	181	2	is	be	AUX
ajoaa-2044	181	3	for	for	ADP
ajoaa-2044	181	4	spending	spend	VERB
ajoaa-2044	181	5	not	not	PART
ajoaa-2044	181	6	for	for	ADP
ajoaa-2044	181	7	holding	hold	VERB
ajoaa-2044	181	8	onto	onto	ADP
ajoaa-2044	181	9	86(57.0	86(57.0	ADJ
ajoaa-2044	181	10	)	)	PUNCT
ajoaa-2044	181	11	19(12.6	19(12.6	NOUN
ajoaa-2044	181	12	)	)	PUNCT
ajoaa-2044	181	13	3422.5	3422.5	NUM
ajoaa-2044	181	14	)	)	PUNCT
ajoaa-2044	181	15	12(7.9	12(7.9	NUM
ajoaa-2044	181	16	)	)	PUNCT
ajoaa-2044	181	17	1.81	1.81	NUM
ajoaa-2044	181	18	xix	xix	NOUN
ajoaa-2044	181	19	.	.	PUNCT
ajoaa-2044	182	1	every	every	PRON
ajoaa-2044	182	2	once	once	ADV
ajoaa-2044	182	3	in	in	ADP
ajoaa-2044	182	4	a	a	DET
ajoaa-2044	182	5	while	while	NOUN
ajoaa-2044	182	6	like	like	INTJ
ajoaa-2044	182	7	to	to	PART
ajoaa-2044	182	8	go	go	VERB
ajoaa-2044	182	9	on	on	ADP
ajoaa-2044	182	10	a	a	DET
ajoaa-2044	182	11	big	big	ADJ
ajoaa-2044	182	12	spending	spending	NOUN
ajoaa-2044	182	13	spree	spree	NOUN
ajoaa-2044	182	14	81(53.6	81(53.6	NUM
ajoaa-2044	182	15	)	)	PUNCT
ajoaa-2044	182	16	34(22.5	34(22.5	ADJ
ajoaa-2044	182	17	)	)	PUNCT
ajoaa-2044	182	18	22(14.6	22(14.6	NUM
ajoaa-2044	182	19	)	)	PUNCT
ajoaa-2044	182	20	14(9.3	14(9.3	NUM
ajoaa-2044	182	21	)	)	PUNCT
ajoaa-2044	182	22	1.79	1.79	NUM
ajoaa-2044	182	23	source	source	NOUN
ajoaa-2044	182	24	:	:	PUNCT
ajoaa-2044	182	25	field	field	NOUN
ajoaa-2044	182	26	survey	survey	NOUN
ajoaa-2044	182	27	,	,	PUNCT
ajoaa-2044	182	28	2018	2018	NUM
ajoaa-2044	182	29	note	note	NOUN
ajoaa-2044	182	30	:	:	PUNCT
ajoaa-2044	182	31	sd	sd	NOUN
ajoaa-2044	182	32	is	be	AUX
ajoaa-2044	182	33	strongly	strongly	ADV
ajoaa-2044	182	34	disagreed	disagree	VERB
ajoaa-2044	182	35	;	;	PUNCT
ajoaa-2044	182	36	d	d	NOUN
ajoaa-2044	182	37	is	be	AUX
ajoaa-2044	182	38	disagreed	disagree	VERB
ajoaa-2044	182	39	;	;	PUNCT
ajoaa-2044	182	40	a	a	PRON
ajoaa-2044	182	41	is	be	AUX
ajoaa-2044	182	42	agree	agree	ADJ
ajoaa-2044	182	43	,	,	PUNCT
ajoaa-2044	182	44	and	and	CCONJ
ajoaa-2044	182	45	sa	sa	PROPN
ajoaa-2044	182	46	strongly	strongly	ADV
ajoaa-2044	182	47	agrees	agree	VERB
ajoaa-2044	182	48	.	.	PUNCT
ajoaa-2044	183	1	figures	figure	NOUN
ajoaa-2044	183	2	in	in	ADP
ajoaa-2044	183	3	parentheses	parenthesis	NOUN
ajoaa-2044	183	4	are	be	AUX
ajoaa-2044	183	5	percentages	percentage	NOUN
ajoaa-2044	183	6	of	of	ADP
ajoaa-2044	183	7	total	total	ADJ
ajoaa-2044	183	8	respondents	respondent	NOUN
ajoaa-2044	183	9	3.4	3.4	NUM
ajoaa-2044	183	10	.	.	PUNCT
ajoaa-2044	184	1	behaviour	behaviour	NOUN
ajoaa-2044	184	2	towards	towards	ADP
ajoaa-2044	184	3	saving	save	VERB
ajoaa-2044	184	4	ali	ali	PROPN
ajoaa-2044	184	5	et	et	PROPN
ajoaa-2044	184	6	al	al	PROPN
ajoaa-2044	184	7	.	.	PROPN
ajoaa-2044	184	8	(	(	PUNCT
ajoaa-2044	184	9	2015	2015	NUM
ajoaa-2044	184	10	)	)	PUNCT
ajoaa-2044	184	11	and	and	CCONJ
ajoaa-2044	184	12	yonga	yonga	ADV
ajoaa-2044	184	13	et	et	PROPN
ajoaa-2044	184	14	al	al	PROPN
ajoaa-2044	184	15	.	.	PUNCT
ajoaa-2044	185	1	(	(	PUNCT
ajoaa-2044	185	2	2018	2018	NUM
ajoaa-2044	185	3	)	)	PUNCT
ajoaa-2044	185	4	submitted	submit	VERB
ajoaa-2044	185	5	that	that	DET
ajoaa-2044	185	6	high	high	ADJ
ajoaa-2044	185	7	financial	financial	ADJ
ajoaa-2044	185	8	knowledge	knowledge	NOUN
ajoaa-2044	185	9	positively	positively	ADV
ajoaa-2044	185	10	influences	influence	VERB
ajoaa-2044	185	11	saving	save	VERB
ajoaa-2044	185	12	and	and	CCONJ
ajoaa-2044	185	13	thus	thus	ADV
ajoaa-2044	185	14	saving	save	VERB
ajoaa-2044	185	15	behaviour	behaviour	NOUN
ajoaa-2044	185	16	.	.	PUNCT
ajoaa-2044	186	1	the	the	DET
ajoaa-2044	186	2	healthy	healthy	ADJ
ajoaa-2044	186	3	saving	saving	NOUN
ajoaa-2044	186	4	attitude	attitude	NOUN
ajoaa-2044	186	5	of	of	ADP
ajoaa-2044	186	6	the	the	DET
ajoaa-2044	186	7	respondents	respondent	NOUN
ajoaa-2044	186	8	has	have	AUX
ajoaa-2044	186	9	earlier	early	ADV
ajoaa-2044	186	10	been	be	AUX
ajoaa-2044	186	11	observed	observe	VERB
ajoaa-2044	186	12	.	.	PUNCT
ajoaa-2044	187	1	why	why	SCONJ
ajoaa-2044	187	2	they	they	PRON
ajoaa-2044	187	3	save	save	VERB
ajoaa-2044	187	4	and	and	CCONJ
ajoaa-2044	187	5	where	where	SCONJ
ajoaa-2044	187	6	they	they	PRON
ajoaa-2044	187	7	save	save	VERB
ajoaa-2044	187	8	are	be	AUX
ajoaa-2044	187	9	important	important	ADJ
ajoaa-2044	187	10	in	in	ADP
ajoaa-2044	187	11	this	this	DET
ajoaa-2044	187	12	section	section	NOUN
ajoaa-2044	187	13	.	.	PUNCT
ajoaa-2044	188	1	table	table	NOUN
ajoaa-2044	188	2	3	3	NUM
ajoaa-2044	188	3	shows	show	VERB
ajoaa-2044	188	4	the	the	DET
ajoaa-2044	188	5	items	item	NOUN
ajoaa-2044	188	6	of	of	ADP
ajoaa-2044	188	7	farmers	farmer	NOUN
ajoaa-2044	188	8	’	’	PART
ajoaa-2044	188	9	behavior	behavior	NOUN
ajoaa-2044	188	10	for	for	ADP
ajoaa-2044	188	11	saving	save	VERB
ajoaa-2044	188	12	.	.	PUNCT
ajoaa-2044	189	1	most	most	ADJ
ajoaa-2044	189	2	farmers	farmer	NOUN
ajoaa-2044	189	3	(	(	PUNCT
ajoaa-2044	189	4	80	80	NUM
ajoaa-2044	189	5	%	%	NOUN
ajoaa-2044	189	6	)	)	PUNCT
ajoaa-2044	189	7	save	save	NOUN
ajoaa-2044	189	8	.	.	PUNCT
ajoaa-2044	190	1	anderson	anderson	PROPN
ajoaa-2044	190	2	et	et	PROPN
ajoaa-2044	190	3	al	al	PROPN
ajoaa-2044	190	4	.	.	PROPN
ajoaa-2044	191	1	(	(	PUNCT
ajoaa-2044	191	2	2017	2017	NUM
ajoaa-2044	191	3	)	)	PUNCT
ajoaa-2044	191	4	have	have	VERB
ajoaa-2044	191	5	it	it	PRON
ajoaa-2044	191	6	that	that	DET
ajoaa-2044	191	7	saving	saving	NOUN
ajoaa-2044	191	8	is	be	AUX
ajoaa-2044	191	9	common	common	ADJ
ajoaa-2044	191	10	but	but	CCONJ
ajoaa-2044	191	11	not	not	PART
ajoaa-2044	191	12	through	through	ADP
ajoaa-2044	191	13	formal	formal	ADJ
ajoaa-2044	191	14	methods	method	NOUN
ajoaa-2044	191	15	.	.	PUNCT
ajoaa-2044	192	1	the	the	DET
ajoaa-2044	192	2	major	major	ADJ
ajoaa-2044	192	3	reasons	reason	NOUN
ajoaa-2044	192	4	for	for	ADP
ajoaa-2044	192	5	saving	save	VERB
ajoaa-2044	192	6	are	be	AUX
ajoaa-2044	192	7	spread	spread	VERB
ajoaa-2044	192	8	across	across	ADP
ajoaa-2044	192	9	a	a	DET
ajoaa-2044	192	10	wide	wide	ADJ
ajoaa-2044	192	11	spectrum	spectrum	NOUN
ajoaa-2044	192	12	.	.	PUNCT
ajoaa-2044	193	1	only	only	ADV
ajoaa-2044	193	2	the	the	DET
ajoaa-2044	193	3	primary	primary	ADJ
ajoaa-2044	193	4	reasons	reason	NOUN
ajoaa-2044	193	5	for	for	ADP
ajoaa-2044	193	6	saving	save	VERB
ajoaa-2044	193	7	are	be	AUX
ajoaa-2044	193	8	shown	show	VERB
ajoaa-2044	193	9	in	in	ADP
ajoaa-2044	193	10	table	table	NOUN
ajoaa-2044	193	11	3	3	NUM
ajoaa-2044	193	12	.	.	PUNCT
ajoaa-2044	194	1	the	the	DET
ajoaa-2044	194	2	emergency	emergency	NOUN
ajoaa-2044	194	3	(	(	PUNCT
ajoaa-2044	194	4	precautionary	precautionary	ADJ
ajoaa-2044	194	5	)	)	PUNCT
ajoaa-2044	194	6	reason	reason	NOUN
ajoaa-2044	194	7	is	be	AUX
ajoaa-2044	194	8	at	at	ADP
ajoaa-2044	194	9	the	the	DET
ajoaa-2044	194	10	top	top	NOUN
ajoaa-2044	194	11	(	(	PUNCT
ajoaa-2044	194	12	29.16	29.16	NUM
ajoaa-2044	194	13	%	%	NOUN
ajoaa-2044	194	14	)	)	PUNCT
ajoaa-2044	194	15	followed	follow	VERB
ajoaa-2044	194	16	by	by	ADP
ajoaa-2044	194	17	children	child	NOUN
ajoaa-2044	194	18	’s	’s	PART
ajoaa-2044	194	19	education	education	NOUN
ajoaa-2044	194	20	(	(	PUNCT
ajoaa-2044	194	21	25	25	NUM
ajoaa-2044	194	22	%	%	NOUN
ajoaa-2044	194	23	)	)	PUNCT
ajoaa-2044	194	24	.	.	PUNCT
ajoaa-2044	195	1	special	special	ADJ
ajoaa-2044	195	2	purchases	purchase	NOUN
ajoaa-2044	195	3	and	and	CCONJ
ajoaa-2044	195	4	“	"	PUNCT
ajoaa-2044	195	5	simply	simply	ADV
ajoaa-2044	195	6	to	to	PART
ajoaa-2044	195	7	have	have	VERB
ajoaa-2044	195	8	money	money	NOUN
ajoaa-2044	195	9	put	put	VERB
ajoaa-2044	195	10	aside	aside	ADV
ajoaa-2044	195	11	”	"	PUNCT
ajoaa-2044	195	12	,	,	PUNCT
ajoaa-2044	195	13	both	both	PRON
ajoaa-2044	195	14	of	of	ADP
ajoaa-2044	195	15	which	which	PRON
ajoaa-2044	195	16	could	could	AUX
ajoaa-2044	195	17	be	be	AUX
ajoaa-2044	195	18	said	say	VERB
ajoaa-2044	195	19	to	to	PART
ajoaa-2044	195	20	be	be	AUX
ajoaa-2044	195	21	speculative	speculative	ADJ
ajoaa-2044	195	22	reasons	reason	NOUN
ajoaa-2044	195	23	,	,	PUNCT
ajoaa-2044	195	24	are	be	AUX
ajoaa-2044	195	25	next	next	ADJ
ajoaa-2044	195	26	with	with	ADP
ajoaa-2044	195	27	20	20	NUM
ajoaa-2044	195	28	%	%	NOUN
ajoaa-2044	195	29	each	each	DET
ajoaa-2044	195	30	way	way	NOUN
ajoaa-2044	195	31	.	.	PUNCT
ajoaa-2044	196	1	these	these	PRON
ajoaa-2044	196	2	are	be	AUX
ajoaa-2044	196	3	the	the	DET
ajoaa-2044	196	4	theoretical	theoretical	ADJ
ajoaa-2044	196	5	reasons	reason	NOUN
ajoaa-2044	196	6	for	for	ADP
ajoaa-2044	196	7	holding	hold	VERB
ajoaa-2044	196	8	money	money	NOUN
ajoaa-2044	196	9	taught	teach	VERB
ajoaa-2044	196	10	in	in	ADP
ajoaa-2044	196	11	macroeconomic	macroeconomic	ADJ
ajoaa-2044	196	12	texts	text	NOUN
ajoaa-2044	196	13	.	.	PUNCT
ajoaa-2044	197	1	the	the	DET
ajoaa-2044	197	2	“	"	PUNCT
ajoaa-2044	197	3	simply	simply	ADV
ajoaa-2044	197	4	to	to	PART
ajoaa-2044	197	5	have	have	AUX
ajoaa-2044	197	6	money	money	NOUN
ajoaa-2044	197	7	put	put	VERB
ajoaa-2044	197	8	aside	aside	ADV
ajoaa-2044	197	9	”	"	PUNCT
ajoaa-2044	197	10	motive	motive	NOUN
ajoaa-2044	197	11	could	could	AUX
ajoaa-2044	197	12	have	have	VERB
ajoaa-2044	197	13	an	an	DET
ajoaa-2044	197	14	underlying	underlying	ADJ
ajoaa-2044	197	15	influence	influence	NOUN
ajoaa-2044	197	16	of	of	ADP
ajoaa-2044	197	17	parental	parental	ADJ
ajoaa-2044	197	18	background	background	NOUN
ajoaa-2044	197	19	.	.	PUNCT
ajoaa-2044	198	1	salikin	salikin	ADV
ajoaa-2044	198	2	et	et	PROPN
ajoaa-2044	198	3	al	al	PROPN
ajoaa-2044	198	4	.	.	PROPN
ajoaa-2044	199	1	(	(	PUNCT
ajoaa-2044	199	2	2012	2012	NUM
ajoaa-2044	199	3	)	)	PUNCT
ajoaa-2044	199	4	submitted	submit	VERB
ajoaa-2044	199	5	that	that	DET
ajoaa-2044	199	6	education	education	NOUN
ajoaa-2044	199	7	and	and	CCONJ
ajoaa-2044	199	8	level	level	NOUN
ajoaa-2044	199	9	of	of	ADP
ajoaa-2044	199	10	household	household	NOUN
ajoaa-2044	199	11	income	income	NOUN
ajoaa-2044	199	12	have	have	VERB
ajoaa-2044	199	13	a	a	DET
ajoaa-2044	199	14	negative	negative	ADJ
ajoaa-2044	199	15	correlation	correlation	NOUN
ajoaa-2044	199	16	with	with	ADP
ajoaa-2044	199	17	the	the	DET
ajoaa-2044	199	18	likelihood	likelihood	NOUN
ajoaa-2044	199	19	to	to	PART
ajoaa-2044	199	20	save	save	VERB
ajoaa-2044	199	21	.	.	PUNCT
ajoaa-2044	200	1	in	in	ADP
ajoaa-2044	200	2	other	other	ADJ
ajoaa-2044	200	3	words	word	NOUN
ajoaa-2044	200	4	,	,	PUNCT
ajoaa-2044	200	5	the	the	PRON
ajoaa-2044	200	6	poorer	poor	ADJ
ajoaa-2044	200	7	the	the	DET
ajoaa-2044	200	8	parents	parent	NOUN
ajoaa-2044	200	9	,	,	PUNCT
ajoaa-2044	200	10	the	the	PRON
ajoaa-2044	200	11	higher	high	ADJ
ajoaa-2044	200	12	the	the	DET
ajoaa-2044	200	13	likelihood	likelihood	NOUN
ajoaa-2044	200	14	of	of	ADP
ajoaa-2044	200	15	the	the	DET
ajoaa-2044	200	16	offspring	offspring	NOUN
ajoaa-2044	200	17	saving	saving	NOUN
ajoaa-2044	200	18	.	.	PUNCT
ajoaa-2044	201	1	hence	hence	ADV
ajoaa-2044	201	2	when	when	SCONJ
ajoaa-2044	201	3	there	there	PRON
ajoaa-2044	201	4	is	be	VERB
ajoaa-2044	201	5	no	no	DET
ajoaa-2044	201	6	felt	felt	NOUN
ajoaa-2044	201	7	need	need	NOUN
ajoaa-2044	201	8	to	to	PART
ajoaa-2044	201	9	save	save	VERB
ajoaa-2044	201	10	,	,	PUNCT
ajoaa-2044	201	11	the	the	DET
ajoaa-2044	201	12	inculcated	inculcate	VERB
ajoaa-2044	201	13	practice	practice	NOUN
ajoaa-2044	201	14	of	of	ADP
ajoaa-2044	201	15	saving	saving	NOUN
ajoaa-2044	201	16	may	may	AUX
ajoaa-2044	201	17	underlie	underlie	VERB
ajoaa-2044	201	18	the	the	DET
ajoaa-2044	201	19	saving	save	VERB
ajoaa-2044	201	20	behaviour	behaviour	NOUN
ajoaa-2044	201	21	of	of	ADP
ajoaa-2044	201	22	the	the	DET
ajoaa-2044	201	23	individual	individual	ADJ
ajoaa-2044	201	24	farmer	farmer	NOUN
ajoaa-2044	201	25	from	from	ADP
ajoaa-2044	201	26	low	low	ADJ
ajoaa-2044	201	27	socioeconomic	socioeconomic	ADJ
ajoaa-2044	201	28	stratum	stratum	NOUN
ajoaa-2044	201	29	.	.	PUNCT
ajoaa-2044	202	1	as	as	ADP
ajoaa-2044	202	2	to	to	ADP
ajoaa-2044	202	3	what	what	DET
ajoaa-2044	202	4	proportion	proportion	NOUN
ajoaa-2044	202	5	of	of	ADP
ajoaa-2044	202	6	income	income	NOUN
ajoaa-2044	202	7	respondents	respondent	NOUN
ajoaa-2044	202	8	save	save	VERB
ajoaa-2044	202	9	,	,	PUNCT
ajoaa-2044	202	10	the	the	DET
ajoaa-2044	202	11	answer	answer	NOUN
ajoaa-2044	202	12	varied	vary	VERB
ajoaa-2044	202	13	widely	widely	ADV
ajoaa-2044	202	14	.	.	PUNCT
ajoaa-2044	203	1	about	about	ADP
ajoaa-2044	203	2	64.20	64.20	NUM
ajoaa-2044	203	3	%	%	NOUN
ajoaa-2044	203	4	of	of	ADP
ajoaa-2044	203	5	farmers	farmer	NOUN
ajoaa-2044	203	6	save	save	VERB
ajoaa-2044	203	7	50	50	NUM
ajoaa-2044	203	8	%	%	NOUN
ajoaa-2044	203	9	or	or	CCONJ
ajoaa-2044	203	10	more	more	ADJ
ajoaa-2044	203	11	of	of	ADP
ajoaa-2044	203	12	their	their	PRON
ajoaa-2044	203	13	income	income	NOUN
ajoaa-2044	203	14	.	.	PUNCT
ajoaa-2044	204	1	this	this	PRON
ajoaa-2044	204	2	is	be	AUX
ajoaa-2044	204	3	impressive	impressive	ADJ
ajoaa-2044	204	4	.	.	PUNCT
ajoaa-2044	205	1	but	but	CCONJ
ajoaa-2044	205	2	where	where	SCONJ
ajoaa-2044	205	3	they	they	PRON
ajoaa-2044	205	4	save	save	VERB
ajoaa-2044	205	5	and	and	CCONJ
ajoaa-2044	205	6	what	what	PRON
ajoaa-2044	205	7	the	the	DET
ajoaa-2044	205	8	denominator	denominator	NOUN
ajoaa-2044	205	9	of	of	ADP
ajoaa-2044	205	10	this	this	DET
ajoaa-2044	205	11	percentage	percentage	NOUN
ajoaa-2044	205	12	is	be	AUX
ajoaa-2044	205	13	are	be	AUX
ajoaa-2044	205	14	equally	equally	ADV
ajoaa-2044	205	15	important	important	ADJ
ajoaa-2044	205	16	.	.	PUNCT
ajoaa-2044	206	1	the	the	DET
ajoaa-2044	206	2	fact	fact	NOUN
ajoaa-2044	206	3	that	that	SCONJ
ajoaa-2044	206	4	credit	credit	NOUN
ajoaa-2044	206	5	still	still	ADV
ajoaa-2044	206	6	effectively	effectively	ADV
ajoaa-2044	206	7	constraints	constraint	VERB
ajoaa-2044	206	8	farming	farming	NOUN
ajoaa-2044	206	9	activities	activity	NOUN
ajoaa-2044	206	10	may	may	AUX
ajoaa-2044	206	11	indicate	indicate	VERB
ajoaa-2044	206	12	the	the	DET
ajoaa-2044	206	13	paltry	paltry	ADJ
ajoaa-2044	206	14	denominator	denominator	NOUN
ajoaa-2044	206	15	of	of	ADP
ajoaa-2044	206	16	such	such	ADJ
ajoaa-2044	206	17	saving	saving	NOUN
ajoaa-2044	206	18	/	/	SYM
ajoaa-2044	206	19	income	income	NOUN
ajoaa-2044	206	20	percentage	percentage	NOUN
ajoaa-2044	206	21	.	.	PUNCT
ajoaa-2044	207	1	the	the	DET
ajoaa-2044	207	2	resulting	result	VERB
ajoaa-2044	207	3	measly	measly	ADJ
ajoaa-2044	207	4	amount	amount	NOUN
ajoaa-2044	207	5	saved	save	VERB
ajoaa-2044	207	6	may	may	AUX
ajoaa-2044	207	7	be	be	AUX
ajoaa-2044	207	8	consumed	consume	VERB
ajoaa-2044	207	9	during	during	ADP
ajoaa-2044	207	10	the	the	DET
ajoaa-2044	207	11	slack	slack	NOUN
ajoaa-2044	207	12	period	period	NOUN
ajoaa-2044	207	13	when	when	SCONJ
ajoaa-2044	207	14	harvest	harvest	NOUN
ajoaa-2044	207	15	is	be	AUX
ajoaa-2044	207	16	being	be	AUX
ajoaa-2044	207	17	awaited	await	VERB
ajoaa-2044	207	18	.	.	PUNCT
ajoaa-2044	208	1	about	about	ADP
ajoaa-2044	208	2	52.50	52.50	NUM
ajoaa-2044	208	3	%	%	NOUN
ajoaa-2044	208	4	of	of	ADP
ajoaa-2044	208	5	farmers	farmer	NOUN
ajoaa-2044	208	6	(	(	PUNCT
ajoaa-2044	208	7	table	table	NOUN
ajoaa-2044	208	8	3	3	NUM
ajoaa-2044	208	9	)	)	PUNCT
ajoaa-2044	208	10	have	have	VERB
ajoaa-2044	208	11	no	no	DET
ajoaa-2044	208	12	bank	bank	NOUN
ajoaa-2044	208	13	account	account	NOUN
ajoaa-2044	208	14	.	.	PUNCT
ajoaa-2044	209	1	this	this	DET
ajoaa-2044	209	2	finding	finding	NOUN
ajoaa-2044	209	3	is	be	AUX
ajoaa-2044	209	4	in	in	ADP
ajoaa-2044	209	5	agreement	agreement	NOUN
ajoaa-2044	209	6	with	with	ADP
ajoaa-2044	209	7	the	the	DET
ajoaa-2044	209	8	finding	finding	NOUN
ajoaa-2044	209	9	of	of	ADP
ajoaa-2044	209	10	anderson	anderson	PROPN
ajoaa-2044	209	11	et	et	PROPN
ajoaa-2044	209	12	al	al	PROPN
ajoaa-2044	209	13	.	.	PROPN
ajoaa-2044	210	1	(	(	PUNCT
ajoaa-2044	210	2	2017	2017	NUM
ajoaa-2044	210	3	)	)	PUNCT
ajoaa-2044	210	4	who	who	PRON
ajoaa-2044	210	5	submitted	submit	VERB
ajoaa-2044	210	6	that	that	PRON
ajoaa-2044	210	7	notwithstanding	notwithstanding	ADP
ajoaa-2044	210	8	the	the	DET
ajoaa-2044	210	9	widespread	widespread	ADJ
ajoaa-2044	210	10	saving	saving	NOUN
ajoaa-2044	210	11	practice	practice	NOUN
ajoaa-2044	210	12	among	among	ADP
ajoaa-2044	210	13	smallholder	smallholder	NOUN
ajoaa-2044	210	14	farmers	farmer	NOUN
ajoaa-2044	210	15	,	,	PUNCT
ajoaa-2044	210	16	it	it	PRON
ajoaa-2044	210	17	is	be	AUX
ajoaa-2044	210	18	done	do	VERB
ajoaa-2044	210	19	outside	outside	ADP
ajoaa-2044	210	20	the	the	DET
ajoaa-2044	210	21	formal	formal	ADJ
ajoaa-2044	210	22	banking	banking	NOUN
ajoaa-2044	210	23	system	system	NOUN
ajoaa-2044	210	24	.	.	PUNCT
ajoaa-2044	211	1	hence	hence	ADV
ajoaa-2044	211	2	a	a	DET
ajoaa-2044	211	3	good	good	ADJ
ajoaa-2044	211	4	proportion	proportion	NOUN
ajoaa-2044	211	5	of	of	ADP
ajoaa-2044	211	6	64.20	64.20	NUM
ajoaa-2044	211	7	%	%	NOUN
ajoaa-2044	211	8	of	of	ADP
ajoaa-2044	211	9	farmers	farmer	NOUN
ajoaa-2044	211	10	who	who	PRON
ajoaa-2044	211	11	save	save	VERB
ajoaa-2044	211	12	50	50	NUM
ajoaa-2044	211	13	%	%	NOUN
ajoaa-2044	211	14	or	or	CCONJ
ajoaa-2044	211	15	more	more	ADJ
ajoaa-2044	211	16	of	of	ADP
ajoaa-2044	211	17	their	their	PRON
ajoaa-2044	211	18	income	income	NOUN
ajoaa-2044	211	19	do	do	VERB
ajoaa-2044	211	20	so	so	ADV
ajoaa-2044	211	21	through	through	ADP
ajoaa-2044	211	22	informal	informal	ADJ
ajoaa-2044	211	23	methods	method	NOUN
ajoaa-2044	211	24	.	.	PUNCT
ajoaa-2044	212	1	the	the	DET
ajoaa-2044	212	2	absence	absence	NOUN
ajoaa-2044	212	3	of	of	ADP
ajoaa-2044	212	4	any	any	DET
ajoaa-2044	212	5	formal	formal	ADJ
ajoaa-2044	212	6	relationship	relationship	NOUN
ajoaa-2044	212	7	with	with	ADP
ajoaa-2044	212	8	the	the	DET
ajoaa-2044	212	9	bank	bank	NOUN
ajoaa-2044	212	10	adversely	adversely	ADV
ajoaa-2044	212	11	affects	affect	VERB
ajoaa-2044	212	12	loan	loan	NOUN
ajoaa-2044	212	13	access	access	NOUN
ajoaa-2044	212	14	(	(	PUNCT
ajoaa-2044	212	15	aladejebi	aladejebi	PROPN
ajoaa-2044	212	16	et	et	PROPN
ajoaa-2044	212	17	al	al	PROPN
ajoaa-2044	212	18	.	.	PROPN
ajoaa-2044	212	19	,	,	PUNCT
ajoaa-2044	212	20	2018	2018	NUM
ajoaa-2044	212	21	)	)	PUNCT
ajoaa-2044	212	22	.	.	PUNCT
ajoaa-2044	213	1	these	these	DET
ajoaa-2044	213	2	savings	saving	NOUN
ajoaa-2044	213	3	may	may	AUX
ajoaa-2044	213	4	thus	thus	ADV
ajoaa-2044	213	5	be	be	AUX
ajoaa-2044	213	6	handy	handy	ADJ
ajoaa-2044	213	7	and	and	CCONJ
ajoaa-2044	213	8	may	may	AUX
ajoaa-2044	213	9	not	not	PART
ajoaa-2044	213	10	,	,	PUNCT
ajoaa-2044	213	11	therefore	therefore	ADV
ajoaa-2044	213	12	,	,	PUNCT
ajoaa-2044	213	13	fit	fit	ADJ
ajoaa-2044	213	14	into	into	ADP
ajoaa-2044	213	15	either	either	CCONJ
ajoaa-2044	213	16	the	the	DET
ajoaa-2044	213	17	permanent	permanent	ADJ
ajoaa-2044	213	18	income	income	NOUN
ajoaa-2044	213	19	hypothesis	hypothesis	NOUN
ajoaa-2044	213	20	or	or	CCONJ
ajoaa-2044	213	21	the	the	DET
ajoaa-2044	213	22	life	life	NOUN
ajoaa-2044	213	23	cycle	cycle	NOUN
ajoaa-2044	213	24	hypothesis	hypothesis	NOUN
ajoaa-2044	213	25	of	of	ADP
ajoaa-2044	213	26	consumption	consumption	NOUN
ajoaa-2044	213	27	,	,	PUNCT
ajoaa-2044	213	28	saving	saving	NOUN
ajoaa-2044	213	29	,	,	PUNCT
ajoaa-2044	213	30	and	and	CCONJ
ajoaa-2044	213	31	income	income	NOUN
ajoaa-2044	213	32	.	.	PUNCT
ajoaa-2044	214	1	however	however	ADV
ajoaa-2044	214	2	,	,	PUNCT
ajoaa-2044	214	3	every	every	DET
ajoaa-2044	214	4	farm	farm	NOUN
ajoaa-2044	214	5	family	family	NOUN
ajoaa-2044	214	6	to	to	ADP
ajoaa-2044	214	7	a	a	DET
ajoaa-2044	214	8	large	large	ADJ
ajoaa-2044	214	9	extent	extent	NOUN
ajoaa-2044	214	10	has	have	VERB
ajoaa-2044	214	11	a	a	DET
ajoaa-2044	214	12	view	view	NOUN
ajoaa-2044	214	13	of	of	ADP
ajoaa-2044	214	14	its	its	PRON
ajoaa-2044	214	15	expected	expect	VERB
ajoaa-2044	214	16	expenditure	expenditure	NOUN
ajoaa-2044	214	17	over	over	ADP
ajoaa-2044	214	18	a	a	DET
ajoaa-2044	214	19	farming	farming	NOUN
ajoaa-2044	214	20	cycle	cycle	NOUN
ajoaa-2044	214	21	;	;	PUNCT
ajoaa-2044	214	22	hence	hence	ADV
ajoaa-2044	214	23	the	the	DET
ajoaa-2044	214	24	yearly	yearly	ADJ
ajoaa-2044	214	25	income	income	NOUN
ajoaa-2044	214	26	may	may	AUX
ajoaa-2044	214	27	be	be	AUX
ajoaa-2044	214	28	spread	spread	VERB
ajoaa-2044	214	29	over	over	ADP
ajoaa-2044	214	30	the	the	DET
ajoaa-2044	214	31	farming	farming	NOUN
ajoaa-2044	214	32	year	year	NOUN
ajoaa-2044	214	33	thinly	thinly	ADV
ajoaa-2044	214	34	.	.	PUNCT
ajoaa-2044	215	1	for	for	ADP
ajoaa-2044	215	2	savings	saving	NOUN
ajoaa-2044	215	3	in	in	ADP
ajoaa-2044	215	4	kind	kind	ADV
ajoaa-2044	215	5	like	like	ADP
ajoaa-2044	215	6	yam	yam	NOUN
ajoaa-2044	215	7	,	,	PUNCT
ajoaa-2044	215	8	those	those	PRON
ajoaa-2044	215	9	meant	mean	VERB
ajoaa-2044	215	10	for	for	ADP
ajoaa-2044	215	11	consumption	consumption	NOUN
ajoaa-2044	215	12	are	be	AUX
ajoaa-2044	215	13	separated	separate	VERB
ajoaa-2044	215	14	from	from	ADP
ajoaa-2044	215	15	those	those	PRON
ajoaa-2044	215	16	meant	mean	VERB
ajoaa-2044	215	17	for	for	ADP
ajoaa-2044	215	18	planting	planting	NOUN
ajoaa-2044	215	19	in	in	ADP
ajoaa-2044	215	20	the	the	DET
ajoaa-2044	215	21	next	next	ADJ
ajoaa-2044	215	22	season	season	NOUN
ajoaa-2044	215	23	.	.	PUNCT
ajoaa-2044	216	1	whereas	whereas	SCONJ
ajoaa-2044	216	2	the	the	DET
ajoaa-2044	216	3	former	former	ADJ
ajoaa-2044	216	4	is	be	AUX
ajoaa-2044	216	5	consumed	consume	VERB
ajoaa-2044	216	6	over	over	ADP
ajoaa-2044	216	7	time	time	NOUN
ajoaa-2044	216	8	until	until	ADP
ajoaa-2044	216	9	the	the	DET
ajoaa-2044	216	10	next	next	ADJ
ajoaa-2044	216	11	harvest	harvest	NOUN
ajoaa-2044	216	12	,	,	PUNCT
ajoaa-2044	216	13	the	the	DET
ajoaa-2044	216	14	latter	latter	ADJ
ajoaa-2044	216	15	is	be	AUX
ajoaa-2044	216	16	used	use	VERB
ajoaa-2044	216	17	in	in	ADP
ajoaa-2044	216	18	production	production	NOUN
ajoaa-2044	216	19	in	in	ADP
ajoaa-2044	216	20	asian	asian	ADJ
ajoaa-2044	216	21	journal	journal	NOUN
ajoaa-2044	216	22	of	of	ADP
ajoaa-2044	216	23	agriculture	agriculture	NOUN
ajoaa-2044	216	24	and	and	CCONJ
ajoaa-2044	216	25	rural	rural	ADJ
ajoaa-2044	216	26	development	development	NOUN
ajoaa-2044	216	27	,	,	PUNCT
ajoaa-2044	216	28	10(1)2020	10(1)2020	NUM
ajoaa-2044	216	29	:	:	PUNCT
ajoaa-2044	216	30	406	406	NUM
ajoaa-2044	216	31	-	-	SYM
ajoaa-2044	216	32	419	419	NUM
ajoaa-2044	216	33	414	414	NUM
ajoaa-2044	216	34	the	the	DET
ajoaa-2044	216	35	next	next	ADJ
ajoaa-2044	216	36	farming	farming	NOUN
ajoaa-2044	216	37	season	season	NOUN
ajoaa-2044	216	38	;	;	PUNCT
ajoaa-2044	216	39	these	these	PRON
ajoaa-2044	216	40	are	be	AUX
ajoaa-2044	216	41	varieties	variety	NOUN
ajoaa-2044	216	42	of	of	ADP
ajoaa-2044	216	43	the	the	DET
ajoaa-2044	216	44	traditional	traditional	ADJ
ajoaa-2044	216	45	methods	method	NOUN
ajoaa-2044	216	46	of	of	ADP
ajoaa-2044	216	47	saving	saving	NOUN
ajoaa-2044	216	48	and	and	CCONJ
ajoaa-2044	216	49	reasons	reason	NOUN
ajoaa-2044	216	50	holding	hold	VERB
ajoaa-2044	216	51	cash	cash	NOUN
ajoaa-2044	216	52	.	.	PUNCT
ajoaa-2044	217	1	this	this	DET
ajoaa-2044	217	2	pattern	pattern	NOUN
ajoaa-2044	217	3	of	of	ADP
ajoaa-2044	217	4	saving	saving	NOUN
ajoaa-2044	217	5	/	/	SYM
ajoaa-2044	217	6	consumption	consumption	NOUN
ajoaa-2044	217	7	may	may	AUX
ajoaa-2044	217	8	give	give	VERB
ajoaa-2044	217	9	credence	credence	NOUN
ajoaa-2044	217	10	to	to	ADP
ajoaa-2044	217	11	the	the	DET
ajoaa-2044	217	12	relatively	relatively	ADV
ajoaa-2044	217	13	high	high	ADJ
ajoaa-2044	217	14	proportion	proportion	NOUN
ajoaa-2044	217	15	of	of	ADP
ajoaa-2044	217	16	farmers	farmer	NOUN
ajoaa-2044	217	17	who	who	PRON
ajoaa-2044	217	18	do	do	AUX
ajoaa-2044	217	19	not	not	PART
ajoaa-2044	217	20	operate	operate	VERB
ajoaa-2044	217	21	a	a	DET
ajoaa-2044	217	22	bank	bank	NOUN
ajoaa-2044	217	23	account	account	NOUN
ajoaa-2044	217	24	,	,	PUNCT
ajoaa-2044	217	25	a	a	DET
ajoaa-2044	217	26	behaviour	behaviour	NOUN
ajoaa-2044	217	27	which	which	PRON
ajoaa-2044	217	28	naturally	naturally	ADV
ajoaa-2044	217	29	eliminates	eliminate	VERB
ajoaa-2044	217	30	them	they	PRON
ajoaa-2044	217	31	from	from	ADP
ajoaa-2044	217	32	accessing	access	VERB
ajoaa-2044	217	33	commercial	commercial	ADJ
ajoaa-2044	217	34	bank	bank	NOUN
ajoaa-2044	217	35	loans	loan	NOUN
ajoaa-2044	217	36	(	(	PUNCT
ajoaa-2044	217	37	aladejebi	aladejebi	PROPN
ajoaa-2044	217	38	et	et	PROPN
ajoaa-2044	217	39	al	al	PROPN
ajoaa-2044	217	40	.	.	PROPN
ajoaa-2044	217	41	,	,	PUNCT
ajoaa-2044	217	42	2018	2018	NUM
ajoaa-2044	217	43	)	)	PUNCT
ajoaa-2044	217	44	.	.	PUNCT
ajoaa-2044	218	1	there	there	PRON
ajoaa-2044	218	2	is	be	VERB
ajoaa-2044	218	3	no	no	DET
ajoaa-2044	218	4	compelling	compelling	ADJ
ajoaa-2044	218	5	reason	reason	NOUN
ajoaa-2044	218	6	for	for	SCONJ
ajoaa-2044	218	7	these	these	DET
ajoaa-2044	218	8	respondents	respondent	NOUN
ajoaa-2044	218	9	to	to	PART
ajoaa-2044	218	10	open	open	VERB
ajoaa-2044	218	11	a	a	DET
ajoaa-2044	218	12	bank	bank	NOUN
ajoaa-2044	218	13	account	account	NOUN
ajoaa-2044	218	14	.	.	PUNCT
ajoaa-2044	219	1	this	this	PRON
ajoaa-2044	219	2	is	be	AUX
ajoaa-2044	219	3	the	the	DET
ajoaa-2044	219	4	most	most	ADV
ajoaa-2044	219	5	likely	likely	ADJ
ajoaa-2044	219	6	reason	reason	NOUN
ajoaa-2044	219	7	why	why	SCONJ
ajoaa-2044	219	8	25.80	25.80	NUM
ajoaa-2044	219	9	%	%	NOUN
ajoaa-2044	219	10	have	have	AUX
ajoaa-2044	219	11	simply	simply	ADV
ajoaa-2044	219	12	not	not	PART
ajoaa-2044	219	13	gone	go	VERB
ajoaa-2044	219	14	around	around	ADV
ajoaa-2044	219	15	getting	get	VERB
ajoaa-2044	219	16	one	one	NUM
ajoaa-2044	219	17	.	.	PUNCT
ajoaa-2044	220	1	furthermore	furthermore	ADV
ajoaa-2044	220	2	,	,	PUNCT
ajoaa-2044	220	3	they	they	PRON
ajoaa-2044	220	4	do	do	AUX
ajoaa-2044	220	5	not	not	PART
ajoaa-2044	220	6	find	find	VERB
ajoaa-2044	220	7	them	they	PRON
ajoaa-2044	220	8	very	very	ADV
ajoaa-2044	220	9	helpful	helpful	ADJ
ajoaa-2044	220	10	(	(	PUNCT
ajoaa-2044	220	11	16.67	16.67	NUM
ajoaa-2044	220	12	%	%	NOUN
ajoaa-2044	220	13	)	)	PUNCT
ajoaa-2044	220	14	.	.	PUNCT
ajoaa-2044	221	1	the	the	DET
ajoaa-2044	221	2	already	already	ADV
ajoaa-2044	221	3	unattractive	unattractive	ADJ
ajoaa-2044	221	4	situation	situation	NOUN
ajoaa-2044	221	5	is	be	AUX
ajoaa-2044	221	6	made	make	VERB
ajoaa-2044	221	7	worse	bad	ADJ
ajoaa-2044	221	8	by	by	ADP
ajoaa-2044	221	9	the	the	DET
ajoaa-2044	221	10	long	long	ADJ
ajoaa-2044	221	11	queues	queue	NOUN
ajoaa-2044	221	12	in	in	ADP
ajoaa-2044	221	13	banking	banking	NOUN
ajoaa-2044	221	14	halls	hall	NOUN
ajoaa-2044	221	15	due	due	ADP
ajoaa-2044	221	16	to	to	PART
ajoaa-2044	221	17	slow	slow	VERB
ajoaa-2044	221	18	service	service	NOUN
ajoaa-2044	221	19	deliveries	delivery	NOUN
ajoaa-2044	221	20	at	at	ADP
ajoaa-2044	221	21	the	the	DET
ajoaa-2044	221	22	banks	bank	NOUN
ajoaa-2044	221	23	.	.	PUNCT
ajoaa-2044	222	1	these	these	DET
ajoaa-2044	222	2	findings	finding	NOUN
ajoaa-2044	222	3	sum	sum	VERB
ajoaa-2044	222	4	up	up	ADP
ajoaa-2044	222	5	to	to	PART
ajoaa-2044	222	6	suggest	suggest	VERB
ajoaa-2044	222	7	that	that	SCONJ
ajoaa-2044	222	8	farmers	farmer	NOUN
ajoaa-2044	222	9	have	have	VERB
ajoaa-2044	222	10	a	a	DET
ajoaa-2044	222	11	desire	desire	NOUN
ajoaa-2044	222	12	to	to	PART
ajoaa-2044	222	13	save	save	VERB
ajoaa-2044	222	14	but	but	CCONJ
ajoaa-2044	222	15	not	not	PART
ajoaa-2044	222	16	in	in	ADP
ajoaa-2044	222	17	ways	way	NOUN
ajoaa-2044	222	18	and	and	CCONJ
ajoaa-2044	222	19	manner	manner	NOUN
ajoaa-2044	222	20	currently	currently	ADV
ajoaa-2044	222	21	offered	offer	VERB
ajoaa-2044	222	22	by	by	ADP
ajoaa-2044	222	23	the	the	DET
ajoaa-2044	222	24	commercial	commercial	ADJ
ajoaa-2044	222	25	banks	bank	NOUN
ajoaa-2044	222	26	.	.	PUNCT
ajoaa-2044	223	1	farmers	farmer	NOUN
ajoaa-2044	223	2	like	like	ADP
ajoaa-2044	223	3	any	any	DET
ajoaa-2044	223	4	other	other	ADJ
ajoaa-2044	223	5	bank	bank	NOUN
ajoaa-2044	223	6	customer	customer	NOUN
ajoaa-2044	223	7	,	,	PUNCT
ajoaa-2044	223	8	require	require	VERB
ajoaa-2044	223	9	prompt	prompt	ADJ
ajoaa-2044	223	10	services	service	NOUN
ajoaa-2044	223	11	and	and	CCONJ
ajoaa-2044	223	12	,	,	PUNCT
ajoaa-2044	223	13	if	if	SCONJ
ajoaa-2044	223	14	any	any	DET
ajoaa-2044	223	15	waiting	waiting	NOUN
ajoaa-2044	223	16	periods	period	NOUN
ajoaa-2044	223	17	,	,	PUNCT
ajoaa-2044	223	18	less	less	ADV
ajoaa-2044	223	19	stressful	stressful	ADJ
ajoaa-2044	223	20	.	.	PUNCT
ajoaa-2044	224	1	these	these	DET
ajoaa-2044	224	2	push	push	NOUN
ajoaa-2044	224	3	factors	factor	NOUN
ajoaa-2044	224	4	from	from	ADP
ajoaa-2044	224	5	banking	banking	NOUN
ajoaa-2044	224	6	may	may	AUX
ajoaa-2044	224	7	,	,	PUNCT
ajoaa-2044	224	8	however	however	ADV
ajoaa-2044	224	9	,	,	PUNCT
ajoaa-2044	224	10	only	only	ADV
ajoaa-2044	224	11	represent	represent	VERB
ajoaa-2044	224	12	hygiene	hygiene	NOUN
ajoaa-2044	224	13	factors	factor	NOUN
ajoaa-2044	224	14	which	which	PRON
ajoaa-2044	224	15	even	even	ADV
ajoaa-2044	224	16	if	if	SCONJ
ajoaa-2044	224	17	provided	provide	VERB
ajoaa-2044	224	18	may	may	AUX
ajoaa-2044	224	19	not	not	PART
ajoaa-2044	224	20	motivate	motivate	VERB
ajoaa-2044	224	21	farmers	farmer	NOUN
ajoaa-2044	224	22	to	to	PART
ajoaa-2044	224	23	have	have	AUX
ajoaa-2044	224	24	changed	change	VERB
ajoaa-2044	224	25	behaviour	behaviour	NOUN
ajoaa-2044	224	26	.	.	PUNCT
ajoaa-2044	225	1	farmers	farmer	NOUN
ajoaa-2044	225	2	already	already	ADV
ajoaa-2044	225	3	consider	consider	VERB
ajoaa-2044	225	4	conditions	condition	NOUN
ajoaa-2044	225	5	for	for	ADP
ajoaa-2044	225	6	loan	loan	NOUN
ajoaa-2044	225	7	access	access	NOUN
ajoaa-2044	225	8	very	very	ADV
ajoaa-2044	225	9	stringent	stringent	ADJ
ajoaa-2044	225	10	and	and	CCONJ
ajoaa-2044	225	11	beyond	beyond	ADP
ajoaa-2044	225	12	their	their	PRON
ajoaa-2044	225	13	reach	reach	NOUN
ajoaa-2044	225	14	.	.	PUNCT
ajoaa-2044	226	1	furthermore	furthermore	ADV
ajoaa-2044	226	2	,	,	PUNCT
ajoaa-2044	226	3	their	their	PRON
ajoaa-2044	226	4	income	income	NOUN
ajoaa-2044	226	5	situation	situation	NOUN
ajoaa-2044	226	6	has	have	AUX
ajoaa-2044	226	7	not	not	PART
ajoaa-2044	226	8	been	be	AUX
ajoaa-2044	226	9	transformed	transform	VERB
ajoaa-2044	226	10	.	.	PUNCT
ajoaa-2044	227	1	necessary	necessary	ADJ
ajoaa-2044	227	2	changes	change	NOUN
ajoaa-2044	227	3	,	,	PUNCT
ajoaa-2044	227	4	therefore	therefore	ADV
ajoaa-2044	227	5	,	,	PUNCT
ajoaa-2044	227	6	need	need	VERB
ajoaa-2044	227	7	to	to	PART
ajoaa-2044	227	8	be	be	AUX
ajoaa-2044	227	9	effected	effect	VERB
ajoaa-2044	227	10	in	in	ADP
ajoaa-2044	227	11	these	these	DET
ajoaa-2044	227	12	conditions	condition	NOUN
ajoaa-2044	227	13	to	to	PART
ajoaa-2044	227	14	significantly	significantly	ADV
ajoaa-2044	227	15	touch	touch	VERB
ajoaa-2044	227	16	farmers	farmer	NOUN
ajoaa-2044	227	17	saving	save	VERB
ajoaa-2044	227	18	behaviour	behaviour	NOUN
ajoaa-2044	227	19	positively	positively	ADV
ajoaa-2044	227	20	.	.	PUNCT
ajoaa-2044	228	1	the	the	DET
ajoaa-2044	228	2	fact	fact	NOUN
ajoaa-2044	228	3	of	of	ADP
ajoaa-2044	228	4	the	the	DET
ajoaa-2044	228	5	existence	existence	NOUN
ajoaa-2044	228	6	of	of	ADP
ajoaa-2044	228	7	alternative	alternative	ADJ
ajoaa-2044	228	8	sources	source	NOUN
ajoaa-2044	228	9	of	of	ADP
ajoaa-2044	228	10	saving	saving	NOUN
ajoaa-2044	228	11	is	be	AUX
ajoaa-2044	228	12	noteworthy	noteworthy	ADJ
ajoaa-2044	228	13	.	.	PUNCT
ajoaa-2044	229	1	the	the	DET
ajoaa-2044	229	2	formation	formation	NOUN
ajoaa-2044	229	3	and	and	CCONJ
ajoaa-2044	229	4	membership	membership	NOUN
ajoaa-2044	229	5	of	of	ADP
ajoaa-2044	229	6	cooperative	cooperative	ADJ
ajoaa-2044	229	7	societies	society	NOUN
ajoaa-2044	229	8	are	be	AUX
ajoaa-2044	229	9	on	on	ADP
ajoaa-2044	229	10	the	the	DET
ajoaa-2044	229	11	increase	increase	NOUN
ajoaa-2044	229	12	so	so	ADV
ajoaa-2044	229	13	also	also	ADV
ajoaa-2044	229	14	are	be	AUX
ajoaa-2044	229	15	daily	daily	ADJ
ajoaa-2044	229	16	collectors	collector	NOUN
ajoaa-2044	229	17	who	who	PRON
ajoaa-2044	229	18	go	go	VERB
ajoaa-2044	229	19	to	to	ADP
ajoaa-2044	229	20	the	the	DET
ajoaa-2044	229	21	farmer	farmer	NOUN
ajoaa-2044	229	22	’s	’s	PART
ajoaa-2044	229	23	doorstep	doorstep	NOUN
ajoaa-2044	229	24	to	to	PART
ajoaa-2044	229	25	collect	collect	VERB
ajoaa-2044	229	26	savings	saving	NOUN
ajoaa-2044	229	27	.	.	PUNCT
ajoaa-2044	230	1	about	about	ADV
ajoaa-2044	230	2	46.67	46.67	NUM
ajoaa-2044	230	3	%	%	NOUN
ajoaa-2044	230	4	of	of	ADP
ajoaa-2044	230	5	respondents	respondent	NOUN
ajoaa-2044	230	6	either	either	CCONJ
ajoaa-2044	230	7	save	save	VERB
ajoaa-2044	230	8	with	with	ADP
ajoaa-2044	230	9	a	a	DET
ajoaa-2044	230	10	cooperative	cooperative	ADJ
ajoaa-2044	230	11	society	society	NOUN
ajoaa-2044	230	12	(	(	PUNCT
ajoaa-2044	230	13	29.17	29.17	NUM
ajoaa-2044	230	14	%	%	NOUN
ajoaa-2044	230	15	)	)	PUNCT
ajoaa-2044	230	16	or	or	CCONJ
ajoaa-2044	230	17	with	with	ADP
ajoaa-2044	230	18	daily	daily	ADJ
ajoaa-2044	230	19	collectors	collector	NOUN
ajoaa-2044	230	20	(	(	PUNCT
ajoaa-2044	230	21	17.50	17.50	NUM
ajoaa-2044	230	22	%	%	NOUN
ajoaa-2044	230	23	)	)	PUNCT
ajoaa-2044	230	24	.	.	PUNCT
ajoaa-2044	231	1	thus	thus	ADV
ajoaa-2044	231	2	the	the	DET
ajoaa-2044	231	3	formal	formal	ADJ
ajoaa-2044	231	4	banking	banking	NOUN
ajoaa-2044	231	5	sector	sector	NOUN
ajoaa-2044	231	6	may	may	AUX
ajoaa-2044	231	7	need	need	VERB
ajoaa-2044	231	8	to	to	PART
ajoaa-2044	231	9	be	be	AUX
ajoaa-2044	231	10	more	more	ADJ
ajoaa-2044	231	11	farmer	farmer	NOUN
ajoaa-2044	231	12	oriented	orient	VERB
ajoaa-2044	231	13	in	in	ADP
ajoaa-2044	231	14	their	their	PRON
ajoaa-2044	231	15	service	service	NOUN
ajoaa-2044	231	16	delivery	delivery	NOUN
ajoaa-2044	231	17	if	if	SCONJ
ajoaa-2044	231	18	they	they	PRON
ajoaa-2044	231	19	are	be	AUX
ajoaa-2044	231	20	to	to	PART
ajoaa-2044	231	21	compete	compete	VERB
ajoaa-2044	231	22	effectively	effectively	ADV
ajoaa-2044	231	23	in	in	ADP
ajoaa-2044	231	24	mobilizing	mobilize	VERB
ajoaa-2044	231	25	rural	rural	ADJ
ajoaa-2044	231	26	farm	farm	NOUN
ajoaa-2044	231	27	income	income	NOUN
ajoaa-2044	231	28	.	.	PUNCT
ajoaa-2044	232	1	furthermore	furthermore	ADV
ajoaa-2044	232	2	,	,	PUNCT
ajoaa-2044	232	3	since	since	SCONJ
ajoaa-2044	232	4	all	all	DET
ajoaa-2044	232	5	the	the	DET
ajoaa-2044	232	6	farmers	farmer	NOUN
ajoaa-2044	232	7	who	who	PRON
ajoaa-2044	232	8	have	have	VERB
ajoaa-2044	232	9	bank	bank	NOUN
ajoaa-2044	232	10	account	account	NOUN
ajoaa-2044	232	11	have	have	AUX
ajoaa-2044	232	12	visited	visit	VERB
ajoaa-2044	232	13	the	the	DET
ajoaa-2044	232	14	bank	bank	NOUN
ajoaa-2044	232	15	for	for	ADP
ajoaa-2044	232	16	reasons	reason	NOUN
ajoaa-2044	232	17	other	other	ADJ
ajoaa-2044	232	18	than	than	SCONJ
ajoaa-2044	232	19	to	to	PART
ajoaa-2044	232	20	make	make	VERB
ajoaa-2044	232	21	a	a	DET
ajoaa-2044	232	22	deposit	deposit	NOUN
ajoaa-2044	232	23	(	(	PUNCT
ajoaa-2044	232	24	table	table	NOUN
ajoaa-2044	232	25	3	3	NUM
ajoaa-2044	232	26	)	)	PUNCT
ajoaa-2044	232	27	,	,	PUNCT
ajoaa-2044	232	28	a	a	DET
ajoaa-2044	232	29	possible	possible	ADJ
ajoaa-2044	232	30	implication	implication	NOUN
ajoaa-2044	232	31	is	be	AUX
ajoaa-2044	232	32	that	that	PRON
ajoaa-2044	232	33	ignorance	ignorance	NOUN
ajoaa-2044	232	34	and/or	and/or	CCONJ
ajoaa-2044	232	35	lack	lack	NOUN
ajoaa-2044	232	36	of	of	ADP
ajoaa-2044	232	37	awareness	awareness	NOUN
ajoaa-2044	232	38	on	on	ADP
ajoaa-2044	232	39	the	the	DET
ajoaa-2044	232	40	part	part	NOUN
ajoaa-2044	232	41	of	of	ADP
ajoaa-2044	232	42	farmers	farmer	NOUN
ajoaa-2044	232	43	regarding	regard	VERB
ajoaa-2044	232	44	the	the	DET
ajoaa-2044	232	45	traditional	traditional	ADJ
ajoaa-2044	232	46	services	service	NOUN
ajoaa-2044	232	47	of	of	ADP
ajoaa-2044	232	48	commercial	commercial	ADJ
ajoaa-2044	232	49	banks	bank	NOUN
ajoaa-2044	232	50	may	may	AUX
ajoaa-2044	232	51	be	be	AUX
ajoaa-2044	232	52	on	on	ADP
ajoaa-2044	232	53	the	the	DET
ajoaa-2044	232	54	decline	decline	NOUN
ajoaa-2044	232	55	but	but	CCONJ
ajoaa-2044	232	56	the	the	DET
ajoaa-2044	232	57	environment	environment	NOUN
ajoaa-2044	232	58	of	of	ADP
ajoaa-2044	232	59	the	the	DET
ajoaa-2044	232	60	banking	banking	NOUN
ajoaa-2044	232	61	system	system	NOUN
ajoaa-2044	232	62	discourages	discourage	VERB
ajoaa-2044	232	63	general	general	ADJ
ajoaa-2044	232	64	embraced	embrace	VERB
ajoaa-2044	232	65	by	by	ADP
ajoaa-2044	232	66	farmers	farmer	NOUN
ajoaa-2044	232	67	.	.	PUNCT
ajoaa-2044	233	1	3.5	3.5	NUM
ajoaa-2044	233	2	.	.	PUNCT
ajoaa-2044	233	3	determinants	determinant	NOUN
ajoaa-2044	233	4	of	of	ADP
ajoaa-2044	233	5	saving	save	VERB
ajoaa-2044	233	6	farming	farming	NOUN
ajoaa-2044	233	7	experience	experience	NOUN
ajoaa-2044	233	8	is	be	AUX
ajoaa-2044	233	9	a	a	DET
ajoaa-2044	233	10	key	key	ADJ
ajoaa-2044	233	11	determinant	determinant	NOUN
ajoaa-2044	233	12	of	of	ADP
ajoaa-2044	233	13	saving	saving	NOUN
ajoaa-2044	233	14	.	.	PUNCT
ajoaa-2044	234	1	table	table	NOUN
ajoaa-2044	234	2	4	4	NUM
ajoaa-2044	234	3	which	which	PRON
ajoaa-2044	234	4	shows	show	VERB
ajoaa-2044	234	5	the	the	DET
ajoaa-2044	234	6	farmers	farmer	NOUN
ajoaa-2044	234	7	’	’	PART
ajoaa-2044	234	8	perception	perception	NOUN
ajoaa-2044	234	9	of	of	ADP
ajoaa-2044	234	10	factors	factor	NOUN
ajoaa-2044	234	11	that	that	PRON
ajoaa-2044	234	12	affect	affect	VERB
ajoaa-2044	234	13	saving	save	VERB
ajoaa-2044	234	14	indicates	indicate	VERB
ajoaa-2044	234	15	that	that	SCONJ
ajoaa-2044	234	16	about	about	ADP
ajoaa-2044	234	17	95.33	95.33	NUM
ajoaa-2044	234	18	%	%	NOUN
ajoaa-2044	234	19	of	of	ADP
ajoaa-2044	234	20	respondents	respondent	NOUN
ajoaa-2044	234	21	were	be	AUX
ajoaa-2044	234	22	of	of	ADP
ajoaa-2044	234	23	this	this	DET
ajoaa-2044	234	24	view	view	NOUN
ajoaa-2044	234	25	.	.	PUNCT
ajoaa-2044	235	1	this	this	DET
ajoaa-2044	235	2	finding	finding	NOUN
ajoaa-2044	235	3	suggests	suggest	VERB
ajoaa-2044	235	4	that	that	SCONJ
ajoaa-2044	235	5	competence	competence	NOUN
ajoaa-2044	235	6	/	/	SYM
ajoaa-2044	235	7	experience	experience	NOUN
ajoaa-2044	235	8	acquired	acquire	VERB
ajoaa-2044	235	9	over	over	ADP
ajoaa-2044	235	10	time	time	NOUN
ajoaa-2044	235	11	has	have	VERB
ajoaa-2044	235	12	a	a	DET
ajoaa-2044	235	13	penetrating	penetrate	VERB
ajoaa-2044	235	14	effect	effect	NOUN
ajoaa-2044	235	15	on	on	ADP
ajoaa-2044	235	16	farming	farming	NOUN
ajoaa-2044	235	17	to	to	ADP
ajoaa-2044	235	18	saving	save	VERB
ajoaa-2044	235	19	behaviour	behaviour	NOUN
ajoaa-2044	235	20	,	,	PUNCT
ajoaa-2044	235	21	thus	thus	ADV
ajoaa-2044	235	22	saving	save	VERB
ajoaa-2044	235	23	may	may	AUX
ajoaa-2044	235	24	have	have	VERB
ajoaa-2044	235	25	a	a	DET
ajoaa-2044	235	26	positive	positive	ADJ
ajoaa-2044	235	27	relationship	relationship	NOUN
ajoaa-2044	235	28	with	with	ADP
ajoaa-2044	235	29	good	good	ADJ
ajoaa-2044	235	30	farming	farming	NOUN
ajoaa-2044	235	31	experience	experience	NOUN
ajoaa-2044	235	32	,	,	PUNCT
ajoaa-2044	235	33	all	all	DET
ajoaa-2044	235	34	things	thing	NOUN
ajoaa-2044	235	35	being	be	AUX
ajoaa-2044	235	36	equal	equal	ADJ
ajoaa-2044	235	37	.	.	PUNCT
ajoaa-2044	236	1	on	on	ADP
ajoaa-2044	236	2	the	the	DET
ajoaa-2044	236	3	other	other	ADJ
ajoaa-2044	236	4	hand	hand	NOUN
ajoaa-2044	236	5	,	,	PUNCT
ajoaa-2044	236	6	low	low	ADJ
ajoaa-2044	236	7	farm	farm	NOUN
ajoaa-2044	236	8	income	income	NOUN
ajoaa-2044	236	9	,	,	PUNCT
ajoaa-2044	236	10	sex	sex	NOUN
ajoaa-2044	236	11	,	,	PUNCT
ajoaa-2044	236	12	age	age	NOUN
ajoaa-2044	236	13	of	of	ADP
ajoaa-2044	236	14	respondent	respondent	NOUN
ajoaa-2044	236	15	,	,	PUNCT
ajoaa-2044	236	16	and	and	CCONJ
ajoaa-2044	236	17	large	large	ADJ
ajoaa-2044	236	18	household	household	NOUN
ajoaa-2044	236	19	size	size	NOUN
ajoaa-2044	236	20	tends	tend	VERB
ajoaa-2044	236	21	to	to	PART
ajoaa-2044	236	22	discourage	discourage	VERB
ajoaa-2044	236	23	saving	saving	NOUN
ajoaa-2044	236	24	(	(	PUNCT
ajoaa-2044	236	25	table	table	NOUN
ajoaa-2044	236	26	4	4	NUM
ajoaa-2044	236	27	)	)	PUNCT
ajoaa-2044	236	28	.	.	PUNCT
ajoaa-2044	237	1	the	the	DET
ajoaa-2044	237	2	logistic	logistic	ADJ
ajoaa-2044	237	3	regression	regression	NOUN
ajoaa-2044	237	4	(	(	PUNCT
ajoaa-2044	237	5	table	table	NOUN
ajoaa-2044	237	6	5	5	NUM
ajoaa-2044	237	7	)	)	PUNCT
ajoaa-2044	237	8	shows	show	VERB
ajoaa-2044	237	9	that	that	SCONJ
ajoaa-2044	237	10	educational	educational	ADJ
ajoaa-2044	237	11	level	level	NOUN
ajoaa-2044	237	12	,	,	PUNCT
ajoaa-2044	237	13	farm	farm	NOUN
ajoaa-2044	237	14	size	size	NOUN
ajoaa-2044	237	15	,	,	PUNCT
ajoaa-2044	237	16	and	and	CCONJ
ajoaa-2044	237	17	farming	farming	NOUN
ajoaa-2044	237	18	experience	experience	NOUN
ajoaa-2044	237	19	are	be	AUX
ajoaa-2044	237	20	the	the	DET
ajoaa-2044	237	21	significant	significant	ADJ
ajoaa-2044	237	22	determinants	determinant	NOUN
ajoaa-2044	237	23	of	of	ADP
ajoaa-2044	237	24	saving	saving	NOUN
ajoaa-2044	237	25	.	.	PUNCT
ajoaa-2044	238	1	the	the	DET
ajoaa-2044	238	2	chances	chance	NOUN
ajoaa-2044	238	3	of	of	ADP
ajoaa-2044	238	4	saving	save	VERB
ajoaa-2044	238	5	increases	increase	NOUN
ajoaa-2044	238	6	with	with	ADP
ajoaa-2044	238	7	the	the	DET
ajoaa-2044	238	8	level	level	NOUN
ajoaa-2044	238	9	of	of	ADP
ajoaa-2044	238	10	education	education	NOUN
ajoaa-2044	238	11	up	up	ADP
ajoaa-2044	238	12	to	to	ADP
ajoaa-2044	238	13	a	a	DET
ajoaa-2044	238	14	point	point	NOUN
ajoaa-2044	238	15	.	.	PUNCT
ajoaa-2044	239	1	this	this	PRON
ajoaa-2044	239	2	is	be	AUX
ajoaa-2044	239	3	evident	evident	ADJ
ajoaa-2044	239	4	in	in	ADP
ajoaa-2044	239	5	the	the	DET
ajoaa-2044	239	6	exponents	exponent	NOUN
ajoaa-2044	239	7	of	of	ADP
ajoaa-2044	239	8	the	the	DET
ajoaa-2044	239	9	coefficients	coefficient	NOUN
ajoaa-2044	239	10	of	of	ADP
ajoaa-2044	239	11	the	the	DET
ajoaa-2044	239	12	respective	respective	ADJ
ajoaa-2044	239	13	level	level	NOUN
ajoaa-2044	239	14	of	of	ADP
ajoaa-2044	239	15	education	education	NOUN
ajoaa-2044	239	16	.	.	PUNCT
ajoaa-2044	240	1	this	this	DET
ajoaa-2044	240	2	finding	finding	NOUN
ajoaa-2044	240	3	implies	imply	VERB
ajoaa-2044	240	4	increased	increase	VERB
ajoaa-2044	240	5	training	training	NOUN
ajoaa-2044	240	6	and	and	CCONJ
ajoaa-2044	240	7	education	education	NOUN
ajoaa-2044	240	8	of	of	ADP
ajoaa-2044	240	9	farmers	farmer	NOUN
ajoaa-2044	240	10	.	.	PUNCT
ajoaa-2044	241	1	ali	ali	PROPN
ajoaa-2044	241	2	et	et	PROPN
ajoaa-2044	241	3	al	al	PROPN
ajoaa-2044	241	4	.	.	PROPN
ajoaa-2044	242	1	(	(	PUNCT
ajoaa-2044	242	2	2015	2015	NUM
ajoaa-2044	242	3	)	)	PUNCT
ajoaa-2044	242	4	recommended	recommend	VERB
ajoaa-2044	242	5	higher	high	ADJ
ajoaa-2044	242	6	financial	financial	ADJ
ajoaa-2044	242	7	training	training	NOUN
ajoaa-2044	242	8	such	such	ADJ
ajoaa-2044	242	9	that	that	SCONJ
ajoaa-2044	242	10	it	it	PRON
ajoaa-2044	242	11	will	will	AUX
ajoaa-2044	242	12	have	have	VERB
ajoaa-2044	242	13	a	a	DET
ajoaa-2044	242	14	positive	positive	ADJ
ajoaa-2044	242	15	influence	influence	NOUN
ajoaa-2044	242	16	on	on	ADP
ajoaa-2044	242	17	saving	save	VERB
ajoaa-2044	242	18	behaviour	behaviour	NOUN
ajoaa-2044	242	19	.	.	PUNCT
ajoaa-2044	243	1	such	such	DET
ajoaa-2044	243	2	an	an	DET
ajoaa-2044	243	3	education	education	NOUN
ajoaa-2044	243	4	level	level	NOUN
ajoaa-2044	243	5	is	be	AUX
ajoaa-2044	243	6	ideal	ideal	ADJ
ajoaa-2044	243	7	if	if	SCONJ
ajoaa-2044	243	8	saving	save	VERB
ajoaa-2044	243	9	from	from	ADP
ajoaa-2044	243	10	farm	farm	NOUN
ajoaa-2044	243	11	income	income	NOUN
ajoaa-2044	243	12	is	be	AUX
ajoaa-2044	243	13	not	not	PART
ajoaa-2044	243	14	to	to	PART
ajoaa-2044	243	15	be	be	AUX
ajoaa-2044	243	16	diverted	divert	VERB
ajoaa-2044	243	17	but	but	CCONJ
ajoaa-2044	243	18	harnessed	harness	VERB
ajoaa-2044	243	19	for	for	ADP
ajoaa-2044	243	20	farm	farm	NOUN
ajoaa-2044	243	21	growth	growth	NOUN
ajoaa-2044	243	22	and	and	CCONJ
ajoaa-2044	243	23	development	development	NOUN
ajoaa-2044	243	24	.	.	PUNCT
ajoaa-2044	244	1	anang	anang	PROPN
ajoaa-2044	244	2	et	et	PROPN
ajoaa-2044	244	3	al	al	PROPN
ajoaa-2044	244	4	.	.	PROPN
ajoaa-2044	245	1	(	(	PUNCT
ajoaa-2044	245	2	2015	2015	NUM
ajoaa-2044	245	3	)	)	PUNCT
ajoaa-2044	245	4	did	do	AUX
ajoaa-2044	245	5	not	not	PART
ajoaa-2044	245	6	find	find	VERB
ajoaa-2044	245	7	educational	educational	ADJ
ajoaa-2044	245	8	level	level	NOUN
ajoaa-2044	245	9	significant	significant	ADJ
ajoaa-2044	245	10	but	but	CCONJ
ajoaa-2044	245	11	sex	sex	NOUN
ajoaa-2044	245	12	was	be	AUX
ajoaa-2044	245	13	at	at	ADP
ajoaa-2044	245	14	5	5	NUM
ajoaa-2044	245	15	%	%	NOUN
ajoaa-2044	245	16	.	.	PUNCT
ajoaa-2044	246	1	obalola	obalola	INTJ
ajoaa-2044	246	2	et	et	PROPN
ajoaa-2044	247	1	al	al	PROPN
ajoaa-2044	247	2	.	.	PROPN
ajoaa-2044	248	1	(	(	PUNCT
ajoaa-2044	248	2	2018	2018	NUM
ajoaa-2044	248	3	)	)	PUNCT
ajoaa-2044	248	4	who	who	PRON
ajoaa-2044	248	5	used	use	VERB
ajoaa-2044	248	6	variables	variable	NOUN
ajoaa-2044	248	7	that	that	PRON
ajoaa-2044	248	8	have	have	VERB
ajoaa-2044	248	9	a	a	DET
ajoaa-2044	248	10	little	little	ADJ
ajoaa-2044	248	11	intersection	intersection	NOUN
ajoaa-2044	248	12	with	with	ADP
ajoaa-2044	248	13	those	those	PRON
ajoaa-2044	248	14	of	of	ADP
ajoaa-2044	248	15	this	this	DET
ajoaa-2044	248	16	study	study	NOUN
ajoaa-2044	248	17	found	find	VERB
ajoaa-2044	248	18	age	age	NOUN
ajoaa-2044	248	19	and	and	CCONJ
ajoaa-2044	248	20	farm	farm	NOUN
ajoaa-2044	248	21	income	income	NOUN
ajoaa-2044	248	22	as	as	ADP
ajoaa-2044	248	23	significant	significant	ADJ
ajoaa-2044	248	24	determinants	determinant	NOUN
ajoaa-2044	248	25	of	of	ADP
ajoaa-2044	248	26	saving	saving	NOUN
ajoaa-2044	248	27	.	.	PUNCT
ajoaa-2044	249	1	farm	farm	NOUN
ajoaa-2044	249	2	income	income	NOUN
ajoaa-2044	249	3	and	and	CCONJ
ajoaa-2044	249	4	farm	farm	NOUN
ajoaa-2044	249	5	size	size	NOUN
ajoaa-2044	249	6	usually	usually	ADV
ajoaa-2044	249	7	have	have	VERB
ajoaa-2044	249	8	a	a	DET
ajoaa-2044	249	9	high	high	ADJ
ajoaa-2044	249	10	correlation	correlation	NOUN
ajoaa-2044	249	11	,	,	PUNCT
ajoaa-2044	249	12	hence	hence	ADV
ajoaa-2044	249	13	there	there	PRON
ajoaa-2044	249	14	is	be	VERB
ajoaa-2044	249	15	a	a	DET
ajoaa-2044	249	16	level	level	NOUN
ajoaa-2044	249	17	of	of	ADP
ajoaa-2044	249	18	agreement	agreement	NOUN
ajoaa-2044	249	19	between	between	ADP
ajoaa-2044	249	20	the	the	DET
ajoaa-2044	249	21	two	two	NUM
ajoaa-2044	249	22	studies	study	NOUN
ajoaa-2044	249	23	.	.	PUNCT
ajoaa-2044	250	1	asian	asian	ADJ
ajoaa-2044	250	2	journal	journal	PROPN
ajoaa-2044	250	3	of	of	ADP
ajoaa-2044	250	4	agriculture	agriculture	NOUN
ajoaa-2044	250	5	and	and	CCONJ
ajoaa-2044	250	6	rural	rural	ADJ
ajoaa-2044	250	7	development	development	NOUN
ajoaa-2044	250	8	,	,	PUNCT
ajoaa-2044	250	9	10(1)2020	10(1)2020	NUM
ajoaa-2044	250	10	:	:	PUNCT
ajoaa-2044	250	11	406	406	NUM
ajoaa-2044	250	12	-	-	SYM
ajoaa-2044	250	13	419	419	NUM
ajoaa-2044	250	14	415	415	NUM
ajoaa-2044	250	15	table	table	NOUN
ajoaa-2044	250	16	3	3	NUM
ajoaa-2044	250	17	:	:	PUNCT
ajoaa-2044	250	18	distribution	distribution	NOUN
ajoaa-2044	250	19	of	of	ADP
ajoaa-2044	250	20	respondents	respondent	NOUN
ajoaa-2044	250	21	on	on	ADP
ajoaa-2044	250	22	behavior	behavior	NOUN
ajoaa-2044	250	23	towards	towards	ADP
ajoaa-2044	250	24	savings	saving	NOUN
ajoaa-2044	250	25	variable	variable	ADJ
ajoaa-2044	250	26	frequency	frequency	NOUN
ajoaa-2044	250	27	(	(	PUNCT
ajoaa-2044	250	28	%	%	INTJ
ajoaa-2044	250	29	)	)	PUNCT
ajoaa-2044	250	30	do	do	AUX
ajoaa-2044	250	31	you	you	PRON
ajoaa-2044	250	32	save	save	VERB
ajoaa-2044	250	33	?	?	PUNCT
ajoaa-2044	251	1	no	no	DET
ajoaa-2044	251	2	30(20.00	30(20.00	NUM
ajoaa-2044	251	3	)	)	PUNCT
ajoaa-2044	252	1	yes	yes	ADV
ajoaa-2044	252	2	120	120	NUM
ajoaa-2044	252	3	(	(	PUNCT
ajoaa-2044	252	4	80.00	80.00	NUM
ajoaa-2044	252	5	)	)	PUNCT
ajoaa-2044	252	6	total	total	NOUN
ajoaa-2044	252	7	150	150	NUM
ajoaa-2044	252	8	(	(	PUNCT
ajoaa-2044	252	9	100.00	100.00	NUM
ajoaa-2044	252	10	)	)	PUNCT
ajoaa-2044	253	1	if	if	SCONJ
ajoaa-2044	253	2	yes	yes	INTJ
ajoaa-2044	253	3	,	,	PUNCT
ajoaa-2044	253	4	why	why	SCONJ
ajoaa-2044	253	5	do	do	AUX
ajoaa-2044	253	6	you	you	PRON
ajoaa-2044	253	7	save	save	VERB
ajoaa-2044	253	8	?	?	PUNCT
ajoaa-2044	254	1	my	my	PRON
ajoaa-2044	254	2	friends	friend	NOUN
ajoaa-2044	254	3	do	do	VERB
ajoaa-2044	254	4	15(12.50	15(12.50	NUM
ajoaa-2044	254	5	)	)	PUNCT
ajoaa-2044	254	6	for	for	ADP
ajoaa-2044	254	7	special	special	ADJ
ajoaa-2044	254	8	purchases	purchase	NOUN
ajoaa-2044	254	9	20	20	NUM
ajoaa-2044	254	10	(	(	PUNCT
ajoaa-2044	254	11	16.67	16.67	NUM
ajoaa-2044	254	12	)	)	PUNCT
ajoaa-2044	254	13	children	child	NOUN
ajoaa-2044	254	14	’s	’s	PART
ajoaa-2044	254	15	education	education	NOUN
ajoaa-2044	254	16	30	30	NUM
ajoaa-2044	254	17	(	(	PUNCT
ajoaa-2044	254	18	25.00	25.00	NUM
ajoaa-2044	254	19	)	)	PUNCT
ajoaa-2044	254	20	for	for	ADP
ajoaa-2044	254	21	emergencies	emergency	NOUN
ajoaa-2044	254	22	35	35	NUM
ajoaa-2044	254	23	(	(	PUNCT
ajoaa-2044	254	24	29.16	29.16	NUM
ajoaa-2044	254	25	)	)	PUNCT
ajoaa-2044	254	26	simply	simply	ADV
ajoaa-2044	254	27	to	to	PART
ajoaa-2044	254	28	have	have	VERB
ajoaa-2044	254	29	money	money	NOUN
ajoaa-2044	254	30	put	put	VERB
ajoaa-2044	254	31	aside	aside	ADV
ajoaa-2044	254	32	20	20	NUM
ajoaa-2044	254	33	(	(	PUNCT
ajoaa-2044	254	34	16.67	16.67	NUM
ajoaa-2044	254	35	)	)	PUNCT
ajoaa-2044	254	36	total	total	NOUN
ajoaa-2044	254	37	120	120	NUM
ajoaa-2044	254	38	(	(	PUNCT
ajoaa-2044	254	39	100	100	NUM
ajoaa-2044	254	40	)	)	PUNCT
ajoaa-2044	254	41	if	if	SCONJ
ajoaa-2044	254	42	you	you	PRON
ajoaa-2044	254	43	save	save	VERB
ajoaa-2044	254	44	,	,	PUNCT
ajoaa-2044	254	45	what	what	DET
ajoaa-2044	254	46	proportion	proportion	NOUN
ajoaa-2044	254	47	of	of	ADP
ajoaa-2044	254	48	income	income	NOUN
ajoaa-2044	254	49	do	do	AUX
ajoaa-2044	254	50	you	you	PRON
ajoaa-2044	254	51	save	save	VERB
ajoaa-2044	254	52	?	?	PUNCT
ajoaa-2044	255	1	25	25	NUM
ajoaa-2044	255	2	%	%	NOUN
ajoaa-2044	255	3	39(32.50	39(32.50	NUM
ajoaa-2044	255	4	)	)	PUNCT
ajoaa-2044	255	5	50	50	NUM
ajoaa-2044	255	6	%	%	NOUN
ajoaa-2044	255	7	45	45	NUM
ajoaa-2044	255	8	(	(	PUNCT
ajoaa-2044	255	9	37.50	37.50	NUM
ajoaa-2044	255	10	)	)	PUNCT
ajoaa-2044	255	11	75	75	NUM
ajoaa-2044	255	12	%	%	NOUN
ajoaa-2044	255	13	21	21	NUM
ajoaa-2044	255	14	(	(	PUNCT
ajoaa-2044	255	15	17.50	17.50	NUM
ajoaa-2044	255	16	)	)	PUNCT
ajoaa-2044	255	17	nearly	nearly	ADV
ajoaa-2044	255	18	all	all	PRON
ajoaa-2044	255	19	11	11	NUM
ajoaa-2044	255	20	(	(	PUNCT
ajoaa-2044	255	21	9.17	9.17	NUM
ajoaa-2044	255	22	)	)	PUNCT
ajoaa-2044	255	23	practically	practically	ADV
ajoaa-2044	255	24	nothing	nothing	PRON
ajoaa-2044	255	25	4	4	NUM
ajoaa-2044	255	26	(	(	PUNCT
ajoaa-2044	255	27	3.33	3.33	NUM
ajoaa-2044	255	28	)	)	PUNCT
ajoaa-2044	255	29	total	total	NOUN
ajoaa-2044	255	30	120	120	NUM
ajoaa-2044	255	31	(	(	PUNCT
ajoaa-2044	255	32	100	100	NUM
ajoaa-2044	255	33	)	)	PUNCT
ajoaa-2044	255	34	i	i	PRON
ajoaa-2044	255	35	have	have	VERB
ajoaa-2044	255	36	a	a	DET
ajoaa-2044	255	37	personal	personal	ADJ
ajoaa-2044	255	38	bank	bank	NOUN
ajoaa-2044	255	39	account	account	NOUN
ajoaa-2044	255	40	?	?	PUNCT
ajoaa-2044	256	1	(	(	PUNCT
ajoaa-2044	256	2	i	i	NOUN
ajoaa-2044	256	3	)	)	PUNCT
ajoaa-2044	256	4	no	no	DET
ajoaa-2044	256	5	63	63	NUM
ajoaa-2044	256	6	(	(	PUNCT
ajoaa-2044	256	7	52.50	52.50	NUM
ajoaa-2044	256	8	)	)	PUNCT
ajoaa-2044	256	9	(	(	PUNCT
ajoaa-2044	256	10	ii	ii	NOUN
ajoaa-2044	256	11	)	)	PUNCT
ajoaa-2044	257	1	yes	yes	ADV
ajoaa-2044	257	2	57	57	NUM
ajoaa-2044	257	3	(	(	PUNCT
ajoaa-2044	257	4	47,50	47,50	NUM
ajoaa-2044	257	5	)	)	PUNCT
ajoaa-2044	257	6	total	total	NOUN
ajoaa-2044	257	7	120	120	NUM
ajoaa-2044	257	8	(	(	PUNCT
ajoaa-2044	257	9	100	100	NUM
ajoaa-2044	257	10	)	)	PUNCT
ajoaa-2044	257	11	if	if	SCONJ
ajoaa-2044	257	12	no	no	INTJ
ajoaa-2044	257	13	,	,	PUNCT
ajoaa-2044	257	14	why	why	SCONJ
ajoaa-2044	257	15	not	not	PART
ajoaa-2044	257	16	?	?	PUNCT
ajoaa-2044	258	1	(	(	PUNCT
ajoaa-2044	258	2	i	i	NOUN
ajoaa-2044	258	3	)	)	PUNCT
ajoaa-2044	259	1	i	i	PRON
ajoaa-2044	259	2	do	do	AUX
ajoaa-2044	259	3	not	not	PART
ajoaa-2044	259	4	have	have	VERB
ajoaa-2044	259	5	enough	enough	ADJ
ajoaa-2044	259	6	saving	save	VERB
ajoaa-2044	259	7	8	8	NUM
ajoaa-2044	259	8	(	(	PUNCT
ajoaa-2044	259	9	6.67	6.67	NUM
ajoaa-2044	259	10	)	)	PUNCT
ajoaa-2044	259	11	(	(	PUNCT
ajoaa-2044	259	12	ii	ii	X
ajoaa-2044	259	13	)	)	PUNCT
ajoaa-2044	260	1	i	i	PRON
ajoaa-2044	260	2	simply	simply	ADV
ajoaa-2044	260	3	have	have	AUX
ajoaa-2044	260	4	not	not	PART
ajoaa-2044	260	5	gone	go	VERB
ajoaa-2044	260	6	around	around	ADV
ajoaa-2044	260	7	to	to	PART
ajoaa-2044	260	8	get	get	VERB
ajoaa-2044	260	9	one	one	NUM
ajoaa-2044	260	10	31	31	NUM
ajoaa-2044	260	11	(	(	PUNCT
ajoaa-2044	260	12	25.83	25.83	NUM
ajoaa-2044	260	13	)	)	PUNCT
ajoaa-2044	260	14	(	(	PUNCT
ajoaa-2044	260	15	iii	iii	X
ajoaa-2044	260	16	)	)	PUNCT
ajoaa-2044	260	17	banks	bank	NOUN
ajoaa-2044	260	18	are	be	AUX
ajoaa-2044	260	19	never	never	ADV
ajoaa-2044	260	20	open	open	ADJ
ajoaa-2044	260	21	24	24	NUM
ajoaa-2044	260	22	(	(	PUNCT
ajoaa-2044	260	23	20.00	20.00	NUM
ajoaa-2044	260	24	)	)	PUNCT
ajoaa-2044	260	25	(	(	PUNCT
ajoaa-2044	260	26	iv)i	iv)i	NOUN
ajoaa-2044	260	27	do	do	AUX
ajoaa-2044	260	28	not	not	PART
ajoaa-2044	260	29	like	like	VERB
ajoaa-2044	260	30	standing	stand	VERB
ajoaa-2044	260	31	in	in	ADP
ajoaa-2044	260	32	long	long	ADJ
ajoaa-2044	260	33	queues	queue	NOUN
ajoaa-2044	260	34	waiting	wait	VERB
ajoaa-2044	260	35	to	to	PART
ajoaa-2044	260	36	be	be	AUX
ajoaa-2044	260	37	served	serve	VERB
ajoaa-2044	260	38	37	37	NUM
ajoaa-2044	260	39	(	(	PUNCT
ajoaa-2044	260	40	30.83	30.83	NUM
ajoaa-2044	260	41	(	(	PUNCT
ajoaa-2044	260	42	v	v	NOUN
ajoaa-2044	260	43	)	)	PUNCT
ajoaa-2044	261	1	i	i	PRON
ajoaa-2044	261	2	do	do	AUX
ajoaa-2044	261	3	not	not	PART
ajoaa-2044	261	4	find	find	VERB
ajoaa-2044	261	5	them	they	PRON
ajoaa-2044	261	6	very	very	ADV
ajoaa-2044	261	7	helpful	helpful	ADJ
ajoaa-2044	261	8	20	20	NUM
ajoaa-2044	261	9	(	(	PUNCT
ajoaa-2044	261	10	16.67	16.67	NUM
ajoaa-2044	261	11	)	)	PUNCT
ajoaa-2044	261	12	total	total	NOUN
ajoaa-2044	261	13	120	120	NUM
ajoaa-2044	261	14	(	(	PUNCT
ajoaa-2044	261	15	100	100	NUM
ajoaa-2044	261	16	)	)	PUNCT
ajoaa-2044	261	17	for	for	ADP
ajoaa-2044	261	18	which	which	PRON
ajoaa-2044	261	19	of	of	ADP
ajoaa-2044	261	20	the	the	DET
ajoaa-2044	261	21	following	follow	VERB
ajoaa-2044	261	22	reason	reason	NOUN
ajoaa-2044	261	23	have	have	AUX
ajoaa-2044	261	24	you	you	PRON
ajoaa-2044	261	25	visited	visit	VERB
ajoaa-2044	261	26	your	your	PRON
ajoaa-2044	261	27	bank	bank	NOUN
ajoaa-2044	261	28	?	?	PUNCT
ajoaa-2044	262	1	(	(	PUNCT
ajoaa-2044	262	2	i	i	NOUN
ajoaa-2044	262	3	)	)	PUNCT
ajoaa-2044	262	4	to	to	PART
ajoaa-2044	262	5	obtain	obtain	VERB
ajoaa-2044	262	6	advice	advice	NOUN
ajoaa-2044	262	7	about	about	ADP
ajoaa-2044	262	8	saving	save	VERB
ajoaa-2044	262	9	money	money	NOUN
ajoaa-2044	262	10	39	39	NUM
ajoaa-2044	262	11	(	(	PUNCT
ajoaa-2044	262	12	32.50	32.50	NUM
ajoaa-2044	262	13	)	)	PUNCT
ajoaa-2044	262	14	(	(	PUNCT
ajoaa-2044	262	15	ii	ii	NOUN
ajoaa-2044	262	16	)	)	PUNCT
ajoaa-2044	262	17	to	to	PART
ajoaa-2044	262	18	get	get	VERB
ajoaa-2044	262	19	loan	loan	NOUN
ajoaa-2044	262	20	56	56	NUM
ajoaa-2044	262	21	(	(	PUNCT
ajoaa-2044	262	22	47.00	47.00	NUM
ajoaa-2044	262	23	)	)	PUNCT
ajoaa-2044	262	24	(	(	PUNCT
ajoaa-2044	262	25	iii	iii	NOUN
ajoaa-2044	262	26	)	)	PUNCT
ajoaa-2044	262	27	to	to	PART
ajoaa-2044	262	28	arrange	arrange	VERB
ajoaa-2044	262	29	an	an	DET
ajoaa-2044	262	30	overdraft	overdraft	NOUN
ajoaa-2044	262	31	8	8	NUM
ajoaa-2044	262	32	(	(	PUNCT
ajoaa-2044	262	33	6.60	6.60	NUM
ajoaa-2044	262	34	)	)	PUNCT
ajoaa-2044	262	35	(	(	PUNCT
ajoaa-2044	262	36	iv	iv	X
ajoaa-2044	262	37	)	)	PUNCT
ajoaa-2044	262	38	the	the	DET
ajoaa-2044	262	39	manager	manager	NOUN
ajoaa-2044	262	40	asked	ask	VERB
ajoaa-2044	262	41	to	to	PART
ajoaa-2044	262	42	see	see	VERB
ajoaa-2044	262	43	me	i	PRON
ajoaa-2044	262	44	17	17	NUM
ajoaa-2044	262	45	(	(	PUNCT
ajoaa-2044	262	46	13.90	13.90	NUM
ajoaa-2044	262	47	)	)	PUNCT
ajoaa-2044	262	48	total	total	NOUN
ajoaa-2044	262	49	120	120	NUM
ajoaa-2044	262	50	(	(	PUNCT
ajoaa-2044	262	51	100	100	NUM
ajoaa-2044	262	52	)	)	PUNCT
ajoaa-2044	262	53	how	how	SCONJ
ajoaa-2044	262	54	often	often	ADV
ajoaa-2044	262	55	do	do	AUX
ajoaa-2044	262	56	you	you	PRON
ajoaa-2044	262	57	save	save	VERB
ajoaa-2044	262	58	?	?	PUNCT
ajoaa-2044	263	1	(	(	PUNCT
ajoaa-2044	263	2	i	i	NOUN
ajoaa-2044	263	3	)	)	PUNCT
ajoaa-2044	263	4	daily	daily	ADV
ajoaa-2044	263	5	26	26	NUM
ajoaa-2044	263	6	(	(	PUNCT
ajoaa-2044	263	7	21.90	21.90	NUM
ajoaa-2044	263	8	)	)	PUNCT
ajoaa-2044	263	9	(	(	PUNCT
ajoaa-2044	263	10	ii	ii	NOUN
ajoaa-2044	263	11	)	)	PUNCT
ajoaa-2044	263	12	weekly	weekly	NOUN
ajoaa-2044	263	13	37	37	NUM
ajoaa-2044	263	14	(	(	PUNCT
ajoaa-2044	263	15	31.10	31.10	NUM
ajoaa-2044	263	16	)	)	PUNCT
ajoaa-2044	263	17	(	(	PUNCT
ajoaa-2044	263	18	iii	iii	NOUN
ajoaa-2044	263	19	)	)	PUNCT
ajoaa-2044	263	20	monthly	monthly	ADJ
ajoaa-2044	263	21	57	57	NUM
ajoaa-2044	263	22	(	(	PUNCT
ajoaa-2044	263	23	47.00	47.00	NUM
ajoaa-2044	263	24	)	)	PUNCT
ajoaa-2044	263	25	total	total	NOUN
ajoaa-2044	263	26	120	120	NUM
ajoaa-2044	263	27	(	(	PUNCT
ajoaa-2044	263	28	100	100	NUM
ajoaa-2044	263	29	)	)	PUNCT
ajoaa-2044	263	30	where	where	SCONJ
ajoaa-2044	263	31	do	do	AUX
ajoaa-2044	263	32	you	you	PRON
ajoaa-2044	263	33	save	save	VERB
ajoaa-2044	263	34	money	money	NOUN
ajoaa-2044	263	35	?	?	PUNCT
ajoaa-2044	264	1	(	(	PUNCT
ajoaa-2044	264	2	i	i	NOUN
ajoaa-2044	264	3	)	)	PUNCT
ajoaa-2044	264	4	cash	cash	NOUN
ajoaa-2044	264	5	box	box	NOUN
ajoaa-2044	264	6	at	at	ADP
ajoaa-2044	264	7	home	home	NOUN
ajoaa-2044	264	8	16	16	NUM
ajoaa-2044	264	9	(	(	PUNCT
ajoaa-2044	264	10	13.33	13.33	NUM
ajoaa-2044	264	11	)	)	PUNCT
ajoaa-2044	264	12	(	(	PUNCT
ajoaa-2044	264	13	ii	ii	NOUN
ajoaa-2044	264	14	)	)	PUNCT
ajoaa-2044	264	15	daily	daily	ADJ
ajoaa-2044	264	16	saving	saving	NOUN
ajoaa-2044	264	17	collector	collector	NOUN
ajoaa-2044	264	18	21	21	NUM
ajoaa-2044	264	19	(	(	PUNCT
ajoaa-2044	264	20	17.50	17.50	NUM
ajoaa-2044	264	21	)	)	PUNCT
ajoaa-2044	264	22	(	(	PUNCT
ajoaa-2044	264	23	iii	iii	X
ajoaa-2044	264	24	)	)	PUNCT
ajoaa-2044	264	25	bank	bank	NOUN
ajoaa-2044	264	26	48	48	NUM
ajoaa-2044	264	27	(	(	PUNCT
ajoaa-2044	264	28	40.00	40.00	NUM
ajoaa-2044	264	29	)	)	PUNCT
ajoaa-2044	264	30	(	(	PUNCT
ajoaa-2044	264	31	iv	iv	X
ajoaa-2044	264	32	)	)	PUNCT
ajoaa-2044	264	33	cooperative	cooperative	ADJ
ajoaa-2044	264	34	society	society	NOUN
ajoaa-2044	264	35	35	35	NUM
ajoaa-2044	264	36	(	(	PUNCT
ajoaa-2044	264	37	29.17	29.17	NUM
ajoaa-2044	264	38	)	)	PUNCT
ajoaa-2044	264	39	total	total	NOUN
ajoaa-2044	264	40	120	120	NUM
ajoaa-2044	264	41	(	(	PUNCT
ajoaa-2044	264	42	100	100	NUM
ajoaa-2044	264	43	)	)	PUNCT
ajoaa-2044	264	44	source	source	NOUN
ajoaa-2044	264	45	:	:	PUNCT
ajoaa-2044	264	46	field	field	NOUN
ajoaa-2044	264	47	survey	survey	NOUN
ajoaa-2044	264	48	,	,	PUNCT
ajoaa-2044	264	49	2018	2018	NUM
ajoaa-2044	264	50	asian	asian	ADJ
ajoaa-2044	264	51	journal	journal	NOUN
ajoaa-2044	264	52	of	of	ADP
ajoaa-2044	264	53	agriculture	agriculture	NOUN
ajoaa-2044	264	54	and	and	CCONJ
ajoaa-2044	264	55	rural	rural	ADJ
ajoaa-2044	264	56	development	development	NOUN
ajoaa-2044	264	57	,	,	PUNCT
ajoaa-2044	264	58	10(1)2020	10(1)2020	NUM
ajoaa-2044	264	59	:	:	PUNCT
ajoaa-2044	264	60	406	406	NUM
ajoaa-2044	264	61	-	-	SYM
ajoaa-2044	264	62	419	419	NUM
ajoaa-2044	264	63	416	416	NUM
ajoaa-2044	264	64	obayelu	obayelu	ADJ
ajoaa-2044	264	65	(	(	PUNCT
ajoaa-2044	264	66	2012	2012	NUM
ajoaa-2044	264	67	)	)	PUNCT
ajoaa-2044	264	68	identified	identify	VERB
ajoaa-2044	264	69	farming	farming	NOUN
ajoaa-2044	264	70	experience	experience	NOUN
ajoaa-2044	264	71	as	as	ADP
ajoaa-2044	264	72	a	a	DET
ajoaa-2044	264	73	significant	significant	ADJ
ajoaa-2044	264	74	determinant	determinant	NOUN
ajoaa-2044	264	75	of	of	ADP
ajoaa-2044	264	76	saving	save	VERB
ajoaa-2044	264	77	in	in	ADP
ajoaa-2044	264	78	addition	addition	NOUN
ajoaa-2044	264	79	to	to	ADP
ajoaa-2044	264	80	age	age	NOUN
ajoaa-2044	264	81	and	and	CCONJ
ajoaa-2044	264	82	diversification	diversification	NOUN
ajoaa-2044	264	83	into	into	ADP
ajoaa-2044	264	84	non	non	ADJ
ajoaa-2044	264	85	-	-	ADJ
ajoaa-2044	264	86	farm	farm	ADJ
ajoaa-2044	264	87	activities	activity	NOUN
ajoaa-2044	264	88	.	.	PUNCT
ajoaa-2044	265	1	farming	farming	NOUN
ajoaa-2044	265	2	experience	experience	NOUN
ajoaa-2044	265	3	is	be	AUX
ajoaa-2044	265	4	significantly	significantly	ADV
ajoaa-2044	265	5	negatively	negatively	ADV
ajoaa-2044	265	6	correlated	correlate	VERB
ajoaa-2044	265	7	in	in	ADP
ajoaa-2044	265	8	this	this	DET
ajoaa-2044	265	9	study	study	NOUN
ajoaa-2044	265	10	.	.	PUNCT
ajoaa-2044	266	1	the	the	DET
ajoaa-2044	266	2	meaning	meaning	NOUN
ajoaa-2044	266	3	of	of	ADP
ajoaa-2044	266	4	all	all	DET
ajoaa-2044	266	5	these	these	PRON
ajoaa-2044	266	6	is	be	AUX
ajoaa-2044	266	7	that	that	SCONJ
ajoaa-2044	266	8	the	the	DET
ajoaa-2044	266	9	factors	factor	NOUN
ajoaa-2044	266	10	that	that	PRON
ajoaa-2044	266	11	indeed	indeed	ADV
ajoaa-2044	266	12	determine	determine	VERB
ajoaa-2044	266	13	savings	saving	NOUN
ajoaa-2044	266	14	may	may	AUX
ajoaa-2044	266	15	vary	vary	VERB
ajoaa-2044	266	16	from	from	ADP
ajoaa-2044	266	17	place	place	NOUN
ajoaa-2044	266	18	to	to	ADP
ajoaa-2044	266	19	place	place	NOUN
ajoaa-2044	266	20	.	.	PUNCT
ajoaa-2044	267	1	this	this	DET
ajoaa-2044	267	2	assertion	assertion	NOUN
ajoaa-2044	267	3	requires	require	VERB
ajoaa-2044	267	4	a	a	DET
ajoaa-2044	267	5	more	more	ADV
ajoaa-2044	267	6	comprehensive	comprehensive	ADJ
ajoaa-2044	267	7	model	model	NOUN
ajoaa-2044	267	8	in	in	ADP
ajoaa-2044	267	9	terms	term	NOUN
ajoaa-2044	267	10	of	of	ADP
ajoaa-2044	267	11	variables	variable	NOUN
ajoaa-2044	267	12	for	for	ADP
ajoaa-2044	267	13	its	its	PRON
ajoaa-2044	267	14	validity	validity	NOUN
ajoaa-2044	267	15	.	.	PUNCT
ajoaa-2044	268	1	table	table	NOUN
ajoaa-2044	268	2	4	4	NUM
ajoaa-2044	268	3	:	:	PUNCT
ajoaa-2044	268	4	farmers	farmer	NOUN
ajoaa-2044	268	5	’	’	PART
ajoaa-2044	268	6	perception	perception	NOUN
ajoaa-2044	268	7	of	of	ADP
ajoaa-2044	268	8	factors	factor	NOUN
ajoaa-2044	268	9	that	that	PRON
ajoaa-2044	268	10	affect	affect	VERB
ajoaa-2044	268	11	saving	save	VERB
ajoaa-2044	268	12	variable	variable	NOUN
ajoaa-2044	269	1	yes	yes	INTJ
ajoaa-2044	269	2	no	no	PRON
ajoaa-2044	269	3	older	old	ADJ
ajoaa-2044	269	4	farmers	farmer	NOUN
ajoaa-2044	269	5	tend	tend	VERB
ajoaa-2044	269	6	to	to	PART
ajoaa-2044	269	7	save	save	VERB
ajoaa-2044	269	8	more	more	ADJ
ajoaa-2044	269	9	51(34.00	51(34.00	NUM
ajoaa-2044	269	10	%	%	NOUN
ajoaa-2044	269	11	)	)	PUNCT
ajoaa-2044	270	1	99(66	99(66	NUM
ajoaa-2044	270	2	%	%	NOUN
ajoaa-2044	270	3	)	)	PUNCT
ajoaa-2044	270	4	male	male	ADJ
ajoaa-2044	270	5	farmers	farmer	NOUN
ajoaa-2044	270	6	are	be	AUX
ajoaa-2044	270	7	believed	believe	VERB
ajoaa-2044	270	8	to	to	PART
ajoaa-2044	270	9	save	save	VERB
ajoaa-2044	270	10	more	more	ADJ
ajoaa-2044	270	11	than	than	ADP
ajoaa-2044	270	12	female	female	ADJ
ajoaa-2044	270	13	farmers	farmer	NOUN
ajoaa-2044	270	14	32	32	NUM
ajoaa-2044	270	15	(	(	PUNCT
ajoaa-2044	270	16	21.33	21.33	NUM
ajoaa-2044	270	17	%	%	NOUN
ajoaa-2044	270	18	)	)	PUNCT
ajoaa-2044	270	19	118	118	NUM
ajoaa-2044	270	20	(	(	PUNCT
ajoaa-2044	270	21	78.67	78.67	NUM
ajoaa-2044	270	22	%	%	NOUN
ajoaa-2044	270	23	)	)	PUNCT
ajoaa-2044	270	24	farmers	farmer	NOUN
ajoaa-2044	270	25	with	with	ADP
ajoaa-2044	270	26	good	good	ADJ
ajoaa-2044	270	27	farming	farming	NOUN
ajoaa-2044	270	28	experience	experience	NOUN
ajoaa-2044	270	29	save	save	VERB
ajoaa-2044	270	30	more	more	ADJ
ajoaa-2044	270	31	143	143	NOUN
ajoaa-2044	270	32	(	(	PUNCT
ajoaa-2044	270	33	95.33	95.33	NUM
ajoaa-2044	270	34	%	%	NOUN
ajoaa-2044	270	35	)	)	PUNCT
ajoaa-2044	270	36	7	7	NUM
ajoaa-2044	270	37	(	(	PUNCT
ajoaa-2044	270	38	4.67	4.67	NUM
ajoaa-2044	270	39	%	%	NOUN
ajoaa-2044	270	40	)	)	PUNCT
ajoaa-2044	270	41	farmers	farmer	NOUN
ajoaa-2044	270	42	with	with	ADP
ajoaa-2044	270	43	large	large	ADJ
ajoaa-2044	270	44	household	household	NOUN
ajoaa-2044	270	45	tend	tend	VERB
ajoaa-2044	270	46	to	to	PART
ajoaa-2044	270	47	save	save	VERB
ajoaa-2044	270	48	less	less	ADJ
ajoaa-2044	270	49	130	130	NUM
ajoaa-2044	270	50	(	(	PUNCT
ajoaa-2044	270	51	86.67	86.67	NUM
ajoaa-2044	270	52	%	%	NOUN
ajoaa-2044	270	53	)	)	PUNCT
ajoaa-2044	270	54	20	20	NUM
ajoaa-2044	270	55	(	(	PUNCT
ajoaa-2044	270	56	13.33	13.33	NUM
ajoaa-2044	270	57	%	%	NOUN
ajoaa-2044	270	58	)	)	PUNCT
ajoaa-2044	270	59	low	low	ADJ
ajoaa-2044	270	60	income	income	NOUN
ajoaa-2044	270	61	from	from	ADP
ajoaa-2044	270	62	rural	rural	ADJ
ajoaa-2044	270	63	enterprises	enterprise	NOUN
ajoaa-2044	270	64	leaves	leave	VERB
ajoaa-2044	270	65	only	only	ADV
ajoaa-2044	270	66	a	a	DET
ajoaa-2044	270	67	little	little	ADJ
ajoaa-2044	270	68	or	or	CCONJ
ajoaa-2044	270	69	nothing	nothing	PRON
ajoaa-2044	270	70	to	to	SCONJ
ajoaa-2044	270	71	savings	saving	NOUN
ajoaa-2044	270	72	141	141	NUM
ajoaa-2044	270	73	(	(	PUNCT
ajoaa-2044	270	74	94	94	NUM
ajoaa-2044	270	75	%	%	NOUN
ajoaa-2044	270	76	)	)	PUNCT
ajoaa-2044	270	77	9	9	NUM
ajoaa-2044	270	78	(	(	PUNCT
ajoaa-2044	270	79	6	6	NUM
ajoaa-2044	270	80	%	%	NOUN
ajoaa-2044	270	81	)	)	PUNCT
ajoaa-2044	270	82	farmers	farmer	NOUN
ajoaa-2044	270	83	with	with	ADP
ajoaa-2044	270	84	self	self	NOUN
ajoaa-2044	270	85	control	control	NOUN
ajoaa-2044	270	86	towards	towards	ADP
ajoaa-2044	270	87	spending	spending	NOUN
ajoaa-2044	270	88	save	save	VERB
ajoaa-2044	270	89	less	less	ADJ
ajoaa-2044	270	90	30(20	30(20	NUM
ajoaa-2044	270	91	%	%	NOUN
ajoaa-2044	270	92	)	)	PUNCT
ajoaa-2044	270	93	120	120	NUM
ajoaa-2044	270	94	(	(	PUNCT
ajoaa-2044	270	95	80	80	NUM
ajoaa-2044	270	96	%	%	NOUN
ajoaa-2044	270	97	)	)	PUNCT
ajoaa-2044	270	98	farmers	farmer	NOUN
ajoaa-2044	270	99	that	that	PRON
ajoaa-2044	270	100	are	be	AUX
ajoaa-2044	270	101	not	not	PART
ajoaa-2044	270	102	able	able	ADJ
ajoaa-2044	270	103	to	to	PART
ajoaa-2044	270	104	manage	manage	VERB
ajoaa-2044	270	105	their	their	PRON
ajoaa-2044	270	106	resources	resource	NOUN
ajoaa-2044	270	107	very	very	ADV
ajoaa-2044	270	108	well	well	ADV
ajoaa-2044	270	109	save	save	VERB
ajoaa-2044	270	110	more	more	ADJ
ajoaa-2044	270	111	.	.	PUNCT
ajoaa-2044	271	1	16	16	NUM
ajoaa-2044	271	2	(	(	PUNCT
ajoaa-2044	271	3	10.67	10.67	NUM
ajoaa-2044	271	4	)	)	PUNCT
ajoaa-2044	271	5	134	134	NUM
ajoaa-2044	271	6	(	(	PUNCT
ajoaa-2044	271	7	89.33	89.33	NUM
ajoaa-2044	271	8	%	%	NOUN
ajoaa-2044	271	9	)	)	PUNCT
ajoaa-2044	271	10	source	source	NOUN
ajoaa-2044	271	11	:	:	PUNCT
ajoaa-2044	271	12	field	field	NOUN
ajoaa-2044	271	13	survey	survey	NOUN
ajoaa-2044	271	14	,	,	PUNCT
ajoaa-2044	271	15	2018	2018	NUM
ajoaa-2044	271	16	table	table	NOUN
ajoaa-2044	271	17	5	5	NUM
ajoaa-2044	271	18	:	:	PUNCT
ajoaa-2044	271	19	logistic	logistic	ADJ
ajoaa-2044	271	20	regression	regression	NOUN
ajoaa-2044	271	21	result	result	NOUN
ajoaa-2044	271	22	of	of	ADP
ajoaa-2044	271	23	socio	socio	NOUN
ajoaa-2044	271	24	-	-	PUNCT
ajoaa-2044	271	25	economic	economic	ADJ
ajoaa-2044	271	26	factors	factor	NOUN
ajoaa-2044	271	27	as	as	ADP
ajoaa-2044	271	28	determinants	determinant	NOUN
ajoaa-2044	271	29	of	of	ADP
ajoaa-2044	271	30	saving	save	VERB
ajoaa-2044	271	31	b	b	PROPN
ajoaa-2044	271	32	s.e	s.e	PROPN
ajoaa-2044	271	33	wald	wald	PROPN
ajoaa-2044	271	34	df	df	PROPN
ajoaa-2044	271	35	sig	sig	PROPN
ajoaa-2044	271	36	.	.	PUNCT
ajoaa-2044	272	1	exp(b	exp(b	NUM
ajoaa-2044	272	2	)	)	PUNCT
ajoaa-2044	272	3	step1a	step1a	VERB
ajoaa-2044	272	4	age	age	NOUN
ajoaa-2044	272	5	sex	sex	NOUN
ajoaa-2044	272	6	(	(	PUNCT
ajoaa-2044	272	7	1	1	NUM
ajoaa-2044	272	8	)	)	PUNCT
ajoaa-2044	272	9	education	education	NOUN
ajoaa-2044	272	10	education	education	NOUN
ajoaa-2044	272	11	(	(	PUNCT
ajoaa-2044	272	12	1	1	NUM
ajoaa-2044	272	13	)	)	PUNCT
ajoaa-2044	272	14	education	education	NOUN
ajoaa-2044	272	15	(	(	PUNCT
ajoaa-2044	272	16	2	2	NUM
ajoaa-2044	272	17	)	)	PUNCT
ajoaa-2044	272	18	education	education	NOUN
ajoaa-2044	272	19	(	(	PUNCT
ajoaa-2044	272	20	3	3	NUM
ajoaa-2044	272	21	)	)	PUNCT
ajoaa-2044	272	22	farm	farm	NOUN
ajoaa-2044	272	23	size	size	NOUN
ajoaa-2044	272	24	farming	farming	NOUN
ajoaa-2044	272	25	experience	experience	NOUN
ajoaa-2044	272	26	regular	regular	ADJ
ajoaa-2044	272	27	income	income	NOUN
ajoaa-2044	272	28	source	source	NOUN
ajoaa-2044	272	29	(	(	PUNCT
ajoaa-2044	272	30	1	1	NUM
ajoaa-2044	272	31	)	)	PUNCT
ajoaa-2044	272	32	constant	constant	ADJ
ajoaa-2044	272	33	0.007	0.007	NUM
ajoaa-2044	272	34	0.355	0.355	NUM
ajoaa-2044	272	35	-2.052	-2.052	PUNCT
ajoaa-2044	272	36	1.003	1.003	NUM
ajoaa-2044	272	37	-0.432	-0.432	NOUN
ajoaa-2044	272	38	0.161	0.161	NUM
ajoaa-2044	272	39	-0.048	-0.048	NOUN
ajoaa-2044	272	40	0.777	0.777	NUM
ajoaa-2044	272	41	0.648	0.648	NUM
ajoaa-2044	272	42	0.012	0.012	NUM
ajoaa-2044	272	43	0.489	0.489	NUM
ajoaa-2044	272	44	0.819	0.819	NUM
ajoaa-2044	272	45	0.866	0.866	NUM
ajoaa-2044	272	46	0.964	0.964	NUM
ajoaa-2044	272	47	0.061	0.061	NUM
ajoaa-2044	272	48	0.021	0.021	NUM
ajoaa-2044	272	49	0.594	0.594	NUM
ajoaa-2044	272	50	1.145	1.145	NUM
ajoaa-2044	272	51	0.325	0.325	NUM
ajoaa-2044	272	52	0.525	0.525	NUM
ajoaa-2044	272	53	10.332	10.332	NUM
ajoaa-2044	272	54	6.276	6.276	NUM
ajoaa-2044	272	55	1.342	1.342	NUM
ajoaa-2044	272	56	0.201	0.201	NUM
ajoaa-2044	272	57	6.991	6.991	NUM
ajoaa-2044	272	58	5.328	5.328	NUM
ajoaa-2044	272	59	1.712	1.712	NUM
ajoaa-2044	272	60	0.321	0.321	NUM
ajoaa-2044	272	61	1	1	NUM
ajoaa-2044	272	62	1	1	NUM
ajoaa-2044	272	63	3	3	NUM
ajoaa-2044	272	64	1	1	NUM
ajoaa-2044	272	65	1	1	NUM
ajoaa-2044	272	66	1	1	NUM
ajoaa-2044	272	67	1	1	NUM
ajoaa-2044	272	68	1	1	NUM
ajoaa-2044	272	69	1	1	NUM
ajoaa-2044	272	70	1	1	NUM
ajoaa-2044	272	71	0.569	0.569	NUM
ajoaa-2044	272	72	0.469	0.469	NUM
ajoaa-2044	272	73	0.016	0.016	NUM
ajoaa-2044	272	74	*	*	PROPN
ajoaa-2044	272	75	0.012	0.012	NUM
ajoaa-2044	272	76	*	*	NOUN
ajoaa-2044	272	77	0.247	0.247	NUM
ajoaa-2044	272	78	0.654	0.654	NUM
ajoaa-2044	272	79	0.008	0.008	NUM
ajoaa-2044	272	80	*	*	PUNCT
ajoaa-2044	272	81	*	*	PROPN
ajoaa-2044	272	82	0.021	0.021	NUM
ajoaa-2044	272	83	*	*	NOUN
ajoaa-2044	272	84	0.191	0.191	NUM
ajoaa-2044	272	85	.0571	.0571	NOUN
ajoaa-2044	272	86	1.007	1.007	NUM
ajoaa-2044	272	87	1.426	1.426	NUM
ajoaa-2044	272	88	0.129	0.129	NUM
ajoaa-2044	272	89	0.367	0.367	NUM
ajoaa-2044	272	90	0.649	0.649	NUM
ajoaa-2044	272	91	1.175	1.175	NUM
ajoaa-2044	272	92	.953	.953	NUM
ajoaa-2044	272	93	2.176	2.176	NUM
ajoaa-2044	272	94	1.913	1.913	NUM
ajoaa-2044	272	95	source	source	NOUN
ajoaa-2044	272	96	:	:	PUNCT
ajoaa-2044	272	97	field	field	NOUN
ajoaa-2044	272	98	survey	survey	NOUN
ajoaa-2044	272	99	,	,	PUNCT
ajoaa-2044	272	100	2018	2018	NUM
ajoaa-2044	272	101	3.6	3.6	NUM
ajoaa-2044	272	102	.	.	PUNCT
ajoaa-2044	273	1	challenges	challenge	NOUN
ajoaa-2044	273	2	to	to	ADP
ajoaa-2044	273	3	farmers	farmer	NOUN
ajoaa-2044	273	4	saving	save	VERB
ajoaa-2044	273	5	eight	eight	NUM
ajoaa-2044	273	6	factors	factor	NOUN
ajoaa-2044	273	7	that	that	PRON
ajoaa-2044	273	8	could	could	AUX
ajoaa-2044	273	9	constitute	constitute	VERB
ajoaa-2044	273	10	challenges	challenge	NOUN
ajoaa-2044	273	11	to	to	ADP
ajoaa-2044	273	12	farmers	farmer	NOUN
ajoaa-2044	273	13	in	in	ADP
ajoaa-2044	273	14	their	their	PRON
ajoaa-2044	273	15	saving	save	VERB
ajoaa-2044	273	16	efforts	effort	NOUN
ajoaa-2044	273	17	were	be	AUX
ajoaa-2044	273	18	assessed	assess	VERB
ajoaa-2044	273	19	by	by	ADP
ajoaa-2044	273	20	farmers	farmer	NOUN
ajoaa-2044	273	21	.	.	PUNCT
ajoaa-2044	274	1	table	table	NOUN
ajoaa-2044	274	2	6	6	NUM
ajoaa-2044	274	3	shows	show	VERB
ajoaa-2044	274	4	their	their	PRON
ajoaa-2044	274	5	responses	response	NOUN
ajoaa-2044	274	6	and	and	CCONJ
ajoaa-2044	274	7	the	the	DET
ajoaa-2044	274	8	ranking	ranking	NOUN
ajoaa-2044	274	9	of	of	ADP
ajoaa-2044	274	10	these	these	DET
ajoaa-2044	274	11	factors	factor	NOUN
ajoaa-2044	274	12	.	.	PUNCT
ajoaa-2044	275	1	all	all	DET
ajoaa-2044	275	2	the	the	DET
ajoaa-2044	275	3	items	item	NOUN
ajoaa-2044	275	4	scored	score	VERB
ajoaa-2044	275	5	highly	highly	ADV
ajoaa-2044	275	6	above	above	ADP
ajoaa-2044	275	7	a	a	DET
ajoaa-2044	275	8	mean	mean	NOUN
ajoaa-2044	275	9	of	of	ADP
ajoaa-2044	275	10	2.50	2.50	NUM
ajoaa-2044	275	11	usually	usually	ADV
ajoaa-2044	275	12	applied	apply	VERB
ajoaa-2044	275	13	to	to	ADP
ajoaa-2044	275	14	a	a	DET
ajoaa-2044	275	15	four	four	NUM
ajoaa-2044	275	16	-	-	PUNCT
ajoaa-2044	275	17	point	point	NOUN
ajoaa-2044	275	18	likert	likert	ADJ
ajoaa-2044	275	19	type	type	NOUN
ajoaa-2044	275	20	scale	scale	NOUN
ajoaa-2044	275	21	.	.	PUNCT
ajoaa-2044	276	1	at	at	ADP
ajoaa-2044	276	2	the	the	DET
ajoaa-2044	276	3	top	top	NOUN
ajoaa-2044	276	4	is	be	AUX
ajoaa-2044	276	5	inadequate	inadequate	ADJ
ajoaa-2044	276	6	income	income	NOUN
ajoaa-2044	276	7	,	,	PUNCT
ajoaa-2044	276	8	followed	follow	VERB
ajoaa-2044	276	9	by	by	ADP
ajoaa-2044	276	10	family	family	NOUN
ajoaa-2044	276	11	responsibility	responsibility	NOUN
ajoaa-2044	276	12	and	and	CCONJ
ajoaa-2044	276	13	cost	cost	NOUN
ajoaa-2044	276	14	of	of	ADP
ajoaa-2044	276	15	inputs	input	NOUN
ajoaa-2044	276	16	.	.	PUNCT
ajoaa-2044	277	1	again	again	ADV
ajoaa-2044	277	2	,	,	PUNCT
ajoaa-2044	277	3	inadequate	inadequate	ADJ
ajoaa-2044	277	4	income	income	NOUN
ajoaa-2044	277	5	and	and	CCONJ
ajoaa-2044	277	6	cost	cost	NOUN
ajoaa-2044	277	7	of	of	ADP
ajoaa-2044	277	8	inputs	input	NOUN
ajoaa-2044	277	9	are	be	AUX
ajoaa-2044	277	10	two	two	NUM
ajoaa-2044	277	11	sides	side	NOUN
ajoaa-2044	277	12	of	of	ADP
ajoaa-2044	277	13	the	the	DET
ajoaa-2044	277	14	same	same	ADJ
ajoaa-2044	277	15	coin	coin	NOUN
ajoaa-2044	277	16	.	.	PUNCT
ajoaa-2044	278	1	demand	demand	NOUN
ajoaa-2044	278	2	tends	tend	VERB
ajoaa-2044	278	3	to	to	PART
ajoaa-2044	278	4	push	push	VERB
ajoaa-2044	278	5	up	up	ADP
ajoaa-2044	278	6	the	the	DET
ajoaa-2044	278	7	cost	cost	NOUN
ajoaa-2044	278	8	of	of	ADP
ajoaa-2044	278	9	inputs	input	NOUN
ajoaa-2044	278	10	at	at	ADP
ajoaa-2044	278	11	peak	peak	NOUN
ajoaa-2044	278	12	activity	activity	NOUN
ajoaa-2044	278	13	periods	period	NOUN
ajoaa-2044	278	14	of	of	ADP
ajoaa-2044	278	15	farming	farming	NOUN
ajoaa-2044	278	16	.	.	PUNCT
ajoaa-2044	279	1	on	on	ADP
ajoaa-2044	279	2	the	the	DET
ajoaa-2044	279	3	other	other	ADJ
ajoaa-2044	279	4	hand	hand	NOUN
ajoaa-2044	279	5	,	,	PUNCT
ajoaa-2044	279	6	an	an	DET
ajoaa-2044	279	7	uncontrolled	uncontrolled	ADJ
ajoaa-2044	279	8	supply	supply	NOUN
ajoaa-2044	279	9	of	of	ADP
ajoaa-2044	279	10	farm	farm	NOUN
ajoaa-2044	279	11	output	output	NOUN
ajoaa-2044	279	12	to	to	ADP
ajoaa-2044	279	13	the	the	DET
ajoaa-2044	279	14	market	market	NOUN
ajoaa-2044	279	15	during	during	ADP
ajoaa-2044	279	16	harvest	harvest	NOUN
ajoaa-2044	279	17	tends	tend	VERB
ajoaa-2044	279	18	to	to	PART
ajoaa-2044	279	19	drive	drive	VERB
ajoaa-2044	279	20	down	down	ADP
ajoaa-2044	279	21	the	the	DET
ajoaa-2044	279	22	price	price	NOUN
ajoaa-2044	279	23	of	of	ADP
ajoaa-2044	279	24	outputs	output	NOUN
ajoaa-2044	279	25	.	.	PUNCT
ajoaa-2044	280	1	this	this	PRON
ajoaa-2044	280	2	is	be	AUX
ajoaa-2044	280	3	the	the	DET
ajoaa-2044	280	4	dilemma	dilemma	NOUN
ajoaa-2044	280	5	of	of	ADP
ajoaa-2044	280	6	farmers	farmer	NOUN
ajoaa-2044	280	7	to	to	PART
ajoaa-2044	280	8	whom	whom	PRON
ajoaa-2044	280	9	value	value	VERB
ajoaa-2044	280	10	addition	addition	NOUN
ajoaa-2044	280	11	to	to	PART
ajoaa-2044	280	12	produce	produce	VERB
ajoaa-2044	280	13	is	be	AUX
ajoaa-2044	280	14	not	not	PART
ajoaa-2044	280	15	common	common	ADJ
ajoaa-2044	280	16	in	in	ADP
ajoaa-2044	280	17	an	an	DET
ajoaa-2044	280	18	unorganized	unorganized	ADJ
ajoaa-2044	280	19	market	market	NOUN
ajoaa-2044	280	20	.	.	PUNCT
ajoaa-2044	281	1	it	it	PRON
ajoaa-2044	281	2	is	be	AUX
ajoaa-2044	281	3	for	for	SCONJ
ajoaa-2044	281	4	this	this	DET
ajoaa-2044	281	5	reason	reason	NOUN
ajoaa-2044	281	6	that	that	PRON
ajoaa-2044	281	7	we	we	PRON
ajoaa-2044	281	8	recommend	recommend	VERB
ajoaa-2044	281	9	that	that	SCONJ
ajoaa-2044	281	10	policies	policy	NOUN
ajoaa-2044	281	11	that	that	PRON
ajoaa-2044	281	12	boost	boost	VERB
ajoaa-2044	281	13	farmers	farmer	NOUN
ajoaa-2044	281	14	’	’	PART
ajoaa-2044	281	15	income	income	NOUN
ajoaa-2044	281	16	and	and	CCONJ
ajoaa-2044	281	17	would	would	AUX
ajoaa-2044	281	18	make	make	VERB
ajoaa-2044	281	19	for	for	ADP
ajoaa-2044	281	20	the	the	DET
ajoaa-2044	281	21	development	development	NOUN
ajoaa-2044	281	22	of	of	ADP
ajoaa-2044	281	23	an	an	DET
ajoaa-2044	281	24	organized	organized	ADJ
ajoaa-2044	281	25	market	market	NOUN
ajoaa-2044	281	26	should	should	AUX
ajoaa-2044	281	27	be	be	AUX
ajoaa-2044	281	28	pursued	pursue	VERB
ajoaa-2044	281	29	.	.	PUNCT
ajoaa-2044	282	1	also	also	ADV
ajoaa-2044	282	2	,	,	PUNCT
ajoaa-2044	282	3	that	that	SCONJ
ajoaa-2044	282	4	the	the	DET
ajoaa-2044	282	5	banking	banking	NOUN
ajoaa-2044	282	6	sector	sector	NOUN
ajoaa-2044	282	7	should	should	AUX
ajoaa-2044	282	8	be	be	AUX
ajoaa-2044	282	9	more	more	ADJ
ajoaa-2044	282	10	customers	customer	NOUN
ajoaa-2044	282	11	oriented	orient	VERB
ajoaa-2044	282	12	with	with	ADP
ajoaa-2044	282	13	particular	particular	ADJ
ajoaa-2044	282	14	attention	attention	NOUN
ajoaa-2044	282	15	to	to	ADP
ajoaa-2044	282	16	the	the	DET
ajoaa-2044	282	17	needs	need	NOUN
ajoaa-2044	282	18	of	of	ADP
ajoaa-2044	282	19	rural	rural	ADJ
ajoaa-2044	282	20	farmers	farmer	NOUN
ajoaa-2044	282	21	.	.	PUNCT
ajoaa-2044	283	1	asian	asian	ADJ
ajoaa-2044	283	2	journal	journal	PROPN
ajoaa-2044	283	3	of	of	ADP
ajoaa-2044	283	4	agriculture	agriculture	NOUN
ajoaa-2044	283	5	and	and	CCONJ
ajoaa-2044	283	6	rural	rural	ADJ
ajoaa-2044	283	7	development	development	NOUN
ajoaa-2044	283	8	,	,	PUNCT
ajoaa-2044	283	9	10(1)2020	10(1)2020	NUM
ajoaa-2044	283	10	:	:	PUNCT
ajoaa-2044	283	11	406	406	NUM
ajoaa-2044	283	12	-	-	SYM
ajoaa-2044	283	13	419	419	NUM
ajoaa-2044	283	14	417	417	NUM
ajoaa-2044	283	15	table	table	NOUN
ajoaa-2044	283	16	6	6	NUM
ajoaa-2044	283	17	:	:	PUNCT
ajoaa-2044	283	18	respondents	respondent	NOUN
ajoaa-2044	283	19	’	'	PUNCT
ajoaa-2044	283	20	perception	perception	NOUN
ajoaa-2044	283	21	of	of	ADP
ajoaa-2044	283	22	challenges	challenge	NOUN
ajoaa-2044	283	23	to	to	PART
ajoaa-2044	283	24	saving	save	VERB
ajoaa-2044	283	25	no	no	PRON
ajoaa-2044	283	26	.	.	PUNCT
ajoaa-2044	284	1	sd	sd	ADP
ajoaa-2044	284	2	%	%	INTJ
ajoaa-2044	284	3	)	)	PUNCT
ajoaa-2044	285	1	d	d	NOUN
ajoaa-2044	285	2	(	(	PUNCT
ajoaa-2044	285	3	%	%	INTJ
ajoaa-2044	285	4	)	)	PUNCT
ajoaa-2044	285	5	a	a	DET
ajoaa-2044	285	6	(	(	PUNCT
ajoaa-2044	285	7	%	%	NOUN
ajoaa-2044	285	8	)	)	PUNCT
ajoaa-2044	285	9	sa	sa	PROPN
ajoaa-2044	286	1	(	(	PUNCT
ajoaa-2044	286	2	%	%	INTJ
ajoaa-2044	286	3	)	)	PUNCT
ajoaa-2044	286	4	mean	mean	NOUN
ajoaa-2044	286	5	(	(	PUNCT
ajoaa-2044	286	6	std	std	NOUN
ajoaa-2044	286	7	)	)	PUNCT
ajoaa-2044	286	8	rank	rank	PROPN
ajoaa-2044	286	9	i.	i.	PROPN
ajoaa-2044	286	10	inadequate	inadequate	ADJ
ajoaa-2044	286	11	income	income	NOUN
ajoaa-2044	286	12	3(2.00	3(2.00	NUM
ajoaa-2044	286	13	)	)	PUNCT
ajoaa-2044	286	14	6(4	6(4	NUM
ajoaa-2044	286	15	)	)	PUNCT
ajoaa-2044	286	16	38(25.33	38(25.33	NUM
ajoaa-2044	286	17	)	)	PUNCT
ajoaa-2044	286	18	103(68.67	103(68.67	NUM
ajoaa-2044	286	19	)	)	PUNCT
ajoaa-2044	286	20	3.89(0.69	3.89(0.69	NUM
ajoaa-2044	286	21	)	)	PUNCT
ajoaa-2044	286	22	1st	1st	PROPN
ajoaa-2044	286	23	ii	ii	PROPN
ajoaa-2044	286	24	.	.	PUNCT
ajoaa-2044	287	1	family	family	NOUN
ajoaa-2044	287	2	responsibility	responsibility	NOUN
ajoaa-2044	287	3	8(6.33	8(6.33	NUM
ajoaa-2044	287	4	)	)	PUNCT
ajoaa-2044	287	5	45(30	45(30	NUM
ajoaa-2044	287	6	)	)	PUNCT
ajoaa-2044	287	7	97(64.67	97(64.67	NUM
ajoaa-2044	287	8	)	)	PUNCT
ajoaa-2044	287	9	3.58(0.61	3.58(0.61	NUM
ajoaa-2044	287	10	)	)	PUNCT
ajoaa-2044	287	11	2nd	2nd	PROPN
ajoaa-2044	287	12	iii	iii	PROPN
ajoaa-2044	287	13	.	.	PUNCT
ajoaa-2044	287	14	cost	cost	NOUN
ajoaa-2044	287	15	of	of	ADP
ajoaa-2044	287	16	inputs	input	NOUN
ajoaa-2044	287	17	14(9.33	14(9.33	NUM
ajoaa-2044	287	18	)	)	PUNCT
ajoaa-2044	287	19	61(40.67	61(40.67	NOUN
ajoaa-2044	287	20	)	)	PUNCT
ajoaa-2044	287	21	75(50	75(50	NOUN
ajoaa-2044	287	22	)	)	PUNCT
ajoaa-2044	288	1	3.40(0.66	3.40(0.66	NUM
ajoaa-2044	288	2	)	)	PUNCT
ajoaa-2044	288	3	3rd	3rd	NOUN
ajoaa-2044	288	4	iv	iv	NUM
ajoaa-2044	288	5	.	.	PUNCT
ajoaa-2044	288	6	lack	lack	NOUN
ajoaa-2044	288	7	of	of	ADP
ajoaa-2044	288	8	trust	trust	NOUN
ajoaa-2044	288	9	of	of	ADP
ajoaa-2044	288	10	security	security	NOUN
ajoaa-2044	288	11	of	of	ADP
ajoaa-2044	288	12	savings	saving	NOUN
ajoaa-2044	288	13	9(6.00	9(6.00	NUM
ajoaa-2044	288	14	)	)	PUNCT
ajoaa-2044	288	15	29(19.33	29(19.33	NUM
ajoaa-2044	288	16	)	)	PUNCT
ajoaa-2044	288	17	46(30.67	46(30.67	NOUN
ajoaa-2044	288	18	)	)	PUNCT
ajoaa-2044	288	19	66(44	66(44	NOUN
ajoaa-2044	288	20	)	)	PUNCT
ajoaa-2044	288	21	3.11(0.93	3.11(0.93	NUM
ajoaa-2044	288	22	)	)	PUNCT
ajoaa-2044	288	23	4th	4th	NOUN
ajoaa-2044	288	24	v.	v.	ADP
ajoaa-2044	288	25	insincerity	insincerity	NOUN
ajoaa-2044	288	26	of	of	ADP
ajoaa-2044	288	27	group	group	NOUN
ajoaa-2044	288	28	members	member	NOUN
ajoaa-2044	288	29	pose	pose	VERB
ajoaa-2044	288	30	a	a	DET
ajoaa-2044	288	31	problem	problem	NOUN
ajoaa-2044	288	32	to	to	ADP
ajoaa-2044	288	33	farmers	farmer	NOUN
ajoaa-2044	288	34	income	income	VERB
ajoaa-2044	288	35	7(4.67	7(4.67	NUM
ajoaa-2044	288	36	)	)	PUNCT
ajoaa-2044	288	37	15(10	15(10	NUM
ajoaa-2044	288	38	)	)	PUNCT
ajoaa-2044	288	39	85(56.67	85(56.67	NUM
ajoaa-2044	288	40	)	)	PUNCT
ajoaa-2044	288	41	43(28.67	43(28.67	NUM
ajoaa-2044	288	42	)	)	PUNCT
ajoaa-2044	288	43	3.10(0.76	3.10(0.76	NUM
ajoaa-2044	288	44	)	)	PUNCT
ajoaa-2044	288	45	5th	5th	ADJ
ajoaa-2044	288	46	vi	vi	PROPN
ajoaa-2044	288	47	.	.	PUNCT
ajoaa-2044	288	48	theft	theft	NOUN
ajoaa-2044	288	49	of	of	ADP
ajoaa-2044	288	50	crops	crop	NOUN
ajoaa-2044	288	51	6(4.00	6(4.00	NUM
ajoaa-2044	288	52	)	)	PUNCT
ajoaa-2044	288	53	28(18.67	28(18.67	NUM
ajoaa-2044	288	54	)	)	PUNCT
ajoaa-2044	288	55	62(41.33	62(41.33	NUM
ajoaa-2044	288	56	)	)	PUNCT
ajoaa-2044	288	57	54(36	54(36	NUM
ajoaa-2044	288	58	)	)	PUNCT
ajoaa-2044	288	59	3.09(0.84	3.09(0.84	NUM
ajoaa-2044	288	60	)	)	PUNCT
ajoaa-2044	288	61	6th	6th	NOUN
ajoaa-2044	288	62	vii	vii	PROPN
ajoaa-2044	288	63	.	.	PROPN
ajoaa-2044	288	64	high	high	PROPN
ajoaa-2044	288	65	bank	bank	PROPN
ajoaa-2044	288	66	charges	charge	NOUN
ajoaa-2044	288	67	,	,	PUNCT
ajoaa-2044	288	68	delays	delay	NOUN
ajoaa-2044	288	69	,	,	PUNCT
ajoaa-2044	288	70	congestion	congestion	NOUN
ajoaa-2044	288	71	at	at	ADP
ajoaa-2044	288	72	the	the	DET
ajoaa-2044	288	73	bank	bank	NOUN
ajoaa-2044	288	74	and	and	CCONJ
ajoaa-2044	288	75	remoteness	remoteness	NOUN
ajoaa-2044	288	76	of	of	ADP
ajoaa-2044	288	77	the	the	DET
ajoaa-2044	288	78	bank	bank	NOUN
ajoaa-2044	288	79	hinder	hinder	NOUN
ajoaa-2044	288	80	farmers	farmer	NOUN
ajoaa-2044	288	81	saving	save	VERB
ajoaa-2044	288	82	10(6.67	10(6.67	NUM
ajoaa-2044	288	83	13(8.67	13(8.67	NUM
ajoaa-2044	288	84	)	)	PUNCT
ajoaa-2044	288	85	83(55.33	83(55.33	NUM
ajoaa-2044	288	86	)	)	PUNCT
ajoaa-2044	288	87	44(29.33	44(29.33	NUM
ajoaa-2044	288	88	)	)	PUNCT
ajoaa-2044	289	1	3.08(0.80	3.08(0.80	NUM
ajoaa-2044	289	2	)	)	PUNCT
ajoaa-2044	289	3	7th	7th	ADJ
ajoaa-2044	289	4	viii	viii	ADJ
ajoaa-2044	289	5	.	.	PUNCT
ajoaa-2044	290	1	constant	constant	ADJ
ajoaa-2044	290	2	illness	illness	NOUN
ajoaa-2044	290	3	8(5.33	8(5.33	NUM
ajoaa-2044	290	4	)	)	PUNCT
ajoaa-2044	290	5	19(12.67	19(12.67	NUM
ajoaa-2044	290	6	)	)	PUNCT
ajoaa-2044	290	7	87(58	87(58	NUM
ajoaa-2044	290	8	)	)	PUNCT
ajoaa-2044	290	9	36(24	36(24	NUM
ajoaa-2044	290	10	)	)	PUNCT
ajoaa-2044	290	11	3.01(0.766	3.01(0.766	NUM
ajoaa-2044	290	12	)	)	PUNCT
ajoaa-2044	291	1	8th	8th	ADJ
ajoaa-2044	291	2	source	source	NOUN
ajoaa-2044	291	3	:	:	PUNCT
ajoaa-2044	291	4	field	field	NOUN
ajoaa-2044	291	5	survey	survey	NOUN
ajoaa-2044	291	6	,	,	PUNCT
ajoaa-2044	291	7	2018	2018	NUM
ajoaa-2044	291	8	4	4	NUM
ajoaa-2044	291	9	.	.	PUNCT
ajoaa-2044	292	1	conclusion	conclusion	NOUN
ajoaa-2044	292	2	farmers	farmer	NOUN
ajoaa-2044	292	3	are	be	AUX
ajoaa-2044	292	4	knowledgeable	knowledgeable	ADJ
ajoaa-2044	292	5	on	on	ADP
ajoaa-2044	292	6	the	the	DET
ajoaa-2044	292	7	need	need	NOUN
ajoaa-2044	292	8	to	to	PART
ajoaa-2044	292	9	saving	save	VERB
ajoaa-2044	292	10	and	and	CCONJ
ajoaa-2044	292	11	have	have	VERB
ajoaa-2044	292	12	a	a	DET
ajoaa-2044	292	13	mindset	mindset	NOUN
ajoaa-2044	292	14	to	to	ADP
ajoaa-2044	292	15	saving	save	VERB
ajoaa-2044	292	16	,	,	PUNCT
ajoaa-2044	292	17	but	but	CCONJ
ajoaa-2044	292	18	generally	generally	ADV
ajoaa-2044	292	19	not	not	PART
ajoaa-2044	292	20	in	in	ADP
ajoaa-2044	292	21	the	the	DET
ajoaa-2044	292	22	formal	formal	ADJ
ajoaa-2044	292	23	banking	banking	NOUN
ajoaa-2044	292	24	system	system	NOUN
ajoaa-2044	292	25	.	.	PUNCT
ajoaa-2044	293	1	apart	apart	ADV
ajoaa-2044	293	2	from	from	ADP
ajoaa-2044	293	3	inadequate	inadequate	ADJ
ajoaa-2044	293	4	income	income	NOUN
ajoaa-2044	293	5	and	and	CCONJ
ajoaa-2044	293	6	family	family	NOUN
ajoaa-2044	293	7	responsibilities	responsibility	NOUN
ajoaa-2044	293	8	which	which	PRON
ajoaa-2044	293	9	act	act	VERB
ajoaa-2044	293	10	against	against	ADP
ajoaa-2044	293	11	saving	saving	NOUN
ajoaa-2044	293	12	,	,	PUNCT
ajoaa-2044	293	13	they	they	PRON
ajoaa-2044	293	14	are	be	AUX
ajoaa-2044	293	15	ill	ill	ADJ
ajoaa-2044	293	16	provided	provide	VERB
ajoaa-2044	293	17	for	for	ADP
ajoaa-2044	293	18	by	by	ADP
ajoaa-2044	293	19	demographic	demographic	ADJ
ajoaa-2044	293	20	factors	factor	NOUN
ajoaa-2044	293	21	such	such	ADJ
ajoaa-2044	293	22	as	as	ADP
ajoaa-2044	293	23	age	age	NOUN
ajoaa-2044	293	24	,	,	PUNCT
ajoaa-2044	293	25	marital	marital	ADJ
ajoaa-2044	293	26	and	and	CCONJ
ajoaa-2044	293	27	educational	educational	ADJ
ajoaa-2044	293	28	status	status	NOUN
ajoaa-2044	293	29	outside	outside	ADP
ajoaa-2044	293	30	those	those	PRON
ajoaa-2044	293	31	required	require	VERB
ajoaa-2044	293	32	by	by	ADP
ajoaa-2044	293	33	the	the	DET
ajoaa-2044	293	34	formal	formal	ADJ
ajoaa-2044	293	35	banking	banking	NOUN
ajoaa-2044	293	36	sector	sector	NOUN
ajoaa-2044	293	37	.	.	PUNCT
ajoaa-2044	294	1	the	the	DET
ajoaa-2044	294	2	chances	chance	NOUN
ajoaa-2044	294	3	of	of	ADP
ajoaa-2044	294	4	saving	saving	NOUN
ajoaa-2044	294	5	of	of	ADP
ajoaa-2044	294	6	an	an	DET
ajoaa-2044	294	7	educated	educate	VERB
ajoaa-2044	294	8	farmer	farmer	NOUN
ajoaa-2044	294	9	are	be	AUX
ajoaa-2044	294	10	higher	high	ADJ
ajoaa-2044	294	11	than	than	ADP
ajoaa-2044	294	12	those	those	PRON
ajoaa-2044	294	13	for	for	ADP
ajoaa-2044	294	14	a	a	DET
ajoaa-2044	294	15	farmer	farmer	NOUN
ajoaa-2044	294	16	without	without	ADP
ajoaa-2044	294	17	formal	formal	ADJ
ajoaa-2044	294	18	education	education	NOUN
ajoaa-2044	294	19	.	.	PUNCT
ajoaa-2044	295	1	these	these	DET
ajoaa-2044	295	2	factors	factor	NOUN
ajoaa-2044	295	3	affect	affect	VERB
ajoaa-2044	295	4	the	the	DET
ajoaa-2044	295	5	attitudes	attitude	NOUN
ajoaa-2044	295	6	farmers	farmer	NOUN
ajoaa-2044	295	7	have	have	VERB
ajoaa-2044	295	8	towards	towards	ADP
ajoaa-2044	295	9	formal	formal	ADJ
ajoaa-2044	295	10	financial	financial	ADJ
ajoaa-2044	295	11	institutions	institution	NOUN
ajoaa-2044	295	12	such	such	ADJ
ajoaa-2044	295	13	as	as	ADP
ajoaa-2044	295	14	commercial	commercial	ADJ
ajoaa-2044	295	15	banks	bank	NOUN
ajoaa-2044	295	16	but	but	CCONJ
ajoaa-2044	295	17	not	not	PART
ajoaa-2044	295	18	towards	towards	ADP
ajoaa-2044	295	19	saving	save	VERB
ajoaa-2044	295	20	.	.	PUNCT
ajoaa-2044	296	1	thus	thus	ADV
ajoaa-2044	296	2	they	they	PRON
ajoaa-2044	296	3	prefer	prefer	VERB
ajoaa-2044	296	4	alternative	alternative	ADJ
ajoaa-2044	296	5	avenues	avenue	NOUN
ajoaa-2044	296	6	for	for	ADP
ajoaa-2044	296	7	saving	save	VERB
ajoaa-2044	296	8	thus	thus	ADV
ajoaa-2044	296	9	they	they	PRON
ajoaa-2044	296	10	are	be	AUX
ajoaa-2044	296	11	in	in	ADP
ajoaa-2044	296	12	search	search	NOUN
ajoaa-2044	296	13	of	of	ADP
ajoaa-2044	296	14	alternative	alternative	ADJ
ajoaa-2044	296	15	methods	method	NOUN
ajoaa-2044	296	16	of	of	ADP
ajoaa-2044	296	17	saving	saving	NOUN
ajoaa-2044	296	18	.	.	PUNCT
ajoaa-2044	297	1	funding	funding	NOUN
ajoaa-2044	297	2	:	:	PUNCT
ajoaa-2044	297	3	this	this	DET
ajoaa-2044	297	4	study	study	NOUN
ajoaa-2044	297	5	did	do	AUX
ajoaa-2044	297	6	not	not	PART
ajoaa-2044	297	7	receive	receive	VERB
ajoaa-2044	297	8	any	any	DET
ajoaa-2044	297	9	specific	specific	ADJ
ajoaa-2044	297	10	financial	financial	ADJ
ajoaa-2044	297	11	support	support	NOUN
ajoaa-2044	297	12	.	.	PUNCT
ajoaa-2044	298	1	competing	compete	VERB
ajoaa-2044	298	2	interests	interest	NOUN
ajoaa-2044	298	3	:	:	PUNCT
ajoaa-2044	298	4	the	the	DET
ajoaa-2044	298	5	authors	author	NOUN
ajoaa-2044	298	6	declared	declare	VERB
ajoaa-2044	298	7	that	that	SCONJ
ajoaa-2044	298	8	they	they	PRON
ajoaa-2044	298	9	have	have	VERB
ajoaa-2044	298	10	no	no	DET
ajoaa-2044	298	11	conflict	conflict	NOUN
ajoaa-2044	298	12	of	of	ADP
ajoaa-2044	298	13	interests	interest	NOUN
ajoaa-2044	298	14	.	.	PUNCT
ajoaa-2044	299	1	contributors	contributor	NOUN
ajoaa-2044	299	2	/	/	SYM
ajoaa-2044	299	3	acknowledgement	acknowledgement	NOUN
ajoaa-2044	299	4	:	:	PUNCT
ajoaa-2044	299	5	all	all	DET
ajoaa-2044	299	6	authors	author	NOUN
ajoaa-2044	299	7	participated	participate	VERB
ajoaa-2044	299	8	equally	equally	ADV
ajoaa-2044	299	9	in	in	ADP
ajoaa-2044	299	10	designing	designing	NOUN
ajoaa-2044	299	11	and	and	CCONJ
ajoaa-2044	299	12	estimation	estimation	NOUN
ajoaa-2044	299	13	of	of	ADP
ajoaa-2044	299	14	current	current	ADJ
ajoaa-2044	299	15	research	research	NOUN
ajoaa-2044	299	16	.	.	PUNCT
ajoaa-2044	300	1	views	view	NOUN
ajoaa-2044	300	2	and	and	CCONJ
ajoaa-2044	300	3	opinions	opinion	NOUN
ajoaa-2044	300	4	expressed	express	VERB
ajoaa-2044	300	5	in	in	ADP
ajoaa-2044	300	6	this	this	DET
ajoaa-2044	300	7	study	study	NOUN
ajoaa-2044	300	8	are	be	AUX
ajoaa-2044	300	9	the	the	DET
ajoaa-2044	300	10	views	view	NOUN
ajoaa-2044	300	11	and	and	CCONJ
ajoaa-2044	300	12	opinions	opinion	NOUN
ajoaa-2044	300	13	of	of	ADP
ajoaa-2044	300	14	the	the	DET
ajoaa-2044	300	15	authors	author	NOUN
ajoaa-2044	300	16	,	,	PUNCT
ajoaa-2044	300	17	asian	asian	ADJ
ajoaa-2044	300	18	journal	journal	NOUN
ajoaa-2044	300	19	of	of	ADP
ajoaa-2044	300	20	agriculture	agriculture	NOUN
ajoaa-2044	300	21	and	and	CCONJ
ajoaa-2044	300	22	rural	rural	ADJ
ajoaa-2044	300	23	development	development	NOUN
ajoaa-2044	300	24	shall	shall	AUX
ajoaa-2044	300	25	not	not	PART
ajoaa-2044	300	26	be	be	AUX
ajoaa-2044	300	27	responsible	responsible	ADJ
ajoaa-2044	300	28	or	or	CCONJ
ajoaa-2044	300	29	answerable	answerable	ADJ
ajoaa-2044	300	30	for	for	ADP
ajoaa-2044	300	31	any	any	DET
ajoaa-2044	300	32	loss	loss	NOUN
ajoaa-2044	300	33	,	,	PUNCT
ajoaa-2044	300	34	damage	damage	NOUN
ajoaa-2044	300	35	or	or	CCONJ
ajoaa-2044	300	36	liability	liability	NOUN
ajoaa-2044	300	37	,	,	PUNCT
ajoaa-2044	300	38	etc	etc	X
ajoaa-2044	300	39	.	.	X
ajoaa-2044	300	40	caused	cause	VERB
ajoaa-2044	300	41	in	in	ADP
ajoaa-2044	300	42	relation	relation	NOUN
ajoaa-2044	300	43	to	to	PART
ajoaa-2044	300	44	/	/	PUNCT
ajoaa-2044	300	45	arising	arise	VERB
ajoaa-2044	300	46	out	out	ADP
ajoaa-2044	300	47	of	of	ADP
ajoaa-2044	300	48	the	the	DET
ajoaa-2044	300	49	use	use	NOUN
ajoaa-2044	300	50	of	of	ADP
ajoaa-2044	300	51	the	the	DET
ajoaa-2044	300	52	content	content	NOUN
ajoaa-2044	300	53	.	.	PUNCT
ajoaa-2044	301	1	references	reference	NOUN
ajoaa-2044	301	2	adedejebi	adedejebi	NOUN
ajoaa-2044	301	3	,	,	PUNCT
ajoaa-2044	301	4	o.	o.	NOUN
ajoaa-2044	301	5	(	(	PUNCT
ajoaa-2044	301	6	2019	2019	NUM
ajoaa-2044	301	7	)	)	PUNCT
ajoaa-2044	301	8	.	.	PUNCT
ajoaa-2044	302	1	determinants	determinant	NOUN
ajoaa-2044	302	2	of	of	ADP
ajoaa-2044	302	3	lending	lend	VERB
ajoaa-2044	302	4	to	to	ADP
ajoaa-2044	302	5	small	small	ADJ
ajoaa-2044	302	6	and	and	CCONJ
ajoaa-2044	302	7	medium	medium	ADJ
ajoaa-2044	302	8	enterprises	enterprise	NOUN
ajoaa-2044	302	9	by	by	ADP
ajoaa-2044	302	10	deposit	deposit	NOUN
ajoaa-2044	302	11	banks	bank	NOUN
ajoaa-2044	302	12	in	in	ADP
ajoaa-2044	302	13	nigeria	nigeria	PROPN
ajoaa-2044	302	14	.	.	PUNCT
ajoaa-2044	303	1	the	the	DET
ajoaa-2044	303	2	international	international	ADJ
ajoaa-2044	303	3	journal	journal	NOUN
ajoaa-2044	303	4	of	of	ADP
ajoaa-2044	303	5	business	business	PROPN
ajoaa-2044	303	6	&	&	CCONJ
ajoaa-2044	303	7	management	management	PROPN
ajoaa-2044	303	8	,	,	PUNCT
ajoaa-2044	303	9	7(3	7(3	NUM
ajoaa-2044	303	10	)	)	PUNCT
ajoaa-2044	303	11	,	,	PUNCT
ajoaa-2044	303	12	121	121	NUM
ajoaa-2044	303	13	-	-	SYM
ajoaa-2044	303	14	131	131	NUM
ajoaa-2044	303	15	.	.	PUNCT
ajoaa-2044	304	1	doi.org/10.24940/theijbm/2019/v7/i3/bm1903-029	doi.org/10.24940/theijbm/2019/v7/i3/bm1903-029	PROPN
ajoaa-2044	304	2	.	.	PUNCT
ajoaa-2044	304	3	adepoju	adepoju	PROPN
ajoaa-2044	304	4	,	,	PUNCT
ajoaa-2044	304	5	a.	a.	NOUN
ajoaa-2044	304	6	a.	a.	PROPN
ajoaa-2044	304	7	,	,	PUNCT
ajoaa-2044	304	8	&	&	CCONJ
ajoaa-2044	304	9	olapade	olapade	NOUN
ajoaa-2044	304	10	,	,	PUNCT
ajoaa-2044	304	11	o.	o.	PROPN
ajoaa-2044	304	12	f.	f.	PROPN
ajoaa-2044	304	13	(	(	PUNCT
ajoaa-2044	304	14	2015	2015	NUM
ajoaa-2044	304	15	)	)	PUNCT
ajoaa-2044	304	16	.	.	PUNCT
ajoaa-2044	305	1	effect	effect	NOUN
ajoaa-2044	305	2	of	of	ADP
ajoaa-2044	305	3	non	non	ADJ
ajoaa-2044	305	4	-	-	ADJ
ajoaa-2044	305	5	farm	farm	ADJ
ajoaa-2044	305	6	income	income	NOUN
ajoaa-2044	305	7	on	on	ADP
ajoaa-2044	305	8	poverty	poverty	NOUN
ajoaa-2044	305	9	status	status	NOUN
ajoaa-2044	305	10	among	among	ADP
ajoaa-2044	305	11	rural	rural	ADJ
ajoaa-2044	305	12	farmers	farmer	NOUN
ajoaa-2044	305	13	in	in	ADP
ajoaa-2044	305	14	southwest	southwest	PROPN
ajoaa-2044	305	15	nigeria	nigeria	PROPN
ajoaa-2044	305	16	.	.	PUNCT
ajoaa-2044	306	1	journal	journal	PROPN
ajoaa-2044	306	2	of	of	ADP
ajoaa-2044	306	3	hill	hill	PROPN
ajoaa-2044	306	4	agriculture	agriculture	PROPN
ajoaa-2044	306	5	,	,	PUNCT
ajoaa-2044	306	6	6(2	6(2	NUM
ajoaa-2044	306	7	)	)	PUNCT
ajoaa-2044	306	8	,	,	PUNCT
ajoaa-2044	306	9	197	197	NUM
ajoaa-2044	306	10	-	-	SYM
ajoaa-2044	306	11	201	201	NUM
ajoaa-2044	306	12	.	.	PUNCT
ajoaa-2044	307	1	doi.org/10.5958/2230-7338.2015.00043.9	doi.org/10.5958/2230-7338.2015.00043.9	NOUN
ajoaa-2044	307	2	.	.	PUNCT
ajoaa-2044	308	1	ademola	ademola	PROPN
ajoaa-2044	308	2	,	,	PUNCT
ajoaa-2044	308	3	a.	a.	NOUN
ajoaa-2044	308	4	a.	a.	PROPN
ajoaa-2044	308	5	,	,	PUNCT
ajoaa-2044	308	6	&	&	CCONJ
ajoaa-2044	308	7	abang	abang	PROPN
ajoaa-2044	308	8	,	,	PUNCT
ajoaa-2044	308	9	s.	s.	PROPN
ajoaa-2044	308	10	o.	o.	PROPN
ajoaa-2044	308	11	(	(	PUNCT
ajoaa-2044	308	12	2015	2015	NUM
ajoaa-2044	308	13	)	)	PUNCT
ajoaa-2044	308	14	.	.	PUNCT
ajoaa-2044	309	1	analysis	analysis	NOUN
ajoaa-2044	309	2	of	of	ADP
ajoaa-2044	309	3	poverty	poverty	NOUN
ajoaa-2044	309	4	status	status	NOUN
ajoaa-2044	309	5	of	of	ADP
ajoaa-2044	309	6	rural	rural	ADJ
ajoaa-2044	309	7	farm	farm	NOUN
ajoaa-2044	309	8	families	family	NOUN
ajoaa-2044	309	9	in	in	ADP
ajoaa-2044	309	10	akwa	akwa	ADJ
ajoaa-2044	309	11	ibom	ibom	ADJ
ajoaa-2044	309	12	state	state	NOUN
ajoaa-2044	309	13	,	,	PUNCT
ajoaa-2044	309	14	nigeria	nigeria	PROPN
ajoaa-2044	309	15	.	.	PUNCT
ajoaa-2044	310	1	global	global	ADJ
ajoaa-2044	310	2	journal	journal	PROPN
ajoaa-2044	310	3	of	of	ADP
ajoaa-2044	310	4	agricultural	agricultural	ADJ
ajoaa-2044	310	5	sciences	science	NOUN
ajoaa-2044	310	6	,	,	PUNCT
ajoaa-2044	310	7	14	14	NUM
ajoaa-2044	310	8	,	,	PUNCT
ajoaa-2044	310	9	45	45	NUM
ajoaa-2044	310	10	-	-	SYM
ajoaa-2044	310	11	50	50	NUM
ajoaa-2044	310	12	.	.	PUNCT
ajoaa-2044	311	1	doi.org/10.4314/gjass.v14i1.6	doi.org/10.4314/gjass.v14i1.6	PROPN
ajoaa-2044	311	2	.	.	PROPN
ajoaa-2044	311	3	aladejebi	aladejebi	PROPN
ajoaa-2044	311	4	,	,	PUNCT
ajoaa-2044	311	5	o.	o.	PROPN
ajoaa-2044	311	6	j.	j.	PROPN
ajoaa-2044	311	7	,	,	PUNCT
ajoaa-2044	311	8	omolehin	omolehin	PROPN
ajoaa-2044	311	9	,	,	PUNCT
ajoaa-2044	311	10	r.	r.	PROPN
ajoaa-2044	311	11	a.	a.	PROPN
ajoaa-2044	311	12	,	,	PUNCT
ajoaa-2044	311	13	ajiniran	ajiniran	ADJ
ajoaa-2044	311	14	,	,	PUNCT
ajoaa-2044	311	15	m.	m.	PROPN
ajoaa-2044	311	16	e.	e.	PROPN
ajoaa-2044	311	17	,	,	PUNCT
ajoaa-2044	311	18	&	&	CCONJ
ajoaa-2044	311	19	ajakpovi	ajakpovi	PROPN
ajoaa-2044	311	20	,	,	PUNCT
ajoaa-2044	311	21	a.	a.	NOUN
ajoaa-2044	311	22	p.	p.	NOUN
ajoaa-2044	311	23	(	(	PUNCT
ajoaa-2044	311	24	2018	2018	NUM
ajoaa-2044	311	25	)	)	PUNCT
ajoaa-2044	311	26	.	.	PUNCT
ajoaa-2044	312	1	determinants	determinant	NOUN
ajoaa-2044	312	2	of	of	ADP
ajoaa-2044	312	3	credit	credit	NOUN
ajoaa-2044	312	4	acquisition	acquisition	NOUN
ajoaa-2044	312	5	and	and	CCONJ
ajoaa-2044	312	6	utilization	utilization	NOUN
ajoaa-2044	312	7	among	among	ADP
ajoaa-2044	312	8	household	household	NOUN
ajoaa-2044	312	9	farmers	farmer	NOUN
ajoaa-2044	312	10	in	in	ADP
ajoaa-2044	312	11	the	the	DET
ajoaa-2044	312	12	drive	drive	NOUN
ajoaa-2044	312	13	towards	towards	ADP
ajoaa-2044	312	14	sustainable	sustainable	ADJ
ajoaa-2044	312	15	asian	asian	ADJ
ajoaa-2044	312	16	journal	journal	NOUN
ajoaa-2044	312	17	of	of	ADP
ajoaa-2044	312	18	agriculture	agriculture	NOUN
ajoaa-2044	312	19	and	and	CCONJ
ajoaa-2044	312	20	rural	rural	ADJ
ajoaa-2044	312	21	development	development	NOUN
ajoaa-2044	312	22	,	,	PUNCT
ajoaa-2044	312	23	10(1)2020	10(1)2020	NUM
ajoaa-2044	312	24	:	:	PUNCT
ajoaa-2044	312	25	406	406	NUM
ajoaa-2044	312	26	-	-	SYM
ajoaa-2044	312	27	419	419	NUM
ajoaa-2044	312	28	418	418	NUM
ajoaa-2044	312	29	output	output	NOUN
ajoaa-2044	312	30	in	in	ADP
ajoaa-2044	312	31	ekiti	ekiti	PROPN
ajoaa-2044	312	32	state	state	PROPN
ajoaa-2044	312	33	,	,	PUNCT
ajoaa-2044	312	34	nigeria	nigeria	PROPN
ajoaa-2044	312	35	.	.	PUNCT
ajoaa-2044	313	1	oida	oida	PROPN
ajoaa-2044	313	2	international	international	PROPN
ajoaa-2044	313	3	journal	journal	PROPN
ajoaa-2044	313	4	of	of	ADP
ajoaa-2044	313	5	sustainable	sustainable	ADJ
ajoaa-2044	313	6	development	development	NOUN
ajoaa-2044	313	7	,	,	PUNCT
ajoaa-2044	313	8	11(9	11(9	PROPN
ajoaa-2044	313	9	)	)	PUNCT
ajoaa-2044	313	10	,	,	PUNCT
ajoaa-2044	313	11	25	25	NUM
ajoaa-2044	313	12	-	-	SYM
ajoaa-2044	313	13	36	36	NUM
ajoaa-2044	313	14	.	.	PUNCT
ajoaa-2044	314	1	albu	albu	PROPN
ajoaa-2044	314	2	,	,	PUNCT
ajoaa-2044	314	3	m.	m.	NOUN
ajoaa-2044	314	4	,	,	PUNCT
ajoaa-2044	314	5	&	&	CCONJ
ajoaa-2044	314	6	scott	scott	PROPN
ajoaa-2044	314	7	,	,	PUNCT
ajoaa-2044	314	8	a.	a.	NOUN
ajoaa-2044	314	9	(	(	PUNCT
ajoaa-2044	314	10	2001	2001	NUM
ajoaa-2044	314	11	)	)	PUNCT
ajoaa-2044	314	12	.	.	PUNCT
ajoaa-2044	315	1	understanding	understand	VERB
ajoaa-2044	315	2	livelihoods	livelihood	VERB
ajoaa-2044	315	3	that	that	PRON
ajoaa-2044	315	4	inve	inve	VERB
ajoaa-2044	315	5	micro	micro	NOUN
ajoaa-2044	315	6	-	-	NOUN
ajoaa-2044	315	7	enterprise	enterprise	NOUN
ajoaa-2044	315	8	:	:	PUNCT
ajoaa-2044	315	9	markets	market	NOUN
ajoaa-2044	315	10	,	,	PUNCT
ajoaa-2044	315	11	and	and	CCONJ
ajoaa-2044	315	12	technological	technological	ADJ
ajoaa-2044	315	13	capacities	capacity	NOUN
ajoaa-2044	315	14	in	in	ADP
ajoaa-2044	315	15	the	the	DET
ajoaa-2044	315	16	sl	sl	NOUN
ajoaa-2044	315	17	framework	framework	NOUN
ajoaa-2044	315	18	,	,	PUNCT
ajoaa-2044	315	19	intermediate	intermediate	ADJ
ajoaa-2044	315	20	technology	technology	NOUN
ajoaa-2044	315	21	development	development	NOUN
ajoaa-2044	315	22	ground	ground	NOUN
ajoaa-2044	315	23	war	war	NOUN
ajoaa-2044	315	24	wickshire	wickshire	NOUN
ajoaa-2044	315	25	.	.	PUNCT
ajoaa-2044	316	1	intermediate	intermediate	ADJ
ajoaa-2044	316	2	technology	technology	PROPN
ajoaa-2044	316	3	development	development	NOUN
ajoaa-2044	316	4	group	group	NOUN
ajoaa-2044	316	5	practical	practical	ADJ
ajoaa-2044	316	6	answers	answer	NOUN
ajoaa-2044	316	7	to	to	ADP
ajoaa-2044	316	8	poverty	poverty	NOUN
ajoaa-2044	316	9	.	.	PUNCT
ajoaa-2044	317	1	retrieved	retrieve	VERB
ajoaa-2044	317	2	from	from	ADP
ajoaa-2044	317	3	https://www.microfinancegateway.org	https://www.microfinancegateway.org	PROPN
ajoaa-2044	317	4	.	.	PUNCT
ajoaa-2044	318	1	ali	ali	PROPN
ajoaa-2044	318	2	,	,	PUNCT
ajoaa-2044	318	3	a.	a.	PROPN
ajoaa-2044	318	4	,	,	PUNCT
ajoaa-2044	318	5	rahman	rahman	PROPN
ajoaa-2044	318	6	,	,	PUNCT
ajoaa-2044	318	7	m.	m.	NOUN
ajoaa-2044	318	8	s.	s.	PROPN
ajoaa-2044	318	9	,	,	PUNCT
ajoaa-2044	318	10	&	&	CCONJ
ajoaa-2044	318	11	bakar	bakar	PROPN
ajoaa-2044	318	12	,	,	PUNCT
ajoaa-2044	318	13	a.	a.	NOUN
ajoaa-2044	318	14	(	(	PUNCT
ajoaa-2044	318	15	2015	2015	NUM
ajoaa-2044	318	16	)	)	PUNCT
ajoaa-2044	318	17	.	.	PUNCT
ajoaa-2044	319	1	financial	financial	ADJ
ajoaa-2044	319	2	satisfaction	satisfaction	NOUN
ajoaa-2044	319	3	and	and	CCONJ
ajoaa-2044	319	4	the	the	DET
ajoaa-2044	319	5	influence	influence	NOUN
ajoaa-2044	319	6	of	of	ADP
ajoaa-2044	319	7	financial	financial	ADJ
ajoaa-2044	319	8	literacy	literacy	NOUN
ajoaa-2044	319	9	in	in	ADP
ajoaa-2044	319	10	malaysia	malaysia	PROPN
ajoaa-2044	319	11	.	.	PUNCT
ajoaa-2044	320	1	social	social	ADJ
ajoaa-2044	320	2	indicator	indicator	PROPN
ajoaa-2044	320	3	research	research	NOUN
ajoaa-2044	320	4	,	,	PUNCT
ajoaa-2044	320	5	120(1	120(1	NUM
ajoaa-2044	320	6	)	)	PUNCT
ajoaa-2044	320	7	,	,	PUNCT
ajoaa-2044	320	8	137	137	NUM
ajoaa-2044	320	9	-	-	SYM
ajoaa-2044	320	10	156	156	NUM
ajoaa-2044	320	11	.	.	PUNCT
ajoaa-2044	320	12	retrieved	retrieve	VERB
ajoaa-2044	320	13	from	from	ADP
ajoaa-2044	320	14	https://link.springer.com/article/10.1007/s11205-014-0583-0	https://link.springer.com/article/10.1007/s11205-014-0583-0	PROPN
ajoaa-2044	320	15	.	.	PUNCT
ajoaa-2044	321	1	anang	anang	PROPN
ajoaa-2044	321	2	,	,	PUNCT
ajoaa-2044	321	3	b.	b.	PROPN
ajoaa-2044	321	4	t.	t.	PROPN
ajoaa-2044	321	5	,	,	PUNCT
ajoaa-2044	321	6	dawuda	dawuda	PROPN
ajoaa-2044	321	7	,	,	PUNCT
ajoaa-2044	321	8	i.	i.	PROPN
ajoaa-2044	321	9	,	,	PUNCT
ajoaa-2044	321	10	&	&	CCONJ
ajoaa-2044	321	11	imoro	imoro	PROPN
ajoaa-2044	321	12	,	,	PUNCT
ajoaa-2044	321	13	l.	l.	PROPN
ajoaa-2044	321	14	(	(	PUNCT
ajoaa-2044	321	15	2015	2015	NUM
ajoaa-2044	321	16	)	)	PUNCT
ajoaa-2044	321	17	.	.	PUNCT
ajoaa-2044	322	1	determinants	determinant	NOUN
ajoaa-2044	322	2	of	of	ADP
ajoaa-2044	322	3	savings	saving	NOUN
ajoaa-2044	322	4	habit	habit	NOUN
ajoaa-2044	322	5	among	among	ADP
ajoaa-2044	322	6	clients	client	NOUN
ajoaa-2044	322	7	bonzali	bonzali	ADJ
ajoaa-2044	322	8	rural	rural	ADJ
ajoaa-2044	322	9	bank	bank	NOUN
ajoaa-2044	322	10	in	in	ADP
ajoaa-2044	322	11	the	the	DET
ajoaa-2044	322	12	tolon	tolon	NOUN
ajoaa-2044	322	13	-	-	PUNCT
ajoaa-2044	322	14	kumbungu	kumbungu	ADJ
ajoaa-2044	322	15	district	district	NOUN
ajoaa-2044	322	16	of	of	ADP
ajoaa-2044	322	17	ghana	ghana	PROPN
ajoaa-2044	322	18	.	.	PUNCT
ajoaa-2044	323	1	uds	uds	PROPN
ajoaa-2044	323	2	international	international	PROPN
ajoaa-2044	323	3	journal	journal	PROPN
ajoaa-2044	323	4	of	of	ADP
ajoaa-2044	323	5	development	development	NOUN
ajoaa-2044	323	6	,	,	PUNCT
ajoaa-2044	323	7	2(2	2(2	NUM
ajoaa-2044	323	8	)	)	PUNCT
ajoaa-2044	323	9	,	,	PUNCT
ajoaa-2044	323	10	88	88	NUM
ajoaa-2044	323	11	-	-	SYM
ajoaa-2044	323	12	97	97	NUM
ajoaa-2044	323	13	.	.	PUNCT
ajoaa-2044	324	1	anderson	anderson	PROPN
ajoaa-2044	324	2	,	,	PUNCT
ajoaa-2044	324	3	a.	a.	PROPN
ajoaa-2044	324	4	,	,	PUNCT
ajoaa-2044	324	5	marita	marita	PROPN
ajoaa-2044	324	6	,	,	PUNCT
ajoaa-2044	324	7	c.	c.	PROPN
ajoaa-2044	324	8	,	,	PUNCT
ajoaa-2044	324	9	musiime	musiime	PROPN
ajoaa-2044	324	10	,	,	PUNCT
ajoaa-2044	324	11	d.	d.	PROPN
ajoaa-2044	324	12	,	,	PUNCT
ajoaa-2044	324	13	&	&	CCONJ
ajoaa-2044	324	14	thiam	thiam	PROPN
ajoaa-2044	324	15	,	,	PUNCT
ajoaa-2044	324	16	m.	m.	NOUN
ajoaa-2044	324	17	(	(	PUNCT
ajoaa-2044	324	18	2017	2017	NUM
ajoaa-2044	324	19	)	)	PUNCT
ajoaa-2044	324	20	.	.	PUNCT
ajoaa-2044	325	1	national	national	ADJ
ajoaa-2044	325	2	survey	survey	NOUN
ajoaa-2044	325	3	and	and	CCONJ
ajoaa-2044	325	4	segmentation	segmentation	NOUN
ajoaa-2044	325	5	of	of	ADP
ajoaa-2044	325	6	smallholder	smallholder	NOUN
ajoaa-2044	325	7	households	household	NOUN
ajoaa-2044	325	8	in	in	ADP
ajoaa-2044	325	9	nigeria	nigeria	PRON
ajoaa-2044	325	10	:	:	PUNCT
ajoaa-2044	325	11	understanding	understand	VERB
ajoaa-2044	325	12	their	their	PRON
ajoaa-2044	325	13	demand	demand	NOUN
ajoaa-2044	325	14	for	for	ADP
ajoaa-2044	325	15	financial	financial	ADJ
ajoaa-2044	325	16	,	,	PUNCT
ajoaa-2044	325	17	agricultural	agricultural	ADJ
ajoaa-2044	325	18	,	,	PUNCT
ajoaa-2044	325	19	and	and	CCONJ
ajoaa-2044	325	20	digital	digital	ADJ
ajoaa-2044	325	21	solutions	solution	NOUN
ajoaa-2044	325	22	.	.	PUNCT
ajoaa-2044	326	1	cgap	cgap	PROPN
ajoaa-2044	326	2	working	working	PROPN
ajoaa-2044	326	3	paper	paper	NOUN
ajoaa-2044	326	4	.	.	PUNCT
ajoaa-2044	327	1	retrieved	retrieve	VERB
ajoaa-2044	327	2	from	from	ADP
ajoaa-2044	327	3	https://www.cgap.org/sites/default/files/working-paper-survey+segmentation-ofsmallholders-nigeria-oct-2017.pdf	https://www.cgap.org/sites/default/files/working-paper-survey+segmentation-ofsmallholders-nigeria-oct-2017.pdf	PROPN
ajoaa-2044	327	4	anik	anik	PROPN
ajoaa-2044	327	5	,	,	PUNCT
ajoaa-2044	327	6	a.	a.	PROPN
ajoaa-2044	327	7	r.	r.	PROPN
ajoaa-2044	327	8	,	,	PUNCT
ajoaa-2044	327	9	rahman	rahman	PROPN
ajoaa-2044	327	10	,	,	PUNCT
ajoaa-2044	327	11	s.	s.	PROPN
ajoaa-2044	327	12	,	,	PUNCT
ajoaa-2044	327	13	&	&	CCONJ
ajoaa-2044	327	14	sarker	sarker	PROPN
ajoaa-2044	327	15	,	,	PUNCT
ajoaa-2044	327	16	j.	j.	PROPN
ajoaa-2044	327	17	r.	r.	PROPN
ajoaa-2044	327	18	(	(	PUNCT
ajoaa-2044	327	19	2017	2017	NUM
ajoaa-2044	327	20	)	)	PUNCT
ajoaa-2044	327	21	.	.	PUNCT
ajoaa-2044	328	1	agricultural	agricultural	ADJ
ajoaa-2044	328	2	productivity	productivity	NOUN
ajoaa-2044	328	3	growth	growth	NOUN
ajoaa-2044	328	4	and	and	CCONJ
ajoaa-2044	328	5	the	the	DET
ajoaa-2044	328	6	role	role	NOUN
ajoaa-2044	328	7	of	of	ADP
ajoaa-2044	328	8	in	in	ADP
ajoaa-2044	328	9	south	south	PROPN
ajoaa-2044	328	10	asia	asia	PROPN
ajoaa-2044	328	11	(	(	PUNCT
ajoaa-2044	328	12	1980	1980	NUM
ajoaa-2044	328	13	-	-	SYM
ajoaa-2044	328	14	2013	2013	NUM
ajoaa-2044	328	15	)	)	PUNCT
ajoaa-2044	328	16	.	.	PUNCT
ajoaa-2044	329	1	sustainability	sustainability	NOUN
ajoaa-2044	329	2	,	,	PUNCT
ajoaa-2044	329	3	9(3	9(3	NUM
ajoaa-2044	329	4	)	)	PUNCT
ajoaa-2044	329	5	,	,	PUNCT
ajoaa-2044	329	6	1	1	NUM
ajoaa-2044	329	7	-	-	SYM
ajoaa-2044	329	8	24	24	NUM
ajoaa-2044	329	9	.	.	PUNCT
ajoaa-2044	330	1	doi.org/10.3390/su9030470	doi.org/10.3390/su9030470	PROPN
ajoaa-2044	330	2	.	.	PROPN
ajoaa-2044	330	3	arifin	arifin	PROPN
ajoaa-2044	330	4	,	,	PUNCT
ajoaa-2044	330	5	a.	a.	PROPN
ajoaa-2044	330	6	z.	z.	PROPN
ajoaa-2044	330	7	(	(	PUNCT
ajoaa-2044	330	8	2018	2018	NUM
ajoaa-2044	330	9	)	)	PUNCT
ajoaa-2044	330	10	.	.	PUNCT
ajoaa-2044	331	1	influence	influence	NOUN
ajoaa-2044	331	2	factors	factor	NOUN
ajoaa-2044	331	3	toward	toward	ADP
ajoaa-2044	331	4	financial	financial	ADJ
ajoaa-2044	331	5	satisfaction	satisfaction	NOUN
ajoaa-2044	331	6	with	with	ADP
ajoaa-2044	331	7	financial	financial	ADJ
ajoaa-2044	331	8	behavior	behavior	NOUN
ajoaa-2044	331	9	as	as	ADP
ajoaa-2044	331	10	intervening	intervene	VERB
ajoaa-2044	331	11	variable	variable	NOUN
ajoaa-2044	331	12	on	on	ADP
ajoaa-2044	331	13	jakarta	jakarta	PROPN
ajoaa-2044	331	14	area	area	PROPN
ajoaa-2044	331	15	workforce	workforce	PROPN
ajoaa-2044	331	16	.	.	PUNCT
ajoaa-2044	332	1	european	european	PROPN
ajoaa-2044	332	2	research	research	PROPN
ajoaa-2044	332	3	journal	journal	PROPN
ajoaa-2044	332	4	,	,	PUNCT
ajoaa-2044	332	5	21(1	21(1	NUM
ajoaa-2044	332	6	)	)	PUNCT
ajoaa-2044	332	7	,	,	PUNCT
ajoaa-2044	332	8	90	90	NUM
ajoaa-2044	332	9	-	-	SYM
ajoaa-2044	332	10	103	103	NUM
ajoaa-2044	332	11	.	.	PUNCT
ajoaa-2044	332	12	doi.org/10.35808/ersj/932	doi.org/10.35808/ersj/932	VERB
ajoaa-2044	332	13	.	.	PUNCT
ajoaa-2044	333	1	arikpo	arikpo	PROPN
ajoaa-2044	333	2	,	,	PUNCT
ajoaa-2044	333	3	d.	d.	PROPN
ajoaa-2044	333	4	i.	i.	PROPN
ajoaa-2044	333	5	,	,	PUNCT
ajoaa-2044	333	6	eke	eke	ADJ
ajoaa-2044	333	7	,	,	PUNCT
ajoaa-2044	333	8	f.	f.	PROPN
ajoaa-2044	333	9	a.	a.	PROPN
ajoaa-2044	333	10	,	,	PUNCT
ajoaa-2044	333	11	&	&	CCONJ
ajoaa-2044	333	12	obafemi	obafemi	PROPN
ajoaa-2044	333	13	,	,	PUNCT
ajoaa-2044	333	14	f.	f.	PROPN
ajoaa-2044	333	15	n.	n.	PROPN
ajoaa-2044	333	16	(	(	PUNCT
ajoaa-2044	333	17	2019	2019	NUM
ajoaa-2044	333	18	)	)	PUNCT
ajoaa-2044	333	19	.	.	PUNCT
ajoaa-2044	334	1	determinants	determinant	NOUN
ajoaa-2044	334	2	of	of	ADP
ajoaa-2044	334	3	life	life	NOUN
ajoaa-2044	334	4	expectancy	expectancy	NOUN
ajoaa-2044	334	5	in	in	ADP
ajoaa-2044	334	6	nigeria	nigeria	PROPN
ajoaa-2044	334	7	:	:	PUNCT
ajoaa-2044	334	8	a	a	DET
ajoaa-2044	334	9	macroeconomic	macroeconomic	ADJ
ajoaa-2044	334	10	analysis	analysis	NOUN
ajoaa-2044	334	11	.	.	PUNCT
ajoaa-2044	335	1	international	international	ADJ
ajoaa-2044	335	2	journal	journal	NOUN
ajoaa-2044	335	3	of	of	ADP
ajoaa-2044	335	4	social	social	ADJ
ajoaa-2044	335	5	science	science	NOUN
ajoaa-2044	335	6	and	and	CCONJ
ajoaa-2044	335	7	economic	economic	ADJ
ajoaa-2044	335	8	research	research	NOUN
ajoaa-2044	335	9	,	,	PUNCT
ajoaa-2044	335	10	4(4	4(4	NUM
ajoaa-2044	335	11	)	)	PUNCT
ajoaa-2044	335	12	,	,	PUNCT
ajoaa-2044	335	13	2722	2722	NUM
ajoaa-2044	335	14	-	-	SYM
ajoaa-2044	335	15	2749	2749	NUM
ajoaa-2044	335	16	.	.	PUNCT
ajoaa-2044	336	1	chauke	chauke	NOUN
ajoaa-2044	336	2	,	,	PUNCT
ajoaa-2044	336	3	p.	p.	PROPN
ajoaa-2044	336	4	k.	k.	PROPN
ajoaa-2044	336	5	,	,	PUNCT
ajoaa-2044	336	6	motlhatlhana	motlhatlhana	PROPN
ajoaa-2044	336	7	,	,	PUNCT
ajoaa-2044	336	8	m.	m.	PROPN
ajoaa-2044	336	9	l.	l.	PROPN
ajoaa-2044	336	10	,	,	PUNCT
ajoaa-2044	336	11	pfumayaamba	pfumayaamba	PROPN
ajoaa-2044	336	12	,	,	PUNCT
ajoaa-2044	336	13	t.	t.	PROPN
ajoaa-2044	336	14	k.	k.	PROPN
ajoaa-2044	336	15	,	,	PUNCT
ajoaa-2044	336	16	&	&	CCONJ
ajoaa-2044	336	17	anim	anim	PROPN
ajoaa-2044	336	18	,	,	PUNCT
ajoaa-2044	336	19	f.	f.	PROPN
ajoaa-2044	336	20	d.	d.	PROPN
ajoaa-2044	336	21	k.	k.	PROPN
ajoaa-2044	337	1	(	(	PUNCT
ajoaa-2044	337	2	2013	2013	NUM
ajoaa-2044	337	3	)	)	PUNCT
ajoaa-2044	337	4	.	.	PUNCT
ajoaa-2044	338	1	factors	factor	NOUN
ajoaa-2044	338	2	influencing	influence	VERB
ajoaa-2044	338	3	access	access	NOUN
ajoaa-2044	338	4	to	to	ADP
ajoaa-2044	338	5	credit	credit	NOUN
ajoaa-2044	338	6	:	:	PUNCT
ajoaa-2044	338	7	a	a	DET
ajoaa-2044	338	8	case	case	NOUN
ajoaa-2044	338	9	study	study	NOUN
ajoaa-2044	338	10	of	of	ADP
ajoaa-2044	338	11	smallholder	smallholder	NOUN
ajoaa-2044	338	12	farmers	farmer	NOUN
ajoaa-2044	338	13	in	in	ADP
ajoaa-2044	338	14	the	the	DET
ajoaa-2044	338	15	capricorn	capricorn	PROPN
ajoaa-2044	338	16	district	district	PROPN
ajoaa-2044	338	17	of	of	ADP
ajoaa-2044	338	18	south	south	PROPN
ajoaa-2044	338	19	africa	africa	PROPN
ajoaa-2044	338	20	.	.	PUNCT
ajoaa-2044	339	1	african	african	ADJ
ajoaa-2044	339	2	journal	journal	PROPN
ajoaa-2044	339	3	of	of	ADP
ajoaa-2044	339	4	agricultural	agricultural	ADJ
ajoaa-2044	339	5	research	research	NOUN
ajoaa-2044	339	6	,	,	PUNCT
ajoaa-2044	339	7	8(7	8(7	NUM
ajoaa-2044	339	8	)	)	PUNCT
ajoaa-2044	339	9	,	,	PUNCT
ajoaa-2044	339	10	582	582	NUM
ajoaa-2044	339	11	-	-	SYM
ajoaa-2044	339	12	585	585	NUM
ajoaa-2044	339	13	fadeyi	fadeyi	NOUN
ajoaa-2044	339	14	,	,	PUNCT
ajoaa-2044	339	15	o.	o.	NOUN
ajoaa-2044	339	16	a.	a.	NOUN
ajoaa-2044	339	17	(	(	PUNCT
ajoaa-2044	339	18	2018	2018	NUM
ajoaa-2044	339	19	)	)	PUNCT
ajoaa-2044	339	20	.	.	PUNCT
ajoaa-2044	340	1	smallholder	smallholder	NOUN
ajoaa-2044	340	2	agricultural	agricultural	ADJ
ajoaa-2044	340	3	finance	finance	NOUN
ajoaa-2044	340	4	in	in	ADP
ajoaa-2044	340	5	nigeria	nigeria	PROPN
ajoaa-2044	340	6	:	:	PUNCT
ajoaa-2044	340	7	the	the	DET
ajoaa-2044	340	8	research	research	NOUN
ajoaa-2044	340	9	gap	gap	NOUN
ajoaa-2044	340	10	.	.	PUNCT
ajoaa-2044	341	1	journal	journal	PROPN
ajoaa-2044	341	2	of	of	ADP
ajoaa-2044	341	3	development	development	NOUN
ajoaa-2044	341	4	and	and	CCONJ
ajoaa-2044	341	5	agricultural	agricultural	ADJ
ajoaa-2044	341	6	economics	economic	NOUN
ajoaa-2044	341	7	,	,	PUNCT
ajoaa-2044	341	8	10(11	10(11	NUM
ajoaa-2044	341	9	)	)	PUNCT
ajoaa-2044	341	10	,	,	PUNCT
ajoaa-2044	341	11	367	367	NUM
ajoaa-2044	341	12	-	-	SYM
ajoaa-2044	341	13	376	376	NUM
ajoaa-2044	341	14	.	.	PUNCT
ajoaa-2044	342	1	ferrante	ferrante	PROPN
ajoaa-2044	342	2	,	,	PUNCT
ajoaa-2044	342	3	f.	f.	PROPN
ajoaa-2044	342	4	,	,	PUNCT
ajoaa-2044	342	5	&	&	CCONJ
ajoaa-2044	342	6	sabatini	sabatini	PROPN
ajoaa-2044	342	7	,	,	PUNCT
ajoaa-2044	342	8	f.	f.	PROPN
ajoaa-2044	342	9	(	(	PUNCT
ajoaa-2044	342	10	2007	2007	NUM
ajoaa-2044	342	11	)	)	PUNCT
ajoaa-2044	342	12	.	.	PUNCT
ajoaa-2044	343	1	education	education	NOUN
ajoaa-2044	343	2	,	,	PUNCT
ajoaa-2044	343	3	social	social	ADJ
ajoaa-2044	343	4	capital	capital	NOUN
ajoaa-2044	343	5	and	and	CCONJ
ajoaa-2044	343	6	entrepreneurial	entrepreneurial	ADJ
ajoaa-2044	343	7	selection	selection	NOUN
ajoaa-2044	343	8	in	in	ADP
ajoaa-2044	343	9	italy	italy	PROPN
ajoaa-2044	343	10	.	.	PUNCT
ajoaa-2044	344	1	mpra	mpra	PROPN
ajoaa-2044	344	2	paper	paper	PROPN
ajoaa-2044	344	3	no	no	PROPN
ajoaa-2044	344	4	.	.	PROPN
ajoaa-2044	344	5	2451	2451	NUM
ajoaa-2044	344	6	.	.	PUNCT
ajoaa-2044	345	1	retrieved	retrieve	VERB
ajoaa-2044	345	2	from	from	ADP
ajoaa-2044	345	3	http://mpra.ub.uni-muenchen.de/2451/mpra	http://mpra.ub.uni-muenchen.de/2451/mpra	PROPN
ajoaa-2044	345	4	.	.	PUNCT
ajoaa-2044	346	1	furnham	furnham	PROPN
ajoaa-2044	346	2	,	,	PUNCT
ajoaa-2044	346	3	a.	a.	NOUN
ajoaa-2044	346	4	(	(	PUNCT
ajoaa-2044	346	5	1999	1999	NUM
ajoaa-2044	346	6	)	)	PUNCT
ajoaa-2044	346	7	.	.	PUNCT
ajoaa-2044	347	1	spending	spending	NOUN
ajoaa-2044	347	2	and	and	CCONJ
ajoaa-2044	347	3	saving	save	VERB
ajoaa-2044	347	4	attitudes	attitude	NOUN
ajoaa-2044	347	5	and	and	CCONJ
ajoaa-2044	347	6	behaviors	behavior	NOUN
ajoaa-2044	347	7	questionnaire	questionnaire	NOUN
ajoaa-2044	347	8	.	.	PUNCT
ajoaa-2044	348	1	retrieved	retrieve	VERB
ajoaa-2044	348	2	from	from	ADP
ajoaa-2044	348	3	https://is.cuni.cz/webapps/zzp/download/130141120	https://is.cuni.cz/webapps/zzp/download/130141120	ADJ
ajoaa-2044	348	4	.	.	PUNCT
ajoaa-2044	349	1	gerharda	gerharda	PROPN
ajoaa-2044	349	2	,	,	PUNCT
ajoaa-2044	349	3	p.	p.	PROPN
ajoaa-2044	349	4	,	,	PUNCT
ajoaa-2044	349	5	gladstonec	gladstonec	PROPN
ajoaa-2044	349	6	,	,	PUNCT
ajoaa-2044	349	7	j.	j.	PROPN
ajoaa-2044	349	8	j.	j.	PROPN
ajoaa-2044	349	9	,	,	PUNCT
ajoaa-2044	349	10	&	&	CCONJ
ajoaa-2044	349	11	hoffmann	hoffmann	PROPN
ajoaa-2044	349	12	,	,	PUNCT
ajoaa-2044	349	13	a.	a.	NOUN
ajoaa-2044	349	14	o.	o.	NOUN
ajoaa-2044	349	15	(	(	PUNCT
ajoaa-2044	349	16	2018	2018	NUM
ajoaa-2044	349	17	)	)	PUNCT
ajoaa-2044	349	18	.	.	PUNCT
ajoaa-2044	350	1	psychological	psychological	ADJ
ajoaa-2044	350	2	characteristics	characteristic	NOUN
ajoaa-2044	350	3	and	and	CCONJ
ajoaa-2044	350	4	household	household	NOUN
ajoaa-2044	350	5	savings	saving	NOUN
ajoaa-2044	350	6	behavior	behavior	NOUN
ajoaa-2044	350	7	:	:	PUNCT
ajoaa-2044	350	8	the	the	DET
ajoaa-2044	350	9	importance	importance	NOUN
ajoaa-2044	350	10	of	of	ADP
ajoaa-2044	350	11	accounting	account	VERB
ajoaa-2044	350	12	for	for	ADP
ajoaa-2044	350	13	latent	latent	NOUN
ajoaa-2044	350	14	heterogeneity	heterogeneity	NOUN
ajoaa-2044	350	15	.	.	PUNCT
ajoaa-2044	351	1	journal	journal	NOUN
ajoaa-2044	351	2	of	of	ADP
ajoaa-2044	351	3	economic	economic	ADJ
ajoaa-2044	351	4	behaviour	behaviour	NOUN
ajoaa-2044	351	5	and	and	CCONJ
ajoaa-2044	351	6	organization	organization	NOUN
ajoaa-2044	351	7	,	,	PUNCT
ajoaa-2044	351	8	148	148	NUM
ajoaa-2044	351	9	,	,	PUNCT
ajoaa-2044	351	10	66	66	NUM
ajoaa-2044	351	11	-	-	SYM
ajoaa-2044	351	12	82	82	NUM
ajoaa-2044	351	13	.	.	PUNCT
ajoaa-2044	352	1	ghafoor	ghafoor	PROPN
ajoaa-2044	352	2	,	,	PUNCT
ajoaa-2044	352	3	a.	a.	PROPN
ajoaa-2044	352	4	,	,	PUNCT
ajoaa-2044	352	5	hussain	hussain	PROPN
ajoaa-2044	352	6	,	,	PUNCT
ajoaa-2044	352	7	m.	m.	NOUN
ajoaa-2044	352	8	,	,	PUNCT
ajoaa-2044	352	9	naseer	naseer	PROPN
ajoaa-2044	352	10	,	,	PUNCT
ajoaa-2044	352	11	h.	h.	NOUN
ajoaa-2044	352	12	,	,	PUNCT
ajoaa-2044	352	13	ishaque	ishaque	ADJ
ajoaa-2044	352	14	,	,	PUNCT
ajoaa-2044	352	15	m.	m.	NOUN
ajoaa-2044	352	16	,	,	PUNCT
ajoaa-2044	352	17	&	&	CCONJ
ajoaa-2044	352	18	baloch	baloch	PROPN
ajoaa-2044	352	19	,	,	PUNCT
ajoaa-2044	352	20	m.	m.	NOUN
ajoaa-2044	352	21	h.	h.	PROPN
ajoaa-2044	352	22	(	(	PUNCT
ajoaa-2044	352	23	2010	2010	NUM
ajoaa-2044	352	24	)	)	PUNCT
ajoaa-2044	352	25	.	.	PUNCT
ajoaa-2044	353	1	factors	factor	NOUN
ajoaa-2044	353	2	affecting	affect	VERB
ajoaa-2044	353	3	income	income	NOUN
ajoaa-2044	353	4	and	and	CCONJ
ajoaa-2044	353	5	saving	saving	NOUN
ajoaa-2044	353	6	of	of	ADP
ajoaa-2044	353	7	small	small	ADJ
ajoaa-2044	353	8	farming	farming	NOUN
ajoaa-2044	353	9	households	household	NOUN
ajoaa-2044	353	10	in	in	ADP
ajoaa-2044	353	11	sargodha	sargodha	PROPN
ajoaa-2044	353	12	district	district	PROPN
ajoaa-2044	353	13	of	of	ADP
ajoaa-2044	353	14	the	the	DET
ajoaa-2044	353	15	punjab	punjab	PROPN
ajoaa-2044	353	16	,	,	PUNCT
ajoaa-2044	353	17	pakistan	pakistan	PROPN
ajoaa-2044	353	18	.	.	PUNCT
ajoaa-2044	354	1	pakistan	pakistan	PROPN
ajoaa-2044	354	2	journal	journal	PROPN
ajoaa-2044	354	3	of	of	ADP
ajoaa-2044	354	4	agricultural	agricultural	ADJ
ajoaa-2044	354	5	engineering	engineering	NOUN
ajoaa-2044	354	6	&	&	CCONJ
ajoaa-2044	354	7	veterinary	veterinary	ADJ
ajoaa-2044	354	8	science	science	NOUN
ajoaa-2044	354	9	,	,	PUNCT
ajoaa-2044	354	10	26(2	26(2	NUM
ajoaa-2044	354	11	)	)	PUNCT
ajoaa-2044	354	12	,	,	PUNCT
ajoaa-2044	354	13	27	27	NUM
ajoaa-2044	354	14	-	-	SYM
ajoaa-2044	354	15	35	35	NUM
ajoaa-2044	354	16	.	.	PUNCT
ajoaa-2044	355	1	hogg	hogg	PROPN
ajoaa-2044	355	2	,	,	PUNCT
ajoaa-2044	355	3	m.	m.	NOUN
ajoaa-2044	355	4	,	,	PUNCT
ajoaa-2044	355	5	&	&	CCONJ
ajoaa-2044	355	6	vaughan	vaughan	PROPN
ajoaa-2044	355	7	,	,	PUNCT
ajoaa-2044	355	8	g.	g.	PROPN
ajoaa-2044	355	9	(	(	PUNCT
ajoaa-2044	355	10	2005	2005	NUM
ajoaa-2044	355	11	)	)	PUNCT
ajoaa-2044	355	12	.	.	PUNCT
ajoaa-2044	356	1	social	social	ADJ
ajoaa-2044	356	2	psychology	psychology	NOUN
ajoaa-2044	356	3	(	(	PUNCT
ajoaa-2044	356	4	8th	8th	ADJ
ajoaa-2044	356	5	edition	edition	NOUN
ajoaa-2044	356	6	)	)	PUNCT
ajoaa-2044	356	7	london	london	PROPN
ajoaa-2044	356	8	.	.	PUNCT
ajoaa-2044	357	1	pearson	pearson	PROPN
ajoaa-2044	357	2	education	education	PROPN
ajoaa-2044	357	3	limited	limit	VERB
ajoaa-2044	357	4	.	.	PUNCT
ajoaa-2044	358	1	retrieved	retrieve	VERB
ajoaa-2044	358	2	from	from	ADP
ajoaa-2044	358	3	https://www.nousharek.com	https://www.nousharek.com	X
ajoaa-2044	358	4	.	.	PUNCT
ajoaa-2044	359	1	igwe	igwe	PROPN
ajoaa-2044	359	2	,	,	PUNCT
ajoaa-2044	359	3	p.	p.	NOUN
ajoaa-2044	359	4	a.	a.	NOUN
ajoaa-2044	359	5	,	,	PUNCT
ajoaa-2044	359	6	amaugo	amaugo	PROPN
ajoaa-2044	359	7	,	,	PUNCT
ajoaa-2044	359	8	a.	a.	NOUN
ajoaa-2044	359	9	n.	n.	PROPN
ajoaa-2044	359	10	,	,	PUNCT
ajoaa-2044	359	11	ogundana	ogundana	PROPN
ajoaa-2044	359	12	,	,	PUNCT
ajoaa-2044	359	13	o.	o.	NOUN
ajoaa-2044	359	14	m.	m.	NOUN
ajoaa-2044	359	15	,	,	PUNCT
ajoaa-2044	359	16	odafe	odafe	NOUN
ajoaa-2044	359	17	,	,	PUNCT
ajoaa-2044	359	18	m.	m.	PROPN
ajoaa-2044	359	19	e.	e.	PROPN
ajoaa-2044	359	20	,	,	PUNCT
ajoaa-2044	359	21	&	&	CCONJ
ajoaa-2044	359	22	anigbo	anigbo	PROPN
ajoaa-2044	359	23	,	,	PUNCT
ajoaa-2044	359	24	j.	j.	PROPN
ajoaa-2044	359	25	a.	a.	PROPN
ajoaa-2044	359	26	(	(	PUNCT
ajoaa-2044	359	27	2018	2018	NUM
ajoaa-2044	359	28	)	)	PUNCT
ajoaa-2044	359	29	.	.	PUNCT
ajoaa-2044	360	1	factors	factor	NOUN
ajoaa-2044	360	2	affecting	affect	VERB
ajoaa-2044	360	3	the	the	DET
ajoaa-2044	360	4	investment	investment	NOUN
ajoaa-2044	360	5	climate	climate	NOUN
ajoaa-2044	360	6	,	,	PUNCT
ajoaa-2044	360	7	smes	sme	NOUN
ajoaa-2044	360	8	productivity	productivity	NOUN
ajoaa-2044	360	9	and	and	CCONJ
ajoaa-2044	360	10	entrepreneurship	entrepreneurship	NOUN
ajoaa-2044	360	11	in	in	ADP
ajoaa-2044	360	12	nigeria	nigeria	PROPN
ajoaa-2044	360	13	.	.	PUNCT
ajoaa-2044	361	1	european	european	PROPN
ajoaa-2044	361	2	journal	journal	PROPN
ajoaa-2044	361	3	of	of	ADP
ajoaa-2044	361	4	sustainable	sustainable	ADJ
ajoaa-2044	361	5	development	development	NOUN
ajoaa-2044	361	6	,	,	PUNCT
ajoaa-2044	361	7	7(1	7(1	NUM
ajoaa-2044	361	8	)	)	PUNCT
ajoaa-2044	361	9	,	,	PUNCT
ajoaa-2044	361	10	2239	2239	NUM
ajoaa-2044	361	11	-	-	SYM
ajoaa-2044	361	12	2259	2259	NUM
ajoaa-2044	361	13	.	.	PUNCT
ajoaa-2044	362	1	isaga	isaga	NOUN
ajoaa-2044	362	2	,	,	PUNCT
ajoaa-2044	362	3	n.	n.	NOUN
ajoaa-2044	362	4	(	(	PUNCT
ajoaa-2044	362	5	2018	2018	NUM
ajoaa-2044	362	6	)	)	PUNCT
ajoaa-2044	362	7	.	.	PUNCT
ajoaa-2044	363	1	access	access	NOUN
ajoaa-2044	363	2	to	to	ADP
ajoaa-2044	363	3	bank	bank	NOUN
ajoaa-2044	363	4	credit	credit	NOUN
ajoaa-2044	363	5	by	by	ADP
ajoaa-2044	363	6	smallholder	smallholder	NOUN
ajoaa-2044	363	7	farmers	farmer	NOUN
ajoaa-2044	363	8	in	in	ADP
ajoaa-2044	363	9	tanzania	tanzania	PROPN
ajoaa-2044	363	10	:	:	PUNCT
ajoaa-2044	363	11	a	a	DET
ajoaa-2044	363	12	case	case	NOUN
ajoaa-2044	363	13	study	study	NOUN
ajoaa-2044	363	14	.	.	PUNCT
ajoaa-2044	364	1	afrika	afrika	ADJ
ajoaa-2044	364	2	focus	focus	NOUN
ajoaa-2044	364	3	,	,	PUNCT
ajoaa-2044	364	4	31(1	31(1	NUM
ajoaa-2044	364	5	)	)	PUNCT
ajoaa-2044	364	6	,	,	PUNCT
ajoaa-2044	364	7	241	241	NUM
ajoaa-2044	364	8	-	-	SYM
ajoaa-2044	364	9	256	256	NUM
ajoaa-2044	364	10	.	.	PUNCT
ajoaa-2044	365	1	doi.org/10.21825/af.v31i1.9048	doi.org/10.21825/af.v31i1.9048	PROPN
ajoaa-2044	365	2	.	.	PROPN
ajoaa-2044	365	3	obalola	obalola	PROPN
ajoaa-2044	365	4	,	,	PUNCT
ajoaa-2044	365	5	t.	t.	PROPN
ajoaa-2044	365	6	o.	o.	PROPN
ajoaa-2044	365	7	,	,	PUNCT
ajoaa-2044	365	8	audu	audu	NOUN
ajoaa-2044	365	9	,	,	PUNCT
ajoaa-2044	365	10	r.	r.	PROPN
ajoaa-2044	365	11	o.	o.	PROPN
ajoaa-2044	365	12	,	,	PUNCT
ajoaa-2044	365	13	&	&	CCONJ
ajoaa-2044	365	14	danilola	danilola	PROPN
ajoaa-2044	365	15	,	,	PUNCT
ajoaa-2044	365	16	s.	s.	PROPN
ajoaa-2044	365	17	t.	t.	PROPN
ajoaa-2044	365	18	(	(	PUNCT
ajoaa-2044	365	19	2018	2018	NUM
ajoaa-2044	365	20	)	)	PUNCT
ajoaa-2044	365	21	.	.	PUNCT
ajoaa-2044	366	1	determinants	determinant	NOUN
ajoaa-2044	366	2	of	of	ADP
ajoaa-2044	366	3	savings	saving	NOUN
ajoaa-2044	366	4	among	among	ADP
ajoaa-2044	366	5	smallholder	smallholder	NOUN
ajoaa-2044	366	6	farmers	farmer	NOUN
ajoaa-2044	366	7	in	in	ADP
ajoaa-2044	366	8	sokoto	sokoto	PROPN
ajoaa-2044	366	9	south	south	PROPN
ajoaa-2044	366	10	local	local	ADJ
ajoaa-2044	366	11	government	government	NOUN
ajoaa-2044	366	12	area	area	NOUN
ajoaa-2044	366	13	,	,	PUNCT
ajoaa-2044	366	14	sokoto	sokoto	PROPN
ajoaa-2044	366	15	state	state	PROPN
ajoaa-2044	366	16	,	,	PUNCT
ajoaa-2044	366	17	nigeria	nigeria	PROPN
ajoaa-2044	366	18	.	.	PUNCT
ajoaa-2044	367	1	acta	acta	PROPN
ajoaa-2044	367	2	agriculturae	agriculturae	PROPN
ajoaa-2044	367	3	slovenica	slovenica	PROPN
ajoaa-2044	367	4	,	,	PUNCT
ajoaa-2044	367	5	111(2	111(2	NUM
ajoaa-2044	367	6	)	)	PUNCT
ajoaa-2044	367	7	,	,	PUNCT
ajoaa-2044	367	8	341	341	NUM
ajoaa-2044	367	9	-	-	SYM
ajoaa-2044	367	10	347	347	NUM
ajoaa-2044	367	11	.	.	PUNCT
ajoaa-2044	368	1	obayelu	obayelu	ADJ
ajoaa-2044	368	2	,	,	PUNCT
ajoaa-2044	368	3	o.	o.	NOUN
ajoaa-2044	368	4	a.	a.	NOUN
ajoaa-2044	368	5	(	(	PUNCT
ajoaa-2044	368	6	2012	2012	NUM
ajoaa-2044	368	7	)	)	PUNCT
ajoaa-2044	368	8	.	.	PUNCT
ajoaa-2044	369	1	saving	save	VERB
ajoaa-2044	369	2	behavior	behavior	NOUN
ajoaa-2044	369	3	of	of	ADP
ajoaa-2044	369	4	rural	rural	ADJ
ajoaa-2044	369	5	households	household	NOUN
ajoaa-2044	369	6	in	in	ADP
ajoaa-2044	369	7	kwara	kwara	PROPN
ajoaa-2044	369	8	state	state	PROPN
ajoaa-2044	369	9	,	,	PUNCT
ajoaa-2044	369	10	nigeria	nigeria	PROPN
ajoaa-2044	369	11	.	.	PUNCT
ajoaa-2044	370	1	african	african	ADJ
ajoaa-2044	370	2	journal	journal	PROPN
ajoaa-2044	370	3	of	of	ADP
ajoaa-2044	370	4	basic	basic	ADJ
ajoaa-2044	370	5	&	&	CCONJ
ajoaa-2044	370	6	applied	applied	ADJ
ajoaa-2044	370	7	sciences	science	NOUN
ajoaa-2044	370	8	,	,	PUNCT
ajoaa-2044	370	9	4(4	4(4	NUM
ajoaa-2044	370	10	)	)	PUNCT
ajoaa-2044	370	11	,	,	PUNCT
ajoaa-2044	370	12	115	115	NUM
ajoaa-2044	370	13	-	-	SYM
ajoaa-2044	370	14	123	123	NUM
ajoaa-2044	370	15	.	.	PUNCT
ajoaa-2044	371	1	https://www.microfinancegateway.org/	https://www.microfinancegateway.org/	VERB
ajoaa-2044	371	2	https://link.springer.com/article/10.1007/s11205-014-0583-0	https://link.springer.com/article/10.1007/s11205-014-0583-0	PROPN
ajoaa-2044	371	3	https://www.cgap.org/sites/default/files/working-paper-survey+segmentation-of-smallholders-nigeria-oct-2017.pdf	https://www.cgap.org/sites/default/files/working-paper-survey+segmentation-of-smallholders-nigeria-oct-2017.pdf	NOUN
ajoaa-2044	371	4	https://www.cgap.org/sites/default/files/working-paper-survey+segmentation-of-smallholders-nigeria-oct-2017.pdf	https://www.cgap.org/sites/default/files/working-paper-survey+segmentation-of-smallholders-nigeria-oct-2017.pdf	PROPN
ajoaa-2044	371	5	http://mpra.ub.uni-muenchen.de/2451/mpra	http://mpra.ub.uni-muenchen.de/2451/mpra	ADJ
ajoaa-2044	371	6	https://is.cuni.cz/webapps/zzp/download/130141120	https://is.cuni.cz/webapps/zzp/download/130141120	ADJ
ajoaa-2044	371	7	https://www.nousharek.com/	https://www.nousharek.com/	NOUN
ajoaa-2044	371	8	asian	asian	PROPN
ajoaa-2044	371	9	journal	journal	PROPN
ajoaa-2044	371	10	of	of	ADP
ajoaa-2044	371	11	agriculture	agriculture	NOUN
ajoaa-2044	371	12	and	and	CCONJ
ajoaa-2044	371	13	rural	rural	ADJ
ajoaa-2044	371	14	development	development	NOUN
ajoaa-2044	371	15	,	,	PUNCT
ajoaa-2044	371	16	10(1)2020	10(1)2020	NUM
ajoaa-2044	371	17	:	:	PUNCT
ajoaa-2044	371	18	406	406	NUM
ajoaa-2044	371	19	-	-	SYM
ajoaa-2044	371	20	419	419	NUM
ajoaa-2044	371	21	419	419	NUM
ajoaa-2044	371	22	odoemenem	odoemenem	PROPN
ajoaa-2044	371	23	,	,	PUNCT
ajoaa-2044	371	24	i.	i.	PROPN
ajoaa-2044	371	25	u.	u.	PROPN
ajoaa-2044	371	26	,	,	PUNCT
ajoaa-2044	371	27	ezihe	ezihe	PROPN
ajoaa-2044	371	28	,	,	PUNCT
ajoaa-2044	371	29	j.	j.	PROPN
ajoaa-2044	371	30	a.	a.	PROPN
ajoaa-2044	371	31	c.	c.	PROPN
ajoaa-2044	371	32	,	,	PUNCT
ajoaa-2044	371	33	&	&	CCONJ
ajoaa-2044	371	34	akerele	akerele	PROPN
ajoaa-2044	371	35	,	,	PUNCT
ajoaa-2044	372	1	s.	s.	PROPN
ajoaa-2044	372	2	o.	o.	PROPN
ajoaa-2044	372	3	(	(	PUNCT
ajoaa-2044	372	4	2013	2013	NUM
ajoaa-2044	372	5	)	)	PUNCT
ajoaa-2044	372	6	.	.	PUNCT
ajoaa-2044	373	1	saving	saving	NOUN
ajoaa-2044	373	2	and	and	CCONJ
ajoaa-2044	373	3	investment	investment	NOUN
ajoaa-2044	373	4	pattern	pattern	NOUN
ajoaa-2044	373	5	of	of	ADP
ajoaa-2044	373	6	small	small	ADJ
ajoaa-2044	373	7	-	-	PUNCT
ajoaa-2044	373	8	scale	scale	NOUN
ajoaa-2044	373	9	farmers	farmer	NOUN
ajoaa-2044	373	10	of	of	ADP
ajoaa-2044	373	11	benue	benue	PROPN
ajoaa-2044	373	12	state	state	PROPN
ajoaa-2044	373	13	,	,	PUNCT
ajoaa-2044	373	14	nigeria	nigeria	PROPN
ajoaa-2044	373	15	.	.	PUNCT
ajoaa-2044	374	1	global	global	ADJ
ajoaa-2044	374	2	journal	journal	PROPN
ajoaa-2044	374	3	of	of	ADP
ajoaa-2044	374	4	human	human	ADJ
ajoaa-2044	374	5	social	social	ADJ
ajoaa-2044	374	6	science	science	NOUN
ajoaa-2044	374	7	sociology	sociology	NOUN
ajoaa-2044	374	8	and	and	CCONJ
ajoaa-2044	374	9	culture	culture	NOUN
ajoaa-2044	374	10	,	,	PUNCT
ajoaa-2044	374	11	13(1	13(1	NUM
ajoaa-2044	374	12	)	)	PUNCT
ajoaa-2044	374	13	,	,	PUNCT
ajoaa-2044	374	14	7	7	NUM
ajoaa-2044	374	15	-	-	SYM
ajoaa-2044	374	16	12	12	NUM
ajoaa-2044	374	17	.	.	PUNCT
ajoaa-2044	375	1	oduro	oduro	NOUN
ajoaa-2044	375	2	,	,	PUNCT
ajoaa-2044	375	3	o.	o.	PROPN
ajoaa-2044	375	4	e.	e.	PROPN
ajoaa-2044	375	5	,	,	PUNCT
ajoaa-2044	375	6	aboagye	aboagye	PROPN
ajoaa-2044	375	7	,	,	PUNCT
ajoaa-2044	375	8	a.	a.	NOUN
ajoaa-2044	375	9	p.	p.	PROPN
ajoaa-2044	375	10	,	,	PUNCT
ajoaa-2044	375	11	&	&	CCONJ
ajoaa-2044	375	12	acquaye	acquaye	PROPN
ajoaa-2044	375	13	n.	n.	PROPN
ajoaa-2044	375	14	a.	a.	PROPN
ajoaa-2044	375	15	e.	e.	PROPN
ajoaa-2044	375	16	(	(	PUNCT
ajoaa-2044	375	17	2014	2014	NUM
ajoaa-2044	375	18	)	)	PUNCT
ajoaa-2044	375	19	.	.	PUNCT
ajoaa-2044	376	1	effects	effect	NOUN
ajoaa-2044	376	2	of	of	ADP
ajoaa-2044	376	3	education	education	NOUN
ajoaa-2044	376	4	on	on	ADP
ajoaa-2044	376	5	the	the	DET
ajoaa-2044	376	6	agricultural	agricultural	ADJ
ajoaa-2044	376	7	productivity	productivity	NOUN
ajoaa-2044	376	8	of	of	ADP
ajoaa-2044	376	9	farmers	farmer	NOUN
ajoaa-2044	376	10	in	in	ADP
ajoaa-2044	376	11	the	the	DET
ajoaa-2044	376	12	offinso	offinso	NOUN
ajoaa-2044	376	13	municipality	municipality	NOUN
ajoaa-2044	376	14	.	.	PUNCT
ajoaa-2044	377	1	international	international	ADJ
ajoaa-2044	377	2	journal	journal	PROPN
ajoaa-2044	377	3	of	of	ADP
ajoaa-2044	377	4	development	development	NOUN
ajoaa-2044	377	5	research	research	NOUN
ajoaa-2044	377	6	,	,	PUNCT
ajoaa-2044	377	7	4(9	4(9	NUM
ajoaa-2044	377	8	)	)	PUNCT
ajoaa-2044	377	9	,	,	PUNCT
ajoaa-2044	377	10	1951	1951	NUM
ajoaa-2044	377	11	-	-	SYM
ajoaa-2044	377	12	1960	1960	NUM
ajoaa-2044	377	13	.	.	PUNCT
ajoaa-2044	378	1	oecd	oecd	PROPN
ajoaa-2044	378	2	(	(	PUNCT
ajoaa-2044	378	3	2015	2015	NUM
ajoaa-2044	378	4	)	)	PUNCT
ajoaa-2044	378	5	.	.	PUNCT
ajoaa-2044	379	1	new	new	ADJ
ajoaa-2044	379	2	approaches	approach	NOUN
ajoaa-2044	379	3	to	to	ADP
ajoaa-2044	379	4	sme	sme	NOUN
ajoaa-2044	379	5	and	and	CCONJ
ajoaa-2044	379	6	entrepreneurship	entrepreneurship	NOUN
ajoaa-2044	379	7	financing	financing	NOUN
ajoaa-2044	379	8	:	:	PUNCT
ajoaa-2044	379	9	broadening	broaden	VERB
ajoaa-2044	379	10	the	the	DET
ajoaa-2044	379	11	range	range	NOUN
ajoaa-2044	379	12	of	of	ADP
ajoaa-2044	379	13	instruments	instrument	NOUN
ajoaa-2044	379	14	.	.	PUNCT
ajoaa-2044	380	1	retrieved	retrieve	VERB
ajoaa-2044	380	2	from	from	ADP
ajoaa-2044	380	3	https://www.oecd.org/cfe/smes/new-approaches-smesynthesis.pdf	https://www.oecd.org/cfe/smes/new-approaches-smesynthesis.pdf	PROPN
ajoaa-2044	380	4	.	.	PUNCT
ajoaa-2044	381	1	osondu	osondu	PROPN
ajoaa-2044	381	2	,	,	PUNCT
ajoaa-2044	381	3	c.	c.	PROPN
ajoaa-2044	381	4	k.	k.	PROPN
ajoaa-2044	381	5	,	,	PUNCT
ajoaa-2044	381	6	obike	obike	INTJ
ajoaa-2044	381	7	,	,	PUNCT
ajoaa-2044	381	8	k.	k.	PROPN
ajoaa-2044	381	9	c.	c.	PROPN
ajoaa-2044	381	10	,	,	PUNCT
ajoaa-2044	381	11	&	&	CCONJ
ajoaa-2044	381	12	ogbonna	ogbonna	PROPN
ajoaa-2044	381	13	,	,	PUNCT
ajoaa-2044	381	14	s.	s.	PROPN
ajoaa-2044	381	15	i.	i.	PROPN
ajoaa-2044	381	16	(	(	PUNCT
ajoaa-2044	381	17	2015	2015	NUM
ajoaa-2044	381	18	)	)	PUNCT
ajoaa-2044	381	19	.	.	PUNCT
ajoaa-2044	382	1	savings	saving	NOUN
ajoaa-2044	382	2	,	,	PUNCT
ajoaa-2044	382	3	income	income	NOUN
ajoaa-2044	382	4	and	and	CCONJ
ajoaa-2044	382	5	investment	investment	NOUN
ajoaa-2044	382	6	patterns	pattern	NOUN
ajoaa-2044	382	7	and	and	CCONJ
ajoaa-2044	382	8	its	its	PRON
ajoaa-2044	382	9	determinants	determinant	NOUN
ajoaa-2044	382	10	among	among	ADP
ajoaa-2044	382	11	small	small	ADJ
ajoaa-2044	382	12	holder	holder	NOUN
ajoaa-2044	382	13	arable	arable	ADJ
ajoaa-2044	382	14	crop	crop	NOUN
ajoaa-2044	382	15	farmers	farmer	NOUN
ajoaa-2044	382	16	in	in	ADP
ajoaa-2044	382	17	umuahia	umuahia	ADJ
ajoaa-2044	382	18	capital	capital	NOUN
ajoaa-2044	382	19	territory	territory	NOUN
ajoaa-2044	382	20	,	,	PUNCT
ajoaa-2044	382	21	abia	abia	PROPN
ajoaa-2044	382	22	state	state	PROPN
ajoaa-2044	382	23	,	,	PUNCT
ajoaa-2044	382	24	nigeria	nigeria	PROPN
ajoaa-2044	382	25	.	.	PUNCT
ajoaa-2044	383	1	european	european	PROPN
ajoaa-2044	383	2	journal	journal	PROPN
ajoaa-2044	383	3	of	of	ADP
ajoaa-2044	383	4	business	business	NOUN
ajoaa-2044	383	5	and	and	CCONJ
ajoaa-2044	383	6	innovation	innovation	NOUN
ajoaa-2044	383	7	research	research	NOUN
ajoaa-2044	383	8	,	,	PUNCT
ajoaa-2044	383	9	3(1	3(1	NUM
ajoaa-2044	383	10	)	)	PUNCT
ajoaa-2044	383	11	,	,	PUNCT
ajoaa-2044	383	12	51	51	NUM
ajoaa-2044	383	13	-	-	SYM
ajoaa-2044	383	14	70	70	NUM
ajoaa-2044	383	15	.	.	PUNCT
ajoaa-2044	384	1	oyelade	oyelade	NOUN
ajoaa-2044	384	2	,	,	PUNCT
ajoaa-2044	384	3	a.	a.	NOUN
ajoaa-2044	384	4	,	,	PUNCT
ajoaa-2044	384	5	ayeni	ayeni	PROPN
ajoaa-2044	384	6	,	,	PUNCT
ajoaa-2044	384	7	b.	b.	PROPN
ajoaa-2044	384	8	o.	o.	PROPN
ajoaa-2044	384	9	,	,	PUNCT
ajoaa-2044	384	10	ogundipe	ogundipe	NOUN
ajoaa-2044	384	11	,	,	PUNCT
ajoaa-2044	384	12	m.	m.	NOUN
ajoaa-2044	384	13	o.	o.	PROPN
ajoaa-2044	384	14	,	,	PUNCT
ajoaa-2044	384	15	salusi	salusi	NOUN
ajoaa-2044	384	16	,	,	PUNCT
ajoaa-2044	384	17	t.	t.	PROPN
ajoaa-2044	384	18	o.	o.	PROPN
ajoaa-2044	384	19	,	,	PUNCT
ajoaa-2044	384	20	tijani	tijani	PROPN
ajoaa-2044	384	21	,	,	PUNCT
ajoaa-2044	384	22	o.	o.	PROPN
ajoaa-2044	384	23	d.	d.	PROPN
ajoaa-2044	384	24	,	,	PUNCT
ajoaa-2044	384	25	&	&	CCONJ
ajoaa-2044	384	26	umah	umah	PROPN
ajoaa-2044	384	27	,	,	PUNCT
ajoaa-2044	384	28	i.	i.	PROPN
ajoaa-2044	384	29	e.	e.	PROPN
ajoaa-2044	384	30	(	(	PUNCT
ajoaa-2044	384	31	2019	2019	NUM
ajoaa-2044	384	32	)	)	PUNCT
ajoaa-2044	384	33	.	.	PUNCT
ajoaa-2044	385	1	challenges	challenge	NOUN
ajoaa-2044	385	2	and	and	CCONJ
ajoaa-2044	385	3	prospects	prospect	NOUN
ajoaa-2044	385	4	of	of	ADP
ajoaa-2044	385	5	commercial	commercial	ADJ
ajoaa-2044	385	6	bank	bank	NOUN
ajoaa-2044	385	7	loan	loan	NOUN
ajoaa-2044	385	8	extended	extend	VERB
ajoaa-2044	385	9	to	to	ADP
ajoaa-2044	385	10	farmers	farmer	NOUN
ajoaa-2044	385	11	in	in	ADP
ajoaa-2044	385	12	lagelu	lagelu	PROPN
ajoaa-2044	385	13	local	local	ADJ
ajoaa-2044	385	14	government	government	NOUN
ajoaa-2044	385	15	of	of	ADP
ajoaa-2044	385	16	oyo	oyo	NOUN
ajoaa-2044	385	17	state	state	NOUN
ajoaa-2044	385	18	,	,	PUNCT
ajoaa-2044	385	19	nigeria	nigeria	PROPN
ajoaa-2044	385	20	.	.	PUNCT
ajoaa-2044	386	1	asian	asian	PROPN
ajoaa-2044	386	2	development	development	PROPN
ajoaa-2044	386	3	policy	policy	PROPN
ajoaa-2044	386	4	review	review	PROPN
ajoaa-2044	386	5	,	,	PUNCT
ajoaa-2044	386	6	7(1	7(1	NUM
ajoaa-2044	386	7	)	)	PUNCT
ajoaa-2044	386	8	,	,	PUNCT
ajoaa-2044	386	9	31	31	NUM
ajoaa-2044	386	10	-	-	SYM
ajoaa-2044	386	11	42	42	NUM
ajoaa-2044	386	12	rahji	rahji	NOUN
ajoaa-2044	386	13	,	,	PUNCT
ajoaa-2044	386	14	m.	m.	NOUN
ajoaa-2044	386	15	a.	a.	PROPN
ajoaa-2044	386	16	y.	y.	PROPN
ajoaa-2044	386	17	,	,	PUNCT
ajoaa-2044	386	18	&	&	CCONJ
ajoaa-2044	386	19	adeoti	adeoti	PROPN
ajoaa-2044	386	20	,	,	PUNCT
ajoaa-2044	386	21	a.	a.	NOUN
ajoaa-2044	386	22	i.	i.	PROPN
ajoaa-2044	386	23	(	(	PUNCT
ajoaa-2044	386	24	2010	2010	NUM
ajoaa-2044	386	25	)	)	PUNCT
ajoaa-2044	386	26	.	.	PUNCT
ajoaa-2044	387	1	determinants	determinant	NOUN
ajoaa-2044	387	2	of	of	ADP
ajoaa-2044	387	3	agricultural	agricultural	ADJ
ajoaa-2044	387	4	credit	credit	NOUN
ajoaa-2044	387	5	rationing	ration	VERB
ajoaa-2044	387	6	by	by	ADP
ajoaa-2044	387	7	commercial	commercial	ADJ
ajoaa-2044	387	8	banks	bank	NOUN
ajoaa-2044	387	9	in	in	ADP
ajoaa-2044	387	10	south	south	ADJ
ajoaa-2044	387	11	-	-	PUNCT
ajoaa-2044	387	12	western	western	ADJ
ajoaa-2044	387	13	nigeria	nigeria	PROPN
ajoaa-2044	387	14	.	.	PUNCT
ajoaa-2044	388	1	international	international	ADJ
ajoaa-2044	388	2	journal	journal	PROPN
ajoaa-2044	388	3	of	of	ADP
ajoaa-2044	388	4	finance	finance	NOUN
ajoaa-2044	388	5	and	and	CCONJ
ajoaa-2044	388	6	economics	economic	NOUN
ajoaa-2044	388	7	,	,	PUNCT
ajoaa-2044	388	8	37	37	NUM
ajoaa-2044	388	9	,	,	PUNCT
ajoaa-2044	388	10	7	7	NUM
ajoaa-2044	388	11	-	-	SYM
ajoaa-2044	388	12	14	14	NUM
ajoaa-2044	388	13	.	.	PUNCT
ajoaa-2044	389	1	salikin	salikin	PROPN
ajoaa-2044	389	2	,	,	PUNCT
ajoaa-2044	389	3	n.	n.	PROPN
ajoaa-2044	389	4	,	,	PUNCT
ajoaa-2044	389	5	wahab	wahab	PROPN
ajoaa-2044	389	6	,	,	PUNCT
ajoaa-2044	389	7	n.	n.	PROPN
ajoaa-2044	389	8	a	a	PROPN
ajoaa-2044	389	9	b.	b.	PROPN
ajoaa-2044	389	10	,	,	PUNCT
ajoaa-2044	389	11	zakaria	zakaria	PROPN
ajoaa-2044	389	12	,	,	PUNCT
ajoaa-2044	389	13	n.	n.	PROPN
ajoaa-2044	389	14	,	,	PUNCT
ajoaa-2044	389	15	masruki	masruki	PROPN
ajoaa-2044	389	16	,	,	PUNCT
ajoaa-2044	389	17	r.	r.	PROPN
ajoaa-2044	389	18	,	,	PUNCT
ajoaa-2044	389	19	&	&	CCONJ
ajoaa-2044	389	20	nordin	nordin	PROPN
ajoaa-2044	389	21	,	,	PUNCT
ajoaa-2044	389	22	s.	s.	PROPN
ajoaa-2044	389	23	n.	n.	PROPN
ajoaa-2044	389	24	(	(	PUNCT
ajoaa-2044	389	25	2012	2012	NUM
ajoaa-2044	389	26	)	)	PUNCT
ajoaa-2044	389	27	.	.	PUNCT
ajoaa-2044	390	1	students	student	NOUN
ajoaa-2044	390	2	’	'	PUNCT
ajoaa-2044	390	3	saving	save	VERB
ajoaa-2044	390	4	attitude	attitude	NOUN
ajoaa-2044	390	5	:	:	PUNCT
ajoaa-2044	390	6	does	do	VERB
ajoaa-2044	390	7	parents	parent	NOUN
ajoaa-2044	390	8	’	’	PART
ajoaa-2044	390	9	background	background	NOUN
ajoaa-2044	390	10	matter	matter	NOUN
ajoaa-2044	390	11	?	?	PUNCT
ajoaa-2044	391	1	international	international	ADJ
ajoaa-2044	391	2	journal	journal	PROPN
ajoaa-2044	391	3	of	of	ADP
ajoaa-2044	391	4	trade	trade	NOUN
ajoaa-2044	391	5	,	,	PUNCT
ajoaa-2044	391	6	economics	economic	NOUN
ajoaa-2044	391	7	and	and	CCONJ
ajoaa-2044	391	8	finance	finance	NOUN
ajoaa-2044	391	9	,	,	PUNCT
ajoaa-2044	391	10	3(6	3(6	NUM
ajoaa-2044	391	11	)	)	PUNCT
ajoaa-2044	391	12	,	,	PUNCT
ajoaa-2044	391	13	479	479	NUM
ajoaa-2044	391	14	-	-	SYM
ajoaa-2044	391	15	484	484	NUM
ajoaa-2044	391	16	.	.	PUNCT
ajoaa-2044	392	1	silong	silong	NOUN
ajoaa-2044	392	2	,	,	PUNCT
ajoaa-2044	392	3	a.	a.	PROPN
ajoaa-2044	392	4	k.	k.	PROPN
ajoaa-2044	392	5	f.	f.	PROPN
ajoaa-2044	392	6	,	,	PUNCT
ajoaa-2044	392	7	&	&	CCONJ
ajoaa-2044	392	8	gadanakis	gadanakis	PROPN
ajoaa-2044	392	9	,	,	PUNCT
ajoaa-2044	392	10	y.	y.	PROPN
ajoaa-2044	392	11	(	(	PUNCT
ajoaa-2044	392	12	2019	2019	NUM
ajoaa-2044	392	13	)	)	PUNCT
ajoaa-2044	392	14	.	.	PUNCT
ajoaa-2044	393	1	credit	credit	NOUN
ajoaa-2044	393	2	sources	source	NOUN
ajoaa-2044	393	3	,	,	PUNCT
ajoaa-2044	393	4	access	access	NOUN
ajoaa-2044	393	5	and	and	CCONJ
ajoaa-2044	393	6	factors	factor	NOUN
ajoaa-2044	393	7	influencing	influence	VERB
ajoaa-2044	393	8	demand	demand	NOUN
ajoaa-2044	393	9	among	among	ADP
ajoaa-2044	393	10	rural	rural	ADJ
ajoaa-2044	393	11	livestock	livestock	NOUN
ajoaa-2044	393	12	farmers	farmer	NOUN
ajoaa-2044	393	13	in	in	ADP
ajoaa-2044	393	14	nigeria	nigeria	PROPN
ajoaa-2044	393	15	.	.	PUNCT
ajoaa-2044	394	1	journal	journal	PROPN
ajoaa-2044	394	2	of	of	ADP
ajoaa-2044	394	3	agricultural	agricultural	ADJ
ajoaa-2044	394	4	finance	finance	NOUN
ajoaa-2044	394	5	review	review	NOUN
ajoaa-2044	394	6	,	,	PUNCT
ajoaa-2044	394	7	80(1	80(1	NUM
ajoaa-2044	394	8	)	)	PUNCT
ajoaa-2044	394	9	68	68	NUM
ajoaa-2044	394	10	-	-	SYM
ajoaa-2044	394	11	90	90	NUM
ajoaa-2044	394	12	.	.	PUNCT
ajoaa-2044	395	1	sitharam	sitharam	PROPN
ajoaa-2044	395	2	,	,	PUNCT
ajoaa-2044	395	3	s.	s.	PROPN
ajoaa-2044	395	4	,	,	PUNCT
ajoaa-2044	395	5	&	&	CCONJ
ajoaa-2044	395	6	hoque	hoque	NOUN
ajoaa-2044	395	7	,	,	PUNCT
ajoaa-2044	395	8	m.	m.	NOUN
ajoaa-2044	395	9	(	(	PUNCT
ajoaa-2044	395	10	2016	2016	NUM
ajoaa-2044	395	11	)	)	PUNCT
ajoaa-2044	395	12	.	.	PUNCT
ajoaa-2044	396	1	factors	factor	NOUN
ajoaa-2044	396	2	affecting	affect	VERB
ajoaa-2044	396	3	the	the	DET
ajoaa-2044	396	4	performance	performance	NOUN
ajoaa-2044	396	5	of	of	ADP
ajoaa-2044	396	6	small	small	ADJ
ajoaa-2044	396	7	and	and	CCONJ
ajoaa-2044	396	8	medium	medium	ADJ
ajoaa-2044	396	9	enterprises	enterprise	NOUN
ajoaa-2044	396	10	in	in	ADP
ajoaa-2044	396	11	kwazulu	kwazulu	PROPN
ajoaa-2044	396	12	-	-	PUNCT
ajoaa-2044	396	13	natal	natal	ADJ
ajoaa-2044	396	14	,	,	PUNCT
ajoaa-2044	396	15	south	south	PROPN
ajoaa-2044	396	16	africa	africa	PROPN
ajoaa-2044	396	17	.	.	PUNCT
ajoaa-2044	397	1	problems	problem	NOUN
ajoaa-2044	397	2	and	and	CCONJ
ajoaa-2044	397	3	perspectives	perspective	NOUN
ajoaa-2044	397	4	in	in	ADP
ajoaa-2044	397	5	management	management	NOUN
ajoaa-2044	397	6	,	,	PUNCT
ajoaa-2044	397	7	14(2	14(2	NUM
ajoaa-2044	397	8	-	-	SYM
ajoaa-2044	397	9	2	2	NUM
ajoaa-2044	397	10	)	)	PUNCT
ajoaa-2044	397	11	,	,	PUNCT
ajoaa-2044	397	12	277	277	NUM
ajoaa-2044	397	13	-	-	SYM
ajoaa-2044	397	14	288	288	NUM
ajoaa-2044	397	15	.	.	PUNCT
ajoaa-2044	398	1	waniak	waniak	NOUN
ajoaa-2044	398	2	,	,	PUNCT
ajoaa-2044	398	3	m.	m.	NOUN
ajoaa-2044	398	4	,	,	PUNCT
ajoaa-2044	398	5	h.	h.	PROPN
ajoaa-2044	398	6	,	,	PUNCT
ajoaa-2044	398	7	michalak	michalak	PROPN
ajoaa-2044	398	8	,	,	PUNCT
ajoaa-2044	398	9	j.	j.	PROPN
ajoaa-2044	398	10	,	,	PUNCT
ajoaa-2044	398	11	&	&	CCONJ
ajoaa-2044	398	12	gheribi	gheribi	PROPN
ajoaa-2044	398	13	,	,	PUNCT
ajoaa-2044	398	14	e.	e.	PROPN
ajoaa-2044	398	15	(	(	PUNCT
ajoaa-2044	398	16	2018	2018	NUM
ajoaa-2044	398	17	)	)	PUNCT
ajoaa-2044	398	18	.	.	PUNCT
ajoaa-2044	399	1	the	the	DET
ajoaa-2044	399	2	sources	source	NOUN
ajoaa-2044	399	3	of	of	ADP
ajoaa-2044	399	4	financing	financing	NOUN
ajoaa-2044	399	5	for	for	ADP
ajoaa-2044	399	6	smes	sme	NOUN
ajoaa-2044	399	7	in	in	ADP
ajoaa-2044	399	8	poland	poland	PROPN
ajoaa-2044	399	9	.	.	PUNCT
ajoaa-2044	400	1	management	management	NOUN
ajoaa-2044	400	2	and	and	CCONJ
ajoaa-2044	400	3	education	education	NOUN
ajoaa-2044	400	4	,	,	PUNCT
ajoaa-2044	400	5	14(1	14(1	NUM
ajoaa-2044	400	6	)	)	PUNCT
ajoaa-2044	400	7	,	,	PUNCT
ajoaa-2044	400	8	15	15	NUM
ajoaa-2044	400	9	-	-	SYM
ajoaa-2044	400	10	21	21	NUM
ajoaa-2044	400	11	.	.	PUNCT
ajoaa-2044	401	1	yonga	yonga	PROPN
ajoaa-2044	401	2	,	,	PUNCT
ajoaa-2044	401	3	c.	c.	PROPN
ajoaa-2044	401	4	,	,	PUNCT
ajoaa-2044	401	5	yewb	yewb	NOUN
ajoaa-2044	401	6	,	,	PUNCT
ajoaa-2044	401	7	s.	s.	PROPN
ajoaa-2044	401	8	,	,	PUNCT
ajoaa-2044	401	9	&	&	CCONJ
ajoaa-2044	401	10	wee	wee	PROPN
ajoaa-2044	401	11	,	,	PUNCT
ajoaa-2044	401	12	c.	c.	PROPN
ajoaa-2044	401	13	(	(	PUNCT
ajoaa-2044	401	14	2018	2018	NUM
ajoaa-2044	401	15	)	)	PUNCT
ajoaa-2044	401	16	.	.	PUNCT
ajoaa-2044	402	1	financial	financial	ADJ
ajoaa-2044	402	2	knowledge	knowledge	NOUN
ajoaa-2044	402	3	,	,	PUNCT
ajoaa-2044	402	4	attitude	attitude	NOUN
ajoaa-2044	402	5	and	and	CCONJ
ajoaa-2044	402	6	behaviour	behaviour	NOUN
ajoaa-2044	402	7	of	of	ADP
ajoaa-2044	402	8	young	young	ADJ
ajoaa-2044	402	9	working	work	VERB
ajoaa-2044	402	10	adults	adult	NOUN
ajoaa-2044	402	11	in	in	ADP
ajoaa-2044	402	12	malaysia	malaysia	PROPN
ajoaa-2044	402	13	.	.	PUNCT
ajoaa-2044	403	1	institutions	institution	NOUN
ajoaa-2044	403	2	and	and	CCONJ
ajoaa-2044	403	3	economies	economy	NOUN
ajoaa-2044	403	4	,	,	PUNCT
ajoaa-2044	403	5	10(4	10(4	NUM
ajoaa-2044	403	6	)	)	PUNCT
ajoaa-2044	403	7	,	,	PUNCT
ajoaa-2044	403	8	21	21	NUM
ajoaa-2044	403	9	-	-	SYM
ajoaa-2044	403	10	48	48	NUM
ajoaa-2044	403	11	.	.	PUNCT
ajoaa-2044	404	1	zeller	zeller	NOUN
ajoaa-2044	404	2	,	,	PUNCT
ajoaa-2044	404	3	m.	m.	NOUN
ajoaa-2044	404	4	,	,	PUNCT
ajoaa-2044	404	5	&	&	CCONJ
ajoaa-2044	404	6	sharma	sharma	PROPN
ajoaa-2044	404	7	,	,	PUNCT
ajoaa-2044	404	8	m.	m.	NOUN
ajoaa-2044	404	9	(	(	PUNCT
ajoaa-2044	404	10	2000	2000	NUM
ajoaa-2044	404	11	)	)	PUNCT
ajoaa-2044	404	12	.	.	PUNCT
ajoaa-2044	405	1	many	many	ADJ
ajoaa-2044	405	2	borrow	borrow	VERB
ajoaa-2044	405	3	,	,	PUNCT
ajoaa-2044	405	4	more	more	ADV
ajoaa-2044	405	5	save	save	VERB
ajoaa-2044	405	6	and	and	CCONJ
ajoaa-2044	405	7	all	all	PRON
ajoaa-2044	405	8	insure	insure	VERB
ajoaa-2044	405	9	:	:	PUNCT
ajoaa-2044	405	10	implications	implication	NOUN
ajoaa-2044	405	11	for	for	ADP
ajoaa-2044	405	12	food	food	NOUN
ajoaa-2044	405	13	and	and	CCONJ
ajoaa-2044	405	14	micro	micro	ADJ
ajoaa-2044	405	15	finance	finance	NOUN
ajoaa-2044	405	16	policy	policy	NOUN
ajoaa-2044	405	17	.	.	PUNCT
ajoaa-2044	406	1	food	food	NOUN
ajoaa-2044	406	2	policy	policy	NOUN
ajoaa-2044	406	3	,	,	PUNCT
ajoaa-2044	406	4	25	25	NUM
ajoaa-2044	406	5	,	,	PUNCT
ajoaa-2044	406	6	143	143	NUM
ajoaa-2044	406	7	-	-	SYM
ajoaa-2044	406	8	167	167	NUM
ajoaa-2044	406	9	.	.	PUNCT
ajoaa-2044	407	1	doi.org/10.1016/s0306-9192(99)000652	doi.org/10.1016/s0306-9192(99)000652	PROPN
ajoaa-2044	407	2	.	.	PUNCT
ajoaa-2044	408	1	https://www.oecd.org/cfe/smes/new-approaches-sme-synthesis.pdf	https://www.oecd.org/cfe/smes/new-approaches-sme-synthesis.pdf	PROPN
ajoaa-2044	408	2	https://www.oecd.org/cfe/smes/new-approaches-sme-synthesis.pdf	https://www.oecd.org/cfe/smes/new-approaches-sme-synthesis.pdf	PROPN