id	sid	tid	token	lemma	pos
ajoaa-2080	1	1	effect	effect	NOUN
ajoaa-2080	1	2	of	of	ADP
ajoaa-2080	1	3	selected	select	VERB
ajoaa-2080	1	4	insecticide	insecticide	NOUN
ajoaa-2080	1	5	on	on	ADP
ajoaa-2080	1	6	whitefly	whitefly	NOUN
ajoaa-2080	1	7	(	(	PUNCT
ajoaa-2080	1	8	bemisia	bemisia	NOUN
ajoaa-2080	1	9	tabaci	tabaci	NOUN
ajoaa-2080	1	10	)	)	PUNCT
ajoaa-2080	1	11	infesting	infest	VERB
ajoaa-2080	1	12	brinjal	brinjal	ADJ
ajoaa-2080	1	13	plants	plant	NOUN
ajoaa-2080	1	14	628	628	NUM
ajoaa-2080	1	15	characterization	characterization	NOUN
ajoaa-2080	1	16	of	of	ADP
ajoaa-2080	1	17	bank	bank	NOUN
ajoaa-2080	1	18	lending	lending	NOUN
ajoaa-2080	1	19	requirements	requirement	NOUN
ajoaa-2080	1	20	for	for	ADP
ajoaa-2080	1	21	farmers	farmer	NOUN
ajoaa-2080	1	22	in	in	ADP
ajoaa-2080	1	23	zimbabwe	zimbabwe	PROPN
ajoaa-2080	1	24	chigunhah	chigunhah	PROPN
ajoaa-2080	1	25	blessing	blessing	PROPN
ajoaa-2080	1	26	ropafadzoa	ropafadzoa	PROPN
ajoaa-2080	1	27	,	,	PUNCT
ajoaa-2080	1	28	svotwa	svotwa	NOUN
ajoaa-2080	1	29	ezekiab	ezekiab	NOUN
ajoaa-2080	1	30	,	,	PUNCT
ajoaa-2080	1	31	munyoro	munyoro	PROPN
ajoaa-2080	1	32	geralda	geralda	PROPN
ajoaa-2080	1	33	,	,	PUNCT
ajoaa-2080	1	34	mabvure	mabvure	PROPN
ajoaa-2080	1	35	tendai	tendai	PROPN
ajoaa-2080	1	36	josephc	josephc	PROPN
ajoaa-2080	1	37	govere	govere	PROPN
ajoaa-2080	1	38	ignatiusd	ignatiusd	PROPN
ajoaa-2080	1	39	a	a	DET
ajoaa-2080	1	40			PUNCT
ajoaa-2080	1	41	graduate	graduate	NOUN
ajoaa-2080	1	42	business	business	NOUN
ajoaa-2080	1	43	school	school	NOUN
ajoaa-2080	1	44	,	,	PUNCT
ajoaa-2080	1	45	chinhoyi	chinhoyi	PROPN
ajoaa-2080	1	46	university	university	PROPN
ajoaa-2080	1	47	of	of	ADP
ajoaa-2080	1	48	technology	technology	NOUN
ajoaa-2080	1	49	,	,	PUNCT
ajoaa-2080	1	50	zimbabwe	zimbabwe	PROPN
ajoaa-2080	1	51	b	b	PROPN
ajoaa-2080	1	52	department	department	PROPN
ajoaa-2080	1	53	of	of	ADP
ajoaa-2080	1	54	crop	crop	NOUN
ajoaa-2080	1	55	science	science	NOUN
ajoaa-2080	1	56	and	and	CCONJ
ajoaa-2080	1	57	post	post	ADJ
ajoaa-2080	1	58	-	-	ADJ
ajoaa-2080	1	59	harvest	harvest	ADJ
ajoaa-2080	1	60	technology	technology	NOUN
ajoaa-2080	1	61	,	,	PUNCT
ajoaa-2080	1	62	chinhoyi	chinhoyi	PROPN
ajoaa-2080	1	63	university	university	PROPN
ajoaa-2080	1	64	of	of	ADP
ajoaa-2080	1	65	technology	technology	NOUN
ajoaa-2080	1	66	,	,	PUNCT
ajoaa-2080	1	67	zimbabwe	zimbabwe	PROPN
ajoaa-2080	1	68	c	c	PROPN
ajoaa-2080	1	69	department	department	PROPN
ajoaa-2080	1	70	of	of	ADP
ajoaa-2080	1	71	accounting	accounting	NOUN
ajoaa-2080	1	72	science	science	NOUN
ajoaa-2080	1	73	and	and	CCONJ
ajoaa-2080	1	74	finance	finance	NOUN
ajoaa-2080	1	75	,	,	PUNCT
ajoaa-2080	1	76	chinhoyi	chinhoyi	PROPN
ajoaa-2080	1	77	university	university	PROPN
ajoaa-2080	1	78	of	of	ADP
ajoaa-2080	1	79	technology	technology	NOUN
ajoaa-2080	1	80	,	,	PUNCT
ajoaa-2080	1	81	zimbabwe	zimbabwe	PROPN
ajoaa-2080	1	82	d	d	X
ajoaa-2080	1	83	faculty	faculty	NOUN
ajoaa-2080	1	84	of	of	ADP
ajoaa-2080	1	85	agriculture	agriculture	NOUN
ajoaa-2080	1	86	and	and	CCONJ
ajoaa-2080	1	87	environmental	environmental	ADJ
ajoaa-2080	1	88	sciences	science	NOUN
ajoaa-2080	1	89	,	,	PUNCT
ajoaa-2080	1	90	bindura	bindura	PROPN
ajoaa-2080	1	91	university	university	PROPN
ajoaa-2080	1	92	of	of	ADP
ajoaa-2080	1	93	science	science	PROPN
ajoaa-2080	1	94	education	education	NOUN
ajoaa-2080	1	95	,	,	PUNCT
ajoaa-2080	1	96	zimbabwe	zimbabwe	NOUN
ajoaa-2080	1	97			PROPN
ajoaa-2080	1	98	blessingmhere@gmail.com	blessingmhere@gmail.com	PROPN
ajoaa-2080	2	1	(	(	PUNCT
ajoaa-2080	2	2	corresponding	corresponding	ADJ
ajoaa-2080	2	3	author	author	NOUN
ajoaa-2080	2	4	)	)	PUNCT
ajoaa-2080	2	5	corresponding	correspond	VERB
ajoaa-2080	2	6	author	author	NOUN
ajoaa-2080	2	7	article	article	NOUN
ajoaa-2080	2	8	history	history	NOUN
ajoaa-2080	2	9	:	:	PUNCT
ajoaa-2080	2	10	received	receive	VERB
ajoaa-2080	2	11	:	:	PUNCT
ajoaa-2080	2	12	10	10	NUM
ajoaa-2080	2	13	-	-	PUNCT
ajoaa-2080	2	14	mar-2020	mar-2020	NOUN
ajoaa-2080	2	15	accepted	accept	VERB
ajoaa-2080	2	16	:	:	PUNCT
ajoaa-2080	2	17	25	25	NUM
ajoaa-2080	2	18	-	-	PUNCT
ajoaa-2080	2	19	jun-2020	jun-2020	NOUN
ajoaa-2080	2	20	online	online	ADV
ajoaa-2080	2	21	available	available	ADJ
ajoaa-2080	2	22	:	:	PUNCT
ajoaa-2080	2	23	01	01	NUM
ajoaa-2080	2	24	-	-	PUNCT
ajoaa-2080	2	25	sep2020	sep2020	NOUN
ajoaa-2080	2	26	keywords	keyword	NOUN
ajoaa-2080	2	27	:	:	PUNCT
ajoaa-2080	2	28	bank	bank	NOUN
ajoaa-2080	2	29	credit	credit	NOUN
ajoaa-2080	2	30	,	,	PUNCT
ajoaa-2080	2	31	bank	bank	NOUN
ajoaa-2080	2	32	lending	lending	NOUN
ajoaa-2080	2	33	,	,	PUNCT
ajoaa-2080	2	34	campari	campari	NOUN
ajoaa-2080	2	35	,	,	PUNCT
ajoaa-2080	2	36	collateral	collateral	NOUN
ajoaa-2080	2	37	,	,	PUNCT
ajoaa-2080	2	38	investments	investment	NOUN
ajoaa-2080	2	39	abstract	abstract	ADJ
ajoaa-2080	2	40	bank	bank	NOUN
ajoaa-2080	2	41	credit	credit	NOUN
ajoaa-2080	2	42	availability	availability	NOUN
ajoaa-2080	2	43	is	be	AUX
ajoaa-2080	2	44	vital	vital	ADJ
ajoaa-2080	2	45	for	for	ADP
ajoaa-2080	2	46	enhancing	enhance	VERB
ajoaa-2080	2	47	farm	farm	NOUN
ajoaa-2080	2	48	productivity	productivity	NOUN
ajoaa-2080	2	49	,	,	PUNCT
ajoaa-2080	2	50	income	income	NOUN
ajoaa-2080	2	51	,	,	PUNCT
ajoaa-2080	2	52	and	and	CCONJ
ajoaa-2080	2	53	farmer	farmer	NOUN
ajoaa-2080	2	54	livelihoods	livelihood	NOUN
ajoaa-2080	2	55	.	.	PUNCT
ajoaa-2080	3	1	this	this	DET
ajoaa-2080	3	2	study	study	NOUN
ajoaa-2080	3	3	sought	seek	VERB
ajoaa-2080	3	4	to	to	PART
ajoaa-2080	3	5	characterize	characterize	VERB
ajoaa-2080	3	6	the	the	DET
ajoaa-2080	3	7	lending	lending	NOUN
ajoaa-2080	3	8	requirements	requirement	NOUN
ajoaa-2080	3	9	considered	consider	VERB
ajoaa-2080	3	10	by	by	ADP
ajoaa-2080	3	11	commercial	commercial	ADJ
ajoaa-2080	3	12	banks	bank	NOUN
ajoaa-2080	3	13	when	when	SCONJ
ajoaa-2080	3	14	lending	lend	VERB
ajoaa-2080	3	15	to	to	ADP
ajoaa-2080	3	16	farmers	farmer	NOUN
ajoaa-2080	3	17	in	in	ADP
ajoaa-2080	3	18	zimbabwe	zimbabwe	PROPN
ajoaa-2080	3	19	.	.	PUNCT
ajoaa-2080	4	1	primary	primary	ADJ
ajoaa-2080	4	2	data	datum	NOUN
ajoaa-2080	4	3	were	be	AUX
ajoaa-2080	4	4	collected	collect	VERB
ajoaa-2080	4	5	from	from	ADP
ajoaa-2080	4	6	a	a	DET
ajoaa-2080	4	7	cross	cross	NOUN
ajoaa-2080	4	8	-	-	NOUN
ajoaa-2080	4	9	section	section	NOUN
ajoaa-2080	4	10	of	of	ADP
ajoaa-2080	4	11	12	12	NUM
ajoaa-2080	4	12	registered	register	VERB
ajoaa-2080	4	13	commercial	commercial	ADJ
ajoaa-2080	4	14	banks	bank	NOUN
ajoaa-2080	4	15	.	.	PUNCT
ajoaa-2080	5	1	relative	relative	ADJ
ajoaa-2080	5	2	importance	importance	NOUN
ajoaa-2080	5	3	index	index	NOUN
ajoaa-2080	5	4	(	(	PUNCT
ajoaa-2080	5	5	rii	rii	NOUN
ajoaa-2080	5	6	)	)	PUNCT
ajoaa-2080	5	7	and	and	CCONJ
ajoaa-2080	5	8	thematic	thematic	ADJ
ajoaa-2080	5	9	analysis	analysis	NOUN
ajoaa-2080	5	10	analysed	analyse	VERB
ajoaa-2080	5	11	data	datum	NOUN
ajoaa-2080	5	12	.	.	PUNCT
ajoaa-2080	6	1	high	high	ADJ
ajoaa-2080	6	2	importance	importance	NOUN
ajoaa-2080	6	3	lending	lending	NOUN
ajoaa-2080	6	4	requirements	requirement	NOUN
ajoaa-2080	6	5	that	that	PRON
ajoaa-2080	6	6	were	be	AUX
ajoaa-2080	6	7	always	always	ADV
ajoaa-2080	6	8	considered	consider	VERB
ajoaa-2080	6	9	by	by	ADP
ajoaa-2080	6	10	all	all	DET
ajoaa-2080	6	11	commercial	commercial	ADJ
ajoaa-2080	6	12	banks	bank	NOUN
ajoaa-2080	6	13	when	when	SCONJ
ajoaa-2080	6	14	lending	lend	VERB
ajoaa-2080	6	15	to	to	ADP
ajoaa-2080	6	16	farmers	farmer	NOUN
ajoaa-2080	6	17	included	include	VERB
ajoaa-2080	6	18	credit	credit	NOUN
ajoaa-2080	6	19	history	history	NOUN
ajoaa-2080	6	20	,	,	PUNCT
ajoaa-2080	6	21	productive	productive	ADJ
ajoaa-2080	6	22	farm	farm	NOUN
ajoaa-2080	6	23	assets	asset	NOUN
ajoaa-2080	6	24	,	,	PUNCT
ajoaa-2080	6	25	business	business	NOUN
ajoaa-2080	6	26	registration	registration	NOUN
ajoaa-2080	6	27	,	,	PUNCT
ajoaa-2080	6	28	loan	loan	NOUN
ajoaa-2080	6	29	purpose	purpose	NOUN
ajoaa-2080	6	30	,	,	PUNCT
ajoaa-2080	6	31	amount	amount	NOUN
ajoaa-2080	6	32	,	,	PUNCT
ajoaa-2080	6	33	and	and	CCONJ
ajoaa-2080	6	34	repayment	repayment	NOUN
ajoaa-2080	6	35	source	source	NOUN
ajoaa-2080	6	36	.	.	PUNCT
ajoaa-2080	7	1	agricultural	agricultural	ADJ
ajoaa-2080	7	2	production	production	NOUN
ajoaa-2080	7	3	skills	skill	NOUN
ajoaa-2080	7	4	,	,	PUNCT
ajoaa-2080	7	5	age	age	NOUN
ajoaa-2080	7	6	,	,	PUNCT
ajoaa-2080	7	7	business	business	NOUN
ajoaa-2080	7	8	plans	plan	NOUN
ajoaa-2080	7	9	,	,	PUNCT
ajoaa-2080	7	10	financial	financial	ADJ
ajoaa-2080	7	11	statements	statement	NOUN
ajoaa-2080	7	12	,	,	PUNCT
ajoaa-2080	7	13	social	social	ADJ
ajoaa-2080	7	14	reputation	reputation	NOUN
ajoaa-2080	7	15	,	,	PUNCT
ajoaa-2080	7	16	and	and	CCONJ
ajoaa-2080	7	17	project	project	NOUN
ajoaa-2080	7	18	insurance	insurance	NOUN
ajoaa-2080	7	19	were	be	AUX
ajoaa-2080	7	20	also	also	ADV
ajoaa-2080	7	21	mandatory	mandatory	ADJ
ajoaa-2080	7	22	in	in	ADP
ajoaa-2080	7	23	the	the	DET
ajoaa-2080	7	24	majority	majority	NOUN
ajoaa-2080	7	25	of	of	ADP
ajoaa-2080	7	26	the	the	DET
ajoaa-2080	7	27	commercial	commercial	ADJ
ajoaa-2080	7	28	banks	bank	NOUN
ajoaa-2080	7	29	.	.	PUNCT
ajoaa-2080	8	1	high	high	ADJ
ajoaa-2080	8	2	to	to	ADP
ajoaa-2080	8	3	medium	medium	ADJ
ajoaa-2080	8	4	importance	importance	NOUN
ajoaa-2080	8	5	lending	lending	NOUN
ajoaa-2080	8	6	requirements	requirement	NOUN
ajoaa-2080	8	7	included	include	VERB
ajoaa-2080	8	8	extension	extension	NOUN
ajoaa-2080	8	9	support	support	NOUN
ajoaa-2080	8	10	,	,	PUNCT
ajoaa-2080	8	11	business	business	NOUN
ajoaa-2080	8	12	management	management	NOUN
ajoaa-2080	8	13	skills	skill	NOUN
ajoaa-2080	8	14	,	,	PUNCT
ajoaa-2080	8	15	bank	bank	NOUN
ajoaa-2080	8	16	account	account	NOUN
ajoaa-2080	8	17	ownership	ownership	NOUN
ajoaa-2080	8	18	,	,	PUNCT
ajoaa-2080	8	19	own	own	ADJ
ajoaa-2080	8	20	contribution	contribution	NOUN
ajoaa-2080	8	21	,	,	PUNCT
ajoaa-2080	8	22	and	and	CCONJ
ajoaa-2080	8	23	personal	personal	ADJ
ajoaa-2080	8	24	savings	saving	NOUN
ajoaa-2080	8	25	.	.	PUNCT
ajoaa-2080	9	1	medium	medium	ADJ
ajoaa-2080	9	2	importance	importance	NOUN
ajoaa-2080	9	3	requirements	requirement	NOUN
ajoaa-2080	9	4	included	include	VERB
ajoaa-2080	9	5	formal	formal	ADJ
ajoaa-2080	9	6	basic	basic	ADJ
ajoaa-2080	9	7	education	education	NOUN
ajoaa-2080	9	8	,	,	PUNCT
ajoaa-2080	9	9	alternative	alternative	ADJ
ajoaa-2080	9	10	income	income	NOUN
ajoaa-2080	9	11	,	,	PUNCT
ajoaa-2080	9	12	and	and	CCONJ
ajoaa-2080	9	13	freehold	freehold	PROPN
ajoaa-2080	9	14	land	land	PROPN
ajoaa-2080	9	15	ownership	ownership	NOUN
ajoaa-2080	9	16	.	.	PUNCT
ajoaa-2080	10	1	therefore	therefore	ADV
ajoaa-2080	10	2	,	,	PUNCT
ajoaa-2080	10	3	besides	besides	SCONJ
ajoaa-2080	10	4	the	the	DET
ajoaa-2080	10	5	widely	widely	ADV
ajoaa-2080	10	6	documented	document	VERB
ajoaa-2080	10	7	collateral	collateral	NOUN
ajoaa-2080	10	8	,	,	PUNCT
ajoaa-2080	10	9	local	local	ADJ
ajoaa-2080	10	10	commercial	commercial	ADJ
ajoaa-2080	10	11	banks	bank	NOUN
ajoaa-2080	10	12	also	also	ADV
ajoaa-2080	10	13	considered	consider	VERB
ajoaa-2080	10	14	several	several	ADJ
ajoaa-2080	10	15	other	other	ADJ
ajoaa-2080	10	16	requirements	requirement	NOUN
ajoaa-2080	10	17	when	when	SCONJ
ajoaa-2080	10	18	lending	lend	VERB
ajoaa-2080	10	19	to	to	ADP
ajoaa-2080	10	20	farmers	farmer	NOUN
ajoaa-2080	10	21	.	.	PUNCT
ajoaa-2080	11	1	government	government	NOUN
ajoaa-2080	11	2	policy	policy	NOUN
ajoaa-2080	11	3	should	should	AUX
ajoaa-2080	11	4	go	go	VERB
ajoaa-2080	11	5	beyond	beyond	ADP
ajoaa-2080	11	6	solving	solve	VERB
ajoaa-2080	11	7	the	the	DET
ajoaa-2080	11	8	collateral	collateral	ADJ
ajoaa-2080	11	9	issue	issue	NOUN
ajoaa-2080	11	10	but	but	CCONJ
ajoaa-2080	11	11	benchmark	benchmark	VERB
ajoaa-2080	11	12	its	its	PRON
ajoaa-2080	11	13	policies	policy	NOUN
ajoaa-2080	11	14	to	to	ADP
ajoaa-2080	11	15	other	other	ADJ
ajoaa-2080	11	16	bank	bank	NOUN
ajoaa-2080	11	17	lending	lending	NOUN
ajoaa-2080	11	18	requirements	requirement	NOUN
ajoaa-2080	11	19	.	.	PUNCT
ajoaa-2080	12	1	farmers	farmer	NOUN
ajoaa-2080	12	2	should	should	AUX
ajoaa-2080	12	3	also	also	ADV
ajoaa-2080	12	4	pursue	pursue	VERB
ajoaa-2080	12	5	personal	personal	ADJ
ajoaa-2080	12	6	development	development	NOUN
ajoaa-2080	12	7	programs	program	NOUN
ajoaa-2080	12	8	in	in	ADP
ajoaa-2080	12	9	agricultural	agricultural	ADJ
ajoaa-2080	12	10	production	production	NOUN
ajoaa-2080	12	11	,	,	PUNCT
ajoaa-2080	12	12	business	business	NOUN
ajoaa-2080	12	13	,	,	PUNCT
ajoaa-2080	12	14	and	and	CCONJ
ajoaa-2080	12	15	financial	financial	ADJ
ajoaa-2080	12	16	management	management	NOUN
ajoaa-2080	12	17	.	.	PUNCT
ajoaa-2080	13	1	they	they	PRON
ajoaa-2080	13	2	should	should	AUX
ajoaa-2080	13	3	also	also	ADV
ajoaa-2080	13	4	invest	invest	VERB
ajoaa-2080	13	5	in	in	ADP
ajoaa-2080	13	6	off	off	ADP
ajoaa-2080	13	7	-	-	PUNCT
ajoaa-2080	13	8	farm	farm	NOUN
ajoaa-2080	13	9	assets	asset	NOUN
ajoaa-2080	13	10	to	to	PART
ajoaa-2080	13	11	ensure	ensure	VERB
ajoaa-2080	13	12	collateral	collateral	ADJ
ajoaa-2080	13	13	availability	availability	NOUN
ajoaa-2080	13	14	.	.	PUNCT
ajoaa-2080	14	1	contribution/	contribution/	NUM
ajoaa-2080	14	2	originality	originality	NOUN
ajoaa-2080	14	3	this	this	DET
ajoaa-2080	14	4	study	study	NOUN
ajoaa-2080	14	5	is	be	AUX
ajoaa-2080	14	6	one	one	NUM
ajoaa-2080	14	7	of	of	ADP
ajoaa-2080	14	8	the	the	DET
ajoaa-2080	14	9	first	first	ADJ
ajoaa-2080	14	10	few	few	ADJ
ajoaa-2080	14	11	in	in	ADP
ajoaa-2080	14	12	zimbabwe	zimbabwe	NOUN
ajoaa-2080	14	13	,	,	PUNCT
ajoaa-2080	14	14	which	which	PRON
ajoaa-2080	14	15	directly	directly	ADV
ajoaa-2080	14	16	investigated	investigate	VERB
ajoaa-2080	14	17	specific	specific	ADJ
ajoaa-2080	14	18	lending	lending	NOUN
ajoaa-2080	14	19	requirements	requirement	NOUN
ajoaa-2080	14	20	that	that	SCONJ
ajoaa-2080	14	21	commercial	commercial	ADJ
ajoaa-2080	14	22	banks	bank	NOUN
ajoaa-2080	14	23	consider	consider	VERB
ajoaa-2080	14	24	when	when	SCONJ
ajoaa-2080	14	25	lending	lend	VERB
ajoaa-2080	14	26	to	to	ADP
ajoaa-2080	14	27	farmers	farmer	NOUN
ajoaa-2080	14	28	.	.	PUNCT
ajoaa-2080	15	1	the	the	DET
ajoaa-2080	15	2	study	study	NOUN
ajoaa-2080	15	3	also	also	ADV
ajoaa-2080	15	4	uniquely	uniquely	ADV
ajoaa-2080	15	5	validated	validate	VERB
ajoaa-2080	15	6	the	the	DET
ajoaa-2080	15	7	applicability	applicability	NOUN
ajoaa-2080	15	8	of	of	ADP
ajoaa-2080	15	9	bank	bank	NOUN
ajoaa-2080	15	10	lending	lending	NOUN
ajoaa-2080	15	11	models	model	NOUN
ajoaa-2080	15	12	in	in	ADP
ajoaa-2080	15	13	agricultural	agricultural	ADJ
ajoaa-2080	15	14	lending	lending	NOUN
ajoaa-2080	15	15	in	in	ADP
ajoaa-2080	15	16	zimbabwe	zimbabwe	PROPN
ajoaa-2080	15	17	.	.	PUNCT
ajoaa-2080	16	1	doi	doi	NOUN
ajoaa-2080	16	2	:	:	PUNCT
ajoaa-2080	16	3	10.18488	10.18488	NUM
ajoaa-2080	16	4	/	/	SYM
ajoaa-2080	16	5	journal.ajard.2020.102.628.644	journal.ajard.2020.102.628.644	NOUN
ajoaa-2080	16	6	issn(p	issn(p	NUM
ajoaa-2080	16	7	):	):	PUNCT
ajoaa-2080	16	8	2304	2304	NUM
ajoaa-2080	16	9	-	-	SYM
ajoaa-2080	16	10	1455/	1455/	NUM
ajoaa-2080	16	11	issn(e	issn(e	NOUN
ajoaa-2080	16	12	):	):	PUNCT
ajoaa-2080	16	13	2224	2224	NUM
ajoaa-2080	16	14	-	-	SYM
ajoaa-2080	16	15	4433	4433	NUM
ajoaa-2080	16	16	how	how	SCONJ
ajoaa-2080	16	17	to	to	PART
ajoaa-2080	16	18	cite	cite	VERB
ajoaa-2080	16	19	:	:	PUNCT
ajoaa-2080	16	20	chigunhah	chigunhah	PROPN
ajoaa-2080	16	21	blessing	blessing	NOUN
ajoaa-2080	16	22	ropafadzo	ropafadzo	VERB
ajoaa-2080	16	23	,	,	PUNCT
ajoaa-2080	16	24	svotwa	svotwa	NOUN
ajoaa-2080	16	25	ezekia	ezekia	NOUN
ajoaa-2080	16	26	,	,	PUNCT
ajoaa-2080	16	27	munyoro	munyoro	PROPN
ajoaa-2080	16	28	gerald	gerald	PROPN
ajoaa-2080	16	29	,	,	PUNCT
ajoaa-2080	16	30	mabvure	mabvure	PROPN
ajoaa-2080	16	31	tendai	tendai	PROPN
ajoaa-2080	16	32	joseph	joseph	PROPN
ajoaa-2080	16	33	and	and	CCONJ
ajoaa-2080	16	34	govere	govere	PROPN
ajoaa-2080	16	35	ignatius	ignatius	PROPN
ajoaa-2080	16	36	(	(	PUNCT
ajoaa-2080	16	37	2020	2020	NUM
ajoaa-2080	16	38	)	)	PUNCT
ajoaa-2080	16	39	.	.	PUNCT
ajoaa-2080	17	1	characterization	characterization	NOUN
ajoaa-2080	17	2	of	of	ADP
ajoaa-2080	17	3	bank	bank	NOUN
ajoaa-2080	17	4	lending	lending	NOUN
ajoaa-2080	17	5	requirements	requirement	NOUN
ajoaa-2080	17	6	for	for	ADP
ajoaa-2080	17	7	farmers	farmer	NOUN
ajoaa-2080	17	8	in	in	ADP
ajoaa-2080	17	9	zimbabwe	zimbabwe	PROPN
ajoaa-2080	17	10	.	.	PUNCT
ajoaa-2080	18	1	asian	asian	ADJ
ajoaa-2080	18	2	journal	journal	PROPN
ajoaa-2080	18	3	of	of	ADP
ajoaa-2080	18	4	agriculture	agriculture	NOUN
ajoaa-2080	18	5	and	and	CCONJ
ajoaa-2080	18	6	rural	rural	ADJ
ajoaa-2080	18	7	development	development	NOUN
ajoaa-2080	18	8	,	,	PUNCT
ajoaa-2080	18	9	10(2	10(2	NUM
ajoaa-2080	18	10	)	)	PUNCT
ajoaa-2080	18	11	,	,	PUNCT
ajoaa-2080	18	12	628	628	NUM
ajoaa-2080	18	13	-	-	SYM
ajoaa-2080	18	14	644	644	NUM
ajoaa-2080	18	15	.	.	PUNCT
ajoaa-2080	19	1	©	©	NOUN
ajoaa-2080	19	2	2020	2020	NUM
ajoaa-2080	19	3	asian	asian	ADJ
ajoaa-2080	19	4	economic	economic	ADJ
ajoaa-2080	19	5	and	and	CCONJ
ajoaa-2080	19	6	social	social	ADJ
ajoaa-2080	19	7	society	society	NOUN
ajoaa-2080	19	8	.	.	PUNCT
ajoaa-2080	20	1	all	all	DET
ajoaa-2080	20	2	rights	right	NOUN
ajoaa-2080	20	3	reserved	reserve	VERB
ajoaa-2080	20	4	.	.	PUNCT
ajoaa-2080	21	1	asian	asian	ADJ
ajoaa-2080	21	2	journal	journal	PROPN
ajoaa-2080	21	3	of	of	ADP
ajoaa-2080	21	4	agriculture	agriculture	NOUN
ajoaa-2080	21	5	and	and	CCONJ
ajoaa-2080	21	6	rural	rural	ADJ
ajoaa-2080	21	7	development	development	NOUN
ajoaa-2080	21	8	volume	volume	NOUN
ajoaa-2080	21	9	10	10	NUM
ajoaa-2080	21	10	,	,	PUNCT
ajoaa-2080	21	11	issue	issue	NOUN
ajoaa-2080	21	12	2	2	NUM
ajoaa-2080	21	13	(	(	PUNCT
ajoaa-2080	21	14	2020	2020	NUM
ajoaa-2080	21	15	):	):	PUNCT
ajoaa-2080	21	16	628	628	NUM
ajoaa-2080	21	17	-	-	SYM
ajoaa-2080	21	18	644	644	NUM
ajoaa-2080	21	19	http://www.aessweb.com/journals/5005	http://www.aessweb.com/journals/5005	NOUN
ajoaa-2080	21	20	mailto:blessingmhere@gmail.com	mailto:blessingmhere@gmail.com	X
ajoaa-2080	22	1	http://www.aessweb.com/journals/5005	http://www.aessweb.com/journals/5005	ADJ
ajoaa-2080	22	2	http://crossmark.crossref.org/dialog/?doi=10.18488/journal.ajard.2020.102.628.644	http://crossmark.crossref.org/dialog/?doi=10.18488/journal.ajard.2020.102.628.644	VERB
ajoaa-2080	22	3	asian	asian	ADJ
ajoaa-2080	22	4	journal	journal	NOUN
ajoaa-2080	22	5	of	of	ADP
ajoaa-2080	22	6	agriculture	agriculture	NOUN
ajoaa-2080	22	7	and	and	CCONJ
ajoaa-2080	22	8	rural	rural	ADJ
ajoaa-2080	22	9	development	development	NOUN
ajoaa-2080	22	10	,	,	PUNCT
ajoaa-2080	22	11	10(2)2020	10(2)2020	NUM
ajoaa-2080	22	12	:	:	PUNCT
ajoaa-2080	22	13	628	628	NUM
ajoaa-2080	22	14	-	-	SYM
ajoaa-2080	22	15	644	644	NUM
ajoaa-2080	22	16	629	629	NUM
ajoaa-2080	22	17	1	1	NUM
ajoaa-2080	22	18	.	.	PUNCT
ajoaa-2080	23	1	introduction	introduction	NOUN
ajoaa-2080	23	2	financial	financial	ADJ
ajoaa-2080	23	3	resources	resource	NOUN
ajoaa-2080	23	4	are	be	AUX
ajoaa-2080	23	5	the	the	DET
ajoaa-2080	23	6	basic	basic	ADJ
ajoaa-2080	23	7	ingredients	ingredient	NOUN
ajoaa-2080	23	8	for	for	ADP
ajoaa-2080	23	9	economic	economic	ADJ
ajoaa-2080	23	10	growth	growth	NOUN
ajoaa-2080	23	11	,	,	PUNCT
ajoaa-2080	23	12	provided	provide	VERB
ajoaa-2080	23	13	that	that	SCONJ
ajoaa-2080	23	14	they	they	PRON
ajoaa-2080	23	15	are	be	AUX
ajoaa-2080	23	16	not	not	PART
ajoaa-2080	23	17	left	leave	VERB
ajoaa-2080	23	18	idle	idle	ADJ
ajoaa-2080	23	19	(	(	PUNCT
ajoaa-2080	23	20	sulaiman	sulaiman	PROPN
ajoaa-2080	23	21	and	and	CCONJ
ajoaa-2080	23	22	aluko	aluko	PROPN
ajoaa-2080	23	23	,	,	PUNCT
ajoaa-2080	23	24	2015	2015	NUM
ajoaa-2080	23	25	)	)	PUNCT
ajoaa-2080	23	26	.	.	PUNCT
ajoaa-2080	24	1	according	accord	VERB
ajoaa-2080	24	2	to	to	ADP
ajoaa-2080	24	3	ponnala	ponnala	NOUN
ajoaa-2080	24	4	(	(	PUNCT
ajoaa-2080	24	5	2016	2016	NUM
ajoaa-2080	24	6	)	)	PUNCT
ajoaa-2080	24	7	,	,	PUNCT
ajoaa-2080	24	8	banks	bank	NOUN
ajoaa-2080	24	9	are	be	AUX
ajoaa-2080	24	10	statutorily	statutorily	ADV
ajoaa-2080	24	11	vested	vest	VERB
ajoaa-2080	24	12	with	with	ADP
ajoaa-2080	24	13	the	the	DET
ajoaa-2080	24	14	primary	primary	ADJ
ajoaa-2080	24	15	responsibility	responsibility	NOUN
ajoaa-2080	24	16	of	of	ADP
ajoaa-2080	24	17	the	the	DET
ajoaa-2080	24	18	financial	financial	ADJ
ajoaa-2080	24	19	intermediation	intermediation	NOUN
ajoaa-2080	24	20	function	function	NOUN
ajoaa-2080	24	21	to	to	PART
ajoaa-2080	24	22	ensure	ensure	VERB
ajoaa-2080	24	23	the	the	DET
ajoaa-2080	24	24	availability	availability	NOUN
ajoaa-2080	24	25	of	of	ADP
ajoaa-2080	24	26	funds	fund	NOUN
ajoaa-2080	24	27	to	to	ADP
ajoaa-2080	24	28	all	all	DET
ajoaa-2080	24	29	economic	economic	ADJ
ajoaa-2080	24	30	agents	agent	NOUN
ajoaa-2080	24	31	.	.	PUNCT
ajoaa-2080	25	1	in	in	ADP
ajoaa-2080	25	2	executing	execute	VERB
ajoaa-2080	25	3	this	this	DET
ajoaa-2080	25	4	function	function	NOUN
ajoaa-2080	25	5	,	,	PUNCT
ajoaa-2080	25	6	bank	bank	NOUN
ajoaa-2080	25	7	deposits	deposit	NOUN
ajoaa-2080	25	8	are	be	AUX
ajoaa-2080	25	9	converted	convert	VERB
ajoaa-2080	25	10	into	into	ADP
ajoaa-2080	25	11	loans	loan	NOUN
ajoaa-2080	25	12	or	or	CCONJ
ajoaa-2080	25	13	credits	credit	NOUN
ajoaa-2080	25	14	,	,	PUNCT
ajoaa-2080	25	15	which	which	PRON
ajoaa-2080	25	16	foster	foster	VERB
ajoaa-2080	25	17	capital	capital	NOUN
ajoaa-2080	25	18	formation	formation	NOUN
ajoaa-2080	25	19	that	that	PRON
ajoaa-2080	25	20	enhances	enhance	VERB
ajoaa-2080	25	21	the	the	DET
ajoaa-2080	25	22	economy	economy	NOUN
ajoaa-2080	25	23	's	's	PART
ajoaa-2080	25	24	productive	productive	ADJ
ajoaa-2080	25	25	capacity	capacity	NOUN
ajoaa-2080	25	26	(	(	PUNCT
ajoaa-2080	25	27	afolabi	afolabi	NOUN
ajoaa-2080	25	28	,	,	PUNCT
ajoaa-2080	25	29	1998	1998	NUM
ajoaa-2080	25	30	)	)	PUNCT
ajoaa-2080	25	31	.	.	PUNCT
ajoaa-2080	26	1	omankhanlen	omankhanlen	ADJ
ajoaa-2080	26	2	(	(	PUNCT
ajoaa-2080	26	3	2012	2012	NUM
ajoaa-2080	26	4	)	)	PUNCT
ajoaa-2080	26	5	avers	aver	VERB
ajoaa-2080	26	6	that	that	SCONJ
ajoaa-2080	26	7	economic	economic	ADJ
ajoaa-2080	26	8	activity	activity	NOUN
ajoaa-2080	26	9	would	would	AUX
ajoaa-2080	26	10	not	not	PART
ajoaa-2080	26	11	progress	progress	VERB
ajoaa-2080	26	12	smoothly	smoothly	ADV
ajoaa-2080	26	13	without	without	ADP
ajoaa-2080	26	14	the	the	DET
ajoaa-2080	26	15	continuous	continuous	ADJ
ajoaa-2080	26	16	flow	flow	NOUN
ajoaa-2080	26	17	of	of	ADP
ajoaa-2080	26	18	money	money	NOUN
ajoaa-2080	26	19	and	and	CCONJ
ajoaa-2080	26	20	credit	credit	NOUN
ajoaa-2080	26	21	,	,	PUNCT
ajoaa-2080	26	22	particularly	particularly	ADV
ajoaa-2080	26	23	from	from	ADP
ajoaa-2080	26	24	the	the	DET
ajoaa-2080	26	25	banking	banking	NOUN
ajoaa-2080	26	26	system	system	NOUN
ajoaa-2080	26	27	.	.	PUNCT
ajoaa-2080	27	1	short	short	ADJ
ajoaa-2080	27	2	,	,	PUNCT
ajoaa-2080	27	3	medium	medium	ADJ
ajoaa-2080	27	4	,	,	PUNCT
ajoaa-2080	27	5	and	and	CCONJ
ajoaa-2080	27	6	long	long	ADJ
ajoaa-2080	27	7	term	term	NOUN
ajoaa-2080	27	8	loans	loan	NOUN
ajoaa-2080	27	9	advanced	advance	VERB
ajoaa-2080	27	10	as	as	SCONJ
ajoaa-2080	27	11	institutional	institutional	ADJ
ajoaa-2080	27	12	credit	credit	NOUN
ajoaa-2080	27	13	to	to	ADP
ajoaa-2080	27	14	agriculture	agriculture	NOUN
ajoaa-2080	27	15	are	be	AUX
ajoaa-2080	27	16	recognized	recognize	VERB
ajoaa-2080	27	17	as	as	ADP
ajoaa-2080	27	18	important	important	ADJ
ajoaa-2080	27	19	determinants	determinant	NOUN
ajoaa-2080	27	20	of	of	ADP
ajoaa-2080	27	21	private	private	ADJ
ajoaa-2080	27	22	capital	capital	NOUN
ajoaa-2080	27	23	formation	formation	NOUN
ajoaa-2080	27	24	(	(	PUNCT
ajoaa-2080	27	25	joliya	joliya	NOUN
ajoaa-2080	27	26	et	et	PROPN
ajoaa-2080	27	27	al	al	PROPN
ajoaa-2080	27	28	.	.	PROPN
ajoaa-2080	27	29	,	,	PUNCT
ajoaa-2080	27	30	2017	2017	NUM
ajoaa-2080	27	31	)	)	PUNCT
ajoaa-2080	27	32	.	.	PUNCT
ajoaa-2080	28	1	the	the	DET
ajoaa-2080	28	2	availability	availability	NOUN
ajoaa-2080	28	3	of	of	ADP
ajoaa-2080	28	4	bank	bank	NOUN
ajoaa-2080	28	5	credit	credit	NOUN
ajoaa-2080	28	6	in	in	ADP
ajoaa-2080	28	7	the	the	DET
ajoaa-2080	28	8	agricultural	agricultural	ADJ
ajoaa-2080	28	9	sector	sector	NOUN
ajoaa-2080	28	10	is	be	AUX
ajoaa-2080	28	11	also	also	ADV
ajoaa-2080	28	12	purported	purport	VERB
ajoaa-2080	28	13	to	to	PART
ajoaa-2080	28	14	empower	empower	VERB
ajoaa-2080	28	15	farmers	farmer	NOUN
ajoaa-2080	28	16	to	to	PART
ajoaa-2080	28	17	invest	invest	VERB
ajoaa-2080	28	18	in	in	ADP
ajoaa-2080	28	19	technologies	technology	NOUN
ajoaa-2080	28	20	and	and	CCONJ
ajoaa-2080	28	21	inputs	input	NOUN
ajoaa-2080	28	22	that	that	PRON
ajoaa-2080	28	23	are	be	AUX
ajoaa-2080	28	24	required	require	VERB
ajoaa-2080	28	25	for	for	ADP
ajoaa-2080	28	26	enhancing	enhance	VERB
ajoaa-2080	28	27	productivity	productivity	NOUN
ajoaa-2080	28	28	,	,	PUNCT
ajoaa-2080	28	29	income	income	NOUN
ajoaa-2080	28	30	and	and	CCONJ
ajoaa-2080	28	31	livelihoods	livelihood	NOUN
ajoaa-2080	28	32	,	,	PUNCT
ajoaa-2080	28	33	especially	especially	ADV
ajoaa-2080	28	34	in	in	ADP
ajoaa-2080	28	35	developing	develop	VERB
ajoaa-2080	28	36	countries	country	NOUN
ajoaa-2080	28	37	like	like	ADP
ajoaa-2080	28	38	zimbabwe	zimbabwe	X
ajoaa-2080	28	39	(	(	PUNCT
ajoaa-2080	28	40	international	international	ADJ
ajoaa-2080	28	41	finance	finance	NOUN
ajoaa-2080	28	42	corporation	corporation	NOUN
ajoaa-2080	28	43	(	(	PUNCT
ajoaa-2080	28	44	ifc	ifc	PROPN
ajoaa-2080	28	45	)	)	PUNCT
ajoaa-2080	28	46	,	,	PUNCT
ajoaa-2080	28	47	2014	2014	NUM
ajoaa-2080	28	48	;	;	PUNCT
ajoaa-2080	28	49	makamure	makamure	NOUN
ajoaa-2080	28	50	et	et	PROPN
ajoaa-2080	28	51	al	al	PROPN
ajoaa-2080	28	52	.	.	PROPN
ajoaa-2080	28	53	,	,	PUNCT
ajoaa-2080	28	54	2001	2001	NUM
ajoaa-2080	28	55	)	)	PUNCT
ajoaa-2080	28	56	.	.	PUNCT
ajoaa-2080	29	1	goeringer	goeringer	VERB
ajoaa-2080	29	2	and	and	CCONJ
ajoaa-2080	29	3	hanson	hanson	PROPN
ajoaa-2080	29	4	(	(	PUNCT
ajoaa-2080	29	5	2013	2013	NUM
ajoaa-2080	29	6	)	)	PUNCT
ajoaa-2080	29	7	also	also	ADV
ajoaa-2080	29	8	propound	propound	VERB
ajoaa-2080	29	9	that	that	SCONJ
ajoaa-2080	29	10	bank	bank	NOUN
ajoaa-2080	29	11	credit	credit	NOUN
ajoaa-2080	29	12	availability	availability	NOUN
ajoaa-2080	29	13	is	be	AUX
ajoaa-2080	29	14	key	key	ADJ
ajoaa-2080	29	15	for	for	ADP
ajoaa-2080	29	16	enabling	enable	VERB
ajoaa-2080	29	17	the	the	DET
ajoaa-2080	29	18	transition	transition	NOUN
ajoaa-2080	29	19	of	of	ADP
ajoaa-2080	29	20	smallholder	smallholder	NOUN
ajoaa-2080	29	21	farmers	farmer	NOUN
ajoaa-2080	29	22	from	from	ADP
ajoaa-2080	29	23	subsistence	subsistence	NOUN
ajoaa-2080	29	24	to	to	ADP
ajoaa-2080	29	25	commercial	commercial	ADJ
ajoaa-2080	29	26	agriculture	agriculture	NOUN
ajoaa-2080	29	27	.	.	PUNCT
ajoaa-2080	30	1	however	however	ADV
ajoaa-2080	30	2	,	,	PUNCT
ajoaa-2080	30	3	lack	lack	NOUN
ajoaa-2080	30	4	of	of	ADP
ajoaa-2080	30	5	access	access	NOUN
ajoaa-2080	30	6	to	to	ADP
ajoaa-2080	30	7	bank	bank	NOUN
ajoaa-2080	30	8	credit	credit	NOUN
ajoaa-2080	30	9	by	by	ADP
ajoaa-2080	30	10	farmers	farmer	NOUN
ajoaa-2080	30	11	in	in	ADP
ajoaa-2080	30	12	developing	develop	VERB
ajoaa-2080	30	13	countries	country	NOUN
ajoaa-2080	30	14	is	be	AUX
ajoaa-2080	30	15	recurrently	recurrently	ADV
ajoaa-2080	30	16	cited	cite	VERB
ajoaa-2080	30	17	as	as	ADP
ajoaa-2080	30	18	a	a	DET
ajoaa-2080	30	19	major	major	ADJ
ajoaa-2080	30	20	bottleneck	bottleneck	NOUN
ajoaa-2080	30	21	to	to	ADP
ajoaa-2080	30	22	increased	increase	VERB
ajoaa-2080	30	23	productivity	productivity	NOUN
ajoaa-2080	30	24	(	(	PUNCT
ajoaa-2080	30	25	ike	ike	PROPN
ajoaa-2080	30	26	and	and	CCONJ
ajoaa-2080	30	27	umuedafe	umuedafe	ADJ
ajoaa-2080	30	28	,	,	PUNCT
ajoaa-2080	30	29	2013	2013	NUM
ajoaa-2080	30	30	;	;	PUNCT
ajoaa-2080	30	31	reserve	reserve	PROPN
ajoaa-2080	30	32	bank	bank	PROPN
ajoaa-2080	30	33	of	of	ADP
ajoaa-2080	30	34	zimbabwe	zimbabwe	X
ajoaa-2080	30	35	(	(	PUNCT
ajoaa-2080	30	36	rbz	rbz	PROPN
ajoaa-2080	30	37	,	,	PUNCT
ajoaa-2080	30	38	2016	2016	NUM
ajoaa-2080	30	39	)	)	PUNCT
ajoaa-2080	30	40	.	.	PUNCT
ajoaa-2080	31	1	according	accord	VERB
ajoaa-2080	31	2	to	to	ADP
ajoaa-2080	31	3	the	the	DET
ajoaa-2080	31	4	ifc	ifc	NOUN
ajoaa-2080	31	5	(	(	PUNCT
ajoaa-2080	31	6	2014	2014	NUM
ajoaa-2080	31	7	)	)	PUNCT
ajoaa-2080	31	8	,	,	PUNCT
ajoaa-2080	31	9	only	only	ADV
ajoaa-2080	31	10	5	5	NUM
ajoaa-2080	31	11	%	%	NOUN
ajoaa-2080	31	12	of	of	ADP
ajoaa-2080	31	13	commercial	commercial	ADJ
ajoaa-2080	31	14	lending	lending	NOUN
ajoaa-2080	31	15	is	be	AUX
ajoaa-2080	31	16	destined	destine	VERB
ajoaa-2080	31	17	for	for	ADP
ajoaa-2080	31	18	the	the	DET
ajoaa-2080	31	19	agricultural	agricultural	ADJ
ajoaa-2080	31	20	sector	sector	NOUN
ajoaa-2080	31	21	in	in	ADP
ajoaa-2080	31	22	africa	africa	PROPN
ajoaa-2080	31	23	,	,	PUNCT
ajoaa-2080	31	24	while	while	SCONJ
ajoaa-2080	31	25	a	a	DET
ajoaa-2080	31	26	quarter	quarter	NOUN
ajoaa-2080	31	27	of	of	ADP
ajoaa-2080	31	28	loans	loan	NOUN
ajoaa-2080	31	29	advanced	advanced	ADJ
ajoaa-2080	31	30	south	south	ADV
ajoaa-2080	31	31	of	of	ADP
ajoaa-2080	31	32	the	the	DET
ajoaa-2080	31	33	sahara	sahara	PROPN
ajoaa-2080	31	34	originated	originate	VERB
ajoaa-2080	31	35	from	from	ADP
ajoaa-2080	31	36	a	a	DET
ajoaa-2080	31	37	bank	bank	NOUN
ajoaa-2080	31	38	(	(	PUNCT
ajoaa-2080	31	39	fan	fan	NOUN
ajoaa-2080	31	40	et	et	PROPN
ajoaa-2080	31	41	al	al	PROPN
ajoaa-2080	31	42	.	.	PROPN
ajoaa-2080	31	43	,	,	PUNCT
ajoaa-2080	31	44	2013	2013	NUM
ajoaa-2080	31	45	)	)	PUNCT
ajoaa-2080	31	46	.	.	PUNCT
ajoaa-2080	32	1	these	these	DET
ajoaa-2080	32	2	financial	financial	ADJ
ajoaa-2080	32	3	constraints	constraint	NOUN
ajoaa-2080	32	4	are	be	AUX
ajoaa-2080	32	5	also	also	ADV
ajoaa-2080	32	6	prevalent	prevalent	ADJ
ajoaa-2080	32	7	in	in	ADP
ajoaa-2080	32	8	zimbabwe	zimbabwe	PROPN
ajoaa-2080	32	9	,	,	PUNCT
ajoaa-2080	32	10	an	an	DET
ajoaa-2080	32	11	agro	agro	NOUN
ajoaa-2080	32	12	-	-	PUNCT
ajoaa-2080	32	13	based	base	VERB
ajoaa-2080	32	14	economy	economy	NOUN
ajoaa-2080	32	15	which	which	PRON
ajoaa-2080	32	16	has	have	VERB
ajoaa-2080	32	17	approximately	approximately	ADV
ajoaa-2080	32	18	60	60	NUM
ajoaa-2080	32	19	%	%	NOUN
ajoaa-2080	32	20	of	of	ADP
ajoaa-2080	32	21	its	its	PRON
ajoaa-2080	32	22	economically	economically	ADV
ajoaa-2080	32	23	active	active	ADJ
ajoaa-2080	32	24	population	population	NOUN
ajoaa-2080	32	25	self	self	NOUN
ajoaa-2080	32	26	-	-	PUNCT
ajoaa-2080	32	27	employed	employ	VERB
ajoaa-2080	32	28	in	in	ADP
ajoaa-2080	32	29	agriculture	agriculture	NOUN
ajoaa-2080	32	30	(	(	PUNCT
ajoaa-2080	32	31	swinkels	swinkel	NOUN
ajoaa-2080	32	32	and	and	CCONJ
ajoaa-2080	32	33	chipunza	chipunza	ADJ
ajoaa-2080	32	34	,	,	PUNCT
ajoaa-2080	32	35	2018	2018	NUM
ajoaa-2080	32	36	)	)	PUNCT
ajoaa-2080	32	37	.	.	PUNCT
ajoaa-2080	33	1	farmers	farmer	NOUN
ajoaa-2080	33	2	lack	lack	VERB
ajoaa-2080	33	3	access	access	NOUN
ajoaa-2080	33	4	to	to	ADP
ajoaa-2080	33	5	formal	formal	ADJ
ajoaa-2080	33	6	bank	bank	NOUN
ajoaa-2080	33	7	credit	credit	NOUN
ajoaa-2080	33	8	in	in	ADP
ajoaa-2080	33	9	zimbabwe	zimbabwe	NOUN
ajoaa-2080	33	10	due	due	ADP
ajoaa-2080	33	11	to	to	ADP
ajoaa-2080	33	12	their	their	PRON
ajoaa-2080	33	13	high	high	ADJ
ajoaa-2080	33	14	dependence	dependence	NOUN
ajoaa-2080	33	15	on	on	ADP
ajoaa-2080	33	16	rainfed	rainfed	ADJ
ajoaa-2080	33	17	agriculture	agriculture	NOUN
ajoaa-2080	33	18	,	,	PUNCT
ajoaa-2080	33	19	which	which	PRON
ajoaa-2080	33	20	exposes	expose	VERB
ajoaa-2080	33	21	them	they	PRON
ajoaa-2080	33	22	to	to	PART
ajoaa-2080	33	23	weather	weather	VERB
ajoaa-2080	33	24	risks	risk	NOUN
ajoaa-2080	33	25	(	(	PUNCT
ajoaa-2080	33	26	united	united	PROPN
ajoaa-2080	33	27	nations	nations	PROPN
ajoaa-2080	33	28	,	,	PUNCT
ajoaa-2080	33	29	2014	2014	NUM
ajoaa-2080	33	30	;	;	PUNCT
ajoaa-2080	33	31	vitoria	vitoria	PROPN
ajoaa-2080	33	32	et	et	PROPN
ajoaa-2080	33	33	al	al	PROPN
ajoaa-2080	33	34	.	.	PROPN
ajoaa-2080	33	35	,	,	PUNCT
ajoaa-2080	33	36	2012	2012	NUM
ajoaa-2080	33	37	)	)	PUNCT
ajoaa-2080	33	38	.	.	PUNCT
ajoaa-2080	34	1	they	they	PRON
ajoaa-2080	34	2	also	also	ADV
ajoaa-2080	34	3	lack	lack	VERB
ajoaa-2080	34	4	the	the	DET
ajoaa-2080	34	5	immovable	immovable	NOUN
ajoaa-2080	34	6	and	and	CCONJ
ajoaa-2080	34	7	titled	title	VERB
ajoaa-2080	34	8	collateral	collateral	NOUN
ajoaa-2080	34	9	demanded	demand	VERB
ajoaa-2080	34	10	by	by	ADP
ajoaa-2080	34	11	banks	bank	NOUN
ajoaa-2080	34	12	since	since	SCONJ
ajoaa-2080	34	13	they	they	PRON
ajoaa-2080	34	14	do	do	AUX
ajoaa-2080	34	15	not	not	PART
ajoaa-2080	34	16	have	have	VERB
ajoaa-2080	34	17	freehold	freehold	ADJ
ajoaa-2080	34	18	ownership	ownership	NOUN
ajoaa-2080	34	19	of	of	ADP
ajoaa-2080	34	20	their	their	PRON
ajoaa-2080	34	21	farmland	farmland	NOUN
ajoaa-2080	34	22	(	(	PUNCT
ajoaa-2080	34	23	masiyandima	masiyandima	PROPN
ajoaa-2080	34	24	et	et	PROPN
ajoaa-2080	34	25	al	al	PROPN
ajoaa-2080	34	26	.	.	PROPN
ajoaa-2080	34	27	,	,	PUNCT
ajoaa-2080	34	28	2011	2011	NUM
ajoaa-2080	34	29	;	;	PUNCT
ajoaa-2080	34	30	ministry	ministry	NOUN
ajoaa-2080	34	31	of	of	ADP
ajoaa-2080	34	32	agriculture	agriculture	PROPN
ajoaa-2080	34	33	,	,	PUNCT
ajoaa-2080	34	34	2013	2013	NUM
ajoaa-2080	34	35	)	)	PUNCT
ajoaa-2080	34	36	.	.	PUNCT
ajoaa-2080	35	1	besides	besides	SCONJ
ajoaa-2080	35	2	,	,	PUNCT
ajoaa-2080	35	3	the	the	DET
ajoaa-2080	35	4	majority	majority	NOUN
ajoaa-2080	35	5	of	of	ADP
ajoaa-2080	35	6	the	the	DET
ajoaa-2080	35	7	farmers	farmer	NOUN
ajoaa-2080	35	8	in	in	ADP
ajoaa-2080	35	9	zimbabwe	zimbabwe	PROPN
ajoaa-2080	35	10	,	,	PUNCT
ajoaa-2080	35	11	who	who	PRON
ajoaa-2080	35	12	benefitted	benefit	VERB
ajoaa-2080	35	13	from	from	ADP
ajoaa-2080	35	14	the	the	DET
ajoaa-2080	35	15	fast	fast	ADJ
ajoaa-2080	35	16	track	track	NOUN
ajoaa-2080	35	17	land	land	NOUN
ajoaa-2080	35	18	reform	reform	NOUN
ajoaa-2080	35	19	program	program	NOUN
ajoaa-2080	35	20	(	(	PUNCT
ajoaa-2080	35	21	ftlrp	ftlrp	PROPN
ajoaa-2080	35	22	)	)	PUNCT
ajoaa-2080	35	23	between	between	ADP
ajoaa-2080	35	24	1999	1999	NUM
ajoaa-2080	35	25	and	and	CCONJ
ajoaa-2080	35	26	2010	2010	NUM
ajoaa-2080	35	27	,	,	PUNCT
ajoaa-2080	35	28	also	also	ADV
ajoaa-2080	35	29	lack	lack	VERB
ajoaa-2080	35	30	the	the	DET
ajoaa-2080	35	31	skills	skill	NOUN
ajoaa-2080	35	32	and	and	CCONJ
ajoaa-2080	35	33	passion	passion	NOUN
ajoaa-2080	35	34	for	for	ADP
ajoaa-2080	35	35	farming	farming	NOUN
ajoaa-2080	35	36	compared	compare	VERB
ajoaa-2080	35	37	to	to	ADP
ajoaa-2080	35	38	their	their	PRON
ajoaa-2080	35	39	predecessors	predecessor	NOUN
ajoaa-2080	35	40	,	,	PUNCT
ajoaa-2080	35	41	the	the	DET
ajoaa-2080	35	42	former	former	ADJ
ajoaa-2080	35	43	white	white	ADJ
ajoaa-2080	35	44	commercial	commercial	ADJ
ajoaa-2080	35	45	farmers	farmer	NOUN
ajoaa-2080	35	46	(	(	PUNCT
ajoaa-2080	35	47	richardson	richardson	PROPN
ajoaa-2080	35	48	,	,	PUNCT
ajoaa-2080	35	49	2005	2005	NUM
ajoaa-2080	35	50	)	)	PUNCT
ajoaa-2080	35	51	.	.	PUNCT
ajoaa-2080	36	1	the	the	DET
ajoaa-2080	36	2	government	government	NOUN
ajoaa-2080	36	3	of	of	ADP
ajoaa-2080	36	4	zimbabwe	zimbabwe	PROPN
ajoaa-2080	36	5	formulated	formulate	VERB
ajoaa-2080	36	6	several	several	ADJ
ajoaa-2080	36	7	policies	policy	NOUN
ajoaa-2080	36	8	in	in	ADP
ajoaa-2080	36	9	response	response	NOUN
ajoaa-2080	36	10	to	to	ADP
ajoaa-2080	36	11	the	the	DET
ajoaa-2080	36	12	financial	financial	ADJ
ajoaa-2080	36	13	constraints	constraint	NOUN
ajoaa-2080	36	14	faced	face	VERB
ajoaa-2080	36	15	by	by	ADP
ajoaa-2080	36	16	farmers	farmer	NOUN
ajoaa-2080	36	17	.	.	PUNCT
ajoaa-2080	37	1	such	such	ADJ
ajoaa-2080	37	2	policies	policy	NOUN
ajoaa-2080	37	3	include	include	VERB
ajoaa-2080	37	4	the	the	DET
ajoaa-2080	37	5	collateral	collateral	ADJ
ajoaa-2080	37	6	registry	registry	NOUN
ajoaa-2080	37	7	,	,	PUNCT
ajoaa-2080	37	8	the	the	DET
ajoaa-2080	37	9	99	99	NUM
ajoaa-2080	37	10	year	year	NOUN
ajoaa-2080	37	11	lease	lease	NOUN
ajoaa-2080	37	12	agreements	agreement	NOUN
ajoaa-2080	37	13	,	,	PUNCT
ajoaa-2080	37	14	and	and	CCONJ
ajoaa-2080	37	15	the	the	DET
ajoaa-2080	37	16	ongoing	ongoing	ADJ
ajoaa-2080	37	17	command	command	NOUN
ajoaa-2080	37	18	agriculture	agriculture	NOUN
ajoaa-2080	37	19	program	program	NOUN
ajoaa-2080	37	20	.	.	PUNCT
ajoaa-2080	38	1	according	accord	VERB
ajoaa-2080	38	2	to	to	ADP
ajoaa-2080	38	3	the	the	DET
ajoaa-2080	38	4	rbz	rbz	PROPN
ajoaa-2080	38	5	(	(	PUNCT
ajoaa-2080	38	6	2013	2013	NUM
ajoaa-2080	38	7	)	)	PUNCT
ajoaa-2080	38	8	,	,	PUNCT
ajoaa-2080	38	9	a	a	DET
ajoaa-2080	38	10	collateral	collateral	ADJ
ajoaa-2080	38	11	registry	registry	NOUN
ajoaa-2080	38	12	is	be	AUX
ajoaa-2080	38	13	a	a	DET
ajoaa-2080	38	14	publicly	publicly	ADV
ajoaa-2080	38	15	available	available	ADJ
ajoaa-2080	38	16	database	database	NOUN
ajoaa-2080	38	17	of	of	ADP
ajoaa-2080	38	18	interests	interest	NOUN
ajoaa-2080	38	19	in	in	ADP
ajoaa-2080	38	20	or	or	CCONJ
ajoaa-2080	38	21	ownership	ownership	NOUN
ajoaa-2080	38	22	of	of	ADP
ajoaa-2080	38	23	movable	movable	ADJ
ajoaa-2080	38	24	assets	asset	NOUN
ajoaa-2080	38	25	,	,	PUNCT
ajoaa-2080	38	26	which	which	PRON
ajoaa-2080	38	27	allows	allow	VERB
ajoaa-2080	38	28	borrowers	borrower	NOUN
ajoaa-2080	38	29	to	to	PART
ajoaa-2080	38	30	prove	prove	VERB
ajoaa-2080	38	31	their	their	PRON
ajoaa-2080	38	32	creditworthiness	creditworthiness	NOUN
ajoaa-2080	38	33	,	,	PUNCT
ajoaa-2080	38	34	and	and	CCONJ
ajoaa-2080	38	35	lenders	lender	NOUN
ajoaa-2080	38	36	to	to	PART
ajoaa-2080	38	37	assess	assess	VERB
ajoaa-2080	38	38	their	their	PRON
ajoaa-2080	38	39	ranking	rank	VERB
ajoaa-2080	38	40	priority	priority	NOUN
ajoaa-2080	38	41	in	in	ADP
ajoaa-2080	38	42	potential	potential	ADJ
ajoaa-2080	38	43	claims	claim	NOUN
ajoaa-2080	38	44	against	against	ADP
ajoaa-2080	38	45	particular	particular	ADJ
ajoaa-2080	38	46	collateral	collateral	NOUN
ajoaa-2080	38	47	.	.	PUNCT
ajoaa-2080	39	1	the	the	DET
ajoaa-2080	39	2	main	main	ADJ
ajoaa-2080	39	3	purpose	purpose	NOUN
ajoaa-2080	39	4	of	of	ADP
ajoaa-2080	39	5	the	the	DET
ajoaa-2080	39	6	collateral	collateral	ADJ
ajoaa-2080	39	7	registry	registry	NOUN
ajoaa-2080	39	8	cited	cite	VERB
ajoaa-2080	39	9	by	by	ADP
ajoaa-2080	39	10	the	the	DET
ajoaa-2080	39	11	goz	goz	PROPN
ajoaa-2080	39	12	(	(	PUNCT
ajoaa-2080	39	13	2017	2017	NUM
ajoaa-2080	39	14	)	)	PUNCT
ajoaa-2080	39	15	is	be	AUX
ajoaa-2080	39	16	to	to	PART
ajoaa-2080	39	17	enable	enable	VERB
ajoaa-2080	39	18	commerce	commerce	NOUN
ajoaa-2080	39	19	,	,	PUNCT
ajoaa-2080	39	20	industry	industry	NOUN
ajoaa-2080	39	21	and	and	CCONJ
ajoaa-2080	39	22	other	other	ADJ
ajoaa-2080	39	23	socio	socio	NOUN
ajoaa-2080	39	24	-	-	PUNCT
ajoaa-2080	39	25	economic	economic	ADJ
ajoaa-2080	39	26	activities	activity	NOUN
ajoaa-2080	39	27	by	by	ADP
ajoaa-2080	39	28	enabling	enable	VERB
ajoaa-2080	39	29	individuals	individual	NOUN
ajoaa-2080	39	30	and	and	CCONJ
ajoaa-2080	39	31	businesses	business	NOUN
ajoaa-2080	39	32	to	to	PART
ajoaa-2080	39	33	utilize	utilize	VERB
ajoaa-2080	39	34	their	their	PRON
ajoaa-2080	39	35	movable	movable	ADJ
ajoaa-2080	39	36	property	property	NOUN
ajoaa-2080	39	37	as	as	ADP
ajoaa-2080	39	38	collateral	collateral	NOUN
ajoaa-2080	39	39	for	for	ADP
ajoaa-2080	39	40	credit	credit	NOUN
ajoaa-2080	39	41	.	.	PUNCT
ajoaa-2080	40	1	movable	movable	ADJ
ajoaa-2080	40	2	assets	asset	NOUN
ajoaa-2080	40	3	that	that	PRON
ajoaa-2080	40	4	can	can	AUX
ajoaa-2080	40	5	be	be	AUX
ajoaa-2080	40	6	used	use	VERB
ajoaa-2080	40	7	as	as	ADP
ajoaa-2080	40	8	collateral	collateral	NOUN
ajoaa-2080	40	9	include	include	VERB
ajoaa-2080	40	10	equipment	equipment	NOUN
ajoaa-2080	40	11	,	,	PUNCT
ajoaa-2080	40	12	inventory	inventory	NOUN
ajoaa-2080	40	13	,	,	PUNCT
ajoaa-2080	40	14	accounts	account	VERB
ajoaa-2080	40	15	receivable	receivable	ADJ
ajoaa-2080	40	16	,	,	PUNCT
ajoaa-2080	40	17	farm	farm	NOUN
ajoaa-2080	40	18	products	product	NOUN
ajoaa-2080	40	19	,	,	PUNCT
ajoaa-2080	40	20	household	household	NOUN
ajoaa-2080	40	21	items	item	NOUN
ajoaa-2080	40	22	,	,	PUNCT
ajoaa-2080	40	23	fixtures	fixture	NOUN
ajoaa-2080	40	24	,	,	PUNCT
ajoaa-2080	40	25	and	and	CCONJ
ajoaa-2080	40	26	bank	bank	NOUN
ajoaa-2080	40	27	accounts	account	NOUN
ajoaa-2080	40	28	,	,	PUNCT
ajoaa-2080	40	29	among	among	ADP
ajoaa-2080	40	30	others	other	NOUN
ajoaa-2080	40	31	(	(	PUNCT
ajoaa-2080	40	32	goz	goz	PROPN
ajoaa-2080	40	33	,	,	PUNCT
ajoaa-2080	40	34	2017	2017	NUM
ajoaa-2080	40	35	)	)	PUNCT
ajoaa-2080	40	36	.	.	PUNCT
ajoaa-2080	41	1	however	however	ADV
ajoaa-2080	41	2	,	,	PUNCT
ajoaa-2080	41	3	the	the	DET
ajoaa-2080	41	4	registry	registry	NOUN
ajoaa-2080	41	5	is	be	AUX
ajoaa-2080	41	6	yet	yet	ADV
ajoaa-2080	41	7	to	to	PART
ajoaa-2080	41	8	be	be	AUX
ajoaa-2080	41	9	operationalized	operationalize	VERB
ajoaa-2080	41	10	.	.	PUNCT
ajoaa-2080	42	1	the	the	DET
ajoaa-2080	42	2	government	government	NOUN
ajoaa-2080	42	3	of	of	ADP
ajoaa-2080	42	4	zimbabwe	zimbabwe	PROPN
ajoaa-2080	42	5	has	have	AUX
ajoaa-2080	42	6	also	also	ADV
ajoaa-2080	42	7	sought	seek	VERB
ajoaa-2080	42	8	to	to	PART
ajoaa-2080	42	9	improve	improve	VERB
ajoaa-2080	42	10	tenure	tenure	NOUN
ajoaa-2080	42	11	security	security	NOUN
ajoaa-2080	42	12	for	for	ADP
ajoaa-2080	42	13	the	the	DET
ajoaa-2080	42	14	land	land	NOUN
ajoaa-2080	42	15	reform	reform	NOUN
ajoaa-2080	42	16	beneficiary	beneficiary	NOUN
ajoaa-2080	42	17	farmers	farmer	NOUN
ajoaa-2080	42	18	to	to	PART
ajoaa-2080	42	19	allow	allow	VERB
ajoaa-2080	42	20	them	they	PRON
ajoaa-2080	42	21	to	to	PART
ajoaa-2080	42	22	use	use	VERB
ajoaa-2080	42	23	their	their	PRON
ajoaa-2080	42	24	landholdings	landholding	NOUN
ajoaa-2080	42	25	as	as	ADP
ajoaa-2080	42	26	collateral	collateral	NOUN
ajoaa-2080	42	27	for	for	ADP
ajoaa-2080	42	28	accessing	access	VERB
ajoaa-2080	42	29	finance	finance	NOUN
ajoaa-2080	42	30	(	(	PUNCT
ajoaa-2080	42	31	rukuni	rukuni	PROPN
ajoaa-2080	42	32	,	,	PUNCT
ajoaa-2080	42	33	2012	2012	NUM
ajoaa-2080	42	34	)	)	PUNCT
ajoaa-2080	42	35	.	.	PUNCT
ajoaa-2080	43	1	consequently	consequently	ADV
ajoaa-2080	43	2	,	,	PUNCT
ajoaa-2080	43	3	99	99	NUM
ajoaa-2080	43	4	year	year	NOUN
ajoaa-2080	43	5	lease	lease	NOUN
ajoaa-2080	43	6	agreements	agreement	NOUN
ajoaa-2080	43	7	were	be	AUX
ajoaa-2080	43	8	drafted	draft	VERB
ajoaa-2080	43	9	.	.	PUNCT
ajoaa-2080	44	1	however	however	ADV
ajoaa-2080	44	2	,	,	PUNCT
ajoaa-2080	44	3	the	the	DET
ajoaa-2080	44	4	99	99	NUM
ajoaa-2080	44	5	year	year	NOUN
ajoaa-2080	44	6	lease	lease	NOUN
ajoaa-2080	44	7	agreement	agreement	NOUN
ajoaa-2080	44	8	is	be	AUX
ajoaa-2080	44	9	still	still	ADV
ajoaa-2080	44	10	perceived	perceive	VERB
ajoaa-2080	44	11	as	as	ADP
ajoaa-2080	44	12	inadequate	inadequate	ADJ
ajoaa-2080	44	13	for	for	ADP
ajoaa-2080	44	14	banking	banking	NOUN
ajoaa-2080	44	15	purposes	purpose	NOUN
ajoaa-2080	44	16	because	because	SCONJ
ajoaa-2080	44	17	it	it	PRON
ajoaa-2080	44	18	gave	give	VERB
ajoaa-2080	44	19	all	all	DET
ajoaa-2080	44	20	the	the	DET
ajoaa-2080	44	21	powers	power	NOUN
ajoaa-2080	44	22	and	and	CCONJ
ajoaa-2080	44	23	rights	right	NOUN
ajoaa-2080	44	24	to	to	ADP
ajoaa-2080	44	25	the	the	DET
ajoaa-2080	44	26	state	state	NOUN
ajoaa-2080	44	27	and	and	CCONJ
ajoaa-2080	44	28	a	a	DET
ajoaa-2080	44	29	few	few	ADJ
ajoaa-2080	44	30	to	to	ADP
ajoaa-2080	44	31	the	the	DET
ajoaa-2080	44	32	farmer	farmer	NOUN
ajoaa-2080	44	33	.	.	PUNCT
ajoaa-2080	45	1	the	the	DET
ajoaa-2080	45	2	99	99	NUM
ajoaa-2080	45	3	year	year	NOUN
ajoaa-2080	45	4	lease	lease	NOUN
ajoaa-2080	45	5	also	also	ADV
ajoaa-2080	45	6	segregated	segregate	VERB
ajoaa-2080	45	7	against	against	ADP
ajoaa-2080	45	8	smallholder	smallholder	NOUN
ajoaa-2080	45	9	farmers	farmer	NOUN
ajoaa-2080	45	10	and	and	CCONJ
ajoaa-2080	45	11	is	be	AUX
ajoaa-2080	45	12	non	non	ADJ
ajoaa-2080	45	13	-	-	ADJ
ajoaa-2080	45	14	transferable	transferable	ADJ
ajoaa-2080	45	15	to	to	ADP
ajoaa-2080	45	16	third	third	ADJ
ajoaa-2080	45	17	parties	party	NOUN
ajoaa-2080	45	18	(	(	PUNCT
ajoaa-2080	45	19	bhatasara	bhatasara	PROPN
ajoaa-2080	45	20	,	,	PUNCT
ajoaa-2080	45	21	2011	2011	NUM
ajoaa-2080	45	22	)	)	PUNCT
ajoaa-2080	45	23	.	.	PUNCT
ajoaa-2080	46	1	the	the	DET
ajoaa-2080	46	2	government	government	NOUN
ajoaa-2080	46	3	also	also	ADV
ajoaa-2080	46	4	introduced	introduce	VERB
ajoaa-2080	46	5	the	the	DET
ajoaa-2080	46	6	command	command	NOUN
ajoaa-2080	46	7	agriculture	agriculture	NOUN
ajoaa-2080	46	8	program	program	NOUN
ajoaa-2080	46	9	in	in	ADP
ajoaa-2080	46	10	partnership	partnership	NOUN
ajoaa-2080	46	11	with	with	ADP
ajoaa-2080	46	12	the	the	DET
ajoaa-2080	46	13	private	private	ADJ
ajoaa-2080	46	14	sector	sector	NOUN
ajoaa-2080	46	15	(	(	PUNCT
ajoaa-2080	46	16	ministry	ministry	NOUN
ajoaa-2080	46	17	of	of	ADP
ajoaa-2080	46	18	finance	finance	PROPN
ajoaa-2080	46	19	and	and	CCONJ
ajoaa-2080	46	20	economic	economic	ADJ
ajoaa-2080	46	21	development	development	NOUN
ajoaa-2080	46	22	,	,	PUNCT
ajoaa-2080	46	23	2017	2017	NUM
ajoaa-2080	46	24	)	)	PUNCT
ajoaa-2080	46	25	.	.	PUNCT
ajoaa-2080	47	1	according	accord	VERB
ajoaa-2080	47	2	to	to	ADP
ajoaa-2080	47	3	echanove	echanove	PROPN
ajoaa-2080	47	4	(	(	PUNCT
ajoaa-2080	47	5	2017	2017	NUM
ajoaa-2080	47	6	)	)	PUNCT
ajoaa-2080	47	7	,	,	PUNCT
ajoaa-2080	47	8	it	it	PRON
ajoaa-2080	47	9	asian	asian	ADJ
ajoaa-2080	47	10	journal	journal	NOUN
ajoaa-2080	47	11	of	of	ADP
ajoaa-2080	47	12	agriculture	agriculture	NOUN
ajoaa-2080	47	13	and	and	CCONJ
ajoaa-2080	47	14	rural	rural	ADJ
ajoaa-2080	47	15	development	development	NOUN
ajoaa-2080	47	16	,	,	PUNCT
ajoaa-2080	47	17	10(2)2020	10(2)2020	NUM
ajoaa-2080	47	18	:	:	PUNCT
ajoaa-2080	47	19	628	628	NUM
ajoaa-2080	47	20	-	-	NUM
ajoaa-2080	47	21	644	644	NUM
ajoaa-2080	47	22	630	630	NUM
ajoaa-2080	47	23	is	be	AUX
ajoaa-2080	47	24	a	a	DET
ajoaa-2080	47	25	government	government	NOUN
ajoaa-2080	47	26	-	-	PUNCT
ajoaa-2080	47	27	mediated	mediate	VERB
ajoaa-2080	47	28	contract	contract	NOUN
ajoaa-2080	47	29	farming	farming	NOUN
ajoaa-2080	47	30	arrangement	arrangement	NOUN
ajoaa-2080	47	31	in	in	ADP
ajoaa-2080	47	32	which	which	PRON
ajoaa-2080	47	33	international	international	ADJ
ajoaa-2080	47	34	and	and	CCONJ
ajoaa-2080	47	35	domestic	domestic	ADJ
ajoaa-2080	47	36	capitalists	capitalist	NOUN
ajoaa-2080	47	37	work	work	VERB
ajoaa-2080	47	38	in	in	ADP
ajoaa-2080	47	39	alliance	alliance	NOUN
ajoaa-2080	47	40	with	with	ADP
ajoaa-2080	47	41	the	the	DET
ajoaa-2080	47	42	local	local	ADJ
ajoaa-2080	47	43	banks	bank	NOUN
ajoaa-2080	47	44	.	.	PUNCT
ajoaa-2080	48	1	in	in	ADP
ajoaa-2080	48	2	the	the	DET
ajoaa-2080	48	3	2018	2018	NUM
ajoaa-2080	48	4	budget	budget	NOUN
ajoaa-2080	48	5	statement	statement	NOUN
ajoaa-2080	48	6	,	,	PUNCT
ajoaa-2080	48	7	the	the	DET
ajoaa-2080	48	8	ministry	ministry	PROPN
ajoaa-2080	48	9	of	of	ADP
ajoaa-2080	48	10	finance	finance	PROPN
ajoaa-2080	48	11	and	and	CCONJ
ajoaa-2080	48	12	economic	economic	ADJ
ajoaa-2080	48	13	development	development	NOUN
ajoaa-2080	48	14	(	(	PUNCT
ajoaa-2080	48	15	2017	2017	NUM
ajoaa-2080	48	16	)	)	PUNCT
ajoaa-2080	48	17	revealed	reveal	VERB
ajoaa-2080	48	18	that	that	SCONJ
ajoaa-2080	48	19	the	the	DET
ajoaa-2080	48	20	thrust	thrust	NOUN
ajoaa-2080	48	21	behind	behind	ADP
ajoaa-2080	48	22	command	command	NOUN
ajoaa-2080	48	23	agriculture	agriculture	NOUN
ajoaa-2080	48	24	was	be	AUX
ajoaa-2080	48	25	on	on	ADP
ajoaa-2080	48	26	the	the	DET
ajoaa-2080	48	27	full	full	ADJ
ajoaa-2080	48	28	,	,	PUNCT
ajoaa-2080	48	29	efficient	efficient	ADJ
ajoaa-2080	48	30	and	and	CCONJ
ajoaa-2080	48	31	sustainable	sustainable	ADJ
ajoaa-2080	48	32	utilization	utilization	NOUN
ajoaa-2080	48	33	of	of	ADP
ajoaa-2080	48	34	allocated	allocate	VERB
ajoaa-2080	48	35	land	land	NOUN
ajoaa-2080	48	36	for	for	ADP
ajoaa-2080	48	37	increased	increase	VERB
ajoaa-2080	48	38	investment	investment	NOUN
ajoaa-2080	48	39	and	and	CCONJ
ajoaa-2080	48	40	production	production	NOUN
ajoaa-2080	48	41	.	.	PUNCT
ajoaa-2080	49	1	as	as	ADP
ajoaa-2080	49	2	a	a	DET
ajoaa-2080	49	3	result	result	NOUN
ajoaa-2080	49	4	,	,	PUNCT
ajoaa-2080	49	5	more	more	ADJ
ajoaa-2080	49	6	than	than	ADP
ajoaa-2080	49	7	us$2	us$2	ADJ
ajoaa-2080	49	8	billion	billion	NUM
ajoaa-2080	49	9	was	be	AUX
ajoaa-2080	49	10	directed	direct	VERB
ajoaa-2080	49	11	towards	towards	ADP
ajoaa-2080	49	12	the	the	DET
ajoaa-2080	49	13	program	program	NOUN
ajoaa-2080	49	14	through	through	ADP
ajoaa-2080	49	15	treasury	treasury	NOUN
ajoaa-2080	49	16	bills	bill	NOUN
ajoaa-2080	49	17	(	(	PUNCT
ajoaa-2080	49	18	shonhe	shonhe	NOUN
ajoaa-2080	49	19	,	,	PUNCT
ajoaa-2080	49	20	2018	2018	NUM
ajoaa-2080	49	21	)	)	PUNCT
ajoaa-2080	49	22	.	.	PUNCT
ajoaa-2080	50	1	however	however	ADV
ajoaa-2080	50	2	,	,	PUNCT
ajoaa-2080	50	3	the	the	DET
ajoaa-2080	50	4	main	main	ADJ
ajoaa-2080	50	5	shortfall	shortfall	NOUN
ajoaa-2080	50	6	of	of	ADP
ajoaa-2080	50	7	the	the	DET
ajoaa-2080	50	8	command	command	NOUN
ajoaa-2080	50	9	agriculture	agriculture	NOUN
ajoaa-2080	50	10	program	program	NOUN
ajoaa-2080	50	11	was	be	AUX
ajoaa-2080	50	12	that	that	SCONJ
ajoaa-2080	50	13	it	it	PRON
ajoaa-2080	50	14	also	also	ADV
ajoaa-2080	50	15	segregated	segregate	VERB
ajoaa-2080	50	16	against	against	ADP
ajoaa-2080	50	17	the	the	DET
ajoaa-2080	50	18	small	small	ADJ
ajoaa-2080	50	19	farmers	farmer	NOUN
ajoaa-2080	50	20	who	who	PRON
ajoaa-2080	50	21	are	be	AUX
ajoaa-2080	50	22	in	in	ADP
ajoaa-2080	50	23	most	most	ADJ
ajoaa-2080	50	24	need	need	NOUN
ajoaa-2080	50	25	of	of	ADP
ajoaa-2080	50	26	support	support	NOUN
ajoaa-2080	50	27	in	in	ADP
ajoaa-2080	50	28	zimbabwe	zimbabwe	PROPN
ajoaa-2080	50	29	(	(	PUNCT
ajoaa-2080	50	30	echanove	echanove	PROPN
ajoaa-2080	50	31	,	,	PUNCT
ajoaa-2080	50	32	2017	2017	NUM
ajoaa-2080	50	33	)	)	PUNCT
ajoaa-2080	50	34	.	.	PUNCT
ajoaa-2080	51	1	apart	apart	ADV
ajoaa-2080	51	2	from	from	ADP
ajoaa-2080	51	3	the	the	DET
ajoaa-2080	51	4	command	command	NOUN
ajoaa-2080	51	5	agriculture	agriculture	NOUN
ajoaa-2080	51	6	program	program	NOUN
ajoaa-2080	51	7	,	,	PUNCT
ajoaa-2080	51	8	the	the	DET
ajoaa-2080	51	9	collateral	collateral	ADJ
ajoaa-2080	51	10	registry	registry	NOUN
ajoaa-2080	51	11	and	and	CCONJ
ajoaa-2080	51	12	the	the	DET
ajoaa-2080	51	13	99	99	NUM
ajoaa-2080	51	14	year	year	NOUN
ajoaa-2080	51	15	lease	lease	NOUN
ajoaa-2080	51	16	agreements	agreement	NOUN
ajoaa-2080	51	17	were	be	AUX
ajoaa-2080	51	18	solely	solely	ADV
ajoaa-2080	51	19	focused	focused	ADJ
ajoaa-2080	51	20	on	on	ADP
ajoaa-2080	51	21	solving	solve	VERB
ajoaa-2080	51	22	the	the	DET
ajoaa-2080	51	23	collateral	collateral	ADJ
ajoaa-2080	51	24	problem	problem	NOUN
ajoaa-2080	51	25	among	among	ADP
ajoaa-2080	51	26	farmers	farmer	NOUN
ajoaa-2080	51	27	in	in	ADP
ajoaa-2080	51	28	zimbabwe	zimbabwe	PROPN
ajoaa-2080	51	29	.	.	PUNCT
ajoaa-2080	52	1	this	this	DET
ajoaa-2080	52	2	observation	observation	NOUN
ajoaa-2080	52	3	raises	raise	VERB
ajoaa-2080	52	4	concerns	concern	NOUN
ajoaa-2080	52	5	over	over	ADP
ajoaa-2080	52	6	the	the	DET
ajoaa-2080	52	7	ability	ability	NOUN
ajoaa-2080	52	8	of	of	ADP
ajoaa-2080	52	9	farmers	farmer	NOUN
ajoaa-2080	52	10	to	to	PART
ajoaa-2080	52	11	access	access	VERB
ajoaa-2080	52	12	bank	bank	NOUN
ajoaa-2080	52	13	credit	credit	NOUN
ajoaa-2080	52	14	in	in	ADP
ajoaa-2080	52	15	the	the	DET
ajoaa-2080	52	16	long	long	ADJ
ajoaa-2080	52	17	run	run	NOUN
ajoaa-2080	52	18	even	even	ADV
ajoaa-2080	52	19	if	if	SCONJ
ajoaa-2080	52	20	they	they	PRON
ajoaa-2080	52	21	manage	manage	VERB
ajoaa-2080	52	22	to	to	PART
ajoaa-2080	52	23	have	have	VERB
ajoaa-2080	52	24	their	their	PRON
ajoaa-2080	52	25	collateral	collateral	ADJ
ajoaa-2080	52	26	deficiency	deficiency	NOUN
ajoaa-2080	52	27	problems	problem	NOUN
ajoaa-2080	52	28	addressed	address	VERB
ajoaa-2080	52	29	.	.	PUNCT
ajoaa-2080	53	1	in	in	ADP
ajoaa-2080	53	2	other	other	ADJ
ajoaa-2080	53	3	words	word	NOUN
ajoaa-2080	53	4	,	,	PUNCT
ajoaa-2080	53	5	the	the	DET
ajoaa-2080	53	6	study	study	NOUN
ajoaa-2080	53	7	argues	argue	VERB
ajoaa-2080	53	8	that	that	SCONJ
ajoaa-2080	53	9	policy	policy	NOUN
ajoaa-2080	53	10	direction	direction	NOUN
ajoaa-2080	53	11	in	in	ADP
ajoaa-2080	53	12	zimbabwe	zimbabwe	PROPN
ajoaa-2080	53	13	,	,	PUNCT
ajoaa-2080	53	14	which	which	PRON
ajoaa-2080	53	15	is	be	AUX
ajoaa-2080	53	16	concentrating	concentrate	VERB
ajoaa-2080	53	17	on	on	ADP
ajoaa-2080	53	18	solving	solve	VERB
ajoaa-2080	53	19	the	the	DET
ajoaa-2080	53	20	collateral	collateral	ADJ
ajoaa-2080	53	21	problem	problem	NOUN
ajoaa-2080	53	22	alone	alone	ADV
ajoaa-2080	53	23	,	,	PUNCT
ajoaa-2080	53	24	is	be	AUX
ajoaa-2080	53	25	not	not	PART
ajoaa-2080	53	26	enough	enough	ADJ
ajoaa-2080	53	27	to	to	PART
ajoaa-2080	53	28	address	address	VERB
ajoaa-2080	53	29	the	the	DET
ajoaa-2080	53	30	agricultural	agricultural	ADJ
ajoaa-2080	53	31	financing	financing	NOUN
ajoaa-2080	53	32	gap	gap	NOUN
ajoaa-2080	53	33	in	in	ADP
ajoaa-2080	53	34	zimbabwe	zimbabwe	PROPN
ajoaa-2080	53	35	.	.	PUNCT
ajoaa-2080	54	1	according	accord	VERB
ajoaa-2080	54	2	to	to	ADP
ajoaa-2080	54	3	owusu	owusu	NOUN
ajoaa-2080	54	4	-	-	NOUN
ajoaa-2080	54	5	dankwa	dankwa	PROPN
ajoaa-2080	54	6	and	and	CCONJ
ajoaa-2080	54	7	badu	badu	ADJ
ajoaa-2080	54	8	(	(	PUNCT
ajoaa-2080	54	9	2013	2013	NUM
ajoaa-2080	54	10	)	)	PUNCT
ajoaa-2080	54	11	,	,	PUNCT
ajoaa-2080	54	12	banks	bank	NOUN
ajoaa-2080	54	13	screen	screen	VERB
ajoaa-2080	54	14	loans	loan	NOUN
ajoaa-2080	54	15	through	through	ADP
ajoaa-2080	54	16	several	several	ADJ
ajoaa-2080	54	17	lending	lending	NOUN
ajoaa-2080	54	18	requirements	requirement	NOUN
ajoaa-2080	54	19	to	to	PART
ajoaa-2080	54	20	analyse	analyse	VERB
ajoaa-2080	54	21	borrowers	borrower	NOUN
ajoaa-2080	54	22	who	who	PRON
ajoaa-2080	54	23	are	be	AUX
ajoaa-2080	54	24	likely	likely	ADJ
ajoaa-2080	54	25	to	to	PART
ajoaa-2080	54	26	default	default	VERB
ajoaa-2080	54	27	,	,	PUNCT
ajoaa-2080	54	28	to	to	PART
ajoaa-2080	54	29	add	add	VERB
ajoaa-2080	54	30	an	an	DET
ajoaa-2080	54	31	incentive	incentive	NOUN
ajoaa-2080	54	32	for	for	SCONJ
ajoaa-2080	54	33	the	the	DET
ajoaa-2080	54	34	borrower	borrower	NOUN
ajoaa-2080	54	35	to	to	PART
ajoaa-2080	54	36	repay	repay	VERB
ajoaa-2080	54	37	the	the	DET
ajoaa-2080	54	38	loan	loan	NOUN
ajoaa-2080	54	39	,	,	PUNCT
ajoaa-2080	54	40	to	to	PART
ajoaa-2080	54	41	offset	offset	VERB
ajoaa-2080	54	42	the	the	DET
ajoaa-2080	54	43	cost	cost	NOUN
ajoaa-2080	54	44	to	to	ADP
ajoaa-2080	54	45	the	the	DET
ajoaa-2080	54	46	lender	lender	NOUN
ajoaa-2080	54	47	of	of	ADP
ajoaa-2080	54	48	a	a	DET
ajoaa-2080	54	49	loan	loan	NOUN
ajoaa-2080	54	50	default	default	NOUN
ajoaa-2080	54	51	,	,	PUNCT
ajoaa-2080	54	52	and	and	CCONJ
ajoaa-2080	54	53	to	to	PART
ajoaa-2080	54	54	reduce	reduce	VERB
ajoaa-2080	54	55	the	the	DET
ajoaa-2080	54	56	lending	lending	NOUN
ajoaa-2080	54	57	risk	risk	NOUN
ajoaa-2080	54	58	.	.	PUNCT
ajoaa-2080	55	1	banks	bank	NOUN
ajoaa-2080	55	2	are	be	AUX
ajoaa-2080	55	3	usually	usually	ADV
ajoaa-2080	55	4	guided	guide	VERB
ajoaa-2080	55	5	by	by	ADP
ajoaa-2080	55	6	different	different	ADJ
ajoaa-2080	55	7	lending	lending	NOUN
ajoaa-2080	55	8	models	model	NOUN
ajoaa-2080	55	9	that	that	PRON
ajoaa-2080	55	10	provide	provide	VERB
ajoaa-2080	55	11	a	a	DET
ajoaa-2080	55	12	checklist	checklist	NOUN
ajoaa-2080	55	13	of	of	ADP
ajoaa-2080	55	14	what	what	PRON
ajoaa-2080	55	15	they	they	PRON
ajoaa-2080	55	16	have	have	AUX
ajoaa-2080	55	17	to	to	PART
ajoaa-2080	55	18	consider	consider	VERB
ajoaa-2080	55	19	before	before	ADP
ajoaa-2080	55	20	granting	grant	VERB
ajoaa-2080	55	21	a	a	DET
ajoaa-2080	55	22	loan	loan	NOUN
ajoaa-2080	55	23	to	to	ADP
ajoaa-2080	55	24	a	a	DET
ajoaa-2080	55	25	borrower	borrower	NOUN
ajoaa-2080	55	26	.	.	PUNCT
ajoaa-2080	56	1	such	such	ADJ
ajoaa-2080	56	2	models	model	NOUN
ajoaa-2080	56	3	include	include	VERB
ajoaa-2080	56	4	the	the	DET
ajoaa-2080	56	5	5c	5c	NOUN
ajoaa-2080	56	6	's	's	PART
ajoaa-2080	56	7	of	of	ADP
ajoaa-2080	56	8	credit	credit	NOUN
ajoaa-2080	56	9	(	(	PUNCT
ajoaa-2080	56	10	character	character	NOUN
ajoaa-2080	56	11	,	,	PUNCT
ajoaa-2080	56	12	capacity	capacity	NOUN
ajoaa-2080	56	13	,	,	PUNCT
ajoaa-2080	56	14	capital	capital	NOUN
ajoaa-2080	56	15	,	,	PUNCT
ajoaa-2080	56	16	collateral	collateral	NOUN
ajoaa-2080	56	17	and	and	CCONJ
ajoaa-2080	56	18	conditions	condition	NOUN
ajoaa-2080	56	19	)	)	PUNCT
ajoaa-2080	56	20	;	;	PUNCT
ajoaa-2080	56	21	the	the	DET
ajoaa-2080	56	22	5p	5p	PROPN
ajoaa-2080	56	23	's	's	PART
ajoaa-2080	56	24	(	(	PUNCT
ajoaa-2080	56	25	person	person	NOUN
ajoaa-2080	56	26	,	,	PUNCT
ajoaa-2080	56	27	payment	payment	NOUN
ajoaa-2080	56	28	,	,	PUNCT
ajoaa-2080	56	29	principal	principal	NOUN
ajoaa-2080	56	30	,	,	PUNCT
ajoaa-2080	56	31	purpose	purpose	NOUN
ajoaa-2080	56	32	and	and	CCONJ
ajoaa-2080	56	33	protection	protection	NOUN
ajoaa-2080	56	34	)	)	PUNCT
ajoaa-2080	56	35	;	;	PUNCT
ajoaa-2080	56	36	the	the	DET
ajoaa-2080	56	37	lapp	lapp	NOUN
ajoaa-2080	56	38	(	(	PUNCT
ajoaa-2080	56	39	liquidity	liquidity	NOUN
ajoaa-2080	56	40	,	,	PUNCT
ajoaa-2080	56	41	activity	activity	NOUN
ajoaa-2080	56	42	,	,	PUNCT
ajoaa-2080	56	43	profitability	profitability	NOUN
ajoaa-2080	56	44	and	and	CCONJ
ajoaa-2080	56	45	potential	potential	NOUN
ajoaa-2080	56	46	)	)	PUNCT
ajoaa-2080	56	47	;	;	PUNCT
ajoaa-2080	56	48	the	the	DET
ajoaa-2080	56	49	campari	campari	NOUN
ajoaa-2080	56	50	(	(	PUNCT
ajoaa-2080	56	51	character	character	NOUN
ajoaa-2080	56	52	,	,	PUNCT
ajoaa-2080	56	53	ability	ability	NOUN
ajoaa-2080	56	54	,	,	PUNCT
ajoaa-2080	56	55	margin	margin	NOUN
ajoaa-2080	56	56	,	,	PUNCT
ajoaa-2080	56	57	purpose	purpose	NOUN
ajoaa-2080	56	58	,	,	PUNCT
ajoaa-2080	56	59	amount	amount	NOUN
ajoaa-2080	56	60	,	,	PUNCT
ajoaa-2080	56	61	repayment	repayment	NOUN
ajoaa-2080	56	62	and	and	CCONJ
ajoaa-2080	56	63	insurance	insurance	NOUN
ajoaa-2080	56	64	)	)	PUNCT
ajoaa-2080	56	65	and	and	CCONJ
ajoaa-2080	56	66	financial	financial	ADJ
ajoaa-2080	56	67	analysis	analysis	NOUN
ajoaa-2080	56	68	and	and	CCONJ
ajoaa-2080	56	69	past	past	ADJ
ajoaa-2080	56	70	experiences	experience	NOUN
ajoaa-2080	56	71	(	(	PUNCT
ajoaa-2080	56	72	fape	fape	NOUN
ajoaa-2080	56	73	)	)	PUNCT
ajoaa-2080	56	74	(	(	PUNCT
ajoaa-2080	56	75	abbadi	abbadi	NOUN
ajoaa-2080	56	76	and	and	CCONJ
ajoaa-2080	56	77	karsh	karsh	PROPN
ajoaa-2080	56	78	,	,	PUNCT
ajoaa-2080	56	79	2013	2013	NUM
ajoaa-2080	56	80	)	)	PUNCT
ajoaa-2080	56	81	.	.	PUNCT
ajoaa-2080	57	1	therefore	therefore	ADV
ajoaa-2080	57	2	,	,	PUNCT
ajoaa-2080	57	3	this	this	DET
ajoaa-2080	57	4	study	study	NOUN
ajoaa-2080	57	5	sought	seek	VERB
ajoaa-2080	57	6	to	to	PART
ajoaa-2080	57	7	comprehend	comprehend	VERB
ajoaa-2080	57	8	the	the	DET
ajoaa-2080	57	9	extent	extent	NOUN
ajoaa-2080	57	10	to	to	PART
ajoaa-2080	57	11	which	which	PRON
ajoaa-2080	57	12	zimbabwean	zimbabwean	ADJ
ajoaa-2080	57	13	commercial	commercial	ADJ
ajoaa-2080	57	14	banks	bank	NOUN
ajoaa-2080	57	15	consider	consider	VERB
ajoaa-2080	57	16	different	different	ADJ
ajoaa-2080	57	17	lending	lending	NOUN
ajoaa-2080	57	18	requirements	requirement	NOUN
ajoaa-2080	57	19	postulated	postulate	VERB
ajoaa-2080	57	20	by	by	ADP
ajoaa-2080	57	21	theoretical	theoretical	ADJ
ajoaa-2080	57	22	and	and	CCONJ
ajoaa-2080	57	23	empirical	empirical	ADJ
ajoaa-2080	57	24	literature	literature	NOUN
ajoaa-2080	57	25	when	when	SCONJ
ajoaa-2080	57	26	lending	lend	VERB
ajoaa-2080	57	27	to	to	ADP
ajoaa-2080	57	28	farmers	farmer	NOUN
ajoaa-2080	57	29	.	.	PUNCT
ajoaa-2080	58	1	2	2	X
ajoaa-2080	58	2	.	.	X
ajoaa-2080	58	3	materials	material	NOUN
ajoaa-2080	58	4	and	and	CCONJ
ajoaa-2080	58	5	methods	method	NOUN
ajoaa-2080	58	6	the	the	DET
ajoaa-2080	58	7	study	study	NOUN
ajoaa-2080	58	8	was	be	AUX
ajoaa-2080	58	9	conducted	conduct	VERB
ajoaa-2080	58	10	in	in	ADP
ajoaa-2080	58	11	harare	harare	PROPN
ajoaa-2080	58	12	,	,	PUNCT
ajoaa-2080	58	13	zimbabwe	zimbabwe	PROPN
ajoaa-2080	58	14	,	,	PUNCT
ajoaa-2080	58	15	in	in	ADP
ajoaa-2080	58	16	october	october	PROPN
ajoaa-2080	58	17	2019	2019	NUM
ajoaa-2080	58	18	.	.	PUNCT
ajoaa-2080	59	1	harare	harare	PROPN
ajoaa-2080	59	2	is	be	AUX
ajoaa-2080	59	3	the	the	DET
ajoaa-2080	59	4	capital	capital	NOUN
ajoaa-2080	59	5	city	city	NOUN
ajoaa-2080	59	6	of	of	ADP
ajoaa-2080	59	7	zimbabwe	zimbabwe	PROPN
ajoaa-2080	59	8	,	,	PUNCT
ajoaa-2080	59	9	where	where	SCONJ
ajoaa-2080	59	10	most	most	ADJ
ajoaa-2080	59	11	of	of	ADP
ajoaa-2080	59	12	the	the	DET
ajoaa-2080	59	13	commercial	commercial	ADJ
ajoaa-2080	59	14	banks	bank	NOUN
ajoaa-2080	59	15	'	'	PART
ajoaa-2080	59	16	head	head	NOUN
ajoaa-2080	59	17	offices	office	NOUN
ajoaa-2080	59	18	are	be	AUX
ajoaa-2080	59	19	located	locate	VERB
ajoaa-2080	59	20	.	.	PUNCT
ajoaa-2080	60	1	hence	hence	ADV
ajoaa-2080	60	2	,	,	PUNCT
ajoaa-2080	60	3	its	its	PRON
ajoaa-2080	60	4	selection	selection	NOUN
ajoaa-2080	60	5	as	as	ADP
ajoaa-2080	60	6	the	the	DET
ajoaa-2080	60	7	study	study	NOUN
ajoaa-2080	60	8	area	area	NOUN
ajoaa-2080	60	9	.	.	PUNCT
ajoaa-2080	61	1	the	the	DET
ajoaa-2080	61	2	study	study	NOUN
ajoaa-2080	61	3	was	be	AUX
ajoaa-2080	61	4	guided	guide	VERB
ajoaa-2080	61	5	by	by	ADP
ajoaa-2080	61	6	the	the	DET
ajoaa-2080	61	7	pragmatism	pragmatism	NOUN
ajoaa-2080	61	8	research	research	NOUN
ajoaa-2080	61	9	philosophy	philosophy	NOUN
ajoaa-2080	61	10	and	and	CCONJ
ajoaa-2080	61	11	adopted	adopt	VERB
ajoaa-2080	61	12	both	both	CCONJ
ajoaa-2080	61	13	quantitative	quantitative	ADJ
ajoaa-2080	61	14	and	and	CCONJ
ajoaa-2080	61	15	qualitative	qualitative	ADJ
ajoaa-2080	61	16	methods	method	NOUN
ajoaa-2080	61	17	in	in	ADP
ajoaa-2080	61	18	answering	answer	VERB
ajoaa-2080	61	19	its	its	PRON
ajoaa-2080	61	20	objectives	objective	NOUN
ajoaa-2080	61	21	.	.	PUNCT
ajoaa-2080	62	1	qualitative	qualitative	ADJ
ajoaa-2080	62	2	methods	method	NOUN
ajoaa-2080	62	3	were	be	AUX
ajoaa-2080	62	4	used	use	VERB
ajoaa-2080	62	5	to	to	PART
ajoaa-2080	62	6	support	support	VERB
ajoaa-2080	62	7	the	the	DET
ajoaa-2080	62	8	study	study	NOUN
ajoaa-2080	62	9	's	's	PART
ajoaa-2080	62	10	quantitative	quantitative	ADJ
ajoaa-2080	62	11	findings	finding	NOUN
ajoaa-2080	62	12	.	.	PUNCT
ajoaa-2080	63	1	the	the	DET
ajoaa-2080	63	2	study	study	NOUN
ajoaa-2080	63	3	's	's	PART
ajoaa-2080	63	4	population	population	NOUN
ajoaa-2080	63	5	was	be	AUX
ajoaa-2080	63	6	comprised	comprise	VERB
ajoaa-2080	63	7	of	of	ADP
ajoaa-2080	63	8	13	13	NUM
ajoaa-2080	63	9	registered	register	VERB
ajoaa-2080	63	10	commercial	commercial	ADJ
ajoaa-2080	63	11	banks	bank	NOUN
ajoaa-2080	63	12	in	in	ADP
ajoaa-2080	63	13	zimbabwe	zimbabwe	PROPN
ajoaa-2080	63	14	(	(	PUNCT
ajoaa-2080	63	15	rbz	rbz	PROPN
ajoaa-2080	63	16	,	,	PUNCT
ajoaa-2080	63	17	2019	2019	NUM
ajoaa-2080	63	18	)	)	PUNCT
ajoaa-2080	63	19	.	.	PUNCT
ajoaa-2080	64	1	however	however	ADV
ajoaa-2080	64	2	,	,	PUNCT
ajoaa-2080	64	3	only	only	ADV
ajoaa-2080	64	4	12	12	NUM
ajoaa-2080	64	5	commercial	commercial	ADJ
ajoaa-2080	64	6	banks	bank	NOUN
ajoaa-2080	64	7	are	be	AUX
ajoaa-2080	64	8	currently	currently	ADV
ajoaa-2080	64	9	operational	operational	ADJ
ajoaa-2080	64	10	in	in	ADP
ajoaa-2080	64	11	the	the	DET
ajoaa-2080	64	12	country	country	NOUN
ajoaa-2080	64	13	.	.	PUNCT
ajoaa-2080	65	1	therefore	therefore	ADV
ajoaa-2080	65	2	,	,	PUNCT
ajoaa-2080	65	3	the	the	DET
ajoaa-2080	65	4	study	study	NOUN
ajoaa-2080	65	5	's	's	PART
ajoaa-2080	65	6	sample	sample	NOUN
ajoaa-2080	65	7	was	be	AUX
ajoaa-2080	65	8	made	make	VERB
ajoaa-2080	65	9	up	up	ADP
ajoaa-2080	65	10	of	of	ADP
ajoaa-2080	65	11	all	all	DET
ajoaa-2080	65	12	the	the	DET
ajoaa-2080	65	13	12	12	NUM
ajoaa-2080	65	14	operational	operational	ADJ
ajoaa-2080	65	15	commercial	commercial	ADJ
ajoaa-2080	65	16	banks	bank	NOUN
ajoaa-2080	65	17	in	in	ADP
ajoaa-2080	65	18	zimbabwe	zimbabwe	PROPN
ajoaa-2080	65	19	.	.	PUNCT
ajoaa-2080	66	1	an	an	DET
ajoaa-2080	66	2	interviewer	interviewer	ADV
ajoaa-2080	66	3	-	-	PUNCT
ajoaa-2080	66	4	administered	administer	VERB
ajoaa-2080	66	5	structured	structured	ADJ
ajoaa-2080	66	6	questionnaire	questionnaire	NOUN
ajoaa-2080	66	7	was	be	AUX
ajoaa-2080	66	8	used	use	VERB
ajoaa-2080	66	9	to	to	PART
ajoaa-2080	66	10	collect	collect	VERB
ajoaa-2080	66	11	quantitative	quantitative	ADJ
ajoaa-2080	66	12	data	datum	NOUN
ajoaa-2080	66	13	from	from	ADP
ajoaa-2080	66	14	bank	bank	NOUN
ajoaa-2080	66	15	credit	credit	NOUN
ajoaa-2080	66	16	officers	officer	NOUN
ajoaa-2080	66	17	from	from	ADP
ajoaa-2080	66	18	the	the	DET
ajoaa-2080	66	19	agribusiness	agribusiness	NOUN
ajoaa-2080	66	20	units	unit	NOUN
ajoaa-2080	66	21	of	of	ADP
ajoaa-2080	66	22	the	the	DET
ajoaa-2080	66	23	targeted	target	VERB
ajoaa-2080	66	24	commercial	commercial	ADJ
ajoaa-2080	66	25	banks	bank	NOUN
ajoaa-2080	66	26	.	.	PUNCT
ajoaa-2080	67	1	the	the	DET
ajoaa-2080	67	2	questionnaire	questionnaire	NOUN
ajoaa-2080	67	3	included	include	VERB
ajoaa-2080	67	4	some	some	DET
ajoaa-2080	67	5	open	open	ADV
ajoaa-2080	67	6	-	-	PUNCT
ajoaa-2080	67	7	ended	end	VERB
ajoaa-2080	67	8	sections	section	NOUN
ajoaa-2080	67	9	where	where	SCONJ
ajoaa-2080	67	10	the	the	DET
ajoaa-2080	67	11	respondents	respondent	NOUN
ajoaa-2080	67	12	were	be	AUX
ajoaa-2080	67	13	allowed	allow	VERB
ajoaa-2080	67	14	to	to	PART
ajoaa-2080	67	15	elaborate	elaborate	VERB
ajoaa-2080	67	16	on	on	ADP
ajoaa-2080	67	17	the	the	DET
ajoaa-2080	67	18	importance	importance	NOUN
ajoaa-2080	67	19	of	of	ADP
ajoaa-2080	67	20	various	various	ADJ
ajoaa-2080	67	21	lending	lending	NOUN
ajoaa-2080	67	22	requirements	requirement	NOUN
ajoaa-2080	67	23	they	they	PRON
ajoaa-2080	67	24	considered	consider	VERB
ajoaa-2080	67	25	when	when	SCONJ
ajoaa-2080	67	26	lending	lend	VERB
ajoaa-2080	67	27	to	to	ADP
ajoaa-2080	67	28	farmers	farmer	NOUN
ajoaa-2080	67	29	in	in	ADP
ajoaa-2080	67	30	zimbabwe	zimbabwe	PROPN
ajoaa-2080	67	31	.	.	PUNCT
ajoaa-2080	68	1	2.1	2.1	NUM
ajoaa-2080	68	2	.	.	PUNCT
ajoaa-2080	69	1	quantitative	quantitative	ADJ
ajoaa-2080	69	2	data	datum	NOUN
ajoaa-2080	69	3	analysis	analysis	NOUN
ajoaa-2080	69	4	a	a	DET
ajoaa-2080	69	5	3	3	NUM
ajoaa-2080	69	6	-	-	PUNCT
ajoaa-2080	69	7	point	point	NOUN
ajoaa-2080	69	8	likert	likert	ADJ
ajoaa-2080	69	9	scale	scale	NOUN
ajoaa-2080	69	10	was	be	AUX
ajoaa-2080	69	11	used	use	VERB
ajoaa-2080	69	12	to	to	PART
ajoaa-2080	69	13	establish	establish	VERB
ajoaa-2080	69	14	the	the	DET
ajoaa-2080	69	15	extent	extent	NOUN
ajoaa-2080	69	16	to	to	PART
ajoaa-2080	69	17	which	which	PRON
ajoaa-2080	69	18	commercial	commercial	ADJ
ajoaa-2080	69	19	banks	bank	NOUN
ajoaa-2080	69	20	in	in	ADP
ajoaa-2080	69	21	zimbabwe	zimbabwe	PROPN
ajoaa-2080	69	22	considered	consider	VERB
ajoaa-2080	69	23	various	various	ADJ
ajoaa-2080	69	24	lending	lending	NOUN
ajoaa-2080	69	25	conditions	condition	NOUN
ajoaa-2080	69	26	derived	derive	VERB
ajoaa-2080	69	27	from	from	ADP
ajoaa-2080	69	28	the	the	DET
ajoaa-2080	69	29	campari	campari	ADJ
ajoaa-2080	69	30	model	model	NOUN
ajoaa-2080	69	31	and	and	CCONJ
ajoaa-2080	69	32	other	other	ADJ
ajoaa-2080	69	33	requirements	requirement	NOUN
ajoaa-2080	69	34	stated	state	VERB
ajoaa-2080	69	35	by	by	ADP
ajoaa-2080	69	36	empirical	empirical	ADJ
ajoaa-2080	69	37	literature	literature	NOUN
ajoaa-2080	69	38	as	as	ADP
ajoaa-2080	69	39	important	important	ADJ
ajoaa-2080	69	40	requirements	requirement	NOUN
ajoaa-2080	69	41	for	for	ADP
ajoaa-2080	69	42	lending	lending	NOUN
ajoaa-2080	69	43	.	.	PUNCT
ajoaa-2080	70	1	the	the	DET
ajoaa-2080	70	2	campari	campari	ADJ
ajoaa-2080	70	3	model	model	NOUN
ajoaa-2080	70	4	postulates	postulate	VERB
ajoaa-2080	70	5	that	that	SCONJ
ajoaa-2080	70	6	banks	bank	NOUN
ajoaa-2080	70	7	consider	consider	VERB
ajoaa-2080	70	8	several	several	ADJ
ajoaa-2080	70	9	conditions	condition	NOUN
ajoaa-2080	70	10	related	relate	VERB
ajoaa-2080	70	11	to	to	ADP
ajoaa-2080	70	12	borrower	borrower	NOUN
ajoaa-2080	70	13	character	character	NOUN
ajoaa-2080	70	14	,	,	PUNCT
ajoaa-2080	70	15	ability	ability	NOUN
ajoaa-2080	70	16	to	to	PART
ajoaa-2080	70	17	run	run	VERB
ajoaa-2080	70	18	the	the	DET
ajoaa-2080	70	19	business	business	NOUN
ajoaa-2080	70	20	,	,	PUNCT
ajoaa-2080	70	21	the	the	DET
ajoaa-2080	70	22	margin	margin	NOUN
ajoaa-2080	70	23	of	of	ADP
ajoaa-2080	70	24	finance	finance	NOUN
ajoaa-2080	70	25	,	,	PUNCT
ajoaa-2080	70	26	the	the	DET
ajoaa-2080	70	27	purpose	purpose	NOUN
ajoaa-2080	70	28	of	of	ADP
ajoaa-2080	70	29	the	the	DET
ajoaa-2080	70	30	loan	loan	NOUN
ajoaa-2080	70	31	,	,	PUNCT
ajoaa-2080	70	32	the	the	DET
ajoaa-2080	70	33	amount	amount	NOUN
ajoaa-2080	70	34	requested	request	VERB
ajoaa-2080	70	35	,	,	PUNCT
ajoaa-2080	70	36	repayment	repayment	NOUN
ajoaa-2080	70	37	ability	ability	NOUN
ajoaa-2080	70	38	,	,	PUNCT
ajoaa-2080	70	39	and	and	CCONJ
ajoaa-2080	70	40	insurance	insurance	NOUN
ajoaa-2080	70	41	before	before	ADP
ajoaa-2080	70	42	granting	grant	VERB
ajoaa-2080	70	43	loans	loan	NOUN
ajoaa-2080	70	44	(	(	PUNCT
ajoaa-2080	70	45	rouse	rouse	VERB
ajoaa-2080	70	46	,	,	PUNCT
ajoaa-2080	70	47	1989	1989	NUM
ajoaa-2080	70	48	)	)	PUNCT
ajoaa-2080	70	49	.	.	PUNCT
ajoaa-2080	71	1	some	some	DET
ajoaa-2080	71	2	factors	factor	NOUN
ajoaa-2080	71	3	related	relate	VERB
ajoaa-2080	71	4	to	to	ADP
ajoaa-2080	71	5	these	these	DET
ajoaa-2080	71	6	campari	campari	ADJ
ajoaa-2080	71	7	lending	lending	NOUN
ajoaa-2080	71	8	requirements	requirement	NOUN
ajoaa-2080	71	9	were	be	AUX
ajoaa-2080	71	10	selected	select	VERB
ajoaa-2080	71	11	for	for	ADP
ajoaa-2080	71	12	rating	rating	NOUN
ajoaa-2080	71	13	by	by	ADP
ajoaa-2080	71	14	the	the	DET
ajoaa-2080	71	15	bank	bank	NOUN
ajoaa-2080	71	16	credit	credit	NOUN
ajoaa-2080	71	17	officers	officer	NOUN
ajoaa-2080	71	18	.	.	PUNCT
ajoaa-2080	72	1	the	the	DET
ajoaa-2080	72	2	campari	campari	ADJ
ajoaa-2080	72	3	lending	lending	NOUN
ajoaa-2080	72	4	model	model	NOUN
ajoaa-2080	72	5	was	be	AUX
ajoaa-2080	72	6	chosen	choose	VERB
ajoaa-2080	72	7	in	in	ADP
ajoaa-2080	72	8	this	this	DET
ajoaa-2080	72	9	study	study	NOUN
ajoaa-2080	72	10	because	because	SCONJ
ajoaa-2080	72	11	it	it	PRON
ajoaa-2080	72	12	is	be	AUX
ajoaa-2080	72	13	confirmed	confirm	VERB
ajoaa-2080	72	14	as	as	ADP
ajoaa-2080	72	15	one	one	NUM
ajoaa-2080	72	16	of	of	ADP
ajoaa-2080	72	17	the	the	DET
ajoaa-2080	72	18	common	common	ADJ
ajoaa-2080	72	19	credit	credit	NOUN
ajoaa-2080	72	20	evaluation	evaluation	NOUN
ajoaa-2080	72	21	tools	tool	NOUN
ajoaa-2080	72	22	used	use	VERB
ajoaa-2080	72	23	by	by	ADP
ajoaa-2080	72	24	banks	bank	NOUN
ajoaa-2080	72	25	in	in	ADP
ajoaa-2080	72	26	practice	practice	NOUN
ajoaa-2080	72	27	(	(	PUNCT
ajoaa-2080	72	28	chepkoech	chepkoech	NOUN
ajoaa-2080	72	29	,	,	PUNCT
ajoaa-2080	72	30	2014	2014	NUM
ajoaa-2080	72	31	;	;	PUNCT
ajoaa-2080	72	32	ntow	ntow	ADJ
ajoaa-2080	72	33	-	-	PUNCT
ajoaa-2080	72	34	gyamfi	gyamfi	PROPN
ajoaa-2080	72	35	and	and	CCONJ
ajoaa-2080	72	36	boateng	boateng	PROPN
ajoaa-2080	72	37	,	,	PUNCT
ajoaa-2080	72	38	2013	2013	NUM
ajoaa-2080	72	39	;	;	PUNCT
ajoaa-2080	72	40	nyamutowa	nyamutowa	NOUN
ajoaa-2080	72	41	asian	asian	ADJ
ajoaa-2080	72	42	journal	journal	NOUN
ajoaa-2080	72	43	of	of	ADP
ajoaa-2080	72	44	agriculture	agriculture	NOUN
ajoaa-2080	72	45	and	and	CCONJ
ajoaa-2080	72	46	rural	rural	ADJ
ajoaa-2080	72	47	development	development	NOUN
ajoaa-2080	72	48	,	,	PUNCT
ajoaa-2080	72	49	10(2)2020	10(2)2020	NUM
ajoaa-2080	72	50	:	:	PUNCT
ajoaa-2080	72	51	628	628	NUM
ajoaa-2080	72	52	-	-	SYM
ajoaa-2080	72	53	644	644	NUM
ajoaa-2080	72	54	631	631	NUM
ajoaa-2080	72	55	and	and	CCONJ
ajoaa-2080	72	56	masunda	masunda	NOUN
ajoaa-2080	72	57	,	,	PUNCT
ajoaa-2080	72	58	2013	2013	NUM
ajoaa-2080	72	59	;	;	PUNCT
ajoaa-2080	72	60	owusu	owusu	NOUN
ajoaa-2080	72	61	-	-	PUNCT
ajoaa-2080	72	62	dankwa	dankwa	PROPN
ajoaa-2080	72	63	and	and	CCONJ
ajoaa-2080	72	64	badu	badu	ADJ
ajoaa-2080	72	65	,	,	PUNCT
ajoaa-2080	72	66	2013	2013	NUM
ajoaa-2080	72	67	;	;	PUNCT
ajoaa-2080	72	68	seyoum	seyoum	PROPN
ajoaa-2080	72	69	,	,	PUNCT
ajoaa-2080	72	70	2017	2017	NUM
ajoaa-2080	72	71	)	)	PUNCT
ajoaa-2080	72	72	.	.	PUNCT
ajoaa-2080	73	1	microsoft	microsoft	PROPN
ajoaa-2080	73	2	excel	excel	PROPN
ajoaa-2080	73	3	was	be	AUX
ajoaa-2080	73	4	used	use	VERB
ajoaa-2080	73	5	to	to	PART
ajoaa-2080	73	6	assign	assign	VERB
ajoaa-2080	73	7	weights	weight	NOUN
ajoaa-2080	73	8	to	to	ADP
ajoaa-2080	73	9	the	the	DET
ajoaa-2080	73	10	lending	lending	NOUN
ajoaa-2080	73	11	requirements	requirement	NOUN
ajoaa-2080	73	12	using	use	VERB
ajoaa-2080	73	13	the	the	DET
ajoaa-2080	73	14	relative	relative	ADJ
ajoaa-2080	73	15	importance	importance	NOUN
ajoaa-2080	73	16	index	index	NOUN
ajoaa-2080	73	17	(	(	PUNCT
ajoaa-2080	73	18	rii	rii	PROPN
ajoaa-2080	73	19	)	)	PUNCT
ajoaa-2080	73	20	.	.	PUNCT
ajoaa-2080	74	1	the	the	DET
ajoaa-2080	74	2	weighted	weight	VERB
ajoaa-2080	74	3	rii	rii	PROPN
ajoaa-2080	74	4	scores	score	NOUN
ajoaa-2080	74	5	were	be	AUX
ajoaa-2080	74	6	subsequently	subsequently	ADV
ajoaa-2080	74	7	used	use	VERB
ajoaa-2080	74	8	to	to	PART
ajoaa-2080	74	9	rank	rank	VERB
ajoaa-2080	74	10	the	the	DET
ajoaa-2080	74	11	lending	lending	NOUN
ajoaa-2080	74	12	requirements	requirement	NOUN
ajoaa-2080	74	13	in	in	ADP
ajoaa-2080	74	14	order	order	NOUN
ajoaa-2080	74	15	of	of	ADP
ajoaa-2080	74	16	importance	importance	NOUN
ajoaa-2080	74	17	.	.	PUNCT
ajoaa-2080	75	1	the	the	DET
ajoaa-2080	75	2	following	follow	VERB
ajoaa-2080	75	3	formula	formula	NOUN
ajoaa-2080	75	4	was	be	AUX
ajoaa-2080	75	5	used	use	VERB
ajoaa-2080	75	6	in	in	ADP
ajoaa-2080	75	7	determining	determine	VERB
ajoaa-2080	75	8	the	the	DET
ajoaa-2080	75	9	rii	rii	NOUN
ajoaa-2080	75	10	:	:	PUNCT
ajoaa-2080	75	11	𝑅𝐼𝐼	𝑅𝐼𝐼	PROPN
ajoaa-2080	75	12	=	=	PUNCT
ajoaa-2080	75	13	∑	∑	PUNCT
ajoaa-2080	75	14	𝑊	𝑊	PROPN
ajoaa-2080	75	15	𝐴	𝐴	PROPN
ajoaa-2080	75	16	∗	∗	VERB
ajoaa-2080	75	17	𝑁	𝑁	PROPN
ajoaa-2080	75	18	where	where	SCONJ
ajoaa-2080	75	19	,	,	PUNCT
ajoaa-2080	75	20	w	w	PROPN
ajoaa-2080	75	21	is	be	AUX
ajoaa-2080	75	22	the	the	DET
ajoaa-2080	75	23	weight	weight	NOUN
ajoaa-2080	75	24	assigned	assign	VERB
ajoaa-2080	75	25	by	by	ADP
ajoaa-2080	75	26	each	each	DET
ajoaa-2080	75	27	respondent	respondent	NOUN
ajoaa-2080	75	28	on	on	ADP
ajoaa-2080	75	29	a	a	DET
ajoaa-2080	75	30	scale	scale	NOUN
ajoaa-2080	75	31	of	of	ADP
ajoaa-2080	75	32	1	1	NUM
ajoaa-2080	75	33	to	to	PART
ajoaa-2080	75	34	3	3	NUM
ajoaa-2080	75	35	,	,	PUNCT
ajoaa-2080	75	36	with	with	ADP
ajoaa-2080	75	37	1	1	NUM
ajoaa-2080	75	38	implying	imply	VERB
ajoaa-2080	75	39	the	the	DET
ajoaa-2080	75	40	least	least	ADJ
ajoaa-2080	75	41	and	and	CCONJ
ajoaa-2080	75	42	three	three	NUM
ajoaa-2080	75	43	the	the	DET
ajoaa-2080	75	44	highest	high	ADJ
ajoaa-2080	75	45	.	.	PUNCT
ajoaa-2080	76	1	the	the	DET
ajoaa-2080	76	2	responses	response	NOUN
ajoaa-2080	76	3	were	be	AUX
ajoaa-2080	76	4	categorized	categorize	VERB
ajoaa-2080	76	5	into	into	ADP
ajoaa-2080	76	6	‘	'	PUNCT
ajoaa-2080	76	7	always	always	ADV
ajoaa-2080	76	8	considered	consider	VERB
ajoaa-2080	76	9	(	(	PUNCT
ajoaa-2080	76	10	3	3	NUM
ajoaa-2080	76	11	)	)	PUNCT
ajoaa-2080	76	12	’	'	PUNCT
ajoaa-2080	76	13	,	,	PUNCT
ajoaa-2080	76	14	‘	'	PUNCT
ajoaa-2080	76	15	sometimes	sometimes	ADV
ajoaa-2080	76	16	considered	consider	VERB
ajoaa-2080	76	17	(	(	PUNCT
ajoaa-2080	76	18	2	2	NUM
ajoaa-2080	76	19	)	)	PUNCT
ajoaa-2080	76	20	’	'	PUNCT
ajoaa-2080	76	21	and	and	CCONJ
ajoaa-2080	76	22	‘	'	PUNCT
ajoaa-2080	76	23	never	never	ADV
ajoaa-2080	76	24	considered	consider	VERB
ajoaa-2080	76	25	(	(	PUNCT
ajoaa-2080	76	26	1	1	NUM
ajoaa-2080	76	27	)	)	PUNCT
ajoaa-2080	76	28	’	'	PUNCT
ajoaa-2080	76	29	responses	response	NOUN
ajoaa-2080	76	30	.	.	PUNCT
ajoaa-2080	77	1	a	a	PRON
ajoaa-2080	77	2	is	be	AUX
ajoaa-2080	77	3	the	the	DET
ajoaa-2080	77	4	highest	high	ADJ
ajoaa-2080	77	5	weight	weight	NOUN
ajoaa-2080	77	6	,	,	PUNCT
ajoaa-2080	77	7	while	while	SCONJ
ajoaa-2080	77	8	n	n	PRON
ajoaa-2080	77	9	is	be	AUX
ajoaa-2080	77	10	the	the	DET
ajoaa-2080	77	11	total	total	ADJ
ajoaa-2080	77	12	number	number	NOUN
ajoaa-2080	77	13	in	in	ADP
ajoaa-2080	77	14	the	the	DET
ajoaa-2080	77	15	sample	sample	NOUN
ajoaa-2080	77	16	.	.	PUNCT
ajoaa-2080	78	1	five	five	NUM
ajoaa-2080	78	2	important	important	ADJ
ajoaa-2080	78	3	levels	level	NOUN
ajoaa-2080	78	4	were	be	AUX
ajoaa-2080	78	5	transformed	transform	VERB
ajoaa-2080	78	6	from	from	ADP
ajoaa-2080	78	7	the	the	DET
ajoaa-2080	78	8	rii	rii	NOUN
ajoaa-2080	78	9	values	value	NOUN
ajoaa-2080	78	10	:	:	PUNCT
ajoaa-2080	78	11	high	high	ADJ
ajoaa-2080	78	12	(	(	PUNCT
ajoaa-2080	78	13	0.80	0.80	NUM
ajoaa-2080	78	14	to	to	PART
ajoaa-2080	78	15	1	1	NUM
ajoaa-2080	78	16	)	)	PUNCT
ajoaa-2080	78	17	(	(	PUNCT
ajoaa-2080	78	18	h	h	NOUN
ajoaa-2080	78	19	)	)	PUNCT
ajoaa-2080	78	20	;	;	PUNCT
ajoaa-2080	78	21	high	high	ADJ
ajoaa-2080	78	22	-	-	PUNCT
ajoaa-2080	78	23	medium	medium	NOUN
ajoaa-2080	78	24	(	(	PUNCT
ajoaa-2080	78	25	0.60	0.60	NUM
ajoaa-2080	78	26	to	to	ADP
ajoaa-2080	78	27	0.79	0.79	NUM
ajoaa-2080	78	28	)	)	PUNCT
ajoaa-2080	78	29	(	(	PUNCT
ajoaa-2080	78	30	h	h	NOUN
ajoaa-2080	78	31	-	-	PUNCT
ajoaa-2080	78	32	m	m	NOUN
ajoaa-2080	78	33	)	)	PUNCT
ajoaa-2080	78	34	;	;	PUNCT
ajoaa-2080	78	35	medium	medium	NOUN
ajoaa-2080	78	36	(	(	PUNCT
ajoaa-2080	78	37	0.40	0.40	NUM
ajoaa-2080	78	38	to	to	ADP
ajoaa-2080	78	39	0.59	0.59	NUM
ajoaa-2080	78	40	)	)	PUNCT
ajoaa-2080	78	41	(	(	PUNCT
ajoaa-2080	78	42	m	m	NOUN
ajoaa-2080	78	43	)	)	PUNCT
ajoaa-2080	78	44	;	;	PUNCT
ajoaa-2080	78	45	medium	medium	ADJ
ajoaa-2080	78	46	-	-	PUNCT
ajoaa-2080	78	47	low	low	ADJ
ajoaa-2080	78	48	(	(	PUNCT
ajoaa-2080	78	49	0.20	0.20	NUM
ajoaa-2080	78	50	to	to	ADP
ajoaa-2080	78	51	0.39	0.39	NUM
ajoaa-2080	78	52	)	)	PUNCT
ajoaa-2080	78	53	(	(	PUNCT
ajoaa-2080	78	54	m	m	NOUN
ajoaa-2080	78	55	-	-	NOUN
ajoaa-2080	78	56	l	l	NOUN
ajoaa-2080	78	57	)	)	PUNCT
ajoaa-2080	78	58	;	;	PUNCT
ajoaa-2080	78	59	and	and	CCONJ
ajoaa-2080	78	60	low	low	ADJ
ajoaa-2080	78	61	(	(	PUNCT
ajoaa-2080	78	62	0	0	NUM
ajoaa-2080	78	63	to	to	ADP
ajoaa-2080	78	64	0.19	0.19	NUM
ajoaa-2080	78	65	)	)	PUNCT
ajoaa-2080	78	66	(	(	PUNCT
ajoaa-2080	78	67	l	l	NOUN
ajoaa-2080	78	68	)	)	PUNCT
ajoaa-2080	78	69	(	(	PUNCT
ajoaa-2080	78	70	rooshdi	rooshdi	NOUN
ajoaa-2080	78	71	et	et	PROPN
ajoaa-2080	78	72	al	al	PROPN
ajoaa-2080	78	73	.	.	PROPN
ajoaa-2080	78	74	,	,	PUNCT
ajoaa-2080	78	75	2018	2018	NUM
ajoaa-2080	78	76	)	)	PUNCT
ajoaa-2080	78	77	.	.	PUNCT
ajoaa-2080	79	1	the	the	DET
ajoaa-2080	79	2	rii	rii	PROPN
ajoaa-2080	79	3	was	be	AUX
ajoaa-2080	79	4	used	use	VERB
ajoaa-2080	79	5	by	by	ADP
ajoaa-2080	79	6	previous	previous	ADJ
ajoaa-2080	79	7	studies	study	NOUN
ajoaa-2080	79	8	in	in	ADP
ajoaa-2080	79	9	the	the	DET
ajoaa-2080	79	10	construction	construction	NOUN
ajoaa-2080	79	11	industry	industry	NOUN
ajoaa-2080	79	12	(	(	PUNCT
ajoaa-2080	79	13	davoodi	davoodi	NOUN
ajoaa-2080	79	14	and	and	CCONJ
ajoaa-2080	79	15	dagli	dagli	NOUN
ajoaa-2080	79	16	,	,	PUNCT
ajoaa-2080	79	17	2019	2019	NUM
ajoaa-2080	79	18	;	;	PUNCT
ajoaa-2080	79	19	rooshdi	rooshdi	PROPN
ajoaa-2080	79	20	et	et	PROPN
ajoaa-2080	79	21	al	al	PROPN
ajoaa-2080	79	22	.	.	PROPN
ajoaa-2080	79	23	,	,	PUNCT
ajoaa-2080	79	24	2018	2018	NUM
ajoaa-2080	79	25	;	;	PUNCT
ajoaa-2080	79	26	somiah	somiah	PROPN
ajoaa-2080	79	27	et	et	PROPN
ajoaa-2080	79	28	al	al	PROPN
ajoaa-2080	79	29	.	.	PROPN
ajoaa-2080	79	30	,	,	PUNCT
ajoaa-2080	79	31	2015	2015	NUM
ajoaa-2080	79	32	)	)	PUNCT
ajoaa-2080	79	33	.	.	PUNCT
ajoaa-2080	80	1	according	accord	VERB
ajoaa-2080	80	2	to	to	ADP
ajoaa-2080	80	3	davoodi	davoodi	NOUN
ajoaa-2080	80	4	and	and	CCONJ
ajoaa-2080	80	5	dagli	dagli	NOUN
ajoaa-2080	80	6	(	(	PUNCT
ajoaa-2080	80	7	2019	2019	NUM
ajoaa-2080	80	8	)	)	PUNCT
ajoaa-2080	80	9	,	,	PUNCT
ajoaa-2080	80	10	the	the	DET
ajoaa-2080	80	11	rii	rii	NOUN
ajoaa-2080	80	12	is	be	AUX
ajoaa-2080	80	13	applicable	applicable	ADJ
ajoaa-2080	80	14	in	in	ADP
ajoaa-2080	80	15	instances	instance	NOUN
ajoaa-2080	80	16	when	when	SCONJ
ajoaa-2080	80	17	the	the	DET
ajoaa-2080	80	18	researcher	researcher	NOUN
ajoaa-2080	80	19	is	be	AUX
ajoaa-2080	80	20	interested	interested	ADJ
ajoaa-2080	80	21	in	in	ADP
ajoaa-2080	80	22	extracting	extract	VERB
ajoaa-2080	80	23	or	or	CCONJ
ajoaa-2080	80	24	determining	determine	VERB
ajoaa-2080	80	25	major	major	ADJ
ajoaa-2080	80	26	important	important	ADJ
ajoaa-2080	80	27	factors	factor	NOUN
ajoaa-2080	80	28	from	from	ADP
ajoaa-2080	80	29	a	a	DET
ajoaa-2080	80	30	population	population	NOUN
ajoaa-2080	80	31	.	.	PUNCT
ajoaa-2080	81	1	therefore	therefore	ADV
ajoaa-2080	81	2	,	,	PUNCT
ajoaa-2080	81	3	rii	rii	PROPN
ajoaa-2080	81	4	was	be	AUX
ajoaa-2080	81	5	chosen	choose	VERB
ajoaa-2080	81	6	in	in	ADP
ajoaa-2080	81	7	this	this	DET
ajoaa-2080	81	8	study	study	NOUN
ajoaa-2080	81	9	because	because	SCONJ
ajoaa-2080	81	10	it	it	PRON
ajoaa-2080	81	11	allowed	allow	VERB
ajoaa-2080	81	12	the	the	DET
ajoaa-2080	81	13	identification	identification	NOUN
ajoaa-2080	81	14	of	of	ADP
ajoaa-2080	81	15	the	the	DET
ajoaa-2080	81	16	most	most	ADV
ajoaa-2080	81	17	important	important	ADJ
ajoaa-2080	81	18	lending	lending	NOUN
ajoaa-2080	81	19	requirements	requirement	NOUN
ajoaa-2080	81	20	based	base	VERB
ajoaa-2080	81	21	on	on	ADP
ajoaa-2080	81	22	the	the	DET
ajoaa-2080	81	23	commercial	commercial	ADJ
ajoaa-2080	81	24	bank	bank	PROPN
ajoaa-2080	81	25	credit	credit	NOUN
ajoaa-2080	81	26	officers	officer	NOUN
ajoaa-2080	81	27	'	'	PART
ajoaa-2080	81	28	responses	response	NOUN
ajoaa-2080	81	29	.	.	PUNCT
ajoaa-2080	82	1	the	the	DET
ajoaa-2080	82	2	rii	rii	NOUN
ajoaa-2080	82	3	is	be	AUX
ajoaa-2080	82	4	also	also	ADV
ajoaa-2080	82	5	regarded	regard	VERB
ajoaa-2080	82	6	as	as	ADP
ajoaa-2080	82	7	a	a	DET
ajoaa-2080	82	8	suitable	suitable	ADJ
ajoaa-2080	82	9	tool	tool	NOUN
ajoaa-2080	82	10	to	to	PART
ajoaa-2080	82	11	prioritize	prioritize	VERB
ajoaa-2080	82	12	indicators	indicator	NOUN
ajoaa-2080	82	13	rated	rate	VERB
ajoaa-2080	82	14	on	on	ADP
ajoaa-2080	82	15	likert	likert	NOUN
ajoaa-2080	82	16	scales	scale	NOUN
ajoaa-2080	82	17	(	(	PUNCT
ajoaa-2080	82	18	rooshdi	rooshdi	NOUN
ajoaa-2080	82	19	et	et	PROPN
ajoaa-2080	82	20	al	al	PROPN
ajoaa-2080	82	21	.	.	PROPN
ajoaa-2080	82	22	,	,	PUNCT
ajoaa-2080	82	23	2018	2018	NUM
ajoaa-2080	82	24	)	)	PUNCT
ajoaa-2080	82	25	.	.	PUNCT
ajoaa-2080	83	1	results	result	NOUN
ajoaa-2080	83	2	were	be	AUX
ajoaa-2080	83	3	presented	present	VERB
ajoaa-2080	83	4	on	on	ADP
ajoaa-2080	83	5	a	a	DET
ajoaa-2080	83	6	table	table	NOUN
ajoaa-2080	83	7	.	.	PUNCT
ajoaa-2080	84	1	the	the	DET
ajoaa-2080	84	2	cronbach	cronbach	NOUN
ajoaa-2080	84	3	's	's	PART
ajoaa-2080	84	4	alpha	alpha	ADJ
ajoaa-2080	84	5	coefficient	coefficient	NOUN
ajoaa-2080	84	6	was	be	AUX
ajoaa-2080	84	7	used	use	VERB
ajoaa-2080	84	8	to	to	PART
ajoaa-2080	84	9	authenticate	authenticate	VERB
ajoaa-2080	84	10	the	the	DET
ajoaa-2080	84	11	questionnaire	questionnaire	NOUN
ajoaa-2080	84	12	's	's	PART
ajoaa-2080	84	13	reliability	reliability	NOUN
ajoaa-2080	84	14	using	use	VERB
ajoaa-2080	84	15	spss	spss	PROPN
ajoaa-2080	84	16	.	.	PUNCT
ajoaa-2080	85	1	according	accord	VERB
ajoaa-2080	85	2	to	to	ADP
ajoaa-2080	85	3	hair	hair	NOUN
ajoaa-2080	85	4	et	et	PROPN
ajoaa-2080	85	5	al	al	PROPN
ajoaa-2080	85	6	.	.	PROPN
ajoaa-2080	86	1	(	(	PUNCT
ajoaa-2080	86	2	2006	2006	NUM
ajoaa-2080	86	3	)	)	PUNCT
ajoaa-2080	86	4	,	,	PUNCT
ajoaa-2080	86	5	this	this	DET
ajoaa-2080	86	6	scale	scale	NOUN
ajoaa-2080	86	7	measurement	measurement	NOUN
ajoaa-2080	86	8	tool	tool	NOUN
ajoaa-2080	86	9	is	be	AUX
ajoaa-2080	86	10	used	use	VERB
ajoaa-2080	86	11	to	to	PART
ajoaa-2080	86	12	determine	determine	VERB
ajoaa-2080	86	13	the	the	DET
ajoaa-2080	86	14	internal	internal	ADJ
ajoaa-2080	86	15	consistency	consistency	NOUN
ajoaa-2080	86	16	factor	factor	NOUN
ajoaa-2080	86	17	within	within	ADP
ajoaa-2080	86	18	and	and	CCONJ
ajoaa-2080	86	19	among	among	ADP
ajoaa-2080	86	20	study	study	NOUN
ajoaa-2080	86	21	variables	variable	NOUN
ajoaa-2080	86	22	.	.	PUNCT
ajoaa-2080	87	1	if	if	SCONJ
ajoaa-2080	87	2	a	a	DET
ajoaa-2080	87	3	study	study	NOUN
ajoaa-2080	87	4	attains	attain	VERB
ajoaa-2080	87	5	a	a	DET
ajoaa-2080	87	6	score	score	NOUN
ajoaa-2080	87	7	that	that	PRON
ajoaa-2080	87	8	is	be	AUX
ajoaa-2080	87	9	above	above	ADP
ajoaa-2080	87	10	0.70	0.70	NUM
ajoaa-2080	87	11	,	,	PUNCT
ajoaa-2080	87	12	it	it	PRON
ajoaa-2080	87	13	is	be	AUX
ajoaa-2080	87	14	deemed	deem	VERB
ajoaa-2080	87	15	reliable	reliable	ADJ
ajoaa-2080	87	16	.	.	PUNCT
ajoaa-2080	88	1	the	the	DET
ajoaa-2080	88	2	questionnaire	questionnaire	NOUN
ajoaa-2080	88	3	scored	score	VERB
ajoaa-2080	88	4	a	a	DET
ajoaa-2080	88	5	cronbach	cronbach	NOUN
ajoaa-2080	88	6	's	's	PART
ajoaa-2080	88	7	alpha	alpha	NOUN
ajoaa-2080	88	8	co	co	NOUN
ajoaa-2080	88	9	-	-	ADJ
ajoaa-2080	88	10	efficient	efficient	ADJ
ajoaa-2080	88	11	of	of	ADP
ajoaa-2080	88	12	0.72	0.72	NUM
ajoaa-2080	88	13	,	,	PUNCT
ajoaa-2080	88	14	which	which	PRON
ajoaa-2080	88	15	meant	mean	VERB
ajoaa-2080	88	16	that	that	SCONJ
ajoaa-2080	88	17	it	it	PRON
ajoaa-2080	88	18	was	be	AUX
ajoaa-2080	88	19	reliable	reliable	ADJ
ajoaa-2080	88	20	.	.	PUNCT
ajoaa-2080	89	1	2.2	2.2	NUM
ajoaa-2080	89	2	.	.	PUNCT
ajoaa-2080	90	1	qualitative	qualitative	ADJ
ajoaa-2080	90	2	data	datum	NOUN
ajoaa-2080	90	3	analysis	analysis	NOUN
ajoaa-2080	90	4	the	the	DET
ajoaa-2080	90	5	bank	bank	NOUN
ajoaa-2080	90	6	credit	credit	NOUN
ajoaa-2080	90	7	officers	officer	NOUN
ajoaa-2080	90	8	'	'	PART
ajoaa-2080	90	9	verbal	verbal	ADJ
ajoaa-2080	90	10	responses	response	NOUN
ajoaa-2080	90	11	were	be	AUX
ajoaa-2080	90	12	analysed	analyse	VERB
ajoaa-2080	90	13	by	by	ADP
ajoaa-2080	90	14	the	the	DET
ajoaa-2080	90	15	nvivo	nvivo	ADJ
ajoaa-2080	90	16	software	software	NOUN
ajoaa-2080	90	17	using	use	VERB
ajoaa-2080	90	18	thematic	thematic	ADJ
ajoaa-2080	90	19	analysis	analysis	NOUN
ajoaa-2080	90	20	.	.	PUNCT
ajoaa-2080	91	1	the	the	DET
ajoaa-2080	91	2	results	result	NOUN
ajoaa-2080	91	3	were	be	AUX
ajoaa-2080	91	4	mainly	mainly	ADV
ajoaa-2080	91	5	presented	present	VERB
ajoaa-2080	91	6	through	through	ADP
ajoaa-2080	91	7	word	word	NOUN
ajoaa-2080	91	8	trees	tree	NOUN
ajoaa-2080	91	9	.	.	PUNCT
ajoaa-2080	92	1	3	3	X
ajoaa-2080	92	2	.	.	NOUN
ajoaa-2080	92	3	results	result	NOUN
ajoaa-2080	92	4	and	and	CCONJ
ajoaa-2080	92	5	discussion	discussion	NOUN
ajoaa-2080	92	6	out	out	ADP
ajoaa-2080	92	7	of	of	ADP
ajoaa-2080	92	8	the	the	DET
ajoaa-2080	92	9	targeted	target	VERB
ajoaa-2080	92	10	12	12	NUM
ajoaa-2080	92	11	commercial	commercial	ADJ
ajoaa-2080	92	12	banks	bank	NOUN
ajoaa-2080	92	13	,	,	PUNCT
ajoaa-2080	92	14	eight	eight	NUM
ajoaa-2080	92	15	took	take	VERB
ajoaa-2080	92	16	part	part	NOUN
ajoaa-2080	92	17	in	in	ADP
ajoaa-2080	92	18	the	the	DET
ajoaa-2080	92	19	study	study	NOUN
ajoaa-2080	92	20	.	.	PUNCT
ajoaa-2080	93	1	therefore	therefore	ADV
ajoaa-2080	93	2	,	,	PUNCT
ajoaa-2080	93	3	a	a	DET
ajoaa-2080	93	4	67	67	NUM
ajoaa-2080	93	5	%	%	NOUN
ajoaa-2080	93	6	response	response	NOUN
ajoaa-2080	93	7	rate	rate	NOUN
ajoaa-2080	93	8	was	be	AUX
ajoaa-2080	93	9	achieved	achieve	VERB
ajoaa-2080	93	10	.	.	PUNCT
ajoaa-2080	94	1	3.1	3.1	NUM
ajoaa-2080	94	2	.	.	PUNCT
ajoaa-2080	94	3	high	high	ADJ
ajoaa-2080	94	4	importance	importance	NOUN
ajoaa-2080	94	5	of	of	ADP
ajoaa-2080	94	6	lending	lending	NOUN
ajoaa-2080	94	7	requirements	requirement	NOUN
ajoaa-2080	94	8	all	all	DET
ajoaa-2080	94	9	the	the	DET
ajoaa-2080	94	10	eight	eight	NUM
ajoaa-2080	94	11	commercial	commercial	ADJ
ajoaa-2080	94	12	banks	bank	NOUN
ajoaa-2080	94	13	that	that	PRON
ajoaa-2080	94	14	participated	participate	VERB
ajoaa-2080	94	15	in	in	ADP
ajoaa-2080	94	16	the	the	DET
ajoaa-2080	94	17	study	study	NOUN
ajoaa-2080	94	18	always	always	ADV
ajoaa-2080	94	19	considered	consider	VERB
ajoaa-2080	94	20	credit	credit	NOUN
ajoaa-2080	94	21	history	history	NOUN
ajoaa-2080	94	22	;	;	PUNCT
ajoaa-2080	94	23	business	business	NOUN
ajoaa-2080	94	24	registration	registration	NOUN
ajoaa-2080	94	25	documents	document	NOUN
ajoaa-2080	94	26	;	;	PUNCT
ajoaa-2080	94	27	irrigation	irrigation	NOUN
ajoaa-2080	94	28	facilities	facility	NOUN
ajoaa-2080	94	29	;	;	PUNCT
ajoaa-2080	94	30	a	a	DET
ajoaa-2080	94	31	clear	clear	ADJ
ajoaa-2080	94	32	and	and	CCONJ
ajoaa-2080	94	33	supported	support	VERB
ajoaa-2080	94	34	loan	loan	NOUN
ajoaa-2080	94	35	purpose	purpose	NOUN
ajoaa-2080	94	36	;	;	PUNCT
ajoaa-2080	94	37	and	and	CCONJ
ajoaa-2080	94	38	a	a	DET
ajoaa-2080	94	39	clear	clear	ADJ
ajoaa-2080	94	40	and	and	CCONJ
ajoaa-2080	94	41	adequate	adequate	ADJ
ajoaa-2080	94	42	repayment	repayment	NOUN
ajoaa-2080	94	43	source	source	NOUN
ajoaa-2080	94	44	in	in	ADP
ajoaa-2080	94	45	assessing	assess	VERB
ajoaa-2080	94	46	agricultural	agricultural	ADJ
ajoaa-2080	94	47	loan	loan	NOUN
ajoaa-2080	94	48	applications	application	NOUN
ajoaa-2080	94	49	by	by	ADP
ajoaa-2080	94	50	farmers	farmer	NOUN
ajoaa-2080	94	51	in	in	ADP
ajoaa-2080	94	52	zimbabwe	zimbabwe	X
ajoaa-2080	94	53	(	(	PUNCT
ajoaa-2080	94	54	table	table	NOUN
ajoaa-2080	94	55	2	2	NUM
ajoaa-2080	94	56	)	)	PUNCT
ajoaa-2080	94	57	.	.	PUNCT
ajoaa-2080	95	1	these	these	DET
ajoaa-2080	95	2	factors	factor	NOUN
ajoaa-2080	95	3	received	receive	VERB
ajoaa-2080	95	4	the	the	DET
ajoaa-2080	95	5	highest	high	ADJ
ajoaa-2080	95	6	scores	score	NOUN
ajoaa-2080	95	7	on	on	ADP
ajoaa-2080	95	8	the	the	DET
ajoaa-2080	95	9	3	3	NUM
ajoaa-2080	95	10	-	-	PUNCT
ajoaa-2080	95	11	point	point	NOUN
ajoaa-2080	95	12	likert	likert	ADJ
ajoaa-2080	95	13	scale	scale	NOUN
ajoaa-2080	95	14	from	from	ADP
ajoaa-2080	95	15	all	all	DET
ajoaa-2080	95	16	the	the	DET
ajoaa-2080	95	17	commercial	commercial	ADJ
ajoaa-2080	95	18	banks	bank	NOUN
ajoaa-2080	95	19	,	,	PUNCT
ajoaa-2080	95	20	and	and	CCONJ
ajoaa-2080	95	21	consequently	consequently	ADV
ajoaa-2080	95	22	attained	attain	VERB
ajoaa-2080	95	23	the	the	DET
ajoaa-2080	95	24	highest	high	ADJ
ajoaa-2080	95	25	rii	rii	ADJ
ajoaa-2080	95	26	rank	rank	NOUN
ajoaa-2080	95	27	of	of	ADP
ajoaa-2080	95	28	1	1	NUM
ajoaa-2080	95	29	.	.	PUNCT
ajoaa-2080	95	30	asian	asian	ADJ
ajoaa-2080	95	31	journal	journal	PROPN
ajoaa-2080	95	32	of	of	ADP
ajoaa-2080	95	33	agriculture	agriculture	NOUN
ajoaa-2080	95	34	and	and	CCONJ
ajoaa-2080	95	35	rural	rural	ADJ
ajoaa-2080	95	36	development	development	NOUN
ajoaa-2080	95	37	,	,	PUNCT
ajoaa-2080	95	38	10(2)2020	10(2)2020	NUM
ajoaa-2080	95	39	:	:	PUNCT
ajoaa-2080	95	40	628	628	NUM
ajoaa-2080	95	41	-	-	SYM
ajoaa-2080	95	42	644	644	NUM
ajoaa-2080	95	43	632	632	NUM
ajoaa-2080	95	44	table	table	NOUN
ajoaa-2080	95	45	1	1	NUM
ajoaa-2080	95	46	:	:	PUNCT
ajoaa-2080	95	47	ranking	ranking	NOUN
ajoaa-2080	95	48	of	of	ADP
ajoaa-2080	95	49	lending	lending	NOUN
ajoaa-2080	95	50	requirements	requirement	NOUN
ajoaa-2080	95	51	by	by	ADP
ajoaa-2080	95	52	commercial	commercial	ADJ
ajoaa-2080	95	53	banks	bank	NOUN
ajoaa-2080	95	54	in	in	ADP
ajoaa-2080	95	55	zimbabwe	zimbabwe	ADJ
ajoaa-2080	95	56	lending	lending	NOUN
ajoaa-2080	95	57	requirement	requirement	NOUN
ajoaa-2080	95	58	relative	relative	ADJ
ajoaa-2080	95	59	importance	importance	NOUN
ajoaa-2080	95	60	index	index	NOUN
ajoaa-2080	95	61	(	(	PUNCT
ajoaa-2080	95	62	rii	rii	NOUN
ajoaa-2080	95	63	)	)	PUNCT
ajoaa-2080	95	64	importance	importance	NOUN
ajoaa-2080	95	65	level	level	NOUN
ajoaa-2080	95	66	credit	credit	NOUN
ajoaa-2080	95	67	history	history	NOUN
ajoaa-2080	95	68	1	1	NUM
ajoaa-2080	95	69	h	h	NOUN
ajoaa-2080	95	70	business	business	NOUN
ajoaa-2080	95	71	registration	registration	NOUN
ajoaa-2080	95	72	documents	document	NOUN
ajoaa-2080	95	73	1	1	NUM
ajoaa-2080	95	74	h	h	NOUN
ajoaa-2080	95	75	productive	productive	ADJ
ajoaa-2080	95	76	farm	farm	NOUN
ajoaa-2080	95	77	assets	asset	NOUN
ajoaa-2080	95	78	1	1	NUM
ajoaa-2080	95	79	h	h	NOUN
ajoaa-2080	95	80	clear	clear	ADJ
ajoaa-2080	95	81	and	and	CCONJ
ajoaa-2080	95	82	supported	support	VERB
ajoaa-2080	95	83	loan	loan	NOUN
ajoaa-2080	95	84	purpose	purpose	NOUN
ajoaa-2080	95	85	1	1	NUM
ajoaa-2080	95	86	h	h	NOUN
ajoaa-2080	95	87	clear	clear	ADJ
ajoaa-2080	95	88	and	and	CCONJ
ajoaa-2080	95	89	adequate	adequate	ADJ
ajoaa-2080	95	90	repayment	repayment	NOUN
ajoaa-2080	95	91	source	source	NOUN
ajoaa-2080	95	92	1	1	NUM
ajoaa-2080	95	93	h	h	NOUN
ajoaa-2080	95	94	loan	loan	NOUN
ajoaa-2080	95	95	amount	amount	NOUN
ajoaa-2080	95	96	1	1	NUM
ajoaa-2080	95	97	h	h	NOUN
ajoaa-2080	95	98	agricultural	agricultural	ADJ
ajoaa-2080	95	99	production	production	NOUN
ajoaa-2080	95	100	experience	experience	NOUN
ajoaa-2080	95	101	,	,	PUNCT
ajoaa-2080	95	102	qualifications	qualification	NOUN
ajoaa-2080	95	103	,	,	PUNCT
ajoaa-2080	95	104	and	and	CCONJ
ajoaa-2080	95	105	skills	skill	VERB
ajoaa-2080	95	106	0.96	0.96	NUM
ajoaa-2080	95	107	h	h	NOUN
ajoaa-2080	95	108	project	project	NOUN
ajoaa-2080	95	109	insurance	insurance	NOUN
ajoaa-2080	95	110	0.96	0.96	NUM
ajoaa-2080	95	111	h	h	NOUN
ajoaa-2080	95	112	financial	financial	ADJ
ajoaa-2080	95	113	statements	statement	NOUN
ajoaa-2080	95	114	0.92	0.92	NUM
ajoaa-2080	95	115	h	h	NOUN
ajoaa-2080	95	116	business	business	NOUN
ajoaa-2080	95	117	plan	plan	NOUN
ajoaa-2080	95	118	0.88	0.88	NUM
ajoaa-2080	95	119	h	h	NOUN
ajoaa-2080	95	120	guarantor	guarantor	NOUN
ajoaa-2080	95	121	0.88	0.88	NUM
ajoaa-2080	95	122	h	h	NOUN
ajoaa-2080	95	123	social	social	ADJ
ajoaa-2080	95	124	reputation	reputation	NOUN
ajoaa-2080	95	125	0.83	0.83	NUM
ajoaa-2080	95	126	h	h	NOUN
ajoaa-2080	95	127	economically	economically	ADV
ajoaa-2080	95	128	active	active	ADJ
ajoaa-2080	95	129	age	age	NOUN
ajoaa-2080	95	130	0.83	0.83	NUM
ajoaa-2080	95	131	h	h	NOUN
ajoaa-2080	95	132	agricultural	agricultural	ADJ
ajoaa-2080	95	133	extension	extension	NOUN
ajoaa-2080	95	134	support	support	NOUN
ajoaa-2080	95	135	0.79	0.79	NUM
ajoaa-2080	95	136	h	h	NOUN
ajoaa-2080	95	137	-	-	PUNCT
ajoaa-2080	95	138	m	m	PROPN
ajoaa-2080	95	139	business	business	NOUN
ajoaa-2080	95	140	management	management	NOUN
ajoaa-2080	95	141	qualifications	qualification	NOUN
ajoaa-2080	95	142	,	,	PUNCT
ajoaa-2080	95	143	skills	skill	NOUN
ajoaa-2080	95	144	,	,	PUNCT
ajoaa-2080	95	145	and	and	CCONJ
ajoaa-2080	95	146	experience	experience	NOUN
ajoaa-2080	95	147	0.79	0.79	NUM
ajoaa-2080	95	148	h	h	PROPN
ajoaa-2080	95	149	-	-	PUNCT
ajoaa-2080	95	150	m	m	PROPN
ajoaa-2080	95	151	bank	bank	NOUN
ajoaa-2080	95	152	account	account	NOUN
ajoaa-2080	95	153	ownership	ownership	NOUN
ajoaa-2080	95	154	0.79	0.79	NUM
ajoaa-2080	95	155	h	h	NOUN
ajoaa-2080	95	156	-	-	PUNCT
ajoaa-2080	95	157	m	m	NOUN
ajoaa-2080	95	158	own	own	ADJ
ajoaa-2080	95	159	contribution	contribution	NOUN
ajoaa-2080	95	160	to	to	ADP
ajoaa-2080	95	161	the	the	DET
ajoaa-2080	95	162	loan	loan	NOUN
ajoaa-2080	95	163	amount	amount	NOUN
ajoaa-2080	95	164	requested	request	VERB
ajoaa-2080	95	165	0.71	0.71	NUM
ajoaa-2080	95	166	h	h	NUM
ajoaa-2080	95	167	-	-	PUNCT
ajoaa-2080	95	168	m	m	NOUN
ajoaa-2080	95	169	personal	personal	ADJ
ajoaa-2080	95	170	savings	saving	NOUN
ajoaa-2080	95	171	with	with	ADP
ajoaa-2080	95	172	a	a	DET
ajoaa-2080	95	173	bank	bank	NOUN
ajoaa-2080	95	174	0.67	0.67	NUM
ajoaa-2080	95	175	h	h	NOUN
ajoaa-2080	95	176	-	-	PUNCT
ajoaa-2080	95	177	m	m	VERB
ajoaa-2080	95	178	formal	formal	ADJ
ajoaa-2080	95	179	basic	basic	ADJ
ajoaa-2080	95	180	education	education	NOUN
ajoaa-2080	95	181	0.54	0.54	NUM
ajoaa-2080	95	182	m	m	PROPN
ajoaa-2080	95	183	alternative	alternative	ADJ
ajoaa-2080	95	184	income	income	NOUN
ajoaa-2080	95	185	0.54	0.54	NUM
ajoaa-2080	95	186	m	m	PROPN
ajoaa-2080	95	187	freehold	freehold	PROPN
ajoaa-2080	95	188	land	land	PROPN
ajoaa-2080	95	189	ownership	ownership	NOUN
ajoaa-2080	95	190	0.54	0.54	NUM
ajoaa-2080	95	191	m	m	NOUN
ajoaa-2080	95	192	source	source	NOUN
ajoaa-2080	95	193	:	:	PUNCT
ajoaa-2080	95	194	primary	primary	ADJ
ajoaa-2080	95	195	data	datum	NOUN
ajoaa-2080	95	196	(	(	PUNCT
ajoaa-2080	95	197	2019	2019	NUM
ajoaa-2080	95	198	)	)	PUNCT
ajoaa-2080	95	199	key	key	NOUN
ajoaa-2080	95	200	to	to	ADP
ajoaa-2080	95	201	table	table	NOUN
ajoaa-2080	95	202	1	1	NUM
ajoaa-2080	95	203	high	high	ADJ
ajoaa-2080	95	204	(	(	PUNCT
ajoaa-2080	95	205	h	h	NOUN
ajoaa-2080	95	206	)	)	PUNCT
ajoaa-2080	95	207	importance	importance	NOUN
ajoaa-2080	95	208	(	(	PUNCT
ajoaa-2080	95	209	0.80	0.80	NUM
ajoaa-2080	95	210	1	1	NUM
ajoaa-2080	95	211	)	)	PUNCT
ajoaa-2080	95	212	high	high	ADJ
ajoaa-2080	95	213	-	-	PUNCT
ajoaa-2080	95	214	medium	medium	NOUN
ajoaa-2080	95	215	(	(	PUNCT
ajoaa-2080	95	216	h	h	NOUN
ajoaa-2080	95	217	-	-	PUNCT
ajoaa-2080	95	218	m	m	NOUN
ajoaa-2080	95	219	)	)	PUNCT
ajoaa-2080	95	220	importance	importance	NOUN
ajoaa-2080	95	221	(	(	PUNCT
ajoaa-2080	95	222	0.60	0.60	NUM
ajoaa-2080	95	223	0.79	0.79	NUM
ajoaa-2080	95	224	)	)	PUNCT
ajoaa-2080	95	225	medium	medium	NOUN
ajoaa-2080	95	226	(	(	PUNCT
ajoaa-2080	95	227	m	m	NOUN
ajoaa-2080	95	228	)	)	PUNCT
ajoaa-2080	95	229	importance	importance	NOUN
ajoaa-2080	95	230	(	(	PUNCT
ajoaa-2080	95	231	0.40	0.40	NUM
ajoaa-2080	95	232	0.59	0.59	NUM
ajoaa-2080	95	233	)	)	PUNCT
ajoaa-2080	95	234	medium	medium	ADJ
ajoaa-2080	95	235	-	-	PUNCT
ajoaa-2080	95	236	low	low	ADJ
ajoaa-2080	95	237	(	(	PUNCT
ajoaa-2080	95	238	m	m	NOUN
ajoaa-2080	95	239	-	-	PUNCT
ajoaa-2080	95	240	l	l	NOUN
ajoaa-2080	95	241	)	)	PUNCT
ajoaa-2080	95	242	importance	importance	NOUN
ajoaa-2080	95	243	(	(	PUNCT
ajoaa-2080	95	244	0.20	0.20	NUM
ajoaa-2080	95	245	0.49	0.49	NUM
ajoaa-2080	95	246	)	)	PUNCT
ajoaa-2080	95	247	low	low	ADJ
ajoaa-2080	95	248	(	(	PUNCT
ajoaa-2080	95	249	l	l	NOUN
ajoaa-2080	95	250	)	)	PUNCT
ajoaa-2080	95	251	importance	importance	NOUN
ajoaa-2080	95	252	(	(	PUNCT
ajoaa-2080	95	253	0	0	NUM
ajoaa-2080	95	254	0.19	0.19	NUM
ajoaa-2080	95	255	)	)	PUNCT
ajoaa-2080	95	256	3.2	3.2	NUM
ajoaa-2080	95	257	.	.	PUNCT
ajoaa-2080	96	1	credit	credit	NOUN
ajoaa-2080	96	2	history	history	NOUN
ajoaa-2080	96	3	a	a	DET
ajoaa-2080	96	4	good	good	ADJ
ajoaa-2080	96	5	and	and	CCONJ
ajoaa-2080	96	6	flawless	flawless	ADJ
ajoaa-2080	96	7	history	history	NOUN
ajoaa-2080	96	8	of	of	ADP
ajoaa-2080	96	9	honouring	honour	VERB
ajoaa-2080	96	10	past	past	ADJ
ajoaa-2080	96	11	loan	loan	NOUN
ajoaa-2080	96	12	obligations	obligation	NOUN
ajoaa-2080	96	13	was	be	AUX
ajoaa-2080	96	14	a	a	DET
ajoaa-2080	96	15	key	key	ADJ
ajoaa-2080	96	16	requirement	requirement	NOUN
ajoaa-2080	96	17	for	for	ADP
ajoaa-2080	96	18	advancing	advance	VERB
ajoaa-2080	96	19	credit	credit	NOUN
ajoaa-2080	96	20	to	to	ADP
ajoaa-2080	96	21	farmers	farmer	NOUN
ajoaa-2080	96	22	in	in	ADP
ajoaa-2080	96	23	all	all	DET
ajoaa-2080	96	24	the	the	DET
ajoaa-2080	96	25	commercial	commercial	ADJ
ajoaa-2080	96	26	banks	bank	NOUN
ajoaa-2080	96	27	that	that	PRON
ajoaa-2080	96	28	participated	participate	VERB
ajoaa-2080	96	29	in	in	ADP
ajoaa-2080	96	30	the	the	DET
ajoaa-2080	96	31	study	study	NOUN
ajoaa-2080	96	32	.	.	PUNCT
ajoaa-2080	97	1	the	the	DET
ajoaa-2080	97	2	consideration	consideration	NOUN
ajoaa-2080	97	3	of	of	ADP
ajoaa-2080	97	4	a	a	DET
ajoaa-2080	97	5	farmer	farmer	NOUN
ajoaa-2080	97	6	's	's	PART
ajoaa-2080	97	7	credit	credit	NOUN
ajoaa-2080	97	8	history	history	NOUN
ajoaa-2080	97	9	attained	attain	VERB
ajoaa-2080	97	10	a	a	DET
ajoaa-2080	97	11	perfect	perfect	ADJ
ajoaa-2080	97	12	rii	rii	NOUN
ajoaa-2080	97	13	score	score	NOUN
ajoaa-2080	97	14	of	of	ADP
ajoaa-2080	97	15	1	1	NUM
ajoaa-2080	97	16	(	(	PUNCT
ajoaa-2080	97	17	table	table	NOUN
ajoaa-2080	97	18	2	2	NUM
ajoaa-2080	97	19	)	)	PUNCT
ajoaa-2080	97	20	.	.	PUNCT
ajoaa-2080	98	1	commercial	commercial	ADJ
ajoaa-2080	98	2	bank	bank	PROPN
ajoaa-2080	98	3	4	4	NUM
ajoaa-2080	98	4	(	(	PUNCT
ajoaa-2080	98	5	cb4	cb4	NOUN
ajoaa-2080	98	6	)	)	PUNCT
ajoaa-2080	98	7	specified	specify	VERB
ajoaa-2080	98	8	that	that	SCONJ
ajoaa-2080	98	9	looking	look	VERB
ajoaa-2080	98	10	into	into	ADP
ajoaa-2080	98	11	the	the	DET
ajoaa-2080	98	12	potential	potential	ADJ
ajoaa-2080	98	13	borrower	borrower	NOUN
ajoaa-2080	98	14	's	's	PART
ajoaa-2080	98	15	credit	credit	NOUN
ajoaa-2080	98	16	history	history	NOUN
ajoaa-2080	98	17	was	be	AUX
ajoaa-2080	98	18	part	part	NOUN
ajoaa-2080	98	19	of	of	ADP
ajoaa-2080	98	20	its	its	PRON
ajoaa-2080	98	21	compulsory	compulsory	ADJ
ajoaa-2080	98	22	character	character	NOUN
ajoaa-2080	98	23	checks	check	NOUN
ajoaa-2080	98	24	.	.	PUNCT
ajoaa-2080	99	1	cb5	cb5	PROPN
ajoaa-2080	99	2	also	also	ADV
ajoaa-2080	99	3	stated	state	VERB
ajoaa-2080	99	4	that	that	SCONJ
ajoaa-2080	99	5	"	"	PUNCT
ajoaa-2080	99	6	we	we	PRON
ajoaa-2080	99	7	do	do	AUX
ajoaa-2080	99	8	not	not	PART
ajoaa-2080	99	9	lend	lend	VERB
ajoaa-2080	99	10	to	to	ADP
ajoaa-2080	99	11	anyone	anyone	PRON
ajoaa-2080	99	12	with	with	ADP
ajoaa-2080	99	13	an	an	DET
ajoaa-2080	99	14	outstanding	outstanding	ADJ
ajoaa-2080	99	15	loan	loan	NOUN
ajoaa-2080	99	16	within	within	ADP
ajoaa-2080	99	17	or	or	CCONJ
ajoaa-2080	99	18	outside	outside	ADP
ajoaa-2080	99	19	the	the	DET
ajoaa-2080	99	20	bank	bank	NOUN
ajoaa-2080	99	21	"	"	PUNCT
ajoaa-2080	99	22	.	.	PUNCT
ajoaa-2080	100	1	according	accord	VERB
ajoaa-2080	100	2	to	to	ADP
ajoaa-2080	100	3	cb8	cb8	PROPN
ajoaa-2080	100	4	,	,	PUNCT
ajoaa-2080	100	5	it	it	PRON
ajoaa-2080	100	6	made	make	VERB
ajoaa-2080	100	7	use	use	NOUN
ajoaa-2080	100	8	of	of	ADP
ajoaa-2080	100	9	the	the	DET
ajoaa-2080	100	10	credit	credit	NOUN
ajoaa-2080	100	11	registry	registry	NOUN
ajoaa-2080	100	12	and	and	CCONJ
ajoaa-2080	100	13	the	the	DET
ajoaa-2080	100	14	financial	financial	ADJ
ajoaa-2080	100	15	clearing	clearing	PROPN
ajoaa-2080	100	16	bureau	bureau	PROPN
ajoaa-2080	100	17	(	(	PUNCT
ajoaa-2080	100	18	fcb	fcb	PROPN
ajoaa-2080	100	19	)	)	PUNCT
ajoaa-2080	100	20	platforms	platform	NOUN
ajoaa-2080	100	21	within	within	ADP
ajoaa-2080	100	22	the	the	DET
ajoaa-2080	100	23	formal	formal	ADJ
ajoaa-2080	100	24	banking	banking	NOUN
ajoaa-2080	100	25	system	system	NOUN
ajoaa-2080	100	26	to	to	PART
ajoaa-2080	100	27	determine	determine	VERB
ajoaa-2080	100	28	the	the	DET
ajoaa-2080	100	29	farmers	farmer	NOUN
ajoaa-2080	100	30	'	'	PART
ajoaa-2080	100	31	credit	credit	NOUN
ajoaa-2080	100	32	history	history	NOUN
ajoaa-2080	100	33	in	in	ADP
ajoaa-2080	100	34	terms	term	NOUN
ajoaa-2080	100	35	of	of	ADP
ajoaa-2080	100	36	how	how	SCONJ
ajoaa-2080	100	37	they	they	PRON
ajoaa-2080	100	38	honoured	honour	VERB
ajoaa-2080	100	39	their	their	PRON
ajoaa-2080	100	40	past	past	ADJ
ajoaa-2080	100	41	loan	loan	NOUN
ajoaa-2080	100	42	obligations	obligation	NOUN
ajoaa-2080	100	43	and	and	CCONJ
ajoaa-2080	100	44	to	to	PART
ajoaa-2080	100	45	also	also	ADV
ajoaa-2080	100	46	ascertain	ascertain	VERB
ajoaa-2080	100	47	their	their	PRON
ajoaa-2080	100	48	gearing	gear	VERB
ajoaa-2080	100	49	levels	level	NOUN
ajoaa-2080	100	50	in	in	ADP
ajoaa-2080	100	51	terms	term	NOUN
ajoaa-2080	100	52	of	of	ADP
ajoaa-2080	100	53	current	current	ADJ
ajoaa-2080	100	54	debt	debt	NOUN
ajoaa-2080	100	55	obligations	obligation	NOUN
ajoaa-2080	100	56	.	.	PUNCT
ajoaa-2080	101	1	in	in	ADP
ajoaa-2080	101	2	support	support	NOUN
ajoaa-2080	101	3	of	of	ADP
ajoaa-2080	101	4	these	these	DET
ajoaa-2080	101	5	findings	finding	NOUN
ajoaa-2080	101	6	,	,	PUNCT
ajoaa-2080	101	7	gebremedhin	gebremedhin	PROPN
ajoaa-2080	101	8	(	(	PUNCT
ajoaa-2080	101	9	2010	2010	NUM
ajoaa-2080	101	10	)	)	PUNCT
ajoaa-2080	101	11	avers	aver	VERB
ajoaa-2080	101	12	that	that	SCONJ
ajoaa-2080	101	13	a	a	DET
ajoaa-2080	101	14	good	good	ADJ
ajoaa-2080	101	15	and	and	CCONJ
ajoaa-2080	101	16	outstanding	outstanding	ADJ
ajoaa-2080	101	17	past	past	ADJ
ajoaa-2080	101	18	loan	loan	NOUN
ajoaa-2080	101	19	repayment	repayment	NOUN
ajoaa-2080	101	20	history	history	NOUN
ajoaa-2080	101	21	is	be	AUX
ajoaa-2080	101	22	the	the	DET
ajoaa-2080	101	23	first	first	ADJ
ajoaa-2080	101	24	and	and	CCONJ
ajoaa-2080	101	25	probably	probably	ADV
ajoaa-2080	101	26	the	the	DET
ajoaa-2080	101	27	most	most	ADV
ajoaa-2080	101	28	important	important	ADJ
ajoaa-2080	101	29	requirement	requirement	NOUN
ajoaa-2080	101	30	for	for	ADP
ajoaa-2080	101	31	a	a	DET
ajoaa-2080	101	32	successful	successful	ADJ
ajoaa-2080	101	33	loan	loan	NOUN
ajoaa-2080	101	34	.	.	PUNCT
ajoaa-2080	102	1	feschijan	feschijan	PROPN
ajoaa-2080	102	2	(	(	PUNCT
ajoaa-2080	102	3	2008	2008	NUM
ajoaa-2080	102	4	)	)	PUNCT
ajoaa-2080	102	5	also	also	ADV
ajoaa-2080	102	6	confirms	confirm	VERB
ajoaa-2080	102	7	that	that	SCONJ
ajoaa-2080	102	8	the	the	DET
ajoaa-2080	102	9	process	process	NOUN
ajoaa-2080	102	10	of	of	ADP
ajoaa-2080	102	11	establishing	establish	VERB
ajoaa-2080	102	12	client	client	NOUN
ajoaa-2080	102	13	reputation	reputation	NOUN
ajoaa-2080	102	14	is	be	AUX
ajoaa-2080	102	15	long	long	ADJ
ajoaa-2080	102	16	and	and	CCONJ
ajoaa-2080	102	17	revolves	revolve	VERB
ajoaa-2080	102	18	around	around	ADP
ajoaa-2080	102	19	the	the	DET
ajoaa-2080	102	20	use	use	NOUN
ajoaa-2080	102	21	of	of	ADP
ajoaa-2080	102	22	information	information	NOUN
ajoaa-2080	102	23	relating	relate	VERB
ajoaa-2080	102	24	to	to	ADP
ajoaa-2080	102	25	the	the	DET
ajoaa-2080	102	26	payment	payment	NOUN
ajoaa-2080	102	27	of	of	ADP
ajoaa-2080	102	28	previous	previous	ADJ
ajoaa-2080	102	29	loans	loan	NOUN
ajoaa-2080	102	30	.	.	PUNCT
ajoaa-2080	103	1	ijioma	ijioma	NOUN
ajoaa-2080	103	2	and	and	CCONJ
ajoaa-2080	103	3	osondu	osondu	NOUN
ajoaa-2080	103	4	(	(	PUNCT
ajoaa-2080	103	5	2015	2015	NUM
ajoaa-2080	103	6	)	)	PUNCT
ajoaa-2080	103	7	discovered	discover	VERB
ajoaa-2080	103	8	that	that	SCONJ
ajoaa-2080	103	9	if	if	SCONJ
ajoaa-2080	103	10	farmers	farmer	NOUN
ajoaa-2080	103	11	repaid	repay	VERB
ajoaa-2080	103	12	borrowed	borrow	VERB
ajoaa-2080	103	13	funds	fund	NOUN
ajoaa-2080	103	14	timeously	timeously	ADV
ajoaa-2080	103	15	without	without	ADP
ajoaa-2080	103	16	default	default	NOUN
ajoaa-2080	103	17	,	,	PUNCT
ajoaa-2080	103	18	lenders	lender	NOUN
ajoaa-2080	103	19	would	would	AUX
ajoaa-2080	103	20	become	become	VERB
ajoaa-2080	103	21	willing	willing	ADJ
ajoaa-2080	103	22	to	to	PART
ajoaa-2080	103	23	release	release	VERB
ajoaa-2080	103	24	more	more	ADJ
ajoaa-2080	103	25	asian	asian	ADJ
ajoaa-2080	103	26	journal	journal	NOUN
ajoaa-2080	103	27	of	of	ADP
ajoaa-2080	103	28	agriculture	agriculture	NOUN
ajoaa-2080	103	29	and	and	CCONJ
ajoaa-2080	103	30	rural	rural	ADJ
ajoaa-2080	103	31	development	development	NOUN
ajoaa-2080	103	32	,	,	PUNCT
ajoaa-2080	103	33	10(2)2020	10(2)2020	NUM
ajoaa-2080	103	34	:	:	PUNCT
ajoaa-2080	103	35	628	628	NUM
ajoaa-2080	103	36	-	-	SYM
ajoaa-2080	103	37	644	644	NUM
ajoaa-2080	103	38	633	633	NUM
ajoaa-2080	103	39	loans	loan	NOUN
ajoaa-2080	103	40	to	to	ADP
ajoaa-2080	103	41	them	they	PRON
ajoaa-2080	103	42	.	.	PUNCT
ajoaa-2080	104	1	it	it	PRON
ajoaa-2080	104	2	also	also	ADV
ajoaa-2080	104	3	validates	validate	VERB
ajoaa-2080	104	4	the	the	DET
ajoaa-2080	104	5	applicability	applicability	NOUN
ajoaa-2080	104	6	of	of	ADP
ajoaa-2080	104	7	the	the	DET
ajoaa-2080	104	8	character	character	NOUN
ajoaa-2080	104	9	component	component	NOUN
ajoaa-2080	104	10	of	of	ADP
ajoaa-2080	104	11	the	the	DET
ajoaa-2080	104	12	campari	campari	ADJ
ajoaa-2080	104	13	lending	lending	NOUN
ajoaa-2080	104	14	model	model	NOUN
ajoaa-2080	104	15	in	in	ADP
ajoaa-2080	104	16	zimbabwean	zimbabwean	ADJ
ajoaa-2080	104	17	commercial	commercial	ADJ
ajoaa-2080	104	18	banks	bank	NOUN
ajoaa-2080	104	19	.	.	PUNCT
ajoaa-2080	105	1	3.3	3.3	NUM
ajoaa-2080	105	2	.	.	PUNCT
ajoaa-2080	106	1	business	business	NOUN
ajoaa-2080	106	2	registration	registration	NOUN
ajoaa-2080	106	3	documents	document	NOUN
ajoaa-2080	106	4	business	business	NOUN
ajoaa-2080	106	5	registration	registration	NOUN
ajoaa-2080	106	6	documents	document	NOUN
ajoaa-2080	106	7	as	as	ADP
ajoaa-2080	106	8	a	a	DET
ajoaa-2080	106	9	lending	lending	NOUN
ajoaa-2080	106	10	requirement	requirement	NOUN
ajoaa-2080	106	11	received	receive	VERB
ajoaa-2080	106	12	another	another	DET
ajoaa-2080	106	13	highest	high	ADJ
ajoaa-2080	106	14	rii	rii	ADJ
ajoaa-2080	106	15	score	score	NOUN
ajoaa-2080	106	16	of	of	ADP
ajoaa-2080	106	17	1	1	NUM
ajoaa-2080	106	18	,	,	PUNCT
ajoaa-2080	106	19	after	after	ADP
ajoaa-2080	106	20	attaining	attain	VERB
ajoaa-2080	106	21	perfect	perfect	ADJ
ajoaa-2080	106	22	scores	score	NOUN
ajoaa-2080	106	23	from	from	ADP
ajoaa-2080	106	24	all	all	DET
ajoaa-2080	106	25	the	the	DET
ajoaa-2080	106	26	commercial	commercial	ADJ
ajoaa-2080	106	27	banks	bank	NOUN
ajoaa-2080	106	28	that	that	PRON
ajoaa-2080	106	29	participated	participate	VERB
ajoaa-2080	106	30	in	in	ADP
ajoaa-2080	106	31	the	the	DET
ajoaa-2080	106	32	study	study	NOUN
ajoaa-2080	106	33	(	(	PUNCT
ajoaa-2080	106	34	table	table	NOUN
ajoaa-2080	106	35	1	1	NUM
ajoaa-2080	106	36	)	)	PUNCT
ajoaa-2080	106	37	.	.	PUNCT
ajoaa-2080	107	1	according	accord	VERB
ajoaa-2080	107	2	to	to	ADP
ajoaa-2080	107	3	all	all	DET
ajoaa-2080	107	4	the	the	DET
ajoaa-2080	107	5	bank	bank	NOUN
ajoaa-2080	107	6	credit	credit	NOUN
ajoaa-2080	107	7	officers	officer	NOUN
ajoaa-2080	107	8	,	,	PUNCT
ajoaa-2080	107	9	business	business	NOUN
ajoaa-2080	107	10	registration	registration	NOUN
ajoaa-2080	107	11	documents	document	NOUN
ajoaa-2080	107	12	portrayed	portray	VERB
ajoaa-2080	107	13	the	the	DET
ajoaa-2080	107	14	legitimacy	legitimacy	NOUN
ajoaa-2080	107	15	of	of	ADP
ajoaa-2080	107	16	the	the	DET
ajoaa-2080	107	17	agricultural	agricultural	ADJ
ajoaa-2080	107	18	business	business	NOUN
ajoaa-2080	107	19	entity	entity	NOUN
ajoaa-2080	107	20	,	,	PUNCT
ajoaa-2080	107	21	and	and	CCONJ
ajoaa-2080	107	22	also	also	ADV
ajoaa-2080	107	23	positively	positively	ADV
ajoaa-2080	107	24	contributed	contribute	VERB
ajoaa-2080	107	25	to	to	ADP
ajoaa-2080	107	26	the	the	DET
ajoaa-2080	107	27	character	character	NOUN
ajoaa-2080	107	28	profile	profile	NOUN
ajoaa-2080	107	29	of	of	ADP
ajoaa-2080	107	30	the	the	DET
ajoaa-2080	107	31	farmer	farmer	NOUN
ajoaa-2080	107	32	.	.	PUNCT
ajoaa-2080	108	1	cb1	cb1	PROPN
ajoaa-2080	108	2	expounded	expound	VERB
ajoaa-2080	108	3	that	that	SCONJ
ajoaa-2080	108	4	the	the	DET
ajoaa-2080	108	5	verification	verification	NOUN
ajoaa-2080	108	6	of	of	ADP
ajoaa-2080	108	7	a	a	DET
ajoaa-2080	108	8	farmers	farmer	NOUN
ajoaa-2080	108	9	'	'	PART
ajoaa-2080	108	10	business	business	NOUN
ajoaa-2080	108	11	registration	registration	NOUN
ajoaa-2080	108	12	documents	document	NOUN
ajoaa-2080	108	13	like	like	ADP
ajoaa-2080	108	14	the	the	DET
ajoaa-2080	108	15	current	current	ADJ
ajoaa-2080	108	16	tax	tax	NOUN
ajoaa-2080	108	17	clearance	clearance	NOUN
ajoaa-2080	108	18	certificates	certificate	NOUN
ajoaa-2080	108	19	enabled	enable	VERB
ajoaa-2080	108	20	the	the	DET
ajoaa-2080	108	21	bank	bank	NOUN
ajoaa-2080	108	22	to	to	PART
ajoaa-2080	108	23	enforce	enforce	VERB
ajoaa-2080	108	24	tax	tax	NOUN
ajoaa-2080	108	25	compliance	compliance	NOUN
ajoaa-2080	108	26	issues	issue	NOUN
ajoaa-2080	108	27	within	within	ADP
ajoaa-2080	108	28	the	the	DET
ajoaa-2080	108	29	agricultural	agricultural	ADJ
ajoaa-2080	108	30	sector	sector	NOUN
ajoaa-2080	108	31	.	.	PUNCT
ajoaa-2080	109	1	on	on	ADP
ajoaa-2080	109	2	the	the	DET
ajoaa-2080	109	3	other	other	ADJ
ajoaa-2080	109	4	hand	hand	NOUN
ajoaa-2080	109	5	,	,	PUNCT
ajoaa-2080	109	6	cb4	cb4	PROPN
ajoaa-2080	109	7	reiterated	reiterate	VERB
ajoaa-2080	109	8	in	in	ADP
ajoaa-2080	109	9	its	its	PRON
ajoaa-2080	109	10	interview	interview	NOUN
ajoaa-2080	109	11	that	that	SCONJ
ajoaa-2080	109	12	this	this	DET
ajoaa-2080	109	13	lending	lending	NOUN
ajoaa-2080	109	14	requirement	requirement	NOUN
ajoaa-2080	109	15	was	be	AUX
ajoaa-2080	109	16	an	an	DET
ajoaa-2080	109	17	essential	essential	ADJ
ajoaa-2080	109	18	part	part	NOUN
ajoaa-2080	109	19	of	of	ADP
ajoaa-2080	109	20	the	the	DET
ajoaa-2080	109	21	know	know	NOUN
ajoaa-2080	109	22	your	your	PRON
ajoaa-2080	109	23	customer	customer	NOUN
ajoaa-2080	109	24	(	(	PUNCT
ajoaa-2080	109	25	kyc	kyc	PROPN
ajoaa-2080	109	26	)	)	PUNCT
ajoaa-2080	109	27	standards	standard	NOUN
ajoaa-2080	109	28	that	that	PRON
ajoaa-2080	109	29	are	be	AUX
ajoaa-2080	109	30	key	key	ADJ
ajoaa-2080	109	31	in	in	ADP
ajoaa-2080	109	32	bank	bank	NOUN
ajoaa-2080	109	33	lending	lending	NOUN
ajoaa-2080	109	34	.	.	PUNCT
ajoaa-2080	110	1	the	the	DET
ajoaa-2080	110	2	bank	bank	NOUN
ajoaa-2080	110	3	credit	credit	NOUN
ajoaa-2080	110	4	officer	officer	NOUN
ajoaa-2080	110	5	from	from	ADP
ajoaa-2080	110	6	cb5	cb5	PROPN
ajoaa-2080	110	7	specifically	specifically	ADV
ajoaa-2080	110	8	said	say	VERB
ajoaa-2080	110	9	,	,	PUNCT
ajoaa-2080	110	10	"	"	PUNCT
ajoaa-2080	110	11	an	an	DET
ajoaa-2080	110	12	agricultural	agricultural	ADJ
ajoaa-2080	110	13	enterprise	enterprise	NOUN
ajoaa-2080	110	14	must	must	AUX
ajoaa-2080	110	15	be	be	AUX
ajoaa-2080	110	16	a	a	DET
ajoaa-2080	110	17	registered	register	VERB
ajoaa-2080	110	18	company	company	NOUN
ajoaa-2080	110	19	with	with	ADP
ajoaa-2080	110	20	a	a	DET
ajoaa-2080	110	21	company	company	NOUN
ajoaa-2080	110	22	account	account	NOUN
ajoaa-2080	110	23	because	because	SCONJ
ajoaa-2080	110	24	we	we	PRON
ajoaa-2080	110	25	strictly	strictly	ADV
ajoaa-2080	110	26	offer	offer	VERB
ajoaa-2080	110	27	corporate	corporate	ADJ
ajoaa-2080	110	28	lending	lending	NOUN
ajoaa-2080	110	29	…	…	SYM
ajoaa-2080	110	30	tax	tax	NOUN
ajoaa-2080	110	31	clearance	clearance	NOUN
ajoaa-2080	110	32	is	be	AUX
ajoaa-2080	110	33	a	a	DET
ajoaa-2080	110	34	condition	condition	NOUN
ajoaa-2080	110	35	for	for	ADP
ajoaa-2080	110	36	loan	loan	NOUN
ajoaa-2080	110	37	access	access	NOUN
ajoaa-2080	110	38	"	"	PUNCT
ajoaa-2080	110	39	.	.	PUNCT
ajoaa-2080	111	1	cb8	cb8	PROPN
ajoaa-2080	111	2	also	also	ADV
ajoaa-2080	111	3	indicated	indicate	VERB
ajoaa-2080	111	4	that	that	SCONJ
ajoaa-2080	111	5	it	it	PRON
ajoaa-2080	111	6	only	only	ADV
ajoaa-2080	111	7	financed	finance	VERB
ajoaa-2080	111	8	registered	registered	ADJ
ajoaa-2080	111	9	companies	company	NOUN
ajoaa-2080	111	10	that	that	PRON
ajoaa-2080	111	11	could	could	AUX
ajoaa-2080	111	12	produce	produce	VERB
ajoaa-2080	111	13	documents	document	NOUN
ajoaa-2080	111	14	like	like	ADP
ajoaa-2080	111	15	the	the	DET
ajoaa-2080	111	16	cr6	cr6	PROPN
ajoaa-2080	111	17	,	,	PUNCT
ajoaa-2080	111	18	cr14	cr14	PROPN
ajoaa-2080	111	19	,	,	PUNCT
ajoaa-2080	111	20	and	and	CCONJ
ajoaa-2080	111	21	tax	tax	NOUN
ajoaa-2080	111	22	clearance	clearance	NOUN
ajoaa-2080	111	23	along	along	ADP
ajoaa-2080	111	24	with	with	ADP
ajoaa-2080	111	25	its	its	PRON
ajoaa-2080	111	26	credit	credit	NOUN
ajoaa-2080	111	27	application	application	NOUN
ajoaa-2080	111	28	.	.	PUNCT
ajoaa-2080	112	1	in	in	ADP
ajoaa-2080	112	2	the	the	DET
ajoaa-2080	112	3	case	case	NOUN
ajoaa-2080	112	4	of	of	ADP
ajoaa-2080	112	5	south	south	PROPN
ajoaa-2080	112	6	africa	africa	PROPN
ajoaa-2080	112	7	,	,	PUNCT
ajoaa-2080	112	8	mayowa	mayowa	PROPN
ajoaa-2080	112	9	(	(	PUNCT
ajoaa-2080	112	10	2015	2015	NUM
ajoaa-2080	112	11	)	)	PUNCT
ajoaa-2080	112	12	concluded	conclude	VERB
ajoaa-2080	112	13	that	that	SCONJ
ajoaa-2080	112	14	a	a	DET
ajoaa-2080	112	15	registered	register	VERB
ajoaa-2080	112	16	business	business	NOUN
ajoaa-2080	112	17	was	be	AUX
ajoaa-2080	112	18	one	one	NUM
ajoaa-2080	112	19	of	of	ADP
ajoaa-2080	112	20	the	the	DET
ajoaa-2080	112	21	key	key	ADJ
ajoaa-2080	112	22	requirements	requirement	NOUN
ajoaa-2080	112	23	set	set	VERB
ajoaa-2080	112	24	by	by	ADP
ajoaa-2080	112	25	the	the	DET
ajoaa-2080	112	26	land	land	NOUN
ajoaa-2080	112	27	bank	bank	NOUN
ajoaa-2080	112	28	in	in	ADP
ajoaa-2080	112	29	its	its	PRON
ajoaa-2080	112	30	lending	lending	NOUN
ajoaa-2080	112	31	programs	program	NOUN
ajoaa-2080	112	32	to	to	ADP
ajoaa-2080	112	33	smallholder	smallholder	NOUN
ajoaa-2080	112	34	farmers	farmer	NOUN
ajoaa-2080	112	35	and	and	CCONJ
ajoaa-2080	112	36	that	that	SCONJ
ajoaa-2080	112	37	credit	credit	NOUN
ajoaa-2080	112	38	access	access	NOUN
ajoaa-2080	112	39	increased	increase	VERB
ajoaa-2080	112	40	with	with	ADP
ajoaa-2080	112	41	the	the	DET
ajoaa-2080	112	42	smallholder	smallholder	NOUN
ajoaa-2080	112	43	farmers	farmer	NOUN
ajoaa-2080	112	44	registering	register	VERB
ajoaa-2080	112	45	their	their	PRON
ajoaa-2080	112	46	farms	farm	NOUN
ajoaa-2080	112	47	.	.	PUNCT
ajoaa-2080	113	1	these	these	DET
ajoaa-2080	113	2	findings	finding	NOUN
ajoaa-2080	113	3	also	also	ADV
ajoaa-2080	113	4	validate	validate	VERB
ajoaa-2080	113	5	further	far	ADV
ajoaa-2080	113	6	the	the	DET
ajoaa-2080	113	7	applicability	applicability	NOUN
ajoaa-2080	113	8	of	of	ADP
ajoaa-2080	113	9	the	the	DET
ajoaa-2080	113	10	campari	campari	ADJ
ajoaa-2080	113	11	model	model	NOUN
ajoaa-2080	113	12	in	in	ADP
ajoaa-2080	113	13	local	local	ADJ
ajoaa-2080	113	14	commercial	commercial	ADJ
ajoaa-2080	113	15	banks	bank	NOUN
ajoaa-2080	113	16	.	.	PUNCT
ajoaa-2080	114	1	3.4	3.4	NUM
ajoaa-2080	114	2	.	.	PUNCT
ajoaa-2080	114	3	productive	productive	ADJ
ajoaa-2080	114	4	farm	farm	NOUN
ajoaa-2080	114	5	assets	asset	NOUN
ajoaa-2080	114	6	all	all	DET
ajoaa-2080	114	7	the	the	DET
ajoaa-2080	114	8	commercial	commercial	ADJ
ajoaa-2080	114	9	banks	bank	NOUN
ajoaa-2080	114	10	always	always	ADV
ajoaa-2080	114	11	considered	consider	VERB
ajoaa-2080	114	12	the	the	DET
ajoaa-2080	114	13	presence	presence	NOUN
ajoaa-2080	114	14	of	of	ADP
ajoaa-2080	114	15	productive	productive	ADJ
ajoaa-2080	114	16	farm	farm	NOUN
ajoaa-2080	114	17	assets	asset	NOUN
ajoaa-2080	114	18	in	in	ADP
ajoaa-2080	114	19	their	their	PRON
ajoaa-2080	114	20	credit	credit	NOUN
ajoaa-2080	114	21	evaluation	evaluation	NOUN
ajoaa-2080	114	22	processes	process	NOUN
ajoaa-2080	114	23	because	because	SCONJ
ajoaa-2080	114	24	productive	productive	ADJ
ajoaa-2080	114	25	farm	farm	NOUN
ajoaa-2080	114	26	assets	asset	NOUN
ajoaa-2080	114	27	enhance	enhance	VERB
ajoaa-2080	114	28	the	the	DET
ajoaa-2080	114	29	production	production	NOUN
ajoaa-2080	114	30	capacity	capacity	NOUN
ajoaa-2080	114	31	,	,	PUNCT
ajoaa-2080	114	32	income	income	NOUN
ajoaa-2080	114	33	and	and	CCONJ
ajoaa-2080	114	34	loan	loan	NOUN
ajoaa-2080	114	35	repayment	repayment	NOUN
ajoaa-2080	114	36	ability	ability	NOUN
ajoaa-2080	114	37	of	of	ADP
ajoaa-2080	114	38	the	the	DET
ajoaa-2080	114	39	farmer	farmer	NOUN
ajoaa-2080	114	40	.	.	PUNCT
ajoaa-2080	115	1	the	the	DET
ajoaa-2080	115	2	requirement	requirement	NOUN
ajoaa-2080	115	3	also	also	ADV
ajoaa-2080	115	4	scored	score	VERB
ajoaa-2080	115	5	the	the	DET
ajoaa-2080	115	6	highest	high	ADJ
ajoaa-2080	115	7	rii	rii	ADJ
ajoaa-2080	115	8	score	score	NOUN
ajoaa-2080	115	9	of	of	ADP
ajoaa-2080	115	10	1	1	NUM
ajoaa-2080	115	11	(	(	PUNCT
ajoaa-2080	115	12	table	table	NOUN
ajoaa-2080	115	13	1	1	NUM
ajoaa-2080	115	14	)	)	PUNCT
ajoaa-2080	115	15	.	.	PUNCT
ajoaa-2080	116	1	all	all	DET
ajoaa-2080	116	2	the	the	DET
ajoaa-2080	116	3	banks	bank	NOUN
ajoaa-2080	116	4	specifically	specifically	ADV
ajoaa-2080	116	5	emphasized	emphasize	VERB
ajoaa-2080	116	6	the	the	DET
ajoaa-2080	116	7	need	need	NOUN
ajoaa-2080	116	8	for	for	ADP
ajoaa-2080	116	9	irrigation	irrigation	NOUN
ajoaa-2080	116	10	facilities	facility	NOUN
ajoaa-2080	116	11	on	on	ADP
ajoaa-2080	116	12	the	the	DET
ajoaa-2080	116	13	farm	farm	NOUN
ajoaa-2080	116	14	.	.	PUNCT
ajoaa-2080	117	1	cb1	cb1	PROPN
ajoaa-2080	117	2	's	's	PART
ajoaa-2080	117	3	bank	bank	NOUN
ajoaa-2080	117	4	credit	credit	NOUN
ajoaa-2080	117	5	officer	officer	NOUN
ajoaa-2080	117	6	underlined	underline	VERB
ajoaa-2080	117	7	that	that	SCONJ
ajoaa-2080	117	8	the	the	DET
ajoaa-2080	117	9	bank	bank	NOUN
ajoaa-2080	117	10	no	no	ADV
ajoaa-2080	117	11	longer	long	ADV
ajoaa-2080	117	12	financed	finance	VERB
ajoaa-2080	117	13	dryland	dryland	NOUN
ajoaa-2080	117	14	farming	farming	NOUN
ajoaa-2080	117	15	and	and	CCONJ
ajoaa-2080	117	16	that	that	DET
ajoaa-2080	117	17	irrigation	irrigation	NOUN
ajoaa-2080	117	18	was	be	AUX
ajoaa-2080	117	19	mandatory	mandatory	ADJ
ajoaa-2080	117	20	for	for	ADP
ajoaa-2080	117	21	a	a	DET
ajoaa-2080	117	22	farmer	farmer	NOUN
ajoaa-2080	117	23	who	who	PRON
ajoaa-2080	117	24	wished	wish	VERB
ajoaa-2080	117	25	to	to	PART
ajoaa-2080	117	26	receive	receive	VERB
ajoaa-2080	117	27	an	an	DET
ajoaa-2080	117	28	agricultural	agricultural	ADJ
ajoaa-2080	117	29	production	production	NOUN
ajoaa-2080	117	30	bank	bank	NOUN
ajoaa-2080	117	31	loan	loan	NOUN
ajoaa-2080	117	32	(	(	PUNCT
ajoaa-2080	117	33	figure	figure	NOUN
ajoaa-2080	117	34	1	1	NUM
ajoaa-2080	117	35	)	)	PUNCT
ajoaa-2080	117	36	.	.	PUNCT
ajoaa-2080	118	1	similarly	similarly	ADV
ajoaa-2080	118	2	,	,	PUNCT
ajoaa-2080	118	3	cb5	cb5	PROPN
ajoaa-2080	118	4	's	's	PART
ajoaa-2080	118	5	bank	bank	NOUN
ajoaa-2080	118	6	credit	credit	NOUN
ajoaa-2080	118	7	officer	officer	NOUN
ajoaa-2080	118	8	declared	declare	VERB
ajoaa-2080	118	9	that	that	SCONJ
ajoaa-2080	118	10	they	they	PRON
ajoaa-2080	118	11	did	do	AUX
ajoaa-2080	118	12	not	not	PART
ajoaa-2080	118	13	finance	finance	VERB
ajoaa-2080	118	14	dryland	dryland	NOUN
ajoaa-2080	118	15	farming	farming	NOUN
ajoaa-2080	118	16	and	and	CCONJ
ajoaa-2080	118	17	that	that	SCONJ
ajoaa-2080	118	18	this	this	PRON
ajoaa-2080	118	19	had	have	AUX
ajoaa-2080	118	20	been	be	AUX
ajoaa-2080	118	21	adopted	adopt	VERB
ajoaa-2080	118	22	as	as	ADP
ajoaa-2080	118	23	a	a	DET
ajoaa-2080	118	24	bank	bank	NOUN
ajoaa-2080	118	25	policy	policy	NOUN
ajoaa-2080	118	26	(	(	PUNCT
ajoaa-2080	118	27	figure	figure	NOUN
ajoaa-2080	118	28	1	1	NUM
ajoaa-2080	118	29	)	)	PUNCT
ajoaa-2080	118	30	.	.	PUNCT
ajoaa-2080	119	1	cb8	cb8	PROPN
ajoaa-2080	119	2	also	also	ADV
ajoaa-2080	119	3	revealed	reveal	VERB
ajoaa-2080	119	4	that	that	SCONJ
ajoaa-2080	119	5	its	its	PRON
ajoaa-2080	119	6	key	key	ADJ
ajoaa-2080	119	7	condition	condition	NOUN
ajoaa-2080	119	8	for	for	ADP
ajoaa-2080	119	9	advancing	advance	VERB
ajoaa-2080	119	10	a	a	DET
ajoaa-2080	119	11	loan	loan	NOUN
ajoaa-2080	119	12	to	to	ADP
ajoaa-2080	119	13	an	an	DET
ajoaa-2080	119	14	agricultural	agricultural	ADJ
ajoaa-2080	119	15	enterprise	enterprise	NOUN
ajoaa-2080	119	16	was	be	AUX
ajoaa-2080	119	17	that	that	SCONJ
ajoaa-2080	119	18	70	70	NUM
ajoaa-2080	119	19	%	%	NOUN
ajoaa-2080	119	20	of	of	ADP
ajoaa-2080	119	21	its	its	PRON
ajoaa-2080	119	22	crop	crop	NOUN
ajoaa-2080	119	23	had	have	VERB
ajoaa-2080	119	24	to	to	PART
ajoaa-2080	119	25	be	be	AUX
ajoaa-2080	119	26	under	under	ADP
ajoaa-2080	119	27	irrigation	irrigation	NOUN
ajoaa-2080	119	28	.	.	PUNCT
ajoaa-2080	120	1	however	however	ADV
ajoaa-2080	120	2	,	,	PUNCT
ajoaa-2080	120	3	cb1	cb1	PROPN
ajoaa-2080	120	4	stressed	stress	VERB
ajoaa-2080	120	5	that	that	SCONJ
ajoaa-2080	120	6	it	it	PRON
ajoaa-2080	120	7	was	be	AUX
ajoaa-2080	120	8	selective	selective	ADJ
ajoaa-2080	120	9	on	on	ADP
ajoaa-2080	120	10	the	the	DET
ajoaa-2080	120	11	type	type	NOUN
ajoaa-2080	120	12	of	of	ADP
ajoaa-2080	120	13	physical	physical	ADJ
ajoaa-2080	120	14	assets	asset	NOUN
ajoaa-2080	120	15	that	that	PRON
ajoaa-2080	120	16	a	a	DET
ajoaa-2080	120	17	farmer	farmer	NOUN
ajoaa-2080	120	18	had	have	VERB
ajoaa-2080	120	19	because	because	SCONJ
ajoaa-2080	120	20	most	most	ADJ
ajoaa-2080	120	21	farms	farm	NOUN
ajoaa-2080	120	22	owned	own	VERB
ajoaa-2080	120	23	movables	movable	NOUN
ajoaa-2080	120	24	that	that	PRON
ajoaa-2080	120	25	were	be	AUX
ajoaa-2080	120	26	not	not	PART
ajoaa-2080	120	27	valuable	valuable	ADJ
ajoaa-2080	120	28	and	and	CCONJ
ajoaa-2080	120	29	did	do	AUX
ajoaa-2080	120	30	not	not	PART
ajoaa-2080	120	31	provide	provide	VERB
ajoaa-2080	120	32	recoverability	recoverability	NOUN
ajoaa-2080	120	33	.	.	PUNCT
ajoaa-2080	121	1	cb1	cb1	PROPN
ajoaa-2080	121	2	went	go	VERB
ajoaa-2080	121	3	on	on	ADP
ajoaa-2080	121	4	to	to	PART
ajoaa-2080	121	5	declare	declare	VERB
ajoaa-2080	121	6	that	that	SCONJ
ajoaa-2080	121	7	the	the	DET
ajoaa-2080	121	8	only	only	ADJ
ajoaa-2080	121	9	movable	movable	ADJ
ajoaa-2080	121	10	asset	asset	NOUN
ajoaa-2080	121	11	that	that	PRON
ajoaa-2080	121	12	stored	store	VERB
ajoaa-2080	121	13	value	value	NOUN
ajoaa-2080	121	14	on	on	ADP
ajoaa-2080	121	15	a	a	DET
ajoaa-2080	121	16	farm	farm	NOUN
ajoaa-2080	121	17	was	be	AUX
ajoaa-2080	121	18	the	the	DET
ajoaa-2080	121	19	center	center	ADJ
ajoaa-2080	121	20	pivot	pivot	NOUN
ajoaa-2080	121	21	(	(	PUNCT
ajoaa-2080	121	22	irrigation	irrigation	NOUN
ajoaa-2080	121	23	equipment	equipment	NOUN
ajoaa-2080	121	24	)	)	PUNCT
ajoaa-2080	121	25	,	,	PUNCT
ajoaa-2080	121	26	which	which	PRON
ajoaa-2080	121	27	had	have	VERB
ajoaa-2080	121	28	a	a	DET
ajoaa-2080	121	29	25	25	NUM
ajoaa-2080	121	30	-	-	SYM
ajoaa-2080	121	31	30	30	NUM
ajoaa-2080	121	32	-	-	PUNCT
ajoaa-2080	121	33	year	year	NOUN
ajoaa-2080	121	34	lifespan	lifespan	NOUN
ajoaa-2080	121	35	.	.	PUNCT
ajoaa-2080	122	1	figure	figure	VERB
ajoaa-2080	122	2	1	1	NUM
ajoaa-2080	122	3	:	:	PUNCT
ajoaa-2080	122	4	word	word	NOUN
ajoaa-2080	122	5	tree	tree	NOUN
ajoaa-2080	122	6	output	output	NOUN
ajoaa-2080	122	7	for	for	ADP
ajoaa-2080	122	8	the	the	DET
ajoaa-2080	122	9	word	word	NOUN
ajoaa-2080	122	10	"	"	PUNCT
ajoaa-2080	122	11	irrigation	irrigation	NOUN
ajoaa-2080	122	12	"	"	PUNCT
ajoaa-2080	122	13	source	source	NOUN
ajoaa-2080	122	14	:	:	PUNCT
ajoaa-2080	122	15	primary	primary	ADJ
ajoaa-2080	122	16	data	datum	NOUN
ajoaa-2080	122	17	,	,	PUNCT
ajoaa-2080	122	18	2019	2019	NUM
ajoaa-2080	122	19	these	these	DET
ajoaa-2080	122	20	findings	finding	NOUN
ajoaa-2080	122	21	confirm	confirm	VERB
ajoaa-2080	122	22	claims	claim	NOUN
ajoaa-2080	122	23	that	that	SCONJ
ajoaa-2080	122	24	zimbabwean	zimbabwean	ADJ
ajoaa-2080	122	25	banks	bank	NOUN
ajoaa-2080	122	26	are	be	AUX
ajoaa-2080	122	27	now	now	ADV
ajoaa-2080	122	28	reluctant	reluctant	ADJ
ajoaa-2080	122	29	to	to	PART
ajoaa-2080	122	30	fund	fund	VERB
ajoaa-2080	122	31	local	local	ADJ
ajoaa-2080	122	32	farmers	farmer	NOUN
ajoaa-2080	122	33	due	due	ADP
ajoaa-2080	122	34	to	to	ADP
ajoaa-2080	122	35	the	the	DET
ajoaa-2080	122	36	recurring	recur	VERB
ajoaa-2080	122	37	el	el	PROPN
ajoaa-2080	122	38	-	-	PUNCT
ajoaa-2080	122	39	nino	nino	PROPN
ajoaa-2080	122	40	induced	induce	VERB
ajoaa-2080	122	41	droughts	drought	NOUN
ajoaa-2080	122	42	in	in	ADP
ajoaa-2080	122	43	the	the	DET
ajoaa-2080	122	44	country	country	NOUN
ajoaa-2080	122	45	and	and	CCONJ
ajoaa-2080	122	46	their	their	PRON
ajoaa-2080	122	47	high	high	ADJ
ajoaa-2080	122	48	dependence	dependence	NOUN
ajoaa-2080	122	49	on	on	ADP
ajoaa-2080	122	50	rainfed	rainfed	ADJ
ajoaa-2080	122	51	agriculture	agriculture	NOUN
ajoaa-2080	122	52	,	,	PUNCT
ajoaa-2080	122	53	which	which	PRON
ajoaa-2080	122	54	all	all	PRON
ajoaa-2080	122	55	negatively	negatively	ADV
ajoaa-2080	122	56	affect	affect	VERB
ajoaa-2080	122	57	their	their	PRON
ajoaa-2080	122	58	production	production	NOUN
ajoaa-2080	122	59	,	,	PUNCT
ajoaa-2080	122	60	income	income	NOUN
ajoaa-2080	122	61	and	and	CCONJ
ajoaa-2080	122	62	loan	loan	NOUN
ajoaa-2080	122	63	repayment	repayment	NOUN
ajoaa-2080	122	64	ability	ability	NOUN
ajoaa-2080	122	65	(	(	PUNCT
ajoaa-2080	122	66	united	united	PROPN
ajoaa-2080	122	67	nations	nations	PROPN
ajoaa-2080	122	68	,	,	PUNCT
ajoaa-2080	122	69	2014	2014	NUM
ajoaa-2080	122	70	;	;	PUNCT
ajoaa-2080	122	71	vitoria	vitoria	PROPN
ajoaa-2080	122	72	et	et	PROPN
ajoaa-2080	122	73	al	al	PROPN
ajoaa-2080	122	74	.	.	PROPN
ajoaa-2080	122	75	,	,	PUNCT
ajoaa-2080	122	76	2012	2012	NUM
ajoaa-2080	122	77	)	)	PUNCT
ajoaa-2080	122	78	.	.	PUNCT
ajoaa-2080	123	1	similarly	similarly	ADV
ajoaa-2080	123	2	,	,	PUNCT
ajoaa-2080	123	3	samuel	samuel	PROPN
ajoaa-2080	123	4	et	et	PROPN
ajoaa-2080	123	5	al	al	PROPN
ajoaa-2080	123	6	.	.	PROPN
ajoaa-2080	124	1	(	(	PUNCT
ajoaa-2080	124	2	2015	2015	NUM
ajoaa-2080	124	3	)	)	PUNCT
ajoaa-2080	124	4	discovered	discover	VERB
ajoaa-2080	124	5	that	that	SCONJ
ajoaa-2080	124	6	lenders	lender	NOUN
ajoaa-2080	124	7	perceived	perceive	VERB
ajoaa-2080	124	8	farmers	farmer	NOUN
ajoaa-2080	124	9	with	with	ADP
ajoaa-2080	124	10	irrigation	irrigation	NOUN
ajoaa-2080	124	11	facilities	facility	NOUN
ajoaa-2080	124	12	as	as	ADP
ajoaa-2080	124	13	capable	capable	ADJ
ajoaa-2080	124	14	of	of	ADP
ajoaa-2080	124	15	timeously	timeously	ADV
ajoaa-2080	124	16	repaying	repay	VERB
ajoaa-2080	124	17	their	their	PRON
ajoaa-2080	124	18	loans	loan	NOUN
ajoaa-2080	124	19	because	because	SCONJ
ajoaa-2080	124	20	they	they	PRON
ajoaa-2080	124	21	had	have	VERB
ajoaa-2080	124	22	less	less	ADJ
ajoaa-2080	124	23	risk	risk	NOUN
ajoaa-2080	124	24	of	of	ADP
ajoaa-2080	124	25	loss	loss	NOUN
ajoaa-2080	124	26	from	from	ADP
ajoaa-2080	124	27	rainfall	rainfall	NOUN
ajoaa-2080	124	28	fluctuations	fluctuation	NOUN
ajoaa-2080	124	29	in	in	ADP
ajoaa-2080	124	30	dharwad	dharwad	PROPN
ajoaa-2080	124	31	district	district	PROPN
ajoaa-2080	124	32	of	of	ADP
ajoaa-2080	124	33	karnataka	karnataka	PROPN
ajoaa-2080	124	34	in	in	ADP
ajoaa-2080	124	35	india	india	PROPN
ajoaa-2080	124	36	.	.	PUNCT
ajoaa-2080	125	1	asian	asian	PROPN
ajoaa-2080	125	2	journal	journal	PROPN
ajoaa-2080	125	3	of	of	ADP
ajoaa-2080	125	4	agriculture	agriculture	NOUN
ajoaa-2080	125	5	and	and	CCONJ
ajoaa-2080	125	6	rural	rural	ADJ
ajoaa-2080	125	7	development	development	NOUN
ajoaa-2080	125	8	,	,	PUNCT
ajoaa-2080	125	9	10(2)2020	10(2)2020	NUM
ajoaa-2080	125	10	:	:	PUNCT
ajoaa-2080	125	11	628	628	NUM
ajoaa-2080	125	12	-	-	SYM
ajoaa-2080	125	13	644	644	NUM
ajoaa-2080	125	14	634	634	NUM
ajoaa-2080	125	15	credit	credit	NOUN
ajoaa-2080	125	16	access	access	NOUN
ajoaa-2080	125	17	in	in	ADP
ajoaa-2080	125	18	the	the	DET
ajoaa-2080	125	19	land	land	NOUN
ajoaa-2080	125	20	bank	bank	PROPN
ajoaa-2080	125	21	of	of	ADP
ajoaa-2080	125	22	south	south	PROPN
ajoaa-2080	125	23	africa	africa	PROPN
ajoaa-2080	125	24	was	be	AUX
ajoaa-2080	125	25	also	also	ADV
ajoaa-2080	125	26	discovered	discover	VERB
ajoaa-2080	125	27	to	to	PART
ajoaa-2080	125	28	be	be	AUX
ajoaa-2080	125	29	higher	high	ADJ
ajoaa-2080	125	30	among	among	ADP
ajoaa-2080	125	31	farmers	farmer	NOUN
ajoaa-2080	125	32	who	who	PRON
ajoaa-2080	125	33	had	have	VERB
ajoaa-2080	125	34	irrigation	irrigation	NOUN
ajoaa-2080	125	35	sources	source	NOUN
ajoaa-2080	125	36	in	in	ADP
ajoaa-2080	125	37	their	their	PRON
ajoaa-2080	125	38	farms	farm	NOUN
ajoaa-2080	125	39	(	(	PUNCT
ajoaa-2080	125	40	mayowa	mayowa	ADJ
ajoaa-2080	125	41	,	,	PUNCT
ajoaa-2080	125	42	2015	2015	NUM
ajoaa-2080	125	43	)	)	PUNCT
ajoaa-2080	125	44	.	.	PUNCT
ajoaa-2080	126	1	several	several	ADJ
ajoaa-2080	126	2	studies	study	NOUN
ajoaa-2080	126	3	from	from	ADP
ajoaa-2080	126	4	different	different	ADJ
ajoaa-2080	126	5	countries	country	NOUN
ajoaa-2080	126	6	have	have	AUX
ajoaa-2080	126	7	also	also	ADV
ajoaa-2080	126	8	demonstrated	demonstrate	VERB
ajoaa-2080	126	9	that	that	SCONJ
ajoaa-2080	126	10	farm	farm	NOUN
ajoaa-2080	126	11	assets	asset	NOUN
ajoaa-2080	126	12	enhance	enhance	VERB
ajoaa-2080	126	13	access	access	NOUN
ajoaa-2080	126	14	to	to	ADP
ajoaa-2080	126	15	bank	bank	NOUN
ajoaa-2080	126	16	credit	credit	NOUN
ajoaa-2080	126	17	for	for	ADP
ajoaa-2080	126	18	farmers	farmer	NOUN
ajoaa-2080	126	19	by	by	ADP
ajoaa-2080	126	20	fulfilling	fulfil	VERB
ajoaa-2080	126	21	the	the	DET
ajoaa-2080	126	22	collateral	collateral	ADJ
ajoaa-2080	126	23	requirements	requirement	NOUN
ajoaa-2080	126	24	by	by	ADP
ajoaa-2080	126	25	banks	bank	NOUN
ajoaa-2080	126	26	.	.	PUNCT
ajoaa-2080	127	1	moreover	moreover	ADV
ajoaa-2080	127	2	,	,	PUNCT
ajoaa-2080	127	3	the	the	DET
ajoaa-2080	127	4	requirement	requirement	NOUN
ajoaa-2080	127	5	for	for	ADP
ajoaa-2080	127	6	farm	farm	NOUN
ajoaa-2080	127	7	assets	asset	NOUN
ajoaa-2080	127	8	by	by	ADP
ajoaa-2080	127	9	banks	bank	NOUN
ajoaa-2080	127	10	was	be	AUX
ajoaa-2080	127	11	centered	center	VERB
ajoaa-2080	127	12	on	on	ADP
ajoaa-2080	127	13	the	the	DET
ajoaa-2080	127	14	fact	fact	NOUN
ajoaa-2080	127	15	that	that	SCONJ
ajoaa-2080	127	16	they	they	PRON
ajoaa-2080	127	17	enhanced	enhance	VERB
ajoaa-2080	127	18	productive	productive	ADJ
ajoaa-2080	127	19	farm	farm	NOUN
ajoaa-2080	127	20	capacity	capacity	NOUN
ajoaa-2080	127	21	.	.	PUNCT
ajoaa-2080	128	1	such	such	ADJ
ajoaa-2080	128	2	studies	study	NOUN
ajoaa-2080	128	3	that	that	PRON
ajoaa-2080	128	4	established	establish	VERB
ajoaa-2080	128	5	higher	high	ADJ
ajoaa-2080	128	6	credit	credit	NOUN
ajoaa-2080	128	7	access	access	NOUN
ajoaa-2080	128	8	among	among	ADP
ajoaa-2080	128	9	farmers	farmer	NOUN
ajoaa-2080	128	10	who	who	PRON
ajoaa-2080	128	11	had	have	VERB
ajoaa-2080	128	12	the	the	DET
ajoaa-2080	128	13	required	require	VERB
ajoaa-2080	128	14	productive	productive	ADJ
ajoaa-2080	128	15	assets	asset	NOUN
ajoaa-2080	128	16	by	by	ADP
ajoaa-2080	128	17	banks	bank	NOUN
ajoaa-2080	128	18	include	include	VERB
ajoaa-2080	128	19	mayowa	mayowa	NOUN
ajoaa-2080	128	20	(	(	PUNCT
ajoaa-2080	128	21	2015	2015	NUM
ajoaa-2080	128	22	)	)	PUNCT
ajoaa-2080	128	23	(	(	PUNCT
ajoaa-2080	128	24	south	south	PROPN
ajoaa-2080	128	25	africa	africa	PROPN
ajoaa-2080	128	26	)	)	PUNCT
ajoaa-2080	128	27	and	and	CCONJ
ajoaa-2080	128	28	njogu	njogu	INTJ
ajoaa-2080	128	29	et	et	PROPN
ajoaa-2080	128	30	al	al	PROPN
ajoaa-2080	128	31	.	.	PROPN
ajoaa-2080	129	1	(	(	PUNCT
ajoaa-2080	129	2	2018	2018	NUM
ajoaa-2080	129	3	)	)	PUNCT
ajoaa-2080	129	4	(	(	PUNCT
ajoaa-2080	129	5	kenya	kenya	PROPN
ajoaa-2080	129	6	)	)	PUNCT
ajoaa-2080	129	7	.	.	PUNCT
ajoaa-2080	130	1	however	however	ADV
ajoaa-2080	130	2	,	,	PUNCT
ajoaa-2080	130	3	wulandari	wulandari	X
ajoaa-2080	130	4	et	et	PROPN
ajoaa-2080	130	5	al	al	PROPN
ajoaa-2080	130	6	.	.	PROPN
ajoaa-2080	131	1	(	(	PUNCT
ajoaa-2080	131	2	2017	2017	NUM
ajoaa-2080	131	3	)	)	PUNCT
ajoaa-2080	131	4	discovered	discover	VERB
ajoaa-2080	131	5	that	that	SCONJ
ajoaa-2080	131	6	collateral	collateral	NOUN
ajoaa-2080	131	7	assets	asset	NOUN
ajoaa-2080	131	8	owned	own	VERB
ajoaa-2080	131	9	by	by	ADP
ajoaa-2080	131	10	farmers	farmer	NOUN
ajoaa-2080	131	11	were	be	AUX
ajoaa-2080	131	12	a	a	DET
ajoaa-2080	131	13	less	less	ADV
ajoaa-2080	131	14	important	important	ADJ
ajoaa-2080	131	15	requirement	requirement	NOUN
ajoaa-2080	131	16	to	to	PART
ajoaa-2080	131	17	obtain	obtain	VERB
ajoaa-2080	131	18	finance	finance	NOUN
ajoaa-2080	131	19	in	in	ADP
ajoaa-2080	131	20	indonesia	indonesia	PROPN
ajoaa-2080	131	21	.	.	PUNCT
ajoaa-2080	132	1	these	these	DET
ajoaa-2080	132	2	findings	finding	NOUN
ajoaa-2080	132	3	have	have	AUX
ajoaa-2080	132	4	shown	show	VERB
ajoaa-2080	132	5	the	the	DET
ajoaa-2080	132	6	banks	bank	NOUN
ajoaa-2080	132	7	'	'	PART
ajoaa-2080	132	8	emphasis	emphasis	NOUN
ajoaa-2080	132	9	on	on	ADP
ajoaa-2080	132	10	farm	farm	NOUN
ajoaa-2080	132	11	viability	viability	NOUN
ajoaa-2080	132	12	to	to	PART
ajoaa-2080	132	13	ensure	ensure	VERB
ajoaa-2080	132	14	enhanced	enhanced	ADJ
ajoaa-2080	132	15	ability	ability	NOUN
ajoaa-2080	132	16	to	to	PART
ajoaa-2080	132	17	repay	repay	VERB
ajoaa-2080	132	18	loans	loan	NOUN
ajoaa-2080	132	19	,	,	PUNCT
ajoaa-2080	132	20	and	and	CCONJ
ajoaa-2080	132	21	also	also	ADV
ajoaa-2080	132	22	the	the	DET
ajoaa-2080	132	23	collateral	collateral	ADJ
ajoaa-2080	132	24	role	role	NOUN
ajoaa-2080	132	25	that	that	PRON
ajoaa-2080	132	26	farm	farm	NOUN
ajoaa-2080	132	27	assets	asset	NOUN
ajoaa-2080	132	28	can	can	AUX
ajoaa-2080	132	29	play	play	VERB
ajoaa-2080	132	30	.	.	PUNCT
ajoaa-2080	133	1	it	it	PRON
ajoaa-2080	133	2	validates	validate	VERB
ajoaa-2080	133	3	the	the	DET
ajoaa-2080	133	4	application	application	NOUN
ajoaa-2080	133	5	of	of	ADP
ajoaa-2080	133	6	the	the	DET
ajoaa-2080	133	7	ability	ability	NOUN
ajoaa-2080	133	8	,	,	PUNCT
ajoaa-2080	133	9	repayment	repayment	NOUN
ajoaa-2080	133	10	and	and	CCONJ
ajoaa-2080	133	11	insurance	insurance	NOUN
ajoaa-2080	133	12	requirements	requirement	NOUN
ajoaa-2080	133	13	of	of	ADP
ajoaa-2080	133	14	the	the	DET
ajoaa-2080	133	15	campari	campari	ADJ
ajoaa-2080	133	16	lending	lending	NOUN
ajoaa-2080	133	17	model	model	NOUN
ajoaa-2080	133	18	in	in	ADP
ajoaa-2080	133	19	local	local	ADJ
ajoaa-2080	133	20	banks	bank	NOUN
ajoaa-2080	133	21	.	.	PUNCT
ajoaa-2080	134	1	3.5	3.5	NUM
ajoaa-2080	134	2	.	.	PUNCT
ajoaa-2080	135	1	clear	clear	ADJ
ajoaa-2080	135	2	and	and	CCONJ
ajoaa-2080	135	3	supported	support	VERB
ajoaa-2080	135	4	loan	loan	NOUN
ajoaa-2080	135	5	purpose	purpose	NOUN
ajoaa-2080	135	6	a	a	DET
ajoaa-2080	135	7	clear	clear	ADJ
ajoaa-2080	135	8	and	and	CCONJ
ajoaa-2080	135	9	supported	support	VERB
ajoaa-2080	135	10	loan	loan	NOUN
ajoaa-2080	135	11	purpose	purpose	NOUN
ajoaa-2080	135	12	was	be	AUX
ajoaa-2080	135	13	also	also	ADV
ajoaa-2080	135	14	mandatory	mandatory	ADJ
ajoaa-2080	135	15	in	in	ADP
ajoaa-2080	135	16	all	all	DET
ajoaa-2080	135	17	commercial	commercial	ADJ
ajoaa-2080	135	18	banks	bank	NOUN
ajoaa-2080	135	19	under	under	ADP
ajoaa-2080	135	20	study	study	NOUN
ajoaa-2080	135	21	.	.	PUNCT
ajoaa-2080	136	1	the	the	DET
ajoaa-2080	136	2	requirement	requirement	NOUN
ajoaa-2080	136	3	also	also	ADV
ajoaa-2080	136	4	attained	attain	VERB
ajoaa-2080	136	5	a	a	DET
ajoaa-2080	136	6	perfect	perfect	ADJ
ajoaa-2080	136	7	rii	rii	NOUN
ajoaa-2080	136	8	score	score	NOUN
ajoaa-2080	136	9	of	of	ADP
ajoaa-2080	136	10	1	1	NUM
ajoaa-2080	136	11	(	(	PUNCT
ajoaa-2080	136	12	table	table	NOUN
ajoaa-2080	136	13	1	1	NUM
ajoaa-2080	136	14	)	)	PUNCT
ajoaa-2080	136	15	.	.	PUNCT
ajoaa-2080	137	1	according	accord	VERB
ajoaa-2080	137	2	to	to	ADP
ajoaa-2080	137	3	all	all	DET
ajoaa-2080	137	4	the	the	DET
ajoaa-2080	137	5	bank	bank	NOUN
ajoaa-2080	137	6	credit	credit	NOUN
ajoaa-2080	137	7	officers	officer	NOUN
ajoaa-2080	137	8	,	,	PUNCT
ajoaa-2080	137	9	local	local	ADJ
ajoaa-2080	137	10	farmers	farmer	NOUN
ajoaa-2080	137	11	were	be	AUX
ajoaa-2080	137	12	compelled	compel	VERB
ajoaa-2080	137	13	to	to	PART
ajoaa-2080	137	14	disclose	disclose	VERB
ajoaa-2080	137	15	loan	loan	NOUN
ajoaa-2080	137	16	purposes	purpose	NOUN
ajoaa-2080	137	17	that	that	PRON
ajoaa-2080	137	18	were	be	AUX
ajoaa-2080	137	19	legally	legally	ADV
ajoaa-2080	137	20	acceptable	acceptable	ADJ
ajoaa-2080	137	21	in	in	ADP
ajoaa-2080	137	22	zimbabwe	zimbabwe	PROPN
ajoaa-2080	137	23	.	.	PUNCT
ajoaa-2080	138	1	abbadi	abbadi	PROPN
ajoaa-2080	138	2	and	and	CCONJ
ajoaa-2080	138	3	karsh	karsh	PROPN
ajoaa-2080	138	4	(	(	PUNCT
ajoaa-2080	138	5	2013	2013	NUM
ajoaa-2080	138	6	)	)	PUNCT
ajoaa-2080	138	7	confirm	confirm	VERB
ajoaa-2080	138	8	that	that	SCONJ
ajoaa-2080	138	9	a	a	DET
ajoaa-2080	138	10	potential	potential	ADJ
ajoaa-2080	138	11	borrower	borrower	NOUN
ajoaa-2080	138	12	is	be	AUX
ajoaa-2080	138	13	obligated	obligate	VERB
ajoaa-2080	138	14	to	to	PART
ajoaa-2080	138	15	define	define	VERB
ajoaa-2080	138	16	the	the	DET
ajoaa-2080	138	17	purpose	purpose	NOUN
ajoaa-2080	138	18	of	of	ADP
ajoaa-2080	138	19	the	the	DET
ajoaa-2080	138	20	loan	loan	NOUN
ajoaa-2080	138	21	to	to	PART
ajoaa-2080	138	22	enable	enable	VERB
ajoaa-2080	138	23	the	the	DET
ajoaa-2080	138	24	lender	lender	NOUN
ajoaa-2080	138	25	to	to	PART
ajoaa-2080	138	26	ascertain	ascertain	VERB
ajoaa-2080	138	27	the	the	DET
ajoaa-2080	138	28	acceptability	acceptability	NOUN
ajoaa-2080	138	29	of	of	ADP
ajoaa-2080	138	30	the	the	DET
ajoaa-2080	138	31	project	project	NOUN
ajoaa-2080	138	32	and	and	CCONJ
ajoaa-2080	138	33	the	the	DET
ajoaa-2080	138	34	riskiness	riskiness	NOUN
ajoaa-2080	138	35	of	of	ADP
ajoaa-2080	138	36	the	the	DET
ajoaa-2080	138	37	loan	loan	NOUN
ajoaa-2080	138	38	.	.	PUNCT
ajoaa-2080	139	1	seyoum	seyoum	PROPN
ajoaa-2080	139	2	's	's	PART
ajoaa-2080	139	3	(	(	PUNCT
ajoaa-2080	139	4	2017	2017	NUM
ajoaa-2080	139	5	)	)	PUNCT
ajoaa-2080	139	6	study	study	NOUN
ajoaa-2080	139	7	of	of	ADP
ajoaa-2080	139	8	ethiopian	ethiopian	ADJ
ajoaa-2080	139	9	private	private	ADJ
ajoaa-2080	139	10	banks	bank	NOUN
ajoaa-2080	139	11	similarly	similarly	ADV
ajoaa-2080	139	12	established	establish	VERB
ajoaa-2080	139	13	that	that	SCONJ
ajoaa-2080	139	14	90	90	NUM
ajoaa-2080	139	15	%	%	NOUN
ajoaa-2080	139	16	of	of	ADP
ajoaa-2080	139	17	bank	bank	NOUN
ajoaa-2080	139	18	employees	employee	NOUN
ajoaa-2080	139	19	agreed	agree	VERB
ajoaa-2080	139	20	that	that	SCONJ
ajoaa-2080	139	21	the	the	DET
ajoaa-2080	139	22	purpose	purpose	NOUN
ajoaa-2080	139	23	of	of	ADP
ajoaa-2080	139	24	the	the	DET
ajoaa-2080	139	25	loan	loan	NOUN
ajoaa-2080	139	26	had	have	VERB
ajoaa-2080	139	27	to	to	PART
ajoaa-2080	139	28	be	be	AUX
ajoaa-2080	139	29	checked	check	VERB
ajoaa-2080	139	30	before	before	ADP
ajoaa-2080	139	31	releasing	release	VERB
ajoaa-2080	139	32	funds	fund	NOUN
ajoaa-2080	139	33	to	to	ADP
ajoaa-2080	139	34	a	a	DET
ajoaa-2080	139	35	prospective	prospective	ADJ
ajoaa-2080	139	36	borrower	borrower	NOUN
ajoaa-2080	139	37	.	.	PUNCT
ajoaa-2080	140	1	it	it	PRON
ajoaa-2080	140	2	also	also	ADV
ajoaa-2080	140	3	confirms	confirm	VERB
ajoaa-2080	140	4	the	the	DET
ajoaa-2080	140	5	applicability	applicability	NOUN
ajoaa-2080	140	6	of	of	ADP
ajoaa-2080	140	7	the	the	DET
ajoaa-2080	140	8	campari	campari	ADJ
ajoaa-2080	140	9	lending	lending	NOUN
ajoaa-2080	140	10	model	model	NOUN
ajoaa-2080	140	11	in	in	ADP
ajoaa-2080	140	12	zimbabwean	zimbabwean	ADJ
ajoaa-2080	140	13	commercial	commercial	ADJ
ajoaa-2080	140	14	banks	bank	NOUN
ajoaa-2080	140	15	.	.	PUNCT
ajoaa-2080	141	1	3.6	3.6	NUM
ajoaa-2080	141	2	.	.	PUNCT
ajoaa-2080	141	3	clear	clear	ADJ
ajoaa-2080	141	4	and	and	CCONJ
ajoaa-2080	141	5	adequate	adequate	ADJ
ajoaa-2080	141	6	repayment	repayment	NOUN
ajoaa-2080	141	7	source	source	NOUN
ajoaa-2080	141	8	a	a	DET
ajoaa-2080	141	9	clear	clear	ADJ
ajoaa-2080	141	10	and	and	CCONJ
ajoaa-2080	141	11	adequate	adequate	ADJ
ajoaa-2080	141	12	repayment	repayment	NOUN
ajoaa-2080	141	13	source	source	NOUN
ajoaa-2080	141	14	of	of	ADP
ajoaa-2080	141	15	the	the	DET
ajoaa-2080	141	16	loan	loan	NOUN
ajoaa-2080	141	17	being	be	AUX
ajoaa-2080	141	18	sought	seek	VERB
ajoaa-2080	141	19	by	by	ADP
ajoaa-2080	141	20	a	a	DET
ajoaa-2080	141	21	farmer	farmer	NOUN
ajoaa-2080	141	22	was	be	AUX
ajoaa-2080	141	23	also	also	ADV
ajoaa-2080	141	24	always	always	ADV
ajoaa-2080	141	25	considered	consider	VERB
ajoaa-2080	141	26	by	by	ADP
ajoaa-2080	141	27	all	all	DET
ajoaa-2080	141	28	the	the	DET
ajoaa-2080	141	29	commercial	commercial	ADJ
ajoaa-2080	141	30	banks	bank	NOUN
ajoaa-2080	141	31	in	in	ADP
ajoaa-2080	141	32	their	their	PRON
ajoaa-2080	141	33	agricultural	agricultural	ADJ
ajoaa-2080	141	34	credit	credit	NOUN
ajoaa-2080	141	35	evaluation	evaluation	NOUN
ajoaa-2080	141	36	processes	process	NOUN
ajoaa-2080	141	37	in	in	ADP
ajoaa-2080	141	38	this	this	DET
ajoaa-2080	141	39	study	study	NOUN
ajoaa-2080	141	40	.	.	PUNCT
ajoaa-2080	142	1	the	the	DET
ajoaa-2080	142	2	lending	lending	NOUN
ajoaa-2080	142	3	requirement	requirement	NOUN
ajoaa-2080	142	4	scored	score	VERB
ajoaa-2080	142	5	a	a	DET
ajoaa-2080	142	6	high	high	ADJ
ajoaa-2080	142	7	rii	rii	NOUN
ajoaa-2080	142	8	of	of	ADP
ajoaa-2080	142	9	1	1	NUM
ajoaa-2080	142	10	(	(	PUNCT
ajoaa-2080	142	11	table	table	NOUN
ajoaa-2080	142	12	1	1	NUM
ajoaa-2080	142	13	)	)	PUNCT
ajoaa-2080	142	14	.	.	PUNCT
ajoaa-2080	143	1	seyoum	seyoum	PROPN
ajoaa-2080	143	2	's	's	PART
ajoaa-2080	143	3	(	(	PUNCT
ajoaa-2080	143	4	2017	2017	NUM
ajoaa-2080	143	5	)	)	PUNCT
ajoaa-2080	143	6	study	study	NOUN
ajoaa-2080	143	7	mentioned	mention	VERB
ajoaa-2080	143	8	above	above	ADV
ajoaa-2080	143	9	again	again	ADV
ajoaa-2080	143	10	discovered	discover	VERB
ajoaa-2080	143	11	that	that	SCONJ
ajoaa-2080	143	12	93.3	93.3	NUM
ajoaa-2080	143	13	%	%	NOUN
ajoaa-2080	143	14	of	of	ADP
ajoaa-2080	143	15	bank	bank	NOUN
ajoaa-2080	143	16	employees	employee	NOUN
ajoaa-2080	143	17	agreed	agree	VERB
ajoaa-2080	143	18	that	that	SCONJ
ajoaa-2080	143	19	checking	check	VERB
ajoaa-2080	143	20	the	the	DET
ajoaa-2080	143	21	repayment	repayment	NOUN
ajoaa-2080	143	22	potential	potential	NOUN
ajoaa-2080	143	23	of	of	ADP
ajoaa-2080	143	24	a	a	DET
ajoaa-2080	143	25	loan	loan	NOUN
ajoaa-2080	143	26	could	could	AUX
ajoaa-2080	143	27	help	help	VERB
ajoaa-2080	143	28	the	the	DET
ajoaa-2080	143	29	bank	bank	NOUN
ajoaa-2080	143	30	to	to	PART
ajoaa-2080	143	31	recover	recover	VERB
ajoaa-2080	143	32	its	its	PRON
ajoaa-2080	143	33	loans	loan	NOUN
ajoaa-2080	143	34	successfully	successfully	ADV
ajoaa-2080	143	35	.	.	PUNCT
ajoaa-2080	144	1	it	it	PRON
ajoaa-2080	144	2	is	be	AUX
ajoaa-2080	144	3	also	also	ADV
ajoaa-2080	144	4	confirmed	confirm	VERB
ajoaa-2080	144	5	that	that	SCONJ
ajoaa-2080	144	6	the	the	DET
ajoaa-2080	144	7	lender	lender	NOUN
ajoaa-2080	144	8	is	be	AUX
ajoaa-2080	144	9	obliged	oblige	VERB
ajoaa-2080	144	10	to	to	PART
ajoaa-2080	144	11	establish	establish	VERB
ajoaa-2080	144	12	the	the	DET
ajoaa-2080	144	13	degree	degree	NOUN
ajoaa-2080	144	14	of	of	ADP
ajoaa-2080	144	15	certainty	certainty	NOUN
ajoaa-2080	144	16	that	that	SCONJ
ajoaa-2080	144	17	the	the	DET
ajoaa-2080	144	18	promised	promise	VERB
ajoaa-2080	144	19	funds	fund	NOUN
ajoaa-2080	144	20	will	will	AUX
ajoaa-2080	144	21	be	be	AUX
ajoaa-2080	144	22	received	receive	VERB
ajoaa-2080	144	23	through	through	ADP
ajoaa-2080	144	24	the	the	DET
ajoaa-2080	144	25	analysis	analysis	NOUN
ajoaa-2080	144	26	of	of	ADP
ajoaa-2080	144	27	income	income	NOUN
ajoaa-2080	144	28	and	and	CCONJ
ajoaa-2080	144	29	cash	cash	NOUN
ajoaa-2080	144	30	flow	flow	NOUN
ajoaa-2080	144	31	projections	projection	NOUN
ajoaa-2080	144	32	,	,	PUNCT
ajoaa-2080	144	33	to	to	PART
ajoaa-2080	144	34	ensure	ensure	VERB
ajoaa-2080	144	35	that	that	SCONJ
ajoaa-2080	144	36	there	there	PRON
ajoaa-2080	144	37	are	be	VERB
ajoaa-2080	144	38	surplus	surplus	ADJ
ajoaa-2080	144	39	funds	fund	NOUN
ajoaa-2080	144	40	to	to	PART
ajoaa-2080	144	41	cover	cover	VERB
ajoaa-2080	144	42	repayment	repayment	NOUN
ajoaa-2080	144	43	after	after	ADP
ajoaa-2080	144	44	meeting	meet	VERB
ajoaa-2080	144	45	other	other	ADJ
ajoaa-2080	144	46	commitments	commitment	NOUN
ajoaa-2080	144	47	(	(	PUNCT
ajoaa-2080	144	48	feschijan	feschijan	PROPN
ajoaa-2080	144	49	,	,	PUNCT
ajoaa-2080	144	50	2008	2008	NUM
ajoaa-2080	144	51	;	;	PUNCT
ajoaa-2080	144	52	seyoum	seyoum	PROPN
ajoaa-2080	144	53	,	,	PUNCT
ajoaa-2080	144	54	2017	2017	NUM
ajoaa-2080	144	55	)	)	PUNCT
ajoaa-2080	144	56	.	.	PUNCT
ajoaa-2080	145	1	feschijan	feschijan	PROPN
ajoaa-2080	145	2	's	's	PART
ajoaa-2080	145	3	(	(	PUNCT
ajoaa-2080	145	4	2008	2008	NUM
ajoaa-2080	145	5	)	)	PUNCT
ajoaa-2080	145	6	study	study	NOUN
ajoaa-2080	145	7	of	of	ADP
ajoaa-2080	145	8	bulgarian	bulgarian	ADJ
ajoaa-2080	145	9	banks	bank	NOUN
ajoaa-2080	145	10	also	also	ADV
ajoaa-2080	145	11	confirms	confirm	VERB
ajoaa-2080	145	12	that	that	SCONJ
ajoaa-2080	145	13	banks	bank	NOUN
ajoaa-2080	145	14	check	check	VERB
ajoaa-2080	145	15	if	if	SCONJ
ajoaa-2080	145	16	the	the	DET
ajoaa-2080	145	17	potential	potential	ADJ
ajoaa-2080	145	18	borrower	borrower	NOUN
ajoaa-2080	145	19	's	's	PART
ajoaa-2080	145	20	source	source	NOUN
ajoaa-2080	145	21	of	of	ADP
ajoaa-2080	145	22	repayment	repayment	NOUN
ajoaa-2080	145	23	is	be	AUX
ajoaa-2080	145	24	clear	clear	ADJ
ajoaa-2080	145	25	and	and	CCONJ
ajoaa-2080	145	26	if	if	SCONJ
ajoaa-2080	145	27	there	there	PRON
ajoaa-2080	145	28	is	be	VERB
ajoaa-2080	145	29	a	a	DET
ajoaa-2080	145	30	secondary	secondary	ADJ
ajoaa-2080	145	31	source	source	NOUN
ajoaa-2080	145	32	of	of	ADP
ajoaa-2080	145	33	repayment	repayment	NOUN
ajoaa-2080	145	34	available	available	ADJ
ajoaa-2080	145	35	in	in	ADP
ajoaa-2080	145	36	case	case	NOUN
ajoaa-2080	145	37	of	of	ADP
ajoaa-2080	145	38	failure	failure	NOUN
ajoaa-2080	145	39	.	.	PUNCT
ajoaa-2080	146	1	repayment	repayment	NOUN
ajoaa-2080	146	2	is	be	AUX
ajoaa-2080	146	3	another	another	DET
ajoaa-2080	146	4	component	component	NOUN
ajoaa-2080	146	5	that	that	PRON
ajoaa-2080	146	6	is	be	AUX
ajoaa-2080	146	7	regarded	regard	VERB
ajoaa-2080	146	8	as	as	ADP
ajoaa-2080	146	9	important	important	ADJ
ajoaa-2080	146	10	by	by	ADP
ajoaa-2080	146	11	the	the	DET
ajoaa-2080	146	12	campari	campari	ADJ
ajoaa-2080	146	13	model	model	NOUN
ajoaa-2080	146	14	,	,	PUNCT
ajoaa-2080	146	15	which	which	PRON
ajoaa-2080	146	16	further	far	ADV
ajoaa-2080	146	17	validates	validate	VERB
ajoaa-2080	146	18	its	its	PRON
ajoaa-2080	146	19	application	application	NOUN
ajoaa-2080	146	20	in	in	ADP
ajoaa-2080	146	21	local	local	ADJ
ajoaa-2080	146	22	banks	bank	NOUN
ajoaa-2080	146	23	.	.	PUNCT
ajoaa-2080	147	1	3.7	3.7	NUM
ajoaa-2080	147	2	.	.	PUNCT
ajoaa-2080	147	3	loan	loan	NOUN
ajoaa-2080	147	4	amount	amount	NOUN
ajoaa-2080	147	5	a	a	DET
ajoaa-2080	147	6	farmer	farmer	NOUN
ajoaa-2080	147	7	was	be	AUX
ajoaa-2080	147	8	also	also	ADV
ajoaa-2080	147	9	obligated	obligate	VERB
ajoaa-2080	147	10	to	to	PART
ajoaa-2080	147	11	determine	determine	VERB
ajoaa-2080	147	12	the	the	DET
ajoaa-2080	147	13	loan	loan	NOUN
ajoaa-2080	147	14	amount	amount	NOUN
ajoaa-2080	147	15	required	require	VERB
ajoaa-2080	147	16	for	for	ADP
ajoaa-2080	147	17	an	an	DET
ajoaa-2080	147	18	agricultural	agricultural	ADJ
ajoaa-2080	147	19	project	project	NOUN
ajoaa-2080	147	20	according	accord	VERB
ajoaa-2080	147	21	to	to	ADP
ajoaa-2080	147	22	the	the	DET
ajoaa-2080	147	23	study	study	NOUN
ajoaa-2080	147	24	's	's	PART
ajoaa-2080	147	25	findings	finding	NOUN
ajoaa-2080	147	26	.	.	PUNCT
ajoaa-2080	148	1	this	this	DET
ajoaa-2080	148	2	lending	lending	NOUN
ajoaa-2080	148	3	requirement	requirement	NOUN
ajoaa-2080	148	4	also	also	ADV
ajoaa-2080	148	5	scored	score	VERB
ajoaa-2080	148	6	a	a	DET
ajoaa-2080	148	7	perfect	perfect	ADJ
ajoaa-2080	148	8	rii	rii	NOUN
ajoaa-2080	148	9	of	of	ADP
ajoaa-2080	148	10	1	1	NUM
ajoaa-2080	148	11	(	(	PUNCT
ajoaa-2080	148	12	table	table	NOUN
ajoaa-2080	148	13	1	1	NUM
ajoaa-2080	148	14	)	)	PUNCT
ajoaa-2080	148	15	.	.	PUNCT
ajoaa-2080	149	1	the	the	DET
ajoaa-2080	149	2	bank	bank	NOUN
ajoaa-2080	149	3	credit	credit	NOUN
ajoaa-2080	149	4	officers	officer	NOUN
ajoaa-2080	149	5	emphasized	emphasize	VERB
ajoaa-2080	149	6	that	that	SCONJ
ajoaa-2080	149	7	the	the	DET
ajoaa-2080	149	8	loan	loan	NOUN
ajoaa-2080	149	9	amount	amount	NOUN
ajoaa-2080	149	10	had	have	VERB
ajoaa-2080	149	11	to	to	PART
ajoaa-2080	149	12	match	match	VERB
ajoaa-2080	149	13	the	the	DET
ajoaa-2080	149	14	project	project	NOUN
ajoaa-2080	149	15	financing	financing	NOUN
ajoaa-2080	149	16	needs	need	NOUN
ajoaa-2080	149	17	of	of	ADP
ajoaa-2080	149	18	the	the	DET
ajoaa-2080	149	19	farming	farming	NOUN
ajoaa-2080	149	20	enterprise	enterprise	NOUN
ajoaa-2080	149	21	,	,	PUNCT
ajoaa-2080	149	22	and	and	CCONJ
ajoaa-2080	149	23	also	also	ADV
ajoaa-2080	149	24	fall	fall	VERB
ajoaa-2080	149	25	within	within	ADP
ajoaa-2080	149	26	the	the	DET
ajoaa-2080	149	27	farmer	farmer	NOUN
ajoaa-2080	149	28	's	's	PART
ajoaa-2080	149	29	qualifying	qualify	VERB
ajoaa-2080	149	30	loan	loan	NOUN
ajoaa-2080	149	31	amount	amount	NOUN
ajoaa-2080	149	32	limit	limit	NOUN
ajoaa-2080	149	33	.	.	PUNCT
ajoaa-2080	150	1	seyoum	seyoum	NOUN
ajoaa-2080	150	2	(	(	PUNCT
ajoaa-2080	150	3	2017	2017	NUM
ajoaa-2080	150	4	)	)	PUNCT
ajoaa-2080	150	5	confirms	confirm	VERB
ajoaa-2080	150	6	that	that	SCONJ
ajoaa-2080	150	7	a	a	DET
ajoaa-2080	150	8	bank	bank	NOUN
ajoaa-2080	150	9	considers	consider	VERB
ajoaa-2080	150	10	whether	whether	SCONJ
ajoaa-2080	150	11	the	the	DET
ajoaa-2080	150	12	customer	customer	NOUN
ajoaa-2080	150	13	is	be	AUX
ajoaa-2080	150	14	asking	ask	VERB
ajoaa-2080	150	15	too	too	ADV
ajoaa-2080	150	16	much	much	ADJ
ajoaa-2080	150	17	or	or	CCONJ
ajoaa-2080	150	18	too	too	ADV
ajoaa-2080	150	19	little	little	ADJ
ajoaa-2080	150	20	because	because	SCONJ
ajoaa-2080	150	21	there	there	PRON
ajoaa-2080	150	22	are	be	VERB
ajoaa-2080	150	23	dangers	danger	NOUN
ajoaa-2080	150	24	in	in	ADP
ajoaa-2080	150	25	both	both	PRON
ajoaa-2080	150	26	,	,	PUNCT
ajoaa-2080	150	27	which	which	PRON
ajoaa-2080	150	28	calls	call	VERB
ajoaa-2080	150	29	for	for	SCONJ
ajoaa-2080	150	30	banks	bank	NOUN
ajoaa-2080	150	31	to	to	PART
ajoaa-2080	150	32	establish	establish	VERB
ajoaa-2080	150	33	if	if	SCONJ
ajoaa-2080	150	34	the	the	DET
ajoaa-2080	150	35	amount	amount	NOUN
ajoaa-2080	150	36	requested	request	VERB
ajoaa-2080	150	37	is	be	AUX
ajoaa-2080	150	38	correct	correct	ADJ
ajoaa-2080	150	39	,	,	PUNCT
ajoaa-2080	150	40	adequately	adequately	ADV
ajoaa-2080	150	41	accommodating	accommodate	VERB
ajoaa-2080	150	42	incidental	incidental	ADJ
ajoaa-2080	150	43	expenses	expense	NOUN
ajoaa-2080	150	44	and	and	CCONJ
ajoaa-2080	150	45	other	other	ADJ
ajoaa-2080	150	46	contingencies	contingency	NOUN
ajoaa-2080	150	47	.	.	PUNCT
ajoaa-2080	151	1	in	in	ADP
ajoaa-2080	151	2	support	support	NOUN
ajoaa-2080	151	3	of	of	ADP
ajoaa-2080	151	4	these	these	DET
ajoaa-2080	151	5	findings	finding	NOUN
ajoaa-2080	151	6	,	,	PUNCT
ajoaa-2080	151	7	feschijan	feschijan	NOUN
ajoaa-2080	151	8	(	(	PUNCT
ajoaa-2080	151	9	2008	2008	NUM
ajoaa-2080	151	10	)	)	PUNCT
ajoaa-2080	151	11	also	also	ADV
ajoaa-2080	151	12	avers	aver	VERB
ajoaa-2080	151	13	that	that	SCONJ
ajoaa-2080	151	14	credit	credit	NOUN
ajoaa-2080	151	15	insufficiency	insufficiency	NOUN
ajoaa-2080	151	16	or	or	CCONJ
ajoaa-2080	151	17	excess	excess	ADJ
ajoaa-2080	151	18	leads	lead	NOUN
ajoaa-2080	151	19	to	to	ADP
ajoaa-2080	151	20	the	the	DET
ajoaa-2080	151	21	lowering	lowering	NOUN
ajoaa-2080	151	22	of	of	ADP
ajoaa-2080	151	23	profitability	profitability	NOUN
ajoaa-2080	151	24	of	of	ADP
ajoaa-2080	151	25	the	the	DET
ajoaa-2080	151	26	credited	credit	VERB
ajoaa-2080	151	27	undertaking	undertaking	NOUN
ajoaa-2080	151	28	,	,	PUNCT
ajoaa-2080	151	29	and	and	CCONJ
ajoaa-2080	151	30	may	may	AUX
ajoaa-2080	151	31	have	have	VERB
ajoaa-2080	151	32	several	several	ADJ
ajoaa-2080	151	33	unfavorable	unfavorable	ADJ
ajoaa-2080	151	34	effects	effect	NOUN
ajoaa-2080	151	35	on	on	ADP
ajoaa-2080	151	36	the	the	DET
ajoaa-2080	151	37	financial	financial	ADJ
ajoaa-2080	151	38	situation	situation	NOUN
ajoaa-2080	151	39	of	of	ADP
ajoaa-2080	151	40	the	the	DET
ajoaa-2080	151	41	borrower	borrower	NOUN
ajoaa-2080	151	42	and	and	CCONJ
ajoaa-2080	151	43	his/	his/	VERB
ajoaa-2080	151	44	her	her	PRON
ajoaa-2080	151	45	capacity	capacity	NOUN
ajoaa-2080	151	46	to	to	PART
ajoaa-2080	151	47	service	service	VERB
ajoaa-2080	151	48	the	the	DET
ajoaa-2080	151	49	debt	debt	NOUN
ajoaa-2080	151	50	by	by	ADP
ajoaa-2080	151	51	the	the	DET
ajoaa-2080	151	52	negotiated	negotiate	VERB
ajoaa-2080	151	53	terms	term	NOUN
ajoaa-2080	151	54	.	.	PUNCT
ajoaa-2080	152	1	therefore	therefore	ADV
ajoaa-2080	152	2	,	,	PUNCT
ajoaa-2080	152	3	the	the	DET
ajoaa-2080	152	4	accumulation	accumulation	NOUN
ajoaa-2080	152	5	of	of	ADP
ajoaa-2080	152	6	information	information	NOUN
ajoaa-2080	152	7	on	on	ADP
ajoaa-2080	152	8	the	the	DET
ajoaa-2080	152	9	amount	amount	NOUN
ajoaa-2080	152	10	and	and	CCONJ
ajoaa-2080	152	11	aim	aim	NOUN
ajoaa-2080	152	12	of	of	ADP
ajoaa-2080	152	13	the	the	DET
ajoaa-2080	152	14	requested	request	VERB
ajoaa-2080	152	15	loan	loan	NOUN
ajoaa-2080	152	16	by	by	ADP
ajoaa-2080	152	17	banks	bank	NOUN
ajoaa-2080	152	18	plays	play	VERB
ajoaa-2080	152	19	an	an	DET
ajoaa-2080	152	20	important	important	ADJ
ajoaa-2080	152	21	role	role	NOUN
ajoaa-2080	152	22	in	in	ADP
ajoaa-2080	152	23	monitoring	monitor	VERB
ajoaa-2080	152	24	if	if	SCONJ
ajoaa-2080	152	25	the	the	DET
ajoaa-2080	152	26	amount	amount	NOUN
ajoaa-2080	152	27	corresponds	correspond	VERB
ajoaa-2080	152	28	to	to	ADP
ajoaa-2080	152	29	the	the	DET
ajoaa-2080	152	30	real	real	ADJ
ajoaa-2080	152	31	financial	financial	ADJ
ajoaa-2080	152	32	needs	need	NOUN
ajoaa-2080	152	33	of	of	ADP
ajoaa-2080	152	34	the	the	DET
ajoaa-2080	152	35	asian	asian	ADJ
ajoaa-2080	152	36	journal	journal	NOUN
ajoaa-2080	152	37	of	of	ADP
ajoaa-2080	152	38	agriculture	agriculture	NOUN
ajoaa-2080	152	39	and	and	CCONJ
ajoaa-2080	152	40	rural	rural	ADJ
ajoaa-2080	152	41	development	development	NOUN
ajoaa-2080	152	42	,	,	PUNCT
ajoaa-2080	152	43	10(2)2020	10(2)2020	NUM
ajoaa-2080	152	44	:	:	PUNCT
ajoaa-2080	152	45	628	628	NUM
ajoaa-2080	152	46	-	-	SYM
ajoaa-2080	152	47	644	644	NUM
ajoaa-2080	152	48	635	635	NUM
ajoaa-2080	152	49	loan	loan	NOUN
ajoaa-2080	152	50	applicant	applicant	NOUN
ajoaa-2080	152	51	(	(	PUNCT
ajoaa-2080	152	52	feschijan	feschijan	PROPN
ajoaa-2080	152	53	,	,	PUNCT
ajoaa-2080	152	54	2008	2008	NUM
ajoaa-2080	152	55	)	)	PUNCT
ajoaa-2080	152	56	.	.	PUNCT
ajoaa-2080	153	1	these	these	DET
ajoaa-2080	153	2	findings	finding	NOUN
ajoaa-2080	153	3	also	also	ADV
ajoaa-2080	153	4	confirm	confirm	VERB
ajoaa-2080	153	5	that	that	SCONJ
ajoaa-2080	153	6	all	all	DET
ajoaa-2080	153	7	commercial	commercial	ADJ
ajoaa-2080	153	8	banks	bank	NOUN
ajoaa-2080	153	9	apply	apply	VERB
ajoaa-2080	153	10	the	the	DET
ajoaa-2080	153	11	amount	amount	NOUN
ajoaa-2080	153	12	component	component	NOUN
ajoaa-2080	153	13	of	of	ADP
ajoaa-2080	153	14	the	the	DET
ajoaa-2080	153	15	campari	campari	ADJ
ajoaa-2080	153	16	model	model	NOUN
ajoaa-2080	153	17	in	in	ADP
ajoaa-2080	153	18	zimbabwe	zimbabwe	PROPN
ajoaa-2080	153	19	.	.	PUNCT
ajoaa-2080	154	1	3.8	3.8	NUM
ajoaa-2080	154	2	.	.	PUNCT
ajoaa-2080	155	1	agricultural	agricultural	ADJ
ajoaa-2080	155	2	production	production	NOUN
ajoaa-2080	155	3	qualifications	qualification	NOUN
ajoaa-2080	155	4	,	,	PUNCT
ajoaa-2080	155	5	skills	skill	NOUN
ajoaa-2080	155	6	and	and	CCONJ
ajoaa-2080	155	7	experience	experience	VERB
ajoaa-2080	155	8	the	the	DET
ajoaa-2080	155	9	requirement	requirement	NOUN
ajoaa-2080	155	10	for	for	ADP
ajoaa-2080	155	11	agricultural	agricultural	ADJ
ajoaa-2080	155	12	production	production	NOUN
ajoaa-2080	155	13	qualifications	qualification	NOUN
ajoaa-2080	155	14	,	,	PUNCT
ajoaa-2080	155	15	skills	skill	NOUN
ajoaa-2080	155	16	and	and	CCONJ
ajoaa-2080	155	17	experience	experience	NOUN
ajoaa-2080	155	18	scored	score	VERB
ajoaa-2080	155	19	a	a	DET
ajoaa-2080	155	20	high	high	ADJ
ajoaa-2080	155	21	rii	rii	NOUN
ajoaa-2080	155	22	of	of	ADP
ajoaa-2080	155	23	0.96	0.96	NUM
ajoaa-2080	155	24	(	(	PUNCT
ajoaa-2080	155	25	table	table	NOUN
ajoaa-2080	155	26	1	1	NUM
ajoaa-2080	155	27	)	)	PUNCT
ajoaa-2080	155	28	.	.	PUNCT
ajoaa-2080	156	1	a	a	DET
ajoaa-2080	156	2	total	total	NOUN
ajoaa-2080	156	3	of	of	ADP
ajoaa-2080	156	4	7	7	NUM
ajoaa-2080	156	5	out	out	ADP
ajoaa-2080	156	6	of	of	ADP
ajoaa-2080	156	7	the	the	DET
ajoaa-2080	156	8	eight	eight	NUM
ajoaa-2080	156	9	banks	bank	NOUN
ajoaa-2080	156	10	that	that	PRON
ajoaa-2080	156	11	participated	participate	VERB
ajoaa-2080	156	12	in	in	ADP
ajoaa-2080	156	13	the	the	DET
ajoaa-2080	156	14	study	study	NOUN
ajoaa-2080	156	15	always	always	ADV
ajoaa-2080	156	16	considered	consider	VERB
ajoaa-2080	156	17	this	this	DET
ajoaa-2080	156	18	requirement	requirement	NOUN
ajoaa-2080	156	19	in	in	ADP
ajoaa-2080	156	20	assessing	assess	VERB
ajoaa-2080	156	21	agricultural	agricultural	ADJ
ajoaa-2080	156	22	production	production	NOUN
ajoaa-2080	156	23	loan	loan	NOUN
ajoaa-2080	156	24	applications	application	NOUN
ajoaa-2080	156	25	by	by	ADP
ajoaa-2080	156	26	farmers	farmer	NOUN
ajoaa-2080	156	27	,	,	PUNCT
ajoaa-2080	156	28	while	while	SCONJ
ajoaa-2080	156	29	only	only	ADV
ajoaa-2080	156	30	one	one	NUM
ajoaa-2080	156	31	bank	bank	NOUN
ajoaa-2080	156	32	sometimes	sometimes	ADV
ajoaa-2080	156	33	considered	consider	VERB
ajoaa-2080	156	34	it	it	PRON
ajoaa-2080	156	35	.	.	PUNCT
ajoaa-2080	157	1	figure	figure	NOUN
ajoaa-2080	157	2	2	2	NUM
ajoaa-2080	157	3	below	below	ADV
ajoaa-2080	157	4	shows	show	VERB
ajoaa-2080	157	5	what	what	PRON
ajoaa-2080	157	6	the	the	DET
ajoaa-2080	157	7	banks	bank	NOUN
ajoaa-2080	157	8	said	say	VERB
ajoaa-2080	157	9	regarding	regard	VERB
ajoaa-2080	157	10	the	the	DET
ajoaa-2080	157	11	requirement	requirement	NOUN
ajoaa-2080	157	12	for	for	ADP
ajoaa-2080	157	13	agricultural	agricultural	ADJ
ajoaa-2080	157	14	production	production	NOUN
ajoaa-2080	157	15	skills	skill	NOUN
ajoaa-2080	157	16	within	within	ADP
ajoaa-2080	157	17	a	a	DET
ajoaa-2080	157	18	farming	farming	NOUN
ajoaa-2080	157	19	enterprise	enterprise	NOUN
ajoaa-2080	157	20	.	.	PUNCT
ajoaa-2080	158	1	figure	figure	NOUN
ajoaa-2080	158	2	2	2	NUM
ajoaa-2080	158	3	:	:	PUNCT
ajoaa-2080	158	4	word	word	NOUN
ajoaa-2080	158	5	tree	tree	NOUN
ajoaa-2080	158	6	output	output	NOUN
ajoaa-2080	158	7	for	for	ADP
ajoaa-2080	158	8	the	the	DET
ajoaa-2080	158	9	word	word	NOUN
ajoaa-2080	158	10	"	"	PUNCT
ajoaa-2080	158	11	skills	skill	NOUN
ajoaa-2080	158	12	"	"	PUNCT
ajoaa-2080	158	13	source	source	NOUN
ajoaa-2080	158	14	:	:	PUNCT
ajoaa-2080	158	15	primary	primary	ADJ
ajoaa-2080	158	16	data	datum	NOUN
ajoaa-2080	158	17	,	,	PUNCT
ajoaa-2080	158	18	2019	2019	NUM
ajoaa-2080	158	19	cb3	cb3	NOUN
ajoaa-2080	158	20	expounded	expound	VERB
ajoaa-2080	158	21	that	that	SCONJ
ajoaa-2080	158	22	the	the	DET
ajoaa-2080	158	23	farmers	farmer	NOUN
ajoaa-2080	158	24	or	or	CCONJ
ajoaa-2080	158	25	their	their	PRON
ajoaa-2080	158	26	management	management	NOUN
ajoaa-2080	158	27	team	team	NOUN
ajoaa-2080	158	28	were	be	AUX
ajoaa-2080	158	29	supposed	suppose	VERB
ajoaa-2080	158	30	to	to	PART
ajoaa-2080	158	31	have	have	VERB
ajoaa-2080	158	32	skills	skill	NOUN
ajoaa-2080	158	33	,	,	PUNCT
ajoaa-2080	158	34	qualifications	qualification	NOUN
ajoaa-2080	158	35	and	and	CCONJ
ajoaa-2080	158	36	experience	experience	NOUN
ajoaa-2080	158	37	in	in	ADP
ajoaa-2080	158	38	agricultural	agricultural	ADJ
ajoaa-2080	158	39	production	production	NOUN
ajoaa-2080	158	40	to	to	PART
ajoaa-2080	158	41	be	be	AUX
ajoaa-2080	158	42	able	able	ADJ
ajoaa-2080	158	43	to	to	PART
ajoaa-2080	158	44	qualify	qualify	VERB
ajoaa-2080	158	45	for	for	ADP
ajoaa-2080	158	46	agricultural	agricultural	ADJ
ajoaa-2080	158	47	production	production	NOUN
ajoaa-2080	158	48	loans	loan	NOUN
ajoaa-2080	158	49	.	.	PUNCT
ajoaa-2080	159	1	tetteh	tetteh	NOUN
ajoaa-2080	159	2	(	(	PUNCT
ajoaa-2080	159	3	2011	2011	NUM
ajoaa-2080	159	4	)	)	PUNCT
ajoaa-2080	159	5	confirms	confirm	VERB
ajoaa-2080	159	6	that	that	SCONJ
ajoaa-2080	159	7	the	the	DET
ajoaa-2080	159	8	background	background	NOUN
ajoaa-2080	159	9	and	and	CCONJ
ajoaa-2080	159	10	experience	experience	NOUN
ajoaa-2080	159	11	of	of	ADP
ajoaa-2080	159	12	individuals	individual	NOUN
ajoaa-2080	159	13	or	or	CCONJ
ajoaa-2080	159	14	businesses	business	NOUN
ajoaa-2080	159	15	are	be	AUX
ajoaa-2080	159	16	perceived	perceive	VERB
ajoaa-2080	159	17	indicators	indicator	NOUN
ajoaa-2080	159	18	of	of	ADP
ajoaa-2080	159	19	the	the	DET
ajoaa-2080	159	20	potential	potential	NOUN
ajoaa-2080	159	21	for	for	ADP
ajoaa-2080	159	22	success	success	NOUN
ajoaa-2080	159	23	,	,	PUNCT
ajoaa-2080	159	24	hence	hence	ADV
ajoaa-2080	159	25	their	their	PRON
ajoaa-2080	159	26	inclusion	inclusion	NOUN
ajoaa-2080	159	27	as	as	ADP
ajoaa-2080	159	28	an	an	DET
ajoaa-2080	159	29	important	important	ADJ
ajoaa-2080	159	30	lending	lending	NOUN
ajoaa-2080	159	31	requirement	requirement	NOUN
ajoaa-2080	159	32	.	.	PUNCT
ajoaa-2080	160	1	according	accord	VERB
ajoaa-2080	160	2	to	to	ADP
ajoaa-2080	160	3	seyoum	seyoum	PROPN
ajoaa-2080	160	4	(	(	PUNCT
ajoaa-2080	160	5	2017	2017	NUM
ajoaa-2080	160	6	)	)	PUNCT
ajoaa-2080	160	7	,	,	PUNCT
ajoaa-2080	160	8	the	the	DET
ajoaa-2080	160	9	spread	spread	NOUN
ajoaa-2080	160	10	of	of	ADP
ajoaa-2080	160	11	skill	skill	NOUN
ajoaa-2080	160	12	and	and	CCONJ
ajoaa-2080	160	13	experience	experience	NOUN
ajoaa-2080	160	14	in	in	ADP
ajoaa-2080	160	15	the	the	DET
ajoaa-2080	160	16	area	area	NOUN
ajoaa-2080	160	17	where	where	SCONJ
ajoaa-2080	160	18	funding	funding	NOUN
ajoaa-2080	160	19	is	be	AUX
ajoaa-2080	160	20	sought	seek	VERB
ajoaa-2080	160	21	among	among	ADP
ajoaa-2080	160	22	the	the	DET
ajoaa-2080	160	23	management	management	NOUN
ajoaa-2080	160	24	team	team	NOUN
ajoaa-2080	160	25	is	be	AUX
ajoaa-2080	160	26	also	also	ADV
ajoaa-2080	160	27	considered	consider	VERB
ajoaa-2080	160	28	in	in	ADP
ajoaa-2080	160	29	ascertaining	ascertain	VERB
ajoaa-2080	160	30	borrower	borrower	NOUN
ajoaa-2080	160	31	ability	ability	NOUN
ajoaa-2080	160	32	,	,	PUNCT
ajoaa-2080	160	33	as	as	ADV
ajoaa-2080	160	34	well	well	ADV
ajoaa-2080	160	35	as	as	ADP
ajoaa-2080	160	36	their	their	PRON
ajoaa-2080	160	37	relevant	relevant	ADJ
ajoaa-2080	160	38	professional	professional	ADJ
ajoaa-2080	160	39	qualifications	qualification	NOUN
ajoaa-2080	160	40	and	and	CCONJ
ajoaa-2080	160	41	their	their	PRON
ajoaa-2080	160	42	commitment	commitment	NOUN
ajoaa-2080	160	43	to	to	ADP
ajoaa-2080	160	44	making	make	VERB
ajoaa-2080	160	45	the	the	DET
ajoaa-2080	160	46	company	company	NOUN
ajoaa-2080	160	47	successful	successful	ADJ
ajoaa-2080	160	48	.	.	PUNCT
ajoaa-2080	161	1	a	a	DET
ajoaa-2080	161	2	study	study	NOUN
ajoaa-2080	161	3	by	by	ADP
ajoaa-2080	161	4	odu	odu	PROPN
ajoaa-2080	161	5	et	et	PROPN
ajoaa-2080	161	6	al	al	PROPN
ajoaa-2080	161	7	.	.	PROPN
ajoaa-2080	161	8	(	(	PUNCT
ajoaa-2080	161	9	2010	2010	NUM
ajoaa-2080	161	10	)	)	PUNCT
ajoaa-2080	161	11	in	in	ADP
ajoaa-2080	161	12	the	the	DET
ajoaa-2080	161	13	niger	niger	NOUN
ajoaa-2080	161	14	state	state	NOUN
ajoaa-2080	161	15	of	of	ADP
ajoaa-2080	161	16	nigeria	nigeria	PROPN
ajoaa-2080	161	17	also	also	ADV
ajoaa-2080	161	18	discovered	discover	VERB
ajoaa-2080	161	19	that	that	SCONJ
ajoaa-2080	161	20	farmer	farmer	NOUN
ajoaa-2080	161	21	experience	experience	NOUN
ajoaa-2080	161	22	was	be	AUX
ajoaa-2080	161	23	advantageous	advantageous	ADJ
ajoaa-2080	161	24	in	in	ADP
ajoaa-2080	161	25	the	the	DET
ajoaa-2080	161	26	securing	securing	NOUN
ajoaa-2080	161	27	of	of	ADP
ajoaa-2080	161	28	formal	formal	ADJ
ajoaa-2080	161	29	credit	credit	NOUN
ajoaa-2080	161	30	facilities	facility	NOUN
ajoaa-2080	161	31	because	because	SCONJ
ajoaa-2080	161	32	it	it	PRON
ajoaa-2080	161	33	acted	act	VERB
ajoaa-2080	161	34	as	as	ADP
ajoaa-2080	161	35	a	a	DET
ajoaa-2080	161	36	guarantee	guarantee	NOUN
ajoaa-2080	161	37	that	that	SCONJ
ajoaa-2080	161	38	the	the	DET
ajoaa-2080	161	39	project	project	NOUN
ajoaa-2080	161	40	would	would	AUX
ajoaa-2080	161	41	succeed	succeed	VERB
ajoaa-2080	161	42	.	.	PUNCT
ajoaa-2080	162	1	the	the	DET
ajoaa-2080	162	2	emphasis	emphasis	NOUN
ajoaa-2080	162	3	on	on	ADP
ajoaa-2080	162	4	farm	farm	NOUN
ajoaa-2080	162	5	viability	viability	NOUN
ajoaa-2080	162	6	based	base	VERB
ajoaa-2080	162	7	on	on	ADP
ajoaa-2080	162	8	the	the	DET
ajoaa-2080	162	9	production	production	NOUN
ajoaa-2080	162	10	skills	skill	NOUN
ajoaa-2080	162	11	of	of	ADP
ajoaa-2080	162	12	the	the	DET
ajoaa-2080	162	13	management	management	NOUN
ajoaa-2080	162	14	in	in	ADP
ajoaa-2080	162	15	the	the	DET
ajoaa-2080	162	16	majority	majority	NOUN
ajoaa-2080	162	17	of	of	ADP
ajoaa-2080	162	18	the	the	DET
ajoaa-2080	162	19	commercial	commercial	ADJ
ajoaa-2080	162	20	banks	bank	NOUN
ajoaa-2080	162	21	also	also	ADV
ajoaa-2080	162	22	validates	validate	VERB
ajoaa-2080	162	23	the	the	DET
ajoaa-2080	162	24	applicability	applicability	NOUN
ajoaa-2080	162	25	of	of	ADP
ajoaa-2080	162	26	the	the	DET
ajoaa-2080	162	27	campari	campari	ADJ
ajoaa-2080	162	28	model	model	NOUN
ajoaa-2080	162	29	in	in	ADP
ajoaa-2080	162	30	zimbabwean	zimbabwean	ADJ
ajoaa-2080	162	31	commercial	commercial	ADJ
ajoaa-2080	162	32	banks	bank	NOUN
ajoaa-2080	162	33	.	.	PUNCT
ajoaa-2080	163	1	3.9	3.9	NUM
ajoaa-2080	163	2	.	.	PUNCT
ajoaa-2080	163	3	insurance	insurance	VERB
ajoaa-2080	163	4	the	the	DET
ajoaa-2080	163	5	need	need	NOUN
ajoaa-2080	163	6	for	for	ADP
ajoaa-2080	163	7	agricultural	agricultural	ADJ
ajoaa-2080	163	8	project	project	NOUN
ajoaa-2080	163	9	insurance	insurance	NOUN
ajoaa-2080	163	10	also	also	ADV
ajoaa-2080	163	11	scored	score	VERB
ajoaa-2080	163	12	a	a	DET
ajoaa-2080	163	13	high	high	ADJ
ajoaa-2080	163	14	rii	rii	NOUN
ajoaa-2080	163	15	of	of	ADP
ajoaa-2080	163	16	0.96	0.96	NUM
ajoaa-2080	163	17	(	(	PUNCT
ajoaa-2080	163	18	table	table	NOUN
ajoaa-2080	163	19	1	1	NUM
ajoaa-2080	163	20	)	)	PUNCT
ajoaa-2080	163	21	.	.	PUNCT
ajoaa-2080	164	1	according	accord	VERB
ajoaa-2080	164	2	to	to	ADP
ajoaa-2080	164	3	the	the	DET
ajoaa-2080	164	4	bank	bank	NOUN
ajoaa-2080	164	5	credit	credit	NOUN
ajoaa-2080	164	6	officers	officer	NOUN
ajoaa-2080	164	7	,	,	PUNCT
ajoaa-2080	164	8	insurance	insurance	NOUN
ajoaa-2080	164	9	acted	act	VERB
ajoaa-2080	164	10	as	as	ADP
ajoaa-2080	164	11	a	a	DET
ajoaa-2080	164	12	cushion	cushion	NOUN
ajoaa-2080	164	13	to	to	ADP
ajoaa-2080	164	14	the	the	DET
ajoaa-2080	164	15	bank	bank	NOUN
ajoaa-2080	164	16	,	,	PUNCT
ajoaa-2080	164	17	which	which	PRON
ajoaa-2080	164	18	safeguarded	safeguard	VERB
ajoaa-2080	164	19	it	it	PRON
ajoaa-2080	164	20	from	from	ADP
ajoaa-2080	164	21	loss	loss	NOUN
ajoaa-2080	164	22	in	in	ADP
ajoaa-2080	164	23	case	case	NOUN
ajoaa-2080	164	24	of	of	ADP
ajoaa-2080	164	25	unforeseen	unforeseen	ADJ
ajoaa-2080	164	26	events	event	NOUN
ajoaa-2080	164	27	like	like	ADP
ajoaa-2080	164	28	theft	theft	NOUN
ajoaa-2080	164	29	and	and	CCONJ
ajoaa-2080	164	30	market	market	NOUN
ajoaa-2080	164	31	price	price	NOUN
ajoaa-2080	164	32	fluctuations	fluctuation	NOUN
ajoaa-2080	164	33	,	,	PUNCT
ajoaa-2080	164	34	as	as	ADV
ajoaa-2080	164	35	well	well	ADV
ajoaa-2080	164	36	as	as	ADP
ajoaa-2080	164	37	natural	natural	ADJ
ajoaa-2080	164	38	disasters	disaster	NOUN
ajoaa-2080	164	39	like	like	ADP
ajoaa-2080	164	40	droughts	drought	NOUN
ajoaa-2080	164	41	,	,	PUNCT
ajoaa-2080	164	42	floods	flood	NOUN
ajoaa-2080	164	43	and	and	CCONJ
ajoaa-2080	164	44	hailstorms	hailstorm	NOUN
ajoaa-2080	164	45	.	.	PUNCT
ajoaa-2080	165	1	all	all	PRON
ajoaa-2080	165	2	of	of	ADP
ajoaa-2080	165	3	the	the	DET
ajoaa-2080	165	4	banks	bank	NOUN
ajoaa-2080	165	5	indicated	indicate	VERB
ajoaa-2080	165	6	that	that	SCONJ
ajoaa-2080	165	7	insured	insure	VERB
ajoaa-2080	165	8	agricultural	agricultural	ADJ
ajoaa-2080	165	9	projects	project	NOUN
ajoaa-2080	165	10	were	be	AUX
ajoaa-2080	165	11	a	a	DET
ajoaa-2080	165	12	must	must	NOUN
ajoaa-2080	165	13	for	for	SCONJ
ajoaa-2080	165	14	a	a	DET
ajoaa-2080	165	15	farmer	farmer	NOUN
ajoaa-2080	165	16	to	to	PART
ajoaa-2080	165	17	receive	receive	VERB
ajoaa-2080	165	18	financing	financing	NOUN
ajoaa-2080	165	19	in	in	ADP
ajoaa-2080	165	20	zimbabwe	zimbabwe	PROPN
ajoaa-2080	165	21	.	.	PUNCT
ajoaa-2080	166	1	these	these	DET
ajoaa-2080	166	2	results	result	NOUN
ajoaa-2080	166	3	coincide	coincide	VERB
ajoaa-2080	166	4	with	with	ADP
ajoaa-2080	166	5	claims	claim	NOUN
ajoaa-2080	166	6	by	by	ADP
ajoaa-2080	166	7	tsikirayi	tsikirayi	NOUN
ajoaa-2080	166	8	et	et	NOUN
ajoaa-2080	166	9	al	al	PROPN
ajoaa-2080	166	10	.	.	PROPN
ajoaa-2080	167	1	(	(	PUNCT
ajoaa-2080	167	2	2013	2013	NUM
ajoaa-2080	167	3	)	)	PUNCT
ajoaa-2080	167	4	.	.	PUNCT
ajoaa-2080	168	1	they	they	PRON
ajoaa-2080	168	2	aver	aver	VERB
ajoaa-2080	168	3	that	that	SCONJ
ajoaa-2080	168	4	after	after	ADP
ajoaa-2080	168	5	the	the	DET
ajoaa-2080	168	6	ftlrp	ftlrp	PROPN
ajoaa-2080	168	7	,	,	PUNCT
ajoaa-2080	168	8	there	there	PRON
ajoaa-2080	168	9	was	be	VERB
ajoaa-2080	168	10	a	a	DET
ajoaa-2080	168	11	decline	decline	NOUN
ajoaa-2080	168	12	in	in	ADP
ajoaa-2080	168	13	farming	farming	NOUN
ajoaa-2080	168	14	knowledge	knowledge	NOUN
ajoaa-2080	168	15	,	,	PUNCT
ajoaa-2080	168	16	insurance	insurance	NOUN
ajoaa-2080	168	17	,	,	PUNCT
ajoaa-2080	168	18	management	management	NOUN
ajoaa-2080	168	19	skills	skill	NOUN
ajoaa-2080	168	20	,	,	PUNCT
ajoaa-2080	168	21	experience	experience	NOUN
ajoaa-2080	168	22	,	,	PUNCT
ajoaa-2080	168	23	capacity	capacity	NOUN
ajoaa-2080	168	24	and	and	CCONJ
ajoaa-2080	168	25	property	property	NOUN
ajoaa-2080	168	26	ownership	ownership	NOUN
ajoaa-2080	168	27	among	among	ADP
ajoaa-2080	168	28	the	the	DET
ajoaa-2080	168	29	new	new	ADJ
ajoaa-2080	168	30	breed	breed	NOUN
ajoaa-2080	168	31	of	of	ADP
ajoaa-2080	168	32	farmers	farmer	NOUN
ajoaa-2080	168	33	compared	compare	VERB
ajoaa-2080	168	34	to	to	ADP
ajoaa-2080	168	35	the	the	DET
ajoaa-2080	168	36	previous	previous	ADJ
ajoaa-2080	168	37	owners	owner	NOUN
ajoaa-2080	168	38	,	,	PUNCT
ajoaa-2080	168	39	which	which	PRON
ajoaa-2080	168	40	resulted	result	VERB
ajoaa-2080	168	41	in	in	ADP
ajoaa-2080	168	42	elevated	elevated	ADJ
ajoaa-2080	168	43	risk	risk	NOUN
ajoaa-2080	168	44	levels	level	NOUN
ajoaa-2080	168	45	in	in	ADP
ajoaa-2080	168	46	the	the	DET
ajoaa-2080	168	47	agricultural	agricultural	ADJ
ajoaa-2080	168	48	sector	sector	NOUN
ajoaa-2080	168	49	.	.	PUNCT
ajoaa-2080	169	1	this	this	PRON
ajoaa-2080	169	2	may	may	AUX
ajoaa-2080	169	3	serve	serve	VERB
ajoaa-2080	169	4	to	to	PART
ajoaa-2080	169	5	explain	explain	VERB
ajoaa-2080	169	6	why	why	SCONJ
ajoaa-2080	169	7	most	most	ADJ
ajoaa-2080	169	8	banks	bank	NOUN
ajoaa-2080	169	9	are	be	AUX
ajoaa-2080	169	10	strict	strict	ADJ
ajoaa-2080	169	11	on	on	ADP
ajoaa-2080	169	12	the	the	DET
ajoaa-2080	169	13	financing	financing	NOUN
ajoaa-2080	169	14	of	of	ADP
ajoaa-2080	169	15	insured	insure	VERB
ajoaa-2080	169	16	agricultural	agricultural	ADJ
ajoaa-2080	169	17	projects	project	NOUN
ajoaa-2080	169	18	only	only	ADV
ajoaa-2080	169	19	.	.	PUNCT
ajoaa-2080	170	1	mishra	mishra	PROPN
ajoaa-2080	170	2	et	et	PROPN
ajoaa-2080	170	3	al	al	PROPN
ajoaa-2080	170	4	.	.	PROPN
ajoaa-2080	171	1	(	(	PUNCT
ajoaa-2080	171	2	2017	2017	NUM
ajoaa-2080	171	3	)	)	PUNCT
ajoaa-2080	171	4	in	in	ADP
ajoaa-2080	171	5	ghana	ghana	PROPN
ajoaa-2080	171	6	also	also	ADV
ajoaa-2080	171	7	confirm	confirm	VERB
ajoaa-2080	171	8	that	that	SCONJ
ajoaa-2080	171	9	agricultural	agricultural	ADJ
ajoaa-2080	171	10	insurance	insurance	NOUN
ajoaa-2080	171	11	guarantees	guarantee	VERB
ajoaa-2080	171	12	full	full	ADJ
ajoaa-2080	171	13	loan	loan	NOUN
ajoaa-2080	171	14	repayment	repayment	NOUN
ajoaa-2080	171	15	during	during	ADP
ajoaa-2080	171	16	drought	drought	NOUN
ajoaa-2080	171	17	spells	spell	NOUN
ajoaa-2080	171	18	,	,	PUNCT
ajoaa-2080	171	19	allowing	allow	VERB
ajoaa-2080	171	20	lenders	lender	NOUN
ajoaa-2080	171	21	to	to	PART
ajoaa-2080	171	22	expand	expand	VERB
ajoaa-2080	171	23	credit	credit	NOUN
ajoaa-2080	171	24	access	access	NOUN
ajoaa-2080	171	25	even	even	ADV
ajoaa-2080	171	26	to	to	ADP
ajoaa-2080	171	27	the	the	DET
ajoaa-2080	171	28	marginalized	marginalize	VERB
ajoaa-2080	171	29	smallholder	smallholder	NOUN
ajoaa-2080	171	30	farmers	farmer	NOUN
ajoaa-2080	171	31	.	.	PUNCT
ajoaa-2080	172	1	it	it	PRON
ajoaa-2080	172	2	also	also	ADV
ajoaa-2080	172	3	confirms	confirm	VERB
ajoaa-2080	172	4	the	the	DET
ajoaa-2080	172	5	applicability	applicability	NOUN
ajoaa-2080	172	6	of	of	ADP
ajoaa-2080	172	7	the	the	DET
ajoaa-2080	172	8	campari	campari	ADJ
ajoaa-2080	172	9	model	model	NOUN
ajoaa-2080	172	10	in	in	ADP
ajoaa-2080	172	11	zimbabwean	zimbabwean	ADJ
ajoaa-2080	172	12	commercial	commercial	ADJ
ajoaa-2080	172	13	banks	bank	NOUN
ajoaa-2080	172	14	.	.	PUNCT
ajoaa-2080	173	1	3.10	3.10	NUM
ajoaa-2080	173	2	.	.	PUNCT
ajoaa-2080	173	3	financial	financial	ADJ
ajoaa-2080	173	4	statements	statement	NOUN
ajoaa-2080	173	5	and	and	CCONJ
ajoaa-2080	173	6	business	business	NOUN
ajoaa-2080	173	7	plan	plan	VERB
ajoaa-2080	173	8	the	the	DET
ajoaa-2080	173	9	requirement	requirement	NOUN
ajoaa-2080	173	10	for	for	ADP
ajoaa-2080	173	11	financial	financial	ADJ
ajoaa-2080	173	12	statements	statement	NOUN
ajoaa-2080	173	13	of	of	ADP
ajoaa-2080	173	14	the	the	DET
ajoaa-2080	173	15	agricultural	agricultural	ADJ
ajoaa-2080	173	16	enterprise	enterprise	NOUN
ajoaa-2080	173	17	also	also	ADV
ajoaa-2080	173	18	scored	score	VERB
ajoaa-2080	173	19	a	a	DET
ajoaa-2080	173	20	high	high	ADJ
ajoaa-2080	173	21	rii	rii	NOUN
ajoaa-2080	173	22	of	of	ADP
ajoaa-2080	173	23	0.92	0.92	NUM
ajoaa-2080	173	24	(	(	PUNCT
ajoaa-2080	173	25	table	table	NOUN
ajoaa-2080	173	26	1	1	NUM
ajoaa-2080	173	27	)	)	PUNCT
ajoaa-2080	173	28	.	.	PUNCT
ajoaa-2080	174	1	six	six	NUM
ajoaa-2080	174	2	out	out	ADP
ajoaa-2080	174	3	of	of	ADP
ajoaa-2080	174	4	the	the	DET
ajoaa-2080	174	5	eight	eight	NUM
ajoaa-2080	174	6	commercial	commercial	ADJ
ajoaa-2080	174	7	banks	bank	NOUN
ajoaa-2080	174	8	revealed	reveal	VERB
ajoaa-2080	174	9	that	that	SCONJ
ajoaa-2080	174	10	they	they	PRON
ajoaa-2080	174	11	always	always	ADV
ajoaa-2080	174	12	considered	consider	VERB
ajoaa-2080	174	13	the	the	DET
ajoaa-2080	174	14	requirement	requirement	NOUN
ajoaa-2080	174	15	for	for	ADP
ajoaa-2080	174	16	a	a	DET
ajoaa-2080	174	17	farm	farm	NOUN
ajoaa-2080	174	18	's	's	PART
ajoaa-2080	174	19	financial	financial	ADJ
ajoaa-2080	174	20	statements	statement	NOUN
ajoaa-2080	174	21	in	in	ADP
ajoaa-2080	174	22	their	their	PRON
ajoaa-2080	174	23	evaluations	evaluation	NOUN
ajoaa-2080	174	24	of	of	ADP
ajoaa-2080	174	25	agricultural	agricultural	ADJ
ajoaa-2080	174	26	loan	loan	NOUN
ajoaa-2080	174	27	applications	application	NOUN
ajoaa-2080	174	28	.	.	PUNCT
ajoaa-2080	175	1	asian	asian	ADJ
ajoaa-2080	175	2	journal	journal	PROPN
ajoaa-2080	175	3	of	of	ADP
ajoaa-2080	175	4	agriculture	agriculture	NOUN
ajoaa-2080	175	5	and	and	CCONJ
ajoaa-2080	175	6	rural	rural	ADJ
ajoaa-2080	175	7	development	development	NOUN
ajoaa-2080	175	8	,	,	PUNCT
ajoaa-2080	175	9	10(2)2020	10(2)2020	NUM
ajoaa-2080	175	10	:	:	PUNCT
ajoaa-2080	175	11	628	628	NUM
ajoaa-2080	175	12	-	-	SYM
ajoaa-2080	175	13	644	644	NUM
ajoaa-2080	175	14	636	636	NUM
ajoaa-2080	175	15	at	at	ADP
ajoaa-2080	175	16	the	the	DET
ajoaa-2080	175	17	same	same	ADJ
ajoaa-2080	175	18	time	time	NOUN
ajoaa-2080	175	19	,	,	PUNCT
ajoaa-2080	175	20	the	the	DET
ajoaa-2080	175	21	remaining	remain	VERB
ajoaa-2080	175	22	two	two	NUM
ajoaa-2080	175	23	said	say	VERB
ajoaa-2080	175	24	that	that	SCONJ
ajoaa-2080	175	25	they	they	PRON
ajoaa-2080	175	26	sometimes	sometimes	ADV
ajoaa-2080	175	27	required	require	VERB
ajoaa-2080	175	28	financial	financial	ADJ
ajoaa-2080	175	29	statements	statement	NOUN
ajoaa-2080	175	30	from	from	ADP
ajoaa-2080	175	31	farmers	farmer	NOUN
ajoaa-2080	175	32	seeking	seek	VERB
ajoaa-2080	175	33	loans	loan	NOUN
ajoaa-2080	175	34	.	.	PUNCT
ajoaa-2080	176	1	closely	closely	ADV
ajoaa-2080	176	2	related	relate	VERB
ajoaa-2080	176	3	to	to	ADP
ajoaa-2080	176	4	this	this	DET
ajoaa-2080	176	5	lending	lending	NOUN
ajoaa-2080	176	6	requirement	requirement	NOUN
ajoaa-2080	176	7	was	be	AUX
ajoaa-2080	176	8	the	the	DET
ajoaa-2080	176	9	need	need	NOUN
ajoaa-2080	176	10	for	for	SCONJ
ajoaa-2080	176	11	a	a	DET
ajoaa-2080	176	12	farmer	farmer	NOUN
ajoaa-2080	176	13	to	to	PART
ajoaa-2080	176	14	present	present	VERB
ajoaa-2080	176	15	a	a	DET
ajoaa-2080	176	16	business	business	NOUN
ajoaa-2080	176	17	plan	plan	NOUN
ajoaa-2080	176	18	,	,	PUNCT
ajoaa-2080	176	19	which	which	PRON
ajoaa-2080	176	20	scored	score	VERB
ajoaa-2080	176	21	another	another	DET
ajoaa-2080	176	22	high	high	ADJ
ajoaa-2080	176	23	but	but	CCONJ
ajoaa-2080	176	24	lower	low	ADJ
ajoaa-2080	176	25	rii	rii	ADJ
ajoaa-2080	176	26	score	score	NOUN
ajoaa-2080	176	27	of	of	ADP
ajoaa-2080	176	28	0.88	0.88	NUM
ajoaa-2080	176	29	(	(	PUNCT
ajoaa-2080	176	30	table	table	NOUN
ajoaa-2080	176	31	1	1	NUM
ajoaa-2080	176	32	)	)	PUNCT
ajoaa-2080	176	33	.	.	PUNCT
ajoaa-2080	177	1	six	six	NUM
ajoaa-2080	177	2	commercial	commercial	ADJ
ajoaa-2080	177	3	banks	bank	NOUN
ajoaa-2080	177	4	also	also	ADV
ajoaa-2080	177	5	revealed	reveal	VERB
ajoaa-2080	177	6	that	that	SCONJ
ajoaa-2080	177	7	they	they	PRON
ajoaa-2080	177	8	always	always	ADV
ajoaa-2080	177	9	required	require	VERB
ajoaa-2080	177	10	a	a	DET
ajoaa-2080	177	11	business	business	NOUN
ajoaa-2080	177	12	plan	plan	NOUN
ajoaa-2080	177	13	for	for	ADP
ajoaa-2080	177	14	a	a	DET
ajoaa-2080	177	15	farming	farming	NOUN
ajoaa-2080	177	16	project	project	NOUN
ajoaa-2080	177	17	that	that	PRON
ajoaa-2080	177	18	seeks	seek	VERB
ajoaa-2080	177	19	funding	funding	NOUN
ajoaa-2080	177	20	.	.	PUNCT
ajoaa-2080	178	1	however	however	ADV
ajoaa-2080	178	2	,	,	PUNCT
ajoaa-2080	178	3	one	one	NUM
ajoaa-2080	178	4	commercial	commercial	ADJ
ajoaa-2080	178	5	bank	bank	NOUN
ajoaa-2080	178	6	indicated	indicate	VERB
ajoaa-2080	178	7	that	that	SCONJ
ajoaa-2080	178	8	it	it	PRON
ajoaa-2080	178	9	sometimes	sometimes	ADV
ajoaa-2080	178	10	considered	consider	VERB
ajoaa-2080	178	11	the	the	DET
ajoaa-2080	178	12	condition	condition	NOUN
ajoaa-2080	178	13	,	,	PUNCT
ajoaa-2080	178	14	while	while	SCONJ
ajoaa-2080	178	15	the	the	DET
ajoaa-2080	178	16	remaining	remain	VERB
ajoaa-2080	178	17	one	one	NUM
ajoaa-2080	178	18	bank	bank	NOUN
ajoaa-2080	178	19	never	never	ADV
ajoaa-2080	178	20	considered	consider	VERB
ajoaa-2080	178	21	it	it	PRON
ajoaa-2080	178	22	.	.	PUNCT
ajoaa-2080	179	1	the	the	DET
ajoaa-2080	179	2	banks	bank	NOUN
ajoaa-2080	179	3	revealed	reveal	VERB
ajoaa-2080	179	4	that	that	SCONJ
ajoaa-2080	179	5	historical	historical	ADJ
ajoaa-2080	179	6	financial	financial	ADJ
ajoaa-2080	179	7	statements	statement	NOUN
ajoaa-2080	179	8	and	and	CCONJ
ajoaa-2080	179	9	business	business	NOUN
ajoaa-2080	179	10	plans	plan	NOUN
ajoaa-2080	179	11	enabled	enable	VERB
ajoaa-2080	179	12	them	they	PRON
ajoaa-2080	179	13	to	to	PART
ajoaa-2080	179	14	assess	assess	VERB
ajoaa-2080	179	15	the	the	DET
ajoaa-2080	179	16	project	project	NOUN
ajoaa-2080	179	17	's	's	PART
ajoaa-2080	179	18	viability	viability	NOUN
ajoaa-2080	179	19	,	,	PUNCT
ajoaa-2080	179	20	from	from	ADP
ajoaa-2080	179	21	which	which	PRON
ajoaa-2080	179	22	they	they	PRON
ajoaa-2080	179	23	could	could	AUX
ajoaa-2080	179	24	make	make	VERB
ajoaa-2080	179	25	sound	sound	ADJ
ajoaa-2080	179	26	lending	lending	NOUN
ajoaa-2080	179	27	decisions	decision	NOUN
ajoaa-2080	179	28	with	with	ADP
ajoaa-2080	179	29	certainty	certainty	NOUN
ajoaa-2080	179	30	that	that	SCONJ
ajoaa-2080	179	31	their	their	PRON
ajoaa-2080	179	32	advanced	advanced	ADJ
ajoaa-2080	179	33	loans	loan	NOUN
ajoaa-2080	179	34	would	would	AUX
ajoaa-2080	179	35	be	be	AUX
ajoaa-2080	179	36	paid	pay	VERB
ajoaa-2080	179	37	back	back	ADV
ajoaa-2080	179	38	.	.	PUNCT
ajoaa-2080	180	1	cb8	cb8	PROPN
ajoaa-2080	180	2	stated	state	VERB
ajoaa-2080	180	3	that	that	SCONJ
ajoaa-2080	180	4	it	it	PRON
ajoaa-2080	180	5	always	always	ADV
ajoaa-2080	180	6	needed	need	VERB
ajoaa-2080	180	7	a	a	DET
ajoaa-2080	180	8	letter	letter	NOUN
ajoaa-2080	180	9	of	of	ADP
ajoaa-2080	180	10	financing	financing	NOUN
ajoaa-2080	180	11	request	request	NOUN
ajoaa-2080	180	12	,	,	PUNCT
ajoaa-2080	180	13	which	which	PRON
ajoaa-2080	180	14	is	be	AUX
ajoaa-2080	180	15	essentially	essentially	ADV
ajoaa-2080	180	16	a	a	DET
ajoaa-2080	180	17	business	business	NOUN
ajoaa-2080	180	18	plan	plan	NOUN
ajoaa-2080	180	19	.	.	PUNCT
ajoaa-2080	181	1	supporting	support	VERB
ajoaa-2080	181	2	the	the	DET
ajoaa-2080	181	3	banks	bank	NOUN
ajoaa-2080	181	4	'	'	PART
ajoaa-2080	181	5	need	need	NOUN
ajoaa-2080	181	6	for	for	ADP
ajoaa-2080	181	7	financial	financial	ADJ
ajoaa-2080	181	8	statements	statement	NOUN
ajoaa-2080	181	9	and	and	CCONJ
ajoaa-2080	181	10	business	business	NOUN
ajoaa-2080	181	11	plans	plan	NOUN
ajoaa-2080	181	12	from	from	ADP
ajoaa-2080	181	13	potential	potential	ADJ
ajoaa-2080	181	14	borrowers	borrower	NOUN
ajoaa-2080	181	15	,	,	PUNCT
ajoaa-2080	181	16	seyoum	seyoum	NOUN
ajoaa-2080	181	17	(	(	PUNCT
ajoaa-2080	181	18	2017	2017	NUM
ajoaa-2080	181	19	)	)	PUNCT
ajoaa-2080	181	20	avers	aver	VERB
ajoaa-2080	181	21	that	that	SCONJ
ajoaa-2080	181	22	the	the	DET
ajoaa-2080	181	23	analysis	analysis	NOUN
ajoaa-2080	181	24	of	of	ADP
ajoaa-2080	181	25	income	income	NOUN
ajoaa-2080	181	26	and	and	CCONJ
ajoaa-2080	181	27	cash	cash	NOUN
ajoaa-2080	181	28	flow	flow	NOUN
ajoaa-2080	181	29	projections	projection	NOUN
ajoaa-2080	181	30	by	by	ADP
ajoaa-2080	181	31	the	the	DET
ajoaa-2080	181	32	bank	bank	NOUN
ajoaa-2080	181	33	ensures	ensure	VERB
ajoaa-2080	181	34	that	that	SCONJ
ajoaa-2080	181	35	there	there	PRON
ajoaa-2080	181	36	are	be	VERB
ajoaa-2080	181	37	surplus	surplus	ADJ
ajoaa-2080	181	38	funds	fund	NOUN
ajoaa-2080	181	39	in	in	ADP
ajoaa-2080	181	40	the	the	DET
ajoaa-2080	181	41	potential	potential	ADJ
ajoaa-2080	181	42	borrower	borrower	NOUN
ajoaa-2080	181	43	's	's	PART
ajoaa-2080	181	44	project	project	NOUN
ajoaa-2080	181	45	to	to	PART
ajoaa-2080	181	46	cover	cover	VERB
ajoaa-2080	181	47	repayment	repayment	NOUN
ajoaa-2080	181	48	after	after	ADP
ajoaa-2080	181	49	meeting	meet	VERB
ajoaa-2080	181	50	other	other	ADJ
ajoaa-2080	181	51	commitments	commitment	NOUN
ajoaa-2080	181	52	.	.	PUNCT
ajoaa-2080	182	1	in	in	ADP
ajoaa-2080	182	2	support	support	NOUN
ajoaa-2080	182	3	of	of	ADP
ajoaa-2080	182	4	these	these	DET
ajoaa-2080	182	5	findings	finding	NOUN
ajoaa-2080	182	6	,	,	PUNCT
ajoaa-2080	182	7	sebatta	sebatta	PROPN
ajoaa-2080	182	8	et	et	PROPN
ajoaa-2080	182	9	al	al	PROPN
ajoaa-2080	182	10	.	.	PROPN
ajoaa-2080	183	1	(	(	PUNCT
ajoaa-2080	183	2	2014	2014	NUM
ajoaa-2080	183	3	)	)	PUNCT
ajoaa-2080	183	4	's	's	PART
ajoaa-2080	183	5	study	study	NOUN
ajoaa-2080	183	6	in	in	ADP
ajoaa-2080	183	7	zambia	zambia	PROPN
ajoaa-2080	183	8	also	also	ADV
ajoaa-2080	183	9	revealed	reveal	VERB
ajoaa-2080	183	10	that	that	SCONJ
ajoaa-2080	183	11	farmers	farmer	NOUN
ajoaa-2080	183	12	who	who	PRON
ajoaa-2080	183	13	were	be	AUX
ajoaa-2080	183	14	able	able	ADJ
ajoaa-2080	183	15	to	to	PART
ajoaa-2080	183	16	make	make	VERB
ajoaa-2080	183	17	informed	informed	ADJ
ajoaa-2080	183	18	decisions	decision	NOUN
ajoaa-2080	183	19	concerning	concern	VERB
ajoaa-2080	183	20	the	the	DET
ajoaa-2080	183	21	amount	amount	NOUN
ajoaa-2080	183	22	needed	need	VERB
ajoaa-2080	183	23	to	to	PART
ajoaa-2080	183	24	undertake	undertake	VERB
ajoaa-2080	183	25	particular	particular	ADJ
ajoaa-2080	183	26	projects	project	NOUN
ajoaa-2080	183	27	through	through	ADP
ajoaa-2080	183	28	making	make	VERB
ajoaa-2080	183	29	business	business	NOUN
ajoaa-2080	183	30	plans	plan	NOUN
ajoaa-2080	183	31	,	,	PUNCT
ajoaa-2080	183	32	or	or	CCONJ
ajoaa-2080	183	33	budgets	budget	NOUN
ajoaa-2080	183	34	had	have	VERB
ajoaa-2080	183	35	better	well	ADJ
ajoaa-2080	183	36	access	access	NOUN
ajoaa-2080	183	37	to	to	ADP
ajoaa-2080	183	38	bank	bank	NOUN
ajoaa-2080	183	39	credit	credit	NOUN
ajoaa-2080	183	40	.	.	PUNCT
ajoaa-2080	184	1	according	accord	VERB
ajoaa-2080	184	2	to	to	ADP
ajoaa-2080	184	3	the	the	DET
ajoaa-2080	184	4	study	study	NOUN
ajoaa-2080	184	5	,	,	PUNCT
ajoaa-2080	184	6	their	their	PRON
ajoaa-2080	184	7	better	well	ADJ
ajoaa-2080	184	8	access	access	NOUN
ajoaa-2080	184	9	to	to	ADP
ajoaa-2080	184	10	bank	bank	NOUN
ajoaa-2080	184	11	credit	credit	NOUN
ajoaa-2080	184	12	was	be	AUX
ajoaa-2080	184	13	premised	premise	VERB
ajoaa-2080	184	14	on	on	ADP
ajoaa-2080	184	15	the	the	DET
ajoaa-2080	184	16	fact	fact	NOUN
ajoaa-2080	184	17	that	that	SCONJ
ajoaa-2080	184	18	loan	loan	NOUN
ajoaa-2080	184	19	granting	grant	VERB
ajoaa-2080	184	20	institutions	institution	NOUN
ajoaa-2080	184	21	usually	usually	ADV
ajoaa-2080	184	22	needed	need	VERB
ajoaa-2080	184	23	such	such	ADJ
ajoaa-2080	184	24	documents	document	NOUN
ajoaa-2080	184	25	before	before	ADP
ajoaa-2080	184	26	issuing	issue	VERB
ajoaa-2080	184	27	out	out	ADP
ajoaa-2080	184	28	loans	loan	NOUN
ajoaa-2080	184	29	.	.	PUNCT
ajoaa-2080	185	1	goeringer	goeringer	NOUN
ajoaa-2080	185	2	and	and	CCONJ
ajoaa-2080	185	3	hanson	hanson	PROPN
ajoaa-2080	185	4	(	(	PUNCT
ajoaa-2080	185	5	2013	2013	NUM
ajoaa-2080	185	6	)	)	PUNCT
ajoaa-2080	185	7	also	also	ADV
ajoaa-2080	185	8	aver	aver	VERB
ajoaa-2080	185	9	that	that	SCONJ
ajoaa-2080	185	10	one	one	NUM
ajoaa-2080	185	11	document	document	NOUN
ajoaa-2080	185	12	required	require	VERB
ajoaa-2080	185	13	by	by	ADP
ajoaa-2080	185	14	banks	bank	NOUN
ajoaa-2080	185	15	that	that	PRON
ajoaa-2080	185	16	demonstrates	demonstrate	VERB
ajoaa-2080	185	17	the	the	DET
ajoaa-2080	185	18	business	business	NOUN
ajoaa-2080	185	19	'	'	PART
ajoaa-2080	185	20	ability	ability	NOUN
ajoaa-2080	185	21	to	to	PART
ajoaa-2080	185	22	generate	generate	VERB
ajoaa-2080	185	23	adequate	adequate	ADJ
ajoaa-2080	185	24	cash	cash	NOUN
ajoaa-2080	185	25	is	be	AUX
ajoaa-2080	185	26	the	the	DET
ajoaa-2080	185	27	business	business	NOUN
ajoaa-2080	185	28	plan	plan	NOUN
ajoaa-2080	185	29	because	because	SCONJ
ajoaa-2080	185	30	it	it	PRON
ajoaa-2080	185	31	contains	contain	VERB
ajoaa-2080	185	32	financial	financial	ADJ
ajoaa-2080	185	33	statements	statement	NOUN
ajoaa-2080	185	34	like	like	ADP
ajoaa-2080	185	35	projected	project	VERB
ajoaa-2080	185	36	cash	cash	NOUN
ajoaa-2080	185	37	flow	flow	NOUN
ajoaa-2080	185	38	statements	statement	NOUN
ajoaa-2080	185	39	and	and	CCONJ
ajoaa-2080	185	40	balance	balance	NOUN
ajoaa-2080	185	41	sheets	sheet	NOUN
ajoaa-2080	185	42	that	that	PRON
ajoaa-2080	185	43	show	show	VERB
ajoaa-2080	185	44	the	the	DET
ajoaa-2080	185	45	financial	financial	ADJ
ajoaa-2080	185	46	standing	standing	NOUN
ajoaa-2080	185	47	of	of	ADP
ajoaa-2080	185	48	an	an	DET
ajoaa-2080	185	49	enterprise	enterprise	NOUN
ajoaa-2080	185	50	.	.	PUNCT
ajoaa-2080	186	1	the	the	DET
ajoaa-2080	186	2	business	business	NOUN
ajoaa-2080	186	3	plan	plan	NOUN
ajoaa-2080	186	4	is	be	AUX
ajoaa-2080	186	5	also	also	ADV
ajoaa-2080	186	6	purported	purport	VERB
ajoaa-2080	186	7	to	to	PART
ajoaa-2080	186	8	enable	enable	VERB
ajoaa-2080	186	9	lending	lending	NOUN
ajoaa-2080	186	10	institutions	institution	NOUN
ajoaa-2080	186	11	to	to	PART
ajoaa-2080	186	12	establish	establish	VERB
ajoaa-2080	186	13	if	if	SCONJ
ajoaa-2080	186	14	the	the	DET
ajoaa-2080	186	15	potential	potential	ADJ
ajoaa-2080	186	16	borrower	borrower	NOUN
ajoaa-2080	186	17	has	have	VERB
ajoaa-2080	186	18	a	a	DET
ajoaa-2080	186	19	basic	basic	ADJ
ajoaa-2080	186	20	understanding	understanding	NOUN
ajoaa-2080	186	21	of	of	ADP
ajoaa-2080	186	22	the	the	DET
ajoaa-2080	186	23	industry	industry	NOUN
ajoaa-2080	186	24	and	and	CCONJ
ajoaa-2080	186	25	the	the	DET
ajoaa-2080	186	26	business	business	NOUN
ajoaa-2080	186	27	,	,	PUNCT
ajoaa-2080	186	28	which	which	PRON
ajoaa-2080	186	29	may	may	AUX
ajoaa-2080	186	30	also	also	ADV
ajoaa-2080	186	31	suggest	suggest	VERB
ajoaa-2080	186	32	their	their	PRON
ajoaa-2080	186	33	ability	ability	NOUN
ajoaa-2080	186	34	to	to	PART
ajoaa-2080	186	35	successfully	successfully	ADV
ajoaa-2080	186	36	manage	manage	VERB
ajoaa-2080	186	37	the	the	DET
ajoaa-2080	186	38	business	business	NOUN
ajoaa-2080	186	39	(	(	PUNCT
ajoaa-2080	186	40	goeringer	goeringer	NOUN
ajoaa-2080	186	41	and	and	CCONJ
ajoaa-2080	186	42	hanson	hanson	PROPN
ajoaa-2080	186	43	,	,	PUNCT
ajoaa-2080	186	44	2013	2013	NUM
ajoaa-2080	186	45	)	)	PUNCT
ajoaa-2080	186	46	.	.	PUNCT
ajoaa-2080	187	1	therefore	therefore	ADV
ajoaa-2080	187	2	,	,	PUNCT
ajoaa-2080	187	3	the	the	DET
ajoaa-2080	187	4	requirement	requirement	NOUN
ajoaa-2080	187	5	for	for	ADP
ajoaa-2080	187	6	these	these	DET
ajoaa-2080	187	7	documents	document	NOUN
ajoaa-2080	187	8	by	by	ADP
ajoaa-2080	187	9	local	local	ADJ
ajoaa-2080	187	10	commercial	commercial	ADJ
ajoaa-2080	187	11	banks	bank	NOUN
ajoaa-2080	187	12	to	to	PART
ajoaa-2080	187	13	verify	verify	VERB
ajoaa-2080	187	14	the	the	DET
ajoaa-2080	187	15	ability	ability	NOUN
ajoaa-2080	187	16	of	of	ADP
ajoaa-2080	187	17	the	the	DET
ajoaa-2080	187	18	farmer	farmer	NOUN
ajoaa-2080	187	19	to	to	PART
ajoaa-2080	187	20	repay	repay	VERB
ajoaa-2080	187	21	the	the	DET
ajoaa-2080	187	22	loan	loan	NOUN
ajoaa-2080	187	23	also	also	ADV
ajoaa-2080	187	24	validate	validate	VERB
ajoaa-2080	187	25	the	the	DET
ajoaa-2080	187	26	applicability	applicability	NOUN
ajoaa-2080	187	27	of	of	ADP
ajoaa-2080	187	28	the	the	DET
ajoaa-2080	187	29	campari	campari	ADJ
ajoaa-2080	187	30	model	model	NOUN
ajoaa-2080	187	31	in	in	ADP
ajoaa-2080	187	32	agricultural	agricultural	ADJ
ajoaa-2080	187	33	lending	lending	NOUN
ajoaa-2080	187	34	in	in	ADP
ajoaa-2080	187	35	zimbabwe	zimbabwe	PROPN
ajoaa-2080	187	36	.	.	PUNCT
ajoaa-2080	188	1	3.11	3.11	NUM
ajoaa-2080	188	2	.	.	PUNCT
ajoaa-2080	189	1	guarantor	guarantor	NOUN
ajoaa-2080	189	2	this	this	DET
ajoaa-2080	189	3	study	study	NOUN
ajoaa-2080	189	4	also	also	ADV
ajoaa-2080	189	5	established	establish	VERB
ajoaa-2080	189	6	that	that	SCONJ
ajoaa-2080	189	7	local	local	ADJ
ajoaa-2080	189	8	commercial	commercial	ADJ
ajoaa-2080	189	9	banks	bank	NOUN
ajoaa-2080	189	10	required	require	VERB
ajoaa-2080	189	11	guarantors	guarantor	NOUN
ajoaa-2080	189	12	for	for	ADP
ajoaa-2080	189	13	agricultural	agricultural	ADJ
ajoaa-2080	189	14	loans	loan	NOUN
ajoaa-2080	189	15	granted	grant	VERB
ajoaa-2080	189	16	to	to	ADP
ajoaa-2080	189	17	farmers	farmer	NOUN
ajoaa-2080	189	18	in	in	ADP
ajoaa-2080	189	19	zimbabwe	zimbabwe	PROPN
ajoaa-2080	189	20	.	.	PUNCT
ajoaa-2080	190	1	this	this	DET
ajoaa-2080	190	2	lending	lending	NOUN
ajoaa-2080	190	3	condition	condition	NOUN
ajoaa-2080	190	4	also	also	ADV
ajoaa-2080	190	5	scored	score	VERB
ajoaa-2080	190	6	a	a	DET
ajoaa-2080	190	7	high	high	ADJ
ajoaa-2080	190	8	rii	rii	NOUN
ajoaa-2080	190	9	of	of	ADP
ajoaa-2080	190	10	0.88	0.88	NUM
ajoaa-2080	190	11	,	,	PUNCT
ajoaa-2080	190	12	as	as	SCONJ
ajoaa-2080	190	13	shown	show	VERB
ajoaa-2080	190	14	in	in	ADP
ajoaa-2080	190	15	table	table	NOUN
ajoaa-2080	190	16	1	1	NUM
ajoaa-2080	190	17	above	above	ADV
ajoaa-2080	190	18	.	.	PUNCT
ajoaa-2080	191	1	five	five	NUM
ajoaa-2080	191	2	out	out	ADP
ajoaa-2080	191	3	of	of	ADP
ajoaa-2080	191	4	the	the	DET
ajoaa-2080	191	5	eight	eight	NUM
ajoaa-2080	191	6	commercial	commercial	ADJ
ajoaa-2080	191	7	banks	bank	NOUN
ajoaa-2080	191	8	that	that	PRON
ajoaa-2080	191	9	participated	participate	VERB
ajoaa-2080	191	10	in	in	ADP
ajoaa-2080	191	11	the	the	DET
ajoaa-2080	191	12	study	study	NOUN
ajoaa-2080	191	13	always	always	ADV
ajoaa-2080	191	14	required	require	VERB
ajoaa-2080	191	15	guarantors	guarantor	NOUN
ajoaa-2080	191	16	,	,	PUNCT
ajoaa-2080	191	17	while	while	SCONJ
ajoaa-2080	191	18	the	the	DET
ajoaa-2080	191	19	remaining	remain	VERB
ajoaa-2080	191	20	three	three	NUM
ajoaa-2080	191	21	sometimes	sometimes	ADV
ajoaa-2080	191	22	required	require	VERB
ajoaa-2080	191	23	them	they	PRON
ajoaa-2080	191	24	when	when	SCONJ
ajoaa-2080	191	25	lending	lend	VERB
ajoaa-2080	191	26	to	to	ADP
ajoaa-2080	191	27	farmers	farmer	NOUN
ajoaa-2080	191	28	.	.	PUNCT
ajoaa-2080	192	1	cb1	cb1	PROPN
ajoaa-2080	192	2	stated	state	VERB
ajoaa-2080	192	3	that	that	SCONJ
ajoaa-2080	192	4	"	"	PUNCT
ajoaa-2080	192	5	third	third	ADJ
ajoaa-2080	192	6	party	party	NOUN
ajoaa-2080	192	7	guarantors	guarantor	NOUN
ajoaa-2080	192	8	are	be	AUX
ajoaa-2080	192	9	considered	consider	VERB
ajoaa-2080	192	10	subject	subject	ADJ
ajoaa-2080	192	11	to	to	ADP
ajoaa-2080	192	12	gearing	gear	VERB
ajoaa-2080	192	13	checks	check	NOUN
ajoaa-2080	192	14	and	and	CCONJ
ajoaa-2080	192	15	due	due	ADJ
ajoaa-2080	192	16	diligence	diligence	NOUN
ajoaa-2080	192	17	.	.	PUNCT
ajoaa-2080	192	18	"	"	PUNCT
ajoaa-2080	193	1	cb7	cb7	VERB
ajoaa-2080	193	2	,	,	PUNCT
ajoaa-2080	193	3	on	on	ADP
ajoaa-2080	193	4	the	the	DET
ajoaa-2080	193	5	other	other	ADJ
ajoaa-2080	193	6	hand	hand	NOUN
ajoaa-2080	193	7	,	,	PUNCT
ajoaa-2080	193	8	indicated	indicate	VERB
ajoaa-2080	193	9	that	that	SCONJ
ajoaa-2080	193	10	it	it	PRON
ajoaa-2080	193	11	opted	opt	VERB
ajoaa-2080	193	12	for	for	ADP
ajoaa-2080	193	13	co/	co/	ADJ
ajoaa-2080	193	14	peer	peer	NOUN
ajoaa-2080	193	15	guaranteeing	guaranteeing	NOUN
ajoaa-2080	193	16	of	of	ADP
ajoaa-2080	193	17	farmers	farmer	NOUN
ajoaa-2080	193	18	under	under	ADP
ajoaa-2080	193	19	communal	communal	ADJ
ajoaa-2080	193	20	irrigation	irrigation	NOUN
ajoaa-2080	193	21	setups	setup	NOUN
ajoaa-2080	193	22	,	,	PUNCT
ajoaa-2080	193	23	in	in	ADP
ajoaa-2080	193	24	which	which	PRON
ajoaa-2080	193	25	no	no	DET
ajoaa-2080	193	26	new	new	ADJ
ajoaa-2080	193	27	loans	loan	NOUN
ajoaa-2080	193	28	were	be	AUX
ajoaa-2080	193	29	granted	grant	VERB
ajoaa-2080	193	30	until	until	SCONJ
ajoaa-2080	193	31	every	every	DET
ajoaa-2080	193	32	farmer	farmer	NOUN
ajoaa-2080	193	33	had	have	AUX
ajoaa-2080	193	34	honored	honor	VERB
ajoaa-2080	193	35	his	his	PRON
ajoaa-2080	193	36	/	/	SYM
ajoaa-2080	193	37	her	her	PRON
ajoaa-2080	193	38	outstanding	outstanding	ADJ
ajoaa-2080	193	39	loan	loan	NOUN
ajoaa-2080	193	40	obligations	obligation	NOUN
ajoaa-2080	193	41	.	.	PUNCT
ajoaa-2080	194	1	otieno	otieno	ADJ
ajoaa-2080	194	2	(	(	PUNCT
ajoaa-2080	194	3	2013	2013	NUM
ajoaa-2080	194	4	)	)	PUNCT
ajoaa-2080	194	5	confirms	confirm	VERB
ajoaa-2080	194	6	that	that	SCONJ
ajoaa-2080	194	7	guarantees	guarantee	NOUN
ajoaa-2080	194	8	are	be	AUX
ajoaa-2080	194	9	a	a	DET
ajoaa-2080	194	10	part	part	NOUN
ajoaa-2080	194	11	of	of	ADP
ajoaa-2080	194	12	considerations	consideration	NOUN
ajoaa-2080	194	13	that	that	PRON
ajoaa-2080	194	14	determine	determine	VERB
ajoaa-2080	194	15	the	the	DET
ajoaa-2080	194	16	acceptance	acceptance	NOUN
ajoaa-2080	194	17	or	or	CCONJ
ajoaa-2080	194	18	rejection	rejection	NOUN
ajoaa-2080	194	19	of	of	ADP
ajoaa-2080	194	20	any	any	DET
ajoaa-2080	194	21	loan	loan	NOUN
ajoaa-2080	194	22	,	,	PUNCT
ajoaa-2080	194	23	and	and	CCONJ
ajoaa-2080	194	24	have	have	AUX
ajoaa-2080	194	25	been	be	AUX
ajoaa-2080	194	26	one	one	NUM
ajoaa-2080	194	27	of	of	ADP
ajoaa-2080	194	28	the	the	DET
ajoaa-2080	194	29	most	most	ADV
ajoaa-2080	194	30	popular	popular	ADJ
ajoaa-2080	194	31	credit	credit	NOUN
ajoaa-2080	194	32	risk	risk	NOUN
ajoaa-2080	194	33	reduction	reduction	NOUN
ajoaa-2080	194	34	strategies	strategy	NOUN
ajoaa-2080	194	35	by	by	ADP
ajoaa-2080	194	36	banks	bank	NOUN
ajoaa-2080	194	37	.	.	PUNCT
ajoaa-2080	195	1	another	another	DET
ajoaa-2080	195	2	nigerian	nigerian	ADJ
ajoaa-2080	195	3	study	study	NOUN
ajoaa-2080	195	4	by	by	ADP
ajoaa-2080	195	5	ololade	ololade	NOUN
ajoaa-2080	195	6	and	and	CCONJ
ajoaa-2080	195	7	olagunju	olagunju	PROPN
ajoaa-2080	195	8	(	(	PUNCT
ajoaa-2080	195	9	2013	2013	NUM
ajoaa-2080	195	10	)	)	PUNCT
ajoaa-2080	195	11	in	in	ADP
ajoaa-2080	195	12	the	the	DET
ajoaa-2080	195	13	oyo	oyo	NOUN
ajoaa-2080	195	14	state	state	NOUN
ajoaa-2080	195	15	of	of	ADP
ajoaa-2080	195	16	nigeria	nigeria	PROPN
ajoaa-2080	195	17	also	also	ADV
ajoaa-2080	195	18	revealed	reveal	VERB
ajoaa-2080	195	19	that	that	SCONJ
ajoaa-2080	195	20	the	the	DET
ajoaa-2080	195	21	availability	availability	NOUN
ajoaa-2080	195	22	of	of	ADP
ajoaa-2080	195	23	a	a	DET
ajoaa-2080	195	24	guarantor	guarantor	NOUN
ajoaa-2080	195	25	positively	positively	ADV
ajoaa-2080	195	26	affected	affect	VERB
ajoaa-2080	195	27	the	the	DET
ajoaa-2080	195	28	farmers	farmer	NOUN
ajoaa-2080	195	29	'	'	PART
ajoaa-2080	195	30	access	access	NOUN
ajoaa-2080	195	31	to	to	ADP
ajoaa-2080	195	32	bank	bank	NOUN
ajoaa-2080	195	33	credit	credit	NOUN
ajoaa-2080	195	34	.	.	PUNCT
ajoaa-2080	196	1	abdul	abdul	PROPN
ajoaa-2080	196	2	-	-	PUNCT
ajoaa-2080	196	3	jalil	jalil	PROPN
ajoaa-2080	196	4	(	(	PUNCT
ajoaa-2080	196	5	2015	2015	NUM
ajoaa-2080	196	6	)	)	PUNCT
ajoaa-2080	196	7	's	's	PART
ajoaa-2080	196	8	study	study	NOUN
ajoaa-2080	196	9	in	in	ADP
ajoaa-2080	196	10	ghana	ghana	PROPN
ajoaa-2080	196	11	similarly	similarly	ADV
ajoaa-2080	196	12	revealed	reveal	VERB
ajoaa-2080	196	13	that	that	SCONJ
ajoaa-2080	196	14	farmers	farmer	NOUN
ajoaa-2080	196	15	with	with	ADP
ajoaa-2080	196	16	guarantors	guarantor	NOUN
ajoaa-2080	196	17	had	have	VERB
ajoaa-2080	196	18	a	a	DET
ajoaa-2080	196	19	higher	high	ADJ
ajoaa-2080	196	20	likelihood	likelihood	NOUN
ajoaa-2080	196	21	of	of	ADP
ajoaa-2080	196	22	accessing	access	VERB
ajoaa-2080	196	23	higher	high	ADJ
ajoaa-2080	196	24	loan	loan	NOUN
ajoaa-2080	196	25	amounts	amount	NOUN
ajoaa-2080	196	26	of	of	ADP
ajoaa-2080	196	27	credit	credit	NOUN
ajoaa-2080	196	28	from	from	ADP
ajoaa-2080	196	29	formal	formal	ADJ
ajoaa-2080	196	30	sources	source	NOUN
ajoaa-2080	196	31	.	.	PUNCT
ajoaa-2080	197	1	guarantors	guarantor	NOUN
ajoaa-2080	197	2	are	be	AUX
ajoaa-2080	197	3	part	part	NOUN
ajoaa-2080	197	4	of	of	ADP
ajoaa-2080	197	5	the	the	DET
ajoaa-2080	197	6	insurance	insurance	NOUN
ajoaa-2080	197	7	aspect	aspect	NOUN
ajoaa-2080	197	8	of	of	ADP
ajoaa-2080	197	9	the	the	DET
ajoaa-2080	197	10	campari	campari	ADJ
ajoaa-2080	197	11	model	model	NOUN
ajoaa-2080	197	12	,	,	PUNCT
ajoaa-2080	197	13	and	and	CCONJ
ajoaa-2080	197	14	its	its	PRON
ajoaa-2080	197	15	requirement	requirement	NOUN
ajoaa-2080	197	16	in	in	ADP
ajoaa-2080	197	17	the	the	DET
ajoaa-2080	197	18	majority	majority	NOUN
ajoaa-2080	197	19	of	of	ADP
ajoaa-2080	197	20	the	the	DET
ajoaa-2080	197	21	banks	bank	NOUN
ajoaa-2080	197	22	also	also	ADV
ajoaa-2080	197	23	validates	validate	VERB
ajoaa-2080	197	24	the	the	DET
ajoaa-2080	197	25	applicability	applicability	NOUN
ajoaa-2080	197	26	of	of	ADP
ajoaa-2080	197	27	the	the	DET
ajoaa-2080	197	28	model	model	NOUN
ajoaa-2080	197	29	in	in	ADP
ajoaa-2080	197	30	zimbabwe	zimbabwe	PROPN
ajoaa-2080	197	31	.	.	PUNCT
ajoaa-2080	198	1	3.12	3.12	NUM
ajoaa-2080	198	2	.	.	PUNCT
ajoaa-2080	198	3	social	social	ADJ
ajoaa-2080	198	4	reputation	reputation	NOUN
ajoaa-2080	198	5	five	five	NUM
ajoaa-2080	198	6	out	out	ADP
ajoaa-2080	198	7	of	of	ADP
ajoaa-2080	198	8	the	the	DET
ajoaa-2080	198	9	eight	eight	NUM
ajoaa-2080	198	10	commercial	commercial	ADJ
ajoaa-2080	198	11	banks	bank	NOUN
ajoaa-2080	198	12	always	always	ADV
ajoaa-2080	198	13	considered	consider	VERB
ajoaa-2080	198	14	the	the	DET
ajoaa-2080	198	15	farmer	farmer	NOUN
ajoaa-2080	198	16	's	's	PART
ajoaa-2080	198	17	social	social	ADJ
ajoaa-2080	198	18	reputation	reputation	NOUN
ajoaa-2080	198	19	,	,	PUNCT
ajoaa-2080	198	20	whereas	whereas	SCONJ
ajoaa-2080	198	21	two	two	NUM
ajoaa-2080	198	22	sometimes	sometimes	ADV
ajoaa-2080	198	23	considered	consider	VERB
ajoaa-2080	198	24	it	it	PRON
ajoaa-2080	198	25	.	.	PUNCT
ajoaa-2080	199	1	however	however	ADV
ajoaa-2080	199	2	,	,	PUNCT
ajoaa-2080	199	3	only	only	ADV
ajoaa-2080	199	4	one	one	NUM
ajoaa-2080	199	5	bank	bank	NOUN
ajoaa-2080	199	6	highlighted	highlight	VERB
ajoaa-2080	199	7	that	that	SCONJ
ajoaa-2080	199	8	it	it	PRON
ajoaa-2080	199	9	never	never	ADV
ajoaa-2080	199	10	considered	consider	VERB
ajoaa-2080	199	11	the	the	DET
ajoaa-2080	199	12	farmers	farmer	NOUN
ajoaa-2080	199	13	'	'	PART
ajoaa-2080	199	14	social	social	ADJ
ajoaa-2080	199	15	reputation	reputation	NOUN
ajoaa-2080	199	16	in	in	ADP
ajoaa-2080	199	17	the	the	DET
ajoaa-2080	199	18	evaluation	evaluation	NOUN
ajoaa-2080	199	19	of	of	ADP
ajoaa-2080	199	20	their	their	PRON
ajoaa-2080	199	21	agricultural	agricultural	ADJ
ajoaa-2080	199	22	loan	loan	NOUN
ajoaa-2080	199	23	applications	application	NOUN
ajoaa-2080	199	24	.	.	PUNCT
ajoaa-2080	200	1	the	the	DET
ajoaa-2080	200	2	borrowing	borrowing	NOUN
ajoaa-2080	200	3	condition	condition	NOUN
ajoaa-2080	200	4	consequently	consequently	ADV
ajoaa-2080	200	5	scored	score	VERB
ajoaa-2080	200	6	another	another	DET
ajoaa-2080	200	7	high	high	ADJ
ajoaa-2080	200	8	rii	rii	NOUN
ajoaa-2080	200	9	of	of	ADP
ajoaa-2080	200	10	0.83	0.83	NUM
ajoaa-2080	200	11	(	(	PUNCT
ajoaa-2080	200	12	table	table	NOUN
ajoaa-2080	200	13	1	1	NUM
ajoaa-2080	200	14	)	)	PUNCT
ajoaa-2080	200	15	.	.	PUNCT
ajoaa-2080	201	1	the	the	DET
ajoaa-2080	201	2	banks	bank	NOUN
ajoaa-2080	201	3	which	which	PRON
ajoaa-2080	201	4	considered	consider	VERB
ajoaa-2080	201	5	a	a	DET
ajoaa-2080	201	6	farmer	farmer	NOUN
ajoaa-2080	201	7	's	's	PART
ajoaa-2080	201	8	social	social	ADJ
ajoaa-2080	201	9	reputation	reputation	NOUN
ajoaa-2080	201	10	before	before	ADP
ajoaa-2080	201	11	granting	grant	VERB
ajoaa-2080	201	12	a	a	DET
ajoaa-2080	201	13	loan	loan	NOUN
ajoaa-2080	201	14	clarified	clarify	VERB
ajoaa-2080	201	15	that	that	SCONJ
ajoaa-2080	201	16	a	a	DET
ajoaa-2080	201	17	farmer	farmer	NOUN
ajoaa-2080	201	18	's	's	PART
ajoaa-2080	201	19	conduct	conduct	NOUN
ajoaa-2080	201	20	in	in	ADP
ajoaa-2080	201	21	a	a	DET
ajoaa-2080	201	22	society	society	NOUN
ajoaa-2080	201	23	formed	form	VERB
ajoaa-2080	201	24	part	part	NOUN
ajoaa-2080	201	25	of	of	ADP
ajoaa-2080	201	26	their	their	PRON
ajoaa-2080	201	27	verification	verification	NOUN
ajoaa-2080	201	28	of	of	ADP
ajoaa-2080	201	29	borrower	borrower	NOUN
ajoaa-2080	201	30	character	character	NOUN
ajoaa-2080	201	31	.	.	PUNCT
ajoaa-2080	202	1	safi	safi	PROPN
ajoaa-2080	202	2	and	and	CCONJ
ajoaa-2080	202	3	lin	lin	PROPN
ajoaa-2080	202	4	(	(	PUNCT
ajoaa-2080	202	5	2014	2014	NUM
ajoaa-2080	202	6	)	)	PUNCT
ajoaa-2080	202	7	similarly	similarly	ADV
ajoaa-2080	202	8	assert	assert	VERB
ajoaa-2080	202	9	that	that	SCONJ
ajoaa-2080	202	10	asian	asian	ADJ
ajoaa-2080	202	11	journal	journal	NOUN
ajoaa-2080	202	12	of	of	ADP
ajoaa-2080	202	13	agriculture	agriculture	NOUN
ajoaa-2080	202	14	and	and	CCONJ
ajoaa-2080	202	15	rural	rural	ADJ
ajoaa-2080	202	16	development	development	NOUN
ajoaa-2080	202	17	,	,	PUNCT
ajoaa-2080	202	18	10(2)2020	10(2)2020	NUM
ajoaa-2080	202	19	:	:	PUNCT
ajoaa-2080	202	20	628	628	NUM
ajoaa-2080	202	21	-	-	SYM
ajoaa-2080	202	22	644	644	NUM
ajoaa-2080	202	23	637	637	NUM
ajoaa-2080	202	24	character	character	NOUN
ajoaa-2080	202	25	is	be	AUX
ajoaa-2080	202	26	concerned	concern	VERB
ajoaa-2080	202	27	with	with	ADP
ajoaa-2080	202	28	reputation	reputation	NOUN
ajoaa-2080	202	29	,	,	PUNCT
ajoaa-2080	202	30	which	which	PRON
ajoaa-2080	202	31	is	be	AUX
ajoaa-2080	202	32	the	the	DET
ajoaa-2080	202	33	opinion	opinion	NOUN
ajoaa-2080	202	34	about	about	ADP
ajoaa-2080	202	35	an	an	DET
ajoaa-2080	202	36	entity	entity	NOUN
ajoaa-2080	202	37	resulting	result	VERB
ajoaa-2080	202	38	from	from	ADP
ajoaa-2080	202	39	social	social	ADJ
ajoaa-2080	202	40	evaluation	evaluation	NOUN
ajoaa-2080	202	41	.	.	PUNCT
ajoaa-2080	203	1	according	accord	VERB
ajoaa-2080	203	2	to	to	ADP
ajoaa-2080	203	3	gebremedhin	gebremedhin	PROPN
ajoaa-2080	203	4	(	(	PUNCT
ajoaa-2080	203	5	2010	2010	NUM
ajoaa-2080	203	6	)	)	PUNCT
ajoaa-2080	203	7	,	,	PUNCT
ajoaa-2080	203	8	in	in	ADP
ajoaa-2080	203	9	ascertaining	ascertain	VERB
ajoaa-2080	203	10	borrower	borrower	NOUN
ajoaa-2080	203	11	character	character	NOUN
ajoaa-2080	203	12	,	,	PUNCT
ajoaa-2080	203	13	lenders	lender	NOUN
ajoaa-2080	203	14	need	need	VERB
ajoaa-2080	203	15	to	to	PART
ajoaa-2080	203	16	know	know	VERB
ajoaa-2080	203	17	the	the	DET
ajoaa-2080	203	18	personal	personal	ADJ
ajoaa-2080	203	19	reputation	reputation	NOUN
ajoaa-2080	203	20	of	of	ADP
ajoaa-2080	203	21	the	the	DET
ajoaa-2080	203	22	borrowers	borrower	NOUN
ajoaa-2080	203	23	and	and	CCONJ
ajoaa-2080	203	24	their	their	PRON
ajoaa-2080	203	25	attitude	attitude	NOUN
ajoaa-2080	203	26	towards	towards	ADP
ajoaa-2080	203	27	financial	financial	ADJ
ajoaa-2080	203	28	obligations	obligation	NOUN
ajoaa-2080	203	29	.	.	PUNCT
ajoaa-2080	204	1	this	this	DET
ajoaa-2080	204	2	lending	lending	NOUN
ajoaa-2080	204	3	requirement	requirement	NOUN
ajoaa-2080	204	4	,	,	PUNCT
ajoaa-2080	204	5	which	which	PRON
ajoaa-2080	204	6	is	be	AUX
ajoaa-2080	204	7	directly	directly	ADV
ajoaa-2080	204	8	linked	link	VERB
ajoaa-2080	204	9	to	to	ADP
ajoaa-2080	204	10	the	the	DET
ajoaa-2080	204	11	character	character	NOUN
ajoaa-2080	204	12	of	of	ADP
ajoaa-2080	204	13	the	the	DET
ajoaa-2080	204	14	borrower	borrower	NOUN
ajoaa-2080	204	15	,	,	PUNCT
ajoaa-2080	204	16	also	also	ADV
ajoaa-2080	204	17	confirms	confirm	VERB
ajoaa-2080	204	18	the	the	DET
ajoaa-2080	204	19	application	application	NOUN
ajoaa-2080	204	20	of	of	ADP
ajoaa-2080	204	21	the	the	DET
ajoaa-2080	204	22	campari	campari	ADJ
ajoaa-2080	204	23	model	model	NOUN
ajoaa-2080	204	24	in	in	ADP
ajoaa-2080	204	25	local	local	ADJ
ajoaa-2080	204	26	commercial	commercial	ADJ
ajoaa-2080	204	27	banks	bank	NOUN
ajoaa-2080	204	28	.	.	PUNCT
ajoaa-2080	205	1	3.13	3.13	NUM
ajoaa-2080	205	2	.	.	PUNCT
ajoaa-2080	206	1	age	age	NOUN
ajoaa-2080	206	2	age	age	NOUN
ajoaa-2080	206	3	also	also	ADV
ajoaa-2080	206	4	scored	score	VERB
ajoaa-2080	206	5	a	a	DET
ajoaa-2080	206	6	high	high	ADJ
ajoaa-2080	206	7	rii	rii	NOUN
ajoaa-2080	206	8	of	of	ADP
ajoaa-2080	206	9	0.83	0.83	NUM
ajoaa-2080	206	10	(	(	PUNCT
ajoaa-2080	206	11	table	table	NOUN
ajoaa-2080	206	12	1	1	NUM
ajoaa-2080	206	13	)	)	PUNCT
ajoaa-2080	206	14	.	.	PUNCT
ajoaa-2080	207	1	five	five	NUM
ajoaa-2080	207	2	commercial	commercial	ADJ
ajoaa-2080	207	3	banks	bank	NOUN
ajoaa-2080	207	4	always	always	ADV
ajoaa-2080	207	5	considered	consider	VERB
ajoaa-2080	207	6	it	it	PRON
ajoaa-2080	207	7	,	,	PUNCT
ajoaa-2080	207	8	while	while	SCONJ
ajoaa-2080	207	9	two	two	NUM
ajoaa-2080	207	10	banks	bank	NOUN
ajoaa-2080	207	11	sometimes	sometimes	ADV
ajoaa-2080	207	12	considered	consider	VERB
ajoaa-2080	207	13	it	it	PRON
ajoaa-2080	207	14	in	in	ADP
ajoaa-2080	207	15	assessing	assess	VERB
ajoaa-2080	207	16	agricultural	agricultural	ADJ
ajoaa-2080	207	17	loan	loan	NOUN
ajoaa-2080	207	18	applications	application	NOUN
ajoaa-2080	207	19	.	.	PUNCT
ajoaa-2080	208	1	however	however	ADV
ajoaa-2080	208	2	,	,	PUNCT
ajoaa-2080	208	3	only	only	ADV
ajoaa-2080	208	4	one	one	NUM
ajoaa-2080	208	5	bank	bank	NOUN
ajoaa-2080	208	6	never	never	ADV
ajoaa-2080	208	7	considered	consider	VERB
ajoaa-2080	208	8	age	age	NOUN
ajoaa-2080	208	9	in	in	ADP
ajoaa-2080	208	10	its	its	PRON
ajoaa-2080	208	11	assessment	assessment	NOUN
ajoaa-2080	208	12	of	of	ADP
ajoaa-2080	208	13	farmer	farmer	NOUN
ajoaa-2080	208	14	loan	loan	NOUN
ajoaa-2080	208	15	applications	application	NOUN
ajoaa-2080	208	16	.	.	PUNCT
ajoaa-2080	209	1	figure	figure	VERB
ajoaa-2080	209	2	3	3	NUM
ajoaa-2080	209	3	:	:	PUNCT
ajoaa-2080	209	4	word	word	NOUN
ajoaa-2080	209	5	tree	tree	NOUN
ajoaa-2080	209	6	output	output	NOUN
ajoaa-2080	209	7	for	for	ADP
ajoaa-2080	209	8	the	the	DET
ajoaa-2080	209	9	word	word	NOUN
ajoaa-2080	209	10	‘	'	PUNCT
ajoaa-2080	209	11	age	age	NOUN
ajoaa-2080	209	12	’	'	PUNCT
ajoaa-2080	209	13	source	source	NOUN
ajoaa-2080	209	14	:	:	PUNCT
ajoaa-2080	209	15	primary	primary	ADJ
ajoaa-2080	209	16	data	data	PROPN
ajoaa-2080	209	17	,	,	PUNCT
ajoaa-2080	209	18	2019	2019	NUM
ajoaa-2080	209	19	cb2	cb2	NOUN
ajoaa-2080	209	20	revealed	reveal	VERB
ajoaa-2080	209	21	that	that	SCONJ
ajoaa-2080	209	22	it	it	PRON
ajoaa-2080	209	23	accepted	accept	VERB
ajoaa-2080	209	24	farmers	farmer	NOUN
ajoaa-2080	209	25	ages	age	NOUN
ajoaa-2080	209	26	between	between	ADP
ajoaa-2080	209	27	25	25	NUM
ajoaa-2080	209	28	to	to	PART
ajoaa-2080	209	29	80	80	NUM
ajoaa-2080	209	30	years	year	NOUN
ajoaa-2080	209	31	,	,	PUNCT
ajoaa-2080	209	32	while	while	SCONJ
ajoaa-2080	209	33	cb7	cb7	NOUN
ajoaa-2080	209	34	expressed	express	VERB
ajoaa-2080	209	35	no	no	DET
ajoaa-2080	209	36	desire	desire	NOUN
ajoaa-2080	209	37	to	to	PART
ajoaa-2080	209	38	deal	deal	VERB
ajoaa-2080	209	39	with	with	ADP
ajoaa-2080	209	40	farmers	farmer	NOUN
ajoaa-2080	209	41	beyond	beyond	ADP
ajoaa-2080	209	42	the	the	DET
ajoaa-2080	209	43	age	age	NOUN
ajoaa-2080	209	44	of	of	ADP
ajoaa-2080	209	45	65	65	NUM
ajoaa-2080	209	46	favouring	favour	VERB
ajoaa-2080	209	47	a	a	DET
ajoaa-2080	209	48	mature	mature	ADJ
ajoaa-2080	209	49	25	25	NUM
ajoaa-2080	209	50	-	-	SYM
ajoaa-2080	209	51	50	50	NUM
ajoaa-2080	209	52	-	-	PUNCT
ajoaa-2080	209	53	year	year	NOUN
ajoaa-2080	209	54	range	range	NOUN
ajoaa-2080	209	55	(	(	PUNCT
ajoaa-2080	209	56	figure	figure	NOUN
ajoaa-2080	209	57	3	3	NUM
ajoaa-2080	209	58	)	)	PUNCT
ajoaa-2080	209	59	.	.	PUNCT
ajoaa-2080	210	1	cb4	cb4	PROPN
ajoaa-2080	210	2	did	do	AUX
ajoaa-2080	210	3	not	not	PART
ajoaa-2080	210	4	specify	specify	VERB
ajoaa-2080	210	5	its	its	PRON
ajoaa-2080	210	6	preferred	preferred	ADJ
ajoaa-2080	210	7	age	age	NOUN
ajoaa-2080	210	8	group	group	NOUN
ajoaa-2080	210	9	but	but	CCONJ
ajoaa-2080	210	10	highlighted	highlight	VERB
ajoaa-2080	210	11	that	that	SCONJ
ajoaa-2080	210	12	old	old	ADJ
ajoaa-2080	210	13	age	age	NOUN
ajoaa-2080	210	14	was	be	AUX
ajoaa-2080	210	15	a	a	DET
ajoaa-2080	210	16	barrier	barrier	NOUN
ajoaa-2080	210	17	to	to	ADP
ajoaa-2080	210	18	credit	credit	NOUN
ajoaa-2080	210	19	access	access	NOUN
ajoaa-2080	210	20	among	among	ADP
ajoaa-2080	210	21	prospective	prospective	ADJ
ajoaa-2080	210	22	farmer	farmer	NOUN
ajoaa-2080	210	23	borrowers	borrower	NOUN
ajoaa-2080	210	24	.	.	PUNCT
ajoaa-2080	211	1	on	on	ADP
ajoaa-2080	211	2	the	the	DET
ajoaa-2080	211	3	other	other	ADJ
ajoaa-2080	211	4	hand	hand	NOUN
ajoaa-2080	211	5	,	,	PUNCT
ajoaa-2080	211	6	cb8	cb8	PROPN
ajoaa-2080	211	7	underlined	underline	VERB
ajoaa-2080	211	8	that	that	SCONJ
ajoaa-2080	211	9	if	if	SCONJ
ajoaa-2080	211	10	an	an	DET
ajoaa-2080	211	11	old	old	ADJ
ajoaa-2080	211	12	farmer	farmer	NOUN
ajoaa-2080	211	13	makes	make	VERB
ajoaa-2080	211	14	a	a	DET
ajoaa-2080	211	15	credit	credit	NOUN
ajoaa-2080	211	16	application	application	NOUN
ajoaa-2080	211	17	,	,	PUNCT
ajoaa-2080	211	18	he	he	PRON
ajoaa-2080	211	19	/	/	SYM
ajoaa-2080	211	20	she	she	PRON
ajoaa-2080	211	21	should	should	AUX
ajoaa-2080	211	22	at	at	ADV
ajoaa-2080	211	23	least	least	ADJ
ajoaa-2080	211	24	furnish	furnish	VERB
ajoaa-2080	211	25	the	the	DET
ajoaa-2080	211	26	bank	bank	NOUN
ajoaa-2080	211	27	with	with	ADP
ajoaa-2080	211	28	a	a	DET
ajoaa-2080	211	29	convincing	convincing	ADJ
ajoaa-2080	211	30	succession	succession	NOUN
ajoaa-2080	211	31	plan	plan	NOUN
ajoaa-2080	211	32	.	.	PUNCT
ajoaa-2080	212	1	empirical	empirical	ADJ
ajoaa-2080	212	2	evidence	evidence	NOUN
ajoaa-2080	212	3	from	from	ADP
ajoaa-2080	212	4	ethiopia	ethiopia	PROPN
ajoaa-2080	212	5	availed	avail	VERB
ajoaa-2080	212	6	by	by	ADP
ajoaa-2080	212	7	mukasa	mukasa	PROPN
ajoaa-2080	212	8	et	et	PROPN
ajoaa-2080	212	9	al	al	PROPN
ajoaa-2080	212	10	.	.	PROPN
ajoaa-2080	213	1	(	(	PUNCT
ajoaa-2080	213	2	2017	2017	NUM
ajoaa-2080	213	3	)	)	PUNCT
ajoaa-2080	213	4	equally	equally	ADV
ajoaa-2080	213	5	established	establish	VERB
ajoaa-2080	213	6	that	that	SCONJ
ajoaa-2080	213	7	older	old	ADJ
ajoaa-2080	213	8	loan	loan	NOUN
ajoaa-2080	213	9	applicants	applicant	NOUN
ajoaa-2080	213	10	were	be	AUX
ajoaa-2080	213	11	perceived	perceive	VERB
ajoaa-2080	213	12	as	as	ADP
ajoaa-2080	213	13	most	most	ADV
ajoaa-2080	213	14	likely	likely	ADJ
ajoaa-2080	213	15	to	to	PART
ajoaa-2080	213	16	default	default	VERB
ajoaa-2080	213	17	than	than	ADP
ajoaa-2080	213	18	younger	young	ADJ
ajoaa-2080	213	19	ones	one	NOUN
ajoaa-2080	213	20	because	because	SCONJ
ajoaa-2080	213	21	of	of	ADP
ajoaa-2080	213	22	their	their	PRON
ajoaa-2080	213	23	higher	high	ADJ
ajoaa-2080	213	24	risk	risk	NOUN
ajoaa-2080	213	25	of	of	ADP
ajoaa-2080	213	26	premature	premature	ADJ
ajoaa-2080	213	27	death	death	NOUN
ajoaa-2080	213	28	and	and	CCONJ
ajoaa-2080	213	29	other	other	ADJ
ajoaa-2080	213	30	recurring	recur	VERB
ajoaa-2080	213	31	age	age	NOUN
ajoaa-2080	213	32	-	-	PUNCT
ajoaa-2080	213	33	related	relate	VERB
ajoaa-2080	213	34	health	health	NOUN
ajoaa-2080	213	35	complications	complication	NOUN
ajoaa-2080	213	36	that	that	PRON
ajoaa-2080	213	37	could	could	AUX
ajoaa-2080	213	38	considerably	considerably	ADV
ajoaa-2080	213	39	undermine	undermine	VERB
ajoaa-2080	213	40	their	their	PRON
ajoaa-2080	213	41	ability	ability	NOUN
ajoaa-2080	213	42	to	to	PART
ajoaa-2080	213	43	generate	generate	VERB
ajoaa-2080	213	44	revenues	revenue	NOUN
ajoaa-2080	213	45	for	for	ADP
ajoaa-2080	213	46	repaying	repay	VERB
ajoaa-2080	213	47	credit	credit	NOUN
ajoaa-2080	213	48	.	.	PUNCT
ajoaa-2080	214	1	age	age	NOUN
ajoaa-2080	214	2	falls	fall	VERB
ajoaa-2080	214	3	under	under	ADP
ajoaa-2080	214	4	the	the	DET
ajoaa-2080	214	5	ability	ability	NOUN
ajoaa-2080	214	6	and	and	CCONJ
ajoaa-2080	214	7	repayment	repayment	NOUN
ajoaa-2080	214	8	component	component	NOUN
ajoaa-2080	214	9	of	of	ADP
ajoaa-2080	214	10	the	the	DET
ajoaa-2080	214	11	campari	campari	ADJ
ajoaa-2080	214	12	model	model	NOUN
ajoaa-2080	214	13	.	.	PUNCT
ajoaa-2080	215	1	its	its	PRON
ajoaa-2080	215	2	requirement	requirement	NOUN
ajoaa-2080	215	3	by	by	ADP
ajoaa-2080	215	4	the	the	DET
ajoaa-2080	215	5	majority	majority	NOUN
ajoaa-2080	215	6	of	of	ADP
ajoaa-2080	215	7	the	the	DET
ajoaa-2080	215	8	commercial	commercial	ADJ
ajoaa-2080	215	9	banks	bank	NOUN
ajoaa-2080	215	10	in	in	ADP
ajoaa-2080	215	11	zimbabwe	zimbabwe	NOUN
ajoaa-2080	215	12	also	also	ADV
ajoaa-2080	215	13	validates	validate	VERB
ajoaa-2080	215	14	the	the	DET
ajoaa-2080	215	15	applicability	applicability	NOUN
ajoaa-2080	215	16	of	of	ADP
ajoaa-2080	215	17	the	the	DET
ajoaa-2080	215	18	campari	campari	ADJ
ajoaa-2080	215	19	model	model	NOUN
ajoaa-2080	215	20	in	in	ADP
ajoaa-2080	215	21	agricultural	agricultural	ADJ
ajoaa-2080	215	22	lending	lending	NOUN
ajoaa-2080	215	23	in	in	ADP
ajoaa-2080	215	24	the	the	DET
ajoaa-2080	215	25	country	country	NOUN
ajoaa-2080	215	26	.	.	PUNCT
ajoaa-2080	216	1	3.14	3.14	NUM
ajoaa-2080	216	2	.	.	PUNCT
ajoaa-2080	216	3	high	high	ADJ
ajoaa-2080	216	4	to	to	ADP
ajoaa-2080	216	5	medium	medium	ADJ
ajoaa-2080	216	6	importance	importance	NOUN
ajoaa-2080	216	7	requirements	requirement	NOUN
ajoaa-2080	216	8	lending	lending	NOUN
ajoaa-2080	216	9	requirements	requirement	NOUN
ajoaa-2080	216	10	whose	whose	DET
ajoaa-2080	216	11	rii	rii	NOUN
ajoaa-2080	216	12	fell	fall	VERB
ajoaa-2080	216	13	within	within	ADP
ajoaa-2080	216	14	the	the	DET
ajoaa-2080	216	15	high	high	ADJ
ajoaa-2080	216	16	to	to	PART
ajoaa-2080	216	17	medium	medium	ADJ
ajoaa-2080	216	18	importance	importance	NOUN
ajoaa-2080	216	19	range	range	NOUN
ajoaa-2080	216	20	included	include	VERB
ajoaa-2080	216	21	agricultural	agricultural	ADJ
ajoaa-2080	216	22	extension	extension	NOUN
ajoaa-2080	216	23	support	support	NOUN
ajoaa-2080	216	24	,	,	PUNCT
ajoaa-2080	216	25	business	business	NOUN
ajoaa-2080	216	26	management	management	NOUN
ajoaa-2080	216	27	qualifications	qualification	NOUN
ajoaa-2080	216	28	,	,	PUNCT
ajoaa-2080	216	29	skills	skill	NOUN
ajoaa-2080	216	30	and	and	CCONJ
ajoaa-2080	216	31	experience	experience	NOUN
ajoaa-2080	216	32	,	,	PUNCT
ajoaa-2080	216	33	bank	bank	NOUN
ajoaa-2080	216	34	account	account	NOUN
ajoaa-2080	216	35	ownership	ownership	NOUN
ajoaa-2080	216	36	,	,	PUNCT
ajoaa-2080	216	37	own	own	ADJ
ajoaa-2080	216	38	contribution	contribution	NOUN
ajoaa-2080	216	39	to	to	ADP
ajoaa-2080	216	40	the	the	DET
ajoaa-2080	216	41	loan	loan	NOUN
ajoaa-2080	216	42	requested	request	VERB
ajoaa-2080	216	43	and	and	CCONJ
ajoaa-2080	216	44	personal	personal	ADJ
ajoaa-2080	216	45	savings	saving	NOUN
ajoaa-2080	216	46	with	with	ADP
ajoaa-2080	216	47	a	a	DET
ajoaa-2080	216	48	bank	bank	NOUN
ajoaa-2080	216	49	.	.	PUNCT
ajoaa-2080	217	1	these	these	DET
ajoaa-2080	217	2	lending	lending	NOUN
ajoaa-2080	217	3	requirements	requirement	NOUN
ajoaa-2080	217	4	are	be	AUX
ajoaa-2080	217	5	discussed	discuss	VERB
ajoaa-2080	217	6	in	in	ADP
ajoaa-2080	217	7	detail	detail	NOUN
ajoaa-2080	217	8	below	below	ADV
ajoaa-2080	217	9	.	.	PUNCT
ajoaa-2080	218	1	3.15	3.15	NUM
ajoaa-2080	218	2	.	.	PUNCT
ajoaa-2080	218	3	extension	extension	NOUN
ajoaa-2080	218	4	support	support	VERB
ajoaa-2080	218	5	the	the	DET
ajoaa-2080	218	6	lending	lending	NOUN
ajoaa-2080	218	7	requirement	requirement	NOUN
ajoaa-2080	218	8	for	for	ADP
ajoaa-2080	218	9	agricultural	agricultural	ADJ
ajoaa-2080	218	10	extension	extension	NOUN
ajoaa-2080	218	11	support	support	NOUN
ajoaa-2080	218	12	in	in	ADP
ajoaa-2080	218	13	the	the	DET
ajoaa-2080	218	14	farm	farm	NOUN
ajoaa-2080	218	15	seeking	seek	VERB
ajoaa-2080	218	16	a	a	DET
ajoaa-2080	218	17	loan	loan	NOUN
ajoaa-2080	218	18	was	be	AUX
ajoaa-2080	218	19	always	always	ADV
ajoaa-2080	218	20	considered	consider	VERB
ajoaa-2080	218	21	by	by	ADP
ajoaa-2080	218	22	exactly	exactly	ADV
ajoaa-2080	218	23	half	half	NOUN
ajoaa-2080	218	24	(	(	PUNCT
ajoaa-2080	218	25	4	4	NUM
ajoaa-2080	218	26	)	)	PUNCT
ajoaa-2080	218	27	of	of	ADP
ajoaa-2080	218	28	the	the	DET
ajoaa-2080	218	29	commercial	commercial	ADJ
ajoaa-2080	218	30	banks	bank	NOUN
ajoaa-2080	218	31	,	,	PUNCT
ajoaa-2080	218	32	sometimes	sometimes	ADV
ajoaa-2080	218	33	considered	consider	VERB
ajoaa-2080	218	34	by	by	ADP
ajoaa-2080	218	35	three	three	NUM
ajoaa-2080	218	36	and	and	CCONJ
ajoaa-2080	218	37	never	never	ADV
ajoaa-2080	218	38	considered	consider	VERB
ajoaa-2080	218	39	by	by	ADP
ajoaa-2080	218	40	1	1	NUM
ajoaa-2080	218	41	.	.	PUNCT
ajoaa-2080	219	1	the	the	DET
ajoaa-2080	219	2	lending	lending	NOUN
ajoaa-2080	219	3	requirement	requirement	NOUN
ajoaa-2080	219	4	scored	score	VERB
ajoaa-2080	219	5	an	an	DET
ajoaa-2080	219	6	rii	rii	NOUN
ajoaa-2080	219	7	of	of	ADP
ajoaa-2080	219	8	0.79	0.79	NUM
ajoaa-2080	219	9	,	,	PUNCT
ajoaa-2080	219	10	which	which	PRON
ajoaa-2080	219	11	fell	fall	VERB
ajoaa-2080	219	12	within	within	ADP
ajoaa-2080	219	13	the	the	DET
ajoaa-2080	219	14	high	high	ADJ
ajoaa-2080	219	15	to	to	PART
ajoaa-2080	219	16	medium	medium	ADJ
ajoaa-2080	219	17	importance	importance	NOUN
ajoaa-2080	219	18	category	category	NOUN
ajoaa-2080	219	19	(	(	PUNCT
ajoaa-2080	219	20	table	table	NOUN
ajoaa-2080	219	21	1	1	NUM
ajoaa-2080	219	22	)	)	PUNCT
ajoaa-2080	219	23	.	.	PUNCT
ajoaa-2080	220	1	according	accord	VERB
ajoaa-2080	220	2	to	to	ADP
ajoaa-2080	220	3	the	the	DET
ajoaa-2080	220	4	banks	bank	NOUN
ajoaa-2080	220	5	that	that	PRON
ajoaa-2080	220	6	always	always	ADV
ajoaa-2080	220	7	considered	consider	VERB
ajoaa-2080	220	8	this	this	DET
ajoaa-2080	220	9	condition	condition	NOUN
ajoaa-2080	220	10	in	in	ADP
ajoaa-2080	220	11	agricultural	agricultural	ADJ
ajoaa-2080	220	12	lending	lending	NOUN
ajoaa-2080	220	13	,	,	PUNCT
ajoaa-2080	220	14	extension	extension	NOUN
ajoaa-2080	220	15	support	support	NOUN
ajoaa-2080	220	16	enhanced	enhance	VERB
ajoaa-2080	220	17	the	the	DET
ajoaa-2080	220	18	farmers	farmer	NOUN
ajoaa-2080	220	19	'	'	PART
ajoaa-2080	220	20	knowledge	knowledge	NOUN
ajoaa-2080	220	21	of	of	ADP
ajoaa-2080	220	22	agricultural	agricultural	ADJ
ajoaa-2080	220	23	production	production	NOUN
ajoaa-2080	220	24	,	,	PUNCT
ajoaa-2080	220	25	which	which	PRON
ajoaa-2080	220	26	helped	help	VERB
ajoaa-2080	220	27	them	they	PRON
ajoaa-2080	220	28	to	to	PART
ajoaa-2080	220	29	enhance	enhance	VERB
ajoaa-2080	220	30	their	their	PRON
ajoaa-2080	220	31	yield	yield	NOUN
ajoaa-2080	220	32	,	,	PUNCT
ajoaa-2080	220	33	income	income	NOUN
ajoaa-2080	220	34	and	and	CCONJ
ajoaa-2080	220	35	loan	loan	NOUN
ajoaa-2080	220	36	repayment	repayment	NOUN
ajoaa-2080	220	37	asian	asian	ADJ
ajoaa-2080	220	38	journal	journal	NOUN
ajoaa-2080	220	39	of	of	ADP
ajoaa-2080	220	40	agriculture	agriculture	NOUN
ajoaa-2080	220	41	and	and	CCONJ
ajoaa-2080	220	42	rural	rural	ADJ
ajoaa-2080	220	43	development	development	NOUN
ajoaa-2080	220	44	,	,	PUNCT
ajoaa-2080	220	45	10(2)2020	10(2)2020	NUM
ajoaa-2080	220	46	:	:	PUNCT
ajoaa-2080	220	47	628	628	NUM
ajoaa-2080	220	48	-	-	SYM
ajoaa-2080	220	49	644	644	NUM
ajoaa-2080	220	50	638	638	NUM
ajoaa-2080	220	51	ability	ability	NOUN
ajoaa-2080	220	52	.	.	PUNCT
ajoaa-2080	221	1	it	it	PRON
ajoaa-2080	221	2	is	be	AUX
ajoaa-2080	221	3	supported	support	VERB
ajoaa-2080	221	4	by	by	ADP
ajoaa-2080	221	5	djoumessi	djoumessi	PROPN
ajoaa-2080	221	6	et	et	PROPN
ajoaa-2080	221	7	al	al	PROPN
ajoaa-2080	221	8	.	.	PROPN
ajoaa-2080	222	1	(	(	PUNCT
ajoaa-2080	222	2	2018	2018	NUM
ajoaa-2080	222	3	)	)	PUNCT
ajoaa-2080	222	4	's	's	PART
ajoaa-2080	222	5	study	study	NOUN
ajoaa-2080	222	6	in	in	ADP
ajoaa-2080	222	7	cameroon	cameroon	PROPN
ajoaa-2080	222	8	,	,	PUNCT
ajoaa-2080	222	9	where	where	SCONJ
ajoaa-2080	222	10	banks	bank	NOUN
ajoaa-2080	222	11	preferred	prefer	VERB
ajoaa-2080	222	12	farmers	farmer	NOUN
ajoaa-2080	222	13	with	with	ADP
ajoaa-2080	222	14	higher	high	ADJ
ajoaa-2080	222	15	extension	extension	NOUN
ajoaa-2080	222	16	contact	contact	NOUN
ajoaa-2080	222	17	to	to	ADP
ajoaa-2080	222	18	those	those	PRON
ajoaa-2080	222	19	who	who	PRON
ajoaa-2080	222	20	had	have	VERB
ajoaa-2080	222	21	less	less	ADJ
ajoaa-2080	222	22	frequent	frequent	ADJ
ajoaa-2080	222	23	extension	extension	NOUN
ajoaa-2080	222	24	contact	contact	NOUN
ajoaa-2080	222	25	.	.	PUNCT
ajoaa-2080	223	1	tetteh	tetteh	NOUN
ajoaa-2080	223	2	et	et	PROPN
ajoaa-2080	223	3	al	al	PROPN
ajoaa-2080	223	4	.	.	PROPN
ajoaa-2080	224	1	(	(	PUNCT
ajoaa-2080	224	2	2015	2015	NUM
ajoaa-2080	224	3	)	)	PUNCT
ajoaa-2080	224	4	and	and	CCONJ
ajoaa-2080	224	5	kiplimo	kiplimo	PROPN
ajoaa-2080	224	6	(	(	PUNCT
ajoaa-2080	224	7	2015	2015	NUM
ajoaa-2080	224	8	)	)	PUNCT
ajoaa-2080	224	9	's	's	PART
ajoaa-2080	224	10	studies	study	NOUN
ajoaa-2080	224	11	in	in	ADP
ajoaa-2080	224	12	northern	northern	ADJ
ajoaa-2080	224	13	ghana	ghana	PROPN
ajoaa-2080	224	14	and	and	CCONJ
ajoaa-2080	224	15	kenya	kenya	PROPN
ajoaa-2080	224	16	respectively	respectively	ADV
ajoaa-2080	224	17	also	also	ADV
ajoaa-2080	224	18	established	establish	VERB
ajoaa-2080	224	19	higher	high	ADJ
ajoaa-2080	224	20	credit	credit	NOUN
ajoaa-2080	224	21	access	access	NOUN
ajoaa-2080	224	22	among	among	ADP
ajoaa-2080	224	23	farmers	farmer	NOUN
ajoaa-2080	224	24	who	who	PRON
ajoaa-2080	224	25	received	receive	VERB
ajoaa-2080	224	26	agricultural	agricultural	ADJ
ajoaa-2080	224	27	extension	extension	NOUN
ajoaa-2080	224	28	services	service	NOUN
ajoaa-2080	224	29	.	.	PUNCT
ajoaa-2080	225	1	cb8	cb8	PROPN
ajoaa-2080	225	2	,	,	PUNCT
ajoaa-2080	225	3	which	which	PRON
ajoaa-2080	225	4	sometimes	sometimes	ADV
ajoaa-2080	225	5	considered	consider	VERB
ajoaa-2080	225	6	extension	extension	NOUN
ajoaa-2080	225	7	support	support	NOUN
ajoaa-2080	225	8	when	when	SCONJ
ajoaa-2080	225	9	lending	lend	VERB
ajoaa-2080	225	10	to	to	ADP
ajoaa-2080	225	11	farmers	farmer	NOUN
ajoaa-2080	225	12	,	,	PUNCT
ajoaa-2080	225	13	highlighted	highlight	VERB
ajoaa-2080	225	14	that	that	SCONJ
ajoaa-2080	225	15	it	it	PRON
ajoaa-2080	225	16	was	be	AUX
ajoaa-2080	225	17	only	only	ADV
ajoaa-2080	225	18	strict	strict	ADJ
ajoaa-2080	225	19	about	about	ADP
ajoaa-2080	225	20	the	the	DET
ajoaa-2080	225	21	lending	lending	NOUN
ajoaa-2080	225	22	requirement	requirement	NOUN
ajoaa-2080	225	23	in	in	ADP
ajoaa-2080	225	24	value	value	NOUN
ajoaa-2080	225	25	chain	chain	NOUN
ajoaa-2080	225	26	financing	financing	NOUN
ajoaa-2080	225	27	(	(	PUNCT
ajoaa-2080	225	28	vcf	vcf	NOUN
ajoaa-2080	225	29	)	)	PUNCT
ajoaa-2080	225	30	,	,	PUNCT
ajoaa-2080	225	31	especially	especially	ADV
ajoaa-2080	225	32	for	for	ADP
ajoaa-2080	225	33	export	export	NOUN
ajoaa-2080	225	34	markets	market	NOUN
ajoaa-2080	225	35	production	production	NOUN
ajoaa-2080	225	36	where	where	SCONJ
ajoaa-2080	225	37	strict	strict	ADJ
ajoaa-2080	225	38	specifications	specification	NOUN
ajoaa-2080	225	39	like	like	ADP
ajoaa-2080	225	40	product	product	NOUN
ajoaa-2080	225	41	weight	weight	NOUN
ajoaa-2080	225	42	,	,	PUNCT
ajoaa-2080	225	43	moisture	moisture	NOUN
ajoaa-2080	225	44	content	content	NOUN
ajoaa-2080	225	45	or	or	CCONJ
ajoaa-2080	225	46	organic	organic	ADJ
ajoaa-2080	225	47	products	product	NOUN
ajoaa-2080	225	48	had	have	VERB
ajoaa-2080	225	49	to	to	PART
ajoaa-2080	225	50	be	be	AUX
ajoaa-2080	225	51	met	meet	VERB
ajoaa-2080	225	52	.	.	PUNCT
ajoaa-2080	226	1	3.16	3.16	NUM
ajoaa-2080	226	2	.	.	PUNCT
ajoaa-2080	227	1	business	business	NOUN
ajoaa-2080	227	2	management	management	NOUN
ajoaa-2080	227	3	qualifications	qualification	NOUN
ajoaa-2080	227	4	,	,	PUNCT
ajoaa-2080	227	5	skills	skill	NOUN
ajoaa-2080	227	6	and	and	CCONJ
ajoaa-2080	227	7	experience	experience	VERB
ajoaa-2080	227	8	the	the	DET
ajoaa-2080	227	9	requirement	requirement	NOUN
ajoaa-2080	227	10	for	for	SCONJ
ajoaa-2080	227	11	a	a	DET
ajoaa-2080	227	12	farmer	farmer	NOUN
ajoaa-2080	227	13	to	to	PART
ajoaa-2080	227	14	have	have	VERB
ajoaa-2080	227	15	business	business	NOUN
ajoaa-2080	227	16	management	management	NOUN
ajoaa-2080	227	17	skills	skill	NOUN
ajoaa-2080	227	18	,	,	PUNCT
ajoaa-2080	227	19	qualifications	qualification	NOUN
ajoaa-2080	227	20	and	and	CCONJ
ajoaa-2080	227	21	experience	experience	NOUN
ajoaa-2080	227	22	also	also	ADV
ajoaa-2080	227	23	scored	score	VERB
ajoaa-2080	227	24	an	an	DET
ajoaa-2080	227	25	rii	rii	NOUN
ajoaa-2080	227	26	of	of	ADP
ajoaa-2080	227	27	0.79	0.79	NUM
ajoaa-2080	227	28	(	(	PUNCT
ajoaa-2080	227	29	table	table	NOUN
ajoaa-2080	227	30	1	1	NUM
ajoaa-2080	227	31	)	)	PUNCT
ajoaa-2080	227	32	.	.	PUNCT
ajoaa-2080	228	1	similar	similar	ADJ
ajoaa-2080	228	2	to	to	ADP
ajoaa-2080	228	3	extension	extension	NOUN
ajoaa-2080	228	4	contact	contact	NOUN
ajoaa-2080	228	5	,	,	PUNCT
ajoaa-2080	228	6	4	4	NUM
ajoaa-2080	228	7	out	out	ADP
ajoaa-2080	228	8	of	of	ADP
ajoaa-2080	228	9	the	the	DET
ajoaa-2080	228	10	eight	eight	NUM
ajoaa-2080	228	11	commercial	commercial	ADJ
ajoaa-2080	228	12	banks	bank	NOUN
ajoaa-2080	228	13	always	always	ADV
ajoaa-2080	228	14	considered	consider	VERB
ajoaa-2080	228	15	them	they	PRON
ajoaa-2080	228	16	when	when	SCONJ
ajoaa-2080	228	17	lending	lend	VERB
ajoaa-2080	228	18	to	to	ADP
ajoaa-2080	228	19	farmers	farmer	NOUN
ajoaa-2080	228	20	,	,	PUNCT
ajoaa-2080	228	21	while	while	SCONJ
ajoaa-2080	228	22	three	three	NUM
ajoaa-2080	228	23	banks	bank	NOUN
ajoaa-2080	228	24	sometimes	sometimes	ADV
ajoaa-2080	228	25	considered	consider	VERB
ajoaa-2080	228	26	them	they	PRON
ajoaa-2080	228	27	.	.	PUNCT
ajoaa-2080	229	1	however	however	ADV
ajoaa-2080	229	2	,	,	PUNCT
ajoaa-2080	229	3	only	only	ADV
ajoaa-2080	229	4	one	one	NUM
ajoaa-2080	229	5	bank	bank	NOUN
ajoaa-2080	229	6	never	never	ADV
ajoaa-2080	229	7	considered	consider	VERB
ajoaa-2080	229	8	business	business	NOUN
ajoaa-2080	229	9	management	management	NOUN
ajoaa-2080	229	10	qualifications	qualification	NOUN
ajoaa-2080	229	11	,	,	PUNCT
ajoaa-2080	229	12	skills	skill	NOUN
ajoaa-2080	229	13	,	,	PUNCT
ajoaa-2080	229	14	and	and	CCONJ
ajoaa-2080	229	15	experience	experience	VERB
ajoaa-2080	229	16	it	it	PRON
ajoaa-2080	229	17	in	in	ADP
ajoaa-2080	229	18	its	its	PRON
ajoaa-2080	229	19	evaluation	evaluation	NOUN
ajoaa-2080	229	20	of	of	ADP
ajoaa-2080	229	21	farmer	farmer	NOUN
ajoaa-2080	229	22	loan	loan	NOUN
ajoaa-2080	229	23	applications	application	NOUN
ajoaa-2080	229	24	.	.	PUNCT
ajoaa-2080	230	1	figure	figure	VERB
ajoaa-2080	230	2	4	4	NUM
ajoaa-2080	230	3	:	:	PUNCT
ajoaa-2080	230	4	word	word	NOUN
ajoaa-2080	230	5	tree	tree	NOUN
ajoaa-2080	230	6	output	output	NOUN
ajoaa-2080	230	7	for	for	ADP
ajoaa-2080	230	8	business	business	NOUN
ajoaa-2080	230	9	management	management	NOUN
ajoaa-2080	230	10	skills	skill	NOUN
ajoaa-2080	230	11	source	source	NOUN
ajoaa-2080	230	12	:	:	PUNCT
ajoaa-2080	230	13	primary	primary	ADJ
ajoaa-2080	230	14	data	datum	NOUN
ajoaa-2080	230	15	,	,	PUNCT
ajoaa-2080	230	16	2019	2019	NUM
ajoaa-2080	230	17	cb4	cb4	PROPN
ajoaa-2080	230	18	indicated	indicate	VERB
ajoaa-2080	230	19	that	that	SCONJ
ajoaa-2080	230	20	business	business	NOUN
ajoaa-2080	230	21	management	management	NOUN
ajoaa-2080	230	22	skills	skill	NOUN
ajoaa-2080	230	23	were	be	AUX
ajoaa-2080	230	24	mandatory	mandatory	ADJ
ajoaa-2080	230	25	,	,	PUNCT
ajoaa-2080	230	26	and	and	CCONJ
ajoaa-2080	230	27	in	in	ADP
ajoaa-2080	230	28	their	their	PRON
ajoaa-2080	230	29	absence	absence	NOUN
ajoaa-2080	230	30	,	,	PUNCT
ajoaa-2080	230	31	a	a	DET
ajoaa-2080	230	32	farmer	farmer	NOUN
ajoaa-2080	230	33	could	could	AUX
ajoaa-2080	230	34	fill	fill	VERB
ajoaa-2080	230	35	the	the	DET
ajoaa-2080	230	36	gap	gap	NOUN
ajoaa-2080	230	37	by	by	ADP
ajoaa-2080	230	38	hiring	hire	VERB
ajoaa-2080	230	39	technically	technically	ADV
ajoaa-2080	230	40	competent	competent	ADJ
ajoaa-2080	230	41	employees	employee	NOUN
ajoaa-2080	230	42	.	.	PUNCT
ajoaa-2080	231	1	cb5	cb5	PROPN
ajoaa-2080	231	2	equally	equally	ADV
ajoaa-2080	231	3	highlighted	highlight	VERB
ajoaa-2080	231	4	that	that	SCONJ
ajoaa-2080	231	5	the	the	DET
ajoaa-2080	231	6	farmers	farmer	NOUN
ajoaa-2080	231	7	'	'	PART
ajoaa-2080	231	8	business	business	NOUN
ajoaa-2080	231	9	management	management	NOUN
ajoaa-2080	231	10	skills	skill	NOUN
ajoaa-2080	231	11	were	be	AUX
ajoaa-2080	231	12	not	not	PART
ajoaa-2080	231	13	always	always	ADV
ajoaa-2080	231	14	considered	consider	VERB
ajoaa-2080	231	15	if	if	SCONJ
ajoaa-2080	231	16	there	there	PRON
ajoaa-2080	231	17	was	be	VERB
ajoaa-2080	231	18	evidence	evidence	NOUN
ajoaa-2080	231	19	that	that	SCONJ
ajoaa-2080	231	20	their	their	PRON
ajoaa-2080	231	21	farming	farming	NOUN
ajoaa-2080	231	22	enterprises	enterprise	NOUN
ajoaa-2080	231	23	were	be	AUX
ajoaa-2080	231	24	well	well	ADV
ajoaa-2080	231	25	run	run	ADJ
ajoaa-2080	231	26	(	(	PUNCT
ajoaa-2080	231	27	figure	figure	NOUN
ajoaa-2080	231	28	4	4	NUM
ajoaa-2080	231	29	)	)	PUNCT
ajoaa-2080	231	30	.	.	PUNCT
ajoaa-2080	232	1	tetteh	tetteh	NOUN
ajoaa-2080	232	2	(	(	PUNCT
ajoaa-2080	232	3	2011	2011	NUM
ajoaa-2080	232	4	)	)	PUNCT
ajoaa-2080	232	5	confirms	confirm	VERB
ajoaa-2080	232	6	that	that	SCONJ
ajoaa-2080	232	7	banks	bank	NOUN
ajoaa-2080	232	8	look	look	VERB
ajoaa-2080	232	9	at	at	ADP
ajoaa-2080	232	10	the	the	DET
ajoaa-2080	232	11	evidence	evidence	NOUN
ajoaa-2080	232	12	of	of	ADP
ajoaa-2080	232	13	financial	financial	ADJ
ajoaa-2080	232	14	understanding	understanding	NOUN
ajoaa-2080	232	15	and	and	CCONJ
ajoaa-2080	232	16	aptitude	aptitude	NOUN
ajoaa-2080	232	17	in	in	ADP
ajoaa-2080	232	18	managing	manage	VERB
ajoaa-2080	232	19	financial	financial	ADJ
ajoaa-2080	232	20	affairs	affair	NOUN
ajoaa-2080	232	21	of	of	ADP
ajoaa-2080	232	22	the	the	DET
ajoaa-2080	232	23	business	business	NOUN
ajoaa-2080	232	24	in	in	ADP
ajoaa-2080	232	25	potential	potential	ADJ
ajoaa-2080	232	26	borrowers	borrower	NOUN
ajoaa-2080	232	27	.	.	PUNCT
ajoaa-2080	233	1	according	accord	VERB
ajoaa-2080	233	2	to	to	ADP
ajoaa-2080	233	3	feschijan	feschijan	NOUN
ajoaa-2080	233	4	(	(	PUNCT
ajoaa-2080	233	5	2008	2008	NUM
ajoaa-2080	233	6	)	)	PUNCT
ajoaa-2080	233	7	,	,	PUNCT
ajoaa-2080	233	8	the	the	DET
ajoaa-2080	233	9	banks	bank	NOUN
ajoaa-2080	233	10	'	'	PART
ajoaa-2080	233	11	believe	believe	VERB
ajoaa-2080	233	12	that	that	SCONJ
ajoaa-2080	233	13	borrower	borrower	NOUN
ajoaa-2080	233	14	profitability	profitability	NOUN
ajoaa-2080	233	15	is	be	AUX
ajoaa-2080	233	16	highly	highly	ADV
ajoaa-2080	233	17	dependent	dependent	ADJ
ajoaa-2080	233	18	on	on	ADP
ajoaa-2080	233	19	the	the	DET
ajoaa-2080	233	20	management	management	NOUN
ajoaa-2080	233	21	and	and	CCONJ
ajoaa-2080	233	22	staff	staff	NOUN
ajoaa-2080	233	23	qualifications	qualification	NOUN
ajoaa-2080	233	24	,	,	PUNCT
ajoaa-2080	233	25	professional	professional	ADJ
ajoaa-2080	233	26	qualities	quality	NOUN
ajoaa-2080	233	27	and	and	CCONJ
ajoaa-2080	233	28	competence	competence	NOUN
ajoaa-2080	233	29	.	.	PUNCT
ajoaa-2080	234	1	hence	hence	ADV
ajoaa-2080	234	2	its	its	PRON
ajoaa-2080	234	3	inclusion	inclusion	NOUN
ajoaa-2080	234	4	as	as	ADP
ajoaa-2080	234	5	a	a	DET
ajoaa-2080	234	6	crucial	crucial	ADJ
ajoaa-2080	234	7	lending	lending	NOUN
ajoaa-2080	234	8	requirement	requirement	NOUN
ajoaa-2080	234	9	as	as	SCONJ
ajoaa-2080	234	10	confirmed	confirm	VERB
ajoaa-2080	234	11	by	by	ADP
ajoaa-2080	234	12	this	this	DET
ajoaa-2080	234	13	study	study	NOUN
ajoaa-2080	234	14	.	.	PUNCT
ajoaa-2080	235	1	3.17	3.17	X
ajoaa-2080	235	2	.	.	PUNCT
ajoaa-2080	235	3	bank	bank	NOUN
ajoaa-2080	235	4	account	account	PROPN
ajoaa-2080	235	5	ownership	ownership	NOUN
ajoaa-2080	235	6	four	four	NUM
ajoaa-2080	235	7	banks	bank	NOUN
ajoaa-2080	235	8	always	always	ADV
ajoaa-2080	235	9	considered	consider	VERB
ajoaa-2080	235	10	bank	bank	NOUN
ajoaa-2080	235	11	account	account	NOUN
ajoaa-2080	235	12	ownership	ownership	NOUN
ajoaa-2080	235	13	with	with	ADP
ajoaa-2080	235	14	the	the	DET
ajoaa-2080	235	15	bank	bank	NOUN
ajoaa-2080	235	16	from	from	ADP
ajoaa-2080	235	17	where	where	SCONJ
ajoaa-2080	235	18	the	the	DET
ajoaa-2080	235	19	farmer	farmer	NOUN
ajoaa-2080	235	20	is	be	AUX
ajoaa-2080	235	21	seeking	seek	VERB
ajoaa-2080	235	22	bank	bank	NOUN
ajoaa-2080	235	23	credit	credit	NOUN
ajoaa-2080	235	24	,	,	PUNCT
ajoaa-2080	235	25	sometimes	sometimes	ADV
ajoaa-2080	235	26	considered	consider	VERB
ajoaa-2080	235	27	by	by	ADP
ajoaa-2080	235	28	three	three	NUM
ajoaa-2080	235	29	,	,	PUNCT
ajoaa-2080	235	30	and	and	CCONJ
ajoaa-2080	235	31	never	never	ADV
ajoaa-2080	235	32	considered	consider	VERB
ajoaa-2080	235	33	by	by	ADP
ajoaa-2080	235	34	1	1	NUM
ajoaa-2080	235	35	.	.	PUNCT
ajoaa-2080	236	1	this	this	DET
ajoaa-2080	236	2	lending	lending	NOUN
ajoaa-2080	236	3	condition	condition	NOUN
ajoaa-2080	236	4	scored	score	VERB
ajoaa-2080	236	5	an	an	DET
ajoaa-2080	236	6	rii	rii	ADJ
ajoaa-2080	236	7	score	score	NOUN
ajoaa-2080	236	8	of	of	ADP
ajoaa-2080	236	9	0.79	0.79	NUM
ajoaa-2080	236	10	,	,	PUNCT
ajoaa-2080	236	11	which	which	PRON
ajoaa-2080	236	12	also	also	ADV
ajoaa-2080	236	13	fell	fall	VERB
ajoaa-2080	236	14	within	within	ADP
ajoaa-2080	236	15	the	the	DET
ajoaa-2080	236	16	high	high	ADJ
ajoaa-2080	236	17	to	to	PART
ajoaa-2080	236	18	medium	medium	ADJ
ajoaa-2080	236	19	category	category	NOUN
ajoaa-2080	236	20	(	(	PUNCT
ajoaa-2080	236	21	table	table	NOUN
ajoaa-2080	236	22	1	1	NUM
ajoaa-2080	236	23	)	)	PUNCT
ajoaa-2080	236	24	.	.	PUNCT
ajoaa-2080	237	1	cb1	cb1	PROPN
ajoaa-2080	237	2	stressed	stress	VERB
ajoaa-2080	237	3	that	that	SCONJ
ajoaa-2080	237	4	bank	bank	NOUN
ajoaa-2080	237	5	account	account	NOUN
ajoaa-2080	237	6	ownership	ownership	NOUN
ajoaa-2080	237	7	by	by	ADP
ajoaa-2080	237	8	a	a	DET
ajoaa-2080	237	9	prospective	prospective	ADJ
ajoaa-2080	237	10	borrower	borrower	NOUN
ajoaa-2080	237	11	was	be	AUX
ajoaa-2080	237	12	a	a	DET
ajoaa-2080	237	13	must	must	NOUN
ajoaa-2080	237	14	,	,	PUNCT
ajoaa-2080	237	15	which	which	PRON
ajoaa-2080	237	16	prompted	prompt	VERB
ajoaa-2080	237	17	the	the	DET
ajoaa-2080	237	18	need	need	NOUN
ajoaa-2080	237	19	for	for	ADP
ajoaa-2080	237	20	account	account	NOUN
ajoaa-2080	237	21	opening	opening	NOUN
ajoaa-2080	237	22	.	.	PUNCT
ajoaa-2080	238	1	however	however	ADV
ajoaa-2080	238	2	,	,	PUNCT
ajoaa-2080	238	3	other	other	ADJ
ajoaa-2080	238	4	commercial	commercial	ADJ
ajoaa-2080	238	5	banks	bank	NOUN
ajoaa-2080	238	6	that	that	PRON
ajoaa-2080	238	7	sometimes	sometimes	ADV
ajoaa-2080	238	8	or	or	CCONJ
ajoaa-2080	238	9	never	never	ADV
ajoaa-2080	238	10	considered	consider	VERB
ajoaa-2080	238	11	account	account	NOUN
ajoaa-2080	238	12	ownership	ownership	NOUN
ajoaa-2080	238	13	by	by	ADP
ajoaa-2080	238	14	a	a	DET
ajoaa-2080	238	15	farmer	farmer	NOUN
ajoaa-2080	238	16	highlighted	highlight	VERB
ajoaa-2080	238	17	that	that	SCONJ
ajoaa-2080	238	18	the	the	DET
ajoaa-2080	238	19	prospective	prospective	ADJ
ajoaa-2080	238	20	borrower	borrower	NOUN
ajoaa-2080	238	21	could	could	AUX
ajoaa-2080	238	22	always	always	ADV
ajoaa-2080	238	23	be	be	AUX
ajoaa-2080	238	24	requested	request	VERB
ajoaa-2080	238	25	to	to	PART
ajoaa-2080	238	26	open	open	VERB
ajoaa-2080	238	27	an	an	DET
ajoaa-2080	238	28	account	account	NOUN
ajoaa-2080	238	29	at	at	ADP
ajoaa-2080	238	30	the	the	DET
ajoaa-2080	238	31	point	point	NOUN
ajoaa-2080	238	32	of	of	ADP
ajoaa-2080	238	33	contact	contact	NOUN
ajoaa-2080	238	34	with	with	ADP
ajoaa-2080	238	35	the	the	DET
ajoaa-2080	238	36	bank	bank	NOUN
ajoaa-2080	238	37	.	.	PUNCT
ajoaa-2080	239	1	the	the	DET
ajoaa-2080	239	2	importance	importance	NOUN
ajoaa-2080	239	3	of	of	ADP
ajoaa-2080	239	4	owning	own	VERB
ajoaa-2080	239	5	a	a	DET
ajoaa-2080	239	6	bank	bank	NOUN
ajoaa-2080	239	7	account	account	NOUN
ajoaa-2080	239	8	by	by	ADP
ajoaa-2080	239	9	a	a	DET
ajoaa-2080	239	10	farmer	farmer	NOUN
ajoaa-2080	239	11	is	be	AUX
ajoaa-2080	239	12	articulated	articulate	VERB
ajoaa-2080	239	13	in	in	ADP
ajoaa-2080	239	14	the	the	DET
ajoaa-2080	239	15	study	study	NOUN
ajoaa-2080	239	16	of	of	ADP
ajoaa-2080	239	17	mohamed	mohamed	PROPN
ajoaa-2080	239	18	and	and	CCONJ
ajoaa-2080	239	19	temu	temu	PROPN
ajoaa-2080	239	20	(	(	PUNCT
ajoaa-2080	239	21	2008	2008	NUM
ajoaa-2080	239	22	)	)	PUNCT
ajoaa-2080	239	23	,	,	PUNCT
ajoaa-2080	239	24	which	which	PRON
ajoaa-2080	239	25	established	establish	VERB
ajoaa-2080	239	26	that	that	SCONJ
ajoaa-2080	239	27	it	it	PRON
ajoaa-2080	239	28	positively	positively	ADV
ajoaa-2080	239	29	influenced	influence	VERB
ajoaa-2080	239	30	farming	farming	NOUN
ajoaa-2080	239	31	households	household	NOUN
ajoaa-2080	239	32	'	'	PART
ajoaa-2080	239	33	access	access	NOUN
ajoaa-2080	239	34	to	to	ADP
ajoaa-2080	239	35	bank	bank	NOUN
ajoaa-2080	239	36	credit	credit	NOUN
ajoaa-2080	239	37	in	in	ADP
ajoaa-2080	239	38	zanzibar	zanzibar	NOUN
ajoaa-2080	239	39	.	.	PUNCT
ajoaa-2080	240	1	seyoum	seyoum	PROPN
ajoaa-2080	240	2	(	(	PUNCT
ajoaa-2080	240	3	2017	2017	NUM
ajoaa-2080	240	4	)	)	PUNCT
ajoaa-2080	240	5	also	also	ADV
ajoaa-2080	240	6	confirms	confirm	VERB
ajoaa-2080	240	7	that	that	SCONJ
ajoaa-2080	240	8	account	account	NOUN
ajoaa-2080	240	9	opening	opening	NOUN
ajoaa-2080	240	10	procedures	procedure	NOUN
ajoaa-2080	240	11	are	be	AUX
ajoaa-2080	240	12	done	do	VERB
ajoaa-2080	240	13	to	to	PART
ajoaa-2080	240	14	establish	establish	VERB
ajoaa-2080	240	15	that	that	SCONJ
ajoaa-2080	240	16	the	the	DET
ajoaa-2080	240	17	customer	customer	NOUN
ajoaa-2080	240	18	is	be	AUX
ajoaa-2080	240	19	honest	honest	ADJ
ajoaa-2080	240	20	and	and	CCONJ
ajoaa-2080	240	21	trustworthy	trustworthy	ADJ
ajoaa-2080	240	22	,	,	PUNCT
ajoaa-2080	240	23	especially	especially	ADV
ajoaa-2080	240	24	if	if	SCONJ
ajoaa-2080	240	25	the	the	DET
ajoaa-2080	240	26	customer	customer	NOUN
ajoaa-2080	240	27	wishes	wish	VERB
ajoaa-2080	240	28	to	to	PART
ajoaa-2080	240	29	borrow	borrow	VERB
ajoaa-2080	240	30	at	at	ADP
ajoaa-2080	240	31	a	a	DET
ajoaa-2080	240	32	later	later	ADJ
ajoaa-2080	240	33	stage	stage	NOUN
ajoaa-2080	240	34	.	.	PUNCT
ajoaa-2080	241	1	according	accord	VERB
ajoaa-2080	241	2	to	to	ADP
ajoaa-2080	241	3	feschijan	feschijan	NOUN
ajoaa-2080	241	4	(	(	PUNCT
ajoaa-2080	241	5	2008	2008	NUM
ajoaa-2080	241	6	)	)	PUNCT
ajoaa-2080	241	7	,	,	PUNCT
ajoaa-2080	241	8	the	the	DET
ajoaa-2080	241	9	analysis	analysis	NOUN
ajoaa-2080	241	10	of	of	ADP
ajoaa-2080	241	11	movements	movement	NOUN
ajoaa-2080	241	12	in	in	ADP
ajoaa-2080	241	13	the	the	DET
ajoaa-2080	241	14	bank	bank	NOUN
ajoaa-2080	241	15	accounts	account	NOUN
ajoaa-2080	241	16	of	of	ADP
ajoaa-2080	241	17	a	a	DET
ajoaa-2080	241	18	prospective	prospective	ADJ
ajoaa-2080	241	19	borrower	borrower	NOUN
ajoaa-2080	241	20	also	also	ADV
ajoaa-2080	241	21	furnishes	furnish	VERB
ajoaa-2080	241	22	the	the	DET
ajoaa-2080	241	23	bank	bank	NOUN
ajoaa-2080	241	24	with	with	ADP
ajoaa-2080	241	25	valuable	valuable	ADJ
ajoaa-2080	241	26	information	information	NOUN
ajoaa-2080	241	27	about	about	ADP
ajoaa-2080	241	28	the	the	DET
ajoaa-2080	241	29	financial	financial	ADJ
ajoaa-2080	241	30	state	state	NOUN
ajoaa-2080	241	31	of	of	ADP
ajoaa-2080	241	32	the	the	DET
ajoaa-2080	241	33	loan	loan	NOUN
ajoaa-2080	241	34	applicants	applicant	NOUN
ajoaa-2080	241	35	,	,	PUNCT
ajoaa-2080	241	36	which	which	PRON
ajoaa-2080	241	37	is	be	AUX
ajoaa-2080	241	38	also	also	ADV
ajoaa-2080	241	39	crucial	crucial	ADJ
ajoaa-2080	241	40	in	in	ADP
ajoaa-2080	241	41	the	the	DET
ajoaa-2080	241	42	making	making	NOUN
ajoaa-2080	241	43	of	of	ADP
ajoaa-2080	241	44	a	a	DET
ajoaa-2080	241	45	lending	lending	NOUN
ajoaa-2080	241	46	decision	decision	NOUN
ajoaa-2080	241	47	.	.	PUNCT
ajoaa-2080	242	1	asian	asian	ADJ
ajoaa-2080	242	2	journal	journal	PROPN
ajoaa-2080	242	3	of	of	ADP
ajoaa-2080	242	4	agriculture	agriculture	NOUN
ajoaa-2080	242	5	and	and	CCONJ
ajoaa-2080	242	6	rural	rural	ADJ
ajoaa-2080	242	7	development	development	NOUN
ajoaa-2080	242	8	,	,	PUNCT
ajoaa-2080	242	9	10(2)2020	10(2)2020	NUM
ajoaa-2080	242	10	:	:	PUNCT
ajoaa-2080	242	11	628	628	NUM
ajoaa-2080	242	12	-	-	SYM
ajoaa-2080	242	13	644	644	NUM
ajoaa-2080	242	14	639	639	NUM
ajoaa-2080	242	15	3.18	3.18	NUM
ajoaa-2080	242	16	.	.	PUNCT
ajoaa-2080	243	1	own	own	ADJ
ajoaa-2080	243	2	contribution	contribution	NOUN
ajoaa-2080	243	3	to	to	ADP
ajoaa-2080	243	4	the	the	DET
ajoaa-2080	243	5	loan	loan	NOUN
ajoaa-2080	243	6	amount	amount	NOUN
ajoaa-2080	243	7	requested	request	VERB
ajoaa-2080	243	8	the	the	DET
ajoaa-2080	243	9	farmer	farmer	NOUN
ajoaa-2080	243	10	's	's	PART
ajoaa-2080	243	11	contribution	contribution	NOUN
ajoaa-2080	243	12	to	to	ADP
ajoaa-2080	243	13	the	the	DET
ajoaa-2080	243	14	loan	loan	NOUN
ajoaa-2080	243	15	amount	amount	NOUN
ajoaa-2080	243	16	requested	request	VERB
ajoaa-2080	243	17	was	be	AUX
ajoaa-2080	243	18	ranked	rank	VERB
ajoaa-2080	243	19	in	in	ADP
ajoaa-2080	243	20	the	the	DET
ajoaa-2080	243	21	medium	medium	NOUN
ajoaa-2080	243	22	to	to	ADP
ajoaa-2080	243	23	a	a	DET
ajoaa-2080	243	24	high	high	ADJ
ajoaa-2080	243	25	category	category	NOUN
ajoaa-2080	243	26	with	with	ADP
ajoaa-2080	243	27	an	an	DET
ajoaa-2080	243	28	rii	rii	ADJ
ajoaa-2080	243	29	score	score	NOUN
ajoaa-2080	243	30	of	of	ADP
ajoaa-2080	243	31	0.71	0.71	NUM
ajoaa-2080	243	32	(	(	PUNCT
ajoaa-2080	243	33	table	table	NOUN
ajoaa-2080	243	34	1	1	NUM
ajoaa-2080	243	35	)	)	PUNCT
ajoaa-2080	243	36	.	.	PUNCT
ajoaa-2080	244	1	only	only	ADV
ajoaa-2080	244	2	three	three	NUM
ajoaa-2080	244	3	banks	bank	NOUN
ajoaa-2080	244	4	always	always	ADV
ajoaa-2080	244	5	considered	consider	VERB
ajoaa-2080	244	6	this	this	DET
ajoaa-2080	244	7	requirement	requirement	NOUN
ajoaa-2080	244	8	,	,	PUNCT
ajoaa-2080	244	9	sometimes	sometimes	ADV
ajoaa-2080	244	10	considered	consider	VERB
ajoaa-2080	244	11	by	by	ADP
ajoaa-2080	244	12	three	three	NUM
ajoaa-2080	244	13	banks	bank	NOUN
ajoaa-2080	244	14	and	and	CCONJ
ajoaa-2080	244	15	never	never	ADV
ajoaa-2080	244	16	considered	consider	VERB
ajoaa-2080	244	17	by	by	ADP
ajoaa-2080	244	18	two	two	NUM
ajoaa-2080	244	19	banks	bank	NOUN
ajoaa-2080	244	20	.	.	PUNCT
ajoaa-2080	245	1	cb6	cb6	PROPN
ajoaa-2080	245	2	,	,	PUNCT
ajoaa-2080	245	3	one	one	NUM
ajoaa-2080	245	4	of	of	ADP
ajoaa-2080	245	5	the	the	DET
ajoaa-2080	245	6	banks	bank	NOUN
ajoaa-2080	245	7	that	that	PRON
ajoaa-2080	245	8	always	always	ADV
ajoaa-2080	245	9	considered	consider	VERB
ajoaa-2080	245	10	own	own	ADJ
ajoaa-2080	245	11	contribution	contribution	NOUN
ajoaa-2080	245	12	as	as	ADP
ajoaa-2080	245	13	a	a	DET
ajoaa-2080	245	14	lending	lending	NOUN
ajoaa-2080	245	15	requirement	requirement	NOUN
ajoaa-2080	245	16	,	,	PUNCT
ajoaa-2080	245	17	implored	implore	VERB
ajoaa-2080	245	18	farmers	farmer	NOUN
ajoaa-2080	245	19	to	to	PART
ajoaa-2080	245	20	have	have	VERB
ajoaa-2080	245	21	some	some	DET
ajoaa-2080	245	22	equity	equity	NOUN
ajoaa-2080	245	23	to	to	ADP
ajoaa-2080	245	24	the	the	DET
ajoaa-2080	245	25	loan	loan	NOUN
ajoaa-2080	245	26	amount	amount	NOUN
ajoaa-2080	245	27	they	they	PRON
ajoaa-2080	245	28	are	be	AUX
ajoaa-2080	245	29	seeking	seek	VERB
ajoaa-2080	245	30	before	before	ADP
ajoaa-2080	245	31	approaching	approach	VERB
ajoaa-2080	245	32	the	the	DET
ajoaa-2080	245	33	bank	bank	NOUN
ajoaa-2080	245	34	.	.	PUNCT
ajoaa-2080	246	1	they	they	PRON
ajoaa-2080	246	2	were	be	AUX
ajoaa-2080	246	3	encouraged	encourage	VERB
ajoaa-2080	246	4	to	to	PART
ajoaa-2080	246	5	seek	seek	VERB
ajoaa-2080	246	6	part	part	NOUN
ajoaa-2080	246	7	of	of	ADP
ajoaa-2080	246	8	the	the	DET
ajoaa-2080	246	9	funding	funding	NOUN
ajoaa-2080	246	10	,	,	PUNCT
ajoaa-2080	246	11	for	for	ADP
ajoaa-2080	246	12	example	example	NOUN
ajoaa-2080	246	13	,	,	PUNCT
ajoaa-2080	246	14	60	60	NUM
ajoaa-2080	246	15	%	%	NOUN
ajoaa-2080	246	16	.	.	PUNCT
ajoaa-2080	247	1	on	on	ADP
ajoaa-2080	247	2	the	the	DET
ajoaa-2080	247	3	other	other	ADJ
ajoaa-2080	247	4	hand	hand	NOUN
ajoaa-2080	247	5	,	,	PUNCT
ajoaa-2080	247	6	cb4	cb4	PROPN
ajoaa-2080	247	7	,	,	PUNCT
ajoaa-2080	247	8	which	which	PRON
ajoaa-2080	247	9	never	never	ADV
ajoaa-2080	247	10	considered	consider	VERB
ajoaa-2080	247	11	this	this	DET
ajoaa-2080	247	12	lending	lending	NOUN
ajoaa-2080	247	13	requirement	requirement	NOUN
ajoaa-2080	247	14	,	,	PUNCT
ajoaa-2080	247	15	highlighted	highlight	VERB
ajoaa-2080	247	16	that	that	SCONJ
ajoaa-2080	247	17	it	it	PRON
ajoaa-2080	247	18	only	only	ADV
ajoaa-2080	247	19	requested	request	VERB
ajoaa-2080	247	20	a	a	DET
ajoaa-2080	247	21	farmer	farmer	NOUN
ajoaa-2080	247	22	's	's	PART
ajoaa-2080	247	23	contribution	contribution	NOUN
ajoaa-2080	247	24	to	to	ADP
ajoaa-2080	247	25	the	the	DET
ajoaa-2080	247	26	loan	loan	NOUN
ajoaa-2080	247	27	amount	amount	NOUN
ajoaa-2080	247	28	requested	request	VERB
ajoaa-2080	247	29	under	under	ADP
ajoaa-2080	247	30	asset	asset	NOUN
ajoaa-2080	247	31	financing	financing	NOUN
ajoaa-2080	247	32	facilities	facility	NOUN
ajoaa-2080	247	33	.	.	PUNCT
ajoaa-2080	248	1	despite	despite	SCONJ
ajoaa-2080	248	2	not	not	PART
ajoaa-2080	248	3	demanding	demand	VERB
ajoaa-2080	248	4	its	its	PRON
ajoaa-2080	248	5	own	own	ADJ
ajoaa-2080	248	6	contribution	contribution	NOUN
ajoaa-2080	248	7	to	to	ADP
ajoaa-2080	248	8	the	the	DET
ajoaa-2080	248	9	loan	loan	NOUN
ajoaa-2080	248	10	amount	amount	NOUN
ajoaa-2080	248	11	requested	request	VERB
ajoaa-2080	248	12	by	by	ADP
ajoaa-2080	248	13	the	the	DET
ajoaa-2080	248	14	farmer	farmer	NOUN
ajoaa-2080	248	15	,	,	PUNCT
ajoaa-2080	248	16	cb3	cb3	PROPN
ajoaa-2080	248	17	highlighted	highlight	VERB
ajoaa-2080	248	18	that	that	SCONJ
ajoaa-2080	248	19	the	the	DET
ajoaa-2080	248	20	owner	owner	NOUN
ajoaa-2080	248	21	's	's	PART
ajoaa-2080	248	22	equity	equity	NOUN
ajoaa-2080	248	23	in	in	ADP
ajoaa-2080	248	24	the	the	DET
ajoaa-2080	248	25	transaction	transaction	NOUN
ajoaa-2080	248	26	came	come	VERB
ajoaa-2080	248	27	in	in	ADP
ajoaa-2080	248	28	the	the	DET
ajoaa-2080	248	29	form	form	NOUN
ajoaa-2080	248	30	of	of	ADP
ajoaa-2080	248	31	the	the	DET
ajoaa-2080	248	32	crop	crop	NOUN
ajoaa-2080	248	33	in	in	ADP
ajoaa-2080	248	34	the	the	DET
ajoaa-2080	248	35	field	field	NOUN
ajoaa-2080	248	36	if	if	SCONJ
ajoaa-2080	248	37	the	the	DET
ajoaa-2080	248	38	farmer	farmer	NOUN
ajoaa-2080	248	39	approached	approach	VERB
ajoaa-2080	248	40	the	the	DET
ajoaa-2080	248	41	bank	bank	NOUN
ajoaa-2080	248	42	for	for	ADP
ajoaa-2080	248	43	other	other	ADJ
ajoaa-2080	248	44	loans	loan	NOUN
ajoaa-2080	248	45	like	like	ADP
ajoaa-2080	248	46	asset	asset	NOUN
ajoaa-2080	248	47	financing	financing	NOUN
ajoaa-2080	248	48	facilities	facility	NOUN
ajoaa-2080	248	49	.	.	PUNCT
ajoaa-2080	249	1	goeringer	goeringer	NOUN
ajoaa-2080	249	2	and	and	CCONJ
ajoaa-2080	249	3	hanson	hanson	PROPN
ajoaa-2080	249	4	(	(	PUNCT
ajoaa-2080	249	5	2013	2013	NUM
ajoaa-2080	249	6	)	)	PUNCT
ajoaa-2080	249	7	confirm	confirm	VERB
ajoaa-2080	249	8	that	that	SCONJ
ajoaa-2080	249	9	banks	bank	NOUN
ajoaa-2080	249	10	usually	usually	ADV
ajoaa-2080	249	11	dictate	dictate	VERB
ajoaa-2080	249	12	their	their	PRON
ajoaa-2080	249	13	clients	client	NOUN
ajoaa-2080	249	14	to	to	PART
ajoaa-2080	249	15	contribute	contribute	VERB
ajoaa-2080	249	16	a	a	DET
ajoaa-2080	249	17	certain	certain	ADJ
ajoaa-2080	249	18	margin	margin	NOUN
ajoaa-2080	249	19	as	as	ADP
ajoaa-2080	249	20	a	a	DET
ajoaa-2080	249	21	borrowing	borrowing	NOUN
ajoaa-2080	249	22	commitment	commitment	NOUN
ajoaa-2080	249	23	because	because	SCONJ
ajoaa-2080	249	24	they	they	PRON
ajoaa-2080	249	25	seldom	seldom	ADV
ajoaa-2080	249	26	grant	grant	VERB
ajoaa-2080	249	27	100	100	NUM
ajoaa-2080	249	28	%	%	NOUN
ajoaa-2080	249	29	financing	financing	NOUN
ajoaa-2080	249	30	.	.	PUNCT
ajoaa-2080	250	1	confirming	confirm	VERB
ajoaa-2080	250	2	the	the	DET
ajoaa-2080	250	3	need	need	NOUN
ajoaa-2080	250	4	for	for	ADP
ajoaa-2080	250	5	a	a	DET
ajoaa-2080	250	6	borrower	borrower	NOUN
ajoaa-2080	250	7	's	's	PART
ajoaa-2080	250	8	contribution	contribution	NOUN
ajoaa-2080	250	9	to	to	ADP
ajoaa-2080	250	10	asset	asset	NOUN
ajoaa-2080	250	11	financing	financing	NOUN
ajoaa-2080	250	12	loans	loan	NOUN
ajoaa-2080	250	13	as	as	SCONJ
ajoaa-2080	250	14	shown	show	VERB
ajoaa-2080	250	15	by	by	ADP
ajoaa-2080	250	16	this	this	DET
ajoaa-2080	250	17	study	study	NOUN
ajoaa-2080	250	18	,	,	PUNCT
ajoaa-2080	250	19	abbadi	abbadi	NOUN
ajoaa-2080	250	20	and	and	CCONJ
ajoaa-2080	250	21	karsh	karsh	PROPN
ajoaa-2080	250	22	(	(	PUNCT
ajoaa-2080	250	23	2013	2013	NUM
ajoaa-2080	250	24	)	)	PUNCT
ajoaa-2080	250	25	underlined	underline	VERB
ajoaa-2080	250	26	that	that	SCONJ
ajoaa-2080	250	27	a	a	DET
ajoaa-2080	250	28	potential	potential	ADJ
ajoaa-2080	250	29	borrower	borrower	NOUN
ajoaa-2080	250	30	is	be	AUX
ajoaa-2080	250	31	obliged	oblige	VERB
ajoaa-2080	250	32	to	to	PART
ajoaa-2080	250	33	pay	pay	VERB
ajoaa-2080	250	34	a	a	DET
ajoaa-2080	250	35	certain	certain	ADJ
ajoaa-2080	250	36	percentage	percentage	NOUN
ajoaa-2080	250	37	of	of	ADP
ajoaa-2080	250	38	the	the	DET
ajoaa-2080	250	39	value	value	NOUN
ajoaa-2080	250	40	of	of	ADP
ajoaa-2080	250	41	the	the	DET
ajoaa-2080	250	42	asset	asset	NOUN
ajoaa-2080	250	43	that	that	PRON
ajoaa-2080	250	44	needs	need	VERB
ajoaa-2080	250	45	to	to	PART
ajoaa-2080	250	46	be	be	AUX
ajoaa-2080	250	47	financed	finance	VERB
ajoaa-2080	250	48	,	,	PUNCT
ajoaa-2080	250	49	which	which	PRON
ajoaa-2080	250	50	they	they	PRON
ajoaa-2080	250	51	claimed	claim	VERB
ajoaa-2080	250	52	to	to	PART
ajoaa-2080	250	53	show	show	VERB
ajoaa-2080	250	54	that	that	SCONJ
ajoaa-2080	250	55	the	the	DET
ajoaa-2080	250	56	potential	potential	ADJ
ajoaa-2080	250	57	borrower	borrower	NOUN
ajoaa-2080	250	58	had	have	VERB
ajoaa-2080	250	59	a	a	DET
ajoaa-2080	250	60	high	high	ADJ
ajoaa-2080	250	61	level	level	NOUN
ajoaa-2080	250	62	of	of	ADP
ajoaa-2080	250	63	seriousness	seriousness	NOUN
ajoaa-2080	250	64	and	and	CCONJ
ajoaa-2080	250	65	commitment	commitment	NOUN
ajoaa-2080	250	66	to	to	ADP
ajoaa-2080	250	67	the	the	DET
ajoaa-2080	250	68	project	project	NOUN
ajoaa-2080	250	69	by	by	ADP
ajoaa-2080	250	70	willing	willing	ADJ
ajoaa-2080	250	71	to	to	PART
ajoaa-2080	250	72	share	share	VERB
ajoaa-2080	250	73	the	the	DET
ajoaa-2080	250	74	risk	risk	NOUN
ajoaa-2080	250	75	with	with	ADP
ajoaa-2080	250	76	the	the	DET
ajoaa-2080	250	77	lending	lending	NOUN
ajoaa-2080	250	78	institution	institution	NOUN
ajoaa-2080	250	79	.	.	PUNCT
ajoaa-2080	251	1	this	this	DET
ajoaa-2080	251	2	requirement	requirement	NOUN
ajoaa-2080	251	3	falls	fall	VERB
ajoaa-2080	251	4	within	within	ADP
ajoaa-2080	251	5	the	the	DET
ajoaa-2080	251	6	margin	margin	NOUN
ajoaa-2080	251	7	component	component	NOUN
ajoaa-2080	251	8	of	of	ADP
ajoaa-2080	251	9	the	the	DET
ajoaa-2080	251	10	campari	campari	ADJ
ajoaa-2080	251	11	model	model	NOUN
ajoaa-2080	251	12	,	,	PUNCT
ajoaa-2080	251	13	which	which	PRON
ajoaa-2080	251	14	also	also	ADV
ajoaa-2080	251	15	validates	validate	VERB
ajoaa-2080	251	16	its	its	PRON
ajoaa-2080	251	17	applicability	applicability	NOUN
ajoaa-2080	251	18	in	in	ADP
ajoaa-2080	251	19	zimbabwean	zimbabwean	ADJ
ajoaa-2080	251	20	commercial	commercial	ADJ
ajoaa-2080	251	21	banks	bank	NOUN
ajoaa-2080	251	22	.	.	PUNCT
ajoaa-2080	252	1	3.19	3.19	NUM
ajoaa-2080	252	2	.	.	PUNCT
ajoaa-2080	253	1	personal	personal	ADJ
ajoaa-2080	253	2	savings	saving	NOUN
ajoaa-2080	253	3	with	with	ADP
ajoaa-2080	253	4	bank	bank	NOUN
ajoaa-2080	253	5	personal	personal	ADJ
ajoaa-2080	253	6	savings	saving	NOUN
ajoaa-2080	253	7	with	with	ADP
ajoaa-2080	253	8	a	a	DET
ajoaa-2080	253	9	bank	bank	NOUN
ajoaa-2080	253	10	scored	score	VERB
ajoaa-2080	253	11	the	the	DET
ajoaa-2080	253	12	lowest	low	ADJ
ajoaa-2080	253	13	rii	rii	ADJ
ajoaa-2080	253	14	score	score	NOUN
ajoaa-2080	253	15	of	of	ADP
ajoaa-2080	253	16	0.67	0.67	NUM
ajoaa-2080	253	17	in	in	ADP
ajoaa-2080	253	18	the	the	DET
ajoaa-2080	253	19	high	high	ADJ
ajoaa-2080	253	20	to	to	PART
ajoaa-2080	253	21	medium	medium	ADJ
ajoaa-2080	253	22	category	category	NOUN
ajoaa-2080	253	23	(	(	PUNCT
ajoaa-2080	253	24	table	table	NOUN
ajoaa-2080	253	25	1	1	NUM
ajoaa-2080	253	26	)	)	PUNCT
ajoaa-2080	253	27	.	.	PUNCT
ajoaa-2080	254	1	only	only	ADV
ajoaa-2080	254	2	three	three	NUM
ajoaa-2080	254	3	banks	bank	NOUN
ajoaa-2080	254	4	always	always	ADV
ajoaa-2080	254	5	considered	consider	VERB
ajoaa-2080	254	6	savings	saving	NOUN
ajoaa-2080	254	7	as	as	ADP
ajoaa-2080	254	8	a	a	DET
ajoaa-2080	254	9	lending	lending	NOUN
ajoaa-2080	254	10	condition	condition	NOUN
ajoaa-2080	254	11	for	for	ADP
ajoaa-2080	254	12	farmers	farmer	NOUN
ajoaa-2080	254	13	,	,	PUNCT
ajoaa-2080	254	14	while	while	SCONJ
ajoaa-2080	254	15	two	two	NUM
ajoaa-2080	254	16	sometimes	sometimes	ADV
ajoaa-2080	254	17	considered	consider	VERB
ajoaa-2080	254	18	it	it	PRON
ajoaa-2080	254	19	.	.	PUNCT
ajoaa-2080	255	1	however	however	ADV
ajoaa-2080	255	2	,	,	PUNCT
ajoaa-2080	255	3	three	three	NUM
ajoaa-2080	255	4	banks	bank	NOUN
ajoaa-2080	255	5	never	never	ADV
ajoaa-2080	255	6	considered	consider	VERB
ajoaa-2080	255	7	the	the	DET
ajoaa-2080	255	8	personal	personal	ADJ
ajoaa-2080	255	9	savings	saving	NOUN
ajoaa-2080	255	10	of	of	ADP
ajoaa-2080	255	11	the	the	DET
ajoaa-2080	255	12	farmer	farmer	NOUN
ajoaa-2080	255	13	in	in	ADP
ajoaa-2080	255	14	the	the	DET
ajoaa-2080	255	15	bank	bank	NOUN
ajoaa-2080	255	16	as	as	ADP
ajoaa-2080	255	17	a	a	DET
ajoaa-2080	255	18	lending	lending	NOUN
ajoaa-2080	255	19	requirement	requirement	NOUN
ajoaa-2080	255	20	.	.	PUNCT
ajoaa-2080	256	1	banks	bank	NOUN
ajoaa-2080	256	2	that	that	PRON
ajoaa-2080	256	3	always	always	ADV
ajoaa-2080	256	4	considered	consider	VERB
ajoaa-2080	256	5	this	this	DET
ajoaa-2080	256	6	lending	lending	NOUN
ajoaa-2080	256	7	requirement	requirement	NOUN
ajoaa-2080	256	8	highlighted	highlight	VERB
ajoaa-2080	256	9	that	that	SCONJ
ajoaa-2080	256	10	personal	personal	ADJ
ajoaa-2080	256	11	savings	saving	NOUN
ajoaa-2080	256	12	and	and	CCONJ
ajoaa-2080	256	13	deposits	deposit	NOUN
ajoaa-2080	256	14	into	into	ADP
ajoaa-2080	256	15	the	the	DET
ajoaa-2080	256	16	farmer	farmer	NOUN
ajoaa-2080	256	17	's	's	PART
ajoaa-2080	256	18	bank	bank	NOUN
ajoaa-2080	256	19	account	account	NOUN
ajoaa-2080	256	20	provided	provide	VERB
ajoaa-2080	256	21	evidence	evidence	NOUN
ajoaa-2080	256	22	that	that	SCONJ
ajoaa-2080	256	23	the	the	DET
ajoaa-2080	256	24	farmer	farmer	NOUN
ajoaa-2080	256	25	could	could	AUX
ajoaa-2080	256	26	generate	generate	VERB
ajoaa-2080	256	27	enough	enough	ADJ
ajoaa-2080	256	28	income	income	NOUN
ajoaa-2080	256	29	from	from	ADP
ajoaa-2080	256	30	his	his	PRON
ajoaa-2080	256	31	/	/	SYM
ajoaa-2080	256	32	her	her	PRON
ajoaa-2080	256	33	farming	farming	NOUN
ajoaa-2080	256	34	enterprise	enterprise	NOUN
ajoaa-2080	256	35	,	,	PUNCT
ajoaa-2080	256	36	which	which	PRON
ajoaa-2080	256	37	therefore	therefore	ADV
ajoaa-2080	256	38	guided	guide	VERB
ajoaa-2080	256	39	them	they	PRON
ajoaa-2080	256	40	in	in	ADP
ajoaa-2080	256	41	making	make	VERB
ajoaa-2080	256	42	lending	lending	NOUN
ajoaa-2080	256	43	decisions	decision	NOUN
ajoaa-2080	256	44	.	.	PUNCT
ajoaa-2080	257	1	sebatta	sebatta	PROPN
ajoaa-2080	257	2	et	et	PROPN
ajoaa-2080	257	3	al	al	PROPN
ajoaa-2080	257	4	.	.	PROPN
ajoaa-2080	258	1	(	(	PUNCT
ajoaa-2080	258	2	2014	2014	NUM
ajoaa-2080	258	3	)	)	PUNCT
ajoaa-2080	258	4	confirms	confirm	VERB
ajoaa-2080	258	5	that	that	SCONJ
ajoaa-2080	258	6	personal	personal	ADJ
ajoaa-2080	258	7	and	and	CCONJ
ajoaa-2080	258	8	voluntary	voluntary	ADJ
ajoaa-2080	258	9	savings	saving	NOUN
ajoaa-2080	258	10	with	with	ADP
ajoaa-2080	258	11	a	a	DET
ajoaa-2080	258	12	bank	bank	NOUN
ajoaa-2080	258	13	positively	positively	ADV
ajoaa-2080	258	14	affect	affect	VERB
ajoaa-2080	258	15	the	the	DET
ajoaa-2080	258	16	loan	loan	NOUN
ajoaa-2080	258	17	amounts	amount	NOUN
ajoaa-2080	258	18	that	that	SCONJ
ajoaa-2080	258	19	farmers	farmer	NOUN
ajoaa-2080	258	20	accessed	access	VERB
ajoaa-2080	258	21	from	from	ADP
ajoaa-2080	258	22	banks	bank	NOUN
ajoaa-2080	258	23	in	in	ADP
ajoaa-2080	258	24	the	the	DET
ajoaa-2080	258	25	case	case	NOUN
ajoaa-2080	258	26	of	of	ADP
ajoaa-2080	258	27	zambia	zambia	PROPN
ajoaa-2080	258	28	.	.	PUNCT
ajoaa-2080	259	1	the	the	DET
ajoaa-2080	259	2	banks	bank	NOUN
ajoaa-2080	259	3	that	that	PRON
ajoaa-2080	259	4	sometimes	sometimes	ADV
ajoaa-2080	259	5	considered	consider	VERB
ajoaa-2080	259	6	this	this	DET
ajoaa-2080	259	7	lending	lending	NOUN
ajoaa-2080	259	8	requirement	requirement	NOUN
ajoaa-2080	259	9	only	only	ADV
ajoaa-2080	259	10	highlighted	highlight	VERB
ajoaa-2080	259	11	that	that	SCONJ
ajoaa-2080	259	12	it	it	PRON
ajoaa-2080	259	13	was	be	AUX
ajoaa-2080	259	14	difficult	difficult	ADJ
ajoaa-2080	259	15	to	to	PART
ajoaa-2080	259	16	use	use	VERB
ajoaa-2080	259	17	personal	personal	ADJ
ajoaa-2080	259	18	savings	saving	NOUN
ajoaa-2080	259	19	as	as	ADP
ajoaa-2080	259	20	a	a	DET
ajoaa-2080	259	21	measure	measure	NOUN
ajoaa-2080	259	22	of	of	ADP
ajoaa-2080	259	23	creditworthiness	creditworthiness	NOUN
ajoaa-2080	259	24	in	in	ADP
ajoaa-2080	259	25	zimbabwe	zimbabwe	PROPN
ajoaa-2080	259	26	,	,	PUNCT
ajoaa-2080	259	27	where	where	SCONJ
ajoaa-2080	259	28	most	most	ADJ
ajoaa-2080	259	29	individuals	individual	NOUN
ajoaa-2080	259	30	and	and	CCONJ
ajoaa-2080	259	31	corporates	corporate	NOUN
ajoaa-2080	259	32	lack	lack	VERB
ajoaa-2080	259	33	confidence	confidence	NOUN
ajoaa-2080	259	34	in	in	ADP
ajoaa-2080	259	35	the	the	DET
ajoaa-2080	259	36	formal	formal	ADJ
ajoaa-2080	259	37	banking	banking	NOUN
ajoaa-2080	259	38	system	system	NOUN
ajoaa-2080	259	39	but	but	CCONJ
ajoaa-2080	259	40	opt	opt	NOUN
ajoaa-2080	259	41	for	for	ADP
ajoaa-2080	259	42	alternative	alternative	ADJ
ajoaa-2080	259	43	saving	save	VERB
ajoaa-2080	259	44	options	option	NOUN
ajoaa-2080	259	45	like	like	ADP
ajoaa-2080	259	46	physical	physical	ADJ
ajoaa-2080	259	47	assets	asset	NOUN
ajoaa-2080	259	48	.	.	PUNCT
ajoaa-2080	260	1	moreover	moreover	ADV
ajoaa-2080	260	2	,	,	PUNCT
ajoaa-2080	260	3	the	the	DET
ajoaa-2080	260	4	availability	availability	NOUN
ajoaa-2080	260	5	of	of	ADP
ajoaa-2080	260	6	alternative	alternative	ADJ
ajoaa-2080	260	7	payment	payment	NOUN
ajoaa-2080	260	8	systems	system	NOUN
ajoaa-2080	260	9	that	that	PRON
ajoaa-2080	260	10	have	have	AUX
ajoaa-2080	260	11	been	be	AUX
ajoaa-2080	260	12	more	more	ADV
ajoaa-2080	260	13	efficient	efficient	ADJ
ajoaa-2080	260	14	than	than	ADP
ajoaa-2080	260	15	bank	bank	NOUN
ajoaa-2080	260	16	accounts	account	NOUN
ajoaa-2080	260	17	like	like	ADP
ajoaa-2080	260	18	ecocash	ecocash	NOUN
ajoaa-2080	260	19	and	and	CCONJ
ajoaa-2080	260	20	one	one	NUM
ajoaa-2080	260	21	money	money	NOUN
ajoaa-2080	260	22	have	have	AUX
ajoaa-2080	260	23	negatively	negatively	ADV
ajoaa-2080	260	24	affected	affect	VERB
ajoaa-2080	260	25	the	the	DET
ajoaa-2080	260	26	amount	amount	NOUN
ajoaa-2080	260	27	of	of	ADP
ajoaa-2080	260	28	savings	saving	NOUN
ajoaa-2080	260	29	channeled	channel	VERB
ajoaa-2080	260	30	into	into	ADP
ajoaa-2080	260	31	the	the	DET
ajoaa-2080	260	32	banking	banking	NOUN
ajoaa-2080	260	33	system	system	NOUN
ajoaa-2080	260	34	.	.	PUNCT
ajoaa-2080	261	1	hence	hence	ADV
ajoaa-2080	261	2	,	,	PUNCT
ajoaa-2080	261	3	the	the	DET
ajoaa-2080	261	4	use	use	NOUN
ajoaa-2080	261	5	of	of	ADP
ajoaa-2080	261	6	personal	personal	ADJ
ajoaa-2080	261	7	savings	saving	NOUN
ajoaa-2080	261	8	with	with	ADP
ajoaa-2080	261	9	a	a	DET
ajoaa-2080	261	10	bank	bank	NOUN
ajoaa-2080	261	11	as	as	ADP
ajoaa-2080	261	12	a	a	DET
ajoaa-2080	261	13	criterion	criterion	NOUN
ajoaa-2080	261	14	for	for	ADP
ajoaa-2080	261	15	judging	judge	VERB
ajoaa-2080	261	16	a	a	DET
ajoaa-2080	261	17	potential	potential	ADJ
ajoaa-2080	261	18	borrower	borrower	NOUN
ajoaa-2080	261	19	's	's	PART
ajoaa-2080	261	20	creditworthiness	creditworthiness	NOUN
ajoaa-2080	261	21	could	could	AUX
ajoaa-2080	261	22	segregate	segregate	VERB
ajoaa-2080	261	23	against	against	ADP
ajoaa-2080	261	24	other	other	ADJ
ajoaa-2080	261	25	potentially	potentially	ADV
ajoaa-2080	261	26	good	good	ADJ
ajoaa-2080	261	27	borrowers	borrower	NOUN
ajoaa-2080	261	28	who	who	PRON
ajoaa-2080	261	29	may	may	AUX
ajoaa-2080	261	30	be	be	AUX
ajoaa-2080	261	31	making	make	VERB
ajoaa-2080	261	32	meaningful	meaningful	ADJ
ajoaa-2080	261	33	alternative	alternative	ADJ
ajoaa-2080	261	34	savings	saving	NOUN
ajoaa-2080	261	35	or	or	CCONJ
ajoaa-2080	261	36	making	make	VERB
ajoaa-2080	261	37	use	use	NOUN
ajoaa-2080	261	38	of	of	ADP
ajoaa-2080	261	39	alternative	alternative	ADJ
ajoaa-2080	261	40	transacting	transacting	NOUN
ajoaa-2080	261	41	platforms	platform	NOUN
ajoaa-2080	261	42	.	.	PUNCT
ajoaa-2080	262	1	3.20	3.20	NUM
ajoaa-2080	262	2	.	.	PUNCT
ajoaa-2080	262	3	medium	medium	ADJ
ajoaa-2080	262	4	importance	importance	NOUN
ajoaa-2080	262	5	requirements	requirement	VERB
ajoaa-2080	262	6	three	three	NUM
ajoaa-2080	262	7	lending	lending	NOUN
ajoaa-2080	262	8	conditions	condition	NOUN
ajoaa-2080	262	9	,	,	PUNCT
ajoaa-2080	262	10	namely	namely	ADV
ajoaa-2080	262	11	formal	formal	ADJ
ajoaa-2080	262	12	basic	basic	ADJ
ajoaa-2080	262	13	education	education	NOUN
ajoaa-2080	262	14	,	,	PUNCT
ajoaa-2080	262	15	alternative	alternative	ADJ
ajoaa-2080	262	16	income	income	NOUN
ajoaa-2080	262	17	,	,	PUNCT
ajoaa-2080	262	18	and	and	CCONJ
ajoaa-2080	262	19	freehold	freehold	PROPN
ajoaa-2080	262	20	land	land	PROPN
ajoaa-2080	262	21	ownership	ownership	NOUN
ajoaa-2080	262	22	,	,	PUNCT
ajoaa-2080	262	23	scored	score	VERB
ajoaa-2080	262	24	lower	low	ADJ
ajoaa-2080	262	25	riis	riis	NOUN
ajoaa-2080	262	26	,	,	PUNCT
ajoaa-2080	262	27	which	which	PRON
ajoaa-2080	262	28	fell	fall	VERB
ajoaa-2080	262	29	within	within	ADP
ajoaa-2080	262	30	the	the	DET
ajoaa-2080	262	31	medium	medium	ADJ
ajoaa-2080	262	32	importance	importance	NOUN
ajoaa-2080	262	33	category	category	NOUN
ajoaa-2080	262	34	as	as	SCONJ
ajoaa-2080	262	35	discussed	discuss	VERB
ajoaa-2080	262	36	further	far	ADV
ajoaa-2080	262	37	below	below	ADV
ajoaa-2080	262	38	.	.	PUNCT
ajoaa-2080	263	1	3.20.1	3.20.1	NUM
ajoaa-2080	263	2	.	.	PUNCT
ajoaa-2080	264	1	formal	formal	ADJ
ajoaa-2080	264	2	basic	basic	ADJ
ajoaa-2080	264	3	education	education	NOUN
ajoaa-2080	264	4	the	the	DET
ajoaa-2080	264	5	lending	lending	NOUN
ajoaa-2080	264	6	requirement	requirement	NOUN
ajoaa-2080	264	7	for	for	ADP
ajoaa-2080	264	8	a	a	DET
ajoaa-2080	264	9	farmer	farmer	NOUN
ajoaa-2080	264	10	with	with	ADP
ajoaa-2080	264	11	formal	formal	ADJ
ajoaa-2080	264	12	basic	basic	ADJ
ajoaa-2080	264	13	education	education	NOUN
ajoaa-2080	264	14	scored	score	VERB
ajoaa-2080	264	15	a	a	DET
ajoaa-2080	264	16	low	low	ADJ
ajoaa-2080	264	17	rii	rii	NOUN
ajoaa-2080	264	18	of	of	ADP
ajoaa-2080	264	19	0.54	0.54	NUM
ajoaa-2080	264	20	(	(	PUNCT
ajoaa-2080	264	21	table	table	NOUN
ajoaa-2080	264	22	1	1	NUM
ajoaa-2080	264	23	)	)	PUNCT
ajoaa-2080	264	24	.	.	PUNCT
ajoaa-2080	265	1	only	only	ADV
ajoaa-2080	265	2	one	one	NUM
ajoaa-2080	265	3	bank	bank	NOUN
ajoaa-2080	265	4	(	(	PUNCT
ajoaa-2080	265	5	cb4	cb4	PROPN
ajoaa-2080	265	6	)	)	PUNCT
ajoaa-2080	265	7	always	always	ADV
ajoaa-2080	265	8	considered	consider	VERB
ajoaa-2080	265	9	farmer	farmer	NOUN
ajoaa-2080	265	10	education	education	NOUN
ajoaa-2080	265	11	because	because	SCONJ
ajoaa-2080	265	12	educated	educated	ADJ
ajoaa-2080	265	13	farmers	farmer	NOUN
ajoaa-2080	265	14	understood	understand	VERB
ajoaa-2080	265	15	better	well	ADV
ajoaa-2080	265	16	the	the	DET
ajoaa-2080	265	17	conditions	condition	NOUN
ajoaa-2080	265	18	and	and	CCONJ
ajoaa-2080	265	19	other	other	ADJ
ajoaa-2080	265	20	requirements	requirement	NOUN
ajoaa-2080	265	21	of	of	ADP
ajoaa-2080	265	22	their	their	PRON
ajoaa-2080	265	23	contracts	contract	NOUN
ajoaa-2080	265	24	,	,	PUNCT
ajoaa-2080	265	25	and	and	CCONJ
ajoaa-2080	265	26	were	be	AUX
ajoaa-2080	265	27	therefore	therefore	ADV
ajoaa-2080	265	28	in	in	ADP
ajoaa-2080	265	29	a	a	DET
ajoaa-2080	265	30	better	well	ADJ
ajoaa-2080	265	31	position	position	NOUN
ajoaa-2080	265	32	to	to	PART
ajoaa-2080	265	33	honor	honor	VERB
ajoaa-2080	265	34	their	their	PRON
ajoaa-2080	265	35	loan	loan	NOUN
ajoaa-2080	265	36	obligations	obligation	NOUN
ajoaa-2080	265	37	.	.	PUNCT
ajoaa-2080	266	1	this	this	PRON
ajoaa-2080	266	2	is	be	AUX
ajoaa-2080	266	3	confirmed	confirm	VERB
ajoaa-2080	266	4	by	by	ADP
ajoaa-2080	266	5	ijioma	ijioma	NOUN
ajoaa-2080	266	6	and	and	CCONJ
ajoaa-2080	266	7	osondu	osondu	NOUN
ajoaa-2080	266	8	(	(	PUNCT
ajoaa-2080	266	9	2015	2015	NUM
ajoaa-2080	266	10	)	)	PUNCT
ajoaa-2080	266	11	in	in	ADP
ajoaa-2080	266	12	the	the	DET
ajoaa-2080	266	13	case	case	NOUN
ajoaa-2080	266	14	of	of	ADP
ajoaa-2080	266	15	nigeria	nigeria	PROPN
ajoaa-2080	266	16	that	that	PRON
ajoaa-2080	266	17	educated	educate	VERB
ajoaa-2080	266	18	farmers	farmer	NOUN
ajoaa-2080	266	19	'	'	PART
ajoaa-2080	266	20	better	well	ADJ
ajoaa-2080	266	21	understanding	understanding	NOUN
ajoaa-2080	266	22	of	of	ADP
ajoaa-2080	266	23	loan	loan	NOUN
ajoaa-2080	266	24	contracts	contract	NOUN
ajoaa-2080	266	25	,	,	PUNCT
ajoaa-2080	266	26	better	well	ADJ
ajoaa-2080	266	27	tendencies	tendency	NOUN
ajoaa-2080	266	28	of	of	ADP
ajoaa-2080	266	29	loan	loan	NOUN
ajoaa-2080	266	30	management	management	NOUN
ajoaa-2080	266	31	and	and	CCONJ
ajoaa-2080	266	32	their	their	PRON
ajoaa-2080	266	33	adoption	adoption	NOUN
ajoaa-2080	266	34	of	of	ADP
ajoaa-2080	266	35	new	new	ADJ
ajoaa-2080	266	36	productivity	productivity	NOUN
ajoaa-2080	266	37	-	-	PUNCT
ajoaa-2080	266	38	enhancing	enhance	VERB
ajoaa-2080	266	39	technologies	technology	NOUN
ajoaa-2080	266	40	improved	improve	VERB
ajoaa-2080	266	41	their	their	PRON
ajoaa-2080	266	42	repayment	repayment	NOUN
ajoaa-2080	266	43	potential	potential	NOUN
ajoaa-2080	266	44	.	.	PUNCT
ajoaa-2080	267	1	also	also	ADV
ajoaa-2080	267	2	,	,	PUNCT
ajoaa-2080	267	3	education	education	NOUN
ajoaa-2080	267	4	was	be	AUX
ajoaa-2080	267	5	perceived	perceive	VERB
ajoaa-2080	267	6	by	by	ADP
ajoaa-2080	267	7	lenders	lender	NOUN
ajoaa-2080	267	8	as	as	ADP
ajoaa-2080	267	9	a	a	DET
ajoaa-2080	267	10	signal	signal	NOUN
ajoaa-2080	267	11	that	that	SCONJ
ajoaa-2080	267	12	prospective	prospective	ADJ
ajoaa-2080	267	13	borrowers	borrower	NOUN
ajoaa-2080	267	14	were	be	AUX
ajoaa-2080	267	15	financially	financially	ADV
ajoaa-2080	267	16	mature	mature	ADJ
ajoaa-2080	267	17	,	,	PUNCT
ajoaa-2080	267	18	creditworthy	creditworthy	ADJ
ajoaa-2080	267	19	,	,	PUNCT
ajoaa-2080	267	20	and	and	CCONJ
ajoaa-2080	267	21	capable	capable	ADJ
ajoaa-2080	267	22	of	of	ADP
ajoaa-2080	267	23	better	well	ADJ
ajoaa-2080	267	24	credit	credit	NOUN
ajoaa-2080	267	25	management	management	NOUN
ajoaa-2080	267	26	in	in	ADP
ajoaa-2080	267	27	asian	asian	ADJ
ajoaa-2080	267	28	journal	journal	NOUN
ajoaa-2080	267	29	of	of	ADP
ajoaa-2080	267	30	agriculture	agriculture	NOUN
ajoaa-2080	267	31	and	and	CCONJ
ajoaa-2080	267	32	rural	rural	ADJ
ajoaa-2080	267	33	development	development	NOUN
ajoaa-2080	267	34	,	,	PUNCT
ajoaa-2080	267	35	10(2)2020	10(2)2020	NUM
ajoaa-2080	267	36	:	:	PUNCT
ajoaa-2080	267	37	628	628	NUM
ajoaa-2080	267	38	-	-	SYM
ajoaa-2080	267	39	644	644	NUM
ajoaa-2080	267	40	640	640	NUM
ajoaa-2080	267	41	mukasa	mukasa	NOUN
ajoaa-2080	267	42	et	et	PROPN
ajoaa-2080	267	43	al	al	PROPN
ajoaa-2080	267	44	.	.	PROPN
ajoaa-2080	268	1	(	(	PUNCT
ajoaa-2080	268	2	2017	2017	NUM
ajoaa-2080	268	3	)	)	PUNCT
ajoaa-2080	268	4	's	's	PART
ajoaa-2080	268	5	study	study	NOUN
ajoaa-2080	268	6	in	in	ADP
ajoaa-2080	268	7	ethiopia	ethiopia	PROPN
ajoaa-2080	268	8	.	.	PUNCT
ajoaa-2080	269	1	three	three	NUM
ajoaa-2080	269	2	banks	bank	NOUN
ajoaa-2080	269	3	sometimes	sometimes	ADV
ajoaa-2080	269	4	considered	consider	VERB
ajoaa-2080	269	5	farmer	farmer	NOUN
ajoaa-2080	269	6	education	education	NOUN
ajoaa-2080	269	7	,	,	PUNCT
ajoaa-2080	269	8	while	while	SCONJ
ajoaa-2080	269	9	an	an	DET
ajoaa-2080	269	10	additional	additional	ADJ
ajoaa-2080	269	11	four	four	NUM
ajoaa-2080	269	12	never	never	ADV
ajoaa-2080	269	13	considered	consider	VERB
ajoaa-2080	269	14	this	this	DET
ajoaa-2080	269	15	lending	lending	NOUN
ajoaa-2080	269	16	condition	condition	NOUN
ajoaa-2080	269	17	.	.	PUNCT
ajoaa-2080	270	1	most	most	ADJ
ajoaa-2080	270	2	of	of	ADP
ajoaa-2080	270	3	these	these	DET
ajoaa-2080	270	4	banks	bank	NOUN
ajoaa-2080	270	5	highlighted	highlight	VERB
ajoaa-2080	270	6	that	that	SCONJ
ajoaa-2080	270	7	the	the	DET
ajoaa-2080	270	8	farmer	farmer	NOUN
ajoaa-2080	270	9	's	's	PART
ajoaa-2080	270	10	education	education	NOUN
ajoaa-2080	270	11	was	be	AUX
ajoaa-2080	270	12	not	not	PART
ajoaa-2080	270	13	an	an	DET
ajoaa-2080	270	14	issue	issue	NOUN
ajoaa-2080	270	15	,	,	PUNCT
ajoaa-2080	270	16	but	but	CCONJ
ajoaa-2080	270	17	the	the	DET
ajoaa-2080	270	18	farm	farm	NOUN
ajoaa-2080	270	19	's	's	PART
ajoaa-2080	270	20	management	management	NOUN
ajoaa-2080	270	21	team	team	NOUN
ajoaa-2080	270	22	had	have	VERB
ajoaa-2080	270	23	to	to	PART
ajoaa-2080	270	24	be	be	AUX
ajoaa-2080	270	25	educated	educate	VERB
ajoaa-2080	270	26	to	to	ADP
ajoaa-2080	270	27	some	some	DET
ajoaa-2080	270	28	extent	extent	NOUN
ajoaa-2080	270	29	.	.	PUNCT
ajoaa-2080	271	1	however	however	ADV
ajoaa-2080	271	2	,	,	PUNCT
ajoaa-2080	271	3	more	more	ADJ
ajoaa-2080	271	4	emphasis	emphasis	NOUN
ajoaa-2080	271	5	was	be	AUX
ajoaa-2080	271	6	placed	place	VERB
ajoaa-2080	271	7	on	on	ADP
ajoaa-2080	271	8	their	their	PRON
ajoaa-2080	271	9	agricultural	agricultural	ADJ
ajoaa-2080	271	10	production	production	NOUN
ajoaa-2080	271	11	qualifications	qualification	NOUN
ajoaa-2080	271	12	and	and	CCONJ
ajoaa-2080	271	13	skills	skill	NOUN
ajoaa-2080	271	14	instead	instead	ADV
ajoaa-2080	271	15	of	of	ADP
ajoaa-2080	271	16	their	their	PRON
ajoaa-2080	271	17	formal	formal	ADJ
ajoaa-2080	271	18	education	education	NOUN
ajoaa-2080	271	19	qualifications	qualification	NOUN
ajoaa-2080	271	20	.	.	PUNCT
ajoaa-2080	272	1	3.20.2	3.20.2	NUM
ajoaa-2080	272	2	.	.	X
ajoaa-2080	272	3	alternative	alternative	ADJ
ajoaa-2080	272	4	employment	employment	NOUN
ajoaa-2080	272	5	the	the	DET
ajoaa-2080	272	6	need	need	NOUN
ajoaa-2080	272	7	for	for	SCONJ
ajoaa-2080	272	8	a	a	DET
ajoaa-2080	272	9	farmer	farmer	NOUN
ajoaa-2080	272	10	to	to	PART
ajoaa-2080	272	11	have	have	VERB
ajoaa-2080	272	12	alternative	alternative	ADJ
ajoaa-2080	272	13	employment	employment	NOUN
ajoaa-2080	272	14	scored	score	VERB
ajoaa-2080	272	15	another	another	DET
ajoaa-2080	272	16	low	low	ADJ
ajoaa-2080	272	17	rii	rii	NOUN
ajoaa-2080	272	18	of	of	ADP
ajoaa-2080	272	19	0.54	0.54	NUM
ajoaa-2080	272	20	,	,	PUNCT
ajoaa-2080	272	21	which	which	PRON
ajoaa-2080	272	22	also	also	ADV
ajoaa-2080	272	23	fell	fall	VERB
ajoaa-2080	272	24	within	within	ADP
ajoaa-2080	272	25	the	the	DET
ajoaa-2080	272	26	medium	medium	ADJ
ajoaa-2080	272	27	importance	importance	NOUN
ajoaa-2080	272	28	category	category	NOUN
ajoaa-2080	272	29	(	(	PUNCT
ajoaa-2080	272	30	table	table	NOUN
ajoaa-2080	272	31	1	1	NUM
ajoaa-2080	272	32	)	)	PUNCT
ajoaa-2080	272	33	.	.	PUNCT
ajoaa-2080	273	1	only	only	ADV
ajoaa-2080	273	2	one	one	NUM
ajoaa-2080	273	3	bank	bank	NOUN
ajoaa-2080	273	4	(	(	PUNCT
ajoaa-2080	273	5	cb7	cb7	PROPN
ajoaa-2080	273	6	)	)	PUNCT
ajoaa-2080	273	7	always	always	ADV
ajoaa-2080	273	8	considered	consider	VERB
ajoaa-2080	273	9	the	the	DET
ajoaa-2080	273	10	farmers	farmer	NOUN
ajoaa-2080	273	11	'	'	PART
ajoaa-2080	273	12	alternative	alternative	ADJ
ajoaa-2080	273	13	employment	employment	NOUN
ajoaa-2080	273	14	because	because	SCONJ
ajoaa-2080	273	15	it	it	PRON
ajoaa-2080	273	16	guaranteed	guarantee	VERB
ajoaa-2080	273	17	the	the	DET
ajoaa-2080	273	18	repayment	repayment	NOUN
ajoaa-2080	273	19	of	of	ADP
ajoaa-2080	273	20	the	the	DET
ajoaa-2080	273	21	loan	loan	NOUN
ajoaa-2080	273	22	in	in	ADP
ajoaa-2080	273	23	case	case	NOUN
ajoaa-2080	273	24	of	of	ADP
ajoaa-2080	273	25	the	the	DET
ajoaa-2080	273	26	agricultural	agricultural	ADJ
ajoaa-2080	273	27	project	project	NOUN
ajoaa-2080	273	28	's	's	PART
ajoaa-2080	273	29	failure	failure	NOUN
ajoaa-2080	273	30	.	.	PUNCT
ajoaa-2080	274	1	cb1	cb1	PROPN
ajoaa-2080	274	2	,	,	PUNCT
ajoaa-2080	274	3	which	which	PRON
ajoaa-2080	274	4	sometimes	sometimes	ADV
ajoaa-2080	274	5	considered	consider	VERB
ajoaa-2080	274	6	this	this	DET
ajoaa-2080	274	7	lending	lending	NOUN
ajoaa-2080	274	8	requirement	requirement	NOUN
ajoaa-2080	274	9	,	,	PUNCT
ajoaa-2080	274	10	stated	state	VERB
ajoaa-2080	274	11	that	that	SCONJ
ajoaa-2080	274	12	"	"	PUNCT
ajoaa-2080	274	13	a	a	DET
ajoaa-2080	274	14	diversified	diversified	ADJ
ajoaa-2080	274	15	portfolio	portfolio	NOUN
ajoaa-2080	274	16	of	of	ADP
ajoaa-2080	274	17	income	income	NOUN
ajoaa-2080	274	18	is	be	AUX
ajoaa-2080	274	19	not	not	PART
ajoaa-2080	274	20	a	a	DET
ajoaa-2080	274	21	key	key	ADJ
ajoaa-2080	274	22	requirement	requirement	NOUN
ajoaa-2080	274	23	,	,	PUNCT
ajoaa-2080	274	24	but	but	CCONJ
ajoaa-2080	274	25	an	an	DET
ajoaa-2080	274	26	advantage	advantage	NOUN
ajoaa-2080	274	27	for	for	ADP
ajoaa-2080	274	28	gaining	gain	VERB
ajoaa-2080	274	29	credit	credit	NOUN
ajoaa-2080	274	30	access	access	NOUN
ajoaa-2080	274	31	"	"	PUNCT
ajoaa-2080	274	32	.	.	PUNCT
ajoaa-2080	275	1	this	this	PRON
ajoaa-2080	275	2	validates	validate	VERB
ajoaa-2080	275	3	reports	report	NOUN
ajoaa-2080	275	4	that	that	SCONJ
ajoaa-2080	275	5	loans	loan	NOUN
ajoaa-2080	275	6	in	in	ADP
ajoaa-2080	275	7	zimbabwe	zimbabwe	PROPN
ajoaa-2080	275	8	are	be	AUX
ajoaa-2080	275	9	easily	easily	ADV
ajoaa-2080	275	10	accessed	access	VERB
ajoaa-2080	275	11	by	by	ADP
ajoaa-2080	275	12	individuals	individual	NOUN
ajoaa-2080	275	13	who	who	PRON
ajoaa-2080	275	14	have	have	VERB
ajoaa-2080	275	15	proof	proof	NOUN
ajoaa-2080	275	16	of	of	ADP
ajoaa-2080	275	17	alternative	alternative	ADJ
ajoaa-2080	275	18	employment	employment	NOUN
ajoaa-2080	275	19	like	like	ADP
ajoaa-2080	275	20	payslips	payslip	NOUN
ajoaa-2080	275	21	because	because	SCONJ
ajoaa-2080	275	22	they	they	PRON
ajoaa-2080	275	23	are	be	AUX
ajoaa-2080	275	24	perceived	perceive	VERB
ajoaa-2080	275	25	as	as	ADP
ajoaa-2080	275	26	less	less	ADV
ajoaa-2080	275	27	risky	risky	ADJ
ajoaa-2080	275	28	by	by	ADP
ajoaa-2080	275	29	banks	bank	NOUN
ajoaa-2080	275	30	(	(	PUNCT
ajoaa-2080	275	31	facasi	facasi	NOUN
ajoaa-2080	275	32	,	,	PUNCT
ajoaa-2080	275	33	2015	2015	NUM
ajoaa-2080	275	34	)	)	PUNCT
ajoaa-2080	275	35	.	.	PUNCT
ajoaa-2080	276	1	on	on	ADP
ajoaa-2080	276	2	the	the	DET
ajoaa-2080	276	3	other	other	ADJ
ajoaa-2080	276	4	hand	hand	NOUN
ajoaa-2080	276	5	,	,	PUNCT
ajoaa-2080	276	6	three	three	NUM
ajoaa-2080	276	7	banks	bank	NOUN
ajoaa-2080	276	8	sometimes	sometimes	ADV
ajoaa-2080	276	9	considered	consider	VERB
ajoaa-2080	276	10	this	this	DET
ajoaa-2080	276	11	lending	lending	NOUN
ajoaa-2080	276	12	requirement	requirement	NOUN
ajoaa-2080	276	13	,	,	PUNCT
ajoaa-2080	276	14	whereas	whereas	SCONJ
ajoaa-2080	276	15	the	the	DET
ajoaa-2080	276	16	other	other	ADJ
ajoaa-2080	276	17	three	three	NUM
ajoaa-2080	276	18	never	never	ADV
ajoaa-2080	276	19	considered	consider	VERB
ajoaa-2080	276	20	it	it	PRON
ajoaa-2080	276	21	in	in	ADP
ajoaa-2080	276	22	lending	lend	VERB
ajoaa-2080	276	23	to	to	ADP
ajoaa-2080	276	24	farmers	farmer	NOUN
ajoaa-2080	276	25	.	.	PUNCT
ajoaa-2080	277	1	expounding	expound	VERB
ajoaa-2080	277	2	why	why	SCONJ
ajoaa-2080	277	3	it	it	PRON
ajoaa-2080	277	4	never	never	ADV
ajoaa-2080	277	5	considered	consider	VERB
ajoaa-2080	277	6	alternative	alternative	ADJ
ajoaa-2080	277	7	farmer	farmer	NOUN
ajoaa-2080	277	8	employment	employment	NOUN
ajoaa-2080	277	9	in	in	ADP
ajoaa-2080	277	10	granting	grant	VERB
ajoaa-2080	277	11	loans	loan	NOUN
ajoaa-2080	277	12	,	,	PUNCT
ajoaa-2080	277	13	cb1	cb1	PROPN
ajoaa-2080	277	14	underscored	underscore	VERB
ajoaa-2080	277	15	that	that	SCONJ
ajoaa-2080	277	16	a	a	DET
ajoaa-2080	277	17	full	full	ADJ
ajoaa-2080	277	18	-	-	PUNCT
ajoaa-2080	277	19	time	time	NOUN
ajoaa-2080	277	20	farmer	farmer	NOUN
ajoaa-2080	277	21	was	be	AUX
ajoaa-2080	277	22	preferable	preferable	ADJ
ajoaa-2080	277	23	than	than	ADP
ajoaa-2080	277	24	the	the	DET
ajoaa-2080	277	25	one	one	NOUN
ajoaa-2080	277	26	involved	involve	VERB
ajoaa-2080	277	27	in	in	ADP
ajoaa-2080	277	28	other	other	ADJ
ajoaa-2080	277	29	activities	activity	NOUN
ajoaa-2080	277	30	off	off	ADP
ajoaa-2080	277	31	the	the	DET
ajoaa-2080	277	32	farm	farm	NOUN
ajoaa-2080	277	33	because	because	SCONJ
ajoaa-2080	277	34	the	the	DET
ajoaa-2080	277	35	presence	presence	NOUN
ajoaa-2080	277	36	of	of	ADP
ajoaa-2080	277	37	a	a	DET
ajoaa-2080	277	38	full	full	ADJ
ajoaa-2080	277	39	-	-	PUNCT
ajoaa-2080	277	40	time	time	NOUN
ajoaa-2080	277	41	farmer	farmer	NOUN
ajoaa-2080	277	42	on	on	ADP
ajoaa-2080	277	43	the	the	DET
ajoaa-2080	277	44	ground	ground	NOUN
ajoaa-2080	277	45	at	at	ADP
ajoaa-2080	277	46	all	all	DET
ajoaa-2080	277	47	times	time	NOUN
ajoaa-2080	277	48	helps	help	VERB
ajoaa-2080	277	49	in	in	ADP
ajoaa-2080	277	50	reducing	reduce	VERB
ajoaa-2080	277	51	theft	theft	NOUN
ajoaa-2080	277	52	risk	risk	NOUN
ajoaa-2080	277	53	.	.	PUNCT
ajoaa-2080	278	1	the	the	DET
ajoaa-2080	278	2	bank	bank	NOUN
ajoaa-2080	278	3	also	also	ADV
ajoaa-2080	278	4	argued	argue	VERB
ajoaa-2080	278	5	that	that	SCONJ
ajoaa-2080	278	6	a	a	DET
ajoaa-2080	278	7	full	full	ADJ
ajoaa-2080	278	8	-	-	PUNCT
ajoaa-2080	278	9	time	time	NOUN
ajoaa-2080	278	10	farmer	farmer	NOUN
ajoaa-2080	278	11	results	result	VERB
ajoaa-2080	278	12	in	in	ADP
ajoaa-2080	278	13	better	well	ADJ
ajoaa-2080	278	14	management	management	NOUN
ajoaa-2080	278	15	of	of	ADP
ajoaa-2080	278	16	the	the	DET
ajoaa-2080	278	17	farm	farm	NOUN
ajoaa-2080	278	18	.	.	PUNCT
ajoaa-2080	279	1	3.20.3	3.20.3	NUM
ajoaa-2080	279	2	.	.	PUNCT
ajoaa-2080	280	1	freehold	freehold	PROPN
ajoaa-2080	280	2	land	land	PROPN
ajoaa-2080	280	3	ownership	ownership	PROPN
ajoaa-2080	280	4	the	the	DET
ajoaa-2080	280	5	requirement	requirement	NOUN
ajoaa-2080	280	6	for	for	ADP
ajoaa-2080	280	7	farm	farm	NOUN
ajoaa-2080	280	8	title	title	NOUN
ajoaa-2080	280	9	deeds	deed	NOUN
ajoaa-2080	280	10	or	or	CCONJ
ajoaa-2080	280	11	freehold	freehold	PROPN
ajoaa-2080	280	12	land	land	NOUN
ajoaa-2080	280	13	ownership	ownership	NOUN
ajoaa-2080	280	14	also	also	ADV
ajoaa-2080	280	15	scored	score	VERB
ajoaa-2080	280	16	a	a	DET
ajoaa-2080	280	17	low	low	ADJ
ajoaa-2080	280	18	rii	rii	NOUN
ajoaa-2080	280	19	of	of	ADP
ajoaa-2080	280	20	0.54	0.54	NUM
ajoaa-2080	280	21	in	in	ADP
ajoaa-2080	280	22	the	the	DET
ajoaa-2080	280	23	medium	medium	ADJ
ajoaa-2080	280	24	importance	importance	NOUN
ajoaa-2080	280	25	category	category	NOUN
ajoaa-2080	280	26	(	(	PUNCT
ajoaa-2080	280	27	table	table	NOUN
ajoaa-2080	280	28	1	1	NUM
ajoaa-2080	280	29	)	)	PUNCT
ajoaa-2080	280	30	.	.	PUNCT
ajoaa-2080	281	1	only	only	ADV
ajoaa-2080	281	2	one	one	NUM
ajoaa-2080	281	3	bank	bank	NOUN
ajoaa-2080	281	4	(	(	PUNCT
ajoaa-2080	281	5	cb2	cb2	PROPN
ajoaa-2080	281	6	)	)	PUNCT
ajoaa-2080	281	7	emphasized	emphasize	VERB
ajoaa-2080	281	8	that	that	SCONJ
ajoaa-2080	281	9	it	it	PRON
ajoaa-2080	281	10	required	require	VERB
ajoaa-2080	281	11	farm	farm	NOUN
ajoaa-2080	281	12	title	title	NOUN
ajoaa-2080	281	13	deeds	deed	NOUN
ajoaa-2080	281	14	to	to	PART
ajoaa-2080	281	15	extend	extend	VERB
ajoaa-2080	281	16	bank	bank	NOUN
ajoaa-2080	281	17	credit	credit	NOUN
ajoaa-2080	281	18	to	to	ADP
ajoaa-2080	281	19	a	a	DET
ajoaa-2080	281	20	farmer	farmer	NOUN
ajoaa-2080	281	21	,	,	PUNCT
ajoaa-2080	281	22	while	while	SCONJ
ajoaa-2080	281	23	three	three	NUM
ajoaa-2080	281	24	banks	bank	NOUN
ajoaa-2080	281	25	sometimes	sometimes	ADV
ajoaa-2080	281	26	considered	consider	VERB
ajoaa-2080	281	27	them	they	PRON
ajoaa-2080	281	28	,	,	PUNCT
ajoaa-2080	281	29	and	and	CCONJ
ajoaa-2080	281	30	four	four	NUM
ajoaa-2080	281	31	never	never	ADV
ajoaa-2080	281	32	considered	consider	VERB
ajoaa-2080	281	33	them	they	PRON
ajoaa-2080	281	34	altogether	altogether	ADV
ajoaa-2080	281	35	.	.	PUNCT
ajoaa-2080	282	1	some	some	PRON
ajoaa-2080	282	2	of	of	ADP
ajoaa-2080	282	3	the	the	DET
ajoaa-2080	282	4	banks	bank	NOUN
ajoaa-2080	282	5	highlighted	highlight	VERB
ajoaa-2080	282	6	that	that	SCONJ
ajoaa-2080	282	7	where	where	SCONJ
ajoaa-2080	282	8	there	there	PRON
ajoaa-2080	282	9	was	be	VERB
ajoaa-2080	282	10	solid	solid	ADJ
ajoaa-2080	282	11	proof	proof	NOUN
ajoaa-2080	282	12	of	of	ADP
ajoaa-2080	282	13	project	project	NOUN
ajoaa-2080	282	14	viability	viability	NOUN
ajoaa-2080	282	15	,	,	PUNCT
ajoaa-2080	282	16	they	they	PRON
ajoaa-2080	282	17	accepted	accept	VERB
ajoaa-2080	282	18	the	the	DET
ajoaa-2080	282	19	99	99	NUM
ajoaa-2080	282	20	-	-	PUNCT
ajoaa-2080	282	21	year	year	NOUN
ajoaa-2080	282	22	lease	lease	NOUN
ajoaa-2080	282	23	document	document	NOUN
ajoaa-2080	282	24	and	and	CCONJ
ajoaa-2080	282	25	also	also	ADV
ajoaa-2080	282	26	adopted	adopt	VERB
ajoaa-2080	282	27	cashflow	cashflow	ADJ
ajoaa-2080	282	28	based	base	VERB
ajoaa-2080	282	29	instead	instead	ADV
ajoaa-2080	282	30	of	of	ADP
ajoaa-2080	282	31	collateral	collateral	NOUN
ajoaa-2080	282	32	-	-	PUNCT
ajoaa-2080	282	33	based	base	VERB
ajoaa-2080	282	34	lending	lending	NOUN
ajoaa-2080	282	35	.	.	PUNCT
ajoaa-2080	283	1	these	these	DET
ajoaa-2080	283	2	results	result	NOUN
ajoaa-2080	283	3	were	be	AUX
ajoaa-2080	283	4	quite	quite	ADV
ajoaa-2080	283	5	unexpected	unexpected	ADJ
ajoaa-2080	283	6	to	to	ADP
ajoaa-2080	283	7	the	the	DET
ajoaa-2080	283	8	researcher	researcher	NOUN
ajoaa-2080	283	9	,	,	PUNCT
ajoaa-2080	283	10	who	who	PRON
ajoaa-2080	283	11	expected	expect	VERB
ajoaa-2080	283	12	freehold	freehold	PROPN
ajoaa-2080	283	13	land	land	NOUN
ajoaa-2080	283	14	ownership	ownership	NOUN
ajoaa-2080	283	15	to	to	PART
ajoaa-2080	283	16	be	be	AUX
ajoaa-2080	283	17	the	the	DET
ajoaa-2080	283	18	key	key	ADJ
ajoaa-2080	283	19	lending	lending	NOUN
ajoaa-2080	283	20	requirement	requirement	NOUN
ajoaa-2080	283	21	in	in	ADP
ajoaa-2080	283	22	local	local	ADJ
ajoaa-2080	283	23	banks	bank	NOUN
ajoaa-2080	283	24	in	in	ADP
ajoaa-2080	283	25	light	light	NOUN
ajoaa-2080	283	26	of	of	ADP
ajoaa-2080	283	27	the	the	DET
ajoaa-2080	283	28	available	available	ADJ
ajoaa-2080	283	29	literature	literature	NOUN
ajoaa-2080	283	30	,	,	PUNCT
ajoaa-2080	283	31	which	which	PRON
ajoaa-2080	283	32	propounds	propound	VERB
ajoaa-2080	283	33	that	that	SCONJ
ajoaa-2080	283	34	most	most	ADJ
ajoaa-2080	283	35	farmers	farmer	NOUN
ajoaa-2080	283	36	are	be	AUX
ajoaa-2080	283	37	denied	deny	VERB
ajoaa-2080	283	38	credit	credit	NOUN
ajoaa-2080	283	39	access	access	NOUN
ajoaa-2080	283	40	by	by	ADP
ajoaa-2080	283	41	local	local	ADJ
ajoaa-2080	283	42	banks	bank	NOUN
ajoaa-2080	283	43	because	because	SCONJ
ajoaa-2080	283	44	they	they	PRON
ajoaa-2080	283	45	are	be	AUX
ajoaa-2080	283	46	required	require	VERB
ajoaa-2080	283	47	to	to	PART
ajoaa-2080	283	48	produce	produce	VERB
ajoaa-2080	283	49	farm	farm	NOUN
ajoaa-2080	283	50	title	title	NOUN
ajoaa-2080	283	51	deeds	deed	NOUN
ajoaa-2080	283	52	,	,	PUNCT
ajoaa-2080	283	53	which	which	PRON
ajoaa-2080	283	54	they	they	PRON
ajoaa-2080	283	55	do	do	AUX
ajoaa-2080	283	56	not	not	PART
ajoaa-2080	283	57	have	have	VERB
ajoaa-2080	283	58	because	because	SCONJ
ajoaa-2080	283	59	the	the	DET
ajoaa-2080	283	60	state	state	NOUN
ajoaa-2080	283	61	wholly	wholly	ADV
ajoaa-2080	283	62	owns	own	VERB
ajoaa-2080	283	63	their	their	PRON
ajoaa-2080	283	64	land	land	NOUN
ajoaa-2080	283	65	(	(	PUNCT
ajoaa-2080	283	66	masiyandima	masiyandima	PROPN
ajoaa-2080	283	67	et	et	PROPN
ajoaa-2080	283	68	al	al	PROPN
ajoaa-2080	283	69	.	.	PROPN
ajoaa-2080	283	70	,	,	PUNCT
ajoaa-2080	283	71	2011	2011	NUM
ajoaa-2080	283	72	;	;	PUNCT
ajoaa-2080	283	73	ministry	ministry	NOUN
ajoaa-2080	283	74	of	of	ADP
ajoaa-2080	283	75	agriculture	agriculture	PROPN
ajoaa-2080	283	76	,	,	PUNCT
ajoaa-2080	283	77	2013	2013	NUM
ajoaa-2080	283	78	;	;	PUNCT
ajoaa-2080	283	79	richardson	richardson	PROPN
ajoaa-2080	283	80	,	,	PUNCT
ajoaa-2080	283	81	2005	2005	NUM
ajoaa-2080	283	82	;	;	PUNCT
ajoaa-2080	283	83	vitoria	vitoria	PROPN
ajoaa-2080	283	84	et	et	PROPN
ajoaa-2080	283	85	al	al	PROPN
ajoaa-2080	283	86	.	.	PROPN
ajoaa-2080	283	87	,	,	PUNCT
ajoaa-2080	283	88	2012	2012	NUM
ajoaa-2080	283	89	)	)	PUNCT
ajoaa-2080	283	90	.	.	PUNCT
ajoaa-2080	284	1	three	three	NUM
ajoaa-2080	284	2	banks	bank	NOUN
ajoaa-2080	284	3	(	(	PUNCT
ajoaa-2080	284	4	cb1	cb1	PROPN
ajoaa-2080	284	5	;	;	PUNCT
ajoaa-2080	284	6	cb3	cb3	PROPN
ajoaa-2080	284	7	and	and	CCONJ
ajoaa-2080	284	8	cb4	cb4	PROPN
ajoaa-2080	284	9	)	)	PUNCT
ajoaa-2080	284	10	went	go	VERB
ajoaa-2080	284	11	on	on	ADP
ajoaa-2080	284	12	to	to	PART
ajoaa-2080	284	13	highlight	highlight	VERB
ajoaa-2080	284	14	that	that	SCONJ
ajoaa-2080	284	15	even	even	ADV
ajoaa-2080	284	16	if	if	SCONJ
ajoaa-2080	284	17	they	they	PRON
ajoaa-2080	284	18	practiced	practice	VERB
ajoaa-2080	284	19	more	more	ADJ
ajoaa-2080	284	20	of	of	ADP
ajoaa-2080	284	21	cash	cash	NOUN
ajoaa-2080	284	22	flow	flow	NOUN
ajoaa-2080	284	23	based	base	VERB
ajoaa-2080	284	24	lending	lending	NOUN
ajoaa-2080	284	25	,	,	PUNCT
ajoaa-2080	284	26	every	every	DET
ajoaa-2080	284	27	loan	loan	NOUN
ajoaa-2080	284	28	in	in	ADP
ajoaa-2080	284	29	primary	primary	ADJ
ajoaa-2080	284	30	agriculture	agriculture	NOUN
ajoaa-2080	284	31	had	have	VERB
ajoaa-2080	284	32	to	to	PART
ajoaa-2080	284	33	be	be	AUX
ajoaa-2080	284	34	backed	back	VERB
ajoaa-2080	284	35	by	by	ADP
ajoaa-2080	284	36	off	off	ADP
ajoaa-2080	284	37	-	-	PUNCT
ajoaa-2080	284	38	farm	farm	NOUN
ajoaa-2080	284	39	titled	title	VERB
ajoaa-2080	284	40	collateral	collateral	NOUN
ajoaa-2080	284	41	in	in	ADP
ajoaa-2080	284	42	light	light	NOUN
ajoaa-2080	284	43	of	of	ADP
ajoaa-2080	284	44	the	the	DET
ajoaa-2080	284	45	lack	lack	NOUN
ajoaa-2080	284	46	of	of	ADP
ajoaa-2080	284	47	land	land	NOUN
ajoaa-2080	284	48	titles	title	NOUN
ajoaa-2080	284	49	among	among	ADP
ajoaa-2080	284	50	land	land	NOUN
ajoaa-2080	284	51	reform	reform	NOUN
ajoaa-2080	284	52	beneficiaries	beneficiary	NOUN
ajoaa-2080	284	53	in	in	ADP
ajoaa-2080	284	54	zimbabwe	zimbabwe	ADJ
ajoaa-2080	284	55	(	(	PUNCT
ajoaa-2080	284	56	figure	figure	NOUN
ajoaa-2080	284	57	5	5	NUM
ajoaa-2080	284	58	)	)	PUNCT
ajoaa-2080	284	59	.	.	PUNCT
ajoaa-2080	285	1	therefore	therefore	ADV
ajoaa-2080	285	2	,	,	PUNCT
ajoaa-2080	285	3	based	base	VERB
ajoaa-2080	285	4	on	on	ADP
ajoaa-2080	285	5	these	these	DET
ajoaa-2080	285	6	findings	finding	NOUN
ajoaa-2080	285	7	,	,	PUNCT
ajoaa-2080	285	8	this	this	DET
ajoaa-2080	285	9	study	study	NOUN
ajoaa-2080	285	10	infers	infer	NOUN
ajoaa-2080	285	11	that	that	PRON
ajoaa-2080	285	12	as	as	ADV
ajoaa-2080	285	13	long	long	ADV
ajoaa-2080	285	14	as	as	SCONJ
ajoaa-2080	285	15	the	the	DET
ajoaa-2080	285	16	farmers	farmer	NOUN
ajoaa-2080	285	17	who	who	PRON
ajoaa-2080	285	18	benefitted	benefit	VERB
ajoaa-2080	285	19	untitled	untitled	ADJ
ajoaa-2080	285	20	land	land	NOUN
ajoaa-2080	285	21	under	under	ADP
ajoaa-2080	285	22	the	the	DET
ajoaa-2080	285	23	ftlrp	ftlrp	PROPN
ajoaa-2080	285	24	do	do	AUX
ajoaa-2080	285	25	not	not	PART
ajoaa-2080	285	26	have	have	AUX
ajoaa-2080	285	27	titled	title	VERB
ajoaa-2080	285	28	property	property	NOUN
ajoaa-2080	285	29	off	off	ADP
ajoaa-2080	285	30	the	the	DET
ajoaa-2080	285	31	farm	farm	NOUN
ajoaa-2080	285	32	to	to	PART
ajoaa-2080	285	33	pledge	pledge	VERB
ajoaa-2080	285	34	as	as	ADP
ajoaa-2080	285	35	collateral	collateral	NOUN
ajoaa-2080	285	36	,	,	PUNCT
ajoaa-2080	285	37	then	then	ADV
ajoaa-2080	285	38	their	their	PRON
ajoaa-2080	285	39	chances	chance	NOUN
ajoaa-2080	285	40	of	of	ADP
ajoaa-2080	285	41	accessing	access	VERB
ajoaa-2080	285	42	bank	bank	NOUN
ajoaa-2080	285	43	credit	credit	NOUN
ajoaa-2080	285	44	in	in	ADP
ajoaa-2080	285	45	zimbabwe	zimbabwe	PROPN
ajoaa-2080	285	46	are	be	AUX
ajoaa-2080	285	47	very	very	ADV
ajoaa-2080	285	48	slim	slim	ADJ
ajoaa-2080	285	49	.	.	PUNCT
ajoaa-2080	286	1	these	these	DET
ajoaa-2080	286	2	findings	finding	NOUN
ajoaa-2080	286	3	are	be	AUX
ajoaa-2080	286	4	also	also	ADV
ajoaa-2080	286	5	corroborated	corroborate	VERB
ajoaa-2080	286	6	by	by	ADP
ajoaa-2080	286	7	several	several	ADJ
ajoaa-2080	286	8	studies	study	NOUN
ajoaa-2080	286	9	which	which	PRON
ajoaa-2080	286	10	claim	claim	VERB
ajoaa-2080	286	11	that	that	SCONJ
ajoaa-2080	286	12	local	local	ADJ
ajoaa-2080	286	13	banks	bank	NOUN
ajoaa-2080	286	14	are	be	AUX
ajoaa-2080	286	15	reluctant	reluctant	ADJ
ajoaa-2080	286	16	to	to	PART
ajoaa-2080	286	17	lend	lend	VERB
ajoaa-2080	286	18	to	to	ADP
ajoaa-2080	286	19	farmers	farmer	NOUN
ajoaa-2080	286	20	under	under	ADP
ajoaa-2080	286	21	the	the	DET
ajoaa-2080	286	22	current	current	ADJ
ajoaa-2080	286	23	land	land	NOUN
ajoaa-2080	286	24	tenure	tenure	NOUN
ajoaa-2080	286	25	system	system	NOUN
ajoaa-2080	286	26	of	of	ADP
ajoaa-2080	286	27	user	user	NOUN
ajoaa-2080	286	28	rights	right	NOUN
ajoaa-2080	286	29	,	,	PUNCT
ajoaa-2080	286	30	but	but	CCONJ
ajoaa-2080	286	31	instead	instead	ADV
ajoaa-2080	286	32	demand	demand	VERB
ajoaa-2080	286	33	upfront	upfront	ADJ
ajoaa-2080	286	34	immovable	immovable	ADJ
ajoaa-2080	286	35	and	and	CCONJ
ajoaa-2080	286	36	titled	title	VERB
ajoaa-2080	286	37	property	property	NOUN
ajoaa-2080	286	38	(	(	PUNCT
ajoaa-2080	286	39	masiyandima	masiyandima	PROPN
ajoaa-2080	286	40	et	et	PROPN
ajoaa-2080	286	41	al	al	PROPN
ajoaa-2080	286	42	.	.	PROPN
ajoaa-2080	286	43	,	,	PUNCT
ajoaa-2080	286	44	2011	2011	NUM
ajoaa-2080	286	45	;	;	PUNCT
ajoaa-2080	286	46	nyamutowa	nyamutowa	NOUN
ajoaa-2080	286	47	and	and	CCONJ
ajoaa-2080	286	48	masunda	masunda	NOUN
ajoaa-2080	286	49	,	,	PUNCT
ajoaa-2080	286	50	2013	2013	NUM
ajoaa-2080	286	51	;	;	PUNCT
ajoaa-2080	286	52	richardson	richardson	PROPN
ajoaa-2080	286	53	,	,	PUNCT
ajoaa-2080	286	54	2005	2005	NUM
ajoaa-2080	286	55	;	;	PUNCT
ajoaa-2080	286	56	vitoria	vitoria	PROPN
ajoaa-2080	286	57	et	et	PROPN
ajoaa-2080	286	58	al	al	PROPN
ajoaa-2080	286	59	.	.	PROPN
ajoaa-2080	286	60	,	,	PUNCT
ajoaa-2080	286	61	2012	2012	NUM
ajoaa-2080	286	62	)	)	PUNCT
ajoaa-2080	286	63	.	.	PUNCT
ajoaa-2080	287	1	figure	figure	VERB
ajoaa-2080	287	2	5	5	NUM
ajoaa-2080	287	3	:	:	PUNCT
ajoaa-2080	287	4	word	word	NOUN
ajoaa-2080	287	5	tree	tree	NOUN
ajoaa-2080	287	6	output	output	NOUN
ajoaa-2080	287	7	for	for	ADP
ajoaa-2080	287	8	the	the	DET
ajoaa-2080	287	9	word	word	NOUN
ajoaa-2080	287	10	collateral	collateral	NOUN
ajoaa-2080	287	11	source	source	NOUN
ajoaa-2080	287	12	:	:	PUNCT
ajoaa-2080	287	13	primary	primary	ADJ
ajoaa-2080	287	14	data	data	PROPN
ajoaa-2080	287	15	,	,	PUNCT
ajoaa-2080	287	16	2019	2019	NUM
ajoaa-2080	287	17	asian	asian	ADJ
ajoaa-2080	287	18	journal	journal	NOUN
ajoaa-2080	287	19	of	of	ADP
ajoaa-2080	287	20	agriculture	agriculture	NOUN
ajoaa-2080	287	21	and	and	CCONJ
ajoaa-2080	287	22	rural	rural	ADJ
ajoaa-2080	287	23	development	development	NOUN
ajoaa-2080	287	24	,	,	PUNCT
ajoaa-2080	287	25	10(2)2020	10(2)2020	NUM
ajoaa-2080	287	26	:	:	PUNCT
ajoaa-2080	287	27	628	628	NUM
ajoaa-2080	287	28	-	-	SYM
ajoaa-2080	287	29	644	644	NUM
ajoaa-2080	287	30	641	641	NUM
ajoaa-2080	287	31	4	4	NUM
ajoaa-2080	287	32	.	.	PUNCT
ajoaa-2080	288	1	conclusion	conclusion	NOUN
ajoaa-2080	288	2	and	and	CCONJ
ajoaa-2080	288	3	recommendations	recommendation	NOUN
ajoaa-2080	288	4	commercial	commercial	ADJ
ajoaa-2080	288	5	banks	bank	NOUN
ajoaa-2080	288	6	in	in	ADP
ajoaa-2080	288	7	zimbabwe	zimbabwe	PROPN
ajoaa-2080	288	8	consider	consider	VERB
ajoaa-2080	288	9	multiple	multiple	ADJ
ajoaa-2080	288	10	requirements	requirement	NOUN
ajoaa-2080	288	11	for	for	ADP
ajoaa-2080	288	12	assessing	assess	VERB
ajoaa-2080	288	13	agricultural	agricultural	ADJ
ajoaa-2080	288	14	loan	loan	NOUN
ajoaa-2080	288	15	applications	application	NOUN
ajoaa-2080	288	16	.	.	PUNCT
ajoaa-2080	289	1	credit	credit	NOUN
ajoaa-2080	289	2	history	history	NOUN
ajoaa-2080	289	3	,	,	PUNCT
ajoaa-2080	289	4	registered	register	VERB
ajoaa-2080	289	5	business	business	NOUN
ajoaa-2080	289	6	,	,	PUNCT
ajoaa-2080	289	7	irrigation	irrigation	NOUN
ajoaa-2080	289	8	,	,	PUNCT
ajoaa-2080	289	9	loan	loan	NOUN
ajoaa-2080	289	10	purpose	purpose	NOUN
ajoaa-2080	289	11	and	and	CCONJ
ajoaa-2080	289	12	repayment	repayment	NOUN
ajoaa-2080	289	13	source	source	NOUN
ajoaa-2080	289	14	are	be	AUX
ajoaa-2080	289	15	their	their	PRON
ajoaa-2080	289	16	major	major	ADJ
ajoaa-2080	289	17	considerations	consideration	NOUN
ajoaa-2080	289	18	for	for	ADP
ajoaa-2080	289	19	lending	lend	VERB
ajoaa-2080	289	20	to	to	ADP
ajoaa-2080	289	21	farmers	farmer	NOUN
ajoaa-2080	289	22	in	in	ADP
ajoaa-2080	289	23	zimbabwe	zimbabwe	PROPN
ajoaa-2080	289	24	.	.	PUNCT
ajoaa-2080	290	1	therefore	therefore	ADV
ajoaa-2080	290	2	,	,	PUNCT
ajoaa-2080	290	3	the	the	DET
ajoaa-2080	290	4	government	government	NOUN
ajoaa-2080	290	5	of	of	ADP
ajoaa-2080	290	6	zimbabwe	zimbabwe	PROPN
ajoaa-2080	290	7	should	should	AUX
ajoaa-2080	290	8	not	not	PART
ajoaa-2080	290	9	only	only	ADV
ajoaa-2080	290	10	focus	focus	VERB
ajoaa-2080	290	11	on	on	ADP
ajoaa-2080	290	12	solving	solve	VERB
ajoaa-2080	290	13	the	the	DET
ajoaa-2080	290	14	collateral	collateral	ADJ
ajoaa-2080	290	15	problem	problem	NOUN
ajoaa-2080	290	16	,	,	PUNCT
ajoaa-2080	290	17	but	but	CCONJ
ajoaa-2080	290	18	also	also	ADV
ajoaa-2080	290	19	other	other	ADJ
ajoaa-2080	290	20	lending	lending	NOUN
ajoaa-2080	290	21	requirements	requirement	NOUN
ajoaa-2080	290	22	by	by	ADP
ajoaa-2080	290	23	banks	bank	NOUN
ajoaa-2080	290	24	.	.	PUNCT
ajoaa-2080	291	1	farmers	farmer	NOUN
ajoaa-2080	291	2	are	be	AUX
ajoaa-2080	291	3	encouraged	encourage	VERB
ajoaa-2080	291	4	to	to	PART
ajoaa-2080	291	5	treat	treat	VERB
ajoaa-2080	291	6	their	their	PRON
ajoaa-2080	291	7	farming	farming	NOUN
ajoaa-2080	291	8	enterprises	enterprise	NOUN
ajoaa-2080	291	9	as	as	ADP
ajoaa-2080	291	10	businesses	business	NOUN
ajoaa-2080	291	11	,	,	PUNCT
ajoaa-2080	291	12	pursue	pursue	VERB
ajoaa-2080	291	13	training	training	NOUN
ajoaa-2080	291	14	in	in	ADP
ajoaa-2080	291	15	production	production	NOUN
ajoaa-2080	291	16	and	and	CCONJ
ajoaa-2080	291	17	management	management	NOUN
ajoaa-2080	291	18	,	,	PUNCT
ajoaa-2080	291	19	maintain	maintain	VERB
ajoaa-2080	291	20	a	a	DET
ajoaa-2080	291	21	clean	clean	ADJ
ajoaa-2080	291	22	credit	credit	NOUN
ajoaa-2080	291	23	history	history	NOUN
ajoaa-2080	291	24	and	and	CCONJ
ajoaa-2080	291	25	invest	invest	VERB
ajoaa-2080	291	26	in	in	ADP
ajoaa-2080	291	27	offfarm	offfarm	NOUN
ajoaa-2080	291	28	collateral	collateral	ADJ
ajoaa-2080	291	29	assets	asset	NOUN
ajoaa-2080	291	30	.	.	PUNCT
ajoaa-2080	292	1	funding	funding	NOUN
ajoaa-2080	292	2	:	:	PUNCT
ajoaa-2080	292	3	this	this	DET
ajoaa-2080	292	4	study	study	NOUN
ajoaa-2080	292	5	received	receive	VERB
ajoaa-2080	292	6	no	no	DET
ajoaa-2080	292	7	specific	specific	ADJ
ajoaa-2080	292	8	financial	financial	ADJ
ajoaa-2080	292	9	support	support	NOUN
ajoaa-2080	292	10	.	.	PUNCT
ajoaa-2080	293	1	competing	compete	VERB
ajoaa-2080	293	2	interests	interest	NOUN
ajoaa-2080	293	3	:	:	PUNCT
ajoaa-2080	293	4	the	the	DET
ajoaa-2080	293	5	authors	author	NOUN
ajoaa-2080	293	6	declare	declare	VERB
ajoaa-2080	293	7	that	that	SCONJ
ajoaa-2080	293	8	there	there	PRON
ajoaa-2080	293	9	is	be	VERB
ajoaa-2080	293	10	no	no	DET
ajoaa-2080	293	11	competing	compete	VERB
ajoaa-2080	293	12	interest	interest	NOUN
ajoaa-2080	293	13	.	.	PUNCT
ajoaa-2080	294	1	contributors	contributor	NOUN
ajoaa-2080	294	2	/	/	SYM
ajoaa-2080	294	3	acknowledgement	acknowledgement	NOUN
ajoaa-2080	294	4	:	:	PUNCT
ajoaa-2080	294	5	all	all	DET
ajoaa-2080	294	6	authors	author	NOUN
ajoaa-2080	294	7	participated	participate	VERB
ajoaa-2080	294	8	equally	equally	ADV
ajoaa-2080	294	9	in	in	ADP
ajoaa-2080	294	10	designing	designing	NOUN
ajoaa-2080	294	11	and	and	CCONJ
ajoaa-2080	294	12	estimation	estimation	NOUN
ajoaa-2080	294	13	of	of	ADP
ajoaa-2080	294	14	current	current	ADJ
ajoaa-2080	294	15	research	research	NOUN
ajoaa-2080	294	16	.	.	PUNCT
ajoaa-2080	295	1	views	view	NOUN
ajoaa-2080	295	2	and	and	CCONJ
ajoaa-2080	295	3	opinions	opinion	NOUN
ajoaa-2080	295	4	expressed	express	VERB
ajoaa-2080	295	5	in	in	ADP
ajoaa-2080	295	6	this	this	DET
ajoaa-2080	295	7	study	study	NOUN
ajoaa-2080	295	8	are	be	AUX
ajoaa-2080	295	9	the	the	DET
ajoaa-2080	295	10	views	view	NOUN
ajoaa-2080	295	11	and	and	CCONJ
ajoaa-2080	295	12	opinions	opinion	NOUN
ajoaa-2080	295	13	of	of	ADP
ajoaa-2080	295	14	the	the	DET
ajoaa-2080	295	15	authors	author	NOUN
ajoaa-2080	295	16	;	;	PUNCT
ajoaa-2080	295	17	the	the	DET
ajoaa-2080	295	18	asian	asian	ADJ
ajoaa-2080	295	19	journal	journal	NOUN
ajoaa-2080	295	20	of	of	ADP
ajoaa-2080	295	21	agriculture	agriculture	NOUN
ajoaa-2080	295	22	and	and	CCONJ
ajoaa-2080	295	23	rural	rural	ADJ
ajoaa-2080	295	24	development	development	NOUN
ajoaa-2080	295	25	shall	shall	AUX
ajoaa-2080	295	26	not	not	PART
ajoaa-2080	295	27	be	be	AUX
ajoaa-2080	295	28	responsible	responsible	ADJ
ajoaa-2080	295	29	or	or	CCONJ
ajoaa-2080	295	30	answerable	answerable	ADJ
ajoaa-2080	295	31	for	for	ADP
ajoaa-2080	295	32	any	any	DET
ajoaa-2080	295	33	loss	loss	NOUN
ajoaa-2080	295	34	,	,	PUNCT
ajoaa-2080	295	35	damage	damage	NOUN
ajoaa-2080	295	36	or	or	CCONJ
ajoaa-2080	295	37	liability	liability	NOUN
ajoaa-2080	295	38	,	,	PUNCT
ajoaa-2080	295	39	etc	etc	X
ajoaa-2080	295	40	.	.	X
ajoaa-2080	295	41	caused	cause	VERB
ajoaa-2080	295	42	in	in	ADP
ajoaa-2080	295	43	relation	relation	NOUN
ajoaa-2080	295	44	to	to	PART
ajoaa-2080	295	45	/	/	PUNCT
ajoaa-2080	295	46	arising	arise	VERB
ajoaa-2080	295	47	out	out	ADP
ajoaa-2080	295	48	of	of	ADP
ajoaa-2080	295	49	the	the	DET
ajoaa-2080	295	50	use	use	NOUN
ajoaa-2080	295	51	of	of	ADP
ajoaa-2080	295	52	the	the	DET
ajoaa-2080	295	53	content	content	NOUN
ajoaa-2080	295	54	.	.	PUNCT
ajoaa-2080	296	1	references	reference	NOUN
ajoaa-2080	296	2	abbadi	abbadi	NOUN
ajoaa-2080	296	3	,	,	PUNCT
ajoaa-2080	296	4	s.	s.	PROPN
ajoaa-2080	296	5	m.	m.	PROPN
ajoaa-2080	296	6	,	,	PUNCT
ajoaa-2080	296	7	&	&	CCONJ
ajoaa-2080	296	8	karsh	karsh	PROPN
ajoaa-2080	296	9	,	,	PUNCT
ajoaa-2080	296	10	s.	s.	PROPN
ajoaa-2080	296	11	m.	m.	PROPN
ajoaa-2080	296	12	a.	a.	PROPN
ajoaa-2080	296	13	(	(	PUNCT
ajoaa-2080	296	14	2013	2013	NUM
ajoaa-2080	296	15	)	)	PUNCT
ajoaa-2080	296	16	.	.	PUNCT
ajoaa-2080	297	1	methods	method	NOUN
ajoaa-2080	297	2	of	of	ADP
ajoaa-2080	297	3	evaluating	evaluate	VERB
ajoaa-2080	297	4	credit	credit	NOUN
ajoaa-2080	297	5	risk	risk	NOUN
ajoaa-2080	297	6	used	use	VERB
ajoaa-2080	297	7	by	by	ADP
ajoaa-2080	297	8	commercial	commercial	ADJ
ajoaa-2080	297	9	banks.pdf	banks.pdf	PROPN
ajoaa-2080	297	10	.	.	PUNCT
ajoaa-2080	297	11	international	international	ADJ
ajoaa-2080	297	12	research	research	PROPN
ajoaa-2080	297	13	journal	journal	NOUN
ajoaa-2080	297	14	of	of	ADP
ajoaa-2080	297	15	finance	finance	NOUN
ajoaa-2080	297	16	and	and	CCONJ
ajoaa-2080	297	17	economics	economic	NOUN
ajoaa-2080	297	18	,	,	PUNCT
ajoaa-2080	297	19	111	111	NUM
ajoaa-2080	297	20	,	,	PUNCT
ajoaa-2080	297	21	146–159	146–159	NUM
ajoaa-2080	297	22	.	.	PUNCT
ajoaa-2080	298	1	abdul	abdul	PROPN
ajoaa-2080	298	2	-	-	PUNCT
ajoaa-2080	298	3	jalil	jalil	PROPN
ajoaa-2080	298	4	,	,	PUNCT
ajoaa-2080	298	5	m.	m.	NOUN
ajoaa-2080	298	6	a.	a.	NOUN
ajoaa-2080	298	7	(	(	PUNCT
ajoaa-2080	298	8	2015	2015	NUM
ajoaa-2080	298	9	)	)	PUNCT
ajoaa-2080	298	10	.	.	PUNCT
ajoaa-2080	299	1	determinants	determinant	NOUN
ajoaa-2080	299	2	of	of	ADP
ajoaa-2080	299	3	access	access	NOUN
ajoaa-2080	299	4	to	to	ADP
ajoaa-2080	299	5	credit	credit	NOUN
ajoaa-2080	299	6	and	and	CCONJ
ajoaa-2080	299	7	its	its	PRON
ajoaa-2080	299	8	impact	impact	NOUN
ajoaa-2080	299	9	on	on	ADP
ajoaa-2080	299	10	household	household	NOUN
ajoaa-2080	299	11	food	food	NOUN
ajoaa-2080	299	12	security	security	NOUN
ajoaa-2080	299	13	in	in	ADP
ajoaa-2080	299	14	karaga	karaga	NOUN
ajoaa-2080	299	15	district	district	NOUN
ajoaa-2080	299	16	of	of	ADP
ajoaa-2080	299	17	the	the	DET
ajoaa-2080	299	18	northern	northern	ADJ
ajoaa-2080	299	19	region	region	NOUN
ajoaa-2080	299	20	of	of	ADP
ajoaa-2080	299	21	ghana	ghana	PROPN
ajoaa-2080	299	22	.	.	PUNCT
ajoaa-2080	300	1	http://dspace.knust.edu.gh/bitstream/123456789/8049/1/ma-az	http://dspace.knust.edu.gh/bitstream/123456789/8049/1/ma-az	PROPN
ajoaa-2080	300	2	abdul-jalil.pdf	abdul-jalil.pdf	PROPN
ajoaa-2080	300	3	.	.	PUNCT
ajoaa-2080	300	4	afolabi	afolabi	NOUN
ajoaa-2080	300	5	,	,	PUNCT
ajoaa-2080	300	6	l.	l.	PROPN
ajoaa-2080	300	7	(	(	PUNCT
ajoaa-2080	300	8	1998	1998	NUM
ajoaa-2080	300	9	)	)	PUNCT
ajoaa-2080	300	10	.	.	PUNCT
ajoaa-2080	301	1	monetary	monetary	ADJ
ajoaa-2080	301	2	economics	economic	NOUN
ajoaa-2080	301	3	.	.	PUNCT
ajoaa-2080	302	1	perry	perry	PROPN
ajoaa-2080	302	2	barr	barr	PROPN
ajoaa-2080	302	3	limited	limited	PROPN
ajoaa-2080	302	4	.	.	PUNCT
ajoaa-2080	303	1	bhatasara	bhatasara	PROPN
ajoaa-2080	303	2	,	,	PUNCT
ajoaa-2080	303	3	s.	s.	PROPN
ajoaa-2080	303	4	(	(	PUNCT
ajoaa-2080	303	5	2011	2011	NUM
ajoaa-2080	303	6	)	)	PUNCT
ajoaa-2080	303	7	.	.	PUNCT
ajoaa-2080	304	1	women	woman	NOUN
ajoaa-2080	304	2	,	,	PUNCT
ajoaa-2080	304	3	land	land	NOUN
ajoaa-2080	304	4	and	and	CCONJ
ajoaa-2080	304	5	poverty	poverty	NOUN
ajoaa-2080	304	6	in	in	ADP
ajoaa-2080	304	7	zimbabwe	zimbabwe	NOUN
ajoaa-2080	304	8	:	:	PUNCT
ajoaa-2080	304	9	deconstructing	deconstruct	VERB
ajoaa-2080	304	10	the	the	DET
ajoaa-2080	304	11	impacts	impact	NOUN
ajoaa-2080	304	12	of	of	ADP
ajoaa-2080	304	13	the	the	DET
ajoaa-2080	304	14	fast	fast	ADJ
ajoaa-2080	304	15	track	track	NOUN
ajoaa-2080	304	16	land	land	NOUN
ajoaa-2080	304	17	reform	reform	NOUN
ajoaa-2080	304	18	program	program	NOUN
ajoaa-2080	304	19	.	.	PUNCT
ajoaa-2080	305	1	journal	journal	NOUN
ajoaa-2080	305	2	of	of	ADP
ajoaa-2080	305	3	sustainable	sustainable	ADJ
ajoaa-2080	305	4	development	development	NOUN
ajoaa-2080	305	5	in	in	ADP
ajoaa-2080	305	6	africa	africa	PROPN
ajoaa-2080	305	7	,	,	PUNCT
ajoaa-2080	305	8	13(1	13(1	NUM
ajoaa-2080	305	9	)	)	PUNCT
ajoaa-2080	305	10	,	,	PUNCT
ajoaa-2080	305	11	316	316	NUM
ajoaa-2080	305	12	–	–	PUNCT
ajoaa-2080	305	13	330	330	NUM
ajoaa-2080	305	14	.	.	PUNCT
ajoaa-2080	306	1	https://pdfs.semanticscholar.org/b281/12469afb2ba5e730df0c52ccda819263b7dd.pdf	https://pdfs.semanticscholar.org/b281/12469afb2ba5e730df0c52ccda819263b7dd.pdf	PROPN
ajoaa-2080	306	2	.	.	PROPN
ajoaa-2080	306	3	chepkoech	chepkoech	PROPN
ajoaa-2080	306	4	,	,	PUNCT
ajoaa-2080	306	5	d.	d.	PROPN
ajoaa-2080	306	6	(	(	PUNCT
ajoaa-2080	306	7	2014	2014	NUM
ajoaa-2080	306	8	)	)	PUNCT
ajoaa-2080	306	9	.	.	PUNCT
ajoaa-2080	307	1	the	the	DET
ajoaa-2080	307	2	effect	effect	NOUN
ajoaa-2080	307	3	of	of	ADP
ajoaa-2080	307	4	credit	credit	NOUN
ajoaa-2080	307	5	assessment	assessment	NOUN
ajoaa-2080	307	6	process	process	NOUN
ajoaa-2080	307	7	on	on	ADP
ajoaa-2080	307	8	repayment	repayment	NOUN
ajoaa-2080	307	9	of	of	ADP
ajoaa-2080	307	10	bank	bank	NOUN
ajoaa-2080	307	11	loans	loan	NOUN
ajoaa-2080	307	12	in	in	ADP
ajoaa-2080	307	13	commercial	commercial	ADJ
ajoaa-2080	307	14	banks	bank	NOUN
ajoaa-2080	307	15	in	in	ADP
ajoaa-2080	307	16	kenya	kenya	PROPN
ajoaa-2080	307	17	.	.	PUNCT
ajoaa-2080	308	1	in	in	ADP
ajoaa-2080	308	2	masters	master	NOUN
ajoaa-2080	308	3	thesis	thesis	NOUN
ajoaa-2080	308	4	of	of	ADP
ajoaa-2080	308	5	business	business	NOUN
ajoaa-2080	308	6	administration	administration	NOUN
ajoaa-2080	308	7	.	.	PUNCT
ajoaa-2080	309	1	http://erepository.uonbi.ac.ke/bitstream/handle/11295/75235/chepkoech	http://erepository.uonbi.ac.ke/bitstream/handle/11295/75235/chepkoech	PRON
ajoaa-2080	309	2	dorothy_the	dorothy_the	DET
ajoaa-2080	309	3	effect	effect	NOUN
ajoaa-2080	309	4	of	of	ADP
ajoaa-2080	309	5	credit	credit	NOUN
ajoaa-2080	309	6	assessment	assessment	NOUN
ajoaa-2080	309	7	process	process	NOUN
ajoaa-2080	309	8	on	on	ADP
ajoaa-2080	309	9	repayment	repayment	NOUN
ajoaa-2080	309	10	of	of	ADP
ajoaa-2080	309	11	bank	bank	NOUN
ajoaa-2080	309	12	loans	loan	NOUN
ajoaa-2080	309	13	in	in	ADP
ajoaa-2080	309	14	commercial	commercial	ADJ
ajoaa-2080	309	15	banks	bank	NOUN
ajoaa-2080	309	16	in	in	ADP
ajoaa-2080	309	17	kenya.pdf?sequence=3	kenya.pdf?sequence=3	PROPN
ajoaa-2080	309	18	.	.	PROPN
ajoaa-2080	309	19	davoodi	davoodi	PROPN
ajoaa-2080	309	20	,	,	PUNCT
ajoaa-2080	309	21	t.	t.	PROPN
ajoaa-2080	309	22	,	,	PUNCT
ajoaa-2080	309	23	&	&	CCONJ
ajoaa-2080	309	24	dagli	dagli	PROPN
ajoaa-2080	309	25	,	,	PUNCT
ajoaa-2080	309	26	u.	u.	PROPN
ajoaa-2080	309	27	u.	u.	PROPN
ajoaa-2080	309	28	(	(	PUNCT
ajoaa-2080	309	29	2019	2019	NUM
ajoaa-2080	309	30	)	)	PUNCT
ajoaa-2080	309	31	.	.	PUNCT
ajoaa-2080	310	1	exploring	explore	VERB
ajoaa-2080	310	2	the	the	DET
ajoaa-2080	310	3	determinants	determinant	NOUN
ajoaa-2080	310	4	of	of	ADP
ajoaa-2080	310	5	residential	residential	ADJ
ajoaa-2080	310	6	satisfaction	satisfaction	NOUN
ajoaa-2080	310	7	in	in	ADP
ajoaa-2080	310	8	historic	historic	ADJ
ajoaa-2080	310	9	urban	urban	ADJ
ajoaa-2080	310	10	quarters	quarter	NOUN
ajoaa-2080	310	11	:	:	PUNCT
ajoaa-2080	310	12	towards	towards	ADP
ajoaa-2080	310	13	sustainability	sustainability	NOUN
ajoaa-2080	310	14	of	of	ADP
ajoaa-2080	310	15	the	the	DET
ajoaa-2080	310	16	walled	walled	ADJ
ajoaa-2080	310	17	city	city	NOUN
ajoaa-2080	310	18	famagusta	famagusta	PROPN
ajoaa-2080	310	19	,	,	PUNCT
ajoaa-2080	310	20	north	north	PROPN
ajoaa-2080	310	21	cyprus	cyprus	PROPN
ajoaa-2080	310	22	.	.	PUNCT
ajoaa-2080	311	1	sustainability	sustainability	NOUN
ajoaa-2080	311	2	(	(	PUNCT
ajoaa-2080	311	3	switzerland	switzerland	PROPN
ajoaa-2080	311	4	)	)	PUNCT
ajoaa-2080	311	5	,	,	PUNCT
ajoaa-2080	311	6	11(22	11(22	PROPN
ajoaa-2080	311	7	)	)	PUNCT
ajoaa-2080	311	8	,	,	PUNCT
ajoaa-2080	311	9	1	1	NUM
ajoaa-2080	311	10	-	-	SYM
ajoaa-2080	311	11	25	25	NUM
ajoaa-2080	311	12	.	.	PUNCT
ajoaa-2080	312	1	https://doi.org/10.3390/su11226261	https://doi.org/10.3390/su11226261	X
ajoaa-2080	312	2	.	.	PUNCT
ajoaa-2080	313	1	djoumessi	djoumessi	PROPN
ajoaa-2080	313	2	,	,	PUNCT
ajoaa-2080	313	3	y.	y.	PROPN
ajoaa-2080	313	4	f.	f.	PROPN
ajoaa-2080	313	5	,	,	PUNCT
ajoaa-2080	313	6	kamdem	kamdem	PROPN
ajoaa-2080	313	7	,	,	PUNCT
ajoaa-2080	313	8	c.	c.	PROPN
ajoaa-2080	313	9	b.	b.	PROPN
ajoaa-2080	313	10	,	,	PUNCT
ajoaa-2080	313	11	afari	afari	NOUN
ajoaa-2080	313	12	-	-	PUNCT
ajoaa-2080	313	13	sefa	sefa	NOUN
ajoaa-2080	313	14	,	,	PUNCT
ajoaa-2080	313	15	v.	v.	PROPN
ajoaa-2080	313	16	,	,	PUNCT
ajoaa-2080	313	17	bidogeza	bidogeza	PROPN
ajoaa-2080	313	18	,	,	PUNCT
ajoaa-2080	313	19	j.	j.	PROPN
ajoaa-2080	313	20	c.	c.	PROPN
ajoaa-2080	313	21	,	,	PUNCT
ajoaa-2080	313	22	djoumessi	djoumessi	PROPN
ajoaa-2080	313	23	,	,	PUNCT
ajoaa-2080	313	24	y.	y.	PROPN
ajoaa-2080	313	25	f.	f.	PROPN
ajoaa-2080	313	26	,	,	PUNCT
ajoaa-2080	313	27	&	&	CCONJ
ajoaa-2080	313	28	kamdem	kamdem	PROPN
ajoaa-2080	313	29	,	,	PUNCT
ajoaa-2080	313	30	c.	c.	PROPN
ajoaa-2080	313	31	b.	b.	PROPN
ajoaa-2080	313	32	(	(	PUNCT
ajoaa-2080	313	33	2018	2018	NUM
ajoaa-2080	313	34	)	)	PUNCT
ajoaa-2080	313	35	.	.	PUNCT
ajoaa-2080	314	1	determinants	determinant	NOUN
ajoaa-2080	314	2	of	of	ADP
ajoaa-2080	314	3	smallholder	smallholder	NOUN
ajoaa-2080	314	4	vegetable	vegetable	NOUN
ajoaa-2080	314	5	farmers	farmer	NOUN
ajoaa-2080	314	6	'	'	PART
ajoaa-2080	314	7	credit	credit	NOUN
ajoaa-2080	314	8	access	access	NOUN
ajoaa-2080	314	9	and	and	CCONJ
ajoaa-2080	314	10	demand	demand	NOUN
ajoaa-2080	314	11	in	in	ADP
ajoaa-2080	314	12	southwest	southwest	ADJ
ajoaa-2080	314	13	region	region	NOUN
ajoaa-2080	314	14	,	,	PUNCT
ajoaa-2080	314	15	cameroon	cameroon	PROPN
ajoaa-2080	314	16	.	.	PUNCT
ajoaa-2080	315	1	economics	economic	NOUN
ajoaa-2080	315	2	bulletin	bulletin	PROPN
ajoaa-2080	315	3	,	,	PUNCT
ajoaa-2080	315	4	38(2	38(2	NOUN
ajoaa-2080	315	5	)	)	PUNCT
ajoaa-2080	315	6	,	,	PUNCT
ajoaa-2080	315	7	1231–1240	1231–1240	NUM
ajoaa-2080	315	8	.	.	PUNCT
ajoaa-2080	316	1	http://hdl.handle.net/10419/179942www.econstor.eu	http://hdl.handle.net/10419/179942www.econstor.eu	PROPN
ajoaa-2080	316	2	.	.	PUNCT
ajoaa-2080	317	1	echanove	echanove	PROPN
ajoaa-2080	317	2	,	,	PUNCT
ajoaa-2080	317	3	j.	j.	PROPN
ajoaa-2080	317	4	(	(	PUNCT
ajoaa-2080	317	5	2017	2017	NUM
ajoaa-2080	317	6	)	)	PUNCT
ajoaa-2080	317	7	.	.	PUNCT
ajoaa-2080	318	1	food	food	NOUN
ajoaa-2080	318	2	security	security	NOUN
ajoaa-2080	318	3	,	,	PUNCT
ajoaa-2080	318	4	nutrition	nutrition	NOUN
ajoaa-2080	318	5	,	,	PUNCT
ajoaa-2080	318	6	climate	climate	NOUN
ajoaa-2080	318	7	change	change	NOUN
ajoaa-2080	318	8	resilience	resilience	NOUN
ajoaa-2080	318	9	,	,	PUNCT
ajoaa-2080	318	10	gender	gender	NOUN
ajoaa-2080	318	11	and	and	CCONJ
ajoaa-2080	318	12	the	the	DET
ajoaa-2080	318	13	smallscale	smallscale	NOUN
ajoaa-2080	318	14	farmers	farmer	NOUN
ajoaa-2080	318	15	.	.	PUNCT
ajoaa-2080	319	1	https://www.fanrpan.org/sites/default/files/publications/zimbabwe/policy/analysis/final.pdf	https://www.fanrpan.org/sites/default/files/publications/zimbabwe/policy/analysis/final.pdf	PROPN
ajoaa-2080	319	2	.	.	PUNCT
ajoaa-2080	319	3	facasi	facasi	PROPN
ajoaa-2080	319	4	(	(	PUNCT
ajoaa-2080	319	5	2015	2015	NUM
ajoaa-2080	319	6	)	)	PUNCT
ajoaa-2080	319	7	.	.	PUNCT
ajoaa-2080	320	1	financial	financial	ADJ
ajoaa-2080	320	2	products	product	NOUN
ajoaa-2080	320	3	for	for	ADP
ajoaa-2080	320	4	farmers	farmer	NOUN
ajoaa-2080	320	5	and	and	CCONJ
ajoaa-2080	320	6	service	service	NOUN
ajoaa-2080	320	7	report	report	NOUN
ajoaa-2080	320	8	.	.	PUNCT
ajoaa-2080	321	1	http://facasi.actafrica.org/file/20160125_financial_products_for_farmers_and_service_providers_report_zim	http://facasi.actafrica.org/file/20160125_financial_products_for_farmers_and_service_providers_report_zim	PROPN
ajoaa-2080	321	2	babwe.pdf	babwe.pdf	PROPN
ajoaa-2080	321	3	.	.	PUNCT
ajoaa-2080	321	4	fan	fan	PROPN
ajoaa-2080	321	5	,	,	PUNCT
ajoaa-2080	321	6	s.	s.	PROPN
ajoaa-2080	321	7	,	,	PUNCT
ajoaa-2080	321	8	brzeska	brzeska	PROPN
ajoaa-2080	321	9	,	,	PUNCT
ajoaa-2080	321	10	j.	j.	PROPN
ajoaa-2080	321	11	,	,	PUNCT
ajoaa-2080	321	12	keyzer	keyzer	PROPN
ajoaa-2080	321	13	,	,	PUNCT
ajoaa-2080	321	14	m.	m.	NOUN
ajoaa-2080	321	15	,	,	PUNCT
ajoaa-2080	321	16	&	&	CCONJ
ajoaa-2080	321	17	halsema	halsema	PROPN
ajoaa-2080	321	18	,	,	PUNCT
ajoaa-2080	321	19	a.	a.	NOUN
ajoaa-2080	321	20	(	(	PUNCT
ajoaa-2080	321	21	2013	2013	NUM
ajoaa-2080	321	22	)	)	PUNCT
ajoaa-2080	321	23	.	.	PUNCT
ajoaa-2080	322	1	from	from	ADP
ajoaa-2080	322	2	subsistence	subsistence	NOUN
ajoaa-2080	322	3	to	to	ADP
ajoaa-2080	322	4	profit	profit	NOUN
ajoaa-2080	322	5	;	;	PUNCT
ajoaa-2080	322	6	transforming	transform	VERB
ajoaa-2080	322	7	smallholder	smallholder	NOUN
ajoaa-2080	322	8	farms	farm	NOUN
ajoaa-2080	322	9	.	.	PUNCT
ajoaa-2080	323	1	international	international	ADJ
ajoaa-2080	323	2	food	food	NOUN
ajoaa-2080	323	3	policy	policy	NOUN
ajoaa-2080	323	4	research	research	PROPN
ajoaa-2080	323	5	institute	institute	PROPN
ajoaa-2080	323	6	(	(	PUNCT
ajoaa-2080	323	7	july	july	PROPN
ajoaa-2080	323	8	)	)	PUNCT
ajoaa-2080	323	9	.	.	PUNCT
ajoaa-2080	324	1	https://doi.org/10.1016/j.euromechsol.2011.01.004	https://doi.org/10.1016/j.euromechsol.2011.01.004	PROPN
ajoaa-2080	324	2	.	.	PUNCT
ajoaa-2080	325	1	feschijan	feschijan	PROPN
ajoaa-2080	325	2	,	,	PUNCT
ajoaa-2080	325	3	d.	d.	PROPN
ajoaa-2080	325	4	(	(	PUNCT
ajoaa-2080	325	5	2008	2008	NUM
ajoaa-2080	325	6	)	)	PUNCT
ajoaa-2080	325	7	.	.	PUNCT
ajoaa-2080	326	1	analysis	analysis	NOUN
ajoaa-2080	326	2	of	of	ADP
ajoaa-2080	326	3	the	the	DET
ajoaa-2080	326	4	creditworhiness	creditworhiness	NOUN
ajoaa-2080	326	5	of	of	ADP
ajoaa-2080	326	6	bank	bank	NOUN
ajoaa-2080	326	7	loan	loan	NOUN
ajoaa-2080	326	8	applicants	applicant	NOUN
ajoaa-2080	326	9	.	.	PUNCT
ajoaa-2080	327	1	economics	economic	NOUN
ajoaa-2080	327	2	and	and	CCONJ
ajoaa-2080	327	3	organization	organization	NOUN
ajoaa-2080	327	4	,	,	PUNCT
ajoaa-2080	327	5	5(3	5(3	NUM
ajoaa-2080	327	6	)	)	PUNCT
ajoaa-2080	327	7	,	,	PUNCT
ajoaa-2080	327	8	273–280	273–280	NUM
ajoaa-2080	327	9	.	.	PUNCT
ajoaa-2080	328	1	http://facta.junis.ni.ac.rs/eao/eao200803/eao200803-10.pdf	http://facta.junis.ni.ac.rs/eao/eao200803/eao200803-10.pdf	PROPN
ajoaa-2080	328	2	.	.	PUNCT
ajoaa-2080	328	3	gebremedhin	gebremedhin	PROPN
ajoaa-2080	328	4	,	,	PUNCT
ajoaa-2080	328	5	k.	k.	PROPN
ajoaa-2080	328	6	t.	t.	PROPN
ajoaa-2080	328	7	(	(	PUNCT
ajoaa-2080	328	8	2010	2010	NUM
ajoaa-2080	328	9	)	)	PUNCT
ajoaa-2080	328	10	.	.	PUNCT
ajoaa-2080	329	1	determinants	determinant	NOUN
ajoaa-2080	329	2	of	of	ADP
ajoaa-2080	329	3	successful	successful	ADJ
ajoaa-2080	329	4	loan	loan	NOUN
ajoaa-2080	329	5	repayment	repayment	NOUN
ajoaa-2080	329	6	performance	performance	NOUN
ajoaa-2080	329	7	of	of	ADP
ajoaa-2080	329	8	private	private	ADJ
ajoaa-2080	329	9	borrowers	borrower	NOUN
ajoaa-2080	329	10	in	in	ADP
ajoaa-2080	329	11	development	development	PROPN
ajoaa-2080	329	12	bank	bank	PROPN
ajoaa-2080	329	13	of	of	ADP
ajoaa-2080	329	14	ethiopia	ethiopia	PROPN
ajoaa-2080	329	15	,	,	PUNCT
ajoaa-2080	329	16	north	north	NOUN
ajoaa-2080	329	17	region	region	NOUN
ajoaa-2080	329	18	(	(	PUNCT
ajoaa-2080	329	19	issue	issue	NOUN
ajoaa-2080	329	20	may	may	AUX
ajoaa-2080	329	21	)	)	PUNCT
ajoaa-2080	330	1	[	[	X
ajoaa-2080	330	2	mekelle	mekelle	X
ajoaa-2080	330	3	http://dspace.knust.edu.gh/bitstream/123456789/8049/1/ma-az%20abdul-jalil.pdf	http://dspace.knust.edu.gh/bitstream/123456789/8049/1/ma-az%20abdul-jalil.pdf	VERB
ajoaa-2080	330	4	https://pdfs.semanticscholar.org/b281/12469afb2ba5e730df0c52ccda819263b7dd.pdf	https://pdfs.semanticscholar.org/b281/12469afb2ba5e730df0c52ccda819263b7dd.pdf	PROPN
ajoaa-2080	330	5	https://doi.org/10.3390/su11226261	https://doi.org/10.3390/su11226261	NUM
ajoaa-2080	330	6	http://hdl.handle.net/10419/179942www.econstor.eu	http://hdl.handle.net/10419/179942www.econstor.eu	NOUN
ajoaa-2080	330	7	https://www.fanrpan.org/sites/default/files/publications/zimbabwe/policy/analysis/final.pdf	https://www.fanrpan.org/sites/default/files/publications/zimbabwe/policy/analysis/final.pdf	ADP
ajoaa-2080	330	8	http://facasi.act-africa.org/file/20160125_financial_products_for_farmers_and_service_providers_report_zimbabwe.pdf	http://facasi.act-africa.org/file/20160125_financial_products_for_farmers_and_service_providers_report_zimbabwe.pdf	PROPN
ajoaa-2080	330	9	http://facasi.act-africa.org/file/20160125_financial_products_for_farmers_and_service_providers_report_zimbabwe.pdf	http://facasi.act-africa.org/file/20160125_financial_products_for_farmers_and_service_providers_report_zimbabwe.pdf	PROPN
ajoaa-2080	330	10	http://facasi.act-africa.org/file/20160125_financial_products_for_farmers_and_service_providers_report_zimbabwe.pdf	http://facasi.act-africa.org/file/20160125_financial_products_for_farmers_and_service_providers_report_zimbabwe.pdf	PROPN
ajoaa-2080	330	11	https://doi.org/10.1016/j.euromechsol.2011.01.004	https://doi.org/10.1016/j.euromechsol.2011.01.004	PROPN
ajoaa-2080	330	12	http://facta.junis.ni.ac.rs/eao/eao200803/eao200803-10.pdf	http://facta.junis.ni.ac.rs/eao/eao200803/eao200803-10.pdf	PROPN
ajoaa-2080	330	13	asian	asian	ADJ
ajoaa-2080	330	14	journal	journal	NOUN
ajoaa-2080	330	15	of	of	ADP
ajoaa-2080	330	16	agriculture	agriculture	NOUN
ajoaa-2080	330	17	and	and	CCONJ
ajoaa-2080	330	18	rural	rural	ADJ
ajoaa-2080	330	19	development	development	NOUN
ajoaa-2080	330	20	,	,	PUNCT
ajoaa-2080	330	21	10(2)2020	10(2)2020	NUM
ajoaa-2080	330	22	:	:	PUNCT
ajoaa-2080	330	23	628	628	NUM
ajoaa-2080	330	24	-	-	SYM
ajoaa-2080	330	25	644	644	NUM
ajoaa-2080	330	26	642	642	NUM
ajoaa-2080	330	27	university	university	NOUN
ajoaa-2080	330	28	]	]	PUNCT
ajoaa-2080	330	29	.	.	PUNCT
ajoaa-2080	331	1	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/5139/determinantsofsucces	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/5139/determinantsofsucce	NOUN
ajoaa-2080	331	2	sfulloanrepayment.pdf?sequence=1	sfulloanrepayment.pdf?sequence=1	PROPN
ajoaa-2080	331	3	.	.	PUNCT
ajoaa-2080	331	4	goeringer	goeringer	PROPN
ajoaa-2080	331	5	,	,	PUNCT
ajoaa-2080	331	6	p.	p.	NOUN
ajoaa-2080	331	7	,	,	PUNCT
ajoaa-2080	331	8	&	&	CCONJ
ajoaa-2080	331	9	hanson	hanson	PROPN
ajoaa-2080	331	10	,	,	PUNCT
ajoaa-2080	331	11	j.	j.	PROPN
ajoaa-2080	331	12	(	(	PUNCT
ajoaa-2080	331	13	2013	2013	NUM
ajoaa-2080	331	14	)	)	PUNCT
ajoaa-2080	331	15	.	.	PUNCT
ajoaa-2080	332	1	review	review	NOUN
ajoaa-2080	332	2	of	of	ADP
ajoaa-2080	332	3	lender	lender	NOUN
ajoaa-2080	332	4	requirements	requirement	NOUN
ajoaa-2080	332	5	for	for	ADP
ajoaa-2080	332	6	beginning	begin	VERB
ajoaa-2080	332	7	farmer	farmer	NOUN
ajoaa-2080	332	8	loan	loan	NOUN
ajoaa-2080	332	9	products	product	NOUN
ajoaa-2080	332	10	.	.	PUNCT
ajoaa-2080	333	1	https://drum.lib.umd.edu/bitstream/handle/1903/15007/credit/fact/sheet.pdf?sequence=1	https://drum.lib.umd.edu/bitstream/handle/1903/15007/credit/fact/sheet.pdf?sequence=1	PROPN
ajoaa-2080	333	2	.	.	PROPN
ajoaa-2080	333	3	government	government	NOUN
ajoaa-2080	333	4	of	of	ADP
ajoaa-2080	333	5	zimbabwe	zimbabwe	X
ajoaa-2080	333	6	(	(	PUNCT
ajoaa-2080	333	7	2017	2017	NUM
ajoaa-2080	333	8	)	)	PUNCT
ajoaa-2080	333	9	.	.	PUNCT
ajoaa-2080	334	1	movable	movable	ADJ
ajoaa-2080	334	2	property	property	NOUN
ajoaa-2080	334	3	security	security	NOUN
ajoaa-2080	334	4	interests	interest	NOUN
ajoaa-2080	334	5	(	(	PUNCT
ajoaa-2080	334	6	chapter	chapter	NOUN
ajoaa-2080	334	7	14:15	14:15	NUM
ajoaa-2080	334	8	)	)	PUNCT
ajoaa-2080	334	9	,	,	PUNCT
ajoaa-2080	334	10	pub	pub	NOUN
ajoaa-2080	334	11	.	.	PUNCT
ajoaa-2080	335	1	l.	l.	PROPN
ajoaa-2080	335	2	no	no	INTJ
ajoaa-2080	335	3	.	.	PUNCT
ajoaa-2080	336	1	9/2017	9/2017	NUM
ajoaa-2080	336	2	,	,	PUNCT
ajoaa-2080	336	3	149	149	NUM
ajoaa-2080	336	4	(	(	PUNCT
ajoaa-2080	336	5	2017	2017	NUM
ajoaa-2080	336	6	)	)	PUNCT
ajoaa-2080	336	7	.	.	PUNCT
ajoaa-2080	337	1	http://www.veritaszim.net/sites/veritas_d/files/movable_property_actr.pdf	http://www.veritaszim.net/sites/veritas_d/files/movable_property_actr.pdf	PROPN
ajoaa-2080	337	2	.	.	PUNCT
ajoaa-2080	337	3	hair	hair	NOUN
ajoaa-2080	337	4	,	,	PUNCT
ajoaa-2080	337	5	j.	j.	PROPN
ajoaa-2080	337	6	,	,	PUNCT
ajoaa-2080	337	7	black	black	PROPN
ajoaa-2080	337	8	,	,	PUNCT
ajoaa-2080	337	9	w.	w.	PROPN
ajoaa-2080	337	10	,	,	PUNCT
ajoaa-2080	337	11	babin	babin	PROPN
ajoaa-2080	337	12	,	,	PUNCT
ajoaa-2080	337	13	b.	b.	PROPN
ajoaa-2080	337	14	,	,	PUNCT
ajoaa-2080	337	15	anderson	anderson	PROPN
ajoaa-2080	337	16	,	,	PUNCT
ajoaa-2080	337	17	r.	r.	PROPN
ajoaa-2080	337	18	,	,	PUNCT
ajoaa-2080	337	19	&	&	CCONJ
ajoaa-2080	337	20	tatham	tatham	PROPN
ajoaa-2080	337	21	,	,	PUNCT
ajoaa-2080	337	22	l.	l.	PROPN
ajoaa-2080	337	23	(	(	PUNCT
ajoaa-2080	337	24	2006	2006	NUM
ajoaa-2080	337	25	)	)	PUNCT
ajoaa-2080	337	26	.	.	PUNCT
ajoaa-2080	338	1	multivariant	multivariant	PROPN
ajoaa-2080	338	2	data	datum	NOUN
ajoaa-2080	338	3	analysis	analysis	NOUN
ajoaa-2080	338	4	.	.	PUNCT
ajoaa-2080	339	1	pearson	pearson	PROPN
ajoaa-2080	339	2	international	international	PROPN
ajoaa-2080	339	3	edition	edition	PROPN
ajoaa-2080	339	4	.	.	PUNCT
ajoaa-2080	340	1	ijioma	ijioma	PROPN
ajoaa-2080	340	2	,	,	PUNCT
ajoaa-2080	340	3	j.	j.	PROPN
ajoaa-2080	340	4	c.	c.	PROPN
ajoaa-2080	340	5	,	,	PUNCT
ajoaa-2080	340	6	&	&	CCONJ
ajoaa-2080	340	7	osondu	osondu	PROPN
ajoaa-2080	340	8	,	,	PUNCT
ajoaa-2080	340	9	c.	c.	PROPN
ajoaa-2080	340	10	k.	k.	PROPN
ajoaa-2080	340	11	(	(	PUNCT
ajoaa-2080	340	12	2015	2015	NUM
ajoaa-2080	340	13	)	)	PUNCT
ajoaa-2080	340	14	.	.	PUNCT
ajoaa-2080	341	1	agricultural	agricultural	ADJ
ajoaa-2080	341	2	credit	credit	NOUN
ajoaa-2080	341	3	sources	source	NOUN
ajoaa-2080	341	4	and	and	CCONJ
ajoaa-2080	341	5	determinants	determinant	NOUN
ajoaa-2080	341	6	of	of	ADP
ajoaa-2080	341	7	credit	credit	NOUN
ajoaa-2080	341	8	acquisition	acquisition	NOUN
ajoaa-2080	341	9	by	by	ADP
ajoaa-2080	341	10	farmers	farmer	NOUN
ajoaa-2080	341	11	in	in	ADP
ajoaa-2080	341	12	idemili	idemili	NOUN
ajoaa-2080	341	13	local	local	ADJ
ajoaa-2080	341	14	government	government	NOUN
ajoaa-2080	341	15	area	area	NOUN
ajoaa-2080	341	16	of	of	ADP
ajoaa-2080	341	17	anambra	anambra	PROPN
ajoaa-2080	341	18	state	state	PROPN
ajoaa-2080	341	19	.	.	PUNCT
ajoaa-2080	342	1	journal	journal	PROPN
ajoaa-2080	342	2	of	of	ADP
ajoaa-2080	342	3	agricultural	agricultural	ADJ
ajoaa-2080	342	4	science	science	NOUN
ajoaa-2080	342	5	and	and	CCONJ
ajoaa-2080	342	6	technology	technology	NOUN
ajoaa-2080	342	7	b	b	PROPN
ajoaa-2080	342	8	,	,	PUNCT
ajoaa-2080	342	9	5	5	NUM
ajoaa-2080	342	10	,	,	PUNCT
ajoaa-2080	342	11	34	34	NUM
ajoaa-2080	342	12	-	-	SYM
ajoaa-2080	342	13	43	43	NUM
ajoaa-2080	342	14	.	.	PUNCT
ajoaa-2080	343	1	https://doi.org/10.17265/21616264/2015.01.004	https://doi.org/10.17265/21616264/2015.01.004	PROPN
ajoaa-2080	343	2	.	.	PUNCT
ajoaa-2080	344	1	ike	ike	PROPN
ajoaa-2080	344	2	,	,	PUNCT
ajoaa-2080	344	3	p.	p.	PROPN
ajoaa-2080	344	4	c.	c.	PROPN
ajoaa-2080	344	5	,	,	PUNCT
ajoaa-2080	344	6	&	&	CCONJ
ajoaa-2080	344	7	umuedafe	umuedafe	ADJ
ajoaa-2080	344	8	,	,	PUNCT
ajoaa-2080	344	9	d.	d.	PROPN
ajoaa-2080	344	10	e.	e.	PROPN
ajoaa-2080	344	11	(	(	PUNCT
ajoaa-2080	344	12	2013	2013	NUM
ajoaa-2080	344	13	)	)	PUNCT
ajoaa-2080	344	14	.	.	PUNCT
ajoaa-2080	345	1	determinants	determinant	NOUN
ajoaa-2080	345	2	of	of	ADP
ajoaa-2080	345	3	savings	saving	NOUN
ajoaa-2080	345	4	and	and	CCONJ
ajoaa-2080	345	5	capital	capital	NOUN
ajoaa-2080	345	6	formation	formation	NOUN
ajoaa-2080	345	7	among	among	ADP
ajoaa-2080	345	8	rural	rural	ADJ
ajoaa-2080	345	9	farmers	farmer	NOUN
ajoaa-2080	345	10	in	in	ADP
ajoaa-2080	345	11	isoko	isoko	PROPN
ajoaa-2080	345	12	north	north	PROPN
ajoaa-2080	345	13	local	local	ADJ
ajoaa-2080	345	14	government	government	NOUN
ajoaa-2080	345	15	area	area	NOUN
ajoaa-2080	345	16	of	of	ADP
ajoaa-2080	345	17	delta	delta	PROPN
ajoaa-2080	345	18	state	state	PROPN
ajoaa-2080	345	19	,	,	PUNCT
ajoaa-2080	345	20	nigeria	nigeria	PROPN
ajoaa-2080	345	21	.	.	PUNCT
ajoaa-2080	346	1	asian	asian	ADJ
ajoaa-2080	346	2	economic	economic	ADJ
ajoaa-2080	346	3	and	and	CCONJ
ajoaa-2080	346	4	financial	financial	ADJ
ajoaa-2080	346	5	review	review	NOUN
ajoaa-2080	346	6	,	,	PUNCT
ajoaa-2080	346	7	3(10	3(10	NUM
ajoaa-2080	346	8	)	)	PUNCT
ajoaa-2080	346	9	,	,	PUNCT
ajoaa-2080	346	10	1289–1297	1289–1297	NOUN
ajoaa-2080	346	11	.	.	PUNCT
ajoaa-2080	347	1	international	international	ADJ
ajoaa-2080	347	2	finance	finance	NOUN
ajoaa-2080	347	3	corporation	corporation	NOUN
ajoaa-2080	347	4	.	.	PUNCT
ajoaa-2080	348	1	(	(	PUNCT
ajoaa-2080	348	2	2014	2014	NUM
ajoaa-2080	348	3	)	)	PUNCT
ajoaa-2080	348	4	.	.	PUNCT
ajoaa-2080	349	1	access	access	NOUN
ajoaa-2080	349	2	to	to	ADP
ajoaa-2080	349	3	finance	finance	NOUN
ajoaa-2080	349	4	for	for	ADP
ajoaa-2080	349	5	smallholder	smallholder	NOUN
ajoaa-2080	349	6	farmers	farmer	NOUN
ajoaa-2080	349	7	 	 	SPACE
ajoaa-2080	349	8	:	:	PUNCT
ajoaa-2080	349	9	learning	learn	VERB
ajoaa-2080	349	10	from	from	ADP
ajoaa-2080	349	11	the	the	DET
ajoaa-2080	349	12	experiences	experience	NOUN
ajoaa-2080	349	13	of	of	ADP
ajoaa-2080	349	14	microfinance	microfinance	NOUN
ajoaa-2080	349	15	institutions	institution	NOUN
ajoaa-2080	349	16	in	in	ADP
ajoaa-2080	349	17	latin	latin	PROPN
ajoaa-2080	349	18	america	america	PROPN
ajoaa-2080	349	19	.	.	PUNCT
ajoaa-2080	350	1	www.ifc.org	www.ifc.org	X
ajoaa-2080	350	2	.	.	PUNCT
ajoaa-2080	351	1	joliya	joliya	PROPN
ajoaa-2080	351	2	,	,	PUNCT
ajoaa-2080	351	3	p.	p.	NOUN
ajoaa-2080	351	4	,	,	PUNCT
ajoaa-2080	351	5	kamalvanshi	kamalvanshi	PROPN
ajoaa-2080	351	6	,	,	PUNCT
ajoaa-2080	351	7	v.	v.	PROPN
ajoaa-2080	351	8	,	,	PUNCT
ajoaa-2080	351	9	kushwaha	kushwaha	PROPN
ajoaa-2080	351	10	,	,	PUNCT
ajoaa-2080	351	11	s.	s.	PROPN
ajoaa-2080	351	12	,	,	PUNCT
ajoaa-2080	351	13	&	&	CCONJ
ajoaa-2080	351	14	lpi	lpi	PROPN
ajoaa-2080	351	15	,	,	PUNCT
ajoaa-2080	351	16	s.	s.	PROPN
ajoaa-2080	351	17	(	(	PUNCT
ajoaa-2080	351	18	2017	2017	NUM
ajoaa-2080	351	19	)	)	PUNCT
ajoaa-2080	351	20	.	.	PUNCT
ajoaa-2080	352	1	determinants	determinant	NOUN
ajoaa-2080	352	2	of	of	ADP
ajoaa-2080	352	3	capital	capital	NOUN
ajoaa-2080	352	4	formation	formation	NOUN
ajoaa-2080	352	5	in	in	ADP
ajoaa-2080	352	6	agriculture	agriculture	NOUN
ajoaa-2080	352	7	:	:	PUNCT
ajoaa-2080	352	8	hadoti	hadoti	PROPN
ajoaa-2080	352	9	region	region	PROPN
ajoaa-2080	352	10	of	of	ADP
ajoaa-2080	352	11	rajasthan	rajasthan	PROPN
ajoaa-2080	352	12	,	,	PUNCT
ajoaa-2080	352	13	india	india	PROPN
ajoaa-2080	352	14	.	.	PUNCT
ajoaa-2080	353	1	international	international	PROPN
ajoaa-2080	353	2	journal	journal	PROPN
ajoaa-2080	353	3	of	of	ADP
ajoaa-2080	353	4	current	current	ADJ
ajoaa-2080	353	5	microbiology	microbiology	NOUN
ajoaa-2080	353	6	and	and	CCONJ
ajoaa-2080	353	7	applied	apply	VERB
ajoaa-2080	353	8	sciences	science	NOUN
ajoaa-2080	353	9	,	,	PUNCT
ajoaa-2080	353	10	6(7	6(7	NUM
ajoaa-2080	353	11	)	)	PUNCT
ajoaa-2080	353	12	,	,	PUNCT
ajoaa-2080	353	13	4239–4245	4239–4245	NUM
ajoaa-2080	353	14	.	.	PUNCT
ajoaa-2080	354	1	https://doi.org/10.20546/ijcmas.2017.607.439	https://doi.org/10.20546/ijcmas.2017.607.439	PROPN
ajoaa-2080	354	2	.	.	PROPN
ajoaa-2080	354	3	kiplimo	kiplimo	PROPN
ajoaa-2080	354	4	,	,	PUNCT
ajoaa-2080	354	5	j.	j.	PROPN
ajoaa-2080	354	6	c.	c.	PROPN
ajoaa-2080	354	7	(	(	PUNCT
ajoaa-2080	354	8	2015	2015	NUM
ajoaa-2080	354	9	)	)	PUNCT
ajoaa-2080	354	10	.	.	PUNCT
ajoaa-2080	355	1	determinants	determinant	NOUN
ajoaa-2080	355	2	of	of	ADP
ajoaa-2080	355	3	access	access	NOUN
ajoaa-2080	355	4	to	to	ADP
ajoaa-2080	355	5	credit	credit	NOUN
ajoaa-2080	355	6	by	by	ADP
ajoaa-2080	355	7	smallholder	smallholder	NOUN
ajoaa-2080	355	8	farmers	farmer	NOUN
ajoaa-2080	355	9	in	in	ADP
ajoaa-2080	355	10	eastern	eastern	ADJ
ajoaa-2080	355	11	and	and	CCONJ
ajoaa-2080	355	12	western	western	ADJ
ajoaa-2080	355	13	kenya	kenya	PROPN
ajoaa-2080	355	14	.	.	PUNCT
ajoaa-2080	356	1	journal	journal	PROPN
ajoaa-2080	356	2	of	of	ADP
ajoaa-2080	356	3	development	development	NOUN
ajoaa-2080	356	4	and	and	CCONJ
ajoaa-2080	356	5	agricultural	agricultural	ADJ
ajoaa-2080	356	6	economics	economic	NOUN
ajoaa-2080	356	7	,	,	PUNCT
ajoaa-2080	356	8	7(9	7(9	NUM
ajoaa-2080	356	9	)	)	PUNCT
ajoaa-2080	356	10	,	,	PUNCT
ajoaa-2080	356	11	303–313	303–313	NUM
ajoaa-2080	356	12	.	.	PUNCT
ajoaa-2080	357	1	https://doi.org/10.5897/jdae2014.0591	https://doi.org/10.5897/jdae2014.0591	NOUN
ajoaa-2080	357	2	.	.	PUNCT
ajoaa-2080	358	1	makamure	makamure	PROPN
ajoaa-2080	358	2	,	,	PUNCT
ajoaa-2080	358	3	j.	j.	PROPN
ajoaa-2080	358	4	,	,	PUNCT
ajoaa-2080	358	5	jowa	jowa	PROPN
ajoaa-2080	358	6	,	,	PUNCT
ajoaa-2080	358	7	j.	j.	PROPN
ajoaa-2080	358	8	,	,	PUNCT
ajoaa-2080	358	9	&	&	CCONJ
ajoaa-2080	358	10	muzuva	muzuva	PROPN
ajoaa-2080	358	11	,	,	PUNCT
ajoaa-2080	358	12	h.	h.	PROPN
ajoaa-2080	358	13	(	(	PUNCT
ajoaa-2080	358	14	2001	2001	NUM
ajoaa-2080	358	15	)	)	PUNCT
ajoaa-2080	358	16	.	.	PUNCT
ajoaa-2080	359	1	liberalisation	liberalisation	NOUN
ajoaa-2080	359	2	of	of	ADP
ajoaa-2080	359	3	agricultural	agricultural	ADJ
ajoaa-2080	359	4	markets	market	NOUN
ajoaa-2080	359	5	.	.	PUNCT
ajoaa-2080	360	1	retrieved	retrieve	VERB
ajoaa-2080	360	2	from	from	ADP
ajoaa-2080	360	3	http://www.saprin.org/zimbabwe/research/zim_agriculture.pdf	http://www.saprin.org/zimbabwe/research/zim_agriculture.pdf	PROPN
ajoaa-2080	360	4	.	.	PUNCT
ajoaa-2080	360	5	masiyandima	masiyandima	PROPN
ajoaa-2080	360	6	,	,	PUNCT
ajoaa-2080	360	7	n.	n.	NOUN
ajoaa-2080	360	8	,	,	PUNCT
ajoaa-2080	360	9	chigumira	chigumira	PROPN
ajoaa-2080	360	10	,	,	PUNCT
ajoaa-2080	360	11	g.	g.	PROPN
ajoaa-2080	360	12	,	,	PUNCT
ajoaa-2080	360	13	&	&	CCONJ
ajoaa-2080	360	14	bara	bara	PROPN
ajoaa-2080	360	15	,	,	PUNCT
ajoaa-2080	360	16	a.	a.	NOUN
ajoaa-2080	360	17	(	(	PUNCT
ajoaa-2080	360	18	2011	2011	NUM
ajoaa-2080	360	19	)	)	PUNCT
ajoaa-2080	360	20	.	.	PUNCT
ajoaa-2080	361	1	sustainable	sustainable	ADJ
ajoaa-2080	361	2	financing	financing	NOUN
ajoaa-2080	361	3	options	option	NOUN
ajoaa-2080	361	4	for	for	ADP
ajoaa-2080	361	5	agriculture	agriculture	NOUN
ajoaa-2080	361	6	in	in	ADP
ajoaa-2080	361	7	zimbabwe	zimbabwe	X
ajoaa-2080	361	8	(	(	PUNCT
ajoaa-2080	361	9	zwps	zwps	NOUN
ajoaa-2080	361	10	02/10	02/10	PROPN
ajoaa-2080	361	11	,	,	PUNCT
ajoaa-2080	361	12	issue	issue	NOUN
ajoaa-2080	361	13	march	march	PROPN
ajoaa-2080	361	14	)	)	PUNCT
ajoaa-2080	361	15	.	.	PUNCT
ajoaa-2080	362	1	mayowa	mayowa	PROPN
ajoaa-2080	362	2	,	,	PUNCT
ajoaa-2080	362	3	b.	b.	PROPN
ajoaa-2080	362	4	t.	t.	PROPN
ajoaa-2080	362	5	(	(	PUNCT
ajoaa-2080	362	6	2015	2015	NUM
ajoaa-2080	362	7	)	)	PUNCT
ajoaa-2080	362	8	.	.	PUNCT
ajoaa-2080	363	1	determinants	determinant	NOUN
ajoaa-2080	363	2	of	of	ADP
ajoaa-2080	363	3	agricultural	agricultural	ADJ
ajoaa-2080	363	4	credit	credit	NOUN
ajoaa-2080	363	5	acquisition	acquisition	NOUN
ajoaa-2080	363	6	from	from	ADP
ajoaa-2080	363	7	the	the	DET
ajoaa-2080	363	8	land	land	NOUN
ajoaa-2080	363	9	bank	bank	PROPN
ajoaa-2080	363	10	of	of	ADP
ajoaa-2080	363	11	south	south	PROPN
ajoaa-2080	363	12	africa	africa	PROPN
ajoaa-2080	363	13	:	:	PUNCT
ajoaa-2080	363	14	a	a	DET
ajoaa-2080	363	15	case	case	NOUN
ajoaa-2080	363	16	study	study	NOUN
ajoaa-2080	363	17	of	of	ADP
ajoaa-2080	363	18	smallholder	smallholder	NOUN
ajoaa-2080	363	19	farmers	farmer	NOUN
ajoaa-2080	363	20	in	in	ADP
ajoaa-2080	363	21	peri	peri	PROPN
ajoaa-2080	363	22	-	-	PUNCT
ajoaa-2080	363	23	urban	urban	ADJ
ajoaa-2080	363	24	areas	area	NOUN
ajoaa-2080	363	25	of	of	ADP
ajoaa-2080	363	26	mopani	mopani	PROPN
ajoaa-2080	363	27	district	district	PROPN
ajoaa-2080	363	28	,	,	PUNCT
ajoaa-2080	363	29	limpopo	limpopo	PROPN
ajoaa-2080	363	30	province	province	PROPN
ajoaa-2080	363	31	,	,	PUNCT
ajoaa-2080	363	32	south	south	PROPN
ajoaa-2080	363	33	africa	africa	PROPN
ajoaa-2080	363	34	.	.	PUNCT
ajoaa-2080	364	1	http://ulspace.ul.ac.za/bitstream/handle/10386/1730/braide_tm_2015.pdf?sequence=1&isallo	http://ulspace.ul.ac.za/bitstream/handle/10386/1730/braide_tm_2015.pdf?sequence=1&isallo	PROPN
ajoaa-2080	364	2	wed	we	VERB
ajoaa-2080	364	3	=	=	PROPN
ajoaa-2080	364	4	y.	y.	PROPN
ajoaa-2080	364	5	ministry	ministry	PROPN
ajoaa-2080	364	6	of	of	ADP
ajoaa-2080	364	7	agriculture	agriculture	PROPN
ajoaa-2080	364	8	zimbabwe	zimbabwe	PROPN
ajoaa-2080	364	9	.	.	PUNCT
ajoaa-2080	365	1	(	(	PUNCT
ajoaa-2080	365	2	2013	2013	NUM
ajoaa-2080	365	3	)	)	PUNCT
ajoaa-2080	365	4	.	.	PUNCT
ajoaa-2080	366	1	zimbabwe	zimbabwe	ADJ
ajoaa-2080	366	2	agriculture	agriculture	PROPN
ajoaa-2080	366	3	investment	investment	NOUN
ajoaa-2080	366	4	plan	plan	NOUN
ajoaa-2080	366	5	(	(	PUNCT
ajoaa-2080	366	6	zaip	zaip	NOUN
ajoaa-2080	366	7	):	):	PUNCT
ajoaa-2080	366	8	a	a	DET
ajoaa-2080	366	9	comprehensive	comprehensive	ADJ
ajoaa-2080	366	10	framework	framework	NOUN
ajoaa-2080	366	11	for	for	ADP
ajoaa-2080	366	12	the	the	DET
ajoaa-2080	366	13	development	development	NOUN
ajoaa-2080	366	14	of	of	ADP
ajoaa-2080	366	15	zimbabwe	zimbabwe	PROPN
ajoaa-2080	366	16	's	's	PART
ajoaa-2080	366	17	agriculture	agriculture	NOUN
ajoaa-2080	366	18	sector	sector	NOUN
ajoaa-2080	366	19	.	.	PUNCT
ajoaa-2080	367	1	(	(	PUNCT
ajoaa-2080	367	2	pp	pp	ADJ
ajoaa-2080	367	3	.	.	NOUN
ajoaa-2080	368	1	1	1	NUM
ajoaa-2080	368	2	–	–	PUNCT
ajoaa-2080	368	3	131	131	NUM
ajoaa-2080	368	4	)	)	PUNCT
ajoaa-2080	368	5	.	.	PUNCT
ajoaa-2080	369	1	http://extwprlegs1.fao.org/docs/pdf/zim152671.pdf	http://extwprlegs1.fao.org/docs/pdf/zim152671.pdf	NOUN
ajoaa-2080	369	2	.	.	PUNCT
ajoaa-2080	370	1	ministry	ministry	PROPN
ajoaa-2080	370	2	of	of	ADP
ajoaa-2080	370	3	finance	finance	PROPN
ajoaa-2080	370	4	and	and	CCONJ
ajoaa-2080	370	5	economic	economic	ADJ
ajoaa-2080	370	6	development	development	NOUN
ajoaa-2080	370	7	.	.	PUNCT
ajoaa-2080	371	1	(	(	PUNCT
ajoaa-2080	371	2	2017	2017	NUM
ajoaa-2080	371	3	)	)	PUNCT
ajoaa-2080	371	4	.	.	PUNCT
ajoaa-2080	372	1	national	national	ADJ
ajoaa-2080	372	2	budget	budget	NOUN
ajoaa-2080	372	3	statement	statement	NOUN
ajoaa-2080	372	4	for	for	ADP
ajoaa-2080	372	5	2018	2018	NUM
ajoaa-2080	372	6	.	.	PUNCT
ajoaa-2080	373	1	http://www.zwrcn.org.zw/images/budget_corner/2018_budget_statement_final.pdf	http://www.zwrcn.org.zw/images/budget_corner/2018_budget_statement_final.pdf	PROPN
ajoaa-2080	373	2	.	.	PUNCT
ajoaa-2080	374	1	mishra	mishra	PROPN
ajoaa-2080	374	2	,	,	PUNCT
ajoaa-2080	374	3	k.	k.	PROPN
ajoaa-2080	374	4	,	,	PUNCT
ajoaa-2080	374	5	sam	sam	PROPN
ajoaa-2080	374	6	,	,	PUNCT
ajoaa-2080	374	7	a.	a.	NOUN
ajoaa-2080	374	8	g.	g.	PROPN
ajoaa-2080	374	9	,	,	PUNCT
ajoaa-2080	374	10	&	&	CCONJ
ajoaa-2080	374	11	miranda	miranda	PROPN
ajoaa-2080	374	12	,	,	PUNCT
ajoaa-2080	374	13	m.	m.	NOUN
ajoaa-2080	374	14	j.	j.	PROPN
ajoaa-2080	374	15	(	(	PUNCT
ajoaa-2080	374	16	2017	2017	NUM
ajoaa-2080	374	17	)	)	PUNCT
ajoaa-2080	374	18	.	.	PUNCT
ajoaa-2080	375	1	you	you	PRON
ajoaa-2080	375	2	are	be	AUX
ajoaa-2080	375	3	approved	approve	VERB
ajoaa-2080	375	4	!	!	PUNCT
ajoaa-2080	375	5	,	,	PUNCT
ajoaa-2080	375	6	insured	insure	VERB
ajoaa-2080	375	7	loans	loan	NOUN
ajoaa-2080	375	8	improve	improve	VERB
ajoaa-2080	375	9	credit	credit	NOUN
ajoaa-2080	375	10	access	access	NOUN
ajoaa-2080	375	11	and	and	CCONJ
ajoaa-2080	375	12	technology	technology	NOUN
ajoaa-2080	375	13	adoption	adoption	NOUN
ajoaa-2080	375	14	of	of	ADP
ajoaa-2080	375	15	ghanaian	ghanaian	ADJ
ajoaa-2080	375	16	farmers	farmer	NOUN
ajoaa-2080	375	17	.	.	PUNCT
ajoaa-2080	376	1	http://pubdocs.worldbank.org/en/570041495654735804/d2-mishra-et-al-abca20170518.pdf	http://pubdocs.worldbank.org/en/570041495654735804/d2-mishra-et-al-abca20170518.pdf	PROPN
ajoaa-2080	376	2	.	.	PUNCT
ajoaa-2080	377	1	mohamed	mohamed	PROPN
ajoaa-2080	377	2	,	,	PUNCT
ajoaa-2080	377	3	k.	k.	PROPN
ajoaa-2080	377	4	s.	s.	PROPN
ajoaa-2080	377	5	,	,	PUNCT
ajoaa-2080	377	6	&	&	CCONJ
ajoaa-2080	377	7	temu	temu	PROPN
ajoaa-2080	377	8	,	,	PUNCT
ajoaa-2080	377	9	a.	a.	NOUN
ajoaa-2080	377	10	(	(	PUNCT
ajoaa-2080	377	11	2008	2008	NUM
ajoaa-2080	377	12	)	)	PUNCT
ajoaa-2080	377	13	.	.	PUNCT
ajoaa-2080	378	1	access	access	NOUN
ajoaa-2080	378	2	to	to	ADP
ajoaa-2080	378	3	credit	credit	NOUN
ajoaa-2080	378	4	and	and	CCONJ
ajoaa-2080	378	5	its	its	PRON
ajoaa-2080	378	6	effect	effect	NOUN
ajoaa-2080	378	7	on	on	ADP
ajoaa-2080	378	8	the	the	DET
ajoaa-2080	378	9	adoption	adoption	NOUN
ajoaa-2080	378	10	of	of	ADP
ajoaa-2080	378	11	agricultural	agricultural	ADJ
ajoaa-2080	378	12	technologies	technology	NOUN
ajoaa-2080	378	13	:	:	PUNCT
ajoaa-2080	378	14	the	the	DET
ajoaa-2080	378	15	case	case	NOUN
ajoaa-2080	378	16	of	of	ADP
ajoaa-2080	378	17	zanzibar	zanzibar	PROPN
ajoaa-2080	378	18	.	.	PUNCT
ajoaa-2080	379	1	africa	africa	PROPN
ajoaa-2080	379	2	review	review	PROPN
ajoaa-2080	379	3	of	of	ADP
ajoaa-2080	379	4	money	money	NOUN
ajoaa-2080	379	5	,	,	PUNCT
ajoaa-2080	379	6	finance	finance	NOUN
ajoaa-2080	379	7	and	and	CCONJ
ajoaa-2080	379	8	banking	banking	NOUN
ajoaa-2080	379	9	,	,	PUNCT
ajoaa-2080	379	10	45	45	NUM
ajoaa-2080	379	11	-	-	SYM
ajoaa-2080	379	12	89	89	NUM
ajoaa-2080	379	13	.	.	PUNCT
ajoaa-2080	380	1	mukasa	mukasa	PROPN
ajoaa-2080	380	2	,	,	PUNCT
ajoaa-2080	380	3	a.	a.	NOUN
ajoaa-2080	380	4	n.	n.	PROPN
ajoaa-2080	380	5	,	,	PUNCT
ajoaa-2080	380	6	simpasa	simpasa	NOUN
ajoaa-2080	380	7	,	,	PUNCT
ajoaa-2080	380	8	a.	a.	NOUN
ajoaa-2080	380	9	m.	m.	NOUN
ajoaa-2080	380	10	,	,	PUNCT
ajoaa-2080	380	11	&	&	CCONJ
ajoaa-2080	380	12	salami	salami	NOUN
ajoaa-2080	380	13	,	,	PUNCT
ajoaa-2080	380	14	a.	a.	NOUN
ajoaa-2080	380	15	o.	o.	NOUN
ajoaa-2080	380	16	(	(	PUNCT
ajoaa-2080	380	17	2017	2017	NUM
ajoaa-2080	380	18	)	)	PUNCT
ajoaa-2080	380	19	.	.	PUNCT
ajoaa-2080	381	1	credit	credit	NOUN
ajoaa-2080	381	2	constraints	constraint	NOUN
ajoaa-2080	381	3	and	and	CCONJ
ajoaa-2080	381	4	farm	farm	NOUN
ajoaa-2080	381	5	productivity	productivity	NOUN
ajoaa-2080	381	6	:	:	PUNCT
ajoaa-2080	381	7	micro	micro	ADJ
ajoaa-2080	381	8	-	-	NOUN
ajoaa-2080	381	9	level	level	ADJ
ajoaa-2080	381	10	evidence	evidence	NOUN
ajoaa-2080	381	11	from	from	ADP
ajoaa-2080	381	12	smallholder	smallholder	NOUN
ajoaa-2080	381	13	farmers	farmer	NOUN
ajoaa-2080	381	14	in	in	ADP
ajoaa-2080	381	15	ethiopia	ethiopia	PROPN
ajoaa-2080	381	16	.	.	PUNCT
ajoaa-2080	382	1	in	in	ADP
ajoaa-2080	382	2	african	african	PROPN
ajoaa-2080	382	3	development	development	PROPN
ajoaa-2080	382	4	bank	bank	PROPN
ajoaa-2080	382	5	(	(	PUNCT
ajoaa-2080	382	6	issue	issue	NOUN
ajoaa-2080	382	7	247	247	NUM
ajoaa-2080	382	8	)	)	PUNCT
ajoaa-2080	382	9	.	.	PUNCT
ajoaa-2080	383	1	https://doi.org/10.1039/c5ra03566j	https://doi.org/10.1039/c5ra03566j	PROPN
ajoaa-2080	383	2	.	.	PROPN
ajoaa-2080	383	3	njogu	njogu	PROPN
ajoaa-2080	383	4	,	,	PUNCT
ajoaa-2080	383	5	g.	g.	PROPN
ajoaa-2080	383	6	k.	k.	PROPN
ajoaa-2080	383	7	,	,	PUNCT
ajoaa-2080	383	8	olweny	olweny	PROPN
ajoaa-2080	383	9	,	,	PUNCT
ajoaa-2080	383	10	t.	t.	PROPN
ajoaa-2080	383	11	,	,	PUNCT
ajoaa-2080	383	12	&	&	CCONJ
ajoaa-2080	383	13	njeru	njeru	PROPN
ajoaa-2080	383	14	,	,	PUNCT
ajoaa-2080	383	15	a.	a.	NOUN
ajoaa-2080	383	16	(	(	PUNCT
ajoaa-2080	383	17	2018	2018	NUM
ajoaa-2080	383	18	)	)	PUNCT
ajoaa-2080	383	19	.	.	PUNCT
ajoaa-2080	384	1	relationship	relationship	NOUN
ajoaa-2080	384	2	between	between	ADP
ajoaa-2080	384	3	farm	farm	NOUN
ajoaa-2080	384	4	production	production	NOUN
ajoaa-2080	384	5	capacity	capacity	NOUN
ajoaa-2080	384	6	and	and	CCONJ
ajoaa-2080	384	7	agricultural	agricultural	ADJ
ajoaa-2080	384	8	credit	credit	NOUN
ajoaa-2080	384	9	access	access	NOUN
ajoaa-2080	384	10	from	from	ADP
ajoaa-2080	384	11	commercial	commercial	ADJ
ajoaa-2080	384	12	banks	bank	NOUN
ajoaa-2080	384	13	.	.	PUNCT
ajoaa-2080	385	1	international	international	ADJ
ajoaa-2080	385	2	academic	academic	ADJ
ajoaa-2080	385	3	journal	journal	NOUN
ajoaa-2080	385	4	of	of	ADP
ajoaa-2080	385	5	economics	economic	NOUN
ajoaa-2080	385	6	and	and	CCONJ
ajoaa-2080	385	7	finance	finance	NOUN
ajoaa-2080	385	8	,	,	PUNCT
ajoaa-2080	385	9	3(1	3(1	NUM
ajoaa-2080	385	10	)	)	PUNCT
ajoaa-2080	385	11	,	,	PUNCT
ajoaa-2080	385	12	159–174	159–174	NUM
ajoaa-2080	385	13	.	.	PUNCT
ajoaa-2080	386	1	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/5139/determinantsofsuccessfulloanrepayment.pdf?sequence=1	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/5139/determinantsofsuccessfulloanrepayment.pdf?sequence=1	PROPN
ajoaa-2080	386	2	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/5139/determinantsofsuccessfulloanrepayment.pdf?sequence=1	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/5139/determinantsofsuccessfulloanrepayment.pdf?sequence=1	PROPN
ajoaa-2080	386	3	https://drum.lib.umd.edu/bitstream/handle/1903/15007/credit/fact/sheet.pdf?sequence=1	https://drum.lib.umd.edu/bitstream/handle/1903/15007/credit/fact/sheet.pdf?sequence=1	PROPN
ajoaa-2080	386	4	http://www.veritaszim.net/sites/veritas_d/files/movable_property_actr.pdf	http://www.veritaszim.net/sites/veritas_d/files/movable_property_actr.pdf	PROPN
ajoaa-2080	386	5	https://doi.org/10.17265/2161-6264/2015.01.004	https://doi.org/10.17265/2161-6264/2015.01.004	PROPN
ajoaa-2080	386	6	https://doi.org/10.17265/2161-6264/2015.01.004	https://doi.org/10.17265/2161-6264/2015.01.004	PROPN
ajoaa-2080	386	7	http://www.ifc.org/	http://www.ifc.org/	PROPN
ajoaa-2080	387	1	https://doi.org/10.20546/ijcmas.2017.607.439	https://doi.org/10.20546/ijcmas.2017.607.439	PROPN
ajoaa-2080	387	2	https://doi.org/10.5897/jdae2014.0591	https://doi.org/10.5897/jdae2014.0591	PROPN
ajoaa-2080	387	3	http://www.saprin.org/zimbabwe/research/zim_agriculture.pdf	http://www.saprin.org/zimbabwe/research/zim_agriculture.pdf	PROPN
ajoaa-2080	387	4	http://ulspace.ul.ac.za/bitstream/handle/10386/1730/braide_tm_2015.pdf?sequence=1&isallowed=y	http://ulspace.ul.ac.za/bitstream/handle/10386/1730/braide_tm_2015.pdf?sequence=1&isallowed=y	PROPN
ajoaa-2080	387	5	http://ulspace.ul.ac.za/bitstream/handle/10386/1730/braide_tm_2015.pdf?sequence=1&isallowed=y	http://ulspace.ul.ac.za/bitstream/handle/10386/1730/braide_tm_2015.pdf?sequence=1&isallowed=y	NOUN
ajoaa-2080	387	6	http://extwprlegs1.fao.org/docs/pdf/zim152671.pdf	http://extwprlegs1.fao.org/docs/pdf/zim152671.pdf	NOUN
ajoaa-2080	387	7	http://www.zwrcn.org.zw/images/budget_corner/2018_budget_statement_final.pdf	http://www.zwrcn.org.zw/images/budget_corner/2018_budget_statement_final.pdf	NOUN
ajoaa-2080	387	8	http://pubdocs.worldbank.org/en/570041495654735804/d2-mishra-et-al-abca-20170518.pdf	http://pubdocs.worldbank.org/en/570041495654735804/d2-mishra-et-al-abca-20170518.pdf	PUNCT
ajoaa-2080	387	9	http://pubdocs.worldbank.org/en/570041495654735804/d2-mishra-et-al-abca-20170518.pdf	http://pubdocs.worldbank.org/en/570041495654735804/d2-mishra-et-al-abca-20170518.pdf	PUNCT
ajoaa-2080	387	10	https://doi.org/10.1039/c5ra03566j	https://doi.org/10.1039/c5ra03566j	PROPN
ajoaa-2080	387	11	asian	asian	ADJ
ajoaa-2080	387	12	journal	journal	NOUN
ajoaa-2080	387	13	of	of	ADP
ajoaa-2080	387	14	agriculture	agriculture	NOUN
ajoaa-2080	387	15	and	and	CCONJ
ajoaa-2080	387	16	rural	rural	ADJ
ajoaa-2080	387	17	development	development	NOUN
ajoaa-2080	387	18	,	,	PUNCT
ajoaa-2080	387	19	10(2)2020	10(2)2020	NUM
ajoaa-2080	387	20	:	:	PUNCT
ajoaa-2080	387	21	628	628	NUM
ajoaa-2080	387	22	-	-	SYM
ajoaa-2080	387	23	644	644	NUM
ajoaa-2080	387	24	643	643	NUM
ajoaa-2080	387	25	ntow	ntow	ADJ
ajoaa-2080	387	26	-	-	PUNCT
ajoaa-2080	387	27	gyamfi	gyamfi	NOUN
ajoaa-2080	387	28	,	,	PUNCT
ajoaa-2080	387	29	m.	m.	NOUN
ajoaa-2080	387	30	,	,	PUNCT
ajoaa-2080	387	31	&	&	CCONJ
ajoaa-2080	387	32	boateng	boateng	PROPN
ajoaa-2080	387	33	,	,	PUNCT
ajoaa-2080	387	34	s.	s.	PROPN
ajoaa-2080	387	35	s.	s.	PROPN
ajoaa-2080	387	36	(	(	PUNCT
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ajoaa-2080	387	38	)	)	PUNCT
ajoaa-2080	387	39	.	.	PUNCT
ajoaa-2080	388	1	credit	credit	NOUN
ajoaa-2080	388	2	risk	risk	NOUN
ajoaa-2080	388	3	and	and	CCONJ
ajoaa-2080	388	4	loan	loan	NOUN
ajoaa-2080	388	5	default	default	NOUN
ajoaa-2080	388	6	among	among	ADP
ajoaa-2080	388	7	ghanaian	ghanaian	ADJ
ajoaa-2080	388	8	banks	bank	NOUN
ajoaa-2080	388	9	:	:	PUNCT
ajoaa-2080	388	10	an	an	DET
ajoaa-2080	388	11	exploratory	exploratory	ADJ
ajoaa-2080	388	12	study	study	NOUN
ajoaa-2080	388	13	.	.	PUNCT
ajoaa-2080	389	1	management	management	NOUN
ajoaa-2080	389	2	science	science	NOUN
ajoaa-2080	389	3	letters	letter	NOUN
ajoaa-2080	389	4	,	,	PUNCT
ajoaa-2080	389	5	3(3	3(3	NUM
ajoaa-2080	389	6	)	)	PUNCT
ajoaa-2080	389	7	,	,	PUNCT
ajoaa-2080	389	8	753–762	753–762	NUM
ajoaa-2080	389	9	.	.	PUNCT
ajoaa-2080	390	1	https://doi.org/10.5267/j.msl.2013.01.015	https://doi.org/10.5267/j.msl.2013.01.015	NOUN
ajoaa-2080	390	2	.	.	PUNCT
ajoaa-2080	390	3	nyamutowa	nyamutowa	PROPN
ajoaa-2080	390	4	,	,	PUNCT
ajoaa-2080	390	5	c.	c.	NOUN
ajoaa-2080	390	6	,	,	PUNCT
ajoaa-2080	390	7	&	&	CCONJ
ajoaa-2080	390	8	masunda	masunda	PROPN
ajoaa-2080	390	9	,	,	PUNCT
ajoaa-2080	390	10	s.	s.	PROPN
ajoaa-2080	390	11	(	(	PUNCT
ajoaa-2080	390	12	2013	2013	NUM
ajoaa-2080	390	13	)	)	PUNCT
ajoaa-2080	390	14	.	.	PUNCT
ajoaa-2080	391	1	an	an	DET
ajoaa-2080	391	2	analysis	analysis	NOUN
ajoaa-2080	391	3	of	of	ADP
ajoaa-2080	391	4	credit	credit	NOUN
ajoaa-2080	391	5	risk	risk	NOUN
ajoaa-2080	391	6	management	management	NOUN
ajoaa-2080	391	7	practices	practice	NOUN
ajoaa-2080	391	8	in	in	ADP
ajoaa-2080	391	9	commercial	commercial	ADJ
ajoaa-2080	391	10	banking	banking	NOUN
ajoaa-2080	391	11	institutions	institution	NOUN
ajoaa-2080	391	12	in	in	ADP
ajoaa-2080	391	13	zimbabwe	zimbabwe	PROPN
ajoaa-2080	391	14	.	.	PUNCT
ajoaa-2080	392	1	international	international	ADJ
ajoaa-2080	392	2	journal	journal	PROPN
ajoaa-2080	392	3	of	of	ADP
ajoaa-2080	392	4	economic	economic	ADJ
ajoaa-2080	392	5	research	research	NOUN
ajoaa-2080	392	6	,	,	PUNCT
ajoaa-2080	392	7	v4i1(2229–6156	v4i1(2229–6156	PROPN
ajoaa-2080	392	8	)	)	PUNCT
ajoaa-2080	392	9	,	,	PUNCT
ajoaa-2080	392	10	31–46	31–46	NUM
ajoaa-2080	392	11	.	.	PUNCT
ajoaa-2080	392	12	odu	odu	PROPN
ajoaa-2080	392	13	,	,	PUNCT
ajoaa-2080	392	14	o.	o.	PROPN
ajoaa-2080	392	15	,	,	PUNCT
ajoaa-2080	392	16	okoruwa	okoruwa	INTJ
ajoaa-2080	392	17	,	,	PUNCT
ajoaa-2080	392	18	v.	v.	ADV
ajoaa-2080	392	19	,	,	PUNCT
ajoaa-2080	392	20	adenegan	adenegan	VERB
ajoaa-2080	392	21	,	,	PUNCT
ajoaa-2080	392	22	k.	k.	PROPN
ajoaa-2080	392	23	,	,	PUNCT
ajoaa-2080	392	24	&	&	CCONJ
ajoaa-2080	392	25	olajide	olajide	NOUN
ajoaa-2080	392	26	,	,	PUNCT
ajoaa-2080	392	27	a.	a.	NOUN
ajoaa-2080	392	28	(	(	PUNCT
ajoaa-2080	392	29	2010	2010	NUM
ajoaa-2080	392	30	)	)	PUNCT
ajoaa-2080	392	31	.	.	PUNCT
ajoaa-2080	393	1	determinants	determinant	NOUN
ajoaa-2080	393	2	of	of	ADP
ajoaa-2080	393	3	rice	rice	NOUN
ajoaa-2080	393	4	farmer	farmer	NOUN
ajoaa-2080	393	5	'	'	PART
ajoaa-2080	393	6	s	s	NOUN
ajoaa-2080	393	7	access	access	NOUN
ajoaa-2080	393	8	to	to	ADP
ajoaa-2080	393	9	credit	credit	NOUN
ajoaa-2080	393	10	in	in	ADP
ajoaa-2080	393	11	niger	niger	PROPN
ajoaa-2080	393	12	state	state	NOUN
ajoaa-2080	393	13	,	,	PUNCT
ajoaa-2080	393	14	nigeria	nigeria	PROPN
ajoaa-2080	393	15	.	.	PUNCT
ajoaa-2080	394	1	journal	journal	PROPN
ajoaa-2080	394	2	of	of	ADP
ajoaa-2080	394	3	rural	rural	ADJ
ajoaa-2080	394	4	economics	economic	NOUN
ajoaa-2080	394	5	and	and	CCONJ
ajoaa-2080	394	6	development	development	NOUN
ajoaa-2080	394	7	,	,	PUNCT
ajoaa-2080	394	8	20(1	20(1	NUM
ajoaa-2080	394	9	)	)	PUNCT
ajoaa-2080	394	10	,	,	PUNCT
ajoaa-2080	394	11	8–20	8–20	PROPN
ajoaa-2080	394	12	.	.	PUNCT
ajoaa-2080	395	1	ololade	ololade	PROPN
ajoaa-2080	395	2	,	,	PUNCT
ajoaa-2080	395	3	r.	r.	PROPN
ajoaa-2080	395	4	,	,	PUNCT
ajoaa-2080	395	5	&	&	CCONJ
ajoaa-2080	395	6	olagunju	olagunju	PROPN
ajoaa-2080	395	7	,	,	PUNCT
ajoaa-2080	395	8	f.	f.	PROPN
ajoaa-2080	395	9	(	(	PUNCT
ajoaa-2080	395	10	2013	2013	NUM
ajoaa-2080	395	11	)	)	PUNCT
ajoaa-2080	395	12	.	.	PUNCT
ajoaa-2080	396	1	determinants	determinant	NOUN
ajoaa-2080	396	2	of	of	ADP
ajoaa-2080	396	3	access	access	NOUN
ajoaa-2080	396	4	to	to	ADP
ajoaa-2080	396	5	credit	credit	NOUN
ajoaa-2080	396	6	among	among	ADP
ajoaa-2080	396	7	rural	rural	ADJ
ajoaa-2080	396	8	farmers	farmer	NOUN
ajoaa-2080	396	9	in	in	ADP
ajoaa-2080	396	10	oyo	oyo	NOUN
ajoaa-2080	396	11	state	state	NOUN
ajoaa-2080	396	12	,	,	PUNCT
ajoaa-2080	396	13	nigeria	nigeria	PROPN
ajoaa-2080	396	14	.	.	PUNCT
ajoaa-2080	397	1	global	global	ADJ
ajoaa-2080	397	2	journal	journal	PROPN
ajoaa-2080	397	3	of	of	ADP
ajoaa-2080	397	4	science	science	PROPN
ajoaa-2080	397	5	frontier	frontier	NOUN
ajoaa-2080	397	6	research	research	NOUN
ajoaa-2080	397	7	agriculture	agriculture	NOUN
ajoaa-2080	397	8	and	and	CCONJ
ajoaa-2080	397	9	veterinary	veterinary	ADJ
ajoaa-2080	397	10	services	service	NOUN
ajoaa-2080	397	11	,	,	PUNCT
ajoaa-2080	397	12	13(2	13(2	PROPN
ajoaa-2080	397	13	)	)	PUNCT
ajoaa-2080	397	14	,	,	PUNCT
ajoaa-2080	397	15	17	17	NUM
ajoaa-2080	397	16	-	-	SYM
ajoaa-2080	397	17	22	22	NUM
ajoaa-2080	397	18	.	.	PUNCT
ajoaa-2080	397	19	https://doi.org/10.12691/ajrd-1-5-5	https://doi.org/10.12691/ajrd-1-5-5	PROPN
ajoaa-2080	397	20	.	.	PUNCT
ajoaa-2080	398	1	omankhanlen	omankhanlen	VERB
ajoaa-2080	398	2	,	,	PUNCT
ajoaa-2080	398	3	a.	a.	NOUN
ajoaa-2080	398	4	(	(	PUNCT
ajoaa-2080	398	5	2012	2012	NUM
ajoaa-2080	398	6	)	)	PUNCT
ajoaa-2080	398	7	.	.	PUNCT
ajoaa-2080	399	1	the	the	DET
ajoaa-2080	399	2	role	role	NOUN
ajoaa-2080	399	3	of	of	ADP
ajoaa-2080	399	4	banks	bank	NOUN
ajoaa-2080	399	5	in	in	ADP
ajoaa-2080	399	6	capital	capital	NOUN
ajoaa-2080	399	7	formation	formation	NOUN
ajoaa-2080	399	8	and	and	CCONJ
ajoaa-2080	399	9	economic	economic	ADJ
ajoaa-2080	399	10	growth	growth	NOUN
ajoaa-2080	399	11	:	:	PUNCT
ajoaa-2080	399	12	the	the	DET
ajoaa-2080	399	13	case	case	NOUN
ajoaa-2080	399	14	of	of	ADP
ajoaa-2080	399	15	nigeria	nigeria	PROPN
ajoaa-2080	399	16	.	.	PUNCT
ajoaa-2080	400	1	economy	economy	NOUN
ajoaa-2080	400	2	transdisciplinarity	transdisciplinarity	NOUN
ajoaa-2080	400	3	cognition	cognition	NOUN
ajoaa-2080	400	4	,	,	PUNCT
ajoaa-2080	400	5	5(103	5(103	NUM
ajoaa-2080	400	6	)	)	PUNCT
ajoaa-2080	400	7	,	,	PUNCT
ajoaa-2080	400	8	103–112	103–112	NUM
ajoaa-2080	400	9	.	.	PUNCT
ajoaa-2080	401	1	otieno	otieno	PROPN
ajoaa-2080	401	2	,	,	PUNCT
ajoaa-2080	401	3	m.	m.	NOUN
ajoaa-2080	401	4	(	(	PUNCT
ajoaa-2080	401	5	2013	2013	NUM
ajoaa-2080	401	6	)	)	PUNCT
ajoaa-2080	401	7	.	.	PUNCT
ajoaa-2080	402	1	the	the	DET
ajoaa-2080	402	2	effect	effect	NOUN
ajoaa-2080	402	3	of	of	ADP
ajoaa-2080	402	4	the	the	DET
ajoaa-2080	402	5	lending	lending	NOUN
ajoaa-2080	402	6	policies	policy	NOUN
ajoaa-2080	402	7	on	on	ADP
ajoaa-2080	402	8	the	the	DET
ajoaa-2080	402	9	levels	level	NOUN
ajoaa-2080	402	10	of	of	ADP
ajoaa-2080	402	11	non	non	ADJ
ajoaa-2080	402	12	-	-	ADJ
ajoaa-2080	402	13	performing	performing	ADJ
ajoaa-2080	402	14	loans	loan	NOUN
ajoaa-2080	402	15	(	(	PUNCT
ajoaa-2080	402	16	npls	npls	NOUN
ajoaa-2080	402	17	)	)	PUNCT
ajoaa-2080	402	18	of	of	ADP
ajoaa-2080	402	19	commercial	commercial	ADJ
ajoaa-2080	402	20	banks	bank	NOUN
ajoaa-2080	402	21	in	in	ADP
ajoaa-2080	402	22	kenya	kenya	PROPN
ajoaa-2080	402	23	.	.	PUNCT
ajoaa-2080	403	1	http://chss.uonbi.ac.ke/sites/default/files/chss/owino	http://chss.uonbi.ac.ke/sites/default/files/chss/owino	X
ajoaa-2080	404	1	michael	michael	PROPN
ajoaa-2080	404	2	otieno	otieno	VERB
ajoaa-2080	404	3	the	the	DET
ajoaa-2080	404	4	effect	effect	NOUN
ajoaa-2080	404	5	of	of	ADP
ajoaa-2080	404	6	lending	lend	VERB
ajoaa-2080	404	7	policies	policy	NOUN
ajoaa-2080	404	8	on	on	ADP
ajoaa-2080	404	9	the	the	DET
ajoaa-2080	404	10	levels	level	NOUN
ajoaa-2080	404	11	of	of	ADP
ajoaa-2080	404	12	npls	npls	NOUN
ajoaa-2080	404	13	of	of	ADP
ajoaa-2080	404	14	commercial	commercial	ADJ
ajoaa-2080	404	15	banks	bank	NOUN
ajoaa-2080	404	16	in	in	ADP
ajoaa-2080	404	17	kenya.pdf	kenya.pdf	PROPN
ajoaa-2080	404	18	.	.	PUNCT
ajoaa-2080	405	1	owusu	owusu	PROPN
ajoaa-2080	405	2	-	-	PUNCT
ajoaa-2080	405	3	dankwa	dankwa	PROPN
ajoaa-2080	405	4	,	,	PUNCT
ajoaa-2080	405	5	i.	i.	PROPN
ajoaa-2080	405	6	,	,	PUNCT
ajoaa-2080	405	7	&	&	CCONJ
ajoaa-2080	405	8	badu	badu	PROPN
ajoaa-2080	405	9	,	,	PUNCT
ajoaa-2080	405	10	g.	g.	PROPN
ajoaa-2080	405	11	p.	p.	PROPN
ajoaa-2080	405	12	(	(	PUNCT
ajoaa-2080	405	13	2013	2013	NUM
ajoaa-2080	405	14	)	)	PUNCT
ajoaa-2080	405	15	.	.	PUNCT
ajoaa-2080	406	1	principles	principle	NOUN
ajoaa-2080	406	2	and	and	CCONJ
ajoaa-2080	406	3	practice	practice	NOUN
ajoaa-2080	406	4	of	of	ADP
ajoaa-2080	406	5	lending	lending	NOUN
ajoaa-2080	406	6	in	in	ADP
ajoaa-2080	406	7	the	the	DET
ajoaa-2080	406	8	banking	banking	NOUN
ajoaa-2080	406	9	sector	sector	NOUN
ajoaa-2080	406	10	:	:	PUNCT
ajoaa-2080	406	11	a	a	DET
ajoaa-2080	406	12	case	case	NOUN
ajoaa-2080	406	13	study	study	NOUN
ajoaa-2080	406	14	of	of	ADP
ajoaa-2080	406	15	some	some	DET
ajoaa-2080	406	16	selected	select	VERB
ajoaa-2080	406	17	banks	bank	NOUN
ajoaa-2080	406	18	in	in	ADP
ajoaa-2080	406	19	ghana	ghana	PROPN
ajoaa-2080	406	20	.	.	PUNCT
ajoaa-2080	407	1	journal	journal	PROPN
ajoaa-2080	407	2	of	of	ADP
ajoaa-2080	407	3	contemporary	contemporary	ADJ
ajoaa-2080	407	4	integrative	integrative	ADJ
ajoaa-2080	407	5	ideas	idea	NOUN
ajoaa-2080	407	6	,	,	PUNCT
ajoaa-2080	407	7	1(2	1(2	NUM
ajoaa-2080	407	8	)	)	PUNCT
ajoaa-2080	407	9	,	,	PUNCT
ajoaa-2080	407	10	9–21	9–21	PROPN
ajoaa-2080	407	11	.	.	PUNCT
ajoaa-2080	407	12	ponnala	ponnala	PROPN
ajoaa-2080	407	13	,	,	PUNCT
ajoaa-2080	407	14	v.	v.	PROPN
ajoaa-2080	407	15	(	(	PUNCT
ajoaa-2080	407	16	2016	2016	NUM
ajoaa-2080	407	17	)	)	PUNCT
ajoaa-2080	407	18	.	.	PUNCT
ajoaa-2080	408	1	impact	impact	NOUN
ajoaa-2080	408	2	of	of	ADP
ajoaa-2080	408	3	banks	bank	NOUN
ajoaa-2080	408	4	deposit	deposit	NOUN
ajoaa-2080	408	5	mobilization	mobilization	NOUN
ajoaa-2080	408	6	and	and	CCONJ
ajoaa-2080	408	7	credit	credit	NOUN
ajoaa-2080	408	8	financing	financing	NOUN
ajoaa-2080	408	9	on	on	ADP
ajoaa-2080	408	10	capital	capital	NOUN
ajoaa-2080	408	11	formation	formation	NOUN
ajoaa-2080	408	12	.	.	PUNCT
ajoaa-2080	409	1	international	international	ADJ
ajoaa-2080	409	2	research	research	PROPN
ajoaa-2080	409	3	journal	journal	NOUN
ajoaa-2080	409	4	of	of	ADP
ajoaa-2080	409	5	marketing	marketing	NOUN
ajoaa-2080	409	6	and	and	CCONJ
ajoaa-2080	409	7	economics	economic	NOUN
ajoaa-2080	409	8	,	,	PUNCT
ajoaa-2080	409	9	3(6	3(6	NUM
ajoaa-2080	409	10	)	)	PUNCT
ajoaa-2080	409	11	,	,	PUNCT
ajoaa-2080	409	12	67–87	67–87	NUM
ajoaa-2080	409	13	.	.	PUNCT
ajoaa-2080	410	1	rbz	rbz	PROPN
ajoaa-2080	410	2	(	(	PUNCT
ajoaa-2080	410	3	2013	2013	NUM
ajoaa-2080	410	4	)	)	PUNCT
ajoaa-2080	410	5	operationalising	operationalise	VERB
ajoaa-2080	410	6	the	the	DET
ajoaa-2080	410	7	collateral	collateral	ADJ
ajoaa-2080	410	8	registry	registry	NOUN
ajoaa-2080	410	9	.	.	PUNCT
ajoaa-2080	411	1	https://www.rbz.co.zw/documents/credit_registry/collateralregistrypamplet.pdf	https://www.rbz.co.zw/documents/credit_registry/collateralregistrypamplet.pdf	PROPN
ajoaa-2080	411	2	.	.	PUNCT
ajoaa-2080	411	3	rbz	rbz	PROPN
ajoaa-2080	411	4	(	(	PUNCT
ajoaa-2080	411	5	2016	2016	NUM
ajoaa-2080	411	6	)	)	PUNCT
ajoaa-2080	411	7	.	.	PUNCT
ajoaa-2080	412	1	monetary	monetary	ADJ
ajoaa-2080	412	2	policy	policy	NOUN
ajoaa-2080	412	3	statement	statement	NOUN
ajoaa-2080	412	4	.	.	PUNCT
ajoaa-2080	413	1	https://www.rbz.co.zw/assets/monetary-policy-statementjanuary-2016.pdf	https://www.rbz.co.zw/assets/monetary-policy-statementjanuary-2016.pdf	X
ajoaa-2080	413	2	.	.	PUNCT
ajoaa-2080	414	1	rbz	rbz	PROPN
ajoaa-2080	414	2	(	(	PUNCT
ajoaa-2080	414	3	2019	2019	NUM
ajoaa-2080	414	4	)	)	PUNCT
ajoaa-2080	414	5	.	.	PUNCT
ajoaa-2080	415	1	monetary	monetary	ADJ
ajoaa-2080	415	2	policy	policy	NOUN
ajoaa-2080	415	3	statement	statement	NOUN
ajoaa-2080	415	4	:	:	PUNCT
ajoaa-2080	415	5	establishment	establishment	NOUN
ajoaa-2080	415	6	of	of	ADP
ajoaa-2080	415	7	an	an	DET
ajoaa-2080	415	8	inter	inter	ADJ
ajoaa-2080	415	9	-	-	ADJ
ajoaa-2080	415	10	bank	bank	ADJ
ajoaa-2080	415	11	foreign	foreign	ADJ
ajoaa-2080	415	12	exchange	exchange	NOUN
ajoaa-2080	415	13	market	market	NOUN
ajoaa-2080	415	14	to	to	PART
ajoaa-2080	415	15	restore	restore	VERB
ajoaa-2080	415	16	competitiveness	competitiveness	NOUN
ajoaa-2080	415	17	,	,	PUNCT
ajoaa-2080	415	18	1	1	NUM
ajoaa-2080	415	19	(	(	PUNCT
ajoaa-2080	415	20	2019	2019	NUM
ajoaa-2080	415	21	)	)	PUNCT
ajoaa-2080	415	22	.	.	PUNCT
ajoaa-2080	416	1	https://www.rbz.co.zw/documents/mps/mpsfeb2019.pdf	https://www.rbz.co.zw/documents/mps/mpsfeb2019.pdf	X
ajoaa-2080	416	2	.	.	PROPN
ajoaa-2080	416	3	richardson	richardson	PROPN
ajoaa-2080	416	4	,	,	PUNCT
ajoaa-2080	416	5	c.	c.	PROPN
ajoaa-2080	416	6	j.	j.	PROPN
ajoaa-2080	416	7	(	(	PUNCT
ajoaa-2080	416	8	2005	2005	NUM
ajoaa-2080	416	9	)	)	PUNCT
ajoaa-2080	416	10	.	.	PUNCT
ajoaa-2080	417	1	the	the	DET
ajoaa-2080	417	2	loss	loss	NOUN
ajoaa-2080	417	3	of	of	ADP
ajoaa-2080	417	4	property	property	NOUN
ajoaa-2080	417	5	rights	right	NOUN
ajoaa-2080	417	6	and	and	CCONJ
ajoaa-2080	417	7	the	the	DET
ajoaa-2080	417	8	collapse	collapse	NOUN
ajoaa-2080	417	9	of	of	ADP
ajoaa-2080	417	10	zimbabwe	zimbabwe	PROPN
ajoaa-2080	417	11	.	.	PUNCT
ajoaa-2080	418	1	cato	cato	PROPN
ajoaa-2080	418	2	journal	journal	PROPN
ajoaa-2080	418	3	,	,	PUNCT
ajoaa-2080	418	4	25(3	25(3	NUM
ajoaa-2080	418	5	)	)	PUNCT
ajoaa-2080	418	6	,	,	PUNCT
ajoaa-2080	418	7	1	1	NUM
ajoaa-2080	418	8	-	-	SYM
ajoaa-2080	418	9	35	35	NUM
ajoaa-2080	418	10	.	.	PUNCT
ajoaa-2080	418	11	rooshdi	rooshdi	PROPN
ajoaa-2080	418	12	,	,	PUNCT
ajoaa-2080	418	13	r.	r.	PROPN
ajoaa-2080	418	14	r.	r.	PROPN
ajoaa-2080	418	15	r.	r.	PROPN
ajoaa-2080	418	16	m.	m.	PROPN
ajoaa-2080	418	17	,	,	PUNCT
ajoaa-2080	418	18	majid	majid	PROPN
ajoaa-2080	418	19	,	,	PUNCT
ajoaa-2080	418	20	m.	m.	PROPN
ajoaa-2080	418	21	z.	z.	PROPN
ajoaa-2080	418	22	a.	a.	PROPN
ajoaa-2080	418	23	,	,	PUNCT
ajoaa-2080	418	24	sahamir	sahamir	VERB
ajoaa-2080	418	25	,	,	PUNCT
ajoaa-2080	418	26	s.	s.	PROPN
ajoaa-2080	418	27	r.	r.	PROPN
ajoaa-2080	418	28	,	,	PUNCT
ajoaa-2080	418	29	&	&	CCONJ
ajoaa-2080	418	30	ismail	ismail	PROPN
ajoaa-2080	418	31	,	,	PUNCT
ajoaa-2080	418	32	n.	n.	PROPN
ajoaa-2080	418	33	a.	a.	NOUN
ajoaa-2080	418	34	a.	a.	PROPN
ajoaa-2080	418	35	(	(	PUNCT
ajoaa-2080	418	36	2018	2018	NUM
ajoaa-2080	418	37	)	)	PUNCT
ajoaa-2080	418	38	.	.	PUNCT
ajoaa-2080	419	1	relative	relative	ADJ
ajoaa-2080	419	2	importance	importance	NOUN
ajoaa-2080	419	3	index	index	NOUN
ajoaa-2080	419	4	of	of	ADP
ajoaa-2080	419	5	sustainable	sustainable	ADJ
ajoaa-2080	419	6	design	design	NOUN
ajoaa-2080	419	7	and	and	CCONJ
ajoaa-2080	419	8	construction	construction	NOUN
ajoaa-2080	419	9	activities	activity	NOUN
ajoaa-2080	419	10	criteria	criterion	NOUN
ajoaa-2080	419	11	for	for	ADP
ajoaa-2080	419	12	green	green	ADJ
ajoaa-2080	419	13	highway	highway	NOUN
ajoaa-2080	419	14	.	.	PUNCT
ajoaa-2080	420	1	chemical	chemical	ADJ
ajoaa-2080	420	2	engineering	engineering	NOUN
ajoaa-2080	420	3	transactions	transaction	NOUN
ajoaa-2080	420	4	,	,	PUNCT
ajoaa-2080	420	5	63(2007	63(2007	NUM
ajoaa-2080	420	6	)	)	PUNCT
ajoaa-2080	420	7	,	,	PUNCT
ajoaa-2080	420	8	151–156	151–156	NUM
ajoaa-2080	420	9	.	.	PUNCT
ajoaa-2080	420	10	https://doi.org/10.3303/cet1863026	https://doi.org/10.3303/cet1863026	PROPN
ajoaa-2080	420	11	.	.	PUNCT
ajoaa-2080	421	1	rouse	rouse	VERB
ajoaa-2080	421	2	,	,	PUNCT
ajoaa-2080	421	3	c.	c.	PROPN
ajoaa-2080	421	4	(	(	PUNCT
ajoaa-2080	421	5	1989	1989	NUM
ajoaa-2080	421	6	)	)	PUNCT
ajoaa-2080	421	7	.	.	PUNCT
ajoaa-2080	422	1	bankers	banker	NOUN
ajoaa-2080	422	2	lending	lending	NOUN
ajoaa-2080	422	3	techniques	technique	NOUN
ajoaa-2080	422	4	.	.	PUNCT
ajoaa-2080	423	1	london	london	PROPN
ajoaa-2080	423	2	chartered	chartered	PROPN
ajoaa-2080	423	3	institute	institute	PROPN
ajoaa-2080	423	4	of	of	ADP
ajoaa-2080	423	5	bankers	bankers	PROPN
ajoaa-2080	423	6	.	.	PUNCT
ajoaa-2080	424	1	rukuni	rukuni	PROPN
ajoaa-2080	424	2	,	,	PUNCT
ajoaa-2080	424	3	m.	m.	NOUN
ajoaa-2080	424	4	(	(	PUNCT
ajoaa-2080	424	5	2012	2012	NUM
ajoaa-2080	424	6	)	)	PUNCT
ajoaa-2080	424	7	.	.	PUNCT
ajoaa-2080	425	1	why	why	SCONJ
ajoaa-2080	425	2	zimbabwe	zimbabwe	ADJ
ajoaa-2080	425	3	needs	need	VERB
ajoaa-2080	425	4	to	to	PART
ajoaa-2080	425	5	maintain	maintain	VERB
ajoaa-2080	425	6	a	a	DET
ajoaa-2080	425	7	multi	multi	NOUN
ajoaa-2080	425	8	‐	‐	ADJ
ajoaa-2080	425	9	form	form	NOUN
ajoaa-2080	425	10	land	land	NOUN
ajoaa-2080	425	11	tenure	tenure	NOUN
ajoaa-2080	425	12	system	system	NOUN
ajoaa-2080	425	13	.	.	PUNCT
ajoaa-2080	426	1	1–5	1–5	X
ajoaa-2080	426	2	.	.	PUNCT
ajoaa-2080	427	1	http://www.swradioafrica.com/documents/sokwanele	http://www.swradioafrica.com/documents/sokwanele	PROPN
ajoaa-2080	427	2	why	why	SCONJ
ajoaa-2080	427	3	zim	zim	PROPN
ajoaa-2080	427	4	needs	need	VERB
ajoaa-2080	427	5	to	to	PART
ajoaa-2080	427	6	maintain	maintain	VERB
ajoaa-2080	427	7	a	a	DET
ajoaa-2080	427	8	multiform	multiform	NOUN
ajoaa-2080	427	9	land	land	NOUN
ajoaa-2080	427	10	tenure	tenure	NOUN
ajoaa-2080	427	11	system.pdf	system.pdf	PROPN
ajoaa-2080	427	12	.	.	PUNCT
ajoaa-2080	428	1	safi	safi	PROPN
ajoaa-2080	428	2	,	,	PUNCT
ajoaa-2080	428	3	r.	r.	PROPN
ajoaa-2080	428	4	,	,	PUNCT
ajoaa-2080	428	5	&	&	CCONJ
ajoaa-2080	428	6	lin	lin	PROPN
ajoaa-2080	428	7	,	,	PUNCT
ajoaa-2080	428	8	z.	z.	PROPN
ajoaa-2080	428	9	(	(	PUNCT
ajoaa-2080	428	10	2014	2014	NUM
ajoaa-2080	428	11	)	)	PUNCT
ajoaa-2080	428	12	.	.	PUNCT
ajoaa-2080	429	1	using	use	VERB
ajoaa-2080	429	2	non	non	ADJ
ajoaa-2080	429	3	-	-	ADJ
ajoaa-2080	429	4	financial	financial	ADJ
ajoaa-2080	429	5	data	datum	NOUN
ajoaa-2080	429	6	to	to	PART
ajoaa-2080	429	7	assess	assess	VERB
ajoaa-2080	429	8	the	the	DET
ajoaa-2080	429	9	creditworthiness	creditworthiness	NOUN
ajoaa-2080	429	10	of	of	ADP
ajoaa-2080	429	11	businesses	business	NOUN
ajoaa-2080	429	12	in	in	ADP
ajoaa-2080	429	13	online	online	ADJ
ajoaa-2080	429	14	trade	trade	NOUN
ajoaa-2080	429	15	.	.	PUNCT
ajoaa-2080	430	1	pacis	pacis	PROPN
ajoaa-2080	430	2	,	,	PUNCT
ajoaa-2080	430	3	206	206	NUM
ajoaa-2080	431	1	(	(	PUNCT
ajoaa-2080	431	2	2014	2014	NUM
ajoaa-2080	431	3	)	)	PUNCT
ajoaa-2080	431	4	1–14	1–14	PROPN
ajoaa-2080	431	5	.	.	PUNCT
ajoaa-2080	431	6	samuel	samuel	PROPN
ajoaa-2080	431	7	,	,	PUNCT
ajoaa-2080	431	8	e.	e.	PROPN
ajoaa-2080	431	9	,	,	PUNCT
ajoaa-2080	431	10	isah	isah	PROPN
ajoaa-2080	431	11	,	,	PUNCT
ajoaa-2080	431	12	m.	m.	NOUN
ajoaa-2080	431	13	a.	a.	PROPN
ajoaa-2080	431	14	,	,	PUNCT
ajoaa-2080	431	15	&	&	CCONJ
ajoaa-2080	431	16	patil	patil	PROPN
ajoaa-2080	431	17	,	,	PUNCT
ajoaa-2080	431	18	b.	b.	PROPN
ajoaa-2080	431	19	l.	l.	PROPN
ajoaa-2080	431	20	(	(	PUNCT
ajoaa-2080	431	21	2015	2015	NUM
ajoaa-2080	431	22	)	)	PUNCT
ajoaa-2080	431	23	.	.	PUNCT
ajoaa-2080	432	1	the	the	DET
ajoaa-2080	432	2	determinants	determinant	NOUN
ajoaa-2080	432	3	of	of	ADP
ajoaa-2080	432	4	access	access	NOUN
ajoaa-2080	432	5	to	to	ADP
ajoaa-2080	432	6	agricultural	agricultural	ADJ
ajoaa-2080	432	7	credit	credit	NOUN
ajoaa-2080	432	8	for	for	ADP
ajoaa-2080	432	9	small	small	ADJ
ajoaa-2080	432	10	and	and	CCONJ
ajoaa-2080	432	11	marginal	marginal	ADJ
ajoaa-2080	432	12	farmers	farmer	NOUN
ajoaa-2080	432	13	'	'	PART
ajoaa-2080	432	14	in	in	ADP
ajoaa-2080	432	15	dharwad	dharwad	PROPN
ajoaa-2080	432	16	district	district	PROPN
ajoaa-2080	432	17	,	,	PUNCT
ajoaa-2080	432	18	karnataka	karnataka	PROPN
ajoaa-2080	432	19	,	,	PUNCT
ajoaa-2080	432	20	india	india	PROPN
ajoaa-2080	432	21	.	.	PUNCT
ajoaa-2080	432	22	research	research	PROPN
ajoaa-2080	432	23	journal	journal	PROPN
ajoaa-2080	432	24	of	of	ADP
ajoaa-2080	432	25	agriculture	agriculture	NOUN
ajoaa-2080	432	26	and	and	CCONJ
ajoaa-2080	432	27	forestry	forestry	NOUN
ajoaa-2080	432	28	sciences	science	NOUN
ajoaa-2080	432	29	,	,	PUNCT
ajoaa-2080	432	30	3(5	3(5	NUM
ajoaa-2080	432	31	)	)	PUNCT
ajoaa-2080	432	32	,	,	PUNCT
ajoaa-2080	432	33	1–5	1–5	PROPN
ajoaa-2080	432	34	.	.	NOUN
ajoaa-2080	432	35	sebatta	sebatta	PROPN
ajoaa-2080	432	36	,	,	PUNCT
ajoaa-2080	432	37	c.	c.	PROPN
ajoaa-2080	432	38	,	,	PUNCT
ajoaa-2080	432	39	wamulume	wamulume	PROPN
ajoaa-2080	432	40	,	,	PUNCT
ajoaa-2080	432	41	m.	m.	NOUN
ajoaa-2080	432	42	,	,	PUNCT
ajoaa-2080	432	43	&	&	CCONJ
ajoaa-2080	432	44	mwansakilwa	mwansakilwa	PROPN
ajoaa-2080	432	45	,	,	PUNCT
ajoaa-2080	432	46	c.	c.	PROPN
ajoaa-2080	432	47	(	(	PUNCT
ajoaa-2080	432	48	2014	2014	NUM
ajoaa-2080	432	49	)	)	PUNCT
ajoaa-2080	432	50	.	.	PUNCT
ajoaa-2080	433	1	determinants	determinant	NOUN
ajoaa-2080	433	2	of	of	ADP
ajoaa-2080	433	3	smallholder	smallholder	NOUN
ajoaa-2080	433	4	farmers	farmer	NOUN
ajoaa-2080	433	5	'	'	PART
ajoaa-2080	433	6	access	access	NOUN
ajoaa-2080	433	7	to	to	ADP
ajoaa-2080	433	8	agricultural	agricultural	ADJ
ajoaa-2080	433	9	finance	finance	NOUN
ajoaa-2080	433	10	in	in	ADP
ajoaa-2080	433	11	zambia	zambia	PROPN
ajoaa-2080	433	12	.	.	PUNCT
ajoaa-2080	434	1	journal	journal	PROPN
ajoaa-2080	434	2	of	of	ADP
ajoaa-2080	434	3	agricultural	agricultural	ADJ
ajoaa-2080	434	4	science	science	NOUN
ajoaa-2080	434	5	,	,	PUNCT
ajoaa-2080	434	6	6(11	6(11	NUM
ajoaa-2080	434	7	)	)	PUNCT
ajoaa-2080	434	8	,	,	PUNCT
ajoaa-2080	434	9	63	63	NUM
ajoaa-2080	434	10	-	-	SYM
ajoaa-2080	434	11	73	73	NUM
ajoaa-2080	434	12	.	.	PUNCT
ajoaa-2080	435	1	https://doi.org/10.5539/jas.v6n11p63	https://doi.org/10.5539/jas.v6n11p63	NOUN
ajoaa-2080	435	2	.	.	PUNCT
ajoaa-2080	436	1	seyoum	seyoum	PROPN
ajoaa-2080	436	2	,	,	PUNCT
ajoaa-2080	436	3	g.	g.	PROPN
ajoaa-2080	436	4	(	(	PUNCT
ajoaa-2080	436	5	2017	2017	NUM
ajoaa-2080	436	6	)	)	PUNCT
ajoaa-2080	436	7	.	.	PUNCT
ajoaa-2080	437	1	the	the	DET
ajoaa-2080	437	2	application	application	NOUN
ajoaa-2080	437	3	of	of	ADP
ajoaa-2080	437	4	campari	campari	ADJ
ajoaa-2080	437	5	model	model	NOUN
ajoaa-2080	437	6	in	in	ADP
ajoaa-2080	437	7	lending	lending	NOUN
ajoaa-2080	437	8	decisions	decision	NOUN
ajoaa-2080	437	9	in	in	ADP
ajoaa-2080	437	10	the	the	DET
ajoaa-2080	437	11	case	case	NOUN
ajoaa-2080	437	12	of	of	ADP
ajoaa-2080	437	13	ethiopian	ethiopian	ADJ
ajoaa-2080	437	14	private	private	ADJ
ajoaa-2080	437	15	banks	bank	NOUN
ajoaa-2080	437	16	.	.	PUNCT
ajoaa-2080	438	1	http://repository.smuc.edu.et/bitstream/123456789/3163/1/genene/seyoum.pdf	http://repository.smuc.edu.et/bitstream/123456789/3163/1/genene/seyoum.pdf	PROPN
ajoaa-2080	438	2	.	.	PUNCT
ajoaa-2080	438	3	shonhe	shonhe	NOUN
ajoaa-2080	438	4	,	,	PUNCT
ajoaa-2080	438	5	t.	t.	PROPN
ajoaa-2080	438	6	(	(	PUNCT
ajoaa-2080	438	7	2018	2018	NUM
ajoaa-2080	438	8	)	)	PUNCT
ajoaa-2080	438	9	.	.	PUNCT
ajoaa-2080	439	1	the	the	DET
ajoaa-2080	439	2	political	political	ADJ
ajoaa-2080	439	3	economy	economy	NOUN
ajoaa-2080	439	4	of	of	ADP
ajoaa-2080	439	5	agricultural	agricultural	ADJ
ajoaa-2080	439	6	commercialization	commercialization	NOUN
ajoaa-2080	439	7	in	in	ADP
ajoaa-2080	439	8	zimbabwe	zimbabwe	ADJ
ajoaa-2080	439	9	(	(	PUNCT
ajoaa-2080	439	10	issue	issue	NOUN
ajoaa-2080	439	11	april	april	PROPN
ajoaa-2080	439	12	)	)	PUNCT
ajoaa-2080	439	13	.	.	PUNCT
ajoaa-2080	440	1	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/13817/wp_12_layout_fi	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/13817/wp_12_layout_fi	PROPN
ajoaa-2080	440	2	nal%28003%29.pdf?sequence=1&isallowed	nal%28003%29.pdf?sequence=1&isallowed	PROPN
ajoaa-2080	440	3	=	=	PROPN
ajoaa-2080	440	4	y.	y.	PROPN
ajoaa-2080	440	5	https://doi.org/10.5267/j.msl.2013.01.015	https://doi.org/10.5267/j.msl.2013.01.015	PROPN
ajoaa-2080	440	6	https://doi.org/10.12691/ajrd-1-5-5	https://doi.org/10.12691/ajrd-1-5-5	VERB
ajoaa-2080	440	7	https://www.rbz.co.zw/documents/credit_registry/collateralregistrypamplet.pdf	https://www.rbz.co.zw/documents/credit_registry/collateralregistrypamplet.pdf	PROPN
ajoaa-2080	440	8	https://www.rbz.co.zw/assets/monetary-policy-statement-january-2016.pdf	https://www.rbz.co.zw/assets/monetary-policy-statement-january-2016.pdf	NOUN
ajoaa-2080	440	9	https://www.rbz.co.zw/assets/monetary-policy-statement-january-2016.pdf	https://www.rbz.co.zw/assets/monetary-policy-statement-january-2016.pdf	NOUN
ajoaa-2080	441	1	https://www.rbz.co.zw/documents/mps/mpsfeb2019.pdf	https://www.rbz.co.zw/documents/mps/mpsfeb2019.pdf	ADP
ajoaa-2080	441	2	https://doi.org/10.3303/cet1863026	https://doi.org/10.3303/cet1863026	X
ajoaa-2080	441	3	https://doi.org/10.5539/jas.v6n11p63	https://doi.org/10.5539/jas.v6n11p63	PRON
ajoaa-2080	441	4	http://repository.smuc.edu.et/bitstream/123456789/3163/1/genene/seyoum.pdf	http://repository.smuc.edu.et/bitstream/123456789/3163/1/genene/seyoum.pdf	NOUN
ajoaa-2080	441	5	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/13817/wp_12_layout_final%28003%29.pdf?sequence=1&isallowed=y	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/13817/wp_12_layout_final%28003%29.pdf?sequence=1&isallowed=y	PROPN
ajoaa-2080	441	6	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/13817/wp_12_layout_final%28003%29.pdf?sequence=1&isallowed=y	https://opendocs.ids.ac.uk/opendocs/bitstream/handle/123456789/13817/wp_12_layout_final%28003%29.pdf?sequence=1&isallowed=y	PROPN
ajoaa-2080	441	7	asian	asian	PROPN
ajoaa-2080	441	8	journal	journal	PROPN
ajoaa-2080	441	9	of	of	ADP
ajoaa-2080	441	10	agriculture	agriculture	NOUN
ajoaa-2080	441	11	and	and	CCONJ
ajoaa-2080	441	12	rural	rural	ADJ
ajoaa-2080	441	13	development	development	NOUN
ajoaa-2080	441	14	,	,	PUNCT
ajoaa-2080	441	15	10(2)2020	10(2)2020	NUM
ajoaa-2080	441	16	:	:	PUNCT
ajoaa-2080	441	17	628	628	NUM
ajoaa-2080	441	18	-	-	SYM
ajoaa-2080	441	19	644	644	NUM
ajoaa-2080	441	20	644	644	NUM
ajoaa-2080	441	21	somiah	somiah	NOUN
ajoaa-2080	441	22	,	,	PUNCT
ajoaa-2080	441	23	m.	m.	PROPN
ajoaa-2080	441	24	k.	k.	PROPN
ajoaa-2080	441	25	,	,	PUNCT
ajoaa-2080	441	26	osei	osei	PROPN
ajoaa-2080	441	27	-	-	PUNCT
ajoaa-2080	441	28	poku	poku	PROPN
ajoaa-2080	441	29	,	,	PUNCT
ajoaa-2080	441	30	g.	g.	PROPN
ajoaa-2080	441	31	,	,	PUNCT
ajoaa-2080	441	32	&	&	CCONJ
ajoaa-2080	441	33	aidoo	aidoo	PROPN
ajoaa-2080	441	34	,	,	PUNCT
ajoaa-2080	441	35	i.	i.	PROPN
ajoaa-2080	441	36	(	(	PUNCT
ajoaa-2080	441	37	2015	2015	NUM
ajoaa-2080	441	38	)	)	PUNCT
ajoaa-2080	441	39	.	.	PUNCT
ajoaa-2080	442	1	relative	relative	ADJ
ajoaa-2080	442	2	importance	importance	NOUN
ajoaa-2080	442	3	analysis	analysis	NOUN
ajoaa-2080	442	4	of	of	ADP
ajoaa-2080	442	5	factors	factor	NOUN
ajoaa-2080	442	6	influencing	influence	VERB
ajoaa-2080	442	7	unauthorized	unauthorized	ADJ
ajoaa-2080	442	8	siting	siting	NOUN
ajoaa-2080	442	9	of	of	ADP
ajoaa-2080	442	10	residential	residential	ADJ
ajoaa-2080	442	11	buildings	building	NOUN
ajoaa-2080	442	12	in	in	ADP
ajoaa-2080	442	13	the	the	DET
ajoaa-2080	442	14	sekondi	sekondi	ADJ
ajoaa-2080	442	15	-	-	PUNCT
ajoaa-2080	442	16	takoradi	takoradi	ADJ
ajoaa-2080	442	17	metropolis	metropolis	NOUN
ajoaa-2080	442	18	of	of	ADP
ajoaa-2080	442	19	ghana	ghana	PROPN
ajoaa-2080	442	20	.	.	PUNCT
ajoaa-2080	443	1	journal	journal	PROPN
ajoaa-2080	443	2	of	of	ADP
ajoaa-2080	443	3	building	build	VERB
ajoaa-2080	443	4	construction	construction	NOUN
ajoaa-2080	443	5	and	and	CCONJ
ajoaa-2080	443	6	planning	planning	NOUN
ajoaa-2080	443	7	research	research	NOUN
ajoaa-2080	443	8	,	,	PUNCT
ajoaa-2080	443	9	03(03	03(03	NOUN
ajoaa-2080	443	10	)	)	PUNCT
ajoaa-2080	443	11	,	,	PUNCT
ajoaa-2080	443	12	117–126	117–126	NUM
ajoaa-2080	443	13	.	.	PUNCT
ajoaa-2080	444	1	https://doi.org/10.4236/jbcpr.2015.33012	https://doi.org/10.4236/jbcpr.2015.33012	PROPN
ajoaa-2080	444	2	.	.	PROPN
ajoaa-2080	444	3	sulaiman	sulaiman	PROPN
ajoaa-2080	444	4	,	,	PUNCT
ajoaa-2080	444	5	l.	l.	PROPN
ajoaa-2080	444	6	a.	a.	PROPN
ajoaa-2080	444	7	,	,	PUNCT
ajoaa-2080	444	8	&	&	CCONJ
ajoaa-2080	444	9	aluko	aluko	PROPN
ajoaa-2080	444	10	,	,	PUNCT
ajoaa-2080	444	11	o.	o.	NOUN
ajoaa-2080	444	12	a.	a.	NOUN
ajoaa-2080	444	13	(	(	PUNCT
ajoaa-2080	444	14	2015	2015	NUM
ajoaa-2080	444	15	)	)	PUNCT
ajoaa-2080	444	16	.	.	PUNCT
ajoaa-2080	445	1	financial	financial	ADJ
ajoaa-2080	445	2	intermediation	intermediation	NOUN
ajoaa-2080	445	3	and	and	CCONJ
ajoaa-2080	445	4	economic	economic	ADJ
ajoaa-2080	445	5	growth	growth	NOUN
ajoaa-2080	445	6	:	:	PUNCT
ajoaa-2080	445	7	a	a	DET
ajoaa-2080	445	8	test	test	NOUN
ajoaa-2080	445	9	for	for	ADP
ajoaa-2080	445	10	causality	causality	NOUN
ajoaa-2080	445	11	in	in	ADP
ajoaa-2080	445	12	nigeria	nigeria	PROPN
ajoaa-2080	445	13	.	.	PUNCT
ajoaa-2080	446	1	banks	bank	NOUN
ajoaa-2080	446	2	and	and	CCONJ
ajoaa-2080	446	3	bank	bank	NOUN
ajoaa-2080	446	4	systems	system	NOUN
ajoaa-2080	446	5	,	,	PUNCT
ajoaa-2080	446	6	10(4	10(4	NUM
ajoaa-2080	446	7	)	)	PUNCT
ajoaa-2080	446	8	,	,	PUNCT
ajoaa-2080	446	9	69–74	69–74	NUM
ajoaa-2080	446	10	.	.	PUNCT
ajoaa-2080	446	11	swinkels	swinkels	PROPN
ajoaa-2080	446	12	,	,	PUNCT
ajoaa-2080	446	13	r.	r.	PROPN
ajoaa-2080	446	14	,	,	PUNCT
ajoaa-2080	446	15	&	&	CCONJ
ajoaa-2080	446	16	chipunza	chipunza	PROPN
ajoaa-2080	446	17	,	,	PUNCT
ajoaa-2080	446	18	p.	p.	NOUN
ajoaa-2080	446	19	(	(	PUNCT
ajoaa-2080	446	20	2018	2018	NUM
ajoaa-2080	446	21	)	)	PUNCT
ajoaa-2080	446	22	.	.	PUNCT
ajoaa-2080	447	1	trends	trend	NOUN
ajoaa-2080	447	2	in	in	ADP
ajoaa-2080	447	3	poverty	poverty	NOUN
ajoaa-2080	447	4	,	,	PUNCT
ajoaa-2080	447	5	urbanization	urbanization	NOUN
ajoaa-2080	447	6	and	and	CCONJ
ajoaa-2080	447	7	agricultural	agricultural	ADJ
ajoaa-2080	447	8	productivity	productivity	NOUN
ajoaa-2080	447	9	in	in	ADP
ajoaa-2080	447	10	zimbabwe	zimbabwe	ADJ
ajoaa-2080	447	11	preliminary	preliminary	ADJ
ajoaa-2080	447	12	findings	finding	NOUN
ajoaa-2080	447	13	.	.	PUNCT
ajoaa-2080	448	1	https://www.cfuzim.org/~cfuzimb/images/wburban.pdf	https://www.cfuzim.org/~cfuzimb/images/wburban.pdf	PROPN
ajoaa-2080	448	2	.	.	PUNCT
ajoaa-2080	448	3	tetteh	tetteh	PROPN
ajoaa-2080	448	4	,	,	PUNCT
ajoaa-2080	448	5	a.	a.	PROPN
ajoaa-2080	448	6	b.	b.	PROPN
ajoaa-2080	448	7	,	,	PUNCT
ajoaa-2080	448	8	sipilainen	sipilainen	PROPN
ajoaa-2080	448	9	,	,	PUNCT
ajoaa-2080	448	10	t.	t.	PROPN
ajoaa-2080	448	11	,	,	PUNCT
ajoaa-2080	448	12	backman	backman	PROPN
ajoaa-2080	448	13	,	,	PUNCT
ajoaa-2080	448	14	s.	s.	PROPN
ajoaa-2080	448	15	,	,	PUNCT
ajoaa-2080	448	16	&	&	CCONJ
ajoaa-2080	448	17	kola	kola	PROPN
ajoaa-2080	448	18	,	,	PUNCT
ajoaa-2080	448	19	j.	j.	PROPN
ajoaa-2080	448	20	(	(	PUNCT
ajoaa-2080	448	21	2015	2015	NUM
ajoaa-2080	448	22	)	)	PUNCT
ajoaa-2080	448	23	.	.	PUNCT
ajoaa-2080	449	1	factors	factor	NOUN
ajoaa-2080	449	2	influencing	influence	VERB
ajoaa-2080	449	3	smallholder	smallholder	NOUN
ajoaa-2080	449	4	farmers	farmer	NOUN
ajoaa-2080	449	5	access	access	NOUN
ajoaa-2080	449	6	to	to	ADP
ajoaa-2080	449	7	agricultural	agricultural	ADJ
ajoaa-2080	449	8	microcredit	microcredit	NOUN
ajoaa-2080	449	9	in	in	ADP
ajoaa-2080	449	10	northern	northern	ADJ
ajoaa-2080	449	11	ghana	ghana	PROPN
ajoaa-2080	449	12	.	.	PUNCT
ajoaa-2080	450	1	african	african	ADJ
ajoaa-2080	450	2	journal	journal	PROPN
ajoaa-2080	450	3	of	of	ADP
ajoaa-2080	450	4	agricultural	agricultural	ADJ
ajoaa-2080	450	5	research	research	NOUN
ajoaa-2080	450	6	,	,	PUNCT
ajoaa-2080	450	7	10(24	10(24	NUM
ajoaa-2080	450	8	)	)	PUNCT
ajoaa-2080	450	9	,	,	PUNCT
ajoaa-2080	450	10	2460–2469	2460–2469	NUM
ajoaa-2080	450	11	.	.	PUNCT
ajoaa-2080	451	1	https://doi.org/10.5897/ajar2015.9536	https://doi.org/10.5897/ajar2015.9536	NOUN
ajoaa-2080	451	2	.	.	PUNCT
ajoaa-2080	452	1	tetteh	tetteh	PROPN
ajoaa-2080	452	2	,	,	PUNCT
ajoaa-2080	452	3	e.	e.	PROPN
ajoaa-2080	452	4	n.	n.	PROPN
ajoaa-2080	452	5	n.	n.	PROPN
ajoaa-2080	452	6	(	(	PUNCT
ajoaa-2080	452	7	2011	2011	NUM
ajoaa-2080	452	8	)	)	PUNCT
ajoaa-2080	452	9	.	.	PUNCT
ajoaa-2080	453	1	assessment	assessment	NOUN
ajoaa-2080	453	2	of	of	ADP
ajoaa-2080	453	3	loan	loan	NOUN
ajoaa-2080	453	4	quality	quality	NOUN
ajoaa-2080	453	5	:	:	PUNCT
ajoaa-2080	453	6	evidence	evidence	NOUN
ajoaa-2080	453	7	from	from	ADP
ajoaa-2080	453	8	listed	list	VERB
ajoaa-2080	453	9	banks	bank	NOUN
ajoaa-2080	453	10	[	[	X
ajoaa-2080	453	11	kwame	kwame	PROPN
ajoaa-2080	453	12	nkrumah	nkrumah	PROPN
ajoaa-2080	453	13	university	university	PROPN
ajoaa-2080	453	14	of	of	ADP
ajoaa-2080	453	15	science	science	NOUN
ajoaa-2080	453	16	and	and	CCONJ
ajoaa-2080	453	17	technology	technology	NOUN
ajoaa-2080	453	18	]	]	PUNCT
ajoaa-2080	453	19	.	.	PUNCT
ajoaa-2080	454	1	http://dspace.knust.edu.gh/bitstream/123456789/4323/1/ethel/naa/nueki/tetteh.pdf	http://dspace.knust.edu.gh/bitstream/123456789/4323/1/ethel/naa/nueki/tetteh.pdf	PROPN
ajoaa-2080	454	2	.	.	PUNCT
ajoaa-2080	455	1	tsikirayi	tsikirayi	PROPN
ajoaa-2080	455	2	,	,	PUNCT
ajoaa-2080	455	3	c.	c.	PROPN
ajoaa-2080	455	4	m.	m.	PROPN
ajoaa-2080	455	5	r.	r.	PROPN
ajoaa-2080	455	6	,	,	PUNCT
ajoaa-2080	455	7	makoni	makoni	PROPN
ajoaa-2080	455	8	,	,	PUNCT
ajoaa-2080	455	9	e.	e.	PROPN
ajoaa-2080	455	10	,	,	PUNCT
ajoaa-2080	455	11	&	&	CCONJ
ajoaa-2080	455	12	matiza	matiza	PROPN
ajoaa-2080	455	13	,	,	PUNCT
ajoaa-2080	455	14	j.	j.	PROPN
ajoaa-2080	455	15	(	(	PUNCT
ajoaa-2080	455	16	2013	2013	NUM
ajoaa-2080	455	17	)	)	PUNCT
ajoaa-2080	455	18	.	.	PUNCT
ajoaa-2080	456	1	analysis	analysis	NOUN
ajoaa-2080	456	2	of	of	ADP
ajoaa-2080	456	3	the	the	DET
ajoaa-2080	456	4	uptake	uptake	NOUN
ajoaa-2080	456	5	of	of	ADP
ajoaa-2080	456	6	agricultural	agricultural	ADJ
ajoaa-2080	456	7	insurance	insurance	NOUN
ajoaa-2080	456	8	services	service	NOUN
ajoaa-2080	456	9	by	by	ADP
ajoaa-2080	456	10	the	the	DET
ajoaa-2080	456	11	agricultural	agricultural	ADJ
ajoaa-2080	456	12	sector	sector	NOUN
ajoaa-2080	456	13	in	in	ADP
ajoaa-2080	456	14	zimbabwe	zimbabwe	PROPN
ajoaa-2080	456	15	.	.	PUNCT
ajoaa-2080	457	1	journal	journal	PROPN
ajoaa-2080	457	2	of	of	ADP
ajoaa-2080	457	3	international	international	ADJ
ajoaa-2080	457	4	business	business	NOUN
ajoaa-2080	457	5	and	and	CCONJ
ajoaa-2080	457	6	cultural	cultural	ADJ
ajoaa-2080	457	7	studies	study	NOUN
ajoaa-2080	457	8	,	,	PUNCT
ajoaa-2080	457	9	7	7	NUM
ajoaa-2080	457	10	,	,	PUNCT
ajoaa-2080	457	11	1–14	1–14	PROPN
ajoaa-2080	457	12	.	.	PROPN
ajoaa-2080	457	13	united	united	PROPN
ajoaa-2080	457	14	nations	nations	PROPN
ajoaa-2080	457	15	(	(	PUNCT
ajoaa-2080	457	16	2014	2014	NUM
ajoaa-2080	457	17	)	)	PUNCT
ajoaa-2080	457	18	.	.	PUNCT
ajoaa-2080	458	1	zimbabwe	zimbabwe	ADJ
ajoaa-2080	458	2	country	country	PROPN
ajoaa-2080	458	3	analysis	analysis	NOUN
ajoaa-2080	458	4	working	work	VERB
ajoaa-2080	458	5	document	document	NOUN
ajoaa-2080	458	6	final	final	ADJ
ajoaa-2080	458	7	draft	draft	NOUN
ajoaa-2080	458	8	.	.	PUNCT
ajoaa-2080	459	1	https://doi.org/http://dx.doi.org/10.1093/ehjci/jev278	https://doi.org/http://dx.doi.org/10.1093/ehjci/jev278	ADJ
ajoaa-2080	459	2	.	.	PUNCT
ajoaa-2080	460	1	vitoria	vitoria	PROPN
ajoaa-2080	460	2	,	,	PUNCT
ajoaa-2080	460	3	b.	b.	PROPN
ajoaa-2080	460	4	,	,	PUNCT
ajoaa-2080	460	5	mudimu	mudimu	NOUN
ajoaa-2080	460	6	,	,	PUNCT
ajoaa-2080	460	7	g.	g.	PROPN
ajoaa-2080	460	8	,	,	PUNCT
ajoaa-2080	460	9	&	&	CCONJ
ajoaa-2080	460	10	moyo	moyo	PROPN
ajoaa-2080	460	11	,	,	PUNCT
ajoaa-2080	460	12	t.	t.	PROPN
ajoaa-2080	460	13	(	(	PUNCT
ajoaa-2080	460	14	2012	2012	NUM
ajoaa-2080	460	15	)	)	PUNCT
ajoaa-2080	460	16	.	.	PUNCT
ajoaa-2080	461	1	status	status	NOUN
ajoaa-2080	461	2	of	of	ADP
ajoaa-2080	461	3	agricultural	agricultural	ADJ
ajoaa-2080	461	4	and	and	CCONJ
ajoaa-2080	461	5	rural	rural	ADJ
ajoaa-2080	461	6	finance	finance	NOUN
ajoaa-2080	461	7	in	in	ADP
ajoaa-2080	461	8	zimbabwe	zimbabwe	PROPN
ajoaa-2080	461	9	.	.	PUNCT
ajoaa-2080	462	1	finmark	finmark	PROPN
ajoaa-2080	462	2	trust	trust	PROPN
ajoaa-2080	462	3	,	,	PUNCT
ajoaa-2080	462	4	july	july	PROPN
ajoaa-2080	462	5	.	.	PUNCT
ajoaa-2080	463	1	http://www.finmark.org.za/wp-content/uploads/2016/01/rep_status-ofrafin_zim.pdf	http://www.finmark.org.za/wp-content/uploads/2016/01/rep_status-ofrafin_zim.pdf	PROPN
ajoaa-2080	463	2	.	.	NOUN
ajoaa-2080	463	3	wulandari	wulandari	PROPN
ajoaa-2080	463	4	,	,	PUNCT
ajoaa-2080	463	5	e.	e.	PROPN
ajoaa-2080	463	6	,	,	PUNCT
ajoaa-2080	463	7	meuwissen	meuwissen	PROPN
ajoaa-2080	463	8	,	,	PUNCT
ajoaa-2080	463	9	m.	m.	NOUN
ajoaa-2080	463	10	p.	p.	PROPN
ajoaa-2080	463	11	m.	m.	NOUN
ajoaa-2080	463	12	,	,	PUNCT
ajoaa-2080	463	13	karmana	karmana	PROPN
ajoaa-2080	463	14	,	,	PUNCT
ajoaa-2080	463	15	m.	m.	PROPN
ajoaa-2080	463	16	h.	h.	PROPN
ajoaa-2080	463	17	,	,	PUNCT
ajoaa-2080	463	18	&	&	CCONJ
ajoaa-2080	463	19	oude	oude	PROPN
ajoaa-2080	463	20	lansink	lansink	PROPN
ajoaa-2080	463	21	,	,	PUNCT
ajoaa-2080	463	22	a.	a.	PROPN
ajoaa-2080	463	23	g.	g.	PROPN
ajoaa-2080	463	24	j.	j.	PROPN
ajoaa-2080	463	25	m.	m.	PROPN
ajoaa-2080	463	26	(	(	PUNCT
ajoaa-2080	463	27	2017	2017	NUM
ajoaa-2080	463	28	)	)	PUNCT
ajoaa-2080	463	29	.	.	PUNCT
ajoaa-2080	464	1	access	access	NOUN
ajoaa-2080	464	2	to	to	ADP
ajoaa-2080	464	3	finance	finance	NOUN
ajoaa-2080	464	4	from	from	ADP
ajoaa-2080	464	5	different	different	ADJ
ajoaa-2080	464	6	finance	finance	NOUN
ajoaa-2080	464	7	provider	provider	NOUN
ajoaa-2080	464	8	types	type	NOUN
ajoaa-2080	464	9	:	:	PUNCT
ajoaa-2080	464	10	farmer	farmer	NOUN
ajoaa-2080	464	11	knowledge	knowledge	NOUN
ajoaa-2080	464	12	of	of	ADP
ajoaa-2080	464	13	the	the	DET
ajoaa-2080	464	14	requirements	requirement	NOUN
ajoaa-2080	464	15	.	.	PUNCT
ajoaa-2080	465	1	plos	plos	PROPN
ajoaa-2080	465	2	one	one	NUM
ajoaa-2080	465	3	,	,	PUNCT
ajoaa-2080	465	4	12(9	12(9	NUM
ajoaa-2080	465	5	)	)	PUNCT
ajoaa-2080	465	6	,	,	PUNCT
ajoaa-2080	465	7	1	1	NUM
ajoaa-2080	465	8	-	-	SYM
ajoaa-2080	465	9	15	15	NUM
ajoaa-2080	465	10	.	.	PUNCT
ajoaa-2080	466	1	https://doi.org/10.1371/journal.pone.0179285	https://doi.org/10.1371/journal.pone.0179285	PROPN
ajoaa-2080	466	2	.	.	PUNCT
ajoaa-2080	467	1	https://doi.org/10.4236/jbcpr.2015.33012	https://doi.org/10.4236/jbcpr.2015.33012	PROPN
ajoaa-2080	467	2	https://www.cfuzim.org/~cfuzimb/images/wburban.pdf	https://www.cfuzim.org/~cfuzimb/images/wburban.pdf	PROPN
ajoaa-2080	467	3	https://doi.org/10.5897/ajar2015.9536	https://doi.org/10.5897/ajar2015.9536	NOUN
ajoaa-2080	467	4	http://dspace.knust.edu.gh/bitstream/123456789/4323/1/ethel/naa/nueki/tetteh.pdf	http://dspace.knust.edu.gh/bitstream/123456789/4323/1/ethel/naa/nueki/tetteh.pdf	VERB
ajoaa-2080	467	5	https://doi.org/http:/dx.doi.org/10.1093/ehjci/jev278	https://doi.org/http:/dx.doi.org/10.1093/ehjci/jev278	PROPN
ajoaa-2080	467	6	http://www.finmark.org.za/wp-content/uploads/2016/01/rep_status-of-rafin_zim.pdf	http://www.finmark.org.za/wp-content/uploads/2016/01/rep_status-of-rafin_zim.pdf	PROPN
ajoaa-2080	467	7	http://www.finmark.org.za/wp-content/uploads/2016/01/rep_status-of-rafin_zim.pdf	http://www.finmark.org.za/wp-content/uploads/2016/01/rep_status-of-rafin_zim.pdf	PROPN
ajoaa-2080	467	8	https://doi.org/10.1371/journal.pone.0179285	https://doi.org/10.1371/journal.pone.0179285	PROPN