id	sid	tid	token	lemma	pos
ajoaa-483	1	1	2011	2011	NUM
ajoaa-483	1	2	asian	asian	ADJ
ajoaa-483	1	3	economic	economic	ADJ
ajoaa-483	1	4	and	and	CCONJ
ajoaa-483	1	5	social	social	ADJ
ajoaa-483	1	6	society	society	NOUN
ajoaa-483	1	7	.	.	PUNCT
ajoaa-483	2	1	all	all	DET
ajoaa-483	2	2	rights	right	NOUN
ajoaa-483	2	3	reserved	reserve	VERB
ajoaa-483	2	4	issn(p	issn(p	PROPN
ajoaa-483	2	5	):	):	PUNCT
ajoaa-483	2	6	2304	2304	NUM
ajoaa-483	2	7	-	-	SYM
ajoaa-483	2	8	1455/	1455/	NUM
ajoaa-483	2	9	issn(e	issn(e	NOUN
ajoaa-483	2	10	):	):	PUNCT
ajoaa-483	2	11	2224	2224	NUM
ajoaa-483	2	12	-	-	SYM
ajoaa-483	2	13	4433	4433	NUM
ajoaa-483	2	14	farmers	farmer	NOUN
ajoaa-483	2	15	inaccessibility	inaccessibility	NOUN
ajoaa-483	2	16	to	to	ADP
ajoaa-483	2	17	agricultural	agricultural	ADJ
ajoaa-483	2	18	credit	credit	NOUN
ajoaa-483	2	19	in	in	ADP
ajoaa-483	2	20	nyandarua	nyandarua	PROPN
ajoaa-483	2	21	district	district	NOUN
ajoaa-483	2	22	,	,	PUNCT
ajoaa-483	2	23	kenya	kenya	PROPN
ajoaa-483	2	24	ng’eno	ng’eno	PROPN
ajoaa-483	2	25	vincent	vincent	PROPN
ajoaa-483	2	26	,	,	PUNCT
ajoaa-483	2	27	erick	erick	PROPN
ajoaa-483	2	28	jotham	jotham	PROPN
ajoaa-483	2	29	muiruri	muiruri	PROPN
ajoaa-483	2	30	,	,	PUNCT
ajoaa-483	2	31	philiph	philiph	PROPN
ajoaa-483	2	32	mulama	mulama	NOUN
ajoaa-483	2	33	nyangweso	nyangweso	VERB
ajoaa-483	2	34	,	,	PUNCT
ajoaa-483	2	35	b.	b.	PROPN
ajoaa-483	2	36	k.	k.	PROPN
ajoaa-483	2	37	langat	langat	PROPN
ajoaa-483	2	38	and	and	CCONJ
ajoaa-483	2	39	mary	mary	PROPN
ajoaa-483	2	40	jepkemboi	jepkemboi	PROPN
ajoaa-483	2	41	kipsat	kipsat	PROPN
ajoaa-483	2	42	(	(	PUNCT
ajoaa-483	2	43	department	department	NOUN
ajoaa-483	2	44	of	of	ADP
ajoaa-483	2	45	agricultural	agricultural	ADJ
ajoaa-483	2	46	economics	economic	NOUN
ajoaa-483	2	47	and	and	CCONJ
ajoaa-483	2	48	resource	resource	NOUN
ajoaa-483	2	49	management	management	NOUN
ajoaa-483	2	50	,	,	PUNCT
ajoaa-483	2	51	moi	moi	PROPN
ajoaa-483	2	52	university	university	PROPN
ajoaa-483	2	53	,	,	PUNCT
ajoaa-483	2	54	kenya	kenya	PROPN
ajoaa-483	2	55	)	)	PUNCT
ajoaa-483	2	56	to	to	PART
ajoaa-483	2	57	cite	cite	VERB
ajoaa-483	2	58	this	this	DET
ajoaa-483	2	59	article	article	NOUN
ajoaa-483	2	60	:	:	PUNCT
ajoaa-483	2	61	ng’eno	ng’eno	PROPN
ajoaa-483	2	62	vincent	vincent	PROPN
ajoaa-483	2	63	,	,	PUNCT
ajoaa-483	2	64	erick	erick	PROPN
ajoaa-483	2	65	jotham	jotham	PROPN
ajoaa-483	2	66	muiruri	muiruri	PROPN
ajoaa-483	2	67	,	,	PUNCT
ajoaa-483	2	68	philiph	philiph	PROPN
ajoaa-483	2	69	mulama	mulama	NOUN
ajoaa-483	2	70	nyangweso	nyangweso	VERB
ajoaa-483	2	71	,	,	PUNCT
ajoaa-483	2	72	b.	b.	PROPN
ajoaa-483	2	73	k.	k.	PROPN
ajoaa-483	2	74	langat	langat	PROPN
ajoaa-483	2	75	and	and	CCONJ
ajoaa-483	2	76	mary	mary	PROPN
ajoaa-483	2	77	jepkemboi	jepkemboi	PROPN
ajoaa-483	2	78	kipsat	kipsat	PROPN
ajoaa-483	2	79	(	(	PUNCT
ajoaa-483	2	80	2011	2011	NUM
ajoaa-483	2	81	)	)	PUNCT
ajoaa-483	2	82	.	.	PUNCT
ajoaa-483	3	1	farmers	farmer	NOUN
ajoaa-483	3	2	inaccessibility	inaccessibility	VERB
ajoaa-483	3	3	to	to	ADP
ajoaa-483	3	4	agricultural	agricultural	ADJ
ajoaa-483	3	5	credit	credit	NOUN
ajoaa-483	3	6	in	in	ADP
ajoaa-483	3	7	nyandarua	nyandarua	PROPN
ajoaa-483	3	8	district	district	PROPN
ajoaa-483	3	9	,	,	PUNCT
ajoaa-483	3	10	kenya	kenya	PROPN
ajoaa-483	3	11	.	.	PUNCT
ajoaa-483	4	1	asian	asian	PROPN
ajoaa-483	4	2	journal	journal	PROPN
ajoaa-483	4	3	of	of	ADP
ajoaa-483	4	4	agriculture	agriculture	NOUN
ajoaa-483	4	5	and	and	CCONJ
ajoaa-483	4	6	rural	rural	ADJ
ajoaa-483	4	7	development	development	NOUN
ajoaa-483	4	8	,	,	PUNCT
ajoaa-483	4	9	1(2	1(2	NUM
ajoaa-483	4	10	)	)	PUNCT
ajoaa-483	4	11	,	,	PUNCT
ajoaa-483	4	12	64	64	NUM
ajoaa-483	4	13	-	-	SYM
ajoaa-483	4	14	68	68	NUM
ajoaa-483	4	15	.	.	PUNCT
ajoaa-483	5	1	asian	asian	ADJ
ajoaa-483	5	2	journal	journal	PROPN
ajoaa-483	5	3	of	of	ADP
ajoaa-483	5	4	agriculture	agriculture	NOUN
ajoaa-483	5	5	and	and	CCONJ
ajoaa-483	5	6	rural	rural	ADJ
ajoaa-483	5	7	development	development	NOUN
ajoaa-483	5	8	,	,	PUNCT
ajoaa-483	5	9	1(2)2011	1(2)2011	NUM
ajoaa-483	5	10	:	:	PUNCT
ajoaa-483	5	11	64	64	NUM
ajoaa-483	5	12	-	-	SYM
ajoaa-483	5	13	68	68	NUM
ajoaa-483	5	14	†	†	NOUN
ajoaa-483	5	15	corresponding	correspond	VERB
ajoaa-483	5	16	author	author	NOUN
ajoaa-483	5	17	©	©	PROPN
ajoaa-483	5	18	2011	2011	NUM
ajoaa-483	5	19	asian	asian	ADJ
ajoaa-483	5	20	economic	economic	ADJ
ajoaa-483	5	21	and	and	CCONJ
ajoaa-483	5	22	social	social	ADJ
ajoaa-483	5	23	society	society	NOUN
ajoaa-483	5	24	.	.	PUNCT
ajoaa-483	6	1	all	all	DET
ajoaa-483	6	2	rights	right	NOUN
ajoaa-483	6	3	reserved	reserve	VERB
ajoaa-483	6	4	issn(p	issn(p	PROPN
ajoaa-483	6	5	):	):	PUNCT
ajoaa-483	6	6	2304	2304	NUM
ajoaa-483	6	7	-	-	SYM
ajoaa-483	6	8	1455/	1455/	NUM
ajoaa-483	6	9	issn(e	issn(e	NOUN
ajoaa-483	6	10	):	):	PUNCT
ajoaa-483	6	11	2224	2224	NUM
ajoaa-483	6	12	-	-	SYM
ajoaa-483	6	13	4433	4433	NUM
ajoaa-483	6	14	www.aessweb.com	www.aessweb.com	PROPN
ajoaa-483	6	15	author(s	author(s	PROPN
ajoaa-483	6	16	)	)	PUNCT
ajoaa-483	6	17	ng’eno	ng’eno	PROPN
ajoaa-483	6	18	vincent	vincent	PROPN
ajoaa-483	6	19	†	†	PROPN
ajoaa-483	6	20	department	department	PROPN
ajoaa-483	6	21	of	of	ADP
ajoaa-483	6	22	agricultural	agricultural	ADJ
ajoaa-483	6	23	economics	economic	NOUN
ajoaa-483	6	24	and	and	CCONJ
ajoaa-483	6	25	resource	resource	NOUN
ajoaa-483	6	26	management	management	NOUN
ajoaa-483	6	27	,	,	PUNCT
ajoaa-483	6	28	moi	moi	PROPN
ajoaa-483	6	29	university	university	PROPN
ajoaa-483	6	30	,	,	PUNCT
ajoaa-483	6	31	kenya	kenya	PROPN
ajoaa-483	6	32	e	e	PROPN
ajoaa-483	6	33	-	-	NOUN
ajoaa-483	6	34	mail	mail	NOUN
ajoaa-483	6	35	:	:	PUNCT
ajoaa-483	7	1	cngeno@gmail.com	cngeno@gmail.com	PROPN
ajoaa-483	7	2	erick	erick	PROPN
ajoaa-483	7	3	jotham	jotham	PROPN
ajoaa-483	7	4	muiruri	muiruri	PROPN
ajoaa-483	7	5	,	,	PUNCT
ajoaa-483	7	6	philiph	philiph	PROPN
ajoaa-483	7	7	mulama	mulama	NOUN
ajoaa-483	7	8	nyangweso	nyangweso	VERB
ajoaa-483	7	9	,	,	PUNCT
ajoaa-483	7	10	b.	b.	PROPN
ajoaa-483	7	11	k.	k.	PROPN
ajoaa-483	7	12	langat	langat	PROPN
ajoaa-483	7	13	and	and	CCONJ
ajoaa-483	7	14	mary	mary	PROPN
ajoaa-483	7	15	jepkemboi	jepkemboi	PROPN
ajoaa-483	7	16	kipsat	kipsat	PROPN
ajoaa-483	7	17	department	department	PROPN
ajoaa-483	7	18	of	of	ADP
ajoaa-483	7	19	agricultural	agricultural	ADJ
ajoaa-483	7	20	economics	economic	NOUN
ajoaa-483	7	21	and	and	CCONJ
ajoaa-483	7	22	resource	resource	NOUN
ajoaa-483	7	23	management	management	NOUN
ajoaa-483	7	24	,	,	PUNCT
ajoaa-483	7	25	moi	moi	PROPN
ajoaa-483	7	26	university	university	PROPN
ajoaa-483	7	27	,	,	PUNCT
ajoaa-483	7	28	kenya	kenya	PROPN
ajoaa-483	7	29	farmers	farmer	NOUN
ajoaa-483	7	30	inaccessibility	inaccessibility	NOUN
ajoaa-483	7	31	to	to	ADP
ajoaa-483	7	32	agricultural	agricultural	ADJ
ajoaa-483	7	33	credit	credit	NOUN
ajoaa-483	7	34	in	in	ADP
ajoaa-483	7	35	nyandarua	nyandarua	PROPN
ajoaa-483	7	36	district	district	PROPN
ajoaa-483	7	37	,	,	PUNCT
ajoaa-483	7	38	kenya	kenya	PROPN
ajoaa-483	7	39	abstract	abstract	ADJ
ajoaa-483	7	40	smallholder	smallholder	NOUN
ajoaa-483	7	41	farmers	farmer	NOUN
ajoaa-483	7	42	face	face	VERB
ajoaa-483	7	43	various	various	ADJ
ajoaa-483	7	44	challenges	challenge	NOUN
ajoaa-483	7	45	in	in	ADP
ajoaa-483	7	46	production	production	NOUN
ajoaa-483	7	47	one	one	NUM
ajoaa-483	7	48	of	of	ADP
ajoaa-483	7	49	them	they	PRON
ajoaa-483	7	50	being	be	AUX
ajoaa-483	7	51	inaccessibility	inaccessibility	NOUN
ajoaa-483	7	52	to	to	ADP
ajoaa-483	7	53	credit	credit	NOUN
ajoaa-483	7	54	.	.	PUNCT
ajoaa-483	8	1	this	this	DET
ajoaa-483	8	2	study	study	NOUN
ajoaa-483	8	3	specifically	specifically	ADV
ajoaa-483	8	4	sought	seek	VERB
ajoaa-483	8	5	to	to	PART
ajoaa-483	8	6	identify	identify	VERB
ajoaa-483	8	7	household	household	NOUN
ajoaa-483	8	8	socio	socio	NOUN
ajoaa-483	8	9	-	-	PUNCT
ajoaa-483	8	10	economic	economic	ADJ
ajoaa-483	8	11	characteristics	characteristic	NOUN
ajoaa-483	8	12	and	and	CCONJ
ajoaa-483	8	13	institutional	institutional	ADJ
ajoaa-483	8	14	requirements	requirement	NOUN
ajoaa-483	8	15	influencing	influence	VERB
ajoaa-483	8	16	access	access	NOUN
ajoaa-483	8	17	to	to	ADP
ajoaa-483	8	18	credit	credit	NOUN
ajoaa-483	8	19	among	among	ADP
ajoaa-483	8	20	smallholder	smallholder	NOUN
ajoaa-483	8	21	farmers	farmer	NOUN
ajoaa-483	8	22	in	in	ADP
ajoaa-483	8	23	nyandarua	nyandarua	PROPN
ajoaa-483	8	24	district	district	NOUN
ajoaa-483	8	25	.	.	PUNCT
ajoaa-483	9	1	the	the	DET
ajoaa-483	9	2	study	study	NOUN
ajoaa-483	9	3	used	use	VERB
ajoaa-483	9	4	a	a	DET
ajoaa-483	9	5	logit	logit	NOUN
ajoaa-483	9	6	model	model	NOUN
ajoaa-483	9	7	.	.	PUNCT
ajoaa-483	10	1	both	both	DET
ajoaa-483	10	2	quantitative	quantitative	ADJ
ajoaa-483	10	3	and	and	CCONJ
ajoaa-483	10	4	qualitative	qualitative	ADJ
ajoaa-483	10	5	data	datum	NOUN
ajoaa-483	10	6	were	be	AUX
ajoaa-483	10	7	acquired	acquire	VERB
ajoaa-483	10	8	from	from	ADP
ajoaa-483	10	9	primary	primary	ADJ
ajoaa-483	10	10	and	and	CCONJ
ajoaa-483	10	11	secondary	secondary	ADJ
ajoaa-483	10	12	sources	source	NOUN
ajoaa-483	10	13	.	.	PUNCT
ajoaa-483	11	1	primary	primary	ADJ
ajoaa-483	11	2	data	datum	NOUN
ajoaa-483	11	3	was	be	AUX
ajoaa-483	11	4	collected	collect	VERB
ajoaa-483	11	5	using	use	VERB
ajoaa-483	11	6	questionnaires	questionnaire	NOUN
ajoaa-483	11	7	through	through	ADP
ajoaa-483	11	8	a	a	DET
ajoaa-483	11	9	survey	survey	NOUN
ajoaa-483	11	10	design	design	NOUN
ajoaa-483	11	11	.	.	PUNCT
ajoaa-483	12	1	a	a	DET
ajoaa-483	12	2	sample	sample	NOUN
ajoaa-483	12	3	of	of	ADP
ajoaa-483	12	4	264	264	NUM
ajoaa-483	12	5	smallholder	smallholder	NOUN
ajoaa-483	12	6	farmers	farmer	NOUN
ajoaa-483	12	7	was	be	AUX
ajoaa-483	12	8	selected	select	VERB
ajoaa-483	12	9	using	use	VERB
ajoaa-483	12	10	stratified	stratify	VERB
ajoaa-483	12	11	,	,	PUNCT
ajoaa-483	12	12	multi	multi	ADJ
ajoaa-483	12	13	-	-	ADJ
ajoaa-483	12	14	stage	stage	ADJ
ajoaa-483	12	15	random	random	ADJ
ajoaa-483	12	16	sampling	sampling	NOUN
ajoaa-483	12	17	techniques	technique	NOUN
ajoaa-483	12	18	.	.	PUNCT
ajoaa-483	13	1	data	datum	NOUN
ajoaa-483	13	2	was	be	AUX
ajoaa-483	13	3	analyzed	analyze	VERB
ajoaa-483	13	4	using	use	VERB
ajoaa-483	13	5	descriptive	descriptive	ADJ
ajoaa-483	13	6	statistics	statistic	NOUN
ajoaa-483	13	7	and	and	CCONJ
ajoaa-483	13	8	regression	regression	VERB
ajoaa-483	13	9	analysis	analysis	NOUN
ajoaa-483	13	10	using	use	VERB
ajoaa-483	13	11	statistical	statistical	ADJ
ajoaa-483	13	12	package	package	NOUN
ajoaa-483	13	13	for	for	ADP
ajoaa-483	13	14	social	social	ADJ
ajoaa-483	13	15	sciences	science	NOUN
ajoaa-483	13	16	(	(	PUNCT
ajoaa-483	13	17	spss	spss	PROPN
ajoaa-483	13	18	)	)	PUNCT
ajoaa-483	13	19	.	.	PUNCT
ajoaa-483	14	1	the	the	DET
ajoaa-483	14	2	study	study	NOUN
ajoaa-483	14	3	established	establish	VERB
ajoaa-483	14	4	that	that	SCONJ
ajoaa-483	14	5	socio	socio	NOUN
ajoaa-483	14	6	-	-	PUNCT
ajoaa-483	14	7	economic	economic	ADJ
ajoaa-483	14	8	constraints	constraint	NOUN
ajoaa-483	14	9	such	such	ADJ
ajoaa-483	14	10	as	as	ADP
ajoaa-483	14	11	age	age	NOUN
ajoaa-483	14	12	,	,	PUNCT
ajoaa-483	14	13	gender	gender	NOUN
ajoaa-483	14	14	,	,	PUNCT
ajoaa-483	14	15	household	household	NOUN
ajoaa-483	14	16	size	size	NOUN
ajoaa-483	14	17	,	,	PUNCT
ajoaa-483	14	18	farm	farm	NOUN
ajoaa-483	14	19	income	income	NOUN
ajoaa-483	14	20	,	,	PUNCT
ajoaa-483	14	21	collateral	collateral	NOUN
ajoaa-483	14	22	and	and	CCONJ
ajoaa-483	14	23	awareness	awareness	NOUN
ajoaa-483	14	24	are	be	AUX
ajoaa-483	14	25	critical	critical	ADJ
ajoaa-483	14	26	determinants	determinant	NOUN
ajoaa-483	14	27	of	of	ADP
ajoaa-483	14	28	access	access	NOUN
ajoaa-483	14	29	to	to	ADP
ajoaa-483	14	30	credit	credit	NOUN
ajoaa-483	14	31	.	.	PUNCT
ajoaa-483	15	1	the	the	DET
ajoaa-483	15	2	study	study	NOUN
ajoaa-483	15	3	concludes	conclude	VERB
ajoaa-483	15	4	that	that	SCONJ
ajoaa-483	15	5	household	household	NOUN
ajoaa-483	15	6	socio	socio	NOUN
ajoaa-483	15	7	-	-	PUNCT
ajoaa-483	15	8	economic	economic	ADJ
ajoaa-483	15	9	characteristics	characteristic	NOUN
ajoaa-483	15	10	do	do	VERB
ajoaa-483	15	11	influence	influence	NOUN
ajoaa-483	15	12	access	access	NOUN
ajoaa-483	15	13	to	to	ADP
ajoaa-483	15	14	credit	credit	NOUN
ajoaa-483	15	15	.	.	PUNCT
ajoaa-483	16	1	key	key	ADJ
ajoaa-483	16	2	recommendations	recommendation	NOUN
ajoaa-483	16	3	made	make	VERB
ajoaa-483	16	4	include	include	VERB
ajoaa-483	16	5	the	the	DET
ajoaa-483	16	6	need	need	NOUN
ajoaa-483	16	7	by	by	ADP
ajoaa-483	16	8	government	government	NOUN
ajoaa-483	16	9	to	to	PART
ajoaa-483	16	10	deal	deal	VERB
ajoaa-483	16	11	with	with	ADP
ajoaa-483	16	12	bureaucracies	bureaucracy	NOUN
ajoaa-483	16	13	involved	involve	VERB
ajoaa-483	16	14	in	in	ADP
ajoaa-483	16	15	land	land	NOUN
ajoaa-483	16	16	registration	registration	NOUN
ajoaa-483	16	17	to	to	PART
ajoaa-483	16	18	benefit	benefit	VERB
ajoaa-483	16	19	majority	majority	NOUN
ajoaa-483	16	20	of	of	ADP
ajoaa-483	16	21	smallholder	smallholder	NOUN
ajoaa-483	16	22	farmers	farmer	NOUN
ajoaa-483	16	23	who	who	PRON
ajoaa-483	16	24	remain	remain	VERB
ajoaa-483	16	25	insecure	insecure	ADJ
ajoaa-483	16	26	in	in	ADP
ajoaa-483	16	27	the	the	DET
ajoaa-483	16	28	land	land	NOUN
ajoaa-483	16	29	they	they	PRON
ajoaa-483	16	30	use	use	VERB
ajoaa-483	16	31	without	without	ADP
ajoaa-483	16	32	proof	proof	NOUN
ajoaa-483	16	33	of	of	ADP
ajoaa-483	16	34	ownership	ownership	NOUN
ajoaa-483	16	35	and	and	CCONJ
ajoaa-483	16	36	also	also	ADV
ajoaa-483	16	37	to	to	PART
ajoaa-483	16	38	make	make	VERB
ajoaa-483	16	39	easier	easy	ADJ
ajoaa-483	16	40	the	the	DET
ajoaa-483	16	41	registration	registration	NOUN
ajoaa-483	16	42	of	of	ADP
ajoaa-483	16	43	lease	lease	NOUN
ajoaa-483	16	44	certificates	certificate	NOUN
ajoaa-483	16	45	for	for	ADP
ajoaa-483	16	46	those	those	PRON
ajoaa-483	16	47	who	who	PRON
ajoaa-483	16	48	do	do	AUX
ajoaa-483	16	49	not	not	PART
ajoaa-483	16	50	own	own	VERB
ajoaa-483	16	51	land	land	NOUN
ajoaa-483	16	52	and	and	CCONJ
ajoaa-483	16	53	use	use	VERB
ajoaa-483	16	54	land	land	NOUN
ajoaa-483	16	55	on	on	ADP
ajoaa-483	16	56	leasehold	leasehold	NOUN
ajoaa-483	16	57	tenure	tenure	NOUN
ajoaa-483	16	58	system	system	NOUN
ajoaa-483	16	59	.	.	PUNCT
ajoaa-483	17	1	financial	financial	ADJ
ajoaa-483	17	2	institutions	institution	NOUN
ajoaa-483	17	3	should	should	AUX
ajoaa-483	17	4	also	also	ADV
ajoaa-483	17	5	put	put	VERB
ajoaa-483	17	6	in	in	ADP
ajoaa-483	17	7	place	place	NOUN
ajoaa-483	17	8	less	less	ADV
ajoaa-483	17	9	stringent	stringent	ADJ
ajoaa-483	17	10	credit	credit	NOUN
ajoaa-483	17	11	requirements	requirement	NOUN
ajoaa-483	17	12	and	and	CCONJ
ajoaa-483	17	13	reduce	reduce	VERB
ajoaa-483	17	14	credit	credit	NOUN
ajoaa-483	17	15	costs	cost	NOUN
ajoaa-483	17	16	especially	especially	ADV
ajoaa-483	17	17	interest	interest	NOUN
ajoaa-483	17	18	rates	rate	NOUN
ajoaa-483	17	19	to	to	PART
ajoaa-483	17	20	make	make	VERB
ajoaa-483	17	21	credit	credit	NOUN
ajoaa-483	17	22	more	more	ADV
ajoaa-483	17	23	affordable	affordable	ADJ
ajoaa-483	17	24	.	.	PUNCT
ajoaa-483	18	1	keywords	keyword	NOUN
ajoaa-483	18	2	:	:	PUNCT
ajoaa-483	18	3	credit	credit	NOUN
ajoaa-483	18	4	access	access	NOUN
ajoaa-483	18	5	,	,	PUNCT
ajoaa-483	18	6	small	small	ADJ
ajoaa-483	18	7	-	-	PUNCT
ajoaa-483	18	8	holder	holder	NOUN
ajoaa-483	18	9	farmers	farmer	NOUN
ajoaa-483	18	10	,	,	PUNCT
ajoaa-483	18	11	socio	socio	NOUN
ajoaa-483	18	12	-	-	PUNCT
ajoaa-483	18	13	economic	economic	ADJ
ajoaa-483	18	14	constraints	constraint	NOUN
ajoaa-483	18	15	,	,	PUNCT
ajoaa-483	18	16	kenya	kenya	PROPN
ajoaa-483	18	17	introduction	introduction	NOUN
ajoaa-483	18	18	the	the	DET
ajoaa-483	18	19	smallholder	smallholder	NOUN
ajoaa-483	18	20	farm	farm	NOUN
ajoaa-483	18	21	sector	sector	NOUN
ajoaa-483	18	22	plays	play	VERB
ajoaa-483	18	23	a	a	DET
ajoaa-483	18	24	critical	critical	ADJ
ajoaa-483	18	25	role	role	NOUN
ajoaa-483	18	26	in	in	ADP
ajoaa-483	18	27	kenya	kenya	PROPN
ajoaa-483	18	28	’s	’s	PART
ajoaa-483	18	29	economic	economic	ADJ
ajoaa-483	18	30	development	development	NOUN
ajoaa-483	18	31	.	.	PUNCT
ajoaa-483	19	1	in	in	ADP
ajoaa-483	19	2	1998	1998	NUM
ajoaa-483	19	3	,	,	PUNCT
ajoaa-483	19	4	for	for	ADP
ajoaa-483	19	5	instance	instance	NOUN
ajoaa-483	19	6	,	,	PUNCT
ajoaa-483	19	7	the	the	DET
ajoaa-483	19	8	sector	sector	NOUN
ajoaa-483	19	9	contributed	contribute	VERB
ajoaa-483	19	10	75	75	NUM
ajoaa-483	19	11	percent	percent	NOUN
ajoaa-483	19	12	of	of	ADP
ajoaa-483	19	13	the	the	DET
ajoaa-483	19	14	country	country	NOUN
ajoaa-483	19	15	’s	’s	PART
ajoaa-483	19	16	total	total	ADJ
ajoaa-483	19	17	value	value	NOUN
ajoaa-483	19	18	of	of	ADP
ajoaa-483	19	19	agricultural	agricultural	ADJ
ajoaa-483	19	20	output	output	NOUN
ajoaa-483	19	21	and	and	CCONJ
ajoaa-483	19	22	over	over	ADP
ajoaa-483	19	23	85	85	NUM
ajoaa-483	19	24	%	%	NOUN
ajoaa-483	19	25	of	of	ADP
ajoaa-483	19	26	the	the	DET
ajoaa-483	19	27	total	total	ADJ
ajoaa-483	19	28	employment	employment	NOUN
ajoaa-483	19	29	in	in	ADP
ajoaa-483	19	30	the	the	DET
ajoaa-483	19	31	agricultural	agricultural	ADJ
ajoaa-483	19	32	sector	sector	NOUN
ajoaa-483	19	33	(	(	PUNCT
ajoaa-483	19	34	gok	gok	NOUN
ajoaa-483	19	35	,	,	PUNCT
ajoaa-483	19	36	1999	1999	NUM
ajoaa-483	19	37	)	)	PUNCT
ajoaa-483	19	38	.	.	PUNCT
ajoaa-483	20	1	in	in	ADP
ajoaa-483	20	2	the	the	DET
ajoaa-483	20	3	year	year	NOUN
ajoaa-483	20	4	2000	2000	NUM
ajoaa-483	20	5	,	,	PUNCT
ajoaa-483	20	6	the	the	DET
ajoaa-483	20	7	smallholder	smallholder	NOUN
ajoaa-483	20	8	farmers	farmer	NOUN
ajoaa-483	20	9	formed	form	VERB
ajoaa-483	20	10	more	more	ADJ
ajoaa-483	20	11	than	than	ADP
ajoaa-483	20	12	80	80	NUM
ajoaa-483	20	13	percent	percent	NOUN
ajoaa-483	20	14	of	of	ADP
ajoaa-483	20	15	the	the	DET
ajoaa-483	20	16	farming	farming	NOUN
ajoaa-483	20	17	community	community	NOUN
ajoaa-483	20	18	and	and	CCONJ
ajoaa-483	20	19	produced	produce	VERB
ajoaa-483	20	20	most	most	ADJ
ajoaa-483	20	21	food	food	NOUN
ajoaa-483	20	22	and	and	CCONJ
ajoaa-483	20	23	cash	cash	NOUN
ajoaa-483	20	24	crops	crop	NOUN
ajoaa-483	20	25	in	in	ADP
ajoaa-483	20	26	the	the	DET
ajoaa-483	20	27	country	country	NOUN
ajoaa-483	20	28	(	(	PUNCT
ajoaa-483	20	29	odendo	odendo	ADJ
ajoaa-483	20	30	,	,	PUNCT
ajoaa-483	20	31	2000	2000	NUM
ajoaa-483	20	32	)	)	PUNCT
ajoaa-483	20	33	.	.	PUNCT
ajoaa-483	21	1	in	in	ADP
ajoaa-483	21	2	2008	2008	NUM
ajoaa-483	21	3	,	,	PUNCT
ajoaa-483	21	4	agriculture	agriculture	NOUN
ajoaa-483	21	5	,	,	PUNCT
ajoaa-483	21	6	which	which	PRON
ajoaa-483	21	7	is	be	AUX
ajoaa-483	21	8	a	a	DET
ajoaa-483	21	9	major	major	ADJ
ajoaa-483	21	10	contributor	contributor	NOUN
ajoaa-483	21	11	to	to	ADP
ajoaa-483	21	12	the	the	DET
ajoaa-483	21	13	country	country	NOUN
ajoaa-483	21	14	’s	’s	PART
ajoaa-483	21	15	gross	gross	ADJ
ajoaa-483	21	16	domestic	domestic	ADJ
ajoaa-483	21	17	product	product	NOUN
ajoaa-483	21	18	,	,	PUNCT
ajoaa-483	21	19	was	be	AUX
ajoaa-483	21	20	predominantly	predominantly	ADV
ajoaa-483	21	21	practiced	practice	VERB
ajoaa-483	21	22	by	by	ADP
ajoaa-483	21	23	small	small	ADJ
ajoaa-483	21	24	scale	scale	NOUN
ajoaa-483	21	25	farmers	farmer	NOUN
ajoaa-483	21	26	who	who	PRON
ajoaa-483	21	27	accounted	account	VERB
ajoaa-483	21	28	for	for	ADP
ajoaa-483	21	29	75	75	NUM
ajoaa-483	21	30	percent	percent	NOUN
ajoaa-483	21	31	of	of	ADP
ajoaa-483	21	32	the	the	DET
ajoaa-483	21	33	total	total	ADJ
ajoaa-483	21	34	output	output	NOUN
ajoaa-483	21	35	(	(	PUNCT
ajoaa-483	21	36	agricultural	agricultural	ADJ
ajoaa-483	21	37	finance	finance	NOUN
ajoaa-483	21	38	corporation	corporation	NOUN
ajoaa-483	21	39	,	,	PUNCT
ajoaa-483	21	40	2008	2008	NUM
ajoaa-483	21	41	)	)	PUNCT
ajoaa-483	21	42	.	.	PUNCT
ajoaa-483	22	1	there	there	PRON
ajoaa-483	22	2	are	be	VERB
ajoaa-483	22	3	about	about	ADV
ajoaa-483	22	4	three	three	NUM
ajoaa-483	22	5	million	million	NUM
ajoaa-483	22	6	smallholder	smallholder	NOUN
ajoaa-483	22	7	farms	farm	NOUN
ajoaa-483	22	8	of	of	ADP
ajoaa-483	22	9	which	which	PRON
ajoaa-483	22	10	80	80	NUM
ajoaa-483	22	11	percent	percent	NOUN
ajoaa-483	22	12	are	be	AUX
ajoaa-483	22	13	less	less	ADJ
ajoaa-483	22	14	than	than	ADP
ajoaa-483	22	15	two	two	NUM
ajoaa-483	22	16	hectares	hectare	NOUN
ajoaa-483	22	17	(	(	PUNCT
ajoaa-483	22	18	cbs	cbs	PROPN
ajoaa-483	22	19	,	,	PUNCT
ajoaa-483	22	20	1996	1996	NUM
ajoaa-483	22	21	)	)	PUNCT
ajoaa-483	22	22	.	.	PUNCT
ajoaa-483	23	1	most	most	ADJ
ajoaa-483	23	2	agricultural	agricultural	ADJ
ajoaa-483	23	3	activities	activity	NOUN
ajoaa-483	23	4	in	in	ADP
ajoaa-483	23	5	kenya	kenya	PROPN
ajoaa-483	23	6	are	be	AUX
ajoaa-483	23	7	concentrated	concentrate	VERB
ajoaa-483	23	8	in	in	ADP
ajoaa-483	23	9	the	the	DET
ajoaa-483	23	10	countryside	countryside	NOUN
ajoaa-483	23	11	which	which	PRON
ajoaa-483	23	12	happens	happen	VERB
ajoaa-483	23	13	to	to	PART
ajoaa-483	23	14	be	be	AUX
ajoaa-483	23	15	entirely	entirely	ADV
ajoaa-483	23	16	rural	rural	ADJ
ajoaa-483	23	17	.	.	PUNCT
ajoaa-483	24	1	more	more	ADV
ajoaa-483	24	2	often	often	ADV
ajoaa-483	24	3	than	than	ADP
ajoaa-483	24	4	not	not	PART
ajoaa-483	24	5	,	,	PUNCT
ajoaa-483	24	6	small	small	ADJ
ajoaa-483	24	7	scale	scale	NOUN
ajoaa-483	24	8	agriculture	agriculture	NOUN
ajoaa-483	24	9	is	be	AUX
ajoaa-483	24	10	the	the	DET
ajoaa-483	24	11	source	source	NOUN
ajoaa-483	24	12	of	of	ADP
ajoaa-483	24	13	income	income	NOUN
ajoaa-483	24	14	for	for	ADP
ajoaa-483	24	15	the	the	DET
ajoaa-483	24	16	rural	rural	ADJ
ajoaa-483	24	17	poor	poor	ADJ
ajoaa-483	24	18	.	.	PUNCT
ajoaa-483	25	1	nyandarua	nyandarua	PROPN
ajoaa-483	25	2	district	district	PROPN
ajoaa-483	25	3	,	,	PUNCT
ajoaa-483	25	4	which	which	PRON
ajoaa-483	25	5	happens	happen	VERB
ajoaa-483	25	6	to	to	PART
ajoaa-483	25	7	be	be	AUX
ajoaa-483	25	8	the	the	DET
ajoaa-483	25	9	main	main	ADJ
ajoaa-483	25	10	focus	focus	NOUN
ajoaa-483	25	11	of	of	ADP
ajoaa-483	25	12	the	the	DET
ajoaa-483	25	13	study	study	NOUN
ajoaa-483	25	14	,	,	PUNCT
ajoaa-483	25	15	is	be	AUX
ajoaa-483	25	16	located	locate	VERB
ajoaa-483	25	17	in	in	ADP
ajoaa-483	25	18	the	the	DET
ajoaa-483	25	19	rural	rural	ADJ
ajoaa-483	25	20	set	set	VERB
ajoaa-483	25	21	up	up	ADP
ajoaa-483	25	22	and	and	CCONJ
ajoaa-483	25	23	is	be	AUX
ajoaa-483	25	24	characterized	characterize	VERB
ajoaa-483	25	25	by	by	ADP
ajoaa-483	25	26	many	many	ADJ
ajoaa-483	25	27	smallholder	smallholder	NOUN
ajoaa-483	25	28	farmers	farmer	NOUN
ajoaa-483	25	29	,	,	PUNCT
ajoaa-483	25	30	majority	majority	NOUN
ajoaa-483	25	31	of	of	ADP
ajoaa-483	25	32	whom	whom	PRON
ajoaa-483	25	33	are	be	AUX
ajoaa-483	25	34	poor	poor	ADJ
ajoaa-483	25	35	.	.	PUNCT
ajoaa-483	26	1	the	the	DET
ajoaa-483	26	2	poor	poor	ADJ
ajoaa-483	26	3	in	in	ADP
ajoaa-483	26	4	the	the	DET
ajoaa-483	26	5	rural	rural	ADJ
ajoaa-483	26	6	areas	area	NOUN
ajoaa-483	26	7	,	,	PUNCT
ajoaa-483	26	8	who	who	PRON
ajoaa-483	26	9	are	be	AUX
ajoaa-483	26	10	mostly	mostly	ADV
ajoaa-483	26	11	smallholder	smallholder	NOUN
ajoaa-483	26	12	farmers	farmer	NOUN
ajoaa-483	26	13	,	,	PUNCT
ajoaa-483	26	14	do	do	AUX
ajoaa-483	26	15	require	require	VERB
ajoaa-483	26	16	financial	financial	ADJ
ajoaa-483	26	17	services	service	NOUN
ajoaa-483	26	18	in	in	ADP
ajoaa-483	26	19	terms	term	NOUN
ajoaa-483	26	20	of	of	ADP
ajoaa-483	26	21	rural	rural	ADJ
ajoaa-483	26	22	finance	finance	NOUN
ajoaa-483	26	23	,	,	PUNCT
ajoaa-483	26	24	and	and	CCONJ
ajoaa-483	26	25	more	more	ADV
ajoaa-483	26	26	particularly	particularly	ADV
ajoaa-483	26	27	,	,	PUNCT
ajoaa-483	26	28	agricultural	agricultural	ADJ
ajoaa-483	26	29	finance	finance	NOUN
ajoaa-483	26	30	,	,	PUNCT
ajoaa-483	26	31	which	which	PRON
ajoaa-483	26	32	is	be	AUX
ajoaa-483	26	33	a	a	DET
ajoaa-483	26	34	subset	subset	NOUN
ajoaa-483	26	35	of	of	ADP
ajoaa-483	26	36	rural	rural	ADJ
ajoaa-483	26	37	finance	finance	NOUN
ajoaa-483	26	38	dedicated	dedicate	VERB
ajoaa-483	26	39	to	to	ADP
ajoaa-483	26	40	financing	finance	VERB
ajoaa-483	26	41	agriculture	agriculture	NOUN
ajoaa-483	26	42	related	relate	VERB
ajoaa-483	26	43	activities	activity	NOUN
ajoaa-483	26	44	such	such	ADJ
ajoaa-483	26	45	as	as	ADP
ajoaa-483	26	46	input	input	NOUN
ajoaa-483	26	47	farmers	farmer	NOUN
ajoaa-483	26	48	inaccessibility	inaccessibility	NOUN
ajoaa-483	26	49	to	to	ADP
ajoaa-483	26	50	agricultural	agricultural	ADJ
ajoaa-483	26	51	credit	credit	NOUN
ajoaa-483	26	52	…	…	PUNCT
ajoaa-483	26	53	..	..	PUNCT
ajoaa-483	26	54	65	65	NUM
ajoaa-483	26	55	supply	supply	NOUN
ajoaa-483	26	56	,	,	PUNCT
ajoaa-483	26	57	production	production	NOUN
ajoaa-483	26	58	,	,	PUNCT
ajoaa-483	26	59	distribution	distribution	NOUN
ajoaa-483	26	60	,	,	PUNCT
ajoaa-483	26	61	wholesaling	wholesaling	NOUN
ajoaa-483	26	62	and	and	CCONJ
ajoaa-483	26	63	marketing	marketing	NOUN
ajoaa-483	26	64	(	(	PUNCT
ajoaa-483	26	65	hossain	hossain	PROPN
ajoaa-483	26	66	,	,	PUNCT
ajoaa-483	26	67	1988	1988	NUM
ajoaa-483	26	68	)	)	PUNCT
ajoaa-483	26	69	.	.	PUNCT
ajoaa-483	27	1	the	the	DET
ajoaa-483	27	2	providers	provider	NOUN
ajoaa-483	27	3	of	of	ADP
ajoaa-483	27	4	financial	financial	ADJ
ajoaa-483	27	5	services	service	NOUN
ajoaa-483	27	6	are	be	AUX
ajoaa-483	27	7	present	present	ADJ
ajoaa-483	27	8	.	.	PUNCT
ajoaa-483	28	1	the	the	DET
ajoaa-483	28	2	challenge	challenge	NOUN
ajoaa-483	28	3	thus	thus	ADV
ajoaa-483	28	4	lies	lie	VERB
ajoaa-483	28	5	in	in	ADP
ajoaa-483	28	6	the	the	DET
ajoaa-483	28	7	factors	factor	NOUN
ajoaa-483	28	8	that	that	PRON
ajoaa-483	28	9	inhibit	inhibit	VERB
ajoaa-483	28	10	the	the	DET
ajoaa-483	28	11	farmers	farmer	NOUN
ajoaa-483	28	12	from	from	ADP
ajoaa-483	28	13	accessing	access	VERB
ajoaa-483	28	14	financial	financial	ADJ
ajoaa-483	28	15	services	service	NOUN
ajoaa-483	28	16	which	which	PRON
ajoaa-483	28	17	forms	form	VERB
ajoaa-483	28	18	the	the	DET
ajoaa-483	28	19	basis	basis	NOUN
ajoaa-483	28	20	of	of	ADP
ajoaa-483	28	21	this	this	DET
ajoaa-483	28	22	study	study	NOUN
ajoaa-483	28	23	.	.	PUNCT
ajoaa-483	29	1	planners	planner	NOUN
ajoaa-483	29	2	and	and	CCONJ
ajoaa-483	29	3	researchers	researcher	NOUN
ajoaa-483	29	4	must	must	AUX
ajoaa-483	29	5	focus	focus	VERB
ajoaa-483	29	6	on	on	ADP
ajoaa-483	29	7	the	the	DET
ajoaa-483	29	8	constraints	constraint	NOUN
ajoaa-483	29	9	that	that	PRON
ajoaa-483	29	10	inhibit	inhibit	VERB
ajoaa-483	29	11	smallholder	smallholder	NOUN
ajoaa-483	29	12	farmers	farmer	NOUN
ajoaa-483	29	13	from	from	ADP
ajoaa-483	29	14	accessing	access	VERB
ajoaa-483	29	15	financial	financial	ADJ
ajoaa-483	29	16	services	service	NOUN
ajoaa-483	29	17	if	if	SCONJ
ajoaa-483	29	18	the	the	DET
ajoaa-483	29	19	objectives	objective	NOUN
ajoaa-483	29	20	of	of	ADP
ajoaa-483	29	21	attaining	attain	VERB
ajoaa-483	29	22	industrialization	industrialization	NOUN
ajoaa-483	29	23	and	and	CCONJ
ajoaa-483	29	24	decent	decent	ADJ
ajoaa-483	29	25	living	living	NOUN
ajoaa-483	29	26	standards	standard	NOUN
ajoaa-483	29	27	for	for	ADP
ajoaa-483	29	28	all	all	DET
ajoaa-483	29	29	citizens	citizen	NOUN
ajoaa-483	29	30	by	by	ADP
ajoaa-483	29	31	the	the	DET
ajoaa-483	29	32	year	year	NOUN
ajoaa-483	29	33	2020	2020	NUM
ajoaa-483	29	34	and	and	CCONJ
ajoaa-483	29	35	the	the	DET
ajoaa-483	29	36	millennium	millennium	NOUN
ajoaa-483	29	37	development	development	NOUN
ajoaa-483	29	38	goal	goal	NOUN
ajoaa-483	29	39	of	of	ADP
ajoaa-483	29	40	poverty	poverty	NOUN
ajoaa-483	29	41	reduction	reduction	NOUN
ajoaa-483	29	42	are	be	AUX
ajoaa-483	29	43	to	to	PART
ajoaa-483	29	44	be	be	AUX
ajoaa-483	29	45	achieved	achieve	VERB
ajoaa-483	29	46	.	.	PUNCT
ajoaa-483	30	1	therefore	therefore	ADV
ajoaa-483	30	2	,	,	PUNCT
ajoaa-483	30	3	objective	objective	NOUN
ajoaa-483	30	4	of	of	ADP
ajoaa-483	30	5	the	the	DET
ajoaa-483	30	6	study	study	NOUN
ajoaa-483	30	7	was	be	AUX
ajoaa-483	30	8	to	to	PART
ajoaa-483	30	9	establish	establish	VERB
ajoaa-483	30	10	the	the	DET
ajoaa-483	30	11	major	major	ADJ
ajoaa-483	30	12	constraints	constraint	NOUN
ajoaa-483	30	13	to	to	ADP
ajoaa-483	30	14	accessing	access	VERB
ajoaa-483	30	15	credit	credit	NOUN
ajoaa-483	30	16	among	among	ADP
ajoaa-483	30	17	smallholder	smallholder	NOUN
ajoaa-483	30	18	farmers	farmer	NOUN
ajoaa-483	30	19	in	in	ADP
ajoaa-483	30	20	nyandarua	nyandarua	PROPN
ajoaa-483	30	21	district	district	NOUN
ajoaa-483	30	22	and	and	CCONJ
ajoaa-483	30	23	formulate	formulate	VERB
ajoaa-483	30	24	policy	policy	NOUN
ajoaa-483	30	25	recommendations	recommendation	NOUN
ajoaa-483	30	26	aimed	aim	VERB
ajoaa-483	30	27	at	at	ADP
ajoaa-483	30	28	promoting	promote	VERB
ajoaa-483	30	29	farmers	farmer	NOUN
ajoaa-483	30	30	’	'	PUNCT
ajoaa-483	30	31	access	access	NOUN
ajoaa-483	30	32	to	to	ADP
ajoaa-483	30	33	credit	credit	NOUN
ajoaa-483	30	34	.	.	PUNCT
ajoaa-483	31	1	materials	material	NOUN
ajoaa-483	31	2	and	and	CCONJ
ajoaa-483	31	3	methods	method	NOUN
ajoaa-483	31	4	to	to	PART
ajoaa-483	31	5	meet	meet	VERB
ajoaa-483	31	6	the	the	DET
ajoaa-483	31	7	objectives	objective	NOUN
ajoaa-483	31	8	of	of	ADP
ajoaa-483	31	9	this	this	DET
ajoaa-483	31	10	study	study	NOUN
ajoaa-483	31	11	,	,	PUNCT
ajoaa-483	31	12	logit	logit	PROPN
ajoaa-483	31	13	model	model	NOUN
ajoaa-483	31	14	was	be	AUX
ajoaa-483	31	15	fitted	fit	VERB
ajoaa-483	31	16	on	on	ADP
ajoaa-483	31	17	household	household	NOUN
ajoaa-483	31	18	data	datum	NOUN
ajoaa-483	31	19	.	.	PUNCT
ajoaa-483	32	1	the	the	DET
ajoaa-483	32	2	major	major	ADJ
ajoaa-483	32	3	focus	focus	NOUN
ajoaa-483	32	4	of	of	ADP
ajoaa-483	32	5	the	the	DET
ajoaa-483	32	6	study	study	NOUN
ajoaa-483	32	7	was	be	AUX
ajoaa-483	32	8	the	the	DET
ajoaa-483	32	9	likelihood	likelihood	NOUN
ajoaa-483	32	10	or	or	CCONJ
ajoaa-483	32	11	probability	probability	NOUN
ajoaa-483	32	12	of	of	ADP
ajoaa-483	32	13	the	the	DET
ajoaa-483	32	14	outcome	outcome	NOUN
ajoaa-483	32	15	,	,	PUNCT
ajoaa-483	32	16	that	that	ADV
ajoaa-483	32	17	is	is	ADV
ajoaa-483	32	18	,	,	PUNCT
ajoaa-483	32	19	whether	whether	SCONJ
ajoaa-483	32	20	the	the	DET
ajoaa-483	32	21	respondent	respondent	NOUN
ajoaa-483	32	22	has	have	VERB
ajoaa-483	32	23	access	access	NOUN
ajoaa-483	32	24	to	to	ADP
ajoaa-483	32	25	credit	credit	NOUN
ajoaa-483	32	26	or	or	CCONJ
ajoaa-483	32	27	not	not	PART
ajoaa-483	32	28	.	.	PUNCT
ajoaa-483	33	1	the	the	DET
ajoaa-483	33	2	binary	binary	ADJ
ajoaa-483	33	3	response	response	NOUN
ajoaa-483	33	4	in	in	ADP
ajoaa-483	33	5	this	this	DET
ajoaa-483	33	6	study	study	NOUN
ajoaa-483	33	7	was	be	AUX
ajoaa-483	33	8	whether	whether	SCONJ
ajoaa-483	33	9	the	the	DET
ajoaa-483	33	10	respondent	respondent	NOUN
ajoaa-483	33	11	had	have	VERB
ajoaa-483	33	12	access	access	NOUN
ajoaa-483	33	13	to	to	ADP
ajoaa-483	33	14	credit	credit	NOUN
ajoaa-483	33	15	from	from	ADP
ajoaa-483	33	16	financial	financial	ADJ
ajoaa-483	33	17	institutions	institution	NOUN
ajoaa-483	33	18	(	(	PUNCT
ajoaa-483	33	19	“	"	PUNCT
ajoaa-483	33	20	success	success	NOUN
ajoaa-483	33	21	”	"	PUNCT
ajoaa-483	33	22	)	)	PUNCT
ajoaa-483	33	23	or	or	CCONJ
ajoaa-483	33	24	had	have	VERB
ajoaa-483	33	25	no	no	DET
ajoaa-483	33	26	access	access	NOUN
ajoaa-483	33	27	to	to	ADP
ajoaa-483	33	28	credit	credit	NOUN
ajoaa-483	33	29	from	from	ADP
ajoaa-483	33	30	financial	financial	ADJ
ajoaa-483	33	31	institutions	institution	NOUN
ajoaa-483	33	32	(	(	PUNCT
ajoaa-483	33	33	“	"	PUNCT
ajoaa-483	33	34	failure	failure	NOUN
ajoaa-483	33	35	”	"	PUNCT
ajoaa-483	33	36	)	)	PUNCT
ajoaa-483	33	37	.	.	PUNCT
ajoaa-483	34	1	if	if	SCONJ
ajoaa-483	34	2	y	y	PROPN
ajoaa-483	34	3	is	be	AUX
ajoaa-483	34	4	the	the	DET
ajoaa-483	34	5	random	random	ADJ
ajoaa-483	34	6	variable	variable	NOUN
ajoaa-483	34	7	(	(	PUNCT
ajoaa-483	34	8	dichotomous	dichotomous	ADJ
ajoaa-483	34	9	)	)	PUNCT
ajoaa-483	34	10	,	,	PUNCT
ajoaa-483	34	11	it	it	PRON
ajoaa-483	34	12	is	be	AUX
ajoaa-483	34	13	then	then	ADV
ajoaa-483	34	14	assumed	assume	VERB
ajoaa-483	34	15	that	that	SCONJ
ajoaa-483	34	16	yi	yi	PROPN
ajoaa-483	34	17	takes	take	VERB
ajoaa-483	34	18	on	on	ADP
ajoaa-483	34	19	the	the	DET
ajoaa-483	34	20	values	value	NOUN
ajoaa-483	34	21	0	0	NUM
ajoaa-483	34	22	or	or	CCONJ
ajoaa-483	34	23	1	1	NUM
ajoaa-483	34	24	,	,	PUNCT
ajoaa-483	34	25	where	where	SCONJ
ajoaa-483	34	26	0	0	NUM
ajoaa-483	34	27	denotes	denote	VERB
ajoaa-483	34	28	non	non	NOUN
ajoaa-483	34	29	-	-	NOUN
ajoaa-483	34	30	occurrence	occurrence	NOUN
ajoaa-483	34	31	of	of	ADP
ajoaa-483	34	32	the	the	DET
ajoaa-483	34	33	event	event	NOUN
ajoaa-483	34	34	in	in	ADP
ajoaa-483	34	35	question	question	NOUN
ajoaa-483	34	36	and	and	CCONJ
ajoaa-483	34	37	1	1	NUM
ajoaa-483	34	38	denotes	denote	NOUN
ajoaa-483	34	39	occurrence	occurrence	NOUN
ajoaa-483	34	40	of	of	ADP
ajoaa-483	34	41	the	the	DET
ajoaa-483	34	42	event	event	NOUN
ajoaa-483	34	43	in	in	ADP
ajoaa-483	34	44	question	question	NOUN
ajoaa-483	34	45	(	(	PUNCT
ajoaa-483	34	46	maddala	maddala	NOUN
ajoaa-483	34	47	,	,	PUNCT
ajoaa-483	34	48	1983	1983	NUM
ajoaa-483	34	49	)	)	PUNCT
ajoaa-483	34	50	.	.	PUNCT
ajoaa-483	35	1	if	if	SCONJ
ajoaa-483	35	2	x1	x1	PROPN
ajoaa-483	35	3	-------------------xp	-------------------xp	NOUN
ajoaa-483	35	4	,	,	PUNCT
ajoaa-483	35	5	are	be	AUX
ajoaa-483	35	6	the	the	DET
ajoaa-483	35	7	characteristics	characteristic	NOUN
ajoaa-483	35	8	to	to	PART
ajoaa-483	35	9	be	be	AUX
ajoaa-483	35	10	related	relate	VERB
ajoaa-483	35	11	to	to	ADP
ajoaa-483	35	12	occurrence	occurrence	NOUN
ajoaa-483	35	13	of	of	ADP
ajoaa-483	35	14	this	this	DET
ajoaa-483	35	15	outcome	outcome	NOUN
ajoaa-483	35	16	,	,	PUNCT
ajoaa-483	35	17	then	then	ADV
ajoaa-483	35	18	the	the	DET
ajoaa-483	35	19	logistic	logistic	ADJ
ajoaa-483	35	20	model	model	NOUN
ajoaa-483	35	21	specifies	specifie	NOUN
ajoaa-483	35	22	that	that	PRON
ajoaa-483	35	23	the	the	DET
ajoaa-483	35	24	conditional	conditional	ADJ
ajoaa-483	35	25	probability	probability	NOUN
ajoaa-483	35	26	of	of	ADP
ajoaa-483	35	27	event	event	NOUN
ajoaa-483	35	28	(	(	PUNCT
ajoaa-483	35	29	that	that	PRON
ajoaa-483	35	30	is	is	ADV
ajoaa-483	35	31	,	,	PUNCT
ajoaa-483	35	32	that	that	SCONJ
ajoaa-483	35	33	y	y	NOUN
ajoaa-483	35	34	=	=	NOUN
ajoaa-483	35	35	1	1	X
ajoaa-483	35	36	)	)	PUNCT
ajoaa-483	35	37	given	give	VERB
ajoaa-483	35	38	the	the	DET
ajoaa-483	35	39	values	value	NOUN
ajoaa-483	35	40	of	of	ADP
ajoaa-483	35	41	x1	x1	PROPN
ajoaa-483	35	42	-------------------xp	-------------------xp	NOUN
ajoaa-483	35	43	,	,	PUNCT
ajoaa-483	35	44	is	be	AUX
ajoaa-483	35	45	as	as	SCONJ
ajoaa-483	35	46	follows	follow	VERB
ajoaa-483	35	47	.	.	PUNCT
ajoaa-483	36	1	𝑝	𝑝	X
ajoaa-483	36	2	𝑌	𝑌	PROPN
ajoaa-483	36	3	=	=	SYM
ajoaa-483	36	4	1/[1	1/[1	NUM
ajoaa-483	37	1	+	+	CCONJ
ajoaa-483	37	2	(	(	PUNCT
ajoaa-483	37	3	𝑎	𝑎	X
ajoaa-483	37	4	+	+	X
ajoaa-483	37	5	exp−	exp−	PROPN
ajoaa-483	37	6	𝑎	𝑎	ADJ
ajoaa-483	37	7	−	−	NOUN
ajoaa-483	37	8	𝛽𝑖	𝛽𝑖	NOUN
ajoaa-483	37	9	𝑥𝑖	𝑥𝑖	X
ajoaa-483	37	10	]	]	PUNCT
ajoaa-483	37	11	in	in	ADP
ajoaa-483	37	12	order	order	NOUN
ajoaa-483	37	13	to	to	PART
ajoaa-483	37	14	linearize	linearize	VERB
ajoaa-483	37	15	the	the	DET
ajoaa-483	37	16	right	right	ADJ
ajoaa-483	37	17	hand	hand	NOUN
ajoaa-483	37	18	side	side	NOUN
ajoaa-483	37	19	,	,	PUNCT
ajoaa-483	37	20	a	a	DET
ajoaa-483	37	21	logit	logit	NOUN
ajoaa-483	37	22	transformation	transformation	NOUN
ajoaa-483	37	23	is	be	AUX
ajoaa-483	37	24	applied	apply	VERB
ajoaa-483	37	25	by	by	ADP
ajoaa-483	37	26	taking	take	VERB
ajoaa-483	37	27	logarithm	logarithm	NOUN
ajoaa-483	37	28	of	of	ADP
ajoaa-483	37	29	both	both	DET
ajoaa-483	37	30	sides	side	NOUN
ajoaa-483	37	31	.	.	PUNCT
ajoaa-483	38	1	the	the	DET
ajoaa-483	38	2	logarithmic	logarithmic	ADJ
ajoaa-483	38	3	transformation	transformation	NOUN
ajoaa-483	38	4	stabilizes	stabilize	VERB
ajoaa-483	38	5	the	the	DET
ajoaa-483	38	6	variance	variance	NOUN
ajoaa-483	38	7	if	if	SCONJ
ajoaa-483	38	8	the	the	DET
ajoaa-483	38	9	standard	standard	ADJ
ajoaa-483	38	10	deviation	deviation	NOUN
ajoaa-483	38	11	in	in	ADP
ajoaa-483	38	12	the	the	DET
ajoaa-483	38	13	original	original	ADJ
ajoaa-483	38	14	scales	scale	NOUN
ajoaa-483	38	15	varies	vary	VERB
ajoaa-483	38	16	directly	directly	ADV
ajoaa-483	38	17	as	as	ADP
ajoaa-483	38	18	the	the	DET
ajoaa-483	38	19	mean	mean	NOUN
ajoaa-483	38	20	.	.	PUNCT
ajoaa-483	39	1	this	this	PRON
ajoaa-483	39	2	results	result	VERB
ajoaa-483	39	3	into	into	ADP
ajoaa-483	39	4	:	:	PUNCT
ajoaa-483	39	5	𝐿𝑜𝑔𝑡𝑡𝑝	𝐿𝑜𝑔𝑡𝑡𝑝	PROPN
ajoaa-483	39	6	𝑌	𝑌	PROPN
ajoaa-483	39	7	=	=	PUNCT
ajoaa-483	40	1	𝑎	𝑎	PROPN
ajoaa-483	40	2	+	+	NUM
ajoaa-483	40	3	∑𝛽𝑗	∑𝛽𝑗	X
ajoaa-483	40	4	𝑥𝑖	𝑥𝑖	PROPN
ajoaa-483	41	1	+	+	CCONJ
ajoaa-483	41	2	𝑢𝑖	𝑢𝑖	INTJ
ajoaa-483	41	3	where	where	SCONJ
ajoaa-483	41	4	:	:	PUNCT
ajoaa-483	41	5	yi	yi	NOUN
ajoaa-483	41	6	=	=	NOUN
ajoaa-483	41	7	1	1	NUM
ajoaa-483	41	8	if	if	SCONJ
ajoaa-483	41	9	success	success	NOUN
ajoaa-483	41	10	(	(	PUNCT
ajoaa-483	41	11	respondent	respondent	NOUN
ajoaa-483	41	12	has	have	VERB
ajoaa-483	41	13	access	access	NOUN
ajoaa-483	41	14	to	to	ADP
ajoaa-483	41	15	credit	credit	NOUN
ajoaa-483	41	16	)	)	PUNCT
ajoaa-483	41	17	,	,	PUNCT
ajoaa-483	41	18	0	0	NUM
ajoaa-483	42	1	if	if	SCONJ
ajoaa-483	42	2	failure	failure	NOUN
ajoaa-483	42	3	(	(	PUNCT
ajoaa-483	42	4	respondent	respondent	NOUN
ajoaa-483	42	5	has	have	VERB
ajoaa-483	42	6	no	no	DET
ajoaa-483	42	7	access	access	NOUN
ajoaa-483	42	8	to	to	ADP
ajoaa-483	42	9	credit	credit	NOUN
ajoaa-483	42	10	)	)	PUNCT
ajoaa-483	42	11	,	,	PUNCT
ajoaa-483	42	12	α	α	NOUN
ajoaa-483	42	13	=	=	PUNCT
ajoaa-483	42	14	constant	constant	ADJ
ajoaa-483	42	15	term	term	NOUN
ajoaa-483	42	16	,	,	PUNCT
ajoaa-483	42	17	𝛽𝑗𝑠	𝛽𝑗𝑠	NOUN
ajoaa-483	42	18	=	=	SYM
ajoaa-483	42	19	logistic	logistic	ADJ
ajoaa-483	42	20	coefficients	coefficient	NOUN
ajoaa-483	42	21	for	for	ADP
ajoaa-483	42	22	the	the	DET
ajoaa-483	42	23	independent	independent	ADJ
ajoaa-483	42	24	variables	variable	NOUN
ajoaa-483	42	25	,	,	PUNCT
ajoaa-483	42	26	𝑢𝑖	𝑢𝑖	PRON
ajoaa-483	42	27	=	=	NOUN
ajoaa-483	42	28	error	error	NOUN
ajoaa-483	42	29	term	term	NOUN
ajoaa-483	42	30	,	,	PUNCT
ajoaa-483	42	31	𝑥𝑗𝑠	𝑥𝑗𝑠	NOUN
ajoaa-483	42	32	=	=	SYM
ajoaa-483	42	33	independent	independent	ADJ
ajoaa-483	42	34	variables	variable	NOUN
ajoaa-483	42	35	such	such	ADJ
ajoaa-483	42	36	that	that	SCONJ
ajoaa-483	42	37	:	:	PUNCT
ajoaa-483	42	38	x2	x2	X
ajoaa-483	42	39	=	=	PUNCT
ajoaa-483	42	40	age	age	NOUN
ajoaa-483	42	41	of	of	ADP
ajoaa-483	42	42	the	the	DET
ajoaa-483	42	43	respondent	respondent	NOUN
ajoaa-483	42	44	in	in	ADP
ajoaa-483	42	45	years	year	NOUN
ajoaa-483	42	46	–	–	PUNCT
ajoaa-483	42	47	categorical	categorical	ADJ
ajoaa-483	42	48	variable	variable	NOUN
ajoaa-483	42	49	,	,	PUNCT
ajoaa-483	42	50	𝑥2=	𝑥2=	ADJ
ajoaa-483	42	51	gender	gender	NOUN
ajoaa-483	42	52	of	of	ADP
ajoaa-483	42	53	the	the	DET
ajoaa-483	42	54	respondent	respondent	NOUN
ajoaa-483	42	55	–	–	PUNCT
ajoaa-483	42	56	binary	binary	ADJ
ajoaa-483	42	57	variable	variable	NOUN
ajoaa-483	42	58	,	,	PUNCT
ajoaa-483	42	59	𝑥8	𝑥8	NOUN
ajoaa-483	42	60	=	=	SYM
ajoaa-483	42	61	marital	marital	ADJ
ajoaa-483	42	62	status	status	NOUN
ajoaa-483	42	63	–	–	PUNCT
ajoaa-483	42	64	categorical	categorical	ADJ
ajoaa-483	42	65	variable	variable	NOUN
ajoaa-483	42	66	,	,	PUNCT
ajoaa-483	42	67	𝑥4=	𝑥4=	ADJ
ajoaa-483	42	68	household	household	NOUN
ajoaa-483	42	69	size	size	NOUN
ajoaa-483	42	70	:	:	PUNCT
ajoaa-483	42	71	number	number	NOUN
ajoaa-483	42	72	of	of	ADP
ajoaa-483	42	73	persons	person	NOUN
ajoaa-483	42	74	in	in	ADP
ajoaa-483	42	75	the	the	DET
ajoaa-483	42	76	household	household	NOUN
ajoaa-483	42	77	of	of	ADP
ajoaa-483	42	78	the	the	DET
ajoaa-483	42	79	respondent	respondent	NOUN
ajoaa-483	42	80	–	–	PUNCT
ajoaa-483	42	81	continuous	continuous	ADJ
ajoaa-483	42	82	variable	variable	NOUN
ajoaa-483	42	83	,	,	PUNCT
ajoaa-483	42	84	𝑥6=	𝑥6=	NOUN
ajoaa-483	42	85	size	size	NOUN
ajoaa-483	42	86	of	of	ADP
ajoaa-483	42	87	arable	arable	ADJ
ajoaa-483	42	88	land	land	NOUN
ajoaa-483	42	89	in	in	ADP
ajoaa-483	42	90	acres	acre	NOUN
ajoaa-483	42	91	–	–	PUNCT
ajoaa-483	42	92	continuous	continuous	ADJ
ajoaa-483	42	93	variable	variable	NOUN
ajoaa-483	42	94	,	,	PUNCT
ajoaa-483	42	95	𝑥6	𝑥6	NOUN
ajoaa-483	42	96	=	=	SYM
ajoaa-483	42	97	land	land	NOUN
ajoaa-483	42	98	tenure	tenure	NOUN
ajoaa-483	42	99	system	system	NOUN
ajoaa-483	42	100	–	–	PUNCT
ajoaa-483	42	101	categorical	categorical	ADJ
ajoaa-483	42	102	variable	variable	NOUN
ajoaa-483	42	103	,	,	PUNCT
ajoaa-483	42	104	𝑥7	𝑥7	NOUN
ajoaa-483	42	105	=	=	NOUN
ajoaa-483	42	106	main	main	ADJ
ajoaa-483	42	107	occupational	occupational	ADJ
ajoaa-483	42	108	activity	activity	NOUN
ajoaa-483	42	109	of	of	ADP
ajoaa-483	42	110	the	the	DET
ajoaa-483	42	111	respondent	respondent	NOUN
ajoaa-483	42	112	–	–	PUNCT
ajoaa-483	42	113	categorical	categorical	ADJ
ajoaa-483	42	114	variable	variable	NOUN
ajoaa-483	42	115	,	,	PUNCT
ajoaa-483	42	116	𝑥8=	𝑥8=	ADJ
ajoaa-483	42	117	farm	farm	NOUN
ajoaa-483	42	118	income	income	NOUN
ajoaa-483	42	119	–	–	PUNCT
ajoaa-483	42	120	continuous	continuous	ADJ
ajoaa-483	42	121	variable	variable	NOUN
ajoaa-483	42	122	,	,	PUNCT
ajoaa-483	42	123	𝑥9	𝑥9	NOUN
ajoaa-483	42	124	=	=	NOUN
ajoaa-483	42	125	perception	perception	NOUN
ajoaa-483	42	126	of	of	ADP
ajoaa-483	42	127	respondents	respondent	NOUN
ajoaa-483	42	128	regarding	regard	VERB
ajoaa-483	42	129	cost	cost	NOUN
ajoaa-483	42	130	of	of	ADP
ajoaa-483	42	131	credit	credit	NOUN
ajoaa-483	42	132	–	–	PUNCT
ajoaa-483	42	133	categorical	categorical	ADJ
ajoaa-483	42	134	variable	variable	NOUN
ajoaa-483	42	135	.	.	PUNCT
ajoaa-483	43	1	𝑥10	𝑥10	NUM
ajoaa-483	43	2	=	=	NOUN
ajoaa-483	43	3	collateral	collateral	NOUN
ajoaa-483	43	4	.	.	PUNCT
ajoaa-483	44	1	binary	binary	NOUN
ajoaa-483	44	2	:	:	PUNCT
ajoaa-483	44	3	1	1	NUM
ajoaa-483	44	4	if	if	SCONJ
ajoaa-483	44	5	respondent	respondent	NOUN
ajoaa-483	44	6	owns	own	VERB
ajoaa-483	44	7	a	a	DET
ajoaa-483	44	8	title	title	NOUN
ajoaa-483	44	9	deed	deed	NOUN
ajoaa-483	44	10	/	/	SYM
ajoaa-483	44	11	registered	register	VERB
ajoaa-483	44	12	lease	lease	NOUN
ajoaa-483	44	13	certificate	certificate	NOUN
ajoaa-483	44	14	and	and	CCONJ
ajoaa-483	44	15	0	0	NUM
ajoaa-483	44	16	otherwise	otherwise	ADV
ajoaa-483	44	17	.	.	PUNCT
ajoaa-483	45	1	𝑥11	𝑥11	ADV
ajoaa-483	45	2	=	=	PUNCT
ajoaa-483	45	3	awareness	awareness	NOUN
ajoaa-483	45	4	of	of	ADP
ajoaa-483	45	5	the	the	DET
ajoaa-483	45	6	existence	existence	NOUN
ajoaa-483	45	7	of	of	ADP
ajoaa-483	45	8	credit	credit	NOUN
ajoaa-483	45	9	by	by	ADP
ajoaa-483	45	10	respondent	respondent	NOUN
ajoaa-483	45	11	.	.	PUNCT
ajoaa-483	46	1	binary	binary	NOUN
ajoaa-483	46	2	:	:	PUNCT
ajoaa-483	46	3	1	1	NUM
ajoaa-483	46	4	if	if	SCONJ
ajoaa-483	46	5	respondent	respondent	NOUN
ajoaa-483	46	6	is	be	AUX
ajoaa-483	46	7	aware	aware	ADJ
ajoaa-483	46	8	and	and	CCONJ
ajoaa-483	46	9	0	0	NUM
ajoaa-483	46	10	otherwise	otherwise	ADV
ajoaa-483	46	11	.	.	PUNCT
ajoaa-483	47	1	𝑥12=	𝑥12=	ADJ
ajoaa-483	47	2	level	level	NOUN
ajoaa-483	47	3	of	of	ADP
ajoaa-483	47	4	education	education	NOUN
ajoaa-483	47	5	of	of	ADP
ajoaa-483	47	6	the	the	DET
ajoaa-483	47	7	respondent	respondent	NOUN
ajoaa-483	47	8	–	–	PUNCT
ajoaa-483	47	9	categorical	categorical	ADJ
ajoaa-483	47	10	variable	variable	NOUN
ajoaa-483	47	11	.	.	PUNCT
ajoaa-483	48	1	using	use	VERB
ajoaa-483	48	2	stratified	stratified	ADJ
ajoaa-483	48	3	sampling	sampling	NOUN
ajoaa-483	48	4	,	,	PUNCT
ajoaa-483	48	5	with	with	ADP
ajoaa-483	48	6	access	access	NOUN
ajoaa-483	48	7	or	or	CCONJ
ajoaa-483	48	8	no	no	DET
ajoaa-483	48	9	access	access	NOUN
ajoaa-483	48	10	to	to	ADP
ajoaa-483	48	11	credit	credit	NOUN
ajoaa-483	48	12	as	as	ADP
ajoaa-483	48	13	the	the	DET
ajoaa-483	48	14	criterion	criterion	NOUN
ajoaa-483	48	15	for	for	ADP
ajoaa-483	48	16	stratification	stratification	NOUN
ajoaa-483	48	17	,	,	PUNCT
ajoaa-483	48	18	the	the	DET
ajoaa-483	48	19	population	population	NOUN
ajoaa-483	48	20	was	be	AUX
ajoaa-483	48	21	divided	divide	VERB
ajoaa-483	48	22	into	into	ADP
ajoaa-483	48	23	two	two	NUM
ajoaa-483	48	24	strata	strata	NOUN
ajoaa-483	48	25	of	of	ADP
ajoaa-483	48	26	those	those	PRON
ajoaa-483	48	27	who	who	PRON
ajoaa-483	48	28	had	have	AUX
ajoaa-483	48	29	accessed	access	VERB
ajoaa-483	48	30	credit	credit	NOUN
ajoaa-483	48	31	and	and	CCONJ
ajoaa-483	48	32	those	those	PRON
ajoaa-483	48	33	who	who	PRON
ajoaa-483	48	34	had	have	AUX
ajoaa-483	48	35	not	not	PART
ajoaa-483	48	36	accessed	access	VERB
ajoaa-483	48	37	credit	credit	NOUN
ajoaa-483	48	38	.	.	PUNCT
ajoaa-483	49	1	after	after	ADP
ajoaa-483	49	2	identifying	identify	VERB
ajoaa-483	49	3	the	the	DET
ajoaa-483	49	4	strata	strata	ADJ
ajoaa-483	49	5	,	,	PUNCT
ajoaa-483	49	6	multi	multi	ADJ
ajoaa-483	49	7	-	-	ADJ
ajoaa-483	49	8	stage	stage	NOUN
ajoaa-483	49	9	sampling	sample	VERB
ajoaa-483	49	10	for	for	ADP
ajoaa-483	49	11	both	both	DET
ajoaa-483	49	12	strata	strata	NOUN
ajoaa-483	49	13	was	be	AUX
ajoaa-483	49	14	done	do	VERB
ajoaa-483	49	15	to	to	PART
ajoaa-483	49	16	identify	identify	VERB
ajoaa-483	49	17	the	the	DET
ajoaa-483	49	18	groups	group	NOUN
ajoaa-483	49	19	of	of	ADP
ajoaa-483	49	20	smallholder	smallholder	NOUN
ajoaa-483	49	21	farmers	farmer	NOUN
ajoaa-483	49	22	who	who	PRON
ajoaa-483	49	23	would	would	AUX
ajoaa-483	49	24	be	be	AUX
ajoaa-483	49	25	considered	consider	VERB
ajoaa-483	49	26	in	in	ADP
ajoaa-483	49	27	the	the	DET
ajoaa-483	49	28	sample	sample	NOUN
ajoaa-483	49	29	.	.	PUNCT
ajoaa-483	50	1	the	the	DET
ajoaa-483	50	2	six	six	NUM
ajoaa-483	50	3	divisions	division	NOUN
ajoaa-483	50	4	of	of	ADP
ajoaa-483	50	5	the	the	DET
ajoaa-483	50	6	district	district	NOUN
ajoaa-483	50	7	were	be	AUX
ajoaa-483	50	8	selected	select	VERB
ajoaa-483	50	9	as	as	ADP
ajoaa-483	50	10	the	the	DET
ajoaa-483	50	11	primary	primary	ADJ
ajoaa-483	50	12	units	unit	NOUN
ajoaa-483	50	13	and	and	CCONJ
ajoaa-483	50	14	then	then	ADV
ajoaa-483	50	15	locations	location	NOUN
ajoaa-483	50	16	were	be	AUX
ajoaa-483	50	17	randomly	randomly	ADV
ajoaa-483	50	18	selected	select	VERB
ajoaa-483	50	19	to	to	PART
ajoaa-483	50	20	form	form	VERB
ajoaa-483	50	21	secondary	secondary	ADJ
ajoaa-483	50	22	units	unit	NOUN
ajoaa-483	50	23	from	from	ADP
ajoaa-483	50	24	where	where	SCONJ
ajoaa-483	50	25	the	the	DET
ajoaa-483	50	26	sample	sample	NOUN
ajoaa-483	50	27	would	would	AUX
ajoaa-483	50	28	be	be	AUX
ajoaa-483	50	29	picked	pick	VERB
ajoaa-483	50	30	.	.	PUNCT
ajoaa-483	51	1	proportionate	proportionate	ADJ
ajoaa-483	51	2	simple	simple	ADJ
ajoaa-483	51	3	random	random	ADJ
ajoaa-483	51	4	sampling	sampling	NOUN
ajoaa-483	51	5	was	be	AUX
ajoaa-483	51	6	then	then	ADV
ajoaa-483	51	7	done	do	VERB
ajoaa-483	51	8	at	at	ADP
ajoaa-483	51	9	the	the	DET
ajoaa-483	51	10	location	location	NOUN
ajoaa-483	51	11	level	level	NOUN
ajoaa-483	51	12	to	to	PART
ajoaa-483	51	13	select	select	VERB
ajoaa-483	51	14	a	a	DET
ajoaa-483	51	15	sample	sample	NOUN
ajoaa-483	51	16	size	size	NOUN
ajoaa-483	51	17	of	of	ADP
ajoaa-483	51	18	164	164	NUM
ajoaa-483	51	19	smallholder	smallholder	NOUN
ajoaa-483	51	20	farmers	farmer	NOUN
ajoaa-483	51	21	from	from	ADP
ajoaa-483	51	22	the	the	DET
ajoaa-483	51	23	secondary	secondary	ADJ
ajoaa-483	51	24	units	unit	NOUN
ajoaa-483	51	25	selected	select	VERB
ajoaa-483	51	26	under	under	ADP
ajoaa-483	51	27	multi	multi	ADJ
ajoaa-483	51	28	-	-	ADJ
ajoaa-483	51	29	stage	stage	NOUN
ajoaa-483	51	30	sampling	sampling	NOUN
ajoaa-483	51	31	.	.	PUNCT
ajoaa-483	52	1	the	the	DET
ajoaa-483	52	2	study	study	NOUN
ajoaa-483	52	3	used	use	VERB
ajoaa-483	52	4	both	both	CCONJ
ajoaa-483	52	5	primary	primary	ADJ
ajoaa-483	52	6	and	and	CCONJ
ajoaa-483	52	7	secondary	secondary	ADJ
ajoaa-483	52	8	data	datum	NOUN
ajoaa-483	52	9	.	.	PUNCT
ajoaa-483	53	1	both	both	DET
ajoaa-483	53	2	quantitative	quantitative	ADJ
ajoaa-483	53	3	and	and	CCONJ
ajoaa-483	53	4	qualitative	qualitative	ADJ
ajoaa-483	53	5	data	datum	NOUN
ajoaa-483	53	6	was	be	AUX
ajoaa-483	53	7	collected	collect	VERB
ajoaa-483	53	8	.	.	PUNCT
ajoaa-483	54	1	primary	primary	ADJ
ajoaa-483	54	2	data	datum	NOUN
ajoaa-483	54	3	was	be	AUX
ajoaa-483	54	4	sourced	source	VERB
ajoaa-483	54	5	through	through	ADP
ajoaa-483	54	6	asian	asian	ADJ
ajoaa-483	54	7	journal	journal	PROPN
ajoaa-483	54	8	of	of	ADP
ajoaa-483	54	9	agriculture	agriculture	NOUN
ajoaa-483	54	10	and	and	CCONJ
ajoaa-483	54	11	rural	rural	ADJ
ajoaa-483	54	12	development	development	NOUN
ajoaa-483	54	13	,	,	PUNCT
ajoaa-483	54	14	1(2)2011	1(2)2011	NUM
ajoaa-483	54	15	:	:	PUNCT
ajoaa-483	54	16	64	64	NUM
ajoaa-483	54	17	-	-	SYM
ajoaa-483	54	18	68	68	NUM
ajoaa-483	54	19	66	66	NUM
ajoaa-483	54	20	survey	survey	NOUN
ajoaa-483	54	21	.	.	PUNCT
ajoaa-483	55	1	secondary	secondary	ADJ
ajoaa-483	55	2	data	datum	NOUN
ajoaa-483	55	3	was	be	AUX
ajoaa-483	55	4	obtained	obtain	VERB
ajoaa-483	55	5	from	from	ADP
ajoaa-483	55	6	journals	journal	NOUN
ajoaa-483	55	7	,	,	PUNCT
ajoaa-483	55	8	magazines	magazine	NOUN
ajoaa-483	55	9	,	,	PUNCT
ajoaa-483	55	10	nyandarua	nyandarua	PROPN
ajoaa-483	55	11	district	district	NOUN
ajoaa-483	55	12	annual	annual	ADJ
ajoaa-483	55	13	reports	report	NOUN
ajoaa-483	55	14	and	and	CCONJ
ajoaa-483	55	15	any	any	DET
ajoaa-483	55	16	other	other	ADJ
ajoaa-483	55	17	secondary	secondary	ADJ
ajoaa-483	55	18	data	datum	NOUN
ajoaa-483	55	19	source	source	NOUN
ajoaa-483	55	20	that	that	PRON
ajoaa-483	55	21	was	be	AUX
ajoaa-483	55	22	deemed	deem	VERB
ajoaa-483	55	23	necessary	necessary	ADJ
ajoaa-483	55	24	for	for	ADP
ajoaa-483	55	25	the	the	DET
ajoaa-483	55	26	study	study	NOUN
ajoaa-483	55	27	.	.	PUNCT
ajoaa-483	56	1	results	result	NOUN
ajoaa-483	56	2	and	and	CCONJ
ajoaa-483	56	3	discussion	discussion	NOUN
ajoaa-483	56	4	a	a	DET
ajoaa-483	56	5	logit	logit	NOUN
ajoaa-483	56	6	model	model	NOUN
ajoaa-483	56	7	was	be	AUX
ajoaa-483	56	8	used	use	VERB
ajoaa-483	56	9	to	to	PART
ajoaa-483	56	10	assess	assess	VERB
ajoaa-483	56	11	the	the	DET
ajoaa-483	56	12	factors	factor	NOUN
ajoaa-483	56	13	that	that	PRON
ajoaa-483	56	14	influenced	influence	VERB
ajoaa-483	56	15	credit	credit	NOUN
ajoaa-483	56	16	accessibility	accessibility	NOUN
ajoaa-483	56	17	among	among	ADP
ajoaa-483	56	18	smallholder	smallholder	NOUN
ajoaa-483	56	19	farmers	farmer	NOUN
ajoaa-483	56	20	in	in	ADP
ajoaa-483	56	21	nyandarua	nyandarua	PROPN
ajoaa-483	56	22	district	district	NOUN
ajoaa-483	56	23	.	.	PUNCT
ajoaa-483	57	1	statistics	statistic	NOUN
ajoaa-483	57	2	for	for	ADP
ajoaa-483	57	3	variables	variable	NOUN
ajoaa-483	57	4	incorporated	incorporate	VERB
ajoaa-483	57	5	in	in	ADP
ajoaa-483	57	6	the	the	DET
ajoaa-483	57	7	model	model	NOUN
ajoaa-483	57	8	are	be	AUX
ajoaa-483	57	9	shown	show	VERB
ajoaa-483	57	10	in	in	ADP
ajoaa-483	57	11	table	table	NOUN
ajoaa-483	57	12	1	1	NUM
ajoaa-483	57	13	below	below	ADV
ajoaa-483	57	14	.	.	PUNCT
ajoaa-483	58	1	there	there	PRON
ajoaa-483	58	2	was	be	VERB
ajoaa-483	58	3	a	a	DET
ajoaa-483	58	4	positive	positive	ADJ
ajoaa-483	58	5	and	and	CCONJ
ajoaa-483	58	6	significant	significant	ADJ
ajoaa-483	58	7	relationship	relationship	NOUN
ajoaa-483	58	8	between	between	ADP
ajoaa-483	58	9	credit	credit	NOUN
ajoaa-483	58	10	access	access	NOUN
ajoaa-483	58	11	and	and	CCONJ
ajoaa-483	58	12	the	the	DET
ajoaa-483	58	13	age	age	NOUN
ajoaa-483	58	14	of	of	ADP
ajoaa-483	58	15	respondent	respondent	NOUN
ajoaa-483	58	16	.	.	PUNCT
ajoaa-483	59	1	age	age	NOUN
ajoaa-483	59	2	was	be	AUX
ajoaa-483	59	3	significant	significant	ADJ
ajoaa-483	59	4	at	at	ADP
ajoaa-483	59	5	5	5	NUM
ajoaa-483	59	6	percent	percent	NOUN
ajoaa-483	59	7	.	.	PUNCT
ajoaa-483	60	1	a	a	DET
ajoaa-483	60	2	unit	unit	NOUN
ajoaa-483	60	3	rise	rise	NOUN
ajoaa-483	60	4	in	in	ADP
ajoaa-483	60	5	age	age	NOUN
ajoaa-483	60	6	led	lead	VERB
ajoaa-483	60	7	to	to	ADP
ajoaa-483	60	8	an	an	DET
ajoaa-483	60	9	increase	increase	NOUN
ajoaa-483	60	10	of	of	ADP
ajoaa-483	60	11	log	log	NOUN
ajoaa-483	60	12	-	-	PUNCT
ajoaa-483	60	13	of	of	ADP
ajoaa-483	60	14	-	-	PUNCT
ajoaa-483	60	15	odds	odd	NOUN
ajoaa-483	60	16	in	in	ADP
ajoaa-483	60	17	favour	favour	NOUN
ajoaa-483	60	18	of	of	ADP
ajoaa-483	60	19	credit	credit	NOUN
ajoaa-483	60	20	access	access	NOUN
ajoaa-483	60	21	by	by	ADP
ajoaa-483	60	22	9.766	9.766	NUM
ajoaa-483	60	23	.	.	PUNCT
ajoaa-483	61	1	the	the	DET
ajoaa-483	61	2	positive	positive	ADJ
ajoaa-483	61	3	relationship	relationship	NOUN
ajoaa-483	61	4	implies	imply	VERB
ajoaa-483	61	5	that	that	SCONJ
ajoaa-483	61	6	the	the	DET
ajoaa-483	61	7	older	old	ADJ
ajoaa-483	61	8	people	people	NOUN
ajoaa-483	61	9	were	be	AUX
ajoaa-483	61	10	more	more	ADV
ajoaa-483	61	11	likely	likely	ADJ
ajoaa-483	61	12	to	to	PART
ajoaa-483	61	13	access	access	VERB
ajoaa-483	61	14	credit	credit	NOUN
ajoaa-483	61	15	from	from	ADP
ajoaa-483	61	16	financial	financial	ADJ
ajoaa-483	61	17	institutions	institution	NOUN
ajoaa-483	61	18	than	than	ADP
ajoaa-483	61	19	the	the	DET
ajoaa-483	61	20	younger	young	ADJ
ajoaa-483	61	21	people	people	NOUN
ajoaa-483	61	22	.	.	PUNCT
ajoaa-483	62	1	that	that	PRON
ajoaa-483	62	2	was	be	AUX
ajoaa-483	62	3	expected	expect	VERB
ajoaa-483	62	4	because	because	SCONJ
ajoaa-483	62	5	,	,	PUNCT
ajoaa-483	62	6	though	though	SCONJ
ajoaa-483	62	7	the	the	DET
ajoaa-483	62	8	younger	young	ADJ
ajoaa-483	62	9	people	people	NOUN
ajoaa-483	62	10	were	be	AUX
ajoaa-483	62	11	found	find	VERB
ajoaa-483	62	12	to	to	PART
ajoaa-483	62	13	be	be	AUX
ajoaa-483	62	14	more	more	ADV
ajoaa-483	62	15	engaged	engaged	ADJ
ajoaa-483	62	16	in	in	ADP
ajoaa-483	62	17	agriculture	agriculture	NOUN
ajoaa-483	62	18	followed	follow	VERB
ajoaa-483	62	19	by	by	ADP
ajoaa-483	62	20	the	the	DET
ajoaa-483	62	21	older	old	ADJ
ajoaa-483	62	22	people	people	NOUN
ajoaa-483	62	23	in	in	ADP
ajoaa-483	62	24	the	the	DET
ajoaa-483	62	25	district	district	NOUN
ajoaa-483	62	26	,	,	PUNCT
ajoaa-483	62	27	the	the	DET
ajoaa-483	62	28	younger	young	ADJ
ajoaa-483	62	29	people	people	NOUN
ajoaa-483	62	30	were	be	AUX
ajoaa-483	62	31	more	more	ADV
ajoaa-483	62	32	risky	risky	ADJ
ajoaa-483	62	33	compared	compare	VERB
ajoaa-483	62	34	to	to	ADP
ajoaa-483	62	35	the	the	DET
ajoaa-483	62	36	older	old	ADJ
ajoaa-483	62	37	people	people	NOUN
ajoaa-483	62	38	since	since	SCONJ
ajoaa-483	62	39	the	the	DET
ajoaa-483	62	40	older	old	ADJ
ajoaa-483	62	41	people	people	NOUN
ajoaa-483	62	42	owned	own	VERB
ajoaa-483	62	43	most	most	ADJ
ajoaa-483	62	44	productive	productive	ADJ
ajoaa-483	62	45	assets	asset	NOUN
ajoaa-483	62	46	and	and	CCONJ
ajoaa-483	62	47	hence	hence	ADV
ajoaa-483	62	48	had	have	VERB
ajoaa-483	62	49	a	a	DET
ajoaa-483	62	50	better	well	ADJ
ajoaa-483	62	51	asset	asset	NOUN
ajoaa-483	62	52	base	base	NOUN
ajoaa-483	62	53	as	as	SCONJ
ajoaa-483	62	54	they	they	PRON
ajoaa-483	62	55	accumulate	accumulate	VERB
ajoaa-483	62	56	assets	asset	NOUN
ajoaa-483	62	57	with	with	ADP
ajoaa-483	62	58	age	age	NOUN
ajoaa-483	62	59	.	.	PUNCT
ajoaa-483	63	1	therefore	therefore	ADV
ajoaa-483	63	2	,	,	PUNCT
ajoaa-483	63	3	financial	financial	ADJ
ajoaa-483	63	4	institutions	institution	NOUN
ajoaa-483	63	5	would	would	AUX
ajoaa-483	63	6	prefer	prefer	VERB
ajoaa-483	63	7	to	to	PART
ajoaa-483	63	8	lend	lend	VERB
ajoaa-483	63	9	the	the	DET
ajoaa-483	63	10	older	old	ADJ
ajoaa-483	63	11	generation	generation	NOUN
ajoaa-483	63	12	than	than	ADP
ajoaa-483	63	13	the	the	DET
ajoaa-483	63	14	younger	young	ADJ
ajoaa-483	63	15	ones	one	NOUN
ajoaa-483	63	16	.	.	PUNCT
ajoaa-483	64	1	that	that	PRON
ajoaa-483	64	2	was	be	AUX
ajoaa-483	64	3	confirmed	confirm	VERB
ajoaa-483	64	4	by	by	ADP
ajoaa-483	64	5	most	most	ADJ
ajoaa-483	64	6	of	of	ADP
ajoaa-483	64	7	the	the	DET
ajoaa-483	64	8	younger	young	ADJ
ajoaa-483	64	9	respondents	respondent	NOUN
ajoaa-483	64	10	who	who	PRON
ajoaa-483	64	11	cited	cite	VERB
ajoaa-483	64	12	age	age	NOUN
ajoaa-483	64	13	as	as	ADP
ajoaa-483	64	14	working	work	VERB
ajoaa-483	64	15	against	against	ADP
ajoaa-483	64	16	them	they	PRON
ajoaa-483	64	17	in	in	ADV
ajoaa-483	64	18	as	as	ADV
ajoaa-483	64	19	far	far	ADV
ajoaa-483	64	20	as	as	SCONJ
ajoaa-483	64	21	credit	credit	NOUN
ajoaa-483	64	22	accessibility	accessibility	NOUN
ajoaa-483	64	23	was	be	AUX
ajoaa-483	64	24	concerned	concern	VERB
ajoaa-483	64	25	.	.	PUNCT
ajoaa-483	65	1	they	they	PRON
ajoaa-483	65	2	were	be	AUX
ajoaa-483	65	3	of	of	ADP
ajoaa-483	65	4	the	the	DET
ajoaa-483	65	5	opinion	opinion	NOUN
ajoaa-483	65	6	that	that	SCONJ
ajoaa-483	65	7	financial	financial	ADJ
ajoaa-483	65	8	institutions	institution	NOUN
ajoaa-483	65	9	overlooked	overlook	VERB
ajoaa-483	65	10	them	they	PRON
ajoaa-483	65	11	claiming	claim	VERB
ajoaa-483	65	12	that	that	SCONJ
ajoaa-483	65	13	they	they	PRON
ajoaa-483	65	14	(	(	PUNCT
ajoaa-483	65	15	the	the	DET
ajoaa-483	65	16	younger	young	ADJ
ajoaa-483	65	17	people	people	NOUN
ajoaa-483	65	18	)	)	PUNCT
ajoaa-483	65	19	were	be	AUX
ajoaa-483	65	20	not	not	PART
ajoaa-483	65	21	credit	credit	NOUN
ajoaa-483	65	22	worthy	worthy	ADJ
ajoaa-483	65	23	.	.	PUNCT
ajoaa-483	66	1	moreover	moreover	ADV
ajoaa-483	66	2	,	,	PUNCT
ajoaa-483	66	3	the	the	DET
ajoaa-483	66	4	younger	young	ADJ
ajoaa-483	66	5	people	people	NOUN
ajoaa-483	66	6	farmed	farm	VERB
ajoaa-483	66	7	on	on	ADP
ajoaa-483	66	8	small	small	ADJ
ajoaa-483	66	9	parcels	parcel	NOUN
ajoaa-483	66	10	of	of	ADP
ajoaa-483	66	11	land	land	NOUN
ajoaa-483	66	12	either	either	CCONJ
ajoaa-483	66	13	subdivided	subdivide	VERB
ajoaa-483	66	14	to	to	ADP
ajoaa-483	66	15	them	they	PRON
ajoaa-483	66	16	or	or	CCONJ
ajoaa-483	66	17	bequeathed	bequeath	VERB
ajoaa-483	66	18	to	to	ADP
ajoaa-483	66	19	them	they	PRON
ajoaa-483	66	20	by	by	ADP
ajoaa-483	66	21	their	their	PRON
ajoaa-483	66	22	parents	parent	NOUN
ajoaa-483	66	23	and	and	CCONJ
ajoaa-483	66	24	that	that	SCONJ
ajoaa-483	66	25	still	still	ADV
ajoaa-483	66	26	limited	limit	VERB
ajoaa-483	66	27	their	their	PRON
ajoaa-483	66	28	chances	chance	NOUN
ajoaa-483	66	29	of	of	ADP
ajoaa-483	66	30	accessing	access	VERB
ajoaa-483	66	31	credit	credit	NOUN
ajoaa-483	66	32	due	due	ADP
ajoaa-483	66	33	to	to	ADP
ajoaa-483	66	34	lack	lack	NOUN
ajoaa-483	66	35	of	of	ADP
ajoaa-483	66	36	proof	proof	NOUN
ajoaa-483	66	37	of	of	ADP
ajoaa-483	66	38	ownership	ownership	NOUN
ajoaa-483	66	39	.	.	PUNCT
ajoaa-483	67	1	since	since	SCONJ
ajoaa-483	67	2	most	most	ADJ
ajoaa-483	67	3	agricultural	agricultural	ADJ
ajoaa-483	67	4	activities	activity	NOUN
ajoaa-483	67	5	are	be	AUX
ajoaa-483	67	6	carried	carry	VERB
ajoaa-483	67	7	out	out	ADP
ajoaa-483	67	8	by	by	ADP
ajoaa-483	67	9	youthful	youthful	ADJ
ajoaa-483	67	10	people	people	NOUN
ajoaa-483	67	11	,	,	PUNCT
ajoaa-483	67	12	it	it	PRON
ajoaa-483	67	13	would	would	AUX
ajoaa-483	67	14	be	be	AUX
ajoaa-483	67	15	necessary	necessary	ADJ
ajoaa-483	67	16	to	to	PART
ajoaa-483	67	17	ensure	ensure	VERB
ajoaa-483	67	18	that	that	SCONJ
ajoaa-483	67	19	age	age	NOUN
ajoaa-483	67	20	does	do	AUX
ajoaa-483	67	21	not	not	PART
ajoaa-483	67	22	hinder	hinder	VERB
ajoaa-483	67	23	them	they	PRON
ajoaa-483	67	24	from	from	ADP
ajoaa-483	67	25	accessing	access	VERB
ajoaa-483	67	26	credit	credit	NOUN
ajoaa-483	67	27	.	.	PUNCT
ajoaa-483	68	1	it	it	PRON
ajoaa-483	68	2	would	would	AUX
ajoaa-483	68	3	thus	thus	ADV
ajoaa-483	68	4	be	be	AUX
ajoaa-483	68	5	necessary	necessary	ADJ
ajoaa-483	68	6	to	to	PART
ajoaa-483	68	7	encourage	encourage	VERB
ajoaa-483	68	8	the	the	DET
ajoaa-483	68	9	youth	youth	NOUN
ajoaa-483	68	10	to	to	PART
ajoaa-483	68	11	acquire	acquire	VERB
ajoaa-483	68	12	property	property	NOUN
ajoaa-483	68	13	to	to	PART
ajoaa-483	68	14	boost	boost	VERB
ajoaa-483	68	15	their	their	PRON
ajoaa-483	68	16	asset	asset	NOUN
ajoaa-483	68	17	base	base	NOUN
ajoaa-483	68	18	and	and	CCONJ
ajoaa-483	68	19	at	at	ADP
ajoaa-483	68	20	the	the	DET
ajoaa-483	68	21	same	same	ADJ
ajoaa-483	68	22	time	time	NOUN
ajoaa-483	68	23	ensure	ensure	VERB
ajoaa-483	68	24	that	that	SCONJ
ajoaa-483	68	25	they	they	PRON
ajoaa-483	68	26	seek	seek	VERB
ajoaa-483	68	27	ownership	ownership	NOUN
ajoaa-483	68	28	for	for	ADP
ajoaa-483	68	29	the	the	DET
ajoaa-483	68	30	same	same	ADJ
ajoaa-483	68	31	to	to	PART
ajoaa-483	68	32	serve	serve	VERB
ajoaa-483	68	33	as	as	ADP
ajoaa-483	68	34	security	security	NOUN
ajoaa-483	68	35	.	.	PUNCT
ajoaa-483	69	1	in	in	ADP
ajoaa-483	69	2	this	this	DET
ajoaa-483	69	3	regard	regard	NOUN
ajoaa-483	69	4	,	,	PUNCT
ajoaa-483	69	5	they	they	PRON
ajoaa-483	69	6	should	should	AUX
ajoaa-483	69	7	ensure	ensure	VERB
ajoaa-483	69	8	that	that	SCONJ
ajoaa-483	69	9	ownership	ownership	NOUN
ajoaa-483	69	10	of	of	ADP
ajoaa-483	69	11	land	land	NOUN
ajoaa-483	69	12	subdivided	subdivide	VERB
ajoaa-483	69	13	or	or	CCONJ
ajoaa-483	69	14	bequeathed	bequeath	VERB
ajoaa-483	69	15	to	to	ADP
ajoaa-483	69	16	them	they	PRON
ajoaa-483	69	17	is	be	AUX
ajoaa-483	69	18	transferred	transfer	VERB
ajoaa-483	69	19	to	to	ADP
ajoaa-483	69	20	them	they	PRON
ajoaa-483	69	21	and	and	CCONJ
ajoaa-483	69	22	documented	document	VERB
ajoaa-483	69	23	appropriately	appropriately	ADV
ajoaa-483	69	24	.	.	PUNCT
ajoaa-483	70	1	gender	gender	NOUN
ajoaa-483	70	2	was	be	AUX
ajoaa-483	70	3	also	also	ADV
ajoaa-483	70	4	significant	significant	ADJ
ajoaa-483	70	5	at	at	ADP
ajoaa-483	70	6	1	1	NUM
ajoaa-483	70	7	percent	percent	NOUN
ajoaa-483	70	8	and	and	CCONJ
ajoaa-483	70	9	negative	negative	ADJ
ajoaa-483	70	10	.	.	PUNCT
ajoaa-483	71	1	the	the	DET
ajoaa-483	71	2	results	result	NOUN
ajoaa-483	71	3	indicated	indicate	VERB
ajoaa-483	71	4	that	that	SCONJ
ajoaa-483	71	5	an	an	DET
ajoaa-483	71	6	increase	increase	NOUN
ajoaa-483	71	7	in	in	ADP
ajoaa-483	71	8	the	the	DET
ajoaa-483	71	9	number	number	NOUN
ajoaa-483	71	10	of	of	ADP
ajoaa-483	71	11	female	female	ADJ
ajoaa-483	71	12	smallholder	smallholder	NOUN
ajoaa-483	71	13	farmers	farmer	NOUN
ajoaa-483	71	14	into	into	ADP
ajoaa-483	71	15	the	the	DET
ajoaa-483	71	16	sample	sample	NOUN
ajoaa-483	71	17	was	be	AUX
ajoaa-483	71	18	found	find	VERB
ajoaa-483	71	19	to	to	PART
ajoaa-483	71	20	decrease	decrease	VERB
ajoaa-483	71	21	log	log	VERB
ajoaa-483	71	22	-	-	PUNCT
ajoaa-483	71	23	of	of	ADP
ajoaa-483	71	24	-	-	PUNCT
ajoaa-483	71	25	odds	odd	NOUN
ajoaa-483	71	26	in	in	ADP
ajoaa-483	71	27	favour	favour	NOUN
ajoaa-483	71	28	of	of	ADP
ajoaa-483	71	29	credit	credit	NOUN
ajoaa-483	71	30	access	access	NOUN
ajoaa-483	71	31	by	by	ADP
ajoaa-483	71	32	5.916	5.916	NUM
ajoaa-483	71	33	.	.	PUNCT
ajoaa-483	72	1	that	that	PRON
ajoaa-483	72	2	implies	imply	VERB
ajoaa-483	72	3	that	that	SCONJ
ajoaa-483	72	4	women	woman	NOUN
ajoaa-483	72	5	had	have	VERB
ajoaa-483	72	6	a	a	DET
ajoaa-483	72	7	lower	low	ADJ
ajoaa-483	72	8	access	access	NOUN
ajoaa-483	72	9	to	to	ADP
ajoaa-483	72	10	credit	credit	NOUN
ajoaa-483	72	11	compared	compare	VERB
ajoaa-483	72	12	to	to	ADP
ajoaa-483	72	13	men	man	NOUN
ajoaa-483	72	14	.	.	PUNCT
ajoaa-483	73	1	that	that	PRON
ajoaa-483	73	2	could	could	AUX
ajoaa-483	73	3	be	be	AUX
ajoaa-483	73	4	due	due	ADJ
ajoaa-483	73	5	to	to	ADP
ajoaa-483	73	6	the	the	DET
ajoaa-483	73	7	fact	fact	NOUN
ajoaa-483	73	8	that	that	SCONJ
ajoaa-483	73	9	productive	productive	ADJ
ajoaa-483	73	10	assets	asset	NOUN
ajoaa-483	73	11	in	in	ADP
ajoaa-483	73	12	the	the	DET
ajoaa-483	73	13	rural	rural	ADJ
ajoaa-483	73	14	areas	area	NOUN
ajoaa-483	73	15	are	be	AUX
ajoaa-483	73	16	owned	own	VERB
ajoaa-483	73	17	by	by	ADP
ajoaa-483	73	18	men	man	NOUN
ajoaa-483	73	19	and	and	CCONJ
ajoaa-483	73	20	hence	hence	ADV
ajoaa-483	73	21	financial	financial	ADJ
ajoaa-483	73	22	institutions	institution	NOUN
ajoaa-483	73	23	prefer	prefer	VERB
ajoaa-483	73	24	to	to	PART
ajoaa-483	73	25	disburse	disburse	VERB
ajoaa-483	73	26	credit	credit	NOUN
ajoaa-483	73	27	to	to	ADP
ajoaa-483	73	28	men	man	NOUN
ajoaa-483	73	29	rather	rather	ADV
ajoaa-483	73	30	than	than	ADP
ajoaa-483	73	31	women	woman	NOUN
ajoaa-483	73	32	since	since	SCONJ
ajoaa-483	73	33	women	woman	NOUN
ajoaa-483	73	34	are	be	AUX
ajoaa-483	73	35	deemed	deem	VERB
ajoaa-483	73	36	to	to	PART
ajoaa-483	73	37	be	be	AUX
ajoaa-483	73	38	more	more	ADV
ajoaa-483	73	39	risky	risky	ADJ
ajoaa-483	73	40	.	.	PUNCT
ajoaa-483	74	1	therefore	therefore	ADV
ajoaa-483	74	2	,	,	PUNCT
ajoaa-483	74	3	resource	resource	NOUN
ajoaa-483	74	4	access	access	NOUN
ajoaa-483	74	5	imbalances	imbalance	NOUN
ajoaa-483	74	6	in	in	ADP
ajoaa-483	74	7	favour	favour	NOUN
ajoaa-483	74	8	of	of	ADP
ajoaa-483	74	9	men	man	NOUN
ajoaa-483	74	10	deny	deny	VERB
ajoaa-483	74	11	women	woman	NOUN
ajoaa-483	74	12	opportunities	opportunity	NOUN
ajoaa-483	74	13	for	for	ADP
ajoaa-483	74	14	credit	credit	NOUN
ajoaa-483	74	15	.	.	PUNCT
ajoaa-483	75	1	there	there	PRON
ajoaa-483	75	2	is	be	VERB
ajoaa-483	75	3	need	need	NOUN
ajoaa-483	75	4	to	to	PART
ajoaa-483	75	5	empower	empower	VERB
ajoaa-483	75	6	women	woman	NOUN
ajoaa-483	75	7	by	by	ADP
ajoaa-483	75	8	extending	extend	VERB
ajoaa-483	75	9	credit	credit	NOUN
ajoaa-483	75	10	to	to	ADP
ajoaa-483	75	11	them	they	PRON
ajoaa-483	75	12	so	so	SCONJ
ajoaa-483	75	13	as	as	SCONJ
ajoaa-483	75	14	to	to	PART
ajoaa-483	75	15	accelerate	accelerate	VERB
ajoaa-483	75	16	production	production	NOUN
ajoaa-483	75	17	in	in	ADP
ajoaa-483	75	18	agricultural	agricultural	ADJ
ajoaa-483	75	19	and	and	CCONJ
ajoaa-483	75	20	micro	micro	NOUN
ajoaa-483	75	21	-	-	NOUN
ajoaa-483	75	22	enterprise	enterprise	ADJ
ajoaa-483	75	23	sectors	sector	NOUN
ajoaa-483	75	24	that	that	PRON
ajoaa-483	75	25	are	be	AUX
ajoaa-483	75	26	run	run	VERB
ajoaa-483	75	27	by	by	ADP
ajoaa-483	75	28	women	woman	NOUN
ajoaa-483	75	29	and	and	CCONJ
ajoaa-483	75	30	to	to	PART
ajoaa-483	75	31	also	also	ADV
ajoaa-483	75	32	improve	improve	VERB
ajoaa-483	75	33	livelihoods	livelihood	NOUN
ajoaa-483	75	34	.	.	PUNCT
ajoaa-483	76	1	this	this	PRON
ajoaa-483	76	2	could	could	AUX
ajoaa-483	76	3	be	be	AUX
ajoaa-483	76	4	achieved	achieve	VERB
ajoaa-483	76	5	by	by	ADP
ajoaa-483	76	6	way	way	NOUN
ajoaa-483	76	7	of	of	ADP
ajoaa-483	76	8	encouraging	encourage	VERB
ajoaa-483	76	9	women	woman	NOUN
ajoaa-483	76	10	to	to	PART
ajoaa-483	76	11	form	form	VERB
ajoaa-483	76	12	their	their	PRON
ajoaa-483	76	13	own	own	ADJ
ajoaa-483	76	14	credit	credit	NOUN
ajoaa-483	76	15	and	and	CCONJ
ajoaa-483	76	16	saving	save	VERB
ajoaa-483	76	17	groups	group	NOUN
ajoaa-483	76	18	and	and	CCONJ
ajoaa-483	76	19	take	take	VERB
ajoaa-483	76	20	viable	viable	ADJ
ajoaa-483	76	21	economic	economic	ADJ
ajoaa-483	76	22	forms	form	NOUN
ajoaa-483	76	23	of	of	ADP
ajoaa-483	76	24	income	income	NOUN
ajoaa-483	76	25	generation	generation	NOUN
ajoaa-483	76	26	so	so	SCONJ
ajoaa-483	76	27	as	as	SCONJ
ajoaa-483	76	28	to	to	PART
ajoaa-483	76	29	attract	attract	VERB
ajoaa-483	76	30	lenders	lender	NOUN
ajoaa-483	76	31	.	.	PUNCT
ajoaa-483	77	1	they	they	PRON
ajoaa-483	77	2	should	should	AUX
ajoaa-483	77	3	also	also	ADV
ajoaa-483	77	4	endeavour	endeavour	VERB
ajoaa-483	77	5	to	to	PART
ajoaa-483	77	6	own	own	VERB
ajoaa-483	77	7	property	property	NOUN
ajoaa-483	77	8	to	to	PART
ajoaa-483	77	9	make	make	VERB
ajoaa-483	77	10	themselves	themselves	PRON
ajoaa-483	77	11	more	more	ADV
ajoaa-483	77	12	competitive	competitive	ADJ
ajoaa-483	77	13	as	as	ADP
ajoaa-483	77	14	credit	credit	NOUN
ajoaa-483	77	15	seekers	seeker	NOUN
ajoaa-483	77	16	.	.	PUNCT
ajoaa-483	78	1	the	the	DET
ajoaa-483	78	2	total	total	ADJ
ajoaa-483	78	3	size	size	NOUN
ajoaa-483	78	4	of	of	ADP
ajoaa-483	78	5	households	household	NOUN
ajoaa-483	78	6	was	be	AUX
ajoaa-483	78	7	found	find	VERB
ajoaa-483	78	8	to	to	PART
ajoaa-483	78	9	influence	influence	VERB
ajoaa-483	78	10	access	access	NOUN
ajoaa-483	78	11	to	to	ADP
ajoaa-483	78	12	credit	credit	NOUN
ajoaa-483	78	13	by	by	ADP
ajoaa-483	78	14	smallholder	smallholder	NOUN
ajoaa-483	78	15	farmers	farmer	NOUN
ajoaa-483	78	16	in	in	ADP
ajoaa-483	78	17	nyandarua	nyandarua	PROPN
ajoaa-483	78	18	district	district	NOUN
ajoaa-483	78	19	.	.	PUNCT
ajoaa-483	79	1	household	household	NOUN
ajoaa-483	79	2	size	size	NOUN
ajoaa-483	79	3	was	be	AUX
ajoaa-483	79	4	found	find	VERB
ajoaa-483	79	5	to	to	PART
ajoaa-483	79	6	be	be	AUX
ajoaa-483	79	7	significant	significant	ADJ
ajoaa-483	79	8	at	at	ADP
ajoaa-483	79	9	5	5	NUM
ajoaa-483	79	10	percent	percent	NOUN
ajoaa-483	79	11	and	and	CCONJ
ajoaa-483	79	12	negative	negative	ADJ
ajoaa-483	79	13	.	.	PUNCT
ajoaa-483	80	1	a	a	DET
ajoaa-483	80	2	unit	unit	NOUN
ajoaa-483	80	3	increase	increase	NOUN
ajoaa-483	80	4	in	in	ADP
ajoaa-483	80	5	the	the	DET
ajoaa-483	80	6	household	household	NOUN
ajoaa-483	80	7	size	size	NOUN
ajoaa-483	80	8	was	be	AUX
ajoaa-483	80	9	found	find	VERB
ajoaa-483	80	10	to	to	PART
ajoaa-483	80	11	reduce	reduce	VERB
ajoaa-483	80	12	log	log	NOUN
ajoaa-483	80	13	-	-	PUNCT
ajoaa-483	80	14	of	of	ADP
ajoaa-483	80	15	-	-	PUNCT
ajoaa-483	80	16	odds	odd	NOUN
ajoaa-483	80	17	in	in	ADP
ajoaa-483	80	18	favour	favour	NOUN
ajoaa-483	80	19	of	of	ADP
ajoaa-483	80	20	access	access	NOUN
ajoaa-483	80	21	to	to	ADP
ajoaa-483	80	22	credit	credit	NOUN
ajoaa-483	80	23	by	by	ADP
ajoaa-483	80	24	1.915	1.915	NUM
ajoaa-483	80	25	.	.	PUNCT
ajoaa-483	81	1	that	that	PRON
ajoaa-483	81	2	implied	imply	VERB
ajoaa-483	81	3	that	that	SCONJ
ajoaa-483	81	4	those	those	PRON
ajoaa-483	81	5	with	with	ADP
ajoaa-483	81	6	larger	large	ADJ
ajoaa-483	81	7	families	family	NOUN
ajoaa-483	81	8	were	be	AUX
ajoaa-483	81	9	more	more	ADV
ajoaa-483	81	10	likely	likely	ADJ
ajoaa-483	81	11	to	to	PART
ajoaa-483	81	12	face	face	VERB
ajoaa-483	81	13	difficulties	difficulty	NOUN
ajoaa-483	81	14	in	in	ADP
ajoaa-483	81	15	accessing	access	VERB
ajoaa-483	81	16	credit	credit	NOUN
ajoaa-483	81	17	as	as	SCONJ
ajoaa-483	81	18	opposed	oppose	VERB
ajoaa-483	81	19	to	to	ADP
ajoaa-483	81	20	those	those	PRON
ajoaa-483	81	21	with	with	ADP
ajoaa-483	81	22	smaller	small	ADJ
ajoaa-483	81	23	families	family	NOUN
ajoaa-483	81	24	.	.	PUNCT
ajoaa-483	82	1	this	this	PRON
ajoaa-483	82	2	could	could	AUX
ajoaa-483	82	3	be	be	AUX
ajoaa-483	82	4	explained	explain	VERB
ajoaa-483	82	5	by	by	ADP
ajoaa-483	82	6	the	the	DET
ajoaa-483	82	7	fact	fact	NOUN
ajoaa-483	82	8	that	that	SCONJ
ajoaa-483	82	9	the	the	DET
ajoaa-483	82	10	total	total	ADJ
ajoaa-483	82	11	size	size	NOUN
ajoaa-483	82	12	of	of	ADP
ajoaa-483	82	13	a	a	DET
ajoaa-483	82	14	household	household	NOUN
ajoaa-483	82	15	has	have	AUX
ajoaa-483	82	16	financial	financial	ADJ
ajoaa-483	82	17	implications	implication	NOUN
ajoaa-483	82	18	in	in	ADP
ajoaa-483	82	19	that	that	PRON
ajoaa-483	82	20	larger	large	ADJ
ajoaa-483	82	21	families	family	NOUN
ajoaa-483	82	22	consume	consume	VERB
ajoaa-483	82	23	a	a	DET
ajoaa-483	82	24	lot	lot	NOUN
ajoaa-483	82	25	of	of	ADP
ajoaa-483	82	26	finances	finance	NOUN
ajoaa-483	82	27	to	to	PART
ajoaa-483	82	28	smooth	smooth	VERB
ajoaa-483	82	29	out	out	ADP
ajoaa-483	82	30	their	their	PRON
ajoaa-483	82	31	consumption	consumption	NOUN
ajoaa-483	82	32	expenditure	expenditure	NOUN
ajoaa-483	82	33	and	and	CCONJ
ajoaa-483	82	34	hence	hence	ADV
ajoaa-483	82	35	high	high	ADJ
ajoaa-483	82	36	budgets	budget	NOUN
ajoaa-483	82	37	.	.	PUNCT
ajoaa-483	83	1	consequently	consequently	ADV
ajoaa-483	83	2	,	,	PUNCT
ajoaa-483	83	3	many	many	ADJ
ajoaa-483	83	4	financial	financial	ADJ
ajoaa-483	83	5	commitments	commitment	NOUN
ajoaa-483	83	6	are	be	AUX
ajoaa-483	83	7	likely	likely	ADJ
ajoaa-483	83	8	to	to	PART
ajoaa-483	83	9	threaten	threaten	VERB
ajoaa-483	83	10	the	the	DET
ajoaa-483	83	11	credit	credit	NOUN
ajoaa-483	83	12	worthiness	worthiness	NOUN
ajoaa-483	83	13	of	of	ADP
ajoaa-483	83	14	a	a	DET
ajoaa-483	83	15	household	household	NOUN
ajoaa-483	83	16	.	.	PUNCT
ajoaa-483	84	1	with	with	ADP
ajoaa-483	84	2	large	large	ADJ
ajoaa-483	84	3	household	household	NOUN
ajoaa-483	84	4	sizes	size	NOUN
ajoaa-483	84	5	being	be	AUX
ajoaa-483	84	6	a	a	DET
ajoaa-483	84	7	common	common	ADJ
ajoaa-483	84	8	feature	feature	NOUN
ajoaa-483	84	9	among	among	ADP
ajoaa-483	84	10	rural	rural	ADJ
ajoaa-483	84	11	households	household	NOUN
ajoaa-483	84	12	,	,	PUNCT
ajoaa-483	84	13	it	it	PRON
ajoaa-483	84	14	is	be	AUX
ajoaa-483	84	15	necessary	necessary	ADJ
ajoaa-483	84	16	to	to	PART
ajoaa-483	84	17	take	take	VERB
ajoaa-483	84	18	measures	measure	NOUN
ajoaa-483	84	19	to	to	PART
ajoaa-483	84	20	enlighten	enlighten	VERB
ajoaa-483	84	21	them	they	PRON
ajoaa-483	84	22	on	on	ADP
ajoaa-483	84	23	ways	way	NOUN
ajoaa-483	84	24	of	of	ADP
ajoaa-483	84	25	having	have	VERB
ajoaa-483	84	26	manageable	manageable	ADJ
ajoaa-483	84	27	family	family	NOUN
ajoaa-483	84	28	sizes	size	NOUN
ajoaa-483	84	29	that	that	PRON
ajoaa-483	84	30	do	do	AUX
ajoaa-483	84	31	not	not	PART
ajoaa-483	84	32	put	put	VERB
ajoaa-483	84	33	a	a	DET
ajoaa-483	84	34	strain	strain	NOUN
ajoaa-483	84	35	on	on	ADP
ajoaa-483	84	36	their	their	PRON
ajoaa-483	84	37	finances	finance	NOUN
ajoaa-483	84	38	and	and	CCONJ
ajoaa-483	84	39	threaten	threaten	VERB
ajoaa-483	84	40	farmers	farmer	NOUN
ajoaa-483	84	41	inaccessibility	inaccessibility	NOUN
ajoaa-483	84	42	to	to	ADP
ajoaa-483	84	43	agricultural	agricultural	ADJ
ajoaa-483	84	44	credit	credit	NOUN
ajoaa-483	84	45	…	…	PUNCT
ajoaa-483	84	46	..	..	PUNCT
ajoaa-483	84	47	67	67	NUM
ajoaa-483	84	48	their	their	PRON
ajoaa-483	84	49	credit	credit	NOUN
ajoaa-483	84	50	worthiness	worthiness	NOUN
ajoaa-483	84	51	.	.	PUNCT
ajoaa-483	85	1	such	such	ADJ
ajoaa-483	85	2	measures	measure	NOUN
ajoaa-483	85	3	can	can	AUX
ajoaa-483	85	4	be	be	AUX
ajoaa-483	85	5	by	by	ADP
ajoaa-483	85	6	way	way	NOUN
ajoaa-483	85	7	of	of	ADP
ajoaa-483	85	8	having	have	VERB
ajoaa-483	85	9	campaigns	campaign	NOUN
ajoaa-483	85	10	on	on	ADP
ajoaa-483	85	11	effective	effective	ADJ
ajoaa-483	85	12	family	family	NOUN
ajoaa-483	85	13	planning	planning	NOUN
ajoaa-483	85	14	and	and	CCONJ
ajoaa-483	85	15	its	its	PRON
ajoaa-483	85	16	benefits	benefit	NOUN
ajoaa-483	85	17	in	in	ADP
ajoaa-483	85	18	print	print	NOUN
ajoaa-483	85	19	and	and	CCONJ
ajoaa-483	85	20	electronic	electronic	ADJ
ajoaa-483	85	21	media	medium	NOUN
ajoaa-483	85	22	,	,	PUNCT
ajoaa-483	85	23	particularly	particularly	ADV
ajoaa-483	85	24	radio	radio	NOUN
ajoaa-483	85	25	,	,	PUNCT
ajoaa-483	85	26	which	which	PRON
ajoaa-483	85	27	is	be	AUX
ajoaa-483	85	28	a	a	DET
ajoaa-483	85	29	major	major	ADJ
ajoaa-483	85	30	source	source	NOUN
ajoaa-483	85	31	of	of	ADP
ajoaa-483	85	32	information	information	NOUN
ajoaa-483	85	33	for	for	ADP
ajoaa-483	85	34	rural	rural	ADJ
ajoaa-483	85	35	people	people	NOUN
ajoaa-483	85	36	.	.	PUNCT
ajoaa-483	86	1	title	title	NOUN
ajoaa-483	86	2	deed	deed	NOUN
ajoaa-483	86	3	/	/	SYM
ajoaa-483	86	4	registered	register	VERB
ajoaa-483	86	5	lease	lease	NOUN
ajoaa-483	86	6	certificate	certificate	NOUN
ajoaa-483	86	7	ownership	ownership	NOUN
ajoaa-483	86	8	positively	positively	ADV
ajoaa-483	86	9	influenced	influence	VERB
ajoaa-483	86	10	access	access	NOUN
ajoaa-483	86	11	to	to	ADP
ajoaa-483	86	12	credit	credit	NOUN
ajoaa-483	86	13	by	by	ADP
ajoaa-483	86	14	smallholder	smallholder	NOUN
ajoaa-483	86	15	farmers	farmer	NOUN
ajoaa-483	86	16	in	in	ADP
ajoaa-483	86	17	nyandarua	nyandarua	PROPN
ajoaa-483	86	18	district	district	NOUN
ajoaa-483	86	19	.	.	PUNCT
ajoaa-483	87	1	the	the	DET
ajoaa-483	87	2	variable	variable	NOUN
ajoaa-483	87	3	was	be	AUX
ajoaa-483	87	4	significant	significant	ADJ
ajoaa-483	87	5	5	5	NUM
ajoaa-483	87	6	percent	percent	NOUN
ajoaa-483	87	7	implying	imply	VERB
ajoaa-483	87	8	that	that	SCONJ
ajoaa-483	87	9	an	an	DET
ajoaa-483	87	10	increase	increase	NOUN
ajoaa-483	87	11	in	in	ADP
ajoaa-483	87	12	acquisition	acquisition	NOUN
ajoaa-483	87	13	of	of	ADP
ajoaa-483	87	14	title	title	NOUN
ajoaa-483	87	15	deeds	deed	NOUN
ajoaa-483	87	16	/	/	SYM
ajoaa-483	87	17	registered	register	VERB
ajoaa-483	87	18	lease	lease	NOUN
ajoaa-483	87	19	certificates	certificate	NOUN
ajoaa-483	87	20	by	by	ADP
ajoaa-483	87	21	one	one	NUM
ajoaa-483	87	22	unit	unit	NOUN
ajoaa-483	87	23	would	would	AUX
ajoaa-483	87	24	lead	lead	VERB
ajoaa-483	87	25	to	to	ADP
ajoaa-483	87	26	an	an	DET
ajoaa-483	87	27	increase	increase	NOUN
ajoaa-483	87	28	in	in	ADP
ajoaa-483	87	29	log	log	NOUN
ajoaa-483	87	30	-	-	PUNCT
ajoaa-483	87	31	of	of	ADP
ajoaa-483	87	32	-	-	PUNCT
ajoaa-483	87	33	odds	odd	NOUN
ajoaa-483	87	34	in	in	ADP
ajoaa-483	87	35	favour	favour	NOUN
ajoaa-483	87	36	of	of	ADP
ajoaa-483	87	37	credit	credit	NOUN
ajoaa-483	87	38	access	access	NOUN
ajoaa-483	87	39	by	by	ADP
ajoaa-483	87	40	6.073	6.073	NUM
ajoaa-483	87	41	.	.	PUNCT
ajoaa-483	88	1	that	that	PRON
ajoaa-483	88	2	was	be	AUX
ajoaa-483	88	3	expected	expect	VERB
ajoaa-483	88	4	since	since	SCONJ
ajoaa-483	88	5	title	title	NOUN
ajoaa-483	88	6	deeds	deed	NOUN
ajoaa-483	88	7	/	/	SYM
ajoaa-483	88	8	registered	register	VERB
ajoaa-483	88	9	lease	lease	NOUN
ajoaa-483	88	10	certificates	certificate	NOUN
ajoaa-483	88	11	served	serve	VERB
ajoaa-483	88	12	as	as	ADP
ajoaa-483	88	13	security	security	NOUN
ajoaa-483	88	14	/	/	SYM
ajoaa-483	88	15	collateral	collateral	NOUN
ajoaa-483	88	16	for	for	ADP
ajoaa-483	88	17	credit	credit	NOUN
ajoaa-483	88	18	lent	lend	VERB
ajoaa-483	88	19	by	by	ADP
ajoaa-483	88	20	financial	financial	ADJ
ajoaa-483	88	21	institutions	institution	NOUN
ajoaa-483	88	22	.	.	PUNCT
ajoaa-483	89	1	therefore	therefore	ADV
ajoaa-483	89	2	,	,	PUNCT
ajoaa-483	89	3	a	a	DET
ajoaa-483	89	4	farmer	farmer	NOUN
ajoaa-483	89	5	who	who	PRON
ajoaa-483	89	6	possessed	possess	VERB
ajoaa-483	89	7	a	a	DET
ajoaa-483	89	8	title	title	NOUN
ajoaa-483	89	9	deed	deed	NOUN
ajoaa-483	89	10	/	/	SYM
ajoaa-483	89	11	registered	register	VERB
ajoaa-483	89	12	lease	lease	NOUN
ajoaa-483	89	13	certificate	certificate	NOUN
ajoaa-483	89	14	would	would	AUX
ajoaa-483	89	15	have	have	VERB
ajoaa-483	89	16	easier	easy	ADJ
ajoaa-483	89	17	access	access	NOUN
ajoaa-483	89	18	to	to	ADP
ajoaa-483	89	19	credit	credit	NOUN
ajoaa-483	89	20	as	as	SCONJ
ajoaa-483	89	21	opposed	oppose	VERB
ajoaa-483	89	22	to	to	ADP
ajoaa-483	89	23	one	one	NUM
ajoaa-483	89	24	without	without	ADP
ajoaa-483	89	25	.	.	PUNCT
ajoaa-483	89	26	table	table	NOUN
ajoaa-483	89	27	1	1	NUM
ajoaa-483	89	28	:	:	PUNCT
ajoaa-483	89	29	logit	logit	PROPN
ajoaa-483	89	30	model	model	PROPN
ajoaa-483	89	31	regression	regression	NOUN
ajoaa-483	89	32	results	result	VERB
ajoaa-483	89	33	variable	variable	ADJ
ajoaa-483	89	34	coefficient	coefficient	NOUN
ajoaa-483	89	35	standard	standard	ADJ
ajoaa-483	89	36	error	error	NOUN
ajoaa-483	89	37	wald	wald	NOUN
ajoaa-483	89	38	statistic	statistic	NOUN
ajoaa-483	89	39	age	age	NOUN
ajoaa-483	89	40	9.766	9.766	NUM
ajoaa-483	89	41	*	*	NOUN
ajoaa-483	89	42	3.443	3.443	NUM
ajoaa-483	89	43	8.045	8.045	NUM
ajoaa-483	89	44	gender	gender	NOUN
ajoaa-483	89	45	-5.916	-5.916	PUNCT
ajoaa-483	90	1	*	*	PUNCT
ajoaa-483	90	2	*	*	PUNCT
ajoaa-483	90	3	3.481	3.481	NUM
ajoaa-483	90	4	2.888	2.888	NUM
ajoaa-483	90	5	marital	marital	ADJ
ajoaa-483	90	6	status	status	NOUN
ajoaa-483	90	7	1.278	1.278	NUM
ajoaa-483	90	8	3.648	3.648	NUM
ajoaa-483	90	9	0.123	0.123	NUM
ajoaa-483	90	10	household	household	NOUN
ajoaa-483	90	11	size	size	NOUN
ajoaa-483	90	12	-1.915	-1.915	PROPN
ajoaa-483	90	13	*	*	NUM
ajoaa-483	90	14	0.922	0.922	NUM
ajoaa-483	90	15	4.314	4.314	NUM
ajoaa-483	90	16	land	land	NOUN
ajoaa-483	90	17	size	size	NOUN
ajoaa-483	90	18	0.567	0.567	NUM
ajoaa-483	90	19	0.967	0.967	NUM
ajoaa-483	90	20	0.344	0.344	NUM
ajoaa-483	90	21	land	land	NOUN
ajoaa-483	90	22	tenure	tenure	NOUN
ajoaa-483	90	23	-3.531	-3.531	PROPN
ajoaa-483	90	24	3.458	3.458	NUM
ajoaa-483	90	25	1.043	1.043	NUM
ajoaa-483	90	26	occupation	occupation	NOUN
ajoaa-483	90	27	93.129	93.129	NUM
ajoaa-483	90	28	40,361.861	40,361.861	NUM
ajoaa-483	90	29	0.000	0.000	NUM
ajoaa-483	90	30	farm	farm	NOUN
ajoaa-483	90	31	income	income	NOUN
ajoaa-483	90	32	7.999	7.999	NUM
ajoaa-483	90	33	*	*	NUM
ajoaa-483	90	34	2.860	2.860	NUM
ajoaa-483	90	35	7.825	7.825	NUM
ajoaa-483	90	36	perception	perception	NOUN
ajoaa-483	90	37	-11.858	-11.858	ADP
ajoaa-483	90	38	18.473	18.473	NUM
ajoaa-483	90	39	0.412	0.412	NUM
ajoaa-483	90	40	collateral	collateral	NOUN
ajoaa-483	90	41	6.073	6.073	NUM
ajoaa-483	90	42	*	*	SYM
ajoaa-483	90	43	2.277	2.277	NUM
ajoaa-483	90	44	7.113	7.113	NUM
ajoaa-483	90	45	awareness	awareness	NOUN
ajoaa-483	90	46	0.304	0.304	NUM
ajoaa-483	90	47	*	*	NOUN
ajoaa-483	90	48	*	*	X
ajoaa-483	90	49	0.041	0.041	NUM
ajoaa-483	90	50	54.977	54.977	NUM
ajoaa-483	90	51	education	education	NOUN
ajoaa-483	90	52	level	level	NOUN
ajoaa-483	90	53	-2.630	-2.630	NOUN
ajoaa-483	90	54	4.544	4.544	NUM
ajoaa-483	90	55	0.335	0.335	NUM
ajoaa-483	90	56	constant	constant	ADJ
ajoaa-483	90	57	-13.796	-13.796	PRON
ajoaa-483	90	58	19.135	19.135	NUM
ajoaa-483	90	59	0.520	0.520	NUM
ajoaa-483	90	60	-2	-2	NOUN
ajoaa-483	90	61	log	log	NOUN
ajoaa-483	90	62	likelihood	likelihood	NOUN
ajoaa-483	90	63	→	→	SYM
ajoaa-483	90	64	6.610	6.610	NUM
ajoaa-483	90	65	cox	cox	PROPN
ajoaa-483	90	66	&	&	CCONJ
ajoaa-483	90	67	snell	snell	PROPN
ajoaa-483	90	68	r	r	PROPN
ajoaa-483	90	69	square	square	PROPN
ajoaa-483	90	70	→	→	SYM
ajoaa-483	90	71	0.706	0.706	NUM
ajoaa-483	90	72	nagelkerke	nagelkerke	PROPN
ajoaa-483	90	73	r	r	NOUN
ajoaa-483	90	74	square	square	NOUN
ajoaa-483	90	75	→	→	SYM
ajoaa-483	90	76	0.941	0.941	NUM
ajoaa-483	90	77	omnibus	omnibus	ADJ
ajoaa-483	90	78	test	test	NOUN
ajoaa-483	90	79	for	for	ADP
ajoaa-483	90	80	model	model	NOUN
ajoaa-483	90	81	coefficients	coefficient	NOUN
ajoaa-483	90	82	chi	chi	ADJ
ajoaa-483	90	83	-	-	PUNCT
ajoaa-483	90	84	square	square	ADJ
ajoaa-483	90	85	→	→	SYM
ajoaa-483	90	86	200.742	200.742	NUM
ajoaa-483	90	87	hosmer	hosmer	X
ajoaa-483	90	88	&	&	CCONJ
ajoaa-483	90	89	lemeshow	lemeshow	PROPN
ajoaa-483	90	90	test	test	NOUN
ajoaa-483	90	91	model	model	NOUN
ajoaa-483	90	92	chi	chi	PROPN
ajoaa-483	90	93	-	-	PUNCT
ajoaa-483	90	94	square	square	NOUN
ajoaa-483	90	95	→	→	SYM
ajoaa-483	90	96	2.809	2.809	NUM
ajoaa-483	90	97	sample	sample	NOUN
ajoaa-483	90	98	size	size	NOUN
ajoaa-483	90	99	→	→	SYM
ajoaa-483	90	100	n	n	CCONJ
ajoaa-483	90	101	=	=	SYM
ajoaa-483	90	102	164	164	NUM
ajoaa-483	90	103	the	the	DET
ajoaa-483	90	104	*	*	PROPN
ajoaa-483	90	105	*	*	PUNCT
ajoaa-483	90	106	and	and	CCONJ
ajoaa-483	90	107	*	*	AUX
ajoaa-483	90	108	represent	represent	VERB
ajoaa-483	90	109	1	1	NUM
ajoaa-483	90	110	%	%	NOUN
ajoaa-483	90	111	and	and	CCONJ
ajoaa-483	90	112	5	5	NUM
ajoaa-483	90	113	%	%	NOUN
ajoaa-483	90	114	levels	level	NOUN
ajoaa-483	90	115	of	of	ADP
ajoaa-483	90	116	significance	significance	NOUN
ajoaa-483	90	117	respectively	respectively	ADV
ajoaa-483	90	118	.	.	PUNCT
ajoaa-483	91	1	source	source	NOUN
ajoaa-483	91	2	:	:	PUNCT
ajoaa-483	91	3	author	author	PROPN
ajoaa-483	91	4	’s	’s	PART
ajoaa-483	91	5	survey	survey	PROPN
ajoaa-483	91	6	data	datum	NOUN
ajoaa-483	91	7	,	,	PUNCT
ajoaa-483	91	8	2009	2009	NUM
ajoaa-483	91	9	with	with	ADP
ajoaa-483	91	10	collateral	collateral	NOUN
ajoaa-483	91	11	being	be	AUX
ajoaa-483	91	12	a	a	DET
ajoaa-483	91	13	major	major	ADJ
ajoaa-483	91	14	factor	factor	NOUN
ajoaa-483	91	15	in	in	ADP
ajoaa-483	91	16	accessing	access	VERB
ajoaa-483	91	17	credit	credit	NOUN
ajoaa-483	91	18	,	,	PUNCT
ajoaa-483	91	19	it	it	PRON
ajoaa-483	91	20	is	be	AUX
ajoaa-483	91	21	necessary	necessary	ADJ
ajoaa-483	91	22	that	that	SCONJ
ajoaa-483	91	23	land	land	NOUN
ajoaa-483	91	24	ownership	ownership	NOUN
ajoaa-483	91	25	issues	issue	NOUN
ajoaa-483	91	26	are	be	AUX
ajoaa-483	91	27	addressed	address	VERB
ajoaa-483	91	28	especially	especially	ADV
ajoaa-483	91	29	among	among	ADP
ajoaa-483	91	30	smallholder	smallholder	NOUN
ajoaa-483	91	31	farmers	farmer	NOUN
ajoaa-483	91	32	.	.	PUNCT
ajoaa-483	92	1	that	that	PRON
ajoaa-483	92	2	could	could	AUX
ajoaa-483	92	3	be	be	AUX
ajoaa-483	92	4	facilitated	facilitate	VERB
ajoaa-483	92	5	by	by	ADP
ajoaa-483	92	6	ensuring	ensure	VERB
ajoaa-483	92	7	that	that	SCONJ
ajoaa-483	92	8	the	the	DET
ajoaa-483	92	9	government	government	NOUN
ajoaa-483	92	10	deals	deal	VERB
ajoaa-483	92	11	with	with	ADP
ajoaa-483	92	12	any	any	DET
ajoaa-483	92	13	bureaucracies	bureaucracy	NOUN
ajoaa-483	92	14	and	and	CCONJ
ajoaa-483	92	15	red	red	ADJ
ajoaa-483	92	16	-	-	PUNCT
ajoaa-483	92	17	tapes	tape	NOUN
ajoaa-483	92	18	involved	involve	VERB
ajoaa-483	92	19	in	in	ADP
ajoaa-483	92	20	land	land	NOUN
ajoaa-483	92	21	registration	registration	NOUN
ajoaa-483	92	22	to	to	PART
ajoaa-483	92	23	benefit	benefit	VERB
ajoaa-483	92	24	majority	majority	NOUN
ajoaa-483	92	25	of	of	ADP
ajoaa-483	92	26	smallholder	smallholder	NOUN
ajoaa-483	92	27	farmers	farmer	NOUN
ajoaa-483	92	28	who	who	PRON
ajoaa-483	92	29	remain	remain	VERB
ajoaa-483	92	30	insecure	insecure	ADJ
ajoaa-483	92	31	in	in	ADP
ajoaa-483	92	32	the	the	DET
ajoaa-483	92	33	land	land	NOUN
ajoaa-483	92	34	they	they	PRON
ajoaa-483	92	35	use	use	VERB
ajoaa-483	92	36	without	without	ADP
ajoaa-483	92	37	proof	proof	NOUN
ajoaa-483	92	38	of	of	ADP
ajoaa-483	92	39	ownership	ownership	NOUN
ajoaa-483	92	40	.	.	PUNCT
ajoaa-483	93	1	registration	registration	NOUN
ajoaa-483	93	2	of	of	ADP
ajoaa-483	93	3	lease	lease	NOUN
ajoaa-483	93	4	certificates	certificate	NOUN
ajoaa-483	93	5	for	for	ADP
ajoaa-483	93	6	those	those	DET
ajoaa-483	93	7	smallholder	smallholder	NOUN
ajoaa-483	93	8	farmers	farmer	NOUN
ajoaa-483	93	9	who	who	PRON
ajoaa-483	93	10	do	do	VERB
ajoaa-483	93	11	n’t	not	PART
ajoaa-483	93	12	own	own	VERB
ajoaa-483	93	13	land	land	NOUN
ajoaa-483	93	14	and	and	CCONJ
ajoaa-483	93	15	use	use	VERB
ajoaa-483	93	16	land	land	NOUN
ajoaa-483	93	17	on	on	ADP
ajoaa-483	93	18	leasehold	leasehold	NOUN
ajoaa-483	93	19	tenure	tenure	NOUN
ajoaa-483	93	20	system	system	NOUN
ajoaa-483	93	21	should	should	AUX
ajoaa-483	93	22	be	be	AUX
ajoaa-483	93	23	made	make	VERB
ajoaa-483	93	24	easier	easy	ADJ
ajoaa-483	93	25	so	so	SCONJ
ajoaa-483	93	26	as	as	SCONJ
ajoaa-483	93	27	to	to	PART
ajoaa-483	93	28	give	give	VERB
ajoaa-483	93	29	them	they	PRON
ajoaa-483	93	30	an	an	DET
ajoaa-483	93	31	opportunity	opportunity	NOUN
ajoaa-483	93	32	of	of	ADP
ajoaa-483	93	33	using	use	VERB
ajoaa-483	93	34	such	such	ADJ
ajoaa-483	93	35	land	land	NOUN
ajoaa-483	93	36	as	as	ADP
ajoaa-483	93	37	collateral	collateral	NOUN
ajoaa-483	93	38	to	to	PART
ajoaa-483	93	39	obtain	obtain	VERB
ajoaa-483	93	40	credit	credit	NOUN
ajoaa-483	93	41	from	from	ADP
ajoaa-483	93	42	financial	financial	ADJ
ajoaa-483	93	43	institutions	institution	NOUN
ajoaa-483	93	44	.	.	PUNCT
ajoaa-483	94	1	awareness	awareness	NOUN
ajoaa-483	94	2	of	of	ADP
ajoaa-483	94	3	credit	credit	NOUN
ajoaa-483	94	4	availability	availability	NOUN
ajoaa-483	94	5	had	have	VERB
ajoaa-483	94	6	a	a	DET
ajoaa-483	94	7	positive	positive	ADJ
ajoaa-483	94	8	and	and	CCONJ
ajoaa-483	94	9	significant	significant	ADJ
ajoaa-483	94	10	relationship	relationship	NOUN
ajoaa-483	94	11	with	with	ADP
ajoaa-483	94	12	access	access	NOUN
ajoaa-483	94	13	to	to	ADP
ajoaa-483	94	14	credit	credit	NOUN
ajoaa-483	94	15	.	.	PUNCT
ajoaa-483	95	1	awareness	awareness	NOUN
ajoaa-483	95	2	was	be	AUX
ajoaa-483	95	3	significant	significant	ADJ
ajoaa-483	95	4	at	at	ADP
ajoaa-483	95	5	1	1	NUM
ajoaa-483	95	6	percent	percent	NOUN
ajoaa-483	95	7	.	.	PUNCT
ajoaa-483	96	1	an	an	DET
ajoaa-483	96	2	increase	increase	NOUN
ajoaa-483	96	3	in	in	ADP
ajoaa-483	96	4	the	the	DET
ajoaa-483	96	5	awareness	awareness	NOUN
ajoaa-483	96	6	level	level	NOUN
ajoaa-483	96	7	was	be	AUX
ajoaa-483	96	8	found	find	VERB
ajoaa-483	96	9	to	to	PART
ajoaa-483	96	10	lead	lead	VERB
ajoaa-483	96	11	to	to	ADP
ajoaa-483	96	12	an	an	DET
ajoaa-483	96	13	increase	increase	NOUN
ajoaa-483	96	14	in	in	ADP
ajoaa-483	96	15	log	log	NOUN
ajoaa-483	96	16	-	-	PUNCT
ajoaa-483	96	17	of	of	ADP
ajoaa-483	96	18	-	-	PUNCT
ajoaa-483	96	19	odds	odd	NOUN
ajoaa-483	96	20	in	in	ADP
ajoaa-483	96	21	favour	favour	NOUN
ajoaa-483	96	22	of	of	ADP
ajoaa-483	96	23	credit	credit	NOUN
ajoaa-483	96	24	access	access	NOUN
ajoaa-483	96	25	by	by	ADP
ajoaa-483	96	26	0.304	0.304	NUM
ajoaa-483	96	27	.	.	PUNCT
ajoaa-483	97	1	that	that	PRON
ajoaa-483	97	2	implied	imply	VERB
ajoaa-483	97	3	that	that	SCONJ
ajoaa-483	97	4	those	those	DET
ajoaa-483	97	5	individuals	individual	NOUN
ajoaa-483	97	6	who	who	PRON
ajoaa-483	97	7	were	be	AUX
ajoaa-483	97	8	aware	aware	ADJ
ajoaa-483	97	9	of	of	ADP
ajoaa-483	97	10	the	the	DET
ajoaa-483	97	11	availability	availability	NOUN
ajoaa-483	97	12	of	of	ADP
ajoaa-483	97	13	credit	credit	NOUN
ajoaa-483	97	14	from	from	ADP
ajoaa-483	97	15	financial	financial	ADJ
ajoaa-483	97	16	institutions	institution	NOUN
ajoaa-483	97	17	had	have	VERB
ajoaa-483	97	18	a	a	DET
ajoaa-483	97	19	better	well	ADJ
ajoaa-483	97	20	chance	chance	NOUN
ajoaa-483	97	21	to	to	PART
ajoaa-483	97	22	access	access	VERB
ajoaa-483	97	23	credit	credit	NOUN
ajoaa-483	97	24	than	than	ADP
ajoaa-483	97	25	those	those	PRON
ajoaa-483	97	26	who	who	PRON
ajoaa-483	97	27	were	be	AUX
ajoaa-483	97	28	not	not	PART
ajoaa-483	97	29	aware	aware	ADJ
ajoaa-483	97	30	.	.	PUNCT
ajoaa-483	98	1	the	the	DET
ajoaa-483	98	2	relationship	relationship	NOUN
ajoaa-483	98	3	between	between	ADP
ajoaa-483	98	4	farm	farm	NOUN
ajoaa-483	98	5	income	income	NOUN
ajoaa-483	98	6	and	and	CCONJ
ajoaa-483	98	7	credit	credit	NOUN
ajoaa-483	98	8	access	access	NOUN
ajoaa-483	98	9	among	among	ADP
ajoaa-483	98	10	smallholder	smallholder	NOUN
ajoaa-483	98	11	farmers	farmer	NOUN
ajoaa-483	98	12	in	in	ADP
ajoaa-483	98	13	nyandarua	nyandarua	PROPN
ajoaa-483	98	14	district	district	NOUN
ajoaa-483	98	15	was	be	AUX
ajoaa-483	98	16	found	find	VERB
ajoaa-483	98	17	to	to	PART
ajoaa-483	98	18	be	be	AUX
ajoaa-483	98	19	positive	positive	ADJ
ajoaa-483	98	20	and	and	CCONJ
ajoaa-483	98	21	significant	significant	ADJ
ajoaa-483	98	22	at	at	ADP
ajoaa-483	98	23	5	5	NUM
ajoaa-483	98	24	percent	percent	NOUN
ajoaa-483	98	25	.	.	PUNCT
ajoaa-483	99	1	a	a	DET
ajoaa-483	99	2	unit	unit	NOUN
ajoaa-483	99	3	increase	increase	NOUN
ajoaa-483	99	4	in	in	ADP
ajoaa-483	99	5	average	average	ADJ
ajoaa-483	99	6	annual	annual	ADJ
ajoaa-483	99	7	farm	farm	NOUN
ajoaa-483	99	8	income	income	NOUN
ajoaa-483	99	9	would	would	AUX
ajoaa-483	99	10	lead	lead	VERB
ajoaa-483	99	11	to	to	ADP
ajoaa-483	99	12	an	an	DET
ajoaa-483	99	13	increase	increase	NOUN
ajoaa-483	99	14	in	in	ADP
ajoaa-483	99	15	log	log	NOUN
ajoaa-483	99	16	-	-	PUNCT
ajoaa-483	99	17	of	of	ADP
ajoaa-483	99	18	-	-	PUNCT
ajoaa-483	99	19	odds	odd	NOUN
ajoaa-483	99	20	in	in	ADP
ajoaa-483	99	21	favour	favour	NOUN
ajoaa-483	99	22	of	of	ADP
ajoaa-483	99	23	credit	credit	NOUN
ajoaa-483	99	24	access	access	NOUN
ajoaa-483	99	25	by	by	ADP
ajoaa-483	99	26	7.999	7.999	NUM
ajoaa-483	99	27	.	.	PUNCT
ajoaa-483	100	1	the	the	DET
ajoaa-483	100	2	coefficient	coefficient	NOUN
ajoaa-483	100	3	was	be	AUX
ajoaa-483	100	4	positive	positive	ADJ
ajoaa-483	100	5	implying	imply	VERB
ajoaa-483	100	6	that	that	SCONJ
ajoaa-483	100	7	those	those	DET
ajoaa-483	100	8	smallholder	smallholder	NOUN
ajoaa-483	100	9	farmers	farmer	NOUN
ajoaa-483	100	10	in	in	ADP
ajoaa-483	100	11	nyandarua	nyandarua	PROPN
ajoaa-483	100	12	district	district	NOUN
ajoaa-483	100	13	with	with	ADP
ajoaa-483	100	14	a	a	DET
ajoaa-483	100	15	larger	large	ADJ
ajoaa-483	100	16	farm	farm	NOUN
ajoaa-483	100	17	income	income	NOUN
ajoaa-483	100	18	outlay	outlay	NOUN
ajoaa-483	100	19	would	would	AUX
ajoaa-483	100	20	access	access	VERB
ajoaa-483	100	21	credit	credit	NOUN
ajoaa-483	100	22	much	much	ADV
ajoaa-483	100	23	easily	easily	ADV
ajoaa-483	100	24	than	than	ADP
ajoaa-483	100	25	asian	asian	ADJ
ajoaa-483	100	26	journal	journal	NOUN
ajoaa-483	100	27	of	of	ADP
ajoaa-483	100	28	agriculture	agriculture	NOUN
ajoaa-483	100	29	and	and	CCONJ
ajoaa-483	100	30	rural	rural	ADJ
ajoaa-483	100	31	development	development	NOUN
ajoaa-483	100	32	,	,	PUNCT
ajoaa-483	100	33	1(2)2011	1(2)2011	NUM
ajoaa-483	100	34	:	:	PUNCT
ajoaa-483	100	35	64	64	NUM
ajoaa-483	100	36	-	-	SYM
ajoaa-483	100	37	68	68	NUM
ajoaa-483	100	38	68	68	NUM
ajoaa-483	100	39	those	those	PRON
ajoaa-483	100	40	whose	whose	DET
ajoaa-483	100	41	income	income	NOUN
ajoaa-483	100	42	was	be	AUX
ajoaa-483	100	43	low	low	ADJ
ajoaa-483	100	44	.	.	PUNCT
ajoaa-483	101	1	given	give	VERB
ajoaa-483	101	2	that	that	DET
ajoaa-483	101	3	majority	majority	NOUN
ajoaa-483	101	4	of	of	ADP
ajoaa-483	101	5	the	the	DET
ajoaa-483	101	6	sampled	sample	VERB
ajoaa-483	101	7	smallholder	smallholder	NOUN
ajoaa-483	101	8	farmers	farmer	NOUN
ajoaa-483	101	9	in	in	ADP
ajoaa-483	101	10	nyandarua	nyandarua	PROPN
ajoaa-483	101	11	district	district	NOUN
ajoaa-483	101	12	had	have	VERB
ajoaa-483	101	13	an	an	DET
ajoaa-483	101	14	average	average	ADJ
ajoaa-483	101	15	annual	annual	ADJ
ajoaa-483	101	16	farm	farm	NOUN
ajoaa-483	101	17	income	income	NOUN
ajoaa-483	101	18	below	below	ADP
ajoaa-483	101	19	the	the	DET
ajoaa-483	101	20	mean	mean	ADJ
ajoaa-483	101	21	average	average	ADJ
ajoaa-483	101	22	annual	annual	ADJ
ajoaa-483	101	23	farm	farm	NOUN
ajoaa-483	101	24	income	income	NOUN
ajoaa-483	101	25	of	of	ADP
ajoaa-483	101	26	kshs	kshs	PROPN
ajoaa-483	101	27	42,896.34	42,896.34	NOUN
ajoaa-483	101	28	,	,	PUNCT
ajoaa-483	101	29	smallholder	smallholder	NOUN
ajoaa-483	101	30	farmers	farmer	NOUN
ajoaa-483	101	31	had	have	VERB
ajoaa-483	101	32	difficulties	difficulty	NOUN
ajoaa-483	101	33	accessing	access	VERB
ajoaa-483	101	34	credit	credit	NOUN
ajoaa-483	101	35	from	from	ADP
ajoaa-483	101	36	financial	financial	ADJ
ajoaa-483	101	37	institutions	institution	NOUN
ajoaa-483	101	38	due	due	ADP
ajoaa-483	101	39	to	to	ADP
ajoaa-483	101	40	low	low	ADJ
ajoaa-483	101	41	farm	farm	NOUN
ajoaa-483	101	42	incomes	income	NOUN
ajoaa-483	101	43	.	.	PUNCT
ajoaa-483	102	1	that	that	PRON
ajoaa-483	102	2	was	be	AUX
ajoaa-483	102	3	expected	expect	VERB
ajoaa-483	102	4	because	because	SCONJ
ajoaa-483	102	5	nyandarua	nyandarua	PROPN
ajoaa-483	102	6	district	district	NOUN
ajoaa-483	102	7	is	be	AUX
ajoaa-483	102	8	characterized	characterize	VERB
ajoaa-483	102	9	by	by	ADP
ajoaa-483	102	10	poor	poor	ADJ
ajoaa-483	102	11	product	product	NOUN
ajoaa-483	102	12	prices	price	NOUN
ajoaa-483	102	13	for	for	ADP
ajoaa-483	102	14	farm	farm	NOUN
ajoaa-483	102	15	produce	produce	NOUN
ajoaa-483	102	16	hence	hence	ADV
ajoaa-483	102	17	farmers	farmer	NOUN
ajoaa-483	102	18	do	do	AUX
ajoaa-483	102	19	not	not	PART
ajoaa-483	102	20	benefit	benefit	VERB
ajoaa-483	102	21	much	much	ADV
ajoaa-483	102	22	financially	financially	ADV
ajoaa-483	102	23	from	from	ADP
ajoaa-483	102	24	their	their	PRON
ajoaa-483	102	25	agricultural	agricultural	ADJ
ajoaa-483	102	26	produce	produce	NOUN
ajoaa-483	102	27	.	.	PUNCT
ajoaa-483	103	1	it	it	PRON
ajoaa-483	103	2	is	be	AUX
ajoaa-483	103	3	important	important	ADJ
ajoaa-483	103	4	for	for	SCONJ
ajoaa-483	103	5	farmers	farmer	NOUN
ajoaa-483	103	6	to	to	PART
ajoaa-483	103	7	diversify	diversify	VERB
ajoaa-483	103	8	their	their	PRON
ajoaa-483	103	9	agricultural	agricultural	ADJ
ajoaa-483	103	10	activities	activity	NOUN
ajoaa-483	103	11	so	so	SCONJ
ajoaa-483	103	12	as	as	SCONJ
ajoaa-483	103	13	to	to	PART
ajoaa-483	103	14	increase	increase	VERB
ajoaa-483	103	15	their	their	PRON
ajoaa-483	103	16	farm	farm	NOUN
ajoaa-483	103	17	income	income	NOUN
ajoaa-483	103	18	.	.	PUNCT
ajoaa-483	104	1	diversification	diversification	NOUN
ajoaa-483	104	2	of	of	ADP
ajoaa-483	104	3	enterprises	enterprise	NOUN
ajoaa-483	104	4	will	will	AUX
ajoaa-483	104	5	ensure	ensure	VERB
ajoaa-483	104	6	that	that	SCONJ
ajoaa-483	104	7	farmers	farmer	NOUN
ajoaa-483	104	8	fetch	fetch	VERB
ajoaa-483	104	9	more	more	ADJ
ajoaa-483	104	10	income	income	NOUN
ajoaa-483	104	11	and	and	CCONJ
ajoaa-483	104	12	in	in	ADP
ajoaa-483	104	13	turn	turn	NOUN
ajoaa-483	104	14	repay	repay	VERB
ajoaa-483	104	15	their	their	PRON
ajoaa-483	104	16	loans	loan	NOUN
ajoaa-483	104	17	without	without	ADP
ajoaa-483	104	18	difficulty	difficulty	NOUN
ajoaa-483	104	19	.	.	PUNCT
ajoaa-483	105	1	however	however	ADV
ajoaa-483	105	2	,	,	PUNCT
ajoaa-483	105	3	as	as	SCONJ
ajoaa-483	105	4	it	it	PRON
ajoaa-483	105	5	was	be	AUX
ajoaa-483	105	6	observed	observe	VERB
ajoaa-483	105	7	in	in	ADP
ajoaa-483	105	8	the	the	DET
ajoaa-483	105	9	field	field	NOUN
ajoaa-483	105	10	,	,	PUNCT
ajoaa-483	105	11	majority	majority	NOUN
ajoaa-483	105	12	of	of	ADP
ajoaa-483	105	13	farmers	farmer	NOUN
ajoaa-483	105	14	fail	fail	VERB
ajoaa-483	105	15	to	to	PART
ajoaa-483	105	16	diversify	diversify	VERB
ajoaa-483	105	17	their	their	PRON
ajoaa-483	105	18	farming	farming	NOUN
ajoaa-483	105	19	activities	activity	NOUN
ajoaa-483	105	20	due	due	ADJ
ajoaa-483	105	21	to	to	ADP
ajoaa-483	105	22	credit	credit	NOUN
ajoaa-483	105	23	/	/	SYM
ajoaa-483	105	24	capital	capital	NOUN
ajoaa-483	105	25	challenges	challenge	NOUN
ajoaa-483	105	26	and	and	CCONJ
ajoaa-483	105	27	inability	inability	NOUN
ajoaa-483	105	28	to	to	PART
ajoaa-483	105	29	increase	increase	VERB
ajoaa-483	105	30	their	their	PRON
ajoaa-483	105	31	land	land	NOUN
ajoaa-483	105	32	acreage	acreage	NOUN
ajoaa-483	105	33	.	.	PUNCT
ajoaa-483	106	1	it	it	PRON
ajoaa-483	106	2	is	be	AUX
ajoaa-483	106	3	hence	hence	ADV
ajoaa-483	106	4	important	important	ADJ
ajoaa-483	106	5	that	that	SCONJ
ajoaa-483	106	6	extension	extension	NOUN
ajoaa-483	106	7	services	service	NOUN
ajoaa-483	106	8	be	be	AUX
ajoaa-483	106	9	enhanced	enhance	VERB
ajoaa-483	106	10	and	and	CCONJ
ajoaa-483	106	11	effectively	effectively	ADV
ajoaa-483	106	12	linked	link	VERB
ajoaa-483	106	13	to	to	ADP
ajoaa-483	106	14	research	research	NOUN
ajoaa-483	106	15	activities	activity	NOUN
ajoaa-483	106	16	and	and	CCONJ
ajoaa-483	106	17	farmers	farmer	NOUN
ajoaa-483	106	18	so	so	SCONJ
ajoaa-483	106	19	as	as	SCONJ
ajoaa-483	106	20	to	to	PART
ajoaa-483	106	21	facilitate	facilitate	VERB
ajoaa-483	106	22	smooth	smooth	ADJ
ajoaa-483	106	23	flow	flow	NOUN
ajoaa-483	106	24	of	of	ADP
ajoaa-483	106	25	developed	develop	VERB
ajoaa-483	106	26	innovations	innovation	NOUN
ajoaa-483	106	27	that	that	PRON
ajoaa-483	106	28	are	be	AUX
ajoaa-483	106	29	beneficial	beneficial	ADJ
ajoaa-483	106	30	to	to	ADP
ajoaa-483	106	31	farmers	farmer	NOUN
ajoaa-483	106	32	.	.	PUNCT
ajoaa-483	107	1	that	that	PRON
ajoaa-483	107	2	will	will	AUX
ajoaa-483	107	3	ensure	ensure	VERB
ajoaa-483	107	4	that	that	SCONJ
ajoaa-483	107	5	farmers	farmer	NOUN
ajoaa-483	107	6	are	be	AUX
ajoaa-483	107	7	engaged	engage	VERB
ajoaa-483	107	8	in	in	ADP
ajoaa-483	107	9	successful	successful	ADJ
ajoaa-483	107	10	and	and	CCONJ
ajoaa-483	107	11	profitable	profitable	ADJ
ajoaa-483	107	12	enterprises	enterprise	NOUN
ajoaa-483	107	13	and	and	CCONJ
ajoaa-483	107	14	reduce	reduce	VERB
ajoaa-483	107	15	chances	chance	NOUN
ajoaa-483	107	16	of	of	ADP
ajoaa-483	107	17	enterprise	enterprise	NOUN
ajoaa-483	107	18	failures	failure	NOUN
ajoaa-483	107	19	thereby	thereby	ADV
ajoaa-483	107	20	giving	give	VERB
ajoaa-483	107	21	value	value	NOUN
ajoaa-483	107	22	to	to	ADP
ajoaa-483	107	23	credit	credit	NOUN
ajoaa-483	107	24	through	through	ADP
ajoaa-483	107	25	the	the	DET
ajoaa-483	107	26	improvement	improvement	NOUN
ajoaa-483	107	27	of	of	ADP
ajoaa-483	107	28	performance	performance	NOUN
ajoaa-483	107	29	of	of	ADP
ajoaa-483	107	30	assisted	assist	VERB
ajoaa-483	107	31	enterprises	enterprise	NOUN
ajoaa-483	107	32	.	.	PUNCT
ajoaa-483	108	1	in	in	ADP
ajoaa-483	108	2	addition	addition	NOUN
ajoaa-483	108	3	,	,	PUNCT
ajoaa-483	108	4	the	the	DET
ajoaa-483	108	5	government	government	NOUN
ajoaa-483	108	6	and	and	CCONJ
ajoaa-483	108	7	market	market	NOUN
ajoaa-483	108	8	players	player	NOUN
ajoaa-483	108	9	should	should	AUX
ajoaa-483	108	10	ensure	ensure	VERB
ajoaa-483	108	11	that	that	SCONJ
ajoaa-483	108	12	farmers	farmer	NOUN
ajoaa-483	108	13	obtain	obtain	VERB
ajoaa-483	108	14	competitive	competitive	ADJ
ajoaa-483	108	15	prices	price	NOUN
ajoaa-483	108	16	for	for	ADP
ajoaa-483	108	17	their	their	PRON
ajoaa-483	108	18	farm	farm	NOUN
ajoaa-483	108	19	produce	produce	VERB
ajoaa-483	108	20	so	so	SCONJ
ajoaa-483	108	21	as	as	SCONJ
ajoaa-483	108	22	to	to	PART
ajoaa-483	108	23	make	make	VERB
ajoaa-483	108	24	their	their	PRON
ajoaa-483	108	25	agricultural	agricultural	ADJ
ajoaa-483	108	26	activities	activity	NOUN
ajoaa-483	108	27	lucrative	lucrative	ADJ
ajoaa-483	108	28	enough	enough	ADV
ajoaa-483	108	29	.	.	PUNCT
ajoaa-483	109	1	that	that	PRON
ajoaa-483	109	2	will	will	AUX
ajoaa-483	109	3	also	also	ADV
ajoaa-483	109	4	help	help	VERB
ajoaa-483	109	5	increase	increase	VERB
ajoaa-483	109	6	their	their	PRON
ajoaa-483	109	7	income	income	NOUN
ajoaa-483	109	8	margins	margin	NOUN
ajoaa-483	109	9	significantly	significantly	ADV
ajoaa-483	109	10	.	.	PUNCT
ajoaa-483	110	1	views	view	NOUN
ajoaa-483	110	2	and	and	CCONJ
ajoaa-483	110	3	opinions	opinion	NOUN
ajoaa-483	110	4	expressed	express	VERB
ajoaa-483	110	5	in	in	ADP
ajoaa-483	110	6	this	this	DET
ajoaa-483	110	7	study	study	NOUN
ajoaa-483	110	8	are	be	AUX
ajoaa-483	110	9	the	the	DET
ajoaa-483	110	10	views	view	NOUN
ajoaa-483	110	11	and	and	CCONJ
ajoaa-483	110	12	opinions	opinion	NOUN
ajoaa-483	110	13	of	of	ADP
ajoaa-483	110	14	the	the	DET
ajoaa-483	110	15	authors	author	NOUN
ajoaa-483	110	16	,	,	PUNCT
ajoaa-483	110	17	asian	asian	ADJ
ajoaa-483	110	18	journal	journal	NOUN
ajoaa-483	110	19	of	of	ADP
ajoaa-483	110	20	agriculture	agriculture	NOUN
ajoaa-483	110	21	and	and	CCONJ
ajoaa-483	110	22	rural	rural	ADJ
ajoaa-483	110	23	development	development	NOUN
ajoaa-483	110	24	shall	shall	AUX
ajoaa-483	110	25	not	not	PART
ajoaa-483	110	26	be	be	AUX
ajoaa-483	110	27	responsible	responsible	ADJ
ajoaa-483	110	28	or	or	CCONJ
ajoaa-483	110	29	answerable	answerable	ADJ
ajoaa-483	110	30	for	for	ADP
ajoaa-483	110	31	any	any	DET
ajoaa-483	110	32	loss	loss	NOUN
ajoaa-483	110	33	,	,	PUNCT
ajoaa-483	110	34	damage	damage	NOUN
ajoaa-483	110	35	or	or	CCONJ
ajoaa-483	110	36	liability	liability	NOUN
ajoaa-483	110	37	etc	etc	X
ajoaa-483	110	38	.	.	X
ajoaa-483	110	39	caused	cause	VERB
ajoaa-483	110	40	in	in	ADP
ajoaa-483	110	41	relation	relation	NOUN
ajoaa-483	110	42	to	to	PART
ajoaa-483	110	43	/	/	PUNCT
ajoaa-483	110	44	arising	arise	VERB
ajoaa-483	110	45	out	out	ADP
ajoaa-483	110	46	of	of	ADP
ajoaa-483	110	47	the	the	DET
ajoaa-483	110	48	use	use	NOUN
ajoaa-483	110	49	of	of	ADP
ajoaa-483	110	50	the	the	DET
ajoaa-483	110	51	content	content	NOUN
ajoaa-483	110	52	.	.	PUNCT
ajoaa-483	111	1	references	reference	NOUN
ajoaa-483	111	2	agricultural	agricultural	ADJ
ajoaa-483	111	3	finance	finance	NOUN
ajoaa-483	111	4	corporation	corporation	NOUN
ajoaa-483	111	5	,	,	PUNCT
ajoaa-483	111	6	(	(	PUNCT
ajoaa-483	111	7	2008	2008	NUM
ajoaa-483	111	8	)	)	PUNCT
ajoaa-483	111	9	.	.	PUNCT
ajoaa-483	112	1	nyandarua	nyandarua	PROPN
ajoaa-483	112	2	distrct	distrct	PROPN
ajoaa-483	112	3	lending	lending	PROPN
ajoaa-483	112	4	and	and	CCONJ
ajoaa-483	112	5	disbursement	disbursement	NOUN
ajoaa-483	112	6	semi	semi	ADJ
ajoaa-483	112	7	-	-	ADJ
ajoaa-483	112	8	annual	annual	ADJ
ajoaa-483	112	9	report	report	NOUN
ajoaa-483	112	10	:	:	PUNCT
ajoaa-483	112	11	january	january	PROPN
ajoaa-483	112	12	2008	2008	NUM
ajoaa-483	112	13	-	-	SYM
ajoaa-483	112	14	june	june	PROPN
ajoaa-483	112	15	2008	2008	NUM
ajoaa-483	112	16	.	.	PUNCT
ajoaa-483	113	1	nyahururu	nyahururu	NOUN
ajoaa-483	113	2	,	,	PUNCT
ajoaa-483	113	3	technical	technical	PROPN
ajoaa-483	113	4	services	services	PROPN
ajoaa-483	113	5	department	department	PROPN
ajoaa-483	113	6	.	.	PUNCT
ajoaa-483	114	1	central	central	ADJ
ajoaa-483	114	2	bureau	bureau	PROPN
ajoaa-483	114	3	of	of	ADP
ajoaa-483	114	4	statistics	statistic	NOUN
ajoaa-483	114	5	(	(	PUNCT
ajoaa-483	114	6	cbs	cbs	PROPN
ajoaa-483	114	7	)	)	PUNCT
ajoaa-483	114	8	(	(	PUNCT
ajoaa-483	114	9	1996	1996	NUM
ajoaa-483	114	10	)	)	PUNCT
ajoaa-483	114	11	.	.	PUNCT
ajoaa-483	115	1	welfare	welfare	NOUN
ajoaa-483	115	2	monitoring	monitoring	PROPN
ajoaa-483	115	3	survey	survey	PROPN
ajoaa-483	115	4	ii	ii	PROPN
ajoaa-483	115	5	,	,	PUNCT
ajoaa-483	115	6	1994	1994	NUM
ajoaa-483	115	7	basic	basic	ADJ
ajoaa-483	115	8	report	report	NOUN
ajoaa-483	115	9	.	.	PUNCT
ajoaa-483	116	1	nairobi	nairobi	PROPN
ajoaa-483	116	2	,	,	PUNCT
ajoaa-483	116	3	kenya	kenya	PROPN
ajoaa-483	116	4	.	.	PUNCT
ajoaa-483	117	1	government	government	NOUN
ajoaa-483	117	2	of	of	ADP
ajoaa-483	117	3	kenya	kenya	PROPN
ajoaa-483	117	4	(	(	PUNCT
ajoaa-483	117	5	1999	1999	NUM
ajoaa-483	117	6	)	)	PUNCT
ajoaa-483	117	7	.	.	PUNCT
ajoaa-483	118	1	economic	economic	ADJ
ajoaa-483	118	2	survey	survey	NOUN
ajoaa-483	118	3	.	.	PUNCT
ajoaa-483	119	1	nairobi	nairobi	PROPN
ajoaa-483	119	2	,	,	PUNCT
ajoaa-483	119	3	government	government	NOUN
ajoaa-483	119	4	printer	printer	NOUN
ajoaa-483	119	5	.	.	PUNCT
ajoaa-483	120	1	hossain	hossain	PROPN
ajoaa-483	120	2	,	,	PUNCT
ajoaa-483	120	3	m.	m.	NOUN
ajoaa-483	120	4	(	(	PUNCT
ajoaa-483	120	5	1988	1988	NUM
ajoaa-483	120	6	)	)	PUNCT
ajoaa-483	120	7	.	.	PUNCT
ajoaa-483	121	1	credit	credit	NOUN
ajoaa-483	121	2	for	for	ADP
ajoaa-483	121	3	the	the	DET
ajoaa-483	121	4	alleviation	alleviation	NOUN
ajoaa-483	121	5	of	of	ADP
ajoaa-483	121	6	rural	rural	ADJ
ajoaa-483	121	7	poverty	poverty	NOUN
ajoaa-483	121	8	:	:	PUNCT
ajoaa-483	121	9	the	the	DET
ajoaa-483	121	10	grameen	grameen	PROPN
ajoaa-483	121	11	bank	bank	PROPN
ajoaa-483	121	12	in	in	ADP
ajoaa-483	121	13	bangladesh	bangladesh	PROPN
ajoaa-483	121	14	.	.	PUNCT
ajoaa-483	122	1	ifpri	ifpri	PROPN
ajoaa-483	122	2	research	research	NOUN
ajoaa-483	122	3	report	report	NOUN
ajoaa-483	122	4	no	no	INTJ
ajoaa-483	122	5	.	.	PROPN
ajoaa-483	122	6	65	65	NUM
ajoaa-483	122	7	.	.	PUNCT
ajoaa-483	122	8	maddala	maddala	PROPN
ajoaa-483	122	9	,	,	PUNCT
ajoaa-483	122	10	g.	g.	PROPN
ajoaa-483	122	11	s.	s.	PROPN
ajoaa-483	122	12	(	(	PUNCT
ajoaa-483	122	13	1983	1983	NUM
ajoaa-483	122	14	)	)	PUNCT
ajoaa-483	122	15	.	.	PUNCT
ajoaa-483	123	1	limited	limited	ADJ
ajoaa-483	123	2	dependent	dependent	ADJ
ajoaa-483	123	3	and	and	CCONJ
ajoaa-483	123	4	qualitative	qualitative	ADJ
ajoaa-483	123	5	variables	variable	NOUN
ajoaa-483	123	6	in	in	ADP
ajoaa-483	123	7	econometrics	econometrics	NOUN
ajoaa-483	123	8	.	.	PUNCT
ajoaa-483	124	1	cambridge	cambridge	PROPN
ajoaa-483	124	2	,	,	PUNCT
ajoaa-483	124	3	cambridge	cambridge	PROPN
ajoaa-483	124	4	university	university	PROPN
ajoaa-483	124	5	press	press	NOUN
ajoaa-483	124	6	.	.	PUNCT
ajoaa-483	125	1	odendo	odendo	ADJ
ajoaa-483	125	2	,	,	PUNCT
ajoaa-483	125	3	m.	m.	NOUN
ajoaa-483	125	4	(	(	PUNCT
ajoaa-483	125	5	2000	2000	NUM
ajoaa-483	125	6	)	)	PUNCT
ajoaa-483	125	7	.	.	PUNCT
ajoaa-483	126	1	an	an	DET
ajoaa-483	126	2	economic	economic	ADJ
ajoaa-483	126	3	analysis	analysis	NOUN
ajoaa-483	126	4	of	of	ADP
ajoaa-483	126	5	soil	soil	NOUN
ajoaa-483	126	6	conservation	conservation	NOUN
ajoaa-483	126	7	on	on	ADP
ajoaa-483	126	8	small	small	ADJ
ajoaa-483	126	9	holder	holder	NOUN
ajoaa-483	126	10	farms	farm	NOUN
ajoaa-483	126	11	of	of	ADP
ajoaa-483	126	12	vichuga	vichuga	ADJ
ajoaa-483	126	13	division	division	NOUN
ajoaa-483	126	14	,	,	PUNCT
ajoaa-483	126	15	western	western	ADJ
ajoaa-483	126	16	kenya	kenya	PROPN
ajoaa-483	126	17	.	.	PUNCT
ajoaa-483	127	1	unpublished	unpublished	ADJ
ajoaa-483	127	2	mphil	mphil	PROPN
ajoaa-483	127	3	thesis	thesis	PROPN
ajoaa-483	127	4	,	,	PUNCT
ajoaa-483	127	5	moi	moi	PROPN
ajoaa-483	127	6	university	university	NOUN
ajoaa-483	127	7	.	.	PUNCT