id	sid	tid	token	lemma	pos
ajoaa-543	1	1	publisher	publisher	NOUN
ajoaa-543	1	2	:	:	PUNCT
ajoaa-543	1	3	asian	asian	ADJ
ajoaa-543	1	4	economic	economic	ADJ
ajoaa-543	1	5	and	and	CCONJ
ajoaa-543	1	6	social	social	ADJ
ajoaa-543	1	7	society	society	NOUN
ajoaa-543	1	8	issn	issn	VERB
ajoaa-543	1	9	(	(	PUNCT
ajoaa-543	1	10	p	p	X
ajoaa-543	1	11	):	):	PUNCT
ajoaa-543	1	12	2304	2304	NUM
ajoaa-543	1	13	-	-	SYM
ajoaa-543	1	14	1455	1455	NUM
ajoaa-543	1	15	,	,	PUNCT
ajoaa-543	1	16	issn	issn	PROPN
ajoaa-543	1	17	(	(	PUNCT
ajoaa-543	1	18	e	e	NOUN
ajoaa-543	1	19	):	):	PUNCT
ajoaa-543	1	20	2224	2224	NUM
ajoaa-543	1	21	-	-	SYM
ajoaa-543	1	22	4433	4433	NUM
ajoaa-543	1	23	volume	volume	NOUN
ajoaa-543	1	24	2	2	NUM
ajoaa-543	1	25	no	no	NOUN
ajoaa-543	1	26	.	.	NOUN
ajoaa-543	1	27	2	2	NUM
ajoaa-543	1	28	june	june	PROPN
ajoaa-543	1	29	2012	2012	NUM
ajoaa-543	1	30	.	.	PUNCT
ajoaa-543	2	1	estimation	estimation	NOUN
ajoaa-543	2	2	of	of	ADP
ajoaa-543	2	3	the	the	DET
ajoaa-543	2	4	determinants	determinant	NOUN
ajoaa-543	2	5	of	of	ADP
ajoaa-543	2	6	credit	credit	NOUN
ajoaa-543	2	7	demand	demand	NOUN
ajoaa-543	2	8	by	by	ADP
ajoaa-543	2	9	farmers	farmer	NOUN
ajoaa-543	2	10	and	and	CCONJ
ajoaa-543	2	11	supply	supply	NOUN
ajoaa-543	2	12	by	by	ADP
ajoaa-543	2	13	rural	rural	ADJ
ajoaa-543	2	14	banks	bank	NOUN
ajoaa-543	2	15	in	in	ADP
ajoaa-543	2	16	ghana	ghana	PROPN
ajoaa-543	2	17	’s	’s	PART
ajoaa-543	2	18	upper	upper	PROPN
ajoaa-543	2	19	east	east	PROPN
ajoaa-543	2	20	region	region	PROPN
ajoaa-543	2	21	m.	m.	NOUN
ajoaa-543	2	22	a.	a.	PROPN
ajoaa-543	2	23	akudugu	akudugu	PROPN
ajoaa-543	2	24	(	(	PUNCT
ajoaa-543	2	25	school	school	NOUN
ajoaa-543	2	26	of	of	ADP
ajoaa-543	2	27	agriculture	agriculture	NOUN
ajoaa-543	2	28	,	,	PUNCT
ajoaa-543	2	29	policy	policy	NOUN
ajoaa-543	2	30	and	and	CCONJ
ajoaa-543	2	31	development	development	NOUN
ajoaa-543	2	32	,	,	PUNCT
ajoaa-543	2	33	university	university	NOUN
ajoaa-543	2	34	of	of	ADP
ajoaa-543	2	35	reading	reading	PROPN
ajoaa-543	2	36	,	,	PUNCT
ajoaa-543	2	37	united	united	ADJ
ajoaa-543	2	38	kingdom	kingdom	PROPN
ajoaa-543	2	39	)	)	PUNCT
ajoaa-543	2	40	citation	citation	NOUN
ajoaa-543	2	41	:	:	PUNCT
ajoaa-543	3	1	m.	m.	NOUN
ajoaa-543	3	2	a.	a.	PROPN
ajoaa-543	3	3	akudugu	akudugu	PROPN
ajoaa-543	3	4	(	(	PUNCT
ajoaa-543	3	5	2012	2012	NUM
ajoaa-543	3	6	):	):	PUNCT
ajoaa-543	3	7	“	"	PUNCT
ajoaa-543	3	8	estimation	estimation	NOUN
ajoaa-543	3	9	of	of	ADP
ajoaa-543	3	10	the	the	DET
ajoaa-543	3	11	determinants	determinant	NOUN
ajoaa-543	3	12	of	of	ADP
ajoaa-543	3	13	credit	credit	NOUN
ajoaa-543	3	14	demand	demand	NOUN
ajoaa-543	3	15	by	by	ADP
ajoaa-543	3	16	farmers	farmer	NOUN
ajoaa-543	3	17	and	and	CCONJ
ajoaa-543	3	18	supply	supply	NOUN
ajoaa-543	3	19	by	by	ADP
ajoaa-543	3	20	rural	rural	ADJ
ajoaa-543	3	21	banks	bank	NOUN
ajoaa-543	3	22	in	in	ADP
ajoaa-543	3	23	ghana‟s	ghana‟s	ADJ
ajoaa-543	3	24	upper	upper	PROPN
ajoaa-543	3	25	east	east	PROPN
ajoaa-543	3	26	region	region	NOUN
ajoaa-543	3	27	”	"	PUNCT
ajoaa-543	3	28	,	,	PUNCT
ajoaa-543	3	29	asian	asian	ADJ
ajoaa-543	3	30	journal	journal	NOUN
ajoaa-543	3	31	of	of	ADP
ajoaa-543	3	32	agriculture	agriculture	NOUN
ajoaa-543	3	33	and	and	CCONJ
ajoaa-543	3	34	rural	rural	ADJ
ajoaa-543	3	35	development	development	NOUN
ajoaa-543	3	36	,	,	PUNCT
ajoaa-543	3	37	vol	vol	NOUN
ajoaa-543	3	38	.	.	PROPN
ajoaa-543	3	39	2	2	NUM
ajoaa-543	3	40	,	,	PUNCT
ajoaa-543	3	41	no	no	INTJ
ajoaa-543	3	42	.	.	NOUN
ajoaa-543	3	43	2	2	NUM
ajoaa-543	3	44	,	,	PUNCT
ajoaa-543	3	45	pp	pp	ADJ
ajoaa-543	3	46	.	.	PUNCT
ajoaa-543	4	1	189	189	NUM
ajoaa-543	4	2	-	-	SYM
ajoaa-543	4	3	200	200	NUM
ajoaa-543	4	4	.	.	PUNCT
ajoaa-543	5	1	asian	asian	ADJ
ajoaa-543	5	2	journal	journal	PROPN
ajoaa-543	5	3	of	of	ADP
ajoaa-543	5	4	agriculture	agriculture	NOUN
ajoaa-543	5	5	and	and	CCONJ
ajoaa-543	5	6	rural	rural	ADJ
ajoaa-543	5	7	development	development	NOUN
ajoaa-543	5	8	,	,	PUNCT
ajoaa-543	5	9	2(2	2(2	NUM
ajoaa-543	5	10	)	)	PUNCT
ajoaa-543	5	11	,	,	PUNCT
ajoaa-543	5	12	pp	pp	ADP
ajoaa-543	5	13	.	.	PUNCT
ajoaa-543	6	1	189	189	NUM
ajoaa-543	6	2	-	-	SYM
ajoaa-543	6	3	200	200	NUM
ajoaa-543	6	4	189	189	NUM
ajoaa-543	6	5	author(s	author(s	NOUN
ajoaa-543	6	6	)	)	PUNCT
ajoaa-543	6	7	m.	m.	NOUN
ajoaa-543	6	8	a.	a.	NOUN
ajoaa-543	6	9	akudugu	akudugu	ADP
ajoaa-543	6	10	school	school	NOUN
ajoaa-543	6	11	of	of	ADP
ajoaa-543	6	12	agriculture	agriculture	NOUN
ajoaa-543	6	13	,	,	PUNCT
ajoaa-543	6	14	policy	policy	NOUN
ajoaa-543	6	15	and	and	CCONJ
ajoaa-543	6	16	development	development	NOUN
ajoaa-543	6	17	,	,	PUNCT
ajoaa-543	6	18	university	university	NOUN
ajoaa-543	6	19	of	of	ADP
ajoaa-543	6	20	reading	reading	PROPN
ajoaa-543	6	21	,	,	PUNCT
ajoaa-543	6	22	united	united	PROPN
ajoaa-543	6	23	kingdom	kingdom	PROPN
ajoaa-543	6	24	email:macmoudan@yahoo.com	email:macmoudan@yahoo.com	PROPN
ajoaa-543	6	25	abungah@gmail.com	abungah@gmail.com	X
ajoaa-543	7	1	a.m.akudugu@pgr.reading.ac.uk	a.m.akudugu@pgr.reading.ac.uk	NUM
ajoaa-543	7	2	estimation	estimation	NOUN
ajoaa-543	7	3	of	of	ADP
ajoaa-543	7	4	the	the	DET
ajoaa-543	7	5	determinants	determinant	NOUN
ajoaa-543	7	6	of	of	ADP
ajoaa-543	7	7	credit	credit	NOUN
ajoaa-543	7	8	demand	demand	NOUN
ajoaa-543	7	9	by	by	ADP
ajoaa-543	7	10	farmers	farmer	NOUN
ajoaa-543	7	11	and	and	CCONJ
ajoaa-543	7	12	supply	supply	NOUN
ajoaa-543	7	13	by	by	ADP
ajoaa-543	7	14	rural	rural	ADJ
ajoaa-543	7	15	banks	bank	NOUN
ajoaa-543	7	16	in	in	ADP
ajoaa-543	7	17	ghana	ghana	PROPN
ajoaa-543	7	18	’s	’s	PART
ajoaa-543	7	19	upper	upper	PROPN
ajoaa-543	7	20	east	east	PROPN
ajoaa-543	7	21	region	region	PROPN
ajoaa-543	7	22	abstract	abstract	ADJ
ajoaa-543	7	23	credit	credit	NOUN
ajoaa-543	7	24	is	be	AUX
ajoaa-543	7	25	a	a	DET
ajoaa-543	7	26	strategic	strategic	ADJ
ajoaa-543	7	27	empowerment	empowerment	NOUN
ajoaa-543	7	28	tool	tool	NOUN
ajoaa-543	7	29	that	that	PRON
ajoaa-543	7	30	has	have	VERB
ajoaa-543	7	31	the	the	DET
ajoaa-543	7	32	potential	potential	NOUN
ajoaa-543	7	33	to	to	PART
ajoaa-543	7	34	change	change	VERB
ajoaa-543	7	35	the	the	DET
ajoaa-543	7	36	life	life	NOUN
ajoaa-543	7	37	of	of	ADP
ajoaa-543	7	38	a	a	DET
ajoaa-543	7	39	person	person	NOUN
ajoaa-543	7	40	,	,	PUNCT
ajoaa-543	7	41	family	family	NOUN
ajoaa-543	7	42	or	or	CCONJ
ajoaa-543	7	43	community	community	NOUN
ajoaa-543	7	44	from	from	ADP
ajoaa-543	7	45	a	a	DET
ajoaa-543	7	46	situation	situation	NOUN
ajoaa-543	7	47	of	of	ADP
ajoaa-543	7	48	abject	abject	ADJ
ajoaa-543	7	49	poverty	poverty	NOUN
ajoaa-543	7	50	to	to	ADP
ajoaa-543	7	51	a	a	DET
ajoaa-543	7	52	more	more	ADV
ajoaa-543	7	53	dignified	dignified	ADJ
ajoaa-543	7	54	life	life	NOUN
ajoaa-543	7	55	.	.	PUNCT
ajoaa-543	8	1	it	it	PRON
ajoaa-543	8	2	can	can	AUX
ajoaa-543	8	3	transform	transform	VERB
ajoaa-543	8	4	self	self	NOUN
ajoaa-543	8	5	-	-	PUNCT
ajoaa-543	8	6	image	image	NOUN
ajoaa-543	8	7	,	,	PUNCT
ajoaa-543	8	8	unlock	unlock	NOUN
ajoaa-543	8	9	potential	potential	NOUN
ajoaa-543	8	10	and	and	CCONJ
ajoaa-543	8	11	boost	boost	VERB
ajoaa-543	8	12	the	the	DET
ajoaa-543	8	13	productivity	productivity	NOUN
ajoaa-543	8	14	and	and	CCONJ
ajoaa-543	8	15	well	well	ADV
ajoaa-543	8	16	-	-	PUNCT
ajoaa-543	8	17	being	being	NOUN
ajoaa-543	8	18	of	of	ADP
ajoaa-543	8	19	the	the	DET
ajoaa-543	8	20	poor	poor	ADJ
ajoaa-543	8	21	and	and	CCONJ
ajoaa-543	8	22	vulnerable	vulnerable	ADJ
ajoaa-543	8	23	,	,	PUNCT
ajoaa-543	8	24	especially	especially	ADV
ajoaa-543	8	25	farmers	farmer	NOUN
ajoaa-543	8	26	.	.	PUNCT
ajoaa-543	9	1	this	this	DET
ajoaa-543	9	2	paper	paper	NOUN
ajoaa-543	9	3	estimates	estimate	VERB
ajoaa-543	9	4	the	the	DET
ajoaa-543	9	5	determinants	determinant	NOUN
ajoaa-543	9	6	of	of	ADP
ajoaa-543	9	7	credit	credit	NOUN
ajoaa-543	9	8	demand	demand	NOUN
ajoaa-543	9	9	by	by	ADP
ajoaa-543	9	10	farmers	farmer	NOUN
ajoaa-543	9	11	and	and	CCONJ
ajoaa-543	9	12	supply	supply	NOUN
ajoaa-543	9	13	by	by	ADP
ajoaa-543	9	14	rural	rural	ADJ
ajoaa-543	9	15	banks	bank	NOUN
ajoaa-543	9	16	in	in	ADP
ajoaa-543	9	17	the	the	DET
ajoaa-543	9	18	upper	upper	PROPN
ajoaa-543	9	19	east	east	PROPN
ajoaa-543	9	20	region	region	NOUN
ajoaa-543	9	21	of	of	ADP
ajoaa-543	9	22	ghana	ghana	PROPN
ajoaa-543	9	23	.	.	PUNCT
ajoaa-543	10	1	semi	semi	ADJ
ajoaa-543	10	2	-	-	ADJ
ajoaa-543	10	3	structured	structured	ADJ
ajoaa-543	10	4	questionnaire	questionnaire	NOUN
ajoaa-543	10	5	complimented	compliment	VERB
ajoaa-543	10	6	by	by	ADP
ajoaa-543	10	7	key	key	ADJ
ajoaa-543	10	8	informant	informant	NOUN
ajoaa-543	10	9	interviews	interview	NOUN
ajoaa-543	10	10	and	and	CCONJ
ajoaa-543	10	11	focus	focus	NOUN
ajoaa-543	10	12	group	group	NOUN
ajoaa-543	10	13	discussions	discussion	NOUN
ajoaa-543	10	14	were	be	AUX
ajoaa-543	10	15	used	use	VERB
ajoaa-543	10	16	in	in	ADP
ajoaa-543	10	17	gathering	gather	VERB
ajoaa-543	10	18	data	datum	NOUN
ajoaa-543	10	19	from	from	ADP
ajoaa-543	10	20	250	250	NUM
ajoaa-543	10	21	farmers	farmer	NOUN
ajoaa-543	10	22	in	in	ADP
ajoaa-543	10	23	5	5	NUM
ajoaa-543	10	24	districts	district	NOUN
ajoaa-543	10	25	of	of	ADP
ajoaa-543	10	26	upper	upper	ADJ
ajoaa-543	10	27	east	east	PROPN
ajoaa-543	10	28	region	region	NOUN
ajoaa-543	10	29	.	.	PUNCT
ajoaa-543	11	1	the	the	DET
ajoaa-543	11	2	logit	logit	PROPN
ajoaa-543	11	3	model	model	NOUN
ajoaa-543	11	4	was	be	AUX
ajoaa-543	11	5	used	use	VERB
ajoaa-543	11	6	to	to	PART
ajoaa-543	11	7	estimate	estimate	VERB
ajoaa-543	11	8	the	the	DET
ajoaa-543	11	9	determinants	determinant	NOUN
ajoaa-543	11	10	of	of	ADP
ajoaa-543	11	11	credit	credit	NOUN
ajoaa-543	11	12	demand	demand	NOUN
ajoaa-543	11	13	by	by	ADP
ajoaa-543	11	14	farmers	farmer	NOUN
ajoaa-543	11	15	and	and	CCONJ
ajoaa-543	11	16	the	the	DET
ajoaa-543	11	17	tobit	tobit	NOUN
ajoaa-543	11	18	model	model	NOUN
ajoaa-543	11	19	used	use	VERB
ajoaa-543	11	20	to	to	PART
ajoaa-543	11	21	estimate	estimate	VERB
ajoaa-543	11	22	the	the	DET
ajoaa-543	11	23	determinants	determinant	NOUN
ajoaa-543	11	24	of	of	ADP
ajoaa-543	11	25	credit	credit	NOUN
ajoaa-543	11	26	supply	supply	NOUN
ajoaa-543	11	27	by	by	ADP
ajoaa-543	11	28	rural	rural	ADJ
ajoaa-543	11	29	banks	bank	NOUN
ajoaa-543	11	30	.	.	PUNCT
ajoaa-543	12	1	the	the	DET
ajoaa-543	12	2	findings	finding	NOUN
ajoaa-543	12	3	showed	show	VERB
ajoaa-543	12	4	that	that	SCONJ
ajoaa-543	12	5	age	age	NOUN
ajoaa-543	12	6	of	of	ADP
ajoaa-543	12	7	farmers	farmer	NOUN
ajoaa-543	12	8	,	,	PUNCT
ajoaa-543	12	9	gender	gender	NOUN
ajoaa-543	12	10	and	and	CCONJ
ajoaa-543	12	11	political	political	ADJ
ajoaa-543	12	12	affiliations	affiliation	NOUN
ajoaa-543	12	13	among	among	ADP
ajoaa-543	12	14	others	other	NOUN
ajoaa-543	12	15	are	be	AUX
ajoaa-543	12	16	the	the	DET
ajoaa-543	12	17	main	main	ADJ
ajoaa-543	12	18	determinants	determinant	NOUN
ajoaa-543	12	19	of	of	ADP
ajoaa-543	12	20	credit	credit	NOUN
ajoaa-543	12	21	demand	demand	NOUN
ajoaa-543	12	22	by	by	ADP
ajoaa-543	12	23	farmers	farmer	NOUN
ajoaa-543	12	24	.	.	PUNCT
ajoaa-543	13	1	type	type	NOUN
ajoaa-543	13	2	of	of	ADP
ajoaa-543	13	3	crop	crop	NOUN
ajoaa-543	13	4	grown	grow	VERB
ajoaa-543	13	5	,	,	PUNCT
ajoaa-543	13	6	farm	farm	NOUN
ajoaa-543	13	7	size	size	NOUN
ajoaa-543	13	8	and	and	CCONJ
ajoaa-543	13	9	the	the	DET
ajoaa-543	13	10	amount	amount	NOUN
ajoaa-543	13	11	of	of	ADP
ajoaa-543	13	12	savings	saving	NOUN
ajoaa-543	13	13	made	make	VERB
ajoaa-543	13	14	are	be	AUX
ajoaa-543	13	15	some	some	DET
ajoaa-543	13	16	determinants	determinant	NOUN
ajoaa-543	13	17	of	of	ADP
ajoaa-543	13	18	credit	credit	NOUN
ajoaa-543	13	19	supply	supply	NOUN
ajoaa-543	13	20	by	by	ADP
ajoaa-543	13	21	the	the	DET
ajoaa-543	13	22	rural	rural	ADJ
ajoaa-543	13	23	banks	bank	NOUN
ajoaa-543	13	24	.	.	PUNCT
ajoaa-543	14	1	it	it	PRON
ajoaa-543	14	2	is	be	AUX
ajoaa-543	14	3	concluded	conclude	VERB
ajoaa-543	14	4	that	that	SCONJ
ajoaa-543	14	5	demand	demand	NOUN
ajoaa-543	14	6	for	for	ADP
ajoaa-543	14	7	credit	credit	NOUN
ajoaa-543	14	8	by	by	ADP
ajoaa-543	14	9	farmers	farmer	NOUN
ajoaa-543	14	10	and	and	CCONJ
ajoaa-543	14	11	supply	supply	NOUN
ajoaa-543	14	12	of	of	ADP
ajoaa-543	14	13	it	it	PRON
ajoaa-543	14	14	by	by	ADP
ajoaa-543	14	15	rural	rural	ADJ
ajoaa-543	14	16	banks	bank	NOUN
ajoaa-543	14	17	in	in	ADP
ajoaa-543	14	18	ghana‟s	ghana‟s	ADJ
ajoaa-543	14	19	upper	upper	PROPN
ajoaa-543	14	20	east	east	NOUN
ajoaa-543	14	21	region	region	NOUN
ajoaa-543	14	22	are	be	AUX
ajoaa-543	14	23	determined	determine	VERB
ajoaa-543	14	24	by	by	ADP
ajoaa-543	14	25	socioeconomic	socioeconomic	ADJ
ajoaa-543	14	26	and	and	CCONJ
ajoaa-543	14	27	politico	politico	ADJ
ajoaa-543	14	28	-	-	PUNCT
ajoaa-543	14	29	cultural	cultural	ADJ
ajoaa-543	14	30	factors	factor	NOUN
ajoaa-543	14	31	.	.	PUNCT
ajoaa-543	15	1	it	it	PRON
ajoaa-543	15	2	is	be	AUX
ajoaa-543	15	3	recommended	recommend	VERB
ajoaa-543	15	4	that	that	SCONJ
ajoaa-543	15	5	government	government	NOUN
ajoaa-543	15	6	;	;	PUNCT
ajoaa-543	15	7	the	the	DET
ajoaa-543	15	8	bank	bank	NOUN
ajoaa-543	15	9	of	of	ADP
ajoaa-543	15	10	ghana	ghana	PROPN
ajoaa-543	15	11	and	and	CCONJ
ajoaa-543	15	12	the	the	DET
ajoaa-543	15	13	rural	rural	ADJ
ajoaa-543	15	14	banks	bank	NOUN
ajoaa-543	15	15	themselves	themselves	PRON
ajoaa-543	15	16	should	should	AUX
ajoaa-543	15	17	develop	develop	VERB
ajoaa-543	15	18	strategies	strategy	NOUN
ajoaa-543	15	19	that	that	PRON
ajoaa-543	15	20	aim	aim	VERB
ajoaa-543	15	21	at	at	ADP
ajoaa-543	15	22	enhancing	enhance	VERB
ajoaa-543	15	23	the	the	DET
ajoaa-543	15	24	positive	positive	ADJ
ajoaa-543	15	25	determinants	determinant	NOUN
ajoaa-543	15	26	of	of	ADP
ajoaa-543	15	27	credit	credit	NOUN
ajoaa-543	15	28	demand	demand	NOUN
ajoaa-543	15	29	and	and	CCONJ
ajoaa-543	15	30	supply	supply	NOUN
ajoaa-543	15	31	and	and	CCONJ
ajoaa-543	15	32	mitigating	mitigate	VERB
ajoaa-543	15	33	the	the	DET
ajoaa-543	15	34	negative	negative	ADJ
ajoaa-543	15	35	ones	one	NOUN
ajoaa-543	15	36	to	to	PART
ajoaa-543	15	37	ensure	ensure	VERB
ajoaa-543	15	38	credit	credit	NOUN
ajoaa-543	15	39	widening	widening	NOUN
ajoaa-543	15	40	and	and	CCONJ
ajoaa-543	15	41	deepening	deepen	VERB
ajoaa-543	15	42	among	among	ADP
ajoaa-543	15	43	farmers	farmer	NOUN
ajoaa-543	15	44	.	.	PUNCT
ajoaa-543	16	1	keywords	keyword	NOUN
ajoaa-543	16	2	:	:	PUNCT
ajoaa-543	16	3	credit	credit	NOUN
ajoaa-543	16	4	,	,	PUNCT
ajoaa-543	16	5	farmers	farmer	NOUN
ajoaa-543	16	6	,	,	PUNCT
ajoaa-543	16	7	ghana	ghana	PROPN
ajoaa-543	16	8	,	,	PUNCT
ajoaa-543	16	9	logit	logit	PROPN
ajoaa-543	16	10	,	,	PUNCT
ajoaa-543	16	11	rural	rural	ADJ
ajoaa-543	16	12	banks	bank	NOUN
ajoaa-543	16	13	introduction	introduction	NOUN
ajoaa-543	16	14	credit	credit	NOUN
ajoaa-543	16	15	is	be	AUX
ajoaa-543	16	16	a	a	DET
ajoaa-543	16	17	major	major	ADJ
ajoaa-543	16	18	component	component	NOUN
ajoaa-543	16	19	of	of	ADP
ajoaa-543	16	20	agricultural	agricultural	ADJ
ajoaa-543	16	21	production	production	NOUN
ajoaa-543	16	22	and	and	CCONJ
ajoaa-543	16	23	access	access	NOUN
ajoaa-543	16	24	to	to	ADP
ajoaa-543	16	25	it	it	PRON
ajoaa-543	16	26	ensures	ensure	VERB
ajoaa-543	16	27	increased	increase	VERB
ajoaa-543	16	28	output	output	NOUN
ajoaa-543	16	29	and	and	CCONJ
ajoaa-543	16	30	food	food	NOUN
ajoaa-543	16	31	security	security	NOUN
ajoaa-543	16	32	(	(	PUNCT
ajoaa-543	16	33	diange	diange	NOUN
ajoaa-543	16	34	and	and	CCONJ
ajoaa-543	16	35	zeller	zeller	NOUN
ajoaa-543	16	36	,	,	PUNCT
ajoaa-543	16	37	2000	2000	NUM
ajoaa-543	16	38	;	;	PUNCT
ajoaa-543	16	39	duong	duong	PROPN
ajoaa-543	16	40	and	and	CCONJ
ajoaa-543	16	41	izumida	izumida	PROPN
ajoaa-543	16	42	,	,	PUNCT
ajoaa-543	16	43	2002	2002	NUM
ajoaa-543	16	44	)	)	PUNCT
ajoaa-543	16	45	.	.	PUNCT
ajoaa-543	17	1	in	in	ADP
ajoaa-543	17	2	developing	develop	VERB
ajoaa-543	17	3	countries	country	NOUN
ajoaa-543	17	4	,	,	PUNCT
ajoaa-543	17	5	lack	lack	NOUN
ajoaa-543	17	6	of	of	ADP
ajoaa-543	17	7	it	it	PRON
ajoaa-543	17	8	constitutes	constitute	VERB
ajoaa-543	17	9	a	a	DET
ajoaa-543	17	10	critical	critical	ADJ
ajoaa-543	17	11	constraint	constraint	NOUN
ajoaa-543	17	12	to	to	ADP
ajoaa-543	17	13	the	the	DET
ajoaa-543	17	14	adoption	adoption	NOUN
ajoaa-543	17	15	and	and	CCONJ
ajoaa-543	17	16	use	use	NOUN
ajoaa-543	17	17	of	of	ADP
ajoaa-543	17	18	improved	improved	ADJ
ajoaa-543	17	19	inputs	input	NOUN
ajoaa-543	17	20	and	and	CCONJ
ajoaa-543	17	21	modern	modern	ADJ
ajoaa-543	17	22	technologies	technology	NOUN
ajoaa-543	17	23	of	of	ADP
ajoaa-543	17	24	farming	farming	NOUN
ajoaa-543	17	25	(	(	PUNCT
ajoaa-543	17	26	akudugu	akudugu	ADV
ajoaa-543	17	27	,	,	PUNCT
ajoaa-543	17	28	et	et	PROPN
ajoaa-543	17	29	al	al	PROPN
ajoaa-543	17	30	.	.	PROPN
ajoaa-543	17	31	,	,	PUNCT
ajoaa-543	17	32	2012	2012	NUM
ajoaa-543	17	33	)	)	PUNCT
ajoaa-543	17	34	.	.	PUNCT
ajoaa-543	18	1	a	a	DET
ajoaa-543	18	2	small	small	ADJ
ajoaa-543	18	3	but	but	CCONJ
ajoaa-543	18	4	growing	grow	VERB
ajoaa-543	18	5	empirical	empirical	ADJ
ajoaa-543	18	6	literature	literature	NOUN
ajoaa-543	18	7	suggests	suggest	VERB
ajoaa-543	18	8	that	that	SCONJ
ajoaa-543	18	9	in	in	ADP
ajoaa-543	18	10	rural	rural	ADJ
ajoaa-543	18	11	areas	area	NOUN
ajoaa-543	18	12	of	of	ADP
ajoaa-543	18	13	developing	develop	VERB
ajoaa-543	18	14	countries	country	NOUN
ajoaa-543	18	15	,	,	PUNCT
ajoaa-543	18	16	credit	credit	NOUN
ajoaa-543	18	17	constraints	constraint	NOUN
ajoaa-543	18	18	have	have	VERB
ajoaa-543	18	19	significant	significant	ADJ
ajoaa-543	18	20	adverse	adverse	ADJ
ajoaa-543	18	21	effects	effect	NOUN
ajoaa-543	18	22	on	on	ADP
ajoaa-543	18	23	farm	farm	NOUN
ajoaa-543	18	24	output	output	NOUN
ajoaa-543	18	25	(	(	PUNCT
ajoaa-543	18	26	petrick	petrick	NOUN
ajoaa-543	18	27	,	,	PUNCT
ajoaa-543	18	28	2004	2004	NUM
ajoaa-543	18	29	)	)	PUNCT
ajoaa-543	18	30	,	,	PUNCT
ajoaa-543	18	31	farm	farm	NOUN
ajoaa-543	18	32	profit	profit	NOUN
ajoaa-543	18	33	(	(	PUNCT
ajoaa-543	18	34	foltz	foltz	NOUN
ajoaa-543	18	35	,	,	PUNCT
ajoaa-543	18	36	2004	2004	NUM
ajoaa-543	18	37	)	)	PUNCT
ajoaa-543	18	38	and	and	CCONJ
ajoaa-543	18	39	farm	farm	NOUN
ajoaa-543	18	40	investments	investment	NOUN
ajoaa-543	18	41	(	(	PUNCT
ajoaa-543	18	42	carter	carter	NOUN
ajoaa-543	18	43	and	and	CCONJ
ajoaa-543	18	44	olinto	olinto	ADP
ajoaa-543	18	45	,	,	PUNCT
ajoaa-543	18	46	2003	2003	NUM
ajoaa-543	18	47	)	)	PUNCT
ajoaa-543	18	48	.	.	PUNCT
ajoaa-543	19	1	lack	lack	NOUN
ajoaa-543	19	2	of	of	ADP
ajoaa-543	19	3	working	work	VERB
ajoaa-543	19	4	capital	capital	NOUN
ajoaa-543	19	5	and	and	CCONJ
ajoaa-543	19	6	low	low	ADJ
ajoaa-543	19	7	liquidity	liquidity	NOUN
ajoaa-543	19	8	limit	limit	NOUN
ajoaa-543	19	9	the	the	DET
ajoaa-543	19	10	ability	ability	NOUN
ajoaa-543	19	11	of	of	ADP
ajoaa-543	19	12	farmers	farmer	NOUN
ajoaa-543	19	13	to	to	PART
ajoaa-543	19	14	purchase	purchase	VERB
ajoaa-543	19	15	inputs	input	NOUN
ajoaa-543	19	16	that	that	PRON
ajoaa-543	19	17	enhance	enhance	VERB
ajoaa-543	19	18	productivity	productivity	NOUN
ajoaa-543	19	19	.	.	PUNCT
ajoaa-543	20	1	this	this	PRON
ajoaa-543	20	2	leads	lead	VERB
ajoaa-543	20	3	to	to	ADP
ajoaa-543	20	4	inadequate	inadequate	ADJ
ajoaa-543	20	5	use	use	NOUN
ajoaa-543	20	6	of	of	ADP
ajoaa-543	20	7	improved	improve	VERB
ajoaa-543	20	8	inputs	input	NOUN
ajoaa-543	20	9	such	such	ADJ
ajoaa-543	20	10	as	as	ADP
ajoaa-543	20	11	fertilizers	fertilizer	NOUN
ajoaa-543	20	12	,	,	PUNCT
ajoaa-543	20	13	pesticides	pesticide	NOUN
ajoaa-543	20	14	,	,	PUNCT
ajoaa-543	20	15	and	and	CCONJ
ajoaa-543	20	16	seeds	seed	NOUN
ajoaa-543	20	17	among	among	ADP
ajoaa-543	20	18	others	other	NOUN
ajoaa-543	20	19	(	(	PUNCT
ajoaa-543	20	20	nyoro	nyoro	NOUN
ajoaa-543	20	21	,	,	PUNCT
ajoaa-543	20	22	2002	2002	NUM
ajoaa-543	20	23	)	)	PUNCT
ajoaa-543	20	24	.	.	PUNCT
ajoaa-543	21	1	it	it	PRON
ajoaa-543	21	2	has	have	AUX
ajoaa-543	21	3	been	be	AUX
ajoaa-543	21	4	noted	note	VERB
ajoaa-543	21	5	that	that	SCONJ
ajoaa-543	21	6	the	the	DET
ajoaa-543	21	7	average	average	ADJ
ajoaa-543	21	8	production	production	NOUN
ajoaa-543	21	9	efficiency	efficiency	NOUN
ajoaa-543	21	10	levels	level	NOUN
ajoaa-543	21	11	of	of	ADP
ajoaa-543	21	12	producers	producer	NOUN
ajoaa-543	21	13	who	who	PRON
ajoaa-543	21	14	are	be	AUX
ajoaa-543	21	15	able	able	ADJ
ajoaa-543	21	16	to	to	PART
ajoaa-543	21	17	secure	secure	VERB
ajoaa-543	21	18	formal	formal	ADJ
ajoaa-543	21	19	credit	credit	NOUN
ajoaa-543	21	20	are	be	AUX
ajoaa-543	21	21	higher	high	ADJ
ajoaa-543	21	22	(	(	PUNCT
ajoaa-543	21	23	awudu	awudu	PROPN
ajoaa-543	21	24	and	and	CCONJ
ajoaa-543	21	25	richard	richard	PROPN
ajoaa-543	21	26	,	,	PUNCT
ajoaa-543	21	27	2001	2001	NUM
ajoaa-543	21	28	)	)	PUNCT
ajoaa-543	21	29	.	.	PUNCT
ajoaa-543	22	1	in	in	ADP
ajoaa-543	22	2	kenya	kenya	PROPN
ajoaa-543	22	3	for	for	ADP
ajoaa-543	22	4	example	example	NOUN
ajoaa-543	22	5	,	,	PUNCT
ajoaa-543	22	6	it	it	PRON
ajoaa-543	22	7	has	have	AUX
ajoaa-543	22	8	been	be	AUX
ajoaa-543	22	9	reported	report	VERB
ajoaa-543	22	10	that	that	SCONJ
ajoaa-543	22	11	access	access	NOUN
ajoaa-543	22	12	to	to	ADP
ajoaa-543	22	13	credit	credit	NOUN
ajoaa-543	22	14	has	have	AUX
ajoaa-543	22	15	resulted	result	VERB
ajoaa-543	22	16	to	to	ADP
ajoaa-543	22	17	higher	high	ADJ
ajoaa-543	22	18	technical	technical	ADJ
ajoaa-543	22	19	efficiency	efficiency	NOUN
ajoaa-543	22	20	of	of	ADP
ajoaa-543	22	21	maize	maize	NOUN
ajoaa-543	22	22	producers	producer	NOUN
ajoaa-543	22	23	(	(	PUNCT
ajoaa-543	22	24	kibaara	kibaara	PROPN
ajoaa-543	22	25	,	,	PUNCT
ajoaa-543	22	26	2005	2005	NUM
ajoaa-543	22	27	)	)	PUNCT
ajoaa-543	22	28	.	.	PUNCT
ajoaa-543	23	1	the	the	DET
ajoaa-543	23	2	impact	impact	NOUN
ajoaa-543	23	3	of	of	ADP
ajoaa-543	23	4	credit	credit	NOUN
ajoaa-543	23	5	access	access	NOUN
ajoaa-543	23	6	in	in	ADP
ajoaa-543	23	7	facilitating	facilitate	VERB
ajoaa-543	23	8	agricultural	agricultural	ADJ
ajoaa-543	23	9	production	production	NOUN
ajoaa-543	23	10	and	and	CCONJ
ajoaa-543	23	11	economic	economic	ADJ
ajoaa-543	23	12	growth	growth	NOUN
ajoaa-543	23	13	is	be	AUX
ajoaa-543	23	14	only	only	ADV
ajoaa-543	23	15	possible	possible	ADJ
ajoaa-543	23	16	provided	provide	VERB
ajoaa-543	23	17	the	the	DET
ajoaa-543	23	18	capital	capital	NOUN
ajoaa-543	23	19	is	be	AUX
ajoaa-543	23	20	used	use	VERB
ajoaa-543	23	21	efficiently	efficiently	ADV
ajoaa-543	23	22	(	(	PUNCT
ajoaa-543	23	23	yunus	yunus	PROPN
ajoaa-543	23	24	and	and	CCONJ
ajoaa-543	23	25	alan	alan	PROPN
ajoaa-543	23	26	,	,	PUNCT
ajoaa-543	23	27	2003	2003	NUM
ajoaa-543	23	28	)	)	PUNCT
ajoaa-543	23	29	.	.	PUNCT
ajoaa-543	24	1	lack	lack	NOUN
ajoaa-543	24	2	or	or	CCONJ
ajoaa-543	24	3	inadequate	inadequate	ADJ
ajoaa-543	24	4	access	access	NOUN
ajoaa-543	24	5	to	to	ADP
ajoaa-543	24	6	credit	credit	NOUN
ajoaa-543	24	7	(	(	PUNCT
ajoaa-543	24	8	capital	capital	NOUN
ajoaa-543	24	9	constraints	constraint	NOUN
ajoaa-543	24	10	)	)	PUNCT
ajoaa-543	24	11	is	be	AUX
ajoaa-543	24	12	a	a	DET
ajoaa-543	24	13	crucial	crucial	ADJ
ajoaa-543	24	14	militating	militating	ADJ
ajoaa-543	24	15	factor	factor	NOUN
ajoaa-543	24	16	against	against	ADP
ajoaa-543	24	17	farmers	farmer	NOUN
ajoaa-543	24	18	in	in	ADP
ajoaa-543	24	19	financing	finance	VERB
ajoaa-543	24	20	their	their	PRON
ajoaa-543	24	21	farm	farm	NOUN
ajoaa-543	24	22	operations	operation	NOUN
ajoaa-543	24	23	and	and	CCONJ
ajoaa-543	24	24	is	be	AUX
ajoaa-543	24	25	one	one	NUM
ajoaa-543	24	26	of	of	ADP
ajoaa-543	24	27	the	the	DET
ajoaa-543	24	28	major	major	ADJ
ajoaa-543	24	29	underlying	underlying	ADJ
ajoaa-543	24	30	factors	factor	NOUN
ajoaa-543	24	31	of	of	ADP
ajoaa-543	24	32	low	low	ADJ
ajoaa-543	24	33	agricultural	agricultural	ADJ
ajoaa-543	24	34	productivity	productivity	NOUN
ajoaa-543	24	35	in	in	ADP
ajoaa-543	24	36	ghana	ghana	PROPN
ajoaa-543	24	37	(	(	PUNCT
ajoaa-543	24	38	naninutako	naninutako	PROPN
ajoaa-543	24	39	,	,	PUNCT
ajoaa-543	24	40	1998	1998	NUM
ajoaa-543	24	41	)	)	PUNCT
ajoaa-543	24	42	.	.	PUNCT
ajoaa-543	25	1	there	there	PRON
ajoaa-543	25	2	is	be	VERB
ajoaa-543	25	3	evidence	evidence	NOUN
ajoaa-543	25	4	in	in	ADP
ajoaa-543	25	5	latin	latin	PROPN
ajoaa-543	25	6	america	america	PROPN
ajoaa-543	25	7	,	,	PUNCT
ajoaa-543	25	8	for	for	SCONJ
ajoaa-543	25	9	instance	instance	NOUN
ajoaa-543	25	10	,	,	PUNCT
ajoaa-543	25	11	of	of	ADP
ajoaa-543	25	12	the	the	DET
ajoaa-543	25	13	prevalence	prevalence	NOUN
ajoaa-543	25	14	of	of	ADP
ajoaa-543	25	15	credit	credit	NOUN
ajoaa-543	25	16	constraints	constraint	NOUN
ajoaa-543	25	17	and	and	CCONJ
ajoaa-543	25	18	their	their	PRON
ajoaa-543	25	19	impacts	impact	NOUN
ajoaa-543	25	20	on	on	ADP
ajoaa-543	25	21	farm	farm	NOUN
ajoaa-543	25	22	efficiency	efficiency	NOUN
ajoaa-543	25	23	as	as	ADP
ajoaa-543	25	24	pressure	pressure	NOUN
ajoaa-543	25	25	to	to	PART
ajoaa-543	25	26	relax	relax	VERB
ajoaa-543	25	27	or	or	CCONJ
ajoaa-543	25	28	overturn	overturn	VERB
ajoaa-543	25	29	the	the	DET
ajoaa-543	25	30	financial	financial	ADJ
ajoaa-543	25	31	liberalization	liberalization	NOUN
ajoaa-543	25	32	policies	policy	NOUN
ajoaa-543	25	33	widely	widely	ADV
ajoaa-543	25	34	implemented	implement	VERB
ajoaa-543	25	35	in	in	ADP
ajoaa-543	25	36	the	the	DET
ajoaa-543	25	37	past	past	ADJ
ajoaa-543	25	38	two	two	NUM
ajoaa-543	25	39	decades	decade	NOUN
ajoaa-543	25	40	rises	rise	NOUN
ajoaa-543	25	41	(	(	PUNCT
ajoaa-543	25	42	guirkinger	guirkinger	NOUN
ajoaa-543	25	43	et	et	PROPN
ajoaa-543	25	44	al	al	PROPN
ajoaa-543	25	45	.	.	PROPN
ajoaa-543	25	46	,	,	PUNCT
ajoaa-543	25	47	2007	2007	NUM
ajoaa-543	25	48	)	)	PUNCT
ajoaa-543	25	49	.	.	PUNCT
ajoaa-543	26	1	access	access	NOUN
ajoaa-543	26	2	to	to	ADP
ajoaa-543	26	3	capital	capital	NOUN
ajoaa-543	26	4	in	in	ADP
ajoaa-543	26	5	general	general	ADJ
ajoaa-543	26	6	and	and	CCONJ
ajoaa-543	26	7	credit	credit	NOUN
ajoaa-543	26	8	in	in	ADP
ajoaa-543	26	9	particular	particular	ADJ
ajoaa-543	26	10	,	,	PUNCT
ajoaa-543	26	11	is	be	AUX
ajoaa-543	26	12	crucial	crucial	ADJ
ajoaa-543	26	13	for	for	ADP
ajoaa-543	26	14	increased	increase	VERB
ajoaa-543	26	15	agricultural	agricultural	ADJ
ajoaa-543	26	16	production	production	NOUN
ajoaa-543	26	17	and	and	CCONJ
ajoaa-543	26	18	improvement	improvement	NOUN
ajoaa-543	26	19	in	in	ADP
ajoaa-543	26	20	livelihoods	livelihood	NOUN
ajoaa-543	26	21	.	.	PUNCT
ajoaa-543	27	1	it	it	PRON
ajoaa-543	27	2	is	be	AUX
ajoaa-543	27	3	expected	expect	VERB
ajoaa-543	27	4	that	that	SCONJ
ajoaa-543	27	5	access	access	NOUN
ajoaa-543	27	6	to	to	ADP
ajoaa-543	27	7	credit	credit	NOUN
ajoaa-543	27	8	will	will	AUX
ajoaa-543	27	9	give	give	VERB
ajoaa-543	27	10	beneficiaries	beneficiary	NOUN
ajoaa-543	27	11	the	the	DET
ajoaa-543	27	12	chance	chance	NOUN
ajoaa-543	27	13	to	to	PART
ajoaa-543	27	14	expand	expand	VERB
ajoaa-543	27	15	their	their	PRON
ajoaa-543	27	16	production	production	NOUN
ajoaa-543	27	17	ventures	venture	NOUN
ajoaa-543	27	18	thereby	thereby	ADV
ajoaa-543	27	19	taking	take	VERB
ajoaa-543	27	20	the	the	DET
ajoaa-543	27	21	responsibility	responsibility	NOUN
ajoaa-543	27	22	of	of	ADP
ajoaa-543	27	23	establishing	establish	VERB
ajoaa-543	27	24	self	self	NOUN
ajoaa-543	27	25	-	-	PUNCT
ajoaa-543	27	26	dignity	dignity	NOUN
ajoaa-543	27	27	and	and	CCONJ
ajoaa-543	27	28	integrity	integrity	NOUN
ajoaa-543	27	29	.	.	PUNCT
ajoaa-543	28	1	despite	despite	SCONJ
ajoaa-543	28	2	the	the	DET
ajoaa-543	28	3	numerous	numerous	ADJ
ajoaa-543	28	4	positive	positive	ADJ
ajoaa-543	28	5	impacts	impact	NOUN
ajoaa-543	28	6	of	of	ADP
ajoaa-543	28	7	credit	credit	NOUN
ajoaa-543	28	8	on	on	ADP
ajoaa-543	28	9	agricultural	agricultural	ADJ
ajoaa-543	28	10	production	production	NOUN
ajoaa-543	28	11	,	,	PUNCT
ajoaa-543	28	12	empirical	empirical	ADJ
ajoaa-543	28	13	studies	study	NOUN
ajoaa-543	28	14	reveal	reveal	VERB
ajoaa-543	28	15	that	that	SCONJ
ajoaa-543	28	16	several	several	ADJ
ajoaa-543	28	17	factors	factor	NOUN
ajoaa-543	28	18	limit	limit	VERB
ajoaa-543	28	19	access	access	NOUN
ajoaa-543	28	20	to	to	ADP
ajoaa-543	28	21	it	it	PRON
ajoaa-543	28	22	(	(	PUNCT
ajoaa-543	28	23	examples	example	NOUN
ajoaa-543	28	24	include	include	VERB
ajoaa-543	28	25	crook	crook	NOUN
ajoaa-543	28	26	,	,	PUNCT
ajoaa-543	28	27	2001	2001	NUM
ajoaa-543	28	28	;	;	PUNCT
ajoaa-543	28	29	magri	magri	NOUN
ajoaa-543	28	30	,	,	PUNCT
ajoaa-543	28	31	2002	2002	NUM
ajoaa-543	28	32	;	;	PUNCT
ajoaa-543	28	33	thaicharoen	thaicharoen	NOUN
ajoaa-543	28	34	et	et	PROPN
ajoaa-543	28	35	al	al	PROPN
ajoaa-543	28	36	.	.	PROPN
ajoaa-543	28	37	,	,	PUNCT
ajoaa-543	28	38	2004	2004	NUM
ajoaa-543	28	39	;	;	PUNCT
ajoaa-543	28	40	crook	crook	NOUN
ajoaa-543	28	41	and	and	CCONJ
ajoaa-543	28	42	hochguertel	hochguertel	NOUN
ajoaa-543	28	43	,	,	PUNCT
ajoaa-543	28	44	2005	2005	NUM
ajoaa-543	28	45	;	;	PUNCT
ajoaa-543	28	46	del	del	PROPN
ajoaa-543	28	47	-	-	PUNCT
ajoaa-543	28	48	rio	rio	NOUN
ajoaa-543	28	49	and	and	CCONJ
ajoaa-543	28	50	young	young	ADJ
ajoaa-543	28	51	,	,	PUNCT
ajoaa-543	28	52	2005	2005	NUM
ajoaa-543	28	53	;	;	PUNCT
ajoaa-543	28	54	akudugu	akudugu	ADP
ajoaa-543	28	55	et	et	PROPN
ajoaa-543	28	56	al	al	PROPN
ajoaa-543	28	57	.	.	PROPN
ajoaa-543	28	58	2009a	2009a	NUM
ajoaa-543	28	59	;	;	PUNCT
ajoaa-543	28	60	2009b	2009b	NUM
ajoaa-543	28	61	)	)	PUNCT
ajoaa-543	28	62	.	.	PUNCT
ajoaa-543	29	1	mailto:macmoudan@yahoo.com%20abungah@gmail.com	mailto:macmoudan@yahoo.com%20abungah@gmail.com	X
ajoaa-543	29	2	mailto:macmoudan@yahoo.com%20abungah@gmail.com	mailto:macmoudan@yahoo.com%20abungah@gmail.com	X
ajoaa-543	29	3	mailto:a.m.akudugu@pgr.reading.ac.uk	mailto:a.m.akudugu@pgr.reading.ac.uk	PROPN
ajoaa-543	29	4	asian	asian	PROPN
ajoaa-543	29	5	journal	journal	PROPN
ajoaa-543	29	6	of	of	ADP
ajoaa-543	29	7	agriculture	agriculture	NOUN
ajoaa-543	29	8	and	and	CCONJ
ajoaa-543	29	9	rural	rural	ADJ
ajoaa-543	29	10	development	development	NOUN
ajoaa-543	29	11	,	,	PUNCT
ajoaa-543	29	12	2(2	2(2	NUM
ajoaa-543	29	13	)	)	PUNCT
ajoaa-543	29	14	,	,	PUNCT
ajoaa-543	30	1	pp	pp	ADP
ajoaa-543	30	2	.	.	PUNCT
ajoaa-543	31	1	189	189	NUM
ajoaa-543	31	2	-	-	SYM
ajoaa-543	31	3	200	200	NUM
ajoaa-543	31	4	190	190	NUM
ajoaa-543	31	5	to	to	PART
ajoaa-543	31	6	be	be	AUX
ajoaa-543	31	7	able	able	ADJ
ajoaa-543	31	8	to	to	PART
ajoaa-543	31	9	devise	devise	VERB
ajoaa-543	31	10	strategies	strategy	NOUN
ajoaa-543	31	11	to	to	PART
ajoaa-543	31	12	enhance	enhance	VERB
ajoaa-543	31	13	farmers‟	farmers‟	NOUN
ajoaa-543	31	14	access	access	NOUN
ajoaa-543	31	15	to	to	ADP
ajoaa-543	31	16	credit	credit	NOUN
ajoaa-543	31	17	for	for	ADP
ajoaa-543	31	18	their	their	PRON
ajoaa-543	31	19	farming	farming	NOUN
ajoaa-543	31	20	activities	activity	NOUN
ajoaa-543	31	21	,	,	PUNCT
ajoaa-543	31	22	there	there	PRON
ajoaa-543	31	23	is	be	VERB
ajoaa-543	31	24	the	the	DET
ajoaa-543	31	25	need	need	NOUN
ajoaa-543	31	26	to	to	PART
ajoaa-543	31	27	identify	identify	VERB
ajoaa-543	31	28	and	and	CCONJ
ajoaa-543	31	29	describe	describe	VERB
ajoaa-543	31	30	the	the	DET
ajoaa-543	31	31	determinants	determinant	NOUN
ajoaa-543	31	32	of	of	ADP
ajoaa-543	31	33	their	their	PRON
ajoaa-543	31	34	credit	credit	NOUN
ajoaa-543	31	35	demand	demand	NOUN
ajoaa-543	31	36	and	and	CCONJ
ajoaa-543	31	37	the	the	DET
ajoaa-543	31	38	supply	supply	NOUN
ajoaa-543	31	39	of	of	ADP
ajoaa-543	31	40	credit	credit	NOUN
ajoaa-543	31	41	by	by	ADP
ajoaa-543	31	42	formal	formal	ADJ
ajoaa-543	31	43	financial	financial	ADJ
ajoaa-543	31	44	institutions	institution	NOUN
ajoaa-543	31	45	such	such	ADJ
ajoaa-543	31	46	as	as	ADP
ajoaa-543	31	47	rural	rural	ADJ
ajoaa-543	31	48	banks	bank	NOUN
ajoaa-543	31	49	,	,	PUNCT
ajoaa-543	31	50	particularly	particularly	ADV
ajoaa-543	31	51	in	in	ADP
ajoaa-543	31	52	ghana‟s	ghana‟s	ADJ
ajoaa-543	31	53	upper	upper	PROPN
ajoaa-543	31	54	east	east	NOUN
ajoaa-543	31	55	region	region	NOUN
ajoaa-543	31	56	.	.	PUNCT
ajoaa-543	32	1	the	the	DET
ajoaa-543	32	2	essence	essence	NOUN
ajoaa-543	32	3	is	be	AUX
ajoaa-543	32	4	that	that	SCONJ
ajoaa-543	32	5	knowing	know	VERB
ajoaa-543	32	6	the	the	DET
ajoaa-543	32	7	factors	factor	NOUN
ajoaa-543	32	8	that	that	PRON
ajoaa-543	32	9	influence	influence	VERB
ajoaa-543	32	10	farmers‟	farmers‟	NOUN
ajoaa-543	32	11	credit	credit	NOUN
ajoaa-543	32	12	demand	demand	NOUN
ajoaa-543	32	13	and	and	CCONJ
ajoaa-543	32	14	the	the	DET
ajoaa-543	32	15	supply	supply	NOUN
ajoaa-543	32	16	of	of	ADP
ajoaa-543	32	17	it	it	PRON
ajoaa-543	32	18	by	by	ADP
ajoaa-543	32	19	rural	rural	ADJ
ajoaa-543	32	20	banks	bank	NOUN
ajoaa-543	32	21	will	will	AUX
ajoaa-543	32	22	help	help	VERB
ajoaa-543	32	23	decision	decision	NOUN
ajoaa-543	32	24	makers	maker	NOUN
ajoaa-543	32	25	and	and	CCONJ
ajoaa-543	32	26	implementers	implementer	NOUN
ajoaa-543	32	27	formulate	formulate	VERB
ajoaa-543	32	28	policies	policy	NOUN
ajoaa-543	32	29	that	that	PRON
ajoaa-543	32	30	will	will	AUX
ajoaa-543	32	31	take	take	VERB
ajoaa-543	32	32	advantage	advantage	NOUN
ajoaa-543	32	33	of	of	ADP
ajoaa-543	32	34	the	the	DET
ajoaa-543	32	35	positive	positive	ADJ
ajoaa-543	32	36	factors	factor	NOUN
ajoaa-543	32	37	and	and	CCONJ
ajoaa-543	32	38	mitigate	mitigate	VERB
ajoaa-543	32	39	the	the	DET
ajoaa-543	32	40	negative	negative	ADJ
ajoaa-543	32	41	ones	one	NOUN
ajoaa-543	32	42	.	.	PUNCT
ajoaa-543	33	1	the	the	DET
ajoaa-543	33	2	findings	finding	NOUN
ajoaa-543	33	3	of	of	ADP
ajoaa-543	33	4	this	this	DET
ajoaa-543	33	5	paper	paper	NOUN
ajoaa-543	33	6	constitute	constitute	VERB
ajoaa-543	33	7	a	a	DET
ajoaa-543	33	8	critical	critical	ADJ
ajoaa-543	33	9	input	input	NOUN
ajoaa-543	33	10	for	for	ADP
ajoaa-543	33	11	the	the	DET
ajoaa-543	33	12	formulation	formulation	NOUN
ajoaa-543	33	13	of	of	ADP
ajoaa-543	33	14	credit	credit	NOUN
ajoaa-543	33	15	delivery	delivery	NOUN
ajoaa-543	33	16	strategies	strategy	NOUN
ajoaa-543	33	17	that	that	PRON
ajoaa-543	33	18	are	be	AUX
ajoaa-543	33	19	socially	socially	ADV
ajoaa-543	33	20	acceptable	acceptable	ADJ
ajoaa-543	33	21	,	,	PUNCT
ajoaa-543	33	22	culturally	culturally	ADV
ajoaa-543	33	23	agreeable	agreeable	ADJ
ajoaa-543	33	24	,	,	PUNCT
ajoaa-543	33	25	economically	economically	ADV
ajoaa-543	33	26	viable	viable	ADJ
ajoaa-543	33	27	,	,	PUNCT
ajoaa-543	33	28	politically	politically	ADV
ajoaa-543	33	29	neutral	neutral	ADJ
ajoaa-543	33	30	,	,	PUNCT
ajoaa-543	33	31	gender	gender	NOUN
ajoaa-543	33	32	sensitive	sensitive	ADJ
ajoaa-543	33	33	and	and	CCONJ
ajoaa-543	33	34	environmentally	environmentally	ADV
ajoaa-543	33	35	sustainable	sustainable	ADJ
ajoaa-543	33	36	to	to	ADP
ajoaa-543	33	37	both	both	DET
ajoaa-543	33	38	farmers	farmer	NOUN
ajoaa-543	33	39	as	as	ADV
ajoaa-543	33	40	well	well	ADV
ajoaa-543	33	41	as	as	ADP
ajoaa-543	33	42	other	other	ADJ
ajoaa-543	33	43	marginalized	marginalize	VERB
ajoaa-543	33	44	groups	group	NOUN
ajoaa-543	33	45	and	and	CCONJ
ajoaa-543	33	46	the	the	DET
ajoaa-543	33	47	rural	rural	ADJ
ajoaa-543	33	48	banks	bank	NOUN
ajoaa-543	33	49	.	.	PUNCT
ajoaa-543	34	1	the	the	DET
ajoaa-543	34	2	focus	focus	NOUN
ajoaa-543	34	3	on	on	ADP
ajoaa-543	34	4	the	the	DET
ajoaa-543	34	5	rural	rural	ADJ
ajoaa-543	34	6	banks	bank	NOUN
ajoaa-543	34	7	is	be	AUX
ajoaa-543	34	8	as	as	ADP
ajoaa-543	34	9	a	a	DET
ajoaa-543	34	10	result	result	NOUN
ajoaa-543	34	11	of	of	ADP
ajoaa-543	34	12	the	the	DET
ajoaa-543	34	13	fact	fact	NOUN
ajoaa-543	34	14	that	that	SCONJ
ajoaa-543	34	15	,	,	PUNCT
ajoaa-543	34	16	in	in	ADP
ajoaa-543	34	17	ghana	ghana	PROPN
ajoaa-543	34	18	,	,	PUNCT
ajoaa-543	34	19	rural	rural	ADJ
ajoaa-543	34	20	banks	bank	NOUN
ajoaa-543	34	21	have	have	AUX
ajoaa-543	34	22	the	the	DET
ajoaa-543	34	23	mandate	mandate	NOUN
ajoaa-543	34	24	of	of	ADP
ajoaa-543	34	25	providing	provide	VERB
ajoaa-543	34	26	financial	financial	ADJ
ajoaa-543	34	27	services	service	NOUN
ajoaa-543	34	28	,	,	PUNCT
ajoaa-543	34	29	particularly	particularly	ADV
ajoaa-543	34	30	credit	credit	NOUN
ajoaa-543	34	31	to	to	ADP
ajoaa-543	34	32	rural	rural	ADJ
ajoaa-543	34	33	dwellers	dweller	NOUN
ajoaa-543	34	34	most	most	ADJ
ajoaa-543	34	35	of	of	ADP
ajoaa-543	34	36	who	who	PRON
ajoaa-543	34	37	are	be	AUX
ajoaa-543	34	38	farmers	farmer	NOUN
ajoaa-543	34	39	.	.	PUNCT
ajoaa-543	35	1	as	as	ADP
ajoaa-543	35	2	such	such	ADJ
ajoaa-543	35	3	,	,	PUNCT
ajoaa-543	35	4	this	this	DET
ajoaa-543	35	5	paper	paper	NOUN
ajoaa-543	35	6	estimates	estimate	VERB
ajoaa-543	35	7	the	the	DET
ajoaa-543	35	8	determinants	determinant	NOUN
ajoaa-543	35	9	of	of	ADP
ajoaa-543	35	10	credit	credit	NOUN
ajoaa-543	35	11	demand	demand	NOUN
ajoaa-543	35	12	by	by	ADP
ajoaa-543	35	13	farmers	farmer	NOUN
ajoaa-543	35	14	and	and	CCONJ
ajoaa-543	35	15	the	the	DET
ajoaa-543	35	16	supply	supply	NOUN
ajoaa-543	35	17	of	of	ADP
ajoaa-543	35	18	it	it	PRON
ajoaa-543	35	19	by	by	ADP
ajoaa-543	35	20	rural	rural	ADJ
ajoaa-543	35	21	banks	bank	NOUN
ajoaa-543	35	22	in	in	ADP
ajoaa-543	35	23	the	the	DET
ajoaa-543	35	24	upper	upper	PROPN
ajoaa-543	35	25	east	east	PROPN
ajoaa-543	35	26	region	region	NOUN
ajoaa-543	35	27	of	of	ADP
ajoaa-543	35	28	ghana	ghana	PROPN
ajoaa-543	35	29	.	.	PUNCT
ajoaa-543	36	1	methodology	methodology	VERB
ajoaa-543	36	2	the	the	DET
ajoaa-543	36	3	study	study	NOUN
ajoaa-543	36	4	area	area	NOUN
ajoaa-543	36	5	carved	carve	VERB
ajoaa-543	36	6	out	out	ADP
ajoaa-543	36	7	of	of	ADP
ajoaa-543	36	8	the	the	DET
ajoaa-543	36	9	former	former	ADJ
ajoaa-543	36	10	upper	upper	ADJ
ajoaa-543	36	11	region	region	NOUN
ajoaa-543	36	12	on	on	ADP
ajoaa-543	36	13	1	1	NUM
ajoaa-543	36	14	st	st	PROPN
ajoaa-543	36	15	april	april	PROPN
ajoaa-543	36	16	,	,	PUNCT
ajoaa-543	36	17	1983	1983	NUM
ajoaa-543	36	18	,	,	PUNCT
ajoaa-543	36	19	the	the	DET
ajoaa-543	36	20	upper	upper	PROPN
ajoaa-543	36	21	east	east	PROPN
ajoaa-543	36	22	region	region	PROPN
ajoaa-543	36	23	covers	cover	VERB
ajoaa-543	36	24	a	a	DET
ajoaa-543	36	25	total	total	ADJ
ajoaa-543	36	26	land	land	NOUN
ajoaa-543	36	27	area	area	NOUN
ajoaa-543	36	28	of	of	ADP
ajoaa-543	36	29	8,848	8,848	NUM
ajoaa-543	36	30	square	square	ADJ
ajoaa-543	36	31	kilometres	kilometre	NOUN
ajoaa-543	36	32	(	(	PUNCT
ajoaa-543	36	33	km	km	NOUN
ajoaa-543	36	34	2	2	NUM
ajoaa-543	36	35	)	)	PUNCT
ajoaa-543	36	36	which	which	PRON
ajoaa-543	36	37	is	be	AUX
ajoaa-543	36	38	about	about	ADV
ajoaa-543	36	39	three	three	NUM
ajoaa-543	36	40	per	per	ADP
ajoaa-543	36	41	cent	cent	NOUN
ajoaa-543	36	42	(	(	PUNCT
ajoaa-543	36	43	3	3	NUM
ajoaa-543	36	44	%	%	NOUN
ajoaa-543	36	45	)	)	PUNCT
ajoaa-543	36	46	of	of	ADP
ajoaa-543	36	47	ghana‟s	ghana‟s	ADJ
ajoaa-543	36	48	land	land	NOUN
ajoaa-543	36	49	area	area	NOUN
ajoaa-543	36	50	and	and	CCONJ
ajoaa-543	36	51	has	have	VERB
ajoaa-543	36	52	its	its	PRON
ajoaa-543	36	53	capital	capital	NOUN
ajoaa-543	36	54	at	at	ADP
ajoaa-543	36	55	bolgatanga	bolgatanga	NOUN
ajoaa-543	36	56	(	(	PUNCT
ajoaa-543	36	57	asiseh	asiseh	PROPN
ajoaa-543	36	58	,	,	PUNCT
ajoaa-543	36	59	2000	2000	NUM
ajoaa-543	36	60	)	)	PUNCT
ajoaa-543	36	61	.	.	PUNCT
ajoaa-543	37	1	the	the	DET
ajoaa-543	37	2	region	region	NOUN
ajoaa-543	37	3	is	be	AUX
ajoaa-543	37	4	situated	situate	VERB
ajoaa-543	37	5	in	in	ADP
ajoaa-543	37	6	the	the	DET
ajoaa-543	37	7	north	north	NOUN
ajoaa-543	37	8	-	-	PUNCT
ajoaa-543	37	9	eastern	eastern	ADJ
ajoaa-543	37	10	corner	corner	NOUN
ajoaa-543	37	11	of	of	ADP
ajoaa-543	37	12	ghana	ghana	PROPN
ajoaa-543	37	13	.	.	PUNCT
ajoaa-543	38	1	it	it	PRON
ajoaa-543	38	2	lies	lie	VERB
ajoaa-543	38	3	within	within	ADP
ajoaa-543	38	4	10	10	NUM
ajoaa-543	38	5	0	0	NUM
ajoaa-543	38	6	45	45	NUM
ajoaa-543	38	7	1	1	NUM
ajoaa-543	38	8	n	n	NOUN
ajoaa-543	38	9	and	and	CCONJ
ajoaa-543	38	10	0	0	NUM
ajoaa-543	38	11	0	0	NUM
ajoaa-543	38	12	45	45	NUM
ajoaa-543	38	13	1	1	NUM
ajoaa-543	38	14	w.	w.	NOUN
ajoaa-543	38	15	it	it	PRON
ajoaa-543	38	16	is	be	AUX
ajoaa-543	38	17	bordered	border	VERB
ajoaa-543	38	18	to	to	ADP
ajoaa-543	38	19	the	the	DET
ajoaa-543	38	20	north	north	NOUN
ajoaa-543	38	21	by	by	ADP
ajoaa-543	38	22	burkina	burkina	PROPN
ajoaa-543	38	23	faso	faso	PROPN
ajoaa-543	38	24	,	,	PUNCT
ajoaa-543	38	25	to	to	ADP
ajoaa-543	38	26	the	the	DET
ajoaa-543	38	27	east	east	NOUN
ajoaa-543	38	28	by	by	ADP
ajoaa-543	38	29	the	the	DET
ajoaa-543	38	30	republic	republic	NOUN
ajoaa-543	38	31	of	of	ADP
ajoaa-543	38	32	togo	togo	PROPN
ajoaa-543	38	33	,	,	PUNCT
ajoaa-543	38	34	to	to	ADP
ajoaa-543	38	35	the	the	DET
ajoaa-543	38	36	south	south	NOUN
ajoaa-543	38	37	by	by	ADP
ajoaa-543	38	38	the	the	DET
ajoaa-543	38	39	northern	northern	ADJ
ajoaa-543	38	40	region	region	NOUN
ajoaa-543	38	41	and	and	CCONJ
ajoaa-543	38	42	to	to	ADP
ajoaa-543	38	43	the	the	DET
ajoaa-543	38	44	west	west	NOUN
ajoaa-543	38	45	by	by	ADP
ajoaa-543	38	46	the	the	DET
ajoaa-543	38	47	upper	upper	ADJ
ajoaa-543	38	48	west	west	PROPN
ajoaa-543	38	49	region	region	NOUN
ajoaa-543	38	50	.	.	PUNCT
ajoaa-543	39	1	this	this	PRON
ajoaa-543	39	2	means	mean	VERB
ajoaa-543	39	3	the	the	DET
ajoaa-543	39	4	upper	upper	PROPN
ajoaa-543	39	5	east	east	PROPN
ajoaa-543	39	6	region	region	NOUN
ajoaa-543	39	7	is	be	AUX
ajoaa-543	39	8	strategically	strategically	ADV
ajoaa-543	39	9	located	locate	VERB
ajoaa-543	39	10	because	because	SCONJ
ajoaa-543	39	11	it	it	PRON
ajoaa-543	39	12	provides	provide	VERB
ajoaa-543	39	13	access	access	NOUN
ajoaa-543	39	14	to	to	ADP
ajoaa-543	39	15	the	the	DET
ajoaa-543	39	16	land	land	NOUN
ajoaa-543	39	17	locked	lock	VERB
ajoaa-543	39	18	sahel	sahel	PROPN
ajoaa-543	39	19	countries	country	NOUN
ajoaa-543	39	20	such	such	ADJ
ajoaa-543	39	21	as	as	ADP
ajoaa-543	39	22	burkina	burkina	PROPN
ajoaa-543	39	23	faso	faso	PROPN
ajoaa-543	39	24	,	,	PUNCT
ajoaa-543	39	25	mali	mali	PROPN
ajoaa-543	39	26	,	,	PUNCT
ajoaa-543	39	27	benin	benin	PROPN
ajoaa-543	39	28	and	and	CCONJ
ajoaa-543	39	29	niger	niger	NOUN
ajoaa-543	39	30	as	as	ADV
ajoaa-543	39	31	well	well	ADV
ajoaa-543	39	32	as	as	ADP
ajoaa-543	39	33	northern	northern	ADJ
ajoaa-543	39	34	togo	togo	PROPN
ajoaa-543	39	35	.	.	PUNCT
ajoaa-543	40	1	the	the	DET
ajoaa-543	40	2	region	region	NOUN
ajoaa-543	40	3	is	be	AUX
ajoaa-543	40	4	divided	divide	VERB
ajoaa-543	40	5	into	into	ADP
ajoaa-543	40	6	nine	nine	NUM
ajoaa-543	40	7	(	(	PUNCT
ajoaa-543	40	8	9	9	NUM
ajoaa-543	40	9	)	)	PUNCT
ajoaa-543	40	10	administrative	administrative	ADJ
ajoaa-543	40	11	areas	area	NOUN
ajoaa-543	40	12	comprising	comprise	VERB
ajoaa-543	40	13	seven	seven	NUM
ajoaa-543	40	14	districts	district	NOUN
ajoaa-543	40	15	and	and	CCONJ
ajoaa-543	40	16	two	two	NUM
ajoaa-543	40	17	municipalities	municipality	NOUN
ajoaa-543	40	18	.	.	PUNCT
ajoaa-543	41	1	these	these	PRON
ajoaa-543	41	2	are	be	AUX
ajoaa-543	41	3	the	the	DET
ajoaa-543	41	4	bolgatanga	bolgatanga	NOUN
ajoaa-543	41	5	municipality	municipality	NOUN
ajoaa-543	41	6	,	,	PUNCT
ajoaa-543	41	7	bawku	bawku	NOUN
ajoaa-543	41	8	municipality	municipality	NOUN
ajoaa-543	41	9	,	,	PUNCT
ajoaa-543	41	10	garu	garu	NOUN
ajoaa-543	41	11	/	/	SYM
ajoaa-543	41	12	tempane	tempane	NOUN
ajoaa-543	41	13	district	district	NOUN
ajoaa-543	41	14	,	,	PUNCT
ajoaa-543	41	15	bawku	bawku	NOUN
ajoaa-543	41	16	west	west	PROPN
ajoaa-543	41	17	district	district	PROPN
ajoaa-543	41	18	,	,	PUNCT
ajoaa-543	41	19	talensi	talensi	NOUN
ajoaa-543	41	20	/	/	SYM
ajoaa-543	41	21	nabdam	nabdam	ADJ
ajoaa-543	41	22	district	district	NOUN
ajoaa-543	41	23	,	,	PUNCT
ajoaa-543	41	24	bongo	bongo	NOUN
ajoaa-543	41	25	district	district	NOUN
ajoaa-543	41	26	,	,	PUNCT
ajoaa-543	41	27	builsa	builsa	ADJ
ajoaa-543	41	28	district	district	NOUN
ajoaa-543	41	29	,	,	PUNCT
ajoaa-543	41	30	kasena	kasena	PROPN
ajoaa-543	41	31	/	/	SYM
ajoaa-543	41	32	nankana	nankana	PROPN
ajoaa-543	41	33	east	east	PROPN
ajoaa-543	41	34	and	and	CCONJ
ajoaa-543	41	35	the	the	DET
ajoaa-543	41	36	kasena	kasena	PROPN
ajoaa-543	41	37	/	/	SYM
ajoaa-543	41	38	nankana	nankana	PROPN
ajoaa-543	41	39	west	west	PROPN
ajoaa-543	41	40	districts	district	NOUN
ajoaa-543	41	41	.	.	PUNCT
ajoaa-543	42	1	demographically	demographically	ADV
ajoaa-543	42	2	,	,	PUNCT
ajoaa-543	42	3	the	the	DET
ajoaa-543	42	4	region	region	NOUN
ajoaa-543	42	5	had	have	VERB
ajoaa-543	42	6	a	a	DET
ajoaa-543	42	7	total	total	ADJ
ajoaa-543	42	8	population	population	NOUN
ajoaa-543	42	9	of	of	ADP
ajoaa-543	42	10	914,016	914,016	NUM
ajoaa-543	42	11	in	in	ADP
ajoaa-543	42	12	2000	2000	NUM
ajoaa-543	42	13	(	(	PUNCT
ajoaa-543	42	14	gss	gss	PROPN
ajoaa-543	42	15	,	,	PUNCT
ajoaa-543	42	16	2000	2000	NUM
ajoaa-543	42	17	)	)	PUNCT
ajoaa-543	42	18	.	.	PUNCT
ajoaa-543	43	1	out	out	ADP
ajoaa-543	43	2	of	of	ADP
ajoaa-543	43	3	this	this	PRON
ajoaa-543	43	4	,	,	PUNCT
ajoaa-543	43	5	484	484	NUM
ajoaa-543	43	6	,	,	PUNCT
ajoaa-543	43	7	428	428	NUM
ajoaa-543	43	8	representing	represent	VERB
ajoaa-543	43	9	about	about	ADV
ajoaa-543	43	10	53	53	NUM
ajoaa-543	43	11	percent	percent	NOUN
ajoaa-543	43	12	are	be	AUX
ajoaa-543	43	13	females	female	NOUN
ajoaa-543	43	14	with	with	ADP
ajoaa-543	43	15	the	the	DET
ajoaa-543	43	16	remaining	remain	VERB
ajoaa-543	43	17	47	47	NUM
ajoaa-543	43	18	percent	percent	NOUN
ajoaa-543	43	19	being	be	AUX
ajoaa-543	43	20	males	male	NOUN
ajoaa-543	43	21	.	.	PUNCT
ajoaa-543	44	1	this	this	PRON
ajoaa-543	44	2	is	be	AUX
ajoaa-543	44	3	indicative	indicative	ADJ
ajoaa-543	44	4	of	of	ADP
ajoaa-543	44	5	the	the	DET
ajoaa-543	44	6	need	need	NOUN
ajoaa-543	44	7	to	to	PART
ajoaa-543	44	8	incorporate	incorporate	VERB
ajoaa-543	44	9	gender	gender	NOUN
ajoaa-543	44	10	interests	interest	NOUN
ajoaa-543	44	11	in	in	ADP
ajoaa-543	44	12	financial	financial	ADJ
ajoaa-543	44	13	capital	capital	NOUN
ajoaa-543	44	14	policy	policy	NOUN
ajoaa-543	44	15	formulations	formulation	NOUN
ajoaa-543	44	16	.	.	PUNCT
ajoaa-543	45	1	the	the	DET
ajoaa-543	45	2	region	region	NOUN
ajoaa-543	45	3	is	be	AUX
ajoaa-543	45	4	predominantly	predominantly	ADV
ajoaa-543	45	5	rural	rural	ADJ
ajoaa-543	45	6	with	with	ADP
ajoaa-543	45	7	about	about	ADV
ajoaa-543	45	8	772,131	772,131	NUM
ajoaa-543	45	9	(	(	PUNCT
ajoaa-543	45	10	84	84	NUM
ajoaa-543	45	11	%	%	NOUN
ajoaa-543	45	12	)	)	PUNCT
ajoaa-543	45	13	of	of	ADP
ajoaa-543	45	14	the	the	DET
ajoaa-543	45	15	population	population	NOUN
ajoaa-543	45	16	living	live	VERB
ajoaa-543	45	17	in	in	ADP
ajoaa-543	45	18	rural	rural	ADJ
ajoaa-543	45	19	settlements	settlement	NOUN
ajoaa-543	45	20	and	and	CCONJ
ajoaa-543	45	21	141,885	141,885	NUM
ajoaa-543	45	22	(	(	PUNCT
ajoaa-543	45	23	16	16	NUM
ajoaa-543	45	24	%	%	NOUN
ajoaa-543	45	25	)	)	PUNCT
ajoaa-543	45	26	in	in	ADP
ajoaa-543	45	27	urban	urban	ADJ
ajoaa-543	45	28	areas	area	NOUN
ajoaa-543	45	29	(	(	PUNCT
ajoaa-543	45	30	harold	harold	PROPN
ajoaa-543	45	31	,	,	PUNCT
ajoaa-543	45	32	2005	2005	NUM
ajoaa-543	45	33	)	)	PUNCT
ajoaa-543	45	34	.	.	PUNCT
ajoaa-543	46	1	however	however	ADV
ajoaa-543	46	2	,	,	PUNCT
ajoaa-543	46	3	there	there	PRON
ajoaa-543	46	4	are	be	VERB
ajoaa-543	46	5	concentrations	concentration	NOUN
ajoaa-543	46	6	of	of	ADP
ajoaa-543	46	7	population	population	NOUN
ajoaa-543	46	8	in	in	ADP
ajoaa-543	46	9	the	the	DET
ajoaa-543	46	10	main	main	ADJ
ajoaa-543	46	11	urban	urban	ADJ
ajoaa-543	46	12	centres	centre	NOUN
ajoaa-543	46	13	of	of	ADP
ajoaa-543	46	14	bolgatanga	bolgatanga	NOUN
ajoaa-543	46	15	,	,	PUNCT
ajoaa-543	46	16	bawku	bawku	NOUN
ajoaa-543	46	17	,	,	PUNCT
ajoaa-543	46	18	navrongo	navrongo	NOUN
ajoaa-543	46	19	,	,	PUNCT
ajoaa-543	46	20	sandema	sandema	VERB
ajoaa-543	46	21	,	,	PUNCT
ajoaa-543	46	22	bongo	bongo	NOUN
ajoaa-543	46	23	,	,	PUNCT
ajoaa-543	46	24	zebilla	zebilla	NOUN
ajoaa-543	46	25	,	,	PUNCT
ajoaa-543	46	26	garu	garu	PROPN
ajoaa-543	46	27	,	,	PUNCT
ajoaa-543	46	28	tongo	tongo	PROPN
ajoaa-543	46	29	and	and	CCONJ
ajoaa-543	46	30	paga	paga	NOUN
ajoaa-543	46	31	which	which	PRON
ajoaa-543	46	32	serve	serve	VERB
ajoaa-543	46	33	as	as	ADP
ajoaa-543	46	34	service	service	NOUN
ajoaa-543	46	35	centres	centre	NOUN
ajoaa-543	46	36	and	and	CCONJ
ajoaa-543	46	37	administrative	administrative	ADJ
ajoaa-543	46	38	capitals	capital	NOUN
ajoaa-543	46	39	of	of	ADP
ajoaa-543	46	40	their	their	PRON
ajoaa-543	46	41	respective	respective	ADJ
ajoaa-543	46	42	municipalities	municipality	NOUN
ajoaa-543	46	43	and	and	CCONJ
ajoaa-543	46	44	districts	district	NOUN
ajoaa-543	46	45	.	.	PUNCT
ajoaa-543	47	1	the	the	DET
ajoaa-543	47	2	region	region	NOUN
ajoaa-543	47	3	is	be	AUX
ajoaa-543	47	4	characterized	characterize	VERB
ajoaa-543	47	5	by	by	ADP
ajoaa-543	47	6	long	long	ADJ
ajoaa-543	47	7	dry	dry	ADJ
ajoaa-543	47	8	conditions	condition	NOUN
ajoaa-543	47	9	.	.	PUNCT
ajoaa-543	48	1	the	the	DET
ajoaa-543	48	2	dry	dry	ADJ
ajoaa-543	48	3	season	season	NOUN
ajoaa-543	48	4	begins	begin	VERB
ajoaa-543	48	5	in	in	ADP
ajoaa-543	48	6	november	november	PROPN
ajoaa-543	48	7	and	and	CCONJ
ajoaa-543	48	8	ends	end	VERB
ajoaa-543	48	9	in	in	ADP
ajoaa-543	48	10	late	late	ADJ
ajoaa-543	48	11	april	april	PROPN
ajoaa-543	48	12	or	or	CCONJ
ajoaa-543	48	13	early	early	ADJ
ajoaa-543	48	14	may	may	NOUN
ajoaa-543	48	15	.	.	PUNCT
ajoaa-543	49	1	even	even	ADV
ajoaa-543	49	2	in	in	ADP
ajoaa-543	49	3	the	the	DET
ajoaa-543	49	4	wet	wet	ADJ
ajoaa-543	49	5	season	season	NOUN
ajoaa-543	49	6	,	,	PUNCT
ajoaa-543	49	7	there	there	PRON
ajoaa-543	49	8	are	be	VERB
ajoaa-543	49	9	still	still	ADV
ajoaa-543	49	10	some	some	DET
ajoaa-543	49	11	irregular	irregular	ADJ
ajoaa-543	49	12	drought	drought	NOUN
ajoaa-543	49	13	spells	spell	NOUN
ajoaa-543	49	14	.	.	PUNCT
ajoaa-543	50	1	the	the	DET
ajoaa-543	50	2	dry	dry	ADJ
ajoaa-543	50	3	season	season	NOUN
ajoaa-543	50	4	is	be	AUX
ajoaa-543	50	5	characterized	characterize	VERB
ajoaa-543	50	6	by	by	ADP
ajoaa-543	50	7	hazy	hazy	ADJ
ajoaa-543	50	8	weather	weather	NOUN
ajoaa-543	50	9	conditions	condition	NOUN
ajoaa-543	50	10	as	as	ADP
ajoaa-543	50	11	a	a	DET
ajoaa-543	50	12	result	result	NOUN
ajoaa-543	50	13	of	of	ADP
ajoaa-543	50	14	the	the	DET
ajoaa-543	50	15	dusty	dusty	ADJ
ajoaa-543	50	16	winds	wind	NOUN
ajoaa-543	50	17	(	(	PUNCT
ajoaa-543	50	18	harmattan	harmattan	ADV
ajoaa-543	50	19	)	)	PUNCT
ajoaa-543	50	20	blown	blow	VERB
ajoaa-543	50	21	from	from	ADP
ajoaa-543	50	22	the	the	DET
ajoaa-543	50	23	sahara	sahara	PROPN
ajoaa-543	50	24	desert	desert	PROPN
ajoaa-543	50	25	by	by	ADP
ajoaa-543	50	26	the	the	DET
ajoaa-543	50	27	northeast	northeast	ADJ
ajoaa-543	50	28	trade	trade	NOUN
ajoaa-543	50	29	winds	wind	NOUN
ajoaa-543	50	30	.	.	PUNCT
ajoaa-543	51	1	temperatures	temperature	NOUN
ajoaa-543	51	2	reach	reach	VERB
ajoaa-543	51	3	a	a	DET
ajoaa-543	51	4	maximum	maximum	NOUN
ajoaa-543	51	5	of	of	ADP
ajoaa-543	51	6	45	45	NUM
ajoaa-543	51	7	°	°	NOUN
ajoaa-543	51	8	c	c	NOUN
ajoaa-543	51	9	in	in	ADP
ajoaa-543	51	10	the	the	DET
ajoaa-543	51	11	mid	mid	ADJ
ajoaa-543	51	12	-	-	ADJ
ajoaa-543	51	13	dry	dry	ADJ
ajoaa-543	51	14	season	season	NOUN
ajoaa-543	51	15	and	and	CCONJ
ajoaa-543	51	16	a	a	DET
ajoaa-543	51	17	minimum	minimum	NOUN
ajoaa-543	51	18	of	of	ADP
ajoaa-543	51	19	20	20	NUM
ajoaa-543	51	20	°	°	NOUN
ajoaa-543	51	21	c	c	NOUN
ajoaa-543	51	22	in	in	ADP
ajoaa-543	51	23	the	the	DET
ajoaa-543	51	24	midwet	midwet	NOUN
ajoaa-543	51	25	season	season	NOUN
ajoaa-543	51	26	.	.	PUNCT
ajoaa-543	52	1	the	the	DET
ajoaa-543	52	2	average	average	ADJ
ajoaa-543	52	3	annual	annual	ADJ
ajoaa-543	52	4	rainfall	rainfall	NOUN
ajoaa-543	52	5	is	be	AUX
ajoaa-543	52	6	about	about	ADP
ajoaa-543	52	7	1002mm	1002mm	PROPN
ajoaa-543	52	8	/	/	SYM
ajoaa-543	52	9	p.a	p.a	PROPN
ajoaa-543	52	10	.	.	PROPN
ajoaa-543	52	11	with	with	ADP
ajoaa-543	52	12	the	the	DET
ajoaa-543	52	13	maximum	maximum	NOUN
ajoaa-543	52	14	recorded	record	VERB
ajoaa-543	52	15	in	in	ADP
ajoaa-543	52	16	july	july	PROPN
ajoaa-543	52	17	/	/	SYM
ajoaa-543	52	18	august	august	PROPN
ajoaa-543	52	19	and	and	CCONJ
ajoaa-543	52	20	the	the	DET
ajoaa-543	52	21	minimum	minimum	NOUN
ajoaa-543	52	22	in	in	ADP
ajoaa-543	52	23	october	october	PROPN
ajoaa-543	52	24	/	/	SYM
ajoaa-543	52	25	november	november	PROPN
ajoaa-543	52	26	.	.	PUNCT
ajoaa-543	53	1	relative	relative	ADJ
ajoaa-543	53	2	humidity	humidity	NOUN
ajoaa-543	53	3	reaches	reach	VERB
ajoaa-543	53	4	the	the	DET
ajoaa-543	53	5	peak	peak	NOUN
ajoaa-543	53	6	of	of	ADP
ajoaa-543	53	7	86	86	NUM
ajoaa-543	53	8	%	%	NOUN
ajoaa-543	53	9	in	in	ADP
ajoaa-543	53	10	the	the	DET
ajoaa-543	53	11	rainy	rainy	ADJ
ajoaa-543	53	12	season	season	NOUN
ajoaa-543	53	13	and	and	CCONJ
ajoaa-543	53	14	the	the	DET
ajoaa-543	53	15	lowest	low	ADJ
ajoaa-543	53	16	of	of	ADP
ajoaa-543	53	17	17	17	NUM
ajoaa-543	53	18	%	%	NOUN
ajoaa-543	53	19	in	in	ADP
ajoaa-543	53	20	the	the	DET
ajoaa-543	53	21	dry	dry	ADJ
ajoaa-543	53	22	season	season	NOUN
ajoaa-543	53	23	(	(	PUNCT
ajoaa-543	53	24	akudugu	akudugu	ADV
ajoaa-543	53	25	and	and	CCONJ
ajoaa-543	53	26	gbene	gbene	VERB
ajoaa-543	53	27	,	,	PUNCT
ajoaa-543	53	28	2005	2005	NUM
ajoaa-543	53	29	)	)	PUNCT
ajoaa-543	53	30	.	.	PUNCT
ajoaa-543	54	1	the	the	DET
ajoaa-543	54	2	major	major	ADJ
ajoaa-543	54	3	off	off	ADP
ajoaa-543	54	4	-	-	PUNCT
ajoaa-543	54	5	farm	farm	NOUN
ajoaa-543	54	6	economic	economic	ADJ
ajoaa-543	54	7	activities	activity	NOUN
ajoaa-543	54	8	prevailing	prevail	VERB
ajoaa-543	54	9	in	in	ADP
ajoaa-543	54	10	the	the	DET
ajoaa-543	54	11	area	area	NOUN
ajoaa-543	54	12	include	include	VERB
ajoaa-543	54	13	sheabutter	sheabutter	NOUN
ajoaa-543	54	14	extraction	extraction	NOUN
ajoaa-543	54	15	,	,	PUNCT
ajoaa-543	54	16	pito	pito	X
ajoaa-543	54	17	(	(	PUNCT
ajoaa-543	54	18	local	local	ADJ
ajoaa-543	54	19	beer	beer	NOUN
ajoaa-543	54	20	made	make	VERB
ajoaa-543	54	21	of	of	ADP
ajoaa-543	54	22	sorghum	sorghum	NOUN
ajoaa-543	54	23	and	and	CCONJ
ajoaa-543	54	24	maize	maize	NOUN
ajoaa-543	54	25	)	)	PUNCT
ajoaa-543	54	26	brewing	brewing	NOUN
ajoaa-543	54	27	,	,	PUNCT
ajoaa-543	54	28	pito	pito	ADJ
ajoaa-543	54	29	malt	malt	NOUN
ajoaa-543	54	30	processing	processing	NOUN
ajoaa-543	54	31	,	,	PUNCT
ajoaa-543	54	32	rice	rice	NOUN
ajoaa-543	54	33	processing	processing	NOUN
ajoaa-543	54	34	/	/	SYM
ajoaa-543	54	35	parboiling	parboiling	NOUN
ajoaa-543	54	36	and	and	CCONJ
ajoaa-543	54	37	“	"	PUNCT
ajoaa-543	54	38	kulikuli	kulikuli	PROPN
ajoaa-543	54	39	”	"	PUNCT
ajoaa-543	54	40	(	(	PUNCT
ajoaa-543	54	41	groundnut	groundnut	NOUN
ajoaa-543	54	42	cake	cake	NOUN
ajoaa-543	54	43	)	)	PUNCT
ajoaa-543	54	44	making	making	NOUN
ajoaa-543	54	45	.	.	PUNCT
ajoaa-543	55	1	farming	farming	NOUN
ajoaa-543	55	2	of	of	ADP
ajoaa-543	55	3	cereals	cereal	NOUN
ajoaa-543	55	4	,	,	PUNCT
ajoaa-543	55	5	roots	root	NOUN
ajoaa-543	55	6	such	such	ADJ
ajoaa-543	55	7	as	as	ADP
ajoaa-543	55	8	sweet	sweet	ADJ
ajoaa-543	55	9	and	and	CCONJ
ajoaa-543	55	10	frafra	frafra	NOUN
ajoaa-543	55	11	potatoes	potato	NOUN
ajoaa-543	55	12	,	,	PUNCT
ajoaa-543	55	13	vegetables	vegetable	NOUN
ajoaa-543	55	14	such	such	ADJ
ajoaa-543	55	15	as	as	ADP
ajoaa-543	55	16	onions	onion	NOUN
ajoaa-543	55	17	and	and	CCONJ
ajoaa-543	55	18	tomatoes	tomato	NOUN
ajoaa-543	55	19	and	and	CCONJ
ajoaa-543	55	20	rearing	rearing	NOUN
ajoaa-543	55	21	of	of	ADP
ajoaa-543	55	22	small	small	ADJ
ajoaa-543	55	23	and	and	CCONJ
ajoaa-543	55	24	large	large	ADJ
ajoaa-543	55	25	ruminants	ruminant	NOUN
ajoaa-543	55	26	such	such	ADJ
ajoaa-543	55	27	as	as	ADP
ajoaa-543	55	28	goats	goat	NOUN
ajoaa-543	55	29	,	,	PUNCT
ajoaa-543	55	30	sheep	sheep	NOUN
ajoaa-543	55	31	and	and	CCONJ
ajoaa-543	55	32	cattle	cattle	NOUN
ajoaa-543	55	33	are	be	AUX
ajoaa-543	55	34	some	some	PRON
ajoaa-543	55	35	of	of	ADP
ajoaa-543	55	36	the	the	DET
ajoaa-543	55	37	on	on	ADP
ajoaa-543	55	38	-	-	PUNCT
ajoaa-543	55	39	farm	farm	NOUN
ajoaa-543	55	40	activities	activity	NOUN
ajoaa-543	55	41	.	.	PUNCT
ajoaa-543	56	1	the	the	DET
ajoaa-543	56	2	farm	farm	NOUN
ajoaa-543	56	3	activities	activity	NOUN
ajoaa-543	56	4	with	with	ADP
ajoaa-543	56	5	great	great	ADJ
ajoaa-543	56	6	potentials	potential	NOUN
ajoaa-543	56	7	are	be	AUX
ajoaa-543	56	8	sorghum	sorghum	NOUN
ajoaa-543	56	9	,	,	PUNCT
ajoaa-543	56	10	rice	rice	NOUN
ajoaa-543	56	11	,	,	PUNCT
ajoaa-543	56	12	onions	onion	NOUN
ajoaa-543	56	13	and	and	CCONJ
ajoaa-543	56	14	tomatoes	tomato	NOUN
ajoaa-543	56	15	production	production	NOUN
ajoaa-543	56	16	as	as	ADV
ajoaa-543	56	17	well	well	ADV
ajoaa-543	56	18	as	as	ADP
ajoaa-543	56	19	guinea	guinea	NOUN
ajoaa-543	56	20	fowl	fowl	NOUN
ajoaa-543	56	21	rearing	rear	VERB
ajoaa-543	56	22	.	.	PUNCT
ajoaa-543	57	1	a	a	DET
ajoaa-543	57	2	number	number	NOUN
ajoaa-543	57	3	of	of	ADP
ajoaa-543	57	4	institutional	institutional	ADJ
ajoaa-543	57	5	and	and	CCONJ
ajoaa-543	57	6	non	non	ADJ
ajoaa-543	57	7	-	-	ADJ
ajoaa-543	57	8	institutional	institutional	ADJ
ajoaa-543	57	9	financial	financial	ADJ
ajoaa-543	57	10	capital	capital	NOUN
ajoaa-543	57	11	intermediaries	intermediary	NOUN
ajoaa-543	57	12	operate	operate	VERB
ajoaa-543	57	13	in	in	ADP
ajoaa-543	57	14	the	the	DET
ajoaa-543	57	15	region	region	NOUN
ajoaa-543	57	16	.	.	PUNCT
ajoaa-543	58	1	the	the	DET
ajoaa-543	58	2	institutional	institutional	ADJ
ajoaa-543	58	3	ones	one	NOUN
ajoaa-543	58	4	include	include	VERB
ajoaa-543	58	5	the	the	DET
ajoaa-543	58	6	ghana	ghana	PROPN
ajoaa-543	58	7	commercial	commercial	PROPN
ajoaa-543	58	8	bank	bank	PROPN
ajoaa-543	58	9	(	(	PUNCT
ajoaa-543	58	10	gcb	gcb	PROPN
ajoaa-543	58	11	)	)	PUNCT
ajoaa-543	58	12	with	with	ADP
ajoaa-543	58	13	three	three	NUM
ajoaa-543	58	14	branches	branch	NOUN
ajoaa-543	58	15	at	at	ADP
ajoaa-543	58	16	bolgatanga	bolgatanga	NOUN
ajoaa-543	58	17	,	,	PUNCT
ajoaa-543	58	18	bawku	bawku	NOUN
ajoaa-543	58	19	and	and	CCONJ
ajoaa-543	58	20	navrongo	navrongo	NOUN
ajoaa-543	58	21	;	;	PUNCT
ajoaa-543	58	22	the	the	DET
ajoaa-543	58	23	agricultural	agricultural	PROPN
ajoaa-543	58	24	development	development	PROPN
ajoaa-543	58	25	bank	bank	PROPN
ajoaa-543	58	26	(	(	PUNCT
ajoaa-543	58	27	adb	adb	PROPN
ajoaa-543	58	28	)	)	PUNCT
ajoaa-543	58	29	with	with	ADP
ajoaa-543	58	30	three	three	NUM
ajoaa-543	58	31	branches	branch	NOUN
ajoaa-543	58	32	at	at	ADP
ajoaa-543	58	33	bolgatanga	bolgatanga	NOUN
ajoaa-543	58	34	,	,	PUNCT
ajoaa-543	58	35	navrongo	navrongo	NOUN
ajoaa-543	58	36	and	and	CCONJ
ajoaa-543	58	37	bawku	bawku	NOUN
ajoaa-543	58	38	;	;	PUNCT
ajoaa-543	58	39	the	the	DET
ajoaa-543	58	40	national	national	PROPN
ajoaa-543	58	41	investment	investment	PROPN
ajoaa-543	58	42	bank	bank	PROPN
ajoaa-543	58	43	(	(	PUNCT
ajoaa-543	58	44	nib	nib	PROPN
ajoaa-543	58	45	)	)	PUNCT
ajoaa-543	58	46	at	at	ADP
ajoaa-543	58	47	bolgatanga	bolgatanga	NOUN
ajoaa-543	58	48	;	;	PUNCT
ajoaa-543	58	49	ssb	ssb	PROPN
ajoaa-543	58	50	at	at	ADP
ajoaa-543	58	51	bolgatanga	bolgatanga	NOUN
ajoaa-543	58	52	;	;	PUNCT
ajoaa-543	58	53	barclays	barclay	NOUN
ajoaa-543	58	54	at	at	ADP
ajoaa-543	58	55	bolgatanga	bolgatanga	NOUN
ajoaa-543	58	56	and	and	CCONJ
ajoaa-543	58	57	bawku	bawku	NOUN
ajoaa-543	58	58	with	with	ADP
ajoaa-543	58	59	a	a	DET
ajoaa-543	58	60	mobilisation	mobilisation	NOUN
ajoaa-543	58	61	centre	centre	NOUN
ajoaa-543	58	62	at	at	ADP
ajoaa-543	58	63	navrongo	navrongo	NOUN
ajoaa-543	58	64	;	;	PUNCT
ajoaa-543	58	65	five	five	NUM
ajoaa-543	58	66	rural	rural	ADJ
ajoaa-543	58	67	banks	bank	NOUN
ajoaa-543	58	68	with	with	ADP
ajoaa-543	58	69	eleven	eleven	NUM
ajoaa-543	58	70	branches	branch	NOUN
ajoaa-543	58	71	across	across	ADP
ajoaa-543	58	72	the	the	DET
ajoaa-543	58	73	region	region	NOUN
ajoaa-543	58	74	;	;	PUNCT
ajoaa-543	58	75	savings	saving	NOUN
ajoaa-543	58	76	and	and	CCONJ
ajoaa-543	58	77	loans	loan	NOUN
ajoaa-543	58	78	companies	company	NOUN
ajoaa-543	58	79	at	at	ADP
ajoaa-543	58	80	bolgatanga	bolgatanga	NOUN
ajoaa-543	58	81	and	and	CCONJ
ajoaa-543	58	82	bawku	bawku	NOUN
ajoaa-543	58	83	and	and	CCONJ
ajoaa-543	58	84	insurance	insurance	NOUN
ajoaa-543	58	85	companies	company	NOUN
ajoaa-543	58	86	.	.	PUNCT
ajoaa-543	59	1	the	the	DET
ajoaa-543	59	2	non	non	ADJ
ajoaa-543	59	3	-	-	ADJ
ajoaa-543	59	4	institutional	institutional	ADJ
ajoaa-543	59	5	financial	financial	ADJ
ajoaa-543	59	6	intermediaries	intermediary	NOUN
ajoaa-543	59	7	include	include	VERB
ajoaa-543	59	8	the	the	DET
ajoaa-543	59	9	credit	credit	NOUN
ajoaa-543	59	10	unions	union	NOUN
ajoaa-543	59	11	,	,	PUNCT
ajoaa-543	59	12	special	special	ADJ
ajoaa-543	59	13	government	government	NOUN
ajoaa-543	59	14	programmes	programme	NOUN
ajoaa-543	59	15	,	,	PUNCT
ajoaa-543	59	16	private	private	ADJ
ajoaa-543	59	17	money	money	NOUN
ajoaa-543	59	18	lenders	lender	NOUN
ajoaa-543	59	19	,	,	PUNCT
ajoaa-543	59	20	susu	susu	PROPN
ajoaa-543	59	21	collectors	collector	NOUN
ajoaa-543	59	22	,	,	PUNCT
ajoaa-543	59	23	distributors	distributor	NOUN
ajoaa-543	59	24	of	of	ADP
ajoaa-543	59	25	farm	farm	NOUN
ajoaa-543	59	26	inputs	input	NOUN
ajoaa-543	59	27	,	,	PUNCT
ajoaa-543	59	28	rotating	rotate	VERB
ajoaa-543	59	29	savings	saving	NOUN
ajoaa-543	59	30	and	and	CCONJ
ajoaa-543	59	31	credit	credit	NOUN
ajoaa-543	59	32	associations	association	NOUN
ajoaa-543	59	33	(	(	PUNCT
ajoaa-543	59	34	roscas	roscas	PROPN
ajoaa-543	59	35	)	)	PUNCT
ajoaa-543	59	36	,	,	PUNCT
ajoaa-543	59	37	friends	friend	NOUN
ajoaa-543	59	38	and	and	CCONJ
ajoaa-543	59	39	relatives	relative	NOUN
ajoaa-543	59	40	.	.	PUNCT
ajoaa-543	60	1	all	all	DET
ajoaa-543	60	2	these	these	DET
ajoaa-543	60	3	form	form	NOUN
ajoaa-543	60	4	sources	source	NOUN
ajoaa-543	60	5	of	of	ADP
ajoaa-543	60	6	credit	credit	NOUN
ajoaa-543	60	7	to	to	ADP
ajoaa-543	60	8	the	the	DET
ajoaa-543	60	9	people	people	NOUN
ajoaa-543	60	10	in	in	ADP
ajoaa-543	60	11	the	the	DET
ajoaa-543	60	12	region	region	NOUN
ajoaa-543	60	13	.	.	PUNCT
ajoaa-543	61	1	the	the	DET
ajoaa-543	61	2	survey	survey	NOUN
ajoaa-543	61	3	two	two	NUM
ajoaa-543	61	4	hundred	hundred	NUM
ajoaa-543	61	5	and	and	CCONJ
ajoaa-543	61	6	fifty	fifty	NUM
ajoaa-543	61	7	farmers	farmer	NOUN
ajoaa-543	61	8	(	(	PUNCT
ajoaa-543	61	9	250	250	NUM
ajoaa-543	61	10	)	)	PUNCT
ajoaa-543	61	11	comprising	comprise	VERB
ajoaa-543	61	12	one	one	NUM
ajoaa-543	61	13	hundred	hundred	NUM
ajoaa-543	61	14	and	and	CCONJ
ajoaa-543	61	15	thirty	thirty	NUM
ajoaa-543	61	16	-	-	PUNCT
ajoaa-543	61	17	five	five	NUM
ajoaa-543	61	18	men	man	NOUN
ajoaa-543	61	19	(	(	PUNCT
ajoaa-543	61	20	135	135	NUM
ajoaa-543	61	21	)	)	PUNCT
ajoaa-543	61	22	and	and	CCONJ
ajoaa-543	61	23	one	one	NUM
ajoaa-543	61	24	hundred	hundred	NUM
ajoaa-543	61	25	and	and	CCONJ
ajoaa-543	61	26	fifteen	fifteen	NUM
ajoaa-543	61	27	(	(	PUNCT
ajoaa-543	61	28	115	115	NUM
ajoaa-543	61	29	)	)	PUNCT
ajoaa-543	61	30	women	woman	NOUN
ajoaa-543	61	31	were	be	AUX
ajoaa-543	61	32	interviewed	interview	VERB
ajoaa-543	61	33	.	.	PUNCT
ajoaa-543	62	1	this	this	PRON
ajoaa-543	62	2	indicates	indicate	VERB
ajoaa-543	62	3	close	close	ADJ
ajoaa-543	62	4	gender	gender	NOUN
ajoaa-543	62	5	parity	parity	NOUN
ajoaa-543	62	6	in	in	ADP
ajoaa-543	62	7	sampling	sample	VERB
ajoaa-543	62	8	which	which	PRON
ajoaa-543	62	9	implies	imply	VERB
ajoaa-543	62	10	that	that	SCONJ
ajoaa-543	62	11	the	the	DET
ajoaa-543	62	12	findings	finding	NOUN
ajoaa-543	62	13	are	be	AUX
ajoaa-543	62	14	to	to	ADP
ajoaa-543	62	15	a	a	DET
ajoaa-543	62	16	large	large	ADJ
ajoaa-543	62	17	extent	extent	NOUN
ajoaa-543	62	18	representative	representative	NOUN
ajoaa-543	62	19	of	of	ADP
ajoaa-543	62	20	both	both	DET
ajoaa-543	62	21	men	man	NOUN
ajoaa-543	62	22	and	and	CCONJ
ajoaa-543	62	23	women	woman	NOUN
ajoaa-543	62	24	.	.	PUNCT
ajoaa-543	63	1	the	the	DET
ajoaa-543	63	2	multistage	multistage	NOUN
ajoaa-543	63	3	sampling	sampling	NOUN
ajoaa-543	63	4	technique	technique	NOUN
ajoaa-543	63	5	was	be	AUX
ajoaa-543	63	6	asian	asian	ADJ
ajoaa-543	63	7	journal	journal	NOUN
ajoaa-543	63	8	of	of	ADP
ajoaa-543	63	9	agriculture	agriculture	NOUN
ajoaa-543	63	10	and	and	CCONJ
ajoaa-543	63	11	rural	rural	ADJ
ajoaa-543	63	12	development	development	NOUN
ajoaa-543	63	13	,	,	PUNCT
ajoaa-543	63	14	2(2	2(2	NUM
ajoaa-543	63	15	)	)	PUNCT
ajoaa-543	63	16	,	,	PUNCT
ajoaa-543	63	17	pp	pp	ADP
ajoaa-543	63	18	.	.	PUNCT
ajoaa-543	64	1	189	189	NUM
ajoaa-543	64	2	-	-	SYM
ajoaa-543	64	3	200	200	NUM
ajoaa-543	64	4	191	191	NUM
ajoaa-543	64	5	employed	employ	VERB
ajoaa-543	64	6	.	.	PUNCT
ajoaa-543	65	1	the	the	DET
ajoaa-543	65	2	first	first	ADJ
ajoaa-543	65	3	stage	stage	NOUN
ajoaa-543	65	4	included	include	VERB
ajoaa-543	65	5	the	the	DET
ajoaa-543	65	6	purposeful	purposeful	ADJ
ajoaa-543	65	7	selection	selection	NOUN
ajoaa-543	65	8	of	of	ADP
ajoaa-543	65	9	the	the	DET
ajoaa-543	65	10	five	five	NUM
ajoaa-543	65	11	out	out	ADP
ajoaa-543	65	12	of	of	ADP
ajoaa-543	65	13	nine	nine	NUM
ajoaa-543	65	14	districts	district	NOUN
ajoaa-543	65	15	of	of	ADP
ajoaa-543	65	16	the	the	DET
ajoaa-543	65	17	upper	upper	PROPN
ajoaa-543	65	18	east	east	PROPN
ajoaa-543	65	19	region	region	NOUN
ajoaa-543	65	20	.	.	PUNCT
ajoaa-543	66	1	the	the	DET
ajoaa-543	66	2	selected	select	VERB
ajoaa-543	66	3	districts	district	NOUN
ajoaa-543	66	4	are	be	AUX
ajoaa-543	66	5	the	the	DET
ajoaa-543	66	6	garu	garu	NOUN
ajoaa-543	66	7	-	-	PUNCT
ajoaa-543	66	8	tempane	tempane	NOUN
ajoaa-543	66	9	district	district	NOUN
ajoaa-543	66	10	where	where	SCONJ
ajoaa-543	66	11	the	the	DET
ajoaa-543	66	12	bawku	bawku	NOUN
ajoaa-543	66	13	east	east	ADJ
ajoaa-543	66	14	small	small	ADJ
ajoaa-543	66	15	scale	scale	NOUN
ajoaa-543	66	16	farmers	farmer	NOUN
ajoaa-543	66	17	association	association	NOUN
ajoaa-543	66	18	(	(	PUNCT
ajoaa-543	66	19	bessfa	bessfa	ADJ
ajoaa-543	66	20	)	)	PUNCT
ajoaa-543	66	21	rural	rural	ADJ
ajoaa-543	66	22	banks	bank	NOUN
ajoaa-543	66	23	is	be	AUX
ajoaa-543	66	24	located	locate	VERB
ajoaa-543	66	25	,	,	PUNCT
ajoaa-543	66	26	the	the	DET
ajoaa-543	66	27	bawku	bawku	NOUN
ajoaa-543	66	28	west	west	PROPN
ajoaa-543	66	29	district	district	PROPN
ajoaa-543	66	30	where	where	SCONJ
ajoaa-543	66	31	the	the	DET
ajoaa-543	66	32	toende	toende	PROPN
ajoaa-543	66	33	rural	rural	ADJ
ajoaa-543	66	34	bank	bank	NOUN
ajoaa-543	66	35	is	be	AUX
ajoaa-543	66	36	located	locate	VERB
ajoaa-543	66	37	,	,	PUNCT
ajoaa-543	66	38	the	the	DET
ajoaa-543	66	39	builsa	builsa	ADJ
ajoaa-543	66	40	district	district	NOUN
ajoaa-543	66	41	where	where	SCONJ
ajoaa-543	66	42	the	the	DET
ajoaa-543	66	43	builsa	builsa	ADJ
ajoaa-543	66	44	community	community	NOUN
ajoaa-543	66	45	(	(	PUNCT
ajoaa-543	66	46	buco	buco	NOUN
ajoaa-543	66	47	)	)	PUNCT
ajoaa-543	66	48	bank	bank	NOUN
ajoaa-543	66	49	is	be	AUX
ajoaa-543	66	50	located	locate	VERB
ajoaa-543	66	51	,	,	PUNCT
ajoaa-543	66	52	the	the	DET
ajoaa-543	66	53	kassena	kassena	PROPN
ajoaa-543	66	54	-	-	PUNCT
ajoaa-543	66	55	nankana	nankana	PROPN
ajoaa-543	66	56	west	west	PROPN
ajoaa-543	66	57	district	district	PROPN
ajoaa-543	66	58	where	where	SCONJ
ajoaa-543	66	59	the	the	DET
ajoaa-543	66	60	naara	naara	ADJ
ajoaa-543	66	61	rural	rural	ADJ
ajoaa-543	66	62	bank	bank	NOUN
ajoaa-543	66	63	is	be	AUX
ajoaa-543	66	64	located	locate	VERB
ajoaa-543	66	65	,	,	PUNCT
ajoaa-543	66	66	and	and	CCONJ
ajoaa-543	66	67	the	the	DET
ajoaa-543	66	68	bongo	bongo	NOUN
ajoaa-543	66	69	district	district	NOUN
ajoaa-543	66	70	where	where	SCONJ
ajoaa-543	66	71	the	the	DET
ajoaa-543	66	72	bongo	bongo	NOUN
ajoaa-543	66	73	rural	rural	ADJ
ajoaa-543	66	74	bank	bank	NOUN
ajoaa-543	66	75	is	be	AUX
ajoaa-543	66	76	located	locate	VERB
ajoaa-543	66	77	.	.	PUNCT
ajoaa-543	67	1	after	after	ADP
ajoaa-543	67	2	selecting	select	VERB
ajoaa-543	67	3	the	the	DET
ajoaa-543	67	4	districts	district	NOUN
ajoaa-543	67	5	,	,	PUNCT
ajoaa-543	67	6	stratified	stratify	VERB
ajoaa-543	67	7	random	random	ADJ
ajoaa-543	67	8	sampling	sampling	NOUN
ajoaa-543	67	9	was	be	AUX
ajoaa-543	67	10	employed	employ	VERB
ajoaa-543	67	11	.	.	PUNCT
ajoaa-543	68	1	each	each	PRON
ajoaa-543	68	2	of	of	ADP
ajoaa-543	68	3	the	the	DET
ajoaa-543	68	4	selected	select	VERB
ajoaa-543	68	5	districts	district	NOUN
ajoaa-543	68	6	was	be	AUX
ajoaa-543	68	7	divided	divide	VERB
ajoaa-543	68	8	into	into	ADP
ajoaa-543	68	9	five	five	NUM
ajoaa-543	68	10	strata	strata	NOUN
ajoaa-543	68	11	(	(	PUNCT
ajoaa-543	68	12	i.e.	i.e.	X
ajoaa-543	68	13	north	north	NOUN
ajoaa-543	68	14	,	,	PUNCT
ajoaa-543	68	15	east	east	PROPN
ajoaa-543	68	16	,	,	PUNCT
ajoaa-543	68	17	south	south	NOUN
ajoaa-543	68	18	,	,	PUNCT
ajoaa-543	68	19	west	west	NOUN
ajoaa-543	68	20	,	,	PUNCT
ajoaa-543	68	21	and	and	CCONJ
ajoaa-543	68	22	central	central	ADJ
ajoaa-543	68	23	)	)	PUNCT
ajoaa-543	68	24	.	.	PUNCT
ajoaa-543	69	1	this	this	PRON
ajoaa-543	69	2	implies	imply	VERB
ajoaa-543	69	3	that	that	SCONJ
ajoaa-543	69	4	the	the	DET
ajoaa-543	69	5	whole	whole	ADJ
ajoaa-543	69	6	study	study	NOUN
ajoaa-543	69	7	area	area	NOUN
ajoaa-543	69	8	was	be	AUX
ajoaa-543	69	9	divided	divide	VERB
ajoaa-543	69	10	into	into	ADP
ajoaa-543	69	11	twenty	twenty	NUM
ajoaa-543	69	12	-	-	PUNCT
ajoaa-543	69	13	five	five	NUM
ajoaa-543	69	14	strata	strata	NOUN
ajoaa-543	69	15	.	.	PUNCT
ajoaa-543	70	1	simple	simple	ADJ
ajoaa-543	70	2	random	random	ADJ
ajoaa-543	70	3	sampling	sampling	NOUN
ajoaa-543	70	4	was	be	AUX
ajoaa-543	70	5	then	then	ADV
ajoaa-543	70	6	used	use	VERB
ajoaa-543	70	7	to	to	PART
ajoaa-543	70	8	select	select	VERB
ajoaa-543	70	9	one	one	NUM
ajoaa-543	70	10	community	community	NOUN
ajoaa-543	70	11	from	from	ADP
ajoaa-543	70	12	each	each	DET
ajoaa-543	70	13	stratum	stratum	NOUN
ajoaa-543	70	14	.	.	PUNCT
ajoaa-543	71	1	ten	ten	NUM
ajoaa-543	71	2	(	(	PUNCT
ajoaa-543	71	3	10	10	NUM
ajoaa-543	71	4	)	)	PUNCT
ajoaa-543	71	5	farmers	farmer	NOUN
ajoaa-543	71	6	were	be	AUX
ajoaa-543	71	7	then	then	ADV
ajoaa-543	71	8	randomly	randomly	ADV
ajoaa-543	71	9	sampled	sample	VERB
ajoaa-543	71	10	from	from	ADP
ajoaa-543	71	11	each	each	DET
ajoaa-543	71	12	stratum	stratum	NOUN
ajoaa-543	71	13	which	which	PRON
ajoaa-543	71	14	gave	give	VERB
ajoaa-543	71	15	a	a	DET
ajoaa-543	71	16	sample	sample	NOUN
ajoaa-543	71	17	size	size	NOUN
ajoaa-543	71	18	of	of	ADP
ajoaa-543	71	19	two	two	NUM
ajoaa-543	71	20	hundred	hundred	NUM
ajoaa-543	71	21	and	and	CCONJ
ajoaa-543	71	22	fifty	fifty	NUM
ajoaa-543	71	23	(	(	PUNCT
ajoaa-543	71	24	250	250	NUM
ajoaa-543	71	25	)	)	PUNCT
ajoaa-543	71	26	mentioned	mention	VERB
ajoaa-543	71	27	earlier	early	ADV
ajoaa-543	71	28	.	.	PUNCT
ajoaa-543	72	1	managers	manager	NOUN
ajoaa-543	72	2	of	of	ADP
ajoaa-543	72	3	the	the	DET
ajoaa-543	72	4	rural	rural	ADJ
ajoaa-543	72	5	banks	bank	NOUN
ajoaa-543	72	6	and	and	CCONJ
ajoaa-543	72	7	in	in	ADP
ajoaa-543	72	8	some	some	DET
ajoaa-543	72	9	cases	case	NOUN
ajoaa-543	72	10	their	their	PRON
ajoaa-543	72	11	representatives	representative	NOUN
ajoaa-543	72	12	were	be	AUX
ajoaa-543	72	13	also	also	ADV
ajoaa-543	72	14	interviewed	interview	VERB
ajoaa-543	72	15	.	.	PUNCT
ajoaa-543	73	1	in	in	ADP
ajoaa-543	73	2	each	each	DET
ajoaa-543	73	3	selected	select	VERB
ajoaa-543	73	4	community	community	NOUN
ajoaa-543	73	5	,	,	PUNCT
ajoaa-543	73	6	individuals	individual	NOUN
ajoaa-543	73	7	were	be	AUX
ajoaa-543	73	8	selected	select	VERB
ajoaa-543	73	9	for	for	ADP
ajoaa-543	73	10	the	the	DET
ajoaa-543	73	11	interviews	interview	NOUN
ajoaa-543	73	12	using	use	VERB
ajoaa-543	73	13	the	the	DET
ajoaa-543	73	14	random	random	ADJ
ajoaa-543	73	15	numbers	number	NOUN
ajoaa-543	73	16	technique	technique	NOUN
ajoaa-543	73	17	.	.	PUNCT
ajoaa-543	74	1	semi	semi	ADJ
ajoaa-543	74	2	-	-	ADJ
ajoaa-543	74	3	structured	structured	ADJ
ajoaa-543	74	4	questionnaire	questionnaire	NOUN
ajoaa-543	74	5	supplemented	supplement	VERB
ajoaa-543	74	6	with	with	ADP
ajoaa-543	74	7	key	key	ADJ
ajoaa-543	74	8	informant	informant	NOUN
ajoaa-543	74	9	interviews	interview	NOUN
ajoaa-543	74	10	and	and	CCONJ
ajoaa-543	74	11	focus	focus	NOUN
ajoaa-543	74	12	group	group	NOUN
ajoaa-543	74	13	discussions	discussion	NOUN
ajoaa-543	74	14	were	be	AUX
ajoaa-543	74	15	used	use	VERB
ajoaa-543	74	16	for	for	ADP
ajoaa-543	74	17	the	the	DET
ajoaa-543	74	18	data	data	NOUN
ajoaa-543	74	19	collection	collection	NOUN
ajoaa-543	74	20	.	.	PUNCT
ajoaa-543	75	1	the	the	DET
ajoaa-543	75	2	theoretical	theoretical	ADJ
ajoaa-543	75	3	and	and	CCONJ
ajoaa-543	75	4	analytical	analytical	ADJ
ajoaa-543	75	5	framework	framework	NOUN
ajoaa-543	75	6	two	two	NUM
ajoaa-543	75	7	levels	level	NOUN
ajoaa-543	75	8	of	of	ADP
ajoaa-543	75	9	analyses	analysis	NOUN
ajoaa-543	75	10	were	be	AUX
ajoaa-543	75	11	carried	carry	VERB
ajoaa-543	75	12	out	out	ADP
ajoaa-543	75	13	.	.	PUNCT
ajoaa-543	76	1	the	the	DET
ajoaa-543	76	2	first	first	ADJ
ajoaa-543	76	3	was	be	AUX
ajoaa-543	76	4	to	to	PART
ajoaa-543	76	5	estimate	estimate	VERB
ajoaa-543	76	6	the	the	DET
ajoaa-543	76	7	determinants	determinant	NOUN
ajoaa-543	76	8	of	of	ADP
ajoaa-543	76	9	credit	credit	NOUN
ajoaa-543	76	10	demand	demand	NOUN
ajoaa-543	76	11	by	by	ADP
ajoaa-543	76	12	farmers	farmer	NOUN
ajoaa-543	76	13	using	use	VERB
ajoaa-543	76	14	the	the	DET
ajoaa-543	76	15	logit	logit	PROPN
ajoaa-543	76	16	model	model	NOUN
ajoaa-543	76	17	.	.	PUNCT
ajoaa-543	77	1	the	the	DET
ajoaa-543	77	2	second	second	ADJ
ajoaa-543	77	3	level	level	NOUN
ajoaa-543	77	4	of	of	ADP
ajoaa-543	77	5	analysis	analysis	NOUN
ajoaa-543	77	6	was	be	AUX
ajoaa-543	77	7	to	to	PART
ajoaa-543	77	8	estimate	estimate	VERB
ajoaa-543	77	9	the	the	DET
ajoaa-543	77	10	determinants	determinant	NOUN
ajoaa-543	77	11	of	of	ADP
ajoaa-543	77	12	credit	credit	NOUN
ajoaa-543	77	13	supply	supply	NOUN
ajoaa-543	77	14	to	to	ADP
ajoaa-543	77	15	farmers	farmer	NOUN
ajoaa-543	77	16	by	by	ADP
ajoaa-543	77	17	rural	rural	ADJ
ajoaa-543	77	18	banks	bank	NOUN
ajoaa-543	77	19	using	use	VERB
ajoaa-543	77	20	the	the	DET
ajoaa-543	77	21	tobit	tobit	NOUN
ajoaa-543	77	22	model	model	NOUN
ajoaa-543	77	23	.	.	PUNCT
ajoaa-543	78	1	the	the	DET
ajoaa-543	78	2	analyses	analysis	NOUN
ajoaa-543	78	3	accounted	account	VERB
ajoaa-543	78	4	for	for	ADP
ajoaa-543	78	5	the	the	DET
ajoaa-543	78	6	possibility	possibility	NOUN
ajoaa-543	78	7	of	of	ADP
ajoaa-543	78	8	selectivity	selectivity	NOUN
ajoaa-543	78	9	bias	bias	NOUN
ajoaa-543	78	10	(	(	PUNCT
ajoaa-543	78	11	johnston	johnston	PROPN
ajoaa-543	78	12	and	and	CCONJ
ajoaa-543	78	13	dinardo	dinardo	PROPN
ajoaa-543	78	14	,	,	PUNCT
ajoaa-543	78	15	1998	1998	NUM
ajoaa-543	78	16	)	)	PUNCT
ajoaa-543	78	17	on	on	ADP
ajoaa-543	78	18	the	the	DET
ajoaa-543	78	19	part	part	NOUN
ajoaa-543	78	20	of	of	ADP
ajoaa-543	78	21	farmers	farmer	NOUN
ajoaa-543	78	22	in	in	ADP
ajoaa-543	78	23	their	their	PRON
ajoaa-543	78	24	credit	credit	NOUN
ajoaa-543	78	25	demand	demand	NOUN
ajoaa-543	78	26	and	and	CCONJ
ajoaa-543	78	27	the	the	DET
ajoaa-543	78	28	rural	rural	ADJ
ajoaa-543	78	29	banks	bank	NOUN
ajoaa-543	78	30	in	in	ADP
ajoaa-543	78	31	their	their	PRON
ajoaa-543	78	32	supply	supply	NOUN
ajoaa-543	78	33	of	of	ADP
ajoaa-543	78	34	credit	credit	NOUN
ajoaa-543	78	35	.	.	PUNCT
ajoaa-543	79	1	when	when	SCONJ
ajoaa-543	79	2	people	people	NOUN
ajoaa-543	79	3	are	be	AUX
ajoaa-543	79	4	selected	select	VERB
ajoaa-543	79	5	for	for	ADP
ajoaa-543	79	6	a	a	DET
ajoaa-543	79	7	particular	particular	ADJ
ajoaa-543	79	8	intervention	intervention	NOUN
ajoaa-543	79	9	based	base	VERB
ajoaa-543	79	10	on	on	ADP
ajoaa-543	79	11	factors	factor	NOUN
ajoaa-543	79	12	that	that	PRON
ajoaa-543	79	13	are	be	AUX
ajoaa-543	79	14	not	not	PART
ajoaa-543	79	15	physical	physical	ADJ
ajoaa-543	79	16	and	and	CCONJ
ajoaa-543	79	17	difficult	difficult	ADJ
ajoaa-543	79	18	to	to	PART
ajoaa-543	79	19	measure	measure	VERB
ajoaa-543	79	20	,	,	PUNCT
ajoaa-543	79	21	it	it	PRON
ajoaa-543	79	22	may	may	AUX
ajoaa-543	79	23	result	result	VERB
ajoaa-543	79	24	in	in	ADP
ajoaa-543	79	25	selection	selection	NOUN
ajoaa-543	79	26	bias	bias	NOUN
ajoaa-543	79	27	.	.	PUNCT
ajoaa-543	80	1	for	for	ADP
ajoaa-543	80	2	instance	instance	NOUN
ajoaa-543	80	3	,	,	PUNCT
ajoaa-543	80	4	when	when	SCONJ
ajoaa-543	80	5	a	a	DET
ajoaa-543	80	6	farmer	farmer	NOUN
ajoaa-543	80	7	for	for	ADP
ajoaa-543	80	8	any	any	DET
ajoaa-543	80	9	reason	reason	NOUN
ajoaa-543	80	10	is	be	AUX
ajoaa-543	80	11	prevented	prevent	VERB
ajoaa-543	80	12	by	by	ADP
ajoaa-543	80	13	his	his	PRON
ajoaa-543	80	14	/	/	SYM
ajoaa-543	80	15	her	her	PRON
ajoaa-543	80	16	colleagues	colleague	NOUN
ajoaa-543	80	17	from	from	ADP
ajoaa-543	80	18	joining	join	VERB
ajoaa-543	80	19	a	a	DET
ajoaa-543	80	20	solidarity	solidarity	NOUN
ajoaa-543	80	21	group	group	NOUN
ajoaa-543	80	22	for	for	ADP
ajoaa-543	80	23	credit	credit	NOUN
ajoaa-543	80	24	disbursement	disbursement	NOUN
ajoaa-543	80	25	,	,	PUNCT
ajoaa-543	80	26	then	then	ADV
ajoaa-543	80	27	,	,	PUNCT
ajoaa-543	80	28	selectivity	selectivity	NOUN
ajoaa-543	80	29	bias	bias	NOUN
ajoaa-543	80	30	is	be	AUX
ajoaa-543	80	31	introduced	introduce	VERB
ajoaa-543	80	32	.	.	PUNCT
ajoaa-543	81	1	better	well	ADV
ajoaa-543	81	2	still	still	ADV
ajoaa-543	81	3	,	,	PUNCT
ajoaa-543	81	4	when	when	SCONJ
ajoaa-543	81	5	credit	credit	NOUN
ajoaa-543	81	6	is	be	AUX
ajoaa-543	81	7	supplied	supply	VERB
ajoaa-543	81	8	to	to	ADP
ajoaa-543	81	9	farmers	farmer	NOUN
ajoaa-543	81	10	by	by	ADP
ajoaa-543	81	11	rural	rural	ADJ
ajoaa-543	81	12	banks	bank	NOUN
ajoaa-543	81	13	because	because	SCONJ
ajoaa-543	81	14	of	of	ADP
ajoaa-543	81	15	their	their	PRON
ajoaa-543	81	16	political	political	ADJ
ajoaa-543	81	17	or	or	CCONJ
ajoaa-543	81	18	religious	religious	ADJ
ajoaa-543	81	19	inclinations	inclination	NOUN
ajoaa-543	81	20	,	,	PUNCT
ajoaa-543	81	21	selectivity	selectivity	NOUN
ajoaa-543	81	22	bias	bias	NOUN
ajoaa-543	81	23	is	be	AUX
ajoaa-543	81	24	introduced	introduce	VERB
ajoaa-543	81	25	.	.	PUNCT
ajoaa-543	82	1	all	all	DET
ajoaa-543	82	2	these	these	PRON
ajoaa-543	82	3	affect	affect	VERB
ajoaa-543	82	4	the	the	DET
ajoaa-543	82	5	demand	demand	NOUN
ajoaa-543	82	6	and	and	CCONJ
ajoaa-543	82	7	supply	supply	NOUN
ajoaa-543	82	8	of	of	ADP
ajoaa-543	82	9	credit	credit	NOUN
ajoaa-543	82	10	.	.	PUNCT
ajoaa-543	83	1	to	to	PART
ajoaa-543	83	2	account	account	VERB
ajoaa-543	83	3	for	for	ADP
ajoaa-543	83	4	selectivity	selectivity	NOUN
ajoaa-543	83	5	bias	bias	NOUN
ajoaa-543	83	6	,	,	PUNCT
ajoaa-543	83	7	the	the	DET
ajoaa-543	83	8	inverse	inverse	NOUN
ajoaa-543	83	9	mills	mill	NOUN
ajoaa-543	83	10	ratio	ratio	NOUN
ajoaa-543	83	11	(	(	PUNCT
ajoaa-543	83	12	imr	imr	PROPN
ajoaa-543	83	13	)	)	PUNCT
ajoaa-543	83	14	was	be	AUX
ajoaa-543	83	15	computed	compute	VERB
ajoaa-543	83	16	from	from	ADP
ajoaa-543	83	17	the	the	DET
ajoaa-543	83	18	logit	logit	PROPN
ajoaa-543	83	19	model	model	NOUN
ajoaa-543	83	20	employed	employ	VERB
ajoaa-543	83	21	to	to	PART
ajoaa-543	83	22	estimate	estimate	VERB
ajoaa-543	83	23	the	the	DET
ajoaa-543	83	24	determinants	determinant	NOUN
ajoaa-543	83	25	of	of	ADP
ajoaa-543	83	26	farmers‟	farmers‟	NOUN
ajoaa-543	83	27	credit	credit	NOUN
ajoaa-543	83	28	demand	demand	NOUN
ajoaa-543	83	29	from	from	ADP
ajoaa-543	83	30	the	the	DET
ajoaa-543	83	31	rural	rural	ADJ
ajoaa-543	83	32	banks	bank	NOUN
ajoaa-543	83	33	.	.	PUNCT
ajoaa-543	84	1	this	this	PRON
ajoaa-543	84	2	means	mean	VERB
ajoaa-543	84	3	that	that	SCONJ
ajoaa-543	84	4	the	the	DET
ajoaa-543	84	5	decision	decision	NOUN
ajoaa-543	84	6	to	to	PART
ajoaa-543	84	7	demand	demand	VERB
ajoaa-543	84	8	credit	credit	NOUN
ajoaa-543	84	9	from	from	ADP
ajoaa-543	84	10	the	the	DET
ajoaa-543	84	11	rural	rural	ADJ
ajoaa-543	84	12	banks	bank	NOUN
ajoaa-543	84	13	by	by	ADP
ajoaa-543	84	14	the	the	DET
ajoaa-543	84	15	farmers	farmer	NOUN
ajoaa-543	84	16	may	may	AUX
ajoaa-543	84	17	not	not	PART
ajoaa-543	84	18	only	only	ADV
ajoaa-543	84	19	be	be	AUX
ajoaa-543	84	20	influenced	influence	VERB
ajoaa-543	84	21	by	by	ADP
ajoaa-543	84	22	those	those	DET
ajoaa-543	84	23	factors	factor	NOUN
ajoaa-543	84	24	specified	specify	VERB
ajoaa-543	84	25	in	in	ADP
ajoaa-543	84	26	the	the	DET
ajoaa-543	84	27	model	model	NOUN
ajoaa-543	84	28	but	but	CCONJ
ajoaa-543	84	29	also	also	ADV
ajoaa-543	84	30	by	by	ADP
ajoaa-543	84	31	factors	factor	NOUN
ajoaa-543	84	32	which	which	PRON
ajoaa-543	84	33	could	could	AUX
ajoaa-543	84	34	not	not	PART
ajoaa-543	84	35	be	be	AUX
ajoaa-543	84	36	captured	capture	VERB
ajoaa-543	84	37	by	by	ADP
ajoaa-543	84	38	the	the	DET
ajoaa-543	84	39	researcher	researcher	NOUN
ajoaa-543	84	40	.	.	PUNCT
ajoaa-543	85	1	for	for	ADP
ajoaa-543	85	2	instance	instance	NOUN
ajoaa-543	85	3	,	,	PUNCT
ajoaa-543	85	4	a	a	DET
ajoaa-543	85	5	farmer	farmer	NOUN
ajoaa-543	85	6	may	may	AUX
ajoaa-543	85	7	decide	decide	VERB
ajoaa-543	85	8	to	to	PART
ajoaa-543	85	9	demand	demand	VERB
ajoaa-543	85	10	credit	credit	NOUN
ajoaa-543	85	11	from	from	ADP
ajoaa-543	85	12	a	a	DET
ajoaa-543	85	13	rural	rural	ADJ
ajoaa-543	85	14	bank	bank	NOUN
ajoaa-543	85	15	because	because	SCONJ
ajoaa-543	85	16	he	he	PRON
ajoaa-543	85	17	/	/	PUNCT
ajoaa-543	85	18	she	she	PRON
ajoaa-543	85	19	is	be	AUX
ajoaa-543	85	20	a	a	DET
ajoaa-543	85	21	brother	brother	NOUN
ajoaa-543	85	22	/	/	SYM
ajoaa-543	85	23	sister	sister	NOUN
ajoaa-543	85	24	to	to	ADP
ajoaa-543	85	25	the	the	DET
ajoaa-543	85	26	credit	credit	NOUN
ajoaa-543	85	27	officer	officer	NOUN
ajoaa-543	85	28	of	of	ADP
ajoaa-543	85	29	that	that	DET
ajoaa-543	85	30	bank	bank	NOUN
ajoaa-543	85	31	.	.	PUNCT
ajoaa-543	86	1	the	the	DET
ajoaa-543	86	2	computed	computed	ADJ
ajoaa-543	86	3	imr	imr	NOUN
ajoaa-543	86	4	was	be	AUX
ajoaa-543	86	5	included	include	VERB
ajoaa-543	86	6	as	as	ADP
ajoaa-543	86	7	an	an	DET
ajoaa-543	86	8	explanatory	explanatory	ADJ
ajoaa-543	86	9	variable	variable	NOUN
ajoaa-543	86	10	to	to	PART
ajoaa-543	86	11	estimate	estimate	VERB
ajoaa-543	86	12	the	the	DET
ajoaa-543	86	13	determinants	determinant	NOUN
ajoaa-543	86	14	of	of	ADP
ajoaa-543	86	15	supply	supply	NOUN
ajoaa-543	86	16	of	of	ADP
ajoaa-543	86	17	credit	credit	NOUN
ajoaa-543	86	18	to	to	ADP
ajoaa-543	86	19	farmers	farmer	NOUN
ajoaa-543	86	20	by	by	ADP
ajoaa-543	86	21	the	the	DET
ajoaa-543	86	22	rural	rural	ADJ
ajoaa-543	86	23	banks	bank	NOUN
ajoaa-543	86	24	using	use	VERB
ajoaa-543	86	25	the	the	DET
ajoaa-543	86	26	tobit	tobit	NOUN
ajoaa-543	86	27	model	model	NOUN
ajoaa-543	86	28	in	in	ADP
ajoaa-543	86	29	the	the	DET
ajoaa-543	86	30	second	second	ADJ
ajoaa-543	86	31	level	level	NOUN
ajoaa-543	86	32	of	of	ADP
ajoaa-543	86	33	analysis	analysis	NOUN
ajoaa-543	86	34	.	.	PUNCT
ajoaa-543	87	1	a	a	DET
ajoaa-543	87	2	significant	significant	ADJ
ajoaa-543	87	3	imr	imr	NOUN
ajoaa-543	87	4	implies	imply	VERB
ajoaa-543	87	5	presence	presence	NOUN
ajoaa-543	87	6	of	of	ADP
ajoaa-543	87	7	selectivity	selectivity	NOUN
ajoaa-543	87	8	bias	bias	NOUN
ajoaa-543	87	9	and	and	CCONJ
ajoaa-543	87	10	the	the	DET
ajoaa-543	87	11	vice	vice	NOUN
ajoaa-543	87	12	versa	versa	ADV
ajoaa-543	87	13	.	.	PUNCT
ajoaa-543	88	1	the	the	DET
ajoaa-543	88	2	logit	logit	PROPN
ajoaa-543	88	3	model	model	NOUN
ajoaa-543	88	4	(	(	PUNCT
ajoaa-543	88	5	amemiya	amemiya	NOUN
ajoaa-543	88	6	,	,	PUNCT
ajoaa-543	88	7	1981	1981	NUM
ajoaa-543	88	8	)	)	PUNCT
ajoaa-543	88	9	as	as	SCONJ
ajoaa-543	88	10	stated	state	VERB
ajoaa-543	88	11	earlier	early	ADV
ajoaa-543	88	12	was	be	AUX
ajoaa-543	88	13	employed	employ	VERB
ajoaa-543	88	14	to	to	PART
ajoaa-543	88	15	examine	examine	VERB
ajoaa-543	88	16	the	the	DET
ajoaa-543	88	17	determinants	determinant	NOUN
ajoaa-543	88	18	of	of	ADP
ajoaa-543	88	19	credit	credit	NOUN
ajoaa-543	88	20	demand	demand	NOUN
ajoaa-543	88	21	by	by	ADP
ajoaa-543	88	22	farmers	farmer	NOUN
ajoaa-543	88	23	from	from	ADP
ajoaa-543	88	24	the	the	DET
ajoaa-543	88	25	rural	rural	ADJ
ajoaa-543	88	26	banks	bank	NOUN
ajoaa-543	88	27	.	.	PUNCT
ajoaa-543	89	1	the	the	DET
ajoaa-543	89	2	study	study	NOUN
ajoaa-543	89	3	used	use	VERB
ajoaa-543	89	4	the	the	DET
ajoaa-543	89	5	threshold	threshold	NOUN
ajoaa-543	89	6	decision	decision	NOUN
ajoaa-543	89	7	-	-	PUNCT
ajoaa-543	89	8	making	make	VERB
ajoaa-543	89	9	theory	theory	NOUN
ajoaa-543	89	10	proposed	propose	VERB
ajoaa-543	89	11	by	by	ADP
ajoaa-543	89	12	hill	hill	PROPN
ajoaa-543	89	13	and	and	CCONJ
ajoaa-543	89	14	kau	kau	PROPN
ajoaa-543	89	15	(	(	PUNCT
ajoaa-543	89	16	1973	1973	NUM
ajoaa-543	89	17	)	)	PUNCT
ajoaa-543	89	18	and	and	CCONJ
ajoaa-543	89	19	pindyck	pindyck	VERB
ajoaa-543	89	20	and	and	CCONJ
ajoaa-543	89	21	rubinfeld	rubinfeld	NOUN
ajoaa-543	89	22	(	(	PUNCT
ajoaa-543	89	23	1998	1998	NUM
ajoaa-543	89	24	)	)	PUNCT
ajoaa-543	89	25	to	to	PART
ajoaa-543	89	26	analyse	analyse	VERB
ajoaa-543	89	27	the	the	DET
ajoaa-543	89	28	determinants	determinant	NOUN
ajoaa-543	89	29	of	of	ADP
ajoaa-543	89	30	credit	credit	NOUN
ajoaa-543	89	31	demand	demand	NOUN
ajoaa-543	89	32	by	by	ADP
ajoaa-543	89	33	farmers	farmer	NOUN
ajoaa-543	89	34	.	.	PUNCT
ajoaa-543	90	1	the	the	DET
ajoaa-543	90	2	theory	theory	NOUN
ajoaa-543	90	3	points	point	VERB
ajoaa-543	90	4	out	out	ADP
ajoaa-543	90	5	the	the	DET
ajoaa-543	90	6	fact	fact	NOUN
ajoaa-543	90	7	that	that	SCONJ
ajoaa-543	90	8	when	when	SCONJ
ajoaa-543	90	9	farmers	farmer	NOUN
ajoaa-543	90	10	are	be	AUX
ajoaa-543	90	11	faced	face	VERB
ajoaa-543	90	12	with	with	ADP
ajoaa-543	90	13	a	a	DET
ajoaa-543	90	14	decision	decision	NOUN
ajoaa-543	90	15	to	to	PART
ajoaa-543	90	16	adopt	adopt	VERB
ajoaa-543	90	17	or	or	CCONJ
ajoaa-543	90	18	not	not	PART
ajoaa-543	90	19	to	to	PART
ajoaa-543	90	20	adopt	adopt	VERB
ajoaa-543	90	21	an	an	DET
ajoaa-543	90	22	innovation	innovation	NOUN
ajoaa-543	90	23	,	,	PUNCT
ajoaa-543	90	24	in	in	ADP
ajoaa-543	90	25	this	this	DET
ajoaa-543	90	26	case	case	NOUN
ajoaa-543	90	27	demand	demand	NOUN
ajoaa-543	90	28	credit	credit	NOUN
ajoaa-543	90	29	from	from	ADP
ajoaa-543	90	30	rural	rural	ADJ
ajoaa-543	90	31	banks	bank	NOUN
ajoaa-543	90	32	,	,	PUNCT
ajoaa-543	90	33	every	every	DET
ajoaa-543	90	34	farmer	farmer	NOUN
ajoaa-543	90	35	has	have	AUX
ajoaa-543	90	36	a	a	DET
ajoaa-543	90	37	reaction	reaction	NOUN
ajoaa-543	90	38	threshold	threshold	NOUN
ajoaa-543	90	39	,	,	PUNCT
ajoaa-543	90	40	which	which	PRON
ajoaa-543	90	41	is	be	AUX
ajoaa-543	90	42	dependent	dependent	ADJ
ajoaa-543	90	43	on	on	ADP
ajoaa-543	90	44	a	a	DET
ajoaa-543	90	45	certain	certain	ADJ
ajoaa-543	90	46	set	set	NOUN
ajoaa-543	90	47	of	of	ADP
ajoaa-543	90	48	factors	factor	NOUN
ajoaa-543	90	49	.	.	PUNCT
ajoaa-543	91	1	as	as	ADP
ajoaa-543	91	2	such	such	ADJ
ajoaa-543	91	3	,	,	PUNCT
ajoaa-543	91	4	at	at	ADP
ajoaa-543	91	5	a	a	DET
ajoaa-543	91	6	certain	certain	ADJ
ajoaa-543	91	7	value	value	NOUN
ajoaa-543	91	8	of	of	ADP
ajoaa-543	91	9	stimulus	stimulus	NOUN
ajoaa-543	91	10	below	below	ADP
ajoaa-543	91	11	the	the	DET
ajoaa-543	91	12	threshold	threshold	NOUN
ajoaa-543	91	13	,	,	PUNCT
ajoaa-543	91	14	no	no	DET
ajoaa-543	91	15	adoption	adoption	NOUN
ajoaa-543	91	16	is	be	AUX
ajoaa-543	91	17	observed	observe	VERB
ajoaa-543	91	18	while	while	SCONJ
ajoaa-543	91	19	at	at	ADP
ajoaa-543	91	20	the	the	DET
ajoaa-543	91	21	critical	critical	ADJ
ajoaa-543	91	22	threshold	threshold	NOUN
ajoaa-543	91	23	value	value	NOUN
ajoaa-543	91	24	,	,	PUNCT
ajoaa-543	91	25	a	a	DET
ajoaa-543	91	26	reaction	reaction	NOUN
ajoaa-543	91	27	is	be	AUX
ajoaa-543	91	28	stimulated	stimulate	VERB
ajoaa-543	91	29	.	.	PUNCT
ajoaa-543	92	1	such	such	ADJ
ajoaa-543	92	2	phenomena	phenomenon	NOUN
ajoaa-543	92	3	are	be	AUX
ajoaa-543	92	4	generally	generally	ADV
ajoaa-543	92	5	modeled	model	VERB
ajoaa-543	92	6	using	use	VERB
ajoaa-543	92	7	the	the	DET
ajoaa-543	92	8	relationship	relationship	NOUN
ajoaa-543	92	9	:	:	PUNCT
ajoaa-543	92	10	(	(	PUNCT
ajoaa-543	92	11	1	1	X
ajoaa-543	92	12	)	)	PUNCT
ajoaa-543	92	13	where	where	SCONJ
ajoaa-543	92	14	yi	yi	PROPN
ajoaa-543	92	15	is	be	AUX
ajoaa-543	92	16	equal	equal	ADJ
ajoaa-543	92	17	to	to	ADP
ajoaa-543	92	18	one	one	NUM
ajoaa-543	92	19	(	(	PUNCT
ajoaa-543	92	20	1	1	NUM
ajoaa-543	92	21	)	)	PUNCT
ajoaa-543	92	22	when	when	SCONJ
ajoaa-543	92	23	a	a	DET
ajoaa-543	92	24	choice	choice	NOUN
ajoaa-543	92	25	is	be	AUX
ajoaa-543	92	26	made	make	VERB
ajoaa-543	92	27	to	to	PART
ajoaa-543	92	28	adopt	adopt	VERB
ajoaa-543	92	29	and	and	CCONJ
ajoaa-543	92	30	zero	zero	NUM
ajoaa-543	92	31	(	(	PUNCT
ajoaa-543	92	32	0	0	NUM
ajoaa-543	92	33	)	)	PUNCT
ajoaa-543	92	34	otherwise	otherwise	ADV
ajoaa-543	92	35	;	;	PUNCT
ajoaa-543	92	36	this	this	PRON
ajoaa-543	92	37	means	mean	VERB
ajoaa-543	92	38	:	:	PUNCT
ajoaa-543	92	39	yi	yi	NOUN
ajoaa-543	92	40	=	=	PUNCT
ajoaa-543	92	41	1	1	NUM
ajoaa-543	92	42	if	if	SCONJ
ajoaa-543	92	43	xi	xi	PROPN
ajoaa-543	92	44	is	be	AUX
ajoaa-543	92	45	greater	great	ADJ
ajoaa-543	92	46	than	than	ADP
ajoaa-543	92	47	or	or	CCONJ
ajoaa-543	92	48	equal	equal	ADJ
ajoaa-543	92	49	to	to	ADP
ajoaa-543	92	50	a	a	DET
ajoaa-543	92	51	critical	critical	ADJ
ajoaa-543	92	52	value	value	NOUN
ajoaa-543	92	53	,	,	PUNCT
ajoaa-543	92	54	x	x	PUNCT
ajoaa-543	92	55	*	*	PUNCT
ajoaa-543	92	56	and	and	CCONJ
ajoaa-543	92	57	yi	yi	X
ajoaa-543	93	1	=	=	NOUN
ajoaa-543	93	2	0	0	PUNCT
ajoaa-543	94	1	if	if	SCONJ
ajoaa-543	94	2	xi	xi	PROPN
ajoaa-543	94	3	is	be	AUX
ajoaa-543	94	4	less	less	ADJ
ajoaa-543	94	5	than	than	ADP
ajoaa-543	94	6	a	a	DET
ajoaa-543	94	7	critical	critical	ADJ
ajoaa-543	94	8	value	value	NOUN
ajoaa-543	94	9	,	,	PUNCT
ajoaa-543	94	10	x	x	PUNCT
ajoaa-543	94	11	*	*	PUNCT
ajoaa-543	94	12	note	note	VERB
ajoaa-543	94	13	that	that	SCONJ
ajoaa-543	94	14	x	x	PRON
ajoaa-543	94	15	*	*	PUNCT
ajoaa-543	94	16	represents	represent	VERB
ajoaa-543	94	17	the	the	DET
ajoaa-543	94	18	combined	combine	VERB
ajoaa-543	94	19	effects	effect	NOUN
ajoaa-543	94	20	of	of	ADP
ajoaa-543	94	21	the	the	DET
ajoaa-543	94	22	independent	independent	ADJ
ajoaa-543	94	23	variables	variable	NOUN
ajoaa-543	94	24	(	(	PUNCT
ajoaa-543	94	25	)	)	PUNCT
ajoaa-543	94	26	at	at	ADP
ajoaa-543	94	27	the	the	DET
ajoaa-543	94	28	threshold	threshold	NOUN
ajoaa-543	94	29	level	level	NOUN
ajoaa-543	94	30	.	.	PUNCT
ajoaa-543	95	1	equation	equation	NOUN
ajoaa-543	95	2	1	1	NUM
ajoaa-543	95	3	represents	represent	VERB
ajoaa-543	95	4	a	a	DET
ajoaa-543	95	5	binary	binary	ADJ
ajoaa-543	95	6	choice	choice	NOUN
ajoaa-543	95	7	model	model	NOUN
ajoaa-543	95	8	involving	involve	VERB
ajoaa-543	95	9	the	the	DET
ajoaa-543	95	10	estimation	estimation	NOUN
ajoaa-543	95	11	of	of	ADP
ajoaa-543	95	12	the	the	DET
ajoaa-543	95	13	probability	probability	NOUN
ajoaa-543	95	14	of	of	ADP
ajoaa-543	95	15	adoption	adoption	NOUN
ajoaa-543	95	16	of	of	ADP
ajoaa-543	95	17	a	a	DET
ajoaa-543	95	18	given	give	VERB
ajoaa-543	95	19	technology	technology	NOUN
ajoaa-543	95	20	,	,	PUNCT
ajoaa-543	95	21	innovation	innovation	NOUN
ajoaa-543	95	22	or	or	CCONJ
ajoaa-543	95	23	intervention	intervention	NOUN
ajoaa-543	95	24	(	(	PUNCT
ajoaa-543	95	25	y	y	NOUN
ajoaa-543	95	26	)	)	PUNCT
ajoaa-543	95	27	as	as	ADP
ajoaa-543	95	28	a	a	DET
ajoaa-543	95	29	function	function	NOUN
ajoaa-543	95	30	of	of	ADP
ajoaa-543	95	31	independent	independent	ADJ
ajoaa-543	95	32	variables	variable	NOUN
ajoaa-543	95	33	(	(	PUNCT
ajoaa-543	95	34	x	x	NOUN
ajoaa-543	95	35	)	)	PUNCT
ajoaa-543	95	36	.	.	PUNCT
ajoaa-543	96	1	mathematically	mathematically	ADV
ajoaa-543	96	2	,	,	PUNCT
ajoaa-543	96	3	this	this	PRON
ajoaa-543	96	4	is	be	AUX
ajoaa-543	96	5	represented	represent	VERB
ajoaa-543	96	6	as	as	ADP
ajoaa-543	96	7	:	:	PUNCT
ajoaa-543	96	8	(	(	PUNCT
ajoaa-543	96	9	)	)	PUNCT
ajoaa-543	96	10	(	(	PUNCT
ajoaa-543	96	11	)	)	PUNCT
ajoaa-543	96	12	(	(	PUNCT
ajoaa-543	96	13	2	2	X
ajoaa-543	96	14	)	)	PUNCT
ajoaa-543	96	15	(	(	PUNCT
ajoaa-543	96	16	)	)	PUNCT
ajoaa-543	96	17	(	(	PUNCT
ajoaa-543	96	18	)	)	PUNCT
ajoaa-543	96	19	(	(	PUNCT
ajoaa-543	96	20	3	3	X
ajoaa-543	96	21	)	)	PUNCT
ajoaa-543	96	22	where	where	SCONJ
ajoaa-543	96	23	yi	yi	PROPN
ajoaa-543	96	24	is	be	AUX
ajoaa-543	96	25	the	the	DET
ajoaa-543	96	26	observed	observed	ADJ
ajoaa-543	96	27	response	response	NOUN
ajoaa-543	96	28	for	for	ADP
ajoaa-543	96	29	the	the	DET
ajoaa-543	96	30	i	i	NOUN
ajoaa-543	96	31	th	th	NOUN
ajoaa-543	96	32	observation	observation	NOUN
ajoaa-543	96	33	of	of	ADP
ajoaa-543	96	34	the	the	DET
ajoaa-543	96	35	response	response	NOUN
ajoaa-543	96	36	variable	variable	NOUN
ajoaa-543	96	37	,	,	PUNCT
ajoaa-543	96	38	y.	y.	NOUN
ajoaa-543	96	39	this	this	PRON
ajoaa-543	96	40	means	mean	VERB
ajoaa-543	96	41	that	that	SCONJ
ajoaa-543	96	42	yi	yi	NOUN
ajoaa-543	96	43	=	=	NOUN
ajoaa-543	96	44	1	1	NUM
ajoaa-543	96	45	for	for	ADP
ajoaa-543	96	46	an	an	DET
ajoaa-543	96	47	adopter	adopter	NOUN
ajoaa-543	96	48	(	(	PUNCT
ajoaa-543	96	49	i.e.	i.e.	X
ajoaa-543	96	50	farmers	farmer	NOUN
ajoaa-543	96	51	who	who	PRON
ajoaa-543	96	52	decide	decide	VERB
ajoaa-543	96	53	to	to	PART
ajoaa-543	96	54	demand	demand	VERB
ajoaa-543	96	55	credit	credit	NOUN
ajoaa-543	96	56	from	from	ADP
ajoaa-543	96	57	the	the	DET
ajoaa-543	96	58	rural	rural	ADJ
ajoaa-543	96	59	banks	bank	NOUN
ajoaa-543	96	60	)	)	PUNCT
ajoaa-543	96	61	and	and	CCONJ
ajoaa-543	96	62	yi	yi	NOUN
ajoaa-543	96	63	=	=	NOUN
ajoaa-543	96	64	0	0	NUM
ajoaa-543	96	65	for	for	ADP
ajoaa-543	96	66	a	a	DET
ajoaa-543	96	67	non	non	ADJ
ajoaa-543	96	68	-	-	ADJ
ajoaa-543	96	69	adopter	adopter	ADJ
ajoaa-543	96	70	(	(	PUNCT
ajoaa-543	96	71	i.e.	i.e.	X
ajoaa-543	96	72	farmers	farmer	NOUN
ajoaa-543	96	73	who	who	PRON
ajoaa-543	96	74	decide	decide	VERB
ajoaa-543	96	75	not	not	PART
ajoaa-543	96	76	to	to	PART
ajoaa-543	96	77	demand	demand	VERB
ajoaa-543	96	78	credit	credit	NOUN
ajoaa-543	96	79	from	from	ADP
ajoaa-543	96	80	the	the	DET
ajoaa-543	96	81	rural	rural	ADJ
ajoaa-543	96	82	banks	bank	NOUN
ajoaa-543	96	83	)	)	PUNCT
ajoaa-543	96	84	.	.	PUNCT
ajoaa-543	97	1	xi	xi	PROPN
ajoaa-543	97	2	is	be	AUX
ajoaa-543	97	3	a	a	DET
ajoaa-543	97	4	set	set	NOUN
ajoaa-543	97	5	of	of	ADP
ajoaa-543	97	6	independent	independent	ADJ
ajoaa-543	97	7	variables	variable	NOUN
ajoaa-543	97	8	such	such	ADJ
ajoaa-543	97	9	as	as	ADP
ajoaa-543	97	10	literacy	literacy	NOUN
ajoaa-543	97	11	,	,	PUNCT
ajoaa-543	97	12	farm	farm	NOUN
ajoaa-543	97	13	size	size	NOUN
ajoaa-543	97	14	,	,	PUNCT
ajoaa-543	97	15	gender	gender	NOUN
ajoaa-543	97	16	,	,	PUNCT
ajoaa-543	97	17	interest	interest	NOUN
ajoaa-543	97	18	rate	rate	NOUN
ajoaa-543	97	19	charged	charge	VERB
ajoaa-543	97	20	and	and	CCONJ
ajoaa-543	97	21	distance	distance	NOUN
ajoaa-543	97	22	from	from	ADP
ajoaa-543	97	23	residence	residence	NOUN
ajoaa-543	97	24	of	of	ADP
ajoaa-543	97	25	farmers	farmer	NOUN
ajoaa-543	97	26	to	to	ADP
ajoaa-543	97	27	the	the	DET
ajoaa-543	97	28	rural	rural	ADJ
ajoaa-543	97	29	banks	bank	NOUN
ajoaa-543	97	30	among	among	ADP
ajoaa-543	97	31	others	other	NOUN
ajoaa-543	97	32	,	,	PUNCT
ajoaa-543	97	33	associated	associate	VERB
ajoaa-543	97	34	with	with	ADP
ajoaa-543	97	35	the	the	DET
ajoaa-543	97	36	i	i	PROPN
ajoaa-543	97	37	th	th	PROPN
ajoaa-543	97	38	individual	individual	NOUN
ajoaa-543	97	39	,	,	PUNCT
ajoaa-543	97	40	which	which	PRON
ajoaa-543	97	41	determine	determine	VERB
ajoaa-543	97	42	the	the	DET
ajoaa-543	97	43	probability	probability	NOUN
ajoaa-543	97	44	of	of	ADP
ajoaa-543	97	45	adoption	adoption	NOUN
ajoaa-543	97	46	(	(	PUNCT
ajoaa-543	97	47	i.e.	i.e.	X
ajoaa-543	97	48	making	make	VERB
ajoaa-543	97	49	the	the	DET
ajoaa-543	97	50	decision	decision	NOUN
ajoaa-543	97	51	to	to	PART
ajoaa-543	97	52	demand	demand	VERB
ajoaa-543	97	53	credit	credit	NOUN
ajoaa-543	97	54	)	)	PUNCT
ajoaa-543	97	55	,	,	PUNCT
ajoaa-543	97	56	(	(	PUNCT
ajoaa-543	97	57	p	p	NOUN
ajoaa-543	97	58	)	)	PUNCT
ajoaa-543	97	59	.	.	PUNCT
ajoaa-543	98	1	the	the	DET
ajoaa-543	98	2	function	function	NOUN
ajoaa-543	98	3	,	,	PUNCT
ajoaa-543	98	4	f	f	PROPN
ajoaa-543	98	5	may	may	AUX
ajoaa-543	98	6	take	take	VERB
ajoaa-543	98	7	the	the	DET
ajoaa-543	98	8	form	form	NOUN
ajoaa-543	98	9	of	of	ADP
ajoaa-543	98	10	a	a	DET
ajoaa-543	98	11	normal	normal	ADJ
ajoaa-543	98	12	,	,	PUNCT
ajoaa-543	98	13	logistic	logistic	ADJ
ajoaa-543	98	14	or	or	CCONJ
ajoaa-543	98	15	probability	probability	NOUN
ajoaa-543	98	16	function	function	NOUN
ajoaa-543	98	17	.	.	PUNCT
ajoaa-543	99	1	the	the	DET
ajoaa-543	99	2	logit	logit	PROPN
ajoaa-543	99	3	model	model	NOUN
ajoaa-543	99	4	uses	use	VERB
ajoaa-543	99	5	a	a	DET
ajoaa-543	99	6	logistic	logistic	ADJ
ajoaa-543	99	7	cumulative	cumulative	ADJ
ajoaa-543	99	8	distributive	distributive	ADJ
ajoaa-543	99	9	function	function	NOUN
ajoaa-543	99	10	to	to	PART
ajoaa-543	99	11	estimate	estimate	VERB
ajoaa-543	99	12	,	,	PUNCT
ajoaa-543	99	13	p	p	NOUN
ajoaa-543	99	14	as	as	SCONJ
ajoaa-543	99	15	follows	follow	VERB
ajoaa-543	99	16	(	(	PUNCT
ajoaa-543	99	17	pindyck	pindyck	ADJ
ajoaa-543	99	18	and	and	CCONJ
ajoaa-543	99	19	rubinfeld	rubinfeld	NOUN
ajoaa-543	99	20	,	,	PUNCT
ajoaa-543	99	21	1998	1998	NUM
ajoaa-543	99	22	):	):	PUNCT
ajoaa-543	99	23	asian	asian	ADJ
ajoaa-543	99	24	journal	journal	NOUN
ajoaa-543	99	25	of	of	ADP
ajoaa-543	99	26	agriculture	agriculture	NOUN
ajoaa-543	99	27	and	and	CCONJ
ajoaa-543	99	28	rural	rural	ADJ
ajoaa-543	99	29	development	development	NOUN
ajoaa-543	99	30	,	,	PUNCT
ajoaa-543	99	31	2(2	2(2	NUM
ajoaa-543	99	32	)	)	PUNCT
ajoaa-543	99	33	,	,	PUNCT
ajoaa-543	99	34	pp	pp	ADP
ajoaa-543	99	35	.	.	PUNCT
ajoaa-543	100	1	189	189	NUM
ajoaa-543	100	2	-	-	SYM
ajoaa-543	100	3	200	200	NUM
ajoaa-543	100	4	192	192	NUM
ajoaa-543	100	5	(	(	PUNCT
ajoaa-543	100	6	)	)	PUNCT
ajoaa-543	100	7	(	(	PUNCT
ajoaa-543	100	8	4	4	NUM
ajoaa-543	100	9	)	)	PUNCT
ajoaa-543	100	10	(	(	PUNCT
ajoaa-543	100	11	)	)	PUNCT
ajoaa-543	100	12	(	(	PUNCT
ajoaa-543	100	13	5	5	NUM
ajoaa-543	100	14	)	)	PUNCT
ajoaa-543	100	15	according	accord	VERB
ajoaa-543	100	16	to	to	ADP
ajoaa-543	100	17	greene	greene	PROPN
ajoaa-543	100	18	(	(	PUNCT
ajoaa-543	100	19	2008	2008	NUM
ajoaa-543	100	20	)	)	PUNCT
ajoaa-543	100	21	,	,	PUNCT
ajoaa-543	100	22	the	the	DET
ajoaa-543	100	23	probability	probability	NOUN
ajoaa-543	100	24	model	model	NOUN
ajoaa-543	100	25	is	be	AUX
ajoaa-543	100	26	a	a	DET
ajoaa-543	100	27	regression	regression	NOUN
ajoaa-543	100	28	of	of	ADP
ajoaa-543	100	29	the	the	DET
ajoaa-543	100	30	conditional	conditional	ADJ
ajoaa-543	100	31	expectation	expectation	NOUN
ajoaa-543	100	32	of	of	ADP
ajoaa-543	100	33	y	y	NOUN
ajoaa-543	100	34	on	on	ADP
ajoaa-543	100	35	x	x	PUNCT
ajoaa-543	100	36	giving	give	VERB
ajoaa-543	100	37	:	:	PUNCT
ajoaa-543	100	38	(	(	PUNCT
ajoaa-543	100	39	)	)	PUNCT
ajoaa-543	100	40	(	(	PUNCT
ajoaa-543	100	41	)	)	PUNCT
ajoaa-543	100	42	(	(	PUNCT
ajoaa-543	100	43	)	)	PUNCT
ajoaa-543	100	44	(	(	PUNCT
ajoaa-543	100	45	)	)	PUNCT
ajoaa-543	100	46	(	(	PUNCT
ajoaa-543	100	47	6	6	NUM
ajoaa-543	100	48	)	)	PUNCT
ajoaa-543	100	49	since	since	SCONJ
ajoaa-543	100	50	the	the	DET
ajoaa-543	100	51	model	model	NOUN
ajoaa-543	100	52	is	be	AUX
ajoaa-543	100	53	non	non	ADJ
ajoaa-543	100	54	-	-	ADJ
ajoaa-543	100	55	linear	linear	ADJ
ajoaa-543	100	56	,	,	PUNCT
ajoaa-543	100	57	the	the	DET
ajoaa-543	100	58	parameters	parameter	NOUN
ajoaa-543	100	59	are	be	AUX
ajoaa-543	100	60	not	not	PART
ajoaa-543	100	61	necessarily	necessarily	ADV
ajoaa-543	100	62	the	the	DET
ajoaa-543	100	63	marginal	marginal	ADJ
ajoaa-543	100	64	effects	effect	NOUN
ajoaa-543	100	65	of	of	ADP
ajoaa-543	100	66	the	the	DET
ajoaa-543	100	67	various	various	ADJ
ajoaa-543	100	68	independent	independent	ADJ
ajoaa-543	100	69	variables	variable	NOUN
ajoaa-543	100	70	.	.	PUNCT
ajoaa-543	101	1	the	the	DET
ajoaa-543	101	2	relative	relative	ADJ
ajoaa-543	101	3	effect	effect	NOUN
ajoaa-543	101	4	of	of	ADP
ajoaa-543	101	5	each	each	PRON
ajoaa-543	101	6	of	of	ADP
ajoaa-543	101	7	the	the	DET
ajoaa-543	101	8	independent	independent	ADJ
ajoaa-543	101	9	variables	variable	NOUN
ajoaa-543	101	10	on	on	ADP
ajoaa-543	101	11	the	the	DET
ajoaa-543	101	12	probability	probability	NOUN
ajoaa-543	101	13	of	of	ADP
ajoaa-543	101	14	adoption	adoption	NOUN
ajoaa-543	101	15	(	(	PUNCT
ajoaa-543	101	16	i.e.	i.e.	X
ajoaa-543	101	17	making	make	VERB
ajoaa-543	101	18	the	the	DET
ajoaa-543	101	19	decision	decision	NOUN
ajoaa-543	101	20	to	to	PART
ajoaa-543	101	21	demand	demand	VERB
ajoaa-543	101	22	credit	credit	NOUN
ajoaa-543	101	23	)	)	PUNCT
ajoaa-543	101	24	is	be	AUX
ajoaa-543	101	25	obtained	obtain	VERB
ajoaa-543	101	26	by	by	ADP
ajoaa-543	101	27	differentiating	differentiate	VERB
ajoaa-543	101	28	equation	equation	NOUN
ajoaa-543	101	29	(	(	PUNCT
ajoaa-543	101	30	6	6	NUM
ajoaa-543	101	31	)	)	PUNCT
ajoaa-543	101	32	with	with	ADP
ajoaa-543	101	33	respect	respect	NOUN
ajoaa-543	101	34	to	to	ADP
ajoaa-543	101	35	xij	xij	PROPN
ajoaa-543	101	36	resulting	result	VERB
ajoaa-543	101	37	in	in	ADP
ajoaa-543	101	38	equation	equation	NOUN
ajoaa-543	101	39	(	(	PUNCT
ajoaa-543	101	40	7	7	NUM
ajoaa-543	101	41	)	)	PUNCT
ajoaa-543	101	42	(	(	PUNCT
ajoaa-543	101	43	greene	greene	PROPN
ajoaa-543	101	44	,	,	PUNCT
ajoaa-543	101	45	2008	2008	NUM
ajoaa-543	101	46	):	):	PUNCT
ajoaa-543	101	47	[	[	PUNCT
ajoaa-543	101	48	(	(	PUNCT
ajoaa-543	101	49	)	)	PUNCT
ajoaa-543	101	50	]	]	PUNCT
ajoaa-543	102	1	(	(	PUNCT
ajoaa-543	102	2	)	)	PUNCT
ajoaa-543	102	3	(	(	PUNCT
ajoaa-543	102	4	)	)	PUNCT
ajoaa-543	102	5	(	(	PUNCT
ajoaa-543	102	6	7	7	X
ajoaa-543	102	7	)	)	PUNCT
ajoaa-543	102	8	the	the	DET
ajoaa-543	102	9	maximum	maximum	ADJ
ajoaa-543	102	10	likelihood	likelihood	NOUN
ajoaa-543	102	11	method	method	NOUN
ajoaa-543	102	12	was	be	AUX
ajoaa-543	102	13	used	use	VERB
ajoaa-543	102	14	to	to	PART
ajoaa-543	102	15	estimate	estimate	VERB
ajoaa-543	102	16	the	the	DET
ajoaa-543	102	17	parameters	parameter	NOUN
ajoaa-543	102	18	.	.	PUNCT
ajoaa-543	103	1	the	the	DET
ajoaa-543	103	2	implication	implication	NOUN
ajoaa-543	103	3	for	for	ADP
ajoaa-543	103	4	applying	apply	VERB
ajoaa-543	103	5	the	the	DET
ajoaa-543	103	6	logit	logit	NOUN
ajoaa-543	103	7	model	model	NOUN
ajoaa-543	103	8	in	in	ADP
ajoaa-543	103	9	this	this	DET
ajoaa-543	103	10	paper	paper	NOUN
ajoaa-543	103	11	is	be	AUX
ajoaa-543	103	12	that	that	SCONJ
ajoaa-543	103	13	,	,	PUNCT
ajoaa-543	103	14	the	the	DET
ajoaa-543	103	15	farmer	farmer	NOUN
ajoaa-543	103	16	would	would	AUX
ajoaa-543	103	17	decide	decide	VERB
ajoaa-543	103	18	to	to	PART
ajoaa-543	103	19	demand	demand	VERB
ajoaa-543	103	20	credit	credit	NOUN
ajoaa-543	103	21	from	from	ADP
ajoaa-543	103	22	the	the	DET
ajoaa-543	103	23	rural	rural	ADJ
ajoaa-543	103	24	bank	bank	NOUN
ajoaa-543	103	25	at	at	ADP
ajoaa-543	103	26	a	a	DET
ajoaa-543	103	27	given	give	VERB
ajoaa-543	103	28	point	point	NOUN
ajoaa-543	103	29	in	in	ADP
ajoaa-543	103	30	time	time	NOUN
ajoaa-543	103	31	when	when	SCONJ
ajoaa-543	103	32	the	the	DET
ajoaa-543	103	33	combined	combined	ADJ
ajoaa-543	103	34	effects	effect	NOUN
ajoaa-543	103	35	of	of	ADP
ajoaa-543	103	36	certain	certain	ADJ
ajoaa-543	103	37	factors	factor	NOUN
ajoaa-543	103	38	exceed	exceed	VERB
ajoaa-543	103	39	the	the	DET
ajoaa-543	103	40	inherent	inherent	ADJ
ajoaa-543	103	41	resistance	resistance	NOUN
ajoaa-543	103	42	to	to	PART
ajoaa-543	103	43	change	change	VERB
ajoaa-543	103	44	in	in	ADP
ajoaa-543	103	45	him	he	PRON
ajoaa-543	103	46	/	/	SYM
ajoaa-543	103	47	her	she	PRON
ajoaa-543	103	48	.	.	PUNCT
ajoaa-543	104	1	the	the	DET
ajoaa-543	104	2	preference	preference	NOUN
ajoaa-543	104	3	for	for	ADP
ajoaa-543	104	4	the	the	DET
ajoaa-543	104	5	logistic	logistic	ADJ
ajoaa-543	104	6	regression	regression	NOUN
ajoaa-543	104	7	model	model	NOUN
ajoaa-543	104	8	to	to	ADP
ajoaa-543	104	9	the	the	DET
ajoaa-543	104	10	conventional	conventional	ADJ
ajoaa-543	104	11	linear	linear	NOUN
ajoaa-543	104	12	probability	probability	NOUN
ajoaa-543	104	13	regression	regression	NOUN
ajoaa-543	104	14	model	model	NOUN
ajoaa-543	104	15	in	in	ADP
ajoaa-543	104	16	analysing	analyse	VERB
ajoaa-543	104	17	the	the	DET
ajoaa-543	104	18	determinants	determinant	NOUN
ajoaa-543	104	19	of	of	ADP
ajoaa-543	104	20	farmers‟	farmers‟	NOUN
ajoaa-543	104	21	credit	credit	NOUN
ajoaa-543	104	22	demand	demand	NOUN
ajoaa-543	104	23	from	from	ADP
ajoaa-543	104	24	rural	rural	ADJ
ajoaa-543	104	25	banks	bank	NOUN
ajoaa-543	104	26	is	be	AUX
ajoaa-543	104	27	based	base	VERB
ajoaa-543	104	28	on	on	ADP
ajoaa-543	104	29	the	the	DET
ajoaa-543	104	30	fact	fact	NOUN
ajoaa-543	104	31	that	that	SCONJ
ajoaa-543	104	32	,	,	PUNCT
ajoaa-543	104	33	the	the	DET
ajoaa-543	104	34	parameter	parameter	NOUN
ajoaa-543	104	35	estimates	estimate	VERB
ajoaa-543	104	36	from	from	ADP
ajoaa-543	104	37	the	the	DET
ajoaa-543	104	38	former	former	ADJ
ajoaa-543	104	39	are	be	AUX
ajoaa-543	104	40	asymptotically	asymptotically	ADV
ajoaa-543	104	41	consistent	consistent	ADJ
ajoaa-543	104	42	and	and	CCONJ
ajoaa-543	104	43	efficient	efficient	ADJ
ajoaa-543	104	44	.	.	PUNCT
ajoaa-543	105	1	the	the	DET
ajoaa-543	105	2	estimation	estimation	NOUN
ajoaa-543	105	3	procedure	procedure	NOUN
ajoaa-543	105	4	employed	employ	VERB
ajoaa-543	105	5	also	also	ADV
ajoaa-543	105	6	resolves	resolve	VERB
ajoaa-543	105	7	the	the	DET
ajoaa-543	105	8	problem	problem	NOUN
ajoaa-543	105	9	of	of	ADP
ajoaa-543	105	10	heteroscedasticity	heteroscedasticity	NOUN
ajoaa-543	105	11	and	and	CCONJ
ajoaa-543	105	12	constrains	constrain	VERB
ajoaa-543	105	13	the	the	DET
ajoaa-543	105	14	conditional	conditional	ADJ
ajoaa-543	105	15	probability	probability	NOUN
ajoaa-543	105	16	of	of	ADP
ajoaa-543	105	17	making	make	VERB
ajoaa-543	105	18	the	the	DET
ajoaa-543	105	19	decision	decision	NOUN
ajoaa-543	105	20	to	to	PART
ajoaa-543	105	21	demand	demand	VERB
ajoaa-543	105	22	credit	credit	NOUN
ajoaa-543	105	23	to	to	PART
ajoaa-543	105	24	lie	lie	VERB
ajoaa-543	105	25	between	between	ADP
ajoaa-543	105	26	zero	zero	NUM
ajoaa-543	105	27	(	(	PUNCT
ajoaa-543	105	28	0	0	NUM
ajoaa-543	105	29	)	)	PUNCT
ajoaa-543	105	30	and	and	CCONJ
ajoaa-543	105	31	one	one	NUM
ajoaa-543	105	32	(	(	PUNCT
ajoaa-543	105	33	1	1	NUM
ajoaa-543	105	34	)	)	PUNCT
ajoaa-543	105	35	.	.	PUNCT
ajoaa-543	106	1	the	the	DET
ajoaa-543	106	2	main	main	ADJ
ajoaa-543	106	3	reason	reason	NOUN
ajoaa-543	106	4	for	for	ADP
ajoaa-543	106	5	choosing	choose	VERB
ajoaa-543	106	6	the	the	DET
ajoaa-543	106	7	logit	logit	PROPN
ajoaa-543	106	8	model	model	NOUN
ajoaa-543	106	9	over	over	ADP
ajoaa-543	106	10	the	the	DET
ajoaa-543	106	11	probit	probit	NOUN
ajoaa-543	106	12	model	model	NOUN
ajoaa-543	106	13	for	for	ADP
ajoaa-543	106	14	this	this	DET
ajoaa-543	106	15	paper	paper	NOUN
ajoaa-543	106	16	is	be	AUX
ajoaa-543	106	17	because	because	SCONJ
ajoaa-543	106	18	of	of	ADP
ajoaa-543	106	19	its	its	PRON
ajoaa-543	106	20	mathematical	mathematical	ADJ
ajoaa-543	106	21	convenience	convenience	NOUN
ajoaa-543	106	22	and	and	CCONJ
ajoaa-543	106	23	simplicity	simplicity	NOUN
ajoaa-543	106	24	(	(	PUNCT
ajoaa-543	106	25	greene	greene	PROPN
ajoaa-543	106	26	,	,	PUNCT
ajoaa-543	106	27	2008	2008	NUM
ajoaa-543	106	28	)	)	PUNCT
ajoaa-543	106	29	and	and	CCONJ
ajoaa-543	106	30	the	the	DET
ajoaa-543	106	31	fact	fact	NOUN
ajoaa-543	106	32	that	that	SCONJ
ajoaa-543	106	33	it	it	PRON
ajoaa-543	106	34	has	have	AUX
ajoaa-543	106	35	been	be	AUX
ajoaa-543	106	36	applied	apply	VERB
ajoaa-543	106	37	in	in	ADP
ajoaa-543	106	38	similar	similar	ADJ
ajoaa-543	106	39	studies	study	NOUN
ajoaa-543	106	40	by	by	ADP
ajoaa-543	106	41	akudugu	akudugu	ADP
ajoaa-543	106	42	et	et	PROPN
ajoaa-543	106	43	al	al	PROPN
ajoaa-543	106	44	.	.	PROPN
ajoaa-543	106	45	(	(	PUNCT
ajoaa-543	106	46	2009a	2009a	NUM
ajoaa-543	106	47	)	)	PUNCT
ajoaa-543	106	48	and	and	CCONJ
ajoaa-543	106	49	ayamga	ayamga	PROPN
ajoaa-543	106	50	et	et	PROPN
ajoaa-543	106	51	al	al	PROPN
ajoaa-543	106	52	.	.	PROPN
ajoaa-543	106	53	(	(	PUNCT
ajoaa-543	106	54	2006	2006	NUM
ajoaa-543	106	55	)	)	PUNCT
ajoaa-543	106	56	among	among	ADP
ajoaa-543	106	57	others	other	NOUN
ajoaa-543	106	58	.	.	PUNCT
ajoaa-543	107	1	the	the	DET
ajoaa-543	107	2	logit	logit	PROPN
ajoaa-543	107	3	model	model	NOUN
ajoaa-543	107	4	provides	provide	VERB
ajoaa-543	107	5	information	information	NOUN
ajoaa-543	107	6	only	only	ADV
ajoaa-543	107	7	with	with	ADP
ajoaa-543	107	8	respect	respect	NOUN
ajoaa-543	107	9	to	to	ADP
ajoaa-543	107	10	the	the	DET
ajoaa-543	107	11	farmers‟	farmers‟	NOUN
ajoaa-543	107	12	decision	decision	NOUN
ajoaa-543	107	13	to	to	PART
ajoaa-543	107	14	demand	demand	VERB
ajoaa-543	107	15	credit	credit	NOUN
ajoaa-543	107	16	from	from	ADP
ajoaa-543	107	17	the	the	DET
ajoaa-543	107	18	rural	rural	ADJ
ajoaa-543	107	19	banks	bank	NOUN
ajoaa-543	107	20	or	or	CCONJ
ajoaa-543	107	21	not	not	PART
ajoaa-543	107	22	to	to	PART
ajoaa-543	107	23	demand	demand	VERB
ajoaa-543	107	24	,	,	PUNCT
ajoaa-543	107	25	but	but	CCONJ
ajoaa-543	107	26	not	not	PART
ajoaa-543	107	27	on	on	ADP
ajoaa-543	107	28	the	the	DET
ajoaa-543	107	29	extent	extent	NOUN
ajoaa-543	107	30	of	of	ADP
ajoaa-543	107	31	supply	supply	NOUN
ajoaa-543	107	32	of	of	ADP
ajoaa-543	107	33	credit	credit	NOUN
ajoaa-543	107	34	by	by	ADP
ajoaa-543	107	35	the	the	DET
ajoaa-543	107	36	banks	bank	NOUN
ajoaa-543	107	37	after	after	SCONJ
ajoaa-543	107	38	their	their	PRON
ajoaa-543	107	39	demand	demand	NOUN
ajoaa-543	107	40	is	be	AUX
ajoaa-543	107	41	made	make	VERB
ajoaa-543	107	42	.	.	PUNCT
ajoaa-543	108	1	to	to	PART
ajoaa-543	108	2	estimate	estimate	VERB
ajoaa-543	108	3	the	the	DET
ajoaa-543	108	4	determinants	determinant	NOUN
ajoaa-543	108	5	of	of	ADP
ajoaa-543	108	6	the	the	DET
ajoaa-543	108	7	extent	extent	NOUN
ajoaa-543	108	8	of	of	ADP
ajoaa-543	108	9	supply	supply	NOUN
ajoaa-543	108	10	of	of	ADP
ajoaa-543	108	11	credit	credit	NOUN
ajoaa-543	108	12	to	to	ADP
ajoaa-543	108	13	farmers	farmer	NOUN
ajoaa-543	108	14	by	by	ADP
ajoaa-543	108	15	the	the	DET
ajoaa-543	108	16	rural	rural	ADJ
ajoaa-543	108	17	banks	bank	NOUN
ajoaa-543	108	18	,	,	PUNCT
ajoaa-543	108	19	the	the	DET
ajoaa-543	108	20	tobit	tobit	NOUN
ajoaa-543	108	21	model	model	NOUN
ajoaa-543	108	22	is	be	AUX
ajoaa-543	108	23	employed	employ	VERB
ajoaa-543	108	24	.	.	PUNCT
ajoaa-543	109	1	the	the	DET
ajoaa-543	109	2	tobit	tobit	NOUN
ajoaa-543	109	3	model	model	NOUN
ajoaa-543	109	4	allows	allow	VERB
ajoaa-543	109	5	us	we	PRON
ajoaa-543	109	6	to	to	PART
ajoaa-543	109	7	indentify	indentify	VERB
ajoaa-543	109	8	the	the	DET
ajoaa-543	109	9	factors	factor	NOUN
ajoaa-543	109	10	that	that	PRON
ajoaa-543	109	11	determine	determine	VERB
ajoaa-543	109	12	how	how	SCONJ
ajoaa-543	109	13	much	much	ADJ
ajoaa-543	109	14	credit	credit	NOUN
ajoaa-543	109	15	is	be	AUX
ajoaa-543	109	16	supplied	supply	VERB
ajoaa-543	109	17	to	to	ADP
ajoaa-543	109	18	every	every	DET
ajoaa-543	109	19	farmer	farmer	NOUN
ajoaa-543	109	20	who	who	PRON
ajoaa-543	109	21	applied	apply	VERB
ajoaa-543	109	22	for	for	ADP
ajoaa-543	109	23	it	it	PRON
ajoaa-543	109	24	from	from	ADP
ajoaa-543	109	25	the	the	DET
ajoaa-543	109	26	rural	rural	ADJ
ajoaa-543	109	27	banks	bank	NOUN
ajoaa-543	109	28	.	.	PUNCT
ajoaa-543	110	1	the	the	DET
ajoaa-543	110	2	tobit	tobit	NOUN
ajoaa-543	110	3	model	model	NOUN
ajoaa-543	110	4	was	be	AUX
ajoaa-543	110	5	developed	develop	VERB
ajoaa-543	110	6	by	by	ADP
ajoaa-543	110	7	tobin	tobin	PROPN
ajoaa-543	110	8	in	in	ADP
ajoaa-543	110	9	1958	1958	NUM
ajoaa-543	110	10	and	and	CCONJ
ajoaa-543	110	11	has	have	AUX
ajoaa-543	110	12	been	be	AUX
ajoaa-543	110	13	used	use	VERB
ajoaa-543	110	14	by	by	ADP
ajoaa-543	110	15	a	a	DET
ajoaa-543	110	16	number	number	NOUN
ajoaa-543	110	17	of	of	ADP
ajoaa-543	110	18	researchers	researcher	NOUN
ajoaa-543	110	19	including	include	VERB
ajoaa-543	110	20	oladele	oladele	PROPN
ajoaa-543	110	21	(	(	PUNCT
ajoaa-543	110	22	2005	2005	NUM
ajoaa-543	110	23	)	)	PUNCT
ajoaa-543	110	24	,	,	PUNCT
ajoaa-543	110	25	dankyi	dankyi	PROPN
ajoaa-543	110	26	et	et	PROPN
ajoaa-543	110	27	al	al	PROPN
ajoaa-543	110	28	.	.	PROPN
ajoaa-543	111	1	(	(	PUNCT
ajoaa-543	111	2	2005	2005	NUM
ajoaa-543	111	3	)	)	PUNCT
ajoaa-543	111	4	and	and	CCONJ
ajoaa-543	111	5	akudugu	akudugu	ADP
ajoaa-543	111	6	et	et	PROPN
ajoaa-543	111	7	al	al	PROPN
ajoaa-543	111	8	.	.	PROPN
ajoaa-543	111	9	(	(	PUNCT
ajoaa-543	111	10	2009b	2009b	NUM
ajoaa-543	111	11	)	)	PUNCT
ajoaa-543	111	12	in	in	ADP
ajoaa-543	111	13	various	various	ADJ
ajoaa-543	111	14	studies	study	NOUN
ajoaa-543	111	15	.	.	PUNCT
ajoaa-543	112	1	according	accord	VERB
ajoaa-543	112	2	to	to	ADP
ajoaa-543	112	3	greene	greene	PROPN
ajoaa-543	112	4	(	(	PUNCT
ajoaa-543	112	5	2008	2008	NUM
ajoaa-543	112	6	)	)	PUNCT
ajoaa-543	112	7	and	and	CCONJ
ajoaa-543	112	8	cameron	cameron	PROPN
ajoaa-543	112	9	and	and	CCONJ
ajoaa-543	112	10	trivedi	trivedi	PROPN
ajoaa-543	112	11	(	(	PUNCT
ajoaa-543	112	12	2005	2005	NUM
ajoaa-543	112	13	)	)	PUNCT
ajoaa-543	112	14	,	,	PUNCT
ajoaa-543	112	15	the	the	DET
ajoaa-543	112	16	general	general	ADJ
ajoaa-543	112	17	formulation	formulation	NOUN
ajoaa-543	112	18	of	of	ADP
ajoaa-543	112	19	the	the	DET
ajoaa-543	112	20	tobit	tobit	NOUN
ajoaa-543	112	21	model	model	NOUN
ajoaa-543	112	22	is	be	AUX
ajoaa-543	112	23	usually	usually	ADV
ajoaa-543	112	24	given	give	VERB
ajoaa-543	112	25	in	in	ADP
ajoaa-543	112	26	terms	term	NOUN
ajoaa-543	112	27	of	of	ADP
ajoaa-543	112	28	an	an	DET
ajoaa-543	112	29	index	index	NOUN
ajoaa-543	112	30	function	function	NOUN
ajoaa-543	112	31	.	.	PUNCT
ajoaa-543	113	1	this	this	PRON
ajoaa-543	113	2	is	be	AUX
ajoaa-543	113	3	given	give	VERB
ajoaa-543	113	4	in	in	ADP
ajoaa-543	113	5	equation	equation	NOUN
ajoaa-543	113	6	(	(	PUNCT
ajoaa-543	113	7	8)	8)	NUM
ajoaa-543	113	8	as	as	ADP
ajoaa-543	113	9	:	:	PUNCT
ajoaa-543	113	10	(	(	PUNCT
ajoaa-543	113	11	8)	8)	NUM
ajoaa-543	113	12	where	where	SCONJ
ajoaa-543	113	13	is	be	AUX
ajoaa-543	113	14	the	the	DET
ajoaa-543	113	15	unobserved	unobserved	ADJ
ajoaa-543	113	16	latent	latent	NOUN
ajoaa-543	113	17	variable	variable	NOUN
ajoaa-543	113	18	or	or	CCONJ
ajoaa-543	113	19	the	the	DET
ajoaa-543	113	20	threshold	threshold	NOUN
ajoaa-543	113	21	which	which	PRON
ajoaa-543	113	22	must	must	AUX
ajoaa-543	113	23	be	be	AUX
ajoaa-543	113	24	exceeded	exceed	VERB
ajoaa-543	113	25	for	for	ADP
ajoaa-543	113	26	a	a	DET
ajoaa-543	113	27	reaction	reaction	NOUN
ajoaa-543	113	28	to	to	PART
ajoaa-543	113	29	take	take	VERB
ajoaa-543	113	30	place	place	NOUN
ajoaa-543	113	31	;	;	PUNCT
ajoaa-543	113	32	xi	xi	X
ajoaa-543	113	33	is	be	AUX
ajoaa-543	113	34	a	a	DET
ajoaa-543	113	35	set	set	NOUN
ajoaa-543	113	36	of	of	ADP
ajoaa-543	113	37	explanatory	explanatory	ADJ
ajoaa-543	113	38	variables	variable	NOUN
ajoaa-543	113	39	and	and	CCONJ
ajoaa-543	113	40	εi	εi	NOUN
ajoaa-543	113	41	is	be	AUX
ajoaa-543	113	42	assumed	assume	VERB
ajoaa-543	113	43	to	to	PART
ajoaa-543	113	44	be	be	AUX
ajoaa-543	113	45	an	an	DET
ajoaa-543	113	46	independently	independently	ADV
ajoaa-543	113	47	and	and	CCONJ
ajoaa-543	113	48	normally	normally	ADV
ajoaa-543	113	49	distributed	distribute	VERB
ajoaa-543	113	50	stochastic	stochastic	ADJ
ajoaa-543	113	51	term	term	NOUN
ajoaa-543	113	52	with	with	ADP
ajoaa-543	113	53	zero	zero	NUM
ajoaa-543	113	54	mean	mean	NOUN
ajoaa-543	113	55	,	,	PUNCT
ajoaa-543	113	56	μ	μ	NOUN
ajoaa-543	113	57	and	and	CCONJ
ajoaa-543	113	58	constant	constant	ADJ
ajoaa-543	113	59	variance	variance	NOUN
ajoaa-543	113	60	,	,	PUNCT
ajoaa-543	113	61	σ	σ	PROPN
ajoaa-543	113	62	2	2	PROPN
ajoaa-543	113	63	.	.	PUNCT
ajoaa-543	114	1	assume	assume	VERB
ajoaa-543	114	2	that	that	SCONJ
ajoaa-543	114	3	there	there	PRON
ajoaa-543	114	4	is	be	VERB
ajoaa-543	114	5	a	a	DET
ajoaa-543	114	6	perceived	perceive	VERB
ajoaa-543	114	7	utility	utility	NOUN
ajoaa-543	114	8	u(y	u(y	PROPN
ajoaa-543	114	9	)	)	PUNCT
ajoaa-543	114	10	from	from	ADP
ajoaa-543	114	11	adopting	adopt	VERB
ajoaa-543	114	12	an	an	DET
ajoaa-543	114	13	intervention	intervention	NOUN
ajoaa-543	114	14	,	,	PUNCT
ajoaa-543	114	15	say	say	INTJ
ajoaa-543	114	16	,	,	PUNCT
ajoaa-543	114	17	demanding	demand	VERB
ajoaa-543	114	18	credit	credit	NOUN
ajoaa-543	114	19	from	from	ADP
ajoaa-543	114	20	rural	rural	ADJ
ajoaa-543	114	21	banks	bank	NOUN
ajoaa-543	114	22	,	,	PUNCT
ajoaa-543	114	23	yi	yi	PROPN
ajoaa-543	114	24	,	,	PUNCT
ajoaa-543	114	25	and	and	CCONJ
ajoaa-543	114	26	,	,	PUNCT
ajoaa-543	114	27	a	a	DET
ajoaa-543	114	28	utility	utility	NOUN
ajoaa-543	114	29	u(0	u(0	NOUN
ajoaa-543	114	30	)	)	PUNCT
ajoaa-543	114	31	for	for	ADP
ajoaa-543	114	32	not	not	PART
ajoaa-543	114	33	adopting	adopt	VERB
ajoaa-543	114	34	it	it	PRON
ajoaa-543	114	35	,	,	PUNCT
ajoaa-543	114	36	say	say	INTJ
ajoaa-543	114	37	,	,	PUNCT
ajoaa-543	114	38	not	not	PART
ajoaa-543	114	39	demanding	demand	VERB
ajoaa-543	114	40	credit	credit	NOUN
ajoaa-543	114	41	from	from	ADP
ajoaa-543	114	42	the	the	DET
ajoaa-543	114	43	rural	rural	ADJ
ajoaa-543	114	44	banks	bank	NOUN
ajoaa-543	114	45	.	.	PUNCT
ajoaa-543	115	1	further	far	ADV
ajoaa-543	115	2	assume	assume	VERB
ajoaa-543	115	3	that	that	SCONJ
ajoaa-543	115	4	there	there	PRON
ajoaa-543	115	5	is	be	VERB
ajoaa-543	115	6	a	a	DET
ajoaa-543	115	7	cluster	cluster	NOUN
ajoaa-543	115	8	of	of	ADP
ajoaa-543	115	9	the	the	DET
ajoaa-543	115	10	population	population	NOUN
ajoaa-543	115	11	with	with	ADP
ajoaa-543	115	12	no	no	DET
ajoaa-543	115	13	decision	decision	NOUN
ajoaa-543	115	14	to	to	PART
ajoaa-543	115	15	make	make	VERB
ajoaa-543	115	16	at	at	ADP
ajoaa-543	115	17	the	the	DET
ajoaa-543	115	18	limit	limit	NOUN
ajoaa-543	115	19	(	(	PUNCT
ajoaa-543	115	20	baidu	baidu	NOUN
ajoaa-543	115	21	-	-	PUNCT
ajoaa-543	115	22	forson	forson	NOUN
ajoaa-543	115	23	,	,	PUNCT
ajoaa-543	115	24	1999	1999	NUM
ajoaa-543	115	25	;	;	PUNCT
ajoaa-543	115	26	oladele	oladele	PROPN
ajoaa-543	115	27	,	,	PUNCT
ajoaa-543	115	28	2005	2005	NUM
ajoaa-543	115	29	;	;	PUNCT
ajoaa-543	115	30	dankyi	dankyi	PROPN
ajoaa-543	115	31	et	et	PROPN
ajoaa-543	115	32	al	al	PROPN
ajoaa-543	115	33	.	.	PROPN
ajoaa-543	115	34	,	,	PUNCT
ajoaa-543	115	35	2005	2005	NUM
ajoaa-543	115	36	;	;	PUNCT
ajoaa-543	115	37	akudugu	akudugu	ADP
ajoaa-543	115	38	et	et	PROPN
ajoaa-543	115	39	al	al	PROPN
ajoaa-543	115	40	.	.	PROPN
ajoaa-543	115	41	,	,	PUNCT
ajoaa-543	115	42	2009b	2009b	NUM
ajoaa-543	115	43	)	)	PUNCT
ajoaa-543	115	44	,	,	PUNCT
ajoaa-543	115	45	then	then	ADV
ajoaa-543	115	46	:	:	PUNCT
ajoaa-543	115	47	and	and	CCONJ
ajoaa-543	115	48	where	where	SCONJ
ajoaa-543	115	49	is	be	AUX
ajoaa-543	115	50	the	the	DET
ajoaa-543	115	51	dependent	dependent	ADJ
ajoaa-543	115	52	variable	variable	NOUN
ajoaa-543	115	53	,	,	PUNCT
ajoaa-543	115	54	in	in	ADP
ajoaa-543	115	55	this	this	DET
ajoaa-543	115	56	case	case	NOUN
ajoaa-543	115	57	,	,	PUNCT
ajoaa-543	115	58	the	the	DET
ajoaa-543	115	59	extent	extent	NOUN
ajoaa-543	115	60	(	(	PUNCT
ajoaa-543	115	61	i.e.	i.e.	X
ajoaa-543	115	62	the	the	DET
ajoaa-543	115	63	ratio	ratio	NOUN
ajoaa-543	115	64	of	of	ADP
ajoaa-543	115	65	the	the	DET
ajoaa-543	115	66	amount	amount	NOUN
ajoaa-543	115	67	of	of	ADP
ajoaa-543	115	68	credit	credit	NOUN
ajoaa-543	115	69	supplied	supply	VERB
ajoaa-543	115	70	to	to	ADP
ajoaa-543	115	71	the	the	DET
ajoaa-543	115	72	farmer	farmer	NOUN
ajoaa-543	115	73	to	to	ADP
ajoaa-543	115	74	the	the	DET
ajoaa-543	115	75	amount	amount	NOUN
ajoaa-543	115	76	of	of	ADP
ajoaa-543	115	77	credit	credit	NOUN
ajoaa-543	115	78	applied	apply	VERB
ajoaa-543	115	79	for	for	ADP
ajoaa-543	115	80	)	)	PUNCT
ajoaa-543	115	81	of	of	ADP
ajoaa-543	115	82	credit	credit	NOUN
ajoaa-543	115	83	supplied	supply	VERB
ajoaa-543	115	84	to	to	ADP
ajoaa-543	115	85	farmers	farmer	NOUN
ajoaa-543	115	86	by	by	ADP
ajoaa-543	115	87	the	the	DET
ajoaa-543	115	88	rural	rural	ADJ
ajoaa-543	115	89	banks	bank	NOUN
ajoaa-543	115	90	.	.	PUNCT
ajoaa-543	116	1	the	the	DET
ajoaa-543	116	2	expected	expected	ADJ
ajoaa-543	116	3	intensity	intensity	NOUN
ajoaa-543	116	4	,	,	PUNCT
ajoaa-543	116	5	e(p	e(p	NOUN
ajoaa-543	116	6	)	)	PUNCT
ajoaa-543	116	7	of	of	ADP
ajoaa-543	116	8	credit	credit	NOUN
ajoaa-543	116	9	supply	supply	NOUN
ajoaa-543	116	10	by	by	ADP
ajoaa-543	116	11	the	the	DET
ajoaa-543	116	12	rural	rural	ADJ
ajoaa-543	116	13	banks	bank	NOUN
ajoaa-543	116	14	to	to	ADP
ajoaa-543	116	15	farmers	farmer	NOUN
ajoaa-543	116	16	is	be	AUX
ajoaa-543	116	17	given	give	VERB
ajoaa-543	116	18	as	as	SCONJ
ajoaa-543	116	19	follows	follow	VERB
ajoaa-543	116	20	:	:	PUNCT
ajoaa-543	116	21	)	)	PUNCT
ajoaa-543	116	22	(	(	PUNCT
ajoaa-543	116	23	)	)	PUNCT
ajoaa-543	116	24	(	(	PUNCT
ajoaa-543	116	25	)	)	PUNCT
ajoaa-543	116	26	(	(	PUNCT
ajoaa-543	116	27	zfzfxpe	zfzfxpe	VERB
ajoaa-543	116	28	i	i	PRON
ajoaa-543	116	29			PROPN
ajoaa-543	116	30			ADJ
ajoaa-543	116	31	(	(	PUNCT
ajoaa-543	116	32	9	9	NUM
ajoaa-543	116	33	)	)	PUNCT
ajoaa-543	116	34	where	where	SCONJ
ajoaa-543	116	35	x	x	PRON
ajoaa-543	116	36	is	be	AUX
ajoaa-543	116	37	the	the	DET
ajoaa-543	116	38	vector	vector	NOUN
ajoaa-543	116	39	of	of	ADP
ajoaa-543	116	40	explanatory	explanatory	ADJ
ajoaa-543	116	41	variables	variable	NOUN
ajoaa-543	116	42	;	;	PUNCT
ajoaa-543	116	43	f(z	f(z	NUM
ajoaa-543	116	44	)	)	PUNCT
ajoaa-543	116	45	is	be	AUX
ajoaa-543	116	46	the	the	DET
ajoaa-543	116	47	cumulative	cumulative	ADJ
ajoaa-543	116	48	normal	normal	ADJ
ajoaa-543	116	49	distribution	distribution	NOUN
ajoaa-543	116	50	of	of	ADP
ajoaa-543	116	51	z	z	NOUN
ajoaa-543	116	52	;	;	PUNCT
ajoaa-543	116	53	f(z	f(z	PROPN
ajoaa-543	116	54	)	)	PUNCT
ajoaa-543	116	55	is	be	AUX
ajoaa-543	116	56	the	the	DET
ajoaa-543	116	57	value	value	NOUN
ajoaa-543	116	58	of	of	ADP
ajoaa-543	116	59	the	the	DET
ajoaa-543	116	60	derivative	derivative	NOUN
ajoaa-543	116	61	of	of	ADP
ajoaa-543	116	62	the	the	DET
ajoaa-543	116	63	normal	normal	ADJ
ajoaa-543	116	64	curve	curve	NOUN
ajoaa-543	116	65	at	at	ADP
ajoaa-543	116	66	a	a	DET
ajoaa-543	116	67	given	give	VERB
ajoaa-543	116	68	point	point	NOUN
ajoaa-543	116	69	(	(	PUNCT
ajoaa-543	116	70	i.e.	i.e.	X
ajoaa-543	116	71	the	the	DET
ajoaa-543	116	72	unit	unit	NOUN
ajoaa-543	116	73	normal	normal	ADJ
ajoaa-543	116	74	distribution	distribution	NOUN
ajoaa-543	116	75	)	)	PUNCT
ajoaa-543	116	76	;	;	PUNCT
ajoaa-543	116	77	z	z	X
ajoaa-543	116	78	is	be	AUX
ajoaa-543	116	79	the	the	DET
ajoaa-543	116	80	z	z	NOUN
ajoaa-543	116	81	-	-	PUNCT
ajoaa-543	116	82	score	score	NOUN
ajoaa-543	116	83	for	for	ADP
ajoaa-543	116	84	the	the	DET
ajoaa-543	116	85	area	area	NOUN
ajoaa-543	116	86	under	under	ADP
ajoaa-543	116	87	the	the	DET
ajoaa-543	116	88	normal	normal	ADJ
ajoaa-543	116	89	curve	curve	NOUN
ajoaa-543	116	90	,	,	PUNCT
ajoaa-543	116	91	given	give	VERB
ajoaa-543	116	92	as	as	ADP
ajoaa-543	116	93	z	z	NOUN
ajoaa-543	116	94	=	=	SYM
ajoaa-543	116	95	xβ	xβ	PROPN
ajoaa-543	116	96	/	/	SYM
ajoaa-543	116	97	σ	σ	PROPN
ajoaa-543	116	98	;	;	PUNCT
ajoaa-543	116	99	β	β	X
ajoaa-543	116	100	is	be	AUX
ajoaa-543	116	101	a	a	DET
ajoaa-543	116	102	vector	vector	NOUN
ajoaa-543	116	103	of	of	ADP
ajoaa-543	116	104	tobit	tobit	NOUN
ajoaa-543	116	105	maximum	maximum	ADJ
ajoaa-543	116	106	likelihood	likelihood	NOUN
ajoaa-543	116	107	estimates	estimate	NOUN
ajoaa-543	116	108	;	;	PUNCT
ajoaa-543	116	109	and	and	CCONJ
ajoaa-543	116	110	σ	σ	PROPN
ajoaa-543	116	111	is	be	AUX
ajoaa-543	116	112	the	the	DET
ajoaa-543	116	113	standard	standard	ADJ
ajoaa-543	116	114	error	error	NOUN
ajoaa-543	116	115	of	of	ADP
ajoaa-543	116	116	the	the	DET
ajoaa-543	116	117	model	model	NOUN
ajoaa-543	116	118	.	.	PUNCT
ajoaa-543	117	1	the	the	DET
ajoaa-543	117	2	relationship	relationship	NOUN
ajoaa-543	117	3	between	between	ADP
ajoaa-543	117	4	the	the	DET
ajoaa-543	117	5	expected	expect	VERB
ajoaa-543	117	6	value	value	NOUN
ajoaa-543	117	7	of	of	ADP
ajoaa-543	117	8	all	all	DET
ajoaa-543	117	9	observations	observation	NOUN
ajoaa-543	117	10	,	,	PUNCT
ajoaa-543	117	11	ep	ep	PROPN
ajoaa-543	117	12	and	and	CCONJ
ajoaa-543	117	13	the	the	DET
ajoaa-543	117	14	expected	expect	VERB
ajoaa-543	117	15	conditional	conditional	ADJ
ajoaa-543	117	16	value	value	NOUN
ajoaa-543	117	17	above	above	ADP
ajoaa-543	117	18	the	the	DET
ajoaa-543	117	19	limit	limit	NOUN
ajoaa-543	117	20	ep	ep	PROPN
ajoaa-543	117	21	*	*	AUX
ajoaa-543	117	22	is	be	AUX
ajoaa-543	117	23	given	give	VERB
ajoaa-543	117	24	by	by	ADP
ajoaa-543	117	25	:	:	PUNCT
ajoaa-543	117	26	*	*	PUNCT
ajoaa-543	117	27	)	)	PUNCT
ajoaa-543	117	28	(	(	PUNCT
ajoaa-543	117	29	pp	pp	ADP
ajoaa-543	117	30	ezfe	ezfe	PROPN
ajoaa-543	117	31			NOUN
ajoaa-543	117	32	(	(	PUNCT
ajoaa-543	117	33	10	10	NUM
ajoaa-543	117	34	)	)	PUNCT
ajoaa-543	117	35	analyzing	analyze	VERB
ajoaa-543	117	36	the	the	DET
ajoaa-543	117	37	policy	policy	NOUN
ajoaa-543	117	38	implications	implication	NOUN
ajoaa-543	117	39	of	of	ADP
ajoaa-543	117	40	changes	change	NOUN
ajoaa-543	117	41	in	in	ADP
ajoaa-543	117	42	the	the	DET
ajoaa-543	117	43	relevant	relevant	ADJ
ajoaa-543	117	44	explanatory	explanatory	ADJ
ajoaa-543	117	45	variables	variable	NOUN
ajoaa-543	117	46	is	be	AUX
ajoaa-543	117	47	a	a	DET
ajoaa-543	117	48	major	major	ADJ
ajoaa-543	117	49	component	component	NOUN
ajoaa-543	117	50	of	of	ADP
ajoaa-543	117	51	this	this	DET
ajoaa-543	117	52	paper	paper	NOUN
ajoaa-543	117	53	.	.	PUNCT
ajoaa-543	118	1	to	to	ADP
ajoaa-543	118	2	this	this	DET
ajoaa-543	118	3	end	end	NOUN
ajoaa-543	118	4	,	,	PUNCT
ajoaa-543	118	5	the	the	DET
ajoaa-543	118	6	effect	effect	NOUN
ajoaa-543	118	7	of	of	ADP
ajoaa-543	118	8	the	the	DET
ajoaa-543	118	9	k	k	PROPN
ajoaa-543	118	10	th	th	X
ajoaa-543	118	11	variable	variable	NOUN
ajoaa-543	118	12	of	of	ADP
ajoaa-543	118	13	x	x	PUNCT
ajoaa-543	118	14	on	on	ADP
ajoaa-543	118	15	yi	yi	PROPN
ajoaa-543	118	16	leads	lead	VERB
ajoaa-543	118	17	to	to	ADP
ajoaa-543	118	18	the	the	DET
ajoaa-543	118	19	following	follow	VERB
ajoaa-543	118	20	decomposition	decomposition	NOUN
ajoaa-543	118	21	:	:	PUNCT
ajoaa-543	118	22	)	)	PUNCT
ajoaa-543	118	23	/)(()/)((/	/)(()/)((/	PUNCT
ajoaa-543	119	1	*	*	PUNCT
ajoaa-543	119	2	*	*	PUNCT
ajoaa-543	119	3	kpkpkp	kpkpkp	PROPN
ajoaa-543	119	4	xzfexezfxe	xzfexezfxe	PROPN
ajoaa-543	119	5			PROPN
ajoaa-543	119	6			PROPN
ajoaa-543	119	7	(	(	PUNCT
ajoaa-543	119	8	11	11	NUM
ajoaa-543	119	9	)	)	PUNCT
ajoaa-543	119	10	this	this	PRON
ajoaa-543	119	11	(	(	PUNCT
ajoaa-543	119	12	equation	equation	NOUN
ajoaa-543	119	13	11	11	NUM
ajoaa-543	119	14	)	)	PUNCT
ajoaa-543	119	15	suggests	suggest	VERB
ajoaa-543	119	16	that	that	SCONJ
ajoaa-543	119	17	the	the	DET
ajoaa-543	119	18	total	total	ADJ
ajoaa-543	119	19	change	change	NOUN
ajoaa-543	119	20	in	in	ADP
ajoaa-543	119	21	elasticity	elasticity	NOUN
ajoaa-543	119	22	of	of	ADP
ajoaa-543	119	23	yi	yi	PROPN
ajoaa-543	119	24	can	can	AUX
ajoaa-543	119	25	be	be	AUX
ajoaa-543	119	26	disaggregated	disaggregate	VERB
ajoaa-543	119	27	into	into	ADP
ajoaa-543	119	28	two	two	NUM
ajoaa-543	119	29	parts	part	NOUN
ajoaa-543	119	30	asian	asian	ADJ
ajoaa-543	119	31	journal	journal	NOUN
ajoaa-543	119	32	of	of	ADP
ajoaa-543	119	33	agriculture	agriculture	NOUN
ajoaa-543	119	34	and	and	CCONJ
ajoaa-543	119	35	rural	rural	ADJ
ajoaa-543	119	36	development	development	NOUN
ajoaa-543	119	37	,	,	PUNCT
ajoaa-543	119	38	2(2	2(2	NUM
ajoaa-543	119	39	)	)	PUNCT
ajoaa-543	119	40	,	,	PUNCT
ajoaa-543	120	1	pp	pp	ADP
ajoaa-543	120	2	.	.	PUNCT
ajoaa-543	121	1	189	189	NUM
ajoaa-543	121	2	-	-	SYM
ajoaa-543	121	3	200	200	NUM
ajoaa-543	121	4	193	193	NUM
ajoaa-543	121	5	namely	namely	ADV
ajoaa-543	121	6	:	:	PUNCT
ajoaa-543	121	7	the	the	DET
ajoaa-543	121	8	change	change	NOUN
ajoaa-543	121	9	in	in	ADP
ajoaa-543	121	10	probability	probability	NOUN
ajoaa-543	121	11	of	of	ADP
ajoaa-543	121	12	the	the	DET
ajoaa-543	121	13	expected	expect	VERB
ajoaa-543	121	14	level	level	NOUN
ajoaa-543	121	15	of	of	ADP
ajoaa-543	121	16	intensity	intensity	NOUN
ajoaa-543	121	17	and	and	CCONJ
ajoaa-543	121	18	change	change	NOUN
ajoaa-543	121	19	in	in	ADP
ajoaa-543	121	20	the	the	DET
ajoaa-543	121	21	elasticity	elasticity	NOUN
ajoaa-543	121	22	of	of	ADP
ajoaa-543	121	23	being	be	AUX
ajoaa-543	121	24	a	a	DET
ajoaa-543	121	25	beneficiary	beneficiary	NOUN
ajoaa-543	121	26	of	of	ADP
ajoaa-543	121	27	credit	credit	NOUN
ajoaa-543	121	28	from	from	ADP
ajoaa-543	121	29	the	the	DET
ajoaa-543	121	30	rural	rural	ADJ
ajoaa-543	121	31	banks	bank	NOUN
ajoaa-543	121	32	.	.	PUNCT
ajoaa-543	122	1	to	to	PART
ajoaa-543	122	2	obtain	obtain	VERB
ajoaa-543	122	3	the	the	DET
ajoaa-543	122	4	marginal	marginal	ADJ
ajoaa-543	122	5	effect	effect	NOUN
ajoaa-543	122	6	of	of	ADP
ajoaa-543	122	7	the	the	DET
ajoaa-543	122	8	observed	observe	VERB
ajoaa-543	122	9	variable	variable	NOUN
ajoaa-543	122	10	that	that	PRON
ajoaa-543	122	11	is	be	AUX
ajoaa-543	122	12	of	of	ADP
ajoaa-543	122	13	interest	interest	NOUN
ajoaa-543	122	14	in	in	ADP
ajoaa-543	122	15	this	this	DET
ajoaa-543	122	16	paper	paper	NOUN
ajoaa-543	122	17	,	,	PUNCT
ajoaa-543	122	18	the	the	DET
ajoaa-543	122	19	following	follow	VERB
ajoaa-543	122	20	formula	formula	NOUN
ajoaa-543	122	21	(	(	PUNCT
ajoaa-543	122	22	greene	greene	PROPN
ajoaa-543	122	23	,	,	PUNCT
ajoaa-543	122	24	2008	2008	NUM
ajoaa-543	122	25	:	:	PUNCT
ajoaa-543	122	26	765	765	NUM
ajoaa-543	122	27	)	)	PUNCT
ajoaa-543	122	28	is	be	AUX
ajoaa-543	122	29	used	use	VERB
ajoaa-543	122	30	:	:	PUNCT
ajoaa-543	122	31	i	i	PRON
ajoaa-543	122	32	i	i	VERB
ajoaa-543	122	33	x	x	VERB
ajoaa-543	122	34	yobxye	yobxye	PROPN
ajoaa-543	122	35			ADJ
ajoaa-543	122	36			PROPN
ajoaa-543	122	37	)	)	PUNCT
ajoaa-543	123	1	1	1	NUM
ajoaa-543	123	2	*	*	SYM
ajoaa-543	123	3	0(pr*)|	0(pr*)|	NOUN
ajoaa-543	123	4	(	(	PUNCT
ajoaa-543	123	5			NUM
ajoaa-543	123	6	(	(	PUNCT
ajoaa-543	123	7	12	12	NUM
ajoaa-543	123	8	)	)	PUNCT
ajoaa-543	123	9	according	accord	VERB
ajoaa-543	123	10	to	to	ADP
ajoaa-543	123	11	greene	greene	PROPN
ajoaa-543	123	12	(	(	PUNCT
ajoaa-543	123	13	2008	2008	NUM
ajoaa-543	123	14	)	)	PUNCT
ajoaa-543	123	15	,	,	PUNCT
ajoaa-543	123	16	the	the	DET
ajoaa-543	123	17	log	log	NOUN
ajoaa-543	123	18	-	-	PUNCT
ajoaa-543	123	19	likelihood	likelihood	NOUN
ajoaa-543	123	20	of	of	ADP
ajoaa-543	123	21	the	the	DET
ajoaa-543	123	22	tobit	tobit	NOUN
ajoaa-543	123	23	model	model	NOUN
ajoaa-543	123	24	is	be	AUX
ajoaa-543	123	25	specified	specify	VERB
ajoaa-543	123	26	as	as	ADP
ajoaa-543	123	27	:	:	PUNCT
ajoaa-543	123	28	∑	∑	PUNCT
ajoaa-543	123	29	(	(	PUNCT
ajoaa-543	123	30	)	)	PUNCT
ajoaa-543	123	31	(	(	PUNCT
ajoaa-543	123	32	)	)	PUNCT
ajoaa-543	123	33	∑	∑	PROPN
ajoaa-543	123	34	(	(	PUNCT
ajoaa-543	123	35	)	)	PUNCT
ajoaa-543	123	36	maximising	maximise	VERB
ajoaa-543	123	37	this	this	DET
ajoaa-543	123	38	likelihood	likelihood	NOUN
ajoaa-543	123	39	function	function	NOUN
ajoaa-543	123	40	with	with	ADP
ajoaa-543	123	41	respect	respect	NOUN
ajoaa-543	123	42	to	to	ADP
ajoaa-543	123	43	β	β	PROPN
ajoaa-543	123	44	and	and	CCONJ
ajoaa-543	123	45	σ	σ	PROPN
ajoaa-543	123	46	gives	give	VERB
ajoaa-543	123	47	the	the	DET
ajoaa-543	123	48	maximum	maximum	ADJ
ajoaa-543	123	49	likelihood	likelihood	NOUN
ajoaa-543	123	50	estimates	estimate	NOUN
ajoaa-543	123	51	of	of	ADP
ajoaa-543	123	52	these	these	DET
ajoaa-543	123	53	parameters	parameter	NOUN
ajoaa-543	123	54	.	.	PUNCT
ajoaa-543	124	1	stata	stata	PROPN
ajoaa-543	124	2	(	(	PUNCT
ajoaa-543	124	3	version	version	NOUN
ajoaa-543	124	4	10	10	NUM
ajoaa-543	124	5	)	)	PUNCT
ajoaa-543	124	6	was	be	AUX
ajoaa-543	124	7	the	the	DET
ajoaa-543	124	8	statistical	statistical	ADJ
ajoaa-543	124	9	software	software	NOUN
ajoaa-543	124	10	employed	employ	VERB
ajoaa-543	124	11	to	to	PART
ajoaa-543	124	12	estimate	estimate	VERB
ajoaa-543	124	13	the	the	DET
ajoaa-543	124	14	empirical	empirical	ADJ
ajoaa-543	124	15	parameters	parameter	NOUN
ajoaa-543	124	16	by	by	ADP
ajoaa-543	124	17	mle	mle	PROPN
ajoaa-543	124	18	.	.	PROPN
ajoaa-543	124	19	choice	choice	NOUN
ajoaa-543	124	20	of	of	ADP
ajoaa-543	124	21	variables	variable	NOUN
ajoaa-543	124	22	for	for	ADP
ajoaa-543	124	23	logit	logit	PROPN
ajoaa-543	124	24	and	and	CCONJ
ajoaa-543	124	25	tobit	tobit	NOUN
ajoaa-543	124	26	models	model	NOUN
ajoaa-543	124	27	and	and	CCONJ
ajoaa-543	124	28	hypotheses	hypothese	VERB
ajoaa-543	124	29	the	the	DET
ajoaa-543	124	30	choice	choice	NOUN
ajoaa-543	124	31	of	of	ADP
ajoaa-543	124	32	variables	variable	NOUN
ajoaa-543	124	33	for	for	ADP
ajoaa-543	124	34	the	the	DET
ajoaa-543	124	35	above	above	ADJ
ajoaa-543	124	36	models	model	NOUN
ajoaa-543	124	37	was	be	AUX
ajoaa-543	124	38	based	base	VERB
ajoaa-543	124	39	more	more	ADV
ajoaa-543	124	40	on	on	ADP
ajoaa-543	124	41	related	related	ADJ
ajoaa-543	124	42	studies	study	NOUN
ajoaa-543	124	43	by	by	ADP
ajoaa-543	124	44	researchers	researcher	NOUN
ajoaa-543	124	45	such	such	ADJ
ajoaa-543	124	46	as	as	ADP
ajoaa-543	124	47	nathan	nathan	PROPN
ajoaa-543	124	48	et	et	PROPN
ajoaa-543	124	49	al	al	PROPN
ajoaa-543	124	50	.	.	PROPN
ajoaa-543	125	1	(	(	PUNCT
ajoaa-543	125	2	2004	2004	NUM
ajoaa-543	125	3	)	)	PUNCT
ajoaa-543	125	4	;	;	PUNCT
ajoaa-543	126	1	ayamga	ayamga	PROPN
ajoaa-543	126	2	et	et	PROPN
ajoaa-543	126	3	al	al	PROPN
ajoaa-543	126	4	.	.	PROPN
ajoaa-543	127	1	(	(	PUNCT
ajoaa-543	127	2	2006	2006	NUM
ajoaa-543	127	3	)	)	PUNCT
ajoaa-543	127	4	;	;	PUNCT
ajoaa-543	127	5	akudugu	akudugu	ADP
ajoaa-543	127	6	et	et	PROPN
ajoaa-543	127	7	al	al	PROPN
ajoaa-543	127	8	.	.	PROPN
ajoaa-543	127	9	(	(	PUNCT
ajoaa-543	127	10	2009a	2009a	NUM
ajoaa-543	127	11	;	;	PUNCT
ajoaa-543	127	12	2009b	2009b	NOUN
ajoaa-543	127	13	)	)	PUNCT
ajoaa-543	127	14	;	;	PUNCT
ajoaa-543	127	15	and	and	CCONJ
ajoaa-543	127	16	fakayode	fakayode	VERB
ajoaa-543	127	17	and	and	CCONJ
ajoaa-543	127	18	rahji	rahji	NOUN
ajoaa-543	127	19	,	,	PUNCT
ajoaa-543	127	20	(	(	PUNCT
ajoaa-543	127	21	2009	2009	NUM
ajoaa-543	127	22	)	)	PUNCT
ajoaa-543	127	23	.	.	PUNCT
ajoaa-543	128	1	the	the	DET
ajoaa-543	128	2	age	age	NOUN
ajoaa-543	128	3	of	of	ADP
ajoaa-543	128	4	a	a	DET
ajoaa-543	128	5	farmer	farmer	NOUN
ajoaa-543	128	6	(	(	PUNCT
ajoaa-543	128	7	x1	x1	PROPN
ajoaa-543	128	8	)	)	PUNCT
ajoaa-543	128	9	was	be	AUX
ajoaa-543	128	10	included	include	VERB
ajoaa-543	128	11	in	in	ADP
ajoaa-543	128	12	the	the	DET
ajoaa-543	128	13	models	model	NOUN
ajoaa-543	128	14	because	because	SCONJ
ajoaa-543	128	15	it	it	PRON
ajoaa-543	128	16	is	be	AUX
ajoaa-543	128	17	used	use	VERB
ajoaa-543	128	18	as	as	ADP
ajoaa-543	128	19	a	a	DET
ajoaa-543	128	20	proxy	proxy	NOUN
ajoaa-543	128	21	for	for	ADP
ajoaa-543	128	22	maturity	maturity	NOUN
ajoaa-543	128	23	and	and	CCONJ
ajoaa-543	128	24	the	the	DET
ajoaa-543	128	25	potential	potential	ADJ
ajoaa-543	128	26	ability	ability	NOUN
ajoaa-543	128	27	to	to	PART
ajoaa-543	128	28	utilize	utilize	VERB
ajoaa-543	128	29	and	and	CCONJ
ajoaa-543	128	30	repay	repay	VERB
ajoaa-543	128	31	credit	credit	NOUN
ajoaa-543	128	32	by	by	ADP
ajoaa-543	128	33	borrowers	borrower	NOUN
ajoaa-543	128	34	(	(	PUNCT
ajoaa-543	128	35	fakayode	fakayode	NOUN
ajoaa-543	128	36	and	and	CCONJ
ajoaa-543	128	37	rahji	rahji	NOUN
ajoaa-543	128	38	,	,	PUNCT
ajoaa-543	128	39	2009	2009	NUM
ajoaa-543	128	40	;	;	PUNCT
ajoaa-543	128	41	and	and	CCONJ
ajoaa-543	128	42	akudugu	akudugu	ADP
ajoaa-543	128	43	et	et	PROPN
ajoaa-543	128	44	al	al	PROPN
ajoaa-543	128	45	.	.	PROPN
ajoaa-543	128	46	2009a	2009a	NUM
ajoaa-543	128	47	)	)	PUNCT
ajoaa-543	128	48	.	.	PUNCT
ajoaa-543	129	1	it	it	PRON
ajoaa-543	129	2	was	be	AUX
ajoaa-543	129	3	measured	measure	VERB
ajoaa-543	129	4	in	in	ADP
ajoaa-543	129	5	years	year	NOUN
ajoaa-543	129	6	for	for	ADP
ajoaa-543	129	7	both	both	CCONJ
ajoaa-543	129	8	the	the	DET
ajoaa-543	129	9	logit	logit	PROPN
ajoaa-543	129	10	and	and	CCONJ
ajoaa-543	129	11	tobit	tobit	NOUN
ajoaa-543	129	12	models	model	NOUN
ajoaa-543	129	13	.	.	PUNCT
ajoaa-543	130	1	it	it	PRON
ajoaa-543	130	2	was	be	AUX
ajoaa-543	130	3	hypothesized	hypothesize	VERB
ajoaa-543	130	4	to	to	PART
ajoaa-543	130	5	assume	assume	VERB
ajoaa-543	130	6	a	a	DET
ajoaa-543	130	7	quadratic	quadratic	ADJ
ajoaa-543	130	8	function	function	NOUN
ajoaa-543	130	9	,	,	PUNCT
ajoaa-543	130	10	and	and	CCONJ
ajoaa-543	130	11	that	that	SCONJ
ajoaa-543	130	12	younger	young	ADJ
ajoaa-543	130	13	farmers	farmer	NOUN
ajoaa-543	130	14	are	be	AUX
ajoaa-543	130	15	considered	consider	VERB
ajoaa-543	130	16	immature	immature	ADJ
ajoaa-543	130	17	to	to	PART
ajoaa-543	130	18	be	be	AUX
ajoaa-543	130	19	able	able	ADJ
ajoaa-543	130	20	to	to	PART
ajoaa-543	130	21	utilise	utilise	VERB
ajoaa-543	130	22	credit	credit	NOUN
ajoaa-543	130	23	effectively	effectively	ADV
ajoaa-543	130	24	and	and	CCONJ
ajoaa-543	130	25	to	to	PART
ajoaa-543	130	26	repay	repay	VERB
ajoaa-543	130	27	and	and	CCONJ
ajoaa-543	130	28	therefore	therefore	ADV
ajoaa-543	130	29	may	may	AUX
ajoaa-543	130	30	not	not	PART
ajoaa-543	130	31	demand	demand	VERB
ajoaa-543	130	32	credit	credit	NOUN
ajoaa-543	130	33	from	from	ADP
ajoaa-543	130	34	the	the	DET
ajoaa-543	130	35	banks	bank	NOUN
ajoaa-543	130	36	.	.	PUNCT
ajoaa-543	131	1	besides	besides	SCONJ
ajoaa-543	131	2	,	,	PUNCT
ajoaa-543	131	3	as	as	SCONJ
ajoaa-543	131	4	farmers	farmer	NOUN
ajoaa-543	131	5	grow	grow	VERB
ajoaa-543	131	6	beyond	beyond	ADP
ajoaa-543	131	7	their	their	PRON
ajoaa-543	131	8	economically	economically	ADV
ajoaa-543	131	9	active	active	ADJ
ajoaa-543	131	10	age	age	NOUN
ajoaa-543	131	11	(	(	PUNCT
ajoaa-543	131	12	x2	x2	NOUN
ajoaa-543	131	13	)	)	PUNCT
ajoaa-543	131	14	group	group	NOUN
ajoaa-543	131	15	,	,	PUNCT
ajoaa-543	131	16	their	their	PRON
ajoaa-543	131	17	economic	economic	ADJ
ajoaa-543	131	18	activities	activity	NOUN
ajoaa-543	131	19	become	become	VERB
ajoaa-543	131	20	less	less	ADJ
ajoaa-543	131	21	which	which	PRON
ajoaa-543	131	22	negatively	negatively	ADV
ajoaa-543	131	23	influences	influence	VERB
ajoaa-543	131	24	their	their	PRON
ajoaa-543	131	25	decision	decision	NOUN
ajoaa-543	131	26	to	to	PART
ajoaa-543	131	27	demand	demand	VERB
ajoaa-543	131	28	credit	credit	NOUN
ajoaa-543	131	29	from	from	ADP
ajoaa-543	131	30	the	the	DET
ajoaa-543	131	31	rural	rural	ADJ
ajoaa-543	131	32	banks	bank	NOUN
ajoaa-543	131	33	.	.	PUNCT
ajoaa-543	132	1	the	the	DET
ajoaa-543	132	2	literacy	literacy	NOUN
ajoaa-543	132	3	level	level	NOUN
ajoaa-543	132	4	of	of	ADP
ajoaa-543	132	5	farmers	farmer	NOUN
ajoaa-543	132	6	(	(	PUNCT
ajoaa-543	132	7	x3	x3	ADJ
ajoaa-543	132	8	)	)	PUNCT
ajoaa-543	132	9	was	be	AUX
ajoaa-543	132	10	included	include	VERB
ajoaa-543	132	11	in	in	ADP
ajoaa-543	132	12	the	the	DET
ajoaa-543	132	13	estimations	estimation	NOUN
ajoaa-543	132	14	.	.	PUNCT
ajoaa-543	133	1	given	give	VERB
ajoaa-543	133	2	the	the	DET
ajoaa-543	133	3	quality	quality	NOUN
ajoaa-543	133	4	of	of	ADP
ajoaa-543	133	5	education	education	NOUN
ajoaa-543	133	6	in	in	ADP
ajoaa-543	133	7	the	the	DET
ajoaa-543	133	8	study	study	NOUN
ajoaa-543	133	9	area	area	NOUN
ajoaa-543	133	10	,	,	PUNCT
ajoaa-543	133	11	those	those	PRON
ajoaa-543	133	12	who	who	PRON
ajoaa-543	133	13	had	have	VERB
ajoaa-543	133	14	less	less	ADJ
ajoaa-543	133	15	than	than	ADP
ajoaa-543	133	16	nine	nine	NUM
ajoaa-543	133	17	(	(	PUNCT
ajoaa-543	133	18	9	9	NUM
ajoaa-543	133	19	)	)	PUNCT
ajoaa-543	133	20	years	year	NOUN
ajoaa-543	133	21	of	of	ADP
ajoaa-543	133	22	formal	formal	ADJ
ajoaa-543	133	23	schooling	schooling	NOUN
ajoaa-543	133	24	(	(	PUNCT
ajoaa-543	133	25	i.e.	i.e.	X
ajoaa-543	133	26	completed	complete	VERB
ajoaa-543	133	27	junior	junior	ADJ
ajoaa-543	133	28	high	high	ADJ
ajoaa-543	133	29	school	school	NOUN
ajoaa-543	133	30	)	)	PUNCT
ajoaa-543	133	31	were	be	AUX
ajoaa-543	133	32	considered	consider	VERB
ajoaa-543	133	33	illiterate	illiterate	ADJ
ajoaa-543	133	34	and	and	CCONJ
ajoaa-543	133	35	assigned	assign	VERB
ajoaa-543	133	36	a	a	DET
ajoaa-543	133	37	dummy	dummy	ADJ
ajoaa-543	133	38	value	value	NOUN
ajoaa-543	133	39	of	of	ADP
ajoaa-543	133	40	zero	zero	NUM
ajoaa-543	133	41	(	(	PUNCT
ajoaa-543	133	42	0	0	NUM
ajoaa-543	133	43	)	)	PUNCT
ajoaa-543	133	44	,	,	PUNCT
ajoaa-543	133	45	while	while	SCONJ
ajoaa-543	133	46	those	those	PRON
ajoaa-543	133	47	who	who	PRON
ajoaa-543	133	48	had	have	VERB
ajoaa-543	133	49	nine	nine	NUM
ajoaa-543	133	50	(	(	PUNCT
ajoaa-543	133	51	9	9	NUM
ajoaa-543	133	52	)	)	PUNCT
ajoaa-543	133	53	or	or	CCONJ
ajoaa-543	133	54	more	more	ADJ
ajoaa-543	133	55	years	year	NOUN
ajoaa-543	133	56	of	of	ADP
ajoaa-543	133	57	formal	formal	ADJ
ajoaa-543	133	58	schooling	schooling	NOUN
ajoaa-543	133	59	were	be	AUX
ajoaa-543	133	60	considered	consider	VERB
ajoaa-543	133	61	literates	literate	NOUN
ajoaa-543	133	62	and	and	CCONJ
ajoaa-543	133	63	assigned	assign	VERB
ajoaa-543	133	64	a	a	DET
ajoaa-543	133	65	dummy	dummy	ADJ
ajoaa-543	133	66	value	value	NOUN
ajoaa-543	133	67	of	of	ADP
ajoaa-543	133	68	one	one	NUM
ajoaa-543	133	69	(	(	PUNCT
ajoaa-543	133	70	1	1	NUM
ajoaa-543	133	71	)	)	PUNCT
ajoaa-543	133	72	.	.	PUNCT
ajoaa-543	134	1	literacy	literacy	NOUN
ajoaa-543	134	2	was	be	AUX
ajoaa-543	134	3	hypothesised	hypothesise	VERB
ajoaa-543	134	4	to	to	PART
ajoaa-543	134	5	have	have	VERB
ajoaa-543	134	6	positive	positive	ADJ
ajoaa-543	134	7	relationships	relationship	NOUN
ajoaa-543	134	8	to	to	ADP
ajoaa-543	134	9	the	the	DET
ajoaa-543	134	10	decision	decision	NOUN
ajoaa-543	134	11	to	to	PART
ajoaa-543	134	12	demand	demand	VERB
ajoaa-543	134	13	credit	credit	NOUN
ajoaa-543	134	14	and	and	CCONJ
ajoaa-543	134	15	the	the	DET
ajoaa-543	134	16	amount	amount	NOUN
ajoaa-543	134	17	that	that	PRON
ajoaa-543	134	18	they	they	PRON
ajoaa-543	134	19	could	could	AUX
ajoaa-543	134	20	receive	receive	VERB
ajoaa-543	134	21	from	from	ADP
ajoaa-543	134	22	the	the	DET
ajoaa-543	134	23	rural	rural	ADJ
ajoaa-543	134	24	banks	bank	NOUN
ajoaa-543	134	25	.	.	PUNCT
ajoaa-543	135	1	this	this	PRON
ajoaa-543	135	2	is	be	AUX
ajoaa-543	135	3	because	because	SCONJ
ajoaa-543	135	4	formal	formal	ADJ
ajoaa-543	135	5	education	education	NOUN
ajoaa-543	135	6	is	be	AUX
ajoaa-543	135	7	said	say	VERB
ajoaa-543	135	8	to	to	PART
ajoaa-543	135	9	be	be	AUX
ajoaa-543	135	10	a	a	DET
ajoaa-543	135	11	major	major	ADJ
ajoaa-543	135	12	factor	factor	NOUN
ajoaa-543	135	13	that	that	PRON
ajoaa-543	135	14	influences	influence	VERB
ajoaa-543	135	15	the	the	DET
ajoaa-543	135	16	decision	decision	NOUN
ajoaa-543	135	17	to	to	PART
ajoaa-543	135	18	participate	participate	VERB
ajoaa-543	135	19	in	in	ADP
ajoaa-543	135	20	credit	credit	NOUN
ajoaa-543	135	21	programmes	programme	NOUN
ajoaa-543	135	22	(	(	PUNCT
ajoaa-543	135	23	ayamga	ayamga	PROPN
ajoaa-543	135	24	et	et	PROPN
ajoaa-543	135	25	al	al	PROPN
ajoaa-543	135	26	.	.	PROPN
ajoaa-543	135	27	2006	2006	NUM
ajoaa-543	135	28	;	;	PUNCT
ajoaa-543	135	29	lukytawati	lukytawati	NOUN
ajoaa-543	135	30	,	,	PUNCT
ajoaa-543	135	31	2009	2009	NUM
ajoaa-543	135	32	)	)	PUNCT
ajoaa-543	135	33	.	.	PUNCT
ajoaa-543	136	1	a	a	DET
ajoaa-543	136	2	cash	cash	NOUN
ajoaa-543	136	3	crop	crop	NOUN
ajoaa-543	136	4	grown	grow	VERB
ajoaa-543	136	5	(	(	PUNCT
ajoaa-543	136	6	x4	x4	PROPN
ajoaa-543	136	7	)	)	PUNCT
ajoaa-543	136	8	was	be	AUX
ajoaa-543	136	9	expected	expect	VERB
ajoaa-543	136	10	to	to	PART
ajoaa-543	136	11	have	have	VERB
ajoaa-543	136	12	positive	positive	ADJ
ajoaa-543	136	13	effect	effect	NOUN
ajoaa-543	136	14	on	on	ADP
ajoaa-543	136	15	the	the	DET
ajoaa-543	136	16	decision	decision	NOUN
ajoaa-543	136	17	to	to	PART
ajoaa-543	136	18	demand	demand	VERB
ajoaa-543	136	19	credit	credit	NOUN
ajoaa-543	136	20	.	.	PUNCT
ajoaa-543	137	1	this	this	PRON
ajoaa-543	137	2	is	be	AUX
ajoaa-543	137	3	because	because	SCONJ
ajoaa-543	137	4	those	those	PRON
ajoaa-543	137	5	into	into	ADP
ajoaa-543	137	6	cash	cash	NOUN
ajoaa-543	137	7	crop	crop	NOUN
ajoaa-543	137	8	production	production	NOUN
ajoaa-543	137	9	are	be	AUX
ajoaa-543	137	10	into	into	ADP
ajoaa-543	137	11	farming	farming	NOUN
ajoaa-543	137	12	as	as	ADP
ajoaa-543	137	13	a	a	DET
ajoaa-543	137	14	business	business	NOUN
ajoaa-543	137	15	and	and	CCONJ
ajoaa-543	137	16	therefore	therefore	ADV
ajoaa-543	137	17	are	be	AUX
ajoaa-543	137	18	more	more	ADV
ajoaa-543	137	19	likely	likely	ADJ
ajoaa-543	137	20	to	to	PART
ajoaa-543	137	21	demand	demand	VERB
ajoaa-543	137	22	credit	credit	NOUN
ajoaa-543	137	23	to	to	PART
ajoaa-543	137	24	finance	finance	VERB
ajoaa-543	137	25	their	their	PRON
ajoaa-543	137	26	production	production	NOUN
ajoaa-543	137	27	activities	activity	NOUN
ajoaa-543	137	28	.	.	PUNCT
ajoaa-543	138	1	cash	cash	NOUN
ajoaa-543	138	2	crop	crop	NOUN
ajoaa-543	138	3	in	in	ADP
ajoaa-543	138	4	this	this	DET
ajoaa-543	138	5	study	study	NOUN
ajoaa-543	138	6	was	be	AUX
ajoaa-543	138	7	defined	define	VERB
ajoaa-543	138	8	as	as	ADP
ajoaa-543	138	9	a	a	DET
ajoaa-543	138	10	crop	crop	NOUN
ajoaa-543	138	11	,	,	PUNCT
ajoaa-543	138	12	70	70	NUM
ajoaa-543	138	13	percent	percent	NOUN
ajoaa-543	138	14	of	of	ADP
ajoaa-543	138	15	the	the	DET
ajoaa-543	138	16	output	output	NOUN
ajoaa-543	138	17	of	of	ADP
ajoaa-543	138	18	which	which	PRON
ajoaa-543	138	19	is	be	AUX
ajoaa-543	138	20	for	for	ADP
ajoaa-543	138	21	sale	sale	NOUN
ajoaa-543	138	22	.	.	PUNCT
ajoaa-543	139	1	farmers	farmer	NOUN
ajoaa-543	139	2	into	into	ADP
ajoaa-543	139	3	cash	cash	NOUN
ajoaa-543	139	4	crop	crop	NOUN
ajoaa-543	139	5	production	production	NOUN
ajoaa-543	139	6	are	be	AUX
ajoaa-543	139	7	considered	consider	VERB
ajoaa-543	139	8	as	as	ADP
ajoaa-543	139	9	being	be	AUX
ajoaa-543	139	10	more	more	ADV
ajoaa-543	139	11	entrepreneurial	entrepreneurial	ADJ
ajoaa-543	139	12	and	and	CCONJ
ajoaa-543	139	13	business	business	NOUN
ajoaa-543	139	14	oriented	orient	VERB
ajoaa-543	139	15	.	.	PUNCT
ajoaa-543	140	1	those	those	DET
ajoaa-543	140	2	respondents	respondent	NOUN
ajoaa-543	140	3	who	who	PRON
ajoaa-543	140	4	did	do	AUX
ajoaa-543	140	5	not	not	PART
ajoaa-543	140	6	cultivate	cultivate	VERB
ajoaa-543	140	7	cash	cash	NOUN
ajoaa-543	140	8	crops	crop	NOUN
ajoaa-543	140	9	were	be	AUX
ajoaa-543	140	10	assigned	assign	VERB
ajoaa-543	140	11	a	a	DET
ajoaa-543	140	12	dummy	dummy	ADJ
ajoaa-543	140	13	value	value	NOUN
ajoaa-543	140	14	of	of	ADP
ajoaa-543	140	15	zero	zero	NUM
ajoaa-543	140	16	(	(	PUNCT
ajoaa-543	140	17	0	0	NUM
ajoaa-543	140	18	)	)	PUNCT
ajoaa-543	140	19	and	and	CCONJ
ajoaa-543	140	20	those	those	PRON
ajoaa-543	140	21	who	who	PRON
ajoaa-543	140	22	cultivated	cultivate	VERB
ajoaa-543	140	23	cash	cash	NOUN
ajoaa-543	140	24	crops	crop	NOUN
ajoaa-543	140	25	were	be	AUX
ajoaa-543	140	26	assigned	assign	VERB
ajoaa-543	140	27	a	a	DET
ajoaa-543	140	28	dummy	dummy	ADJ
ajoaa-543	140	29	value	value	NOUN
ajoaa-543	140	30	of	of	ADP
ajoaa-543	140	31	one	one	NUM
ajoaa-543	140	32	(	(	PUNCT
ajoaa-543	140	33	1	1	NUM
ajoaa-543	140	34	)	)	PUNCT
ajoaa-543	140	35	.	.	PUNCT
ajoaa-543	141	1	it	it	PRON
ajoaa-543	141	2	was	be	AUX
ajoaa-543	141	3	used	use	VERB
ajoaa-543	141	4	for	for	ADP
ajoaa-543	141	5	both	both	CCONJ
ajoaa-543	141	6	the	the	DET
ajoaa-543	141	7	logit	logit	PROPN
ajoaa-543	141	8	and	and	CCONJ
ajoaa-543	141	9	tobit	tobit	NOUN
ajoaa-543	141	10	estimations	estimation	NOUN
ajoaa-543	141	11	.	.	PUNCT
ajoaa-543	142	1	the	the	DET
ajoaa-543	142	2	perception	perception	NOUN
ajoaa-543	142	3	of	of	ADP
ajoaa-543	142	4	farmers	farmer	NOUN
ajoaa-543	142	5	regarding	regard	VERB
ajoaa-543	142	6	the	the	DET
ajoaa-543	142	7	application	application	NOUN
ajoaa-543	142	8	procedures	procedure	NOUN
ajoaa-543	142	9	(	(	PUNCT
ajoaa-543	142	10	x5	x5	NOUN
ajoaa-543	142	11	)	)	PUNCT
ajoaa-543	142	12	was	be	AUX
ajoaa-543	142	13	included	include	VERB
ajoaa-543	142	14	in	in	ADP
ajoaa-543	142	15	the	the	DET
ajoaa-543	142	16	study	study	NOUN
ajoaa-543	142	17	because	because	SCONJ
ajoaa-543	142	18	earlier	early	ADJ
ajoaa-543	142	19	studies	study	NOUN
ajoaa-543	142	20	(	(	PUNCT
ajoaa-543	142	21	example	example	NOUN
ajoaa-543	142	22	akudugu	akudugu	ADP
ajoaa-543	142	23	et	et	PROPN
ajoaa-543	142	24	al	al	PROPN
ajoaa-543	142	25	.	.	PROPN
ajoaa-543	142	26	2009a	2009a	NUM
ajoaa-543	142	27	)	)	PUNCT
ajoaa-543	142	28	found	find	VERB
ajoaa-543	142	29	it	it	PRON
ajoaa-543	142	30	to	to	PART
ajoaa-543	142	31	negatively	negatively	ADV
ajoaa-543	142	32	affect	affect	VERB
ajoaa-543	142	33	the	the	DET
ajoaa-543	142	34	decision	decision	NOUN
ajoaa-543	142	35	to	to	PART
ajoaa-543	142	36	demand	demand	VERB
ajoaa-543	142	37	credit	credit	NOUN
ajoaa-543	142	38	.	.	PUNCT
ajoaa-543	143	1	it	it	PRON
ajoaa-543	143	2	was	be	AUX
ajoaa-543	143	3	hypothesised	hypothesise	VERB
ajoaa-543	143	4	that	that	SCONJ
ajoaa-543	143	5	those	those	PRON
ajoaa-543	143	6	who	who	PRON
ajoaa-543	143	7	considered	consider	VERB
ajoaa-543	143	8	the	the	DET
ajoaa-543	143	9	application	application	NOUN
ajoaa-543	143	10	procedures	procedure	NOUN
ajoaa-543	143	11	as	as	ADV
ajoaa-543	143	12	cumbersome	cumbersome	ADJ
ajoaa-543	143	13	were	be	AUX
ajoaa-543	143	14	less	less	ADV
ajoaa-543	143	15	likely	likely	ADJ
ajoaa-543	143	16	to	to	PART
ajoaa-543	143	17	make	make	VERB
ajoaa-543	143	18	the	the	DET
ajoaa-543	143	19	decision	decision	NOUN
ajoaa-543	143	20	to	to	PART
ajoaa-543	143	21	demand	demand	VERB
ajoaa-543	143	22	credit	credit	NOUN
ajoaa-543	143	23	from	from	ADP
ajoaa-543	143	24	the	the	DET
ajoaa-543	143	25	rural	rural	ADJ
ajoaa-543	143	26	banks	bank	NOUN
ajoaa-543	143	27	and	and	CCONJ
ajoaa-543	143	28	the	the	DET
ajoaa-543	143	29	vice	vice	NOUN
ajoaa-543	143	30	versa	versa	ADV
ajoaa-543	143	31	.	.	PUNCT
ajoaa-543	144	1	those	those	DET
ajoaa-543	144	2	farmers	farmer	NOUN
ajoaa-543	144	3	who	who	PRON
ajoaa-543	144	4	said	say	VERB
ajoaa-543	144	5	the	the	DET
ajoaa-543	144	6	application	application	NOUN
ajoaa-543	144	7	procedures	procedure	NOUN
ajoaa-543	144	8	were	be	AUX
ajoaa-543	144	9	not	not	PART
ajoaa-543	144	10	cumbersome	cumbersome	ADJ
ajoaa-543	144	11	were	be	AUX
ajoaa-543	144	12	assigned	assign	VERB
ajoaa-543	144	13	a	a	DET
ajoaa-543	144	14	dummy	dummy	ADJ
ajoaa-543	144	15	value	value	NOUN
ajoaa-543	144	16	of	of	ADP
ajoaa-543	144	17	zero	zero	NUM
ajoaa-543	144	18	(	(	PUNCT
ajoaa-543	144	19	0	0	NUM
ajoaa-543	144	20	)	)	PUNCT
ajoaa-543	144	21	and	and	CCONJ
ajoaa-543	144	22	those	those	PRON
ajoaa-543	144	23	who	who	PRON
ajoaa-543	144	24	said	say	VERB
ajoaa-543	144	25	the	the	DET
ajoaa-543	144	26	application	application	NOUN
ajoaa-543	144	27	procedures	procedure	NOUN
ajoaa-543	144	28	were	be	AUX
ajoaa-543	144	29	cumbersome	cumbersome	ADJ
ajoaa-543	144	30	were	be	AUX
ajoaa-543	144	31	assigned	assign	VERB
ajoaa-543	144	32	a	a	DET
ajoaa-543	144	33	dummy	dummy	ADJ
ajoaa-543	144	34	value	value	NOUN
ajoaa-543	144	35	of	of	ADP
ajoaa-543	144	36	one	one	NUM
ajoaa-543	144	37	(	(	PUNCT
ajoaa-543	144	38	1	1	NUM
ajoaa-543	144	39	)	)	PUNCT
ajoaa-543	144	40	.	.	PUNCT
ajoaa-543	145	1	it	it	PRON
ajoaa-543	145	2	was	be	AUX
ajoaa-543	145	3	included	include	VERB
ajoaa-543	145	4	in	in	ADP
ajoaa-543	145	5	only	only	ADV
ajoaa-543	145	6	the	the	DET
ajoaa-543	145	7	logit	logit	PROPN
ajoaa-543	145	8	model	model	NOUN
ajoaa-543	145	9	estimation	estimation	NOUN
ajoaa-543	145	10	.	.	PUNCT
ajoaa-543	146	1	savings	saving	NOUN
ajoaa-543	146	2	(	(	PUNCT
ajoaa-543	146	3	x6	x6	PROPN
ajoaa-543	146	4	)	)	PUNCT
ajoaa-543	146	5	was	be	AUX
ajoaa-543	146	6	included	include	VERB
ajoaa-543	146	7	in	in	ADP
ajoaa-543	146	8	the	the	DET
ajoaa-543	146	9	study	study	NOUN
ajoaa-543	146	10	because	because	SCONJ
ajoaa-543	146	11	it	it	PRON
ajoaa-543	146	12	serves	serve	VERB
ajoaa-543	146	13	as	as	ADP
ajoaa-543	146	14	a	a	DET
ajoaa-543	146	15	proxy	proxy	NOUN
ajoaa-543	146	16	for	for	ADP
ajoaa-543	146	17	the	the	DET
ajoaa-543	146	18	net	net	ADJ
ajoaa-543	146	19	worth	worth	NOUN
ajoaa-543	146	20	of	of	ADP
ajoaa-543	146	21	the	the	DET
ajoaa-543	146	22	farmer	farmer	NOUN
ajoaa-543	146	23	.	.	PUNCT
ajoaa-543	147	1	the	the	DET
ajoaa-543	147	2	more	more	ADJ
ajoaa-543	147	3	savings	saving	NOUN
ajoaa-543	147	4	that	that	PRON
ajoaa-543	147	5	is	be	AUX
ajoaa-543	147	6	made	make	VERB
ajoaa-543	147	7	by	by	ADP
ajoaa-543	147	8	the	the	DET
ajoaa-543	147	9	farmer	farmer	NOUN
ajoaa-543	147	10	,	,	PUNCT
ajoaa-543	147	11	the	the	PRON
ajoaa-543	147	12	more	more	ADV
ajoaa-543	147	13	the	the	DET
ajoaa-543	147	14	likelihood	likelihood	NOUN
ajoaa-543	147	15	he	he	PRON
ajoaa-543	147	16	or	or	CCONJ
ajoaa-543	147	17	she	she	PRON
ajoaa-543	147	18	is	be	AUX
ajoaa-543	147	19	able	able	ADJ
ajoaa-543	147	20	to	to	PART
ajoaa-543	147	21	repay	repay	VERB
ajoaa-543	147	22	and	and	CCONJ
ajoaa-543	147	23	therefore	therefore	ADV
ajoaa-543	147	24	can	can	AUX
ajoaa-543	147	25	take	take	VERB
ajoaa-543	147	26	a	a	DET
ajoaa-543	147	27	higher	high	ADJ
ajoaa-543	147	28	amount	amount	NOUN
ajoaa-543	147	29	of	of	ADP
ajoaa-543	147	30	credit	credit	NOUN
ajoaa-543	147	31	.	.	PUNCT
ajoaa-543	148	1	it	it	PRON
ajoaa-543	148	2	was	be	AUX
ajoaa-543	148	3	measured	measure	VERB
ajoaa-543	148	4	as	as	ADP
ajoaa-543	148	5	a	a	DET
ajoaa-543	148	6	dummy	dummy	NOUN
ajoaa-543	148	7	for	for	ADP
ajoaa-543	148	8	the	the	DET
ajoaa-543	148	9	logit	logit	PROPN
ajoaa-543	148	10	model	model	NOUN
ajoaa-543	148	11	and	and	CCONJ
ajoaa-543	148	12	absolute	absolute	ADJ
ajoaa-543	148	13	amount	amount	NOUN
ajoaa-543	148	14	of	of	ADP
ajoaa-543	148	15	savings	saving	NOUN
ajoaa-543	148	16	made	make	VERB
ajoaa-543	148	17	in	in	ADP
ajoaa-543	148	18	ghana	ghana	PROPN
ajoaa-543	148	19	cedis	cedis	PROPN
ajoaa-543	148	20	for	for	ADP
ajoaa-543	148	21	the	the	DET
ajoaa-543	148	22	tobit	tobit	NOUN
ajoaa-543	148	23	model	model	NOUN
ajoaa-543	148	24	estimation	estimation	PROPN
ajoaa-543	148	25	.	.	PUNCT
ajoaa-543	149	1	the	the	DET
ajoaa-543	149	2	reason	reason	NOUN
ajoaa-543	149	3	for	for	ADP
ajoaa-543	149	4	using	use	VERB
ajoaa-543	149	5	dummy	dummy	NOUN
ajoaa-543	149	6	for	for	ADP
ajoaa-543	149	7	the	the	DET
ajoaa-543	149	8	logit	logit	NOUN
ajoaa-543	149	9	was	be	AUX
ajoaa-543	149	10	to	to	PART
ajoaa-543	149	11	capture	capture	VERB
ajoaa-543	149	12	the	the	DET
ajoaa-543	149	13	perceptions	perception	NOUN
ajoaa-543	149	14	of	of	ADP
ajoaa-543	149	15	farmers	farmer	NOUN
ajoaa-543	149	16	regarding	regard	VERB
ajoaa-543	149	17	the	the	DET
ajoaa-543	149	18	„	„	PUNCT
ajoaa-543	149	19	savings	saving	NOUN
ajoaa-543	149	20	before	before	ADP
ajoaa-543	149	21	credit	credit	NOUN
ajoaa-543	149	22	policy‟	policy‟	NOUN
ajoaa-543	149	23	by	by	ADP
ajoaa-543	149	24	the	the	DET
ajoaa-543	149	25	rural	rural	ADJ
ajoaa-543	149	26	banks	bank	NOUN
ajoaa-543	149	27	.	.	PUNCT
ajoaa-543	150	1	farmers	farmer	NOUN
ajoaa-543	150	2	who	who	PRON
ajoaa-543	150	3	did	do	AUX
ajoaa-543	150	4	not	not	PART
ajoaa-543	150	5	have	have	VERB
ajoaa-543	150	6	savings	saving	NOUN
ajoaa-543	150	7	with	with	ADP
ajoaa-543	150	8	the	the	DET
ajoaa-543	150	9	rural	rural	ADJ
ajoaa-543	150	10	banks	bank	NOUN
ajoaa-543	150	11	were	be	AUX
ajoaa-543	150	12	assigned	assign	VERB
ajoaa-543	150	13	a	a	DET
ajoaa-543	150	14	dummy	dummy	ADJ
ajoaa-543	150	15	value	value	NOUN
ajoaa-543	150	16	of	of	ADP
ajoaa-543	150	17	zero	zero	NUM
ajoaa-543	150	18	(	(	PUNCT
ajoaa-543	150	19	0	0	NUM
ajoaa-543	150	20	)	)	PUNCT
ajoaa-543	150	21	and	and	CCONJ
ajoaa-543	150	22	those	those	PRON
ajoaa-543	150	23	who	who	PRON
ajoaa-543	150	24	had	have	VERB
ajoaa-543	150	25	savings	saving	NOUN
ajoaa-543	150	26	with	with	ADP
ajoaa-543	150	27	the	the	DET
ajoaa-543	150	28	rural	rural	ADJ
ajoaa-543	150	29	banks	bank	NOUN
ajoaa-543	150	30	assigned	assign	VERB
ajoaa-543	150	31	a	a	DET
ajoaa-543	150	32	dummy	dummy	ADJ
ajoaa-543	150	33	value	value	NOUN
ajoaa-543	150	34	of	of	ADP
ajoaa-543	150	35	one	one	NUM
ajoaa-543	150	36	(	(	PUNCT
ajoaa-543	150	37	1	1	NUM
ajoaa-543	150	38	)	)	PUNCT
ajoaa-543	150	39	.	.	PUNCT
ajoaa-543	151	1	on	on	ADP
ajoaa-543	151	2	the	the	DET
ajoaa-543	151	3	other	other	ADJ
ajoaa-543	151	4	hand	hand	NOUN
ajoaa-543	151	5	,	,	PUNCT
ajoaa-543	151	6	since	since	SCONJ
ajoaa-543	151	7	a	a	DET
ajoaa-543	151	8	dummy	dummy	NOUN
ajoaa-543	151	9	for	for	ADP
ajoaa-543	151	10	savings	saving	NOUN
ajoaa-543	151	11	captures	capture	NOUN
ajoaa-543	151	12	perceptions	perception	NOUN
ajoaa-543	151	13	which	which	PRON
ajoaa-543	151	14	may	may	AUX
ajoaa-543	151	15	not	not	PART
ajoaa-543	151	16	necessarily	necessarily	ADV
ajoaa-543	151	17	be	be	AUX
ajoaa-543	151	18	true	true	ADJ
ajoaa-543	151	19	,	,	PUNCT
ajoaa-543	151	20	the	the	DET
ajoaa-543	151	21	real	real	ADJ
ajoaa-543	151	22	amount	amount	NOUN
ajoaa-543	151	23	of	of	ADP
ajoaa-543	151	24	savings	saving	NOUN
ajoaa-543	151	25	made	make	VERB
ajoaa-543	151	26	in	in	ADP
ajoaa-543	151	27	ghana	ghana	PROPN
ajoaa-543	151	28	cedis	cedis	PROPN
ajoaa-543	151	29	with	with	ADP
ajoaa-543	151	30	rural	rural	ADJ
ajoaa-543	151	31	banks	bank	NOUN
ajoaa-543	151	32	by	by	ADP
ajoaa-543	151	33	farmers	farmer	NOUN
ajoaa-543	151	34	was	be	AUX
ajoaa-543	151	35	used	use	VERB
ajoaa-543	151	36	for	for	ADP
ajoaa-543	151	37	the	the	DET
ajoaa-543	151	38	tobit	tobit	NOUN
ajoaa-543	151	39	estimation	estimation	NOUN
ajoaa-543	151	40	.	.	PUNCT
ajoaa-543	152	1	in	in	ADP
ajoaa-543	152	2	both	both	DET
ajoaa-543	152	3	cases	case	NOUN
ajoaa-543	152	4	,	,	PUNCT
ajoaa-543	152	5	it	it	PRON
ajoaa-543	152	6	was	be	AUX
ajoaa-543	152	7	hypothesized	hypothesize	VERB
ajoaa-543	152	8	to	to	PART
ajoaa-543	152	9	have	have	VERB
ajoaa-543	152	10	positive	positive	ADJ
ajoaa-543	152	11	effects	effect	NOUN
ajoaa-543	152	12	on	on	ADP
ajoaa-543	152	13	farmers‟	farmers‟	NOUN
ajoaa-543	152	14	decisions	decision	NOUN
ajoaa-543	152	15	to	to	PART
ajoaa-543	152	16	demand	demand	VERB
ajoaa-543	152	17	credit	credit	NOUN
ajoaa-543	152	18	and	and	CCONJ
ajoaa-543	152	19	the	the	DET
ajoaa-543	152	20	amount	amount	NOUN
ajoaa-543	152	21	supplied	supply	VERB
ajoaa-543	152	22	to	to	ADP
ajoaa-543	152	23	them	they	PRON
ajoaa-543	152	24	by	by	ADP
ajoaa-543	152	25	the	the	DET
ajoaa-543	152	26	rural	rural	ADJ
ajoaa-543	152	27	banks	bank	NOUN
ajoaa-543	152	28	.	.	PUNCT
ajoaa-543	153	1	the	the	DET
ajoaa-543	153	2	farm	farm	NOUN
ajoaa-543	153	3	size	size	NOUN
ajoaa-543	153	4	(	(	PUNCT
ajoaa-543	153	5	x7	x7	NOUN
ajoaa-543	153	6	)	)	PUNCT
ajoaa-543	153	7	was	be	AUX
ajoaa-543	153	8	also	also	ADV
ajoaa-543	153	9	included	include	VERB
ajoaa-543	153	10	because	because	SCONJ
ajoaa-543	153	11	it	it	PRON
ajoaa-543	153	12	can	can	AUX
ajoaa-543	153	13	be	be	AUX
ajoaa-543	153	14	used	use	VERB
ajoaa-543	153	15	to	to	PART
ajoaa-543	153	16	estimate	estimate	VERB
ajoaa-543	153	17	the	the	DET
ajoaa-543	153	18	potential	potential	ADJ
ajoaa-543	153	19	income	income	NOUN
ajoaa-543	153	20	of	of	ADP
ajoaa-543	153	21	the	the	DET
ajoaa-543	153	22	borrower	borrower	NOUN
ajoaa-543	153	23	and	and	CCONJ
ajoaa-543	153	24	was	be	AUX
ajoaa-543	153	25	expected	expect	VERB
ajoaa-543	153	26	to	to	PART
ajoaa-543	153	27	have	have	VERB
ajoaa-543	153	28	a	a	DET
ajoaa-543	153	29	positive	positive	ADJ
ajoaa-543	153	30	influence	influence	NOUN
ajoaa-543	153	31	on	on	ADP
ajoaa-543	153	32	both	both	CCONJ
ajoaa-543	153	33	the	the	DET
ajoaa-543	153	34	decision	decision	NOUN
ajoaa-543	153	35	to	to	PART
ajoaa-543	153	36	demand	demand	VERB
ajoaa-543	153	37	credit	credit	NOUN
ajoaa-543	153	38	and	and	CCONJ
ajoaa-543	153	39	the	the	DET
ajoaa-543	153	40	extent	extent	NOUN
ajoaa-543	153	41	of	of	ADP
ajoaa-543	153	42	supply	supply	NOUN
ajoaa-543	153	43	of	of	ADP
ajoaa-543	153	44	it	it	PRON
ajoaa-543	153	45	by	by	ADP
ajoaa-543	153	46	asian	asian	ADJ
ajoaa-543	153	47	journal	journal	PROPN
ajoaa-543	153	48	of	of	ADP
ajoaa-543	153	49	agriculture	agriculture	NOUN
ajoaa-543	153	50	and	and	CCONJ
ajoaa-543	153	51	rural	rural	ADJ
ajoaa-543	153	52	development	development	NOUN
ajoaa-543	153	53	,	,	PUNCT
ajoaa-543	153	54	2(2	2(2	NUM
ajoaa-543	153	55	)	)	PUNCT
ajoaa-543	153	56	,	,	PUNCT
ajoaa-543	154	1	pp	pp	ADP
ajoaa-543	154	2	.	.	PUNCT
ajoaa-543	155	1	189	189	NUM
ajoaa-543	155	2	-	-	SYM
ajoaa-543	155	3	200	200	NUM
ajoaa-543	155	4	194	194	NUM
ajoaa-543	155	5	the	the	DET
ajoaa-543	155	6	banks	bank	NOUN
ajoaa-543	155	7	.	.	PUNCT
ajoaa-543	156	1	it	it	PRON
ajoaa-543	156	2	was	be	AUX
ajoaa-543	156	3	measured	measure	VERB
ajoaa-543	156	4	in	in	ADP
ajoaa-543	156	5	hectares	hectare	NOUN
ajoaa-543	156	6	.	.	PUNCT
ajoaa-543	157	1	it	it	PRON
ajoaa-543	157	2	was	be	AUX
ajoaa-543	157	3	however	however	ADV
ajoaa-543	157	4	,	,	PUNCT
ajoaa-543	157	5	dropped	drop	VERB
ajoaa-543	157	6	from	from	ADP
ajoaa-543	157	7	the	the	DET
ajoaa-543	157	8	tobit	tobit	NOUN
ajoaa-543	157	9	estimation	estimation	NOUN
ajoaa-543	157	10	because	because	SCONJ
ajoaa-543	157	11	it	it	PRON
ajoaa-543	157	12	was	be	AUX
ajoaa-543	157	13	not	not	PART
ajoaa-543	157	14	only	only	ADV
ajoaa-543	157	15	insignificant	insignificant	ADJ
ajoaa-543	157	16	but	but	CCONJ
ajoaa-543	157	17	also	also	ADV
ajoaa-543	157	18	correlated	correlate	VERB
ajoaa-543	157	19	strongly	strongly	ADV
ajoaa-543	157	20	with	with	ADP
ajoaa-543	157	21	the	the	DET
ajoaa-543	157	22	amount	amount	NOUN
ajoaa-543	157	23	of	of	ADP
ajoaa-543	157	24	savings	saving	NOUN
ajoaa-543	157	25	made	make	VERB
ajoaa-543	157	26	by	by	ADP
ajoaa-543	157	27	farmers	farmer	NOUN
ajoaa-543	157	28	with	with	ADP
ajoaa-543	157	29	the	the	DET
ajoaa-543	157	30	rural	rural	ADJ
ajoaa-543	157	31	banks	bank	NOUN
ajoaa-543	157	32	.	.	PUNCT
ajoaa-543	158	1	the	the	PRON
ajoaa-543	158	2	higher	high	ADJ
ajoaa-543	158	3	the	the	DET
ajoaa-543	158	4	perception	perception	NOUN
ajoaa-543	158	5	of	of	ADP
ajoaa-543	158	6	farmers	farmer	NOUN
ajoaa-543	158	7	that	that	PRON
ajoaa-543	158	8	interest	interest	NOUN
ajoaa-543	158	9	rate	rate	NOUN
ajoaa-543	158	10	is	be	AUX
ajoaa-543	158	11	high	high	ADJ
ajoaa-543	158	12	(	(	PUNCT
ajoaa-543	158	13	x8	x8	PROPN
ajoaa-543	158	14	)	)	PUNCT
ajoaa-543	158	15	,	,	PUNCT
ajoaa-543	158	16	the	the	PRON
ajoaa-543	158	17	lower	low	ADJ
ajoaa-543	158	18	the	the	DET
ajoaa-543	158	19	probability	probability	NOUN
ajoaa-543	158	20	that	that	SCONJ
ajoaa-543	158	21	they	they	PRON
ajoaa-543	158	22	will	will	AUX
ajoaa-543	158	23	decide	decide	VERB
ajoaa-543	158	24	to	to	PART
ajoaa-543	158	25	demand	demand	VERB
ajoaa-543	158	26	credit	credit	NOUN
ajoaa-543	158	27	from	from	ADP
ajoaa-543	158	28	rural	rural	ADJ
ajoaa-543	158	29	banks	bank	NOUN
ajoaa-543	158	30	.	.	PUNCT
ajoaa-543	159	1	as	as	ADP
ajoaa-543	159	2	such	such	ADJ
ajoaa-543	159	3	,	,	PUNCT
ajoaa-543	159	4	it	it	PRON
ajoaa-543	159	5	was	be	AUX
ajoaa-543	159	6	hypothesized	hypothesize	VERB
ajoaa-543	159	7	to	to	PART
ajoaa-543	159	8	be	be	AUX
ajoaa-543	159	9	a	a	DET
ajoaa-543	159	10	negative	negative	ADJ
ajoaa-543	159	11	determinant	determinant	NOUN
ajoaa-543	159	12	of	of	ADP
ajoaa-543	159	13	credit	credit	NOUN
ajoaa-543	159	14	demand	demand	NOUN
ajoaa-543	159	15	.	.	PUNCT
ajoaa-543	160	1	those	those	DET
ajoaa-543	160	2	farmers	farmer	NOUN
ajoaa-543	160	3	who	who	PRON
ajoaa-543	160	4	said	say	VERB
ajoaa-543	160	5	they	they	PRON
ajoaa-543	160	6	did	do	AUX
ajoaa-543	160	7	not	not	PART
ajoaa-543	160	8	perceive	perceive	VERB
ajoaa-543	160	9	the	the	DET
ajoaa-543	160	10	interest	interest	NOUN
ajoaa-543	160	11	rate	rate	NOUN
ajoaa-543	160	12	charged	charge	VERB
ajoaa-543	160	13	by	by	ADP
ajoaa-543	160	14	the	the	DET
ajoaa-543	160	15	rural	rural	ADJ
ajoaa-543	160	16	banks	bank	NOUN
ajoaa-543	160	17	to	to	PART
ajoaa-543	160	18	be	be	AUX
ajoaa-543	160	19	high	high	ADJ
ajoaa-543	160	20	were	be	AUX
ajoaa-543	160	21	assigned	assign	VERB
ajoaa-543	160	22	a	a	DET
ajoaa-543	160	23	dummy	dummy	ADJ
ajoaa-543	160	24	value	value	NOUN
ajoaa-543	160	25	of	of	ADP
ajoaa-543	160	26	zero	zero	NUM
ajoaa-543	160	27	(	(	PUNCT
ajoaa-543	160	28	0	0	NUM
ajoaa-543	160	29	)	)	PUNCT
ajoaa-543	160	30	and	and	CCONJ
ajoaa-543	160	31	those	those	PRON
ajoaa-543	160	32	who	who	PRON
ajoaa-543	160	33	said	say	VERB
ajoaa-543	160	34	they	they	PRON
ajoaa-543	160	35	perceived	perceive	VERB
ajoaa-543	160	36	the	the	DET
ajoaa-543	160	37	interest	interest	NOUN
ajoaa-543	160	38	rate	rate	NOUN
ajoaa-543	160	39	charged	charge	VERB
ajoaa-543	160	40	by	by	ADP
ajoaa-543	160	41	the	the	DET
ajoaa-543	160	42	rural	rural	ADJ
ajoaa-543	160	43	banks	bank	NOUN
ajoaa-543	160	44	to	to	PART
ajoaa-543	160	45	be	be	AUX
ajoaa-543	160	46	high	high	ADJ
ajoaa-543	160	47	were	be	AUX
ajoaa-543	160	48	assigned	assign	VERB
ajoaa-543	160	49	a	a	DET
ajoaa-543	160	50	dummy	dummy	ADJ
ajoaa-543	160	51	value	value	NOUN
ajoaa-543	160	52	of	of	ADP
ajoaa-543	160	53	one	one	NUM
ajoaa-543	160	54	(	(	PUNCT
ajoaa-543	160	55	1	1	NUM
ajoaa-543	160	56	)	)	PUNCT
ajoaa-543	160	57	.	.	PUNCT
ajoaa-543	161	1	it	it	PRON
ajoaa-543	161	2	was	be	AUX
ajoaa-543	161	3	used	use	VERB
ajoaa-543	161	4	for	for	ADP
ajoaa-543	161	5	the	the	DET
ajoaa-543	161	6	logit	logit	PROPN
ajoaa-543	161	7	estimation	estimation	NOUN
ajoaa-543	161	8	only	only	ADV
ajoaa-543	161	9	.	.	PUNCT
ajoaa-543	162	1	the	the	DET
ajoaa-543	162	2	gender	gender	NOUN
ajoaa-543	162	3	(	(	PUNCT
ajoaa-543	162	4	x9	x9	PROPN
ajoaa-543	162	5	)	)	PUNCT
ajoaa-543	162	6	of	of	ADP
ajoaa-543	162	7	farmers	farmer	NOUN
ajoaa-543	162	8	was	be	AUX
ajoaa-543	162	9	also	also	ADV
ajoaa-543	162	10	included	include	VERB
ajoaa-543	162	11	in	in	ADP
ajoaa-543	162	12	the	the	DET
ajoaa-543	162	13	estimation	estimation	NOUN
ajoaa-543	162	14	and	and	CCONJ
ajoaa-543	162	15	was	be	AUX
ajoaa-543	162	16	expected	expect	VERB
ajoaa-543	162	17	to	to	PART
ajoaa-543	162	18	be	be	AUX
ajoaa-543	162	19	either	either	CCONJ
ajoaa-543	162	20	positive	positive	ADJ
ajoaa-543	162	21	or	or	CCONJ
ajoaa-543	162	22	negative	negative	ADJ
ajoaa-543	162	23	.	.	PUNCT
ajoaa-543	163	1	men	man	NOUN
ajoaa-543	163	2	were	be	AUX
ajoaa-543	163	3	assigned	assign	VERB
ajoaa-543	163	4	a	a	DET
ajoaa-543	163	5	dummy	dummy	ADJ
ajoaa-543	163	6	value	value	NOUN
ajoaa-543	163	7	of	of	ADP
ajoaa-543	163	8	zero	zero	NUM
ajoaa-543	163	9	(	(	PUNCT
ajoaa-543	163	10	0	0	NUM
ajoaa-543	163	11	)	)	PUNCT
ajoaa-543	163	12	and	and	CCONJ
ajoaa-543	163	13	women	woman	NOUN
ajoaa-543	163	14	assigned	assign	VERB
ajoaa-543	163	15	a	a	DET
ajoaa-543	163	16	dummy	dummy	ADJ
ajoaa-543	163	17	value	value	NOUN
ajoaa-543	163	18	of	of	ADP
ajoaa-543	163	19	one	one	NUM
ajoaa-543	163	20	(	(	PUNCT
ajoaa-543	163	21	1	1	NUM
ajoaa-543	163	22	)	)	PUNCT
ajoaa-543	163	23	.	.	PUNCT
ajoaa-543	164	1	it	it	PRON
ajoaa-543	164	2	was	be	AUX
ajoaa-543	164	3	used	use	VERB
ajoaa-543	164	4	in	in	ADP
ajoaa-543	164	5	only	only	ADV
ajoaa-543	164	6	the	the	DET
ajoaa-543	164	7	logit	logit	PROPN
ajoaa-543	164	8	model	model	NOUN
ajoaa-543	164	9	estimation	estimation	PROPN
ajoaa-543	164	10	.	.	PUNCT
ajoaa-543	165	1	the	the	PRON
ajoaa-543	165	2	more	more	ADV
ajoaa-543	165	3	difficult	difficult	ADJ
ajoaa-543	165	4	it	it	PRON
ajoaa-543	165	5	is	be	AUX
ajoaa-543	165	6	to	to	PART
ajoaa-543	165	7	access	access	VERB
ajoaa-543	165	8	land	land	NOUN
ajoaa-543	165	9	for	for	ADP
ajoaa-543	165	10	farming	farming	NOUN
ajoaa-543	165	11	(	(	PUNCT
ajoaa-543	165	12	x10	x10	NOUN
ajoaa-543	165	13	)	)	PUNCT
ajoaa-543	165	14	,	,	PUNCT
ajoaa-543	165	15	the	the	PRON
ajoaa-543	165	16	lesser	less	ADJ
ajoaa-543	165	17	the	the	DET
ajoaa-543	165	18	probability	probability	NOUN
ajoaa-543	165	19	that	that	SCONJ
ajoaa-543	165	20	farmers	farmer	NOUN
ajoaa-543	165	21	would	would	AUX
ajoaa-543	165	22	demand	demand	VERB
ajoaa-543	165	23	credit	credit	NOUN
ajoaa-543	165	24	from	from	ADP
ajoaa-543	165	25	the	the	DET
ajoaa-543	165	26	rural	rural	ADJ
ajoaa-543	165	27	banks	bank	NOUN
ajoaa-543	165	28	for	for	ADP
ajoaa-543	165	29	farming	farming	NOUN
ajoaa-543	165	30	.	.	PUNCT
ajoaa-543	166	1	it	it	PRON
ajoaa-543	166	2	was	be	AUX
ajoaa-543	166	3	hypothesized	hypothesize	VERB
ajoaa-543	166	4	to	to	PART
ajoaa-543	166	5	have	have	VERB
ajoaa-543	166	6	positive	positive	ADJ
ajoaa-543	166	7	effect	effect	NOUN
ajoaa-543	166	8	on	on	ADP
ajoaa-543	166	9	the	the	DET
ajoaa-543	166	10	decision	decision	NOUN
ajoaa-543	166	11	to	to	PART
ajoaa-543	166	12	demand	demand	VERB
ajoaa-543	166	13	credit	credit	NOUN
ajoaa-543	166	14	from	from	ADP
ajoaa-543	166	15	the	the	DET
ajoaa-543	166	16	rural	rural	ADJ
ajoaa-543	166	17	banks	bank	NOUN
ajoaa-543	166	18	by	by	ADP
ajoaa-543	166	19	farmers	farmer	NOUN
ajoaa-543	166	20	.	.	PUNCT
ajoaa-543	167	1	farmers	farmer	NOUN
ajoaa-543	167	2	who	who	PRON
ajoaa-543	167	3	said	say	VERB
ajoaa-543	167	4	they	they	PRON
ajoaa-543	167	5	did	do	AUX
ajoaa-543	167	6	not	not	PART
ajoaa-543	167	7	have	have	VERB
ajoaa-543	167	8	access	access	NOUN
ajoaa-543	167	9	to	to	ADP
ajoaa-543	167	10	farm	farm	NOUN
ajoaa-543	167	11	lands	land	NOUN
ajoaa-543	167	12	were	be	AUX
ajoaa-543	167	13	assigned	assign	VERB
ajoaa-543	167	14	a	a	DET
ajoaa-543	167	15	dummy	dummy	ADJ
ajoaa-543	167	16	value	value	NOUN
ajoaa-543	167	17	of	of	ADP
ajoaa-543	167	18	zero	zero	NUM
ajoaa-543	167	19	(	(	PUNCT
ajoaa-543	167	20	0	0	NUM
ajoaa-543	167	21	)	)	PUNCT
ajoaa-543	167	22	and	and	CCONJ
ajoaa-543	167	23	those	those	PRON
ajoaa-543	167	24	who	who	PRON
ajoaa-543	167	25	said	say	VERB
ajoaa-543	167	26	they	they	PRON
ajoaa-543	167	27	had	have	VERB
ajoaa-543	167	28	access	access	NOUN
ajoaa-543	167	29	to	to	ADP
ajoaa-543	167	30	farm	farm	NOUN
ajoaa-543	167	31	lands	land	NOUN
ajoaa-543	167	32	were	be	AUX
ajoaa-543	167	33	assigned	assign	VERB
ajoaa-543	167	34	a	a	DET
ajoaa-543	167	35	dummy	dummy	ADJ
ajoaa-543	167	36	value	value	NOUN
ajoaa-543	167	37	of	of	ADP
ajoaa-543	167	38	one	one	NUM
ajoaa-543	167	39	(	(	PUNCT
ajoaa-543	167	40	1	1	NUM
ajoaa-543	167	41	)	)	PUNCT
ajoaa-543	167	42	.	.	PUNCT
ajoaa-543	168	1	it	it	PRON
ajoaa-543	168	2	was	be	AUX
ajoaa-543	168	3	used	use	VERB
ajoaa-543	168	4	for	for	ADP
ajoaa-543	168	5	the	the	DET
ajoaa-543	168	6	logit	logit	PROPN
ajoaa-543	168	7	model	model	NOUN
ajoaa-543	168	8	estimation	estimation	NOUN
ajoaa-543	168	9	only	only	ADV
ajoaa-543	168	10	.	.	PUNCT
ajoaa-543	169	1	active	active	ADJ
ajoaa-543	169	2	political	political	ADJ
ajoaa-543	169	3	affiliation	affiliation	NOUN
ajoaa-543	169	4	(	(	PUNCT
ajoaa-543	169	5	x11	x11	NOUN
ajoaa-543	169	6	)	)	PUNCT
ajoaa-543	169	7	was	be	AUX
ajoaa-543	169	8	hypothesized	hypothesize	VERB
ajoaa-543	169	9	to	to	PART
ajoaa-543	169	10	be	be	AUX
ajoaa-543	169	11	positively	positively	ADV
ajoaa-543	169	12	related	relate	VERB
ajoaa-543	169	13	to	to	ADP
ajoaa-543	169	14	the	the	DET
ajoaa-543	169	15	farmers‟	farmers‟	NOUN
ajoaa-543	169	16	credit	credit	NOUN
ajoaa-543	169	17	demand	demand	NOUN
ajoaa-543	169	18	from	from	ADP
ajoaa-543	169	19	rural	rural	ADJ
ajoaa-543	169	20	banks	bank	NOUN
ajoaa-543	169	21	.	.	PUNCT
ajoaa-543	170	1	this	this	PRON
ajoaa-543	170	2	is	be	AUX
ajoaa-543	170	3	because	because	SCONJ
ajoaa-543	170	4	it	it	PRON
ajoaa-543	170	5	has	have	AUX
ajoaa-543	170	6	been	be	AUX
ajoaa-543	170	7	observed	observe	VERB
ajoaa-543	170	8	that	that	SCONJ
ajoaa-543	170	9	some	some	DET
ajoaa-543	170	10	poverty	poverty	NOUN
ajoaa-543	170	11	alleviation	alleviation	NOUN
ajoaa-543	170	12	interventions	intervention	NOUN
ajoaa-543	170	13	by	by	ADP
ajoaa-543	170	14	the	the	DET
ajoaa-543	170	15	metropolitan	metropolitan	ADJ
ajoaa-543	170	16	,	,	PUNCT
ajoaa-543	170	17	municipal	municipal	ADJ
ajoaa-543	170	18	and	and	CCONJ
ajoaa-543	170	19	district	district	NOUN
ajoaa-543	170	20	assemblies	assembly	NOUN
ajoaa-543	170	21	(	(	PUNCT
ajoaa-543	170	22	mmdas	mmdas	PROPN
ajoaa-543	170	23	)	)	PUNCT
ajoaa-543	170	24	have	have	VERB
ajoaa-543	170	25	credit	credit	NOUN
ajoaa-543	170	26	components	component	NOUN
ajoaa-543	170	27	which	which	PRON
ajoaa-543	170	28	are	be	AUX
ajoaa-543	170	29	channeled	channel	VERB
ajoaa-543	170	30	through	through	ADP
ajoaa-543	170	31	the	the	DET
ajoaa-543	170	32	banks	bank	NOUN
ajoaa-543	170	33	for	for	ADP
ajoaa-543	170	34	disbursement	disbursement	NOUN
ajoaa-543	170	35	.	.	PUNCT
ajoaa-543	171	1	political	political	ADJ
ajoaa-543	171	2	appointees	appointee	NOUN
ajoaa-543	171	3	of	of	ADP
ajoaa-543	171	4	the	the	DET
ajoaa-543	171	5	mmdas	mmdas	PROPN
ajoaa-543	171	6	use	use	VERB
ajoaa-543	171	7	these	these	DET
ajoaa-543	171	8	credit	credit	NOUN
ajoaa-543	171	9	facilities	facility	NOUN
ajoaa-543	171	10	to	to	PART
ajoaa-543	171	11	appease	appease	VERB
ajoaa-543	171	12	their	their	PRON
ajoaa-543	171	13	followers	follower	NOUN
ajoaa-543	171	14	.	.	PUNCT
ajoaa-543	172	1	it	it	PRON
ajoaa-543	172	2	was	be	AUX
ajoaa-543	172	3	therefore	therefore	ADV
ajoaa-543	172	4	envisaged	envisage	VERB
ajoaa-543	172	5	that	that	SCONJ
ajoaa-543	172	6	active	active	ADJ
ajoaa-543	172	7	affiliation	affiliation	NOUN
ajoaa-543	172	8	with	with	ADP
ajoaa-543	172	9	a	a	DET
ajoaa-543	172	10	given	give	VERB
ajoaa-543	172	11	political	political	ADJ
ajoaa-543	172	12	party	party	NOUN
ajoaa-543	172	13	will	will	AUX
ajoaa-543	172	14	have	have	VERB
ajoaa-543	172	15	a	a	DET
ajoaa-543	172	16	positive	positive	ADJ
ajoaa-543	172	17	influence	influence	NOUN
ajoaa-543	172	18	on	on	ADP
ajoaa-543	172	19	the	the	DET
ajoaa-543	172	20	demand	demand	NOUN
ajoaa-543	172	21	for	for	ADP
ajoaa-543	172	22	such	such	ADJ
ajoaa-543	172	23	credit	credit	NOUN
ajoaa-543	172	24	facilities	facility	NOUN
ajoaa-543	172	25	from	from	ADP
ajoaa-543	172	26	the	the	DET
ajoaa-543	172	27	rural	rural	ADJ
ajoaa-543	172	28	banks	bank	NOUN
ajoaa-543	172	29	.	.	PUNCT
ajoaa-543	173	1	those	those	PRON
ajoaa-543	173	2	who	who	PRON
ajoaa-543	173	3	said	say	VERB
ajoaa-543	173	4	they	they	PRON
ajoaa-543	173	5	were	be	AUX
ajoaa-543	173	6	not	not	PART
ajoaa-543	173	7	actively	actively	ADV
ajoaa-543	173	8	affiliated	affiliate	VERB
ajoaa-543	173	9	to	to	ADP
ajoaa-543	173	10	any	any	DET
ajoaa-543	173	11	political	political	ADJ
ajoaa-543	173	12	party	party	NOUN
ajoaa-543	173	13	in	in	ADP
ajoaa-543	173	14	ghana	ghana	PROPN
ajoaa-543	173	15	were	be	AUX
ajoaa-543	173	16	assigned	assign	VERB
ajoaa-543	173	17	a	a	DET
ajoaa-543	173	18	dummy	dummy	ADJ
ajoaa-543	173	19	value	value	NOUN
ajoaa-543	173	20	of	of	ADP
ajoaa-543	173	21	zero	zero	NUM
ajoaa-543	173	22	(	(	PUNCT
ajoaa-543	173	23	0	0	NUM
ajoaa-543	173	24	)	)	PUNCT
ajoaa-543	173	25	and	and	CCONJ
ajoaa-543	173	26	those	those	PRON
ajoaa-543	173	27	who	who	PRON
ajoaa-543	173	28	said	say	VERB
ajoaa-543	173	29	they	they	PRON
ajoaa-543	173	30	were	be	AUX
ajoaa-543	173	31	actively	actively	ADV
ajoaa-543	173	32	affiliated	affiliate	VERB
ajoaa-543	173	33	to	to	ADP
ajoaa-543	173	34	one	one	NUM
ajoaa-543	173	35	political	political	ADJ
ajoaa-543	173	36	party	party	NOUN
ajoaa-543	173	37	or	or	CCONJ
ajoaa-543	173	38	the	the	DET
ajoaa-543	173	39	other	other	ADJ
ajoaa-543	173	40	in	in	ADP
ajoaa-543	173	41	ghana	ghana	PROPN
ajoaa-543	173	42	were	be	AUX
ajoaa-543	173	43	assigned	assign	VERB
ajoaa-543	173	44	a	a	DET
ajoaa-543	173	45	dummy	dummy	ADJ
ajoaa-543	173	46	value	value	NOUN
ajoaa-543	173	47	of	of	ADP
ajoaa-543	173	48	one	one	NUM
ajoaa-543	173	49	(	(	PUNCT
ajoaa-543	173	50	1	1	NUM
ajoaa-543	173	51	)	)	PUNCT
ajoaa-543	173	52	.	.	PUNCT
ajoaa-543	174	1	it	it	PRON
ajoaa-543	174	2	was	be	AUX
ajoaa-543	174	3	used	use	VERB
ajoaa-543	174	4	for	for	ADP
ajoaa-543	174	5	the	the	DET
ajoaa-543	174	6	logit	logit	PROPN
ajoaa-543	174	7	model	model	NOUN
ajoaa-543	174	8	estimation	estimation	NOUN
ajoaa-543	174	9	only	only	ADV
ajoaa-543	174	10	.	.	PUNCT
ajoaa-543	175	1	membership	membership	NOUN
ajoaa-543	175	2	of	of	ADP
ajoaa-543	175	3	solidarity	solidarity	NOUN
ajoaa-543	175	4	groups	group	NOUN
ajoaa-543	175	5	or	or	CCONJ
ajoaa-543	175	6	associations	association	NOUN
ajoaa-543	175	7	(	(	PUNCT
ajoaa-543	175	8	x12	x12	NUM
ajoaa-543	175	9	)	)	PUNCT
ajoaa-543	175	10	is	be	AUX
ajoaa-543	175	11	said	say	VERB
ajoaa-543	175	12	to	to	PART
ajoaa-543	175	13	be	be	AUX
ajoaa-543	175	14	a	a	DET
ajoaa-543	175	15	fundamental	fundamental	ADJ
ajoaa-543	175	16	requirement	requirement	NOUN
ajoaa-543	175	17	for	for	ADP
ajoaa-543	175	18	demanding	demand	VERB
ajoaa-543	175	19	credit	credit	NOUN
ajoaa-543	175	20	by	by	ADP
ajoaa-543	175	21	small	small	ADJ
ajoaa-543	175	22	borrowers	borrower	NOUN
ajoaa-543	175	23	(	(	PUNCT
ajoaa-543	175	24	lukytawati	lukytawati	NOUN
ajoaa-543	175	25	,	,	PUNCT
ajoaa-543	175	26	2009	2009	NUM
ajoaa-543	175	27	)	)	PUNCT
ajoaa-543	175	28	.	.	PUNCT
ajoaa-543	176	1	group	group	NOUN
ajoaa-543	176	2	based	base	VERB
ajoaa-543	176	3	lending	lending	NOUN
ajoaa-543	176	4	is	be	AUX
ajoaa-543	176	5	a	a	DET
ajoaa-543	176	6	way	way	NOUN
ajoaa-543	176	7	of	of	ADP
ajoaa-543	176	8	circumventing	circumvent	VERB
ajoaa-543	176	9	adverse	adverse	ADJ
ajoaa-543	176	10	selection	selection	NOUN
ajoaa-543	176	11	and	and	CCONJ
ajoaa-543	176	12	moral	moral	ADJ
ajoaa-543	176	13	hazard	hazard	NOUN
ajoaa-543	176	14	issues	issue	NOUN
ajoaa-543	176	15	(	(	PUNCT
ajoaa-543	176	16	armendariz	armendariz	NOUN
ajoaa-543	176	17	and	and	CCONJ
ajoaa-543	176	18	morduch	morduch	ADJ
ajoaa-543	176	19	,	,	PUNCT
ajoaa-543	176	20	2005	2005	NUM
ajoaa-543	176	21	)	)	PUNCT
ajoaa-543	176	22	.	.	PUNCT
ajoaa-543	177	1	farmers	farmer	NOUN
ajoaa-543	177	2	who	who	PRON
ajoaa-543	177	3	belong	belong	VERB
ajoaa-543	177	4	to	to	ADP
ajoaa-543	177	5	social	social	ADJ
ajoaa-543	177	6	or	or	CCONJ
ajoaa-543	177	7	income	income	NOUN
ajoaa-543	177	8	generating	generating	NOUN
ajoaa-543	177	9	groups	group	NOUN
ajoaa-543	177	10	are	be	AUX
ajoaa-543	177	11	more	more	ADV
ajoaa-543	177	12	likely	likely	ADJ
ajoaa-543	177	13	to	to	PART
ajoaa-543	177	14	demand	demand	VERB
ajoaa-543	177	15	credit	credit	NOUN
ajoaa-543	177	16	from	from	ADP
ajoaa-543	177	17	the	the	DET
ajoaa-543	177	18	rural	rural	ADJ
ajoaa-543	177	19	banks	bank	NOUN
ajoaa-543	177	20	than	than	ADP
ajoaa-543	177	21	those	those	PRON
ajoaa-543	177	22	who	who	PRON
ajoaa-543	177	23	do	do	VERB
ajoaa-543	177	24	not	not	PART
ajoaa-543	177	25	.	.	PUNCT
ajoaa-543	178	1	this	this	PRON
ajoaa-543	178	2	is	be	AUX
ajoaa-543	178	3	because	because	SCONJ
ajoaa-543	178	4	most	most	ADJ
ajoaa-543	178	5	of	of	ADP
ajoaa-543	178	6	the	the	DET
ajoaa-543	178	7	social	social	ADJ
ajoaa-543	178	8	groups	group	NOUN
ajoaa-543	178	9	are	be	AUX
ajoaa-543	178	10	formed	form	VERB
ajoaa-543	178	11	by	by	ADP
ajoaa-543	178	12	the	the	DET
ajoaa-543	178	13	rural	rural	ADJ
ajoaa-543	178	14	banks	bank	NOUN
ajoaa-543	178	15	for	for	ADP
ajoaa-543	178	16	credit	credit	NOUN
ajoaa-543	178	17	disbursements	disbursement	NOUN
ajoaa-543	178	18	and	and	CCONJ
ajoaa-543	178	19	savings	saving	NOUN
ajoaa-543	178	20	mobilizations	mobilization	NOUN
ajoaa-543	178	21	.	.	PUNCT
ajoaa-543	179	1	the	the	DET
ajoaa-543	179	2	rural	rural	ADJ
ajoaa-543	179	3	banks	bank	NOUN
ajoaa-543	179	4	rely	rely	VERB
ajoaa-543	179	5	on	on	ADP
ajoaa-543	179	6	these	these	DET
ajoaa-543	179	7	social	social	ADJ
ajoaa-543	179	8	groups	group	NOUN
ajoaa-543	179	9	for	for	ADP
ajoaa-543	179	10	the	the	DET
ajoaa-543	179	11	provision	provision	NOUN
ajoaa-543	179	12	of	of	ADP
ajoaa-543	179	13	social	social	ADJ
ajoaa-543	179	14	collateral	collateral	NOUN
ajoaa-543	179	15	provided	provide	VERB
ajoaa-543	179	16	by	by	ADP
ajoaa-543	179	17	poor	poor	ADJ
ajoaa-543	179	18	borrowers	borrower	NOUN
ajoaa-543	179	19	,	,	PUNCT
ajoaa-543	179	20	particularly	particularly	ADV
ajoaa-543	179	21	farmers	farmer	NOUN
ajoaa-543	179	22	for	for	ADP
ajoaa-543	179	23	the	the	DET
ajoaa-543	179	24	advancement	advancement	NOUN
ajoaa-543	179	25	of	of	ADP
ajoaa-543	179	26	credit	credit	NOUN
ajoaa-543	179	27	.	.	PUNCT
ajoaa-543	180	1	this	this	PRON
ajoaa-543	180	2	implies	imply	VERB
ajoaa-543	180	3	that	that	SCONJ
ajoaa-543	180	4	once	once	SCONJ
ajoaa-543	180	5	a	a	DET
ajoaa-543	180	6	person	person	NOUN
ajoaa-543	180	7	belongs	belong	VERB
ajoaa-543	180	8	to	to	ADP
ajoaa-543	180	9	a	a	DET
ajoaa-543	180	10	social	social	ADJ
ajoaa-543	180	11	group	group	NOUN
ajoaa-543	180	12	,	,	PUNCT
ajoaa-543	180	13	such	such	DET
ajoaa-543	180	14	a	a	DET
ajoaa-543	180	15	person	person	NOUN
ajoaa-543	180	16	is	be	AUX
ajoaa-543	180	17	not	not	PART
ajoaa-543	180	18	required	require	VERB
ajoaa-543	180	19	to	to	PART
ajoaa-543	180	20	provide	provide	VERB
ajoaa-543	180	21	collateral	collateral	NOUN
ajoaa-543	180	22	to	to	PART
ajoaa-543	180	23	be	be	AUX
ajoaa-543	180	24	able	able	ADJ
ajoaa-543	180	25	to	to	PART
ajoaa-543	180	26	access	access	VERB
ajoaa-543	180	27	credit	credit	NOUN
ajoaa-543	180	28	.	.	PUNCT
ajoaa-543	181	1	members	member	NOUN
ajoaa-543	181	2	of	of	ADP
ajoaa-543	181	3	the	the	DET
ajoaa-543	181	4	group	group	NOUN
ajoaa-543	181	5	jointly	jointly	ADV
ajoaa-543	181	6	guarantee	guarantee	VERB
ajoaa-543	181	7	for	for	ADP
ajoaa-543	181	8	each	each	DET
ajoaa-543	181	9	other	other	ADJ
ajoaa-543	181	10	.	.	PUNCT
ajoaa-543	182	1	as	as	ADP
ajoaa-543	182	2	such	such	ADJ
ajoaa-543	182	3	,	,	PUNCT
ajoaa-543	182	4	membership	membership	NOUN
ajoaa-543	182	5	of	of	ADP
ajoaa-543	182	6	social	social	ADJ
ajoaa-543	182	7	groups	group	NOUN
ajoaa-543	182	8	was	be	AUX
ajoaa-543	182	9	expected	expect	VERB
ajoaa-543	182	10	to	to	PART
ajoaa-543	182	11	be	be	AUX
ajoaa-543	182	12	a	a	DET
ajoaa-543	182	13	positive	positive	ADJ
ajoaa-543	182	14	determinant	determinant	NOUN
ajoaa-543	182	15	of	of	ADP
ajoaa-543	182	16	credit	credit	NOUN
ajoaa-543	182	17	demand	demand	NOUN
ajoaa-543	182	18	from	from	ADP
ajoaa-543	182	19	the	the	DET
ajoaa-543	182	20	rural	rural	ADJ
ajoaa-543	182	21	banks	bank	NOUN
ajoaa-543	182	22	by	by	ADP
ajoaa-543	182	23	farmers	farmer	NOUN
ajoaa-543	182	24	.	.	PUNCT
ajoaa-543	183	1	farmers	farmer	NOUN
ajoaa-543	183	2	who	who	PRON
ajoaa-543	183	3	did	do	AUX
ajoaa-543	183	4	not	not	PART
ajoaa-543	183	5	belong	belong	VERB
ajoaa-543	183	6	to	to	ADP
ajoaa-543	183	7	social	social	ADJ
ajoaa-543	183	8	groups	group	NOUN
ajoaa-543	183	9	were	be	AUX
ajoaa-543	183	10	assigned	assign	VERB
ajoaa-543	183	11	a	a	DET
ajoaa-543	183	12	dummy	dummy	ADJ
ajoaa-543	183	13	value	value	NOUN
ajoaa-543	183	14	of	of	ADP
ajoaa-543	183	15	zero	zero	NUM
ajoaa-543	183	16	(	(	PUNCT
ajoaa-543	183	17	0	0	NUM
ajoaa-543	183	18	)	)	PUNCT
ajoaa-543	183	19	and	and	CCONJ
ajoaa-543	183	20	those	those	PRON
ajoaa-543	183	21	who	who	PRON
ajoaa-543	183	22	belonged	belong	VERB
ajoaa-543	183	23	to	to	ADP
ajoaa-543	183	24	social	social	ADJ
ajoaa-543	183	25	groups	group	NOUN
ajoaa-543	183	26	were	be	AUX
ajoaa-543	183	27	assigned	assign	VERB
ajoaa-543	183	28	a	a	DET
ajoaa-543	183	29	dummy	dummy	ADJ
ajoaa-543	183	30	value	value	NOUN
ajoaa-543	183	31	of	of	ADP
ajoaa-543	183	32	one	one	NUM
ajoaa-543	183	33	(	(	PUNCT
ajoaa-543	183	34	1	1	NUM
ajoaa-543	183	35	)	)	PUNCT
ajoaa-543	183	36	.	.	PUNCT
ajoaa-543	184	1	it	it	PRON
ajoaa-543	184	2	was	be	AUX
ajoaa-543	184	3	used	use	VERB
ajoaa-543	184	4	for	for	ADP
ajoaa-543	184	5	only	only	ADV
ajoaa-543	184	6	the	the	DET
ajoaa-543	184	7	logit	logit	PROPN
ajoaa-543	184	8	model	model	NOUN
ajoaa-543	184	9	estimation	estimation	NOUN
ajoaa-543	184	10	.	.	PUNCT
ajoaa-543	185	1	distance	distance	NOUN
ajoaa-543	185	2	(	(	PUNCT
ajoaa-543	185	3	x13	x13	PROPN
ajoaa-543	185	4	)	)	PUNCT
ajoaa-543	185	5	was	be	AUX
ajoaa-543	185	6	expected	expect	VERB
ajoaa-543	185	7	to	to	PART
ajoaa-543	185	8	have	have	VERB
ajoaa-543	185	9	a	a	DET
ajoaa-543	185	10	negative	negative	ADJ
ajoaa-543	185	11	effect	effect	NOUN
ajoaa-543	185	12	on	on	ADP
ajoaa-543	185	13	both	both	CCONJ
ajoaa-543	185	14	the	the	DET
ajoaa-543	185	15	decision	decision	NOUN
ajoaa-543	185	16	to	to	PART
ajoaa-543	185	17	demand	demand	VERB
ajoaa-543	185	18	credit	credit	NOUN
ajoaa-543	185	19	and	and	CCONJ
ajoaa-543	185	20	the	the	DET
ajoaa-543	185	21	extent	extent	NOUN
ajoaa-543	185	22	of	of	ADP
ajoaa-543	185	23	supply	supply	NOUN
ajoaa-543	185	24	of	of	ADP
ajoaa-543	185	25	credit	credit	NOUN
ajoaa-543	185	26	by	by	ADP
ajoaa-543	185	27	the	the	DET
ajoaa-543	185	28	banks	bank	NOUN
ajoaa-543	185	29	.	.	PUNCT
ajoaa-543	186	1	this	this	PRON
ajoaa-543	186	2	implies	imply	VERB
ajoaa-543	186	3	that	that	SCONJ
ajoaa-543	186	4	those	those	PRON
ajoaa-543	186	5	who	who	PRON
ajoaa-543	186	6	are	be	AUX
ajoaa-543	186	7	far	far	ADV
ajoaa-543	186	8	away	away	ADV
ajoaa-543	186	9	from	from	ADP
ajoaa-543	186	10	the	the	DET
ajoaa-543	186	11	rural	rural	ADJ
ajoaa-543	186	12	banks	bank	NOUN
ajoaa-543	186	13	are	be	AUX
ajoaa-543	186	14	less	less	ADV
ajoaa-543	186	15	likely	likely	ADJ
ajoaa-543	186	16	to	to	PART
ajoaa-543	186	17	demand	demand	VERB
ajoaa-543	186	18	credit	credit	NOUN
ajoaa-543	186	19	from	from	ADP
ajoaa-543	186	20	them	they	PRON
ajoaa-543	186	21	and	and	CCONJ
ajoaa-543	186	22	the	the	DET
ajoaa-543	186	23	vice	vice	NOUN
ajoaa-543	186	24	versa	versa	ADV
ajoaa-543	186	25	.	.	PUNCT
ajoaa-543	187	1	those	those	PRON
ajoaa-543	187	2	who	who	PRON
ajoaa-543	187	3	live	live	VERB
ajoaa-543	187	4	far	far	ADV
ajoaa-543	187	5	away	away	ADV
ajoaa-543	187	6	and	and	CCONJ
ajoaa-543	187	7	decide	decide	VERB
ajoaa-543	187	8	to	to	PART
ajoaa-543	187	9	demand	demand	VERB
ajoaa-543	187	10	credit	credit	NOUN
ajoaa-543	187	11	are	be	AUX
ajoaa-543	187	12	most	most	ADV
ajoaa-543	187	13	likely	likely	ADJ
ajoaa-543	187	14	to	to	PART
ajoaa-543	187	15	have	have	VERB
ajoaa-543	187	16	lesser	less	ADJ
ajoaa-543	187	17	amounts	amount	NOUN
ajoaa-543	187	18	compared	compare	VERB
ajoaa-543	187	19	to	to	ADP
ajoaa-543	187	20	those	those	PRON
ajoaa-543	187	21	closer	close	ADJ
ajoaa-543	187	22	.	.	PUNCT
ajoaa-543	188	1	this	this	PRON
ajoaa-543	188	2	is	be	AUX
ajoaa-543	188	3	because	because	SCONJ
ajoaa-543	188	4	people	people	NOUN
ajoaa-543	188	5	who	who	PRON
ajoaa-543	188	6	live	live	VERB
ajoaa-543	188	7	far	far	ADV
ajoaa-543	188	8	away	away	ADV
ajoaa-543	188	9	may	may	AUX
ajoaa-543	188	10	have	have	VERB
ajoaa-543	188	11	to	to	PART
ajoaa-543	188	12	board	board	VERB
ajoaa-543	188	13	cars	car	NOUN
ajoaa-543	188	14	to	to	ADP
ajoaa-543	188	15	the	the	DET
ajoaa-543	188	16	rural	rural	ADJ
ajoaa-543	188	17	banks	bank	NOUN
ajoaa-543	188	18	at	at	ADP
ajoaa-543	188	19	a	a	DET
ajoaa-543	188	20	cost	cost	NOUN
ajoaa-543	188	21	which	which	PRON
ajoaa-543	188	22	eventually	eventually	ADV
ajoaa-543	188	23	affects	affect	VERB
ajoaa-543	188	24	the	the	DET
ajoaa-543	188	25	amount	amount	NOUN
ajoaa-543	188	26	they	they	PRON
ajoaa-543	188	27	actually	actually	ADV
ajoaa-543	188	28	get	get	VERB
ajoaa-543	188	29	for	for	ADP
ajoaa-543	188	30	their	their	PRON
ajoaa-543	188	31	farming	farming	NOUN
ajoaa-543	188	32	activities	activity	NOUN
ajoaa-543	188	33	since	since	SCONJ
ajoaa-543	188	34	part	part	NOUN
ajoaa-543	188	35	of	of	ADP
ajoaa-543	188	36	it	it	PRON
ajoaa-543	188	37	is	be	AUX
ajoaa-543	188	38	used	use	VERB
ajoaa-543	188	39	to	to	PART
ajoaa-543	188	40	pay	pay	VERB
ajoaa-543	188	41	for	for	ADP
ajoaa-543	188	42	transport	transport	NOUN
ajoaa-543	188	43	.	.	PUNCT
ajoaa-543	189	1	it	it	PRON
ajoaa-543	189	2	was	be	AUX
ajoaa-543	189	3	measured	measure	VERB
ajoaa-543	189	4	in	in	ADP
ajoaa-543	189	5	kilometres	kilometre	NOUN
ajoaa-543	189	6	for	for	ADP
ajoaa-543	189	7	both	both	CCONJ
ajoaa-543	189	8	the	the	DET
ajoaa-543	189	9	logit	logit	PROPN
ajoaa-543	189	10	and	and	CCONJ
ajoaa-543	189	11	tobit	tobit	NOUN
ajoaa-543	189	12	estimations	estimation	NOUN
ajoaa-543	189	13	.	.	PUNCT
ajoaa-543	190	1	the	the	DET
ajoaa-543	190	2	results	result	NOUN
ajoaa-543	190	3	and	and	CCONJ
ajoaa-543	190	4	discussion	discussion	NOUN
ajoaa-543	190	5	determinants	determinant	NOUN
ajoaa-543	190	6	of	of	ADP
ajoaa-543	190	7	credit	credit	NOUN
ajoaa-543	190	8	demand	demand	NOUN
ajoaa-543	190	9	by	by	ADP
ajoaa-543	190	10	farmers	farmer	NOUN
ajoaa-543	190	11	the	the	DET
ajoaa-543	190	12	estimated	estimate	VERB
ajoaa-543	190	13	determinants	determinant	NOUN
ajoaa-543	190	14	of	of	ADP
ajoaa-543	190	15	credit	credit	NOUN
ajoaa-543	190	16	demand	demand	NOUN
ajoaa-543	190	17	by	by	ADP
ajoaa-543	190	18	farmers	farmer	NOUN
ajoaa-543	190	19	from	from	ADP
ajoaa-543	190	20	rural	rural	ADJ
ajoaa-543	190	21	banks	bank	NOUN
ajoaa-543	190	22	using	use	VERB
ajoaa-543	190	23	the	the	DET
ajoaa-543	190	24	logit	logit	PROPN
ajoaa-543	190	25	model	model	NOUN
ajoaa-543	190	26	included	include	VERB
ajoaa-543	190	27	the	the	DET
ajoaa-543	190	28	age	age	NOUN
ajoaa-543	190	29	of	of	ADP
ajoaa-543	190	30	farmers	farmer	NOUN
ajoaa-543	190	31	,	,	PUNCT
ajoaa-543	190	32	literacy	literacy	NOUN
ajoaa-543	190	33	,	,	PUNCT
ajoaa-543	190	34	type	type	NOUN
ajoaa-543	190	35	of	of	ADP
ajoaa-543	190	36	crops	crop	NOUN
ajoaa-543	190	37	grown	grow	VERB
ajoaa-543	190	38	(	(	PUNCT
ajoaa-543	190	39	i.e.	i.e.	X
ajoaa-543	190	40	cash	cash	NOUN
ajoaa-543	190	41	or	or	CCONJ
ajoaa-543	190	42	food	food	NOUN
ajoaa-543	190	43	crops	crop	NOUN
ajoaa-543	190	44	)	)	PUNCT
ajoaa-543	190	45	,	,	PUNCT
ajoaa-543	190	46	the	the	DET
ajoaa-543	190	47	application	application	NOUN
ajoaa-543	190	48	procedures	procedure	NOUN
ajoaa-543	190	49	,	,	PUNCT
ajoaa-543	190	50	savings	saving	NOUN
ajoaa-543	190	51	habit	habit	NOUN
ajoaa-543	190	52	,	,	PUNCT
ajoaa-543	190	53	farm	farm	NOUN
ajoaa-543	190	54	size	size	NOUN
ajoaa-543	190	55	,	,	PUNCT
ajoaa-543	190	56	perception	perception	NOUN
ajoaa-543	190	57	of	of	ADP
ajoaa-543	190	58	interest	interest	NOUN
ajoaa-543	190	59	charged	charge	VERB
ajoaa-543	190	60	,	,	PUNCT
ajoaa-543	190	61	gender	gender	NOUN
ajoaa-543	190	62	,	,	PUNCT
ajoaa-543	190	63	access	access	NOUN
ajoaa-543	190	64	to	to	ADP
ajoaa-543	190	65	farm	farm	NOUN
ajoaa-543	190	66	land	land	NOUN
ajoaa-543	190	67	,	,	PUNCT
ajoaa-543	190	68	political	political	ADJ
ajoaa-543	190	69	affiliation	affiliation	NOUN
ajoaa-543	190	70	,	,	PUNCT
ajoaa-543	190	71	membership	membership	NOUN
ajoaa-543	190	72	of	of	ADP
ajoaa-543	190	73	solidarity	solidarity	NOUN
ajoaa-543	190	74	groups	group	NOUN
ajoaa-543	190	75	,	,	PUNCT
ajoaa-543	190	76	and	and	CCONJ
ajoaa-543	190	77	distance	distance	NOUN
ajoaa-543	190	78	from	from	ADP
ajoaa-543	190	79	residence	residence	NOUN
ajoaa-543	190	80	of	of	ADP
ajoaa-543	190	81	farmers	farmer	NOUN
ajoaa-543	190	82	to	to	ADP
ajoaa-543	190	83	the	the	DET
ajoaa-543	190	84	rural	rural	ADJ
ajoaa-543	190	85	banks	bank	NOUN
ajoaa-543	190	86	.	.	PUNCT
ajoaa-543	191	1	the	the	DET
ajoaa-543	191	2	estimated	estimate	VERB
ajoaa-543	191	3	logit	logit	PROPN
ajoaa-543	191	4	regression	regression	NOUN
ajoaa-543	191	5	model	model	NOUN
ajoaa-543	191	6	(	(	PUNCT
ajoaa-543	191	7	table	table	NOUN
ajoaa-543	191	8	1	1	NUM
ajoaa-543	191	9	)	)	PUNCT
ajoaa-543	191	10	gave	give	VERB
ajoaa-543	191	11	an	an	DET
ajoaa-543	191	12	adjusted	adjusted	ADJ
ajoaa-543	191	13	pseudo	pseudo	NOUN
ajoaa-543	191	14	r	r	NOUN
ajoaa-543	191	15	–	–	PUNCT
ajoaa-543	191	16	squared	square	VERB
ajoaa-543	191	17	of	of	ADP
ajoaa-543	191	18	about	about	ADV
ajoaa-543	191	19	0.73	0.73	NUM
ajoaa-543	191	20	which	which	PRON
ajoaa-543	191	21	implies	imply	VERB
ajoaa-543	191	22	that	that	SCONJ
ajoaa-543	191	23	all	all	DET
ajoaa-543	191	24	the	the	DET
ajoaa-543	191	25	explanatory	explanatory	ADJ
ajoaa-543	191	26	variables	variable	NOUN
ajoaa-543	191	27	included	include	VERB
ajoaa-543	191	28	in	in	ADP
ajoaa-543	191	29	the	the	DET
ajoaa-543	191	30	model	model	NOUN
ajoaa-543	191	31	were	be	AUX
ajoaa-543	191	32	able	able	ADJ
ajoaa-543	191	33	to	to	PART
ajoaa-543	191	34	explain	explain	VERB
ajoaa-543	191	35	about	about	ADP
ajoaa-543	191	36	73	73	NUM
ajoaa-543	191	37	per	per	ADP
ajoaa-543	191	38	cent	cent	NOUN
ajoaa-543	191	39	of	of	ADP
ajoaa-543	191	40	the	the	DET
ajoaa-543	191	41	probability	probability	NOUN
ajoaa-543	191	42	of	of	ADP
ajoaa-543	191	43	the	the	DET
ajoaa-543	191	44	decision	decision	NOUN
ajoaa-543	191	45	of	of	ADP
ajoaa-543	191	46	farmers	farmer	NOUN
ajoaa-543	191	47	to	to	PART
ajoaa-543	191	48	demand	demand	VERB
ajoaa-543	191	49	credit	credit	NOUN
ajoaa-543	191	50	from	from	ADP
ajoaa-543	191	51	the	the	DET
ajoaa-543	191	52	rural	rural	ADJ
ajoaa-543	191	53	banks	bank	NOUN
ajoaa-543	191	54	.	.	PUNCT
ajoaa-543	192	1	the	the	DET
ajoaa-543	192	2	log	log	NOUN
ajoaa-543	192	3	likelihood	likelihood	NOUN
ajoaa-543	192	4	ratio	ratio	NOUN
ajoaa-543	192	5	(	(	PUNCT
ajoaa-543	192	6	lr	lr	PROPN
ajoaa-543	192	7	)	)	PUNCT
ajoaa-543	192	8	statistic	statistic	NOUN
ajoaa-543	192	9	is	be	AUX
ajoaa-543	192	10	significant	significant	ADJ
ajoaa-543	192	11	at	at	ADP
ajoaa-543	192	12	1	1	NUM
ajoaa-543	192	13	percent	percent	NOUN
ajoaa-543	192	14	,	,	PUNCT
ajoaa-543	192	15	meaning	mean	VERB
ajoaa-543	192	16	that	that	SCONJ
ajoaa-543	192	17	the	the	DET
ajoaa-543	192	18	explanatory	explanatory	ADJ
ajoaa-543	192	19	variables	variable	NOUN
ajoaa-543	192	20	included	include	VERB
ajoaa-543	192	21	in	in	ADP
ajoaa-543	192	22	the	the	DET
ajoaa-543	192	23	model	model	NOUN
ajoaa-543	192	24	jointly	jointly	ADV
ajoaa-543	192	25	explain	explain	VERB
ajoaa-543	192	26	the	the	DET
ajoaa-543	192	27	probability	probability	NOUN
ajoaa-543	192	28	of	of	ADP
ajoaa-543	192	29	farmers	farmer	NOUN
ajoaa-543	192	30	deciding	decide	VERB
ajoaa-543	192	31	to	to	PART
ajoaa-543	192	32	demand	demand	VERB
ajoaa-543	192	33	credit	credit	NOUN
ajoaa-543	192	34	from	from	ADP
ajoaa-543	192	35	the	the	DET
ajoaa-543	192	36	rural	rural	ADJ
ajoaa-543	192	37	banks	bank	NOUN
ajoaa-543	192	38	.	.	PUNCT
ajoaa-543	193	1	given	give	VERB
ajoaa-543	193	2	these	these	DET
ajoaa-543	193	3	two	two	NUM
ajoaa-543	193	4	goodness	goodness	NOUN
ajoaa-543	193	5	of	of	ADP
ajoaa-543	193	6	fit	fit	ADJ
ajoaa-543	193	7	measures	measure	NOUN
ajoaa-543	193	8	,	,	PUNCT
ajoaa-543	193	9	it	it	PRON
ajoaa-543	193	10	is	be	AUX
ajoaa-543	193	11	concluded	conclude	VERB
ajoaa-543	193	12	that	that	SCONJ
ajoaa-543	193	13	the	the	DET
ajoaa-543	193	14	logit	logit	PROPN
ajoaa-543	193	15	model	model	NOUN
ajoaa-543	193	16	used	use	VERB
ajoaa-543	193	17	has	have	VERB
ajoaa-543	193	18	integrity	integrity	NOUN
ajoaa-543	193	19	and	and	CCONJ
ajoaa-543	193	20	is	be	AUX
ajoaa-543	193	21	appropriate	appropriate	ADJ
ajoaa-543	193	22	.	.	PUNCT
ajoaa-543	194	1	the	the	DET
ajoaa-543	194	2	validity	validity	NOUN
ajoaa-543	194	3	of	of	ADP
ajoaa-543	194	4	the	the	DET
ajoaa-543	194	5	logit	logit	NOUN
ajoaa-543	194	6	model	model	NOUN
ajoaa-543	194	7	in	in	ADP
ajoaa-543	194	8	estimating	estimate	VERB
ajoaa-543	194	9	the	the	DET
ajoaa-543	194	10	determinants	determinant	NOUN
ajoaa-543	194	11	of	of	ADP
ajoaa-543	194	12	farmers‟	farmers‟	NOUN
ajoaa-543	194	13	credit	credit	NOUN
ajoaa-543	194	14	demand	demand	NOUN
ajoaa-543	194	15	from	from	ADP
ajoaa-543	194	16	the	the	DET
ajoaa-543	194	17	rural	rural	ADJ
ajoaa-543	194	18	banks	bank	NOUN
ajoaa-543	194	19	is	be	AUX
ajoaa-543	194	20	consistent	consistent	ADJ
ajoaa-543	194	21	with	with	ADP
ajoaa-543	194	22	related	related	ADJ
ajoaa-543	194	23	studies	study	NOUN
ajoaa-543	194	24	by	by	ADP
ajoaa-543	194	25	akudugu	akudugu	ADP
ajoaa-543	194	26	et	et	PROPN
ajoaa-543	194	27	al	al	PROPN
ajoaa-543	194	28	.	.	PROPN
ajoaa-543	195	1	(	(	PUNCT
ajoaa-543	195	2	2009	2009	NUM
ajoaa-543	195	3	)	)	PUNCT
ajoaa-543	195	4	;	;	PUNCT
ajoaa-543	195	5	akram	akram	PROPN
ajoaa-543	195	6	et	et	PROPN
ajoaa-543	195	7	al	al	PROPN
ajoaa-543	195	8	.	.	PROPN
ajoaa-543	195	9	(	(	PUNCT
ajoaa-543	195	10	2008	2008	NUM
ajoaa-543	195	11	)	)	PUNCT
ajoaa-543	195	12	;	;	PUNCT
ajoaa-543	195	13	asian	asian	ADJ
ajoaa-543	195	14	journal	journal	NOUN
ajoaa-543	195	15	of	of	ADP
ajoaa-543	195	16	agriculture	agriculture	NOUN
ajoaa-543	195	17	and	and	CCONJ
ajoaa-543	195	18	rural	rural	ADJ
ajoaa-543	195	19	development	development	NOUN
ajoaa-543	195	20	,	,	PUNCT
ajoaa-543	195	21	2(2	2(2	NUM
ajoaa-543	195	22	)	)	PUNCT
ajoaa-543	195	23	,	,	PUNCT
ajoaa-543	196	1	pp	pp	ADP
ajoaa-543	196	2	.	.	PUNCT
ajoaa-543	197	1	189	189	NUM
ajoaa-543	197	2	-	-	SYM
ajoaa-543	197	3	200	200	NUM
ajoaa-543	197	4	195	195	NUM
ajoaa-543	197	5	ayamga	ayamga	NOUN
ajoaa-543	197	6	et	et	PROPN
ajoaa-543	197	7	al	al	PROPN
ajoaa-543	197	8	.	.	PROPN
ajoaa-543	197	9	(	(	PUNCT
ajoaa-543	197	10	2006	2006	NUM
ajoaa-543	197	11	)	)	PUNCT
ajoaa-543	197	12	;	;	PUNCT
ajoaa-543	197	13	benerjee	benerjee	NOUN
ajoaa-543	197	14	(	(	PUNCT
ajoaa-543	197	15	2001	2001	NUM
ajoaa-543	197	16	)	)	PUNCT
ajoaa-543	197	17	;	;	PUNCT
ajoaa-543	197	18	and	and	CCONJ
ajoaa-543	197	19	malik	malik	PROPN
ajoaa-543	197	20	(	(	PUNCT
ajoaa-543	197	21	1999	1999	NUM
ajoaa-543	197	22	)	)	PUNCT
ajoaa-543	197	23	,	,	PUNCT
ajoaa-543	197	24	who	who	PRON
ajoaa-543	197	25	employed	employ	VERB
ajoaa-543	197	26	it	it	PRON
ajoaa-543	197	27	in	in	ADP
ajoaa-543	197	28	similar	similar	ADJ
ajoaa-543	197	29	empirical	empirical	ADJ
ajoaa-543	197	30	studies	study	NOUN
ajoaa-543	197	31	.	.	PUNCT
ajoaa-543	198	1	the	the	DET
ajoaa-543	198	2	age	age	NOUN
ajoaa-543	198	3	of	of	ADP
ajoaa-543	198	4	respondents	respondent	NOUN
ajoaa-543	198	5	met	meet	VERB
ajoaa-543	198	6	the	the	DET
ajoaa-543	198	7	apriori	apriori	ADJ
ajoaa-543	198	8	expectation	expectation	NOUN
ajoaa-543	198	9	of	of	ADP
ajoaa-543	198	10	quadratic	quadratic	ADJ
ajoaa-543	198	11	relationship	relationship	NOUN
ajoaa-543	198	12	with	with	ADP
ajoaa-543	198	13	the	the	DET
ajoaa-543	198	14	probability	probability	NOUN
ajoaa-543	198	15	of	of	ADP
ajoaa-543	198	16	farmers	farmer	NOUN
ajoaa-543	198	17	demanding	demand	VERB
ajoaa-543	198	18	credit	credit	NOUN
ajoaa-543	198	19	from	from	ADP
ajoaa-543	198	20	the	the	DET
ajoaa-543	198	21	rural	rural	ADJ
ajoaa-543	198	22	banks	bank	NOUN
ajoaa-543	198	23	.	.	PUNCT
ajoaa-543	199	1	the	the	DET
ajoaa-543	199	2	findings	finding	NOUN
ajoaa-543	199	3	revealed	reveal	VERB
ajoaa-543	199	4	that	that	SCONJ
ajoaa-543	199	5	younger	young	ADJ
ajoaa-543	199	6	farmers	farmer	NOUN
ajoaa-543	199	7	are	be	AUX
ajoaa-543	199	8	less	less	ADV
ajoaa-543	199	9	likely	likely	ADJ
ajoaa-543	199	10	to	to	PART
ajoaa-543	199	11	demand	demand	VERB
ajoaa-543	199	12	credit	credit	NOUN
ajoaa-543	199	13	from	from	ADP
ajoaa-543	199	14	the	the	DET
ajoaa-543	199	15	rural	rural	ADJ
ajoaa-543	199	16	banks	bank	NOUN
ajoaa-543	199	17	than	than	ADP
ajoaa-543	199	18	elderly	elderly	ADJ
ajoaa-543	199	19	farmers	farmer	NOUN
ajoaa-543	199	20	.	.	PUNCT
ajoaa-543	200	1	this	this	PRON
ajoaa-543	200	2	is	be	AUX
ajoaa-543	200	3	consistent	consistent	ADJ
ajoaa-543	200	4	with	with	ADP
ajoaa-543	200	5	the	the	DET
ajoaa-543	200	6	findings	finding	NOUN
ajoaa-543	200	7	of	of	ADP
ajoaa-543	200	8	akudugu	akudugu	ADP
ajoaa-543	200	9	et	et	PROPN
ajoaa-543	200	10	al	al	PROPN
ajoaa-543	200	11	.	.	PROPN
ajoaa-543	201	1	(	(	PUNCT
ajoaa-543	201	2	2009a	2009a	NUM
ajoaa-543	201	3	)	)	PUNCT
ajoaa-543	201	4	;	;	PUNCT
ajoaa-543	201	5	akram	akram	PROPN
ajoaa-543	201	6	et	et	PROPN
ajoaa-543	201	7	al	al	PROPN
ajoaa-543	201	8	.	.	PROPN
ajoaa-543	202	1	(	(	PUNCT
ajoaa-543	202	2	2008	2008	NUM
ajoaa-543	202	3	)	)	PUNCT
ajoaa-543	202	4	;	;	PUNCT
ajoaa-543	203	1	benito	benito	PROPN
ajoaa-543	203	2	and	and	CCONJ
ajoaa-543	203	3	mumtaz	mumtaz	PROPN
ajoaa-543	203	4	(	(	PUNCT
ajoaa-543	203	5	2006	2006	NUM
ajoaa-543	203	6	)	)	PUNCT
ajoaa-543	203	7	;	;	PUNCT
ajoaa-543	203	8	thaicharoen	thaicharoen	NOUN
ajoaa-543	203	9	et	et	PROPN
ajoaa-543	203	10	al	al	PROPN
ajoaa-543	203	11	.	.	PUNCT
ajoaa-543	203	12	(	(	PUNCT
ajoaa-543	203	13	2004	2004	NUM
ajoaa-543	203	14	)	)	PUNCT
ajoaa-543	203	15	;	;	PUNCT
ajoaa-543	203	16	and	and	CCONJ
ajoaa-543	203	17	crook	crook	NOUN
ajoaa-543	203	18	(	(	PUNCT
ajoaa-543	203	19	2001	2001	NUM
ajoaa-543	203	20	)	)	PUNCT
ajoaa-543	203	21	that	that	SCONJ
ajoaa-543	203	22	age	age	NOUN
ajoaa-543	203	23	is	be	AUX
ajoaa-543	203	24	a	a	DET
ajoaa-543	203	25	significant	significant	ADJ
ajoaa-543	203	26	determinant	determinant	NOUN
ajoaa-543	203	27	of	of	ADP
ajoaa-543	203	28	credit	credit	NOUN
ajoaa-543	203	29	delivery	delivery	NOUN
ajoaa-543	203	30	and	and	CCONJ
ajoaa-543	203	31	access	access	NOUN
ajoaa-543	203	32	.	.	PUNCT
ajoaa-543	204	1	literacy	literacy	NOUN
ajoaa-543	204	2	conformed	conform	VERB
ajoaa-543	204	3	to	to	ADP
ajoaa-543	204	4	the	the	DET
ajoaa-543	204	5	apriori	apriori	ADJ
ajoaa-543	204	6	expectation	expectation	NOUN
ajoaa-543	204	7	of	of	ADP
ajoaa-543	204	8	positive	positive	ADJ
ajoaa-543	204	9	influence	influence	NOUN
ajoaa-543	204	10	on	on	ADP
ajoaa-543	204	11	the	the	DET
ajoaa-543	204	12	demand	demand	NOUN
ajoaa-543	204	13	for	for	ADP
ajoaa-543	204	14	credit	credit	NOUN
ajoaa-543	204	15	from	from	ADP
ajoaa-543	204	16	rural	rural	ADJ
ajoaa-543	204	17	banks	bank	NOUN
ajoaa-543	204	18	by	by	ADP
ajoaa-543	204	19	farmers	farmer	NOUN
ajoaa-543	204	20	.	.	PUNCT
ajoaa-543	205	1	it	it	PRON
ajoaa-543	205	2	was	be	AUX
ajoaa-543	205	3	found	find	VERB
ajoaa-543	205	4	to	to	PART
ajoaa-543	205	5	be	be	AUX
ajoaa-543	205	6	significant	significant	ADJ
ajoaa-543	205	7	at	at	ADP
ajoaa-543	205	8	1	1	NUM
ajoaa-543	205	9	per	per	ADP
ajoaa-543	205	10	cent	cent	NOUN
ajoaa-543	205	11	.	.	PUNCT
ajoaa-543	206	1	this	this	PRON
ajoaa-543	206	2	implies	imply	VERB
ajoaa-543	206	3	that	that	SCONJ
ajoaa-543	206	4	farmers	farmer	NOUN
ajoaa-543	206	5	who	who	PRON
ajoaa-543	206	6	had	have	VERB
ajoaa-543	206	7	at	at	ADP
ajoaa-543	206	8	least	least	ADJ
ajoaa-543	206	9	,	,	PUNCT
ajoaa-543	206	10	nine	nine	NUM
ajoaa-543	206	11	years	year	NOUN
ajoaa-543	206	12	of	of	ADP
ajoaa-543	206	13	formal	formal	ADJ
ajoaa-543	206	14	schooling	schooling	NOUN
ajoaa-543	206	15	are	be	AUX
ajoaa-543	206	16	more	more	ADV
ajoaa-543	206	17	likely	likely	ADJ
ajoaa-543	206	18	to	to	PART
ajoaa-543	206	19	demand	demand	VERB
ajoaa-543	206	20	credit	credit	NOUN
ajoaa-543	206	21	from	from	ADP
ajoaa-543	206	22	the	the	DET
ajoaa-543	206	23	rural	rural	ADJ
ajoaa-543	206	24	banks	bank	NOUN
ajoaa-543	206	25	than	than	ADP
ajoaa-543	206	26	those	those	PRON
ajoaa-543	206	27	who	who	PRON
ajoaa-543	206	28	had	have	VERB
ajoaa-543	206	29	less	less	ADJ
ajoaa-543	206	30	number	number	NOUN
ajoaa-543	206	31	of	of	ADP
ajoaa-543	206	32	years	year	NOUN
ajoaa-543	206	33	of	of	ADP
ajoaa-543	206	34	formal	formal	ADJ
ajoaa-543	206	35	schooling	schooling	NOUN
ajoaa-543	206	36	.	.	PUNCT
ajoaa-543	207	1	this	this	DET
ajoaa-543	207	2	finding	finding	NOUN
ajoaa-543	207	3	regarding	regard	VERB
ajoaa-543	207	4	formal	formal	ADJ
ajoaa-543	207	5	schooling	schooling	NOUN
ajoaa-543	207	6	is	be	AUX
ajoaa-543	207	7	consistent	consistent	ADJ
ajoaa-543	207	8	with	with	ADP
ajoaa-543	207	9	the	the	DET
ajoaa-543	207	10	findings	finding	NOUN
ajoaa-543	207	11	of	of	ADP
ajoaa-543	207	12	ayamga	ayamga	PROPN
ajoaa-543	207	13	et	et	PROPN
ajoaa-543	207	14	al	al	PROPN
ajoaa-543	207	15	.	.	PROPN
ajoaa-543	208	1	(	(	PUNCT
ajoaa-543	208	2	2006	2006	NUM
ajoaa-543	208	3	)	)	PUNCT
ajoaa-543	209	1	;	;	PUNCT
ajoaa-543	209	2	thaicharoen	thaicharoen	NOUN
ajoaa-543	209	3	et	et	PROPN
ajoaa-543	209	4	al	al	PROPN
ajoaa-543	209	5	.	.	PUNCT
ajoaa-543	209	6	(	(	PUNCT
ajoaa-543	209	7	2004	2004	NUM
ajoaa-543	209	8	)	)	PUNCT
ajoaa-543	209	9	;	;	PUNCT
ajoaa-543	209	10	and	and	CCONJ
ajoaa-543	209	11	arvai	arvai	VERB
ajoaa-543	209	12	and	and	CCONJ
ajoaa-543	209	13	toth	toth	PROPN
ajoaa-543	209	14	(	(	PUNCT
ajoaa-543	209	15	2001	2001	NUM
ajoaa-543	209	16	)	)	PUNCT
ajoaa-543	209	17	that	that	SCONJ
ajoaa-543	209	18	formal	formal	ADJ
ajoaa-543	209	19	schooling	schooling	NOUN
ajoaa-543	209	20	significantly	significantly	ADV
ajoaa-543	209	21	influences	influence	VERB
ajoaa-543	209	22	the	the	DET
ajoaa-543	209	23	decision	decision	NOUN
ajoaa-543	209	24	to	to	PART
ajoaa-543	209	25	participate	participate	VERB
ajoaa-543	209	26	in	in	ADP
ajoaa-543	209	27	formal	formal	ADJ
ajoaa-543	209	28	credit	credit	NOUN
ajoaa-543	209	29	schemes	scheme	NOUN
ajoaa-543	209	30	.	.	PUNCT
ajoaa-543	210	1	this	this	PRON
ajoaa-543	210	2	is	be	AUX
ajoaa-543	210	3	attributed	attribute	VERB
ajoaa-543	210	4	to	to	ADP
ajoaa-543	210	5	the	the	DET
ajoaa-543	210	6	fact	fact	NOUN
ajoaa-543	210	7	that	that	SCONJ
ajoaa-543	210	8	persons	person	NOUN
ajoaa-543	210	9	who	who	PRON
ajoaa-543	210	10	are	be	AUX
ajoaa-543	210	11	literate	literate	ADJ
ajoaa-543	210	12	are	be	AUX
ajoaa-543	210	13	able	able	ADJ
ajoaa-543	210	14	to	to	PART
ajoaa-543	210	15	read	read	VERB
ajoaa-543	210	16	and	and	CCONJ
ajoaa-543	210	17	make	make	VERB
ajoaa-543	210	18	better	well	ADJ
ajoaa-543	210	19	applications	application	NOUN
ajoaa-543	210	20	to	to	ADP
ajoaa-543	210	21	the	the	DET
ajoaa-543	210	22	banks	bank	NOUN
ajoaa-543	210	23	than	than	ADP
ajoaa-543	210	24	those	those	PRON
ajoaa-543	210	25	who	who	PRON
ajoaa-543	210	26	are	be	AUX
ajoaa-543	210	27	illiterate	illiterate	ADJ
ajoaa-543	210	28	.	.	PUNCT
ajoaa-543	211	1	the	the	DET
ajoaa-543	211	2	cultivation	cultivation	NOUN
ajoaa-543	211	3	of	of	ADP
ajoaa-543	211	4	cash	cash	NOUN
ajoaa-543	211	5	crops	crop	NOUN
ajoaa-543	211	6	also	also	ADV
ajoaa-543	211	7	met	meet	VERB
ajoaa-543	211	8	the	the	DET
ajoaa-543	211	9	apriori	apriori	ADJ
ajoaa-543	211	10	expectation	expectation	NOUN
ajoaa-543	211	11	of	of	ADP
ajoaa-543	211	12	positive	positive	ADJ
ajoaa-543	211	13	relationship	relationship	NOUN
ajoaa-543	211	14	and	and	CCONJ
ajoaa-543	211	15	was	be	AUX
ajoaa-543	211	16	found	find	VERB
ajoaa-543	211	17	to	to	PART
ajoaa-543	211	18	be	be	AUX
ajoaa-543	211	19	significant	significant	ADJ
ajoaa-543	211	20	at	at	ADP
ajoaa-543	211	21	the	the	DET
ajoaa-543	211	22	10	10	NUM
ajoaa-543	211	23	per	per	NOUN
ajoaa-543	211	24	cent	cent	NOUN
ajoaa-543	211	25	level	level	NOUN
ajoaa-543	211	26	.	.	PUNCT
ajoaa-543	212	1	this	this	PRON
ajoaa-543	212	2	means	mean	VERB
ajoaa-543	212	3	that	that	SCONJ
ajoaa-543	212	4	farmers	farmer	NOUN
ajoaa-543	212	5	who	who	PRON
ajoaa-543	212	6	cultivated	cultivate	VERB
ajoaa-543	212	7	cash	cash	NOUN
ajoaa-543	212	8	crops	crop	NOUN
ajoaa-543	212	9	such	such	ADJ
ajoaa-543	212	10	as	as	ADP
ajoaa-543	212	11	rice	rice	NOUN
ajoaa-543	212	12	,	,	PUNCT
ajoaa-543	212	13	groundnut	groundnut	NOUN
ajoaa-543	212	14	,	,	PUNCT
ajoaa-543	212	15	maize	maize	NOUN
ajoaa-543	212	16	and	and	CCONJ
ajoaa-543	212	17	soybeans	soybean	NOUN
ajoaa-543	212	18	are	be	AUX
ajoaa-543	212	19	more	more	ADV
ajoaa-543	212	20	likely	likely	ADJ
ajoaa-543	212	21	to	to	PART
ajoaa-543	212	22	demand	demand	VERB
ajoaa-543	212	23	credit	credit	NOUN
ajoaa-543	212	24	from	from	ADP
ajoaa-543	212	25	the	the	DET
ajoaa-543	212	26	rural	rural	ADJ
ajoaa-543	212	27	banks	bank	NOUN
ajoaa-543	212	28	for	for	ADP
ajoaa-543	212	29	their	their	PRON
ajoaa-543	212	30	production	production	NOUN
ajoaa-543	212	31	activities	activity	NOUN
ajoaa-543	212	32	than	than	ADP
ajoaa-543	212	33	those	those	PRON
ajoaa-543	212	34	who	who	PRON
ajoaa-543	212	35	cultivated	cultivate	VERB
ajoaa-543	212	36	staple	staple	ADJ
ajoaa-543	212	37	food	food	NOUN
ajoaa-543	212	38	crops	crop	NOUN
ajoaa-543	212	39	for	for	ADP
ajoaa-543	212	40	household	household	NOUN
ajoaa-543	212	41	consumption	consumption	NOUN
ajoaa-543	212	42	.	.	PUNCT
ajoaa-543	213	1	this	this	PRON
ajoaa-543	213	2	is	be	AUX
ajoaa-543	213	3	because	because	SCONJ
ajoaa-543	213	4	those	those	PRON
ajoaa-543	213	5	who	who	PRON
ajoaa-543	213	6	are	be	AUX
ajoaa-543	213	7	into	into	ADP
ajoaa-543	213	8	cash	cash	NOUN
ajoaa-543	213	9	crop	crop	NOUN
ajoaa-543	213	10	production	production	NOUN
ajoaa-543	213	11	are	be	AUX
ajoaa-543	213	12	into	into	ADP
ajoaa-543	213	13	farming	farming	NOUN
ajoaa-543	213	14	as	as	ADP
ajoaa-543	213	15	a	a	DET
ajoaa-543	213	16	profit	profit	NOUN
ajoaa-543	213	17	making	make	VERB
ajoaa-543	213	18	venture	venture	NOUN
ajoaa-543	213	19	and	and	CCONJ
ajoaa-543	213	20	are	be	AUX
ajoaa-543	213	21	therefore	therefore	ADV
ajoaa-543	213	22	more	more	ADV
ajoaa-543	213	23	inclined	inclined	ADJ
ajoaa-543	213	24	to	to	PART
ajoaa-543	213	25	expand	expand	VERB
ajoaa-543	213	26	their	their	PRON
ajoaa-543	213	27	production	production	NOUN
ajoaa-543	213	28	activities	activity	NOUN
ajoaa-543	213	29	in	in	ADP
ajoaa-543	213	30	order	order	NOUN
ajoaa-543	213	31	to	to	PART
ajoaa-543	213	32	take	take	VERB
ajoaa-543	213	33	advantage	advantage	NOUN
ajoaa-543	213	34	of	of	ADP
ajoaa-543	213	35	economies	economy	NOUN
ajoaa-543	213	36	of	of	ADP
ajoaa-543	213	37	scale	scale	NOUN
ajoaa-543	213	38	than	than	ADP
ajoaa-543	213	39	those	those	PRON
ajoaa-543	213	40	who	who	PRON
ajoaa-543	213	41	are	be	AUX
ajoaa-543	213	42	not	not	PART
ajoaa-543	213	43	into	into	ADP
ajoaa-543	213	44	cash	cash	NOUN
ajoaa-543	213	45	crop	crop	NOUN
ajoaa-543	213	46	production	production	NOUN
ajoaa-543	213	47	.	.	PUNCT
ajoaa-543	214	1	the	the	DET
ajoaa-543	214	2	perception	perception	NOUN
ajoaa-543	214	3	of	of	ADP
ajoaa-543	214	4	farmers	farmer	NOUN
ajoaa-543	214	5	regarding	regard	VERB
ajoaa-543	214	6	how	how	SCONJ
ajoaa-543	214	7	cumbersome	cumbersome	ADJ
ajoaa-543	214	8	and	and	CCONJ
ajoaa-543	214	9	long	long	ADJ
ajoaa-543	214	10	the	the	DET
ajoaa-543	214	11	application	application	NOUN
ajoaa-543	214	12	procedures	procedure	NOUN
ajoaa-543	214	13	are	be	AUX
ajoaa-543	214	14	have	have	VERB
ajoaa-543	214	15	negative	negative	ADJ
ajoaa-543	214	16	influence	influence	NOUN
ajoaa-543	214	17	on	on	ADP
ajoaa-543	214	18	the	the	DET
ajoaa-543	214	19	probability	probability	NOUN
ajoaa-543	214	20	of	of	ADP
ajoaa-543	214	21	their	their	PRON
ajoaa-543	214	22	demand	demand	NOUN
ajoaa-543	214	23	for	for	ADP
ajoaa-543	214	24	credit	credit	NOUN
ajoaa-543	214	25	from	from	ADP
ajoaa-543	214	26	the	the	DET
ajoaa-543	214	27	rural	rural	ADJ
ajoaa-543	214	28	banks	bank	NOUN
ajoaa-543	214	29	.	.	PUNCT
ajoaa-543	215	1	though	though	SCONJ
ajoaa-543	215	2	it	it	PRON
ajoaa-543	215	3	met	meet	VERB
ajoaa-543	215	4	the	the	DET
ajoaa-543	215	5	apriori	apriori	ADJ
ajoaa-543	215	6	expectation	expectation	NOUN
ajoaa-543	215	7	of	of	ADP
ajoaa-543	215	8	negative	negative	ADJ
ajoaa-543	215	9	relationship	relationship	NOUN
ajoaa-543	215	10	,	,	PUNCT
ajoaa-543	215	11	it	it	PRON
ajoaa-543	215	12	was	be	AUX
ajoaa-543	215	13	not	not	PART
ajoaa-543	215	14	significant	significant	ADJ
ajoaa-543	215	15	.	.	PUNCT
ajoaa-543	216	1	this	this	DET
ajoaa-543	216	2	finding	finding	NOUN
ajoaa-543	216	3	of	of	ADP
ajoaa-543	216	4	negative	negative	ADJ
ajoaa-543	216	5	influence	influence	NOUN
ajoaa-543	216	6	of	of	ADP
ajoaa-543	216	7	long	long	ADJ
ajoaa-543	216	8	and	and	CCONJ
ajoaa-543	216	9	complicated	complicated	ADJ
ajoaa-543	216	10	application	application	NOUN
ajoaa-543	216	11	procedures	procedure	NOUN
ajoaa-543	216	12	on	on	ADP
ajoaa-543	216	13	the	the	DET
ajoaa-543	216	14	demand	demand	NOUN
ajoaa-543	216	15	for	for	ADP
ajoaa-543	216	16	credit	credit	NOUN
ajoaa-543	216	17	from	from	ADP
ajoaa-543	216	18	rural	rural	ADJ
ajoaa-543	216	19	banks	bank	NOUN
ajoaa-543	216	20	by	by	ADP
ajoaa-543	216	21	farmers	farmer	NOUN
ajoaa-543	216	22	is	be	AUX
ajoaa-543	216	23	consistent	consistent	ADJ
ajoaa-543	216	24	with	with	ADP
ajoaa-543	216	25	the	the	DET
ajoaa-543	216	26	findings	finding	NOUN
ajoaa-543	216	27	of	of	ADP
ajoaa-543	216	28	akudugu	akudugu	ADP
ajoaa-543	216	29	et	et	PROPN
ajoaa-543	216	30	al	al	PROPN
ajoaa-543	216	31	.	.	PROPN
ajoaa-543	217	1	(	(	PUNCT
ajoaa-543	217	2	2009	2009	NUM
ajoaa-543	217	3	)	)	PUNCT
ajoaa-543	217	4	,	,	PUNCT
ajoaa-543	217	5	nathan	nathan	PROPN
ajoaa-543	217	6	et	et	PROPN
ajoaa-543	217	7	al	al	PROPN
ajoaa-543	217	8	.	.	PROPN
ajoaa-543	217	9	(	(	PUNCT
ajoaa-543	217	10	2004	2004	NUM
ajoaa-543	217	11	)	)	PUNCT
ajoaa-543	217	12	and	and	CCONJ
ajoaa-543	217	13	johnson	johnson	PROPN
ajoaa-543	217	14	(	(	PUNCT
ajoaa-543	217	15	2004	2004	NUM
ajoaa-543	217	16	)	)	PUNCT
ajoaa-543	217	17	that	that	SCONJ
ajoaa-543	217	18	cumbersome	cumbersome	ADJ
ajoaa-543	217	19	application	application	NOUN
ajoaa-543	217	20	procedures	procedure	NOUN
ajoaa-543	217	21	deter	deter	VERB
ajoaa-543	217	22	people	people	NOUN
ajoaa-543	217	23	,	,	PUNCT
ajoaa-543	217	24	especially	especially	ADV
ajoaa-543	217	25	illiterates	illiterates	ADJ
ajoaa-543	217	26	,	,	PUNCT
ajoaa-543	217	27	from	from	ADP
ajoaa-543	217	28	demanding	demand	VERB
ajoaa-543	217	29	credit	credit	NOUN
ajoaa-543	217	30	from	from	ADP
ajoaa-543	217	31	formal	formal	ADJ
ajoaa-543	217	32	sources	source	NOUN
ajoaa-543	217	33	.	.	PUNCT
ajoaa-543	218	1	savings	saving	NOUN
ajoaa-543	218	2	made	make	VERB
ajoaa-543	218	3	with	with	ADP
ajoaa-543	218	4	the	the	DET
ajoaa-543	218	5	rural	rural	ADJ
ajoaa-543	218	6	banks	bank	NOUN
ajoaa-543	218	7	by	by	ADP
ajoaa-543	218	8	farmers	farmer	NOUN
ajoaa-543	218	9	met	meet	VERB
ajoaa-543	218	10	the	the	DET
ajoaa-543	218	11	apriori	apriori	ADJ
ajoaa-543	218	12	expectation	expectation	NOUN
ajoaa-543	218	13	of	of	ADP
ajoaa-543	218	14	positive	positive	ADJ
ajoaa-543	218	15	relationship	relationship	NOUN
ajoaa-543	218	16	with	with	ADP
ajoaa-543	218	17	the	the	DET
ajoaa-543	218	18	probability	probability	NOUN
ajoaa-543	218	19	of	of	ADP
ajoaa-543	218	20	farmers	farmer	NOUN
ajoaa-543	218	21	demanding	demand	VERB
ajoaa-543	218	22	credit	credit	NOUN
ajoaa-543	218	23	from	from	ADP
ajoaa-543	218	24	rural	rural	ADJ
ajoaa-543	218	25	banks	bank	NOUN
ajoaa-543	218	26	.	.	PUNCT
ajoaa-543	219	1	it	it	PRON
ajoaa-543	219	2	was	be	AUX
ajoaa-543	219	3	significant	significant	ADJ
ajoaa-543	219	4	at	at	ADP
ajoaa-543	219	5	the	the	DET
ajoaa-543	219	6	1	1	NUM
ajoaa-543	219	7	per	per	NOUN
ajoaa-543	219	8	cent	cent	NOUN
ajoaa-543	219	9	level	level	NOUN
ajoaa-543	219	10	.	.	PUNCT
ajoaa-543	220	1	due	due	ADP
ajoaa-543	220	2	to	to	ADP
ajoaa-543	220	3	the	the	DET
ajoaa-543	220	4	savings	saving	NOUN
ajoaa-543	220	5	before	before	ADP
ajoaa-543	220	6	credit	credit	NOUN
ajoaa-543	220	7	policy	policy	NOUN
ajoaa-543	220	8	by	by	ADP
ajoaa-543	220	9	most	most	ADJ
ajoaa-543	220	10	rural	rural	ADJ
ajoaa-543	220	11	banks	bank	NOUN
ajoaa-543	220	12	,	,	PUNCT
ajoaa-543	220	13	people	people	NOUN
ajoaa-543	220	14	who	who	PRON
ajoaa-543	220	15	saved	save	VERB
ajoaa-543	220	16	with	with	ADP
ajoaa-543	220	17	them	they	PRON
ajoaa-543	220	18	mostly	mostly	ADV
ajoaa-543	220	19	demanded	demand	VERB
ajoaa-543	220	20	credit	credit	NOUN
ajoaa-543	220	21	from	from	ADP
ajoaa-543	220	22	them	they	PRON
ajoaa-543	220	23	(	(	PUNCT
ajoaa-543	220	24	rural	rural	ADJ
ajoaa-543	220	25	banks	bank	NOUN
ajoaa-543	220	26	)	)	PUNCT
ajoaa-543	220	27	since	since	SCONJ
ajoaa-543	220	28	the	the	DET
ajoaa-543	220	29	principal	principal	NOUN
ajoaa-543	220	30	motive	motive	NOUN
ajoaa-543	220	31	for	for	ADP
ajoaa-543	220	32	saving	save	VERB
ajoaa-543	220	33	with	with	ADP
ajoaa-543	220	34	the	the	DET
ajoaa-543	220	35	banks	bank	NOUN
ajoaa-543	220	36	is	be	AUX
ajoaa-543	220	37	to	to	PART
ajoaa-543	220	38	get	get	VERB
ajoaa-543	220	39	credit	credit	NOUN
ajoaa-543	220	40	in	in	ADP
ajoaa-543	220	41	return	return	NOUN
ajoaa-543	220	42	.	.	PUNCT
ajoaa-543	221	1	this	this	DET
ajoaa-543	221	2	finding	finding	NOUN
ajoaa-543	221	3	of	of	ADP
ajoaa-543	221	4	positive	positive	ADJ
ajoaa-543	221	5	effect	effect	NOUN
ajoaa-543	221	6	of	of	ADP
ajoaa-543	221	7	savings	saving	NOUN
ajoaa-543	221	8	on	on	ADP
ajoaa-543	221	9	probability	probability	NOUN
ajoaa-543	221	10	of	of	ADP
ajoaa-543	221	11	demanding	demand	VERB
ajoaa-543	221	12	credit	credit	NOUN
ajoaa-543	221	13	from	from	ADP
ajoaa-543	221	14	the	the	DET
ajoaa-543	221	15	rural	rural	ADJ
ajoaa-543	221	16	banks	bank	NOUN
ajoaa-543	221	17	is	be	AUX
ajoaa-543	221	18	supported	support	VERB
ajoaa-543	221	19	by	by	ADP
ajoaa-543	221	20	the	the	DET
ajoaa-543	221	21	finding	finding	NOUN
ajoaa-543	221	22	of	of	ADP
ajoaa-543	221	23	akudugu	akudugu	NOUN
ajoaa-543	221	24	et	et	PROPN
ajoaa-543	221	25	al	al	PROPN
ajoaa-543	221	26	.	.	PROPN
ajoaa-543	222	1	(	(	PUNCT
ajoaa-543	222	2	2009b	2009b	NUM
ajoaa-543	222	3	)	)	PUNCT
ajoaa-543	222	4	and	and	CCONJ
ajoaa-543	222	5	akram	akram	PROPN
ajoaa-543	222	6	et	et	PROPN
ajoaa-543	222	7	al	al	PROPN
ajoaa-543	222	8	.	.	PROPN
ajoaa-543	223	1	(	(	PUNCT
ajoaa-543	223	2	2008	2008	NUM
ajoaa-543	223	3	)	)	PUNCT
ajoaa-543	223	4	that	that	SCONJ
ajoaa-543	223	5	savings	saving	NOUN
ajoaa-543	223	6	form	form	VERB
ajoaa-543	223	7	a	a	DET
ajoaa-543	223	8	basic	basic	ADJ
ajoaa-543	223	9	requirement	requirement	NOUN
ajoaa-543	223	10	of	of	ADP
ajoaa-543	223	11	accessing	access	VERB
ajoaa-543	223	12	credit	credit	NOUN
ajoaa-543	223	13	from	from	ADP
ajoaa-543	223	14	many	many	ADJ
ajoaa-543	223	15	formal	formal	ADJ
ajoaa-543	223	16	financial	financial	ADJ
ajoaa-543	223	17	institutions	institution	NOUN
ajoaa-543	223	18	.	.	PUNCT
ajoaa-543	224	1	farm	farm	NOUN
ajoaa-543	224	2	size	size	NOUN
ajoaa-543	224	3	was	be	AUX
ajoaa-543	224	4	also	also	ADV
ajoaa-543	224	5	found	find	VERB
ajoaa-543	224	6	to	to	PART
ajoaa-543	224	7	be	be	AUX
ajoaa-543	224	8	positively	positively	ADV
ajoaa-543	224	9	related	relate	VERB
ajoaa-543	224	10	to	to	ADP
ajoaa-543	224	11	the	the	DET
ajoaa-543	224	12	probability	probability	NOUN
ajoaa-543	224	13	of	of	ADP
ajoaa-543	224	14	farmers‟	farmers‟	NOUN
ajoaa-543	224	15	demanding	demand	VERB
ajoaa-543	224	16	credit	credit	NOUN
ajoaa-543	224	17	from	from	ADP
ajoaa-543	224	18	the	the	DET
ajoaa-543	224	19	rural	rural	ADJ
ajoaa-543	224	20	banks	bank	NOUN
ajoaa-543	224	21	for	for	ADP
ajoaa-543	224	22	their	their	PRON
ajoaa-543	224	23	farming	farming	NOUN
ajoaa-543	224	24	activities	activity	NOUN
ajoaa-543	224	25	.	.	PUNCT
ajoaa-543	225	1	this	this	PRON
ajoaa-543	225	2	was	be	AUX
ajoaa-543	225	3	found	find	VERB
ajoaa-543	225	4	to	to	PART
ajoaa-543	225	5	be	be	AUX
ajoaa-543	225	6	significant	significant	ADJ
ajoaa-543	225	7	at	at	ADP
ajoaa-543	225	8	the	the	DET
ajoaa-543	225	9	5	5	NUM
ajoaa-543	225	10	per	per	NOUN
ajoaa-543	225	11	cent	cent	NOUN
ajoaa-543	225	12	level	level	NOUN
ajoaa-543	225	13	.	.	PUNCT
ajoaa-543	226	1	though	though	SCONJ
ajoaa-543	226	2	the	the	DET
ajoaa-543	226	3	perception	perception	NOUN
ajoaa-543	226	4	of	of	ADP
ajoaa-543	226	5	farmers	farmer	NOUN
ajoaa-543	226	6	on	on	ADP
ajoaa-543	226	7	interest	interest	NOUN
ajoaa-543	226	8	rate	rate	NOUN
ajoaa-543	226	9	charged	charge	VERB
ajoaa-543	226	10	met	meet	VERB
ajoaa-543	226	11	the	the	DET
ajoaa-543	226	12	apriori	apriori	ADJ
ajoaa-543	226	13	expectation	expectation	NOUN
ajoaa-543	226	14	of	of	ADP
ajoaa-543	226	15	negative	negative	ADJ
ajoaa-543	226	16	relationship	relationship	NOUN
ajoaa-543	226	17	,	,	PUNCT
ajoaa-543	226	18	it	it	PRON
ajoaa-543	226	19	was	be	AUX
ajoaa-543	226	20	an	an	DET
ajoaa-543	226	21	insignificant	insignificant	ADJ
ajoaa-543	226	22	determinant	determinant	NOUN
ajoaa-543	226	23	of	of	ADP
ajoaa-543	226	24	the	the	DET
ajoaa-543	226	25	demand	demand	NOUN
ajoaa-543	226	26	for	for	ADP
ajoaa-543	226	27	credit	credit	NOUN
ajoaa-543	226	28	from	from	ADP
ajoaa-543	226	29	rural	rural	ADJ
ajoaa-543	226	30	banks	bank	NOUN
ajoaa-543	226	31	by	by	ADP
ajoaa-543	226	32	farmers	farmer	NOUN
ajoaa-543	226	33	.	.	PUNCT
ajoaa-543	227	1	this	this	DET
ajoaa-543	227	2	finding	finding	NOUN
ajoaa-543	227	3	of	of	ADP
ajoaa-543	227	4	negative	negative	ADJ
ajoaa-543	227	5	influence	influence	NOUN
ajoaa-543	227	6	of	of	ADP
ajoaa-543	227	7	interest	interest	NOUN
ajoaa-543	227	8	charged	charge	VERB
ajoaa-543	227	9	on	on	ADP
ajoaa-543	227	10	the	the	DET
ajoaa-543	227	11	probability	probability	NOUN
ajoaa-543	227	12	of	of	ADP
ajoaa-543	227	13	farmers	farmer	NOUN
ajoaa-543	227	14	demanding	demand	VERB
ajoaa-543	227	15	credit	credit	NOUN
ajoaa-543	227	16	from	from	ADP
ajoaa-543	227	17	the	the	DET
ajoaa-543	227	18	rural	rural	ADJ
ajoaa-543	227	19	banks	bank	NOUN
ajoaa-543	227	20	is	be	AUX
ajoaa-543	227	21	supported	support	VERB
ajoaa-543	227	22	by	by	ADP
ajoaa-543	227	23	that	that	PRON
ajoaa-543	227	24	of	of	ADP
ajoaa-543	227	25	business	business	NOUN
ajoaa-543	227	26	week	week	NOUN
ajoaa-543	227	27	(	(	PUNCT
ajoaa-543	227	28	2005	2005	NUM
ajoaa-543	227	29	)	)	PUNCT
ajoaa-543	227	30	and	and	CCONJ
ajoaa-543	227	31	the	the	DET
ajoaa-543	227	32	financial	financial	ADJ
ajoaa-543	227	33	express	express	NOUN
ajoaa-543	227	34	(	(	PUNCT
ajoaa-543	227	35	2005	2005	NUM
ajoaa-543	227	36	)	)	PUNCT
ajoaa-543	227	37	that	that	SCONJ
ajoaa-543	227	38	the	the	DET
ajoaa-543	227	39	exorbitant	exorbitant	ADJ
ajoaa-543	227	40	interest	interest	NOUN
ajoaa-543	227	41	rates	rate	NOUN
ajoaa-543	227	42	charged	charge	VERB
ajoaa-543	227	43	by	by	ADP
ajoaa-543	227	44	financial	financial	ADJ
ajoaa-543	227	45	institutions	institution	NOUN
ajoaa-543	227	46	deter	deter	VERB
ajoaa-543	227	47	many	many	ADJ
ajoaa-543	227	48	people	people	NOUN
ajoaa-543	227	49	from	from	ADP
ajoaa-543	227	50	demanding	demand	VERB
ajoaa-543	227	51	credit	credit	NOUN
ajoaa-543	227	52	from	from	ADP
ajoaa-543	227	53	such	such	ADJ
ajoaa-543	227	54	sources	source	NOUN
ajoaa-543	227	55	.	.	PUNCT
ajoaa-543	228	1	this	this	PRON
ajoaa-543	228	2	implies	imply	VERB
ajoaa-543	228	3	that	that	SCONJ
ajoaa-543	228	4	farmers	farmer	NOUN
ajoaa-543	228	5	who	who	PRON
ajoaa-543	228	6	perceived	perceive	VERB
ajoaa-543	228	7	the	the	DET
ajoaa-543	228	8	interest	interest	NOUN
ajoaa-543	228	9	charged	charge	VERB
ajoaa-543	228	10	by	by	ADP
ajoaa-543	228	11	the	the	DET
ajoaa-543	228	12	rural	rural	ADJ
ajoaa-543	228	13	banks	bank	NOUN
ajoaa-543	228	14	to	to	PART
ajoaa-543	228	15	be	be	AUX
ajoaa-543	228	16	high	high	ADJ
ajoaa-543	228	17	are	be	AUX
ajoaa-543	228	18	less	less	ADV
ajoaa-543	228	19	likely	likely	ADJ
ajoaa-543	228	20	to	to	PART
ajoaa-543	228	21	demand	demand	VERB
ajoaa-543	228	22	credit	credit	NOUN
ajoaa-543	228	23	from	from	ADP
ajoaa-543	228	24	them	they	PRON
ajoaa-543	228	25	.	.	PUNCT
ajoaa-543	229	1	gender	gender	NOUN
ajoaa-543	229	2	of	of	ADP
ajoaa-543	229	3	farmers	farmer	NOUN
ajoaa-543	229	4	was	be	AUX
ajoaa-543	229	5	also	also	ADV
ajoaa-543	229	6	found	find	VERB
ajoaa-543	229	7	to	to	PART
ajoaa-543	229	8	be	be	AUX
ajoaa-543	229	9	a	a	DET
ajoaa-543	229	10	significant	significant	ADJ
ajoaa-543	229	11	determinant	determinant	NOUN
ajoaa-543	229	12	of	of	ADP
ajoaa-543	229	13	the	the	DET
ajoaa-543	229	14	demand	demand	NOUN
ajoaa-543	229	15	for	for	ADP
ajoaa-543	229	16	credit	credit	NOUN
ajoaa-543	229	17	from	from	ADP
ajoaa-543	229	18	the	the	DET
ajoaa-543	229	19	rural	rural	ADJ
ajoaa-543	229	20	banks	bank	NOUN
ajoaa-543	229	21	.	.	PUNCT
ajoaa-543	230	1	this	this	PRON
ajoaa-543	230	2	means	mean	VERB
ajoaa-543	230	3	that	that	SCONJ
ajoaa-543	230	4	female	female	ADJ
ajoaa-543	230	5	farmers	farmer	NOUN
ajoaa-543	230	6	are	be	AUX
ajoaa-543	230	7	more	more	ADV
ajoaa-543	230	8	likely	likely	ADJ
ajoaa-543	230	9	to	to	PART
ajoaa-543	230	10	demand	demand	VERB
ajoaa-543	230	11	credit	credit	NOUN
ajoaa-543	230	12	from	from	ADP
ajoaa-543	230	13	the	the	DET
ajoaa-543	230	14	rural	rural	ADJ
ajoaa-543	230	15	banks	bank	NOUN
ajoaa-543	230	16	than	than	ADP
ajoaa-543	230	17	their	their	PRON
ajoaa-543	230	18	male	male	ADJ
ajoaa-543	230	19	counterparts	counterpart	NOUN
ajoaa-543	230	20	.	.	PUNCT
ajoaa-543	231	1	it	it	PRON
ajoaa-543	231	2	was	be	AUX
ajoaa-543	231	3	found	find	VERB
ajoaa-543	231	4	to	to	PART
ajoaa-543	231	5	be	be	AUX
ajoaa-543	231	6	significant	significant	ADJ
ajoaa-543	231	7	at	at	ADP
ajoaa-543	231	8	1	1	NUM
ajoaa-543	231	9	per	per	ADP
ajoaa-543	231	10	cent	cent	NOUN
ajoaa-543	231	11	.	.	PUNCT
ajoaa-543	232	1	this	this	PRON
ajoaa-543	232	2	is	be	AUX
ajoaa-543	232	3	understandable	understandable	ADJ
ajoaa-543	232	4	given	give	VERB
ajoaa-543	232	5	that	that	SCONJ
ajoaa-543	232	6	most	most	ADJ
ajoaa-543	232	7	credit	credit	NOUN
ajoaa-543	232	8	schemes	scheme	NOUN
ajoaa-543	232	9	designed	design	VERB
ajoaa-543	232	10	by	by	ADP
ajoaa-543	232	11	banks	bank	NOUN
ajoaa-543	232	12	and	and	CCONJ
ajoaa-543	232	13	other	other	ADJ
ajoaa-543	232	14	development	development	NOUN
ajoaa-543	232	15	institutions	institution	NOUN
ajoaa-543	232	16	such	such	ADJ
ajoaa-543	232	17	as	as	ADP
ajoaa-543	232	18	ngos	ngo	NOUN
ajoaa-543	232	19	focus	focus	VERB
ajoaa-543	232	20	more	more	ADV
ajoaa-543	232	21	on	on	ADP
ajoaa-543	232	22	women	woman	NOUN
ajoaa-543	232	23	.	.	PUNCT
ajoaa-543	233	1	this	this	PRON
ajoaa-543	233	2	is	be	AUX
ajoaa-543	233	3	as	as	ADP
ajoaa-543	233	4	a	a	DET
ajoaa-543	233	5	result	result	NOUN
ajoaa-543	233	6	of	of	ADP
ajoaa-543	233	7	the	the	DET
ajoaa-543	233	8	fact	fact	NOUN
ajoaa-543	233	9	that	that	SCONJ
ajoaa-543	233	10	they	they	PRON
ajoaa-543	233	11	are	be	AUX
ajoaa-543	233	12	considered	consider	VERB
ajoaa-543	233	13	the	the	DET
ajoaa-543	233	14	most	most	ADV
ajoaa-543	233	15	disadvantaged	disadvantaged	ADJ
ajoaa-543	233	16	,	,	PUNCT
ajoaa-543	233	17	vulnerable	vulnerable	ADJ
ajoaa-543	233	18	and	and	CCONJ
ajoaa-543	233	19	above	above	ADP
ajoaa-543	233	20	all	all	PRON
ajoaa-543	233	21	,	,	PUNCT
ajoaa-543	233	22	credit	credit	NOUN
ajoaa-543	233	23	worthy	worthy	ADJ
ajoaa-543	233	24	.	.	PUNCT
ajoaa-543	234	1	as	as	SCONJ
ajoaa-543	234	2	expected	expect	VERB
ajoaa-543	234	3	,	,	PUNCT
ajoaa-543	234	4	access	access	NOUN
ajoaa-543	234	5	to	to	ADP
ajoaa-543	234	6	land	land	NOUN
ajoaa-543	234	7	for	for	ADP
ajoaa-543	234	8	farming	farming	NOUN
ajoaa-543	234	9	was	be	AUX
ajoaa-543	234	10	found	find	VERB
ajoaa-543	234	11	to	to	PART
ajoaa-543	234	12	be	be	AUX
ajoaa-543	234	13	a	a	DET
ajoaa-543	234	14	positive	positive	ADJ
ajoaa-543	234	15	determinant	determinant	NOUN
ajoaa-543	234	16	of	of	ADP
ajoaa-543	234	17	the	the	DET
ajoaa-543	234	18	demand	demand	NOUN
ajoaa-543	234	19	for	for	ADP
ajoaa-543	234	20	credit	credit	NOUN
ajoaa-543	234	21	from	from	ADP
ajoaa-543	234	22	rural	rural	ADJ
ajoaa-543	234	23	banks	bank	NOUN
ajoaa-543	234	24	by	by	ADP
ajoaa-543	234	25	farmers	farmer	NOUN
ajoaa-543	234	26	though	though	SCONJ
ajoaa-543	234	27	insignificant	insignificant	ADJ
ajoaa-543	234	28	.	.	PUNCT
ajoaa-543	235	1	this	this	DET
ajoaa-543	235	2	finding	finding	NOUN
ajoaa-543	235	3	is	be	AUX
ajoaa-543	235	4	inconsistent	inconsistent	ADJ
ajoaa-543	235	5	with	with	ADP
ajoaa-543	235	6	the	the	DET
ajoaa-543	235	7	finding	finding	NOUN
ajoaa-543	235	8	of	of	ADP
ajoaa-543	235	9	benerjee	benerjee	NOUN
ajoaa-543	235	10	(	(	PUNCT
ajoaa-543	235	11	2001	2001	NUM
ajoaa-543	235	12	)	)	PUNCT
ajoaa-543	235	13	that	that	SCONJ
ajoaa-543	235	14	land	land	NOUN
ajoaa-543	235	15	constitutes	constitute	VERB
ajoaa-543	235	16	a	a	DET
ajoaa-543	235	17	major	major	ADJ
ajoaa-543	235	18	factor	factor	NOUN
ajoaa-543	235	19	in	in	ADP
ajoaa-543	235	20	deciding	decide	VERB
ajoaa-543	235	21	whether	whether	SCONJ
ajoaa-543	235	22	or	or	CCONJ
ajoaa-543	235	23	not	not	PART
ajoaa-543	235	24	to	to	PART
ajoaa-543	235	25	demand	demand	VERB
ajoaa-543	235	26	credit	credit	NOUN
ajoaa-543	235	27	from	from	ADP
ajoaa-543	235	28	formal	formal	ADJ
ajoaa-543	235	29	sources	source	NOUN
ajoaa-543	235	30	.	.	PUNCT
ajoaa-543	236	1	this	this	PRON
ajoaa-543	236	2	is	be	AUX
ajoaa-543	236	3	because	because	SCONJ
ajoaa-543	236	4	access	access	NOUN
ajoaa-543	236	5	to	to	ADP
ajoaa-543	236	6	land	land	NOUN
ajoaa-543	236	7	for	for	ADP
ajoaa-543	236	8	farming	farming	NOUN
ajoaa-543	236	9	is	be	AUX
ajoaa-543	236	10	not	not	PART
ajoaa-543	236	11	a	a	DET
ajoaa-543	236	12	serious	serious	ADJ
ajoaa-543	236	13	challenge	challenge	NOUN
ajoaa-543	236	14	in	in	ADP
ajoaa-543	236	15	the	the	DET
ajoaa-543	236	16	study	study	NOUN
ajoaa-543	236	17	area	area	NOUN
ajoaa-543	236	18	.	.	PUNCT
ajoaa-543	237	1	active	active	ADJ
ajoaa-543	237	2	political	political	ADJ
ajoaa-543	237	3	affiliation	affiliation	NOUN
ajoaa-543	237	4	met	meet	VERB
ajoaa-543	237	5	the	the	DET
ajoaa-543	237	6	apriori	apriori	ADJ
ajoaa-543	237	7	expectation	expectation	NOUN
ajoaa-543	237	8	of	of	ADP
ajoaa-543	237	9	positive	positive	ADJ
ajoaa-543	237	10	relationship	relationship	NOUN
ajoaa-543	237	11	with	with	ADP
ajoaa-543	237	12	probability	probability	NOUN
ajoaa-543	237	13	of	of	ADP
ajoaa-543	237	14	the	the	DET
ajoaa-543	237	15	decision	decision	NOUN
ajoaa-543	237	16	to	to	PART
ajoaa-543	237	17	demand	demand	VERB
ajoaa-543	237	18	credit	credit	NOUN
ajoaa-543	237	19	from	from	ADP
ajoaa-543	237	20	the	the	DET
ajoaa-543	237	21	rural	rural	ADJ
ajoaa-543	237	22	banks	bank	NOUN
ajoaa-543	237	23	.	.	PUNCT
ajoaa-543	238	1	this	this	PRON
ajoaa-543	238	2	was	be	AUX
ajoaa-543	238	3	found	find	VERB
ajoaa-543	238	4	to	to	PART
ajoaa-543	238	5	be	be	AUX
ajoaa-543	238	6	significant	significant	ADJ
ajoaa-543	238	7	at	at	ADP
ajoaa-543	238	8	the	the	DET
ajoaa-543	238	9	10	10	NUM
ajoaa-543	238	10	per	per	NOUN
ajoaa-543	238	11	cent	cent	NOUN
ajoaa-543	238	12	level	level	NOUN
ajoaa-543	238	13	.	.	PUNCT
ajoaa-543	239	1	the	the	DET
ajoaa-543	239	2	implication	implication	NOUN
ajoaa-543	239	3	of	of	ADP
ajoaa-543	239	4	this	this	DET
ajoaa-543	239	5	finding	finding	NOUN
ajoaa-543	239	6	is	be	AUX
ajoaa-543	239	7	that	that	SCONJ
ajoaa-543	239	8	farmers	farmer	NOUN
ajoaa-543	239	9	who	who	PRON
ajoaa-543	239	10	are	be	AUX
ajoaa-543	239	11	actively	actively	ADV
ajoaa-543	239	12	affiliated	affiliate	VERB
ajoaa-543	239	13	to	to	ADP
ajoaa-543	239	14	one	one	NUM
ajoaa-543	239	15	political	political	ADJ
ajoaa-543	239	16	party	party	NOUN
ajoaa-543	239	17	or	or	CCONJ
ajoaa-543	239	18	the	the	DET
ajoaa-543	239	19	other	other	ADJ
ajoaa-543	239	20	are	be	AUX
ajoaa-543	239	21	most	most	ADV
ajoaa-543	239	22	likely	likely	ADJ
ajoaa-543	239	23	to	to	PART
ajoaa-543	239	24	demand	demand	VERB
ajoaa-543	239	25	credit	credit	NOUN
ajoaa-543	239	26	from	from	ADP
ajoaa-543	239	27	rural	rural	ADJ
ajoaa-543	239	28	banks	bank	NOUN
ajoaa-543	239	29	especially	especially	ADV
ajoaa-543	239	30	when	when	SCONJ
ajoaa-543	239	31	their	their	PRON
ajoaa-543	239	32	supposed	suppose	VERB
ajoaa-543	239	33	party	party	NOUN
ajoaa-543	239	34	is	be	AUX
ajoaa-543	239	35	in	in	ADP
ajoaa-543	239	36	power	power	NOUN
ajoaa-543	239	37	than	than	ADP
ajoaa-543	239	38	their	their	PRON
ajoaa-543	239	39	counterparts	counterpart	NOUN
ajoaa-543	239	40	who	who	PRON
ajoaa-543	239	41	are	be	AUX
ajoaa-543	239	42	not	not	PART
ajoaa-543	239	43	.	.	PUNCT
ajoaa-543	240	1	this	this	PRON
ajoaa-543	240	2	can	can	AUX
ajoaa-543	240	3	have	have	VERB
ajoaa-543	240	4	negative	negative	ADJ
ajoaa-543	240	5	implications	implication	NOUN
ajoaa-543	240	6	on	on	ADP
ajoaa-543	240	7	credit	credit	NOUN
ajoaa-543	240	8	recovery	recovery	NOUN
ajoaa-543	240	9	by	by	ADP
ajoaa-543	240	10	the	the	DET
ajoaa-543	240	11	rural	rural	ADJ
ajoaa-543	240	12	banks	bank	NOUN
ajoaa-543	240	13	because	because	SCONJ
ajoaa-543	240	14	of	of	ADP
ajoaa-543	240	15	the	the	DET
ajoaa-543	240	16	fact	fact	NOUN
ajoaa-543	240	17	that	that	SCONJ
ajoaa-543	240	18	such	such	ADJ
ajoaa-543	240	19	people	people	NOUN
ajoaa-543	240	20	always	always	ADV
ajoaa-543	240	21	regard	regard	VERB
ajoaa-543	240	22	credit	credit	NOUN
ajoaa-543	240	23	advanced	advanced	ADJ
ajoaa-543	240	24	to	to	ADP
ajoaa-543	240	25	them	they	PRON
ajoaa-543	240	26	by	by	ADP
ajoaa-543	240	27	virtue	virtue	NOUN
ajoaa-543	240	28	of	of	ADP
ajoaa-543	240	29	asian	asian	ADJ
ajoaa-543	240	30	journal	journal	PROPN
ajoaa-543	240	31	of	of	ADP
ajoaa-543	240	32	agriculture	agriculture	NOUN
ajoaa-543	240	33	and	and	CCONJ
ajoaa-543	240	34	rural	rural	ADJ
ajoaa-543	240	35	development	development	NOUN
ajoaa-543	240	36	,	,	PUNCT
ajoaa-543	240	37	2(2	2(2	NUM
ajoaa-543	240	38	)	)	PUNCT
ajoaa-543	240	39	,	,	PUNCT
ajoaa-543	240	40	pp	pp	ADP
ajoaa-543	240	41	.	.	PUNCT
ajoaa-543	241	1	189	189	NUM
ajoaa-543	241	2	-	-	SYM
ajoaa-543	241	3	200	200	NUM
ajoaa-543	241	4	196	196	NUM
ajoaa-543	241	5	their	their	PRON
ajoaa-543	241	6	political	political	ADJ
ajoaa-543	241	7	affiliation	affiliation	NOUN
ajoaa-543	241	8	as	as	ADP
ajoaa-543	241	9	gifts	gift	NOUN
ajoaa-543	241	10	from	from	ADP
ajoaa-543	241	11	their	their	PRON
ajoaa-543	241	12	political	political	ADJ
ajoaa-543	241	13	godfathers	godfather	NOUN
ajoaa-543	241	14	.	.	PUNCT
ajoaa-543	242	1	also	also	ADV
ajoaa-543	242	2	,	,	PUNCT
ajoaa-543	242	3	membership	membership	NOUN
ajoaa-543	242	4	of	of	ADP
ajoaa-543	242	5	social	social	ADJ
ajoaa-543	242	6	groups	group	NOUN
ajoaa-543	242	7	also	also	ADV
ajoaa-543	242	8	conformed	conform	VERB
ajoaa-543	242	9	to	to	ADP
ajoaa-543	242	10	the	the	DET
ajoaa-543	242	11	apriori	apriori	ADJ
ajoaa-543	242	12	expectation	expectation	NOUN
ajoaa-543	242	13	and	and	CCONJ
ajoaa-543	242	14	was	be	AUX
ajoaa-543	242	15	found	find	VERB
ajoaa-543	242	16	to	to	PART
ajoaa-543	242	17	be	be	AUX
ajoaa-543	242	18	significant	significant	ADJ
ajoaa-543	242	19	at	at	ADP
ajoaa-543	242	20	1	1	NUM
ajoaa-543	242	21	per	per	ADP
ajoaa-543	242	22	cent	cent	NOUN
ajoaa-543	242	23	(	(	PUNCT
ajoaa-543	242	24	table	table	NOUN
ajoaa-543	242	25	1	1	NUM
ajoaa-543	242	26	)	)	PUNCT
ajoaa-543	242	27	.	.	PUNCT
ajoaa-543	243	1	this	this	PRON
ajoaa-543	243	2	implies	imply	VERB
ajoaa-543	243	3	that	that	SCONJ
ajoaa-543	243	4	when	when	SCONJ
ajoaa-543	243	5	farmers	farmer	NOUN
ajoaa-543	243	6	joined	join	VERB
ajoaa-543	243	7	social	social	ADJ
ajoaa-543	243	8	groups	group	NOUN
ajoaa-543	243	9	,	,	PUNCT
ajoaa-543	243	10	then	then	ADV
ajoaa-543	243	11	,	,	PUNCT
ajoaa-543	243	12	the	the	DET
ajoaa-543	243	13	probability	probability	NOUN
ajoaa-543	243	14	that	that	SCONJ
ajoaa-543	243	15	they	they	PRON
ajoaa-543	243	16	will	will	AUX
ajoaa-543	243	17	demand	demand	VERB
ajoaa-543	243	18	credit	credit	NOUN
ajoaa-543	243	19	from	from	ADP
ajoaa-543	243	20	the	the	DET
ajoaa-543	243	21	rural	rural	ADJ
ajoaa-543	243	22	banks	bank	NOUN
ajoaa-543	243	23	to	to	PART
ajoaa-543	243	24	support	support	VERB
ajoaa-543	243	25	their	their	PRON
ajoaa-543	243	26	farming	farming	NOUN
ajoaa-543	243	27	activities	activity	NOUN
ajoaa-543	243	28	is	be	AUX
ajoaa-543	243	29	most	most	ADV
ajoaa-543	243	30	likely	likely	ADJ
ajoaa-543	243	31	to	to	PART
ajoaa-543	243	32	increase	increase	VERB
ajoaa-543	243	33	.	.	PUNCT
ajoaa-543	244	1	this	this	PRON
ajoaa-543	244	2	is	be	AUX
ajoaa-543	244	3	more	more	ADV
ajoaa-543	244	4	so	so	ADV
ajoaa-543	244	5	given	give	VERB
ajoaa-543	244	6	that	that	SCONJ
ajoaa-543	244	7	most	most	ADJ
ajoaa-543	244	8	of	of	ADP
ajoaa-543	244	9	such	such	ADJ
ajoaa-543	244	10	social	social	ADJ
ajoaa-543	244	11	groups	group	NOUN
ajoaa-543	244	12	are	be	AUX
ajoaa-543	244	13	formed	form	VERB
ajoaa-543	244	14	by	by	ADP
ajoaa-543	244	15	the	the	DET
ajoaa-543	244	16	rural	rural	ADJ
ajoaa-543	244	17	banks	bank	NOUN
ajoaa-543	244	18	for	for	ADP
ajoaa-543	244	19	mobilizations	mobilization	NOUN
ajoaa-543	244	20	of	of	ADP
ajoaa-543	244	21	savings	saving	NOUN
ajoaa-543	244	22	and	and	CCONJ
ajoaa-543	244	23	credit	credit	NOUN
ajoaa-543	244	24	delivery	delivery	NOUN
ajoaa-543	244	25	.	.	PUNCT
ajoaa-543	245	1	the	the	DET
ajoaa-543	245	2	decision	decision	NOUN
ajoaa-543	245	3	to	to	PART
ajoaa-543	245	4	join	join	VERB
ajoaa-543	245	5	such	such	ADJ
ajoaa-543	245	6	social	social	ADJ
ajoaa-543	245	7	groups	group	NOUN
ajoaa-543	245	8	is	be	AUX
ajoaa-543	245	9	mostly	mostly	ADV
ajoaa-543	245	10	driven	drive	VERB
ajoaa-543	245	11	by	by	ADP
ajoaa-543	245	12	the	the	DET
ajoaa-543	245	13	desire	desire	NOUN
ajoaa-543	245	14	to	to	PART
ajoaa-543	245	15	access	access	VERB
ajoaa-543	245	16	financial	financial	ADJ
ajoaa-543	245	17	services	service	NOUN
ajoaa-543	245	18	,	,	PUNCT
ajoaa-543	245	19	particularly	particularly	ADV
ajoaa-543	245	20	credit	credit	NOUN
ajoaa-543	245	21	from	from	ADP
ajoaa-543	245	22	the	the	DET
ajoaa-543	245	23	rural	rural	ADJ
ajoaa-543	245	24	banks	bank	NOUN
ajoaa-543	245	25	.	.	PUNCT
ajoaa-543	246	1	this	this	DET
ajoaa-543	246	2	finding	finding	NOUN
ajoaa-543	246	3	is	be	AUX
ajoaa-543	246	4	consistent	consistent	ADJ
ajoaa-543	246	5	with	with	ADP
ajoaa-543	246	6	the	the	DET
ajoaa-543	246	7	findings	finding	NOUN
ajoaa-543	246	8	of	of	ADP
ajoaa-543	246	9	akudugu	akudugu	ADP
ajoaa-543	246	10	et	et	PROPN
ajoaa-543	246	11	al	al	PROPN
ajoaa-543	246	12	.	.	PROPN
ajoaa-543	247	1	(	(	PUNCT
ajoaa-543	247	2	2009a	2009a	NUM
ajoaa-543	247	3	)	)	PUNCT
ajoaa-543	247	4	,	,	PUNCT
ajoaa-543	248	1	armendariz	armendariz	ADV
ajoaa-543	248	2	and	and	CCONJ
ajoaa-543	248	3	morduch	morduch	ADJ
ajoaa-543	248	4	(	(	PUNCT
ajoaa-543	248	5	2005	2005	NUM
ajoaa-543	248	6	)	)	PUNCT
ajoaa-543	248	7	,	,	PUNCT
ajoaa-543	248	8	and	and	CCONJ
ajoaa-543	248	9	kah	kah	PROPN
ajoaa-543	248	10	et	et	PROPN
ajoaa-543	248	11	al	al	PROPN
ajoaa-543	248	12	.	.	PROPN
ajoaa-543	249	1	(	(	PUNCT
ajoaa-543	249	2	2005	2005	NUM
ajoaa-543	249	3	)	)	PUNCT
ajoaa-543	249	4	that	that	SCONJ
ajoaa-543	249	5	formation	formation	NOUN
ajoaa-543	249	6	of	of	ADP
ajoaa-543	249	7	economic	economic	ADJ
ajoaa-543	249	8	and	and	CCONJ
ajoaa-543	249	9	social	social	ADJ
ajoaa-543	249	10	associations	association	NOUN
ajoaa-543	249	11	helped	help	VERB
ajoaa-543	249	12	improve	improve	VERB
ajoaa-543	249	13	access	access	NOUN
ajoaa-543	249	14	to	to	ADP
ajoaa-543	249	15	credit	credit	NOUN
ajoaa-543	249	16	since	since	SCONJ
ajoaa-543	249	17	there	there	PRON
ajoaa-543	249	18	is	be	VERB
ajoaa-543	249	19	a	a	DET
ajoaa-543	249	20	joint	joint	ADJ
ajoaa-543	249	21	guarantee	guarantee	NOUN
ajoaa-543	249	22	by	by	ADP
ajoaa-543	249	23	association	association	NOUN
ajoaa-543	249	24	members	member	NOUN
ajoaa-543	249	25	.	.	PUNCT
ajoaa-543	250	1	the	the	DET
ajoaa-543	250	2	distance	distance	NOUN
ajoaa-543	250	3	from	from	ADP
ajoaa-543	250	4	the	the	DET
ajoaa-543	250	5	residence	residence	NOUN
ajoaa-543	250	6	of	of	ADP
ajoaa-543	250	7	farmers	farmer	NOUN
ajoaa-543	250	8	to	to	ADP
ajoaa-543	250	9	the	the	DET
ajoaa-543	250	10	rural	rural	ADJ
ajoaa-543	250	11	banks	bank	NOUN
ajoaa-543	250	12	conformed	conform	VERB
ajoaa-543	250	13	to	to	ADP
ajoaa-543	250	14	the	the	DET
ajoaa-543	250	15	apriori	apriori	ADJ
ajoaa-543	250	16	expectation	expectation	NOUN
ajoaa-543	250	17	of	of	ADP
ajoaa-543	250	18	negative	negative	ADJ
ajoaa-543	250	19	relationship	relationship	NOUN
ajoaa-543	250	20	with	with	ADP
ajoaa-543	250	21	the	the	DET
ajoaa-543	250	22	probability	probability	NOUN
ajoaa-543	250	23	of	of	ADP
ajoaa-543	250	24	farmers	farmer	NOUN
ajoaa-543	250	25	demanding	demand	VERB
ajoaa-543	250	26	credit	credit	NOUN
ajoaa-543	250	27	from	from	ADP
ajoaa-543	250	28	rural	rural	ADJ
ajoaa-543	250	29	banks	bank	NOUN
ajoaa-543	250	30	.	.	PUNCT
ajoaa-543	251	1	it	it	PRON
ajoaa-543	251	2	was	be	AUX
ajoaa-543	251	3	found	find	VERB
ajoaa-543	251	4	to	to	PART
ajoaa-543	251	5	be	be	AUX
ajoaa-543	251	6	significant	significant	ADJ
ajoaa-543	251	7	at	at	ADP
ajoaa-543	251	8	5	5	NUM
ajoaa-543	251	9	per	per	ADP
ajoaa-543	251	10	cent	cent	NOUN
ajoaa-543	251	11	.	.	PUNCT
ajoaa-543	252	1	the	the	DET
ajoaa-543	252	2	negative	negative	ADJ
ajoaa-543	252	3	relationship	relationship	NOUN
ajoaa-543	252	4	between	between	ADP
ajoaa-543	252	5	distance	distance	NOUN
ajoaa-543	252	6	and	and	CCONJ
ajoaa-543	252	7	the	the	DET
ajoaa-543	252	8	probability	probability	NOUN
ajoaa-543	252	9	of	of	ADP
ajoaa-543	252	10	demanding	demand	VERB
ajoaa-543	252	11	credit	credit	NOUN
ajoaa-543	252	12	from	from	ADP
ajoaa-543	252	13	the	the	DET
ajoaa-543	252	14	rural	rural	ADJ
ajoaa-543	252	15	banks	bank	NOUN
ajoaa-543	252	16	by	by	ADP
ajoaa-543	252	17	farmers	farmer	NOUN
ajoaa-543	252	18	is	be	AUX
ajoaa-543	252	19	consistent	consistent	ADJ
ajoaa-543	252	20	with	with	ADP
ajoaa-543	252	21	the	the	DET
ajoaa-543	252	22	findings	finding	NOUN
ajoaa-543	252	23	of	of	ADP
ajoaa-543	252	24	fakayode	fakayode	NOUN
ajoaa-543	252	25	and	and	CCONJ
ajoaa-543	252	26	rahji	rahji	PROPN
ajoaa-543	252	27	(	(	PUNCT
ajoaa-543	252	28	2009	2009	NUM
ajoaa-543	252	29	)	)	PUNCT
ajoaa-543	252	30	and	and	CCONJ
ajoaa-543	252	31	ayamga	ayamga	PROPN
ajoaa-543	252	32	et	et	PROPN
ajoaa-543	252	33	al	al	PROPN
ajoaa-543	252	34	.	.	PROPN
ajoaa-543	253	1	(	(	PUNCT
ajoaa-543	253	2	2006	2006	NUM
ajoaa-543	253	3	)	)	PUNCT
ajoaa-543	254	1	that	that	SCONJ
ajoaa-543	254	2	the	the	PRON
ajoaa-543	254	3	closer	close	ADJ
ajoaa-543	254	4	the	the	DET
ajoaa-543	254	5	source	source	NOUN
ajoaa-543	254	6	,	,	PUNCT
ajoaa-543	254	7	the	the	PRON
ajoaa-543	254	8	higher	high	ADJ
ajoaa-543	254	9	the	the	DET
ajoaa-543	254	10	probability	probability	NOUN
ajoaa-543	254	11	of	of	ADP
ajoaa-543	254	12	the	the	DET
ajoaa-543	254	13	decision	decision	NOUN
ajoaa-543	254	14	to	to	PART
ajoaa-543	254	15	demand	demand	VERB
ajoaa-543	254	16	credit	credit	NOUN
ajoaa-543	254	17	and	and	CCONJ
ajoaa-543	254	18	vice	vice	NOUN
ajoaa-543	254	19	versa	versa	ADV
ajoaa-543	254	20	.	.	PUNCT
ajoaa-543	255	1	this	this	PRON
ajoaa-543	255	2	is	be	AUX
ajoaa-543	255	3	because	because	SCONJ
ajoaa-543	255	4	those	those	PRON
ajoaa-543	255	5	close	close	ADJ
ajoaa-543	255	6	to	to	ADP
ajoaa-543	255	7	the	the	DET
ajoaa-543	255	8	rural	rural	ADJ
ajoaa-543	255	9	banks	bank	NOUN
ajoaa-543	255	10	tend	tend	VERB
ajoaa-543	255	11	to	to	PART
ajoaa-543	255	12	know	know	VERB
ajoaa-543	255	13	more	more	ADJ
ajoaa-543	255	14	about	about	ADP
ajoaa-543	255	15	the	the	DET
ajoaa-543	255	16	services	service	NOUN
ajoaa-543	255	17	rendered	render	VERB
ajoaa-543	255	18	by	by	ADP
ajoaa-543	255	19	the	the	DET
ajoaa-543	255	20	banks	bank	NOUN
ajoaa-543	255	21	and	and	CCONJ
ajoaa-543	255	22	are	be	AUX
ajoaa-543	255	23	most	most	ADV
ajoaa-543	255	24	likely	likely	ADJ
ajoaa-543	255	25	to	to	PART
ajoaa-543	255	26	demand	demand	VERB
ajoaa-543	255	27	such	such	ADJ
ajoaa-543	255	28	services	service	NOUN
ajoaa-543	255	29	.	.	PUNCT
ajoaa-543	256	1	table	table	NOUN
ajoaa-543	256	2	1	1	NUM
ajoaa-543	256	3	:	:	PUNCT
ajoaa-543	256	4	logit	logit	VERB
ajoaa-543	256	5	regression	regression	NOUN
ajoaa-543	256	6	results	result	NOUN
ajoaa-543	256	7	of	of	ADP
ajoaa-543	256	8	determinants	determinant	NOUN
ajoaa-543	256	9	of	of	ADP
ajoaa-543	256	10	credit	credit	NOUN
ajoaa-543	256	11	demand	demand	NOUN
ajoaa-543	256	12	by	by	ADP
ajoaa-543	256	13	farmers	farmer	NOUN
ajoaa-543	256	14	dependent	dependent	ADJ
ajoaa-543	256	15	variable	variable	NOUN
ajoaa-543	256	16	:	:	PUNCT
ajoaa-543	256	17	farmers‟	farmers‟	NOUN
ajoaa-543	256	18	decision	decision	NOUN
ajoaa-543	256	19	to	to	PART
ajoaa-543	256	20	demand	demand	VERB
ajoaa-543	256	21	credit	credit	NOUN
ajoaa-543	256	22	(	(	PUNCT
ajoaa-543	256	23	binary	binary	ADJ
ajoaa-543	256	24	)	)	PUNCT
ajoaa-543	256	25	variable	variable	ADJ
ajoaa-543	256	26	coefficient	coefficient	NOUN
ajoaa-543	256	27	std	std	PROPN
ajoaa-543	256	28	.	.	PUNCT
ajoaa-543	257	1	err	err	PROPN
ajoaa-543	257	2	.	.	PUNCT
ajoaa-543	258	1	marginal	marginal	ADJ
ajoaa-543	258	2	effects	effect	NOUN
ajoaa-543	258	3	age	age	NOUN
ajoaa-543	258	4	-0.2110	-0.2110	PROPN
ajoaa-543	258	5	0.1488	0.1488	NUM
ajoaa-543	258	6	-0.0425	-0.0425	PROPN
ajoaa-543	258	7	age2	age2	PROPN
ajoaa-543	258	8	0.0022	0.0022	NUM
ajoaa-543	258	9	0.0013	0.0013	NUM
ajoaa-543	258	10	*	*	SYM
ajoaa-543	258	11	0.0004	0.0004	NUM
ajoaa-543	258	12	literacy	literacy	NOUN
ajoaa-543	258	13	2.6781	2.6781	NUM
ajoaa-543	258	14	0.9245	0.9245	NUM
ajoaa-543	258	15	*	*	PUNCT
ajoaa-543	258	16	*	*	PUNCT
ajoaa-543	258	17	*	*	PUNCT
ajoaa-543	258	18	0.5110	0.5110	NUM
ajoaa-543	258	19	cash	cash	NOUN
ajoaa-543	258	20	crop	crop	NOUN
ajoaa-543	258	21	1.2520	1.2520	NUM
ajoaa-543	258	22	0.7218	0.7218	NUM
ajoaa-543	258	23	*	*	SYM
ajoaa-543	258	24	0.2310	0.2310	NUM
ajoaa-543	258	25	application	application	NOUN
ajoaa-543	258	26	-0.2025	-0.2025	NOUN
ajoaa-543	258	27	0.6895	0.6895	NUM
ajoaa-543	258	28	-0.0405	-0.0405	NOUN
ajoaa-543	258	29	savings	saving	VERB
ajoaa-543	258	30	3.2476	3.2476	NUM
ajoaa-543	258	31	0.9209	0.9209	NUM
ajoaa-543	258	32	*	*	PUNCT
ajoaa-543	258	33	*	*	PUNCT
ajoaa-543	258	34	*	*	X
ajoaa-543	258	35	0.6576	0.6576	NUM
ajoaa-543	258	36	farm	farm	NOUN
ajoaa-543	258	37	size	size	NOUN
ajoaa-543	258	38	1.8231	1.8231	NUM
ajoaa-543	258	39	0.7682	0.7682	NUM
ajoaa-543	258	40	*	*	PUNCT
ajoaa-543	258	41	*	*	PUNCT
ajoaa-543	258	42	0.3814	0.3814	NUM
ajoaa-543	258	43	interest	interest	NOUN
ajoaa-543	258	44	rate	rate	NOUN
ajoaa-543	258	45	-0.4948	-0.4948	NOUN
ajoaa-543	258	46	0.7081	0.7081	NUM
ajoaa-543	258	47	-0.1029	-0.1029	NOUN
ajoaa-543	258	48	gender	gender	NOUN
ajoaa-543	258	49	1.8992	1.8992	NUM
ajoaa-543	258	50	0.7638	0.7638	NUM
ajoaa-543	258	51	*	*	PUNCT
ajoaa-543	258	52	*	*	PUNCT
ajoaa-543	258	53	*	*	NUM
ajoaa-543	258	54	0.4062	0.4062	NUM
ajoaa-543	258	55	politics	politic	NOUN
ajoaa-543	258	56	1.2093	1.2093	NUM
ajoaa-543	258	57	0.7012	0.7012	NUM
ajoaa-543	258	58	*	*	SYM
ajoaa-543	258	59	0.2548	0.2548	NUM
ajoaa-543	258	60	land	land	NOUN
ajoaa-543	258	61	access	access	NOUN
ajoaa-543	258	62	0.5315	0.5315	NUM
ajoaa-543	258	63	0.8940	0.8940	NUM
ajoaa-543	258	64	0.1113	0.1113	NUM
ajoaa-543	258	65	group	group	NOUN
ajoaa-543	258	66	member	member	NOUN
ajoaa-543	258	67	2.3090	2.3090	NUM
ajoaa-543	258	68	0.7355	0.7355	NUM
ajoaa-543	258	69	*	*	PUNCT
ajoaa-543	258	70	*	*	PUNCT
ajoaa-543	258	71	*	*	PROPN
ajoaa-543	258	72	0.4499	0.4499	NUM
ajoaa-543	258	73	distance	distance	NOUN
ajoaa-543	258	74	-1.0068	-1.0068	NOUN
ajoaa-543	259	1	0.4382	0.4382	NUM
ajoaa-543	259	2	*	*	PUNCT
ajoaa-543	259	3	*	*	NOUN
ajoaa-543	259	4	-0.2029	-0.2029	PROPN
ajoaa-543	259	5	constant	constant	ADJ
ajoaa-543	259	6	-0.3533	-0.3533	PROPN
ajoaa-543	259	7	4.0238	4.0238	NUM
ajoaa-543	259	8	goodness	goodness	NOUN
ajoaa-543	259	9	of	of	ADP
ajoaa-543	259	10	fit	fit	ADJ
ajoaa-543	259	11	measures	measure	NOUN
ajoaa-543	259	12	lr	lr	X
ajoaa-543	259	13	chi	chi	NOUN
ajoaa-543	259	14	-	-	PUNCT
ajoaa-543	259	15	square	square	ADJ
ajoaa-543	259	16	(	(	PUNCT
ajoaa-543	259	17	13	13	NUM
ajoaa-543	259	18	)	)	PUNCT
ajoaa-543	259	19	=	=	SYM
ajoaa-543	259	20	193.96	193.96	NUM
ajoaa-543	259	21	prob	prob	NOUN
ajoaa-543	259	22	>	>	X
ajoaa-543	259	23	chi	chi	ADJ
ajoaa-543	259	24	-	-	PUNCT
ajoaa-543	259	25	square	square	ADJ
ajoaa-543	259	26	=	=	SYM
ajoaa-543	259	27	0.0000	0.0000	NUM
ajoaa-543	259	28	log	log	NOUN
ajoaa-543	259	29	likelihood	likelihood	NOUN
ajoaa-543	259	30	=	=	SYM
ajoaa-543	259	31	-36.313334	-36.313334	PUNCT
ajoaa-543	259	32	pseudo	pseudo	NOUN
ajoaa-543	259	33	r2	r2	NOUN
ajoaa-543	260	1	=	=	PUNCT
ajoaa-543	261	1	0.7276	0.7276	NUM
ajoaa-543	262	1	*	*	PUNCT
ajoaa-543	263	1	*	*	PUNCT
ajoaa-543	263	2	*	*	PUNCT
ajoaa-543	263	3	=	=	PUNCT
ajoaa-543	263	4	significant	significant	ADJ
ajoaa-543	263	5	at	at	ADP
ajoaa-543	263	6	1	1	NUM
ajoaa-543	263	7	%	%	NOUN
ajoaa-543	263	8	;	;	PUNCT
ajoaa-543	263	9	*	*	PUNCT
ajoaa-543	263	10	*	*	PUNCT
ajoaa-543	264	1	=	=	PUNCT
ajoaa-543	264	2	significant	significant	ADJ
ajoaa-543	264	3	at	at	ADP
ajoaa-543	264	4	5	5	NUM
ajoaa-543	264	5	%	%	NOUN
ajoaa-543	264	6	;	;	PUNCT
ajoaa-543	264	7	*	*	PUNCT
ajoaa-543	264	8	=	=	PUNCT
ajoaa-543	264	9	significant	significant	ADJ
ajoaa-543	264	10	at	at	ADP
ajoaa-543	264	11	10	10	NUM
ajoaa-543	264	12	%	%	NOUN
ajoaa-543	264	13	source	source	NOUN
ajoaa-543	264	14	:	:	PUNCT
ajoaa-543	264	15	field	field	NOUN
ajoaa-543	264	16	survey	survey	NOUN
ajoaa-543	264	17	data	datum	NOUN
ajoaa-543	264	18	,	,	PUNCT
ajoaa-543	264	19	2010	2010	NUM
ajoaa-543	264	20	in	in	ADP
ajoaa-543	264	21	summary	summary	NOUN
ajoaa-543	264	22	,	,	PUNCT
ajoaa-543	264	23	the	the	DET
ajoaa-543	264	24	significant	significant	ADJ
ajoaa-543	264	25	determinants	determinant	NOUN
ajoaa-543	264	26	of	of	ADP
ajoaa-543	264	27	credit	credit	NOUN
ajoaa-543	264	28	demand	demand	NOUN
ajoaa-543	264	29	from	from	ADP
ajoaa-543	264	30	rural	rural	ADJ
ajoaa-543	264	31	banks	bank	NOUN
ajoaa-543	264	32	by	by	ADP
ajoaa-543	264	33	farmers	farmer	NOUN
ajoaa-543	264	34	in	in	ADP
ajoaa-543	264	35	the	the	DET
ajoaa-543	264	36	upper	upper	PROPN
ajoaa-543	264	37	east	east	PROPN
ajoaa-543	264	38	region	region	NOUN
ajoaa-543	264	39	of	of	ADP
ajoaa-543	264	40	ghana	ghana	PROPN
ajoaa-543	264	41	are	be	AUX
ajoaa-543	264	42	found	find	VERB
ajoaa-543	264	43	to	to	PART
ajoaa-543	264	44	be	be	AUX
ajoaa-543	264	45	the	the	DET
ajoaa-543	264	46	age	age	NOUN
ajoaa-543	264	47	of	of	ADP
ajoaa-543	264	48	farmer	farmer	NOUN
ajoaa-543	264	49	,	,	PUNCT
ajoaa-543	264	50	literacy	literacy	NOUN
ajoaa-543	264	51	,	,	PUNCT
ajoaa-543	264	52	type	type	NOUN
ajoaa-543	264	53	of	of	ADP
ajoaa-543	264	54	crop	crop	NOUN
ajoaa-543	264	55	grown	grow	VERB
ajoaa-543	264	56	(	(	PUNCT
ajoaa-543	264	57	cash	cash	NOUN
ajoaa-543	264	58	or	or	CCONJ
ajoaa-543	264	59	food	food	NOUN
ajoaa-543	264	60	crop	crop	NOUN
ajoaa-543	264	61	)	)	PUNCT
ajoaa-543	264	62	,	,	PUNCT
ajoaa-543	264	63	savings	saving	NOUN
ajoaa-543	264	64	,	,	PUNCT
ajoaa-543	264	65	farm	farm	NOUN
ajoaa-543	264	66	size	size	NOUN
ajoaa-543	264	67	,	,	PUNCT
ajoaa-543	264	68	gender	gender	NOUN
ajoaa-543	264	69	,	,	PUNCT
ajoaa-543	264	70	political	political	ADJ
ajoaa-543	264	71	affiliations	affiliation	NOUN
ajoaa-543	264	72	,	,	PUNCT
ajoaa-543	264	73	membership	membership	NOUN
ajoaa-543	264	74	of	of	ADP
ajoaa-543	264	75	social	social	ADJ
ajoaa-543	264	76	groups	group	NOUN
ajoaa-543	264	77	,	,	PUNCT
ajoaa-543	264	78	and	and	CCONJ
ajoaa-543	264	79	distance	distance	NOUN
ajoaa-543	264	80	from	from	ADP
ajoaa-543	264	81	residences	residence	NOUN
ajoaa-543	264	82	of	of	ADP
ajoaa-543	264	83	famers	famer	NOUN
ajoaa-543	264	84	to	to	ADP
ajoaa-543	264	85	the	the	DET
ajoaa-543	264	86	rural	rural	ADJ
ajoaa-543	264	87	banks	bank	NOUN
ajoaa-543	264	88	.	.	PUNCT
ajoaa-543	265	1	the	the	DET
ajoaa-543	265	2	conclusion	conclusion	NOUN
ajoaa-543	265	3	is	be	AUX
ajoaa-543	265	4	that	that	SCONJ
ajoaa-543	265	5	any	any	DET
ajoaa-543	265	6	strategy	strategy	NOUN
ajoaa-543	265	7	that	that	PRON
ajoaa-543	265	8	aims	aim	VERB
ajoaa-543	265	9	at	at	ADP
ajoaa-543	265	10	improving	improve	VERB
ajoaa-543	265	11	farmers‟	farmers‟	NOUN
ajoaa-543	265	12	demand	demand	NOUN
ajoaa-543	265	13	for	for	ADP
ajoaa-543	265	14	credit	credit	NOUN
ajoaa-543	265	15	from	from	ADP
ajoaa-543	265	16	rural	rural	ADJ
ajoaa-543	265	17	banks	bank	NOUN
ajoaa-543	265	18	must	must	AUX
ajoaa-543	265	19	of	of	ADP
ajoaa-543	265	20	necessity	necessity	NOUN
ajoaa-543	265	21	target	target	VERB
ajoaa-543	265	22	these	these	DET
ajoaa-543	265	23	socio	socio	NOUN
ajoaa-543	265	24	-	-	PUNCT
ajoaa-543	265	25	economic	economic	ADJ
ajoaa-543	265	26	and	and	CCONJ
ajoaa-543	265	27	politico	politico	ADJ
ajoaa-543	265	28	-	-	PUNCT
ajoaa-543	265	29	cultural	cultural	ADJ
ajoaa-543	265	30	characteristics	characteristic	NOUN
ajoaa-543	265	31	of	of	ADP
ajoaa-543	265	32	farmers	farmer	NOUN
ajoaa-543	265	33	.	.	PUNCT
ajoaa-543	266	1	determinants	determinant	NOUN
ajoaa-543	266	2	of	of	ADP
ajoaa-543	266	3	credit	credit	NOUN
ajoaa-543	266	4	supply	supply	NOUN
ajoaa-543	266	5	to	to	ADP
ajoaa-543	266	6	farmers	farmer	NOUN
ajoaa-543	266	7	by	by	ADP
ajoaa-543	266	8	rural	rural	ADJ
ajoaa-543	266	9	banks	bank	NOUN
ajoaa-543	266	10	the	the	DET
ajoaa-543	266	11	tobit	tobit	PROPN
ajoaa-543	266	12	model	model	NOUN
ajoaa-543	266	13	estimation	estimation	NOUN
ajoaa-543	266	14	gave	give	VERB
ajoaa-543	266	15	a	a	DET
ajoaa-543	266	16	pseudo	pseudo	NOUN
ajoaa-543	266	17	r	r	NOUN
ajoaa-543	266	18	2	2	NUM
ajoaa-543	266	19	of	of	ADP
ajoaa-543	266	20	0.73	0.73	NUM
ajoaa-543	266	21	which	which	PRON
ajoaa-543	266	22	implies	imply	VERB
ajoaa-543	266	23	that	that	SCONJ
ajoaa-543	266	24	the	the	DET
ajoaa-543	266	25	variables	variable	NOUN
ajoaa-543	266	26	included	include	VERB
ajoaa-543	266	27	in	in	ADP
ajoaa-543	266	28	the	the	DET
ajoaa-543	266	29	model	model	NOUN
ajoaa-543	266	30	are	be	AUX
ajoaa-543	266	31	able	able	ADJ
ajoaa-543	266	32	to	to	PART
ajoaa-543	266	33	explain	explain	VERB
ajoaa-543	266	34	about	about	ADP
ajoaa-543	266	35	73	73	NUM
ajoaa-543	266	36	per	per	ADP
ajoaa-543	266	37	cent	cent	NOUN
ajoaa-543	266	38	of	of	ADP
ajoaa-543	266	39	the	the	DET
ajoaa-543	266	40	variability	variability	NOUN
ajoaa-543	266	41	in	in	ADP
ajoaa-543	266	42	credit	credit	NOUN
ajoaa-543	266	43	supply	supply	NOUN
ajoaa-543	266	44	to	to	ADP
ajoaa-543	266	45	farmers	farmer	NOUN
ajoaa-543	266	46	by	by	ADP
ajoaa-543	266	47	rural	rural	ADJ
ajoaa-543	266	48	banks	bank	NOUN
ajoaa-543	266	49	in	in	ADP
ajoaa-543	266	50	ghana‟s	ghana‟s	ADJ
ajoaa-543	266	51	upper	upper	PROPN
ajoaa-543	266	52	east	east	NOUN
ajoaa-543	266	53	region	region	NOUN
ajoaa-543	266	54	(	(	PUNCT
ajoaa-543	266	55	table	table	NOUN
ajoaa-543	266	56	2	2	NUM
ajoaa-543	266	57	)	)	PUNCT
ajoaa-543	266	58	.	.	PUNCT
ajoaa-543	267	1	the	the	DET
ajoaa-543	267	2	age	age	NOUN
ajoaa-543	267	3	of	of	ADP
ajoaa-543	267	4	farmers	farmer	NOUN
ajoaa-543	267	5	conformed	conform	VERB
ajoaa-543	267	6	to	to	ADP
ajoaa-543	267	7	the	the	DET
ajoaa-543	267	8	apriori	apriori	ADJ
ajoaa-543	267	9	expectation	expectation	NOUN
ajoaa-543	267	10	of	of	ADP
ajoaa-543	267	11	quadratic	quadratic	ADJ
ajoaa-543	267	12	function	function	NOUN
ajoaa-543	267	13	though	though	SCONJ
ajoaa-543	267	14	insignificant	insignificant	ADJ
ajoaa-543	267	15	.	.	PUNCT
ajoaa-543	268	1	this	this	PRON
ajoaa-543	268	2	implies	imply	VERB
ajoaa-543	268	3	that	that	SCONJ
ajoaa-543	268	4	the	the	DET
ajoaa-543	268	5	banks	bank	NOUN
ajoaa-543	268	6	are	be	AUX
ajoaa-543	268	7	more	more	ADV
ajoaa-543	268	8	inclined	inclined	ADJ
ajoaa-543	268	9	to	to	ADP
ajoaa-543	268	10	supplying	supply	VERB
ajoaa-543	268	11	credit	credit	NOUN
ajoaa-543	268	12	to	to	ADP
ajoaa-543	268	13	farmers	farmer	NOUN
ajoaa-543	268	14	within	within	ADP
ajoaa-543	268	15	the	the	DET
ajoaa-543	268	16	economically	economically	ADV
ajoaa-543	268	17	active	active	ADJ
ajoaa-543	268	18	age	age	NOUN
ajoaa-543	268	19	group	group	NOUN
ajoaa-543	268	20	.	.	PUNCT
ajoaa-543	269	1	this	this	DET
ajoaa-543	269	2	finding	finding	NOUN
ajoaa-543	269	3	is	be	AUX
ajoaa-543	269	4	consistent	consistent	ADJ
ajoaa-543	269	5	with	with	ADP
ajoaa-543	269	6	akudugu	akudugu	ADP
ajoaa-543	269	7	et	et	PROPN
ajoaa-543	269	8	al	al	PROPN
ajoaa-543	269	9	(	(	PUNCT
ajoaa-543	269	10	2009b	2009b	NUM
ajoaa-543	269	11	)	)	PUNCT
ajoaa-543	270	1	that	that	SCONJ
ajoaa-543	270	2	the	the	DET
ajoaa-543	270	3	amount	amount	NOUN
ajoaa-543	270	4	of	of	ADP
ajoaa-543	270	5	credit	credit	NOUN
ajoaa-543	270	6	that	that	PRON
ajoaa-543	270	7	farmers	farmer	NOUN
ajoaa-543	270	8	are	be	AUX
ajoaa-543	270	9	able	able	ADJ
ajoaa-543	270	10	asian	asian	ADJ
ajoaa-543	270	11	journal	journal	NOUN
ajoaa-543	270	12	of	of	ADP
ajoaa-543	270	13	agriculture	agriculture	NOUN
ajoaa-543	270	14	and	and	CCONJ
ajoaa-543	270	15	rural	rural	ADJ
ajoaa-543	270	16	development	development	NOUN
ajoaa-543	270	17	,	,	PUNCT
ajoaa-543	270	18	2(2	2(2	NUM
ajoaa-543	270	19	)	)	PUNCT
ajoaa-543	270	20	,	,	PUNCT
ajoaa-543	270	21	pp	pp	ADP
ajoaa-543	270	22	.	.	PUNCT
ajoaa-543	270	23	189	189	NUM
ajoaa-543	270	24	-	-	SYM
ajoaa-543	270	25	200	200	NUM
ajoaa-543	270	26	197	197	NUM
ajoaa-543	270	27	to	to	PART
ajoaa-543	270	28	access	access	VERB
ajoaa-543	270	29	from	from	ADP
ajoaa-543	270	30	rural	rural	ADJ
ajoaa-543	270	31	banks	bank	NOUN
ajoaa-543	270	32	is	be	AUX
ajoaa-543	270	33	influenced	influence	VERB
ajoaa-543	270	34	by	by	ADP
ajoaa-543	270	35	their	their	PRON
ajoaa-543	270	36	age	age	NOUN
ajoaa-543	270	37	which	which	PRON
ajoaa-543	270	38	is	be	AUX
ajoaa-543	270	39	used	use	VERB
ajoaa-543	270	40	as	as	ADP
ajoaa-543	270	41	a	a	DET
ajoaa-543	270	42	proxy	proxy	NOUN
ajoaa-543	270	43	for	for	ADP
ajoaa-543	270	44	maturity	maturity	NOUN
ajoaa-543	270	45	and	and	CCONJ
ajoaa-543	270	46	ability	ability	NOUN
ajoaa-543	270	47	to	to	PART
ajoaa-543	270	48	use	use	VERB
ajoaa-543	270	49	credit	credit	NOUN
ajoaa-543	270	50	and	and	CCONJ
ajoaa-543	270	51	to	to	PART
ajoaa-543	270	52	repay	repay	VERB
ajoaa-543	270	53	.	.	PUNCT
ajoaa-543	271	1	literacy	literacy	NOUN
ajoaa-543	271	2	was	be	AUX
ajoaa-543	271	3	also	also	ADV
ajoaa-543	271	4	found	find	VERB
ajoaa-543	271	5	to	to	PART
ajoaa-543	271	6	positively	positively	ADV
ajoaa-543	271	7	relate	relate	VERB
ajoaa-543	271	8	to	to	ADP
ajoaa-543	271	9	the	the	DET
ajoaa-543	271	10	extent	extent	NOUN
ajoaa-543	271	11	of	of	ADP
ajoaa-543	271	12	credit	credit	NOUN
ajoaa-543	271	13	supply	supply	NOUN
ajoaa-543	271	14	to	to	ADP
ajoaa-543	271	15	farmers	farmer	NOUN
ajoaa-543	271	16	by	by	ADP
ajoaa-543	271	17	rural	rural	ADJ
ajoaa-543	271	18	banks	bank	NOUN
ajoaa-543	271	19	.	.	PUNCT
ajoaa-543	272	1	this	this	PRON
ajoaa-543	272	2	is	be	AUX
ajoaa-543	272	3	in	in	ADP
ajoaa-543	272	4	conformity	conformity	NOUN
ajoaa-543	272	5	with	with	ADP
ajoaa-543	272	6	the	the	DET
ajoaa-543	272	7	apriori	apriori	ADJ
ajoaa-543	272	8	expectation	expectation	NOUN
ajoaa-543	272	9	and	and	CCONJ
ajoaa-543	272	10	literature	literature	NOUN
ajoaa-543	272	11	.	.	PUNCT
ajoaa-543	273	1	this	this	PRON
ajoaa-543	273	2	means	mean	VERB
ajoaa-543	273	3	that	that	SCONJ
ajoaa-543	273	4	the	the	DET
ajoaa-543	273	5	amount	amount	NOUN
ajoaa-543	273	6	of	of	ADP
ajoaa-543	273	7	credit	credit	NOUN
ajoaa-543	273	8	that	that	PRON
ajoaa-543	273	9	the	the	DET
ajoaa-543	273	10	rural	rural	ADJ
ajoaa-543	273	11	banks	bank	NOUN
ajoaa-543	273	12	are	be	AUX
ajoaa-543	273	13	ready	ready	ADJ
ajoaa-543	273	14	to	to	PART
ajoaa-543	273	15	supply	supply	VERB
ajoaa-543	273	16	to	to	ADP
ajoaa-543	273	17	farmers	farmer	NOUN
ajoaa-543	273	18	is	be	AUX
ajoaa-543	273	19	positively	positively	ADV
ajoaa-543	273	20	determined	determine	VERB
ajoaa-543	273	21	by	by	ADP
ajoaa-543	273	22	the	the	DET
ajoaa-543	273	23	level	level	NOUN
ajoaa-543	273	24	of	of	ADP
ajoaa-543	273	25	formal	formal	ADJ
ajoaa-543	273	26	education	education	NOUN
ajoaa-543	273	27	of	of	ADP
ajoaa-543	273	28	the	the	DET
ajoaa-543	273	29	applicants	applicant	NOUN
ajoaa-543	273	30	.	.	PUNCT
ajoaa-543	274	1	farmers	farmer	NOUN
ajoaa-543	274	2	who	who	PRON
ajoaa-543	274	3	had	have	VERB
ajoaa-543	274	4	at	at	ADV
ajoaa-543	274	5	least	least	ADV
ajoaa-543	274	6	nine	nine	NUM
ajoaa-543	274	7	years	year	NOUN
ajoaa-543	274	8	of	of	ADP
ajoaa-543	274	9	formal	formal	ADJ
ajoaa-543	274	10	education	education	NOUN
ajoaa-543	274	11	are	be	AUX
ajoaa-543	274	12	likely	likely	ADJ
ajoaa-543	274	13	to	to	PART
ajoaa-543	274	14	be	be	AUX
ajoaa-543	274	15	supplied	supply	VERB
ajoaa-543	274	16	with	with	ADP
ajoaa-543	274	17	higher	high	ADJ
ajoaa-543	274	18	amounts	amount	NOUN
ajoaa-543	274	19	of	of	ADP
ajoaa-543	274	20	credit	credit	NOUN
ajoaa-543	274	21	by	by	ADP
ajoaa-543	274	22	the	the	DET
ajoaa-543	274	23	rural	rural	ADJ
ajoaa-543	274	24	banks	bank	NOUN
ajoaa-543	274	25	than	than	ADP
ajoaa-543	274	26	those	those	PRON
ajoaa-543	274	27	with	with	ADP
ajoaa-543	274	28	less	less	ADJ
ajoaa-543	274	29	number	number	NOUN
ajoaa-543	274	30	of	of	ADP
ajoaa-543	274	31	years	year	NOUN
ajoaa-543	274	32	.	.	PUNCT
ajoaa-543	275	1	the	the	DET
ajoaa-543	275	2	only	only	ADJ
ajoaa-543	275	3	tangible	tangible	ADJ
ajoaa-543	275	4	significant	significant	ADJ
ajoaa-543	275	5	determinant	determinant	NOUN
ajoaa-543	275	6	of	of	ADP
ajoaa-543	275	7	the	the	DET
ajoaa-543	275	8	amount	amount	NOUN
ajoaa-543	275	9	of	of	ADP
ajoaa-543	275	10	credit	credit	NOUN
ajoaa-543	275	11	the	the	DET
ajoaa-543	275	12	rural	rural	ADJ
ajoaa-543	275	13	banks	bank	NOUN
ajoaa-543	275	14	supply	supply	VERB
ajoaa-543	275	15	to	to	ADP
ajoaa-543	275	16	farmers	farmer	NOUN
ajoaa-543	275	17	is	be	AUX
ajoaa-543	275	18	savings	saving	NOUN
ajoaa-543	275	19	made	make	VERB
ajoaa-543	275	20	.	.	PUNCT
ajoaa-543	276	1	this	this	DET
ajoaa-543	276	2	determinant	determinant	ADJ
ajoaa-543	276	3	was	be	AUX
ajoaa-543	276	4	found	find	VERB
ajoaa-543	276	5	to	to	PART
ajoaa-543	276	6	be	be	AUX
ajoaa-543	276	7	significant	significant	ADJ
ajoaa-543	276	8	at	at	ADP
ajoaa-543	276	9	the	the	DET
ajoaa-543	276	10	1	1	NUM
ajoaa-543	276	11	per	per	NOUN
ajoaa-543	276	12	cent	cent	NOUN
ajoaa-543	276	13	significance	significance	NOUN
ajoaa-543	276	14	level	level	NOUN
ajoaa-543	276	15	and	and	CCONJ
ajoaa-543	276	16	is	be	AUX
ajoaa-543	276	17	positively	positively	ADV
ajoaa-543	276	18	related	relate	VERB
ajoaa-543	276	19	to	to	ADP
ajoaa-543	276	20	the	the	DET
ajoaa-543	276	21	amount	amount	NOUN
ajoaa-543	276	22	of	of	ADP
ajoaa-543	276	23	credit	credit	NOUN
ajoaa-543	276	24	that	that	PRON
ajoaa-543	276	25	the	the	DET
ajoaa-543	276	26	rural	rural	ADJ
ajoaa-543	276	27	banks	bank	NOUN
ajoaa-543	276	28	are	be	AUX
ajoaa-543	276	29	ready	ready	ADJ
ajoaa-543	276	30	and	and	CCONJ
ajoaa-543	276	31	willing	willing	ADJ
ajoaa-543	276	32	to	to	PART
ajoaa-543	276	33	supply	supply	VERB
ajoaa-543	276	34	to	to	ADP
ajoaa-543	276	35	farmers	farmer	NOUN
ajoaa-543	276	36	.	.	PUNCT
ajoaa-543	277	1	this	this	PRON
ajoaa-543	277	2	means	mean	VERB
ajoaa-543	277	3	that	that	SCONJ
ajoaa-543	277	4	farmers	farmer	NOUN
ajoaa-543	277	5	who	who	PRON
ajoaa-543	277	6	are	be	AUX
ajoaa-543	277	7	able	able	ADJ
ajoaa-543	277	8	to	to	PART
ajoaa-543	277	9	save	save	VERB
ajoaa-543	277	10	higher	high	ADJ
ajoaa-543	277	11	amounts	amount	NOUN
ajoaa-543	277	12	are	be	AUX
ajoaa-543	277	13	supplied	supply	VERB
ajoaa-543	277	14	with	with	ADP
ajoaa-543	277	15	much	much	ADV
ajoaa-543	277	16	more	more	ADJ
ajoaa-543	277	17	credit	credit	NOUN
ajoaa-543	277	18	than	than	ADP
ajoaa-543	277	19	those	those	PRON
ajoaa-543	277	20	who	who	PRON
ajoaa-543	277	21	are	be	AUX
ajoaa-543	277	22	unable	unable	ADJ
ajoaa-543	277	23	to	to	PART
ajoaa-543	277	24	do	do	VERB
ajoaa-543	277	25	so	so	ADV
ajoaa-543	277	26	.	.	PUNCT
ajoaa-543	278	1	this	this	DET
ajoaa-543	278	2	finding	finding	NOUN
ajoaa-543	278	3	is	be	AUX
ajoaa-543	278	4	supported	support	VERB
ajoaa-543	278	5	by	by	ADP
ajoaa-543	278	6	the	the	DET
ajoaa-543	278	7	„	„	PUNCT
ajoaa-543	278	8	savings	saving	NOUN
ajoaa-543	278	9	before	before	ADP
ajoaa-543	278	10	credit	credit	NOUN
ajoaa-543	278	11	policy‟	policy‟	PROPN
ajoaa-543	278	12	of	of	ADP
ajoaa-543	278	13	the	the	DET
ajoaa-543	278	14	banks	bank	NOUN
ajoaa-543	278	15	.	.	PUNCT
ajoaa-543	279	1	by	by	ADP
ajoaa-543	279	2	this	this	DET
ajoaa-543	279	3	policy	policy	NOUN
ajoaa-543	279	4	,	,	PUNCT
ajoaa-543	279	5	farmers	farmer	NOUN
ajoaa-543	279	6	are	be	AUX
ajoaa-543	279	7	expected	expect	VERB
ajoaa-543	279	8	to	to	PART
ajoaa-543	279	9	save	save	VERB
ajoaa-543	279	10	continuously	continuously	ADV
ajoaa-543	279	11	for	for	ADP
ajoaa-543	279	12	at	at	ADV
ajoaa-543	279	13	least	least	ADV
ajoaa-543	279	14	three	three	NUM
ajoaa-543	279	15	months	month	NOUN
ajoaa-543	279	16	before	before	SCONJ
ajoaa-543	279	17	they	they	PRON
ajoaa-543	279	18	could	could	AUX
ajoaa-543	279	19	be	be	AUX
ajoaa-543	279	20	supplied	supply	VERB
ajoaa-543	279	21	with	with	ADP
ajoaa-543	279	22	credit	credit	NOUN
ajoaa-543	279	23	.	.	PUNCT
ajoaa-543	280	1	from	from	ADP
ajoaa-543	280	2	the	the	DET
ajoaa-543	280	3	interviews	interview	NOUN
ajoaa-543	280	4	with	with	ADP
ajoaa-543	280	5	bank	bank	NOUN
ajoaa-543	280	6	officials	official	NOUN
ajoaa-543	280	7	,	,	PUNCT
ajoaa-543	280	8	the	the	DET
ajoaa-543	280	9	most	most	ADV
ajoaa-543	280	10	important	important	ADJ
ajoaa-543	280	11	tangible	tangible	ADJ
ajoaa-543	280	12	determinant	determinant	ADJ
ajoaa-543	280	13	of	of	ADP
ajoaa-543	280	14	their	their	PRON
ajoaa-543	280	15	supply	supply	NOUN
ajoaa-543	280	16	of	of	ADP
ajoaa-543	280	17	credit	credit	NOUN
ajoaa-543	280	18	to	to	ADP
ajoaa-543	280	19	farmers	farmer	NOUN
ajoaa-543	280	20	is	be	AUX
ajoaa-543	280	21	the	the	DET
ajoaa-543	280	22	ability	ability	NOUN
ajoaa-543	280	23	of	of	ADP
ajoaa-543	280	24	the	the	DET
ajoaa-543	280	25	farmers	farmer	NOUN
ajoaa-543	280	26	to	to	PART
ajoaa-543	280	27	keep	keep	VERB
ajoaa-543	280	28	active	active	ADJ
ajoaa-543	280	29	savings	saving	NOUN
ajoaa-543	280	30	accounts	account	NOUN
ajoaa-543	280	31	with	with	ADP
ajoaa-543	280	32	the	the	DET
ajoaa-543	280	33	rural	rural	ADJ
ajoaa-543	280	34	banks	bank	NOUN
ajoaa-543	280	35	.	.	PUNCT
ajoaa-543	281	1	this	this	PRON
ajoaa-543	281	2	simply	simply	ADV
ajoaa-543	281	3	means	mean	VERB
ajoaa-543	281	4	that	that	SCONJ
ajoaa-543	281	5	farmers	farmer	NOUN
ajoaa-543	281	6	who	who	PRON
ajoaa-543	281	7	do	do	AUX
ajoaa-543	281	8	not	not	PART
ajoaa-543	281	9	keep	keep	VERB
ajoaa-543	281	10	active	active	ADJ
ajoaa-543	281	11	savings	saving	NOUN
ajoaa-543	281	12	accounts	account	NOUN
ajoaa-543	281	13	are	be	AUX
ajoaa-543	281	14	shut	shut	VERB
ajoaa-543	281	15	out	out	ADP
ajoaa-543	281	16	of	of	ADP
ajoaa-543	281	17	credit	credit	NOUN
ajoaa-543	281	18	supply	supply	NOUN
ajoaa-543	281	19	.	.	PUNCT
ajoaa-543	282	1	the	the	DET
ajoaa-543	282	2	distance	distance	NOUN
ajoaa-543	282	3	from	from	ADP
ajoaa-543	282	4	the	the	DET
ajoaa-543	282	5	rural	rural	ADJ
ajoaa-543	282	6	banks	bank	NOUN
ajoaa-543	282	7	to	to	ADP
ajoaa-543	282	8	residences	residence	NOUN
ajoaa-543	282	9	of	of	ADP
ajoaa-543	282	10	farmers	farmer	NOUN
ajoaa-543	282	11	was	be	AUX
ajoaa-543	282	12	found	find	VERB
ajoaa-543	282	13	to	to	PART
ajoaa-543	282	14	have	have	VERB
ajoaa-543	282	15	a	a	DET
ajoaa-543	282	16	negative	negative	ADJ
ajoaa-543	282	17	relationship	relationship	NOUN
ajoaa-543	282	18	with	with	ADP
ajoaa-543	282	19	the	the	DET
ajoaa-543	282	20	credit	credit	NOUN
ajoaa-543	282	21	supply	supply	NOUN
ajoaa-543	282	22	to	to	ADP
ajoaa-543	282	23	farmers	farmer	NOUN
ajoaa-543	282	24	.	.	PUNCT
ajoaa-543	283	1	this	this	PRON
ajoaa-543	283	2	implies	imply	VERB
ajoaa-543	283	3	that	that	SCONJ
ajoaa-543	283	4	farmers	farmer	NOUN
ajoaa-543	283	5	who	who	PRON
ajoaa-543	283	6	live	live	VERB
ajoaa-543	283	7	further	far	ADV
ajoaa-543	283	8	away	away	ADV
ajoaa-543	283	9	from	from	ADP
ajoaa-543	283	10	the	the	DET
ajoaa-543	283	11	rural	rural	ADJ
ajoaa-543	283	12	banks	bank	NOUN
ajoaa-543	283	13	are	be	AUX
ajoaa-543	283	14	more	more	ADV
ajoaa-543	283	15	likely	likely	ADJ
ajoaa-543	283	16	to	to	PART
ajoaa-543	283	17	be	be	AUX
ajoaa-543	283	18	supplied	supply	VERB
ajoaa-543	283	19	with	with	ADP
ajoaa-543	283	20	less	less	ADJ
ajoaa-543	283	21	credit	credit	NOUN
ajoaa-543	283	22	compared	compare	VERB
ajoaa-543	283	23	to	to	ADP
ajoaa-543	283	24	those	those	PRON
ajoaa-543	283	25	who	who	PRON
ajoaa-543	283	26	live	live	VERB
ajoaa-543	283	27	closer	close	ADV
ajoaa-543	283	28	to	to	ADP
ajoaa-543	283	29	the	the	DET
ajoaa-543	283	30	banks	bank	NOUN
ajoaa-543	283	31	.	.	PUNCT
ajoaa-543	284	1	the	the	DET
ajoaa-543	284	2	type	type	NOUN
ajoaa-543	284	3	of	of	ADP
ajoaa-543	284	4	crop	crop	NOUN
ajoaa-543	284	5	cultivated	cultivate	VERB
ajoaa-543	284	6	by	by	ADP
ajoaa-543	284	7	farmers	farmer	NOUN
ajoaa-543	284	8	is	be	AUX
ajoaa-543	284	9	also	also	ADV
ajoaa-543	284	10	a	a	DET
ajoaa-543	284	11	determinant	determinant	NOUN
ajoaa-543	284	12	of	of	ADP
ajoaa-543	284	13	credit	credit	NOUN
ajoaa-543	284	14	supply	supply	NOUN
ajoaa-543	284	15	to	to	ADP
ajoaa-543	284	16	them	they	PRON
ajoaa-543	284	17	by	by	ADP
ajoaa-543	284	18	the	the	DET
ajoaa-543	284	19	rural	rural	ADJ
ajoaa-543	284	20	banks	bank	NOUN
ajoaa-543	284	21	.	.	PUNCT
ajoaa-543	285	1	it	it	PRON
ajoaa-543	285	2	means	mean	VERB
ajoaa-543	285	3	that	that	SCONJ
ajoaa-543	285	4	those	those	DET
ajoaa-543	285	5	farmers	farmer	NOUN
ajoaa-543	285	6	who	who	PRON
ajoaa-543	285	7	cultivate	cultivate	VERB
ajoaa-543	285	8	cash	cash	NOUN
ajoaa-543	285	9	crops	crop	NOUN
ajoaa-543	285	10	are	be	AUX
ajoaa-543	285	11	most	most	ADV
ajoaa-543	285	12	likely	likely	ADJ
ajoaa-543	285	13	to	to	PART
ajoaa-543	285	14	be	be	AUX
ajoaa-543	285	15	supplied	supply	VERB
ajoaa-543	285	16	with	with	ADP
ajoaa-543	285	17	credit	credit	NOUN
ajoaa-543	285	18	by	by	ADP
ajoaa-543	285	19	the	the	DET
ajoaa-543	285	20	rural	rural	ADJ
ajoaa-543	285	21	banks	bank	NOUN
ajoaa-543	285	22	than	than	ADP
ajoaa-543	285	23	those	those	PRON
ajoaa-543	285	24	who	who	PRON
ajoaa-543	285	25	cultivate	cultivate	VERB
ajoaa-543	285	26	food	food	NOUN
ajoaa-543	285	27	crops	crop	NOUN
ajoaa-543	285	28	for	for	ADP
ajoaa-543	285	29	family	family	NOUN
ajoaa-543	285	30	consumptions	consumption	NOUN
ajoaa-543	285	31	.	.	PUNCT
ajoaa-543	286	1	the	the	DET
ajoaa-543	286	2	inverse	inverse	NOUN
ajoaa-543	286	3	mills	mill	NOUN
ajoaa-543	286	4	ratio	ratio	NOUN
ajoaa-543	286	5	(	(	PUNCT
ajoaa-543	286	6	imr	imr	PROPN
ajoaa-543	286	7	)	)	PUNCT
ajoaa-543	286	8	which	which	PRON
ajoaa-543	286	9	measures	measure	VERB
ajoaa-543	286	10	selectivity	selectivity	NOUN
ajoaa-543	286	11	bias	bias	NOUN
ajoaa-543	286	12	in	in	ADP
ajoaa-543	286	13	credit	credit	NOUN
ajoaa-543	286	14	supply	supply	NOUN
ajoaa-543	286	15	by	by	ADP
ajoaa-543	286	16	the	the	DET
ajoaa-543	286	17	rural	rural	ADJ
ajoaa-543	286	18	banks	bank	NOUN
ajoaa-543	286	19	was	be	AUX
ajoaa-543	286	20	found	find	VERB
ajoaa-543	286	21	to	to	PART
ajoaa-543	286	22	be	be	AUX
ajoaa-543	286	23	significant	significant	ADJ
ajoaa-543	286	24	at	at	ADP
ajoaa-543	286	25	the	the	DET
ajoaa-543	286	26	1	1	NUM
ajoaa-543	286	27	per	per	NOUN
ajoaa-543	286	28	cent	cent	NOUN
ajoaa-543	286	29	significance	significance	NOUN
ajoaa-543	286	30	level	level	NOUN
ajoaa-543	286	31	(	(	PUNCT
ajoaa-543	286	32	table	table	NOUN
ajoaa-543	286	33	2	2	NUM
ajoaa-543	286	34	)	)	PUNCT
ajoaa-543	286	35	.	.	PUNCT
ajoaa-543	287	1	this	this	PRON
ajoaa-543	287	2	implies	imply	VERB
ajoaa-543	287	3	that	that	SCONJ
ajoaa-543	287	4	there	there	PRON
ajoaa-543	287	5	is	be	VERB
ajoaa-543	287	6	selectivity	selectivity	NOUN
ajoaa-543	287	7	bias	bias	NOUN
ajoaa-543	287	8	in	in	ADP
ajoaa-543	287	9	the	the	DET
ajoaa-543	287	10	supply	supply	NOUN
ajoaa-543	287	11	of	of	ADP
ajoaa-543	287	12	credit	credit	NOUN
ajoaa-543	287	13	to	to	ADP
ajoaa-543	287	14	farmers	farmer	NOUN
ajoaa-543	287	15	by	by	ADP
ajoaa-543	287	16	the	the	DET
ajoaa-543	287	17	rural	rural	ADJ
ajoaa-543	287	18	banks	bank	NOUN
ajoaa-543	287	19	.	.	PUNCT
ajoaa-543	288	1	this	this	PRON
ajoaa-543	288	2	means	mean	VERB
ajoaa-543	288	3	that	that	SCONJ
ajoaa-543	288	4	apart	apart	ADV
ajoaa-543	288	5	from	from	ADP
ajoaa-543	288	6	the	the	DET
ajoaa-543	288	7	determinants	determinant	NOUN
ajoaa-543	288	8	captured	capture	VERB
ajoaa-543	288	9	in	in	ADP
ajoaa-543	288	10	the	the	DET
ajoaa-543	288	11	tobit	tobit	NOUN
ajoaa-543	288	12	model	model	NOUN
ajoaa-543	288	13	,	,	PUNCT
ajoaa-543	288	14	there	there	PRON
ajoaa-543	288	15	are	be	VERB
ajoaa-543	288	16	other	other	ADJ
ajoaa-543	288	17	determinants	determinant	NOUN
ajoaa-543	288	18	that	that	PRON
ajoaa-543	288	19	the	the	DET
ajoaa-543	288	20	rural	rural	ADJ
ajoaa-543	288	21	banks	bank	NOUN
ajoaa-543	288	22	consider	consider	VERB
ajoaa-543	288	23	in	in	ADP
ajoaa-543	288	24	their	their	PRON
ajoaa-543	288	25	supply	supply	NOUN
ajoaa-543	288	26	of	of	ADP
ajoaa-543	288	27	credit	credit	NOUN
ajoaa-543	288	28	to	to	ADP
ajoaa-543	288	29	their	their	PRON
ajoaa-543	288	30	customers	customer	NOUN
ajoaa-543	288	31	that	that	PRON
ajoaa-543	288	32	were	be	AUX
ajoaa-543	288	33	not	not	PART
ajoaa-543	288	34	captured	capture	VERB
ajoaa-543	288	35	in	in	ADP
ajoaa-543	288	36	the	the	DET
ajoaa-543	288	37	model	model	NOUN
ajoaa-543	288	38	estimation	estimation	NOUN
ajoaa-543	288	39	.	.	PUNCT
ajoaa-543	289	1	for	for	ADP
ajoaa-543	289	2	instance	instance	NOUN
ajoaa-543	289	3	,	,	PUNCT
ajoaa-543	289	4	the	the	DET
ajoaa-543	289	5	criteria	criterion	NOUN
ajoaa-543	289	6	used	use	VERB
ajoaa-543	289	7	by	by	ADP
ajoaa-543	289	8	the	the	DET
ajoaa-543	289	9	rural	rural	ADJ
ajoaa-543	289	10	banks	bank	NOUN
ajoaa-543	289	11	in	in	ADP
ajoaa-543	289	12	selecting	select	VERB
ajoaa-543	289	13	people	people	NOUN
ajoaa-543	289	14	to	to	PART
ajoaa-543	289	15	form	form	VERB
ajoaa-543	289	16	the	the	DET
ajoaa-543	289	17	social	social	ADJ
ajoaa-543	289	18	groups	group	NOUN
ajoaa-543	289	19	are	be	AUX
ajoaa-543	289	20	not	not	PART
ajoaa-543	289	21	well	well	ADV
ajoaa-543	289	22	documented	document	VERB
ajoaa-543	289	23	and	and	CCONJ
ajoaa-543	289	24	hence	hence	ADV
ajoaa-543	289	25	could	could	AUX
ajoaa-543	289	26	not	not	PART
ajoaa-543	289	27	be	be	AUX
ajoaa-543	289	28	captured	capture	VERB
ajoaa-543	289	29	.	.	PUNCT
ajoaa-543	290	1	the	the	DET
ajoaa-543	290	2	fact	fact	NOUN
ajoaa-543	290	3	that	that	SCONJ
ajoaa-543	290	4	some	some	DET
ajoaa-543	290	5	factors	factor	NOUN
ajoaa-543	290	6	were	be	AUX
ajoaa-543	290	7	not	not	PART
ajoaa-543	290	8	captured	capture	VERB
ajoaa-543	290	9	in	in	ADP
ajoaa-543	290	10	the	the	DET
ajoaa-543	290	11	model	model	NOUN
ajoaa-543	290	12	is	be	AUX
ajoaa-543	290	13	further	far	ADV
ajoaa-543	290	14	supported	support	VERB
ajoaa-543	290	15	by	by	ADP
ajoaa-543	290	16	the	the	DET
ajoaa-543	290	17	fact	fact	NOUN
ajoaa-543	290	18	that	that	SCONJ
ajoaa-543	290	19	the	the	DET
ajoaa-543	290	20	constant	constant	ADJ
ajoaa-543	290	21	term	term	NOUN
ajoaa-543	290	22	is	be	AUX
ajoaa-543	290	23	found	find	VERB
ajoaa-543	290	24	to	to	PART
ajoaa-543	290	25	be	be	AUX
ajoaa-543	290	26	significant	significant	ADJ
ajoaa-543	290	27	at	at	ADP
ajoaa-543	290	28	the	the	DET
ajoaa-543	290	29	1	1	NUM
ajoaa-543	290	30	per	per	NOUN
ajoaa-543	290	31	cent	cent	NOUN
ajoaa-543	290	32	level	level	NOUN
ajoaa-543	290	33	.	.	PUNCT
ajoaa-543	291	1	some	some	PRON
ajoaa-543	291	2	of	of	ADP
ajoaa-543	291	3	such	such	ADJ
ajoaa-543	291	4	factors	factor	NOUN
ajoaa-543	291	5	which	which	PRON
ajoaa-543	291	6	are	be	AUX
ajoaa-543	291	7	difficult	difficult	ADJ
ajoaa-543	291	8	to	to	PART
ajoaa-543	291	9	measure	measure	VERB
ajoaa-543	291	10	but	but	CCONJ
ajoaa-543	291	11	determine	determine	VERB
ajoaa-543	291	12	supply	supply	NOUN
ajoaa-543	291	13	of	of	ADP
ajoaa-543	291	14	credit	credit	NOUN
ajoaa-543	291	15	to	to	ADP
ajoaa-543	291	16	farmers	farmer	NOUN
ajoaa-543	291	17	by	by	ADP
ajoaa-543	291	18	the	the	DET
ajoaa-543	291	19	rural	rural	ADJ
ajoaa-543	291	20	banks	bank	NOUN
ajoaa-543	291	21	are	be	AUX
ajoaa-543	291	22	political	political	ADJ
ajoaa-543	291	23	interference	interference	NOUN
ajoaa-543	291	24	and	and	CCONJ
ajoaa-543	291	25	interpersonal	interpersonal	ADJ
ajoaa-543	291	26	relationships	relationship	NOUN
ajoaa-543	291	27	.	.	PUNCT
ajoaa-543	292	1	this	this	PRON
ajoaa-543	292	2	is	be	AUX
ajoaa-543	292	3	because	because	SCONJ
ajoaa-543	292	4	some	some	DET
ajoaa-543	292	5	social	social	ADJ
ajoaa-543	292	6	groups	group	NOUN
ajoaa-543	292	7	are	be	AUX
ajoaa-543	292	8	formed	form	VERB
ajoaa-543	292	9	by	by	ADP
ajoaa-543	292	10	politicians	politician	NOUN
ajoaa-543	292	11	.	.	PUNCT
ajoaa-543	293	1	this	this	PRON
ajoaa-543	293	2	is	be	AUX
ajoaa-543	293	3	particularly	particularly	ADV
ajoaa-543	293	4	so	so	ADV
ajoaa-543	293	5	in	in	ADP
ajoaa-543	293	6	situations	situation	NOUN
ajoaa-543	293	7	where	where	SCONJ
ajoaa-543	293	8	poverty	poverty	NOUN
ajoaa-543	293	9	alleviation	alleviation	NOUN
ajoaa-543	293	10	funds	fund	NOUN
ajoaa-543	293	11	from	from	ADP
ajoaa-543	293	12	government	government	NOUN
ajoaa-543	293	13	through	through	ADP
ajoaa-543	293	14	the	the	DET
ajoaa-543	293	15	mmdas	mmda	NOUN
ajoaa-543	293	16	are	be	AUX
ajoaa-543	293	17	channeled	channel	VERB
ajoaa-543	293	18	through	through	ADP
ajoaa-543	293	19	financial	financial	ADJ
ajoaa-543	293	20	institutions	institution	NOUN
ajoaa-543	293	21	such	such	ADJ
ajoaa-543	293	22	as	as	ADP
ajoaa-543	293	23	the	the	DET
ajoaa-543	293	24	rural	rural	ADJ
ajoaa-543	293	25	banks	bank	NOUN
ajoaa-543	293	26	for	for	ADP
ajoaa-543	293	27	onward	onward	ADJ
ajoaa-543	293	28	disbursement	disbursement	NOUN
ajoaa-543	293	29	to	to	ADP
ajoaa-543	293	30	beneficiaries	beneficiary	NOUN
ajoaa-543	293	31	as	as	ADP
ajoaa-543	293	32	credit	credit	NOUN
ajoaa-543	293	33	.	.	PUNCT
ajoaa-543	294	1	in	in	ADP
ajoaa-543	294	2	such	such	ADJ
ajoaa-543	294	3	cases	case	NOUN
ajoaa-543	294	4	,	,	PUNCT
ajoaa-543	294	5	cohorts	cohort	NOUN
ajoaa-543	294	6	of	of	ADP
ajoaa-543	294	7	political	political	ADJ
ajoaa-543	294	8	heads	head	NOUN
ajoaa-543	294	9	are	be	AUX
ajoaa-543	294	10	put	put	VERB
ajoaa-543	294	11	into	into	ADP
ajoaa-543	294	12	social	social	ADJ
ajoaa-543	294	13	groups	group	NOUN
ajoaa-543	294	14	for	for	ADP
ajoaa-543	294	15	such	such	ADJ
ajoaa-543	294	16	credit	credit	NOUN
ajoaa-543	294	17	facilities	facility	NOUN
ajoaa-543	294	18	.	.	PUNCT
ajoaa-543	295	1	also	also	ADV
ajoaa-543	295	2	,	,	PUNCT
ajoaa-543	295	3	the	the	DET
ajoaa-543	295	4	personal	personal	ADJ
ajoaa-543	295	5	relationships	relationship	NOUN
ajoaa-543	295	6	come	come	VERB
ajoaa-543	295	7	into	into	ADP
ajoaa-543	295	8	play	play	NOUN
ajoaa-543	295	9	in	in	ADP
ajoaa-543	295	10	the	the	DET
ajoaa-543	295	11	formation	formation	NOUN
ajoaa-543	295	12	of	of	ADP
ajoaa-543	295	13	social	social	ADJ
ajoaa-543	295	14	groups	group	NOUN
ajoaa-543	295	15	by	by	ADP
ajoaa-543	295	16	the	the	DET
ajoaa-543	295	17	rural	rural	ADJ
ajoaa-543	295	18	banks	bank	NOUN
ajoaa-543	295	19	,	,	PUNCT
ajoaa-543	295	20	especially	especially	ADV
ajoaa-543	295	21	where	where	SCONJ
ajoaa-543	295	22	the	the	DET
ajoaa-543	295	23	credit	credit	NOUN
ajoaa-543	295	24	officer	officer	NOUN
ajoaa-543	295	25	is	be	AUX
ajoaa-543	295	26	a	a	DET
ajoaa-543	295	27	native	native	NOUN
ajoaa-543	295	28	.	.	PUNCT
ajoaa-543	296	1	such	such	DET
ajoaa-543	296	2	a	a	DET
ajoaa-543	296	3	credit	credit	NOUN
ajoaa-543	296	4	officer	officer	NOUN
ajoaa-543	296	5	is	be	AUX
ajoaa-543	296	6	most	most	ADV
ajoaa-543	296	7	likely	likely	ADJ
ajoaa-543	296	8	to	to	PART
ajoaa-543	296	9	select	select	VERB
ajoaa-543	296	10	people	people	NOUN
ajoaa-543	296	11	who	who	PRON
ajoaa-543	296	12	are	be	AUX
ajoaa-543	296	13	close	close	ADJ
ajoaa-543	296	14	to	to	ADP
ajoaa-543	296	15	him	he	PRON
ajoaa-543	296	16	or	or	CCONJ
ajoaa-543	296	17	her	her	PRON
ajoaa-543	296	18	thereby	thereby	ADV
ajoaa-543	296	19	introducing	introduce	VERB
ajoaa-543	296	20	selectivity	selectivity	NOUN
ajoaa-543	296	21	bias	bias	NOUN
ajoaa-543	296	22	.	.	PUNCT
ajoaa-543	297	1	political	political	ADJ
ajoaa-543	297	2	influences	influence	NOUN
ajoaa-543	297	3	come	come	VERB
ajoaa-543	297	4	to	to	PART
ajoaa-543	297	5	bare	bare	VERB
ajoaa-543	297	6	on	on	ADP
ajoaa-543	297	7	bank	bank	NOUN
ajoaa-543	297	8	officials	official	NOUN
ajoaa-543	297	9	who	who	PRON
ajoaa-543	297	10	are	be	AUX
ajoaa-543	297	11	coerced	coerce	VERB
ajoaa-543	297	12	by	by	ADP
ajoaa-543	297	13	politicians	politician	NOUN
ajoaa-543	297	14	to	to	PART
ajoaa-543	297	15	supply	supply	VERB
ajoaa-543	297	16	credit	credit	NOUN
ajoaa-543	297	17	to	to	ADP
ajoaa-543	297	18	their	their	PRON
ajoaa-543	297	19	political	political	ADJ
ajoaa-543	297	20	sympathizers	sympathizer	NOUN
ajoaa-543	297	21	thereby	thereby	ADV
ajoaa-543	297	22	introducing	introduce	VERB
ajoaa-543	297	23	selectivity	selectivity	NOUN
ajoaa-543	297	24	bias	bias	NOUN
ajoaa-543	297	25	in	in	ADP
ajoaa-543	297	26	credit	credit	NOUN
ajoaa-543	297	27	delivery	delivery	NOUN
ajoaa-543	297	28	.	.	PUNCT
ajoaa-543	298	1	asian	asian	ADJ
ajoaa-543	298	2	journal	journal	PROPN
ajoaa-543	298	3	of	of	ADP
ajoaa-543	298	4	agriculture	agriculture	NOUN
ajoaa-543	298	5	and	and	CCONJ
ajoaa-543	298	6	rural	rural	ADJ
ajoaa-543	298	7	development	development	NOUN
ajoaa-543	298	8	,	,	PUNCT
ajoaa-543	298	9	2(2	2(2	NUM
ajoaa-543	298	10	)	)	PUNCT
ajoaa-543	298	11	,	,	PUNCT
ajoaa-543	298	12	pp	pp	ADP
ajoaa-543	298	13	.	.	PUNCT
ajoaa-543	299	1	189	189	NUM
ajoaa-543	299	2	-	-	SYM
ajoaa-543	299	3	200	200	NUM
ajoaa-543	299	4	198	198	NUM
ajoaa-543	299	5	table	table	NOUN
ajoaa-543	299	6	2	2	NUM
ajoaa-543	299	7	:	:	PUNCT
ajoaa-543	299	8	tobit	tobit	NOUN
ajoaa-543	299	9	results	result	NOUN
ajoaa-543	299	10	of	of	ADP
ajoaa-543	299	11	determinants	determinant	NOUN
ajoaa-543	299	12	of	of	ADP
ajoaa-543	299	13	credit	credit	NOUN
ajoaa-543	299	14	supply	supply	NOUN
ajoaa-543	299	15	to	to	ADP
ajoaa-543	299	16	farmers	farmer	NOUN
ajoaa-543	299	17	by	by	ADP
ajoaa-543	299	18	rural	rural	ADJ
ajoaa-543	299	19	banks	bank	NOUN
ajoaa-543	299	20	dependent	dependent	ADJ
ajoaa-543	299	21	variable	variable	NOUN
ajoaa-543	299	22	:	:	PUNCT
ajoaa-543	299	23	proportion	proportion	NOUN
ajoaa-543	299	24	of	of	ADP
ajoaa-543	299	25	credit	credit	NOUN
ajoaa-543	299	26	accessed	access	VERB
ajoaa-543	299	27	(	(	PUNCT
ajoaa-543	299	28	i.e.	i.e.	X
ajoaa-543	299	29	a	a	DET
ajoaa-543	299	30	ratio	ratio	NOUN
ajoaa-543	299	31	of	of	ADP
ajoaa-543	299	32	the	the	DET
ajoaa-543	299	33	amount	amount	NOUN
ajoaa-543	299	34	of	of	ADP
ajoaa-543	299	35	credit	credit	NOUN
ajoaa-543	299	36	received	receive	VERB
ajoaa-543	299	37	to	to	ADP
ajoaa-543	299	38	the	the	DET
ajoaa-543	299	39	amount	amount	NOUN
ajoaa-543	299	40	applied	apply	VERB
ajoaa-543	299	41	for	for	ADP
ajoaa-543	299	42	by	by	ADP
ajoaa-543	299	43	farmers	farmer	NOUN
ajoaa-543	299	44	)	)	PUNCT
ajoaa-543	299	45	variable	variable	ADJ
ajoaa-543	299	46	coefficient	coefficient	NOUN
ajoaa-543	299	47	std	std	PROPN
ajoaa-543	299	48	.	.	PUNCT
ajoaa-543	300	1	err	err	PROPN
ajoaa-543	300	2	.	.	PUNCT
ajoaa-543	301	1	marginal	marginal	ADJ
ajoaa-543	301	2	effects	effect	NOUN
ajoaa-543	301	3	age	age	NOUN
ajoaa-543	301	4	-0.0099	-0.0099	VERB
ajoaa-543	301	5	0.01087	0.01087	NUM
ajoaa-543	301	6	-0.0099	-0.0099	PUNCT
ajoaa-543	301	7	age2	age2	NOUN
ajoaa-543	301	8	0.0001	0.0001	NUM
ajoaa-543	301	9	0.0001	0.0001	NUM
ajoaa-543	301	10	0.0001	0.0001	NUM
ajoaa-543	301	11	literacy	literacy	NOUN
ajoaa-543	301	12	0.0476	0.0476	NUM
ajoaa-543	301	13	0.0508	0.0508	NUM
ajoaa-543	301	14	0.0476	0.0476	NUM
ajoaa-543	301	15	savings	saving	NOUN
ajoaa-543	301	16	0.0013	0.0013	NUM
ajoaa-543	301	17	0.0005	0.0005	NUM
ajoaa-543	301	18	*	*	PUNCT
ajoaa-543	301	19	*	*	PUNCT
ajoaa-543	301	20	*	*	PUNCT
ajoaa-543	301	21	0.0013	0.0013	NUM
ajoaa-543	301	22	distance	distance	NOUN
ajoaa-543	301	23	-0.0088	-0.0088	VERB
ajoaa-543	301	24	0.0282	0.0282	NUM
ajoaa-543	301	25	-0.0088	-0.0088	NOUN
ajoaa-543	301	26	cash	cash	NOUN
ajoaa-543	301	27	crop	crop	NOUN
ajoaa-543	301	28	0.0425	0.0425	NUM
ajoaa-543	301	29	0.0508	0.0508	NUM
ajoaa-543	301	30	0.0425	0.0425	NUM
ajoaa-543	301	31	imr	imr	NOUN
ajoaa-543	301	32	-0.4245	-0.4245	PUNCT
ajoaa-543	301	33	0.0531	0.0531	NUM
ajoaa-543	301	34	*	*	PUNCT
ajoaa-543	301	35	*	*	PUNCT
ajoaa-543	301	36	*	*	PUNCT
ajoaa-543	301	37	-0.4245	-0.4245	PROPN
ajoaa-543	301	38	constant	constant	ADJ
ajoaa-543	301	39	1.0387	1.0387	NUM
ajoaa-543	301	40	0.2768	0.2768	NUM
ajoaa-543	301	41	*	*	PUNCT
ajoaa-543	301	42	*	*	PUNCT
ajoaa-543	301	43	*	*	PUNCT
ajoaa-543	301	44	goodness	goodness	NOUN
ajoaa-543	301	45	of	of	ADP
ajoaa-543	301	46	fit	fit	ADJ
ajoaa-543	301	47	measures	measure	NOUN
ajoaa-543	301	48	lr	lr	X
ajoaa-543	301	49	chi	chi	NOUN
ajoaa-543	301	50	-	-	PUNCT
ajoaa-543	301	51	square	square	ADJ
ajoaa-543	301	52	(	(	PUNCT
ajoaa-543	301	53	13	13	NUM
ajoaa-543	301	54	)	)	PUNCT
ajoaa-543	301	55	=	=	SYM
ajoaa-543	301	56	236.67	236.67	NUM
ajoaa-543	301	57	prob	prob	NOUN
ajoaa-543	301	58	>	>	X
ajoaa-543	301	59	chi	chi	ADJ
ajoaa-543	301	60	-	-	PUNCT
ajoaa-543	301	61	square	square	ADJ
ajoaa-543	301	62	=	=	SYM
ajoaa-543	301	63	0.0000	0.0000	NUM
ajoaa-543	301	64	log	log	NOUN
ajoaa-543	301	65	likelihood	likelihood	NOUN
ajoaa-543	301	66	=	=	SYM
ajoaa-543	301	67	-43.7305	-43.7305	PUNCT
ajoaa-543	301	68	pseudo	pseudo	NOUN
ajoaa-543	301	69	r2	r2	NOUN
ajoaa-543	301	70	=	=	NOUN
ajoaa-543	302	1	0.7302	0.7302	NUM
ajoaa-543	303	1	*	*	PUNCT
ajoaa-543	303	2	*	*	PUNCT
ajoaa-543	303	3	*	*	PUNCT
ajoaa-543	303	4	=	=	PUNCT
ajoaa-543	303	5	significant	significant	ADJ
ajoaa-543	303	6	at	at	ADP
ajoaa-543	303	7	1	1	NUM
ajoaa-543	303	8	%	%	NOUN
ajoaa-543	303	9	source	source	NOUN
ajoaa-543	303	10	:	:	PUNCT
ajoaa-543	303	11	field	field	NOUN
ajoaa-543	303	12	survey	survey	NOUN
ajoaa-543	303	13	data	datum	NOUN
ajoaa-543	303	14	,	,	PUNCT
ajoaa-543	303	15	2010	2010	NUM
ajoaa-543	303	16	the	the	DET
ajoaa-543	303	17	issue	issue	NOUN
ajoaa-543	303	18	of	of	ADP
ajoaa-543	303	19	political	political	ADJ
ajoaa-543	303	20	interference	interference	NOUN
ajoaa-543	303	21	came	come	VERB
ajoaa-543	303	22	out	out	ADP
ajoaa-543	303	23	strongly	strongly	ADV
ajoaa-543	303	24	during	during	ADP
ajoaa-543	303	25	discussions	discussion	NOUN
ajoaa-543	303	26	with	with	ADP
ajoaa-543	303	27	bank	bank	NOUN
ajoaa-543	303	28	officials	official	NOUN
ajoaa-543	303	29	and	and	CCONJ
ajoaa-543	303	30	farmers	farmer	NOUN
ajoaa-543	303	31	.	.	PUNCT
ajoaa-543	304	1	some	some	PRON
ajoaa-543	304	2	of	of	ADP
ajoaa-543	304	3	the	the	DET
ajoaa-543	304	4	bank	bank	NOUN
ajoaa-543	304	5	managers	manager	NOUN
ajoaa-543	304	6	interviewed	interview	VERB
ajoaa-543	304	7	lamented	lament	VERB
ajoaa-543	304	8	that	that	SCONJ
ajoaa-543	304	9	the	the	DET
ajoaa-543	304	10	political	political	ADJ
ajoaa-543	304	11	interference	interference	NOUN
ajoaa-543	304	12	was	be	AUX
ajoaa-543	304	13	worrisome	worrisome	ADJ
ajoaa-543	304	14	and	and	CCONJ
ajoaa-543	304	15	negatively	negatively	ADV
ajoaa-543	304	16	affecting	affect	VERB
ajoaa-543	304	17	supply	supply	NOUN
ajoaa-543	304	18	of	of	ADP
ajoaa-543	304	19	credit	credit	NOUN
ajoaa-543	304	20	to	to	ADP
ajoaa-543	304	21	customers	customer	NOUN
ajoaa-543	304	22	,	,	PUNCT
ajoaa-543	304	23	especially	especially	ADV
ajoaa-543	304	24	farmers	farmer	NOUN
ajoaa-543	304	25	.	.	PUNCT
ajoaa-543	305	1	according	accord	VERB
ajoaa-543	305	2	to	to	ADP
ajoaa-543	305	3	them	they	PRON
ajoaa-543	305	4	,	,	PUNCT
ajoaa-543	305	5	the	the	DET
ajoaa-543	305	6	interference	interference	NOUN
ajoaa-543	305	7	by	by	ADP
ajoaa-543	305	8	politicians	politician	NOUN
ajoaa-543	305	9	is	be	AUX
ajoaa-543	305	10	worsened	worsen	VERB
ajoaa-543	305	11	by	by	ADP
ajoaa-543	305	12	the	the	DET
ajoaa-543	305	13	fact	fact	NOUN
ajoaa-543	305	14	that	that	SCONJ
ajoaa-543	305	15	the	the	DET
ajoaa-543	305	16	district	district	NOUN
ajoaa-543	305	17	assemblies	assembly	NOUN
ajoaa-543	305	18	are	be	AUX
ajoaa-543	305	19	major	major	ADJ
ajoaa-543	305	20	shareholders	shareholder	NOUN
ajoaa-543	305	21	in	in	ADP
ajoaa-543	305	22	the	the	DET
ajoaa-543	305	23	rural	rural	ADJ
ajoaa-543	305	24	banks	bank	NOUN
ajoaa-543	305	25	.	.	PUNCT
ajoaa-543	306	1	as	as	ADP
ajoaa-543	306	2	such	such	ADJ
ajoaa-543	306	3	,	,	PUNCT
ajoaa-543	306	4	whosoever	whosoever	NOUN
ajoaa-543	306	5	is	be	AUX
ajoaa-543	306	6	appointed	appoint	VERB
ajoaa-543	306	7	to	to	PART
ajoaa-543	306	8	head	head	VERB
ajoaa-543	306	9	the	the	DET
ajoaa-543	306	10	district	district	NOUN
ajoaa-543	306	11	will	will	AUX
ajoaa-543	306	12	always	always	ADV
ajoaa-543	306	13	try	try	VERB
ajoaa-543	306	14	to	to	PART
ajoaa-543	306	15	explore	explore	VERB
ajoaa-543	306	16	the	the	DET
ajoaa-543	306	17	avenue	avenue	NOUN
ajoaa-543	306	18	of	of	ADP
ajoaa-543	306	19	credit	credit	NOUN
ajoaa-543	306	20	supply	supply	NOUN
ajoaa-543	306	21	to	to	ADP
ajoaa-543	306	22	the	the	DET
ajoaa-543	306	23	advantage	advantage	NOUN
ajoaa-543	306	24	of	of	ADP
ajoaa-543	306	25	his	his	PRON
ajoaa-543	306	26	or	or	CCONJ
ajoaa-543	306	27	her	her	PRON
ajoaa-543	306	28	political	political	ADJ
ajoaa-543	306	29	favourites	favourite	NOUN
ajoaa-543	306	30	.	.	PUNCT
ajoaa-543	307	1	from	from	ADP
ajoaa-543	307	2	the	the	DET
ajoaa-543	307	3	above	above	NOUN
ajoaa-543	307	4	,	,	PUNCT
ajoaa-543	307	5	it	it	PRON
ajoaa-543	307	6	is	be	AUX
ajoaa-543	307	7	concluded	conclude	VERB
ajoaa-543	307	8	that	that	SCONJ
ajoaa-543	307	9	the	the	DET
ajoaa-543	307	10	only	only	ADJ
ajoaa-543	307	11	measurable	measurable	ADJ
ajoaa-543	307	12	determinant	determinant	ADJ
ajoaa-543	307	13	that	that	PRON
ajoaa-543	307	14	influences	influence	VERB
ajoaa-543	307	15	credit	credit	NOUN
ajoaa-543	307	16	supply	supply	NOUN
ajoaa-543	307	17	to	to	ADP
ajoaa-543	307	18	farmers	farmer	NOUN
ajoaa-543	307	19	by	by	ADP
ajoaa-543	307	20	rural	rural	ADJ
ajoaa-543	307	21	banks	bank	NOUN
ajoaa-543	307	22	in	in	ADP
ajoaa-543	307	23	the	the	DET
ajoaa-543	307	24	upper	upper	PROPN
ajoaa-543	307	25	east	east	PROPN
ajoaa-543	307	26	region	region	NOUN
ajoaa-543	307	27	of	of	ADP
ajoaa-543	307	28	ghana	ghana	PROPN
ajoaa-543	307	29	is	be	AUX
ajoaa-543	307	30	their	their	PRON
ajoaa-543	307	31	amount	amount	NOUN
ajoaa-543	307	32	of	of	ADP
ajoaa-543	307	33	savings	saving	NOUN
ajoaa-543	307	34	.	.	PUNCT
ajoaa-543	308	1	there	there	PRON
ajoaa-543	308	2	is	be	VERB
ajoaa-543	308	3	selectivity	selectivity	NOUN
ajoaa-543	308	4	bias	bias	NOUN
ajoaa-543	308	5	in	in	ADP
ajoaa-543	308	6	the	the	DET
ajoaa-543	308	7	supply	supply	NOUN
ajoaa-543	308	8	of	of	ADP
ajoaa-543	308	9	credit	credit	NOUN
ajoaa-543	308	10	to	to	ADP
ajoaa-543	308	11	farmers	farmer	NOUN
ajoaa-543	308	12	by	by	ADP
ajoaa-543	308	13	the	the	DET
ajoaa-543	308	14	rural	rural	ADJ
ajoaa-543	308	15	banks	bank	NOUN
ajoaa-543	308	16	.	.	PUNCT
ajoaa-543	309	1	conclusion	conclusion	NOUN
ajoaa-543	309	2	and	and	CCONJ
ajoaa-543	309	3	recommendations	recommendation	NOUN
ajoaa-543	309	4	based	base	VERB
ajoaa-543	309	5	on	on	ADP
ajoaa-543	309	6	the	the	DET
ajoaa-543	309	7	findings	finding	NOUN
ajoaa-543	309	8	,	,	PUNCT
ajoaa-543	309	9	it	it	PRON
ajoaa-543	309	10	is	be	AUX
ajoaa-543	309	11	concluded	conclude	VERB
ajoaa-543	309	12	that	that	SCONJ
ajoaa-543	309	13	the	the	DET
ajoaa-543	309	14	age	age	NOUN
ajoaa-543	309	15	,	,	PUNCT
ajoaa-543	309	16	literacy	literacy	NOUN
ajoaa-543	309	17	,	,	PUNCT
ajoaa-543	309	18	type	type	NOUN
ajoaa-543	309	19	of	of	ADP
ajoaa-543	309	20	crop	crop	NOUN
ajoaa-543	309	21	grown	grow	VERB
ajoaa-543	309	22	(	(	PUNCT
ajoaa-543	309	23	cash	cash	NOUN
ajoaa-543	309	24	or	or	CCONJ
ajoaa-543	309	25	food	food	NOUN
ajoaa-543	309	26	crop	crop	NOUN
ajoaa-543	309	27	)	)	PUNCT
ajoaa-543	309	28	,	,	PUNCT
ajoaa-543	309	29	savings	saving	NOUN
ajoaa-543	309	30	with	with	ADP
ajoaa-543	309	31	rural	rural	ADJ
ajoaa-543	309	32	banks	bank	NOUN
ajoaa-543	309	33	,	,	PUNCT
ajoaa-543	309	34	farm	farm	NOUN
ajoaa-543	309	35	size	size	NOUN
ajoaa-543	309	36	,	,	PUNCT
ajoaa-543	309	37	gender	gender	NOUN
ajoaa-543	309	38	,	,	PUNCT
ajoaa-543	309	39	political	political	ADJ
ajoaa-543	309	40	affiliations	affiliation	NOUN
ajoaa-543	309	41	,	,	PUNCT
ajoaa-543	309	42	membership	membership	NOUN
ajoaa-543	309	43	of	of	ADP
ajoaa-543	309	44	economic	economic	ADJ
ajoaa-543	309	45	or	or	CCONJ
ajoaa-543	309	46	solidarity	solidarity	NOUN
ajoaa-543	309	47	groups	group	NOUN
ajoaa-543	309	48	and	and	CCONJ
ajoaa-543	309	49	the	the	DET
ajoaa-543	309	50	distance	distance	NOUN
ajoaa-543	309	51	from	from	ADP
ajoaa-543	309	52	farmers‟	farmers‟	PROPN
ajoaa-543	309	53	residence	residence	NOUN
ajoaa-543	309	54	to	to	ADP
ajoaa-543	309	55	the	the	DET
ajoaa-543	309	56	rural	rural	ADJ
ajoaa-543	309	57	banks	bank	NOUN
ajoaa-543	309	58	are	be	AUX
ajoaa-543	309	59	the	the	DET
ajoaa-543	309	60	significant	significant	ADJ
ajoaa-543	309	61	determinants	determinant	NOUN
ajoaa-543	309	62	of	of	ADP
ajoaa-543	309	63	credit	credit	NOUN
ajoaa-543	309	64	demand	demand	NOUN
ajoaa-543	309	65	by	by	ADP
ajoaa-543	309	66	farmers	farmer	NOUN
ajoaa-543	309	67	in	in	ADP
ajoaa-543	309	68	the	the	DET
ajoaa-543	309	69	upper	upper	PROPN
ajoaa-543	309	70	east	east	PROPN
ajoaa-543	309	71	region	region	NOUN
ajoaa-543	309	72	of	of	ADP
ajoaa-543	309	73	ghana	ghana	PROPN
ajoaa-543	309	74	.	.	PUNCT
ajoaa-543	310	1	savings	saving	NOUN
ajoaa-543	310	2	with	with	ADP
ajoaa-543	310	3	the	the	DET
ajoaa-543	310	4	rural	rural	ADJ
ajoaa-543	310	5	banks	bank	NOUN
ajoaa-543	310	6	is	be	AUX
ajoaa-543	310	7	the	the	DET
ajoaa-543	310	8	only	only	ADJ
ajoaa-543	310	9	tangible	tangible	ADJ
ajoaa-543	310	10	significant	significant	ADJ
ajoaa-543	310	11	determinant	determinant	NOUN
ajoaa-543	310	12	of	of	ADP
ajoaa-543	310	13	credit	credit	NOUN
ajoaa-543	310	14	supply	supply	NOUN
ajoaa-543	310	15	to	to	ADP
ajoaa-543	310	16	farmers	farmer	NOUN
ajoaa-543	310	17	by	by	ADP
ajoaa-543	310	18	rural	rural	ADJ
ajoaa-543	310	19	banks	bank	NOUN
ajoaa-543	310	20	.	.	PUNCT
ajoaa-543	311	1	there	there	PRON
ajoaa-543	311	2	is	be	VERB
ajoaa-543	311	3	also	also	ADV
ajoaa-543	311	4	selectivity	selectivity	NOUN
ajoaa-543	311	5	bias	bias	NOUN
ajoaa-543	311	6	in	in	ADP
ajoaa-543	311	7	the	the	DET
ajoaa-543	311	8	disbursement	disbursement	NOUN
ajoaa-543	311	9	of	of	ADP
ajoaa-543	311	10	credit	credit	NOUN
ajoaa-543	311	11	to	to	ADP
ajoaa-543	311	12	applicants	applicant	NOUN
ajoaa-543	311	13	by	by	ADP
ajoaa-543	311	14	the	the	DET
ajoaa-543	311	15	rural	rural	ADJ
ajoaa-543	311	16	banks	bank	NOUN
ajoaa-543	311	17	.	.	PUNCT
ajoaa-543	312	1	based	base	VERB
ajoaa-543	312	2	on	on	ADP
ajoaa-543	312	3	the	the	DET
ajoaa-543	312	4	findings	finding	NOUN
ajoaa-543	312	5	,	,	PUNCT
ajoaa-543	312	6	two	two	NUM
ajoaa-543	312	7	main	main	ADJ
ajoaa-543	312	8	recommendations	recommendation	NOUN
ajoaa-543	312	9	are	be	AUX
ajoaa-543	312	10	made	make	VERB
ajoaa-543	312	11	as	as	SCONJ
ajoaa-543	312	12	follows	follow	VERB
ajoaa-543	312	13	:	:	PUNCT
ajoaa-543	312	14	first	first	ADV
ajoaa-543	312	15	,	,	PUNCT
ajoaa-543	312	16	to	to	PART
ajoaa-543	312	17	encourage	encourage	VERB
ajoaa-543	312	18	farmers	farmer	NOUN
ajoaa-543	312	19	demand	demand	VERB
ajoaa-543	312	20	credit	credit	NOUN
ajoaa-543	312	21	from	from	ADP
ajoaa-543	312	22	the	the	DET
ajoaa-543	312	23	rural	rural	ADJ
ajoaa-543	312	24	banks	bank	NOUN
ajoaa-543	312	25	,	,	PUNCT
ajoaa-543	312	26	policies	policy	NOUN
ajoaa-543	312	27	should	should	AUX
ajoaa-543	312	28	be	be	AUX
ajoaa-543	312	29	formulated	formulate	VERB
ajoaa-543	312	30	by	by	ADP
ajoaa-543	312	31	government	government	NOUN
ajoaa-543	312	32	and	and	CCONJ
ajoaa-543	312	33	other	other	ADJ
ajoaa-543	312	34	institutions	institution	NOUN
ajoaa-543	312	35	that	that	PRON
ajoaa-543	312	36	work	work	VERB
ajoaa-543	312	37	to	to	PART
ajoaa-543	312	38	alleviate	alleviate	VERB
ajoaa-543	312	39	financial	financial	ADJ
ajoaa-543	312	40	constraints	constraint	NOUN
ajoaa-543	312	41	of	of	ADP
ajoaa-543	312	42	farmers	farmer	NOUN
ajoaa-543	312	43	to	to	PART
ajoaa-543	312	44	mitigate	mitigate	VERB
ajoaa-543	312	45	the	the	DET
ajoaa-543	312	46	effects	effect	NOUN
ajoaa-543	312	47	of	of	ADP
ajoaa-543	312	48	the	the	DET
ajoaa-543	312	49	negative	negative	ADJ
ajoaa-543	312	50	determinants	determinant	NOUN
ajoaa-543	312	51	and	and	CCONJ
ajoaa-543	312	52	enhance	enhance	VERB
ajoaa-543	312	53	the	the	DET
ajoaa-543	312	54	positive	positive	ADJ
ajoaa-543	312	55	ones	one	NOUN
ajoaa-543	312	56	.	.	PUNCT
ajoaa-543	313	1	such	such	ADJ
ajoaa-543	313	2	policies	policy	NOUN
ajoaa-543	313	3	should	should	AUX
ajoaa-543	313	4	target	target	VERB
ajoaa-543	313	5	at	at	ADP
ajoaa-543	313	6	:	:	PUNCT
ajoaa-543	313	7	i.	i.	NOUN
ajoaa-543	313	8	the	the	DET
ajoaa-543	313	9	economically	economically	ADV
ajoaa-543	313	10	active	active	ADJ
ajoaa-543	313	11	age	age	NOUN
ajoaa-543	313	12	group	group	NOUN
ajoaa-543	313	13	of	of	ADP
ajoaa-543	313	14	farmers	farmers	PROPN
ajoaa-543	313	15	ii	ii	PROPN
ajoaa-543	313	16	.	.	PUNCT
ajoaa-543	313	17	improving	improve	VERB
ajoaa-543	313	18	the	the	DET
ajoaa-543	313	19	literacy	literacy	NOUN
ajoaa-543	313	20	levels	level	NOUN
ajoaa-543	313	21	of	of	ADP
ajoaa-543	313	22	farmers	farmers	PROPN
ajoaa-543	313	23	iii	iii	PROPN
ajoaa-543	313	24	.	.	PUNCT
ajoaa-543	314	1	encouraging	encourage	VERB
ajoaa-543	314	2	farmers	farmer	NOUN
ajoaa-543	314	3	to	to	PART
ajoaa-543	314	4	cultivate	cultivate	VERB
ajoaa-543	314	5	cash	cash	NOUN
ajoaa-543	314	6	crops	crop	NOUN
ajoaa-543	314	7	iv	iv	NOUN
ajoaa-543	314	8	.	.	PUNCT
ajoaa-543	315	1	encouraging	encourage	VERB
ajoaa-543	315	2	farmers	farmer	NOUN
ajoaa-543	315	3	to	to	PART
ajoaa-543	315	4	make	make	VERB
ajoaa-543	315	5	savings	saving	NOUN
ajoaa-543	315	6	with	with	ADP
ajoaa-543	315	7	the	the	DET
ajoaa-543	315	8	rural	rural	ADJ
ajoaa-543	315	9	banks	bank	NOUN
ajoaa-543	315	10	v.	v.	ADP
ajoaa-543	315	11	increasing	increase	VERB
ajoaa-543	315	12	the	the	DET
ajoaa-543	315	13	farm	farm	NOUN
ajoaa-543	315	14	sizes	size	NOUN
ajoaa-543	315	15	of	of	ADP
ajoaa-543	315	16	farmers	farmer	NOUN
ajoaa-543	315	17	vi	vi	PROPN
ajoaa-543	315	18	.	.	PUNCT
ajoaa-543	315	19	depoliticising	depoliticise	VERB
ajoaa-543	315	20	the	the	DET
ajoaa-543	315	21	supply	supply	NOUN
ajoaa-543	315	22	of	of	ADP
ajoaa-543	315	23	credit	credit	NOUN
ajoaa-543	315	24	to	to	ADP
ajoaa-543	315	25	farmers	farmer	NOUN
ajoaa-543	315	26	by	by	ADP
ajoaa-543	315	27	rural	rural	ADJ
ajoaa-543	315	28	banks	bank	NOUN
ajoaa-543	315	29	and	and	CCONJ
ajoaa-543	315	30	vii	vii	PROPN
ajoaa-543	315	31	.	.	PUNCT
ajoaa-543	316	1	encouraging	encourage	VERB
ajoaa-543	316	2	farmers	farmer	NOUN
ajoaa-543	316	3	to	to	PART
ajoaa-543	316	4	join	join	VERB
ajoaa-543	316	5	existing	exist	VERB
ajoaa-543	316	6	or	or	CCONJ
ajoaa-543	316	7	form	form	VERB
ajoaa-543	316	8	new	new	ADJ
ajoaa-543	316	9	social	social	ADJ
ajoaa-543	316	10	groups	group	NOUN
ajoaa-543	316	11	second	second	ADJ
ajoaa-543	316	12	,	,	PUNCT
ajoaa-543	316	13	there	there	PRON
ajoaa-543	316	14	is	be	VERB
ajoaa-543	316	15	selectivity	selectivity	NOUN
ajoaa-543	316	16	bias	bias	NOUN
ajoaa-543	316	17	in	in	ADP
ajoaa-543	316	18	the	the	DET
ajoaa-543	316	19	supply	supply	NOUN
ajoaa-543	316	20	of	of	ADP
ajoaa-543	316	21	credit	credit	NOUN
ajoaa-543	316	22	to	to	ADP
ajoaa-543	316	23	farmers	farmer	NOUN
ajoaa-543	316	24	by	by	ADP
ajoaa-543	316	25	the	the	DET
ajoaa-543	316	26	rural	rural	ADJ
ajoaa-543	316	27	banks	bank	NOUN
ajoaa-543	316	28	which	which	PRON
ajoaa-543	316	29	is	be	AUX
ajoaa-543	316	30	largely	largely	ADV
ajoaa-543	316	31	caused	cause	VERB
ajoaa-543	316	32	by	by	ADP
ajoaa-543	316	33	nepotism	nepotism	NOUN
ajoaa-543	316	34	and	and	CCONJ
ajoaa-543	316	35	political	political	ADJ
ajoaa-543	316	36	inclinations	inclination	NOUN
ajoaa-543	316	37	.	.	PUNCT
ajoaa-543	317	1	it	it	PRON
ajoaa-543	317	2	is	be	AUX
ajoaa-543	317	3	therefore	therefore	ADV
ajoaa-543	317	4	recommended	recommend	VERB
ajoaa-543	317	5	that	that	DET
ajoaa-543	317	6	government	government	NOUN
ajoaa-543	317	7	,	,	PUNCT
ajoaa-543	317	8	the	the	DET
ajoaa-543	317	9	bank	bank	NOUN
ajoaa-543	317	10	of	of	ADP
ajoaa-543	317	11	ghana	ghana	PROPN
ajoaa-543	317	12	and	and	CCONJ
ajoaa-543	317	13	rural	rural	ADJ
ajoaa-543	317	14	banks	bank	NOUN
ajoaa-543	317	15	should	should	AUX
ajoaa-543	317	16	come	come	VERB
ajoaa-543	317	17	out	out	ADP
ajoaa-543	317	18	with	with	ADP
ajoaa-543	317	19	mechanisms	mechanism	NOUN
ajoaa-543	317	20	that	that	PRON
ajoaa-543	317	21	will	will	AUX
ajoaa-543	317	22	make	make	VERB
ajoaa-543	317	23	the	the	DET
ajoaa-543	317	24	supply	supply	NOUN
ajoaa-543	317	25	of	of	ADP
ajoaa-543	317	26	credit	credit	NOUN
ajoaa-543	317	27	free	free	ADJ
ajoaa-543	317	28	of	of	ADP
ajoaa-543	317	29	these	these	DET
ajoaa-543	317	30	biases	bias	NOUN
ajoaa-543	317	31	.	.	PUNCT
ajoaa-543	318	1	references	reference	NOUN
ajoaa-543	318	2	akram	akram	PROPN
ajoaa-543	318	3	,	,	PUNCT
ajoaa-543	318	4	z.	z.	PROPN
ajoaa-543	318	5	,	,	PUNCT
ajoaa-543	318	6	ajmal	ajmal	PROPN
ajoaa-543	318	7	,	,	PUNCT
ajoaa-543	318	8	s.	s.	PROPN
ajoaa-543	318	9	and	and	CCONJ
ajoaa-543	318	10	munir	munir	PROPN
ajoaa-543	318	11	,	,	PUNCT
ajoaa-543	318	12	m.	m.	NOUN
ajoaa-543	318	13	(	(	PUNCT
ajoaa-543	318	14	2008	2008	NUM
ajoaa-543	318	15	)	)	PUNCT
ajoaa-543	318	16	“	"	PUNCT
ajoaa-543	318	17	estimation	estimation	NOUN
ajoaa-543	318	18	of	of	ADP
ajoaa-543	318	19	correlation	correlation	NOUN
ajoaa-543	318	20	coefficient	coefficient	NOUN
ajoaa-543	318	21	among	among	ADP
ajoaa-543	318	22	some	some	DET
ajoaa-543	318	23	yield	yield	NOUN
ajoaa-543	318	24	parameters	parameter	NOUN
ajoaa-543	318	25	of	of	ADP
ajoaa-543	318	26	wheat	wheat	NOUN
ajoaa-543	318	27	under	under	ADP
ajoaa-543	318	28	rainfed	rainfed	ADJ
ajoaa-543	318	29	conditions	condition	NOUN
ajoaa-543	318	30	”	"	PUNCT
ajoaa-543	318	31	pakistan	pakistan	PROPN
ajoaa-543	318	32	journal	journal	NOUN
ajoaa-543	318	33	of	of	ADP
ajoaa-543	318	34	botany	botany	NOUN
ajoaa-543	318	35	,	,	PUNCT
ajoaa-543	318	36	vol	vol	NOUN
ajoaa-543	318	37	.	.	PUNCT
ajoaa-543	318	38	40(4	40(4	NUM
ajoaa-543	318	39	)	)	PUNCT
ajoaa-543	318	40	,	,	PUNCT
ajoaa-543	318	41	pp	pp	ADP
ajoaa-543	318	42	.	.	PUNCT
ajoaa-543	318	43	177781	177781	NUM
ajoaa-543	318	44	.	.	PUNCT
ajoaa-543	319	1	akudugu	akudugu	ADV
ajoaa-543	319	2	,	,	PUNCT
ajoaa-543	319	3	m.	m.	NOUN
ajoaa-543	319	4	a.	a.	PROPN
ajoaa-543	319	5	,	,	PUNCT
ajoaa-543	319	6	guo	guo	PROPN
ajoaa-543	319	7	,	,	PUNCT
ajoaa-543	319	8	e.	e.	PROPN
ajoaa-543	319	9	,	,	PUNCT
ajoaa-543	319	10	and	and	CCONJ
ajoaa-543	319	11	dadzie	dadzie	PROPN
ajoaa-543	319	12	s.	s.	PROPN
ajoaa-543	319	13	k.	k.	PROPN
ajoaa-543	319	14	(	(	PUNCT
ajoaa-543	319	15	2012	2012	NUM
ajoaa-543	319	16	)	)	PUNCT
ajoaa-543	319	17	“	"	PUNCT
ajoaa-543	319	18	adoption	adoption	NOUN
ajoaa-543	319	19	of	of	ADP
ajoaa-543	319	20	modern	modern	ADJ
ajoaa-543	319	21	agricultural	agricultural	ADJ
ajoaa-543	319	22	production	production	NOUN
ajoaa-543	319	23	technologies	technology	NOUN
ajoaa-543	319	24	by	by	ADP
ajoaa-543	319	25	farm	farm	NOUN
ajoaa-543	319	26	households	household	NOUN
ajoaa-543	319	27	in	in	ADP
ajoaa-543	319	28	ghana	ghana	PROPN
ajoaa-543	319	29	:	:	PUNCT
ajoaa-543	319	30	what	what	DET
ajoaa-543	319	31	factors	factor	NOUN
ajoaa-543	319	32	influence	influence	VERB
ajoaa-543	319	33	their	their	PRON
ajoaa-543	319	34	decisions	decision	NOUN
ajoaa-543	319	35	?	?	PUNCT
ajoaa-543	319	36	”	"	PUNCT
ajoaa-543	319	37	journal	journal	NOUN
ajoaa-543	319	38	of	of	ADP
ajoaa-543	319	39	biology	biology	NOUN
ajoaa-543	319	40	,	,	PUNCT
ajoaa-543	319	41	agriculture	agriculture	NOUN
ajoaa-543	319	42	and	and	CCONJ
ajoaa-543	319	43	healthcare	healthcare	PROPN
ajoaa-543	319	44	vol	vol	NOUN
ajoaa-543	319	45	.	.	PUNCT
ajoaa-543	319	46	2(3	2(3	NUM
ajoaa-543	319	47	)	)	PUNCT
ajoaa-543	319	48	,	,	PUNCT
ajoaa-543	319	49	pp	pp	ADJ
ajoaa-543	319	50	.	.	PUNCT
ajoaa-543	320	1	1	1	NUM
ajoaa-543	320	2	-	-	SYM
ajoaa-543	320	3	13	13	NUM
ajoaa-543	320	4	.	.	PUNCT
ajoaa-543	321	1	akudugu	akudugu	ADV
ajoaa-543	321	2	,	,	PUNCT
ajoaa-543	321	3	m.	m.	NOUN
ajoaa-543	321	4	a.	a.	PROPN
ajoaa-543	321	5	,	,	PUNCT
ajoaa-543	321	6	egyir	egyir	ADJ
ajoaa-543	321	7	,	,	PUNCT
ajoaa-543	321	8	i.	i.	PROPN
ajoaa-543	321	9	s.	s.	PROPN
ajoaa-543	321	10	and	and	CCONJ
ajoaa-543	321	11	mensah	mensah	PROPN
ajoaa-543	321	12	-	-	PUNCT
ajoaa-543	321	13	bonsu	bonsu	PROPN
ajoaa-543	321	14	,	,	PUNCT
ajoaa-543	321	15	a.	a.	NOUN
ajoaa-543	321	16	(	(	PUNCT
ajoaa-543	321	17	2009a	2009a	NUM
ajoaa-543	321	18	)	)	PUNCT
ajoaa-543	321	19	“	"	PUNCT
ajoaa-543	321	20	women	woman	NOUN
ajoaa-543	321	21	farmers‟	farmers‟	NOUN
ajoaa-543	321	22	access	access	NOUN
ajoaa-543	321	23	to	to	ADP
ajoaa-543	321	24	credit	credit	NOUN
ajoaa-543	321	25	from	from	ADP
ajoaa-543	321	26	rural	rural	ADJ
ajoaa-543	321	27	banks	bank	NOUN
ajoaa-543	321	28	in	in	ADP
ajoaa-543	321	29	ghana	ghana	PROPN
ajoaa-543	321	30	”	"	PUNCT
ajoaa-543	321	31	,	,	PUNCT
ajoaa-543	321	32	agricultural	agricultural	ADJ
ajoaa-543	321	33	finance	finance	NOUN
ajoaa-543	321	34	review	review	NOUN
ajoaa-543	321	35	,	,	PUNCT
ajoaa-543	321	36	vol	vol	NOUN
ajoaa-543	321	37	.	.	PROPN
ajoaa-543	322	1	69(3	69(3	NUM
ajoaa-543	322	2	)	)	PUNCT
ajoaa-543	322	3	,	,	PUNCT
ajoaa-543	322	4	pp	pp	ADP
ajoaa-543	322	5	28499	28499	NUM
ajoaa-543	322	6	.	.	PUNCT
ajoaa-543	323	1	asian	asian	ADJ
ajoaa-543	323	2	journal	journal	PROPN
ajoaa-543	323	3	of	of	ADP
ajoaa-543	323	4	agriculture	agriculture	NOUN
ajoaa-543	323	5	and	and	CCONJ
ajoaa-543	323	6	rural	rural	ADJ
ajoaa-543	323	7	development	development	NOUN
ajoaa-543	323	8	,	,	PUNCT
ajoaa-543	323	9	2(2	2(2	NUM
ajoaa-543	323	10	)	)	PUNCT
ajoaa-543	323	11	,	,	PUNCT
ajoaa-543	323	12	pp	pp	ADP
ajoaa-543	323	13	.	.	PUNCT
ajoaa-543	324	1	189	189	NUM
ajoaa-543	324	2	-	-	SYM
ajoaa-543	324	3	200	200	NUM
ajoaa-543	324	4	199	199	NUM
ajoaa-543	324	5	akudugu	akudugu	ADV
ajoaa-543	324	6	,	,	PUNCT
ajoaa-543	324	7	m.	m.	NOUN
ajoaa-543	324	8	a.	a.	PROPN
ajoaa-543	324	9	,	,	PUNCT
ajoaa-543	324	10	egyir	egyir	ADJ
ajoaa-543	324	11	,	,	PUNCT
ajoaa-543	324	12	i.	i.	PROPN
ajoaa-543	324	13	s.	s.	PROPN
ajoaa-543	324	14	and	and	CCONJ
ajoaa-543	324	15	mensah	mensah	PROPN
ajoaa-543	324	16	-	-	PUNCT
ajoaa-543	324	17	bonsu	bonsu	PROPN
ajoaa-543	324	18	,	,	PUNCT
ajoaa-543	324	19	a.	a.	NOUN
ajoaa-543	324	20	(	(	PUNCT
ajoaa-543	324	21	2009b	2009b	NUM
ajoaa-543	324	22	)	)	PUNCT
ajoaa-543	324	23	“	"	PUNCT
ajoaa-543	324	24	access	access	NOUN
ajoaa-543	324	25	to	to	ADP
ajoaa-543	324	26	rural	rural	ADJ
ajoaa-543	324	27	bank	bank	NOUN
ajoaa-543	324	28	in	in	ADP
ajoaa-543	324	29	ghana	ghana	PROPN
ajoaa-543	324	30	:	:	PUNCT
ajoaa-543	324	31	the	the	DET
ajoaa-543	324	32	case	case	NOUN
ajoaa-543	324	33	of	of	ADP
ajoaa-543	324	34	women	woman	NOUN
ajoaa-543	324	35	farmers	farmer	NOUN
ajoaa-543	324	36	in	in	ADP
ajoaa-543	324	37	the	the	DET
ajoaa-543	324	38	upper	upper	PROPN
ajoaa-543	324	39	east	east	PROPN
ajoaa-543	324	40	region	region	PROPN
ajoaa-543	324	41	”	"	PUNCT
ajoaa-543	324	42	,	,	PUNCT
ajoaa-543	324	43	ghana	ghana	PROPN
ajoaa-543	324	44	journal	journal	PROPN
ajoaa-543	324	45	of	of	ADP
ajoaa-543	324	46	development	development	NOUN
ajoaa-543	324	47	studies	study	NOUN
ajoaa-543	324	48	,	,	PUNCT
ajoaa-543	324	49	vol	vol	NOUN
ajoaa-543	324	50	.	.	PUNCT
ajoaa-543	324	51	6(2	6(2	NUM
ajoaa-543	324	52	)	)	PUNCT
ajoaa-543	324	53	,	,	PUNCT
ajoaa-543	324	54	university	university	NOUN
ajoaa-543	324	55	for	for	ADP
ajoaa-543	324	56	development	development	NOUN
ajoaa-543	324	57	studies	study	NOUN
ajoaa-543	324	58	,	,	PUNCT
ajoaa-543	324	59	ghana	ghana	PROPN
ajoaa-543	324	60	,	,	PUNCT
ajoaa-543	324	61	pp	pp	ADP
ajoaa-543	324	62	142	142	NUM
ajoaa-543	324	63	-	-	SYM
ajoaa-543	324	64	67	67	NUM
ajoaa-543	324	65	.	.	PUNCT
ajoaa-543	325	1	akudugu	akudugu	ADV
ajoaa-543	325	2	,	,	PUNCT
ajoaa-543	325	3	a.	a.	NOUN
ajoaa-543	325	4	m.	m.	NOUN
ajoaa-543	325	5	and	and	CCONJ
ajoaa-543	325	6	gbene	gbene	NOUN
ajoaa-543	325	7	,	,	PUNCT
ajoaa-543	325	8	i.	i.	NOUN
ajoaa-543	325	9	(	(	PUNCT
ajoaa-543	325	10	2005	2005	NUM
ajoaa-543	325	11	)	)	PUNCT
ajoaa-543	325	12	“	"	PUNCT
ajoaa-543	325	13	availability	availability	NOUN
ajoaa-543	325	14	,	,	PUNCT
ajoaa-543	325	15	access	access	NOUN
ajoaa-543	325	16	to	to	ADP
ajoaa-543	325	17	and	and	CCONJ
ajoaa-543	325	18	effect	effect	NOUN
ajoaa-543	325	19	of	of	ADP
ajoaa-543	325	20	bessfa	bessfa	ADJ
ajoaa-543	325	21	microcredit	microcredit	NOUN
ajoaa-543	325	22	scheme	scheme	NOUN
ajoaa-543	325	23	on	on	ADP
ajoaa-543	325	24	food	food	NOUN
ajoaa-543	325	25	security	security	NOUN
ajoaa-543	325	26	of	of	ADP
ajoaa-543	325	27	beneficiary	beneficiary	NOUN
ajoaa-543	325	28	households	household	NOUN
ajoaa-543	325	29	”	"	PUNCT
ajoaa-543	325	30	,	,	PUNCT
ajoaa-543	325	31	a	a	DET
ajoaa-543	325	32	b.sc	b.sc	PROPN
ajoaa-543	325	33	.	.	PROPN
ajoaa-543	325	34	dissertation	dissertation	NOUN
ajoaa-543	325	35	,	,	PUNCT
ajoaa-543	325	36	university	university	NOUN
ajoaa-543	325	37	for	for	ADP
ajoaa-543	325	38	development	development	NOUN
ajoaa-543	325	39	studies	study	NOUN
ajoaa-543	325	40	(	(	PUNCT
ajoaa-543	325	41	unpublished	unpublished	ADJ
ajoaa-543	325	42	)	)	PUNCT
ajoaa-543	325	43	,	,	PUNCT
ajoaa-543	325	44	pp	pp	ADP
ajoaa-543	325	45	1	1	NUM
ajoaa-543	325	46	60	60	NUM
ajoaa-543	325	47	.	.	PUNCT
ajoaa-543	326	1	amemiya	amemiya	NOUN
ajoaa-543	326	2	,	,	PUNCT
ajoaa-543	326	3	t.	t.	PROPN
ajoaa-543	326	4	(	(	PUNCT
ajoaa-543	326	5	1981	1981	NUM
ajoaa-543	326	6	)	)	PUNCT
ajoaa-543	326	7	“	"	PUNCT
ajoaa-543	326	8	quantitative	quantitative	ADJ
ajoaa-543	326	9	response	response	NOUN
ajoaa-543	326	10	models	model	NOUN
ajoaa-543	326	11	”	"	PUNCT
ajoaa-543	326	12	,	,	PUNCT
ajoaa-543	326	13	journal	journal	NOUN
ajoaa-543	326	14	of	of	ADP
ajoaa-543	326	15	econometrics	econometric	NOUN
ajoaa-543	326	16	,	,	PUNCT
ajoaa-543	326	17	vol	vol	NOUN
ajoaa-543	326	18	.	.	PROPN
ajoaa-543	326	19	24	24	NUM
ajoaa-543	326	20	,	,	PUNCT
ajoaa-543	326	21	pp	pp	ADJ
ajoaa-543	326	22	.	.	PUNCT
ajoaa-543	327	1	3	3	NUM
ajoaa-543	327	2	-	-	SYM
ajoaa-543	327	3	6	6	NUM
ajoaa-543	327	4	.	.	PUNCT
ajoaa-543	328	1	armendariz	armendariz	PROPN
ajoaa-543	328	2	,	,	PUNCT
ajoaa-543	328	3	b.	b.	PROPN
ajoaa-543	328	4	a	a	PROPN
ajoaa-543	328	5	and	and	CCONJ
ajoaa-543	328	6	morduch	morduch	ADJ
ajoaa-543	328	7	,	,	PUNCT
ajoaa-543	328	8	j.	j.	PROPN
ajoaa-543	328	9	(	(	PUNCT
ajoaa-543	328	10	2005	2005	NUM
ajoaa-543	328	11	)	)	PUNCT
ajoaa-543	328	12	“	"	PUNCT
ajoaa-543	328	13	the	the	DET
ajoaa-543	328	14	economics	economic	NOUN
ajoaa-543	328	15	of	of	ADP
ajoaa-543	328	16	microfinance	microfinance	NOUN
ajoaa-543	328	17	”	"	PUNCT
ajoaa-543	328	18	,	,	PUNCT
ajoaa-543	328	19	massachusetts	massachusetts	PROPN
ajoaa-543	328	20	institute	institute	PROPN
ajoaa-543	328	21	of	of	ADP
ajoaa-543	328	22	technology	technology	PROPN
ajoaa-543	328	23	press	press	NOUN
ajoaa-543	328	24	,	,	PUNCT
ajoaa-543	328	25	pp	pp	ADJ
ajoaa-543	328	26	.	.	PUNCT
ajoaa-543	329	1	25–30	25–30	NUM
ajoaa-543	329	2	.	.	PUNCT
ajoaa-543	330	1	asiseh	asiseh	PROPN
ajoaa-543	330	2	v.	v.	PROPN
ajoaa-543	330	3	(	(	PUNCT
ajoaa-543	330	4	2000	2000	NUM
ajoaa-543	330	5	)	)	PUNCT
ajoaa-543	330	6	“	"	PUNCT
ajoaa-543	330	7	ghana	ghana	PROPN
ajoaa-543	330	8	,	,	PUNCT
ajoaa-543	330	9	we	we	PRON
ajoaa-543	330	10	mean	mean	VERB
ajoaa-543	330	11	business	business	NOUN
ajoaa-543	330	12	,	,	PUNCT
ajoaa-543	330	13	investment	investment	NOUN
ajoaa-543	330	14	profiles	profile	NOUN
ajoaa-543	330	15	of	of	ADP
ajoaa-543	330	16	ghana‟s	ghana‟s	NOUN
ajoaa-543	330	17	110	110	NUM
ajoaa-543	330	18	districts	district	NOUN
ajoaa-543	330	19	”	"	PUNCT
ajoaa-543	330	20	,	,	PUNCT
ajoaa-543	330	21	2	2	NUM
ajoaa-543	330	22	nd	nd	NOUN
ajoaa-543	330	23	edition	edition	NOUN
ajoaa-543	330	24	,	,	PUNCT
ajoaa-543	330	25	government	government	NOUN
ajoaa-543	330	26	of	of	ADP
ajoaa-543	330	27	ghana	ghana	PROPN
ajoaa-543	330	28	,	,	PUNCT
ajoaa-543	330	29	pp	pp	ADP
ajoaa-543	330	30	.	.	PUNCT
ajoaa-543	331	1	352	352	NUM
ajoaa-543	331	2	-	-	SYM
ajoaa-543	331	3	66	66	NUM
ajoaa-543	331	4	.	.	PUNCT
ajoaa-543	332	1	arvai	arvai	VERB
ajoaa-543	332	2	,	,	PUNCT
ajoaa-543	332	3	z.	z.	PROPN
ajoaa-543	332	4	and	and	CCONJ
ajoaa-543	332	5	toth	toth	PROPN
ajoaa-543	332	6	,	,	PUNCT
ajoaa-543	332	7	i.	i.	PROPN
ajoaa-543	332	8	j.	j.	PROPN
ajoaa-543	332	9	(	(	PUNCT
ajoaa-543	332	10	2001	2001	NUM
ajoaa-543	332	11	)	)	PUNCT
ajoaa-543	332	12	“	"	PUNCT
ajoaa-543	332	13	liquidity	liquidity	NOUN
ajoaa-543	332	14	constraints	constraint	NOUN
ajoaa-543	332	15	and	and	CCONJ
ajoaa-543	332	16	consumer	consumer	NOUN
ajoaa-543	332	17	impatience	impatience	NOUN
ajoaa-543	332	18	”	"	PUNCT
ajoaa-543	332	19	,	,	PUNCT
ajoaa-543	332	20	national	national	PROPN
ajoaa-543	332	21	bank	bank	PROPN
ajoaa-543	332	22	of	of	ADP
ajoaa-543	332	23	hungary	hungary	PROPN
ajoaa-543	332	24	,	,	PUNCT
ajoaa-543	332	25	working	work	VERB
ajoaa-543	332	26	paper	paper	NOUN
ajoaa-543	332	27	2001/2	2001/2	NOUN
ajoaa-543	332	28	.	.	PUNCT
ajoaa-543	333	1	awudu	awudu	PROPN
ajoaa-543	333	2	,	,	PUNCT
ajoaa-543	333	3	a.	a.	NOUN
ajoaa-543	333	4	and	and	CCONJ
ajoaa-543	333	5	richard	richard	PROPN
ajoaa-543	333	6	,	,	PUNCT
ajoaa-543	333	7	e.	e.	PROPN
ajoaa-543	333	8	(	(	PUNCT
ajoaa-543	333	9	2001	2001	NUM
ajoaa-543	333	10	)	)	PUNCT
ajoaa-543	333	11	“	"	PUNCT
ajoaa-543	333	12	technical	technical	ADJ
ajoaa-543	333	13	efficiency	efficiency	NOUN
ajoaa-543	333	14	during	during	ADP
ajoaa-543	333	15	economic	economic	ADJ
ajoaa-543	333	16	reform	reform	NOUN
ajoaa-543	333	17	in	in	ADP
ajoaa-543	333	18	nicaragua	nicaragua	PROPN
ajoaa-543	333	19	:	:	PUNCT
ajoaa-543	333	20	evidence	evidence	NOUN
ajoaa-543	333	21	from	from	ADP
ajoaa-543	333	22	farm	farm	NOUN
ajoaa-543	333	23	household	household	NOUN
ajoaa-543	333	24	survey	survey	NOUN
ajoaa-543	333	25	data	datum	NOUN
ajoaa-543	333	26	”	"	PUNCT
ajoaa-543	333	27	,	,	PUNCT
ajoaa-543	333	28	economic	economic	ADJ
ajoaa-543	333	29	systems	system	NOUN
ajoaa-543	333	30	,	,	PUNCT
ajoaa-543	333	31	number	number	NOUN
ajoaa-543	333	32	25	25	NUM
ajoaa-543	333	33	,	,	PUNCT
ajoaa-543	333	34	pp	pp	ADJ
ajoaa-543	333	35	.	.	PUNCT
ajoaa-543	334	1	113	113	NUM
ajoaa-543	334	2	-	-	SYM
ajoaa-543	334	3	25	25	NUM
ajoaa-543	334	4	.	.	PUNCT
ajoaa-543	335	1	ayamga	ayamga	PROPN
ajoaa-543	335	2	,	,	PUNCT
ajoaa-543	335	3	m.	m.	NOUN
ajoaa-543	335	4	,	,	PUNCT
ajoaa-543	335	5	sarpong	sarpong	PROPN
ajoaa-543	335	6	,	,	PUNCT
ajoaa-543	335	7	d.	d.	PROPN
ajoaa-543	335	8	b.	b.	PROPN
ajoaa-543	335	9	and	and	CCONJ
ajoaa-543	335	10	asuming	asuming	PROPN
ajoaa-543	335	11	-	-	PUNCT
ajoaa-543	335	12	brempong	brempong	NOUN
ajoaa-543	335	13	,	,	PUNCT
ajoaa-543	335	14	s.	s.	PROPN
ajoaa-543	335	15	(	(	PUNCT
ajoaa-543	335	16	2006	2006	NUM
ajoaa-543	335	17	)	)	PUNCT
ajoaa-543	335	18	“	"	PUNCT
ajoaa-543	335	19	factors	factor	NOUN
ajoaa-543	335	20	influencing	influence	VERB
ajoaa-543	335	21	the	the	DET
ajoaa-543	335	22	decision	decision	NOUN
ajoaa-543	335	23	to	to	PART
ajoaa-543	335	24	participate	participate	VERB
ajoaa-543	335	25	in	in	ADP
ajoaa-543	335	26	microcredit	microcredit	NOUN
ajoaa-543	335	27	programmes	programme	NOUN
ajoaa-543	335	28	:	:	PUNCT
ajoaa-543	335	29	an	an	DET
ajoaa-543	335	30	illustration	illustration	NOUN
ajoaa-543	335	31	for	for	ADP
ajoaa-543	335	32	northern	northern	ADJ
ajoaa-543	335	33	ghana	ghana	PROPN
ajoaa-543	335	34	”	"	PUNCT
ajoaa-543	335	35	,	,	PUNCT
ajoaa-543	335	36	ghana	ghana	PROPN
ajoaa-543	335	37	journal	journal	PROPN
ajoaa-543	335	38	of	of	ADP
ajoaa-543	335	39	development	development	NOUN
ajoaa-543	335	40	studies	study	NOUN
ajoaa-543	335	41	,	,	PUNCT
ajoaa-543	335	42	vol	vol	NOUN
ajoaa-543	335	43	.	.	PUNCT
ajoaa-543	335	44	3(2	3(2	NUM
ajoaa-543	335	45	)	)	PUNCT
ajoaa-543	335	46	,	,	PUNCT
ajoaa-543	335	47	university	university	NOUN
ajoaa-543	335	48	for	for	ADP
ajoaa-543	335	49	development	development	NOUN
ajoaa-543	335	50	studies	study	NOUN
ajoaa-543	335	51	,	,	PUNCT
ajoaa-543	335	52	ghana	ghana	PROPN
ajoaa-543	335	53	,	,	PUNCT
ajoaa-543	335	54	pp	pp	ADJ
ajoaa-543	335	55	.	.	PUNCT
ajoaa-543	336	1	57	57	NUM
ajoaa-543	336	2	–	–	SYM
ajoaa-543	336	3	65	65	NUM
ajoaa-543	336	4	.	.	PUNCT
ajoaa-543	337	1	baidu	baidu	NOUN
ajoaa-543	337	2	-	-	PUNCT
ajoaa-543	337	3	forson	forson	PROPN
ajoaa-543	337	4	,	,	PUNCT
ajoaa-543	337	5	j.	j.	PROPN
ajoaa-543	337	6	(	(	PUNCT
ajoaa-543	337	7	1999	1999	NUM
ajoaa-543	337	8	)	)	PUNCT
ajoaa-543	337	9	“	"	PUNCT
ajoaa-543	337	10	factors	factor	NOUN
ajoaa-543	337	11	influencing	influence	VERB
ajoaa-543	337	12	adoption	adoption	NOUN
ajoaa-543	337	13	of	of	ADP
ajoaa-543	337	14	land	land	NOUN
ajoaa-543	337	15	-	-	PUNCT
ajoaa-543	337	16	enhancing	enhance	VERB
ajoaa-543	337	17	technology	technology	NOUN
ajoaa-543	337	18	in	in	ADP
ajoaa-543	337	19	the	the	DET
ajoaa-543	337	20	sahel	sahel	PROPN
ajoaa-543	337	21	:	:	PUNCT
ajoaa-543	337	22	lessons	lesson	NOUN
ajoaa-543	337	23	from	from	ADP
ajoaa-543	337	24	a	a	DET
ajoaa-543	337	25	case	case	NOUN
ajoaa-543	337	26	study	study	NOUN
ajoaa-543	337	27	in	in	ADP
ajoaa-543	337	28	niger	niger	NOUN
ajoaa-543	337	29	”	"	PUNCT
ajoaa-543	337	30	,	,	PUNCT
ajoaa-543	337	31	united	united	PROPN
ajoaa-543	337	32	nations	nations	PROPN
ajoaa-543	337	33	university	university	PROPN
ajoaa-543	337	34	,	,	PUNCT
ajoaa-543	337	35	institute	institute	NOUN
ajoaa-543	337	36	of	of	ADP
ajoaa-543	337	37	natural	natural	ADJ
ajoaa-543	337	38	resources	resource	NOUN
ajoaa-543	337	39	in	in	ADP
ajoaa-543	337	40	africa	africa	PROPN
ajoaa-543	337	41	,	,	PUNCT
ajoaa-543	337	42	university	university	PROPN
ajoaa-543	337	43	of	of	ADP
ajoaa-543	337	44	ghana	ghana	PROPN
ajoaa-543	337	45	,	,	PUNCT
ajoaa-543	337	46	legon	legon	PROPN
ajoaa-543	337	47	.	.	PUNCT
ajoaa-543	338	1	benerjee	benerjee	PROPN
ajoaa-543	338	2	,	,	PUNCT
ajoaa-543	338	3	a.	a.	NOUN
ajoaa-543	338	4	(	(	PUNCT
ajoaa-543	338	5	2001	2001	NUM
ajoaa-543	338	6	)	)	PUNCT
ajoaa-543	338	7	“	"	PUNCT
ajoaa-543	338	8	contracting	contracting	NOUN
ajoaa-543	338	9	constraints	constraint	NOUN
ajoaa-543	338	10	,	,	PUNCT
ajoaa-543	338	11	credit	credit	NOUN
ajoaa-543	338	12	markets	market	NOUN
ajoaa-543	338	13	and	and	CCONJ
ajoaa-543	338	14	economic	economic	ADJ
ajoaa-543	338	15	development	development	NOUN
ajoaa-543	338	16	”	"	PUNCT
ajoaa-543	338	17	,	,	PUNCT
ajoaa-543	338	18	massachusetts	massachusetts	PROPN
ajoaa-543	338	19	institute	institute	PROPN
ajoaa-543	338	20	of	of	ADP
ajoaa-543	338	21	technology	technology	PROPN
ajoaa-543	338	22	,	,	PUNCT
ajoaa-543	338	23	department	department	NOUN
ajoaa-543	338	24	of	of	ADP
ajoaa-543	338	25	economics	economic	NOUN
ajoaa-543	338	26	,	,	PUNCT
ajoaa-543	338	27	working	work	VERB
ajoaa-543	338	28	paper	paper	NOUN
ajoaa-543	338	29	series	series	NOUN
ajoaa-543	338	30	,	,	PUNCT
ajoaa-543	338	31	02	02	NUM
ajoaa-543	338	32	–	–	SYM
ajoaa-543	338	33	17	17	NUM
ajoaa-543	338	34	.	.	PUNCT
ajoaa-543	339	1	benito	benito	PROPN
ajoaa-543	339	2	,	,	PUNCT
ajoaa-543	339	3	a.	a.	NOUN
ajoaa-543	339	4	and	and	CCONJ
ajoaa-543	339	5	mumtaz	mumtaz	PROPN
ajoaa-543	339	6	,	,	PUNCT
ajoaa-543	339	7	h.	h.	PROPN
ajoaa-543	339	8	(	(	PUNCT
ajoaa-543	339	9	2006	2006	NUM
ajoaa-543	339	10	)	)	PUNCT
ajoaa-543	339	11	“	"	PUNCT
ajoaa-543	339	12	consumption	consumption	NOUN
ajoaa-543	339	13	excess	excess	ADJ
ajoaa-543	339	14	sensitivity	sensitivity	NOUN
ajoaa-543	339	15	,	,	PUNCT
ajoaa-543	339	16	liquidity	liquidity	NOUN
ajoaa-543	339	17	constraints	constraint	NOUN
ajoaa-543	339	18	,	,	PUNCT
ajoaa-543	339	19	and	and	CCONJ
ajoaa-543	339	20	the	the	DET
ajoaa-543	339	21	collateral	collateral	ADJ
ajoaa-543	339	22	role	role	NOUN
ajoaa-543	339	23	of	of	ADP
ajoaa-543	339	24	housing	housing	NOUN
ajoaa-543	339	25	”	"	PUNCT
ajoaa-543	339	26	bank	bank	PROPN
ajoaa-543	339	27	of	of	ADP
ajoaa-543	339	28	england	england	PROPN
ajoaa-543	339	29	working	working	PROPN
ajoaa-543	339	30	paper	paper	NOUN
ajoaa-543	339	31	,	,	PUNCT
ajoaa-543	339	32	number	number	NOUN
ajoaa-543	339	33	306	306	NUM
ajoaa-543	339	34	.	.	PUNCT
ajoaa-543	340	1	business	business	NOUN
ajoaa-543	340	2	week	week	NOUN
ajoaa-543	340	3	(	(	PUNCT
ajoaa-543	340	4	2005	2005	NUM
ajoaa-543	340	5	)	)	PUNCT
ajoaa-543	340	6	“	"	PUNCT
ajoaa-543	340	7	micro	micro	ADJ
ajoaa-543	340	8	loans	loan	NOUN
ajoaa-543	340	9	,	,	PUNCT
ajoaa-543	340	10	solid	solid	ADJ
ajoaa-543	340	11	returns	return	NOUN
ajoaa-543	340	12	:	:	PUNCT
ajoaa-543	340	13	microfinance	microfinance	NOUN
ajoaa-543	340	14	funds	fund	NOUN
ajoaa-543	340	15	lift	lift	VERB
ajoaa-543	340	16	poor	poor	ADJ
ajoaa-543	340	17	entrepreneurs	entrepreneur	NOUN
ajoaa-543	340	18	and	and	CCONJ
ajoaa-543	340	19	benefit	benefit	NOUN
ajoaa-543	340	20	investors	investor	NOUN
ajoaa-543	340	21	”	"	PUNCT
ajoaa-543	340	22	,	,	PUNCT
ajoaa-543	340	23	may	may	AUX
ajoaa-543	340	24	9	9	NUM
ajoaa-543	340	25	.	.	PUNCT
ajoaa-543	341	1	cameron	cameron	PROPN
ajoaa-543	341	2	,	,	PUNCT
ajoaa-543	341	3	c.	c.	PROPN
ajoaa-543	341	4	a.	a.	PROPN
ajoaa-543	341	5	and	and	CCONJ
ajoaa-543	341	6	trivedi	trivedi	PROPN
ajoaa-543	341	7	,	,	PUNCT
ajoaa-543	341	8	p.	p.	PROPN
ajoaa-543	341	9	k.	k.	PROPN
ajoaa-543	341	10	(	(	PUNCT
ajoaa-543	341	11	2005	2005	NUM
ajoaa-543	341	12	)	)	PUNCT
ajoaa-543	341	13	“	"	PUNCT
ajoaa-543	341	14	microeconometrics	microeconometric	NOUN
ajoaa-543	341	15	:	:	PUNCT
ajoaa-543	341	16	methods	method	NOUN
ajoaa-543	341	17	and	and	CCONJ
ajoaa-543	341	18	applications	application	NOUN
ajoaa-543	341	19	”	"	PUNCT
ajoaa-543	341	20	,	,	PUNCT
ajoaa-543	341	21	cambridge	cambridge	PROPN
ajoaa-543	341	22	university	university	PROPN
ajoaa-543	341	23	press	press	NOUN
ajoaa-543	341	24	,	,	PUNCT
ajoaa-543	341	25	new	new	ADJ
ajoaa-543	341	26	delhi	delhi	PROPN
ajoaa-543	341	27	110	110	NUM
ajoaa-543	341	28	002	002	NUM
ajoaa-543	341	29	,	,	PUNCT
ajoaa-543	341	30	india	india	PROPN
ajoaa-543	341	31	.	.	PUNCT
ajoaa-543	342	1	pp	pp	ADJ
ajoaa-543	342	2	.	.	PUNCT
ajoaa-543	343	1	463	463	NUM
ajoaa-543	343	2	–	–	PUNCT
ajoaa-543	343	3	569	569	NUM
ajoaa-543	343	4	.	.	PUNCT
ajoaa-543	344	1	carter	carter	PROPN
ajoaa-543	344	2	,	,	PUNCT
ajoaa-543	344	3	m.	m.	NOUN
ajoaa-543	344	4	,	,	PUNCT
ajoaa-543	344	5	and	and	CCONJ
ajoaa-543	344	6	olinto	olinto	ADP
ajoaa-543	344	7	.	.	PUNCT
ajoaa-543	345	1	p.	p.	NOUN
ajoaa-543	345	2	(	(	PUNCT
ajoaa-543	345	3	2003	2003	NUM
ajoaa-543	345	4	)	)	PUNCT
ajoaa-543	345	5	“	"	PUNCT
ajoaa-543	345	6	getting	get	VERB
ajoaa-543	345	7	institutions	institution	NOUN
ajoaa-543	345	8	right	right	ADJ
ajoaa-543	345	9	for	for	ADP
ajoaa-543	345	10	whom	whom	PRON
ajoaa-543	345	11	?	?	PUNCT
ajoaa-543	346	1	credit	credit	NOUN
ajoaa-543	346	2	constraints	constraint	NOUN
ajoaa-543	346	3	and	and	CCONJ
ajoaa-543	346	4	the	the	DET
ajoaa-543	346	5	impact	impact	NOUN
ajoaa-543	346	6	of	of	ADP
ajoaa-543	346	7	property	property	NOUN
ajoaa-543	346	8	rights	right	NOUN
ajoaa-543	346	9	on	on	ADP
ajoaa-543	346	10	the	the	DET
ajoaa-543	346	11	quantity	quantity	NOUN
ajoaa-543	346	12	and	and	CCONJ
ajoaa-543	346	13	composition	composition	NOUN
ajoaa-543	346	14	of	of	ADP
ajoaa-543	346	15	investment	investment	NOUN
ajoaa-543	346	16	”	"	PUNCT
ajoaa-543	346	17	,	,	PUNCT
ajoaa-543	346	18	american	american	ADJ
ajoaa-543	346	19	journal	journal	NOUN
ajoaa-543	346	20	of	of	ADP
ajoaa-543	346	21	agricultural	agricultural	ADJ
ajoaa-543	346	22	economics	economic	NOUN
ajoaa-543	346	23	,	,	PUNCT
ajoaa-543	346	24	vol	vol	NOUN
ajoaa-543	346	25	.	.	PUNCT
ajoaa-543	346	26	85(1	85(1	NOUN
ajoaa-543	346	27	)	)	PUNCT
ajoaa-543	346	28	,	,	PUNCT
ajoaa-543	346	29	pp	pp	ADP
ajoaa-543	346	30	.	.	PUNCT
ajoaa-543	347	1	173	173	NUM
ajoaa-543	347	2	-	-	SYM
ajoaa-543	347	3	86	86	NUM
ajoaa-543	347	4	.	.	PUNCT
ajoaa-543	348	1	crook	crook	NOUN
ajoaa-543	348	2	,	,	PUNCT
ajoaa-543	348	3	j.	j.	PROPN
ajoaa-543	348	4	(	(	PUNCT
ajoaa-543	348	5	2001	2001	NUM
ajoaa-543	348	6	)	)	PUNCT
ajoaa-543	348	7	“	"	PUNCT
ajoaa-543	348	8	the	the	DET
ajoaa-543	348	9	demand	demand	NOUN
ajoaa-543	348	10	for	for	ADP
ajoaa-543	348	11	household	household	NOUN
ajoaa-543	348	12	debt	debt	NOUN
ajoaa-543	348	13	in	in	ADP
ajoaa-543	348	14	the	the	DET
ajoaa-543	348	15	usa	usa	NOUN
ajoaa-543	348	16	:	:	PUNCT
ajoaa-543	348	17	evidence	evidence	NOUN
ajoaa-543	348	18	from	from	ADP
ajoaa-543	348	19	1995	1995	NUM
ajoaa-543	348	20	survey	survey	NOUN
ajoaa-543	348	21	of	of	ADP
ajoaa-543	348	22	consumer	consumer	NOUN
ajoaa-543	348	23	finance	finance	NOUN
ajoaa-543	348	24	,	,	PUNCT
ajoaa-543	348	25	”	"	PUNCT
ajoaa-543	348	26	applied	apply	VERB
ajoaa-543	348	27	financial	financial	ADJ
ajoaa-543	348	28	economics	economic	NOUN
ajoaa-543	348	29	,	,	PUNCT
ajoaa-543	348	30	vol	vol	NOUN
ajoaa-543	348	31	.	.	PROPN
ajoaa-543	348	32	11	11	NUM
ajoaa-543	348	33	,	,	PUNCT
ajoaa-543	348	34	pp	pp	ADJ
ajoaa-543	348	35	.	.	PUNCT
ajoaa-543	349	1	83	83	NUM
ajoaa-543	349	2	–	–	SYM
ajoaa-543	349	3	91	91	NUM
ajoaa-543	349	4	.	.	PUNCT
ajoaa-543	349	5	crook	crook	NOUN
ajoaa-543	349	6	,	,	PUNCT
ajoaa-543	349	7	j.	j.	PROPN
ajoaa-543	349	8	and	and	CCONJ
ajoaa-543	349	9	hochguertel	hochguertel	NOUN
ajoaa-543	349	10	,	,	PUNCT
ajoaa-543	349	11	s.	s.	PROPN
ajoaa-543	349	12	(	(	PUNCT
ajoaa-543	349	13	2005	2005	NUM
ajoaa-543	349	14	)	)	PUNCT
ajoaa-543	349	15	“	"	PUNCT
ajoaa-543	349	16	household	household	NOUN
ajoaa-543	349	17	debt	debt	NOUN
ajoaa-543	349	18	and	and	CCONJ
ajoaa-543	349	19	credit	credit	NOUN
ajoaa-543	349	20	constraints	constraint	NOUN
ajoaa-543	349	21	:	:	PUNCT
ajoaa-543	349	22	evidence	evidence	NOUN
ajoaa-543	349	23	from	from	ADP
ajoaa-543	349	24	oecd	oecd	PROPN
ajoaa-543	349	25	countries	country	NOUN
ajoaa-543	349	26	”	"	PUNCT
ajoaa-543	349	27	credit	credit	NOUN
ajoaa-543	349	28	research	research	NOUN
ajoaa-543	349	29	centre	centre	NOUN
ajoaa-543	349	30	,	,	PUNCT
ajoaa-543	349	31	university	university	NOUN
ajoaa-543	349	32	of	of	ADP
ajoaa-543	349	33	edinburg	edinburg	PROPN
ajoaa-543	349	34	,	,	PUNCT
ajoaa-543	349	35	working	working	NOUN
ajoaa-543	349	36	paper	paper	NOUN
ajoaa-543	349	37	series	series	NOUN
ajoaa-543	349	38	number	number	NOUN
ajoaa-543	349	39	05/02	05/02	NUM
ajoaa-543	349	40	.	.	PUNCT
ajoaa-543	350	1	dankyi	dankyi	ADJ
ajoaa-543	350	2	,	,	PUNCT
ajoaa-543	350	3	a.	a.	NOUN
ajoaa-543	350	4	a.	a.	PROPN
ajoaa-543	350	5	,	,	PUNCT
ajoaa-543	350	6	andah	andah	NOUN
ajoaa-543	350	7	,	,	PUNCT
ajoaa-543	350	8	k.	k.	PROPN
ajoaa-543	350	9	,	,	PUNCT
ajoaa-543	350	10	m.	m.	NOUN
ajoaa-543	350	11	,	,	PUNCT
ajoaa-543	350	12	moris	moris	PROPN
ajoaa-543	350	13	,	,	PUNCT
ajoaa-543	350	14	m.	m.	NOUN
ajoaa-543	350	15	and	and	CCONJ
ajoaa-543	350	16	fosu	fosu	PROPN
ajoaa-543	350	17	,	,	PUNCT
ajoaa-543	350	18	y.	y.	PROPN
ajoaa-543	350	19	(	(	PUNCT
ajoaa-543	350	20	2005	2005	NUM
ajoaa-543	350	21	)	)	PUNCT
ajoaa-543	350	22	“	"	PUNCT
ajoaa-543	350	23	farmer	farmer	NOUN
ajoaa-543	350	24	characteristics	characteristic	NOUN
ajoaa-543	350	25	,	,	PUNCT
ajoaa-543	350	26	ecological	ecological	ADJ
ajoaa-543	350	27	zones	zone	NOUN
ajoaa-543	350	28	and	and	CCONJ
ajoaa-543	350	29	adoption	adoption	NOUN
ajoaa-543	350	30	decisions	decision	NOUN
ajoaa-543	350	31	:	:	PUNCT
ajoaa-543	350	32	a	a	DET
ajoaa-543	350	33	tobit	tobit	NOUN
ajoaa-543	350	34	model	model	NOUN
ajoaa-543	350	35	application	application	NOUN
ajoaa-543	350	36	for	for	ADP
ajoaa-543	350	37	maize	maize	NOUN
ajoaa-543	350	38	technology	technology	NOUN
ajoaa-543	350	39	in	in	ADP
ajoaa-543	350	40	ghana	ghana	PROPN
ajoaa-543	350	41	”	"	PUNCT
ajoaa-543	350	42	,	,	PUNCT
ajoaa-543	350	43	agricultural	agricultural	ADJ
ajoaa-543	350	44	and	and	CCONJ
ajoaa-543	350	45	food	food	NOUN
ajoaa-543	350	46	science	science	NOUN
ajoaa-543	350	47	journal	journal	PROPN
ajoaa-543	350	48	of	of	ADP
ajoaa-543	350	49	ghana	ghana	PROPN
ajoaa-543	350	50	,	,	PUNCT
ajoaa-543	350	51	vol	vol	NOUN
ajoaa-543	350	52	.	.	PROPN
ajoaa-543	350	53	4	4	NUM
ajoaa-543	350	54	,	,	PUNCT
ajoaa-543	350	55	pp	pp	ADV
ajoaa-543	350	56	341	341	NUM
ajoaa-543	350	57	-	-	SYM
ajoaa-543	350	58	51	51	NUM
ajoaa-543	350	59	.	.	PUNCT
ajoaa-543	351	1	del	del	PROPN
ajoaa-543	351	2	-	-	PROPN
ajoaa-543	351	3	rio	rio	PROPN
ajoaa-543	351	4	,	,	PUNCT
ajoaa-543	351	5	a.	a.	NOUN
ajoaa-543	351	6	and	and	CCONJ
ajoaa-543	351	7	young	young	ADJ
ajoaa-543	351	8	,	,	PUNCT
ajoaa-543	351	9	g.	g.	PROPN
ajoaa-543	351	10	(	(	PUNCT
ajoaa-543	351	11	2005	2005	NUM
ajoaa-543	351	12	)	)	PUNCT
ajoaa-543	351	13	“	"	PUNCT
ajoaa-543	351	14	the	the	DET
ajoaa-543	351	15	determinants	determinant	NOUN
ajoaa-543	351	16	of	of	ADP
ajoaa-543	351	17	unsecured	unsecured	ADJ
ajoaa-543	351	18	borrowing	borrowing	NOUN
ajoaa-543	351	19	:	:	PUNCT
ajoaa-543	351	20	evidence	evidence	NOUN
ajoaa-543	351	21	from	from	ADP
ajoaa-543	351	22	the	the	DET
ajoaa-543	351	23	british	british	ADJ
ajoaa-543	351	24	household	household	NOUN
ajoaa-543	351	25	panel	panel	NOUN
ajoaa-543	351	26	survey	survey	NOUN
ajoaa-543	351	27	”	"	PUNCT
ajoaa-543	351	28	,	,	PUNCT
ajoaa-543	351	29	bank	bank	PROPN
ajoaa-543	351	30	of	of	ADP
ajoaa-543	351	31	england	england	PROPN
ajoaa-543	351	32	,	,	PUNCT
ajoaa-543	351	33	working	working	NOUN
ajoaa-543	351	34	paper	paper	NOUN
ajoaa-543	351	35	,	,	PUNCT
ajoaa-543	351	36	number	number	NOUN
ajoaa-543	351	37	263	263	NUM
ajoaa-543	351	38	.	.	PUNCT
ajoaa-543	352	1	diange	diange	NOUN
ajoaa-543	352	2	,	,	PUNCT
ajoaa-543	352	3	a	a	PRON
ajoaa-543	352	4	and	and	CCONJ
ajoaa-543	352	5	zeller	zeller	PROPN
ajoaa-543	352	6	.	.	PUNCT
ajoaa-543	353	1	m.	m.	NOUN
ajoaa-543	353	2	(	(	PUNCT
ajoaa-543	353	3	2000	2000	NUM
ajoaa-543	353	4	)	)	PUNCT
ajoaa-543	353	5	“	"	PUNCT
ajoaa-543	353	6	determinants	determinant	NOUN
ajoaa-543	353	7	of	of	ADP
ajoaa-543	353	8	access	access	NOUN
ajoaa-543	353	9	to	to	ADP
ajoaa-543	353	10	credit	credit	NOUN
ajoaa-543	353	11	and	and	CCONJ
ajoaa-543	353	12	its	its	PRON
ajoaa-543	353	13	impact	impact	NOUN
ajoaa-543	353	14	on	on	ADP
ajoaa-543	353	15	food	food	NOUN
ajoaa-543	353	16	security	security	NOUN
ajoaa-543	353	17	”	"	PUNCT
ajoaa-543	353	18	,	,	PUNCT
ajoaa-543	353	19	international	international	ADJ
ajoaa-543	353	20	food	food	NOUN
ajoaa-543	353	21	policy	policy	NOUN
ajoaa-543	353	22	research	research	PROPN
ajoaa-543	353	23	institute	institute	PROPN
ajoaa-543	353	24	,	,	PUNCT
ajoaa-543	353	25	washington	washington	PROPN
ajoaa-543	353	26	d.c	d.c	PROPN
ajoaa-543	353	27	.	.	PUNCT
ajoaa-543	353	28	duong	duong	PROPN
ajoaa-543	353	29	,	,	PUNCT
ajoaa-543	353	30	p.	p.	PROPN
ajoaa-543	353	31	b.	b.	PROPN
ajoaa-543	353	32	and	and	CCONJ
ajoaa-543	353	33	izumida	izumida	PROPN
ajoaa-543	353	34	,	,	PUNCT
ajoaa-543	353	35	y.	y.	PROPN
ajoaa-543	353	36	(	(	PUNCT
ajoaa-543	353	37	2002	2002	NUM
ajoaa-543	353	38	)	)	PUNCT
ajoaa-543	353	39	.	.	PUNCT
ajoaa-543	354	1	“	"	PUNCT
ajoaa-543	354	2	rural	rural	ADJ
ajoaa-543	354	3	development	development	NOUN
ajoaa-543	354	4	finance	finance	NOUN
ajoaa-543	354	5	in	in	ADP
ajoaa-543	354	6	vietnam	vietnam	PROPN
ajoaa-543	354	7	.	.	PUNCT
ajoaa-543	355	1	a	a	DET
ajoaa-543	355	2	micro	micro	ADJ
ajoaa-543	355	3	econometric	econometric	ADJ
ajoaa-543	355	4	analysis	analysis	NOUN
ajoaa-543	355	5	of	of	ADP
ajoaa-543	355	6	household	household	NOUN
ajoaa-543	355	7	surveys	survey	NOUN
ajoaa-543	355	8	”	"	PUNCT
ajoaa-543	355	9	,	,	PUNCT
ajoaa-543	355	10	world	world	NOUN
ajoaa-543	355	11	development	development	NOUN
ajoaa-543	355	12	,	,	PUNCT
ajoaa-543	355	13	vol	vol	NOUN
ajoaa-543	355	14	.	.	PUNCT
ajoaa-543	356	1	30(2	30(2	NUM
ajoaa-543	356	2	)	)	PUNCT
ajoaa-543	356	3	,	,	PUNCT
ajoaa-543	356	4	pp	pp	ADP
ajoaa-543	356	5	.	.	PUNCT
ajoaa-543	357	1	319	319	NUM
ajoaa-543	357	2	–	–	PUNCT
ajoaa-543	357	3	35	35	NUM
ajoaa-543	357	4	.	.	PUNCT
ajoaa-543	358	1	duong	duong	PROPN
ajoaa-543	358	2	,	,	PUNCT
ajoaa-543	358	3	p.	p.	PROPN
ajoaa-543	358	4	b.	b.	PROPN
ajoaa-543	358	5	and	and	CCONJ
ajoaa-543	358	6	izumida	izumida	PROPN
ajoaa-543	358	7	,	,	PUNCT
ajoaa-543	358	8	y.	y.	PROPN
ajoaa-543	358	9	(	(	PUNCT
ajoaa-543	358	10	2002	2002	NUM
ajoaa-543	358	11	)	)	PUNCT
ajoaa-543	358	12	“	"	PUNCT
ajoaa-543	358	13	rural	rural	ADJ
ajoaa-543	358	14	development	development	NOUN
ajoaa-543	358	15	finance	finance	NOUN
ajoaa-543	358	16	in	in	ADP
ajoaa-543	358	17	vietnam	vietnam	PROPN
ajoaa-543	358	18	:	:	PUNCT
ajoaa-543	358	19	a	a	DET
ajoaa-543	358	20	microeconometric	microeconometric	ADJ
ajoaa-543	358	21	analysis	analysis	NOUN
ajoaa-543	358	22	of	of	ADP
ajoaa-543	358	23	household	household	NOUN
ajoaa-543	358	24	surveys	survey	NOUN
ajoaa-543	358	25	”	"	PUNCT
ajoaa-543	358	26	,	,	PUNCT
ajoaa-543	358	27	world	world	NOUN
ajoaa-543	358	28	development	development	NOUN
ajoaa-543	358	29	,	,	PUNCT
ajoaa-543	358	30	vol	vol	NOUN
ajoaa-543	358	31	.	.	PUNCT
ajoaa-543	359	1	30(2	30(2	NUM
ajoaa-543	359	2	)	)	PUNCT
ajoaa-543	359	3	,	,	PUNCT
ajoaa-543	359	4	pp	pp	ADJ
ajoaa-543	359	5	.	.	PUNCT
ajoaa-543	360	1	319–35	319–35	NUM
ajoaa-543	360	2	.	.	PUNCT
ajoaa-543	361	1	fakayode	fakayode	PROPN
ajoaa-543	361	2	s.	s.	PROPN
ajoaa-543	361	3	b.	b.	PROPN
ajoaa-543	361	4	and	and	CCONJ
ajoaa-543	361	5	rahji	rahji	PROPN
ajoaa-543	361	6	,	,	PUNCT
ajoaa-543	361	7	m.	m.	NOUN
ajoaa-543	361	8	a.	a.	PROPN
ajoaa-543	361	9	y.	y.	PROPN
ajoaa-543	361	10	(	(	PUNCT
ajoaa-543	361	11	2009	2009	NUM
ajoaa-543	361	12	)	)	PUNCT
ajoaa-543	361	13	“	"	PUNCT
ajoaa-543	361	14	a	a	DET
ajoaa-543	361	15	multinomial	multinomial	ADJ
ajoaa-543	361	16	logit	logit	NOUN
ajoaa-543	361	17	analysis	analysis	NOUN
ajoaa-543	361	18	of	of	ADP
ajoaa-543	361	19	agricultural	agricultural	ADJ
ajoaa-543	361	20	credit	credit	NOUN
ajoaa-543	361	21	rationing	ration	VERB
ajoaa-543	361	22	by	by	ADP
ajoaa-543	361	23	commercial	commercial	ADJ
ajoaa-543	361	24	banks	bank	NOUN
ajoaa-543	361	25	in	in	ADP
ajoaa-543	361	26	nigeria	nigeria	PROPN
ajoaa-543	361	27	”	"	PUNCT
ajoaa-543	361	28	,	,	PUNCT
ajoaa-543	361	29	international	international	ADJ
ajoaa-543	361	30	research	research	NOUN
ajoaa-543	361	31	journal	journal	NOUN
ajoaa-543	361	32	of	of	ADP
ajoaa-543	361	33	finance	finance	NOUN
ajoaa-543	361	34	and	and	CCONJ
ajoaa-543	361	35	economics	economic	NOUN
ajoaa-543	361	36	,	,	PUNCT
ajoaa-543	361	37	issue	issue	NOUN
ajoaa-543	361	38	number	number	NOUN
ajoaa-543	361	39	24	24	NUM
ajoaa-543	361	40	,	,	PUNCT
ajoaa-543	361	41	pp	pp	ADJ
ajoaa-543	361	42	.	.	PUNCT
ajoaa-543	362	1	90	90	NUM
ajoaa-543	362	2	-	-	SYM
ajoaa-543	362	3	100	100	NUM
ajoaa-543	362	4	.	.	PUNCT
ajoaa-543	363	1	asian	asian	ADJ
ajoaa-543	363	2	journal	journal	PROPN
ajoaa-543	363	3	of	of	ADP
ajoaa-543	363	4	agriculture	agriculture	NOUN
ajoaa-543	363	5	and	and	CCONJ
ajoaa-543	363	6	rural	rural	ADJ
ajoaa-543	363	7	development	development	NOUN
ajoaa-543	363	8	,	,	PUNCT
ajoaa-543	363	9	2(2	2(2	NUM
ajoaa-543	363	10	)	)	PUNCT
ajoaa-543	363	11	,	,	PUNCT
ajoaa-543	363	12	pp	pp	ADP
ajoaa-543	363	13	.	.	PUNCT
ajoaa-543	364	1	189	189	NUM
ajoaa-543	364	2	-	-	SYM
ajoaa-543	364	3	200	200	NUM
ajoaa-543	364	4	200	200	NUM
ajoaa-543	364	5	foltz	foltz	NOUN
ajoaa-543	364	6	,	,	PUNCT
ajoaa-543	364	7	j.	j.	PROPN
ajoaa-543	364	8	(	(	PUNCT
ajoaa-543	364	9	2004	2004	NUM
ajoaa-543	364	10	)	)	PUNCT
ajoaa-543	364	11	“	"	PUNCT
ajoaa-543	364	12	credit	credit	NOUN
ajoaa-543	364	13	market	market	NOUN
ajoaa-543	364	14	access	access	NOUN
ajoaa-543	364	15	and	and	CCONJ
ajoaa-543	364	16	profitability	profitability	NOUN
ajoaa-543	364	17	in	in	ADP
ajoaa-543	364	18	tunisian	tunisian	ADJ
ajoaa-543	364	19	agriculture	agriculture	NOUN
ajoaa-543	364	20	”	"	PUNCT
ajoaa-543	364	21	,	,	PUNCT
ajoaa-543	364	22	european	european	ADJ
ajoaa-543	364	23	review	review	NOUN
ajoaa-543	364	24	of	of	ADP
ajoaa-543	364	25	agricultural	agricultural	ADJ
ajoaa-543	364	26	economics	economic	NOUN
ajoaa-543	364	27	,	,	PUNCT
ajoaa-543	364	28	vol	vol	NOUN
ajoaa-543	364	29	.	.	PROPN
ajoaa-543	364	30	30	30	NUM
ajoaa-543	364	31	,	,	PUNCT
ajoaa-543	364	32	pp	pp	ADJ
ajoaa-543	364	33	.	.	PUNCT
ajoaa-543	365	1	229	229	NUM
ajoaa-543	365	2	-	-	SYM
ajoaa-543	365	3	40	40	NUM
ajoaa-543	365	4	.	.	PUNCT
ajoaa-543	366	1	ghana	ghana	PROPN
ajoaa-543	366	2	statistical	statistical	ADJ
ajoaa-543	366	3	service	service	NOUN
ajoaa-543	366	4	(	(	PUNCT
ajoaa-543	366	5	2000	2000	NUM
ajoaa-543	366	6	)	)	PUNCT
ajoaa-543	366	7	“	"	PUNCT
ajoaa-543	366	8	ghana	ghana	PROPN
ajoaa-543	366	9	living	living	NOUN
ajoaa-543	366	10	standards	standard	NOUN
ajoaa-543	366	11	survey	survey	NOUN
ajoaa-543	366	12	”	"	PUNCT
ajoaa-543	366	13	,	,	PUNCT
ajoaa-543	366	14	report	report	VERB
ajoaa-543	366	15	number	number	NOUN
ajoaa-543	366	16	4	4	NUM
ajoaa-543	366	17	,	,	PUNCT
ajoaa-543	366	18	accra	accra	VERB
ajoaa-543	366	19	ghana	ghana	PROPN
ajoaa-543	366	20	.	.	PUNCT
ajoaa-543	367	1	greene	greene	PROPN
ajoaa-543	367	2	,	,	PUNCT
ajoaa-543	367	3	w.	w.	PROPN
ajoaa-543	367	4	h.	h.	PROPN
ajoaa-543	367	5	(	(	PUNCT
ajoaa-543	367	6	2008	2008	NUM
ajoaa-543	367	7	)	)	PUNCT
ajoaa-543	367	8	“	"	PUNCT
ajoaa-543	367	9	econometric	econometric	ADJ
ajoaa-543	367	10	analysis	analysis	NOUN
ajoaa-543	367	11	”	"	PUNCT
ajoaa-543	367	12	,	,	PUNCT
ajoaa-543	367	13	6	6	NUM
ajoaa-543	367	14	th	th	NUM
ajoaa-543	367	15	edition	edition	NOUN
ajoaa-543	367	16	,	,	PUNCT
ajoaa-543	367	17	upper	upper	ADJ
ajoaa-543	367	18	saddle	saddle	NOUN
ajoaa-543	367	19	river	river	NOUN
ajoaa-543	367	20	,	,	PUNCT
ajoaa-543	367	21	new	new	PROPN
ajoaa-543	367	22	jersey	jersey	PROPN
ajoaa-543	367	23	,	,	PUNCT
ajoaa-543	367	24	prentice	prentice	NOUN
ajoaa-543	367	25	-	-	PUNCT
ajoaa-543	367	26	hall	hall	NOUN
ajoaa-543	367	27	,	,	PUNCT
ajoaa-543	367	28	new	new	PROPN
ajoaa-543	367	29	york	york	PROPN
ajoaa-543	367	30	university	university	PROPN
ajoaa-543	367	31	.	.	PUNCT
ajoaa-543	368	1	guirkinger	guirkinger	PROPN
ajoaa-543	368	2	,	,	PUNCT
ajoaa-543	368	3	c.	c.	PROPN
ajoaa-543	368	4	,	,	PUNCT
ajoaa-543	368	5	fletschner	fletschner	NOUN
ajoaa-543	368	6	,	,	PUNCT
ajoaa-543	368	7	d.	d.	PROPN
ajoaa-543	368	8	,	,	PUNCT
ajoaa-543	368	9	and	and	CCONJ
ajoaa-543	368	10	,	,	PUNCT
ajoaa-543	368	11	s.	s.	PROPN
ajoaa-543	368	12	(	(	PUNCT
ajoaa-543	368	13	2007	2007	NUM
ajoaa-543	368	14	)	)	PUNCT
ajoaa-543	368	15	“	"	PUNCT
ajoaa-543	368	16	credit	credit	NOUN
ajoaa-543	368	17	constraints	constraint	NOUN
ajoaa-543	368	18	and	and	CCONJ
ajoaa-543	368	19	financial	financial	ADJ
ajoaa-543	368	20	efficiency	efficiency	NOUN
ajoaa-543	368	21	in	in	ADP
ajoaa-543	368	22	peruvian	peruvian	ADJ
ajoaa-543	368	23	agriculture	agriculture	NOUN
ajoaa-543	368	24	”	"	PUNCT
ajoaa-543	368	25	,	,	PUNCT
ajoaa-543	368	26	paper	paper	NOUN
ajoaa-543	368	27	presented	present	VERB
ajoaa-543	368	28	at	at	ADP
ajoaa-543	368	29	the	the	DET
ajoaa-543	368	30	american	american	ADJ
ajoaa-543	368	31	agricultural	agricultural	PROPN
ajoaa-543	368	32	economics	economics	PROPN
ajoaa-543	368	33	association	association	PROPN
ajoaa-543	368	34	annual	annual	ADJ
ajoaa-543	368	35	meeting	meeting	NOUN
ajoaa-543	368	36	,	,	PUNCT
ajoaa-543	368	37	portland	portland	PROPN
ajoaa-543	368	38	,	,	PUNCT
ajoaa-543	368	39	30	30	NUM
ajoaa-543	368	40	th	th	NUM
ajoaa-543	368	41	july	july	PROPN
ajoaa-543	368	42	,	,	PUNCT
ajoaa-543	368	43	2007	2007	NUM
ajoaa-543	368	44	.	.	PUNCT
ajoaa-543	369	1	harold	harold	PROPN
ajoaa-543	369	2	,	,	PUNCT
ajoaa-543	369	3	c.	c.	PROPN
ajoaa-543	369	4	(	(	PUNCT
ajoaa-543	369	5	2005	2005	NUM
ajoaa-543	369	6	)	)	PUNCT
ajoaa-543	369	7	“	"	PUNCT
ajoaa-543	369	8	ghana	ghana	PROPN
ajoaa-543	369	9	census	census	NOUN
ajoaa-543	369	10	-	-	PUNCT
ajoaa-543	369	11	based	base	VERB
ajoaa-543	369	12	poverty	poverty	NOUN
ajoaa-543	369	13	map	map	NOUN
ajoaa-543	369	14	:	:	PUNCT
ajoaa-543	369	15	district	district	NOUN
ajoaa-543	369	16	and	and	CCONJ
ajoaa-543	369	17	sub	sub	ADJ
ajoaa-543	369	18	-	-	ADJ
ajoaa-543	369	19	district	district	ADJ
ajoaa-543	369	20	level	level	NOUN
ajoaa-543	369	21	results	result	NOUN
ajoaa-543	369	22	”	"	PUNCT
ajoaa-543	369	23	,	,	PUNCT
ajoaa-543	369	24	ghana	ghana	PROPN
ajoaa-543	369	25	statistical	statistical	ADJ
ajoaa-543	369	26	service	service	NOUN
ajoaa-543	369	27	,	,	PUNCT
ajoaa-543	369	28	accra	accra	PROPN
ajoaa-543	369	29	.	.	PUNCT
ajoaa-543	370	1	hill	hill	PROPN
ajoaa-543	370	2	,	,	PUNCT
ajoaa-543	370	3	l.	l.	PROPN
ajoaa-543	370	4	and	and	CCONJ
ajoaa-543	370	5	kau	kau	PROPN
ajoaa-543	370	6	,	,	PUNCT
ajoaa-543	370	7	p.	p.	NOUN
ajoaa-543	370	8	(	(	PUNCT
ajoaa-543	370	9	1973	1973	NUM
ajoaa-543	370	10	)	)	PUNCT
ajoaa-543	370	11	“	"	PUNCT
ajoaa-543	370	12	application	application	NOUN
ajoaa-543	370	13	of	of	ADP
ajoaa-543	370	14	multivariate	multivariate	NOUN
ajoaa-543	370	15	probit	probit	NOUN
ajoaa-543	370	16	to	to	ADP
ajoaa-543	370	17	a	a	DET
ajoaa-543	370	18	threshold	threshold	NOUN
ajoaa-543	370	19	model	model	NOUN
ajoaa-543	370	20	of	of	ADP
ajoaa-543	370	21	grain	grain	NOUN
ajoaa-543	370	22	dryer	dryer	NOUN
ajoaa-543	370	23	purchasing	purchasing	NOUN
ajoaa-543	370	24	decisions	decision	NOUN
ajoaa-543	370	25	”	"	PUNCT
ajoaa-543	370	26	,	,	PUNCT
ajoaa-543	370	27	american	american	ADJ
ajoaa-543	370	28	journal	journal	NOUN
ajoaa-543	370	29	of	of	ADP
ajoaa-543	370	30	agricultural	agricultural	ADJ
ajoaa-543	370	31	economics	economic	NOUN
ajoaa-543	370	32	,	,	PUNCT
ajoaa-543	370	33	vol	vol	NOUN
ajoaa-543	370	34	.	.	PROPN
ajoaa-543	371	1	55	55	NUM
ajoaa-543	371	2	,	,	PUNCT
ajoaa-543	371	3	pp	pp	ADJ
ajoaa-543	371	4	.	.	PUNCT
ajoaa-543	372	1	19	19	NUM
ajoaa-543	372	2	-	-	SYM
ajoaa-543	372	3	27	27	NUM
ajoaa-543	372	4	.	.	PUNCT
ajoaa-543	373	1	johnson	johnson	PROPN
ajoaa-543	373	2	,	,	PUNCT
ajoaa-543	373	3	s.	s.	PROPN
ajoaa-543	373	4	(	(	PUNCT
ajoaa-543	373	5	2004	2004	NUM
ajoaa-543	373	6	)	)	PUNCT
ajoaa-543	373	7	“	"	PUNCT
ajoaa-543	373	8	the	the	DET
ajoaa-543	373	9	impact	impact	NOUN
ajoaa-543	373	10	of	of	ADP
ajoaa-543	373	11	microfinance	microfinance	NOUN
ajoaa-543	373	12	institutions	institution	NOUN
ajoaa-543	373	13	in	in	ADP
ajoaa-543	373	14	local	local	ADJ
ajoaa-543	373	15	financial	financial	ADJ
ajoaa-543	373	16	markets	market	NOUN
ajoaa-543	373	17	:	:	PUNCT
ajoaa-543	373	18	a	a	DET
ajoaa-543	373	19	case	case	NOUN
ajoaa-543	373	20	study	study	NOUN
ajoaa-543	373	21	from	from	ADP
ajoaa-543	373	22	kenya	kenya	PROPN
ajoaa-543	373	23	”	"	PUNCT
ajoaa-543	373	24	,	,	PUNCT
ajoaa-543	373	25	journal	journal	NOUN
ajoaa-543	373	26	of	of	ADP
ajoaa-543	373	27	international	international	ADJ
ajoaa-543	373	28	development	development	NOUN
ajoaa-543	373	29	,	,	PUNCT
ajoaa-543	373	30	vol	vol	NOUN
ajoaa-543	373	31	.	.	PUNCT
ajoaa-543	373	32	16(3	16(3	NUM
ajoaa-543	373	33	)	)	PUNCT
ajoaa-543	373	34	,	,	PUNCT
ajoaa-543	373	35	pp	pp	PROPN
ajoaa-543	373	36	.	.	PUNCT
ajoaa-543	373	37	501	501	NUM
ajoaa-543	373	38	-	-	SYM
ajoaa-543	373	39	17	17	NUM
ajoaa-543	373	40	.	.	PUNCT
ajoaa-543	374	1	johnston	johnston	PROPN
ajoaa-543	374	2	,	,	PUNCT
ajoaa-543	374	3	j.	j.	PROPN
ajoaa-543	374	4	and	and	CCONJ
ajoaa-543	374	5	dinardo	dinardo	PROPN
ajoaa-543	374	6	,	,	PUNCT
ajoaa-543	374	7	j.	j.	PROPN
ajoaa-543	374	8	(	(	PUNCT
ajoaa-543	374	9	1998	1998	NUM
ajoaa-543	374	10	)	)	PUNCT
ajoaa-543	374	11	“	"	PUNCT
ajoaa-543	374	12	econometric	econometric	ADJ
ajoaa-543	374	13	methods	method	NOUN
ajoaa-543	374	14	”	"	PUNCT
ajoaa-543	374	15	,	,	PUNCT
ajoaa-543	374	16	4	4	NUM
ajoaa-543	374	17	th	th	NUM
ajoaa-543	374	18	edition	edition	NOUN
ajoaa-543	374	19	.	.	PUNCT
ajoaa-543	375	1	new	new	PROPN
ajoaa-543	375	2	york	york	PROPN
ajoaa-543	375	3	:	:	PUNCT
ajoaa-543	375	4	mcgraw	mcgraw	PROPN
ajoaa-543	375	5	hill	hill	PROPN
ajoaa-543	375	6	.	.	PUNCT
ajoaa-543	376	1	kah	kah	PROPN
ajoaa-543	376	2	,	,	PUNCT
ajoaa-543	376	3	j.	j.	PROPN
ajoaa-543	376	4	m.	m.	PROPN
ajoaa-543	376	5	l.	l.	PROPN
ajoaa-543	376	6	,	,	PUNCT
ajoaa-543	376	7	dana	dana	PROPN
ajoaa-543	376	8	,	,	PUNCT
ajoaa-543	376	9	l.	l.	PROPN
ajoaa-543	376	10	,	,	PUNCT
ajoaa-543	376	11	and	and	CCONJ
ajoaa-543	376	12	kah	kah	PROPN
ajoaa-543	376	13	,	,	PUNCT
ajoaa-543	376	14	m.	m.	NOUN
ajoaa-543	376	15	m.	m.	NOUN
ajoaa-543	376	16	o.	o.	PROPN
ajoaa-543	376	17	(	(	PUNCT
ajoaa-543	376	18	2005	2005	NUM
ajoaa-543	376	19	)	)	PUNCT
ajoaa-543	376	20	“	"	PUNCT
ajoaa-543	376	21	microcredit	microcredit	NOUN
ajoaa-543	376	22	,	,	PUNCT
ajoaa-543	376	23	social	social	ADJ
ajoaa-543	376	24	capital	capital	NOUN
ajoaa-543	376	25	and	and	CCONJ
ajoaa-543	376	26	politics	politic	NOUN
ajoaa-543	376	27	”	"	PUNCT
ajoaa-543	376	28	,	,	PUNCT
ajoaa-543	376	29	journal	journal	NOUN
ajoaa-543	376	30	of	of	ADP
ajoaa-543	376	31	microfinance	microfinance	NOUN
ajoaa-543	376	32	,	,	PUNCT
ajoaa-543	376	33	vol	vol	NOUN
ajoaa-543	376	34	.	.	PUNCT
ajoaa-543	376	35	7(1	7(1	NUM
ajoaa-543	376	36	)	)	PUNCT
ajoaa-543	376	37	,	,	PUNCT
ajoaa-543	376	38	pp	pp	PROPN
ajoaa-543	376	39	.	.	PUNCT
ajoaa-543	377	1	121–51	121–51	NUM
ajoaa-543	377	2	.	.	PUNCT
ajoaa-543	378	1	kibaara	kibaara	PROPN
ajoaa-543	378	2	,	,	PUNCT
ajoaa-543	378	3	b.	b.	PROPN
ajoaa-543	378	4	w.	w.	PROPN
ajoaa-543	378	5	(	(	PUNCT
ajoaa-543	378	6	2005	2005	NUM
ajoaa-543	378	7	)	)	PUNCT
ajoaa-543	378	8	“	"	PUNCT
ajoaa-543	378	9	technical	technical	ADJ
ajoaa-543	378	10	efficiency	efficiency	NOUN
ajoaa-543	378	11	in	in	ADP
ajoaa-543	378	12	kenyan‟s	kenyan‟s	X
ajoaa-543	378	13	maize	maize	NOUN
ajoaa-543	378	14	production	production	NOUN
ajoaa-543	378	15	:	:	PUNCT
ajoaa-543	378	16	an	an	DET
ajoaa-543	378	17	application	application	NOUN
ajoaa-543	378	18	of	of	ADP
ajoaa-543	378	19	the	the	DET
ajoaa-543	378	20	stochastic	stochastic	ADJ
ajoaa-543	378	21	frontier	frontier	NOUN
ajoaa-543	378	22	approach	approach	NOUN
ajoaa-543	378	23	”	"	PUNCT
ajoaa-543	378	24	,	,	PUNCT
ajoaa-543	378	25	msc	msc	PROPN
ajoaa-543	378	26	.	.	PROPN
ajoaa-543	378	27	thesis	thesis	NOUN
ajoaa-543	378	28	submitted	submit	VERB
ajoaa-543	378	29	to	to	ADP
ajoaa-543	378	30	the	the	DET
ajoaa-543	378	31	department	department	NOUN
ajoaa-543	378	32	of	of	ADP
ajoaa-543	378	33	agricultural	agricultural	ADJ
ajoaa-543	378	34	and	and	CCONJ
ajoaa-543	378	35	resource	resource	NOUN
ajoaa-543	378	36	economics	economic	NOUN
ajoaa-543	378	37	,	,	PUNCT
ajoaa-543	378	38	colorado	colorado	PROPN
ajoaa-543	378	39	state	state	PROPN
ajoaa-543	378	40	university	university	PROPN
ajoaa-543	378	41	.	.	PUNCT
ajoaa-543	379	1	lukytawati	lukytawati	PROPN
ajoaa-543	379	2	,	,	PUNCT
ajoaa-543	379	3	a.	a.	NOUN
ajoaa-543	379	4	(	(	PUNCT
ajoaa-543	379	5	2009	2009	NUM
ajoaa-543	379	6	)	)	PUNCT
ajoaa-543	379	7	“	"	PUNCT
ajoaa-543	379	8	factors	factor	NOUN
ajoaa-543	379	9	influencing	influence	VERB
ajoaa-543	379	10	participation	participation	NOUN
ajoaa-543	379	11	and	and	CCONJ
ajoaa-543	379	12	credit	credit	NOUN
ajoaa-543	379	13	constraints	constraint	NOUN
ajoaa-543	379	14	of	of	ADP
ajoaa-543	379	15	a	a	DET
ajoaa-543	379	16	financial	financial	ADJ
ajoaa-543	379	17	self	self	NOUN
ajoaa-543	379	18	-	-	PUNCT
ajoaa-543	379	19	help	help	NOUN
ajoaa-543	379	20	group	group	NOUN
ajoaa-543	379	21	in	in	ADP
ajoaa-543	379	22	a	a	DET
ajoaa-543	379	23	remote	remote	ADJ
ajoaa-543	379	24	rural	rural	ADJ
ajoaa-543	379	25	area	area	NOUN
ajoaa-543	379	26	:	:	PUNCT
ajoaa-543	379	27	the	the	DET
ajoaa-543	379	28	case	case	NOUN
ajoaa-543	379	29	of	of	ADP
ajoaa-543	379	30	rosca	rosca	PROPN
ajoaa-543	379	31	and	and	CCONJ
ajoaa-543	379	32	ascra	ascra	PROPN
ajoaa-543	379	33	in	in	ADP
ajoaa-543	379	34	kemang	kemang	PROPN
ajoaa-543	379	35	village	village	PROPN
ajoaa-543	379	36	west	west	PROPN
ajoaa-543	379	37	java	java	PROPN
ajoaa-543	379	38	”	"	PUNCT
ajoaa-543	379	39	,	,	PUNCT
ajoaa-543	379	40	journal	journal	NOUN
ajoaa-543	379	41	of	of	ADP
ajoaa-543	379	42	applied	apply	VERB
ajoaa-543	379	43	sciences	science	NOUN
ajoaa-543	379	44	,	,	PUNCT
ajoaa-543	379	45	vol	vol	NOUN
ajoaa-543	379	46	.	.	PUNCT
ajoaa-543	379	47	9(11	9(11	NUM
ajoaa-543	379	48	)	)	PUNCT
ajoaa-543	379	49	,	,	PUNCT
ajoaa-543	379	50	pp	pp	ADP
ajoaa-543	379	51	.	.	PUNCT
ajoaa-543	380	1	2067	2067	NUM
ajoaa-543	380	2	-	-	SYM
ajoaa-543	380	3	77	77	NUM
ajoaa-543	380	4	.	.	PUNCT
ajoaa-543	381	1	magri	magri	NOUN
ajoaa-543	381	2	,	,	PUNCT
ajoaa-543	381	3	s.	s.	PROPN
ajoaa-543	381	4	(	(	PUNCT
ajoaa-543	381	5	2002	2002	NUM
ajoaa-543	381	6	)	)	PUNCT
ajoaa-543	381	7	“	"	PUNCT
ajoaa-543	381	8	italian	italian	ADJ
ajoaa-543	381	9	households‟	households‟	NOUN
ajoaa-543	381	10	debt	debt	NOUN
ajoaa-543	381	11	:	:	PUNCT
ajoaa-543	381	12	determinants	determinant	NOUN
ajoaa-543	381	13	of	of	ADP
ajoaa-543	381	14	demand	demand	NOUN
ajoaa-543	381	15	and	and	CCONJ
ajoaa-543	381	16	supply	supply	NOUN
ajoaa-543	381	17	,	,	PUNCT
ajoaa-543	381	18	”	"	PUNCT
ajoaa-543	381	19	temi	temi	X
ajoaa-543	381	20	di	di	X
ajoaa-543	381	21	discussione	discussione	NOUN
ajoaa-543	381	22	(	(	PUNCT
ajoaa-543	381	23	economic	economic	ADJ
ajoaa-543	381	24	working	working	NOUN
ajoaa-543	381	25	papers	paper	NOUN
ajoaa-543	381	26	)	)	PUNCT
ajoaa-543	381	27	454	454	NUM
ajoaa-543	381	28	,	,	PUNCT
ajoaa-543	381	29	bank	bank	PROPN
ajoaa-543	381	30	of	of	ADP
ajoaa-543	381	31	italy	italy	PROPN
ajoaa-543	381	32	,	,	PUNCT
ajoaa-543	381	33	economic	economic	ADJ
ajoaa-543	381	34	research	research	NOUN
ajoaa-543	381	35	department	department	PROPN
ajoaa-543	381	36	.	.	PUNCT
ajoaa-543	382	1	malik	malik	PROPN
ajoaa-543	382	2	,	,	PUNCT
ajoaa-543	382	3	s.	s.	PROPN
ajoaa-543	382	4	j.	j.	PROPN
ajoaa-543	382	5	and	and	CCONJ
ajoaa-543	382	6	nazli	nazli	PROPN
ajoaa-543	382	7	,	,	PUNCT
ajoaa-543	382	8	h.	h.	PROPN
ajoaa-543	382	9	(	(	PUNCT
ajoaa-543	382	10	1999	1999	NUM
ajoaa-543	382	11	)	)	PUNCT
ajoaa-543	382	12	“	"	PUNCT
ajoaa-543	382	13	poverty	poverty	NOUN
ajoaa-543	382	14	and	and	CCONJ
ajoaa-543	382	15	rural	rural	ADJ
ajoaa-543	382	16	credit	credit	NOUN
ajoaa-543	382	17	:	:	PUNCT
ajoaa-543	382	18	evidence	evidence	NOUN
ajoaa-543	382	19	from	from	ADP
ajoaa-543	382	20	pakistan	pakistan	PROPN
ajoaa-543	382	21	”	"	PUNCT
ajoaa-543	382	22	,	,	PUNCT
ajoaa-543	382	23	the	the	DET
ajoaa-543	382	24	pakistan	pakistan	PROPN
ajoaa-543	382	25	development	development	PROPN
ajoaa-543	382	26	review	review	PROPN
ajoaa-543	382	27	,	,	PUNCT
ajoaa-543	382	28	vol	vol	NOUN
ajoaa-543	382	29	.	.	PUNCT
ajoaa-543	382	30	38(4	38(4	NUM
ajoaa-543	382	31	)	)	PUNCT
ajoaa-543	382	32	,	,	PUNCT
ajoaa-543	382	33	pp	pp	ADP
ajoaa-543	382	34	699–16	699–16	NOUN
ajoaa-543	382	35	.	.	PUNCT
ajoaa-543	383	1	nani	nani	PROPN
ajoaa-543	383	2	-	-	PUNCT
ajoaa-543	383	3	nutako	nutako	PROPN
ajoaa-543	383	4	,	,	PUNCT
ajoaa-543	383	5	j.	j.	PROPN
ajoaa-543	383	6	m.	m.	PROPN
ajoaa-543	383	7	(	(	PUNCT
ajoaa-543	383	8	1998	1998	NUM
ajoaa-543	383	9	)	)	PUNCT
ajoaa-543	383	10	“	"	PUNCT
ajoaa-543	383	11	economics	economic	NOUN
ajoaa-543	383	12	of	of	ADP
ajoaa-543	383	13	small	small	ADJ
ajoaa-543	383	14	-	-	PUNCT
ajoaa-543	383	15	scale	scale	NOUN
ajoaa-543	383	16	farming	farming	NOUN
ajoaa-543	383	17	in	in	ADP
ajoaa-543	383	18	atebubu	atebubu	ADJ
ajoaa-543	383	19	district	district	NOUN
ajoaa-543	383	20	(	(	PUNCT
ajoaa-543	383	21	ghana	ghana	PROPN
ajoaa-543	383	22	)	)	PUNCT
ajoaa-543	383	23	”	"	PUNCT
ajoaa-543	383	24	,	,	PUNCT
ajoaa-543	383	25	report	report	NOUN
ajoaa-543	383	26	written	write	VERB
ajoaa-543	383	27	for	for	ADP
ajoaa-543	383	28	diprud	diprud	NOUN
ajoaa-543	383	29	/	/	SYM
ajoaa-543	383	30	usaid	usaid	PROPN
ajoaa-543	383	31	.	.	PUNCT
ajoaa-543	384	1	nathan	nathan	PROPN
ajoaa-543	384	2	,	,	PUNCT
ajoaa-543	384	3	o.	o.	PROPN
ajoaa-543	384	4	,	,	PUNCT
ajoaa-543	384	5	schoombee	schoombee	PROPN
ajoaa-543	384	6	,	,	PUNCT
ajoaa-543	384	7	a.	a.	NOUN
ajoaa-543	384	8	,	,	PUNCT
ajoaa-543	384	9	and	and	CCONJ
ajoaa-543	384	10	berg	berg	PROPN
ajoaa-543	384	11	,	,	PUNCT
ajoaa-543	384	12	s.	s.	PROPN
ajoaa-543	384	13	(	(	PUNCT
ajoaa-543	384	14	2004	2004	NUM
ajoaa-543	384	15	)	)	PUNCT
ajoaa-543	384	16	“	"	PUNCT
ajoaa-543	384	17	credit	credit	NOUN
ajoaa-543	384	18	demand	demand	NOUN
ajoaa-543	384	19	and	and	CCONJ
ajoaa-543	384	20	credit	credit	NOUN
ajoaa-543	384	21	rationing	ration	VERB
ajoaa-543	384	22	in	in	ADP
ajoaa-543	384	23	the	the	DET
ajoaa-543	384	24	informal	informal	ADJ
ajoaa-543	384	25	financial	financial	ADJ
ajoaa-543	384	26	sector	sector	NOUN
ajoaa-543	384	27	in	in	ADP
ajoaa-543	384	28	uganda	uganda	PROPN
ajoaa-543	384	29	african	african	PROPN
ajoaa-543	384	30	development	development	PROPN
ajoaa-543	384	31	and	and	CCONJ
ajoaa-543	384	32	poverty	poverty	NOUN
ajoaa-543	384	33	reduction	reduction	NOUN
ajoaa-543	384	34	:	:	PUNCT
ajoaa-543	384	35	the	the	DET
ajoaa-543	384	36	macro	macro	NOUN
ajoaa-543	384	37	–	–	PUNCT
ajoaa-543	384	38	micro	micro	ADJ
ajoaa-543	384	39	linkage	linkage	NOUN
ajoaa-543	384	40	”	"	PUNCT
ajoaa-543	384	41	,	,	PUNCT
ajoaa-543	384	42	forum	forum	PROPN
ajoaa-543	384	43	paper	paper	NOUN
ajoaa-543	384	44	,	,	PUNCT
ajoaa-543	384	45	13	13	NUM
ajoaa-543	384	46	th	th	NOUN
ajoaa-543	384	47	–	–	PUNCT
ajoaa-543	384	48	15	15	NUM
ajoaa-543	384	49	th	th	NUM
ajoaa-543	384	50	october	october	PROPN
ajoaa-543	384	51	,	,	PUNCT
ajoaa-543	384	52	2004	2004	NUM
ajoaa-543	384	53	,	,	PUNCT
ajoaa-543	384	54	lord	lord	PROPN
ajoaa-543	384	55	charles	charles	PROPN
ajoaa-543	384	56	hotel	hotel	PROPN
ajoaa-543	384	57	,	,	PUNCT
ajoaa-543	384	58	south	south	PROPN
ajoaa-543	384	59	africa	africa	PROPN
ajoaa-543	384	60	.	.	PUNCT
ajoaa-543	385	1	nyoro	nyoro	PROPN
ajoaa-543	385	2	,	,	PUNCT
ajoaa-543	385	3	j.	j.	PROPN
ajoaa-543	385	4	(	(	PUNCT
ajoaa-543	385	5	2002	2002	NUM
ajoaa-543	385	6	)	)	PUNCT
ajoaa-543	385	7	“	"	PUNCT
ajoaa-543	385	8	agriculture	agriculture	NOUN
ajoaa-543	385	9	and	and	CCONJ
ajoaa-543	385	10	rural	rural	ADJ
ajoaa-543	385	11	growth	growth	NOUN
ajoaa-543	385	12	in	in	ADP
ajoaa-543	385	13	kenya	kenya	PROPN
ajoaa-543	385	14	”	"	PUNCT
ajoaa-543	385	15	,	,	PUNCT
ajoaa-543	385	16	tegemeo	tegemeo	NOUN
ajoaa-543	385	17	working	working	NOUN
ajoaa-543	385	18	paper	paper	NOUN
ajoaa-543	385	19	.	.	PUNCT
ajoaa-543	386	1	oladele	oladele	PROPN
ajoaa-543	386	2	,	,	PUNCT
ajoaa-543	386	3	i.	i.	PROPN
ajoaa-543	386	4	o	o	PROPN
ajoaa-543	386	5	(	(	PUNCT
ajoaa-543	386	6	2005	2005	NUM
ajoaa-543	386	7	)	)	PUNCT
ajoaa-543	386	8	“	"	PUNCT
ajoaa-543	386	9	a	a	DET
ajoaa-543	386	10	tobit	tobit	NOUN
ajoaa-543	386	11	analysis	analysis	NOUN
ajoaa-543	386	12	of	of	ADP
ajoaa-543	386	13	propensity	propensity	NOUN
ajoaa-543	386	14	to	to	PART
ajoaa-543	386	15	discontinue	discontinue	VERB
ajoaa-543	386	16	adoption	adoption	NOUN
ajoaa-543	386	17	of	of	ADP
ajoaa-543	386	18	agricultural	agricultural	ADJ
ajoaa-543	386	19	technology	technology	NOUN
ajoaa-543	386	20	among	among	ADP
ajoaa-543	386	21	farmers	farmer	NOUN
ajoaa-543	386	22	in	in	ADP
ajoaa-543	386	23	southwestern	southwestern	ADJ
ajoaa-543	386	24	nigeria	nigeria	PROPN
ajoaa-543	386	25	”	"	PUNCT
ajoaa-543	386	26	,	,	PUNCT
ajoaa-543	386	27	journal	journal	NOUN
ajoaa-543	386	28	of	of	ADP
ajoaa-543	386	29	central	central	ADJ
ajoaa-543	386	30	european	european	ADJ
ajoaa-543	386	31	agriculture	agriculture	PROPN
ajoaa-543	386	32	,	,	PUNCT
ajoaa-543	386	33	vol	vol	NOUN
ajoaa-543	386	34	.	.	PUNCT
ajoaa-543	386	35	6(3	6(3	NOUN
ajoaa-543	386	36	)	)	PUNCT
ajoaa-543	386	37	,	,	PUNCT
ajoaa-543	386	38	pp	pp	ADP
ajoaa-543	386	39	.	.	PUNCT
ajoaa-543	387	1	249	249	NUM
ajoaa-543	387	2	-	-	SYM
ajoaa-543	387	3	54	54	NUM
ajoaa-543	387	4	.	.	PUNCT
ajoaa-543	388	1	petrick	petrick	PROPN
ajoaa-543	388	2	,	,	PUNCT
ajoaa-543	388	3	m.	m.	NOUN
ajoaa-543	388	4	(	(	PUNCT
ajoaa-543	388	5	2004	2004	NUM
ajoaa-543	388	6	)	)	PUNCT
ajoaa-543	388	7	“	"	PUNCT
ajoaa-543	388	8	a	a	DET
ajoaa-543	388	9	microeconometric	microeconometric	ADJ
ajoaa-543	388	10	analysis	analysis	NOUN
ajoaa-543	388	11	of	of	ADP
ajoaa-543	388	12	credit	credit	NOUN
ajoaa-543	388	13	rationing	ration	VERB
ajoaa-543	388	14	in	in	ADP
ajoaa-543	388	15	the	the	DET
ajoaa-543	388	16	polish	polish	ADJ
ajoaa-543	388	17	farm	farm	NOUN
ajoaa-543	388	18	sector	sector	NOUN
ajoaa-543	388	19	”	"	PUNCT
ajoaa-543	388	20	,	,	PUNCT
ajoaa-543	388	21	european	european	ADJ
ajoaa-543	388	22	review	review	NOUN
ajoaa-543	388	23	of	of	ADP
ajoaa-543	388	24	agricultural	agricultural	ADJ
ajoaa-543	388	25	economics	economic	NOUN
ajoaa-543	388	26	,	,	PUNCT
ajoaa-543	388	27	vol	vol	NOUN
ajoaa-543	388	28	.	.	PROPN
ajoaa-543	388	29	31	31	NUM
ajoaa-543	388	30	,	,	PUNCT
ajoaa-543	388	31	pp	pp	ADJ
ajoaa-543	388	32	.	.	PUNCT
ajoaa-543	389	1	23	23	NUM
ajoaa-543	389	2	-	-	SYM
ajoaa-543	389	3	47	47	NUM
ajoaa-543	389	4	.	.	PUNCT
ajoaa-543	390	1	pindyck	pindyck	PROPN
ajoaa-543	390	2	,	,	PUNCT
ajoaa-543	390	3	s.	s.	PROPN
ajoaa-543	390	4	r.	r.	PROPN
ajoaa-543	390	5	and	and	CCONJ
ajoaa-543	390	6	rubinfeld	rubinfeld	PROPN
ajoaa-543	390	7	,	,	PUNCT
ajoaa-543	390	8	l.	l.	PROPN
ajoaa-543	390	9	d.	d.	PROPN
ajoaa-543	390	10	(	(	PUNCT
ajoaa-543	390	11	1998	1998	NUM
ajoaa-543	390	12	)	)	PUNCT
ajoaa-543	390	13	“	"	PUNCT
ajoaa-543	390	14	econometric	econometric	ADJ
ajoaa-543	390	15	models	model	NOUN
ajoaa-543	390	16	and	and	CCONJ
ajoaa-543	390	17	economic	economic	ADJ
ajoaa-543	390	18	forecasts	forecast	NOUN
ajoaa-543	390	19	,	,	PUNCT
ajoaa-543	390	20	4	4	NUM
ajoaa-543	390	21	th	th	NOUN
ajoaa-543	390	22	edition	edition	NOUN
ajoaa-543	390	23	.	.	PUNCT
ajoaa-543	391	1	new	new	PROPN
ajoaa-543	391	2	york	york	PROPN
ajoaa-543	391	3	:	:	PUNCT
ajoaa-543	391	4	mcgraw	mcgraw	PROPN
ajoaa-543	391	5	-	-	PUNCT
ajoaa-543	391	6	hill	hill	NOUN
ajoaa-543	391	7	.	.	PUNCT
ajoaa-543	392	1	thaicharoen	thaicharoen	NOUN
ajoaa-543	392	2	,	,	PUNCT
ajoaa-543	392	3	y.	y.	PROPN
ajoaa-543	392	4	,	,	PUNCT
ajoaa-543	392	5	ariyapruchya	ariyapruchya	PROPN
ajoaa-543	392	6	,	,	PUNCT
ajoaa-543	392	7	k.	k.	PROPN
ajoaa-543	392	8	and	and	CCONJ
ajoaa-543	392	9	chucherd	chucherd	PROPN
ajoaa-543	392	10	,	,	PUNCT
ajoaa-543	392	11	t.	t.	PROPN
ajoaa-543	392	12	(	(	PUNCT
ajoaa-543	392	13	2004	2004	NUM
ajoaa-543	392	14	)	)	PUNCT
ajoaa-543	392	15	“	"	PUNCT
ajoaa-543	392	16	rising	rise	VERB
ajoaa-543	392	17	thai	thai	ADJ
ajoaa-543	392	18	household	household	NOUN
ajoaa-543	392	19	debt	debt	NOUN
ajoaa-543	392	20	:	:	PUNCT
ajoaa-543	392	21	assessing	assess	VERB
ajoaa-543	392	22	the	the	DET
ajoaa-543	392	23	risks	risk	NOUN
ajoaa-543	392	24	and	and	CCONJ
ajoaa-543	392	25	policy	policy	NOUN
ajoaa-543	392	26	implications	implication	NOUN
ajoaa-543	392	27	,	,	PUNCT
ajoaa-543	392	28	”	"	PUNCT
ajoaa-543	392	29	bank	bank	NOUN
ajoaa-543	392	30	of	of	ADP
ajoaa-543	392	31	thailand	thailand	PROPN
ajoaa-543	392	32	,	,	PUNCT
ajoaa-543	392	33	discussion	discussion	NOUN
ajoaa-543	392	34	paper	paper	NOUN
ajoaa-543	392	35	number	number	NOUN
ajoaa-543	392	36	04/2004	04/2004	PROPN
ajoaa-543	392	37	.	.	PUNCT
ajoaa-543	393	1	the	the	DET
ajoaa-543	393	2	financial	financial	ADJ
ajoaa-543	393	3	express	express	NOUN
ajoaa-543	393	4	(	(	PUNCT
ajoaa-543	393	5	2005	2005	NUM
ajoaa-543	393	6	)	)	PUNCT
ajoaa-543	393	7	“	"	PUNCT
ajoaa-543	393	8	large	large	ADJ
ajoaa-543	393	9	ngos	ngo	NOUN
ajoaa-543	393	10	becoming	become	VERB
ajoaa-543	393	11	rockefellers	rockefeller	NOUN
ajoaa-543	393	12	”	"	PUNCT
ajoaa-543	393	13	,	,	PUNCT
ajoaa-543	393	14	november	november	PROPN
ajoaa-543	393	15	22	22	NUM
ajoaa-543	393	16	.	.	PUNCT
ajoaa-543	394	1	yunus	yunus	PROPN
ajoaa-543	394	2	,	,	PUNCT
ajoaa-543	394	3	m.	m.	NOUN
ajoaa-543	394	4	and	and	CCONJ
ajoaa-543	394	5	alan	alan	PROPN
ajoaa-543	394	6	,	,	PUNCT
ajoaa-543	394	7	j.	j.	PROPN
ajoaa-543	394	8	(	(	PUNCT
ajoaa-543	394	9	2003	2003	NUM
ajoaa-543	394	10	)	)	PUNCT
ajoaa-543	394	11	“	"	PUNCT
ajoaa-543	394	12	banker	banker	NOUN
ajoaa-543	394	13	to	to	ADP
ajoaa-543	394	14	the	the	DET
ajoaa-543	394	15	poor	poor	ADJ
ajoaa-543	394	16	:	:	PUNCT
ajoaa-543	394	17	micro	micro	ADJ
ajoaa-543	394	18	-	-	NOUN
ajoaa-543	394	19	lending	lending	NOUN
ajoaa-543	394	20	and	and	CCONJ
ajoaa-543	394	21	the	the	DET
ajoaa-543	394	22	battle	battle	NOUN
ajoaa-543	394	23	against	against	ADP
ajoaa-543	394	24	world	world	NOUN
ajoaa-543	394	25	poverty	poverty	NOUN
ajoaa-543	394	26	”	"	PUNCT
ajoaa-543	394	27	,	,	PUNCT
ajoaa-543	394	28	new	new	PROPN
ajoaa-543	394	29	york	york	PROPN
ajoaa-543	394	30	,	,	PUNCT
ajoaa-543	394	31	public	public	ADJ
ajoaa-543	394	32	affairs	affair	NOUN
ajoaa-543	394	33	.	.	PUNCT
ajoaa-543	395	1	273p	273p	NOUN
ajoaa-543	395	2	.	.	PUNCT