id	keyword
ajoaa-2044	saving
ajoaa-2044	farmers
ajoaa-2044	save
ajoaa-2044	journal
ajoaa-2044	income
ajoaa-2044	development
ajoaa-2044	nigeria
ajoaa-2044	attitude
ajoaa-2044	education
ajoaa-2044	agriculture
ajoaa-2044	factors
ajoaa-2044	farming
ajoaa-2044	state
ajoaa-2044	bank