id	sid	tid	token	lemma	pos
ajeer-194	1	1	asian	asian	PROPN
ajeer-194	1	2	journal	journal	PROPN
ajeer-194	1	3	of	of	ADP
ajeer-194	1	4	economics	economic	NOUN
ajeer-194	1	5	and	and	CCONJ
ajeer-194	1	6	empirical	empirical	ADJ
ajeer-194	1	7	research	research	NOUN
ajeer-194	1	8	issn	issn	NOUN
ajeer-194	1	9	:	:	PUNCT
ajeer-194	1	10	2409	2409	NUM
ajeer-194	1	11	-	-	SYM
ajeer-194	1	12	2622	2622	NUM
ajeer-194	1	13	vol	vol	NOUN
ajeer-194	1	14	.	.	PROPN
ajeer-194	2	1	2	2	NUM
ajeer-194	2	2	,	,	PUNCT
ajeer-194	2	3	no	no	INTJ
ajeer-194	2	4	.	.	NOUN
ajeer-194	2	5	1	1	NUM
ajeer-194	2	6	,	,	PUNCT
ajeer-194	2	7	1	1	NUM
ajeer-194	2	8	-	-	SYM
ajeer-194	2	9	7	7	NUM
ajeer-194	2	10	,	,	PUNCT
ajeer-194	2	11	2015	2015	NUM
ajeer-194	2	12	http://asianonlinejournals.com/index.php/ajeer	http://asianonlinejournals.com/index.php/ajeer	NOUN
ajeer-194	2	13	*	*	PUNCT
ajeer-194	2	14	corresponding	correspond	VERB
ajeer-194	2	15	author	author	NOUN
ajeer-194	2	16	1	1	NUM
ajeer-194	2	17	determinants	determinant	NOUN
ajeer-194	2	18	of	of	ADP
ajeer-194	2	19	bank	bank	NOUN
ajeer-194	2	20	deposits	deposit	NOUN
ajeer-194	2	21	in	in	ADP
ajeer-194	2	22	ghana	ghana	PROPN
ajeer-194	2	23	:	:	PUNCT
ajeer-194	2	24	a	a	DET
ajeer-194	2	25	cointegration	cointegration	NOUN
ajeer-194	2	26	approcah	approcah	VERB
ajeer-194	2	27	otu	otu	PROPN
ajeer-194	2	28	larbi	larbi	PROPN
ajeer-194	2	29	-	-	PUNCT
ajeer-194	2	30	siaw	siaw	NOUN
ajeer-194	2	31	1	1	NUM
ajeer-194	2	32	*	*	PUNCT
ajeer-194	2	33	--	--	PUNCT
ajeer-194	2	34	peter	peter	PROPN
ajeer-194	2	35	angmor	angmor	PROPN
ajeer-194	2	36	lawer	lawer	PROPN
ajeer-194	2	37	2	2	NUM
ajeer-194	2	38	1,2	1,2	NUM
ajeer-194	2	39	ghana	ghana	PROPN
ajeer-194	2	40	technology	technology	PROPN
ajeer-194	2	41	university	university	PROPN
ajeer-194	2	42	college	college	NOUN
ajeer-194	2	43	,	,	PUNCT
ajeer-194	2	44	it	it	PRON
ajeer-194	2	45	business	business	NOUN
ajeer-194	2	46	,	,	PUNCT
ajeer-194	2	47	ghana	ghana	PROPN
ajeer-194	2	48	abstract	abstract	ADV
ajeer-194	2	49	this	this	DET
ajeer-194	2	50	work	work	NOUN
ajeer-194	2	51	is	be	AUX
ajeer-194	2	52	licensed	license	VERB
ajeer-194	2	53	under	under	ADP
ajeer-194	2	54	a	a	DET
ajeer-194	2	55	creative	creative	ADJ
ajeer-194	2	56	commons	common	NOUN
ajeer-194	2	57	attribution	attribution	NOUN
ajeer-194	2	58	3.0	3.0	NUM
ajeer-194	2	59	license	license	NOUN
ajeer-194	2	60	asian	asian	ADJ
ajeer-194	2	61	online	online	PROPN
ajeer-194	2	62	journal	journal	PROPN
ajeer-194	2	63	publishing	publishing	NOUN
ajeer-194	2	64	group	group	NOUN
ajeer-194	2	65	contents	content	VERB
ajeer-194	2	66	1	1	NUM
ajeer-194	2	67	.	.	PUNCT
ajeer-194	3	1	introduction	introduction	NOUN
ajeer-194	3	2	.................................................................................................................................................................................	.................................................................................................................................................................................	NUM
ajeer-194	3	3	2	2	NUM
ajeer-194	3	4	2	2	NUM
ajeer-194	3	5	.	.	PUNCT
ajeer-194	3	6	literature	literature	PROPN
ajeer-194	3	7	review	review	PROPN
ajeer-194	3	8	........................................................................................................................................................................	........................................................................................................................................................................	PROPN
ajeer-194	4	1	2	2	NUM
ajeer-194	4	2	3	3	NUM
ajeer-194	4	3	.	.	PUNCT
ajeer-194	4	4	methodology	methodology	NOUN
ajeer-194	4	5	................................................................................................................................................................................	................................................................................................................................................................................	PUNCT
ajeer-194	4	6	4	4	NUM
ajeer-194	4	7	4	4	NUM
ajeer-194	4	8	.	.	PUNCT
ajeer-194	4	9	data	datum	NOUN
ajeer-194	4	10	analysis	analysis	NOUN
ajeer-194	4	11	and	and	CCONJ
ajeer-194	4	12	findings	finding	NOUN
ajeer-194	4	13	........................................................................................................................................................	........................................................................................................................................................	VERB
ajeer-194	5	1	5	5	NUM
ajeer-194	5	2	5	5	NUM
ajeer-194	5	3	.	.	PUNCT
ajeer-194	5	4	conclusion	conclusion	NOUN
ajeer-194	5	5	....................................................................................................................................................................................	....................................................................................................................................................................................	VERB
ajeer-194	5	6	6	6	NUM
ajeer-194	5	7	references	reference	NOUN
ajeer-194	5	8	........................................................................................................................................................................................	........................................................................................................................................................................................	PUNCT
ajeer-194	5	9	6	6	NUM
ajeer-194	5	10	bibliography	bibliography	NOUN
ajeer-194	5	11	....................................................................................................................................................................................	....................................................................................................................................................................................	VERB
ajeer-194	5	12	7	7	NUM
ajeer-194	5	13	the	the	DET
ajeer-194	5	14	study	study	NOUN
ajeer-194	5	15	investigates	investigate	VERB
ajeer-194	5	16	the	the	DET
ajeer-194	5	17	influence	influence	NOUN
ajeer-194	5	18	of	of	ADP
ajeer-194	5	19	selected	select	VERB
ajeer-194	5	20	macroeconomic	macroeconomic	ADJ
ajeer-194	5	21	and	and	CCONJ
ajeer-194	5	22	financial	financial	ADJ
ajeer-194	5	23	level	level	NOUN
ajeer-194	5	24	variables	variable	NOUN
ajeer-194	5	25	on	on	ADP
ajeer-194	5	26	bank	bank	NOUN
ajeer-194	5	27	deposits	deposit	NOUN
ajeer-194	5	28	in	in	ADP
ajeer-194	5	29	ghana	ghana	PROPN
ajeer-194	5	30	.	.	PUNCT
ajeer-194	6	1	it	it	PRON
ajeer-194	6	2	specifically	specifically	ADV
ajeer-194	6	3	examines	examine	VERB
ajeer-194	6	4	the	the	DET
ajeer-194	6	5	dynamic	dynamic	ADJ
ajeer-194	6	6	effect	effect	NOUN
ajeer-194	6	7	of	of	ADP
ajeer-194	6	8	deposit	deposit	NOUN
ajeer-194	6	9	interest	interest	NOUN
ajeer-194	6	10	rate	rate	NOUN
ajeer-194	6	11	,	,	PUNCT
ajeer-194	6	12	inflation	inflation	NOUN
ajeer-194	6	13	,	,	PUNCT
ajeer-194	6	14	monetary	monetary	ADJ
ajeer-194	6	15	policy	policy	NOUN
ajeer-194	6	16	rate	rate	NOUN
ajeer-194	6	17	,	,	PUNCT
ajeer-194	6	18	growth	growth	NOUN
ajeer-194	6	19	of	of	ADP
ajeer-194	6	20	money	money	NOUN
ajeer-194	6	21	supply	supply	NOUN
ajeer-194	6	22	and	and	CCONJ
ajeer-194	6	23	stock	stock	NOUN
ajeer-194	6	24	prices	price	NOUN
ajeer-194	6	25	(	(	PUNCT
ajeer-194	6	26	all	all	DET
ajeer-194	6	27	share	share	NOUN
ajeer-194	6	28	index	index	NOUN
ajeer-194	6	29	)	)	PUNCT
ajeer-194	6	30	on	on	ADP
ajeer-194	6	31	the	the	DET
ajeer-194	6	32	level	level	NOUN
ajeer-194	6	33	of	of	ADP
ajeer-194	6	34	bank	bank	NOUN
ajeer-194	6	35	deposits	deposit	NOUN
ajeer-194	6	36	.	.	PUNCT
ajeer-194	7	1	the	the	DET
ajeer-194	7	2	dataset	dataset	NOUN
ajeer-194	7	3	for	for	ADP
ajeer-194	7	4	the	the	DET
ajeer-194	7	5	study	study	NOUN
ajeer-194	7	6	consisted	consist	VERB
ajeer-194	7	7	of	of	ADP
ajeer-194	7	8	quarterly	quarterly	ADJ
ajeer-194	7	9	data	datum	NOUN
ajeer-194	7	10	spanning	span	VERB
ajeer-194	7	11	the	the	DET
ajeer-194	7	12	years	year	NOUN
ajeer-194	7	13	of	of	ADP
ajeer-194	7	14	2000	2000	NUM
ajeer-194	7	15	to	to	ADP
ajeer-194	7	16	2013	2013	NUM
ajeer-194	7	17	gathered	gather	VERB
ajeer-194	7	18	from	from	ADP
ajeer-194	7	19	the	the	DET
ajeer-194	7	20	bank	bank	NOUN
ajeer-194	7	21	of	of	ADP
ajeer-194	7	22	ghana	ghana	PROPN
ajeer-194	7	23	(	(	PUNCT
ajeer-194	7	24	bog	bog	NOUN
ajeer-194	7	25	)	)	PUNCT
ajeer-194	7	26	monetary	monetary	ADJ
ajeer-194	7	27	time	time	NOUN
ajeer-194	7	28	series	series	PROPN
ajeer-194	7	29	database	database	PROPN
ajeer-194	7	30	and	and	CCONJ
ajeer-194	7	31	the	the	DET
ajeer-194	7	32	world	world	PROPN
ajeer-194	7	33	development	development	PROPN
ajeer-194	7	34	indicator	indicator	PROPN
ajeer-194	7	35	(	(	PUNCT
ajeer-194	7	36	wdi	wdi	NOUN
ajeer-194	7	37	)	)	PUNCT
ajeer-194	7	38	database	database	NOUN
ajeer-194	7	39	.	.	PUNCT
ajeer-194	8	1	employing	employ	VERB
ajeer-194	8	2	a	a	DET
ajeer-194	8	3	co	co	NOUN
ajeer-194	8	4	-	-	NOUN
ajeer-194	8	5	integration	integration	NOUN
ajeer-194	8	6	analysis	analysis	NOUN
ajeer-194	8	7	and	and	CCONJ
ajeer-194	8	8	fully	fully	ADV
ajeer-194	8	9	modified	modify	VERB
ajeer-194	8	10	ordinary	ordinary	ADJ
ajeer-194	8	11	least	least	ADJ
ajeer-194	8	12	square	square	ADJ
ajeer-194	8	13	(	(	PUNCT
ajeer-194	8	14	fmols	fmol	NOUN
ajeer-194	8	15	)	)	PUNCT
ajeer-194	8	16	,	,	PUNCT
ajeer-194	8	17	both	both	CCONJ
ajeer-194	8	18	short	short	ADJ
ajeer-194	8	19	and	and	CCONJ
ajeer-194	8	20	long	long	ADJ
ajeer-194	8	21	run	run	NOUN
ajeer-194	8	22	elasticity	elasticity	NOUN
ajeer-194	8	23	’s	’s	NOUN
ajeer-194	8	24	of	of	ADP
ajeer-194	8	25	the	the	DET
ajeer-194	8	26	model	model	NOUN
ajeer-194	8	27	are	be	AUX
ajeer-194	8	28	estimated	estimate	VERB
ajeer-194	8	29	.	.	PUNCT
ajeer-194	9	1	the	the	DET
ajeer-194	9	2	preliminary	preliminary	ADJ
ajeer-194	9	3	test	test	NOUN
ajeer-194	9	4	for	for	ADP
ajeer-194	9	5	unit	unit	NOUN
ajeer-194	9	6	root	root	NOUN
ajeer-194	9	7	indicated	indicate	VERB
ajeer-194	9	8	that	that	SCONJ
ajeer-194	9	9	all	all	DET
ajeer-194	9	10	the	the	DET
ajeer-194	9	11	variables	variable	NOUN
ajeer-194	9	12	are	be	AUX
ajeer-194	9	13	integrated	integrate	VERB
ajeer-194	9	14	of	of	ADP
ajeer-194	9	15	order	order	NOUN
ajeer-194	9	16	one	one	NUM
ajeer-194	9	17	(	(	PUNCT
ajeer-194	9	18	an	an	DET
ajeer-194	9	19	i	i	NOUN
ajeer-194	9	20	(	(	PUNCT
ajeer-194	9	21	1	1	NUM
ajeer-194	9	22	)	)	PUNCT
ajeer-194	9	23	process	process	NOUN
ajeer-194	9	24	)	)	PUNCT
ajeer-194	9	25	and	and	CCONJ
ajeer-194	9	26	the	the	DET
ajeer-194	9	27	cointegration	cointegration	NOUN
ajeer-194	9	28	revealed	reveal	VERB
ajeer-194	9	29	the	the	DET
ajeer-194	9	30	presence	presence	NOUN
ajeer-194	9	31	of	of	ADP
ajeer-194	9	32	one	one	NUM
ajeer-194	9	33	co	co	ADJ
ajeer-194	9	34	-	-	ADJ
ajeer-194	9	35	integrating	integrating	ADJ
ajeer-194	9	36	equation	equation	NOUN
ajeer-194	9	37	.	.	PUNCT
ajeer-194	10	1	empirical	empirical	ADJ
ajeer-194	10	2	findings	finding	NOUN
ajeer-194	10	3	form	form	VERB
ajeer-194	10	4	the	the	DET
ajeer-194	10	5	study	study	NOUN
ajeer-194	10	6	indicates	indicate	VERB
ajeer-194	10	7	a	a	DET
ajeer-194	10	8	significantly	significantly	ADV
ajeer-194	10	9	negative	negative	ADJ
ajeer-194	10	10	short	short	ADJ
ajeer-194	10	11	-	-	PUNCT
ajeer-194	10	12	term	term	NOUN
ajeer-194	10	13	impact	impact	NOUN
ajeer-194	10	14	of	of	ADP
ajeer-194	10	15	both	both	DET
ajeer-194	10	16	inflation	inflation	NOUN
ajeer-194	10	17	and	and	CCONJ
ajeer-194	10	18	growth	growth	NOUN
ajeer-194	10	19	of	of	ADP
ajeer-194	10	20	money	money	NOUN
ajeer-194	10	21	supply	supply	NOUN
ajeer-194	10	22	of	of	ADP
ajeer-194	10	23	bank	bank	NOUN
ajeer-194	10	24	deposits	deposit	NOUN
ajeer-194	10	25	in	in	ADP
ajeer-194	10	26	ghana	ghana	PROPN
ajeer-194	10	27	.	.	PUNCT
ajeer-194	11	1	the	the	DET
ajeer-194	11	2	long	long	ADV
ajeer-194	11	3	-	-	PUNCT
ajeer-194	11	4	run	run	NOUN
ajeer-194	11	5	effects	effect	NOUN
ajeer-194	11	6	of	of	ADP
ajeer-194	11	7	the	the	DET
ajeer-194	11	8	various	various	ADJ
ajeer-194	11	9	independent	independent	ADJ
ajeer-194	11	10	variables	variable	NOUN
ajeer-194	11	11	on	on	ADP
ajeer-194	11	12	bank	bank	NOUN
ajeer-194	11	13	deposit	deposit	NOUN
ajeer-194	11	14	are	be	AUX
ajeer-194	11	15	also	also	ADV
ajeer-194	11	16	discussed	discuss	VERB
ajeer-194	11	17	.	.	PUNCT
ajeer-194	12	1	some	some	PRON
ajeer-194	12	2	of	of	ADP
ajeer-194	12	3	the	the	DET
ajeer-194	12	4	variables	variable	NOUN
ajeer-194	12	5	conformed	conform	VERB
ajeer-194	12	6	to	to	PART
ajeer-194	12	7	priori	priori	ADJ
ajeer-194	12	8	expectations	expectation	NOUN
ajeer-194	12	9	,	,	PUNCT
ajeer-194	12	10	albeit	albeit	SCONJ
ajeer-194	12	11	insignificant	insignificant	ADJ
ajeer-194	12	12	.	.	PUNCT
ajeer-194	13	1	appropriate	appropriate	ADJ
ajeer-194	13	2	measures	measure	NOUN
ajeer-194	13	3	are	be	AUX
ajeer-194	13	4	also	also	ADV
ajeer-194	13	5	recommended	recommend	VERB
ajeer-194	13	6	based	base	VERB
ajeer-194	13	7	on	on	ADP
ajeer-194	13	8	the	the	DET
ajeer-194	13	9	findings	finding	NOUN
ajeer-194	13	10	thereof	thereof	ADV
ajeer-194	13	11	.	.	PUNCT
ajeer-194	14	1	keywords	keyword	NOUN
ajeer-194	14	2	:	:	PUNCT
ajeer-194	14	3	bank	bank	NOUN
ajeer-194	14	4	deposits	deposit	NOUN
ajeer-194	14	5	,	,	PUNCT
ajeer-194	14	6	cointegration	cointegration	NOUN
ajeer-194	14	7	,	,	PUNCT
ajeer-194	14	8	deposit	deposit	NOUN
ajeer-194	14	9	interest	interest	NOUN
ajeer-194	14	10	rate	rate	NOUN
ajeer-194	14	11	,	,	PUNCT
ajeer-194	14	12	inflation	inflation	NOUN
ajeer-194	14	13	,	,	PUNCT
ajeer-194	14	14	monetary	monetary	ADJ
ajeer-194	14	15	policy	policy	NOUN
ajeer-194	14	16	rate	rate	NOUN
ajeer-194	14	17	,	,	PUNCT
ajeer-194	14	18	growth	growth	NOUN
ajeer-194	14	19	of	of	ADP
ajeer-194	14	20	money	money	NOUN
ajeer-194	14	21	supply	supply	NOUN
ajeer-194	14	22	,	,	PUNCT
ajeer-194	14	23	all	all	DET
ajeer-194	14	24	share	share	NOUN
ajeer-194	14	25	index	index	NOUN
ajeer-194	14	26	.	.	PUNCT
ajeer-194	15	1	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajeer-194	15	2	asian	asian	PROPN
ajeer-194	15	3	journal	journal	PROPN
ajeer-194	15	4	of	of	ADP
ajeer-194	15	5	economics	economic	NOUN
ajeer-194	15	6	and	and	CCONJ
ajeer-194	15	7	empirical	empirical	ADJ
ajeer-194	15	8	research	research	NOUN
ajeer-194	15	9	,	,	PUNCT
ajeer-194	15	10	2015	2015	NUM
ajeer-194	15	11	,	,	PUNCT
ajeer-194	15	12	2(1):1	2(1):1	NUM
ajeer-194	15	13	-	-	SYM
ajeer-194	15	14	7	7	NUM
ajeer-194	15	15	2	2	NUM
ajeer-194	15	16	1	1	NUM
ajeer-194	15	17	.	.	PUNCT
ajeer-194	16	1	introduction	introduction	NOUN
ajeer-194	16	2	the	the	DET
ajeer-194	16	3	capacity	capacity	NOUN
ajeer-194	16	4	of	of	ADP
ajeer-194	16	5	ghanaian	ghanaian	ADJ
ajeer-194	16	6	banks	bank	NOUN
ajeer-194	16	7	,	,	PUNCT
ajeer-194	16	8	especially	especially	ADV
ajeer-194	16	9	commercial	commercial	ADJ
ajeer-194	16	10	banks	bank	NOUN
ajeer-194	16	11	,	,	PUNCT
ajeer-194	16	12	is	be	AUX
ajeer-194	16	13	to	to	PART
ajeer-194	16	14	accept	accept	VERB
ajeer-194	16	15	deposits	deposit	NOUN
ajeer-194	16	16	from	from	ADP
ajeer-194	16	17	the	the	DET
ajeer-194	16	18	general	general	ADJ
ajeer-194	16	19	public	public	NOUN
ajeer-194	16	20	for	for	ADP
ajeer-194	16	21	the	the	DET
ajeer-194	16	22	purport	purport	NOUN
ajeer-194	16	23	of	of	ADP
ajeer-194	16	24	lending	lending	NOUN
ajeer-194	16	25	and	and	CCONJ
ajeer-194	16	26	investment	investment	NOUN
ajeer-194	16	27	.	.	PUNCT
ajeer-194	17	1	this	this	PRON
ajeer-194	17	2	makes	make	VERB
ajeer-194	17	3	depositors	depositor	NOUN
ajeer-194	17	4	the	the	DET
ajeer-194	17	5	major	major	ADJ
ajeer-194	17	6	stakeholders	stakeholder	NOUN
ajeer-194	17	7	of	of	ADP
ajeer-194	17	8	the	the	DET
ajeer-194	17	9	banking	banking	NOUN
ajeer-194	17	10	system	system	NOUN
ajeer-194	17	11	.	.	PUNCT
ajeer-194	18	1	while	while	SCONJ
ajeer-194	18	2	sundry	sundry	ADJ
ajeer-194	18	3	deposits	deposit	VERB
ajeer-194	18	4	products	product	NOUN
ajeer-194	18	5	by	by	ADP
ajeer-194	18	6	banks	bank	NOUN
ajeer-194	18	7	are	be	AUX
ajeer-194	18	8	assigned	assign	VERB
ajeer-194	18	9	different	different	ADJ
ajeer-194	18	10	names	name	NOUN
ajeer-194	18	11	for	for	ADP
ajeer-194	18	12	which	which	PRON
ajeer-194	18	13	they	they	PRON
ajeer-194	18	14	are	be	AUX
ajeer-194	18	15	designated	designate	VERB
ajeer-194	18	16	to	to	PART
ajeer-194	18	17	accommodate	accommodate	VERB
ajeer-194	18	18	varying	vary	VERB
ajeer-194	18	19	purposes	purpose	NOUN
ajeer-194	18	20	,	,	PUNCT
ajeer-194	18	21	the	the	DET
ajeer-194	18	22	deposit	deposit	NOUN
ajeer-194	18	23	products	product	NOUN
ajeer-194	18	24	of	of	ADP
ajeer-194	18	25	commercial	commercial	ADJ
ajeer-194	18	26	banks	bank	NOUN
ajeer-194	18	27	can	can	AUX
ajeer-194	18	28	be	be	AUX
ajeer-194	18	29	broadly	broadly	ADV
ajeer-194	18	30	categorized	categorize	VERB
ajeer-194	18	31	into	into	ADP
ajeer-194	18	32	demand	demand	NOUN
ajeer-194	18	33	deposits	deposit	NOUN
ajeer-194	18	34	,	,	PUNCT
ajeer-194	18	35	savings	saving	NOUN
ajeer-194	18	36	deposits	deposit	NOUN
ajeer-194	18	37	,	,	PUNCT
ajeer-194	18	38	and	and	CCONJ
ajeer-194	18	39	term	term	NOUN
ajeer-194	18	40	or	or	CCONJ
ajeer-194	18	41	fixed	fix	VERB
ajeer-194	18	42	deposits	deposit	NOUN
ajeer-194	18	43	.	.	PUNCT
ajeer-194	19	1	the	the	DET
ajeer-194	19	2	banks	bank	NOUN
ajeer-194	19	3	provide	provide	VERB
ajeer-194	19	4	various	various	ADJ
ajeer-194	19	5	services	service	NOUN
ajeer-194	19	6	to	to	ADP
ajeer-194	19	7	sectors	sector	NOUN
ajeer-194	19	8	of	of	ADP
ajeer-194	19	9	the	the	DET
ajeer-194	19	10	economy	economy	NOUN
ajeer-194	19	11	,	,	PUNCT
ajeer-194	19	12	e.g.	e.g.	ADV
ajeer-194	19	13	,	,	PUNCT
ajeer-194	19	14	liquidity	liquidity	NOUN
ajeer-194	19	15	services	service	NOUN
ajeer-194	19	16	,	,	PUNCT
ajeer-194	19	17	information	information	NOUN
ajeer-194	19	18	,	,	PUNCT
ajeer-194	19	19	maturity	maturity	NOUN
ajeer-194	19	20	intermediation	intermediation	NOUN
ajeer-194	19	21	,	,	PUNCT
ajeer-194	19	22	transaction	transaction	NOUN
ajeer-194	19	23	cost	cost	NOUN
ajeer-194	19	24	,	,	PUNCT
ajeer-194	19	25	credit	credit	NOUN
ajeer-194	19	26	allocation	allocation	NOUN
ajeer-194	19	27	,	,	PUNCT
ajeer-194	19	28	payment	payment	NOUN
ajeer-194	19	29	services	service	NOUN
ajeer-194	19	30	,	,	PUNCT
ajeer-194	19	31	and	and	CCONJ
ajeer-194	19	32	money	money	NOUN
ajeer-194	19	33	supply	supply	NOUN
ajeer-194	19	34	services	service	NOUN
ajeer-194	19	35	,	,	PUNCT
ajeer-194	19	36	among	among	ADP
ajeer-194	19	37	others	other	NOUN
ajeer-194	19	38	(	(	PUNCT
ajeer-194	19	39	elsevier	elsevier	NOUN
ajeer-194	19	40	,	,	PUNCT
ajeer-194	19	41	2014	2014	NUM
ajeer-194	19	42	)	)	PUNCT
ajeer-194	19	43	.	.	PUNCT
ajeer-194	20	1	the	the	DET
ajeer-194	20	2	size	size	NOUN
ajeer-194	20	3	of	of	ADP
ajeer-194	20	4	the	the	DET
ajeer-194	20	5	local	local	ADJ
ajeer-194	20	6	economy	economy	NOUN
ajeer-194	20	7	and	and	CCONJ
ajeer-194	20	8	prevailing	prevail	VERB
ajeer-194	20	9	legal	legal	ADJ
ajeer-194	20	10	restrictions	restriction	NOUN
ajeer-194	20	11	as	as	ADV
ajeer-194	20	12	well	well	ADV
ajeer-194	20	13	as	as	ADP
ajeer-194	20	14	consumers	consumer	NOUN
ajeer-194	20	15	propensity	propensity	NOUN
ajeer-194	20	16	to	to	PART
ajeer-194	20	17	save	save	VERB
ajeer-194	20	18	,	,	PUNCT
ajeer-194	20	19	coupled	couple	VERB
ajeer-194	20	20	with	with	ADP
ajeer-194	20	21	other	other	ADJ
ajeer-194	20	22	financial	financial	ADJ
ajeer-194	20	23	variables	variable	NOUN
ajeer-194	20	24	have	have	VERB
ajeer-194	20	25	an	an	DET
ajeer-194	20	26	important	important	ADJ
ajeer-194	20	27	influence	influence	NOUN
ajeer-194	20	28	on	on	ADP
ajeer-194	20	29	the	the	DET
ajeer-194	20	30	growth	growth	NOUN
ajeer-194	20	31	of	of	ADP
ajeer-194	20	32	deposits	deposit	NOUN
ajeer-194	20	33	with	with	ADP
ajeer-194	20	34	banks	bank	NOUN
ajeer-194	20	35	.	.	PUNCT
ajeer-194	21	1	with	with	ADP
ajeer-194	21	2	competition	competition	NOUN
ajeer-194	21	3	intensified	intensify	VERB
ajeer-194	21	4	through	through	ADP
ajeer-194	21	5	the	the	DET
ajeer-194	21	6	process	process	NOUN
ajeer-194	21	7	of	of	ADP
ajeer-194	21	8	financial	financial	ADJ
ajeer-194	21	9	liberalization	liberalization	NOUN
ajeer-194	21	10	,	,	PUNCT
ajeer-194	21	11	banks	bank	NOUN
ajeer-194	21	12	are	be	AUX
ajeer-194	21	13	being	be	AUX
ajeer-194	21	14	compelled	compel	VERB
ajeer-194	21	15	to	to	PART
ajeer-194	21	16	compete	compete	VERB
ajeer-194	21	17	for	for	ADP
ajeer-194	21	18	deposits	deposit	NOUN
ajeer-194	21	19	in	in	ADP
ajeer-194	21	20	various	various	ADJ
ajeer-194	21	21	forms	form	NOUN
ajeer-194	21	22	(	(	PUNCT
ajeer-194	21	23	haron	haron	PROPN
ajeer-194	21	24	and	and	CCONJ
ajeer-194	21	25	wan	wan	PROPN
ajeer-194	21	26	azmi	azmi	PROPN
ajeer-194	21	27	,	,	PUNCT
ajeer-194	21	28	2006	2006	NUM
ajeer-194	21	29	)	)	PUNCT
ajeer-194	21	30	.	.	PUNCT
ajeer-194	22	1	the	the	DET
ajeer-194	22	2	banking	banking	NOUN
ajeer-194	22	3	sector	sector	NOUN
ajeer-194	22	4	in	in	ADP
ajeer-194	22	5	ghana	ghana	PROPN
ajeer-194	22	6	is	be	AUX
ajeer-194	22	7	expected	expect	VERB
ajeer-194	22	8	to	to	PART
ajeer-194	22	9	be	be	AUX
ajeer-194	22	10	very	very	ADV
ajeer-194	22	11	vibrant	vibrant	ADJ
ajeer-194	22	12	in	in	ADP
ajeer-194	22	13	coming	coming	ADJ
ajeer-194	22	14	years	year	NOUN
ajeer-194	22	15	as	as	SCONJ
ajeer-194	22	16	it	it	PRON
ajeer-194	22	17	is	be	AUX
ajeer-194	22	18	currently	currently	ADV
ajeer-194	22	19	faced	face	VERB
ajeer-194	22	20	with	with	ADP
ajeer-194	22	21	unused	unused	ADJ
ajeer-194	22	22	lending	lending	NOUN
ajeer-194	22	23	capacity	capacity	NOUN
ajeer-194	22	24	and	and	CCONJ
ajeer-194	22	25	depressed	depressed	ADJ
ajeer-194	22	26	market	market	NOUN
ajeer-194	22	27	values	value	NOUN
ajeer-194	22	28	;	;	PUNCT
ajeer-194	22	29	situations	situation	NOUN
ajeer-194	22	30	that	that	PRON
ajeer-194	22	31	leave	leave	VERB
ajeer-194	22	32	the	the	DET
ajeer-194	22	33	industry	industry	NOUN
ajeer-194	22	34	and	and	CCONJ
ajeer-194	22	35	for	for	ADP
ajeer-194	22	36	that	that	DET
ajeer-194	22	37	matter	matter	NOUN
ajeer-194	22	38	most	most	ADJ
ajeer-194	22	39	banks	bank	NOUN
ajeer-194	22	40	ripe	ripe	VERB
ajeer-194	22	41	for	for	ADP
ajeer-194	22	42	takeovers	takeover	NOUN
ajeer-194	22	43	and	and	CCONJ
ajeer-194	22	44	acquisitions	acquisition	NOUN
ajeer-194	22	45	with	with	ADP
ajeer-194	22	46	preparatory	preparatory	ADJ
ajeer-194	22	47	discussions	discussion	NOUN
ajeer-194	22	48	already	already	ADV
ajeer-194	22	49	held	hold	VERB
ajeer-194	22	50	with	with	ADP
ajeer-194	22	51	a	a	DET
ajeer-194	22	52	number	number	NOUN
ajeer-194	22	53	of	of	ADP
ajeer-194	22	54	financial	financial	ADJ
ajeer-194	22	55	institutions	institution	NOUN
ajeer-194	22	56	from	from	ADP
ajeer-194	22	57	south	south	PROPN
ajeer-194	22	58	africa	africa	PROPN
ajeer-194	22	59	(	(	PUNCT
ajeer-194	22	60	sa	sa	PROPN
ajeer-194	22	61	)	)	PUNCT
ajeer-194	22	62	and	and	CCONJ
ajeer-194	22	63	nigeria	nigeria	PROPN
ajeer-194	22	64	for	for	ADP
ajeer-194	22	65	possible	possible	ADJ
ajeer-194	22	66	acquisition	acquisition	NOUN
ajeer-194	22	67	.	.	PUNCT
ajeer-194	23	1	recent	recent	ADJ
ajeer-194	23	2	development	development	NOUN
ajeer-194	23	3	is	be	AUX
ajeer-194	23	4	the	the	DET
ajeer-194	23	5	acquisition	acquisition	NOUN
ajeer-194	23	6	of	of	ADP
ajeer-194	23	7	procredit	procredit	NOUN
ajeer-194	23	8	savings	saving	NOUN
ajeer-194	23	9	and	and	CCONJ
ajeer-194	23	10	loans	loan	NOUN
ajeer-194	23	11	company	company	NOUN
ajeer-194	23	12	ghana	ghana	PROPN
ajeer-194	23	13	limited	limit	VERB
ajeer-194	23	14	by	by	ADP
ajeer-194	23	15	fidelity	fidelity	PROPN
ajeer-194	23	16	bank	bank	PROPN
ajeer-194	23	17	ghana	ghana	PROPN
ajeer-194	23	18	limited	limit	VERB
ajeer-194	23	19	.	.	PUNCT
ajeer-194	24	1	however	however	ADV
ajeer-194	24	2	,	,	PUNCT
ajeer-194	24	3	the	the	DET
ajeer-194	24	4	nation	nation	NOUN
ajeer-194	24	5	has	have	AUX
ajeer-194	24	6	seen	see	VERB
ajeer-194	24	7	the	the	DET
ajeer-194	24	8	sale	sale	NOUN
ajeer-194	24	9	and	and	CCONJ
ajeer-194	24	10	merger	merger	NOUN
ajeer-194	24	11	of	of	ADP
ajeer-194	24	12	some	some	DET
ajeer-194	24	13	banks	bank	NOUN
ajeer-194	24	14	in	in	ADP
ajeer-194	24	15	ghana	ghana	PROPN
ajeer-194	24	16	due	due	ADP
ajeer-194	24	17	to	to	ADP
ajeer-194	24	18	the	the	DET
ajeer-194	24	19	inability	inability	NOUN
ajeer-194	24	20	of	of	ADP
ajeer-194	24	21	these	these	DET
ajeer-194	24	22	banks	bank	NOUN
ajeer-194	24	23	to	to	PART
ajeer-194	24	24	meet	meet	VERB
ajeer-194	24	25	the	the	DET
ajeer-194	24	26	bank	bank	NOUN
ajeer-194	24	27	of	of	ADP
ajeer-194	24	28	ghana	ghana	PROPN
ajeer-194	24	29	’s	’s	PART
ajeer-194	24	30	deadline	deadline	NOUN
ajeer-194	24	31	for	for	ADP
ajeer-194	24	32	the	the	DET
ajeer-194	24	33	recapitalization	recapitalization	NOUN
ajeer-194	24	34	of	of	ADP
ajeer-194	24	35	local	local	ADJ
ajeer-194	24	36	banks	bank	NOUN
ajeer-194	24	37	to	to	ADP
ajeer-194	24	38	gh¢60	gh¢60	PROPN
ajeer-194	24	39	million	million	NUM
ajeer-194	24	40	(	(	PUNCT
ajeer-194	24	41	bog	bog	NOUN
ajeer-194	24	42	,	,	PUNCT
ajeer-194	24	43	2014	2014	NUM
ajeer-194	24	44	)	)	PUNCT
ajeer-194	24	45	.	.	PUNCT
ajeer-194	25	1	deposits	deposit	NOUN
ajeer-194	25	2	from	from	ADP
ajeer-194	25	3	individuals	individual	NOUN
ajeer-194	25	4	and	and	CCONJ
ajeer-194	25	5	private	private	ADJ
ajeer-194	25	6	enterprises	enterprise	NOUN
ajeer-194	25	7	have	have	AUX
ajeer-194	25	8	been	be	AUX
ajeer-194	25	9	and	and	CCONJ
ajeer-194	25	10	continued	continue	VERB
ajeer-194	25	11	to	to	PART
ajeer-194	25	12	be	be	AUX
ajeer-194	25	13	contribute	contribute	VERB
ajeer-194	25	14	the	the	DET
ajeer-194	25	15	largest	large	ADJ
ajeer-194	25	16	share	share	NOUN
ajeer-194	25	17	of	of	ADP
ajeer-194	25	18	bank	bank	NOUN
ajeer-194	25	19	’s	’s	PART
ajeer-194	25	20	total	total	ADJ
ajeer-194	25	21	deposits	deposit	NOUN
ajeer-194	25	22	.	.	PUNCT
ajeer-194	26	1	savings	saving	NOUN
ajeer-194	26	2	according	accord	VERB
ajeer-194	26	3	to	to	ADP
ajeer-194	26	4	conventional	conventional	ADJ
ajeer-194	26	5	economists	economist	NOUN
ajeer-194	26	6	is	be	AUX
ajeer-194	26	7	the	the	DET
ajeer-194	26	8	excess	excess	ADJ
ajeer-194	26	9	income	income	NOUN
ajeer-194	26	10	over	over	ADP
ajeer-194	26	11	consumption	consumption	NOUN
ajeer-194	26	12	expenditure	expenditure	NOUN
ajeer-194	26	13	(	(	PUNCT
ajeer-194	26	14	keynes	keyne	NOUN
ajeer-194	26	15	,	,	PUNCT
ajeer-194	26	16	1936	1936	NUM
ajeer-194	26	17	)	)	PUNCT
ajeer-194	26	18	.	.	PUNCT
ajeer-194	27	1	accepting	accept	VERB
ajeer-194	27	2	deposits	deposit	NOUN
ajeer-194	27	3	is	be	AUX
ajeer-194	27	4	one	one	NUM
ajeer-194	27	5	of	of	ADP
ajeer-194	27	6	the	the	DET
ajeer-194	27	7	basic	basic	ADJ
ajeer-194	27	8	functions	function	NOUN
ajeer-194	27	9	of	of	ADP
ajeer-194	27	10	all	all	DET
ajeer-194	27	11	commercial	commercial	ADJ
ajeer-194	27	12	banks	bank	NOUN
ajeer-194	27	13	.	.	PUNCT
ajeer-194	28	1	a	a	DET
ajeer-194	28	2	number	number	NOUN
ajeer-194	28	3	of	of	ADP
ajeer-194	28	4	factors	factor	NOUN
ajeer-194	28	5	have	have	AUX
ajeer-194	28	6	been	be	AUX
ajeer-194	28	7	found	find	VERB
ajeer-194	28	8	to	to	PART
ajeer-194	28	9	influence	influence	VERB
ajeer-194	28	10	deposits	deposit	NOUN
ajeer-194	28	11	of	of	ADP
ajeer-194	28	12	bank	bank	NOUN
ajeer-194	28	13	,	,	PUNCT
ajeer-194	28	14	especially	especially	ADV
ajeer-194	28	15	commercial	commercial	ADJ
ajeer-194	28	16	banks	bank	NOUN
ajeer-194	28	17	.	.	PUNCT
ajeer-194	29	1	in	in	ADP
ajeer-194	29	2	malaysia	malaysia	PROPN
ajeer-194	29	3	,	,	PUNCT
ajeer-194	29	4	haron	haron	PROPN
ajeer-194	29	5	and	and	CCONJ
ajeer-194	29	6	wan	wan	PROPN
ajeer-194	29	7	azmi	azmi	PROPN
ajeer-194	29	8	(	(	PUNCT
ajeer-194	29	9	2006	2006	NUM
ajeer-194	29	10	)	)	PUNCT
ajeer-194	29	11	investigates	investigate	VERB
ajeer-194	29	12	the	the	DET
ajeer-194	29	13	structural	structural	ADJ
ajeer-194	29	14	determinants	determinant	NOUN
ajeer-194	29	15	of	of	ADP
ajeer-194	29	16	deposits	deposit	NOUN
ajeer-194	29	17	level	level	NOUN
ajeer-194	29	18	of	of	ADP
ajeer-194	29	19	commercial	commercial	ADJ
ajeer-194	29	20	banks	bank	NOUN
ajeer-194	29	21	.	.	PUNCT
ajeer-194	30	1	the	the	DET
ajeer-194	30	2	study	study	NOUN
ajeer-194	30	3	found	find	VERB
ajeer-194	30	4	rates	rate	NOUN
ajeer-194	30	5	of	of	ADP
ajeer-194	30	6	profit	profit	NOUN
ajeer-194	30	7	,	,	PUNCT
ajeer-194	30	8	rates	rate	NOUN
ajeer-194	30	9	of	of	ADP
ajeer-194	30	10	interest	interest	NOUN
ajeer-194	30	11	,	,	PUNCT
ajeer-194	30	12	base	base	NOUN
ajeer-194	30	13	lending	lending	NOUN
ajeer-194	30	14	rates	rate	NOUN
ajeer-194	30	15	,	,	PUNCT
ajeer-194	30	16	money	money	NOUN
ajeer-194	30	17	supply	supply	NOUN
ajeer-194	30	18	,	,	PUNCT
ajeer-194	30	19	consumer	consumer	NOUN
ajeer-194	30	20	price	price	NOUN
ajeer-194	30	21	index	index	NOUN
ajeer-194	30	22	(	(	PUNCT
ajeer-194	30	23	cpi	cpi	PROPN
ajeer-194	30	24	)	)	PUNCT
ajeer-194	30	25	,	,	PUNCT
ajeer-194	30	26	kuala	kuala	PROPN
ajeer-194	30	27	lumpur	lumpur	PROPN
ajeer-194	30	28	composite	composite	PROPN
ajeer-194	30	29	index	index	NOUN
ajeer-194	30	30	,	,	PUNCT
ajeer-194	30	31	and	and	CCONJ
ajeer-194	30	32	gross	gross	ADJ
ajeer-194	30	33	domestic	domestic	ADJ
ajeer-194	30	34	product	product	NOUN
ajeer-194	30	35	(	(	PUNCT
ajeer-194	30	36	gdp	gdp	NOUN
ajeer-194	30	37	)	)	PUNCT
ajeer-194	30	38	to	to	PART
ajeer-194	30	39	have	have	VERB
ajeer-194	30	40	significant	significant	ADJ
ajeer-194	30	41	impact	impact	NOUN
ajeer-194	30	42	on	on	ADP
ajeer-194	30	43	deposits	deposit	NOUN
ajeer-194	30	44	.	.	PUNCT
ajeer-194	31	1	this	this	DET
ajeer-194	31	2	study	study	NOUN
ajeer-194	31	3	however	however	ADV
ajeer-194	31	4	employs	employ	VERB
ajeer-194	31	5	some	some	DET
ajeer-194	31	6	economic	economic	ADJ
ajeer-194	31	7	and	and	CCONJ
ajeer-194	31	8	financial	financial	ADJ
ajeer-194	31	9	variables	variable	NOUN
ajeer-194	31	10	in	in	ADP
ajeer-194	31	11	examining	examine	VERB
ajeer-194	31	12	how	how	SCONJ
ajeer-194	31	13	the	the	DET
ajeer-194	31	14	variables	variable	NOUN
ajeer-194	31	15	determine	determine	VERB
ajeer-194	31	16	deposits	deposit	NOUN
ajeer-194	31	17	of	of	ADP
ajeer-194	31	18	commercial	commercial	ADJ
ajeer-194	31	19	banks	bank	NOUN
ajeer-194	31	20	in	in	ADP
ajeer-194	31	21	ghana	ghana	PROPN
ajeer-194	31	22	.	.	PUNCT
ajeer-194	32	1	bank	bank	NOUN
ajeer-194	32	2	operations	operation	NOUN
ajeer-194	32	3	are	be	AUX
ajeer-194	32	4	usually	usually	ADV
ajeer-194	32	5	dependent	dependent	ADJ
ajeer-194	32	6	on	on	ADP
ajeer-194	32	7	demand	demand	NOUN
ajeer-194	32	8	and	and	CCONJ
ajeer-194	32	9	supply	supply	NOUN
ajeer-194	32	10	factors	factor	NOUN
ajeer-194	32	11	as	as	ADV
ajeer-194	32	12	well	well	ADV
ajeer-194	32	13	as	as	ADP
ajeer-194	32	14	legal	legal	ADJ
ajeer-194	32	15	issues	issue	NOUN
ajeer-194	32	16	.	.	PUNCT
ajeer-194	33	1	the	the	DET
ajeer-194	33	2	resource	resource	NOUN
ajeer-194	33	3	supply	supply	NOUN
ajeer-194	33	4	of	of	ADP
ajeer-194	33	5	the	the	DET
ajeer-194	33	6	bank	bank	NOUN
ajeer-194	33	7	,	,	PUNCT
ajeer-194	33	8	the	the	DET
ajeer-194	33	9	demand	demand	NOUN
ajeer-194	33	10	for	for	ADP
ajeer-194	33	11	its	its	PRON
ajeer-194	33	12	services	service	NOUN
ajeer-194	33	13	and	and	CCONJ
ajeer-194	33	14	legal	legal	ADJ
ajeer-194	33	15	requirements	requirement	NOUN
ajeer-194	33	16	are	be	AUX
ajeer-194	33	17	all	all	PRON
ajeer-194	33	18	major	major	ADJ
ajeer-194	33	19	determinants	determinant	NOUN
ajeer-194	33	20	of	of	ADP
ajeer-194	33	21	the	the	DET
ajeer-194	33	22	level	level	NOUN
ajeer-194	33	23	of	of	ADP
ajeer-194	33	24	bank	bank	NOUN
ajeer-194	33	25	operations	operation	NOUN
ajeer-194	33	26	.	.	PUNCT
ajeer-194	34	1	individual	individual	ADJ
ajeer-194	34	2	and	and	CCONJ
ajeer-194	34	3	firm	firm	ADJ
ajeer-194	34	4	deposits	deposit	NOUN
ajeer-194	34	5	at	at	ADP
ajeer-194	34	6	the	the	DET
ajeer-194	34	7	bank	bank	NOUN
ajeer-194	34	8	play	play	VERB
ajeer-194	34	9	important	important	ADJ
ajeer-194	34	10	role	role	NOUN
ajeer-194	34	11	in	in	ADP
ajeer-194	34	12	the	the	DET
ajeer-194	34	13	survival	survival	NOUN
ajeer-194	34	14	of	of	ADP
ajeer-194	34	15	commercial	commercial	ADJ
ajeer-194	34	16	banks	bank	NOUN
ajeer-194	34	17	.	.	PUNCT
ajeer-194	35	1	commercial	commercial	ADJ
ajeer-194	35	2	banks	bank	NOUN
ajeer-194	35	3	are	be	AUX
ajeer-194	35	4	recognized	recognize	VERB
ajeer-194	35	5	as	as	ADP
ajeer-194	35	6	a	a	DET
ajeer-194	35	7	vital	vital	ADJ
ajeer-194	35	8	institution	institution	NOUN
ajeer-194	35	9	in	in	ADP
ajeer-194	35	10	the	the	DET
ajeer-194	35	11	business	business	NOUN
ajeer-194	35	12	environment	environment	NOUN
ajeer-194	35	13	and	and	CCONJ
ajeer-194	35	14	in	in	ADP
ajeer-194	35	15	the	the	DET
ajeer-194	35	16	economic	economic	ADJ
ajeer-194	35	17	development	development	NOUN
ajeer-194	35	18	of	of	ADP
ajeer-194	35	19	a	a	DET
ajeer-194	35	20	nation	nation	NOUN
ajeer-194	35	21	.	.	PUNCT
ajeer-194	36	1	in	in	ADP
ajeer-194	36	2	developing	develop	VERB
ajeer-194	36	3	economies	economy	NOUN
ajeer-194	36	4	like	like	ADP
ajeer-194	36	5	ghana	ghana	PROPN
ajeer-194	36	6	,	,	PUNCT
ajeer-194	36	7	commercial	commercial	ADJ
ajeer-194	36	8	banks	bank	NOUN
ajeer-194	36	9	play	play	VERB
ajeer-194	36	10	vital	vital	ADJ
ajeer-194	36	11	role	role	NOUN
ajeer-194	36	12	in	in	ADP
ajeer-194	36	13	the	the	DET
ajeer-194	36	14	economy	economy	NOUN
ajeer-194	36	15	as	as	SCONJ
ajeer-194	36	16	they	they	PRON
ajeer-194	36	17	aid	aid	VERB
ajeer-194	36	18	individuals	individual	NOUN
ajeer-194	36	19	,	,	PUNCT
ajeer-194	36	20	and	and	CCONJ
ajeer-194	36	21	organizations	organization	NOUN
ajeer-194	36	22	(	(	PUNCT
ajeer-194	36	23	small	small	ADJ
ajeer-194	36	24	,	,	PUNCT
ajeer-194	36	25	medium	medium	ADJ
ajeer-194	36	26	,	,	PUNCT
ajeer-194	36	27	or	or	CCONJ
ajeer-194	36	28	large	large	ADJ
ajeer-194	36	29	)	)	PUNCT
ajeer-194	36	30	continue	continue	VERB
ajeer-194	36	31	to	to	PART
ajeer-194	36	32	meet	meet	VERB
ajeer-194	36	33	their	their	PRON
ajeer-194	36	34	ever	ever	ADV
ajeer-194	36	35	growing	grow	VERB
ajeer-194	36	36	credit	credit	NOUN
ajeer-194	36	37	demands	demand	NOUN
ajeer-194	36	38	.	.	PUNCT
ajeer-194	37	1	for	for	SCONJ
ajeer-194	37	2	commercial	commercial	ADJ
ajeer-194	37	3	banks	bank	NOUN
ajeer-194	37	4	to	to	PART
ajeer-194	37	5	be	be	AUX
ajeer-194	37	6	able	able	ADJ
ajeer-194	37	7	to	to	PART
ajeer-194	37	8	meet	meet	VERB
ajeer-194	37	9	this	this	DET
ajeer-194	37	10	growing	grow	VERB
ajeer-194	37	11	demand	demand	NOUN
ajeer-194	37	12	for	for	ADP
ajeer-194	37	13	credit	credit	NOUN
ajeer-194	37	14	by	by	ADP
ajeer-194	37	15	both	both	DET
ajeer-194	37	16	micro	micro	ADJ
ajeer-194	37	17	and	and	CCONJ
ajeer-194	37	18	macro	macro	ADJ
ajeer-194	37	19	units	unit	NOUN
ajeer-194	37	20	(	(	PUNCT
ajeer-194	37	21	households	household	NOUN
ajeer-194	37	22	and	and	CCONJ
ajeer-194	37	23	firms	firm	NOUN
ajeer-194	37	24	)	)	PUNCT
ajeer-194	37	25	,	,	PUNCT
ajeer-194	37	26	it	it	PRON
ajeer-194	37	27	is	be	AUX
ajeer-194	37	28	however	however	ADV
ajeer-194	37	29	necessary	necessary	ADJ
ajeer-194	37	30	to	to	PART
ajeer-194	37	31	enhance	enhance	VERB
ajeer-194	37	32	the	the	DET
ajeer-194	37	33	deposit	deposit	NOUN
ajeer-194	37	34	rate	rate	NOUN
ajeer-194	37	35	or	or	CCONJ
ajeer-194	37	36	the	the	DET
ajeer-194	37	37	willingness	willingness	NOUN
ajeer-194	37	38	of	of	ADP
ajeer-194	37	39	the	the	DET
ajeer-194	37	40	public	public	NOUN
ajeer-194	37	41	to	to	PART
ajeer-194	37	42	reduce	reduce	VERB
ajeer-194	37	43	the	the	DET
ajeer-194	37	44	propensity	propensity	NOUN
ajeer-194	37	45	to	to	PART
ajeer-194	37	46	hold	hold	VERB
ajeer-194	37	47	cash	cash	NOUN
ajeer-194	37	48	(	(	PUNCT
ajeer-194	37	49	nishat	nishat	NOUN
ajeer-194	37	50	and	and	CCONJ
ajeer-194	37	51	bilgrami	bilgrami	NOUN
ajeer-194	37	52	,	,	PUNCT
ajeer-194	37	53	1989	1989	NUM
ajeer-194	37	54	)	)	PUNCT
ajeer-194	37	55	.	.	PUNCT
ajeer-194	38	1	the	the	DET
ajeer-194	38	2	recent	recent	ADJ
ajeer-194	38	3	and	and	CCONJ
ajeer-194	38	4	persistent	persistent	ADJ
ajeer-194	38	5	increases	increase	NOUN
ajeer-194	38	6	in	in	ADP
ajeer-194	38	7	the	the	DET
ajeer-194	38	8	cost	cost	NOUN
ajeer-194	38	9	of	of	ADP
ajeer-194	38	10	living	living	NOUN
ajeer-194	38	11	resulting	result	VERB
ajeer-194	38	12	from	from	ADP
ajeer-194	38	13	major	major	ADJ
ajeer-194	38	14	cost	cost	NOUN
ajeer-194	38	15	indicators	indicator	NOUN
ajeer-194	38	16	(	(	PUNCT
ajeer-194	38	17	i.e.	i.e.	X
ajeer-194	38	18	depreciation	depreciation	NOUN
ajeer-194	38	19	of	of	ADP
ajeer-194	38	20	the	the	DET
ajeer-194	38	21	cedi	cedi	NOUN
ajeer-194	38	22	,	,	PUNCT
ajeer-194	38	23	increase	increase	NOUN
ajeer-194	38	24	in	in	ADP
ajeer-194	38	25	fuel	fuel	NOUN
ajeer-194	38	26	prices	price	NOUN
ajeer-194	38	27	,	,	PUNCT
ajeer-194	38	28	high	high	ADJ
ajeer-194	38	29	tariff	tariff	NOUN
ajeer-194	38	30	on	on	ADP
ajeer-194	38	31	imports	import	NOUN
ajeer-194	38	32	,	,	PUNCT
ajeer-194	38	33	among	among	ADP
ajeer-194	38	34	others	other	NOUN
ajeer-194	38	35	)	)	PUNCT
ajeer-194	38	36	with	with	ADP
ajeer-194	38	37	its	its	PRON
ajeer-194	38	38	associated	associated	ADJ
ajeer-194	38	39	increases	increase	NOUN
ajeer-194	38	40	in	in	ADP
ajeer-194	38	41	prices	price	NOUN
ajeer-194	38	42	of	of	ADP
ajeer-194	38	43	goods	good	NOUN
ajeer-194	38	44	and	and	CCONJ
ajeer-194	38	45	services	service	NOUN
ajeer-194	38	46	,	,	PUNCT
ajeer-194	38	47	leads	lead	VERB
ajeer-194	38	48	to	to	ADP
ajeer-194	38	49	increased	increase	VERB
ajeer-194	38	50	consumption	consumption	NOUN
ajeer-194	38	51	expenditure	expenditure	NOUN
ajeer-194	38	52	(	(	PUNCT
ajeer-194	38	53	given	give	VERB
ajeer-194	38	54	that	that	SCONJ
ajeer-194	38	55	households	household	NOUN
ajeer-194	38	56	maintain	maintain	VERB
ajeer-194	38	57	their	their	PRON
ajeer-194	38	58	level	level	NOUN
ajeer-194	38	59	or	or	CCONJ
ajeer-194	38	60	volume	volume	NOUN
ajeer-194	38	61	of	of	ADP
ajeer-194	38	62	consumption	consumption	NOUN
ajeer-194	38	63	)	)	PUNCT
ajeer-194	38	64	all	all	DET
ajeer-194	38	65	things	thing	NOUN
ajeer-194	38	66	being	be	AUX
ajeer-194	38	67	equal	equal	ADJ
ajeer-194	38	68	.	.	PUNCT
ajeer-194	39	1	this	this	DET
ajeer-194	39	2	situation	situation	NOUN
ajeer-194	39	3	leaves	leave	VERB
ajeer-194	39	4	less	less	ADJ
ajeer-194	39	5	in	in	ADP
ajeer-194	39	6	the	the	DET
ajeer-194	39	7	hands	hand	NOUN
ajeer-194	39	8	of	of	ADP
ajeer-194	39	9	individuals	individual	NOUN
ajeer-194	39	10	or	or	CCONJ
ajeer-194	39	11	households	household	NOUN
ajeer-194	39	12	to	to	PART
ajeer-194	39	13	put	put	VERB
ajeer-194	39	14	into	into	ADP
ajeer-194	39	15	savings	saving	NOUN
ajeer-194	39	16	with	with	ADP
ajeer-194	39	17	non	non	ADJ
ajeer-194	39	18	-	-	ADJ
ajeer-194	39	19	commensurate	commensurate	ADJ
ajeer-194	39	20	increases	increase	NOUN
ajeer-194	39	21	in	in	ADP
ajeer-194	39	22	incomes	income	NOUN
ajeer-194	39	23	and	and	CCONJ
ajeer-194	39	24	profits	profit	NOUN
ajeer-194	39	25	(	(	PUNCT
ajeer-194	39	26	for	for	ADP
ajeer-194	39	27	individuals	individual	NOUN
ajeer-194	39	28	and	and	CCONJ
ajeer-194	39	29	firms	firm	NOUN
ajeer-194	39	30	)	)	PUNCT
ajeer-194	39	31	.	.	PUNCT
ajeer-194	40	1	according	accord	VERB
ajeer-194	40	2	to	to	ADP
ajeer-194	40	3	the	the	DET
ajeer-194	40	4	bank	bank	PROPN
ajeer-194	40	5	of	of	ADP
ajeer-194	40	6	ghana	ghana	PROPN
ajeer-194	40	7	report	report	VERB
ajeer-194	40	8	on	on	ADP
ajeer-194	40	9	the	the	DET
ajeer-194	40	10	general	general	ADJ
ajeer-194	40	11	liquidity	liquidity	NOUN
ajeer-194	40	12	of	of	ADP
ajeer-194	40	13	the	the	DET
ajeer-194	40	14	sector	sector	NOUN
ajeer-194	40	15	,	,	PUNCT
ajeer-194	40	16	although	although	SCONJ
ajeer-194	40	17	the	the	DET
ajeer-194	40	18	central	central	ADJ
ajeer-194	40	19	bank	bank	NOUN
ajeer-194	40	20	anticipated	anticipate	VERB
ajeer-194	40	21	a	a	DET
ajeer-194	40	22	possible	possible	ADJ
ajeer-194	40	23	slowdown	slowdown	NOUN
ajeer-194	40	24	in	in	ADP
ajeer-194	40	25	economic	economic	ADJ
ajeer-194	40	26	activities	activity	NOUN
ajeer-194	40	27	the	the	DET
ajeer-194	40	28	sector	sector	NOUN
ajeer-194	40	29	is	be	AUX
ajeer-194	40	30	said	say	VERB
ajeer-194	40	31	to	to	PART
ajeer-194	40	32	still	still	ADV
ajeer-194	40	33	remain	remain	VERB
ajeer-194	40	34	strong	strong	ADJ
ajeer-194	40	35	and	and	CCONJ
ajeer-194	40	36	making	make	VERB
ajeer-194	40	37	remarkable	remarkable	ADJ
ajeer-194	40	38	strides	stride	NOUN
ajeer-194	40	39	with	with	ADP
ajeer-194	40	40	improved	improved	ADJ
ajeer-194	40	41	financial	financial	ADJ
ajeer-194	40	42	indicators	indicator	NOUN
ajeer-194	40	43	,	,	PUNCT
ajeer-194	40	44	with	with	ADP
ajeer-194	40	45	robust	robust	ADJ
ajeer-194	40	46	portfolio	portfolio	NOUN
ajeer-194	40	47	quality	quality	NOUN
ajeer-194	40	48	,	,	PUNCT
ajeer-194	40	49	earnings	earning	NOUN
ajeer-194	40	50	,	,	PUNCT
ajeer-194	40	51	liquidity	liquidity	NOUN
ajeer-194	40	52	,	,	PUNCT
ajeer-194	40	53	and	and	CCONJ
ajeer-194	40	54	capital	capital	NOUN
ajeer-194	40	55	adequacy	adequacy	NOUN
ajeer-194	40	56	.	.	PUNCT
ajeer-194	41	1	the	the	DET
ajeer-194	41	2	financial	financial	ADJ
ajeer-194	41	3	soundness	soundness	NOUN
ajeer-194	41	4	indicators	indicator	NOUN
ajeer-194	41	5	like	like	ADP
ajeer-194	41	6	inflation	inflation	NOUN
ajeer-194	41	7	,	,	PUNCT
ajeer-194	41	8	and	and	CCONJ
ajeer-194	41	9	depreciation	depreciation	NOUN
ajeer-194	41	10	of	of	ADP
ajeer-194	41	11	the	the	DET
ajeer-194	41	12	ghana	ghana	PROPN
ajeer-194	41	13	cedis	cedis	PROPN
ajeer-194	41	14	against	against	ADP
ajeer-194	41	15	the	the	DET
ajeer-194	41	16	major	major	ADJ
ajeer-194	41	17	trading	trading	NOUN
ajeer-194	41	18	currencies	currency	NOUN
ajeer-194	41	19	(	(	PUNCT
ajeer-194	41	20	british	british	ADJ
ajeer-194	41	21	pound	pound	NOUN
ajeer-194	41	22	,	,	PUNCT
ajeer-194	41	23	us	us	PROPN
ajeer-194	41	24	dollar	dollar	NOUN
ajeer-194	41	25	and	and	CCONJ
ajeer-194	41	26	the	the	DET
ajeer-194	41	27	euro	euro	NOUN
ajeer-194	41	28	)	)	PUNCT
ajeer-194	41	29	indicates	indicate	VERB
ajeer-194	41	30	that	that	SCONJ
ajeer-194	41	31	the	the	DET
ajeer-194	41	32	sector	sector	NOUN
ajeer-194	41	33	still	still	ADV
ajeer-194	41	34	remains	remain	VERB
ajeer-194	41	35	sound	sound	ADJ
ajeer-194	41	36	and	and	CCONJ
ajeer-194	41	37	solvent	solvent	NOUN
ajeer-194	41	38	(	(	PUNCT
ajeer-194	41	39	bog	bog	NOUN
ajeer-194	41	40	,	,	PUNCT
ajeer-194	41	41	2014	2014	NUM
ajeer-194	41	42	)	)	PUNCT
ajeer-194	41	43	.	.	PUNCT
ajeer-194	42	1	this	this	DET
ajeer-194	42	2	situation	situation	NOUN
ajeer-194	42	3	of	of	ADP
ajeer-194	42	4	the	the	DET
ajeer-194	42	5	banking	banking	NOUN
ajeer-194	42	6	sector	sector	NOUN
ajeer-194	42	7	contrast	contrast	VERB
ajeer-194	42	8	the	the	DET
ajeer-194	42	9	expectation	expectation	NOUN
ajeer-194	42	10	of	of	ADP
ajeer-194	42	11	changes	change	NOUN
ajeer-194	42	12	in	in	ADP
ajeer-194	42	13	the	the	DET
ajeer-194	42	14	macroeconomic	macroeconomic	ADJ
ajeer-194	42	15	variables	variable	NOUN
ajeer-194	42	16	on	on	ADP
ajeer-194	42	17	the	the	DET
ajeer-194	42	18	performance	performance	NOUN
ajeer-194	42	19	of	of	ADP
ajeer-194	42	20	the	the	DET
ajeer-194	42	21	economy	economy	NOUN
ajeer-194	42	22	,	,	PUNCT
ajeer-194	42	23	especially	especially	ADV
ajeer-194	42	24	the	the	DET
ajeer-194	42	25	banking	banking	NOUN
ajeer-194	42	26	sector	sector	NOUN
ajeer-194	42	27	(	(	PUNCT
ajeer-194	42	28	given	give	VERB
ajeer-194	42	29	the	the	DET
ajeer-194	42	30	recent	recent	ADJ
ajeer-194	42	31	depreciation	depreciation	NOUN
ajeer-194	42	32	of	of	ADP
ajeer-194	42	33	the	the	DET
ajeer-194	42	34	local	local	ADJ
ajeer-194	42	35	currency	currency	NOUN
ajeer-194	42	36	and	and	CCONJ
ajeer-194	42	37	its	its	PRON
ajeer-194	42	38	anticipated	anticipated	ADJ
ajeer-194	42	39	effect	effect	NOUN
ajeer-194	42	40	on	on	ADP
ajeer-194	42	41	savings	saving	NOUN
ajeer-194	42	42	behavior	behavior	NOUN
ajeer-194	42	43	of	of	ADP
ajeer-194	42	44	households	household	NOUN
ajeer-194	42	45	and	and	CCONJ
ajeer-194	42	46	firms	firm	NOUN
ajeer-194	42	47	)	)	PUNCT
ajeer-194	42	48	.	.	PUNCT
ajeer-194	43	1	it	it	PRON
ajeer-194	43	2	is	be	AUX
ajeer-194	43	3	therefore	therefore	ADV
ajeer-194	43	4	imperative	imperative	ADJ
ajeer-194	43	5	to	to	PART
ajeer-194	43	6	explore	explore	VERB
ajeer-194	43	7	and	and	CCONJ
ajeer-194	43	8	expose	expose	VERB
ajeer-194	43	9	the	the	DET
ajeer-194	43	10	determinants	determinant	NOUN
ajeer-194	43	11	of	of	ADP
ajeer-194	43	12	bank	bank	NOUN
ajeer-194	43	13	deposits	deposit	NOUN
ajeer-194	43	14	by	by	ADP
ajeer-194	43	15	the	the	DET
ajeer-194	43	16	general	general	ADJ
ajeer-194	43	17	public	public	NOUN
ajeer-194	43	18	in	in	ADP
ajeer-194	43	19	order	order	NOUN
ajeer-194	43	20	to	to	PART
ajeer-194	43	21	aid	aid	VERB
ajeer-194	43	22	commercial	commercial	ADJ
ajeer-194	43	23	banks	bank	NOUN
ajeer-194	43	24	succeed	succeed	VERB
ajeer-194	43	25	in	in	ADP
ajeer-194	43	26	their	their	PRON
ajeer-194	43	27	quest	quest	NOUN
ajeer-194	43	28	to	to	PART
ajeer-194	43	29	enhance	enhance	VERB
ajeer-194	43	30	customer	customer	NOUN
ajeer-194	43	31	deposits	deposit	NOUN
ajeer-194	43	32	in	in	ADP
ajeer-194	43	33	the	the	DET
ajeer-194	43	34	face	face	NOUN
ajeer-194	43	35	of	of	ADP
ajeer-194	43	36	the	the	DET
ajeer-194	43	37	current	current	ADJ
ajeer-194	43	38	economic	economic	ADJ
ajeer-194	43	39	dispensation	dispensation	NOUN
ajeer-194	43	40	.	.	PUNCT
ajeer-194	44	1	2	2	X
ajeer-194	44	2	.	.	X
ajeer-194	44	3	literature	literature	NOUN
ajeer-194	44	4	review	review	VERB
ajeer-194	44	5	2.1	2.1	NUM
ajeer-194	44	6	.	.	PUNCT
ajeer-194	45	1	theories	theory	NOUN
ajeer-194	45	2	of	of	ADP
ajeer-194	45	3	savings	saving	NOUN
ajeer-194	45	4	behaviour	behaviour	NOUN
ajeer-194	45	5	according	accord	VERB
ajeer-194	45	6	to	to	ADP
ajeer-194	45	7	haron	haron	PROPN
ajeer-194	45	8	and	and	CCONJ
ajeer-194	45	9	wan	wan	PROPN
ajeer-194	45	10	azmi	azmi	PROPN
ajeer-194	45	11	(	(	PUNCT
ajeer-194	45	12	2006	2006	NUM
ajeer-194	45	13	)	)	PUNCT
ajeer-194	46	1	,	,	PUNCT
ajeer-194	46	2	there	there	PRON
ajeer-194	46	3	are	be	VERB
ajeer-194	46	4	three	three	NUM
ajeer-194	46	5	theories	theory	NOUN
ajeer-194	46	6	of	of	ADP
ajeer-194	46	7	savings	saving	NOUN
ajeer-194	46	8	from	from	ADP
ajeer-194	46	9	the	the	DET
ajeer-194	46	10	depositor	depositor	NOUN
ajeer-194	46	11	’s	’s	PART
ajeer-194	46	12	perspective	perspective	NOUN
ajeer-194	46	13	:	:	PUNCT
ajeer-194	46	14	the	the	DET
ajeer-194	46	15	traditional	traditional	ADJ
ajeer-194	46	16	models	model	NOUN
ajeer-194	46	17	of	of	ADP
ajeer-194	46	18	the	the	DET
ajeer-194	46	19	life	life	NOUN
ajeer-194	46	20	-	-	PUNCT
ajeer-194	46	21	cycle	cycle	NOUN
ajeer-194	46	22	hypothesis	hypothesis	NOUN
ajeer-194	46	23	by	by	ADP
ajeer-194	46	24	modigliani	modigliani	PROPN
ajeer-194	46	25	and	and	CCONJ
ajeer-194	46	26	brumberg	brumberg	PROPN
ajeer-194	46	27	(	(	PUNCT
ajeer-194	46	28	1954	1954	NUM
ajeer-194	46	29	)	)	PUNCT
ajeer-194	46	30	,	,	PUNCT
ajeer-194	46	31	the	the	DET
ajeer-194	46	32	permanent	permanent	ADJ
ajeer-194	46	33	income	income	NOUN
ajeer-194	46	34	hypothesis	hypothesis	NOUN
ajeer-194	46	35	(	(	PUNCT
ajeer-194	46	36	friedman	friedman	NOUN
ajeer-194	46	37	,	,	PUNCT
ajeer-194	46	38	1957	1957	NUM
ajeer-194	46	39	)	)	PUNCT
ajeer-194	46	40	,	,	PUNCT
ajeer-194	46	41	and	and	CCONJ
ajeer-194	46	42	the	the	DET
ajeer-194	46	43	buffer	buffer	NOUN
ajeer-194	46	44	-	-	PUNCT
ajeer-194	46	45	stock	stock	NOUN
ajeer-194	46	46	theory	theory	NOUN
ajeer-194	46	47	(	(	PUNCT
ajeer-194	46	48	deaton	deaton	PROPN
ajeer-194	46	49	,	,	PUNCT
ajeer-194	46	50	1991	1991	NUM
ajeer-194	46	51	;	;	PUNCT
ajeer-194	46	52	carroll	carroll	PROPN
ajeer-194	46	53	christopher	christopher	PROPN
ajeer-194	46	54	,	,	PUNCT
ajeer-194	46	55	1992	1992	NUM
ajeer-194	46	56	)	)	PUNCT
ajeer-194	46	57	.	.	PUNCT
ajeer-194	47	1	these	these	DET
ajeer-194	47	2	theories	theory	NOUN
ajeer-194	47	3	explain	explain	VERB
ajeer-194	47	4	why	why	SCONJ
ajeer-194	47	5	the	the	DET
ajeer-194	47	6	individual	individual	ADJ
ajeer-194	47	7	depositor	depositor	NOUN
ajeer-194	47	8	would	would	AUX
ajeer-194	47	9	like	like	VERB
ajeer-194	47	10	to	to	PART
ajeer-194	47	11	hold	hold	VERB
ajeer-194	47	12	part	part	NOUN
ajeer-194	47	13	of	of	ADP
ajeer-194	47	14	his	his	PRON
ajeer-194	47	15	or	or	CCONJ
ajeer-194	47	16	her	her	PRON
ajeer-194	47	17	asset	asset	NOUN
ajeer-194	47	18	portfolios	portfolio	NOUN
ajeer-194	47	19	in	in	ADP
ajeer-194	47	20	savings	saving	NOUN
ajeer-194	47	21	.	.	PUNCT
ajeer-194	48	1	2.2	2.2	NUM
ajeer-194	48	2	.	.	PUNCT
ajeer-194	49	1	the	the	DET
ajeer-194	49	2	life	life	NOUN
ajeer-194	49	3	-	-	PUNCT
ajeer-194	49	4	cycle	cycle	NOUN
ajeer-194	49	5	hypothesis	hypothesis	NOUN
ajeer-194	49	6	of	of	ADP
ajeer-194	49	7	savings	saving	NOUN
ajeer-194	49	8	this	this	DET
ajeer-194	49	9	model	model	NOUN
ajeer-194	49	10	of	of	ADP
ajeer-194	49	11	savings	saving	NOUN
ajeer-194	49	12	,	,	PUNCT
ajeer-194	49	13	the	the	DET
ajeer-194	49	14	life	life	NOUN
ajeer-194	49	15	-	-	PUNCT
ajeer-194	49	16	cycle	cycle	NOUN
ajeer-194	49	17	hypothesis	hypothesis	NOUN
ajeer-194	49	18	was	be	AUX
ajeer-194	49	19	developed	develop	VERB
ajeer-194	49	20	by	by	ADP
ajeer-194	49	21	franco	franco	PROPN
ajeer-194	49	22	modigliani	modigliani	PROPN
ajeer-194	49	23	and	and	CCONJ
ajeer-194	49	24	his	his	PRON
ajeer-194	49	25	student	student	NOUN
ajeer-194	49	26	,	,	PUNCT
ajeer-194	49	27	richard	richard	PROPN
ajeer-194	49	28	brumberg	brumberg	PROPN
ajeer-194	49	29	in	in	ADP
ajeer-194	49	30	the	the	DET
ajeer-194	49	31	early	early	ADJ
ajeer-194	49	32	1950s	1950s	NUM
ajeer-194	49	33	.	.	PUNCT
ajeer-194	50	1	according	accord	VERB
ajeer-194	50	2	to	to	ADP
ajeer-194	50	3	them	they	PRON
ajeer-194	50	4	,	,	PUNCT
ajeer-194	50	5	the	the	DET
ajeer-194	50	6	rational	rational	ADJ
ajeer-194	50	7	individuals	individual	NOUN
ajeer-194	50	8	makes	make	VERB
ajeer-194	50	9	their	their	PRON
ajeer-194	50	10	consumption	consumption	NOUN
ajeer-194	50	11	decision	decision	NOUN
ajeer-194	50	12	based	base	VERB
ajeer-194	50	13	on	on	ADP
ajeer-194	50	14	the	the	DET
ajeer-194	50	15	resources	resource	NOUN
ajeer-194	50	16	available	available	ADJ
ajeer-194	50	17	to	to	ADP
ajeer-194	50	18	them	they	PRON
ajeer-194	50	19	over	over	ADP
ajeer-194	50	20	their	their	PRON
ajeer-194	50	21	life	life	NOUN
ajeer-194	50	22	time	time	NOUN
ajeer-194	50	23	,	,	PUNCT
ajeer-194	50	24	and	and	CCONJ
ajeer-194	50	25	also	also	ADV
ajeer-194	50	26	on	on	ADP
ajeer-194	50	27	their	their	PRON
ajeer-194	50	28	stages	stage	NOUN
ajeer-194	50	29	in	in	ADP
ajeer-194	50	30	the	the	DET
ajeer-194	50	31	life	life	NOUN
ajeer-194	50	32	cycle	cycle	NOUN
ajeer-194	50	33	.	.	PUNCT
ajeer-194	51	1	thus	thus	ADV
ajeer-194	51	2	,	,	PUNCT
ajeer-194	51	3	the	the	DET
ajeer-194	51	4	life	life	NOUN
ajeer-194	51	5	-	-	PUNCT
ajeer-194	51	6	cycle	cycle	NOUN
ajeer-194	51	7	hypothesis	hypothesis	NOUN
ajeer-194	51	8	of	of	ADP
ajeer-194	51	9	savings	saving	NOUN
ajeer-194	51	10	postulates	postulate	NOUN
ajeer-194	51	11	that	that	SCONJ
ajeer-194	51	12	the	the	DET
ajeer-194	51	13	individual	individual	NOUN
ajeer-194	51	14	’s	’s	PART
ajeer-194	51	15	consumption	consumption	NOUN
ajeer-194	51	16	in	in	ADP
ajeer-194	51	17	a	a	DET
ajeer-194	51	18	particular	particular	ADJ
ajeer-194	51	19	period	period	NOUN
ajeer-194	51	20	depend	depend	VERB
ajeer-194	51	21	on	on	ADP
ajeer-194	51	22	their	their	PRON
ajeer-194	51	23	expectation	expectation	NOUN
ajeer-194	51	24	about	about	ADP
ajeer-194	51	25	lifetime	lifetime	NOUN
ajeer-194	51	26	income	income	NOUN
ajeer-194	51	27	so	so	SCONJ
ajeer-194	51	28	as	as	SCONJ
ajeer-194	51	29	to	to	PART
ajeer-194	51	30	ensure	ensure	VERB
ajeer-194	51	31	a	a	DET
ajeer-194	51	32	smooth	smooth	ADJ
ajeer-194	51	33	consumption	consumption	NOUN
ajeer-194	51	34	pattern	pattern	NOUN
ajeer-194	51	35	over	over	ADP
ajeer-194	51	36	the	the	DET
ajeer-194	51	37	lifetime	lifetime	NOUN
ajeer-194	51	38	.	.	PUNCT
ajeer-194	52	1	further	far	ADV
ajeer-194	52	2	,	,	PUNCT
ajeer-194	52	3	the	the	DET
ajeer-194	52	4	model	model	NOUN
ajeer-194	52	5	predicts	predict	VERB
ajeer-194	52	6	that	that	SCONJ
ajeer-194	52	7	in	in	ADP
ajeer-194	52	8	order	order	NOUN
ajeer-194	52	9	to	to	PART
ajeer-194	52	10	ensure	ensure	VERB
ajeer-194	52	11	a	a	DET
ajeer-194	52	12	smooth	smooth	ADJ
ajeer-194	52	13	level	level	NOUN
ajeer-194	52	14	of	of	ADP
ajeer-194	52	15	consumption	consumption	NOUN
ajeer-194	52	16	over	over	ADP
ajeer-194	52	17	time	time	NOUN
ajeer-194	52	18	,	,	PUNCT
ajeer-194	52	19	by	by	ADP
ajeer-194	52	20	individual	individual	NOUN
ajeer-194	52	21	tend	tend	VERB
ajeer-194	52	22	to	to	PART
ajeer-194	52	23	save	save	VERB
ajeer-194	52	24	more	more	ADJ
ajeer-194	52	25	in	in	ADP
ajeer-194	52	26	the	the	DET
ajeer-194	52	27	early	early	ADJ
ajeer-194	52	28	ages	age	NOUN
ajeer-194	52	29	of	of	ADP
ajeer-194	52	30	asian	asian	ADJ
ajeer-194	52	31	journal	journal	NOUN
ajeer-194	52	32	of	of	ADP
ajeer-194	52	33	economics	economic	NOUN
ajeer-194	52	34	and	and	CCONJ
ajeer-194	52	35	empirical	empirical	ADJ
ajeer-194	52	36	research	research	NOUN
ajeer-194	52	37	,	,	PUNCT
ajeer-194	52	38	2015	2015	NUM
ajeer-194	52	39	,	,	PUNCT
ajeer-194	52	40	2(1):1	2(1):1	NUM
ajeer-194	52	41	-	-	SYM
ajeer-194	52	42	7	7	NUM
ajeer-194	52	43	3	3	NUM
ajeer-194	52	44	life	life	NOUN
ajeer-194	52	45	in	in	ADP
ajeer-194	52	46	order	order	NOUN
ajeer-194	52	47	to	to	PART
ajeer-194	52	48	provide	provide	VERB
ajeer-194	52	49	for	for	ADP
ajeer-194	52	50	retirement	retirement	NOUN
ajeer-194	52	51	.	.	PUNCT
ajeer-194	53	1	this	this	DET
ajeer-194	53	2	theory	theory	NOUN
ajeer-194	53	3	assumes	assume	VERB
ajeer-194	53	4	the	the	DET
ajeer-194	53	5	individual	individual	NOUN
ajeer-194	53	6	to	to	PART
ajeer-194	53	7	be	be	AUX
ajeer-194	53	8	a	a	DET
ajeer-194	53	9	net	net	ADJ
ajeer-194	53	10	saver	saver	NOUN
ajeer-194	53	11	during	during	ADP
ajeer-194	53	12	the	the	DET
ajeer-194	53	13	early	early	ADJ
ajeer-194	53	14	stages	stage	NOUN
ajeer-194	53	15	of	of	ADP
ajeer-194	53	16	life	life	NOUN
ajeer-194	53	17	,	,	PUNCT
ajeer-194	53	18	and	and	CCONJ
ajeer-194	53	19	dissevers	dissever	NOUN
ajeer-194	53	20	during	during	ADP
ajeer-194	53	21	retirement	retirement	NOUN
ajeer-194	53	22	.	.	PUNCT
ajeer-194	54	1	and	and	CCONJ
ajeer-194	54	2	as	as	SCONJ
ajeer-194	54	3	haron	haron	PROPN
ajeer-194	54	4	and	and	CCONJ
ajeer-194	54	5	wan	wan	PROPN
ajeer-194	54	6	azmi	azmi	PROPN
ajeer-194	54	7	(	(	PUNCT
ajeer-194	54	8	2006	2006	NUM
ajeer-194	54	9	)	)	PUNCT
ajeer-194	54	10	put	put	VERB
ajeer-194	54	11	it	it	PRON
ajeer-194	54	12	,	,	PUNCT
ajeer-194	54	13	the	the	DET
ajeer-194	54	14	cornerstone	cornerstone	NOUN
ajeer-194	54	15	of	of	ADP
ajeer-194	54	16	the	the	DET
ajeer-194	54	17	life	life	NOUN
ajeer-194	54	18	-	-	PUNCT
ajeer-194	54	19	cycle	cycle	NOUN
ajeer-194	54	20	hypothesis	hypothesis	NOUN
ajeer-194	54	21	is	be	AUX
ajeer-194	54	22	age	age	NOUN
ajeer-194	54	23	related	relate	VERB
ajeer-194	54	24	consumer	consumer	NOUN
ajeer-194	54	25	heterogeneity	heterogeneity	NOUN
ajeer-194	54	26	.	.	PUNCT
ajeer-194	55	1	according	accord	VERB
ajeer-194	55	2	to	to	ADP
ajeer-194	55	3	the	the	DET
ajeer-194	55	4	predictions	prediction	NOUN
ajeer-194	55	5	of	of	ADP
ajeer-194	55	6	the	the	DET
ajeer-194	55	7	this	this	DET
ajeer-194	55	8	model	model	NOUN
ajeer-194	55	9	of	of	ADP
ajeer-194	55	10	savings	saving	NOUN
ajeer-194	55	11	,	,	PUNCT
ajeer-194	55	12	the	the	DET
ajeer-194	55	13	savings	saving	NOUN
ajeer-194	55	14	curve	curve	NOUN
ajeer-194	55	15	takes	take	VERB
ajeer-194	55	16	a	a	DET
ajeer-194	55	17	hump	hump	NOUN
ajeer-194	55	18	-	-	PUNCT
ajeer-194	55	19	shaped	shape	VERB
ajeer-194	55	20	pattern	pattern	NOUN
ajeer-194	55	21	which	which	PRON
ajeer-194	55	22	peaks	peak	VERB
ajeer-194	55	23	in	in	ADP
ajeer-194	55	24	the	the	DET
ajeer-194	55	25	middle	middle	ADJ
ajeer-194	55	26	ages	age	NOUN
ajeer-194	55	27	of	of	ADP
ajeer-194	55	28	one	one	NUM
ajeer-194	55	29	life	life	NOUN
ajeer-194	55	30	,	,	PUNCT
ajeer-194	55	31	with	with	ADP
ajeer-194	55	32	low	low	ADJ
ajeer-194	55	33	savings	saving	NOUN
ajeer-194	55	34	during	during	ADP
ajeer-194	55	35	the	the	DET
ajeer-194	55	36	young	young	ADJ
ajeer-194	55	37	and	and	CCONJ
ajeer-194	55	38	old	old	ADJ
ajeer-194	55	39	ages	age	NOUN
ajeer-194	55	40	.	.	PUNCT
ajeer-194	56	1	2.3	2.3	NUM
ajeer-194	56	2	.	.	PUNCT
ajeer-194	57	1	the	the	DET
ajeer-194	57	2	permanent	permanent	ADJ
ajeer-194	57	3	-	-	PUNCT
ajeer-194	57	4	income	income	NOUN
ajeer-194	57	5	hypothesis	hypothesis	NOUN
ajeer-194	57	6	of	of	ADP
ajeer-194	57	7	savings	saving	NOUN
ajeer-194	57	8	the	the	DET
ajeer-194	57	9	permanent	permanent	ADJ
ajeer-194	57	10	-	-	PUNCT
ajeer-194	57	11	income	income	NOUN
ajeer-194	57	12	hypothesis	hypothesis	NOUN
ajeer-194	57	13	was	be	AUX
ajeer-194	57	14	first	first	ADV
ajeer-194	57	15	propounded	propound	VERB
ajeer-194	57	16	by	by	ADP
ajeer-194	57	17	economist	economist	NOUN
ajeer-194	57	18	milton	milton	PROPN
ajeer-194	57	19	friedman	friedman	PROPN
ajeer-194	57	20	in	in	ADP
ajeer-194	57	21	his	his	PRON
ajeer-194	57	22	treatise	treatise	NOUN
ajeer-194	57	23	“	"	PUNCT
ajeer-194	57	24	a	a	DET
ajeer-194	57	25	theory	theory	NOUN
ajeer-194	57	26	of	of	ADP
ajeer-194	57	27	consumption	consumption	NOUN
ajeer-194	57	28	”	"	PUNCT
ajeer-194	57	29	in	in	ADP
ajeer-194	57	30	1957	1957	NUM
ajeer-194	57	31	.	.	PUNCT
ajeer-194	58	1	this	this	DET
ajeer-194	58	2	model	model	NOUN
ajeer-194	58	3	abstracted	abstract	VERB
ajeer-194	58	4	from	from	ADP
ajeer-194	58	5	retirement	retirement	NOUN
ajeer-194	58	6	saving	saving	NOUN
ajeer-194	58	7	decisions	decision	NOUN
ajeer-194	58	8	.	.	PUNCT
ajeer-194	59	1	this	this	DET
ajeer-194	59	2	theory	theory	NOUN
ajeer-194	59	3	distinguishes	distinguish	VERB
ajeer-194	59	4	between	between	ADP
ajeer-194	59	5	permanent	permanent	ADJ
ajeer-194	59	6	and	and	CCONJ
ajeer-194	59	7	temporary	temporary	ADJ
ajeer-194	59	8	income	income	NOUN
ajeer-194	59	9	.	.	PUNCT
ajeer-194	60	1	income	income	NOUN
ajeer-194	60	2	is	be	AUX
ajeer-194	60	3	argued	argue	VERB
ajeer-194	60	4	by	by	ADP
ajeer-194	60	5	this	this	DET
ajeer-194	60	6	model	model	NOUN
ajeer-194	60	7	to	to	PART
ajeer-194	60	8	consist	consist	VERB
ajeer-194	60	9	of	of	ADP
ajeer-194	60	10	the	the	DET
ajeer-194	60	11	permanent	permanent	ADJ
ajeer-194	60	12	(	(	PUNCT
ajeer-194	60	13	anticipated	anticipate	VERB
ajeer-194	60	14	and	and	CCONJ
ajeer-194	60	15	planned	planned	ADJ
ajeer-194	60	16	)	)	PUNCT
ajeer-194	60	17	component	component	NOUN
ajeer-194	60	18	which	which	PRON
ajeer-194	60	19	is	be	AUX
ajeer-194	60	20	the	the	DET
ajeer-194	60	21	expected	expect	VERB
ajeer-194	60	22	long	long	ADJ
ajeer-194	60	23	-	-	PUNCT
ajeer-194	60	24	term	term	NOUN
ajeer-194	60	25	average	average	ADJ
ajeer-194	60	26	income	income	NOUN
ajeer-194	60	27	,	,	PUNCT
ajeer-194	60	28	and	and	CCONJ
ajeer-194	60	29	the	the	DET
ajeer-194	60	30	temporary	temporary	ADJ
ajeer-194	60	31	(	(	PUNCT
ajeer-194	60	32	transitory	transitory	ADJ
ajeer-194	60	33	or	or	CCONJ
ajeer-194	60	34	windfall	windfall	NOUN
ajeer-194	60	35	gain	gain	NOUN
ajeer-194	60	36	or	or	CCONJ
ajeer-194	60	37	unexpected	unexpected	ADJ
ajeer-194	60	38	)	)	PUNCT
ajeer-194	60	39	component	component	NOUN
ajeer-194	60	40	.	.	PUNCT
ajeer-194	61	1	according	accord	VERB
ajeer-194	61	2	to	to	ADP
ajeer-194	61	3	the	the	DET
ajeer-194	61	4	permanent	permanent	ADJ
ajeer-194	61	5	-	-	PUNCT
ajeer-194	61	6	income	income	NOUN
ajeer-194	61	7	hypothesis	hypothesis	NOUN
ajeer-194	61	8	,	,	PUNCT
ajeer-194	61	9	consumption	consumption	NOUN
ajeer-194	61	10	at	at	ADP
ajeer-194	61	11	a	a	DET
ajeer-194	61	12	particular	particular	ADJ
ajeer-194	61	13	point	point	NOUN
ajeer-194	61	14	in	in	ADP
ajeer-194	61	15	time	time	NOUN
ajeer-194	61	16	is	be	AUX
ajeer-194	61	17	dependent	dependent	ADJ
ajeer-194	61	18	on	on	ADP
ajeer-194	61	19	not	not	PART
ajeer-194	61	20	only	only	ADV
ajeer-194	61	21	on	on	ADP
ajeer-194	61	22	one	one	NUM
ajeer-194	61	23	’s	’s	PART
ajeer-194	61	24	current	current	ADJ
ajeer-194	61	25	income	income	NOUN
ajeer-194	61	26	but	but	CCONJ
ajeer-194	61	27	also	also	ADV
ajeer-194	61	28	on	on	ADP
ajeer-194	61	29	their	their	PRON
ajeer-194	61	30	expected	expect	VERB
ajeer-194	61	31	future	future	ADJ
ajeer-194	61	32	income	income	NOUN
ajeer-194	61	33	(	(	PUNCT
ajeer-194	61	34	permanent	permanent	ADJ
ajeer-194	61	35	income	income	NOUN
ajeer-194	61	36	)	)	PUNCT
ajeer-194	61	37	.	.	PUNCT
ajeer-194	62	1	the	the	DET
ajeer-194	62	2	theory	theory	NOUN
ajeer-194	62	3	postulates	postulate	VERB
ajeer-194	62	4	that	that	SCONJ
ajeer-194	62	5	a	a	DET
ajeer-194	62	6	consumer	consumer	NOUN
ajeer-194	62	7	will	will	AUX
ajeer-194	62	8	save	save	VERB
ajeer-194	62	9	only	only	ADV
ajeer-194	62	10	if	if	SCONJ
ajeer-194	62	11	he	he	PRON
ajeer-194	62	12	expects	expect	VERB
ajeer-194	62	13	that	that	SCONJ
ajeer-194	62	14	his	his	PRON
ajeer-194	62	15	long	long	ADJ
ajeer-194	62	16	-	-	PUNCT
ajeer-194	62	17	term	term	NOUN
ajeer-194	62	18	average	average	ADJ
ajeer-194	62	19	income	income	NOUN
ajeer-194	62	20	(	(	PUNCT
ajeer-194	62	21	permanent	permanent	ADJ
ajeer-194	62	22	income	income	NOUN
ajeer-194	62	23	)	)	PUNCT
ajeer-194	62	24	will	will	AUX
ajeer-194	62	25	be	be	AUX
ajeer-194	62	26	less	less	ADJ
ajeer-194	62	27	than	than	ADP
ajeer-194	62	28	his	his	PRON
ajeer-194	62	29	current	current	ADJ
ajeer-194	62	30	income	income	NOUN
ajeer-194	62	31	.	.	PUNCT
ajeer-194	63	1	2.4	2.4	NUM
ajeer-194	63	2	.	.	PUNCT
ajeer-194	64	1	the	the	DET
ajeer-194	64	2	buffer	buffer	NOUN
ajeer-194	64	3	-	-	PUNCT
ajeer-194	64	4	stock	stock	NOUN
ajeer-194	64	5	theory	theory	NOUN
ajeer-194	64	6	of	of	ADP
ajeer-194	64	7	savings	saving	NOUN
ajeer-194	64	8	this	this	DET
ajeer-194	64	9	theory	theory	NOUN
ajeer-194	64	10	of	of	ADP
ajeer-194	64	11	saving	saving	NOUN
ajeer-194	64	12	is	be	AUX
ajeer-194	64	13	usually	usually	ADV
ajeer-194	64	14	termed	term	VERB
ajeer-194	64	15	as	as	ADP
ajeer-194	64	16	the	the	DET
ajeer-194	64	17	precautionary	precautionary	ADJ
ajeer-194	64	18	savings	saving	NOUN
ajeer-194	64	19	model	model	NOUN
ajeer-194	64	20	.	.	PUNCT
ajeer-194	65	1	it	it	PRON
ajeer-194	65	2	argues	argue	VERB
ajeer-194	65	3	that	that	SCONJ
ajeer-194	65	4	consumers	consumer	NOUN
ajeer-194	65	5	are	be	AUX
ajeer-194	65	6	impatient	impatient	ADJ
ajeer-194	65	7	and	and	CCONJ
ajeer-194	65	8	prudent	prudent	ADJ
ajeer-194	65	9	in	in	ADP
ajeer-194	65	10	the	the	DET
ajeer-194	65	11	face	face	NOUN
ajeer-194	65	12	of	of	ADP
ajeer-194	65	13	unpredictable	unpredictable	ADJ
ajeer-194	65	14	income	income	NOUN
ajeer-194	65	15	fluctuations	fluctuation	NOUN
ajeer-194	65	16	.	.	PUNCT
ajeer-194	66	1	the	the	DET
ajeer-194	66	2	buffer	buffer	NOUN
ajeer-194	66	3	-	-	PUNCT
ajeer-194	66	4	stock	stock	NOUN
ajeer-194	66	5	theory	theory	NOUN
ajeer-194	66	6	assumes	assume	VERB
ajeer-194	66	7	consumers	consumer	NOUN
ajeer-194	66	8	to	to	PART
ajeer-194	66	9	be	be	AUX
ajeer-194	66	10	impatient	impatient	ADJ
ajeer-194	66	11	because	because	SCONJ
ajeer-194	66	12	they	they	PRON
ajeer-194	66	13	resort	resort	VERB
ajeer-194	66	14	to	to	ADP
ajeer-194	66	15	borrowing	borrow	VERB
ajeer-194	66	16	against	against	ADP
ajeer-194	66	17	future	future	ADJ
ajeer-194	66	18	income	income	NOUN
ajeer-194	66	19	in	in	ADP
ajeer-194	66	20	order	order	NOUN
ajeer-194	66	21	to	to	PART
ajeer-194	66	22	meet	meet	VERB
ajeer-194	66	23	(	(	PUNCT
ajeer-194	66	24	finance	finance	NOUN
ajeer-194	66	25	)	)	PUNCT
ajeer-194	66	26	current	current	ADJ
ajeer-194	66	27	consumptions	consumption	NOUN
ajeer-194	66	28	if	if	SCONJ
ajeer-194	66	29	income	income	NOUN
ajeer-194	66	30	were	be	AUX
ajeer-194	66	31	certain	certain	ADJ
ajeer-194	66	32	,	,	PUNCT
ajeer-194	66	33	and	and	CCONJ
ajeer-194	66	34	also	also	ADV
ajeer-194	66	35	as	as	ADP
ajeer-194	66	36	prudent	prudent	ADJ
ajeer-194	66	37	because	because	SCONJ
ajeer-194	66	38	they	they	PRON
ajeer-194	66	39	have	have	VERB
ajeer-194	66	40	precautionary	precautionary	ADJ
ajeer-194	66	41	motives	motive	NOUN
ajeer-194	66	42	.	.	PUNCT
ajeer-194	67	1	to	to	PART
ajeer-194	67	2	avoid	avoid	VERB
ajeer-194	67	3	or	or	CCONJ
ajeer-194	67	4	avert	avert	VERB
ajeer-194	67	5	the	the	DET
ajeer-194	67	6	dangers	danger	NOUN
ajeer-194	67	7	associated	associate	VERB
ajeer-194	67	8	with	with	ADP
ajeer-194	67	9	future	future	ADJ
ajeer-194	67	10	fluctuations	fluctuation	NOUN
ajeer-194	67	11	in	in	ADP
ajeer-194	67	12	income	income	NOUN
ajeer-194	67	13	and	and	CCONJ
ajeer-194	67	14	also	also	ADV
ajeer-194	67	15	retain	retain	VERB
ajeer-194	67	16	a	a	DET
ajeer-194	67	17	smooth	smooth	ADJ
ajeer-194	67	18	consumption	consumption	NOUN
ajeer-194	67	19	pattern	pattern	NOUN
ajeer-194	67	20	,	,	PUNCT
ajeer-194	67	21	individuals	individual	NOUN
ajeer-194	67	22	are	be	AUX
ajeer-194	67	23	forced	force	VERB
ajeer-194	67	24	to	to	PART
ajeer-194	67	25	set	set	VERB
ajeer-194	67	26	aside	aside	ADV
ajeer-194	67	27	some	some	DET
ajeer-194	67	28	precautionary	precautionary	ADJ
ajeer-194	67	29	reserves	reserve	NOUN
ajeer-194	67	30	by	by	ADP
ajeer-194	67	31	way	way	NOUN
ajeer-194	67	32	of	of	ADP
ajeer-194	67	33	reducing	reduce	VERB
ajeer-194	67	34	current	current	ADJ
ajeer-194	67	35	consumption	consumption	NOUN
ajeer-194	67	36	in	in	ADP
ajeer-194	67	37	order	order	NOUN
ajeer-194	67	38	to	to	PART
ajeer-194	67	39	save	save	VERB
ajeer-194	67	40	against	against	ADP
ajeer-194	67	41	the	the	DET
ajeer-194	67	42	contingent	contingent	NOUN
ajeer-194	67	43	occurrences	occurrence	NOUN
ajeer-194	67	44	.	.	PUNCT
ajeer-194	68	1	therefore	therefore	ADV
ajeer-194	68	2	,	,	PUNCT
ajeer-194	68	3	one	one	PRON
ajeer-194	68	4	would	would	AUX
ajeer-194	68	5	expect	expect	VERB
ajeer-194	68	6	savings	saving	NOUN
ajeer-194	68	7	rate	rate	NOUN
ajeer-194	68	8	to	to	PART
ajeer-194	68	9	be	be	AUX
ajeer-194	68	10	pro	pro	ADJ
ajeer-194	68	11	-	-	ADJ
ajeer-194	68	12	cyclical	cyclical	ADJ
ajeer-194	68	13	,	,	PUNCT
ajeer-194	68	14	with	with	ADP
ajeer-194	68	15	individuals	individual	NOUN
ajeer-194	68	16	saving	save	VERB
ajeer-194	68	17	more	more	ADV
ajeer-194	68	18	when	when	SCONJ
ajeer-194	68	19	incomes	income	NOUN
ajeer-194	68	20	are	be	AUX
ajeer-194	68	21	higher	high	ADJ
ajeer-194	68	22	,	,	PUNCT
ajeer-194	68	23	in	in	ADP
ajeer-194	68	24	order	order	NOUN
ajeer-194	68	25	to	to	PART
ajeer-194	68	26	smoothen	smoothen	VERB
ajeer-194	68	27	consumption	consumption	NOUN
ajeer-194	68	28	in	in	ADP
ajeer-194	68	29	bad	bad	ADJ
ajeer-194	68	30	times	time	NOUN
ajeer-194	68	31	.	.	PUNCT
ajeer-194	69	1	2.5	2.5	NUM
ajeer-194	69	2	.	.	PUNCT
ajeer-194	70	1	empirical	empirical	ADJ
ajeer-194	70	2	review	review	NOUN
ajeer-194	70	3	although	although	SCONJ
ajeer-194	70	4	research	research	NOUN
ajeer-194	70	5	on	on	ADP
ajeer-194	70	6	savings	saving	NOUN
ajeer-194	70	7	behaviour	behaviour	NOUN
ajeer-194	70	8	of	of	ADP
ajeer-194	70	9	individuals	individual	NOUN
ajeer-194	70	10	is	be	AUX
ajeer-194	70	11	enormous	enormous	ADJ
ajeer-194	70	12	,	,	PUNCT
ajeer-194	70	13	much	much	ADJ
ajeer-194	70	14	has	have	AUX
ajeer-194	70	15	not	not	PART
ajeer-194	70	16	actually	actually	ADV
ajeer-194	70	17	been	be	AUX
ajeer-194	70	18	done	do	VERB
ajeer-194	70	19	on	on	ADP
ajeer-194	70	20	determinants	determinant	NOUN
ajeer-194	70	21	of	of	ADP
ajeer-194	70	22	deposit	deposit	NOUN
ajeer-194	70	23	levels	level	NOUN
ajeer-194	70	24	of	of	ADP
ajeer-194	70	25	commercial	commercial	ADJ
ajeer-194	70	26	banks	bank	NOUN
ajeer-194	70	27	.	.	PUNCT
ajeer-194	71	1	according	accord	VERB
ajeer-194	71	2	to	to	ADP
ajeer-194	71	3	haron	haron	PROPN
ajeer-194	71	4	and	and	CCONJ
ajeer-194	71	5	wan	wan	PROPN
ajeer-194	71	6	azmi	azmi	PROPN
ajeer-194	71	7	(	(	PUNCT
ajeer-194	71	8	2006	2006	NUM
ajeer-194	71	9	)	)	PUNCT
ajeer-194	71	10	,	,	PUNCT
ajeer-194	71	11	efforts	effort	NOUN
ajeer-194	71	12	has	have	AUX
ajeer-194	71	13	been	be	AUX
ajeer-194	71	14	made	make	VERB
ajeer-194	71	15	by	by	ADP
ajeer-194	71	16	some	some	DET
ajeer-194	71	17	researchers	researcher	NOUN
ajeer-194	71	18	to	to	PART
ajeer-194	71	19	examine	examine	VERB
ajeer-194	71	20	the	the	DET
ajeer-194	71	21	determinants	determinant	NOUN
ajeer-194	71	22	of	of	ADP
ajeer-194	71	23	private	private	ADJ
ajeer-194	71	24	saving	saving	NOUN
ajeer-194	71	25	and	and	CCONJ
ajeer-194	71	26	private	private	ADJ
ajeer-194	71	27	saving	saving	NOUN
ajeer-194	71	28	behaviour	behaviour	NOUN
ajeer-194	71	29	within	within	ADP
ajeer-194	71	30	countries	country	NOUN
ajeer-194	71	31	as	as	ADV
ajeer-194	71	32	well	well	ADV
ajeer-194	71	33	as	as	ADP
ajeer-194	71	34	cross	cross	ADJ
ajeer-194	71	35	-	-	ADJ
ajeer-194	71	36	country	country	ADJ
ajeer-194	71	37	comparison	comparison	NOUN
ajeer-194	71	38	of	of	ADP
ajeer-194	71	39	private	private	ADJ
ajeer-194	71	40	savings	saving	NOUN
ajeer-194	71	41	behaviour	behaviour	NOUN
ajeer-194	71	42	.	.	PUNCT
ajeer-194	72	1	in	in	ADP
ajeer-194	72	2	a	a	DET
ajeer-194	72	3	similar	similar	ADJ
ajeer-194	72	4	study	study	NOUN
ajeer-194	72	5	conducted	conduct	VERB
ajeer-194	72	6	in	in	ADP
ajeer-194	72	7	indonesia	indonesia	PROPN
ajeer-194	72	8	and	and	CCONJ
ajeer-194	72	9	employing	employ	VERB
ajeer-194	72	10	the	the	DET
ajeer-194	72	11	case	case	NOUN
ajeer-194	72	12	of	of	ADP
ajeer-194	72	13	bank	bank	NOUN
ajeer-194	72	14	muamalat	muamalat	PROPN
ajeer-194	72	15	indonesia	indonesia	PROPN
ajeer-194	72	16	,	,	PUNCT
ajeer-194	72	17	by	by	ADP
ajeer-194	72	18	mangkuto	mangkuto	NOUN
ajeer-194	72	19	(	(	PUNCT
ajeer-194	72	20	2004	2004	NUM
ajeer-194	72	21	)	)	PUNCT
ajeer-194	72	22	examined	examine	VERB
ajeer-194	72	23	the	the	DET
ajeer-194	72	24	effect	effect	NOUN
ajeer-194	72	25	bank	bank	NOUN
ajeer-194	72	26	deposit	deposit	NOUN
ajeer-194	72	27	yield	yield	NOUN
ajeer-194	72	28	and	and	CCONJ
ajeer-194	72	29	interest	interest	NOUN
ajeer-194	72	30	rate	rate	NOUN
ajeer-194	72	31	on	on	ADP
ajeer-194	72	32	the	the	DET
ajeer-194	72	33	level	level	NOUN
ajeer-194	72	34	of	of	ADP
ajeer-194	72	35	deposits	deposit	NOUN
ajeer-194	72	36	.	.	PUNCT
ajeer-194	73	1	using	use	VERB
ajeer-194	73	2	data	datum	NOUN
ajeer-194	73	3	monthly	monthly	ADV
ajeer-194	73	4	for	for	ADP
ajeer-194	73	5	the	the	DET
ajeer-194	73	6	period	period	NOUN
ajeer-194	73	7	january	january	PROPN
ajeer-194	73	8	2000	2000	NUM
ajeer-194	73	9	to	to	ADP
ajeer-194	73	10	july	july	PROPN
ajeer-194	73	11	2004	2004	NUM
ajeer-194	73	12	the	the	DET
ajeer-194	73	13	study	study	NOUN
ajeer-194	73	14	found	find	VERB
ajeer-194	73	15	a	a	DET
ajeer-194	73	16	direct	direct	ADJ
ajeer-194	73	17	correlation	correlation	NOUN
ajeer-194	73	18	between	between	ADP
ajeer-194	73	19	the	the	DET
ajeer-194	73	20	level	level	NOUN
ajeer-194	73	21	of	of	ADP
ajeer-194	73	22	islamic	islamic	PROPN
ajeer-194	73	23	bank	bank	PROPN
ajeer-194	73	24	deposit	deposit	NOUN
ajeer-194	73	25	and	and	CCONJ
ajeer-194	73	26	its	its	PRON
ajeer-194	73	27	yield	yield	NOUN
ajeer-194	73	28	which	which	PRON
ajeer-194	73	29	reflects	reflect	VERB
ajeer-194	73	30	the	the	DET
ajeer-194	73	31	attractive	attractive	ADJ
ajeer-194	73	32	nature	nature	NOUN
ajeer-194	73	33	of	of	ADP
ajeer-194	73	34	higher	high	ADJ
ajeer-194	73	35	returns	return	NOUN
ajeer-194	73	36	on	on	ADP
ajeer-194	73	37	bank	bank	NOUN
ajeer-194	73	38	deposits	deposit	NOUN
ajeer-194	73	39	.	.	PUNCT
ajeer-194	74	1	with	with	ADP
ajeer-194	74	2	a	a	DET
ajeer-194	74	3	negative	negative	ADJ
ajeer-194	74	4	correlation	correlation	NOUN
ajeer-194	74	5	between	between	ADP
ajeer-194	74	6	the	the	DET
ajeer-194	74	7	conventional	conventional	ADJ
ajeer-194	74	8	interest	interest	NOUN
ajeer-194	74	9	rate	rate	NOUN
ajeer-194	74	10	and	and	CCONJ
ajeer-194	74	11	bank	bank	NOUN
ajeer-194	74	12	deposits	deposit	NOUN
ajeer-194	74	13	,	,	PUNCT
ajeer-194	74	14	the	the	DET
ajeer-194	74	15	results	result	NOUN
ajeer-194	74	16	also	also	ADV
ajeer-194	74	17	indicated	indicate	VERB
ajeer-194	74	18	the	the	DET
ajeer-194	74	19	significance	significance	NOUN
ajeer-194	74	20	of	of	ADP
ajeer-194	74	21	interest	interest	NOUN
ajeer-194	74	22	rate	rate	NOUN
ajeer-194	74	23	in	in	ADP
ajeer-194	74	24	affecting	affect	VERB
ajeer-194	74	25	customers	customer	NOUN
ajeer-194	74	26	saving	save	VERB
ajeer-194	74	27	decisions	decision	NOUN
ajeer-194	74	28	in	in	ADP
ajeer-194	74	29	the	the	DET
ajeer-194	74	30	islamic	islamic	ADJ
ajeer-194	74	31	banks	bank	NOUN
ajeer-194	74	32	.	.	PUNCT
ajeer-194	75	1	on	on	ADP
ajeer-194	75	2	the	the	DET
ajeer-194	75	3	empirical	empirical	ADJ
ajeer-194	75	4	determinants	determinant	NOUN
ajeer-194	75	5	of	of	ADP
ajeer-194	75	6	saving	save	VERB
ajeer-194	75	7	in	in	ADP
ajeer-194	75	8	the	the	DET
ajeer-194	75	9	islamic	islamic	ADJ
ajeer-194	75	10	banks	bank	NOUN
ajeer-194	75	11	in	in	ADP
ajeer-194	75	12	indonesia	indonesia	PROPN
ajeer-194	75	13	,	,	PUNCT
ajeer-194	75	14	kasri	kasri	PROPN
ajeer-194	75	15	and	and	CCONJ
ajeer-194	75	16	kassim	kassim	PROPN
ajeer-194	75	17	(	(	PUNCT
ajeer-194	75	18	2009	2009	NUM
ajeer-194	75	19	)	)	PUNCT
ajeer-194	75	20	also	also	ADV
ajeer-194	75	21	found	find	VERB
ajeer-194	75	22	conventional	conventional	ADJ
ajeer-194	75	23	interest	interest	NOUN
ajeer-194	75	24	rate	rate	NOUN
ajeer-194	75	25	and	and	CCONJ
ajeer-194	75	26	real	real	ADJ
ajeer-194	75	27	rate	rate	NOUN
ajeer-194	75	28	of	of	ADP
ajeer-194	75	29	return	return	NOUN
ajeer-194	75	30	to	to	PART
ajeer-194	75	31	be	be	AUX
ajeer-194	75	32	significant	significant	ADJ
ajeer-194	75	33	in	in	ADP
ajeer-194	75	34	determining	determine	VERB
ajeer-194	75	35	the	the	DET
ajeer-194	75	36	level	level	NOUN
ajeer-194	75	37	of	of	ADP
ajeer-194	75	38	deposits	deposit	NOUN
ajeer-194	75	39	with	with	ADP
ajeer-194	75	40	the	the	DET
ajeer-194	75	41	islamic	islamic	ADJ
ajeer-194	75	42	banks	bank	NOUN
ajeer-194	75	43	.	.	PUNCT
ajeer-194	76	1	the	the	DET
ajeer-194	76	2	study	study	NOUN
ajeer-194	76	3	employed	employ	VERB
ajeer-194	76	4	the	the	DET
ajeer-194	76	5	cointegration	cointegration	NOUN
ajeer-194	76	6	technique	technique	NOUN
ajeer-194	76	7	,	,	PUNCT
ajeer-194	76	8	the	the	DET
ajeer-194	76	9	vector	vector	NOUN
ajeer-194	76	10	autoregressive	autoregressive	ADJ
ajeer-194	76	11	(	(	PUNCT
ajeer-194	76	12	var	var	NOUN
ajeer-194	76	13	)	)	PUNCT
ajeer-194	76	14	,	,	PUNCT
ajeer-194	76	15	and	and	CCONJ
ajeer-194	76	16	impulse	impulse	ADJ
ajeer-194	76	17	response	response	NOUN
ajeer-194	76	18	functions	function	NOUN
ajeer-194	76	19	(	(	PUNCT
ajeer-194	76	20	irf	irf	PROPN
ajeer-194	76	21	)	)	PUNCT
ajeer-194	76	22	analysis	analysis	NOUN
ajeer-194	76	23	.	.	PUNCT
ajeer-194	77	1	a	a	DET
ajeer-194	77	2	similar	similar	ADJ
ajeer-194	77	3	study	study	NOUN
ajeer-194	77	4	in	in	ADP
ajeer-194	77	5	colombia	colombia	PROPN
ajeer-194	77	6	by	by	ADP
ajeer-194	77	7	cardenas	cardenas	PROPN
ajeer-194	77	8	and	and	CCONJ
ajeer-194	77	9	andreas	andreas	PROPN
ajeer-194	77	10	(	(	PUNCT
ajeer-194	77	11	1998	1998	NUM
ajeer-194	77	12	)	)	PUNCT
ajeer-194	77	13	to	to	PART
ajeer-194	77	14	study	study	VERB
ajeer-194	77	15	savings	saving	NOUN
ajeer-194	77	16	behaviour	behaviour	NOUN
ajeer-194	77	17	revealed	reveal	VERB
ajeer-194	77	18	a	a	DET
ajeer-194	77	19	perfect	perfect	ADJ
ajeer-194	77	20	correlation	correlation	NOUN
ajeer-194	77	21	between	between	ADP
ajeer-194	77	22	savings	saving	NOUN
ajeer-194	77	23	and	and	CCONJ
ajeer-194	77	24	investment	investment	NOUN
ajeer-194	77	25	.	.	PUNCT
ajeer-194	78	1	savings	saving	NOUN
ajeer-194	78	2	was	be	AUX
ajeer-194	78	3	found	find	VERB
ajeer-194	78	4	to	to	PART
ajeer-194	78	5	positively	positively	ADV
ajeer-194	78	6	influence	influence	VERB
ajeer-194	78	7	growth	growth	NOUN
ajeer-194	78	8	;	;	PUNCT
ajeer-194	78	9	with	with	ADP
ajeer-194	78	10	urbanization	urbanization	NOUN
ajeer-194	78	11	,	,	PUNCT
ajeer-194	78	12	age	age	NOUN
ajeer-194	78	13	dependency	dependency	NOUN
ajeer-194	78	14	and	and	CCONJ
ajeer-194	78	15	higher	high	ADJ
ajeer-194	78	16	taxation	taxation	NOUN
ajeer-194	78	17	negatively	negatively	ADV
ajeer-194	78	18	affecting	affect	VERB
ajeer-194	78	19	savings	saving	NOUN
ajeer-194	78	20	.	.	PUNCT
ajeer-194	79	1	again	again	ADV
ajeer-194	79	2	on	on	ADP
ajeer-194	79	3	islamic	islamic	ADJ
ajeer-194	79	4	banks	bank	NOUN
ajeer-194	79	5	,	,	PUNCT
ajeer-194	79	6	muhammad	muhammad	PROPN
ajeer-194	79	7	et	et	PROPN
ajeer-194	79	8	al	al	PROPN
ajeer-194	79	9	.	.	PROPN
ajeer-194	80	1	(	(	PUNCT
ajeer-194	80	2	2011	2011	NUM
ajeer-194	80	3	)	)	PUNCT
ajeer-194	80	4	studied	study	VERB
ajeer-194	80	5	the	the	DET
ajeer-194	80	6	impact	impact	NOUN
ajeer-194	80	7	of	of	ADP
ajeer-194	80	8	crisis	crisis	NOUN
ajeer-194	80	9	and	and	CCONJ
ajeer-194	80	10	some	some	DET
ajeer-194	80	11	macroeconomic	macroeconomic	ADJ
ajeer-194	80	12	variables	variable	NOUN
ajeer-194	80	13	on	on	ADP
ajeer-194	80	14	islamic	islamic	ADJ
ajeer-194	80	15	banking	banking	NOUN
ajeer-194	80	16	deposits	deposit	NOUN
ajeer-194	80	17	in	in	ADP
ajeer-194	80	18	malaysia	malaysia	PROPN
ajeer-194	80	19	.	.	PUNCT
ajeer-194	81	1	the	the	DET
ajeer-194	81	2	study	study	NOUN
ajeer-194	81	3	uses	use	VERB
ajeer-194	81	4	monthly	monthly	ADJ
ajeer-194	81	5	data	datum	NOUN
ajeer-194	81	6	from	from	ADP
ajeer-194	81	7	january	january	PROPN
ajeer-194	81	8	2000	2000	NUM
ajeer-194	81	9	to	to	ADP
ajeer-194	81	10	december	december	PROPN
ajeer-194	81	11	2010	2010	NUM
ajeer-194	81	12	,	,	PUNCT
ajeer-194	81	13	a	a	DET
ajeer-194	81	14	cointegration	cointegration	NOUN
ajeer-194	81	15	test	test	NOUN
ajeer-194	81	16	and	and	CCONJ
ajeer-194	81	17	vector	vector	NOUN
ajeer-194	81	18	error	error	NOUN
ajeer-194	81	19	correction	correction	NOUN
ajeer-194	81	20	model	model	VERB
ajeer-194	81	21	the	the	DET
ajeer-194	81	22	study	study	NOUN
ajeer-194	81	23	found	find	VERB
ajeer-194	81	24	interesting	interesting	ADJ
ajeer-194	81	25	results	result	NOUN
ajeer-194	81	26	.	.	PUNCT
ajeer-194	82	1	the	the	DET
ajeer-194	82	2	variables	variable	NOUN
ajeer-194	82	3	adopted	adopt	VERB
ajeer-194	82	4	in	in	ADP
ajeer-194	82	5	the	the	DET
ajeer-194	82	6	study	study	NOUN
ajeer-194	82	7	are	be	AUX
ajeer-194	82	8	the	the	DET
ajeer-194	82	9	average	average	ADJ
ajeer-194	82	10	rate	rate	NOUN
ajeer-194	82	11	of	of	ADP
ajeer-194	82	12	return	return	NOUN
ajeer-194	82	13	in	in	ADP
ajeer-194	82	14	conventional	conventional	ADJ
ajeer-194	82	15	banking	banking	NOUN
ajeer-194	82	16	fixed	fix	VERB
ajeer-194	82	17	-	-	PUNCT
ajeer-194	82	18	deposits	deposit	NOUN
ajeer-194	82	19	,	,	PUNCT
ajeer-194	82	20	the	the	DET
ajeer-194	82	21	consumer	consumer	NOUN
ajeer-194	82	22	price	price	NOUN
ajeer-194	82	23	index	index	NOUN
ajeer-194	82	24	as	as	ADP
ajeer-194	82	25	proxy	proxy	NOUN
ajeer-194	82	26	of	of	ADP
ajeer-194	82	27	inflation	inflation	NOUN
ajeer-194	82	28	,	,	PUNCT
ajeer-194	82	29	growth	growth	NOUN
ajeer-194	82	30	of	of	ADP
ajeer-194	82	31	industrial	industrial	ADJ
ajeer-194	82	32	production	production	NOUN
ajeer-194	82	33	index	index	NOUN
ajeer-194	82	34	,	,	PUNCT
ajeer-194	82	35	the	the	DET
ajeer-194	82	36	base	base	NOUN
ajeer-194	82	37	lending	lending	NOUN
ajeer-194	82	38	rate	rate	NOUN
ajeer-194	82	39	as	as	ADP
ajeer-194	82	40	a	a	DET
ajeer-194	82	41	proxy	proxy	NOUN
ajeer-194	82	42	for	for	ADP
ajeer-194	82	43	rental	rental	ADJ
ajeer-194	82	44	rate	rate	NOUN
ajeer-194	82	45	,	,	PUNCT
ajeer-194	82	46	and	and	CCONJ
ajeer-194	82	47	a	a	DET
ajeer-194	82	48	dummy	dummy	NOUN
ajeer-194	82	49	for	for	ADP
ajeer-194	82	50	crisis	crisis	NOUN
ajeer-194	82	51	.	.	PUNCT
ajeer-194	83	1	the	the	DET
ajeer-194	83	2	variables	variable	NOUN
ajeer-194	83	3	displayed	display	VERB
ajeer-194	83	4	an	an	DET
ajeer-194	83	5	i(1	i(1	PROPN
ajeer-194	83	6	)	)	PUNCT
ajeer-194	83	7	process	process	NOUN
ajeer-194	83	8	with	with	ADP
ajeer-194	83	9	the	the	DET
ajeer-194	83	10	cointegration	cointegration	NOUN
ajeer-194	83	11	result	result	NOUN
ajeer-194	83	12	indicating	indicate	VERB
ajeer-194	83	13	at	at	ADP
ajeer-194	83	14	least	least	ADV
ajeer-194	83	15	one	one	NUM
ajeer-194	83	16	cointegration	cointegration	NOUN
ajeer-194	83	17	exists	exist	VERB
ajeer-194	83	18	at	at	ADP
ajeer-194	83	19	1	1	NUM
ajeer-194	83	20	%	%	NOUN
ajeer-194	83	21	level	level	NOUN
ajeer-194	83	22	of	of	ADP
ajeer-194	83	23	significance	significance	NOUN
ajeer-194	83	24	.	.	PUNCT
ajeer-194	84	1	the	the	DET
ajeer-194	84	2	vecm	vecm	NOUN
ajeer-194	84	3	found	find	VERB
ajeer-194	84	4	interesting	interesting	ADJ
ajeer-194	84	5	results	result	NOUN
ajeer-194	84	6	.	.	PUNCT
ajeer-194	85	1	they	they	PRON
ajeer-194	85	2	found	find	VERB
ajeer-194	85	3	negative	negative	ADJ
ajeer-194	85	4	relationship	relationship	NOUN
ajeer-194	85	5	for	for	ADP
ajeer-194	85	6	both	both	PRON
ajeer-194	85	7	inflation	inflation	NOUN
ajeer-194	85	8	and	and	CCONJ
ajeer-194	85	9	base	base	NOUN
ajeer-194	85	10	lending	lending	NOUN
ajeer-194	85	11	rate	rate	NOUN
ajeer-194	85	12	on	on	ADP
ajeer-194	85	13	bank	bank	NOUN
ajeer-194	85	14	deposits	deposit	NOUN
ajeer-194	85	15	.	.	PUNCT
ajeer-194	86	1	the	the	DET
ajeer-194	86	2	growth	growth	NOUN
ajeer-194	86	3	of	of	ADP
ajeer-194	86	4	industrial	industrial	ADJ
ajeer-194	86	5	productivity	productivity	NOUN
ajeer-194	86	6	index	index	NOUN
ajeer-194	86	7	was	be	AUX
ajeer-194	86	8	also	also	ADV
ajeer-194	86	9	found	find	VERB
ajeer-194	86	10	to	to	PART
ajeer-194	86	11	negatively	negatively	ADV
ajeer-194	86	12	impact	impact	VERB
ajeer-194	86	13	on	on	ADP
ajeer-194	86	14	the	the	DET
ajeer-194	86	15	level	level	NOUN
ajeer-194	86	16	of	of	ADP
ajeer-194	86	17	bank	bank	NOUN
ajeer-194	86	18	deposits	deposit	NOUN
ajeer-194	86	19	.	.	PUNCT
ajeer-194	87	1	in	in	ADP
ajeer-194	87	2	conformity	conformity	NOUN
ajeer-194	87	3	to	to	ADP
ajeer-194	87	4	findings	finding	NOUN
ajeer-194	87	5	of	of	ADP
ajeer-194	87	6	haron	haron	PROPN
ajeer-194	87	7	and	and	CCONJ
ajeer-194	87	8	ahmad	ahmad	PROPN
ajeer-194	87	9	(	(	PUNCT
ajeer-194	87	10	2000	2000	NUM
ajeer-194	87	11	)	)	PUNCT
ajeer-194	87	12	;	;	PUNCT
ajeer-194	87	13	kasim	kasim	PROPN
ajeer-194	87	14	et	et	PROPN
ajeer-194	87	15	al	al	PROPN
ajeer-194	87	16	.	.	PROPN
ajeer-194	87	17	(	(	PUNCT
ajeer-194	87	18	2009	2009	NUM
ajeer-194	87	19	)	)	PUNCT
ajeer-194	87	20	and	and	CCONJ
ajeer-194	87	21	kasri	kasri	NOUN
ajeer-194	87	22	and	and	CCONJ
ajeer-194	87	23	kassim	kassim	PROPN
ajeer-194	87	24	(	(	PUNCT
ajeer-194	87	25	2009	2009	NUM
ajeer-194	87	26	)	)	PUNCT
ajeer-194	87	27	,	,	PUNCT
ajeer-194	87	28	the	the	DET
ajeer-194	87	29	study	study	NOUN
ajeer-194	87	30	also	also	ADV
ajeer-194	87	31	found	find	VERB
ajeer-194	87	32	negative	negative	ADJ
ajeer-194	87	33	and	and	CCONJ
ajeer-194	87	34	positive	positive	ADJ
ajeer-194	87	35	effect	effect	NOUN
ajeer-194	87	36	rate	rate	NOUN
ajeer-194	87	37	of	of	ADP
ajeer-194	87	38	return	return	NOUN
ajeer-194	87	39	in	in	ADP
ajeer-194	87	40	islamic	islamic	ADJ
ajeer-194	87	41	and	and	CCONJ
ajeer-194	87	42	conventional	conventional	ADJ
ajeer-194	87	43	banks	bank	NOUN
ajeer-194	87	44	respectively	respectively	ADV
ajeer-194	87	45	on	on	ADP
ajeer-194	87	46	bank	bank	NOUN
ajeer-194	87	47	deposits	deposit	NOUN
ajeer-194	87	48	.	.	PUNCT
ajeer-194	88	1	apart	apart	ADV
ajeer-194	88	2	from	from	ADP
ajeer-194	88	3	the	the	DET
ajeer-194	88	4	crisis	crisis	NOUN
ajeer-194	88	5	and	and	CCONJ
ajeer-194	88	6	inflation	inflation	NOUN
ajeer-194	88	7	results	result	NOUN
ajeer-194	88	8	,	,	PUNCT
ajeer-194	88	9	however	however	ADV
ajeer-194	88	10	,	,	PUNCT
ajeer-194	88	11	muhammad	muhammad	PROPN
ajeer-194	88	12	et	et	PROPN
ajeer-194	88	13	al	al	PROPN
ajeer-194	88	14	.	.	PROPN
ajeer-194	89	1	(	(	PUNCT
ajeer-194	89	2	2011	2011	NUM
ajeer-194	89	3	)	)	PUNCT
ajeer-194	89	4	could	could	AUX
ajeer-194	89	5	not	not	PART
ajeer-194	89	6	provide	provide	VERB
ajeer-194	89	7	strong	strong	ADJ
ajeer-194	89	8	evidence	evidence	NOUN
ajeer-194	89	9	of	of	ADP
ajeer-194	89	10	the	the	DET
ajeer-194	89	11	short	short	ADJ
ajeer-194	89	12	run	run	NOUN
ajeer-194	89	13	effect	effect	NOUN
ajeer-194	89	14	of	of	ADP
ajeer-194	89	15	shocks	shock	NOUN
ajeer-194	89	16	in	in	ADP
ajeer-194	89	17	the	the	DET
ajeer-194	89	18	other	other	ADJ
ajeer-194	89	19	variables	variable	NOUN
ajeer-194	89	20	of	of	ADP
ajeer-194	89	21	the	the	DET
ajeer-194	89	22	model	model	NOUN
ajeer-194	89	23	.	.	PUNCT
ajeer-194	90	1	the	the	DET
ajeer-194	90	2	study	study	NOUN
ajeer-194	90	3	also	also	ADV
ajeer-194	90	4	tested	test	VERB
ajeer-194	90	5	for	for	ADP
ajeer-194	90	6	model	model	NOUN
ajeer-194	90	7	robustness	robustness	NOUN
ajeer-194	90	8	or	or	CCONJ
ajeer-194	90	9	efficiency	efficiency	NOUN
ajeer-194	90	10	and	and	CCONJ
ajeer-194	90	11	found	find	VERB
ajeer-194	90	12	that	that	SCONJ
ajeer-194	90	13	the	the	DET
ajeer-194	90	14	model	model	NOUN
ajeer-194	90	15	was	be	AUX
ajeer-194	90	16	efficient	efficient	ADJ
ajeer-194	90	17	.	.	PUNCT
ajeer-194	91	1	there	there	PRON
ajeer-194	91	2	model	model	NOUN
ajeer-194	91	3	was	be	AUX
ajeer-194	91	4	normal	normal	ADJ
ajeer-194	91	5	,	,	PUNCT
ajeer-194	91	6	no	no	DET
ajeer-194	91	7	serial	serial	ADJ
ajeer-194	91	8	correlation	correlation	NOUN
ajeer-194	91	9	,	,	PUNCT
ajeer-194	91	10	absence	absence	NOUN
ajeer-194	91	11	of	of	ADP
ajeer-194	91	12	heteroscedasticity	heteroscedasticity	NOUN
ajeer-194	91	13	,	,	PUNCT
ajeer-194	91	14	and	and	CCONJ
ajeer-194	91	15	there	there	PRON
ajeer-194	91	16	also	also	ADV
ajeer-194	91	17	no	no	DET
ajeer-194	91	18	evidence	evidence	NOUN
ajeer-194	91	19	of	of	ADP
ajeer-194	91	20	arch	arch	ADJ
ajeer-194	91	21	effects	effect	NOUN
ajeer-194	91	22	in	in	ADP
ajeer-194	91	23	the	the	DET
ajeer-194	91	24	disturbance	disturbance	NOUN
ajeer-194	91	25	term	term	NOUN
ajeer-194	91	26	.	.	PUNCT
ajeer-194	92	1	in	in	ADP
ajeer-194	92	2	the	the	DET
ajeer-194	92	3	study	study	NOUN
ajeer-194	92	4	by	by	ADP
ajeer-194	92	5	kasim	kasim	PROPN
ajeer-194	92	6	et	et	PROPN
ajeer-194	92	7	al	al	PROPN
ajeer-194	92	8	.	.	PROPN
ajeer-194	92	9	(	(	PUNCT
ajeer-194	92	10	2009	2009	NUM
ajeer-194	92	11	)	)	PUNCT
ajeer-194	92	12	which	which	PRON
ajeer-194	92	13	employed	employ	VERB
ajeer-194	92	14	monthly	monthly	ADJ
ajeer-194	92	15	data	datum	NOUN
ajeer-194	92	16	for	for	ADP
ajeer-194	92	17	the	the	DET
ajeer-194	92	18	period	period	NOUN
ajeer-194	92	19	of	of	ADP
ajeer-194	92	20	january	january	PROPN
ajeer-194	92	21	1999	1999	NUM
ajeer-194	92	22	to	to	ADP
ajeer-194	92	23	december	december	PROPN
ajeer-194	92	24	2006	2006	NUM
ajeer-194	92	25	,	,	PUNCT
ajeer-194	92	26	they	they	PRON
ajeer-194	92	27	examined	examine	VERB
ajeer-194	92	28	the	the	DET
ajeer-194	92	29	impact	impact	NOUN
ajeer-194	92	30	of	of	ADP
ajeer-194	92	31	monetary	monetary	ADJ
ajeer-194	92	32	policy	policy	NOUN
ajeer-194	92	33	shock	shock	NOUN
ajeer-194	92	34	on	on	ADP
ajeer-194	92	35	balance	balance	NOUN
ajeer-194	92	36	sheet	sheet	NOUN
ajeer-194	92	37	of	of	ADP
ajeer-194	92	38	islamic	islamic	PROPN
ajeer-194	92	39	bank	bank	PROPN
ajeer-194	92	40	in	in	ADP
ajeer-194	92	41	malaysia	malaysia	PROPN
ajeer-194	92	42	.	.	PUNCT
ajeer-194	93	1	findings	finding	NOUN
ajeer-194	93	2	from	from	ADP
ajeer-194	93	3	the	the	DET
ajeer-194	93	4	study	study	NOUN
ajeer-194	93	5	suggested	suggest	VERB
ajeer-194	93	6	that	that	SCONJ
ajeer-194	93	7	the	the	DET
ajeer-194	93	8	effect	effect	NOUN
ajeer-194	93	9	of	of	ADP
ajeer-194	93	10	policy	policy	NOUN
ajeer-194	93	11	shocks	shock	NOUN
ajeer-194	93	12	on	on	ADP
ajeer-194	93	13	islamic	islamic	PROPN
ajeer-194	93	14	bank	bank	PROPN
ajeer-194	93	15	are	be	AUX
ajeer-194	93	16	more	more	ADV
ajeer-194	93	17	destabilizing	destabilizing	ADJ
ajeer-194	93	18	than	than	ADP
ajeer-194	93	19	on	on	ADP
ajeer-194	93	20	conventional	conventional	ADJ
ajeer-194	93	21	banks	bank	NOUN
ajeer-194	93	22	study	study	NOUN
ajeer-194	93	23	by	by	ADP
ajeer-194	93	24	dadzie	dadzie	PROPN
ajeer-194	93	25	kofi	kofi	PROPN
ajeer-194	93	26	et	et	PROPN
ajeer-194	93	27	al	al	PROPN
ajeer-194	93	28	.	.	PROPN
ajeer-194	94	1	(	(	PUNCT
ajeer-194	94	2	2003	2003	NUM
ajeer-194	94	3	)	)	PUNCT
ajeer-194	94	4	found	find	VERB
ajeer-194	94	5	age	age	NOUN
ajeer-194	94	6	and	and	CCONJ
ajeer-194	94	7	formal	formal	ADJ
ajeer-194	94	8	education	education	NOUN
ajeer-194	94	9	variables	variable	NOUN
ajeer-194	94	10	to	to	PART
ajeer-194	94	11	be	be	AUX
ajeer-194	94	12	insignificant	insignificant	ADJ
ajeer-194	94	13	in	in	ADP
ajeer-194	94	14	influencing	influence	VERB
ajeer-194	94	15	the	the	DET
ajeer-194	94	16	level	level	NOUN
ajeer-194	94	17	of	of	ADP
ajeer-194	94	18	personal	personal	ADJ
ajeer-194	94	19	savings	saving	NOUN
ajeer-194	94	20	.	.	PUNCT
ajeer-194	95	1	empirically	empirically	ADV
ajeer-194	95	2	,	,	PUNCT
ajeer-194	95	3	the	the	DET
ajeer-194	95	4	study	study	NOUN
ajeer-194	95	5	revealed	reveal	VERB
ajeer-194	95	6	a	a	DET
ajeer-194	95	7	significantly	significantly	ADV
ajeer-194	95	8	positive	positive	ADJ
ajeer-194	95	9	relationship	relationship	NOUN
ajeer-194	95	10	between	between	ADP
ajeer-194	95	11	savings	saving	NOUN
ajeer-194	95	12	on	on	ADP
ajeer-194	95	13	one	one	NUM
ajeer-194	95	14	side	side	NOUN
ajeer-194	95	15	,	,	PUNCT
ajeer-194	95	16	and	and	CCONJ
ajeer-194	95	17	income	income	NOUN
ajeer-194	95	18	,	,	PUNCT
ajeer-194	95	19	service	service	NOUN
ajeer-194	95	20	quality	quality	NOUN
ajeer-194	95	21	,	,	PUNCT
ajeer-194	95	22	income	income	NOUN
ajeer-194	95	23	and	and	CCONJ
ajeer-194	95	24	demographic	demographic	ADJ
ajeer-194	95	25	characteristics	characteristic	NOUN
ajeer-194	95	26	(	(	PUNCT
ajeer-194	95	27	number	number	NOUN
ajeer-194	95	28	of	of	ADP
ajeer-194	95	29	dependents	dependent	NOUN
ajeer-194	95	30	and	and	CCONJ
ajeer-194	95	31	location	location	NOUN
ajeer-194	95	32	)	)	PUNCT
ajeer-194	95	33	on	on	ADP
ajeer-194	95	34	the	the	DET
ajeer-194	95	35	other	other	ADJ
ajeer-194	95	36	hand	hand	NOUN
ajeer-194	95	37	.	.	PUNCT
ajeer-194	96	1	similarly	similarly	ADV
ajeer-194	96	2	,	,	PUNCT
ajeer-194	96	3	masson	masson	PROPN
ajeer-194	96	4	et	et	PROPN
ajeer-194	96	5	al	al	PROPN
ajeer-194	96	6	.	.	PROPN
ajeer-194	97	1	(	(	PUNCT
ajeer-194	97	2	1998	1998	NUM
ajeer-194	97	3	)	)	PUNCT
ajeer-194	97	4	looked	look	VERB
ajeer-194	97	5	at	at	ADP
ajeer-194	97	6	the	the	DET
ajeer-194	97	7	factors	factor	NOUN
ajeer-194	97	8	that	that	PRON
ajeer-194	97	9	influence	influence	VERB
ajeer-194	97	10	private	private	ADJ
ajeer-194	97	11	savings	saving	NOUN
ajeer-194	97	12	behaviour	behaviour	NOUN
ajeer-194	97	13	of	of	ADP
ajeer-194	97	14	developed	developed	ADJ
ajeer-194	97	15	and	and	CCONJ
ajeer-194	97	16	developing	develop	VERB
ajeer-194	97	17	countries	country	NOUN
ajeer-194	97	18	.	.	PUNCT
ajeer-194	98	1	the	the	DET
ajeer-194	98	2	study	study	NOUN
ajeer-194	98	3	found	find	VERB
ajeer-194	98	4	demographic	demographic	ADJ
ajeer-194	98	5	characteristics	characteristic	NOUN
ajeer-194	98	6	to	to	PART
ajeer-194	98	7	be	be	AUX
ajeer-194	98	8	very	very	ADV
ajeer-194	98	9	significant	significant	ADJ
ajeer-194	98	10	in	in	ADP
ajeer-194	98	11	determining	determine	VERB
ajeer-194	98	12	the	the	DET
ajeer-194	98	13	rate	rate	NOUN
ajeer-194	98	14	of	of	ADP
ajeer-194	98	15	saving	save	VERB
ajeer-194	98	16	in	in	ADP
ajeer-194	98	17	both	both	DET
ajeer-194	98	18	countries	country	NOUN
ajeer-194	98	19	.	.	PUNCT
ajeer-194	99	1	findings	finding	NOUN
ajeer-194	99	2	also	also	ADV
ajeer-194	99	3	indicated	indicate	VERB
ajeer-194	99	4	that	that	SCONJ
ajeer-194	99	5	factors	factor	NOUN
ajeer-194	99	6	such	such	ADJ
ajeer-194	99	7	as	as	ADP
ajeer-194	99	8	gdp	gdp	NOUN
ajeer-194	99	9	growth	growth	NOUN
ajeer-194	99	10	,	,	PUNCT
ajeer-194	99	11	changes	change	NOUN
ajeer-194	99	12	in	in	ADP
ajeer-194	99	13	the	the	DET
ajeer-194	99	14	terms	term	NOUN
ajeer-194	99	15	of	of	ADP
ajeer-194	99	16	trade	trade	NOUN
ajeer-194	99	17	,	,	PUNCT
ajeer-194	99	18	and	and	CCONJ
ajeer-194	99	19	asian	asian	ADJ
ajeer-194	99	20	journal	journal	NOUN
ajeer-194	99	21	of	of	ADP
ajeer-194	99	22	economics	economic	NOUN
ajeer-194	99	23	and	and	CCONJ
ajeer-194	99	24	empirical	empirical	ADJ
ajeer-194	99	25	research	research	NOUN
ajeer-194	99	26	,	,	PUNCT
ajeer-194	99	27	2015	2015	NUM
ajeer-194	99	28	,	,	PUNCT
ajeer-194	99	29	2(1):1	2(1):1	NUM
ajeer-194	99	30	-	-	SYM
ajeer-194	99	31	7	7	NUM
ajeer-194	99	32	4	4	NUM
ajeer-194	99	33	real	real	ADJ
ajeer-194	99	34	interest	interest	NOUN
ajeer-194	99	35	rate	rate	NOUN
ajeer-194	99	36	had	have	VERB
ajeer-194	99	37	positive	positive	ADJ
ajeer-194	99	38	relation	relation	NOUN
ajeer-194	99	39	with	with	ADP
ajeer-194	99	40	saving	save	VERB
ajeer-194	99	41	for	for	ADP
ajeer-194	99	42	both	both	DET
ajeer-194	99	43	group	group	NOUN
ajeer-194	99	44	of	of	ADP
ajeer-194	99	45	countries	country	NOUN
ajeer-194	99	46	although	although	SCONJ
ajeer-194	99	47	the	the	DET
ajeer-194	99	48	magnitude	magnitude	NOUN
ajeer-194	99	49	of	of	ADP
ajeer-194	99	50	the	the	DET
ajeer-194	99	51	relationship	relationship	NOUN
ajeer-194	99	52	differed	differ	VERB
ajeer-194	99	53	for	for	ADP
ajeer-194	99	54	the	the	DET
ajeer-194	99	55	countries	country	NOUN
ajeer-194	99	56	.	.	PUNCT
ajeer-194	100	1	contrary	contrary	ADJ
ajeer-194	100	2	to	to	ADP
ajeer-194	100	3	theory	theory	NOUN
ajeer-194	100	4	,	,	PUNCT
ajeer-194	100	5	the	the	DET
ajeer-194	100	6	level	level	NOUN
ajeer-194	100	7	of	of	ADP
ajeer-194	100	8	foreign	foreign	ADJ
ajeer-194	100	9	savings	saving	NOUN
ajeer-194	100	10	was	be	AUX
ajeer-194	100	11	found	find	VERB
ajeer-194	100	12	to	to	PART
ajeer-194	100	13	have	have	VERB
ajeer-194	100	14	a	a	DET
ajeer-194	100	15	negative	negative	ADJ
ajeer-194	100	16	relationship	relationship	NOUN
ajeer-194	100	17	with	with	ADP
ajeer-194	100	18	savings	saving	NOUN
ajeer-194	100	19	in	in	ADP
ajeer-194	100	20	the	the	DET
ajeer-194	100	21	developing	develop	VERB
ajeer-194	100	22	countries	country	NOUN
ajeer-194	100	23	.	.	PUNCT
ajeer-194	101	1	the	the	DET
ajeer-194	101	2	savings	saving	NOUN
ajeer-194	101	3	behavior	behavior	NOUN
ajeer-194	101	4	in	in	ADP
ajeer-194	101	5	oecd	oecd	PROPN
ajeer-194	101	6	countries	country	NOUN
ajeer-194	101	7	was	be	AUX
ajeer-194	101	8	investigated	investigate	VERB
ajeer-194	101	9	by	by	ADP
ajeer-194	101	10	sarantis	sarantis	PROPN
ajeer-194	101	11	and	and	CCONJ
ajeer-194	101	12	chris	chris	PROPN
ajeer-194	101	13	(	(	PUNCT
ajeer-194	101	14	2001	2001	NUM
ajeer-194	101	15	)	)	PUNCT
ajeer-194	101	16	.	.	PUNCT
ajeer-194	102	1	demographic	demographic	ADJ
ajeer-194	102	2	factors	factor	NOUN
ajeer-194	102	3	and	and	CCONJ
ajeer-194	102	4	credit	credit	NOUN
ajeer-194	102	5	constraints	constraint	NOUN
ajeer-194	102	6	were	be	AUX
ajeer-194	102	7	significant	significant	ADJ
ajeer-194	102	8	and	and	CCONJ
ajeer-194	102	9	had	have	VERB
ajeer-194	102	10	the	the	DET
ajeer-194	102	11	anticipated	anticipate	VERB
ajeer-194	102	12	sign	sign	NOUN
ajeer-194	102	13	in	in	ADP
ajeer-194	102	14	the	the	DET
ajeer-194	102	15	overwhelming	overwhelming	ADJ
ajeer-194	102	16	majority	majority	NOUN
ajeer-194	102	17	of	of	ADP
ajeer-194	102	18	oecd	oecd	PROPN
ajeer-194	102	19	countries	country	NOUN
ajeer-194	102	20	.	.	PUNCT
ajeer-194	103	1	greater	great	ADJ
ajeer-194	103	2	financial	financial	ADJ
ajeer-194	103	3	liberalization	liberalization	NOUN
ajeer-194	103	4	and	and	CCONJ
ajeer-194	103	5	integration	integration	NOUN
ajeer-194	103	6	minimized	minimize	VERB
ajeer-194	103	7	the	the	DET
ajeer-194	103	8	liquidity	liquidity	NOUN
ajeer-194	103	9	constraints	constraint	NOUN
ajeer-194	103	10	,	,	PUNCT
ajeer-194	103	11	thus	thus	ADV
ajeer-194	103	12	leading	lead	VERB
ajeer-194	103	13	to	to	ADP
ajeer-194	103	14	lower	low	ADJ
ajeer-194	103	15	savings	saving	NOUN
ajeer-194	103	16	.	.	PUNCT
ajeer-194	104	1	one	one	NUM
ajeer-194	104	2	of	of	ADP
ajeer-194	104	3	the	the	DET
ajeer-194	104	4	interesting	interesting	ADJ
ajeer-194	104	5	findings	finding	NOUN
ajeer-194	104	6	presented	present	VERB
ajeer-194	104	7	by	by	ADP
ajeer-194	104	8	the	the	DET
ajeer-194	104	9	authors	author	NOUN
ajeer-194	104	10	is	be	AUX
ajeer-194	104	11	that	that	SCONJ
ajeer-194	104	12	government	government	NOUN
ajeer-194	104	13	deficit	deficit	NOUN
ajeer-194	104	14	does	do	AUX
ajeer-194	104	15	not	not	PART
ajeer-194	104	16	increase	increase	VERB
ajeer-194	104	17	savings	saving	NOUN
ajeer-194	104	18	,	,	PUNCT
ajeer-194	104	19	which	which	PRON
ajeer-194	104	20	is	be	AUX
ajeer-194	104	21	in	in	ADP
ajeer-194	104	22	contrast	contrast	NOUN
ajeer-194	104	23	to	to	ADP
ajeer-194	104	24	the	the	DET
ajeer-194	104	25	ricardian	ricardian	ADJ
ajeer-194	104	26	equivalence	equivalence	NOUN
ajeer-194	104	27	.	.	PUNCT
ajeer-194	105	1	cohn	cohn	PROPN
ajeer-194	105	2	richard	richard	PROPN
ajeer-194	105	3	and	and	CCONJ
ajeer-194	105	4	bharat	bharat	PROPN
ajeer-194	105	5	kolluri	kolluri	PROPN
ajeer-194	105	6	(	(	PUNCT
ajeer-194	105	7	2003	2003	NUM
ajeer-194	105	8	)	)	PUNCT
ajeer-194	105	9	also	also	ADV
ajeer-194	105	10	used	use	VERB
ajeer-194	105	11	developed	develop	VERB
ajeer-194	105	12	nations	nation	NOUN
ajeer-194	105	13	in	in	ADP
ajeer-194	105	14	their	their	PRON
ajeer-194	105	15	study	study	NOUN
ajeer-194	105	16	.	.	PUNCT
ajeer-194	106	1	they	they	PRON
ajeer-194	106	2	examined	examine	VERB
ajeer-194	106	3	the	the	DET
ajeer-194	106	4	long	long	ADJ
ajeer-194	106	5	run	run	NOUN
ajeer-194	106	6	relationship	relationship	NOUN
ajeer-194	106	7	between	between	ADP
ajeer-194	106	8	per	per	ADP
ajeer-194	106	9	capita	capita	NOUN
ajeer-194	106	10	households	household	NOUN
ajeer-194	106	11	saving	save	VERB
ajeer-194	106	12	and	and	CCONJ
ajeer-194	106	13	the	the	DET
ajeer-194	106	14	real	real	ADJ
ajeer-194	106	15	rate	rate	NOUN
ajeer-194	106	16	of	of	ADP
ajeer-194	106	17	interest	interest	NOUN
ajeer-194	106	18	,	,	PUNCT
ajeer-194	106	19	government	government	NOUN
ajeer-194	106	20	savings	saving	NOUN
ajeer-194	106	21	and	and	CCONJ
ajeer-194	106	22	social	social	ADJ
ajeer-194	106	23	security	security	NOUN
ajeer-194	106	24	contributions	contribution	NOUN
ajeer-194	106	25	.	.	PUNCT
ajeer-194	107	1	their	their	PRON
ajeer-194	107	2	results	result	NOUN
ajeer-194	107	3	indicated	indicate	VERB
ajeer-194	107	4	that	that	SCONJ
ajeer-194	107	5	savings	saving	NOUN
ajeer-194	107	6	reacted	react	VERB
ajeer-194	107	7	positively	positively	ADV
ajeer-194	107	8	to	to	ADP
ajeer-194	107	9	interest	interest	NOUN
ajeer-194	107	10	rate	rate	NOUN
ajeer-194	107	11	,	,	PUNCT
ajeer-194	107	12	but	but	CCONJ
ajeer-194	107	13	negatively	negatively	ADV
ajeer-194	107	14	to	to	ADP
ajeer-194	107	15	government	government	NOUN
ajeer-194	107	16	savings	saving	NOUN
ajeer-194	107	17	and	and	CCONJ
ajeer-194	107	18	social	social	ADJ
ajeer-194	107	19	security	security	NOUN
ajeer-194	107	20	contributions	contribution	NOUN
ajeer-194	107	21	.	.	PUNCT
ajeer-194	108	1	a	a	DET
ajeer-194	108	2	literature	literature	NOUN
ajeer-194	108	3	on	on	ADP
ajeer-194	108	4	savings	saving	NOUN
ajeer-194	108	5	behavior	behavior	NOUN
ajeer-194	108	6	by	by	ADP
ajeer-194	108	7	hondroyiannis	hondroyiannis	NOUN
ajeer-194	108	8	(	(	PUNCT
ajeer-194	108	9	2004	2004	NUM
ajeer-194	108	10	)	)	PUNCT
ajeer-194	108	11	,	,	PUNCT
ajeer-194	108	12	who	who	PRON
ajeer-194	108	13	used	use	VERB
ajeer-194	108	14	cointegration	cointegration	NOUN
ajeer-194	108	15	approach	approach	NOUN
ajeer-194	108	16	in	in	ADP
ajeer-194	108	17	estimating	estimate	VERB
ajeer-194	108	18	the	the	DET
ajeer-194	108	19	behavior	behavior	NOUN
ajeer-194	108	20	of	of	ADP
ajeer-194	108	21	greece	greece	PROPN
ajeer-194	108	22	households	household	NOUN
ajeer-194	108	23	.	.	PUNCT
ajeer-194	109	1	he	he	PRON
ajeer-194	109	2	provided	provide	VERB
ajeer-194	109	3	empirical	empirical	ADJ
ajeer-194	109	4	evidence	evidence	NOUN
ajeer-194	109	5	that	that	SCONJ
ajeer-194	109	6	in	in	ADP
ajeer-194	109	7	the	the	DET
ajeer-194	109	8	long	long	ADJ
ajeer-194	109	9	run	run	NOUN
ajeer-194	109	10	savings	savings	NOUN
ajeer-194	109	11	function	function	NOUN
ajeer-194	109	12	is	be	AUX
ajeer-194	109	13	sensitive	sensitive	ADJ
ajeer-194	109	14	to	to	ADP
ajeer-194	109	15	fertility	fertility	NOUN
ajeer-194	109	16	changes	change	NOUN
ajeer-194	109	17	,	,	PUNCT
ajeer-194	109	18	old	old	ADJ
ajeer-194	109	19	dependency	dependency	NOUN
ajeer-194	109	20	ratio	ratio	NOUN
ajeer-194	109	21	,	,	PUNCT
ajeer-194	109	22	real	real	ADJ
ajeer-194	109	23	interest	interest	NOUN
ajeer-194	109	24	rate	rate	NOUN
ajeer-194	109	25	,	,	PUNCT
ajeer-194	109	26	liquidity	liquidity	NOUN
ajeer-194	109	27	and	and	CCONJ
ajeer-194	109	28	public	public	ADJ
ajeer-194	109	29	finance	finance	NOUN
ajeer-194	109	30	.	.	PUNCT
ajeer-194	110	1	the	the	DET
ajeer-194	110	2	work	work	NOUN
ajeer-194	110	3	of	of	ADP
ajeer-194	110	4	haron	haron	PROPN
ajeer-194	110	5	and	and	CCONJ
ajeer-194	110	6	wan	wan	PROPN
ajeer-194	110	7	azmi	azmi	PROPN
ajeer-194	110	8	(	(	PUNCT
ajeer-194	110	9	2006	2006	NUM
ajeer-194	110	10	)	)	PUNCT
ajeer-194	110	11	found	find	VERB
ajeer-194	110	12	a	a	DET
ajeer-194	110	13	significantly	significantly	ADV
ajeer-194	110	14	positive	positive	ADJ
ajeer-194	110	15	result	result	NOUN
ajeer-194	110	16	for	for	ADP
ajeer-194	110	17	money	money	NOUN
ajeer-194	110	18	supply	supply	NOUN
ajeer-194	110	19	on	on	ADP
ajeer-194	110	20	savings	saving	NOUN
ajeer-194	110	21	account	account	NOUN
ajeer-194	110	22	.	.	PUNCT
ajeer-194	111	1	according	accord	VERB
ajeer-194	111	2	to	to	ADP
ajeer-194	111	3	them	they	PRON
ajeer-194	111	4	,	,	PUNCT
ajeer-194	111	5	an	an	DET
ajeer-194	111	6	increase	increase	NOUN
ajeer-194	111	7	in	in	ADP
ajeer-194	111	8	money	money	NOUN
ajeer-194	111	9	supply	supply	NOUN
ajeer-194	111	10	will	will	AUX
ajeer-194	111	11	would	would	AUX
ajeer-194	111	12	mean	mean	VERB
ajeer-194	111	13	individuals	individual	NOUN
ajeer-194	111	14	will	will	AUX
ajeer-194	111	15	have	have	VERB
ajeer-194	111	16	more	more	ADJ
ajeer-194	111	17	money	money	NOUN
ajeer-194	111	18	to	to	PART
ajeer-194	111	19	hold	hold	VERB
ajeer-194	111	20	for	for	ADP
ajeer-194	111	21	speculative	speculative	ADJ
ajeer-194	111	22	motive	motive	NOUN
ajeer-194	111	23	as	as	SCONJ
ajeer-194	111	24	postulated	postulate	VERB
ajeer-194	111	25	by	by	ADP
ajeer-194	111	26	the	the	DET
ajeer-194	111	27	liquidity	liquidity	NOUN
ajeer-194	111	28	preference	preference	NOUN
ajeer-194	111	29	theory	theory	NOUN
ajeer-194	111	30	.	.	PUNCT
ajeer-194	112	1	afanasieff	afanasieff	PROPN
ajeer-194	112	2	et	et	PROPN
ajeer-194	112	3	al	al	PROPN
ajeer-194	112	4	.	.	PROPN
ajeer-194	113	1	(	(	PUNCT
ajeer-194	113	2	2002	2002	NUM
ajeer-194	113	3	)	)	PUNCT
ajeer-194	113	4	examines	examine	VERB
ajeer-194	113	5	the	the	DET
ajeer-194	113	6	determinants	determinant	NOUN
ajeer-194	113	7	of	of	ADP
ajeer-194	113	8	banks	bank	NOUN
ajeer-194	113	9	interest	interest	NOUN
ajeer-194	113	10	spreads	spread	NOUN
ajeer-194	113	11	using	use	VERB
ajeer-194	113	12	macro	macro	NOUN
ajeer-194	113	13	and	and	CCONJ
ajeer-194	113	14	micro	micro	ADJ
ajeer-194	113	15	variables	variable	NOUN
ajeer-194	113	16	in	in	ADP
ajeer-194	113	17	brazil	brazil	PROPN
ajeer-194	113	18	and	and	CCONJ
ajeer-194	113	19	find	find	VERB
ajeer-194	113	20	that	that	SCONJ
ajeer-194	113	21	macroeconomic	macroeconomic	ADJ
ajeer-194	113	22	variables	variable	NOUN
ajeer-194	113	23	have	have	VERB
ajeer-194	113	24	the	the	DET
ajeer-194	113	25	most	most	ADJ
ajeer-194	113	26	impact	impact	NOUN
ajeer-194	113	27	on	on	ADP
ajeer-194	113	28	bank	bank	NOUN
ajeer-194	113	29	interest	interest	NOUN
ajeer-194	113	30	spread	spread	VERB
ajeer-194	113	31	in	in	ADP
ajeer-194	113	32	brazil	brazil	PROPN
ajeer-194	113	33	.	.	PUNCT
ajeer-194	114	1	naceur	naceur	PROPN
ajeer-194	114	2	(	(	PUNCT
ajeer-194	114	3	2003	2003	NUM
ajeer-194	114	4	)	)	PUNCT
ajeer-194	114	5	investigates	investigate	VERB
ajeer-194	114	6	the	the	DET
ajeer-194	114	7	impact	impact	NOUN
ajeer-194	114	8	of	of	ADP
ajeer-194	114	9	banks	bank	NOUN
ajeer-194	114	10	characteristics	characteristic	NOUN
ajeer-194	114	11	,	,	PUNCT
ajeer-194	114	12	final	final	ADJ
ajeer-194	114	13	structure	structure	NOUN
ajeer-194	114	14	and	and	CCONJ
ajeer-194	114	15	macroeconomic	macroeconomic	ADJ
ajeer-194	114	16	indicators	indicator	NOUN
ajeer-194	114	17	on	on	ADP
ajeer-194	114	18	banks	bank	NOUN
ajeer-194	114	19	net	net	ADJ
ajeer-194	114	20	interest	interest	NOUN
ajeer-194	114	21	margin	margin	NOUN
ajeer-194	114	22	and	and	CCONJ
ajeer-194	114	23	profitability	profitability	NOUN
ajeer-194	114	24	in	in	ADP
ajeer-194	114	25	tunisian	tunisian	ADJ
ajeer-194	114	26	banking	banking	NOUN
ajeer-194	114	27	industry	industry	NOUN
ajeer-194	114	28	for	for	ADP
ajeer-194	114	29	the	the	DET
ajeer-194	114	30	1983	1983	NUM
ajeer-194	114	31	-	-	SYM
ajeer-194	114	32	2000	2000	NUM
ajeer-194	114	33	period	period	NOUN
ajeer-194	114	34	.	.	PUNCT
ajeer-194	115	1	high	high	ADJ
ajeer-194	115	2	net	net	ADJ
ajeer-194	115	3	interest	interest	NOUN
ajeer-194	115	4	margin	margin	NOUN
ajeer-194	115	5	and	and	CCONJ
ajeer-194	115	6	profitability	profitability	NOUN
ajeer-194	115	7	tend	tend	VERB
ajeer-194	115	8	to	to	PART
ajeer-194	115	9	be	be	AUX
ajeer-194	115	10	associated	associate	VERB
ajeer-194	115	11	with	with	ADP
ajeer-194	115	12	banks	bank	NOUN
ajeer-194	115	13	that	that	PRON
ajeer-194	115	14	hold	hold	VERB
ajeer-194	115	15	o	o	NOUN
ajeer-194	115	16	relatively	relatively	ADV
ajeer-194	115	17	high	high	ADJ
ajeer-194	115	18	amount	amount	NOUN
ajeer-194	115	19	of	of	ADP
ajeer-194	115	20	capital	capital	NOUN
ajeer-194	115	21	,	,	PUNCT
ajeer-194	115	22	and	and	CCONJ
ajeer-194	115	23	with	with	ADP
ajeer-194	115	24	large	large	ADJ
ajeer-194	115	25	overheads	overhead	NOUN
ajeer-194	115	26	.	.	PUNCT
ajeer-194	116	1	naceur	naceur	PROPN
ajeer-194	116	2	finds	find	VERB
ajeer-194	116	3	that	that	SCONJ
ajeer-194	116	4	inflation	inflation	NOUN
ajeer-194	116	5	and	and	CCONJ
ajeer-194	116	6	growth	growth	NOUN
ajeer-194	116	7	rates	rate	NOUN
ajeer-194	116	8	have	have	VERB
ajeer-194	116	9	negative	negative	ADJ
ajeer-194	116	10	and	and	CCONJ
ajeer-194	116	11	stock	stock	NOUN
ajeer-194	116	12	market	market	NOUN
ajeer-194	116	13	development	development	NOUN
ajeer-194	116	14	has	have	VERB
ajeer-194	116	15	positive	positive	ADJ
ajeer-194	116	16	impact	impact	NOUN
ajeer-194	116	17	on	on	ADP
ajeer-194	116	18	profitability	profitability	NOUN
ajeer-194	116	19	and	and	CCONJ
ajeer-194	116	20	net	net	ADJ
ajeer-194	116	21	interest	interest	NOUN
ajeer-194	116	22	margin	margin	NOUN
ajeer-194	116	23	.	.	PUNCT
ajeer-194	117	1	athukorala	athukorala	VERB
ajeer-194	117	2	and	and	CCONJ
ajeer-194	117	3	long	long	ADJ
ajeer-194	117	4	pang	pang	NOUN
ajeer-194	117	5	(	(	PUNCT
ajeer-194	117	6	2003	2003	NUM
ajeer-194	117	7	)	)	PUNCT
ajeer-194	117	8	employing	employ	VERB
ajeer-194	117	9	the	the	DET
ajeer-194	117	10	standard	standard	ADJ
ajeer-194	117	11	life	life	NOUN
ajeer-194	117	12	cycle	cycle	NOUN
ajeer-194	117	13	hypothesis	hypothesis	NOUN
ajeer-194	117	14	examined	examine	VERB
ajeer-194	117	15	the	the	DET
ajeer-194	117	16	effect	effect	NOUN
ajeer-194	117	17	of	of	ADP
ajeer-194	117	18	disposable	disposable	ADJ
ajeer-194	117	19	income	income	NOUN
ajeer-194	117	20	growth	growth	NOUN
ajeer-194	117	21	,	,	PUNCT
ajeer-194	117	22	population	population	NOUN
ajeer-194	117	23	,	,	PUNCT
ajeer-194	117	24	social	social	ADJ
ajeer-194	117	25	security	security	NOUN
ajeer-194	117	26	contribution	contribution	NOUN
ajeer-194	117	27	,	,	PUNCT
ajeer-194	117	28	financial	financial	ADJ
ajeer-194	117	29	reforms	reform	NOUN
ajeer-194	117	30	,	,	PUNCT
ajeer-194	117	31	and	and	CCONJ
ajeer-194	117	32	credit	credit	NOUN
ajeer-194	117	33	availability	availability	NOUN
ajeer-194	117	34	on	on	ADP
ajeer-194	117	35	savings	saving	NOUN
ajeer-194	117	36	.	.	PUNCT
ajeer-194	118	1	they	they	PRON
ajeer-194	118	2	found	find	VERB
ajeer-194	118	3	growth	growth	NOUN
ajeer-194	118	4	of	of	ADP
ajeer-194	118	5	disposable	disposable	ADJ
ajeer-194	118	6	income	income	NOUN
ajeer-194	118	7	,	,	PUNCT
ajeer-194	118	8	the	the	DET
ajeer-194	118	9	aged	aged	ADJ
ajeer-194	118	10	population	population	NOUN
ajeer-194	118	11	,	,	PUNCT
ajeer-194	118	12	changes	change	NOUN
ajeer-194	118	13	in	in	ADP
ajeer-194	118	14	social	social	ADJ
ajeer-194	118	15	security	security	NOUN
ajeer-194	118	16	contributions	contribution	NOUN
ajeer-194	118	17	,	,	PUNCT
ajeer-194	118	18	and	and	CCONJ
ajeer-194	118	19	credit	credit	NOUN
ajeer-194	118	20	availability	availability	NOUN
ajeer-194	118	21	to	to	PART
ajeer-194	118	22	be	be	AUX
ajeer-194	118	23	significant	significant	ADJ
ajeer-194	118	24	determinants	determinant	NOUN
ajeer-194	118	25	of	of	ADP
ajeer-194	118	26	the	the	DET
ajeer-194	118	27	level	level	NOUN
ajeer-194	118	28	of	of	ADP
ajeer-194	118	29	savings	saving	NOUN
ajeer-194	118	30	.	.	PUNCT
ajeer-194	119	1	findings	finding	NOUN
ajeer-194	119	2	also	also	ADV
ajeer-194	119	3	shows	show	VERB
ajeer-194	119	4	that	that	SCONJ
ajeer-194	119	5	interest	interest	NOUN
ajeer-194	119	6	rate	rate	NOUN
ajeer-194	119	7	had	have	VERB
ajeer-194	119	8	a	a	DET
ajeer-194	119	9	significant	significant	ADJ
ajeer-194	119	10	positive	positive	ADJ
ajeer-194	119	11	impact	impact	NOUN
ajeer-194	119	12	on	on	ADP
ajeer-194	119	13	savings	saving	NOUN
ajeer-194	119	14	,	,	PUNCT
ajeer-194	119	15	while	while	SCONJ
ajeer-194	119	16	results	result	NOUN
ajeer-194	119	17	on	on	ADP
ajeer-194	119	18	inflation	inflation	NOUN
ajeer-194	119	19	variable	variable	NOUN
ajeer-194	119	20	showed	show	VERB
ajeer-194	119	21	a	a	DET
ajeer-194	119	22	significant	significant	ADJ
ajeer-194	119	23	negative	negative	ADJ
ajeer-194	119	24	effect	effect	NOUN
ajeer-194	119	25	on	on	ADP
ajeer-194	119	26	savings	saving	NOUN
ajeer-194	119	27	.	.	PUNCT
ajeer-194	120	1	ozcan	ozcan	PROPN
ajeer-194	120	2	et	et	PROPN
ajeer-194	120	3	al	al	PROPN
ajeer-194	120	4	.	.	PROPN
ajeer-194	121	1	(	(	PUNCT
ajeer-194	121	2	2003	2003	NUM
ajeer-194	121	3	)	)	PUNCT
ajeer-194	121	4	in	in	ADP
ajeer-194	121	5	a	a	DET
ajeer-194	121	6	study	study	NOUN
ajeer-194	121	7	to	to	PART
ajeer-194	121	8	investigate	investigate	VERB
ajeer-194	121	9	the	the	DET
ajeer-194	121	10	savings	saving	NOUN
ajeer-194	121	11	behaviour	behaviour	NOUN
ajeer-194	121	12	in	in	ADP
ajeer-194	121	13	turkey	turkey	NOUN
ajeer-194	121	14	found	find	VERB
ajeer-194	121	15	a	a	DET
ajeer-194	121	16	significantly	significantly	ADV
ajeer-194	121	17	positive	positive	ADJ
ajeer-194	121	18	effect	effect	NOUN
ajeer-194	121	19	of	of	ADP
ajeer-194	121	20	inflation	inflation	NOUN
ajeer-194	121	21	,	,	PUNCT
ajeer-194	121	22	financial	financial	ADJ
ajeer-194	121	23	depth	depth	NOUN
ajeer-194	121	24	and	and	CCONJ
ajeer-194	121	25	measures	measure	NOUN
ajeer-194	121	26	,	,	PUNCT
ajeer-194	121	27	and	and	CCONJ
ajeer-194	121	28	income	income	NOUN
ajeer-194	121	29	level	level	NOUN
ajeer-194	121	30	on	on	ADP
ajeer-194	121	31	savings	saving	NOUN
ajeer-194	121	32	.	.	PUNCT
ajeer-194	122	1	the	the	DET
ajeer-194	122	2	research	research	NOUN
ajeer-194	122	3	in	in	ADP
ajeer-194	122	4	switzerland	switzerland	PROPN
ajeer-194	122	5	,	,	PUNCT
ajeer-194	122	6	dietrich	dietrich	PROPN
ajeer-194	122	7	and	and	CCONJ
ajeer-194	122	8	wanzenried	wanzenrie	VERB
ajeer-194	122	9	(	(	PUNCT
ajeer-194	122	10	2009	2009	NUM
ajeer-194	122	11	)	)	PUNCT
ajeer-194	122	12	found	find	VERB
ajeer-194	122	13	significant	significant	ADJ
ajeer-194	122	14	differences	difference	NOUN
ajeer-194	122	15	in	in	ADP
ajeer-194	122	16	profitability	profitability	NOUN
ajeer-194	122	17	between	between	ADP
ajeer-194	122	18	commercial	commercial	ADJ
ajeer-194	122	19	banks	bank	NOUN
ajeer-194	122	20	and	and	CCONJ
ajeer-194	122	21	these	these	DET
ajeer-194	122	22	differences	difference	NOUN
ajeer-194	122	23	can	can	AUX
ajeer-194	122	24	to	to	ADP
ajeer-194	122	25	a	a	DET
ajeer-194	122	26	large	large	ADJ
ajeer-194	122	27	extent	extent	NOUN
ajeer-194	122	28	be	be	AUX
ajeer-194	122	29	explained	explain	VERB
ajeer-194	122	30	by	by	ADP
ajeer-194	122	31	the	the	DET
ajeer-194	122	32	factors	factor	NOUN
ajeer-194	122	33	included	include	VERB
ajeer-194	122	34	in	in	ADP
ajeer-194	122	35	the	the	DET
ajeer-194	122	36	analysis	analysis	NOUN
ajeer-194	122	37	.	.	PUNCT
ajeer-194	123	1	it	it	PRON
ajeer-194	123	2	found	find	VERB
ajeer-194	123	3	that	that	SCONJ
ajeer-194	123	4	,	,	PUNCT
ajeer-194	123	5	better	well	ADV
ajeer-194	123	6	capitalized	capitalize	VERB
ajeer-194	123	7	banks	bank	NOUN
ajeer-194	123	8	seem	seem	VERB
ajeer-194	123	9	to	to	PART
ajeer-194	123	10	be	be	AUX
ajeer-194	123	11	more	more	ADV
ajeer-194	123	12	profitable	profitable	ADJ
ajeer-194	123	13	.	.	PUNCT
ajeer-194	124	1	also	also	ADV
ajeer-194	124	2	,	,	PUNCT
ajeer-194	124	3	in	in	ADP
ajeer-194	124	4	case	case	NOUN
ajeer-194	124	5	that	that	SCONJ
ajeer-194	124	6	a	a	DET
ajeer-194	124	7	bank	bank	NOUN
ajeer-194	124	8	’s	’s	PART
ajeer-194	124	9	loan	loan	NOUN
ajeer-194	124	10	volume	volume	NOUN
ajeer-194	124	11	is	be	AUX
ajeer-194	124	12	growing	grow	VERB
ajeer-194	124	13	faster	fast	ADV
ajeer-194	124	14	than	than	ADP
ajeer-194	124	15	the	the	DET
ajeer-194	124	16	market	market	NOUN
ajeer-194	124	17	,	,	PUNCT
ajeer-194	124	18	the	the	DET
ajeer-194	124	19	impact	impact	NOUN
ajeer-194	124	20	on	on	ADP
ajeer-194	124	21	bank	bank	NOUN
ajeer-194	124	22	profitability	profitability	NOUN
ajeer-194	124	23	is	be	AUX
ajeer-194	124	24	positive	positive	ADJ
ajeer-194	124	25	.	.	PUNCT
ajeer-194	125	1	they	they	PRON
ajeer-194	125	2	find	find	VERB
ajeer-194	125	3	that	that	SCONJ
ajeer-194	125	4	banks	bank	NOUN
ajeer-194	125	5	with	with	ADP
ajeer-194	125	6	a	a	DET
ajeer-194	125	7	higher	high	ADJ
ajeer-194	125	8	interest	interest	NOUN
ajeer-194	125	9	income	income	NOUN
ajeer-194	125	10	share	share	NOUN
ajeer-194	125	11	are	be	AUX
ajeer-194	125	12	less	less	ADV
ajeer-194	125	13	profitable	profitable	ADJ
ajeer-194	125	14	.	.	PUNCT
ajeer-194	126	1	the	the	DET
ajeer-194	126	2	most	most	ADV
ajeer-194	126	3	important	important	ADJ
ajeer-194	126	4	factors	factor	NOUN
ajeer-194	126	5	are	be	AUX
ajeer-194	126	6	the	the	DET
ajeer-194	126	7	gdp	gdp	NOUN
ajeer-194	126	8	growth	growth	NOUN
ajeer-194	126	9	variable	variable	NOUN
ajeer-194	126	10	,	,	PUNCT
ajeer-194	126	11	which	which	PRON
ajeer-194	126	12	affects	affect	VERB
ajeer-194	126	13	the	the	DET
ajeer-194	126	14	bank	bank	NOUN
ajeer-194	126	15	profitability	profitability	NOUN
ajeer-194	126	16	positively	positively	ADV
ajeer-194	126	17	,	,	PUNCT
ajeer-194	126	18	and	and	CCONJ
ajeer-194	126	19	the	the	DET
ajeer-194	126	20	effective	effective	ADJ
ajeer-194	126	21	tax	tax	NOUN
ajeer-194	126	22	rate	rate	NOUN
ajeer-194	126	23	and	and	CCONJ
ajeer-194	126	24	the	the	DET
ajeer-194	126	25	market	market	NOUN
ajeer-194	126	26	concentration	concentration	NOUN
ajeer-194	126	27	rate	rate	NOUN
ajeer-194	126	28	,	,	PUNCT
ajeer-194	126	29	which	which	PRON
ajeer-194	126	30	both	both	PRON
ajeer-194	126	31	have	have	VERB
ajeer-194	126	32	a	a	DET
ajeer-194	126	33	significantly	significantly	ADV
ajeer-194	126	34	negative	negative	ADJ
ajeer-194	126	35	impact	impact	NOUN
ajeer-194	126	36	on	on	ADP
ajeer-194	126	37	bank	bank	NOUN
ajeer-194	126	38	profitability	profitability	NOUN
ajeer-194	126	39	in	in	ADP
ajeer-194	126	40	switzerland	switzerland	PROPN
ajeer-194	126	41	.	.	PUNCT
ajeer-194	127	1	3	3	X
ajeer-194	127	2	.	.	X
ajeer-194	127	3	methodology	methodology	NOUN
ajeer-194	127	4	3.1	3.1	NUM
ajeer-194	127	5	.	.	PUNCT
ajeer-194	128	1	data	datum	NOUN
ajeer-194	128	2	and	and	CCONJ
ajeer-194	128	3	model	model	NOUN
ajeer-194	128	4	specification	specification	NOUN
ajeer-194	128	5	the	the	DET
ajeer-194	128	6	study	study	NOUN
ajeer-194	128	7	evaluates	evaluate	VERB
ajeer-194	128	8	the	the	DET
ajeer-194	128	9	determinants	determinant	NOUN
ajeer-194	128	10	of	of	ADP
ajeer-194	128	11	bank	bank	NOUN
ajeer-194	128	12	deposits	deposit	NOUN
ajeer-194	128	13	in	in	ADP
ajeer-194	128	14	ghana	ghana	PROPN
ajeer-194	128	15	using	use	VERB
ajeer-194	128	16	time	time	NOUN
ajeer-194	128	17	series	series	PROPN
ajeer-194	128	18	data	datum	NOUN
ajeer-194	128	19	of	of	ADP
ajeer-194	128	20	financial	financial	ADJ
ajeer-194	128	21	(	(	PUNCT
ajeer-194	128	22	bank	bank	NOUN
ajeer-194	128	23	level	level	NOUN
ajeer-194	128	24	data	datum	NOUN
ajeer-194	128	25	)	)	PUNCT
ajeer-194	128	26	and	and	CCONJ
ajeer-194	128	27	macroeconomic	macroeconomic	ADJ
ajeer-194	128	28	variables	variable	NOUN
ajeer-194	128	29	for	for	ADP
ajeer-194	128	30	the	the	DET
ajeer-194	128	31	period	period	NOUN
ajeer-194	128	32	2000	2000	NUM
ajeer-194	128	33	to	to	ADP
ajeer-194	128	34	2013	2013	NUM
ajeer-194	128	35	.	.	PUNCT
ajeer-194	129	1	the	the	DET
ajeer-194	129	2	methodology	methodology	NOUN
ajeer-194	129	3	of	of	ADP
ajeer-194	129	4	the	the	DET
ajeer-194	129	5	study	study	NOUN
ajeer-194	129	6	provides	provide	VERB
ajeer-194	129	7	a	a	DET
ajeer-194	129	8	brief	brief	ADJ
ajeer-194	129	9	description	description	NOUN
ajeer-194	129	10	of	of	ADP
ajeer-194	129	11	the	the	DET
ajeer-194	129	12	model	model	NOUN
ajeer-194	129	13	,	,	PUNCT
ajeer-194	129	14	estimation	estimation	NOUN
ajeer-194	129	15	technique	technique	NOUN
ajeer-194	129	16	,	,	PUNCT
ajeer-194	129	17	data	datum	NOUN
ajeer-194	129	18	source	source	NOUN
ajeer-194	129	19	,	,	PUNCT
ajeer-194	129	20	and	and	CCONJ
ajeer-194	129	21	definition	definition	NOUN
ajeer-194	129	22	of	of	ADP
ajeer-194	129	23	the	the	DET
ajeer-194	129	24	variables	variable	NOUN
ajeer-194	129	25	of	of	ADP
ajeer-194	129	26	the	the	DET
ajeer-194	129	27	model	model	NOUN
ajeer-194	129	28	with	with	ADP
ajeer-194	129	29	the	the	DET
ajeer-194	129	30	prior	prior	ADJ
ajeer-194	129	31	expectations	expectation	NOUN
ajeer-194	129	32	.	.	PUNCT
ajeer-194	130	1	this	this	DET
ajeer-194	130	2	study	study	NOUN
ajeer-194	130	3	employ	employ	VERB
ajeer-194	130	4	two	two	NUM
ajeer-194	130	5	broad	broad	ADJ
ajeer-194	130	6	category	category	NOUN
ajeer-194	130	7	of	of	ADP
ajeer-194	130	8	time	time	NOUN
ajeer-194	130	9	series	series	PROPN
ajeer-194	130	10	variables	variable	NOUN
ajeer-194	130	11	;	;	PUNCT
ajeer-194	130	12	economic	economic	ADJ
ajeer-194	130	13	and	and	CCONJ
ajeer-194	130	14	financial	financial	ADJ
ajeer-194	130	15	variables	variable	NOUN
ajeer-194	130	16	in	in	ADP
ajeer-194	130	17	the	the	DET
ajeer-194	130	18	deposit	deposit	NOUN
ajeer-194	130	19	determinants	determinant	NOUN
ajeer-194	130	20	of	of	ADP
ajeer-194	130	21	banks	bank	NOUN
ajeer-194	130	22	in	in	ADP
ajeer-194	130	23	ghana	ghana	PROPN
ajeer-194	130	24	.	.	PUNCT
ajeer-194	131	1	the	the	DET
ajeer-194	131	2	economic	economic	ADJ
ajeer-194	131	3	variables	variable	NOUN
ajeer-194	131	4	were	be	AUX
ajeer-194	131	5	the	the	DET
ajeer-194	131	6	growth	growth	NOUN
ajeer-194	131	7	of	of	ADP
ajeer-194	131	8	money	money	NOUN
ajeer-194	131	9	supple	supple	ADJ
ajeer-194	131	10	(	(	PUNCT
ajeer-194	131	11	gm2	gm2	PROPN
ajeer-194	131	12	+	+	NOUN
ajeer-194	131	13	)	)	PUNCT
ajeer-194	131	14	,	,	PUNCT
ajeer-194	131	15	consumer	consumer	NOUN
ajeer-194	131	16	price	price	NOUN
ajeer-194	131	17	index	index	NOUN
ajeer-194	131	18	(	(	PUNCT
ajeer-194	131	19	cpi	cpi	PROPN
ajeer-194	131	20	)	)	PUNCT
ajeer-194	131	21	,	,	PUNCT
ajeer-194	131	22	the	the	DET
ajeer-194	131	23	monetary	monetary	ADJ
ajeer-194	131	24	policy	policy	NOUN
ajeer-194	131	25	rate	rate	NOUN
ajeer-194	131	26	(	(	PUNCT
ajeer-194	131	27	mpr	mpr	NOUN
ajeer-194	131	28	)	)	PUNCT
ajeer-194	131	29	,	,	PUNCT
ajeer-194	131	30	and	and	CCONJ
ajeer-194	131	31	the	the	DET
ajeer-194	131	32	all	all	DET
ajeer-194	131	33	share	share	NOUN
ajeer-194	131	34	index	index	NOUN
ajeer-194	131	35	(	(	PUNCT
ajeer-194	131	36	asi	asi	NOUN
ajeer-194	131	37	)	)	PUNCT
ajeer-194	131	38	whereas	whereas	SCONJ
ajeer-194	131	39	the	the	DET
ajeer-194	131	40	financial	financial	ADJ
ajeer-194	131	41	variables	variable	NOUN
ajeer-194	131	42	consist	consist	VERB
ajeer-194	131	43	of	of	ADP
ajeer-194	131	44	the	the	DET
ajeer-194	131	45	interest	interest	NOUN
ajeer-194	131	46	rates	rate	NOUN
ajeer-194	131	47	on	on	ADP
ajeer-194	131	48	deposits	deposit	NOUN
ajeer-194	131	49	(	(	PUNCT
ajeer-194	131	50	din	din	NOUN
ajeer-194	131	51	)	)	PUNCT
ajeer-194	131	52	.	.	PUNCT
ajeer-194	132	1	in	in	ADP
ajeer-194	132	2	order	order	NOUN
ajeer-194	132	3	to	to	PART
ajeer-194	132	4	determine	determine	VERB
ajeer-194	132	5	the	the	DET
ajeer-194	132	6	effect	effect	NOUN
ajeer-194	132	7	of	of	ADP
ajeer-194	132	8	the	the	DET
ajeer-194	132	9	above	above	ADJ
ajeer-194	132	10	mentioned	mention	VERB
ajeer-194	132	11	economic	economic	ADJ
ajeer-194	132	12	and	and	CCONJ
ajeer-194	132	13	financial	financial	ADJ
ajeer-194	132	14	variables	variable	NOUN
ajeer-194	132	15	on	on	ADP
ajeer-194	132	16	customer	customer	NOUN
ajeer-194	132	17	deposits	deposit	NOUN
ajeer-194	132	18	at	at	ADP
ajeer-194	132	19	banks	bank	NOUN
ajeer-194	132	20	in	in	ADP
ajeer-194	132	21	ghana	ghana	PROPN
ajeer-194	132	22	,	,	PUNCT
ajeer-194	132	23	the	the	DET
ajeer-194	132	24	study	study	NOUN
ajeer-194	132	25	employ	employ	VERB
ajeer-194	132	26	the	the	DET
ajeer-194	132	27	mathematical	mathematical	ADJ
ajeer-194	132	28	model	model	NOUN
ajeer-194	132	29	as	as	ADP
ajeer-194	132	30	below	below	ADV
ajeer-194	132	31	:	:	PUNCT
ajeer-194	132	32	(	(	PUNCT
ajeer-194	132	33	)	)	PUNCT
ajeer-194	132	34	(	(	PUNCT
ajeer-194	132	35	)	)	PUNCT
ajeer-194	132	36	where	where	SCONJ
ajeer-194	132	37	d	d	NOUN
ajeer-194	132	38	=	=	SYM
ajeer-194	132	39	total	total	ADJ
ajeer-194	132	40	deposit	deposit	NOUN
ajeer-194	132	41	balance	balance	NOUN
ajeer-194	132	42	at	at	ADP
ajeer-194	132	43	banks	bank	NOUN
ajeer-194	132	44	din	din	VERB
ajeer-194	132	45	=	=	NOUN
ajeer-194	132	46	deposit	deposit	NOUN
ajeer-194	132	47	interest	interest	NOUN
ajeer-194	132	48	rate	rate	NOUN
ajeer-194	132	49	mpr	mpr	NOUN
ajeer-194	132	50	=	=	PUNCT
ajeer-194	132	51	monetary	monetary	ADJ
ajeer-194	132	52	policy	policy	NOUN
ajeer-194	132	53	rate	rate	NOUN
ajeer-194	132	54	gm2	gm2	PROPN
ajeer-194	132	55	+	+	CCONJ
ajeer-194	132	56	=	=	SYM
ajeer-194	132	57	growth	growth	NOUN
ajeer-194	132	58	of	of	ADP
ajeer-194	132	59	broad	broad	ADJ
ajeer-194	132	60	money	money	NOUN
ajeer-194	132	61	supply	supply	NOUN
ajeer-194	132	62	asi	asi	NOUN
ajeer-194	132	63	=	=	NOUN
ajeer-194	132	64	composite	composite	ADJ
ajeer-194	132	65	index	index	NOUN
ajeer-194	132	66	(	(	PUNCT
ajeer-194	132	67	all	all	DET
ajeer-194	132	68	share	share	NOUN
ajeer-194	132	69	index	index	NOUN
ajeer-194	132	70	)	)	PUNCT
ajeer-194	132	71	cpi	cpi	NOUN
ajeer-194	132	72	=	=	SYM
ajeer-194	132	73	consumer	consumer	NOUN
ajeer-194	132	74	price	price	NOUN
ajeer-194	132	75	index	index	NOUN
ajeer-194	132	76	;	;	PUNCT
ajeer-194	132	77	and	and	CCONJ
ajeer-194	132	78	t	t	PROPN
ajeer-194	132	79	denotes	denote	NOUN
ajeer-194	132	80	time	time	NOUN
ajeer-194	132	81	.	.	PUNCT
ajeer-194	133	1	the	the	DET
ajeer-194	133	2	dependent	dependent	ADJ
ajeer-194	133	3	variable	variable	NOUN
ajeer-194	133	4	of	of	ADP
ajeer-194	133	5	the	the	DET
ajeer-194	133	6	model	model	NOUN
ajeer-194	133	7	is	be	AUX
ajeer-194	133	8	the	the	DET
ajeer-194	133	9	total	total	ADJ
ajeer-194	133	10	bank	bank	NOUN
ajeer-194	133	11	deposits	deposit	NOUN
ajeer-194	133	12	(	(	PUNCT
ajeer-194	133	13	including	include	VERB
ajeer-194	133	14	current	current	ADJ
ajeer-194	133	15	account	account	NOUN
ajeer-194	133	16	balance	balance	NOUN
ajeer-194	133	17	,	,	PUNCT
ajeer-194	133	18	savings	saving	NOUN
ajeer-194	133	19	account	account	NOUN
ajeer-194	133	20	balance	balance	NOUN
ajeer-194	133	21	,	,	PUNCT
ajeer-194	133	22	and	and	CCONJ
ajeer-194	133	23	fixed	fix	VERB
ajeer-194	133	24	deposit	deposit	NOUN
ajeer-194	133	25	balance	balance	NOUN
ajeer-194	133	26	)	)	PUNCT
ajeer-194	133	27	and	and	CCONJ
ajeer-194	133	28	the	the	DET
ajeer-194	133	29	independent	independent	ADJ
ajeer-194	133	30	variables	variable	NOUN
ajeer-194	133	31	are	be	AUX
ajeer-194	133	32	deposit	deposit	NOUN
ajeer-194	133	33	interest	interest	NOUN
ajeer-194	133	34	rate	rate	NOUN
ajeer-194	133	35	(	(	PUNCT
ajeer-194	133	36	din	din	NOUN
ajeer-194	133	37	)	)	PUNCT
ajeer-194	133	38	,	,	PUNCT
ajeer-194	133	39	monetary	monetary	ADJ
ajeer-194	133	40	policy	policy	NOUN
ajeer-194	133	41	rate	rate	NOUN
ajeer-194	133	42	(	(	PUNCT
ajeer-194	133	43	mpr	mpr	NOUN
ajeer-194	133	44	)	)	PUNCT
ajeer-194	133	45	,	,	PUNCT
ajeer-194	133	46	growth	growth	NOUN
ajeer-194	133	47	in	in	ADP
ajeer-194	133	48	money	money	NOUN
ajeer-194	133	49	supply	supply	NOUN
ajeer-194	133	50	(	(	PUNCT
ajeer-194	133	51	gm2	gm2	PROPN
ajeer-194	133	52	+	+	NOUN
ajeer-194	133	53	)	)	PUNCT
ajeer-194	133	54	,	,	PUNCT
ajeer-194	133	55	consumer	consumer	NOUN
ajeer-194	133	56	price	price	NOUN
ajeer-194	133	57	index	index	NOUN
ajeer-194	133	58	(	(	PUNCT
ajeer-194	133	59	cpi	cpi	PROPN
ajeer-194	133	60	)	)	PUNCT
ajeer-194	133	61	,	,	PUNCT
ajeer-194	133	62	and	and	CCONJ
ajeer-194	133	63	all	all	DET
ajeer-194	133	64	share	share	NOUN
ajeer-194	133	65	index	index	NOUN
ajeer-194	133	66	(	(	PUNCT
ajeer-194	133	67	asi	asi	NOUN
ajeer-194	133	68	)	)	PUNCT
ajeer-194	133	69	.	.	PUNCT
ajeer-194	134	1	table.1	table.1	VERB
ajeer-194	134	2	below	below	ADV
ajeer-194	134	3	shows	show	VERB
ajeer-194	134	4	the	the	DET
ajeer-194	134	5	variables	variable	NOUN
ajeer-194	134	6	of	of	ADP
ajeer-194	134	7	the	the	DET
ajeer-194	134	8	model	model	NOUN
ajeer-194	134	9	,	,	PUNCT
ajeer-194	134	10	and	and	CCONJ
ajeer-194	134	11	expected	expect	VERB
ajeer-194	134	12	effect	effect	NOUN
ajeer-194	134	13	of	of	ADP
ajeer-194	134	14	the	the	DET
ajeer-194	134	15	various	various	ADJ
ajeer-194	134	16	variables	variable	NOUN
ajeer-194	134	17	on	on	ADP
ajeer-194	134	18	consumer	consumer	NOUN
ajeer-194	134	19	deposits	deposit	NOUN
ajeer-194	134	20	.	.	PUNCT
ajeer-194	135	1	table-1	table-1	NUM
ajeer-194	135	2	.	.	PUNCT
ajeer-194	136	1	variables	variable	NOUN
ajeer-194	136	2	,	,	PUNCT
ajeer-194	136	3	their	their	PRON
ajeer-194	136	4	denotations	denotation	NOUN
ajeer-194	136	5	and	and	CCONJ
ajeer-194	136	6	expected	expect	VERB
ajeer-194	136	7	signs	sign	NOUN
ajeer-194	136	8	variables	variable	VERB
ajeer-194	136	9	denotation	denotation	NOUN
ajeer-194	136	10	unit	unit	NOUN
ajeer-194	136	11	expected	expect	VERB
ajeer-194	136	12	sign	sign	VERB
ajeer-194	136	13	total	total	ADJ
ajeer-194	136	14	bank	bank	NOUN
ajeer-194	136	15	deposit	deposit	NOUN
ajeer-194	136	16	d	d	NOUN
ajeer-194	136	17	ghc	ghc	NOUN
ajeer-194	136	18	interest	interest	NOUN
ajeer-194	136	19	rate	rate	NOUN
ajeer-194	136	20	din	din	VERB
ajeer-194	136	21	percentage	percentage	NOUN
ajeer-194	136	22	+	+	CCONJ
ajeer-194	136	23	monetary	monetary	ADJ
ajeer-194	136	24	policy	policy	NOUN
ajeer-194	136	25	rate	rate	NOUN
ajeer-194	136	26	mpr	mpr	NOUN
ajeer-194	136	27	percentage	percentage	NOUN
ajeer-194	136	28	+	+	CCONJ
ajeer-194	136	29	continue	continue	VERB
ajeer-194	136	30	asian	asian	ADJ
ajeer-194	136	31	journal	journal	NOUN
ajeer-194	136	32	of	of	ADP
ajeer-194	136	33	economics	economic	NOUN
ajeer-194	136	34	and	and	CCONJ
ajeer-194	136	35	empirical	empirical	ADJ
ajeer-194	136	36	research	research	NOUN
ajeer-194	136	37	,	,	PUNCT
ajeer-194	136	38	2015	2015	NUM
ajeer-194	136	39	,	,	PUNCT
ajeer-194	136	40	2(1):1	2(1):1	NUM
ajeer-194	136	41	-	-	SYM
ajeer-194	136	42	7	7	NUM
ajeer-194	136	43	5	5	NUM
ajeer-194	136	44	3.2	3.2	NUM
ajeer-194	136	45	.	.	PUNCT
ajeer-194	137	1	empirical	empirical	ADJ
ajeer-194	137	2	model	model	NOUN
ajeer-194	137	3	and	and	CCONJ
ajeer-194	137	4	estimation	estimation	NOUN
ajeer-194	137	5	technique	technique	NOUN
ajeer-194	137	6	the	the	DET
ajeer-194	137	7	relationship	relationship	NOUN
ajeer-194	137	8	of	of	ADP
ajeer-194	137	9	the	the	DET
ajeer-194	137	10	various	various	ADJ
ajeer-194	137	11	variables	variable	NOUN
ajeer-194	137	12	under	under	ADP
ajeer-194	137	13	consideration	consideration	NOUN
ajeer-194	137	14	against	against	ADP
ajeer-194	137	15	time	time	NOUN
ajeer-194	137	16	are	be	AUX
ajeer-194	137	17	used	use	VERB
ajeer-194	137	18	in	in	ADP
ajeer-194	137	19	examining	examine	VERB
ajeer-194	137	20	the	the	DET
ajeer-194	137	21	trend	trend	NOUN
ajeer-194	137	22	of	of	ADP
ajeer-194	137	23	bank	bank	NOUN
ajeer-194	137	24	deposits	deposit	NOUN
ajeer-194	137	25	(	(	PUNCT
ajeer-194	137	26	d	d	NOUN
ajeer-194	137	27	)	)	PUNCT
ajeer-194	137	28	,	,	PUNCT
ajeer-194	137	29	inflation	inflation	NOUN
ajeer-194	137	30	rate	rate	NOUN
ajeer-194	137	31	(	(	PUNCT
ajeer-194	137	32	cpi	cpi	PROPN
ajeer-194	137	33	)	)	PUNCT
ajeer-194	137	34	,	,	PUNCT
ajeer-194	137	35	money	money	NOUN
ajeer-194	137	36	supply	supply	NOUN
ajeer-194	137	37	(	(	PUNCT
ajeer-194	137	38	m2	m2	PROPN
ajeer-194	137	39	+	+	PROPN
ajeer-194	137	40	)	)	PUNCT
ajeer-194	137	41	,	,	PUNCT
ajeer-194	137	42	all	all	DET
ajeer-194	137	43	share	share	NOUN
ajeer-194	137	44	index	index	NOUN
ajeer-194	137	45	(	(	PUNCT
ajeer-194	137	46	asi	asi	NOUN
ajeer-194	137	47	)	)	PUNCT
ajeer-194	137	48	,	,	PUNCT
ajeer-194	137	49	monetary	monetary	ADJ
ajeer-194	137	50	policy	policy	NOUN
ajeer-194	137	51	rate	rate	NOUN
ajeer-194	137	52	(	(	PUNCT
ajeer-194	137	53	mpr	mpr	NOUN
ajeer-194	137	54	)	)	PUNCT
ajeer-194	137	55	,	,	PUNCT
ajeer-194	137	56	and	and	CCONJ
ajeer-194	137	57	deposit	deposit	NOUN
ajeer-194	137	58	interest	interest	NOUN
ajeer-194	137	59	rate	rate	NOUN
ajeer-194	137	60	(	(	PUNCT
ajeer-194	137	61	din	din	NOUN
ajeer-194	137	62	)	)	PUNCT
ajeer-194	137	63	.	.	PUNCT
ajeer-194	138	1	with	with	SCONJ
ajeer-194	138	2	the	the	DET
ajeer-194	138	3	objective	objective	NOUN
ajeer-194	138	4	to	to	PART
ajeer-194	138	5	examine	examine	VERB
ajeer-194	138	6	the	the	DET
ajeer-194	138	7	determinants	determinant	NOUN
ajeer-194	138	8	of	of	ADP
ajeer-194	138	9	bank	bank	NOUN
ajeer-194	138	10	deposits	deposit	NOUN
ajeer-194	138	11	.	.	PUNCT
ajeer-194	139	1	the	the	DET
ajeer-194	139	2	model	model	NOUN
ajeer-194	139	3	to	to	PART
ajeer-194	139	4	be	be	AUX
ajeer-194	139	5	estimated	estimate	VERB
ajeer-194	139	6	is	be	AUX
ajeer-194	139	7	as	as	SCONJ
ajeer-194	139	8	follows	follow	VERB
ajeer-194	139	9	:	:	PUNCT
ajeer-194	139	10	(	(	PUNCT
ajeer-194	139	11	)	)	PUNCT
ajeer-194	140	1	where	where	SCONJ
ajeer-194	140	2	d	d	NOUN
ajeer-194	140	3	,	,	PUNCT
ajeer-194	140	4	din	din	NOUN
ajeer-194	140	5	,	,	PUNCT
ajeer-194	140	6	mpr	mpr	NOUN
ajeer-194	140	7	,	,	PUNCT
ajeer-194	140	8	asi	asi	NOUN
ajeer-194	140	9	,	,	PUNCT
ajeer-194	140	10	gm2	gm2	PROPN
ajeer-194	140	11	+	+	PROPN
ajeer-194	140	12	,	,	PUNCT
ajeer-194	140	13	and	and	CCONJ
ajeer-194	140	14	cpi	cpi	NOUN
ajeer-194	140	15	is	be	AUX
ajeer-194	140	16	as	as	ADV
ajeer-194	140	17	defined	define	VERB
ajeer-194	140	18	above	above	ADV
ajeer-194	140	19	,	,	PUNCT
ajeer-194	140	20	and	and	CCONJ
ajeer-194	140	21	l	l	NOUN
ajeer-194	140	22	denote	denote	VERB
ajeer-194	140	23	the	the	DET
ajeer-194	140	24	log	log	NOUN
ajeer-194	140	25	i	i	PRON
ajeer-194	140	26	,	,	PUNCT
ajeer-194	140	27	i=0,1,2	i=0,1,2	NUM
ajeer-194	140	28	…	…	NUM
ajeer-194	140	29	.	.	PUNCT
ajeer-194	140	30	is	be	AUX
ajeer-194	140	31	the	the	DET
ajeer-194	140	32	parameter	parameter	NOUN
ajeer-194	140	33	estimates	estimate	NOUN
ajeer-194	140	34	of	of	ADP
ajeer-194	140	35	the	the	DET
ajeer-194	140	36	regressors	regressor	NOUN
ajeer-194	140	37	,	,	PUNCT
ajeer-194	140	38	and	and	CCONJ
ajeer-194	140	39	is	be	AUX
ajeer-194	140	40	error	error	NOUN
ajeer-194	140	41	term	term	NOUN
ajeer-194	140	42	.	.	PUNCT
ajeer-194	141	1	annual	annual	ADJ
ajeer-194	141	2	data	datum	NOUN
ajeer-194	141	3	is	be	AUX
ajeer-194	141	4	employed	employ	VERB
ajeer-194	141	5	to	to	PART
ajeer-194	141	6	undertake	undertake	VERB
ajeer-194	141	7	the	the	DET
ajeer-194	141	8	analysis	analysis	NOUN
ajeer-194	141	9	in	in	ADP
ajeer-194	141	10	examining	examine	VERB
ajeer-194	141	11	the	the	DET
ajeer-194	141	12	effect	effect	NOUN
ajeer-194	141	13	of	of	ADP
ajeer-194	141	14	the	the	DET
ajeer-194	141	15	selected	select	VERB
ajeer-194	141	16	macroeconomic	macroeconomic	ADJ
ajeer-194	141	17	variables	variable	NOUN
ajeer-194	141	18	on	on	ADP
ajeer-194	141	19	bank	bank	NOUN
ajeer-194	141	20	deposits	deposit	NOUN
ajeer-194	141	21	.	.	PUNCT
ajeer-194	142	1	there	there	PRON
ajeer-194	142	2	is	be	VERB
ajeer-194	142	3	the	the	DET
ajeer-194	142	4	need	need	NOUN
ajeer-194	142	5	to	to	PART
ajeer-194	142	6	ensure	ensure	VERB
ajeer-194	142	7	that	that	SCONJ
ajeer-194	142	8	the	the	DET
ajeer-194	142	9	data	datum	NOUN
ajeer-194	142	10	coverage	coverage	NOUN
ajeer-194	142	11	is	be	AUX
ajeer-194	142	12	sufficient	sufficient	ADJ
ajeer-194	142	13	enough	enough	ADV
ajeer-194	142	14	for	for	ADP
ajeer-194	142	15	meaningful	meaningful	ADJ
ajeer-194	142	16	analysis	analysis	NOUN
ajeer-194	142	17	hence	hence	ADV
ajeer-194	142	18	the	the	DET
ajeer-194	142	19	period	period	NOUN
ajeer-194	142	20	under	under	ADP
ajeer-194	142	21	consideration	consideration	NOUN
ajeer-194	142	22	is	be	AUX
ajeer-194	142	23	2000	2000	NUM
ajeer-194	142	24	-2013	-2013	NOUN
ajeer-194	142	25	.	.	PROPN
ajeer-194	143	1	4	4	NUM
ajeer-194	143	2	.	.	X
ajeer-194	143	3	data	datum	NOUN
ajeer-194	143	4	analysis	analysis	NOUN
ajeer-194	143	5	and	and	CCONJ
ajeer-194	143	6	findings	finding	NOUN
ajeer-194	143	7	4.1	4.1	NUM
ajeer-194	143	8	.	.	PUNCT
ajeer-194	144	1	unit	unit	NOUN
ajeer-194	144	2	root	root	PROPN
ajeer-194	144	3	test	test	NOUN
ajeer-194	144	4	–	–	PUNCT
ajeer-194	144	5	augmented	augment	VERB
ajeer-194	144	6	-	-	PUNCT
ajeer-194	144	7	dickey	dickey	NOUN
ajeer-194	144	8	fuller	full	ADJ
ajeer-194	144	9	the	the	DET
ajeer-194	144	10	results	result	NOUN
ajeer-194	144	11	of	of	ADP
ajeer-194	144	12	the	the	DET
ajeer-194	144	13	unit	unit	NOUN
ajeer-194	144	14	root	root	NOUN
ajeer-194	144	15	test	test	NOUN
ajeer-194	144	16	(	(	PUNCT
ajeer-194	144	17	table	table	NOUN
ajeer-194	144	18	.	.	PUNCT
ajeer-194	145	1	2	2	X
ajeer-194	145	2	)	)	PUNCT
ajeer-194	145	3	demonstrate	demonstrate	VERB
ajeer-194	145	4	that	that	SCONJ
ajeer-194	145	5	all	all	DET
ajeer-194	145	6	the	the	DET
ajeer-194	145	7	variables	variable	NOUN
ajeer-194	145	8	asides	aside	VERB
ajeer-194	145	9	growth	growth	NOUN
ajeer-194	145	10	of	of	ADP
ajeer-194	145	11	money	money	NOUN
ajeer-194	145	12	supply	supply	NOUN
ajeer-194	145	13	are	be	AUX
ajeer-194	145	14	not	not	PART
ajeer-194	145	15	stationary	stationary	ADJ
ajeer-194	145	16	at	at	ADP
ajeer-194	145	17	the	the	DET
ajeer-194	145	18	level	level	NOUN
ajeer-194	145	19	.	.	PUNCT
ajeer-194	146	1	growth	growth	NOUN
ajeer-194	146	2	of	of	ADP
ajeer-194	146	3	broad	broad	ADJ
ajeer-194	146	4	money	money	NOUN
ajeer-194	146	5	supply	supply	NOUN
ajeer-194	146	6	is	be	AUX
ajeer-194	146	7	i(0	i(0	PROPN
ajeer-194	146	8	)	)	PUNCT
ajeer-194	146	9	at	at	ADP
ajeer-194	146	10	the	the	DET
ajeer-194	146	11	level	level	NOUN
ajeer-194	146	12	showing	show	VERB
ajeer-194	146	13	the	the	DET
ajeer-194	146	14	acceptance	acceptance	NOUN
ajeer-194	146	15	of	of	ADP
ajeer-194	146	16	the	the	DET
ajeer-194	146	17	null	null	ADJ
ajeer-194	146	18	hypothesis	hypothesis	NOUN
ajeer-194	146	19	that	that	SCONJ
ajeer-194	146	20	there	there	PRON
ajeer-194	146	21	is	be	VERB
ajeer-194	146	22	unit	unit	NOUN
ajeer-194	146	23	root	root	NOUN
ajeer-194	146	24	or	or	CCONJ
ajeer-194	146	25	i(1	i(1	NOUN
ajeer-194	146	26	)	)	PUNCT
ajeer-194	146	27	for	for	ADP
ajeer-194	146	28	those	those	DET
ajeer-194	146	29	variables	variable	NOUN
ajeer-194	146	30	.	.	PUNCT
ajeer-194	147	1	nonetheless	nonetheless	ADV
ajeer-194	147	2	,	,	PUNCT
ajeer-194	147	3	all	all	DET
ajeer-194	147	4	display	display	NOUN
ajeer-194	147	5	stationarity	stationarity	NOUN
ajeer-194	147	6	after	after	ADP
ajeer-194	147	7	the	the	DET
ajeer-194	147	8	first	first	ADJ
ajeer-194	147	9	distinction	distinction	NOUN
ajeer-194	147	10	i(1	i(1	PROPN
ajeer-194	147	11	)	)	PUNCT
ajeer-194	147	12	.	.	PUNCT
ajeer-194	148	1	the	the	DET
ajeer-194	148	2	i(1	i(1	PROPN
ajeer-194	148	3	)	)	PUNCT
ajeer-194	148	4	time	time	NOUN
ajeer-194	148	5	series	series	PROPN
ajeer-194	148	6	variables	variable	NOUN
ajeer-194	148	7	subsequently	subsequently	ADV
ajeer-194	148	8	warrants	warrant	VERB
ajeer-194	148	9	the	the	DET
ajeer-194	148	10	conduction	conduction	NOUN
ajeer-194	148	11	of	of	ADP
ajeer-194	148	12	a	a	DET
ajeer-194	148	13	johansen	johansen	PROPN
ajeer-194	148	14	-	-	PUNCT
ajeer-194	148	15	juselius	juselius	NOUN
ajeer-194	148	16	cointegration	cointegration	NOUN
ajeer-194	148	17	analysis	analysis	NOUN
ajeer-194	148	18	.	.	PUNCT
ajeer-194	149	1	below	below	ADV
ajeer-194	149	2	are	be	AUX
ajeer-194	149	3	the	the	DET
ajeer-194	149	4	results	result	NOUN
ajeer-194	149	5	of	of	ADP
ajeer-194	149	6	the	the	DET
ajeer-194	149	7	unit	unit	NOUN
ajeer-194	149	8	root	root	NOUN
ajeer-194	149	9	test	test	NOUN
ajeer-194	149	10	:	:	PUNCT
ajeer-194	149	11	table-2	table-2	X
ajeer-194	149	12	.	.	NOUN
ajeer-194	149	13	augmented	augment	VERB
ajeer-194	149	14	dickey	dickey	PROPN
ajeer-194	149	15	fuller	full	ADJ
ajeer-194	149	16	(	(	PUNCT
ajeer-194	149	17	adf	adf	NOUN
ajeer-194	149	18	)	)	PUNCT
ajeer-194	149	19	test	test	NOUN
ajeer-194	149	20	for	for	ADP
ajeer-194	149	21	unit	unit	NOUN
ajeer-194	149	22	root	root	PROPN
ajeer-194	149	23	variables	variable	NOUN
ajeer-194	149	24	test	test	NOUN
ajeer-194	149	25	statistic	statistic	NOUN
ajeer-194	149	26	level	level	NOUN
ajeer-194	149	27	of	of	ADP
ajeer-194	149	28	integration	integration	NOUN
ajeer-194	149	29	ld	ld	NOUN
ajeer-194	149	30	*	*	PUNCT
ajeer-194	149	31	*	*	PUNCT
ajeer-194	149	32	*	*	PUNCT
ajeer-194	149	33	-7.534	-7.534	PUNCT
ajeer-194	149	34	i(1	i(1	PROPN
ajeer-194	149	35	)	)	PUNCT
ajeer-194	149	36	lgm2	lgm2	PROPN
ajeer-194	150	1	+	+	CCONJ
ajeer-194	150	2	*	*	PUNCT
ajeer-194	150	3	-3.796	-3.796	PUNCT
ajeer-194	150	4	i(1	i(1	PROPN
ajeer-194	150	5	)	)	PUNCT
ajeer-194	151	1	ldin	ldin	VERB
ajeer-194	151	2	*	*	PUNCT
ajeer-194	151	3	*	*	PUNCT
ajeer-194	151	4	-3.349	-3.349	PUNCT
ajeer-194	151	5	i(1	i(1	NOUN
ajeer-194	151	6	)	)	PUNCT
ajeer-194	151	7	lcpi	lcpi	NOUN
ajeer-194	151	8	*	*	PUNCT
ajeer-194	151	9	*	*	PUNCT
ajeer-194	151	10	-3.123	-3.123	PUNCT
ajeer-194	151	11	i(1	i(1	PROPN
ajeer-194	151	12	)	)	PUNCT
ajeer-194	151	13	lmpr	lmpr	NOUN
ajeer-194	151	14	*	*	PUNCT
ajeer-194	151	15	*	*	PUNCT
ajeer-194	151	16	*	*	PUNCT
ajeer-194	151	17	-4.530	-4.530	ADJ
ajeer-194	151	18	i(1	i(1	PROPN
ajeer-194	151	19	)	)	PUNCT
ajeer-194	151	20	lasi	lasi	PROPN
ajeer-194	151	21	*	*	PUNCT
ajeer-194	151	22	*	*	PUNCT
ajeer-194	151	23	*	*	PUNCT
ajeer-194	151	24	-3.843	-3.843	PUNCT
ajeer-194	151	25	i(1	i(1	PROPN
ajeer-194	151	26	)	)	PUNCT
ajeer-194	151	27	*	*	PUNCT
ajeer-194	151	28	,	,	PUNCT
ajeer-194	151	29	*	*	PUNCT
ajeer-194	151	30	*	*	PUNCT
ajeer-194	151	31	,	,	PUNCT
ajeer-194	151	32	&	&	CCONJ
ajeer-194	151	33	*	*	PUNCT
ajeer-194	151	34	*	*	PUNCT
ajeer-194	151	35	*	*	PUNCT
ajeer-194	151	36	represent	represent	VERB
ajeer-194	151	37	stationarity	stationarity	NOUN
ajeer-194	151	38	at	at	ADP
ajeer-194	151	39	10	10	NUM
ajeer-194	151	40	%	%	NOUN
ajeer-194	151	41	,	,	PUNCT
ajeer-194	151	42	5	5	NUM
ajeer-194	151	43	%	%	NOUN
ajeer-194	151	44	,	,	PUNCT
ajeer-194	151	45	&	&	CCONJ
ajeer-194	151	46	1	1	NUM
ajeer-194	151	47	%	%	NOUN
ajeer-194	151	48	respectively	respectively	ADV
ajeer-194	151	49	.	.	PUNCT
ajeer-194	152	1	4.2	4.2	NUM
ajeer-194	152	2	.	.	PUNCT
ajeer-194	152	3	cointegration	cointegration	NOUN
ajeer-194	152	4	test	test	NOUN
ajeer-194	152	5	johansen	johansen	PROPN
ajeer-194	152	6	-	-	PUNCT
ajeer-194	152	7	juselius	juselius	NOUN
ajeer-194	152	8	multivariate	multivariate	NOUN
ajeer-194	152	9	while	while	SCONJ
ajeer-194	152	10	one	one	NUM
ajeer-194	152	11	of	of	ADP
ajeer-194	152	12	the	the	DET
ajeer-194	152	13	variables	variable	NOUN
ajeer-194	152	14	was	be	AUX
ajeer-194	152	15	i(0	i(0	PROPN
ajeer-194	152	16	)	)	PUNCT
ajeer-194	152	17	at	at	ADP
ajeer-194	152	18	the	the	DET
ajeer-194	152	19	levels	level	NOUN
ajeer-194	152	20	,	,	PUNCT
ajeer-194	152	21	five	five	NUM
ajeer-194	152	22	variables	variable	NOUN
ajeer-194	152	23	were	be	AUX
ajeer-194	152	24	found	find	VERB
ajeer-194	152	25	to	to	PART
ajeer-194	152	26	be	be	AUX
ajeer-194	152	27	stationary	stationary	ADJ
ajeer-194	152	28	only	only	ADV
ajeer-194	152	29	after	after	ADP
ajeer-194	152	30	the	the	DET
ajeer-194	152	31	first	first	ADJ
ajeer-194	152	32	difference	difference	NOUN
ajeer-194	152	33	.	.	PUNCT
ajeer-194	153	1	having	have	VERB
ajeer-194	153	2	such	such	DET
ajeer-194	153	3	a	a	DET
ajeer-194	153	4	cumulation	cumulation	NOUN
ajeer-194	153	5	of	of	ADP
ajeer-194	153	6	i(0	i(0	PROPN
ajeer-194	153	7	)	)	PUNCT
ajeer-194	153	8	and	and	CCONJ
ajeer-194	153	9	i(1	i(1	PROPN
ajeer-194	153	10	)	)	PUNCT
ajeer-194	153	11	series	series	NOUN
ajeer-194	153	12	made	make	VERB
ajeer-194	153	13	it	it	PRON
ajeer-194	153	14	imperative	imperative	ADJ
ajeer-194	153	15	for	for	ADP
ajeer-194	153	16	a	a	DET
ajeer-194	153	17	cointegration	cointegration	NOUN
ajeer-194	153	18	test	test	NOUN
ajeer-194	153	19	to	to	PART
ajeer-194	153	20	be	be	AUX
ajeer-194	153	21	conducted	conduct	VERB
ajeer-194	153	22	to	to	PART
ajeer-194	153	23	ascertain	ascertain	VERB
ajeer-194	153	24	if	if	SCONJ
ajeer-194	153	25	the	the	DET
ajeer-194	153	26	variables	variable	NOUN
ajeer-194	153	27	have	have	VERB
ajeer-194	153	28	a	a	DET
ajeer-194	153	29	long	long	ADJ
ajeer-194	153	30	run	run	NOUN
ajeer-194	153	31	relationship	relationship	NOUN
ajeer-194	153	32	,	,	PUNCT
ajeer-194	153	33	otherwise	otherwise	ADV
ajeer-194	153	34	a	a	DET
ajeer-194	153	35	drift	drift	NOUN
ajeer-194	153	36	away	away	ADV
ajeer-194	153	37	will	will	AUX
ajeer-194	153	38	not	not	PART
ajeer-194	153	39	be	be	AUX
ajeer-194	153	40	impermanent	impermanent	ADJ
ajeer-194	153	41	.	.	PUNCT
ajeer-194	154	1	in	in	ADP
ajeer-194	154	2	the	the	DET
ajeer-194	154	3	test	test	NOUN
ajeer-194	154	4	for	for	ADP
ajeer-194	154	5	cointegration	cointegration	NOUN
ajeer-194	154	6	,	,	PUNCT
ajeer-194	154	7	we	we	PRON
ajeer-194	154	8	use	use	VERB
ajeer-194	154	9	the	the	DET
ajeer-194	154	10	johansen	johansen	PROPN
ajeer-194	154	11	-	-	PUNCT
ajeer-194	154	12	juselius	juselius	PROPN
ajeer-194	154	13	multivariate	multivariate	NOUN
ajeer-194	154	14	cointegration	cointegration	NOUN
ajeer-194	154	15	test	test	NOUN
ajeer-194	154	16	.	.	PUNCT
ajeer-194	155	1	the	the	DET
ajeer-194	155	2	results	result	NOUN
ajeer-194	155	3	show	show	VERB
ajeer-194	155	4	that	that	SCONJ
ajeer-194	155	5	there	there	PRON
ajeer-194	155	6	is	be	VERB
ajeer-194	155	7	a	a	DET
ajeer-194	155	8	long	long	ADJ
ajeer-194	155	9	run	run	NOUN
ajeer-194	155	10	relationship	relationship	NOUN
ajeer-194	155	11	between	between	ADP
ajeer-194	155	12	the	the	DET
ajeer-194	155	13	variables	variable	NOUN
ajeer-194	155	14	or	or	CCONJ
ajeer-194	155	15	cointegration	cointegration	NOUN
ajeer-194	155	16	.	.	PUNCT
ajeer-194	156	1	the	the	DET
ajeer-194	156	2	residuals	residual	NOUN
ajeer-194	156	3	are	be	AUX
ajeer-194	156	4	stationary	stationary	ADJ
ajeer-194	156	5	which	which	PRON
ajeer-194	156	6	confirms	confirm	VERB
ajeer-194	156	7	the	the	DET
ajeer-194	156	8	long	long	ADJ
ajeer-194	156	9	run	run	NOUN
ajeer-194	156	10	relationship	relationship	NOUN
ajeer-194	156	11	or	or	CCONJ
ajeer-194	156	12	convergence	convergence	NOUN
ajeer-194	156	13	of	of	ADP
ajeer-194	156	14	inflation	inflation	NOUN
ajeer-194	156	15	(	(	PUNCT
ajeer-194	156	16	the	the	DET
ajeer-194	156	17	dependent	dependent	ADJ
ajeer-194	156	18	variable	variable	NOUN
ajeer-194	156	19	)	)	PUNCT
ajeer-194	156	20	and	and	CCONJ
ajeer-194	156	21	the	the	DET
ajeer-194	156	22	explanatory	explanatory	ADJ
ajeer-194	156	23	variables	variable	NOUN
ajeer-194	156	24	.	.	PUNCT
ajeer-194	157	1	table-3	table-3	NUM
ajeer-194	157	2	.	.	PUNCT
ajeer-194	158	1	johansen	johansen	PROPN
ajeer-194	158	2	-	-	PUNCT
ajeer-194	158	3	juselius	juselius	PROPN
ajeer-194	158	4	multivariate	multivariate	NOUN
ajeer-194	158	5	cointegration	cointegration	NOUN
ajeer-194	158	6	test	test	NOUN
ajeer-194	158	7	variable	variable	ADJ
ajeer-194	158	8	order	order	NOUN
ajeer-194	158	9	of	of	ADP
ajeer-194	158	10	integration	integration	NOUN
ajeer-194	158	11	residual	residual	ADJ
ajeer-194	158	12	series	series	NOUN
ajeer-194	158	13	i(0	i(0	PROPN
ajeer-194	158	14	)	)	PUNCT
ajeer-194	158	15	table-4	table-4	PROPN
ajeer-194	158	16	.	.	PUNCT
ajeer-194	159	1	residual	residual	ADJ
ajeer-194	159	2	diagnostic	diagnostic	ADJ
ajeer-194	159	3	test	test	NOUN
ajeer-194	159	4	for	for	ADP
ajeer-194	159	5	model	model	NOUN
ajeer-194	159	6	efficiency	efficiency	NOUN
ajeer-194	159	7	variables	variable	NOUN
ajeer-194	159	8	coefficients	coefficient	VERB
ajeer-194	159	9	t	t	PROPN
ajeer-194	159	10	-	-	PUNCT
ajeer-194	159	11	values	value	NOUN
ajeer-194	159	12	din	din	NOUN
ajeer-194	159	13	=	=	NOUN
ajeer-194	159	14	deposit	deposit	NOUN
ajeer-194	159	15	interest	interest	NOUN
ajeer-194	159	16	rate	rate	NOUN
ajeer-194	159	17	0.0258	0.0258	NUM
ajeer-194	159	18	0.271	0.271	NUM
ajeer-194	159	19	mpr	mpr	NOUN
ajeer-194	159	20	=	=	PUNCT
ajeer-194	159	21	monetary	monetary	ADJ
ajeer-194	159	22	policy	policy	NOUN
ajeer-194	159	23	rate	rate	NOUN
ajeer-194	159	24	0.0103	0.0103	NUM
ajeer-194	159	25	0.125	0.125	NUM
ajeer-194	159	26	gm2	gm2	NOUN
ajeer-194	159	27	+	+	CCONJ
ajeer-194	159	28	=	=	SYM
ajeer-194	159	29	growth	growth	NOUN
ajeer-194	159	30	of	of	ADP
ajeer-194	159	31	broad	broad	ADJ
ajeer-194	159	32	money	money	NOUN
ajeer-194	159	33	supply	supply	NOUN
ajeer-194	159	34	-0.010	-0.010	PUNCT
ajeer-194	160	1	-1.756	-1.756	PUNCT
ajeer-194	160	2	*	*	PUNCT
ajeer-194	160	3	asi	asi	NOUN
ajeer-194	160	4	=	=	NOUN
ajeer-194	160	5	composite	composite	ADJ
ajeer-194	160	6	index	index	NOUN
ajeer-194	160	7	(	(	PUNCT
ajeer-194	160	8	all	all	DET
ajeer-194	160	9	share	share	NOUN
ajeer-194	160	10	index	index	NOUN
ajeer-194	160	11	)	)	PUNCT
ajeer-194	160	12	cpi	cpi	NOUN
ajeer-194	160	13	=	=	SYM
ajeer-194	160	14	consumer	consumer	NOUN
ajeer-194	160	15	price	price	NOUN
ajeer-194	160	16	index	index	NOUN
ajeer-194	160	17	;	;	PUNCT
ajeer-194	160	18	and	and	CCONJ
ajeer-194	160	19	t	t	PROPN
ajeer-194	160	20	denotes	denote	NOUN
ajeer-194	160	21	time	time	PROPN
ajeer-194	160	22	-0.0106	-0.0106	PROPN
ajeer-194	160	23	-0.6862	-0.6862	NOUN
ajeer-194	160	24	-0.107	-0.107	PUNCT
ajeer-194	161	1	-2.362	-2.362	PROPN
ajeer-194	161	2	*	*	PUNCT
ajeer-194	161	3	*	*	PUNCT
ajeer-194	161	4	din	din	VERB
ajeer-194	161	5	=	=	NOUN
ajeer-194	161	6	deposit	deposit	NOUN
ajeer-194	161	7	interest	interest	NOUN
ajeer-194	161	8	rate	rate	NOUN
ajeer-194	161	9	0.0258	0.0258	NUM
ajeer-194	161	10	0.271	0.271	NUM
ajeer-194	161	11	*	*	PUNCT
ajeer-194	162	1	*	*	PUNCT
ajeer-194	162	2	*	*	PUNCT
ajeer-194	162	3	(	(	PUNCT
ajeer-194	162	4	*	*	PUNCT
ajeer-194	162	5	*	*	PUNCT
ajeer-194	162	6	)	)	PUNCT
ajeer-194	162	7	*	*	NOUN
ajeer-194	162	8	indicate	indicate	VERB
ajeer-194	162	9	that	that	SCONJ
ajeer-194	162	10	the	the	DET
ajeer-194	162	11	null	null	ADJ
ajeer-194	162	12	hypothesis	hypothesis	NOUN
ajeer-194	162	13	is	be	AUX
ajeer-194	162	14	rejected	reject	VERB
ajeer-194	162	15	at	at	ADP
ajeer-194	162	16	1	1	NUM
ajeer-194	162	17	%	%	NOUN
ajeer-194	162	18	,	,	PUNCT
ajeer-194	162	19	5	5	NUM
ajeer-194	162	20	%	%	NOUN
ajeer-194	162	21	and	and	CCONJ
ajeer-194	162	22	10	10	NUM
ajeer-194	162	23	%	%	NOUN
ajeer-194	162	24	respectively	respectively	ADV
ajeer-194	162	25	.	.	PUNCT
ajeer-194	163	1	table	table	NOUN
ajeer-194	163	2	4	4	NUM
ajeer-194	163	3	above	above	ADP
ajeer-194	163	4	presents	present	VERB
ajeer-194	163	5	the	the	DET
ajeer-194	163	6	short	short	ADJ
ajeer-194	163	7	-	-	PUNCT
ajeer-194	163	8	run	run	NOUN
ajeer-194	163	9	elasticities	elasticity	NOUN
ajeer-194	163	10	between	between	ADP
ajeer-194	163	11	the	the	DET
ajeer-194	163	12	variables	variable	NOUN
ajeer-194	163	13	and	and	CCONJ
ajeer-194	163	14	their	their	PRON
ajeer-194	163	15	lags	lag	NOUN
ajeer-194	163	16	.	.	PUNCT
ajeer-194	164	1	the	the	DET
ajeer-194	164	2	r	r	NOUN
ajeer-194	164	3	-	-	PUNCT
ajeer-194	164	4	squared	square	VERB
ajeer-194	164	5	and	and	CCONJ
ajeer-194	164	6	adjusted	adjust	VERB
ajeer-194	164	7	r	r	NOUN
ajeer-194	164	8	-	-	PUNCT
ajeer-194	164	9	squared	square	VERB
ajeer-194	164	10	values	value	NOUN
ajeer-194	164	11	of	of	ADP
ajeer-194	164	12	0.651	0.651	NUM
ajeer-194	164	13	and	and	CCONJ
ajeer-194	164	14	0.585	0.585	NUM
ajeer-194	164	15	respectively	respectively	ADV
ajeer-194	164	16	is	be	AUX
ajeer-194	164	17	an	an	DET
ajeer-194	164	18	indication	indication	NOUN
ajeer-194	164	19	that	that	SCONJ
ajeer-194	164	20	the	the	DET
ajeer-194	164	21	model	model	NOUN
ajeer-194	164	22	is	be	AUX
ajeer-194	164	23	a	a	DET
ajeer-194	164	24	good	good	ADJ
ajeer-194	164	25	fit	fit	NOUN
ajeer-194	164	26	.	.	PUNCT
ajeer-194	165	1	this	this	PRON
ajeer-194	165	2	means	mean	VERB
ajeer-194	165	3	more	more	ADJ
ajeer-194	165	4	than	than	ADP
ajeer-194	165	5	65	65	NUM
ajeer-194	165	6	%	%	NOUN
ajeer-194	165	7	of	of	ADP
ajeer-194	165	8	variations	variation	NOUN
ajeer-194	165	9	in	in	ADP
ajeer-194	165	10	bank	bank	NOUN
ajeer-194	165	11	deposit	deposit	NOUN
ajeer-194	165	12	were	be	AUX
ajeer-194	165	13	explained	explain	VERB
ajeer-194	165	14	by	by	ADP
ajeer-194	165	15	the	the	DET
ajeer-194	165	16	model	model	NOUN
ajeer-194	165	17	.	.	PUNCT
ajeer-194	166	1	the	the	DET
ajeer-194	166	2	f	f	PROPN
ajeer-194	166	3	-	-	PUNCT
ajeer-194	166	4	statistics	statistic	NOUN
ajeer-194	166	5	of	of	ADP
ajeer-194	166	6	6.851	6.851	NUM
ajeer-194	166	7	,	,	PUNCT
ajeer-194	166	8	with	with	ADP
ajeer-194	166	9	a	a	DET
ajeer-194	166	10	probability	probability	NOUN
ajeer-194	166	11	ratio	ratio	NOUN
ajeer-194	166	12	of	of	ADP
ajeer-194	166	13	0.004	0.004	NUM
ajeer-194	166	14	indicates	indicate	VERB
ajeer-194	166	15	that	that	SCONJ
ajeer-194	166	16	the	the	DET
ajeer-194	166	17	overall	overall	ADJ
ajeer-194	166	18	model	model	NOUN
ajeer-194	166	19	is	be	AUX
ajeer-194	166	20	highly	highly	ADV
ajeer-194	166	21	significant	significant	ADJ
ajeer-194	166	22	and	and	CCONJ
ajeer-194	166	23	that	that	SCONJ
ajeer-194	166	24	all	all	DET
ajeer-194	166	25	the	the	DET
ajeer-194	166	26	independent	independent	ADJ
ajeer-194	166	27	variables	variable	NOUN
ajeer-194	166	28	are	be	AUX
ajeer-194	166	29	jointly	jointly	ADV
ajeer-194	166	30	significant	significant	ADJ
ajeer-194	166	31	in	in	ADP
ajeer-194	166	32	causing	cause	VERB
ajeer-194	166	33	variation	variation	NOUN
ajeer-194	166	34	in	in	ADP
ajeer-194	166	35	bank	bank	NOUN
ajeer-194	166	36	deposit	deposit	NOUN
ajeer-194	166	37	.	.	PUNCT
ajeer-194	167	1	evidence	evidence	NOUN
ajeer-194	167	2	from	from	ADP
ajeer-194	167	3	the	the	DET
ajeer-194	167	4	table	table	NOUN
ajeer-194	167	5	indicates	indicate	VERB
ajeer-194	167	6	that	that	SCONJ
ajeer-194	167	7	deposit	deposit	NOUN
ajeer-194	167	8	interest	interest	NOUN
ajeer-194	167	9	rate	rate	NOUN
ajeer-194	167	10	and	and	CCONJ
ajeer-194	167	11	monetary	monetary	ADJ
ajeer-194	167	12	policy	policy	NOUN
ajeer-194	167	13	rate	rate	NOUN
ajeer-194	167	14	have	have	VERB
ajeer-194	167	15	a	a	DET
ajeer-194	167	16	positive	positive	ADJ
ajeer-194	167	17	insignificant	insignificant	ADJ
ajeer-194	167	18	relationship	relationship	NOUN
ajeer-194	167	19	with	with	ADP
ajeer-194	167	20	bank	bank	NOUN
ajeer-194	167	21	deposit	deposit	NOUN
ajeer-194	167	22	.	.	PUNCT
ajeer-194	168	1	this	this	PRON
ajeer-194	168	2	implies	imply	VERB
ajeer-194	168	3	that	that	SCONJ
ajeer-194	168	4	deposit	deposit	NOUN
ajeer-194	168	5	interest	interest	NOUN
ajeer-194	168	6	rate	rate	NOUN
ajeer-194	168	7	and	and	CCONJ
ajeer-194	168	8	monetary	monetary	ADJ
ajeer-194	168	9	policy	policy	NOUN
ajeer-194	168	10	rate	rate	NOUN
ajeer-194	168	11	are	be	AUX
ajeer-194	168	12	not	not	PART
ajeer-194	168	13	a	a	DET
ajeer-194	168	14	major	major	ADJ
ajeer-194	168	15	factor	factor	NOUN
ajeer-194	168	16	in	in	ADP
ajeer-194	168	17	explaining	explain	VERB
ajeer-194	168	18	the	the	DET
ajeer-194	168	19	short	short	ADJ
ajeer-194	168	20	run	run	NOUN
ajeer-194	168	21	dynamics	dynamic	NOUN
ajeer-194	168	22	of	of	ADP
ajeer-194	168	23	the	the	DET
ajeer-194	168	24	commercial	commercial	ADJ
ajeer-194	168	25	banks	bank	NOUN
ajeer-194	168	26	’	'	PUNCT
ajeer-194	168	27	deposit	deposit	NOUN
ajeer-194	168	28	in	in	ADP
ajeer-194	168	29	ghana	ghana	PROPN
ajeer-194	168	30	.	.	PUNCT
ajeer-194	169	1	however	however	ADV
ajeer-194	169	2	,	,	PUNCT
ajeer-194	169	3	all	all	DET
ajeer-194	169	4	share	share	NOUN
ajeer-194	169	5	index	index	NOUN
ajeer-194	169	6	have	have	VERB
ajeer-194	169	7	an	an	DET
ajeer-194	169	8	insignificant	insignificant	ADJ
ajeer-194	169	9	negative	negative	ADJ
ajeer-194	169	10	relationship	relationship	NOUN
ajeer-194	169	11	with	with	ADP
ajeer-194	169	12	bank	bank	NOUN
ajeer-194	169	13	deposit	deposit	NOUN
ajeer-194	169	14	.	.	PUNCT
ajeer-194	170	1	inflation	inflation	NOUN
ajeer-194	170	2	represented	represent	VERB
ajeer-194	170	3	by	by	ADP
ajeer-194	170	4	consumer	consumer	NOUN
ajeer-194	170	5	price	price	NOUN
ajeer-194	170	6	index	index	NOUN
ajeer-194	170	7	is	be	AUX
ajeer-194	170	8	shown	show	VERB
ajeer-194	170	9	to	to	PART
ajeer-194	170	10	be	be	AUX
ajeer-194	170	11	statistically	statistically	ADV
ajeer-194	170	12	significant	significant	ADJ
ajeer-194	170	13	(	(	PUNCT
ajeer-194	170	14	5	5	NUM
ajeer-194	170	15	%	%	NOUN
ajeer-194	170	16	)	)	PUNCT
ajeer-194	170	17	in	in	ADP
ajeer-194	170	18	explaining	explain	VERB
ajeer-194	170	19	levels	level	NOUN
ajeer-194	170	20	of	of	ADP
ajeer-194	170	21	bank	bank	NOUN
ajeer-194	170	22	deposits	deposit	NOUN
ajeer-194	170	23	.	.	PUNCT
ajeer-194	171	1	the	the	DET
ajeer-194	171	2	relationship	relationship	NOUN
ajeer-194	171	3	however	however	ADV
ajeer-194	171	4	is	be	AUX
ajeer-194	171	5	negative	negative	ADJ
ajeer-194	171	6	.	.	PUNCT
ajeer-194	172	1	the	the	DET
ajeer-194	172	2	negative	negative	ADJ
ajeer-194	172	3	relationship	relationship	NOUN
ajeer-194	172	4	between	between	ADP
ajeer-194	172	5	inflation	inflation	NOUN
ajeer-194	172	6	and	and	CCONJ
ajeer-194	172	7	bank	bank	NOUN
ajeer-194	172	8	deposits	deposit	NOUN
ajeer-194	172	9	could	could	AUX
ajeer-194	172	10	be	be	AUX
ajeer-194	172	11	attributed	attribute	VERB
ajeer-194	172	12	to	to	ADP
ajeer-194	172	13	the	the	DET
ajeer-194	172	14	fact	fact	NOUN
ajeer-194	172	15	that	that	SCONJ
ajeer-194	172	16	inflation	inflation	NOUN
ajeer-194	172	17	increases	increase	VERB
ajeer-194	172	18	the	the	DET
ajeer-194	172	19	cost	cost	NOUN
ajeer-194	172	20	of	of	ADP
ajeer-194	172	21	living	living	NOUN
ajeer-194	172	22	,	,	PUNCT
ajeer-194	172	23	“	"	PUNCT
ajeer-194	172	24	ceteris	ceteris	NOUN
ajeer-194	172	25	paribus	paribus	NOUN
ajeer-194	172	26	”	"	PUNCT
ajeer-194	172	27	.	.	PUNCT
ajeer-194	173	1	consumers	consumer	NOUN
ajeer-194	173	2	in	in	ADP
ajeer-194	173	3	an	an	DET
ajeer-194	173	4	attempt	attempt	NOUN
ajeer-194	173	5	to	to	PART
ajeer-194	173	6	maintain	maintain	VERB
ajeer-194	173	7	the	the	DET
ajeer-194	173	8	same	same	ADJ
ajeer-194	173	9	standard	standard	NOUN
ajeer-194	173	10	of	of	ADP
ajeer-194	173	11	living	living	NOUN
ajeer-194	173	12	will	will	AUX
ajeer-194	173	13	forgo	forgo	VERB
ajeer-194	173	14	current	current	ADJ
ajeer-194	173	15	savings	saving	NOUN
ajeer-194	173	16	,	,	PUNCT
ajeer-194	173	17	hence	hence	ADV
ajeer-194	173	18	the	the	DET
ajeer-194	173	19	possibility	possibility	NOUN
ajeer-194	173	20	of	of	ADP
ajeer-194	173	21	a	a	DET
ajeer-194	173	22	negative	negative	ADJ
ajeer-194	173	23	relationship	relationship	NOUN
ajeer-194	173	24	all	all	DET
ajeer-194	173	25	share	share	NOUN
ajeer-194	173	26	index	index	NOUN
ajeer-194	173	27	asi	asi	NOUN
ajeer-194	173	28	numeral	numeral	ADJ
ajeer-194	173	29	growth	growth	NOUN
ajeer-194	173	30	of	of	ADP
ajeer-194	173	31	money	money	NOUN
ajeer-194	173	32	supply	supply	NOUN
ajeer-194	173	33	gm2	gm2	NOUN
ajeer-194	173	34	+	+	SYM
ajeer-194	173	35	percentage	percentage	NOUN
ajeer-194	173	36	inflation	inflation	NOUN
ajeer-194	173	37	cpi	cpi	PROPN
ajeer-194	173	38	percentage	percentage	NOUN
ajeer-194	173	39	asian	asian	ADJ
ajeer-194	173	40	journal	journal	NOUN
ajeer-194	173	41	of	of	ADP
ajeer-194	173	42	economics	economic	NOUN
ajeer-194	173	43	and	and	CCONJ
ajeer-194	173	44	empirical	empirical	ADJ
ajeer-194	173	45	research	research	NOUN
ajeer-194	173	46	,	,	PUNCT
ajeer-194	173	47	2015	2015	NUM
ajeer-194	173	48	,	,	PUNCT
ajeer-194	173	49	2(1):1	2(1):1	NUM
ajeer-194	173	50	-	-	SYM
ajeer-194	173	51	7	7	NUM
ajeer-194	173	52	6	6	NUM
ajeer-194	173	53	between	between	ADP
ajeer-194	173	54	inflation	inflation	NOUN
ajeer-194	173	55	and	and	CCONJ
ajeer-194	173	56	bank	bank	NOUN
ajeer-194	173	57	deposits	deposit	NOUN
ajeer-194	173	58	in	in	ADP
ajeer-194	173	59	the	the	DET
ajeer-194	173	60	short	short	ADJ
ajeer-194	173	61	-	-	PUNCT
ajeer-194	173	62	run	run	NOUN
ajeer-194	173	63	.	.	PUNCT
ajeer-194	174	1	in	in	ADP
ajeer-194	174	2	other	other	ADJ
ajeer-194	174	3	words	word	NOUN
ajeer-194	174	4	,	,	PUNCT
ajeer-194	174	5	higher	high	ADJ
ajeer-194	174	6	inflation	inflation	NOUN
ajeer-194	174	7	would	would	AUX
ajeer-194	174	8	mean	mean	VERB
ajeer-194	174	9	that	that	SCONJ
ajeer-194	174	10	people	people	NOUN
ajeer-194	174	11	will	will	AUX
ajeer-194	174	12	need	need	VERB
ajeer-194	174	13	more	more	ADJ
ajeer-194	174	14	money	money	NOUN
ajeer-194	174	15	for	for	ADP
ajeer-194	174	16	expenses	expense	NOUN
ajeer-194	174	17	which	which	PRON
ajeer-194	174	18	will	will	AUX
ajeer-194	174	19	lead	lead	VERB
ajeer-194	174	20	to	to	ADP
ajeer-194	174	21	cash	cash	NOUN
ajeer-194	174	22	withdrawals	withdrawal	NOUN
ajeer-194	174	23	and	and	CCONJ
ajeer-194	174	24	a	a	DET
ajeer-194	174	25	reduction	reduction	NOUN
ajeer-194	174	26	in	in	ADP
ajeer-194	174	27	the	the	DET
ajeer-194	174	28	level	level	NOUN
ajeer-194	174	29	of	of	ADP
ajeer-194	174	30	deposits	deposit	NOUN
ajeer-194	174	31	in	in	ADP
ajeer-194	174	32	general	general	ADJ
ajeer-194	174	33	.	.	PUNCT
ajeer-194	175	1	this	this	DET
ajeer-194	175	2	finding	finding	NOUN
ajeer-194	175	3	is	be	AUX
ajeer-194	175	4	in	in	ADP
ajeer-194	175	5	line	line	NOUN
ajeer-194	175	6	with	with	ADP
ajeer-194	175	7	the	the	DET
ajeer-194	175	8	findings	finding	NOUN
ajeer-194	175	9	of	of	ADP
ajeer-194	175	10	muhammad	muhammad	PROPN
ajeer-194	175	11	et	et	PROPN
ajeer-194	175	12	al	al	PROPN
ajeer-194	175	13	.	.	PROPN
ajeer-194	176	1	(	(	PUNCT
ajeer-194	176	2	2011	2011	NUM
ajeer-194	176	3	)	)	PUNCT
ajeer-194	176	4	.	.	PUNCT
ajeer-194	177	1	furthermore	furthermore	ADV
ajeer-194	177	2	,	,	PUNCT
ajeer-194	177	3	the	the	DET
ajeer-194	177	4	growth	growth	NOUN
ajeer-194	177	5	of	of	ADP
ajeer-194	177	6	money	money	NOUN
ajeer-194	177	7	supply	supply	NOUN
ajeer-194	177	8	also	also	ADV
ajeer-194	177	9	has	have	VERB
ajeer-194	177	10	a	a	DET
ajeer-194	177	11	significant	significant	ADJ
ajeer-194	177	12	negative	negative	ADJ
ajeer-194	177	13	relationship	relationship	NOUN
ajeer-194	177	14	with	with	ADP
ajeer-194	177	15	commercial	commercial	ADJ
ajeer-194	177	16	bank	bank	NOUN
ajeer-194	177	17	deposits	deposit	NOUN
ajeer-194	177	18	.	.	PUNCT
ajeer-194	178	1	the	the	DET
ajeer-194	178	2	bank	bank	NOUN
ajeer-194	178	3	’s	’s	PART
ajeer-194	178	4	deposits	deposit	NOUN
ajeer-194	178	5	increases	increase	VERB
ajeer-194	178	6	with	with	ADP
ajeer-194	178	7	an	an	DET
ajeer-194	178	8	increase	increase	NOUN
ajeer-194	178	9	in	in	ADP
ajeer-194	178	10	money	money	NOUN
ajeer-194	178	11	supply	supply	NOUN
ajeer-194	178	12	and	and	CCONJ
ajeer-194	178	13	vice	vice	NOUN
ajeer-194	178	14	versa	versa	ADV
ajeer-194	178	15	.	.	PUNCT
ajeer-194	179	1	as	as	SCONJ
ajeer-194	179	2	expected	expect	VERB
ajeer-194	179	3	,	,	PUNCT
ajeer-194	179	4	increase	increase	NOUN
ajeer-194	179	5	in	in	ADP
ajeer-194	179	6	money	money	NOUN
ajeer-194	179	7	supply	supply	NOUN
ajeer-194	179	8	reduces	reduce	VERB
ajeer-194	179	9	the	the	DET
ajeer-194	179	10	cost	cost	NOUN
ajeer-194	179	11	of	of	ADP
ajeer-194	179	12	loanable	loanable	ADJ
ajeer-194	179	13	funds	fund	NOUN
ajeer-194	179	14	which	which	PRON
ajeer-194	179	15	in	in	ADP
ajeer-194	179	16	turn	turn	NOUN
ajeer-194	179	17	leads	lead	VERB
ajeer-194	179	18	to	to	ADP
ajeer-194	179	19	increased	increase	VERB
ajeer-194	179	20	borrowing	borrowing	NOUN
ajeer-194	179	21	and	and	CCONJ
ajeer-194	179	22	increased	increase	VERB
ajeer-194	179	23	consumption	consumption	NOUN
ajeer-194	179	24	which	which	PRON
ajeer-194	179	25	will	will	AUX
ajeer-194	179	26	mean	mean	VERB
ajeer-194	179	27	less	less	ADJ
ajeer-194	179	28	savings	saving	NOUN
ajeer-194	179	29	(	(	PUNCT
ajeer-194	179	30	reduction	reduction	NOUN
ajeer-194	179	31	in	in	ADP
ajeer-194	179	32	bank	bank	NOUN
ajeer-194	179	33	deposits	deposit	NOUN
ajeer-194	179	34	)	)	PUNCT
ajeer-194	179	35	all	all	DET
ajeer-194	179	36	things	thing	NOUN
ajeer-194	179	37	being	be	AUX
ajeer-194	179	38	equal	equal	ADJ
ajeer-194	179	39	.	.	PUNCT
ajeer-194	180	1	this	this	DET
ajeer-194	180	2	result	result	NOUN
ajeer-194	180	3	for	for	ADP
ajeer-194	180	4	money	money	NOUN
ajeer-194	180	5	supply	supply	NOUN
ajeer-194	180	6	contrasts	contrast	VERB
ajeer-194	180	7	the	the	DET
ajeer-194	180	8	work	work	NOUN
ajeer-194	180	9	of	of	ADP
ajeer-194	180	10	haron	haron	PROPN
ajeer-194	180	11	and	and	CCONJ
ajeer-194	180	12	wan	wan	PROPN
ajeer-194	180	13	azmi	azmi	PROPN
ajeer-194	180	14	(	(	PUNCT
ajeer-194	180	15	2006	2006	NUM
ajeer-194	180	16	)	)	PUNCT
ajeer-194	180	17	that	that	PRON
ajeer-194	180	18	found	find	VERB
ajeer-194	180	19	a	a	DET
ajeer-194	180	20	significantly	significantly	ADV
ajeer-194	180	21	positive	positive	ADJ
ajeer-194	180	22	result	result	NOUN
ajeer-194	180	23	for	for	ADP
ajeer-194	180	24	money	money	NOUN
ajeer-194	180	25	supply	supply	NOUN
ajeer-194	180	26	on	on	ADP
ajeer-194	180	27	savings	saving	NOUN
ajeer-194	180	28	account	account	NOUN
ajeer-194	180	29	.	.	PUNCT
ajeer-194	181	1	according	accord	VERB
ajeer-194	181	2	to	to	ADP
ajeer-194	181	3	their	their	PRON
ajeer-194	181	4	findings	finding	NOUN
ajeer-194	181	5	,	,	PUNCT
ajeer-194	181	6	an	an	DET
ajeer-194	181	7	increase	increase	NOUN
ajeer-194	181	8	in	in	ADP
ajeer-194	181	9	money	money	NOUN
ajeer-194	181	10	supply	supply	NOUN
ajeer-194	181	11	would	would	AUX
ajeer-194	181	12	mean	mean	VERB
ajeer-194	181	13	individuals	individual	NOUN
ajeer-194	181	14	will	will	AUX
ajeer-194	181	15	have	have	VERB
ajeer-194	181	16	more	more	ADJ
ajeer-194	181	17	money	money	NOUN
ajeer-194	181	18	to	to	PART
ajeer-194	181	19	hold	hold	VERB
ajeer-194	181	20	for	for	ADP
ajeer-194	181	21	speculative	speculative	ADJ
ajeer-194	181	22	motive	motive	NOUN
ajeer-194	181	23	as	as	SCONJ
ajeer-194	181	24	postulated	postulate	VERB
ajeer-194	181	25	by	by	ADP
ajeer-194	181	26	the	the	DET
ajeer-194	181	27	liquidity	liquidity	NOUN
ajeer-194	181	28	preference	preference	NOUN
ajeer-194	181	29	theory	theory	NOUN
ajeer-194	181	30	.	.	PUNCT
ajeer-194	182	1	5	5	X
ajeer-194	182	2	.	.	X
ajeer-194	182	3	conclusion	conclusion	NOUN
ajeer-194	182	4	the	the	DET
ajeer-194	182	5	study	study	NOUN
ajeer-194	182	6	revealed	reveal	VERB
ajeer-194	182	7	that	that	SCONJ
ajeer-194	182	8	apart	apart	ADV
ajeer-194	182	9	from	from	ADP
ajeer-194	182	10	growth	growth	NOUN
ajeer-194	182	11	of	of	ADP
ajeer-194	182	12	money	money	NOUN
ajeer-194	182	13	supply	supply	NOUN
ajeer-194	182	14	,	,	PUNCT
ajeer-194	182	15	the	the	DET
ajeer-194	182	16	variables	variable	NOUN
ajeer-194	182	17	of	of	ADP
ajeer-194	182	18	the	the	DET
ajeer-194	182	19	model	model	NOUN
ajeer-194	182	20	are	be	AUX
ajeer-194	182	21	not	not	PART
ajeer-194	182	22	stationary	stationary	ADJ
ajeer-194	182	23	at	at	ADP
ajeer-194	182	24	levels	level	NOUN
ajeer-194	182	25	.	.	PUNCT
ajeer-194	183	1	however	however	ADV
ajeer-194	183	2	they	they	PRON
ajeer-194	183	3	become	become	VERB
ajeer-194	183	4	stationary	stationary	ADJ
ajeer-194	183	5	after	after	ADP
ajeer-194	183	6	first	first	ADJ
ajeer-194	183	7	difference	difference	NOUN
ajeer-194	183	8	(	(	PUNCT
ajeer-194	183	9	an	an	DET
ajeer-194	183	10	i(1	i(1	NOUN
ajeer-194	183	11	)	)	PUNCT
ajeer-194	183	12	process	process	NOUN
ajeer-194	183	13	)	)	PUNCT
ajeer-194	183	14	.	.	PUNCT
ajeer-194	184	1	the	the	DET
ajeer-194	184	2	test	test	NOUN
ajeer-194	184	3	for	for	ADP
ajeer-194	184	4	cointegration	cointegration	NOUN
ajeer-194	184	5	also	also	ADV
ajeer-194	184	6	reported	report	VERB
ajeer-194	184	7	one	one	NUM
ajeer-194	184	8	cointegrating	cointegrate	VERB
ajeer-194	184	9	equation	equation	NOUN
ajeer-194	184	10	at	at	ADP
ajeer-194	184	11	the	the	DET
ajeer-194	184	12	5	5	NUM
ajeer-194	184	13	%	%	NOUN
ajeer-194	184	14	level	level	NOUN
ajeer-194	184	15	of	of	ADP
ajeer-194	184	16	significance	significance	NOUN
ajeer-194	184	17	for	for	ADP
ajeer-194	184	18	both	both	CCONJ
ajeer-194	184	19	trace	trace	NOUN
ajeer-194	184	20	and	and	CCONJ
ajeer-194	184	21	maximum	maximum	ADJ
ajeer-194	184	22	eigenvalue	eigenvalue	PROPN
ajeer-194	184	23	test	test	NOUN
ajeer-194	184	24	statistics	statistic	NOUN
ajeer-194	184	25	.	.	PUNCT
ajeer-194	185	1	the	the	DET
ajeer-194	185	2	cointegration	cointegration	NOUN
ajeer-194	185	3	equation	equation	NOUN
ajeer-194	185	4	for	for	ADP
ajeer-194	185	5	the	the	DET
ajeer-194	185	6	model	model	NOUN
ajeer-194	185	7	also	also	ADV
ajeer-194	185	8	suggested	suggest	VERB
ajeer-194	185	9	that	that	SCONJ
ajeer-194	185	10	in	in	ADP
ajeer-194	185	11	the	the	DET
ajeer-194	185	12	long	long	ADJ
ajeer-194	185	13	run	run	NOUN
ajeer-194	185	14	,	,	PUNCT
ajeer-194	185	15	a	a	DET
ajeer-194	185	16	change	change	NOUN
ajeer-194	185	17	in	in	ADP
ajeer-194	185	18	deposit	deposit	NOUN
ajeer-194	185	19	interest	interest	NOUN
ajeer-194	185	20	rate	rate	NOUN
ajeer-194	185	21	and	and	CCONJ
ajeer-194	185	22	inflation	inflation	NOUN
ajeer-194	185	23	(	(	PUNCT
ajeer-194	185	24	cpi	cpi	PROPN
ajeer-194	185	25	)	)	PUNCT
ajeer-194	185	26	are	be	AUX
ajeer-194	185	27	negative	negative	ADJ
ajeer-194	185	28	and	and	CCONJ
ajeer-194	185	29	will	will	AUX
ajeer-194	185	30	both	both	PRON
ajeer-194	185	31	have	have	VERB
ajeer-194	185	32	negative	negative	ADJ
ajeer-194	185	33	effect	effect	NOUN
ajeer-194	185	34	on	on	ADP
ajeer-194	185	35	bank	bank	NOUN
ajeer-194	185	36	deposits	deposit	NOUN
ajeer-194	185	37	,	,	PUNCT
ajeer-194	185	38	furthermore	furthermore	ADV
ajeer-194	185	39	,	,	PUNCT
ajeer-194	185	40	a	a	DET
ajeer-194	185	41	change	change	NOUN
ajeer-194	185	42	in	in	ADP
ajeer-194	185	43	monetary	monetary	ADJ
ajeer-194	185	44	policy	policy	NOUN
ajeer-194	185	45	rate	rate	NOUN
ajeer-194	185	46	,	,	PUNCT
ajeer-194	185	47	growth	growth	NOUN
ajeer-194	185	48	of	of	ADP
ajeer-194	185	49	money	money	NOUN
ajeer-194	185	50	supply	supply	NOUN
ajeer-194	185	51	,	,	PUNCT
ajeer-194	185	52	and	and	CCONJ
ajeer-194	185	53	all	all	DET
ajeer-194	185	54	share	share	NOUN
ajeer-194	185	55	index	index	NOUN
ajeer-194	185	56	negatively	negatively	ADV
ajeer-194	185	57	impact	impact	VERB
ajeer-194	185	58	bank	bank	NOUN
ajeer-194	185	59	deposits	deposit	NOUN
ajeer-194	185	60	.	.	PUNCT
ajeer-194	186	1	the	the	DET
ajeer-194	186	2	short	short	ADJ
ajeer-194	186	3	run	run	NOUN
ajeer-194	186	4	effects	effect	NOUN
ajeer-194	186	5	of	of	ADP
ajeer-194	186	6	a	a	DET
ajeer-194	186	7	change	change	NOUN
ajeer-194	186	8	in	in	ADP
ajeer-194	186	9	the	the	DET
ajeer-194	186	10	independent	independent	ADJ
ajeer-194	186	11	variables	variable	NOUN
ajeer-194	186	12	on	on	ADP
ajeer-194	186	13	bank	bank	NOUN
ajeer-194	186	14	deposit	deposit	NOUN
ajeer-194	186	15	were	be	AUX
ajeer-194	186	16	found	find	VERB
ajeer-194	186	17	to	to	PART
ajeer-194	186	18	have	have	VERB
ajeer-194	186	19	the	the	DET
ajeer-194	186	20	expected	expect	VERB
ajeer-194	186	21	influence	influence	NOUN
ajeer-194	186	22	on	on	ADP
ajeer-194	186	23	bank	bank	NOUN
ajeer-194	186	24	deposits	deposit	NOUN
ajeer-194	186	25	.	.	PUNCT
ajeer-194	187	1	however	however	ADV
ajeer-194	187	2	,	,	PUNCT
ajeer-194	187	3	only	only	ADV
ajeer-194	187	4	inflation	inflation	NOUN
ajeer-194	187	5	and	and	CCONJ
ajeer-194	187	6	growth	growth	NOUN
ajeer-194	187	7	of	of	ADP
ajeer-194	187	8	money	money	NOUN
ajeer-194	187	9	supply	supply	NOUN
ajeer-194	187	10	variables	variable	NOUN
ajeer-194	187	11	were	be	AUX
ajeer-194	187	12	found	find	VERB
ajeer-194	187	13	to	to	PART
ajeer-194	187	14	be	be	AUX
ajeer-194	187	15	significant	significant	ADJ
ajeer-194	187	16	in	in	ADP
ajeer-194	187	17	explaining	explain	VERB
ajeer-194	187	18	the	the	DET
ajeer-194	187	19	short	short	ADJ
ajeer-194	187	20	run	run	NOUN
ajeer-194	187	21	dynamics	dynamic	NOUN
ajeer-194	187	22	of	of	ADP
ajeer-194	187	23	bank	bank	NOUN
ajeer-194	187	24	deposit	deposit	NOUN
ajeer-194	187	25	.	.	PUNCT
ajeer-194	188	1	a	a	DET
ajeer-194	188	2	change	change	NOUN
ajeer-194	188	3	in	in	ADP
ajeer-194	188	4	the	the	DET
ajeer-194	188	5	growth	growth	NOUN
ajeer-194	188	6	of	of	ADP
ajeer-194	188	7	money	money	NOUN
ajeer-194	188	8	supply	supply	NOUN
ajeer-194	188	9	produced	produce	VERB
ajeer-194	188	10	a	a	DET
ajeer-194	188	11	negative	negative	ADJ
ajeer-194	188	12	sign	sign	NOUN
ajeer-194	188	13	as	as	SCONJ
ajeer-194	188	14	expected	expect	VERB
ajeer-194	188	15	by	by	ADP
ajeer-194	188	16	the	the	DET
ajeer-194	188	17	model	model	NOUN
ajeer-194	188	18	and	and	CCONJ
ajeer-194	188	19	a	a	DET
ajeer-194	188	20	change	change	NOUN
ajeer-194	188	21	in	in	ADP
ajeer-194	188	22	cpi	cpi	PROPN
ajeer-194	188	23	also	also	ADV
ajeer-194	188	24	produced	produce	VERB
ajeer-194	188	25	a	a	DET
ajeer-194	188	26	negative	negative	ADJ
ajeer-194	188	27	impact	impact	NOUN
ajeer-194	188	28	on	on	ADP
ajeer-194	188	29	bank	bank	NOUN
ajeer-194	188	30	deposit	deposit	NOUN
ajeer-194	188	31	,	,	PUNCT
ajeer-194	188	32	which	which	PRON
ajeer-194	188	33	conforms	conform	VERB
ajeer-194	188	34	to	to	ADP
ajeer-194	188	35	theory	theory	NOUN
ajeer-194	188	36	.	.	PUNCT
ajeer-194	189	1	the	the	DET
ajeer-194	189	2	study	study	NOUN
ajeer-194	189	3	results	result	NOUN
ajeer-194	189	4	also	also	ADV
ajeer-194	189	5	reported	report	VERB
ajeer-194	189	6	a	a	DET
ajeer-194	189	7	significant	significant	ADJ
ajeer-194	189	8	speed	speed	NOUN
ajeer-194	189	9	of	of	ADP
ajeer-194	189	10	adjustment	adjustment	NOUN
ajeer-194	189	11	(	(	PUNCT
ajeer-194	189	12	error	error	NOUN
ajeer-194	189	13	correction	correction	NOUN
ajeer-194	189	14	term	term	NOUN
ajeer-194	189	15	)	)	PUNCT
ajeer-194	189	16	with	with	ADP
ajeer-194	189	17	the	the	DET
ajeer-194	189	18	sign	sign	NOUN
ajeer-194	189	19	of	of	ADP
ajeer-194	189	20	the	the	DET
ajeer-194	189	21	error	error	NOUN
ajeer-194	189	22	correction	correction	NOUN
ajeer-194	189	23	factor	factor	NOUN
ajeer-194	189	24	indicating	indicate	VERB
ajeer-194	189	25	that	that	SCONJ
ajeer-194	189	26	the	the	DET
ajeer-194	189	27	variables	variable	NOUN
ajeer-194	189	28	share	share	VERB
ajeer-194	189	29	a	a	DET
ajeer-194	189	30	common	common	ADJ
ajeer-194	189	31	trend	trend	NOUN
ajeer-194	189	32	in	in	ADP
ajeer-194	189	33	the	the	DET
ajeer-194	189	34	long	long	ADJ
ajeer-194	189	35	run	run	NOUN
ajeer-194	189	36	,	,	PUNCT
ajeer-194	189	37	and	and	CCONJ
ajeer-194	189	38	that	that	SCONJ
ajeer-194	189	39	approximately	approximately	ADV
ajeer-194	189	40	15	15	NUM
ajeer-194	189	41	per	per	ADP
ajeer-194	189	42	cent	cent	NOUN
ajeer-194	189	43	of	of	ADP
ajeer-194	189	44	any	any	DET
ajeer-194	189	45	disturbances	disturbance	NOUN
ajeer-194	189	46	in	in	ADP
ajeer-194	189	47	the	the	DET
ajeer-194	189	48	model	model	NOUN
ajeer-194	189	49	is	be	AUX
ajeer-194	189	50	corrected	correct	VERB
ajeer-194	189	51	every	every	DET
ajeer-194	189	52	year	year	NOUN
ajeer-194	189	53	.	.	PUNCT
ajeer-194	190	1	the	the	DET
ajeer-194	190	2	results	result	NOUN
ajeer-194	190	3	also	also	ADV
ajeer-194	190	4	revealed	reveal	VERB
ajeer-194	190	5	that	that	SCONJ
ajeer-194	190	6	the	the	DET
ajeer-194	190	7	saving	saving	NOUN
ajeer-194	190	8	pattern	pattern	NOUN
ajeer-194	190	9	of	of	ADP
ajeer-194	190	10	the	the	DET
ajeer-194	190	11	ghanaian	ghanaian	ADJ
ajeer-194	190	12	depositor	depositor	NOUN
ajeer-194	190	13	conforms	conform	VERB
ajeer-194	190	14	to	to	ADP
ajeer-194	190	15	existing	exist	VERB
ajeer-194	190	16	theories	theory	NOUN
ajeer-194	190	17	,	,	PUNCT
ajeer-194	190	18	although	although	SCONJ
ajeer-194	190	19	there	there	PRON
ajeer-194	190	20	were	be	VERB
ajeer-194	190	21	some	some	DET
ajeer-194	190	22	deviations	deviation	NOUN
ajeer-194	190	23	.	.	PUNCT
ajeer-194	191	1	the	the	DET
ajeer-194	191	2	study	study	NOUN
ajeer-194	191	3	found	find	VERB
ajeer-194	191	4	that	that	SCONJ
ajeer-194	191	5	inflation	inflation	NOUN
ajeer-194	191	6	as	as	ADP
ajeer-194	191	7	a	a	DET
ajeer-194	191	8	measure	measure	NOUN
ajeer-194	191	9	of	of	ADP
ajeer-194	191	10	consumer	consumer	NOUN
ajeer-194	191	11	price	price	NOUN
ajeer-194	191	12	index	index	NOUN
ajeer-194	191	13	(	(	PUNCT
ajeer-194	191	14	cpi	cpi	NOUN
ajeer-194	191	15	)	)	PUNCT
ajeer-194	191	16	negatively	negatively	ADV
ajeer-194	191	17	impacts	impact	NOUN
ajeer-194	191	18	on	on	ADP
ajeer-194	191	19	bank	bank	NOUN
ajeer-194	191	20	deposits	deposit	NOUN
ajeer-194	191	21	in	in	ADP
ajeer-194	191	22	both	both	CCONJ
ajeer-194	191	23	the	the	DET
ajeer-194	191	24	short	short	ADJ
ajeer-194	191	25	run	run	NOUN
ajeer-194	191	26	and	and	CCONJ
ajeer-194	191	27	long	long	ADJ
ajeer-194	191	28	rum	rum	NOUN
ajeer-194	191	29	.	.	PUNCT
ajeer-194	192	1	this	this	PRON
ajeer-194	192	2	means	mean	VERB
ajeer-194	192	3	that	that	SCONJ
ajeer-194	192	4	in	in	ADP
ajeer-194	192	5	periods	period	NOUN
ajeer-194	192	6	of	of	ADP
ajeer-194	192	7	high	high	ADJ
ajeer-194	192	8	inflation	inflation	NOUN
ajeer-194	192	9	,	,	PUNCT
ajeer-194	192	10	economic	economic	ADJ
ajeer-194	192	11	agents	agent	NOUN
ajeer-194	192	12	,	,	PUNCT
ajeer-194	192	13	both	both	DET
ajeer-194	192	14	households	household	NOUN
ajeer-194	192	15	and	and	CCONJ
ajeer-194	192	16	firms	firm	NOUN
ajeer-194	192	17	are	be	AUX
ajeer-194	192	18	forced	force	VERB
ajeer-194	192	19	to	to	PART
ajeer-194	192	20	supplement	supplement	VERB
ajeer-194	192	21	their	their	PRON
ajeer-194	192	22	expenses	expense	NOUN
ajeer-194	192	23	by	by	ADP
ajeer-194	192	24	drawing	draw	VERB
ajeer-194	192	25	from	from	ADP
ajeer-194	192	26	the	the	DET
ajeer-194	192	27	bank	bank	NOUN
ajeer-194	192	28	accounts	account	NOUN
ajeer-194	192	29	,	,	PUNCT
ajeer-194	192	30	hence	hence	ADV
ajeer-194	192	31	a	a	DET
ajeer-194	192	32	reduction	reduction	NOUN
ajeer-194	192	33	in	in	ADP
ajeer-194	192	34	bank	bank	NOUN
ajeer-194	192	35	deposits	deposit	NOUN
ajeer-194	192	36	.	.	PUNCT
ajeer-194	193	1	it	it	PRON
ajeer-194	193	2	is	be	AUX
ajeer-194	193	3	therefore	therefore	ADV
ajeer-194	193	4	imperative	imperative	ADJ
ajeer-194	193	5	for	for	SCONJ
ajeer-194	193	6	banks	bank	NOUN
ajeer-194	193	7	to	to	PART
ajeer-194	193	8	adopt	adopt	VERB
ajeer-194	193	9	some	some	DET
ajeer-194	193	10	promotional	promotional	ADJ
ajeer-194	193	11	campaigns	campaign	NOUN
ajeer-194	193	12	and	and	CCONJ
ajeer-194	193	13	other	other	ADJ
ajeer-194	193	14	prudent	prudent	ADJ
ajeer-194	193	15	measures	measure	NOUN
ajeer-194	193	16	to	to	PART
ajeer-194	193	17	curb	curb	VERB
ajeer-194	193	18	the	the	DET
ajeer-194	193	19	adverse	adverse	ADJ
ajeer-194	193	20	effects	effect	NOUN
ajeer-194	193	21	of	of	ADP
ajeer-194	193	22	inflation	inflation	NOUN
ajeer-194	193	23	on	on	ADP
ajeer-194	193	24	deposits	deposit	NOUN
ajeer-194	193	25	.	.	PUNCT
ajeer-194	194	1	in	in	ADP
ajeer-194	194	2	anticipation	anticipation	NOUN
ajeer-194	194	3	of	of	ADP
ajeer-194	194	4	inflation	inflation	NOUN
ajeer-194	194	5	,	,	PUNCT
ajeer-194	194	6	banks	bank	NOUN
ajeer-194	194	7	could	could	AUX
ajeer-194	194	8	adjust	adjust	VERB
ajeer-194	194	9	their	their	PRON
ajeer-194	194	10	deposit	deposit	NOUN
ajeer-194	194	11	interest	interest	NOUN
ajeer-194	194	12	rate	rate	NOUN
ajeer-194	194	13	in	in	ADP
ajeer-194	194	14	some	some	DET
ajeer-194	194	15	high	high	ADJ
ajeer-194	194	16	volume	volume	NOUN
ajeer-194	194	17	deposits	deposit	NOUN
ajeer-194	194	18	in	in	ADP
ajeer-194	194	19	order	order	NOUN
ajeer-194	194	20	to	to	PART
ajeer-194	194	21	minimize	minimize	VERB
ajeer-194	194	22	the	the	DET
ajeer-194	194	23	level	level	NOUN
ajeer-194	194	24	of	of	ADP
ajeer-194	194	25	leakages	leakage	NOUN
ajeer-194	194	26	(	(	PUNCT
ajeer-194	194	27	withdrawals	withdrawal	NOUN
ajeer-194	194	28	)	)	PUNCT
ajeer-194	194	29	from	from	ADP
ajeer-194	194	30	the	the	DET
ajeer-194	194	31	bank	bank	NOUN
ajeer-194	194	32	’s	’s	PART
ajeer-194	194	33	vaults	vault	NOUN
ajeer-194	194	34	.	.	PUNCT
ajeer-194	195	1	again	again	ADV
ajeer-194	195	2	,	,	PUNCT
ajeer-194	195	3	the	the	DET
ajeer-194	195	4	growth	growth	NOUN
ajeer-194	195	5	of	of	ADP
ajeer-194	195	6	money	money	NOUN
ajeer-194	195	7	supply	supply	NOUN
ajeer-194	195	8	was	be	AUX
ajeer-194	195	9	found	find	VERB
ajeer-194	195	10	to	to	PART
ajeer-194	195	11	have	have	VERB
ajeer-194	195	12	both	both	CCONJ
ajeer-194	195	13	negative	negative	ADJ
ajeer-194	195	14	and	and	CCONJ
ajeer-194	195	15	positive	positive	ADJ
ajeer-194	195	16	impacts	impact	NOUN
ajeer-194	195	17	on	on	ADP
ajeer-194	195	18	the	the	DET
ajeer-194	195	19	level	level	NOUN
ajeer-194	195	20	of	of	ADP
ajeer-194	195	21	bank	bank	NOUN
ajeer-194	195	22	deposits	deposit	NOUN
ajeer-194	195	23	in	in	ADP
ajeer-194	195	24	the	the	DET
ajeer-194	195	25	short	short	ADJ
ajeer-194	195	26	and	and	CCONJ
ajeer-194	195	27	long	long	ADJ
ajeer-194	195	28	run	run	NOUN
ajeer-194	195	29	.	.	PUNCT
ajeer-194	196	1	however	however	ADV
ajeer-194	196	2	the	the	DET
ajeer-194	196	3	long	long	ADJ
ajeer-194	196	4	run	run	VERB
ajeer-194	196	5	positive	positive	ADJ
ajeer-194	196	6	effect	effect	NOUN
ajeer-194	196	7	of	of	ADP
ajeer-194	196	8	growth	growth	NOUN
ajeer-194	196	9	of	of	ADP
ajeer-194	196	10	money	money	NOUN
ajeer-194	196	11	supply	supply	NOUN
ajeer-194	196	12	on	on	ADP
ajeer-194	196	13	bank	bank	NOUN
ajeer-194	196	14	deposits	deposit	NOUN
ajeer-194	196	15	was	be	AUX
ajeer-194	196	16	found	find	VERB
ajeer-194	196	17	to	to	PART
ajeer-194	196	18	far	far	ADV
ajeer-194	196	19	outweigh	outweigh	VERB
ajeer-194	196	20	the	the	DET
ajeer-194	196	21	negative	negative	ADJ
ajeer-194	196	22	effect	effect	NOUN
ajeer-194	196	23	in	in	ADP
ajeer-194	196	24	the	the	DET
ajeer-194	196	25	short	short	ADJ
ajeer-194	196	26	run	run	NOUN
ajeer-194	196	27	.	.	PUNCT
ajeer-194	197	1	it	it	PRON
ajeer-194	197	2	is	be	AUX
ajeer-194	197	3	however	however	ADV
ajeer-194	197	4	also	also	ADV
ajeer-194	197	5	important	important	ADJ
ajeer-194	197	6	that	that	SCONJ
ajeer-194	197	7	the	the	DET
ajeer-194	197	8	bank	bank	NOUN
ajeer-194	197	9	curbs	curb	NOUN
ajeer-194	197	10	the	the	DET
ajeer-194	197	11	level	level	NOUN
ajeer-194	197	12	of	of	ADP
ajeer-194	197	13	withdrawals	withdrawal	NOUN
ajeer-194	197	14	in	in	ADP
ajeer-194	197	15	the	the	DET
ajeer-194	197	16	short	short	ADJ
ajeer-194	197	17	run	run	NOUN
ajeer-194	197	18	when	when	SCONJ
ajeer-194	197	19	there	there	PRON
ajeer-194	197	20	is	be	VERB
ajeer-194	197	21	an	an	DET
ajeer-194	197	22	increase	increase	NOUN
ajeer-194	197	23	in	in	ADP
ajeer-194	197	24	money	money	NOUN
ajeer-194	197	25	supply	supply	NOUN
ajeer-194	197	26	.	.	PUNCT
ajeer-194	198	1	on	on	ADP
ajeer-194	198	2	the	the	DET
ajeer-194	198	3	macroeconomic	macroeconomic	ADJ
ajeer-194	198	4	level	level	NOUN
ajeer-194	198	5	also	also	ADV
ajeer-194	198	6	,	,	PUNCT
ajeer-194	198	7	this	this	DET
ajeer-194	198	8	result	result	NOUN
ajeer-194	198	9	serves	serve	VERB
ajeer-194	198	10	as	as	ADP
ajeer-194	198	11	a	a	DET
ajeer-194	198	12	tool	tool	NOUN
ajeer-194	198	13	to	to	ADP
ajeer-194	198	14	the	the	DET
ajeer-194	198	15	policy	policy	NOUN
ajeer-194	198	16	makers	maker	NOUN
ajeer-194	198	17	,	,	PUNCT
ajeer-194	198	18	especially	especially	ADV
ajeer-194	198	19	the	the	DET
ajeer-194	198	20	central	central	ADJ
ajeer-194	198	21	bank	bank	NOUN
ajeer-194	198	22	in	in	ADP
ajeer-194	198	23	its	its	PRON
ajeer-194	198	24	monetary	monetary	ADJ
ajeer-194	198	25	policy	policy	NOUN
ajeer-194	198	26	.	.	PUNCT
ajeer-194	199	1	thus	thus	ADV
ajeer-194	199	2	,	,	PUNCT
ajeer-194	199	3	if	if	SCONJ
ajeer-194	199	4	the	the	DET
ajeer-194	199	5	bank	bank	NOUN
ajeer-194	199	6	of	of	ADP
ajeer-194	199	7	ghana	ghana	PROPN
ajeer-194	199	8	wants	want	VERB
ajeer-194	199	9	to	to	PART
ajeer-194	199	10	reduce	reduce	VERB
ajeer-194	199	11	the	the	DET
ajeer-194	199	12	level	level	NOUN
ajeer-194	199	13	of	of	ADP
ajeer-194	199	14	loan	loan	NOUN
ajeer-194	199	15	advancement	advancement	NOUN
ajeer-194	199	16	by	by	ADP
ajeer-194	199	17	commercial	commercial	ADJ
ajeer-194	199	18	banks	bank	NOUN
ajeer-194	199	19	in	in	ADP
ajeer-194	199	20	the	the	DET
ajeer-194	199	21	short	short	ADJ
ajeer-194	199	22	-	-	PUNCT
ajeer-194	199	23	run	run	NOUN
ajeer-194	199	24	,	,	PUNCT
ajeer-194	199	25	it	it	PRON
ajeer-194	199	26	could	could	AUX
ajeer-194	199	27	achieve	achieve	VERB
ajeer-194	199	28	this	this	PRON
ajeer-194	199	29	by	by	ADP
ajeer-194	199	30	implementing	implement	VERB
ajeer-194	199	31	a	a	DET
ajeer-194	199	32	contractionary	contractionary	ADJ
ajeer-194	199	33	policy	policy	NOUN
ajeer-194	199	34	through	through	ADP
ajeer-194	199	35	decreases	decrease	NOUN
ajeer-194	199	36	in	in	ADP
ajeer-194	199	37	money	money	NOUN
ajeer-194	199	38	supply	supply	NOUN
ajeer-194	199	39	.	.	PUNCT
ajeer-194	200	1	this	this	DET
ajeer-194	200	2	results	result	NOUN
ajeer-194	200	3	in	in	ADP
ajeer-194	200	4	excess	excess	ADJ
ajeer-194	200	5	demand	demand	NOUN
ajeer-194	200	6	for	for	ADP
ajeer-194	200	7	money	money	NOUN
ajeer-194	200	8	which	which	PRON
ajeer-194	200	9	increases	increase	VERB
ajeer-194	200	10	the	the	DET
ajeer-194	200	11	cost	cost	NOUN
ajeer-194	200	12	of	of	ADP
ajeer-194	200	13	loanable	loanable	ADJ
ajeer-194	200	14	fund	fund	NOUN
ajeer-194	200	15	,	,	PUNCT
ajeer-194	200	16	hence	hence	ADV
ajeer-194	200	17	a	a	DET
ajeer-194	200	18	reduction	reduction	NOUN
ajeer-194	200	19	in	in	ADP
ajeer-194	200	20	people	people	NOUN
ajeer-194	200	21	’s	’s	PART
ajeer-194	200	22	willingness	willingness	NOUN
ajeer-194	200	23	to	to	PART
ajeer-194	200	24	acquire	acquire	VERB
ajeer-194	200	25	or	or	CCONJ
ajeer-194	200	26	take	take	VERB
ajeer-194	200	27	bank	bank	NOUN
ajeer-194	200	28	loans	loan	NOUN
ajeer-194	200	29	all	all	DET
ajeer-194	200	30	things	thing	NOUN
ajeer-194	200	31	being	be	AUX
ajeer-194	200	32	equal	equal	ADJ
ajeer-194	200	33	.	.	PUNCT
ajeer-194	201	1	references	reference	NOUN
ajeer-194	201	2	afanasieff	afanasieff	PROPN
ajeer-194	201	3	,	,	PUNCT
ajeer-194	201	4	t.	t.	PROPN
ajeer-194	201	5	,	,	PUNCT
ajeer-194	201	6	p.	p.	PROPN
ajeer-194	201	7	lhacer	lhacer	PROPN
ajeer-194	201	8	and	and	CCONJ
ajeer-194	201	9	m.	m.	NOUN
ajeer-194	201	10	nakane	nakane	PROPN
ajeer-194	201	11	,	,	PUNCT
ajeer-194	201	12	2002	2002	NUM
ajeer-194	201	13	.	.	PUNCT
ajeer-194	202	1	the	the	DET
ajeer-194	202	2	determinants	determinant	NOUN
ajeer-194	202	3	of	of	ADP
ajeer-194	202	4	bank	bank	NOUN
ajeer-194	202	5	interest	interest	NOUN
ajeer-194	202	6	spreads	spread	NOUN
ajeer-194	202	7	in	in	ADP
ajeer-194	202	8	brazil	brazil	PROPN
ajeer-194	202	9	.	.	PUNCT
ajeer-194	203	1	banco	banco	PROPN
ajeer-194	203	2	central	central	PROPN
ajeer-194	203	3	di	di	PROPN
ajeer-194	203	4	brazil	brazil	PROPN
ajeer-194	203	5	working	working	PROPN
ajeer-194	203	6	papers	paper	NOUN
ajeer-194	203	7	.	.	PUNCT
ajeer-194	204	1	athukorala	athukorala	PROPN
ajeer-194	204	2	,	,	PUNCT
ajeer-194	204	3	p.-c	p.-c	NOUN
ajeer-194	204	4	.	.	PUNCT
ajeer-194	205	1	and	and	CCONJ
ajeer-194	205	2	t.	t.	PROPN
ajeer-194	205	3	long	long	PROPN
ajeer-194	205	4	pang	pang	NOUN
ajeer-194	205	5	,	,	PUNCT
ajeer-194	205	6	2003	2003	NUM
ajeer-194	205	7	.	.	PUNCT
ajeer-194	206	1	determinants	determinant	NOUN
ajeer-194	206	2	of	of	ADP
ajeer-194	206	3	household	household	NOUN
ajeer-194	206	4	saving	save	VERB
ajeer-194	206	5	in	in	ADP
ajeer-194	206	6	taiwan	taiwan	PROPN
ajeer-194	206	7	:	:	PUNCT
ajeer-194	206	8	growth	growth	NOUN
ajeer-194	206	9	,	,	PUNCT
ajeer-194	206	10	demography	demography	NOUN
ajeer-194	206	11	and	and	CCONJ
ajeer-194	206	12	public	public	ADJ
ajeer-194	206	13	policy	policy	NOUN
ajeer-194	206	14	.	.	PUNCT
ajeer-194	207	1	journal	journal	PROPN
ajeer-194	207	2	of	of	ADP
ajeer-194	207	3	development	development	NOUN
ajeer-194	207	4	studies	study	NOUN
ajeer-194	207	5	,	,	PUNCT
ajeer-194	207	6	39(5	39(5	NUM
ajeer-194	207	7	):	):	PUNCT
ajeer-194	207	8	69	69	NUM
ajeer-194	207	9	-	-	SYM
ajeer-194	207	10	88	88	NUM
ajeer-194	207	11	.	.	PUNCT
ajeer-194	208	1	bog	bog	NOUN
ajeer-194	208	2	,	,	PUNCT
ajeer-194	208	3	2014	2014	NUM
ajeer-194	208	4	.	.	PUNCT
ajeer-194	209	1	supervision	supervision	NOUN
ajeer-194	209	2	and	and	CCONJ
ajeer-194	209	3	regulation	regulation	NOUN
ajeer-194	209	4	.	.	PUNCT
ajeer-194	210	1	available	available	ADJ
ajeer-194	210	2	from	from	ADP
ajeer-194	210	3	http://www.bog.gov.gh/index.php	http://www.bog.gov.gh/index.php	PROPN
ajeer-194	210	4	[	[	PUNCT
ajeer-194	210	5	accessed	access	VERB
ajeer-194	210	6	23	23	NUM
ajeer-194	210	7	september	september	PROPN
ajeer-194	210	8	2014	2014	NUM
ajeer-194	210	9	]	]	PUNCT
ajeer-194	210	10	.	.	PUNCT
ajeer-194	211	1	cardenas	cardenas	PROPN
ajeer-194	211	2	,	,	PUNCT
ajeer-194	211	3	m.	m.	NOUN
ajeer-194	211	4	and	and	CCONJ
ajeer-194	211	5	e.	e.	PROPN
ajeer-194	211	6	andreas	andreas	PROPN
ajeer-194	211	7	,	,	PUNCT
ajeer-194	211	8	1998	1998	NUM
ajeer-194	211	9	.	.	PUNCT
ajeer-194	212	1	saving	save	VERB
ajeer-194	212	2	determinants	determinant	NOUN
ajeer-194	212	3	in	in	ADP
ajeer-194	212	4	colombia	colombia	PROPN
ajeer-194	212	5	:	:	PUNCT
ajeer-194	212	6	1925	1925	NUM
ajeer-194	212	7	-	-	SYM
ajeer-194	212	8	1994	1994	NUM
ajeer-194	212	9	.	.	PUNCT
ajeer-194	213	1	journal	journal	PROPN
ajeer-194	213	2	of	of	ADP
ajeer-194	213	3	development	development	NOUN
ajeer-194	213	4	economics	economic	NOUN
ajeer-194	213	5	,	,	PUNCT
ajeer-194	213	6	57(1	57(1	NUM
ajeer-194	213	7	):	):	PUNCT
ajeer-194	213	8	5	5	NUM
ajeer-194	213	9	-	-	SYM
ajeer-194	213	10	44	44	NUM
ajeer-194	213	11	.	.	PUNCT
ajeer-194	214	1	carroll	carroll	PROPN
ajeer-194	214	2	christopher	christopher	PROPN
ajeer-194	214	3	,	,	PUNCT
ajeer-194	214	4	d.	d.	PROPN
ajeer-194	214	5	,	,	PUNCT
ajeer-194	214	6	1992	1992	NUM
ajeer-194	214	7	.	.	PUNCT
ajeer-194	215	1	the	the	DET
ajeer-194	215	2	buffer	buffer	NOUN
ajeer-194	215	3	-	-	PUNCT
ajeer-194	215	4	stock	stock	NOUN
ajeer-194	215	5	theory	theory	NOUN
ajeer-194	215	6	of	of	ADP
ajeer-194	215	7	saving	saving	NOUN
ajeer-194	215	8	:	:	PUNCT
ajeer-194	215	9	some	some	DET
ajeer-194	215	10	macroeconomic	macroeconomic	ADJ
ajeer-194	215	11	evidence	evidence	NOUN
ajeer-194	215	12	.	.	PUNCT
ajeer-194	216	1	brookings	brookings	PROPN
ajeer-194	216	2	papers	paper	NOUN
ajeer-194	216	3	on	on	ADP
ajeer-194	216	4	economic	economic	ADJ
ajeer-194	216	5	activity	activity	NOUN
ajeer-194	216	6	,	,	PUNCT
ajeer-194	216	7	1992(2	1992(2	NUM
ajeer-194	216	8	):	):	PUNCT
ajeer-194	216	9	61	61	NUM
ajeer-194	216	10	-	-	SYM
ajeer-194	216	11	156	156	NUM
ajeer-194	216	12	.	.	PUNCT
ajeer-194	217	1	cohn	cohn	PROPN
ajeer-194	217	2	richard	richard	PROPN
ajeer-194	217	3	,	,	PUNCT
ajeer-194	217	4	c.	c.	PROPN
ajeer-194	217	5	and	and	CCONJ
ajeer-194	217	6	r.	r.	PROPN
ajeer-194	217	7	bharat	bharat	PROPN
ajeer-194	217	8	kolluri	kolluri	PROPN
ajeer-194	217	9	,	,	PUNCT
ajeer-194	217	10	2003	2003	NUM
ajeer-194	217	11	.	.	PUNCT
ajeer-194	218	1	determinants	determinant	NOUN
ajeer-194	218	2	of	of	ADP
ajeer-194	218	3	household	household	NOUN
ajeer-194	218	4	saving	save	VERB
ajeer-194	218	5	in	in	ADP
ajeer-194	218	6	the	the	DET
ajeer-194	218	7	g-7	g-7	NOUN
ajeer-194	218	8	countries	country	NOUN
ajeer-194	218	9	:	:	PUNCT
ajeer-194	218	10	recent	recent	ADJ
ajeer-194	218	11	evidence	evidence	NOUN
ajeer-194	218	12	.	.	PUNCT
ajeer-194	219	1	applied	apply	VERB
ajeer-194	219	2	economics	economic	NOUN
ajeer-194	219	3	,	,	PUNCT
ajeer-194	219	4	35(10	35(10	NUM
ajeer-194	219	5	):	):	PUNCT
ajeer-194	219	6	1199	1199	NUM
ajeer-194	219	7	-	-	SYM
ajeer-194	219	8	1208	1208	NUM
ajeer-194	219	9	.	.	PUNCT
ajeer-194	220	1	dadzie	dadzie	PROPN
ajeer-194	220	2	kofi	kofi	PROPN
ajeer-194	220	3	,	,	PUNCT
ajeer-194	220	4	q.	q.	PROPN
ajeer-194	220	5	,	,	PUNCT
ajeer-194	220	6	w.	w.	PROPN
ajeer-194	220	7	evelyn	evelyn	PROPN
ajeer-194	220	8	and	and	CCONJ
ajeer-194	220	9	a.	a.	PROPN
ajeer-194	220	10	kofi	kofi	PROPN
ajeer-194	220	11	,	,	PUNCT
ajeer-194	220	12	2003	2003	NUM
ajeer-194	220	13	.	.	PUNCT
ajeer-194	221	1	the	the	DET
ajeer-194	221	2	effects	effect	NOUN
ajeer-194	221	3	of	of	ADP
ajeer-194	221	4	normative	normative	ADJ
ajeer-194	221	5	social	social	ADJ
ajeer-194	221	6	belief	belief	NOUN
ajeer-194	221	7	systems	system	NOUN
ajeer-194	221	8	and	and	CCONJ
ajeer-194	221	9	customer	customer	NOUN
ajeer-194	221	10	satisfaction	satisfaction	NOUN
ajeer-194	221	11	on	on	ADP
ajeer-194	221	12	rural	rural	ADJ
ajeer-194	221	13	savings	saving	NOUN
ajeer-194	221	14	programs	program	NOUN
ajeer-194	221	15	in	in	ADP
ajeer-194	221	16	ghana	ghana	PROPN
ajeer-194	221	17	.	.	PUNCT
ajeer-194	222	1	management	management	NOUN
ajeer-194	222	2	decision	decision	NOUN
ajeer-194	222	3	,	,	PUNCT
ajeer-194	222	4	41(3	41(3	NUM
ajeer-194	222	5	):	):	PUNCT
ajeer-194	222	6	233	233	NUM
ajeer-194	222	7	-	-	SYM
ajeer-194	222	8	240	240	NUM
ajeer-194	222	9	.	.	PUNCT
ajeer-194	223	1	deaton	deaton	PROPN
ajeer-194	223	2	,	,	PUNCT
ajeer-194	223	3	a.s	a.s	PROPN
ajeer-194	223	4	.	.	PROPN
ajeer-194	223	5	,	,	PUNCT
ajeer-194	223	6	1991	1991	NUM
ajeer-194	223	7	.	.	PUNCT
ajeer-194	224	1	saving	saving	NOUN
ajeer-194	224	2	and	and	CCONJ
ajeer-194	224	3	liquidity	liquidity	NOUN
ajeer-194	224	4	constraints	constraint	NOUN
ajeer-194	224	5	.	.	PUNCT
ajeer-194	225	1	econometrica	econometrica	PROPN
ajeer-194	225	2	,	,	PUNCT
ajeer-194	225	3	59(5	59(5	NUM
ajeer-194	225	4	):	):	PUNCT
ajeer-194	225	5	12211248	12211248	NUM
ajeer-194	225	6	.	.	PUNCT
ajeer-194	226	1	dietrich	dietrich	PROPN
ajeer-194	226	2	,	,	PUNCT
ajeer-194	226	3	a.	a.	PROPN
ajeer-194	226	4	and	and	CCONJ
ajeer-194	226	5	g.	g.	PROPN
ajeer-194	226	6	wanzenried	wanzenrie	VERB
ajeer-194	226	7	,	,	PUNCT
ajeer-194	226	8	2009	2009	NUM
ajeer-194	226	9	.	.	PUNCT
ajeer-194	227	1	what	what	PRON
ajeer-194	227	2	determines	determine	VERB
ajeer-194	227	3	the	the	DET
ajeer-194	227	4	profitability	profitability	NOUN
ajeer-194	227	5	of	of	ADP
ajeer-194	227	6	commercial	commercial	ADJ
ajeer-194	227	7	banks	bank	NOUN
ajeer-194	227	8	?	?	PUNCT
ajeer-194	228	1	new	new	ADJ
ajeer-194	228	2	evidence	evidence	NOUN
ajeer-194	228	3	from	from	ADP
ajeer-194	228	4	switzerland	switzerland	PROPN
ajeer-194	228	5	.	.	PUNCT
ajeer-194	229	1	12th	12th	ADJ
ajeer-194	229	2	conference	conference	NOUN
ajeer-194	229	3	of	of	ADP
ajeer-194	229	4	the	the	DET
ajeer-194	229	5	swiss	swiss	ADJ
ajeer-194	229	6	society	society	NOUN
ajeer-194	229	7	for	for	ADP
ajeer-194	229	8	financial	financial	ADJ
ajeer-194	229	9	market	market	NOUN
ajeer-194	229	10	researches	research	NOUN
ajeer-194	229	11	,	,	PUNCT
ajeer-194	229	12	geneva	geneva	PROPN
ajeer-194	229	13	.	.	PUNCT
ajeer-194	230	1	elsevier	elsevier	PROPN
ajeer-194	230	2	,	,	PUNCT
ajeer-194	230	3	2014	2014	NUM
ajeer-194	230	4	.	.	PUNCT
ajeer-194	231	1	commercial	commercial	ADJ
ajeer-194	231	2	banks	bank	NOUN
ajeer-194	231	3	.	.	PUNCT
ajeer-194	232	1	available	available	ADJ
ajeer-194	232	2	from	from	ADP
ajeer-194	232	3	http://www.elsevier.com/locate/econbase	http://www.elsevier.com/locate/econbase	PROPN
ajeer-194	232	4	[	[	PUNCT
ajeer-194	232	5	accessed	access	VERB
ajeer-194	232	6	1	1	NUM
ajeer-194	232	7	august	august	PROPN
ajeer-194	232	8	2014	2014	NUM
ajeer-194	232	9	]	]	PUNCT
ajeer-194	232	10	.	.	PUNCT
ajeer-194	233	1	friedman	friedman	PROPN
ajeer-194	233	2	,	,	PUNCT
ajeer-194	233	3	m.	m.	NOUN
ajeer-194	233	4	,	,	PUNCT
ajeer-194	233	5	1957	1957	NUM
ajeer-194	233	6	.	.	PUNCT
ajeer-194	234	1	a	a	DET
ajeer-194	234	2	theory	theory	NOUN
ajeer-194	234	3	of	of	ADP
ajeer-194	234	4	the	the	DET
ajeer-194	234	5	consumption	consumption	NOUN
ajeer-194	234	6	function	function	NOUN
ajeer-194	234	7	.	.	PUNCT
ajeer-194	235	1	general	general	ADJ
ajeer-194	235	2	series	series	PROPN
ajeer-194	235	3	no	no	INTJ
ajeer-194	235	4	.	.	PROPN
ajeer-194	235	5	63	63	NUM
ajeer-194	235	6	.	.	PUNCT
ajeer-194	235	7	national	national	PROPN
ajeer-194	235	8	bureau	bureau	PROPN
ajeer-194	235	9	of	of	ADP
ajeer-194	235	10	economic	economic	ADJ
ajeer-194	235	11	research	research	NOUN
ajeer-194	235	12	,	,	PUNCT
ajeer-194	235	13	cambridge	cambridge	PROPN
ajeer-194	235	14	,	,	PUNCT
ajeer-194	235	15	mass	mass	PROPN
ajeer-194	235	16	.	.	PROPN
ajeer-194	235	17	processed	process	VERB
ajeer-194	235	18	.	.	PUNCT
ajeer-194	236	1	haron	haron	PROPN
ajeer-194	236	2	,	,	PUNCT
ajeer-194	236	3	s.	s.	PROPN
ajeer-194	236	4	and	and	CCONJ
ajeer-194	236	5	n.	n.	PROPN
ajeer-194	236	6	ahmad	ahmad	PROPN
ajeer-194	236	7	,	,	PUNCT
ajeer-194	236	8	2000	2000	NUM
ajeer-194	236	9	.	.	PUNCT
ajeer-194	237	1	the	the	DET
ajeer-194	237	2	effects	effect	NOUN
ajeer-194	237	3	of	of	ADP
ajeer-194	237	4	conventional	conventional	ADJ
ajeer-194	237	5	interest	interest	NOUN
ajeer-194	237	6	rates	rate	NOUN
ajeer-194	237	7	and	and	CCONJ
ajeer-194	237	8	rate	rate	NOUN
ajeer-194	237	9	of	of	ADP
ajeer-194	237	10	profit	profit	NOUN
ajeer-194	237	11	on	on	ADP
ajeer-194	237	12	funds	fund	NOUN
ajeer-194	237	13	deposited	deposit	VERB
ajeer-194	237	14	with	with	ADP
ajeer-194	237	15	islamic	islamic	ADJ
ajeer-194	237	16	banking	banking	NOUN
ajeer-194	237	17	system	system	NOUN
ajeer-194	237	18	in	in	ADP
ajeer-194	237	19	malaysia	malaysia	PROPN
ajeer-194	237	20	.	.	PUNCT
ajeer-194	237	21	intl	intl	PROPN
ajeer-194	237	22	.	.	PUNCT
ajeer-194	238	1	j.	j.	PROPN
ajeer-194	238	2	islamic	islamic	PROPN
ajeer-194	238	3	financial	financial	PROPN
ajeer-194	238	4	services	services	PROPN
ajeer-194	238	5	,	,	PUNCT
ajeer-194	238	6	1(4	1(4	NUM
ajeer-194	238	7	):	):	PUNCT
ajeer-194	238	8	1	1	NUM
ajeer-194	238	9	-	-	SYM
ajeer-194	238	10	7	7	NUM
ajeer-194	238	11	.	.	PUNCT
ajeer-194	239	1	haron	haron	PROPN
ajeer-194	239	2	,	,	PUNCT
ajeer-194	239	3	s.	s.	PROPN
ajeer-194	239	4	and	and	CCONJ
ajeer-194	239	5	w.n	w.n	PROPN
ajeer-194	239	6	.	.	PROPN
ajeer-194	239	7	wan	wan	PROPN
ajeer-194	239	8	azmi	azmi	PROPN
ajeer-194	239	9	,	,	PUNCT
ajeer-194	239	10	2006	2006	NUM
ajeer-194	239	11	.	.	PUNCT
ajeer-194	240	1	deposit	deposit	NOUN
ajeer-194	240	2	determinants	determinant	NOUN
ajeer-194	240	3	of	of	ADP
ajeer-194	240	4	commercial	commercial	ADJ
ajeer-194	240	5	banks	bank	NOUN
ajeer-194	240	6	in	in	ADP
ajeer-194	240	7	malaysia	malaysia	PROPN
ajeer-194	240	8	.	.	PUNCT
ajeer-194	241	1	creating	create	VERB
ajeer-194	241	2	dynamic	dynamic	ADJ
ajeer-194	241	3	leaders	leader	NOUN
ajeer-194	241	4	.	.	PUNCT
ajeer-194	242	1	working	work	VERB
ajeer-194	242	2	paper	paper	PROPN
ajeer-194	242	3	series	series	PROPN
ajeer-194	242	4	no	no	PROPN
ajeer-194	242	5	.	.	PROPN
ajeer-194	242	6	009	009	NUM
ajeer-194	242	7	,	,	PUNCT
ajeer-194	242	8	20(2	20(2	NUM
ajeer-194	242	9	)	)	PUNCT
ajeer-194	242	10	.	.	PUNCT
ajeer-194	243	1	hondroyiannis	hondroyiannis	PROPN
ajeer-194	243	2	,	,	PUNCT
ajeer-194	243	3	g.	g.	PROPN
ajeer-194	243	4	,	,	PUNCT
ajeer-194	243	5	2004	2004	NUM
ajeer-194	243	6	.	.	PUNCT
ajeer-194	244	1	estimating	estimate	VERB
ajeer-194	244	2	private	private	ADJ
ajeer-194	244	3	savings	saving	NOUN
ajeer-194	244	4	behavior	behavior	NOUN
ajeer-194	244	5	in	in	ADP
ajeer-194	244	6	greece	greece	PROPN
ajeer-194	244	7	.	.	PROPN
ajeer-194	245	1	journal	journal	PROPN
ajeer-194	245	2	of	of	ADP
ajeer-194	245	3	economic	economic	ADJ
ajeer-194	245	4	studies	study	NOUN
ajeer-194	245	5	,	,	PUNCT
ajeer-194	245	6	31(5	31(5	NUM
ajeer-194	245	7	):	):	PUNCT
ajeer-194	245	8	457	457	NUM
ajeer-194	245	9	-	-	SYM
ajeer-194	245	10	476	476	NUM
ajeer-194	245	11	.	.	PUNCT
ajeer-194	246	1	kasim	kasim	PROPN
ajeer-194	246	2	,	,	PUNCT
ajeer-194	246	3	s.h	s.h	PROPN
ajeer-194	246	4	.	.	PROPN
ajeer-194	246	5	,	,	PUNCT
ajeer-194	246	6	m.s.a	m.s.a	PROPN
ajeer-194	246	7	.	.	PUNCT
ajeer-194	246	8	majid	majid	PROPN
ajeer-194	246	9	and	and	CCONJ
ajeer-194	246	10	r.m	r.m	PROPN
ajeer-194	246	11	.	.	PROPN
ajeer-194	246	12	yusof	yusof	PROPN
ajeer-194	246	13	,	,	PUNCT
ajeer-194	246	14	2009	2009	NUM
ajeer-194	246	15	.	.	PUNCT
ajeer-194	247	1	impact	impact	NOUN
ajeer-194	247	2	of	of	ADP
ajeer-194	247	3	monetary	monetary	ADJ
ajeer-194	247	4	policy	policy	NOUN
ajeer-194	247	5	shocks	shock	NOUN
ajeer-194	247	6	on	on	ADP
ajeer-194	247	7	the	the	DET
ajeer-194	247	8	conventional	conventional	ADJ
ajeer-194	247	9	and	and	CCONJ
ajeer-194	247	10	islamic	islamic	ADJ
ajeer-194	247	11	banks	bank	NOUN
ajeer-194	247	12	in	in	ADP
ajeer-194	247	13	a	a	DET
ajeer-194	247	14	dual	dual	ADJ
ajeer-194	247	15	banking	banking	NOUN
ajeer-194	247	16	system	system	NOUN
ajeer-194	247	17	:	:	PUNCT
ajeer-194	247	18	evidence	evidence	NOUN
ajeer-194	247	19	from	from	ADP
ajeer-194	247	20	malaysia	malaysia	PROPN
ajeer-194	247	21	.	.	PUNCT
ajeer-194	248	1	j.	j.	PROPN
ajeer-194	248	2	econ	econ	PROPN
ajeer-194	248	3	.	.	PUNCT
ajeer-194	249	1	coop	coop	PROPN
ajeer-194	249	2	.	.	PUNCT
ajeer-194	250	1	dev	dev	PROPN
ajeer-194	250	2	,	,	PUNCT
ajeer-194	250	3	30(1	30(1	NUM
ajeer-194	250	4	):	):	PUNCT
ajeer-194	250	5	41	41	NUM
ajeer-194	250	6	-	-	SYM
ajeer-194	250	7	58	58	NUM
ajeer-194	250	8	.	.	PUNCT
ajeer-194	251	1	kasri	kasri	PROPN
ajeer-194	251	2	,	,	PUNCT
ajeer-194	251	3	r.a	r.a	PROPN
ajeer-194	251	4	.	.	PROPN
ajeer-194	251	5	and	and	CCONJ
ajeer-194	251	6	s.h	s.h	PROPN
ajeer-194	251	7	.	.	PROPN
ajeer-194	251	8	kassim	kassim	PROPN
ajeer-194	251	9	,	,	PUNCT
ajeer-194	251	10	2009	2009	NUM
ajeer-194	251	11	.	.	PUNCT
ajeer-194	252	1	empirical	empirical	ADJ
ajeer-194	252	2	determinants	determinant	NOUN
ajeer-194	252	3	of	of	ADP
ajeer-194	252	4	saving	save	VERB
ajeer-194	252	5	in	in	ADP
ajeer-194	252	6	the	the	DET
ajeer-194	252	7	islamic	islamic	ADJ
ajeer-194	252	8	banks	bank	NOUN
ajeer-194	252	9	:	:	PUNCT
ajeer-194	252	10	evidence	evidence	NOUN
ajeer-194	252	11	from	from	ADP
ajeer-194	252	12	indonesia	indonesia	PROPN
ajeer-194	252	13	.	.	PROPN
ajeer-194	253	1	journal	journal	PROPN
ajeer-194	253	2	of	of	ADP
ajeer-194	253	3	king	king	PROPN
ajeer-194	253	4	abdulaziz	abdulaziz	PROPN
ajeer-194	253	5	university	university	PROPN
ajeer-194	253	6	:	:	PUNCT
ajeer-194	253	7	islamic	islamic	ADJ
ajeer-194	253	8	economics	economic	NOUN
ajeer-194	253	9	,	,	PUNCT
ajeer-194	253	10	22(2	22(2	NUM
ajeer-194	253	11	):	):	PUNCT
ajeer-194	253	12	181	181	NUM
ajeer-194	253	13	-	-	SYM
ajeer-194	253	14	201	201	NUM
ajeer-194	253	15	.	.	PUNCT
ajeer-194	254	1	keynes	keynes	PROPN
ajeer-194	254	2	,	,	PUNCT
ajeer-194	254	3	j.m	j.m	PROPN
ajeer-194	254	4	.	.	PROPN
ajeer-194	254	5	,	,	PUNCT
ajeer-194	254	6	1936	1936	NUM
ajeer-194	254	7	.	.	PUNCT
ajeer-194	255	1	the	the	DET
ajeer-194	255	2	general	general	ADJ
ajeer-194	255	3	theory	theory	NOUN
ajeer-194	255	4	of	of	ADP
ajeer-194	255	5	employment	employment	NOUN
ajeer-194	255	6	,	,	PUNCT
ajeer-194	255	7	interest	interest	NOUN
ajeer-194	255	8	,	,	PUNCT
ajeer-194	255	9	and	and	CCONJ
ajeer-194	255	10	money	money	NOUN
ajeer-194	255	11	.	.	PUNCT
ajeer-194	256	1	japan	japan	PROPN
ajeer-194	256	2	:	:	PUNCT
ajeer-194	256	3	maruzen	maruzen	PROPN
ajeer-194	256	4	co.	co.	PROPN
ajeer-194	256	5	,	,	PUNCT
ajeer-194	256	6	ltd	ltd	PROPN
ajeer-194	256	7	.	.	PROPN
ajeer-194	256	8	mangkuto	mangkuto	PROPN
ajeer-194	256	9	,	,	PUNCT
ajeer-194	256	10	i.j	i.j	PROPN
ajeer-194	256	11	.	.	PROPN
ajeer-194	256	12	,	,	PUNCT
ajeer-194	256	13	2004	2004	NUM
ajeer-194	256	14	.	.	PUNCT
ajeer-194	257	1	the	the	DET
ajeer-194	257	2	effects	effect	NOUN
ajeer-194	257	3	of	of	ADP
ajeer-194	257	4	conventional	conventional	ADJ
ajeer-194	257	5	deposit	deposit	NOUN
ajeer-194	257	6	interest	interest	NOUN
ajeer-194	257	7	rate	rate	NOUN
ajeer-194	257	8	and	and	CCONJ
ajeer-194	257	9	mudharaba	mudharaba	NOUN
ajeer-194	257	10	deposit	deposit	NOUN
ajeer-194	257	11	yield	yield	NOUN
ajeer-194	257	12	to	to	ADP
ajeer-194	257	13	the	the	DET
ajeer-194	257	14	deposit	deposit	NOUN
ajeer-194	257	15	growth	growth	NOUN
ajeer-194	257	16	at	at	ADP
ajeer-194	257	17	bank	bank	PROPN
ajeer-194	257	18	muamalat	muamalat	PROPN
ajeer-194	257	19	indonesia	indonesia	PROPN
ajeer-194	257	20	.	.	PROPN
ajeer-194	258	1	unpublished	unpublished	ADJ
ajeer-194	258	2	master	master	NOUN
ajeer-194	258	3	thesis	thesis	NOUN
ajeer-194	258	4	,	,	PUNCT
ajeer-194	258	5	university	university	NOUN
ajeer-194	258	6	of	of	ADP
ajeer-194	258	7	indonesia	indonesia	PROPN
ajeer-194	258	8	,	,	PUNCT
ajeer-194	258	9	jakarta	jakarta	PROPN
ajeer-194	258	10	.	.	PUNCT
ajeer-194	259	1	http://www.bog.gov.gh/index.php	http://www.bog.gov.gh/index.php	PROPN
ajeer-194	259	2	http://www.elsevier.com/locate/econbase	http://www.elsevier.com/locate/econbase	PROPN
ajeer-194	259	3	asian	asian	ADJ
ajeer-194	259	4	journal	journal	NOUN
ajeer-194	259	5	of	of	ADP
ajeer-194	259	6	economics	economic	NOUN
ajeer-194	259	7	and	and	CCONJ
ajeer-194	259	8	empirical	empirical	ADJ
ajeer-194	259	9	research	research	NOUN
ajeer-194	259	10	,	,	PUNCT
ajeer-194	259	11	2015	2015	NUM
ajeer-194	259	12	,	,	PUNCT
ajeer-194	259	13	2(1):1	2(1):1	NUM
ajeer-194	259	14	-	-	SYM
ajeer-194	259	15	7	7	NUM
ajeer-194	259	16	7	7	NUM
ajeer-194	259	17	masson	masson	PROPN
ajeer-194	259	18	,	,	PUNCT
ajeer-194	259	19	p.r	p.r	PROPN
ajeer-194	259	20	.	.	PROPN
ajeer-194	259	21	,	,	PUNCT
ajeer-194	259	22	t.	t.	NOUN
ajeer-194	259	23	bayoumi	bayoumi	PROPN
ajeer-194	259	24	and	and	CCONJ
ajeer-194	259	25	h.	h.	PROPN
ajeer-194	259	26	samiel	samiel	PROPN
ajeer-194	259	27	,	,	PUNCT
ajeer-194	259	28	1998	1998	NUM
ajeer-194	259	29	.	.	PUNCT
ajeer-194	260	1	international	international	ADJ
ajeer-194	260	2	evidence	evidence	NOUN
ajeer-194	260	3	on	on	ADP
ajeer-194	260	4	the	the	DET
ajeer-194	260	5	determinants	determinant	NOUN
ajeer-194	260	6	of	of	ADP
ajeer-194	260	7	private	private	ADJ
ajeer-194	260	8	savings	saving	NOUN
ajeer-194	260	9	.	.	PUNCT
ajeer-194	261	1	the	the	DET
ajeer-194	261	2	world	world	PROPN
ajeer-194	261	3	bank	bank	PROPN
ajeer-194	261	4	economic	economic	PROPN
ajeer-194	261	5	review	review	PROPN
ajeer-194	261	6	,	,	PUNCT
ajeer-194	261	7	12(3	12(3	NUM
ajeer-194	261	8	):	):	PUNCT
ajeer-194	261	9	483	483	NUM
ajeer-194	261	10	-	-	SYM
ajeer-194	261	11	501	501	NUM
ajeer-194	261	12	.	.	PUNCT
ajeer-194	262	1	modigliani	modigliani	PROPN
ajeer-194	262	2	,	,	PUNCT
ajeer-194	262	3	f.	f.	PROPN
ajeer-194	262	4	and	and	CCONJ
ajeer-194	262	5	r.	r.	PROPN
ajeer-194	262	6	brumberg	brumberg	PROPN
ajeer-194	262	7	,	,	PUNCT
ajeer-194	262	8	1954	1954	NUM
ajeer-194	262	9	.	.	PUNCT
ajeer-194	263	1	utility	utility	NOUN
ajeer-194	263	2	analysis	analysis	NOUN
ajeer-194	263	3	and	and	CCONJ
ajeer-194	263	4	the	the	DET
ajeer-194	263	5	consumption	consumption	NOUN
ajeer-194	263	6	function	function	NOUN
ajeer-194	263	7	:	:	PUNCT
ajeer-194	263	8	an	an	DET
ajeer-194	263	9	interpolation	interpolation	NOUN
ajeer-194	263	10	of	of	ADP
ajeer-194	263	11	the	the	DET
ajeer-194	263	12	cross	cross	ADJ
ajeer-194	263	13	-	-	ADJ
ajeer-194	263	14	section	section	ADJ
ajeer-194	263	15	data	datum	NOUN
ajeer-194	263	16	,	,	PUNCT
ajeer-194	263	17	in	in	ADP
ajeer-194	263	18	postkeynesian	postkeynesian	ADJ
ajeer-194	263	19	economics	economic	NOUN
ajeer-194	263	20	,	,	PUNCT
ajeer-194	263	21	(	(	PUNCT
ajeer-194	263	22	eds	ed	NOUN
ajeer-194	263	23	)	)	PUNCT
ajeer-194	263	24	.	.	PUNCT
ajeer-194	264	1	k.	k.	PROPN
ajeer-194	264	2	kurihara	kurihara	PROPN
ajeer-194	264	3	.	.	PUNCT
ajeer-194	265	1	new	new	PROPN
ajeer-194	265	2	brunswick	brunswick	PROPN
ajeer-194	265	3	,	,	PUNCT
ajeer-194	265	4	nj	nj	PROPN
ajeer-194	265	5	:	:	PUNCT
ajeer-194	265	6	rutgers	rutgers	PROPN
ajeer-194	265	7	u.	u.	PROPN
ajeer-194	265	8	press	press	PROPN
ajeer-194	265	9	.	.	PUNCT
ajeer-194	266	1	pp	pp	ADV
ajeer-194	266	2	:	:	PUNCT
ajeer-194	266	3	388	388	NUM
ajeer-194	266	4	-	-	SYM
ajeer-194	266	5	436	436	NUM
ajeer-194	266	6	.	.	PUNCT
ajeer-194	267	1	muhammad	muhammad	PROPN
ajeer-194	267	2	,	,	PUNCT
ajeer-194	267	3	f.	f.	PROPN
ajeer-194	267	4	,	,	PUNCT
ajeer-194	267	5	a.	a.	NOUN
ajeer-194	267	6	khizer	khizer	PROPN
ajeer-194	267	7	and	and	CCONJ
ajeer-194	267	8	s.	s.	PROPN
ajeer-194	267	9	shama	shama	PROPN
ajeer-194	267	10	,	,	PUNCT
ajeer-194	267	11	2011	2011	NUM
ajeer-194	267	12	.	.	PUNCT
ajeer-194	268	1	liquidity	liquidity	NOUN
ajeer-194	268	2	risk	risk	NOUN
ajeer-194	268	3	management	management	NOUN
ajeer-194	268	4	:	:	PUNCT
ajeer-194	268	5	a	a	DET
ajeer-194	268	6	comparative	comparative	ADJ
ajeer-194	268	7	study	study	NOUN
ajeer-194	268	8	between	between	ADP
ajeer-194	268	9	conventional	conventional	ADJ
ajeer-194	268	10	and	and	CCONJ
ajeer-194	268	11	islamic	islamic	ADJ
ajeer-194	268	12	banks	bank	NOUN
ajeer-194	268	13	of	of	ADP
ajeer-194	268	14	pakistan	pakistan	PROPN
ajeer-194	268	15	.	.	PUNCT
ajeer-194	269	1	interdisciplinary	interdisciplinary	ADJ
ajeer-194	269	2	journal	journal	NOUN
ajeer-194	269	3	of	of	ADP
ajeer-194	269	4	research	research	NOUN
ajeer-194	269	5	in	in	ADP
ajeer-194	269	6	business	business	NOUN
ajeer-194	269	7	,	,	PUNCT
ajeer-194	269	8	1(1	1(1	NUM
ajeer-194	269	9	):	):	PUNCT
ajeer-194	269	10	35	35	NUM
ajeer-194	269	11	-	-	SYM
ajeer-194	269	12	44	44	NUM
ajeer-194	269	13	.	.	PUNCT
ajeer-194	270	1	naceur	naceur	PROPN
ajeer-194	270	2	,	,	PUNCT
ajeer-194	270	3	s.b	s.b	PROPN
ajeer-194	270	4	.	.	PROPN
ajeer-194	270	5	,	,	PUNCT
ajeer-194	270	6	2003	2003	NUM
ajeer-194	270	7	.	.	PUNCT
ajeer-194	271	1	the	the	DET
ajeer-194	271	2	determinants	determinant	NOUN
ajeer-194	271	3	of	of	ADP
ajeer-194	271	4	the	the	DET
ajeer-194	271	5	tunisian	tunisian	ADJ
ajeer-194	271	6	banking	banking	NOUN
ajeer-194	271	7	industry	industry	NOUN
ajeer-194	271	8	profitability	profitability	NOUN
ajeer-194	271	9	:	:	PUNCT
ajeer-194	271	10	panel	panel	NOUN
ajeer-194	271	11	evidence	evidence	NOUN
ajeer-194	271	12	.	.	PUNCT
ajeer-194	272	1	universite	universite	PROPN
ajeer-194	272	2	libre	libre	PROPN
ajeer-194	272	3	de	de	PROPN
ajeer-194	272	4	tunis	tunis	VERB
ajeer-194	272	5	working	working	NOUN
ajeer-194	272	6	papers	paper	NOUN
ajeer-194	272	7	.	.	PUNCT
ajeer-194	273	1	nishat	nishat	PROPN
ajeer-194	273	2	,	,	PUNCT
ajeer-194	273	3	m.	m.	NOUN
ajeer-194	273	4	and	and	CCONJ
ajeer-194	273	5	n.	n.	PROPN
ajeer-194	273	6	bilgrami	bilgrami	PROPN
ajeer-194	273	7	,	,	PUNCT
ajeer-194	273	8	1989	1989	NUM
ajeer-194	273	9	.	.	PUNCT
ajeer-194	274	1	determinants	determinant	NOUN
ajeer-194	274	2	of	of	ADP
ajeer-194	274	3	growth	growth	NOUN
ajeer-194	274	4	of	of	ADP
ajeer-194	274	5	bank	bank	NOUN
ajeer-194	274	6	deposits	deposit	NOUN
ajeer-194	274	7	in	in	ADP
ajeer-194	274	8	pakistan	pakistan	PROPN
ajeer-194	274	9	.	.	PUNCT
ajeer-194	275	1	giordano	giordano	PROPN
ajeer-194	275	2	dell	dell	PROPN
ajeer-194	275	3	-	-	PUNCT
ajeer-194	275	4	amore	amore	PROPN
ajeer-194	275	5	foundation	foundation	PROPN
ajeer-194	275	6	.	.	PUNCT
ajeer-194	276	1	savings	saving	NOUN
ajeer-194	276	2	and	and	CCONJ
ajeer-194	276	3	development	development	NOUN
ajeer-194	276	4	,	,	PUNCT
ajeer-194	276	5	13(4	13(4	NUM
ajeer-194	276	6	):	):	PUNCT
ajeer-194	276	7	391	391	NUM
ajeer-194	276	8	-	-	SYM
ajeer-194	276	9	400	400	NUM
ajeer-194	276	10	.	.	PUNCT
ajeer-194	277	1	ozcan	ozcan	PROPN
ajeer-194	277	2	,	,	PUNCT
ajeer-194	277	3	k.m	k.m	PROPN
ajeer-194	277	4	.	.	PROPN
ajeer-194	277	5	,	,	PUNCT
ajeer-194	277	6	a.	a.	PROPN
ajeer-194	277	7	gunay	gunay	PROPN
ajeer-194	277	8	and	and	CCONJ
ajeer-194	277	9	s.	s.	PROPN
ajeer-194	277	10	ertac	ertac	PROPN
ajeer-194	277	11	,	,	PUNCT
ajeer-194	277	12	2003	2003	NUM
ajeer-194	277	13	.	.	PUNCT
ajeer-194	278	1	determinants	determinant	NOUN
ajeer-194	278	2	of	of	ADP
ajeer-194	278	3	private	private	ADJ
ajeer-194	278	4	savings	saving	NOUN
ajeer-194	278	5	behaviour	behaviour	NOUN
ajeer-194	278	6	in	in	ADP
ajeer-194	278	7	turkey	turkey	PROPN
ajeer-194	278	8	.	.	PUNCT
ajeer-194	279	1	applied	apply	VERB
ajeer-194	279	2	economics	economic	NOUN
ajeer-194	279	3	,	,	PUNCT
ajeer-194	279	4	35(12	35(12	NUM
ajeer-194	279	5	):	):	PUNCT
ajeer-194	279	6	1405	1405	NUM
ajeer-194	279	7	-	-	SYM
ajeer-194	279	8	1416	1416	NUM
ajeer-194	279	9	.	.	PUNCT
ajeer-194	280	1	sarantis	sarantis	PROPN
ajeer-194	280	2	,	,	PUNCT
ajeer-194	280	3	n.	n.	PROPN
ajeer-194	280	4	and	and	CCONJ
ajeer-194	280	5	s.	s.	PROPN
ajeer-194	280	6	chris	chris	PROPN
ajeer-194	280	7	,	,	PUNCT
ajeer-194	280	8	2001	2001	NUM
ajeer-194	280	9	.	.	PUNCT
ajeer-194	281	1	saving	save	VERB
ajeer-194	281	2	behaviour	behaviour	NOUN
ajeer-194	281	3	in	in	ADP
ajeer-194	281	4	oecd	oecd	PROPN
ajeer-194	281	5	countries	country	NOUN
ajeer-194	281	6	:	:	PUNCT
ajeer-194	281	7	evidence	evidence	NOUN
ajeer-194	281	8	from	from	ADP
ajeer-194	281	9	panel	panel	NOUN
ajeer-194	281	10	cointegration	cointegration	NOUN
ajeer-194	281	11	tests	test	NOUN
ajeer-194	281	12	.	.	PUNCT
ajeer-194	282	1	the	the	DET
ajeer-194	282	2	manchester	manchester	PROPN
ajeer-194	282	3	school	school	PROPN
ajeer-194	282	4	supplement	supplement	NOUN
ajeer-194	282	5	,	,	PUNCT
ajeer-194	282	6	69(s1	69(s1	NUM
ajeer-194	282	7	):	):	PUNCT
ajeer-194	282	8	22	22	NUM
ajeer-194	282	9	-	-	SYM
ajeer-194	282	10	41	41	NUM
ajeer-194	282	11	.	.	PUNCT
ajeer-194	283	1	bibliography	bibliography	NOUN
ajeer-194	283	2	friedman	friedman	PROPN
ajeer-194	283	3	,	,	PUNCT
ajeer-194	283	4	m.	m.	NOUN
ajeer-194	283	5	and	and	CCONJ
ajeer-194	283	6	l.j	l.j	PROPN
ajeer-194	283	7	.	.	PROPN
ajeer-194	283	8	savage	savage	NOUN
ajeer-194	283	9	,	,	PUNCT
ajeer-194	283	10	1984	1984	NUM
ajeer-194	283	11	.	.	PUNCT
ajeer-194	284	1	the	the	DET
ajeer-194	284	2	utility	utility	NOUN
ajeer-194	284	3	analysis	analysis	NOUN
ajeer-194	284	4	of	of	ADP
ajeer-194	284	5	choice	choice	NOUN
ajeer-194	284	6	involving	involve	VERB
ajeer-194	284	7	risk	risk	NOUN
ajeer-194	284	8	.	.	PUNCT
ajeer-194	285	1	the	the	DET
ajeer-194	285	2	journal	journal	NOUN
ajeer-194	285	3	of	of	ADP
ajeer-194	285	4	political	political	ADJ
ajeer-194	285	5	economy	economy	NOUN
ajeer-194	285	6	,	,	PUNCT
ajeer-194	285	7	56(4	56(4	NUM
ajeer-194	285	8	):	):	PUNCT
ajeer-194	285	9	270	270	NUM
ajeer-194	285	10	-	-	SYM
ajeer-194	285	11	304	304	NUM
ajeer-194	285	12	.	.	PUNCT
ajeer-194	286	1	kiiza	kiiza	PROPN
ajeer-194	286	2	,	,	PUNCT
ajeer-194	286	3	b.	b.	PROPN
ajeer-194	286	4	and	and	CCONJ
ajeer-194	286	5	g.	g.	PROPN
ajeer-194	286	6	pederson	pederson	PROPN
ajeer-194	286	7	,	,	PUNCT
ajeer-194	286	8	2011	2011	NUM
ajeer-194	286	9	.	.	PUNCT
ajeer-194	287	1	household	household	NOUN
ajeer-194	287	2	financial	financial	ADJ
ajeer-194	287	3	savings	saving	NOUN
ajeer-194	287	4	mobilization	mobilization	NOUN
ajeer-194	287	5	:	:	PUNCT
ajeer-194	287	6	empirical	empirical	ADJ
ajeer-194	287	7	evidence	evidence	NOUN
ajeer-194	287	8	from	from	ADP
ajeer-194	287	9	uganda	uganda	PROPN
ajeer-194	287	10	.	.	PUNCT
ajeer-194	288	1	journal	journal	PROPN
ajeer-194	288	2	of	of	ADP
ajeer-194	288	3	african	african	ADJ
ajeer-194	288	4	economics	economic	NOUN
ajeer-194	288	5	,	,	PUNCT
ajeer-194	288	6	10(4	10(4	NUM
ajeer-194	288	7	):	):	PUNCT
ajeer-194	288	8	390	390	NUM
ajeer-194	288	9	-	-	SYM
ajeer-194	288	10	409	409	NUM
ajeer-194	288	11	.	.	PUNCT
ajeer-194	289	1	views	view	NOUN
ajeer-194	289	2	and	and	CCONJ
ajeer-194	289	3	opinions	opinion	NOUN
ajeer-194	289	4	expressed	express	VERB
ajeer-194	289	5	in	in	ADP
ajeer-194	289	6	this	this	DET
ajeer-194	289	7	article	article	NOUN
ajeer-194	289	8	are	be	AUX
ajeer-194	289	9	the	the	DET
ajeer-194	289	10	views	view	NOUN
ajeer-194	289	11	and	and	CCONJ
ajeer-194	289	12	opinions	opinion	NOUN
ajeer-194	289	13	of	of	ADP
ajeer-194	289	14	the	the	DET
ajeer-194	289	15	authors	author	NOUN
ajeer-194	289	16	,	,	PUNCT
ajeer-194	289	17	asian	asian	ADJ
ajeer-194	289	18	journal	journal	NOUN
ajeer-194	289	19	of	of	ADP
ajeer-194	289	20	economics	economic	NOUN
ajeer-194	289	21	and	and	CCONJ
ajeer-194	289	22	empirical	empirical	ADJ
ajeer-194	289	23	research	research	NOUN
ajeer-194	289	24	shall	shall	AUX
ajeer-194	289	25	not	not	PART
ajeer-194	289	26	be	be	AUX
ajeer-194	289	27	responsible	responsible	ADJ
ajeer-194	289	28	or	or	CCONJ
ajeer-194	289	29	answerable	answerable	ADJ
ajeer-194	289	30	for	for	ADP
ajeer-194	289	31	any	any	DET
ajeer-194	289	32	loss	loss	NOUN
ajeer-194	289	33	,	,	PUNCT
ajeer-194	289	34	damage	damage	NOUN
ajeer-194	289	35	or	or	CCONJ
ajeer-194	289	36	liability	liability	NOUN
ajeer-194	289	37	etc	etc	X
ajeer-194	289	38	.	.	X
ajeer-194	290	1	caused	cause	VERB
ajeer-194	290	2	in	in	ADP
ajeer-194	290	3	relation	relation	NOUN
ajeer-194	290	4	to	to	PART
ajeer-194	290	5	/	/	PUNCT
ajeer-194	290	6	arising	arise	VERB
ajeer-194	290	7	out	out	ADP
ajeer-194	290	8	of	of	ADP
ajeer-194	290	9	the	the	DET
ajeer-194	290	10	use	use	NOUN
ajeer-194	290	11	of	of	ADP
ajeer-194	290	12	the	the	DET
ajeer-194	290	13	content	content	NOUN
ajeer-194	290	14	.	.	PUNCT