id	sid	tid	token	lemma	pos
ajeer-205	1	1	asian	asian	PROPN
ajeer-205	1	2	journal	journal	PROPN
ajeer-205	1	3	of	of	ADP
ajeer-205	1	4	economics	economic	NOUN
ajeer-205	1	5	and	and	CCONJ
ajeer-205	1	6	empirical	empirical	ADJ
ajeer-205	1	7	research	research	NOUN
ajeer-205	1	8	issn	issn	NOUN
ajeer-205	1	9	:	:	PUNCT
ajeer-205	1	10	2409	2409	NUM
ajeer-205	1	11	-	-	SYM
ajeer-205	1	12	2622	2622	NUM
ajeer-205	1	13	vol	vol	NOUN
ajeer-205	1	14	.	.	PUNCT
ajeer-205	2	1	3	3	NUM
ajeer-205	2	2	,	,	PUNCT
ajeer-205	2	3	no	no	INTJ
ajeer-205	2	4	.	.	NOUN
ajeer-205	2	5	1	1	NUM
ajeer-205	2	6	,	,	PUNCT
ajeer-205	2	7	6	6	NUM
ajeer-205	2	8	-	-	SYM
ajeer-205	2	9	10	10	NUM
ajeer-205	2	10	,	,	PUNCT
ajeer-205	2	11	2016	2016	NUM
ajeer-205	2	12	http://asianonlinejournals.com/index.php/ajeer	http://asianonlinejournals.com/index.php/ajeer	NOUN
ajeer-205	2	13	6	6	NUM
ajeer-205	2	14	determinants	determinant	NOUN
ajeer-205	2	15	of	of	ADP
ajeer-205	2	16	demand	demand	NOUN
ajeer-205	2	17	for	for	ADP
ajeer-205	2	18	credit	credit	NOUN
ajeer-205	2	19	:	:	PUNCT
ajeer-205	2	20	a	a	DET
ajeer-205	2	21	conceptual	conceptual	ADJ
ajeer-205	2	22	review	review	NOUN
ajeer-205	2	23	yusuf	yusuf	PROPN
ajeer-205	2	24	ibrahim	ibrahim	PROPN
ajeer-205	2	25	kofarmata1	kofarmata1	PROPN
ajeer-205	3	1			PROPN
ajeer-205	3	2	shri	shri	PROPN
ajeer-205	3	3	dewi	dewi	PROPN
ajeer-205	3	4	applanaidu2	applanaidu2	PROPN
ajeer-205	3	5	sallahuddin	sallahuddin	VERB
ajeer-205	3	6	hassan3	hassan3	PROPN
ajeer-205	3	7	1	1	NUM
ajeer-205	3	8	department	department	NOUN
ajeer-205	3	9	of	of	ADP
ajeer-205	3	10	economics	economic	NOUN
ajeer-205	3	11	and	and	CCONJ
ajeer-205	3	12	agribusiness	agribusiness	NOUN
ajeer-205	3	13	,	,	PUNCT
ajeer-205	3	14	universiti	universiti	NOUN
ajeer-205	3	15	utara	utara	NOUN
ajeer-205	3	16	,	,	PUNCT
ajeer-205	3	17	malaysia	malaysia	PROPN
ajeer-205	3	18	;	;	PUNCT
ajeer-205	3	19	lecturer	lecturer	NOUN
ajeer-205	3	20	,	,	PUNCT
ajeer-205	3	21	department	department	NOUN
ajeer-205	3	22	of	of	ADP
ajeer-205	3	23	economics	economic	NOUN
ajeer-205	3	24	,	,	PUNCT
ajeer-205	3	25	northwest	northwest	PROPN
ajeer-205	3	26	university	university	PROPN
ajeer-205	3	27	,	,	PUNCT
ajeer-205	3	28	kano	kano	PROPN
ajeer-205	3	29	-	-	PROPN
ajeer-205	3	30	nigeria	nigeria	PROPN
ajeer-205	3	31	2	2	NUM
ajeer-205	3	32	department	department	NOUN
ajeer-205	3	33	of	of	ADP
ajeer-205	3	34	economics	economic	NOUN
ajeer-205	3	35	and	and	CCONJ
ajeer-205	3	36	agribusiness	agribusiness	NOUN
ajeer-205	3	37	,	,	PUNCT
ajeer-205	3	38	universiti	universiti	NOUN
ajeer-205	3	39	utara	utara	NOUN
ajeer-205	3	40	,	,	PUNCT
ajeer-205	3	41	malaysia	malaysia	PROPN
ajeer-205	3	42	3	3	NUM
ajeer-205	3	43	department	department	NOUN
ajeer-205	3	44	of	of	ADP
ajeer-205	3	45	economics	economic	NOUN
ajeer-205	3	46	and	and	CCONJ
ajeer-205	3	47	agribusiness	agribusiness	NOUN
ajeer-205	3	48	,	,	PUNCT
ajeer-205	3	49	universiti	universiti	NOUN
ajeer-205	3	50	utara	utara	NOUN
ajeer-205	3	51	,	,	PUNCT
ajeer-205	3	52	malaysia	malaysia	PROPN
ajeer-205	3	53	(	(	PUNCT
ajeer-205	3	54			PROPN
ajeer-205	3	55	corresponding	correspond	VERB
ajeer-205	3	56	author	author	NOUN
ajeer-205	3	57	)	)	PUNCT
ajeer-205	4	1	abstract	abstract	ADV
ajeer-205	5	1	it	it	PRON
ajeer-205	5	2	is	be	AUX
ajeer-205	5	3	generally	generally	ADV
ajeer-205	5	4	agreed	agree	VERB
ajeer-205	5	5	among	among	ADP
ajeer-205	5	6	the	the	DET
ajeer-205	5	7	researchers	researcher	NOUN
ajeer-205	5	8	that	that	PRON
ajeer-205	5	9	farm	farm	NOUN
ajeer-205	5	10	credit	credit	NOUN
ajeer-205	5	11	has	have	VERB
ajeer-205	5	12	significant	significant	ADJ
ajeer-205	5	13	positive	positive	ADJ
ajeer-205	5	14	impact	impact	NOUN
ajeer-205	5	15	on	on	ADP
ajeer-205	5	16	agricultural	agricultural	ADJ
ajeer-205	5	17	production	production	NOUN
ajeer-205	5	18	that	that	PRON
ajeer-205	5	19	would	would	AUX
ajeer-205	5	20	increase	increase	VERB
ajeer-205	5	21	the	the	DET
ajeer-205	5	22	farming	farming	NOUN
ajeer-205	5	23	output	output	NOUN
ajeer-205	5	24	.	.	PUNCT
ajeer-205	6	1	in	in	ADP
ajeer-205	6	2	fact	fact	NOUN
ajeer-205	6	3	,	,	PUNCT
ajeer-205	6	4	the	the	DET
ajeer-205	6	5	rising	rise	VERB
ajeer-205	6	6	cereal	cereal	NOUN
ajeer-205	6	7	production	production	NOUN
ajeer-205	6	8	were	be	AUX
ajeer-205	6	9	more	more	ADV
ajeer-205	6	10	related	related	ADJ
ajeer-205	6	11	to	to	ADP
ajeer-205	6	12	farm	farm	NOUN
ajeer-205	6	13	inputs	input	NOUN
ajeer-205	6	14	that	that	PRON
ajeer-205	6	15	may	may	AUX
ajeer-205	6	16	be	be	AUX
ajeer-205	6	17	acquired	acquire	VERB
ajeer-205	6	18	through	through	ADP
ajeer-205	6	19	agricultural	agricultural	ADJ
ajeer-205	6	20	credit	credit	NOUN
ajeer-205	6	21	.	.	PUNCT
ajeer-205	7	1	in	in	ADP
ajeer-205	7	2	view	view	NOUN
ajeer-205	7	3	of	of	ADP
ajeer-205	7	4	that	that	PRON
ajeer-205	7	5	,	,	PUNCT
ajeer-205	7	6	this	this	DET
ajeer-205	7	7	article	article	NOUN
ajeer-205	7	8	synthesizes	synthesize	VERB
ajeer-205	7	9	and	and	CCONJ
ajeer-205	7	10	reviews	review	VERB
ajeer-205	7	11	different	different	ADJ
ajeer-205	7	12	field	field	NOUN
ajeer-205	7	13	studies	study	NOUN
ajeer-205	7	14	on	on	ADP
ajeer-205	7	15	the	the	DET
ajeer-205	7	16	determinants	determinant	NOUN
ajeer-205	7	17	of	of	ADP
ajeer-205	7	18	demand	demand	NOUN
ajeer-205	7	19	for	for	ADP
ajeer-205	7	20	credit	credit	NOUN
ajeer-205	7	21	.	.	PUNCT
ajeer-205	8	1	moreover	moreover	ADV
ajeer-205	8	2	,	,	PUNCT
ajeer-205	8	3	it	it	PRON
ajeer-205	8	4	is	be	AUX
ajeer-205	8	5	clear	clear	ADJ
ajeer-205	8	6	from	from	ADP
ajeer-205	8	7	the	the	DET
ajeer-205	8	8	reviewed	review	VERB
ajeer-205	8	9	studies	study	NOUN
ajeer-205	8	10	that	that	SCONJ
ajeer-205	8	11	different	different	ADJ
ajeer-205	8	12	models	model	NOUN
ajeer-205	8	13	have	have	AUX
ajeer-205	8	14	been	be	AUX
ajeer-205	8	15	used	use	VERB
ajeer-205	8	16	in	in	ADP
ajeer-205	8	17	examining	examine	VERB
ajeer-205	8	18	the	the	DET
ajeer-205	8	19	factors	factor	NOUN
ajeer-205	8	20	that	that	PRON
ajeer-205	8	21	determine	determine	VERB
ajeer-205	8	22	the	the	DET
ajeer-205	8	23	demand	demand	NOUN
ajeer-205	8	24	for	for	ADP
ajeer-205	8	25	credit	credit	NOUN
ajeer-205	8	26	.	.	PUNCT
ajeer-205	9	1	however	however	ADV
ajeer-205	9	2	,	,	PUNCT
ajeer-205	9	3	most	most	ADJ
ajeer-205	9	4	of	of	ADP
ajeer-205	9	5	the	the	DET
ajeer-205	9	6	findings	finding	NOUN
ajeer-205	9	7	are	be	AUX
ajeer-205	9	8	inconclusive	inconclusive	ADJ
ajeer-205	9	9	,	,	PUNCT
ajeer-205	9	10	due	due	ADP
ajeer-205	9	11	to	to	ADP
ajeer-205	9	12	the	the	DET
ajeer-205	9	13	contextual	contextual	ADJ
ajeer-205	9	14	,	,	PUNCT
ajeer-205	9	15	geographical	geographical	ADJ
ajeer-205	9	16	,	,	PUNCT
ajeer-205	9	17	socio	socio	NOUN
ajeer-205	9	18	-	-	PUNCT
ajeer-205	9	19	economic	economic	ADJ
ajeer-205	9	20	,	,	PUNCT
ajeer-205	9	21	environmental	environmental	ADJ
ajeer-205	9	22	and	and	CCONJ
ajeer-205	9	23	other	other	ADJ
ajeer-205	9	24	variations	variation	NOUN
ajeer-205	9	25	across	across	ADP
ajeer-205	9	26	the	the	DET
ajeer-205	9	27	study	study	NOUN
ajeer-205	9	28	areas	area	NOUN
ajeer-205	9	29	.	.	PUNCT
ajeer-205	10	1	based	base	VERB
ajeer-205	10	2	on	on	ADP
ajeer-205	10	3	that	that	PRON
ajeer-205	10	4	,	,	PUNCT
ajeer-205	10	5	the	the	DET
ajeer-205	10	6	paper	paper	NOUN
ajeer-205	10	7	call	call	VERB
ajeer-205	10	8	the	the	DET
ajeer-205	10	9	need	need	NOUN
ajeer-205	10	10	for	for	ADP
ajeer-205	10	11	more	more	ADV
ajeer-205	10	12	empirical	empirical	ADJ
ajeer-205	10	13	studies	study	NOUN
ajeer-205	10	14	on	on	ADP
ajeer-205	10	15	the	the	DET
ajeer-205	10	16	determinants	determinant	NOUN
ajeer-205	10	17	of	of	ADP
ajeer-205	10	18	demand	demand	NOUN
ajeer-205	10	19	for	for	ADP
ajeer-205	10	20	credit	credit	NOUN
ajeer-205	10	21	for	for	ADP
ajeer-205	10	22	a	a	DET
ajeer-205	10	23	specific	specific	ADJ
ajeer-205	10	24	region	region	NOUN
ajeer-205	10	25	for	for	ADP
ajeer-205	10	26	better	well	ADJ
ajeer-205	10	27	policy	policy	NOUN
ajeer-205	10	28	that	that	PRON
ajeer-205	10	29	may	may	AUX
ajeer-205	10	30	be	be	AUX
ajeer-205	10	31	suitable	suitable	ADJ
ajeer-205	10	32	for	for	ADP
ajeer-205	10	33	that	that	DET
ajeer-205	10	34	particular	particular	ADJ
ajeer-205	10	35	region	region	NOUN
ajeer-205	10	36	.	.	PUNCT
ajeer-205	11	1	this	this	PRON
ajeer-205	11	2	has	have	VERB
ajeer-205	11	3	important	important	ADJ
ajeer-205	11	4	implications	implication	NOUN
ajeer-205	11	5	on	on	ADP
ajeer-205	11	6	agricultural	agricultural	ADJ
ajeer-205	11	7	production	production	NOUN
ajeer-205	11	8	in	in	ADP
ajeer-205	11	9	general	general	ADJ
ajeer-205	11	10	and	and	CCONJ
ajeer-205	11	11	farm	farm	NOUN
ajeer-205	11	12	credit	credit	NOUN
ajeer-205	11	13	in	in	ADP
ajeer-205	11	14	particular	particular	ADJ
ajeer-205	11	15	,	,	PUNCT
ajeer-205	11	16	especially	especially	ADV
ajeer-205	11	17	for	for	ADP
ajeer-205	11	18	developing	develop	VERB
ajeer-205	11	19	economies	economy	NOUN
ajeer-205	11	20	.	.	PUNCT
ajeer-205	12	1	keywords	keyword	NOUN
ajeer-205	12	2	:	:	PUNCT
ajeer-205	12	3	agricultural	agricultural	ADJ
ajeer-205	12	4	production	production	NOUN
ajeer-205	12	5	,	,	PUNCT
ajeer-205	12	6	credit	credit	NOUN
ajeer-205	12	7	,	,	PUNCT
ajeer-205	12	8	determinants	determinant	NOUN
ajeer-205	12	9	,	,	PUNCT
ajeer-205	12	10	demand	demand	NOUN
ajeer-205	12	11	,	,	PUNCT
ajeer-205	12	12	farming	farming	NOUN
ajeer-205	12	13	.	.	PUNCT
ajeer-205	13	1	contents	content	NOUN
ajeer-205	13	2	1	1	NUM
ajeer-205	13	3	.	.	PUNCT
ajeer-205	14	1	introduction	introduction	NOUN
ajeer-205	14	2	...........................................................................................................................................................................	...........................................................................................................................................................................	PUNCT
ajeer-205	14	3	7	7	NUM
ajeer-205	14	4	2	2	NUM
ajeer-205	14	5	.	.	PUNCT
ajeer-205	14	6	literature	literature	NOUN
ajeer-205	14	7	review	review	NOUN
ajeer-205	14	8	and	and	CCONJ
ajeer-205	14	9	empirical	empirical	ADJ
ajeer-205	14	10	frameworks	framework	NOUN
ajeer-205	14	11	....................................................................................................................	....................................................................................................................	PUNCT
ajeer-205	14	12	7	7	NUM
ajeer-205	14	13	3	3	NUM
ajeer-205	14	14	.	.	PUNCT
ajeer-205	14	15	conclusion	conclusion	NOUN
ajeer-205	14	16	..............................................................................................................................................................................	..............................................................................................................................................................................	PUNCT
ajeer-205	14	17	9	9	NUM
ajeer-205	14	18	references	reference	NOUN
ajeer-205	14	19	..................................................................................................................................................................................	..................................................................................................................................................................................	PUNCT
ajeer-205	14	20	9	9	NUM
ajeer-205	14	21	citation	citation	NOUN
ajeer-205	15	1	|	|	ADV
ajeer-205	15	2	yusuf	yusuf	PROPN
ajeer-205	15	3	ibrahim	ibrahim	PROPN
ajeer-205	15	4	kofarmata	kofarmata	PROPN
ajeer-205	15	5	;	;	PUNCT
ajeer-205	15	6	shri	shri	PROPN
ajeer-205	15	7	dewi	dewi	PROPN
ajeer-205	15	8	applanaidu	applanaidu	ADV
ajeer-205	15	9	;	;	PUNCT
ajeer-205	15	10	sallahuddin	sallahuddin	VERB
ajeer-205	15	11	hassan	hassan	PROPN
ajeer-205	15	12	(	(	PUNCT
ajeer-205	15	13	2016	2016	NUM
ajeer-205	15	14	)	)	PUNCT
ajeer-205	15	15	.	.	PUNCT
ajeer-205	16	1	determinants	determinant	NOUN
ajeer-205	16	2	of	of	ADP
ajeer-205	16	3	demand	demand	NOUN
ajeer-205	16	4	for	for	ADP
ajeer-205	16	5	credit	credit	NOUN
ajeer-205	16	6	:	:	PUNCT
ajeer-205	16	7	a	a	DET
ajeer-205	16	8	conceptual	conceptual	ADJ
ajeer-205	16	9	review	review	NOUN
ajeer-205	16	10	.	.	PUNCT
ajeer-205	17	1	asian	asian	ADJ
ajeer-205	17	2	journal	journal	PROPN
ajeer-205	17	3	of	of	ADP
ajeer-205	17	4	economics	economic	NOUN
ajeer-205	17	5	and	and	CCONJ
ajeer-205	17	6	empirical	empirical	ADJ
ajeer-205	17	7	research	research	NOUN
ajeer-205	17	8	,	,	PUNCT
ajeer-205	17	9	3(1	3(1	NUM
ajeer-205	17	10	):	):	PUNCT
ajeer-205	17	11	6	6	NUM
ajeer-205	17	12	-	-	SYM
ajeer-205	17	13	10	10	NUM
ajeer-205	17	14	.	.	PUNCT
ajeer-205	18	1	doi	doi	NOUN
ajeer-205	18	2	:	:	PUNCT
ajeer-205	18	3	10.20448	10.20448	NUM
ajeer-205	18	4	/	/	SYM
ajeer-205	18	5	journal.501/2016.3.1/501.1.6.10	journal.501/2016.3.1/501.1.6.10	PROPN
ajeer-205	18	6	issn	issn	X
ajeer-205	18	7	(	(	PUNCT
ajeer-205	18	8	e	e	NOUN
ajeer-205	18	9	):	):	PUNCT
ajeer-205	18	10	issn	issn	PROPN
ajeer-205	18	11	(	(	PUNCT
ajeer-205	18	12	p	p	NOUN
ajeer-205	18	13	):	):	PUNCT
ajeer-205	18	14	2409	2409	NUM
ajeer-205	18	15	-	-	SYM
ajeer-205	18	16	2622	2622	NUM
ajeer-205	18	17	2518	2518	NUM
ajeer-205	18	18	-	-	PUNCT
ajeer-205	18	19	010x	010x	NOUN
ajeer-205	18	20	licensed	license	VERB
ajeer-205	18	21	:	:	PUNCT
ajeer-205	18	22	this	this	DET
ajeer-205	18	23	work	work	NOUN
ajeer-205	18	24	is	be	AUX
ajeer-205	18	25	licensed	license	VERB
ajeer-205	18	26	under	under	ADP
ajeer-205	18	27	a	a	DET
ajeer-205	18	28	creative	creative	ADJ
ajeer-205	18	29	commons	common	NOUN
ajeer-205	18	30	attribution	attribution	NOUN
ajeer-205	18	31	3.0	3.0	NUM
ajeer-205	18	32	license	license	NOUN
ajeer-205	18	33	contribution	contribution	NOUN
ajeer-205	18	34	/	/	SYM
ajeer-205	18	35	acknowledgement	acknowledgement	NOUN
ajeer-205	18	36	:	:	PUNCT
ajeer-205	18	37	all	all	DET
ajeer-205	18	38	authors	author	NOUN
ajeer-205	18	39	contributed	contribute	VERB
ajeer-205	18	40	to	to	ADP
ajeer-205	18	41	the	the	DET
ajeer-205	18	42	conception	conception	NOUN
ajeer-205	18	43	and	and	CCONJ
ajeer-205	18	44	design	design	NOUN
ajeer-205	18	45	of	of	ADP
ajeer-205	18	46	the	the	DET
ajeer-205	18	47	study	study	NOUN
ajeer-205	18	48	.	.	PUNCT
ajeer-205	19	1	funding	funding	NOUN
ajeer-205	19	2	:	:	PUNCT
ajeer-205	19	3	this	this	DET
ajeer-205	19	4	study	study	NOUN
ajeer-205	19	5	received	receive	VERB
ajeer-205	19	6	no	no	DET
ajeer-205	19	7	specific	specific	ADJ
ajeer-205	19	8	financial	financial	ADJ
ajeer-205	19	9	support	support	NOUN
ajeer-205	19	10	competing	compete	VERB
ajeer-205	19	11	interests	interest	NOUN
ajeer-205	19	12	:	:	PUNCT
ajeer-205	19	13	the	the	DET
ajeer-205	19	14	authors	author	NOUN
ajeer-205	19	15	declare	declare	VERB
ajeer-205	19	16	that	that	SCONJ
ajeer-205	19	17	they	they	PRON
ajeer-205	19	18	have	have	VERB
ajeer-205	19	19	no	no	DET
ajeer-205	19	20	conflict	conflict	NOUN
ajeer-205	19	21	of	of	ADP
ajeer-205	19	22	interests	interest	NOUN
ajeer-205	19	23	.	.	PUNCT
ajeer-205	20	1	transparency	transparency	NOUN
ajeer-205	20	2	:	:	PUNCT
ajeer-205	20	3	the	the	DET
ajeer-205	20	4	authors	author	NOUN
ajeer-205	20	5	confirm	confirm	VERB
ajeer-205	20	6	that	that	SCONJ
ajeer-205	20	7	the	the	DET
ajeer-205	20	8	manuscript	manuscript	NOUN
ajeer-205	20	9	is	be	AUX
ajeer-205	20	10	an	an	DET
ajeer-205	20	11	honest	honest	ADJ
ajeer-205	20	12	,	,	PUNCT
ajeer-205	20	13	accurate	accurate	ADJ
ajeer-205	20	14	,	,	PUNCT
ajeer-205	20	15	and	and	CCONJ
ajeer-205	20	16	transparent	transparent	ADJ
ajeer-205	20	17	account	account	NOUN
ajeer-205	20	18	of	of	ADP
ajeer-205	20	19	the	the	DET
ajeer-205	20	20	study	study	NOUN
ajeer-205	20	21	was	be	AUX
ajeer-205	20	22	reported	report	VERB
ajeer-205	20	23	;	;	PUNCT
ajeer-205	20	24	that	that	SCONJ
ajeer-205	20	25	no	no	DET
ajeer-205	20	26	vital	vital	ADJ
ajeer-205	20	27	features	feature	NOUN
ajeer-205	20	28	of	of	ADP
ajeer-205	20	29	the	the	DET
ajeer-205	20	30	study	study	NOUN
ajeer-205	20	31	have	have	AUX
ajeer-205	20	32	been	be	AUX
ajeer-205	20	33	omitted	omit	VERB
ajeer-205	20	34	;	;	PUNCT
ajeer-205	20	35	and	and	CCONJ
ajeer-205	20	36	that	that	SCONJ
ajeer-205	20	37	any	any	DET
ajeer-205	20	38	discrepancies	discrepancy	NOUN
ajeer-205	20	39	from	from	ADP
ajeer-205	20	40	the	the	DET
ajeer-205	20	41	study	study	NOUN
ajeer-205	20	42	as	as	SCONJ
ajeer-205	20	43	planned	plan	VERB
ajeer-205	20	44	have	have	AUX
ajeer-205	20	45	been	be	AUX
ajeer-205	20	46	explained	explain	VERB
ajeer-205	20	47	ethical	ethical	ADJ
ajeer-205	20	48	:	:	PUNCT
ajeer-205	20	49	history	history	NOUN
ajeer-205	20	50	:	:	PUNCT
ajeer-205	20	51	this	this	DET
ajeer-205	20	52	study	study	NOUN
ajeer-205	20	53	follows	follow	VERB
ajeer-205	20	54	all	all	DET
ajeer-205	20	55	ethical	ethical	ADJ
ajeer-205	20	56	practices	practice	NOUN
ajeer-205	20	57	during	during	ADP
ajeer-205	20	58	writing	writing	NOUN
ajeer-205	20	59	.	.	PUNCT
ajeer-205	21	1	received	receive	VERB
ajeer-205	21	2	:	:	PUNCT
ajeer-205	21	3	28	28	NUM
ajeer-205	21	4	november	november	PROPN
ajeer-205	21	5	2015/	2015/	NUM
ajeer-205	21	6	revised	revise	VERB
ajeer-205	21	7	:	:	PUNCT
ajeer-205	21	8	13	13	NUM
ajeer-205	21	9	december	december	PROPN
ajeer-205	21	10	2015/	2015/	NUM
ajeer-205	21	11	accepted	accept	VERB
ajeer-205	21	12	:	:	PUNCT
ajeer-205	21	13	17	17	NUM
ajeer-205	21	14	december	december	PROPN
ajeer-205	21	15	2015/	2015/	NUM
ajeer-205	21	16	published	publish	VERB
ajeer-205	21	17	:	:	PUNCT
ajeer-205	21	18	21	21	NUM
ajeer-205	21	19	december	december	PROPN
ajeer-205	21	20	2015	2015	NUM
ajeer-205	21	21	publisher	publisher	NOUN
ajeer-205	21	22	:	:	PUNCT
ajeer-205	21	23	asian	asian	ADJ
ajeer-205	21	24	online	online	PROPN
ajeer-205	21	25	journal	journal	PROPN
ajeer-205	21	26	publishing	publishing	NOUN
ajeer-205	21	27	group	group	PROPN
ajeer-205	21	28	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajeer-205	21	29	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.501/2016.3.1/501.1.6.10	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.501/2016.3.1/501.1.6.10	PROPN
ajeer-205	21	30	http://search.crossref.org/?q=10.20448/journal.501/2016.3.1/501.1.6.10	http://search.crossref.org/?q=10.20448/journal.501/2016.3.1/501.1.6.10	PROPN
ajeer-205	21	31	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.501/2016.3.1/501.1.6.10	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.501/2016.3.1/501.1.6.10	PROPN
ajeer-205	21	32	http://search.crossref.org/?q=10.20448/journal.501/2016.3.1/501.1.6.10	http://search.crossref.org/?q=10.20448/journal.501/2016.3.1/501.1.6.10	PROPN
ajeer-205	21	33	asian	asian	PROPN
ajeer-205	21	34	journal	journal	PROPN
ajeer-205	21	35	of	of	ADP
ajeer-205	21	36	economics	economic	NOUN
ajeer-205	21	37	and	and	CCONJ
ajeer-205	21	38	empirical	empirical	ADJ
ajeer-205	21	39	research	research	NOUN
ajeer-205	21	40	,	,	PUNCT
ajeer-205	21	41	2016	2016	NUM
ajeer-205	21	42	,	,	PUNCT
ajeer-205	21	43	3(1	3(1	NUM
ajeer-205	21	44	):	):	PUNCT
ajeer-205	21	45	6	6	NUM
ajeer-205	21	46	-	-	SYM
ajeer-205	21	47	10	10	NUM
ajeer-205	21	48	7	7	NUM
ajeer-205	21	49	1	1	NUM
ajeer-205	21	50	.	.	PUNCT
ajeer-205	22	1	introduction	introduction	NOUN
ajeer-205	22	2	the	the	DET
ajeer-205	22	3	significance	significance	NOUN
ajeer-205	22	4	of	of	ADP
ajeer-205	22	5	credit	credit	NOUN
ajeer-205	22	6	as	as	ADP
ajeer-205	22	7	one	one	NUM
ajeer-205	22	8	of	of	ADP
ajeer-205	22	9	the	the	DET
ajeer-205	22	10	tools	tool	NOUN
ajeer-205	22	11	of	of	ADP
ajeer-205	22	12	production	production	NOUN
ajeer-205	22	13	that	that	PRON
ajeer-205	22	14	has	have	AUX
ajeer-205	22	15	been	be	AUX
ajeer-205	22	16	found	find	VERB
ajeer-205	22	17	to	to	PART
ajeer-205	22	18	spurs	spurs	VERB
ajeer-205	22	19	economic	economic	ADJ
ajeer-205	22	20	growth	growth	NOUN
ajeer-205	22	21	and	and	CCONJ
ajeer-205	22	22	sustainable	sustainable	ADJ
ajeer-205	22	23	development	development	NOUN
ajeer-205	22	24	in	in	ADP
ajeer-205	22	25	rural	rural	ADJ
ajeer-205	22	26	areas	area	NOUN
ajeer-205	22	27	could	could	AUX
ajeer-205	22	28	not	not	PART
ajeer-205	22	29	be	be	AUX
ajeer-205	22	30	over	over	ADV
ajeer-205	22	31	emphasized	emphasize	VERB
ajeer-205	22	32	.	.	PUNCT
ajeer-205	23	1	however	however	ADV
ajeer-205	23	2	,	,	PUNCT
ajeer-205	23	3	according	accord	VERB
ajeer-205	23	4	to	to	ADP
ajeer-205	23	5	tang	tang	PROPN
ajeer-205	23	6	et	et	PROPN
ajeer-205	23	7	al	al	PROPN
ajeer-205	23	8	.	.	PROPN
ajeer-205	23	9	(	(	PUNCT
ajeer-205	23	10	2010	2010	NUM
ajeer-205	23	11	)	)	PUNCT
ajeer-205	23	12	due	due	ADP
ajeer-205	23	13	to	to	ADP
ajeer-205	23	14	the	the	DET
ajeer-205	23	15	high	high	ADJ
ajeer-205	23	16	degree	degree	NOUN
ajeer-205	23	17	of	of	ADP
ajeer-205	23	18	risks	risk	NOUN
ajeer-205	23	19	in	in	ADP
ajeer-205	23	20	particular	particular	ADJ
ajeer-205	23	21	and	and	CCONJ
ajeer-205	23	22	economic	economic	ADJ
ajeer-205	23	23	uncertainties	uncertainty	NOUN
ajeer-205	23	24	associated	associate	VERB
ajeer-205	23	25	with	with	ADP
ajeer-205	23	26	rural	rural	ADJ
ajeer-205	23	27	life	life	NOUN
ajeer-205	23	28	in	in	ADP
ajeer-205	23	29	general	general	ADJ
ajeer-205	23	30	,	,	PUNCT
ajeer-205	23	31	risk	risk	NOUN
ajeer-205	23	32	mitigating	mitigate	VERB
ajeer-205	23	33	components	component	NOUN
ajeer-205	23	34	such	such	ADJ
ajeer-205	23	35	as	as	ADP
ajeer-205	23	36	insurance	insurance	NOUN
ajeer-205	23	37	were	be	AUX
ajeer-205	23	38	missing	miss	VERB
ajeer-205	23	39	or	or	CCONJ
ajeer-205	23	40	completely	completely	ADV
ajeer-205	23	41	absent	absent	ADJ
ajeer-205	23	42	.	.	PUNCT
ajeer-205	24	1	even	even	ADV
ajeer-205	24	2	though	though	ADV
ajeer-205	24	3	,	,	PUNCT
ajeer-205	24	4	rural	rural	ADJ
ajeer-205	24	5	dwellers	dweller	NOUN
ajeer-205	24	6	do	do	AUX
ajeer-205	24	7	help	help	VERB
ajeer-205	24	8	themselves	themselves	PRON
ajeer-205	24	9	in	in	ADP
ajeer-205	24	10	the	the	DET
ajeer-205	24	11	unfortunate	unfortunate	ADJ
ajeer-205	24	12	events	event	NOUN
ajeer-205	24	13	,	,	PUNCT
ajeer-205	24	14	however	however	ADV
ajeer-205	24	15	,	,	PUNCT
ajeer-205	24	16	previous	previous	ADJ
ajeer-205	24	17	studies	study	NOUN
ajeer-205	24	18	persistently	persistently	ADV
ajeer-205	24	19	were	be	AUX
ajeer-205	24	20	unable	unable	ADJ
ajeer-205	24	21	to	to	PART
ajeer-205	24	22	prove	prove	VERB
ajeer-205	24	23	that	that	SCONJ
ajeer-205	24	24	rural	rural	ADJ
ajeer-205	24	25	dwellers	dweller	NOUN
ajeer-205	24	26	are	be	AUX
ajeer-205	24	27	able	able	ADJ
ajeer-205	24	28	to	to	PART
ajeer-205	24	29	insured	insured	VERB
ajeer-205	24	30	each	each	DET
ajeer-205	24	31	other	other	ADJ
ajeer-205	24	32	(	(	PUNCT
ajeer-205	24	33	townsend	townsend	PROPN
ajeer-205	24	34	,	,	PUNCT
ajeer-205	24	35	1994	1994	NUM
ajeer-205	24	36	)	)	PUNCT
ajeer-205	24	37	.	.	PUNCT
ajeer-205	25	1	besides	besides	ADV
ajeer-205	25	2	,	,	PUNCT
ajeer-205	25	3	lack	lack	NOUN
ajeer-205	25	4	of	of	ADP
ajeer-205	25	5	insurance	insurance	NOUN
ajeer-205	25	6	facility	facility	NOUN
ajeer-205	25	7	couple	couple	NOUN
ajeer-205	25	8	with	with	ADP
ajeer-205	25	9	limited	limited	ADJ
ajeer-205	25	10	savings	saving	NOUN
ajeer-205	25	11	have	have	AUX
ajeer-205	25	12	placed	place	VERB
ajeer-205	25	13	small	small	ADJ
ajeer-205	25	14	-	-	PUNCT
ajeer-205	25	15	scale	scale	NOUN
ajeer-205	25	16	rural	rural	ADJ
ajeer-205	25	17	households	household	NOUN
ajeer-205	25	18	vulnerable	vulnerable	ADJ
ajeer-205	25	19	to	to	ADP
ajeer-205	25	20	idiosyncratic	idiosyncratic	ADJ
ajeer-205	25	21	shocks	shock	NOUN
ajeer-205	25	22	and	and	CCONJ
ajeer-205	25	23	several	several	ADJ
ajeer-205	25	24	risks	risk	NOUN
ajeer-205	25	25	(	(	PUNCT
ajeer-205	25	26	tang	tang	X
ajeer-205	25	27	et	et	PROPN
ajeer-205	25	28	al	al	PROPN
ajeer-205	25	29	.	.	PROPN
ajeer-205	25	30	,	,	PUNCT
ajeer-205	25	31	2010	2010	NUM
ajeer-205	25	32	)	)	PUNCT
ajeer-205	25	33	.	.	PUNCT
ajeer-205	26	1	consequently	consequently	ADV
ajeer-205	26	2	,	,	PUNCT
ajeer-205	26	3	credit	credit	NOUN
ajeer-205	26	4	access	access	NOUN
ajeer-205	26	5	is	be	AUX
ajeer-205	26	6	crucial	crucial	ADJ
ajeer-205	26	7	on	on	ADP
ajeer-205	26	8	agricultural	agricultural	ADJ
ajeer-205	26	9	investment	investment	NOUN
ajeer-205	26	10	,	,	PUNCT
ajeer-205	26	11	production	production	NOUN
ajeer-205	26	12	and	and	CCONJ
ajeer-205	26	13	consumption	consumption	NOUN
ajeer-205	26	14	and	and	CCONJ
ajeer-205	26	15	more	more	ADV
ajeer-205	26	16	importantly	importantly	ADV
ajeer-205	26	17	rural	rural	ADJ
ajeer-205	26	18	life	life	NOUN
ajeer-205	26	19	(	(	PUNCT
ajeer-205	26	20	eswaran	eswaran	NOUN
ajeer-205	26	21	and	and	CCONJ
ajeer-205	26	22	kotwal	kotwal	NOUN
ajeer-205	26	23	,	,	PUNCT
ajeer-205	26	24	1990	1990	NUM
ajeer-205	26	25	;	;	PUNCT
ajeer-205	26	26	udry	udry	ADJ
ajeer-205	26	27	,	,	PUNCT
ajeer-205	26	28	1990	1990	NUM
ajeer-205	26	29	)	)	PUNCT
ajeer-205	26	30	.	.	PUNCT
ajeer-205	27	1	agricultural	agricultural	ADJ
ajeer-205	27	2	credit	credit	NOUN
ajeer-205	27	3	supports	support	VERB
ajeer-205	27	4	rural	rural	ADJ
ajeer-205	27	5	communities	community	NOUN
ajeer-205	27	6	in	in	ADP
ajeer-205	27	7	a	a	DET
ajeer-205	27	8	number	number	NOUN
ajeer-205	27	9	of	of	ADP
ajeer-205	27	10	ways	way	NOUN
ajeer-205	27	11	.	.	PUNCT
ajeer-205	28	1	access	access	NOUN
ajeer-205	28	2	to	to	ADP
ajeer-205	28	3	farm	farm	NOUN
ajeer-205	28	4	credit	credit	NOUN
ajeer-205	28	5	increase	increase	VERB
ajeer-205	28	6	the	the	DET
ajeer-205	28	7	capability	capability	NOUN
ajeer-205	28	8	of	of	ADP
ajeer-205	28	9	rural	rural	ADJ
ajeer-205	28	10	farmer	farmer	NOUN
ajeer-205	28	11	with	with	ADP
ajeer-205	28	12	limited	limited	ADJ
ajeer-205	28	13	savings	saving	NOUN
ajeer-205	28	14	to	to	PART
ajeer-205	28	15	meet	meet	VERB
ajeer-205	28	16	his	his	PRON
ajeer-205	28	17	financial	financial	ADJ
ajeer-205	28	18	demand	demand	NOUN
ajeer-205	28	19	for	for	ADP
ajeer-205	28	20	productive	productive	ADJ
ajeer-205	28	21	investments	investment	NOUN
ajeer-205	28	22	and	and	CCONJ
ajeer-205	28	23	farm	farm	NOUN
ajeer-205	28	24	inputs	input	NOUN
ajeer-205	28	25	.	.	PUNCT
ajeer-205	29	1	moreover	moreover	ADV
ajeer-205	29	2	,	,	PUNCT
ajeer-205	29	3	farm	farm	NOUN
ajeer-205	29	4	credit	credit	NOUN
ajeer-205	29	5	encourage	encourage	VERB
ajeer-205	29	6	rural	rural	ADJ
ajeer-205	29	7	farmers	farmer	NOUN
ajeer-205	29	8	to	to	PART
ajeer-205	29	9	accommodate	accommodate	VERB
ajeer-205	29	10	new	new	ADJ
ajeer-205	29	11	farming	farming	NOUN
ajeer-205	29	12	techniques	technique	NOUN
ajeer-205	29	13	by	by	ADP
ajeer-205	29	14	increasing	increase	VERB
ajeer-205	29	15	their	their	PRON
ajeer-205	29	16	capability	capability	NOUN
ajeer-205	29	17	to	to	PART
ajeer-205	29	18	engage	engage	VERB
ajeer-205	29	19	in	in	ADP
ajeer-205	29	20	more	more	ADJ
ajeer-205	29	21	productive	productive	ADJ
ajeer-205	29	22	business	business	NOUN
ajeer-205	29	23	but	but	CCONJ
ajeer-205	29	24	more	more	ADV
ajeer-205	29	25	risky	risky	ADJ
ajeer-205	29	26	(	(	PUNCT
ajeer-205	29	27	carter	carter	NOUN
ajeer-205	29	28	,	,	PUNCT
ajeer-205	29	29	1984	1984	NUM
ajeer-205	29	30	;	;	PUNCT
ajeer-205	29	31	rosenzweig	rosenzweig	NOUN
ajeer-205	29	32	and	and	CCONJ
ajeer-205	29	33	binswanger	binswanger	NOUN
ajeer-205	29	34	,	,	PUNCT
ajeer-205	29	35	1993	1993	NUM
ajeer-205	29	36	)	)	PUNCT
ajeer-205	29	37	.	.	PUNCT
ajeer-205	30	1	similarly	similarly	ADV
ajeer-205	30	2	,	,	PUNCT
ajeer-205	30	3	greater	great	ADJ
ajeer-205	30	4	credit	credit	NOUN
ajeer-205	30	5	access	access	NOUN
ajeer-205	30	6	helps	help	VERB
ajeer-205	30	7	rural	rural	ADJ
ajeer-205	30	8	farmers	farmer	NOUN
ajeer-205	30	9	to	to	PART
ajeer-205	30	10	supplement	supplement	VERB
ajeer-205	30	11	their	their	PRON
ajeer-205	30	12	consumption	consumption	NOUN
ajeer-205	30	13	during	during	ADP
ajeer-205	30	14	the	the	DET
ajeer-205	30	15	economic	economic	ADJ
ajeer-205	30	16	downturn	downturn	NOUN
ajeer-205	30	17	.	.	PUNCT
ajeer-205	31	1	besides	besides	SCONJ
ajeer-205	31	2	,	,	PUNCT
ajeer-205	31	3	empirical	empirical	ADJ
ajeer-205	31	4	studies	study	NOUN
ajeer-205	31	5	has	have	AUX
ajeer-205	31	6	emphasized	emphasize	VERB
ajeer-205	31	7	the	the	DET
ajeer-205	31	8	significance	significance	NOUN
ajeer-205	31	9	of	of	ADP
ajeer-205	31	10	rural	rural	ADJ
ajeer-205	31	11	credit	credit	NOUN
ajeer-205	31	12	in	in	ADP
ajeer-205	31	13	rural	rural	ADJ
ajeer-205	31	14	economies	economy	NOUN
ajeer-205	31	15	.	.	PUNCT
ajeer-205	32	1	in	in	ADP
ajeer-205	32	2	china	china	PROPN
ajeer-205	32	3	,	,	PUNCT
ajeer-205	32	4	feder	feder	PROPN
ajeer-205	32	5	et	et	PROPN
ajeer-205	32	6	al	al	PROPN
ajeer-205	32	7	.	.	PROPN
ajeer-205	33	1	(	(	PUNCT
ajeer-205	33	2	1990	1990	NUM
ajeer-205	33	3	)	)	PUNCT
ajeer-205	33	4	found	find	VERB
ajeer-205	33	5	that	that	SCONJ
ajeer-205	33	6	an	an	DET
ajeer-205	33	7	extra	extra	ADJ
ajeer-205	33	8	yuan	yuan	NOUN
ajeer-205	33	9	of	of	ADP
ajeer-205	33	10	credit	credit	NOUN
ajeer-205	33	11	will	will	AUX
ajeer-205	33	12	return	return	VERB
ajeer-205	33	13	0.24	0.24	NUM
ajeer-205	33	14	yuan	yuan	NOUN
ajeer-205	33	15	of	of	ADP
ajeer-205	33	16	extra	extra	ADJ
ajeer-205	33	17	value	value	NOUN
ajeer-205	33	18	of	of	ADP
ajeer-205	33	19	farm	farm	NOUN
ajeer-205	33	20	output	output	NOUN
ajeer-205	33	21	.	.	PUNCT
ajeer-205	34	1	similar	similar	ADJ
ajeer-205	34	2	result	result	NOUN
ajeer-205	34	3	was	be	AUX
ajeer-205	34	4	reported	report	VERB
ajeer-205	34	5	in	in	ADP
ajeer-205	34	6	malawi	malawi	PROPN
ajeer-205	34	7	where	where	SCONJ
ajeer-205	34	8	diagne	diagne	VERB
ajeer-205	34	9	et	et	PROPN
ajeer-205	34	10	al	al	PROPN
ajeer-205	34	11	.	.	PUNCT
ajeer-205	35	1	(	(	PUNCT
ajeer-205	35	2	2000	2000	NUM
ajeer-205	35	3	)	)	PUNCT
ajeer-205	35	4	confirmed	confirm	VERB
ajeer-205	35	5	that	that	SCONJ
ajeer-205	35	6	access	access	NOUN
ajeer-205	35	7	to	to	ADP
ajeer-205	35	8	credit	credit	NOUN
ajeer-205	35	9	has	have	VERB
ajeer-205	35	10	positive	positive	ADJ
ajeer-205	35	11	significant	significant	ADJ
ajeer-205	35	12	impact	impact	NOUN
ajeer-205	35	13	on	on	ADP
ajeer-205	35	14	farmers	farmer	NOUN
ajeer-205	35	15	’	’	PART
ajeer-205	35	16	welfare	welfare	NOUN
ajeer-205	35	17	.	.	PUNCT
ajeer-205	36	1	while	while	SCONJ
ajeer-205	36	2	,	,	PUNCT
ajeer-205	36	3	using	use	VERB
ajeer-205	36	4	peruvian	peruvian	ADJ
ajeer-205	36	5	data	datum	NOUN
ajeer-205	36	6	,	,	PUNCT
ajeer-205	36	7	guirkinger	guirkinger	NOUN
ajeer-205	36	8	and	and	CCONJ
ajeer-205	36	9	boucher	boucher	PROPN
ajeer-205	36	10	(	(	PUNCT
ajeer-205	36	11	2008	2008	NUM
ajeer-205	36	12	)	)	PUNCT
ajeer-205	36	13	shows	show	VERB
ajeer-205	36	14	that	that	SCONJ
ajeer-205	36	15	on	on	ADP
ajeer-205	36	16	average	average	ADJ
ajeer-205	36	17	credit	credit	NOUN
ajeer-205	36	18	constraints	constraint	NOUN
ajeer-205	36	19	farmers	farmer	NOUN
ajeer-205	36	20	losses	losse	VERB
ajeer-205	36	21	about	about	ADV
ajeer-205	36	22	27	27	NUM
ajeer-205	36	23	percent	percent	NOUN
ajeer-205	36	24	of	of	ADP
ajeer-205	36	25	their	their	PRON
ajeer-205	36	26	agricultural	agricultural	ADJ
ajeer-205	36	27	output	output	NOUN
ajeer-205	36	28	.	.	PUNCT
ajeer-205	37	1	2	2	X
ajeer-205	37	2	.	.	X
ajeer-205	37	3	literature	literature	NOUN
ajeer-205	37	4	review	review	NOUN
ajeer-205	37	5	and	and	CCONJ
ajeer-205	37	6	empirical	empirical	ADJ
ajeer-205	37	7	frameworks	framework	NOUN
ajeer-205	37	8	2.1	2.1	NUM
ajeer-205	37	9	.	.	PUNCT
ajeer-205	38	1	formal	formal	ADJ
ajeer-205	38	2	and	and	CCONJ
ajeer-205	38	3	informal	informal	ADJ
ajeer-205	38	4	credit	credit	NOUN
ajeer-205	38	5	markets	market	NOUN
ajeer-205	38	6	one	one	NUM
ajeer-205	38	7	very	very	ADV
ajeer-205	38	8	common	common	ADJ
ajeer-205	38	9	attributes	attribute	NOUN
ajeer-205	38	10	of	of	ADP
ajeer-205	38	11	credit	credit	NOUN
ajeer-205	38	12	markets	market	NOUN
ajeer-205	38	13	in	in	ADP
ajeer-205	38	14	rural	rural	ADJ
ajeer-205	38	15	areas	area	NOUN
ajeer-205	38	16	of	of	ADP
ajeer-205	38	17	the	the	DET
ajeer-205	38	18	developing	develop	VERB
ajeer-205	38	19	economies	economy	NOUN
ajeer-205	38	20	is	be	AUX
ajeer-205	38	21	the	the	DET
ajeer-205	38	22	existence	existence	NOUN
ajeer-205	38	23	of	of	ADP
ajeer-205	38	24	informal	informal	ADJ
ajeer-205	38	25	and	and	CCONJ
ajeer-205	38	26	formal	formal	ADJ
ajeer-205	38	27	credit	credit	NOUN
ajeer-205	38	28	markets	market	NOUN
ajeer-205	38	29	(	(	PUNCT
ajeer-205	38	30	hoff	hoff	NOUN
ajeer-205	38	31	and	and	CCONJ
ajeer-205	38	32	stiglitz	stiglitz	PROPN
ajeer-205	38	33	,	,	PUNCT
ajeer-205	38	34	1990	1990	NUM
ajeer-205	38	35	;	;	PUNCT
ajeer-205	38	36	besley	besley	NOUN
ajeer-205	38	37	,	,	PUNCT
ajeer-205	38	38	1995	1995	NUM
ajeer-205	38	39	;	;	PUNCT
ajeer-205	38	40	bell	bell	PROPN
ajeer-205	38	41	et	et	PROPN
ajeer-205	38	42	al	al	PROPN
ajeer-205	38	43	.	.	PROPN
ajeer-205	38	44	,	,	PUNCT
ajeer-205	38	45	1997	1997	NUM
ajeer-205	38	46	;	;	PUNCT
ajeer-205	38	47	kochar	kochar	PROPN
ajeer-205	38	48	,	,	PUNCT
ajeer-205	38	49	1997	1997	NUM
ajeer-205	38	50	;	;	PUNCT
ajeer-205	38	51	barslund	barslund	NOUN
ajeer-205	38	52	and	and	CCONJ
ajeer-205	38	53	tarp	tarp	NOUN
ajeer-205	38	54	,	,	PUNCT
ajeer-205	38	55	2008	2008	NUM
ajeer-205	38	56	;	;	PUNCT
ajeer-205	38	57	guirkinger	guirkinger	NOUN
ajeer-205	38	58	and	and	CCONJ
ajeer-205	38	59	boucher	boucher	PROPN
ajeer-205	38	60	,	,	PUNCT
ajeer-205	38	61	2008	2008	NUM
ajeer-205	38	62	)	)	PUNCT
ajeer-205	38	63	.	.	PUNCT
ajeer-205	39	1	two	two	NUM
ajeer-205	39	2	different	different	ADJ
ajeer-205	39	3	arguments	argument	NOUN
ajeer-205	39	4	have	have	AUX
ajeer-205	39	5	been	be	AUX
ajeer-205	39	6	forward	forward	ADV
ajeer-205	39	7	as	as	ADP
ajeer-205	39	8	the	the	DET
ajeer-205	39	9	reasons	reason	NOUN
ajeer-205	39	10	of	of	ADP
ajeer-205	39	11	their	their	PRON
ajeer-205	39	12	co	co	NOUN
ajeer-205	39	13	-	-	NOUN
ajeer-205	39	14	existence	existence	NOUN
ajeer-205	39	15	.	.	PUNCT
ajeer-205	40	1	the	the	DET
ajeer-205	40	2	first	first	ADJ
ajeer-205	40	3	one	one	NOUN
ajeer-205	40	4	explained	explain	VERB
ajeer-205	40	5	that	that	SCONJ
ajeer-205	40	6	the	the	DET
ajeer-205	40	7	existence	existence	NOUN
ajeer-205	40	8	of	of	ADP
ajeer-205	40	9	informal	informal	ADJ
ajeer-205	40	10	credit	credit	NOUN
ajeer-205	40	11	market	market	NOUN
ajeer-205	40	12	was	be	AUX
ajeer-205	40	13	as	as	ADP
ajeer-205	40	14	the	the	DET
ajeer-205	40	15	result	result	NOUN
ajeer-205	40	16	of	of	ADP
ajeer-205	40	17	the	the	DET
ajeer-205	40	18	stringent	stringent	ADJ
ajeer-205	40	19	governments	government	NOUN
ajeer-205	40	20	’	’	PART
ajeer-205	40	21	policies	policy	NOUN
ajeer-205	40	22	on	on	ADP
ajeer-205	40	23	the	the	DET
ajeer-205	40	24	formal	formal	ADJ
ajeer-205	40	25	market	market	NOUN
ajeer-205	40	26	sector	sector	NOUN
ajeer-205	40	27	(	(	PUNCT
ajeer-205	40	28	bell	bell	NOUN
ajeer-205	40	29	et	et	PROPN
ajeer-205	40	30	al	al	PROPN
ajeer-205	40	31	.	.	PROPN
ajeer-205	40	32	,	,	PUNCT
ajeer-205	40	33	1997	1997	NUM
ajeer-205	40	34	;	;	PUNCT
ajeer-205	40	35	kochar	kochar	PROPN
ajeer-205	40	36	,	,	PUNCT
ajeer-205	40	37	1997	1997	NUM
ajeer-205	40	38	)	)	PUNCT
ajeer-205	40	39	.	.	PUNCT
ajeer-205	41	1	most	most	ADJ
ajeer-205	41	2	governments	government	NOUN
ajeer-205	41	3	of	of	ADP
ajeer-205	41	4	developing	develop	VERB
ajeer-205	41	5	economies	economy	NOUN
ajeer-205	41	6	have	have	AUX
ajeer-205	41	7	imposed	impose	VERB
ajeer-205	41	8	some	some	DET
ajeer-205	41	9	policies	policy	NOUN
ajeer-205	41	10	on	on	ADP
ajeer-205	41	11	the	the	DET
ajeer-205	41	12	formal	formal	ADJ
ajeer-205	41	13	sector	sector	NOUN
ajeer-205	41	14	such	such	ADJ
ajeer-205	41	15	as	as	ADP
ajeer-205	41	16	interest	interest	NOUN
ajeer-205	41	17	rate	rate	NOUN
ajeer-205	41	18	ceiling	ceiling	NOUN
ajeer-205	41	19	in	in	ADP
ajeer-205	41	20	order	order	NOUN
ajeer-205	41	21	to	to	PART
ajeer-205	41	22	strengthen	strengthen	VERB
ajeer-205	41	23	the	the	DET
ajeer-205	41	24	formal	formal	ADJ
ajeer-205	41	25	lending	lending	NOUN
ajeer-205	41	26	and	and	CCONJ
ajeer-205	41	27	discourage	discourage	VERB
ajeer-205	41	28	informal	informal	ADJ
ajeer-205	41	29	market	market	NOUN
ajeer-205	41	30	which	which	PRON
ajeer-205	41	31	charge	charge	VERB
ajeer-205	41	32	higher	high	ADJ
ajeer-205	41	33	interest	interest	NOUN
ajeer-205	41	34	rate	rate	NOUN
ajeer-205	41	35	on	on	ADP
ajeer-205	41	36	one	one	NUM
ajeer-205	41	37	hand	hand	NOUN
ajeer-205	41	38	.	.	PUNCT
ajeer-205	42	1	but	but	CCONJ
ajeer-205	42	2	,	,	PUNCT
ajeer-205	42	3	interest	interest	NOUN
ajeer-205	42	4	rates	rate	NOUN
ajeer-205	42	5	ceilings	ceiling	NOUN
ajeer-205	42	6	on	on	ADP
ajeer-205	42	7	the	the	DET
ajeer-205	42	8	other	other	ADJ
ajeer-205	42	9	hand	hand	NOUN
ajeer-205	42	10	,	,	PUNCT
ajeer-205	42	11	has	have	VERB
ajeer-205	42	12	negative	negative	ADJ
ajeer-205	42	13	effect	effect	NOUN
ajeer-205	42	14	on	on	ADP
ajeer-205	42	15	loanable	loanable	ADJ
ajeer-205	42	16	fund	fund	NOUN
ajeer-205	42	17	.	.	PUNCT
ajeer-205	43	1	it	it	PRON
ajeer-205	43	2	can	can	AUX
ajeer-205	43	3	also	also	ADV
ajeer-205	43	4	possibly	possibly	ADV
ajeer-205	43	5	stagnate	stagnate	VERB
ajeer-205	43	6	the	the	DET
ajeer-205	43	7	supply	supply	NOUN
ajeer-205	43	8	of	of	ADP
ajeer-205	43	9	credit	credit	NOUN
ajeer-205	43	10	from	from	ADP
ajeer-205	43	11	formal	formal	ADJ
ajeer-205	43	12	markets	market	NOUN
ajeer-205	43	13	to	to	ADP
ajeer-205	43	14	the	the	DET
ajeer-205	43	15	poor	poor	ADJ
ajeer-205	43	16	households	household	NOUN
ajeer-205	43	17	.	.	PUNCT
ajeer-205	44	1	since	since	SCONJ
ajeer-205	44	2	this	this	DET
ajeer-205	44	3	type	type	NOUN
ajeer-205	44	4	of	of	ADP
ajeer-205	44	5	households	household	NOUN
ajeer-205	44	6	are	be	AUX
ajeer-205	44	7	usually	usually	ADV
ajeer-205	44	8	at	at	ADP
ajeer-205	44	9	risks	risk	NOUN
ajeer-205	44	10	,	,	PUNCT
ajeer-205	44	11	where	where	SCONJ
ajeer-205	44	12	at	at	ADP
ajeer-205	44	13	below	below	ADP
ajeer-205	44	14	the	the	DET
ajeer-205	44	15	ceiling	ceiling	NOUN
ajeer-205	44	16	price	price	NOUN
ajeer-205	44	17	,	,	PUNCT
ajeer-205	44	18	lending	lend	VERB
ajeer-205	44	19	to	to	ADP
ajeer-205	44	20	poor	poor	ADJ
ajeer-205	44	21	households	household	NOUN
ajeer-205	44	22	may	may	AUX
ajeer-205	44	23	not	not	PART
ajeer-205	44	24	yields	yield	VERB
ajeer-205	44	25	more	more	ADJ
ajeer-205	44	26	return	return	NOUN
ajeer-205	44	27	.	.	PUNCT
ajeer-205	45	1	in	in	ADP
ajeer-205	45	2	this	this	DET
ajeer-205	45	3	aspects	aspect	NOUN
ajeer-205	45	4	,	,	PUNCT
ajeer-205	45	5	a	a	DET
ajeer-205	45	6	number	number	NOUN
ajeer-205	45	7	of	of	ADP
ajeer-205	45	8	researchers	researcher	NOUN
ajeer-205	45	9	such	such	ADJ
ajeer-205	45	10	as	as	ADP
ajeer-205	45	11	bell	bell	NOUN
ajeer-205	45	12	(	(	PUNCT
ajeer-205	45	13	1990	1990	NUM
ajeer-205	45	14	)	)	PUNCT
ajeer-205	45	15	and	and	CCONJ
ajeer-205	45	16	hoff	hoff	PROPN
ajeer-205	45	17	and	and	CCONJ
ajeer-205	45	18	stiglitz	stiglitz	PROPN
ajeer-205	45	19	(	(	PUNCT
ajeer-205	45	20	1990	1990	NUM
ajeer-205	45	21	)	)	PUNCT
ajeer-205	45	22	envisages	envisage	VERB
ajeer-205	45	23	that	that	SCONJ
ajeer-205	45	24	government	government	NOUN
ajeer-205	45	25	polices	police	NOUN
ajeer-205	45	26	largely	largely	ADV
ajeer-205	45	27	failed	fail	VERB
ajeer-205	45	28	to	to	ADP
ajeer-205	45	29	yields	yield	NOUN
ajeer-205	45	30	desired	desire	VERB
ajeer-205	45	31	results	result	NOUN
ajeer-205	45	32	.	.	PUNCT
ajeer-205	46	1	due	due	ADP
ajeer-205	46	2	to	to	ADP
ajeer-205	46	3	the	the	DET
ajeer-205	46	4	ceilings	ceiling	NOUN
ajeer-205	46	5	of	of	ADP
ajeer-205	46	6	interest	interest	NOUN
ajeer-205	46	7	rates	rate	NOUN
ajeer-205	46	8	in	in	ADP
ajeer-205	46	9	the	the	DET
ajeer-205	46	10	formal	formal	ADJ
ajeer-205	46	11	markets	market	NOUN
ajeer-205	46	12	,	,	PUNCT
ajeer-205	46	13	the	the	DET
ajeer-205	46	14	informal	informal	ADJ
ajeer-205	46	15	credit	credit	NOUN
ajeer-205	46	16	markets	market	NOUN
ajeer-205	46	17	has	have	AUX
ajeer-205	46	18	continue	continue	VERB
ajeer-205	46	19	to	to	PART
ajeer-205	46	20	dominate	dominate	VERB
ajeer-205	46	21	the	the	DET
ajeer-205	46	22	transaction	transaction	NOUN
ajeer-205	46	23	in	in	ADP
ajeer-205	46	24	the	the	DET
ajeer-205	46	25	rural	rural	ADJ
ajeer-205	46	26	markets	market	NOUN
ajeer-205	46	27	,	,	PUNCT
ajeer-205	46	28	with	with	ADP
ajeer-205	46	29	higher	high	ADJ
ajeer-205	46	30	interest	interest	NOUN
ajeer-205	46	31	rate	rate	NOUN
ajeer-205	46	32	in	in	ADP
ajeer-205	46	33	many	many	ADJ
ajeer-205	46	34	cases	case	NOUN
ajeer-205	46	35	.	.	PUNCT
ajeer-205	47	1	this	this	PRON
ajeer-205	47	2	has	have	AUX
ajeer-205	47	3	raise	raise	VERB
ajeer-205	47	4	some	some	DET
ajeer-205	47	5	doubt	doubt	NOUN
ajeer-205	47	6	in	in	ADP
ajeer-205	47	7	the	the	DET
ajeer-205	47	8	reliability	reliability	NOUN
ajeer-205	47	9	and	and	CCONJ
ajeer-205	47	10	the	the	DET
ajeer-205	47	11	rationale	rationale	NOUN
ajeer-205	47	12	behind	behind	ADP
ajeer-205	47	13	the	the	DET
ajeer-205	47	14	regulations	regulation	NOUN
ajeer-205	47	15	in	in	ADP
ajeer-205	47	16	the	the	DET
ajeer-205	47	17	formal	formal	ADJ
ajeer-205	47	18	sectors	sector	NOUN
ajeer-205	47	19	(	(	PUNCT
ajeer-205	47	20	hoff	hoff	NOUN
ajeer-205	47	21	and	and	CCONJ
ajeer-205	47	22	stiglitz	stiglitz	PROPN
ajeer-205	47	23	,	,	PUNCT
ajeer-205	47	24	1990	1990	NUM
ajeer-205	47	25	)	)	PUNCT
ajeer-205	47	26	.	.	PUNCT
ajeer-205	48	1	another	another	DET
ajeer-205	48	2	argument	argument	NOUN
ajeer-205	48	3	with	with	ADP
ajeer-205	48	4	respect	respect	NOUN
ajeer-205	48	5	to	to	ADP
ajeer-205	48	6	the	the	DET
ajeer-205	48	7	formal	formal	ADJ
ajeer-205	48	8	and	and	CCONJ
ajeer-205	48	9	informal	informal	ADJ
ajeer-205	48	10	credit	credit	NOUN
ajeer-205	48	11	markets	market	NOUN
ajeer-205	48	12	is	be	AUX
ajeer-205	48	13	associated	associate	VERB
ajeer-205	48	14	with	with	ADP
ajeer-205	48	15	rationing	ration	VERB
ajeer-205	48	16	in	in	ADP
ajeer-205	48	17	the	the	DET
ajeer-205	48	18	credit	credit	NOUN
ajeer-205	48	19	market	market	NOUN
ajeer-205	48	20	due	due	ADP
ajeer-205	48	21	to	to	ADP
ajeer-205	48	22	the	the	DET
ajeer-205	48	23	information	information	NOUN
ajeer-205	48	24	asymmetric	asymmetric	ADJ
ajeer-205	48	25	between	between	ADP
ajeer-205	48	26	the	the	DET
ajeer-205	48	27	borrower	borrower	NOUN
ajeer-205	48	28	and	and	CCONJ
ajeer-205	48	29	lender	lender	NOUN
ajeer-205	48	30	.	.	PUNCT
ajeer-205	49	1	since	since	SCONJ
ajeer-205	49	2	asymmetric	asymmetric	NOUN
ajeer-205	49	3	of	of	ADP
ajeer-205	49	4	information	information	NOUN
ajeer-205	49	5	is	be	AUX
ajeer-205	49	6	prevalent	prevalent	ADJ
ajeer-205	49	7	in	in	ADP
ajeer-205	49	8	the	the	DET
ajeer-205	49	9	credit	credit	NOUN
ajeer-205	49	10	markets	market	NOUN
ajeer-205	49	11	,	,	PUNCT
ajeer-205	49	12	formal	formal	ADJ
ajeer-205	49	13	lender	lender	NOUN
ajeer-205	49	14	is	be	AUX
ajeer-205	49	15	only	only	ADV
ajeer-205	49	16	keen	keen	ADJ
ajeer-205	49	17	to	to	PART
ajeer-205	49	18	release	release	VERB
ajeer-205	49	19	money	money	NOUN
ajeer-205	49	20	to	to	ADP
ajeer-205	49	21	borrower	borrower	NOUN
ajeer-205	49	22	with	with	ADP
ajeer-205	49	23	tangible	tangible	ADJ
ajeer-205	49	24	assets	asset	NOUN
ajeer-205	49	25	on	on	ADP
ajeer-205	49	26	one	one	NUM
ajeer-205	49	27	hand	hand	NOUN
ajeer-205	49	28	.	.	PUNCT
ajeer-205	50	1	on	on	ADP
ajeer-205	50	2	the	the	DET
ajeer-205	50	3	other	other	ADJ
ajeer-205	50	4	hand	hand	NOUN
ajeer-205	50	5	,	,	PUNCT
ajeer-205	50	6	informal	informal	ADJ
ajeer-205	50	7	lender	lender	NOUN
ajeer-205	50	8	can	can	AUX
ajeer-205	50	9	release	release	VERB
ajeer-205	50	10	money	money	NOUN
ajeer-205	50	11	to	to	ADP
ajeer-205	50	12	borrower	borrower	VERB
ajeer-205	50	13	even	even	ADV
ajeer-205	50	14	without	without	ADP
ajeer-205	50	15	physical	physical	ADJ
ajeer-205	50	16	assets	asset	NOUN
ajeer-205	50	17	that	that	PRON
ajeer-205	50	18	can	can	AUX
ajeer-205	50	19	be	be	AUX
ajeer-205	50	20	placed	place	VERB
ajeer-205	50	21	in	in	ADP
ajeer-205	50	22	the	the	DET
ajeer-205	50	23	form	form	NOUN
ajeer-205	50	24	of	of	ADP
ajeer-205	50	25	collaterals	collateral	NOUN
ajeer-205	50	26	.	.	PUNCT
ajeer-205	51	1	informal	informal	ADJ
ajeer-205	51	2	lenders	lender	NOUN
ajeer-205	51	3	can	can	AUX
ajeer-205	51	4	able	able	ADJ
ajeer-205	51	5	to	to	PART
ajeer-205	51	6	take	take	VERB
ajeer-205	51	7	such	such	ADJ
ajeer-205	51	8	risks	risk	NOUN
ajeer-205	51	9	,	,	PUNCT
ajeer-205	51	10	because	because	SCONJ
ajeer-205	51	11	they	they	PRON
ajeer-205	51	12	have	have	VERB
ajeer-205	51	13	informational	informational	ADJ
ajeer-205	51	14	advantage	advantage	NOUN
ajeer-205	51	15	over	over	ADP
ajeer-205	51	16	the	the	DET
ajeer-205	51	17	formal	formal	ADJ
ajeer-205	51	18	counterpart	counterpart	NOUN
ajeer-205	51	19	about	about	ADP
ajeer-205	51	20	borrowers	borrower	NOUN
ajeer-205	51	21	habits	habit	NOUN
ajeer-205	51	22	and	and	CCONJ
ajeer-205	51	23	their	their	PRON
ajeer-205	51	24	productive	productive	ADJ
ajeer-205	51	25	capacities	capacity	NOUN
ajeer-205	51	26	,	,	PUNCT
ajeer-205	51	27	so	so	SCONJ
ajeer-205	51	28	that	that	SCONJ
ajeer-205	51	29	they	they	PRON
ajeer-205	51	30	can	can	AUX
ajeer-205	51	31	employ	employ	VERB
ajeer-205	51	32	different	different	ADJ
ajeer-205	51	33	mechanisms	mechanism	NOUN
ajeer-205	51	34	to	to	PART
ajeer-205	51	35	re	re	VERB
ajeer-205	51	36	-	-	VERB
ajeer-205	51	37	enforce	enforce	VERB
ajeer-205	51	38	repayment	repayment	NOUN
ajeer-205	51	39	(	(	PUNCT
ajeer-205	51	40	zeller	zeller	NOUN
ajeer-205	51	41	,	,	PUNCT
ajeer-205	51	42	1994	1994	NUM
ajeer-205	51	43	;	;	PUNCT
ajeer-205	51	44	bardhan	bardhan	ADV
ajeer-205	51	45	and	and	CCONJ
ajeer-205	51	46	udry	udry	ADJ
ajeer-205	51	47	,	,	PUNCT
ajeer-205	51	48	1999	1999	NUM
ajeer-205	51	49	)	)	PUNCT
ajeer-205	51	50	.	.	PUNCT
ajeer-205	52	1	though	though	SCONJ
ajeer-205	52	2	both	both	CCONJ
ajeer-205	52	3	the	the	DET
ajeer-205	52	4	two	two	NUM
ajeer-205	52	5	arguments	argument	NOUN
ajeer-205	52	6	explained	explain	VERB
ajeer-205	52	7	more	more	ADV
ajeer-205	52	8	on	on	ADP
ajeer-205	52	9	the	the	DET
ajeer-205	52	10	factors	factor	NOUN
ajeer-205	52	11	affecting	affect	VERB
ajeer-205	52	12	credit	credit	NOUN
ajeer-205	52	13	supply	supply	NOUN
ajeer-205	52	14	,	,	PUNCT
ajeer-205	52	15	while	while	SCONJ
ajeer-205	52	16	demand	demand	NOUN
ajeer-205	52	17	-	-	PUNCT
ajeer-205	52	18	side	side	NOUN
ajeer-205	52	19	factors	factor	NOUN
ajeer-205	52	20	were	be	AUX
ajeer-205	52	21	skewed	skew	VERB
ajeer-205	52	22	in	in	ADP
ajeer-205	52	23	the	the	DET
ajeer-205	52	24	analysis	analysis	NOUN
ajeer-205	52	25	.	.	PUNCT
ajeer-205	53	1	as	as	ADP
ajeer-205	53	2	a	a	DET
ajeer-205	53	3	result	result	NOUN
ajeer-205	53	4	,	,	PUNCT
ajeer-205	53	5	several	several	ADJ
ajeer-205	53	6	studies	study	NOUN
ajeer-205	53	7	have	have	AUX
ajeer-205	53	8	argued	argue	VERB
ajeer-205	53	9	that	that	SCONJ
ajeer-205	53	10	the	the	DET
ajeer-205	53	11	analysis	analysis	NOUN
ajeer-205	53	12	of	of	ADP
ajeer-205	53	13	rationing	ration	VERB
ajeer-205	53	14	in	in	ADP
ajeer-205	53	15	the	the	DET
ajeer-205	53	16	formal	formal	ADJ
ajeer-205	53	17	financial	financial	ADJ
ajeer-205	53	18	sector	sector	NOUN
ajeer-205	53	19	has	have	AUX
ajeer-205	53	20	been	be	AUX
ajeer-205	53	21	overestimated	overestimate	VERB
ajeer-205	53	22	(	(	PUNCT
ajeer-205	53	23	kochar	kochar	PROPN
ajeer-205	53	24	,	,	PUNCT
ajeer-205	53	25	1997	1997	NUM
ajeer-205	53	26	)	)	PUNCT
ajeer-205	53	27	.	.	PUNCT
ajeer-205	54	1	in	in	ADP
ajeer-205	54	2	this	this	DET
ajeer-205	54	3	regards	regard	NOUN
ajeer-205	54	4	,	,	PUNCT
ajeer-205	54	5	many	many	ADJ
ajeer-205	54	6	factors	factor	NOUN
ajeer-205	54	7	have	have	AUX
ajeer-205	54	8	been	be	AUX
ajeer-205	54	9	acknowledged	acknowledge	VERB
ajeer-205	54	10	in	in	ADP
ajeer-205	54	11	the	the	DET
ajeer-205	54	12	literature	literature	NOUN
ajeer-205	54	13	as	as	ADP
ajeer-205	54	14	the	the	DET
ajeer-205	54	15	factors	factor	NOUN
ajeer-205	54	16	that	that	PRON
ajeer-205	54	17	determine	determine	VERB
ajeer-205	54	18	the	the	DET
ajeer-205	54	19	overall	overall	ADJ
ajeer-205	54	20	rural	rural	ADJ
ajeer-205	54	21	households	household	NOUN
ajeer-205	54	22	’	'	PUNCT
ajeer-205	54	23	demand	demand	NOUN
ajeer-205	54	24	for	for	ADP
ajeer-205	54	25	loan	loan	NOUN
ajeer-205	54	26	.	.	PUNCT
ajeer-205	55	1	tang	tang	PROPN
ajeer-205	55	2	et	et	PROPN
ajeer-205	55	3	al	al	PROPN
ajeer-205	55	4	.	.	PROPN
ajeer-205	56	1	(	(	PUNCT
ajeer-205	56	2	2010	2010	NUM
ajeer-205	56	3	)	)	PUNCT
ajeer-205	56	4	identified	identify	VERB
ajeer-205	56	5	savings	saving	NOUN
ajeer-205	56	6	and	and	CCONJ
ajeer-205	56	7	liquid	liquid	ADJ
ajeer-205	56	8	assets	asset	NOUN
ajeer-205	56	9	as	as	ADP
ajeer-205	56	10	a	a	DET
ajeer-205	56	11	significant	significant	ADJ
ajeer-205	56	12	factors	factor	NOUN
ajeer-205	56	13	that	that	PRON
ajeer-205	56	14	influence	influence	VERB
ajeer-205	56	15	the	the	DET
ajeer-205	56	16	overall	overall	ADJ
ajeer-205	56	17	demand	demand	NOUN
ajeer-205	56	18	for	for	ADP
ajeer-205	56	19	credit	credit	NOUN
ajeer-205	56	20	.	.	PUNCT
ajeer-205	57	1	idiosyncratic	idiosyncratic	ADJ
ajeer-205	57	2	and	and	CCONJ
ajeer-205	57	3	covariate	covariate	ADJ
ajeer-205	57	4	shocks	shock	NOUN
ajeer-205	57	5	were	be	AUX
ajeer-205	57	6	also	also	ADV
ajeer-205	57	7	another	another	DET
ajeer-205	57	8	factor	factor	NOUN
ajeer-205	57	9	.	.	PUNCT
ajeer-205	58	1	high	high	ADJ
ajeer-205	58	2	costs	cost	NOUN
ajeer-205	58	3	of	of	ADP
ajeer-205	58	4	transaction	transaction	NOUN
ajeer-205	58	5	including	include	VERB
ajeer-205	58	6	bureaucratic	bureaucratic	ADJ
ajeer-205	58	7	loan	loan	NOUN
ajeer-205	58	8	process	process	NOUN
ajeer-205	58	9	,	,	PUNCT
ajeer-205	58	10	tedious	tedious	ADJ
ajeer-205	58	11	paper	paper	NOUN
ajeer-205	58	12	work	work	NOUN
ajeer-205	58	13	related	relate	VERB
ajeer-205	58	14	with	with	ADP
ajeer-205	58	15	formal	formal	ADJ
ajeer-205	58	16	credit	credit	NOUN
ajeer-205	58	17	,	,	PUNCT
ajeer-205	58	18	collateral	collateral	ADJ
ajeer-205	58	19	risk	risk	NOUN
ajeer-205	58	20	and	and	CCONJ
ajeer-205	58	21	high	high	ADJ
ajeer-205	58	22	interest	interest	NOUN
ajeer-205	58	23	rates	rate	NOUN
ajeer-205	58	24	(	(	PUNCT
ajeer-205	58	25	foltz	foltz	NOUN
ajeer-205	58	26	,	,	PUNCT
ajeer-205	58	27	2004	2004	NUM
ajeer-205	58	28	;	;	PUNCT
ajeer-205	58	29	guirkinger	guirkinger	NOUN
ajeer-205	58	30	and	and	CCONJ
ajeer-205	58	31	boucher	boucher	PROPN
ajeer-205	58	32	,	,	PUNCT
ajeer-205	58	33	2008	2008	NUM
ajeer-205	58	34	)	)	PUNCT
ajeer-205	58	35	.	.	PUNCT
ajeer-205	59	1	availability	availability	NOUN
ajeer-205	59	2	of	of	ADP
ajeer-205	59	3	formal	formal	ADJ
ajeer-205	59	4	credit	credit	NOUN
ajeer-205	59	5	market	market	NOUN
ajeer-205	59	6	,	,	PUNCT
ajeer-205	59	7	political	political	ADJ
ajeer-205	59	8	reasons	reason	NOUN
ajeer-205	59	9	and	and	CCONJ
ajeer-205	59	10	asymmetric	asymmetric	ADJ
ajeer-205	59	11	information	information	NOUN
ajeer-205	59	12	have	have	AUX
ajeer-205	59	13	all	all	PRON
ajeer-205	59	14	been	be	AUX
ajeer-205	59	15	recognized	recognize	VERB
ajeer-205	59	16	as	as	ADP
ajeer-205	59	17	the	the	DET
ajeer-205	59	18	key	key	ADJ
ajeer-205	59	19	factors	factor	NOUN
ajeer-205	59	20	that	that	PRON
ajeer-205	59	21	influence	influence	VERB
ajeer-205	59	22	the	the	DET
ajeer-205	59	23	demand	demand	NOUN
ajeer-205	59	24	for	for	ADP
ajeer-205	59	25	loan	loan	NOUN
ajeer-205	59	26	(	(	PUNCT
ajeer-205	59	27	zander	zander	NOUN
ajeer-205	59	28	,	,	PUNCT
ajeer-205	59	29	1994	1994	NUM
ajeer-205	59	30	)	)	PUNCT
ajeer-205	59	31	.	.	PUNCT
ajeer-205	60	1	2.2	2.2	NUM
ajeer-205	60	2	.	.	PUNCT
ajeer-205	60	3	factors	factor	NOUN
ajeer-205	60	4	affecting	affect	VERB
ajeer-205	60	5	the	the	DET
ajeer-205	60	6	demand	demand	NOUN
ajeer-205	60	7	for	for	ADP
ajeer-205	60	8	credit	credit	NOUN
ajeer-205	60	9	in	in	ADP
ajeer-205	60	10	the	the	DET
ajeer-205	60	11	study	study	NOUN
ajeer-205	60	12	conducted	conduct	VERB
ajeer-205	60	13	in	in	ADP
ajeer-205	60	14	uganda	uganda	PROPN
ajeer-205	60	15	,	,	PUNCT
ajeer-205	60	16	mpuga	mpuga	X
ajeer-205	60	17	(	(	PUNCT
ajeer-205	60	18	2010	2010	NUM
ajeer-205	60	19	)	)	PUNCT
ajeer-205	60	20	found	find	VERB
ajeer-205	60	21	that	that	SCONJ
ajeer-205	60	22	age	age	NOUN
ajeer-205	60	23	of	of	ADP
ajeer-205	60	24	the	the	DET
ajeer-205	60	25	farmer	farmer	NOUN
ajeer-205	60	26	is	be	AUX
ajeer-205	60	27	positively	positively	ADV
ajeer-205	60	28	related	relate	VERB
ajeer-205	60	29	to	to	PART
ajeer-205	60	30	demand	demand	VERB
ajeer-205	60	31	for	for	ADP
ajeer-205	60	32	credit	credit	NOUN
ajeer-205	60	33	and	and	CCONJ
ajeer-205	60	34	the	the	DET
ajeer-205	60	35	quantity	quantity	NOUN
ajeer-205	60	36	of	of	ADP
ajeer-205	60	37	loan	loan	NOUN
ajeer-205	60	38	applied	apply	VERB
ajeer-205	60	39	.	.	PUNCT
ajeer-205	61	1	according	accord	VERB
ajeer-205	61	2	to	to	ADP
ajeer-205	61	3	him	he	PRON
ajeer-205	61	4	,	,	PUNCT
ajeer-205	61	5	the	the	DET
ajeer-205	61	6	young	young	ADJ
ajeer-205	61	7	are	be	AUX
ajeer-205	61	8	likely	likely	ADJ
ajeer-205	61	9	to	to	PART
ajeer-205	61	10	borrow	borrow	VERB
ajeer-205	61	11	,	,	PUNCT
ajeer-205	61	12	since	since	SCONJ
ajeer-205	61	13	they	they	PRON
ajeer-205	61	14	are	be	AUX
ajeer-205	61	15	very	very	ADV
ajeer-205	61	16	active	active	ADJ
ajeer-205	61	17	and	and	CCONJ
ajeer-205	61	18	energetic	energetic	ADJ
ajeer-205	61	19	and	and	CCONJ
ajeer-205	61	20	more	more	ADV
ajeer-205	61	21	aggressive	aggressive	ADJ
ajeer-205	61	22	to	to	ADP
ajeer-205	61	23	investment	investment	NOUN
ajeer-205	61	24	.	.	PUNCT
ajeer-205	62	1	while	while	SCONJ
ajeer-205	62	2	,	,	PUNCT
ajeer-205	62	3	old	old	ADJ
ajeer-205	62	4	individuals	individual	NOUN
ajeer-205	62	5	are	be	AUX
ajeer-205	62	6	likely	likely	ADJ
ajeer-205	62	7	to	to	PART
ajeer-205	62	8	rely	rely	VERB
ajeer-205	62	9	more	more	ADV
ajeer-205	62	10	on	on	ADP
ajeer-205	62	11	the	the	DET
ajeer-205	62	12	past	past	ADJ
ajeer-205	62	13	earnings	earning	NOUN
ajeer-205	62	14	and	and	CCONJ
ajeer-205	62	15	accumulated	accumulate	VERB
ajeer-205	62	16	capital	capital	NOUN
ajeer-205	62	17	,	,	PUNCT
ajeer-205	62	18	and	and	CCONJ
ajeer-205	62	19	therefore	therefore	ADV
ajeer-205	62	20	less	less	ADV
ajeer-205	62	21	inclined	inclined	ADJ
ajeer-205	62	22	to	to	PART
ajeer-205	62	23	need	need	VERB
ajeer-205	62	24	loan	loan	NOUN
ajeer-205	62	25	.	.	PUNCT
ajeer-205	63	1	even	even	ADV
ajeer-205	63	2	though	though	SCONJ
ajeer-205	63	3	contrary	contrary	ADJ
ajeer-205	63	4	to	to	ADP
ajeer-205	63	5	mpuga	mpuga	PROPN
ajeer-205	63	6	,	,	PUNCT
ajeer-205	63	7	tang	tang	X
ajeer-205	63	8	et	et	PROPN
ajeer-205	63	9	al	al	PROPN
ajeer-205	63	10	.	.	PROPN
ajeer-205	64	1	(	(	PUNCT
ajeer-205	64	2	2010	2010	NUM
ajeer-205	64	3	)	)	PUNCT
ajeer-205	64	4	found	find	VERB
ajeer-205	64	5	that	that	SCONJ
ajeer-205	64	6	old	old	ADJ
ajeer-205	64	7	households	household	NOUN
ajeer-205	64	8	are	be	AUX
ajeer-205	64	9	more	more	ADV
ajeer-205	64	10	probable	probable	ADJ
ajeer-205	64	11	to	to	PART
ajeer-205	64	12	demand	demand	VERB
ajeer-205	64	13	credit	credit	NOUN
ajeer-205	64	14	than	than	ADP
ajeer-205	64	15	the	the	DET
ajeer-205	64	16	younger	young	ADJ
ajeer-205	64	17	ones	one	NOUN
ajeer-205	64	18	.	.	PUNCT
ajeer-205	65	1	because	because	SCONJ
ajeer-205	65	2	these	these	DET
ajeer-205	65	3	type	type	NOUN
ajeer-205	65	4	of	of	ADP
ajeer-205	65	5	households	household	NOUN
ajeer-205	65	6	have	have	VERB
ajeer-205	65	7	higher	high	ADJ
ajeer-205	65	8	social	social	ADJ
ajeer-205	65	9	capital	capital	NOUN
ajeer-205	65	10	and	and	CCONJ
ajeer-205	65	11	social	social	ADJ
ajeer-205	65	12	network	network	NOUN
ajeer-205	65	13	that	that	PRON
ajeer-205	65	14	may	may	AUX
ajeer-205	65	15	likely	likely	ADV
ajeer-205	65	16	increase	increase	VERB
ajeer-205	65	17	their	their	PRON
ajeer-205	65	18	credit	credit	NOUN
ajeer-205	65	19	access	access	NOUN
ajeer-205	65	20	.	.	PUNCT
ajeer-205	66	1	while	while	SCONJ
ajeer-205	66	2	,	,	PUNCT
ajeer-205	66	3	in	in	ADP
ajeer-205	66	4	a	a	DET
ajeer-205	66	5	different	different	ADJ
ajeer-205	66	6	study	study	NOUN
ajeer-205	66	7	household	household	NOUN
ajeer-205	66	8	’s	’s	PART
ajeer-205	66	9	age	age	NOUN
ajeer-205	66	10	has	have	VERB
ajeer-205	66	11	no	no	DET
ajeer-205	66	12	significant	significant	ADJ
ajeer-205	66	13	effect	effect	NOUN
ajeer-205	66	14	on	on	ADP
ajeer-205	66	15	credit	credit	NOUN
ajeer-205	66	16	demand	demand	NOUN
ajeer-205	66	17	(	(	PUNCT
ajeer-205	66	18	nwaru	nwaru	ADJ
ajeer-205	66	19	,	,	PUNCT
ajeer-205	66	20	2011).asset	2011).asset	ADJ
ajeer-205	66	21	acquisition	acquisition	NOUN
ajeer-205	66	22	by	by	ADP
ajeer-205	66	23	women	woman	NOUN
ajeer-205	66	24	is	be	AUX
ajeer-205	66	25	hindered	hinder	VERB
ajeer-205	66	26	by	by	ADP
ajeer-205	66	27	social	social	ADJ
ajeer-205	66	28	restriction	restriction	NOUN
ajeer-205	66	29	especially	especially	ADV
ajeer-205	66	30	in	in	ADP
ajeer-205	66	31	developing	develop	VERB
ajeer-205	66	32	countries	country	NOUN
ajeer-205	66	33	.	.	PUNCT
ajeer-205	67	1	whereas	whereas	SCONJ
ajeer-205	67	2	,	,	PUNCT
ajeer-205	67	3	in	in	ADP
ajeer-205	67	4	rural	rural	ADJ
ajeer-205	67	5	communities	community	NOUN
ajeer-205	67	6	there	there	PRON
ajeer-205	67	7	is	be	VERB
ajeer-205	67	8	segregation	segregation	NOUN
ajeer-205	67	9	of	of	ADP
ajeer-205	67	10	gender	gender	NOUN
ajeer-205	67	11	activities	activity	NOUN
ajeer-205	67	12	.	.	PUNCT
ajeer-205	68	1	those	those	PRON
ajeer-205	68	2	among	among	ADP
ajeer-205	68	3	the	the	DET
ajeer-205	68	4	women	woman	NOUN
ajeer-205	68	5	who	who	PRON
ajeer-205	68	6	engaged	engage	VERB
ajeer-205	68	7	in	in	ADP
ajeer-205	68	8	productive	productive	ADJ
ajeer-205	68	9	and	and	CCONJ
ajeer-205	68	10	more	more	ADV
ajeer-205	68	11	independent	independent	ADJ
ajeer-205	68	12	economic	economic	ADJ
ajeer-205	68	13	activities	activity	NOUN
ajeer-205	68	14	will	will	AUX
ajeer-205	68	15	be	be	AUX
ajeer-205	68	16	traditionally	traditionally	ADV
ajeer-205	68	17	seen	see	VERB
ajeer-205	68	18	as	as	SCONJ
ajeer-205	68	19	deviated	deviate	VERB
ajeer-205	68	20	from	from	ADP
ajeer-205	68	21	social	social	ADJ
ajeer-205	68	22	norms	norm	NOUN
ajeer-205	68	23	.	.	PUNCT
ajeer-205	69	1	however	however	ADV
ajeer-205	69	2	,	,	PUNCT
ajeer-205	69	3	if	if	SCONJ
ajeer-205	69	4	this	this	DET
ajeer-205	69	5	tradition	tradition	NOUN
ajeer-205	69	6	is	be	AUX
ajeer-205	69	7	strong	strong	ADJ
ajeer-205	69	8	enough	enough	ADV
ajeer-205	69	9	,	,	PUNCT
ajeer-205	69	10	women	woman	NOUN
ajeer-205	69	11	in	in	ADP
ajeer-205	69	12	this	this	DET
ajeer-205	69	13	community	community	NOUN
ajeer-205	69	14	may	may	AUX
ajeer-205	69	15	not	not	PART
ajeer-205	69	16	demand	demand	VERB
ajeer-205	69	17	any	any	DET
ajeer-205	69	18	credit	credit	NOUN
ajeer-205	69	19	,	,	PUNCT
ajeer-205	69	20	even	even	ADV
ajeer-205	69	21	if	if	SCONJ
ajeer-205	69	22	they	they	PRON
ajeer-205	69	23	have	have	VERB
ajeer-205	69	24	gainful	gainful	ADJ
ajeer-205	69	25	investment	investment	NOUN
ajeer-205	69	26	asian	asian	ADJ
ajeer-205	69	27	journal	journal	NOUN
ajeer-205	69	28	of	of	ADP
ajeer-205	69	29	economics	economic	NOUN
ajeer-205	69	30	and	and	CCONJ
ajeer-205	69	31	empirical	empirical	ADJ
ajeer-205	69	32	research	research	NOUN
ajeer-205	69	33	,	,	PUNCT
ajeer-205	69	34	2016	2016	NUM
ajeer-205	69	35	,	,	PUNCT
ajeer-205	69	36	3(1	3(1	NUM
ajeer-205	69	37	):	):	PUNCT
ajeer-205	69	38	6	6	NUM
ajeer-205	69	39	-	-	SYM
ajeer-205	69	40	10	10	NUM
ajeer-205	69	41	8	8	NUM
ajeer-205	69	42	(	(	PUNCT
ajeer-205	69	43	fletschner	fletschner	NOUN
ajeer-205	69	44	and	and	CCONJ
ajeer-205	69	45	carter	carter	NOUN
ajeer-205	69	46	,	,	PUNCT
ajeer-205	69	47	2008	2008	NUM
ajeer-205	69	48	)	)	PUNCT
ajeer-205	69	49	.	.	PUNCT
ajeer-205	70	1	consequently	consequently	ADV
ajeer-205	70	2	,	,	PUNCT
ajeer-205	70	3	the	the	DET
ajeer-205	70	4	likelihood	likelihood	NOUN
ajeer-205	70	5	to	to	PART
ajeer-205	70	6	demand	demand	VERB
ajeer-205	70	7	for	for	ADP
ajeer-205	70	8	credit	credit	NOUN
ajeer-205	70	9	in	in	ADP
ajeer-205	70	10	the	the	DET
ajeer-205	70	11	formal	formal	ADJ
ajeer-205	70	12	market	market	NOUN
ajeer-205	70	13	is	be	AUX
ajeer-205	70	14	decreasing	decrease	VERB
ajeer-205	70	15	with	with	ADP
ajeer-205	70	16	being	be	AUX
ajeer-205	70	17	female	female	ADJ
ajeer-205	70	18	headed	head	VERB
ajeer-205	70	19	-	-	PUNCT
ajeer-205	70	20	household	household	NOUN
ajeer-205	70	21	(	(	PUNCT
ajeer-205	70	22	bendig	bendig	NOUN
ajeer-205	70	23	et	et	PROPN
ajeer-205	70	24	al	al	PROPN
ajeer-205	70	25	.	.	PROPN
ajeer-205	70	26	,	,	PUNCT
ajeer-205	70	27	2009	2009	NUM
ajeer-205	70	28	;	;	PUNCT
ajeer-205	70	29	nwaru	nwaru	ADJ
ajeer-205	70	30	,	,	PUNCT
ajeer-205	70	31	2011	2011	NUM
ajeer-205	70	32	)	)	PUNCT
ajeer-205	70	33	.	.	PUNCT
ajeer-205	71	1	in	in	ADP
ajeer-205	71	2	a	a	DET
ajeer-205	71	3	different	different	ADJ
ajeer-205	71	4	study	study	NOUN
ajeer-205	71	5	in	in	ADP
ajeer-205	71	6	ghana	ghana	PROPN
ajeer-205	71	7	,	,	PUNCT
ajeer-205	71	8	using	use	VERB
ajeer-205	71	9	multinomial	multinomial	ADJ
ajeer-205	71	10	probit	probit	NOUN
ajeer-205	71	11	regression	regression	NOUN
ajeer-205	71	12	(	(	PUNCT
ajeer-205	71	13	bendig	bendig	NOUN
ajeer-205	71	14	et	et	PROPN
ajeer-205	71	15	al	al	PROPN
ajeer-205	71	16	.	.	PROPN
ajeer-205	71	17	,	,	PUNCT
ajeer-205	71	18	2009	2009	NUM
ajeer-205	71	19	)	)	PUNCT
ajeer-205	71	20	shows	show	VERB
ajeer-205	71	21	that	that	SCONJ
ajeer-205	71	22	household	household	NOUN
ajeer-205	71	23	size	size	NOUN
ajeer-205	71	24	is	be	AUX
ajeer-205	71	25	positively	positively	ADV
ajeer-205	71	26	related	relate	VERB
ajeer-205	71	27	to	to	AUX
ajeer-205	71	28	demand	demand	VERB
ajeer-205	71	29	for	for	ADP
ajeer-205	71	30	microcredit	microcredit	NOUN
ajeer-205	71	31	.	.	PUNCT
ajeer-205	72	1	this	this	PRON
ajeer-205	72	2	is	be	AUX
ajeer-205	72	3	because	because	SCONJ
ajeer-205	72	4	households	household	NOUN
ajeer-205	72	5	with	with	ADP
ajeer-205	72	6	more	more	ADJ
ajeer-205	72	7	members	member	NOUN
ajeer-205	72	8	are	be	AUX
ajeer-205	72	9	likely	likely	ADJ
ajeer-205	72	10	to	to	PART
ajeer-205	72	11	spend	spend	VERB
ajeer-205	72	12	more	more	ADJ
ajeer-205	72	13	in	in	ADP
ajeer-205	72	14	consumption	consumption	NOUN
ajeer-205	72	15	and	and	CCONJ
ajeer-205	72	16	education	education	NOUN
ajeer-205	72	17	,	,	PUNCT
ajeer-205	72	18	thus	thus	ADV
ajeer-205	72	19	,	,	PUNCT
ajeer-205	72	20	they	they	PRON
ajeer-205	72	21	are	be	AUX
ajeer-205	72	22	likely	likely	ADJ
ajeer-205	72	23	to	to	PART
ajeer-205	72	24	demand	demand	VERB
ajeer-205	72	25	loan	loan	NOUN
ajeer-205	72	26	.	.	PUNCT
ajeer-205	73	1	while	while	SCONJ
ajeer-205	73	2	in	in	ADP
ajeer-205	73	3	a	a	DET
ajeer-205	73	4	survey	survey	NOUN
ajeer-205	73	5	study	study	NOUN
ajeer-205	73	6	in	in	ADP
ajeer-205	73	7	china	china	PROPN
ajeer-205	73	8	,	,	PUNCT
ajeer-205	73	9	tang	tang	X
ajeer-205	73	10	et	et	PROPN
ajeer-205	73	11	al	al	PROPN
ajeer-205	73	12	.	.	PROPN
ajeer-205	73	13	(	(	PUNCT
ajeer-205	73	14	2010	2010	NUM
ajeer-205	73	15	)	)	PUNCT
ajeer-205	73	16	indicated	indicate	VERB
ajeer-205	73	17	that	that	SCONJ
ajeer-205	73	18	education	education	NOUN
ajeer-205	73	19	is	be	AUX
ajeer-205	73	20	one	one	NUM
ajeer-205	73	21	of	of	ADP
ajeer-205	73	22	the	the	DET
ajeer-205	73	23	significant	significant	ADJ
ajeer-205	73	24	explanatory	explanatory	ADJ
ajeer-205	73	25	variables	variable	NOUN
ajeer-205	73	26	that	that	PRON
ajeer-205	73	27	influence	influence	VERB
ajeer-205	73	28	the	the	DET
ajeer-205	73	29	demand	demand	NOUN
ajeer-205	73	30	for	for	ADP
ajeer-205	73	31	loan	loan	NOUN
ajeer-205	73	32	.	.	PUNCT
ajeer-205	74	1	they	they	PRON
ajeer-205	74	2	also	also	ADV
ajeer-205	74	3	found	find	VERB
ajeer-205	74	4	that	that	SCONJ
ajeer-205	74	5	an	an	DET
ajeer-205	74	6	additional	additional	ADJ
ajeer-205	74	7	year	year	NOUN
ajeer-205	74	8	of	of	ADP
ajeer-205	74	9	schooling	schooling	NOUN
ajeer-205	74	10	by	by	ADP
ajeer-205	74	11	household	household	NOUN
ajeer-205	74	12	-	-	PUNCT
ajeer-205	74	13	head	head	NOUN
ajeer-205	74	14	will	will	AUX
ajeer-205	74	15	raise	raise	VERB
ajeer-205	74	16	the	the	DET
ajeer-205	74	17	likelihood	likelihood	NOUN
ajeer-205	74	18	of	of	ADP
ajeer-205	74	19	borrowing	borrowing	NOUN
ajeer-205	74	20	by	by	ADP
ajeer-205	74	21	2.5	2.5	NUM
ajeer-205	74	22	%	%	NOUN
ajeer-205	74	23	.	.	PUNCT
ajeer-205	75	1	similarly	similarly	ADV
ajeer-205	75	2	,	,	PUNCT
ajeer-205	75	3	the	the	DET
ajeer-205	75	4	probability	probability	NOUN
ajeer-205	75	5	to	to	PART
ajeer-205	75	6	demand	demand	VERB
ajeer-205	75	7	for	for	ADP
ajeer-205	75	8	loan	loan	NOUN
ajeer-205	75	9	will	will	AUX
ajeer-205	75	10	increase	increase	VERB
ajeer-205	75	11	by	by	ADP
ajeer-205	75	12	5.6	5.6	NUM
ajeer-205	75	13	%	%	NOUN
ajeer-205	75	14	if	if	SCONJ
ajeer-205	75	15	the	the	DET
ajeer-205	75	16	land	land	NOUN
ajeer-205	75	17	endowment	endowment	PROPN
ajeer-205	75	18	double	double	PROPN
ajeer-205	75	19	.	.	PUNCT
ajeer-205	76	1	although	although	SCONJ
ajeer-205	76	2	,	,	PUNCT
ajeer-205	76	3	the	the	DET
ajeer-205	76	4	influence	influence	NOUN
ajeer-205	76	5	of	of	ADP
ajeer-205	76	6	these	these	DET
ajeer-205	76	7	factors	factor	NOUN
ajeer-205	76	8	varies	vary	VERB
ajeer-205	76	9	considerably	considerably	ADV
ajeer-205	76	10	according	accord	VERB
ajeer-205	76	11	to	to	ADP
ajeer-205	76	12	type	type	NOUN
ajeer-205	76	13	of	of	ADP
ajeer-205	76	14	credit	credit	NOUN
ajeer-205	76	15	markets	market	NOUN
ajeer-205	76	16	.	.	PUNCT
ajeer-205	77	1	for	for	ADP
ajeer-205	77	2	instance	instance	NOUN
ajeer-205	77	3	,	,	PUNCT
ajeer-205	77	4	while	while	SCONJ
ajeer-205	77	5	years	year	NOUN
ajeer-205	77	6	of	of	ADP
ajeer-205	77	7	schooling	schooling	NOUN
ajeer-205	77	8	increases	increase	VERB
ajeer-205	77	9	households	household	NOUN
ajeer-205	77	10	borrowing	borrowing	NOUN
ajeer-205	77	11	chances	chance	NOUN
ajeer-205	77	12	from	from	ADP
ajeer-205	77	13	formal	formal	ADJ
ajeer-205	77	14	financial	financial	ADJ
ajeer-205	77	15	institutions	institution	NOUN
ajeer-205	77	16	,	,	PUNCT
ajeer-205	77	17	it	it	PRON
ajeer-205	77	18	however	however	ADV
ajeer-205	77	19	reduces	reduce	VERB
ajeer-205	77	20	or	or	CCONJ
ajeer-205	77	21	have	have	VERB
ajeer-205	77	22	no	no	DET
ajeer-205	77	23	effect	effect	NOUN
ajeer-205	77	24	with	with	ADP
ajeer-205	77	25	regard	regard	NOUN
ajeer-205	77	26	to	to	ADP
ajeer-205	77	27	the	the	DET
ajeer-205	77	28	informal	informal	ADJ
ajeer-205	77	29	credit	credit	NOUN
ajeer-205	77	30	market	market	NOUN
ajeer-205	77	31	.	.	PUNCT
ajeer-205	78	1	nonetheless	nonetheless	ADV
ajeer-205	78	2	,	,	PUNCT
ajeer-205	78	3	this	this	PRON
ajeer-205	78	4	does	do	AUX
ajeer-205	78	5	not	not	PART
ajeer-205	78	6	always	always	ADV
ajeer-205	78	7	holds	hold	VERB
ajeer-205	78	8	,	,	PUNCT
ajeer-205	78	9	as	as	SCONJ
ajeer-205	78	10	chen	chen	PROPN
ajeer-205	78	11	and	and	CCONJ
ajeer-205	78	12	chiivakul	chiivakul	PROPN
ajeer-205	78	13	(	(	PUNCT
ajeer-205	78	14	2008	2008	NUM
ajeer-205	78	15	)	)	PUNCT
ajeer-205	78	16	found	find	VERB
ajeer-205	78	17	that	that	SCONJ
ajeer-205	78	18	those	those	PRON
ajeer-205	78	19	with	with	ADP
ajeer-205	78	20	moderate	moderate	ADJ
ajeer-205	78	21	education	education	NOUN
ajeer-205	78	22	(	(	PUNCT
ajeer-205	78	23	primary	primary	ADJ
ajeer-205	78	24	and	and	CCONJ
ajeer-205	78	25	secondary	secondary	ADJ
ajeer-205	78	26	level	level	NOUN
ajeer-205	78	27	)	)	PUNCT
ajeer-205	78	28	are	be	AUX
ajeer-205	78	29	likely	likely	ADJ
ajeer-205	78	30	to	to	PART
ajeer-205	78	31	demand	demand	VERB
ajeer-205	78	32	for	for	ADP
ajeer-205	78	33	loan	loan	NOUN
ajeer-205	78	34	,	,	PUNCT
ajeer-205	78	35	but	but	CCONJ
ajeer-205	78	36	it	it	PRON
ajeer-205	78	37	has	have	VERB
ajeer-205	78	38	no	no	DET
ajeer-205	78	39	impact	impact	NOUN
ajeer-205	78	40	with	with	ADP
ajeer-205	78	41	respect	respect	NOUN
ajeer-205	78	42	to	to	ADP
ajeer-205	78	43	tertiary	tertiary	ADJ
ajeer-205	78	44	education	education	NOUN
ajeer-205	78	45	.	.	PUNCT
ajeer-205	79	1	this	this	PRON
ajeer-205	79	2	implies	imply	VERB
ajeer-205	79	3	that	that	SCONJ
ajeer-205	79	4	highly	highly	ADV
ajeer-205	79	5	educated	educate	VERB
ajeer-205	79	6	households	household	NOUN
ajeer-205	79	7	have	have	AUX
ajeer-205	79	8	already	already	ADV
ajeer-205	79	9	acquired	acquire	VERB
ajeer-205	79	10	wealth	wealth	NOUN
ajeer-205	79	11	,	,	PUNCT
ajeer-205	79	12	and	and	CCONJ
ajeer-205	79	13	therefore	therefore	ADV
ajeer-205	79	14	have	have	VERB
ajeer-205	79	15	little	little	ADJ
ajeer-205	79	16	credit	credit	NOUN
ajeer-205	79	17	demand	demand	NOUN
ajeer-205	79	18	.	.	PUNCT
ajeer-205	80	1	moreover	moreover	ADV
ajeer-205	80	2	,	,	PUNCT
ajeer-205	80	3	bendig	bendig	PROPN
ajeer-205	80	4	et	et	PROPN
ajeer-205	80	5	al	al	PROPN
ajeer-205	80	6	.	.	PROPN
ajeer-205	80	7	(	(	PUNCT
ajeer-205	80	8	2009	2009	NUM
ajeer-205	80	9	)	)	PUNCT
ajeer-205	80	10	established	establish	VERB
ajeer-205	80	11	that	that	SCONJ
ajeer-205	80	12	more	more	ADV
ajeer-205	80	13	educated	educate	VERB
ajeer-205	80	14	households	household	NOUN
ajeer-205	80	15	are	be	AUX
ajeer-205	80	16	likely	likely	ADJ
ajeer-205	80	17	to	to	PART
ajeer-205	80	18	demand	demand	VERB
ajeer-205	80	19	formal	formal	ADJ
ajeer-205	80	20	credit	credit	NOUN
ajeer-205	80	21	,	,	PUNCT
ajeer-205	80	22	and	and	CCONJ
ajeer-205	80	23	credit	credit	NOUN
ajeer-205	80	24	demand	demand	NOUN
ajeer-205	80	25	was	be	AUX
ajeer-205	80	26	considerably	considerably	ADV
ajeer-205	80	27	affected	affect	VERB
ajeer-205	80	28	by	by	ADP
ajeer-205	80	29	transaction	transaction	NOUN
ajeer-205	80	30	costs	cost	NOUN
ajeer-205	80	31	.	.	PUNCT
ajeer-205	81	1	this	this	PRON
ajeer-205	81	2	has	have	AUX
ajeer-205	81	3	been	be	AUX
ajeer-205	81	4	confirmed	confirm	VERB
ajeer-205	81	5	by	by	ADP
ajeer-205	81	6	many	many	ADJ
ajeer-205	81	7	studies	study	NOUN
ajeer-205	81	8	(	(	PUNCT
ajeer-205	81	9	zeller	zeller	PROPN
ajeer-205	81	10	et	et	PROPN
ajeer-205	81	11	al	al	PROPN
ajeer-205	81	12	.	.	PROPN
ajeer-205	81	13	,	,	PUNCT
ajeer-205	81	14	1998	1998	NUM
ajeer-205	81	15	)	)	PUNCT
ajeer-205	81	16	.	.	PUNCT
ajeer-205	82	1	for	for	ADP
ajeer-205	82	2	example	example	NOUN
ajeer-205	82	3	,	,	PUNCT
ajeer-205	82	4	an	an	DET
ajeer-205	82	5	extra	extra	ADJ
ajeer-205	82	6	kilo	kilo	NOUN
ajeer-205	82	7	meters	meter	NOUN
ajeer-205	82	8	between	between	ADP
ajeer-205	82	9	the	the	DET
ajeer-205	82	10	nearest	near	ADJ
ajeer-205	82	11	bank	bank	NOUN
ajeer-205	82	12	and	and	CCONJ
ajeer-205	82	13	village	village	NOUN
ajeer-205	82	14	reduces	reduce	VERB
ajeer-205	82	15	the	the	DET
ajeer-205	82	16	borrowing	borrowing	NOUN
ajeer-205	82	17	probability	probability	NOUN
ajeer-205	82	18	from	from	ADP
ajeer-205	82	19	the	the	DET
ajeer-205	82	20	formal	formal	ADJ
ajeer-205	82	21	lenders	lender	NOUN
ajeer-205	82	22	by	by	ADP
ajeer-205	82	23	1	1	NUM
ajeer-205	82	24	%	%	NOUN
ajeer-205	82	25	(	(	PUNCT
ajeer-205	82	26	tang	tang	NOUN
ajeer-205	82	27	et	et	PROPN
ajeer-205	82	28	al	al	PROPN
ajeer-205	82	29	.	.	PROPN
ajeer-205	82	30	,	,	PUNCT
ajeer-205	82	31	2010	2010	NUM
ajeer-205	82	32	)	)	PUNCT
ajeer-205	82	33	.	.	PUNCT
ajeer-205	83	1	in	in	ADP
ajeer-205	83	2	contrast	contrast	NOUN
ajeer-205	83	3	,	,	PUNCT
ajeer-205	83	4	mpuga	mpuga	X
ajeer-205	83	5	(	(	PUNCT
ajeer-205	83	6	2004	2004	NUM
ajeer-205	83	7	)	)	PUNCT
ajeer-205	83	8	has	have	AUX
ajeer-205	83	9	not	not	PART
ajeer-205	83	10	established	establish	VERB
ajeer-205	83	11	any	any	DET
ajeer-205	83	12	significance	significance	NOUN
ajeer-205	83	13	evidence	evidence	NOUN
ajeer-205	83	14	between	between	ADP
ajeer-205	83	15	village	village	NOUN
ajeer-205	83	16	distance	distance	NOUN
ajeer-205	83	17	and	and	CCONJ
ajeer-205	83	18	demand	demand	NOUN
ajeer-205	83	19	for	for	ADP
ajeer-205	83	20	loan	loan	NOUN
ajeer-205	83	21	.	.	PUNCT
ajeer-205	84	1	chen	chen	PROPN
ajeer-205	84	2	and	and	CCONJ
ajeer-205	84	3	chiivakul	chiivakul	PROPN
ajeer-205	84	4	(	(	PUNCT
ajeer-205	84	5	2008	2008	NUM
ajeer-205	84	6	)	)	PUNCT
ajeer-205	84	7	argued	argue	VERB
ajeer-205	84	8	that	that	SCONJ
ajeer-205	84	9	household	household	NOUN
ajeer-205	84	10	may	may	AUX
ajeer-205	84	11	demand	demand	VERB
ajeer-205	84	12	credit	credit	NOUN
ajeer-205	84	13	,	,	PUNCT
ajeer-205	84	14	while	while	SCONJ
ajeer-205	84	15	his	his	PRON
ajeer-205	84	16	current	current	ADJ
ajeer-205	84	17	income	income	NOUN
ajeer-205	84	18	is	be	AUX
ajeer-205	84	19	high	high	ADJ
ajeer-205	84	20	due	due	ADP
ajeer-205	84	21	to	to	ADP
ajeer-205	84	22	the	the	DET
ajeer-205	84	23	expectations	expectation	NOUN
ajeer-205	84	24	of	of	ADP
ajeer-205	84	25	future	future	ADJ
ajeer-205	84	26	income	income	NOUN
ajeer-205	84	27	,	,	PUNCT
ajeer-205	84	28	which	which	PRON
ajeer-205	84	29	will	will	AUX
ajeer-205	84	30	guarantee	guarantee	VERB
ajeer-205	84	31	his	his	PRON
ajeer-205	84	32	repayment	repayment	NOUN
ajeer-205	84	33	.	.	PUNCT
ajeer-205	85	1	similarly	similarly	ADV
ajeer-205	85	2	,	,	PUNCT
ajeer-205	85	3	it	it	PRON
ajeer-205	85	4	may	may	AUX
ajeer-205	85	5	be	be	AUX
ajeer-205	85	6	possible	possible	ADJ
ajeer-205	85	7	that	that	SCONJ
ajeer-205	85	8	if	if	SCONJ
ajeer-205	85	9	the	the	DET
ajeer-205	85	10	household	household	NOUN
ajeer-205	85	11	level	level	NOUN
ajeer-205	85	12	of	of	ADP
ajeer-205	85	13	income	income	NOUN
ajeer-205	85	14	goes	go	VERB
ajeer-205	85	15	down	down	ADV
ajeer-205	85	16	,	,	PUNCT
ajeer-205	85	17	his	his	PRON
ajeer-205	85	18	consumption	consumption	NOUN
ajeer-205	85	19	marginal	marginal	ADJ
ajeer-205	85	20	utility	utility	NOUN
ajeer-205	85	21	will	will	AUX
ajeer-205	85	22	be	be	AUX
ajeer-205	85	23	high	high	ADJ
ajeer-205	85	24	which	which	PRON
ajeer-205	85	25	may	may	AUX
ajeer-205	85	26	led	lead	VERB
ajeer-205	85	27	to	to	ADP
ajeer-205	85	28	higher	high	ADJ
ajeer-205	85	29	credit	credit	NOUN
ajeer-205	85	30	demand	demand	NOUN
ajeer-205	85	31	.	.	PUNCT
ajeer-205	86	1	additionally	additionally	ADV
ajeer-205	86	2	,	,	PUNCT
ajeer-205	86	3	households	household	NOUN
ajeer-205	86	4	are	be	AUX
ajeer-205	86	5	expected	expect	VERB
ajeer-205	86	6	to	to	PART
ajeer-205	86	7	borrow	borrow	VERB
ajeer-205	86	8	once	once	SCONJ
ajeer-205	86	9	he	he	PRON
ajeer-205	86	10	possessed	possess	VERB
ajeer-205	86	11	some	some	DET
ajeer-205	86	12	tangible	tangible	ADJ
ajeer-205	86	13	assets	asset	NOUN
ajeer-205	86	14	which	which	PRON
ajeer-205	86	15	can	can	AUX
ajeer-205	86	16	be	be	AUX
ajeer-205	86	17	placed	place	VERB
ajeer-205	86	18	as	as	ADP
ajeer-205	86	19	collateral	collateral	NOUN
ajeer-205	86	20	.	.	PUNCT
ajeer-205	87	1	along	along	ADP
ajeer-205	87	2	this	this	DET
ajeer-205	87	3	line	line	NOUN
ajeer-205	87	4	,	,	PUNCT
ajeer-205	87	5	magri	magri	NOUN
ajeer-205	87	6	(	(	PUNCT
ajeer-205	87	7	2002	2002	NUM
ajeer-205	87	8	)	)	PUNCT
ajeer-205	87	9	maintained	maintain	VERB
ajeer-205	87	10	that	that	DET
ajeer-205	87	11	total	total	ADJ
ajeer-205	87	12	wealth	wealth	NOUN
ajeer-205	87	13	that	that	PRON
ajeer-205	87	14	represents	represent	VERB
ajeer-205	87	15	current	current	ADJ
ajeer-205	87	16	and	and	CCONJ
ajeer-205	87	17	future	future	ADJ
ajeer-205	87	18	household	household	NOUN
ajeer-205	87	19	’s	’s	PART
ajeer-205	87	20	endowment	endowment	NOUN
ajeer-205	87	21	,	,	PUNCT
ajeer-205	87	22	is	be	AUX
ajeer-205	87	23	one	one	NUM
ajeer-205	87	24	of	of	ADP
ajeer-205	87	25	the	the	DET
ajeer-205	87	26	significant	significant	ADJ
ajeer-205	87	27	factors	factor	NOUN
ajeer-205	87	28	of	of	ADP
ajeer-205	87	29	demand	demand	NOUN
ajeer-205	87	30	for	for	ADP
ajeer-205	87	31	credit	credit	NOUN
ajeer-205	87	32	.	.	PUNCT
ajeer-205	88	1	while	while	SCONJ
ajeer-205	88	2	,	,	PUNCT
ajeer-205	88	3	with	with	ADP
ajeer-205	88	4	growing	grow	VERB
ajeer-205	88	5	endowment	endowment	NOUN
ajeer-205	88	6	a	a	DET
ajeer-205	88	7	household	household	NOUN
ajeer-205	88	8	can	can	AUX
ajeer-205	88	9	expand	expand	VERB
ajeer-205	88	10	his	his	PRON
ajeer-205	88	11	productive	productive	ADJ
ajeer-205	88	12	capacity	capacity	NOUN
ajeer-205	88	13	and	and	CCONJ
ajeer-205	88	14	take	take	VERB
ajeer-205	88	15	care	care	NOUN
ajeer-205	88	16	for	for	ADP
ajeer-205	88	17	his	his	PRON
ajeer-205	88	18	consumption	consumption	NOUN
ajeer-205	88	19	variability	variability	NOUN
ajeer-205	88	20	,	,	PUNCT
ajeer-205	88	21	hence	hence	ADV
ajeer-205	88	22	his	his	PRON
ajeer-205	88	23	credit	credit	NOUN
ajeer-205	88	24	demand	demand	NOUN
ajeer-205	88	25	will	will	AUX
ajeer-205	88	26	become	become	VERB
ajeer-205	88	27	very	very	ADV
ajeer-205	88	28	low	low	ADJ
ajeer-205	88	29	.	.	PUNCT
ajeer-205	89	1	however	however	ADV
ajeer-205	89	2	,	,	PUNCT
ajeer-205	89	3	at	at	ADP
ajeer-205	89	4	some	some	DET
ajeer-205	89	5	level	level	NOUN
ajeer-205	89	6	of	of	ADP
ajeer-205	89	7	wealth	wealth	NOUN
ajeer-205	89	8	,	,	PUNCT
ajeer-205	89	9	an	an	DET
ajeer-205	89	10	increase	increase	NOUN
ajeer-205	89	11	in	in	ADP
ajeer-205	89	12	household	household	NOUN
ajeer-205	89	13	’s	’s	PART
ajeer-205	89	14	endowment	endowment	NOUN
ajeer-205	89	15	may	may	AUX
ajeer-205	89	16	probably	probably	ADV
ajeer-205	89	17	raise	raise	VERB
ajeer-205	89	18	the	the	DET
ajeer-205	89	19	consumption	consumption	NOUN
ajeer-205	89	20	needs	need	NOUN
ajeer-205	89	21	,	,	PUNCT
ajeer-205	89	22	hence	hence	ADV
ajeer-205	89	23	will	will	AUX
ajeer-205	89	24	upsurge	upsurge	VERB
ajeer-205	89	25	the	the	DET
ajeer-205	89	26	willingness	willingness	NOUN
ajeer-205	89	27	for	for	ADP
ajeer-205	89	28	a	a	DET
ajeer-205	89	29	household	household	NOUN
ajeer-205	89	30	to	to	PART
ajeer-205	89	31	demand	demand	VERB
ajeer-205	89	32	for	for	ADP
ajeer-205	89	33	credit	credit	NOUN
ajeer-205	89	34	.	.	PUNCT
ajeer-205	90	1	following	follow	VERB
ajeer-205	90	2	this	this	PRON
ajeer-205	90	3	,	,	PUNCT
ajeer-205	90	4	chen	chen	PROPN
ajeer-205	90	5	and	and	CCONJ
ajeer-205	90	6	chiivakul	chiivakul	NOUN
ajeer-205	90	7	found	find	VERB
ajeer-205	90	8	that	that	SCONJ
ajeer-205	90	9	total	total	ADJ
ajeer-205	90	10	assets	asset	NOUN
ajeer-205	90	11	have	have	VERB
ajeer-205	90	12	positive	positive	ADJ
ajeer-205	90	13	and	and	CCONJ
ajeer-205	90	14	significant	significant	ADJ
ajeer-205	90	15	impact	impact	NOUN
ajeer-205	90	16	on	on	ADP
ajeer-205	90	17	the	the	DET
ajeer-205	90	18	demand	demand	NOUN
ajeer-205	90	19	for	for	ADP
ajeer-205	90	20	loan	loan	NOUN
ajeer-205	90	21	.	.	PUNCT
ajeer-205	91	1	but	but	CCONJ
ajeer-205	91	2	at	at	ADP
ajeer-205	91	3	higher	high	ADJ
ajeer-205	91	4	level	level	NOUN
ajeer-205	91	5	,	,	PUNCT
ajeer-205	91	6	an	an	DET
ajeer-205	91	7	increase	increase	NOUN
ajeer-205	91	8	in	in	ADP
ajeer-205	91	9	wealth	wealth	NOUN
ajeer-205	91	10	will	will	AUX
ajeer-205	91	11	significantly	significantly	ADV
ajeer-205	91	12	reduce	reduce	VERB
ajeer-205	91	13	the	the	DET
ajeer-205	91	14	demand	demand	NOUN
ajeer-205	91	15	for	for	ADP
ajeer-205	91	16	loan	loan	NOUN
ajeer-205	91	17	.	.	PUNCT
ajeer-205	92	1	moreover	moreover	ADV
ajeer-205	92	2	,	,	PUNCT
ajeer-205	92	3	using	use	VERB
ajeer-205	92	4	household	household	NOUN
ajeer-205	92	5	data	datum	NOUN
ajeer-205	92	6	from	from	ADP
ajeer-205	92	7	madagascar	madagascar	PROPN
ajeer-205	92	8	,	,	PUNCT
ajeer-205	92	9	zeller	zeller	X
ajeer-205	92	10	(	(	PUNCT
ajeer-205	92	11	1994	1994	NUM
ajeer-205	92	12	)	)	PUNCT
ajeer-205	92	13	examined	examine	VERB
ajeer-205	92	14	the	the	DET
ajeer-205	92	15	demand	demand	NOUN
ajeer-205	92	16	factors	factor	NOUN
ajeer-205	92	17	for	for	ADP
ajeer-205	92	18	credit	credit	NOUN
ajeer-205	92	19	and	and	CCONJ
ajeer-205	92	20	credit	credit	NOUN
ajeer-205	92	21	rationing	ration	VERB
ajeer-205	92	22	in	in	ADP
ajeer-205	92	23	the	the	DET
ajeer-205	92	24	formal	formal	ADJ
ajeer-205	92	25	and	and	CCONJ
ajeer-205	92	26	informal	informal	ADJ
ajeer-205	92	27	credit	credit	NOUN
ajeer-205	92	28	markets	market	NOUN
ajeer-205	92	29	.	.	PUNCT
ajeer-205	93	1	he	he	PRON
ajeer-205	93	2	found	find	VERB
ajeer-205	93	3	that	that	SCONJ
ajeer-205	93	4	being	be	AUX
ajeer-205	93	5	laborer	laborer	NOUN
ajeer-205	93	6	,	,	PUNCT
ajeer-205	93	7	number	number	NOUN
ajeer-205	93	8	of	of	ADP
ajeer-205	93	9	sick	sick	ADJ
ajeer-205	93	10	days	day	NOUN
ajeer-205	93	11	,	,	PUNCT
ajeer-205	93	12	having	have	VERB
ajeer-205	93	13	social	social	ADJ
ajeer-205	93	14	responsibility	responsibility	NOUN
ajeer-205	93	15	and	and	CCONJ
ajeer-205	93	16	being	be	AUX
ajeer-205	93	17	the	the	DET
ajeer-205	93	18	head	head	NOUN
ajeer-205	93	19	of	of	ADP
ajeer-205	93	20	the	the	DET
ajeer-205	93	21	family	family	NOUN
ajeer-205	93	22	are	be	AUX
ajeer-205	93	23	positively	positively	ADV
ajeer-205	93	24	associated	associate	VERB
ajeer-205	93	25	with	with	ADP
ajeer-205	93	26	borrowing	borrowing	NOUN
ajeer-205	93	27	.	.	PUNCT
ajeer-205	94	1	similarly	similarly	ADV
ajeer-205	94	2	,	,	PUNCT
ajeer-205	94	3	household	household	NOUN
ajeer-205	94	4	’s	’s	PART
ajeer-205	94	5	occupation	occupation	NOUN
ajeer-205	94	6	,	,	PUNCT
ajeer-205	94	7	level	level	NOUN
ajeer-205	94	8	of	of	ADP
ajeer-205	94	9	education	education	NOUN
ajeer-205	94	10	,	,	PUNCT
ajeer-205	94	11	land	land	NOUN
ajeer-205	94	12	endowments	endowment	NOUN
ajeer-205	94	13	and	and	CCONJ
ajeer-205	94	14	family	family	NOUN
ajeer-205	94	15	size	size	NOUN
ajeer-205	94	16	are	be	AUX
ajeer-205	94	17	very	very	ADV
ajeer-205	94	18	important	important	ADJ
ajeer-205	94	19	determinants	determinant	NOUN
ajeer-205	94	20	of	of	ADP
ajeer-205	94	21	credit	credit	NOUN
ajeer-205	94	22	constraints	constraint	NOUN
ajeer-205	94	23	status	status	NOUN
ajeer-205	94	24	of	of	ADP
ajeer-205	94	25	the	the	DET
ajeer-205	94	26	farmers	farmer	NOUN
ajeer-205	94	27	.	.	PUNCT
ajeer-205	95	1	household	household	NOUN
ajeer-205	95	2	’s	’s	PART
ajeer-205	95	3	asset	asset	NOUN
ajeer-205	95	4	is	be	AUX
ajeer-205	95	5	a	a	DET
ajeer-205	95	6	significant	significant	ADJ
ajeer-205	95	7	element	element	NOUN
ajeer-205	95	8	that	that	SCONJ
ajeer-205	95	9	individual	individual	ADJ
ajeer-205	95	10	take	take	VERB
ajeer-205	95	11	in	in	ADP
ajeer-205	95	12	to	to	ADP
ajeer-205	95	13	account	account	NOUN
ajeer-205	95	14	when	when	SCONJ
ajeer-205	95	15	it	it	PRON
ajeer-205	95	16	comes	come	VERB
ajeer-205	95	17	to	to	ADP
ajeer-205	95	18	borrowing	borrow	VERB
ajeer-205	95	19	decision	decision	NOUN
ajeer-205	95	20	.	.	PUNCT
ajeer-205	96	1	in	in	ADP
ajeer-205	96	2	this	this	DET
ajeer-205	96	3	regards	regard	NOUN
ajeer-205	96	4	,	,	PUNCT
ajeer-205	96	5	duflo	duflo	PROPN
ajeer-205	96	6	et	et	PROPN
ajeer-205	96	7	al	al	PROPN
ajeer-205	96	8	.	.	PROPN
ajeer-205	97	1	(	(	PUNCT
ajeer-205	97	2	2008	2008	NUM
ajeer-205	97	3	)	)	PUNCT
ajeer-205	97	4	shows	show	VERB
ajeer-205	97	5	that	that	SCONJ
ajeer-205	97	6	number	number	NOUN
ajeer-205	97	7	of	of	ADP
ajeer-205	97	8	livestock	livestock	NOUN
ajeer-205	97	9	owned	own	VERB
ajeer-205	97	10	has	have	VERB
ajeer-205	97	11	a	a	DET
ajeer-205	97	12	decreasing	decrease	VERB
ajeer-205	97	13	effect	effect	NOUN
ajeer-205	97	14	on	on	ADP
ajeer-205	97	15	household	household	NOUN
ajeer-205	97	16	’s	’s	PART
ajeer-205	97	17	demand	demand	NOUN
ajeer-205	97	18	for	for	ADP
ajeer-205	97	19	credit	credit	NOUN
ajeer-205	97	20	.	.	PUNCT
ajeer-205	98	1	however	however	ADV
ajeer-205	98	2	,	,	PUNCT
ajeer-205	98	3	mpuga	mpuga	X
ajeer-205	98	4	(	(	PUNCT
ajeer-205	98	5	2010	2010	NUM
ajeer-205	98	6	)	)	PUNCT
ajeer-205	98	7	contends	contend	VERB
ajeer-205	98	8	that	that	SCONJ
ajeer-205	98	9	it	it	PRON
ajeer-205	98	10	is	be	AUX
ajeer-205	98	11	not	not	PART
ajeer-205	98	12	the	the	DET
ajeer-205	98	13	total	total	ADJ
ajeer-205	98	14	amount	amount	NOUN
ajeer-205	98	15	of	of	ADP
ajeer-205	98	16	assets	asset	NOUN
ajeer-205	98	17	accumulated	accumulate	VERB
ajeer-205	98	18	,	,	PUNCT
ajeer-205	98	19	rather	rather	ADV
ajeer-205	98	20	total	total	ADJ
ajeer-205	98	21	value	value	NOUN
ajeer-205	98	22	of	of	ADP
ajeer-205	98	23	assets	asset	NOUN
ajeer-205	98	24	such	such	ADJ
ajeer-205	98	25	as	as	ADP
ajeer-205	98	26	land	land	NOUN
ajeer-205	98	27	and	and	CCONJ
ajeer-205	98	28	building	building	NOUN
ajeer-205	98	29	owned	own	VERB
ajeer-205	98	30	by	by	ADP
ajeer-205	98	31	the	the	DET
ajeer-205	98	32	household	household	NOUN
ajeer-205	98	33	that	that	PRON
ajeer-205	98	34	have	have	VERB
ajeer-205	98	35	strong	strong	ADJ
ajeer-205	98	36	positive	positive	ADJ
ajeer-205	98	37	effect	effect	NOUN
ajeer-205	98	38	on	on	ADP
ajeer-205	98	39	the	the	DET
ajeer-205	98	40	demand	demand	NOUN
ajeer-205	98	41	for	for	ADP
ajeer-205	98	42	loan	loan	NOUN
ajeer-205	98	43	.	.	PUNCT
ajeer-205	99	1	furthermore	furthermore	ADV
ajeer-205	99	2	,	,	PUNCT
ajeer-205	99	3	bendig	bendig	PROPN
ajeer-205	99	4	et	et	PROPN
ajeer-205	99	5	al	al	PROPN
ajeer-205	99	6	.	.	PROPN
ajeer-205	99	7	(	(	PUNCT
ajeer-205	99	8	2009	2009	NUM
ajeer-205	99	9	)	)	PUNCT
ajeer-205	99	10	concludes	conclude	VERB
ajeer-205	99	11	that	that	SCONJ
ajeer-205	99	12	wealth	wealth	NOUN
ajeer-205	99	13	endowment	endowment	NOUN
ajeer-205	99	14	and	and	CCONJ
ajeer-205	99	15	being	be	AUX
ajeer-205	99	16	employed	employ	VERB
ajeer-205	99	17	in	in	ADP
ajeer-205	99	18	the	the	DET
ajeer-205	99	19	administration	administration	NOUN
ajeer-205	99	20	encourage	encourage	VERB
ajeer-205	99	21	the	the	DET
ajeer-205	99	22	use	use	NOUN
ajeer-205	99	23	of	of	ADP
ajeer-205	99	24	financial	financial	ADJ
ajeer-205	99	25	service	service	NOUN
ajeer-205	99	26	.	.	PUNCT
ajeer-205	100	1	however	however	ADV
ajeer-205	100	2	,	,	PUNCT
ajeer-205	100	3	individual	individual	NOUN
ajeer-205	100	4	who	who	PRON
ajeer-205	100	5	is	be	AUX
ajeer-205	100	6	receiving	receive	VERB
ajeer-205	100	7	remittances	remittance	NOUN
ajeer-205	100	8	do	do	AUX
ajeer-205	100	9	not	not	PART
ajeer-205	100	10	exhibit	exhibit	VERB
ajeer-205	100	11	demand	demand	NOUN
ajeer-205	100	12	for	for	ADP
ajeer-205	100	13	micro	micro	ADJ
ajeer-205	100	14	loan	loan	NOUN
ajeer-205	100	15	.	.	PUNCT
ajeer-205	101	1	this	this	PRON
ajeer-205	101	2	confirmed	confirm	VERB
ajeer-205	101	3	the	the	DET
ajeer-205	101	4	general	general	ADJ
ajeer-205	101	5	assumption	assumption	NOUN
ajeer-205	101	6	that	that	SCONJ
ajeer-205	101	7	very	very	ADV
ajeer-205	101	8	poor	poor	ADJ
ajeer-205	101	9	households	household	NOUN
ajeer-205	101	10	are	be	AUX
ajeer-205	101	11	less	less	ADV
ajeer-205	101	12	likely	likely	ADJ
ajeer-205	101	13	to	to	PART
ajeer-205	101	14	be	be	AUX
ajeer-205	101	15	included	include	VERB
ajeer-205	101	16	in	in	ADP
ajeer-205	101	17	the	the	DET
ajeer-205	101	18	formal	formal	ADJ
ajeer-205	101	19	credit	credit	NOUN
ajeer-205	101	20	market	market	NOUN
ajeer-205	101	21	than	than	ADP
ajeer-205	101	22	wealthier	wealthy	ADJ
ajeer-205	101	23	households	household	NOUN
ajeer-205	101	24	(	(	PUNCT
ajeer-205	101	25	mohieldin	mohieldin	NOUN
ajeer-205	101	26	and	and	CCONJ
ajeer-205	101	27	wright	wright	PROPN
ajeer-205	101	28	,	,	PUNCT
ajeer-205	101	29	2000	2000	NUM
ajeer-205	101	30	;	;	PUNCT
ajeer-205	101	31	nguyen	nguyen	NOUN
ajeer-205	101	32	,	,	PUNCT
ajeer-205	101	33	2007	2007	NUM
ajeer-205	101	34	)	)	PUNCT
ajeer-205	101	35	.	.	PUNCT
ajeer-205	102	1	the	the	DET
ajeer-205	102	2	finding	finding	NOUN
ajeer-205	102	3	also	also	ADV
ajeer-205	102	4	specified	specify	VERB
ajeer-205	102	5	that	that	SCONJ
ajeer-205	102	6	borrowers	borrower	NOUN
ajeer-205	102	7	were	be	AUX
ajeer-205	102	8	characterized	characterize	VERB
ajeer-205	102	9	by	by	ADP
ajeer-205	102	10	greater	great	ADJ
ajeer-205	102	11	assets	asset	NOUN
ajeer-205	102	12	and	and	CCONJ
ajeer-205	102	13	high	high	ADJ
ajeer-205	102	14	earnings	earning	NOUN
ajeer-205	102	15	that	that	PRON
ajeer-205	102	16	could	could	AUX
ajeer-205	102	17	be	be	AUX
ajeer-205	102	18	served	serve	VERB
ajeer-205	102	19	as	as	ADP
ajeer-205	102	20	collateral	collateral	NOUN
ajeer-205	102	21	.	.	PUNCT
ajeer-205	103	1	households	household	NOUN
ajeer-205	103	2	may	may	AUX
ajeer-205	103	3	need	need	VERB
ajeer-205	103	4	loan	loan	NOUN
ajeer-205	103	5	for	for	ADP
ajeer-205	103	6	investments	investment	NOUN
ajeer-205	103	7	decision	decision	NOUN
ajeer-205	103	8	,	,	PUNCT
ajeer-205	103	9	or	or	CCONJ
ajeer-205	103	10	to	to	PART
ajeer-205	103	11	smooth	smooth	VERB
ajeer-205	103	12	consumption	consumption	NOUN
ajeer-205	103	13	.	.	PUNCT
ajeer-205	104	1	in	in	ADP
ajeer-205	104	2	this	this	DET
ajeer-205	104	3	way	way	NOUN
ajeer-205	104	4	,	,	PUNCT
ajeer-205	104	5	households	household	NOUN
ajeer-205	104	6	who	who	PRON
ajeer-205	104	7	experiences	experience	VERB
ajeer-205	104	8	shocks	shock	NOUN
ajeer-205	104	9	are	be	AUX
ajeer-205	104	10	more	more	ADV
ajeer-205	104	11	likely	likely	ADJ
ajeer-205	104	12	to	to	PART
ajeer-205	104	13	demand	demand	VERB
ajeer-205	104	14	loan	loan	NOUN
ajeer-205	104	15	than	than	ADP
ajeer-205	104	16	those	those	PRON
ajeer-205	104	17	who	who	PRON
ajeer-205	104	18	demand	demand	VERB
ajeer-205	104	19	credit	credit	NOUN
ajeer-205	104	20	for	for	ADP
ajeer-205	104	21	other	other	ADJ
ajeer-205	104	22	purposes	purpose	NOUN
ajeer-205	104	23	.	.	PUNCT
ajeer-205	105	1	events	event	NOUN
ajeer-205	105	2	that	that	PRON
ajeer-205	105	3	were	be	AUX
ajeer-205	105	4	found	find	VERB
ajeer-205	105	5	to	to	PART
ajeer-205	105	6	affect	affect	VERB
ajeer-205	105	7	the	the	DET
ajeer-205	105	8	demand	demand	NOUN
ajeer-205	105	9	for	for	ADP
ajeer-205	105	10	credit	credit	NOUN
ajeer-205	105	11	are	be	AUX
ajeer-205	105	12	bad	bad	ADJ
ajeer-205	105	13	harvest	harvest	NOUN
ajeer-205	105	14	and	and	CCONJ
ajeer-205	105	15	social	social	ADJ
ajeer-205	105	16	events	event	NOUN
ajeer-205	105	17	such	such	ADJ
ajeer-205	105	18	as	as	ADP
ajeer-205	105	19	marriage	marriage	NOUN
ajeer-205	105	20	and	and	CCONJ
ajeer-205	105	21	other	other	ADJ
ajeer-205	105	22	festivities	festivity	NOUN
ajeer-205	105	23	.	.	PUNCT
ajeer-205	106	1	though	though	SCONJ
ajeer-205	106	2	the	the	DET
ajeer-205	106	3	effect	effect	NOUN
ajeer-205	106	4	of	of	ADP
ajeer-205	106	5	these	these	DET
ajeer-205	106	6	factors	factor	NOUN
ajeer-205	106	7	varies	vary	VERB
ajeer-205	106	8	across	across	ADP
ajeer-205	106	9	different	different	ADJ
ajeer-205	106	10	sources	source	NOUN
ajeer-205	106	11	of	of	ADP
ajeer-205	106	12	credit	credit	NOUN
ajeer-205	106	13	.	.	PUNCT
ajeer-205	107	1	for	for	ADP
ajeer-205	107	2	example	example	NOUN
ajeer-205	107	3	,	,	PUNCT
ajeer-205	107	4	being	be	AUX
ajeer-205	107	5	salary	salary	NOUN
ajeer-205	107	6	earner	earner	NOUN
ajeer-205	107	7	and	and	CCONJ
ajeer-205	107	8	distance	distance	NOUN
ajeer-205	107	9	from	from	ADP
ajeer-205	107	10	the	the	DET
ajeer-205	107	11	village	village	NOUN
ajeer-205	107	12	to	to	ADP
ajeer-205	107	13	the	the	DET
ajeer-205	107	14	nearest	near	ADJ
ajeer-205	107	15	banks	bank	NOUN
ajeer-205	107	16	have	have	VERB
ajeer-205	107	17	positive	positive	ADJ
ajeer-205	107	18	impact	impact	NOUN
ajeer-205	107	19	with	with	ADP
ajeer-205	107	20	respect	respect	NOUN
ajeer-205	107	21	to	to	ADP
ajeer-205	107	22	informal	informal	ADJ
ajeer-205	107	23	credit	credit	NOUN
ajeer-205	107	24	demand	demand	NOUN
ajeer-205	107	25	(	(	PUNCT
ajeer-205	107	26	nwaru	nwaru	ADJ
ajeer-205	107	27	,	,	PUNCT
ajeer-205	107	28	2011	2011	NUM
ajeer-205	107	29	)	)	PUNCT
ajeer-205	107	30	.	.	PUNCT
ajeer-205	108	1	similarly	similarly	ADV
ajeer-205	108	2	,	,	PUNCT
ajeer-205	108	3	results	result	NOUN
ajeer-205	108	4	from	from	ADP
ajeer-205	108	5	india	india	PROPN
ajeer-205	108	6	shows	show	VERB
ajeer-205	108	7	that	that	SCONJ
ajeer-205	108	8	households	household	NOUN
ajeer-205	108	9	’	'	PUNCT
ajeer-205	108	10	entrepreneurial	entrepreneurial	ADJ
ajeer-205	108	11	skills	skill	NOUN
ajeer-205	108	12	,	,	PUNCT
ajeer-205	108	13	occupation	occupation	NOUN
ajeer-205	108	14	and	and	CCONJ
ajeer-205	108	15	off	off	ADP
ajeer-205	108	16	-	-	PUNCT
ajeer-205	108	17	farm	farm	NOUN
ajeer-205	108	18	investments	investment	NOUN
ajeer-205	108	19	are	be	AUX
ajeer-205	108	20	positively	positively	ADV
ajeer-205	108	21	related	relate	VERB
ajeer-205	108	22	to	to	ADP
ajeer-205	108	23	institutional	institutional	ADJ
ajeer-205	108	24	borrowing	borrowing	NOUN
ajeer-205	108	25	(	(	PUNCT
ajeer-205	108	26	kumar	kumar	PROPN
ajeer-205	108	27	et	et	PROPN
ajeer-205	108	28	al	al	PROPN
ajeer-205	108	29	.	.	PROPN
ajeer-205	108	30	,	,	PUNCT
ajeer-205	108	31	2010	2010	NUM
ajeer-205	108	32	)	)	PUNCT
ajeer-205	108	33	.	.	PUNCT
ajeer-205	109	1	however	however	ADV
ajeer-205	109	2	,	,	PUNCT
ajeer-205	109	3	the	the	DET
ajeer-205	109	4	amount	amount	NOUN
ajeer-205	109	5	of	of	ADP
ajeer-205	109	6	money	money	NOUN
ajeer-205	109	7	a	a	DET
ajeer-205	109	8	household	household	NOUN
ajeer-205	109	9	may	may	AUX
ajeer-205	109	10	demand	demand	VERB
ajeer-205	109	11	within	within	ADP
ajeer-205	109	12	the	the	DET
ajeer-205	109	13	considerable	considerable	ADJ
ajeer-205	109	14	time	time	NOUN
ajeer-205	109	15	and	and	CCONJ
ajeer-205	109	16	his	his	PRON
ajeer-205	109	17	investment	investment	NOUN
ajeer-205	109	18	decision	decision	NOUN
ajeer-205	109	19	depend	depend	VERB
ajeer-205	109	20	on	on	ADP
ajeer-205	109	21	his	his	PRON
ajeer-205	109	22	school	school	NOUN
ajeer-205	109	23	years	year	NOUN
ajeer-205	109	24	,	,	PUNCT
ajeer-205	109	25	farm	farm	NOUN
ajeer-205	109	26	size	size	NOUN
ajeer-205	109	27	,	,	PUNCT
ajeer-205	109	28	household	household	NOUN
ajeer-205	109	29	’s	’s	PART
ajeer-205	109	30	age	age	NOUN
ajeer-205	109	31	,	,	PUNCT
ajeer-205	109	32	distance	distance	NOUN
ajeer-205	109	33	,	,	PUNCT
ajeer-205	109	34	socio	socio	NOUN
ajeer-205	109	35	-	-	PUNCT
ajeer-205	109	36	economic	economic	ADJ
ajeer-205	109	37	interaction	interaction	NOUN
ajeer-205	109	38	and	and	CCONJ
ajeer-205	109	39	household	household	NOUN
ajeer-205	109	40	size	size	NOUN
ajeer-205	109	41	,	,	PUNCT
ajeer-205	109	42	ewuola	ewuola	PROPN
ajeer-205	109	43	and	and	CCONJ
ajeer-205	109	44	williams	williams	PROPN
ajeer-205	109	45	(	(	PUNCT
ajeer-205	109	46	1995	1995	NUM
ajeer-205	109	47	)	)	PUNCT
ajeer-205	109	48	.	.	PUNCT
ajeer-205	110	1	even	even	ADV
ajeer-205	110	2	though	though	ADV
ajeer-205	110	3	,	,	PUNCT
ajeer-205	110	4	by	by	ADP
ajeer-205	110	5	considering	consider	VERB
ajeer-205	110	6	the	the	DET
ajeer-205	110	7	profitability	profitability	NOUN
ajeer-205	110	8	of	of	ADP
ajeer-205	110	9	investments	investment	NOUN
ajeer-205	110	10	and	and	CCONJ
ajeer-205	110	11	price	price	NOUN
ajeer-205	110	12	of	of	ADP
ajeer-205	110	13	loan	loan	NOUN
ajeer-205	110	14	as	as	ADP
ajeer-205	110	15	one	one	NUM
ajeer-205	110	16	of	of	ADP
ajeer-205	110	17	the	the	DET
ajeer-205	110	18	investment	investment	NOUN
ajeer-205	110	19	and	and	CCONJ
ajeer-205	110	20	borrowing	borrowing	NOUN
ajeer-205	110	21	conditions	condition	NOUN
ajeer-205	110	22	;	;	PUNCT
ajeer-205	110	23	a	a	DET
ajeer-205	110	24	household	household	NOUN
ajeer-205	110	25	may	may	AUX
ajeer-205	110	26	borrow	borrow	VERB
ajeer-205	110	27	capital	capital	NOUN
ajeer-205	110	28	if	if	SCONJ
ajeer-205	110	29	the	the	DET
ajeer-205	110	30	expected	expect	VERB
ajeer-205	110	31	project	project	NOUN
ajeer-205	110	32	return	return	NOUN
ajeer-205	110	33	is	be	AUX
ajeer-205	110	34	higher	high	ADJ
ajeer-205	110	35	than	than	ADP
ajeer-205	110	36	the	the	DET
ajeer-205	110	37	cost	cost	NOUN
ajeer-205	110	38	of	of	ADP
ajeer-205	110	39	borrowing	borrowing	NOUN
ajeer-205	110	40	(	(	PUNCT
ajeer-205	110	41	sylvanus	sylvanus	PROPN
ajeer-205	110	42	,	,	PUNCT
ajeer-205	110	43	2003	2003	NUM
ajeer-205	110	44	)	)	PUNCT
ajeer-205	110	45	.	.	PUNCT
ajeer-205	111	1	in	in	ADP
ajeer-205	111	2	a	a	DET
ajeer-205	111	3	different	different	ADJ
ajeer-205	111	4	study	study	NOUN
ajeer-205	111	5	in	in	ADP
ajeer-205	111	6	ghana	ghana	PROPN
ajeer-205	111	7	,	,	PUNCT
ajeer-205	111	8	koomson	koomson	PROPN
ajeer-205	111	9	et	et	PROPN
ajeer-205	111	10	al	al	PROPN
ajeer-205	111	11	.	.	PROPN
ajeer-205	112	1	(	(	PUNCT
ajeer-205	112	2	2014	2014	NUM
ajeer-205	112	3	)	)	PUNCT
ajeer-205	112	4	indicates	indicate	VERB
ajeer-205	112	5	that	that	SCONJ
ajeer-205	112	6	the	the	DET
ajeer-205	112	7	probability	probability	NOUN
ajeer-205	112	8	of	of	ADP
ajeer-205	112	9	being	be	AUX
ajeer-205	112	10	discouraged	discourage	VERB
ajeer-205	112	11	from	from	ADP
ajeer-205	112	12	credit	credit	NOUN
ajeer-205	112	13	applications	application	NOUN
ajeer-205	112	14	increases	increase	NOUN
ajeer-205	112	15	with	with	ADP
ajeer-205	112	16	low	low	ADJ
ajeer-205	112	17	savings	saving	NOUN
ajeer-205	112	18	and	and	CCONJ
ajeer-205	112	19	low	low	ADJ
ajeer-205	112	20	income	income	NOUN
ajeer-205	112	21	earnings	earning	NOUN
ajeer-205	112	22	.	.	PUNCT
ajeer-205	113	1	while	while	SCONJ
ajeer-205	113	2	,	,	PUNCT
ajeer-205	113	3	in	in	ADP
ajeer-205	113	4	a	a	DET
ajeer-205	113	5	study	study	NOUN
ajeer-205	113	6	conducted	conduct	VERB
ajeer-205	113	7	in	in	ADP
ajeer-205	113	8	vietnam	vietnam	PROPN
ajeer-205	113	9	,	,	PUNCT
ajeer-205	113	10	thanh	thanh	VERB
ajeer-205	113	11	et	et	PROPN
ajeer-205	113	12	al	al	PROPN
ajeer-205	113	13	.	.	PROPN
ajeer-205	114	1	(	(	PUNCT
ajeer-205	114	2	2015	2015	NUM
ajeer-205	114	3	)	)	PUNCT
ajeer-205	114	4	found	find	VERB
ajeer-205	114	5	that	that	SCONJ
ajeer-205	114	6	having	have	VERB
ajeer-205	114	7	owned	own	VERB
ajeer-205	114	8	residential	residential	ADJ
ajeer-205	114	9	area	area	NOUN
ajeer-205	114	10	,	,	PUNCT
ajeer-205	114	11	per	per	ADP
ajeer-205	114	12	capita	capita	X
ajeer-205	114	13	land	land	NOUN
ajeer-205	114	14	area	area	NOUN
ajeer-205	114	15	,	,	PUNCT
ajeer-205	114	16	education	education	NOUN
ajeer-205	114	17	are	be	AUX
ajeer-205	114	18	the	the	DET
ajeer-205	114	19	key	key	ADJ
ajeer-205	114	20	determinants	determinant	NOUN
ajeer-205	114	21	of	of	ADP
ajeer-205	114	22	access	access	NOUN
ajeer-205	114	23	to	to	ADP
ajeer-205	114	24	credit	credit	NOUN
ajeer-205	114	25	.	.	PUNCT
ajeer-205	115	1	while	while	SCONJ
ajeer-205	115	2	,	,	PUNCT
ajeer-205	115	3	average	average	ADJ
ajeer-205	115	4	years	year	NOUN
ajeer-205	115	5	of	of	ADP
ajeer-205	115	6	schooling	schooling	NOUN
ajeer-205	115	7	has	have	VERB
ajeer-205	115	8	significant	significant	ADJ
ajeer-205	115	9	impacts	impact	NOUN
ajeer-205	115	10	on	on	ADP
ajeer-205	115	11	the	the	DET
ajeer-205	115	12	likelihood	likelihood	NOUN
ajeer-205	115	13	of	of	ADP
ajeer-205	115	14	acquiring	acquire	VERB
ajeer-205	115	15	higher	high	ADJ
ajeer-205	115	16	amount	amount	NOUN
ajeer-205	115	17	of	of	ADP
ajeer-205	115	18	loan	loan	NOUN
ajeer-205	115	19	.	.	PUNCT
ajeer-205	116	1	their	their	PRON
ajeer-205	116	2	studies	study	NOUN
ajeer-205	116	3	have	have	VERB
ajeer-205	116	4	yields	yield	NOUN
ajeer-205	116	5	an	an	DET
ajeer-205	116	6	interesting	interesting	ADJ
ajeer-205	116	7	finding	finding	NOUN
ajeer-205	116	8	that	that	SCONJ
ajeer-205	116	9	being	be	AUX
ajeer-205	116	10	native	native	ADJ
ajeer-205	116	11	poor	poor	ADJ
ajeer-205	116	12	and	and	CCONJ
ajeer-205	116	13	percentage	percentage	NOUN
ajeer-205	116	14	of	of	ADP
ajeer-205	116	15	off	off	ADP
ajeer-205	116	16	-	-	PUNCT
ajeer-205	116	17	farm	farm	NOUN
ajeer-205	116	18	income	income	NOUN
ajeer-205	116	19	have	have	VERB
ajeer-205	116	20	positive	positive	ADJ
ajeer-205	116	21	effects	effect	NOUN
ajeer-205	116	22	with	with	ADP
ajeer-205	116	23	respect	respect	NOUN
ajeer-205	116	24	to	to	ADP
ajeer-205	116	25	formal	formal	ADJ
ajeer-205	116	26	borrowing	borrowing	NOUN
ajeer-205	116	27	.	.	PUNCT
ajeer-205	117	1	similarly	similarly	ADV
ajeer-205	117	2	,	,	PUNCT
ajeer-205	117	3	interest	interest	NOUN
ajeer-205	117	4	rate	rate	NOUN
ajeer-205	117	5	has	have	VERB
ajeer-205	117	6	statistical	statistical	ADJ
ajeer-205	117	7	relevance	relevance	NOUN
ajeer-205	117	8	on	on	ADP
ajeer-205	117	9	the	the	DET
ajeer-205	117	10	loan	loan	NOUN
ajeer-205	117	11	amount	amount	NOUN
ajeer-205	117	12	demanded	demand	VERB
ajeer-205	117	13	.	.	PUNCT
ajeer-205	118	1	in	in	ADP
ajeer-205	118	2	summary	summary	NOUN
ajeer-205	118	3	,	,	PUNCT
ajeer-205	118	4	these	these	DET
ajeer-205	118	5	inconsistencies	inconsistency	NOUN
ajeer-205	118	6	and	and	CCONJ
ajeer-205	118	7	inconclusive	inconclusive	ADJ
ajeer-205	118	8	findings	finding	NOUN
ajeer-205	118	9	may	may	AUX
ajeer-205	118	10	be	be	AUX
ajeer-205	118	11	due	due	ADJ
ajeer-205	118	12	to	to	ADP
ajeer-205	118	13	the	the	DET
ajeer-205	118	14	regional	regional	ADJ
ajeer-205	118	15	variations	variation	NOUN
ajeer-205	118	16	with	with	ADP
ajeer-205	118	17	respect	respect	NOUN
ajeer-205	118	18	to	to	ADP
ajeer-205	118	19	weather	weather	NOUN
ajeer-205	118	20	,	,	PUNCT
ajeer-205	118	21	infrastructure	infrastructure	NOUN
ajeer-205	118	22	,	,	PUNCT
ajeer-205	118	23	credit	credit	NOUN
ajeer-205	118	24	availability	availability	NOUN
ajeer-205	118	25	and	and	CCONJ
ajeer-205	118	26	government	government	NOUN
ajeer-205	118	27	policies	policy	NOUN
ajeer-205	118	28	,	,	PUNCT
ajeer-205	118	29	while	while	SCONJ
ajeer-205	118	30	socio	socio	NOUN
ajeer-205	118	31	-	-	PUNCT
ajeer-205	118	32	economic	economic	ADJ
ajeer-205	118	33	attributes	attribute	NOUN
ajeer-205	118	34	plays	play	VERB
ajeer-205	118	35	a	a	DET
ajeer-205	118	36	vital	vital	ADJ
ajeer-205	118	37	roles	role	NOUN
ajeer-205	118	38	in	in	ADP
ajeer-205	118	39	response	response	NOUN
ajeer-205	118	40	to	to	ADP
ajeer-205	118	41	credit	credit	NOUN
ajeer-205	118	42	demand	demand	NOUN
ajeer-205	118	43	.	.	PUNCT
ajeer-205	119	1	this	this	PRON
ajeer-205	119	2	indicates	indicate	VERB
ajeer-205	119	3	that	that	SCONJ
ajeer-205	119	4	findings	finding	NOUN
ajeer-205	119	5	from	from	ADP
ajeer-205	119	6	one	one	NUM
ajeer-205	119	7	region	region	NOUN
ajeer-205	119	8	may	may	AUX
ajeer-205	119	9	not	not	PART
ajeer-205	119	10	be	be	AUX
ajeer-205	119	11	generalized	generalize	VERB
ajeer-205	119	12	to	to	ADP
ajeer-205	119	13	another	another	DET
ajeer-205	119	14	region	region	NOUN
ajeer-205	119	15	.	.	PUNCT
ajeer-205	120	1	asian	asian	ADJ
ajeer-205	120	2	journal	journal	PROPN
ajeer-205	120	3	of	of	ADP
ajeer-205	120	4	economics	economic	NOUN
ajeer-205	120	5	and	and	CCONJ
ajeer-205	120	6	empirical	empirical	ADJ
ajeer-205	120	7	research	research	NOUN
ajeer-205	120	8	,	,	PUNCT
ajeer-205	120	9	2016	2016	NUM
ajeer-205	120	10	,	,	PUNCT
ajeer-205	120	11	3(1	3(1	NUM
ajeer-205	120	12	):	):	PUNCT
ajeer-205	120	13	6	6	NUM
ajeer-205	120	14	-	-	SYM
ajeer-205	120	15	10	10	NUM
ajeer-205	120	16	9	9	NUM
ajeer-205	120	17	3	3	NUM
ajeer-205	120	18	.	.	PUNCT
ajeer-205	120	19	conclusion	conclusion	NOUN
ajeer-205	120	20	this	this	DET
ajeer-205	120	21	article	article	NOUN
ajeer-205	120	22	reviews	review	VERB
ajeer-205	120	23	the	the	DET
ajeer-205	120	24	various	various	ADJ
ajeer-205	120	25	field	field	NOUN
ajeer-205	120	26	studies	study	NOUN
ajeer-205	120	27	on	on	ADP
ajeer-205	120	28	the	the	DET
ajeer-205	120	29	factors	factor	NOUN
ajeer-205	120	30	that	that	PRON
ajeer-205	120	31	influence	influence	VERB
ajeer-205	120	32	the	the	DET
ajeer-205	120	33	demand	demand	NOUN
ajeer-205	120	34	for	for	ADP
ajeer-205	120	35	credit	credit	NOUN
ajeer-205	120	36	by	by	ADP
ajeer-205	120	37	farmers	farmer	NOUN
ajeer-205	120	38	.	.	PUNCT
ajeer-205	121	1	perhaps	perhaps	ADV
ajeer-205	121	2	,	,	PUNCT
ajeer-205	121	3	empirical	empirical	ADJ
ajeer-205	121	4	studies	study	NOUN
ajeer-205	121	5	that	that	PRON
ajeer-205	121	6	have	have	AUX
ajeer-205	121	7	been	be	AUX
ajeer-205	121	8	reviews	review	NOUN
ajeer-205	121	9	in	in	ADP
ajeer-205	121	10	this	this	DET
ajeer-205	121	11	paper	paper	NOUN
ajeer-205	121	12	,	,	PUNCT
ajeer-205	121	13	methodologically	methodologically	ADV
ajeer-205	121	14	can	can	AUX
ajeer-205	121	15	be	be	AUX
ajeer-205	121	16	categorized	categorize	VERB
ajeer-205	121	17	into	into	ADP
ajeer-205	121	18	three	three	NUM
ajeer-205	121	19	different	different	ADJ
ajeer-205	121	20	groups	group	NOUN
ajeer-205	121	21	,	,	PUNCT
ajeer-205	121	22	though	though	SCONJ
ajeer-205	121	23	not	not	PART
ajeer-205	121	24	explicitly	explicitly	ADV
ajeer-205	121	25	demonstrated	demonstrate	VERB
ajeer-205	121	26	in	in	ADP
ajeer-205	121	27	the	the	DET
ajeer-205	121	28	review	review	NOUN
ajeer-205	121	29	process	process	NOUN
ajeer-205	121	30	.	.	PUNCT
ajeer-205	122	1	the	the	DET
ajeer-205	122	2	first	first	ADJ
ajeer-205	122	3	category	category	NOUN
ajeer-205	122	4	are	be	AUX
ajeer-205	122	5	those	those	PRON
ajeer-205	122	6	that	that	PRON
ajeer-205	122	7	used	use	VERB
ajeer-205	122	8	categorical	categorical	ADJ
ajeer-205	122	9	models	model	NOUN
ajeer-205	122	10	as	as	ADP
ajeer-205	122	11	a	a	DET
ajeer-205	122	12	tools	tool	NOUN
ajeer-205	122	13	of	of	ADP
ajeer-205	122	14	data	datum	NOUN
ajeer-205	122	15	analysis	analysis	NOUN
ajeer-205	122	16	in	in	ADP
ajeer-205	122	17	order	order	NOUN
ajeer-205	122	18	to	to	PART
ajeer-205	122	19	investigate	investigate	VERB
ajeer-205	122	20	the	the	DET
ajeer-205	122	21	factors	factor	NOUN
ajeer-205	122	22	that	that	PRON
ajeer-205	122	23	determine	determine	VERB
ajeer-205	122	24	the	the	DET
ajeer-205	122	25	demand	demand	NOUN
ajeer-205	122	26	for	for	ADP
ajeer-205	122	27	credit	credit	NOUN
ajeer-205	122	28	.	.	PUNCT
ajeer-205	123	1	these	these	PRON
ajeer-205	123	2	includes	include	VERB
ajeer-205	123	3	(	(	PUNCT
ajeer-205	123	4	zeller	zeller	NOUN
ajeer-205	123	5	,	,	PUNCT
ajeer-205	123	6	1994	1994	NUM
ajeer-205	123	7	)	)	PUNCT
ajeer-205	123	8	;	;	PUNCT
ajeer-205	123	9	guirkinger	guirkinger	NOUN
ajeer-205	123	10	and	and	CCONJ
ajeer-205	123	11	boucher	boucher	PROPN
ajeer-205	123	12	(	(	PUNCT
ajeer-205	123	13	2008	2008	NUM
ajeer-205	123	14	)	)	PUNCT
ajeer-205	123	15	;	;	PUNCT
ajeer-205	123	16	barslund	barslund	NOUN
ajeer-205	123	17	and	and	CCONJ
ajeer-205	123	18	tarp	tarp	NOUN
ajeer-205	123	19	(	(	PUNCT
ajeer-205	123	20	2008	2008	NUM
ajeer-205	123	21	)	)	PUNCT
ajeer-205	123	22	among	among	ADP
ajeer-205	123	23	the	the	DET
ajeer-205	123	24	others	other	NOUN
ajeer-205	123	25	.	.	PUNCT
ajeer-205	124	1	the	the	DET
ajeer-205	124	2	second	second	ADJ
ajeer-205	124	3	group	group	NOUN
ajeer-205	124	4	consists	consist	VERB
ajeer-205	124	5	of	of	ADP
ajeer-205	124	6	those	those	DET
ajeer-205	124	7	studies	study	NOUN
ajeer-205	124	8	that	that	PRON
ajeer-205	124	9	analyses	analyse	VERB
ajeer-205	124	10	the	the	DET
ajeer-205	124	11	determinants	determinant	NOUN
ajeer-205	124	12	of	of	ADP
ajeer-205	124	13	demand	demand	NOUN
ajeer-205	124	14	for	for	ADP
ajeer-205	124	15	loan	loan	NOUN
ajeer-205	124	16	using	use	VERB
ajeer-205	124	17	ordinary	ordinary	ADJ
ajeer-205	124	18	least	least	ADJ
ajeer-205	124	19	square	square	ADJ
ajeer-205	124	20	and	and	CCONJ
ajeer-205	124	21	other	other	ADJ
ajeer-205	124	22	truncated	truncated	ADJ
ajeer-205	124	23	models	model	NOUN
ajeer-205	124	24	such	such	ADJ
ajeer-205	124	25	as	as	ADP
ajeer-205	124	26	nwaru	nwaru	ADJ
ajeer-205	124	27	(	(	PUNCT
ajeer-205	124	28	2011	2011	NUM
ajeer-205	124	29	)	)	PUNCT
ajeer-205	124	30	and	and	CCONJ
ajeer-205	124	31	thanh	thanh	VERB
ajeer-205	124	32	et	et	PROPN
ajeer-205	124	33	al	al	PROPN
ajeer-205	124	34	.	.	PROPN
ajeer-205	125	1	(	(	PUNCT
ajeer-205	125	2	2015	2015	NUM
ajeer-205	125	3	)	)	PUNCT
ajeer-205	125	4	.	.	PUNCT
ajeer-205	126	1	while	while	SCONJ
ajeer-205	126	2	,	,	PUNCT
ajeer-205	126	3	the	the	DET
ajeer-205	126	4	third	third	ADJ
ajeer-205	126	5	groups	group	NOUN
ajeer-205	126	6	comprises	comprise	NOUN
ajeer-205	126	7	of	of	ADP
ajeer-205	126	8	those	those	PRON
ajeer-205	126	9	that	that	PRON
ajeer-205	126	10	combined	combine	VERB
ajeer-205	126	11	different	different	ADJ
ajeer-205	126	12	methods	method	NOUN
ajeer-205	126	13	in	in	ADP
ajeer-205	126	14	order	order	NOUN
ajeer-205	126	15	to	to	PART
ajeer-205	126	16	satisfy	satisfy	VERB
ajeer-205	126	17	their	their	PRON
ajeer-205	126	18	conflicted	conflicted	ADJ
ajeer-205	126	19	objectives	objective	NOUN
ajeer-205	126	20	,	,	PUNCT
ajeer-205	126	21	such	such	ADJ
ajeer-205	126	22	as	as	ADP
ajeer-205	126	23	mpuga	mpuga	PROPN
ajeer-205	126	24	(	(	PUNCT
ajeer-205	126	25	2010	2010	NUM
ajeer-205	126	26	;	;	PUNCT
ajeer-205	126	27	2004	2004	NUM
ajeer-205	126	28	)	)	PUNCT
ajeer-205	126	29	.	.	PUNCT
ajeer-205	127	1	additionally	additionally	ADV
ajeer-205	127	2	,	,	PUNCT
ajeer-205	127	3	it	it	PRON
ajeer-205	127	4	was	be	AUX
ajeer-205	127	5	demonstrated	demonstrate	VERB
ajeer-205	127	6	in	in	ADP
ajeer-205	127	7	this	this	DET
ajeer-205	127	8	paper	paper	NOUN
ajeer-205	127	9	that	that	SCONJ
ajeer-205	127	10	various	various	ADJ
ajeer-205	127	11	empirical	empirical	ADJ
ajeer-205	127	12	studies	study	NOUN
ajeer-205	127	13	used	use	VERB
ajeer-205	127	14	a	a	DET
ajeer-205	127	15	number	number	NOUN
ajeer-205	127	16	of	of	ADP
ajeer-205	127	17	different	different	ADJ
ajeer-205	127	18	variables	variable	NOUN
ajeer-205	127	19	that	that	PRON
ajeer-205	127	20	depends	depend	VERB
ajeer-205	127	21	largely	largely	ADV
ajeer-205	127	22	on	on	ADP
ajeer-205	127	23	the	the	DET
ajeer-205	127	24	researcher	researcher	NOUN
ajeer-205	127	25	’s	’	VERB
ajeer-205	127	26	a	a	DET
ajeer-205	127	27	priori	priori	ADJ
ajeer-205	127	28	expectations	expectation	NOUN
ajeer-205	127	29	.	.	PUNCT
ajeer-205	128	1	though	though	ADV
ajeer-205	128	2	,	,	PUNCT
ajeer-205	128	3	in	in	ADP
ajeer-205	128	4	many	many	ADJ
ajeer-205	128	5	cases	case	NOUN
ajeer-205	128	6	,	,	PUNCT
ajeer-205	128	7	the	the	DET
ajeer-205	128	8	variables	variable	NOUN
ajeer-205	128	9	do	do	AUX
ajeer-205	128	10	overlap	overlap	NOUN
ajeer-205	128	11	in	in	ADP
ajeer-205	128	12	different	different	ADJ
ajeer-205	128	13	studies	study	NOUN
ajeer-205	128	14	,	,	PUNCT
ajeer-205	128	15	which	which	PRON
ajeer-205	128	16	result	result	VERB
ajeer-205	128	17	in	in	ADP
ajeer-205	128	18	different	different	ADJ
ajeer-205	128	19	conclusions	conclusion	NOUN
ajeer-205	128	20	and	and	CCONJ
ajeer-205	128	21	inconsistent	inconsistent	ADJ
ajeer-205	128	22	findings	finding	NOUN
ajeer-205	128	23	.	.	PUNCT
ajeer-205	129	1	this	this	PRON
ajeer-205	129	2	generally	generally	ADV
ajeer-205	129	3	stems	stem	VERB
ajeer-205	129	4	from	from	ADP
ajeer-205	129	5	the	the	DET
ajeer-205	129	6	contextual	contextual	ADJ
ajeer-205	129	7	and	and	CCONJ
ajeer-205	129	8	geographical	geographical	ADJ
ajeer-205	129	9	variations	variation	NOUN
ajeer-205	129	10	across	across	ADP
ajeer-205	129	11	the	the	DET
ajeer-205	129	12	case	case	NOUN
ajeer-205	129	13	study	study	NOUN
ajeer-205	129	14	areas	area	NOUN
ajeer-205	129	15	.	.	PUNCT
ajeer-205	130	1	it	it	PRON
ajeer-205	130	2	may	may	AUX
ajeer-205	130	3	also	also	ADV
ajeer-205	130	4	arises	arise	VERB
ajeer-205	130	5	due	due	ADP
ajeer-205	130	6	to	to	ADP
ajeer-205	130	7	the	the	DET
ajeer-205	130	8	fact	fact	NOUN
ajeer-205	130	9	the	the	DET
ajeer-205	130	10	socio	socio	NOUN
ajeer-205	130	11	–	–	PUNCT
ajeer-205	130	12	economic	economic	ADJ
ajeer-205	130	13	conditions	condition	NOUN
ajeer-205	130	14	of	of	ADP
ajeer-205	130	15	households	household	NOUN
ajeer-205	130	16	given	give	VERB
ajeer-205	130	17	a	a	DET
ajeer-205	130	18	particular	particular	ADJ
ajeer-205	130	19	region	region	NOUN
ajeer-205	130	20	varies	vary	VERB
ajeer-205	130	21	with	with	ADP
ajeer-205	130	22	other	other	ADJ
ajeer-205	130	23	factors	factor	NOUN
ajeer-205	130	24	such	such	ADJ
ajeer-205	130	25	as	as	ADP
ajeer-205	130	26	the	the	DET
ajeer-205	130	27	quality	quality	NOUN
ajeer-205	130	28	of	of	ADP
ajeer-205	130	29	soil	soil	NOUN
ajeer-205	130	30	,	,	PUNCT
ajeer-205	130	31	climate	climate	NOUN
ajeer-205	130	32	conditions	condition	NOUN
ajeer-205	130	33	,	,	PUNCT
ajeer-205	130	34	cultural	cultural	ADJ
ajeer-205	130	35	practices	practice	NOUN
ajeer-205	130	36	,	,	PUNCT
ajeer-205	130	37	and	and	CCONJ
ajeer-205	130	38	the	the	DET
ajeer-205	130	39	characteristics	characteristic	NOUN
ajeer-205	130	40	of	of	ADP
ajeer-205	130	41	financial	financial	ADJ
ajeer-205	130	42	markets	market	NOUN
ajeer-205	130	43	.	.	PUNCT
ajeer-205	131	1	therefore	therefore	ADV
ajeer-205	131	2	,	,	PUNCT
ajeer-205	131	3	more	more	ADJ
ajeer-205	131	4	studies	study	NOUN
ajeer-205	131	5	are	be	AUX
ajeer-205	131	6	needed	need	VERB
ajeer-205	131	7	with	with	ADP
ajeer-205	131	8	respects	respect	NOUN
ajeer-205	131	9	to	to	ADP
ajeer-205	131	10	credit	credit	NOUN
ajeer-205	131	11	market	market	NOUN
ajeer-205	131	12	participation	participation	NOUN
ajeer-205	131	13	,	,	PUNCT
ajeer-205	131	14	the	the	DET
ajeer-205	131	15	amount	amount	NOUN
ajeer-205	131	16	of	of	ADP
ajeer-205	131	17	loan	loan	NOUN
ajeer-205	131	18	and	and	CCONJ
ajeer-205	131	19	the	the	DET
ajeer-205	131	20	choice	choice	NOUN
ajeer-205	131	21	of	of	ADP
ajeer-205	131	22	credit	credit	NOUN
ajeer-205	131	23	market	market	NOUN
ajeer-205	131	24	especially	especially	ADV
ajeer-205	131	25	in	in	ADP
ajeer-205	131	26	a	a	DET
ajeer-205	131	27	specific	specific	ADJ
ajeer-205	131	28	regions	region	NOUN
ajeer-205	131	29	of	of	ADP
ajeer-205	131	30	the	the	DET
ajeer-205	131	31	developing	develop	VERB
ajeer-205	131	32	countries	country	NOUN
ajeer-205	131	33	.	.	PUNCT
ajeer-205	132	1	so	so	ADV
ajeer-205	132	2	that	that	SCONJ
ajeer-205	132	3	the	the	DET
ajeer-205	132	4	findings	finding	NOUN
ajeer-205	132	5	of	of	ADP
ajeer-205	132	6	these	these	DET
ajeer-205	132	7	studies	study	NOUN
ajeer-205	132	8	will	will	AUX
ajeer-205	132	9	augment	augment	VERB
ajeer-205	132	10	some	some	DET
ajeer-205	132	11	policies	policy	NOUN
ajeer-205	132	12	that	that	PRON
ajeer-205	132	13	actually	actually	ADV
ajeer-205	132	14	reflect	reflect	VERB
ajeer-205	132	15	the	the	DET
ajeer-205	132	16	needs	need	NOUN
ajeer-205	132	17	of	of	ADP
ajeer-205	132	18	those	those	DET
ajeer-205	132	19	particular	particular	ADJ
ajeer-205	132	20	communities	community	NOUN
ajeer-205	132	21	for	for	ADP
ajeer-205	132	22	rural	rural	ADJ
ajeer-205	132	23	sustainable	sustainable	ADJ
ajeer-205	132	24	development	development	NOUN
ajeer-205	132	25	in	in	ADP
ajeer-205	132	26	general	general	ADJ
ajeer-205	132	27	and	and	CCONJ
ajeer-205	132	28	agriculture	agriculture	NOUN
ajeer-205	132	29	in	in	ADP
ajeer-205	132	30	particular	particular	ADJ
ajeer-205	132	31	.	.	PUNCT
ajeer-205	133	1	references	reference	NOUN
ajeer-205	133	2	bardhan	bardhan	VERB
ajeer-205	133	3	,	,	PUNCT
ajeer-205	133	4	p.	p.	NOUN
ajeer-205	133	5	and	and	CCONJ
ajeer-205	133	6	c.	c.	PROPN
ajeer-205	133	7	udry	udry	PROPN
ajeer-205	133	8	,	,	PUNCT
ajeer-205	133	9	1999	1999	NUM
ajeer-205	133	10	.	.	PUNCT
ajeer-205	134	1	development	development	NOUN
ajeer-205	134	2	microeconomics	microeconomics	PROPN
ajeer-205	134	3	.	.	PUNCT
ajeer-205	135	1	new	new	PROPN
ajeer-205	135	2	york	york	PROPN
ajeer-205	135	3	:	:	PUNCT
ajeer-205	135	4	oxford	oxford	PROPN
ajeer-205	135	5	university	university	PROPN
ajeer-205	135	6	press	press	NOUN
ajeer-205	135	7	.	.	PUNCT
ajeer-205	136	1	barslund	barslund	PROPN
ajeer-205	136	2	,	,	PUNCT
ajeer-205	136	3	m.	m.	NOUN
ajeer-205	136	4	and	and	CCONJ
ajeer-205	136	5	f.	f.	PROPN
ajeer-205	136	6	tarp	tarp	PROPN
ajeer-205	136	7	,	,	PUNCT
ajeer-205	136	8	2008	2008	NUM
ajeer-205	136	9	.	.	PUNCT
ajeer-205	137	1	formal	formal	ADJ
ajeer-205	137	2	and	and	CCONJ
ajeer-205	137	3	informal	informal	ADJ
ajeer-205	137	4	rural	rural	ADJ
ajeer-205	137	5	credit	credit	NOUN
ajeer-205	137	6	in	in	ADP
ajeer-205	137	7	four	four	NUM
ajeer-205	137	8	provinces	province	NOUN
ajeer-205	137	9	of	of	ADP
ajeer-205	137	10	vietnam	vietnam	PROPN
ajeer-205	137	11	.	.	PUNCT
ajeer-205	138	1	journal	journal	PROPN
ajeer-205	138	2	of	of	ADP
ajeer-205	138	3	development	development	NOUN
ajeer-205	138	4	studies	study	NOUN
ajeer-205	138	5	,	,	PUNCT
ajeer-205	138	6	44(4	44(4	NOUN
ajeer-205	138	7	):	):	PUNCT
ajeer-205	138	8	485	485	NUM
ajeer-205	138	9	–	–	PUNCT
ajeer-205	138	10	503	503	NUM
ajeer-205	138	11	.	.	PUNCT
ajeer-205	139	1	bell	bell	PROPN
ajeer-205	139	2	,	,	PUNCT
ajeer-205	139	3	c.	c.	PROPN
ajeer-205	139	4	,	,	PUNCT
ajeer-205	139	5	1990	1990	NUM
ajeer-205	139	6	.	.	PUNCT
ajeer-205	140	1	interactions	interaction	NOUN
ajeer-205	140	2	between	between	ADP
ajeer-205	140	3	institutional	institutional	ADJ
ajeer-205	140	4	and	and	CCONJ
ajeer-205	140	5	informal	informal	ADJ
ajeer-205	140	6	credit	credit	NOUN
ajeer-205	140	7	agencies	agency	NOUN
ajeer-205	140	8	in	in	ADP
ajeer-205	140	9	rural	rural	ADJ
ajeer-205	140	10	india	india	PROPN
ajeer-205	140	11	.	.	PUNCT
ajeer-205	141	1	world	world	PROPN
ajeer-205	141	2	bank	bank	PROPN
ajeer-205	141	3	econ	econ	PROPN
ajeer-205	141	4	.	.	PUNCT
ajeer-205	142	1	rev	rev	PROPN
ajeer-205	142	2	,	,	PUNCT
ajeer-205	142	3	4(3	4(3	NUM
ajeer-205	142	4	):	):	PUNCT
ajeer-205	142	5	297–327	297–327	NUM
ajeer-205	142	6	.	.	PUNCT
ajeer-205	143	1	bell	bell	PROPN
ajeer-205	143	2	,	,	PUNCT
ajeer-205	143	3	c.	c.	PROPN
ajeer-205	143	4	,	,	PUNCT
ajeer-205	143	5	t.n	t.n	PROPN
ajeer-205	143	6	.	.	PROPN
ajeer-205	143	7	srinivasan	srinivasan	NOUN
ajeer-205	143	8	and	and	CCONJ
ajeer-205	143	9	c.	c.	PROPN
ajeer-205	143	10	udry	udry	PROPN
ajeer-205	143	11	,	,	PUNCT
ajeer-205	143	12	1997	1997	NUM
ajeer-205	143	13	.	.	PUNCT
ajeer-205	144	1	rationing	ration	VERB
ajeer-205	144	2	,	,	PUNCT
ajeer-205	144	3	spillover	spillover	VERB
ajeer-205	144	4	,	,	PUNCT
ajeer-205	144	5	and	and	CCONJ
ajeer-205	144	6	interlinking	interlink	VERB
ajeer-205	144	7	in	in	ADP
ajeer-205	144	8	credit	credit	NOUN
ajeer-205	144	9	markets	market	NOUN
ajeer-205	144	10	:	:	PUNCT
ajeer-205	144	11	the	the	DET
ajeer-205	144	12	case	case	NOUN
ajeer-205	144	13	of	of	ADP
ajeer-205	144	14	rural	rural	ADJ
ajeer-205	144	15	punjab	punjab	NOUN
ajeer-205	144	16	.	.	PUNCT
ajeer-205	145	1	oxford	oxford	PROPN
ajeer-205	145	2	economic	economic	ADJ
ajeer-205	145	3	papers	paper	NOUN
ajeer-205	145	4	,	,	PUNCT
ajeer-205	145	5	49(4	49(4	NOUN
ajeer-205	145	6	):	):	PUNCT
ajeer-205	145	7	557–585	557–585	NUM
ajeer-205	145	8	.	.	PUNCT
ajeer-205	146	1	bendig	bendig	PROPN
ajeer-205	146	2	,	,	PUNCT
ajeer-205	146	3	m.	m.	NOUN
ajeer-205	146	4	,	,	PUNCT
ajeer-205	146	5	l.	l.	PROPN
ajeer-205	146	6	giesbert	giesbert	PROPN
ajeer-205	146	7	and	and	CCONJ
ajeer-205	146	8	s.	s.	PROPN
ajeer-205	146	9	steiner	steiner	PROPN
ajeer-205	146	10	,	,	PUNCT
ajeer-205	146	11	2009	2009	NUM
ajeer-205	146	12	.	.	PUNCT
ajeer-205	147	1	savings	saving	NOUN
ajeer-205	147	2	,	,	PUNCT
ajeer-205	147	3	credit	credit	NOUN
ajeer-205	147	4	and	and	CCONJ
ajeer-205	147	5	insurance	insurance	NOUN
ajeer-205	147	6	:	:	PUNCT
ajeer-205	147	7	household	household	NOUN
ajeer-205	147	8	demand	demand	NOUN
ajeer-205	147	9	for	for	ADP
ajeer-205	147	10	formal	formal	ADJ
ajeer-205	147	11	financial	financial	ADJ
ajeer-205	147	12	services	service	NOUN
ajeer-205	147	13	in	in	ADP
ajeer-205	147	14	rural	rural	ADJ
ajeer-205	147	15	ghana	ghana	PROPN
ajeer-205	147	16	.	.	PUNCT
ajeer-205	148	1	working	work	VERB
ajeer-205	148	2	paper	paper	PROPN
ajeer-205	148	3	no	no	INTJ
ajeer-205	148	4	.	.	PROPN
ajeer-205	148	5	94	94	NUM
ajeer-205	148	6	,	,	PUNCT
ajeer-205	148	7	german	german	ADJ
ajeer-205	148	8	institute	institute	NOUN
ajeer-205	148	9	of	of	ADP
ajeer-205	148	10	global	global	ADJ
ajeer-205	148	11	and	and	CCONJ
ajeer-205	148	12	area	area	NOUN
ajeer-205	148	13	studies	study	NOUN
ajeer-205	148	14	.	.	PUNCT
ajeer-205	149	1	besley	besley	NOUN
ajeer-205	149	2	,	,	PUNCT
ajeer-205	149	3	t.	t.	PROPN
ajeer-205	149	4	,	,	PUNCT
ajeer-205	149	5	1995	1995	NUM
ajeer-205	149	6	.	.	PUNCT
ajeer-205	150	1	nonmarket	nonmarket	NOUN
ajeer-205	150	2	institutions	institution	NOUN
ajeer-205	150	3	for	for	ADP
ajeer-205	150	4	credit	credit	NOUN
ajeer-205	150	5	and	and	CCONJ
ajeer-205	150	6	risk	risk	NOUN
ajeer-205	150	7	sharing	sharing	NOUN
ajeer-205	150	8	in	in	ADP
ajeer-205	150	9	low	low	ADJ
ajeer-205	150	10	-	-	PUNCT
ajeer-205	150	11	income	income	NOUN
ajeer-205	150	12	countries	country	NOUN
ajeer-205	150	13	.	.	PUNCT
ajeer-205	151	1	journal	journal	NOUN
ajeer-205	151	2	of	of	ADP
ajeer-205	151	3	economic	economic	ADJ
ajeer-205	151	4	perspectives	perspective	NOUN
ajeer-205	151	5	,	,	PUNCT
ajeer-205	151	6	9(3	9(3	NUM
ajeer-205	151	7	):	):	PUNCT
ajeer-205	151	8	115–127	115–127	NUM
ajeer-205	151	9	.	.	PUNCT
ajeer-205	152	1	carter	carter	PROPN
ajeer-205	152	2	,	,	PUNCT
ajeer-205	152	3	m.r	m.r	PROPN
ajeer-205	152	4	.	.	PROPN
ajeer-205	152	5	,	,	PUNCT
ajeer-205	152	6	1984	1984	NUM
ajeer-205	152	7	.	.	PUNCT
ajeer-205	153	1	identification	identification	NOUN
ajeer-205	153	2	of	of	ADP
ajeer-205	153	3	the	the	DET
ajeer-205	153	4	inverse	inverse	NOUN
ajeer-205	153	5	relationship	relationship	NOUN
ajeer-205	153	6	between	between	ADP
ajeer-205	153	7	farm	farm	NOUN
ajeer-205	153	8	size	size	NOUN
ajeer-205	153	9	and	and	CCONJ
ajeer-205	153	10	productivity	productivity	NOUN
ajeer-205	153	11	:	:	PUNCT
ajeer-205	153	12	an	an	DET
ajeer-205	153	13	empirical	empirical	ADJ
ajeer-205	153	14	analysis	analysis	NOUN
ajeer-205	153	15	of	of	ADP
ajeer-205	153	16	peasant	peasant	ADJ
ajeer-205	153	17	agricultural	agricultural	ADJ
ajeer-205	153	18	production	production	NOUN
ajeer-205	153	19	.	.	PUNCT
ajeer-205	154	1	oxford	oxford	ADJ
ajeer-205	154	2	economic	economic	ADJ
ajeer-205	154	3	papers	paper	NOUN
ajeer-205	154	4	,	,	PUNCT
ajeer-205	154	5	36(1	36(1	NUM
ajeer-205	154	6	):	):	PUNCT
ajeer-205	154	7	131	131	NUM
ajeer-205	154	8	-	-	SYM
ajeer-205	154	9	145	145	NUM
ajeer-205	154	10	.	.	PUNCT
ajeer-205	155	1	chen	chen	PROPN
ajeer-205	155	2	,	,	PUNCT
ajeer-205	155	3	k.c	k.c	PROPN
ajeer-205	155	4	.	.	PROPN
ajeer-205	155	5	and	and	CCONJ
ajeer-205	155	6	m.	m.	NOUN
ajeer-205	155	7	chiivakul	chiivakul	PROPN
ajeer-205	155	8	,	,	PUNCT
ajeer-205	155	9	2008	2008	NUM
ajeer-205	155	10	.	.	PUNCT
ajeer-205	156	1	what	what	PRON
ajeer-205	156	2	drives	drive	VERB
ajeer-205	156	3	household	household	NOUN
ajeer-205	156	4	borrowing	borrowing	NOUN
ajeer-205	156	5	and	and	CCONJ
ajeer-205	156	6	credit	credit	NOUN
ajeer-205	156	7	constraints	constraint	NOUN
ajeer-205	156	8	?	?	PUNCT
ajeer-205	157	1	evidence	evidence	NOUN
ajeer-205	157	2	from	from	ADP
ajeer-205	157	3	bosnia	bosnia	PROPN
ajeer-205	157	4	and	and	CCONJ
ajeer-205	157	5	herzegovina	herzegovina	PROPN
ajeer-205	157	6	.	.	PUNCT
ajeer-205	158	1	new	new	PROPN
ajeer-205	158	2	york	york	PROPN
ajeer-205	158	3	.	.	PUNCT
ajeer-205	159	1	imf	imf	PROPN
ajeer-205	159	2	working	working	PROPN
ajeer-205	159	3	papers	paper	NOUN
ajeer-205	159	4	,	,	PUNCT
ajeer-205	159	5	08(202	08(202	PROPN
ajeer-205	159	6	):	):	PUNCT
ajeer-205	159	7	1	1	NUM
ajeer-205	159	8	-	-	SYM
ajeer-205	159	9	31	31	NUM
ajeer-205	159	10	.	.	PUNCT
ajeer-205	160	1	diagne	diagne	PROPN
ajeer-205	160	2	,	,	PUNCT
ajeer-205	160	3	a.	a.	NOUN
ajeer-205	160	4	,	,	PUNCT
ajeer-205	160	5	m.	m.	NOUN
ajeer-205	160	6	zeller	zeller	PROPN
ajeer-205	160	7	and	and	CCONJ
ajeer-205	160	8	m.	m.	PROPN
ajeer-205	160	9	sharma	sharma	PROPN
ajeer-205	160	10	,	,	PUNCT
ajeer-205	160	11	2000	2000	NUM
ajeer-205	160	12	.	.	PUNCT
ajeer-205	161	1	empirical	empirical	ADJ
ajeer-205	161	2	measurements	measurement	NOUN
ajeer-205	161	3	of	of	ADP
ajeer-205	161	4	households	household	NOUN
ajeer-205	161	5	access	access	NOUN
ajeer-205	161	6	to	to	ADP
ajeer-205	161	7	credit	credit	NOUN
ajeer-205	161	8	and	and	CCONJ
ajeer-205	161	9	credit	credit	NOUN
ajeer-205	161	10	constraints	constraint	NOUN
ajeer-205	161	11	in	in	ADP
ajeer-205	161	12	developing	develop	VERB
ajeer-205	161	13	countries	country	NOUN
ajeer-205	161	14	:	:	PUNCT
ajeer-205	161	15	methodological	methodological	ADJ
ajeer-205	161	16	issues	issue	NOUN
ajeer-205	161	17	and	and	CCONJ
ajeer-205	161	18	evidence	evidence	NOUN
ajeer-205	161	19	.	.	PUNCT
ajeer-205	162	1	working	work	VERB
ajeer-205	162	2	paper	paper	NOUN
ajeer-205	162	3	,	,	PUNCT
ajeer-205	162	4	no	no	INTJ
ajeer-205	162	5	.	.	NOUN
ajeer-205	162	6	90	90	NUM
ajeer-205	162	7	.	.	PUNCT
ajeer-205	163	1	duflo	duflo	PROPN
ajeer-205	163	2	,	,	PUNCT
ajeer-205	163	3	e.	e.	PROPN
ajeer-205	163	4	,	,	PUNCT
ajeer-205	163	5	b.	b.	PROPN
ajeer-205	164	1	crepon	crepon	PROPN
ajeer-205	164	2	,	,	PUNCT
ajeer-205	164	3	w.	w.	PROPN
ajeer-205	164	4	pariente	pariente	PROPN
ajeer-205	164	5	and	and	CCONJ
ajeer-205	164	6	f.	f.	PROPN
ajeer-205	164	7	devoto	devoto	PROPN
ajeer-205	164	8	,	,	PUNCT
ajeer-205	164	9	2008	2008	NUM
ajeer-205	164	10	.	.	PUNCT
ajeer-205	165	1	poverty	poverty	NOUN
ajeer-205	165	2	,	,	PUNCT
ajeer-205	165	3	access	access	NOUN
ajeer-205	165	4	to	to	ADP
ajeer-205	165	5	credit	credit	NOUN
ajeer-205	165	6	and	and	CCONJ
ajeer-205	165	7	the	the	DET
ajeer-205	165	8	determinants	determinant	NOUN
ajeer-205	165	9	of	of	ADP
ajeer-205	165	10	participation	participation	NOUN
ajeer-205	165	11	in	in	ADP
ajeer-205	165	12	a	a	DET
ajeer-205	165	13	new	new	ADJ
ajeer-205	165	14	microcredit	microcredit	NOUN
ajeer-205	165	15	programme	programme	NOUN
ajeer-205	165	16	in	in	ADP
ajeer-205	165	17	rural	rural	ADJ
ajeer-205	165	18	areas	area	NOUN
ajeer-205	165	19	of	of	ADP
ajeer-205	165	20	morocco	morocco	PROPN
ajeer-205	165	21	.	.	PUNCT
ajeer-205	166	1	impact	impact	NOUN
ajeer-205	166	2	analyses	analysis	NOUN
ajeer-205	166	3	series	series	NOUN
ajeer-205	166	4	,	,	PUNCT
ajeer-205	166	5	no	no	INTJ
ajeer-205	166	6	.	.	PROPN
ajeer-205	166	7	02	02	NUM
ajeer-205	166	8	:	:	PUNCT
ajeer-205	166	9	1	1	NUM
ajeer-205	166	10	-	-	SYM
ajeer-205	166	11	40	40	NUM
ajeer-205	166	12	.	.	PUNCT
ajeer-205	167	1	eswaran	eswaran	PROPN
ajeer-205	167	2	,	,	PUNCT
ajeer-205	167	3	m.	m.	NOUN
ajeer-205	167	4	and	and	CCONJ
ajeer-205	167	5	a.	a.	NOUN
ajeer-205	167	6	kotwal	kotwal	NOUN
ajeer-205	167	7	,	,	PUNCT
ajeer-205	167	8	1990	1990	NUM
ajeer-205	167	9	.	.	PUNCT
ajeer-205	168	1	implications	implication	NOUN
ajeer-205	168	2	of	of	ADP
ajeer-205	168	3	credit	credit	NOUN
ajeer-205	168	4	constraints	constraint	NOUN
ajeer-205	168	5	for	for	ADP
ajeer-205	168	6	risk	risk	NOUN
ajeer-205	168	7	behaviour	behaviour	NOUN
ajeer-205	168	8	in	in	ADP
ajeer-205	168	9	less	less	ADJ
ajeer-205	168	10	developed	develop	VERB
ajeer-205	168	11	economies	economy	NOUN
ajeer-205	168	12	.	.	PUNCT
ajeer-205	169	1	oxford	oxford	ADJ
ajeer-205	169	2	economic	economic	ADJ
ajeer-205	169	3	papers	paper	NOUN
ajeer-205	169	4	,	,	PUNCT
ajeer-205	169	5	42(2	42(2	NUM
ajeer-205	169	6	):	):	PUNCT
ajeer-205	169	7	473	473	NUM
ajeer-205	169	8	-	-	SYM
ajeer-205	169	9	482	482	NUM
ajeer-205	169	10	.	.	PUNCT
ajeer-205	169	11	ewuola	ewuola	PROPN
ajeer-205	169	12	,	,	PUNCT
ajeer-205	169	13	s.o	s.o	PROPN
ajeer-205	169	14	.	.	PROPN
ajeer-205	169	15	and	and	CCONJ
ajeer-205	169	16	s.k	s.k	PROPN
ajeer-205	169	17	.	.	PROPN
ajeer-205	169	18	williams	williams	PROPN
ajeer-205	169	19	,	,	PUNCT
ajeer-205	169	20	1995	1995	NUM
ajeer-205	169	21	.	.	PUNCT
ajeer-205	170	1	effects	effect	NOUN
ajeer-205	170	2	of	of	ADP
ajeer-205	170	3	institutional	institutional	ADJ
ajeer-205	170	4	and	and	CCONJ
ajeer-205	170	5	borrowers	borrower	NOUN
ajeer-205	170	6	’	’	PART
ajeer-205	170	7	characteristics	characteristic	NOUN
ajeer-205	170	8	on	on	ADP
ajeer-205	170	9	loan	loan	NOUN
ajeer-205	170	10	recovery	recovery	NOUN
ajeer-205	170	11	:	:	PUNCT
ajeer-205	170	12	a	a	DET
ajeer-205	170	13	study	study	NOUN
ajeer-205	170	14	of	of	ADP
ajeer-205	170	15	ondo	ondo	NOUN
ajeer-205	170	16	state	state	NOUN
ajeer-205	170	17	agricultural	agricultural	ADJ
ajeer-205	170	18	credit	credit	NOUN
ajeer-205	170	19	corpoartion	corpoartion	NOUN
ajeer-205	170	20	.	.	PUNCT
ajeer-205	171	1	journal	journal	PROPN
ajeer-205	171	2	of	of	ADP
ajeer-205	171	3	agriculture	agriculture	PROPN
ajeer-205	171	4	,	,	PUNCT
ajeer-205	171	5	food	food	NOUN
ajeer-205	171	6	and	and	CCONJ
ajeer-205	171	7	development	development	NOUN
ajeer-205	171	8	,	,	PUNCT
ajeer-205	171	9	1(2	1(2	NUM
ajeer-205	171	10	):	):	PUNCT
ajeer-205	171	11	104	104	NUM
ajeer-205	171	12	-	-	SYM
ajeer-205	171	13	113	113	NUM
ajeer-205	171	14	.	.	PUNCT
ajeer-205	172	1	feder	feder	PROPN
ajeer-205	172	2	,	,	PUNCT
ajeer-205	172	3	g.	g.	PROPN
ajeer-205	172	4	,	,	PUNCT
ajeer-205	172	5	l.j	l.j	PROPN
ajeer-205	172	6	.	.	PROPN
ajeer-205	172	7	lau	lau	PROPN
ajeer-205	172	8	,	,	PUNCT
ajeer-205	172	9	j.y	j.y	PROPN
ajeer-205	172	10	.	.	PROPN
ajeer-205	172	11	lin	lin	PROPN
ajeer-205	172	12	and	and	CCONJ
ajeer-205	172	13	x.	x.	PROPN
ajeer-205	172	14	luo	luo	PROPN
ajeer-205	172	15	,	,	PUNCT
ajeer-205	172	16	1990	1990	NUM
ajeer-205	172	17	.	.	PUNCT
ajeer-205	173	1	the	the	DET
ajeer-205	173	2	relationship	relationship	NOUN
ajeer-205	173	3	between	between	ADP
ajeer-205	173	4	credit	credit	NOUN
ajeer-205	173	5	and	and	CCONJ
ajeer-205	173	6	productivity	productivity	NOUN
ajeer-205	173	7	in	in	ADP
ajeer-205	173	8	chinese	chinese	ADJ
ajeer-205	173	9	agriculture	agriculture	NOUN
ajeer-205	173	10	:	:	PUNCT
ajeer-205	173	11	a	a	DET
ajeer-205	173	12	microeconomic	microeconomic	ADJ
ajeer-205	173	13	model	model	NOUN
ajeer-205	173	14	of	of	ADP
ajeer-205	173	15	disequilibrium	disequilibrium	NOUN
ajeer-205	173	16	.	.	PUNCT
ajeer-205	174	1	american	american	PROPN
ajeer-205	174	2	journal	journal	PROPN
ajeer-205	174	3	of	of	ADP
ajeer-205	174	4	agricultural	agricultural	ADJ
ajeer-205	174	5	economics	economic	NOUN
ajeer-205	174	6	,	,	PUNCT
ajeer-205	174	7	72(5	72(5	NOUN
ajeer-205	174	8	):	):	PUNCT
ajeer-205	174	9	1151	1151	NUM
ajeer-205	174	10	-	-	SYM
ajeer-205	174	11	1157	1157	NUM
ajeer-205	174	12	.	.	PUNCT
ajeer-205	175	1	fletschner	fletschner	NOUN
ajeer-205	175	2	,	,	PUNCT
ajeer-205	175	3	d.	d.	PROPN
ajeer-205	175	4	and	and	CCONJ
ajeer-205	175	5	m.r	m.r	PROPN
ajeer-205	175	6	.	.	PROPN
ajeer-205	175	7	carter	carter	PROPN
ajeer-205	175	8	,	,	PUNCT
ajeer-205	175	9	2008	2008	NUM
ajeer-205	175	10	.	.	PUNCT
ajeer-205	176	1	constructing	construct	VERB
ajeer-205	176	2	and	and	CCONJ
ajeer-205	176	3	reconstructing	reconstruct	VERB
ajeer-205	176	4	gender	gender	NOUN
ajeer-205	176	5	:	:	PUNCT
ajeer-205	176	6	reference	reference	NOUN
ajeer-205	176	7	group	group	NOUN
ajeer-205	176	8	effects	effect	NOUN
ajeer-205	176	9	and	and	CCONJ
ajeer-205	176	10	women	woman	NOUN
ajeer-205	176	11	’s	’s	PART
ajeer-205	176	12	demand	demand	NOUN
ajeer-205	176	13	for	for	ADP
ajeer-205	176	14	entrepreneurial	entrepreneurial	ADJ
ajeer-205	176	15	capital	capital	NOUN
ajeer-205	176	16	.	.	PUNCT
ajeer-205	177	1	journal	journal	PROPN
ajeer-205	177	2	of	of	ADP
ajeer-205	177	3	socio	socio	NOUN
ajeer-205	177	4	-	-	PUNCT
ajeer-205	177	5	economics	economic	NOUN
ajeer-205	177	6	,	,	PUNCT
ajeer-205	177	7	37(2	37(2	PRON
ajeer-205	177	8	):	):	PUNCT
ajeer-205	177	9	672–693	672–693	NUM
ajeer-205	177	10	.	.	PUNCT
ajeer-205	178	1	foltz	foltz	PROPN
ajeer-205	178	2	,	,	PUNCT
ajeer-205	178	3	j.d	j.d	PROPN
ajeer-205	178	4	.	.	PROPN
ajeer-205	178	5	,	,	PUNCT
ajeer-205	178	6	2004	2004	NUM
ajeer-205	178	7	.	.	PUNCT
ajeer-205	179	1	credit	credit	NOUN
ajeer-205	179	2	market	market	NOUN
ajeer-205	179	3	access	access	NOUN
ajeer-205	179	4	and	and	CCONJ
ajeer-205	179	5	profitability	profitability	NOUN
ajeer-205	179	6	in	in	ADP
ajeer-205	179	7	tunisian	tunisian	ADJ
ajeer-205	179	8	agriculture	agriculture	NOUN
ajeer-205	179	9	.	.	PUNCT
ajeer-205	180	1	agricultural	agricultural	ADJ
ajeer-205	180	2	economics	economic	NOUN
ajeer-205	180	3	,	,	PUNCT
ajeer-205	180	4	30(3	30(3	NUM
ajeer-205	180	5	):	):	PUNCT
ajeer-205	180	6	229–240	229–240	NUM
ajeer-205	180	7	.	.	PUNCT
ajeer-205	180	8	guirkinger	guirkinger	NOUN
ajeer-205	180	9	,	,	PUNCT
ajeer-205	180	10	c.	c.	PROPN
ajeer-205	180	11	and	and	CCONJ
ajeer-205	180	12	s.r	s.r	PROPN
ajeer-205	180	13	.	.	PROPN
ajeer-205	180	14	boucher	boucher	PROPN
ajeer-205	180	15	,	,	PUNCT
ajeer-205	180	16	2008	2008	NUM
ajeer-205	180	17	.	.	PUNCT
ajeer-205	181	1	credit	credit	NOUN
ajeer-205	181	2	constraints	constraint	NOUN
ajeer-205	181	3	and	and	CCONJ
ajeer-205	181	4	productivity	productivity	NOUN
ajeer-205	181	5	in	in	ADP
ajeer-205	181	6	peruvian	peruvian	ADJ
ajeer-205	181	7	agriculture	agriculture	NOUN
ajeer-205	181	8	.	.	PUNCT
ajeer-205	182	1	agricultural	agricultural	ADJ
ajeer-205	182	2	economics	economic	NOUN
ajeer-205	182	3	,	,	PUNCT
ajeer-205	182	4	39(3	39(3	NUM
ajeer-205	182	5	):	):	PUNCT
ajeer-205	182	6	295–308	295–308	NUM
ajeer-205	182	7	.	.	PUNCT
ajeer-205	183	1	hoff	hoff	PROPN
ajeer-205	183	2	,	,	PUNCT
ajeer-205	183	3	k.	k.	PROPN
ajeer-205	183	4	and	and	CCONJ
ajeer-205	183	5	j.e	j.e	PROPN
ajeer-205	183	6	.	.	PROPN
ajeer-205	183	7	stiglitz	stiglitz	PROPN
ajeer-205	183	8	,	,	PUNCT
ajeer-205	183	9	1990	1990	NUM
ajeer-205	183	10	.	.	PUNCT
ajeer-205	184	1	imperfect	imperfect	ADJ
ajeer-205	184	2	and	and	CCONJ
ajeer-205	184	3	rural	rural	ADJ
ajeer-205	184	4	information	information	NOUN
ajeer-205	184	5	credit	credit	NOUN
ajeer-205	184	6	markets	market	NOUN
ajeer-205	184	7	-	-	PUNCT
ajeer-205	184	8	puzzles	puzzle	NOUN
ajeer-205	184	9	and	and	CCONJ
ajeer-205	184	10	policy	policy	NOUN
ajeer-205	184	11	perspectives	perspective	NOUN
ajeer-205	184	12	.	.	PUNCT
ajeer-205	185	1	world	world	PROPN
ajeer-205	185	2	bank	bank	PROPN
ajeer-205	185	3	economic	economic	PROPN
ajeer-205	185	4	review	review	PROPN
ajeer-205	185	5	,	,	PUNCT
ajeer-205	185	6	4(3	4(3	NUM
ajeer-205	185	7	):	):	PUNCT
ajeer-205	185	8	235–250	235–250	NUM
ajeer-205	185	9	.	.	PUNCT
ajeer-205	186	1	kochar	kochar	PROPN
ajeer-205	186	2	,	,	PUNCT
ajeer-205	186	3	a.	a.	NOUN
ajeer-205	186	4	,	,	PUNCT
ajeer-205	186	5	1997	1997	NUM
ajeer-205	186	6	.	.	PUNCT
ajeer-205	187	1	an	an	DET
ajeer-205	187	2	empirical	empirical	ADJ
ajeer-205	187	3	investigation	investigation	NOUN
ajeer-205	187	4	of	of	ADP
ajeer-205	187	5	rationing	ration	VERB
ajeer-205	187	6	constraints	constraint	NOUN
ajeer-205	187	7	in	in	ADP
ajeer-205	187	8	rural	rural	ADJ
ajeer-205	187	9	credit	credit	NOUN
ajeer-205	187	10	markets	market	NOUN
ajeer-205	187	11	in	in	ADP
ajeer-205	187	12	india	india	PROPN
ajeer-205	187	13	.	.	PUNCT
ajeer-205	188	1	journal	journal	PROPN
ajeer-205	188	2	of	of	ADP
ajeer-205	188	3	development	development	NOUN
ajeer-205	188	4	economics	economic	NOUN
ajeer-205	188	5	,	,	PUNCT
ajeer-205	188	6	53(2	53(2	NUM
ajeer-205	188	7	):	):	PUNCT
ajeer-205	188	8	339–371	339–371	NUM
ajeer-205	188	9	.	.	PUNCT
ajeer-205	189	1	koomson	koomson	PROPN
ajeer-205	189	2	,	,	PUNCT
ajeer-205	189	3	i.	i.	PROPN
ajeer-205	189	4	,	,	PUNCT
ajeer-205	189	5	s.k	s.k	PROPN
ajeer-205	189	6	.	.	PROPN
ajeer-205	189	7	annim	annim	PROPN
ajeer-205	189	8	and	and	CCONJ
ajeer-205	189	9	j.a	j.a	PROPN
ajeer-205	189	10	.	.	PROPN
ajeer-205	189	11	peprah	peprah	PROPN
ajeer-205	189	12	,	,	PUNCT
ajeer-205	189	13	2014	2014	NUM
ajeer-205	189	14	.	.	PUNCT
ajeer-205	190	1	loan	loan	NOUN
ajeer-205	190	2	refusal	refusal	NOUN
ajeer-205	190	3	,	,	PUNCT
ajeer-205	190	4	household	household	NOUN
ajeer-205	190	5	income	income	NOUN
ajeer-205	190	6	and	and	CCONJ
ajeer-205	190	7	savings	saving	NOUN
ajeer-205	190	8	in	in	ADP
ajeer-205	190	9	ghana	ghana	PROPN
ajeer-205	190	10	.	.	PUNCT
ajeer-205	191	1	munich	munich	PROPN
ajeer-205	191	2	personal	personal	PROPN
ajeer-205	191	3	repec	repec	PROPN
ajeer-205	191	4	archive	archive	PROPN
ajeer-205	191	5	,	,	PUNCT
ajeer-205	191	6	no	no	NOUN
ajeer-205	191	7	.	.	PUNCT
ajeer-205	192	1	58049	58049	NUM
ajeer-205	192	2	:	:	PUNCT
ajeer-205	193	1	1	1	NUM
ajeer-205	193	2	-	-	SYM
ajeer-205	193	3	20	20	NUM
ajeer-205	193	4	.	.	PUNCT
ajeer-205	194	1	kumar	kumar	PROPN
ajeer-205	194	2	,	,	PUNCT
ajeer-205	194	3	a.	a.	PROPN
ajeer-205	194	4	,	,	PUNCT
ajeer-205	194	5	k.	k.	PROPN
ajeer-205	194	6	singh	singh	PROPN
ajeer-205	194	7	and	and	CCONJ
ajeer-205	194	8	s.	s.	PROPN
ajeer-205	194	9	sinha	sinha	PROPN
ajeer-205	194	10	,	,	PUNCT
ajeer-205	194	11	2010	2010	NUM
ajeer-205	194	12	.	.	PUNCT
ajeer-205	195	1	institutional	institutional	ADJ
ajeer-205	195	2	credit	credit	NOUN
ajeer-205	195	3	to	to	ADP
ajeer-205	195	4	agriculture	agriculture	NOUN
ajeer-205	195	5	sector	sector	NOUN
ajeer-205	195	6	in	in	ADP
ajeer-205	195	7	india	india	PROPN
ajeer-205	195	8	:	:	PUNCT
ajeer-205	195	9	status	status	NOUN
ajeer-205	195	10	,	,	PUNCT
ajeer-205	195	11	performance	performance	NOUN
ajeer-205	195	12	and	and	CCONJ
ajeer-205	195	13	determinants	determinant	NOUN
ajeer-205	195	14	.	.	PUNCT
ajeer-205	196	1	agricultural	agricultural	ADJ
ajeer-205	196	2	economics	economics	PROPN
ajeer-205	196	3	research	research	PROPN
ajeer-205	196	4	review	review	PROPN
ajeer-205	196	5	,	,	PUNCT
ajeer-205	196	6	23(2	23(2	NUM
ajeer-205	196	7	):	):	PUNCT
ajeer-205	196	8	253–264	253–264	NUM
ajeer-205	196	9	.	.	PUNCT
ajeer-205	197	1	magri	magri	NOUN
ajeer-205	197	2	,	,	PUNCT
ajeer-205	197	3	s.	s.	PROPN
ajeer-205	197	4	,	,	PUNCT
ajeer-205	197	5	2002	2002	NUM
ajeer-205	197	6	.	.	PUNCT
ajeer-205	198	1	italian	italian	ADJ
ajeer-205	198	2	households	household	NOUN
ajeer-205	198	3	'	'	PART
ajeer-205	198	4	debt	debt	NOUN
ajeer-205	198	5	:	:	PUNCT
ajeer-205	198	6	determinants	determinant	NOUN
ajeer-205	198	7	of	of	ADP
ajeer-205	198	8	demand	demand	NOUN
ajeer-205	198	9	and	and	CCONJ
ajeer-205	198	10	supply	supply	NOUN
ajeer-205	198	11	.	.	PUNCT
ajeer-205	199	1	banca	banca	PROPN
ajeer-205	199	2	d'italia	d'italia	PROPN
ajeer-205	199	3	,	,	PUNCT
ajeer-205	199	4	no	no	INTJ
ajeer-205	199	5	.	.	NOUN
ajeer-205	199	6	454	454	NUM
ajeer-205	199	7	,	,	PUNCT
ajeer-205	199	8	454	454	NUM
ajeer-205	199	9	:	:	SYM
ajeer-205	199	10	1	1	NUM
ajeer-205	199	11	-	-	SYM
ajeer-205	199	12	53	53	NUM
ajeer-205	199	13	.	.	PUNCT
ajeer-205	200	1	mohieldin	mohieldin	PROPN
ajeer-205	200	2	,	,	PUNCT
ajeer-205	200	3	m.s	m.s	PROPN
ajeer-205	200	4	.	.	PROPN
ajeer-205	201	1	and	and	CCONJ
ajeer-205	201	2	p.w	p.w	PROPN
ajeer-205	201	3	.	.	PROPN
ajeer-205	201	4	wright	wright	PROPN
ajeer-205	201	5	,	,	PUNCT
ajeer-205	201	6	2000	2000	NUM
ajeer-205	201	7	.	.	PUNCT
ajeer-205	202	1	formal	formal	ADJ
ajeer-205	202	2	and	and	CCONJ
ajeer-205	202	3	informal	informal	ADJ
ajeer-205	202	4	credit	credit	NOUN
ajeer-205	202	5	markets	market	NOUN
ajeer-205	202	6	in	in	ADP
ajeer-205	202	7	egypt	egypt	PROPN
ajeer-205	202	8	.	.	PUNCT
ajeer-205	203	1	economic	economic	ADJ
ajeer-205	203	2	development	development	NOUN
ajeer-205	203	3	and	and	CCONJ
ajeer-205	203	4	cultural	cultural	ADJ
ajeer-205	203	5	change	change	NOUN
ajeer-205	203	6	,	,	PUNCT
ajeer-205	203	7	48(3	48(3	NUM
ajeer-205	203	8	):	):	PUNCT
ajeer-205	203	9	657–670	657–670	NUM
ajeer-205	203	10	.	.	PUNCT
ajeer-205	204	1	mpuga	mpuga	PROPN
ajeer-205	204	2	,	,	PUNCT
ajeer-205	204	3	p.	p.	NOUN
ajeer-205	204	4	,	,	PUNCT
ajeer-205	204	5	2004	2004	NUM
ajeer-205	204	6	.	.	PUNCT
ajeer-205	205	1	demand	demand	NOUN
ajeer-205	205	2	for	for	ADP
ajeer-205	205	3	credit	credit	NOUN
ajeer-205	205	4	in	in	ADP
ajeer-205	205	5	rural	rural	ADJ
ajeer-205	205	6	uganda	uganda	PROPN
ajeer-205	205	7	:	:	PUNCT
ajeer-205	205	8	who	who	PRON
ajeer-205	205	9	cares	care	VERB
ajeer-205	205	10	for	for	ADP
ajeer-205	205	11	the	the	DET
ajeer-205	205	12	peasants	peasant	NOUN
ajeer-205	205	13	?	?	PUNCT
ajeer-205	206	1	a	a	DET
ajeer-205	206	2	paper	paper	NOUN
ajeer-205	206	3	presented	present	VERB
ajeer-205	206	4	at	at	ADP
ajeer-205	206	5	the	the	DET
ajeer-205	206	6	conference	conference	NOUN
ajeer-205	206	7	on	on	ADP
ajeer-205	206	8	growth	growth	NOUN
ajeer-205	206	9	,	,	PUNCT
ajeer-205	206	10	poverty	poverty	NOUN
ajeer-205	206	11	reduction	reduction	NOUN
ajeer-205	206	12	and	and	CCONJ
ajeer-205	206	13	human	human	ADJ
ajeer-205	206	14	development	development	NOUN
ajeer-205	206	15	in	in	ADP
ajeer-205	206	16	africa	africa	PROPN
ajeer-205	206	17	centre	centre	PROPN
ajeer-205	206	18	for	for	ADP
ajeer-205	206	19	the	the	DET
ajeer-205	206	20	study	study	NOUN
ajeer-205	206	21	of	of	ADP
ajeer-205	206	22	african	african	ADJ
ajeer-205	206	23	economies	economy	NOUN
ajeer-205	206	24	.	.	PUNCT
ajeer-205	207	1	pp	pp	ADV
ajeer-205	207	2	:	:	PUNCT
ajeer-205	207	3	1–42	1–42	PROPN
ajeer-205	207	4	.	.	PUNCT
ajeer-205	208	1	mpuga	mpuga	PROPN
ajeer-205	208	2	,	,	PUNCT
ajeer-205	208	3	p.	p.	PROPN
ajeer-205	208	4	,	,	PUNCT
ajeer-205	208	5	2010	2010	NUM
ajeer-205	208	6	.	.	PUNCT
ajeer-205	209	1	constraints	constraint	NOUN
ajeer-205	209	2	in	in	ADP
ajeer-205	209	3	access	access	NOUN
ajeer-205	209	4	to	to	ADP
ajeer-205	209	5	and	and	CCONJ
ajeer-205	209	6	demand	demand	VERB
ajeer-205	209	7	for	for	ADP
ajeer-205	209	8	rural	rural	ADJ
ajeer-205	209	9	credit	credit	NOUN
ajeer-205	209	10	:	:	PUNCT
ajeer-205	209	11	evidence	evidence	NOUN
ajeer-205	209	12	from	from	ADP
ajeer-205	209	13	uganda	uganda	PROPN
ajeer-205	209	14	.	.	PUNCT
ajeer-205	210	1	african	african	PROPN
ajeer-205	210	2	development	development	PROPN
ajeer-205	210	3	review	review	PROPN
ajeer-205	210	4	,	,	PUNCT
ajeer-205	210	5	22(1	22(1	NUM
ajeer-205	210	6	):	):	PUNCT
ajeer-205	210	7	115–148	115–148	NUM
ajeer-205	210	8	.	.	PUNCT
ajeer-205	211	1	mpuga	mpuga	PROPN
ajeer-205	211	2	,	,	PUNCT
ajeer-205	211	3	p.	p.	PROPN
ajeer-205	211	4	,	,	PUNCT
ajeer-205	211	5	2010	2010	NUM
ajeer-205	211	6	;	;	PUNCT
ajeer-205	211	7	2004	2004	NUM
ajeer-205	211	8	.	.	PUNCT
ajeer-205	212	1	demand	demand	NOUN
ajeer-205	212	2	for	for	ADP
ajeer-205	212	3	credit	credit	NOUN
ajeer-205	212	4	in	in	ADP
ajeer-205	212	5	rural	rural	ADJ
ajeer-205	212	6	uganda	uganda	PROPN
ajeer-205	212	7	:	:	PUNCT
ajeer-205	212	8	who	who	PRON
ajeer-205	212	9	cares	care	VERB
ajeer-205	212	10	for	for	ADP
ajeer-205	212	11	the	the	DET
ajeer-205	212	12	peasants	peasant	NOUN
ajeer-205	212	13	?	?	PUNCT
ajeer-205	213	1	a	a	DET
ajeer-205	213	2	paper	paper	NOUN
ajeer-205	213	3	presented	present	VERB
ajeer-205	213	4	at	at	ADP
ajeer-205	213	5	the	the	DET
ajeer-205	213	6	conference	conference	NOUN
ajeer-205	213	7	on	on	ADP
ajeer-205	213	8	growth	growth	NOUN
ajeer-205	213	9	,	,	PUNCT
ajeer-205	213	10	poverty	poverty	NOUN
ajeer-205	213	11	reduction	reduction	NOUN
ajeer-205	213	12	and	and	CCONJ
ajeer-205	213	13	human	human	ADJ
ajeer-205	213	14	development	development	NOUN
ajeer-205	213	15	in	in	ADP
ajeer-205	213	16	africa	africa	PROPN
ajeer-205	213	17	centre	centre	PROPN
ajeer-205	213	18	for	for	ADP
ajeer-205	213	19	the	the	DET
ajeer-205	213	20	study	study	NOUN
ajeer-205	213	21	of	of	ADP
ajeer-205	213	22	african	african	ADJ
ajeer-205	213	23	economies	economy	NOUN
ajeer-205	213	24	.	.	PUNCT
ajeer-205	214	1	pp	pp	ADV
ajeer-205	214	2	:	:	PUNCT
ajeer-205	214	3	1–42	1–42	PROPN
ajeer-205	214	4	.	.	PUNCT
ajeer-205	215	1	nguyen	nguyen	PROPN
ajeer-205	215	2	,	,	PUNCT
ajeer-205	215	3	c.h	c.h	PROPN
ajeer-205	215	4	.	.	PROPN
ajeer-205	215	5	,	,	PUNCT
ajeer-205	215	6	2007	2007	NUM
ajeer-205	215	7	.	.	PUNCT
ajeer-205	216	1	determinants	determinant	NOUN
ajeer-205	216	2	of	of	ADP
ajeer-205	216	3	credit	credit	NOUN
ajeer-205	216	4	participation	participation	NOUN
ajeer-205	216	5	and	and	CCONJ
ajeer-205	216	6	its	its	PRON
ajeer-205	216	7	impact	impact	NOUN
ajeer-205	216	8	on	on	ADP
ajeer-205	216	9	household	household	NOUN
ajeer-205	216	10	consumption	consumption	NOUN
ajeer-205	216	11	:	:	PUNCT
ajeer-205	216	12	evidence	evidence	NOUN
ajeer-205	216	13	from	from	ADP
ajeer-205	216	14	rural	rural	ADJ
ajeer-205	216	15	vietnam	vietnam	PROPN
ajeer-205	216	16	.	.	PUNCT
ajeer-205	217	1	center	center	PROPN
ajeer-205	217	2	for	for	ADP
ajeer-205	217	3	economic	economic	ADJ
ajeer-205	217	4	reform	reform	NOUN
ajeer-205	217	5	and	and	CCONJ
ajeer-205	217	6	transformation	transformation	NOUN
ajeer-205	217	7	,	,	PUNCT
ajeer-205	217	8	no	no	INTJ
ajeer-205	217	9	.	.	NOUN
ajeer-205	217	10	03	03	NUM
ajeer-205	217	11	:	:	PUNCT
ajeer-205	217	12	1–19	1–19	PROPN
ajeer-205	217	13	.	.	PUNCT
ajeer-205	218	1	nwaru	nwaru	PROPN
ajeer-205	218	2	,	,	PUNCT
ajeer-205	218	3	j.c	j.c	PROPN
ajeer-205	218	4	.	.	PROPN
ajeer-205	218	5	,	,	PUNCT
ajeer-205	218	6	2011	2011	NUM
ajeer-205	218	7	.	.	PUNCT
ajeer-205	219	1	determinants	determinant	NOUN
ajeer-205	219	2	of	of	ADP
ajeer-205	219	3	informal	informal	ADJ
ajeer-205	219	4	credit	credit	NOUN
ajeer-205	219	5	demand	demand	NOUN
ajeer-205	219	6	and	and	CCONJ
ajeer-205	219	7	supply	supply	NOUN
ajeer-205	219	8	among	among	ADP
ajeer-205	219	9	food	food	NOUN
ajeer-205	219	10	crop	crop	NOUN
ajeer-205	219	11	farmers	farmer	NOUN
ajeer-205	219	12	in	in	ADP
ajeer-205	219	13	akwa	akwa	ADJ
ajeer-205	219	14	ibom	ibom	ADJ
ajeer-205	219	15	state	state	NOUN
ajeer-205	219	16	,	,	PUNCT
ajeer-205	219	17	nigeria	nigeria	PROPN
ajeer-205	219	18	.	.	PUNCT
ajeer-205	220	1	journal	journal	PROPN
ajeer-205	220	2	of	of	ADP
ajeer-205	220	3	rural	rural	ADJ
ajeer-205	220	4	and	and	CCONJ
ajeer-205	220	5	community	community	NOUN
ajeer-205	220	6	development	development	NOUN
ajeer-205	220	7	,	,	PUNCT
ajeer-205	220	8	6(1	6(1	NUM
ajeer-205	220	9	):	):	PUNCT
ajeer-205	220	10	129–139	129–139	NUM
ajeer-205	220	11	.	.	PUNCT
ajeer-205	221	1	rosenzweig	rosenzweig	PROPN
ajeer-205	221	2	,	,	PUNCT
ajeer-205	221	3	m.r	m.r	PROPN
ajeer-205	221	4	.	.	PROPN
ajeer-205	221	5	and	and	CCONJ
ajeer-205	221	6	h.r	h.r	PROPN
ajeer-205	221	7	.	.	PROPN
ajeer-205	221	8	binswanger	binswanger	PROPN
ajeer-205	221	9	,	,	PUNCT
ajeer-205	221	10	1993	1993	NUM
ajeer-205	221	11	.	.	PUNCT
ajeer-205	222	1	wealth	wealth	NOUN
ajeer-205	222	2	,	,	PUNCT
ajeer-205	222	3	weather	weather	NOUN
ajeer-205	222	4	risk	risk	NOUN
ajeer-205	222	5	and	and	CCONJ
ajeer-205	222	6	the	the	DET
ajeer-205	222	7	composition	composition	NOUN
ajeer-205	222	8	and	and	CCONJ
ajeer-205	222	9	profitability	profitability	NOUN
ajeer-205	222	10	of	of	ADP
ajeer-205	222	11	agricultural	agricultural	ADJ
ajeer-205	222	12	investments	investment	NOUN
ajeer-205	222	13	.	.	PUNCT
ajeer-205	223	1	the	the	DET
ajeer-205	223	2	economic	economic	ADJ
ajeer-205	223	3	journal	journal	NOUN
ajeer-205	223	4	,	,	PUNCT
ajeer-205	223	5	103(416	103(416	NUM
ajeer-205	223	6	):	):	PUNCT
ajeer-205	223	7	56	56	NUM
ajeer-205	223	8	-	-	SYM
ajeer-205	223	9	78	78	NUM
ajeer-205	223	10	.	.	PUNCT
ajeer-205	224	1	sylvanus	sylvanus	PROPN
ajeer-205	224	2	,	,	PUNCT
ajeer-205	224	3	i.	i.	PROPN
ajeer-205	224	4	,	,	PUNCT
ajeer-205	224	5	2003	2003	NUM
ajeer-205	224	6	.	.	PUNCT
ajeer-205	224	7	was	be	AUX
ajeer-205	224	8	there	there	ADV
ajeer-205	224	9	a	a	DET
ajeer-205	224	10	credit	credit	NOUN
ajeer-205	224	11	crunch	crunch	NOUN
ajeer-205	224	12	in	in	ADP
ajeer-205	224	13	namibia	namibia	PROPN
ajeer-205	224	14	between	between	ADP
ajeer-205	224	15	1996	1996	NUM
ajeer-205	224	16	2000	2000	NUM
ajeer-205	224	17	?	?	PUNCT
ajeer-205	225	1	journal	journal	NOUN
ajeer-205	225	2	of	of	ADP
ajeer-205	225	3	applied	apply	VERB
ajeer-205	225	4	economic	economic	ADJ
ajeer-205	225	5	,	,	PUNCT
ajeer-205	225	6	6(2	6(2	NUM
ajeer-205	225	7	):	):	PUNCT
ajeer-205	225	8	269	269	NUM
ajeer-205	225	9	-	-	SYM
ajeer-205	225	10	290	290	NUM
ajeer-205	225	11	.	.	PUNCT
ajeer-205	225	12	tang	tang	PROPN
ajeer-205	225	13	,	,	PUNCT
ajeer-205	225	14	s.	s.	PROPN
ajeer-205	225	15	,	,	PUNCT
ajeer-205	225	16	z.	z.	PROPN
ajeer-205	225	17	guan	guan	PROPN
ajeer-205	225	18	and	and	CCONJ
ajeer-205	225	19	s.	s.	PROPN
ajeer-205	225	20	jin	jin	PROPN
ajeer-205	225	21	,	,	PUNCT
ajeer-205	225	22	2010	2010	NUM
ajeer-205	225	23	.	.	PUNCT
ajeer-205	226	1	formal	formal	ADJ
ajeer-205	226	2	and	and	CCONJ
ajeer-205	226	3	informal	informal	ADJ
ajeer-205	226	4	credit	credit	NOUN
ajeer-205	226	5	markets	market	NOUN
ajeer-205	226	6	and	and	CCONJ
ajeer-205	226	7	rural	rural	ADJ
ajeer-205	226	8	credit	credit	NOUN
ajeer-205	226	9	demand	demand	NOUN
ajeer-205	226	10	in	in	ADP
ajeer-205	226	11	china	china	PROPN
ajeer-205	226	12	.	.	PUNCT
ajeer-205	227	1	in	in	ADP
ajeer-205	227	2	agricultural	agricultural	ADJ
ajeer-205	227	3	&	&	CCONJ
ajeer-205	227	4	applied	applied	ADJ
ajeer-205	227	5	economics	economic	NOUN
ajeer-205	227	6	association	association	PROPN
ajeer-205	227	7	,	,	PUNCT
ajeer-205	227	8	caes	caes	PROPN
ajeer-205	227	9	,	,	PUNCT
ajeer-205	227	10	&	&	CCONJ
ajeer-205	227	11	waea	waea	PROPN
ajeer-205	227	12	joint	joint	ADJ
ajeer-205	227	13	annual	annual	ADJ
ajeer-205	227	14	meeting	meeting	NOUN
ajeer-205	227	15	.	.	PUNCT
ajeer-205	228	1	pp	pp	ADV
ajeer-205	228	2	:	:	PUNCT
ajeer-205	228	3	1–26	1–26	NOUN
ajeer-205	228	4	.	.	PUNCT
ajeer-205	229	1	thanh	thanh	PROPN
ajeer-205	229	2	,	,	PUNCT
ajeer-205	229	3	t.t.t	t.t.t	PROPN
ajeer-205	229	4	.	.	PUNCT
ajeer-205	229	5	,	,	PUNCT
ajeer-205	229	6	n.q	n.q	PROPN
ajeer-205	229	7	.	.	PROPN
ajeer-205	229	8	viet	viet	PROPN
ajeer-205	229	9	and	and	CCONJ
ajeer-205	229	10	h.h	h.h	PROPN
ajeer-205	229	11	.	.	PROPN
ajeer-205	229	12	loi	loi	PROPN
ajeer-205	229	13	,	,	PUNCT
ajeer-205	229	14	2015	2015	NUM
ajeer-205	229	15	.	.	PUNCT
ajeer-205	230	1	determinant	determinant	ADJ
ajeer-205	230	2	of	of	ADP
ajeer-205	230	3	access	access	NOUN
ajeer-205	230	4	to	to	ADP
ajeer-205	230	5	rural	rural	ADJ
ajeer-205	230	6	credit	credit	NOUN
ajeer-205	230	7	and	and	CCONJ
ajeer-205	230	8	its	its	PRON
ajeer-205	230	9	effect	effect	NOUN
ajeer-205	230	10	on	on	ADP
ajeer-205	230	11	living	live	VERB
ajeer-205	230	12	standard	standard	NOUN
ajeer-205	230	13	:	:	PUNCT
ajeer-205	230	14	case	case	NOUN
ajeer-205	230	15	study	study	NOUN
ajeer-205	230	16	about	about	ADP
ajeer-205	230	17	poor	poor	ADJ
ajeer-205	230	18	households	household	NOUN
ajeer-205	230	19	in	in	ADP
ajeer-205	230	20	northwest	northwest	NOUN
ajeer-205	230	21	,	,	PUNCT
ajeer-205	230	22	vietnam	vietnam	PROPN
ajeer-205	230	23	.	.	PUNCT
ajeer-205	231	1	international	international	ADJ
ajeer-205	231	2	journal	journal	PROPN
ajeer-205	231	3	of	of	ADP
ajeer-205	231	4	financial	financial	ADJ
ajeer-205	231	5	research	research	NOUN
ajeer-205	231	6	,	,	PUNCT
ajeer-205	231	7	6(2	6(2	NUM
ajeer-205	231	8	):	):	PUNCT
ajeer-205	231	9	218–230	218–230	NUM
ajeer-205	231	10	.	.	PUNCT
ajeer-205	232	1	townsend	townsend	PROPN
ajeer-205	232	2	,	,	PUNCT
ajeer-205	232	3	r.	r.	PROPN
ajeer-205	232	4	,	,	PUNCT
ajeer-205	232	5	1994	1994	NUM
ajeer-205	232	6	.	.	PUNCT
ajeer-205	233	1	risk	risk	NOUN
ajeer-205	233	2	and	and	CCONJ
ajeer-205	233	3	insurance	insurance	NOUN
ajeer-205	233	4	in	in	ADP
ajeer-205	233	5	village	village	PROPN
ajeer-205	233	6	india	india	PROPN
ajeer-205	233	7	.	.	PUNCT
ajeer-205	234	1	econometrica	econometrica	PROPN
ajeer-205	234	2	,	,	PUNCT
ajeer-205	234	3	62(3	62(3	NOUN
ajeer-205	234	4	):	):	PUNCT
ajeer-205	234	5	539–591	539–591	NUM
ajeer-205	234	6	.	.	PUNCT
ajeer-205	235	1	udry	udry	ADJ
ajeer-205	235	2	,	,	PUNCT
ajeer-205	235	3	c.	c.	PROPN
ajeer-205	235	4	,	,	PUNCT
ajeer-205	235	5	1990	1990	NUM
ajeer-205	235	6	.	.	PUNCT
ajeer-205	236	1	credit	credit	NOUN
ajeer-205	236	2	markets	market	NOUN
ajeer-205	236	3	in	in	ADP
ajeer-205	236	4	northern	northern	ADJ
ajeer-205	236	5	nigeria	nigeria	PROPN
ajeer-205	236	6	:	:	PUNCT
ajeer-205	236	7	credit	credit	NOUN
ajeer-205	236	8	as	as	ADP
ajeer-205	236	9	insurance	insurance	NOUN
ajeer-205	236	10	in	in	ADP
ajeer-205	236	11	a	a	DET
ajeer-205	236	12	rural	rural	ADJ
ajeer-205	236	13	economy	economy	NOUN
ajeer-205	236	14	.	.	PUNCT
ajeer-205	237	1	world	world	PROPN
ajeer-205	237	2	bank	bank	PROPN
ajeer-205	237	3	economic	economic	PROPN
ajeer-205	237	4	review	review	PROPN
ajeer-205	237	5	,	,	PUNCT
ajeer-205	237	6	4(3	4(3	NUM
ajeer-205	237	7	):	):	PUNCT
ajeer-205	237	8	251–269	251–269	NUM
ajeer-205	237	9	.	.	PUNCT
ajeer-205	238	1	zander	zander	PROPN
ajeer-205	238	2	,	,	PUNCT
ajeer-205	238	3	r.	r.	PROPN
ajeer-205	238	4	,	,	PUNCT
ajeer-205	238	5	1994	1994	NUM
ajeer-205	238	6	.	.	PUNCT
ajeer-205	239	1	barriers	barrier	NOUN
ajeer-205	239	2	to	to	ADP
ajeer-205	239	3	credit	credit	NOUN
ajeer-205	239	4	access	access	NOUN
ajeer-205	239	5	in	in	ADP
ajeer-205	239	6	rural	rural	ADJ
ajeer-205	239	7	sri	sri	PROPN
ajeer-205	239	8	lanka	lanka	PROPN
ajeer-205	239	9	.	.	PUNCT
ajeer-205	240	1	financial	financial	ADJ
ajeer-205	240	2	landscapes	landscape	NOUN
ajeer-205	240	3	reconstructed	reconstruct	VERB
ajeer-205	240	4	.	.	PUNCT
ajeer-205	241	1	the	the	DET
ajeer-205	241	2	fine	fine	ADJ
ajeer-205	241	3	art	art	NOUN
ajeer-205	241	4	of	of	ADP
ajeer-205	241	5	mapping	mapping	NOUN
ajeer-205	241	6	development	development	NOUN
ajeer-205	241	7	,	,	PUNCT
ajeer-205	241	8	boulder	boulder	NOUN
ajeer-205	241	9	,	,	PUNCT
ajeer-205	241	10	colorado	colorado	PROPN
ajeer-205	241	11	:	:	PUNCT
ajeer-205	241	12	westview	westview	PROPN
ajeer-205	241	13	,	,	PUNCT
ajeer-205	241	14	press	press	NOUN
ajeer-205	241	15	.	.	PUNCT
ajeer-205	242	1	pp	pp	ADP
ajeer-205	242	2	:	:	PUNCT
ajeer-205	242	3	121	121	NUM
ajeer-205	242	4	–	–	SYM
ajeer-205	242	5	128	128	NUM
ajeer-205	242	6	.	.	PUNCT
ajeer-205	243	1	asian	asian	ADJ
ajeer-205	243	2	journal	journal	PROPN
ajeer-205	243	3	of	of	ADP
ajeer-205	243	4	economics	economic	NOUN
ajeer-205	243	5	and	and	CCONJ
ajeer-205	243	6	empirical	empirical	ADJ
ajeer-205	243	7	research	research	NOUN
ajeer-205	243	8	,	,	PUNCT
ajeer-205	243	9	2016	2016	NUM
ajeer-205	243	10	,	,	PUNCT
ajeer-205	243	11	3(1	3(1	NUM
ajeer-205	243	12	):	):	PUNCT
ajeer-205	243	13	6	6	NUM
ajeer-205	243	14	-	-	SYM
ajeer-205	243	15	10	10	NUM
ajeer-205	243	16	10	10	NUM
ajeer-205	243	17	zeller	zeller	NOUN
ajeer-205	243	18	,	,	PUNCT
ajeer-205	243	19	m.	m.	NOUN
ajeer-205	243	20	,	,	PUNCT
ajeer-205	243	21	1994	1994	NUM
ajeer-205	243	22	.	.	PUNCT
ajeer-205	244	1	determinants	determinant	NOUN
ajeer-205	244	2	of	of	ADP
ajeer-205	244	3	credit	credit	NOUN
ajeer-205	244	4	rationing	rationing	NOUN
ajeer-205	244	5	:	:	PUNCT
ajeer-205	244	6	a	a	DET
ajeer-205	244	7	study	study	NOUN
ajeer-205	244	8	of	of	ADP
ajeer-205	244	9	informal	informal	ADJ
ajeer-205	244	10	lenders	lender	NOUN
ajeer-205	244	11	and	and	CCONJ
ajeer-205	244	12	formal	formal	ADJ
ajeer-205	244	13	credit	credit	NOUN
ajeer-205	244	14	groups	group	NOUN
ajeer-205	244	15	in	in	ADP
ajeer-205	244	16	madagascar	madagascar	PROPN
ajeer-205	244	17	.	.	PUNCT
ajeer-205	245	1	world	world	NOUN
ajeer-205	245	2	development	development	PROPN
ajeer-205	245	3	,	,	PUNCT
ajeer-205	245	4	22(12	22(12	NUM
ajeer-205	245	5	):	):	PUNCT
ajeer-205	245	6	1895–1907	1895–1907	NUM
ajeer-205	245	7	.	.	PUNCT
ajeer-205	246	1	zeller	zeller	NOUN
ajeer-205	246	2	,	,	PUNCT
ajeer-205	246	3	m.	m.	NOUN
ajeer-205	246	4	,	,	PUNCT
ajeer-205	246	5	a.	a.	NOUN
ajeer-205	246	6	diagne	diagne	NOUN
ajeer-205	246	7	and	and	CCONJ
ajeer-205	246	8	c.	c.	PROPN
ajeer-205	246	9	mataya	mataya	PROPN
ajeer-205	246	10	,	,	PUNCT
ajeer-205	246	11	1998	1998	NUM
ajeer-205	246	12	.	.	PUNCT
ajeer-205	247	1	market	market	NOUN
ajeer-205	247	2	access	access	NOUN
ajeer-205	247	3	by	by	ADP
ajeer-205	247	4	smallholder	smallholder	NOUN
ajeer-205	247	5	farmers	farmer	NOUN
ajeer-205	247	6	in	in	ADP
ajeer-205	247	7	malawi	malawi	PROPN
ajeer-205	247	8	:	:	PUNCT
ajeer-205	247	9	implications	implication	NOUN
ajeer-205	247	10	for	for	ADP
ajeer-205	247	11	technology	technology	NOUN
ajeer-205	247	12	adoption	adoption	NOUN
ajeer-205	247	13	,	,	PUNCT
ajeer-205	247	14	agricultural	agricultural	ADJ
ajeer-205	247	15	productivity	productivity	NOUN
ajeer-205	247	16	and	and	CCONJ
ajeer-205	247	17	crop	crop	NOUN
ajeer-205	247	18	income	income	NOUN
ajeer-205	247	19	.	.	PUNCT
ajeer-205	248	1	agricultural	agricultural	ADJ
ajeer-205	248	2	economics	economic	NOUN
ajeer-205	248	3	,	,	PUNCT
ajeer-205	248	4	19(1	19(1	NUM
ajeer-205	248	5	):	):	PUNCT
ajeer-205	248	6	219	219	NUM
ajeer-205	248	7	-	-	SYM
ajeer-205	248	8	229	229	NUM
ajeer-205	248	9	.	.	PUNCT
ajeer-205	249	1	asian	asian	ADJ
ajeer-205	249	2	online	online	PROPN
ajeer-205	249	3	journal	journal	PROPN
ajeer-205	249	4	publishing	publishing	NOUN
ajeer-205	249	5	group	group	NOUN
ajeer-205	249	6	is	be	AUX
ajeer-205	249	7	not	not	PART
ajeer-205	249	8	responsible	responsible	ADJ
ajeer-205	249	9	or	or	CCONJ
ajeer-205	249	10	answerable	answerable	ADJ
ajeer-205	249	11	for	for	ADP
ajeer-205	249	12	any	any	DET
ajeer-205	249	13	loss	loss	NOUN
ajeer-205	249	14	,	,	PUNCT
ajeer-205	249	15	damage	damage	NOUN
ajeer-205	249	16	or	or	CCONJ
ajeer-205	249	17	liability	liability	NOUN
ajeer-205	249	18	,	,	PUNCT
ajeer-205	249	19	etc	etc	X
ajeer-205	249	20	.	.	X
ajeer-205	249	21	caused	cause	VERB
ajeer-205	249	22	in	in	ADP
ajeer-205	249	23	relation	relation	NOUN
ajeer-205	249	24	to	to	PART
ajeer-205	249	25	/	/	PUNCT
ajeer-205	249	26	arising	arise	VERB
ajeer-205	249	27	out	out	ADP
ajeer-205	249	28	of	of	ADP
ajeer-205	249	29	the	the	DET
ajeer-205	249	30	use	use	NOUN
ajeer-205	249	31	of	of	ADP
ajeer-205	249	32	the	the	DET
ajeer-205	249	33	content	content	NOUN
ajeer-205	249	34	.	.	PUNCT
ajeer-205	250	1	any	any	DET
ajeer-205	250	2	queries	query	NOUN
ajeer-205	250	3	should	should	AUX
ajeer-205	250	4	be	be	AUX
ajeer-205	250	5	directed	direct	VERB
ajeer-205	250	6	to	to	ADP
ajeer-205	250	7	the	the	DET
ajeer-205	250	8	corresponding	corresponding	ADJ
ajeer-205	250	9	author	author	NOUN
ajeer-205	250	10	of	of	ADP
ajeer-205	250	11	the	the	DET
ajeer-205	250	12	article	article	NOUN
ajeer-205	250	13	.	.	PUNCT