id	sid	tid	token	lemma	pos
ajeer-265	1	1	45	45	NUM
ajeer-265	1	2	©	©	PROPN
ajeer-265	1	3	2019	2019	NUM
ajeer-265	1	4	by	by	ADP
ajeer-265	1	5	the	the	DET
ajeer-265	1	6	authors	author	NOUN
ajeer-265	1	7	;	;	PUNCT
ajeer-265	1	8	licensee	licensee	PROPN
ajeer-265	1	9	asian	asian	ADJ
ajeer-265	1	10	online	online	PROPN
ajeer-265	1	11	journal	journal	PROPN
ajeer-265	1	12	publishing	publishing	PROPN
ajeer-265	1	13	group	group	PROPN
ajeer-265	1	14	asian	asian	PROPN
ajeer-265	1	15	journal	journal	PROPN
ajeer-265	1	16	of	of	ADP
ajeer-265	1	17	economics	economic	NOUN
ajeer-265	1	18	and	and	CCONJ
ajeer-265	1	19	empirical	empirical	ADJ
ajeer-265	1	20	research	research	NOUN
ajeer-265	1	21	vol	vol	NOUN
ajeer-265	1	22	.	.	PROPN
ajeer-265	1	23	6	6	NUM
ajeer-265	1	24	,	,	PUNCT
ajeer-265	1	25	no	no	INTJ
ajeer-265	1	26	.	.	NOUN
ajeer-265	1	27	1	1	NUM
ajeer-265	1	28	,	,	PUNCT
ajeer-265	1	29	45	45	NUM
ajeer-265	1	30	-	-	SYM
ajeer-265	1	31	51	51	NUM
ajeer-265	1	32	,	,	PUNCT
ajeer-265	1	33	2019	2019	NUM
ajeer-265	1	34	issn(e	issn(e	NOUN
ajeer-265	1	35	)	)	PUNCT
ajeer-265	1	36	2409	2409	NUM
ajeer-265	1	37	-	-	SYM
ajeer-265	1	38	2622	2622	NUM
ajeer-265	1	39	/	/	SYM
ajeer-265	1	40	issn(p	issn(p	PROPN
ajeer-265	1	41	)	)	PUNCT
ajeer-265	1	42	2518	2518	NUM
ajeer-265	1	43	-	-	PUNCT
ajeer-265	1	44	010x	010x	ADJ
ajeer-265	1	45	doi	doi	NOUN
ajeer-265	1	46	:	:	PUNCT
ajeer-265	1	47	10.20448	10.20448	NUM
ajeer-265	1	48	/	/	SYM
ajeer-265	1	49	journal.501.2019.61.45.51	journal.501.2019.61.45.51	PROPN
ajeer-265	2	1	©	©	PROPN
ajeer-265	2	2	2019	2019	NUM
ajeer-265	2	3	by	by	ADP
ajeer-265	2	4	the	the	DET
ajeer-265	2	5	authors	author	NOUN
ajeer-265	2	6	;	;	PUNCT
ajeer-265	2	7	licensee	licensee	PROPN
ajeer-265	2	8	asian	asian	ADJ
ajeer-265	2	9	online	online	PROPN
ajeer-265	2	10	journal	journal	PROPN
ajeer-265	2	11	publishing	publishing	NOUN
ajeer-265	2	12	group	group	PROPN
ajeer-265	2	13	financial	financial	ADJ
ajeer-265	2	14	inclusion	inclusion	NOUN
ajeer-265	2	15	and	and	CCONJ
ajeer-265	2	16	health	health	NOUN
ajeer-265	2	17	shocks	shock	NOUN
ajeer-265	2	18	:	:	PUNCT
ajeer-265	2	19	a	a	DET
ajeer-265	2	20	panel	panel	NOUN
ajeer-265	2	21	data	data	VERB
ajeer-265	2	22	analysis	analysis	NOUN
ajeer-265	2	23	of	of	ADP
ajeer-265	2	24	36	36	NUM
ajeer-265	2	25	african	african	ADJ
ajeer-265	2	26	countries	country	NOUN
ajeer-265	2	27	popoola	popoola	PROPN
ajeer-265	2	28	,	,	PUNCT
ajeer-265	2	29	oladayo	oladayo	VERB
ajeer-265	2	30	timothy1	timothy1	ADV
ajeer-265	2	31	1lecturer	1lecturer	NUM
ajeer-265	2	32	at	at	ADP
ajeer-265	2	33	the	the	DET
ajeer-265	2	34	department	department	NOUN
ajeer-265	2	35	of	of	ADP
ajeer-265	2	36	economics	economic	NOUN
ajeer-265	2	37	,	,	PUNCT
ajeer-265	2	38	ahmadu	ahmadu	PROPN
ajeer-265	2	39	bello	bello	PROPN
ajeer-265	2	40	university	university	PROPN
ajeer-265	2	41	,	,	PUNCT
ajeer-265	2	42	zaria	zaria	PROPN
ajeer-265	2	43	,	,	PUNCT
ajeer-265	2	44	kaduna	kaduna	PROPN
ajeer-265	2	45	state	state	PROPN
ajeer-265	2	46	,	,	PUNCT
ajeer-265	2	47	nigeria	nigeria	PROPN
ajeer-265	2	48	.	.	PUNCT
ajeer-265	3	1	abstract	abstract	ADJ
ajeer-265	3	2	numerous	numerous	ADJ
ajeer-265	3	3	evidence	evidence	NOUN
ajeer-265	3	4	has	have	AUX
ajeer-265	3	5	revealed	reveal	VERB
ajeer-265	3	6	that	that	SCONJ
ajeer-265	3	7	african	african	ADJ
ajeer-265	3	8	countries	country	NOUN
ajeer-265	3	9	lagged	lag	VERB
ajeer-265	3	10	behind	behind	ADV
ajeer-265	3	11	in	in	ADP
ajeer-265	3	12	the	the	DET
ajeer-265	3	13	attainment	attainment	NOUN
ajeer-265	3	14	of	of	ADP
ajeer-265	3	15	healthrelated	healthrelate	VERB
ajeer-265	3	16	targets	target	NOUN
ajeer-265	3	17	of	of	ADP
ajeer-265	3	18	the	the	DET
ajeer-265	3	19	recent	recent	ADJ
ajeer-265	3	20	past	past	ADJ
ajeer-265	3	21	millennium	millennium	NOUN
ajeer-265	3	22	development	development	NOUN
ajeer-265	3	23	goals	goal	NOUN
ajeer-265	3	24	(	(	PUNCT
ajeer-265	3	25	mdgs	mdgs	NOUN
ajeer-265	3	26	)	)	PUNCT
ajeer-265	3	27	.	.	PUNCT
ajeer-265	4	1	perhaps	perhaps	ADV
ajeer-265	4	2	because	because	SCONJ
ajeer-265	4	3	most	most	ADJ
ajeer-265	4	4	africans	africans	PROPN
ajeer-265	4	5	depend	depend	VERB
ajeer-265	4	6	largely	largely	ADV
ajeer-265	4	7	on	on	ADP
ajeer-265	4	8	out	out	ADP
ajeer-265	4	9	-	-	PUNCT
ajeer-265	4	10	of	of	ADP
ajeer-265	4	11	-	-	PUNCT
ajeer-265	4	12	pocket	pocket	NOUN
ajeer-265	4	13	payments	payment	NOUN
ajeer-265	4	14	for	for	ADP
ajeer-265	4	15	medical	medical	ADJ
ajeer-265	4	16	-	-	PUNCT
ajeer-265	4	17	care	care	NOUN
ajeer-265	4	18	services	service	NOUN
ajeer-265	4	19	during	during	ADP
ajeer-265	4	20	their	their	PRON
ajeer-265	4	21	health	health	NOUN
ajeer-265	4	22	shocks	shock	NOUN
ajeer-265	4	23	experiences	experience	NOUN
ajeer-265	4	24	.	.	PUNCT
ajeer-265	5	1	evidently	evidently	ADV
ajeer-265	5	2	,	,	PUNCT
ajeer-265	5	3	this	this	PRON
ajeer-265	5	4	has	have	AUX
ajeer-265	5	5	been	be	AUX
ajeer-265	5	6	a	a	DET
ajeer-265	5	7	great	great	ADJ
ajeer-265	5	8	concern	concern	NOUN
ajeer-265	5	9	to	to	ADP
ajeer-265	5	10	both	both	DET
ajeer-265	5	11	citizens	citizen	NOUN
ajeer-265	5	12	and	and	CCONJ
ajeer-265	5	13	policy	policy	NOUN
ajeer-265	5	14	makers	maker	NOUN
ajeer-265	5	15	across	across	ADP
ajeer-265	5	16	africa	africa	PROPN
ajeer-265	5	17	for	for	ADP
ajeer-265	5	18	a	a	DET
ajeer-265	5	19	long	long	ADJ
ajeer-265	5	20	time	time	NOUN
ajeer-265	5	21	.	.	PUNCT
ajeer-265	6	1	therefore	therefore	ADV
ajeer-265	6	2	,	,	PUNCT
ajeer-265	6	3	this	this	DET
ajeer-265	6	4	paper	paper	NOUN
ajeer-265	6	5	investigates	investigate	VERB
ajeer-265	6	6	the	the	DET
ajeer-265	6	7	impact	impact	NOUN
ajeer-265	6	8	of	of	ADP
ajeer-265	6	9	financial	financial	ADJ
ajeer-265	6	10	inclusion	inclusion	NOUN
ajeer-265	6	11	on	on	ADP
ajeer-265	6	12	health	health	NOUN
ajeer-265	6	13	shocks	shock	NOUN
ajeer-265	6	14	in	in	ADP
ajeer-265	6	15	36	36	NUM
ajeer-265	6	16	african	african	ADJ
ajeer-265	6	17	nations	nation	NOUN
ajeer-265	6	18	over	over	ADP
ajeer-265	6	19	the	the	DET
ajeer-265	6	20	period	period	NOUN
ajeer-265	6	21	of	of	ADP
ajeer-265	6	22	2004	2004	NUM
ajeer-265	6	23	to	to	ADP
ajeer-265	6	24	2016	2016	NUM
ajeer-265	6	25	.	.	PUNCT
ajeer-265	7	1	the	the	DET
ajeer-265	7	2	fixed	fix	VERB
ajeer-265	7	3	effects	effect	NOUN
ajeer-265	7	4	model	model	NOUN
ajeer-265	7	5	result	result	NOUN
ajeer-265	7	6	indicates	indicate	VERB
ajeer-265	7	7	that	that	SCONJ
ajeer-265	7	8	increase	increase	NOUN
ajeer-265	7	9	in	in	ADP
ajeer-265	7	10	numbers	number	NOUN
ajeer-265	7	11	of	of	ADP
ajeer-265	7	12	depositors	depositor	NOUN
ajeer-265	7	13	with	with	ADP
ajeer-265	7	14	commercial	commercial	ADJ
ajeer-265	7	15	banks	bank	NOUN
ajeer-265	7	16	proxy	proxy	NOUN
ajeer-265	7	17	for	for	ADP
ajeer-265	7	18	financial	financial	ADJ
ajeer-265	7	19	inclusion	inclusion	NOUN
ajeer-265	7	20	is	be	AUX
ajeer-265	7	21	positive	positive	ADJ
ajeer-265	7	22	and	and	CCONJ
ajeer-265	7	23	significant	significant	ADJ
ajeer-265	7	24	to	to	PART
ajeer-265	7	25	predict	predict	VERB
ajeer-265	7	26	longevity	longevity	NOUN
ajeer-265	7	27	in	in	ADP
ajeer-265	7	28	african	african	ADJ
ajeer-265	7	29	nations	nation	NOUN
ajeer-265	7	30	.	.	PUNCT
ajeer-265	8	1	however	however	ADV
ajeer-265	8	2	,	,	PUNCT
ajeer-265	8	3	rise	rise	VERB
ajeer-265	8	4	in	in	ADP
ajeer-265	8	5	population	population	NOUN
ajeer-265	8	6	growth	growth	NOUN
ajeer-265	8	7	(	(	PUNCT
ajeer-265	8	8	the	the	DET
ajeer-265	8	9	control	control	NOUN
ajeer-265	8	10	variable	variable	NOUN
ajeer-265	8	11	)	)	PUNCT
ajeer-265	8	12	have	have	VERB
ajeer-265	8	13	a	a	DET
ajeer-265	8	14	significant	significant	ADJ
ajeer-265	8	15	role	role	NOUN
ajeer-265	8	16	to	to	PART
ajeer-265	8	17	reduce	reduce	VERB
ajeer-265	8	18	average	average	ADJ
ajeer-265	8	19	life	life	NOUN
ajeer-265	8	20	expectancy	expectancy	NOUN
ajeer-265	8	21	in	in	ADP
ajeer-265	8	22	africa	africa	PROPN
ajeer-265	8	23	.	.	PUNCT
ajeer-265	9	1	thus	thus	ADV
ajeer-265	9	2	,	,	PUNCT
ajeer-265	9	3	both	both	PRON
ajeer-265	9	4	african	african	ADJ
ajeer-265	9	5	governments	government	NOUN
ajeer-265	9	6	and	and	CCONJ
ajeer-265	9	7	their	their	PRON
ajeer-265	9	8	financial	financial	ADJ
ajeer-265	9	9	institutions	institution	NOUN
ajeer-265	9	10	may	may	AUX
ajeer-265	9	11	improve	improve	VERB
ajeer-265	9	12	average	average	ADJ
ajeer-265	9	13	life	life	NOUN
ajeer-265	9	14	expectancy	expectancy	NOUN
ajeer-265	9	15	and	and	CCONJ
ajeer-265	9	16	human	human	ADJ
ajeer-265	9	17	capital	capital	NOUN
ajeer-265	9	18	for	for	ADP
ajeer-265	9	19	more	more	ADJ
ajeer-265	9	20	economic	economic	ADJ
ajeer-265	9	21	development	development	NOUN
ajeer-265	9	22	through	through	ADP
ajeer-265	9	23	enhanced	enhance	VERB
ajeer-265	9	24	financial	financial	ADJ
ajeer-265	9	25	inclusion	inclusion	NOUN
ajeer-265	9	26	.	.	PUNCT
ajeer-265	10	1	keywords	keyword	NOUN
ajeer-265	10	2	:	:	PUNCT
ajeer-265	10	3	savings	saving	NOUN
ajeer-265	10	4	,	,	PUNCT
ajeer-265	10	5	financial	financial	ADJ
ajeer-265	10	6	inclusion	inclusion	NOUN
ajeer-265	10	7	,	,	PUNCT
ajeer-265	10	8	life	life	NOUN
ajeer-265	10	9	expectancy	expectancy	NOUN
ajeer-265	10	10	,	,	PUNCT
ajeer-265	10	11	africa	africa	PROPN
ajeer-265	10	12	,	,	PUNCT
ajeer-265	10	13	panel	panel	NOUN
ajeer-265	10	14	data	datum	NOUN
ajeer-265	10	15	models	model	NOUN
ajeer-265	10	16	.	.	PUNCT
ajeer-265	11	1	jel	jel	PROPN
ajeer-265	11	2	classification	classification	NOUN
ajeer-265	11	3	:	:	PUNCT
ajeer-265	11	4	c23	c23	PROPN
ajeer-265	11	5	,	,	PUNCT
ajeer-265	11	6	e44	e44	PROPN
ajeer-265	11	7	,	,	PUNCT
ajeer-265	11	8	i15	i15	PROPN
ajeer-265	11	9	,	,	PUNCT
ajeer-265	11	10	n27	n27	PROPN
ajeer-265	11	11	.	.	PUNCT
ajeer-265	12	1	citation	citation	NOUN
ajeer-265	12	2	|	|	ADV
ajeer-265	12	3	popoola	popoola	PROPN
ajeer-265	12	4	,	,	PUNCT
ajeer-265	12	5	oladayo	oladayo	PROPN
ajeer-265	12	6	timothy	timothy	PROPN
ajeer-265	12	7	(	(	PUNCT
ajeer-265	12	8	2019	2019	NUM
ajeer-265	12	9	)	)	PUNCT
ajeer-265	12	10	.	.	PUNCT
ajeer-265	13	1	financial	financial	ADJ
ajeer-265	13	2	inclusion	inclusion	NOUN
ajeer-265	13	3	and	and	CCONJ
ajeer-265	13	4	health	health	NOUN
ajeer-265	13	5	shocks	shock	NOUN
ajeer-265	13	6	:	:	PUNCT
ajeer-265	13	7	a	a	DET
ajeer-265	13	8	panel	panel	NOUN
ajeer-265	13	9	data	data	VERB
ajeer-265	13	10	analysis	analysis	NOUN
ajeer-265	13	11	of	of	ADP
ajeer-265	13	12	36	36	NUM
ajeer-265	13	13	african	african	ADJ
ajeer-265	13	14	countries	country	NOUN
ajeer-265	13	15	.	.	PUNCT
ajeer-265	14	1	asian	asian	ADJ
ajeer-265	14	2	journal	journal	PROPN
ajeer-265	14	3	of	of	ADP
ajeer-265	14	4	economics	economic	NOUN
ajeer-265	14	5	and	and	CCONJ
ajeer-265	14	6	empirical	empirical	ADJ
ajeer-265	14	7	research	research	NOUN
ajeer-265	14	8	,	,	PUNCT
ajeer-265	14	9	6(1	6(1	NUM
ajeer-265	14	10	):	):	PUNCT
ajeer-265	14	11	45	45	NUM
ajeer-265	14	12	-	-	SYM
ajeer-265	14	13	51	51	NUM
ajeer-265	14	14	.	.	PUNCT
ajeer-265	15	1	history	history	NOUN
ajeer-265	15	2	:	:	PUNCT
ajeer-265	15	3	received	receive	VERB
ajeer-265	15	4	:	:	PUNCT
ajeer-265	15	5	2	2	NUM
ajeer-265	15	6	november	november	PROPN
ajeer-265	15	7	2018	2018	NUM
ajeer-265	15	8	revised	revise	VERB
ajeer-265	15	9	:	:	PUNCT
ajeer-265	15	10	10	10	NUM
ajeer-265	15	11	december	december	PROPN
ajeer-265	15	12	2018	2018	NUM
ajeer-265	15	13	accepted	accept	VERB
ajeer-265	15	14	:	:	PUNCT
ajeer-265	15	15	14	14	NUM
ajeer-265	15	16	january	january	NOUN
ajeer-265	15	17	2019	2019	NUM
ajeer-265	15	18	published	publish	VERB
ajeer-265	15	19	:	:	PUNCT
ajeer-265	15	20	20	20	NUM
ajeer-265	15	21	march	march	NOUN
ajeer-265	15	22	2019	2019	NUM
ajeer-265	15	23	licensed	license	VERB
ajeer-265	15	24	:	:	PUNCT
ajeer-265	15	25	this	this	DET
ajeer-265	15	26	work	work	NOUN
ajeer-265	15	27	is	be	AUX
ajeer-265	15	28	licensed	license	VERB
ajeer-265	15	29	under	under	ADP
ajeer-265	15	30	a	a	DET
ajeer-265	15	31	creative	creative	ADJ
ajeer-265	15	32	commons	common	NOUN
ajeer-265	15	33	attribution	attribution	NOUN
ajeer-265	15	34	3.0	3.0	NUM
ajeer-265	15	35	license	license	NOUN
ajeer-265	15	36	publisher	publisher	NOUN
ajeer-265	15	37	:	:	PUNCT
ajeer-265	15	38	asian	asian	ADJ
ajeer-265	15	39	online	online	PROPN
ajeer-265	15	40	journal	journal	PROPN
ajeer-265	15	41	publishing	publishing	PROPN
ajeer-265	15	42	group	group	PROPN
ajeer-265	15	43	funding	funding	NOUN
ajeer-265	15	44	:	:	PUNCT
ajeer-265	15	45	this	this	DET
ajeer-265	15	46	study	study	NOUN
ajeer-265	15	47	received	receive	VERB
ajeer-265	15	48	no	no	DET
ajeer-265	15	49	specific	specific	ADJ
ajeer-265	15	50	financial	financial	ADJ
ajeer-265	15	51	support	support	NOUN
ajeer-265	15	52	.	.	PUNCT
ajeer-265	16	1	competing	compete	VERB
ajeer-265	16	2	interests	interest	NOUN
ajeer-265	16	3	:	:	PUNCT
ajeer-265	16	4	the	the	DET
ajeer-265	16	5	author	author	NOUN
ajeer-265	16	6	declares	declare	VERB
ajeer-265	16	7	that	that	SCONJ
ajeer-265	16	8	there	there	PRON
ajeer-265	16	9	are	be	VERB
ajeer-265	16	10	no	no	DET
ajeer-265	16	11	conflicts	conflict	NOUN
ajeer-265	16	12	of	of	ADP
ajeer-265	16	13	interests	interest	NOUN
ajeer-265	16	14	regarding	regard	VERB
ajeer-265	16	15	the	the	DET
ajeer-265	16	16	publication	publication	NOUN
ajeer-265	16	17	of	of	ADP
ajeer-265	16	18	this	this	DET
ajeer-265	16	19	paper	paper	NOUN
ajeer-265	16	20	.	.	PUNCT
ajeer-265	17	1	transparency	transparency	NOUN
ajeer-265	17	2	:	:	PUNCT
ajeer-265	17	3	the	the	DET
ajeer-265	17	4	author	author	NOUN
ajeer-265	17	5	confirms	confirm	VERB
ajeer-265	17	6	that	that	SCONJ
ajeer-265	17	7	the	the	DET
ajeer-265	17	8	manuscript	manuscript	NOUN
ajeer-265	17	9	is	be	AUX
ajeer-265	17	10	an	an	DET
ajeer-265	17	11	honest	honest	ADJ
ajeer-265	17	12	,	,	PUNCT
ajeer-265	17	13	accurate	accurate	ADJ
ajeer-265	17	14	,	,	PUNCT
ajeer-265	17	15	and	and	CCONJ
ajeer-265	17	16	transparent	transparent	ADJ
ajeer-265	17	17	account	account	NOUN
ajeer-265	17	18	of	of	ADP
ajeer-265	17	19	the	the	DET
ajeer-265	17	20	study	study	NOUN
ajeer-265	17	21	was	be	AUX
ajeer-265	17	22	reported	report	VERB
ajeer-265	17	23	;	;	PUNCT
ajeer-265	17	24	that	that	SCONJ
ajeer-265	17	25	no	no	DET
ajeer-265	17	26	vital	vital	ADJ
ajeer-265	17	27	features	feature	NOUN
ajeer-265	17	28	of	of	ADP
ajeer-265	17	29	the	the	DET
ajeer-265	17	30	study	study	NOUN
ajeer-265	17	31	have	have	AUX
ajeer-265	17	32	been	be	AUX
ajeer-265	17	33	omitted	omit	VERB
ajeer-265	17	34	;	;	PUNCT
ajeer-265	17	35	and	and	CCONJ
ajeer-265	17	36	that	that	SCONJ
ajeer-265	17	37	any	any	DET
ajeer-265	17	38	discrepancies	discrepancy	NOUN
ajeer-265	17	39	from	from	ADP
ajeer-265	17	40	the	the	DET
ajeer-265	17	41	study	study	NOUN
ajeer-265	17	42	as	as	SCONJ
ajeer-265	17	43	planned	plan	VERB
ajeer-265	17	44	have	have	AUX
ajeer-265	17	45	been	be	AUX
ajeer-265	17	46	explained	explain	VERB
ajeer-265	17	47	.	.	PUNCT
ajeer-265	18	1	ethical	ethical	ADJ
ajeer-265	18	2	:	:	PUNCT
ajeer-265	18	3	this	this	DET
ajeer-265	18	4	study	study	NOUN
ajeer-265	18	5	follows	follow	VERB
ajeer-265	18	6	all	all	DET
ajeer-265	18	7	ethical	ethical	ADJ
ajeer-265	18	8	practices	practice	NOUN
ajeer-265	18	9	during	during	ADP
ajeer-265	18	10	writing	writing	NOUN
ajeer-265	18	11	.	.	PUNCT
ajeer-265	19	1	contents	content	NOUN
ajeer-265	19	2	1	1	NUM
ajeer-265	19	3	.	.	PUNCT
ajeer-265	20	1	introduction	introduction	NOUN
ajeer-265	20	2	......................................................................................................................................................................................	......................................................................................................................................................................................	PUNCT
ajeer-265	21	1	46	46	NUM
ajeer-265	21	2	2	2	X
ajeer-265	21	3	.	.	PUNCT
ajeer-265	22	1	literature	literature	NOUN
ajeer-265	22	2	reviews	review	NOUN
ajeer-265	22	3	...........................................................................................................................................................................	...........................................................................................................................................................................	PUNCT
ajeer-265	22	4	46	46	NUM
ajeer-265	22	5	3	3	NUM
ajeer-265	22	6	.	.	PUNCT
ajeer-265	22	7	methodology	methodology	NOUN
ajeer-265	22	8	.....................................................................................................................................................................................	.....................................................................................................................................................................................	PUNCT
ajeer-265	23	1	47	47	NUM
ajeer-265	23	2	4	4	NUM
ajeer-265	23	3	.	.	PUNCT
ajeer-265	23	4	findings	finding	NOUN
ajeer-265	23	5	and	and	CCONJ
ajeer-265	23	6	discussions	discussion	NOUN
ajeer-265	23	7	of	of	ADP
ajeer-265	23	8	results	result	NOUN
ajeer-265	23	9	............................................................................................................................................	............................................................................................................................................	PUNCT
ajeer-265	24	1	49	49	NUM
ajeer-265	24	2	5	5	NUM
ajeer-265	24	3	.	.	PUNCT
ajeer-265	24	4	conclusion	conclusion	NOUN
ajeer-265	24	5	,	,	PUNCT
ajeer-265	24	6	policy	policy	NOUN
ajeer-265	24	7	implications	implication	NOUN
ajeer-265	24	8	and	and	CCONJ
ajeer-265	24	9	recommendations	recommendation	NOUN
ajeer-265	24	10	.........................................................................................................	.........................................................................................................	PUNCT
ajeer-265	25	1	50	50	NUM
ajeer-265	25	2	references	reference	NOUN
ajeer-265	25	3	..............................................................................................................................................................................................	..............................................................................................................................................................................................	PROPN
ajeer-265	25	4	51	51	NUM
ajeer-265	25	5	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.501.2019.61.45.51&domain=pdf&date_stamp=2017-01-14	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.501.2019.61.45.51&domain=pdf&date_stamp=2017-01-14	ADV
ajeer-265	25	6	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajeer-265	25	7	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajeer-265	25	8	http://asianonlinejournals.com/index.php/ajeer/article/view/265	http://asianonlinejournals.com/index.php/ajeer/article/view/265	PROPN
ajeer-265	25	9	https://orcid.org/0000-0002-1785-0728	https://orcid.org/0000-0002-1785-0728	NOUN
ajeer-265	25	10	http://asianonlinejournals.com/index.php/ajeer/article/view/265	http://asianonlinejournals.com/index.php/ajeer/article/view/265	PROPN
ajeer-265	25	11	https://orcid.org/0000-0002-1785-0728	https://orcid.org/0000-0002-1785-0728	NOUN
ajeer-265	25	12	http://asianonlinejournals.com/index.php/ajeer/article/view/265	http://asianonlinejournals.com/index.php/ajeer/article/view/265	PROPN
ajeer-265	25	13	https://orcid.org/0000-0002-1785-0728	https://orcid.org/0000-0002-1785-0728	PROPN
ajeer-265	25	14	asian	asian	ADJ
ajeer-265	25	15	journal	journal	NOUN
ajeer-265	25	16	of	of	ADP
ajeer-265	25	17	economics	economic	NOUN
ajeer-265	25	18	and	and	CCONJ
ajeer-265	25	19	empirical	empirical	ADJ
ajeer-265	25	20	research	research	NOUN
ajeer-265	25	21	,	,	PUNCT
ajeer-265	25	22	2019	2019	NUM
ajeer-265	25	23	,	,	PUNCT
ajeer-265	25	24	6(1	6(1	NUM
ajeer-265	25	25	):	):	PUNCT
ajeer-265	25	26	45	45	NUM
ajeer-265	25	27	-	-	SYM
ajeer-265	25	28	51	51	NUM
ajeer-265	25	29	46	46	NUM
ajeer-265	25	30	©	©	PROPN
ajeer-265	25	31	2019	2019	NUM
ajeer-265	25	32	by	by	ADP
ajeer-265	25	33	the	the	DET
ajeer-265	25	34	authors	author	NOUN
ajeer-265	25	35	;	;	PUNCT
ajeer-265	25	36	licensee	licensee	PROPN
ajeer-265	25	37	asian	asian	ADJ
ajeer-265	25	38	online	online	PROPN
ajeer-265	25	39	journal	journal	PROPN
ajeer-265	25	40	publishing	publishing	NOUN
ajeer-265	25	41	group	group	PROPN
ajeer-265	25	42	1	1	NUM
ajeer-265	25	43	.	.	PUNCT
ajeer-265	25	44	introduction	introduction	NOUN
ajeer-265	25	45	researchers	researcher	NOUN
ajeer-265	25	46	to	to	ADP
ajeer-265	25	47	date	date	NOUN
ajeer-265	25	48	have	have	AUX
ajeer-265	25	49	made	make	VERB
ajeer-265	25	50	considerable	considerable	ADJ
ajeer-265	25	51	effort	effort	NOUN
ajeer-265	25	52	in	in	ADP
ajeer-265	25	53	estimating	estimate	VERB
ajeer-265	25	54	the	the	DET
ajeer-265	25	55	effects	effect	NOUN
ajeer-265	25	56	of	of	ADP
ajeer-265	25	57	health	health	NOUN
ajeer-265	25	58	insurance	insurance	NOUN
ajeer-265	25	59	and	and	CCONJ
ajeer-265	25	60	spending	spending	NOUN
ajeer-265	25	61	on	on	ADP
ajeer-265	25	62	health	health	NOUN
ajeer-265	25	63	outcomes	outcome	NOUN
ajeer-265	25	64	in	in	ADP
ajeer-265	25	65	developing	develop	VERB
ajeer-265	25	66	countries	country	NOUN
ajeer-265	25	67	(	(	PUNCT
ajeer-265	25	68	alam	alam	PROPN
ajeer-265	25	69	and	and	CCONJ
ajeer-265	25	70	mahal	mahal	PROPN
ajeer-265	25	71	,	,	PUNCT
ajeer-265	25	72	2014	2014	NUM
ajeer-265	25	73	;	;	PUNCT
ajeer-265	25	74	witter	witter	PROPN
ajeer-265	25	75	et	et	PROPN
ajeer-265	25	76	al	al	PROPN
ajeer-265	25	77	.	.	PROPN
ajeer-265	25	78	,	,	PUNCT
ajeer-265	25	79	2017	2017	NUM
ajeer-265	25	80	;	;	PUNCT
ajeer-265	25	81	dake	dake	NOUN
ajeer-265	25	82	,	,	PUNCT
ajeer-265	25	83	2018	2018	NUM
ajeer-265	25	84	;	;	PUNCT
ajeer-265	25	85	dorfleitner	dorfleitner	NOUN
ajeer-265	25	86	and	and	CCONJ
ajeer-265	25	87	rößle	rößle	NOUN
ajeer-265	25	88	,	,	PUNCT
ajeer-265	25	89	2018	2018	NUM
ajeer-265	25	90	)	)	PUNCT
ajeer-265	25	91	.	.	PUNCT
ajeer-265	26	1	however	however	ADV
ajeer-265	26	2	,	,	PUNCT
ajeer-265	26	3	little	little	ADJ
ajeer-265	26	4	is	be	AUX
ajeer-265	26	5	known	know	VERB
ajeer-265	26	6	about	about	ADP
ajeer-265	26	7	the	the	DET
ajeer-265	26	8	extent	extent	NOUN
ajeer-265	26	9	to	to	PART
ajeer-265	26	10	which	which	PRON
ajeer-265	26	11	financial	financial	ADJ
ajeer-265	26	12	inclusion	inclusion	NOUN
ajeer-265	26	13	affects	affect	VERB
ajeer-265	26	14	health	health	NOUN
ajeer-265	26	15	shocks	shock	NOUN
ajeer-265	26	16	in	in	ADP
ajeer-265	26	17	africa	africa	PROPN
ajeer-265	26	18	,	,	PUNCT
ajeer-265	26	19	where	where	SCONJ
ajeer-265	26	20	formal	formal	ADJ
ajeer-265	26	21	health	health	NOUN
ajeer-265	26	22	insurance	insurance	NOUN
ajeer-265	26	23	is	be	AUX
ajeer-265	26	24	hardly	hardly	ADV
ajeer-265	26	25	accessible	accessible	ADJ
ajeer-265	26	26	and	and	CCONJ
ajeer-265	26	27	limited	limited	ADJ
ajeer-265	26	28	.	.	PUNCT
ajeer-265	27	1	observably	observably	ADV
ajeer-265	27	2	,	,	PUNCT
ajeer-265	27	3	african	african	ADJ
ajeer-265	27	4	countries	country	NOUN
ajeer-265	27	5	lagged	lag	VERB
ajeer-265	27	6	behind	behind	ADV
ajeer-265	27	7	in	in	ADP
ajeer-265	27	8	the	the	DET
ajeer-265	27	9	attainment	attainment	NOUN
ajeer-265	27	10	of	of	ADP
ajeer-265	27	11	healthand	healthand	NOUN
ajeer-265	27	12	welfare	welfare	NOUN
ajeer-265	27	13	-	-	PUNCT
ajeer-265	27	14	related	relate	VERB
ajeer-265	27	15	of	of	ADP
ajeer-265	27	16	recent	recent	ADJ
ajeer-265	27	17	past	past	PROPN
ajeer-265	27	18	millennium	millennium	NOUN
ajeer-265	27	19	development	development	NOUN
ajeer-265	27	20	goals	goal	NOUN
ajeer-265	27	21	(	(	PUNCT
ajeer-265	27	22	novignon	novignon	PROPN
ajeer-265	27	23	et	et	PROPN
ajeer-265	27	24	al	al	PROPN
ajeer-265	27	25	.	.	PROPN
ajeer-265	27	26	,	,	PUNCT
ajeer-265	27	27	2015	2015	NUM
ajeer-265	27	28	)	)	PUNCT
ajeer-265	27	29	perhaps	perhaps	ADV
ajeer-265	27	30	because	because	SCONJ
ajeer-265	27	31	most	most	ADJ
ajeer-265	27	32	africans	africans	PROPN
ajeer-265	27	33	depend	depend	VERB
ajeer-265	27	34	largely	largely	ADV
ajeer-265	27	35	on	on	ADP
ajeer-265	27	36	out	out	ADP
ajeer-265	27	37	-	-	PUNCT
ajeer-265	27	38	of	of	ADP
ajeer-265	27	39	-	-	PUNCT
ajeer-265	27	40	pocket	pocket	NOUN
ajeer-265	27	41	payments	payment	NOUN
ajeer-265	27	42	for	for	ADP
ajeer-265	27	43	medical	medical	ADJ
ajeer-265	27	44	-	-	PUNCT
ajeer-265	27	45	care	care	NOUN
ajeer-265	27	46	services	service	NOUN
ajeer-265	27	47	during	during	ADP
ajeer-265	27	48	their	their	PRON
ajeer-265	27	49	health	health	NOUN
ajeer-265	27	50	shocks	shock	NOUN
ajeer-265	27	51	experiences	experience	NOUN
ajeer-265	27	52	.	.	PUNCT
ajeer-265	28	1	health	health	NOUN
ajeer-265	28	2	shocks	shock	NOUN
ajeer-265	28	3	,	,	PUNCT
ajeer-265	28	4	the	the	DET
ajeer-265	28	5	unpredictable	unpredictable	ADJ
ajeer-265	28	6	illnesses	illness	NOUN
ajeer-265	28	7	that	that	PRON
ajeer-265	28	8	reduce	reduce	VERB
ajeer-265	28	9	longevity	longevity	NOUN
ajeer-265	28	10	and	and	CCONJ
ajeer-265	28	11	that	that	PRON
ajeer-265	28	12	quickly	quickly	ADV
ajeer-265	28	13	diminish	diminish	VERB
ajeer-265	28	14	health	health	NOUN
ajeer-265	28	15	status	status	NOUN
ajeer-265	28	16	of	of	ADP
ajeer-265	28	17	individuals	individual	NOUN
ajeer-265	28	18	(	(	PUNCT
ajeer-265	28	19	leivea	leivea	NOUN
ajeer-265	28	20	and	and	CCONJ
ajeer-265	28	21	xub	xub	NOUN
ajeer-265	28	22	,	,	PUNCT
ajeer-265	28	23	2008	2008	NUM
ajeer-265	28	24	)	)	PUNCT
ajeer-265	28	25	is	be	AUX
ajeer-265	28	26	often	often	ADV
ajeer-265	28	27	sudden	sudden	ADJ
ajeer-265	28	28	events	event	NOUN
ajeer-265	28	29	.	.	PUNCT
ajeer-265	29	1	this	this	PRON
ajeer-265	29	2	has	have	AUX
ajeer-265	29	3	been	be	AUX
ajeer-265	29	4	a	a	DET
ajeer-265	29	5	great	great	ADJ
ajeer-265	29	6	concern	concern	NOUN
ajeer-265	29	7	to	to	ADP
ajeer-265	29	8	both	both	DET
ajeer-265	29	9	citizens	citizen	NOUN
ajeer-265	29	10	and	and	CCONJ
ajeer-265	29	11	policy	policy	NOUN
ajeer-265	29	12	makers	maker	NOUN
ajeer-265	29	13	across	across	ADP
ajeer-265	29	14	africa	africa	PROPN
ajeer-265	29	15	for	for	ADP
ajeer-265	29	16	a	a	DET
ajeer-265	29	17	long	long	ADJ
ajeer-265	29	18	time	time	NOUN
ajeer-265	29	19	.	.	PUNCT
ajeer-265	30	1	it	it	PRON
ajeer-265	30	2	also	also	ADV
ajeer-265	30	3	appears	appear	VERB
ajeer-265	30	4	to	to	PART
ajeer-265	30	5	be	be	AUX
ajeer-265	30	6	the	the	DET
ajeer-265	30	7	biggest	big	ADJ
ajeer-265	30	8	obstacle	obstacle	NOUN
ajeer-265	30	9	in	in	ADP
ajeer-265	30	10	achieving	achieve	VERB
ajeer-265	30	11	sustainable	sustainable	ADJ
ajeer-265	30	12	development	development	NOUN
ajeer-265	30	13	goals	goal	NOUN
ajeer-265	30	14	(	(	PUNCT
ajeer-265	30	15	sdgs	sdgs	ADJ
ajeer-265	30	16	)	)	PUNCT
ajeer-265	30	17	;	;	PUNCT
ajeer-265	30	18	where	where	SCONJ
ajeer-265	30	19	several	several	ADJ
ajeer-265	30	20	of	of	ADP
ajeer-265	30	21	the	the	DET
ajeer-265	30	22	africa	africa	PROPN
ajeer-265	30	23	’s	’s	PART
ajeer-265	30	24	countries	country	NOUN
ajeer-265	30	25	are	be	AUX
ajeer-265	30	26	still	still	ADV
ajeer-265	30	27	low	low	ADJ
ajeer-265	30	28	-	-	PUNCT
ajeer-265	30	29	income	income	NOUN
ajeer-265	30	30	nations	nation	NOUN
ajeer-265	30	31	due	due	ADP
ajeer-265	30	32	to	to	ADP
ajeer-265	30	33	high	high	ADJ
ajeer-265	30	34	poverty	poverty	NOUN
ajeer-265	30	35	prevalence	prevalence	NOUN
ajeer-265	30	36	and	and	CCONJ
ajeer-265	30	37	deteriorating	deteriorating	ADJ
ajeer-265	30	38	welfare	welfare	NOUN
ajeer-265	30	39	system	system	NOUN
ajeer-265	30	40	(	(	PUNCT
ajeer-265	30	41	see	see	VERB
ajeer-265	30	42	ellyne	ellyne	NOUN
ajeer-265	30	43	and	and	CCONJ
ajeer-265	30	44	mahlalela	mahlalela	PROPN
ajeer-265	30	45	(	(	PUNCT
ajeer-265	30	46	2017	2017	NUM
ajeer-265	30	47	)	)	PUNCT
ajeer-265	30	48	)	)	PUNCT
ajeer-265	30	49	.	.	PUNCT
ajeer-265	31	1	these	these	DET
ajeer-265	31	2	factors	factor	NOUN
ajeer-265	31	3	also	also	ADV
ajeer-265	31	4	associated	associate	VERB
ajeer-265	31	5	with	with	ADP
ajeer-265	31	6	african	african	PROPN
ajeer-265	31	7	’s	’s	PART
ajeer-265	31	8	citizens	citizen	NOUN
ajeer-265	31	9	inability	inability	NOUN
ajeer-265	31	10	to	to	PART
ajeer-265	31	11	access	access	VERB
ajeer-265	31	12	timely	timely	ADV
ajeer-265	31	13	and	and	CCONJ
ajeer-265	31	14	appropriate	appropriate	ADJ
ajeer-265	31	15	healthcare	healthcare	NOUN
ajeer-265	31	16	services	service	NOUN
ajeer-265	31	17	during	during	ADP
ajeer-265	31	18	the	the	DET
ajeer-265	31	19	periods	period	NOUN
ajeer-265	31	20	of	of	ADP
ajeer-265	31	21	health	health	NOUN
ajeer-265	31	22	shocks	shock	NOUN
ajeer-265	31	23	.	.	PUNCT
ajeer-265	32	1	all	all	DET
ajeer-265	32	2	citizens	citizen	NOUN
ajeer-265	32	3	that	that	PRON
ajeer-265	32	4	experience	experience	VERB
ajeer-265	32	5	health	health	NOUN
ajeer-265	32	6	shocks	shock	NOUN
ajeer-265	32	7	are	be	AUX
ajeer-265	32	8	frequently	frequently	ADV
ajeer-265	32	9	affected	affect	VERB
ajeer-265	32	10	by	by	ADP
ajeer-265	32	11	income	income	NOUN
ajeer-265	32	12	loss	loss	NOUN
ajeer-265	32	13	because	because	SCONJ
ajeer-265	32	14	of	of	ADP
ajeer-265	32	15	their	their	PRON
ajeer-265	32	16	inability	inability	NOUN
ajeer-265	32	17	to	to	PART
ajeer-265	32	18	work	work	VERB
ajeer-265	32	19	and	and	CCONJ
ajeer-265	32	20	needs	need	NOUN
ajeer-265	32	21	for	for	ADP
ajeer-265	32	22	medical	medical	ADJ
ajeer-265	32	23	-	-	PUNCT
ajeer-265	32	24	care	care	NOUN
ajeer-265	32	25	treatment	treatment	NOUN
ajeer-265	32	26	payments	payment	NOUN
ajeer-265	32	27	.	.	PUNCT
ajeer-265	33	1	therefore	therefore	ADV
ajeer-265	33	2	,	,	PUNCT
ajeer-265	33	3	it	it	PRON
ajeer-265	33	4	is	be	AUX
ajeer-265	33	5	pertinent	pertinent	ADJ
ajeer-265	33	6	to	to	PART
ajeer-265	33	7	note	note	VERB
ajeer-265	33	8	that	that	SCONJ
ajeer-265	33	9	the	the	DET
ajeer-265	33	10	first	first	ADJ
ajeer-265	33	11	safety	safety	NOUN
ajeer-265	33	12	net	net	NOUN
ajeer-265	33	13	that	that	PRON
ajeer-265	33	14	people	people	NOUN
ajeer-265	33	15	rely	rely	VERB
ajeer-265	33	16	on	on	ADP
ajeer-265	33	17	during	during	ADP
ajeer-265	33	18	health	health	NOUN
ajeer-265	33	19	shocks	shock	NOUN
ajeer-265	33	20	is	be	AUX
ajeer-265	33	21	their	their	PRON
ajeer-265	33	22	own	own	ADJ
ajeer-265	33	23	financial	financial	ADJ
ajeer-265	33	24	resources	resource	NOUN
ajeer-265	33	25	.	.	PUNCT
ajeer-265	34	1	though	though	SCONJ
ajeer-265	34	2	people	people	NOUN
ajeer-265	34	3	often	often	ADV
ajeer-265	34	4	employ	employ	VERB
ajeer-265	34	5	different	different	ADJ
ajeer-265	34	6	health	health	NOUN
ajeer-265	34	7	financing	financing	NOUN
ajeer-265	34	8	strategies	strategy	NOUN
ajeer-265	34	9	to	to	PART
ajeer-265	34	10	cope	cope	VERB
ajeer-265	34	11	with	with	ADP
ajeer-265	34	12	their	their	PRON
ajeer-265	34	13	health	health	NOUN
ajeer-265	34	14	shocks	shock	NOUN
ajeer-265	34	15	.	.	PUNCT
ajeer-265	35	1	these	these	DET
ajeer-265	35	2	strategies	strategy	NOUN
ajeer-265	35	3	could	could	AUX
ajeer-265	35	4	be	be	AUX
ajeer-265	35	5	from	from	ADP
ajeer-265	35	6	the	the	DET
ajeer-265	35	7	use	use	NOUN
ajeer-265	35	8	of	of	ADP
ajeer-265	35	9	savings	saving	NOUN
ajeer-265	35	10	,	,	PUNCT
ajeer-265	35	11	borrowing	borrow	VERB
ajeer-265	35	12	funds	fund	NOUN
ajeer-265	35	13	from	from	ADP
ajeer-265	35	14	family	family	NOUN
ajeer-265	35	15	and	and	CCONJ
ajeer-265	35	16	friends	friend	NOUN
ajeer-265	35	17	,	,	PUNCT
ajeer-265	35	18	selling	selling	NOUN
ajeer-265	35	19	of	of	ADP
ajeer-265	35	20	assets	asset	NOUN
ajeer-265	35	21	and	and	CCONJ
ajeer-265	35	22	properties	property	NOUN
ajeer-265	35	23	,	,	PUNCT
ajeer-265	35	24	or	or	CCONJ
ajeer-265	35	25	take	take	VERB
ajeer-265	35	26	out	out	ADP
ajeer-265	35	27	loan	loan	NOUN
ajeer-265	35	28	probably	probably	ADV
ajeer-265	35	29	using	use	VERB
ajeer-265	35	30	collateral	collateral	NOUN
ajeer-265	35	31	.	.	PUNCT
ajeer-265	36	1	all	all	DET
ajeer-265	36	2	these	these	PRON
ajeer-265	36	3	associated	associate	VERB
ajeer-265	36	4	with	with	ADP
ajeer-265	36	5	the	the	DET
ajeer-265	36	6	degree	degree	NOUN
ajeer-265	36	7	of	of	ADP
ajeer-265	36	8	financial	financial	ADJ
ajeer-265	36	9	inclusion	inclusion	NOUN
ajeer-265	36	10	in	in	ADP
ajeer-265	36	11	their	their	PRON
ajeer-265	36	12	societies	society	NOUN
ajeer-265	36	13	perhaps	perhaps	ADV
ajeer-265	36	14	,	,	PUNCT
ajeer-265	36	15	to	to	PART
ajeer-265	36	16	improve	improve	VERB
ajeer-265	36	17	longevity	longevity	NOUN
ajeer-265	36	18	or	or	CCONJ
ajeer-265	36	19	average	average	ADJ
ajeer-265	36	20	life	life	NOUN
ajeer-265	36	21	expectancy	expectancy	NOUN
ajeer-265	36	22	at	at	ADP
ajeer-265	36	23	birth	birth	NOUN
ajeer-265	36	24	and	and	CCONJ
ajeer-265	36	25	achieve	achieve	VERB
ajeer-265	36	26	an	an	DET
ajeer-265	36	27	efficient	efficient	ADJ
ajeer-265	36	28	health	health	NOUN
ajeer-265	36	29	system	system	NOUN
ajeer-265	36	30	in	in	ADP
ajeer-265	36	31	africa	africa	PROPN
ajeer-265	36	32	,	,	PUNCT
ajeer-265	36	33	improved	improve	VERB
ajeer-265	36	34	financial	financial	ADJ
ajeer-265	36	35	inclusion	inclusion	NOUN
ajeer-265	36	36	is	be	AUX
ajeer-265	36	37	fundamental	fundamental	ADJ
ajeer-265	36	38	for	for	ADP
ajeer-265	36	39	easy	easy	ADJ
ajeer-265	36	40	access	access	NOUN
ajeer-265	36	41	to	to	ADP
ajeer-265	36	42	credit	credit	NOUN
ajeer-265	36	43	and	and	CCONJ
ajeer-265	36	44	savings	saving	NOUN
ajeer-265	36	45	.	.	PUNCT
ajeer-265	37	1	this	this	PRON
ajeer-265	37	2	makes	make	VERB
ajeer-265	37	3	it	it	PRON
ajeer-265	37	4	imperative	imperative	ADJ
ajeer-265	37	5	to	to	PART
ajeer-265	37	6	understand	understand	VERB
ajeer-265	37	7	how	how	SCONJ
ajeer-265	37	8	to	to	PART
ajeer-265	37	9	facilitate	facilitate	VERB
ajeer-265	37	10	healthcare	healthcare	NOUN
ajeer-265	37	11	financing	financing	NOUN
ajeer-265	37	12	through	through	ADP
ajeer-265	37	13	easy	easy	ADJ
ajeer-265	37	14	access	access	NOUN
ajeer-265	37	15	to	to	ADP
ajeer-265	37	16	savings	saving	NOUN
ajeer-265	37	17	and	and	CCONJ
ajeer-265	37	18	credits	credit	NOUN
ajeer-265	37	19	to	to	PART
ajeer-265	37	20	improve	improve	VERB
ajeer-265	37	21	longevity	longevity	NOUN
ajeer-265	37	22	for	for	ADP
ajeer-265	37	23	africans	africans	PROPN
ajeer-265	37	24	.	.	PUNCT
ajeer-265	38	1	thus	thus	ADV
ajeer-265	38	2	,	,	PUNCT
ajeer-265	38	3	the	the	DET
ajeer-265	38	4	purpose	purpose	NOUN
ajeer-265	38	5	of	of	ADP
ajeer-265	38	6	this	this	DET
ajeer-265	38	7	paper	paper	NOUN
ajeer-265	38	8	is	be	AUX
ajeer-265	38	9	to	to	PART
ajeer-265	38	10	explore	explore	VERB
ajeer-265	38	11	empirically	empirically	ADV
ajeer-265	38	12	the	the	DET
ajeer-265	38	13	impacts	impact	NOUN
ajeer-265	38	14	of	of	ADP
ajeer-265	38	15	financial	financial	ADJ
ajeer-265	38	16	inclusion	inclusion	NOUN
ajeer-265	38	17	on	on	ADP
ajeer-265	38	18	health	health	NOUN
ajeer-265	38	19	shocks	shock	NOUN
ajeer-265	38	20	;	;	PUNCT
ajeer-265	38	21	however	however	ADV
ajeer-265	38	22	,	,	PUNCT
ajeer-265	38	23	due	due	ADP
ajeer-265	38	24	to	to	ADP
ajeer-265	38	25	limited	limited	ADJ
ajeer-265	38	26	data	data	NOUN
ajeer-265	38	27	availability	availability	NOUN
ajeer-265	38	28	on	on	ADP
ajeer-265	38	29	health	health	NOUN
ajeer-265	38	30	shock	shock	NOUN
ajeer-265	38	31	,	,	PUNCT
ajeer-265	38	32	the	the	DET
ajeer-265	38	33	study	study	NOUN
ajeer-265	38	34	proxy	proxy	ADJ
ajeer-265	38	35	average	average	ADJ
ajeer-265	38	36	life	life	NOUN
ajeer-265	38	37	expectancy	expectancy	NOUN
ajeer-265	38	38	at	at	ADP
ajeer-265	38	39	birth	birth	NOUN
ajeer-265	38	40	for	for	ADP
ajeer-265	38	41	health	health	NOUN
ajeer-265	38	42	shock	shock	NOUN
ajeer-265	38	43	in	in	ADP
ajeer-265	38	44	36	36	NUM
ajeer-265	38	45	africa	africa	PROPN
ajeer-265	38	46	countries	country	NOUN
ajeer-265	38	47	(	(	PUNCT
ajeer-265	38	48	algeria	algeria	PROPN
ajeer-265	38	49	,	,	PUNCT
ajeer-265	38	50	angola	angola	PROPN
ajeer-265	38	51	,	,	PUNCT
ajeer-265	38	52	burundi	burundi	PROPN
ajeer-265	38	53	,	,	PUNCT
ajeer-265	38	54	benin	benin	PROPN
ajeer-265	38	55	,	,	PUNCT
ajeer-265	38	56	burkina	burkina	PROPN
ajeer-265	38	57	faso	faso	PROPN
ajeer-265	38	58	,	,	PUNCT
ajeer-265	38	59	botswana	botswana	PROPN
ajeer-265	38	60	,	,	PUNCT
ajeer-265	38	61	cameroon	cameroon	PROPN
ajeer-265	38	62	,	,	PUNCT
ajeer-265	38	63	comoros	comoros	PROPN
ajeer-265	38	64	,	,	PUNCT
ajeer-265	38	65	cote	cote	PROPN
ajeer-265	38	66	d’ivoire	d’ivoire	PROPN
ajeer-265	38	67	,	,	PUNCT
ajeer-265	38	68	democratic	democratic	ADJ
ajeer-265	38	69	republic	republic	NOUN
ajeer-265	38	70	of	of	ADP
ajeer-265	38	71	congo	congo	PROPN
ajeer-265	38	72	,	,	PUNCT
ajeer-265	38	73	congo	congo	PROPN
ajeer-265	38	74	republic	republic	PROPN
ajeer-265	38	75	,	,	PUNCT
ajeer-265	38	76	cabo	cabo	NOUN
ajeer-265	38	77	verde	verde	NOUN
ajeer-265	38	78	,	,	PUNCT
ajeer-265	38	79	ghana	ghana	PROPN
ajeer-265	38	80	,	,	PUNCT
ajeer-265	38	81	guinea	guinea	NOUN
ajeer-265	38	82	,	,	PUNCT
ajeer-265	38	83	gambia	gambia	PROPN
ajeer-265	38	84	,	,	PUNCT
ajeer-265	38	85	guinea	guinea	NOUN
ajeer-265	38	86	-	-	PUNCT
ajeer-265	38	87	bissau	bissau	PROPN
ajeer-265	38	88	,	,	PUNCT
ajeer-265	38	89	kenya	kenya	PROPN
ajeer-265	38	90	,	,	PUNCT
ajeer-265	38	91	lesotho	lesotho	PROPN
ajeer-265	38	92	,	,	PUNCT
ajeer-265	38	93	malawi	malawi	PROPN
ajeer-265	38	94	,	,	PUNCT
ajeer-265	38	95	madagascar	madagascar	PROPN
ajeer-265	38	96	,	,	PUNCT
ajeer-265	38	97	mali	mali	PROPN
ajeer-265	38	98	,	,	PUNCT
ajeer-265	38	99	morocco	morocco	PROPN
ajeer-265	38	100	,	,	PUNCT
ajeer-265	38	101	mozambique	mozambique	PROPN
ajeer-265	38	102	,	,	PUNCT
ajeer-265	38	103	namibia	namibia	PROPN
ajeer-265	38	104	,	,	PUNCT
ajeer-265	38	105	niger	niger	PROPN
ajeer-265	38	106	,	,	PUNCT
ajeer-265	38	107	nigeria	nigeria	PROPN
ajeer-265	38	108	,	,	PUNCT
ajeer-265	38	109	rwanda	rwanda	PROPN
ajeer-265	38	110	,	,	PUNCT
ajeer-265	38	111	senegal	senegal	NOUN
ajeer-265	38	112	,	,	PUNCT
ajeer-265	38	113	sao	sao	PROPN
ajeer-265	38	114	tome	tome	NOUN
ajeer-265	38	115	and	and	CCONJ
ajeer-265	38	116	principe	principe	NOUN
ajeer-265	38	117	,	,	PUNCT
ajeer-265	38	118	seychelles	seychelle	NOUN
ajeer-265	38	119	,	,	PUNCT
ajeer-265	38	120	togo	togo	PROPN
ajeer-265	38	121	,	,	PUNCT
ajeer-265	38	122	tunisia	tunisia	PROPN
ajeer-265	38	123	,	,	PUNCT
ajeer-265	38	124	tanzania	tanzania	PROPN
ajeer-265	38	125	,	,	PUNCT
ajeer-265	38	126	uganda	uganda	PROPN
ajeer-265	38	127	,	,	PUNCT
ajeer-265	38	128	south	south	PROPN
ajeer-265	38	129	africa	africa	PROPN
ajeer-265	38	130	and	and	CCONJ
ajeer-265	38	131	zimbabwe	zimbabwe	PROPN
ajeer-265	38	132	)	)	PUNCT
ajeer-265	38	133	.	.	PUNCT
ajeer-265	39	1	these	these	DET
ajeer-265	39	2	nations	nation	NOUN
ajeer-265	39	3	vary	vary	VERB
ajeer-265	39	4	in	in	ADP
ajeer-265	39	5	their	their	PRON
ajeer-265	39	6	level	level	NOUN
ajeer-265	39	7	of	of	ADP
ajeer-265	39	8	total	total	ADJ
ajeer-265	39	9	health	health	NOUN
ajeer-265	39	10	expenditure	expenditure	NOUN
ajeer-265	39	11	,	,	PUNCT
ajeer-265	39	12	numbers	number	NOUN
ajeer-265	39	13	of	of	ADP
ajeer-265	39	14	depositors	depositor	NOUN
ajeer-265	39	15	with	with	ADP
ajeer-265	39	16	commercial	commercial	ADJ
ajeer-265	39	17	banks	bank	NOUN
ajeer-265	39	18	per	per	ADP
ajeer-265	39	19	1,000	1,000	NUM
ajeer-265	39	20	adults	adult	NOUN
ajeer-265	39	21	,	,	PUNCT
ajeer-265	39	22	extent	extent	NOUN
ajeer-265	39	23	of	of	ADP
ajeer-265	39	24	financing	finance	VERB
ajeer-265	39	25	healthcare	healthcare	NOUN
ajeer-265	39	26	,	,	PUNCT
ajeer-265	39	27	and	and	CCONJ
ajeer-265	39	28	average	average	ADJ
ajeer-265	39	29	life	life	NOUN
ajeer-265	39	30	expectancy	expectancy	NOUN
ajeer-265	39	31	.	.	PUNCT
ajeer-265	40	1	for	for	ADP
ajeer-265	40	2	instance	instance	NOUN
ajeer-265	40	3	,	,	PUNCT
ajeer-265	40	4	the	the	DET
ajeer-265	40	5	average	average	ADJ
ajeer-265	40	6	longevity	longevity	NOUN
ajeer-265	40	7	ranges	range	VERB
ajeer-265	40	8	from	from	ADP
ajeer-265	40	9	a	a	DET
ajeer-265	40	10	low	low	NOUN
ajeer-265	40	11	of	of	ADP
ajeer-265	40	12	44.5	44.5	NUM
ajeer-265	40	13	years	year	NOUN
ajeer-265	40	14	in	in	ADP
ajeer-265	40	15	zimbabwe	zimbabwe	PROPN
ajeer-265	40	16	to	to	ADP
ajeer-265	40	17	a	a	DET
ajeer-265	40	18	high	high	NOUN
ajeer-265	40	19	of	of	ADP
ajeer-265	40	20	63	63	NUM
ajeer-265	40	21	years	year	NOUN
ajeer-265	40	22	in	in	ADP
ajeer-265	40	23	ghana	ghana	PROPN
ajeer-265	40	24	for	for	ADP
ajeer-265	40	25	2004	2004	NUM
ajeer-265	40	26	and	and	CCONJ
ajeer-265	40	27	2016	2016	NUM
ajeer-265	40	28	respectively	respectively	ADV
ajeer-265	40	29	.	.	PUNCT
ajeer-265	41	1	furthermore	furthermore	ADV
ajeer-265	41	2	,	,	PUNCT
ajeer-265	41	3	the	the	DET
ajeer-265	41	4	pursuit	pursuit	NOUN
ajeer-265	41	5	of	of	ADP
ajeer-265	41	6	the	the	DET
ajeer-265	41	7	study	study	NOUN
ajeer-265	41	8	is	be	AUX
ajeer-265	41	9	based	base	VERB
ajeer-265	41	10	on	on	ADP
ajeer-265	41	11	two	two	NUM
ajeer-265	41	12	interrelated	interrelated	ADJ
ajeer-265	41	13	factors	factor	NOUN
ajeer-265	41	14	;	;	PUNCT
ajeer-265	41	15	(	(	PUNCT
ajeer-265	41	16	i	i	NOUN
ajeer-265	41	17	)	)	PUNCT
ajeer-265	41	18	equitable	equitable	ADJ
ajeer-265	41	19	access	access	NOUN
ajeer-265	41	20	to	to	ADP
ajeer-265	41	21	healthcare	healthcare	PROPN
ajeer-265	41	22	services	service	NOUN
ajeer-265	41	23	during	during	ADP
ajeer-265	41	24	health	health	NOUN
ajeer-265	41	25	shocks	shock	NOUN
ajeer-265	41	26	periods	period	NOUN
ajeer-265	41	27	remain	remain	VERB
ajeer-265	41	28	a	a	DET
ajeer-265	41	29	big	big	ADJ
ajeer-265	41	30	challenge	challenge	NOUN
ajeer-265	41	31	in	in	ADP
ajeer-265	41	32	africa	africa	PROPN
ajeer-265	41	33	;	;	PUNCT
ajeer-265	41	34	and	and	CCONJ
ajeer-265	41	35	(	(	PUNCT
ajeer-265	41	36	ii	ii	NOUN
ajeer-265	41	37	)	)	PUNCT
ajeer-265	41	38	timely	timely	ADJ
ajeer-265	41	39	healthcare	healthcare	NOUN
ajeer-265	41	40	financing	financing	NOUN
ajeer-265	41	41	improves	improve	VERB
ajeer-265	41	42	longevity	longevity	NOUN
ajeer-265	41	43	and	and	CCONJ
ajeer-265	41	44	economic	economic	ADJ
ajeer-265	41	45	activities	activity	NOUN
ajeer-265	41	46	.	.	PUNCT
ajeer-265	42	1	therefore	therefore	ADV
ajeer-265	42	2	,	,	PUNCT
ajeer-265	42	3	the	the	DET
ajeer-265	42	4	paper	paper	NOUN
ajeer-265	42	5	started	start	VERB
ajeer-265	42	6	with	with	ADP
ajeer-265	42	7	an	an	DET
ajeer-265	42	8	introductory	introductory	ADJ
ajeer-265	42	9	section	section	NOUN
ajeer-265	42	10	followed	follow	VERB
ajeer-265	42	11	by	by	ADP
ajeer-265	42	12	a	a	DET
ajeer-265	42	13	review	review	NOUN
ajeer-265	42	14	of	of	ADP
ajeer-265	42	15	related	related	ADJ
ajeer-265	42	16	literature	literature	NOUN
ajeer-265	42	17	in	in	ADP
ajeer-265	42	18	section	section	NOUN
ajeer-265	42	19	two	two	NUM
ajeer-265	42	20	.	.	PUNCT
ajeer-265	43	1	section	section	NOUN
ajeer-265	43	2	three	three	NUM
ajeer-265	43	3	dwells	dwell	NOUN
ajeer-265	43	4	on	on	ADP
ajeer-265	43	5	methodology	methodology	NOUN
ajeer-265	43	6	,	,	PUNCT
ajeer-265	43	7	while	while	SCONJ
ajeer-265	43	8	section	section	NOUN
ajeer-265	43	9	four	four	NUM
ajeer-265	43	10	presents	present	VERB
ajeer-265	43	11	the	the	DET
ajeer-265	43	12	empirical	empirical	ADJ
ajeer-265	43	13	findings	finding	NOUN
ajeer-265	43	14	.	.	PUNCT
ajeer-265	44	1	section	section	NOUN
ajeer-265	44	2	five	five	NUM
ajeer-265	44	3	concludes	conclude	VERB
ajeer-265	44	4	the	the	DET
ajeer-265	44	5	paper	paper	NOUN
ajeer-265	44	6	with	with	ADP
ajeer-265	44	7	policy	policy	NOUN
ajeer-265	44	8	recommendations	recommendation	NOUN
ajeer-265	44	9	.	.	PUNCT
ajeer-265	45	1	2	2	X
ajeer-265	45	2	.	.	X
ajeer-265	45	3	literature	literature	NOUN
ajeer-265	45	4	reviews	review	VERB
ajeer-265	45	5	health	health	NOUN
ajeer-265	45	6	shock	shock	NOUN
ajeer-265	45	7	concern	concern	NOUN
ajeer-265	45	8	unpredictable	unpredictable	ADJ
ajeer-265	45	9	illnesses	illness	NOUN
ajeer-265	45	10	that	that	PRON
ajeer-265	45	11	quickly	quickly	ADV
ajeer-265	45	12	diminish	diminish	VERB
ajeer-265	45	13	health	health	NOUN
ajeer-265	45	14	status	status	NOUN
ajeer-265	45	15	of	of	ADP
ajeer-265	45	16	individuals	individual	NOUN
ajeer-265	45	17	with	with	ADP
ajeer-265	45	18	great	great	ADJ
ajeer-265	45	19	impact	impact	NOUN
ajeer-265	45	20	on	on	ADP
ajeer-265	45	21	the	the	DET
ajeer-265	45	22	economic	economic	ADJ
ajeer-265	45	23	well	well	NOUN
ajeer-265	45	24	-	-	PUNCT
ajeer-265	45	25	being	being	NOUN
ajeer-265	45	26	of	of	ADP
ajeer-265	45	27	individuals	individual	NOUN
ajeer-265	45	28	(	(	PUNCT
ajeer-265	45	29	leivea	leivea	NOUN
ajeer-265	45	30	and	and	CCONJ
ajeer-265	45	31	xub	xub	NOUN
ajeer-265	45	32	,	,	PUNCT
ajeer-265	45	33	2008	2008	NUM
ajeer-265	45	34	)	)	PUNCT
ajeer-265	45	35	.	.	PUNCT
ajeer-265	46	1	it	it	PRON
ajeer-265	46	2	implies	imply	VERB
ajeer-265	46	3	that	that	SCONJ
ajeer-265	46	4	health	health	NOUN
ajeer-265	46	5	shock	shock	NOUN
ajeer-265	46	6	is	be	AUX
ajeer-265	46	7	a	a	DET
ajeer-265	46	8	sudden	sudden	ADJ
ajeer-265	46	9	event	event	NOUN
ajeer-265	46	10	that	that	PRON
ajeer-265	46	11	requires	require	VERB
ajeer-265	46	12	attention	attention	NOUN
ajeer-265	46	13	.	.	PUNCT
ajeer-265	47	1	in	in	ADP
ajeer-265	47	2	developing	develop	VERB
ajeer-265	47	3	countries	country	NOUN
ajeer-265	47	4	,	,	PUNCT
ajeer-265	47	5	health	health	NOUN
ajeer-265	47	6	shocks	shock	NOUN
ajeer-265	47	7	and	and	CCONJ
ajeer-265	47	8	illnesses	illness	NOUN
ajeer-265	47	9	from	from	ADP
ajeer-265	47	10	non	non	ADJ
ajeer-265	47	11	-	-	ADJ
ajeer-265	47	12	communicable	communicable	ADJ
ajeer-265	47	13	diseases	disease	NOUN
ajeer-265	47	14	(	(	PUNCT
ajeer-265	47	15	such	such	ADJ
ajeer-265	47	16	as	as	ADP
ajeer-265	47	17	,	,	PUNCT
ajeer-265	47	18	strokes	stroke	NOUN
ajeer-265	47	19	,	,	PUNCT
ajeer-265	47	20	heart	heart	NOUN
ajeer-265	47	21	disease	disease	NOUN
ajeer-265	47	22	,	,	PUNCT
ajeer-265	47	23	cancers	cancer	NOUN
ajeer-265	47	24	,	,	PUNCT
ajeer-265	47	25	diabetes	diabetes	NOUN
ajeer-265	47	26	,	,	PUNCT
ajeer-265	47	27	chronic	chronic	ADJ
ajeer-265	47	28	lung	lung	NOUN
ajeer-265	47	29	and	and	CCONJ
ajeer-265	47	30	respiratory	respiratory	ADJ
ajeer-265	47	31	diseases	disease	NOUN
ajeer-265	47	32	)	)	PUNCT
ajeer-265	47	33	are	be	AUX
ajeer-265	47	34	on	on	ADP
ajeer-265	47	35	the	the	DET
ajeer-265	47	36	increase	increase	NOUN
ajeer-265	47	37	over	over	ADP
ajeer-265	47	38	the	the	DET
ajeer-265	47	39	recent	recent	ADJ
ajeer-265	47	40	years	year	NOUN
ajeer-265	47	41	(	(	PUNCT
ajeer-265	47	42	who	who	PRON
ajeer-265	47	43	,	,	PUNCT
ajeer-265	47	44	2018	2018	NUM
ajeer-265	47	45	)	)	PUNCT
ajeer-265	47	46	.	.	PUNCT
ajeer-265	48	1	figure	figure	VERB
ajeer-265	48	2	1	1	NUM
ajeer-265	48	3	depicts	depict	VERB
ajeer-265	48	4	annual	annual	ADJ
ajeer-265	48	5	global	global	ADJ
ajeer-265	48	6	deaths	death	NOUN
ajeer-265	48	7	from	from	ADP
ajeer-265	48	8	various	various	ADJ
ajeer-265	48	9	ill	ill	ADJ
ajeer-265	48	10	-	-	PUNCT
ajeer-265	48	11	health	health	NOUN
ajeer-265	48	12	,	,	PUNCT
ajeer-265	48	13	where	where	SCONJ
ajeer-265	48	14	health	health	NOUN
ajeer-265	48	15	shocks	shock	VERB
ajeer-265	48	16	that	that	PRON
ajeer-265	48	17	leads	lead	VERB
ajeer-265	48	18	to	to	ADP
ajeer-265	48	19	sudden	sudden	ADJ
ajeer-265	48	20	illness	illness	NOUN
ajeer-265	48	21	from	from	ADP
ajeer-265	48	22	non	non	ADJ
ajeer-265	48	23	-	-	ADJ
ajeer-265	48	24	communicable	communicable	ADJ
ajeer-265	48	25	diseases	disease	NOUN
ajeer-265	48	26	(	(	PUNCT
ajeer-265	48	27	ncd	ncd	PROPN
ajeer-265	48	28	)	)	PUNCT
ajeer-265	48	29	alone	alone	ADV
ajeer-265	48	30	responsible	responsible	ADJ
ajeer-265	48	31	for	for	ADP
ajeer-265	48	32	over	over	ADP
ajeer-265	48	33	36	36	NUM
ajeer-265	48	34	million	million	NUM
ajeer-265	48	35	deaths	death	NOUN
ajeer-265	48	36	per	per	ADP
ajeer-265	48	37	annual	annual	ADJ
ajeer-265	48	38	globally	globally	ADV
ajeer-265	48	39	.	.	PUNCT
ajeer-265	49	1	nearly	nearly	ADV
ajeer-265	49	2	half	half	NOUN
ajeer-265	49	3	(	(	PUNCT
ajeer-265	49	4	17.7	17.7	NUM
ajeer-265	49	5	million	million	NUM
ajeer-265	49	6	)	)	PUNCT
ajeer-265	49	7	of	of	ADP
ajeer-265	49	8	these	these	DET
ajeer-265	49	9	yearly	yearly	ADJ
ajeer-265	49	10	deaths	death	NOUN
ajeer-265	49	11	are	be	AUX
ajeer-265	49	12	from	from	ADP
ajeer-265	49	13	cardiovascular	cardiovascular	ADJ
ajeer-265	49	14	diseases	disease	NOUN
ajeer-265	49	15	(	(	PUNCT
ajeer-265	49	16	stroke	stroke	NOUN
ajeer-265	49	17	and	and	CCONJ
ajeer-265	49	18	heart	heart	NOUN
ajeer-265	49	19	diseases	disease	NOUN
ajeer-265	49	20	)	)	PUNCT
ajeer-265	49	21	only	only	ADV
ajeer-265	49	22	.	.	PUNCT
ajeer-265	50	1	worse	bad	ADJ
ajeer-265	50	2	still	still	ADV
ajeer-265	50	3	,	,	PUNCT
ajeer-265	50	4	9	9	NUM
ajeer-265	50	5	million	million	NUM
ajeer-265	50	6	people	people	NOUN
ajeer-265	50	7	die	die	VERB
ajeer-265	50	8	prematurely	prematurely	ADV
ajeer-265	50	9	every	every	DET
ajeer-265	50	10	year	year	NOUN
ajeer-265	50	11	before	before	ADP
ajeer-265	50	12	the	the	DET
ajeer-265	50	13	age	age	NOUN
ajeer-265	50	14	of	of	ADP
ajeer-265	50	15	60	60	NUM
ajeer-265	50	16	from	from	ADP
ajeer-265	50	17	brief	brief	ADJ
ajeer-265	50	18	illness	illness	NOUN
ajeer-265	50	19	that	that	PRON
ajeer-265	50	20	associated	associate	VERB
ajeer-265	50	21	with	with	ADP
ajeer-265	50	22	these	these	DET
ajeer-265	50	23	diseases	disease	NOUN
ajeer-265	50	24	.	.	PUNCT
ajeer-265	51	1	while	while	SCONJ
ajeer-265	51	2	8	8	NUM
ajeer-265	51	3	million	million	NUM
ajeer-265	51	4	of	of	ADP
ajeer-265	51	5	deaths	death	NOUN
ajeer-265	51	6	occurred	occur	VERB
ajeer-265	51	7	in	in	ADP
ajeer-265	51	8	lowand	lowand	ADJ
ajeer-265	51	9	middle	middle	ADJ
ajeer-265	51	10	-	-	PUNCT
ajeer-265	51	11	income	income	NOUN
ajeer-265	51	12	countries	country	NOUN
ajeer-265	51	13	most	most	ADV
ajeer-265	51	14	especially	especially	ADV
ajeer-265	51	15	the	the	DET
ajeer-265	51	16	africa	africa	PROPN
ajeer-265	51	17	countries	country	NOUN
ajeer-265	51	18	(	(	PUNCT
ajeer-265	51	19	who	who	PRON
ajeer-265	51	20	,	,	PUNCT
ajeer-265	51	21	2018	2018	NUM
ajeer-265	51	22	)	)	PUNCT
ajeer-265	51	23	.	.	PUNCT
ajeer-265	52	1	figure-1	figure-1	PROPN
ajeer-265	52	2	.	.	PUNCT
ajeer-265	53	1	annual	annual	ADJ
ajeer-265	53	2	global	global	ADJ
ajeer-265	53	3	deaths	death	NOUN
ajeer-265	53	4	from	from	ADP
ajeer-265	53	5	various	various	ADJ
ajeer-265	53	6	ill	ill	ADJ
ajeer-265	53	7	-	-	PUNCT
ajeer-265	53	8	health	health	NOUN
ajeer-265	53	9	causes	cause	NOUN
ajeer-265	53	10	.	.	PUNCT
ajeer-265	54	1	source	source	NOUN
ajeer-265	54	2	:	:	PUNCT
ajeer-265	54	3	who	who	PRON
ajeer-265	54	4	(	(	PUNCT
ajeer-265	54	5	2018	2018	NUM
ajeer-265	54	6	)	)	PUNCT
ajeer-265	54	7	.	.	PUNCT
ajeer-265	55	1	asian	asian	ADJ
ajeer-265	55	2	journal	journal	PROPN
ajeer-265	55	3	of	of	ADP
ajeer-265	55	4	economics	economic	NOUN
ajeer-265	55	5	and	and	CCONJ
ajeer-265	55	6	empirical	empirical	ADJ
ajeer-265	55	7	research	research	NOUN
ajeer-265	55	8	,	,	PUNCT
ajeer-265	55	9	2019	2019	NUM
ajeer-265	55	10	,	,	PUNCT
ajeer-265	55	11	6(1	6(1	NUM
ajeer-265	55	12	):	):	PUNCT
ajeer-265	55	13	45	45	NUM
ajeer-265	55	14	-	-	SYM
ajeer-265	55	15	51	51	NUM
ajeer-265	55	16	47	47	NUM
ajeer-265	56	1	©	©	PROPN
ajeer-265	56	2	2019	2019	NUM
ajeer-265	56	3	by	by	ADP
ajeer-265	56	4	the	the	DET
ajeer-265	56	5	authors	author	NOUN
ajeer-265	56	6	;	;	PUNCT
ajeer-265	56	7	licensee	licensee	PROPN
ajeer-265	56	8	asian	asian	ADJ
ajeer-265	56	9	online	online	PROPN
ajeer-265	56	10	journal	journal	PROPN
ajeer-265	56	11	publishing	publishing	PROPN
ajeer-265	56	12	group	group	PROPN
ajeer-265	56	13	africa	africa	PROPN
ajeer-265	56	14	region	region	PROPN
ajeer-265	56	15	also	also	ADV
ajeer-265	56	16	has	have	VERB
ajeer-265	56	17	the	the	DET
ajeer-265	56	18	highest	high	ADJ
ajeer-265	56	19	prevalence	prevalence	NOUN
ajeer-265	56	20	of	of	ADP
ajeer-265	56	21	hypertension	hypertension	NOUN
ajeer-265	56	22	which	which	PRON
ajeer-265	56	23	affects	affect	VERB
ajeer-265	56	24	46	46	NUM
ajeer-265	56	25	%	%	NOUN
ajeer-265	56	26	of	of	ADP
ajeer-265	56	27	adults	adult	NOUN
ajeer-265	56	28	aged	age	VERB
ajeer-265	56	29	over	over	ADP
ajeer-265	56	30	25	25	NUM
ajeer-265	56	31	years	year	NOUN
ajeer-265	56	32	(	(	PUNCT
ajeer-265	56	33	who	who	PRON
ajeer-265	56	34	,	,	PUNCT
ajeer-265	56	35	2017b	2017b	NUM
ajeer-265	56	36	)	)	PUNCT
ajeer-265	56	37	.	.	PUNCT
ajeer-265	57	1	further	far	ADV
ajeer-265	57	2	,	,	PUNCT
ajeer-265	57	3	heart	heart	NOUN
ajeer-265	57	4	disease	disease	NOUN
ajeer-265	57	5	and	and	CCONJ
ajeer-265	57	6	strokes	stroke	NOUN
ajeer-265	57	7	are	be	AUX
ajeer-265	57	8	the	the	DET
ajeer-265	57	9	2nd	2nd	ADJ
ajeer-265	57	10	leading	lead	VERB
ajeer-265	57	11	causes	cause	NOUN
ajeer-265	57	12	of	of	ADP
ajeer-265	57	13	chronic	chronic	ADJ
ajeer-265	57	14	illnesses	illness	NOUN
ajeer-265	57	15	in	in	ADP
ajeer-265	57	16	africa	africa	PROPN
ajeer-265	57	17	after	after	ADP
ajeer-265	57	18	malaria	malaria	NOUN
ajeer-265	57	19	(	(	PUNCT
ajeer-265	57	20	who	who	PRON
ajeer-265	57	21	,	,	PUNCT
ajeer-265	57	22	2017a	2017a	NUM
ajeer-265	57	23	)	)	PUNCT
ajeer-265	57	24	.	.	PUNCT
ajeer-265	58	1	this	this	PRON
ajeer-265	58	2	is	be	AUX
ajeer-265	58	3	because	because	SCONJ
ajeer-265	58	4	most	most	ADJ
ajeer-265	58	5	africans	africans	PROPN
ajeer-265	58	6	still	still	ADV
ajeer-265	58	7	depend	depend	VERB
ajeer-265	58	8	largely	largely	ADV
ajeer-265	58	9	on	on	ADP
ajeer-265	58	10	out	out	ADP
ajeer-265	58	11	-	-	PUNCT
ajeer-265	58	12	of	of	ADP
ajeer-265	58	13	-	-	PUNCT
ajeer-265	58	14	pocket	pocket	NOUN
ajeer-265	58	15	payments	payment	NOUN
ajeer-265	58	16	for	for	ADP
ajeer-265	58	17	medicalcare	medicalcare	NOUN
ajeer-265	58	18	.	.	PUNCT
ajeer-265	59	1	consequently	consequently	ADV
ajeer-265	59	2	,	,	PUNCT
ajeer-265	59	3	the	the	DET
ajeer-265	59	4	unpredictable	unpredictable	ADJ
ajeer-265	59	5	‘	'	PUNCT
ajeer-265	59	6	health	health	NOUN
ajeer-265	59	7	shock	shock	NOUN
ajeer-265	59	8	’	'	PUNCT
ajeer-265	59	9	diminish	diminish	VERB
ajeer-265	59	10	longevity	longevity	NOUN
ajeer-265	59	11	or	or	CCONJ
ajeer-265	59	12	the	the	DET
ajeer-265	59	13	average	average	ADJ
ajeer-265	59	14	life	life	NOUN
ajeer-265	59	15	expectancy	expectancy	NOUN
ajeer-265	59	16	(	(	PUNCT
ajeer-265	59	17	at	at	ADP
ajeer-265	59	18	birth	birth	NOUN
ajeer-265	59	19	)	)	PUNCT
ajeer-265	59	20	of	of	ADP
ajeer-265	59	21	individuals	individual	NOUN
ajeer-265	59	22	,	,	PUNCT
ajeer-265	59	23	where	where	SCONJ
ajeer-265	59	24	table	table	NOUN
ajeer-265	59	25	1	1	NUM
ajeer-265	59	26	shows	show	VERB
ajeer-265	59	27	the	the	DET
ajeer-265	59	28	comparative	comparative	ADJ
ajeer-265	59	29	life	life	NOUN
ajeer-265	59	30	expectancy	expectancy	NOUN
ajeer-265	59	31	across	across	ADP
ajeer-265	59	32	the	the	DET
ajeer-265	59	33	regions	region	NOUN
ajeer-265	59	34	of	of	ADP
ajeer-265	59	35	the	the	DET
ajeer-265	59	36	world	world	NOUN
ajeer-265	59	37	.	.	PUNCT
ajeer-265	60	1	the	the	DET
ajeer-265	60	2	statistics	statistic	NOUN
ajeer-265	60	3	shows	show	VERB
ajeer-265	60	4	that	that	SCONJ
ajeer-265	60	5	africa	africa	PROPN
ajeer-265	60	6	continent	continent	PROPN
ajeer-265	60	7	performs	perform	VERB
ajeer-265	60	8	relatively	relatively	ADV
ajeer-265	60	9	poorly	poorly	ADV
ajeer-265	60	10	against	against	ADP
ajeer-265	60	11	all	all	DET
ajeer-265	60	12	others	other	NOUN
ajeer-265	60	13	.	.	PUNCT
ajeer-265	61	1	though	though	SCONJ
ajeer-265	61	2	the	the	DET
ajeer-265	61	3	average	average	ADJ
ajeer-265	61	4	longevity	longevity	NOUN
ajeer-265	61	5	in	in	ADP
ajeer-265	61	6	africa	africa	PROPN
ajeer-265	61	7	increased	increase	VERB
ajeer-265	61	8	slightly	slightly	ADV
ajeer-265	61	9	from	from	ADP
ajeer-265	61	10	about	about	ADV
ajeer-265	61	11	60	60	NUM
ajeer-265	61	12	years	year	NOUN
ajeer-265	61	13	in	in	ADP
ajeer-265	61	14	2000	2000	NUM
ajeer-265	61	15	to	to	ADP
ajeer-265	61	16	about	about	ADV
ajeer-265	61	17	66	66	NUM
ajeer-265	61	18	years	year	NOUN
ajeer-265	61	19	in	in	ADP
ajeer-265	61	20	2015	2015	NUM
ajeer-265	61	21	,	,	PUNCT
ajeer-265	61	22	compare	compare	VERB
ajeer-265	61	23	to	to	ADP
ajeer-265	61	24	the	the	DET
ajeer-265	61	25	global	global	ADJ
ajeer-265	61	26	average	average	NOUN
ajeer-265	61	27	of	of	ADP
ajeer-265	61	28	67.6	67.6	NUM
ajeer-265	61	29	and	and	CCONJ
ajeer-265	61	30	71.7	71.7	NUM
ajeer-265	61	31	years	year	NOUN
ajeer-265	61	32	in	in	ADP
ajeer-265	61	33	2000	2000	NUM
ajeer-265	61	34	and	and	CCONJ
ajeer-265	61	35	2015	2015	NUM
ajeer-265	61	36	respectively	respectively	ADV
ajeer-265	61	37	.	.	PUNCT
ajeer-265	62	1	table-1	table-1	NUM
ajeer-265	62	2	.	.	PUNCT
ajeer-265	63	1	world	world	NOUN
ajeer-265	63	2	average	average	ADJ
ajeer-265	63	3	life	life	NOUN
ajeer-265	63	4	expectancy	expectancy	NOUN
ajeer-265	63	5	at	at	ADP
ajeer-265	63	6	birth	birth	NOUN
ajeer-265	63	7	(	(	PUNCT
ajeer-265	63	8	total	total	NOUN
ajeer-265	63	9	)	)	PUNCT
ajeer-265	63	10	.	.	PUNCT
ajeer-265	64	1	year	year	NOUN
ajeer-265	64	2	global	global	PROPN
ajeer-265	64	3	average	average	ADJ
ajeer-265	64	4	ssa	ssa	PROPN
ajeer-265	64	5	middle	middle	PROPN
ajeer-265	64	6	east	east	PROPN
ajeer-265	64	7	&	&	CCONJ
ajeer-265	64	8	north	north	PROPN
ajeer-265	64	9	africa	africa	PROPN
ajeer-265	64	10	africa	africa	PROPN
ajeer-265	64	11	average	average	PROPN
ajeer-265	64	12	*	*	PUNCT
ajeer-265	64	13	oecd	oecd	PROPN
ajeer-265	64	14	members	members	PROPN
ajeer-265	64	15	east	east	PROPN
ajeer-265	64	16	asia	asia	PROPN
ajeer-265	64	17	&	&	CCONJ
ajeer-265	64	18	pacific	pacific	PROPN
ajeer-265	64	19	north	north	PROPN
ajeer-265	64	20	america	america	PROPN
ajeer-265	64	21	2000	2000	NUM
ajeer-265	64	22	67.6	67.6	NUM
ajeer-265	65	1	50.3	50.3	NUM
ajeer-265	65	2	69.8	69.8	NUM
ajeer-265	65	3	60.1	60.1	NUM
ajeer-265	65	4	77.1	77.1	NUM
ajeer-265	65	5	71.4	71.4	NUM
ajeer-265	65	6	76.9	76.9	NUM
ajeer-265	65	7	2005	2005	NUM
ajeer-265	65	8	69.0	69.0	NUM
ajeer-265	65	9	52.7	52.7	NUM
ajeer-265	65	10	71.0	71.0	NUM
ajeer-265	65	11	61.9	61.9	NUM
ajeer-265	65	12	78.2	78.2	NUM
ajeer-265	65	13	73.1	73.1	NUM
ajeer-265	65	14	77.8	77.8	NUM
ajeer-265	65	15	2010	2010	NUM
ajeer-265	65	16	70.5	70.5	NUM
ajeer-265	65	17	56.3	56.3	NUM
ajeer-265	65	18	72.1	72.1	NUM
ajeer-265	65	19	64.2	64.2	NUM
ajeer-265	65	20	79.5	79.5	NUM
ajeer-265	65	21	74.2	74.2	NUM
ajeer-265	65	22	78.8	78.8	NUM
ajeer-265	65	23	2015	2015	NUM
ajeer-265	65	24	71.7	71.7	NUM
ajeer-265	65	25	58.9	58.9	NUM
ajeer-265	65	26	73.1	73.1	NUM
ajeer-265	65	27	66.0	66.0	NUM
ajeer-265	65	28	80.3	80.3	NUM
ajeer-265	65	29	75.1	75.1	NUM
ajeer-265	65	30	79.1	79.1	NUM
ajeer-265	65	31	source	source	NOUN
ajeer-265	65	32	:	:	PUNCT
ajeer-265	65	33	compiled	compile	VERB
ajeer-265	65	34	from	from	ADP
ajeer-265	65	35	world	world	PROPN
ajeer-265	65	36	bank	bank	PROPN
ajeer-265	65	37	development	development	PROPN
ajeer-265	65	38	indicator	indicator	NOUN
ajeer-265	65	39	,	,	PUNCT
ajeer-265	65	40	2018	2018	NUM
ajeer-265	65	41	*	*	PUNCT
ajeer-265	65	42	computed	compute	VERB
ajeer-265	65	43	from	from	ADP
ajeer-265	65	44	column	column	NOUN
ajeer-265	65	45	3	3	NUM
ajeer-265	65	46	and	and	CCONJ
ajeer-265	65	47	4	4	NUM
ajeer-265	65	48	.	.	NOUN
ajeer-265	65	49	table	table	NOUN
ajeer-265	65	50	2	2	NUM
ajeer-265	65	51	further	far	ADV
ajeer-265	65	52	indicates	indicate	VERB
ajeer-265	65	53	that	that	SCONJ
ajeer-265	65	54	most	most	ADJ
ajeer-265	65	55	nations	nation	NOUN
ajeer-265	65	56	in	in	ADP
ajeer-265	65	57	africa	africa	PROPN
ajeer-265	65	58	had	have	VERB
ajeer-265	65	59	low	low	ADJ
ajeer-265	65	60	life	life	NOUN
ajeer-265	65	61	expectancy	expectancy	NOUN
ajeer-265	65	62	(	(	PUNCT
ajeer-265	65	63	le	le	X
ajeer-265	65	64	)	)	PUNCT
ajeer-265	65	65	.	.	PUNCT
ajeer-265	66	1	for	for	ADP
ajeer-265	66	2	instance	instance	NOUN
ajeer-265	66	3	,	,	PUNCT
ajeer-265	66	4	the	the	DET
ajeer-265	66	5	le	le	X
ajeer-265	66	6	in	in	ADP
ajeer-265	66	7	nigeria	nigeria	PROPN
ajeer-265	66	8	increased	increase	VERB
ajeer-265	66	9	marginally	marginally	ADV
ajeer-265	66	10	from	from	ADP
ajeer-265	66	11	46	46	NUM
ajeer-265	66	12	years	year	NOUN
ajeer-265	66	13	in	in	ADP
ajeer-265	66	14	1995	1995	NUM
ajeer-265	66	15	to	to	ADP
ajeer-265	66	16	about	about	ADV
ajeer-265	66	17	53	53	NUM
ajeer-265	66	18	years	year	NOUN
ajeer-265	66	19	in	in	ADP
ajeer-265	66	20	2015	2015	NUM
ajeer-265	66	21	,	,	PUNCT
ajeer-265	66	22	while	while	SCONJ
ajeer-265	66	23	rwanda	rwanda	PROPN
ajeer-265	66	24	’s	’s	PART
ajeer-265	66	25	le	le	X
ajeer-265	66	26	rose	rise	VERB
ajeer-265	66	27	from	from	ADP
ajeer-265	66	28	31	31	NUM
ajeer-265	66	29	years	year	NOUN
ajeer-265	66	30	to	to	ADP
ajeer-265	66	31	65	65	NUM
ajeer-265	66	32	years	year	NOUN
ajeer-265	66	33	during	during	ADP
ajeer-265	66	34	the	the	DET
ajeer-265	66	35	same	same	ADJ
ajeer-265	66	36	period	period	NOUN
ajeer-265	66	37	(	(	PUNCT
ajeer-265	66	38	world	world	PROPN
ajeer-265	66	39	bank	bank	NOUN
ajeer-265	66	40	,	,	PUNCT
ajeer-265	66	41	2018	2018	NUM
ajeer-265	66	42	)	)	PUNCT
ajeer-265	66	43	.	.	PUNCT
ajeer-265	67	1	for	for	ADP
ajeer-265	67	2	ghana	ghana	PROPN
ajeer-265	67	3	,	,	PUNCT
ajeer-265	67	4	her	her	PRON
ajeer-265	67	5	life	life	NOUN
ajeer-265	67	6	expectancy	expectancy	NOUN
ajeer-265	67	7	rises	rise	VERB
ajeer-265	67	8	steady	steady	ADV
ajeer-265	67	9	from	from	ADP
ajeer-265	67	10	1975	1975	NUM
ajeer-265	67	11	to	to	ADP
ajeer-265	67	12	2015	2015	NUM
ajeer-265	67	13	;	;	PUNCT
ajeer-265	67	14	where	where	SCONJ
ajeer-265	67	15	it	it	PRON
ajeer-265	67	16	rose	rise	VERB
ajeer-265	67	17	from	from	ADP
ajeer-265	67	18	50.8	50.8	NUM
ajeer-265	67	19	years	year	NOUN
ajeer-265	67	20	in	in	ADP
ajeer-265	67	21	1975	1975	NUM
ajeer-265	67	22	to	to	ADP
ajeer-265	67	23	56	56	NUM
ajeer-265	67	24	years	year	NOUN
ajeer-265	67	25	in	in	ADP
ajeer-265	67	26	1990	1990	NUM
ajeer-265	67	27	,	,	PUNCT
ajeer-265	67	28	and	and	CCONJ
ajeer-265	67	29	61.4	61.4	NUM
ajeer-265	67	30	years	year	NOUN
ajeer-265	67	31	in	in	ADP
ajeer-265	67	32	2015	2015	NUM
ajeer-265	67	33	.	.	PUNCT
ajeer-265	68	1	comparatively	comparatively	ADV
ajeer-265	68	2	,	,	PUNCT
ajeer-265	68	3	the	the	DET
ajeer-265	68	4	leb	leb	PROPN
ajeer-265	68	5	in	in	ADP
ajeer-265	68	6	nigeria	nigeria	PROPN
ajeer-265	68	7	is	be	AUX
ajeer-265	68	8	lower	low	ADJ
ajeer-265	68	9	compared	compare	VERB
ajeer-265	68	10	with	with	ADP
ajeer-265	68	11	rwanda	rwanda	PROPN
ajeer-265	68	12	,	,	PUNCT
ajeer-265	68	13	ghana	ghana	PROPN
ajeer-265	68	14	and	and	CCONJ
ajeer-265	68	15	south	south	PROPN
ajeer-265	68	16	africa	africa	PROPN
ajeer-265	68	17	probably	probably	ADV
ajeer-265	68	18	as	as	ADP
ajeer-265	68	19	a	a	DET
ajeer-265	68	20	result	result	NOUN
ajeer-265	68	21	of	of	ADP
ajeer-265	68	22	ill	ill	ADJ
ajeer-265	68	23	-	-	PUNCT
ajeer-265	68	24	health	health	NOUN
ajeer-265	68	25	issues	issue	NOUN
ajeer-265	68	26	in	in	ADP
ajeer-265	68	27	the	the	DET
ajeer-265	68	28	nation	nation	NOUN
ajeer-265	68	29	.	.	PUNCT
ajeer-265	69	1	although	although	SCONJ
ajeer-265	69	2	the	the	DET
ajeer-265	69	3	average	average	ADJ
ajeer-265	69	4	life	life	NOUN
ajeer-265	69	5	expectancy	expectancy	NOUN
ajeer-265	69	6	in	in	ADP
ajeer-265	69	7	recent	recent	ADJ
ajeer-265	69	8	years	year	NOUN
ajeer-265	69	9	is	be	AUX
ajeer-265	69	10	merely	merely	ADV
ajeer-265	69	11	higher	high	ADJ
ajeer-265	69	12	than	than	ADP
ajeer-265	69	13	the	the	DET
ajeer-265	69	14	cote	cote	PROPN
ajeer-265	69	15	d’ivoire	d’ivoire	NOUN
ajeer-265	69	16	.	.	PUNCT
ajeer-265	70	1	table-2	table-2	NUM
ajeer-265	70	2	.	.	PUNCT
ajeer-265	70	3	comparative	comparative	ADJ
ajeer-265	70	4	average	average	ADJ
ajeer-265	70	5	life	life	NOUN
ajeer-265	70	6	expectancy	expectancy	NOUN
ajeer-265	70	7	at	at	ADP
ajeer-265	70	8	birth	birth	NOUN
ajeer-265	70	9	(	(	PUNCT
ajeer-265	70	10	total	total	NOUN
ajeer-265	70	11	)	)	PUNCT
ajeer-265	70	12	in	in	ADP
ajeer-265	70	13	africa	africa	PROPN
ajeer-265	70	14	.	.	PUNCT
ajeer-265	71	1	country	country	NOUN
ajeer-265	71	2	1975	1975	NUM
ajeer-265	71	3	1980	1980	NUM
ajeer-265	71	4	1985	1985	NUM
ajeer-265	71	5	1990	1990	NUM
ajeer-265	71	6	1995	1995	NUM
ajeer-265	71	7	2000	2000	NUM
ajeer-265	71	8	2005	2005	NUM
ajeer-265	71	9	2010	2010	NUM
ajeer-265	71	10	2015	2015	NUM
ajeer-265	71	11	2016	2016	NUM
ajeer-265	71	12	cote	cote	X
ajeer-265	71	13	d’ivoire	d’ivoire	NOUN
ajeer-265	71	14	47.7	47.7	NUM
ajeer-265	71	15	50.7	50.7	NUM
ajeer-265	71	16	52.6	52.6	NUM
ajeer-265	71	17	52.6	52.6	NUM
ajeer-265	71	18	49.5	49.5	NUM
ajeer-265	71	19	46.7	46.7	NUM
ajeer-265	71	20	47.7	47.7	NUM
ajeer-265	71	21	50.1	50.1	NUM
ajeer-265	71	22	51.9	51.9	NUM
ajeer-265	71	23	53.6	53.6	NUM
ajeer-265	71	24	ghana	ghana	PROPN
ajeer-265	71	25	50.8	50.8	NUM
ajeer-265	71	26	52.3	52.3	NUM
ajeer-265	71	27	54.1	54.1	NUM
ajeer-265	71	28	56.7	56.7	NUM
ajeer-265	71	29	57.5	57.5	NUM
ajeer-265	71	30	56.9	56.9	NUM
ajeer-265	71	31	58.7	58.7	NUM
ajeer-265	71	32	60.6	60.6	NUM
ajeer-265	71	33	61.4	61.4	NUM
ajeer-265	71	34	63.7	63.7	NUM
ajeer-265	71	35	south	south	ADJ
ajeer-265	71	36	africa	africa	PROPN
ajeer-265	71	37	54.2	54.2	NUM
ajeer-265	71	38	56.9	56.9	NUM
ajeer-265	71	39	59.9	59.9	NUM
ajeer-265	71	40	62.1	62.1	NUM
ajeer-265	71	41	61.4	61.4	NUM
ajeer-265	71	42	55.8	55.8	NUM
ajeer-265	71	43	51.5	51.5	NUM
ajeer-265	71	44	54.4	54.4	NUM
ajeer-265	71	45	57.4	57.4	NUM
ajeer-265	71	46	62.8	62.8	NUM
ajeer-265	71	47	rwanda	rwanda	NOUN
ajeer-265	71	48	44.9	44.9	NUM
ajeer-265	71	49	47.9	47.9	NUM
ajeer-265	72	1	50.4	50.4	NUM
ajeer-265	72	2	33.4	33.4	NUM
ajeer-265	72	3	31.6	31.6	NUM
ajeer-265	72	4	48.1	48.1	NUM
ajeer-265	72	5	54.7	54.7	NUM
ajeer-265	72	6	61.4	61.4	NUM
ajeer-265	72	7	64.5	64.5	NUM
ajeer-265	72	8	67.1	67.1	NUM
ajeer-265	72	9	cote	cote	NOUN
ajeer-265	72	10	d’ivoire	d’ivoire	NOUN
ajeer-265	72	11	43.4	43.4	NUM
ajeer-265	72	12	45.5	45.5	NUM
ajeer-265	72	13	46.3	46.3	NUM
ajeer-265	72	14	46.1	46.1	NUM
ajeer-265	72	15	46.1	46.1	NUM
ajeer-265	72	16	46.6	46.6	NUM
ajeer-265	72	17	48.6	48.6	NUM
ajeer-265	72	18	51.3	51.3	NUM
ajeer-265	72	19	53.0	53.0	NUM
ajeer-265	72	20	53.4	53.4	NUM
ajeer-265	72	21	source	source	NOUN
ajeer-265	72	22	:	:	PUNCT
ajeer-265	72	23	compiled	compile	VERB
ajeer-265	72	24	from	from	ADP
ajeer-265	72	25	world	world	PROPN
ajeer-265	72	26	bank	bank	PROPN
ajeer-265	72	27	development	development	PROPN
ajeer-265	72	28	indicator	indicator	NOUN
ajeer-265	72	29	,	,	PUNCT
ajeer-265	72	30	2018	2018	NUM
ajeer-265	72	31	.	.	PUNCT
ajeer-265	73	1	these	these	DET
ajeer-265	73	2	statistics	statistic	NOUN
ajeer-265	73	3	shows	show	VERB
ajeer-265	73	4	that	that	SCONJ
ajeer-265	73	5	several	several	ADJ
ajeer-265	73	6	african	african	ADJ
ajeer-265	73	7	nations	nation	NOUN
ajeer-265	73	8	recorded	record	VERB
ajeer-265	73	9	low	low	ADV
ajeer-265	73	10	le	le	X
ajeer-265	73	11	in	in	ADP
ajeer-265	73	12	the	the	DET
ajeer-265	73	13	world	world	NOUN
ajeer-265	73	14	.	.	PUNCT
ajeer-265	74	1	meanwhile	meanwhile	ADV
ajeer-265	74	2	,	,	PUNCT
ajeer-265	74	3	a	a	DET
ajeer-265	74	4	dominant	dominant	ADJ
ajeer-265	74	5	strand	strand	NOUN
ajeer-265	74	6	of	of	ADP
ajeer-265	74	7	health	health	NOUN
ajeer-265	74	8	financing	financing	NOUN
ajeer-265	74	9	literature	literature	NOUN
ajeer-265	74	10	(	(	PUNCT
ajeer-265	74	11	see	see	VERB
ajeer-265	74	12	:	:	PUNCT
ajeer-265	74	13	(	(	PUNCT
ajeer-265	74	14	alam	alam	PROPN
ajeer-265	74	15	and	and	CCONJ
ajeer-265	74	16	mahal	mahal	PROPN
ajeer-265	74	17	,	,	PUNCT
ajeer-265	74	18	2014	2014	NUM
ajeer-265	74	19	;	;	PUNCT
ajeer-265	74	20	witter	witter	PROPN
ajeer-265	74	21	et	et	PROPN
ajeer-265	74	22	al	al	PROPN
ajeer-265	74	23	.	.	PROPN
ajeer-265	74	24	,	,	PUNCT
ajeer-265	74	25	2017	2017	NUM
ajeer-265	74	26	;	;	PUNCT
ajeer-265	74	27	dake	dake	NOUN
ajeer-265	74	28	,	,	PUNCT
ajeer-265	74	29	2018	2018	NUM
ajeer-265	74	30	;	;	PUNCT
ajeer-265	74	31	dorfleitner	dorfleitner	NOUN
ajeer-265	74	32	and	and	CCONJ
ajeer-265	74	33	rößle	rößle	NOUN
ajeer-265	74	34	,	,	PUNCT
ajeer-265	74	35	2018	2018	NUM
ajeer-265	74	36	)	)	PUNCT
ajeer-265	74	37	)	)	PUNCT
ajeer-265	74	38	.	.	PUNCT
ajeer-265	75	1	these	these	DET
ajeer-265	75	2	studies	study	NOUN
ajeer-265	75	3	have	have	AUX
ajeer-265	75	4	underscored	underscore	VERB
ajeer-265	75	5	the	the	DET
ajeer-265	75	6	key	key	ADJ
ajeer-265	75	7	role	role	NOUN
ajeer-265	75	8	of	of	ADP
ajeer-265	75	9	financial	financial	ADJ
ajeer-265	75	10	inclusion	inclusion	NOUN
ajeer-265	75	11	in	in	ADP
ajeer-265	75	12	the	the	DET
ajeer-265	75	13	process	process	NOUN
ajeer-265	75	14	of	of	ADP
ajeer-265	75	15	assuring	assure	VERB
ajeer-265	75	16	ease	ease	NOUN
ajeer-265	75	17	access	access	NOUN
ajeer-265	75	18	,	,	PUNCT
ajeer-265	75	19	availability	availability	NOUN
ajeer-265	75	20	and	and	CCONJ
ajeer-265	75	21	usage	usage	NOUN
ajeer-265	75	22	of	of	ADP
ajeer-265	75	23	the	the	DET
ajeer-265	75	24	formal	formal	ADJ
ajeer-265	75	25	financial	financial	ADJ
ajeer-265	75	26	system	system	NOUN
ajeer-265	75	27	by	by	ADP
ajeer-265	75	28	all	all	DET
ajeer-265	75	29	members	member	NOUN
ajeer-265	75	30	of	of	ADP
ajeer-265	75	31	economy	economy	NOUN
ajeer-265	75	32	especially	especially	ADV
ajeer-265	75	33	in	in	ADP
ajeer-265	75	34	periods	period	NOUN
ajeer-265	75	35	of	of	ADP
ajeer-265	75	36	health	health	NOUN
ajeer-265	75	37	shocks	shock	NOUN
ajeer-265	75	38	.	.	PUNCT
ajeer-265	76	1	furthermore	furthermore	ADV
ajeer-265	76	2	,	,	PUNCT
ajeer-265	76	3	considering	consider	VERB
ajeer-265	76	4	the	the	DET
ajeer-265	76	5	role	role	NOUN
ajeer-265	76	6	of	of	ADP
ajeer-265	76	7	savings	saving	NOUN
ajeer-265	76	8	and	and	CCONJ
ajeer-265	76	9	access	access	NOUN
ajeer-265	76	10	to	to	ADP
ajeer-265	76	11	credits	credit	NOUN
ajeer-265	76	12	towards	towards	ADP
ajeer-265	76	13	healthcare	healthcare	NOUN
ajeer-265	76	14	accessibility	accessibility	NOUN
ajeer-265	76	15	can	can	AUX
ajeer-265	76	16	not	not	PART
ajeer-265	76	17	be	be	AUX
ajeer-265	76	18	downplayed	downplay	VERB
ajeer-265	76	19	.	.	PUNCT
ajeer-265	77	1	as	as	SCONJ
ajeer-265	77	2	pointed	point	VERB
ajeer-265	77	3	out	out	ADP
ajeer-265	77	4	by	by	ADP
ajeer-265	77	5	grossman	grossman	PROPN
ajeer-265	77	6	(	(	PUNCT
ajeer-265	77	7	1972	1972	NUM
ajeer-265	77	8	)	)	PUNCT
ajeer-265	77	9	these	these	PRON
ajeer-265	77	10	can	can	AUX
ajeer-265	77	11	be	be	AUX
ajeer-265	77	12	viewed	view	VERB
ajeer-265	77	13	as	as	ADP
ajeer-265	77	14	ease	ease	NOUN
ajeer-265	77	15	of	of	ADP
ajeer-265	77	16	investments	investment	NOUN
ajeer-265	77	17	during	during	ADP
ajeer-265	77	18	sudden	sudden	ADJ
ajeer-265	77	19	illnesses	illness	NOUN
ajeer-265	77	20	that	that	PRON
ajeer-265	77	21	reduce	reduce	VERB
ajeer-265	77	22	longevity	longevity	NOUN
ajeer-265	77	23	and	and	CCONJ
ajeer-265	77	24	that	that	PRON
ajeer-265	77	25	quickly	quickly	ADV
ajeer-265	77	26	diminish	diminish	VERB
ajeer-265	77	27	health	health	NOUN
ajeer-265	77	28	status	status	NOUN
ajeer-265	77	29	of	of	ADP
ajeer-265	77	30	individuals	individual	NOUN
ajeer-265	77	31	.	.	PUNCT
ajeer-265	78	1	3	3	X
ajeer-265	78	2	.	.	X
ajeer-265	78	3	methodology	methodology	NOUN
ajeer-265	78	4	3.1	3.1	NUM
ajeer-265	78	5	.	.	PUNCT
ajeer-265	79	1	analytical	analytical	ADJ
ajeer-265	79	2	framework	framework	NOUN
ajeer-265	79	3	grossman	grossman	NOUN
ajeer-265	79	4	(	(	PUNCT
ajeer-265	79	5	1972	1972	NUM
ajeer-265	79	6	)	)	PUNCT
ajeer-265	79	7	suggest	suggest	VERB
ajeer-265	79	8	that	that	SCONJ
ajeer-265	79	9	longevity	longevity	NOUN
ajeer-265	79	10	and	and	CCONJ
ajeer-265	79	11	health	health	NOUN
ajeer-265	79	12	status	status	NOUN
ajeer-265	79	13	of	of	ADP
ajeer-265	79	14	individuals	individual	NOUN
ajeer-265	79	15	(	(	PUNCT
ajeer-265	79	16	)	)	PUNCT
ajeer-265	79	17	depreciate	depreciate	NOUN
ajeer-265	79	18	during	during	ADP
ajeer-265	79	19	their	their	PRON
ajeer-265	79	20	lifetime	lifetime	NOUN
ajeer-265	79	21	due	due	ADP
ajeer-265	79	22	to	to	ADP
ajeer-265	79	23	health	health	NOUN
ajeer-265	79	24	shocks	shock	NOUN
ajeer-265	79	25	,	,	PUNCT
ajeer-265	79	26	but	but	CCONJ
ajeer-265	79	27	such	such	ADJ
ajeer-265	79	28	individuals	individual	NOUN
ajeer-265	79	29	can	can	AUX
ajeer-265	79	30	invest	invest	VERB
ajeer-265	79	31	in	in	ADP
ajeer-265	79	32	their	their	PRON
ajeer-265	79	33	health	health	NOUN
ajeer-265	79	34	to	to	PART
ajeer-265	79	35	offset	offset	VERB
ajeer-265	79	36	this	this	DET
ajeer-265	79	37	depreciation	depreciation	NOUN
ajeer-265	79	38	or	or	CCONJ
ajeer-265	79	39	health	health	NOUN
ajeer-265	79	40	shocks	shock	NOUN
ajeer-265	79	41	.	.	PUNCT
ajeer-265	80	1	that	that	PRON
ajeer-265	80	2	is	is	ADV
ajeer-265	80	3	,	,	PUNCT
ajeer-265	80	4	(	(	PUNCT
ajeer-265	80	5	1	1	X
ajeer-265	80	6	)	)	PUNCT
ajeer-265	80	7	where	where	SCONJ
ajeer-265	80	8	;	;	PUNCT
ajeer-265	80	9	=	=	SYM
ajeer-265	80	10	longevity	longevity	NOUN
ajeer-265	80	11	or	or	CCONJ
ajeer-265	80	12	citizens	citizen	NOUN
ajeer-265	80	13	’	’	PART
ajeer-265	80	14	healthiness	healthiness	NOUN
ajeer-265	80	15	at	at	ADP
ajeer-265	80	16	current	current	ADJ
ajeer-265	80	17	period	period	NOUN
ajeer-265	80	18	;	;	PUNCT
ajeer-265	80	19	=	=	PUNCT
ajeer-265	80	20	health	health	NOUN
ajeer-265	80	21	shocks	shock	NOUN
ajeer-265	80	22	or	or	CCONJ
ajeer-265	80	23	illness	illness	NOUN
ajeer-265	80	24	through	through	ADP
ajeer-265	80	25	diseases	disease	NOUN
ajeer-265	80	26	and	and	CCONJ
ajeer-265	80	27	sick	sick	ADJ
ajeer-265	80	28	-	-	PUNCT
ajeer-265	80	29	days	day	NOUN
ajeer-265	80	30	;	;	PUNCT
ajeer-265	80	31	=	=	SYM
ajeer-265	80	32	rate	rate	NOUN
ajeer-265	80	33	of	of	ADP
ajeer-265	80	34	depreciation	depreciation	NOUN
ajeer-265	80	35	;	;	PUNCT
ajeer-265	80	36	while	while	SCONJ
ajeer-265	80	37	it	it	PRON
ajeer-265	80	38	=	=	PUNCT
ajeer-265	80	39	gross	gross	ADJ
ajeer-265	80	40	investment	investment	NOUN
ajeer-265	80	41	on	on	ADP
ajeer-265	80	42	health	health	NOUN
ajeer-265	80	43	status	status	NOUN
ajeer-265	80	44	.	.	PUNCT
ajeer-265	81	1	this	this	PRON
ajeer-265	81	2	implies	imply	VERB
ajeer-265	81	3	that	that	SCONJ
ajeer-265	81	4	:	:	PUNCT
ajeer-265	81	5	(	(	PUNCT
ajeer-265	81	6	2	2	X
ajeer-265	81	7	)	)	PUNCT
ajeer-265	81	8	where	where	SCONJ
ajeer-265	81	9	will	will	AUX
ajeer-265	81	10	always	always	ADV
ajeer-265	81	11	be	be	AUX
ajeer-265	81	12	positive	positive	ADJ
ajeer-265	81	13	when	when	SCONJ
ajeer-265	81	14	,	,	PUNCT
ajeer-265	81	15	that	that	ADV
ajeer-265	81	16	is	is	ADV
ajeer-265	81	17	,	,	PUNCT
ajeer-265	81	18	when	when	SCONJ
ajeer-265	81	19	citizens	citizen	NOUN
ajeer-265	81	20	invest	invest	VERB
ajeer-265	81	21	more	more	ADJ
ajeer-265	81	22	in	in	ADP
ajeer-265	81	23	their	their	PRON
ajeer-265	81	24	health	health	NOUN
ajeer-265	81	25	status	status	NOUN
ajeer-265	81	26	.	.	PUNCT
ajeer-265	82	1	on	on	ADP
ajeer-265	82	2	the	the	DET
ajeer-265	82	3	other	other	ADJ
ajeer-265	82	4	hand	hand	NOUN
ajeer-265	82	5	,	,	PUNCT
ajeer-265	82	6	will	will	AUX
ajeer-265	82	7	be	be	AUX
ajeer-265	82	8	negative	negative	ADJ
ajeer-265	82	9	anytime	anytime	ADV
ajeer-265	82	10	.	.	PUNCT
ajeer-265	83	1	therefore	therefore	ADV
ajeer-265	83	2	,	,	PUNCT
ajeer-265	83	3	to	to	PART
ajeer-265	83	4	improve	improve	VERB
ajeer-265	83	5	,	,	PUNCT
ajeer-265	83	6	grossman	grossman	NOUN
ajeer-265	83	7	(	(	PUNCT
ajeer-265	83	8	1972	1972	NUM
ajeer-265	83	9	)	)	PUNCT
ajeer-265	83	10	opine	opine	VERB
ajeer-265	83	11	availability	availability	NOUN
ajeer-265	83	12	of	of	ADP
ajeer-265	83	13	financial	financial	ADJ
ajeer-265	83	14	resources	resource	NOUN
ajeer-265	83	15	.	.	PUNCT
ajeer-265	84	1	from	from	ADP
ajeer-265	84	2	the	the	DET
ajeer-265	84	3	foregoing	foregoing	NOUN
ajeer-265	84	4	,	,	PUNCT
ajeer-265	84	5	the	the	DET
ajeer-265	84	6	analytical	analytical	ADJ
ajeer-265	84	7	foundation	foundation	NOUN
ajeer-265	84	8	for	for	ADP
ajeer-265	84	9	this	this	DET
ajeer-265	84	10	study	study	NOUN
ajeer-265	84	11	is	be	AUX
ajeer-265	84	12	predicted	predict	VERB
ajeer-265	84	13	on	on	ADP
ajeer-265	84	14	grossman	grossman	PROPN
ajeer-265	84	15	approach	approach	NOUN
ajeer-265	84	16	.	.	PUNCT
ajeer-265	85	1	the	the	DET
ajeer-265	85	2	framework	framework	NOUN
ajeer-265	85	3	considers	consider	VERB
ajeer-265	85	4	the	the	DET
ajeer-265	85	5	role	role	NOUN
ajeer-265	85	6	of	of	ADP
ajeer-265	85	7	investment	investment	NOUN
ajeer-265	85	8	in	in	ADP
ajeer-265	85	9	health	health	NOUN
ajeer-265	85	10	status	status	NOUN
ajeer-265	85	11	during	during	ADP
ajeer-265	85	12	health	health	NOUN
ajeer-265	85	13	shocks	shock	NOUN
ajeer-265	85	14	.	.	PUNCT
ajeer-265	86	1	schema	schema	NOUN
ajeer-265	86	2	1	1	NUM
ajeer-265	86	3	thus	thus	ADV
ajeer-265	86	4	provides	provide	VERB
ajeer-265	86	5	a	a	DET
ajeer-265	86	6	lucid	lucid	ADJ
ajeer-265	86	7	exposition	exposition	NOUN
ajeer-265	86	8	of	of	ADP
ajeer-265	86	9	the	the	DET
ajeer-265	86	10	transmission	transmission	NOUN
ajeer-265	86	11	channels	channel	NOUN
ajeer-265	86	12	from	from	ADP
ajeer-265	86	13	financial	financial	ADJ
ajeer-265	86	14	inclusion	inclusion	NOUN
ajeer-265	86	15	during	during	ADP
ajeer-265	86	16	health	health	NOUN
ajeer-265	86	17	stock	stock	NOUN
ajeer-265	86	18	to	to	PART
ajeer-265	86	19	improve	improve	VERB
ajeer-265	86	20	longevity	longevity	NOUN
ajeer-265	86	21	in	in	ADP
ajeer-265	86	22	africa	africa	PROPN
ajeer-265	86	23	.	.	PUNCT
ajeer-265	87	1	asian	asian	PROPN
ajeer-265	87	2	journal	journal	PROPN
ajeer-265	87	3	of	of	ADP
ajeer-265	87	4	economics	economic	NOUN
ajeer-265	87	5	and	and	CCONJ
ajeer-265	87	6	empirical	empirical	ADJ
ajeer-265	87	7	research	research	NOUN
ajeer-265	87	8	,	,	PUNCT
ajeer-265	87	9	2019	2019	NUM
ajeer-265	87	10	,	,	PUNCT
ajeer-265	87	11	6(1	6(1	NUM
ajeer-265	87	12	):	):	PUNCT
ajeer-265	87	13	45	45	NUM
ajeer-265	87	14	-	-	SYM
ajeer-265	87	15	51	51	NUM
ajeer-265	87	16	48	48	NUM
ajeer-265	87	17	©	©	PROPN
ajeer-265	87	18	2019	2019	NUM
ajeer-265	87	19	by	by	ADP
ajeer-265	87	20	the	the	DET
ajeer-265	87	21	authors	author	NOUN
ajeer-265	87	22	;	;	PUNCT
ajeer-265	87	23	licensee	licensee	PROPN
ajeer-265	87	24	asian	asian	ADJ
ajeer-265	87	25	online	online	PROPN
ajeer-265	87	26	journal	journal	PROPN
ajeer-265	87	27	publishing	publishing	PROPN
ajeer-265	87	28	group	group	PROPN
ajeer-265	87	29	schema-1	schema-1	PROPN
ajeer-265	87	30	.	.	PUNCT
ajeer-265	88	1	pathways	pathway	NOUN
ajeer-265	88	2	of	of	ADP
ajeer-265	88	3	financial	financial	ADJ
ajeer-265	88	4	inclusion	inclusion	NOUN
ajeer-265	88	5	on	on	ADP
ajeer-265	88	6	longevity	longevity	NOUN
ajeer-265	88	7	.	.	PUNCT
ajeer-265	89	1	source	source	NOUN
ajeer-265	89	2	:	:	PUNCT
ajeer-265	89	3	author	author	NOUN
ajeer-265	89	4	’s	’s	PART
ajeer-265	89	5	initiative	initiative	NOUN
ajeer-265	89	6	,	,	PUNCT
ajeer-265	89	7	2018	2018	NUM
ajeer-265	89	8	.	.	PUNCT
ajeer-265	90	1	notably	notably	ADV
ajeer-265	90	2	,	,	PUNCT
ajeer-265	90	3	the	the	DET
ajeer-265	90	4	arrow	arrow	NOUN
ajeer-265	90	5	lines	line	NOUN
ajeer-265	90	6	in	in	ADP
ajeer-265	90	7	schema	schema	NOUN
ajeer-265	90	8	1	1	NUM
ajeer-265	90	9	show	show	VERB
ajeer-265	90	10	the	the	DET
ajeer-265	90	11	direction	direction	NOUN
ajeer-265	90	12	of	of	ADP
ajeer-265	90	13	the	the	DET
ajeer-265	90	14	flow	flow	NOUN
ajeer-265	90	15	of	of	ADP
ajeer-265	90	16	impact	impact	NOUN
ajeer-265	90	17	from	from	ADP
ajeer-265	90	18	financial	financial	ADJ
ajeer-265	90	19	inclusion	inclusion	NOUN
ajeer-265	90	20	to	to	ADP
ajeer-265	90	21	longevity	longevity	NOUN
ajeer-265	90	22	.	.	PUNCT
ajeer-265	91	1	ample	ample	ADJ
ajeer-265	91	2	recent	recent	ADJ
ajeer-265	91	3	empirical	empirical	ADJ
ajeer-265	91	4	evidence	evidence	NOUN
ajeer-265	91	5	indicated	indicate	VERB
ajeer-265	91	6	that	that	SCONJ
ajeer-265	91	7	an	an	DET
ajeer-265	91	8	improved	improved	ADJ
ajeer-265	91	9	financial	financial	ADJ
ajeer-265	91	10	inclusion	inclusion	NOUN
ajeer-265	91	11	propels	propel	NOUN
ajeer-265	91	12	and	and	CCONJ
ajeer-265	91	13	play	play	VERB
ajeer-265	91	14	a	a	DET
ajeer-265	91	15	vital	vital	ADJ
ajeer-265	91	16	role	role	NOUN
ajeer-265	91	17	in	in	ADP
ajeer-265	91	18	promoting	promote	VERB
ajeer-265	91	19	access	access	NOUN
ajeer-265	91	20	to	to	ADP
ajeer-265	91	21	credit	credit	NOUN
ajeer-265	91	22	,	,	PUNCT
ajeer-265	91	23	use	use	NOUN
ajeer-265	91	24	of	of	ADP
ajeer-265	91	25	mobile	mobile	NOUN
ajeer-265	91	26	and	and	CCONJ
ajeer-265	91	27	atm	atm	NOUN
ajeer-265	91	28	,	,	PUNCT
ajeer-265	91	29	savings	saving	NOUN
ajeer-265	91	30	and	and	CCONJ
ajeer-265	91	31	easy	easy	ADJ
ajeer-265	91	32	access	access	NOUN
ajeer-265	91	33	to	to	ADP
ajeer-265	91	34	payments	payment	NOUN
ajeer-265	91	35	(	(	PUNCT
ajeer-265	91	36	see	see	VERB
ajeer-265	91	37	(	(	PUNCT
ajeer-265	91	38	naceur	naceur	ADV
ajeer-265	91	39	et	et	PROPN
ajeer-265	91	40	al	al	PROPN
ajeer-265	91	41	.	.	PROPN
ajeer-265	91	42	,	,	PUNCT
ajeer-265	91	43	2015	2015	NUM
ajeer-265	91	44	;	;	PUNCT
ajeer-265	91	45	dorfleitner	dorfleitner	NOUN
ajeer-265	91	46	and	and	CCONJ
ajeer-265	91	47	rößle	rößle	NOUN
ajeer-265	91	48	,	,	PUNCT
ajeer-265	91	49	2018	2018	NUM
ajeer-265	91	50	)	)	PUNCT
ajeer-265	91	51	.	.	PUNCT
ajeer-265	92	1	the	the	DET
ajeer-265	92	2	motivation	motivation	NOUN
ajeer-265	92	3	for	for	ADP
ajeer-265	92	4	increased	increase	VERB
ajeer-265	92	5	financial	financial	ADJ
ajeer-265	92	6	inclusion	inclusion	NOUN
ajeer-265	92	7	is	be	AUX
ajeer-265	92	8	to	to	PART
ajeer-265	92	9	ensure	ensure	VERB
ajeer-265	92	10	all	all	DET
ajeer-265	92	11	adults	adult	NOUN
ajeer-265	92	12	members	member	NOUN
ajeer-265	92	13	of	of	ADP
ajeer-265	92	14	all	all	DET
ajeer-265	92	15	nations	nation	NOUN
ajeer-265	92	16	to	to	PART
ajeer-265	92	17	have	have	VERB
ajeer-265	92	18	easy	easy	ADJ
ajeer-265	92	19	access	access	NOUN
ajeer-265	92	20	to	to	ADP
ajeer-265	92	21	extensive	extensive	ADJ
ajeer-265	92	22	financial	financial	ADJ
ajeer-265	92	23	products	product	NOUN
ajeer-265	92	24	,	,	PUNCT
ajeer-265	92	25	personalized	personalize	VERB
ajeer-265	92	26	towards	towards	ADP
ajeer-265	92	27	their	their	PRON
ajeer-265	92	28	health	health	NOUN
ajeer-265	92	29	needs	need	NOUN
ajeer-265	92	30	and	and	CCONJ
ajeer-265	92	31	provided	provide	VERB
ajeer-265	92	32	at	at	ADP
ajeer-265	92	33	reasonable	reasonable	ADJ
ajeer-265	92	34	costs	cost	NOUN
ajeer-265	92	35	(	(	PUNCT
ajeer-265	92	36	okoroafor	okoroafor	ADP
ajeer-265	92	37	et	et	PROPN
ajeer-265	92	38	al	al	PROPN
ajeer-265	92	39	.	.	PROPN
ajeer-265	92	40	,	,	PUNCT
ajeer-265	92	41	2018	2018	NUM
ajeer-265	92	42	)	)	PUNCT
ajeer-265	92	43	.	.	PUNCT
ajeer-265	93	1	access	access	NOUN
ajeer-265	93	2	to	to	ADP
ajeer-265	93	3	credit	credit	NOUN
ajeer-265	93	4	from	from	ADP
ajeer-265	93	5	family	family	NOUN
ajeer-265	93	6	and	and	CCONJ
ajeer-265	93	7	friends	friend	NOUN
ajeer-265	93	8	or	or	CCONJ
ajeer-265	93	9	financial	financial	ADJ
ajeer-265	93	10	institutions	institution	NOUN
ajeer-265	93	11	is	be	AUX
ajeer-265	93	12	associated	associate	VERB
ajeer-265	93	13	with	with	ADP
ajeer-265	93	14	good	good	ADJ
ajeer-265	93	15	health	health	NOUN
ajeer-265	93	16	(	(	PUNCT
ajeer-265	93	17	leivea	leivea	PROPN
ajeer-265	93	18	and	and	CCONJ
ajeer-265	93	19	xub	xub	NOUN
ajeer-265	93	20	,	,	PUNCT
ajeer-265	93	21	2008	2008	NUM
ajeer-265	93	22	)	)	PUNCT
ajeer-265	93	23	.	.	PUNCT
ajeer-265	94	1	for	for	ADP
ajeer-265	94	2	instance	instance	NOUN
ajeer-265	94	3	,	,	PUNCT
ajeer-265	94	4	a	a	DET
ajeer-265	94	5	well	well	ADV
ajeer-265	94	6	-	-	PUNCT
ajeer-265	94	7	functioning	function	VERB
ajeer-265	94	8	financial	financial	ADJ
ajeer-265	94	9	system	system	NOUN
ajeer-265	94	10	improves	improve	VERB
ajeer-265	94	11	access	access	NOUN
ajeer-265	94	12	to	to	ADP
ajeer-265	94	13	healthcare	healthcare	PROPN
ajeer-265	94	14	services	service	NOUN
ajeer-265	94	15	by	by	ADP
ajeer-265	94	16	building	build	VERB
ajeer-265	94	17	a	a	DET
ajeer-265	94	18	platform	platform	NOUN
ajeer-265	94	19	for	for	ADP
ajeer-265	94	20	providing	provide	VERB
ajeer-265	94	21	credit	credit	NOUN
ajeer-265	94	22	and	and	CCONJ
ajeer-265	94	23	health	health	NOUN
ajeer-265	94	24	-	-	PUNCT
ajeer-265	94	25	risk	risk	NOUN
ajeer-265	94	26	management	management	NOUN
ajeer-265	94	27	products	product	NOUN
ajeer-265	94	28	to	to	ADP
ajeer-265	94	29	people	people	NOUN
ajeer-265	94	30	with	with	ADP
ajeer-265	94	31	a	a	DET
ajeer-265	94	32	range	range	NOUN
ajeer-265	94	33	of	of	ADP
ajeer-265	94	34	health	health	NOUN
ajeer-265	94	35	-	-	PUNCT
ajeer-265	94	36	needs	need	NOUN
ajeer-265	94	37	.	.	PUNCT
ajeer-265	95	1	savings	saving	NOUN
ajeer-265	95	2	also	also	ADV
ajeer-265	95	3	exert	exert	VERB
ajeer-265	95	4	positive	positive	ADJ
ajeer-265	95	5	impact	impact	NOUN
ajeer-265	95	6	on	on	ADP
ajeer-265	95	7	longevity	longevity	NOUN
ajeer-265	95	8	by	by	ADP
ajeer-265	95	9	reducing	reduce	VERB
ajeer-265	95	10	health	health	NOUN
ajeer-265	95	11	-	-	PUNCT
ajeer-265	95	12	shocks	shock	NOUN
ajeer-265	95	13	.	.	PUNCT
ajeer-265	96	1	quality	quality	NOUN
ajeer-265	96	2	savings	saving	NOUN
ajeer-265	96	3	play	play	VERB
ajeer-265	96	4	a	a	DET
ajeer-265	96	5	vital	vital	ADJ
ajeer-265	96	6	role	role	NOUN
ajeer-265	96	7	in	in	ADP
ajeer-265	96	8	promoting	promote	VERB
ajeer-265	96	9	both	both	CCONJ
ajeer-265	96	10	direct	direct	ADJ
ajeer-265	96	11	and	and	CCONJ
ajeer-265	96	12	indirect	indirect	ADJ
ajeer-265	96	13	capabilities	capability	NOUN
ajeer-265	96	14	of	of	ADP
ajeer-265	96	15	people	people	NOUN
ajeer-265	96	16	to	to	PART
ajeer-265	96	17	access	access	VERB
ajeer-265	96	18	healthcare	healthcare	NOUN
ajeer-265	96	19	services	service	NOUN
ajeer-265	96	20	during	during	ADP
ajeer-265	96	21	health	health	NOUN
ajeer-265	96	22	-	-	PUNCT
ajeer-265	96	23	shocks	shock	NOUN
ajeer-265	96	24	(	(	PUNCT
ajeer-265	96	25	love	love	NOUN
ajeer-265	96	26	and	and	CCONJ
ajeer-265	96	27	peria	peria	NOUN
ajeer-265	96	28	,	,	PUNCT
ajeer-265	96	29	2012	2012	NUM
ajeer-265	96	30	)	)	PUNCT
ajeer-265	96	31	.	.	PUNCT
ajeer-265	97	1	it	it	PRON
ajeer-265	97	2	impacts	impact	VERB
ajeer-265	97	3	longevity	longevity	NOUN
ajeer-265	97	4	directly	directly	ADV
ajeer-265	97	5	through	through	ADP
ajeer-265	97	6	enabling	enable	VERB
ajeer-265	97	7	the	the	DET
ajeer-265	97	8	provision	provision	NOUN
ajeer-265	97	9	of	of	ADP
ajeer-265	97	10	financial	financial	ADJ
ajeer-265	97	11	resources	resource	NOUN
ajeer-265	97	12	via	via	ADP
ajeer-265	97	13	timely	timely	ADJ
ajeer-265	97	14	payments	payment	NOUN
ajeer-265	97	15	,	,	PUNCT
ajeer-265	97	16	and	and	CCONJ
ajeer-265	97	17	indirectly	indirectly	ADV
ajeer-265	97	18	through	through	ADP
ajeer-265	97	19	enabling	enable	VERB
ajeer-265	97	20	borrowing	borrowing	NOUN
ajeer-265	97	21	and	and	CCONJ
ajeer-265	97	22	granting	grant	VERB
ajeer-265	97	23	access	access	NOUN
ajeer-265	97	24	to	to	ADP
ajeer-265	97	25	new	new	ADJ
ajeer-265	97	26	credits	credit	NOUN
ajeer-265	97	27	opportunities	opportunity	NOUN
ajeer-265	97	28	for	for	ADP
ajeer-265	97	29	the	the	DET
ajeer-265	97	30	lowincome	lowincome	NOUN
ajeer-265	97	31	earners	earner	NOUN
ajeer-265	97	32	(	(	PUNCT
ajeer-265	97	33	witter	witter	PROPN
ajeer-265	97	34	et	et	PROPN
ajeer-265	97	35	al	al	PROPN
ajeer-265	97	36	.	.	PROPN
ajeer-265	97	37	,	,	PUNCT
ajeer-265	97	38	2017	2017	NUM
ajeer-265	97	39	;	;	PUNCT
ajeer-265	97	40	dake	dake	NOUN
ajeer-265	97	41	,	,	PUNCT
ajeer-265	97	42	2018	2018	NUM
ajeer-265	97	43	)	)	PUNCT
ajeer-265	97	44	.	.	PUNCT
ajeer-265	98	1	hence	hence	ADV
ajeer-265	98	2	,	,	PUNCT
ajeer-265	98	3	an	an	DET
ajeer-265	98	4	inclusive	inclusive	ADJ
ajeer-265	98	5	financial	financial	ADJ
ajeer-265	98	6	system	system	NOUN
ajeer-265	98	7	is	be	AUX
ajeer-265	98	8	key	key	ADJ
ajeer-265	98	9	to	to	PART
ajeer-265	98	10	build	build	VERB
ajeer-265	98	11	a	a	DET
ajeer-265	98	12	platform	platform	NOUN
ajeer-265	98	13	for	for	ADP
ajeer-265	98	14	financial	financial	ADJ
ajeer-265	98	15	institution	institution	NOUN
ajeer-265	98	16	to	to	PART
ajeer-265	98	17	permits	permit	VERB
ajeer-265	98	18	an	an	DET
ajeer-265	98	19	easy	easy	ADJ
ajeer-265	98	20	broad	broad	ADV
ajeer-265	98	21	-	-	PUNCT
ajeer-265	98	22	based	base	VERB
ajeer-265	98	23	access	access	NOUN
ajeer-265	98	24	to	to	ADP
ajeer-265	98	25	financial	financial	ADJ
ajeer-265	98	26	services	service	NOUN
ajeer-265	98	27	especially	especially	ADV
ajeer-265	98	28	during	during	ADP
ajeer-265	98	29	health	health	NOUN
ajeer-265	98	30	shocks	shock	NOUN
ajeer-265	98	31	periods	period	NOUN
ajeer-265	98	32	.	.	PUNCT
ajeer-265	99	1	without	without	ADP
ajeer-265	99	2	financially	financially	ADV
ajeer-265	99	3	inclusion	inclusion	NOUN
ajeer-265	99	4	systems	system	NOUN
ajeer-265	99	5	,	,	PUNCT
ajeer-265	99	6	the	the	DET
ajeer-265	99	7	poor	poor	ADJ
ajeer-265	99	8	would	would	AUX
ajeer-265	99	9	rely	rely	VERB
ajeer-265	99	10	on	on	ADP
ajeer-265	99	11	their	their	PRON
ajeer-265	99	12	inadequate	inadequate	ADJ
ajeer-265	99	13	savings	saving	NOUN
ajeer-265	99	14	(	(	PUNCT
ajeer-265	99	15	naceur	naceur	ADV
ajeer-265	99	16	et	et	PROPN
ajeer-265	99	17	al	al	PROPN
ajeer-265	99	18	.	.	PROPN
ajeer-265	99	19	,	,	PUNCT
ajeer-265	99	20	2015	2015	NUM
ajeer-265	99	21	)	)	PUNCT
ajeer-265	99	22	.	.	PUNCT
ajeer-265	100	1	3.2	3.2	NUM
ajeer-265	100	2	.	.	PUNCT
ajeer-265	100	3	model	model	NOUN
ajeer-265	100	4	specification	specification	NOUN
ajeer-265	100	5	the	the	DET
ajeer-265	100	6	model	model	NOUN
ajeer-265	100	7	adopted	adopt	VERB
ajeer-265	100	8	for	for	ADP
ajeer-265	100	9	this	this	DET
ajeer-265	100	10	study	study	NOUN
ajeer-265	100	11	is	be	AUX
ajeer-265	100	12	in	in	ADP
ajeer-265	100	13	the	the	DET
ajeer-265	100	14	spirit	spirit	NOUN
ajeer-265	100	15	of	of	ADP
ajeer-265	100	16	the	the	DET
ajeer-265	100	17	grossman	grossman	NOUN
ajeer-265	100	18	(	(	PUNCT
ajeer-265	100	19	1972	1972	NUM
ajeer-265	100	20	)	)	PUNCT
ajeer-265	100	21	.	.	PUNCT
ajeer-265	101	1	however	however	ADV
ajeer-265	101	2	,	,	PUNCT
ajeer-265	101	3	the	the	DET
ajeer-265	101	4	specification	specification	NOUN
ajeer-265	101	5	of	of	ADP
ajeer-265	101	6	this	this	DET
ajeer-265	101	7	study	study	NOUN
ajeer-265	101	8	differs	differ	VERB
ajeer-265	101	9	from	from	ADP
ajeer-265	101	10	the	the	DET
ajeer-265	101	11	aforementioned	aforementioned	ADJ
ajeer-265	101	12	in	in	ADP
ajeer-265	101	13	that	that	SCONJ
ajeer-265	101	14	the	the	DET
ajeer-265	101	15	paper	paper	NOUN
ajeer-265	101	16	empirically	empirically	ADV
ajeer-265	101	17	estimates	estimate	VERB
ajeer-265	101	18	the	the	DET
ajeer-265	101	19	impact	impact	NOUN
ajeer-265	101	20	of	of	ADP
ajeer-265	101	21	financial	financial	ADJ
ajeer-265	101	22	inclusion	inclusion	NOUN
ajeer-265	101	23	on	on	ADP
ajeer-265	101	24	longevity	longevity	NOUN
ajeer-265	101	25	in	in	ADP
ajeer-265	101	26	36	36	NUM
ajeer-265	101	27	african	african	ADJ
ajeer-265	101	28	nations	nation	NOUN
ajeer-265	101	29	.	.	PUNCT
ajeer-265	102	1	the	the	DET
ajeer-265	102	2	model	model	NOUN
ajeer-265	102	3	is	be	AUX
ajeer-265	102	4	specified	specify	VERB
ajeer-265	102	5	as	as	SCONJ
ajeer-265	102	6	follows	follow	VERB
ajeer-265	102	7	:	:	PUNCT
ajeer-265	102	8	(	(	PUNCT
ajeer-265	102	9	3	3	X
ajeer-265	102	10	)	)	PUNCT
ajeer-265	102	11	where	where	SCONJ
ajeer-265	102	12	the	the	DET
ajeer-265	102	13	subscript	subscript	NOUN
ajeer-265	102	14	i	i	PRON
ajeer-265	102	15	is	be	AUX
ajeer-265	102	16	the	the	DET
ajeer-265	102	17	selected	select	VERB
ajeer-265	102	18	african	african	ADJ
ajeer-265	102	19	nations	nation	NOUN
ajeer-265	102	20	and	and	CCONJ
ajeer-265	102	21	t	t	PROPN
ajeer-265	102	22	represents	represent	VERB
ajeer-265	102	23	the	the	DET
ajeer-265	102	24	time	time	NOUN
ajeer-265	102	25	frame	frame	NOUN
ajeer-265	102	26	considered	consider	VERB
ajeer-265	102	27	.	.	PUNCT
ajeer-265	103	1	the	the	DET
ajeer-265	103	2	paper	paper	NOUN
ajeer-265	103	3	relies	rely	VERB
ajeer-265	103	4	on	on	ADP
ajeer-265	103	5	average	average	ADJ
ajeer-265	103	6	life	life	NOUN
ajeer-265	103	7	expectancy	expectancy	NOUN
ajeer-265	103	8	at	at	ADP
ajeer-265	103	9	birth	birth	NOUN
ajeer-265	103	10	(	(	PUNCT
ajeer-265	103	11	leb	leb	PROPN
ajeer-265	103	12	)	)	PUNCT
ajeer-265	103	13	as	as	ADP
ajeer-265	103	14	a	a	DET
ajeer-265	103	15	proxy	proxy	NOUN
ajeer-265	103	16	for	for	ADP
ajeer-265	103	17	longevity	longevity	NOUN
ajeer-265	103	18	.	.	PUNCT
ajeer-265	104	1	leb	leb	PROPN
ajeer-265	104	2	refers	refer	VERB
ajeer-265	104	3	to	to	ADP
ajeer-265	104	4	the	the	DET
ajeer-265	104	5	average	average	ADJ
ajeer-265	104	6	number	number	NOUN
ajeer-265	104	7	of	of	ADP
ajeer-265	104	8	years	year	NOUN
ajeer-265	104	9	an	an	DET
ajeer-265	104	10	infant	infant	NOUN
ajeer-265	104	11	is	be	AUX
ajeer-265	104	12	expected	expect	VERB
ajeer-265	104	13	to	to	PART
ajeer-265	104	14	live	live	VERB
ajeer-265	104	15	if	if	SCONJ
ajeer-265	104	16	a	a	DET
ajeer-265	104	17	mortality	mortality	NOUN
ajeer-265	104	18	pattern	pattern	NOUN
ajeer-265	104	19	at	at	ADP
ajeer-265	104	20	the	the	DET
ajeer-265	104	21	time	time	NOUN
ajeer-265	104	22	of	of	ADP
ajeer-265	104	23	birth	birth	NOUN
ajeer-265	104	24	remains	remain	VERB
ajeer-265	104	25	constant	constant	ADJ
ajeer-265	104	26	in	in	ADP
ajeer-265	104	27	the	the	DET
ajeer-265	104	28	future	future	NOUN
ajeer-265	104	29	.	.	PUNCT
ajeer-265	105	1	it	it	PRON
ajeer-265	105	2	is	be	AUX
ajeer-265	105	3	the	the	DET
ajeer-265	105	4	average	average	ADJ
ajeer-265	105	5	-	-	PUNCT
ajeer-265	105	6	period	period	NOUN
ajeer-265	105	7	that	that	PRON
ajeer-265	105	8	a	a	DET
ajeer-265	105	9	person	person	NOUN
ajeer-265	105	10	is	be	AUX
ajeer-265	105	11	expected	expect	VERB
ajeer-265	105	12	to	to	PART
ajeer-265	105	13	live	live	VERB
ajeer-265	105	14	as	as	ADP
ajeer-265	105	15	determined	determined	ADJ
ajeer-265	105	16	taking	take	VERB
ajeer-265	105	17	account	account	NOUN
ajeer-265	105	18	of	of	ADP
ajeer-265	105	19	current	current	ADJ
ajeer-265	105	20	economic	economic	ADJ
ajeer-265	105	21	situation	situation	NOUN
ajeer-265	105	22	.	.	PUNCT
ajeer-265	106	1	it	it	PRON
ajeer-265	106	2	also	also	ADV
ajeer-265	106	3	reflects	reflect	VERB
ajeer-265	106	4	the	the	DET
ajeer-265	106	5	overall	overall	ADJ
ajeer-265	106	6	mortality	mortality	NOUN
ajeer-265	106	7	level	level	NOUN
ajeer-265	106	8	of	of	ADP
ajeer-265	106	9	a	a	DET
ajeer-265	106	10	population	population	NOUN
ajeer-265	106	11	and	and	CCONJ
ajeer-265	106	12	summarizes	summarize	VERB
ajeer-265	106	13	the	the	DET
ajeer-265	106	14	mortality	mortality	NOUN
ajeer-265	106	15	pattern	pattern	NOUN
ajeer-265	106	16	that	that	PRON
ajeer-265	106	17	prevails	prevail	VERB
ajeer-265	106	18	across	across	ADP
ajeer-265	106	19	all	all	DET
ajeer-265	106	20	age	age	NOUN
ajeer-265	106	21	groups	group	NOUN
ajeer-265	106	22	(	(	PUNCT
ajeer-265	106	23	who	who	PRON
ajeer-265	106	24	,	,	PUNCT
ajeer-265	106	25	2017a	2017a	NUM
ajeer-265	106	26	)	)	PUNCT
ajeer-265	106	27	.	.	PUNCT
ajeer-265	107	1	it	it	PRON
ajeer-265	107	2	also	also	ADV
ajeer-265	107	3	indicates	indicate	VERB
ajeer-265	107	4	the	the	DET
ajeer-265	107	5	number	number	NOUN
ajeer-265	107	6	of	of	ADP
ajeer-265	107	7	years	year	NOUN
ajeer-265	107	8	an	an	DET
ajeer-265	107	9	infant	infant	NOUN
ajeer-265	107	10	would	would	AUX
ajeer-265	107	11	live	live	VERB
ajeer-265	107	12	provided	provide	VERB
ajeer-265	107	13	the	the	DET
ajeer-265	107	14	patterns	pattern	NOUN
ajeer-265	107	15	of	of	ADP
ajeer-265	107	16	mortality	mortality	NOUN
ajeer-265	107	17	continues	continue	VERB
ajeer-265	107	18	at	at	ADP
ajeer-265	107	19	the	the	DET
ajeer-265	107	20	time	time	NOUN
ajeer-265	107	21	of	of	ADP
ajeer-265	107	22	birth	birth	NOUN
ajeer-265	107	23	were	be	AUX
ajeer-265	107	24	to	to	PART
ajeer-265	107	25	stay	stay	VERB
ajeer-265	107	26	the	the	DET
ajeer-265	107	27	same	same	ADJ
ajeer-265	107	28	throughout	throughout	ADP
ajeer-265	107	29	his	his	PRON
ajeer-265	107	30	life	life	NOUN
ajeer-265	107	31	.	.	PUNCT
ajeer-265	108	1	hence	hence	ADV
ajeer-265	108	2	,	,	PUNCT
ajeer-265	108	3	it	it	PRON
ajeer-265	108	4	is	be	AUX
ajeer-265	108	5	an	an	DET
ajeer-265	108	6	important	important	ADJ
ajeer-265	108	7	index	index	NOUN
ajeer-265	108	8	of	of	ADP
ajeer-265	108	9	long	long	ADJ
ajeer-265	108	10	life	life	NOUN
ajeer-265	108	11	.	.	PUNCT
ajeer-265	109	1	for	for	ADP
ajeer-265	109	2	financial	financial	ADJ
ajeer-265	109	3	inclusion	inclusion	NOUN
ajeer-265	109	4	in	in	ADP
ajeer-265	109	5	africa	africa	PROPN
ajeer-265	109	6	(	(	PUNCT
ajeer-265	109	7	fi	fi	NOUN
ajeer-265	109	8	)	)	PUNCT
ajeer-265	109	9	,	,	PUNCT
ajeer-265	109	10	the	the	DET
ajeer-265	109	11	study	study	NOUN
ajeer-265	109	12	employed	employ	VERB
ajeer-265	109	13	the	the	DET
ajeer-265	109	14	numbers	number	NOUN
ajeer-265	109	15	of	of	ADP
ajeer-265	109	16	depositors	depositor	NOUN
ajeer-265	109	17	with	with	ADP
ajeer-265	109	18	commercial	commercial	ADJ
ajeer-265	109	19	banks	bank	NOUN
ajeer-265	109	20	per	per	ADP
ajeer-265	109	21	1,000	1,000	NUM
ajeer-265	109	22	adults	adult	NOUN
ajeer-265	109	23	;	;	PUNCT
ajeer-265	109	24	and	and	CCONJ
ajeer-265	109	25	population	population	NOUN
ajeer-265	109	26	growth	growth	NOUN
ajeer-265	109	27	rate	rate	NOUN
ajeer-265	109	28	(	(	PUNCT
ajeer-265	109	29	pgr	pgr	PROPN
ajeer-265	109	30	)	)	PUNCT
ajeer-265	109	31	as	as	ADP
ajeer-265	109	32	the	the	DET
ajeer-265	109	33	control	control	NOUN
ajeer-265	109	34	variables	variable	VERB
ajeer-265	109	35	.	.	PUNCT
ajeer-265	110	1	from	from	ADP
ajeer-265	110	2	equation	equation	NOUN
ajeer-265	110	3	3	3	NUM
ajeer-265	110	4	,	,	PUNCT
ajeer-265	110	5	it	it	PRON
ajeer-265	110	6	implies	imply	VERB
ajeer-265	110	7	that	that	SCONJ
ajeer-265	110	8	:	:	PUNCT
ajeer-265	110	9	(	(	PUNCT
ajeer-265	110	10	4	4	X
ajeer-265	110	11	)	)	PUNCT
ajeer-265	110	12	hence	hence	ADV
ajeer-265	110	13	,	,	PUNCT
ajeer-265	110	14	the	the	DET
ajeer-265	110	15	econometric	econometric	ADJ
ajeer-265	110	16	model	model	NOUN
ajeer-265	110	17	from	from	ADP
ajeer-265	110	18	equation	equation	NOUN
ajeer-265	110	19	4	4	NUM
ajeer-265	110	20	is	be	AUX
ajeer-265	110	21	explicitly	explicitly	ADV
ajeer-265	110	22	specified	specify	VERB
ajeer-265	110	23	as	as	ADP
ajeer-265	110	24	:	:	PUNCT
ajeer-265	110	25	(	(	PUNCT
ajeer-265	110	26	5	5	X
ajeer-265	110	27	)	)	PUNCT
ajeer-265	110	28	where	where	SCONJ
ajeer-265	110	29	𝝻	𝝻	PROPN
ajeer-265	110	30	is	be	AUX
ajeer-265	110	31	the	the	DET
ajeer-265	110	32	error	error	NOUN
ajeer-265	110	33	term	term	NOUN
ajeer-265	110	34	assumed	assume	VERB
ajeer-265	110	35	to	to	PART
ajeer-265	110	36	satisfy	satisfy	VERB
ajeer-265	110	37	the	the	DET
ajeer-265	110	38	gaussian	gaussian	ADJ
ajeer-265	110	39	white	white	ADJ
ajeer-265	110	40	noise	noise	NOUN
ajeer-265	110	41	condition	condition	NOUN
ajeer-265	110	42	;	;	PUNCT
ajeer-265	110	43	α	α	PRON
ajeer-265	110	44	is	be	AUX
ajeer-265	110	45	the	the	DET
ajeer-265	110	46	intercept	intercept	NOUN
ajeer-265	110	47	,	,	PUNCT
ajeer-265	110	48	β1	β1	PROPN
ajeer-265	110	49	and	and	CCONJ
ajeer-265	110	50	β2	β2	NOUN
ajeer-265	110	51	are	be	AUX
ajeer-265	110	52	parameters	parameter	NOUN
ajeer-265	110	53	or	or	CCONJ
ajeer-265	110	54	slope	slope	NOUN
ajeer-265	110	55	of	of	ADP
ajeer-265	110	56	relationship	relationship	NOUN
ajeer-265	110	57	for	for	ADP
ajeer-265	110	58	fi	fi	NOUN
ajeer-265	110	59	and	and	CCONJ
ajeer-265	110	60	pgr	pgr	NOUN
ajeer-265	110	61	respectively	respectively	ADV
ajeer-265	110	62	.	.	PUNCT
ajeer-265	111	1	apriorily	apriorily	ADV
ajeer-265	111	2	,	,	PUNCT
ajeer-265	111	3	fi	fi	NOUN
ajeer-265	111	4	is	be	AUX
ajeer-265	111	5	expected	expect	VERB
ajeer-265	111	6	to	to	PART
ajeer-265	111	7	exert	exert	VERB
ajeer-265	111	8	positive	positive	ADJ
ajeer-265	111	9	influence	influence	NOUN
ajeer-265	111	10	on	on	ADP
ajeer-265	111	11	longevity	longevity	NOUN
ajeer-265	111	12	;	;	PUNCT
ajeer-265	111	13	while	while	SCONJ
ajeer-265	111	14	pgh	pgh	PROPN
ajeer-265	111	15	is	be	AUX
ajeer-265	111	16	negatively	negatively	ADV
ajeer-265	111	17	related	relate	VERB
ajeer-265	111	18	.	.	PUNCT
ajeer-265	112	1	3.3	3.3	NUM
ajeer-265	112	2	.	.	PUNCT
ajeer-265	113	1	estimation	estimation	NOUN
ajeer-265	113	2	procedures	procedure	NOUN
ajeer-265	113	3	the	the	DET
ajeer-265	113	4	paper	paper	NOUN
ajeer-265	113	5	empirically	empirically	ADV
ajeer-265	113	6	investigates	investigate	VERB
ajeer-265	113	7	the	the	DET
ajeer-265	113	8	impact	impact	NOUN
ajeer-265	113	9	of	of	ADP
ajeer-265	113	10	financial	financial	ADJ
ajeer-265	113	11	inclusion	inclusion	NOUN
ajeer-265	113	12	on	on	ADP
ajeer-265	113	13	longevity	longevity	NOUN
ajeer-265	113	14	in	in	ADP
ajeer-265	113	15	africa	africa	PROPN
ajeer-265	113	16	by	by	ADP
ajeer-265	113	17	employing	employ	VERB
ajeer-265	113	18	panel	panel	NOUN
ajeer-265	113	19	regressions	regression	NOUN
ajeer-265	113	20	.	.	PUNCT
ajeer-265	114	1	three	three	NUM
ajeer-265	114	2	regressions	regression	NOUN
ajeer-265	114	3	models	model	NOUN
ajeer-265	114	4	were	be	AUX
ajeer-265	114	5	estimated	estimate	VERB
ajeer-265	114	6	based	base	VERB
ajeer-265	114	7	on	on	ADP
ajeer-265	114	8	the	the	DET
ajeer-265	114	9	unobserved	unobserved	ADJ
ajeer-265	114	10	characteristics	characteristic	NOUN
ajeer-265	114	11	.	.	PUNCT
ajeer-265	115	1	these	these	DET
ajeer-265	115	2	techniques	technique	NOUN
ajeer-265	115	3	were	be	AUX
ajeer-265	115	4	–	–	PUNCT
ajeer-265	115	5	pooled	pool	VERB
ajeer-265	115	6	ordinary	ordinary	ADJ
ajeer-265	115	7	logistic	logistic	ADJ
ajeer-265	115	8	(	(	PUNCT
ajeer-265	115	9	pol	pol	NOUN
ajeer-265	115	10	)	)	PUNCT
ajeer-265	115	11	,	,	PUNCT
ajeer-265	115	12	fixed	fix	VERB
ajeer-265	115	13	effects	effect	NOUN
ajeer-265	115	14	(	(	PUNCT
ajeer-265	115	15	fe	fe	NOUN
ajeer-265	115	16	)	)	PUNCT
ajeer-265	115	17	and	and	CCONJ
ajeer-265	115	18	random	random	ADJ
ajeer-265	115	19	effects	effect	NOUN
ajeer-265	115	20	(	(	PUNCT
ajeer-265	115	21	re	re	NOUN
ajeer-265	115	22	)	)	PUNCT
ajeer-265	115	23	.	.	PUNCT
ajeer-265	116	1	since	since	SCONJ
ajeer-265	116	2	the	the	DET
ajeer-265	116	3	intercept	intercept	NOUN
ajeer-265	116	4	αi	αi	VERB
ajeer-265	116	5	is	be	AUX
ajeer-265	116	6	unobserved	unobserved	ADJ
ajeer-265	116	7	heterogeneity	heterogeneity	NOUN
ajeer-265	116	8	which	which	PRON
ajeer-265	116	9	is	be	AUX
ajeer-265	116	10	fixed	fix	VERB
ajeer-265	116	11	for	for	ADP
ajeer-265	116	12	nations	nation	NOUN
ajeer-265	116	13	in	in	ADP
ajeer-265	116	14	africa	africa	PROPN
ajeer-265	116	15	and	and	CCONJ
ajeer-265	116	16	uit	uit	VERB
ajeer-265	116	17	the	the	DET
ajeer-265	116	18	residual	residual	ADJ
ajeer-265	116	19	.	.	PUNCT
ajeer-265	117	1	in	in	ADP
ajeer-265	117	2	estimating	estimate	VERB
ajeer-265	117	3	pol	pol	NOUN
ajeer-265	117	4	,	,	PUNCT
ajeer-265	117	5	αi	αi	PRON
ajeer-265	117	6	becomes	become	VERB
ajeer-265	117	7	a	a	DET
ajeer-265	117	8	component	component	NOUN
ajeer-265	117	9	of	of	ADP
ajeer-265	117	10	residual	residual	ADJ
ajeer-265	117	11	.	.	PUNCT
ajeer-265	118	1	thus	thus	ADV
ajeer-265	118	2	,	,	PUNCT
ajeer-265	118	3	the	the	DET
ajeer-265	118	4	composed	compose	VERB
ajeer-265	118	5	residual	residual	NOUN
ajeer-265	118	6	is	be	AUX
ajeer-265	118	7	:	:	PUNCT
ajeer-265	118	8	(	(	PUNCT
ajeer-265	118	9	6	6	NUM
ajeer-265	118	10	)	)	PUNCT
ajeer-265	118	11	however	however	ADV
ajeer-265	118	12	,	,	PUNCT
ajeer-265	118	13	βs	βs	PUNCT
ajeer-265	118	14	in	in	ADP
ajeer-265	118	15	pol	pol	PROPN
ajeer-265	118	16	can	can	AUX
ajeer-265	118	17	be	be	AUX
ajeer-265	118	18	inefficient	inefficient	ADJ
ajeer-265	118	19	because	because	SCONJ
ajeer-265	118	20	of	of	ADP
ajeer-265	118	21	the	the	DET
ajeer-265	118	22	unobserved	unobserved	ADJ
ajeer-265	118	23	effect	effect	NOUN
ajeer-265	118	24	in	in	ADP
ajeer-265	118	25	.	.	PUNCT
ajeer-265	119	1	this	this	PRON
ajeer-265	119	2	generate	generate	VERB
ajeer-265	119	3	serial	serial	ADJ
ajeer-265	119	4	autocorrelation	autocorrelation	NOUN
ajeer-265	119	5	;	;	PUNCT
ajeer-265	119	6	thus	thus	ADV
ajeer-265	119	7	,	,	PUNCT
ajeer-265	119	8	robust	robust	ADJ
ajeer-265	119	9	test	test	NOUN
ajeer-265	119	10	will	will	AUX
ajeer-265	119	11	be	be	AUX
ajeer-265	119	12	needed	need	VERB
ajeer-265	119	13	to	to	PART
ajeer-265	119	14	deal	deal	VERB
ajeer-265	119	15	with	with	ADP
ajeer-265	119	16	the	the	DET
ajeer-265	119	17	issue	issue	NOUN
ajeer-265	119	18	.	.	PUNCT
ajeer-265	120	1	re	re	X
ajeer-265	120	2	assume	assume	VERB
ajeer-265	120	3	unobserved	unobserved	ADJ
ajeer-265	120	4	effect	effect	NOUN
ajeer-265	120	5	is	be	AUX
ajeer-265	120	6	unknown	unknown	ADJ
ajeer-265	120	7	and	and	CCONJ
ajeer-265	120	8	can	can	AUX
ajeer-265	120	9	be	be	AUX
ajeer-265	120	10	captured	capture	VERB
ajeer-265	120	11	by	by	ADP
ajeer-265	120	12	random	random	ADJ
ajeer-265	120	13	variable	variable	NOUN
ajeer-265	120	14	and	and	CCONJ
ajeer-265	120	15	treated	treat	VERB
ajeer-265	120	16	as	as	ADP
ajeer-265	120	17	part	part	NOUN
ajeer-265	120	18	of	of	ADP
ajeer-265	120	19	it	it	PRON
ajeer-265	120	20	also	also	ADV
ajeer-265	120	21	imposes	impose	VERB
ajeer-265	120	22	more	more	ADV
ajeer-265	120	23	restrictive	restrictive	ADJ
ajeer-265	120	24	assumption	assumption	NOUN
ajeer-265	120	25	than	than	ADP
ajeer-265	120	26	pol	pol	PROPN
ajeer-265	120	27	,	,	PUNCT
ajeer-265	120	28	because	because	SCONJ
ajeer-265	120	29	it	it	PRON
ajeer-265	120	30	includes	include	VERB
ajeer-265	120	31	the	the	DET
ajeer-265	120	32	unobserved	unobserved	ADJ
ajeer-265	120	33	heterogeneity	heterogeneity	NOUN
ajeer-265	120	34	in	in	ADP
ajeer-265	120	35	vit	vit	NOUN
ajeer-265	120	36	to	to	PART
ajeer-265	120	37	obtain	obtain	VERB
ajeer-265	120	38	consistent	consistent	ADJ
ajeer-265	120	39	and	and	CCONJ
ajeer-265	120	40	efficient	efficient	ADJ
ajeer-265	120	41	βs	βs	NOUN
ajeer-265	120	42	.	.	PUNCT
ajeer-265	121	1	for	for	ADP
ajeer-265	121	2	fe	fe	PROPN
ajeer-265	121	3	,	,	PUNCT
ajeer-265	121	4	the	the	DET
ajeer-265	121	5	asian	asian	ADJ
ajeer-265	121	6	journal	journal	NOUN
ajeer-265	121	7	of	of	ADP
ajeer-265	121	8	economics	economic	NOUN
ajeer-265	121	9	and	and	CCONJ
ajeer-265	121	10	empirical	empirical	ADJ
ajeer-265	121	11	research	research	NOUN
ajeer-265	121	12	,	,	PUNCT
ajeer-265	121	13	2019	2019	NUM
ajeer-265	121	14	,	,	PUNCT
ajeer-265	121	15	6(1	6(1	NUM
ajeer-265	121	16	):	):	PUNCT
ajeer-265	121	17	45	45	NUM
ajeer-265	121	18	-	-	SYM
ajeer-265	121	19	51	51	NUM
ajeer-265	121	20	49	49	NUM
ajeer-265	121	21	©	©	PROPN
ajeer-265	121	22	2019	2019	NUM
ajeer-265	121	23	by	by	ADP
ajeer-265	121	24	the	the	DET
ajeer-265	121	25	authors	author	NOUN
ajeer-265	121	26	;	;	PUNCT
ajeer-265	121	27	licensee	licensee	PROPN
ajeer-265	121	28	asian	asian	ADJ
ajeer-265	121	29	online	online	PROPN
ajeer-265	121	30	journal	journal	PROPN
ajeer-265	121	31	publishing	publishing	PROPN
ajeer-265	121	32	group	group	NOUN
ajeer-265	121	33	model	model	NOUN
ajeer-265	121	34	assumes	assume	VERB
ajeer-265	121	35	that	that	SCONJ
ajeer-265	121	36	α	α	PRON
ajeer-265	121	37	varies	vary	VERB
ajeer-265	121	38	but	but	CCONJ
ajeer-265	121	39	fixed	fix	VERB
ajeer-265	121	40	over	over	ADP
ajeer-265	121	41	time	time	NOUN
ajeer-265	121	42	.	.	PUNCT
ajeer-265	122	1	the	the	DET
ajeer-265	122	2	basic	basic	ADJ
ajeer-265	122	3	idea	idea	NOUN
ajeer-265	122	4	of	of	ADP
ajeer-265	122	5	fe	fe	NOUN
ajeer-265	122	6	model	model	NOUN
ajeer-265	122	7	is	be	AUX
ajeer-265	122	8	that	that	SCONJ
ajeer-265	122	9	a	a	DET
ajeer-265	122	10	set	set	NOUN
ajeer-265	122	11	of	of	ADP
ajeer-265	122	12	αit	αit	NOUN
ajeer-265	122	13	can	can	AUX
ajeer-265	122	14	capture	capture	VERB
ajeer-265	122	15	all	all	DET
ajeer-265	122	16	the	the	DET
ajeer-265	122	17	unobserved	unobserved	ADJ
ajeer-265	122	18	heterogeneity	heterogeneity	NOUN
ajeer-265	122	19	.	.	PUNCT
ajeer-265	123	1	to	to	PART
ajeer-265	123	2	check	check	VERB
ajeer-265	123	3	for	for	ADP
ajeer-265	123	4	the	the	DET
ajeer-265	123	5	homogeneity	homogeneity	NOUN
ajeer-265	123	6	or	or	CCONJ
ajeer-265	123	7	heterogeneity	heterogeneity	NOUN
ajeer-265	123	8	of	of	ADP
ajeer-265	123	9	the	the	DET
ajeer-265	123	10	dataset	dataset	NOUN
ajeer-265	123	11	,	,	PUNCT
ajeer-265	123	12	breusch	breusch	ADJ
ajeer-265	123	13	-	-	PUNCT
ajeer-265	123	14	pagan	pagan	ADJ
ajeer-265	123	15	lagrange	lagrange	PROPN
ajeer-265	123	16	multiplier	multipli	ADJ
ajeer-265	123	17	test	test	NOUN
ajeer-265	123	18	was	be	AUX
ajeer-265	123	19	employed	employ	VERB
ajeer-265	123	20	.	.	PUNCT
ajeer-265	124	1	the	the	DET
ajeer-265	124	2	null	null	ADJ
ajeer-265	124	3	hypothesis	hypothesis	NOUN
ajeer-265	124	4	(	(	PUNCT
ajeer-265	124	5	ho	ho	PROPN
ajeer-265	124	6	)	)	PUNCT
ajeer-265	124	7	of	of	ADP
ajeer-265	124	8	the	the	DET
ajeer-265	124	9	test	test	NOUN
ajeer-265	124	10	is	be	AUX
ajeer-265	124	11	homoskedasticity	homoskedasticity	NOUN
ajeer-265	124	12	of	of	ADP
ajeer-265	124	13	countries	country	NOUN
ajeer-265	124	14	in	in	ADP
ajeer-265	124	15	africa	africa	PROPN
ajeer-265	124	16	,	,	PUNCT
ajeer-265	124	17	that	that	ADV
ajeer-265	124	18	is	is	ADV
ajeer-265	124	19	,	,	PUNCT
ajeer-265	124	20	pol	pol	PROPN
ajeer-265	124	21	might	might	AUX
ajeer-265	124	22	be	be	AUX
ajeer-265	124	23	the	the	DET
ajeer-265	124	24	appropriate	appropriate	ADJ
ajeer-265	124	25	model	model	NOUN
ajeer-265	124	26	.	.	PUNCT
ajeer-265	125	1	notably	notably	ADV
ajeer-265	125	2	,	,	PUNCT
ajeer-265	125	3	because	because	SCONJ
ajeer-265	125	4	of	of	ADP
ajeer-265	125	5	the	the	DET
ajeer-265	125	6	potential	potential	NOUN
ajeer-265	125	7	of	of	ADP
ajeer-265	125	8	inconsistency	inconsistency	NOUN
ajeer-265	125	9	of	of	ADP
ajeer-265	125	10	pooled	pool	VERB
ajeer-265	125	11	regression	regression	NOUN
ajeer-265	125	12	for	for	ADP
ajeer-265	125	13	large	large	ADJ
ajeer-265	125	14	observation	observation	NOUN
ajeer-265	125	15	bias	bias	NOUN
ajeer-265	125	16	,	,	PUNCT
ajeer-265	125	17	the	the	DET
ajeer-265	125	18	study	study	NOUN
ajeer-265	125	19	used	use	VERB
ajeer-265	125	20	the	the	DET
ajeer-265	125	21	bias	bias	NOUN
ajeer-265	125	22	-	-	PUNCT
ajeer-265	125	23	adjusted	adjust	VERB
ajeer-265	125	24	variant	variant	NOUN
ajeer-265	125	25	of	of	ADP
ajeer-265	125	26	breusch	breusch	NOUN
ajeer-265	125	27	and	and	CCONJ
ajeer-265	125	28	pagan	pagan	VERB
ajeer-265	125	29	lagrange	lagrange	PROPN
ajeer-265	125	30	multiplier	multiplier	ADV
ajeer-265	125	31	(	(	PUNCT
ajeer-265	125	32	lm	lm	INTJ
ajeer-265	125	33	)	)	PUNCT
ajeer-265	125	34	test	test	NOUN
ajeer-265	125	35	statistic	statistic	NOUN
ajeer-265	125	36	(	(	PUNCT
ajeer-265	125	37	balm	balm	PROPN
ajeer-265	125	38	)	)	PUNCT
ajeer-265	125	39	proposed	propose	VERB
ajeer-265	125	40	by	by	ADP
ajeer-265	125	41	pesaran	pesaran	PROPN
ajeer-265	125	42	et	et	PROPN
ajeer-265	125	43	al	al	PROPN
ajeer-265	125	44	.	.	PROPN
ajeer-265	126	1	(	(	PUNCT
ajeer-265	126	2	1999	1999	NUM
ajeer-265	126	3	)	)	PUNCT
ajeer-265	126	4	.	.	PUNCT
ajeer-265	127	1	they	they	PRON
ajeer-265	127	2	showed	show	VERB
ajeer-265	127	3	that	that	SCONJ
ajeer-265	127	4	the	the	DET
ajeer-265	127	5	balm	balm	NOUN
ajeer-265	127	6	test	test	NOUN
ajeer-265	127	7	has	have	VERB
ajeer-265	127	8	desirable	desirable	ADJ
ajeer-265	127	9	finite	finite	ADJ
ajeer-265	127	10	sample	sample	NOUN
ajeer-265	127	11	properties	property	NOUN
ajeer-265	127	12	,	,	PUNCT
ajeer-265	127	13	successfully	successfully	ADV
ajeer-265	127	14	control	control	VERB
ajeer-265	127	15	for	for	ADP
ajeer-265	127	16	size	size	NOUN
ajeer-265	127	17	and	and	CCONJ
ajeer-265	127	18	maintains	maintain	VERB
ajeer-265	127	19	appropriate	appropriate	ADJ
ajeer-265	127	20	power	power	NOUN
ajeer-265	127	21	when	when	SCONJ
ajeer-265	127	22	the	the	DET
ajeer-265	127	23	repressors	repressor	NOUN
ajeer-265	127	24	are	be	AUX
ajeer-265	127	25	exogenous	exogenous	ADJ
ajeer-265	127	26	and	and	CCONJ
ajeer-265	127	27	errors	error	NOUN
ajeer-265	127	28	are	be	AUX
ajeer-265	127	29	normal	normal	ADJ
ajeer-265	127	30	.	.	PUNCT
ajeer-265	128	1	however	however	ADV
ajeer-265	128	2	,	,	PUNCT
ajeer-265	128	3	the	the	DET
ajeer-265	128	4	balm	balm	PROPN
ajeer-265	128	5	test	test	NOUN
ajeer-265	128	6	statistic	statistic	NOUN
ajeer-265	128	7	is	be	AUX
ajeer-265	128	8	only	only	ADV
ajeer-265	128	9	valid	valid	ADJ
ajeer-265	128	10	for	for	ADP
ajeer-265	128	11	static	static	ADJ
ajeer-265	128	12	models	model	NOUN
ajeer-265	128	13	unlike	unlike	ADP
ajeer-265	128	14	pesaran	pesaran	PROPN
ajeer-265	128	15	et	et	PROPN
ajeer-265	128	16	al	al	PROPN
ajeer-265	128	17	.	.	PROPN
ajeer-265	129	1	(	(	PUNCT
ajeer-265	129	2	1999	1999	NUM
ajeer-265	129	3	)	)	PUNCT
ajeer-265	129	4	test	test	NOUN
ajeer-265	129	5	statistic	statistic	NOUN
ajeer-265	129	6	that	that	PRON
ajeer-265	129	7	extends	extend	VERB
ajeer-265	129	8	to	to	ADP
ajeer-265	129	9	dynamic	dynamic	ADJ
ajeer-265	129	10	models	model	NOUN
ajeer-265	129	11	.	.	PUNCT
ajeer-265	130	1	3.4	3.4	NUM
ajeer-265	130	2	.	.	PUNCT
ajeer-265	130	3	data	datum	NOUN
ajeer-265	130	4	for	for	ADP
ajeer-265	130	5	the	the	DET
ajeer-265	130	6	study	study	NOUN
ajeer-265	130	7	the	the	DET
ajeer-265	130	8	sources	source	NOUN
ajeer-265	130	9	of	of	ADP
ajeer-265	130	10	data	datum	NOUN
ajeer-265	130	11	for	for	ADP
ajeer-265	130	12	this	this	DET
ajeer-265	130	13	study	study	NOUN
ajeer-265	130	14	are	be	AUX
ajeer-265	130	15	annual	annual	ADJ
ajeer-265	130	16	data	datum	NOUN
ajeer-265	130	17	from	from	ADP
ajeer-265	130	18	wb	wb	PROPN
ajeer-265	130	19	(	(	PUNCT
ajeer-265	130	20	2018	2018	NUM
ajeer-265	130	21	)	)	PUNCT
ajeer-265	130	22	for	for	ADP
ajeer-265	130	23	the	the	DET
ajeer-265	130	24	period	period	NOUN
ajeer-265	130	25	of	of	ADP
ajeer-265	130	26	2004	2004	NUM
ajeer-265	130	27	to	to	ADP
ajeer-265	130	28	2016	2016	NUM
ajeer-265	130	29	.	.	PUNCT
ajeer-265	131	1	the	the	DET
ajeer-265	131	2	study	study	NOUN
ajeer-265	131	3	considered	consider	VERB
ajeer-265	131	4	36	36	NUM
ajeer-265	131	5	african	african	ADJ
ajeer-265	131	6	countries	country	NOUN
ajeer-265	131	7	for	for	ADP
ajeer-265	131	8	which	which	PRON
ajeer-265	131	9	data	datum	NOUN
ajeer-265	131	10	on	on	ADP
ajeer-265	131	11	the	the	DET
ajeer-265	131	12	variables	variable	NOUN
ajeer-265	131	13	of	of	ADP
ajeer-265	131	14	interest	interest	NOUN
ajeer-265	131	15	were	be	AUX
ajeer-265	131	16	readily	readily	ADV
ajeer-265	131	17	available	available	ADJ
ajeer-265	131	18	.	.	PUNCT
ajeer-265	132	1	4	4	X
ajeer-265	132	2	.	.	NUM
ajeer-265	132	3	findings	finding	NOUN
ajeer-265	132	4	and	and	CCONJ
ajeer-265	132	5	discussions	discussion	NOUN
ajeer-265	132	6	of	of	ADP
ajeer-265	132	7	results	result	NOUN
ajeer-265	132	8	table	table	NOUN
ajeer-265	132	9	3	3	NUM
ajeer-265	132	10	shows	show	VERB
ajeer-265	132	11	some	some	DET
ajeer-265	132	12	descriptive	descriptive	ADJ
ajeer-265	132	13	statistics	statistic	NOUN
ajeer-265	132	14	on	on	ADP
ajeer-265	132	15	the	the	DET
ajeer-265	132	16	numbers	number	NOUN
ajeer-265	132	17	of	of	ADP
ajeer-265	132	18	depositors	depositor	NOUN
ajeer-265	132	19	with	with	ADP
ajeer-265	132	20	commercial	commercial	ADJ
ajeer-265	132	21	banks	bank	NOUN
ajeer-265	132	22	per	per	ADP
ajeer-265	132	23	1,000	1,000	NUM
ajeer-265	132	24	adults	adult	NOUN
ajeer-265	132	25	(	(	PUNCT
ajeer-265	132	26	ndcb	ndcb	NOUN
ajeer-265	132	27	)	)	PUNCT
ajeer-265	132	28	as	as	ADP
ajeer-265	132	29	proxy	proxy	NOUN
ajeer-265	132	30	for	for	ADP
ajeer-265	132	31	financial	financial	ADJ
ajeer-265	132	32	inclusion	inclusion	NOUN
ajeer-265	132	33	,	,	PUNCT
ajeer-265	132	34	average	average	ADJ
ajeer-265	132	35	life	life	NOUN
ajeer-265	132	36	expectancy	expectancy	NOUN
ajeer-265	132	37	at	at	ADP
ajeer-265	132	38	birth	birth	NOUN
ajeer-265	132	39	(	(	PUNCT
ajeer-265	132	40	total	total	NOUN
ajeer-265	132	41	)	)	PUNCT
ajeer-265	132	42	and	and	CCONJ
ajeer-265	132	43	annual	annual	ADJ
ajeer-265	132	44	gdp	gdp	NOUN
ajeer-265	132	45	growth	growth	NOUN
ajeer-265	132	46	(	(	PUNCT
ajeer-265	132	47	%	%	INTJ
ajeer-265	132	48	)	)	PUNCT
ajeer-265	132	49	of	of	ADP
ajeer-265	132	50	the	the	DET
ajeer-265	132	51	36	36	NUM
ajeer-265	132	52	african	african	ADJ
ajeer-265	132	53	countries	country	NOUN
ajeer-265	132	54	.	.	PUNCT
ajeer-265	133	1	the	the	DET
ajeer-265	133	2	average	average	ADJ
ajeer-265	133	3	numbers	number	NOUN
ajeer-265	133	4	of	of	ADP
ajeer-265	133	5	depositors	depositor	NOUN
ajeer-265	133	6	with	with	ADP
ajeer-265	133	7	commercial	commercial	ADJ
ajeer-265	133	8	banks	bank	NOUN
ajeer-265	133	9	is	be	AUX
ajeer-265	133	10	307,000	307,000	NUM
ajeer-265	133	11	adults	adult	NOUN
ajeer-265	133	12	;	;	PUNCT
ajeer-265	133	13	cabo	cabo	NOUN
ajeer-265	133	14	verde	verde	NOUN
ajeer-265	133	15	has	have	VERB
ajeer-265	133	16	the	the	DET
ajeer-265	133	17	highest	high	ADJ
ajeer-265	133	18	ndcb	ndcb	NOUN
ajeer-265	133	19	of	of	ADP
ajeer-265	133	20	1,860,000	1,860,000	NUM
ajeer-265	133	21	depositors	depositor	NOUN
ajeer-265	133	22	in	in	ADP
ajeer-265	133	23	2015	2015	NUM
ajeer-265	133	24	,	,	PUNCT
ajeer-265	133	25	while	while	SCONJ
ajeer-265	133	26	angola	angola	PROPN
ajeer-265	133	27	have	have	VERB
ajeer-265	133	28	the	the	DET
ajeer-265	133	29	lowest	low	ADJ
ajeer-265	133	30	ndcb	ndcb	NOUN
ajeer-265	133	31	of	of	ADP
ajeer-265	133	32	369	369	NUM
ajeer-265	133	33	depositors	depositor	NOUN
ajeer-265	133	34	in	in	ADP
ajeer-265	133	35	2004	2004	NUM
ajeer-265	133	36	among	among	ADP
ajeer-265	133	37	these	these	DET
ajeer-265	133	38	african	african	ADJ
ajeer-265	133	39	nations	nation	NOUN
ajeer-265	133	40	analyzed	analyze	VERB
ajeer-265	133	41	.	.	PUNCT
ajeer-265	134	1	statistics	statistic	NOUN
ajeer-265	134	2	on	on	ADP
ajeer-265	134	3	longevity	longevity	NOUN
ajeer-265	134	4	indicates	indicate	VERB
ajeer-265	134	5	that	that	SCONJ
ajeer-265	134	6	the	the	DET
ajeer-265	134	7	average	average	ADJ
ajeer-265	134	8	life	life	NOUN
ajeer-265	134	9	expectancy	expectancy	NOUN
ajeer-265	134	10	at	at	ADP
ajeer-265	134	11	birth	birth	NOUN
ajeer-265	134	12	is	be	AUX
ajeer-265	134	13	about	about	ADV
ajeer-265	134	14	60	60	NUM
ajeer-265	134	15	years	year	NOUN
ajeer-265	134	16	old	old	ADJ
ajeer-265	134	17	,	,	PUNCT
ajeer-265	134	18	where	where	SCONJ
ajeer-265	134	19	algeria	algeria	PROPN
ajeer-265	134	20	has	have	VERB
ajeer-265	134	21	the	the	DET
ajeer-265	134	22	highest	high	ADJ
ajeer-265	134	23	average	average	ADJ
ajeer-265	134	24	longevity	longevity	NOUN
ajeer-265	134	25	of	of	ADP
ajeer-265	134	26	76	76	NUM
ajeer-265	134	27	years	year	NOUN
ajeer-265	134	28	while	while	SCONJ
ajeer-265	134	29	zimbabwe	zimbabwe	NOUN
ajeer-265	134	30	has	have	VERB
ajeer-265	134	31	the	the	DET
ajeer-265	134	32	lowest	low	ADJ
ajeer-265	134	33	of	of	ADP
ajeer-265	134	34	44	44	NUM
ajeer-265	134	35	years	year	NOUN
ajeer-265	134	36	.	.	PUNCT
ajeer-265	135	1	table-3	table-3	NUM
ajeer-265	135	2	.	.	PUNCT
ajeer-265	136	1	descriptive	descriptive	ADJ
ajeer-265	136	2	statistics	statistic	NOUN
ajeer-265	136	3	of	of	ADP
ajeer-265	136	4	variables	variable	NOUN
ajeer-265	136	5	.	.	PUNCT
ajeer-265	137	1	variable	variable	ADJ
ajeer-265	137	2	observation	observation	NOUN
ajeer-265	137	3	mean	mean	VERB
ajeer-265	137	4	standard	standard	PROPN
ajeer-265	137	5	dev	dev	PROPN
ajeer-265	137	6	.	.	PUNCT
ajeer-265	138	1	min	min	PROPN
ajeer-265	138	2	.	.	PROPN
ajeer-265	138	3	max	max	PROPN
ajeer-265	138	4	.	.	PUNCT
ajeer-265	139	1	le	le	PROPN
ajeer-265	140	1	468	468	NUM
ajeer-265	140	2	59.86	59.86	NUM
ajeer-265	140	3	7.11	7.11	NUM
ajeer-265	140	4	44.57	44.57	NUM
ajeer-265	140	5	76.08	76.08	NUM
ajeer-265	140	6	fi	fi	NOUN
ajeer-265	140	7	468	468	NUM
ajeer-265	140	8	307.12	307.12	NUM
ajeer-265	140	9	367.53	367.53	NUM
ajeer-265	140	10	0.37	0.37	NUM
ajeer-265	140	11	1860.85	1860.85	NUM
ajeer-265	140	12	pg	pg	PROPN
ajeer-265	140	13	468	468	NUM
ajeer-265	140	14	2.50	2.50	NUM
ajeer-265	140	15	0.86	0.86	NUM
ajeer-265	140	16	-2.63	-2.63	NUM
ajeer-265	140	17	4.61	4.61	NUM
ajeer-265	140	18	source	source	NOUN
ajeer-265	140	19	:	:	PUNCT
ajeer-265	140	20	own	own	ADJ
ajeer-265	140	21	computation	computation	NOUN
ajeer-265	140	22	from	from	ADP
ajeer-265	140	23	stata	stata	NOUN
ajeer-265	140	24	13	13	NUM
ajeer-265	140	25	.	.	PUNCT
ajeer-265	141	1	on	on	ADP
ajeer-265	141	2	the	the	DET
ajeer-265	141	3	other	other	ADJ
ajeer-265	141	4	hand	hand	NOUN
ajeer-265	141	5	,	,	PUNCT
ajeer-265	141	6	the	the	DET
ajeer-265	141	7	correlation	correlation	NOUN
ajeer-265	141	8	matrix	matrix	NOUN
ajeer-265	141	9	table	table	NOUN
ajeer-265	141	10	presented	present	VERB
ajeer-265	141	11	in	in	ADP
ajeer-265	141	12	table	table	NOUN
ajeer-265	141	13	4	4	NUM
ajeer-265	141	14	reveal	reveal	VERB
ajeer-265	141	15	high	high	ADJ
ajeer-265	141	16	direct	direct	ADJ
ajeer-265	141	17	correlation	correlation	NOUN
ajeer-265	141	18	between	between	ADP
ajeer-265	141	19	numbers	number	NOUN
ajeer-265	141	20	of	of	ADP
ajeer-265	141	21	depositors	depositor	NOUN
ajeer-265	141	22	with	with	ADP
ajeer-265	141	23	commercial	commercial	ADJ
ajeer-265	141	24	banks	bank	NOUN
ajeer-265	141	25	(	(	PUNCT
ajeer-265	141	26	fi	fi	NOUN
ajeer-265	141	27	)	)	PUNCT
ajeer-265	141	28	and	and	CCONJ
ajeer-265	141	29	longevity	longevity	NOUN
ajeer-265	141	30	(	(	PUNCT
ajeer-265	141	31	le	le	NOUN
ajeer-265	141	32	)	)	PUNCT
ajeer-265	141	33	.	.	PUNCT
ajeer-265	142	1	however	however	ADV
ajeer-265	142	2	,	,	PUNCT
ajeer-265	142	3	inverse	inverse	ADJ
ajeer-265	142	4	relationship	relationship	NOUN
ajeer-265	142	5	exists	exist	VERB
ajeer-265	142	6	between	between	ADP
ajeer-265	142	7	population	population	NOUN
ajeer-265	142	8	growth	growth	NOUN
ajeer-265	142	9	rate	rate	NOUN
ajeer-265	142	10	(	(	PUNCT
ajeer-265	142	11	pgr	pgr	PROPN
ajeer-265	142	12	)	)	PUNCT
ajeer-265	142	13	and	and	CCONJ
ajeer-265	142	14	average	average	ADJ
ajeer-265	142	15	life	life	NOUN
ajeer-265	142	16	expectancy	expectancy	NOUN
ajeer-265	142	17	(	(	PUNCT
ajeer-265	142	18	le	le	X
ajeer-265	142	19	)	)	PUNCT
ajeer-265	142	20	.	.	PUNCT
ajeer-265	143	1	overall	overall	ADV
ajeer-265	143	2	,	,	PUNCT
ajeer-265	143	3	the	the	DET
ajeer-265	143	4	correlation	correlation	NOUN
ajeer-265	143	5	matrix	matrix	NOUN
ajeer-265	143	6	table	table	NOUN
ajeer-265	143	7	suggest	suggest	VERB
ajeer-265	143	8	that	that	SCONJ
ajeer-265	143	9	an	an	DET
ajeer-265	143	10	increase	increase	NOUN
ajeer-265	143	11	in	in	ADP
ajeer-265	143	12	the	the	DET
ajeer-265	143	13	numbers	number	NOUN
ajeer-265	143	14	of	of	ADP
ajeer-265	143	15	depositors	depositor	NOUN
ajeer-265	143	16	with	with	ADP
ajeer-265	143	17	commercial	commercial	ADJ
ajeer-265	143	18	banks	bank	NOUN
ajeer-265	143	19	(	(	PUNCT
ajeer-265	143	20	the	the	DET
ajeer-265	143	21	financial	financial	ADJ
ajeer-265	143	22	inclusion	inclusion	NOUN
ajeer-265	143	23	)	)	PUNCT
ajeer-265	143	24	is	be	AUX
ajeer-265	143	25	linked	link	VERB
ajeer-265	143	26	to	to	PART
ajeer-265	143	27	improve	improve	VERB
ajeer-265	143	28	average	average	ADJ
ajeer-265	143	29	life	life	NOUN
ajeer-265	143	30	expectancy	expectancy	NOUN
ajeer-265	143	31	in	in	ADP
ajeer-265	143	32	africa	africa	PROPN
ajeer-265	143	33	.	.	PUNCT
ajeer-265	144	1	table-4	table-4	PROPN
ajeer-265	144	2	.	.	PUNCT
ajeer-265	144	3	correlation	correlation	NOUN
ajeer-265	144	4	matrix	matrix	NOUN
ajeer-265	144	5	,	,	PUNCT
ajeer-265	144	6	1990	1990	NUM
ajeer-265	144	7	to	to	ADP
ajeer-265	144	8	2017	2017	NUM
ajeer-265	144	9	.	.	PUNCT
ajeer-265	145	1	le	le	PROPN
ajeer-265	145	2	fi	fi	PROPN
ajeer-265	146	1	pg	pg	X
ajeer-265	146	2	le	le	X
ajeer-265	146	3	1.0000	1.0000	NUM
ajeer-265	146	4	fi	fi	NOUN
ajeer-265	146	5	0.5624	0.5624	NUM
ajeer-265	146	6	1.0000	1.0000	NUM
ajeer-265	146	7	pg	pg	NOUN
ajeer-265	146	8	-0.3844	-0.3844	NOUN
ajeer-265	146	9	-0.5637	-0.5637	PROPN
ajeer-265	146	10	1.0000	1.0000	NUM
ajeer-265	146	11	source	source	NOUN
ajeer-265	146	12	:	:	PUNCT
ajeer-265	146	13	own	own	ADJ
ajeer-265	146	14	computation	computation	NOUN
ajeer-265	146	15	from	from	ADP
ajeer-265	146	16	stata	stata	PROPN
ajeer-265	146	17	13	13	NUM
ajeer-265	146	18	.	.	PUNCT
ajeer-265	146	19	table	table	NOUN
ajeer-265	146	20	5	5	NUM
ajeer-265	146	21	reports	report	VERB
ajeer-265	146	22	the	the	DET
ajeer-265	146	23	key	key	ADJ
ajeer-265	146	24	findings	finding	NOUN
ajeer-265	146	25	of	of	ADP
ajeer-265	146	26	the	the	DET
ajeer-265	146	27	panel	panel	NOUN
ajeer-265	146	28	regressions	regression	NOUN
ajeer-265	146	29	of	of	ADP
ajeer-265	146	30	life	life	NOUN
ajeer-265	146	31	expectancy	expectancy	NOUN
ajeer-265	146	32	(	(	PUNCT
ajeer-265	146	33	le	le	X
ajeer-265	146	34	)	)	PUNCT
ajeer-265	146	35	on	on	ADP
ajeer-265	146	36	the	the	DET
ajeer-265	146	37	financial	financial	ADJ
ajeer-265	146	38	inclusion	inclusion	NOUN
ajeer-265	146	39	(	(	PUNCT
ajeer-265	146	40	fi	fi	NOUN
ajeer-265	146	41	)	)	PUNCT
ajeer-265	146	42	.	.	PUNCT
ajeer-265	147	1	all	all	DET
ajeer-265	147	2	the	the	DET
ajeer-265	147	3	models	model	NOUN
ajeer-265	147	4	control	control	VERB
ajeer-265	147	5	for	for	ADP
ajeer-265	147	6	population	population	NOUN
ajeer-265	147	7	growth	growth	NOUN
ajeer-265	147	8	.	.	PUNCT
ajeer-265	148	1	for	for	ADP
ajeer-265	148	2	pooled	pool	VERB
ajeer-265	148	3	ols	ol	NOUN
ajeer-265	148	4	model	model	NOUN
ajeer-265	148	5	,	,	PUNCT
ajeer-265	148	6	the	the	DET
ajeer-265	148	7	fi	fi	NOUN
ajeer-265	148	8	has	have	VERB
ajeer-265	148	9	a	a	DET
ajeer-265	148	10	positive	positive	ADJ
ajeer-265	148	11	sign	sign	NOUN
ajeer-265	148	12	and	and	CCONJ
ajeer-265	148	13	statistically	statistically	ADV
ajeer-265	148	14	significant	significant	ADJ
ajeer-265	148	15	at	at	ADP
ajeer-265	148	16	1	1	NUM
ajeer-265	148	17	%	%	NOUN
ajeer-265	148	18	level	level	NOUN
ajeer-265	148	19	,	,	PUNCT
ajeer-265	148	20	suggesting	suggest	VERB
ajeer-265	148	21	that	that	SCONJ
ajeer-265	148	22	the	the	DET
ajeer-265	148	23	importance	importance	NOUN
ajeer-265	148	24	of	of	ADP
ajeer-265	148	25	fi	fi	NOUN
ajeer-265	148	26	on	on	X
ajeer-265	148	27	le	le	X
ajeer-265	148	28	is	be	AUX
ajeer-265	148	29	not	not	PART
ajeer-265	148	30	small	small	ADJ
ajeer-265	148	31	.	.	PUNCT
ajeer-265	149	1	population	population	NOUN
ajeer-265	149	2	growth	growth	NOUN
ajeer-265	149	3	rate	rate	NOUN
ajeer-265	149	4	(	(	PUNCT
ajeer-265	149	5	pg	pg	NOUN
ajeer-265	149	6	)	)	PUNCT
ajeer-265	149	7	,	,	PUNCT
ajeer-265	149	8	on	on	ADP
ajeer-265	149	9	the	the	DET
ajeer-265	149	10	other	other	ADJ
ajeer-265	149	11	hand	hand	NOUN
ajeer-265	149	12	,	,	PUNCT
ajeer-265	149	13	is	be	AUX
ajeer-265	149	14	also	also	ADV
ajeer-265	149	15	strongly	strongly	ADV
ajeer-265	149	16	but	but	CCONJ
ajeer-265	149	17	negatively	negatively	ADV
ajeer-265	149	18	associated	associate	VERB
ajeer-265	149	19	with	with	ADP
ajeer-265	149	20	longevity	longevity	NOUN
ajeer-265	149	21	.	.	PUNCT
ajeer-265	150	1	for	for	ADP
ajeer-265	150	2	example	example	NOUN
ajeer-265	150	3	,	,	PUNCT
ajeer-265	150	4	the	the	DET
ajeer-265	150	5	coefficient	coefficient	NOUN
ajeer-265	150	6	0.01	0.01	NUM
ajeer-265	150	7	suggests	suggest	VERB
ajeer-265	150	8	that	that	SCONJ
ajeer-265	150	9	a	a	DET
ajeer-265	150	10	1	1	NUM
ajeer-265	150	11	%	%	NOUN
ajeer-265	150	12	rise	rise	NOUN
ajeer-265	150	13	in	in	ADP
ajeer-265	150	14	population	population	NOUN
ajeer-265	150	15	growth	growth	NOUN
ajeer-265	150	16	in	in	ADP
ajeer-265	150	17	africa	africa	PROPN
ajeer-265	150	18	leads	lead	VERB
ajeer-265	150	19	to	to	ADP
ajeer-265	150	20	1	1	NUM
ajeer-265	150	21	%	%	NOUN
ajeer-265	150	22	decline	decline	NOUN
ajeer-265	150	23	in	in	ADP
ajeer-265	150	24	life	life	NOUN
ajeer-265	150	25	expectancy	expectancy	NOUN
ajeer-265	150	26	.	.	PUNCT
ajeer-265	151	1	for	for	ADP
ajeer-265	151	2	both	both	DET
ajeer-265	151	3	fixed	fix	VERB
ajeer-265	151	4	effect	effect	NOUN
ajeer-265	151	5	(	(	PUNCT
ajeer-265	151	6	fe	fe	NOUN
ajeer-265	151	7	)	)	PUNCT
ajeer-265	151	8	and	and	CCONJ
ajeer-265	151	9	random	random	ADJ
ajeer-265	151	10	effect	effect	NOUN
ajeer-265	151	11	(	(	PUNCT
ajeer-265	151	12	re	re	NOUN
ajeer-265	151	13	)	)	PUNCT
ajeer-265	151	14	models	model	NOUN
ajeer-265	151	15	,	,	PUNCT
ajeer-265	151	16	the	the	DET
ajeer-265	151	17	magnitude	magnitude	NOUN
ajeer-265	151	18	and	and	CCONJ
ajeer-265	151	19	significance	significance	NOUN
ajeer-265	151	20	of	of	ADP
ajeer-265	151	21	the	the	DET
ajeer-265	151	22	effects	effect	NOUN
ajeer-265	151	23	of	of	ADP
ajeer-265	151	24	financial	financial	ADJ
ajeer-265	151	25	inclusion	inclusion	NOUN
ajeer-265	151	26	on	on	ADP
ajeer-265	151	27	longevity	longevity	NOUN
ajeer-265	151	28	are	be	AUX
ajeer-265	151	29	also	also	ADV
ajeer-265	151	30	similar	similar	ADJ
ajeer-265	151	31	.	.	PUNCT
ajeer-265	152	1	the	the	DET
ajeer-265	152	2	coefficient	coefficient	NOUN
ajeer-265	152	3	0.006	0.006	NUM
ajeer-265	152	4	for	for	ADP
ajeer-265	152	5	life	life	NOUN
ajeer-265	152	6	expectancy	expectancy	NOUN
ajeer-265	152	7	(	(	PUNCT
ajeer-265	152	8	le	le	X
ajeer-265	152	9	)	)	PUNCT
ajeer-265	152	10	suggests	suggest	VERB
ajeer-265	152	11	that	that	SCONJ
ajeer-265	152	12	a	a	DET
ajeer-265	152	13	1	1	NUM
ajeer-265	152	14	%	%	NOUN
ajeer-265	152	15	rise	rise	NOUN
ajeer-265	152	16	in	in	ADP
ajeer-265	152	17	financial	financial	ADJ
ajeer-265	152	18	inclusion	inclusion	NOUN
ajeer-265	152	19	would	would	AUX
ajeer-265	152	20	increase	increase	VERB
ajeer-265	152	21	longevity	longevity	NOUN
ajeer-265	152	22	by	by	ADP
ajeer-265	152	23	0.6	0.6	NUM
ajeer-265	152	24	%	%	NOUN
ajeer-265	152	25	for	for	ADP
ajeer-265	152	26	fe	fe	NOUN
ajeer-265	152	27	model	model	NOUN
ajeer-265	152	28	;	;	PUNCT
ajeer-265	152	29	and	and	CCONJ
ajeer-265	152	30	1	1	NUM
ajeer-265	152	31	%	%	NOUN
ajeer-265	152	32	increase	increase	NOUN
ajeer-265	152	33	in	in	ADP
ajeer-265	152	34	numbers	number	NOUN
ajeer-265	152	35	of	of	ADP
ajeer-265	152	36	depositors	depositor	NOUN
ajeer-265	152	37	with	with	ADP
ajeer-265	152	38	commercial	commercial	ADJ
ajeer-265	152	39	banks	bank	NOUN
ajeer-265	152	40	(	(	PUNCT
ajeer-265	152	41	the	the	DET
ajeer-265	152	42	financial	financial	ADJ
ajeer-265	152	43	inclusion	inclusion	NOUN
ajeer-265	152	44	)	)	PUNCT
ajeer-265	152	45	related	relate	VERB
ajeer-265	152	46	with	with	ADP
ajeer-265	152	47	life	life	NOUN
ajeer-265	152	48	expectancy	expectancy	NOUN
ajeer-265	152	49	at	at	ADP
ajeer-265	152	50	1	1	NUM
ajeer-265	152	51	%	%	NOUN
ajeer-265	152	52	level	level	NOUN
ajeer-265	152	53	for	for	ADP
ajeer-265	152	54	re	re	NOUN
ajeer-265	152	55	model	model	NOUN
ajeer-265	152	56	.	.	PUNCT
ajeer-265	153	1	these	these	DET
ajeer-265	153	2	findings	finding	NOUN
ajeer-265	153	3	suggest	suggest	VERB
ajeer-265	153	4	the	the	DET
ajeer-265	153	5	need	need	NOUN
ajeer-265	153	6	to	to	PART
ajeer-265	153	7	test	test	VERB
ajeer-265	153	8	for	for	ADP
ajeer-265	153	9	heterogeneity	heterogeneity	NOUN
ajeer-265	153	10	among	among	ADP
ajeer-265	153	11	the	the	DET
ajeer-265	153	12	three	three	NUM
ajeer-265	153	13	models	model	NOUN
ajeer-265	153	14	–	–	PUNCT
ajeer-265	153	15	pols	pol	NOUN
ajeer-265	153	16	,	,	PUNCT
ajeer-265	153	17	fe	fe	X
ajeer-265	153	18	and	and	CCONJ
ajeer-265	153	19	re	re	NOUN
ajeer-265	153	20	models	model	NOUN
ajeer-265	153	21	.	.	PUNCT
ajeer-265	154	1	table-5	table-5	PROPN
ajeer-265	154	2	.	.	PUNCT
ajeer-265	154	3	estimation	estimation	NOUN
ajeer-265	154	4	results	result	NOUN
ajeer-265	154	5	for	for	ADP
ajeer-265	154	6	financial	financial	ADJ
ajeer-265	154	7	inclusion	inclusion	NOUN
ajeer-265	154	8	.	.	PUNCT
ajeer-265	155	1	variables	variable	NOUN
ajeer-265	155	2	pols	pol	NOUN
ajeer-265	155	3	fixed	fix	VERB
ajeer-265	155	4	effects	effect	NOUN
ajeer-265	155	5	random	random	ADJ
ajeer-265	155	6	effects	effect	NOUN
ajeer-265	155	7	financial	financial	ADJ
ajeer-265	155	8	inclusion	inclusion	NOUN
ajeer-265	155	9	0.0098	0.0098	NUM
ajeer-265	155	10	*	*	PUNCT
ajeer-265	155	11	*	*	PUNCT
ajeer-265	155	12	*	*	PUNCT
ajeer-265	155	13	(	(	PUNCT
ajeer-265	155	14	0.0009	0.0009	NUM
ajeer-265	155	15	)	)	PUNCT
ajeer-265	155	16	0.0063	0.0063	NUM
ajeer-265	155	17	*	*	PUNCT
ajeer-265	155	18	*	*	PUNCT
ajeer-265	155	19	*	*	PUNCT
ajeer-265	155	20	(	(	PUNCT
ajeer-265	155	21	0.0006	0.0006	NUM
ajeer-265	155	22	)	)	PUNCT
ajeer-265	155	23	0.0068	0.0068	NUM
ajeer-265	155	24	*	*	PUNCT
ajeer-265	155	25	*	*	PUNCT
ajeer-265	155	26	*	*	PUNCT
ajeer-265	155	27	(	(	PUNCT
ajeer-265	155	28	0.0006	0.0006	NUM
ajeer-265	155	29	)	)	PUNCT
ajeer-265	155	30	population	population	NOUN
ajeer-265	155	31	growth	growth	NOUN
ajeer-265	155	32	rate	rate	NOUN
ajeer-265	155	33	-0.8144	-0.8144	NOUN
ajeer-265	155	34	*	*	PUNCT
ajeer-265	156	1	*	*	PUNCT
ajeer-265	156	2	(	(	PUNCT
ajeer-265	156	3	0.3809	0.3809	NUM
ajeer-265	156	4	)	)	PUNCT
ajeer-265	156	5	1.3748	1.3748	NUM
ajeer-265	156	6	*	*	PUNCT
ajeer-265	156	7	*	*	PUNCT
ajeer-265	156	8	*	*	PUNCT
ajeer-265	156	9	(	(	PUNCT
ajeer-265	156	10	0.4011	0.4011	NUM
ajeer-265	156	11	)	)	PUNCT
ajeer-265	156	12	0.9702	0.9702	NUM
ajeer-265	156	13	*	*	PUNCT
ajeer-265	156	14	*	*	PUNCT
ajeer-265	156	15	*	*	PUNCT
ajeer-265	156	16	(	(	PUNCT
ajeer-265	156	17	0.3775	0.3775	NUM
ajeer-265	156	18	)	)	PUNCT
ajeer-265	156	19	constant	constant	ADJ
ajeer-265	156	20	58.89	58.89	NUM
ajeer-265	156	21	*	*	NOUN
ajeer-265	156	22	*	*	PUNCT
ajeer-265	156	23	*	*	PUNCT
ajeer-265	156	24	(	(	PUNCT
ajeer-265	156	25	1.1625	1.1625	NUM
ajeer-265	156	26	)	)	PUNCT
ajeer-265	156	27	54.49	54.49	NUM
ajeer-265	156	28	*	*	PUNCT
ajeer-265	156	29	*	*	PUNCT
ajeer-265	156	30	*	*	PUNCT
ajeer-265	156	31	(	(	PUNCT
ajeer-265	156	32	0.9911	0.9911	NUM
ajeer-265	156	33	)	)	PUNCT
ajeer-265	156	34	55.36	55.36	NUM
ajeer-265	156	35	*	*	PUNCT
ajeer-265	156	36	*	*	PUNCT
ajeer-265	156	37	*	*	PUNCT
ajeer-265	156	38	(	(	PUNCT
ajeer-265	156	39	1.3183	1.3183	NUM
ajeer-265	156	40	)	)	PUNCT
ajeer-265	156	41	observations	observation	NOUN
ajeer-265	156	42	468	468	NUM
ajeer-265	156	43	468	468	NUM
ajeer-265	156	44	468	468	NUM
ajeer-265	156	45	f	f	X
ajeer-265	156	46	-	-	PUNCT
ajeer-265	156	47	statistics	statistic	NOUN
ajeer-265	156	48	110.89	110.89	NUM
ajeer-265	156	49	63.57	63.57	NUM
ajeer-265	156	50	134.67	134.67	NUM
ajeer-265	156	51	probability	probability	NOUN
ajeer-265	156	52	0.0000	0.0000	NUM
ajeer-265	156	53	0.0000	0.0000	NUM
ajeer-265	156	54	0.0000	0.0000	NUM
ajeer-265	156	55	note	note	NOUN
ajeer-265	156	56	:	:	PUNCT
ajeer-265	156	57	*	*	PUNCT
ajeer-265	156	58	*	*	PUNCT
ajeer-265	156	59	*	*	PUNCT
ajeer-265	156	60	denotes	denote	NOUN
ajeer-265	156	61	significant	significant	ADJ
ajeer-265	156	62	at	at	ADP
ajeer-265	156	63	1	1	NUM
ajeer-265	156	64	%	%	NOUN
ajeer-265	156	65	level	level	NOUN
ajeer-265	156	66	and	and	CCONJ
ajeer-265	156	67	*	*	PUNCT
ajeer-265	156	68	*	*	NOUN
ajeer-265	156	69	indicate	indicate	VERB
ajeer-265	156	70	significant	significant	ADJ
ajeer-265	156	71	at	at	ADP
ajeer-265	156	72	5	5	NUM
ajeer-265	156	73	%	%	NOUN
ajeer-265	156	74	.	.	PUNCT
ajeer-265	157	1	standard	standard	ADJ
ajeer-265	157	2	errors	error	NOUN
ajeer-265	157	3	are	be	AUX
ajeer-265	157	4	reported	report	VERB
ajeer-265	157	5	in	in	ADP
ajeer-265	157	6	parentheses	parenthesis	NOUN
ajeer-265	157	7	.	.	PUNCT
ajeer-265	158	1	source	source	NOUN
ajeer-265	158	2	:	:	PUNCT
ajeer-265	158	3	author	author	NOUN
ajeer-265	158	4	’s	’s	PART
ajeer-265	158	5	compilation	compilation	NOUN
ajeer-265	158	6	from	from	ADP
ajeer-265	158	7	stata	stata	NOUN
ajeer-265	158	8	13	13	NUM
ajeer-265	158	9	.	.	PUNCT
ajeer-265	159	1	4.1	4.1	NUM
ajeer-265	159	2	.	.	PUNCT
ajeer-265	160	1	heterogeneity	heterogeneity	PROPN
ajeer-265	160	2	test	test	NOUN
ajeer-265	160	3	:	:	PUNCT
ajeer-265	160	4	breusch	breusch	ADJ
ajeer-265	160	5	-	-	PUNCT
ajeer-265	160	6	pagan	pagan	VERB
ajeer-265	160	7	lagrange	lagrange	NOUN
ajeer-265	160	8	multiplier	multiplier	ADV
ajeer-265	160	9	generally	generally	ADV
ajeer-265	160	10	,	,	PUNCT
ajeer-265	160	11	the	the	DET
ajeer-265	160	12	likelihood	likelihood	NOUN
ajeer-265	160	13	ratio	ratio	NOUN
ajeer-265	160	14	statistics	statistic	NOUN
ajeer-265	160	15	as	as	SCONJ
ajeer-265	160	16	indicated	indicate	VERB
ajeer-265	160	17	by	by	ADP
ajeer-265	160	18	f	f	PROPN
ajeer-265	160	19	-	-	PUNCT
ajeer-265	160	20	statistics	statistic	NOUN
ajeer-265	160	21	(	(	PUNCT
ajeer-265	160	22	110.9	110.9	NUM
ajeer-265	160	23	for	for	ADP
ajeer-265	160	24	pols	pol	NOUN
ajeer-265	160	25	,	,	PUNCT
ajeer-265	160	26	63.6	63.6	NUM
ajeer-265	160	27	for	for	ADP
ajeer-265	160	28	fe	fe	NOUN
ajeer-265	160	29	and	and	CCONJ
ajeer-265	160	30	134.7	134.7	NUM
ajeer-265	160	31	for	for	ADP
ajeer-265	160	32	re	re	NOUN
ajeer-265	160	33	)	)	PUNCT
ajeer-265	160	34	was	be	AUX
ajeer-265	160	35	highly	highly	ADV
ajeer-265	160	36	significant	significant	ADJ
ajeer-265	160	37	at	at	ADP
ajeer-265	160	38	probability	probability	NOUN
ajeer-265	160	39	(	(	PUNCT
ajeer-265	160	40	p	p	X
ajeer-265	160	41	<	<	X
ajeer-265	160	42	0.0000	0.0000	NUM
ajeer-265	160	43	)	)	PUNCT
ajeer-265	160	44	suggesting	suggest	VERB
ajeer-265	160	45	that	that	SCONJ
ajeer-265	160	46	all	all	DET
ajeer-265	160	47	models	model	NOUN
ajeer-265	160	48	have	have	VERB
ajeer-265	160	49	a	a	DET
ajeer-265	160	50	strong	strong	ADJ
ajeer-265	160	51	explaining	explain	VERB
ajeer-265	160	52	power	power	NOUN
ajeer-265	160	53	.	.	PUNCT
ajeer-265	161	1	asian	asian	ADJ
ajeer-265	161	2	journal	journal	PROPN
ajeer-265	161	3	of	of	ADP
ajeer-265	161	4	economics	economic	NOUN
ajeer-265	161	5	and	and	CCONJ
ajeer-265	161	6	empirical	empirical	ADJ
ajeer-265	161	7	research	research	NOUN
ajeer-265	161	8	,	,	PUNCT
ajeer-265	161	9	2019	2019	NUM
ajeer-265	161	10	,	,	PUNCT
ajeer-265	161	11	6(1	6(1	NUM
ajeer-265	161	12	):	):	PUNCT
ajeer-265	161	13	45	45	NUM
ajeer-265	161	14	-	-	SYM
ajeer-265	161	15	51	51	NUM
ajeer-265	161	16	50	50	NUM
ajeer-265	161	17	©	©	PROPN
ajeer-265	161	18	2019	2019	NUM
ajeer-265	161	19	by	by	ADP
ajeer-265	161	20	the	the	DET
ajeer-265	161	21	authors	author	NOUN
ajeer-265	161	22	;	;	PUNCT
ajeer-265	161	23	licensee	licensee	PROPN
ajeer-265	161	24	asian	asian	ADJ
ajeer-265	161	25	online	online	PROPN
ajeer-265	161	26	journal	journal	PROPN
ajeer-265	161	27	publishing	publishing	NOUN
ajeer-265	161	28	group	group	NOUN
ajeer-265	161	29	the	the	DET
ajeer-265	161	30	estimation	estimation	NOUN
ajeer-265	161	31	findings	finding	VERB
ajeer-265	161	32	as	as	SCONJ
ajeer-265	161	33	shown	show	VERB
ajeer-265	161	34	in	in	ADP
ajeer-265	161	35	table	table	NOUN
ajeer-265	161	36	5	5	NUM
ajeer-265	161	37	was	be	AUX
ajeer-265	161	38	based	base	VERB
ajeer-265	161	39	on	on	ADP
ajeer-265	161	40	three	three	NUM
ajeer-265	161	41	models	model	NOUN
ajeer-265	161	42	–	–	PUNCT
ajeer-265	161	43	pols	pol	NOUN
ajeer-265	161	44	,	,	PUNCT
ajeer-265	161	45	fe	fe	X
ajeer-265	161	46	and	and	CCONJ
ajeer-265	161	47	re	re	NOUN
ajeer-265	161	48	models	model	NOUN
ajeer-265	161	49	.	.	PUNCT
ajeer-265	162	1	the	the	DET
ajeer-265	162	2	pols	pols	PROPN
ajeer-265	162	3	model	model	NOUN
ajeer-265	162	4	assumed	assume	VERB
ajeer-265	162	5	that	that	SCONJ
ajeer-265	162	6	all	all	DET
ajeer-265	162	7	countries	country	NOUN
ajeer-265	162	8	in	in	ADP
ajeer-265	162	9	africa	africa	PROPN
ajeer-265	162	10	are	be	AUX
ajeer-265	162	11	the	the	DET
ajeer-265	162	12	same	same	ADJ
ajeer-265	162	13	;	;	PUNCT
ajeer-265	162	14	however	however	ADV
ajeer-265	162	15	,	,	PUNCT
ajeer-265	162	16	severe	severe	ADJ
ajeer-265	162	17	biases	bias	NOUN
ajeer-265	162	18	can	can	AUX
ajeer-265	162	19	arise	arise	VERB
ajeer-265	162	20	if	if	SCONJ
ajeer-265	162	21	households	household	NOUN
ajeer-265	162	22	are	be	AUX
ajeer-265	162	23	pooled	pool	VERB
ajeer-265	162	24	because	because	SCONJ
ajeer-265	162	25	it	it	PRON
ajeer-265	162	26	suggests	suggest	VERB
ajeer-265	162	27	that	that	SCONJ
ajeer-265	162	28	there	there	PRON
ajeer-265	162	29	are	be	VERB
ajeer-265	162	30	no	no	DET
ajeer-265	162	31	unique	unique	ADJ
ajeer-265	162	32	attributes	attribute	NOUN
ajeer-265	162	33	of	of	ADP
ajeer-265	162	34	individual	individual	ADJ
ajeer-265	162	35	nations	nation	NOUN
ajeer-265	162	36	within	within	ADP
ajeer-265	162	37	the	the	DET
ajeer-265	162	38	african	african	ADJ
ajeer-265	162	39	continent	continent	NOUN
ajeer-265	162	40	.	.	PUNCT
ajeer-265	163	1	such	such	ADJ
ajeer-265	163	2	assumption	assumption	NOUN
ajeer-265	163	3	is	be	AUX
ajeer-265	163	4	highly	highly	ADV
ajeer-265	163	5	restrictive	restrictive	ADJ
ajeer-265	163	6	in	in	ADP
ajeer-265	163	7	a	a	DET
ajeer-265	163	8	panel	panel	NOUN
ajeer-265	163	9	with	with	ADP
ajeer-265	163	10	heterogeneous	heterogeneous	ADJ
ajeer-265	163	11	countries	country	NOUN
ajeer-265	163	12	.	.	PUNCT
ajeer-265	164	1	hence	hence	ADV
ajeer-265	164	2	to	to	PART
ajeer-265	164	3	check	check	VERB
ajeer-265	164	4	the	the	DET
ajeer-265	164	5	homogeneity	homogeneity	NOUN
ajeer-265	164	6	or	or	CCONJ
ajeer-265	164	7	heterogeneity	heterogeneity	NOUN
ajeer-265	164	8	of	of	ADP
ajeer-265	164	9	the	the	DET
ajeer-265	164	10	nations	nation	NOUN
ajeer-265	164	11	in	in	ADP
ajeer-265	164	12	africa	africa	PROPN
ajeer-265	164	13	,	,	PUNCT
ajeer-265	164	14	breusch	breusch	PROPN
ajeer-265	164	15	-	-	PUNCT
ajeer-265	164	16	pagan	pagan	VERB
ajeer-265	164	17	lm	lm	INTJ
ajeer-265	164	18	test	test	NOUN
ajeer-265	164	19	was	be	AUX
ajeer-265	164	20	employed	employ	VERB
ajeer-265	164	21	following	follow	VERB
ajeer-265	164	22	the	the	DET
ajeer-265	164	23	study	study	NOUN
ajeer-265	164	24	of	of	ADP
ajeer-265	164	25	molla	molla	PROPN
ajeer-265	164	26	et	et	PROPN
ajeer-265	164	27	al	al	PROPN
ajeer-265	164	28	.	.	PROPN
ajeer-265	165	1	(	(	PUNCT
ajeer-265	165	2	2017	2017	NUM
ajeer-265	165	3	)	)	PUNCT
ajeer-265	165	4	.	.	PUNCT
ajeer-265	166	1	the	the	DET
ajeer-265	166	2	null	null	ADJ
ajeer-265	166	3	hypothesis	hypothesis	NOUN
ajeer-265	166	4	(	(	PUNCT
ajeer-265	166	5	ho	ho	PROPN
ajeer-265	166	6	)	)	PUNCT
ajeer-265	166	7	of	of	ADP
ajeer-265	166	8	the	the	DET
ajeer-265	166	9	test	test	NOUN
ajeer-265	166	10	is	be	AUX
ajeer-265	166	11	homoskedasticity	homoskedasticity	NOUN
ajeer-265	166	12	of	of	ADP
ajeer-265	166	13	nations	nation	NOUN
ajeer-265	166	14	in	in	ADP
ajeer-265	166	15	africa	africa	PROPN
ajeer-265	166	16	,	,	PUNCT
ajeer-265	166	17	that	that	ADV
ajeer-265	166	18	is	is	ADV
ajeer-265	166	19	,	,	PUNCT
ajeer-265	166	20	pol	pol	PROPN
ajeer-265	166	21	might	might	AUX
ajeer-265	166	22	be	be	AUX
ajeer-265	166	23	the	the	DET
ajeer-265	166	24	appropriate	appropriate	ADJ
ajeer-265	166	25	model	model	NOUN
ajeer-265	166	26	.	.	PUNCT
ajeer-265	167	1	table-6	table-6	PRON
ajeer-265	167	2	.	.	NOUN
ajeer-265	167	3	homogeneity	homogeneity	NOUN
ajeer-265	167	4	test	test	NOUN
ajeer-265	167	5	results	result	NOUN
ajeer-265	167	6	.	.	PUNCT
ajeer-265	168	1	estimated	estimate	VERB
ajeer-265	168	2	results	result	NOUN
ajeer-265	168	3	var	var	VERB
ajeer-265	168	4	sd	sd	NOUN
ajeer-265	168	5	=	=	PUNCT
ajeer-265	168	6	sqrt	sqrt	NOUN
ajeer-265	168	7	(	(	PUNCT
ajeer-265	168	8	var	var	NOUN
ajeer-265	168	9	)	)	PUNCT
ajeer-265	168	10	le	le	ADP
ajeer-265	168	11	50.53	50.53	NUM
ajeer-265	168	12	7.11	7.11	NUM
ajeer-265	168	13	e	e	NOUN
ajeer-265	168	14	6.05	6.05	NUM
ajeer-265	168	15	2.46	2.46	NUM
ajeer-265	168	16	u	u	NOUN
ajeer-265	168	17	29.9	29.9	NUM
ajeer-265	168	18	5.47	5.47	NUM
ajeer-265	168	19	prob	prob	NOUN
ajeer-265	168	20	.	.	PUNCT
ajeer-265	169	1	=	=	SYM
ajeer-265	169	2	0.0000	0.0000	NUM
ajeer-265	169	3	note	note	NOUN
ajeer-265	169	4	:	:	PUNCT
ajeer-265	169	5	since	since	SCONJ
ajeer-265	169	6	the	the	DET
ajeer-265	169	7	p	p	NOUN
ajeer-265	169	8	-	-	PUNCT
ajeer-265	169	9	value	value	NOUN
ajeer-265	169	10	of	of	ADP
ajeer-265	169	11	breusch	breusch	NOUN
ajeer-265	169	12	-	-	PUNCT
ajeer-265	169	13	pagan	pagan	VERB
ajeer-265	169	14	lm	lm	INTJ
ajeer-265	169	15	test	test	NOUN
ajeer-265	169	16	is	be	AUX
ajeer-265	169	17	very	very	ADV
ajeer-265	169	18	low	low	ADJ
ajeer-265	169	19	(	(	PUNCT
ajeer-265	169	20	for	for	ADP
ajeer-265	169	21	instance	instance	NOUN
ajeer-265	169	22	,	,	PUNCT
ajeer-265	169	23	<	<	NOUN
ajeer-265	169	24	0.001	0.001	NUM
ajeer-265	169	25	)	)	PUNCT
ajeer-265	169	26	,	,	PUNCT
ajeer-265	169	27	the	the	DET
ajeer-265	169	28	model	model	NOUN
ajeer-265	169	29	is	be	AUX
ajeer-265	169	30	heterogenous	heterogenous	ADJ
ajeer-265	169	31	.	.	PUNCT
ajeer-265	170	1	source	source	NOUN
ajeer-265	170	2	:	:	PUNCT
ajeer-265	170	3	researcher	researcher	NOUN
ajeer-265	170	4	’s	’s	PART
ajeer-265	170	5	computation	computation	NOUN
ajeer-265	170	6	using	use	VERB
ajeer-265	170	7	stata	stata	NOUN
ajeer-265	170	8	13	13	NUM
ajeer-265	170	9	.	.	PUNCT
ajeer-265	171	1	the	the	DET
ajeer-265	171	2	results	result	NOUN
ajeer-265	171	3	of	of	ADP
ajeer-265	171	4	breusch	breusch	NOUN
ajeer-265	171	5	-	-	PUNCT
ajeer-265	171	6	pagan	pagan	VERB
ajeer-265	171	7	lm	lm	INTJ
ajeer-265	171	8	tests	test	NOUN
ajeer-265	171	9	with	with	ADP
ajeer-265	171	10	the	the	DET
ajeer-265	171	11	p	p	NOUN
ajeer-265	171	12	-	-	PUNCT
ajeer-265	171	13	values	value	NOUN
ajeer-265	171	14	of	of	ADP
ajeer-265	171	15	0.0000	0.0000	NUM
ajeer-265	171	16	as	as	SCONJ
ajeer-265	171	17	shown	show	VERB
ajeer-265	171	18	in	in	ADP
ajeer-265	171	19	table	table	NOUN
ajeer-265	171	20	6	6	NUM
ajeer-265	171	21	was	be	AUX
ajeer-265	171	22	very	very	ADV
ajeer-265	171	23	low	low	ADJ
ajeer-265	171	24	as	as	SCONJ
ajeer-265	171	25	the	the	DET
ajeer-265	171	26	model	model	NOUN
ajeer-265	171	27	does	do	AUX
ajeer-265	171	28	not	not	PART
ajeer-265	171	29	suffer	suffer	VERB
ajeer-265	171	30	from	from	ADP
ajeer-265	171	31	heteroskedasticity	heteroskedasticity	NOUN
ajeer-265	171	32	.	.	PUNCT
ajeer-265	172	1	the	the	DET
ajeer-265	172	2	computed	compute	VERB
ajeer-265	172	3	value	value	NOUN
ajeer-265	172	4	of	of	ADP
ajeer-265	172	5	likelihood	likelihood	NOUN
ajeer-265	172	6	ratio	ratio	NOUN
ajeer-265	172	7	and	and	CCONJ
ajeer-265	172	8	wald	wald	NOUN
ajeer-265	172	9	tests	test	NOUN
ajeer-265	172	10	are	be	AUX
ajeer-265	172	11	1,809.7	1,809.7	NUM
ajeer-265	172	12	,	,	PUNCT
ajeer-265	172	13	this	this	PRON
ajeer-265	172	14	further	far	ADV
ajeer-265	172	15	demonstrated	demonstrate	VERB
ajeer-265	172	16	that	that	SCONJ
ajeer-265	172	17	the	the	DET
ajeer-265	172	18	model	model	NOUN
ajeer-265	172	19	is	be	AUX
ajeer-265	172	20	not	not	PART
ajeer-265	172	21	homogeneous	homogeneous	ADJ
ajeer-265	172	22	as	as	SCONJ
ajeer-265	172	23	ho	ho	PROPN
ajeer-265	172	24	assumed	assume	VERB
ajeer-265	172	25	.	.	PUNCT
ajeer-265	173	1	thus	thus	ADV
ajeer-265	173	2	,	,	PUNCT
ajeer-265	173	3	the	the	DET
ajeer-265	173	4	study	study	NOUN
ajeer-265	173	5	concluded	conclude	VERB
ajeer-265	173	6	that	that	SCONJ
ajeer-265	173	7	all	all	DET
ajeer-265	173	8	the	the	DET
ajeer-265	173	9	36	36	NUM
ajeer-265	173	10	countries	country	NOUN
ajeer-265	173	11	in	in	ADP
ajeer-265	173	12	africa	africa	PROPN
ajeer-265	173	13	were	be	AUX
ajeer-265	173	14	heterogeneous	heterogeneous	ADJ
ajeer-265	173	15	;	;	PUNCT
ajeer-265	173	16	that	that	PRON
ajeer-265	173	17	is	is	ADV
ajeer-265	173	18	,	,	PUNCT
ajeer-265	173	19	pol	pol	NOUN
ajeer-265	173	20	model	model	NOUN
ajeer-265	173	21	is	be	AUX
ajeer-265	173	22	insignificant	insignificant	ADJ
ajeer-265	173	23	to	to	PART
ajeer-265	173	24	explain	explain	VERB
ajeer-265	173	25	the	the	DET
ajeer-265	173	26	impact	impact	NOUN
ajeer-265	173	27	of	of	ADP
ajeer-265	173	28	financial	financial	ADJ
ajeer-265	173	29	inclusion	inclusion	NOUN
ajeer-265	173	30	on	on	ADP
ajeer-265	173	31	longevity	longevity	NOUN
ajeer-265	173	32	in	in	ADP
ajeer-265	173	33	africa	africa	PROPN
ajeer-265	173	34	.	.	PUNCT
ajeer-265	174	1	this	this	PRON
ajeer-265	174	2	was	be	AUX
ajeer-265	174	3	consistent	consistent	ADJ
ajeer-265	174	4	with	with	ADP
ajeer-265	174	5	the	the	DET
ajeer-265	174	6	studies	study	NOUN
ajeer-265	174	7	of	of	ADP
ajeer-265	174	8	novignon	novignon	PROPN
ajeer-265	174	9	et	et	PROPN
ajeer-265	174	10	al	al	PROPN
ajeer-265	174	11	.	.	PROPN
ajeer-265	175	1	(	(	PUNCT
ajeer-265	175	2	2015	2015	NUM
ajeer-265	175	3	)	)	PUNCT
ajeer-265	175	4	that	that	SCONJ
ajeer-265	175	5	nations	nation	NOUN
ajeer-265	175	6	in	in	ADP
ajeer-265	175	7	africa	africa	PROPN
ajeer-265	175	8	are	be	AUX
ajeer-265	175	9	not	not	PART
ajeer-265	175	10	the	the	DET
ajeer-265	175	11	same	same	ADJ
ajeer-265	175	12	.	.	PUNCT
ajeer-265	176	1	4.2	4.2	NUM
ajeer-265	176	2	.	.	PUNCT
ajeer-265	176	3	hausman	hausman	PROPN
ajeer-265	176	4	specification	specification	PROPN
ajeer-265	176	5	test	test	NOUN
ajeer-265	176	6	the	the	DET
ajeer-265	176	7	fe	fe	PROPN
ajeer-265	176	8	models	model	NOUN
ajeer-265	176	9	assumed	assume	VERB
ajeer-265	176	10	there	there	PRON
ajeer-265	176	11	are	be	VERB
ajeer-265	176	12	unique	unique	ADJ
ajeer-265	176	13	attributes	attribute	NOUN
ajeer-265	176	14	of	of	ADP
ajeer-265	176	15	individual	individual	ADJ
ajeer-265	176	16	nations	nation	NOUN
ajeer-265	176	17	in	in	ADP
ajeer-265	176	18	africa	africa	PROPN
ajeer-265	176	19	,	,	PUNCT
ajeer-265	176	20	thus	thus	ADV
ajeer-265	176	21	suggest	suggest	VERB
ajeer-265	176	22	the	the	DET
ajeer-265	176	23	use	use	NOUN
ajeer-265	176	24	of	of	ADP
ajeer-265	176	25	least	least	ADJ
ajeer-265	176	26	square	square	ADJ
ajeer-265	176	27	dummy	dummy	ADJ
ajeer-265	176	28	variable	variable	NOUN
ajeer-265	176	29	(	(	PUNCT
ajeer-265	176	30	lsdv	lsdv	PROPN
ajeer-265	176	31	)	)	PUNCT
ajeer-265	176	32	.	.	PUNCT
ajeer-265	177	1	re	re	PROPN
ajeer-265	177	2	model	model	PROPN
ajeer-265	177	3	assumed	assume	VERB
ajeer-265	177	4	there	there	PRON
ajeer-265	177	5	are	be	VERB
ajeer-265	177	6	unique	unique	ADJ
ajeer-265	177	7	time	time	NOUN
ajeer-265	177	8	constant	constant	ADJ
ajeer-265	177	9	attributes	attribute	NOUN
ajeer-265	177	10	of	of	ADP
ajeer-265	177	11	nations	nation	NOUN
ajeer-265	177	12	that	that	PRON
ajeer-265	177	13	are	be	AUX
ajeer-265	177	14	not	not	PART
ajeer-265	177	15	correlated	correlate	VERB
ajeer-265	177	16	.	.	PUNCT
ajeer-265	178	1	thus	thus	ADV
ajeer-265	178	2	,	,	PUNCT
ajeer-265	178	3	to	to	PART
ajeer-265	178	4	specify	specify	VERB
ajeer-265	178	5	the	the	DET
ajeer-265	178	6	appropriate	appropriate	ADJ
ajeer-265	178	7	model	model	NOUN
ajeer-265	178	8	between	between	ADP
ajeer-265	178	9	fe	fe	PROPN
ajeer-265	178	10	and	and	CCONJ
ajeer-265	178	11	re	re	PROPN
ajeer-265	178	12	,	,	PUNCT
ajeer-265	178	13	hausman	hausman	ADJ
ajeer-265	178	14	test	test	NOUN
ajeer-265	178	15	was	be	AUX
ajeer-265	178	16	applied	apply	VERB
ajeer-265	178	17	.	.	PUNCT
ajeer-265	179	1	the	the	DET
ajeer-265	179	2	null	null	ADJ
ajeer-265	179	3	hypotheses	hypothesis	NOUN
ajeer-265	179	4	(	(	PUNCT
ajeer-265	179	5	ho	ho	INTJ
ajeer-265	179	6	)	)	PUNCT
ajeer-265	179	7	for	for	ADP
ajeer-265	179	8	hausman	hausman	ADJ
ajeer-265	179	9	test	test	NOUN
ajeer-265	179	10	is	be	AUX
ajeer-265	179	11	that	that	SCONJ
ajeer-265	179	12	re	re	PROPN
ajeer-265	179	13	model	model	NOUN
ajeer-265	179	14	is	be	AUX
ajeer-265	179	15	appropriate	appropriate	ADJ
ajeer-265	179	16	and	and	CCONJ
ajeer-265	179	17	consistent	consistent	ADJ
ajeer-265	179	18	when	when	SCONJ
ajeer-265	179	19	the	the	DET
ajeer-265	179	20	p	p	NOUN
ajeer-265	179	21	-	-	PUNCT
ajeer-265	179	22	value	value	NOUN
ajeer-265	179	23	is	be	AUX
ajeer-265	179	24	high	high	ADJ
ajeer-265	179	25	,	,	PUNCT
ajeer-265	179	26	against	against	ADP
ajeer-265	179	27	the	the	DET
ajeer-265	179	28	alternate	alternate	NOUN
ajeer-265	179	29	(	(	PUNCT
ajeer-265	179	30	h	h	NOUN
ajeer-265	179	31	1	1	NUM
ajeer-265	179	32	)	)	PUNCT
ajeer-265	179	33	of	of	ADP
ajeer-265	179	34	fe	fe	NOUN
ajeer-265	179	35	model	model	NOUN
ajeer-265	179	36	is	be	AUX
ajeer-265	179	37	consistent	consistent	ADJ
ajeer-265	179	38	when	when	SCONJ
ajeer-265	179	39	p	p	NOUN
ajeer-265	179	40	-	-	PUNCT
ajeer-265	179	41	value	value	NOUN
ajeer-265	179	42	is	be	AUX
ajeer-265	179	43	close	close	ADJ
ajeer-265	179	44	to	to	ADP
ajeer-265	179	45	zero	zero	NUM
ajeer-265	179	46	.	.	PUNCT
ajeer-265	180	1	from	from	ADP
ajeer-265	180	2	the	the	DET
ajeer-265	180	3	table	table	NOUN
ajeer-265	180	4	7	7	NUM
ajeer-265	180	5	,	,	PUNCT
ajeer-265	180	6	since	since	SCONJ
ajeer-265	180	7	the	the	DET
ajeer-265	180	8	pvalue	pvalue	NOUN
ajeer-265	180	9	of	of	ADP
ajeer-265	180	10	the	the	DET
ajeer-265	180	11	hausman	hausman	ADJ
ajeer-265	180	12	test	test	NOUN
ajeer-265	180	13	is	be	AUX
ajeer-265	180	14	as	as	ADV
ajeer-265	180	15	low	low	ADJ
ajeer-265	180	16	as	as	ADP
ajeer-265	180	17	0.0018	0.0018	NUM
ajeer-265	180	18	,	,	PUNCT
ajeer-265	180	19	the	the	DET
ajeer-265	180	20	study	study	NOUN
ajeer-265	180	21	assumed	assume	VERB
ajeer-265	180	22	fe	fe	PROPN
ajeer-265	180	23	model	model	NOUN
ajeer-265	180	24	is	be	AUX
ajeer-265	180	25	more	more	ADV
ajeer-265	180	26	consistent	consistent	ADJ
ajeer-265	180	27	and	and	CCONJ
ajeer-265	180	28	appropriate	appropriate	ADJ
ajeer-265	180	29	.	.	PUNCT
ajeer-265	181	1	table-7	table-7	NUM
ajeer-265	181	2	.	.	PUNCT
ajeer-265	181	3	hausman	hausman	PROPN
ajeer-265	181	4	test	test	NOUN
ajeer-265	181	5	results	result	NOUN
ajeer-265	181	6	.	.	PUNCT
ajeer-265	182	1	chi	chi	ADJ
ajeer-265	182	2	-	-	PUNCT
ajeer-265	182	3	squared	square	VERB
ajeer-265	182	4	12.68	12.68	NUM
ajeer-265	182	5	prob	prob	NOUN
ajeer-265	182	6	0.0018	0.0018	NUM
ajeer-265	182	7	source	source	NOUN
ajeer-265	182	8	:	:	PUNCT
ajeer-265	182	9	researcher	researcher	NOUN
ajeer-265	182	10	’s	’s	PART
ajeer-265	182	11	preparation	preparation	NOUN
ajeer-265	182	12	.	.	PUNCT
ajeer-265	183	1	4.3	4.3	NUM
ajeer-265	183	2	.	.	PUNCT
ajeer-265	184	1	robustness	robustness	NOUN
ajeer-265	184	2	checks	check	NOUN
ajeer-265	184	3	the	the	DET
ajeer-265	184	4	study	study	NOUN
ajeer-265	184	5	checked	check	VERB
ajeer-265	184	6	if	if	SCONJ
ajeer-265	184	7	the	the	DET
ajeer-265	184	8	results	result	NOUN
ajeer-265	184	9	were	be	AUX
ajeer-265	184	10	sensitive	sensitive	ADJ
ajeer-265	184	11	to	to	ADP
ajeer-265	184	12	exclusion	exclusion	NOUN
ajeer-265	184	13	of	of	ADP
ajeer-265	184	14	single	single	ADJ
ajeer-265	184	15	countries	country	NOUN
ajeer-265	184	16	.	.	PUNCT
ajeer-265	185	1	the	the	DET
ajeer-265	185	2	findings	finding	NOUN
ajeer-265	185	3	were	be	AUX
ajeer-265	185	4	robust	robust	ADJ
ajeer-265	185	5	against	against	ADP
ajeer-265	185	6	this	this	DET
ajeer-265	185	7	check	check	NOUN
ajeer-265	185	8	.	.	PUNCT
ajeer-265	186	1	similarly	similarly	ADV
ajeer-265	186	2	,	,	PUNCT
ajeer-265	186	3	the	the	DET
ajeer-265	186	4	paper	paper	NOUN
ajeer-265	186	5	estimated	estimate	VERB
ajeer-265	186	6	the	the	DET
ajeer-265	186	7	models	model	NOUN
ajeer-265	186	8	with	with	ADP
ajeer-265	186	9	financial	financial	ADJ
ajeer-265	186	10	inclusion	inclusion	NOUN
ajeer-265	186	11	lagged	lag	VERB
ajeer-265	186	12	by	by	ADP
ajeer-265	186	13	one	one	NUM
ajeer-265	186	14	-	-	PUNCT
ajeer-265	186	15	year	year	NOUN
ajeer-265	186	16	.	.	PUNCT
ajeer-265	187	1	the	the	DET
ajeer-265	187	2	findings	finding	NOUN
ajeer-265	187	3	did	do	AUX
ajeer-265	187	4	not	not	PART
ajeer-265	187	5	change	change	VERB
ajeer-265	187	6	in	in	ADP
ajeer-265	187	7	any	any	DET
ajeer-265	187	8	significant	significant	ADJ
ajeer-265	187	9	manner	manner	NOUN
ajeer-265	187	10	.	.	PUNCT
ajeer-265	188	1	4.4	4.4	NUM
ajeer-265	188	2	.	.	PUNCT
ajeer-265	189	1	discussion	discussion	NOUN
ajeer-265	189	2	of	of	ADP
ajeer-265	189	3	findings	finding	NOUN
ajeer-265	189	4	several	several	ADJ
ajeer-265	189	5	evidence	evidence	NOUN
ajeer-265	189	6	has	have	AUX
ajeer-265	189	7	revealed	reveal	VERB
ajeer-265	189	8	that	that	SCONJ
ajeer-265	189	9	african	african	ADJ
ajeer-265	189	10	countries	country	NOUN
ajeer-265	189	11	lagged	lag	VERB
ajeer-265	189	12	behind	behind	ADV
ajeer-265	189	13	in	in	ADP
ajeer-265	189	14	the	the	DET
ajeer-265	189	15	attainment	attainment	NOUN
ajeer-265	189	16	of	of	ADP
ajeer-265	189	17	health	health	NOUN
ajeer-265	189	18	-	-	PUNCT
ajeer-265	189	19	related	relate	VERB
ajeer-265	189	20	targets	target	NOUN
ajeer-265	189	21	of	of	ADP
ajeer-265	189	22	the	the	DET
ajeer-265	189	23	recent	recent	ADJ
ajeer-265	189	24	past	past	ADJ
ajeer-265	189	25	mdgs	mdgs	NOUN
ajeer-265	189	26	;	;	PUNCT
ajeer-265	189	27	perhaps	perhaps	ADV
ajeer-265	189	28	because	because	SCONJ
ajeer-265	189	29	most	most	ADJ
ajeer-265	189	30	africans	africans	PROPN
ajeer-265	189	31	depend	depend	VERB
ajeer-265	189	32	largely	largely	ADV
ajeer-265	189	33	on	on	ADP
ajeer-265	189	34	out	out	ADP
ajeer-265	189	35	-	-	PUNCT
ajeer-265	189	36	of	of	ADP
ajeer-265	189	37	-	-	PUNCT
ajeer-265	189	38	pocket	pocket	NOUN
ajeer-265	189	39	payments	payment	NOUN
ajeer-265	189	40	for	for	ADP
ajeer-265	189	41	medicalcare	medicalcare	NOUN
ajeer-265	189	42	services	service	NOUN
ajeer-265	189	43	during	during	ADP
ajeer-265	189	44	their	their	PRON
ajeer-265	189	45	health	health	NOUN
ajeer-265	189	46	shocks	shock	NOUN
ajeer-265	189	47	experiences	experience	NOUN
ajeer-265	189	48	.	.	PUNCT
ajeer-265	190	1	therefore	therefore	ADV
ajeer-265	190	2	,	,	PUNCT
ajeer-265	190	3	this	this	DET
ajeer-265	190	4	study	study	NOUN
ajeer-265	190	5	proposed	propose	VERB
ajeer-265	190	6	an	an	DET
ajeer-265	190	7	analytical	analytical	ADJ
ajeer-265	190	8	framework	framework	NOUN
ajeer-265	190	9	to	to	PART
ajeer-265	190	10	analyze	analyze	VERB
ajeer-265	190	11	how	how	SCONJ
ajeer-265	190	12	financial	financial	ADJ
ajeer-265	190	13	inclusion	inclusion	NOUN
ajeer-265	190	14	affects	affect	VERB
ajeer-265	190	15	longevity	longevity	NOUN
ajeer-265	190	16	in	in	ADP
ajeer-265	190	17	africa	africa	PROPN
ajeer-265	190	18	.	.	PUNCT
ajeer-265	191	1	the	the	DET
ajeer-265	191	2	main	main	ADJ
ajeer-265	191	3	conclusions	conclusion	NOUN
ajeer-265	191	4	drawn	draw	VERB
ajeer-265	191	5	from	from	ADP
ajeer-265	191	6	fixed	fix	VERB
ajeer-265	191	7	effects	effect	NOUN
ajeer-265	191	8	model	model	NOUN
ajeer-265	191	9	is	be	AUX
ajeer-265	191	10	that	that	SCONJ
ajeer-265	191	11	there	there	PRON
ajeer-265	191	12	is	be	VERB
ajeer-265	191	13	an	an	DET
ajeer-265	191	14	indication	indication	NOUN
ajeer-265	191	15	that	that	SCONJ
ajeer-265	191	16	numbers	number	NOUN
ajeer-265	191	17	of	of	ADP
ajeer-265	191	18	depositors	depositor	NOUN
ajeer-265	191	19	with	with	ADP
ajeer-265	191	20	commercial	commercial	ADJ
ajeer-265	191	21	banks	bank	NOUN
ajeer-265	191	22	(	(	PUNCT
ajeer-265	191	23	the	the	DET
ajeer-265	191	24	financial	financial	ADJ
ajeer-265	191	25	inclusion	inclusion	NOUN
ajeer-265	191	26	)	)	PUNCT
ajeer-265	191	27	directly	directly	ADV
ajeer-265	191	28	and	and	CCONJ
ajeer-265	191	29	significantly	significantly	ADV
ajeer-265	191	30	predicts	predict	VERB
ajeer-265	191	31	longevity	longevity	NOUN
ajeer-265	191	32	in	in	ADP
ajeer-265	191	33	africa	africa	PROPN
ajeer-265	191	34	.	.	PUNCT
ajeer-265	192	1	however	however	ADV
ajeer-265	192	2	,	,	PUNCT
ajeer-265	192	3	rise	rise	VERB
ajeer-265	192	4	in	in	ADP
ajeer-265	192	5	population	population	NOUN
ajeer-265	192	6	growth	growth	NOUN
ajeer-265	192	7	have	have	VERB
ajeer-265	192	8	a	a	DET
ajeer-265	192	9	significant	significant	ADJ
ajeer-265	192	10	role	role	NOUN
ajeer-265	192	11	to	to	PART
ajeer-265	192	12	reduce	reduce	VERB
ajeer-265	192	13	average	average	ADJ
ajeer-265	192	14	life	life	NOUN
ajeer-265	192	15	expectancy	expectancy	NOUN
ajeer-265	192	16	in	in	ADP
ajeer-265	192	17	africa	africa	PROPN
ajeer-265	192	18	.	.	PUNCT
ajeer-265	193	1	the	the	DET
ajeer-265	193	2	results	result	NOUN
ajeer-265	193	3	shed	shed	VERB
ajeer-265	193	4	new	new	ADJ
ajeer-265	193	5	light	light	NOUN
ajeer-265	193	6	on	on	ADP
ajeer-265	193	7	the	the	DET
ajeer-265	193	8	grossman	grossman	NOUN
ajeer-265	193	9	(	(	PUNCT
ajeer-265	193	10	1972	1972	NUM
ajeer-265	193	11	)	)	PUNCT
ajeer-265	193	12	argument	argument	NOUN
ajeer-265	193	13	that	that	SCONJ
ajeer-265	193	14	various	various	ADJ
ajeer-265	193	15	factors	factor	NOUN
ajeer-265	193	16	that	that	PRON
ajeer-265	193	17	determines	determine	VERB
ajeer-265	193	18	the	the	DET
ajeer-265	193	19	health	health	NOUN
ajeer-265	193	20	of	of	ADP
ajeer-265	193	21	citizens	citizen	NOUN
ajeer-265	193	22	.	.	PUNCT
ajeer-265	194	1	a	a	DET
ajeer-265	194	2	potential	potential	ADJ
ajeer-265	194	3	explanation	explanation	NOUN
ajeer-265	194	4	to	to	ADP
ajeer-265	194	5	the	the	DET
ajeer-265	194	6	study	study	NOUN
ajeer-265	194	7	’s	’s	PART
ajeer-265	194	8	findings	finding	NOUN
ajeer-265	194	9	is	be	AUX
ajeer-265	194	10	that	that	SCONJ
ajeer-265	194	11	the	the	DET
ajeer-265	194	12	paper	paper	NOUN
ajeer-265	194	13	’s	’s	PART
ajeer-265	194	14	findings	finding	NOUN
ajeer-265	194	15	differ	differ	VERB
ajeer-265	194	16	in	in	SCONJ
ajeer-265	194	17	that	that	SCONJ
ajeer-265	194	18	i	i	PRON
ajeer-265	194	19	focused	focus	VERB
ajeer-265	194	20	only	only	ADV
ajeer-265	194	21	on	on	ADP
ajeer-265	194	22	the	the	DET
ajeer-265	194	23	developing	develop	VERB
ajeer-265	194	24	countries	country	NOUN
ajeer-265	194	25	(	(	PUNCT
ajeer-265	194	26	africa	africa	PROPN
ajeer-265	194	27	)	)	PUNCT
ajeer-265	194	28	;	;	PUNCT
ajeer-265	194	29	and	and	CCONJ
ajeer-265	194	30	i	i	PRON
ajeer-265	194	31	use	use	VERB
ajeer-265	194	32	panel	panel	NOUN
ajeer-265	194	33	data	data	NOUN
ajeer-265	194	34	models	model	NOUN
ajeer-265	194	35	which	which	PRON
ajeer-265	194	36	allow	allow	VERB
ajeer-265	194	37	controlling	control	VERB
ajeer-265	194	38	for	for	ADP
ajeer-265	194	39	unobserved	unobserved	ADJ
ajeer-265	194	40	country	country	NOUN
ajeer-265	194	41	heterogeneity	heterogeneity	NOUN
ajeer-265	194	42	.	.	PUNCT
ajeer-265	195	1	the	the	DET
ajeer-265	195	2	findings	finding	NOUN
ajeer-265	195	3	on	on	ADP
ajeer-265	195	4	financial	financial	ADJ
ajeer-265	195	5	inclusion	inclusion	NOUN
ajeer-265	195	6	is	be	AUX
ajeer-265	195	7	consistent	consistent	ADJ
ajeer-265	195	8	with	with	ADP
ajeer-265	195	9	prior	prior	ADJ
ajeer-265	195	10	research	research	NOUN
ajeer-265	195	11	(	(	PUNCT
ajeer-265	195	12	dorfleitner	dorfleitner	NOUN
ajeer-265	195	13	and	and	CCONJ
ajeer-265	195	14	rößle	rößle	NOUN
ajeer-265	195	15	,	,	PUNCT
ajeer-265	195	16	2018	2018	NUM
ajeer-265	195	17	)	)	PUNCT
ajeer-265	195	18	.	.	PUNCT
ajeer-265	196	1	though	though	SCONJ
ajeer-265	196	2	the	the	DET
ajeer-265	196	3	mechanisms	mechanism	NOUN
ajeer-265	196	4	through	through	ADP
ajeer-265	196	5	which	which	PRON
ajeer-265	196	6	financial	financial	ADJ
ajeer-265	196	7	inclusion	inclusion	NOUN
ajeer-265	196	8	increases	increase	VERB
ajeer-265	196	9	longevity	longevity	NOUN
ajeer-265	196	10	might	might	AUX
ajeer-265	196	11	be	be	AUX
ajeer-265	196	12	through	through	ADP
ajeer-265	196	13	access	access	NOUN
ajeer-265	196	14	to	to	ADP
ajeer-265	196	15	financial	financial	ADJ
ajeer-265	196	16	resources	resource	NOUN
ajeer-265	196	17	and	and	CCONJ
ajeer-265	196	18	savings	saving	NOUN
ajeer-265	196	19	;	;	PUNCT
ajeer-265	196	20	however	however	ADV
ajeer-265	196	21	,	,	PUNCT
ajeer-265	196	22	financial	financial	ADJ
ajeer-265	196	23	inclusion	inclusion	NOUN
ajeer-265	196	24	is	be	AUX
ajeer-265	196	25	strongly	strongly	ADV
ajeer-265	196	26	linked	link	VERB
ajeer-265	196	27	to	to	ADP
ajeer-265	196	28	longevity	longevity	NOUN
ajeer-265	196	29	in	in	ADP
ajeer-265	196	30	africa	africa	PROPN
ajeer-265	196	31	.	.	PUNCT
ajeer-265	197	1	it	it	PRON
ajeer-265	197	2	is	be	AUX
ajeer-265	197	3	possible	possible	ADJ
ajeer-265	197	4	that	that	SCONJ
ajeer-265	197	5	societies	society	NOUN
ajeer-265	197	6	with	with	ADP
ajeer-265	197	7	inadequate	inadequate	ADJ
ajeer-265	197	8	financial	financial	ADJ
ajeer-265	197	9	inclusion	inclusion	NOUN
ajeer-265	197	10	might	might	AUX
ajeer-265	197	11	have	have	VERB
ajeer-265	197	12	to	to	PART
ajeer-265	197	13	struggle	struggle	VERB
ajeer-265	197	14	more	more	ADV
ajeer-265	197	15	in	in	ADP
ajeer-265	197	16	order	order	NOUN
ajeer-265	197	17	to	to	PART
ajeer-265	197	18	maintain	maintain	VERB
ajeer-265	197	19	their	their	PRON
ajeer-265	197	20	health	health	NOUN
ajeer-265	197	21	in	in	ADP
ajeer-265	197	22	periods	period	NOUN
ajeer-265	197	23	of	of	ADP
ajeer-265	197	24	health	health	NOUN
ajeer-265	197	25	shocks	shock	NOUN
ajeer-265	197	26	.	.	PUNCT
ajeer-265	198	1	5	5	X
ajeer-265	198	2	.	.	X
ajeer-265	198	3	conclusion	conclusion	NOUN
ajeer-265	198	4	,	,	PUNCT
ajeer-265	198	5	policy	policy	NOUN
ajeer-265	198	6	implications	implication	NOUN
ajeer-265	198	7	and	and	CCONJ
ajeer-265	198	8	recommendations	recommendation	NOUN
ajeer-265	198	9	the	the	DET
ajeer-265	198	10	findings	finding	NOUN
ajeer-265	198	11	of	of	ADP
ajeer-265	198	12	the	the	DET
ajeer-265	198	13	study	study	NOUN
ajeer-265	198	14	show	show	VERB
ajeer-265	198	15	that	that	SCONJ
ajeer-265	198	16	in	in	ADP
ajeer-265	198	17	developing	develop	VERB
ajeer-265	198	18	countries	country	NOUN
ajeer-265	198	19	especially	especially	ADV
ajeer-265	198	20	in	in	ADP
ajeer-265	198	21	africa	africa	PROPN
ajeer-265	198	22	,	,	PUNCT
ajeer-265	198	23	financial	financial	ADJ
ajeer-265	198	24	inclusion	inclusion	NOUN
ajeer-265	198	25	has	have	VERB
ajeer-265	198	26	an	an	DET
ajeer-265	198	27	important	important	ADJ
ajeer-265	198	28	effect	effect	NOUN
ajeer-265	198	29	on	on	ADP
ajeer-265	198	30	life	life	NOUN
ajeer-265	198	31	expectancy	expectancy	NOUN
ajeer-265	198	32	.	.	PUNCT
ajeer-265	199	1	given	give	VERB
ajeer-265	199	2	the	the	DET
ajeer-265	199	3	importance	importance	NOUN
ajeer-265	199	4	of	of	ADP
ajeer-265	199	5	longevity	longevity	NOUN
ajeer-265	199	6	on	on	ADP
ajeer-265	199	7	welfare	welfare	NOUN
ajeer-265	199	8	as	as	ADV
ajeer-265	199	9	well	well	ADV
ajeer-265	199	10	as	as	ADP
ajeer-265	199	11	sustainability	sustainability	NOUN
ajeer-265	199	12	of	of	ADP
ajeer-265	199	13	an	an	DET
ajeer-265	199	14	economy	economy	NOUN
ajeer-265	199	15	,	,	PUNCT
ajeer-265	199	16	financial	financial	ADJ
ajeer-265	199	17	inclusion	inclusion	NOUN
ajeer-265	199	18	associated	associate	VERB
ajeer-265	199	19	with	with	ADP
ajeer-265	199	20	african	african	PROPN
ajeer-265	199	21	’s	’s	PART
ajeer-265	199	22	citizens	citizen	NOUN
ajeer-265	199	23	inability	inability	NOUN
ajeer-265	199	24	to	to	PART
ajeer-265	199	25	access	access	VERB
ajeer-265	199	26	timely	timely	ADV
ajeer-265	199	27	and	and	CCONJ
ajeer-265	199	28	appropriate	appropriate	ADJ
ajeer-265	199	29	healthcare	healthcare	NOUN
ajeer-265	199	30	services	service	NOUN
ajeer-265	199	31	during	during	ADP
ajeer-265	199	32	the	the	DET
ajeer-265	199	33	periods	period	NOUN
ajeer-265	199	34	of	of	ADP
ajeer-265	199	35	health	health	NOUN
ajeer-265	199	36	shocks	shock	NOUN
ajeer-265	199	37	.	.	PUNCT
ajeer-265	200	1	notably	notably	ADV
ajeer-265	200	2	,	,	PUNCT
ajeer-265	200	3	all	all	DET
ajeer-265	200	4	citizens	citizen	NOUN
ajeer-265	200	5	that	that	PRON
ajeer-265	200	6	experience	experience	VERB
ajeer-265	200	7	health	health	NOUN
ajeer-265	200	8	shocks	shock	NOUN
ajeer-265	200	9	are	be	AUX
ajeer-265	200	10	frequently	frequently	ADV
ajeer-265	200	11	affected	affect	VERB
ajeer-265	200	12	by	by	ADP
ajeer-265	200	13	income	income	NOUN
ajeer-265	200	14	loss	loss	NOUN
ajeer-265	200	15	because	because	SCONJ
ajeer-265	200	16	of	of	ADP
ajeer-265	200	17	their	their	PRON
ajeer-265	200	18	inability	inability	NOUN
ajeer-265	200	19	to	to	PART
ajeer-265	200	20	work	work	VERB
ajeer-265	200	21	and	and	CCONJ
ajeer-265	200	22	needs	need	NOUN
ajeer-265	200	23	for	for	ADP
ajeer-265	200	24	medical	medical	ADJ
ajeer-265	200	25	-	-	PUNCT
ajeer-265	200	26	care	care	NOUN
ajeer-265	200	27	treatment	treatment	NOUN
ajeer-265	200	28	payments	payment	NOUN
ajeer-265	200	29	.	.	PUNCT
ajeer-265	201	1	for	for	ADP
ajeer-265	201	2	the	the	DET
ajeer-265	201	3	panel	panel	NOUN
ajeer-265	201	4	regression	regression	NOUN
ajeer-265	201	5	models	model	NOUN
ajeer-265	201	6	,	,	PUNCT
ajeer-265	201	7	financial	financial	ADJ
ajeer-265	201	8	inclusive	inclusive	NOUN
ajeer-265	201	9	improve	improve	VERB
ajeer-265	201	10	longevity	longevity	NOUN
ajeer-265	201	11	by	by	ADP
ajeer-265	201	12	0.06	0.06	NUM
ajeer-265	201	13	%	%	NOUN
ajeer-265	201	14	in	in	ADP
ajeer-265	201	15	africa	africa	PROPN
ajeer-265	201	16	.	.	PUNCT
ajeer-265	202	1	the	the	DET
ajeer-265	202	2	findings	finding	NOUN
ajeer-265	202	3	therefore	therefore	ADV
ajeer-265	202	4	suggest	suggest	VERB
ajeer-265	202	5	that	that	SCONJ
ajeer-265	202	6	for	for	SCONJ
ajeer-265	202	7	policy	policy	NOUN
ajeer-265	202	8	makers	maker	NOUN
ajeer-265	202	9	to	to	PART
ajeer-265	202	10	improve	improve	VERB
ajeer-265	202	11	longevity	longevity	NOUN
ajeer-265	202	12	in	in	ADP
ajeer-265	202	13	developing	develop	VERB
ajeer-265	202	14	countries	country	NOUN
ajeer-265	202	15	,	,	PUNCT
ajeer-265	202	16	policies	policy	NOUN
ajeer-265	202	17	should	should	AUX
ajeer-265	202	18	focus	focus	VERB
ajeer-265	202	19	on	on	ADP
ajeer-265	202	20	increasing	increase	VERB
ajeer-265	202	21	the	the	DET
ajeer-265	202	22	numbers	number	NOUN
ajeer-265	202	23	of	of	ADP
ajeer-265	202	24	depositors	depositor	NOUN
ajeer-265	202	25	(	(	PUNCT
ajeer-265	202	26	adults	adult	NOUN
ajeer-265	202	27	)	)	PUNCT
ajeer-265	202	28	with	with	ADP
ajeer-265	202	29	banks	bank	NOUN
ajeer-265	202	30	accounts	account	NOUN
ajeer-265	202	31	.	.	PUNCT
ajeer-265	203	1	further	further	ADJ
ajeer-265	203	2	studies	study	NOUN
ajeer-265	203	3	could	could	AUX
ajeer-265	203	4	also	also	ADV
ajeer-265	203	5	focus	focus	VERB
ajeer-265	203	6	on	on	ADP
ajeer-265	203	7	the	the	DET
ajeer-265	203	8	effects	effect	NOUN
ajeer-265	203	9	of	of	ADP
ajeer-265	203	10	internet	internet	NOUN
ajeer-265	203	11	in	in	ADP
ajeer-265	203	12	terms	term	NOUN
ajeer-265	203	13	of	of	ADP
ajeer-265	203	14	the	the	DET
ajeer-265	203	15	cost	cost	NOUN
ajeer-265	203	16	of	of	ADP
ajeer-265	203	17	transactions	transaction	NOUN
ajeer-265	203	18	,	,	PUNCT
ajeer-265	203	19	distance	distance	NOUN
ajeer-265	203	20	,	,	PUNCT
ajeer-265	203	21	and	and	CCONJ
ajeer-265	203	22	time	time	NOUN
ajeer-265	203	23	to	to	PART
ajeer-265	203	24	access	access	VERB
ajeer-265	203	25	financial	financial	ADJ
ajeer-265	203	26	activities	activity	NOUN
ajeer-265	203	27	via	via	ADP
ajeer-265	203	28	the	the	DET
ajeer-265	203	29	use	use	NOUN
ajeer-265	203	30	of	of	ADP
ajeer-265	203	31	mobile	mobile	NOUN
ajeer-265	203	32	and	and	CCONJ
ajeer-265	203	33	the	the	DET
ajeer-265	203	34	atm	atm	NOUN
ajeer-265	203	35	on	on	ADP
ajeer-265	203	36	health	health	NOUN
ajeer-265	203	37	in	in	ADP
ajeer-265	203	38	africa	africa	PROPN
ajeer-265	203	39	.	.	PUNCT
ajeer-265	204	1	this	this	PRON
ajeer-265	204	2	is	be	AUX
ajeer-265	204	3	suggested	suggest	VERB
ajeer-265	204	4	because	because	SCONJ
ajeer-265	204	5	,	,	PUNCT
ajeer-265	204	6	it	it	PRON
ajeer-265	204	7	has	have	VERB
ajeer-265	204	8	implication	implication	NOUN
ajeer-265	204	9	to	to	PART
ajeer-265	204	10	increase	increase	VERB
ajeer-265	204	11	the	the	DET
ajeer-265	204	12	capacities	capacity	NOUN
ajeer-265	204	13	of	of	ADP
ajeer-265	204	14	credit	credit	NOUN
ajeer-265	204	15	delivery	delivery	NOUN
ajeer-265	204	16	in	in	ADP
ajeer-265	204	17	remote	remote	ADJ
ajeer-265	204	18	areas	area	NOUN
ajeer-265	204	19	and	and	CCONJ
ajeer-265	204	20	to	to	PART
ajeer-265	204	21	access	access	VERB
ajeer-265	204	22	healthcare	healthcare	NOUN
ajeer-265	204	23	services	service	NOUN
ajeer-265	204	24	.	.	PUNCT
ajeer-265	205	1	asian	asian	ADJ
ajeer-265	205	2	journal	journal	PROPN
ajeer-265	205	3	of	of	ADP
ajeer-265	205	4	economics	economic	NOUN
ajeer-265	205	5	and	and	CCONJ
ajeer-265	205	6	empirical	empirical	ADJ
ajeer-265	205	7	research	research	NOUN
ajeer-265	205	8	,	,	PUNCT
ajeer-265	205	9	2019	2019	NUM
ajeer-265	205	10	,	,	PUNCT
ajeer-265	205	11	6(1	6(1	NUM
ajeer-265	205	12	):	):	PUNCT
ajeer-265	205	13	45	45	NUM
ajeer-265	205	14	-	-	SYM
ajeer-265	205	15	51	51	NUM
ajeer-265	205	16	51	51	NUM
ajeer-265	205	17	©	©	PROPN
ajeer-265	205	18	2019	2019	NUM
ajeer-265	205	19	by	by	ADP
ajeer-265	205	20	the	the	DET
ajeer-265	205	21	authors	author	NOUN
ajeer-265	205	22	;	;	PUNCT
ajeer-265	205	23	licensee	licensee	PROPN
ajeer-265	205	24	asian	asian	ADJ
ajeer-265	205	25	online	online	PROPN
ajeer-265	205	26	journal	journal	PROPN
ajeer-265	205	27	publishing	publishing	PROPN
ajeer-265	205	28	group	group	PROPN
ajeer-265	205	29	references	reference	NOUN
ajeer-265	205	30	alam	alam	PROPN
ajeer-265	205	31	,	,	PUNCT
ajeer-265	205	32	k.	k.	PROPN
ajeer-265	205	33	and	and	CCONJ
ajeer-265	205	34	a.	a.	PROPN
ajeer-265	205	35	mahal	mahal	PROPN
ajeer-265	205	36	,	,	PUNCT
ajeer-265	205	37	2014	2014	NUM
ajeer-265	205	38	.	.	PUNCT
ajeer-265	206	1	economic	economic	ADJ
ajeer-265	206	2	impacts	impact	NOUN
ajeer-265	206	3	of	of	ADP
ajeer-265	206	4	health	health	NOUN
ajeer-265	206	5	shocks	shock	NOUN
ajeer-265	206	6	on	on	ADP
ajeer-265	206	7	households	household	NOUN
ajeer-265	206	8	in	in	ADP
ajeer-265	206	9	low	low	ADJ
ajeer-265	206	10	and	and	CCONJ
ajeer-265	206	11	middle	middle	ADJ
ajeer-265	206	12	-	-	PUNCT
ajeer-265	206	13	income	income	NOUN
ajeer-265	206	14	countries	country	NOUN
ajeer-265	206	15	.	.	PUNCT
ajeer-265	207	1	a	a	DET
ajeer-265	207	2	review	review	NOUN
ajeer-265	207	3	of	of	ADP
ajeer-265	207	4	literature	literature	NOUN
ajeer-265	207	5	.	.	PUNCT
ajeer-265	208	1	globalization	globalization	NOUN
ajeer-265	208	2	and	and	CCONJ
ajeer-265	208	3	health	health	NOUN
ajeer-265	208	4	,	,	PUNCT
ajeer-265	208	5	10(21	10(21	NUM
ajeer-265	208	6	):	):	PUNCT
ajeer-265	208	7	1	1	NUM
ajeer-265	208	8	-	-	SYM
ajeer-265	208	9	18	18	NUM
ajeer-265	208	10	.	.	PUNCT
ajeer-265	209	1	dake	dake	PROPN
ajeer-265	209	2	,	,	PUNCT
ajeer-265	209	3	f.a	f.a	PROPN
ajeer-265	209	4	.	.	PROPN
ajeer-265	209	5	,	,	PUNCT
ajeer-265	209	6	2018	2018	NUM
ajeer-265	209	7	.	.	PUNCT
ajeer-265	210	1	examining	examine	VERB
ajeer-265	210	2	equity	equity	NOUN
ajeer-265	210	3	in	in	ADP
ajeer-265	210	4	health	health	NOUN
ajeer-265	210	5	insurance	insurance	NOUN
ajeer-265	210	6	coverage	coverage	NOUN
ajeer-265	210	7	:	:	PUNCT
ajeer-265	210	8	an	an	DET
ajeer-265	210	9	analysis	analysis	NOUN
ajeer-265	210	10	of	of	ADP
ajeer-265	210	11	ghana	ghana	PROPN
ajeer-265	210	12	’s	’s	PART
ajeer-265	210	13	national	national	PROPN
ajeer-265	210	14	health	health	PROPN
ajeer-265	210	15	insurance	insurance	NOUN
ajeer-265	210	16	scheme	scheme	NOUN
ajeer-265	210	17	.	.	PUNCT
ajeer-265	211	1	international	international	ADJ
ajeer-265	211	2	journal	journal	NOUN
ajeer-265	211	3	for	for	ADP
ajeer-265	211	4	equity	equity	NOUN
ajeer-265	211	5	in	in	ADP
ajeer-265	211	6	health	health	NOUN
ajeer-265	211	7	,	,	PUNCT
ajeer-265	211	8	17(1	17(1	NUM
ajeer-265	211	9	):	):	PUNCT
ajeer-265	211	10	1-10.available	1-10.available	NUM
ajeer-265	211	11	at	at	ADP
ajeer-265	211	12	:	:	PUNCT
ajeer-265	211	13	https://doi.org/10.1186/s12939-018-0793-1	https://doi.org/10.1186/s12939-018-0793-1	NUM
ajeer-265	211	14	.	.	PUNCT
ajeer-265	212	1	dorfleitner	dorfleitner	NOUN
ajeer-265	212	2	,	,	PUNCT
ajeer-265	212	3	g.	g.	PROPN
ajeer-265	212	4	and	and	CCONJ
ajeer-265	212	5	f.	f.	PROPN
ajeer-265	212	6	rößle	rößle	PROPN
ajeer-265	212	7	,	,	PUNCT
ajeer-265	212	8	2018	2018	NUM
ajeer-265	212	9	.	.	PUNCT
ajeer-265	213	1	the	the	DET
ajeer-265	213	2	financial	financial	ADJ
ajeer-265	213	3	performance	performance	NOUN
ajeer-265	213	4	of	of	ADP
ajeer-265	213	5	the	the	DET
ajeer-265	213	6	health	health	NOUN
ajeer-265	213	7	care	care	NOUN
ajeer-265	213	8	industry	industry	NOUN
ajeer-265	213	9	:	:	PUNCT
ajeer-265	213	10	a	a	DET
ajeer-265	213	11	global	global	ADJ
ajeer-265	213	12	,	,	PUNCT
ajeer-265	213	13	regional	regional	ADJ
ajeer-265	213	14	and	and	CCONJ
ajeer-265	213	15	industry	industry	NOUN
ajeer-265	213	16	specific	specific	ADJ
ajeer-265	213	17	empirical	empirical	ADJ
ajeer-265	213	18	investigation	investigation	NOUN
ajeer-265	213	19	.	.	PUNCT
ajeer-265	214	1	european	european	PROPN
ajeer-265	214	2	journal	journal	PROPN
ajeer-265	214	3	of	of	ADP
ajeer-265	214	4	health	health	NOUN
ajeer-265	214	5	economics	economic	NOUN
ajeer-265	214	6	,	,	PUNCT
ajeer-265	214	7	19(4	19(4	NUM
ajeer-265	214	8	):	):	PUNCT
ajeer-265	214	9	585-594.available	585-594.available	NUM
ajeer-265	214	10	at	at	ADP
ajeer-265	214	11	:	:	PUNCT
ajeer-265	214	12	https://doi.org/10.1007/s10198-017-0904-8	https://doi.org/10.1007/s10198-017-0904-8	NUM
ajeer-265	214	13	.	.	PUNCT
ajeer-265	215	1	ellyne	ellyne	PROPN
ajeer-265	215	2	,	,	PUNCT
ajeer-265	215	3	m.	m.	NOUN
ajeer-265	215	4	and	and	CCONJ
ajeer-265	215	5	n.	n.	PROPN
ajeer-265	215	6	mahlalela	mahlalela	PROPN
ajeer-265	215	7	,	,	PUNCT
ajeer-265	215	8	2017	2017	NUM
ajeer-265	215	9	.	.	PUNCT
ajeer-265	216	1	the	the	DET
ajeer-265	216	2	impact	impact	NOUN
ajeer-265	216	3	of	of	ADP
ajeer-265	216	4	remittances	remittance	NOUN
ajeer-265	216	5	on	on	ADP
ajeer-265	216	6	poverty	poverty	NOUN
ajeer-265	216	7	in	in	ADP
ajeer-265	216	8	africa	africa	PROPN
ajeer-265	216	9	:	:	PUNCT
ajeer-265	216	10	a	a	DET
ajeer-265	216	11	cross	cross	ADJ
ajeer-265	216	12	-	-	ADJ
ajeer-265	216	13	country	country	ADJ
ajeer-265	216	14	empirical	empirical	ADJ
ajeer-265	216	15	analysis	analysis	NOUN
ajeer-265	216	16	.	.	PUNCT
ajeer-265	217	1	the	the	DET
ajeer-265	217	2	paper	paper	NOUN
ajeer-265	217	3	presented	present	VERB
ajeer-265	217	4	at	at	ADP
ajeer-265	217	5	the	the	DET
ajeer-265	217	6	14th	14th	ADJ
ajeer-265	217	7	african	african	ADJ
ajeer-265	217	8	finance	finance	NOUN
ajeer-265	217	9	journal	journal	PROPN
ajeer-265	217	10	conference	conference	NOUN
ajeer-265	217	11	,	,	PUNCT
ajeer-265	217	12	17	17	NUM
ajeer-265	217	13	-	-	SYM
ajeer-265	217	14	18	18	NUM
ajeer-265	217	15	may	may	NOUN
ajeer-265	217	16	,	,	PUNCT
ajeer-265	217	17	2017	2017	NUM
ajeer-265	217	18	,	,	PUNCT
ajeer-265	217	19	victoria	victoria	PROPN
ajeer-265	217	20	fall	fall	PROPN
ajeer-265	217	21	,	,	PUNCT
ajeer-265	218	1	zimbabwe	zimbabwe	PROPN
ajeer-265	218	2	.	.	PROPN
ajeer-265	218	3	grossman	grossman	PROPN
ajeer-265	218	4	,	,	PUNCT
ajeer-265	218	5	m.	m.	NOUN
ajeer-265	218	6	,	,	PUNCT
ajeer-265	218	7	1972	1972	NUM
ajeer-265	218	8	.	.	PUNCT
ajeer-265	219	1	on	on	ADP
ajeer-265	219	2	the	the	DET
ajeer-265	219	3	concept	concept	NOUN
ajeer-265	219	4	of	of	ADP
ajeer-265	219	5	health	health	NOUN
ajeer-265	219	6	capital	capital	NOUN
ajeer-265	219	7	and	and	CCONJ
ajeer-265	219	8	the	the	DET
ajeer-265	219	9	demand	demand	NOUN
ajeer-265	219	10	for	for	ADP
ajeer-265	219	11	health	health	NOUN
ajeer-265	219	12	.	.	PUNCT
ajeer-265	220	1	the	the	DET
ajeer-265	220	2	journal	journal	NOUN
ajeer-265	220	3	of	of	ADP
ajeer-265	220	4	political	political	ADJ
ajeer-265	220	5	economy	economy	NOUN
ajeer-265	220	6	,	,	PUNCT
ajeer-265	220	7	80(2	80(2	NUM
ajeer-265	220	8	):	):	PUNCT
ajeer-265	220	9	223-255.available	223-255.available	NUM
ajeer-265	220	10	at	at	ADP
ajeer-265	220	11	:	:	PUNCT
ajeer-265	220	12	https://doi.org/10.1086/259880	https://doi.org/10.1086/259880	PROPN
ajeer-265	220	13	.	.	PUNCT
ajeer-265	221	1	leivea	leivea	PROPN
ajeer-265	221	2	,	,	PUNCT
ajeer-265	221	3	a.	a.	NOUN
ajeer-265	221	4	and	and	CCONJ
ajeer-265	221	5	k.	k.	PROPN
ajeer-265	221	6	xub	xub	PROPN
ajeer-265	221	7	,	,	PUNCT
ajeer-265	221	8	2008	2008	NUM
ajeer-265	221	9	.	.	PUNCT
ajeer-265	222	1	coping	cope	VERB
ajeer-265	222	2	with	with	ADP
ajeer-265	222	3	out	out	ADV
ajeer-265	222	4	-	-	PUNCT
ajeer-265	222	5	of	of	ADP
ajeer-265	222	6	-	-	PUNCT
ajeer-265	222	7	pocket	pocket	NOUN
ajeer-265	222	8	health	health	NOUN
ajeer-265	222	9	payments	payment	NOUN
ajeer-265	222	10	:	:	PUNCT
ajeer-265	222	11	empirical	empirical	ADJ
ajeer-265	222	12	evidence	evidence	NOUN
ajeer-265	222	13	from	from	ADP
ajeer-265	222	14	15	15	NUM
ajeer-265	222	15	african	african	ADJ
ajeer-265	222	16	countries	country	NOUN
ajeer-265	222	17	.	.	PUNCT
ajeer-265	223	1	bulletin	bulletin	NOUN
ajeer-265	223	2	of	of	ADP
ajeer-265	223	3	the	the	DET
ajeer-265	223	4	world	world	PROPN
ajeer-265	223	5	health	health	PROPN
ajeer-265	223	6	organization	organization	NOUN
ajeer-265	223	7	,	,	PUNCT
ajeer-265	223	8	86(11	86(11	NUM
ajeer-265	223	9	):	):	PUNCT
ajeer-265	223	10	849-856.available	849-856.available	ADJ
ajeer-265	223	11	at	at	ADP
ajeer-265	223	12	:	:	PUNCT
ajeer-265	223	13	https://doi.org/10.2471/blt.07.049403	https://doi.org/10.2471/blt.07.049403	NOUN
ajeer-265	223	14	.	.	PUNCT
ajeer-265	224	1	love	love	PROPN
ajeer-265	224	2	,	,	PUNCT
ajeer-265	224	3	i.	i.	NOUN
ajeer-265	224	4	and	and	CCONJ
ajeer-265	224	5	m.m.s	m.m.s	PROPN
ajeer-265	224	6	.	.	PUNCT
ajeer-265	224	7	peria	peria	PROPN
ajeer-265	224	8	,	,	PUNCT
ajeer-265	224	9	2012	2012	NUM
ajeer-265	224	10	.	.	PUNCT
ajeer-265	225	1	how	how	SCONJ
ajeer-265	225	2	bank	bank	NOUN
ajeer-265	225	3	competition	competition	NOUN
ajeer-265	225	4	affects	affect	VERB
ajeer-265	225	5	firms	firm	NOUN
ajeer-265	225	6	’	'	PUNCT
ajeer-265	225	7	access	access	NOUN
ajeer-265	225	8	to	to	ADP
ajeer-265	225	9	finance	finance	NOUN
ajeer-265	225	10	.	.	PUNCT
ajeer-265	226	1	world	world	PROPN
ajeer-265	226	2	bank	bank	PROPN
ajeer-265	226	3	policy	policy	NOUN
ajeer-265	226	4	research	research	NOUN
ajeer-265	226	5	working	working	NOUN
ajeer-265	226	6	paper	paper	NOUN
ajeer-265	226	7	,	,	PUNCT
ajeer-265	226	8	no	no	INTJ
ajeer-265	226	9	.	.	NOUN
ajeer-265	226	10	6163	6163	NUM
ajeer-265	226	11	.	.	PUNCT
ajeer-265	227	1	molla	molla	PROPN
ajeer-265	227	2	,	,	PUNCT
ajeer-265	227	3	a.a	a.a	PROPN
ajeer-265	227	4	.	.	PROPN
ajeer-265	227	5	,	,	PUNCT
ajeer-265	227	6	c.	c.	PROPN
ajeer-265	227	7	chi	chi	PROPN
ajeer-265	227	8	and	and	CCONJ
ajeer-265	227	9	a.l.n	a.l.n	PROPN
ajeer-265	227	10	.	.	PUNCT
ajeer-265	227	11	mondaca	mondaca	PROPN
ajeer-265	227	12	,	,	PUNCT
ajeer-265	227	13	2017	2017	NUM
ajeer-265	227	14	.	.	PUNCT
ajeer-265	228	1	predictors	predictor	NOUN
ajeer-265	228	2	of	of	ADP
ajeer-265	228	3	high	high	ADJ
ajeer-265	228	4	out	out	ADP
ajeer-265	228	5	-	-	PUNCT
ajeer-265	228	6	of	of	ADP
ajeer-265	228	7	-	-	PUNCT
ajeer-265	228	8	pocket	pocket	NOUN
ajeer-265	228	9	healthcare	healthcare	NOUN
ajeer-265	228	10	expenditure	expenditure	NOUN
ajeer-265	228	11	:	:	PUNCT
ajeer-265	228	12	an	an	DET
ajeer-265	228	13	analysis	analysis	NOUN
ajeer-265	228	14	using	use	VERB
ajeer-265	228	15	bangladesh	bangladesh	NOUN
ajeer-265	228	16	household	household	NOUN
ajeer-265	228	17	income	income	NOUN
ajeer-265	228	18	and	and	CCONJ
ajeer-265	228	19	expenditure	expenditure	NOUN
ajeer-265	228	20	survey	survey	NOUN
ajeer-265	228	21	,	,	PUNCT
ajeer-265	228	22	2010	2010	NUM
ajeer-265	228	23	.	.	PUNCT
ajeer-265	229	1	bmc	bmc	PROPN
ajeer-265	229	2	health	health	PROPN
ajeer-265	229	3	services	service	NOUN
ajeer-265	229	4	research	research	NOUN
ajeer-265	229	5	,	,	PUNCT
ajeer-265	229	6	17(1	17(1	NUM
ajeer-265	229	7	):	):	PUNCT
ajeer-265	229	8	94.available	94.available	NUM
ajeer-265	229	9	at	at	ADP
ajeer-265	229	10	:	:	PUNCT
ajeer-265	229	11	https://doi.org/10.1186/s12913-017-2047-0	https://doi.org/10.1186/s12913-017-2047-0	NUM
ajeer-265	229	12	.	.	PUNCT
ajeer-265	230	1	naceur	naceur	ADV
ajeer-265	230	2	,	,	PUNCT
ajeer-265	230	3	s.b	s.b	PROPN
ajeer-265	230	4	.	.	PROPN
ajeer-265	230	5	,	,	PUNCT
ajeer-265	230	6	a.	a.	PROPN
ajeer-265	230	7	barajas	barajas	PROPN
ajeer-265	230	8	and	and	CCONJ
ajeer-265	230	9	a.	a.	PROPN
ajeer-265	230	10	massara	massara	PROPN
ajeer-265	230	11	,	,	PUNCT
ajeer-265	230	12	2015	2015	NUM
ajeer-265	230	13	.	.	PUNCT
ajeer-265	231	1	can	can	AUX
ajeer-265	231	2	islamic	islamic	VERB
ajeer-265	231	3	banking	banking	NOUN
ajeer-265	231	4	increase	increase	VERB
ajeer-265	231	5	financial	financial	ADJ
ajeer-265	231	6	inclusion	inclusion	NOUN
ajeer-265	231	7	?	?	PUNCT
ajeer-265	232	1	,	,	PUNCT
ajeer-265	232	2	washington	washington	PROPN
ajeer-265	232	3	:	:	PUNCT
ajeer-265	232	4	international	international	ADJ
ajeer-265	232	5	monetary	monetary	ADJ
ajeer-265	232	6	fund	fund	NOUN
ajeer-265	232	7	(	(	PUNCT
ajeer-265	232	8	imf	imf	PROPN
ajeer-265	232	9	)	)	PUNCT
ajeer-265	232	10	.	.	PUNCT
ajeer-265	233	1	novignon	novignon	PROPN
ajeer-265	233	2	,	,	PUNCT
ajeer-265	233	3	j.	j.	PROPN
ajeer-265	233	4	,	,	PUNCT
ajeer-265	233	5	j.	j.	PROPN
ajeer-265	233	6	nonvignon	nonvignon	PROPN
ajeer-265	233	7	and	and	CCONJ
ajeer-265	233	8	e.	e.	PROPN
ajeer-265	233	9	arthur	arthur	PROPN
ajeer-265	233	10	,	,	PUNCT
ajeer-265	233	11	2015	2015	NUM
ajeer-265	233	12	.	.	PUNCT
ajeer-265	234	1	health	health	NOUN
ajeer-265	234	2	status	status	NOUN
ajeer-265	234	3	and	and	CCONJ
ajeer-265	234	4	labour	labour	ADJ
ajeer-265	234	5	force	force	NOUN
ajeer-265	234	6	participation	participation	NOUN
ajeer-265	234	7	in	in	ADP
ajeer-265	234	8	sub	sub	ADJ
ajeer-265	234	9	-	-	ADJ
ajeer-265	234	10	saharan	saharan	ADJ
ajeer-265	234	11	africa	africa	PROPN
ajeer-265	234	12	:	:	PUNCT
ajeer-265	234	13	a	a	DET
ajeer-265	234	14	dynamic	dynamic	ADJ
ajeer-265	234	15	panel	panel	NOUN
ajeer-265	234	16	data	datum	NOUN
ajeer-265	234	17	analysis	analysis	NOUN
ajeer-265	234	18	.	.	PUNCT
ajeer-265	235	1	african	african	ADJ
ajeer-265	235	2	development	development	PROPN
ajeer-265	235	3	review	review	PROPN
ajeer-265	235	4	,	,	PUNCT
ajeer-265	235	5	27(1	27(1	NUM
ajeer-265	235	6	):	):	PUNCT
ajeer-265	235	7	14-26.available	14-26.available	NUM
ajeer-265	235	8	at	at	ADP
ajeer-265	235	9	:	:	PUNCT
ajeer-265	235	10	https://doi.org/10.1111/1467-8268.12119	https://doi.org/10.1111/1467-8268.12119	PROPN
ajeer-265	235	11	.	.	PUNCT
ajeer-265	236	1	okoroafor	okoroafor	PROPN
ajeer-265	236	2	,	,	PUNCT
ajeer-265	236	3	d.o	d.o	PROPN
ajeer-265	236	4	.	.	PROPN
ajeer-265	236	5	,	,	PUNCT
ajeer-265	236	6	a.s	a.s	PROPN
ajeer-265	236	7	.	.	PROPN
ajeer-265	236	8	oluseyi	oluseyi	NOUN
ajeer-265	236	9	and	and	CCONJ
ajeer-265	236	10	a.	a.	NOUN
ajeer-265	236	11	emmanuel	emmanuel	PROPN
ajeer-265	236	12	,	,	PUNCT
ajeer-265	236	13	2018	2018	NUM
ajeer-265	236	14	.	.	PUNCT
ajeer-265	237	1	empirical	empirical	ADJ
ajeer-265	237	2	analysis	analysis	NOUN
ajeer-265	237	3	of	of	ADP
ajeer-265	237	4	the	the	DET
ajeer-265	237	5	determinants	determinant	NOUN
ajeer-265	237	6	of	of	ADP
ajeer-265	237	7	financial	financial	ADJ
ajeer-265	237	8	inclusion	inclusion	NOUN
ajeer-265	237	9	in	in	ADP
ajeer-265	237	10	nigeria	nigeria	PROPN
ajeer-265	237	11	:	:	PUNCT
ajeer-265	237	12	1990	1990	NUM
ajeer-265	237	13	-	-	SYM
ajeer-265	237	14	2016	2016	NUM
ajeer-265	237	15	.	.	PUNCT
ajeer-265	238	1	journal	journal	NOUN
ajeer-265	238	2	of	of	ADP
ajeer-265	238	3	finance	finance	NOUN
ajeer-265	238	4	and	and	CCONJ
ajeer-265	238	5	economics	economic	NOUN
ajeer-265	238	6	,	,	PUNCT
ajeer-265	238	7	6(1	6(1	NUM
ajeer-265	238	8	):	):	PUNCT
ajeer-265	238	9	19	19	NUM
ajeer-265	238	10	-	-	SYM
ajeer-265	238	11	25	25	NUM
ajeer-265	238	12	.	.	PUNCT
ajeer-265	239	1	pesaran	pesaran	VERB
ajeer-265	239	2	,	,	PUNCT
ajeer-265	239	3	m.h	m.h	PROPN
ajeer-265	239	4	.	.	PROPN
ajeer-265	239	5	,	,	PUNCT
ajeer-265	239	6	y.	y.	PROPN
ajeer-265	239	7	shin	shin	PROPN
ajeer-265	239	8	and	and	CCONJ
ajeer-265	239	9	r.p	r.p	PROPN
ajeer-265	239	10	.	.	PROPN
ajeer-265	239	11	smith	smith	PROPN
ajeer-265	239	12	,	,	PUNCT
ajeer-265	239	13	1999	1999	NUM
ajeer-265	239	14	.	.	PUNCT
ajeer-265	240	1	pooled	pool	VERB
ajeer-265	240	2	mean	mean	PROPN
ajeer-265	240	3	group	group	NOUN
ajeer-265	240	4	estimation	estimation	NOUN
ajeer-265	240	5	of	of	ADP
ajeer-265	240	6	dynamic	dynamic	ADJ
ajeer-265	240	7	heterogeneous	heterogeneous	ADJ
ajeer-265	240	8	panels	panel	NOUN
ajeer-265	240	9	.	.	PUNCT
ajeer-265	241	1	journal	journal	NOUN
ajeer-265	241	2	of	of	ADP
ajeer-265	241	3	the	the	DET
ajeer-265	241	4	american	american	PROPN
ajeer-265	241	5	statistical	statistical	PROPN
ajeer-265	241	6	association	association	PROPN
ajeer-265	241	7	,	,	PUNCT
ajeer-265	241	8	94(446	94(446	NOUN
ajeer-265	241	9	):	):	PUNCT
ajeer-265	241	10	621-634.available	621-634.available	NUM
ajeer-265	241	11	at	at	ADP
ajeer-265	241	12	:	:	PUNCT
ajeer-265	241	13	https://doi.org/10.1080/01621459.1999.10474156	https://doi.org/10.1080/01621459.1999.10474156	PROPN
ajeer-265	241	14	.	.	PUNCT
ajeer-265	242	1	who	who	PRON
ajeer-265	242	2	,	,	PUNCT
ajeer-265	242	3	2017a	2017a	NUM
ajeer-265	242	4	.	.	PUNCT
ajeer-265	243	1	fact	fact	NOUN
ajeer-265	243	2	sheet	sheet	NOUN
ajeer-265	243	3	on	on	ADP
ajeer-265	243	4	cholera	cholera	NOUN
ajeer-265	243	5	.	.	PUNCT
ajeer-265	244	1	geneva	geneva	PROPN
ajeer-265	244	2	,	,	PUNCT
ajeer-265	244	3	switzerland	switzerland	PROPN
ajeer-265	244	4	:	:	PUNCT
ajeer-265	244	5	world	world	PROPN
ajeer-265	244	6	health	health	PROPN
ajeer-265	244	7	organization	organization	PROPN
ajeer-265	244	8	.	.	PUNCT
ajeer-265	245	1	who	who	PRON
ajeer-265	245	2	,	,	PUNCT
ajeer-265	245	3	2017b	2017b	NUM
ajeer-265	245	4	.	.	PUNCT
ajeer-265	246	1	levels	level	NOUN
ajeer-265	246	2	and	and	CCONJ
ajeer-265	246	3	trends	trend	NOUN
ajeer-265	246	4	in	in	ADP
ajeer-265	246	5	child	child	NOUN
ajeer-265	246	6	mortality	mortality	NOUN
ajeer-265	246	7	report	report	NOUN
ajeer-265	246	8	for	for	ADP
ajeer-265	246	9	2017	2017	NUM
ajeer-265	246	10	.	.	PUNCT
ajeer-265	247	1	geneva	geneva	PROPN
ajeer-265	247	2	,	,	PUNCT
ajeer-265	247	3	switzerland	switzerland	PROPN
ajeer-265	247	4	:	:	PUNCT
ajeer-265	247	5	who	who	PRON
ajeer-265	247	6	.	.	PUNCT
ajeer-265	248	1	who	who	PRON
ajeer-265	248	2	,	,	PUNCT
ajeer-265	248	3	2018	2018	NUM
ajeer-265	248	4	.	.	PUNCT
ajeer-265	249	1	who	who	PRON
ajeer-265	249	2	statistics	statistic	VERB
ajeer-265	249	3	2018	2018	NUM
ajeer-265	249	4	:	:	PUNCT
ajeer-265	249	5	monitoring	monitor	VERB
ajeer-265	249	6	health	health	NOUN
ajeer-265	249	7	for	for	ADP
ajeer-265	249	8	the	the	DET
ajeer-265	249	9	sdgs	sdgs	NOUN
ajeer-265	249	10	.	.	PUNCT
ajeer-265	250	1	geneva	geneva	PROPN
ajeer-265	250	2	:	:	PUNCT
ajeer-265	251	1	who	who	PRON
ajeer-265	251	2	.	.	PUNCT
ajeer-265	252	1	witter	witter	PROPN
ajeer-265	252	2	,	,	PUNCT
ajeer-265	252	3	s.	s.	PROPN
ajeer-265	252	4	,	,	PUNCT
ajeer-265	252	5	v.	v.	ADP
ajeer-265	252	6	govender	govender	PROPN
ajeer-265	252	7	,	,	PUNCT
ajeer-265	252	8	t.s	t.s	PROPN
ajeer-265	252	9	.	.	PROPN
ajeer-265	252	10	ravindran	ravindran	PROPN
ajeer-265	252	11	and	and	CCONJ
ajeer-265	252	12	r.	r.	PROPN
ajeer-265	252	13	yates	yates	PROPN
ajeer-265	252	14	,	,	PUNCT
ajeer-265	252	15	2017	2017	NUM
ajeer-265	252	16	.	.	PUNCT
ajeer-265	253	1	minding	mind	VERB
ajeer-265	253	2	the	the	DET
ajeer-265	253	3	gaps	gap	NOUN
ajeer-265	253	4	:	:	PUNCT
ajeer-265	253	5	health	health	NOUN
ajeer-265	253	6	financing	financing	NOUN
ajeer-265	253	7	,	,	PUNCT
ajeer-265	253	8	universal	universal	ADJ
ajeer-265	253	9	health	health	NOUN
ajeer-265	253	10	coverage	coverage	NOUN
ajeer-265	253	11	and	and	CCONJ
ajeer-265	253	12	gender	gender	NOUN
ajeer-265	253	13	.	.	PUNCT
ajeer-265	254	1	health	health	NOUN
ajeer-265	254	2	policy	policy	NOUN
ajeer-265	254	3	and	and	CCONJ
ajeer-265	254	4	planning	planning	NOUN
ajeer-265	254	5	,	,	PUNCT
ajeer-265	254	6	32(suppl_5	32(suppl_5	NUM
ajeer-265	254	7	):	):	PUNCT
ajeer-265	254	8	v4-v12.available	v4-v12.available	NOUN
ajeer-265	254	9	at	at	ADP
ajeer-265	254	10	:	:	PUNCT
ajeer-265	254	11	https://doi.org/10.1093/heapol/czx063	https://doi.org/10.1093/heapol/czx063	PROPN
ajeer-265	254	12	.	.	PUNCT
ajeer-265	255	1	world	world	PROPN
ajeer-265	255	2	bank	bank	PROPN
ajeer-265	255	3	,	,	PUNCT
ajeer-265	255	4	2018	2018	NUM
ajeer-265	255	5	.	.	PUNCT
ajeer-265	256	1	world	world	NOUN
ajeer-265	256	2	development	development	NOUN
ajeer-265	256	3	indicators	indicator	NOUN
ajeer-265	256	4	.	.	PUNCT
ajeer-265	257	1	washington	washington	PROPN
ajeer-265	257	2	dc	dc	PROPN
ajeer-265	257	3	:	:	PUNCT
ajeer-265	257	4	world	world	PROPN
ajeer-265	257	5	bank	bank	PROPN
ajeer-265	257	6	.	.	PUNCT
ajeer-265	258	1	asian	asian	ADJ
ajeer-265	258	2	online	online	PROPN
ajeer-265	258	3	journal	journal	PROPN
ajeer-265	258	4	publishing	publishing	NOUN
ajeer-265	258	5	group	group	NOUN
ajeer-265	258	6	is	be	AUX
ajeer-265	258	7	not	not	PART
ajeer-265	258	8	responsible	responsible	ADJ
ajeer-265	258	9	or	or	CCONJ
ajeer-265	258	10	answerable	answerable	ADJ
ajeer-265	258	11	for	for	ADP
ajeer-265	258	12	any	any	DET
ajeer-265	258	13	loss	loss	NOUN
ajeer-265	258	14	,	,	PUNCT
ajeer-265	258	15	damage	damage	NOUN
ajeer-265	258	16	or	or	CCONJ
ajeer-265	258	17	liability	liability	NOUN
ajeer-265	258	18	,	,	PUNCT
ajeer-265	258	19	etc	etc	X
ajeer-265	258	20	.	.	X
ajeer-265	258	21	caused	cause	VERB
ajeer-265	258	22	in	in	ADP
ajeer-265	258	23	relation	relation	NOUN
ajeer-265	258	24	to	to	PART
ajeer-265	258	25	/	/	PUNCT
ajeer-265	258	26	arising	arise	VERB
ajeer-265	258	27	out	out	ADP
ajeer-265	258	28	of	of	ADP
ajeer-265	258	29	the	the	DET
ajeer-265	258	30	use	use	NOUN
ajeer-265	258	31	of	of	ADP
ajeer-265	258	32	the	the	DET
ajeer-265	258	33	content	content	NOUN
ajeer-265	258	34	.	.	PUNCT
ajeer-265	259	1	any	any	DET
ajeer-265	259	2	queries	query	NOUN
ajeer-265	259	3	should	should	AUX
ajeer-265	259	4	be	be	AUX
ajeer-265	259	5	directed	direct	VERB
ajeer-265	259	6	to	to	ADP
ajeer-265	259	7	the	the	DET
ajeer-265	259	8	corresponding	corresponding	ADJ
ajeer-265	259	9	author	author	NOUN
ajeer-265	259	10	of	of	ADP
ajeer-265	259	11	the	the	DET
ajeer-265	259	12	article	article	NOUN
ajeer-265	259	13	.	.	PUNCT