id	sid	tid	token	lemma	pos
ajeer-267	1	1	59	59	NUM
ajeer-267	1	2	©	©	PROPN
ajeer-267	1	3	2019	2019	NUM
ajeer-267	1	4	by	by	ADP
ajeer-267	1	5	the	the	DET
ajeer-267	1	6	authors	author	NOUN
ajeer-267	1	7	;	;	PUNCT
ajeer-267	1	8	licensee	licensee	PROPN
ajeer-267	1	9	asian	asian	ADJ
ajeer-267	1	10	online	online	PROPN
ajeer-267	1	11	journal	journal	PROPN
ajeer-267	1	12	publishing	publishing	PROPN
ajeer-267	1	13	group	group	PROPN
ajeer-267	1	14	asian	asian	PROPN
ajeer-267	1	15	journal	journal	PROPN
ajeer-267	1	16	of	of	ADP
ajeer-267	1	17	economics	economic	NOUN
ajeer-267	1	18	and	and	CCONJ
ajeer-267	1	19	empirical	empirical	ADJ
ajeer-267	1	20	research	research	NOUN
ajeer-267	1	21	vol	vol	NOUN
ajeer-267	1	22	.	.	PROPN
ajeer-267	2	1	6	6	NUM
ajeer-267	2	2	,	,	PUNCT
ajeer-267	2	3	no	no	INTJ
ajeer-267	2	4	.	.	NOUN
ajeer-267	2	5	1	1	NUM
ajeer-267	2	6	,	,	PUNCT
ajeer-267	2	7	59	59	NUM
ajeer-267	2	8	-	-	SYM
ajeer-267	2	9	69	69	NUM
ajeer-267	2	10	,	,	PUNCT
ajeer-267	2	11	2019	2019	NUM
ajeer-267	2	12	issn(e	issn(e	NOUN
ajeer-267	2	13	)	)	PUNCT
ajeer-267	2	14	2409	2409	NUM
ajeer-267	2	15	-	-	SYM
ajeer-267	2	16	2622/	2622/	NUM
ajeer-267	2	17	issn(p	issn(p	NOUN
ajeer-267	2	18	)	)	PUNCT
ajeer-267	2	19	2518	2518	NUM
ajeer-267	2	20	-	-	PUNCT
ajeer-267	2	21	010x	010x	ADJ
ajeer-267	2	22	doi	doi	NOUN
ajeer-267	2	23	:	:	PUNCT
ajeer-267	2	24	10.20448	10.20448	NUM
ajeer-267	2	25	/	/	SYM
ajeer-267	2	26	journal.501.2019.61.59.69	journal.501.2019.61.59.69	NOUN
ajeer-267	2	27	©	©	PROPN
ajeer-267	2	28	2019	2019	NUM
ajeer-267	2	29	by	by	ADP
ajeer-267	2	30	the	the	DET
ajeer-267	2	31	authors	author	NOUN
ajeer-267	2	32	;	;	PUNCT
ajeer-267	2	33	licensee	licensee	PROPN
ajeer-267	2	34	asian	asian	ADJ
ajeer-267	2	35	online	online	PROPN
ajeer-267	2	36	journal	journal	PROPN
ajeer-267	2	37	publishing	publishing	NOUN
ajeer-267	2	38	group	group	NOUN
ajeer-267	2	39	factors	factor	NOUN
ajeer-267	2	40	affecting	affect	VERB
ajeer-267	2	41	the	the	DET
ajeer-267	2	42	bank	bank	NOUN
ajeer-267	2	43	credit	credit	NOUN
ajeer-267	2	44	accessibility	accessibility	NOUN
ajeer-267	2	45	of	of	ADP
ajeer-267	2	46	rural	rural	ADJ
ajeer-267	2	47	households	household	NOUN
ajeer-267	2	48	in	in	ADP
ajeer-267	2	49	vietnam	vietnam	PROPN
ajeer-267	2	50	tran	tran	PROPN
ajeer-267	3	1	long	long	PROPN
ajeer-267	3	2	giang1	giang1	PROPN
ajeer-267	3	3	hoang	hoang	PROPN
ajeer-267	3	4	thi	thi	AUX
ajeer-267	3	5	thanh	thanh	PROPN
ajeer-267	3	6	hang2	hang2	PROPN
ajeer-267	3	7	(	(	PUNCT
ajeer-267	3	8			PROPN
ajeer-267	3	9	corresponding	correspond	VERB
ajeer-267	3	10	author	author	NOUN
ajeer-267	3	11	)	)	PUNCT
ajeer-267	3	12	1,2banking	1,2banking	PROPN
ajeer-267	3	13	university	university	PROPN
ajeer-267	3	14	of	of	ADP
ajeer-267	3	15	ho	ho	PROPN
ajeer-267	3	16	chi	chi	PROPN
ajeer-267	3	17	minh	minh	PROPN
ajeer-267	3	18	city	city	PROPN
ajeer-267	3	19	,	,	PUNCT
ajeer-267	3	20	vietnam	vietnam	PROPN
ajeer-267	3	21	abstract	abstract	NOUN
ajeer-267	3	22	the	the	DET
ajeer-267	3	23	research	research	NOUN
ajeer-267	3	24	identifies	identifie	NOUN
ajeer-267	3	25	and	and	CCONJ
ajeer-267	3	26	measures	measure	VERB
ajeer-267	3	27	factors	factor	NOUN
ajeer-267	3	28	affecting	affect	VERB
ajeer-267	3	29	the	the	DET
ajeer-267	3	30	bank	bank	NOUN
ajeer-267	3	31	credit	credit	NOUN
ajeer-267	3	32	accessibility	accessibility	NOUN
ajeer-267	3	33	using	use	VERB
ajeer-267	3	34	heckman	heckman	PROPN
ajeer-267	3	35	(	(	PUNCT
ajeer-267	3	36	1979	1979	NUM
ajeer-267	3	37	)	)	PUNCT
ajeer-267	3	38	.	.	PUNCT
ajeer-267	4	1	the	the	DET
ajeer-267	4	2	research	research	NOUN
ajeer-267	4	3	uses	use	VERB
ajeer-267	4	4	data	datum	NOUN
ajeer-267	4	5	from	from	ADP
ajeer-267	4	6	dataset	dataset	NOUN
ajeer-267	4	7	of	of	ADP
ajeer-267	4	8	vietnam	vietnam	PROPN
ajeer-267	4	9	household	household	NOUN
ajeer-267	4	10	living	live	VERB
ajeer-267	4	11	standard	standard	ADJ
ajeer-267	4	12	survey	survey	NOUN
ajeer-267	4	13	(	(	PUNCT
ajeer-267	4	14	vhlss	vhlss	ADJ
ajeer-267	4	15	)	)	PUNCT
ajeer-267	4	16	in	in	ADP
ajeer-267	4	17	2014	2014	NUM
ajeer-267	4	18	and	and	CCONJ
ajeer-267	4	19	2016	2016	NUM
ajeer-267	4	20	to	to	PART
ajeer-267	4	21	eliminate	eliminate	VERB
ajeer-267	4	22	the	the	DET
ajeer-267	4	23	shock	shock	NOUN
ajeer-267	4	24	due	due	ADP
ajeer-267	4	25	to	to	ADP
ajeer-267	4	26	the	the	DET
ajeer-267	4	27	global	global	ADJ
ajeer-267	4	28	economic	economic	ADJ
ajeer-267	4	29	crisis	crisis	NOUN
ajeer-267	4	30	in	in	ADP
ajeer-267	4	31	2008	2008	NUM
ajeer-267	4	32	-	-	SYM
ajeer-267	4	33	2009	2009	NUM
ajeer-267	4	34	making	make	VERB
ajeer-267	4	35	the	the	DET
ajeer-267	4	36	estimate	estimate	NOUN
ajeer-267	4	37	unsustainable	unsustainable	ADJ
ajeer-267	4	38	.	.	PUNCT
ajeer-267	5	1	the	the	DET
ajeer-267	5	2	results	result	NOUN
ajeer-267	5	3	show	show	VERB
ajeer-267	5	4	that	that	SCONJ
ajeer-267	5	5	among	among	ADP
ajeer-267	5	6	the	the	DET
ajeer-267	5	7	factors	factor	NOUN
ajeer-267	5	8	that	that	PRON
ajeer-267	5	9	can	can	AUX
ajeer-267	5	10	affect	affect	VERB
ajeer-267	5	11	the	the	DET
ajeer-267	5	12	bank	bank	NOUN
ajeer-267	5	13	credit	credit	NOUN
ajeer-267	5	14	accessibility	accessibility	NOUN
ajeer-267	5	15	considered	consider	VERB
ajeer-267	5	16	in	in	ADP
ajeer-267	5	17	the	the	DET
ajeer-267	5	18	first	first	ADJ
ajeer-267	5	19	stage	stage	NOUN
ajeer-267	5	20	of	of	ADP
ajeer-267	5	21	heckman	heckman	PROPN
ajeer-267	5	22	model	model	PROPN
ajeer-267	5	23	,	,	PUNCT
ajeer-267	5	24	there	there	PRON
ajeer-267	5	25	are	be	VERB
ajeer-267	5	26	six	six	NUM
ajeer-267	5	27	factors	factor	NOUN
ajeer-267	5	28	that	that	PRON
ajeer-267	5	29	significantly	significantly	ADV
ajeer-267	5	30	and	and	CCONJ
ajeer-267	5	31	statistically	statistically	ADV
ajeer-267	5	32	affect	affect	VERB
ajeer-267	5	33	the	the	DET
ajeer-267	5	34	bank	bank	NOUN
ajeer-267	5	35	credit	credit	NOUN
ajeer-267	5	36	accessibility	accessibility	NOUN
ajeer-267	5	37	of	of	ADP
ajeer-267	5	38	rural	rural	ADJ
ajeer-267	5	39	households	household	NOUN
ajeer-267	5	40	.	.	PUNCT
ajeer-267	6	1	these	these	DET
ajeer-267	6	2	factors	factor	NOUN
ajeer-267	6	3	include	include	VERB
ajeer-267	6	4	the	the	DET
ajeer-267	6	5	household	household	NOUN
ajeer-267	6	6	’s	’s	PART
ajeer-267	6	7	average	average	ADJ
ajeer-267	6	8	income	income	NOUN
ajeer-267	6	9	,	,	PUNCT
ajeer-267	6	10	householder	householder	NOUN
ajeer-267	6	11	’s	’s	PART
ajeer-267	6	12	age	age	NOUN
ajeer-267	6	13	,	,	PUNCT
ajeer-267	6	14	ethnic	ethnic	ADJ
ajeer-267	6	15	group	group	NOUN
ajeer-267	6	16	,	,	PUNCT
ajeer-267	6	17	marital	marital	ADJ
ajeer-267	6	18	status	status	NOUN
ajeer-267	6	19	,	,	PUNCT
ajeer-267	6	20	previous	previous	ADJ
ajeer-267	6	21	loan	loan	NOUN
ajeer-267	6	22	period	period	NOUN
ajeer-267	6	23	and	and	CCONJ
ajeer-267	6	24	members	member	NOUN
ajeer-267	6	25	of	of	ADP
ajeer-267	6	26	the	the	DET
ajeer-267	6	27	farmers	farmer	NOUN
ajeer-267	6	28	associations	association	NOUN
ajeer-267	6	29	.	.	PUNCT
ajeer-267	7	1	the	the	DET
ajeer-267	7	2	estimate	estimate	NOUN
ajeer-267	7	3	results	result	NOUN
ajeer-267	7	4	obtained	obtain	VERB
ajeer-267	7	5	from	from	ADP
ajeer-267	7	6	the	the	DET
ajeer-267	7	7	second	second	ADJ
ajeer-267	7	8	stage	stage	NOUN
ajeer-267	7	9	of	of	ADP
ajeer-267	7	10	heckman	heckman	PROPN
ajeer-267	7	11	model	model	PROPN
ajeer-267	7	12	on	on	ADP
ajeer-267	7	13	the	the	DET
ajeer-267	7	14	possibility	possibility	NOUN
ajeer-267	7	15	to	to	PART
ajeer-267	7	16	receive	receive	VERB
ajeer-267	7	17	loans	loan	NOUN
ajeer-267	7	18	of	of	ADP
ajeer-267	7	19	rural	rural	ADJ
ajeer-267	7	20	households	household	NOUN
ajeer-267	7	21	in	in	ADP
ajeer-267	7	22	vietnam	vietnam	PROPN
ajeer-267	7	23	indicates	indicate	VERB
ajeer-267	7	24	seven	seven	NUM
ajeer-267	7	25	factors	factor	NOUN
ajeer-267	7	26	affecting	affect	VERB
ajeer-267	7	27	the	the	DET
ajeer-267	7	28	value	value	NOUN
ajeer-267	7	29	of	of	ADP
ajeer-267	7	30	loans	loan	NOUN
ajeer-267	7	31	received	receive	VERB
ajeer-267	7	32	from	from	ADP
ajeer-267	7	33	bank	bank	NOUN
ajeer-267	7	34	credit	credit	NOUN
ajeer-267	7	35	institutions	institution	NOUN
ajeer-267	7	36	are	be	AUX
ajeer-267	7	37	the	the	DET
ajeer-267	7	38	household	household	NOUN
ajeer-267	7	39	’s	’s	PART
ajeer-267	7	40	average	average	ADJ
ajeer-267	7	41	income	income	NOUN
ajeer-267	7	42	,	,	PUNCT
ajeer-267	7	43	householder	householder	NOUN
ajeer-267	7	44	’s	’s	PART
ajeer-267	7	45	age	age	NOUN
ajeer-267	7	46	,	,	PUNCT
ajeer-267	7	47	ethnic	ethnic	ADJ
ajeer-267	7	48	group	group	NOUN
ajeer-267	7	49	,	,	PUNCT
ajeer-267	7	50	marital	marital	ADJ
ajeer-267	7	51	status	status	NOUN
ajeer-267	7	52	,	,	PUNCT
ajeer-267	7	53	previous	previous	ADJ
ajeer-267	7	54	loan	loan	NOUN
ajeer-267	7	55	period	period	NOUN
ajeer-267	7	56	and	and	CCONJ
ajeer-267	7	57	members	member	NOUN
ajeer-267	7	58	of	of	ADP
ajeer-267	7	59	the	the	DET
ajeer-267	7	60	farmers	farmer	NOUN
ajeer-267	7	61	associations	association	NOUN
ajeer-267	7	62	.	.	PUNCT
ajeer-267	8	1	keywords	keyword	NOUN
ajeer-267	8	2	:	:	PUNCT
ajeer-267	8	3	credit	credit	NOUN
ajeer-267	8	4	accessibility	accessibility	NOUN
ajeer-267	8	5	,	,	PUNCT
ajeer-267	8	6	rural	rural	ADJ
ajeer-267	8	7	households	household	NOUN
ajeer-267	8	8	,	,	PUNCT
ajeer-267	8	9	loan	loan	NOUN
ajeer-267	8	10	,	,	PUNCT
ajeer-267	8	11	banks	bank	NOUN
ajeer-267	8	12	citation	citation	NOUN
ajeer-267	8	13	|	|	ADV
ajeer-267	8	14	tran	tran	PROPN
ajeer-267	8	15	long	long	PROPN
ajeer-267	8	16	giang	giang	PROPN
ajeer-267	8	17	;	;	PUNCT
ajeer-267	8	18	hoang	hoang	PROPN
ajeer-267	8	19	thi	thi	PROPN
ajeer-267	8	20	thanh	thanh	PROPN
ajeer-267	8	21	hang	hang	PROPN
ajeer-267	8	22	(	(	PUNCT
ajeer-267	8	23	2019	2019	NUM
ajeer-267	8	24	)	)	PUNCT
ajeer-267	8	25	.	.	PUNCT
ajeer-267	9	1	factors	factor	NOUN
ajeer-267	9	2	affecting	affect	VERB
ajeer-267	9	3	the	the	DET
ajeer-267	9	4	bank	bank	NOUN
ajeer-267	9	5	credit	credit	NOUN
ajeer-267	9	6	accessibility	accessibility	NOUN
ajeer-267	9	7	of	of	ADP
ajeer-267	9	8	rural	rural	ADJ
ajeer-267	9	9	households	household	NOUN
ajeer-267	9	10	in	in	ADP
ajeer-267	9	11	vietnam	vietnam	PROPN
ajeer-267	9	12	.	.	PUNCT
ajeer-267	10	1	asian	asian	PROPN
ajeer-267	10	2	journal	journal	PROPN
ajeer-267	10	3	of	of	ADP
ajeer-267	10	4	economics	economic	NOUN
ajeer-267	10	5	and	and	CCONJ
ajeer-267	10	6	empirical	empirical	ADJ
ajeer-267	10	7	research	research	NOUN
ajeer-267	10	8	,	,	PUNCT
ajeer-267	10	9	6(1	6(1	NUM
ajeer-267	10	10	):	):	PUNCT
ajeer-267	10	11	59	59	NUM
ajeer-267	10	12	-	-	SYM
ajeer-267	10	13	69	69	NUM
ajeer-267	10	14	.	.	PUNCT
ajeer-267	11	1	history	history	NOUN
ajeer-267	11	2	:	:	PUNCT
ajeer-267	11	3	received	receive	VERB
ajeer-267	11	4	:	:	PUNCT
ajeer-267	11	5	24	24	NUM
ajeer-267	11	6	december	december	PROPN
ajeer-267	11	7	2018	2018	NUM
ajeer-267	11	8	revised	revise	VERB
ajeer-267	11	9	:	:	PUNCT
ajeer-267	11	10	29	29	NUM
ajeer-267	11	11	january	january	NOUN
ajeer-267	11	12	2019	2019	NUM
ajeer-267	11	13	accepted	accept	VERB
ajeer-267	11	14	:	:	PUNCT
ajeer-267	11	15	4	4	NUM
ajeer-267	11	16	march	march	NOUN
ajeer-267	11	17	2019	2019	NUM
ajeer-267	11	18	published	publish	VERB
ajeer-267	11	19	:	:	PUNCT
ajeer-267	11	20	20	20	NUM
ajeer-267	11	21	may	may	AUX
ajeer-267	11	22	2019	2019	NUM
ajeer-267	11	23	licensed	license	VERB
ajeer-267	11	24	:	:	PUNCT
ajeer-267	11	25	this	this	DET
ajeer-267	11	26	work	work	NOUN
ajeer-267	11	27	is	be	AUX
ajeer-267	11	28	licensed	license	VERB
ajeer-267	11	29	under	under	ADP
ajeer-267	11	30	a	a	DET
ajeer-267	11	31	creative	creative	ADJ
ajeer-267	11	32	commons	common	NOUN
ajeer-267	11	33	attribution	attribution	NOUN
ajeer-267	11	34	3.0	3.0	NUM
ajeer-267	11	35	license	license	NOUN
ajeer-267	11	36	publisher	publisher	NOUN
ajeer-267	11	37	:	:	PUNCT
ajeer-267	11	38	asian	asian	ADJ
ajeer-267	11	39	online	online	PROPN
ajeer-267	11	40	journal	journal	PROPN
ajeer-267	11	41	publishing	publishing	NOUN
ajeer-267	11	42	group	group	NOUN
ajeer-267	11	43	contribution	contribution	NOUN
ajeer-267	11	44	/	/	SYM
ajeer-267	11	45	acknowledgement	acknowledgement	NOUN
ajeer-267	11	46	:	:	PUNCT
ajeer-267	11	47	both	both	DET
ajeer-267	11	48	authors	author	NOUN
ajeer-267	11	49	contributed	contribute	VERB
ajeer-267	11	50	to	to	ADP
ajeer-267	11	51	the	the	DET
ajeer-267	11	52	conception	conception	NOUN
ajeer-267	11	53	and	and	CCONJ
ajeer-267	11	54	design	design	NOUN
ajeer-267	11	55	of	of	ADP
ajeer-267	11	56	the	the	DET
ajeer-267	11	57	study	study	NOUN
ajeer-267	11	58	.	.	PUNCT
ajeer-267	12	1	funding	funding	NOUN
ajeer-267	12	2	:	:	PUNCT
ajeer-267	12	3	this	this	DET
ajeer-267	12	4	study	study	NOUN
ajeer-267	12	5	received	receive	VERB
ajeer-267	12	6	no	no	DET
ajeer-267	12	7	specific	specific	ADJ
ajeer-267	12	8	financial	financial	ADJ
ajeer-267	12	9	support	support	NOUN
ajeer-267	12	10	.	.	PUNCT
ajeer-267	13	1	competing	compete	VERB
ajeer-267	13	2	interests	interest	NOUN
ajeer-267	13	3	:	:	PUNCT
ajeer-267	13	4	the	the	DET
ajeer-267	13	5	authors	author	NOUN
ajeer-267	13	6	declare	declare	VERB
ajeer-267	13	7	that	that	SCONJ
ajeer-267	13	8	they	they	PRON
ajeer-267	13	9	have	have	VERB
ajeer-267	13	10	no	no	DET
ajeer-267	13	11	conflict	conflict	NOUN
ajeer-267	13	12	of	of	ADP
ajeer-267	13	13	interests	interest	NOUN
ajeer-267	13	14	.	.	PUNCT
ajeer-267	14	1	transparency	transparency	NOUN
ajeer-267	14	2	:	:	PUNCT
ajeer-267	14	3	the	the	DET
ajeer-267	14	4	authors	author	NOUN
ajeer-267	14	5	confirm	confirm	VERB
ajeer-267	14	6	that	that	SCONJ
ajeer-267	14	7	the	the	DET
ajeer-267	14	8	manuscript	manuscript	NOUN
ajeer-267	14	9	is	be	AUX
ajeer-267	14	10	an	an	DET
ajeer-267	14	11	honest	honest	ADJ
ajeer-267	14	12	,	,	PUNCT
ajeer-267	14	13	accurate	accurate	ADJ
ajeer-267	14	14	,	,	PUNCT
ajeer-267	14	15	and	and	CCONJ
ajeer-267	14	16	transparent	transparent	ADJ
ajeer-267	14	17	account	account	NOUN
ajeer-267	14	18	of	of	ADP
ajeer-267	14	19	the	the	DET
ajeer-267	14	20	study	study	NOUN
ajeer-267	14	21	was	be	AUX
ajeer-267	14	22	reported	report	VERB
ajeer-267	14	23	;	;	PUNCT
ajeer-267	14	24	that	that	SCONJ
ajeer-267	14	25	no	no	DET
ajeer-267	14	26	vital	vital	ADJ
ajeer-267	14	27	features	feature	NOUN
ajeer-267	14	28	of	of	ADP
ajeer-267	14	29	the	the	DET
ajeer-267	14	30	study	study	NOUN
ajeer-267	14	31	have	have	AUX
ajeer-267	14	32	been	be	AUX
ajeer-267	14	33	omitted	omit	VERB
ajeer-267	14	34	;	;	PUNCT
ajeer-267	14	35	and	and	CCONJ
ajeer-267	14	36	that	that	SCONJ
ajeer-267	14	37	any	any	DET
ajeer-267	14	38	discrepancies	discrepancy	NOUN
ajeer-267	14	39	from	from	ADP
ajeer-267	14	40	the	the	DET
ajeer-267	14	41	study	study	NOUN
ajeer-267	14	42	as	as	SCONJ
ajeer-267	14	43	planned	plan	VERB
ajeer-267	14	44	have	have	AUX
ajeer-267	14	45	been	be	AUX
ajeer-267	14	46	explained	explain	VERB
ajeer-267	14	47	.	.	PUNCT
ajeer-267	15	1	ethical	ethical	ADJ
ajeer-267	15	2	:	:	PUNCT
ajeer-267	15	3	this	this	DET
ajeer-267	15	4	study	study	NOUN
ajeer-267	15	5	follows	follow	VERB
ajeer-267	15	6	all	all	DET
ajeer-267	15	7	ethical	ethical	ADJ
ajeer-267	15	8	practices	practice	NOUN
ajeer-267	15	9	during	during	ADP
ajeer-267	15	10	writing	writing	NOUN
ajeer-267	15	11	.	.	PUNCT
ajeer-267	16	1	contents	content	NOUN
ajeer-267	16	2	1	1	NUM
ajeer-267	16	3	.	.	PUNCT
ajeer-267	17	1	introduction	introduction	NOUN
ajeer-267	17	2	......................................................................................................................................................................................	......................................................................................................................................................................................	PUNCT
ajeer-267	18	1	60	60	NUM
ajeer-267	18	2	2	2	NUM
ajeer-267	18	3	.	.	PUNCT
ajeer-267	18	4	theoretical	theoretical	ADJ
ajeer-267	18	5	basis	basis	NOUN
ajeer-267	18	6	and	and	CCONJ
ajeer-267	18	7	experimental	experimental	ADJ
ajeer-267	18	8	researches	research	NOUN
ajeer-267	18	9	.......................................................................................................................	.......................................................................................................................	PUNCT
ajeer-267	19	1	60	60	NUM
ajeer-267	19	2	3	3	NUM
ajeer-267	19	3	.	.	PUNCT
ajeer-267	19	4	research	research	NOUN
ajeer-267	19	5	methods	method	NOUN
ajeer-267	19	6	and	and	CCONJ
ajeer-267	19	7	data	datum	NOUN
ajeer-267	19	8	..........................................................................................................................................................	..........................................................................................................................................................	PUNCT
ajeer-267	19	9	64	64	NUM
ajeer-267	19	10	4	4	NUM
ajeer-267	19	11	.	.	PUNCT
ajeer-267	19	12	research	research	NOUN
ajeer-267	19	13	results	result	NOUN
ajeer-267	19	14	..............................................................................................................................................................................	..............................................................................................................................................................................	PUNCT
ajeer-267	19	15	64	64	NUM
ajeer-267	19	16	5	5	NUM
ajeer-267	19	17	.	.	PUNCT
ajeer-267	19	18	conclusion	conclusion	NOUN
ajeer-267	19	19	and	and	CCONJ
ajeer-267	19	20	recommendation	recommendation	NOUN
ajeer-267	19	21	................................................................................................................................................	................................................................................................................................................	PUNCT
ajeer-267	20	1	68	68	NUM
ajeer-267	20	2	references	reference	NOUN
ajeer-267	20	3	..............................................................................................................................................................................................	..............................................................................................................................................................................................	PROPN
ajeer-267	20	4	69	69	NUM
ajeer-267	20	5	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.501.2019.61.59.69&domain=pdf&date_stamp=2017-01-14	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.501.2019.61.59.69&domain=pdf&date_stamp=2017-01-14	NOUN
ajeer-267	20	6	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajeer-267	20	7	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajeer-267	20	8	http://asianonlinejournals.com/index.php/ajeer/article/view/267	http://asianonlinejournals.com/index.php/ajeer/article/view/267	PROPN
ajeer-267	20	9	http://asianonlinejournals.com/index.php/ajeer/article/view/267	http://asianonlinejournals.com/index.php/ajeer/article/view/267	PROPN
ajeer-267	20	10	asian	asian	ADJ
ajeer-267	20	11	journal	journal	NOUN
ajeer-267	20	12	of	of	ADP
ajeer-267	20	13	economics	economic	NOUN
ajeer-267	20	14	and	and	CCONJ
ajeer-267	20	15	empirical	empirical	ADJ
ajeer-267	20	16	research	research	NOUN
ajeer-267	20	17	,	,	PUNCT
ajeer-267	20	18	2019	2019	NUM
ajeer-267	20	19	,	,	PUNCT
ajeer-267	20	20	6(1	6(1	NUM
ajeer-267	20	21	):	):	PUNCT
ajeer-267	20	22	59	59	NUM
ajeer-267	20	23	-	-	SYM
ajeer-267	20	24	69	69	NUM
ajeer-267	20	25	60	60	NUM
ajeer-267	20	26	©	©	PROPN
ajeer-267	20	27	2019	2019	NUM
ajeer-267	20	28	by	by	ADP
ajeer-267	20	29	the	the	DET
ajeer-267	20	30	authors	author	NOUN
ajeer-267	20	31	;	;	PUNCT
ajeer-267	20	32	licensee	licensee	PROPN
ajeer-267	20	33	asian	asian	ADJ
ajeer-267	20	34	online	online	PROPN
ajeer-267	20	35	journal	journal	PROPN
ajeer-267	20	36	publishing	publishing	NOUN
ajeer-267	20	37	group	group	PROPN
ajeer-267	20	38	1	1	NUM
ajeer-267	20	39	.	.	PUNCT
ajeer-267	20	40	introduction	introduction	NOUN
ajeer-267	20	41	according	accord	VERB
ajeer-267	20	42	to	to	ADP
ajeer-267	20	43	the	the	DET
ajeer-267	20	44	report	report	NOUN
ajeer-267	20	45	of	of	ADP
ajeer-267	20	46	the	the	DET
ajeer-267	20	47	general	general	ADJ
ajeer-267	20	48	statistics	statistics	PROPN
ajeer-267	20	49	office	office	NOUN
ajeer-267	20	50	in	in	ADP
ajeer-267	20	51	2016	2016	NUM
ajeer-267	20	52	,	,	PUNCT
ajeer-267	20	53	the	the	DET
ajeer-267	20	54	proportion	proportion	NOUN
ajeer-267	20	55	of	of	ADP
ajeer-267	20	56	people	people	NOUN
ajeer-267	20	57	living	live	VERB
ajeer-267	20	58	in	in	ADP
ajeer-267	20	59	rural	rural	ADJ
ajeer-267	20	60	areas	area	NOUN
ajeer-267	20	61	of	of	ADP
ajeer-267	20	62	vietnam	vietnam	PROPN
ajeer-267	20	63	accounts	account	VERB
ajeer-267	20	64	for	for	ADP
ajeer-267	20	65	about	about	ADV
ajeer-267	20	66	68	68	NUM
ajeer-267	20	67	%	%	NOUN
ajeer-267	20	68	,	,	PUNCT
ajeer-267	20	69	equivalent	equivalent	ADJ
ajeer-267	20	70	to	to	ADP
ajeer-267	20	71	61.2	61.2	NUM
ajeer-267	20	72	million	million	NUM
ajeer-267	20	73	people	people	NOUN
ajeer-267	20	74	.	.	PUNCT
ajeer-267	21	1	therefore	therefore	ADV
ajeer-267	21	2	,	,	PUNCT
ajeer-267	21	3	the	the	DET
ajeer-267	21	4	rural	rural	ADJ
ajeer-267	21	5	issues	issue	NOUN
ajeer-267	21	6	are	be	AUX
ajeer-267	21	7	particularly	particularly	ADV
ajeer-267	21	8	paid	pay	VERB
ajeer-267	21	9	attention	attention	NOUN
ajeer-267	21	10	in	in	ADP
ajeer-267	21	11	vietnam	vietnam	PROPN
ajeer-267	21	12	in	in	ADP
ajeer-267	21	13	recent	recent	ADJ
ajeer-267	21	14	years	year	NOUN
ajeer-267	21	15	.	.	PUNCT
ajeer-267	22	1	however	however	ADV
ajeer-267	22	2	,	,	PUNCT
ajeer-267	22	3	rural	rural	ADJ
ajeer-267	22	4	households	household	NOUN
ajeer-267	22	5	face	face	VERB
ajeer-267	22	6	many	many	ADJ
ajeer-267	22	7	difficulties	difficulty	NOUN
ajeer-267	22	8	in	in	ADP
ajeer-267	22	9	accessing	access	VERB
ajeer-267	22	10	bank	bank	NOUN
ajeer-267	22	11	credits	credit	NOUN
ajeer-267	22	12	.	.	PUNCT
ajeer-267	23	1	currently	currently	ADV
ajeer-267	23	2	,	,	PUNCT
ajeer-267	23	3	there	there	PRON
ajeer-267	23	4	are	be	VERB
ajeer-267	23	5	several	several	ADJ
ajeer-267	23	6	researches	research	NOUN
ajeer-267	23	7	on	on	ADP
ajeer-267	23	8	the	the	DET
ajeer-267	23	9	factors	factor	NOUN
ajeer-267	23	10	affecting	affect	VERB
ajeer-267	23	11	the	the	DET
ajeer-267	23	12	credit	credit	NOUN
ajeer-267	23	13	accessibility	accessibility	NOUN
ajeer-267	23	14	with	with	ADP
ajeer-267	23	15	different	different	ADJ
ajeer-267	23	16	methods	method	NOUN
ajeer-267	23	17	,	,	PUNCT
ajeer-267	23	18	times	time	NOUN
ajeer-267	23	19	of	of	ADP
ajeer-267	23	20	research	research	NOUN
ajeer-267	23	21	and	and	CCONJ
ajeer-267	23	22	scopes	scope	NOUN
ajeer-267	23	23	of	of	ADP
ajeer-267	23	24	research	research	NOUN
ajeer-267	23	25	.	.	PUNCT
ajeer-267	24	1	some	some	PRON
ajeer-267	24	2	of	of	ADP
ajeer-267	24	3	them	they	PRON
ajeer-267	24	4	show	show	VERB
ajeer-267	24	5	that	that	SCONJ
ajeer-267	24	6	the	the	DET
ajeer-267	24	7	householder	householder	NOUN
ajeer-267	24	8	’s	’s	PART
ajeer-267	24	9	educational	educational	ADJ
ajeer-267	24	10	level	level	NOUN
ajeer-267	24	11	,	,	PUNCT
ajeer-267	24	12	income	income	NOUN
ajeer-267	24	13	,	,	PUNCT
ajeer-267	24	14	purpose	purpose	NOUN
ajeer-267	24	15	of	of	ADP
ajeer-267	24	16	borrowing	borrowing	NOUN
ajeer-267	24	17	,	,	PUNCT
ajeer-267	24	18	land	land	NOUN
ajeer-267	24	19	area	area	NOUN
ajeer-267	24	20	and	and	CCONJ
ajeer-267	24	21	collaterals	collateral	NOUN
ajeer-267	24	22	affect	affect	VERB
ajeer-267	24	23	the	the	DET
ajeer-267	24	24	credit	credit	NOUN
ajeer-267	24	25	accessibility	accessibility	NOUN
ajeer-267	24	26	of	of	ADP
ajeer-267	24	27	rural	rural	ADJ
ajeer-267	24	28	households	household	NOUN
ajeer-267	24	29	(	(	PUNCT
ajeer-267	24	30	nguyen	nguyen	NOUN
ajeer-267	24	31	and	and	CCONJ
ajeer-267	24	32	pham	pham	PROPN
ajeer-267	24	33	,	,	PUNCT
ajeer-267	24	34	2010	2010	NUM
ajeer-267	24	35	)	)	PUNCT
ajeer-267	24	36	.	.	PUNCT
ajeer-267	25	1	others	other	NOUN
ajeer-267	25	2	state	state	VERB
ajeer-267	25	3	that	that	SCONJ
ajeer-267	25	4	organizations	organization	NOUN
ajeer-267	25	5	and	and	CCONJ
ajeer-267	25	6	unions	union	NOUN
ajeer-267	25	7	such	such	ADJ
ajeer-267	25	8	as	as	ADP
ajeer-267	25	9	farmers	farmer	NOUN
ajeer-267	25	10	associations	association	NOUN
ajeer-267	25	11	and	and	CCONJ
ajeer-267	25	12	women	woman	NOUN
ajeer-267	25	13	's	's	PART
ajeer-267	25	14	unions	union	NOUN
ajeer-267	25	15	play	play	VERB
ajeer-267	25	16	an	an	DET
ajeer-267	25	17	important	important	ADJ
ajeer-267	25	18	role	role	NOUN
ajeer-267	25	19	in	in	ADP
ajeer-267	25	20	the	the	DET
ajeer-267	25	21	credit	credit	NOUN
ajeer-267	25	22	accessibility	accessibility	NOUN
ajeer-267	25	23	of	of	ADP
ajeer-267	25	24	rural	rural	ADJ
ajeer-267	25	25	households	household	NOUN
ajeer-267	25	26	in	in	ADP
ajeer-267	25	27	vietnam	vietnam	PROPN
ajeer-267	25	28	,	,	PUNCT
ajeer-267	25	29	economic	economic	ADJ
ajeer-267	25	30	and	and	CCONJ
ajeer-267	25	31	development	development	NOUN
ajeer-267	25	32	group	group	NOUN
ajeer-267	25	33	(	(	PUNCT
ajeer-267	25	34	2010	2010	NUM
ajeer-267	25	35	)	)	PUNCT
ajeer-267	25	36	.	.	PUNCT
ajeer-267	26	1	in	in	ADP
ajeer-267	26	2	this	this	DET
ajeer-267	26	3	research	research	NOUN
ajeer-267	26	4	,	,	PUNCT
ajeer-267	26	5	the	the	DET
ajeer-267	26	6	selected	select	VERB
ajeer-267	26	7	times	time	NOUN
ajeer-267	26	8	of	of	ADP
ajeer-267	26	9	research	research	NOUN
ajeer-267	26	10	are	be	AUX
ajeer-267	26	11	2014	2014	NUM
ajeer-267	26	12	and	and	CCONJ
ajeer-267	26	13	2016	2016	NUM
ajeer-267	26	14	and	and	CCONJ
ajeer-267	26	15	a	a	DET
ajeer-267	26	16	scale	scale	NOUN
ajeer-267	26	17	of	of	ADP
ajeer-267	26	18	samples	sample	NOUN
ajeer-267	26	19	include	include	VERB
ajeer-267	26	20	598	598	NUM
ajeer-267	26	21	households	household	NOUN
ajeer-267	26	22	in	in	ADP
ajeer-267	26	23	61	61	NUM
ajeer-267	26	24	provinces	province	NOUN
ajeer-267	26	25	/	/	SYM
ajeer-267	26	26	cities	city	NOUN
ajeer-267	26	27	to	to	PART
ajeer-267	26	28	eliminate	eliminate	VERB
ajeer-267	26	29	the	the	DET
ajeer-267	26	30	shock	shock	NOUN
ajeer-267	26	31	caused	cause	VERB
ajeer-267	26	32	by	by	ADP
ajeer-267	26	33	the	the	DET
ajeer-267	26	34	economic	economic	ADJ
ajeer-267	26	35	crisis	crisis	NOUN
ajeer-267	26	36	in	in	ADP
ajeer-267	26	37	2008	2008	NUM
ajeer-267	26	38	affecting	affect	VERB
ajeer-267	26	39	the	the	DET
ajeer-267	26	40	sustainability	sustainability	NOUN
ajeer-267	26	41	of	of	ADP
ajeer-267	26	42	estimated	estimate	VERB
ajeer-267	26	43	coefficients	coefficient	NOUN
ajeer-267	26	44	.	.	PUNCT
ajeer-267	27	1	therefore	therefore	ADV
ajeer-267	27	2	,	,	PUNCT
ajeer-267	27	3	identification	identification	NOUN
ajeer-267	27	4	and	and	CCONJ
ajeer-267	27	5	measurement	measurement	NOUN
ajeer-267	27	6	of	of	ADP
ajeer-267	27	7	the	the	DET
ajeer-267	27	8	factors	factor	NOUN
ajeer-267	27	9	affecting	affect	VERB
ajeer-267	27	10	the	the	DET
ajeer-267	27	11	bank	bank	NOUN
ajeer-267	27	12	credit	credit	NOUN
ajeer-267	27	13	accessibility	accessibility	NOUN
ajeer-267	27	14	and	and	CCONJ
ajeer-267	27	15	proposal	proposal	NOUN
ajeer-267	27	16	thereon	thereon	NOUN
ajeer-267	27	17	of	of	ADP
ajeer-267	27	18	implications	implication	NOUN
ajeer-267	27	19	for	for	ADP
ajeer-267	27	20	the	the	DET
ajeer-267	27	21	bank	bank	NOUN
ajeer-267	27	22	credit	credit	NOUN
ajeer-267	27	23	accessibility	accessibility	NOUN
ajeer-267	27	24	are	be	AUX
ajeer-267	27	25	necessary	necessary	ADJ
ajeer-267	27	26	.	.	PUNCT
ajeer-267	28	1	2	2	X
ajeer-267	28	2	.	.	X
ajeer-267	28	3	theoretical	theoretical	ADJ
ajeer-267	28	4	basis	basis	NOUN
ajeer-267	28	5	and	and	CCONJ
ajeer-267	28	6	experimental	experimental	ADJ
ajeer-267	28	7	researches	research	VERB
ajeer-267	28	8	2.1	2.1	NUM
ajeer-267	28	9	.	.	PUNCT
ajeer-267	29	1	theoretical	theoretical	ADJ
ajeer-267	29	2	basis	basis	NOUN
ajeer-267	29	3	2.1.1	2.1.1	NUM
ajeer-267	29	4	.	.	PUNCT
ajeer-267	30	1	asymmetric	asymmetric	ADJ
ajeer-267	30	2	information	information	NOUN
ajeer-267	30	3	and	and	CCONJ
ajeer-267	30	4	the	the	DET
ajeer-267	30	5	opposite	opposite	ADJ
ajeer-267	30	6	choice	choice	NOUN
ajeer-267	30	7	according	accord	VERB
ajeer-267	30	8	to	to	ADP
ajeer-267	30	9	the	the	DET
ajeer-267	30	10	most	most	ADV
ajeer-267	30	11	basic	basic	ADJ
ajeer-267	30	12	economic	economic	ADJ
ajeer-267	30	13	theory	theory	NOUN
ajeer-267	30	14	that	that	PRON
ajeer-267	30	15	is	be	AUX
ajeer-267	30	16	market	market	NOUN
ajeer-267	30	17	equilibrium	equilibrium	NOUN
ajeer-267	30	18	,	,	PUNCT
ajeer-267	30	19	in	in	ADP
ajeer-267	30	20	which	which	PRON
ajeer-267	30	21	if	if	SCONJ
ajeer-267	30	22	demand	demand	NOUN
ajeer-267	30	23	exceeds	exceed	VERB
ajeer-267	30	24	supply	supply	NOUN
ajeer-267	30	25	,	,	PUNCT
ajeer-267	30	26	the	the	DET
ajeer-267	30	27	price	price	NOUN
ajeer-267	30	28	will	will	AUX
ajeer-267	30	29	rise	rise	VERB
ajeer-267	30	30	and	and	CCONJ
ajeer-267	30	31	vice	vice	ADV
ajeer-267	30	32	versa	versa	ADV
ajeer-267	30	33	.	.	PUNCT
ajeer-267	31	1	decrease	decrease	NOUN
ajeer-267	31	2	of	of	ADP
ajeer-267	31	3	demand	demand	NOUN
ajeer-267	31	4	and/or	and/or	CCONJ
ajeer-267	31	5	increase	increase	NOUN
ajeer-267	31	6	of	of	ADP
ajeer-267	31	7	supply	supply	NOUN
ajeer-267	31	8	should	should	AUX
ajeer-267	31	9	be	be	AUX
ajeer-267	31	10	made	make	VERB
ajeer-267	31	11	until	until	SCONJ
ajeer-267	31	12	supply	supply	NOUN
ajeer-267	31	13	and	and	CCONJ
ajeer-267	31	14	demand	demand	NOUN
ajeer-267	31	15	equal	equal	ADJ
ajeer-267	31	16	a	a	DET
ajeer-267	31	17	new	new	ADJ
ajeer-267	31	18	equilibrium	equilibrium	NOUN
ajeer-267	31	19	price	price	NOUN
ajeer-267	31	20	.	.	PUNCT
ajeer-267	32	1	therefore	therefore	ADV
ajeer-267	32	2	,	,	PUNCT
ajeer-267	32	3	credit	credit	NOUN
ajeer-267	32	4	supply	supply	NOUN
ajeer-267	32	5	and	and	CCONJ
ajeer-267	32	6	demand	demand	NOUN
ajeer-267	32	7	decisions	decision	NOUN
ajeer-267	32	8	depend	depend	VERB
ajeer-267	32	9	on	on	ADP
ajeer-267	32	10	interest	interest	NOUN
ajeer-267	32	11	rates	rate	NOUN
ajeer-267	32	12	.	.	PUNCT
ajeer-267	33	1	however	however	ADV
ajeer-267	33	2	,	,	PUNCT
ajeer-267	33	3	according	accord	VERB
ajeer-267	33	4	to	to	ADP
ajeer-267	33	5	stiglitz	stiglitz	PROPN
ajeer-267	33	6	and	and	CCONJ
ajeer-267	33	7	weiss	weiss	PROPN
ajeer-267	33	8	(	(	PUNCT
ajeer-267	33	9	1981	1981	NUM
ajeer-267	33	10	)	)	PUNCT
ajeer-267	33	11	the	the	DET
ajeer-267	33	12	theory	theory	NOUN
ajeer-267	33	13	of	of	ADP
ajeer-267	33	14	interest	interest	NOUN
ajeer-267	33	15	rate	rate	NOUN
ajeer-267	33	16	-	-	PUNCT
ajeer-267	33	17	based	base	VERB
ajeer-267	33	18	credit	credit	NOUN
ajeer-267	33	19	supply	supply	NOUN
ajeer-267	33	20	and	and	CCONJ
ajeer-267	33	21	demand	demand	NOUN
ajeer-267	33	22	can	can	AUX
ajeer-267	33	23	not	not	PART
ajeer-267	33	24	explain	explain	VERB
ajeer-267	33	25	the	the	DET
ajeer-267	33	26	behavior	behavior	NOUN
ajeer-267	33	27	of	of	ADP
ajeer-267	33	28	lenders	lender	NOUN
ajeer-267	33	29	and	and	CCONJ
ajeer-267	33	30	borrowers	borrower	NOUN
ajeer-267	33	31	since	since	SCONJ
ajeer-267	33	32	the	the	DET
ajeer-267	33	33	borrowers	borrower	NOUN
ajeer-267	33	34	do	do	AUX
ajeer-267	33	35	not	not	PART
ajeer-267	33	36	rely	rely	VERB
ajeer-267	33	37	on	on	ADP
ajeer-267	33	38	market	market	NOUN
ajeer-267	33	39	interest	interest	NOUN
ajeer-267	33	40	rates	rate	NOUN
ajeer-267	33	41	only	only	ADV
ajeer-267	33	42	while	while	SCONJ
ajeer-267	33	43	lenders	lender	NOUN
ajeer-267	33	44	must	must	AUX
ajeer-267	33	45	depend	depend	VERB
ajeer-267	33	46	on	on	ADP
ajeer-267	33	47	the	the	DET
ajeer-267	33	48	borrowers	borrower	NOUN
ajeer-267	33	49	'	'	PART
ajeer-267	33	50	information	information	NOUN
ajeer-267	33	51	to	to	PART
ajeer-267	33	52	make	make	VERB
ajeer-267	33	53	loan	loan	NOUN
ajeer-267	33	54	decisions	decision	NOUN
ajeer-267	33	55	.	.	PUNCT
ajeer-267	34	1	according	accord	VERB
ajeer-267	34	2	to	to	ADP
ajeer-267	34	3	stiglitz	stiglitz	PROPN
ajeer-267	34	4	and	and	CCONJ
ajeer-267	34	5	weiss	weiss	PROPN
ajeer-267	34	6	(	(	PUNCT
ajeer-267	34	7	1981	1981	NUM
ajeer-267	34	8	)	)	PUNCT
ajeer-267	34	9	for	for	ADP
ajeer-267	34	10	credit	credit	NOUN
ajeer-267	34	11	markets	market	NOUN
ajeer-267	34	12	,	,	PUNCT
ajeer-267	34	13	opposite	opposite	ADJ
ajeer-267	34	14	option	option	NOUN
ajeer-267	34	15	is	be	AUX
ajeer-267	34	16	also	also	ADV
ajeer-267	34	17	a	a	DET
ajeer-267	34	18	consequence	consequence	NOUN
ajeer-267	34	19	of	of	ADP
ajeer-267	34	20	asymmetric	asymmetric	ADJ
ajeer-267	34	21	information	information	NOUN
ajeer-267	34	22	,	,	PUNCT
ajeer-267	34	23	which	which	PRON
ajeer-267	34	24	means	mean	VERB
ajeer-267	34	25	potential	potential	ADJ
ajeer-267	34	26	borrowers	borrower	NOUN
ajeer-267	34	27	with	with	ADP
ajeer-267	34	28	more	more	ADJ
ajeer-267	34	29	risks	risk	NOUN
ajeer-267	34	30	often	often	ADV
ajeer-267	34	31	seek	seek	VERB
ajeer-267	34	32	loans	loan	NOUN
ajeer-267	34	33	and	and	CCONJ
ajeer-267	34	34	have	have	VERB
ajeer-267	34	35	rights	right	NOUN
ajeer-267	34	36	to	to	PART
ajeer-267	34	37	select	select	VERB
ajeer-267	34	38	,	,	PUNCT
ajeer-267	34	39	in	in	ADP
ajeer-267	34	40	which	which	PRON
ajeer-267	34	41	the	the	DET
ajeer-267	34	42	distinction	distinction	NOUN
ajeer-267	34	43	between	between	ADP
ajeer-267	34	44	low	low	ADJ
ajeer-267	34	45	-	-	PUNCT
ajeer-267	34	46	risk	risk	NOUN
ajeer-267	34	47	and	and	CCONJ
ajeer-267	34	48	high	high	ADJ
ajeer-267	34	49	-	-	PUNCT
ajeer-267	34	50	risk	risk	NOUN
ajeer-267	34	51	borrowers	borrower	NOUN
ajeer-267	34	52	is	be	AUX
ajeer-267	34	53	reflected	reflect	VERB
ajeer-267	34	54	in	in	ADP
ajeer-267	34	55	interest	interest	NOUN
ajeer-267	34	56	rates	rate	NOUN
ajeer-267	34	57	.	.	PUNCT
ajeer-267	35	1	however	however	ADV
ajeer-267	35	2	,	,	PUNCT
ajeer-267	35	3	raising	raise	VERB
ajeer-267	35	4	interest	interest	NOUN
ajeer-267	35	5	rates	rate	NOUN
ajeer-267	35	6	to	to	PART
ajeer-267	35	7	compensate	compensate	VERB
ajeer-267	35	8	for	for	ADP
ajeer-267	35	9	high	high	ADJ
ajeer-267	35	10	credit	credit	NOUN
ajeer-267	35	11	risk	risk	NOUN
ajeer-267	35	12	costs	cost	NOUN
ajeer-267	35	13	may	may	AUX
ajeer-267	35	14	push	push	VERB
ajeer-267	35	15	low	low	ADJ
ajeer-267	35	16	-	-	PUNCT
ajeer-267	35	17	risk	risk	NOUN
ajeer-267	35	18	borrowers	borrower	NOUN
ajeer-267	35	19	out	out	ADP
ajeer-267	35	20	of	of	ADP
ajeer-267	35	21	the	the	DET
ajeer-267	35	22	market	market	NOUN
ajeer-267	35	23	.	.	PUNCT
ajeer-267	36	1	as	as	ADP
ajeer-267	36	2	a	a	DET
ajeer-267	36	3	result	result	NOUN
ajeer-267	36	4	,	,	PUNCT
ajeer-267	36	5	lenders	lender	NOUN
ajeer-267	36	6	approve	approve	VERB
ajeer-267	36	7	the	the	DET
ajeer-267	36	8	high	high	ADJ
ajeer-267	36	9	-	-	PUNCT
ajeer-267	36	10	risk	risk	NOUN
ajeer-267	36	11	projects	project	NOUN
ajeer-267	36	12	only	only	ADV
ajeer-267	36	13	.	.	PUNCT
ajeer-267	37	1	asymmetric	asymmetric	ADJ
ajeer-267	37	2	information	information	NOUN
ajeer-267	37	3	also	also	ADV
ajeer-267	37	4	leads	lead	VERB
ajeer-267	37	5	to	to	ADP
ajeer-267	37	6	moral	moral	ADJ
ajeer-267	37	7	hazards	hazard	NOUN
ajeer-267	37	8	or	or	CCONJ
ajeer-267	37	9	dependence	dependence	NOUN
ajeer-267	37	10	,	,	PUNCT
ajeer-267	37	11	in	in	ADP
ajeer-267	37	12	which	which	PRON
ajeer-267	37	13	borrowers	borrower	NOUN
ajeer-267	37	14	are	be	AUX
ajeer-267	37	15	no	no	ADV
ajeer-267	37	16	longer	long	ADV
ajeer-267	37	17	motivated	motivated	ADJ
ajeer-267	37	18	to	to	PART
ajeer-267	37	19	try	try	VERB
ajeer-267	37	20	or	or	CCONJ
ajeer-267	37	21	act	act	VERB
ajeer-267	37	22	as	as	ADV
ajeer-267	37	23	reasonably	reasonably	ADV
ajeer-267	37	24	as	as	ADP
ajeer-267	37	25	before	before	ADP
ajeer-267	37	26	the	the	DET
ajeer-267	37	27	occurrence	occurrence	NOUN
ajeer-267	37	28	of	of	ADP
ajeer-267	37	29	transactions	transaction	NOUN
ajeer-267	37	30	as	as	SCONJ
ajeer-267	37	31	lenders	lender	NOUN
ajeer-267	37	32	must	must	AUX
ajeer-267	37	33	suffer	suffer	VERB
ajeer-267	37	34	a	a	DET
ajeer-267	37	35	part	part	NOUN
ajeer-267	37	36	of	of	ADP
ajeer-267	37	37	risks	risk	NOUN
ajeer-267	37	38	.	.	PUNCT
ajeer-267	38	1	consequently	consequently	ADV
ajeer-267	38	2	,	,	PUNCT
ajeer-267	38	3	borrowers	borrower	NOUN
ajeer-267	38	4	can	can	AUX
ajeer-267	38	5	not	not	PART
ajeer-267	38	6	pay	pay	VERB
ajeer-267	38	7	their	their	PRON
ajeer-267	38	8	debts	debt	NOUN
ajeer-267	38	9	.	.	PUNCT
ajeer-267	39	1	in	in	ADP
ajeer-267	39	2	general	general	ADJ
ajeer-267	39	3	,	,	PUNCT
ajeer-267	39	4	decisions	decision	NOUN
ajeer-267	39	5	on	on	ADP
ajeer-267	39	6	credit	credit	NOUN
ajeer-267	39	7	issue	issue	NOUN
ajeer-267	39	8	and	and	CCONJ
ajeer-267	39	9	credit	credit	NOUN
ajeer-267	39	10	amount	amount	NOUN
ajeer-267	39	11	depend	depend	VERB
ajeer-267	39	12	on	on	ADP
ajeer-267	39	13	the	the	DET
ajeer-267	39	14	information	information	NOUN
ajeer-267	39	15	obtained	obtain	VERB
ajeer-267	39	16	by	by	ADP
ajeer-267	39	17	lenders	lender	NOUN
ajeer-267	39	18	from	from	ADP
ajeer-267	39	19	borrowers	borrower	NOUN
ajeer-267	39	20	.	.	PUNCT
ajeer-267	40	1	thus	thus	ADV
ajeer-267	40	2	,	,	PUNCT
ajeer-267	40	3	not	not	PART
ajeer-267	40	4	all	all	DET
ajeer-267	40	5	people	people	NOUN
ajeer-267	40	6	wishing	wish	VERB
ajeer-267	40	7	to	to	PART
ajeer-267	40	8	borrow	borrow	VERB
ajeer-267	40	9	can	can	AUX
ajeer-267	40	10	access	access	VERB
ajeer-267	40	11	to	to	ADP
ajeer-267	40	12	credit	credit	NOUN
ajeer-267	40	13	.	.	PUNCT
ajeer-267	41	1	2.1.2	2.1.2	X
ajeer-267	41	2	.	.	PUNCT
ajeer-267	41	3	factors	factor	NOUN
ajeer-267	41	4	affecting	affect	VERB
ajeer-267	41	5	the	the	DET
ajeer-267	41	6	credit	credit	NOUN
ajeer-267	41	7	accessibility	accessibility	NOUN
ajeer-267	41	8	in	in	ADP
ajeer-267	41	9	the	the	DET
ajeer-267	41	10	countries	country	NOUN
ajeer-267	41	11	with	with	ADP
ajeer-267	41	12	underdeveloped	underdeveloped	ADJ
ajeer-267	41	13	financial	financial	ADJ
ajeer-267	41	14	systems	system	NOUN
ajeer-267	41	15	,	,	PUNCT
ajeer-267	41	16	poor	poor	ADJ
ajeer-267	41	17	households	household	NOUN
ajeer-267	41	18	have	have	VERB
ajeer-267	41	19	more	more	ADJ
ajeer-267	41	20	limited	limited	ADJ
ajeer-267	41	21	credit	credit	NOUN
ajeer-267	41	22	accessibility	accessibility	NOUN
ajeer-267	41	23	than	than	ADP
ajeer-267	41	24	the	the	DET
ajeer-267	41	25	wealthy	wealthy	ADJ
ajeer-267	41	26	ones	one	NOUN
ajeer-267	41	27	.	.	PUNCT
ajeer-267	42	1	according	accord	VERB
ajeer-267	42	2	to	to	ADP
ajeer-267	42	3	claessens	claessen	NOUN
ajeer-267	42	4	and	and	CCONJ
ajeer-267	42	5	feijen	feijen	NOUN
ajeer-267	42	6	(	(	PUNCT
ajeer-267	42	7	2007	2007	NUM
ajeer-267	42	8	)	)	PUNCT
ajeer-267	42	9	there	there	PRON
ajeer-267	42	10	are	be	VERB
ajeer-267	42	11	three	three	NUM
ajeer-267	42	12	main	main	ADJ
ajeer-267	42	13	causes	cause	NOUN
ajeer-267	42	14	that	that	PRON
ajeer-267	42	15	hinder	hinder	VERB
ajeer-267	42	16	the	the	DET
ajeer-267	42	17	credit	credit	NOUN
ajeer-267	42	18	accessibility	accessibility	NOUN
ajeer-267	42	19	of	of	ADP
ajeer-267	42	20	poor	poor	ADJ
ajeer-267	42	21	households	household	NOUN
ajeer-267	42	22	:	:	PUNCT
ajeer-267	42	23	the	the	DET
ajeer-267	42	24	generally	generally	ADV
ajeer-267	42	25	unstable	unstable	ADJ
ajeer-267	42	26	institutional	institutional	ADJ
ajeer-267	42	27	and	and	CCONJ
ajeer-267	42	28	economic	economic	ADJ
ajeer-267	42	29	environment	environment	NOUN
ajeer-267	42	30	;	;	PUNCT
ajeer-267	42	31	unsuitable	unsuitable	ADJ
ajeer-267	42	32	supply	supply	NOUN
ajeer-267	42	33	and	and	CCONJ
ajeer-267	42	34	demand	demand	NOUN
ajeer-267	42	35	;	;	PUNCT
ajeer-267	42	36	the	the	DET
ajeer-267	42	37	influence	influence	NOUN
ajeer-267	42	38	of	of	ADP
ajeer-267	42	39	special	special	ADJ
ajeer-267	42	40	benefits	benefit	NOUN
ajeer-267	42	41	,	,	PUNCT
ajeer-267	42	42	according	accord	VERB
ajeer-267	42	43	to	to	ADP
ajeer-267	42	44	rajan	rajan	PROPN
ajeer-267	42	45	and	and	CCONJ
ajeer-267	42	46	zingales	zingales	PROPN
ajeer-267	42	47	(	(	PUNCT
ajeer-267	42	48	2003	2003	NUM
ajeer-267	42	49	)	)	PUNCT
ajeer-267	42	50	.	.	PUNCT
ajeer-267	43	1	recently	recently	ADV
ajeer-267	43	2	,	,	PUNCT
ajeer-267	43	3	accessibility	accessibility	NOUN
ajeer-267	43	4	to	to	ADP
ajeer-267	43	5	financial	financial	ADJ
ajeer-267	43	6	services	service	NOUN
ajeer-267	43	7	is	be	AUX
ajeer-267	43	8	recognized	recognize	VERB
ajeer-267	43	9	as	as	ADP
ajeer-267	43	10	an	an	DET
ajeer-267	43	11	important	important	ADJ
ajeer-267	43	12	aspect	aspect	NOUN
ajeer-267	43	13	of	of	ADP
ajeer-267	43	14	development	development	NOUN
ajeer-267	43	15	.	.	PUNCT
ajeer-267	44	1	increasing	increase	VERB
ajeer-267	44	2	the	the	DET
ajeer-267	44	3	accessibility	accessibility	NOUN
ajeer-267	44	4	to	to	PART
ajeer-267	44	5	finance	finance	NOUN
ajeer-267	44	6	requires	require	VERB
ajeer-267	44	7	the	the	DET
ajeer-267	44	8	efforts	effort	NOUN
ajeer-267	44	9	of	of	ADP
ajeer-267	44	10	the	the	DET
ajeer-267	44	11	government	government	NOUN
ajeer-267	44	12	and	and	CCONJ
ajeer-267	44	13	financial	financial	ADJ
ajeer-267	44	14	institutions	institution	NOUN
ajeer-267	44	15	.	.	PUNCT
ajeer-267	45	1	based	base	VERB
ajeer-267	45	2	on	on	ADP
ajeer-267	45	3	that	that	PRON
ajeer-267	45	4	,	,	PUNCT
ajeer-267	45	5	claessens	claessen	NOUN
ajeer-267	45	6	and	and	CCONJ
ajeer-267	45	7	feijen	feijen	NOUN
ajeer-267	45	8	(	(	PUNCT
ajeer-267	45	9	2007	2007	NUM
ajeer-267	45	10	)	)	PUNCT
ajeer-267	45	11	proposed	propose	VERB
ajeer-267	45	12	nine	nine	NUM
ajeer-267	45	13	policy	policy	NOUN
ajeer-267	45	14	recommendations	recommendation	NOUN
ajeer-267	45	15	:	:	PUNCT
ajeer-267	45	16	increase	increase	VERB
ajeer-267	45	17	the	the	DET
ajeer-267	45	18	scale	scale	NOUN
ajeer-267	45	19	of	of	ADP
ajeer-267	45	20	financial	financial	ADJ
ajeer-267	45	21	institutions	institution	NOUN
ajeer-267	45	22	and	and	CCONJ
ajeer-267	45	23	the	the	DET
ajeer-267	45	24	financial	financial	ADJ
ajeer-267	45	25	system	system	NOUN
ajeer-267	45	26	in	in	ADP
ajeer-267	45	27	general	general	ADJ
ajeer-267	45	28	to	to	PART
ajeer-267	45	29	benefit	benefit	VERB
ajeer-267	45	30	from	from	ADP
ajeer-267	45	31	economies	economy	NOUN
ajeer-267	45	32	through	through	ADP
ajeer-267	45	33	scale	scale	NOUN
ajeer-267	45	34	;	;	PUNCT
ajeer-267	45	35	use	use	VERB
ajeer-267	45	36	existing	exist	VERB
ajeer-267	45	37	networks	network	NOUN
ajeer-267	45	38	to	to	PART
ajeer-267	45	39	expand	expand	VERB
ajeer-267	45	40	the	the	DET
ajeer-267	45	41	scope	scope	NOUN
ajeer-267	45	42	of	of	ADP
ajeer-267	45	43	access	access	NOUN
ajeer-267	45	44	;	;	PUNCT
ajeer-267	45	45	improve	improve	VERB
ajeer-267	45	46	credit	credit	NOUN
ajeer-267	45	47	infrastructure	infrastructure	NOUN
ajeer-267	45	48	;	;	PUNCT
ajeer-267	45	49	minimize	minimize	VERB
ajeer-267	45	50	as	as	ADV
ajeer-267	45	51	much	much	ADJ
ajeer-267	45	52	as	as	ADP
ajeer-267	45	53	possible	possible	ADJ
ajeer-267	45	54	the	the	DET
ajeer-267	45	55	government	government	NOUN
ajeer-267	45	56	regulation	regulation	NOUN
ajeer-267	45	57	;	;	PUNCT
ajeer-267	45	58	enhance	enhance	VERB
ajeer-267	45	59	competition	competition	NOUN
ajeer-267	45	60	in	in	ADP
ajeer-267	45	61	the	the	DET
ajeer-267	45	62	financial	financial	ADJ
ajeer-267	45	63	system	system	NOUN
ajeer-267	45	64	;	;	PUNCT
ajeer-267	45	65	promote	promote	VERB
ajeer-267	45	66	comprehensive	comprehensive	ADJ
ajeer-267	45	67	access	access	NOUN
ajeer-267	45	68	to	to	ADP
ajeer-267	45	69	financial	financial	ADJ
ajeer-267	45	70	services	service	NOUN
ajeer-267	45	71	;	;	PUNCT
ajeer-267	45	72	introduce	introduce	VERB
ajeer-267	45	73	products	product	NOUN
ajeer-267	45	74	creatively	creatively	ADV
ajeer-267	45	75	and	and	CCONJ
ajeer-267	45	76	in	in	ADP
ajeer-267	45	77	the	the	DET
ajeer-267	45	78	best	good	ADJ
ajeer-267	45	79	practices	practice	NOUN
ajeer-267	45	80	to	to	PART
ajeer-267	45	81	meet	meet	VERB
ajeer-267	45	82	customer	customer	NOUN
ajeer-267	45	83	needs	need	NOUN
ajeer-267	45	84	;	;	PUNCT
ajeer-267	45	85	collect	collect	VERB
ajeer-267	45	86	data	datum	NOUN
ajeer-267	45	87	and	and	CCONJ
ajeer-267	45	88	expand	expand	VERB
ajeer-267	45	89	scope	scope	NOUN
ajeer-267	45	90	;	;	PUNCT
ajeer-267	45	91	conduct	conduct	VERB
ajeer-267	45	92	further	further	ADJ
ajeer-267	45	93	researches	research	NOUN
ajeer-267	45	94	and	and	CCONJ
ajeer-267	45	95	analysis	analysis	NOUN
ajeer-267	45	96	of	of	ADP
ajeer-267	45	97	financial	financial	ADJ
ajeer-267	45	98	access	access	NOUN
ajeer-267	45	99	.	.	PUNCT
ajeer-267	46	1	2.2	2.2	NUM
ajeer-267	46	2	.	.	PUNCT
ajeer-267	47	1	experimental	experimental	ADJ
ajeer-267	47	2	researches	research	VERB
ajeer-267	47	3	2.2.1	2.2.1	NUM
ajeer-267	47	4	.	.	PUNCT
ajeer-267	48	1	researches	research	NOUN
ajeer-267	48	2	in	in	ADP
ajeer-267	48	3	the	the	DET
ajeer-267	48	4	world	world	NOUN
ajeer-267	48	5	ololade	ololade	NOUN
ajeer-267	48	6	and	and	CCONJ
ajeer-267	48	7	olagunju	olagunju	PROPN
ajeer-267	48	8	(	(	PUNCT
ajeer-267	48	9	2013	2013	NUM
ajeer-267	48	10	)	)	PUNCT
ajeer-267	48	11	analyzed	analyze	VERB
ajeer-267	48	12	the	the	DET
ajeer-267	48	13	factors	factor	NOUN
ajeer-267	48	14	affecting	affect	VERB
ajeer-267	48	15	the	the	DET
ajeer-267	48	16	credit	credit	NOUN
ajeer-267	48	17	accessibility	accessibility	NOUN
ajeer-267	48	18	of	of	ADP
ajeer-267	48	19	rural	rural	ADJ
ajeer-267	48	20	households	household	NOUN
ajeer-267	48	21	in	in	ADP
ajeer-267	48	22	oyo	oyo	NOUN
ajeer-267	48	23	,	,	PUNCT
ajeer-267	48	24	nigeria	nigeria	PROPN
ajeer-267	48	25	,	,	PUNCT
ajeer-267	48	26	using	use	VERB
ajeer-267	48	27	primary	primary	ADJ
ajeer-267	48	28	data	datum	NOUN
ajeer-267	48	29	through	through	ADP
ajeer-267	48	30	questionnaires	questionnaire	NOUN
ajeer-267	48	31	collected	collect	VERB
ajeer-267	48	32	from	from	ADP
ajeer-267	48	33	210	210	NUM
ajeer-267	48	34	observations	observation	NOUN
ajeer-267	48	35	.	.	PUNCT
ajeer-267	49	1	based	base	VERB
ajeer-267	49	2	on	on	ADP
ajeer-267	49	3	descriptive	descriptive	ADJ
ajeer-267	49	4	statistics	statistic	NOUN
ajeer-267	49	5	results	result	NOUN
ajeer-267	49	6	and	and	CCONJ
ajeer-267	49	7	logistic	logistic	ADJ
ajeer-267	49	8	models	model	NOUN
ajeer-267	49	9	,	,	PUNCT
ajeer-267	49	10	the	the	DET
ajeer-267	49	11	research	research	NOUN
ajeer-267	49	12	showed	show	VERB
ajeer-267	49	13	that	that	SCONJ
ajeer-267	49	14	gender	gender	NOUN
ajeer-267	49	15	,	,	PUNCT
ajeer-267	49	16	marital	marital	ADJ
ajeer-267	49	17	status	status	NOUN
ajeer-267	49	18	,	,	PUNCT
ajeer-267	49	19	guarantee	guarantee	NOUN
ajeer-267	49	20	and	and	CCONJ
ajeer-267	49	21	high	high	ADJ
ajeer-267	49	22	interest	interest	NOUN
ajeer-267	49	23	rate	rate	NOUN
ajeer-267	49	24	are	be	AUX
ajeer-267	49	25	important	important	ADJ
ajeer-267	49	26	factors	factor	NOUN
ajeer-267	49	27	affecting	affect	VERB
ajeer-267	49	28	the	the	DET
ajeer-267	49	29	credit	credit	NOUN
ajeer-267	49	30	accessibility	accessibility	NOUN
ajeer-267	49	31	of	of	ADP
ajeer-267	49	32	rural	rural	ADJ
ajeer-267	49	33	households	household	NOUN
ajeer-267	49	34	.	.	PUNCT
ajeer-267	50	1	mwangi	mwangi	PROPN
ajeer-267	50	2	and	and	CCONJ
ajeer-267	50	3	sichei	sichei	PROPN
ajeer-267	50	4	(	(	PUNCT
ajeer-267	50	5	2011	2011	NUM
ajeer-267	50	6	)	)	PUNCT
ajeer-267	50	7	used	use	VERB
ajeer-267	50	8	a	a	DET
ajeer-267	50	9	polynomial	polynomial	ADJ
ajeer-267	50	10	probit	probit	NOUN
ajeer-267	50	11	model	model	NOUN
ajeer-267	50	12	to	to	PART
ajeer-267	50	13	look	look	VERB
ajeer-267	50	14	for	for	ADP
ajeer-267	50	15	factors	factor	NOUN
ajeer-267	50	16	affecting	affect	VERB
ajeer-267	50	17	the	the	DET
ajeer-267	50	18	credit	credit	NOUN
ajeer-267	50	19	accessibility	accessibility	NOUN
ajeer-267	50	20	of	of	ADP
ajeer-267	50	21	individuals	individual	NOUN
ajeer-267	50	22	residing	reside	VERB
ajeer-267	50	23	in	in	ADP
ajeer-267	50	24	kenya	kenya	PROPN
ajeer-267	50	25	based	base	VERB
ajeer-267	50	26	on	on	ADP
ajeer-267	50	27	kenya	kenya	PROPN
ajeer-267	50	28	's	's	PART
ajeer-267	50	29	national	national	PROPN
ajeer-267	50	30	finaccess	finaccess	NOUN
ajeer-267	50	31	survey	survey	NOUN
ajeer-267	50	32	in	in	ADP
ajeer-267	50	33	2006	2006	NUM
ajeer-267	50	34	and	and	CCONJ
ajeer-267	50	35	2009	2009	NUM
ajeer-267	50	36	.	.	PUNCT
ajeer-267	51	1	the	the	DET
ajeer-267	51	2	results	result	NOUN
ajeer-267	51	3	showed	show	VERB
ajeer-267	51	4	that	that	SCONJ
ajeer-267	51	5	the	the	DET
ajeer-267	51	6	household	household	NOUN
ajeer-267	51	7	size	size	NOUN
ajeer-267	51	8	reduces	reduce	VERB
ajeer-267	51	9	the	the	DET
ajeer-267	51	10	accessibility	accessibility	NOUN
ajeer-267	51	11	to	to	ADP
ajeer-267	51	12	loans	loan	NOUN
ajeer-267	51	13	from	from	ADP
ajeer-267	51	14	banks	bank	NOUN
ajeer-267	51	15	and	and	CCONJ
ajeer-267	51	16	accumulated	accumulate	VERB
ajeer-267	51	17	savings	saving	NOUN
ajeer-267	51	18	and	and	CCONJ
ajeer-267	51	19	credit	credit	NOUN
ajeer-267	51	20	associations	association	NOUN
ajeer-267	51	21	(	(	PUNCT
ajeer-267	51	22	ascas	ascas	PROPN
ajeer-267	51	23	)	)	PUNCT
ajeer-267	51	24	but	but	CCONJ
ajeer-267	51	25	promotes	promote	VERB
ajeer-267	51	26	borrowing	borrow	VERB
ajeer-267	51	27	from	from	ADP
ajeer-267	51	28	agricultural	agricultural	ADJ
ajeer-267	51	29	product	product	NOUN
ajeer-267	51	30	buyers	buyer	NOUN
ajeer-267	51	31	.	.	PUNCT
ajeer-267	52	1	the	the	DET
ajeer-267	52	2	geographical	geographical	ADJ
ajeer-267	52	3	distance	distance	NOUN
ajeer-267	52	4	between	between	ADP
ajeer-267	52	5	households	household	NOUN
ajeer-267	52	6	and	and	CCONJ
ajeer-267	52	7	credit	credit	NOUN
ajeer-267	52	8	providers	provider	NOUN
ajeer-267	52	9	has	have	VERB
ajeer-267	52	10	a	a	DET
ajeer-267	52	11	negative	negative	ADJ
ajeer-267	52	12	impact	impact	NOUN
ajeer-267	52	13	on	on	ADP
ajeer-267	52	14	the	the	DET
ajeer-267	52	15	credit	credit	NOUN
ajeer-267	52	16	accessibility	accessibility	NOUN
ajeer-267	52	17	.	.	PUNCT
ajeer-267	53	1	in	in	ADP
ajeer-267	53	2	contrast	contrast	NOUN
ajeer-267	53	3	,	,	PUNCT
ajeer-267	53	4	age	age	NOUN
ajeer-267	53	5	,	,	PUNCT
ajeer-267	53	6	educational	educational	ADJ
ajeer-267	53	7	level	level	NOUN
ajeer-267	53	8	and	and	CCONJ
ajeer-267	53	9	income	income	NOUN
ajeer-267	53	10	are	be	AUX
ajeer-267	53	11	factors	factor	NOUN
ajeer-267	53	12	that	that	PRON
ajeer-267	53	13	increase	increase	VERB
ajeer-267	53	14	the	the	DET
ajeer-267	53	15	credit	credit	NOUN
ajeer-267	53	16	accessibility	accessibility	NOUN
ajeer-267	53	17	.	.	PUNCT
ajeer-267	54	1	in	in	ADP
ajeer-267	54	2	particular	particular	ADJ
ajeer-267	54	3	,	,	PUNCT
ajeer-267	54	4	age	age	NOUN
ajeer-267	54	5	affects	affect	VERB
ajeer-267	54	6	the	the	DET
ajeer-267	54	7	credit	credit	NOUN
ajeer-267	54	8	accessibility	accessibility	NOUN
ajeer-267	54	9	in	in	ADP
ajeer-267	54	10	an	an	DET
ajeer-267	54	11	inverted	inverted	ADJ
ajeer-267	54	12	u	u	NOUN
ajeer-267	54	13	shape	shape	NOUN
ajeer-267	54	14	,	,	PUNCT
ajeer-267	54	15	which	which	PRON
ajeer-267	54	16	means	mean	VERB
ajeer-267	54	17	that	that	SCONJ
ajeer-267	54	18	the	the	DET
ajeer-267	54	19	closer	close	ADJ
ajeer-267	54	20	age	age	NOUN
ajeer-267	54	21	of	of	ADP
ajeer-267	54	22	retirement	retirement	NOUN
ajeer-267	54	23	is	be	AUX
ajeer-267	54	24	,	,	PUNCT
ajeer-267	54	25	the	the	DET
ajeer-267	54	26	more	more	ADV
ajeer-267	54	27	increasing	increase	VERB
ajeer-267	54	28	the	the	DET
ajeer-267	54	29	decrease	decrease	NOUN
ajeer-267	54	30	of	of	ADP
ajeer-267	54	31	accessibility	accessibility	NOUN
ajeer-267	54	32	is	be	AUX
ajeer-267	54	33	.	.	PUNCT
ajeer-267	55	1	kiplimo	kiplimo	PROPN
ajeer-267	55	2	et	et	PROPN
ajeer-267	55	3	al	al	PROPN
ajeer-267	55	4	.	.	PROPN
ajeer-267	56	1	(	(	PUNCT
ajeer-267	56	2	2015	2015	NUM
ajeer-267	56	3	)	)	PUNCT
ajeer-267	56	4	determined	determine	VERB
ajeer-267	56	5	the	the	DET
ajeer-267	56	6	factors	factor	NOUN
ajeer-267	56	7	affecting	affect	VERB
ajeer-267	56	8	the	the	DET
ajeer-267	56	9	credit	credit	NOUN
ajeer-267	56	10	accessibility	accessibility	NOUN
ajeer-267	56	11	of	of	ADP
ajeer-267	56	12	rural	rural	ADJ
ajeer-267	56	13	households	household	NOUN
ajeer-267	56	14	in	in	ADP
ajeer-267	56	15	kenya	kenya	PROPN
ajeer-267	56	16	.	.	PUNCT
ajeer-267	57	1	logistic	logistic	ADJ
ajeer-267	57	2	regression	regression	NOUN
ajeer-267	57	3	results	result	NOUN
ajeer-267	57	4	indicated	indicate	VERB
ajeer-267	57	5	that	that	SCONJ
ajeer-267	57	6	the	the	DET
ajeer-267	57	7	factors	factor	NOUN
ajeer-267	57	8	including	include	VERB
ajeer-267	57	9	educational	educational	ADJ
ajeer-267	57	10	level	level	NOUN
ajeer-267	57	11	,	,	PUNCT
ajeer-267	57	12	occupation	occupation	NOUN
ajeer-267	57	13	and	and	CCONJ
ajeer-267	57	14	access	access	NOUN
ajeer-267	57	15	to	to	ADP
ajeer-267	57	16	agricultural	agricultural	ADJ
ajeer-267	57	17	extension	extension	NOUN
ajeer-267	57	18	services	service	NOUN
ajeer-267	57	19	have	have	VERB
ajeer-267	57	20	a	a	DET
ajeer-267	57	21	positive	positive	ADJ
ajeer-267	57	22	and	and	CCONJ
ajeer-267	57	23	statistical	statistical	ADJ
ajeer-267	57	24	significant	significant	ADJ
ajeer-267	57	25	impact	impact	NOUN
ajeer-267	57	26	on	on	ADP
ajeer-267	57	27	the	the	DET
ajeer-267	57	28	credit	credit	NOUN
ajeer-267	57	29	accessibility	accessibility	NOUN
ajeer-267	57	30	.	.	PUNCT
ajeer-267	58	1	however	however	ADV
ajeer-267	58	2	,	,	PUNCT
ajeer-267	58	3	the	the	DET
ajeer-267	58	4	total	total	ADJ
ajeer-267	58	5	income	income	NOUN
ajeer-267	58	6	of	of	ADP
ajeer-267	58	7	a	a	DET
ajeer-267	58	8	household	household	NOUN
ajeer-267	58	9	and	and	CCONJ
ajeer-267	58	10	the	the	DET
ajeer-267	58	11	geographical	geographical	ADJ
ajeer-267	58	12	distance	distance	NOUN
ajeer-267	58	13	between	between	ADP
ajeer-267	58	14	such	such	ADJ
ajeer-267	58	15	household	household	NOUN
ajeer-267	58	16	and	and	CCONJ
ajeer-267	58	17	the	the	DET
ajeer-267	58	18	credit	credit	NOUN
ajeer-267	58	19	provider	provider	NOUN
ajeer-267	58	20	have	have	VERB
ajeer-267	58	21	a	a	DET
ajeer-267	58	22	negative	negative	ADJ
ajeer-267	58	23	impact	impact	NOUN
ajeer-267	58	24	on	on	ADP
ajeer-267	58	25	the	the	DET
ajeer-267	58	26	credit	credit	NOUN
ajeer-267	58	27	accessibility	accessibility	NOUN
ajeer-267	58	28	.	.	PUNCT
ajeer-267	59	1	asian	asian	ADJ
ajeer-267	59	2	journal	journal	PROPN
ajeer-267	59	3	of	of	ADP
ajeer-267	59	4	economics	economic	NOUN
ajeer-267	59	5	and	and	CCONJ
ajeer-267	59	6	empirical	empirical	ADJ
ajeer-267	59	7	research	research	NOUN
ajeer-267	59	8	,	,	PUNCT
ajeer-267	59	9	2019	2019	NUM
ajeer-267	59	10	,	,	PUNCT
ajeer-267	59	11	6(1	6(1	NUM
ajeer-267	59	12	):	):	PUNCT
ajeer-267	59	13	59	59	NUM
ajeer-267	59	14	-	-	SYM
ajeer-267	59	15	69	69	NUM
ajeer-267	59	16	61	61	NUM
ajeer-267	59	17	©	©	PROPN
ajeer-267	59	18	2019	2019	NUM
ajeer-267	59	19	by	by	ADP
ajeer-267	59	20	the	the	DET
ajeer-267	59	21	authors	author	NOUN
ajeer-267	59	22	;	;	PUNCT
ajeer-267	59	23	licensee	licensee	PROPN
ajeer-267	59	24	asian	asian	ADJ
ajeer-267	59	25	online	online	PROPN
ajeer-267	59	26	journal	journal	PROPN
ajeer-267	59	27	publishing	publishing	PROPN
ajeer-267	59	28	group	group	PROPN
ajeer-267	59	29	2.2.2	2.2.2	NUM
ajeer-267	59	30	.	.	PUNCT
ajeer-267	59	31	researches	research	NOUN
ajeer-267	59	32	in	in	ADP
ajeer-267	59	33	vietnam	vietnam	PROPN
ajeer-267	59	34	in	in	ADP
ajeer-267	59	35	vietnam	vietnam	PROPN
ajeer-267	59	36	,	,	PUNCT
ajeer-267	59	37	there	there	PRON
ajeer-267	59	38	have	have	AUX
ajeer-267	59	39	been	be	AUX
ajeer-267	59	40	some	some	DET
ajeer-267	59	41	researches	research	NOUN
ajeer-267	59	42	on	on	ADP
ajeer-267	59	43	factors	factor	NOUN
ajeer-267	59	44	affecting	affect	VERB
ajeer-267	59	45	the	the	DET
ajeer-267	59	46	credit	credit	NOUN
ajeer-267	59	47	accessibility	accessibility	NOUN
ajeer-267	59	48	in	in	ADP
ajeer-267	59	49	different	different	ADJ
ajeer-267	59	50	research	research	NOUN
ajeer-267	59	51	periods	period	NOUN
ajeer-267	59	52	and	and	CCONJ
ajeer-267	59	53	scopes	scope	NOUN
ajeer-267	59	54	of	of	ADP
ajeer-267	59	55	research	research	NOUN
ajeer-267	59	56	.	.	PUNCT
ajeer-267	60	1	nevertheless	nevertheless	ADV
ajeer-267	60	2	,	,	PUNCT
ajeer-267	60	3	the	the	DET
ajeer-267	60	4	research	research	NOUN
ajeer-267	60	5	results	result	NOUN
ajeer-267	60	6	are	be	AUX
ajeer-267	60	7	not	not	PART
ajeer-267	60	8	highly	highly	ADV
ajeer-267	60	9	consensus	consensus	NOUN
ajeer-267	60	10	among	among	ADP
ajeer-267	60	11	each	each	DET
ajeer-267	60	12	other	other	ADJ
ajeer-267	60	13	.	.	PUNCT
ajeer-267	61	1	+	+	CCONJ
ajeer-267	61	2	the	the	DET
ajeer-267	61	3	research	research	NOUN
ajeer-267	61	4	carried	carry	VERB
ajeer-267	61	5	out	out	ADP
ajeer-267	61	6	by	by	ADP
ajeer-267	61	7	nguyen	nguyen	NOUN
ajeer-267	61	8	and	and	CCONJ
ajeer-267	61	9	pham	pham	PROPN
ajeer-267	61	10	(	(	PUNCT
ajeer-267	61	11	2010	2010	NUM
ajeer-267	61	12	)	)	PUNCT
ajeer-267	61	13	investigating	investigate	VERB
ajeer-267	61	14	factors	factor	NOUN
ajeer-267	61	15	affecting	affect	VERB
ajeer-267	61	16	the	the	DET
ajeer-267	61	17	formal	formal	ADJ
ajeer-267	61	18	credit	credit	NOUN
ajeer-267	61	19	accessibility	accessibility	NOUN
ajeer-267	61	20	of	of	ADP
ajeer-267	61	21	rural	rural	ADJ
ajeer-267	61	22	households	household	NOUN
ajeer-267	61	23	nearly	nearly	ADV
ajeer-267	61	24	hanoi	hanoi	PROPN
ajeer-267	61	25	suburbs	suburb	NOUN
ajeer-267	61	26	showed	show	VERB
ajeer-267	61	27	that	that	SCONJ
ajeer-267	61	28	age	age	NOUN
ajeer-267	61	29	and	and	CCONJ
ajeer-267	61	30	social	social	ADJ
ajeer-267	61	31	status	status	NOUN
ajeer-267	61	32	of	of	ADP
ajeer-267	61	33	householder	householder	ADJ
ajeer-267	61	34	,	,	PUNCT
ajeer-267	61	35	informal	informal	ADJ
ajeer-267	61	36	credit	credit	NOUN
ajeer-267	61	37	and	and	CCONJ
ajeer-267	61	38	loan	loan	NOUN
ajeer-267	61	39	procedures	procedure	NOUN
ajeer-267	61	40	are	be	AUX
ajeer-267	61	41	important	important	ADJ
ajeer-267	61	42	factors	factor	NOUN
ajeer-267	61	43	affecting	affect	VERB
ajeer-267	61	44	the	the	DET
ajeer-267	61	45	formal	formal	ADJ
ajeer-267	61	46	credit	credit	NOUN
ajeer-267	61	47	accessibility	accessibility	NOUN
ajeer-267	61	48	of	of	ADP
ajeer-267	61	49	rural	rural	ADJ
ajeer-267	61	50	households	household	NOUN
ajeer-267	61	51	here	here	ADV
ajeer-267	61	52	.	.	PUNCT
ajeer-267	62	1	at	at	ADP
ajeer-267	62	2	the	the	DET
ajeer-267	62	3	same	same	ADJ
ajeer-267	62	4	time	time	NOUN
ajeer-267	62	5	,	,	PUNCT
ajeer-267	62	6	it	it	PRON
ajeer-267	62	7	indicated	indicate	VERB
ajeer-267	62	8	that	that	SCONJ
ajeer-267	62	9	the	the	DET
ajeer-267	62	10	borrowed	borrow	VERB
ajeer-267	62	11	credit	credit	NOUN
ajeer-267	62	12	capital	capital	NOUN
ajeer-267	62	13	is	be	AUX
ajeer-267	62	14	affected	affect	VERB
ajeer-267	62	15	by	by	ADP
ajeer-267	62	16	factors	factor	NOUN
ajeer-267	62	17	such	such	ADJ
ajeer-267	62	18	as	as	ADP
ajeer-267	62	19	educational	educational	ADJ
ajeer-267	62	20	level	level	NOUN
ajeer-267	62	21	of	of	ADP
ajeer-267	62	22	the	the	DET
ajeer-267	62	23	householder	householder	NOUN
ajeer-267	62	24	,	,	PUNCT
ajeer-267	62	25	household	household	NOUN
ajeer-267	62	26	income	income	NOUN
ajeer-267	62	27	,	,	PUNCT
ajeer-267	62	28	purpose	purpose	NOUN
ajeer-267	62	29	of	of	ADP
ajeer-267	62	30	borrowing	borrowing	NOUN
ajeer-267	62	31	,	,	PUNCT
ajeer-267	62	32	land	land	NOUN
ajeer-267	62	33	area	area	NOUN
ajeer-267	62	34	and	and	CCONJ
ajeer-267	62	35	collaterals	collateral	NOUN
ajeer-267	62	36	.	.	PUNCT
ajeer-267	63	1	+	+	CCONJ
ajeer-267	63	2	the	the	DET
ajeer-267	63	3	development	development	NOUN
ajeer-267	63	4	economics	economics	PROPN
ajeer-267	63	5	research	research	PROPN
ajeer-267	63	6	group	group	NOUN
ajeer-267	63	7	(	(	PUNCT
ajeer-267	63	8	derg	derg	PROPN
ajeer-267	63	9	)	)	PUNCT
ajeer-267	63	10	used	use	VERB
ajeer-267	63	11	heckman	heckman	PROPN
ajeer-267	63	12	's	's	PART
ajeer-267	63	13	sample	sample	NOUN
ajeer-267	63	14	selection	selection	NOUN
ajeer-267	63	15	model	model	NOUN
ajeer-267	63	16	and	and	CCONJ
ajeer-267	63	17	instrumental	instrumental	ADJ
ajeer-267	63	18	variable	variable	ADJ
ajeer-267	63	19	estimation	estimation	NOUN
ajeer-267	63	20	(	(	PUNCT
ajeer-267	63	21	i	i	PRON
ajeer-267	63	22	ve	ve	VERB
ajeer-267	63	23	)	)	PUNCT
ajeer-267	63	24	based	base	VERB
ajeer-267	63	25	on	on	ADP
ajeer-267	63	26	the	the	DET
ajeer-267	63	27	data	datum	NOUN
ajeer-267	63	28	from	from	ADP
ajeer-267	63	29	survey	survey	NOUN
ajeer-267	63	30	of	of	ADP
ajeer-267	63	31	accessibility	accessibility	NOUN
ajeer-267	63	32	to	to	ADP
ajeer-267	63	33	resources	resource	NOUN
ajeer-267	63	34	of	of	ADP
ajeer-267	63	35	vietnamese	vietnamese	ADJ
ajeer-267	63	36	households	household	NOUN
ajeer-267	63	37	in	in	ADP
ajeer-267	63	38	2006	2006	NUM
ajeer-267	63	39	,	,	PUNCT
ajeer-267	63	40	2008	2008	NUM
ajeer-267	63	41	and	and	CCONJ
ajeer-267	63	42	2010	2010	NUM
ajeer-267	63	43	.	.	PUNCT
ajeer-267	64	1	the	the	DET
ajeer-267	64	2	results	result	NOUN
ajeer-267	64	3	showed	show	VERB
ajeer-267	64	4	that	that	SCONJ
ajeer-267	64	5	the	the	DET
ajeer-267	64	6	credit	credit	NOUN
ajeer-267	64	7	accessibility	accessibility	NOUN
ajeer-267	64	8	in	in	ADP
ajeer-267	64	9	vietnamese	vietnamese	ADJ
ajeer-267	64	10	rural	rural	ADJ
ajeer-267	64	11	areas	area	NOUN
ajeer-267	64	12	is	be	AUX
ajeer-267	64	13	not	not	PART
ajeer-267	64	14	subject	subject	ADJ
ajeer-267	64	15	to	to	ADP
ajeer-267	64	16	many	many	ADJ
ajeer-267	64	17	credit	credit	NOUN
ajeer-267	64	18	barriers	barrier	NOUN
ajeer-267	64	19	.	.	PUNCT
ajeer-267	65	1	it	it	PRON
ajeer-267	65	2	is	be	AUX
ajeer-267	65	3	evidenced	evidence	VERB
ajeer-267	65	4	by	by	ADP
ajeer-267	65	5	that	that	SCONJ
ajeer-267	65	6	the	the	DET
ajeer-267	65	7	difference	difference	NOUN
ajeer-267	65	8	among	among	ADP
ajeer-267	65	9	characteristics	characteristic	NOUN
ajeer-267	65	10	of	of	ADP
ajeer-267	65	11	the	the	DET
ajeer-267	65	12	households	household	NOUN
ajeer-267	65	13	without	without	ADP
ajeer-267	65	14	credits	credit	NOUN
ajeer-267	65	15	and	and	CCONJ
ajeer-267	65	16	households	household	NOUN
ajeer-267	65	17	with	with	ADP
ajeer-267	65	18	credits	credit	NOUN
ajeer-267	65	19	is	be	AUX
ajeer-267	65	20	negligible	negligible	ADJ
ajeer-267	65	21	in	in	ADP
ajeer-267	65	22	aspects	aspect	NOUN
ajeer-267	65	23	of	of	ADP
ajeer-267	65	24	income	income	NOUN
ajeer-267	65	25	,	,	PUNCT
ajeer-267	65	26	educational	educational	ADJ
ajeer-267	65	27	level	level	NOUN
ajeer-267	65	28	,	,	PUNCT
ajeer-267	65	29	marital	marital	ADJ
ajeer-267	65	30	status	status	NOUN
ajeer-267	65	31	,	,	PUNCT
ajeer-267	65	32	ethnic	ethnic	ADJ
ajeer-267	65	33	group	group	NOUN
ajeer-267	65	34	and	and	CCONJ
ajeer-267	65	35	land	land	NOUN
ajeer-267	65	36	property	property	NOUN
ajeer-267	65	37	.	.	PUNCT
ajeer-267	66	1	in	in	ADP
ajeer-267	66	2	addition	addition	NOUN
ajeer-267	66	3	,	,	PUNCT
ajeer-267	66	4	organizations	organization	NOUN
ajeer-267	66	5	and	and	CCONJ
ajeer-267	66	6	unions	union	NOUN
ajeer-267	66	7	such	such	ADJ
ajeer-267	66	8	as	as	ADP
ajeer-267	66	9	the	the	DET
ajeer-267	66	10	farmers	farmer	NOUN
ajeer-267	66	11	associations	association	NOUN
ajeer-267	66	12	and	and	CCONJ
ajeer-267	66	13	women	woman	NOUN
ajeer-267	66	14	's	's	PART
ajeer-267	66	15	unions	union	NOUN
ajeer-267	66	16	play	play	VERB
ajeer-267	66	17	an	an	DET
ajeer-267	66	18	important	important	ADJ
ajeer-267	66	19	role	role	NOUN
ajeer-267	66	20	in	in	ADP
ajeer-267	66	21	the	the	DET
ajeer-267	66	22	credit	credit	NOUN
ajeer-267	66	23	accessibility	accessibility	NOUN
ajeer-267	66	24	of	of	ADP
ajeer-267	66	25	vietnamese	vietnamese	ADJ
ajeer-267	66	26	rural	rural	ADJ
ajeer-267	66	27	households	household	NOUN
ajeer-267	66	28	in	in	ADP
ajeer-267	66	29	relation	relation	NOUN
ajeer-267	66	30	to	to	ADP
ajeer-267	66	31	agricultural	agricultural	ADJ
ajeer-267	66	32	,	,	PUNCT
ajeer-267	66	33	non	non	ADJ
ajeer-267	66	34	-	-	ADJ
ajeer-267	66	35	agricultural	agricultural	ADJ
ajeer-267	66	36	and	and	CCONJ
ajeer-267	66	37	investment	investment	NOUN
ajeer-267	66	38	loans	loan	NOUN
ajeer-267	66	39	.	.	PUNCT
ajeer-267	67	1	nguyen	nguyen	NOUN
ajeer-267	67	2	(	(	PUNCT
ajeer-267	67	3	2007	2007	NUM
ajeer-267	67	4	)	)	PUNCT
ajeer-267	67	5	analyzed	analyze	VERB
ajeer-267	67	6	factors	factor	NOUN
ajeer-267	67	7	affecting	affect	VERB
ajeer-267	67	8	the	the	DET
ajeer-267	67	9	credit	credit	NOUN
ajeer-267	67	10	accessibility	accessibility	NOUN
ajeer-267	67	11	and	and	CCONJ
ajeer-267	67	12	borrowing	borrowing	NOUN
ajeer-267	67	13	behavior	behavior	NOUN
ajeer-267	67	14	in	in	ADP
ajeer-267	67	15	vietnam	vietnam	PROPN
ajeer-267	67	16	's	's	PART
ajeer-267	67	17	rural	rural	ADJ
ajeer-267	67	18	credit	credit	NOUN
ajeer-267	67	19	market	market	NOUN
ajeer-267	67	20	in	in	ADP
ajeer-267	67	21	the	the	DET
ajeer-267	67	22	period	period	NOUN
ajeer-267	67	23	1993	1993	NUM
ajeer-267	67	24	-	-	SYM
ajeer-267	67	25	1998	1998	NUM
ajeer-267	67	26	.	.	PUNCT
ajeer-267	68	1	by	by	ADP
ajeer-267	68	2	using	use	VERB
ajeer-267	68	3	tobit	tobit	NOUN
ajeer-267	68	4	,	,	PUNCT
ajeer-267	68	5	probit	probit	NOUN
ajeer-267	68	6	and	and	CCONJ
ajeer-267	68	7	heckman	heckman	PROPN
ajeer-267	68	8	models	model	NOUN
ajeer-267	68	9	,	,	PUNCT
ajeer-267	68	10	the	the	DET
ajeer-267	68	11	research	research	NOUN
ajeer-267	68	12	also	also	ADV
ajeer-267	68	13	proved	prove	VERB
ajeer-267	68	14	that	that	SCONJ
ajeer-267	68	15	the	the	DET
ajeer-267	68	16	credit	credit	NOUN
ajeer-267	68	17	accessibility	accessibility	NOUN
ajeer-267	68	18	in	in	ADP
ajeer-267	68	19	the	the	DET
ajeer-267	68	20	rural	rural	ADJ
ajeer-267	68	21	areas	area	NOUN
ajeer-267	68	22	is	be	AUX
ajeer-267	68	23	low	low	ADJ
ajeer-267	68	24	.	.	PUNCT
ajeer-267	69	1	evidence	evidence	NOUN
ajeer-267	69	2	pointing	point	VERB
ajeer-267	69	3	out	out	ADP
ajeer-267	69	4	important	important	ADJ
ajeer-267	69	5	factors	factor	NOUN
ajeer-267	69	6	affecting	affect	VERB
ajeer-267	69	7	the	the	DET
ajeer-267	69	8	credit	credit	NOUN
ajeer-267	69	9	accessibility	accessibility	NOUN
ajeer-267	69	10	of	of	ADP
ajeer-267	69	11	households	household	NOUN
ajeer-267	69	12	are	be	AUX
ajeer-267	69	13	educational	educational	ADJ
ajeer-267	69	14	level	level	NOUN
ajeer-267	69	15	,	,	PUNCT
ajeer-267	69	16	health	health	NOUN
ajeer-267	69	17	conditions	condition	NOUN
ajeer-267	69	18	,	,	PUNCT
ajeer-267	69	19	fixed	fix	VERB
ajeer-267	69	20	assets	asset	NOUN
ajeer-267	69	21	held	hold	VERB
ajeer-267	69	22	and	and	CCONJ
ajeer-267	69	23	distance	distance	NOUN
ajeer-267	69	24	from	from	ADP
ajeer-267	69	25	the	the	DET
ajeer-267	69	26	location	location	NOUN
ajeer-267	69	27	where	where	SCONJ
ajeer-267	69	28	households	household	NOUN
ajeer-267	69	29	are	be	AUX
ajeer-267	69	30	residing	reside	VERB
ajeer-267	69	31	to	to	ADP
ajeer-267	69	32	the	the	DET
ajeer-267	69	33	bank	bank	NOUN
ajeer-267	69	34	branches	branch	NOUN
ajeer-267	69	35	.	.	PUNCT
ajeer-267	70	1	nguyen	nguyen	PROPN
ajeer-267	70	2	et	et	PROPN
ajeer-267	70	3	al	al	PROPN
ajeer-267	70	4	.	.	PUNCT
ajeer-267	71	1	(	(	PUNCT
ajeer-267	71	2	2016	2016	NUM
ajeer-267	71	3	)	)	PUNCT
ajeer-267	71	4	studied	study	VERB
ajeer-267	71	5	factors	factor	NOUN
ajeer-267	71	6	affecting	affect	VERB
ajeer-267	71	7	the	the	DET
ajeer-267	71	8	formal	formal	ADJ
ajeer-267	71	9	credit	credit	NOUN
ajeer-267	71	10	accessibility	accessibility	NOUN
ajeer-267	71	11	of	of	ADP
ajeer-267	71	12	households	household	NOUN
ajeer-267	71	13	raising	raise	VERB
ajeer-267	71	14	black	black	ADJ
ajeer-267	71	15	tiger	tiger	NOUN
ajeer-267	71	16	shrimps	shrimp	NOUN
ajeer-267	71	17	in	in	ADP
ajeer-267	71	18	cau	cau	PROPN
ajeer-267	71	19	ngang	ngang	PROPN
ajeer-267	71	20	district	district	PROPN
ajeer-267	71	21	,	,	PUNCT
ajeer-267	71	22	tra	tra	PROPN
ajeer-267	71	23	vinh	vinh	PROPN
ajeer-267	71	24	province	province	PROPN
ajeer-267	71	25	.	.	PUNCT
ajeer-267	72	1	through	through	ADP
ajeer-267	72	2	their	their	PRON
ajeer-267	72	3	descriptive	descriptive	ADJ
ajeer-267	72	4	statistical	statistical	ADJ
ajeer-267	72	5	analysis	analysis	NOUN
ajeer-267	72	6	,	,	PUNCT
ajeer-267	72	7	this	this	DET
ajeer-267	72	8	research	research	NOUN
ajeer-267	72	9	group	group	NOUN
ajeer-267	72	10	pointed	point	VERB
ajeer-267	72	11	out	out	ADP
ajeer-267	72	12	that	that	SCONJ
ajeer-267	72	13	the	the	DET
ajeer-267	72	14	purpose	purpose	NOUN
ajeer-267	72	15	of	of	ADP
ajeer-267	72	16	formal	formal	ADJ
ajeer-267	72	17	credit	credit	NOUN
ajeer-267	72	18	borrowing	borrowing	NOUN
ajeer-267	72	19	by	by	ADP
ajeer-267	72	20	the	the	DET
ajeer-267	72	21	households	household	NOUN
ajeer-267	72	22	raising	raise	VERB
ajeer-267	72	23	black	black	ADJ
ajeer-267	72	24	tiger	tiger	NOUN
ajeer-267	72	25	shrimps	shrimp	NOUN
ajeer-267	72	26	in	in	ADP
ajeer-267	72	27	the	the	DET
ajeer-267	72	28	research	research	NOUN
ajeer-267	72	29	location	location	NOUN
ajeer-267	72	30	is	be	AUX
ajeer-267	72	31	to	to	PART
ajeer-267	72	32	expand	expand	VERB
ajeer-267	72	33	their	their	PRON
ajeer-267	72	34	production	production	NOUN
ajeer-267	72	35	scale	scale	NOUN
ajeer-267	72	36	.	.	PUNCT
ajeer-267	73	1	using	use	VERB
ajeer-267	73	2	the	the	DET
ajeer-267	73	3	tobit	tobit	NOUN
ajeer-267	73	4	model	model	NOUN
ajeer-267	73	5	based	base	VERB
ajeer-267	73	6	on	on	ADP
ajeer-267	73	7	primary	primary	ADJ
ajeer-267	73	8	data	datum	NOUN
ajeer-267	73	9	collected	collect	VERB
ajeer-267	73	10	in	in	ADP
ajeer-267	73	11	september	september	PROPN
ajeer-267	73	12	2015	2015	NUM
ajeer-267	73	13	from	from	ADP
ajeer-267	73	14	245	245	NUM
ajeer-267	73	15	rural	rural	ADJ
ajeer-267	73	16	households	household	NOUN
ajeer-267	73	17	with	with	ADP
ajeer-267	73	18	or	or	CCONJ
ajeer-267	73	19	without	without	ADP
ajeer-267	73	20	formal	formal	ADJ
ajeer-267	73	21	credit	credit	NOUN
ajeer-267	73	22	loans	loan	NOUN
ajeer-267	73	23	,	,	PUNCT
ajeer-267	73	24	evidence	evidence	NOUN
ajeer-267	73	25	showed	show	VERB
ajeer-267	73	26	that	that	SCONJ
ajeer-267	73	27	shrimp	shrimp	NOUN
ajeer-267	73	28	raising	raise	VERB
ajeer-267	73	29	area	area	NOUN
ajeer-267	73	30	,	,	PUNCT
ajeer-267	73	31	interest	interest	NOUN
ajeer-267	73	32	,	,	PUNCT
ajeer-267	73	33	borrowing	borrowing	NOUN
ajeer-267	73	34	procedures	procedure	NOUN
ajeer-267	73	35	,	,	PUNCT
ajeer-267	73	36	social	social	ADJ
ajeer-267	73	37	position	position	NOUN
ajeer-267	73	38	of	of	ADP
ajeer-267	73	39	households	household	NOUN
ajeer-267	73	40	and	and	CCONJ
ajeer-267	73	41	the	the	DET
ajeer-267	73	42	need	need	NOUN
ajeer-267	73	43	to	to	PART
ajeer-267	73	44	expand	expand	VERB
ajeer-267	73	45	production	production	NOUN
ajeer-267	73	46	scale	scale	NOUN
ajeer-267	73	47	are	be	AUX
ajeer-267	73	48	important	important	ADJ
ajeer-267	73	49	factors	factor	NOUN
ajeer-267	73	50	affecting	affect	VERB
ajeer-267	73	51	the	the	DET
ajeer-267	73	52	loan	loan	NOUN
ajeer-267	73	53	amount	amount	NOUN
ajeer-267	73	54	issued	issue	VERB
ajeer-267	73	55	to	to	ADP
ajeer-267	73	56	rural	rural	ADJ
ajeer-267	73	57	households	household	NOUN
ajeer-267	73	58	raising	raise	VERB
ajeer-267	73	59	black	black	ADJ
ajeer-267	73	60	tiger	tiger	NOUN
ajeer-267	73	61	shrimps	shrimp	NOUN
ajeer-267	73	62	in	in	ADP
ajeer-267	73	63	cau	cau	PROPN
ajeer-267	73	64	ngang	ngang	PROPN
ajeer-267	73	65	district	district	PROPN
ajeer-267	73	66	,	,	PUNCT
ajeer-267	73	67	tra	tra	PROPN
ajeer-267	73	68	vinh	vinh	PROPN
ajeer-267	73	69	province	province	PROPN
ajeer-267	73	70	.	.	PUNCT
ajeer-267	74	1	in	in	ADP
ajeer-267	74	2	particular	particular	ADJ
ajeer-267	74	3	,	,	PUNCT
ajeer-267	74	4	the	the	DET
ajeer-267	74	5	shrimp	shrimp	NOUN
ajeer-267	74	6	raising	raise	VERB
ajeer-267	74	7	area	area	NOUN
ajeer-267	74	8	has	have	VERB
ajeer-267	74	9	the	the	DET
ajeer-267	74	10	greatest	great	ADJ
ajeer-267	74	11	impact	impact	NOUN
ajeer-267	74	12	on	on	ADP
ajeer-267	74	13	the	the	DET
ajeer-267	74	14	loan	loan	NOUN
ajeer-267	74	15	amount	amount	NOUN
ajeer-267	74	16	issued	issue	VERB
ajeer-267	74	17	to	to	ADP
ajeer-267	74	18	rural	rural	ADJ
ajeer-267	74	19	households	household	NOUN
ajeer-267	74	20	raising	raise	VERB
ajeer-267	74	21	black	black	ADJ
ajeer-267	74	22	tiger	tiger	NOUN
ajeer-267	74	23	shrimps	shrimp	NOUN
ajeer-267	74	24	.	.	PUNCT
ajeer-267	75	1	using	use	VERB
ajeer-267	75	2	logistic	logistic	ADJ
ajeer-267	75	3	and	and	CCONJ
ajeer-267	75	4	ordinary	ordinary	ADJ
ajeer-267	75	5	least	least	ADJ
ajeer-267	75	6	square	square	ADJ
ajeer-267	75	7	(	(	PUNCT
ajeer-267	75	8	ols	ol	NOUN
ajeer-267	75	9	)	)	PUNCT
ajeer-267	75	10	regression	regression	NOUN
ajeer-267	75	11	models	model	NOUN
ajeer-267	75	12	,	,	PUNCT
ajeer-267	75	13	tran	tran	PROPN
ajeer-267	75	14	and	and	CCONJ
ajeer-267	75	15	huynh	huynh	PROPN
ajeer-267	75	16	(	(	PUNCT
ajeer-267	75	17	2013	2013	NUM
ajeer-267	75	18	)	)	PUNCT
ajeer-267	75	19	analyzed	analyze	VERB
ajeer-267	75	20	factors	factor	NOUN
ajeer-267	75	21	affecting	affect	VERB
ajeer-267	75	22	the	the	DET
ajeer-267	75	23	formal	formal	ADJ
ajeer-267	75	24	credit	credit	NOUN
ajeer-267	75	25	accessibility	accessibility	NOUN
ajeer-267	75	26	of	of	ADP
ajeer-267	75	27	rural	rural	ADJ
ajeer-267	75	28	households	household	NOUN
ajeer-267	75	29	in	in	ADP
ajeer-267	75	30	an	an	DET
ajeer-267	75	31	giang	giang	PROPN
ajeer-267	75	32	province	province	NOUN
ajeer-267	75	33	.	.	PUNCT
ajeer-267	76	1	the	the	DET
ajeer-267	76	2	research	research	NOUN
ajeer-267	76	3	used	use	VERB
ajeer-267	76	4	primary	primary	ADJ
ajeer-267	76	5	data	datum	NOUN
ajeer-267	76	6	through	through	ADP
ajeer-267	76	7	random	random	ADJ
ajeer-267	76	8	surveys	survey	NOUN
ajeer-267	76	9	and	and	CCONJ
ajeer-267	76	10	interviews	interview	NOUN
ajeer-267	76	11	with	with	ADP
ajeer-267	76	12	150	150	NUM
ajeer-267	76	13	households	household	NOUN
ajeer-267	76	14	in	in	ADP
ajeer-267	76	15	december	december	PROPN
ajeer-267	76	16	2010	2010	NUM
ajeer-267	76	17	in	in	ADP
ajeer-267	76	18	3	3	NUM
ajeer-267	76	19	districts	district	NOUN
ajeer-267	76	20	of	of	ADP
ajeer-267	76	21	an	an	DET
ajeer-267	76	22	giang	giang	PROPN
ajeer-267	76	23	province	province	NOUN
ajeer-267	76	24	including	include	VERB
ajeer-267	76	25	chau	chau	NOUN
ajeer-267	76	26	phu	phu	PROPN
ajeer-267	76	27	,	,	PUNCT
ajeer-267	76	28	phu	phu	PROPN
ajeer-267	76	29	tan	tan	PROPN
ajeer-267	76	30	and	and	CCONJ
ajeer-267	76	31	cho	cho	PROPN
ajeer-267	76	32	moi	moi	PROPN
ajeer-267	76	33	.	.	PUNCT
ajeer-267	77	1	the	the	DET
ajeer-267	77	2	results	result	NOUN
ajeer-267	77	3	explained	explain	VERB
ajeer-267	77	4	that	that	SCONJ
ajeer-267	77	5	the	the	DET
ajeer-267	77	6	percentage	percentage	NOUN
ajeer-267	77	7	of	of	ADP
ajeer-267	77	8	households	household	NOUN
ajeer-267	77	9	approved	approve	VERB
ajeer-267	77	10	to	to	PART
ajeer-267	77	11	borrow	borrow	VERB
ajeer-267	77	12	is	be	AUX
ajeer-267	77	13	24	24	NUM
ajeer-267	77	14	%	%	NOUN
ajeer-267	77	15	less	less	ADJ
ajeer-267	77	16	than	than	ADP
ajeer-267	77	17	the	the	DET
ajeer-267	77	18	credit	credit	NOUN
ajeer-267	77	19	demand	demand	NOUN
ajeer-267	77	20	or	or	CCONJ
ajeer-267	77	21	limit	limit	NOUN
ajeer-267	77	22	.	.	PUNCT
ajeer-267	78	1	based	base	VERB
ajeer-267	78	2	on	on	ADP
ajeer-267	78	3	the	the	DET
ajeer-267	78	4	logistic	logistic	ADJ
ajeer-267	78	5	model	model	NOUN
ajeer-267	78	6	estimation	estimation	NOUN
ajeer-267	78	7	analysis	analysis	NOUN
ajeer-267	78	8	,	,	PUNCT
ajeer-267	78	9	the	the	DET
ajeer-267	78	10	probability	probability	NOUN
ajeer-267	78	11	of	of	ADP
ajeer-267	78	12	credit	credit	NOUN
ajeer-267	78	13	limit	limit	NOUN
ajeer-267	78	14	of	of	ADP
ajeer-267	78	15	rural	rural	ADJ
ajeer-267	78	16	households	household	NOUN
ajeer-267	78	17	is	be	AUX
ajeer-267	78	18	affected	affect	VERB
ajeer-267	78	19	by	by	ADP
ajeer-267	78	20	some	some	DET
ajeer-267	78	21	factors	factor	NOUN
ajeer-267	78	22	including	include	VERB
ajeer-267	78	23	(	(	PUNCT
ajeer-267	78	24	i	i	NOUN
ajeer-267	78	25	)	)	PUNCT
ajeer-267	78	26	educational	educational	ADJ
ajeer-267	78	27	level	level	NOUN
ajeer-267	78	28	;	;	PUNCT
ajeer-267	78	29	(	(	PUNCT
ajeer-267	78	30	ii	ii	NOUN
ajeer-267	78	31	)	)	PUNCT
ajeer-267	78	32	occupation	occupation	NOUN
ajeer-267	78	33	of	of	ADP
ajeer-267	78	34	the	the	DET
ajeer-267	78	35	householder	householder	NOUN
ajeer-267	78	36	;	;	PUNCT
ajeer-267	78	37	(	(	PUNCT
ajeer-267	78	38	iii	iii	X
ajeer-267	78	39	)	)	PUNCT
ajeer-267	78	40	residential	residential	ADJ
ajeer-267	78	41	land	land	NOUN
ajeer-267	78	42	area	area	NOUN
ajeer-267	78	43	;	;	PUNCT
ajeer-267	78	44	(	(	PUNCT
ajeer-267	78	45	iv	iv	X
ajeer-267	78	46	)	)	PUNCT
ajeer-267	78	47	asset	asset	NOUN
ajeer-267	78	48	value	value	NOUN
ajeer-267	78	49	of	of	ADP
ajeer-267	78	50	household	household	NOUN
ajeer-267	78	51	;	;	PUNCT
ajeer-267	78	52	(	(	PUNCT
ajeer-267	78	53	v	v	NOUN
ajeer-267	78	54	)	)	PUNCT
ajeer-267	78	55	use	use	NOUN
ajeer-267	78	56	of	of	ADP
ajeer-267	78	57	commercial	commercial	ADJ
ajeer-267	78	58	credit	credit	NOUN
ajeer-267	78	59	.	.	PUNCT
ajeer-267	79	1	additionally	additionally	ADV
ajeer-267	79	2	,	,	PUNCT
ajeer-267	79	3	the	the	DET
ajeer-267	79	4	ols	ol	NOUN
ajeer-267	79	5	multivariate	multivariate	PROPN
ajeer-267	79	6	regression	regression	NOUN
ajeer-267	79	7	analysis	analysis	NOUN
ajeer-267	79	8	results	result	NOUN
ajeer-267	79	9	reflected	reflect	VERB
ajeer-267	79	10	that	that	SCONJ
ajeer-267	79	11	the	the	DET
ajeer-267	79	12	formal	formal	ADJ
ajeer-267	79	13	credit	credit	NOUN
ajeer-267	79	14	capital	capital	NOUN
ajeer-267	79	15	is	be	AUX
ajeer-267	79	16	affected	affect	VERB
ajeer-267	79	17	by	by	ADP
ajeer-267	79	18	the	the	DET
ajeer-267	79	19	following	following	ADJ
ajeer-267	79	20	factors	factor	NOUN
ajeer-267	79	21	:	:	PUNCT
ajeer-267	79	22	(	(	PUNCT
ajeer-267	79	23	i	i	NOUN
ajeer-267	79	24	)	)	PUNCT
ajeer-267	79	25	social	social	ADJ
ajeer-267	79	26	relations	relation	NOUN
ajeer-267	79	27	of	of	ADP
ajeer-267	79	28	the	the	DET
ajeer-267	79	29	householder	householder	NOUN
ajeer-267	79	30	;	;	PUNCT
ajeer-267	79	31	(	(	PUNCT
ajeer-267	79	32	ii	ii	NOUN
ajeer-267	79	33	)	)	PUNCT
ajeer-267	79	34	purpose	purpose	NOUN
ajeer-267	79	35	of	of	ADP
ajeer-267	79	36	borrowing	borrowing	NOUN
ajeer-267	79	37	;	;	PUNCT
ajeer-267	79	38	(	(	PUNCT
ajeer-267	79	39	iii	iii	X
ajeer-267	79	40	)	)	PUNCT
ajeer-267	79	41	asset	asset	NOUN
ajeer-267	79	42	value	value	NOUN
ajeer-267	79	43	;	;	PUNCT
ajeer-267	79	44	(	(	PUNCT
ajeer-267	79	45	iv	iv	X
ajeer-267	79	46	)	)	PUNCT
ajeer-267	79	47	household	household	NOUN
ajeer-267	79	48	income	income	NOUN
ajeer-267	79	49	.	.	PUNCT
ajeer-267	80	1	bui	bui	NOUN
ajeer-267	80	2	and	and	CCONJ
ajeer-267	80	3	truong	truong	PROPN
ajeer-267	80	4	(	(	PUNCT
ajeer-267	80	5	2014	2014	NUM
ajeer-267	80	6	)	)	PUNCT
ajeer-267	80	7	investigated	investigate	VERB
ajeer-267	80	8	the	the	DET
ajeer-267	80	9	formal	formal	ADJ
ajeer-267	80	10	credit	credit	NOUN
ajeer-267	80	11	capital	capital	NOUN
ajeer-267	80	12	accessibility	accessibility	NOUN
ajeer-267	80	13	of	of	ADP
ajeer-267	80	14	households	household	NOUN
ajeer-267	80	15	raising	raise	VERB
ajeer-267	80	16	shrimps	shrimp	NOUN
ajeer-267	80	17	based	base	VERB
ajeer-267	80	18	on	on	ADP
ajeer-267	80	19	primary	primary	ADJ
ajeer-267	80	20	data	datum	NOUN
ajeer-267	80	21	collected	collect	VERB
ajeer-267	80	22	from	from	ADP
ajeer-267	80	23	242	242	NUM
ajeer-267	80	24	households	household	NOUN
ajeer-267	80	25	through	through	ADP
ajeer-267	80	26	interviews	interview	NOUN
ajeer-267	80	27	in	in	ADP
ajeer-267	80	28	10	10	NUM
ajeer-267	80	29	communes	commune	NOUN
ajeer-267	80	30	of	of	ADP
ajeer-267	80	31	3	3	NUM
ajeer-267	80	32	districts	district	NOUN
ajeer-267	80	33	that	that	PRON
ajeer-267	80	34	have	have	VERB
ajeer-267	80	35	large	large	ADJ
ajeer-267	80	36	shrimp	shrimp	NOUN
ajeer-267	80	37	raising	raise	VERB
ajeer-267	80	38	areas	area	NOUN
ajeer-267	80	39	in	in	ADP
ajeer-267	80	40	tra	tra	PROPN
ajeer-267	80	41	vinh	vinh	PROPN
ajeer-267	80	42	province	province	PROPN
ajeer-267	80	43	.	.	PUNCT
ajeer-267	81	1	evidence	evidence	NOUN
ajeer-267	81	2	indicated	indicate	VERB
ajeer-267	81	3	that	that	SCONJ
ajeer-267	81	4	5	5	NUM
ajeer-267	81	5	factors	factor	NOUN
ajeer-267	81	6	positively	positively	ADV
ajeer-267	81	7	impacting	impact	VERB
ajeer-267	81	8	on	on	ADP
ajeer-267	81	9	the	the	DET
ajeer-267	81	10	formal	formal	ADJ
ajeer-267	81	11	credit	credit	NOUN
ajeer-267	81	12	capital	capital	NOUN
ajeer-267	81	13	accessibility	accessibility	NOUN
ajeer-267	81	14	of	of	ADP
ajeer-267	81	15	households	household	NOUN
ajeer-267	81	16	raising	raise	VERB
ajeer-267	81	17	shrimps	shrimp	NOUN
ajeer-267	81	18	are	be	AUX
ajeer-267	81	19	(	(	PUNCT
ajeer-267	81	20	i	i	NOUN
ajeer-267	81	21	)	)	PUNCT
ajeer-267	81	22	household	household	NOUN
ajeer-267	81	23	income	income	NOUN
ajeer-267	81	24	;	;	PUNCT
ajeer-267	81	25	(	(	PUNCT
ajeer-267	81	26	ii	ii	NOUN
ajeer-267	81	27	)	)	PUNCT
ajeer-267	81	28	occupational	occupational	ADJ
ajeer-267	81	29	duration	duration	NOUN
ajeer-267	81	30	(	(	PUNCT
ajeer-267	81	31	production	production	NOUN
ajeer-267	81	32	experience	experience	NOUN
ajeer-267	81	33	)	)	PUNCT
ajeer-267	81	34	;	;	PUNCT
ajeer-267	81	35	(	(	PUNCT
ajeer-267	81	36	iii	iii	X
ajeer-267	81	37	)	)	PUNCT
ajeer-267	81	38	loan	loan	NOUN
ajeer-267	81	39	interest	interest	NOUN
ajeer-267	81	40	rate	rate	NOUN
ajeer-267	81	41	of	of	ADP
ajeer-267	81	42	the	the	DET
ajeer-267	81	43	household	household	NOUN
ajeer-267	81	44	;	;	PUNCT
ajeer-267	81	45	(	(	PUNCT
ajeer-267	81	46	iv	iv	X
ajeer-267	81	47	)	)	PUNCT
ajeer-267	81	48	number	number	NOUN
ajeer-267	81	49	of	of	ADP
ajeer-267	81	50	borrowing	borrowing	NOUN
ajeer-267	81	51	transactions	transaction	NOUN
ajeer-267	81	52	with	with	ADP
ajeer-267	81	53	credit	credit	NOUN
ajeer-267	81	54	institutions	institution	NOUN
ajeer-267	81	55	of	of	ADP
ajeer-267	81	56	the	the	DET
ajeer-267	81	57	household	household	NOUN
ajeer-267	81	58	;	;	PUNCT
ajeer-267	81	59	(	(	PUNCT
ajeer-267	81	60	v	v	NOUN
ajeer-267	81	61	)	)	PUNCT
ajeer-267	81	62	number	number	NOUN
ajeer-267	81	63	of	of	ADP
ajeer-267	81	64	local	local	ADJ
ajeer-267	81	65	credit	credit	NOUN
ajeer-267	81	66	institutions	institution	NOUN
ajeer-267	81	67	.	.	PUNCT
ajeer-267	82	1	on	on	ADP
ajeer-267	82	2	the	the	DET
ajeer-267	82	3	other	other	ADJ
ajeer-267	82	4	hand	hand	NOUN
ajeer-267	82	5	,	,	PUNCT
ajeer-267	82	6	the	the	DET
ajeer-267	82	7	distance	distance	NOUN
ajeer-267	82	8	from	from	ADP
ajeer-267	82	9	the	the	DET
ajeer-267	82	10	place	place	NOUN
ajeer-267	82	11	where	where	SCONJ
ajeer-267	82	12	the	the	DET
ajeer-267	82	13	household	household	NOUN
ajeer-267	82	14	is	be	AUX
ajeer-267	82	15	residing	reside	VERB
ajeer-267	82	16	to	to	ADP
ajeer-267	82	17	the	the	DET
ajeer-267	82	18	district	district	NOUN
ajeer-267	82	19	center	center	NOUN
ajeer-267	82	20	is	be	AUX
ajeer-267	82	21	considered	consider	VERB
ajeer-267	82	22	as	as	ADP
ajeer-267	82	23	a	a	DET
ajeer-267	82	24	negative	negative	ADJ
ajeer-267	82	25	factor	factor	NOUN
ajeer-267	82	26	affecting	affect	VERB
ajeer-267	82	27	the	the	DET
ajeer-267	82	28	formal	formal	ADJ
ajeer-267	82	29	credit	credit	NOUN
ajeer-267	82	30	capital	capital	NOUN
ajeer-267	82	31	accessibility	accessibility	NOUN
ajeer-267	82	32	of	of	ADP
ajeer-267	82	33	households	household	NOUN
ajeer-267	82	34	raising	raise	VERB
ajeer-267	82	35	shrimps	shrimp	NOUN
ajeer-267	82	36	in	in	ADP
ajeer-267	82	37	tra	tra	PROPN
ajeer-267	82	38	vinh	vinh	PROPN
ajeer-267	82	39	province	province	PROPN
ajeer-267	82	40	.	.	PUNCT
ajeer-267	83	1	to	to	PART
ajeer-267	83	2	identify	identify	VERB
ajeer-267	83	3	the	the	DET
ajeer-267	83	4	factors	factor	NOUN
ajeer-267	83	5	affecting	affect	VERB
ajeer-267	83	6	the	the	DET
ajeer-267	83	7	formal	formal	ADJ
ajeer-267	83	8	credit	credit	NOUN
ajeer-267	83	9	capital	capital	NOUN
ajeer-267	83	10	accessibility	accessibility	NOUN
ajeer-267	83	11	of	of	ADP
ajeer-267	83	12	households	household	NOUN
ajeer-267	83	13	raising	raise	VERB
ajeer-267	83	14	pigs	pig	NOUN
ajeer-267	83	15	in	in	ADP
ajeer-267	83	16	o	o	PROPN
ajeer-267	83	17	mon	mon	PROPN
ajeer-267	83	18	district	district	NOUN
ajeer-267	83	19	,	,	PUNCT
ajeer-267	83	20	can	can	AUX
ajeer-267	83	21	tho	tho	PROPN
ajeer-267	83	22	city	city	PROPN
ajeer-267	83	23	,	,	PUNCT
ajeer-267	83	24	vuong	vuong	PROPN
ajeer-267	83	25	and	and	CCONJ
ajeer-267	83	26	dang	dang	INTJ
ajeer-267	83	27	(	(	PUNCT
ajeer-267	83	28	2015	2015	NUM
ajeer-267	83	29	)	)	PUNCT
ajeer-267	83	30	used	use	VERB
ajeer-267	83	31	the	the	DET
ajeer-267	83	32	probit	probit	NOUN
ajeer-267	83	33	regression	regression	NOUN
ajeer-267	83	34	model	model	NOUN
ajeer-267	83	35	based	base	VERB
ajeer-267	83	36	on	on	ADP
ajeer-267	83	37	primary	primary	ADJ
ajeer-267	83	38	data	datum	NOUN
ajeer-267	83	39	through	through	ADP
ajeer-267	83	40	direct	direct	ADJ
ajeer-267	83	41	interviews	interview	NOUN
ajeer-267	83	42	with	with	ADP
ajeer-267	83	43	223	223	NUM
ajeer-267	83	44	households	household	NOUN
ajeer-267	83	45	raising	raise	VERB
ajeer-267	83	46	pigs	pig	NOUN
ajeer-267	83	47	in	in	ADP
ajeer-267	83	48	the	the	DET
ajeer-267	83	49	research	research	NOUN
ajeer-267	83	50	area	area	NOUN
ajeer-267	83	51	.	.	PUNCT
ajeer-267	84	1	the	the	DET
ajeer-267	84	2	research	research	NOUN
ajeer-267	84	3	pointed	point	VERB
ajeer-267	84	4	out	out	ADP
ajeer-267	84	5	the	the	DET
ajeer-267	84	6	factors	factor	NOUN
ajeer-267	84	7	that	that	PRON
ajeer-267	84	8	have	have	VERB
ajeer-267	84	9	a	a	DET
ajeer-267	84	10	significant	significant	ADJ
ajeer-267	84	11	impact	impact	NOUN
ajeer-267	84	12	on	on	ADP
ajeer-267	84	13	the	the	DET
ajeer-267	84	14	formal	formal	ADJ
ajeer-267	84	15	credit	credit	NOUN
ajeer-267	84	16	capital	capital	NOUN
ajeer-267	84	17	accessibility	accessibility	NOUN
ajeer-267	84	18	are	be	AUX
ajeer-267	84	19	:	:	PUNCT
ajeer-267	84	20	(	(	PUNCT
ajeer-267	84	21	i	i	NOUN
ajeer-267	84	22	)	)	PUNCT
ajeer-267	84	23	gender	gender	NOUN
ajeer-267	84	24	of	of	ADP
ajeer-267	84	25	the	the	DET
ajeer-267	84	26	householder	householder	NOUN
ajeer-267	84	27	;	;	PUNCT
ajeer-267	84	28	(	(	PUNCT
ajeer-267	84	29	ii	ii	NOUN
ajeer-267	84	30	)	)	PUNCT
ajeer-267	84	31	educational	educational	ADJ
ajeer-267	84	32	level	level	NOUN
ajeer-267	84	33	of	of	ADP
ajeer-267	84	34	the	the	DET
ajeer-267	84	35	householder	householder	NOUN
ajeer-267	84	36	;	;	PUNCT
ajeer-267	84	37	(	(	PUNCT
ajeer-267	84	38	iii	iii	X
ajeer-267	84	39	)	)	PUNCT
ajeer-267	84	40	age	age	NOUN
ajeer-267	84	41	of	of	ADP
ajeer-267	84	42	the	the	DET
ajeer-267	84	43	householder	householder	NOUN
ajeer-267	84	44	;	;	PUNCT
ajeer-267	84	45	(	(	PUNCT
ajeer-267	84	46	iv	iv	X
ajeer-267	84	47	)	)	PUNCT
ajeer-267	84	48	social	social	ADJ
ajeer-267	84	49	position	position	NOUN
ajeer-267	84	50	of	of	ADP
ajeer-267	84	51	the	the	DET
ajeer-267	84	52	household	household	NOUN
ajeer-267	84	53	;	;	PUNCT
ajeer-267	84	54	(	(	PUNCT
ajeer-267	84	55	v	v	NOUN
ajeer-267	84	56	)	)	PUNCT
ajeer-267	84	57	household	household	NOUN
ajeer-267	84	58	income	income	NOUN
ajeer-267	84	59	.	.	PUNCT
ajeer-267	85	1	based	base	VERB
ajeer-267	85	2	on	on	ADP
ajeer-267	85	3	the	the	DET
ajeer-267	85	4	primary	primary	ADJ
ajeer-267	85	5	data	datum	NOUN
ajeer-267	85	6	collected	collect	VERB
ajeer-267	85	7	from	from	ADP
ajeer-267	85	8	919	919	NUM
ajeer-267	85	9	households	household	NOUN
ajeer-267	85	10	through	through	ADP
ajeer-267	85	11	interviews	interview	NOUN
ajeer-267	85	12	,	,	PUNCT
ajeer-267	85	13	phan	phan	PROPN
ajeer-267	85	14	(	(	PUNCT
ajeer-267	85	15	2013	2013	NUM
ajeer-267	85	16	)	)	PUNCT
ajeer-267	85	17	analyzed	analyze	VERB
ajeer-267	85	18	the	the	DET
ajeer-267	85	19	factors	factor	NOUN
ajeer-267	85	20	affecting	affect	VERB
ajeer-267	85	21	the	the	DET
ajeer-267	85	22	formal	formal	ADJ
ajeer-267	85	23	and	and	CCONJ
ajeer-267	85	24	informal	informal	ADJ
ajeer-267	85	25	credit	credit	NOUN
ajeer-267	85	26	accessibility	accessibility	NOUN
ajeer-267	85	27	of	of	ADP
ajeer-267	85	28	rural	rural	ADJ
ajeer-267	85	29	households	household	NOUN
ajeer-267	85	30	in	in	ADP
ajeer-267	85	31	13	13	NUM
ajeer-267	85	32	provinces	province	NOUN
ajeer-267	85	33	in	in	ADP
ajeer-267	85	34	the	the	DET
ajeer-267	85	35	mekong	mekong	PROPN
ajeer-267	85	36	delta	delta	NOUN
ajeer-267	85	37	.	.	PUNCT
ajeer-267	86	1	using	use	VERB
ajeer-267	86	2	conditional	conditional	ADJ
ajeer-267	86	3	mixed	mixed	ADJ
ajeer-267	86	4	process	process	NOUN
ajeer-267	86	5	(	(	PUNCT
ajeer-267	86	6	cmp	cmp	NOUN
ajeer-267	86	7	)	)	PUNCT
ajeer-267	86	8	developed	develop	VERB
ajeer-267	86	9	by	by	ADP
ajeer-267	86	10	roodman	roodman	NOUN
ajeer-267	86	11	(	(	PUNCT
ajeer-267	86	12	2009	2009	NUM
ajeer-267	86	13	)	)	PUNCT
ajeer-267	86	14	probit	probit	NOUN
ajeer-267	86	15	estimation	estimation	NOUN
ajeer-267	86	16	,	,	PUNCT
ajeer-267	86	17	tobit	tobit	NOUN
ajeer-267	86	18	estimation	estimation	NOUN
ajeer-267	86	19	and	and	CCONJ
ajeer-267	86	20	heckman	heckman	PROPN
ajeer-267	86	21	's	's	PART
ajeer-267	86	22	two	two	NUM
ajeer-267	86	23	-	-	PUNCT
ajeer-267	86	24	stage	stage	NOUN
ajeer-267	86	25	regression	regression	NOUN
ajeer-267	86	26	models	model	NOUN
ajeer-267	86	27	,	,	PUNCT
ajeer-267	86	28	the	the	DET
ajeer-267	86	29	evidence	evidence	NOUN
ajeer-267	86	30	showed	show	VERB
ajeer-267	86	31	that	that	SCONJ
ajeer-267	86	32	3	3	NUM
ajeer-267	86	33	factors	factor	NOUN
ajeer-267	86	34	having	have	VERB
ajeer-267	86	35	important	important	ADJ
ajeer-267	86	36	influence	influence	NOUN
ajeer-267	86	37	to	to	ADP
ajeer-267	86	38	informal	informal	ADJ
ajeer-267	86	39	loans	loan	NOUN
ajeer-267	86	40	include	include	VERB
ajeer-267	86	41	land	land	NOUN
ajeer-267	86	42	ownership	ownership	NOUN
ajeer-267	86	43	,	,	PUNCT
ajeer-267	86	44	official	official	ADJ
ajeer-267	86	45	interest	interest	NOUN
ajeer-267	86	46	rates	rate	NOUN
ajeer-267	86	47	and	and	CCONJ
ajeer-267	86	48	loan	loan	NOUN
ajeer-267	86	49	terms	term	NOUN
ajeer-267	86	50	.	.	PUNCT
ajeer-267	87	1	for	for	ADP
ajeer-267	87	2	microcredit	microcredit	NOUN
ajeer-267	87	3	accessibility	accessibility	NOUN
ajeer-267	87	4	,	,	PUNCT
ajeer-267	87	5	6	6	NUM
ajeer-267	87	6	significant	significant	ADJ
ajeer-267	87	7	factors	factor	NOUN
ajeer-267	87	8	indicated	indicate	VERB
ajeer-267	87	9	from	from	ADP
ajeer-267	87	10	the	the	DET
ajeer-267	87	11	research	research	NOUN
ajeer-267	87	12	are	be	AUX
ajeer-267	87	13	:	:	PUNCT
ajeer-267	87	14	(	(	PUNCT
ajeer-267	87	15	i	i	NOUN
ajeer-267	87	16	)	)	PUNCT
ajeer-267	87	17	employee	employee	NOUN
ajeer-267	87	18	working	work	VERB
ajeer-267	87	19	at	at	ADP
ajeer-267	87	20	local	local	ADJ
ajeer-267	87	21	authorities	authority	NOUN
ajeer-267	87	22	;	;	PUNCT
ajeer-267	87	23	(	(	PUNCT
ajeer-267	87	24	ii	ii	NOUN
ajeer-267	87	25	)	)	PUNCT
ajeer-267	87	26	member	member	NOUN
ajeer-267	87	27	of	of	ADP
ajeer-267	87	28	lending	lending	NOUN
ajeer-267	87	29	group	group	NOUN
ajeer-267	87	30	;	;	PUNCT
ajeer-267	87	31	(	(	PUNCT
ajeer-267	87	32	iii	iii	X
ajeer-267	87	33	)	)	PUNCT
ajeer-267	87	34	poor	poor	ADJ
ajeer-267	87	35	household	household	NOUN
ajeer-267	87	36	book	book	NOUN
ajeer-267	87	37	;	;	PUNCT
ajeer-267	87	38	(	(	PUNCT
ajeer-267	87	39	iv	iv	X
ajeer-267	87	40	)	)	PUNCT
ajeer-267	87	41	educational	educational	ADJ
ajeer-267	87	42	level	level	NOUN
ajeer-267	87	43	;	;	PUNCT
ajeer-267	87	44	(	(	PUNCT
ajeer-267	87	45	v	v	NOUN
ajeer-267	87	46	)	)	PUNCT
ajeer-267	87	47	skilled	skilled	ADJ
ajeer-267	87	48	labor	labor	NOUN
ajeer-267	87	49	;	;	PUNCT
ajeer-267	87	50	and	and	CCONJ
ajeer-267	87	51	(	(	PUNCT
ajeer-267	87	52	vi	vi	NOUN
ajeer-267	87	53	)	)	PUNCT
ajeer-267	87	54	inter	inter	ADJ
ajeer-267	87	55	-	-	ADJ
ajeer-267	87	56	commune	commune	ADJ
ajeer-267	87	57	roads	road	NOUN
ajeer-267	87	58	.	.	PUNCT
ajeer-267	88	1	furthermore	furthermore	ADV
ajeer-267	88	2	,	,	PUNCT
ajeer-267	88	3	the	the	DET
ajeer-267	88	4	research	research	NOUN
ajeer-267	88	5	also	also	ADV
ajeer-267	88	6	provided	provide	VERB
ajeer-267	88	7	evidence	evidence	NOUN
ajeer-267	88	8	of	of	ADP
ajeer-267	88	9	interaction	interaction	NOUN
ajeer-267	88	10	among	among	ADP
ajeer-267	88	11	credit	credit	NOUN
ajeer-267	88	12	markets	market	NOUN
ajeer-267	88	13	,	,	PUNCT
ajeer-267	88	14	in	in	ADP
ajeer-267	88	15	particular	particular	ADJ
ajeer-267	88	16	,	,	PUNCT
ajeer-267	88	17	the	the	DET
ajeer-267	88	18	amount	amount	NOUN
ajeer-267	88	19	of	of	ADP
ajeer-267	88	20	informal	informal	ADJ
ajeer-267	88	21	credit	credit	NOUN
ajeer-267	88	22	loans	loan	NOUN
ajeer-267	88	23	has	have	VERB
ajeer-267	88	24	a	a	DET
ajeer-267	88	25	positive	positive	ADJ
ajeer-267	88	26	impact	impact	NOUN
ajeer-267	88	27	on	on	ADP
ajeer-267	88	28	the	the	DET
ajeer-267	88	29	accessibility	accessibility	NOUN
ajeer-267	88	30	to	to	PART
ajeer-267	88	31	microcredit	microcredit	VERB
ajeer-267	88	32	programs	program	NOUN
ajeer-267	88	33	.	.	PUNCT
ajeer-267	89	1	2.2.3	2.2.3	X
ajeer-267	89	2	.	.	PUNCT
ajeer-267	89	3	research	research	NOUN
ajeer-267	89	4	model	model	NOUN
ajeer-267	89	5	from	from	ADP
ajeer-267	89	6	the	the	DET
ajeer-267	89	7	researches	research	NOUN
ajeer-267	89	8	,	,	PUNCT
ajeer-267	89	9	we	we	PRON
ajeer-267	89	10	summarize	summarize	VERB
ajeer-267	89	11	and	and	CCONJ
ajeer-267	89	12	describe	describe	VERB
ajeer-267	89	13	the	the	DET
ajeer-267	89	14	variables	variable	NOUN
ajeer-267	89	15	in	in	ADP
ajeer-267	89	16	the	the	DET
ajeer-267	89	17	model	model	NOUN
ajeer-267	89	18	as	as	ADP
ajeer-267	89	19	table	table	NOUN
ajeer-267	89	20	1	1	NUM
ajeer-267	89	21	:	:	PUNCT
ajeer-267	89	22	asian	asian	ADJ
ajeer-267	89	23	journal	journal	NOUN
ajeer-267	89	24	of	of	ADP
ajeer-267	89	25	economics	economic	NOUN
ajeer-267	89	26	and	and	CCONJ
ajeer-267	89	27	empirical	empirical	ADJ
ajeer-267	89	28	research	research	NOUN
ajeer-267	89	29	,	,	PUNCT
ajeer-267	89	30	2019	2019	NUM
ajeer-267	89	31	,	,	PUNCT
ajeer-267	89	32	6(1	6(1	NUM
ajeer-267	89	33	):	):	PUNCT
ajeer-267	89	34	59	59	NUM
ajeer-267	89	35	-	-	SYM
ajeer-267	89	36	69	69	NUM
ajeer-267	89	37	62	62	NUM
ajeer-267	89	38	©	©	PROPN
ajeer-267	89	39	2019	2019	NUM
ajeer-267	89	40	by	by	ADP
ajeer-267	89	41	the	the	DET
ajeer-267	89	42	authors	author	NOUN
ajeer-267	89	43	;	;	PUNCT
ajeer-267	89	44	licensee	licensee	PROPN
ajeer-267	89	45	asian	asian	ADJ
ajeer-267	89	46	online	online	PROPN
ajeer-267	89	47	journal	journal	PROPN
ajeer-267	89	48	publishing	publishing	NOUN
ajeer-267	89	49	group	group	NOUN
ajeer-267	89	50	table-1	table-1	PROPN
ajeer-267	89	51	.	.	PUNCT
ajeer-267	90	1	the	the	DET
ajeer-267	90	2	variables	variable	NOUN
ajeer-267	90	3	in	in	ADP
ajeer-267	90	4	the	the	DET
ajeer-267	90	5	model	model	NOUN
ajeer-267	90	6	.	.	PUNCT
ajeer-267	91	1	variables	variable	NOUN
ajeer-267	91	2	symbols	symbol	NOUN
ajeer-267	91	3	calculation	calculation	PROPN
ajeer-267	91	4	source	source	PROPN
ajeer-267	91	5	bank	bank	NOUN
ajeer-267	91	6	credit	credit	NOUN
ajeer-267	91	7	accessibility	accessibility	NOUN
ajeer-267	91	8	foac	foac	NOUN
ajeer-267	91	9	(	(	PUNCT
ajeer-267	91	10	m8c7	m8c7	NOUN
ajeer-267	91	11	)	)	PUNCT
ajeer-267	91	12	euqal	euqal	NOUN
ajeer-267	91	13	to	to	ADP
ajeer-267	91	14	1	1	NUM
ajeer-267	91	15	in	in	ADP
ajeer-267	91	16	case	case	NOUN
ajeer-267	91	17	of	of	ADP
ajeer-267	91	18	borrowing	borrowing	NOUN
ajeer-267	91	19	from	from	ADP
ajeer-267	91	20	the	the	DET
ajeer-267	91	21	social	social	ADJ
ajeer-267	91	22	policies	policy	NOUN
ajeer-267	91	23	bank	bank	PROPN
ajeer-267	91	24	and	and	CCONJ
ajeer-267	91	25	agribank	agribank	PROPN
ajeer-267	91	26	.	.	PUNCT
ajeer-267	92	1	personal	personal	ADJ
ajeer-267	92	2	characteristics	characteristic	NOUN
ajeer-267	92	3	age	age	NOUN
ajeer-267	92	4	of	of	ADP
ajeer-267	92	5	household	household	NOUN
ajeer-267	92	6	units	unit	NOUN
ajeer-267	92	7	age	age	NOUN
ajeer-267	92	8	(	(	PUNCT
ajeer-267	92	9	m1ac5	m1ac5	PROPN
ajeer-267	92	10	)	)	PUNCT
ajeer-267	92	11	the	the	DET
ajeer-267	92	12	age	age	NOUN
ajeer-267	92	13	of	of	ADP
ajeer-267	92	14	household	household	NOUN
ajeer-267	92	15	by	by	ADP
ajeer-267	92	16	years	year	NOUN
ajeer-267	92	17	mwangi	mwangi	PROPN
ajeer-267	92	18	and	and	CCONJ
ajeer-267	92	19	sichei	sichei	PROPN
ajeer-267	92	20	(	(	PUNCT
ajeer-267	92	21	2011	2011	NUM
ajeer-267	92	22	)	)	PUNCT
ajeer-267	92	23	,	,	PUNCT
ajeer-267	92	24	dinh	dinh	NOUN
ajeer-267	92	25	and	and	CCONJ
ajeer-267	92	26	dong	dong	PROPN
ajeer-267	92	27	(	(	PUNCT
ajeer-267	92	28	2015	2015	NUM
ajeer-267	92	29	)	)	PUNCT
ajeer-267	92	30	,	,	PUNCT
ajeer-267	92	31	nguyen	nguyen	NOUN
ajeer-267	92	32	and	and	CCONJ
ajeer-267	92	33	pham	pham	PROPN
ajeer-267	92	34	(	(	PUNCT
ajeer-267	92	35	2010	2010	NUM
ajeer-267	92	36	)	)	PUNCT
ajeer-267	92	37	,	,	PUNCT
ajeer-267	92	38	vuong	vuong	PROPN
ajeer-267	92	39	and	and	CCONJ
ajeer-267	92	40	dang	dang	INTJ
ajeer-267	92	41	(	(	PUNCT
ajeer-267	92	42	2015	2015	NUM
ajeer-267	92	43	)	)	PUNCT
ajeer-267	92	44	sex	sex	NOUN
ajeer-267	92	45	of	of	ADP
ajeer-267	92	46	household	household	NOUN
ajeer-267	92	47	head	head	NOUN
ajeer-267	92	48	sex	sex	NOUN
ajeer-267	92	49	(	(	PUNCT
ajeer-267	92	50	m1ac2	m1ac2	PROPN
ajeer-267	92	51	)	)	PUNCT
ajeer-267	92	52	the	the	DET
ajeer-267	92	53	gender	gender	NOUN
ajeer-267	92	54	dummy	dummy	NOUN
ajeer-267	92	55	receives	receive	VERB
ajeer-267	92	56	1	1	NUM
ajeer-267	92	57	if	if	SCONJ
ajeer-267	92	58	the	the	DET
ajeer-267	92	59	head	head	NOUN
ajeer-267	92	60	of	of	ADP
ajeer-267	92	61	household	household	NOUN
ajeer-267	92	62	is	be	AUX
ajeer-267	92	63	male	male	ADJ
ajeer-267	92	64	.	.	PUNCT
ajeer-267	93	1	the	the	DET
ajeer-267	93	2	gender	gender	NOUN
ajeer-267	93	3	dummy	dummy	NOUN
ajeer-267	93	4	receives	receive	VERB
ajeer-267	93	5	0	0	NUM
ajeer-267	93	6	if	if	SCONJ
ajeer-267	93	7	the	the	DET
ajeer-267	93	8	head	head	NOUN
ajeer-267	93	9	of	of	ADP
ajeer-267	93	10	household	household	NOUN
ajeer-267	93	11	is	be	AUX
ajeer-267	93	12	female	female	ADJ
ajeer-267	93	13	.	.	PUNCT
ajeer-267	94	1	ololade	ololade	NOUN
ajeer-267	94	2	and	and	CCONJ
ajeer-267	94	3	olagunju	olagunju	PROPN
ajeer-267	94	4	(	(	PUNCT
ajeer-267	94	5	2013	2013	NUM
ajeer-267	94	6	)	)	PUNCT
ajeer-267	94	7	,	,	PUNCT
ajeer-267	94	8	dinh	dinh	NOUN
ajeer-267	94	9	and	and	CCONJ
ajeer-267	94	10	dong	dong	PROPN
ajeer-267	94	11	(	(	PUNCT
ajeer-267	94	12	2015	2015	NUM
ajeer-267	94	13	)	)	PUNCT
ajeer-267	94	14	,	,	PUNCT
ajeer-267	94	15	vuong	vuong	PROPN
ajeer-267	94	16	and	and	CCONJ
ajeer-267	94	17	dang	dang	INTJ
ajeer-267	94	18	(	(	PUNCT
ajeer-267	94	19	2015	2015	NUM
ajeer-267	94	20	)	)	PUNCT
ajeer-267	94	21	ethnicity	ethnicity	NOUN
ajeer-267	94	22	eth	eth	NOUN
ajeer-267	94	23	(	(	PUNCT
ajeer-267	94	24	dantoc	dantoc	ADJ
ajeer-267	94	25	)	)	PUNCT
ajeer-267	94	26	ethnic	ethnic	ADJ
ajeer-267	94	27	dumy	dumy	NOUN
ajeer-267	94	28	variable	variable	NOUN
ajeer-267	94	29	equals	equal	VERB
ajeer-267	94	30	to	to	ADP
ajeer-267	94	31	1	1	NUM
ajeer-267	94	32	if	if	SCONJ
ajeer-267	94	33	ethnic	ethnic	ADJ
ajeer-267	94	34	group	group	NOUN
ajeer-267	94	35	is	be	AUX
ajeer-267	94	36	kinh	kinh	VERB
ajeer-267	94	37	.	.	PUNCT
ajeer-267	95	1	ethnic	ethnic	ADJ
ajeer-267	95	2	dumy	dumy	NOUN
ajeer-267	95	3	variable	variable	NOUN
ajeer-267	95	4	equals	equal	VERB
ajeer-267	95	5	to	to	ADP
ajeer-267	95	6	0	0	NUM
ajeer-267	95	7	if	if	SCONJ
ajeer-267	95	8	it	it	PRON
ajeer-267	95	9	is	be	AUX
ajeer-267	95	10	another	another	DET
ajeer-267	95	11	ethnic	ethnic	ADJ
ajeer-267	95	12	group	group	NOUN
ajeer-267	95	13	.	.	PUNCT
ajeer-267	96	1	dinh	dinh	NOUN
ajeer-267	96	2	and	and	CCONJ
ajeer-267	96	3	dong	dong	PROPN
ajeer-267	96	4	(	(	PUNCT
ajeer-267	96	5	2015	2015	NUM
ajeer-267	96	6	)	)	PUNCT
ajeer-267	96	7	marital	marital	ADJ
ajeer-267	96	8	status	status	NOUN
ajeer-267	96	9	sta	sta	NOUN
ajeer-267	96	10	(	(	PUNCT
ajeer-267	96	11	m1ac8	m1ac8	NOUN
ajeer-267	96	12	)	)	PUNCT
ajeer-267	96	13	marriage	marriage	NOUN
ajeer-267	96	14	dummy	dummy	ADJ
ajeer-267	96	15	variable	variable	NOUN
ajeer-267	96	16	equals	equal	VERB
ajeer-267	96	17	to	to	ADP
ajeer-267	96	18	1	1	NUM
ajeer-267	96	19	if	if	SCONJ
ajeer-267	96	20	the	the	DET
ajeer-267	96	21	households	household	NOUN
ajeer-267	96	22	have	have	VERB
ajeer-267	96	23	couples	couple	NOUN
ajeer-267	96	24	.	.	PUNCT
ajeer-267	97	1	marriage	marriage	NOUN
ajeer-267	97	2	dummy	dummy	ADJ
ajeer-267	97	3	variable	variable	NOUN
ajeer-267	97	4	equals	equal	VERB
ajeer-267	97	5	to	to	ADP
ajeer-267	97	6	0	0	NUM
ajeer-267	97	7	if	if	SCONJ
ajeer-267	97	8	other	other	ADJ
ajeer-267	97	9	cases	case	NOUN
ajeer-267	97	10	.	.	PUNCT
ajeer-267	98	1	ololade	ololade	NOUN
ajeer-267	98	2	and	and	CCONJ
ajeer-267	98	3	olagunju	olagunju	PROPN
ajeer-267	98	4	(	(	PUNCT
ajeer-267	98	5	2013	2013	NUM
ajeer-267	98	6	)	)	PUNCT
ajeer-267	98	7	education	education	NOUN
ajeer-267	98	8	status	status	NOUN
ajeer-267	98	9	of	of	ADP
ajeer-267	98	10	head	head	NOUN
ajeer-267	98	11	of	of	ADP
ajeer-267	98	12	houshold	houshold	ADJ
ajeer-267	98	13	edu	edu	PROPN
ajeer-267	98	14	(	(	PUNCT
ajeer-267	98	15	m2ac2a	m2ac2a	NOUN
ajeer-267	98	16	)	)	PUNCT
ajeer-267	98	17	educational	educational	ADJ
ajeer-267	98	18	dummy	dummy	ADJ
ajeer-267	98	19	variables	variable	NOUN
ajeer-267	98	20	equal	equal	ADJ
ajeer-267	98	21	to	to	ADP
ajeer-267	98	22	1	1	NUM
ajeer-267	98	23	if	if	SCONJ
ajeer-267	98	24	it	it	PRON
ajeer-267	98	25	has	have	VERB
ajeer-267	98	26	no	no	DET
ajeer-267	98	27	qualification	qualification	NOUN
ajeer-267	98	28	”	"	PUNCT
ajeer-267	98	29	;	;	PUNCT
ajeer-267	98	30	2	2	NUM
ajeer-267	98	31	if	if	SCONJ
ajeer-267	98	32	it	it	PRON
ajeer-267	98	33	is	be	AUX
ajeer-267	98	34	primary	primary	ADJ
ajeer-267	98	35	;	;	PUNCT
ajeer-267	98	36	3	3	NUM
ajeer-267	98	37	if	if	SCONJ
ajeer-267	98	38	it	it	PRON
ajeer-267	98	39	is	be	AUX
ajeer-267	98	40	secondary	secondary	ADJ
ajeer-267	98	41	school	school	NOUN
ajeer-267	98	42	;	;	PUNCT
ajeer-267	98	43	4	4	NUM
ajeer-267	98	44	if	if	SCONJ
ajeer-267	98	45	it	it	PRON
ajeer-267	98	46	is	be	AUX
ajeer-267	98	47	high	high	ADJ
ajeer-267	98	48	school	school	NOUN
ajeer-267	98	49	;	;	PUNCT
ajeer-267	98	50	5	5	NUM
ajeer-267	98	51	if	if	SCONJ
ajeer-267	98	52	it	it	PRON
ajeer-267	98	53	is	be	AUX
ajeer-267	98	54	college	college	NOUN
ajeer-267	98	55	;	;	PUNCT
ajeer-267	98	56	6	6	NUM
ajeer-267	98	57	if	if	SCONJ
ajeer-267	98	58	it	it	PRON
ajeer-267	98	59	is	be	AUX
ajeer-267	98	60	university	university	NOUN
ajeer-267	98	61	;	;	PUNCT
ajeer-267	98	62	7	7	NUM
ajeer-267	98	63	if	if	SCONJ
ajeer-267	98	64	others	other	NOUN
ajeer-267	98	65	.	.	PUNCT
ajeer-267	99	1	assogba	assogba	PROPN
ajeer-267	99	2	et	et	PROPN
ajeer-267	99	3	al	al	PROPN
ajeer-267	99	4	.	.	PROPN
ajeer-267	100	1	(	(	PUNCT
ajeer-267	100	2	2017	2017	NUM
ajeer-267	100	3	)	)	PUNCT
ajeer-267	100	4	,	,	PUNCT
ajeer-267	100	5	nguyen	nguyen	NOUN
ajeer-267	100	6	and	and	CCONJ
ajeer-267	100	7	pham	pham	PROPN
ajeer-267	100	8	(	(	PUNCT
ajeer-267	100	9	2010	2010	NUM
ajeer-267	100	10	)	)	PUNCT
ajeer-267	100	11	,	,	PUNCT
ajeer-267	100	12	dinh	dinh	NOUN
ajeer-267	100	13	and	and	CCONJ
ajeer-267	100	14	dong	dong	PROPN
ajeer-267	100	15	(	(	PUNCT
ajeer-267	100	16	2015	2015	NUM
ajeer-267	100	17	)	)	PUNCT
ajeer-267	100	18	demographic	demographic	ADJ
ajeer-267	100	19	characteristics	characteristic	NOUN
ajeer-267	100	20	of	of	ADP
ajeer-267	100	21	households	household	NOUN
ajeer-267	100	22	household	household	NOUN
ajeer-267	100	23	size	size	NOUN
ajeer-267	100	24	size	size	NOUN
ajeer-267	100	25	(	(	PUNCT
ajeer-267	100	26	tsnguoi	tsnguoi	NOUN
ajeer-267	100	27	)	)	PUNCT
ajeer-267	100	28	total	total	ADJ
ajeer-267	100	29	members	member	NOUN
ajeer-267	100	30	of	of	ADP
ajeer-267	100	31	households	household	NOUN
ajeer-267	100	32	assogba	assogba	PROPN
ajeer-267	100	33	et	et	PROPN
ajeer-267	100	34	al	al	PROPN
ajeer-267	100	35	.	.	PROPN
ajeer-267	101	1	(	(	PUNCT
ajeer-267	101	2	2017	2017	NUM
ajeer-267	101	3	)	)	PUNCT
ajeer-267	101	4	,	,	PUNCT
ajeer-267	101	5	,	,	PUNCT
ajeer-267	101	6	dinh	dinh	NOUN
ajeer-267	101	7	and	and	CCONJ
ajeer-267	101	8	dong	dong	PROPN
ajeer-267	101	9	(	(	PUNCT
ajeer-267	101	10	2015	2015	NUM
ajeer-267	101	11	)	)	PUNCT
ajeer-267	101	12	percentage	percentage	NOUN
ajeer-267	101	13	of	of	ADP
ajeer-267	101	14	dependents	dependent	NOUN
ajeer-267	101	15	dep	dep	NOUN
ajeer-267	101	16	the	the	DET
ajeer-267	101	17	percentage	percentage	NOUN
ajeer-267	101	18	of	of	ADP
ajeer-267	101	19	childern	childern	NOUN
ajeer-267	101	20	under	under	ADP
ajeer-267	101	21	16	16	NUM
ajeer-267	101	22	years	year	NOUN
ajeer-267	101	23	old	old	ADJ
ajeer-267	101	24	,	,	PUNCT
ajeer-267	101	25	the	the	DET
ajeer-267	101	26	elder	elder	NOUN
ajeer-267	101	27	above	above	ADP
ajeer-267	101	28	60	60	NUM
ajeer-267	101	29	years	year	NOUN
ajeer-267	101	30	old	old	ADJ
ajeer-267	101	31	in	in	ADP
ajeer-267	101	32	total	total	ADJ
ajeer-267	101	33	households	household	NOUN
ajeer-267	101	34	dinh	dinh	NOUN
ajeer-267	101	35	and	and	CCONJ
ajeer-267	101	36	dong	dong	PROPN
ajeer-267	101	37	(	(	PUNCT
ajeer-267	101	38	2015	2015	NUM
ajeer-267	101	39	)	)	PUNCT
ajeer-267	101	40	financial	financial	ADJ
ajeer-267	101	41	characteristics	characteristic	NOUN
ajeer-267	101	42	average	average	ADJ
ajeer-267	101	43	income	income	PROPN
ajeer-267	101	44	tthubq	tthubq	PROPN
ajeer-267	101	45	narural	narural	PROPN
ajeer-267	101	46	logarit	logarit	PROPN
ajeer-267	101	47	of	of	ADP
ajeer-267	101	48	annual	annual	ADJ
ajeer-267	101	49	household	household	NOUN
ajeer-267	101	50	income	income	NOUN
ajeer-267	101	51	from	from	ADP
ajeer-267	101	52	all	all	DET
ajeer-267	101	53	sources	source	NOUN
ajeer-267	101	54	unit	unit	NOUN
ajeer-267	101	55	:	:	PUNCT
ajeer-267	101	56	thousands	thousands	NUM
ajeer-267	101	57	dong	dong	PROPN
ajeer-267	101	58	kiplimo	kiplimo	PROPN
ajeer-267	101	59	et	et	PROPN
ajeer-267	101	60	al	al	PROPN
ajeer-267	101	61	.	.	PROPN
ajeer-267	102	1	(	(	PUNCT
ajeer-267	102	2	2015	2015	NUM
ajeer-267	102	3	)	)	PUNCT
ajeer-267	102	4	individual	individual	ADJ
ajeer-267	102	5	fin	fin	NOUN
ajeer-267	102	6	inf	inf	NOUN
ajeer-267	102	7	(	(	PUNCT
ajeer-267	102	8	m4dc2_01	m4dc2_01	PROPN
ajeer-267	102	9	/	/	SYM
ajeer-267	102	10	m4dc2_06	m4dc2_06	PROPN
ajeer-267	102	11	)	)	PUNCT
ajeer-267	102	12	individual	individual	ADJ
ajeer-267	102	13	financing	financing	NOUN
ajeer-267	102	14	value	value	NOUN
ajeer-267	102	15	equals	equal	VERB
ajeer-267	102	16	1	1	NUM
ajeer-267	102	17	if	if	SCONJ
ajeer-267	102	18	the	the	DET
ajeer-267	102	19	household	household	NOUN
ajeer-267	102	20	receives	receive	VERB
ajeer-267	102	21	sponsorships	sponsorship	NOUN
ajeer-267	102	22	from	from	ADP
ajeer-267	102	23	relatives	relative	NOUN
ajeer-267	102	24	,	,	PUNCT
ajeer-267	102	25	0	0	PUNCT
ajeer-267	102	26	if	if	SCONJ
ajeer-267	102	27	not	not	PART
ajeer-267	102	28	dinh	dinh	NOUN
ajeer-267	102	29	and	and	CCONJ
ajeer-267	102	30	dong	dong	PROPN
ajeer-267	102	31	(	(	PUNCT
ajeer-267	102	32	2015	2015	NUM
ajeer-267	102	33	)	)	PUNCT
ajeer-267	102	34	saving	save	VERB
ajeer-267	102	35	sav	sav	PROPN
ajeer-267	102	36	(	(	PUNCT
ajeer-267	102	37	m8c3b	m8c3b	NOUN
ajeer-267	102	38	)	)	PUNCT
ajeer-267	102	39	dummy	dummy	ADJ
ajeer-267	102	40	variables	variable	NOUN
ajeer-267	102	41	on	on	ADP
ajeer-267	102	42	saving	save	VERB
ajeer-267	102	43	receives	receive	VERB
ajeer-267	102	44	1	1	NUM
ajeer-267	102	45	if	if	SCONJ
ajeer-267	102	46	households	household	NOUN
ajeer-267	102	47	have	have	AUX
ajeer-267	102	48	saving	save	VERB
ajeer-267	102	49	account	account	NOUN
ajeer-267	102	50	.	.	PUNCT
ajeer-267	103	1	it	it	PRON
ajeer-267	103	2	receives	receive	VERB
ajeer-267	103	3	0	0	NUM
ajeer-267	103	4	if	if	SCONJ
ajeer-267	103	5	houeholds	houehold	NOUN
ajeer-267	103	6	does	do	AUX
ajeer-267	103	7	not	not	PART
ajeer-267	103	8	have	have	AUX
ajeer-267	103	9	saving	save	VERB
ajeer-267	103	10	account	account	NOUN
ajeer-267	103	11	dinh	dinh	NOUN
ajeer-267	103	12	and	and	CCONJ
ajeer-267	103	13	dong	dong	PROPN
ajeer-267	103	14	(	(	PUNCT
ajeer-267	103	15	2015	2015	NUM
ajeer-267	103	16	)	)	PUNCT
ajeer-267	103	17	credit	credit	NOUN
ajeer-267	103	18	characteristics	characteristic	NOUN
ajeer-267	103	19	borrowed	borrow	VERB
ajeer-267	103	20	time	time	NOUN
ajeer-267	103	21	loantime	loantime	NOUN
ajeer-267	103	22	time	time	NOUN
ajeer-267	103	23	for	for	ADP
ajeer-267	103	24	unpaid	unpaid	ADJ
ajeer-267	103	25	loan	loan	NOUN
ajeer-267	103	26	unit	unit	NOUN
ajeer-267	103	27	:	:	PUNCT
ajeer-267	104	1	year	year	NOUN
ajeer-267	104	2	.	.	PUNCT
ajeer-267	105	1	loan	loan	NOUN
ajeer-267	105	2	value	value	NOUN
ajeer-267	105	3	loanv	loanv	NOUN
ajeer-267	105	4	(	(	PUNCT
ajeer-267	105	5	m8c9	m8c9	NOUN
ajeer-267	105	6	)	)	PUNCT
ajeer-267	105	7	loan	loan	NOUN
ajeer-267	105	8	value	value	NOUN
ajeer-267	105	9	unit	unit	NOUN
ajeer-267	105	10	:	:	PUNCT
ajeer-267	105	11	thousands	thousands	NUM
ajeer-267	105	12	dong	dong	PROPN
ajeer-267	105	13	.	.	PUNCT
ajeer-267	105	14	amount	amount	NOUN
ajeer-267	105	15	to	to	PART
ajeer-267	105	16	pay	pay	VERB
ajeer-267	105	17	loan	loan	NOUN
ajeer-267	105	18	fee	fee	NOUN
ajeer-267	105	19	(	(	PUNCT
ajeer-267	105	20	m8c10	m8c10	NOUN
ajeer-267	105	21	)	)	PUNCT
ajeer-267	105	22	amount	amount	NOUN
ajeer-267	105	23	to	to	PART
ajeer-267	105	24	pay	pay	VERB
ajeer-267	105	25	for	for	ADP
ajeer-267	105	26	loan	loan	NOUN
ajeer-267	105	27	unit	unit	NOUN
ajeer-267	105	28	:	:	PUNCT
ajeer-267	105	29	thousands	thousands	NUM
ajeer-267	105	30	dong	dong	PROPN
ajeer-267	105	31	official	official	ADJ
ajeer-267	105	32	loan	loan	NOUN
ajeer-267	105	33	interest	interest	NOUN
ajeer-267	105	34	rate	rate	NOUN
ajeer-267	105	35	loaninterest	loaninter	ADJ
ajeer-267	105	36	interest	interest	NOUN
ajeer-267	105	37	rate	rate	NOUN
ajeer-267	105	38	loan	loan	NOUN
ajeer-267	105	39	by	by	ADP
ajeer-267	105	40	month	month	NOUN
ajeer-267	105	41	unit	unit	NOUN
ajeer-267	105	42	:	:	PUNCT
ajeer-267	106	1	%	%	INTJ
ajeer-267	106	2	.	.	PUNCT
ajeer-267	107	1	assogba	assogba	PROPN
ajeer-267	107	2	et	et	PROPN
ajeer-267	107	3	al	al	PROPN
ajeer-267	107	4	.	.	PROPN
ajeer-267	108	1	(	(	PUNCT
ajeer-267	108	2	2017	2017	NUM
ajeer-267	108	3	)	)	PUNCT
ajeer-267	108	4	,	,	PUNCT
ajeer-267	108	5	ololade	ololade	NOUN
ajeer-267	108	6	and	and	CCONJ
ajeer-267	108	7	olagunju	olagunju	PROPN
ajeer-267	108	8	(	(	PUNCT
ajeer-267	108	9	2013	2013	NUM
ajeer-267	108	10	)	)	PUNCT
ajeer-267	108	11	,	,	PUNCT
ajeer-267	108	12	bui	bui	NOUN
ajeer-267	108	13	and	and	CCONJ
ajeer-267	108	14	truong	truong	PROPN
ajeer-267	108	15	(	(	PUNCT
ajeer-267	108	16	2014	2014	NUM
ajeer-267	108	17	)	)	PUNCT
ajeer-267	108	18	loan	loan	NOUN
ajeer-267	108	19	purpose	purpose	NOUN
ajeer-267	108	20	on	on	ADP
ajeer-267	108	21	loan	loan	NOUN
ajeer-267	108	22	application	application	NOUN
ajeer-267	108	23	tar0	tar0	NOUN
ajeer-267	108	24	(	(	PUNCT
ajeer-267	108	25	m8c13	m8c13	NOUN
ajeer-267	108	26	)	)	PUNCT
ajeer-267	108	27	dummy	dummy	ADJ
ajeer-267	108	28	loan	loan	NOUN
ajeer-267	108	29	purpose	purpose	NOUN
ajeer-267	108	30	equals	equal	VERB
ajeer-267	108	31	1	1	NUM
ajeer-267	108	32	if	if	SCONJ
ajeer-267	108	33	the	the	DET
ajeer-267	108	34	loan	loan	NOUN
ajeer-267	108	35	for	for	ADP
ajeer-267	108	36	agricultural	agricultural	ADJ
ajeer-267	108	37	activities	activity	NOUN
ajeer-267	108	38	includes	include	VERB
ajeer-267	108	39	"	"	PUNCT
ajeer-267	108	40	other	other	ADJ
ajeer-267	108	41	crops	crop	NOUN
ajeer-267	108	42	"	"	PUNCT
ajeer-267	108	43	,	,	PUNCT
ajeer-267	108	44	"	"	PUNCT
ajeer-267	108	45	livestock	livestock	NOUN
ajeer-267	108	46	"	"	PUNCT
ajeer-267	108	47	,	,	PUNCT
ajeer-267	108	48	"	"	PUNCT
ajeer-267	108	49	forestry	forestry	NOUN
ajeer-267	108	50	"	"	PUNCT
ajeer-267	108	51	,	,	PUNCT
ajeer-267	108	52	"	"	PUNCT
ajeer-267	108	53	fishery	fishery	NOUN
ajeer-267	108	54	"	"	PUNCT
ajeer-267	108	55	,	,	PUNCT
ajeer-267	108	56	"	"	PUNCT
ajeer-267	108	57	rice	rice	NOUN
ajeer-267	108	58	cultivation	cultivation	NOUN
ajeer-267	108	59	"	"	PUNCT
ajeer-267	108	60	;	;	PUNCT
ajeer-267	108	61	0	0	NUM
ajeer-267	108	62	if	if	SCONJ
ajeer-267	108	63	the	the	DET
ajeer-267	108	64	loan	loan	NOUN
ajeer-267	108	65	for	for	ADP
ajeer-267	108	66	non	non	ADJ
ajeer-267	108	67	-	-	ADJ
ajeer-267	108	68	agricultural	agricultural	ADJ
ajeer-267	108	69	activities	activity	NOUN
ajeer-267	108	70	includes	include	VERB
ajeer-267	108	71	"	"	PUNCT
ajeer-267	108	72	education	education	NOUN
ajeer-267	108	73	and	and	CCONJ
ajeer-267	108	74	training	training	NOUN
ajeer-267	108	75	"	"	PUNCT
ajeer-267	108	76	,	,	PUNCT
ajeer-267	108	77	"	"	PUNCT
ajeer-267	108	78	medical	medical	ADJ
ajeer-267	108	79	expenses	expense	NOUN
ajeer-267	108	80	"	"	PUNCT
ajeer-267	108	81	,	,	PUNCT
ajeer-267	108	82	"	"	PUNCT
ajeer-267	108	83	nonagricultural	nonagricultural	ADJ
ajeer-267	108	84	activities	activity	NOUN
ajeer-267	108	85	"	"	PUNCT
ajeer-267	108	86	,	,	PUNCT
ajeer-267	108	87	"	"	PUNCT
ajeer-267	108	88	land	land	NOUN
ajeer-267	108	89	purchase	purchase	NOUN
ajeer-267	108	90	"	"	PUNCT
ajeer-267	108	91	,	,	PUNCT
ajeer-267	108	92	"	"	PUNCT
ajeer-267	108	93	purchase	purchase	NOUN
ajeer-267	108	94	of	of	ADP
ajeer-267	108	95	other	other	ADJ
ajeer-267	108	96	assets	asset	NOUN
ajeer-267	108	97	"	"	PUNCT
ajeer-267	108	98	,	,	PUNCT
ajeer-267	108	99	tran	tran	PROPN
ajeer-267	108	100	and	and	CCONJ
ajeer-267	108	101	huynh	huynh	PROPN
ajeer-267	108	102	(	(	PUNCT
ajeer-267	108	103	2013	2013	NUM
ajeer-267	108	104	)	)	PUNCT
ajeer-267	108	105	asian	asian	ADJ
ajeer-267	108	106	journal	journal	NOUN
ajeer-267	108	107	of	of	ADP
ajeer-267	108	108	economics	economic	NOUN
ajeer-267	108	109	and	and	CCONJ
ajeer-267	108	110	empirical	empirical	ADJ
ajeer-267	108	111	research	research	NOUN
ajeer-267	108	112	,	,	PUNCT
ajeer-267	108	113	2019	2019	NUM
ajeer-267	108	114	,	,	PUNCT
ajeer-267	108	115	6(1	6(1	NUM
ajeer-267	108	116	):	):	PUNCT
ajeer-267	108	117	59	59	NUM
ajeer-267	108	118	-	-	SYM
ajeer-267	108	119	69	69	NUM
ajeer-267	108	120	63	63	NUM
ajeer-267	108	121	©	©	PROPN
ajeer-267	108	122	2019	2019	NUM
ajeer-267	108	123	by	by	ADP
ajeer-267	108	124	the	the	DET
ajeer-267	108	125	authors	author	NOUN
ajeer-267	108	126	;	;	PUNCT
ajeer-267	108	127	licensee	licensee	PROPN
ajeer-267	108	128	asian	asian	ADJ
ajeer-267	108	129	online	online	PROPN
ajeer-267	108	130	journal	journal	PROPN
ajeer-267	108	131	publishing	publishing	NOUN
ajeer-267	108	132	group	group	NOUN
ajeer-267	108	133	"	"	PUNCT
ajeer-267	108	134	repayment	repayment	NOUN
ajeer-267	108	135	of	of	ADP
ajeer-267	108	136	other	other	ADJ
ajeer-267	108	137	loans	loan	NOUN
ajeer-267	108	138	"	"	PUNCT
ajeer-267	108	139	,	,	PUNCT
ajeer-267	108	140	"	"	PUNCT
ajeer-267	108	141	construction	construction	NOUN
ajeer-267	108	142	/	/	SYM
ajeer-267	108	143	purchase	purchase	NOUN
ajeer-267	108	144	of	of	ADP
ajeer-267	108	145	houses	house	NOUN
ajeer-267	108	146	"	"	PUNCT
ajeer-267	108	147	,	,	PUNCT
ajeer-267	108	148	"	"	PUNCT
ajeer-267	108	149	other	other	ADJ
ajeer-267	108	150	operating	operating	NOUN
ajeer-267	108	151	costs	cost	NOUN
ajeer-267	108	152	"	"	PUNCT
ajeer-267	108	153	and	and	CCONJ
ajeer-267	108	154	"	"	PUNCT
ajeer-267	108	155	other	other	ADJ
ajeer-267	108	156	"	"	PUNCT
ajeer-267	108	157	the	the	DET
ajeer-267	108	158	actual	actual	ADJ
ajeer-267	108	159	purpose	purpose	NOUN
ajeer-267	108	160	is	be	AUX
ajeer-267	108	161	to	to	PART
ajeer-267	108	162	use	use	VERB
ajeer-267	108	163	the	the	DET
ajeer-267	108	164	loan	loan	NOUN
ajeer-267	108	165	range	range	NOUN
ajeer-267	108	166	tar1	tar1	NOUN
ajeer-267	108	167	(	(	PUNCT
ajeer-267	108	168	m8c14	m8c14	NOUN
ajeer-267	108	169	)	)	PUNCT
ajeer-267	108	170	dummy	dummy	ADJ
ajeer-267	108	171	variable	variable	NOUN
ajeer-267	108	172	for	for	ADP
ajeer-267	108	173	the	the	DET
ajeer-267	108	174	actual	actual	ADJ
ajeer-267	108	175	purpose	purpose	NOUN
ajeer-267	108	176	of	of	ADP
ajeer-267	108	177	using	use	VERB
ajeer-267	108	178	the	the	DET
ajeer-267	108	179	loan	loan	NOUN
ajeer-267	108	180	equals	equal	VERB
ajeer-267	108	181	1	1	NUM
ajeer-267	108	182	if	if	SCONJ
ajeer-267	108	183	the	the	DET
ajeer-267	108	184	loan	loan	NOUN
ajeer-267	108	185	for	for	ADP
ajeer-267	108	186	agricultural	agricultural	ADJ
ajeer-267	108	187	activities	activity	NOUN
ajeer-267	108	188	includes	include	VERB
ajeer-267	108	189	"	"	PUNCT
ajeer-267	108	190	other	other	ADJ
ajeer-267	108	191	crops	crop	NOUN
ajeer-267	108	192	"	"	PUNCT
ajeer-267	108	193	,	,	PUNCT
ajeer-267	108	194	"	"	PUNCT
ajeer-267	108	195	livestock	livestock	NOUN
ajeer-267	108	196	"	"	PUNCT
ajeer-267	108	197	,	,	PUNCT
ajeer-267	108	198	"	"	PUNCT
ajeer-267	108	199	forestry	forestry	NOUN
ajeer-267	108	200	"	"	PUNCT
ajeer-267	108	201	,	,	PUNCT
ajeer-267	108	202	"	"	PUNCT
ajeer-267	108	203	fishery	fishery	NOUN
ajeer-267	108	204	"	"	PUNCT
ajeer-267	108	205	,	,	PUNCT
ajeer-267	108	206	"	"	PUNCT
ajeer-267	108	207	rice	rice	NOUN
ajeer-267	108	208	cultivation	cultivation	NOUN
ajeer-267	108	209	"	"	PUNCT
ajeer-267	108	210	;	;	PUNCT
ajeer-267	108	211	0	0	NUM
ajeer-267	108	212	if	if	SCONJ
ajeer-267	108	213	the	the	DET
ajeer-267	108	214	loan	loan	NOUN
ajeer-267	108	215	for	for	ADP
ajeer-267	108	216	non	non	ADJ
ajeer-267	108	217	-	-	ADJ
ajeer-267	108	218	agricultural	agricultural	ADJ
ajeer-267	108	219	activities	activity	NOUN
ajeer-267	108	220	includes	include	VERB
ajeer-267	108	221	"	"	PUNCT
ajeer-267	108	222	education	education	NOUN
ajeer-267	108	223	and	and	CCONJ
ajeer-267	108	224	training	training	NOUN
ajeer-267	108	225	"	"	PUNCT
ajeer-267	108	226	,	,	PUNCT
ajeer-267	108	227	"	"	PUNCT
ajeer-267	108	228	medical	medical	ADJ
ajeer-267	108	229	expenses	expense	NOUN
ajeer-267	108	230	"	"	PUNCT
ajeer-267	108	231	,	,	PUNCT
ajeer-267	108	232	"	"	PUNCT
ajeer-267	108	233	nonagricultural	nonagricultural	ADJ
ajeer-267	108	234	activities	activity	NOUN
ajeer-267	108	235	"	"	PUNCT
ajeer-267	108	236	,	,	PUNCT
ajeer-267	108	237	"	"	PUNCT
ajeer-267	108	238	land	land	NOUN
ajeer-267	108	239	purchase	purchase	NOUN
ajeer-267	108	240	"	"	PUNCT
ajeer-267	108	241	,	,	PUNCT
ajeer-267	108	242	"	"	PUNCT
ajeer-267	108	243	purchase	purchase	NOUN
ajeer-267	108	244	of	of	ADP
ajeer-267	108	245	other	other	ADJ
ajeer-267	108	246	assets	asset	NOUN
ajeer-267	108	247	"	"	PUNCT
ajeer-267	108	248	,	,	PUNCT
ajeer-267	108	249	"	"	PUNCT
ajeer-267	108	250	repayment	repayment	NOUN
ajeer-267	108	251	of	of	ADP
ajeer-267	108	252	other	other	ADJ
ajeer-267	108	253	loans	loan	NOUN
ajeer-267	108	254	"	"	PUNCT
ajeer-267	108	255	,	,	PUNCT
ajeer-267	108	256	"	"	PUNCT
ajeer-267	108	257	construction	construction	NOUN
ajeer-267	108	258	/	/	SYM
ajeer-267	108	259	purchase	purchase	NOUN
ajeer-267	108	260	of	of	ADP
ajeer-267	108	261	houses	house	NOUN
ajeer-267	108	262	"	"	PUNCT
ajeer-267	108	263	,	,	PUNCT
ajeer-267	108	264	"	"	PUNCT
ajeer-267	108	265	other	other	ADJ
ajeer-267	108	266	operating	operating	NOUN
ajeer-267	108	267	costs	cost	NOUN
ajeer-267	108	268	"	"	PUNCT
ajeer-267	108	269	and	and	CCONJ
ajeer-267	108	270	"	"	PUNCT
ajeer-267	108	271	others	other	NOUN
ajeer-267	108	272	"	"	PUNCT
ajeer-267	108	273	.	.	PUNCT
ajeer-267	109	1	dinh	dinh	NOUN
ajeer-267	109	2	and	and	CCONJ
ajeer-267	109	3	dong	dong	PROPN
ajeer-267	109	4	(	(	PUNCT
ajeer-267	109	5	2015	2015	NUM
ajeer-267	109	6	)	)	PUNCT
ajeer-267	109	7	mortgage	mortgage	NOUN
ajeer-267	109	8	property	property	NOUN
ajeer-267	109	9	col	col	NOUN
ajeer-267	109	10	(	(	PUNCT
ajeer-267	109	11	m8c15	m8c15	PROPN
ajeer-267	109	12	)	)	PUNCT
ajeer-267	109	13	equals	equal	VERB
ajeer-267	109	14	1	1	NUM
ajeer-267	109	15	if	if	SCONJ
ajeer-267	109	16	there	there	PRON
ajeer-267	109	17	is	be	VERB
ajeer-267	109	18	a	a	DET
ajeer-267	109	19	mortgage	mortgage	NOUN
ajeer-267	109	20	;	;	PUNCT
ajeer-267	109	21	equal	equal	ADJ
ajeer-267	109	22	0	0	PUNCT
ajeer-267	109	23	if	if	SCONJ
ajeer-267	109	24	there	there	PRON
ajeer-267	109	25	is	be	VERB
ajeer-267	109	26	no	no	DET
ajeer-267	109	27	mortgage	mortgage	NOUN
ajeer-267	109	28	.	.	PUNCT
ajeer-267	110	1	diagne	diagne	PROPN
ajeer-267	110	2	(	(	PUNCT
ajeer-267	110	3	1999	1999	NUM
ajeer-267	110	4	)	)	PUNCT
ajeer-267	110	5	amount	amount	NOUN
ajeer-267	110	6	owed	owe	VERB
ajeer-267	110	7	unpay	unpay	NOUN
ajeer-267	110	8	(	(	PUNCT
ajeer-267	110	9	m8c12	m8c12	NOUN
ajeer-267	110	10	)	)	PUNCT
ajeer-267	110	11	total	total	ADJ
ajeer-267	110	12	debt	debt	NOUN
ajeer-267	110	13	unit	unit	NOUN
ajeer-267	110	14	:	:	PUNCT
ajeer-267	110	15	thousands	thousand	NOUN
ajeer-267	110	16	dong	dong	PROPN
ajeer-267	110	17	other	other	ADJ
ajeer-267	110	18	factors	factor	NOUN
ajeer-267	110	19	natural	natural	ADJ
ajeer-267	110	20	shock	shock	NOUN
ajeer-267	110	21	nasock	nasock	NOUN
ajeer-267	110	22	(	(	PUNCT
ajeer-267	110	23	m4b1b	m4b1b	NOUN
ajeer-267	110	24	)	)	PUNCT
ajeer-267	110	25	natural	natural	ADJ
ajeer-267	110	26	shock	shock	NOUN
ajeer-267	110	27	dummy	dummy	ADJ
ajeer-267	110	28	variables	variable	NOUN
ajeer-267	110	29	such	such	ADJ
ajeer-267	110	30	as	as	ADP
ajeer-267	110	31	natural	natural	ADJ
ajeer-267	110	32	disasters	disaster	NOUN
ajeer-267	110	33	and	and	CCONJ
ajeer-267	110	34	epidemics	epidemic	NOUN
ajeer-267	110	35	,	,	PUNCT
ajeer-267	110	36	equals	equal	VERB
ajeer-267	110	37	1	1	NUM
ajeer-267	110	38	if	if	SCONJ
ajeer-267	110	39	receiving	receive	VERB
ajeer-267	110	40	effects	effect	NOUN
ajeer-267	110	41	from	from	ADP
ajeer-267	110	42	these	these	DET
ajeer-267	110	43	factors	factor	NOUN
ajeer-267	110	44	and	and	CCONJ
ajeer-267	110	45	receive	receive	VERB
ajeer-267	110	46	0	0	NUM
ajeer-267	110	47	if	if	SCONJ
ajeer-267	110	48	it	it	PRON
ajeer-267	110	49	does	do	AUX
ajeer-267	110	50	not	not	PART
ajeer-267	110	51	have	have	VERB
ajeer-267	110	52	effects	effect	NOUN
ajeer-267	110	53	.	.	PUNCT
ajeer-267	111	1	dinh	dinh	NOUN
ajeer-267	111	2	and	and	CCONJ
ajeer-267	111	3	dong	dong	PROPN
ajeer-267	111	4	(	(	PUNCT
ajeer-267	111	5	2015	2015	NUM
ajeer-267	111	6	)	)	PUNCT
ajeer-267	111	7	member	member	NOUN
ajeer-267	111	8	of	of	ADP
ajeer-267	111	9	farmers	farmers	PROPN
ajeer-267	111	10	association	association	PROPN
ajeer-267	111	11	agrc	agrc	NOUN
ajeer-267	111	12	(	(	PUNCT
ajeer-267	111	13	m1ac15a	m1ac15a	X
ajeer-267	111	14	)	)	PUNCT
ajeer-267	111	15	recevie	recevie	NOUN
ajeer-267	111	16	1	1	NUM
ajeer-267	111	17	if	if	SCONJ
ajeer-267	111	18	you	you	PRON
ajeer-267	111	19	are	be	AUX
ajeer-267	111	20	members	member	NOUN
ajeer-267	111	21	of	of	ADP
ajeer-267	111	22	farmer	farmer	NOUN
ajeer-267	111	23	’s	’s	PART
ajeer-267	111	24	union	union	NOUN
ajeer-267	111	25	,	,	PUNCT
ajeer-267	111	26	0	0	PUNCT
ajeer-267	112	1	if	if	SCONJ
ajeer-267	112	2	you	you	PRON
ajeer-267	112	3	are	be	AUX
ajeer-267	112	4	not	not	PART
ajeer-267	112	5	mebers	meber	NOUN
ajeer-267	112	6	of	of	ADP
ajeer-267	112	7	farmers	farmer	NOUN
ajeer-267	112	8	’	'	PUNCT
ajeer-267	112	9	uninion	uninion	NOUN
ajeer-267	112	10	.	.	PUNCT
ajeer-267	113	1	assogba	assogba	PROPN
ajeer-267	113	2	et	et	PROPN
ajeer-267	113	3	al	al	PROPN
ajeer-267	113	4	.	.	PROPN
ajeer-267	114	1	(	(	PUNCT
ajeer-267	114	2	2017	2017	NUM
ajeer-267	114	3	)	)	PUNCT
ajeer-267	114	4	member	member	NOUN
ajeer-267	114	5	of	of	ADP
ajeer-267	114	6	women	women	PROPN
ajeer-267	114	7	’s	’s	PART
ajeer-267	114	8	union	union	PROPN
ajeer-267	114	9	womec	womec	ADJ
ajeer-267	114	10	(	(	PUNCT
ajeer-267	114	11	m1ac15b	m1ac15b	NOUN
ajeer-267	114	12	)	)	PUNCT
ajeer-267	114	13	receive	receive	VERB
ajeer-267	114	14	1	1	NUM
ajeer-267	114	15	if	if	SCONJ
ajeer-267	114	16	you	you	PRON
ajeer-267	114	17	are	be	AUX
ajeer-267	114	18	members	member	NOUN
ajeer-267	114	19	of	of	ADP
ajeer-267	114	20	women	woman	NOUN
ajeer-267	114	21	’s	’s	PART
ajeer-267	114	22	union	union	NOUN
ajeer-267	114	23	,	,	PUNCT
ajeer-267	114	24	0	0	PUNCT
ajeer-267	115	1	if	if	SCONJ
ajeer-267	115	2	you	you	PRON
ajeer-267	115	3	are	be	AUX
ajeer-267	115	4	not	not	PART
ajeer-267	115	5	members	member	NOUN
ajeer-267	115	6	.	.	PUNCT
ajeer-267	116	1	assogba	assogba	PROPN
ajeer-267	116	2	et	et	PROPN
ajeer-267	116	3	al	al	PROPN
ajeer-267	116	4	.	.	PROPN
ajeer-267	117	1	(	(	PUNCT
ajeer-267	117	2	2017	2017	NUM
ajeer-267	117	3	)	)	PUNCT
ajeer-267	117	4	party	party	NOUN
ajeer-267	117	5	member	member	NOUN
ajeer-267	117	6	party	party	PROPN
ajeer-267	117	7	(	(	PUNCT
ajeer-267	117	8	m1ac15c	m1ac15c	PROPN
ajeer-267	117	9	)	)	PUNCT
ajeer-267	117	10	equal	equal	ADJ
ajeer-267	117	11	1	1	NUM
ajeer-267	117	12	if	if	SCONJ
ajeer-267	117	13	they	they	PRON
ajeer-267	117	14	are	be	AUX
ajeer-267	117	15	party	party	NOUN
ajeer-267	117	16	members	member	NOUN
ajeer-267	117	17	,	,	PUNCT
ajeer-267	117	18	0	0	NUM
ajeer-267	118	1	they	they	PRON
ajeer-267	118	2	are	be	AUX
ajeer-267	118	3	not	not	PART
ajeer-267	118	4	party	party	NOUN
ajeer-267	118	5	members	member	NOUN
ajeer-267	118	6	.	.	PUNCT
ajeer-267	119	1	assogba	assogba	PROPN
ajeer-267	119	2	et	et	PROPN
ajeer-267	119	3	al	al	PROPN
ajeer-267	119	4	.	.	PROPN
ajeer-267	120	1	(	(	PUNCT
ajeer-267	120	2	2017	2017	NUM
ajeer-267	120	3	)	)	PUNCT
ajeer-267	120	4	member	member	NOUN
ajeer-267	120	5	of	of	ADP
ajeer-267	120	6	veterans	veterans	PROPN
ajeer-267	120	7	association	association	PROPN
ajeer-267	120	8	veterc	veterc	PROPN
ajeer-267	120	9	(	(	PUNCT
ajeer-267	120	10	m1ac15d	m1ac15d	NUM
ajeer-267	120	11	)	)	PUNCT
ajeer-267	120	12	receive	receive	VERB
ajeer-267	120	13	1	1	NUM
ajeer-267	120	14	if	if	SCONJ
ajeer-267	120	15	it	it	PRON
ajeer-267	120	16	belongs	belong	VERB
ajeer-267	120	17	to	to	ADP
ajeer-267	120	18	member	member	NOUN
ajeer-267	120	19	of	of	ADP
ajeer-267	120	20	veterans	veterans	PROPN
ajeer-267	120	21	association	association	PROPN
ajeer-267	120	22	,	,	PUNCT
ajeer-267	120	23	0	0	PUNCT
ajeer-267	121	1	if	if	SCONJ
ajeer-267	121	2	it	it	PRON
ajeer-267	121	3	does	do	AUX
ajeer-267	121	4	not	not	PART
ajeer-267	121	5	belong	belong	VERB
ajeer-267	121	6	to	to	ADP
ajeer-267	121	7	member	member	NOUN
ajeer-267	121	8	of	of	ADP
ajeer-267	121	9	veterans	veterans	PROPN
ajeer-267	121	10	association	association	PROPN
ajeer-267	121	11	assogba	assogba	PROPN
ajeer-267	121	12	et	et	PROPN
ajeer-267	121	13	al	al	PROPN
ajeer-267	121	14	.	.	PROPN
ajeer-267	122	1	(	(	PUNCT
ajeer-267	122	2	2017	2017	NUM
ajeer-267	122	3	)	)	PUNCT
ajeer-267	122	4	source	source	NOUN
ajeer-267	122	5	:	:	PUNCT
ajeer-267	122	6	author	author	NOUN
ajeer-267	122	7	’s	’s	PART
ajeer-267	122	8	synthesis	synthesis	NOUN
ajeer-267	122	9	analysis	analysis	NOUN
ajeer-267	122	10	.	.	PUNCT
ajeer-267	123	1	asian	asian	ADJ
ajeer-267	123	2	journal	journal	PROPN
ajeer-267	123	3	of	of	ADP
ajeer-267	123	4	economics	economic	NOUN
ajeer-267	123	5	and	and	CCONJ
ajeer-267	123	6	empirical	empirical	ADJ
ajeer-267	123	7	research	research	NOUN
ajeer-267	123	8	,	,	PUNCT
ajeer-267	123	9	2019	2019	NUM
ajeer-267	123	10	,	,	PUNCT
ajeer-267	123	11	6(1	6(1	NUM
ajeer-267	123	12	):	):	PUNCT
ajeer-267	123	13	59	59	NUM
ajeer-267	123	14	-	-	SYM
ajeer-267	123	15	69	69	NUM
ajeer-267	123	16	64	64	NUM
ajeer-267	123	17	©	©	PROPN
ajeer-267	123	18	2019	2019	NUM
ajeer-267	123	19	by	by	ADP
ajeer-267	123	20	the	the	DET
ajeer-267	123	21	authors	author	NOUN
ajeer-267	123	22	;	;	PUNCT
ajeer-267	123	23	licensee	licensee	PROPN
ajeer-267	123	24	asian	asian	ADJ
ajeer-267	123	25	online	online	PROPN
ajeer-267	123	26	journal	journal	PROPN
ajeer-267	123	27	publishing	publishing	NOUN
ajeer-267	123	28	group	group	PROPN
ajeer-267	123	29	3	3	NUM
ajeer-267	123	30	.	.	PUNCT
ajeer-267	123	31	research	research	NOUN
ajeer-267	123	32	methods	method	NOUN
ajeer-267	123	33	and	and	CCONJ
ajeer-267	123	34	data	datum	NOUN
ajeer-267	123	35	3.1	3.1	NUM
ajeer-267	123	36	.	.	PUNCT
ajeer-267	124	1	research	research	NOUN
ajeer-267	124	2	methods	method	NOUN
ajeer-267	124	3	to	to	PART
ajeer-267	124	4	measure	measure	VERB
ajeer-267	124	5	factors	factor	NOUN
ajeer-267	124	6	affecting	affect	VERB
ajeer-267	124	7	the	the	DET
ajeer-267	124	8	bank	bank	NOUN
ajeer-267	124	9	credit	credit	NOUN
ajeer-267	124	10	accessibility	accessibility	NOUN
ajeer-267	124	11	of	of	ADP
ajeer-267	124	12	rural	rural	ADJ
ajeer-267	124	13	households	household	NOUN
ajeer-267	124	14	in	in	ADP
ajeer-267	124	15	vietnam	vietnam	PROPN
ajeer-267	124	16	,	,	PUNCT
ajeer-267	124	17	heckman	heckman	PROPN
ajeer-267	124	18	two	two	NUM
ajeer-267	124	19	-	-	PUNCT
ajeer-267	124	20	stage	stage	NOUN
ajeer-267	124	21	method	method	NOUN
ajeer-267	124	22	(	(	PUNCT
ajeer-267	124	23	heckman	heckman	PROPN
ajeer-267	124	24	,	,	PUNCT
ajeer-267	124	25	1979	1979	NUM
ajeer-267	124	26	)	)	PUNCT
ajeer-267	124	27	was	be	AUX
ajeer-267	124	28	used	use	VERB
ajeer-267	124	29	in	in	ADP
ajeer-267	124	30	this	this	DET
ajeer-267	124	31	research	research	NOUN
ajeer-267	124	32	.	.	PUNCT
ajeer-267	125	1	in	in	ADP
ajeer-267	125	2	particular	particular	ADJ
ajeer-267	125	3	,	,	PUNCT
ajeer-267	125	4	the	the	DET
ajeer-267	125	5	bank	bank	NOUN
ajeer-267	125	6	credit	credit	NOUN
ajeer-267	125	7	accessibility	accessibility	NOUN
ajeer-267	125	8	of	of	ADP
ajeer-267	125	9	rural	rural	ADJ
ajeer-267	125	10	households	household	NOUN
ajeer-267	125	11	is	be	AUX
ajeer-267	125	12	assessed	assess	VERB
ajeer-267	125	13	through	through	ADP
ajeer-267	125	14	two	two	NUM
ajeer-267	125	15	criteria	criterion	NOUN
ajeer-267	125	16	:	:	PUNCT
ajeer-267	125	17	(	(	PUNCT
ajeer-267	125	18	i	i	NOUN
ajeer-267	125	19	)	)	PUNCT
ajeer-267	125	20	the	the	DET
ajeer-267	125	21	possibility	possibility	NOUN
ajeer-267	125	22	to	to	PART
ajeer-267	125	23	receive	receive	VERB
ajeer-267	125	24	bank	bank	NOUN
ajeer-267	125	25	credit	credit	NOUN
ajeer-267	125	26	with	with	ADP
ajeer-267	125	27	the	the	DET
ajeer-267	125	28	control	control	NOUN
ajeer-267	125	29	group	group	NOUN
ajeer-267	125	30	that	that	PRON
ajeer-267	125	31	are	be	AUX
ajeer-267	125	32	households	household	NOUN
ajeer-267	125	33	can	can	AUX
ajeer-267	125	34	not	not	PART
ajeer-267	125	35	access	access	VERB
ajeer-267	125	36	bank	bank	NOUN
ajeer-267	125	37	credits	credit	NOUN
ajeer-267	125	38	;	;	PUNCT
ajeer-267	125	39	(	(	PUNCT
ajeer-267	125	40	ii	ii	NOUN
ajeer-267	125	41	)	)	PUNCT
ajeer-267	125	42	the	the	DET
ajeer-267	125	43	total	total	ADJ
ajeer-267	125	44	amount	amount	NOUN
ajeer-267	125	45	borrowed	borrow	VERB
ajeer-267	125	46	by	by	ADP
ajeer-267	125	47	the	the	DET
ajeer-267	125	48	rural	rural	ADJ
ajeer-267	125	49	households	household	NOUN
ajeer-267	125	50	.	.	PUNCT
ajeer-267	126	1	the	the	DET
ajeer-267	126	2	first	first	ADJ
ajeer-267	126	3	stage	stage	NOUN
ajeer-267	126	4	of	of	ADP
ajeer-267	126	5	heckman	heckman	PROPN
ajeer-267	126	6	method	method	PROPN
ajeer-267	126	7	is	be	AUX
ajeer-267	126	8	to	to	PART
ajeer-267	126	9	use	use	VERB
ajeer-267	126	10	the	the	DET
ajeer-267	126	11	probability	probability	NOUN
ajeer-267	126	12	unit	unit	NOUN
ajeer-267	126	13	model	model	NOUN
ajeer-267	126	14	to	to	PART
ajeer-267	126	15	estimate	estimate	VERB
ajeer-267	126	16	the	the	DET
ajeer-267	126	17	possibility	possibility	NOUN
ajeer-267	126	18	to	to	PART
ajeer-267	126	19	receive	receive	VERB
ajeer-267	126	20	loans	loan	NOUN
ajeer-267	126	21	of	of	ADP
ajeer-267	126	22	rural	rural	ADJ
ajeer-267	126	23	households	household	NOUN
ajeer-267	126	24	.	.	PUNCT
ajeer-267	127	1	the	the	DET
ajeer-267	127	2	specific	specific	ADJ
ajeer-267	127	3	model	model	NOUN
ajeer-267	127	4	is	be	AUX
ajeer-267	127	5	as	as	ADP
ajeer-267	127	6	equation	equation	NOUN
ajeer-267	127	7	1	1	NUM
ajeer-267	127	8	:	:	PUNCT
ajeer-267	127	9	(	(	PUNCT
ajeer-267	127	10	)	)	PUNCT
ajeer-267	127	11	1	1	NUM
ajeer-267	127	12	(	(	PUNCT
ajeer-267	127	13	)	)	PUNCT
ajeer-267	127	14	1	1	NUM
ajeer-267	127	15	x	x	SYM
ajeer-267	127	16	p	p	X
ajeer-267	127	17	f	f	X
ajeer-267	127	18	x	x	SYM
ajeer-267	127	19	e	e	X
ajeer-267	127	20			NUM
ajeer-267	127	21			PROPN
ajeer-267	127	22			NUM
ajeer-267	127	23			PROPN
ajeer-267	127	24			PROPN
ajeer-267	127	25			VERB
ajeer-267	127	26			NUM
ajeer-267	127	27			ADJ
ajeer-267	127	28			NUM
ajeer-267	127	29			X
ajeer-267	127	30	(	(	PUNCT
ajeer-267	127	31	1	1	NUM
ajeer-267	127	32	)	)	PUNCT
ajeer-267	127	33	to	to	PART
ajeer-267	127	34	make	make	VERB
ajeer-267	127	35	an	an	DET
ajeer-267	127	36	estimate	estimate	NOUN
ajeer-267	127	37	,	,	PUNCT
ajeer-267	127	38	the	the	DET
ajeer-267	127	39	model	model	NOUN
ajeer-267	127	40	(	(	PUNCT
ajeer-267	127	41	1	1	X
ajeer-267	127	42	)	)	PUNCT
ajeer-267	127	43	is	be	AUX
ajeer-267	127	44	needed	need	VERB
ajeer-267	127	45	to	to	PART
ajeer-267	127	46	convert	convert	VERB
ajeer-267	127	47	to	to	ADP
ajeer-267	127	48	a	a	DET
ajeer-267	127	49	linear	linear	ADJ
ajeer-267	127	50	form	form	NOUN
ajeer-267	127	51	as	as	ADP
ajeer-267	127	52	equation	equation	NOUN
ajeer-267	127	53	2	2	NUM
ajeer-267	127	54	:	:	PUNCT
ajeer-267	128	1	i	i	PRON
ajeer-267	128	2	i	i	PRON
ajeer-267	129	1	i	i	PRON
ajeer-267	129	2	ifoac	ifoac	VERB
ajeer-267	129	3	x	x	PROPN
ajeer-267	129	4			PROPN
ajeer-267	129	5			PROPN
ajeer-267	129	6			VERB
ajeer-267	129	7			X
ajeer-267	129	8	(	(	PUNCT
ajeer-267	129	9	2	2	NUM
ajeer-267	129	10	)	)	PUNCT
ajeer-267	129	11	in	in	ADP
ajeer-267	129	12	which	which	PRON
ajeer-267	129	13	,	,	PUNCT
ajeer-267	129	14	foac	foac	NOUN
ajeer-267	129	15	is	be	AUX
ajeer-267	129	16	the	the	DET
ajeer-267	129	17	possibility	possibility	NOUN
ajeer-267	129	18	to	to	PART
ajeer-267	129	19	receive	receive	VERB
ajeer-267	129	20	bank	bank	NOUN
ajeer-267	129	21	credit	credit	NOUN
ajeer-267	129	22	of	of	ADP
ajeer-267	129	23	the	the	DET
ajeer-267	129	24	ith	ith	PROPN
ajeer-267	129	25	household	household	NOUN
ajeer-267	129	26	.	.	PUNCT
ajeer-267	130	1	foac	foac	NOUN
ajeer-267	130	2	equals	equal	VERB
ajeer-267	130	3	1	1	NUM
ajeer-267	130	4	if	if	SCONJ
ajeer-267	130	5	the	the	DET
ajeer-267	130	6	household	household	NOUN
ajeer-267	130	7	can	can	AUX
ajeer-267	130	8	receive	receive	VERB
ajeer-267	130	9	a	a	DET
ajeer-267	130	10	bank	bank	NOUN
ajeer-267	130	11	credit	credit	NOUN
ajeer-267	130	12	and	and	CCONJ
ajeer-267	130	13	equals	equal	VERB
ajeer-267	130	14	0	0	NUM
ajeer-267	130	15	in	in	ADP
ajeer-267	130	16	the	the	DET
ajeer-267	130	17	opposite	opposite	ADJ
ajeer-267	130	18	case	case	NOUN
ajeer-267	130	19	;	;	PUNCT
ajeer-267	130	20	x	x	X
ajeer-267	130	21	are	be	AUX
ajeer-267	130	22	control	control	NOUN
ajeer-267	130	23	variables	variable	NOUN
ajeer-267	130	24	that	that	PRON
ajeer-267	130	25	may	may	AUX
ajeer-267	130	26	affect	affect	VERB
ajeer-267	130	27	the	the	DET
ajeer-267	130	28	possibility	possibility	NOUN
ajeer-267	130	29	to	to	PART
ajeer-267	130	30	receive	receive	VERB
ajeer-267	130	31	bank	bank	NOUN
ajeer-267	130	32	credit	credit	NOUN
ajeer-267	130	33	of	of	ADP
ajeer-267	130	34	the	the	DET
ajeer-267	130	35	household	household	NOUN
ajeer-267	130	36	including	include	VERB
ajeer-267	130	37	personal	personal	ADJ
ajeer-267	130	38	characteristics	characteristic	NOUN
ajeer-267	130	39	(	(	PUNCT
ajeer-267	130	40	age	age	NOUN
ajeer-267	130	41	,	,	PUNCT
ajeer-267	130	42	gender	gender	NOUN
ajeer-267	130	43	,	,	PUNCT
ajeer-267	130	44	ethnic	ethnic	ADJ
ajeer-267	130	45	group	group	NOUN
ajeer-267	130	46	,	,	PUNCT
ajeer-267	130	47	marital	marital	ADJ
ajeer-267	130	48	status	status	NOUN
ajeer-267	130	49	,	,	PUNCT
ajeer-267	130	50	educational	educational	ADJ
ajeer-267	130	51	status	status	NOUN
ajeer-267	130	52	)	)	PUNCT
ajeer-267	130	53	,	,	PUNCT
ajeer-267	130	54	demographic	demographic	ADJ
ajeer-267	130	55	characteristics	characteristic	NOUN
ajeer-267	130	56	(	(	PUNCT
ajeer-267	130	57	household	household	NOUN
ajeer-267	130	58	size	size	NOUN
ajeer-267	130	59	,	,	PUNCT
ajeer-267	130	60	percentage	percentage	NOUN
ajeer-267	130	61	of	of	ADP
ajeer-267	130	62	dependent	dependent	ADJ
ajeer-267	130	63	persons	person	NOUN
ajeer-267	130	64	)	)	PUNCT
ajeer-267	130	65	,	,	PUNCT
ajeer-267	130	66	financial	financial	ADJ
ajeer-267	130	67	characteristics	characteristic	NOUN
ajeer-267	130	68	of	of	ADP
ajeer-267	130	69	the	the	DET
ajeer-267	130	70	household	household	NOUN
ajeer-267	130	71	(	(	PUNCT
ajeer-267	130	72	average	average	ADJ
ajeer-267	130	73	income	income	NOUN
ajeer-267	130	74	,	,	PUNCT
ajeer-267	130	75	personal	personal	ADJ
ajeer-267	130	76	funding	funding	NOUN
ajeer-267	130	77	,	,	PUNCT
ajeer-267	130	78	savings	saving	NOUN
ajeer-267	130	79	,	,	PUNCT
ajeer-267	130	80	unpaid	unpaid	ADJ
ajeer-267	130	81	loan	loan	NOUN
ajeer-267	130	82	value	value	NOUN
ajeer-267	130	83	)	)	PUNCT
ajeer-267	130	84	,	,	PUNCT
ajeer-267	130	85	member	member	NOUN
ajeer-267	130	86	of	of	ADP
ajeer-267	130	87	associations	association	NOUN
ajeer-267	130	88	(	(	PUNCT
ajeer-267	130	89	farmers	farmer	NOUN
ajeer-267	130	90	associations	association	NOUN
ajeer-267	130	91	,	,	PUNCT
ajeer-267	130	92	women	woman	NOUN
ajeer-267	130	93	's	's	PART
ajeer-267	130	94	unions	union	NOUN
ajeer-267	130	95	,	,	PUNCT
ajeer-267	130	96	householder	householder	NOUN
ajeer-267	130	97	as	as	ADP
ajeer-267	130	98	a	a	DET
ajeer-267	130	99	communist	communist	ADJ
ajeer-267	130	100	party	party	NOUN
ajeer-267	130	101	member	member	NOUN
ajeer-267	130	102	,	,	PUNCT
ajeer-267	130	103	veterans	veterans	PROPN
ajeer-267	130	104	association	association	PROPN
ajeer-267	130	105	)	)	PUNCT
ajeer-267	130	106	,	,	PUNCT
ajeer-267	130	107	natural	natural	ADJ
ajeer-267	130	108	shocks	shock	NOUN
ajeer-267	130	109	;	;	PUNCT
ajeer-267	130	110			PROPN
ajeer-267	130	111	is	be	AUX
ajeer-267	130	112	interference	interference	NOUN
ajeer-267	130	113	.	.	PUNCT
ajeer-267	131	1	the	the	DET
ajeer-267	131	2	second	second	ADJ
ajeer-267	131	3	stage	stage	NOUN
ajeer-267	131	4	in	in	ADP
ajeer-267	131	5	the	the	DET
ajeer-267	131	6	heckman	heckman	PROPN
ajeer-267	131	7	two	two	NUM
ajeer-267	131	8	-	-	PUNCT
ajeer-267	131	9	stage	stage	NOUN
ajeer-267	131	10	model	model	NOUN
ajeer-267	131	11	is	be	AUX
ajeer-267	131	12	to	to	PART
ajeer-267	131	13	estimate	estimate	VERB
ajeer-267	131	14	the	the	DET
ajeer-267	131	15	bank	bank	NOUN
ajeer-267	131	16	credit	credit	NOUN
ajeer-267	131	17	limits	limit	NOUN
ajeer-267	131	18	received	receive	VERB
ajeer-267	131	19	by	by	ADP
ajeer-267	131	20	the	the	DET
ajeer-267	131	21	households	household	NOUN
ajeer-267	131	22	by	by	ADP
ajeer-267	131	23	the	the	DET
ajeer-267	131	24	ordinary	ordinary	ADJ
ajeer-267	131	25	least	least	ADJ
ajeer-267	131	26	square	square	ADJ
ajeer-267	131	27	(	(	PUNCT
ajeer-267	131	28	ols	ol	NOUN
ajeer-267	131	29	)	)	PUNCT
ajeer-267	131	30	method	method	NOUN
ajeer-267	131	31	.	.	PUNCT
ajeer-267	132	1	the	the	DET
ajeer-267	132	2	regression	regression	NOUN
ajeer-267	132	3	model	model	NOUN
ajeer-267	132	4	is	be	AUX
ajeer-267	132	5	as	as	ADP
ajeer-267	132	6	equation	equation	NOUN
ajeer-267	132	7	3	3	NUM
ajeer-267	132	8	:	:	PUNCT
ajeer-267	132	9	i	i	PRON
ajeer-267	132	10	i	i	PRON
ajeer-267	133	1	i	i	PRON
ajeer-267	133	2	iloanv	iloanv	PROPN
ajeer-267	133	3	x	x	PROPN
ajeer-267	133	4			PROPN
ajeer-267	133	5			PROPN
ajeer-267	133	6			VERB
ajeer-267	133	7			X
ajeer-267	133	8	(	(	PUNCT
ajeer-267	133	9	3	3	X
ajeer-267	133	10	)	)	PUNCT
ajeer-267	133	11	in	in	ADP
ajeer-267	133	12	which	which	PRON
ajeer-267	133	13	,	,	PUNCT
ajeer-267	133	14	loanv	loanv	PROPN
ajeer-267	133	15	is	be	AUX
ajeer-267	133	16	the	the	DET
ajeer-267	133	17	total	total	ADJ
ajeer-267	133	18	amount	amount	NOUN
ajeer-267	133	19	borrowed	borrow	VERB
ajeer-267	133	20	by	by	ADP
ajeer-267	133	21	the	the	DET
ajeer-267	133	22	ith	ith	PROPN
ajeer-267	133	23	household	household	NOUN
ajeer-267	133	24	;	;	PUNCT
ajeer-267	133	25	x	x	X
ajeer-267	133	26	are	be	AUX
ajeer-267	133	27	control	control	NOUN
ajeer-267	133	28	variables	variable	NOUN
ajeer-267	133	29	that	that	PRON
ajeer-267	133	30	can	can	AUX
ajeer-267	133	31	affect	affect	VERB
ajeer-267	133	32	the	the	DET
ajeer-267	133	33	loan	loan	NOUN
ajeer-267	133	34	value	value	NOUN
ajeer-267	133	35	of	of	ADP
ajeer-267	133	36	the	the	DET
ajeer-267	133	37	household	household	NOUN
ajeer-267	133	38	including	include	VERB
ajeer-267	133	39	personal	personal	ADJ
ajeer-267	133	40	characteristics	characteristic	NOUN
ajeer-267	133	41	(	(	PUNCT
ajeer-267	133	42	age	age	NOUN
ajeer-267	133	43	,	,	PUNCT
ajeer-267	133	44	gender	gender	NOUN
ajeer-267	133	45	,	,	PUNCT
ajeer-267	133	46	ethnic	ethnic	ADJ
ajeer-267	133	47	group	group	NOUN
ajeer-267	133	48	,	,	PUNCT
ajeer-267	133	49	marital	marital	ADJ
ajeer-267	133	50	status	status	NOUN
ajeer-267	133	51	,	,	PUNCT
ajeer-267	133	52	educational	educational	ADJ
ajeer-267	133	53	status	status	NOUN
ajeer-267	133	54	of	of	ADP
ajeer-267	133	55	the	the	DET
ajeer-267	133	56	householder	householder	NOUN
ajeer-267	133	57	)	)	PUNCT
ajeer-267	133	58	,	,	PUNCT
ajeer-267	133	59	demographic	demographic	ADJ
ajeer-267	133	60	characteristics	characteristic	NOUN
ajeer-267	133	61	(	(	PUNCT
ajeer-267	133	62	household	household	NOUN
ajeer-267	133	63	size	size	NOUN
ajeer-267	133	64	,	,	PUNCT
ajeer-267	133	65	percentage	percentage	NOUN
ajeer-267	133	66	of	of	ADP
ajeer-267	133	67	dependent	dependent	ADJ
ajeer-267	133	68	persons	person	NOUN
ajeer-267	133	69	)	)	PUNCT
ajeer-267	133	70	,	,	PUNCT
ajeer-267	133	71	financial	financial	ADJ
ajeer-267	133	72	characteristics	characteristic	NOUN
ajeer-267	133	73	of	of	ADP
ajeer-267	133	74	the	the	DET
ajeer-267	133	75	household	household	NOUN
ajeer-267	133	76	(	(	PUNCT
ajeer-267	133	77	average	average	ADJ
ajeer-267	133	78	income	income	NOUN
ajeer-267	133	79	,	,	PUNCT
ajeer-267	133	80	personal	personal	ADJ
ajeer-267	133	81	funding	funding	NOUN
ajeer-267	133	82	,	,	PUNCT
ajeer-267	133	83	savings	saving	NOUN
ajeer-267	133	84	,	,	PUNCT
ajeer-267	133	85	unpaid	unpaid	ADJ
ajeer-267	133	86	loan	loan	NOUN
ajeer-267	133	87	value	value	NOUN
ajeer-267	133	88	,	,	PUNCT
ajeer-267	133	89	borrowing	borrowing	NOUN
ajeer-267	133	90	durations	duration	NOUN
ajeer-267	133	91	of	of	ADP
ajeer-267	133	92	unpaid	unpaid	ADJ
ajeer-267	133	93	loans	loan	NOUN
ajeer-267	133	94	)	)	PUNCT
ajeer-267	133	95	,	,	PUNCT
ajeer-267	133	96	credit	credit	NOUN
ajeer-267	133	97	characteristics	characteristic	NOUN
ajeer-267	133	98	(	(	PUNCT
ajeer-267	133	99	official	official	ADJ
ajeer-267	133	100	loan	loan	NOUN
ajeer-267	133	101	interest	interest	NOUN
ajeer-267	133	102	rate	rate	NOUN
ajeer-267	133	103	,	,	PUNCT
ajeer-267	133	104	loan	loan	NOUN
ajeer-267	133	105	term	term	NOUN
ajeer-267	133	106	,	,	PUNCT
ajeer-267	133	107	total	total	ADJ
ajeer-267	133	108	collateral	collateral	ADJ
ajeer-267	133	109	value	value	NOUN
ajeer-267	133	110	,	,	PUNCT
ajeer-267	133	111	with	with	ADP
ajeer-267	133	112	guarantor	guarantor	NOUN
ajeer-267	133	113	,	,	PUNCT
ajeer-267	133	114	amount	amount	NOUN
ajeer-267	133	115	payable	payable	ADJ
ajeer-267	133	116	for	for	ADP
ajeer-267	133	117	loan	loan	NOUN
ajeer-267	133	118	,	,	PUNCT
ajeer-267	133	119	purpose	purpose	NOUN
ajeer-267	133	120	of	of	ADP
ajeer-267	133	121	loan	loan	NOUN
ajeer-267	133	122	as	as	ADP
ajeer-267	133	123	per	per	ADP
ajeer-267	133	124	the	the	DET
ajeer-267	133	125	application	application	NOUN
ajeer-267	133	126	for	for	ADP
ajeer-267	133	127	borrowing	borrowing	NOUN
ajeer-267	133	128	,	,	PUNCT
ajeer-267	133	129	actual	actual	ADJ
ajeer-267	133	130	use	use	NOUN
ajeer-267	133	131	of	of	ADP
ajeer-267	133	132	loans	loan	NOUN
ajeer-267	133	133	,	,	PUNCT
ajeer-267	133	134	mortgage	mortgage	NOUN
ajeer-267	133	135	of	of	ADP
ajeer-267	133	136	assets	asset	NOUN
ajeer-267	133	137	)	)	PUNCT
ajeer-267	133	138	,	,	PUNCT
ajeer-267	133	139	member	member	NOUN
ajeer-267	133	140	of	of	ADP
ajeer-267	133	141	associations	association	NOUN
ajeer-267	133	142	(	(	PUNCT
ajeer-267	133	143	farmers	farmer	NOUN
ajeer-267	133	144	association	association	PROPN
ajeer-267	133	145	,	,	PUNCT
ajeer-267	133	146	women	woman	NOUN
ajeer-267	133	147	's	's	PART
ajeer-267	133	148	unions	union	NOUN
ajeer-267	133	149	,	,	PUNCT
ajeer-267	133	150	householder	householder	NOUN
ajeer-267	133	151	as	as	ADP
ajeer-267	133	152	a	a	DET
ajeer-267	133	153	communist	communist	ADJ
ajeer-267	133	154	party	party	NOUN
ajeer-267	133	155	member	member	NOUN
ajeer-267	133	156	,	,	PUNCT
ajeer-267	133	157	veterans	veterans	PROPN
ajeer-267	133	158	association	association	PROPN
ajeer-267	133	159	)	)	PUNCT
ajeer-267	133	160	,	,	PUNCT
ajeer-267	133	161	natural	natural	ADJ
ajeer-267	133	162	shocks	shock	NOUN
ajeer-267	133	163	;	;	PUNCT
ajeer-267	133	164			PROPN
ajeer-267	133	165	is	be	AUX
ajeer-267	133	166	interference	interference	NOUN
ajeer-267	133	167	.	.	PUNCT
ajeer-267	134	1	3.2	3.2	NUM
ajeer-267	134	2	.	.	PUNCT
ajeer-267	135	1	research	research	NOUN
ajeer-267	135	2	data	datum	NOUN
ajeer-267	135	3	this	this	DET
ajeer-267	135	4	research	research	NOUN
ajeer-267	135	5	uses	use	VERB
ajeer-267	135	6	secondary	secondary	ADJ
ajeer-267	135	7	data	datum	NOUN
ajeer-267	135	8	from	from	ADP
ajeer-267	135	9	dataset	dataset	NOUN
ajeer-267	135	10	of	of	ADP
ajeer-267	135	11	vietnam	vietnam	PROPN
ajeer-267	135	12	household	household	NOUN
ajeer-267	135	13	living	live	VERB
ajeer-267	135	14	standard	standard	ADJ
ajeer-267	135	15	survey	survey	NOUN
ajeer-267	135	16	in	in	ADP
ajeer-267	135	17	2014	2014	NUM
ajeer-267	135	18	and	and	CCONJ
ajeer-267	135	19	2016	2016	NUM
ajeer-267	135	20	to	to	PART
ajeer-267	135	21	eliminate	eliminate	VERB
ajeer-267	135	22	the	the	DET
ajeer-267	135	23	shock	shock	NOUN
ajeer-267	135	24	due	due	ADP
ajeer-267	135	25	to	to	ADP
ajeer-267	135	26	the	the	DET
ajeer-267	135	27	global	global	ADJ
ajeer-267	135	28	economic	economic	ADJ
ajeer-267	135	29	crisis	crisis	NOUN
ajeer-267	135	30	in	in	ADP
ajeer-267	135	31	2008	2008	NUM
ajeer-267	135	32	-	-	SYM
ajeer-267	135	33	2009	2009	NUM
ajeer-267	135	34	making	make	VERB
ajeer-267	135	35	the	the	DET
ajeer-267	135	36	estimate	estimate	NOUN
ajeer-267	135	37	unsustainable	unsustainable	ADJ
ajeer-267	135	38	.	.	PUNCT
ajeer-267	136	1	the	the	DET
ajeer-267	136	2	survey	survey	NOUN
ajeer-267	136	3	scope	scope	NOUN
ajeer-267	136	4	of	of	ADP
ajeer-267	136	5	this	this	DET
ajeer-267	136	6	dataset	dataset	NOUN
ajeer-267	136	7	is	be	AUX
ajeer-267	136	8	61	61	NUM
ajeer-267	136	9	provinces	province	NOUN
ajeer-267	136	10	and	and	CCONJ
ajeer-267	136	11	cities	city	NOUN
ajeer-267	136	12	implemented	implement	VERB
ajeer-267	136	13	by	by	ADP
ajeer-267	136	14	the	the	DET
ajeer-267	136	15	general	general	ADJ
ajeer-267	136	16	statistics	statistics	PROPN
ajeer-267	136	17	office	office	NOUN
ajeer-267	136	18	from	from	ADP
ajeer-267	136	19	2002	2002	NUM
ajeer-267	136	20	to	to	ADP
ajeer-267	136	21	2016	2016	NUM
ajeer-267	136	22	in	in	ADP
ajeer-267	136	23	which	which	PRON
ajeer-267	136	24	the	the	DET
ajeer-267	136	25	surveyed	survey	VERB
ajeer-267	136	26	subjects	subject	NOUN
ajeer-267	136	27	are	be	AUX
ajeer-267	136	28	households	household	NOUN
ajeer-267	136	29	,	,	PUNCT
ajeer-267	136	30	members	member	NOUN
ajeer-267	136	31	of	of	ADP
ajeer-267	136	32	households	household	NOUN
ajeer-267	136	33	and	and	CCONJ
ajeer-267	136	34	communes	commune	NOUN
ajeer-267	136	35	/	/	SYM
ajeer-267	136	36	wards	ward	NOUN
ajeer-267	136	37	.	.	PUNCT
ajeer-267	137	1	the	the	DET
ajeer-267	137	2	survey	survey	NOUN
ajeer-267	137	3	applies	apply	VERB
ajeer-267	137	4	the	the	DET
ajeer-267	137	5	direct	direct	ADJ
ajeer-267	137	6	interview	interview	NOUN
ajeer-267	137	7	method	method	NOUN
ajeer-267	137	8	through	through	ADP
ajeer-267	137	9	questionnaires	questionnaire	NOUN
ajeer-267	137	10	in	in	ADP
ajeer-267	137	11	which	which	PRON
ajeer-267	137	12	the	the	DET
ajeer-267	137	13	surveyors	surveyor	NOUN
ajeer-267	137	14	visit	visit	VERB
ajeer-267	137	15	the	the	DET
ajeer-267	137	16	householder	householder	NOUN
ajeer-267	137	17	and	and	CCONJ
ajeer-267	137	18	related	related	ADJ
ajeer-267	137	19	members	member	NOUN
ajeer-267	137	20	in	in	ADP
ajeer-267	137	21	the	the	DET
ajeer-267	137	22	household	household	NOUN
ajeer-267	137	23	.	.	PUNCT
ajeer-267	138	1	at	at	ADP
ajeer-267	138	2	the	the	DET
ajeer-267	138	3	household	household	NOUN
ajeer-267	138	4	level	level	NOUN
ajeer-267	138	5	,	,	PUNCT
ajeer-267	138	6	some	some	DET
ajeer-267	138	7	characteristics	characteristic	NOUN
ajeer-267	138	8	collected	collect	VERB
ajeer-267	138	9	include	include	VERB
ajeer-267	138	10	demographic	demographic	ADJ
ajeer-267	138	11	items	item	NOUN
ajeer-267	138	12	,	,	PUNCT
ajeer-267	138	13	household	household	NOUN
ajeer-267	138	14	income	income	NOUN
ajeer-267	138	15	,	,	PUNCT
ajeer-267	138	16	household	household	NOUN
ajeer-267	138	17	expenditure	expenditure	NOUN
ajeer-267	138	18	,	,	PUNCT
ajeer-267	138	19	educational	educational	ADJ
ajeer-267	138	20	level	level	NOUN
ajeer-267	138	21	,	,	PUNCT
ajeer-267	138	22	heath	heath	PROPN
ajeer-267	138	23	status	status	PROPN
ajeer-267	138	24	,	,	PUNCT
ajeer-267	138	25	employment	employment	NOUN
ajeer-267	138	26	status	status	NOUN
ajeer-267	138	27	,	,	PUNCT
ajeer-267	138	28	assets	asset	NOUN
ajeer-267	138	29	and	and	CCONJ
ajeer-267	138	30	properties	property	NOUN
ajeer-267	138	31	,	,	PUNCT
ajeer-267	138	32	participation	participation	NOUN
ajeer-267	138	33	in	in	ADP
ajeer-267	138	34	poverty	poverty	NOUN
ajeer-267	138	35	and	and	CCONJ
ajeer-267	138	36	alleviation	alleviation	NOUN
ajeer-267	138	37	programs	program	NOUN
ajeer-267	138	38	,	,	PUNCT
ajeer-267	138	39	etc	etc	X
ajeer-267	138	40	.	.	X
ajeer-267	139	1	at	at	ADP
ajeer-267	139	2	the	the	DET
ajeer-267	139	3	commune	commune	NOUN
ajeer-267	139	4	/	/	SYM
ajeer-267	139	5	ward	ward	NOUN
ajeer-267	139	6	level	level	NOUN
ajeer-267	139	7	,	,	PUNCT
ajeer-267	139	8	some	some	DET
ajeer-267	139	9	aspects	aspect	NOUN
ajeer-267	139	10	collected	collect	VERB
ajeer-267	139	11	are	be	AUX
ajeer-267	139	12	socio	socio	NOUN
ajeer-267	139	13	-	-	PUNCT
ajeer-267	139	14	economic	economic	ADJ
ajeer-267	139	15	infrastructure	infrastructure	NOUN
ajeer-267	139	16	and	and	CCONJ
ajeer-267	139	17	economic	economic	ADJ
ajeer-267	139	18	situation	situation	NOUN
ajeer-267	139	19	.	.	PUNCT
ajeer-267	140	1	4	4	X
ajeer-267	140	2	.	.	X
ajeer-267	140	3	research	research	NOUN
ajeer-267	140	4	results	result	VERB
ajeer-267	140	5	4.1	4.1	NUM
ajeer-267	140	6	.	.	PUNCT
ajeer-267	141	1	descriptive	descriptive	ADJ
ajeer-267	141	2	statistics	statistic	NOUN
ajeer-267	141	3	the	the	DET
ajeer-267	141	4	statistical	statistical	ADJ
ajeer-267	141	5	results	result	NOUN
ajeer-267	141	6	showed	show	VERB
ajeer-267	141	7	that	that	SCONJ
ajeer-267	141	8	the	the	DET
ajeer-267	141	9	average	average	ADJ
ajeer-267	141	10	credit	credit	NOUN
ajeer-267	141	11	capital	capital	NOUN
ajeer-267	141	12	borrowed	borrow	VERB
ajeer-267	141	13	by	by	ADP
ajeer-267	141	14	each	each	DET
ajeer-267	141	15	rural	rural	ADJ
ajeer-267	141	16	household	household	NOUN
ajeer-267	141	17	was	be	AUX
ajeer-267	141	18	about	about	ADP
ajeer-267	141	19	vnd	vnd	PROPN
ajeer-267	141	20	48	48	NUM
ajeer-267	141	21	million	million	NUM
ajeer-267	141	22	in	in	ADP
ajeer-267	141	23	2014	2014	NUM
ajeer-267	141	24	and	and	CCONJ
ajeer-267	141	25	vnd	vnd	PROPN
ajeer-267	141	26	55	55	NUM
ajeer-267	141	27	million	million	NUM
ajeer-267	141	28	in	in	ADP
ajeer-267	141	29	2016	2016	NUM
ajeer-267	141	30	.	.	PUNCT
ajeer-267	142	1	the	the	DET
ajeer-267	142	2	largest	large	ADJ
ajeer-267	142	3	loan	loan	NOUN
ajeer-267	142	4	values	value	NOUN
ajeer-267	142	5	in	in	ADP
ajeer-267	142	6	2014	2014	NUM
ajeer-267	142	7	and	and	CCONJ
ajeer-267	142	8	2016	2016	NUM
ajeer-267	142	9	were	be	AUX
ajeer-267	142	10	respectively	respectively	ADV
ajeer-267	142	11	vnd	vnd	PROPN
ajeer-267	142	12	1.25	1.25	NUM
ajeer-267	142	13	billion	billion	NUM
ajeer-267	142	14	and	and	CCONJ
ajeer-267	142	15	vnd	vnd	PROPN
ajeer-267	142	16	1	1	NUM
ajeer-267	142	17	billion	billion	NUM
ajeer-267	142	18	.	.	PUNCT
ajeer-267	143	1	the	the	DET
ajeer-267	143	2	average	average	ADJ
ajeer-267	143	3	monthly	monthly	ADJ
ajeer-267	143	4	interest	interest	NOUN
ajeer-267	143	5	rate	rate	NOUN
ajeer-267	143	6	was	be	AUX
ajeer-267	143	7	0.87	0.87	NUM
ajeer-267	143	8	%	%	NOUN
ajeer-267	143	9	and	and	CCONJ
ajeer-267	143	10	0.70	0.70	NUM
ajeer-267	143	11	%	%	NOUN
ajeer-267	143	12	in	in	ADP
ajeer-267	143	13	2014	2014	NUM
ajeer-267	143	14	and	and	CCONJ
ajeer-267	143	15	2016	2016	NUM
ajeer-267	143	16	,	,	PUNCT
ajeer-267	143	17	respectively	respectively	ADV
ajeer-267	143	18	.	.	PUNCT
ajeer-267	144	1	the	the	DET
ajeer-267	144	2	average	average	ADJ
ajeer-267	144	3	previous	previous	ADJ
ajeer-267	144	4	borrowing	borrowing	NOUN
ajeer-267	144	5	duration	duration	NOUN
ajeer-267	144	6	in	in	ADP
ajeer-267	144	7	2014	2014	NUM
ajeer-267	144	8	was	be	AUX
ajeer-267	144	9	almost	almost	ADV
ajeer-267	144	10	twice	twice	DET
ajeer-267	144	11	that	that	DET
ajeer-267	144	12	in	in	ADP
ajeer-267	144	13	2016	2016	NUM
ajeer-267	144	14	.	.	PUNCT
ajeer-267	145	1	the	the	DET
ajeer-267	145	2	amount	amount	NOUN
ajeer-267	145	3	payable	payable	ADJ
ajeer-267	145	4	for	for	ADP
ajeer-267	145	5	loan	loan	NOUN
ajeer-267	145	6	in	in	ADP
ajeer-267	145	7	2016	2016	NUM
ajeer-267	145	8	was	be	AUX
ajeer-267	145	9	less	less	ADJ
ajeer-267	145	10	than	than	ADP
ajeer-267	145	11	that	that	PRON
ajeer-267	145	12	in	in	ADP
ajeer-267	145	13	2014	2014	NUM
ajeer-267	145	14	.	.	PUNCT
ajeer-267	146	1	average	average	ADJ
ajeer-267	146	2	income	income	NOUN
ajeer-267	146	3	per	per	ADP
ajeer-267	146	4	capita	capita	NOUN
ajeer-267	146	5	of	of	ADP
ajeer-267	146	6	the	the	DET
ajeer-267	146	7	households	household	NOUN
ajeer-267	146	8	in	in	ADP
ajeer-267	146	9	2016	2016	NUM
ajeer-267	146	10	was	be	AUX
ajeer-267	146	11	improved	improve	VERB
ajeer-267	146	12	in	in	ADP
ajeer-267	146	13	comparison	comparison	NOUN
ajeer-267	146	14	to	to	ADP
ajeer-267	146	15	that	that	PRON
ajeer-267	146	16	in	in	ADP
ajeer-267	146	17	2014	2014	NUM
ajeer-267	146	18	,	,	PUNCT
ajeer-267	146	19	table	table	NOUN
ajeer-267	146	20	2	2	NUM
ajeer-267	146	21	.	.	PUNCT
ajeer-267	147	1	in	in	ADP
ajeer-267	147	2	general	general	ADJ
ajeer-267	147	3	,	,	PUNCT
ajeer-267	147	4	the	the	DET
ajeer-267	147	5	households	household	NOUN
ajeer-267	147	6	continue	continue	VERB
ajeer-267	147	7	to	to	PART
ajeer-267	147	8	significantly	significantly	ADV
ajeer-267	147	9	depend	depend	VERB
ajeer-267	147	10	on	on	ADP
ajeer-267	147	11	informal	informal	ADJ
ajeer-267	147	12	credit	credit	NOUN
ajeer-267	147	13	sources	source	NOUN
ajeer-267	147	14	including	include	VERB
ajeer-267	147	15	farmers	farmer	NOUN
ajeer-267	147	16	'	'	PART
ajeer-267	147	17	association	association	NOUN
ajeer-267	147	18	,	,	PUNCT
ajeer-267	147	19	veterans	veterans	PROPN
ajeer-267	147	20	association	association	PROPN
ajeer-267	147	21	,	,	PUNCT
ajeer-267	147	22	women	woman	NOUN
ajeer-267	147	23	's	's	PART
ajeer-267	147	24	unions	union	NOUN
ajeer-267	147	25	,	,	PUNCT
ajeer-267	147	26	traders	trader	NOUN
ajeer-267	147	27	,	,	PUNCT
ajeer-267	147	28	especially	especially	ADV
ajeer-267	147	29	friends	friend	NOUN
ajeer-267	147	30	,	,	PUNCT
ajeer-267	147	31	relatives	relative	NOUN
ajeer-267	147	32	,	,	PUNCT
ajeer-267	147	33	etc	etc	X
ajeer-267	147	34	.	.	X
ajeer-267	148	1	moreover	moreover	ADV
ajeer-267	148	2	,	,	PUNCT
ajeer-267	148	3	if	if	SCONJ
ajeer-267	148	4	the	the	DET
ajeer-267	148	5	purposes	purpose	NOUN
ajeer-267	148	6	of	of	ADP
ajeer-267	148	7	borrowing	borrowing	NOUN
ajeer-267	148	8	are	be	AUX
ajeer-267	148	9	divided	divide	VERB
ajeer-267	148	10	by	by	ADP
ajeer-267	148	11	applications	application	NOUN
ajeer-267	148	12	for	for	ADP
ajeer-267	148	13	borrowing	borrowing	NOUN
ajeer-267	148	14	and	and	CCONJ
ajeer-267	148	15	actual	actual	ADJ
ajeer-267	148	16	use	use	NOUN
ajeer-267	148	17	of	of	ADP
ajeer-267	148	18	loans	loan	NOUN
ajeer-267	148	19	in	in	ADP
ajeer-267	148	20	agricultural	agricultural	ADJ
ajeer-267	148	21	and	and	CCONJ
ajeer-267	148	22	nonagricultural	nonagricultural	ADJ
ajeer-267	148	23	activities	activity	NOUN
ajeer-267	148	24	,	,	PUNCT
ajeer-267	148	25	no	no	DET
ajeer-267	148	26	significant	significant	ADJ
ajeer-267	148	27	difference	difference	NOUN
ajeer-267	148	28	in	in	ADP
ajeer-267	148	29	the	the	DET
ajeer-267	148	30	proportion	proportion	NOUN
ajeer-267	148	31	between	between	ADP
ajeer-267	148	32	the	the	DET
ajeer-267	148	33	two	two	NUM
ajeer-267	148	34	types	type	NOUN
ajeer-267	148	35	of	of	ADP
ajeer-267	148	36	borrowing	borrowing	NOUN
ajeer-267	148	37	purposes	purpose	NOUN
ajeer-267	148	38	appears	appear	VERB
ajeer-267	148	39	.	.	PUNCT
ajeer-267	149	1	this	this	PRON
ajeer-267	149	2	implies	imply	VERB
ajeer-267	149	3	that	that	SCONJ
ajeer-267	149	4	about	about	ADV
ajeer-267	149	5	50	50	NUM
ajeer-267	149	6	%	%	NOUN
ajeer-267	149	7	of	of	ADP
ajeer-267	149	8	rural	rural	ADJ
ajeer-267	149	9	households	household	NOUN
ajeer-267	149	10	borrow	borrow	VERB
ajeer-267	149	11	for	for	ADP
ajeer-267	149	12	agriculture	agriculture	NOUN
ajeer-267	149	13	,	,	PUNCT
ajeer-267	149	14	the	the	DET
ajeer-267	149	15	remaining	remain	VERB
ajeer-267	149	16	about	about	ADV
ajeer-267	149	17	50	50	NUM
ajeer-267	149	18	%	%	NOUN
ajeer-267	149	19	borrow	borrow	VERB
ajeer-267	149	20	for	for	ADP
ajeer-267	149	21	education	education	NOUN
ajeer-267	149	22	and	and	CCONJ
ajeer-267	149	23	training	training	NOUN
ajeer-267	149	24	,	,	PUNCT
ajeer-267	149	25	medical	medical	ADJ
ajeer-267	149	26	examination	examination	NOUN
ajeer-267	149	27	and	and	CCONJ
ajeer-267	149	28	treatment	treatment	NOUN
ajeer-267	149	29	,	,	PUNCT
ajeer-267	149	30	land	land	NOUN
ajeer-267	149	31	purchase	purchase	NOUN
ajeer-267	149	32	,	,	PUNCT
ajeer-267	149	33	repayment	repayment	NOUN
ajeer-267	149	34	for	for	ADP
ajeer-267	149	35	other	other	ADJ
ajeer-267	149	36	loans	loan	NOUN
ajeer-267	149	37	,	,	PUNCT
ajeer-267	149	38	house	house	NOUN
ajeer-267	149	39	building	building	NOUN
ajeer-267	149	40	/	/	SYM
ajeer-267	149	41	purchase	purchase	NOUN
ajeer-267	149	42	.	.	PUNCT
ajeer-267	150	1	a	a	DET
ajeer-267	150	2	notable	notable	ADJ
ajeer-267	150	3	point	point	NOUN
ajeer-267	150	4	here	here	ADV
ajeer-267	150	5	is	be	AUX
ajeer-267	150	6	the	the	DET
ajeer-267	150	7	actual	actual	ADJ
ajeer-267	150	8	use	use	NOUN
ajeer-267	150	9	of	of	ADP
ajeer-267	150	10	loans	loan	NOUN
ajeer-267	150	11	for	for	ADP
ajeer-267	150	12	agricultural	agricultural	ADJ
ajeer-267	150	13	activities	activity	NOUN
ajeer-267	150	14	is	be	AUX
ajeer-267	150	15	even	even	ADV
ajeer-267	150	16	lower	low	ADJ
ajeer-267	150	17	than	than	ADP
ajeer-267	150	18	the	the	DET
ajeer-267	150	19	purpose	purpose	NOUN
ajeer-267	150	20	of	of	ADP
ajeer-267	150	21	loans	loan	NOUN
ajeer-267	150	22	according	accord	VERB
ajeer-267	150	23	to	to	ADP
ajeer-267	150	24	applications	application	NOUN
ajeer-267	150	25	for	for	ADP
ajeer-267	150	26	borrowing	borrowing	NOUN
ajeer-267	150	27	.	.	PUNCT
ajeer-267	151	1	asian	asian	ADJ
ajeer-267	151	2	journal	journal	PROPN
ajeer-267	151	3	of	of	ADP
ajeer-267	151	4	economics	economic	NOUN
ajeer-267	151	5	and	and	CCONJ
ajeer-267	151	6	empirical	empirical	ADJ
ajeer-267	151	7	research	research	NOUN
ajeer-267	151	8	,	,	PUNCT
ajeer-267	151	9	2019	2019	NUM
ajeer-267	151	10	,	,	PUNCT
ajeer-267	151	11	6(1	6(1	NUM
ajeer-267	151	12	):	):	PUNCT
ajeer-267	151	13	59	59	NUM
ajeer-267	151	14	-	-	SYM
ajeer-267	151	15	69	69	NUM
ajeer-267	151	16	65	65	NUM
ajeer-267	151	17	©	©	PROPN
ajeer-267	151	18	2019	2019	NUM
ajeer-267	151	19	by	by	ADP
ajeer-267	151	20	the	the	DET
ajeer-267	151	21	authors	author	NOUN
ajeer-267	151	22	;	;	PUNCT
ajeer-267	151	23	licensee	licensee	PROPN
ajeer-267	151	24	asian	asian	ADJ
ajeer-267	151	25	online	online	PROPN
ajeer-267	151	26	journal	journal	PROPN
ajeer-267	151	27	publishing	publishing	NOUN
ajeer-267	151	28	group	group	NOUN
ajeer-267	151	29	table-2	table-2	NUM
ajeer-267	151	30	.	.	PUNCT
ajeer-267	151	31	descriptive	descriptive	ADJ
ajeer-267	151	32	statistics	statistic	NOUN
ajeer-267	151	33	results	result	NOUN
ajeer-267	151	34	.	.	PUNCT
ajeer-267	152	1	variables	variable	NOUN
ajeer-267	152	2	marked	mark	VERB
ajeer-267	152	3	average	average	ADJ
ajeer-267	152	4	standard	standard	ADJ
ajeer-267	152	5	deviation	deviation	NOUN
ajeer-267	152	6	lowest	low	ADJ
ajeer-267	152	7	highest	high	ADJ
ajeer-267	152	8	2014	2014	NUM
ajeer-267	152	9	2016	2016	NUM
ajeer-267	152	10	2014	2014	NUM
ajeer-267	152	11	2016	2016	NUM
ajeer-267	152	12	2014	2014	NUM
ajeer-267	152	13	2016	2016	NUM
ajeer-267	152	14	2014	2014	NUM
ajeer-267	152	15	2016	2016	NUM
ajeer-267	152	16	credit	credit	NOUN
ajeer-267	152	17	accessibility	accessibility	NOUN
ajeer-267	152	18	foac	foac	VERB
ajeer-267	152	19	0.81	0.81	NUM
ajeer-267	152	20	0.83	0.83	NUM
ajeer-267	152	21	0.40	0.40	NUM
ajeer-267	152	22	0.37	0.37	NUM
ajeer-267	152	23	0	0	NUM
ajeer-267	152	24	0	0	NUM
ajeer-267	152	25	1	1	NUM
ajeer-267	152	26	1	1	NUM
ajeer-267	152	27	average	average	ADJ
ajeer-267	152	28	income	income	NOUN
ajeer-267	152	29	avgincome	avgincome	NOUN
ajeer-267	152	30	1855.15	1855.15	NUM
ajeer-267	152	31	2226.03	2226.03	NUM
ajeer-267	152	32	1674.02	1674.02	NUM
ajeer-267	152	33	2712.57	2712.57	NUM
ajeer-267	152	34	224	224	NUM
ajeer-267	152	35	357	357	NUM
ajeer-267	152	36	17159	17159	NUM
ajeer-267	152	37	57146	57146	NUM
ajeer-267	152	38	total	total	ADJ
ajeer-267	152	39	income	income	NOUN
ajeer-267	152	40	income	income	NOUN
ajeer-267	152	41	87723.37	87723.37	NUM
ajeer-267	152	42	99909.87	99909.87	NUM
ajeer-267	152	43	81902.95	81902.95	NUM
ajeer-267	152	44	89489.91	89489.91	NUM
ajeer-267	152	45	10447	10447	NUM
ajeer-267	152	46	10999	10999	NUM
ajeer-267	152	47	1029550	1029550	NUM
ajeer-267	152	48	1371510	1371510	NUM
ajeer-267	152	49	householder	householder	NOUN
ajeer-267	152	50	’s	’s	PART
ajeer-267	152	51	age	age	NOUN
ajeer-267	152	52	age	age	NOUN
ajeer-267	152	53	46.80	46.80	NUM
ajeer-267	152	54	47.80	47.80	NUM
ajeer-267	152	55	11.76	11.76	NUM
ajeer-267	152	56	11.58	11.58	NUM
ajeer-267	152	57	19	19	NUM
ajeer-267	152	58	21	21	NUM
ajeer-267	152	59	89	89	NUM
ajeer-267	152	60	91	91	NUM
ajeer-267	152	61	householder	householder	NOUN
ajeer-267	152	62	’s	’s	PART
ajeer-267	152	63	gender	gender	NOUN
ajeer-267	152	64	sex	sex	NOUN
ajeer-267	152	65	0.81	0.81	NUM
ajeer-267	152	66	0.79	0.79	NUM
ajeer-267	152	67	0.39	0.39	NUM
ajeer-267	152	68	0.41	0.41	NUM
ajeer-267	152	69	0	0	NUM
ajeer-267	152	70	0	0	NUM
ajeer-267	152	71	1	1	NUM
ajeer-267	152	72	1	1	NUM
ajeer-267	152	73	ethnic	ethnic	ADJ
ajeer-267	152	74	group	group	NOUN
ajeer-267	152	75	eth	eth	X
ajeer-267	152	76	0.75	0.75	NUM
ajeer-267	152	77	0.73	0.73	NUM
ajeer-267	152	78	0.44	0.44	NUM
ajeer-267	152	79	0.44	0.44	NUM
ajeer-267	152	80	0	0	NUM
ajeer-267	152	81	0	0	NUM
ajeer-267	152	82	1	1	NUM
ajeer-267	152	83	1	1	NUM
ajeer-267	152	84	marital	marital	ADJ
ajeer-267	152	85	status	status	NOUN
ajeer-267	152	86	sta	sta	NOUN
ajeer-267	152	87	0.85	0.85	NUM
ajeer-267	152	88	0.84	0.84	NUM
ajeer-267	152	89	0.35	0.35	NUM
ajeer-267	152	90	0.36	0.36	NUM
ajeer-267	152	91	0	0	NUM
ajeer-267	152	92	0	0	NUM
ajeer-267	152	93	1	1	NUM
ajeer-267	152	94	1	1	NUM
ajeer-267	152	95	householder	householder	NOUN
ajeer-267	152	96	’s	’s	PART
ajeer-267	152	97	education	education	NOUN
ajeer-267	152	98	status	status	NOUN
ajeer-267	152	99	edu	edu	PROPN
ajeer-267	152	100	2.66	2.66	NUM
ajeer-267	152	101	2.66	2.66	NUM
ajeer-267	152	102	1.50	1.50	NUM
ajeer-267	152	103	1.47	1.47	NUM
ajeer-267	152	104	1	1	NUM
ajeer-267	152	105	1	1	NUM
ajeer-267	152	106	7	7	NUM
ajeer-267	152	107	7	7	NUM
ajeer-267	152	108	household	household	NOUN
ajeer-267	152	109	size	size	NOUN
ajeer-267	152	110	size	size	NOUN
ajeer-267	152	111	4.17	4.17	NUM
ajeer-267	152	112	4.04	4.04	NUM
ajeer-267	152	113	1.47	1.47	NUM
ajeer-267	152	114	1.48	1.48	NUM
ajeer-267	152	115	1	1	NUM
ajeer-267	152	116	1	1	NUM
ajeer-267	152	117	10	10	NUM
ajeer-267	152	118	10	10	NUM
ajeer-267	152	119	percentage	percentage	NOUN
ajeer-267	152	120	of	of	ADP
ajeer-267	152	121	dependent	dependent	ADJ
ajeer-267	152	122	persons	person	NOUN
ajeer-267	152	123	dep	dep	NOUN
ajeer-267	152	124	0.37	0.37	NUM
ajeer-267	152	125	0.37	0.37	NUM
ajeer-267	152	126	0.25	0.25	NUM
ajeer-267	152	127	0.26	0.26	NUM
ajeer-267	152	128	0	0	NUM
ajeer-267	152	129	0	0	NUM
ajeer-267	152	130	1	1	NUM
ajeer-267	152	131	1	1	NUM
ajeer-267	152	132	personal	personal	ADJ
ajeer-267	152	133	funding	funding	NOUN
ajeer-267	152	134	inf	inf	NOUN
ajeer-267	152	135	0.84	0.84	NUM
ajeer-267	152	136	0.85	0.85	NUM
ajeer-267	152	137	0.37	0.37	NUM
ajeer-267	152	138	0.36	0.36	NUM
ajeer-267	152	139	0	0	NUM
ajeer-267	152	140	0	0	NUM
ajeer-267	152	141	1	1	NUM
ajeer-267	152	142	1	1	NUM
ajeer-267	152	143	savings	saving	NOUN
ajeer-267	152	144	sav	sav	NOUN
ajeer-267	152	145	0.02	0.02	NUM
ajeer-267	152	146	0.02	0.02	NUM
ajeer-267	152	147	0.12	0.12	NUM
ajeer-267	152	148	0.14	0.14	NUM
ajeer-267	152	149	0	0	NUM
ajeer-267	152	150	0	0	NUM
ajeer-267	152	151	1	1	NUM
ajeer-267	152	152	1	1	NUM
ajeer-267	152	153	previous	previous	ADJ
ajeer-267	152	154	borrowing	borrowing	NOUN
ajeer-267	152	155	duration	duration	NOUN
ajeer-267	152	156	loantime	loantime	NOUN
ajeer-267	152	157	4.26	4.26	NUM
ajeer-267	152	158	2.75	2.75	NUM
ajeer-267	152	159	2.14	2.14	NUM
ajeer-267	152	160	2.65	2.65	NUM
ajeer-267	152	161	2	2	NUM
ajeer-267	152	162	.25	.25	NUM
ajeer-267	152	163	17.58333	17.58333	NUM
ajeer-267	152	164	20.41667	20.41667	NUM
ajeer-267	152	165	loan	loan	NOUN
ajeer-267	152	166	value	value	NOUN
ajeer-267	152	167	loanv	loanv	NOUN
ajeer-267	152	168	47664.28	47664.28	NUM
ajeer-267	152	169	55012.31	55012.31	NUM
ajeer-267	152	170	97139.68	97139.68	NUM
ajeer-267	152	171	99102.06	99102.06	NUM
ajeer-267	152	172	890	890	NUM
ajeer-267	152	173	500	500	NUM
ajeer-267	152	174	1250000	1250000	NUM
ajeer-267	152	175	1000000	1000000	NUM
ajeer-267	152	176	amount	amount	NOUN
ajeer-267	152	177	loan	loan	NOUN
ajeer-267	152	178	payment	payment	NOUN
ajeer-267	152	179	fee	fee	NOUN
ajeer-267	152	180	34.78	34.78	NUM
ajeer-267	152	181	33.70	33.70	NUM
ajeer-267	152	182	250.65	250.65	NUM
ajeer-267	152	183	222.19	222.19	NUM
ajeer-267	152	184	0	0	NUM
ajeer-267	152	185	0	0	NUM
ajeer-267	152	186	5000	5000	NUM
ajeer-267	152	187	3000	3000	NUM
ajeer-267	152	188	official	official	ADJ
ajeer-267	152	189	loan	loan	NOUN
ajeer-267	152	190	interest	interest	NOUN
ajeer-267	152	191	rate	rate	NOUN
ajeer-267	152	192	loaninterest	loaninterest	NOUN
ajeer-267	152	193	0.87	0.87	NUM
ajeer-267	152	194	0.70	0.70	NUM
ajeer-267	152	195	1.42	1.42	NUM
ajeer-267	152	196	0.90	0.90	NUM
ajeer-267	152	197	0	0	NUM
ajeer-267	152	198	0	0	NUM
ajeer-267	152	199	12.5	12.5	NUM
ajeer-267	152	200	10	10	NUM
ajeer-267	152	201	purpose	purpose	NOUN
ajeer-267	152	202	of	of	ADP
ajeer-267	152	203	loan	loan	NOUN
ajeer-267	152	204	as	as	ADP
ajeer-267	152	205	per	per	ADP
ajeer-267	152	206	application	application	NOUN
ajeer-267	152	207	for	for	ADP
ajeer-267	152	208	borrowing	borrow	VERB
ajeer-267	152	209	tar0n	tar0n	NOUN
ajeer-267	152	210	0.54	0.54	NUM
ajeer-267	152	211	0.51	0.51	NUM
ajeer-267	152	212	0.50	0.50	NUM
ajeer-267	152	213	0.50	0.50	NUM
ajeer-267	152	214	0	0	NUM
ajeer-267	152	215	0	0	NUM
ajeer-267	152	216	1	1	NUM
ajeer-267	152	217	1	1	NUM
ajeer-267	152	218	actual	actual	ADJ
ajeer-267	152	219	use	use	NOUN
ajeer-267	152	220	of	of	ADP
ajeer-267	152	221	loan	loan	NOUN
ajeer-267	152	222	tar1n	tar1n	PROPN
ajeer-267	152	223	0.44	0.44	NUM
ajeer-267	152	224	0.41	0.41	NUM
ajeer-267	152	225	0.50	0.50	NUM
ajeer-267	152	226	0.49	0.49	NUM
ajeer-267	152	227	0	0	NUM
ajeer-267	152	228	9	9	NUM
ajeer-267	152	229	1	1	NUM
ajeer-267	152	230	1	1	NUM
ajeer-267	152	231	mortgage	mortgage	NOUN
ajeer-267	152	232	of	of	ADP
ajeer-267	152	233	assets	asset	NOUN
ajeer-267	152	234	col	col	NOUN
ajeer-267	152	235	0.35	0.35	NUM
ajeer-267	152	236	0.38	0.38	NUM
ajeer-267	152	237	0.48	0.48	NUM
ajeer-267	152	238	0.49	0.49	NUM
ajeer-267	152	239	0	0	NUM
ajeer-267	152	240	0	0	NUM
ajeer-267	152	241	1	1	NUM
ajeer-267	152	242	1	1	NUM
ajeer-267	152	243	unpaid	unpaid	NOUN
ajeer-267	152	244	amount	amount	NOUN
ajeer-267	152	245	unpay	unpay	NOUN
ajeer-267	152	246	46310.68	46310.68	NUM
ajeer-267	152	247	50707.68	50707.68	NUM
ajeer-267	152	248	99071.25	99071.25	NUM
ajeer-267	152	249	92548.86	92548.86	NUM
ajeer-267	152	250	890	890	NUM
ajeer-267	152	251	0	0	NUM
ajeer-267	152	252	1250000	1250000	NUM
ajeer-267	152	253	1000000	1000000	NUM
ajeer-267	152	254	nature	nature	NOUN
ajeer-267	152	255	shock	shock	NOUN
ajeer-267	152	256	nasock	nasock	NOUN
ajeer-267	152	257	0.84	0.84	NUM
ajeer-267	152	258	0.84	0.84	NUM
ajeer-267	152	259	0.37	0.37	NUM
ajeer-267	152	260	0.37	0.37	NUM
ajeer-267	152	261	0	0	NUM
ajeer-267	152	262	0	0	NUM
ajeer-267	152	263	1	1	NUM
ajeer-267	152	264	1	1	NUM
ajeer-267	152	265	member	member	NOUN
ajeer-267	152	266	of	of	ADP
ajeer-267	152	267	farmers	farmers	PROPN
ajeer-267	152	268	association	association	PROPN
ajeer-267	152	269	agrc	agrc	VERB
ajeer-267	152	270	0.45	0.45	NUM
ajeer-267	152	271	0.44	0.44	NUM
ajeer-267	152	272	0.50	0.50	NUM
ajeer-267	152	273	0.50	0.50	NUM
ajeer-267	152	274	0	0	NUM
ajeer-267	152	275	0	0	NUM
ajeer-267	152	276	1	1	NUM
ajeer-267	152	277	1	1	NUM
ajeer-267	152	278	member	member	NOUN
ajeer-267	152	279	of	of	ADP
ajeer-267	152	280	women	women	PROPN
ajeer-267	152	281	’s	’s	PART
ajeer-267	152	282	union	union	PROPN
ajeer-267	152	283	womec	womec	VERB
ajeer-267	152	284	0.11	0.11	NUM
ajeer-267	152	285	0.11	0.11	NUM
ajeer-267	152	286	0.32	0.32	NUM
ajeer-267	152	287	0.32	0.32	NUM
ajeer-267	152	288	0	0	NUM
ajeer-267	152	289	0	0	NUM
ajeer-267	152	290	1	1	NUM
ajeer-267	152	291	1	1	NUM
ajeer-267	152	292	party	party	NOUN
ajeer-267	152	293	member	member	NOUN
ajeer-267	152	294	party	party	NOUN
ajeer-267	152	295	0.07	0.07	NUM
ajeer-267	152	296	0.07	0.07	NUM
ajeer-267	152	297	0.25	0.25	NUM
ajeer-267	152	298	0.26	0.26	NUM
ajeer-267	152	299	0	0	NUM
ajeer-267	152	300	0	0	NUM
ajeer-267	152	301	1	1	NUM
ajeer-267	152	302	1	1	NUM
ajeer-267	152	303	member	member	NOUN
ajeer-267	152	304	of	of	ADP
ajeer-267	152	305	veterans	veterans	PROPN
ajeer-267	152	306	association	association	PROPN
ajeer-267	152	307	veterc	veterc	ADJ
ajeer-267	152	308	0.10	0.10	NUM
ajeer-267	152	309	0.09	0.09	NUM
ajeer-267	152	310	0.31	0.31	NUM
ajeer-267	152	311	0.28	0.28	NUM
ajeer-267	152	312	0	0	NUM
ajeer-267	152	313	0	0	NUM
ajeer-267	152	314	1	1	NUM
ajeer-267	152	315	1	1	NUM
ajeer-267	152	316	source	source	NOUN
ajeer-267	152	317	:	:	PUNCT
ajeer-267	152	318	calculated	calculate	VERB
ajeer-267	152	319	by	by	ADP
ajeer-267	152	320	the	the	DET
ajeer-267	152	321	author	author	NOUN
ajeer-267	152	322	based	base	VERB
ajeer-267	152	323	on	on	ADP
ajeer-267	152	324	vhlss	vhlss	ADJ
ajeer-267	152	325	2014	2014	NUM
ajeer-267	152	326	and	and	CCONJ
ajeer-267	152	327	vhlss	vhlss	ADJ
ajeer-267	152	328	2016	2016	NUM
ajeer-267	152	329	dataset	dataset	NOUN
ajeer-267	152	330	.	.	PUNCT
ajeer-267	153	1	an	an	DET
ajeer-267	153	2	important	important	ADJ
ajeer-267	153	3	feature	feature	NOUN
ajeer-267	153	4	of	of	ADP
ajeer-267	153	5	households	household	NOUN
ajeer-267	153	6	receiving	receive	VERB
ajeer-267	153	7	loans	loan	NOUN
ajeer-267	153	8	is	be	AUX
ajeer-267	153	9	often	often	ADV
ajeer-267	153	10	that	that	SCONJ
ajeer-267	153	11	such	such	ADJ
ajeer-267	153	12	household	household	NOUN
ajeer-267	153	13	is	be	AUX
ajeer-267	153	14	a	a	DET
ajeer-267	153	15	member	member	NOUN
ajeer-267	153	16	a	a	DET
ajeer-267	153	17	certain	certain	ADJ
ajeer-267	153	18	organization	organization	NOUN
ajeer-267	153	19	such	such	ADJ
ajeer-267	153	20	as	as	ADP
ajeer-267	153	21	farmer	farmer	NOUN
ajeer-267	153	22	's	's	PART
ajeer-267	153	23	associations	association	NOUN
ajeer-267	153	24	,	,	PUNCT
ajeer-267	153	25	women	woman	NOUN
ajeer-267	153	26	's	's	PART
ajeer-267	153	27	unions	union	NOUN
ajeer-267	153	28	,	,	PUNCT
ajeer-267	153	29	etc	etc	X
ajeer-267	153	30	.	.	X
ajeer-267	154	1	according	accord	VERB
ajeer-267	154	2	to	to	ADP
ajeer-267	154	3	statistics	statistics	PROPN
ajeer-267	154	4	data	datum	NOUN
ajeer-267	154	5	,	,	PUNCT
ajeer-267	154	6	more	more	ADJ
ajeer-267	154	7	than	than	ADP
ajeer-267	154	8	38.63	38.63	NUM
ajeer-267	154	9	%	%	NOUN
ajeer-267	154	10	of	of	ADP
ajeer-267	154	11	households	household	NOUN
ajeer-267	154	12	obtaining	obtain	VERB
ajeer-267	154	13	loans	loan	NOUN
ajeer-267	154	14	from	from	ADP
ajeer-267	154	15	bank	bank	NOUN
ajeer-267	154	16	credits	credit	NOUN
ajeer-267	154	17	are	be	AUX
ajeer-267	154	18	members	member	NOUN
ajeer-267	154	19	of	of	ADP
ajeer-267	154	20	the	the	DET
ajeer-267	154	21	farmers	farmer	NOUN
ajeer-267	154	22	association	association	PROPN
ajeer-267	154	23	.	.	PUNCT
ajeer-267	155	1	this	this	DET
ajeer-267	155	2	rate	rate	NOUN
ajeer-267	155	3	is	be	AUX
ajeer-267	155	4	higher	high	ADJ
ajeer-267	155	5	than	than	ADP
ajeer-267	155	6	the	the	DET
ajeer-267	155	7	proportion	proportion	NOUN
ajeer-267	155	8	of	of	ADP
ajeer-267	155	9	households	household	NOUN
ajeer-267	155	10	in	in	ADP
ajeer-267	155	11	which	which	PRON
ajeer-267	155	12	there	there	PRON
ajeer-267	155	13	is	be	VERB
ajeer-267	155	14	a	a	DET
ajeer-267	155	15	member	member	NOUN
ajeer-267	155	16	joining	join	VERB
ajeer-267	155	17	in	in	ADP
ajeer-267	155	18	the	the	DET
ajeer-267	155	19	women	woman	NOUN
ajeer-267	155	20	's	's	PART
ajeer-267	155	21	unions	union	NOUN
ajeer-267	155	22	,	,	PUNCT
ajeer-267	155	23	farmers	farmer	NOUN
ajeer-267	155	24	associations	association	NOUN
ajeer-267	155	25	,	,	PUNCT
ajeer-267	155	26	as	as	ADP
ajeer-267	155	27	a	a	DET
ajeer-267	155	28	member	member	NOUN
ajeer-267	155	29	of	of	ADP
ajeer-267	155	30	party	party	PROPN
ajeer-267	155	31	and	and	CCONJ
ajeer-267	155	32	veterans	veterans	PROPN
ajeer-267	155	33	association	association	PROPN
ajeer-267	155	34	in	in	ADP
ajeer-267	155	35	the	the	DET
ajeer-267	155	36	sample	sample	NOUN
ajeer-267	155	37	table	table	NOUN
ajeer-267	155	38	3	3	NUM
ajeer-267	155	39	.	.	X
ajeer-267	155	40	table-3	table-3	NUM
ajeer-267	155	41	.	.	PUNCT
ajeer-267	156	1	participated	participate	VERB
ajeer-267	156	2	characteristic	characteristic	NOUN
ajeer-267	156	3	of	of	ADP
ajeer-267	156	4	household	household	NOUN
ajeer-267	156	5	association	association	NOUN
ajeer-267	156	6	under	under	ADP
ajeer-267	156	7	credit	credit	NOUN
ajeer-267	156	8	access	access	NOUN
ajeer-267	156	9	.	.	PUNCT
ajeer-267	157	1	characteristic	characteristic	ADJ
ajeer-267	157	2	of	of	ADP
ajeer-267	157	3	household	household	NOUN
ajeer-267	157	4	access	access	NOUN
ajeer-267	157	5	to	to	ADP
ajeer-267	157	6	credit	credit	NOUN
ajeer-267	157	7	bank	bank	NOUN
ajeer-267	157	8	access	access	NOUN
ajeer-267	157	9	to	to	ADP
ajeer-267	157	10	informal	informal	ADJ
ajeer-267	157	11	credit	credit	NOUN
ajeer-267	157	12	access	access	NOUN
ajeer-267	157	13	to	to	ADP
ajeer-267	157	14	credit	credit	NOUN
ajeer-267	157	15	bank	bank	NOUN
ajeer-267	157	16	access	access	NOUN
ajeer-267	157	17	to	to	ADP
ajeer-267	157	18	informal	informal	ADJ
ajeer-267	157	19	credit	credit	NOUN
ajeer-267	157	20	2014	2014	NUM
ajeer-267	157	21	2014	2014	NUM
ajeer-267	157	22	2016	2016	NUM
ajeer-267	157	23	2016	2016	NUM
ajeer-267	157	24	member	member	NOUN
ajeer-267	157	25	of	of	ADP
ajeer-267	157	26	farmers	farmers	PROPN
ajeer-267	157	27	association	association	PROPN
ajeer-267	157	28	yes	yes	NOUN
ajeer-267	157	29	38.63	38.63	NUM
ajeer-267	157	30	%	%	NOUN
ajeer-267	157	31	6.52	6.52	NUM
ajeer-267	157	32	%	%	NOUN
ajeer-267	157	33	39.30	39.30	NUM
ajeer-267	157	34	%	%	NOUN
ajeer-267	157	35	4.52	4.52	NUM
ajeer-267	157	36	%	%	NOUN
ajeer-267	157	37	no	no	PRON
ajeer-267	157	38	42.14	42.14	NUM
ajeer-267	157	39	%	%	NOUN
ajeer-267	157	40	12.71	12.71	NUM
ajeer-267	157	41	%	%	NOUN
ajeer-267	157	42	44.15	44.15	NUM
ajeer-267	157	43	%	%	NOUN
ajeer-267	157	44	12.04	12.04	NUM
ajeer-267	157	45	%	%	NOUN
ajeer-267	157	46	member	member	NOUN
ajeer-267	157	47	of	of	ADP
ajeer-267	157	48	women	women	PROPN
ajeer-267	157	49	’s	’s	PART
ajeer-267	157	50	union	union	PROPN
ajeer-267	158	1	yes	yes	INTJ
ajeer-267	158	2	8.19	8.19	NUM
ajeer-267	158	3	%	%	NOUN
ajeer-267	158	4	3.01	3.01	NUM
ajeer-267	158	5	%	%	NOUN
ajeer-267	158	6	9.20	9.20	NUM
ajeer-267	158	7	%	%	NOUN
ajeer-267	158	8	2.17	2.17	NUM
ajeer-267	158	9	%	%	NOUN
ajeer-267	158	10	no	no	DET
ajeer-267	158	11	72.58	72.58	NUM
ajeer-267	158	12	%	%	NOUN
ajeer-267	158	13	16.22	16.22	NUM
ajeer-267	158	14	%	%	NOUN
ajeer-267	158	15	74.25	74.25	NUM
ajeer-267	158	16	%	%	NOUN
ajeer-267	158	17	14.38	14.38	NUM
ajeer-267	158	18	%	%	NOUN
ajeer-267	158	19	party	party	NOUN
ajeer-267	158	20	member	member	NOUN
ajeer-267	158	21	yes	yes	ADV
ajeer-267	158	22	6.02	6.02	NUM
ajeer-267	158	23	%	%	NOUN
ajeer-267	158	24	0.84	0.84	NUM
ajeer-267	158	25	%	%	NOUN
ajeer-267	158	26	6.52	6.52	NUM
ajeer-267	158	27	%	%	NOUN
ajeer-267	158	28	0.50	0.50	NUM
ajeer-267	158	29	%	%	NOUN
ajeer-267	158	30	no	no	DET
ajeer-267	158	31	74.75	74.75	NUM
ajeer-267	158	32	%	%	NOUN
ajeer-267	158	33	18.39	18.39	NUM
ajeer-267	158	34	%	%	NOUN
ajeer-267	158	35	76.92	76.92	NUM
ajeer-267	158	36	%	%	NOUN
ajeer-267	158	37	16.05	16.05	NUM
ajeer-267	158	38	%	%	NOUN
ajeer-267	158	39	member	member	NOUN
ajeer-267	158	40	of	of	ADP
ajeer-267	158	41	veterans	veterans	PROPN
ajeer-267	158	42	association	association	PROPN
ajeer-267	158	43	yes	yes	ADV
ajeer-267	158	44	8.36	8.36	NUM
ajeer-267	158	45	%	%	NOUN
ajeer-267	158	46	2.01	2.01	NUM
ajeer-267	158	47	%	%	NOUN
ajeer-267	158	48	7.36	7.36	NUM
ajeer-267	158	49	%	%	NOUN
ajeer-267	158	50	1.17	1.17	NUM
ajeer-267	158	51	%	%	NOUN
ajeer-267	158	52	no	no	DET
ajeer-267	158	53	72.41	72.41	NUM
ajeer-267	158	54	%	%	NOUN
ajeer-267	158	55	17.22	17.22	NUM
ajeer-267	158	56	%	%	NOUN
ajeer-267	158	57	76.09	76.09	NUM
ajeer-267	158	58	%	%	NOUN
ajeer-267	158	59	15.38	15.38	NUM
ajeer-267	158	60	%	%	NOUN
ajeer-267	158	61	source	source	NOUN
ajeer-267	158	62	:	:	PUNCT
ajeer-267	158	63	calculated	calculate	VERB
ajeer-267	158	64	by	by	ADP
ajeer-267	158	65	the	the	DET
ajeer-267	158	66	author	author	NOUN
ajeer-267	158	67	based	base	VERB
ajeer-267	158	68	on	on	ADP
ajeer-267	158	69	vhlss	vhlss	ADJ
ajeer-267	158	70	2014	2014	NUM
ajeer-267	158	71	and	and	CCONJ
ajeer-267	158	72	vhlss	vhlss	ADJ
ajeer-267	158	73	2016	2016	NUM
ajeer-267	158	74	dataset	dataset	VERB
ajeer-267	158	75	4.2	4.2	NUM
ajeer-267	158	76	.	.	PUNCT
ajeer-267	159	1	correlation	correlation	NOUN
ajeer-267	159	2	analysis	analysis	NOUN
ajeer-267	159	3	the	the	DET
ajeer-267	159	4	research	research	NOUN
ajeer-267	159	5	analyzes	analyze	VERB
ajeer-267	159	6	experimental	experimental	ADJ
ajeer-267	159	7	results	result	NOUN
ajeer-267	159	8	on	on	ADP
ajeer-267	159	9	determinants	determinant	NOUN
ajeer-267	159	10	of	of	ADP
ajeer-267	159	11	bank	bank	NOUN
ajeer-267	159	12	credit	credit	NOUN
ajeer-267	159	13	accessibility	accessibility	NOUN
ajeer-267	159	14	of	of	ADP
ajeer-267	159	15	rural	rural	ADJ
ajeer-267	159	16	households	household	NOUN
ajeer-267	159	17	in	in	ADP
ajeer-267	159	18	vietnam	vietnam	PROPN
ajeer-267	159	19	.	.	PUNCT
ajeer-267	160	1	firstly	firstly	ADV
ajeer-267	160	2	,	,	PUNCT
ajeer-267	160	3	the	the	DET
ajeer-267	160	4	author	author	NOUN
ajeer-267	160	5	considers	consider	VERB
ajeer-267	160	6	households	household	NOUN
ajeer-267	160	7	with	with	ADP
ajeer-267	160	8	major	major	ADJ
ajeer-267	160	9	loans	loan	NOUN
ajeer-267	160	10	obtained	obtain	VERB
ajeer-267	160	11	from	from	ADP
ajeer-267	160	12	bank	bank	NOUN
ajeer-267	160	13	credit	credit	NOUN
ajeer-267	160	14	institutions	institution	NOUN
ajeer-267	160	15	and	and	CCONJ
ajeer-267	160	16	informal	informal	ADJ
ajeer-267	160	17	credits	credit	NOUN
ajeer-267	160	18	,	,	PUNCT
ajeer-267	160	19	thereby	thereby	ADV
ajeer-267	160	20	analyzes	analyze	VERB
ajeer-267	160	21	which	which	DET
ajeer-267	160	22	characteristics	characteristic	NOUN
ajeer-267	160	23	determine	determine	VERB
ajeer-267	160	24	the	the	DET
ajeer-267	160	25	bank	bank	NOUN
ajeer-267	160	26	credit	credit	NOUN
ajeer-267	160	27	accessibility	accessibility	NOUN
ajeer-267	160	28	.	.	PUNCT
ajeer-267	161	1	then	then	ADV
ajeer-267	161	2	,	,	PUNCT
ajeer-267	161	3	the	the	DET
ajeer-267	161	4	difference	difference	NOUN
ajeer-267	161	5	in	in	ADP
ajeer-267	161	6	the	the	DET
ajeer-267	161	7	size	size	NOUN
ajeer-267	161	8	of	of	ADP
ajeer-267	161	9	loans	loan	NOUN
ajeer-267	161	10	received	receive	VERB
ajeer-267	161	11	by	by	ADP
ajeer-267	161	12	the	the	DET
ajeer-267	161	13	households	household	NOUN
ajeer-267	161	14	is	be	AUX
ajeer-267	161	15	analyzed	analyze	VERB
ajeer-267	161	16	.	.	PUNCT
ajeer-267	162	1	before	before	ADP
ajeer-267	162	2	selecting	select	VERB
ajeer-267	162	3	variables	variable	NOUN
ajeer-267	162	4	in	in	ADP
ajeer-267	162	5	the	the	DET
ajeer-267	162	6	research	research	NOUN
ajeer-267	162	7	model	model	NOUN
ajeer-267	162	8	,	,	PUNCT
ajeer-267	162	9	the	the	DET
ajeer-267	162	10	author	author	NOUN
ajeer-267	162	11	uses	use	VERB
ajeer-267	162	12	the	the	DET
ajeer-267	162	13	results	result	NOUN
ajeer-267	162	14	from	from	ADP
ajeer-267	162	15	the	the	DET
ajeer-267	162	16	correlation	correlation	NOUN
ajeer-267	162	17	matrix	matrix	NOUN
ajeer-267	162	18	to	to	PART
ajeer-267	162	19	eliminate	eliminate	VERB
ajeer-267	162	20	the	the	DET
ajeer-267	162	21	multicollinearity	multicollinearity	NOUN
ajeer-267	162	22	among	among	ADP
ajeer-267	162	23	them	they	PRON
ajeer-267	162	24	.	.	PUNCT
ajeer-267	163	1	the	the	DET
ajeer-267	163	2	results	result	NOUN
ajeer-267	163	3	show	show	VERB
ajeer-267	163	4	that	that	SCONJ
ajeer-267	163	5	most	most	ADJ
ajeer-267	163	6	correlation	correlation	NOUN
ajeer-267	163	7	coefficients	coefficient	NOUN
ajeer-267	163	8	are	be	AUX
ajeer-267	163	9	less	less	ADJ
ajeer-267	163	10	than	than	ADP
ajeer-267	163	11	0.8	0.8	NUM
ajeer-267	163	12	in	in	ADP
ajeer-267	163	13	all	all	DET
ajeer-267	163	14	the	the	DET
ajeer-267	163	15	models	model	NOUN
ajeer-267	163	16	researched	research	VERB
ajeer-267	163	17	,	,	PUNCT
ajeer-267	163	18	except	except	SCONJ
ajeer-267	163	19	for	for	ADP
ajeer-267	163	20	the	the	DET
ajeer-267	163	21	variable	variable	NOUN
ajeer-267	163	22	representing	represent	VERB
ajeer-267	163	23	the	the	DET
ajeer-267	163	24	unpaid	unpaid	ADJ
ajeer-267	163	25	loan	loan	NOUN
ajeer-267	163	26	value	value	NOUN
ajeer-267	163	27	in	in	ADP
ajeer-267	163	28	heckman	heckman	PROPN
ajeer-267	163	29	two	two	NUM
ajeer-267	163	30	-	-	PUNCT
ajeer-267	163	31	stage	stage	NOUN
ajeer-267	163	32	model	model	NOUN
ajeer-267	163	33	.	.	PUNCT
ajeer-267	164	1	therefore	therefore	ADV
ajeer-267	164	2	,	,	PUNCT
ajeer-267	164	3	this	this	DET
ajeer-267	164	4	variable	variable	NOUN
ajeer-267	164	5	is	be	AUX
ajeer-267	164	6	excluded	exclude	VERB
ajeer-267	164	7	from	from	ADP
ajeer-267	164	8	the	the	DET
ajeer-267	164	9	research	research	NOUN
ajeer-267	164	10	model	model	NOUN
ajeer-267	164	11	asian	asian	PROPN
ajeer-267	164	12	journal	journal	PROPN
ajeer-267	164	13	of	of	ADP
ajeer-267	164	14	economics	economic	NOUN
ajeer-267	164	15	and	and	CCONJ
ajeer-267	164	16	empirical	empirical	ADJ
ajeer-267	164	17	research	research	NOUN
ajeer-267	164	18	,	,	PUNCT
ajeer-267	164	19	2019	2019	NUM
ajeer-267	164	20	,	,	PUNCT
ajeer-267	164	21	6(1	6(1	NUM
ajeer-267	164	22	):	):	PUNCT
ajeer-267	164	23	59	59	NUM
ajeer-267	164	24	-	-	SYM
ajeer-267	164	25	69	69	NUM
ajeer-267	164	26	66	66	NUM
ajeer-267	164	27	©	©	PROPN
ajeer-267	164	28	2019	2019	NUM
ajeer-267	164	29	by	by	ADP
ajeer-267	164	30	the	the	DET
ajeer-267	164	31	authors	author	NOUN
ajeer-267	164	32	;	;	PUNCT
ajeer-267	164	33	licensee	licensee	PROPN
ajeer-267	164	34	asian	asian	ADJ
ajeer-267	164	35	online	online	PROPN
ajeer-267	164	36	journal	journal	PROPN
ajeer-267	164	37	publishing	publishing	PROPN
ajeer-267	164	38	group	group	NOUN
ajeer-267	164	39	4.3	4.3	NUM
ajeer-267	164	40	.	.	PUNCT
ajeer-267	165	1	regression	regression	NOUN
ajeer-267	165	2	results	result	NOUN
ajeer-267	165	3	in	in	ADP
ajeer-267	165	4	this	this	DET
ajeer-267	165	5	research	research	NOUN
ajeer-267	165	6	,	,	PUNCT
ajeer-267	165	7	the	the	DET
ajeer-267	165	8	research	research	NOUN
ajeer-267	165	9	samples	sample	NOUN
ajeer-267	165	10	are	be	AUX
ajeer-267	165	11	not	not	PART
ajeer-267	165	12	selected	select	VERB
ajeer-267	165	13	in	in	ADP
ajeer-267	165	14	a	a	DET
ajeer-267	165	15	random	random	ADJ
ajeer-267	165	16	way	way	NOUN
ajeer-267	165	17	,	,	PUNCT
ajeer-267	165	18	the	the	DET
ajeer-267	165	19	use	use	NOUN
ajeer-267	165	20	of	of	ADP
ajeer-267	165	21	regression	regression	NOUN
ajeer-267	165	22	techniques	technique	NOUN
ajeer-267	165	23	would	would	AUX
ajeer-267	165	24	thus	thus	ADV
ajeer-267	165	25	give	give	VERB
ajeer-267	165	26	deviated	deviate	VERB
ajeer-267	165	27	parameter	parameter	NOUN
ajeer-267	165	28	estimates	estimate	NOUN
ajeer-267	165	29	.	.	PUNCT
ajeer-267	166	1	in	in	ADP
ajeer-267	166	2	order	order	NOUN
ajeer-267	166	3	to	to	PART
ajeer-267	166	4	analyze	analyze	VERB
ajeer-267	166	5	the	the	DET
ajeer-267	166	6	types	type	NOUN
ajeer-267	166	7	of	of	ADP
ajeer-267	166	8	credit	credit	NOUN
ajeer-267	166	9	households	household	NOUN
ajeer-267	166	10	access	access	NOUN
ajeer-267	166	11	and	and	CCONJ
ajeer-267	166	12	the	the	DET
ajeer-267	166	13	impact	impact	NOUN
ajeer-267	166	14	of	of	ADP
ajeer-267	166	15	credit	credit	NOUN
ajeer-267	166	16	accessibility	accessibility	NOUN
ajeer-267	166	17	on	on	ADP
ajeer-267	166	18	household	household	NOUN
ajeer-267	166	19	income	income	NOUN
ajeer-267	166	20	,	,	PUNCT
ajeer-267	166	21	we	we	PRON
ajeer-267	166	22	control	control	VERB
ajeer-267	166	23	that	that	SCONJ
ajeer-267	166	24	,	,	PUNCT
ajeer-267	166	25	in	in	ADP
ajeer-267	166	26	fact	fact	NOUN
ajeer-267	166	27	,	,	PUNCT
ajeer-267	166	28	households	household	NOUN
ajeer-267	166	29	accessing	access	VERB
ajeer-267	166	30	credits	credit	NOUN
ajeer-267	166	31	are	be	AUX
ajeer-267	166	32	self	self	NOUN
ajeer-267	166	33	-	-	PUNCT
ajeer-267	166	34	selected	select	VERB
ajeer-267	166	35	ones	one	NOUN
ajeer-267	166	36	.	.	PUNCT
ajeer-267	167	1	these	these	DET
ajeer-267	167	2	households	household	NOUN
ajeer-267	167	3	may	may	AUX
ajeer-267	167	4	have	have	VERB
ajeer-267	167	5	characteristics	characteristic	NOUN
ajeer-267	167	6	related	relate	VERB
ajeer-267	167	7	to	to	ADP
ajeer-267	167	8	the	the	DET
ajeer-267	167	9	fact	fact	NOUN
ajeer-267	167	10	that	that	SCONJ
ajeer-267	167	11	they	they	PRON
ajeer-267	167	12	also	also	ADV
ajeer-267	167	13	have	have	AUX
ajeer-267	167	14	credit	credit	NOUN
ajeer-267	167	15	loans	loan	NOUN
ajeer-267	167	16	.	.	PUNCT
ajeer-267	168	1	to	to	PART
ajeer-267	168	2	control	control	VERB
ajeer-267	168	3	this	this	DET
ajeer-267	168	4	deviation	deviation	NOUN
ajeer-267	168	5	when	when	SCONJ
ajeer-267	168	6	estimating	estimate	VERB
ajeer-267	168	7	parameters	parameter	NOUN
ajeer-267	168	8	using	use	VERB
ajeer-267	168	9	standard	standard	ADJ
ajeer-267	168	10	regression	regression	NOUN
ajeer-267	168	11	techniques	technique	NOUN
ajeer-267	168	12	,	,	PUNCT
ajeer-267	168	13	the	the	DET
ajeer-267	168	14	research	research	NOUN
ajeer-267	168	15	uses	use	VERB
ajeer-267	168	16	heckman	heckman	PROPN
ajeer-267	168	17	's	's	PART
ajeer-267	168	18	sample	sample	NOUN
ajeer-267	168	19	selection	selection	NOUN
ajeer-267	168	20	model	model	NOUN
ajeer-267	168	21	(	(	PUNCT
ajeer-267	168	22	heckman	heckman	PROPN
ajeer-267	168	23	,	,	PUNCT
ajeer-267	168	24	1979	1979	NUM
ajeer-267	168	25	)	)	PUNCT
ajeer-267	168	26	.	.	PUNCT
ajeer-267	169	1	this	this	DET
ajeer-267	169	2	model	model	NOUN
ajeer-267	169	3	requires	require	VERB
ajeer-267	169	4	estimation	estimation	NOUN
ajeer-267	169	5	to	to	PART
ajeer-267	169	6	be	be	AUX
ajeer-267	169	7	done	do	VERB
ajeer-267	169	8	through	through	ADP
ajeer-267	169	9	two	two	NUM
ajeer-267	169	10	stages	stage	NOUN
ajeer-267	169	11	,	,	PUNCT
ajeer-267	169	12	also	also	ADV
ajeer-267	169	13	known	know	VERB
ajeer-267	169	14	as	as	ADP
ajeer-267	169	15	heckman	heckman	PROPN
ajeer-267	169	16	two	two	NUM
ajeer-267	169	17	-	-	PUNCT
ajeer-267	169	18	stage	stage	NOUN
ajeer-267	169	19	model	model	NOUN
ajeer-267	169	20	.	.	PUNCT
ajeer-267	170	1	in	in	ADP
ajeer-267	170	2	particular	particular	ADJ
ajeer-267	170	3	,	,	PUNCT
ajeer-267	170	4	the	the	DET
ajeer-267	170	5	first	first	ADJ
ajeer-267	170	6	stage	stage	NOUN
ajeer-267	170	7	is	be	AUX
ajeer-267	170	8	to	to	PART
ajeer-267	170	9	analyze	analyze	VERB
ajeer-267	170	10	the	the	DET
ajeer-267	170	11	determinants	determinant	NOUN
ajeer-267	170	12	of	of	ADP
ajeer-267	170	13	bank	bank	NOUN
ajeer-267	170	14	or	or	CCONJ
ajeer-267	170	15	informal	informal	ADJ
ajeer-267	170	16	credit	credit	NOUN
ajeer-267	170	17	accessibility	accessibility	NOUN
ajeer-267	170	18	of	of	ADP
ajeer-267	170	19	households	household	NOUN
ajeer-267	170	20	using	use	VERB
ajeer-267	170	21	the	the	DET
ajeer-267	170	22	probit	probit	NOUN
ajeer-267	170	23	model	model	NOUN
ajeer-267	170	24	.	.	PUNCT
ajeer-267	171	1	these	these	DET
ajeer-267	171	2	determinants	determinant	NOUN
ajeer-267	171	3	are	be	AUX
ajeer-267	171	4	controlled	control	VERB
ajeer-267	171	5	in	in	ADP
ajeer-267	171	6	the	the	DET
ajeer-267	171	7	regression	regression	NOUN
ajeer-267	171	8	in	in	ADP
ajeer-267	171	9	the	the	DET
ajeer-267	171	10	second	second	ADJ
ajeer-267	171	11	stage	stage	NOUN
ajeer-267	171	12	to	to	PART
ajeer-267	171	13	estimate	estimate	VERB
ajeer-267	171	14	household	household	NOUN
ajeer-267	171	15	income	income	NOUN
ajeer-267	171	16	by	by	ADP
ajeer-267	171	17	including	include	VERB
ajeer-267	171	18	the	the	DET
ajeer-267	171	19	ratio	ratio	NOUN
ajeer-267	171	20	of	of	ADP
ajeer-267	171	21	the	the	DET
ajeer-267	171	22	probability	probability	NOUN
ajeer-267	171	23	density	density	NOUN
ajeer-267	171	24	function	function	NOUN
ajeer-267	171	25	to	to	ADP
ajeer-267	171	26	the	the	DET
ajeer-267	171	27	inverse	inverse	NOUN
ajeer-267	171	28	mills	mill	NOUN
ajeer-267	171	29	ratio	ratio	NOUN
ajeer-267	171	30	from	from	ADP
ajeer-267	171	31	the	the	DET
ajeer-267	171	32	probit	probit	NOUN
ajeer-267	171	33	model	model	NOUN
ajeer-267	171	34	in	in	ADP
ajeer-267	171	35	the	the	DET
ajeer-267	171	36	first	first	ADJ
ajeer-267	171	37	stage	stage	NOUN
ajeer-267	171	38	.	.	PUNCT
ajeer-267	172	1	table-4	table-4	X
ajeer-267	172	2	.	.	PUNCT
ajeer-267	172	3	results	result	NOUN
ajeer-267	172	4	of	of	ADP
ajeer-267	172	5	analysis	analysis	NOUN
ajeer-267	172	6	of	of	ADP
ajeer-267	172	7	the	the	DET
ajeer-267	172	8	first	first	ADJ
ajeer-267	172	9	stage	stage	NOUN
ajeer-267	172	10	heckman	heckman	PROPN
ajeer-267	172	11	model	model	PROPN
ajeer-267	172	12	on	on	ADP
ajeer-267	172	13	the	the	DET
ajeer-267	172	14	ability	ability	NOUN
ajeer-267	172	15	of	of	ADP
ajeer-267	172	16	rural	rural	ADJ
ajeer-267	172	17	households	household	NOUN
ajeer-267	172	18	to	to	PART
ajeer-267	172	19	access	access	VERB
ajeer-267	172	20	bank	bank	NOUN
ajeer-267	172	21	credit	credit	NOUN
ajeer-267	172	22	.	.	PUNCT
ajeer-267	173	1	variables	variable	NOUN
ajeer-267	173	2	symbols	symbol	NOUN
ajeer-267	173	3	2014	2014	NUM
ajeer-267	173	4	2016	2016	NUM
ajeer-267	173	5	coefficient	coefficient	NOUN
ajeer-267	173	6	coefficient	coefficient	NOUN
ajeer-267	173	7	average	average	ADJ
ajeer-267	173	8	income	income	NOUN
ajeer-267	173	9	avgincome	avgincome	NOUN
ajeer-267	173	10	0.1924162	0.1924162	NUM
ajeer-267	173	11	*	*	PUNCT
ajeer-267	173	12	(	(	PUNCT
ajeer-267	173	13	0.1150844	0.1150844	NUM
ajeer-267	173	14	)	)	PUNCT
ajeer-267	173	15	-0.1830993	-0.1830993	NOUN
ajeer-267	173	16	*	*	PUNCT
ajeer-267	173	17	(	(	PUNCT
ajeer-267	173	18	0.1158562	0.1158562	NUM
ajeer-267	173	19	)	)	PUNCT
ajeer-267	173	20	householder	householder	NOUN
ajeer-267	173	21	’s	’s	PART
ajeer-267	173	22	age	age	NOUN
ajeer-267	173	23	age	age	NOUN
ajeer-267	173	24	0.0118241	0.0118241	NUM
ajeer-267	173	25	*	*	SYM
ajeer-267	173	26	*	*	PUNCT
ajeer-267	173	27	(	(	PUNCT
ajeer-267	173	28	0.0059941	0.0059941	NUM
ajeer-267	173	29	)	)	PUNCT
ajeer-267	173	30	0.0100962	0.0100962	NUM
ajeer-267	173	31	*	*	PUNCT
ajeer-267	173	32	(	(	PUNCT
ajeer-267	173	33	0.0062873	0.0062873	NUM
ajeer-267	173	34	)	)	PUNCT
ajeer-267	173	35	householder	householder	NOUN
ajeer-267	173	36	’s	’s	PART
ajeer-267	173	37	gender	gender	NOUN
ajeer-267	173	38	sex	sex	NOUN
ajeer-267	173	39	-0.2363856	-0.2363856	NOUN
ajeer-267	173	40	(	(	PUNCT
ajeer-267	173	41	0.2607638	0.2607638	NUM
ajeer-267	173	42	)	)	PUNCT
ajeer-267	173	43	0.056564	0.056564	NUM
ajeer-267	173	44	(	(	PUNCT
ajeer-267	173	45	0.2404464	0.2404464	NUM
ajeer-267	173	46	)	)	PUNCT
ajeer-267	173	47	ethnicity	ethnicity	NOUN
ajeer-267	173	48	eth	eth	X
ajeer-267	173	49	-0.4341966	-0.4341966	PROPN
ajeer-267	174	1	*	*	PUNCT
ajeer-267	175	1	*	*	PUNCT
ajeer-267	175	2	(	(	PUNCT
ajeer-267	175	3	0.175618	0.175618	NUM
ajeer-267	175	4	)	)	PUNCT
ajeer-267	175	5	-0.1341527	-0.1341527	NOUN
ajeer-267	175	6	(	(	PUNCT
ajeer-267	175	7	0.1721352	0.1721352	NUM
ajeer-267	175	8	)	)	PUNCT
ajeer-267	175	9	marital	marital	ADJ
ajeer-267	175	10	status	status	NOUN
ajeer-267	175	11	sta	sta	NOUN
ajeer-267	175	12	0.674162	0.674162	PROPN
ajeer-267	175	13	*	*	PUNCT
ajeer-267	175	14	*	*	PUNCT
ajeer-267	175	15	*	*	PUNCT
ajeer-267	175	16	(	(	PUNCT
ajeer-267	175	17	0.2317677	0.2317677	NUM
ajeer-267	175	18	)	)	PUNCT
ajeer-267	175	19	0.2899067	0.2899067	NUM
ajeer-267	175	20	(	(	PUNCT
ajeer-267	175	21	0.2271619	0.2271619	NUM
ajeer-267	175	22	)	)	PUNCT
ajeer-267	175	23	education	education	NOUN
ajeer-267	175	24	status	status	NOUN
ajeer-267	175	25	of	of	ADP
ajeer-267	175	26	head	head	NOUN
ajeer-267	175	27	of	of	ADP
ajeer-267	175	28	household	household	NOUN
ajeer-267	175	29	edu	edu	PROPN
ajeer-267	175	30	-0.0299758	-0.0299758	INTJ
ajeer-267	175	31	(	(	PUNCT
ajeer-267	175	32	0.0408896	0.0408896	NUM
ajeer-267	175	33	)	)	PUNCT
ajeer-267	175	34	-0.0072173	-0.0072173	NOUN
ajeer-267	175	35	(	(	PUNCT
ajeer-267	175	36	0.0451158	0.0451158	NUM
ajeer-267	175	37	)	)	PUNCT
ajeer-267	175	38	household	household	NOUN
ajeer-267	175	39	size	size	NOUN
ajeer-267	175	40	size	size	NOUN
ajeer-267	175	41	0.0489896	0.0489896	NUM
ajeer-267	175	42	(	(	PUNCT
ajeer-267	175	43	0.0484098	0.0484098	NUM
ajeer-267	175	44	)	)	PUNCT
ajeer-267	175	45	0.0612807	0.0612807	NUM
ajeer-267	175	46	(	(	PUNCT
ajeer-267	175	47	0.0490915	0.0490915	NUM
ajeer-267	175	48	)	)	PUNCT
ajeer-267	175	49	percentage	percentage	NOUN
ajeer-267	175	50	of	of	ADP
ajeer-267	175	51	dependents	dependent	NOUN
ajeer-267	175	52	dep	dep	PROPN
ajeer-267	175	53	-0.2069048	-0.2069048	PROPN
ajeer-267	175	54	(	(	PUNCT
ajeer-267	175	55	0.2553241	0.2553241	NUM
ajeer-267	175	56	)	)	PUNCT
ajeer-267	175	57	-0.3183561	-0.3183561	NOUN
ajeer-267	175	58	(	(	PUNCT
ajeer-267	175	59	0.2645414	0.2645414	NUM
ajeer-267	175	60	)	)	PUNCT
ajeer-267	175	61	individual	individual	ADJ
ajeer-267	175	62	financing	finance	VERB
ajeer-267	175	63	inf	inf	PROPN
ajeer-267	175	64	-0.1362114	-0.1362114	X
ajeer-267	175	65	(	(	PUNCT
ajeer-267	175	66	0.179475	0.179475	NUM
ajeer-267	175	67	)	)	PUNCT
ajeer-267	175	68	-0.0630081	-0.0630081	NOUN
ajeer-267	175	69	(	(	PUNCT
ajeer-267	175	70	0.1870923	0.1870923	NUM
ajeer-267	175	71	)	)	PUNCT
ajeer-267	175	72	saving	save	VERB
ajeer-267	175	73	sav	sav	PROPN
ajeer-267	175	74	0.1122132	0.1122132	NUM
ajeer-267	175	75	(	(	PUNCT
ajeer-267	175	76	0.5754466	0.5754466	NUM
ajeer-267	175	77	)	)	PUNCT
ajeer-267	175	78	0.0641152	0.0641152	NUM
ajeer-267	175	79	(	(	PUNCT
ajeer-267	175	80	0.4420232	0.4420232	NUM
ajeer-267	175	81	)	)	PUNCT
ajeer-267	175	82	unpaid	unpaid	NOUN
ajeer-267	175	83	amount	amount	NOUN
ajeer-267	175	84	unpay	unpay	NOUN
ajeer-267	175	85	-1.92e-06	-1.92e-06	NOUN
ajeer-267	175	86	*	*	PUNCT
ajeer-267	175	87	*	*	PUNCT
ajeer-267	175	88	*	*	PUNCT
ajeer-267	175	89	(	(	PUNCT
ajeer-267	175	90	6.83e-07	6.83e-07	NUM
ajeer-267	175	91	)	)	PUNCT
ajeer-267	175	92	-1.24e-06	-1.24e-06	NOUN
ajeer-267	175	93	*	*	PUNCT
ajeer-267	175	94	*	*	PUNCT
ajeer-267	175	95	(	(	PUNCT
ajeer-267	175	96	6.73e-07	6.73e-07	NUM
ajeer-267	175	97	)	)	PUNCT
ajeer-267	175	98	natural	natural	ADJ
ajeer-267	175	99	shock	shock	NOUN
ajeer-267	175	100	nasock	nasock	NOUN
ajeer-267	175	101	0.1168149	0.1168149	NUM
ajeer-267	175	102	(	(	PUNCT
ajeer-267	175	103	0.16935	0.16935	NUM
ajeer-267	175	104	)	)	PUNCT
ajeer-267	175	105	0.0348077	0.0348077	NUM
ajeer-267	175	106	(	(	PUNCT
ajeer-267	175	107	0.1721933	0.1721933	NUM
ajeer-267	175	108	)	)	PUNCT
ajeer-267	175	109	member	member	NOUN
ajeer-267	175	110	of	of	ADP
ajeer-267	175	111	farmers	farmers	PROPN
ajeer-267	175	112	association	association	PROPN
ajeer-267	175	113	agrc	agrc	VERB
ajeer-267	175	114	0.2877241	0.2877241	NUM
ajeer-267	175	115	*	*	PUNCT
ajeer-267	175	116	*	*	PUNCT
ajeer-267	175	117	(	(	PUNCT
ajeer-267	175	118	0.1342664	0.1342664	NUM
ajeer-267	175	119	)	)	PUNCT
ajeer-267	175	120	0.3890931	0.3890931	NUM
ajeer-267	175	121	*	*	PUNCT
ajeer-267	175	122	*	*	PUNCT
ajeer-267	175	123	*	*	PUNCT
ajeer-267	175	124	(	(	PUNCT
ajeer-267	175	125	0.1434584	0.1434584	NUM
ajeer-267	175	126	)	)	PUNCT
ajeer-267	175	127	member	member	NOUN
ajeer-267	175	128	of	of	ADP
ajeer-267	175	129	women	women	PROPN
ajeer-267	175	130	’s	’s	PART
ajeer-267	175	131	union	union	PROPN
ajeer-267	175	132	womec	womec	PROPN
ajeer-267	175	133	-0.1039865	-0.1039865	PROPN
ajeer-267	175	134	(	(	PUNCT
ajeer-267	175	135	0.2662187	0.2662187	NUM
ajeer-267	175	136	)	)	PUNCT
ajeer-267	175	137	0.1353885	0.1353885	NUM
ajeer-267	175	138	(	(	PUNCT
ajeer-267	175	139	0.2667266	0.2667266	NUM
ajeer-267	175	140	)	)	PUNCT
ajeer-267	175	141	party	party	NOUN
ajeer-267	175	142	member	member	NOUN
ajeer-267	175	143	party	party	PROPN
ajeer-267	175	144	0.2803205	0.2803205	NUM
ajeer-267	175	145	(	(	PUNCT
ajeer-267	175	146	0.3026963	0.3026963	NUM
ajeer-267	175	147	)	)	PUNCT
ajeer-267	175	148	0.610192	0.610192	NUM
ajeer-267	175	149	*	*	SYM
ajeer-267	175	150	(	(	PUNCT
ajeer-267	175	151	0.3350208	0.3350208	NUM
ajeer-267	175	152	)	)	PUNCT
ajeer-267	175	153	member	member	NOUN
ajeer-267	175	154	of	of	ADP
ajeer-267	175	155	veterans	veterans	PROPN
ajeer-267	175	156	association	association	PROPN
ajeer-267	175	157	veterc	veterc	PROPN
ajeer-267	175	158	-0.3000168	-0.3000168	NOUN
ajeer-267	175	159	(	(	PUNCT
ajeer-267	175	160	0.2240461	0.2240461	NUM
ajeer-267	175	161	)	)	PUNCT
ajeer-267	175	162	-0.1578418	-0.1578418	NOUN
ajeer-267	175	163	(	(	PUNCT
ajeer-267	175	164	0.2607071	0.2607071	NUM
ajeer-267	175	165	)	)	PUNCT
ajeer-267	175	166	constant	constant	ADJ
ajeer-267	175	167	_	_	NOUN
ajeer-267	175	168	cons	con	NOUN
ajeer-267	175	169	-1.133473	-1.133473	VERB
ajeer-267	175	170	(	(	PUNCT
ajeer-267	175	171	0.9349581	0.9349581	NUM
ajeer-267	175	172	)	)	PUNCT
ajeer-267	176	1	1.489394	1.489394	NUM
ajeer-267	176	2	(	(	PUNCT
ajeer-267	176	3	0.9891055	0.9891055	NUM
ajeer-267	176	4	)	)	PUNCT
ajeer-267	176	5	note	note	NOUN
ajeer-267	176	6	:	:	PUNCT
ajeer-267	176	7	(	(	PUNCT
ajeer-267	176	8	*	*	NOUN
ajeer-267	176	9	)	)	PUNCT
ajeer-267	176	10	,	,	PUNCT
ajeer-267	176	11	(	(	PUNCT
ajeer-267	176	12	*	*	PUNCT
ajeer-267	176	13	*	*	PUNCT
ajeer-267	176	14	)	)	PUNCT
ajeer-267	176	15	and	and	CCONJ
ajeer-267	176	16	(	(	PUNCT
ajeer-267	176	17	*	*	PUNCT
ajeer-267	176	18	*	*	PUNCT
ajeer-267	176	19	*	*	PUNCT
ajeer-267	176	20	)	)	PUNCT
ajeer-267	176	21	are	be	AUX
ajeer-267	176	22	statistically	statistically	ADV
ajeer-267	176	23	significant	significant	ADJ
ajeer-267	176	24	at	at	ADP
ajeer-267	176	25	10	10	NUM
ajeer-267	176	26	%	%	NOUN
ajeer-267	176	27	,	,	PUNCT
ajeer-267	176	28	5	5	NUM
ajeer-267	176	29	%	%	NOUN
ajeer-267	176	30	and	and	CCONJ
ajeer-267	176	31	1	1	NUM
ajeer-267	176	32	%	%	NOUN
ajeer-267	176	33	respectively	respectively	ADV
ajeer-267	176	34	.	.	PUNCT
ajeer-267	177	1	source	source	NOUN
ajeer-267	177	2	:	:	PUNCT
ajeer-267	177	3	calculated	calculate	VERB
ajeer-267	177	4	by	by	ADP
ajeer-267	177	5	the	the	DET
ajeer-267	177	6	author	author	NOUN
ajeer-267	177	7	based	base	VERB
ajeer-267	177	8	on	on	ADP
ajeer-267	177	9	vhlss	vhlss	ADJ
ajeer-267	177	10	2014	2014	NUM
ajeer-267	177	11	and	and	CCONJ
ajeer-267	177	12	vhlss	vhlss	ADJ
ajeer-267	177	13	2016	2016	NUM
ajeer-267	177	14	dataset	dataset	NOUN
ajeer-267	177	15	.	.	PUNCT
ajeer-267	178	1	among	among	ADP
ajeer-267	178	2	the	the	DET
ajeer-267	178	3	factors	factor	NOUN
ajeer-267	178	4	that	that	PRON
ajeer-267	178	5	can	can	AUX
ajeer-267	178	6	affect	affect	VERB
ajeer-267	178	7	the	the	DET
ajeer-267	178	8	credit	credit	NOUN
ajeer-267	178	9	accessibility	accessibility	NOUN
ajeer-267	178	10	considered	consider	VERB
ajeer-267	178	11	in	in	ADP
ajeer-267	178	12	the	the	DET
ajeer-267	178	13	first	first	ADJ
ajeer-267	178	14	stage	stage	NOUN
ajeer-267	178	15	of	of	ADP
ajeer-267	178	16	heckman	heckman	PROPN
ajeer-267	178	17	model	model	PROPN
ajeer-267	178	18	,	,	PUNCT
ajeer-267	178	19	there	there	PRON
ajeer-267	178	20	are	be	VERB
ajeer-267	178	21	six	six	NUM
ajeer-267	178	22	factors	factor	NOUN
ajeer-267	178	23	that	that	PRON
ajeer-267	178	24	have	have	VERB
ajeer-267	178	25	significant	significant	ADJ
ajeer-267	178	26	and	and	CCONJ
ajeer-267	178	27	statistically	statistically	ADV
ajeer-267	178	28	significant	significant	ADJ
ajeer-267	178	29	effects	effect	NOUN
ajeer-267	178	30	on	on	ADP
ajeer-267	178	31	the	the	DET
ajeer-267	178	32	bank	bank	NOUN
ajeer-267	178	33	credit	credit	NOUN
ajeer-267	178	34	capital	capital	NOUN
ajeer-267	178	35	accessibility	accessibility	NOUN
ajeer-267	178	36	of	of	ADP
ajeer-267	178	37	rural	rural	ADJ
ajeer-267	178	38	households	household	NOUN
ajeer-267	178	39	.	.	PUNCT
ajeer-267	179	1	they	they	PRON
ajeer-267	179	2	include	include	VERB
ajeer-267	179	3	average	average	ADJ
ajeer-267	179	4	income	income	NOUN
ajeer-267	179	5	of	of	ADP
ajeer-267	179	6	the	the	DET
ajeer-267	179	7	household	household	NOUN
ajeer-267	179	8	,	,	PUNCT
ajeer-267	179	9	age	age	NOUN
ajeer-267	179	10	of	of	ADP
ajeer-267	179	11	the	the	DET
ajeer-267	179	12	householder	householder	ADJ
ajeer-267	179	13	,	,	PUNCT
ajeer-267	179	14	ethnic	ethnic	ADJ
ajeer-267	179	15	group	group	NOUN
ajeer-267	179	16	,	,	PUNCT
ajeer-267	179	17	marital	marital	ADJ
ajeer-267	179	18	status	status	NOUN
ajeer-267	179	19	,	,	PUNCT
ajeer-267	179	20	previous	previous	ADJ
ajeer-267	179	21	borrowing	borrowing	NOUN
ajeer-267	179	22	duration	duration	NOUN
ajeer-267	179	23	,	,	PUNCT
ajeer-267	179	24	member	member	NOUN
ajeer-267	179	25	of	of	ADP
ajeer-267	179	26	farmers	farmers	PROPN
ajeer-267	179	27	associations	associations	PROPN
ajeer-267	179	28	and	and	CCONJ
ajeer-267	179	29	party	party	NOUN
ajeer-267	179	30	member	member	NOUN
ajeer-267	179	31	(	(	PUNCT
ajeer-267	179	32	table	table	NOUN
ajeer-267	179	33	4	4	NUM
ajeer-267	179	34	)	)	PUNCT
ajeer-267	179	35	.	.	PUNCT
ajeer-267	180	1	firstly	firstly	ADV
ajeer-267	180	2	,	,	PUNCT
ajeer-267	180	3	the	the	DET
ajeer-267	180	4	average	average	ADJ
ajeer-267	180	5	income	income	NOUN
ajeer-267	180	6	of	of	ADP
ajeer-267	180	7	the	the	DET
ajeer-267	180	8	household	household	NOUN
ajeer-267	180	9	has	have	VERB
ajeer-267	180	10	a	a	DET
ajeer-267	180	11	remarkably	remarkably	ADV
ajeer-267	180	12	positive	positive	ADJ
ajeer-267	180	13	and	and	CCONJ
ajeer-267	180	14	statistically	statistically	ADV
ajeer-267	180	15	significant	significant	ADJ
ajeer-267	180	16	effect	effect	NOUN
ajeer-267	180	17	on	on	ADP
ajeer-267	180	18	the	the	DET
ajeer-267	180	19	bank	bank	NOUN
ajeer-267	180	20	credit	credit	NOUN
ajeer-267	180	21	capital	capital	NOUN
ajeer-267	180	22	accessibility	accessibility	NOUN
ajeer-267	180	23	of	of	ADP
ajeer-267	180	24	households	household	NOUN
ajeer-267	180	25	at	at	ADP
ajeer-267	180	26	10	10	NUM
ajeer-267	180	27	%	%	NOUN
ajeer-267	180	28	.	.	PUNCT
ajeer-267	181	1	households	household	NOUN
ajeer-267	181	2	with	with	ADP
ajeer-267	181	3	a	a	DET
ajeer-267	181	4	higher	high	ADJ
ajeer-267	181	5	average	average	ADJ
ajeer-267	181	6	annual	annual	ADJ
ajeer-267	181	7	income	income	NOUN
ajeer-267	181	8	have	have	VERB
ajeer-267	181	9	higher	high	ADJ
ajeer-267	181	10	accessibility	accessibility	NOUN
ajeer-267	181	11	to	to	ADP
ajeer-267	181	12	bank	bank	NOUN
ajeer-267	181	13	credit	credit	NOUN
ajeer-267	181	14	capital	capital	NOUN
ajeer-267	181	15	than	than	ADP
ajeer-267	181	16	to	to	ADP
ajeer-267	181	17	informal	informal	ADJ
ajeer-267	181	18	credit	credit	NOUN
ajeer-267	181	19	capital	capital	NOUN
ajeer-267	181	20	.	.	PUNCT
ajeer-267	182	1	this	this	DET
ajeer-267	182	2	conclusion	conclusion	NOUN
ajeer-267	182	3	is	be	AUX
ajeer-267	182	4	similar	similar	ADJ
ajeer-267	182	5	to	to	ADP
ajeer-267	182	6	tran	tran	PROPN
ajeer-267	182	7	and	and	CCONJ
ajeer-267	182	8	huynh	huynh	PROPN
ajeer-267	182	9	(	(	PUNCT
ajeer-267	182	10	2013	2013	NUM
ajeer-267	182	11	)	)	PUNCT
ajeer-267	182	12	,	,	PUNCT
ajeer-267	182	13	bui	bui	NOUN
ajeer-267	182	14	and	and	CCONJ
ajeer-267	182	15	truong	truong	PROPN
ajeer-267	182	16	(	(	PUNCT
ajeer-267	182	17	2014	2014	NUM
ajeer-267	182	18	)	)	PUNCT
ajeer-267	182	19	,	,	PUNCT
ajeer-267	182	20	nguyen	nguyen	NOUN
ajeer-267	182	21	and	and	CCONJ
ajeer-267	182	22	pham	pham	PROPN
ajeer-267	182	23	(	(	PUNCT
ajeer-267	182	24	2010	2010	NUM
ajeer-267	182	25	)	)	PUNCT
ajeer-267	182	26	,	,	PUNCT
ajeer-267	182	27	vuong	vuong	PROPN
ajeer-267	182	28	and	and	CCONJ
ajeer-267	182	29	dang	dang	INTJ
ajeer-267	182	30	(	(	PUNCT
ajeer-267	182	31	2015	2015	NUM
ajeer-267	182	32	)	)	PUNCT
ajeer-267	182	33	,	,	PUNCT
ajeer-267	182	34	mwangi	mwangi	PROPN
ajeer-267	182	35	and	and	CCONJ
ajeer-267	182	36	sichei	sichei	PROPN
ajeer-267	182	37	(	(	PUNCT
ajeer-267	182	38	2011	2011	NUM
ajeer-267	182	39	)	)	PUNCT
ajeer-267	182	40	but	but	CCONJ
ajeer-267	182	41	contrary	contrary	ADJ
ajeer-267	182	42	to	to	PART
ajeer-267	182	43	kiplimo	kiplimo	VERB
ajeer-267	182	44	et	et	PROPN
ajeer-267	182	45	al	al	PROPN
ajeer-267	182	46	.	.	PROPN
ajeer-267	183	1	(	(	PUNCT
ajeer-267	183	2	2015	2015	NUM
ajeer-267	183	3	)	)	PUNCT
ajeer-267	183	4	.	.	PUNCT
ajeer-267	184	1	secondly	secondly	ADV
ajeer-267	184	2	,	,	PUNCT
ajeer-267	184	3	the	the	DET
ajeer-267	184	4	estimation	estimation	NOUN
ajeer-267	184	5	results	result	NOUN
ajeer-267	184	6	show	show	VERB
ajeer-267	184	7	that	that	SCONJ
ajeer-267	184	8	age	age	NOUN
ajeer-267	184	9	of	of	ADP
ajeer-267	184	10	the	the	DET
ajeer-267	184	11	householder	householder	NOUN
ajeer-267	184	12	has	have	VERB
ajeer-267	184	13	a	a	DET
ajeer-267	184	14	positive	positive	ADJ
ajeer-267	184	15	impact	impact	NOUN
ajeer-267	184	16	on	on	ADP
ajeer-267	184	17	the	the	DET
ajeer-267	184	18	bank	bank	NOUN
ajeer-267	184	19	credit	credit	NOUN
ajeer-267	184	20	capital	capital	NOUN
ajeer-267	184	21	accessibility	accessibility	NOUN
ajeer-267	184	22	of	of	ADP
ajeer-267	184	23	households	household	NOUN
ajeer-267	184	24	at	at	ADP
ajeer-267	184	25	significant	significant	ADJ
ajeer-267	184	26	rates	rate	NOUN
ajeer-267	184	27	of	of	ADP
ajeer-267	184	28	5	5	NUM
ajeer-267	184	29	%	%	NOUN
ajeer-267	184	30	(	(	PUNCT
ajeer-267	184	31	2014	2014	NUM
ajeer-267	184	32	)	)	PUNCT
ajeer-267	184	33	and	and	CCONJ
ajeer-267	184	34	10	10	NUM
ajeer-267	184	35	%	%	NOUN
ajeer-267	184	36	(	(	PUNCT
ajeer-267	184	37	2016	2016	NUM
ajeer-267	184	38	)	)	PUNCT
ajeer-267	184	39	.	.	PUNCT
ajeer-267	185	1	this	this	PRON
ajeer-267	185	2	implies	imply	VERB
ajeer-267	185	3	that	that	SCONJ
ajeer-267	185	4	the	the	PRON
ajeer-267	185	5	older	old	ADJ
ajeer-267	185	6	the	the	DET
ajeer-267	185	7	householder	householder	NOUN
ajeer-267	185	8	is	be	AUX
ajeer-267	185	9	,	,	PUNCT
ajeer-267	185	10	the	the	PRON
ajeer-267	185	11	higher	high	ADJ
ajeer-267	185	12	the	the	DET
ajeer-267	185	13	probability	probability	NOUN
ajeer-267	185	14	of	of	ADP
ajeer-267	185	15	accessing	access	VERB
ajeer-267	185	16	bank	bank	NOUN
ajeer-267	185	17	credit	credit	NOUN
ajeer-267	185	18	capital	capital	NOUN
ajeer-267	185	19	is	be	AUX
ajeer-267	185	20	.	.	PUNCT
ajeer-267	186	1	this	this	DET
ajeer-267	186	2	finding	finding	NOUN
ajeer-267	186	3	is	be	AUX
ajeer-267	186	4	supported	support	VERB
ajeer-267	186	5	by	by	ADP
ajeer-267	186	6	nguyen	nguyen	NOUN
ajeer-267	186	7	and	and	CCONJ
ajeer-267	186	8	pham	pham	PROPN
ajeer-267	186	9	(	(	PUNCT
ajeer-267	186	10	2010	2010	NUM
ajeer-267	186	11	)	)	PUNCT
ajeer-267	186	12	,	,	PUNCT
ajeer-267	186	13	vuong	vuong	PROPN
ajeer-267	186	14	and	and	CCONJ
ajeer-267	186	15	dang	dang	INTJ
ajeer-267	186	16	(	(	PUNCT
ajeer-267	186	17	2015	2015	NUM
ajeer-267	186	18	)	)	PUNCT
ajeer-267	186	19	and	and	CCONJ
ajeer-267	186	20	mwangi	mwangi	PROPN
ajeer-267	186	21	and	and	CCONJ
ajeer-267	186	22	sichei	sichei	PROPN
ajeer-267	186	23	(	(	PUNCT
ajeer-267	186	24	2011	2011	NUM
ajeer-267	186	25	)	)	PUNCT
ajeer-267	186	26	.	.	PUNCT
ajeer-267	187	1	thirdly	thirdly	ADV
ajeer-267	187	2	,	,	PUNCT
ajeer-267	187	3	the	the	DET
ajeer-267	187	4	bank	bank	NOUN
ajeer-267	187	5	credit	credit	NOUN
ajeer-267	187	6	accessibility	accessibility	NOUN
ajeer-267	187	7	is	be	AUX
ajeer-267	187	8	also	also	ADV
ajeer-267	187	9	increased	increase	VERB
ajeer-267	187	10	for	for	ADP
ajeer-267	187	11	households	household	NOUN
ajeer-267	187	12	classified	classify	VERB
ajeer-267	187	13	in	in	ADP
ajeer-267	187	14	kinh	kinh	ADJ
ajeer-267	187	15	ethnic	ethnic	ADJ
ajeer-267	187	16	group	group	NOUN
ajeer-267	187	17	.	.	PUNCT
ajeer-267	188	1	data	datum	NOUN
ajeer-267	188	2	show	show	VERB
ajeer-267	188	3	that	that	SCONJ
ajeer-267	188	4	the	the	DET
ajeer-267	188	5	ethnic	ethnic	ADJ
ajeer-267	188	6	group	group	NOUN
ajeer-267	188	7	factor	factor	NOUN
ajeer-267	188	8	has	have	VERB
ajeer-267	188	9	a	a	DET
ajeer-267	188	10	remarkably	remarkably	ADV
ajeer-267	188	11	positive	positive	ADJ
ajeer-267	188	12	and	and	CCONJ
ajeer-267	188	13	statistically	statistically	ADV
ajeer-267	188	14	significant	significant	ADJ
ajeer-267	188	15	impact	impact	NOUN
ajeer-267	188	16	at	at	ADP
ajeer-267	188	17	5	5	NUM
ajeer-267	188	18	%	%	NOUN
ajeer-267	188	19	in	in	ADP
ajeer-267	188	20	2014	2014	NUM
ajeer-267	188	21	,	,	PUNCT
ajeer-267	188	22	which	which	PRON
ajeer-267	188	23	is	be	AUX
ajeer-267	188	24	,	,	PUNCT
ajeer-267	188	25	however	however	ADV
ajeer-267	188	26	,	,	PUNCT
ajeer-267	188	27	not	not	PART
ajeer-267	188	28	statistically	statistically	ADV
ajeer-267	188	29	significant	significant	ADJ
ajeer-267	188	30	in	in	ADP
ajeer-267	188	31	2016	2016	NUM
ajeer-267	188	32	.	.	PUNCT
ajeer-267	189	1	this	this	PRON
ajeer-267	189	2	is	be	AUX
ajeer-267	189	3	perfectly	perfectly	ADV
ajeer-267	189	4	reasonable	reasonable	ADJ
ajeer-267	189	5	since	since	SCONJ
ajeer-267	189	6	kinh	kinh	VERB
ajeer-267	189	7	people	people	NOUN
ajeer-267	189	8	households	household	NOUN
ajeer-267	189	9	often	often	ADV
ajeer-267	189	10	live	live	VERB
ajeer-267	189	11	in	in	ADP
ajeer-267	189	12	the	the	DET
ajeer-267	189	13	delta	delta	NOUN
ajeer-267	189	14	so	so	SCONJ
ajeer-267	189	15	it	it	PRON
ajeer-267	189	16	is	be	AUX
ajeer-267	189	17	easy	easy	ADJ
ajeer-267	189	18	for	for	SCONJ
ajeer-267	189	19	them	they	PRON
ajeer-267	189	20	to	to	PART
ajeer-267	189	21	access	access	VERB
ajeer-267	189	22	bank	bank	NOUN
ajeer-267	189	23	credit	credit	NOUN
ajeer-267	189	24	institutions	institution	NOUN
ajeer-267	189	25	.	.	PUNCT
ajeer-267	190	1	meanwhile	meanwhile	ADV
ajeer-267	190	2	,	,	PUNCT
ajeer-267	190	3	households	household	NOUN
ajeer-267	190	4	of	of	ADP
ajeer-267	190	5	other	other	ADJ
ajeer-267	190	6	ethnic	ethnic	ADJ
ajeer-267	190	7	groups	group	NOUN
ajeer-267	190	8	often	often	ADV
ajeer-267	190	9	live	live	VERB
ajeer-267	190	10	in	in	ADP
ajeer-267	190	11	remote	remote	ADJ
ajeer-267	190	12	areas	area	NOUN
ajeer-267	190	13	with	with	ADP
ajeer-267	190	14	difficult	difficult	ADJ
ajeer-267	190	15	transportation	transportation	NOUN
ajeer-267	190	16	,	,	PUNCT
ajeer-267	190	17	so	so	SCONJ
ajeer-267	190	18	it	it	PRON
ajeer-267	190	19	is	be	AUX
ajeer-267	190	20	difficult	difficult	ADJ
ajeer-267	190	21	for	for	SCONJ
ajeer-267	190	22	them	they	PRON
ajeer-267	190	23	to	to	PART
ajeer-267	190	24	access	access	VERB
ajeer-267	190	25	bank	bank	NOUN
ajeer-267	190	26	credit	credit	NOUN
ajeer-267	190	27	institutions	institution	NOUN
ajeer-267	190	28	.	.	PUNCT
ajeer-267	191	1	moreover	moreover	ADV
ajeer-267	191	2	,	,	PUNCT
ajeer-267	191	3	ethnic	ethnic	ADJ
ajeer-267	191	4	minority	minority	NOUN
ajeer-267	191	5	households	household	NOUN
ajeer-267	191	6	face	face	VERB
ajeer-267	191	7	many	many	ADJ
ajeer-267	191	8	difficulties	difficulty	NOUN
ajeer-267	191	9	in	in	ADP
ajeer-267	191	10	production	production	NOUN
ajeer-267	191	11	,	,	PUNCT
ajeer-267	191	12	have	have	VERB
ajeer-267	191	13	low	low	ADJ
ajeer-267	191	14	skills	skill	NOUN
ajeer-267	191	15	and	and	CCONJ
ajeer-267	191	16	educational	educational	ADJ
ajeer-267	191	17	levels	level	NOUN
ajeer-267	191	18	,	,	PUNCT
ajeer-267	191	19	and	and	CCONJ
ajeer-267	191	20	are	be	AUX
ajeer-267	191	21	multi	multi	ADJ
ajeer-267	191	22	-	-	ADJ
ajeer-267	191	23	child	child	ADJ
ajeer-267	191	24	and	and	CCONJ
ajeer-267	191	25	backward	backward	ADJ
ajeer-267	191	26	families	family	NOUN
ajeer-267	191	27	,	,	PUNCT
ajeer-267	191	28	which	which	PRON
ajeer-267	191	29	hence	hence	ADV
ajeer-267	191	30	create	create	VERB
ajeer-267	191	31	many	many	ADJ
ajeer-267	191	32	barriers	barrier	NOUN
ajeer-267	191	33	to	to	PART
ajeer-267	191	34	access	access	VERB
ajeer-267	191	35	to	to	ADP
ajeer-267	191	36	the	the	DET
ajeer-267	191	37	formal	formal	ADJ
ajeer-267	191	38	capital	capital	NOUN
ajeer-267	191	39	.	.	PUNCT
ajeer-267	192	1	this	this	DET
ajeer-267	192	2	conclusion	conclusion	NOUN
ajeer-267	192	3	contrasts	contrast	VERB
ajeer-267	192	4	with	with	ADP
ajeer-267	192	5	development	development	NOUN
ajeer-267	192	6	economics	economics	PROPN
ajeer-267	192	7	research	research	NOUN
ajeer-267	192	8	group	group	NOUN
ajeer-267	192	9	(	(	PUNCT
ajeer-267	192	10	derg	derg	PROPN
ajeer-267	192	11	)	)	PUNCT
ajeer-267	192	12	.	.	PUNCT
ajeer-267	193	1	fourthly	fourthly	ADV
ajeer-267	193	2	,	,	PUNCT
ajeer-267	193	3	the	the	DET
ajeer-267	193	4	research	research	NOUN
ajeer-267	193	5	results	result	NOUN
ajeer-267	193	6	indicate	indicate	VERB
ajeer-267	193	7	that	that	SCONJ
ajeer-267	193	8	the	the	DET
ajeer-267	193	9	marital	marital	ADJ
ajeer-267	193	10	status	status	NOUN
ajeer-267	193	11	of	of	ADP
ajeer-267	193	12	the	the	DET
ajeer-267	193	13	householder	householder	NOUN
ajeer-267	193	14	is	be	AUX
ajeer-267	193	15	an	an	DET
ajeer-267	193	16	important	important	ADJ
ajeer-267	193	17	factor	factor	NOUN
ajeer-267	193	18	asian	asian	ADJ
ajeer-267	193	19	journal	journal	NOUN
ajeer-267	193	20	of	of	ADP
ajeer-267	193	21	economics	economic	NOUN
ajeer-267	193	22	and	and	CCONJ
ajeer-267	193	23	empirical	empirical	ADJ
ajeer-267	193	24	research	research	NOUN
ajeer-267	193	25	,	,	PUNCT
ajeer-267	193	26	2019	2019	NUM
ajeer-267	193	27	,	,	PUNCT
ajeer-267	193	28	6(1	6(1	NUM
ajeer-267	193	29	):	):	PUNCT
ajeer-267	193	30	59	59	NUM
ajeer-267	193	31	-	-	SYM
ajeer-267	193	32	69	69	NUM
ajeer-267	193	33	67	67	NUM
ajeer-267	193	34	©	©	PROPN
ajeer-267	193	35	2019	2019	NUM
ajeer-267	193	36	by	by	ADP
ajeer-267	193	37	the	the	DET
ajeer-267	193	38	authors	author	NOUN
ajeer-267	193	39	;	;	PUNCT
ajeer-267	193	40	licensee	licensee	PROPN
ajeer-267	193	41	asian	asian	ADJ
ajeer-267	193	42	online	online	PROPN
ajeer-267	193	43	journal	journal	PROPN
ajeer-267	193	44	publishing	publishing	NOUN
ajeer-267	193	45	group	group	NOUN
ajeer-267	193	46	significantly	significantly	ADV
ajeer-267	193	47	impacting	impact	VERB
ajeer-267	193	48	on	on	ADP
ajeer-267	193	49	the	the	DET
ajeer-267	193	50	bank	bank	NOUN
ajeer-267	193	51	credit	credit	NOUN
ajeer-267	193	52	accessibility	accessibility	NOUN
ajeer-267	193	53	of	of	ADP
ajeer-267	193	54	rural	rural	ADJ
ajeer-267	193	55	households	household	NOUN
ajeer-267	193	56	at	at	ADP
ajeer-267	193	57	a	a	DET
ajeer-267	193	58	statistically	statistically	ADV
ajeer-267	193	59	significant	significant	ADJ
ajeer-267	193	60	rate	rate	NOUN
ajeer-267	193	61	of	of	ADP
ajeer-267	193	62	1	1	NUM
ajeer-267	193	63	%	%	NOUN
ajeer-267	193	64	in	in	ADP
ajeer-267	193	65	2014	2014	NUM
ajeer-267	193	66	which	which	PRON
ajeer-267	193	67	is	be	AUX
ajeer-267	193	68	,	,	PUNCT
ajeer-267	193	69	however	however	ADV
ajeer-267	193	70	,	,	PUNCT
ajeer-267	193	71	not	not	PART
ajeer-267	193	72	significant	significant	ADJ
ajeer-267	193	73	in	in	ADP
ajeer-267	193	74	2016	2016	NUM
ajeer-267	193	75	.	.	PUNCT
ajeer-267	194	1	this	this	PRON
ajeer-267	194	2	means	mean	VERB
ajeer-267	194	3	that	that	SCONJ
ajeer-267	194	4	a	a	DET
ajeer-267	194	5	householder	householder	NOUN
ajeer-267	194	6	who	who	PRON
ajeer-267	194	7	is	be	AUX
ajeer-267	194	8	currently	currently	ADV
ajeer-267	194	9	married	married	ADJ
ajeer-267	194	10	has	have	VERB
ajeer-267	194	11	a	a	DET
ajeer-267	194	12	higher	high	ADJ
ajeer-267	194	13	accessibility	accessibility	NOUN
ajeer-267	194	14	to	to	PART
ajeer-267	194	15	bank	bank	VERB
ajeer-267	194	16	credit	credit	NOUN
ajeer-267	194	17	than	than	ADP
ajeer-267	194	18	to	to	ADP
ajeer-267	194	19	the	the	DET
ajeer-267	194	20	informal	informal	ADJ
ajeer-267	194	21	credit	credit	NOUN
ajeer-267	194	22	.	.	PUNCT
ajeer-267	195	1	this	this	DET
ajeer-267	195	2	finding	finding	NOUN
ajeer-267	195	3	is	be	AUX
ajeer-267	195	4	not	not	PART
ajeer-267	195	5	supported	support	VERB
ajeer-267	195	6	by	by	ADP
ajeer-267	195	7	the	the	DET
ajeer-267	195	8	development	development	NOUN
ajeer-267	195	9	economics	economics	PROPN
ajeer-267	195	10	research	research	PROPN
ajeer-267	195	11	group	group	NOUN
ajeer-267	195	12	(	(	PUNCT
ajeer-267	195	13	derg	derg	PROPN
ajeer-267	195	14	)	)	PUNCT
ajeer-267	195	15	,	,	PUNCT
ajeer-267	195	16	duy	duy	PROPN
ajeer-267	195	17	et	et	PROPN
ajeer-267	195	18	al	al	PROPN
ajeer-267	195	19	.	.	PROPN
ajeer-267	196	1	(	(	PUNCT
ajeer-267	196	2	2012	2012	NUM
ajeer-267	196	3	)	)	PUNCT
ajeer-267	196	4	as	as	ADV
ajeer-267	196	5	well	well	ADV
ajeer-267	196	6	as	as	ADP
ajeer-267	196	7	ololade	ololade	NOUN
ajeer-267	196	8	and	and	CCONJ
ajeer-267	196	9	olagunju	olagunju	NOUN
ajeer-267	196	10	(	(	PUNCT
ajeer-267	196	11	2013	2013	NUM
ajeer-267	196	12	)	)	PUNCT
ajeer-267	196	13	.	.	PUNCT
ajeer-267	197	1	fifthly	fifthly	ADV
ajeer-267	197	2	,	,	PUNCT
ajeer-267	197	3	the	the	DET
ajeer-267	197	4	duration	duration	NOUN
ajeer-267	197	5	of	of	ADP
ajeer-267	197	6	unpaid	unpaid	ADJ
ajeer-267	197	7	loans	loan	NOUN
ajeer-267	197	8	also	also	ADV
ajeer-267	197	9	reduces	reduce	VERB
ajeer-267	197	10	the	the	DET
ajeer-267	197	11	bank	bank	NOUN
ajeer-267	197	12	credit	credit	NOUN
ajeer-267	197	13	accessibility	accessibility	NOUN
ajeer-267	197	14	of	of	ADP
ajeer-267	197	15	rural	rural	ADJ
ajeer-267	197	16	households	household	NOUN
ajeer-267	197	17	in	in	ADP
ajeer-267	197	18	vietnam	vietnam	PROPN
ajeer-267	197	19	.	.	PUNCT
ajeer-267	198	1	this	this	DET
ajeer-267	198	2	result	result	NOUN
ajeer-267	198	3	has	have	VERB
ajeer-267	198	4	statistical	statistical	ADJ
ajeer-267	198	5	significance	significance	NOUN
ajeer-267	198	6	rates	rate	NOUN
ajeer-267	198	7	of	of	ADP
ajeer-267	198	8	1	1	NUM
ajeer-267	198	9	%	%	NOUN
ajeer-267	198	10	(	(	PUNCT
ajeer-267	198	11	2014	2014	NUM
ajeer-267	198	12	)	)	PUNCT
ajeer-267	198	13	and	and	CCONJ
ajeer-267	198	14	5	5	NUM
ajeer-267	198	15	%	%	NOUN
ajeer-267	198	16	(	(	PUNCT
ajeer-267	198	17	2016	2016	NUM
ajeer-267	198	18	)	)	PUNCT
ajeer-267	198	19	.	.	PUNCT
ajeer-267	199	1	this	this	DET
ajeer-267	199	2	finding	finding	NOUN
ajeer-267	199	3	implies	imply	VERB
ajeer-267	199	4	that	that	SCONJ
ajeer-267	199	5	the	the	PRON
ajeer-267	199	6	longer	long	ADJ
ajeer-267	199	7	the	the	DET
ajeer-267	199	8	debts	debt	NOUN
ajeer-267	199	9	owed	owe	VERB
ajeer-267	199	10	to	to	ADP
ajeer-267	199	11	households	household	NOUN
ajeer-267	199	12	are	be	AUX
ajeer-267	199	13	,	,	PUNCT
ajeer-267	199	14	the	the	DET
ajeer-267	199	15	more	more	ADV
ajeer-267	199	16	decreasing	decrease	VERB
ajeer-267	199	17	their	their	PRON
ajeer-267	199	18	possibility	possibility	NOUN
ajeer-267	199	19	to	to	PART
ajeer-267	199	20	receive	receive	VERB
ajeer-267	199	21	the	the	DET
ajeer-267	199	22	formal	formal	ADJ
ajeer-267	199	23	loan	loan	NOUN
ajeer-267	199	24	capital	capital	NOUN
ajeer-267	199	25	is	be	AUX
ajeer-267	199	26	.	.	PUNCT
ajeer-267	200	1	this	this	PRON
ajeer-267	200	2	is	be	AUX
ajeer-267	200	3	an	an	DET
ajeer-267	200	4	important	important	ADJ
ajeer-267	200	5	finding	finding	NOUN
ajeer-267	200	6	that	that	SCONJ
ajeer-267	200	7	previous	previous	ADJ
ajeer-267	200	8	researches	research	NOUN
ajeer-267	200	9	have	have	AUX
ajeer-267	200	10	not	not	PART
ajeer-267	200	11	yet	yet	ADV
ajeer-267	200	12	shown	show	VERB
ajeer-267	200	13	.	.	PUNCT
ajeer-267	201	1	finally	finally	ADV
ajeer-267	201	2	,	,	PUNCT
ajeer-267	201	3	that	that	SCONJ
ajeer-267	201	4	households	household	NOUN
ajeer-267	201	5	are	be	AUX
ajeer-267	201	6	currently	currently	ADV
ajeer-267	201	7	members	member	NOUN
ajeer-267	201	8	of	of	ADP
ajeer-267	201	9	farmers	farmer	NOUN
ajeer-267	201	10	associations	association	NOUN
ajeer-267	201	11	has	have	VERB
ajeer-267	201	12	an	an	DET
ajeer-267	201	13	important	important	ADJ
ajeer-267	201	14	meaning	meaning	NOUN
ajeer-267	201	15	in	in	ADP
ajeer-267	201	16	the	the	DET
ajeer-267	201	17	decisions	decision	NOUN
ajeer-267	201	18	to	to	PART
ajeer-267	201	19	issue	issue	VERB
ajeer-267	201	20	loans	loan	NOUN
ajeer-267	201	21	from	from	ADP
ajeer-267	201	22	bank	bank	NOUN
ajeer-267	201	23	credit	credit	NOUN
ajeer-267	201	24	institutions	institution	NOUN
ajeer-267	201	25	,	,	PUNCT
ajeer-267	201	26	which	which	PRON
ajeer-267	201	27	has	have	VERB
ajeer-267	201	28	a	a	DET
ajeer-267	201	29	statistical	statistical	ADJ
ajeer-267	201	30	significance	significance	NOUN
ajeer-267	201	31	rates	rate	NOUN
ajeer-267	201	32	of	of	ADP
ajeer-267	201	33	5	5	NUM
ajeer-267	201	34	%	%	NOUN
ajeer-267	201	35	and	and	CCONJ
ajeer-267	201	36	10	10	NUM
ajeer-267	201	37	%	%	NOUN
ajeer-267	201	38	in	in	ADP
ajeer-267	201	39	2014	2014	NUM
ajeer-267	201	40	and	and	CCONJ
ajeer-267	201	41	2016	2016	NUM
ajeer-267	201	42	,	,	PUNCT
ajeer-267	201	43	respectively	respectively	ADV
ajeer-267	201	44	.	.	PUNCT
ajeer-267	202	1	for	for	ADP
ajeer-267	202	2	householders	householder	NOUN
ajeer-267	202	3	who	who	PRON
ajeer-267	202	4	are	be	AUX
ajeer-267	202	5	party	party	NOUN
ajeer-267	202	6	members	member	NOUN
ajeer-267	202	7	,	,	PUNCT
ajeer-267	202	8	their	their	PRON
ajeer-267	202	9	reputation	reputation	NOUN
ajeer-267	202	10	also	also	ADV
ajeer-267	202	11	has	have	VERB
ajeer-267	202	12	a	a	DET
ajeer-267	202	13	positive	positive	ADJ
ajeer-267	202	14	effect	effect	NOUN
ajeer-267	202	15	on	on	ADP
ajeer-267	202	16	their	their	PRON
ajeer-267	202	17	bank	bank	NOUN
ajeer-267	202	18	credit	credit	NOUN
ajeer-267	202	19	accessibility	accessibility	NOUN
ajeer-267	202	20	in	in	ADP
ajeer-267	202	21	2016	2016	NUM
ajeer-267	202	22	.	.	PUNCT
ajeer-267	203	1	however	however	ADV
ajeer-267	203	2	,	,	PUNCT
ajeer-267	203	3	if	if	SCONJ
ajeer-267	203	4	the	the	DET
ajeer-267	203	5	households	household	NOUN
ajeer-267	203	6	are	be	AUX
ajeer-267	203	7	members	member	NOUN
ajeer-267	203	8	of	of	ADP
ajeer-267	203	9	women	woman	NOUN
ajeer-267	203	10	's	's	PART
ajeer-267	203	11	unions	union	NOUN
ajeer-267	203	12	or	or	CCONJ
ajeer-267	203	13	veterans	veteran	NOUN
ajeer-267	203	14	associations	association	NOUN
ajeer-267	203	15	,	,	PUNCT
ajeer-267	203	16	there	there	PRON
ajeer-267	203	17	is	be	VERB
ajeer-267	203	18	no	no	DET
ajeer-267	203	19	statistical	statistical	ADJ
ajeer-267	203	20	significance	significance	NOUN
ajeer-267	203	21	regarding	regard	VERB
ajeer-267	203	22	the	the	DET
ajeer-267	203	23	impact	impact	NOUN
ajeer-267	203	24	on	on	ADP
ajeer-267	203	25	their	their	PRON
ajeer-267	203	26	bank	bank	NOUN
ajeer-267	203	27	credit	credit	NOUN
ajeer-267	203	28	accessibility	accessibility	NOUN
ajeer-267	203	29	.	.	PUNCT
ajeer-267	204	1	this	this	DET
ajeer-267	204	2	result	result	NOUN
ajeer-267	204	3	is	be	AUX
ajeer-267	204	4	consented	consent	VERB
ajeer-267	204	5	by	by	ADP
ajeer-267	204	6	assogba	assogba	PROPN
ajeer-267	204	7	et	et	PROPN
ajeer-267	204	8	al	al	PROPN
ajeer-267	204	9	.	.	PROPN
ajeer-267	205	1	(	(	PUNCT
ajeer-267	205	2	2017	2017	NUM
ajeer-267	205	3	)	)	PUNCT
ajeer-267	205	4	,	,	PUNCT
ajeer-267	205	5	tran	tran	PROPN
ajeer-267	205	6	and	and	CCONJ
ajeer-267	205	7	huynh	huynh	PROPN
ajeer-267	205	8	(	(	PUNCT
ajeer-267	205	9	2013	2013	NUM
ajeer-267	205	10	)	)	PUNCT
ajeer-267	205	11	and	and	CCONJ
ajeer-267	205	12	the	the	DET
ajeer-267	205	13	development	development	NOUN
ajeer-267	205	14	economics	economics	PROPN
ajeer-267	205	15	research	research	PROPN
ajeer-267	205	16	group	group	NOUN
ajeer-267	205	17	(	(	PUNCT
ajeer-267	205	18	derg	derg	PROPN
ajeer-267	205	19	)	)	PUNCT
ajeer-267	205	20	when	when	SCONJ
ajeer-267	205	21	thinking	think	VERB
ajeer-267	205	22	that	that	SCONJ
ajeer-267	205	23	organizations	organization	NOUN
ajeer-267	205	24	and	and	CCONJ
ajeer-267	205	25	unions	union	NOUN
ajeer-267	205	26	like	like	ADP
ajeer-267	205	27	the	the	DET
ajeer-267	205	28	farmers	farmer	NOUN
ajeer-267	205	29	associations	association	NOUN
ajeer-267	205	30	play	play	VERB
ajeer-267	205	31	an	an	DET
ajeer-267	205	32	important	important	ADJ
ajeer-267	205	33	role	role	NOUN
ajeer-267	205	34	in	in	ADP
ajeer-267	205	35	the	the	DET
ajeer-267	205	36	credit	credit	NOUN
ajeer-267	205	37	accessibility	accessibility	NOUN
ajeer-267	205	38	of	of	ADP
ajeer-267	205	39	vietnamese	vietnamese	ADJ
ajeer-267	205	40	rural	rural	ADJ
ajeer-267	205	41	households	household	NOUN
ajeer-267	205	42	in	in	ADP
ajeer-267	205	43	connection	connection	NOUN
ajeer-267	205	44	with	with	ADP
ajeer-267	205	45	agricultural	agricultural	ADJ
ajeer-267	205	46	,	,	PUNCT
ajeer-267	205	47	non	non	ADJ
ajeer-267	205	48	-	-	ADJ
ajeer-267	205	49	agricultural	agricultural	ADJ
ajeer-267	205	50	and	and	CCONJ
ajeer-267	205	51	investment	investment	NOUN
ajeer-267	205	52	loans	loan	NOUN
ajeer-267	205	53	.	.	PUNCT
ajeer-267	206	1	table	table	NOUN
ajeer-267	206	2	5	5	NUM
ajeer-267	206	3	presents	present	VERB
ajeer-267	206	4	the	the	DET
ajeer-267	206	5	estimation	estimation	NOUN
ajeer-267	206	6	results	result	NOUN
ajeer-267	206	7	of	of	ADP
ajeer-267	206	8	heckman	heckman	PROPN
ajeer-267	206	9	two	two	NUM
ajeer-267	206	10	-	-	PUNCT
ajeer-267	206	11	stage	stage	NOUN
ajeer-267	206	12	model	model	NOUN
ajeer-267	206	13	on	on	ADP
ajeer-267	206	14	the	the	DET
ajeer-267	206	15	possibility	possibility	NOUN
ajeer-267	206	16	to	to	PART
ajeer-267	206	17	receive	receive	VERB
ajeer-267	206	18	loans	loan	NOUN
ajeer-267	206	19	of	of	ADP
ajeer-267	206	20	rural	rural	ADJ
ajeer-267	206	21	households	household	NOUN
ajeer-267	206	22	in	in	ADP
ajeer-267	206	23	vietnam	vietnam	PROPN
ajeer-267	206	24	.	.	PUNCT
ajeer-267	207	1	the	the	DET
ajeer-267	207	2	results	result	NOUN
ajeer-267	207	3	show	show	VERB
ajeer-267	207	4	that	that	SCONJ
ajeer-267	207	5	there	there	PRON
ajeer-267	207	6	are	be	VERB
ajeer-267	207	7	18	18	NUM
ajeer-267	207	8	factors	factor	NOUN
ajeer-267	207	9	that	that	PRON
ajeer-267	207	10	affect	affect	VERB
ajeer-267	207	11	the	the	DET
ajeer-267	207	12	value	value	NOUN
ajeer-267	207	13	of	of	ADP
ajeer-267	207	14	loans	loan	NOUN
ajeer-267	207	15	received	receive	VERB
ajeer-267	207	16	from	from	ADP
ajeer-267	207	17	bank	bank	NOUN
ajeer-267	207	18	credit	credit	NOUN
ajeer-267	207	19	institutions	institution	NOUN
ajeer-267	207	20	including	include	VERB
ajeer-267	207	21	average	average	ADJ
ajeer-267	207	22	income	income	NOUN
ajeer-267	207	23	of	of	ADP
ajeer-267	207	24	the	the	DET
ajeer-267	207	25	household	household	NOUN
ajeer-267	207	26	,	,	PUNCT
ajeer-267	207	27	age	age	NOUN
ajeer-267	207	28	of	of	ADP
ajeer-267	207	29	the	the	DET
ajeer-267	207	30	householder	householder	NOUN
ajeer-267	207	31	,	,	PUNCT
ajeer-267	207	32	gender	gender	NOUN
ajeer-267	207	33	of	of	ADP
ajeer-267	207	34	the	the	DET
ajeer-267	207	35	householder	householder	ADJ
ajeer-267	207	36	,	,	PUNCT
ajeer-267	207	37	ethnic	ethnic	ADJ
ajeer-267	207	38	group	group	NOUN
ajeer-267	207	39	,	,	PUNCT
ajeer-267	207	40	marital	marital	ADJ
ajeer-267	207	41	status	status	NOUN
ajeer-267	207	42	,	,	PUNCT
ajeer-267	207	43	educational	educational	ADJ
ajeer-267	207	44	status	status	NOUN
ajeer-267	207	45	of	of	ADP
ajeer-267	207	46	the	the	DET
ajeer-267	207	47	householder	householder	NOUN
ajeer-267	207	48	,	,	PUNCT
ajeer-267	207	49	household	household	NOUN
ajeer-267	207	50	size	size	NOUN
ajeer-267	207	51	,	,	PUNCT
ajeer-267	207	52	percentage	percentage	NOUN
ajeer-267	207	53	of	of	ADP
ajeer-267	207	54	dependent	dependent	ADJ
ajeer-267	207	55	persons	person	NOUN
ajeer-267	207	56	,	,	PUNCT
ajeer-267	207	57	personal	personal	ADJ
ajeer-267	207	58	funding	funding	NOUN
ajeer-267	207	59	,	,	PUNCT
ajeer-267	207	60	savings	saving	NOUN
ajeer-267	207	61	,	,	PUNCT
ajeer-267	207	62	purpose	purpose	NOUN
ajeer-267	207	63	of	of	ADP
ajeer-267	207	64	loan	loan	NOUN
ajeer-267	207	65	according	accord	VERB
ajeer-267	207	66	to	to	ADP
ajeer-267	207	67	application	application	NOUN
ajeer-267	207	68	for	for	ADP
ajeer-267	207	69	borrowing	borrowing	NOUN
ajeer-267	207	70	,	,	PUNCT
ajeer-267	207	71	mortgage	mortgage	NOUN
ajeer-267	207	72	of	of	ADP
ajeer-267	207	73	assets	asset	NOUN
ajeer-267	207	74	,	,	PUNCT
ajeer-267	207	75	natural	natural	ADJ
ajeer-267	207	76	shock	shock	NOUN
ajeer-267	207	77	,	,	PUNCT
ajeer-267	207	78	previous	previous	ADJ
ajeer-267	207	79	borrowing	borrowing	NOUN
ajeer-267	207	80	duration	duration	NOUN
ajeer-267	207	81	and	and	CCONJ
ajeer-267	207	82	members	member	NOUN
ajeer-267	207	83	of	of	ADP
ajeer-267	207	84	associations	association	NOUN
ajeer-267	207	85	and	and	CCONJ
ajeer-267	207	86	unions	union	NOUN
ajeer-267	207	87	.	.	PUNCT
ajeer-267	208	1	table-5	table-5	PROPN
ajeer-267	208	2	.	.	PUNCT
ajeer-267	208	3	results	result	NOUN
ajeer-267	208	4	of	of	ADP
ajeer-267	208	5	heckman	heckman	PROPN
ajeer-267	208	6	model	model	PROPN
ajeer-267	208	7	analysis	analysis	NOUN
ajeer-267	208	8	of	of	ADP
ajeer-267	208	9	the	the	DET
ajeer-267	208	10	second	second	ADJ
ajeer-267	208	11	step	step	NOUN
ajeer-267	208	12	on	on	ADP
ajeer-267	208	13	the	the	DET
ajeer-267	208	14	ability	ability	NOUN
ajeer-267	208	15	of	of	ADP
ajeer-267	208	16	rural	rural	ADJ
ajeer-267	208	17	households	household	NOUN
ajeer-267	208	18	to	to	PART
ajeer-267	208	19	access	access	VERB
ajeer-267	208	20	bank	bank	NOUN
ajeer-267	208	21	credit	credit	NOUN
ajeer-267	208	22	.	.	PUNCT
ajeer-267	209	1	variables	variable	NOUN
ajeer-267	209	2	symbols	symbol	NOUN
ajeer-267	209	3	2014	2014	NUM
ajeer-267	209	4	2016	2016	NUM
ajeer-267	209	5	coeficient	coeficient	NOUN
ajeer-267	209	6	coeficient	coeficient	PROPN
ajeer-267	209	7	average	average	ADJ
ajeer-267	209	8	income	income	NOUN
ajeer-267	209	9	avgincome	avgincome	VERB
ajeer-267	209	10	73649.6	73649.6	NUM
ajeer-267	209	11	*	*	PUNCT
ajeer-267	209	12	*	*	PUNCT
ajeer-267	209	13	*	*	PUNCT
ajeer-267	209	14	(	(	PUNCT
ajeer-267	209	15	2601.12	2601.12	NUM
ajeer-267	209	16	)	)	PUNCT
ajeer-267	209	17	-67017.78	-67017.78	NOUN
ajeer-267	209	18	*	*	PUNCT
ajeer-267	209	19	*	*	PUNCT
ajeer-267	209	20	*	*	PUNCT
ajeer-267	209	21	(	(	PUNCT
ajeer-267	209	22	4726.173	4726.173	NOUN
ajeer-267	209	23	)	)	PUNCT
ajeer-267	209	24	householder	householder	NOUN
ajeer-267	209	25	’s	’s	PART
ajeer-267	209	26	age	age	NOUN
ajeer-267	209	27	age	age	NOUN
ajeer-267	209	28	4132.494	4132.494	NUM
ajeer-267	209	29	*	*	PUNCT
ajeer-267	209	30	*	*	PUNCT
ajeer-267	209	31	*	*	PUNCT
ajeer-267	209	32	(	(	PUNCT
ajeer-267	209	33	165.016	165.016	NUM
ajeer-267	209	34	)	)	PUNCT
ajeer-267	209	35	4118.629	4118.629	NUM
ajeer-267	209	36	*	*	PUNCT
ajeer-267	209	37	*	*	PUNCT
ajeer-267	209	38	*	*	PUNCT
ajeer-267	209	39	(	(	PUNCT
ajeer-267	209	40	220.0773	220.0773	NUM
ajeer-267	209	41	)	)	PUNCT
ajeer-267	209	42	householder	householder	NOUN
ajeer-267	209	43	’s	’s	PART
ajeer-267	209	44	gender	gender	NOUN
ajeer-267	209	45	sex	sex	NOUN
ajeer-267	209	46	-87452.24	-87452.24	NOUN
ajeer-267	209	47	*	*	PUNCT
ajeer-267	209	48	*	*	PUNCT
ajeer-267	209	49	*	*	PUNCT
ajeer-267	209	50	(	(	PUNCT
ajeer-267	209	51	6413.622	6413.622	NUM
ajeer-267	209	52	)	)	PUNCT
ajeer-267	209	53	38572.18	38572.18	NUM
ajeer-267	209	54	*	*	PUNCT
ajeer-267	209	55	*	*	PUNCT
ajeer-267	209	56	*	*	PUNCT
ajeer-267	209	57	(	(	PUNCT
ajeer-267	209	58	7154.788	7154.788	NUM
ajeer-267	209	59	)	)	PUNCT
ajeer-267	209	60	ethnicity	ethnicity	NOUN
ajeer-267	209	61	eth	eth	NOUN
ajeer-267	209	62	-139839.4	-139839.4	NOUN
ajeer-267	209	63	*	*	PUNCT
ajeer-267	209	64	*	*	PUNCT
ajeer-267	209	65	*	*	PUNCT
ajeer-267	209	66	(	(	PUNCT
ajeer-267	209	67	4766.728	4766.728	NOUN
ajeer-267	209	68	)	)	PUNCT
ajeer-267	210	1	-50314.83	-50314.83	PROPN
ajeer-267	211	1	*	*	PUNCT
ajeer-267	212	1	*	*	PUNCT
ajeer-267	212	2	*	*	PUNCT
ajeer-267	212	3	(	(	PUNCT
ajeer-267	212	4	4712.804	4712.804	NOUN
ajeer-267	212	5	)	)	PUNCT
ajeer-267	212	6	marital	marital	ADJ
ajeer-267	212	7	status	status	NOUN
ajeer-267	212	8	sta	sta	NOUN
ajeer-267	212	9	273940.4	273940.4	NUM
ajeer-267	212	10	*	*	PUNCT
ajeer-267	212	11	*	*	PUNCT
ajeer-267	212	12	*	*	PUNCT
ajeer-267	212	13	(	(	PUNCT
ajeer-267	212	14	8523.094	8523.094	NOUN
ajeer-267	212	15	)	)	PUNCT
ajeer-267	212	16	134770.6	134770.6	NUM
ajeer-267	212	17	*	*	PUNCT
ajeer-267	212	18	*	*	PUNCT
ajeer-267	212	19	*	*	PUNCT
ajeer-267	212	20	(	(	PUNCT
ajeer-267	212	21	7654.039	7654.039	NOUN
ajeer-267	212	22	)	)	PUNCT
ajeer-267	212	23	education	education	NOUN
ajeer-267	212	24	status	status	NOUN
ajeer-267	212	25	of	of	ADP
ajeer-267	212	26	head	head	NOUN
ajeer-267	212	27	of	of	ADP
ajeer-267	212	28	household	household	NOUN
ajeer-267	212	29	edu	edu	PROPN
ajeer-267	212	30	-9616.384	-9616.384	PUNCT
ajeer-267	212	31	*	*	PUNCT
ajeer-267	212	32	*	*	PUNCT
ajeer-267	212	33	*	*	PUNCT
ajeer-267	212	34	(	(	PUNCT
ajeer-267	212	35	986.8537	986.8537	NUM
ajeer-267	212	36	)	)	PUNCT
ajeer-267	212	37	568.6621	568.6621	NUM
ajeer-267	212	38	(	(	PUNCT
ajeer-267	212	39	1208.606	1208.606	NUM
ajeer-267	212	40	)	)	PUNCT
ajeer-267	212	41	household	household	NOUN
ajeer-267	212	42	size	size	NOUN
ajeer-267	212	43	size	size	NOUN
ajeer-267	212	44	18312.25	18312.25	NUM
ajeer-267	212	45	*	*	PUNCT
ajeer-267	212	46	*	*	PUNCT
ajeer-267	212	47	*	*	PUNCT
ajeer-267	212	48	(	(	PUNCT
ajeer-267	212	49	1049.948	1049.948	NUM
ajeer-267	212	50	)	)	PUNCT
ajeer-267	212	51	27264.61	27264.61	NUM
ajeer-267	212	52	*	*	PUNCT
ajeer-267	212	53	*	*	PUNCT
ajeer-267	212	54	*	*	PUNCT
ajeer-267	212	55	(	(	PUNCT
ajeer-267	212	56	1477.458	1477.458	ADJ
ajeer-267	212	57	)	)	PUNCT
ajeer-267	212	58	percentage	percentage	NOUN
ajeer-267	212	59	of	of	ADP
ajeer-267	212	60	dependents	dependent	NOUN
ajeer-267	212	61	dep	dep	PROPN
ajeer-267	212	62	-78477.19	-78477.19	PROPN
ajeer-267	212	63	*	*	PROPN
ajeer-267	212	64	*	*	PUNCT
ajeer-267	212	65	*	*	PUNCT
ajeer-267	212	66	(	(	PUNCT
ajeer-267	212	67	6239.476	6239.476	NOUN
ajeer-267	212	68	)	)	PUNCT
ajeer-267	212	69	-132654.2	-132654.2	NOUN
ajeer-267	212	70	*	*	PUNCT
ajeer-267	212	71	*	*	PUNCT
ajeer-267	212	72	*	*	PUNCT
ajeer-267	212	73	(	(	PUNCT
ajeer-267	212	74	8557.581	8557.581	NUM
ajeer-267	212	75	)	)	PUNCT
ajeer-267	212	76	individual	individual	ADJ
ajeer-267	212	77	financing	finance	VERB
ajeer-267	212	78	inf	inf	NOUN
ajeer-267	212	79	-43027.84	-43027.84	NOUN
ajeer-267	212	80	*	*	PUNCT
ajeer-267	212	81	*	*	PUNCT
ajeer-267	212	82	*	*	PUNCT
ajeer-267	212	83	(	(	PUNCT
ajeer-267	212	84	3818.201	3818.201	NUM
ajeer-267	212	85	)	)	PUNCT
ajeer-267	212	86	-17069.21	-17069.21	PROPN
ajeer-267	212	87	*	*	PUNCT
ajeer-267	212	88	*	*	PUNCT
ajeer-267	212	89	*	*	PUNCT
ajeer-267	212	90	(	(	PUNCT
ajeer-267	212	91	4940.635	4940.635	NUM
ajeer-267	212	92	)	)	PUNCT
ajeer-267	212	93	savings	saving	NOUN
ajeer-267	212	94	sav	sav	NOUN
ajeer-267	212	95	48638.26	48638.26	NUM
ajeer-267	212	96	*	*	PUNCT
ajeer-267	212	97	*	*	PUNCT
ajeer-267	212	98	*	*	PUNCT
ajeer-267	212	99	(	(	PUNCT
ajeer-267	212	100	10767.17	10767.17	NUM
ajeer-267	212	101	)	)	PUNCT
ajeer-267	212	102	55074.53	55074.53	NUM
ajeer-267	212	103	*	*	NOUN
ajeer-267	212	104	*	*	PUNCT
ajeer-267	212	105	*	*	PUNCT
ajeer-267	212	106	(	(	PUNCT
ajeer-267	212	107	12755.77	12755.77	NUM
ajeer-267	212	108	)	)	PUNCT
ajeer-267	212	109	borrowed	borrow	VERB
ajeer-267	212	110	time	time	NOUN
ajeer-267	212	111	loantime	loantime	NOUN
ajeer-267	212	112	-772.9602	-772.9602	PROPN
ajeer-267	212	113	(	(	PUNCT
ajeer-267	212	114	682.6477	682.6477	NOUN
ajeer-267	212	115	)	)	PUNCT
ajeer-267	212	116	-1178.365	-1178.365	NOUN
ajeer-267	212	117	*	*	PUNCT
ajeer-267	212	118	(	(	PUNCT
ajeer-267	212	119	680.6268	680.6268	NUM
ajeer-267	212	120	)	)	PUNCT
ajeer-267	212	121	fee	fee	NOUN
ajeer-267	212	122	of	of	ADP
ajeer-267	212	123	loan	loan	NOUN
ajeer-267	212	124	fee	fee	NOUN
ajeer-267	212	125	7.022414	7.022414	NUM
ajeer-267	212	126	(	(	PUNCT
ajeer-267	212	127	5.063817	5.063817	NUM
ajeer-267	212	128	)	)	PUNCT
ajeer-267	212	129	9.431843	9.431843	NUM
ajeer-267	212	130	(	(	PUNCT
ajeer-267	212	131	7.350401	7.350401	NUM
ajeer-267	212	132	)	)	PUNCT
ajeer-267	212	133	loan	loan	NOUN
ajeer-267	212	134	interest	interest	NOUN
ajeer-267	212	135	loaninterest	loaninter	ADJ
ajeer-267	212	136	16.54856	16.54856	NUM
ajeer-267	212	137	(	(	PUNCT
ajeer-267	212	138	954.1035	954.1035	NUM
ajeer-267	212	139	)	)	PUNCT
ajeer-267	212	140	590.087	590.087	NUM
ajeer-267	212	141	(	(	PUNCT
ajeer-267	212	142	2238.083	2238.083	NUM
ajeer-267	212	143	)	)	PUNCT
ajeer-267	212	144	purpose	purpose	NOUN
ajeer-267	212	145	of	of	ADP
ajeer-267	212	146	loan	loan	NOUN
ajeer-267	212	147	in	in	ADP
ajeer-267	212	148	the	the	DET
ajeer-267	212	149	application	application	NOUN
ajeer-267	212	150	form	form	NOUN
ajeer-267	212	151	tar0n	tar0n	VERB
ajeer-267	213	1	-12535.81	-12535.81	PROPN
ajeer-267	213	2	*	*	PUNCT
ajeer-267	213	3	*	*	PUNCT
ajeer-267	213	4	(	(	PUNCT
ajeer-267	213	5	4870.354	4870.354	NOUN
ajeer-267	213	6	)	)	PUNCT
ajeer-267	213	7	-9727.456	-9727.456	NOUN
ajeer-267	213	8	*	*	PUNCT
ajeer-267	213	9	(	(	PUNCT
ajeer-267	213	10	5875.016	5875.016	NUM
ajeer-267	213	11	)	)	PUNCT
ajeer-267	213	12	the	the	DET
ajeer-267	213	13	actual	actual	ADJ
ajeer-267	213	14	purpose	purpose	NOUN
ajeer-267	213	15	of	of	ADP
ajeer-267	213	16	loan	loan	NOUN
ajeer-267	213	17	tar1n	tar1n	PROPN
ajeer-267	213	18	6229.27	6229.27	NUM
ajeer-267	213	19	(	(	PUNCT
ajeer-267	213	20	4800.941	4800.941	NUM
ajeer-267	213	21	)	)	PUNCT
ajeer-267	213	22	-2026.826	-2026.826	PUNCT
ajeer-267	213	23	(	(	PUNCT
ajeer-267	213	24	5765.248	5765.248	NUM
ajeer-267	213	25	)	)	PUNCT
ajeer-267	213	26	collateral	collateral	ADJ
ajeer-267	213	27	col	col	NOUN
ajeer-267	213	28	15481.43	15481.43	NUM
ajeer-267	213	29	*	*	PUNCT
ajeer-267	213	30	*	*	PUNCT
ajeer-267	213	31	*	*	PUNCT
ajeer-267	213	32	(	(	PUNCT
ajeer-267	213	33	3151.804	3151.804	NUM
ajeer-267	213	34	)	)	PUNCT
ajeer-267	213	35	26878.8	26878.8	NUM
ajeer-267	213	36	*	*	PUNCT
ajeer-267	213	37	*	*	PUNCT
ajeer-267	213	38	*	*	PUNCT
ajeer-267	213	39	(	(	PUNCT
ajeer-267	213	40	4084.574	4084.574	NOUN
ajeer-267	213	41	)	)	PUNCT
ajeer-267	213	42	natural	natural	ADJ
ajeer-267	213	43	shock	shock	NOUN
ajeer-267	213	44	nasock	nasock	NOUN
ajeer-267	213	45	51087.76	51087.76	NUM
ajeer-267	213	46	*	*	PUNCT
ajeer-267	213	47	*	*	PUNCT
ajeer-267	213	48	*	*	PUNCT
ajeer-267	213	49	(	(	PUNCT
ajeer-267	213	50	4355.186	4355.186	PROPN
ajeer-267	213	51	)	)	PUNCT
ajeer-267	213	52	23880.68	23880.68	NUM
ajeer-267	213	53	*	*	PUNCT
ajeer-267	213	54	*	*	PUNCT
ajeer-267	213	55	*	*	PUNCT
ajeer-267	213	56	(	(	PUNCT
ajeer-267	213	57	5294.871	5294.871	NUM
ajeer-267	213	58	)	)	PUNCT
ajeer-267	213	59	member	member	NOUN
ajeer-267	213	60	of	of	ADP
ajeer-267	213	61	farmers	farmers	PROPN
ajeer-267	213	62	association	association	PROPN
ajeer-267	213	63	agrc	agrc	VERB
ajeer-267	213	64	102098.6	102098.6	NUM
ajeer-267	213	65	*	*	PUNCT
ajeer-267	213	66	*	*	PUNCT
ajeer-267	213	67	*	*	PUNCT
ajeer-267	213	68	(	(	PUNCT
ajeer-267	213	69	3860.518	3860.518	NUM
ajeer-267	213	70	)	)	PUNCT
ajeer-267	213	71	159453.7	159453.7	NUM
ajeer-267	213	72	*	*	PUNCT
ajeer-267	213	73	*	*	PUNCT
ajeer-267	213	74	*	*	PUNCT
ajeer-267	213	75	(	(	PUNCT
ajeer-267	213	76	6395.516	6395.516	NOUN
ajeer-267	213	77	)	)	PUNCT
ajeer-267	213	78	member	member	NOUN
ajeer-267	213	79	of	of	ADP
ajeer-267	213	80	women	women	PROPN
ajeer-267	213	81	’s	’s	PART
ajeer-267	213	82	union	union	NOUN
ajeer-267	213	83	womec	womec	ADJ
ajeer-267	213	84	-47029.69	-47029.69	PROPN
ajeer-267	213	85	*	*	PUNCT
ajeer-267	213	86	*	*	PUNCT
ajeer-267	213	87	*	*	PUNCT
ajeer-267	213	88	(	(	PUNCT
ajeer-267	213	89	6761.327	6761.327	NUM
ajeer-267	213	90	)	)	PUNCT
ajeer-267	213	91	66861.14	66861.14	NUM
ajeer-267	213	92	*	*	PUNCT
ajeer-267	213	93	*	*	PUNCT
ajeer-267	213	94	*	*	PUNCT
ajeer-267	213	95	(	(	PUNCT
ajeer-267	213	96	8245.986	8245.986	NUM
ajeer-267	213	97	)	)	PUNCT
ajeer-267	213	98	party	party	NOUN
ajeer-267	213	99	member	member	NOUN
ajeer-267	213	100	party	party	PROPN
ajeer-267	213	101	86252.55	86252.55	NUM
ajeer-267	213	102	*	*	PUNCT
ajeer-267	213	103	*	*	PUNCT
ajeer-267	213	104	*	*	PUNCT
ajeer-267	213	105	(	(	PUNCT
ajeer-267	213	106	6212.679	6212.679	NOUN
ajeer-267	213	107	)	)	PUNCT
ajeer-267	213	108	203678.5	203678.5	NUM
ajeer-267	213	109	*	*	PUNCT
ajeer-267	213	110	*	*	PUNCT
ajeer-267	213	111	*	*	PUNCT
ajeer-267	213	112	(	(	PUNCT
ajeer-267	213	113	10141.56	10141.56	NUM
ajeer-267	213	114	)	)	PUNCT
ajeer-267	213	115	member	member	NOUN
ajeer-267	213	116	of	of	ADP
ajeer-267	213	117	veterans	veterans	PROPN
ajeer-267	213	118	association	association	PROPN
ajeer-267	213	119	veterc	veterc	ADJ
ajeer-267	213	120	-115005.1	-115005.1	NOUN
ajeer-267	213	121	*	*	PUNCT
ajeer-267	213	122	*	*	PUNCT
ajeer-267	213	123	*	*	PUNCT
ajeer-267	213	124	(	(	PUNCT
ajeer-267	213	125	5578.39	5578.39	NUM
ajeer-267	213	126	)	)	PUNCT
ajeer-267	213	127	-67691.25	-67691.25	PROPN
ajeer-267	214	1	*	*	PUNCT
ajeer-267	214	2	*	*	PUNCT
ajeer-267	214	3	*	*	PUNCT
ajeer-267	214	4	(	(	PUNCT
ajeer-267	214	5	7140.371	7140.371	ADJ
ajeer-267	214	6	)	)	PUNCT
ajeer-267	214	7	lambda	lambda	NOUN
ajeer-267	214	8	962010.9	962010.9	NUM
ajeer-267	214	9	*	*	NOUN
ajeer-267	214	10	*	*	PUNCT
ajeer-267	214	11	*	*	PUNCT
ajeer-267	214	12	(	(	PUNCT
ajeer-267	214	13	23292.64	23292.64	NUM
ajeer-267	214	14	)	)	PUNCT
ajeer-267	214	15	1201355	1201355	NUM
ajeer-267	214	16	*	*	PUNCT
ajeer-267	215	1	*	*	PUNCT
ajeer-267	215	2	*	*	PUNCT
ajeer-267	215	3	(	(	PUNCT
ajeer-267	215	4	38324.22	38324.22	NUM
ajeer-267	215	5	)	)	PUNCT
ajeer-267	215	6	constant	constant	ADJ
ajeer-267	215	7	_	_	PROPN
ajeer-267	215	8	cons	con	NOUN
ajeer-267	215	9	-1125626	-1125626	PROPN
ajeer-267	215	10	*	*	PUNCT
ajeer-267	215	11	*	*	PUNCT
ajeer-267	215	12	*	*	PUNCT
ajeer-267	215	13	(	(	PUNCT
ajeer-267	215	14	30100.51	30100.51	NUM
ajeer-267	215	15	)	)	PUNCT
ajeer-267	215	16	-261218.6	-261218.6	NOUN
ajeer-267	215	17	(	(	PUNCT
ajeer-267	215	18	27134.05	27134.05	NUM
ajeer-267	215	19	)	)	PUNCT
ajeer-267	215	20	note	note	NOUN
ajeer-267	215	21	:	:	PUNCT
ajeer-267	215	22	(	(	PUNCT
ajeer-267	215	23	*	*	NOUN
ajeer-267	215	24	)	)	PUNCT
ajeer-267	215	25	,	,	PUNCT
ajeer-267	215	26	(	(	PUNCT
ajeer-267	215	27	*	*	PUNCT
ajeer-267	215	28	*	*	PUNCT
ajeer-267	215	29	)	)	PUNCT
ajeer-267	215	30	and	and	CCONJ
ajeer-267	215	31	(	(	PUNCT
ajeer-267	215	32	*	*	PUNCT
ajeer-267	215	33	*	*	PUNCT
ajeer-267	215	34	*	*	PUNCT
ajeer-267	215	35	)	)	PUNCT
ajeer-267	215	36	are	be	AUX
ajeer-267	215	37	statistically	statistically	ADV
ajeer-267	215	38	significant	significant	ADJ
ajeer-267	215	39	at	at	ADP
ajeer-267	215	40	10	10	NUM
ajeer-267	215	41	%	%	NOUN
ajeer-267	215	42	,	,	PUNCT
ajeer-267	215	43	5	5	NUM
ajeer-267	215	44	%	%	NOUN
ajeer-267	215	45	and	and	CCONJ
ajeer-267	215	46	1	1	NUM
ajeer-267	215	47	%	%	NOUN
ajeer-267	215	48	respectively	respectively	ADV
ajeer-267	215	49	.	.	PUNCT
ajeer-267	216	1	source	source	NOUN
ajeer-267	216	2	:	:	PUNCT
ajeer-267	216	3	calculated	calculate	VERB
ajeer-267	216	4	by	by	ADP
ajeer-267	216	5	the	the	DET
ajeer-267	216	6	author	author	NOUN
ajeer-267	216	7	based	base	VERB
ajeer-267	216	8	on	on	ADP
ajeer-267	216	9	vhlss	vhlss	ADJ
ajeer-267	216	10	2014	2014	NUM
ajeer-267	216	11	and	and	CCONJ
ajeer-267	216	12	vhlss	vhlss	ADJ
ajeer-267	216	13	2016	2016	NUM
ajeer-267	216	14	dataset	dataset	NOUN
ajeer-267	216	15	.	.	PUNCT
ajeer-267	217	1	asian	asian	ADJ
ajeer-267	217	2	journal	journal	PROPN
ajeer-267	217	3	of	of	ADP
ajeer-267	217	4	economics	economic	NOUN
ajeer-267	217	5	and	and	CCONJ
ajeer-267	217	6	empirical	empirical	ADJ
ajeer-267	217	7	research	research	NOUN
ajeer-267	217	8	,	,	PUNCT
ajeer-267	217	9	2019	2019	NUM
ajeer-267	217	10	,	,	PUNCT
ajeer-267	217	11	6(1	6(1	NUM
ajeer-267	217	12	):	):	PUNCT
ajeer-267	217	13	59	59	NUM
ajeer-267	217	14	-	-	SYM
ajeer-267	217	15	69	69	NUM
ajeer-267	217	16	68	68	NUM
ajeer-267	217	17	©	©	PROPN
ajeer-267	217	18	2019	2019	NUM
ajeer-267	217	19	by	by	ADP
ajeer-267	217	20	the	the	DET
ajeer-267	217	21	authors	author	NOUN
ajeer-267	217	22	;	;	PUNCT
ajeer-267	217	23	licensee	licensee	PROPN
ajeer-267	217	24	asian	asian	ADJ
ajeer-267	217	25	online	online	PROPN
ajeer-267	217	26	journal	journal	PROPN
ajeer-267	217	27	publishing	publishing	NOUN
ajeer-267	217	28	group	group	NOUN
ajeer-267	217	29	firstly	firstly	ADV
ajeer-267	217	30	,	,	PUNCT
ajeer-267	217	31	the	the	DET
ajeer-267	217	32	average	average	ADJ
ajeer-267	217	33	incomes	income	NOUN
ajeer-267	217	34	of	of	ADP
ajeer-267	217	35	households	household	NOUN
ajeer-267	217	36	have	have	VERB
ajeer-267	217	37	a	a	DET
ajeer-267	217	38	remarkably	remarkably	ADV
ajeer-267	217	39	positive	positive	ADJ
ajeer-267	217	40	and	and	CCONJ
ajeer-267	217	41	statistically	statistically	ADV
ajeer-267	217	42	significant	significant	ADJ
ajeer-267	217	43	effect	effect	NOUN
ajeer-267	217	44	on	on	ADP
ajeer-267	217	45	the	the	DET
ajeer-267	217	46	value	value	NOUN
ajeer-267	217	47	of	of	ADP
ajeer-267	217	48	the	the	DET
ajeer-267	217	49	loans	loan	NOUN
ajeer-267	217	50	they	they	PRON
ajeer-267	217	51	receive	receive	VERB
ajeer-267	217	52	from	from	ADP
ajeer-267	217	53	the	the	DET
ajeer-267	217	54	bank	bank	NOUN
ajeer-267	217	55	credit	credit	NOUN
ajeer-267	217	56	institutions	institution	NOUN
ajeer-267	217	57	at	at	ADP
ajeer-267	217	58	10	10	NUM
ajeer-267	217	59	%	%	NOUN
ajeer-267	217	60	.	.	PUNCT
ajeer-267	218	1	households	household	NOUN
ajeer-267	218	2	with	with	ADP
ajeer-267	218	3	higher	high	ADJ
ajeer-267	218	4	average	average	ADJ
ajeer-267	218	5	annual	annual	ADJ
ajeer-267	218	6	incomes	income	NOUN
ajeer-267	218	7	have	have	VERB
ajeer-267	218	8	higher	high	ADJ
ajeer-267	218	9	accessibility	accessibility	NOUN
ajeer-267	218	10	to	to	ADP
ajeer-267	218	11	bank	bank	NOUN
ajeer-267	218	12	credit	credit	NOUN
ajeer-267	218	13	capital	capital	NOUN
ajeer-267	218	14	than	than	ADP
ajeer-267	218	15	to	to	ADP
ajeer-267	218	16	informal	informal	ADJ
ajeer-267	218	17	credit	credit	NOUN
ajeer-267	218	18	capital	capital	NOUN
ajeer-267	218	19	.	.	PUNCT
ajeer-267	219	1	this	this	DET
ajeer-267	219	2	conclusion	conclusion	NOUN
ajeer-267	219	3	is	be	AUX
ajeer-267	219	4	similar	similar	ADJ
ajeer-267	219	5	to	to	ADP
ajeer-267	219	6	nguyen	nguyen	NOUN
ajeer-267	219	7	and	and	CCONJ
ajeer-267	219	8	pham	pham	PROPN
ajeer-267	219	9	(	(	PUNCT
ajeer-267	219	10	2010	2010	NUM
ajeer-267	219	11	)	)	PUNCT
ajeer-267	219	12	,	,	PUNCT
ajeer-267	219	13	tran	tran	PROPN
ajeer-267	219	14	and	and	CCONJ
ajeer-267	219	15	huynh	huynh	PROPN
ajeer-267	219	16	(	(	PUNCT
ajeer-267	219	17	2013	2013	NUM
ajeer-267	219	18	)	)	PUNCT
ajeer-267	219	19	,	,	PUNCT
ajeer-267	219	20	bui	bui	NOUN
ajeer-267	219	21	and	and	CCONJ
ajeer-267	219	22	truong	truong	PROPN
ajeer-267	219	23	(	(	PUNCT
ajeer-267	219	24	2014	2014	NUM
ajeer-267	219	25	)	)	PUNCT
ajeer-267	219	26	,	,	PUNCT
ajeer-267	219	27	vuong	vuong	PROPN
ajeer-267	219	28	and	and	CCONJ
ajeer-267	219	29	dang	dang	INTJ
ajeer-267	219	30	(	(	PUNCT
ajeer-267	219	31	2015	2015	NUM
ajeer-267	219	32	)	)	PUNCT
ajeer-267	219	33	,	,	PUNCT
ajeer-267	219	34	mwangi	mwangi	PROPN
ajeer-267	219	35	and	and	CCONJ
ajeer-267	219	36	sichei	sichei	PROPN
ajeer-267	219	37	(	(	PUNCT
ajeer-267	219	38	2011	2011	NUM
ajeer-267	219	39	)	)	PUNCT
ajeer-267	219	40	but	but	CCONJ
ajeer-267	219	41	contrary	contrary	ADJ
ajeer-267	219	42	to	to	ADP
ajeer-267	219	43	the	the	DET
ajeer-267	219	44	development	development	NOUN
ajeer-267	219	45	economics	economics	PROPN
ajeer-267	219	46	research	research	PROPN
ajeer-267	219	47	group	group	NOUN
ajeer-267	219	48	(	(	PUNCT
ajeer-267	219	49	derg	derg	PROPN
ajeer-267	219	50	)	)	PUNCT
ajeer-267	219	51	.	.	PUNCT
ajeer-267	220	1	second	second	ADV
ajeer-267	220	2	,	,	PUNCT
ajeer-267	220	3	the	the	DET
ajeer-267	220	4	estimation	estimation	NOUN
ajeer-267	220	5	results	result	NOUN
ajeer-267	220	6	explain	explain	VERB
ajeer-267	220	7	that	that	SCONJ
ajeer-267	220	8	ages	age	NOUN
ajeer-267	220	9	of	of	ADP
ajeer-267	220	10	the	the	DET
ajeer-267	220	11	householders	householder	NOUN
ajeer-267	220	12	have	have	VERB
ajeer-267	220	13	a	a	DET
ajeer-267	220	14	positive	positive	ADJ
ajeer-267	220	15	impact	impact	NOUN
ajeer-267	220	16	on	on	ADP
ajeer-267	220	17	the	the	DET
ajeer-267	220	18	value	value	NOUN
ajeer-267	220	19	of	of	ADP
ajeer-267	220	20	the	the	DET
ajeer-267	220	21	loans	loan	NOUN
ajeer-267	220	22	they	they	PRON
ajeer-267	220	23	receive	receive	VERB
ajeer-267	220	24	from	from	ADP
ajeer-267	220	25	bank	bank	NOUN
ajeer-267	220	26	credit	credit	NOUN
ajeer-267	220	27	institutions	institution	NOUN
ajeer-267	220	28	at	at	ADP
ajeer-267	220	29	a	a	DET
ajeer-267	220	30	significant	significant	ADJ
ajeer-267	220	31	rate	rate	NOUN
ajeer-267	220	32	of	of	ADP
ajeer-267	220	33	5	5	NUM
ajeer-267	220	34	%	%	NOUN
ajeer-267	220	35	.	.	PUNCT
ajeer-267	221	1	this	this	PRON
ajeer-267	221	2	implies	imply	VERB
ajeer-267	221	3	that	that	SCONJ
ajeer-267	221	4	the	the	PRON
ajeer-267	221	5	older	old	ADJ
ajeer-267	221	6	the	the	DET
ajeer-267	221	7	householder	householder	NOUN
ajeer-267	221	8	is	be	AUX
ajeer-267	221	9	,	,	PUNCT
ajeer-267	221	10	the	the	PRON
ajeer-267	221	11	higher	high	ADJ
ajeer-267	221	12	the	the	DET
ajeer-267	221	13	probability	probability	NOUN
ajeer-267	221	14	of	of	ADP
ajeer-267	221	15	receiving	receive	VERB
ajeer-267	221	16	bank	bank	NOUN
ajeer-267	221	17	credit	credit	NOUN
ajeer-267	221	18	capital	capital	NOUN
ajeer-267	221	19	than	than	ADP
ajeer-267	221	20	informal	informal	ADJ
ajeer-267	221	21	credit	credit	NOUN
ajeer-267	221	22	capital	capital	NOUN
ajeer-267	221	23	is	be	AUX
ajeer-267	221	24	.	.	PUNCT
ajeer-267	222	1	this	this	DET
ajeer-267	222	2	finding	finding	NOUN
ajeer-267	222	3	is	be	AUX
ajeer-267	222	4	supported	support	VERB
ajeer-267	222	5	by	by	ADP
ajeer-267	222	6	nguyen	nguyen	NOUN
ajeer-267	222	7	and	and	CCONJ
ajeer-267	222	8	pham	pham	PROPN
ajeer-267	222	9	(	(	PUNCT
ajeer-267	222	10	2010	2010	NUM
ajeer-267	222	11	)	)	PUNCT
ajeer-267	222	12	,	,	PUNCT
ajeer-267	222	13	vuong	vuong	PROPN
ajeer-267	222	14	and	and	CCONJ
ajeer-267	222	15	dang	dang	INTJ
ajeer-267	222	16	(	(	PUNCT
ajeer-267	222	17	2015	2015	NUM
ajeer-267	222	18	)	)	PUNCT
ajeer-267	222	19	and	and	CCONJ
ajeer-267	222	20	mwangi	mwangi	PROPN
ajeer-267	222	21	and	and	CCONJ
ajeer-267	222	22	sichei	sichei	PROPN
ajeer-267	222	23	(	(	PUNCT
ajeer-267	222	24	2011	2011	NUM
ajeer-267	222	25	)	)	PUNCT
ajeer-267	222	26	.	.	PUNCT
ajeer-267	223	1	thirdly	thirdly	ADV
ajeer-267	223	2	,	,	PUNCT
ajeer-267	223	3	the	the	DET
ajeer-267	223	4	value	value	NOUN
ajeer-267	223	5	of	of	ADP
ajeer-267	223	6	loans	loan	NOUN
ajeer-267	223	7	received	receive	VERB
ajeer-267	223	8	from	from	ADP
ajeer-267	223	9	bank	bank	NOUN
ajeer-267	223	10	credit	credit	NOUN
ajeer-267	223	11	institutions	institution	NOUN
ajeer-267	223	12	is	be	AUX
ajeer-267	223	13	also	also	ADV
ajeer-267	223	14	increased	increase	VERB
ajeer-267	223	15	for	for	ADP
ajeer-267	223	16	households	household	NOUN
ajeer-267	223	17	of	of	ADP
ajeer-267	223	18	kinh	kinh	ADJ
ajeer-267	223	19	ethnic	ethnic	ADJ
ajeer-267	223	20	group	group	NOUN
ajeer-267	223	21	.	.	PUNCT
ajeer-267	224	1	evidence	evidence	NOUN
ajeer-267	224	2	shows	show	VERB
ajeer-267	224	3	that	that	SCONJ
ajeer-267	224	4	kinh	kinh	VERB
ajeer-267	224	5	people	people	NOUN
ajeer-267	224	6	households	household	NOUN
ajeer-267	224	7	are	be	AUX
ajeer-267	224	8	often	often	ADV
ajeer-267	224	9	more	more	ADV
ajeer-267	224	10	favorable	favorable	ADJ
ajeer-267	224	11	in	in	ADP
ajeer-267	224	12	getting	get	VERB
ajeer-267	224	13	more	more	ADJ
ajeer-267	224	14	loans	loan	NOUN
ajeer-267	224	15	from	from	ADP
ajeer-267	224	16	bank	bank	NOUN
ajeer-267	224	17	credit	credit	NOUN
ajeer-267	224	18	institutions	institution	NOUN
ajeer-267	224	19	.	.	PUNCT
ajeer-267	225	1	this	this	DET
ajeer-267	225	2	conclusion	conclusion	NOUN
ajeer-267	225	3	contrasts	contrast	VERB
ajeer-267	225	4	with	with	ADP
ajeer-267	225	5	the	the	DET
ajeer-267	225	6	development	development	NOUN
ajeer-267	225	7	economics	economics	PROPN
ajeer-267	225	8	research	research	PROPN
ajeer-267	225	9	group	group	NOUN
ajeer-267	225	10	(	(	PUNCT
ajeer-267	225	11	derg	derg	PROPN
ajeer-267	225	12	)	)	PUNCT
ajeer-267	225	13	when	when	SCONJ
ajeer-267	225	14	considering	consider	VERB
ajeer-267	225	15	that	that	SCONJ
ajeer-267	225	16	the	the	DET
ajeer-267	225	17	difference	difference	NOUN
ajeer-267	225	18	among	among	ADP
ajeer-267	225	19	ethnic	ethnic	ADJ
ajeer-267	225	20	group	group	NOUN
ajeer-267	225	21	-	-	PUNCT
ajeer-267	225	22	related	relate	VERB
ajeer-267	225	23	characteristics	characteristic	NOUN
ajeer-267	225	24	of	of	ADP
ajeer-267	225	25	households	household	NOUN
ajeer-267	225	26	is	be	AUX
ajeer-267	225	27	not	not	PART
ajeer-267	225	28	a	a	DET
ajeer-267	225	29	barrier	barrier	NOUN
ajeer-267	225	30	to	to	ADP
ajeer-267	225	31	credit	credit	NOUN
ajeer-267	225	32	accessibility	accessibility	NOUN
ajeer-267	225	33	.	.	PUNCT
ajeer-267	226	1	fourthly	fourthly	ADV
ajeer-267	226	2	,	,	PUNCT
ajeer-267	226	3	the	the	DET
ajeer-267	226	4	findings	finding	NOUN
ajeer-267	226	5	in	in	ADP
ajeer-267	226	6	table	table	NOUN
ajeer-267	226	7	5	5	NUM
ajeer-267	226	8	also	also	ADV
ajeer-267	226	9	indicate	indicate	VERB
ajeer-267	226	10	that	that	SCONJ
ajeer-267	226	11	marital	marital	ADJ
ajeer-267	226	12	status	status	NOUN
ajeer-267	226	13	of	of	ADP
ajeer-267	226	14	the	the	DET
ajeer-267	226	15	householders	householder	NOUN
ajeer-267	226	16	is	be	AUX
ajeer-267	226	17	a	a	DET
ajeer-267	226	18	key	key	ADJ
ajeer-267	226	19	factor	factor	NOUN
ajeer-267	226	20	that	that	PRON
ajeer-267	226	21	has	have	VERB
ajeer-267	226	22	a	a	DET
ajeer-267	226	23	significant	significant	ADJ
ajeer-267	226	24	effect	effect	NOUN
ajeer-267	226	25	on	on	ADP
ajeer-267	226	26	the	the	DET
ajeer-267	226	27	value	value	NOUN
ajeer-267	226	28	of	of	ADP
ajeer-267	226	29	the	the	DET
ajeer-267	226	30	loans	loan	NOUN
ajeer-267	226	31	received	receive	VERB
ajeer-267	226	32	from	from	ADP
ajeer-267	226	33	the	the	DET
ajeer-267	226	34	bank	bank	NOUN
ajeer-267	226	35	credit	credit	NOUN
ajeer-267	226	36	institutions	institution	NOUN
ajeer-267	226	37	by	by	ADP
ajeer-267	226	38	rural	rural	ADJ
ajeer-267	226	39	households	household	NOUN
ajeer-267	226	40	at	at	ADP
ajeer-267	226	41	a	a	DET
ajeer-267	226	42	statistically	statistically	ADV
ajeer-267	226	43	significant	significant	ADJ
ajeer-267	226	44	rate	rate	NOUN
ajeer-267	226	45	of	of	ADP
ajeer-267	226	46	1	1	NUM
ajeer-267	226	47	%	%	NOUN
ajeer-267	226	48	.	.	PUNCT
ajeer-267	227	1	this	this	PRON
ajeer-267	227	2	implies	imply	VERB
ajeer-267	227	3	that	that	SCONJ
ajeer-267	227	4	the	the	DET
ajeer-267	227	5	householders	householder	NOUN
ajeer-267	227	6	who	who	PRON
ajeer-267	227	7	are	be	AUX
ajeer-267	227	8	currently	currently	ADV
ajeer-267	227	9	married	married	ADJ
ajeer-267	227	10	have	have	VERB
ajeer-267	227	11	higher	high	ADJ
ajeer-267	227	12	possibility	possibility	NOUN
ajeer-267	227	13	to	to	PART
ajeer-267	227	14	receive	receive	VERB
ajeer-267	227	15	loans	loan	NOUN
ajeer-267	227	16	from	from	ADP
ajeer-267	227	17	bank	bank	NOUN
ajeer-267	227	18	credit	credit	NOUN
ajeer-267	227	19	institutions	institution	NOUN
ajeer-267	227	20	than	than	ADP
ajeer-267	227	21	from	from	ADP
ajeer-267	227	22	informal	informal	ADJ
ajeer-267	227	23	credits	credit	NOUN
ajeer-267	227	24	.	.	PUNCT
ajeer-267	228	1	this	this	DET
ajeer-267	228	2	finding	finding	NOUN
ajeer-267	228	3	is	be	AUX
ajeer-267	228	4	also	also	ADV
ajeer-267	228	5	not	not	PART
ajeer-267	228	6	similar	similar	ADJ
ajeer-267	228	7	to	to	ADP
ajeer-267	228	8	the	the	DET
ajeer-267	228	9	development	development	NOUN
ajeer-267	228	10	economics	economics	PROPN
ajeer-267	228	11	research	research	PROPN
ajeer-267	228	12	group	group	NOUN
ajeer-267	228	13	(	(	PUNCT
ajeer-267	228	14	derg	derg	PROPN
ajeer-267	228	15	)	)	PUNCT
ajeer-267	228	16	,	,	PUNCT
ajeer-267	228	17	duy	duy	PROPN
ajeer-267	228	18	et	et	PROPN
ajeer-267	228	19	al	al	PROPN
ajeer-267	228	20	.	.	PROPN
ajeer-267	229	1	(	(	PUNCT
ajeer-267	229	2	2012	2012	NUM
ajeer-267	229	3	)	)	PUNCT
ajeer-267	229	4	as	as	ADV
ajeer-267	229	5	well	well	ADV
ajeer-267	229	6	as	as	ADP
ajeer-267	229	7	ololade	ololade	NOUN
ajeer-267	229	8	and	and	CCONJ
ajeer-267	229	9	olagunju	olagunju	NOUN
ajeer-267	229	10	(	(	PUNCT
ajeer-267	229	11	2013	2013	NUM
ajeer-267	229	12	)	)	PUNCT
ajeer-267	229	13	.	.	PUNCT
ajeer-267	230	1	fifthly	fifthly	ADV
ajeer-267	230	2	,	,	PUNCT
ajeer-267	230	3	the	the	DET
ajeer-267	230	4	duration	duration	NOUN
ajeer-267	230	5	of	of	ADP
ajeer-267	230	6	unpaid	unpaid	ADJ
ajeer-267	230	7	loans	loan	NOUN
ajeer-267	230	8	also	also	ADV
ajeer-267	230	9	reduces	reduce	VERB
ajeer-267	230	10	the	the	DET
ajeer-267	230	11	value	value	NOUN
ajeer-267	230	12	of	of	ADP
ajeer-267	230	13	loans	loan	NOUN
ajeer-267	230	14	received	receive	VERB
ajeer-267	230	15	from	from	ADP
ajeer-267	230	16	bank	bank	NOUN
ajeer-267	230	17	credit	credit	NOUN
ajeer-267	230	18	institutions	institution	NOUN
ajeer-267	230	19	by	by	ADP
ajeer-267	230	20	rural	rural	ADJ
ajeer-267	230	21	households	household	NOUN
ajeer-267	230	22	at	at	ADP
ajeer-267	230	23	a	a	DET
ajeer-267	230	24	statistically	statistically	ADV
ajeer-267	230	25	significant	significant	ADJ
ajeer-267	230	26	rate	rate	NOUN
ajeer-267	230	27	of	of	ADP
ajeer-267	230	28	1	1	NUM
ajeer-267	230	29	%	%	NOUN
ajeer-267	230	30	.	.	PUNCT
ajeer-267	231	1	this	this	DET
ajeer-267	231	2	finding	finding	NOUN
ajeer-267	231	3	implies	imply	VERB
ajeer-267	231	4	that	that	SCONJ
ajeer-267	231	5	the	the	PRON
ajeer-267	231	6	longer	long	ADJ
ajeer-267	231	7	the	the	DET
ajeer-267	231	8	debts	debt	NOUN
ajeer-267	231	9	owed	owe	VERB
ajeer-267	231	10	to	to	ADP
ajeer-267	231	11	households	household	NOUN
ajeer-267	231	12	are	be	AUX
ajeer-267	231	13	,	,	PUNCT
ajeer-267	231	14	the	the	PRON
ajeer-267	231	15	more	more	ADV
ajeer-267	231	16	decreasing	decrease	VERB
ajeer-267	231	17	the	the	DET
ajeer-267	231	18	value	value	NOUN
ajeer-267	231	19	of	of	ADP
ajeer-267	231	20	loans	loan	NOUN
ajeer-267	231	21	received	receive	VERB
ajeer-267	231	22	from	from	ADP
ajeer-267	231	23	bank	bank	NOUN
ajeer-267	231	24	credit	credit	NOUN
ajeer-267	231	25	institutions	institution	NOUN
ajeer-267	231	26	is	be	AUX
ajeer-267	231	27	.	.	PUNCT
ajeer-267	232	1	this	this	PRON
ajeer-267	232	2	is	be	AUX
ajeer-267	232	3	in	in	ADP
ajeer-267	232	4	line	line	NOUN
ajeer-267	232	5	with	with	ADP
ajeer-267	232	6	the	the	DET
ajeer-267	232	7	credit	credit	NOUN
ajeer-267	232	8	rating	rating	NOUN
ajeer-267	232	9	criteria	criterion	NOUN
ajeer-267	232	10	of	of	ADP
ajeer-267	232	11	vietnamese	vietnamese	ADJ
ajeer-267	232	12	banks	bank	NOUN
ajeer-267	232	13	.	.	PUNCT
ajeer-267	233	1	sixthly	sixthly	ADV
ajeer-267	233	2	,	,	PUNCT
ajeer-267	233	3	that	that	SCONJ
ajeer-267	233	4	households	household	NOUN
ajeer-267	233	5	are	be	AUX
ajeer-267	233	6	currently	currently	ADV
ajeer-267	233	7	members	member	NOUN
ajeer-267	233	8	of	of	ADP
ajeer-267	233	9	associations	association	NOUN
ajeer-267	233	10	and	and	CCONJ
ajeer-267	233	11	unions	union	NOUN
ajeer-267	233	12	including	include	VERB
ajeer-267	233	13	farmers	farmer	NOUN
ajeer-267	233	14	associations	association	NOUN
ajeer-267	233	15	,	,	PUNCT
ajeer-267	233	16	women	woman	NOUN
ajeer-267	233	17	’s	’s	PART
ajeer-267	233	18	unions	union	NOUN
ajeer-267	233	19	,	,	PUNCT
ajeer-267	233	20	householders	householder	NOUN
ajeer-267	233	21	as	as	ADP
ajeer-267	233	22	a	a	DET
ajeer-267	233	23	party	party	NOUN
ajeer-267	233	24	member	member	NOUN
ajeer-267	233	25	and	and	CCONJ
ajeer-267	233	26	veterans	veterans	PROPN
ajeer-267	233	27	associations	association	NOUN
ajeer-267	233	28	has	have	VERB
ajeer-267	233	29	a	a	DET
ajeer-267	233	30	positive	positive	ADJ
ajeer-267	233	31	effect	effect	NOUN
ajeer-267	233	32	on	on	ADP
ajeer-267	233	33	the	the	DET
ajeer-267	233	34	value	value	NOUN
ajeer-267	233	35	of	of	ADP
ajeer-267	233	36	loans	loan	NOUN
ajeer-267	233	37	received	receive	VERB
ajeer-267	233	38	from	from	ADP
ajeer-267	233	39	bank	bank	NOUN
ajeer-267	233	40	credit	credit	NOUN
ajeer-267	233	41	institutions	institution	NOUN
ajeer-267	233	42	by	by	ADP
ajeer-267	233	43	rural	rural	ADJ
ajeer-267	233	44	households	household	NOUN
ajeer-267	233	45	.	.	PUNCT
ajeer-267	234	1	this	this	PRON
ajeer-267	234	2	shows	show	VERB
ajeer-267	234	3	that	that	PRON
ajeer-267	234	4	received	receive	VERB
ajeer-267	234	5	loans	loan	NOUN
ajeer-267	234	6	are	be	AUX
ajeer-267	234	7	tended	tend	VERB
ajeer-267	234	8	to	to	ADP
ajeer-267	234	9	higher	high	ADJ
ajeer-267	234	10	thanks	thank	NOUN
ajeer-267	234	11	to	to	ADP
ajeer-267	234	12	participation	participation	NOUN
ajeer-267	234	13	in	in	ADP
ajeer-267	234	14	social	social	ADJ
ajeer-267	234	15	activities	activity	NOUN
ajeer-267	234	16	and	and	CCONJ
ajeer-267	234	17	prestige	prestige	NOUN
ajeer-267	234	18	of	of	ADP
ajeer-267	234	19	the	the	DET
ajeer-267	234	20	householders	householder	NOUN
ajeer-267	234	21	.	.	PUNCT
ajeer-267	235	1	this	this	DET
ajeer-267	235	2	result	result	NOUN
ajeer-267	235	3	is	be	AUX
ajeer-267	235	4	agreed	agree	VERB
ajeer-267	235	5	by	by	ADP
ajeer-267	235	6	assogba	assogba	PROPN
ajeer-267	235	7	et	et	PROPN
ajeer-267	235	8	al	al	PROPN
ajeer-267	235	9	.	.	PROPN
ajeer-267	236	1	(	(	PUNCT
ajeer-267	236	2	2017	2017	NUM
ajeer-267	236	3	)	)	PUNCT
ajeer-267	236	4	,	,	PUNCT
ajeer-267	236	5	tran	tran	PROPN
ajeer-267	236	6	and	and	CCONJ
ajeer-267	236	7	huynh	huynh	PROPN
ajeer-267	236	8	(	(	PUNCT
ajeer-267	236	9	2013	2013	NUM
ajeer-267	236	10	)	)	PUNCT
ajeer-267	236	11	and	and	CCONJ
ajeer-267	236	12	the	the	DET
ajeer-267	236	13	development	development	NOUN
ajeer-267	236	14	economics	economics	PROPN
ajeer-267	236	15	research	research	PROPN
ajeer-267	236	16	group	group	NOUN
ajeer-267	236	17	(	(	PUNCT
ajeer-267	236	18	derg	derg	PROPN
ajeer-267	236	19	)	)	PUNCT
ajeer-267	236	20	.	.	PUNCT
ajeer-267	237	1	finally	finally	ADV
ajeer-267	237	2	,	,	PUNCT
ajeer-267	237	3	other	other	ADJ
ajeer-267	237	4	factors	factor	NOUN
ajeer-267	237	5	significantly	significantly	ADV
ajeer-267	237	6	affecting	affect	VERB
ajeer-267	237	7	the	the	DET
ajeer-267	237	8	value	value	NOUN
ajeer-267	237	9	of	of	ADP
ajeer-267	237	10	loans	loan	NOUN
ajeer-267	237	11	received	receive	VERB
ajeer-267	237	12	from	from	ADP
ajeer-267	237	13	bank	bank	NOUN
ajeer-267	237	14	credit	credit	NOUN
ajeer-267	237	15	institutions	institution	NOUN
ajeer-267	237	16	include	include	VERB
ajeer-267	237	17	gender	gender	NOUN
ajeer-267	237	18	of	of	ADP
ajeer-267	237	19	the	the	DET
ajeer-267	237	20	householder	householder	ADJ
ajeer-267	237	21	,	,	PUNCT
ajeer-267	237	22	educational	educational	ADJ
ajeer-267	237	23	status	status	NOUN
ajeer-267	237	24	of	of	ADP
ajeer-267	237	25	the	the	DET
ajeer-267	237	26	householder	householder	NOUN
ajeer-267	237	27	,	,	PUNCT
ajeer-267	237	28	household	household	NOUN
ajeer-267	237	29	size	size	NOUN
ajeer-267	237	30	,	,	PUNCT
ajeer-267	237	31	percentage	percentage	NOUN
ajeer-267	237	32	of	of	ADP
ajeer-267	237	33	dependent	dependent	ADJ
ajeer-267	237	34	persons	person	NOUN
ajeer-267	237	35	,	,	PUNCT
ajeer-267	237	36	personal	personal	ADJ
ajeer-267	237	37	funding	funding	NOUN
ajeer-267	237	38	,	,	PUNCT
ajeer-267	237	39	savings	saving	NOUN
ajeer-267	237	40	,	,	PUNCT
ajeer-267	237	41	purpose	purpose	NOUN
ajeer-267	237	42	of	of	ADP
ajeer-267	237	43	loan	loan	NOUN
ajeer-267	237	44	according	accord	VERB
ajeer-267	237	45	to	to	ADP
ajeer-267	237	46	application	application	NOUN
ajeer-267	237	47	for	for	ADP
ajeer-267	237	48	borrowing	borrowing	NOUN
ajeer-267	237	49	,	,	PUNCT
ajeer-267	237	50	mortgage	mortgage	NOUN
ajeer-267	237	51	of	of	ADP
ajeer-267	237	52	assets	asset	NOUN
ajeer-267	237	53	and	and	CCONJ
ajeer-267	237	54	natural	natural	ADJ
ajeer-267	237	55	shock	shock	NOUN
ajeer-267	237	56	.	.	PUNCT
ajeer-267	238	1	in	in	ADP
ajeer-267	238	2	summary	summary	NOUN
ajeer-267	238	3	,	,	PUNCT
ajeer-267	238	4	based	base	VERB
ajeer-267	238	5	on	on	ADP
ajeer-267	238	6	the	the	DET
ajeer-267	238	7	results	result	NOUN
ajeer-267	238	8	obtained	obtain	VERB
ajeer-267	238	9	from	from	ADP
ajeer-267	238	10	the	the	DET
ajeer-267	238	11	heckman	heckman	PROPN
ajeer-267	238	12	two	two	NUM
ajeer-267	238	13	-	-	PUNCT
ajeer-267	238	14	stage	stage	NOUN
ajeer-267	238	15	model	model	NOUN
ajeer-267	238	16	,	,	PUNCT
ajeer-267	238	17	the	the	DET
ajeer-267	238	18	research	research	NOUN
ajeer-267	238	19	shows	show	VERB
ajeer-267	238	20	factors	factor	NOUN
ajeer-267	238	21	including	include	VERB
ajeer-267	238	22	average	average	ADJ
ajeer-267	238	23	income	income	NOUN
ajeer-267	238	24	of	of	ADP
ajeer-267	238	25	household	household	NOUN
ajeer-267	238	26	,	,	PUNCT
ajeer-267	238	27	age	age	NOUN
ajeer-267	238	28	of	of	ADP
ajeer-267	238	29	householder	householder	ADJ
ajeer-267	238	30	,	,	PUNCT
ajeer-267	238	31	ethnic	ethnic	ADJ
ajeer-267	238	32	group	group	NOUN
ajeer-267	238	33	,	,	PUNCT
ajeer-267	238	34	marital	marital	ADJ
ajeer-267	238	35	status	status	NOUN
ajeer-267	238	36	,	,	PUNCT
ajeer-267	238	37	duration	duration	NOUN
ajeer-267	238	38	of	of	ADP
ajeer-267	238	39	unpaid	unpaid	ADJ
ajeer-267	238	40	loans	loan	NOUN
ajeer-267	238	41	and	and	CCONJ
ajeer-267	238	42	member	member	NOUN
ajeer-267	238	43	of	of	ADP
ajeer-267	238	44	farmers	farmers	PROPN
ajeer-267	238	45	association	association	PROPN
ajeer-267	238	46	,	,	PUNCT
ajeer-267	238	47	the	the	DET
ajeer-267	238	48	householder	householder	NOUN
ajeer-267	238	49	as	as	ADP
ajeer-267	238	50	a	a	DET
ajeer-267	238	51	party	party	NOUN
ajeer-267	238	52	member	member	NOUN
ajeer-267	238	53	have	have	VERB
ajeer-267	238	54	a	a	DET
ajeer-267	238	55	significant	significant	ADJ
ajeer-267	238	56	influence	influence	NOUN
ajeer-267	238	57	on	on	ADP
ajeer-267	238	58	the	the	DET
ajeer-267	238	59	bank	bank	NOUN
ajeer-267	238	60	credit	credit	NOUN
ajeer-267	238	61	accessibility	accessibility	NOUN
ajeer-267	238	62	.	.	PUNCT
ajeer-267	239	1	in	in	ADP
ajeer-267	239	2	contrast	contrast	NOUN
ajeer-267	239	3	,	,	PUNCT
ajeer-267	239	4	the	the	DET
ajeer-267	239	5	evidence	evidence	NOUN
ajeer-267	239	6	have	have	AUX
ajeer-267	239	7	not	not	PART
ajeer-267	239	8	yet	yet	ADV
ajeer-267	239	9	shown	show	VERB
ajeer-267	239	10	the	the	DET
ajeer-267	239	11	factors	factor	NOUN
ajeer-267	239	12	including	include	VERB
ajeer-267	239	13	gender	gender	NOUN
ajeer-267	239	14	of	of	ADP
ajeer-267	239	15	householder	householder	ADJ
ajeer-267	239	16	,	,	PUNCT
ajeer-267	239	17	educational	educational	ADJ
ajeer-267	239	18	status	status	NOUN
ajeer-267	239	19	of	of	ADP
ajeer-267	239	20	householder	householder	NOUN
ajeer-267	239	21	,	,	PUNCT
ajeer-267	239	22	household	household	NOUN
ajeer-267	239	23	size	size	NOUN
ajeer-267	239	24	,	,	PUNCT
ajeer-267	239	25	percentage	percentage	NOUN
ajeer-267	239	26	of	of	ADP
ajeer-267	239	27	dependent	dependent	ADJ
ajeer-267	239	28	persons	person	NOUN
ajeer-267	239	29	,	,	PUNCT
ajeer-267	239	30	personal	personal	ADJ
ajeer-267	239	31	funding	funding	NOUN
ajeer-267	239	32	,	,	PUNCT
ajeer-267	239	33	savings	saving	NOUN
ajeer-267	239	34	,	,	PUNCT
ajeer-267	239	35	members	member	NOUN
ajeer-267	239	36	of	of	ADP
ajeer-267	239	37	women	woman	NOUN
ajeer-267	239	38	's	's	PART
ajeer-267	239	39	union	union	PROPN
ajeer-267	239	40	or	or	CCONJ
ajeer-267	239	41	veterans	veterans	PROPN
ajeer-267	239	42	association	association	NOUN
ajeer-267	239	43	impact	impact	NOUN
ajeer-267	239	44	on	on	ADP
ajeer-267	239	45	the	the	DET
ajeer-267	239	46	bank	bank	NOUN
ajeer-267	239	47	credit	credit	NOUN
ajeer-267	239	48	accessibility	accessibility	NOUN
ajeer-267	239	49	.	.	PUNCT
ajeer-267	240	1	5	5	X
ajeer-267	240	2	.	.	X
ajeer-267	240	3	conclusion	conclusion	NOUN
ajeer-267	240	4	and	and	CCONJ
ajeer-267	240	5	recommendation	recommendation	NOUN
ajeer-267	240	6	5.1	5.1	NUM
ajeer-267	240	7	.	.	PUNCT
ajeer-267	241	1	rural	rural	ADJ
ajeer-267	241	2	households	household	NOUN
ajeer-267	241	3	firstly	firstly	ADV
ajeer-267	241	4	,	,	PUNCT
ajeer-267	241	5	improve	improve	VERB
ajeer-267	241	6	credit	credit	NOUN
ajeer-267	241	7	accessibility	accessibility	NOUN
ajeer-267	241	8	of	of	ADP
ajeer-267	241	9	rural	rural	ADJ
ajeer-267	241	10	households	household	NOUN
ajeer-267	241	11	in	in	ADP
ajeer-267	241	12	vietnam	vietnam	PROPN
ajeer-267	241	13	.	.	PUNCT
ajeer-267	242	1	in	in	ADP
ajeer-267	242	2	fact	fact	NOUN
ajeer-267	242	3	,	,	PUNCT
ajeer-267	242	4	credit	credit	NOUN
ajeer-267	242	5	information	information	NOUN
ajeer-267	242	6	accessibility	accessibility	NOUN
ajeer-267	242	7	of	of	ADP
ajeer-267	242	8	rural	rural	ADJ
ajeer-267	242	9	households	household	NOUN
ajeer-267	242	10	is	be	AUX
ajeer-267	242	11	limited	limit	VERB
ajeer-267	242	12	.	.	PUNCT
ajeer-267	243	1	the	the	DET
ajeer-267	243	2	main	main	ADJ
ajeer-267	243	3	reason	reason	NOUN
ajeer-267	243	4	is	be	AUX
ajeer-267	243	5	that	that	PRON
ajeer-267	243	6	education	education	NOUN
ajeer-267	243	7	level	level	NOUN
ajeer-267	243	8	,	,	PUNCT
ajeer-267	243	9	resident	resident	NOUN
ajeer-267	243	10	's	's	PART
ajeer-267	243	11	living	living	NOUN
ajeer-267	243	12	standards	standard	NOUN
ajeer-267	243	13	,	,	PUNCT
ajeer-267	243	14	access	access	NOUN
ajeer-267	243	15	to	to	ADP
ajeer-267	243	16	information	information	NOUN
ajeer-267	243	17	and	and	CCONJ
ajeer-267	243	18	equal	equal	ADJ
ajeer-267	243	19	rights	right	NOUN
ajeer-267	243	20	are	be	AUX
ajeer-267	243	21	still	still	ADV
ajeer-267	243	22	low	low	ADJ
ajeer-267	243	23	compared	compare	VERB
ajeer-267	243	24	to	to	ADP
ajeer-267	243	25	urban	urban	ADJ
ajeer-267	243	26	areas	area	NOUN
ajeer-267	243	27	.	.	PUNCT
ajeer-267	244	1	therefore	therefore	ADV
ajeer-267	244	2	,	,	PUNCT
ajeer-267	244	3	communication	communication	NOUN
ajeer-267	244	4	channels	channel	NOUN
ajeer-267	244	5	need	need	VERB
ajeer-267	244	6	to	to	PART
ajeer-267	244	7	be	be	AUX
ajeer-267	244	8	disseminated	disseminate	VERB
ajeer-267	244	9	widely	widely	ADV
ajeer-267	244	10	to	to	PART
ajeer-267	244	11	improve	improve	VERB
ajeer-267	244	12	bank	bank	NOUN
ajeer-267	244	13	credit	credit	NOUN
ajeer-267	244	14	accessibility	accessibility	NOUN
ajeer-267	244	15	for	for	ADP
ajeer-267	244	16	rural	rural	ADJ
ajeer-267	244	17	households	household	NOUN
ajeer-267	244	18	.	.	PUNCT
ajeer-267	245	1	local	local	ADJ
ajeer-267	245	2	authorities	authority	NOUN
ajeer-267	245	3	at	at	ADP
ajeer-267	245	4	all	all	DET
ajeer-267	245	5	levels	level	NOUN
ajeer-267	245	6	need	need	VERB
ajeer-267	245	7	to	to	PART
ajeer-267	245	8	establish	establish	VERB
ajeer-267	245	9	a	a	DET
ajeer-267	245	10	department	department	NOUN
ajeer-267	245	11	/	/	SYM
ajeer-267	245	12	committee	committee	NOUN
ajeer-267	245	13	equipped	equip	VERB
ajeer-267	245	14	with	with	ADP
ajeer-267	245	15	sufficient	sufficient	ADJ
ajeer-267	245	16	criteria	criterion	NOUN
ajeer-267	245	17	on	on	ADP
ajeer-267	245	18	facilities	facility	NOUN
ajeer-267	245	19	and	and	CCONJ
ajeer-267	245	20	resources	resource	NOUN
ajeer-267	245	21	with	with	ADP
ajeer-267	245	22	intensive	intensive	ADJ
ajeer-267	245	23	skills	skill	NOUN
ajeer-267	245	24	to	to	PART
ajeer-267	245	25	update	update	VERB
ajeer-267	245	26	credit	credit	NOUN
ajeer-267	245	27	information	information	NOUN
ajeer-267	245	28	for	for	ADP
ajeer-267	245	29	local	local	ADJ
ajeer-267	245	30	people	people	NOUN
ajeer-267	245	31	.	.	PUNCT
ajeer-267	246	1	the	the	DET
ajeer-267	246	2	provision	provision	NOUN
ajeer-267	246	3	of	of	ADP
ajeer-267	246	4	information	information	NOUN
ajeer-267	246	5	to	to	ADP
ajeer-267	246	6	the	the	DET
ajeer-267	246	7	people	people	NOUN
ajeer-267	246	8	must	must	AUX
ajeer-267	246	9	be	be	AUX
ajeer-267	246	10	diversified	diversify	VERB
ajeer-267	246	11	in	in	ADP
ajeer-267	246	12	different	different	ADJ
ajeer-267	246	13	forms	form	NOUN
ajeer-267	246	14	such	such	ADJ
ajeer-267	246	15	as	as	ADP
ajeer-267	246	16	local	local	ADJ
ajeer-267	246	17	radio	radio	NOUN
ajeer-267	246	18	stations	station	NOUN
ajeer-267	246	19	listing	list	VERB
ajeer-267	246	20	at	at	ADP
ajeer-267	246	21	offices	office	NOUN
ajeer-267	246	22	,	,	PUNCT
ajeer-267	246	23	and	and	CCONJ
ajeer-267	246	24	distributing	distribute	VERB
ajeer-267	246	25	leaflets	leaflet	NOUN
ajeer-267	246	26	together	together	ADV
ajeer-267	246	27	with	with	ADP
ajeer-267	246	28	other	other	ADJ
ajeer-267	246	29	administrative	administrative	ADJ
ajeer-267	246	30	procedures	procedure	NOUN
ajeer-267	246	31	.	.	PUNCT
ajeer-267	247	1	secondly	secondly	ADV
ajeer-267	247	2	,	,	PUNCT
ajeer-267	247	3	encourage	encourage	VERB
ajeer-267	247	4	households	household	NOUN
ajeer-267	247	5	to	to	PART
ajeer-267	247	6	join	join	VERB
ajeer-267	247	7	mass	mass	NOUN
ajeer-267	247	8	organizations	organization	NOUN
ajeer-267	247	9	.	.	PUNCT
ajeer-267	248	1	most	most	ADJ
ajeer-267	248	2	households	household	NOUN
ajeer-267	248	3	in	in	ADP
ajeer-267	248	4	rural	rural	ADJ
ajeer-267	248	5	areas	area	NOUN
ajeer-267	248	6	face	face	VERB
ajeer-267	248	7	many	many	ADJ
ajeer-267	248	8	barriers	barrier	NOUN
ajeer-267	248	9	in	in	ADP
ajeer-267	248	10	accessing	access	VERB
ajeer-267	248	11	to	to	ADP
ajeer-267	248	12	credit	credit	NOUN
ajeer-267	248	13	,	,	PUNCT
ajeer-267	248	14	such	such	ADJ
ajeer-267	248	15	as	as	ADP
ajeer-267	248	16	low	low	ADJ
ajeer-267	248	17	education	education	NOUN
ajeer-267	248	18	levels	level	NOUN
ajeer-267	248	19	,	,	PUNCT
ajeer-267	248	20	low	low	ADJ
ajeer-267	248	21	income	income	NOUN
ajeer-267	248	22	,	,	PUNCT
ajeer-267	248	23	high	high	ADJ
ajeer-267	248	24	number	number	NOUN
ajeer-267	248	25	of	of	ADP
ajeer-267	248	26	dependents	dependent	NOUN
ajeer-267	248	27	,	,	PUNCT
ajeer-267	248	28	limited	limited	ADJ
ajeer-267	248	29	time	time	NOUN
ajeer-267	248	30	for	for	ADP
ajeer-267	248	31	social	social	ADJ
ajeer-267	248	32	activities	activity	NOUN
ajeer-267	248	33	.	.	PUNCT
ajeer-267	249	1	due	due	ADP
ajeer-267	249	2	to	to	ADP
ajeer-267	249	3	livelihood	livelihood	NOUN
ajeer-267	249	4	activities	activity	NOUN
ajeer-267	249	5	,	,	PUNCT
ajeer-267	249	6	geographical	geographical	ADJ
ajeer-267	249	7	distance	distance	NOUN
ajeer-267	249	8	,	,	PUNCT
ajeer-267	249	9	...	...	PUNCT
ajeer-267	249	10	affecting	affect	VERB
ajeer-267	249	11	credit	credit	NOUN
ajeer-267	249	12	accessiblity	accessiblity	NOUN
ajeer-267	249	13	.	.	PUNCT
ajeer-267	250	1	participation	participation	NOUN
ajeer-267	250	2	in	in	ADP
ajeer-267	250	3	local	local	ADJ
ajeer-267	250	4	mass	mass	NOUN
ajeer-267	250	5	organizations	organization	NOUN
ajeer-267	250	6	such	such	ADJ
ajeer-267	250	7	as	as	ADP
ajeer-267	250	8	women	woman	NOUN
ajeer-267	250	9	's	's	PART
ajeer-267	250	10	union	union	NOUN
ajeer-267	250	11	,	,	PUNCT
ajeer-267	250	12	farmers	farmer	NOUN
ajeer-267	250	13	'	'	PART
ajeer-267	250	14	association	association	NOUN
ajeer-267	250	15	,	,	PUNCT
ajeer-267	250	16	veterans	veterans	PROPN
ajeer-267	250	17	'	'	PART
ajeer-267	250	18	association	association	NOUN
ajeer-267	250	19	,	,	PUNCT
ajeer-267	250	20	etc	etc	X
ajeer-267	250	21	.	.	X
ajeer-267	250	22	will	will	AUX
ajeer-267	250	23	help	help	VERB
ajeer-267	250	24	people	people	NOUN
ajeer-267	250	25	have	have	VERB
ajeer-267	250	26	more	more	ADJ
ajeer-267	250	27	conditions	condition	NOUN
ajeer-267	250	28	in	in	ADP
ajeer-267	250	29	sharing	share	VERB
ajeer-267	250	30	information	information	NOUN
ajeer-267	250	31	,	,	PUNCT
ajeer-267	250	32	creating	create	VERB
ajeer-267	250	33	close	close	ADJ
ajeer-267	250	34	relationships	relationship	NOUN
ajeer-267	250	35	among	among	ADP
ajeer-267	250	36	households	household	NOUN
ajeer-267	250	37	.	.	PUNCT
ajeer-267	251	1	mass	mass	ADJ
ajeer-267	251	2	organizations	organization	NOUN
ajeer-267	251	3	are	be	AUX
ajeer-267	251	4	also	also	ADV
ajeer-267	251	5	channels	channel	NOUN
ajeer-267	251	6	to	to	PART
ajeer-267	251	7	connect	connect	VERB
ajeer-267	251	8	with	with	ADP
ajeer-267	251	9	banks	bank	NOUN
ajeer-267	251	10	,	,	PUNCT
ajeer-267	251	11	state	state	NOUN
ajeer-267	251	12	agencies	agency	NOUN
ajeer-267	251	13	,	,	PUNCT
ajeer-267	251	14	etc	etc	X
ajeer-267	251	15	.	.	X
ajeer-267	251	16	thus	thus	ADV
ajeer-267	251	17	updating	update	VERB
ajeer-267	251	18	the	the	DET
ajeer-267	251	19	information	information	NOUN
ajeer-267	251	20	fully	fully	ADV
ajeer-267	251	21	and	and	CCONJ
ajeer-267	251	22	promptly	promptly	ADV
ajeer-267	251	23	on	on	ADP
ajeer-267	251	24	the	the	DET
ajeer-267	251	25	credit	credit	NOUN
ajeer-267	251	26	market	market	NOUN
ajeer-267	251	27	.	.	PUNCT
ajeer-267	252	1	thirdly	thirdly	ADV
ajeer-267	252	2	,	,	PUNCT
ajeer-267	252	3	support	support	NOUN
ajeer-267	252	4	households	household	NOUN
ajeer-267	252	5	to	to	PART
ajeer-267	252	6	complete	complete	VERB
ajeer-267	252	7	land	land	NOUN
ajeer-267	252	8	ownership	ownership	NOUN
ajeer-267	252	9	certificates	certificate	NOUN
ajeer-267	252	10	.	.	PUNCT
ajeer-267	253	1	most	most	ADJ
ajeer-267	253	2	rural	rural	ADJ
ajeer-267	253	3	households	household	NOUN
ajeer-267	253	4	have	have	VERB
ajeer-267	253	5	the	the	DET
ajeer-267	253	6	biggest	big	ADJ
ajeer-267	253	7	asset	asset	NOUN
ajeer-267	253	8	is	be	AUX
ajeer-267	253	9	land	land	NOUN
ajeer-267	253	10	.	.	PUNCT
ajeer-267	254	1	however	however	ADV
ajeer-267	254	2	,	,	PUNCT
ajeer-267	254	3	the	the	DET
ajeer-267	254	4	number	number	NOUN
ajeer-267	254	5	of	of	ADP
ajeer-267	254	6	rural	rural	ADJ
ajeer-267	254	7	households	household	NOUN
ajeer-267	254	8	granted	grant	VERB
ajeer-267	254	9	land	land	NOUN
ajeer-267	254	10	ownership	ownership	NOUN
ajeer-267	254	11	certificates	certificate	NOUN
ajeer-267	254	12	is	be	AUX
ajeer-267	254	13	still	still	ADV
ajeer-267	254	14	low	low	ADJ
ajeer-267	254	15	compared	compare	VERB
ajeer-267	254	16	to	to	ADP
ajeer-267	254	17	urban	urban	ADJ
ajeer-267	254	18	households	household	NOUN
ajeer-267	254	19	.	.	PUNCT
ajeer-267	255	1	therefore	therefore	ADV
ajeer-267	255	2	,	,	PUNCT
ajeer-267	255	3	the	the	DET
ajeer-267	255	4	government	government	NOUN
ajeer-267	255	5	should	should	AUX
ajeer-267	255	6	have	have	VERB
ajeer-267	255	7	policies	policy	NOUN
ajeer-267	255	8	to	to	PART
ajeer-267	255	9	encourage	encourage	VERB
ajeer-267	255	10	households	household	NOUN
ajeer-267	255	11	,	,	PUNCT
ajeer-267	255	12	especially	especially	ADV
ajeer-267	255	13	in	in	ADP
ajeer-267	255	14	rural	rural	ADJ
ajeer-267	255	15	areas	area	NOUN
ajeer-267	255	16	,	,	PUNCT
ajeer-267	255	17	to	to	PART
ajeer-267	255	18	obtain	obtain	VERB
ajeer-267	255	19	land	land	NOUN
ajeer-267	255	20	ownership	ownership	NOUN
ajeer-267	255	21	certificates	certificate	NOUN
ajeer-267	255	22	,	,	PUNCT
ajeer-267	255	23	creating	create	VERB
ajeer-267	255	24	favorable	favorable	ADJ
ajeer-267	255	25	conditions	condition	NOUN
ajeer-267	255	26	for	for	ADP
ajeer-267	255	27	households	household	NOUN
ajeer-267	255	28	to	to	PART
ajeer-267	255	29	access	access	VERB
ajeer-267	255	30	credit	credit	NOUN
ajeer-267	255	31	.	.	PUNCT
ajeer-267	256	1	5.2	5.2	NUM
ajeer-267	256	2	.	.	PUNCT
ajeer-267	257	1	banks	bank	NOUN
ajeer-267	257	2	firstly	firstly	ADV
ajeer-267	257	3	,	,	PUNCT
ajeer-267	257	4	improve	improve	VERB
ajeer-267	257	5	lending	lending	NOUN
ajeer-267	257	6	process	process	NOUN
ajeer-267	257	7	and	and	CCONJ
ajeer-267	257	8	procedures	procedure	NOUN
ajeer-267	257	9	for	for	ADP
ajeer-267	257	10	rural	rural	ADJ
ajeer-267	257	11	households	household	NOUN
ajeer-267	257	12	.	.	PUNCT
ajeer-267	258	1	in	in	ADP
ajeer-267	258	2	fact	fact	NOUN
ajeer-267	258	3	,	,	PUNCT
ajeer-267	258	4	rural	rural	ADJ
ajeer-267	258	5	households	household	NOUN
ajeer-267	258	6	borrow	borrow	VERB
ajeer-267	258	7	directly	directly	ADV
ajeer-267	258	8	with	with	ADP
ajeer-267	258	9	a	a	DET
ajeer-267	258	10	complicated	complicated	ADJ
ajeer-267	258	11	loan	loan	NOUN
ajeer-267	258	12	process	process	NOUN
ajeer-267	258	13	at	at	ADP
ajeer-267	258	14	banks	bank	NOUN
ajeer-267	258	15	.	.	PUNCT
ajeer-267	259	1	therefore	therefore	ADV
ajeer-267	259	2	,	,	PUNCT
ajeer-267	259	3	to	to	PART
ajeer-267	259	4	improve	improve	VERB
ajeer-267	259	5	households	household	NOUN
ajeer-267	259	6	'	'	PART
ajeer-267	259	7	access	access	NOUN
ajeer-267	259	8	to	to	ADP
ajeer-267	259	9	bank	bank	NOUN
ajeer-267	259	10	credit	credit	NOUN
ajeer-267	259	11	,	,	PUNCT
ajeer-267	259	12	banks	bank	NOUN
ajeer-267	259	13	need	need	VERB
ajeer-267	259	14	to	to	PART
ajeer-267	259	15	simplify	simplify	VERB
ajeer-267	259	16	procedures	procedure	NOUN
ajeer-267	259	17	and	and	CCONJ
ajeer-267	259	18	streamline	streamline	VERB
ajeer-267	259	19	lending	lending	NOUN
ajeer-267	259	20	processes	process	NOUN
ajeer-267	259	21	for	for	ADP
ajeer-267	259	22	rural	rural	ADJ
ajeer-267	259	23	households	household	NOUN
ajeer-267	259	24	so	so	SCONJ
ajeer-267	259	25	they	they	PRON
ajeer-267	259	26	can	can	AUX
ajeer-267	259	27	access	access	VERB
ajeer-267	259	28	to	to	ADP
ajeer-267	259	29	credit	credit	NOUN
ajeer-267	259	30	easily	easily	ADV
ajeer-267	259	31	and	and	CCONJ
ajeer-267	259	32	fastly	fastly	ADV
ajeer-267	259	33	.	.	PUNCT
ajeer-267	260	1	on	on	ADP
ajeer-267	260	2	the	the	DET
ajeer-267	260	3	other	other	ADJ
ajeer-267	260	4	hand	hand	NOUN
ajeer-267	260	5	,	,	PUNCT
ajeer-267	260	6	banks	bank	NOUN
ajeer-267	260	7	need	need	VERB
ajeer-267	260	8	to	to	PART
ajeer-267	260	9	understand	understand	VERB
ajeer-267	260	10	the	the	DET
ajeer-267	260	11	production	production	NOUN
ajeer-267	260	12	activities	activity	NOUN
ajeer-267	260	13	of	of	ADP
ajeer-267	260	14	each	each	PRON
ajeer-267	260	15	of	of	ADP
ajeer-267	260	16	their	their	PRON
ajeer-267	260	17	customers	customer	NOUN
ajeer-267	260	18	,	,	PUNCT
ajeer-267	260	19	especially	especially	ADV
ajeer-267	260	20	agriculture	agriculture	NOUN
ajeer-267	260	21	forestry	forestry	NOUN
ajeer-267	260	22	fishery	fishery	NOUN
ajeer-267	260	23	production	production	NOUN
ajeer-267	260	24	because	because	SCONJ
ajeer-267	260	25	each	each	DET
ajeer-267	260	26	type	type	NOUN
ajeer-267	260	27	of	of	ADP
ajeer-267	260	28	production	production	NOUN
ajeer-267	260	29	will	will	AUX
ajeer-267	260	30	affect	affect	VERB
ajeer-267	260	31	the	the	DET
ajeer-267	260	32	process	process	NOUN
ajeer-267	260	33	of	of	ADP
ajeer-267	260	34	loan	loan	NOUN
ajeer-267	260	35	.	.	PUNCT
ajeer-267	261	1	therefore	therefore	ADV
ajeer-267	261	2	,	,	PUNCT
ajeer-267	261	3	expand	expand	VERB
ajeer-267	261	4	credit	credit	NOUN
ajeer-267	261	5	and	and	CCONJ
ajeer-267	261	6	loan	loan	NOUN
ajeer-267	261	7	conditions	condition	NOUN
ajeer-267	261	8	accordingly	accordingly	ADV
ajeer-267	261	9	,	,	PUNCT
ajeer-267	261	10	facilitate	facilitate	VERB
ajeer-267	261	11	borrowers	borrower	NOUN
ajeer-267	261	12	to	to	PART
ajeer-267	261	13	access	access	VERB
ajeer-267	261	14	credit	credit	NOUN
ajeer-267	261	15	and	and	CCONJ
ajeer-267	261	16	pay	pay	VERB
ajeer-267	261	17	interest	interest	NOUN
ajeer-267	261	18	.	.	PUNCT
ajeer-267	262	1	moreover	moreover	ADV
ajeer-267	262	2	,	,	PUNCT
ajeer-267	262	3	although	although	SCONJ
ajeer-267	262	4	collateral	collateral	NOUN
ajeer-267	262	5	is	be	AUX
ajeer-267	262	6	one	one	NUM
ajeer-267	262	7	of	of	ADP
ajeer-267	262	8	the	the	DET
ajeer-267	262	9	lending	lending	NOUN
ajeer-267	262	10	conditions	condition	NOUN
ajeer-267	262	11	,	,	PUNCT
ajeer-267	262	12	banks	bank	NOUN
ajeer-267	262	13	should	should	AUX
ajeer-267	262	14	not	not	PART
ajeer-267	262	15	see	see	VERB
ajeer-267	262	16	collateral	collateral	NOUN
ajeer-267	262	17	as	as	ADP
ajeer-267	262	18	a	a	DET
ajeer-267	262	19	decisive	decisive	ADJ
ajeer-267	262	20	factor	factor	NOUN
ajeer-267	262	21	in	in	ADP
ajeer-267	262	22	lending	lending	NOUN
ajeer-267	262	23	.	.	PUNCT
ajeer-267	263	1	secondly	secondly	ADV
ajeer-267	263	2	,	,	PUNCT
ajeer-267	263	3	deploy	deploy	VERB
ajeer-267	263	4	lending	lending	NOUN
ajeer-267	263	5	to	to	ADP
ajeer-267	263	6	production	production	NOUN
ajeer-267	263	7	households	household	NOUN
ajeer-267	263	8	through	through	ADP
ajeer-267	263	9	mass	mass	ADJ
ajeer-267	263	10	organizations	organization	NOUN
ajeer-267	263	11	.	.	PUNCT
ajeer-267	264	1	banks	bank	NOUN
ajeer-267	264	2	need	need	VERB
ajeer-267	264	3	to	to	PART
ajeer-267	264	4	cooperate	cooperate	VERB
ajeer-267	264	5	with	with	ADP
ajeer-267	264	6	mass	mass	ADJ
ajeer-267	264	7	organizations	organization	NOUN
ajeer-267	264	8	in	in	ADP
ajeer-267	264	9	lending	lending	NOUN
ajeer-267	264	10	activities	activity	NOUN
ajeer-267	264	11	because	because	SCONJ
ajeer-267	264	12	of	of	ADP
ajeer-267	264	13	the	the	DET
ajeer-267	264	14	reduction	reduction	NOUN
ajeer-267	264	15	of	of	ADP
ajeer-267	264	16	human	human	ADJ
ajeer-267	264	17	resource	resource	NOUN
ajeer-267	264	18	costs	cost	NOUN
ajeer-267	264	19	that	that	PRON
ajeer-267	264	20	are	be	AUX
ajeer-267	264	21	often	often	ADV
ajeer-267	264	22	lacking	lack	VERB
ajeer-267	264	23	in	in	ADP
ajeer-267	264	24	asian	asian	ADJ
ajeer-267	264	25	journal	journal	NOUN
ajeer-267	264	26	of	of	ADP
ajeer-267	264	27	economics	economic	NOUN
ajeer-267	264	28	and	and	CCONJ
ajeer-267	264	29	empirical	empirical	ADJ
ajeer-267	264	30	research	research	NOUN
ajeer-267	264	31	,	,	PUNCT
ajeer-267	264	32	2019	2019	NUM
ajeer-267	264	33	,	,	PUNCT
ajeer-267	264	34	6(1	6(1	NUM
ajeer-267	264	35	):	):	PUNCT
ajeer-267	264	36	59	59	NUM
ajeer-267	264	37	-	-	SYM
ajeer-267	264	38	69	69	NUM
ajeer-267	264	39	69	69	NUM
ajeer-267	264	40	©	©	PROPN
ajeer-267	264	41	2019	2019	NUM
ajeer-267	264	42	by	by	ADP
ajeer-267	264	43	the	the	DET
ajeer-267	264	44	authors	author	NOUN
ajeer-267	264	45	;	;	PUNCT
ajeer-267	264	46	licensee	licensee	PROPN
ajeer-267	264	47	asian	asian	ADJ
ajeer-267	264	48	online	online	PROPN
ajeer-267	264	49	journal	journal	PROPN
ajeer-267	264	50	publishing	publishing	NOUN
ajeer-267	264	51	group	group	NOUN
ajeer-267	264	52	rural	rural	ADJ
ajeer-267	264	53	areas	area	NOUN
ajeer-267	264	54	to	to	PART
ajeer-267	264	55	disburse	disburse	VERB
ajeer-267	264	56	and	and	CCONJ
ajeer-267	264	57	monitor	monitor	VERB
ajeer-267	264	58	.	.	PUNCT
ajeer-267	265	1	furthermore	furthermore	ADV
ajeer-267	265	2	,	,	PUNCT
ajeer-267	265	3	mass	mass	ADJ
ajeer-267	265	4	organizations	organization	NOUN
ajeer-267	265	5	hold	hold	VERB
ajeer-267	265	6	get	get	VERB
ajeer-267	265	7	information	information	NOUN
ajeer-267	265	8	about	about	ADP
ajeer-267	265	9	households	household	NOUN
ajeer-267	265	10	and	and	CCONJ
ajeer-267	265	11	can	can	AUX
ajeer-267	265	12	provide	provide	VERB
ajeer-267	265	13	more	more	ADJ
ajeer-267	265	14	information	information	NOUN
ajeer-267	265	15	to	to	PART
ajeer-267	265	16	consult	consult	VERB
ajeer-267	265	17	banks	bank	NOUN
ajeer-267	265	18	in	in	ADP
ajeer-267	265	19	loan	loan	NOUN
ajeer-267	265	20	profile	profile	NOUN
ajeer-267	265	21	reviews	review	NOUN
ajeer-267	265	22	.	.	PUNCT
ajeer-267	266	1	lending	lend	VERB
ajeer-267	266	2	through	through	ADP
ajeer-267	266	3	mass	mass	ADJ
ajeer-267	266	4	organizations	organization	NOUN
ajeer-267	266	5	also	also	ADV
ajeer-267	266	6	contributed	contribute	VERB
ajeer-267	266	7	to	to	ADP
ajeer-267	266	8	improving	improve	VERB
ajeer-267	266	9	the	the	DET
ajeer-267	266	10	knowledge	knowledge	NOUN
ajeer-267	266	11	and	and	CCONJ
ajeer-267	266	12	skills	skill	NOUN
ajeer-267	266	13	of	of	ADP
ajeer-267	266	14	bankers	banker	NOUN
ajeer-267	266	15	in	in	ADP
ajeer-267	266	16	taking	take	VERB
ajeer-267	266	17	care	care	NOUN
ajeer-267	266	18	of	of	ADP
ajeer-267	266	19	borrowers	borrower	NOUN
ajeer-267	266	20	,	,	PUNCT
ajeer-267	266	21	closely	closely	ADV
ajeer-267	266	22	observing	observe	VERB
ajeer-267	266	23	the	the	DET
ajeer-267	266	24	status	status	NOUN
ajeer-267	266	25	of	of	ADP
ajeer-267	266	26	production	production	NOUN
ajeer-267	266	27	and	and	CCONJ
ajeer-267	266	28	business	business	NOUN
ajeer-267	266	29	of	of	ADP
ajeer-267	266	30	farmers	farmer	NOUN
ajeer-267	266	31	as	as	ADV
ajeer-267	266	32	well	well	ADV
ajeer-267	266	33	as	as	ADP
ajeer-267	266	34	propagating	propagate	VERB
ajeer-267	266	35	policies	policy	NOUN
ajeer-267	266	36	,	,	PUNCT
ajeer-267	266	37	credit	credit	NOUN
ajeer-267	266	38	information	information	NOUN
ajeer-267	266	39	for	for	ADP
ajeer-267	266	40	farmers	farmer	NOUN
ajeer-267	266	41	.	.	PUNCT
ajeer-267	267	1	thirdly	thirdly	ADV
ajeer-267	267	2	,	,	PUNCT
ajeer-267	267	3	strengthen	strengthen	VERB
ajeer-267	267	4	the	the	DET
ajeer-267	267	5	promotion	promotion	NOUN
ajeer-267	267	6	of	of	ADP
ajeer-267	267	7	images	image	NOUN
ajeer-267	267	8	and	and	CCONJ
ajeer-267	267	9	brand	brand	NOUN
ajeer-267	267	10	of	of	ADP
ajeer-267	267	11	banks	bank	NOUN
ajeer-267	267	12	.	.	PUNCT
ajeer-267	268	1	in	in	ADP
ajeer-267	268	2	order	order	NOUN
ajeer-267	268	3	to	to	PART
ajeer-267	268	4	improve	improve	VERB
ajeer-267	268	5	access	access	NOUN
ajeer-267	268	6	to	to	ADP
ajeer-267	268	7	bank	bank	NOUN
ajeer-267	268	8	credit	credit	NOUN
ajeer-267	268	9	,	,	PUNCT
ajeer-267	268	10	banks	bank	NOUN
ajeer-267	268	11	need	need	VERB
ajeer-267	268	12	to	to	PART
ajeer-267	268	13	promote	promote	VERB
ajeer-267	268	14	communication	communication	NOUN
ajeer-267	268	15	activities	activity	NOUN
ajeer-267	268	16	for	for	ADP
ajeer-267	268	17	rural	rural	ADJ
ajeer-267	268	18	households	household	NOUN
ajeer-267	268	19	.	.	PUNCT
ajeer-267	269	1	5.3	5.3	NUM
ajeer-267	269	2	.	.	PUNCT
ajeer-267	269	3	government	government	NOUN
ajeer-267	269	4	firstly	firstly	ADV
ajeer-267	269	5	,	,	PUNCT
ajeer-267	269	6	promoting	promote	VERB
ajeer-267	269	7	the	the	DET
ajeer-267	269	8	implementation	implementation	NOUN
ajeer-267	269	9	of	of	ADP
ajeer-267	269	10	credit	credit	NOUN
ajeer-267	269	11	policies	policy	NOUN
ajeer-267	269	12	for	for	ADP
ajeer-267	269	13	rural	rural	ADJ
ajeer-267	269	14	area	area	NOUN
ajeer-267	269	15	development	development	NOUN
ajeer-267	269	16	.	.	PUNCT
ajeer-267	270	1	the	the	DET
ajeer-267	270	2	government	government	NOUN
ajeer-267	270	3	needs	need	VERB
ajeer-267	270	4	to	to	PART
ajeer-267	270	5	continue	continue	VERB
ajeer-267	270	6	to	to	PART
ajeer-267	270	7	adjust	adjust	VERB
ajeer-267	270	8	the	the	DET
ajeer-267	270	9	loan	loan	NOUN
ajeer-267	270	10	structure	structure	NOUN
ajeer-267	270	11	of	of	ADP
ajeer-267	270	12	commercial	commercial	ADJ
ajeer-267	270	13	banks	bank	NOUN
ajeer-267	270	14	to	to	PART
ajeer-267	270	15	prioritize	prioritize	VERB
ajeer-267	270	16	medium	medium	ADJ
ajeer-267	270	17	and	and	CCONJ
ajeer-267	270	18	long	long	ADJ
ajeer-267	270	19	-	-	PUNCT
ajeer-267	270	20	term	term	NOUN
ajeer-267	270	21	loans	loan	NOUN
ajeer-267	270	22	.	.	PUNCT
ajeer-267	271	1	secondly	secondly	ADV
ajeer-267	271	2	,	,	PUNCT
ajeer-267	271	3	complete	complete	ADJ
ajeer-267	271	4	procedures	procedure	NOUN
ajeer-267	271	5	for	for	ADP
ajeer-267	271	6	granting	grant	VERB
ajeer-267	271	7	land	land	NOUN
ajeer-267	271	8	ownership	ownership	NOUN
ajeer-267	271	9	certificates	certificate	NOUN
ajeer-267	271	10	.	.	PUNCT
ajeer-267	272	1	the	the	DET
ajeer-267	272	2	government	government	NOUN
ajeer-267	272	3	implement	implement	VERB
ajeer-267	272	4	a	a	DET
ajeer-267	272	5	longterm	longterm	ADJ
ajeer-267	272	6	stable	stable	ADJ
ajeer-267	272	7	allocation	allocation	NOUN
ajeer-267	272	8	of	of	ADP
ajeer-267	272	9	land	land	NOUN
ajeer-267	272	10	for	for	ADP
ajeer-267	272	11	rural	rural	ADJ
ajeer-267	272	12	households	household	NOUN
ajeer-267	272	13	,	,	PUNCT
ajeer-267	272	14	and	and	CCONJ
ajeer-267	272	15	accelerate	accelerate	VERB
ajeer-267	272	16	the	the	DET
ajeer-267	272	17	process	process	NOUN
ajeer-267	272	18	of	of	ADP
ajeer-267	272	19	granting	grant	VERB
ajeer-267	272	20	land	land	NOUN
ajeer-267	272	21	ownership	ownership	NOUN
ajeer-267	272	22	certificates	certificate	NOUN
ajeer-267	272	23	so	so	SCONJ
ajeer-267	272	24	that	that	SCONJ
ajeer-267	272	25	farmers	farmer	NOUN
ajeer-267	272	26	could	could	AUX
ajeer-267	272	27	have	have	VERB
ajeer-267	272	28	enough	enough	ADJ
ajeer-267	272	29	assets	asset	NOUN
ajeer-267	272	30	to	to	PART
ajeer-267	272	31	secure	secure	VERB
ajeer-267	272	32	bank	bank	NOUN
ajeer-267	272	33	mortgages	mortgage	NOUN
ajeer-267	272	34	.	.	PUNCT
ajeer-267	273	1	this	this	PRON
ajeer-267	273	2	is	be	AUX
ajeer-267	273	3	one	one	NUM
ajeer-267	273	4	of	of	ADP
ajeer-267	273	5	the	the	DET
ajeer-267	273	6	main	main	ADJ
ajeer-267	273	7	barriers	barrier	NOUN
ajeer-267	273	8	to	to	PART
ajeer-267	273	9	access	access	VERB
ajeer-267	273	10	bank	bank	NOUN
ajeer-267	273	11	credit	credit	NOUN
ajeer-267	273	12	of	of	ADP
ajeer-267	273	13	rural	rural	ADJ
ajeer-267	273	14	households	household	NOUN
ajeer-267	273	15	today	today	NOUN
ajeer-267	273	16	.	.	PUNCT
ajeer-267	274	1	thirdly	thirdly	ADV
ajeer-267	274	2	,	,	PUNCT
ajeer-267	274	3	there	there	PRON
ajeer-267	274	4	are	be	VERB
ajeer-267	274	5	sanctions	sanction	NOUN
ajeer-267	274	6	to	to	PART
ajeer-267	274	7	limit	limit	VERB
ajeer-267	274	8	the	the	DET
ajeer-267	274	9	forms	form	NOUN
ajeer-267	274	10	of	of	ADP
ajeer-267	274	11	access	access	NOUN
ajeer-267	274	12	to	to	ADP
ajeer-267	274	13	black	black	ADJ
ajeer-267	274	14	credit	credit	NOUN
ajeer-267	274	15	,	,	PUNCT
ajeer-267	274	16	high	high	ADJ
ajeer-267	274	17	-	-	PUNCT
ajeer-267	274	18	interest	interest	NOUN
ajeer-267	274	19	loans	loan	NOUN
ajeer-267	274	20	.	.	PUNCT
ajeer-267	275	1	references	reference	NOUN
ajeer-267	275	2	assogba	assogba	PROPN
ajeer-267	275	3	,	,	PUNCT
ajeer-267	275	4	p.n	p.n	PROPN
ajeer-267	275	5	.	.	PROPN
ajeer-267	275	6	,	,	PUNCT
ajeer-267	275	7	s.e.h	s.e.h	PROPN
ajeer-267	275	8	.	.	PROPN
ajeer-267	275	9	kokoye	kokoye	PROPN
ajeer-267	275	10	,	,	PUNCT
ajeer-267	275	11	r.n	r.n	PROPN
ajeer-267	275	12	.	.	PROPN
ajeer-267	275	13	yegbemey	yegbemey	PROPN
ajeer-267	275	14	,	,	PUNCT
ajeer-267	275	15	j.a	j.a	PROPN
ajeer-267	275	16	.	.	PROPN
ajeer-267	275	17	djenontin	djenontin	PROPN
ajeer-267	275	18	,	,	PUNCT
ajeer-267	275	19	z.	z.	PROPN
ajeer-267	275	20	tassou	tassou	PROPN
ajeer-267	275	21	,	,	PUNCT
ajeer-267	275	22	j.	j.	PROPN
ajeer-267	275	23	pardoe	pardoe	PROPN
ajeer-267	275	24	and	and	CCONJ
ajeer-267	275	25	j.a	j.a	PROPN
ajeer-267	275	26	.	.	PROPN
ajeer-267	275	27	yabi	yabi	NOUN
ajeer-267	275	28	,	,	PUNCT
ajeer-267	275	29	2017	2017	NUM
ajeer-267	275	30	.	.	PUNCT
ajeer-267	276	1	determinants	determinant	NOUN
ajeer-267	276	2	of	of	ADP
ajeer-267	276	3	credit	credit	NOUN
ajeer-267	276	4	access	access	NOUN
ajeer-267	276	5	by	by	ADP
ajeer-267	276	6	smallholder	smallholder	NOUN
ajeer-267	276	7	farmers	farmer	NOUN
ajeer-267	276	8	in	in	ADP
ajeer-267	276	9	north	north	NOUN
ajeer-267	276	10	-	-	PUNCT
ajeer-267	276	11	east	east	NOUN
ajeer-267	276	12	benin	benin	PROPN
ajeer-267	276	13	.	.	PUNCT
ajeer-267	277	1	journal	journal	PROPN
ajeer-267	277	2	of	of	ADP
ajeer-267	277	3	development	development	NOUN
ajeer-267	277	4	and	and	CCONJ
ajeer-267	277	5	agricultural	agricultural	ADJ
ajeer-267	277	6	economics	economic	NOUN
ajeer-267	277	7	,	,	PUNCT
ajeer-267	277	8	9(8	9(8	NUM
ajeer-267	277	9	):	):	PUNCT
ajeer-267	277	10	210	210	NUM
ajeer-267	277	11	-	-	SYM
ajeer-267	277	12	216	216	NUM
ajeer-267	277	13	.	.	PUNCT
ajeer-267	278	1	bui	bui	PROPN
ajeer-267	278	2	,	,	PUNCT
ajeer-267	278	3	v.t	v.t	PROPN
ajeer-267	278	4	.	.	PROPN
ajeer-267	278	5	and	and	CCONJ
ajeer-267	278	6	t.p.t	t.p.t	NOUN
ajeer-267	278	7	.	.	PUNCT
ajeer-267	278	8	truong	truong	PROPN
ajeer-267	278	9	,	,	PUNCT
ajeer-267	278	10	2014	2014	NUM
ajeer-267	278	11	.	.	PUNCT
ajeer-267	279	1	analysis	analysis	NOUN
ajeer-267	279	2	of	of	ADP
ajeer-267	279	3	the	the	DET
ajeer-267	279	4	formal	formal	ADJ
ajeer-267	279	5	credit	credit	NOUN
ajeer-267	279	6	capital	capital	NOUN
ajeer-267	279	7	access	access	NOUN
ajeer-267	279	8	:	:	PUNCT
ajeer-267	279	9	the	the	DET
ajeer-267	279	10	case	case	NOUN
ajeer-267	279	11	of	of	ADP
ajeer-267	279	12	shrimp	shrimp	NOUN
ajeer-267	279	13	farmers	farmer	NOUN
ajeer-267	279	14	in	in	ADP
ajeer-267	279	15	tra	tra	PROPN
ajeer-267	279	16	vinh	vinh	PROPN
ajeer-267	279	17	province	province	PROPN
ajeer-267	279	18	.	.	PUNCT
ajeer-267	280	1	science	science	PROPN
ajeer-267	280	2	journal	journal	PROPN
ajeer-267	280	3	of	of	ADP
ajeer-267	280	4	can	can	AUX
ajeer-267	280	5	tho	tho	PROPN
ajeer-267	280	6	university	university	NOUN
ajeer-267	280	7	,	,	PUNCT
ajeer-267	280	8	32	32	NUM
ajeer-267	280	9	:	:	SYM
ajeer-267	280	10	1	1	NUM
ajeer-267	280	11	-	-	SYM
ajeer-267	280	12	6	6	NUM
ajeer-267	280	13	.	.	PUNCT
ajeer-267	281	1	claessens	claessen	NOUN
ajeer-267	281	2	,	,	PUNCT
ajeer-267	281	3	s.	s.	PROPN
ajeer-267	281	4	and	and	CCONJ
ajeer-267	281	5	e.	e.	PROPN
ajeer-267	281	6	feijen	feijen	PROPN
ajeer-267	281	7	,	,	PUNCT
ajeer-267	281	8	2007	2007	NUM
ajeer-267	281	9	.	.	PUNCT
ajeer-267	282	1	financial	financial	ADJ
ajeer-267	282	2	sector	sector	NOUN
ajeer-267	282	3	development	development	NOUN
ajeer-267	282	4	and	and	CCONJ
ajeer-267	282	5	the	the	DET
ajeer-267	282	6	millennium	millennium	NOUN
ajeer-267	282	7	development	development	NOUN
ajeer-267	282	8	goals	goal	NOUN
ajeer-267	282	9	(	(	PUNCT
ajeer-267	282	10	no	no	INTJ
ajeer-267	282	11	.	.	NOUN
ajeer-267	282	12	89	89	NUM
ajeer-267	282	13	)	)	PUNCT
ajeer-267	282	14	.	.	PUNCT
ajeer-267	283	1	world	world	PROPN
ajeer-267	283	2	bank	bank	PROPN
ajeer-267	283	3	publications	publication	NOUN
ajeer-267	283	4	.	.	PUNCT
ajeer-267	284	1	diagne	diagne	PROPN
ajeer-267	284	2	,	,	PUNCT
ajeer-267	284	3	a.	a.	NOUN
ajeer-267	284	4	,	,	PUNCT
ajeer-267	284	5	1999	1999	NUM
ajeer-267	284	6	.	.	PUNCT
ajeer-267	285	1	determinants	determinant	NOUN
ajeer-267	285	2	of	of	ADP
ajeer-267	285	3	household	household	NOUN
ajeer-267	285	4	access	access	NOUN
ajeer-267	285	5	to	to	ADP
ajeer-267	285	6	and	and	CCONJ
ajeer-267	285	7	participation	participation	NOUN
ajeer-267	285	8	in	in	ADP
ajeer-267	285	9	formal	formal	ADJ
ajeer-267	285	10	and	and	CCONJ
ajeer-267	285	11	informal	informal	ADJ
ajeer-267	285	12	credit	credit	NOUN
ajeer-267	285	13	markets	market	NOUN
ajeer-267	285	14	in	in	ADP
ajeer-267	285	15	malawi	malawi	PROPN
ajeer-267	285	16	.	.	PUNCT
ajeer-267	286	1	fcnd	fcnd	PROPN
ajeer-267	286	2	discussion	discussion	NOUN
ajeer-267	286	3	paper	paper	NOUN
ajeer-267	286	4	no	no	NOUN
ajeer-267	286	5	.	.	PROPN
ajeer-267	286	6	67	67	NUM
ajeer-267	286	7	.	.	PUNCT
ajeer-267	287	1	dinh	dinh	PROPN
ajeer-267	287	2	,	,	PUNCT
ajeer-267	287	3	p.h	p.h	PROPN
ajeer-267	287	4	.	.	PROPN
ajeer-267	287	5	and	and	CCONJ
ajeer-267	287	6	d.	d.	PROPN
ajeer-267	287	7	dong	dong	PROPN
ajeer-267	287	8	,	,	PUNCT
ajeer-267	287	9	2015	2015	NUM
ajeer-267	287	10	.	.	PUNCT
ajeer-267	288	1	the	the	DET
ajeer-267	288	2	impact	impact	NOUN
ajeer-267	288	3	of	of	ADP
ajeer-267	288	4	formal	formal	ADJ
ajeer-267	288	5	credit	credit	NOUN
ajeer-267	288	6	on	on	ADP
ajeer-267	288	7	household	household	NOUN
ajeer-267	288	8	incomes	income	NOUN
ajeer-267	288	9	in	in	ADP
ajeer-267	288	10	vietnam	vietnam	PROPN
ajeer-267	288	11	.	.	PUNCT
ajeer-267	288	12	journal	journal	PROPN
ajeer-267	288	13	of	of	ADP
ajeer-267	288	14	economic	economic	ADJ
ajeer-267	288	15	development	development	NOUN
ajeer-267	288	16	,	,	PUNCT
ajeer-267	288	17	26(2	26(2	NUM
ajeer-267	288	18	):	):	PUNCT
ajeer-267	288	19	6582	6582	NUM
ajeer-267	288	20	.	.	PUNCT
ajeer-267	289	1	duy	duy	PROPN
ajeer-267	289	2	,	,	PUNCT
ajeer-267	289	3	v.q	v.q	PROPN
ajeer-267	289	4	.	.	PROPN
ajeer-267	289	5	,	,	PUNCT
ajeer-267	289	6	m.	m.	NOUN
ajeer-267	289	7	d’haese	d’haese	PROPN
ajeer-267	289	8	,	,	PUNCT
ajeer-267	289	9	j.	j.	PROPN
ajeer-267	289	10	lemba	lemba	PROPN
ajeer-267	289	11	and	and	CCONJ
ajeer-267	289	12	l.	l.	PROPN
ajeer-267	289	13	d’haese	d’haese	PROPN
ajeer-267	289	14	,	,	PUNCT
ajeer-267	289	15	2012	2012	NUM
ajeer-267	289	16	.	.	PUNCT
ajeer-267	290	1	determinants	determinant	NOUN
ajeer-267	290	2	of	of	ADP
ajeer-267	290	3	household	household	NOUN
ajeer-267	290	4	access	access	NOUN
ajeer-267	290	5	to	to	ADP
ajeer-267	290	6	formal	formal	ADJ
ajeer-267	290	7	credit	credit	NOUN
ajeer-267	290	8	in	in	ADP
ajeer-267	290	9	the	the	DET
ajeer-267	290	10	rural	rural	ADJ
ajeer-267	290	11	areas	area	NOUN
ajeer-267	290	12	of	of	ADP
ajeer-267	290	13	the	the	DET
ajeer-267	290	14	mekong	mekong	PROPN
ajeer-267	290	15	delta	delta	PROPN
ajeer-267	290	16	,	,	PUNCT
ajeer-267	290	17	vietnam	vietnam	PROPN
ajeer-267	290	18	.	.	PUNCT
ajeer-267	291	1	african	african	ADJ
ajeer-267	291	2	and	and	CCONJ
ajeer-267	291	3	asian	asian	ADJ
ajeer-267	291	4	studies	study	NOUN
ajeer-267	291	5	,	,	PUNCT
ajeer-267	291	6	11(3	11(3	NUM
ajeer-267	291	7	):	):	PUNCT
ajeer-267	291	8	261-287.available	261-287.available	NUM
ajeer-267	291	9	at	at	ADP
ajeer-267	291	10	:	:	PUNCT
ajeer-267	291	11	https://doi.org/10.1163/15692108-12341234	https://doi.org/10.1163/15692108-12341234	PROPN
ajeer-267	291	12	.	.	PUNCT
ajeer-267	291	13	economic	economic	ADJ
ajeer-267	291	14	and	and	CCONJ
ajeer-267	291	15	development	development	NOUN
ajeer-267	291	16	group	group	NOUN
ajeer-267	291	17	,	,	PUNCT
ajeer-267	291	18	2010	2010	NUM
ajeer-267	291	19	.	.	PUNCT
ajeer-267	292	1	the	the	DET
ajeer-267	292	2	availability	availability	NOUN
ajeer-267	292	3	and	and	CCONJ
ajeer-267	292	4	effectiveness	effectiveness	NOUN
ajeer-267	292	5	of	of	ADP
ajeer-267	292	6	rural	rural	ADJ
ajeer-267	292	7	credit	credit	NOUN
ajeer-267	292	8	in	in	ADP
ajeer-267	292	9	vietnam	vietnam	PROPN
ajeer-267	292	10	:	:	PUNCT
ajeer-267	292	11	investigation	investigation	NOUN
ajeer-267	292	12	evidence	evidence	NOUN
ajeer-267	292	13	access	access	NOUN
ajeer-267	292	14	to	to	ADP
ajeer-267	292	15	household	household	NOUN
ajeer-267	292	16	resources	resource	NOUN
ajeer-267	292	17	in	in	ADP
ajeer-267	292	18	vietnam	vietnam	PROPN
ajeer-267	292	19	2006	2006	NUM
ajeer-267	292	20	-	-	SYM
ajeer-267	292	21	2008	2008	NUM
ajeer-267	292	22	-	-	SYM
ajeer-267	292	23	2010	2010	NUM
ajeer-267	292	24	.	.	PUNCT
ajeer-267	293	1	copenhagen	copenhagen	PROPN
ajeer-267	293	2	university	university	PROPN
ajeer-267	293	3	(	(	PUNCT
ajeer-267	293	4	uoc	uoc	PROPN
ajeer-267	293	5	)	)	PUNCT
ajeer-267	293	6	agriculture	agriculture	NOUN
ajeer-267	293	7	and	and	CCONJ
ajeer-267	293	8	rural	rural	ADJ
ajeer-267	293	9	development	development	NOUN
ajeer-267	293	10	program	program	NOUN
ajeer-267	293	11	(	(	PUNCT
ajeer-267	293	12	ard	ard	PROPN
ajeer-267	293	13	)	)	PUNCT
ajeer-267	293	14	.	.	PUNCT
ajeer-267	294	1	heckman	heckman	PROPN
ajeer-267	294	2	,	,	PUNCT
ajeer-267	294	3	j.j	j.j	PROPN
ajeer-267	294	4	.	.	PROPN
ajeer-267	294	5	,	,	PUNCT
ajeer-267	294	6	1979	1979	NUM
ajeer-267	294	7	.	.	PUNCT
ajeer-267	295	1	sample	sample	NOUN
ajeer-267	295	2	selection	selection	NOUN
ajeer-267	295	3	bias	bias	NOUN
ajeer-267	295	4	as	as	ADP
ajeer-267	295	5	a	a	DET
ajeer-267	295	6	specification	specification	NOUN
ajeer-267	295	7	error	error	NOUN
ajeer-267	295	8	.	.	PUNCT
ajeer-267	296	1	econometrica	econometrica	PROPN
ajeer-267	296	2	:	:	PUNCT
ajeer-267	296	3	journal	journal	NOUN
ajeer-267	296	4	of	of	ADP
ajeer-267	296	5	the	the	DET
ajeer-267	296	6	econometric	econometric	ADJ
ajeer-267	296	7	society	society	NOUN
ajeer-267	296	8	,	,	PUNCT
ajeer-267	296	9	47(1	47(1	NUM
ajeer-267	296	10	):	):	PUNCT
ajeer-267	296	11	153161.available	153161.available	ADJ
ajeer-267	296	12	at	at	ADP
ajeer-267	296	13	:	:	PUNCT
ajeer-267	296	14	https://doi.org/10.2307/1912352	https://doi.org/10.2307/1912352	PROPN
ajeer-267	296	15	.	.	PROPN
ajeer-267	296	16	kiplimo	kiplimo	PROPN
ajeer-267	296	17	,	,	PUNCT
ajeer-267	296	18	j.c	j.c	PROPN
ajeer-267	296	19	.	.	PROPN
ajeer-267	296	20	,	,	PUNCT
ajeer-267	296	21	e.	e.	PROPN
ajeer-267	296	22	ngenoh	ngenoh	PROPN
ajeer-267	296	23	,	,	PUNCT
ajeer-267	296	24	w.	w.	PROPN
ajeer-267	296	25	koech	koech	PROPN
ajeer-267	296	26	and	and	CCONJ
ajeer-267	296	27	j.k	j.k	PROPN
ajeer-267	296	28	.	.	PROPN
ajeer-267	296	29	bett	bett	PROPN
ajeer-267	296	30	,	,	PUNCT
ajeer-267	296	31	2015	2015	NUM
ajeer-267	296	32	.	.	PUNCT
ajeer-267	297	1	determinants	determinant	NOUN
ajeer-267	297	2	of	of	ADP
ajeer-267	297	3	access	access	NOUN
ajeer-267	297	4	to	to	ADP
ajeer-267	297	5	credit	credit	NOUN
ajeer-267	297	6	financial	financial	ADJ
ajeer-267	297	7	services	service	NOUN
ajeer-267	297	8	by	by	ADP
ajeer-267	297	9	smallholder	smallholder	NOUN
ajeer-267	297	10	farmers	farmer	NOUN
ajeer-267	297	11	in	in	ADP
ajeer-267	297	12	kenya	kenya	PROPN
ajeer-267	297	13	.	.	PUNCT
ajeer-267	298	1	journal	journal	PROPN
ajeer-267	298	2	of	of	ADP
ajeer-267	298	3	development	development	NOUN
ajeer-267	298	4	and	and	CCONJ
ajeer-267	298	5	agricultural	agricultural	ADJ
ajeer-267	298	6	economics	economic	NOUN
ajeer-267	298	7	,	,	PUNCT
ajeer-267	298	8	7(9	7(9	NUM
ajeer-267	298	9	):	):	PUNCT
ajeer-267	298	10	303	303	NUM
ajeer-267	298	11	-	-	SYM
ajeer-267	298	12	313	313	NUM
ajeer-267	298	13	.	.	PUNCT
ajeer-267	299	1	mwangi	mwangi	PROPN
ajeer-267	299	2	,	,	PUNCT
ajeer-267	299	3	i.w	i.w	PROPN
ajeer-267	299	4	.	.	PROPN
ajeer-267	299	5	and	and	CCONJ
ajeer-267	299	6	m.m	m.m	PROPN
ajeer-267	299	7	.	.	PROPN
ajeer-267	299	8	sichei	sichei	PROPN
ajeer-267	299	9	,	,	PUNCT
ajeer-267	299	10	2011	2011	NUM
ajeer-267	299	11	.	.	PUNCT
ajeer-267	300	1	determinants	determinant	NOUN
ajeer-267	300	2	of	of	ADP
ajeer-267	300	3	access	access	NOUN
ajeer-267	300	4	to	to	ADP
ajeer-267	300	5	credit	credit	NOUN
ajeer-267	300	6	by	by	ADP
ajeer-267	300	7	individuals	individual	NOUN
ajeer-267	300	8	in	in	ADP
ajeer-267	300	9	kenya	kenya	PROPN
ajeer-267	300	10	:	:	PUNCT
ajeer-267	300	11	a	a	DET
ajeer-267	300	12	comparative	comparative	ADJ
ajeer-267	300	13	analysis	analysis	NOUN
ajeer-267	300	14	of	of	ADP
ajeer-267	300	15	the	the	DET
ajeer-267	300	16	kenya	kenya	PROPN
ajeer-267	300	17	national	national	PROPN
ajeer-267	300	18	finaccess	finaccess	NOUN
ajeer-267	300	19	surveys	survey	NOUN
ajeer-267	300	20	of	of	ADP
ajeer-267	300	21	2006	2006	NUM
ajeer-267	300	22	and	and	CCONJ
ajeer-267	300	23	2009	2009	NUM
ajeer-267	300	24	.	.	PUNCT
ajeer-267	301	1	european	european	PROPN
ajeer-267	301	2	journal	journal	PROPN
ajeer-267	301	3	of	of	ADP
ajeer-267	301	4	business	business	NOUN
ajeer-267	301	5	and	and	CCONJ
ajeer-267	301	6	management	management	NOUN
ajeer-267	301	7	,	,	PUNCT
ajeer-267	301	8	3(3	3(3	NUM
ajeer-267	301	9	):	):	PUNCT
ajeer-267	301	10	206	206	NUM
ajeer-267	301	11	-	-	SYM
ajeer-267	301	12	227	227	NUM
ajeer-267	301	13	.	.	PUNCT
ajeer-267	302	1	nguyen	nguyen	PROPN
ajeer-267	302	2	,	,	PUNCT
ajeer-267	302	3	c.h	c.h	PROPN
ajeer-267	302	4	.	.	PROPN
ajeer-267	302	5	,	,	PUNCT
ajeer-267	302	6	2007	2007	NUM
ajeer-267	302	7	.	.	PUNCT
ajeer-267	303	1	access	access	NOUN
ajeer-267	303	2	to	to	ADP
ajeer-267	303	3	credit	credit	NOUN
ajeer-267	303	4	and	and	CCONJ
ajeer-267	303	5	borrowing	borrow	VERB
ajeer-267	303	6	behaviour	behaviour	NOUN
ajeer-267	303	7	of	of	ADP
ajeer-267	303	8	rural	rural	ADJ
ajeer-267	303	9	households	household	NOUN
ajeer-267	303	10	in	in	ADP
ajeer-267	303	11	a	a	DET
ajeer-267	303	12	transition	transition	NOUN
ajeer-267	303	13	economy	economy	NOUN
ajeer-267	303	14	.	.	PUNCT
ajeer-267	304	1	[	[	X
ajeer-267	304	2	accessed	access	VERB
ajeer-267	304	3	august	august	PROPN
ajeer-267	304	4	,	,	PUNCT
ajeer-267	304	5	23	23	NUM
ajeer-267	304	6	,	,	PUNCT
ajeer-267	304	7	2013	2013	NUM
ajeer-267	304	8	]	]	PUNCT
ajeer-267	304	9	.	.	PUNCT
ajeer-267	305	1	nguyen	nguyen	NOUN
ajeer-267	305	2	,	,	PUNCT
ajeer-267	305	3	q.o	q.o	PROPN
ajeer-267	305	4	.	.	PROPN
ajeer-267	305	5	and	and	CCONJ
ajeer-267	305	6	t.m.d	t.m.d	PROPN
ajeer-267	305	7	.	.	PUNCT
ajeer-267	306	1	pham	pham	PROPN
ajeer-267	306	2	,	,	PUNCT
ajeer-267	306	3	2010	2010	NUM
ajeer-267	306	4	.	.	PUNCT
ajeer-267	307	1	the	the	DET
ajeer-267	307	2	ability	ability	NOUN
ajeer-267	307	3	of	of	ADP
ajeer-267	307	4	accessing	access	VERB
ajeer-267	307	5	formal	formal	ADJ
ajeer-267	307	6	credit	credit	NOUN
ajeer-267	307	7	of	of	ADP
ajeer-267	307	8	farmers	farmer	NOUN
ajeer-267	307	9	:	:	PUNCT
ajeer-267	307	10	a	a	DET
ajeer-267	307	11	case	case	NOUN
ajeer-267	307	12	study	study	NOUN
ajeer-267	307	13	in	in	ADP
ajeer-267	307	14	suburban	suburban	ADJ
ajeer-267	307	15	areas	area	NOUN
ajeer-267	307	16	of	of	ADP
ajeer-267	307	17	hanoi	hanoi	PROPN
ajeer-267	307	18	.	.	PUNCT
ajeer-267	308	1	journal	journal	PROPN
ajeer-267	308	2	of	of	ADP
ajeer-267	308	3	science	science	NOUN
ajeer-267	308	4	and	and	CCONJ
ajeer-267	308	5	development	development	NOUN
ajeer-267	308	6	,	,	PUNCT
ajeer-267	308	7	8(1	8(1	NOUN
ajeer-267	308	8	):	):	PUNCT
ajeer-267	308	9	170	170	NUM
ajeer-267	308	10	-	-	SYM
ajeer-267	308	11	177	177	NUM
ajeer-267	308	12	.	.	PUNCT
ajeer-267	309	1	nguyen	nguyen	NOUN
ajeer-267	309	2	,	,	PUNCT
ajeer-267	309	3	v.v.a	v.v.a	PROPN
ajeer-267	309	4	.	.	PUNCT
ajeer-267	309	5	,	,	PUNCT
ajeer-267	309	6	l.t	l.t	PROPN
ajeer-267	309	7	.	.	PROPN
ajeer-267	309	8	hieu	hieu	PROPN
ajeer-267	309	9	,	,	PUNCT
ajeer-267	309	10	n.t	n.t	PROPN
ajeer-267	309	11	.	.	PROPN
ajeer-267	309	12	bup	bup	PROPN
ajeer-267	309	13	and	and	CCONJ
ajeer-267	309	14	n.t	n.t	PROPN
ajeer-267	309	15	.	.	PROPN
ajeer-267	310	1	an	an	PRON
ajeer-267	310	2	,	,	PUNCT
ajeer-267	310	3	2016	2016	NUM
ajeer-267	310	4	.	.	PUNCT
ajeer-267	311	1	ability	ability	NOUN
ajeer-267	311	2	of	of	ADP
ajeer-267	311	3	accessing	access	VERB
ajeer-267	311	4	formal	formal	ADJ
ajeer-267	311	5	credit	credit	NOUN
ajeer-267	311	6	of	of	ADP
ajeer-267	311	7	tiger	tiger	NOUN
ajeer-267	311	8	shrimp	shrimp	NOUN
ajeer-267	311	9	farmers	farmer	NOUN
ajeer-267	311	10	in	in	ADP
ajeer-267	311	11	cau	cau	PROPN
ajeer-267	311	12	ngang	ngang	PROPN
ajeer-267	311	13	district	district	PROPN
ajeer-267	311	14	,	,	PUNCT
ajeer-267	311	15	tra	tra	PROPN
ajeer-267	311	16	vinh	vinh	PROPN
ajeer-267	311	17	.	.	PUNCT
ajeer-267	312	1	journal	journal	PROPN
ajeer-267	312	2	of	of	ADP
ajeer-267	312	3	economics	economic	NOUN
ajeer-267	312	4	and	and	CCONJ
ajeer-267	312	5	forecasting	forecasting	NOUN
ajeer-267	312	6	,	,	PUNCT
ajeer-267	312	7	2	2	NUM
ajeer-267	312	8	:	:	SYM
ajeer-267	312	9	44	44	NUM
ajeer-267	312	10	-	-	SYM
ajeer-267	312	11	46	46	NUM
ajeer-267	312	12	.	.	PUNCT
ajeer-267	313	1	ololade	ololade	PROPN
ajeer-267	313	2	,	,	PUNCT
ajeer-267	313	3	r.a	r.a	PROPN
ajeer-267	313	4	.	.	PROPN
ajeer-267	313	5	and	and	CCONJ
ajeer-267	313	6	f.i	f.i	PROPN
ajeer-267	313	7	.	.	PROPN
ajeer-267	313	8	olagunju	olagunju	PROPN
ajeer-267	313	9	,	,	PUNCT
ajeer-267	313	10	2013	2013	NUM
ajeer-267	313	11	.	.	PUNCT
ajeer-267	314	1	determinants	determinant	NOUN
ajeer-267	314	2	of	of	ADP
ajeer-267	314	3	access	access	NOUN
ajeer-267	314	4	to	to	ADP
ajeer-267	314	5	credit	credit	NOUN
ajeer-267	314	6	among	among	ADP
ajeer-267	314	7	rural	rural	ADJ
ajeer-267	314	8	farmers	farmer	NOUN
ajeer-267	314	9	in	in	ADP
ajeer-267	314	10	oyo	oyo	NOUN
ajeer-267	314	11	state	state	NOUN
ajeer-267	314	12	,	,	PUNCT
ajeer-267	314	13	nigeria	nigeria	PROPN
ajeer-267	314	14	.	.	PUNCT
ajeer-267	315	1	global	global	ADJ
ajeer-267	315	2	journal	journal	PROPN
ajeer-267	315	3	of	of	ADP
ajeer-267	315	4	science	science	PROPN
ajeer-267	315	5	frontier	frontier	NOUN
ajeer-267	315	6	research	research	NOUN
ajeer-267	315	7	agriculture	agriculture	NOUN
ajeer-267	315	8	and	and	CCONJ
ajeer-267	315	9	veterinary	veterinary	ADJ
ajeer-267	315	10	sciences	science	NOUN
ajeer-267	315	11	,	,	PUNCT
ajeer-267	315	12	13(2	13(2	NUM
ajeer-267	315	13	):	):	PUNCT
ajeer-267	315	14	16	16	NUM
ajeer-267	315	15	-	-	SYM
ajeer-267	315	16	22	22	NUM
ajeer-267	315	17	.	.	PUNCT
ajeer-267	316	1	phan	phan	PROPN
ajeer-267	316	2	,	,	PUNCT
ajeer-267	316	3	d.k	d.k	PROPN
ajeer-267	316	4	.	.	PROPN
ajeer-267	316	5	,	,	PUNCT
ajeer-267	316	6	2013	2013	NUM
ajeer-267	316	7	.	.	PUNCT
ajeer-267	317	1	factors	factor	NOUN
ajeer-267	317	2	affecting	affect	VERB
ajeer-267	317	3	access	access	NOUN
ajeer-267	317	4	to	to	ADP
ajeer-267	317	5	formal	formal	ADJ
ajeer-267	317	6	and	and	CCONJ
ajeer-267	317	7	informal	informal	ADJ
ajeer-267	317	8	credit	credit	NOUN
ajeer-267	317	9	for	for	ADP
ajeer-267	317	10	farm	farm	NOUN
ajeer-267	317	11	households	household	NOUN
ajeer-267	317	12	in	in	ADP
ajeer-267	317	13	the	the	DET
ajeer-267	317	14	mekong	mekong	PROPN
ajeer-267	317	15	delta	delta	NOUN
ajeer-267	317	16	.	.	PUNCT
ajeer-267	318	1	science	science	PROPN
ajeer-267	318	2	journal	journal	PROPN
ajeer-267	318	3	of	of	ADP
ajeer-267	318	4	can	can	AUX
ajeer-267	318	5	tho	tho	PROPN
ajeer-267	318	6	university	university	NOUN
ajeer-267	318	7	,	,	PUNCT
ajeer-267	318	8	28	28	NUM
ajeer-267	318	9	:	:	SYM
ajeer-267	318	10	38	38	NUM
ajeer-267	318	11	-	-	SYM
ajeer-267	318	12	53	53	NUM
ajeer-267	318	13	.	.	PUNCT
ajeer-267	319	1	rajan	rajan	PROPN
ajeer-267	319	2	,	,	PUNCT
ajeer-267	319	3	r.g	r.g	PROPN
ajeer-267	319	4	.	.	PROPN
ajeer-267	319	5	and	and	CCONJ
ajeer-267	319	6	l.	l.	PROPN
ajeer-267	319	7	zingales	zingales	PROPN
ajeer-267	319	8	,	,	PUNCT
ajeer-267	319	9	2003	2003	NUM
ajeer-267	319	10	.	.	PUNCT
ajeer-267	320	1	the	the	DET
ajeer-267	320	2	great	great	ADJ
ajeer-267	320	3	reversals	reversal	NOUN
ajeer-267	320	4	:	:	PUNCT
ajeer-267	320	5	the	the	DET
ajeer-267	320	6	politics	politic	NOUN
ajeer-267	320	7	of	of	ADP
ajeer-267	320	8	financial	financial	ADJ
ajeer-267	320	9	development	development	NOUN
ajeer-267	320	10	in	in	ADP
ajeer-267	320	11	the	the	DET
ajeer-267	320	12	twentieth	twentieth	ADJ
ajeer-267	320	13	century	century	NOUN
ajeer-267	320	14	.	.	PUNCT
ajeer-267	321	1	journal	journal	NOUN
ajeer-267	321	2	of	of	ADP
ajeer-267	321	3	financial	financial	ADJ
ajeer-267	321	4	economics	economic	NOUN
ajeer-267	321	5	,	,	PUNCT
ajeer-267	321	6	69(1	69(1	NUM
ajeer-267	321	7	):	):	PUNCT
ajeer-267	321	8	5-50.available	5-50.available	NUM
ajeer-267	321	9	at	at	ADP
ajeer-267	321	10	:	:	PUNCT
ajeer-267	321	11	https://doi.org/10.1016/s0304-405x(03)00125-9	https://doi.org/10.1016/s0304-405x(03)00125-9	NOUN
ajeer-267	321	12	.	.	PUNCT
ajeer-267	322	1	roodman	roodman	PROPN
ajeer-267	322	2	,	,	PUNCT
ajeer-267	322	3	d.	d.	PROPN
ajeer-267	322	4	,	,	PUNCT
ajeer-267	322	5	2009	2009	NUM
ajeer-267	322	6	.	.	PUNCT
ajeer-267	323	1	cmp	cmp	NOUN
ajeer-267	323	2	:	:	PUNCT
ajeer-267	323	3	stata	stata	PROPN
ajeer-267	323	4	module	module	NOUN
ajeer-267	323	5	to	to	PART
ajeer-267	323	6	implement	implement	VERB
ajeer-267	323	7	conditional	conditional	ADJ
ajeer-267	323	8	(	(	PUNCT
ajeer-267	323	9	recursive	recursive	ADJ
ajeer-267	323	10	)	)	PUNCT
ajeer-267	323	11	mixed	mixed	ADJ
ajeer-267	323	12	process	process	NOUN
ajeer-267	323	13	estimator	estimator	NOUN
ajeer-267	323	14	.	.	PUNCT
ajeer-267	324	1	statistical	statistical	ADJ
ajeer-267	324	2	software	software	NOUN
ajeer-267	324	3	components	component	NOUN
ajeer-267	324	4	s456882	s456882	PROPN
ajeer-267	324	5	,	,	PUNCT
ajeer-267	324	6	boston	boston	PROPN
ajeer-267	324	7	college	college	PROPN
ajeer-267	324	8	department	department	PROPN
ajeer-267	324	9	of	of	ADP
ajeer-267	324	10	economics	economic	NOUN
ajeer-267	324	11	.	.	PUNCT
ajeer-267	325	1	stiglitz	stiglitz	PROPN
ajeer-267	325	2	,	,	PUNCT
ajeer-267	325	3	j.e	j.e	PROPN
ajeer-267	325	4	.	.	PROPN
ajeer-267	325	5	and	and	CCONJ
ajeer-267	325	6	a.	a.	NOUN
ajeer-267	325	7	weiss	weiss	PROPN
ajeer-267	325	8	,	,	PUNCT
ajeer-267	325	9	1981	1981	NUM
ajeer-267	325	10	.	.	PUNCT
ajeer-267	326	1	credit	credit	NOUN
ajeer-267	326	2	rationing	ration	VERB
ajeer-267	326	3	in	in	ADP
ajeer-267	326	4	markets	market	NOUN
ajeer-267	326	5	with	with	ADP
ajeer-267	326	6	imperfect	imperfect	ADJ
ajeer-267	326	7	information	information	NOUN
ajeer-267	326	8	.	.	PUNCT
ajeer-267	327	1	the	the	DET
ajeer-267	327	2	american	american	PROPN
ajeer-267	327	3	economic	economic	PROPN
ajeer-267	327	4	review	review	PROPN
ajeer-267	327	5	,	,	PUNCT
ajeer-267	327	6	71(3	71(3	NUM
ajeer-267	327	7	):	):	PUNCT
ajeer-267	327	8	393	393	NUM
ajeer-267	327	9	-	-	SYM
ajeer-267	327	10	410	410	NUM
ajeer-267	327	11	.	.	PUNCT
ajeer-267	328	1	tran	tran	PROPN
ajeer-267	328	2	,	,	PUNCT
ajeer-267	328	3	a.k	a.k	PROPN
ajeer-267	328	4	.	.	PROPN
ajeer-267	328	5	and	and	CCONJ
ajeer-267	328	6	t.t	t.t	PROPN
ajeer-267	328	7	.	.	PROPN
ajeer-267	328	8	huynh	huynh	PROPN
ajeer-267	328	9	,	,	PUNCT
ajeer-267	328	10	2013	2013	NUM
ajeer-267	328	11	.	.	PUNCT
ajeer-267	329	1	factors	factor	NOUN
ajeer-267	329	2	affecting	affect	VERB
ajeer-267	329	3	the	the	DET
ajeer-267	329	4	access	access	NOUN
ajeer-267	329	5	to	to	ADP
ajeer-267	329	6	formal	formal	ADJ
ajeer-267	329	7	credit	credit	NOUN
ajeer-267	329	8	by	by	ADP
ajeer-267	329	9	households	household	NOUN
ajeer-267	329	10	in	in	ADP
ajeer-267	329	11	an	an	DET
ajeer-267	329	12	giang	giang	PROPN
ajeer-267	329	13	province	province	PROPN
ajeer-267	329	14	.	.	PUNCT
ajeer-267	330	1	science	science	PROPN
ajeer-267	330	2	journal	journal	PROPN
ajeer-267	330	3	of	of	ADP
ajeer-267	330	4	can	can	AUX
ajeer-267	330	5	tho	tho	PROPN
ajeer-267	330	6	university	university	NOUN
ajeer-267	330	7	,	,	PUNCT
ajeer-267	330	8	27	27	NUM
ajeer-267	330	9	:	:	SYM
ajeer-267	330	10	17	17	NUM
ajeer-267	330	11	-	-	SYM
ajeer-267	330	12	24	24	NUM
ajeer-267	330	13	.	.	PUNCT
ajeer-267	331	1	vuong	vuong	PROPN
ajeer-267	331	2	,	,	PUNCT
ajeer-267	331	3	q.d	q.d	PROPN
ajeer-267	331	4	.	.	PROPN
ajeer-267	331	5	and	and	CCONJ
ajeer-267	331	6	h.t	h.t	PROPN
ajeer-267	331	7	.	.	PROPN
ajeer-267	331	8	dang	dang	PROPN
ajeer-267	331	9	,	,	PUNCT
ajeer-267	331	10	2015	2015	NUM
ajeer-267	331	11	.	.	PUNCT
ajeer-267	332	1	analysis	analysis	NOUN
ajeer-267	332	2	of	of	ADP
ajeer-267	332	3	factors	factor	NOUN
ajeer-267	332	4	affecting	affect	VERB
ajeer-267	332	5	pig	pig	NOUN
ajeer-267	332	6	farmers	farmer	NOUN
ajeer-267	332	7	'	'	PART
ajeer-267	332	8	ability	ability	NOUN
ajeer-267	332	9	to	to	PART
ajeer-267	332	10	access	access	VERB
ajeer-267	332	11	official	official	ADJ
ajeer-267	332	12	credit	credit	NOUN
ajeer-267	332	13	in	in	ADP
ajeer-267	332	14	o	o	PROPN
ajeer-267	332	15	mon	mon	NOUN
ajeer-267	332	16	and	and	CCONJ
ajeer-267	332	17	can	can	AUX
ajeer-267	332	18	tho	tho	PRON
ajeer-267	332	19	districts	district	NOUN
ajeer-267	332	20	.	.	PUNCT
ajeer-267	333	1	science	science	NOUN
ajeer-267	333	2	journal	journal	PROPN
ajeer-267	333	3	of	of	ADP
ajeer-267	333	4	can	can	AUX
ajeer-267	333	5	tho	tho	PROPN
ajeer-267	333	6	university	university	NOUN
ajeer-267	333	7	,	,	PUNCT
ajeer-267	333	8	36	36	NUM
ajeer-267	333	9	:	:	SYM
ajeer-267	333	10	42	42	NUM
ajeer-267	333	11	-	-	SYM
ajeer-267	333	12	51	51	NUM
ajeer-267	333	13	.	.	PUNCT
ajeer-267	334	1	asian	asian	ADJ
ajeer-267	334	2	online	online	PROPN
ajeer-267	334	3	journal	journal	PROPN
ajeer-267	334	4	publishing	publishing	NOUN
ajeer-267	334	5	group	group	NOUN
ajeer-267	334	6	is	be	AUX
ajeer-267	334	7	not	not	PART
ajeer-267	334	8	responsible	responsible	ADJ
ajeer-267	334	9	or	or	CCONJ
ajeer-267	334	10	answerable	answerable	ADJ
ajeer-267	334	11	for	for	ADP
ajeer-267	334	12	any	any	DET
ajeer-267	334	13	loss	loss	NOUN
ajeer-267	334	14	,	,	PUNCT
ajeer-267	334	15	damage	damage	NOUN
ajeer-267	334	16	or	or	CCONJ
ajeer-267	334	17	liability	liability	NOUN
ajeer-267	334	18	,	,	PUNCT
ajeer-267	334	19	etc	etc	X
ajeer-267	334	20	.	.	X
ajeer-267	334	21	caused	cause	VERB
ajeer-267	334	22	in	in	ADP
ajeer-267	334	23	relation	relation	NOUN
ajeer-267	334	24	to	to	PART
ajeer-267	334	25	/	/	PUNCT
ajeer-267	334	26	arising	arise	VERB
ajeer-267	334	27	out	out	ADP
ajeer-267	334	28	of	of	ADP
ajeer-267	334	29	the	the	DET
ajeer-267	334	30	use	use	NOUN
ajeer-267	334	31	of	of	ADP
ajeer-267	334	32	the	the	DET
ajeer-267	334	33	content	content	NOUN
ajeer-267	334	34	.	.	PUNCT
ajeer-267	335	1	any	any	DET
ajeer-267	335	2	queries	query	NOUN
ajeer-267	335	3	should	should	AUX
ajeer-267	335	4	be	be	AUX
ajeer-267	335	5	directed	direct	VERB
ajeer-267	335	6	to	to	ADP
ajeer-267	335	7	the	the	DET
ajeer-267	335	8	corresponding	corresponding	ADJ
ajeer-267	335	9	author	author	NOUN
ajeer-267	335	10	of	of	ADP
ajeer-267	335	11	the	the	DET
ajeer-267	335	12	article	article	NOUN
ajeer-267	335	13	.	.	PUNCT