id	sid	tid	token	lemma	pos
ajeer-4146	1	1	121	121	NUM
ajeer-4146	1	2	©	©	PROPN
ajeer-4146	1	3	2022	2022	NUM
ajeer-4146	1	4	by	by	ADP
ajeer-4146	1	5	the	the	DET
ajeer-4146	1	6	authors	author	NOUN
ajeer-4146	1	7	;	;	PUNCT
ajeer-4146	1	8	licensee	licensee	PROPN
ajeer-4146	1	9	asian	asian	ADJ
ajeer-4146	1	10	online	online	PROPN
ajeer-4146	1	11	journal	journal	PROPN
ajeer-4146	1	12	publishing	publishing	PROPN
ajeer-4146	1	13	group	group	PROPN
ajeer-4146	1	14	asian	asian	PROPN
ajeer-4146	1	15	journal	journal	PROPN
ajeer-4146	1	16	of	of	ADP
ajeer-4146	1	17	economics	economic	NOUN
ajeer-4146	1	18	and	and	CCONJ
ajeer-4146	1	19	empirical	empirical	ADJ
ajeer-4146	1	20	research	research	NOUN
ajeer-4146	1	21	vol	vol	NOUN
ajeer-4146	1	22	.	.	PUNCT
ajeer-4146	2	1	9	9	NUM
ajeer-4146	2	2	,	,	PUNCT
ajeer-4146	2	3	no	no	INTJ
ajeer-4146	2	4	.	.	NOUN
ajeer-4146	2	5	2	2	NUM
ajeer-4146	2	6	,	,	PUNCT
ajeer-4146	2	7	121	121	NUM
ajeer-4146	2	8	-	-	SYM
ajeer-4146	2	9	131	131	NUM
ajeer-4146	2	10	,	,	PUNCT
ajeer-4146	2	11	2022	2022	NUM
ajeer-4146	2	12	issn(e	issn(e	NOUN
ajeer-4146	2	13	)	)	PUNCT
ajeer-4146	2	14	2409	2409	NUM
ajeer-4146	2	15	-	-	SYM
ajeer-4146	2	16	2622	2622	NUM
ajeer-4146	2	17	/	/	SYM
ajeer-4146	2	18	issn(p	issn(p	PROPN
ajeer-4146	2	19	)	)	PUNCT
ajeer-4146	2	20	2518	2518	NUM
ajeer-4146	2	21	-	-	PUNCT
ajeer-4146	2	22	010x	010x	ADJ
ajeer-4146	2	23	doi	doi	NOUN
ajeer-4146	2	24	:	:	PUNCT
ajeer-4146	2	25	10.20448	10.20448	NUM
ajeer-4146	2	26	/	/	SYM
ajeer-4146	2	27	ajeer.v9i2.4146	ajeer.v9i2.4146	X
ajeer-4146	2	28	©	©	PROPN
ajeer-4146	2	29	2022	2022	NUM
ajeer-4146	2	30	by	by	ADP
ajeer-4146	2	31	the	the	DET
ajeer-4146	2	32	authors	author	NOUN
ajeer-4146	2	33	;	;	PUNCT
ajeer-4146	2	34	licensee	licensee	PROPN
ajeer-4146	2	35	asian	asian	ADJ
ajeer-4146	2	36	online	online	PROPN
ajeer-4146	2	37	journal	journal	PROPN
ajeer-4146	2	38	publishing	publishing	NOUN
ajeer-4146	2	39	group	group	NOUN
ajeer-4146	2	40	financial	financial	ADJ
ajeer-4146	2	41	exclusion	exclusion	NOUN
ajeer-4146	2	42	and	and	CCONJ
ajeer-4146	2	43	poverty	poverty	NOUN
ajeer-4146	2	44	reduction	reduction	NOUN
ajeer-4146	2	45	in	in	ADP
ajeer-4146	2	46	benin	benin	PROPN
ajeer-4146	2	47	medard	medard	NOUN
ajeer-4146	2	48	attoukou1	attoukou1	PROPN
ajeer-4146	2	49	karim	karim	PROPN
ajeer-4146	2	50	nchare2	nchare2	PROPN
ajeer-4146	2	51	(	(	PUNCT
ajeer-4146	2	52			PROPN
ajeer-4146	2	53	corresponding	correspond	VERB
ajeer-4146	2	54	author	author	NOUN
ajeer-4146	2	55	)	)	PUNCT
ajeer-4146	2	56	1,2african	1,2african	NUM
ajeer-4146	2	57	school	school	NOUN
ajeer-4146	2	58	of	of	ADP
ajeer-4146	2	59	economics	economic	NOUN
ajeer-4146	2	60	,	,	PUNCT
ajeer-4146	2	61	benin	benin	PROPN
ajeer-4146	2	62	.	.	PUNCT
ajeer-4146	3	1	1email	1email	NUM
ajeer-4146	3	2	:	:	PUNCT
ajeer-4146	4	1	mattoukou@africanschoolofeconomics.com	mattoukou@africanschoolofeconomics.com	X
ajeer-4146	5	1	2email	2email	NUM
ajeer-4146	5	2	:	:	PUNCT
ajeer-4146	5	3	kfogam@africanschoolofeconomics.com	kfogam@africanschoolofeconomics.com	X
ajeer-4146	6	1	abstract	abstract	ADV
ajeer-4146	6	2	by	by	ADP
ajeer-4146	6	3	analyzing	analyze	VERB
ajeer-4146	6	4	factors	factor	NOUN
ajeer-4146	6	5	related	relate	VERB
ajeer-4146	6	6	to	to	ADP
ajeer-4146	6	7	the	the	DET
ajeer-4146	6	8	various	various	ADJ
ajeer-4146	6	9	constraints	constraint	NOUN
ajeer-4146	6	10	faced	face	VERB
ajeer-4146	6	11	by	by	ADP
ajeer-4146	6	12	unbanked	unbanked	ADJ
ajeer-4146	6	13	individuals	individual	NOUN
ajeer-4146	6	14	,	,	PUNCT
ajeer-4146	6	15	this	this	DET
ajeer-4146	6	16	study	study	NOUN
ajeer-4146	6	17	explores	explore	VERB
ajeer-4146	6	18	the	the	DET
ajeer-4146	6	19	determinants	determinant	NOUN
ajeer-4146	6	20	associated	associate	VERB
ajeer-4146	6	21	with	with	ADP
ajeer-4146	6	22	individuals	individual	NOUN
ajeer-4146	6	23	without	without	ADP
ajeer-4146	6	24	access	access	NOUN
ajeer-4146	6	25	to	to	ADP
ajeer-4146	6	26	common	common	ADJ
ajeer-4146	6	27	financial	financial	ADJ
ajeer-4146	6	28	services	service	NOUN
ajeer-4146	6	29	in	in	ADP
ajeer-4146	6	30	benin	benin	PROPN
ajeer-4146	6	31	.	.	PUNCT
ajeer-4146	7	1	it	it	PRON
ajeer-4146	7	2	also	also	ADV
ajeer-4146	7	3	examines	examine	VERB
ajeer-4146	7	4	the	the	DET
ajeer-4146	7	5	impact	impact	NOUN
ajeer-4146	7	6	of	of	ADP
ajeer-4146	7	7	the	the	DET
ajeer-4146	7	8	lack	lack	NOUN
ajeer-4146	7	9	of	of	ADP
ajeer-4146	7	10	access	access	NOUN
ajeer-4146	7	11	to	to	ADP
ajeer-4146	7	12	financial	financial	ADJ
ajeer-4146	7	13	services	service	NOUN
ajeer-4146	7	14	on	on	ADP
ajeer-4146	7	15	poverty	poverty	NOUN
ajeer-4146	7	16	using	use	VERB
ajeer-4146	7	17	the	the	DET
ajeer-4146	7	18	world	world	PROPN
ajeer-4146	7	19	bank	bank	PROPN
ajeer-4146	7	20	’s	’s	PART
ajeer-4146	7	21	global	global	ADJ
ajeer-4146	7	22	findex	findex	PROPN
ajeer-4146	7	23	database	database	NOUN
ajeer-4146	7	24	for	for	ADP
ajeer-4146	7	25	2011	2011	NUM
ajeer-4146	7	26	,	,	PUNCT
ajeer-4146	7	27	2014	2014	NUM
ajeer-4146	7	28	,	,	PUNCT
ajeer-4146	7	29	and	and	CCONJ
ajeer-4146	7	30	2017	2017	NUM
ajeer-4146	7	31	.	.	PUNCT
ajeer-4146	8	1	using	use	VERB
ajeer-4146	8	2	a	a	DET
ajeer-4146	8	3	probit	probit	NOUN
ajeer-4146	8	4	model	model	NOUN
ajeer-4146	8	5	,	,	PUNCT
ajeer-4146	8	6	we	we	PRON
ajeer-4146	8	7	found	find	VERB
ajeer-4146	8	8	a	a	DET
ajeer-4146	8	9	positive	positive	ADJ
ajeer-4146	8	10	and	and	CCONJ
ajeer-4146	8	11	significant	significant	ADJ
ajeer-4146	8	12	relationship	relationship	NOUN
ajeer-4146	8	13	between	between	ADP
ajeer-4146	8	14	financial	financial	ADJ
ajeer-4146	8	15	exclusion	exclusion	NOUN
ajeer-4146	8	16	and	and	CCONJ
ajeer-4146	8	17	lack	lack	NOUN
ajeer-4146	8	18	of	of	ADP
ajeer-4146	8	19	documentation	documentation	NOUN
ajeer-4146	8	20	,	,	PUNCT
ajeer-4146	8	21	expensive	expensive	ADJ
ajeer-4146	8	22	financial	financial	ADJ
ajeer-4146	8	23	services	service	NOUN
ajeer-4146	8	24	,	,	PUNCT
ajeer-4146	8	25	distance	distance	NOUN
ajeer-4146	8	26	from	from	ADP
ajeer-4146	8	27	financial	financial	ADJ
ajeer-4146	8	28	institutions	institution	NOUN
ajeer-4146	8	29	,	,	PUNCT
ajeer-4146	8	30	and	and	CCONJ
ajeer-4146	8	31	lack	lack	NOUN
ajeer-4146	8	32	of	of	ADP
ajeer-4146	8	33	trust	trust	NOUN
ajeer-4146	8	34	in	in	ADP
ajeer-4146	8	35	financial	financial	ADJ
ajeer-4146	8	36	institutions	institution	NOUN
ajeer-4146	8	37	.	.	PUNCT
ajeer-4146	9	1	moreover	moreover	ADV
ajeer-4146	9	2	,	,	PUNCT
ajeer-4146	9	3	individual	individual	ADJ
ajeer-4146	9	4	characteristics	characteristic	NOUN
ajeer-4146	9	5	,	,	PUNCT
ajeer-4146	9	6	such	such	ADJ
ajeer-4146	9	7	as	as	ADP
ajeer-4146	9	8	age	age	NOUN
ajeer-4146	9	9	,	,	PUNCT
ajeer-4146	9	10	education	education	NOUN
ajeer-4146	9	11	level	level	NOUN
ajeer-4146	9	12	,	,	PUNCT
ajeer-4146	9	13	religion	religion	NOUN
ajeer-4146	9	14	,	,	PUNCT
ajeer-4146	9	15	gender	gender	NOUN
ajeer-4146	9	16	,	,	PUNCT
ajeer-4146	9	17	and	and	CCONJ
ajeer-4146	9	18	employment	employment	NOUN
ajeer-4146	9	19	status	status	NOUN
ajeer-4146	9	20	are	be	AUX
ajeer-4146	9	21	significantly	significantly	ADV
ajeer-4146	9	22	associated	associate	VERB
ajeer-4146	9	23	with	with	ADP
ajeer-4146	9	24	financial	financial	ADJ
ajeer-4146	9	25	exclusion	exclusion	NOUN
ajeer-4146	9	26	.	.	PUNCT
ajeer-4146	10	1	using	use	VERB
ajeer-4146	10	2	a	a	DET
ajeer-4146	10	3	heckman	heckman	PROPN
ajeer-4146	10	4	sample	sample	PROPN
ajeer-4146	10	5	selection	selection	NOUN
ajeer-4146	10	6	model	model	NOUN
ajeer-4146	10	7	,	,	PUNCT
ajeer-4146	10	8	we	we	PRON
ajeer-4146	10	9	show	show	VERB
ajeer-4146	10	10	that	that	SCONJ
ajeer-4146	10	11	financial	financial	ADJ
ajeer-4146	10	12	exclusion	exclusion	NOUN
ajeer-4146	10	13	in	in	ADP
ajeer-4146	10	14	benin	benin	PROPN
ajeer-4146	10	15	has	have	VERB
ajeer-4146	10	16	a	a	DET
ajeer-4146	10	17	positive	positive	ADJ
ajeer-4146	10	18	and	and	CCONJ
ajeer-4146	10	19	significant	significant	ADJ
ajeer-4146	10	20	effect	effect	NOUN
ajeer-4146	10	21	on	on	ADP
ajeer-4146	10	22	poverty	poverty	NOUN
ajeer-4146	10	23	.	.	PUNCT
ajeer-4146	11	1	these	these	DET
ajeer-4146	11	2	results	result	NOUN
ajeer-4146	11	3	are	be	AUX
ajeer-4146	11	4	vindicated	vindicate	VERB
ajeer-4146	11	5	using	use	VERB
ajeer-4146	11	6	propensity	propensity	NOUN
ajeer-4146	11	7	score	score	NOUN
ajeer-4146	11	8	matching	matching	NOUN
ajeer-4146	11	9	(	(	PUNCT
ajeer-4146	11	10	psm	psm	NOUN
ajeer-4146	11	11	)	)	PUNCT
ajeer-4146	11	12	for	for	ADP
ajeer-4146	11	13	robustness	robustness	NOUN
ajeer-4146	11	14	checks	check	NOUN
ajeer-4146	11	15	.	.	PUNCT
ajeer-4146	12	1	keywords	keyword	NOUN
ajeer-4146	12	2	:	:	PUNCT
ajeer-4146	12	3	benin	benin	PROPN
ajeer-4146	12	4	,	,	PUNCT
ajeer-4146	12	5	poverty	poverty	NOUN
ajeer-4146	12	6	,	,	PUNCT
ajeer-4146	12	7	propensity	propensity	NOUN
ajeer-4146	12	8	score	score	NOUN
ajeer-4146	12	9	matching	matching	NOUN
ajeer-4146	12	10	,	,	PUNCT
ajeer-4146	12	11	financial	financial	ADJ
ajeer-4146	12	12	exclusion	exclusion	NOUN
ajeer-4146	12	13	.	.	PUNCT
ajeer-4146	13	1	jel	jel	PROPN
ajeer-4146	13	2	classification	classification	NOUN
ajeer-4146	13	3	:	:	PUNCT
ajeer-4146	13	4	g21	g21	PROPN
ajeer-4146	13	5	;	;	PUNCT
ajeer-4146	13	6	i32	i32	PROPN
ajeer-4146	13	7	;	;	PUNCT
ajeer-4146	13	8	o12	o12	PROPN
ajeer-4146	13	9	.	.	PUNCT
ajeer-4146	14	1	citation	citation	NOUN
ajeer-4146	14	2	|	|	ADV
ajeer-4146	14	3	medard	medard	ADJ
ajeer-4146	14	4	attoukou	attoukou	PROPN
ajeer-4146	14	5	;	;	PUNCT
ajeer-4146	14	6	karim	karim	PROPN
ajeer-4146	14	7	nchare	nchare	PROPN
ajeer-4146	14	8	(	(	PUNCT
ajeer-4146	14	9	2022	2022	NUM
ajeer-4146	14	10	)	)	PUNCT
ajeer-4146	14	11	.	.	PUNCT
ajeer-4146	15	1	financial	financial	ADJ
ajeer-4146	15	2	exclusion	exclusion	NOUN
ajeer-4146	15	3	and	and	CCONJ
ajeer-4146	15	4	poverty	poverty	NOUN
ajeer-4146	15	5	reduction	reduction	NOUN
ajeer-4146	15	6	in	in	ADP
ajeer-4146	15	7	benin	benin	PROPN
ajeer-4146	15	8	.	.	PUNCT
ajeer-4146	16	1	asian	asian	ADJ
ajeer-4146	16	2	journal	journal	PROPN
ajeer-4146	16	3	of	of	ADP
ajeer-4146	16	4	economics	economic	NOUN
ajeer-4146	16	5	and	and	CCONJ
ajeer-4146	16	6	empirical	empirical	ADJ
ajeer-4146	16	7	research	research	NOUN
ajeer-4146	16	8	,	,	PUNCT
ajeer-4146	16	9	9(2	9(2	NUM
ajeer-4146	16	10	):	):	PUNCT
ajeer-4146	16	11	121	121	NUM
ajeer-4146	16	12	-	-	SYM
ajeer-4146	16	13	131	131	NUM
ajeer-4146	16	14	.	.	PUNCT
ajeer-4146	17	1	history	history	NOUN
ajeer-4146	17	2	:	:	PUNCT
ajeer-4146	17	3	received	receive	VERB
ajeer-4146	17	4	:	:	PUNCT
ajeer-4146	17	5	27	27	NUM
ajeer-4146	17	6	june	june	PROPN
ajeer-4146	17	7	2022	2022	NUM
ajeer-4146	17	8	revised	revise	VERB
ajeer-4146	17	9	:	:	PUNCT
ajeer-4146	17	10	15	15	NUM
ajeer-4146	17	11	august	august	PROPN
ajeer-4146	17	12	2022	2022	NUM
ajeer-4146	17	13	accepted	accept	VERB
ajeer-4146	17	14	:	:	PUNCT
ajeer-4146	17	15	30	30	NUM
ajeer-4146	17	16	august	august	PROPN
ajeer-4146	17	17	2022	2022	NUM
ajeer-4146	17	18	published	publish	VERB
ajeer-4146	17	19	:	:	PUNCT
ajeer-4146	17	20	13	13	NUM
ajeer-4146	17	21	september	september	PROPN
ajeer-4146	17	22	2022	2022	NUM
ajeer-4146	17	23	licensed	license	VERB
ajeer-4146	17	24	:	:	PUNCT
ajeer-4146	17	25	this	this	DET
ajeer-4146	17	26	work	work	NOUN
ajeer-4146	17	27	is	be	AUX
ajeer-4146	17	28	licensed	license	VERB
ajeer-4146	17	29	under	under	ADP
ajeer-4146	17	30	a	a	DET
ajeer-4146	17	31	creative	creative	ADJ
ajeer-4146	17	32	commons	common	NOUN
ajeer-4146	17	33	attribution	attribution	NOUN
ajeer-4146	17	34	4.0	4.0	NUM
ajeer-4146	17	35	license	license	NOUN
ajeer-4146	17	36	publisher	publisher	NOUN
ajeer-4146	17	37	:	:	PUNCT
ajeer-4146	17	38	asian	asian	ADJ
ajeer-4146	17	39	online	online	PROPN
ajeer-4146	17	40	journal	journal	PROPN
ajeer-4146	17	41	publishing	publishing	PROPN
ajeer-4146	17	42	group	group	PROPN
ajeer-4146	17	43	funding	funding	NOUN
ajeer-4146	17	44	:	:	PUNCT
ajeer-4146	17	45	this	this	DET
ajeer-4146	17	46	study	study	NOUN
ajeer-4146	17	47	received	receive	VERB
ajeer-4146	17	48	no	no	DET
ajeer-4146	17	49	specific	specific	ADJ
ajeer-4146	17	50	financial	financial	ADJ
ajeer-4146	17	51	support	support	NOUN
ajeer-4146	17	52	.	.	PUNCT
ajeer-4146	18	1	authors	author	NOUN
ajeer-4146	18	2	’	'	PUNCT
ajeer-4146	18	3	contributions	contribution	NOUN
ajeer-4146	18	4	:	:	PUNCT
ajeer-4146	18	5	both	both	DET
ajeer-4146	18	6	authors	author	NOUN
ajeer-4146	18	7	contributed	contribute	VERB
ajeer-4146	18	8	equally	equally	ADV
ajeer-4146	18	9	to	to	ADP
ajeer-4146	18	10	the	the	DET
ajeer-4146	18	11	conception	conception	NOUN
ajeer-4146	18	12	and	and	CCONJ
ajeer-4146	18	13	design	design	NOUN
ajeer-4146	18	14	of	of	ADP
ajeer-4146	18	15	the	the	DET
ajeer-4146	18	16	study	study	NOUN
ajeer-4146	18	17	.	.	PUNCT
ajeer-4146	19	1	competing	compete	VERB
ajeer-4146	19	2	interests	interest	NOUN
ajeer-4146	19	3	:	:	PUNCT
ajeer-4146	19	4	the	the	DET
ajeer-4146	19	5	authors	author	NOUN
ajeer-4146	19	6	declare	declare	VERB
ajeer-4146	19	7	that	that	SCONJ
ajeer-4146	19	8	they	they	PRON
ajeer-4146	19	9	have	have	VERB
ajeer-4146	19	10	no	no	DET
ajeer-4146	19	11	conflict	conflict	NOUN
ajeer-4146	19	12	of	of	ADP
ajeer-4146	19	13	interest	interest	NOUN
ajeer-4146	19	14	.	.	PUNCT
ajeer-4146	20	1	transparency	transparency	NOUN
ajeer-4146	20	2	:	:	PUNCT
ajeer-4146	20	3	the	the	DET
ajeer-4146	20	4	authors	author	NOUN
ajeer-4146	20	5	confirm	confirm	VERB
ajeer-4146	20	6	that	that	SCONJ
ajeer-4146	20	7	the	the	DET
ajeer-4146	20	8	manuscript	manuscript	NOUN
ajeer-4146	20	9	is	be	AUX
ajeer-4146	20	10	an	an	DET
ajeer-4146	20	11	honest	honest	ADJ
ajeer-4146	20	12	,	,	PUNCT
ajeer-4146	20	13	accurate	accurate	ADJ
ajeer-4146	20	14	,	,	PUNCT
ajeer-4146	20	15	and	and	CCONJ
ajeer-4146	20	16	transparent	transparent	ADJ
ajeer-4146	20	17	account	account	NOUN
ajeer-4146	20	18	of	of	ADP
ajeer-4146	20	19	the	the	DET
ajeer-4146	20	20	study	study	NOUN
ajeer-4146	20	21	,	,	PUNCT
ajeer-4146	20	22	that	that	SCONJ
ajeer-4146	20	23	no	no	DET
ajeer-4146	20	24	vital	vital	ADJ
ajeer-4146	20	25	features	feature	NOUN
ajeer-4146	20	26	of	of	ADP
ajeer-4146	20	27	the	the	DET
ajeer-4146	20	28	study	study	NOUN
ajeer-4146	20	29	have	have	AUX
ajeer-4146	20	30	been	be	AUX
ajeer-4146	20	31	omitted	omit	VERB
ajeer-4146	20	32	,	,	PUNCT
ajeer-4146	20	33	and	and	CCONJ
ajeer-4146	20	34	that	that	SCONJ
ajeer-4146	20	35	any	any	DET
ajeer-4146	20	36	discrepancies	discrepancy	NOUN
ajeer-4146	20	37	from	from	ADP
ajeer-4146	20	38	the	the	DET
ajeer-4146	20	39	study	study	NOUN
ajeer-4146	20	40	as	as	SCONJ
ajeer-4146	20	41	planned	plan	VERB
ajeer-4146	20	42	have	have	AUX
ajeer-4146	20	43	been	be	AUX
ajeer-4146	20	44	explained	explain	VERB
ajeer-4146	20	45	.	.	PUNCT
ajeer-4146	21	1	ethical	ethical	ADJ
ajeer-4146	21	2	:	:	PUNCT
ajeer-4146	21	3	this	this	DET
ajeer-4146	21	4	study	study	NOUN
ajeer-4146	21	5	followed	follow	VERB
ajeer-4146	21	6	all	all	DET
ajeer-4146	21	7	ethical	ethical	ADJ
ajeer-4146	21	8	practices	practice	NOUN
ajeer-4146	21	9	during	during	ADP
ajeer-4146	21	10	writing	writing	NOUN
ajeer-4146	21	11	.	.	PUNCT
ajeer-4146	22	1	contents	content	NOUN
ajeer-4146	22	2	1	1	NUM
ajeer-4146	22	3	.	.	PUNCT
ajeer-4146	23	1	introduction	introduction	NOUN
ajeer-4146	23	2	....................................................................................................................................................................................	....................................................................................................................................................................................	VERB
ajeer-4146	23	3	122	122	NUM
ajeer-4146	23	4	2	2	NUM
ajeer-4146	23	5	.	.	PUNCT
ajeer-4146	24	1	data	datum	NOUN
ajeer-4146	24	2	and	and	CCONJ
ajeer-4146	24	3	methodology	methodology	NOUN
ajeer-4146	24	4	.................................................................................................................................................................	.................................................................................................................................................................	PUNCT
ajeer-4146	25	1	122	122	NUM
ajeer-4146	25	2	3	3	NUM
ajeer-4146	25	3	.	.	PUNCT
ajeer-4146	25	4	results	result	NOUN
ajeer-4146	25	5	and	and	CCONJ
ajeer-4146	25	6	discussions	discussion	NOUN
ajeer-4146	25	7	................................................................................................................................................................	................................................................................................................................................................	PUNCT
ajeer-4146	26	1	126	126	NUM
ajeer-4146	26	2	4	4	NUM
ajeer-4146	26	3	.	.	PUNCT
ajeer-4146	26	4	conclusion	conclusion	NOUN
ajeer-4146	26	5	.......................................................................................................................................................................................	.......................................................................................................................................................................................	PUNCT
ajeer-4146	26	6	130	130	NUM
ajeer-4146	26	7	references	reference	NOUN
ajeer-4146	26	8	............................................................................................................................................................................................	............................................................................................................................................................................................	NOUN
ajeer-4146	27	1	130	130	NUM
ajeer-4146	27	2	mailto:mattoukou@africanschoolofeconomics.com	mailto:mattoukou@africanschoolofeconomics.com	X
ajeer-4146	27	3	mailto:kfogam@africanschoolofeconomics.com	mailto:kfogam@africanschoolofeconomics.com	X
ajeer-4146	28	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
ajeer-4146	28	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
ajeer-4146	28	3	https://www.doi.org/10.20448/ajeer.v9i2.4146	https://www.doi.org/10.20448/ajeer.v9i2.4146	PROPN
ajeer-4146	28	4	https://orcid.org/0000-0002-9828-9935	https://orcid.org/0000-0002-9828-9935	PROPN
ajeer-4146	28	5	https://orcid.org/0000-0002-1483-4124	https://orcid.org/0000-0002-1483-4124	PROPN
ajeer-4146	28	6	asian	asian	PROPN
ajeer-4146	28	7	journal	journal	PROPN
ajeer-4146	28	8	of	of	ADP
ajeer-4146	28	9	economics	economic	NOUN
ajeer-4146	28	10	and	and	CCONJ
ajeer-4146	28	11	empirical	empirical	ADJ
ajeer-4146	28	12	research	research	NOUN
ajeer-4146	28	13	,	,	PUNCT
ajeer-4146	28	14	2022	2022	NUM
ajeer-4146	28	15	,	,	PUNCT
ajeer-4146	28	16	9(2	9(2	NUM
ajeer-4146	28	17	):	):	PUNCT
ajeer-4146	28	18	121	121	NUM
ajeer-4146	28	19	-	-	SYM
ajeer-4146	28	20	131	131	NUM
ajeer-4146	28	21	122	122	NUM
ajeer-4146	28	22	©	©	PROPN
ajeer-4146	28	23	2022	2022	NUM
ajeer-4146	28	24	by	by	ADP
ajeer-4146	28	25	the	the	DET
ajeer-4146	28	26	authors	author	NOUN
ajeer-4146	28	27	;	;	PUNCT
ajeer-4146	28	28	licensee	licensee	PROPN
ajeer-4146	28	29	asian	asian	ADJ
ajeer-4146	28	30	online	online	PROPN
ajeer-4146	28	31	journal	journal	PROPN
ajeer-4146	28	32	publishing	publishing	NOUN
ajeer-4146	28	33	group	group	NOUN
ajeer-4146	28	34	contribution	contribution	NOUN
ajeer-4146	28	35	of	of	ADP
ajeer-4146	28	36	this	this	DET
ajeer-4146	28	37	paper	paper	NOUN
ajeer-4146	28	38	to	to	ADP
ajeer-4146	28	39	the	the	DET
ajeer-4146	28	40	literature	literature	NOUN
ajeer-4146	28	41	this	this	DET
ajeer-4146	28	42	study	study	NOUN
ajeer-4146	28	43	contributes	contribute	VERB
ajeer-4146	28	44	to	to	ADP
ajeer-4146	28	45	the	the	DET
ajeer-4146	28	46	empirical	empirical	ADJ
ajeer-4146	28	47	literature	literature	NOUN
ajeer-4146	28	48	on	on	ADP
ajeer-4146	28	49	the	the	DET
ajeer-4146	28	50	impact	impact	NOUN
ajeer-4146	28	51	of	of	ADP
ajeer-4146	28	52	financial	financial	ADJ
ajeer-4146	28	53	inclusion	inclusion	NOUN
ajeer-4146	28	54	on	on	ADP
ajeer-4146	28	55	poverty	poverty	NOUN
ajeer-4146	28	56	in	in	ADP
ajeer-4146	28	57	africa	africa	PROPN
ajeer-4146	28	58	by	by	ADP
ajeer-4146	28	59	investigating	investigate	VERB
ajeer-4146	28	60	the	the	DET
ajeer-4146	28	61	effect	effect	NOUN
ajeer-4146	28	62	of	of	ADP
ajeer-4146	28	63	financial	financial	ADJ
ajeer-4146	28	64	exclusion	exclusion	NOUN
ajeer-4146	28	65	on	on	ADP
ajeer-4146	28	66	poverty	poverty	NOUN
ajeer-4146	28	67	in	in	ADP
ajeer-4146	28	68	benin	benin	PROPN
ajeer-4146	28	69	,	,	PUNCT
ajeer-4146	28	70	covering	cover	VERB
ajeer-4146	28	71	the	the	DET
ajeer-4146	28	72	years	year	NOUN
ajeer-4146	28	73	2011	2011	NUM
ajeer-4146	28	74	,	,	PUNCT
ajeer-4146	28	75	2014	2014	NUM
ajeer-4146	28	76	,	,	PUNCT
ajeer-4146	28	77	and	and	CCONJ
ajeer-4146	28	78	2017	2017	NUM
ajeer-4146	28	79	.	.	PUNCT
ajeer-4146	29	1	1	1	X
ajeer-4146	29	2	.	.	X
ajeer-4146	29	3	introduction	introduction	NOUN
ajeer-4146	29	4	poverty	poverty	NOUN
ajeer-4146	29	5	reduction	reduction	NOUN
ajeer-4146	29	6	has	have	AUX
ajeer-4146	29	7	been	be	AUX
ajeer-4146	29	8	the	the	DET
ajeer-4146	29	9	principal	principal	ADJ
ajeer-4146	29	10	focus	focus	NOUN
ajeer-4146	29	11	of	of	ADP
ajeer-4146	29	12	the	the	DET
ajeer-4146	29	13	development	development	NOUN
ajeer-4146	29	14	agenda	agenda	NOUN
ajeer-4146	29	15	.	.	PUNCT
ajeer-4146	30	1	in	in	ADP
ajeer-4146	30	2	fact	fact	NOUN
ajeer-4146	30	3	,	,	PUNCT
ajeer-4146	30	4	for	for	ADP
ajeer-4146	30	5	the	the	DET
ajeer-4146	30	6	past	past	ADJ
ajeer-4146	30	7	twenty	twenty	NUM
ajeer-4146	30	8	years	year	NOUN
ajeer-4146	30	9	,	,	PUNCT
ajeer-4146	30	10	countries	country	NOUN
ajeer-4146	30	11	have	have	AUX
ajeer-4146	30	12	striven	strive	VERB
ajeer-4146	30	13	to	to	PART
ajeer-4146	30	14	achieve	achieve	VERB
ajeer-4146	30	15	the	the	DET
ajeer-4146	30	16	first	first	ADJ
ajeer-4146	30	17	of	of	ADP
ajeer-4146	30	18	the	the	DET
ajeer-4146	30	19	sustainable	sustainable	ADJ
ajeer-4146	30	20	development	development	NOUN
ajeer-4146	30	21	goals	goal	NOUN
ajeer-4146	30	22	(	(	PUNCT
ajeer-4146	30	23	sdgs	sdgs	ADJ
ajeer-4146	30	24	)	)	PUNCT
ajeer-4146	30	25	of	of	ADP
ajeer-4146	30	26	eradicating	eradicate	VERB
ajeer-4146	30	27	extreme	extreme	ADJ
ajeer-4146	30	28	poverty	poverty	NOUN
ajeer-4146	30	29	,	,	PUNCT
ajeer-4146	30	30	measured	measure	VERB
ajeer-4146	30	31	as	as	ADP
ajeer-4146	30	32	people	people	NOUN
ajeer-4146	30	33	living	live	VERB
ajeer-4146	30	34	on	on	ADP
ajeer-4146	30	35	less	less	ADJ
ajeer-4146	30	36	than	than	ADP
ajeer-4146	30	37	$	$	SYM
ajeer-4146	30	38	1.25	1.25	NUM
ajeer-4146	30	39	a	a	DET
ajeer-4146	30	40	day	day	NOUN
ajeer-4146	30	41	,	,	PUNCT
ajeer-4146	30	42	by	by	ADP
ajeer-4146	30	43	2030	2030	NUM
ajeer-4146	30	44	.	.	PUNCT
ajeer-4146	31	1	alongside	alongside	ADP
ajeer-4146	31	2	microfinance	microfinance	NOUN
ajeer-4146	31	3	,	,	PUNCT
ajeer-4146	31	4	financial	financial	ADJ
ajeer-4146	31	5	inclusion	inclusion	NOUN
ajeer-4146	31	6	has	have	AUX
ajeer-4146	31	7	been	be	AUX
ajeer-4146	31	8	widely	widely	ADV
ajeer-4146	31	9	discussed	discuss	VERB
ajeer-4146	31	10	in	in	ADP
ajeer-4146	31	11	the	the	DET
ajeer-4146	31	12	theoretical	theoretical	ADJ
ajeer-4146	31	13	and	and	CCONJ
ajeer-4146	31	14	empirical	empirical	ADJ
ajeer-4146	31	15	literature	literature	NOUN
ajeer-4146	31	16	as	as	ADP
ajeer-4146	31	17	a	a	DET
ajeer-4146	31	18	successful	successful	ADJ
ajeer-4146	31	19	strategy	strategy	NOUN
ajeer-4146	31	20	for	for	ADP
ajeer-4146	31	21	poverty	poverty	NOUN
ajeer-4146	31	22	alleviation	alleviation	NOUN
ajeer-4146	31	23	.	.	PUNCT
ajeer-4146	32	1	according	accord	VERB
ajeer-4146	32	2	to	to	ADP
ajeer-4146	32	3	the	the	DET
ajeer-4146	32	4	world	world	PROPN
ajeer-4146	32	5	bank	bank	PROPN
ajeer-4146	32	6	group	group	NOUN
ajeer-4146	32	7	,	,	PUNCT
ajeer-4146	32	8	“	"	PUNCT
ajeer-4146	32	9	financial	financial	ADJ
ajeer-4146	32	10	inclusion	inclusion	NOUN
ajeer-4146	32	11	means	mean	VERB
ajeer-4146	32	12	that	that	SCONJ
ajeer-4146	32	13	individuals	individual	NOUN
ajeer-4146	32	14	and	and	CCONJ
ajeer-4146	32	15	businesses	business	NOUN
ajeer-4146	32	16	have	have	VERB
ajeer-4146	32	17	access	access	NOUN
ajeer-4146	32	18	to	to	ADP
ajeer-4146	32	19	useful	useful	ADJ
ajeer-4146	32	20	and	and	CCONJ
ajeer-4146	32	21	affordable	affordable	ADJ
ajeer-4146	32	22	financial	financial	ADJ
ajeer-4146	32	23	products	product	NOUN
ajeer-4146	32	24	and	and	CCONJ
ajeer-4146	32	25	services	service	NOUN
ajeer-4146	32	26	that	that	PRON
ajeer-4146	32	27	meet	meet	VERB
ajeer-4146	32	28	their	their	PRON
ajeer-4146	32	29	needs	need	NOUN
ajeer-4146	32	30	–	–	PUNCT
ajeer-4146	32	31	transactions	transaction	NOUN
ajeer-4146	32	32	,	,	PUNCT
ajeer-4146	32	33	payments	payment	NOUN
ajeer-4146	32	34	,	,	PUNCT
ajeer-4146	32	35	savings	saving	NOUN
ajeer-4146	32	36	,	,	PUNCT
ajeer-4146	32	37	credit	credit	NOUN
ajeer-4146	32	38	,	,	PUNCT
ajeer-4146	32	39	and	and	CCONJ
ajeer-4146	32	40	insurance	insurance	NOUN
ajeer-4146	32	41	–	–	PUNCT
ajeer-4146	32	42	delivered	deliver	VERB
ajeer-4146	32	43	in	in	ADP
ajeer-4146	32	44	a	a	DET
ajeer-4146	32	45	responsible	responsible	ADJ
ajeer-4146	32	46	and	and	CCONJ
ajeer-4146	32	47	sustainable	sustainable	ADJ
ajeer-4146	32	48	way	way	NOUN
ajeer-4146	32	49	”	"	PUNCT
ajeer-4146	32	50	.	.	PUNCT
ajeer-4146	33	1	the	the	DET
ajeer-4146	33	2	theoretical	theoretical	ADJ
ajeer-4146	33	3	link	link	NOUN
ajeer-4146	33	4	between	between	ADP
ajeer-4146	33	5	financial	financial	ADJ
ajeer-4146	33	6	inclusion	inclusion	NOUN
ajeer-4146	33	7	and	and	CCONJ
ajeer-4146	33	8	poverty	poverty	NOUN
ajeer-4146	33	9	is	be	AUX
ajeer-4146	33	10	embedded	embed	VERB
ajeer-4146	33	11	in	in	ADP
ajeer-4146	33	12	the	the	DET
ajeer-4146	33	13	financial	financial	ADJ
ajeer-4146	33	14	development	development	NOUN
ajeer-4146	33	15	framework	framework	NOUN
ajeer-4146	33	16	.	.	PUNCT
ajeer-4146	34	1	there	there	PRON
ajeer-4146	34	2	are	be	VERB
ajeer-4146	34	3	direct	direct	ADJ
ajeer-4146	34	4	and	and	CCONJ
ajeer-4146	34	5	indirect	indirect	ADJ
ajeer-4146	34	6	channels	channel	NOUN
ajeer-4146	34	7	through	through	ADP
ajeer-4146	34	8	which	which	PRON
ajeer-4146	34	9	financial	financial	ADJ
ajeer-4146	34	10	inclusion	inclusion	NOUN
ajeer-4146	34	11	affects	affect	VERB
ajeer-4146	34	12	poverty	poverty	NOUN
ajeer-4146	34	13	.	.	PUNCT
ajeer-4146	35	1	in	in	ADP
ajeer-4146	35	2	direct	direct	ADJ
ajeer-4146	35	3	channels	channel	NOUN
ajeer-4146	35	4	,	,	PUNCT
ajeer-4146	35	5	financial	financial	ADJ
ajeer-4146	35	6	inclusion	inclusion	NOUN
ajeer-4146	35	7	contributes	contribute	VERB
ajeer-4146	35	8	to	to	ADP
ajeer-4146	35	9	poverty	poverty	NOUN
ajeer-4146	35	10	alleviation	alleviation	NOUN
ajeer-4146	35	11	by	by	ADP
ajeer-4146	35	12	enhancing	enhance	VERB
ajeer-4146	35	13	entrepreneurial	entrepreneurial	ADJ
ajeer-4146	35	14	possibilities	possibility	NOUN
ajeer-4146	35	15	via	via	ADP
ajeer-4146	35	16	access	access	NOUN
ajeer-4146	35	17	to	to	ADP
ajeer-4146	35	18	credit	credit	NOUN
ajeer-4146	35	19	,	,	PUNCT
ajeer-4146	35	20	generating	generate	VERB
ajeer-4146	35	21	income	income	NOUN
ajeer-4146	35	22	,	,	PUNCT
ajeer-4146	35	23	and	and	CCONJ
ajeer-4146	35	24	better	well	ADJ
ajeer-4146	35	25	livelihoods	livelihood	NOUN
ajeer-4146	35	26	.	.	PUNCT
ajeer-4146	36	1	in	in	ADP
ajeer-4146	36	2	indirect	indirect	ADJ
ajeer-4146	36	3	channels	channel	NOUN
ajeer-4146	36	4	,	,	PUNCT
ajeer-4146	36	5	by	by	ADP
ajeer-4146	36	6	facilitating	facilitate	VERB
ajeer-4146	36	7	and	and	CCONJ
ajeer-4146	36	8	stimulating	stimulate	VERB
ajeer-4146	36	9	economic	economic	ADJ
ajeer-4146	36	10	transactions	transaction	NOUN
ajeer-4146	36	11	,	,	PUNCT
ajeer-4146	36	12	financial	financial	ADJ
ajeer-4146	36	13	inclusion	inclusion	NOUN
ajeer-4146	36	14	boosts	boost	VERB
ajeer-4146	36	15	economic	economic	ADJ
ajeer-4146	36	16	growth	growth	NOUN
ajeer-4146	36	17	,	,	PUNCT
ajeer-4146	36	18	which	which	PRON
ajeer-4146	36	19	implies	imply	VERB
ajeer-4146	36	20	the	the	DET
ajeer-4146	36	21	creation	creation	NOUN
ajeer-4146	36	22	of	of	ADP
ajeer-4146	36	23	jobs	job	NOUN
ajeer-4146	36	24	and	and	CCONJ
ajeer-4146	36	25	an	an	DET
ajeer-4146	36	26	increase	increase	NOUN
ajeer-4146	36	27	in	in	ADP
ajeer-4146	36	28	the	the	DET
ajeer-4146	36	29	government	government	NOUN
ajeer-4146	36	30	tax	tax	NOUN
ajeer-4146	36	31	income	income	NOUN
ajeer-4146	36	32	that	that	PRON
ajeer-4146	36	33	benefits	benefit	VERB
ajeer-4146	36	34	the	the	DET
ajeer-4146	36	35	poor	poor	ADJ
ajeer-4146	36	36	through	through	ADP
ajeer-4146	36	37	employment	employment	NOUN
ajeer-4146	36	38	and	and	CCONJ
ajeer-4146	36	39	public	public	ADJ
ajeer-4146	36	40	spending	spending	NOUN
ajeer-4146	36	41	on	on	ADP
ajeer-4146	36	42	social	social	ADJ
ajeer-4146	36	43	programs	program	NOUN
ajeer-4146	36	44	(	(	PUNCT
ajeer-4146	36	45	anthony	anthony	PROPN
ajeer-4146	36	46	,	,	PUNCT
ajeer-4146	36	47	hadrat	hadrat	PROPN
ajeer-4146	36	48	,	,	PUNCT
ajeer-4146	36	49	george	george	PROPN
ajeer-4146	36	50	,	,	PUNCT
ajeer-4146	36	51	kwasi	kwasi	PROPN
ajeer-4146	36	52	,	,	PUNCT
ajeer-4146	36	53	&	&	CCONJ
ajeer-4146	36	54	samuel	samuel	PROPN
ajeer-4146	36	55	,	,	PUNCT
ajeer-4146	36	56	2021	2021	NUM
ajeer-4146	36	57	)	)	PUNCT
ajeer-4146	36	58	.	.	PUNCT
ajeer-4146	37	1	both	both	CCONJ
ajeer-4146	37	2	direct	direct	ADJ
ajeer-4146	37	3	and	and	CCONJ
ajeer-4146	37	4	indirect	indirect	ADJ
ajeer-4146	37	5	channels	channel	NOUN
ajeer-4146	37	6	have	have	AUX
ajeer-4146	37	7	been	be	AUX
ajeer-4146	37	8	documented	document	VERB
ajeer-4146	37	9	in	in	ADP
ajeer-4146	37	10	the	the	DET
ajeer-4146	37	11	empirical	empirical	ADJ
ajeer-4146	37	12	literature	literature	NOUN
ajeer-4146	37	13	(	(	PUNCT
ajeer-4146	37	14	aportela	aportela	PROPN
ajeer-4146	37	15	,	,	PUNCT
ajeer-4146	37	16	1999	1999	NUM
ajeer-4146	37	17	;	;	PUNCT
ajeer-4146	37	18	bruhn	bruhn	NOUN
ajeer-4146	37	19	&	&	CCONJ
ajeer-4146	37	20	love	love	PROPN
ajeer-4146	37	21	,	,	PUNCT
ajeer-4146	37	22	2014	2014	NUM
ajeer-4146	37	23	;	;	PUNCT
ajeer-4146	37	24	demirgüç	demirgüç	PROPN
ajeer-4146	37	25	-	-	PUNCT
ajeer-4146	37	26	kunt	kunt	PROPN
ajeer-4146	37	27	&	&	CCONJ
ajeer-4146	37	28	singer	singer	NOUN
ajeer-4146	37	29	,	,	PUNCT
ajeer-4146	37	30	2017	2017	NUM
ajeer-4146	37	31	;	;	PUNCT
ajeer-4146	37	32	djossou	djossou	NUM
ajeer-4146	37	33	,	,	PUNCT
ajeer-4146	37	34	monwanou	monwanou	NOUN
ajeer-4146	37	35	,	,	PUNCT
ajeer-4146	37	36	&	&	CCONJ
ajeer-4146	37	37	novignon	novignon	PROPN
ajeer-4146	37	38	,	,	PUNCT
ajeer-4146	37	39	2016	2016	NUM
ajeer-4146	37	40	;	;	PUNCT
ajeer-4146	37	41	dupas	dupas	PROPN
ajeer-4146	37	42	&	&	CCONJ
ajeer-4146	37	43	robinson	robinson	PROPN
ajeer-4146	37	44	,	,	PUNCT
ajeer-4146	37	45	2010	2010	NUM
ajeer-4146	37	46	;	;	PUNCT
ajeer-4146	37	47	zhang	zhang	PROPN
ajeer-4146	37	48	&	&	CCONJ
ajeer-4146	37	49	posso	posso	PROPN
ajeer-4146	37	50	,	,	PUNCT
ajeer-4146	37	51	2017	2017	NUM
ajeer-4146	37	52	)	)	PUNCT
ajeer-4146	37	53	.	.	PUNCT
ajeer-4146	38	1	despite	despite	SCONJ
ajeer-4146	38	2	a	a	DET
ajeer-4146	38	3	sustained	sustained	ADJ
ajeer-4146	38	4	increase	increase	NOUN
ajeer-4146	38	5	in	in	ADP
ajeer-4146	38	6	real	real	ADJ
ajeer-4146	38	7	gross	gross	ADJ
ajeer-4146	38	8	domestic	domestic	ADJ
ajeer-4146	38	9	product	product	NOUN
ajeer-4146	38	10	(	(	PUNCT
ajeer-4146	38	11	gdp	gdp	NOUN
ajeer-4146	38	12	)	)	PUNCT
ajeer-4146	38	13	per	per	ADP
ajeer-4146	38	14	capita	capita	X
ajeer-4146	38	15	over	over	ADP
ajeer-4146	38	16	the	the	DET
ajeer-4146	38	17	past	past	ADJ
ajeer-4146	38	18	20	20	NUM
ajeer-4146	38	19	years	year	NOUN
ajeer-4146	38	20	,	,	PUNCT
ajeer-4146	38	21	more	more	ADJ
ajeer-4146	38	22	than	than	ADP
ajeer-4146	38	23	40	40	NUM
ajeer-4146	38	24	%	%	NOUN
ajeer-4146	38	25	of	of	ADP
ajeer-4146	38	26	the	the	DET
ajeer-4146	38	27	beninese	beninese	ADJ
ajeer-4146	38	28	population	population	NOUN
ajeer-4146	38	29	was	be	AUX
ajeer-4146	38	30	still	still	ADV
ajeer-4146	38	31	living	live	VERB
ajeer-4146	38	32	in	in	ADP
ajeer-4146	38	33	poverty	poverty	NOUN
ajeer-4146	38	34	in	in	ADP
ajeer-4146	38	35	2015	2015	NUM
ajeer-4146	38	36	.	.	PUNCT
ajeer-4146	39	1	for	for	ADP
ajeer-4146	39	2	this	this	DET
ajeer-4146	39	3	reason	reason	NOUN
ajeer-4146	39	4	,	,	PUNCT
ajeer-4146	39	5	and	and	CCONJ
ajeer-4146	39	6	the	the	DET
ajeer-4146	39	7	high	high	ADJ
ajeer-4146	39	8	penetration	penetration	NOUN
ajeer-4146	39	9	rate	rate	NOUN
ajeer-4146	39	10	of	of	ADP
ajeer-4146	39	11	smartphones	smartphone	NOUN
ajeer-4146	39	12	in	in	ADP
ajeer-4146	39	13	the	the	DET
ajeer-4146	39	14	country	country	NOUN
ajeer-4146	39	15	,	,	PUNCT
ajeer-4146	39	16	the	the	DET
ajeer-4146	39	17	beninese	beninese	ADJ
ajeer-4146	39	18	government	government	NOUN
ajeer-4146	39	19	has	have	AUX
ajeer-4146	39	20	identified	identify	VERB
ajeer-4146	39	21	improving	improve	VERB
ajeer-4146	39	22	financial	financial	ADJ
ajeer-4146	39	23	inclusion	inclusion	NOUN
ajeer-4146	39	24	through	through	ADP
ajeer-4146	39	25	digitalization	digitalization	NOUN
ajeer-4146	39	26	as	as	ADP
ajeer-4146	39	27	a	a	DET
ajeer-4146	39	28	successful	successful	ADJ
ajeer-4146	39	29	strategy	strategy	NOUN
ajeer-4146	39	30	for	for	ADP
ajeer-4146	39	31	poverty	poverty	NOUN
ajeer-4146	39	32	alleviation	alleviation	NOUN
ajeer-4146	39	33	.	.	PUNCT
ajeer-4146	40	1	examples	example	NOUN
ajeer-4146	40	2	of	of	ADP
ajeer-4146	40	3	various	various	ADJ
ajeer-4146	40	4	completed	complete	VERB
ajeer-4146	40	5	and	and	CCONJ
ajeer-4146	40	6	ongoing	ongoing	ADJ
ajeer-4146	40	7	initiatives	initiative	NOUN
ajeer-4146	40	8	in	in	ADP
ajeer-4146	40	9	the	the	DET
ajeer-4146	40	10	country	country	NOUN
ajeer-4146	40	11	include	include	VERB
ajeer-4146	40	12	the	the	DET
ajeer-4146	40	13	digital	digital	ADJ
ajeer-4146	40	14	economy	economy	NOUN
ajeer-4146	40	15	project	project	NOUN
ajeer-4146	40	16	(	(	PUNCT
ajeer-4146	40	17	2019–2020	2019–2020	NUM
ajeer-4146	40	18	)	)	PUNCT
ajeer-4146	40	19	supported	support	VERB
ajeer-4146	40	20	by	by	ADP
ajeer-4146	40	21	the	the	DET
ajeer-4146	40	22	embassy	embassy	NOUN
ajeer-4146	40	23	of	of	ADP
ajeer-4146	40	24	the	the	DET
ajeer-4146	40	25	netherlands	netherlands	PROPN
ajeer-4146	40	26	,	,	PUNCT
ajeer-4146	40	27	a	a	DET
ajeer-4146	40	28	large	large	ADJ
ajeer-4146	40	29	-	-	PUNCT
ajeer-4146	40	30	scale	scale	NOUN
ajeer-4146	40	31	randomized	randomize	VERB
ajeer-4146	40	32	controlled	control	VERB
ajeer-4146	40	33	trial	trial	NOUN
ajeer-4146	40	34	assessing	assess	VERB
ajeer-4146	40	35	the	the	DET
ajeer-4146	40	36	performance	performance	NOUN
ajeer-4146	40	37	of	of	ADP
ajeer-4146	40	38	a	a	DET
ajeer-4146	40	39	personal	personal	ADJ
ajeer-4146	40	40	finance	finance	NOUN
ajeer-4146	40	41	management	management	NOUN
ajeer-4146	40	42	mobile	mobile	ADJ
ajeer-4146	40	43	app	app	PROPN
ajeer-4146	40	44	.	.	PUNCT
ajeer-4146	41	1	in	in	ADP
ajeer-4146	41	2	addition	addition	NOUN
ajeer-4146	41	3	,	,	PUNCT
ajeer-4146	41	4	in	in	ADP
ajeer-4146	41	5	2020	2020	NUM
ajeer-4146	41	6	,	,	PUNCT
ajeer-4146	41	7	the	the	DET
ajeer-4146	41	8	government	government	NOUN
ajeer-4146	41	9	of	of	ADP
ajeer-4146	41	10	benin	benin	PROPN
ajeer-4146	41	11	created	create	VERB
ajeer-4146	41	12	a	a	DET
ajeer-4146	41	13	financial	financial	ADJ
ajeer-4146	41	14	services	service	NOUN
ajeer-4146	41	15	quality	quality	NOUN
ajeer-4146	41	16	observatory	observatory	NOUN
ajeer-4146	41	17	with	with	ADP
ajeer-4146	41	18	the	the	DET
ajeer-4146	41	19	aim	aim	NOUN
ajeer-4146	41	20	of	of	ADP
ajeer-4146	41	21	increasing	increase	VERB
ajeer-4146	41	22	the	the	DET
ajeer-4146	41	23	use	use	NOUN
ajeer-4146	41	24	of	of	ADP
ajeer-4146	41	25	formal	formal	ADJ
ajeer-4146	41	26	financial	financial	ADJ
ajeer-4146	41	27	services	service	NOUN
ajeer-4146	41	28	by	by	ADP
ajeer-4146	41	29	firms	firm	NOUN
ajeer-4146	41	30	and	and	CCONJ
ajeer-4146	41	31	individuals	individual	NOUN
ajeer-4146	41	32	.	.	PUNCT
ajeer-4146	42	1	the	the	DET
ajeer-4146	42	2	number	number	NOUN
ajeer-4146	42	3	of	of	ADP
ajeer-4146	42	4	bank	bank	NOUN
ajeer-4146	42	5	branches	branch	NOUN
ajeer-4146	42	6	has	have	AUX
ajeer-4146	42	7	been	be	AUX
ajeer-4146	42	8	recently	recently	ADV
ajeer-4146	42	9	increasing	increase	VERB
ajeer-4146	42	10	in	in	ADP
ajeer-4146	42	11	rural	rural	ADJ
ajeer-4146	42	12	areas	area	NOUN
ajeer-4146	42	13	of	of	ADP
ajeer-4146	42	14	benin	benin	PROPN
ajeer-4146	42	15	,	,	PUNCT
ajeer-4146	42	16	but	but	CCONJ
ajeer-4146	42	17	despite	despite	SCONJ
ajeer-4146	42	18	this	this	DET
ajeer-4146	42	19	improvement	improvement	NOUN
ajeer-4146	42	20	,	,	PUNCT
ajeer-4146	42	21	only	only	ADV
ajeer-4146	42	22	17	17	NUM
ajeer-4146	42	23	%	%	NOUN
ajeer-4146	42	24	of	of	ADP
ajeer-4146	42	25	the	the	DET
ajeer-4146	42	26	population	population	NOUN
ajeer-4146	42	27	had	have	VERB
ajeer-4146	42	28	a	a	DET
ajeer-4146	42	29	bank	bank	NOUN
ajeer-4146	42	30	account	account	NOUN
ajeer-4146	42	31	in	in	ADP
ajeer-4146	42	32	2015	2015	NUM
ajeer-4146	42	33	,	,	PUNCT
ajeer-4146	42	34	and	and	CCONJ
ajeer-4146	42	35	access	access	NOUN
ajeer-4146	42	36	to	to	ADP
ajeer-4146	42	37	finance	finance	NOUN
ajeer-4146	42	38	is	be	AUX
ajeer-4146	42	39	difficult	difficult	ADJ
ajeer-4146	42	40	for	for	ADP
ajeer-4146	42	41	some	some	DET
ajeer-4146	42	42	vulnerable	vulnerable	ADJ
ajeer-4146	42	43	groups	group	NOUN
ajeer-4146	42	44	and	and	CCONJ
ajeer-4146	42	45	smalland	smalland	CCONJ
ajeer-4146	42	46	medium	medium	ADJ
ajeer-4146	42	47	-	-	PUNCT
ajeer-4146	42	48	sized	sized	ADJ
ajeer-4146	42	49	enterprises	enterprise	NOUN
ajeer-4146	42	50	(	(	PUNCT
ajeer-4146	42	51	fund	fund	NOUN
ajeer-4146	42	52	,	,	PUNCT
ajeer-4146	42	53	2018	2018	NUM
ajeer-4146	42	54	)	)	PUNCT
ajeer-4146	42	55	.	.	PUNCT
ajeer-4146	43	1	the	the	DET
ajeer-4146	43	2	microfinance	microfinance	NOUN
ajeer-4146	43	3	sector	sector	NOUN
ajeer-4146	43	4	plays	play	VERB
ajeer-4146	43	5	an	an	DET
ajeer-4146	43	6	important	important	ADJ
ajeer-4146	43	7	role	role	NOUN
ajeer-4146	43	8	in	in	ADP
ajeer-4146	43	9	the	the	DET
ajeer-4146	43	10	country	country	NOUN
ajeer-4146	43	11	by	by	ADP
ajeer-4146	43	12	financing	finance	VERB
ajeer-4146	43	13	the	the	DET
ajeer-4146	43	14	sectors	sector	NOUN
ajeer-4146	43	15	of	of	ADP
ajeer-4146	43	16	the	the	DET
ajeer-4146	43	17	economy	economy	NOUN
ajeer-4146	43	18	and	and	CCONJ
ajeer-4146	43	19	rural	rural	ADJ
ajeer-4146	43	20	populations	population	NOUN
ajeer-4146	43	21	that	that	PRON
ajeer-4146	43	22	are	be	AUX
ajeer-4146	43	23	underserved	underserved	ADJ
ajeer-4146	43	24	by	by	ADP
ajeer-4146	43	25	banks	bank	NOUN
ajeer-4146	43	26	.	.	PUNCT
ajeer-4146	44	1	djossou	djossou	VERB
ajeer-4146	44	2	et	et	PROPN
ajeer-4146	44	3	al	al	PROPN
ajeer-4146	44	4	.	.	PUNCT
ajeer-4146	45	1	(	(	PUNCT
ajeer-4146	45	2	2016	2016	NUM
ajeer-4146	45	3	)	)	PUNCT
ajeer-4146	45	4	examined	examine	VERB
ajeer-4146	45	5	the	the	DET
ajeer-4146	45	6	impact	impact	NOUN
ajeer-4146	45	7	of	of	ADP
ajeer-4146	45	8	benin	benin	PROPN
ajeer-4146	45	9	’s	’s	PART
ajeer-4146	45	10	national	national	PROPN
ajeer-4146	45	11	microcredit	microcredit	PROPN
ajeer-4146	45	12	program	program	NOUN
ajeer-4146	45	13	on	on	ADP
ajeer-4146	45	14	poverty	poverty	NOUN
ajeer-4146	45	15	and	and	CCONJ
ajeer-4146	45	16	found	find	VERB
ajeer-4146	45	17	a	a	DET
ajeer-4146	45	18	positive	positive	ADJ
ajeer-4146	45	19	and	and	CCONJ
ajeer-4146	45	20	significant	significant	ADJ
ajeer-4146	45	21	impact	impact	NOUN
ajeer-4146	45	22	of	of	ADP
ajeer-4146	45	23	individuals	individual	NOUN
ajeer-4146	45	24	who	who	PRON
ajeer-4146	45	25	had	have	VERB
ajeer-4146	45	26	access	access	NOUN
ajeer-4146	45	27	to	to	ADP
ajeer-4146	45	28	a	a	DET
ajeer-4146	45	29	microcredit	microcredit	NOUN
ajeer-4146	45	30	program	program	NOUN
ajeer-4146	45	31	relative	relative	ADJ
ajeer-4146	45	32	to	to	ADP
ajeer-4146	45	33	those	those	PRON
ajeer-4146	45	34	who	who	PRON
ajeer-4146	45	35	did	do	VERB
ajeer-4146	45	36	not	not	PART
ajeer-4146	45	37	.	.	PUNCT
ajeer-4146	46	1	dahoun	dahoun	INTJ
ajeer-4146	46	2	et	et	PROPN
ajeer-4146	46	3	al	al	PROPN
ajeer-4146	46	4	.	.	PROPN
ajeer-4146	47	1	(	(	PUNCT
ajeer-4146	47	2	2013	2013	NUM
ajeer-4146	47	3	)	)	PUNCT
ajeer-4146	47	4	showed	show	VERB
ajeer-4146	47	5	that	that	SCONJ
ajeer-4146	47	6	microcredit	microcredit	NOUN
ajeer-4146	47	7	has	have	VERB
ajeer-4146	47	8	a	a	DET
ajeer-4146	47	9	positive	positive	ADJ
ajeer-4146	47	10	impact	impact	NOUN
ajeer-4146	47	11	on	on	ADP
ajeer-4146	47	12	women	woman	NOUN
ajeer-4146	47	13	’s	’s	PART
ajeer-4146	47	14	empowerment	empowerment	NOUN
ajeer-4146	47	15	in	in	ADP
ajeer-4146	47	16	benin	benin	PROPN
ajeer-4146	47	17	,	,	PUNCT
ajeer-4146	47	18	especially	especially	ADV
ajeer-4146	47	19	on	on	ADP
ajeer-4146	47	20	those	those	PRON
ajeer-4146	47	21	who	who	PRON
ajeer-4146	47	22	are	be	AUX
ajeer-4146	47	23	heads	head	NOUN
ajeer-4146	47	24	of	of	ADP
ajeer-4146	47	25	their	their	PRON
ajeer-4146	47	26	household	household	NOUN
ajeer-4146	47	27	.	.	PUNCT
ajeer-4146	48	1	sylli	sylli	PROPN
ajeer-4146	48	2	(	(	PUNCT
ajeer-4146	48	3	2012	2012	NUM
ajeer-4146	48	4	)	)	PUNCT
ajeer-4146	48	5	showed	show	VERB
ajeer-4146	48	6	that	that	SCONJ
ajeer-4146	48	7	microcredit	microcredit	NOUN
ajeer-4146	48	8	contributes	contribute	VERB
ajeer-4146	48	9	to	to	ADP
ajeer-4146	48	10	the	the	DET
ajeer-4146	48	11	living	living	NOUN
ajeer-4146	48	12	conditions	condition	NOUN
ajeer-4146	48	13	of	of	ADP
ajeer-4146	48	14	beneficiaries	beneficiary	NOUN
ajeer-4146	48	15	and	and	CCONJ
ajeer-4146	48	16	helps	help	VERB
ajeer-4146	48	17	to	to	PART
ajeer-4146	48	18	reduce	reduce	VERB
ajeer-4146	48	19	poverty	poverty	NOUN
ajeer-4146	48	20	with	with	ADP
ajeer-4146	48	21	more	more	ADJ
ajeer-4146	48	22	medium	medium	ADJ
ajeer-4146	48	23	-	-	PUNCT
ajeer-4146	48	24	term	term	NOUN
ajeer-4146	48	25	and	and	CCONJ
ajeer-4146	48	26	long	long	ADJ
ajeer-4146	48	27	-	-	PUNCT
ajeer-4146	48	28	term	term	NOUN
ajeer-4146	48	29	credit	credit	NOUN
ajeer-4146	48	30	for	for	ADP
ajeer-4146	48	31	agricultural	agricultural	ADJ
ajeer-4146	48	32	activities	activity	NOUN
ajeer-4146	48	33	in	in	ADP
ajeer-4146	48	34	benin	benin	PROPN
ajeer-4146	48	35	.	.	PUNCT
ajeer-4146	49	1	although	although	SCONJ
ajeer-4146	49	2	the	the	DET
ajeer-4146	49	3	existing	exist	VERB
ajeer-4146	49	4	literature	literature	NOUN
ajeer-4146	49	5	summarized	summarize	VERB
ajeer-4146	49	6	above	above	ADV
ajeer-4146	49	7	has	have	AUX
ajeer-4146	49	8	documented	document	VERB
ajeer-4146	49	9	the	the	DET
ajeer-4146	49	10	positive	positive	ADJ
ajeer-4146	49	11	effect	effect	NOUN
ajeer-4146	49	12	of	of	ADP
ajeer-4146	49	13	microfinance	microfinance	NOUN
ajeer-4146	49	14	on	on	ADP
ajeer-4146	49	15	individual	individual	ADJ
ajeer-4146	49	16	welfare	welfare	NOUN
ajeer-4146	49	17	in	in	ADP
ajeer-4146	49	18	benin	benin	PROPN
ajeer-4146	49	19	,	,	PUNCT
ajeer-4146	49	20	several	several	ADJ
ajeer-4146	49	21	questions	question	NOUN
ajeer-4146	49	22	remain	remain	VERB
ajeer-4146	49	23	unanswered	unanswered	ADJ
ajeer-4146	49	24	.	.	PUNCT
ajeer-4146	50	1	these	these	DET
ajeer-4146	50	2	questions	question	NOUN
ajeer-4146	50	3	include	include	VERB
ajeer-4146	50	4	:	:	PUNCT
ajeer-4146	50	5	what	what	PRON
ajeer-4146	50	6	are	be	AUX
ajeer-4146	50	7	the	the	DET
ajeer-4146	50	8	main	main	ADJ
ajeer-4146	50	9	factors	factor	NOUN
ajeer-4146	50	10	associated	associate	VERB
ajeer-4146	50	11	with	with	ADP
ajeer-4146	50	12	the	the	DET
ajeer-4146	50	13	lack	lack	NOUN
ajeer-4146	50	14	of	of	ADP
ajeer-4146	50	15	financial	financial	ADJ
ajeer-4146	50	16	inclusion	inclusion	NOUN
ajeer-4146	50	17	(	(	PUNCT
ajeer-4146	50	18	financial	financial	ADJ
ajeer-4146	50	19	exclusion	exclusion	NOUN
ajeer-4146	50	20	)	)	PUNCT
ajeer-4146	50	21	in	in	ADP
ajeer-4146	50	22	benin	benin	PROPN
ajeer-4146	50	23	,	,	PUNCT
ajeer-4146	50	24	and	and	CCONJ
ajeer-4146	50	25	how	how	SCONJ
ajeer-4146	50	26	is	be	AUX
ajeer-4146	50	27	financial	financial	ADJ
ajeer-4146	50	28	exclusion	exclusion	NOUN
ajeer-4146	50	29	associated	associate	VERB
ajeer-4146	50	30	with	with	ADP
ajeer-4146	50	31	poverty	poverty	NOUN
ajeer-4146	50	32	in	in	ADP
ajeer-4146	50	33	benin	benin	PROPN
ajeer-4146	50	34	?	?	PUNCT
ajeer-4146	51	1	by	by	ADP
ajeer-4146	51	2	answering	answer	VERB
ajeer-4146	51	3	these	these	DET
ajeer-4146	51	4	questions	question	NOUN
ajeer-4146	51	5	,	,	PUNCT
ajeer-4146	51	6	the	the	DET
ajeer-4146	51	7	aim	aim	NOUN
ajeer-4146	51	8	of	of	ADP
ajeer-4146	51	9	our	our	PRON
ajeer-4146	51	10	paper	paper	NOUN
ajeer-4146	51	11	is	be	AUX
ajeer-4146	51	12	to	to	PART
ajeer-4146	51	13	fill	fill	VERB
ajeer-4146	51	14	this	this	DET
ajeer-4146	51	15	gap	gap	NOUN
ajeer-4146	51	16	in	in	ADP
ajeer-4146	51	17	the	the	DET
ajeer-4146	51	18	literature	literature	NOUN
ajeer-4146	51	19	and	and	CCONJ
ajeer-4146	51	20	provide	provide	VERB
ajeer-4146	51	21	a	a	DET
ajeer-4146	51	22	better	well	ADJ
ajeer-4146	51	23	understanding	understanding	NOUN
ajeer-4146	51	24	of	of	ADP
ajeer-4146	51	25	the	the	DET
ajeer-4146	51	26	relationship	relationship	NOUN
ajeer-4146	51	27	between	between	ADP
ajeer-4146	51	28	poverty	poverty	NOUN
ajeer-4146	51	29	and	and	CCONJ
ajeer-4146	51	30	financial	financial	ADJ
ajeer-4146	51	31	inclusion	inclusion	NOUN
ajeer-4146	51	32	in	in	ADP
ajeer-4146	51	33	benin	benin	PROPN
ajeer-4146	51	34	.	.	PUNCT
ajeer-4146	52	1	financial	financial	ADJ
ajeer-4146	52	2	inclusion	inclusion	NOUN
ajeer-4146	52	3	is	be	AUX
ajeer-4146	52	4	a	a	DET
ajeer-4146	52	5	broad	broad	ADJ
ajeer-4146	52	6	concept	concept	NOUN
ajeer-4146	52	7	that	that	PRON
ajeer-4146	52	8	includes	include	VERB
ajeer-4146	52	9	several	several	ADJ
ajeer-4146	52	10	aspects	aspect	NOUN
ajeer-4146	52	11	of	of	ADP
ajeer-4146	52	12	financial	financial	ADJ
ajeer-4146	52	13	services	service	NOUN
ajeer-4146	52	14	.	.	PUNCT
ajeer-4146	53	1	most	most	ADJ
ajeer-4146	53	2	studies	study	NOUN
ajeer-4146	53	3	have	have	AUX
ajeer-4146	53	4	looked	look	VERB
ajeer-4146	53	5	for	for	ADP
ajeer-4146	53	6	an	an	DET
ajeer-4146	53	7	appropriate	appropriate	ADJ
ajeer-4146	53	8	measure	measure	NOUN
ajeer-4146	53	9	of	of	ADP
ajeer-4146	53	10	financial	financial	ADJ
ajeer-4146	53	11	inclusion	inclusion	NOUN
ajeer-4146	53	12	at	at	ADP
ajeer-4146	53	13	the	the	DET
ajeer-4146	53	14	individual	individual	ADJ
ajeer-4146	53	15	,	,	PUNCT
ajeer-4146	53	16	household	household	NOUN
ajeer-4146	53	17	,	,	PUNCT
ajeer-4146	53	18	and	and	CCONJ
ajeer-4146	53	19	country	country	NOUN
ajeer-4146	53	20	levels	level	NOUN
ajeer-4146	53	21	(	(	PUNCT
ajeer-4146	53	22	gupte	gupte	ADJ
ajeer-4146	53	23	,	,	PUNCT
ajeer-4146	53	24	venkataramani	venkataramani	NOUN
ajeer-4146	53	25	,	,	PUNCT
ajeer-4146	53	26	&	&	CCONJ
ajeer-4146	53	27	gupta	gupta	PROPN
ajeer-4146	53	28	,	,	PUNCT
ajeer-4146	53	29	2012	2012	NUM
ajeer-4146	53	30	;	;	PUNCT
ajeer-4146	53	31	park	park	NOUN
ajeer-4146	53	32	&	&	CCONJ
ajeer-4146	53	33	mercado	mercado	PROPN
ajeer-4146	53	34	,	,	PUNCT
ajeer-4146	53	35	2015	2015	NUM
ajeer-4146	53	36	;	;	PUNCT
ajeer-4146	53	37	sarma	sarma	NOUN
ajeer-4146	53	38	,	,	PUNCT
ajeer-4146	53	39	2008	2008	NUM
ajeer-4146	53	40	;	;	PUNCT
ajeer-4146	53	41	zhang	zhang	PROPN
ajeer-4146	53	42	&	&	CCONJ
ajeer-4146	53	43	posso	posso	PROPN
ajeer-4146	53	44	,	,	PUNCT
ajeer-4146	53	45	2017	2017	NUM
ajeer-4146	53	46	)	)	PUNCT
ajeer-4146	53	47	.	.	PUNCT
ajeer-4146	54	1	this	this	DET
ajeer-4146	54	2	study	study	NOUN
ajeer-4146	54	3	provides	provide	VERB
ajeer-4146	54	4	a	a	DET
ajeer-4146	54	5	composite	composite	ADJ
ajeer-4146	54	6	measure	measure	NOUN
ajeer-4146	54	7	of	of	ADP
ajeer-4146	54	8	financial	financial	ADJ
ajeer-4146	54	9	exclusion	exclusion	NOUN
ajeer-4146	54	10	and	and	CCONJ
ajeer-4146	54	11	assesses	assess	VERB
ajeer-4146	54	12	the	the	DET
ajeer-4146	54	13	extent	extent	NOUN
ajeer-4146	54	14	to	to	PART
ajeer-4146	54	15	which	which	PRON
ajeer-4146	54	16	it	it	PRON
ajeer-4146	54	17	affects	affect	VERB
ajeer-4146	54	18	poverty	poverty	NOUN
ajeer-4146	54	19	using	use	VERB
ajeer-4146	54	20	the	the	DET
ajeer-4146	54	21	beninese	beninese	ADJ
ajeer-4146	54	22	global	global	ADJ
ajeer-4146	54	23	findex	findex	PROPN
ajeer-4146	54	24	survey	survey	PROPN
ajeer-4146	54	25	data	datum	NOUN
ajeer-4146	54	26	.	.	PUNCT
ajeer-4146	55	1	specifically	specifically	ADV
ajeer-4146	55	2	,	,	PUNCT
ajeer-4146	55	3	we	we	PRON
ajeer-4146	55	4	measure	measure	VERB
ajeer-4146	55	5	financial	financial	ADJ
ajeer-4146	55	6	exclusion	exclusion	NOUN
ajeer-4146	55	7	by	by	ADP
ajeer-4146	55	8	computing	compute	VERB
ajeer-4146	55	9	a	a	DET
ajeer-4146	55	10	composite	composite	ADJ
ajeer-4146	55	11	index	index	NOUN
ajeer-4146	55	12	considering	consider	VERB
ajeer-4146	55	13	several	several	ADJ
ajeer-4146	55	14	dimensions	dimension	NOUN
ajeer-4146	55	15	,	,	PUNCT
ajeer-4146	55	16	such	such	ADJ
ajeer-4146	55	17	as	as	ADP
ajeer-4146	55	18	account	account	NOUN
ajeer-4146	55	19	ownership	ownership	NOUN
ajeer-4146	55	20	,	,	PUNCT
ajeer-4146	55	21	credit	credit	NOUN
ajeer-4146	55	22	access	access	NOUN
ajeer-4146	55	23	,	,	PUNCT
ajeer-4146	55	24	savings	saving	NOUN
ajeer-4146	55	25	,	,	PUNCT
ajeer-4146	55	26	financial	financial	ADJ
ajeer-4146	55	27	resilience	resilience	NOUN
ajeer-4146	55	28	,	,	PUNCT
ajeer-4146	55	29	financial	financial	ADJ
ajeer-4146	55	30	account	account	NOUN
ajeer-4146	55	31	use	use	NOUN
ajeer-4146	55	32	,	,	PUNCT
ajeer-4146	55	33	and	and	CCONJ
ajeer-4146	55	34	online	online	ADJ
ajeer-4146	55	35	transactions	transaction	NOUN
ajeer-4146	55	36	.	.	PUNCT
ajeer-4146	56	1	in	in	ADP
ajeer-4146	56	2	the	the	DET
ajeer-4146	56	3	empirical	empirical	ADJ
ajeer-4146	56	4	literature	literature	NOUN
ajeer-4146	56	5	on	on	ADP
ajeer-4146	56	6	financial	financial	ADJ
ajeer-4146	56	7	inclusion	inclusion	NOUN
ajeer-4146	56	8	in	in	ADP
ajeer-4146	56	9	africa	africa	PROPN
ajeer-4146	56	10	,	,	PUNCT
ajeer-4146	56	11	many	many	ADJ
ajeer-4146	56	12	authors	author	NOUN
ajeer-4146	56	13	have	have	AUX
ajeer-4146	56	14	used	use	VERB
ajeer-4146	56	15	multiple	multiple	ADJ
ajeer-4146	56	16	indicators	indicator	NOUN
ajeer-4146	56	17	(	(	PUNCT
ajeer-4146	56	18	use	use	NOUN
ajeer-4146	56	19	and	and	CCONJ
ajeer-4146	56	20	ownership	ownership	NOUN
ajeer-4146	56	21	of	of	ADP
ajeer-4146	56	22	an	an	DET
ajeer-4146	56	23	account	account	NOUN
ajeer-4146	56	24	,	,	PUNCT
ajeer-4146	56	25	use	use	NOUN
ajeer-4146	56	26	of	of	ADP
ajeer-4146	56	27	the	the	DET
ajeer-4146	56	28	account	account	NOUN
ajeer-4146	56	29	to	to	PART
ajeer-4146	56	30	save	save	VERB
ajeer-4146	56	31	,	,	PUNCT
ajeer-4146	56	32	and	and	CCONJ
ajeer-4146	56	33	frequency	frequency	NOUN
ajeer-4146	56	34	use	use	NOUN
ajeer-4146	56	35	of	of	ADP
ajeer-4146	56	36	the	the	DET
ajeer-4146	56	37	account	account	NOUN
ajeer-4146	56	38	,	,	PUNCT
ajeer-4146	56	39	etc	etc	X
ajeer-4146	56	40	.	.	X
ajeer-4146	56	41	)	)	PUNCT
ajeer-4146	56	42	to	to	PART
ajeer-4146	56	43	capture	capture	VERB
ajeer-4146	56	44	the	the	DET
ajeer-4146	56	45	multidimensional	multidimensional	ADJ
ajeer-4146	56	46	nature	nature	NOUN
ajeer-4146	56	47	of	of	ADP
ajeer-4146	56	48	financial	financial	ADJ
ajeer-4146	56	49	inclusion	inclusion	NOUN
ajeer-4146	56	50	(	(	PUNCT
ajeer-4146	56	51	efobi	efobi	NOUN
ajeer-4146	56	52	,	,	PUNCT
ajeer-4146	56	53	beecroft	beecroft	ADJ
ajeer-4146	56	54	,	,	PUNCT
ajeer-4146	56	55	and	and	CCONJ
ajeer-4146	56	56	osabuohien	osabuohien	PROPN
ajeer-4146	56	57	(	(	PUNCT
ajeer-4146	56	58	2014	2014	NUM
ajeer-4146	56	59	)	)	PUNCT
ajeer-4146	56	60	;	;	PUNCT
ajeer-4146	56	61	allen	allen	PROPN
ajeer-4146	56	62	,	,	PUNCT
ajeer-4146	56	63	demirguc	demirguc	PROPN
ajeer-4146	56	64	-	-	PUNCT
ajeer-4146	56	65	kunt	kunt	PROPN
ajeer-4146	56	66	,	,	PUNCT
ajeer-4146	56	67	klapper	klapper	NOUN
ajeer-4146	56	68	,	,	PUNCT
ajeer-4146	56	69	and	and	CCONJ
ajeer-4146	56	70	peria	peria	PROPN
ajeer-4146	56	71	(	(	PUNCT
ajeer-4146	56	72	2016	2016	NUM
ajeer-4146	56	73	)	)	PUNCT
ajeer-4146	56	74	;	;	PUNCT
ajeer-4146	56	75	mohammed	mohammed	PROPN
ajeer-4146	56	76	,	,	PUNCT
ajeer-4146	56	77	mensah	mensah	PROPN
ajeer-4146	56	78	,	,	PUNCT
ajeer-4146	56	79	and	and	CCONJ
ajeer-4146	56	80	gyeke	gyeke	NOUN
ajeer-4146	56	81	-	-	PUNCT
ajeer-4146	56	82	dako	dako	PROPN
ajeer-4146	56	83	(	(	PUNCT
ajeer-4146	56	84	2017	2017	NUM
ajeer-4146	56	85	)	)	PUNCT
ajeer-4146	56	86	;	;	PUNCT
ajeer-4146	56	87	tita	tita	PROPN
ajeer-4146	56	88	and	and	CCONJ
ajeer-4146	56	89	aziakpono	aziakpono	PROPN
ajeer-4146	56	90	(	(	PUNCT
ajeer-4146	56	91	2017	2017	NUM
ajeer-4146	56	92	)	)	PUNCT
ajeer-4146	56	93	)	)	PUNCT
ajeer-4146	56	94	.	.	PUNCT
ajeer-4146	57	1	additionally	additionally	ADV
ajeer-4146	57	2	,	,	PUNCT
ajeer-4146	57	3	the	the	DET
ajeer-4146	57	4	study	study	NOUN
ajeer-4146	57	5	analyzes	analyze	VERB
ajeer-4146	57	6	the	the	DET
ajeer-4146	57	7	determinants	determinant	NOUN
ajeer-4146	57	8	of	of	ADP
ajeer-4146	57	9	financial	financial	ADJ
ajeer-4146	57	10	exclusion	exclusion	NOUN
ajeer-4146	57	11	by	by	ADP
ajeer-4146	57	12	introducing	introduce	VERB
ajeer-4146	57	13	factors	factor	NOUN
ajeer-4146	57	14	of	of	ADP
ajeer-4146	57	15	financial	financial	ADJ
ajeer-4146	57	16	exclusion	exclusion	NOUN
ajeer-4146	57	17	related	relate	VERB
ajeer-4146	57	18	to	to	ADP
ajeer-4146	57	19	the	the	DET
ajeer-4146	57	20	various	various	ADJ
ajeer-4146	57	21	constraints	constraint	NOUN
ajeer-4146	57	22	faced	face	VERB
ajeer-4146	57	23	by	by	ADP
ajeer-4146	57	24	unbanked	unbanked	ADJ
ajeer-4146	57	25	individuals	individual	NOUN
ajeer-4146	57	26	(	(	PUNCT
ajeer-4146	57	27	people	people	NOUN
ajeer-4146	57	28	who	who	PRON
ajeer-4146	57	29	do	do	AUX
ajeer-4146	57	30	not	not	PART
ajeer-4146	57	31	have	have	VERB
ajeer-4146	57	32	accounts	account	NOUN
ajeer-4146	57	33	at	at	ADP
ajeer-4146	57	34	formal	formal	ADJ
ajeer-4146	57	35	financial	financial	ADJ
ajeer-4146	57	36	institutions	institution	NOUN
ajeer-4146	57	37	)	)	PUNCT
ajeer-4146	57	38	.	.	PUNCT
ajeer-4146	58	1	timothy	timothy	PROPN
ajeer-4146	58	2	(	(	PUNCT
ajeer-4146	58	3	2019	2019	NUM
ajeer-4146	58	4	)	)	PUNCT
ajeer-4146	58	5	used	use	VERB
ajeer-4146	58	6	a	a	DET
ajeer-4146	58	7	panel	panel	NOUN
ajeer-4146	58	8	data	datum	NOUN
ajeer-4146	58	9	analysis	analysis	NOUN
ajeer-4146	58	10	and	and	CCONJ
ajeer-4146	58	11	macrolevel	macrolevel	NOUN
ajeer-4146	58	12	data	datum	NOUN
ajeer-4146	58	13	for	for	ADP
ajeer-4146	58	14	36	36	NUM
ajeer-4146	58	15	african	african	ADJ
ajeer-4146	58	16	countries	country	NOUN
ajeer-4146	58	17	to	to	PART
ajeer-4146	58	18	show	show	VERB
ajeer-4146	58	19	that	that	SCONJ
ajeer-4146	58	20	financial	financial	ADJ
ajeer-4146	58	21	inclusion	inclusion	NOUN
ajeer-4146	58	22	,	,	PUNCT
ajeer-4146	58	23	measured	measure	VERB
ajeer-4146	58	24	by	by	ADP
ajeer-4146	58	25	the	the	DET
ajeer-4146	58	26	number	number	NOUN
ajeer-4146	58	27	of	of	ADP
ajeer-4146	58	28	depositors	depositor	NOUN
ajeer-4146	58	29	with	with	ADP
ajeer-4146	58	30	commercial	commercial	ADJ
ajeer-4146	58	31	banks	bank	NOUN
ajeer-4146	58	32	,	,	PUNCT
ajeer-4146	58	33	is	be	AUX
ajeer-4146	58	34	positively	positively	ADV
ajeer-4146	58	35	correlated	correlate	VERB
ajeer-4146	58	36	with	with	ADP
ajeer-4146	58	37	life	life	NOUN
ajeer-4146	58	38	expectation	expectation	NOUN
ajeer-4146	58	39	.	.	PUNCT
ajeer-4146	59	1	using	use	VERB
ajeer-4146	59	2	time	time	NOUN
ajeer-4146	59	3	series	series	NOUN
ajeer-4146	59	4	analysis	analysis	NOUN
ajeer-4146	59	5	and	and	CCONJ
ajeer-4146	59	6	macroeconomic	macroeconomic	ADJ
ajeer-4146	59	7	data	datum	NOUN
ajeer-4146	59	8	,	,	PUNCT
ajeer-4146	59	9	afolabi	afolabi	NOUN
ajeer-4146	59	10	(	(	PUNCT
ajeer-4146	59	11	2020	2020	NUM
ajeer-4146	59	12	)	)	PUNCT
ajeer-4146	59	13	found	find	VERB
ajeer-4146	59	14	that	that	SCONJ
ajeer-4146	59	15	financial	financial	ADJ
ajeer-4146	59	16	inclusion	inclusion	NOUN
ajeer-4146	59	17	,	,	PUNCT
ajeer-4146	59	18	measured	measure	VERB
ajeer-4146	59	19	by	by	ADP
ajeer-4146	59	20	rural	rural	ADJ
ajeer-4146	59	21	loans	loan	NOUN
ajeer-4146	59	22	,	,	PUNCT
ajeer-4146	59	23	the	the	DET
ajeer-4146	59	24	number	number	NOUN
ajeer-4146	59	25	of	of	ADP
ajeer-4146	59	26	bank	bank	NOUN
ajeer-4146	59	27	branches	branch	NOUN
ajeer-4146	59	28	and	and	CCONJ
ajeer-4146	59	29	the	the	DET
ajeer-4146	59	30	level	level	NOUN
ajeer-4146	59	31	of	of	ADP
ajeer-4146	59	32	liquidity	liquidity	NOUN
ajeer-4146	59	33	,	,	PUNCT
ajeer-4146	59	34	has	have	VERB
ajeer-4146	59	35	a	a	DET
ajeer-4146	59	36	positive	positive	ADJ
ajeer-4146	59	37	and	and	CCONJ
ajeer-4146	59	38	significant	significant	ADJ
ajeer-4146	59	39	effect	effect	NOUN
ajeer-4146	59	40	on	on	ADP
ajeer-4146	59	41	nigeria	nigeria	PROPN
ajeer-4146	59	42	’s	’s	PART
ajeer-4146	59	43	economic	economic	ADJ
ajeer-4146	59	44	growth	growth	NOUN
ajeer-4146	59	45	in	in	ADP
ajeer-4146	59	46	the	the	DET
ajeer-4146	59	47	short	short	ADJ
ajeer-4146	59	48	and	and	CCONJ
ajeer-4146	59	49	long	long	ADJ
ajeer-4146	59	50	runs	run	NOUN
ajeer-4146	59	51	.	.	PUNCT
ajeer-4146	60	1	demirgüç	demirgüç	PROPN
ajeer-4146	60	2	-	-	PUNCT
ajeer-4146	60	3	kunt	kunt	PROPN
ajeer-4146	60	4	and	and	CCONJ
ajeer-4146	60	5	klapper	klapper	PROPN
ajeer-4146	60	6	(	(	PUNCT
ajeer-4146	60	7	2012	2012	NUM
ajeer-4146	60	8	)	)	PUNCT
ajeer-4146	60	9	provided	provide	VERB
ajeer-4146	60	10	a	a	DET
ajeer-4146	60	11	descriptive	descriptive	ADJ
ajeer-4146	60	12	statistical	statistical	ADJ
ajeer-4146	60	13	analysis	analysis	NOUN
ajeer-4146	60	14	of	of	ADP
ajeer-4146	60	15	the	the	DET
ajeer-4146	60	16	measurement	measurement	NOUN
ajeer-4146	60	17	of	of	ADP
ajeer-4146	60	18	financial	financial	ADJ
ajeer-4146	60	19	inclusion	inclusion	NOUN
ajeer-4146	60	20	in	in	ADP
ajeer-4146	60	21	african	african	ADJ
ajeer-4146	60	22	countries	country	NOUN
ajeer-4146	60	23	,	,	PUNCT
ajeer-4146	60	24	while	while	SCONJ
ajeer-4146	60	25	efobi	efobi	PROPN
ajeer-4146	60	26	et	et	PROPN
ajeer-4146	60	27	al	al	PROPN
ajeer-4146	60	28	.	.	PROPN
ajeer-4146	61	1	(	(	PUNCT
ajeer-4146	61	2	2014	2014	NUM
ajeer-4146	61	3	)	)	PUNCT
ajeer-4146	61	4	and	and	CCONJ
ajeer-4146	61	5	mohammed	mohammed	PROPN
ajeer-4146	61	6	et	et	PROPN
ajeer-4146	61	7	al	al	PROPN
ajeer-4146	61	8	.	.	PROPN
ajeer-4146	62	1	(	(	PUNCT
ajeer-4146	62	2	2017	2017	NUM
ajeer-4146	62	3	)	)	PUNCT
ajeer-4146	62	4	used	use	VERB
ajeer-4146	62	5	global	global	ADJ
ajeer-4146	62	6	findex	findex	PROPN
ajeer-4146	62	7	data	datum	NOUN
ajeer-4146	62	8	to	to	PART
ajeer-4146	62	9	study	study	VERB
ajeer-4146	62	10	the	the	DET
ajeer-4146	62	11	determinants	determinant	NOUN
ajeer-4146	62	12	of	of	ADP
ajeer-4146	62	13	financial	financial	ADJ
ajeer-4146	62	14	inclusion	inclusion	NOUN
ajeer-4146	62	15	in	in	ADP
ajeer-4146	62	16	sub	sub	ADJ
ajeer-4146	62	17	-	-	ADJ
ajeer-4146	62	18	saharan	saharan	ADJ
ajeer-4146	62	19	africa	africa	PROPN
ajeer-4146	62	20	.	.	PUNCT
ajeer-4146	63	1	however	however	ADV
ajeer-4146	63	2	,	,	PUNCT
ajeer-4146	63	3	due	due	ADP
ajeer-4146	63	4	to	to	ADP
ajeer-4146	63	5	the	the	DET
ajeer-4146	63	6	heterogeneity	heterogeneity	NOUN
ajeer-4146	63	7	of	of	ADP
ajeer-4146	63	8	the	the	DET
ajeer-4146	63	9	financial	financial	ADJ
ajeer-4146	63	10	sector	sector	NOUN
ajeer-4146	63	11	in	in	ADP
ajeer-4146	63	12	african	african	ADJ
ajeer-4146	63	13	countries	country	NOUN
ajeer-4146	63	14	,	,	PUNCT
ajeer-4146	63	15	the	the	DET
ajeer-4146	63	16	findings	finding	NOUN
ajeer-4146	63	17	of	of	ADP
ajeer-4146	63	18	these	these	DET
ajeer-4146	63	19	studies	study	NOUN
ajeer-4146	63	20	can	can	AUX
ajeer-4146	63	21	not	not	PART
ajeer-4146	63	22	be	be	AUX
ajeer-4146	63	23	applied	apply	VERB
ajeer-4146	63	24	to	to	ADP
ajeer-4146	63	25	the	the	DET
ajeer-4146	63	26	beninese	beninese	NOUN
ajeer-4146	63	27	context	context	NOUN
ajeer-4146	63	28	.	.	PUNCT
ajeer-4146	64	1	our	our	PRON
ajeer-4146	64	2	study	study	NOUN
ajeer-4146	64	3	extends	extend	VERB
ajeer-4146	64	4	this	this	DET
ajeer-4146	64	5	literature	literature	NOUN
ajeer-4146	64	6	by	by	ADP
ajeer-4146	64	7	analyzing	analyze	VERB
ajeer-4146	64	8	the	the	DET
ajeer-4146	64	9	causal	causal	ADJ
ajeer-4146	64	10	impact	impact	NOUN
ajeer-4146	64	11	of	of	ADP
ajeer-4146	64	12	financial	financial	ADJ
ajeer-4146	64	13	exclusion	exclusion	NOUN
ajeer-4146	64	14	on	on	ADP
ajeer-4146	64	15	poverty	poverty	NOUN
ajeer-4146	64	16	in	in	ADP
ajeer-4146	64	17	benin	benin	PROPN
ajeer-4146	64	18	using	use	VERB
ajeer-4146	64	19	microlevel	microlevel	ADJ
ajeer-4146	64	20	data	datum	NOUN
ajeer-4146	64	21	.	.	PUNCT
ajeer-4146	65	1	2	2	X
ajeer-4146	65	2	.	.	X
ajeer-4146	65	3	data	datum	NOUN
ajeer-4146	65	4	and	and	CCONJ
ajeer-4146	65	5	methodology	methodology	NOUN
ajeer-4146	65	6	the	the	DET
ajeer-4146	65	7	data	datum	NOUN
ajeer-4146	65	8	used	use	VERB
ajeer-4146	65	9	in	in	ADP
ajeer-4146	65	10	this	this	DET
ajeer-4146	65	11	study	study	NOUN
ajeer-4146	65	12	is	be	AUX
ajeer-4146	65	13	from	from	ADP
ajeer-4146	65	14	three	three	NUM
ajeer-4146	65	15	rounds	round	NOUN
ajeer-4146	65	16	(	(	PUNCT
ajeer-4146	65	17	2011	2011	NUM
ajeer-4146	65	18	,	,	PUNCT
ajeer-4146	65	19	2014	2014	NUM
ajeer-4146	65	20	,	,	PUNCT
ajeer-4146	65	21	2017	2017	NUM
ajeer-4146	65	22	)	)	PUNCT
ajeer-4146	65	23	of	of	ADP
ajeer-4146	65	24	benin	benin	PROPN
ajeer-4146	65	25	’s	’s	PART
ajeer-4146	65	26	global	global	PROPN
ajeer-4146	65	27	findex	findex	PROPN
ajeer-4146	65	28	microdata	microdata	NOUN
ajeer-4146	65	29	collected	collect	VERB
ajeer-4146	65	30	by	by	ADP
ajeer-4146	65	31	the	the	DET
ajeer-4146	65	32	world	world	PROPN
ajeer-4146	65	33	bank	bank	PROPN
ajeer-4146	65	34	.	.	PUNCT
ajeer-4146	66	1	in	in	ADP
ajeer-4146	66	2	benin	benin	PROPN
ajeer-4146	66	3	,	,	PUNCT
ajeer-4146	66	4	this	this	DET
ajeer-4146	66	5	survey	survey	NOUN
ajeer-4146	66	6	was	be	AUX
ajeer-4146	66	7	carried	carry	VERB
ajeer-4146	66	8	out	out	ADP
ajeer-4146	66	9	face	face	NOUN
ajeer-4146	66	10	-	-	PUNCT
ajeer-4146	66	11	to	to	ADP
ajeer-4146	66	12	-	-	PUNCT
ajeer-4146	66	13	face	face	NOUN
ajeer-4146	66	14	with	with	ADP
ajeer-4146	66	15	1000	1000	NUM
ajeer-4146	66	16	interviewers	interviewer	NOUN
ajeer-4146	66	17	aged	age	VERB
ajeer-4146	66	18	15	15	NUM
ajeer-4146	66	19	and	and	CCONJ
ajeer-4146	66	20	above	above	ADV
ajeer-4146	66	21	in	in	ADP
ajeer-4146	66	22	the	the	DET
ajeer-4146	66	23	bariba	bariba	NOUN
ajeer-4146	66	24	,	,	PUNCT
ajeer-4146	66	25	fon	fon	PROPN
ajeer-4146	66	26	,	,	PUNCT
ajeer-4146	66	27	french	french	NOUN
ajeer-4146	66	28	,	,	PUNCT
ajeer-4146	66	29	and	and	CCONJ
ajeer-4146	66	30	anago	anago	PROPN
ajeer-4146	66	31	languages	language	NOUN
ajeer-4146	66	32	.	.	PUNCT
ajeer-4146	67	1	asian	asian	ADJ
ajeer-4146	67	2	journal	journal	PROPN
ajeer-4146	67	3	of	of	ADP
ajeer-4146	67	4	economics	economic	NOUN
ajeer-4146	67	5	and	and	CCONJ
ajeer-4146	67	6	empirical	empirical	ADJ
ajeer-4146	67	7	research	research	NOUN
ajeer-4146	67	8	,	,	PUNCT
ajeer-4146	67	9	2022	2022	NUM
ajeer-4146	67	10	,	,	PUNCT
ajeer-4146	67	11	9(2	9(2	NUM
ajeer-4146	67	12	):	):	PUNCT
ajeer-4146	67	13	121	121	NUM
ajeer-4146	67	14	-	-	SYM
ajeer-4146	67	15	131	131	NUM
ajeer-4146	67	16	123	123	NUM
ajeer-4146	67	17	©	©	PROPN
ajeer-4146	67	18	2022	2022	NUM
ajeer-4146	67	19	by	by	ADP
ajeer-4146	67	20	the	the	DET
ajeer-4146	67	21	authors	author	NOUN
ajeer-4146	67	22	;	;	PUNCT
ajeer-4146	67	23	licensee	licensee	PROPN
ajeer-4146	67	24	asian	asian	ADJ
ajeer-4146	67	25	online	online	PROPN
ajeer-4146	67	26	journal	journal	PROPN
ajeer-4146	67	27	publishing	publishing	NOUN
ajeer-4146	67	28	group	group	NOUN
ajeer-4146	67	29	2.1	2.1	NUM
ajeer-4146	67	30	.	.	PUNCT
ajeer-4146	67	31	measure	measure	NOUN
ajeer-4146	67	32	of	of	ADP
ajeer-4146	67	33	poverty	poverty	NOUN
ajeer-4146	67	34	and	and	CCONJ
ajeer-4146	67	35	financial	financial	ADJ
ajeer-4146	67	36	exclusion	exclusion	NOUN
ajeer-4146	67	37	2.1.1	2.1.1	NUM
ajeer-4146	67	38	.	.	PUNCT
ajeer-4146	68	1	poverty	poverty	NOUN
ajeer-4146	68	2	we	we	PRON
ajeer-4146	68	3	measured	measure	VERB
ajeer-4146	68	4	poverty	poverty	NOUN
ajeer-4146	68	5	using	use	VERB
ajeer-4146	68	6	the	the	DET
ajeer-4146	68	7	individuals	individual	NOUN
ajeer-4146	68	8	’	'	PUNCT
ajeer-4146	68	9	income	income	NOUN
ajeer-4146	68	10	quintiles	quintile	NOUN
ajeer-4146	68	11	that	that	PRON
ajeer-4146	68	12	have	have	AUX
ajeer-4146	68	13	been	be	AUX
ajeer-4146	68	14	widely	widely	ADV
ajeer-4146	68	15	used	use	VERB
ajeer-4146	68	16	in	in	ADP
ajeer-4146	68	17	the	the	DET
ajeer-4146	68	18	literature	literature	NOUN
ajeer-4146	68	19	(	(	PUNCT
ajeer-4146	68	20	see	see	VERB
ajeer-4146	68	21	dollar	dollar	NOUN
ajeer-4146	68	22	and	and	CCONJ
ajeer-4146	68	23	kraay	kraay	ADJ
ajeer-4146	68	24	(	(	PUNCT
ajeer-4146	68	25	2002	2002	NUM
ajeer-4146	68	26	)	)	PUNCT
ajeer-4146	68	27	and	and	CCONJ
ajeer-4146	68	28	mohammed	mohammed	PROPN
ajeer-4146	68	29	et	et	PROPN
ajeer-4146	68	30	al	al	PROPN
ajeer-4146	68	31	.	.	PROPN
ajeer-4146	69	1	(	(	PUNCT
ajeer-4146	69	2	2017	2017	NUM
ajeer-4146	69	3	)	)	PUNCT
ajeer-4146	69	4	)	)	PUNCT
ajeer-4146	69	5	.	.	PUNCT
ajeer-4146	70	1	we	we	PRON
ajeer-4146	70	2	used	use	VERB
ajeer-4146	70	3	income	income	NOUN
ajeer-4146	70	4	quintile	quintile	NOUN
ajeer-4146	70	5	information	information	NOUN
ajeer-4146	70	6	because	because	SCONJ
ajeer-4146	70	7	it	it	PRON
ajeer-4146	70	8	is	be	AUX
ajeer-4146	70	9	the	the	DET
ajeer-4146	70	10	only	only	ADJ
ajeer-4146	70	11	variable	variable	NOUN
ajeer-4146	70	12	in	in	ADP
ajeer-4146	70	13	the	the	DET
ajeer-4146	70	14	data	datum	NOUN
ajeer-4146	70	15	that	that	PRON
ajeer-4146	70	16	provides	provide	VERB
ajeer-4146	70	17	an	an	DET
ajeer-4146	70	18	ordered	order	VERB
ajeer-4146	70	19	measure	measure	NOUN
ajeer-4146	70	20	of	of	ADP
ajeer-4146	70	21	individual	individual	ADJ
ajeer-4146	70	22	welfare	welfare	NOUN
ajeer-4146	70	23	.	.	PUNCT
ajeer-4146	71	1	we	we	PRON
ajeer-4146	71	2	used	use	VERB
ajeer-4146	71	3	the	the	DET
ajeer-4146	71	4	firstand	firstand	ADJ
ajeer-4146	71	5	second	second	ADJ
ajeer-4146	71	6	-	-	PUNCT
ajeer-4146	71	7	income	income	NOUN
ajeer-4146	71	8	quintile	quintile	NOUN
ajeer-4146	71	9	as	as	ADP
ajeer-4146	71	10	a	a	DET
ajeer-4146	71	11	proxy	proxy	NOUN
ajeer-4146	71	12	for	for	SCONJ
ajeer-4146	71	13	poverty	poverty	NOUN
ajeer-4146	71	14	to	to	PART
ajeer-4146	71	15	account	account	VERB
ajeer-4146	71	16	for	for	ADP
ajeer-4146	71	17	the	the	DET
ajeer-4146	71	18	actual	actual	ADJ
ajeer-4146	71	19	poverty	poverty	NOUN
ajeer-4146	71	20	rate	rate	NOUN
ajeer-4146	71	21	in	in	ADP
ajeer-4146	71	22	benin	benin	PROPN
ajeer-4146	71	23	,	,	PUNCT
ajeer-4146	71	24	which	which	PRON
ajeer-4146	71	25	was	be	AUX
ajeer-4146	71	26	40.1	40.1	NUM
ajeer-4146	71	27	%	%	NOUN
ajeer-4146	71	28	in	in	ADP
ajeer-4146	71	29	2015	2015	NUM
ajeer-4146	71	30	(	(	PUNCT
ajeer-4146	71	31	du	du	PROPN
ajeer-4146	71	32	volet	volet	PROPN
ajeer-4146	71	33	&	&	CCONJ
ajeer-4146	71	34	du	du	PROPN
ajeer-4146	71	35	temps	temps	PROPN
ajeer-4146	71	36	,	,	PUNCT
ajeer-4146	71	37	2015	2015	NUM
ajeer-4146	71	38	)	)	PUNCT
ajeer-4146	71	39	.	.	PUNCT
ajeer-4146	72	1	table	table	NOUN
ajeer-4146	72	2	1	1	NUM
ajeer-4146	72	3	.	.	PUNCT
ajeer-4146	73	1	definition	definition	NOUN
ajeer-4146	73	2	of	of	ADP
ajeer-4146	73	3	the	the	DET
ajeer-4146	73	4	dimensions	dimension	NOUN
ajeer-4146	73	5	of	of	ADP
ajeer-4146	73	6	financial	financial	ADJ
ajeer-4146	73	7	inclusion	inclusion	NOUN
ajeer-4146	73	8	(	(	PUNCT
ajeer-4146	73	9	for	for	ADP
ajeer-4146	73	10	the	the	DET
ajeer-4146	73	11	2014	2014	NUM
ajeer-4146	73	12	and	and	CCONJ
ajeer-4146	73	13	2017	2017	NUM
ajeer-4146	73	14	databases	database	NOUN
ajeer-4146	73	15	)	)	PUNCT
ajeer-4146	73	16	.	.	PUNCT
ajeer-4146	74	1	dimension	dimension	NOUN
ajeer-4146	74	2	(	(	PUNCT
ajeer-4146	74	3	weight	weight	NOUN
ajeer-4146	74	4	)	)	PUNCT
ajeer-4146	74	5	indicator	indicator	NOUN
ajeer-4146	74	6	(	(	PUNCT
ajeer-4146	74	7	weight	weight	NOUN
ajeer-4146	74	8	)	)	PUNCT
ajeer-4146	74	9	measurement	measurement	NOUN
ajeer-4146	74	10	=	=	NOUN
ajeer-4146	74	11	1	1	NUM
ajeer-4146	74	12	if	if	SCONJ
ajeer-4146	74	13	...	...	PUNCT
ajeer-4146	74	14	and	and	CCONJ
ajeer-4146	74	15	zero	zero	NUM
ajeer-4146	74	16	otherwise	otherwise	ADV
ajeer-4146	74	17	account	account	VERB
ajeer-4146	74	18	ownership	ownership	NOUN
ajeer-4146	74	19	1/6	1/6	NUM
ajeer-4146	74	20	formal	formal	ADJ
ajeer-4146	74	21	savings	saving	NOUN
ajeer-4146	74	22	account	account	VERB
ajeer-4146	74	23	1/6	1/6	NOUN
ajeer-4146	74	24	the	the	DET
ajeer-4146	74	25	individual	individual	NOUN
ajeer-4146	74	26	has	have	AUX
ajeer-4146	74	27	account	account	VERB
ajeer-4146	74	28	at	at	ADP
ajeer-4146	74	29	a	a	DET
ajeer-4146	74	30	formal	formal	ADJ
ajeer-4146	74	31	financial	financial	ADJ
ajeer-4146	74	32	institution	institution	NOUN
ajeer-4146	74	33	(	(	PUNCT
ajeer-4146	74	34	fi	fi	NOUN
ajeer-4146	74	35	)	)	PUNCT
ajeer-4146	74	36	account	account	NOUN
ajeer-4146	74	37	use	use	NOUN
ajeer-4146	74	38	1/6	1/6	NUM
ajeer-4146	74	39	deposit	deposit	NOUN
ajeer-4146	74	40	1/12	1/12	NUM
ajeer-4146	74	41	the	the	DET
ajeer-4146	74	42	individual	individual	NOUN
ajeer-4146	74	43	made	make	VERB
ajeer-4146	74	44	a	a	DET
ajeer-4146	74	45	deposit	deposit	NOUN
ajeer-4146	74	46	in	in	ADP
ajeer-4146	74	47	the	the	DET
ajeer-4146	74	48	past	past	ADJ
ajeer-4146	74	49	12	12	NUM
ajeer-4146	74	50	months	month	NOUN
ajeer-4146	74	51	in	in	ADP
ajeer-4146	74	52	a	a	DET
ajeer-4146	74	53	formal	formal	ADJ
ajeer-4146	74	54	fi	fi	NOUN
ajeer-4146	74	55	withdrawal	withdrawal	NOUN
ajeer-4146	74	56	1/12	1/12	NUM
ajeer-4146	74	57	the	the	DET
ajeer-4146	74	58	individual	individual	NOUN
ajeer-4146	74	59	has	have	AUX
ajeer-4146	74	60	withdrawn	withdraw	VERB
ajeer-4146	74	61	money	money	NOUN
ajeer-4146	74	62	in	in	ADP
ajeer-4146	74	63	the	the	DET
ajeer-4146	74	64	past	past	ADJ
ajeer-4146	74	65	12	12	NUM
ajeer-4146	74	66	months	month	NOUN
ajeer-4146	74	67	from	from	ADP
ajeer-4146	74	68	a	a	DET
ajeer-4146	74	69	formal	formal	ADJ
ajeer-4146	74	70	fi	fi	NOUN
ajeer-4146	74	71	financial	financial	ADJ
ajeer-4146	74	72	resilience	resilience	NOUN
ajeer-4146	74	73	1/6	1/6	NUM
ajeer-4146	74	74	emergency	emergency	NOUN
ajeer-4146	74	75	funds	fund	NOUN
ajeer-4146	74	76	1/6	1/6	NUM
ajeer-4146	74	77	the	the	DET
ajeer-4146	74	78	individual	individual	NOUN
ajeer-4146	74	79	is	be	AUX
ajeer-4146	74	80	able	able	ADJ
ajeer-4146	74	81	to	to	PART
ajeer-4146	74	82	come	come	VERB
ajeer-4146	74	83	up	up	ADP
ajeer-4146	74	84	with	with	ADP
ajeer-4146	74	85	1/20	1/20	NUM
ajeer-4146	74	86	of	of	ADP
ajeer-4146	74	87	the	the	DET
ajeer-4146	74	88	gni	gni	NOUN
ajeer-4146	74	89	per	per	ADP
ajeer-4146	74	90	capita	capita	X
ajeer-4146	74	91	in	in	ADP
ajeer-4146	74	92	local	local	ADJ
ajeer-4146	74	93	currency	currency	NOUN
ajeer-4146	74	94	within	within	ADP
ajeer-4146	74	95	the	the	DET
ajeer-4146	74	96	next	next	ADJ
ajeer-4146	74	97	month	month	NOUN
ajeer-4146	74	98	savings	saving	NOUN
ajeer-4146	74	99	1/6	1/6	NUM
ajeer-4146	74	100	business	business	NOUN
ajeer-4146	74	101	/	/	SYM
ajeer-4146	74	102	farm	farm	NOUN
ajeer-4146	74	103	1/18	1/18	NUM
ajeer-4146	74	104	the	the	DET
ajeer-4146	74	105	individual	individual	NOUN
ajeer-4146	74	106	saved	save	VERB
ajeer-4146	74	107	for	for	ADP
ajeer-4146	74	108	a	a	DET
ajeer-4146	74	109	business	business	NOUN
ajeer-4146	74	110	/	/	SYM
ajeer-4146	74	111	farm	farm	NOUN
ajeer-4146	74	112	purpose	purpose	NOUN
ajeer-4146	74	113	in	in	ADP
ajeer-4146	74	114	the	the	DET
ajeer-4146	74	115	past	past	ADJ
ajeer-4146	74	116	12	12	NUM
ajeer-4146	74	117	months	month	NOUN
ajeer-4146	74	118	old	old	ADJ
ajeer-4146	74	119	age	age	NOUN
ajeer-4146	74	120	1/18	1/18	NUM
ajeer-4146	74	121	the	the	DET
ajeer-4146	74	122	individual	individual	NOUN
ajeer-4146	74	123	saved	save	VERB
ajeer-4146	74	124	for	for	ADP
ajeer-4146	74	125	old	old	ADJ
ajeer-4146	74	126	age	age	NOUN
ajeer-4146	74	127	in	in	ADP
ajeer-4146	74	128	the	the	DET
ajeer-4146	74	129	past	past	ADJ
ajeer-4146	74	130	12	12	NUM
ajeer-4146	74	131	months	month	NOUN
ajeer-4146	74	132	saved	save	VERB
ajeer-4146	74	133	at	at	ADP
ajeer-4146	74	134	a	a	DET
ajeer-4146	74	135	financial	financial	ADJ
ajeer-4146	74	136	institution	institution	NOUN
ajeer-4146	74	137	1/18	1/18	NUM
ajeer-4146	74	138	the	the	DET
ajeer-4146	74	139	individual	individual	NOUN
ajeer-4146	74	140	saved	save	VERB
ajeer-4146	74	141	at	at	ADP
ajeer-4146	74	142	a	a	DET
ajeer-4146	74	143	formal	formal	ADJ
ajeer-4146	74	144	fi	fi	NOUN
ajeer-4146	74	145	in	in	ADP
ajeer-4146	74	146	the	the	DET
ajeer-4146	74	147	past	past	ADJ
ajeer-4146	74	148	12	12	NUM
ajeer-4146	74	149	months	month	NOUN
ajeer-4146	74	150	credits	credit	VERB
ajeer-4146	74	151	1/6	1/6	PRON
ajeer-4146	74	152	loan	loan	NOUN
ajeer-4146	74	153	for	for	ADP
ajeer-4146	74	154	apartment	apartment	NOUN
ajeer-4146	74	155	1/24	1/24	NUM
ajeer-4146	74	156	the	the	DET
ajeer-4146	74	157	individual	individual	NOUN
ajeer-4146	74	158	took	take	VERB
ajeer-4146	74	159	out	out	ADP
ajeer-4146	74	160	a	a	DET
ajeer-4146	74	161	loan	loan	NOUN
ajeer-4146	74	162	from	from	ADP
ajeer-4146	74	163	an	an	DET
ajeer-4146	74	164	fi	fi	NOUN
ajeer-4146	74	165	to	to	PART
ajeer-4146	74	166	purchase	purchase	VERB
ajeer-4146	74	167	a	a	DET
ajeer-4146	74	168	home	home	NOUN
ajeer-4146	74	169	,	,	PUNCT
ajeer-4146	74	170	apartment	apartment	NOUN
ajeer-4146	74	171	or	or	CCONJ
ajeer-4146	74	172	land	land	NOUN
ajeer-4146	74	173	medical	medical	ADJ
ajeer-4146	74	174	borrowing	borrowing	NOUN
ajeer-4146	74	175	1/24	1/24	NUM
ajeer-4146	74	176	the	the	DET
ajeer-4146	74	177	individual	individual	NOUN
ajeer-4146	74	178	borrowed	borrow	VERB
ajeer-4146	74	179	for	for	ADP
ajeer-4146	74	180	health	health	NOUN
ajeer-4146	74	181	or	or	CCONJ
ajeer-4146	74	182	medical	medical	ADJ
ajeer-4146	74	183	purposes	purpose	NOUN
ajeer-4146	74	184	in	in	ADP
ajeer-4146	74	185	the	the	DET
ajeer-4146	74	186	past	past	ADJ
ajeer-4146	74	187	12	12	NUM
ajeer-4146	74	188	months	month	NOUN
ajeer-4146	74	189	business	business	NOUN
ajeer-4146	74	190	borrowing	borrow	VERB
ajeer-4146	74	191	1/24	1/24	NUM
ajeer-4146	74	192	the	the	DET
ajeer-4146	74	193	individual	individual	NOUN
ajeer-4146	74	194	borrowed	borrow	VERB
ajeer-4146	74	195	for	for	ADP
ajeer-4146	74	196	business	business	NOUN
ajeer-4146	74	197	/	/	SYM
ajeer-4146	74	198	farm	farm	NOUN
ajeer-4146	74	199	purposes	purpose	NOUN
ajeer-4146	74	200	in	in	ADP
ajeer-4146	74	201	the	the	DET
ajeer-4146	74	202	past	past	ADJ
ajeer-4146	74	203	12	12	NUM
ajeer-4146	74	204	months	month	NOUN
ajeer-4146	74	205	fi	fi	NOUN
ajeer-4146	74	206	borrowing	borrow	VERB
ajeer-4146	74	207	1/24	1/24	NUM
ajeer-4146	74	208	the	the	DET
ajeer-4146	74	209	individual	individual	NOUN
ajeer-4146	74	210	borrowed	borrow	VERB
ajeer-4146	74	211	from	from	ADP
ajeer-4146	74	212	a	a	DET
ajeer-4146	74	213	bank	bank	NOUN
ajeer-4146	74	214	or	or	CCONJ
ajeer-4146	74	215	another	another	DET
ajeer-4146	74	216	formal	formal	ADJ
ajeer-4146	74	217	fi	fi	NOUN
ajeer-4146	74	218	in	in	ADP
ajeer-4146	74	219	the	the	DET
ajeer-4146	74	220	past	past	ADJ
ajeer-4146	74	221	12	12	NUM
ajeer-4146	74	222	months	month	NOUN
ajeer-4146	74	223	online	online	ADJ
ajeer-4146	74	224	transactions	transaction	NOUN
ajeer-4146	74	225	1/6	1/6	PRON
ajeer-4146	74	226	bill	bill	NOUN
ajeer-4146	74	227	payment	payment	NOUN
ajeer-4146	74	228	(	(	PUNCT
ajeer-4146	74	229	only	only	ADV
ajeer-4146	74	230	for	for	ADP
ajeer-4146	74	231	2017	2017	NUM
ajeer-4146	74	232	)	)	PUNCT
ajeer-4146	74	233	1/18	1/18	NUM
ajeer-4146	74	234	the	the	DET
ajeer-4146	74	235	individual	individual	NOUN
ajeer-4146	74	236	made	make	VERB
ajeer-4146	74	237	a	a	DET
ajeer-4146	74	238	bill	bill	NOUN
ajeer-4146	74	239	payment	payment	NOUN
ajeer-4146	74	240	online	online	ADV
ajeer-4146	74	241	using	use	VERB
ajeer-4146	74	242	the	the	DET
ajeer-4146	74	243	internet	internet	NOUN
ajeer-4146	74	244	in	in	ADP
ajeer-4146	74	245	the	the	DET
ajeer-4146	74	246	past	past	ADJ
ajeer-4146	74	247	12	12	NUM
ajeer-4146	74	248	months	month	NOUN
ajeer-4146	74	249	bought	buy	VERB
ajeer-4146	74	250	online	online	ADV
ajeer-4146	74	251	(	(	PUNCT
ajeer-4146	74	252	only	only	ADV
ajeer-4146	74	253	for	for	ADP
ajeer-4146	74	254	2017	2017	NUM
ajeer-4146	74	255	)	)	PUNCT
ajeer-4146	74	256	1/18	1/18	NUM
ajeer-4146	74	257	the	the	DET
ajeer-4146	74	258	individual	individual	NOUN
ajeer-4146	74	259	bought	buy	VERB
ajeer-4146	74	260	something	something	PRON
ajeer-4146	74	261	online	online	ADV
ajeer-4146	74	262	using	use	VERB
ajeer-4146	74	263	the	the	DET
ajeer-4146	74	264	internet	internet	NOUN
ajeer-4146	74	265	in	in	ADP
ajeer-4146	74	266	the	the	DET
ajeer-4146	74	267	past	past	ADJ
ajeer-4146	74	268	12	12	NUM
ajeer-4146	74	269	months	month	NOUN
ajeer-4146	74	270	paid	pay	VERB
ajeer-4146	74	271	online	online	PROPN
ajeer-4146	74	272	1/18	1/18	NUM
ajeer-4146	74	273	the	the	DET
ajeer-4146	74	274	individual	individual	NOUN
ajeer-4146	74	275	paid	pay	VERB
ajeer-4146	74	276	for	for	ADP
ajeer-4146	74	277	goods	good	NOUN
ajeer-4146	74	278	for	for	ADP
ajeer-4146	74	279	delivery	delivery	NOUN
ajeer-4146	74	280	online	online	ADV
ajeer-4146	74	281	or	or	CCONJ
ajeer-4146	74	282	in	in	ADP
ajeer-4146	74	283	cash	cash	NOUN
ajeer-4146	74	284	in	in	ADP
ajeer-4146	74	285	the	the	DET
ajeer-4146	74	286	past	past	ADJ
ajeer-4146	74	287	12	12	NUM
ajeer-4146	74	288	months	month	NOUN
ajeer-4146	74	289	table	table	NOUN
ajeer-4146	74	290	2	2	NUM
ajeer-4146	74	291	.	.	PUNCT
ajeer-4146	74	292	definition	definition	NOUN
ajeer-4146	74	293	of	of	ADP
ajeer-4146	74	294	the	the	DET
ajeer-4146	74	295	dimensions	dimension	NOUN
ajeer-4146	74	296	of	of	ADP
ajeer-4146	74	297	financial	financial	ADJ
ajeer-4146	74	298	inclusion	inclusion	NOUN
ajeer-4146	74	299	(	(	PUNCT
ajeer-4146	74	300	2011	2011	NUM
ajeer-4146	74	301	)	)	PUNCT
ajeer-4146	74	302	.	.	PUNCT
ajeer-4146	75	1	dimension	dimension	NOUN
ajeer-4146	75	2	(	(	PUNCT
ajeer-4146	75	3	weight	weight	NOUN
ajeer-4146	75	4	)	)	PUNCT
ajeer-4146	75	5	indicator	indicator	NOUN
ajeer-4146	75	6	(	(	PUNCT
ajeer-4146	75	7	weight	weight	NOUN
ajeer-4146	75	8	)	)	PUNCT
ajeer-4146	75	9	measurement	measurement	NOUN
ajeer-4146	75	10	=	=	NOUN
ajeer-4146	75	11	1	1	NUM
ajeer-4146	75	12	if	if	SCONJ
ajeer-4146	75	13	...	...	PUNCT
ajeer-4146	75	14	and	and	CCONJ
ajeer-4146	75	15	zero	zero	NUM
ajeer-4146	75	16	otherwise	otherwise	ADV
ajeer-4146	75	17	account	account	VERB
ajeer-4146	75	18	ownership	ownership	NOUN
ajeer-4146	75	19	1/6	1/6	NUM
ajeer-4146	75	20	formal	formal	ADJ
ajeer-4146	75	21	savings	saving	NOUN
ajeer-4146	75	22	account	account	VERB
ajeer-4146	75	23	1/6	1/6	NUM
ajeer-4146	75	24	the	the	DET
ajeer-4146	75	25	individual	individual	NOUN
ajeer-4146	75	26	has	have	VERB
ajeer-4146	75	27	an	an	DET
ajeer-4146	75	28	account	account	NOUN
ajeer-4146	75	29	at	at	ADP
ajeer-4146	75	30	a	a	DET
ajeer-4146	75	31	formal	formal	ADJ
ajeer-4146	75	32	financial	financial	ADJ
ajeer-4146	75	33	institution	institution	NOUN
ajeer-4146	75	34	(	(	PUNCT
ajeer-4146	75	35	fi	fi	NOUN
ajeer-4146	75	36	)	)	PUNCT
ajeer-4146	75	37	account	account	NOUN
ajeer-4146	75	38	use	use	NOUN
ajeer-4146	75	39	1/6	1/6	NUM
ajeer-4146	75	40	debit	debit	NOUN
ajeer-4146	75	41	card	card	NOUN
ajeer-4146	75	42	1/24	1/24	NUM
ajeer-4146	75	43	the	the	DET
ajeer-4146	75	44	individual	individual	NOUN
ajeer-4146	75	45	has	have	VERB
ajeer-4146	75	46	a	a	DET
ajeer-4146	75	47	debit	debit	NOUN
ajeer-4146	75	48	card	card	NOUN
ajeer-4146	75	49	credit	credit	NOUN
ajeer-4146	75	50	card	card	NOUN
ajeer-4146	75	51	1/24	1/24	NUM
ajeer-4146	75	52	the	the	DET
ajeer-4146	75	53	individual	individual	NOUN
ajeer-4146	75	54	has	have	VERB
ajeer-4146	75	55	a	a	DET
ajeer-4146	75	56	credit	credit	NOUN
ajeer-4146	75	57	card	card	NOUN
ajeer-4146	75	58	received	receive	VERB
ajeer-4146	75	59	wages	wage	NOUN
ajeer-4146	75	60	1/24	1/24	NUM
ajeer-4146	75	61	the	the	DET
ajeer-4146	75	62	individual	individual	NOUN
ajeer-4146	75	63	received	receive	VERB
ajeer-4146	75	64	wages	wage	NOUN
ajeer-4146	75	65	in	in	ADP
ajeer-4146	75	66	the	the	DET
ajeer-4146	75	67	past	past	ADJ
ajeer-4146	75	68	12	12	NUM
ajeer-4146	75	69	months	month	NOUN
ajeer-4146	75	70	using	use	VERB
ajeer-4146	75	71	an	an	DET
ajeer-4146	75	72	fi	fi	NOUN
ajeer-4146	75	73	account	account	NOUN
ajeer-4146	75	74	gov	gov	PROPN
ajeer-4146	75	75	.	.	PROPN
ajeer-4146	75	76	transfer	transfer	VERB
ajeer-4146	75	77	1/24	1/24	NUM
ajeer-4146	75	78	the	the	DET
ajeer-4146	75	79	individual	individual	NOUN
ajeer-4146	75	80	received	receive	VERB
ajeer-4146	75	81	a	a	DET
ajeer-4146	75	82	gov	gov	PROPN
ajeer-4146	75	83	.	.	PROPN
ajeer-4146	75	84	transfer	transfer	NOUN
ajeer-4146	75	85	using	use	VERB
ajeer-4146	75	86	a	a	DET
ajeer-4146	75	87	formal	formal	ADJ
ajeer-4146	75	88	fi	fi	NOUN
ajeer-4146	75	89	account	account	NOUN
ajeer-4146	75	90	insurance	insurance	NOUN
ajeer-4146	75	91	1/6	1/6	NUM
ajeer-4146	75	92	insurance	insurance	NOUN
ajeer-4146	75	93	use	use	NOUN
ajeer-4146	75	94	1/6	1/6	NOUN
ajeer-4146	75	95	the	the	DET
ajeer-4146	75	96	individual	individual	NOUN
ajeer-4146	75	97	has	have	VERB
ajeer-4146	75	98	personal	personal	ADJ
ajeer-4146	75	99	health	health	NOUN
ajeer-4146	75	100	insurance	insurance	NOUN
ajeer-4146	75	101	savings	saving	NOUN
ajeer-4146	75	102	1/6	1/6	NUM
ajeer-4146	75	103	emergency	emergency	NOUN
ajeer-4146	75	104	1/18	1/18	NUM
ajeer-4146	75	105	the	the	DET
ajeer-4146	75	106	individual	individual	NOUN
ajeer-4146	75	107	saved	save	VERB
ajeer-4146	75	108	for	for	ADP
ajeer-4146	75	109	emergency	emergency	NOUN
ajeer-4146	75	110	purposes	purpose	NOUN
ajeer-4146	75	111	in	in	ADP
ajeer-4146	75	112	the	the	DET
ajeer-4146	75	113	past	past	ADJ
ajeer-4146	75	114	12	12	NUM
ajeer-4146	75	115	months	month	NOUN
ajeer-4146	75	116	future	future	ADJ
ajeer-4146	75	117	expenses	expense	VERB
ajeer-4146	75	118	1/18	1/18	NUM
ajeer-4146	75	119	the	the	DET
ajeer-4146	75	120	individual	individual	NOUN
ajeer-4146	75	121	saved	save	VERB
ajeer-4146	75	122	for	for	ADP
ajeer-4146	75	123	future	future	ADJ
ajeer-4146	75	124	expenses	expense	NOUN
ajeer-4146	75	125	in	in	ADP
ajeer-4146	75	126	the	the	DET
ajeer-4146	75	127	past	past	ADJ
ajeer-4146	75	128	12	12	NUM
ajeer-4146	75	129	months	month	NOUN
ajeer-4146	75	130	saved	save	VERB
ajeer-4146	75	131	at	at	ADP
ajeer-4146	75	132	a	a	DET
ajeer-4146	75	133	financial	financial	ADJ
ajeer-4146	75	134	institution	institution	NOUN
ajeer-4146	75	135	1/18	1/18	NUM
ajeer-4146	75	136	the	the	DET
ajeer-4146	75	137	individual	individual	NOUN
ajeer-4146	75	138	saved	save	VERB
ajeer-4146	75	139	at	at	ADP
ajeer-4146	75	140	a	a	DET
ajeer-4146	75	141	formal	formal	ADJ
ajeer-4146	75	142	fi	fi	NOUN
ajeer-4146	75	143	in	in	ADP
ajeer-4146	75	144	the	the	DET
ajeer-4146	75	145	past	past	ADJ
ajeer-4146	75	146	12	12	NUM
ajeer-4146	75	147	months	month	NOUN
ajeer-4146	75	148	credits	credit	VERB
ajeer-4146	75	149	1/6	1/6	PRON
ajeer-4146	75	150	loan	loan	NOUN
ajeer-4146	75	151	for	for	ADP
ajeer-4146	75	152	apartment	apartment	NOUN
ajeer-4146	75	153	1/12	1/12	NUM
ajeer-4146	75	154	the	the	DET
ajeer-4146	75	155	individual	individual	NOUN
ajeer-4146	75	156	took	take	VERB
ajeer-4146	75	157	out	out	ADP
ajeer-4146	75	158	a	a	DET
ajeer-4146	75	159	loan	loan	NOUN
ajeer-4146	75	160	from	from	ADP
ajeer-4146	75	161	an	an	DET
ajeer-4146	75	162	fi	fi	NOUN
ajeer-4146	75	163	to	to	PART
ajeer-4146	75	164	purchase	purchase	VERB
ajeer-4146	75	165	a	a	DET
ajeer-4146	75	166	home	home	NOUN
ajeer-4146	75	167	,	,	PUNCT
ajeer-4146	75	168	apartment	apartment	NOUN
ajeer-4146	75	169	or	or	CCONJ
ajeer-4146	75	170	land	land	NOUN
ajeer-4146	75	171	fi	fi	NOUN
ajeer-4146	75	172	borrowing	borrow	VERB
ajeer-4146	75	173	1/12	1/12	NUM
ajeer-4146	75	174	the	the	DET
ajeer-4146	75	175	individual	individual	NOUN
ajeer-4146	75	176	borrowed	borrow	VERB
ajeer-4146	75	177	from	from	ADP
ajeer-4146	75	178	a	a	DET
ajeer-4146	75	179	bank	bank	NOUN
ajeer-4146	75	180	or	or	CCONJ
ajeer-4146	75	181	another	another	DET
ajeer-4146	75	182	formal	formal	ADJ
ajeer-4146	75	183	fi	fi	NOUN
ajeer-4146	75	184	in	in	ADP
ajeer-4146	75	185	the	the	DET
ajeer-4146	75	186	past	past	ADJ
ajeer-4146	75	187	12	12	NUM
ajeer-4146	75	188	months	month	NOUN
ajeer-4146	75	189	online	online	ADJ
ajeer-4146	75	190	transactions	transaction	NOUN
ajeer-4146	75	191	1/6	1/6	PRON
ajeer-4146	75	192	bill	bill	NOUN
ajeer-4146	75	193	payment	payment	NOUN
ajeer-4146	75	194	1/6	1/6	NUM
ajeer-4146	75	195	the	the	DET
ajeer-4146	75	196	individual	individual	NOUN
ajeer-4146	75	197	made	make	VERB
ajeer-4146	75	198	a	a	DET
ajeer-4146	75	199	bill	bill	NOUN
ajeer-4146	75	200	payment	payment	NOUN
ajeer-4146	75	201	online	online	ADV
ajeer-4146	75	202	in	in	ADP
ajeer-4146	75	203	the	the	DET
ajeer-4146	75	204	past	past	ADJ
ajeer-4146	75	205	12	12	NUM
ajeer-4146	75	206	months	month	NOUN
ajeer-4146	75	207	asian	asian	ADJ
ajeer-4146	75	208	journal	journal	NOUN
ajeer-4146	75	209	of	of	ADP
ajeer-4146	75	210	economics	economic	NOUN
ajeer-4146	75	211	and	and	CCONJ
ajeer-4146	75	212	empirical	empirical	ADJ
ajeer-4146	75	213	research	research	NOUN
ajeer-4146	75	214	,	,	PUNCT
ajeer-4146	75	215	2022	2022	NUM
ajeer-4146	75	216	,	,	PUNCT
ajeer-4146	75	217	9(2	9(2	NUM
ajeer-4146	75	218	):	):	PUNCT
ajeer-4146	75	219	121	121	NUM
ajeer-4146	75	220	-	-	SYM
ajeer-4146	75	221	131	131	NUM
ajeer-4146	75	222	124	124	NUM
ajeer-4146	75	223	©	©	PROPN
ajeer-4146	75	224	2022	2022	NUM
ajeer-4146	75	225	by	by	ADP
ajeer-4146	75	226	the	the	DET
ajeer-4146	75	227	authors	author	NOUN
ajeer-4146	75	228	;	;	PUNCT
ajeer-4146	75	229	licensee	licensee	PROPN
ajeer-4146	75	230	asian	asian	ADJ
ajeer-4146	75	231	online	online	PROPN
ajeer-4146	75	232	journal	journal	PROPN
ajeer-4146	75	233	publishing	publishing	PROPN
ajeer-4146	75	234	group	group	PROPN
ajeer-4146	75	235	2.1.2	2.1.2	PROPN
ajeer-4146	75	236	.	.	PUNCT
ajeer-4146	76	1	financial	financial	ADJ
ajeer-4146	76	2	exclusion	exclusion	NOUN
ajeer-4146	76	3	financial	financial	ADJ
ajeer-4146	76	4	inclusion	inclusion	NOUN
ajeer-4146	76	5	is	be	AUX
ajeer-4146	76	6	measured	measure	VERB
ajeer-4146	76	7	in	in	ADP
ajeer-4146	76	8	this	this	DET
ajeer-4146	76	9	study	study	NOUN
ajeer-4146	76	10	using	use	VERB
ajeer-4146	76	11	six	six	NUM
ajeer-4146	76	12	dimensions	dimension	NOUN
ajeer-4146	76	13	(	(	PUNCT
ajeer-4146	76	14	account	account	NOUN
ajeer-4146	76	15	ownership	ownership	NOUN
ajeer-4146	76	16	,	,	PUNCT
ajeer-4146	76	17	credit	credit	NOUN
ajeer-4146	76	18	access	access	NOUN
ajeer-4146	76	19	,	,	PUNCT
ajeer-4146	76	20	savings	saving	NOUN
ajeer-4146	76	21	,	,	PUNCT
ajeer-4146	76	22	financial	financial	ADJ
ajeer-4146	76	23	resilience	resilience	NOUN
ajeer-4146	76	24	/	/	SYM
ajeer-4146	76	25	insurance	insurance	NOUN
ajeer-4146	76	26	,	,	PUNCT
ajeer-4146	76	27	financial	financial	ADJ
ajeer-4146	76	28	account	account	NOUN
ajeer-4146	76	29	use	use	NOUN
ajeer-4146	76	30	,	,	PUNCT
ajeer-4146	76	31	and	and	CCONJ
ajeer-4146	76	32	online	online	ADJ
ajeer-4146	76	33	transactions	transaction	NOUN
ajeer-4146	76	34	)	)	PUNCT
ajeer-4146	76	35	.	.	PUNCT
ajeer-4146	77	1	we	we	PRON
ajeer-4146	77	2	computed	compute	VERB
ajeer-4146	77	3	the	the	DET
ajeer-4146	77	4	financial	financial	ADJ
ajeer-4146	77	5	inclusion	inclusion	NOUN
ajeer-4146	77	6	index	index	NOUN
ajeer-4146	77	7	by	by	ADP
ajeer-4146	77	8	assigning	assign	VERB
ajeer-4146	77	9	equal	equal	ADJ
ajeer-4146	77	10	weight	weight	NOUN
ajeer-4146	77	11	to	to	ADP
ajeer-4146	77	12	all	all	DET
ajeer-4146	77	13	dimensions	dimension	NOUN
ajeer-4146	77	14	of	of	ADP
ajeer-4146	77	15	financial	financial	ADJ
ajeer-4146	77	16	inclusion	inclusion	NOUN
ajeer-4146	77	17	following	follow	VERB
ajeer-4146	77	18	alkire	alkire	ADV
ajeer-4146	77	19	and	and	CCONJ
ajeer-4146	77	20	santos	santos	PROPN
ajeer-4146	77	21	(	(	PUNCT
ajeer-4146	77	22	2014	2014	NUM
ajeer-4146	77	23	)	)	PUNCT
ajeer-4146	77	24	.	.	PUNCT
ajeer-4146	78	1	for	for	ADP
ajeer-4146	78	2	each	each	DET
ajeer-4146	78	3	dimension	dimension	NOUN
ajeer-4146	78	4	,	,	PUNCT
ajeer-4146	78	5	we	we	PRON
ajeer-4146	78	6	assigned	assign	VERB
ajeer-4146	78	7	the	the	DET
ajeer-4146	78	8	weight	weight	NOUN
ajeer-4146	78	9	of	of	ADP
ajeer-4146	78	10	1/6	1/6	NUM
ajeer-4146	78	11	and	and	CCONJ
ajeer-4146	78	12	equal	equal	ADJ
ajeer-4146	78	13	weights	weight	NOUN
ajeer-4146	78	14	within	within	ADP
ajeer-4146	78	15	each	each	DET
ajeer-4146	78	16	dimension	dimension	NOUN
ajeer-4146	78	17	(	(	PUNCT
ajeer-4146	78	18	see	see	VERB
ajeer-4146	78	19	table	table	NOUN
ajeer-4146	78	20	1	1	NUM
ajeer-4146	78	21	&	&	CCONJ
ajeer-4146	78	22	table	table	NOUN
ajeer-4146	78	23	2	2	NUM
ajeer-4146	78	24	)	)	PUNCT
ajeer-4146	78	25	,	,	PUNCT
ajeer-4146	78	26	and	and	CCONJ
ajeer-4146	78	27	the	the	DET
ajeer-4146	78	28	index	index	NOUN
ajeer-4146	78	29	is	be	AUX
ajeer-4146	78	30	obtained	obtain	VERB
ajeer-4146	78	31	as	as	ADP
ajeer-4146	78	32	a	a	DET
ajeer-4146	78	33	weighted	weighted	ADJ
ajeer-4146	78	34	sum	sum	NOUN
ajeer-4146	78	35	of	of	ADP
ajeer-4146	78	36	the	the	DET
ajeer-4146	78	37	dimensions	dimension	NOUN
ajeer-4146	78	38	’	'	PUNCT
ajeer-4146	78	39	scores	score	NOUN
ajeer-4146	78	40	.	.	PUNCT
ajeer-4146	79	1	since	since	SCONJ
ajeer-4146	79	2	we	we	PRON
ajeer-4146	79	3	are	be	AUX
ajeer-4146	79	4	interested	interested	ADJ
ajeer-4146	79	5	in	in	ADP
ajeer-4146	79	6	the	the	DET
ajeer-4146	79	7	financial	financial	ADJ
ajeer-4146	79	8	deprivation	deprivation	NOUN
ajeer-4146	79	9	aspect	aspect	NOUN
ajeer-4146	79	10	,	,	PUNCT
ajeer-4146	79	11	the	the	DET
ajeer-4146	79	12	financial	financial	ADJ
ajeer-4146	79	13	exclusion	exclusion	NOUN
ajeer-4146	79	14	measure	measure	NOUN
ajeer-4146	79	15	is	be	AUX
ajeer-4146	79	16	defined	define	VERB
ajeer-4146	79	17	as	as	ADP
ajeer-4146	79	18	a	a	DET
ajeer-4146	79	19	dummy	dummy	ADJ
ajeer-4146	79	20	variable	variable	NOUN
ajeer-4146	79	21	equal	equal	ADJ
ajeer-4146	79	22	to	to	ADP
ajeer-4146	79	23	1	1	NUM
ajeer-4146	79	24	if	if	SCONJ
ajeer-4146	79	25	the	the	DET
ajeer-4146	79	26	financial	financial	ADJ
ajeer-4146	79	27	inclusion	inclusion	NOUN
ajeer-4146	79	28	index	index	NOUN
ajeer-4146	79	29	is	be	AUX
ajeer-4146	79	30	lower	low	ADJ
ajeer-4146	79	31	or	or	CCONJ
ajeer-4146	79	32	equal	equal	ADJ
ajeer-4146	79	33	to	to	ADP
ajeer-4146	79	34	1/6	1/6	NUM
ajeer-4146	79	35	(	(	PUNCT
ajeer-4146	79	36	the	the	DET
ajeer-4146	79	37	individual	individual	NOUN
ajeer-4146	79	38	,	,	PUNCT
ajeer-4146	79	39	in	in	ADP
ajeer-4146	79	40	this	this	DET
ajeer-4146	79	41	case	case	NOUN
ajeer-4146	79	42	,	,	PUNCT
ajeer-4146	79	43	is	be	AUX
ajeer-4146	79	44	financially	financially	ADV
ajeer-4146	79	45	excluded	exclude	VERB
ajeer-4146	79	46	)	)	PUNCT
ajeer-4146	79	47	and	and	CCONJ
ajeer-4146	79	48	equal	equal	ADJ
ajeer-4146	79	49	to	to	ADP
ajeer-4146	79	50	0	0	NUM
ajeer-4146	79	51	if	if	SCONJ
ajeer-4146	79	52	the	the	DET
ajeer-4146	79	53	financial	financial	ADJ
ajeer-4146	79	54	index	index	NOUN
ajeer-4146	79	55	is	be	AUX
ajeer-4146	79	56	higher	high	ADJ
ajeer-4146	79	57	than	than	ADP
ajeer-4146	79	58	1/6	1/6	NUM
ajeer-4146	79	59	(	(	PUNCT
ajeer-4146	79	60	the	the	DET
ajeer-4146	79	61	individual	individual	ADJ
ajeer-4146	79	62	or	or	CCONJ
ajeer-4146	79	63	household	household	NOUN
ajeer-4146	79	64	,	,	PUNCT
ajeer-4146	79	65	in	in	ADP
ajeer-4146	79	66	this	this	DET
ajeer-4146	79	67	case	case	NOUN
ajeer-4146	79	68	,	,	PUNCT
ajeer-4146	79	69	is	be	AUX
ajeer-4146	79	70	financially	financially	ADV
ajeer-4146	79	71	included	include	VERB
ajeer-4146	79	72	)	)	PUNCT
ajeer-4146	79	73	.	.	PUNCT
ajeer-4146	80	1	the	the	DET
ajeer-4146	80	2	cut	cut	NOUN
ajeer-4146	80	3	-	-	PUNCT
ajeer-4146	80	4	off	off	NOUN
ajeer-4146	80	5	of	of	ADP
ajeer-4146	80	6	1/6	1/6	NUM
ajeer-4146	80	7	is	be	AUX
ajeer-4146	80	8	chosen	choose	VERB
ajeer-4146	80	9	to	to	PART
ajeer-4146	80	10	account	account	VERB
ajeer-4146	80	11	for	for	ADP
ajeer-4146	80	12	the	the	DET
ajeer-4146	80	13	usage	usage	NOUN
ajeer-4146	80	14	of	of	ADP
ajeer-4146	80	15	at	at	ADV
ajeer-4146	80	16	least	least	ADJ
ajeer-4146	80	17	financial	financial	ADJ
ajeer-4146	80	18	service	service	NOUN
ajeer-4146	80	19	.	.	PUNCT
ajeer-4146	81	1	2.2	2.2	NUM
ajeer-4146	81	2	.	.	PUNCT
ajeer-4146	81	3	models	model	NOUN
ajeer-4146	81	4	and	and	CCONJ
ajeer-4146	81	5	empirical	empirical	ADJ
ajeer-4146	81	6	strategy	strategy	NOUN
ajeer-4146	81	7	the	the	DET
ajeer-4146	81	8	main	main	ADJ
ajeer-4146	81	9	objective	objective	NOUN
ajeer-4146	81	10	of	of	ADP
ajeer-4146	81	11	this	this	DET
ajeer-4146	81	12	study	study	NOUN
ajeer-4146	81	13	is	be	AUX
ajeer-4146	81	14	to	to	PART
ajeer-4146	81	15	examine	examine	VERB
ajeer-4146	81	16	the	the	DET
ajeer-4146	81	17	potential	potential	ADJ
ajeer-4146	81	18	impact	impact	NOUN
ajeer-4146	81	19	of	of	ADP
ajeer-4146	81	20	financial	financial	ADJ
ajeer-4146	81	21	exclusion	exclusion	NOUN
ajeer-4146	81	22	on	on	ADP
ajeer-4146	81	23	poverty	poverty	NOUN
ajeer-4146	81	24	in	in	ADP
ajeer-4146	81	25	benin	benin	PROPN
ajeer-4146	81	26	.	.	PUNCT
ajeer-4146	82	1	2.2.1	2.2.1	NUM
ajeer-4146	82	2	.	.	PUNCT
ajeer-4146	82	3	model	model	NOUN
ajeer-4146	82	4	specification	specification	NOUN
ajeer-4146	82	5	to	to	PART
ajeer-4146	82	6	meet	meet	VERB
ajeer-4146	82	7	this	this	DET
ajeer-4146	82	8	objective	objective	NOUN
ajeer-4146	82	9	,	,	PUNCT
ajeer-4146	82	10	we	we	PRON
ajeer-4146	82	11	employed	employ	VERB
ajeer-4146	82	12	the	the	DET
ajeer-4146	82	13	simple	simple	ADJ
ajeer-4146	82	14	probit	probit	NOUN
ajeer-4146	82	15	model	model	NOUN
ajeer-4146	82	16	of	of	ADP
ajeer-4146	82	17	the	the	DET
ajeer-4146	82	18	regression	regression	NOUN
ajeer-4146	82	19	of	of	ADP
ajeer-4146	82	20	financial	financial	ADJ
ajeer-4146	82	21	exclusion	exclusion	NOUN
ajeer-4146	82	22	on	on	ADP
ajeer-4146	82	23	poverty	poverty	NOUN
ajeer-4146	82	24	.	.	PUNCT
ajeer-4146	83	1	equation	equation	NOUN
ajeer-4146	83	2	1	1	NUM
ajeer-4146	83	3	presents	present	VERB
ajeer-4146	83	4	the	the	DET
ajeer-4146	83	5	likelihood	likelihood	NOUN
ajeer-4146	83	6	of	of	ADP
ajeer-4146	83	7	how	how	SCONJ
ajeer-4146	83	8	being	be	AUX
ajeer-4146	83	9	financially	financially	ADV
ajeer-4146	83	10	excluded	exclude	VERB
ajeer-4146	83	11	is	be	AUX
ajeer-4146	83	12	associated	associate	VERB
ajeer-4146	83	13	with	with	ADP
ajeer-4146	83	14	poverty	poverty	NOUN
ajeer-4146	83	15	(	(	PUNCT
ajeer-4146	83	16	where	where	SCONJ
ajeer-4146	83	17	the	the	DET
ajeer-4146	83	18	first	first	ADJ
ajeer-4146	83	19	and	and	CCONJ
ajeer-4146	83	20	second	second	ADJ
ajeer-4146	83	21	quintiles	quintile	NOUN
ajeer-4146	83	22	of	of	ADP
ajeer-4146	83	23	poverty	poverty	NOUN
ajeer-4146	83	24	are	be	AUX
ajeer-4146	83	25	used	use	VERB
ajeer-4146	83	26	as	as	ADP
ajeer-4146	83	27	a	a	DET
ajeer-4146	83	28	proxies	proxy	NOUN
ajeer-4146	83	29	)	)	PUNCT
ajeer-4146	83	30	.	.	PUNCT
ajeer-4146	84	1	𝑃𝑜𝑣∗	𝑃𝑜𝑣∗	NOUN
ajeer-4146	84	2	𝑖𝑡	𝑖𝑡	PUNCT
ajeer-4146	84	3	=	=	SYM
ajeer-4146	84	4	𝛽0	𝛽0	PROPN
ajeer-4146	84	5	+	+	CCONJ
ajeer-4146	84	6	𝑋′	𝑋′	ADJ
ajeer-4146	84	7	𝑖𝑡𝛽	𝑖𝑡𝛽	VERB
ajeer-4146	85	1	+	+	X
ajeer-4146	85	2	𝐹𝐸𝑖𝑡𝛿	𝐹𝐸𝑖𝑡𝛿	PROPN
ajeer-4146	85	3	+	+	CCONJ
ajeer-4146	85	4	𝜇𝑖	𝜇𝑖	ADP
ajeer-4146	85	5	(	(	PUNCT
ajeer-4146	85	6	1	1	NUM
ajeer-4146	85	7	)	)	PUNCT
ajeer-4146	85	8	where	where	SCONJ
ajeer-4146	85	9	povi	povi	NOUN
ajeer-4146	85	10	=	=	NOUN
ajeer-4146	85	11	1	1	NUM
ajeer-4146	85	12	if	if	SCONJ
ajeer-4146	85	13	pov∗	pov∗	NOUN
ajeer-4146	85	14	i	i	PRON
ajeer-4146	85	15	>	>	X
ajeer-4146	85	16	0	0	PUNCT
ajeer-4146	85	17	and	and	CCONJ
ajeer-4146	85	18	povi	povi	VERB
ajeer-4146	86	1	=	=	NOUN
ajeer-4146	86	2	0	0	PUNCT
ajeer-4146	87	1	if	if	SCONJ
ajeer-4146	87	2	pov∗	pov∗	NOUN
ajeer-4146	87	3	i	i	PRON
ajeer-4146	87	4	≤	≤	ADV
ajeer-4146	87	5	0	0	NUM
ajeer-4146	87	6	t	t	NOUN
ajeer-4146	87	7	=	=	SYM
ajeer-4146	87	8	2017	2017	NUM
ajeer-4146	87	9	,	,	PUNCT
ajeer-4146	87	10	2014	2014	NUM
ajeer-4146	87	11	,	,	PUNCT
ajeer-4146	87	12	2011	2011	NUM
ajeer-4146	87	13	(	(	PUNCT
ajeer-4146	87	14	the	the	DET
ajeer-4146	87	15	round	round	NOUN
ajeer-4146	87	16	of	of	ADP
ajeer-4146	87	17	data	datum	NOUN
ajeer-4146	87	18	)	)	PUNCT
ajeer-4146	87	19	;	;	PUNCT
ajeer-4146	87	20	povi	povi	NOUN
ajeer-4146	87	21	denotes	denote	VERB
ajeer-4146	87	22	the	the	DET
ajeer-4146	87	23	20	20	NUM
ajeer-4146	87	24	%	%	NOUN
ajeer-4146	87	25	poorest	poor	ADJ
ajeer-4146	87	26	income	income	NOUN
ajeer-4146	87	27	quintile	quintile	NOUN
ajeer-4146	87	28	.	.	PUNCT
ajeer-4146	88	1	this	this	PRON
ajeer-4146	88	2	is	be	AUX
ajeer-4146	88	3	a	a	DET
ajeer-4146	88	4	dummy	dummy	ADJ
ajeer-4146	88	5	variable	variable	NOUN
ajeer-4146	88	6	equal	equal	ADJ
ajeer-4146	88	7	to	to	ADP
ajeer-4146	88	8	1	1	NUM
ajeer-4146	88	9	for	for	ADP
ajeer-4146	88	10	the	the	DET
ajeer-4146	88	11	20	20	NUM
ajeer-4146	88	12	%	%	NOUN
ajeer-4146	88	13	income	income	NOUN
ajeer-4146	88	14	quintile	quintile	NOUN
ajeer-4146	88	15	and	and	CCONJ
ajeer-4146	88	16	0	0	NUM
ajeer-4146	88	17	otherwise	otherwise	ADV
ajeer-4146	88	18	.	.	PUNCT
ajeer-4146	89	1	x	x	PRON
ajeer-4146	89	2	is	be	AUX
ajeer-4146	89	3	a	a	DET
ajeer-4146	89	4	vector	vector	NOUN
ajeer-4146	89	5	of	of	ADP
ajeer-4146	89	6	individual	individual	ADJ
ajeer-4146	89	7	characteristics	characteristic	NOUN
ajeer-4146	89	8	;	;	PUNCT
ajeer-4146	89	9	𝐹𝐸	𝐹𝐸	NUM
ajeer-4146	89	10	is	be	AUX
ajeer-4146	89	11	the	the	DET
ajeer-4146	89	12	measure	measure	NOUN
ajeer-4146	89	13	of	of	ADP
ajeer-4146	89	14	financial	financial	ADJ
ajeer-4146	89	15	exclusion	exclusion	NOUN
ajeer-4146	89	16	;	;	PUNCT
ajeer-4146	89	17	β0	β0	X
ajeer-4146	89	18	,	,	PUNCT
ajeer-4146	89	19	β	β	X
ajeer-4146	89	20	and	and	CCONJ
ajeer-4146	89	21	δ	δ	PROPN
ajeer-4146	89	22	are	be	AUX
ajeer-4146	89	23	the	the	DET
ajeer-4146	89	24	parameters	parameter	NOUN
ajeer-4146	89	25	to	to	PART
ajeer-4146	89	26	estimate	estimate	VERB
ajeer-4146	89	27	;	;	PUNCT
ajeer-4146	89	28	and	and	CCONJ
ajeer-4146	89	29	µi	µi	PROPN
ajeer-4146	89	30	is	be	AUX
ajeer-4146	89	31	the	the	DET
ajeer-4146	89	32	normally	normally	ADV
ajeer-4146	89	33	distributed	distribute	VERB
ajeer-4146	89	34	error	error	NOUN
ajeer-4146	89	35	term	term	NOUN
ajeer-4146	89	36	capturing	capture	VERB
ajeer-4146	89	37	the	the	DET
ajeer-4146	89	38	unobserved	unobserved	ADJ
ajeer-4146	89	39	factors	factor	NOUN
ajeer-4146	89	40	.	.	PUNCT
ajeer-4146	90	1	2.2.2	2.2.2	X
ajeer-4146	90	2	.	.	PUNCT
ajeer-4146	90	3	treatment	treatment	NOUN
ajeer-4146	90	4	effects	effect	NOUN
ajeer-4146	90	5	model	model	VERB
ajeer-4146	90	6	the	the	DET
ajeer-4146	90	7	above	above	ADV
ajeer-4146	90	8	defined	define	VERB
ajeer-4146	90	9	model	model	NOUN
ajeer-4146	90	10	specification	specification	NOUN
ajeer-4146	90	11	(	(	PUNCT
ajeer-4146	90	12	equation	equation	NOUN
ajeer-4146	90	13	1	1	NUM
ajeer-4146	90	14	)	)	PUNCT
ajeer-4146	90	15	does	do	AUX
ajeer-4146	90	16	not	not	PART
ajeer-4146	90	17	allow	allow	VERB
ajeer-4146	90	18	for	for	ADP
ajeer-4146	90	19	the	the	DET
ajeer-4146	90	20	assessment	assessment	NOUN
ajeer-4146	90	21	of	of	ADP
ajeer-4146	90	22	the	the	DET
ajeer-4146	90	23	effect	effect	NOUN
ajeer-4146	90	24	of	of	ADP
ajeer-4146	90	25	financial	financial	ADJ
ajeer-4146	90	26	services	service	NOUN
ajeer-4146	90	27	on	on	ADP
ajeer-4146	90	28	poverty	poverty	NOUN
ajeer-4146	90	29	.	.	PUNCT
ajeer-4146	91	1	the	the	DET
ajeer-4146	91	2	binary	binary	PROPN
ajeer-4146	91	3	financial	financial	ADJ
ajeer-4146	91	4	exclusion	exclusion	NOUN
ajeer-4146	91	5	can	can	AUX
ajeer-4146	91	6	be	be	AUX
ajeer-4146	91	7	driven	drive	VERB
ajeer-4146	91	8	by	by	ADP
ajeer-4146	91	9	endogeneity	endogeneity	NOUN
ajeer-4146	91	10	and	and	CCONJ
ajeer-4146	91	11	sample	sample	NOUN
ajeer-4146	91	12	selection	selection	NOUN
ajeer-4146	91	13	bias	bias	NOUN
ajeer-4146	91	14	since	since	SCONJ
ajeer-4146	91	15	other	other	ADJ
ajeer-4146	91	16	individual	individual	ADJ
ajeer-4146	91	17	unobservable	unobservable	ADJ
ajeer-4146	91	18	attributes	attribute	NOUN
ajeer-4146	91	19	may	may	AUX
ajeer-4146	91	20	exist	exist	VERB
ajeer-4146	91	21	that	that	PRON
ajeer-4146	91	22	contain	contain	VERB
ajeer-4146	91	23	error	error	NOUN
ajeer-4146	91	24	terms	term	NOUN
ajeer-4146	91	25	,	,	PUNCT
ajeer-4146	91	26	which	which	PRON
ajeer-4146	91	27	bring	bring	VERB
ajeer-4146	91	28	the	the	DET
ajeer-4146	91	29	person	person	NOUN
ajeer-4146	91	30	to	to	ADP
ajeer-4146	91	31	self	self	NOUN
ajeer-4146	91	32	-	-	PUNCT
ajeer-4146	91	33	select	select	VERB
ajeer-4146	91	34	him	he	PRON
ajeer-4146	91	35	/	/	SYM
ajeer-4146	91	36	herself	herself	PRON
ajeer-4146	91	37	as	as	ADP
ajeer-4146	91	38	financially	financially	ADV
ajeer-4146	91	39	excluded	exclude	VERB
ajeer-4146	91	40	or	or	CCONJ
ajeer-4146	91	41	not	not	PART
ajeer-4146	91	42	.	.	PUNCT
ajeer-4146	92	1	this	this	DET
ajeer-4146	92	2	problem	problem	NOUN
ajeer-4146	92	3	induces	induce	VERB
ajeer-4146	92	4	financial	financial	ADJ
ajeer-4146	92	5	exclusion	exclusion	NOUN
ajeer-4146	92	6	(	(	PUNCT
ajeer-4146	92	7	fe	fe	NOUN
ajeer-4146	92	8	)	)	PUNCT
ajeer-4146	92	9	to	to	PART
ajeer-4146	92	10	be	be	AUX
ajeer-4146	92	11	correlated	correlate	VERB
ajeer-4146	92	12	with	with	ADP
ajeer-4146	92	13	the	the	DET
ajeer-4146	92	14	error	error	NOUN
ajeer-4146	92	15	term	term	NOUN
ajeer-4146	92	16	and	and	CCONJ
ajeer-4146	92	17	causes	cause	VERB
ajeer-4146	92	18	a	a	DET
ajeer-4146	92	19	biased	biased	ADJ
ajeer-4146	92	20	result	result	NOUN
ajeer-4146	92	21	.	.	PUNCT
ajeer-4146	93	1	according	accord	VERB
ajeer-4146	93	2	to	to	ADP
ajeer-4146	93	3	imai	imai	PROPN
ajeer-4146	93	4	and	and	CCONJ
ajeer-4146	93	5	arun	arun	PROPN
ajeer-4146	93	6	(	(	PUNCT
ajeer-4146	93	7	2008	2008	NUM
ajeer-4146	93	8	)	)	PUNCT
ajeer-4146	93	9	and	and	CCONJ
ajeer-4146	93	10	imai	imai	PROPN
ajeer-4146	93	11	,	,	PUNCT
ajeer-4146	93	12	arun	arun	ADJ
ajeer-4146	93	13	,	,	PUNCT
ajeer-4146	93	14	and	and	CCONJ
ajeer-4146	93	15	annim	annim	NOUN
ajeer-4146	93	16	(	(	PUNCT
ajeer-4146	93	17	2010	2010	NUM
ajeer-4146	93	18	)	)	PUNCT
ajeer-4146	93	19	,	,	PUNCT
ajeer-4146	93	20	sample	sample	NOUN
ajeer-4146	93	21	selection	selection	NOUN
ajeer-4146	93	22	bias	bias	NOUN
ajeer-4146	93	23	may	may	AUX
ajeer-4146	93	24	arise	arise	VERB
ajeer-4146	93	25	in	in	ADP
ajeer-4146	93	26	the	the	DET
ajeer-4146	93	27	financial	financial	ADJ
ajeer-4146	93	28	market	market	NOUN
ajeer-4146	93	29	from	from	ADP
ajeer-4146	93	30	two	two	NUM
ajeer-4146	93	31	key	key	ADJ
ajeer-4146	93	32	problems	problem	NOUN
ajeer-4146	93	33	.	.	PUNCT
ajeer-4146	94	1	first	first	ADV
ajeer-4146	94	2	,	,	PUNCT
ajeer-4146	94	3	self	self	NOUN
ajeer-4146	94	4	-	-	PUNCT
ajeer-4146	94	5	selection	selection	NOUN
ajeer-4146	94	6	where	where	SCONJ
ajeer-4146	94	7	the	the	DET
ajeer-4146	94	8	individuals	individual	NOUN
ajeer-4146	94	9	/	/	SYM
ajeer-4146	94	10	households	household	NOUN
ajeer-4146	94	11	choose	choose	VERB
ajeer-4146	94	12	whether	whether	SCONJ
ajeer-4146	94	13	or	or	CCONJ
ajeer-4146	94	14	not	not	PART
ajeer-4146	94	15	to	to	PART
ajeer-4146	94	16	participate	participate	VERB
ajeer-4146	94	17	in	in	ADP
ajeer-4146	94	18	a	a	DET
ajeer-4146	94	19	financial	financial	ADJ
ajeer-4146	94	20	inclusion	inclusion	NOUN
ajeer-4146	94	21	program	program	NOUN
ajeer-4146	94	22	based	base	VERB
ajeer-4146	94	23	on	on	ADP
ajeer-4146	94	24	observable	observable	ADJ
ajeer-4146	94	25	or	or	CCONJ
ajeer-4146	94	26	unobservable	unobservable	ADJ
ajeer-4146	94	27	individual	individual	ADJ
ajeer-4146	94	28	attributes	attribute	NOUN
ajeer-4146	94	29	.	.	PUNCT
ajeer-4146	95	1	the	the	DET
ajeer-4146	95	2	second	second	NOUN
ajeer-4146	95	3	is	be	AUX
ajeer-4146	95	4	an	an	DET
ajeer-4146	95	5	endogenous	endogenous	ADJ
ajeer-4146	95	6	program	program	NOUN
ajeer-4146	95	7	placement	placement	NOUN
ajeer-4146	95	8	where	where	SCONJ
ajeer-4146	95	9	formal	formal	ADJ
ajeer-4146	95	10	financial	financial	ADJ
ajeer-4146	95	11	institutions	institution	NOUN
ajeer-4146	95	12	may	may	AUX
ajeer-4146	95	13	decide	decide	VERB
ajeer-4146	95	14	to	to	PART
ajeer-4146	95	15	select	select	VERB
ajeer-4146	95	16	a	a	DET
ajeer-4146	95	17	certain	certain	ADJ
ajeer-4146	95	18	group	group	NOUN
ajeer-4146	95	19	or	or	CCONJ
ajeer-4146	95	20	category	category	NOUN
ajeer-4146	95	21	of	of	ADP
ajeer-4146	95	22	people	people	NOUN
ajeer-4146	95	23	or	or	CCONJ
ajeer-4146	95	24	areas	area	NOUN
ajeer-4146	95	25	(	(	PUNCT
ajeer-4146	95	26	such	such	ADJ
ajeer-4146	95	27	as	as	ADP
ajeer-4146	95	28	urban	urban	ADJ
ajeer-4146	95	29	areas	area	NOUN
ajeer-4146	95	30	,	,	PUNCT
ajeer-4146	95	31	rich	rich	ADJ
ajeer-4146	95	32	or	or	CCONJ
ajeer-4146	95	33	moderately	moderately	ADV
ajeer-4146	95	34	poor	poor	ADJ
ajeer-4146	95	35	people	people	NOUN
ajeer-4146	95	36	)	)	PUNCT
ajeer-4146	95	37	to	to	PART
ajeer-4146	95	38	offer	offer	VERB
ajeer-4146	95	39	them	they	PRON
ajeer-4146	95	40	formal	formal	ADJ
ajeer-4146	95	41	financial	financial	ADJ
ajeer-4146	95	42	services	service	NOUN
ajeer-4146	95	43	.	.	PUNCT
ajeer-4146	96	1	knowing	know	VERB
ajeer-4146	96	2	that	that	SCONJ
ajeer-4146	96	3	this	this	DET
ajeer-4146	96	4	problem	problem	NOUN
ajeer-4146	96	5	could	could	AUX
ajeer-4146	96	6	happen	happen	VERB
ajeer-4146	96	7	to	to	ADP
ajeer-4146	96	8	our	our	PRON
ajeer-4146	96	9	binary	binary	ADJ
ajeer-4146	96	10	treatment	treatment	NOUN
ajeer-4146	96	11	variable	variable	NOUN
ajeer-4146	96	12	,	,	PUNCT
ajeer-4146	96	13	the	the	DET
ajeer-4146	96	14	result	result	NOUN
ajeer-4146	96	15	obtained	obtain	VERB
ajeer-4146	96	16	by	by	ADP
ajeer-4146	96	17	applying	apply	VERB
ajeer-4146	96	18	the	the	DET
ajeer-4146	96	19	simple	simple	ADJ
ajeer-4146	96	20	ordinary	ordinary	ADJ
ajeer-4146	96	21	least	least	ADJ
ajeer-4146	96	22	squares	square	NOUN
ajeer-4146	96	23	(	(	PUNCT
ajeer-4146	96	24	ols	ol	NOUN
ajeer-4146	96	25	)	)	PUNCT
ajeer-4146	96	26	or	or	CCONJ
ajeer-4146	96	27	probit	probit	NOUN
ajeer-4146	96	28	models	model	NOUN
ajeer-4146	96	29	can	can	AUX
ajeer-4146	96	30	not	not	PART
ajeer-4146	96	31	be	be	AUX
ajeer-4146	96	32	interpreted	interpret	VERB
ajeer-4146	96	33	as	as	ADP
ajeer-4146	96	34	the	the	DET
ajeer-4146	96	35	causal	causal	ADJ
ajeer-4146	96	36	effect	effect	NOUN
ajeer-4146	96	37	.	.	PUNCT
ajeer-4146	97	1	therefore	therefore	ADV
ajeer-4146	97	2	,	,	PUNCT
ajeer-4146	97	3	the	the	DET
ajeer-4146	97	4	heckman	heckman	PROPN
ajeer-4146	97	5	sample	sample	PROPN
ajeer-4146	97	6	selection	selection	NOUN
ajeer-4146	97	7	model	model	NOUN
ajeer-4146	97	8	(	(	PUNCT
ajeer-4146	97	9	heckman	heckman	PROPN
ajeer-4146	97	10	,	,	PUNCT
ajeer-4146	97	11	1979	1979	NUM
ajeer-4146	97	12	)	)	PUNCT
ajeer-4146	97	13	,	,	PUNCT
ajeer-4146	97	14	which	which	PRON
ajeer-4146	97	15	can	can	AUX
ajeer-4146	97	16	be	be	AUX
ajeer-4146	97	17	used	use	VERB
ajeer-4146	97	18	to	to	PART
ajeer-4146	97	19	correct	correct	VERB
ajeer-4146	97	20	for	for	ADP
ajeer-4146	97	21	sample	sample	NOUN
ajeer-4146	97	22	selection	selection	NOUN
ajeer-4146	97	23	bias	bias	NOUN
ajeer-4146	97	24	or	or	CCONJ
ajeer-4146	97	25	endogeneity	endogeneity	NOUN
ajeer-4146	97	26	associated	associate	VERB
ajeer-4146	97	27	with	with	ADP
ajeer-4146	97	28	individuals	individual	NOUN
ajeer-4146	97	29	’	'	PUNCT
ajeer-4146	97	30	access	access	NOUN
ajeer-4146	97	31	to	to	ADP
ajeer-4146	97	32	financial	financial	ADJ
ajeer-4146	97	33	services	service	NOUN
ajeer-4146	97	34	,	,	PUNCT
ajeer-4146	97	35	was	be	AUX
ajeer-4146	97	36	employed	employ	VERB
ajeer-4146	97	37	in	in	ADP
ajeer-4146	97	38	this	this	DET
ajeer-4146	97	39	study	study	NOUN
ajeer-4146	97	40	.	.	PUNCT
ajeer-4146	98	1	following	follow	VERB
ajeer-4146	98	2	imai	imai	PROPN
ajeer-4146	98	3	and	and	CCONJ
ajeer-4146	98	4	arun	arun	PROPN
ajeer-4146	98	5	(	(	PUNCT
ajeer-4146	98	6	2008	2008	NUM
ajeer-4146	98	7	)	)	PUNCT
ajeer-4146	98	8	;	;	PUNCT
ajeer-4146	98	9	imai	imai	PROPN
ajeer-4146	98	10	et	et	PROPN
ajeer-4146	98	11	al	al	PROPN
ajeer-4146	98	12	.	.	PROPN
ajeer-4146	98	13	(	(	PUNCT
ajeer-4146	98	14	2010	2010	NUM
ajeer-4146	98	15	)	)	PUNCT
ajeer-4146	98	16	;	;	PUNCT
ajeer-4146	98	17	and	and	CCONJ
ajeer-4146	98	18	mohammed	mohammed	PROPN
ajeer-4146	98	19	et	et	PROPN
ajeer-4146	98	20	al	al	PROPN
ajeer-4146	98	21	.	.	PROPN
ajeer-4146	99	1	(	(	PUNCT
ajeer-4146	99	2	2017	2017	NUM
ajeer-4146	99	3	)	)	PUNCT
ajeer-4146	99	4	,	,	PUNCT
ajeer-4146	99	5	we	we	PRON
ajeer-4146	99	6	employed	employ	VERB
ajeer-4146	99	7	the	the	DET
ajeer-4146	99	8	treatment	treatment	NOUN
ajeer-4146	99	9	effects	effect	NOUN
ajeer-4146	99	10	version	version	NOUN
ajeer-4146	99	11	of	of	ADP
ajeer-4146	99	12	the	the	DET
ajeer-4146	99	13	heckman	heckman	PROPN
ajeer-4146	99	14	sample	sample	PROPN
ajeer-4146	99	15	selection	selection	NOUN
ajeer-4146	99	16	model	model	NOUN
ajeer-4146	99	17	.	.	PUNCT
ajeer-4146	100	1	this	this	DET
ajeer-4146	100	2	treatment	treatment	NOUN
ajeer-4146	100	3	effects	effect	NOUN
ajeer-4146	100	4	model	model	NOUN
ajeer-4146	100	5	uses	use	VERB
ajeer-4146	100	6	the	the	DET
ajeer-4146	100	7	inverse	inverse	NOUN
ajeer-4146	100	8	mills	mill	NOUN
ajeer-4146	100	9	ratio	ratio	NOUN
ajeer-4146	100	10	(	(	PUNCT
ajeer-4146	100	11	imr	imr	NOUN
ajeer-4146	100	12	)	)	PUNCT
ajeer-4146	100	13	to	to	PART
ajeer-4146	100	14	control	control	VERB
ajeer-4146	100	15	for	for	ADP
ajeer-4146	100	16	sample	sample	NOUN
ajeer-4146	100	17	selection	selection	NOUN
ajeer-4146	100	18	bias	bias	NOUN
ajeer-4146	100	19	in	in	ADP
ajeer-4146	100	20	a	a	DET
ajeer-4146	100	21	two	two	NUM
ajeer-4146	100	22	-	-	PUNCT
ajeer-4146	100	23	stage	stage	NOUN
ajeer-4146	100	24	estimation	estimation	NOUN
ajeer-4146	100	25	procedure	procedure	NOUN
ajeer-4146	100	26	.	.	PUNCT
ajeer-4146	101	1	in	in	ADP
ajeer-4146	101	2	the	the	DET
ajeer-4146	101	3	first	first	ADJ
ajeer-4146	101	4	stage	stage	NOUN
ajeer-4146	101	5	,	,	PUNCT
ajeer-4146	101	6	the	the	DET
ajeer-4146	101	7	endogenous	endogenous	ADJ
ajeer-4146	101	8	binary	binary	ADJ
ajeer-4146	101	9	treatment	treatment	NOUN
ajeer-4146	101	10	(	(	PUNCT
ajeer-4146	101	11	financial	financial	ADJ
ajeer-4146	101	12	exclusion	exclusion	NOUN
ajeer-4146	101	13	)	)	PUNCT
ajeer-4146	101	14	is	be	AUX
ajeer-4146	101	15	estimated	estimate	VERB
ajeer-4146	101	16	by	by	ADP
ajeer-4146	101	17	a	a	DET
ajeer-4146	101	18	probit	probit	NOUN
ajeer-4146	101	19	model	model	NOUN
ajeer-4146	101	20	.	.	PUNCT
ajeer-4146	102	1	the	the	DET
ajeer-4146	102	2	imr	imr	NOUN
ajeer-4146	102	3	is	be	AUX
ajeer-4146	102	4	computed	compute	VERB
ajeer-4146	102	5	from	from	ADP
ajeer-4146	102	6	the	the	DET
ajeer-4146	102	7	predicted	predict	VERB
ajeer-4146	102	8	values	value	NOUN
ajeer-4146	102	9	of	of	ADP
ajeer-4146	102	10	the	the	DET
ajeer-4146	102	11	estimation	estimation	NOUN
ajeer-4146	102	12	of	of	ADP
ajeer-4146	102	13	the	the	DET
ajeer-4146	102	14	probit	probit	NOUN
ajeer-4146	102	15	model	model	NOUN
ajeer-4146	102	16	and	and	CCONJ
ajeer-4146	102	17	reflects	reflect	VERB
ajeer-4146	102	18	the	the	DET
ajeer-4146	102	19	degree	degree	NOUN
ajeer-4146	102	20	of	of	ADP
ajeer-4146	102	21	sample	sample	NOUN
ajeer-4146	102	22	selection	selection	NOUN
ajeer-4146	102	23	bias	bias	NOUN
ajeer-4146	102	24	.	.	PUNCT
ajeer-4146	103	1	in	in	ADP
ajeer-4146	103	2	the	the	DET
ajeer-4146	103	3	second	second	ADJ
ajeer-4146	103	4	stage	stage	NOUN
ajeer-4146	103	5	,	,	PUNCT
ajeer-4146	103	6	the	the	DET
ajeer-4146	103	7	imr	imr	NOUN
ajeer-4146	103	8	calculated	calculate	VERB
ajeer-4146	103	9	is	be	AUX
ajeer-4146	103	10	included	include	VERB
ajeer-4146	103	11	in	in	ADP
ajeer-4146	103	12	the	the	DET
ajeer-4146	103	13	regression	regression	NOUN
ajeer-4146	103	14	of	of	ADP
ajeer-4146	103	15	the	the	DET
ajeer-4146	103	16	poverty	poverty	NOUN
ajeer-4146	103	17	index	index	NOUN
ajeer-4146	103	18	on	on	ADP
ajeer-4146	103	19	various	various	ADJ
ajeer-4146	103	20	household	household	NOUN
ajeer-4146	103	21	characteristics	characteristic	NOUN
ajeer-4146	103	22	and	and	CCONJ
ajeer-4146	103	23	the	the	DET
ajeer-4146	103	24	financial	financial	ADJ
ajeer-4146	103	25	exclusion	exclusion	NOUN
ajeer-4146	103	26	variable	variable	NOUN
ajeer-4146	103	27	.	.	PUNCT
ajeer-4146	104	1	the	the	DET
ajeer-4146	104	2	baseline	baseline	PROPN
ajeer-4146	104	3	assumption	assumption	NOUN
ajeer-4146	104	4	is	be	AUX
ajeer-4146	104	5	that	that	SCONJ
ajeer-4146	104	6	the	the	DET
ajeer-4146	104	7	error	error	NOUN
ajeer-4146	104	8	term	term	NOUN
ajeer-4146	104	9	in	in	ADP
ajeer-4146	104	10	the	the	DET
ajeer-4146	104	11	probit	probit	NOUN
ajeer-4146	104	12	model	model	NOUN
ajeer-4146	104	13	and	and	CCONJ
ajeer-4146	104	14	the	the	DET
ajeer-4146	104	15	error	error	NOUN
ajeer-4146	104	16	term	term	NOUN
ajeer-4146	104	17	in	in	ADP
ajeer-4146	104	18	the	the	DET
ajeer-4146	104	19	main	main	ADJ
ajeer-4146	104	20	regression	regression	NOUN
ajeer-4146	104	21	of	of	ADP
ajeer-4146	104	22	poverty	poverty	NOUN
ajeer-4146	104	23	on	on	ADP
ajeer-4146	104	24	financial	financial	ADJ
ajeer-4146	104	25	inclusion	inclusion	NOUN
ajeer-4146	104	26	are	be	AUX
ajeer-4146	104	27	correlated	correlate	VERB
ajeer-4146	104	28	and	and	CCONJ
ajeer-4146	104	29	normally	normally	ADV
ajeer-4146	104	30	distributed	distribute	VERB
ajeer-4146	104	31	.	.	PUNCT
ajeer-4146	105	1	the	the	DET
ajeer-4146	105	2	instruments	instrument	NOUN
ajeer-4146	105	3	to	to	PART
ajeer-4146	105	4	be	be	AUX
ajeer-4146	105	5	used	use	VERB
ajeer-4146	105	6	to	to	PART
ajeer-4146	105	7	correct	correct	VERB
ajeer-4146	105	8	for	for	ADP
ajeer-4146	105	9	financial	financial	ADJ
ajeer-4146	105	10	exclusion	exclusion	NOUN
ajeer-4146	105	11	endogeneity	endogeneity	NOUN
ajeer-4146	105	12	are	be	AUX
ajeer-4146	105	13	the	the	DET
ajeer-4146	105	14	barrier	barrier	NOUN
ajeer-4146	105	15	variables	variable	NOUN
ajeer-4146	105	16	,	,	PUNCT
ajeer-4146	105	17	such	such	ADJ
ajeer-4146	105	18	as	as	ADP
ajeer-4146	105	19	lack	lack	NOUN
ajeer-4146	105	20	of	of	ADP
ajeer-4146	105	21	documentation	documentation	NOUN
ajeer-4146	105	22	,	,	PUNCT
ajeer-4146	105	23	lack	lack	NOUN
ajeer-4146	105	24	of	of	ADP
ajeer-4146	105	25	trust	trust	NOUN
ajeer-4146	105	26	,	,	PUNCT
ajeer-4146	105	27	religious	religious	ADJ
ajeer-4146	105	28	reasons	reason	NOUN
ajeer-4146	105	29	,	,	PUNCT
ajeer-4146	105	30	services	service	NOUN
ajeer-4146	105	31	being	be	AUX
ajeer-4146	105	32	too	too	ADV
ajeer-4146	105	33	expensive	expensive	ADJ
ajeer-4146	105	34	,	,	PUNCT
ajeer-4146	105	35	being	be	AUX
ajeer-4146	105	36	too	too	ADV
ajeer-4146	105	37	far	far	ADV
ajeer-4146	105	38	away	away	ADV
ajeer-4146	105	39	from	from	ADP
ajeer-4146	105	40	financial	financial	ADJ
ajeer-4146	105	41	institutions	institution	NOUN
ajeer-4146	105	42	,	,	PUNCT
ajeer-4146	105	43	and	and	CCONJ
ajeer-4146	105	44	lack	lack	NOUN
ajeer-4146	105	45	of	of	ADP
ajeer-4146	105	46	money	money	NOUN
ajeer-4146	105	47	.	.	PUNCT
ajeer-4146	106	1	lack	lack	NOUN
ajeer-4146	106	2	of	of	ADP
ajeer-4146	106	3	money	money	NOUN
ajeer-4146	106	4	was	be	AUX
ajeer-4146	106	5	not	not	PART
ajeer-4146	106	6	included	include	VERB
ajeer-4146	106	7	in	in	ADP
ajeer-4146	106	8	the	the	DET
ajeer-4146	106	9	regression	regression	NOUN
ajeer-4146	106	10	since	since	SCONJ
ajeer-4146	106	11	this	this	PRON
ajeer-4146	106	12	directly	directly	ADV
ajeer-4146	106	13	affects	affect	VERB
ajeer-4146	106	14	poverty	poverty	NOUN
ajeer-4146	106	15	.	.	PUNCT
ajeer-4146	107	1	the	the	DET
ajeer-4146	107	2	other	other	ADJ
ajeer-4146	107	3	variables	variable	NOUN
ajeer-4146	107	4	are	be	AUX
ajeer-4146	107	5	correlated	correlate	VERB
ajeer-4146	107	6	with	with	ADP
ajeer-4146	107	7	the	the	DET
ajeer-4146	107	8	financial	financial	ADJ
ajeer-4146	107	9	exclusion	exclusion	NOUN
ajeer-4146	107	10	variable	variable	NOUN
ajeer-4146	107	11	but	but	CCONJ
ajeer-4146	107	12	do	do	AUX
ajeer-4146	107	13	not	not	PART
ajeer-4146	107	14	directly	directly	ADV
ajeer-4146	107	15	affect	affect	VERB
ajeer-4146	107	16	the	the	DET
ajeer-4146	107	17	poverty	poverty	NOUN
ajeer-4146	107	18	variable	variable	NOUN
ajeer-4146	107	19	.	.	PUNCT
ajeer-4146	108	1	in	in	ADP
ajeer-4146	108	2	line	line	NOUN
ajeer-4146	108	3	with	with	ADP
ajeer-4146	108	4	imai	imai	PROPN
ajeer-4146	108	5	and	and	CCONJ
ajeer-4146	108	6	arun	arun	PROPN
ajeer-4146	108	7	(	(	PUNCT
ajeer-4146	108	8	2008	2008	NUM
ajeer-4146	108	9	)	)	PUNCT
ajeer-4146	108	10	;	;	PUNCT
ajeer-4146	108	11	imai	imai	PROPN
ajeer-4146	108	12	et	et	PROPN
ajeer-4146	108	13	al	al	PROPN
ajeer-4146	108	14	.	.	PROPN
ajeer-4146	108	15	(	(	PUNCT
ajeer-4146	108	16	2010	2010	NUM
ajeer-4146	108	17	)	)	PUNCT
ajeer-4146	108	18	;	;	PUNCT
ajeer-4146	108	19	and	and	CCONJ
ajeer-4146	108	20	mohammed	mohammed	PROPN
ajeer-4146	108	21	et	et	PROPN
ajeer-4146	108	22	al	al	PROPN
ajeer-4146	108	23	.	.	PROPN
ajeer-4146	109	1	(	(	PUNCT
ajeer-4146	109	2	2017	2017	NUM
ajeer-4146	109	3	)	)	PUNCT
ajeer-4146	109	4	,	,	PUNCT
ajeer-4146	109	5	the	the	DET
ajeer-4146	109	6	above	above	ADJ
ajeer-4146	109	7	mechanism	mechanism	NOUN
ajeer-4146	109	8	can	can	AUX
ajeer-4146	109	9	be	be	AUX
ajeer-4146	109	10	specified	specify	VERB
ajeer-4146	109	11	as	as	SCONJ
ajeer-4146	109	12	follows	follow	VERB
ajeer-4146	109	13	:	:	PUNCT
ajeer-4146	110	1	𝐹𝐸∗	𝐹𝐸∗	ADJ
ajeer-4146	110	2	𝑖𝑡	𝑖𝑡	NOUN
ajeer-4146	110	3	=	=	SYM
ajeer-4146	110	4	𝜃0	𝜃0	VERB
ajeer-4146	110	5	+	+	CCONJ
ajeer-4146	110	6	𝑋′	𝑋′	ADJ
ajeer-4146	110	7	𝑖𝑡𝜃	𝑖𝑡𝜃	ADJ
ajeer-4146	110	8	+	+	NUM
ajeer-4146	110	9	𝑍′	𝑍′	ADJ
ajeer-4146	110	10	𝑖𝑡𝛾	𝑖𝑡𝛾	ADJ
ajeer-4146	110	11	+	+	CCONJ
ajeer-4146	110	12	휀𝑖	휀𝑖	ADJ
ajeer-4146	110	13	(	(	PUNCT
ajeer-4146	110	14	2	2	NUM
ajeer-4146	110	15	)	)	PUNCT
ajeer-4146	110	16	fei	fei	NOUN
ajeer-4146	110	17	=	=	PUNCT
ajeer-4146	110	18	1	1	NUM
ajeer-4146	110	19	if	if	SCONJ
ajeer-4146	110	20	fei	fei	PROPN
ajeer-4146	110	21	*	*	PROPN
ajeer-4146	110	22	>	>	X
ajeer-4146	110	23	0	0	PUNCT
ajeer-4146	110	24	and	and	CCONJ
ajeer-4146	110	25	fei	fei	NOUN
ajeer-4146	110	26	=	=	PROPN
ajeer-4146	110	27	0	0	PROPN
ajeer-4146	111	1	if	if	SCONJ
ajeer-4146	111	2	fei	fei	PROPN
ajeer-4146	111	3	*	*	PROPN
ajeer-4146	111	4	≤	≤	NOUN
ajeer-4146	111	5	0	0	NUM
ajeer-4146	111	6	where	where	SCONJ
ajeer-4146	111	7	𝑃𝑟(𝐹𝐸𝑖	𝑃𝑟(𝐹𝐸𝑖	NOUN
ajeer-4146	111	8	=	=	SYM
ajeer-4146	111	9	1|𝑋𝑖	1|𝑋𝑖	NUM
ajeer-4146	111	10	,	,	PUNCT
ajeer-4146	111	11	𝑍𝑖	𝑍𝑖	PROPN
ajeer-4146	111	12	)	)	PUNCT
ajeer-4146	111	13	=	=	PRON
ajeer-4146	111	14	φ(𝜃0	φ(𝜃0	NOUN
ajeer-4146	112	1	+	+	X
ajeer-4146	112	2	x′	x′	PROPN
ajeer-4146	112	3	𝑖	𝑖	SYM
ajeer-4146	112	4	𝜃	𝜃	PROPN
ajeer-4146	112	5	+	+	NUM
ajeer-4146	112	6	𝑍′	𝑍′	ADJ
ajeer-4146	112	7	𝑖𝛾	𝑖𝛾	NOUN
ajeer-4146	112	8	)	)	PUNCT
ajeer-4146	112	9	and	and	CCONJ
ajeer-4146	112	10	𝑃𝑟(𝐹𝐸𝑖	𝑃𝑟(𝐹𝐸𝑖	NOUN
ajeer-4146	112	11	=	=	SYM
ajeer-4146	112	12	0|𝑋𝑖	0|𝑋𝑖	NUM
ajeer-4146	112	13	,	,	PUNCT
ajeer-4146	112	14	𝑍𝑖	𝑍𝑖	PROPN
ajeer-4146	112	15	)	)	PUNCT
ajeer-4146	112	16	=	=	SYM
ajeer-4146	112	17	1	1	NUM
ajeer-4146	112	18	−	−	NOUN
ajeer-4146	112	19	φ(𝜃0	φ(𝜃0	NOUN
ajeer-4146	113	1	+	+	X
ajeer-4146	113	2	x′	x′	PROPN
ajeer-4146	113	3	𝑖	𝑖	SYM
ajeer-4146	113	4	𝜃	𝜃	PROPN
ajeer-4146	113	5	+	+	NUM
ajeer-4146	113	6	𝑍′	𝑍′	ADJ
ajeer-4146	113	7	𝑖𝛾	𝑖𝛾	NOUN
ajeer-4146	113	8	)	)	PUNCT
ajeer-4146	113	9	𝐹𝐸∗	𝐹𝐸∗	NUM
ajeer-4146	113	10	𝑖	𝑖	VERB
ajeer-4146	113	11	is	be	AUX
ajeer-4146	113	12	a	a	DET
ajeer-4146	113	13	latent	latent	NOUN
ajeer-4146	113	14	variable	variable	NOUN
ajeer-4146	113	15	;	;	PUNCT
ajeer-4146	113	16	i	i	PRON
ajeer-4146	113	17	is	be	AUX
ajeer-4146	113	18	the	the	DET
ajeer-4146	113	19	indexed	indexed	ADJ
ajeer-4146	113	20	individual	individual	NOUN
ajeer-4146	113	21	;	;	PUNCT
ajeer-4146	113	22	t	t	PROPN
ajeer-4146	113	23	=	=	SYM
ajeer-4146	113	24	2017	2017	NUM
ajeer-4146	113	25	,	,	PUNCT
ajeer-4146	113	26	2014	2014	NUM
ajeer-4146	113	27	,	,	PUNCT
ajeer-4146	113	28	2011	2011	NUM
ajeer-4146	113	29	;	;	PUNCT
ajeer-4146	113	30	𝑋′	𝑋′	PROPN
ajeer-4146	113	31	𝑖	𝑖	X
ajeer-4146	113	32	is	be	AUX
ajeer-4146	113	33	a	a	DET
ajeer-4146	113	34	vector	vector	NOUN
ajeer-4146	113	35	of	of	ADP
ajeer-4146	113	36	the	the	DET
ajeer-4146	113	37	individual	individual	ADJ
ajeer-4146	113	38	characteristics	characteristic	NOUN
ajeer-4146	113	39	(	(	PUNCT
ajeer-4146	113	40	age	age	NOUN
ajeer-4146	113	41	,	,	PUNCT
ajeer-4146	113	42	age	age	NOUN
ajeer-4146	113	43	squared	square	VERB
ajeer-4146	113	44	,	,	PUNCT
ajeer-4146	113	45	female	female	ADJ
ajeer-4146	113	46	,	,	PUNCT
ajeer-4146	113	47	education	education	NOUN
ajeer-4146	113	48	level	level	NOUN
ajeer-4146	113	49	,	,	PUNCT
ajeer-4146	113	50	workforce	workforce	NOUN
ajeer-4146	113	51	status	status	NOUN
ajeer-4146	113	52	)	)	PUNCT
ajeer-4146	113	53	;	;	PUNCT
ajeer-4146	114	1	𝑍𝑖	𝑍𝑖	PROPN
ajeer-4146	114	2	is	be	AUX
ajeer-4146	114	3	a	a	DET
ajeer-4146	114	4	vector	vector	NOUN
ajeer-4146	114	5	of	of	ADP
ajeer-4146	114	6	dummies	dummy	NOUN
ajeer-4146	114	7	variables	variable	NOUN
ajeer-4146	114	8	related	relate	VERB
ajeer-4146	114	9	to	to	ADP
ajeer-4146	114	10	financial	financial	ADJ
ajeer-4146	114	11	exclusion	exclusion	NOUN
ajeer-4146	114	12	(	(	PUNCT
ajeer-4146	114	13	lack	lack	NOUN
ajeer-4146	114	14	of	of	ADP
ajeer-4146	114	15	documentation	documentation	NOUN
ajeer-4146	114	16	,	,	PUNCT
ajeer-4146	114	17	lack	lack	NOUN
ajeer-4146	114	18	of	of	ADP
ajeer-4146	114	19	trust	trust	NOUN
ajeer-4146	114	20	,	,	PUNCT
ajeer-4146	114	21	religious	religious	ADJ
ajeer-4146	114	22	reasons	reason	NOUN
ajeer-4146	114	23	,	,	PUNCT
ajeer-4146	114	24	services	service	NOUN
ajeer-4146	114	25	too	too	ADV
ajeer-4146	114	26	expensive	expensive	ADJ
ajeer-4146	114	27	,	,	PUNCT
ajeer-4146	114	28	far	far	ADV
ajeer-4146	114	29	away	away	ADV
ajeer-4146	114	30	financial	financial	ADJ
ajeer-4146	114	31	institution	institution	NOUN
ajeer-4146	114	32	)	)	PUNCT
ajeer-4146	114	33	;	;	PUNCT
ajeer-4146	114	34	θ	θ	PROPN
ajeer-4146	114	35	and	and	CCONJ
ajeer-4146	114	36	γ	γ	NOUN
ajeer-4146	114	37	are	be	AUX
ajeer-4146	114	38	vectors	vector	NOUN
ajeer-4146	114	39	of	of	ADP
ajeer-4146	114	40	parameters	parameter	NOUN
ajeer-4146	114	41	to	to	PART
ajeer-4146	114	42	estimate	estimate	VERB
ajeer-4146	114	43	;	;	PUNCT
ajeer-4146	114	44	φ	φ	PROPN
ajeer-4146	114	45	denotes	denote	VERB
ajeer-4146	114	46	the	the	DET
ajeer-4146	114	47	normal	normal	ADJ
ajeer-4146	114	48	standard	standard	ADJ
ajeer-4146	114	49	cumulative	cumulative	ADJ
ajeer-4146	114	50	distribution	distribution	NOUN
ajeer-4146	114	51	function	function	NOUN
ajeer-4146	114	52	;	;	PUNCT
ajeer-4146	114	53	and	and	CCONJ
ajeer-4146	114	54	휀𝑖	휀𝑖	PRON
ajeer-4146	114	55	is	be	AUX
ajeer-4146	114	56	a	a	DET
ajeer-4146	114	57	normally	normally	ADV
ajeer-4146	114	58	distributed	distribute	VERB
ajeer-4146	114	59	error	error	NOUN
ajeer-4146	114	60	term	term	NOUN
ajeer-4146	114	61	with	with	ADP
ajeer-4146	114	62	a	a	DET
ajeer-4146	114	63	zero	zero	NUM
ajeer-4146	114	64	mean	mean	NOUN
ajeer-4146	114	65	and	and	CCONJ
ajeer-4146	114	66	a	a	DET
ajeer-4146	114	67	variance	variance	NOUN
ajeer-4146	114	68	equal	equal	ADJ
ajeer-4146	114	69	to	to	ADP
ajeer-4146	114	70	1	1	NUM
ajeer-4146	114	71	.	.	PUNCT
ajeer-4146	115	1	the	the	DET
ajeer-4146	115	2	second	second	ADJ
ajeer-4146	115	3	stage	stage	NOUN
ajeer-4146	115	4	regression	regression	NOUN
ajeer-4146	115	5	helps	help	VERB
ajeer-4146	115	6	to	to	PART
ajeer-4146	115	7	determine	determine	VERB
ajeer-4146	115	8	the	the	DET
ajeer-4146	115	9	effect	effect	NOUN
ajeer-4146	115	10	of	of	ADP
ajeer-4146	115	11	financial	financial	ADJ
ajeer-4146	115	12	exclusion	exclusion	NOUN
ajeer-4146	115	13	on	on	ADP
ajeer-4146	115	14	poverty	poverty	NOUN
ajeer-4146	115	15	.	.	PUNCT
ajeer-4146	116	1	the	the	DET
ajeer-4146	116	2	treatment	treatment	NOUN
ajeer-4146	116	3	effect	effect	NOUN
ajeer-4146	116	4	specification	specification	NOUN
ajeer-4146	116	5	used	use	VERB
ajeer-4146	116	6	is	be	AUX
ajeer-4146	116	7	specified	specify	VERB
ajeer-4146	116	8	in	in	ADP
ajeer-4146	116	9	equation	equation	NOUN
ajeer-4146	116	10	3	3	NUM
ajeer-4146	116	11	as	as	ADP
ajeer-4146	116	12	:	:	PUNCT
ajeer-4146	116	13	𝑃𝑜𝑣∗	𝑃𝑜𝑣∗	NOUN
ajeer-4146	116	14	𝑖𝑡	𝑖𝑡	PUNCT
ajeer-4146	117	1	=	=	PUNCT
ajeer-4146	117	2	𝜆0	𝜆0	NOUN
ajeer-4146	118	1	+	+	CCONJ
ajeer-4146	118	2	𝑋′	𝑋′	ADJ
ajeer-4146	118	3	𝑖𝑡𝜆	𝑖𝑡𝜆	X
ajeer-4146	118	4	+	+	PROPN
ajeer-4146	118	5	𝐹𝐸𝑖𝑡𝜋	𝐹𝐸𝑖𝑡𝜋	PROPN
ajeer-4146	118	6	+	+	NUM
ajeer-4146	118	7	𝜂𝑖	𝜂𝑖	X
ajeer-4146	118	8	(	(	PUNCT
ajeer-4146	118	9	3	3	NUM
ajeer-4146	118	10	)	)	PUNCT
ajeer-4146	118	11	where	where	SCONJ
ajeer-4146	118	12	povi	povi	NOUN
ajeer-4146	118	13	=	=	NOUN
ajeer-4146	118	14	1	1	NUM
ajeer-4146	118	15	if	if	SCONJ
ajeer-4146	118	16	pov∗	pov∗	NOUN
ajeer-4146	118	17	i	i	PRON
ajeer-4146	118	18	>	>	X
ajeer-4146	118	19	0	0	PUNCT
ajeer-4146	118	20	and	and	CCONJ
ajeer-4146	118	21	povi	povi	NOUN
ajeer-4146	119	1	=	=	NOUN
ajeer-4146	119	2	0	0	PUNCT
ajeer-4146	120	1	if	if	SCONJ
ajeer-4146	120	2	povi	povi	VERB
ajeer-4146	120	3	∗	∗	NOUN
ajeer-4146	120	4	≤	≤	NUM
ajeer-4146	120	5	0	0	NUM
ajeer-4146	121	1	the	the	DET
ajeer-4146	121	2	assumption	assumption	NOUN
ajeer-4146	121	3	is	be	AUX
ajeer-4146	121	4	that	that	SCONJ
ajeer-4146	121	5	ε	ε	PROPN
ajeer-4146	121	6	and	and	CCONJ
ajeer-4146	121	7	η	η	PROPN
ajeer-4146	121	8	are	be	AUX
ajeer-4146	121	9	normally	normally	ADV
ajeer-4146	121	10	distributed	distribute	VERB
ajeer-4146	121	11	,	,	PUNCT
ajeer-4146	121	12	with	with	ADP
ajeer-4146	121	13	a	a	DET
ajeer-4146	121	14	mean	mean	NOUN
ajeer-4146	121	15	of	of	ADP
ajeer-4146	121	16	0	0	NUM
ajeer-4146	121	17	and	and	CCONJ
ajeer-4146	121	18	a	a	DET
ajeer-4146	121	19	variance	variance	NOUN
ajeer-4146	121	20	of	of	ADP
ajeer-4146	121	21	1	1	NUM
ajeer-4146	121	22	,	,	PUNCT
ajeer-4146	121	23	and	and	CCONJ
ajeer-4146	121	24	ση	ση	ADJ
ajeer-4146	121	25	and	and	CCONJ
ajeer-4146	121	26	maximum	maximum	ADJ
ajeer-4146	121	27	likelihood	likelihood	NOUN
ajeer-4146	121	28	estimation	estimation	NOUN
ajeer-4146	121	29	(	(	PUNCT
ajeer-4146	121	30	mle	mle	PROPN
ajeer-4146	121	31	)	)	PUNCT
ajeer-4146	121	32	were	be	AUX
ajeer-4146	121	33	used	use	VERB
ajeer-4146	121	34	,	,	PUNCT
ajeer-4146	121	35	respectively	respectively	ADV
ajeer-4146	121	36	.	.	PUNCT
ajeer-4146	122	1	since	since	SCONJ
ajeer-4146	122	2	there	there	PRON
ajeer-4146	122	3	is	be	VERB
ajeer-4146	122	4	a	a	DET
ajeer-4146	122	5	selection	selection	NOUN
ajeer-4146	122	6	problem	problem	NOUN
ajeer-4146	122	7	,	,	PUNCT
ajeer-4146	122	8	cor(fei	cor(fei	PROPN
ajeer-4146	122	9	,	,	PUNCT
ajeer-4146	122	10	ηi	ηi	X
ajeer-4146	122	11	)	)	PUNCT
ajeer-4146	122	12	=	=	SYM
ajeer-4146	122	13	ρ	ρ	PROPN
ajeer-4146	122	14	6	6	NUM
ajeer-4146	122	15	=	=	SYM
ajeer-4146	122	16	0	0	NUM
ajeer-4146	122	17	,	,	PUNCT
ajeer-4146	122	18	the	the	DET
ajeer-4146	122	19	treatment	treatment	NOUN
ajeer-4146	122	20	effects	effect	NOUN
ajeer-4146	122	21	version	version	NOUN
ajeer-4146	122	22	of	of	ADP
ajeer-4146	122	23	the	the	DET
ajeer-4146	122	24	heckman	heckman	PROPN
ajeer-4146	122	25	sample	sample	PROPN
ajeer-4146	122	26	selection	selection	NOUN
ajeer-4146	122	27	model	model	NOUN
ajeer-4146	122	28	with	with	ADP
ajeer-4146	122	29	an	an	DET
ajeer-4146	122	30	appropriate	appropriate	ADJ
ajeer-4146	122	31	instrumental	instrumental	ADJ
ajeer-4146	122	32	variable	variable	NOUN
ajeer-4146	122	33	(	(	PUNCT
ajeer-4146	122	34	iv	iv	X
ajeer-4146	122	35	)	)	PUNCT
ajeer-4146	122	36	solves	solve	VERB
ajeer-4146	122	37	this	this	PRON
ajeer-4146	122	38	.	.	PUNCT
ajeer-4146	123	1	the	the	DET
ajeer-4146	123	2	variables	variable	NOUN
ajeer-4146	123	3	in	in	ADP
ajeer-4146	123	4	zi	zi	PROPN
ajeer-4146	123	5	are	be	AUX
ajeer-4146	123	6	exogenous	exogenous	ADJ
ajeer-4146	123	7	and	and	CCONJ
ajeer-4146	123	8	are	be	AUX
ajeer-4146	123	9	assumed	assume	VERB
ajeer-4146	123	10	to	to	PART
ajeer-4146	123	11	be	be	AUX
ajeer-4146	123	12	correlated	correlate	VERB
ajeer-4146	123	13	with	with	ADP
ajeer-4146	123	14	fei	fei	PROPN
ajeer-4146	123	15	but	but	CCONJ
ajeer-4146	123	16	not	not	PART
ajeer-4146	123	17	with	with	ADP
ajeer-4146	123	18	povi	povi	NOUN
ajeer-4146	123	19	.	.	PUNCT
ajeer-4146	124	1	equation	equation	NOUN
ajeer-4146	124	2	4	4	NUM
ajeer-4146	124	3	expresses	express	VERB
ajeer-4146	124	4	the	the	DET
ajeer-4146	124	5	expected	expect	VERB
ajeer-4146	124	6	poverty	poverty	NOUN
ajeer-4146	124	7	index	index	NOUN
ajeer-4146	124	8	for	for	ADP
ajeer-4146	124	9	those	those	PRON
ajeer-4146	124	10	who	who	PRON
ajeer-4146	124	11	are	be	AUX
ajeer-4146	124	12	financially	financially	ADV
ajeer-4146	124	13	excluded	exclude	VERB
ajeer-4146	124	14	as	as	ADP
ajeer-4146	124	15	:	:	PUNCT
ajeer-4146	124	16	asian	asian	ADJ
ajeer-4146	124	17	journal	journal	NOUN
ajeer-4146	124	18	of	of	ADP
ajeer-4146	124	19	economics	economic	NOUN
ajeer-4146	124	20	and	and	CCONJ
ajeer-4146	124	21	empirical	empirical	ADJ
ajeer-4146	124	22	research	research	NOUN
ajeer-4146	124	23	,	,	PUNCT
ajeer-4146	124	24	2022	2022	NUM
ajeer-4146	124	25	,	,	PUNCT
ajeer-4146	124	26	9(2	9(2	NUM
ajeer-4146	124	27	):	):	PUNCT
ajeer-4146	124	28	121	121	NUM
ajeer-4146	124	29	-	-	SYM
ajeer-4146	124	30	131	131	NUM
ajeer-4146	124	31	125	125	NUM
ajeer-4146	124	32	©	©	PROPN
ajeer-4146	124	33	2022	2022	NUM
ajeer-4146	124	34	by	by	ADP
ajeer-4146	124	35	the	the	DET
ajeer-4146	124	36	authors	author	NOUN
ajeer-4146	124	37	;	;	PUNCT
ajeer-4146	124	38	licensee	licensee	PROPN
ajeer-4146	124	39	asian	asian	ADJ
ajeer-4146	124	40	online	online	PROPN
ajeer-4146	124	41	journal	journal	PROPN
ajeer-4146	124	42	publishing	publishing	NOUN
ajeer-4146	124	43	group	group	NOUN
ajeer-4146	124	44	𝐸[𝑃𝑜𝑣𝑖𝑡	𝐸[𝑃𝑜𝑣𝑖𝑡	NOUN
ajeer-4146	124	45	|𝐹𝐸𝑖𝑡	|𝐹𝐸𝑖𝑡	VERB
ajeer-4146	124	46	=	=	SYM
ajeer-4146	125	1	1	1	X
ajeer-4146	125	2	]	]	PUNCT
ajeer-4146	125	3	=	=	PUNCT
ajeer-4146	125	4	𝑋′	𝑋′	X
ajeer-4146	125	5	𝑖𝑡𝜆	𝑖𝑡𝜆	X
ajeer-4146	126	1	+	+	CCONJ
ajeer-4146	126	2	𝜋	𝜋	NOUN
ajeer-4146	126	3	+	+	X
ajeer-4146	126	4	𝜌𝜎𝜂	𝜌𝜎𝜂	X
ajeer-4146	126	5	[	[	PUNCT
ajeer-4146	126	6	𝜑(𝜃0	𝜑(𝜃0	NOUN
ajeer-4146	126	7	+	+	CCONJ
ajeer-4146	126	8	𝑋′	𝑋′	ADJ
ajeer-4146	126	9	𝑖𝑡	𝑖𝑡	ADP
ajeer-4146	126	10	𝜃	𝜃	X
ajeer-4146	126	11	+	+	CCONJ
ajeer-4146	126	12	𝑍′	𝑍′	NUM
ajeer-4146	126	13	𝑖𝑡𝛾	𝑖𝑡𝛾	ADJ
ajeer-4146	126	14	)	)	PUNCT
ajeer-4146	126	15	φ(𝜃0	φ(𝜃0	VERB
ajeer-4146	127	1	+	+	CCONJ
ajeer-4146	127	2	𝑋′	𝑋′	ADJ
ajeer-4146	127	3	𝑖𝑡	𝑖𝑡	X
ajeer-4146	127	4	𝜃	𝜃	X
ajeer-4146	127	5	+	+	CCONJ
ajeer-4146	127	6	𝑍′	𝑍′	X
ajeer-4146	127	7	𝑖𝑡𝛾	𝑖𝑡𝛾	PROPN
ajeer-4146	127	8	)	)	PUNCT
ajeer-4146	127	9	]	]	PUNCT
ajeer-4146	127	10	(	(	PUNCT
ajeer-4146	127	11	4	4	X
ajeer-4146	127	12	)	)	PUNCT
ajeer-4146	127	13	where	where	SCONJ
ajeer-4146	127	14	φ	φ	PROPN
ajeer-4146	127	15	is	be	AUX
ajeer-4146	127	16	the	the	DET
ajeer-4146	127	17	standard	standard	ADJ
ajeer-4146	127	18	normal	normal	ADJ
ajeer-4146	127	19	density	density	NOUN
ajeer-4146	127	20	function	function	NOUN
ajeer-4146	127	21	and	and	CCONJ
ajeer-4146	127	22	φ	φ	PROPN
ajeer-4146	127	23	is	be	AUX
ajeer-4146	127	24	the	the	DET
ajeer-4146	127	25	standard	standard	ADJ
ajeer-4146	127	26	normal	normal	ADJ
ajeer-4146	127	27	cumulative	cumulative	ADJ
ajeer-4146	127	28	distribution	distribution	NOUN
ajeer-4146	127	29	function	function	NOUN
ajeer-4146	127	30	.	.	PUNCT
ajeer-4146	128	1	the	the	DET
ajeer-4146	128	2	ratio	ratio	NOUN
ajeer-4146	128	3	φ	φ	PROPN
ajeer-4146	128	4	to	to	ADP
ajeer-4146	128	5	φ	φ	PROPN
ajeer-4146	128	6	is	be	AUX
ajeer-4146	128	7	called	call	VERB
ajeer-4146	128	8	the	the	DET
ajeer-4146	128	9	inverse	inverse	NOUN
ajeer-4146	128	10	mill	mill	NOUN
ajeer-4146	128	11	’s	’s	PART
ajeer-4146	128	12	ratio	ratio	NOUN
ajeer-4146	128	13	and	and	CCONJ
ajeer-4146	128	14	helps	help	VERB
ajeer-4146	128	15	to	to	PART
ajeer-4146	128	16	determine	determine	VERB
ajeer-4146	128	17	whether	whether	SCONJ
ajeer-4146	128	18	the	the	DET
ajeer-4146	128	19	ols	ol	NOUN
ajeer-4146	128	20	estimation	estimation	NOUN
ajeer-4146	128	21	should	should	AUX
ajeer-4146	128	22	be	be	AUX
ajeer-4146	128	23	considered	consider	VERB
ajeer-4146	128	24	or	or	CCONJ
ajeer-4146	128	25	the	the	DET
ajeer-4146	128	26	model	model	NOUN
ajeer-4146	128	27	estimation	estimation	NOUN
ajeer-4146	128	28	should	should	AUX
ajeer-4146	128	29	use	use	VERB
ajeer-4146	128	30	the	the	DET
ajeer-4146	128	31	mle	mle	NOUN
ajeer-4146	128	32	.	.	PUNCT
ajeer-4146	129	1	the	the	DET
ajeer-4146	129	2	expected	expect	VERB
ajeer-4146	129	3	poverty	poverty	NOUN
ajeer-4146	129	4	index	index	NOUN
ajeer-4146	129	5	for	for	ADP
ajeer-4146	129	6	those	those	PRON
ajeer-4146	129	7	who	who	PRON
ajeer-4146	129	8	are	be	AUX
ajeer-4146	129	9	not	not	PART
ajeer-4146	129	10	financially	financially	ADV
ajeer-4146	129	11	excluded	exclude	VERB
ajeer-4146	129	12	is	be	AUX
ajeer-4146	129	13	expressed	express	VERB
ajeer-4146	129	14	in	in	ADP
ajeer-4146	129	15	equation	equation	NOUN
ajeer-4146	129	16	5	5	NUM
ajeer-4146	129	17	:	:	PUNCT
ajeer-4146	129	18	𝐸[𝑃𝑜𝑣𝑖𝑡	𝐸[𝑃𝑜𝑣𝑖𝑡	NOUN
ajeer-4146	129	19	|𝐹𝐸𝑖𝑡	|𝐹𝐸𝑖𝑡	VERB
ajeer-4146	129	20	=	=	SYM
ajeer-4146	129	21	0	0	X
ajeer-4146	129	22	]	]	X
ajeer-4146	129	23	=	=	SYM
ajeer-4146	129	24	𝑋′	𝑋′	ADJ
ajeer-4146	129	25	𝑖𝑡𝜆	𝑖𝑡𝜆	X
ajeer-4146	129	26	−	−	PROPN
ajeer-4146	129	27	𝜌𝜎𝜂	𝜌𝜎𝜂	NOUN
ajeer-4146	129	28	[	[	PUNCT
ajeer-4146	129	29	𝜑(𝜃	𝜑(𝜃	VERB
ajeer-4146	129	30	+	+	CCONJ
ajeer-4146	129	31	𝑋′	𝑋′	ADJ
ajeer-4146	129	32	𝑖𝑡	𝑖𝑡	ADP
ajeer-4146	129	33	𝜃	𝜃	X
ajeer-4146	129	34	+	+	CCONJ
ajeer-4146	129	35	𝑍′	𝑍′	NUM
ajeer-4146	129	36	𝑖𝑡𝛾	𝑖𝑡𝛾	ADJ
ajeer-4146	129	37	)	)	PUNCT
ajeer-4146	129	38	φ(𝜃	φ(𝜃	NOUN
ajeer-4146	129	39	+	+	CCONJ
ajeer-4146	129	40	𝑋′	𝑋′	PROPN
ajeer-4146	129	41	𝑖𝑡𝜃	𝑖𝑡𝜃	ADJ
ajeer-4146	129	42	+	+	CCONJ
ajeer-4146	129	43	𝑍′	𝑍′	NUM
ajeer-4146	129	44	𝑖𝑡𝛾	𝑖𝑡𝛾	PROPN
ajeer-4146	129	45	)	)	PUNCT
ajeer-4146	129	46	]	]	PUNCT
ajeer-4146	129	47	(	(	PUNCT
ajeer-4146	129	48	5	5	X
ajeer-4146	129	49	)	)	PUNCT
ajeer-4146	129	50	equation	equation	NOUN
ajeer-4146	129	51	6	6	NUM
ajeer-4146	129	52	below	below	ADV
ajeer-4146	129	53	provides	provide	VERB
ajeer-4146	129	54	the	the	DET
ajeer-4146	129	55	expected	expect	VERB
ajeer-4146	129	56	effect	effect	NOUN
ajeer-4146	129	57	of	of	ADP
ajeer-4146	129	58	poverty	poverty	NOUN
ajeer-4146	129	59	associated	associate	VERB
ajeer-4146	129	60	with	with	ADP
ajeer-4146	129	61	financial	financial	ADJ
ajeer-4146	129	62	exclusion	exclusion	NOUN
ajeer-4146	129	63	:	:	PUNCT
ajeer-4146	129	64	𝐸[𝑃𝑜𝑣𝑖𝑡	𝐸[𝑃𝑜𝑣𝑖𝑡	NOUN
ajeer-4146	129	65	|𝐹𝐸𝑖𝑡	|𝐹𝐸𝑖𝑡	VERB
ajeer-4146	129	66	=	=	SYM
ajeer-4146	129	67	1	1	X
ajeer-4146	129	68	]	]	PUNCT
ajeer-4146	129	69	−	−	PROPN
ajeer-4146	129	70	𝐸[𝑃𝑜𝑣𝑖𝑡	𝐸[𝑃𝑜𝑣𝑖𝑡	NOUN
ajeer-4146	129	71	|𝐹𝐸𝑖𝑡	|𝐹𝐸𝑖𝑡	NOUN
ajeer-4146	129	72	=	=	SYM
ajeer-4146	129	73	0	0	X
ajeer-4146	129	74	]	]	X
ajeer-4146	129	75	=	=	SYM
ajeer-4146	129	76	𝜋	𝜋	X
ajeer-4146	129	77	+	+	X
ajeer-4146	129	78	𝜌𝜎𝜂	𝜌𝜎𝜂	X
ajeer-4146	129	79	[	[	PUNCT
ajeer-4146	129	80	𝜑	𝜑	X
ajeer-4146	129	81	(	(	PUNCT
ajeer-4146	129	82	.	.	PUNCT
ajeer-4146	129	83	)	)	PUNCT
ajeer-4146	130	1	φ	φ	PROPN
ajeer-4146	130	2	(	(	PUNCT
ajeer-4146	130	3	.	.	PUNCT
ajeer-4146	130	4	)	)	PUNCT
ajeer-4146	131	1	[	[	X
ajeer-4146	131	2	1	1	NUM
ajeer-4146	131	3	−	−	NUM
ajeer-4146	131	4	φ	φ	NUM
ajeer-4146	131	5	(	(	PUNCT
ajeer-4146	131	6	.	.	PUNCT
ajeer-4146	131	7	)	)	PUNCT
ajeer-4146	131	8	]	]	PUNCT
ajeer-4146	131	9	]	]	PUNCT
ajeer-4146	131	10	(	(	PUNCT
ajeer-4146	131	11	6	6	X
ajeer-4146	131	12	)	)	PUNCT
ajeer-4146	131	13	the	the	DET
ajeer-4146	131	14	coefficient	coefficient	NOUN
ajeer-4146	131	15	δ	δ	PROPN
ajeer-4146	131	16	(	(	PUNCT
ajeer-4146	131	17	estimation	estimation	NOUN
ajeer-4146	131	18	from	from	ADP
ajeer-4146	131	19	equation	equation	NOUN
ajeer-4146	131	20	1	1	NUM
ajeer-4146	131	21	)	)	PUNCT
ajeer-4146	131	22	is	be	AUX
ajeer-4146	131	23	biased	bias	VERB
ajeer-4146	131	24	upwards	upwards	ADV
ajeer-4146	131	25	(	(	PUNCT
ajeer-4146	131	26	downwards	downward	NOUN
ajeer-4146	131	27	)	)	PUNCT
ajeer-4146	131	28	if	if	SCONJ
ajeer-4146	131	29	the	the	DET
ajeer-4146	131	30	estimated	estimate	VERB
ajeer-4146	131	31	coefficient	coefficient	NOUN
ajeer-4146	131	32	of	of	ADP
ajeer-4146	131	33	ρ	ρ	PROPN
ajeer-4146	131	34	is	be	AUX
ajeer-4146	131	35	positive	positive	ADJ
ajeer-4146	131	36	(	(	PUNCT
ajeer-4146	131	37	negative	negative	ADJ
ajeer-4146	131	38	)	)	PUNCT
ajeer-4146	131	39	.	.	PUNCT
ajeer-4146	132	1	since	since	SCONJ
ajeer-4146	132	2	ση	ση	PROPN
ajeer-4146	132	3	is	be	AUX
ajeer-4146	132	4	positive	positive	ADJ
ajeer-4146	132	5	,	,	PUNCT
ajeer-4146	132	6	the	the	DET
ajeer-4146	132	7	sign	sign	NOUN
ajeer-4146	132	8	and	and	CCONJ
ajeer-4146	132	9	significance	significance	NOUN
ajeer-4146	132	10	of	of	ADP
ajeer-4146	132	11	the	the	DET
ajeer-4146	132	12	estimate	estimate	NOUN
ajeer-4146	132	13	of	of	ADP
ajeer-4146	132	14	ρση	ρση	PROPN
ajeer-4146	132	15	will	will	AUX
ajeer-4146	132	16	show	show	VERB
ajeer-4146	132	17	whether	whether	SCONJ
ajeer-4146	132	18	any	any	DET
ajeer-4146	132	19	selection	selection	NOUN
ajeer-4146	132	20	bias	bias	NOUN
ajeer-4146	132	21	exists	exist	VERB
ajeer-4146	132	22	(	(	PUNCT
ajeer-4146	132	23	imai	imai	PROPN
ajeer-4146	132	24	&	&	CCONJ
ajeer-4146	132	25	arun	arun	PROPN
ajeer-4146	132	26	,	,	PUNCT
ajeer-4146	132	27	2008	2008	NUM
ajeer-4146	132	28	;	;	PUNCT
ajeer-4146	132	29	imai	imai	PROPN
ajeer-4146	132	30	et	et	PROPN
ajeer-4146	132	31	al	al	PROPN
ajeer-4146	132	32	.	.	PROPN
ajeer-4146	132	33	,	,	PUNCT
ajeer-4146	132	34	2010	2010	NUM
ajeer-4146	132	35	;	;	PUNCT
ajeer-4146	132	36	mohammed	mohammed	PROPN
ajeer-4146	132	37	et	et	PROPN
ajeer-4146	132	38	al	al	PROPN
ajeer-4146	132	39	.	.	PROPN
ajeer-4146	132	40	,	,	PUNCT
ajeer-4146	132	41	2017	2017	NUM
ajeer-4146	132	42	)	)	PUNCT
ajeer-4146	132	43	.	.	PUNCT
ajeer-4146	133	1	2.2.3	2.2.3	X
ajeer-4146	133	2	.	.	X
ajeer-4146	133	3	robustness	robustness	NOUN
ajeer-4146	133	4	check	check	VERB
ajeer-4146	133	5	the	the	DET
ajeer-4146	133	6	heckman	heckman	PROPN
ajeer-4146	133	7	sample	sample	PROPN
ajeer-4146	133	8	selection	selection	NOUN
ajeer-4146	133	9	(	(	PUNCT
ajeer-4146	133	10	heckman	heckman	PROPN
ajeer-4146	133	11	,	,	PUNCT
ajeer-4146	133	12	1979	1979	NUM
ajeer-4146	133	13	)	)	PUNCT
ajeer-4146	133	14	only	only	ADV
ajeer-4146	133	15	addresses	address	VERB
ajeer-4146	133	16	the	the	DET
ajeer-4146	133	17	issue	issue	NOUN
ajeer-4146	133	18	of	of	ADP
ajeer-4146	133	19	bias	bias	NOUN
ajeer-4146	133	20	created	create	VERB
ajeer-4146	133	21	by	by	ADP
ajeer-4146	133	22	the	the	DET
ajeer-4146	133	23	sample	sample	NOUN
ajeer-4146	133	24	in	in	ADP
ajeer-4146	133	25	the	the	DET
ajeer-4146	133	26	model	model	NOUN
ajeer-4146	133	27	.	.	PUNCT
ajeer-4146	134	1	the	the	DET
ajeer-4146	134	2	hypothesis	hypothesis	NOUN
ajeer-4146	134	3	formulated	formulate	VERB
ajeer-4146	134	4	in	in	ADP
ajeer-4146	134	5	this	this	DET
ajeer-4146	134	6	study	study	NOUN
ajeer-4146	134	7	is	be	AUX
ajeer-4146	134	8	that	that	SCONJ
ajeer-4146	134	9	financial	financial	ADJ
ajeer-4146	134	10	exclusion	exclusion	NOUN
ajeer-4146	134	11	increases	increase	VERB
ajeer-4146	134	12	the	the	DET
ajeer-4146	134	13	poverty	poverty	NOUN
ajeer-4146	134	14	level	level	NOUN
ajeer-4146	134	15	.	.	PUNCT
ajeer-4146	135	1	however	however	ADV
ajeer-4146	135	2	,	,	PUNCT
ajeer-4146	135	3	an	an	DET
ajeer-4146	135	4	increase	increase	NOUN
ajeer-4146	135	5	in	in	ADP
ajeer-4146	135	6	poverty	poverty	NOUN
ajeer-4146	135	7	level	level	NOUN
ajeer-4146	135	8	could	could	AUX
ajeer-4146	135	9	potentially	potentially	ADV
ajeer-4146	135	10	reduce	reduce	VERB
ajeer-4146	135	11	households	household	NOUN
ajeer-4146	135	12	’	'	PUNCT
ajeer-4146	135	13	access	access	NOUN
ajeer-4146	135	14	to	to	ADP
ajeer-4146	135	15	financial	financial	ADJ
ajeer-4146	135	16	services	service	NOUN
ajeer-4146	135	17	,	,	PUNCT
ajeer-4146	135	18	leading	lead	VERB
ajeer-4146	135	19	them	they	PRON
ajeer-4146	135	20	to	to	ADP
ajeer-4146	135	21	becoming	becoming	AUX
ajeer-4146	135	22	financially	financially	ADV
ajeer-4146	135	23	excluded	exclude	VERB
ajeer-4146	135	24	.	.	PUNCT
ajeer-4146	136	1	to	to	PART
ajeer-4146	136	2	address	address	VERB
ajeer-4146	136	3	this	this	DET
ajeer-4146	136	4	issue	issue	NOUN
ajeer-4146	136	5	,	,	PUNCT
ajeer-4146	136	6	we	we	PRON
ajeer-4146	136	7	take	take	VERB
ajeer-4146	136	8	advantage	advantage	NOUN
ajeer-4146	136	9	of	of	ADP
ajeer-4146	136	10	our	our	PRON
ajeer-4146	136	11	financial	financial	ADJ
ajeer-4146	136	12	inclusion	inclusion	NOUN
ajeer-4146	136	13	measure	measure	PROPN
ajeer-4146	136	14	fei	fei	PROPN
ajeer-4146	136	15	,	,	PUNCT
ajeer-4146	136	16	which	which	PRON
ajeer-4146	136	17	is	be	AUX
ajeer-4146	136	18	binary	binary	ADJ
ajeer-4146	136	19	,	,	PUNCT
ajeer-4146	136	20	and	and	CCONJ
ajeer-4146	136	21	apply	apply	VERB
ajeer-4146	136	22	the	the	DET
ajeer-4146	136	23	propensity	propensity	NOUN
ajeer-4146	136	24	score	score	NOUN
ajeer-4146	136	25	matching	matching	NOUN
ajeer-4146	136	26	(	(	PUNCT
ajeer-4146	136	27	psm	psm	NOUN
ajeer-4146	136	28	)	)	PUNCT
ajeer-4146	136	29	estimation	estimation	NOUN
ajeer-4146	136	30	proposed	propose	VERB
ajeer-4146	136	31	by	by	ADP
ajeer-4146	136	32	rosenbaum	rosenbaum	PROPN
ajeer-4146	136	33	and	and	CCONJ
ajeer-4146	136	34	rubin	rubin	PROPN
ajeer-4146	136	35	(	(	PUNCT
ajeer-4146	136	36	1983	1983	NUM
ajeer-4146	136	37	)	)	PUNCT
ajeer-4146	136	38	.	.	PUNCT
ajeer-4146	137	1	since	since	SCONJ
ajeer-4146	137	2	it	it	PRON
ajeer-4146	137	3	is	be	AUX
ajeer-4146	137	4	not	not	PART
ajeer-4146	137	5	possible	possible	ADJ
ajeer-4146	137	6	to	to	PART
ajeer-4146	137	7	see	see	VERB
ajeer-4146	137	8	the	the	DET
ajeer-4146	137	9	counterfactual	counterfactual	ADJ
ajeer-4146	137	10	(	(	PUNCT
ajeer-4146	137	11	here	here	ADV
ajeer-4146	137	12	,	,	PUNCT
ajeer-4146	137	13	it	it	PRON
ajeer-4146	137	14	is	be	AUX
ajeer-4146	137	15	the	the	DET
ajeer-4146	137	16	level	level	NOUN
ajeer-4146	137	17	of	of	ADP
ajeer-4146	137	18	poverty	poverty	NOUN
ajeer-4146	137	19	if	if	SCONJ
ajeer-4146	137	20	the	the	DET
ajeer-4146	137	21	individual	individual	NOUN
ajeer-4146	137	22	were	be	AUX
ajeer-4146	137	23	financially	financially	ADV
ajeer-4146	137	24	included	include	VERB
ajeer-4146	137	25	)	)	PUNCT
ajeer-4146	137	26	,	,	PUNCT
ajeer-4146	137	27	then	then	ADV
ajeer-4146	137	28	it	it	PRON
ajeer-4146	137	29	will	will	AUX
ajeer-4146	137	30	not	not	PART
ajeer-4146	137	31	be	be	AUX
ajeer-4146	137	32	possible	possible	ADJ
ajeer-4146	137	33	to	to	PART
ajeer-4146	137	34	observe	observe	VERB
ajeer-4146	137	35	the	the	DET
ajeer-4146	137	36	level	level	NOUN
ajeer-4146	137	37	of	of	ADP
ajeer-4146	137	38	poverty	poverty	NOUN
ajeer-4146	137	39	of	of	ADP
ajeer-4146	137	40	financially	financially	ADV
ajeer-4146	137	41	included	include	VERB
ajeer-4146	137	42	individuals	individual	NOUN
ajeer-4146	137	43	.	.	PUNCT
ajeer-4146	138	1	psm	psm	PROPN
ajeer-4146	138	2	addresses	address	NOUN
ajeer-4146	138	3	this	this	DET
ajeer-4146	138	4	problem	problem	NOUN
ajeer-4146	138	5	by	by	ADP
ajeer-4146	138	6	constructing	construct	VERB
ajeer-4146	138	7	the	the	DET
ajeer-4146	138	8	counterfactual	counterfactual	ADJ
ajeer-4146	138	9	situation	situation	NOUN
ajeer-4146	138	10	according	accord	VERB
ajeer-4146	138	11	to	to	ADP
ajeer-4146	138	12	the	the	DET
ajeer-4146	138	13	treatment	treatment	NOUN
ajeer-4146	138	14	variable	variable	NOUN
ajeer-4146	138	15	.	.	PUNCT
ajeer-4146	139	1	two	two	NUM
ajeer-4146	139	2	groups	group	NOUN
ajeer-4146	139	3	are	be	AUX
ajeer-4146	139	4	formed	form	VERB
ajeer-4146	139	5	:	:	PUNCT
ajeer-4146	139	6	the	the	DET
ajeer-4146	139	7	treatment	treatment	NOUN
ajeer-4146	139	8	group	group	NOUN
ajeer-4146	139	9	(	(	PUNCT
ajeer-4146	139	10	financially	financially	ADV
ajeer-4146	139	11	excluded	exclude	VERB
ajeer-4146	139	12	,	,	PUNCT
ajeer-4146	139	13	fei	fei	NOUN
ajeer-4146	139	14	=	=	PROPN
ajeer-4146	139	15	1	1	NUM
ajeer-4146	139	16	)	)	PUNCT
ajeer-4146	139	17	and	and	CCONJ
ajeer-4146	139	18	the	the	DET
ajeer-4146	139	19	control	control	NOUN
ajeer-4146	139	20	group	group	NOUN
ajeer-4146	139	21	(	(	PUNCT
ajeer-4146	139	22	financially	financially	ADV
ajeer-4146	139	23	included	include	VERB
ajeer-4146	139	24	,	,	PUNCT
ajeer-4146	139	25	fei	fei	PROPN
ajeer-4146	139	26	=	=	PROPN
ajeer-4146	139	27	0	0	NUM
ajeer-4146	139	28	)	)	PUNCT
ajeer-4146	139	29	.	.	PUNCT
ajeer-4146	140	1	by	by	ADP
ajeer-4146	140	2	comparing	compare	VERB
ajeer-4146	140	3	the	the	DET
ajeer-4146	140	4	two	two	NUM
ajeer-4146	140	5	groups	group	NOUN
ajeer-4146	140	6	,	,	PUNCT
ajeer-4146	140	7	we	we	PRON
ajeer-4146	140	8	obtained	obtain	VERB
ajeer-4146	140	9	an	an	DET
ajeer-4146	140	10	estimate	estimate	NOUN
ajeer-4146	140	11	of	of	ADP
ajeer-4146	140	12	the	the	DET
ajeer-4146	140	13	effects	effect	NOUN
ajeer-4146	140	14	of	of	ADP
ajeer-4146	140	15	financial	financial	ADJ
ajeer-4146	140	16	exclusion	exclusion	NOUN
ajeer-4146	140	17	on	on	ADP
ajeer-4146	140	18	poverty	poverty	NOUN
ajeer-4146	140	19	under	under	ADP
ajeer-4146	140	20	the	the	DET
ajeer-4146	140	21	unconfoundedness	unconfoundedness	NOUN
ajeer-4146	140	22	(	(	PUNCT
ajeer-4146	140	23	treatment	treatment	NOUN
ajeer-4146	140	24	assignment	assignment	NOUN
ajeer-4146	140	25	is	be	AUX
ajeer-4146	140	26	independent	independent	ADJ
ajeer-4146	140	27	of	of	ADP
ajeer-4146	140	28	the	the	DET
ajeer-4146	140	29	outcomes	outcome	NOUN
ajeer-4146	140	30	,	,	PUNCT
ajeer-4146	140	31	conditional	conditional	ADJ
ajeer-4146	140	32	on	on	ADP
ajeer-4146	140	33	the	the	DET
ajeer-4146	140	34	covariates	covariate	NOUN
ajeer-4146	140	35	)	)	PUNCT
ajeer-4146	140	36	and	and	CCONJ
ajeer-4146	140	37	overlap	overlap	NOUN
ajeer-4146	140	38	or	or	CCONJ
ajeer-4146	140	39	common	common	ADJ
ajeer-4146	140	40	support	support	NOUN
ajeer-4146	140	41	condition	condition	NOUN
ajeer-4146	140	42	assumptions	assumption	NOUN
ajeer-4146	140	43	(	(	PUNCT
ajeer-4146	140	44	the	the	DET
ajeer-4146	140	45	probability	probability	NOUN
ajeer-4146	140	46	of	of	ADP
ajeer-4146	140	47	assignment	assignment	NOUN
ajeer-4146	140	48	falls	fall	VERB
ajeer-4146	140	49	between	between	ADP
ajeer-4146	140	50	zero	zero	NUM
ajeer-4146	140	51	and	and	CCONJ
ajeer-4146	140	52	one	one	NUM
ajeer-4146	140	53	)	)	PUNCT
ajeer-4146	140	54	(	(	PUNCT
ajeer-4146	140	55	rosenbaum	rosenbaum	PROPN
ajeer-4146	140	56	&	&	CCONJ
ajeer-4146	140	57	rubin	rubin	PROPN
ajeer-4146	140	58	,	,	PUNCT
ajeer-4146	140	59	1983	1983	NUM
ajeer-4146	140	60	)	)	PUNCT
ajeer-4146	140	61	.	.	PUNCT
ajeer-4146	141	1	from	from	ADP
ajeer-4146	141	2	caliendo	caliendo	PROPN
ajeer-4146	141	3	and	and	CCONJ
ajeer-4146	141	4	kopeinig	kopeinig	PROPN
ajeer-4146	141	5	(	(	PUNCT
ajeer-4146	141	6	2008	2008	NUM
ajeer-4146	141	7	)	)	PUNCT
ajeer-4146	141	8	,	,	PUNCT
ajeer-4146	141	9	in	in	ADP
ajeer-4146	141	10	the	the	DET
ajeer-4146	141	11	practical	practical	ADJ
ajeer-4146	141	12	guide	guide	NOUN
ajeer-4146	141	13	for	for	ADP
ajeer-4146	141	14	the	the	DET
ajeer-4146	141	15	implementation	implementation	NOUN
ajeer-4146	141	16	of	of	ADP
ajeer-4146	141	17	propensity	propensity	NOUN
ajeer-4146	141	18	score	score	NOUN
ajeer-4146	141	19	matching	matching	NOUN
ajeer-4146	141	20	,	,	PUNCT
ajeer-4146	141	21	the	the	DET
ajeer-4146	141	22	steps	step	NOUN
ajeer-4146	141	23	can	can	AUX
ajeer-4146	141	24	be	be	AUX
ajeer-4146	141	25	summarized	summarize	VERB
ajeer-4146	141	26	in	in	ADP
ajeer-4146	141	27	five	five	NUM
ajeer-4146	141	28	points	point	NOUN
ajeer-4146	141	29	:	:	PUNCT
ajeer-4146	141	30	(	(	PUNCT
ajeer-4146	141	31	1	1	X
ajeer-4146	141	32	)	)	PUNCT
ajeer-4146	141	33	determine	determine	VERB
ajeer-4146	141	34	the	the	DET
ajeer-4146	141	35	observational	observational	ADJ
ajeer-4146	141	36	covariates	covariate	NOUN
ajeer-4146	141	37	and	and	CCONJ
ajeer-4146	141	38	estimate	estimate	VERB
ajeer-4146	141	39	the	the	DET
ajeer-4146	141	40	propensity	propensity	NOUN
ajeer-4146	141	41	scores	score	NOUN
ajeer-4146	141	42	from	from	ADP
ajeer-4146	141	43	the	the	DET
ajeer-4146	141	44	dataset	dataset	NOUN
ajeer-4146	141	45	.	.	PUNCT
ajeer-4146	142	1	the	the	DET
ajeer-4146	142	2	choice	choice	NOUN
ajeer-4146	142	3	of	of	ADP
ajeer-4146	142	4	model	model	NOUN
ajeer-4146	142	5	to	to	PART
ajeer-4146	142	6	determine	determine	VERB
ajeer-4146	142	7	if	if	SCONJ
ajeer-4146	142	8	the	the	DET
ajeer-4146	142	9	propensity	propensity	NOUN
ajeer-4146	142	10	score	score	NOUN
ajeer-4146	142	11	is	be	AUX
ajeer-4146	142	12	problematic	problematic	ADJ
ajeer-4146	142	13	,	,	PUNCT
ajeer-4146	142	14	but	but	CCONJ
ajeer-4146	142	15	since	since	SCONJ
ajeer-4146	142	16	our	our	PRON
ajeer-4146	142	17	treatment	treatment	NOUN
ajeer-4146	142	18	variable	variable	NOUN
ajeer-4146	142	19	is	be	AUX
ajeer-4146	142	20	binary	binary	ADJ
ajeer-4146	142	21	,	,	PUNCT
ajeer-4146	142	22	the	the	DET
ajeer-4146	142	23	logit	logit	NOUN
ajeer-4146	142	24	model	model	NOUN
ajeer-4146	142	25	is	be	AUX
ajeer-4146	142	26	selected	select	VERB
ajeer-4146	142	27	.	.	PUNCT
ajeer-4146	143	1	(	(	PUNCT
ajeer-4146	143	2	2	2	X
ajeer-4146	143	3	)	)	PUNCT
ajeer-4146	143	4	choose	choose	VERB
ajeer-4146	143	5	a	a	DET
ajeer-4146	143	6	matching	matching	NOUN
ajeer-4146	143	7	algorithm	algorithm	NOUN
ajeer-4146	143	8	.	.	PUNCT
ajeer-4146	144	1	since	since	SCONJ
ajeer-4146	144	2	each	each	DET
ajeer-4146	144	3	matching	matching	NOUN
ajeer-4146	144	4	algorithm	algorithm	NOUN
ajeer-4146	144	5	presents	present	NOUN
ajeer-4146	144	6	advantages	advantage	NOUN
ajeer-4146	144	7	and	and	CCONJ
ajeer-4146	144	8	disadvantages	disadvantage	NOUN
ajeer-4146	144	9	,	,	PUNCT
ajeer-4146	144	10	we	we	PRON
ajeer-4146	144	11	employed	employ	VERB
ajeer-4146	144	12	different	different	ADJ
ajeer-4146	144	13	matching	matching	NOUN
ajeer-4146	144	14	algorithms	algorithm	NOUN
ajeer-4146	144	15	in	in	ADP
ajeer-4146	144	16	our	our	PRON
ajeer-4146	144	17	analysis	analysis	NOUN
ajeer-4146	144	18	.	.	PUNCT
ajeer-4146	145	1	we	we	PRON
ajeer-4146	145	2	used	use	VERB
ajeer-4146	145	3	nearest	near	ADJ
ajeer-4146	145	4	neighbor	neighbor	NOUN
ajeer-4146	145	5	,	,	PUNCT
ajeer-4146	145	6	radius	radius	NOUN
ajeer-4146	145	7	matching	matching	NOUN
ajeer-4146	145	8	,	,	PUNCT
ajeer-4146	145	9	stratification	stratification	NOUN
ajeer-4146	145	10	matching	matching	NOUN
ajeer-4146	145	11	,	,	PUNCT
ajeer-4146	145	12	and	and	CCONJ
ajeer-4146	145	13	kernel	kernel	PROPN
ajeer-4146	145	14	matching	matching	NOUN
ajeer-4146	145	15	.	.	PUNCT
ajeer-4146	146	1	for	for	ADP
ajeer-4146	146	2	further	further	ADJ
ajeer-4146	146	3	details	detail	NOUN
ajeer-4146	146	4	and	and	CCONJ
ajeer-4146	146	5	formulas	formula	NOUN
ajeer-4146	146	6	regarding	regard	VERB
ajeer-4146	146	7	these	these	DET
ajeer-4146	146	8	matching	match	VERB
ajeer-4146	146	9	algorithms	algorithm	NOUN
ajeer-4146	146	10	,	,	PUNCT
ajeer-4146	146	11	see	see	VERB
ajeer-4146	146	12	,	,	PUNCT
ajeer-4146	146	13	e.g.	e.g.	ADV
ajeer-4146	146	14	,	,	PUNCT
ajeer-4146	146	15	becker	becker	NOUN
ajeer-4146	146	16	and	and	CCONJ
ajeer-4146	146	17	ichino	ichino	ADJ
ajeer-4146	146	18	(	(	PUNCT
ajeer-4146	146	19	2002	2002	NUM
ajeer-4146	146	20	)	)	PUNCT
ajeer-4146	146	21	.	.	PUNCT
ajeer-4146	147	1	(	(	PUNCT
ajeer-4146	147	2	3	3	X
ajeer-4146	147	3	)	)	PUNCT
ajeer-4146	147	4	check	check	NOUN
ajeer-4146	147	5	overlap	overlap	NOUN
ajeer-4146	147	6	(	(	PUNCT
ajeer-4146	147	7	region	region	NOUN
ajeer-4146	147	8	of	of	ADP
ajeer-4146	147	9	common	common	ADJ
ajeer-4146	147	10	support	support	NOUN
ajeer-4146	147	11	between	between	ADP
ajeer-4146	147	12	the	the	DET
ajeer-4146	147	13	treatment	treatment	NOUN
ajeer-4146	147	14	and	and	CCONJ
ajeer-4146	147	15	control	control	NOUN
ajeer-4146	147	16	groups	group	NOUN
ajeer-4146	147	17	)	)	PUNCT
ajeer-4146	147	18	.	.	PUNCT
ajeer-4146	148	1	(	(	PUNCT
ajeer-4146	148	2	4	4	X
ajeer-4146	148	3	)	)	PUNCT
ajeer-4146	148	4	match	match	VERB
ajeer-4146	148	5	quality	quality	NOUN
ajeer-4146	148	6	/	/	SYM
ajeer-4146	148	7	effect	effect	NOUN
ajeer-4146	148	8	estimation	estimation	NOUN
ajeer-4146	148	9	(	(	PUNCT
ajeer-4146	148	10	check	check	VERB
ajeer-4146	148	11	whether	whether	SCONJ
ajeer-4146	148	12	the	the	DET
ajeer-4146	148	13	procedure	procedure	NOUN
ajeer-4146	148	14	can	can	AUX
ajeer-4146	148	15	balance	balance	VERB
ajeer-4146	148	16	the	the	DET
ajeer-4146	148	17	distribution	distribution	NOUN
ajeer-4146	148	18	of	of	ADP
ajeer-4146	148	19	the	the	DET
ajeer-4146	148	20	relevant	relevant	ADJ
ajeer-4146	148	21	variable	variable	NOUN
ajeer-4146	148	22	in	in	ADP
ajeer-4146	148	23	both	both	CCONJ
ajeer-4146	148	24	the	the	DET
ajeer-4146	148	25	treatment	treatment	NOUN
ajeer-4146	148	26	and	and	CCONJ
ajeer-4146	148	27	control	control	NOUN
ajeer-4146	148	28	groups	group	NOUN
ajeer-4146	148	29	)	)	PUNCT
ajeer-4146	148	30	.	.	PUNCT
ajeer-4146	149	1	some	some	PRON
ajeer-4146	149	2	of	of	ADP
ajeer-4146	149	3	the	the	DET
ajeer-4146	149	4	possible	possible	ADJ
ajeer-4146	149	5	tests	test	NOUN
ajeer-4146	149	6	are	be	AUX
ajeer-4146	149	7	the	the	DET
ajeer-4146	149	8	standardized	standardized	ADJ
ajeer-4146	149	9	bias	bias	NOUN
ajeer-4146	149	10	test	test	NOUN
ajeer-4146	149	11	and	and	CCONJ
ajeer-4146	149	12	the	the	DET
ajeer-4146	149	13	t	t	NOUN
ajeer-4146	149	14	-	-	PUNCT
ajeer-4146	149	15	test	test	NOUN
ajeer-4146	149	16	,	,	PUNCT
ajeer-4146	149	17	suggested	suggest	VERB
ajeer-4146	149	18	by	by	ADP
ajeer-4146	149	19	rosenbaum	rosenbaum	PROPN
ajeer-4146	149	20	and	and	CCONJ
ajeer-4146	149	21	rubin	rubin	PROPN
ajeer-4146	149	22	(	(	PUNCT
ajeer-4146	149	23	1983	1983	NUM
ajeer-4146	149	24	)	)	PUNCT
ajeer-4146	149	25	,	,	PUNCT
ajeer-4146	149	26	and	and	CCONJ
ajeer-4146	149	27	the	the	DET
ajeer-4146	149	28	stratification	stratification	NOUN
ajeer-4146	149	29	test	test	NOUN
ajeer-4146	149	30	by	by	ADP
ajeer-4146	149	31	dehejia	dehejia	NOUN
ajeer-4146	149	32	and	and	CCONJ
ajeer-4146	149	33	wahba	wahba	ADJ
ajeer-4146	149	34	(	(	PUNCT
ajeer-4146	149	35	2002	2002	NUM
ajeer-4146	149	36	)	)	PUNCT
ajeer-4146	149	37	.	.	PUNCT
ajeer-4146	150	1	(	(	PUNCT
ajeer-4146	150	2	5	5	X
ajeer-4146	150	3	)	)	PUNCT
ajeer-4146	150	4	conduct	conduct	NOUN
ajeer-4146	150	5	sensitivity	sensitivity	NOUN
ajeer-4146	150	6	analysis	analysis	NOUN
ajeer-4146	150	7	tests	test	NOUN
ajeer-4146	150	8	to	to	PART
ajeer-4146	150	9	determine	determine	VERB
ajeer-4146	150	10	whether	whether	SCONJ
ajeer-4146	150	11	the	the	DET
ajeer-4146	150	12	estimated	estimate	VERB
ajeer-4146	150	13	average	average	ADJ
ajeer-4146	150	14	treatment	treatment	NOUN
ajeer-4146	150	15	effect	effect	NOUN
ajeer-4146	150	16	(	(	PUNCT
ajeer-4146	150	17	att	att	PROPN
ajeer-4146	150	18	)	)	PUNCT
ajeer-4146	150	19	on	on	ADP
ajeer-4146	150	20	the	the	DET
ajeer-4146	150	21	treated	treat	VERB
ajeer-4146	150	22	variable	variable	NOUN
ajeer-4146	150	23	is	be	AUX
ajeer-4146	150	24	robust	robust	ADJ
ajeer-4146	150	25	.	.	PUNCT
ajeer-4146	151	1	the	the	DET
ajeer-4146	151	2	estimation	estimation	NOUN
ajeer-4146	151	3	procedure	procedure	NOUN
ajeer-4146	151	4	for	for	ADP
ajeer-4146	151	5	psm	psm	NOUN
ajeer-4146	151	6	can	can	AUX
ajeer-4146	151	7	be	be	AUX
ajeer-4146	151	8	summarized	summarize	VERB
ajeer-4146	151	9	following	follow	VERB
ajeer-4146	151	10	becker	becker	NOUN
ajeer-4146	151	11	and	and	CCONJ
ajeer-4146	151	12	ichino	ichino	ADJ
ajeer-4146	151	13	(	(	PUNCT
ajeer-4146	151	14	2002	2002	NUM
ajeer-4146	151	15	)	)	PUNCT
ajeer-4146	151	16	and	and	CCONJ
ajeer-4146	151	17	imai	imai	PROPN
ajeer-4146	151	18	and	and	CCONJ
ajeer-4146	151	19	arun	arun	PROPN
ajeer-4146	151	20	(	(	PUNCT
ajeer-4146	151	21	2008	2008	NUM
ajeer-4146	151	22	)	)	PUNCT
ajeer-4146	151	23	.	.	PUNCT
ajeer-4146	152	1	equation	equation	NOUN
ajeer-4146	152	2	7	7	NUM
ajeer-4146	152	3	gives	give	VERB
ajeer-4146	152	4	the	the	DET
ajeer-4146	152	5	propensity	propensity	NOUN
ajeer-4146	152	6	score	score	NOUN
ajeer-4146	152	7	,	,	PUNCT
ajeer-4146	152	8	which	which	PRON
ajeer-4146	152	9	is	be	AUX
ajeer-4146	152	10	the	the	DET
ajeer-4146	152	11	conditional	conditional	ADJ
ajeer-4146	152	12	probability	probability	NOUN
ajeer-4146	152	13	of	of	ADP
ajeer-4146	152	14	been	be	AUX
ajeer-4146	152	15	financially	financially	ADV
ajeer-4146	152	16	excluded	exclude	VERB
ajeer-4146	152	17	given	give	VERB
ajeer-4146	152	18	the	the	DET
ajeer-4146	152	19	individual	individual	NOUN
ajeer-4146	152	20	’s	’s	PART
ajeer-4146	152	21	covariate	covariate	PROPN
ajeer-4146	152	22	w	w	PROPN
ajeer-4146	152	23	,	,	PUNCT
ajeer-4146	152	24	which	which	PRON
ajeer-4146	152	25	is	be	AUX
ajeer-4146	152	26	a	a	DET
ajeer-4146	152	27	multidimensional	multidimensional	ADJ
ajeer-4146	152	28	vector	vector	NOUN
ajeer-4146	152	29	of	of	ADP
ajeer-4146	152	30	individual	individual	ADJ
ajeer-4146	152	31	characteristics	characteristic	NOUN
ajeer-4146	152	32	defined	define	VERB
ajeer-4146	152	33	in	in	ADP
ajeer-4146	152	34	x	x	NOUN
ajeer-4146	152	35	,	,	PUNCT
ajeer-4146	152	36	and	and	CCONJ
ajeer-4146	152	37	variables	variable	NOUN
ajeer-4146	152	38	related	relate	VERB
ajeer-4146	152	39	to	to	ADP
ajeer-4146	152	40	financial	financial	ADJ
ajeer-4146	152	41	exclusion	exclusion	NOUN
ajeer-4146	152	42	summarized	summarize	VERB
ajeer-4146	152	43	in	in	ADP
ajeer-4146	152	44	z.	z.	PROPN
ajeer-4146	152	45	p(w	p(w	PROPN
ajeer-4146	152	46	)	)	PUNCT
ajeer-4146	153	1	=	=	PUNCT
ajeer-4146	153	2	pr(fe	pr(fe	NOUN
ajeer-4146	153	3	=	=	SYM
ajeer-4146	153	4	1|w	1|w	NUM
ajeer-4146	153	5	)	)	PUNCT
ajeer-4146	153	6	=	=	PUNCT
ajeer-4146	153	7	e(d|w	e(d|w	NUM
ajeer-4146	153	8	)	)	PUNCT
ajeer-4146	153	9	(	(	PUNCT
ajeer-4146	153	10	7	7	NUM
ajeer-4146	153	11	)	)	PUNCT
ajeer-4146	153	12	according	accord	VERB
ajeer-4146	153	13	to	to	ADP
ajeer-4146	153	14	rosenbaum	rosenbaum	PROPN
ajeer-4146	153	15	and	and	CCONJ
ajeer-4146	153	16	rubin	rubin	PROPN
ajeer-4146	153	17	(	(	PUNCT
ajeer-4146	153	18	1983	1983	NUM
ajeer-4146	153	19	)	)	PUNCT
ajeer-4146	153	20	,	,	PUNCT
ajeer-4146	153	21	if	if	SCONJ
ajeer-4146	153	22	the	the	DET
ajeer-4146	153	23	exposure	exposure	NOUN
ajeer-4146	153	24	to	to	ADP
ajeer-4146	153	25	treatment	treatment	NOUN
ajeer-4146	153	26	is	be	AUX
ajeer-4146	153	27	random	random	ADJ
ajeer-4146	153	28	within	within	ADP
ajeer-4146	153	29	cells	cell	NOUN
ajeer-4146	153	30	defined	define	VERB
ajeer-4146	153	31	by	by	ADP
ajeer-4146	153	32	w	w	PROPN
ajeer-4146	153	33	,	,	PUNCT
ajeer-4146	153	34	it	it	PRON
ajeer-4146	153	35	is	be	AUX
ajeer-4146	153	36	also	also	ADV
ajeer-4146	153	37	random	random	ADJ
ajeer-4146	153	38	within	within	ADP
ajeer-4146	153	39	cells	cell	NOUN
ajeer-4146	153	40	defined	define	VERB
ajeer-4146	153	41	by	by	ADP
ajeer-4146	153	42	the	the	DET
ajeer-4146	153	43	values	value	NOUN
ajeer-4146	153	44	of	of	ADP
ajeer-4146	153	45	the	the	DET
ajeer-4146	153	46	mono	mono	NOUN
ajeer-4146	153	47	-	-	PUNCT
ajeer-4146	153	48	dimensional	dimensional	ADJ
ajeer-4146	153	49	variable	variable	ADJ
ajeer-4146	153	50	p(w	p(w	NOUN
ajeer-4146	153	51	)	)	PUNCT
ajeer-4146	153	52	.	.	PUNCT
ajeer-4146	154	1	equation	equation	NOUN
ajeer-4146	154	2	8	8	NUM
ajeer-4146	154	3	below	below	ADP
ajeer-4146	154	4	estimates	estimate	VERB
ajeer-4146	154	5	the	the	DET
ajeer-4146	154	6	average	average	ADJ
ajeer-4146	154	7	effect	effect	NOUN
ajeer-4146	154	8	of	of	ADP
ajeer-4146	154	9	treatment	treatment	NOUN
ajeer-4146	154	10	on	on	ADP
ajeer-4146	154	11	the	the	DET
ajeer-4146	154	12	treated	treat	VERB
ajeer-4146	154	13	(	(	PUNCT
ajeer-4146	154	14	att	att	PROPN
ajeer-4146	154	15	)	)	PUNCT
ajeer-4146	154	16	if	if	SCONJ
ajeer-4146	154	17	the	the	DET
ajeer-4146	154	18	propensity	propensity	NOUN
ajeer-4146	154	19	score	score	VERB
ajeer-4146	154	20	p(wi	p(wi	ADV
ajeer-4146	154	21	)	)	PUNCT
ajeer-4146	154	22	is	be	AUX
ajeer-4146	154	23	known	know	VERB
ajeer-4146	154	24	given	give	VERB
ajeer-4146	154	25	a	a	DET
ajeer-4146	154	26	population	population	NOUN
ajeer-4146	154	27	of	of	ADP
ajeer-4146	154	28	units	unit	NOUN
ajeer-4146	154	29	denoted	denote	VERB
ajeer-4146	154	30	by	by	ADP
ajeer-4146	154	31	i	i	PRON
ajeer-4146	154	32	:	:	PUNCT
ajeer-4146	154	33	τ	τ	PROPN
ajeer-4146	154	34	≡	≡	PROPN
ajeer-4146	154	35	e(pov1it	e(pov1it	NOUN
ajeer-4146	154	36	−pov0it|feit	−pov0it|feit	NOUN
ajeer-4146	155	1	=	=	SYM
ajeer-4146	156	1	1	1	X
ajeer-4146	156	2	)	)	PUNCT
ajeer-4146	156	3	=	=	VERB
ajeer-4146	156	4	e(e(pov1it	e(e(pov1it	NOUN
ajeer-4146	156	5	−p0i|feit	−p0i|feit	NOUN
ajeer-4146	156	6	=	=	NOUN
ajeer-4146	156	7	1	1	NUM
ajeer-4146	156	8	,	,	PUNCT
ajeer-4146	156	9	p(wi	p(wi	ADJ
ajeer-4146	156	10	)	)	PUNCT
ajeer-4146	156	11	)	)	PUNCT
ajeer-4146	156	12	)	)	PUNCT
ajeer-4146	157	1	(	(	PUNCT
ajeer-4146	157	2	8)	8)	NUM
ajeer-4146	157	3	τ	τ	X
ajeer-4146	157	4	=	=	SYM
ajeer-4146	157	5	e(pov1it|feit	e(pov1it|feit	PROPN
ajeer-4146	157	6	=	=	SYM
ajeer-4146	157	7	1	1	NUM
ajeer-4146	157	8	,	,	PUNCT
ajeer-4146	157	9	p(wi))−e(pov0it|feit	p(wi))−e(pov0it|feit	PROPN
ajeer-4146	157	10	=	=	SYM
ajeer-4146	157	11	0	0	NUM
ajeer-4146	157	12	,	,	PUNCT
ajeer-4146	157	13	p(wi))|feit	p(wi))|feit	NOUN
ajeer-4146	157	14	=	=	NOUN
ajeer-4146	157	15	1	1	NUM
ajeer-4146	157	16	)	)	PUNCT
ajeer-4146	157	17	where	where	SCONJ
ajeer-4146	157	18	i	i	PRON
ajeer-4146	157	19	denotes	denote	VERB
ajeer-4146	157	20	the	the	DET
ajeer-4146	157	21	ith	ith	PROPN
ajeer-4146	157	22	household	household	NOUN
ajeer-4146	157	23	;	;	PUNCT
ajeer-4146	157	24	t	t	PROPN
ajeer-4146	157	25	=	=	SYM
ajeer-4146	157	26	2017	2017	NUM
ajeer-4146	157	27	,	,	PUNCT
ajeer-4146	157	28	2014	2014	NUM
ajeer-4146	157	29	,	,	PUNCT
ajeer-4146	157	30	2011	2011	NUM
ajeer-4146	157	31	(	(	PUNCT
ajeer-4146	157	32	the	the	DET
ajeer-4146	157	33	round	round	NOUN
ajeer-4146	157	34	of	of	ADP
ajeer-4146	157	35	the	the	DET
ajeer-4146	157	36	data	datum	NOUN
ajeer-4146	157	37	)	)	PUNCT
ajeer-4146	157	38	;	;	PUNCT
ajeer-4146	157	39	and	and	CCONJ
ajeer-4146	157	40	povi	povi	NOUN
ajeer-4146	157	41	is	be	AUX
ajeer-4146	157	42	the	the	DET
ajeer-4146	157	43	potential	potential	ADJ
ajeer-4146	157	44	outcome	outcome	NOUN
ajeer-4146	157	45	(	(	PUNCT
ajeer-4146	157	46	poverty	poverty	NOUN
ajeer-4146	157	47	likelihood	likelihood	NOUN
ajeer-4146	157	48	measure	measure	NOUN
ajeer-4146	157	49	)	)	PUNCT
ajeer-4146	157	50	in	in	ADP
ajeer-4146	157	51	the	the	DET
ajeer-4146	157	52	two	two	NUM
ajeer-4146	157	53	counterfactual	counterfactual	ADJ
ajeer-4146	157	54	situations	situation	NOUN
ajeer-4146	157	55	of	of	ADP
ajeer-4146	157	56	being	be	AUX
ajeer-4146	157	57	financially	financially	ADV
ajeer-4146	157	58	excluded	exclude	VERB
ajeer-4146	157	59	or	or	CCONJ
ajeer-4146	157	60	financially	financially	ADV
ajeer-4146	157	61	included	include	VERB
ajeer-4146	157	62	.	.	PUNCT
ajeer-4146	158	1	the	the	DET
ajeer-4146	158	2	two	two	NUM
ajeer-4146	158	3	hypotheses	hypothesis	NOUN
ajeer-4146	158	4	needed	need	VERB
ajeer-4146	158	5	to	to	PART
ajeer-4146	158	6	derive	derive	VERB
ajeer-4146	158	7	(	(	PUNCT
ajeer-4146	158	8	7	7	NUM
ajeer-4146	158	9	)	)	PUNCT
ajeer-4146	158	10	given	give	VERB
ajeer-4146	158	11	(	(	PUNCT
ajeer-4146	158	12	8)	8)	NUM
ajeer-4146	158	13	are	be	AUX
ajeer-4146	158	14	:	:	PUNCT
ajeer-4146	158	15	(	(	PUNCT
ajeer-4146	158	16	a	a	X
ajeer-4146	158	17	)	)	PUNCT
ajeer-4146	158	18	balancing	balance	VERB
ajeer-4146	158	19	hypothesis	hypothesis	NOUN
ajeer-4146	158	20	(	(	PUNCT
ajeer-4146	158	21	balancing	balancing	NOUN
ajeer-4146	158	22	of	of	ADP
ajeer-4146	158	23	pre	pre	ADJ
ajeer-4146	158	24	-	-	ADJ
ajeer-4146	158	25	treatment	treatment	ADJ
ajeer-4146	158	26	variables	variable	NOUN
ajeer-4146	158	27	(	(	PUNCT
ajeer-4146	158	28	covariate	covariate	ADJ
ajeer-4146	158	29	variables	variable	NOUN
ajeer-4146	158	30	)	)	PUNCT
ajeer-4146	158	31	given	give	VERB
ajeer-4146	158	32	the	the	DET
ajeer-4146	158	33	propensity	propensity	NOUN
ajeer-4146	158	34	score	score	NOUN
ajeer-4146	158	35	)	)	PUNCT
ajeer-4146	158	36	.	.	PUNCT
ajeer-4146	159	1	if	if	SCONJ
ajeer-4146	159	2	p(w	p(w	NOUN
ajeer-4146	159	3	)	)	PUNCT
ajeer-4146	159	4	is	be	AUX
ajeer-4146	159	5	the	the	DET
ajeer-4146	159	6	propensity	propensity	NOUN
ajeer-4146	159	7	score	score	NOUN
ajeer-4146	159	8	,	,	PUNCT
ajeer-4146	159	9	then	then	ADV
ajeer-4146	159	10	fe	fe	X
ajeer-4146	159	11	⊥	⊥	PROPN
ajeer-4146	159	12	w	w	PROPN
ajeer-4146	159	13	|	|	ADV
ajeer-4146	159	14	p(w	p(w	NOUN
ajeer-4146	159	15	)	)	PUNCT
ajeer-4146	159	16	.	.	PUNCT
ajeer-4146	160	1	this	this	PRON
ajeer-4146	160	2	implies	imply	VERB
ajeer-4146	160	3	that	that	SCONJ
ajeer-4146	160	4	,	,	PUNCT
ajeer-4146	160	5	for	for	ADP
ajeer-4146	160	6	a	a	DET
ajeer-4146	160	7	specific	specific	ADJ
ajeer-4146	160	8	propensity	propensity	NOUN
ajeer-4146	160	9	score	score	NOUN
ajeer-4146	160	10	,	,	PUNCT
ajeer-4146	160	11	the	the	DET
ajeer-4146	160	12	financial	financial	ADJ
ajeer-4146	160	13	exclusion	exclusion	NOUN
ajeer-4146	160	14	program	program	NOUN
ajeer-4146	160	15	is	be	AUX
ajeer-4146	160	16	randomly	randomly	ADV
ajeer-4146	160	17	distributed	distribute	VERB
ajeer-4146	160	18	,	,	PUNCT
ajeer-4146	160	19	thus	thus	ADV
ajeer-4146	160	20	,	,	PUNCT
ajeer-4146	160	21	on	on	ADP
ajeer-4146	160	22	average	average	ADJ
ajeer-4146	160	23	,	,	PUNCT
ajeer-4146	160	24	households	household	NOUN
ajeer-4146	160	25	with	with	ADP
ajeer-4146	160	26	access	access	NOUN
ajeer-4146	160	27	to	to	ADP
ajeer-4146	160	28	programs	program	NOUN
ajeer-4146	160	29	and	and	CCONJ
ajeer-4146	160	30	those	those	PRON
ajeer-4146	160	31	without	without	ADP
ajeer-4146	160	32	are	be	AUX
ajeer-4146	160	33	observationally	observationally	ADV
ajeer-4146	160	34	identical	identical	ADJ
ajeer-4146	160	35	.	.	PUNCT
ajeer-4146	161	1	otherwise	otherwise	ADV
ajeer-4146	161	2	,	,	PUNCT
ajeer-4146	161	3	one	one	PRON
ajeer-4146	161	4	can	can	AUX
ajeer-4146	161	5	not	not	PART
ajeer-4146	161	6	statistically	statistically	ADV
ajeer-4146	161	7	match	match	VERB
ajeer-4146	161	8	households	household	NOUN
ajeer-4146	161	9	of	of	ADP
ajeer-4146	161	10	different	different	ADJ
ajeer-4146	161	11	categories	category	NOUN
ajeer-4146	161	12	.	.	PUNCT
ajeer-4146	162	1	(	(	PUNCT
ajeer-4146	162	2	b	b	X
ajeer-4146	162	3	)	)	PUNCT
ajeer-4146	162	4	unconfoundedness	unconfoundedness	NOUN
ajeer-4146	162	5	given	give	VERB
ajeer-4146	162	6	the	the	DET
ajeer-4146	162	7	propensity	propensity	NOUN
ajeer-4146	162	8	score	score	NOUN
ajeer-4146	162	9	.	.	PUNCT
ajeer-4146	163	1	if	if	SCONJ
ajeer-4146	163	2	assignment	assignment	NOUN
ajeer-4146	163	3	to	to	ADP
ajeer-4146	163	4	treatment	treatment	NOUN
ajeer-4146	163	5	is	be	AUX
ajeer-4146	163	6	unconfounded	unconfounde	VERB
ajeer-4146	163	7	,	,	PUNCT
ajeer-4146	163	8	i.e.	i.e.	X
ajeer-4146	163	9	,	,	PUNCT
ajeer-4146	163	10	pov1	pov1	NOUN
ajeer-4146	163	11	,	,	PUNCT
ajeer-4146	163	12	pov0	pov0	PROPN
ajeer-4146	163	13	⊥	⊥	PROPN
ajeer-4146	163	14	fe	fe	X
ajeer-4146	164	1	|	|	ADV
ajeer-4146	164	2	w	w	PROPN
ajeer-4146	164	3	,	,	PUNCT
ajeer-4146	164	4	then	then	ADV
ajeer-4146	164	5	assignment	assignment	NOUN
ajeer-4146	164	6	to	to	ADP
ajeer-4146	164	7	treatment	treatment	NOUN
ajeer-4146	164	8	is	be	AUX
ajeer-4146	164	9	unconfounded	unconfounde	VERB
ajeer-4146	164	10	given	give	VERB
ajeer-4146	164	11	the	the	DET
ajeer-4146	164	12	propensity	propensity	NOUN
ajeer-4146	164	13	score	score	NOUN
ajeer-4146	164	14	,	,	PUNCT
ajeer-4146	164	15	i.e.	i.e.	X
ajeer-4146	164	16	,	,	PUNCT
ajeer-4146	164	17	pov1	pov1	NOUN
ajeer-4146	164	18	,	,	PUNCT
ajeer-4146	164	19	pov0	pov0	PROPN
ajeer-4146	164	20	⊥	⊥	PROPN
ajeer-4146	164	21	fe	fe	NOUN
ajeer-4146	164	22	|	|	ADV
ajeer-4146	164	23	p(w	p(w	PROPN
ajeer-4146	164	24	)	)	PUNCT
ajeer-4146	164	25	.	.	PUNCT
ajeer-4146	165	1	asian	asian	ADJ
ajeer-4146	165	2	journal	journal	PROPN
ajeer-4146	165	3	of	of	ADP
ajeer-4146	165	4	economics	economic	NOUN
ajeer-4146	165	5	and	and	CCONJ
ajeer-4146	165	6	empirical	empirical	ADJ
ajeer-4146	165	7	research	research	NOUN
ajeer-4146	165	8	,	,	PUNCT
ajeer-4146	165	9	2022	2022	NUM
ajeer-4146	165	10	,	,	PUNCT
ajeer-4146	165	11	9(2	9(2	NUM
ajeer-4146	165	12	):	):	PUNCT
ajeer-4146	165	13	121	121	NUM
ajeer-4146	165	14	-	-	SYM
ajeer-4146	165	15	131	131	NUM
ajeer-4146	165	16	126	126	NUM
ajeer-4146	165	17	©	©	PROPN
ajeer-4146	165	18	2022	2022	NUM
ajeer-4146	165	19	by	by	ADP
ajeer-4146	165	20	the	the	DET
ajeer-4146	165	21	authors	author	NOUN
ajeer-4146	165	22	;	;	PUNCT
ajeer-4146	165	23	licensee	licensee	PROPN
ajeer-4146	165	24	asian	asian	ADJ
ajeer-4146	165	25	online	online	PROPN
ajeer-4146	165	26	journal	journal	PROPN
ajeer-4146	165	27	publishing	publishing	NOUN
ajeer-4146	165	28	group	group	PROPN
ajeer-4146	165	29	3	3	NUM
ajeer-4146	165	30	.	.	NOUN
ajeer-4146	165	31	results	result	NOUN
ajeer-4146	165	32	and	and	CCONJ
ajeer-4146	165	33	discussions	discussion	NOUN
ajeer-4146	165	34	3.1	3.1	NUM
ajeer-4146	165	35	.	.	PUNCT
ajeer-4146	166	1	descriptive	descriptive	ADJ
ajeer-4146	166	2	statistics	statistics	PROPN
ajeer-4146	166	3	table	table	NOUN
ajeer-4146	166	4	3	3	NUM
ajeer-4146	166	5	shows	show	VERB
ajeer-4146	166	6	the	the	DET
ajeer-4146	166	7	summary	summary	NOUN
ajeer-4146	166	8	statistics	statistic	NOUN
ajeer-4146	166	9	of	of	ADP
ajeer-4146	166	10	the	the	DET
ajeer-4146	166	11	2011	2011	NUM
ajeer-4146	166	12	,	,	PUNCT
ajeer-4146	166	13	2014	2014	NUM
ajeer-4146	166	14	,	,	PUNCT
ajeer-4146	166	15	and	and	CCONJ
ajeer-4146	166	16	2017	2017	NUM
ajeer-4146	166	17	rounds	round	NOUN
ajeer-4146	166	18	of	of	ADP
ajeer-4146	166	19	the	the	DET
ajeer-4146	166	20	survey	survey	NOUN
ajeer-4146	166	21	.	.	PUNCT
ajeer-4146	167	1	between	between	ADP
ajeer-4146	167	2	2011	2011	NUM
ajeer-4146	167	3	and	and	CCONJ
ajeer-4146	167	4	2017	2017	NUM
ajeer-4146	167	5	,	,	PUNCT
ajeer-4146	167	6	the	the	DET
ajeer-4146	167	7	education	education	NOUN
ajeer-4146	167	8	level	level	NOUN
ajeer-4146	167	9	has	have	AUX
ajeer-4146	167	10	improved	improve	VERB
ajeer-4146	167	11	.	.	PUNCT
ajeer-4146	168	1	this	this	DET
ajeer-4146	168	2	improvement	improvement	NOUN
ajeer-4146	168	3	included	include	VERB
ajeer-4146	168	4	a	a	DET
ajeer-4146	168	5	free	free	ADJ
ajeer-4146	168	6	primary	primary	ADJ
ajeer-4146	168	7	schooling	schooling	NOUN
ajeer-4146	168	8	policy	policy	NOUN
ajeer-4146	168	9	in	in	ADP
ajeer-4146	168	10	2006	2006	NUM
ajeer-4146	168	11	and	and	CCONJ
ajeer-4146	168	12	subsequently	subsequently	ADV
ajeer-4146	168	13	,	,	PUNCT
ajeer-4146	168	14	free	free	ADJ
ajeer-4146	168	15	tuition	tuition	NOUN
ajeer-4146	168	16	for	for	ADP
ajeer-4146	168	17	girls	girl	NOUN
ajeer-4146	168	18	in	in	ADP
ajeer-4146	168	19	the	the	DET
ajeer-4146	168	20	sixth	sixth	ADJ
ajeer-4146	168	21	grade	grade	NOUN
ajeer-4146	168	22	in	in	ADP
ajeer-4146	168	23	2010	2010	NUM
ajeer-4146	168	24	,	,	PUNCT
ajeer-4146	168	25	which	which	PRON
ajeer-4146	168	26	has	have	AUX
ajeer-4146	168	27	been	be	AUX
ajeer-4146	168	28	generalized	generalize	VERB
ajeer-4146	168	29	for	for	ADP
ajeer-4146	168	30	girls	girl	NOUN
ajeer-4146	168	31	until	until	ADP
ajeer-4146	168	32	the	the	DET
ajeer-4146	168	33	third	third	ADJ
ajeer-4146	168	34	grade	grade	NOUN
ajeer-4146	168	35	.	.	PUNCT
ajeer-4146	169	1	as	as	SCONJ
ajeer-4146	169	2	shown	show	VERB
ajeer-4146	169	3	by	by	ADP
ajeer-4146	169	4	the	the	DET
ajeer-4146	169	5	workforce	workforce	NOUN
ajeer-4146	169	6	variable	variable	NOUN
ajeer-4146	169	7	in	in	ADP
ajeer-4146	169	8	2017	2017	NUM
ajeer-4146	169	9	,	,	PUNCT
ajeer-4146	169	10	27.5	27.5	NUM
ajeer-4146	169	11	%	%	NOUN
ajeer-4146	169	12	of	of	ADP
ajeer-4146	169	13	the	the	DET
ajeer-4146	169	14	beninese	beninese	NOUN
ajeer-4146	169	15	are	be	AUX
ajeer-4146	169	16	out	out	ADP
ajeer-4146	169	17	of	of	ADP
ajeer-4146	169	18	the	the	DET
ajeer-4146	169	19	job	job	NOUN
ajeer-4146	169	20	market	market	NOUN
ajeer-4146	169	21	and	and	CCONJ
ajeer-4146	169	22	62.5	62.5	NUM
ajeer-4146	169	23	%	%	NOUN
ajeer-4146	169	24	are	be	AUX
ajeer-4146	169	25	in	in	ADP
ajeer-4146	169	26	the	the	DET
ajeer-4146	169	27	job	job	NOUN
ajeer-4146	169	28	market	market	NOUN
ajeer-4146	169	29	.	.	PUNCT
ajeer-4146	170	1	interviewed	interview	VERB
ajeer-4146	170	2	individuals	individual	NOUN
ajeer-4146	170	3	in	in	ADP
ajeer-4146	170	4	the	the	DET
ajeer-4146	170	5	sample	sample	NOUN
ajeer-4146	170	6	fell	fall	VERB
ajeer-4146	170	7	within	within	ADP
ajeer-4146	170	8	the	the	DET
ajeer-4146	170	9	young	young	ADJ
ajeer-4146	170	10	age	age	NOUN
ajeer-4146	170	11	group	group	NOUN
ajeer-4146	170	12	(	(	PUNCT
ajeer-4146	170	13	with	with	ADP
ajeer-4146	170	14	an	an	DET
ajeer-4146	170	15	average	average	ADJ
ajeer-4146	170	16	age	age	NOUN
ajeer-4146	170	17	of	of	ADP
ajeer-4146	170	18	33	33	NUM
ajeer-4146	170	19	)	)	PUNCT
ajeer-4146	170	20	.	.	PUNCT
ajeer-4146	171	1	the	the	DET
ajeer-4146	171	2	main	main	ADJ
ajeer-4146	171	3	reasons	reason	NOUN
ajeer-4146	171	4	why	why	SCONJ
ajeer-4146	171	5	beninese	beninese	ADJ
ajeer-4146	171	6	people	people	NOUN
ajeer-4146	171	7	do	do	AUX
ajeer-4146	171	8	not	not	PART
ajeer-4146	171	9	have	have	VERB
ajeer-4146	171	10	a	a	DET
ajeer-4146	171	11	financial	financial	ADJ
ajeer-4146	171	12	account	account	NOUN
ajeer-4146	171	13	at	at	ADP
ajeer-4146	171	14	a	a	DET
ajeer-4146	171	15	formal	formal	ADJ
ajeer-4146	171	16	financial	financial	ADJ
ajeer-4146	171	17	institution	institution	NOUN
ajeer-4146	171	18	vary	vary	VERB
ajeer-4146	171	19	from	from	ADP
ajeer-4146	171	20	one	one	NUM
ajeer-4146	171	21	individual	individual	NOUN
ajeer-4146	171	22	to	to	ADP
ajeer-4146	171	23	another	another	PRON
ajeer-4146	171	24	.	.	PUNCT
ajeer-4146	172	1	the	the	DET
ajeer-4146	172	2	number	number	NOUN
ajeer-4146	172	3	of	of	ADP
ajeer-4146	172	4	people	people	NOUN
ajeer-4146	172	5	reporting	report	VERB
ajeer-4146	172	6	those	those	DET
ajeer-4146	172	7	reasons	reason	NOUN
ajeer-4146	172	8	has	have	AUX
ajeer-4146	172	9	increased	increase	VERB
ajeer-4146	172	10	over	over	ADP
ajeer-4146	172	11	time	time	NOUN
ajeer-4146	172	12	.	.	PUNCT
ajeer-4146	173	1	apart	apart	ADV
ajeer-4146	173	2	from	from	ADP
ajeer-4146	173	3	the	the	DET
ajeer-4146	173	4	usual	usual	ADJ
ajeer-4146	173	5	reasons	reason	NOUN
ajeer-4146	173	6	(	(	PUNCT
ajeer-4146	173	7	lack	lack	NOUN
ajeer-4146	173	8	of	of	ADP
ajeer-4146	173	9	documentation	documentation	NOUN
ajeer-4146	173	10	,	,	PUNCT
ajeer-4146	173	11	financial	financial	ADJ
ajeer-4146	173	12	services	service	NOUN
ajeer-4146	173	13	being	be	AUX
ajeer-4146	173	14	too	too	ADV
ajeer-4146	173	15	expensive	expensive	ADJ
ajeer-4146	173	16	,	,	PUNCT
ajeer-4146	173	17	and	and	CCONJ
ajeer-4146	173	18	distance	distance	NOUN
ajeer-4146	173	19	to	to	ADP
ajeer-4146	173	20	financial	financial	ADJ
ajeer-4146	173	21	institutions	institution	NOUN
ajeer-4146	173	22	)	)	PUNCT
ajeer-4146	173	23	,	,	PUNCT
ajeer-4146	173	24	religion	religion	NOUN
ajeer-4146	173	25	is	be	AUX
ajeer-4146	173	26	increasingly	increasingly	ADV
ajeer-4146	173	27	mentioned	mention	VERB
ajeer-4146	173	28	as	as	ADP
ajeer-4146	173	29	a	a	DET
ajeer-4146	173	30	factor	factor	NOUN
ajeer-4146	173	31	of	of	ADP
ajeer-4146	173	32	financial	financial	ADJ
ajeer-4146	173	33	exclusion	exclusion	NOUN
ajeer-4146	173	34	.	.	PUNCT
ajeer-4146	174	1	it	it	PRON
ajeer-4146	174	2	is	be	AUX
ajeer-4146	174	3	important	important	ADJ
ajeer-4146	174	4	to	to	PART
ajeer-4146	174	5	note	note	VERB
ajeer-4146	174	6	that	that	SCONJ
ajeer-4146	174	7	in	in	ADP
ajeer-4146	174	8	recent	recent	ADJ
ajeer-4146	174	9	years	year	NOUN
ajeer-4146	174	10	many	many	ADJ
ajeer-4146	174	11	churches	church	NOUN
ajeer-4146	174	12	and	and	CCONJ
ajeer-4146	174	13	congregations	congregation	NOUN
ajeer-4146	174	14	have	have	AUX
ajeer-4146	174	15	been	be	AUX
ajeer-4146	174	16	created	create	VERB
ajeer-4146	174	17	in	in	ADP
ajeer-4146	174	18	benin	benin	PROPN
ajeer-4146	174	19	.	.	PUNCT
ajeer-4146	175	1	table	table	NOUN
ajeer-4146	175	2	3	3	NUM
ajeer-4146	175	3	.	.	PUNCT
ajeer-4146	175	4	descriptive	descriptive	ADJ
ajeer-4146	175	5	statistics	statistic	NOUN
ajeer-4146	175	6	of	of	ADP
ajeer-4146	175	7	the	the	DET
ajeer-4146	175	8	variables	variable	NOUN
ajeer-4146	175	9	used	use	VERB
ajeer-4146	175	10	in	in	ADP
ajeer-4146	175	11	the	the	DET
ajeer-4146	175	12	estimation	estimation	NOUN
ajeer-4146	175	13	.	.	PUNCT
ajeer-4146	176	1	variables	variable	NOUN
ajeer-4146	176	2	definition	definition	NOUN
ajeer-4146	176	3	2011	2011	NUM
ajeer-4146	176	4	2014	2014	NUM
ajeer-4146	176	5	2017	2017	NUM
ajeer-4146	176	6	obs	obs	PROPN
ajeer-4146	176	7	.	.	PUNCT
ajeer-4146	177	1	%	%	INTJ
ajeer-4146	177	2	mean	mean	PROPN
ajeer-4146	178	1	obs	obs	PROPN
ajeer-4146	178	2	.	.	PUNCT
ajeer-4146	179	1	%	%	INTJ
ajeer-4146	179	2	mean	mean	PROPN
ajeer-4146	180	1	obs	obs	PROPN
ajeer-4146	180	2	.	.	PUNCT
ajeer-4146	181	1	%	%	INTJ
ajeer-4146	181	2	mean	mean	NOUN
ajeer-4146	181	3	education	education	NOUN
ajeer-4146	181	4	=	=	NOUN
ajeer-4146	181	5	1	1	NUM
ajeer-4146	181	6	if	if	SCONJ
ajeer-4146	181	7	secondary	secondary	ADJ
ajeer-4146	181	8	school	school	NOUN
ajeer-4146	181	9	and	and	CCONJ
ajeer-4146	181	10	0	0	NUM
ajeer-4146	181	11	otherwise	otherwise	ADV
ajeer-4146	181	12	1000	1000	NUM
ajeer-4146	181	13	0.329	0.329	NUM
ajeer-4146	181	14	1000	1000	NUM
ajeer-4146	181	15	0.255	0.255	NUM
ajeer-4146	181	16	1000	1000	NUM
ajeer-4146	181	17	0.398	0.398	NUM
ajeer-4146	181	18	=	=	SYM
ajeer-4146	181	19	1	1	NUM
ajeer-4146	181	20	if	if	SCONJ
ajeer-4146	181	21	tertiary	tertiary	ADJ
ajeer-4146	181	22	level	level	NOUN
ajeer-4146	181	23	and	and	CCONJ
ajeer-4146	181	24	0	0	NUM
ajeer-4146	181	25	otherwise	otherwise	ADV
ajeer-4146	181	26	1000	1000	NUM
ajeer-4146	181	27	0.013	0.013	NUM
ajeer-4146	181	28	1000	1000	NUM
ajeer-4146	181	29	0.005	0.005	NUM
ajeer-4146	181	30	1000	1000	NUM
ajeer-4146	181	31	0.056	0.056	NUM
ajeer-4146	181	32	gender	gender	NOUN
ajeer-4146	181	33	=	=	NOUN
ajeer-4146	181	34	1	1	NUM
ajeer-4146	181	35	if	if	SCONJ
ajeer-4146	181	36	female	female	ADJ
ajeer-4146	181	37	and	and	CCONJ
ajeer-4146	181	38	0	0	NUM
ajeer-4146	181	39	if	if	SCONJ
ajeer-4146	181	40	male	male	ADJ
ajeer-4146	181	41	1000	1000	NUM
ajeer-4146	181	42	0.498	0.498	NUM
ajeer-4146	181	43	1000	1000	NUM
ajeer-4146	181	44	0.49	0.49	NUM
ajeer-4146	181	45	1000	1000	NUM
ajeer-4146	181	46	0.456	0.456	NUM
ajeer-4146	181	47	age	age	NOUN
ajeer-4146	181	48	individual	individual	NOUN
ajeer-4146	181	49	’s	’s	PART
ajeer-4146	181	50	age	age	NOUN
ajeer-4146	181	51	in	in	ADP
ajeer-4146	181	52	years	year	NOUN
ajeer-4146	181	53	1000	1000	NUM
ajeer-4146	181	54	33.57	33.57	NUM
ajeer-4146	181	55	1000	1000	NUM
ajeer-4146	181	56	33.03	33.03	NUM
ajeer-4146	181	57	990	990	NUM
ajeer-4146	181	58	31.73	31.73	NUM
ajeer-4146	181	59	workforce	workforce	NOUN
ajeer-4146	181	60	status	status	NOUN
ajeer-4146	181	61	=	=	NOUN
ajeer-4146	181	62	1	1	NUM
ajeer-4146	181	63	if	if	SCONJ
ajeer-4146	181	64	the	the	DET
ajeer-4146	181	65	individual	individual	NOUN
ajeer-4146	181	66	is	be	AUX
ajeer-4146	181	67	out	out	ADP
ajeer-4146	181	68	of	of	ADP
ajeer-4146	181	69	workforce	workforce	NOUN
ajeer-4146	181	70	and	and	CCONJ
ajeer-4146	181	71	0	0	NUM
ajeer-4146	181	72	otherwise	otherwise	ADV
ajeer-4146	181	73	1000	1000	NUM
ajeer-4146	181	74	0.275	0.275	NUM
ajeer-4146	181	75	far	far	ADV
ajeer-4146	181	76	away	away	ADV
ajeer-4146	181	77	=	=	SYM
ajeer-4146	181	78	1	1	NUM
ajeer-4146	181	79	if	if	SCONJ
ajeer-4146	181	80	financial	financial	ADJ
ajeer-4146	181	81	institutions	institution	NOUN
ajeer-4146	181	82	are	be	AUX
ajeer-4146	181	83	far	far	ADV
ajeer-4146	181	84	away	away	ADV
ajeer-4146	181	85	and	and	CCONJ
ajeer-4146	181	86	0	0	NUM
ajeer-4146	181	87	otherwise	otherwise	ADV
ajeer-4146	182	1	1000	1000	NUM
ajeer-4146	182	2	0.193	0.193	NUM
ajeer-4146	182	3	1000	1000	NUM
ajeer-4146	182	4	0.174	0.174	NUM
ajeer-4146	182	5	1000	1000	NUM
ajeer-4146	182	6	0.222	0.222	NUM
ajeer-4146	182	7	expensive	expensive	ADJ
ajeer-4146	182	8	services	service	NOUN
ajeer-4146	182	9	=	=	SYM
ajeer-4146	182	10	1	1	NUM
ajeer-4146	182	11	if	if	SCONJ
ajeer-4146	182	12	financial	financial	ADJ
ajeer-4146	182	13	services	service	NOUN
ajeer-4146	182	14	are	be	AUX
ajeer-4146	182	15	too	too	ADV
ajeer-4146	182	16	expensive	expensive	ADJ
ajeer-4146	182	17	and	and	CCONJ
ajeer-4146	182	18	0	0	NUM
ajeer-4146	182	19	otherwise	otherwise	ADV
ajeer-4146	182	20	1000	1000	NUM
ajeer-4146	182	21	0.153	0.153	NUM
ajeer-4146	182	22	1000	1000	NUM
ajeer-4146	182	23	0.206	0.206	NUM
ajeer-4146	182	24	1000	1000	NUM
ajeer-4146	182	25	0.221	0.221	NUM
ajeer-4146	182	26	lack	lack	NOUN
ajeer-4146	182	27	of	of	ADP
ajeer-4146	182	28	documents	document	NOUN
ajeer-4146	182	29	=	=	SYM
ajeer-4146	182	30	1	1	NUM
ajeer-4146	182	31	if	if	SCONJ
ajeer-4146	182	32	the	the	DET
ajeer-4146	182	33	individual	individual	NOUN
ajeer-4146	182	34	does	do	AUX
ajeer-4146	182	35	not	not	PART
ajeer-4146	182	36	have	have	VERB
ajeer-4146	182	37	the	the	DET
ajeer-4146	182	38	necessary	necessary	ADJ
ajeer-4146	182	39	documentation	documentation	NOUN
ajeer-4146	182	40	and	and	CCONJ
ajeer-4146	182	41	0	0	NUM
ajeer-4146	182	42	otherwise	otherwise	ADV
ajeer-4146	182	43	1000	1000	NUM
ajeer-4146	183	1	0.215	0.215	NUM
ajeer-4146	183	2	1000	1000	NUM
ajeer-4146	183	3	0.305	0.305	NUM
ajeer-4146	183	4	1000	1000	NUM
ajeer-4146	183	5	0.284	0.284	NUM
ajeer-4146	183	6	lack	lack	NOUN
ajeer-4146	183	7	of	of	ADP
ajeer-4146	183	8	trust	trust	NOUN
ajeer-4146	183	9	=	=	PUNCT
ajeer-4146	183	10	1	1	NUM
ajeer-4146	183	11	if	if	SCONJ
ajeer-4146	183	12	the	the	DET
ajeer-4146	183	13	individual	individual	NOUN
ajeer-4146	183	14	does	do	AUX
ajeer-4146	183	15	not	not	PART
ajeer-4146	183	16	trust	trust	VERB
ajeer-4146	183	17	financial	financial	ADJ
ajeer-4146	183	18	institutions	institution	NOUN
ajeer-4146	183	19	and	and	CCONJ
ajeer-4146	183	20	0	0	NUM
ajeer-4146	183	21	otherwise	otherwise	ADV
ajeer-4146	183	22	1000	1000	NUM
ajeer-4146	183	23	0.062	0.062	NUM
ajeer-4146	183	24	1000	1000	NUM
ajeer-4146	183	25	0.204	0.204	NUM
ajeer-4146	183	26	1000	1000	NUM
ajeer-4146	183	27	0.137	0.137	NUM
ajeer-4146	183	28	religious	religious	ADJ
ajeer-4146	183	29	reasons	reason	NOUN
ajeer-4146	183	30	=	=	SYM
ajeer-4146	183	31	1	1	NUM
ajeer-4146	183	32	because	because	SCONJ
ajeer-4146	183	33	of	of	ADP
ajeer-4146	183	34	religious	religious	ADJ
ajeer-4146	183	35	reasons	reason	NOUN
ajeer-4146	183	36	and	and	CCONJ
ajeer-4146	183	37	0	0	NUM
ajeer-4146	183	38	otherwise	otherwise	ADV
ajeer-4146	183	39	1000	1000	NUM
ajeer-4146	183	40	0.023	0.023	NUM
ajeer-4146	183	41	1000	1000	NUM
ajeer-4146	183	42	0.012	0.012	NUM
ajeer-4146	183	43	1000	1000	NUM
ajeer-4146	183	44	0.055	0.055	NUM
ajeer-4146	183	45	financial	financial	ADJ
ajeer-4146	183	46	exclusion	exclusion	NOUN
ajeer-4146	183	47	=	=	NOUN
ajeer-4146	183	48	1	1	NUM
ajeer-4146	183	49	if	if	SCONJ
ajeer-4146	183	50	the	the	DET
ajeer-4146	183	51	individual	individual	NOUN
ajeer-4146	183	52	is	be	AUX
ajeer-4146	183	53	financially	financially	ADV
ajeer-4146	183	54	excluded	exclude	VERB
ajeer-4146	183	55	and	and	CCONJ
ajeer-4146	183	56	0	0	NUM
ajeer-4146	183	57	otherwise	otherwise	ADV
ajeer-4146	183	58	1000	1000	NUM
ajeer-4146	183	59	0.460	0.460	NUM
ajeer-4146	183	60	1000	1000	NUM
ajeer-4146	183	61	0.846	0.846	NUM
ajeer-4146	183	62	1000	1000	NUM
ajeer-4146	183	63	0.438	0.438	NUM
ajeer-4146	183	64	income	income	NOUN
ajeer-4146	183	65	quintile	quintile	NOUN
ajeer-4146	183	66	=	=	NOUN
ajeer-4146	183	67	1	1	NUM
ajeer-4146	183	68	if	if	SCONJ
ajeer-4146	183	69	included	include	VERB
ajeer-4146	183	70	in	in	ADP
ajeer-4146	183	71	the	the	DET
ajeer-4146	183	72	20	20	NUM
ajeer-4146	183	73	%	%	NOUN
ajeer-4146	183	74	poorest	poor	ADJ
ajeer-4146	183	75	and	and	CCONJ
ajeer-4146	183	76	0	0	NUM
ajeer-4146	183	77	otherwise	otherwise	ADV
ajeer-4146	183	78	1000	1000	NUM
ajeer-4146	183	79	0.131	0.131	NUM
ajeer-4146	183	80	1000	1000	NUM
ajeer-4146	183	81	0.158	0.158	NUM
ajeer-4146	183	82	1000	1000	NUM
ajeer-4146	183	83	0.154	0.154	NUM
ajeer-4146	183	84	=	=	SYM
ajeer-4146	183	85	1	1	NUM
ajeer-4146	183	86	if	if	SCONJ
ajeer-4146	183	87	included	include	VERB
ajeer-4146	183	88	in	in	ADP
ajeer-4146	183	89	the	the	DET
ajeer-4146	183	90	20	20	NUM
ajeer-4146	183	91	%	%	NOUN
ajeer-4146	183	92	second	second	ADJ
ajeer-4146	183	93	and	and	CCONJ
ajeer-4146	183	94	0	0	NUM
ajeer-4146	183	95	otherwise	otherwise	ADV
ajeer-4146	183	96	1000	1000	NUM
ajeer-4146	183	97	0.165	0.165	NUM
ajeer-4146	183	98	1000	1000	NUM
ajeer-4146	183	99	0.168	0.168	NUM
ajeer-4146	183	100	1000	1000	NUM
ajeer-4146	183	101	0.174	0.174	NUM
ajeer-4146	183	102	=	=	SYM
ajeer-4146	183	103	1	1	NUM
ajeer-4146	183	104	if	if	SCONJ
ajeer-4146	183	105	included	include	VERB
ajeer-4146	183	106	in	in	ADP
ajeer-4146	183	107	the	the	DET
ajeer-4146	183	108	20	20	NUM
ajeer-4146	183	109	%	%	NOUN
ajeer-4146	183	110	middle	middle	NOUN
ajeer-4146	183	111	and	and	CCONJ
ajeer-4146	183	112	0	0	NUM
ajeer-4146	183	113	otherwise	otherwise	ADV
ajeer-4146	183	114	1000	1000	NUM
ajeer-4146	183	115	0.180	0.180	NUM
ajeer-4146	183	116	1000	1000	NUM
ajeer-4146	183	117	0.171	0.171	NUM
ajeer-4146	183	118	1000	1000	NUM
ajeer-4146	183	119	0.193	0.193	NUM
ajeer-4146	183	120	=	=	SYM
ajeer-4146	183	121	1	1	NUM
ajeer-4146	183	122	if	if	SCONJ
ajeer-4146	183	123	included	include	VERB
ajeer-4146	183	124	in	in	ADP
ajeer-4146	183	125	the	the	DET
ajeer-4146	183	126	20	20	NUM
ajeer-4146	183	127	%	%	NOUN
ajeer-4146	183	128	fourth	fourth	ADJ
ajeer-4146	183	129	and	and	CCONJ
ajeer-4146	183	130	0	0	NUM
ajeer-4146	183	131	otherwise	otherwise	ADV
ajeer-4146	184	1	1000	1000	NUM
ajeer-4146	184	2	0.220	0.220	NUM
ajeer-4146	184	3	1000	1000	NUM
ajeer-4146	184	4	0.208	0.208	NUM
ajeer-4146	184	5	1000	1000	NUM
ajeer-4146	184	6	0.205	0.205	NUM
ajeer-4146	184	7	=	=	SYM
ajeer-4146	184	8	1	1	NUM
ajeer-4146	184	9	if	if	SCONJ
ajeer-4146	184	10	included	include	VERB
ajeer-4146	184	11	in	in	ADP
ajeer-4146	184	12	the	the	DET
ajeer-4146	184	13	20	20	NUM
ajeer-4146	184	14	%	%	NOUN
ajeer-4146	184	15	richest	rich	ADJ
ajeer-4146	184	16	and	and	CCONJ
ajeer-4146	184	17	0	0	NUM
ajeer-4146	184	18	otherwise	otherwise	ADV
ajeer-4146	184	19	1000	1000	NUM
ajeer-4146	184	20	0.304	0.304	NUM
ajeer-4146	184	21	1000	1000	NUM
ajeer-4146	184	22	0.295	0.295	NUM
ajeer-4146	184	23	1000	1000	NUM
ajeer-4146	184	24	0.274	0.274	NUM
ajeer-4146	184	25	table	table	NOUN
ajeer-4146	184	26	4	4	NUM
ajeer-4146	184	27	.	.	PUNCT
ajeer-4146	184	28	determinants	determinant	NOUN
ajeer-4146	184	29	of	of	ADP
ajeer-4146	184	30	financial	financial	ADJ
ajeer-4146	184	31	exclusion	exclusion	NOUN
ajeer-4146	184	32	.	.	PUNCT
ajeer-4146	185	1	variables	variable	NOUN
ajeer-4146	185	2	2011	2011	NUM
ajeer-4146	185	3	2014	2014	NUM
ajeer-4146	185	4	2017	2017	NUM
ajeer-4146	185	5	financial	financial	ADJ
ajeer-4146	185	6	institutions	institution	NOUN
ajeer-4146	185	7	are	be	AUX
ajeer-4146	185	8	far	far	ADV
ajeer-4146	185	9	away	away	ADV
ajeer-4146	186	1	1.314∗∗∗	1.314∗∗∗	NUM
ajeer-4146	186	2	(	(	PUNCT
ajeer-4146	186	3	0.456	0.456	NUM
ajeer-4146	186	4	)	)	PUNCT
ajeer-4146	186	5	0.475∗∗∗	0.475∗∗∗	PROPN
ajeer-4146	186	6	(	(	PUNCT
ajeer-4146	186	7	0.116	0.116	NUM
ajeer-4146	186	8	)	)	PUNCT
ajeer-4146	186	9	0.381∗∗∗	0.381∗∗∗	NUM
ajeer-4146	186	10	(	(	PUNCT
ajeer-4146	186	11	0.134	0.134	NUM
ajeer-4146	186	12	)	)	PUNCT
ajeer-4146	186	13	financial	financial	ADJ
ajeer-4146	186	14	services	service	NOUN
ajeer-4146	186	15	are	be	AUX
ajeer-4146	186	16	too	too	ADV
ajeer-4146	186	17	expensive	expensive	ADJ
ajeer-4146	186	18	1.459∗∗∗	1.459∗∗∗	NUM
ajeer-4146	186	19	(	(	PUNCT
ajeer-4146	186	20	0.432	0.432	NUM
ajeer-4146	186	21	)	)	PUNCT
ajeer-4146	186	22	0.185	0.185	NUM
ajeer-4146	186	23	(	(	PUNCT
ajeer-4146	186	24	0.128	0.128	NUM
ajeer-4146	186	25	)	)	PUNCT
ajeer-4146	186	26	0.299∗∗	0.299∗∗	NOUN
ajeer-4146	186	27	(	(	PUNCT
ajeer-4146	186	28	0.127	0.127	NUM
ajeer-4146	186	29	)	)	PUNCT
ajeer-4146	186	30	do	do	AUX
ajeer-4146	186	31	n’t	not	PART
ajeer-4146	186	32	have	have	VERB
ajeer-4146	186	33	the	the	DET
ajeer-4146	186	34	necessary	necessary	ADJ
ajeer-4146	186	35	documentation	documentation	NOUN
ajeer-4146	186	36	1.016∗∗∗	1.016∗∗∗	NUM
ajeer-4146	186	37	(	(	PUNCT
ajeer-4146	186	38	0.258	0.258	NUM
ajeer-4146	186	39	)	)	PUNCT
ajeer-4146	186	40	0.489∗∗∗	0.489∗∗∗	NUM
ajeer-4146	186	41	(	(	PUNCT
ajeer-4146	186	42	0.109	0.109	NUM
ajeer-4146	186	43	)	)	PUNCT
ajeer-4146	186	44	0.400∗∗∗	0.400∗∗∗	NUM
ajeer-4146	186	45	(	(	PUNCT
ajeer-4146	186	46	0.110	0.110	NUM
ajeer-4146	186	47	)	)	PUNCT
ajeer-4146	186	48	do	do	AUX
ajeer-4146	186	49	n’t	not	PART
ajeer-4146	186	50	trust	trust	VERB
ajeer-4146	186	51	financial	financial	ADJ
ajeer-4146	186	52	institutions	institution	NOUN
ajeer-4146	186	53	1.532∗∗∗	1.532∗∗∗	NUM
ajeer-4146	186	54	(	(	PUNCT
ajeer-4146	186	55	0.396	0.396	NUM
ajeer-4146	186	56	)	)	PUNCT
ajeer-4146	186	57	0.086	0.086	NUM
ajeer-4146	186	58	(	(	PUNCT
ajeer-4146	186	59	0.179	0.179	NUM
ajeer-4146	186	60	)	)	PUNCT
ajeer-4146	186	61	-0.022	-0.022	NOUN
ajeer-4146	186	62	(	(	PUNCT
ajeer-4146	186	63	0.138	0.138	NUM
ajeer-4146	186	64	)	)	PUNCT
ajeer-4146	186	65	because	because	SCONJ
ajeer-4146	186	66	of	of	ADP
ajeer-4146	186	67	religious	religious	ADJ
ajeer-4146	186	68	reasons	reason	NOUN
ajeer-4146	186	69	na	na	INTJ
ajeer-4146	186	70	na	na	INTJ
ajeer-4146	186	71	-0.899∗∗∗	-0.899∗∗∗	PRON
ajeer-4146	186	72	(	(	PUNCT
ajeer-4146	186	73	0.324	0.324	NUM
ajeer-4146	186	74	)	)	PUNCT
ajeer-4146	186	75	0.065	0.065	NUM
ajeer-4146	186	76	(	(	PUNCT
ajeer-4146	186	77	0.207	0.207	NUM
ajeer-4146	186	78	)	)	PUNCT
ajeer-4146	186	79	female	female	ADJ
ajeer-4146	186	80	-0.067	-0.067	NOUN
ajeer-4146	186	81	(	(	PUNCT
ajeer-4146	186	82	0.120	0.120	NUM
ajeer-4146	186	83	)	)	PUNCT
ajeer-4146	186	84	0.133	0.133	NUM
ajeer-4146	186	85	(	(	PUNCT
ajeer-4146	186	86	0.086	0.086	NUM
ajeer-4146	186	87	)	)	PUNCT
ajeer-4146	186	88	0.243∗∗∗	0.243∗∗∗	PROPN
ajeer-4146	186	89	(	(	PUNCT
ajeer-4146	186	90	0.088	0.088	NUM
ajeer-4146	186	91	)	)	PUNCT
ajeer-4146	186	92	age	age	NOUN
ajeer-4146	186	93	of	of	ADP
ajeer-4146	186	94	individual	individual	ADJ
ajeer-4146	186	95	-0.155∗∗∗	-0.155∗∗∗	PROPN
ajeer-4146	186	96	(	(	PUNCT
ajeer-4146	186	97	0.025	0.025	NUM
ajeer-4146	186	98	)	)	PUNCT
ajeer-4146	187	1	-0.069∗∗∗	-0.069∗∗∗	PROPN
ajeer-4146	187	2	(	(	PUNCT
ajeer-4146	187	3	0.013	0.013	NUM
ajeer-4146	187	4	)	)	PUNCT
ajeer-4146	187	5	-0.045∗∗∗	-0.045∗∗∗	PROPN
ajeer-4146	187	6	(	(	PUNCT
ajeer-4146	187	7	0.014	0.014	NUM
ajeer-4146	187	8	)	)	PUNCT
ajeer-4146	187	9	age_squared	age_square	VERB
ajeer-4146	188	1	0.002∗∗∗	0.002∗∗∗	X
ajeer-4146	188	2	(	(	PUNCT
ajeer-4146	188	3	0.000	0.000	NUM
ajeer-4146	188	4	)	)	PUNCT
ajeer-4146	188	5	0.001∗∗∗	0.001∗∗∗	NOUN
ajeer-4146	188	6	(	(	PUNCT
ajeer-4146	188	7	0.000	0.000	NUM
ajeer-4146	188	8	)	)	PUNCT
ajeer-4146	188	9	0.000∗∗∗	0.000∗∗∗	PROPN
ajeer-4146	188	10	(	(	PUNCT
ajeer-4146	188	11	0.000	0.000	NUM
ajeer-4146	188	12	)	)	PUNCT
ajeer-4146	188	13	primary	primary	ADJ
ajeer-4146	188	14	school	school	NOUN
ajeer-4146	188	15	level	level	NOUN
ajeer-4146	188	16	1.238∗	1.238∗	NUM
ajeer-4146	188	17	(	(	PUNCT
ajeer-4146	188	18	0.694	0.694	NUM
ajeer-4146	188	19	)	)	PUNCT
ajeer-4146	188	20	1.034∗∗	1.034∗∗	NUM
ajeer-4146	188	21	(	(	PUNCT
ajeer-4146	188	22	0.522	0.522	NUM
ajeer-4146	188	23	)	)	PUNCT
ajeer-4146	188	24	na	na	ADP
ajeer-4146	188	25	secondary	secondary	ADJ
ajeer-4146	188	26	school	school	NOUN
ajeer-4146	188	27	level	level	NOUN
ajeer-4146	188	28	0.206	0.206	NUM
ajeer-4146	188	29	(	(	PUNCT
ajeer-4146	188	30	0.688	0.688	NUM
ajeer-4146	188	31	)	)	PUNCT
ajeer-4146	188	32	0.706	0.706	NUM
ajeer-4146	188	33	(	(	PUNCT
ajeer-4146	188	34	0.521	0.521	NUM
ajeer-4146	188	35	)	)	PUNCT
ajeer-4146	188	36	-0.373∗∗∗	-0.373∗∗∗	PROPN
ajeer-4146	188	37	(	(	PUNCT
ajeer-4146	188	38	0.094	0.094	NOUN
ajeer-4146	188	39	)	)	PUNCT
ajeer-4146	188	40	completed	complete	VERB
ajeer-4146	188	41	tertiary	tertiary	ADJ
ajeer-4146	188	42	or	or	CCONJ
ajeer-4146	188	43	more	more	ADJ
ajeer-4146	188	44	na	na	PART
ajeer-4146	188	45	na	na	NOUN
ajeer-4146	188	46	-1.082∗∗∗	-1.082∗∗∗	PROPN
ajeer-4146	188	47	(	(	PUNCT
ajeer-4146	188	48	0.237	0.237	NUM
ajeer-4146	188	49	)	)	PUNCT
ajeer-4146	188	50	out	out	ADP
ajeer-4146	188	51	of	of	ADP
ajeer-4146	188	52	workforce	workforce	NOUN
ajeer-4146	188	53	na	na	NOUN
ajeer-4146	188	54	na	na	VERB
ajeer-4146	188	55	0.546∗∗∗	0.546∗∗∗	PROPN
ajeer-4146	188	56	(	(	PUNCT
ajeer-4146	188	57	0.100	0.100	NUM
ajeer-4146	188	58	)	)	PUNCT
ajeer-4146	188	59	constant	constant	ADJ
ajeer-4146	188	60	2.973∗∗∗	2.973∗∗∗	NUM
ajeer-4146	188	61	(	(	PUNCT
ajeer-4146	188	62	0.819	0.819	NUM
ajeer-4146	188	63	)	)	PUNCT
ajeer-4146	188	64	-0.003	-0.003	NOUN
ajeer-4146	188	65	(	(	PUNCT
ajeer-4146	188	66	0.573	0.573	NUM
ajeer-4146	188	67	)	)	PUNCT
ajeer-4146	188	68	0.385	0.385	NUM
ajeer-4146	188	69	(	(	PUNCT
ajeer-4146	188	70	0.267	0.267	NUM
ajeer-4146	188	71	)	)	PUNCT
ajeer-4146	188	72	observations	observation	NOUN
ajeer-4146	188	73	1,000	1,000	NUM
ajeer-4146	188	74	1,000	1,000	NUM
ajeer-4146	188	75	990	990	NUM
ajeer-4146	188	76	note	note	NOUN
ajeer-4146	188	77	:	:	PUNCT
ajeer-4146	188	78	∗∗∗	∗∗∗	ADV
ajeer-4146	188	79	,	,	PUNCT
ajeer-4146	188	80	∗∗	∗∗	PROPN
ajeer-4146	188	81	and	and	CCONJ
ajeer-4146	188	82	∗	∗	NOUN
ajeer-4146	188	83	signify	signify	VERB
ajeer-4146	188	84	significance	significance	NOUN
ajeer-4146	188	85	at	at	ADP
ajeer-4146	188	86	the	the	DET
ajeer-4146	188	87	1	1	NUM
ajeer-4146	188	88	%	%	NOUN
ajeer-4146	188	89	,	,	PUNCT
ajeer-4146	188	90	5	5	NUM
ajeer-4146	188	91	%	%	NOUN
ajeer-4146	188	92	and	and	CCONJ
ajeer-4146	188	93	10	10	NUM
ajeer-4146	188	94	%	%	NOUN
ajeer-4146	188	95	levels	level	NOUN
ajeer-4146	188	96	,	,	PUNCT
ajeer-4146	188	97	respectively	respectively	ADV
ajeer-4146	188	98	.	.	PUNCT
ajeer-4146	189	1	standard	standard	ADJ
ajeer-4146	189	2	errors	error	NOUN
ajeer-4146	189	3	are	be	AUX
ajeer-4146	189	4	in	in	ADP
ajeer-4146	189	5	parentheses	parenthesis	NOUN
ajeer-4146	189	6	.	.	PUNCT
ajeer-4146	190	1	asian	asian	ADJ
ajeer-4146	190	2	journal	journal	PROPN
ajeer-4146	190	3	of	of	ADP
ajeer-4146	190	4	economics	economic	NOUN
ajeer-4146	190	5	and	and	CCONJ
ajeer-4146	190	6	empirical	empirical	ADJ
ajeer-4146	190	7	research	research	NOUN
ajeer-4146	190	8	,	,	PUNCT
ajeer-4146	190	9	2022	2022	NUM
ajeer-4146	190	10	,	,	PUNCT
ajeer-4146	190	11	9(2	9(2	NUM
ajeer-4146	190	12	):	):	PUNCT
ajeer-4146	190	13	121	121	NUM
ajeer-4146	190	14	-	-	SYM
ajeer-4146	190	15	131	131	NUM
ajeer-4146	190	16	127	127	NUM
ajeer-4146	190	17	©	©	ADP
ajeer-4146	190	18	2022	2022	NUM
ajeer-4146	190	19	by	by	ADP
ajeer-4146	190	20	the	the	DET
ajeer-4146	190	21	authors	author	NOUN
ajeer-4146	190	22	;	;	PUNCT
ajeer-4146	190	23	licensee	licensee	PROPN
ajeer-4146	190	24	asian	asian	ADJ
ajeer-4146	190	25	online	online	PROPN
ajeer-4146	190	26	journal	journal	PROPN
ajeer-4146	190	27	publishing	publishing	NOUN
ajeer-4146	190	28	group	group	NOUN
ajeer-4146	190	29	however	however	ADV
ajeer-4146	190	30	,	,	PUNCT
ajeer-4146	190	31	is	be	AUX
ajeer-4146	190	32	the	the	DET
ajeer-4146	190	33	proliferation	proliferation	NOUN
ajeer-4146	190	34	of	of	ADP
ajeer-4146	190	35	evangelical	evangelical	ADJ
ajeer-4146	190	36	churches	church	NOUN
ajeer-4146	190	37	one	one	NUM
ajeer-4146	190	38	of	of	ADP
ajeer-4146	190	39	the	the	DET
ajeer-4146	190	40	reasons	reason	NOUN
ajeer-4146	190	41	for	for	ADP
ajeer-4146	190	42	this	this	DET
ajeer-4146	190	43	financial	financial	ADJ
ajeer-4146	190	44	exclusion	exclusion	NOUN
ajeer-4146	190	45	?	?	PUNCT
ajeer-4146	191	1	the	the	DET
ajeer-4146	191	2	number	number	NOUN
ajeer-4146	191	3	of	of	ADP
ajeer-4146	191	4	people	people	NOUN
ajeer-4146	191	5	who	who	PRON
ajeer-4146	191	6	reported	report	VERB
ajeer-4146	191	7	a	a	DET
ajeer-4146	191	8	lack	lack	NOUN
ajeer-4146	191	9	of	of	ADP
ajeer-4146	191	10	trust	trust	NOUN
ajeer-4146	191	11	in	in	ADP
ajeer-4146	191	12	financial	financial	ADJ
ajeer-4146	191	13	institutions	institution	NOUN
ajeer-4146	191	14	in	in	ADP
ajeer-4146	191	15	2014	2014	NUM
ajeer-4146	191	16	is	be	AUX
ajeer-4146	191	17	more	more	ADJ
ajeer-4146	191	18	than	than	ADP
ajeer-4146	191	19	three	three	NUM
ajeer-4146	191	20	times	time	NOUN
ajeer-4146	191	21	the	the	DET
ajeer-4146	191	22	number	number	NOUN
ajeer-4146	191	23	reported	report	VERB
ajeer-4146	191	24	in	in	ADP
ajeer-4146	191	25	2011	2011	NUM
ajeer-4146	191	26	and	and	CCONJ
ajeer-4146	191	27	in	in	ADP
ajeer-4146	191	28	2017	2017	NUM
ajeer-4146	191	29	;	;	PUNCT
ajeer-4146	191	30	the	the	DET
ajeer-4146	191	31	number	number	NOUN
ajeer-4146	191	32	reported	report	VERB
ajeer-4146	191	33	in	in	ADP
ajeer-4146	191	34	2011	2011	NUM
ajeer-4146	191	35	has	have	AUX
ajeer-4146	191	36	doubled	double	VERB
ajeer-4146	191	37	.	.	PUNCT
ajeer-4146	192	1	the	the	DET
ajeer-4146	192	2	political	political	ADJ
ajeer-4146	192	3	and	and	CCONJ
ajeer-4146	192	4	economic	economic	ADJ
ajeer-4146	192	5	scandal	scandal	NOUN
ajeer-4146	192	6	that	that	PRON
ajeer-4146	192	7	took	take	VERB
ajeer-4146	192	8	place	place	NOUN
ajeer-4146	192	9	in	in	ADP
ajeer-4146	192	10	benin	benin	PROPN
ajeer-4146	192	11	in	in	ADP
ajeer-4146	192	12	2000	2000	NUM
ajeer-4146	192	13	and	and	CCONJ
ajeer-4146	192	14	2010	2010	NUM
ajeer-4146	192	15	,	,	PUNCT
ajeer-4146	192	16	referred	refer	VERB
ajeer-4146	192	17	to	to	ADP
ajeer-4146	192	18	as	as	ADP
ajeer-4146	192	19	benin	benin	PROPN
ajeer-4146	192	20	’s	’s	PART
ajeer-4146	192	21	madoff	madoff	PROPN
ajeer-4146	192	22	scandal	scandal	NOUN
ajeer-4146	192	23	,	,	PUNCT
ajeer-4146	192	24	could	could	AUX
ajeer-4146	192	25	explain	explain	VERB
ajeer-4146	192	26	these	these	DET
ajeer-4146	192	27	results	result	NOUN
ajeer-4146	192	28	.	.	PUNCT
ajeer-4146	193	1	it	it	PRON
ajeer-4146	193	2	was	be	AUX
ajeer-4146	193	3	based	base	VERB
ajeer-4146	193	4	on	on	ADP
ajeer-4146	193	5	a	a	DET
ajeer-4146	193	6	ponzi	ponzi	NOUN
ajeer-4146	193	7	scheme	scheme	NOUN
ajeer-4146	193	8	that	that	PRON
ajeer-4146	193	9	consisted	consist	VERB
ajeer-4146	193	10	of	of	ADP
ajeer-4146	193	11	remunerating	remunerate	VERB
ajeer-4146	193	12	the	the	DET
ajeer-4146	193	13	first	first	ADJ
ajeer-4146	193	14	investors	investor	NOUN
ajeer-4146	193	15	with	with	ADP
ajeer-4146	193	16	the	the	DET
ajeer-4146	193	17	deposits	deposit	NOUN
ajeer-4146	193	18	of	of	ADP
ajeer-4146	193	19	new	new	ADJ
ajeer-4146	193	20	clients	client	NOUN
ajeer-4146	193	21	,	,	PUNCT
ajeer-4146	193	22	at	at	ADP
ajeer-4146	193	23	very	very	ADV
ajeer-4146	193	24	high	high	ADJ
ajeer-4146	193	25	-	-	PUNCT
ajeer-4146	193	26	interest	interest	NOUN
ajeer-4146	193	27	rates	rate	NOUN
ajeer-4146	193	28	,	,	PUNCT
ajeer-4146	193	29	before	before	SCONJ
ajeer-4146	193	30	the	the	DET
ajeer-4146	193	31	system	system	NOUN
ajeer-4146	193	32	collapsed	collapse	VERB
ajeer-4146	193	33	in	in	ADP
ajeer-4146	193	34	2010	2010	NUM
ajeer-4146	193	35	.	.	PUNCT
ajeer-4146	194	1	up	up	ADP
ajeer-4146	194	2	to	to	PART
ajeer-4146	194	3	300,000	300,000	NUM
ajeer-4146	194	4	people	people	NOUN
ajeer-4146	194	5	were	be	AUX
ajeer-4146	194	6	defrauded	defraud	VERB
ajeer-4146	194	7	,	,	PUNCT
ajeer-4146	194	8	with	with	ADP
ajeer-4146	194	9	an	an	DET
ajeer-4146	194	10	estimated	estimate	VERB
ajeer-4146	194	11	total	total	NOUN
ajeer-4146	194	12	of	of	ADP
ajeer-4146	194	13	more	more	ADJ
ajeer-4146	194	14	than	than	ADP
ajeer-4146	194	15	200	200	NUM
ajeer-4146	194	16	billion	billion	NUM
ajeer-4146	194	17	fcfa	fcfa	NOUN
ajeer-4146	194	18	(	(	PUNCT
ajeer-4146	194	19	franc	franc	PROPN
ajeer-4146	194	20	des	des	PROPN
ajeer-4146	194	21	colonies	colony	NOUN
ajeer-4146	194	22	françaises	française	NOUN
ajeer-4146	194	23	d'afrique	d'afrique	PROPN
ajeer-4146	194	24	)	)	PUNCT
ajeer-4146	194	25	,	,	PUNCT
ajeer-4146	194	26	which	which	PRON
ajeer-4146	194	27	roughly	roughly	ADV
ajeer-4146	194	28	coverts	covert	NOUN
ajeer-4146	194	29	to	to	ADP
ajeer-4146	194	30	us$500.0000	us$500.0000	PROPN
ajeer-4146	194	31	.	.	PUNCT
ajeer-4146	195	1	following	follow	VERB
ajeer-4146	195	2	the	the	DET
ajeer-4146	195	3	financial	financial	ADJ
ajeer-4146	195	4	exclusion	exclusion	NOUN
ajeer-4146	195	5	computation	computation	NOUN
ajeer-4146	195	6	,	,	PUNCT
ajeer-4146	195	7	in	in	ADP
ajeer-4146	195	8	2017	2017	NUM
ajeer-4146	195	9	,	,	PUNCT
ajeer-4146	195	10	43.8	43.8	NUM
ajeer-4146	195	11	%	%	NOUN
ajeer-4146	195	12	of	of	ADP
ajeer-4146	195	13	the	the	DET
ajeer-4146	195	14	sampled	sample	VERB
ajeer-4146	195	15	population	population	NOUN
ajeer-4146	195	16	in	in	ADP
ajeer-4146	195	17	benin	benin	PROPN
ajeer-4146	195	18	were	be	AUX
ajeer-4146	195	19	financially	financially	ADV
ajeer-4146	195	20	excluded	exclude	VERB
ajeer-4146	195	21	;	;	PUNCT
ajeer-4146	195	22	this	this	DET
ajeer-4146	195	23	figure	figure	NOUN
ajeer-4146	195	24	was	be	AUX
ajeer-4146	195	25	84.6	84.6	NUM
ajeer-4146	195	26	%	%	NOUN
ajeer-4146	195	27	in	in	ADP
ajeer-4146	195	28	2011	2011	NUM
ajeer-4146	195	29	.	.	PUNCT
ajeer-4146	196	1	this	this	DET
ajeer-4146	196	2	result	result	NOUN
ajeer-4146	196	3	confirms	confirm	VERB
ajeer-4146	196	4	that	that	SCONJ
ajeer-4146	196	5	access	access	NOUN
ajeer-4146	196	6	to	to	ADP
ajeer-4146	196	7	financial	financial	ADJ
ajeer-4146	196	8	services	service	NOUN
ajeer-4146	196	9	in	in	ADP
ajeer-4146	196	10	the	the	DET
ajeer-4146	196	11	country	country	NOUN
ajeer-4146	196	12	is	be	AUX
ajeer-4146	196	13	still	still	ADV
ajeer-4146	196	14	low	low	ADJ
ajeer-4146	196	15	(	(	PUNCT
ajeer-4146	196	16	fund	fund	NOUN
ajeer-4146	196	17	,	,	PUNCT
ajeer-4146	196	18	2018	2018	NUM
ajeer-4146	196	19	)	)	PUNCT
ajeer-4146	196	20	and	and	CCONJ
ajeer-4146	196	21	the	the	DET
ajeer-4146	196	22	situation	situation	NOUN
ajeer-4146	196	23	was	be	AUX
ajeer-4146	196	24	worsened	worsen	VERB
ajeer-4146	196	25	in	in	ADP
ajeer-4146	196	26	2011	2011	NUM
ajeer-4146	196	27	.	.	PUNCT
ajeer-4146	197	1	the	the	DET
ajeer-4146	197	2	income	income	NOUN
ajeer-4146	197	3	distribution	distribution	NOUN
ajeer-4146	197	4	in	in	ADP
ajeer-4146	197	5	the	the	DET
ajeer-4146	197	6	country	country	NOUN
ajeer-4146	197	7	through	through	ADP
ajeer-4146	197	8	the	the	DET
ajeer-4146	197	9	sampled	sample	VERB
ajeer-4146	197	10	population	population	NOUN
ajeer-4146	197	11	shows	show	VERB
ajeer-4146	197	12	that	that	SCONJ
ajeer-4146	197	13	income	income	NOUN
ajeer-4146	197	14	distribution	distribution	NOUN
ajeer-4146	197	15	is	be	AUX
ajeer-4146	197	16	not	not	PART
ajeer-4146	197	17	shared	share	VERB
ajeer-4146	197	18	in	in	ADP
ajeer-4146	197	19	the	the	DET
ajeer-4146	197	20	same	same	ADJ
ajeer-4146	197	21	way	way	NOUN
ajeer-4146	197	22	and	and	CCONJ
ajeer-4146	197	23	that	that	PRON
ajeer-4146	197	24	rich	rich	ADJ
ajeer-4146	197	25	people	people	NOUN
ajeer-4146	197	26	benefited	benefit	VERB
ajeer-4146	197	27	more	more	ADJ
ajeer-4146	197	28	than	than	ADP
ajeer-4146	197	29	the	the	DET
ajeer-4146	197	30	poor	poor	ADJ
ajeer-4146	197	31	between	between	ADP
ajeer-4146	197	32	2011	2011	NUM
ajeer-4146	197	33	and	and	CCONJ
ajeer-4146	197	34	2017	2017	NUM
ajeer-4146	197	35	.	.	PUNCT
ajeer-4146	198	1	3.2	3.2	NUM
ajeer-4146	198	2	.	.	PUNCT
ajeer-4146	199	1	empirical	empirical	ADJ
ajeer-4146	199	2	results	result	NOUN
ajeer-4146	199	3	table	table	VERB
ajeer-4146	199	4	4	4	NUM
ajeer-4146	199	5	presents	present	VERB
ajeer-4146	199	6	the	the	DET
ajeer-4146	199	7	results	result	NOUN
ajeer-4146	199	8	of	of	ADP
ajeer-4146	199	9	the	the	DET
ajeer-4146	199	10	first	first	ADJ
ajeer-4146	199	11	stage	stage	NOUN
ajeer-4146	199	12	of	of	ADP
ajeer-4146	199	13	the	the	DET
ajeer-4146	199	14	treatment	treatment	NOUN
ajeer-4146	199	15	effect	effect	NOUN
ajeer-4146	199	16	model	model	NOUN
ajeer-4146	199	17	to	to	PART
ajeer-4146	199	18	find	find	VERB
ajeer-4146	199	19	the	the	DET
ajeer-4146	199	20	determinants	determinant	NOUN
ajeer-4146	199	21	of	of	ADP
ajeer-4146	199	22	financial	financial	ADJ
ajeer-4146	199	23	exclusion	exclusion	NOUN
ajeer-4146	199	24	in	in	ADP
ajeer-4146	199	25	benin	benin	PROPN
ajeer-4146	199	26	.	.	PUNCT
ajeer-4146	200	1	the	the	DET
ajeer-4146	200	2	coefficient	coefficient	NOUN
ajeer-4146	200	3	for	for	ADP
ajeer-4146	200	4	the	the	DET
ajeer-4146	200	5	"	"	PUNCT
ajeer-4146	200	6	financial	financial	ADJ
ajeer-4146	200	7	institutions	institution	NOUN
ajeer-4146	200	8	are	be	AUX
ajeer-4146	200	9	far	far	ADV
ajeer-4146	200	10	away	away	ADV
ajeer-4146	200	11	"	"	PUNCT
ajeer-4146	200	12	variable	variable	NOUN
ajeer-4146	200	13	is	be	AUX
ajeer-4146	200	14	positive	positive	ADJ
ajeer-4146	200	15	and	and	CCONJ
ajeer-4146	200	16	statistically	statistically	ADV
ajeer-4146	200	17	significant	significant	ADJ
ajeer-4146	200	18	at	at	ADP
ajeer-4146	200	19	the	the	DET
ajeer-4146	200	20	1	1	NUM
ajeer-4146	200	21	%	%	NOUN
ajeer-4146	200	22	level	level	NOUN
ajeer-4146	200	23	for	for	ADP
ajeer-4146	200	24	the	the	DET
ajeer-4146	200	25	2011	2011	NUM
ajeer-4146	200	26	,	,	PUNCT
ajeer-4146	200	27	2014	2014	NUM
ajeer-4146	200	28	,	,	PUNCT
ajeer-4146	200	29	and	and	CCONJ
ajeer-4146	200	30	2017	2017	NUM
ajeer-4146	200	31	datasets	dataset	NOUN
ajeer-4146	200	32	,	,	PUNCT
ajeer-4146	200	33	showing	show	VERB
ajeer-4146	200	34	that	that	SCONJ
ajeer-4146	200	35	being	be	AUX
ajeer-4146	200	36	far	far	ADV
ajeer-4146	200	37	away	away	ADV
ajeer-4146	200	38	from	from	ADP
ajeer-4146	200	39	financial	financial	ADJ
ajeer-4146	200	40	institutions	institution	NOUN
ajeer-4146	200	41	means	mean	VERB
ajeer-4146	200	42	that	that	SCONJ
ajeer-4146	200	43	individuals	individual	NOUN
ajeer-4146	200	44	are	be	AUX
ajeer-4146	200	45	more	more	ADV
ajeer-4146	200	46	likely	likely	ADJ
ajeer-4146	200	47	to	to	PART
ajeer-4146	200	48	be	be	AUX
ajeer-4146	200	49	excluded	exclude	VERB
ajeer-4146	200	50	from	from	ADP
ajeer-4146	200	51	financial	financial	ADJ
ajeer-4146	200	52	services	service	NOUN
ajeer-4146	200	53	in	in	ADP
ajeer-4146	200	54	benin	benin	PROPN
ajeer-4146	200	55	.	.	PUNCT
ajeer-4146	201	1	what	what	PRON
ajeer-4146	201	2	can	can	AUX
ajeer-4146	201	3	justify	justify	VERB
ajeer-4146	201	4	this	this	DET
ajeer-4146	201	5	result	result	NOUN
ajeer-4146	201	6	is	be	AUX
ajeer-4146	201	7	that	that	SCONJ
ajeer-4146	201	8	when	when	SCONJ
ajeer-4146	201	9	financial	financial	ADJ
ajeer-4146	201	10	institutions	institution	NOUN
ajeer-4146	201	11	are	be	AUX
ajeer-4146	201	12	far	far	ADV
ajeer-4146	201	13	away	away	ADV
ajeer-4146	201	14	,	,	PUNCT
ajeer-4146	201	15	individuals	individual	NOUN
ajeer-4146	201	16	may	may	AUX
ajeer-4146	201	17	not	not	PART
ajeer-4146	201	18	be	be	AUX
ajeer-4146	201	19	willing	willing	ADJ
ajeer-4146	201	20	to	to	PART
ajeer-4146	201	21	travel	travel	VERB
ajeer-4146	201	22	to	to	PART
ajeer-4146	201	23	ask	ask	VERB
ajeer-4146	201	24	for	for	ADP
ajeer-4146	201	25	financial	financial	ADJ
ajeer-4146	201	26	services	service	NOUN
ajeer-4146	201	27	,	,	PUNCT
ajeer-4146	201	28	or	or	CCONJ
ajeer-4146	201	29	they	they	PRON
ajeer-4146	201	30	may	may	AUX
ajeer-4146	201	31	be	be	AUX
ajeer-4146	201	32	reluctant	reluctant	ADJ
ajeer-4146	201	33	to	to	PART
ajeer-4146	201	34	go	go	VERB
ajeer-4146	201	35	since	since	SCONJ
ajeer-4146	201	36	they	they	PRON
ajeer-4146	201	37	do	do	AUX
ajeer-4146	201	38	not	not	PART
ajeer-4146	201	39	know	know	VERB
ajeer-4146	201	40	if	if	SCONJ
ajeer-4146	201	41	they	they	PRON
ajeer-4146	201	42	will	will	AUX
ajeer-4146	201	43	be	be	AUX
ajeer-4146	201	44	eligible	eligible	ADJ
ajeer-4146	201	45	or	or	CCONJ
ajeer-4146	201	46	not	not	PART
ajeer-4146	201	47	.	.	PUNCT
ajeer-4146	202	1	the	the	DET
ajeer-4146	202	2	coefficient	coefficient	NOUN
ajeer-4146	202	3	associated	associate	VERB
ajeer-4146	202	4	with	with	ADP
ajeer-4146	202	5	the	the	DET
ajeer-4146	202	6	"	"	PUNCT
ajeer-4146	202	7	financial	financial	ADJ
ajeer-4146	202	8	services	service	NOUN
ajeer-4146	202	9	are	be	AUX
ajeer-4146	202	10	too	too	ADV
ajeer-4146	202	11	expensive	expensive	ADJ
ajeer-4146	202	12	"	"	PUNCT
ajeer-4146	202	13	variable	variable	NOUN
ajeer-4146	202	14	is	be	AUX
ajeer-4146	202	15	positive	positive	ADJ
ajeer-4146	202	16	and	and	CCONJ
ajeer-4146	202	17	statistically	statistically	ADV
ajeer-4146	202	18	significant	significant	ADJ
ajeer-4146	202	19	at	at	ADP
ajeer-4146	202	20	the	the	DET
ajeer-4146	202	21	1	1	NUM
ajeer-4146	202	22	%	%	NOUN
ajeer-4146	202	23	level	level	NOUN
ajeer-4146	202	24	for	for	ADP
ajeer-4146	202	25	the	the	DET
ajeer-4146	202	26	2011	2011	NUM
ajeer-4146	202	27	and	and	CCONJ
ajeer-4146	202	28	2017	2017	NUM
ajeer-4146	202	29	datasets	dataset	NOUN
ajeer-4146	202	30	.	.	PUNCT
ajeer-4146	203	1	this	this	PRON
ajeer-4146	203	2	means	mean	VERB
ajeer-4146	203	3	that	that	SCONJ
ajeer-4146	203	4	financial	financial	ADJ
ajeer-4146	203	5	services	service	NOUN
ajeer-4146	203	6	are	be	AUX
ajeer-4146	203	7	too	too	ADV
ajeer-4146	203	8	expensive	expensive	ADJ
ajeer-4146	203	9	,	,	PUNCT
ajeer-4146	203	10	which	which	PRON
ajeer-4146	203	11	is	be	AUX
ajeer-4146	203	12	likely	likely	ADJ
ajeer-4146	203	13	to	to	PART
ajeer-4146	203	14	prevent	prevent	VERB
ajeer-4146	203	15	individuals	individual	NOUN
ajeer-4146	203	16	from	from	ADP
ajeer-4146	203	17	visiting	visit	VERB
ajeer-4146	203	18	financial	financial	ADJ
ajeer-4146	203	19	service	service	NOUN
ajeer-4146	203	20	institutions	institution	NOUN
ajeer-4146	203	21	in	in	ADP
ajeer-4146	203	22	benin	benin	PROPN
ajeer-4146	203	23	(	(	PUNCT
ajeer-4146	203	24	2011	2011	NUM
ajeer-4146	203	25	to	to	ADP
ajeer-4146	203	26	2017	2017	NUM
ajeer-4146	203	27	)	)	PUNCT
ajeer-4146	203	28	.	.	PUNCT
ajeer-4146	204	1	in	in	ADP
ajeer-4146	204	2	theory	theory	NOUN
ajeer-4146	204	3	,	,	PUNCT
ajeer-4146	204	4	this	this	PRON
ajeer-4146	204	5	is	be	AUX
ajeer-4146	204	6	true	true	ADJ
ajeer-4146	204	7	because	because	SCONJ
ajeer-4146	204	8	when	when	SCONJ
ajeer-4146	204	9	you	you	PRON
ajeer-4146	204	10	must	must	AUX
ajeer-4146	204	11	pay	pay	VERB
ajeer-4146	204	12	high	high	ADJ
ajeer-4146	204	13	interest	interest	NOUN
ajeer-4146	204	14	on	on	ADP
ajeer-4146	204	15	a	a	DET
ajeer-4146	204	16	loan	loan	NOUN
ajeer-4146	204	17	or	or	CCONJ
ajeer-4146	204	18	pay	pay	VERB
ajeer-4146	204	19	a	a	DET
ajeer-4146	204	20	prohibitive	prohibitive	ADJ
ajeer-4146	204	21	price	price	NOUN
ajeer-4146	204	22	for	for	ADP
ajeer-4146	204	23	financial	financial	ADJ
ajeer-4146	204	24	services	service	NOUN
ajeer-4146	204	25	,	,	PUNCT
ajeer-4146	204	26	you	you	PRON
ajeer-4146	204	27	may	may	AUX
ajeer-4146	204	28	not	not	PART
ajeer-4146	204	29	be	be	AUX
ajeer-4146	204	30	willing	willing	ADJ
ajeer-4146	204	31	to	to	PART
ajeer-4146	204	32	continue	continue	VERB
ajeer-4146	204	33	using	use	VERB
ajeer-4146	204	34	the	the	DET
ajeer-4146	204	35	institution	institution	NOUN
ajeer-4146	204	36	or	or	CCONJ
ajeer-4146	204	37	even	even	ADV
ajeer-4146	204	38	use	use	VERB
ajeer-4146	204	39	financial	financial	ADJ
ajeer-4146	204	40	services	service	NOUN
ajeer-4146	204	41	in	in	ADP
ajeer-4146	204	42	the	the	DET
ajeer-4146	204	43	first	first	ADJ
ajeer-4146	204	44	place	place	NOUN
ajeer-4146	204	45	.	.	PUNCT
ajeer-4146	205	1	the	the	DET
ajeer-4146	205	2	lack	lack	NOUN
ajeer-4146	205	3	of	of	ADP
ajeer-4146	205	4	necessary	necessary	ADJ
ajeer-4146	205	5	documentation	documentation	NOUN
ajeer-4146	205	6	is	be	AUX
ajeer-4146	205	7	more	more	ADV
ajeer-4146	205	8	likely	likely	ADJ
ajeer-4146	205	9	to	to	PART
ajeer-4146	205	10	exclude	exclude	VERB
ajeer-4146	205	11	individuals	individual	NOUN
ajeer-4146	205	12	from	from	ADP
ajeer-4146	205	13	financial	financial	ADJ
ajeer-4146	205	14	services	service	NOUN
ajeer-4146	205	15	in	in	ADP
ajeer-4146	205	16	benin	benin	PROPN
ajeer-4146	205	17	since	since	SCONJ
ajeer-4146	205	18	the	the	DET
ajeer-4146	205	19	coefficient	coefficient	NOUN
ajeer-4146	205	20	associated	associate	VERB
ajeer-4146	205	21	with	with	ADP
ajeer-4146	205	22	this	this	DET
ajeer-4146	205	23	variable	variable	NOUN
ajeer-4146	205	24	is	be	AUX
ajeer-4146	205	25	positive	positive	ADJ
ajeer-4146	205	26	and	and	CCONJ
ajeer-4146	205	27	statistically	statistically	ADV
ajeer-4146	205	28	significant	significant	ADJ
ajeer-4146	205	29	at	at	ADP
ajeer-4146	205	30	the	the	DET
ajeer-4146	205	31	1	1	NUM
ajeer-4146	205	32	%	%	NOUN
ajeer-4146	205	33	level	level	NOUN
ajeer-4146	205	34	since	since	SCONJ
ajeer-4146	205	35	2011	2011	NUM
ajeer-4146	205	36	.	.	PUNCT
ajeer-4146	206	1	this	this	PRON
ajeer-4146	206	2	is	be	AUX
ajeer-4146	206	3	true	true	ADJ
ajeer-4146	206	4	because	because	SCONJ
ajeer-4146	206	5	financial	financial	ADJ
ajeer-4146	206	6	institutions	institution	NOUN
ajeer-4146	206	7	are	be	AUX
ajeer-4146	206	8	reluctant	reluctant	ADJ
ajeer-4146	206	9	to	to	PART
ajeer-4146	206	10	satisfy	satisfy	VERB
ajeer-4146	206	11	individuals	individual	NOUN
ajeer-4146	206	12	’	'	PUNCT
ajeer-4146	206	13	needs	need	NOUN
ajeer-4146	206	14	when	when	SCONJ
ajeer-4146	206	15	they	they	PRON
ajeer-4146	206	16	lack	lack	VERB
ajeer-4146	206	17	the	the	DET
ajeer-4146	206	18	necessary	necessary	ADJ
ajeer-4146	206	19	documentation	documentation	NOUN
ajeer-4146	206	20	.	.	PUNCT
ajeer-4146	207	1	in	in	ADP
ajeer-4146	207	2	benin	benin	PROPN
ajeer-4146	207	3	,	,	PUNCT
ajeer-4146	207	4	the	the	DET
ajeer-4146	207	5	situation	situation	NOUN
ajeer-4146	207	6	regarding	regard	VERB
ajeer-4146	207	7	necessary	necessary	ADJ
ajeer-4146	207	8	documentation	documentation	NOUN
ajeer-4146	207	9	is	be	AUX
ajeer-4146	207	10	critical	critical	ADJ
ajeer-4146	207	11	because	because	SCONJ
ajeer-4146	207	12	most	most	ADJ
ajeer-4146	207	13	of	of	ADP
ajeer-4146	207	14	the	the	DET
ajeer-4146	207	15	population	population	NOUN
ajeer-4146	207	16	is	be	AUX
ajeer-4146	207	17	still	still	ADV
ajeer-4146	207	18	without	without	ADP
ajeer-4146	207	19	a	a	DET
ajeer-4146	207	20	birth	birth	NOUN
ajeer-4146	207	21	certificate	certificate	NOUN
ajeer-4146	207	22	.	.	PUNCT
ajeer-4146	208	1	in	in	ADP
ajeer-4146	208	2	addition	addition	NOUN
ajeer-4146	208	3	,	,	PUNCT
ajeer-4146	208	4	it	it	PRON
ajeer-4146	208	5	is	be	AUX
ajeer-4146	208	6	very	very	ADV
ajeer-4146	208	7	difficult	difficult	ADJ
ajeer-4146	208	8	to	to	PART
ajeer-4146	208	9	present	present	VERB
ajeer-4146	208	10	a	a	DET
ajeer-4146	208	11	valid	valid	ADJ
ajeer-4146	208	12	work	work	NOUN
ajeer-4146	208	13	certificate	certificate	NOUN
ajeer-4146	208	14	while	while	SCONJ
ajeer-4146	208	15	continuing	continue	VERB
ajeer-4146	208	16	to	to	PART
ajeer-4146	208	17	work	work	VERB
ajeer-4146	208	18	in	in	ADP
ajeer-4146	208	19	the	the	DET
ajeer-4146	208	20	informal	informal	ADJ
ajeer-4146	208	21	sector	sector	NOUN
ajeer-4146	208	22	,	,	PUNCT
ajeer-4146	208	23	and	and	CCONJ
ajeer-4146	208	24	formal	formal	ADJ
ajeer-4146	208	25	institutions	institution	NOUN
ajeer-4146	208	26	ask	ask	VERB
ajeer-4146	208	27	for	for	ADP
ajeer-4146	208	28	documents	document	NOUN
ajeer-4146	208	29	that	that	PRON
ajeer-4146	208	30	testify	testify	VERB
ajeer-4146	208	31	or	or	CCONJ
ajeer-4146	208	32	certify	certify	VERB
ajeer-4146	208	33	your	your	PRON
ajeer-4146	208	34	line	line	NOUN
ajeer-4146	208	35	of	of	ADP
ajeer-4146	208	36	work	work	NOUN
ajeer-4146	208	37	when	when	SCONJ
ajeer-4146	208	38	asking	ask	VERB
ajeer-4146	208	39	for	for	ADP
ajeer-4146	208	40	a	a	DET
ajeer-4146	208	41	loan	loan	NOUN
ajeer-4146	208	42	.	.	PUNCT
ajeer-4146	209	1	lack	lack	NOUN
ajeer-4146	209	2	of	of	ADP
ajeer-4146	209	3	trust	trust	NOUN
ajeer-4146	209	4	in	in	ADP
ajeer-4146	209	5	financial	financial	ADJ
ajeer-4146	209	6	institutions	institution	NOUN
ajeer-4146	209	7	is	be	AUX
ajeer-4146	209	8	statistically	statistically	ADV
ajeer-4146	209	9	significant	significant	ADJ
ajeer-4146	209	10	at	at	ADP
ajeer-4146	209	11	the	the	DET
ajeer-4146	209	12	1	1	NUM
ajeer-4146	209	13	%	%	NOUN
ajeer-4146	209	14	level	level	NOUN
ajeer-4146	209	15	for	for	ADP
ajeer-4146	209	16	the	the	DET
ajeer-4146	209	17	2011	2011	NUM
ajeer-4146	209	18	dataset	dataset	NOUN
ajeer-4146	209	19	,	,	PUNCT
ajeer-4146	209	20	and	and	CCONJ
ajeer-4146	209	21	religious	religious	ADJ
ajeer-4146	209	22	reasons	reason	NOUN
ajeer-4146	209	23	are	be	AUX
ajeer-4146	209	24	statistically	statistically	ADV
ajeer-4146	209	25	significant	significant	ADJ
ajeer-4146	209	26	at	at	ADP
ajeer-4146	209	27	the	the	DET
ajeer-4146	209	28	1	1	NUM
ajeer-4146	209	29	%	%	NOUN
ajeer-4146	209	30	level	level	NOUN
ajeer-4146	209	31	for	for	ADP
ajeer-4146	209	32	the	the	DET
ajeer-4146	209	33	2014	2014	NUM
ajeer-4146	209	34	dataset	dataset	NOUN
ajeer-4146	209	35	.	.	PUNCT
ajeer-4146	210	1	while	while	SCONJ
ajeer-4146	210	2	the	the	DET
ajeer-4146	210	3	coefficient	coefficient	NOUN
ajeer-4146	210	4	of	of	ADP
ajeer-4146	210	5	correlation	correlation	NOUN
ajeer-4146	210	6	between	between	ADP
ajeer-4146	210	7	lack	lack	NOUN
ajeer-4146	210	8	of	of	ADP
ajeer-4146	210	9	trust	trust	NOUN
ajeer-4146	210	10	and	and	CCONJ
ajeer-4146	210	11	financial	financial	ADJ
ajeer-4146	210	12	exclusion	exclusion	NOUN
ajeer-4146	210	13	is	be	AUX
ajeer-4146	210	14	positive	positive	ADJ
ajeer-4146	210	15	,	,	PUNCT
ajeer-4146	210	16	it	it	PRON
ajeer-4146	210	17	is	be	AUX
ajeer-4146	210	18	negative	negative	ADJ
ajeer-4146	210	19	between	between	ADP
ajeer-4146	210	20	religious	religious	ADJ
ajeer-4146	210	21	reasons	reason	NOUN
ajeer-4146	210	22	and	and	CCONJ
ajeer-4146	210	23	financial	financial	ADJ
ajeer-4146	210	24	exclusion	exclusion	NOUN
ajeer-4146	210	25	.	.	PUNCT
ajeer-4146	211	1	this	this	PRON
ajeer-4146	211	2	reveals	reveal	VERB
ajeer-4146	211	3	that	that	SCONJ
ajeer-4146	211	4	lack	lack	NOUN
ajeer-4146	211	5	of	of	ADP
ajeer-4146	211	6	trust	trust	NOUN
ajeer-4146	211	7	in	in	ADP
ajeer-4146	211	8	financial	financial	ADJ
ajeer-4146	211	9	institutions	institution	NOUN
ajeer-4146	211	10	is	be	AUX
ajeer-4146	211	11	more	more	ADV
ajeer-4146	211	12	likely	likely	ADJ
ajeer-4146	211	13	to	to	PART
ajeer-4146	211	14	cause	cause	VERB
ajeer-4146	211	15	that	that	DET
ajeer-4146	211	16	person	person	NOUN
ajeer-4146	211	17	to	to	PART
ajeer-4146	211	18	avoid	avoid	VERB
ajeer-4146	211	19	asking	ask	VERB
ajeer-4146	211	20	for	for	ADP
ajeer-4146	211	21	financial	financial	ADJ
ajeer-4146	211	22	services	service	NOUN
ajeer-4146	211	23	.	.	PUNCT
ajeer-4146	212	1	religion	religion	NOUN
ajeer-4146	212	2	is	be	AUX
ajeer-4146	212	3	one	one	NUM
ajeer-4146	212	4	of	of	ADP
ajeer-4146	212	5	the	the	DET
ajeer-4146	212	6	factors	factor	NOUN
ajeer-4146	212	7	enabling	enable	VERB
ajeer-4146	212	8	individuals	individual	NOUN
ajeer-4146	212	9	to	to	PART
ajeer-4146	212	10	have	have	VERB
ajeer-4146	212	11	access	access	NOUN
ajeer-4146	212	12	to	to	ADP
ajeer-4146	212	13	financial	financial	ADJ
ajeer-4146	212	14	services	service	NOUN
ajeer-4146	212	15	(	(	PUNCT
ajeer-4146	212	16	the	the	DET
ajeer-4146	212	17	correlation	correlation	NOUN
ajeer-4146	212	18	coefficient	coefficient	NOUN
ajeer-4146	212	19	between	between	ADP
ajeer-4146	212	20	financial	financial	ADJ
ajeer-4146	212	21	exclusion	exclusion	NOUN
ajeer-4146	212	22	and	and	CCONJ
ajeer-4146	212	23	religion	religion	NOUN
ajeer-4146	212	24	is	be	AUX
ajeer-4146	212	25	negative	negative	ADJ
ajeer-4146	212	26	)	)	PUNCT
ajeer-4146	212	27	.	.	PUNCT
ajeer-4146	213	1	throughout	throughout	ADP
ajeer-4146	213	2	these	these	DET
ajeer-4146	213	3	years	year	NOUN
ajeer-4146	213	4	,	,	PUNCT
ajeer-4146	213	5	the	the	DET
ajeer-4146	213	6	lack	lack	NOUN
ajeer-4146	213	7	of	of	ADP
ajeer-4146	213	8	documentation	documentation	NOUN
ajeer-4146	213	9	,	,	PUNCT
ajeer-4146	213	10	the	the	DET
ajeer-4146	213	11	distance	distance	NOUN
ajeer-4146	213	12	to	to	ADP
ajeer-4146	213	13	a	a	DET
ajeer-4146	213	14	financial	financial	ADJ
ajeer-4146	213	15	institution	institution	NOUN
ajeer-4146	213	16	,	,	PUNCT
ajeer-4146	213	17	and	and	CCONJ
ajeer-4146	213	18	expensive	expensive	ADJ
ajeer-4146	213	19	financial	financial	ADJ
ajeer-4146	213	20	services	service	NOUN
ajeer-4146	213	21	are	be	AUX
ajeer-4146	213	22	found	find	VERB
ajeer-4146	213	23	to	to	PART
ajeer-4146	213	24	be	be	AUX
ajeer-4146	213	25	the	the	DET
ajeer-4146	213	26	main	main	ADJ
ajeer-4146	213	27	reasons	reason	NOUN
ajeer-4146	213	28	for	for	ADP
ajeer-4146	213	29	financial	financial	ADJ
ajeer-4146	213	30	exclusion	exclusion	NOUN
ajeer-4146	213	31	.	.	PUNCT
ajeer-4146	214	1	another	another	DET
ajeer-4146	214	2	point	point	NOUN
ajeer-4146	214	3	to	to	PART
ajeer-4146	214	4	note	note	VERB
ajeer-4146	214	5	here	here	ADV
ajeer-4146	214	6	is	be	AUX
ajeer-4146	214	7	that	that	SCONJ
ajeer-4146	214	8	,	,	PUNCT
ajeer-4146	214	9	in	in	ADP
ajeer-4146	214	10	2011	2011	NUM
ajeer-4146	214	11	,	,	PUNCT
ajeer-4146	214	12	beninese	beninese	ADJ
ajeer-4146	214	13	citizens	citizen	NOUN
ajeer-4146	214	14	did	do	AUX
ajeer-4146	214	15	not	not	PART
ajeer-4146	214	16	trust	trust	VERB
ajeer-4146	214	17	financial	financial	ADJ
ajeer-4146	214	18	institutions	institution	NOUN
ajeer-4146	214	19	,	,	PUNCT
ajeer-4146	214	20	but	but	CCONJ
ajeer-4146	214	21	since	since	SCONJ
ajeer-4146	214	22	2014	2014	NUM
ajeer-4146	214	23	,	,	PUNCT
ajeer-4146	214	24	they	they	PRON
ajeer-4146	214	25	have	have	AUX
ajeer-4146	214	26	started	start	VERB
ajeer-4146	214	27	showing	show	VERB
ajeer-4146	214	28	an	an	DET
ajeer-4146	214	29	interest	interest	NOUN
ajeer-4146	214	30	in	in	ADP
ajeer-4146	214	31	financial	financial	ADJ
ajeer-4146	214	32	institutions	institution	NOUN
ajeer-4146	214	33	by	by	ADP
ajeer-4146	214	34	trusting	trust	VERB
ajeer-4146	214	35	them	they	PRON
ajeer-4146	214	36	.	.	PUNCT
ajeer-4146	215	1	the	the	DET
ajeer-4146	215	2	dummy	dummy	ADJ
ajeer-4146	215	3	variable	variable	NOUN
ajeer-4146	215	4	for	for	ADP
ajeer-4146	215	5	a	a	DET
ajeer-4146	215	6	female	female	NOUN
ajeer-4146	215	7	is	be	AUX
ajeer-4146	215	8	positively	positively	ADV
ajeer-4146	215	9	correlated	correlate	VERB
ajeer-4146	215	10	and	and	CCONJ
ajeer-4146	215	11	statistically	statistically	ADV
ajeer-4146	215	12	significant	significant	ADJ
ajeer-4146	215	13	at	at	ADP
ajeer-4146	215	14	the	the	DET
ajeer-4146	215	15	1	1	NUM
ajeer-4146	215	16	%	%	NOUN
ajeer-4146	215	17	level	level	NOUN
ajeer-4146	215	18	with	with	ADP
ajeer-4146	215	19	financial	financial	ADJ
ajeer-4146	215	20	exclusion	exclusion	NOUN
ajeer-4146	215	21	,	,	PUNCT
ajeer-4146	215	22	indicating	indicate	VERB
ajeer-4146	215	23	that	that	SCONJ
ajeer-4146	215	24	females	female	NOUN
ajeer-4146	215	25	are	be	AUX
ajeer-4146	215	26	more	more	ADV
ajeer-4146	215	27	likely	likely	ADJ
ajeer-4146	215	28	to	to	PART
ajeer-4146	215	29	be	be	AUX
ajeer-4146	215	30	excluded	exclude	VERB
ajeer-4146	215	31	from	from	ADP
ajeer-4146	215	32	financial	financial	ADJ
ajeer-4146	215	33	services	service	NOUN
ajeer-4146	215	34	than	than	ADP
ajeer-4146	215	35	males	male	NOUN
ajeer-4146	215	36	in	in	ADP
ajeer-4146	215	37	benin	benin	PROPN
ajeer-4146	215	38	.	.	PUNCT
ajeer-4146	216	1	this	this	PRON
ajeer-4146	216	2	may	may	AUX
ajeer-4146	216	3	be	be	AUX
ajeer-4146	216	4	because	because	SCONJ
ajeer-4146	216	5	it	it	PRON
ajeer-4146	216	6	is	be	AUX
ajeer-4146	216	7	more	more	ADV
ajeer-4146	216	8	difficult	difficult	ADJ
ajeer-4146	216	9	for	for	SCONJ
ajeer-4146	216	10	females	female	NOUN
ajeer-4146	216	11	to	to	PART
ajeer-4146	216	12	have	have	VERB
ajeer-4146	216	13	access	access	NOUN
ajeer-4146	216	14	to	to	ADP
ajeer-4146	216	15	finance	finance	NOUN
ajeer-4146	216	16	because	because	SCONJ
ajeer-4146	216	17	they	they	PRON
ajeer-4146	216	18	are	be	AUX
ajeer-4146	216	19	less	less	ADV
ajeer-4146	216	20	likely	likely	ADJ
ajeer-4146	216	21	to	to	PART
ajeer-4146	216	22	work	work	VERB
ajeer-4146	216	23	and	and	CCONJ
ajeer-4146	216	24	have	have	VERB
ajeer-4146	216	25	less	less	ADJ
ajeer-4146	216	26	power	power	NOUN
ajeer-4146	216	27	in	in	ADP
ajeer-4146	216	28	financial	financial	ADJ
ajeer-4146	216	29	decisions	decision	NOUN
ajeer-4146	216	30	.	.	PUNCT
ajeer-4146	217	1	this	this	PRON
ajeer-4146	217	2	confirms	confirm	VERB
ajeer-4146	217	3	the	the	DET
ajeer-4146	217	4	findings	finding	NOUN
ajeer-4146	217	5	of	of	ADP
ajeer-4146	217	6	the	the	DET
ajeer-4146	217	7	international	international	ADJ
ajeer-4146	217	8	monetary	monetary	ADJ
ajeer-4146	217	9	fund	fund	NOUN
ajeer-4146	217	10	(	(	PUNCT
ajeer-4146	217	11	imf	imf	PROPN
ajeer-4146	217	12	)	)	PUNCT
ajeer-4146	217	13	,	,	PUNCT
ajeer-4146	217	14	which	which	PRON
ajeer-4146	217	15	shows	show	VERB
ajeer-4146	217	16	that	that	SCONJ
ajeer-4146	217	17	males	male	NOUN
ajeer-4146	217	18	reported	report	VERB
ajeer-4146	217	19	higher	high	ADJ
ajeer-4146	217	20	access	access	NOUN
ajeer-4146	217	21	to	to	ADP
ajeer-4146	217	22	finance	finance	NOUN
ajeer-4146	217	23	than	than	ADP
ajeer-4146	217	24	females	female	NOUN
ajeer-4146	217	25	in	in	ADP
ajeer-4146	217	26	benin	benin	PROPN
ajeer-4146	217	27	(	(	PUNCT
ajeer-4146	217	28	fund	fund	PROPN
ajeer-4146	217	29	,	,	PUNCT
ajeer-4146	217	30	2018	2018	NUM
ajeer-4146	217	31	)	)	PUNCT
ajeer-4146	217	32	.	.	PUNCT
ajeer-4146	218	1	table	table	NOUN
ajeer-4146	218	2	5	5	NUM
ajeer-4146	218	3	.	.	PUNCT
ajeer-4146	219	1	results	result	NOUN
ajeer-4146	219	2	of	of	ADP
ajeer-4146	219	3	the	the	DET
ajeer-4146	219	4	simple	simple	ADJ
ajeer-4146	219	5	probit	probit	NOUN
ajeer-4146	219	6	model	model	NOUN
ajeer-4146	219	7	.	.	PUNCT
ajeer-4146	220	1	variables	variable	NOUN
ajeer-4146	220	2	2011	2011	NUM
ajeer-4146	220	3	2014	2014	NUM
ajeer-4146	220	4	2017	2017	NUM
ajeer-4146	220	5	financial_index	financial_index	NOUN
ajeer-4146	220	6	0.566∗∗∗	0.566∗∗∗	X
ajeer-4146	220	7	(	(	PUNCT
ajeer-4146	220	8	0.089	0.089	NUM
ajeer-4146	220	9	)	)	PUNCT
ajeer-4146	220	10	0.725∗∗∗	0.725∗∗∗	NUM
ajeer-4146	220	11	(	(	PUNCT
ajeer-4146	220	12	0.145	0.145	NUM
ajeer-4146	220	13	)	)	PUNCT
ajeer-4146	220	14	0.189∗∗	0.189∗∗	NOUN
ajeer-4146	220	15	(	(	PUNCT
ajeer-4146	220	16	0.090	0.090	NUM
ajeer-4146	220	17	)	)	PUNCT
ajeer-4146	220	18	female	female	ADJ
ajeer-4146	220	19	0.004	0.004	NUM
ajeer-4146	220	20	(	(	PUNCT
ajeer-4146	220	21	0.089	0.089	NUM
ajeer-4146	220	22	)	)	PUNCT
ajeer-4146	220	23	0.113	0.113	NUM
ajeer-4146	220	24	(	(	PUNCT
ajeer-4146	220	25	0.085	0.085	NUM
ajeer-4146	220	26	)	)	PUNCT
ajeer-4146	220	27	0.030	0.030	NUM
ajeer-4146	220	28	(	(	PUNCT
ajeer-4146	220	29	0.087	0.087	NUM
ajeer-4146	220	30	)	)	PUNCT
ajeer-4146	220	31	age	age	NOUN
ajeer-4146	220	32	of	of	ADP
ajeer-4146	220	33	individual	individual	ADJ
ajeer-4146	220	34	-0.003	-0.003	PROPN
ajeer-4146	220	35	(	(	PUNCT
ajeer-4146	220	36	0.013	0.013	NUM
ajeer-4146	220	37	)	)	PUNCT
ajeer-4146	220	38	-0.000	-0.000	X
ajeer-4146	220	39	(	(	PUNCT
ajeer-4146	220	40	0.014	0.014	NUM
ajeer-4146	220	41	)	)	PUNCT
ajeer-4146	220	42	-0.005	-0.005	PRON
ajeer-4146	220	43	(	(	PUNCT
ajeer-4146	220	44	0.013	0.013	NUM
ajeer-4146	220	45	)	)	PUNCT
ajeer-4146	220	46	age_squared	age_square	VERB
ajeer-4146	220	47	-0.000	-0.000	PUNCT
ajeer-4146	220	48	(	(	PUNCT
ajeer-4146	220	49	0.000	0.000	NUM
ajeer-4146	220	50	)	)	PUNCT
ajeer-4146	220	51	-0.000	-0.000	PUNCT
ajeer-4146	220	52	(	(	PUNCT
ajeer-4146	220	53	0.000	0.000	NUM
ajeer-4146	220	54	)	)	PUNCT
ajeer-4146	220	55	-0.000	-0.000	PUNCT
ajeer-4146	220	56	(	(	PUNCT
ajeer-4146	220	57	0.000	0.000	X
ajeer-4146	220	58	)	)	PUNCT
ajeer-4146	220	59	primary	primary	ADJ
ajeer-4146	220	60	school	school	NOUN
ajeer-4146	220	61	level	level	NOUN
ajeer-4146	220	62	4.476∗∗∗	4.476∗∗∗	NUM
ajeer-4146	220	63	(	(	PUNCT
ajeer-4146	220	64	0.133	0.133	NUM
ajeer-4146	220	65	)	)	PUNCT
ajeer-4146	220	66	4.433∗∗∗	4.433∗∗∗	NUM
ajeer-4146	220	67	(	(	PUNCT
ajeer-4146	220	68	0.133	0.133	NUM
ajeer-4146	220	69	)	)	PUNCT
ajeer-4146	220	70	na	na	ADP
ajeer-4146	220	71	secondary	secondary	ADJ
ajeer-4146	220	72	school	school	NOUN
ajeer-4146	220	73	level	level	NOUN
ajeer-4146	220	74	3.909∗∗∗	3.909∗∗∗	NUM
ajeer-4146	220	75	(	(	PUNCT
ajeer-4146	220	76	0.156	0.156	NUM
ajeer-4146	220	77	)	)	PUNCT
ajeer-4146	220	78	4.034∗∗∗	4.034∗∗∗	PROPN
ajeer-4146	220	79	(	(	PUNCT
ajeer-4146	220	80	0.155	0.155	NUM
ajeer-4146	220	81	)	)	PUNCT
ajeer-4146	220	82	-0.566∗∗∗	-0.566∗∗∗	PROPN
ajeer-4146	220	83	(	(	PUNCT
ajeer-4146	220	84	0.094	0.094	NOUN
ajeer-4146	220	85	)	)	PUNCT
ajeer-4146	220	86	tertiary	tertiary	ADJ
ajeer-4146	220	87	or	or	CCONJ
ajeer-4146	220	88	higher	high	ADJ
ajeer-4146	220	89	na	na	ADP
ajeer-4146	220	90	na	na	ADP
ajeer-4146	220	91	-1.082∗∗∗	-1.082∗∗∗	PROPN
ajeer-4146	220	92	(	(	PUNCT
ajeer-4146	220	93	0.247	0.247	NUM
ajeer-4146	220	94	)	)	PUNCT
ajeer-4146	220	95	out	out	ADP
ajeer-4146	220	96	of	of	ADP
ajeer-4146	220	97	workforce	workforce	NOUN
ajeer-4146	220	98	na	na	NOUN
ajeer-4146	220	99	na	na	ADP
ajeer-4146	220	100	0.030	0.030	NUM
ajeer-4146	220	101	(	(	PUNCT
ajeer-4146	220	102	0.100	0.100	NUM
ajeer-4146	220	103	)	)	PUNCT
ajeer-4146	220	104	constant	constant	ADJ
ajeer-4146	220	105	-4.970∗∗∗	-4.970∗∗∗	X
ajeer-4146	220	106	(	(	PUNCT
ajeer-4146	220	107	0.318	0.318	NUM
ajeer-4146	220	108	)	)	PUNCT
ajeer-4146	220	109	-5.371∗∗∗	-5.371∗∗∗	X
ajeer-4146	220	110	(	(	PUNCT
ajeer-4146	220	111	0.335	0.335	NUM
ajeer-4146	220	112	)	)	PUNCT
ajeer-4146	220	113	-0.120	-0.120	PUNCT
ajeer-4146	220	114	(	(	PUNCT
ajeer-4146	220	115	0.265	0.265	NUM
ajeer-4146	220	116	)	)	PUNCT
ajeer-4146	220	117	observations	observation	NOUN
ajeer-4146	220	118	1,000	1,000	NUM
ajeer-4146	220	119	1,000	1,000	NUM
ajeer-4146	220	120	990	990	NUM
ajeer-4146	220	121	note	note	NOUN
ajeer-4146	220	122	:	:	PUNCT
ajeer-4146	220	123	∗∗∗	∗∗∗	NUM
ajeer-4146	220	124	and	and	CCONJ
ajeer-4146	220	125	∗∗	∗∗	PROPN
ajeer-4146	220	126	signify	signify	VERB
ajeer-4146	220	127	significance	significance	NOUN
ajeer-4146	220	128	at	at	ADP
ajeer-4146	220	129	the	the	DET
ajeer-4146	220	130	1	1	NUM
ajeer-4146	220	131	%	%	NOUN
ajeer-4146	220	132	and	and	CCONJ
ajeer-4146	220	133	10	10	NUM
ajeer-4146	220	134	%	%	NOUN
ajeer-4146	220	135	levels	level	NOUN
ajeer-4146	220	136	,	,	PUNCT
ajeer-4146	220	137	respectively	respectively	ADV
ajeer-4146	220	138	.	.	PUNCT
ajeer-4146	221	1	standard	standard	ADJ
ajeer-4146	221	2	errors	error	NOUN
ajeer-4146	221	3	are	be	AUX
ajeer-4146	221	4	in	in	ADP
ajeer-4146	221	5	parentheses	parenthesis	NOUN
ajeer-4146	221	6	.	.	PUNCT
ajeer-4146	222	1	education	education	NOUN
ajeer-4146	222	2	also	also	ADV
ajeer-4146	222	3	plays	play	VERB
ajeer-4146	222	4	a	a	DET
ajeer-4146	222	5	key	key	ADJ
ajeer-4146	222	6	role	role	NOUN
ajeer-4146	222	7	in	in	ADP
ajeer-4146	222	8	financial	financial	ADJ
ajeer-4146	222	9	markets	market	NOUN
ajeer-4146	222	10	.	.	PUNCT
ajeer-4146	223	1	as	as	SCONJ
ajeer-4146	223	2	expected	expect	VERB
ajeer-4146	223	3	,	,	PUNCT
ajeer-4146	223	4	the	the	DET
ajeer-4146	223	5	findings	finding	NOUN
ajeer-4146	223	6	in	in	ADP
ajeer-4146	223	7	benin	benin	PROPN
ajeer-4146	223	8	are	be	AUX
ajeer-4146	223	9	not	not	PART
ajeer-4146	223	10	surprising	surprising	ADJ
ajeer-4146	223	11	.	.	PUNCT
ajeer-4146	224	1	the	the	DET
ajeer-4146	224	2	coefficients	coefficient	NOUN
ajeer-4146	224	3	associated	associate	VERB
ajeer-4146	224	4	with	with	ADP
ajeer-4146	224	5	the	the	DET
ajeer-4146	224	6	education	education	NOUN
ajeer-4146	224	7	variable	variable	NOUN
ajeer-4146	224	8	(	(	PUNCT
ajeer-4146	224	9	secondary	secondary	ADJ
ajeer-4146	224	10	,	,	PUNCT
ajeer-4146	224	11	tertiary	tertiary	ADJ
ajeer-4146	224	12	or	or	CCONJ
ajeer-4146	224	13	higher	high	ADJ
ajeer-4146	224	14	levels	level	NOUN
ajeer-4146	224	15	of	of	ADP
ajeer-4146	224	16	education	education	NOUN
ajeer-4146	224	17	)	)	PUNCT
ajeer-4146	224	18	are	be	AUX
ajeer-4146	224	19	negative	negative	ADJ
ajeer-4146	224	20	and	and	CCONJ
ajeer-4146	224	21	asian	asian	ADJ
ajeer-4146	224	22	journal	journal	NOUN
ajeer-4146	224	23	of	of	ADP
ajeer-4146	224	24	economics	economic	NOUN
ajeer-4146	224	25	and	and	CCONJ
ajeer-4146	224	26	empirical	empirical	ADJ
ajeer-4146	224	27	research	research	NOUN
ajeer-4146	224	28	,	,	PUNCT
ajeer-4146	224	29	2022	2022	NUM
ajeer-4146	224	30	,	,	PUNCT
ajeer-4146	224	31	9(2	9(2	NUM
ajeer-4146	224	32	):	):	PUNCT
ajeer-4146	224	33	121	121	NUM
ajeer-4146	224	34	-	-	SYM
ajeer-4146	224	35	131	131	NUM
ajeer-4146	224	36	128	128	NUM
ajeer-4146	224	37	©	©	PROPN
ajeer-4146	224	38	2022	2022	NUM
ajeer-4146	224	39	by	by	ADP
ajeer-4146	224	40	the	the	DET
ajeer-4146	224	41	authors	author	NOUN
ajeer-4146	224	42	;	;	PUNCT
ajeer-4146	224	43	licensee	licensee	PROPN
ajeer-4146	224	44	asian	asian	ADJ
ajeer-4146	224	45	online	online	PROPN
ajeer-4146	224	46	journal	journal	PROPN
ajeer-4146	224	47	publishing	publishing	NOUN
ajeer-4146	224	48	group	group	NOUN
ajeer-4146	224	49	significant	significant	ADJ
ajeer-4146	224	50	at	at	ADP
ajeer-4146	224	51	the	the	DET
ajeer-4146	224	52	1	1	NUM
ajeer-4146	224	53	%	%	NOUN
ajeer-4146	224	54	level	level	NOUN
ajeer-4146	224	55	correlated	correlate	VERB
ajeer-4146	224	56	with	with	ADP
ajeer-4146	224	57	financial	financial	ADJ
ajeer-4146	224	58	exclusion	exclusion	NOUN
ajeer-4146	224	59	,	,	PUNCT
ajeer-4146	224	60	meaning	mean	VERB
ajeer-4146	224	61	that	that	SCONJ
ajeer-4146	224	62	the	the	DET
ajeer-4146	224	63	more	more	ADV
ajeer-4146	224	64	educated	educated	ADJ
ajeer-4146	224	65	you	you	PRON
ajeer-4146	224	66	are	be	AUX
ajeer-4146	224	67	,	,	PUNCT
ajeer-4146	224	68	the	the	PRON
ajeer-4146	224	69	less	less	ADV
ajeer-4146	224	70	likely	likely	ADJ
ajeer-4146	224	71	you	you	PRON
ajeer-4146	224	72	are	be	AUX
ajeer-4146	224	73	to	to	PART
ajeer-4146	224	74	be	be	AUX
ajeer-4146	224	75	financially	financially	ADV
ajeer-4146	224	76	excluded	exclude	VERB
ajeer-4146	224	77	.	.	PUNCT
ajeer-4146	225	1	furthermore	furthermore	ADV
ajeer-4146	225	2	,	,	PUNCT
ajeer-4146	225	3	the	the	DET
ajeer-4146	225	4	regression	regression	NOUN
ajeer-4146	225	5	results	result	VERB
ajeer-4146	225	6	for	for	ADP
ajeer-4146	225	7	the	the	DET
ajeer-4146	225	8	2011	2011	NUM
ajeer-4146	225	9	,	,	PUNCT
ajeer-4146	225	10	2014	2014	NUM
ajeer-4146	225	11	,	,	PUNCT
ajeer-4146	225	12	and	and	CCONJ
ajeer-4146	225	13	2017	2017	NUM
ajeer-4146	225	14	datasets	dataset	NOUN
ajeer-4146	225	15	show	show	VERB
ajeer-4146	225	16	that	that	SCONJ
ajeer-4146	225	17	younger	young	ADJ
ajeer-4146	225	18	individuals	individual	NOUN
ajeer-4146	225	19	are	be	AUX
ajeer-4146	225	20	less	less	ADV
ajeer-4146	225	21	likely	likely	ADJ
ajeer-4146	225	22	to	to	PART
ajeer-4146	225	23	be	be	AUX
ajeer-4146	225	24	excluded	exclude	VERB
ajeer-4146	225	25	from	from	ADP
ajeer-4146	225	26	financial	financial	ADJ
ajeer-4146	225	27	services	service	NOUN
ajeer-4146	225	28	and	and	CCONJ
ajeer-4146	225	29	are	be	AUX
ajeer-4146	225	30	more	more	ADV
ajeer-4146	225	31	likely	likely	ADJ
ajeer-4146	225	32	to	to	PART
ajeer-4146	225	33	be	be	AUX
ajeer-4146	225	34	excluded	exclude	VERB
ajeer-4146	225	35	as	as	SCONJ
ajeer-4146	225	36	they	they	PRON
ajeer-4146	225	37	get	get	VERB
ajeer-4146	225	38	older	old	ADJ
ajeer-4146	225	39	(	(	PUNCT
ajeer-4146	225	40	the	the	DET
ajeer-4146	225	41	age	age	NOUN
ajeer-4146	225	42	and	and	CCONJ
ajeer-4146	225	43	age	age	NOUN
ajeer-4146	225	44	squared	square	VERB
ajeer-4146	225	45	coefficients	coefficient	NOUN
ajeer-4146	225	46	are	be	AUX
ajeer-4146	225	47	respectively	respectively	ADV
ajeer-4146	225	48	negative	negative	ADJ
ajeer-4146	225	49	and	and	CCONJ
ajeer-4146	225	50	positive	positive	ADJ
ajeer-4146	225	51	and	and	CCONJ
ajeer-4146	225	52	statistically	statistically	ADV
ajeer-4146	225	53	significant	significant	ADJ
ajeer-4146	225	54	at	at	ADP
ajeer-4146	225	55	the	the	DET
ajeer-4146	225	56	1	1	NUM
ajeer-4146	225	57	%	%	NOUN
ajeer-4146	225	58	level	level	NOUN
ajeer-4146	225	59	)	)	PUNCT
ajeer-4146	225	60	.	.	PUNCT
ajeer-4146	226	1	finally	finally	ADV
ajeer-4146	226	2	,	,	PUNCT
ajeer-4146	226	3	individuals	individual	NOUN
ajeer-4146	226	4	who	who	PRON
ajeer-4146	226	5	are	be	AUX
ajeer-4146	226	6	not	not	PART
ajeer-4146	226	7	in	in	ADP
ajeer-4146	226	8	the	the	DET
ajeer-4146	226	9	job	job	NOUN
ajeer-4146	226	10	market	market	NOUN
ajeer-4146	226	11	are	be	AUX
ajeer-4146	226	12	more	more	ADV
ajeer-4146	226	13	likely	likely	ADJ
ajeer-4146	226	14	to	to	PART
ajeer-4146	226	15	be	be	AUX
ajeer-4146	226	16	unable	unable	ADJ
ajeer-4146	226	17	to	to	PART
ajeer-4146	226	18	access	access	VERB
ajeer-4146	226	19	financial	financial	ADJ
ajeer-4146	226	20	services	service	NOUN
ajeer-4146	226	21	than	than	ADP
ajeer-4146	226	22	their	their	PRON
ajeer-4146	226	23	peers	peer	NOUN
ajeer-4146	226	24	.	.	PUNCT
ajeer-4146	227	1	this	this	DET
ajeer-4146	227	2	result	result	NOUN
ajeer-4146	227	3	can	can	AUX
ajeer-4146	227	4	be	be	AUX
ajeer-4146	227	5	explained	explain	VERB
ajeer-4146	227	6	by	by	ADP
ajeer-4146	227	7	the	the	DET
ajeer-4146	227	8	fact	fact	NOUN
ajeer-4146	227	9	that	that	SCONJ
ajeer-4146	227	10	the	the	DET
ajeer-4146	227	11	job	job	NOUN
ajeer-4146	227	12	market	market	NOUN
ajeer-4146	227	13	is	be	AUX
ajeer-4146	227	14	largely	largely	ADV
ajeer-4146	227	15	informal	informal	ADJ
ajeer-4146	227	16	so	so	SCONJ
ajeer-4146	227	17	individuals	individual	NOUN
ajeer-4146	227	18	do	do	AUX
ajeer-4146	227	19	not	not	PART
ajeer-4146	227	20	have	have	VERB
ajeer-4146	227	21	valid	valid	ADJ
ajeer-4146	227	22	documents	document	NOUN
ajeer-4146	227	23	to	to	PART
ajeer-4146	227	24	present	present	VERB
ajeer-4146	227	25	to	to	ADP
ajeer-4146	227	26	financial	financial	ADJ
ajeer-4146	227	27	institutions	institution	NOUN
ajeer-4146	227	28	to	to	PART
ajeer-4146	227	29	get	get	VERB
ajeer-4146	227	30	a	a	DET
ajeer-4146	227	31	loan	loan	NOUN
ajeer-4146	227	32	or	or	CCONJ
ajeer-4146	227	33	credit	credit	NOUN
ajeer-4146	227	34	.	.	PUNCT
ajeer-4146	228	1	tables	table	NOUN
ajeer-4146	228	2	5	5	NUM
ajeer-4146	228	3	and	and	CCONJ
ajeer-4146	228	4	6	6	NUM
ajeer-4146	228	5	present	present	ADJ
ajeer-4146	228	6	the	the	DET
ajeer-4146	228	7	results	result	NOUN
ajeer-4146	228	8	of	of	ADP
ajeer-4146	228	9	the	the	DET
ajeer-4146	228	10	regression	regression	NOUN
ajeer-4146	228	11	of	of	ADP
ajeer-4146	228	12	financial	financial	ADJ
ajeer-4146	228	13	exclusion	exclusion	NOUN
ajeer-4146	228	14	on	on	ADP
ajeer-4146	228	15	poverty	poverty	NOUN
ajeer-4146	228	16	where	where	SCONJ
ajeer-4146	228	17	the	the	DET
ajeer-4146	228	18	first	first	ADJ
ajeer-4146	228	19	and	and	CCONJ
ajeer-4146	228	20	second	second	ADJ
ajeer-4146	228	21	20	20	NUM
ajeer-4146	228	22	%	%	NOUN
ajeer-4146	228	23	poorest	poor	ADJ
ajeer-4146	228	24	income	income	NOUN
ajeer-4146	228	25	quintiles	quintile	NOUN
ajeer-4146	228	26	are	be	AUX
ajeer-4146	228	27	used	use	VERB
ajeer-4146	228	28	as	as	ADP
ajeer-4146	228	29	proxies	proxy	NOUN
ajeer-4146	228	30	.	.	PUNCT
ajeer-4146	229	1	as	as	SCONJ
ajeer-4146	229	2	we	we	PRON
ajeer-4146	229	3	can	can	AUX
ajeer-4146	229	4	expect	expect	VERB
ajeer-4146	229	5	,	,	PUNCT
ajeer-4146	229	6	the	the	DET
ajeer-4146	229	7	coefficient	coefficient	NOUN
ajeer-4146	229	8	of	of	ADP
ajeer-4146	229	9	the	the	DET
ajeer-4146	229	10	financial	financial	ADJ
ajeer-4146	229	11	exclusion	exclusion	NOUN
ajeer-4146	229	12	is	be	AUX
ajeer-4146	229	13	positive	positive	ADJ
ajeer-4146	229	14	and	and	CCONJ
ajeer-4146	229	15	statistically	statistically	ADV
ajeer-4146	229	16	significant	significant	ADJ
ajeer-4146	229	17	at	at	ADP
ajeer-4146	229	18	the	the	DET
ajeer-4146	229	19	1	1	NUM
ajeer-4146	229	20	%	%	NOUN
ajeer-4146	229	21	level	level	NOUN
ajeer-4146	229	22	for	for	ADP
ajeer-4146	229	23	all	all	DET
ajeer-4146	229	24	three	three	NUM
ajeer-4146	229	25	rounds	round	NOUN
ajeer-4146	229	26	of	of	ADP
ajeer-4146	229	27	the	the	DET
ajeer-4146	229	28	surveys	survey	NOUN
ajeer-4146	229	29	(	(	PUNCT
ajeer-4146	229	30	2011	2011	NUM
ajeer-4146	229	31	,	,	PUNCT
ajeer-4146	229	32	2014	2014	NUM
ajeer-4146	229	33	,	,	PUNCT
ajeer-4146	229	34	and	and	CCONJ
ajeer-4146	229	35	2017	2017	NUM
ajeer-4146	229	36	)	)	PUNCT
ajeer-4146	229	37	.	.	PUNCT
ajeer-4146	230	1	this	this	PRON
ajeer-4146	230	2	means	mean	VERB
ajeer-4146	230	3	that	that	SCONJ
ajeer-4146	230	4	financially	financially	ADV
ajeer-4146	230	5	excluded	exclude	VERB
ajeer-4146	230	6	individuals	individual	NOUN
ajeer-4146	230	7	are	be	AUX
ajeer-4146	230	8	more	more	ADV
ajeer-4146	230	9	likely	likely	ADJ
ajeer-4146	230	10	to	to	PART
ajeer-4146	230	11	be	be	AUX
ajeer-4146	230	12	poor	poor	ADJ
ajeer-4146	230	13	.	.	PUNCT
ajeer-4146	231	1	in	in	ADP
ajeer-4146	231	2	other	other	ADJ
ajeer-4146	231	3	words	word	NOUN
ajeer-4146	231	4	,	,	PUNCT
ajeer-4146	231	5	having	have	VERB
ajeer-4146	231	6	access	access	NOUN
ajeer-4146	231	7	to	to	ADP
ajeer-4146	231	8	financial	financial	ADJ
ajeer-4146	231	9	services	service	NOUN
ajeer-4146	231	10	help	help	VERB
ajeer-4146	231	11	to	to	PART
ajeer-4146	231	12	reduce	reduce	VERB
ajeer-4146	231	13	poverty	poverty	NOUN
ajeer-4146	231	14	in	in	ADP
ajeer-4146	231	15	benin	benin	PROPN
ajeer-4146	231	16	.	.	PUNCT
ajeer-4146	232	1	these	these	DET
ajeer-4146	232	2	results	result	NOUN
ajeer-4146	232	3	are	be	AUX
ajeer-4146	232	4	consistent	consistent	ADJ
ajeer-4146	232	5	with	with	ADP
ajeer-4146	232	6	the	the	DET
ajeer-4146	232	7	ongoing	ongoing	ADJ
ajeer-4146	232	8	literature	literature	NOUN
ajeer-4146	232	9	in	in	ADP
ajeer-4146	232	10	benin	benin	PROPN
ajeer-4146	232	11	.	.	PUNCT
ajeer-4146	233	1	table	table	NOUN
ajeer-4146	233	2	6	6	NUM
ajeer-4146	233	3	.	.	PUNCT
ajeer-4146	233	4	treatment	treatment	NOUN
ajeer-4146	233	5	effect	effect	NOUN
ajeer-4146	233	6	model	model	NOUN
ajeer-4146	233	7	.	.	PUNCT
ajeer-4146	234	1	variables	variable	NOUN
ajeer-4146	234	2	2011	2011	NUM
ajeer-4146	234	3	2014	2014	NUM
ajeer-4146	234	4	2017	2017	NUM
ajeer-4146	234	5	financial_index	financial_index	NOUN
ajeer-4146	234	6	0.557∗∗∗	0.557∗∗∗	ADP
ajeer-4146	234	7	(	(	PUNCT
ajeer-4146	234	8	0.093	0.093	NUM
ajeer-4146	234	9	)	)	PUNCT
ajeer-4146	234	10	0.800∗∗∗	0.800∗∗∗	NUM
ajeer-4146	234	11	(	(	PUNCT
ajeer-4146	234	12	0.159	0.159	NUM
ajeer-4146	234	13	)	)	PUNCT
ajeer-4146	234	14	0.204∗∗	0.204∗∗	NOUN
ajeer-4146	234	15	(	(	PUNCT
ajeer-4146	234	16	0.094	0.094	NOUN
ajeer-4146	234	17	)	)	PUNCT
ajeer-4146	234	18	female	female	NOUN
ajeer-4146	234	19	-0.004	-0.004	PUNCT
ajeer-4146	234	20	(	(	PUNCT
ajeer-4146	234	21	0.091	0.091	NUM
ajeer-4146	234	22	)	)	PUNCT
ajeer-4146	234	23	0.110	0.110	NUM
ajeer-4146	234	24	(	(	PUNCT
ajeer-4146	234	25	0.085	0.085	NUM
ajeer-4146	234	26	)	)	PUNCT
ajeer-4146	234	27	0.046	0.046	NUM
ajeer-4146	234	28	(	(	PUNCT
ajeer-4146	234	29	0.093	0.093	NUM
ajeer-4146	234	30	)	)	PUNCT
ajeer-4146	234	31	age	age	NOUN
ajeer-4146	234	32	of	of	ADP
ajeer-4146	234	33	individual	individual	ADJ
ajeer-4146	234	34	-0.000	-0.000	PUNCT
ajeer-4146	234	35	(	(	PUNCT
ajeer-4146	234	36	0.015	0.015	NUM
ajeer-4146	234	37	)	)	PUNCT
ajeer-4146	234	38	-0.007	-0.007	PUNCT
ajeer-4146	234	39	(	(	PUNCT
ajeer-4146	234	40	0.015	0.015	NUM
ajeer-4146	234	41	)	)	PUNCT
ajeer-4146	234	42	-0.007	-0.007	PUNCT
ajeer-4146	234	43	(	(	PUNCT
ajeer-4146	234	44	0.014	0.014	NUM
ajeer-4146	234	45	)	)	PUNCT
ajeer-4146	234	46	age_squared	age_square	VERB
ajeer-4146	234	47	-0.000	-0.000	PUNCT
ajeer-4146	234	48	(	(	PUNCT
ajeer-4146	234	49	0.000	0.000	NUM
ajeer-4146	234	50	)	)	PUNCT
ajeer-4146	234	51	-0.000	-0.000	PUNCT
ajeer-4146	234	52	(	(	PUNCT
ajeer-4146	234	53	0.000	0.000	NUM
ajeer-4146	234	54	)	)	PUNCT
ajeer-4146	234	55	0.000	0.000	NUM
ajeer-4146	234	56	(	(	PUNCT
ajeer-4146	234	57	0.000	0.000	NUM
ajeer-4146	234	58	)	)	PUNCT
ajeer-4146	234	59	primary	primary	ADJ
ajeer-4146	234	60	school	school	NOUN
ajeer-4146	234	61	level	level	NOUN
ajeer-4146	234	62	4.405∗∗∗	4.405∗∗∗	NUM
ajeer-4146	234	63	(	(	PUNCT
ajeer-4146	234	64	0.245	0.245	NUM
ajeer-4146	234	65	)	)	PUNCT
ajeer-4146	234	66	4.561∗∗∗	4.561∗∗∗	PROPN
ajeer-4146	234	67	(	(	PUNCT
ajeer-4146	234	68	0.206	0.206	NUM
ajeer-4146	234	69	)	)	PUNCT
ajeer-4146	234	70	na	na	ADP
ajeer-4146	234	71	secondary	secondary	ADJ
ajeer-4146	234	72	school	school	NOUN
ajeer-4146	234	73	level	level	NOUN
ajeer-4146	234	74	3.858∗∗∗	3.858∗∗∗	NUM
ajeer-4146	234	75	(	(	PUNCT
ajeer-4146	234	76	0.212	0.212	NUM
ajeer-4146	234	77	)	)	PUNCT
ajeer-4146	234	78	4.092∗∗∗	4.092∗∗∗	NUM
ajeer-4146	234	79	(	(	PUNCT
ajeer-4146	234	80	0.195	0.195	NUM
ajeer-4146	234	81	)	)	PUNCT
ajeer-4146	234	82	-0.596∗∗∗	-0.596∗∗∗	X
ajeer-4146	234	83	(	(	PUNCT
ajeer-4146	234	84	0.110	0.110	NUM
ajeer-4146	234	85	)	)	PUNCT
ajeer-4146	234	86	tertiary	tertiary	ADJ
ajeer-4146	234	87	or	or	CCONJ
ajeer-4146	234	88	higher	high	ADJ
ajeer-4146	234	89	na	na	ADP
ajeer-4146	234	90	na	na	INTJ
ajeer-4146	234	91	-1.181∗∗∗	-1.181∗∗∗	PROPN
ajeer-4146	234	92	(	(	PUNCT
ajeer-4146	234	93	0.301	0.301	NUM
ajeer-4146	234	94	)	)	PUNCT
ajeer-4146	234	95	out	out	ADP
ajeer-4146	234	96	of	of	ADP
ajeer-4146	234	97	workforce	workforce	NOUN
ajeer-4146	234	98	na	na	NOUN
ajeer-4146	234	99	na	na	ADP
ajeer-4146	234	100	0.066	0.066	NUM
ajeer-4146	234	101	(	(	PUNCT
ajeer-4146	234	102	0.121	0.121	NUM
ajeer-4146	234	103	)	)	PUNCT
ajeer-4146	234	104	invmills1	invmills1	ADJ
ajeer-4146	234	105	-0.074	-0.074	X
ajeer-4146	234	106	(	(	PUNCT
ajeer-4146	234	107	0.213	0.213	NUM
ajeer-4146	234	108	)	)	PUNCT
ajeer-4146	234	109	0.245	0.245	NUM
ajeer-4146	234	110	(	(	PUNCT
ajeer-4146	234	111	0.209	0.209	NUM
ajeer-4146	234	112	)	)	PUNCT
ajeer-4146	234	113	0.106	0.106	NUM
ajeer-4146	234	114	(	(	PUNCT
ajeer-4146	234	115	0.197	0.197	NUM
ajeer-4146	234	116	)	)	PUNCT
ajeer-4146	234	117	constant	constant	ADJ
ajeer-4146	234	118	-4.893∗∗∗	-4.893∗∗∗	PROPN
ajeer-4146	234	119	(	(	PUNCT
ajeer-4146	234	120	0.391	0.391	NUM
ajeer-4146	234	121	)	)	PUNCT
ajeer-4146	235	1	-5.465∗∗∗	-5.465∗∗∗	ADV
ajeer-4146	235	2	(	(	PUNCT
ajeer-4146	235	3	0.376	0.376	NUM
ajeer-4146	235	4	)	)	PUNCT
ajeer-4146	235	5	-0.167	-0.167	PUNCT
ajeer-4146	235	6	(	(	PUNCT
ajeer-4146	235	7	0.280	0.280	NUM
ajeer-4146	235	8	)	)	PUNCT
ajeer-4146	235	9	observations	observation	NOUN
ajeer-4146	235	10	1,000	1,000	NUM
ajeer-4146	235	11	1,000	1,000	NUM
ajeer-4146	235	12	990	990	NUM
ajeer-4146	235	13	note	note	NOUN
ajeer-4146	235	14	:	:	PUNCT
ajeer-4146	235	15	∗∗∗	∗∗∗	NUM
ajeer-4146	235	16	and	and	CCONJ
ajeer-4146	235	17	∗∗	∗∗	PROPN
ajeer-4146	235	18	signify	signify	VERB
ajeer-4146	235	19	significance	significance	NOUN
ajeer-4146	235	20	at	at	ADP
ajeer-4146	235	21	the	the	DET
ajeer-4146	235	22	1	1	NUM
ajeer-4146	235	23	%	%	NOUN
ajeer-4146	235	24	and	and	CCONJ
ajeer-4146	235	25	10	10	NUM
ajeer-4146	235	26	%	%	NOUN
ajeer-4146	235	27	levels	level	NOUN
ajeer-4146	235	28	,	,	PUNCT
ajeer-4146	235	29	respectively	respectively	ADV
ajeer-4146	235	30	.	.	PUNCT
ajeer-4146	236	1	standard	standard	ADJ
ajeer-4146	236	2	errors	error	NOUN
ajeer-4146	236	3	are	be	AUX
ajeer-4146	236	4	in	in	ADP
ajeer-4146	236	5	parentheses	parenthesis	NOUN
ajeer-4146	236	6	.	.	PUNCT
ajeer-4146	237	1	dahoun	dahoun	PROPN
ajeer-4146	237	2	et	et	PROPN
ajeer-4146	237	3	al	al	PROPN
ajeer-4146	237	4	.	.	PROPN
ajeer-4146	238	1	(	(	PUNCT
ajeer-4146	238	2	2013	2013	NUM
ajeer-4146	238	3	)	)	PUNCT
ajeer-4146	238	4	assessed	assess	VERB
ajeer-4146	238	5	the	the	DET
ajeer-4146	238	6	impact	impact	NOUN
ajeer-4146	238	7	of	of	ADP
ajeer-4146	238	8	microcredit	microcredit	NOUN
ajeer-4146	238	9	on	on	ADP
ajeer-4146	238	10	the	the	DET
ajeer-4146	238	11	empowerment	empowerment	NOUN
ajeer-4146	238	12	of	of	ADP
ajeer-4146	238	13	poor	poor	ADJ
ajeer-4146	238	14	females	female	NOUN
ajeer-4146	238	15	in	in	ADP
ajeer-4146	238	16	benin	benin	PROPN
ajeer-4146	238	17	.	.	PUNCT
ajeer-4146	239	1	the	the	DET
ajeer-4146	239	2	study	study	NOUN
ajeer-4146	239	3	found	find	VERB
ajeer-4146	239	4	that	that	SCONJ
ajeer-4146	239	5	microcredit	microcredit	NOUN
ajeer-4146	239	6	has	have	VERB
ajeer-4146	239	7	a	a	DET
ajeer-4146	239	8	positive	positive	ADJ
ajeer-4146	239	9	effect	effect	NOUN
ajeer-4146	239	10	on	on	ADP
ajeer-4146	239	11	the	the	DET
ajeer-4146	239	12	empowerment	empowerment	NOUN
ajeer-4146	239	13	of	of	ADP
ajeer-4146	239	14	(	(	PUNCT
ajeer-4146	239	15	mainly	mainly	ADV
ajeer-4146	239	16	poor	poor	ADJ
ajeer-4146	239	17	)	)	PUNCT
ajeer-4146	239	18	female	female	ADJ
ajeer-4146	239	19	household	household	NOUN
ajeer-4146	239	20	heads	head	NOUN
ajeer-4146	239	21	.	.	PUNCT
ajeer-4146	240	1	sylli	sylli	PROPN
ajeer-4146	240	2	(	(	PUNCT
ajeer-4146	240	3	2012	2012	NUM
ajeer-4146	240	4	)	)	PUNCT
ajeer-4146	240	5	showed	show	VERB
ajeer-4146	240	6	that	that	SCONJ
ajeer-4146	240	7	microcredit	microcredit	NOUN
ajeer-4146	240	8	contributes	contribute	VERB
ajeer-4146	240	9	to	to	ADP
ajeer-4146	240	10	the	the	DET
ajeer-4146	240	11	living	living	NOUN
ajeer-4146	240	12	conditions	condition	NOUN
ajeer-4146	240	13	of	of	ADP
ajeer-4146	240	14	the	the	DET
ajeer-4146	240	15	beneficiary	beneficiary	NOUN
ajeer-4146	240	16	and	and	CCONJ
ajeer-4146	240	17	helps	help	VERB
ajeer-4146	240	18	to	to	PART
ajeer-4146	240	19	reduce	reduce	VERB
ajeer-4146	240	20	poverty	poverty	NOUN
ajeer-4146	240	21	with	with	ADP
ajeer-4146	240	22	more	more	ADJ
ajeer-4146	240	23	mediumand	mediumand	NOUN
ajeer-4146	240	24	long	long	ADJ
ajeer-4146	240	25	-	-	PUNCT
ajeer-4146	240	26	term	term	NOUN
ajeer-4146	240	27	credit	credit	NOUN
ajeer-4146	240	28	for	for	ADP
ajeer-4146	240	29	agricultural	agricultural	ADJ
ajeer-4146	240	30	activities	activity	NOUN
ajeer-4146	240	31	.	.	PUNCT
ajeer-4146	241	1	djossou	djossou	VERB
ajeer-4146	241	2	et	et	PROPN
ajeer-4146	241	3	al	al	PROPN
ajeer-4146	241	4	.	.	PUNCT
ajeer-4146	242	1	(	(	PUNCT
ajeer-4146	242	2	2016	2016	NUM
ajeer-4146	242	3	)	)	PUNCT
ajeer-4146	242	4	found	find	VERB
ajeer-4146	242	5	a	a	DET
ajeer-4146	242	6	positive	positive	ADJ
ajeer-4146	242	7	and	and	CCONJ
ajeer-4146	242	8	significant	significant	ADJ
ajeer-4146	242	9	effect	effect	NOUN
ajeer-4146	242	10	of	of	ADP
ajeer-4146	242	11	access	access	NOUN
ajeer-4146	242	12	to	to	ADP
ajeer-4146	242	13	microcredit	microcredit	NOUN
ajeer-4146	242	14	services	service	NOUN
ajeer-4146	242	15	on	on	ADP
ajeer-4146	242	16	poverty	poverty	NOUN
ajeer-4146	242	17	in	in	ADP
ajeer-4146	242	18	benin	benin	PROPN
ajeer-4146	242	19	.	.	PUNCT
ajeer-4146	243	1	the	the	DET
ajeer-4146	243	2	difference	difference	NOUN
ajeer-4146	243	3	between	between	ADP
ajeer-4146	243	4	tables	table	NOUN
ajeer-4146	243	5	5	5	NUM
ajeer-4146	243	6	and	and	CCONJ
ajeer-4146	243	7	6	6	NUM
ajeer-4146	243	8	is	be	AUX
ajeer-4146	243	9	that	that	SCONJ
ajeer-4146	243	10	the	the	DET
ajeer-4146	243	11	results	result	NOUN
ajeer-4146	243	12	of	of	ADP
ajeer-4146	243	13	table	table	NOUN
ajeer-4146	243	14	5	5	NUM
ajeer-4146	243	15	are	be	AUX
ajeer-4146	243	16	biased	bias	VERB
ajeer-4146	243	17	,	,	PUNCT
ajeer-4146	243	18	but	but	CCONJ
ajeer-4146	243	19	the	the	DET
ajeer-4146	243	20	treatment	treatment	NOUN
ajeer-4146	243	21	effect	effect	NOUN
ajeer-4146	243	22	version	version	NOUN
ajeer-4146	243	23	of	of	ADP
ajeer-4146	243	24	heckman	heckman	PROPN
ajeer-4146	243	25	’s	’s	PART
ajeer-4146	243	26	sample	sample	PROPN
ajeer-4146	243	27	selection	selection	NOUN
ajeer-4146	243	28	model	model	NOUN
ajeer-4146	243	29	will	will	AUX
ajeer-4146	243	30	correct	correct	VERB
ajeer-4146	243	31	that	that	PRON
ajeer-4146	243	32	.	.	PUNCT
ajeer-4146	244	1	in	in	ADP
ajeer-4146	244	2	table	table	NOUN
ajeer-4146	244	3	6	6	NUM
ajeer-4146	244	4	,	,	PUNCT
ajeer-4146	244	5	the	the	DET
ajeer-4146	244	6	inverse	inverse	NOUN
ajeer-4146	244	7	mills	mill	NOUN
ajeer-4146	244	8	ratio	ratio	NOUN
ajeer-4146	244	9	coefficient	coefficient	NOUN
ajeer-4146	244	10	is	be	AUX
ajeer-4146	244	11	not	not	PART
ajeer-4146	244	12	statistically	statistically	ADV
ajeer-4146	244	13	significant	significant	ADJ
ajeer-4146	244	14	for	for	ADP
ajeer-4146	244	15	anyone	anyone	PRON
ajeer-4146	244	16	in	in	ADP
ajeer-4146	244	17	the	the	DET
ajeer-4146	244	18	2011	2011	NUM
ajeer-4146	244	19	,	,	PUNCT
ajeer-4146	244	20	2014	2014	NUM
ajeer-4146	244	21	,	,	PUNCT
ajeer-4146	244	22	and	and	CCONJ
ajeer-4146	244	23	2017	2017	NUM
ajeer-4146	244	24	datasets	dataset	NOUN
ajeer-4146	244	25	.	.	PUNCT
ajeer-4146	245	1	following	follow	VERB
ajeer-4146	245	2	imai	imai	PROPN
ajeer-4146	245	3	et	et	PROPN
ajeer-4146	245	4	al	al	PROPN
ajeer-4146	245	5	.	.	PROPN
ajeer-4146	246	1	(	(	PUNCT
ajeer-4146	246	2	2010	2010	NUM
ajeer-4146	246	3	)	)	PUNCT
ajeer-4146	246	4	,	,	PUNCT
ajeer-4146	246	5	this	this	DET
ajeer-4146	246	6	insignificant	insignificant	ADJ
ajeer-4146	246	7	result	result	NOUN
ajeer-4146	246	8	can	can	AUX
ajeer-4146	246	9	be	be	AUX
ajeer-4146	246	10	interpreted	interpret	VERB
ajeer-4146	246	11	as	as	ADP
ajeer-4146	246	12	the	the	DET
ajeer-4146	246	13	absence	absence	NOUN
ajeer-4146	246	14	of	of	ADP
ajeer-4146	246	15	selectivity	selectivity	NOUN
ajeer-4146	246	16	bias	bias	NOUN
ajeer-4146	246	17	from	from	ADP
ajeer-4146	246	18	the	the	DET
ajeer-4146	246	19	regression	regression	NOUN
ajeer-4146	246	20	of	of	ADP
ajeer-4146	246	21	the	the	DET
ajeer-4146	246	22	simple	simple	ADJ
ajeer-4146	246	23	probit	probit	NOUN
ajeer-4146	246	24	model	model	NOUN
ajeer-4146	246	25	.	.	PUNCT
ajeer-4146	247	1	from	from	ADP
ajeer-4146	247	2	these	these	DET
ajeer-4146	247	3	results	result	NOUN
ajeer-4146	247	4	,	,	PUNCT
ajeer-4146	247	5	education	education	NOUN
ajeer-4146	247	6	level	level	NOUN
ajeer-4146	247	7	has	have	VERB
ajeer-4146	247	8	a	a	DET
ajeer-4146	247	9	positive	positive	ADJ
ajeer-4146	247	10	and	and	CCONJ
ajeer-4146	247	11	significant	significant	ADJ
ajeer-4146	247	12	impact	impact	NOUN
ajeer-4146	247	13	on	on	ADP
ajeer-4146	247	14	poverty	poverty	NOUN
ajeer-4146	247	15	.	.	PUNCT
ajeer-4146	248	1	gender	gender	NOUN
ajeer-4146	248	2	,	,	PUNCT
ajeer-4146	248	3	age	age	NOUN
ajeer-4146	248	4	,	,	PUNCT
ajeer-4146	248	5	and	and	CCONJ
ajeer-4146	248	6	workforce	workforce	NOUN
ajeer-4146	248	7	status	status	NOUN
ajeer-4146	248	8	appear	appear	VERB
ajeer-4146	248	9	to	to	PART
ajeer-4146	248	10	have	have	VERB
ajeer-4146	248	11	no	no	DET
ajeer-4146	248	12	significant	significant	ADJ
ajeer-4146	248	13	effect	effect	NOUN
ajeer-4146	248	14	on	on	ADP
ajeer-4146	248	15	poverty	poverty	NOUN
ajeer-4146	248	16	in	in	ADP
ajeer-4146	248	17	benin	benin	PROPN
ajeer-4146	248	18	.	.	PUNCT
ajeer-4146	249	1	the	the	DET
ajeer-4146	249	2	limited	limited	ADJ
ajeer-4146	249	3	number	number	NOUN
ajeer-4146	249	4	of	of	ADP
ajeer-4146	249	5	observations	observation	NOUN
ajeer-4146	249	6	in	in	ADP
ajeer-4146	249	7	this	this	DET
ajeer-4146	249	8	study	study	NOUN
ajeer-4146	249	9	may	may	AUX
ajeer-4146	249	10	be	be	AUX
ajeer-4146	249	11	the	the	DET
ajeer-4146	249	12	main	main	ADJ
ajeer-4146	249	13	reason	reason	NOUN
ajeer-4146	249	14	for	for	ADP
ajeer-4146	249	15	these	these	DET
ajeer-4146	249	16	insignificant	insignificant	ADJ
ajeer-4146	249	17	results	result	NOUN
ajeer-4146	249	18	.	.	PUNCT
ajeer-4146	250	1	figure	figure	VERB
ajeer-4146	250	2	1	1	NUM
ajeer-4146	250	3	.	.	PUNCT
ajeer-4146	251	1	density	density	NOUN
ajeer-4146	251	2	of	of	ADP
ajeer-4146	251	3	the	the	DET
ajeer-4146	251	4	propensity	propensity	NOUN
ajeer-4146	251	5	scores	score	NOUN
ajeer-4146	251	6	before	before	ADV
ajeer-4146	251	7	and	and	CCONJ
ajeer-4146	251	8	after	after	ADP
ajeer-4146	251	9	matching	match	VERB
ajeer-4146	251	10	(	(	PUNCT
ajeer-4146	251	11	2017	2017	NUM
ajeer-4146	251	12	)	)	PUNCT
ajeer-4146	251	13	.	.	PUNCT
ajeer-4146	252	1	asian	asian	ADJ
ajeer-4146	252	2	journal	journal	PROPN
ajeer-4146	252	3	of	of	ADP
ajeer-4146	252	4	economics	economic	NOUN
ajeer-4146	252	5	and	and	CCONJ
ajeer-4146	252	6	empirical	empirical	ADJ
ajeer-4146	252	7	research	research	NOUN
ajeer-4146	252	8	,	,	PUNCT
ajeer-4146	252	9	2022	2022	NUM
ajeer-4146	252	10	,	,	PUNCT
ajeer-4146	252	11	9(2	9(2	NUM
ajeer-4146	252	12	):	):	PUNCT
ajeer-4146	252	13	121	121	NUM
ajeer-4146	252	14	-	-	SYM
ajeer-4146	252	15	131	131	NUM
ajeer-4146	252	16	129	129	NUM
ajeer-4146	252	17	©	©	PROPN
ajeer-4146	252	18	2022	2022	NUM
ajeer-4146	252	19	by	by	ADP
ajeer-4146	252	20	the	the	DET
ajeer-4146	252	21	authors	author	NOUN
ajeer-4146	252	22	;	;	PUNCT
ajeer-4146	252	23	licensee	licensee	PROPN
ajeer-4146	252	24	asian	asian	ADJ
ajeer-4146	252	25	online	online	PROPN
ajeer-4146	252	26	journal	journal	PROPN
ajeer-4146	252	27	publishing	publishing	NOUN
ajeer-4146	252	28	group	group	NOUN
ajeer-4146	252	29	figure	figure	NOUN
ajeer-4146	252	30	2	2	NUM
ajeer-4146	252	31	.	.	PUNCT
ajeer-4146	252	32	density	density	NOUN
ajeer-4146	252	33	of	of	ADP
ajeer-4146	252	34	the	the	DET
ajeer-4146	252	35	propensity	propensity	NOUN
ajeer-4146	252	36	scores	score	NOUN
ajeer-4146	252	37	before	before	ADV
ajeer-4146	252	38	and	and	CCONJ
ajeer-4146	252	39	after	after	ADP
ajeer-4146	252	40	matching	match	VERB
ajeer-4146	252	41	(	(	PUNCT
ajeer-4146	252	42	2014	2014	NUM
ajeer-4146	252	43	)	)	PUNCT
ajeer-4146	252	44	.	.	PUNCT
ajeer-4146	253	1	figure	figure	VERB
ajeer-4146	253	2	3	3	NUM
ajeer-4146	253	3	.	.	PUNCT
ajeer-4146	254	1	density	density	NOUN
ajeer-4146	254	2	of	of	ADP
ajeer-4146	254	3	the	the	DET
ajeer-4146	254	4	propensity	propensity	NOUN
ajeer-4146	254	5	scores	score	NOUN
ajeer-4146	254	6	before	before	ADV
ajeer-4146	254	7	and	and	CCONJ
ajeer-4146	254	8	after	after	ADP
ajeer-4146	254	9	matching	match	VERB
ajeer-4146	254	10	(	(	PUNCT
ajeer-4146	254	11	2011	2011	NUM
ajeer-4146	254	12	)	)	PUNCT
ajeer-4146	254	13	.	.	PUNCT
ajeer-4146	255	1	3.3	3.3	NUM
ajeer-4146	255	2	.	.	PUNCT
ajeer-4146	256	1	robustness	robustness	NOUN
ajeer-4146	256	2	checks	check	VERB
ajeer-4146	256	3	the	the	DET
ajeer-4146	256	4	figures	figure	NOUN
ajeer-4146	256	5	1	1	NUM
ajeer-4146	256	6	,	,	PUNCT
ajeer-4146	256	7	2	2	NUM
ajeer-4146	256	8	,	,	PUNCT
ajeer-4146	256	9	and	and	CCONJ
ajeer-4146	256	10	3	3	NUM
ajeer-4146	256	11	present	present	VERB
ajeer-4146	256	12	the	the	DET
ajeer-4146	256	13	density	density	NOUN
ajeer-4146	256	14	of	of	ADP
ajeer-4146	256	15	the	the	DET
ajeer-4146	256	16	propensity	propensity	NOUN
ajeer-4146	256	17	scores	score	NOUN
ajeer-4146	256	18	before	before	ADV
ajeer-4146	256	19	and	and	CCONJ
ajeer-4146	256	20	after	after	ADP
ajeer-4146	256	21	matching	match	VERB
ajeer-4146	256	22	.	.	PUNCT
ajeer-4146	257	1	from	from	ADP
ajeer-4146	257	2	these	these	DET
ajeer-4146	257	3	figures	figure	NOUN
ajeer-4146	257	4	,	,	PUNCT
ajeer-4146	257	5	the	the	DET
ajeer-4146	257	6	treated	treat	VERB
ajeer-4146	257	7	group	group	NOUN
ajeer-4146	257	8	(	(	PUNCT
ajeer-4146	257	9	financially	financially	ADV
ajeer-4146	257	10	excluded	exclude	VERB
ajeer-4146	257	11	individuals	individual	NOUN
ajeer-4146	257	12	)	)	PUNCT
ajeer-4146	257	13	are	be	AUX
ajeer-4146	257	14	in	in	ADP
ajeer-4146	257	15	the	the	DET
ajeer-4146	257	16	blue	blue	NOUN
ajeer-4146	257	17	,	,	PUNCT
ajeer-4146	257	18	and	and	CCONJ
ajeer-4146	257	19	the	the	DET
ajeer-4146	257	20	untreated	untreated	ADJ
ajeer-4146	257	21	group	group	NOUN
ajeer-4146	257	22	(	(	PUNCT
ajeer-4146	257	23	financial	financial	ADJ
ajeer-4146	257	24	included	include	VERB
ajeer-4146	257	25	)	)	PUNCT
ajeer-4146	257	26	are	be	AUX
ajeer-4146	257	27	in	in	ADP
ajeer-4146	257	28	red	red	ADJ
ajeer-4146	257	29	.	.	PUNCT
ajeer-4146	258	1	the	the	DET
ajeer-4146	258	2	distribution	distribution	NOUN
ajeer-4146	258	3	of	of	ADP
ajeer-4146	258	4	the	the	DET
ajeer-4146	258	5	probability	probability	NOUN
ajeer-4146	258	6	(	(	PUNCT
ajeer-4146	258	7	propensity	propensity	NOUN
ajeer-4146	258	8	score	score	NOUN
ajeer-4146	258	9	)	)	PUNCT
ajeer-4146	258	10	for	for	ADP
ajeer-4146	258	11	2014	2014	NUM
ajeer-4146	258	12	and	and	CCONJ
ajeer-4146	258	13	2017	2017	NUM
ajeer-4146	258	14	can	can	AUX
ajeer-4146	258	15	be	be	AUX
ajeer-4146	258	16	considered	consider	VERB
ajeer-4146	258	17	as	as	ADP
ajeer-4146	258	18	normal	normal	ADJ
ajeer-4146	258	19	distribution	distribution	NOUN
ajeer-4146	258	20	patterns	pattern	NOUN
ajeer-4146	258	21	.	.	PUNCT
ajeer-4146	259	1	these	these	DET
ajeer-4146	259	2	figures	figure	NOUN
ajeer-4146	259	3	also	also	ADV
ajeer-4146	259	4	show	show	VERB
ajeer-4146	259	5	that	that	SCONJ
ajeer-4146	259	6	it	it	PRON
ajeer-4146	259	7	is	be	AUX
ajeer-4146	259	8	easier	easy	ADJ
ajeer-4146	259	9	to	to	PART
ajeer-4146	259	10	find	find	VERB
ajeer-4146	259	11	matches	match	NOUN
ajeer-4146	259	12	(	(	PUNCT
ajeer-4146	259	13	not	not	PART
ajeer-4146	259	14	clear	clear	ADJ
ajeer-4146	259	15	that	that	SCONJ
ajeer-4146	259	16	they	they	PRON
ajeer-4146	259	17	will	will	AUX
ajeer-4146	259	18	be	be	AUX
ajeer-4146	259	19	the	the	DET
ajeer-4146	259	20	best	good	ADJ
ajeer-4146	259	21	matches	match	NOUN
ajeer-4146	259	22	)	)	PUNCT
ajeer-4146	259	23	between	between	ADP
ajeer-4146	259	24	treated	treat	VERB
ajeer-4146	259	25	and	and	CCONJ
ajeer-4146	259	26	untreated	untreated	ADJ
ajeer-4146	259	27	units	unit	NOUN
ajeer-4146	259	28	since	since	SCONJ
ajeer-4146	259	29	there	there	PRON
ajeer-4146	259	30	is	be	VERB
ajeer-4146	259	31	a	a	DET
ajeer-4146	259	32	full	full	ADJ
ajeer-4146	259	33	distribution	distribution	NOUN
ajeer-4146	259	34	of	of	ADP
ajeer-4146	259	35	probability	probability	NOUN
ajeer-4146	259	36	along	along	ADP
ajeer-4146	259	37	with	with	ADP
ajeer-4146	259	38	the	the	DET
ajeer-4146	259	39	common	common	ADJ
ajeer-4146	259	40	support	support	NOUN
ajeer-4146	259	41	.	.	PUNCT
ajeer-4146	260	1	for	for	ADP
ajeer-4146	260	2	2011	2011	NUM
ajeer-4146	260	3	,	,	PUNCT
ajeer-4146	260	4	the	the	DET
ajeer-4146	260	5	trend	trend	NOUN
ajeer-4146	260	6	before	before	ADV
ajeer-4146	260	7	and	and	CCONJ
ajeer-4146	260	8	after	after	ADP
ajeer-4146	260	9	matching	matching	NOUN
ajeer-4146	260	10	is	be	AUX
ajeer-4146	260	11	the	the	DET
ajeer-4146	260	12	same	same	ADJ
ajeer-4146	260	13	,	,	PUNCT
ajeer-4146	260	14	but	but	CCONJ
ajeer-4146	260	15	treated	treat	VERB
ajeer-4146	260	16	and	and	CCONJ
ajeer-4146	260	17	untreated	untreated	ADJ
ajeer-4146	260	18	individuals	individual	NOUN
ajeer-4146	260	19	follow	follow	VERB
ajeer-4146	260	20	different	different	ADJ
ajeer-4146	260	21	patterns	pattern	NOUN
ajeer-4146	260	22	.	.	PUNCT
ajeer-4146	261	1	table	table	NOUN
ajeer-4146	261	2	7	7	NUM
ajeer-4146	261	3	presents	present	VERB
ajeer-4146	261	4	the	the	DET
ajeer-4146	261	5	results	result	NOUN
ajeer-4146	261	6	of	of	ADP
ajeer-4146	261	7	this	this	DET
ajeer-4146	261	8	model	model	NOUN
ajeer-4146	261	9	using	use	VERB
ajeer-4146	261	10	different	different	ADJ
ajeer-4146	261	11	matching	matching	NOUN
ajeer-4146	261	12	algorithms	algorithm	NOUN
ajeer-4146	261	13	:	:	PUNCT
ajeer-4146	261	14	nearest	near	ADJ
ajeer-4146	261	15	neighbor	neighbor	NOUN
ajeer-4146	261	16	,	,	PUNCT
ajeer-4146	261	17	radius	radius	NOUN
ajeer-4146	261	18	,	,	PUNCT
ajeer-4146	261	19	kernel	kernel	NOUN
ajeer-4146	261	20	,	,	PUNCT
ajeer-4146	261	21	and	and	CCONJ
ajeer-4146	261	22	stratification	stratification	NOUN
ajeer-4146	261	23	.	.	PUNCT
ajeer-4146	262	1	the	the	DET
ajeer-4146	262	2	results	result	NOUN
ajeer-4146	262	3	show	show	VERB
ajeer-4146	262	4	that	that	SCONJ
ajeer-4146	262	5	the	the	DET
ajeer-4146	262	6	att	att	PROPN
ajeer-4146	262	7	for	for	ADP
ajeer-4146	262	8	each	each	DET
ajeer-4146	262	9	matching	match	VERB
ajeer-4146	262	10	algorithm	algorithm	NOUN
ajeer-4146	262	11	by	by	ADP
ajeer-4146	262	12	year	year	NOUN
ajeer-4146	262	13	is	be	AUX
ajeer-4146	262	14	approximately	approximately	ADV
ajeer-4146	262	15	the	the	DET
ajeer-4146	262	16	same	same	ADJ
ajeer-4146	262	17	and	and	CCONJ
ajeer-4146	262	18	is	be	AUX
ajeer-4146	262	19	statistically	statistically	ADV
ajeer-4146	262	20	significant	significant	ADJ
ajeer-4146	262	21	at	at	ADP
ajeer-4146	262	22	the	the	DET
ajeer-4146	262	23	1	1	NUM
ajeer-4146	262	24	%	%	NOUN
ajeer-4146	262	25	level	level	NOUN
ajeer-4146	262	26	for	for	ADP
ajeer-4146	262	27	most	most	ADJ
ajeer-4146	262	28	of	of	ADP
ajeer-4146	262	29	them	they	PRON
ajeer-4146	262	30	(	(	PUNCT
ajeer-4146	262	31	financially	financially	ADV
ajeer-4146	262	32	excluded	exclude	VERB
ajeer-4146	262	33	individuals	individual	NOUN
ajeer-4146	262	34	are	be	AUX
ajeer-4146	262	35	more	more	ADV
ajeer-4146	262	36	likely	likely	ADJ
ajeer-4146	262	37	to	to	PART
ajeer-4146	262	38	be	be	AUX
ajeer-4146	262	39	poorer	poor	ADJ
ajeer-4146	262	40	than	than	ADP
ajeer-4146	262	41	their	their	PRON
ajeer-4146	262	42	peers	peer	NOUN
ajeer-4146	262	43	who	who	PRON
ajeer-4146	262	44	are	be	AUX
ajeer-4146	262	45	financially	financially	ADV
ajeer-4146	262	46	included	include	VERB
ajeer-4146	262	47	)	)	PUNCT
ajeer-4146	262	48	.	.	PUNCT
ajeer-4146	263	1	table	table	NOUN
ajeer-4146	263	2	7	7	NUM
ajeer-4146	263	3	.	.	PUNCT
ajeer-4146	263	4	psm	psm	PROPN
ajeer-4146	263	5	model	model	NOUN
ajeer-4146	263	6	results	result	NOUN
ajeer-4146	263	7	with	with	ADP
ajeer-4146	263	8	different	different	ADJ
ajeer-4146	263	9	matching	matching	NOUN
ajeer-4146	263	10	algorithms	algorithm	NOUN
ajeer-4146	263	11	.	.	PUNCT
ajeer-4146	264	1	matching	match	VERB
ajeer-4146	264	2	algorithms	algorithms	NOUN
ajeer-4146	264	3	2011	2011	NUM
ajeer-4146	264	4	2014	2014	NUM
ajeer-4146	264	5	2017	2017	NUM
ajeer-4146	264	6	nearest	near	ADJ
ajeer-4146	264	7	neighbor	neighbor	NOUN
ajeer-4146	264	8	0.167	0.167	NUM
ajeer-4146	264	9	*	*	PUNCT
ajeer-4146	264	10	*	*	PUNCT
ajeer-4146	264	11	*	*	PUNCT
ajeer-4146	264	12	(	(	PUNCT
ajeer-4146	264	13	0.036	0.036	NUM
ajeer-4146	264	14	)	)	PUNCT
ajeer-4146	265	1	[	[	X
ajeer-4146	265	2	2.225	2.225	NUM
ajeer-4146	265	3	]	]	PUNCT
ajeer-4146	265	4	0.080	0.080	NUM
ajeer-4146	265	5	*	*	PUNCT
ajeer-4146	265	6	*	*	PUNCT
ajeer-4146	265	7	(	(	PUNCT
ajeer-4146	265	8	0.015	0.015	NUM
ajeer-4146	265	9	)	)	PUNCT
ajeer-4146	266	1	[	[	X
ajeer-4146	266	2	11.001	11.001	NUM
ajeer-4146	266	3	]	]	X
ajeer-4146	266	4	0.054	0.054	NUM
ajeer-4146	266	5	(	(	PUNCT
ajeer-4146	266	6	0.035	0.035	NUM
ajeer-4146	266	7	)	)	PUNCT
ajeer-4146	267	1	[	[	X
ajeer-4146	267	2	1.552	1.552	NUM
ajeer-4146	267	3	]	]	PUNCT
ajeer-4146	267	4	radius	radius	NOUN
ajeer-4146	267	5	0.136	0.136	NUM
ajeer-4146	267	6	*	*	PUNCT
ajeer-4146	267	7	*	*	PUNCT
ajeer-4146	267	8	*	*	PUNCT
ajeer-4146	267	9	(	(	PUNCT
ajeer-4146	267	10	0.022	0.022	NUM
ajeer-4146	267	11	)	)	PUNCT
ajeer-4146	268	1	[	[	X
ajeer-4146	268	2	6.310	6.310	NUM
ajeer-4146	268	3	]	]	PUNCT
ajeer-4146	268	4	0.145	0.145	NUM
ajeer-4146	268	5	*	*	PUNCT
ajeer-4146	268	6	*	*	PUNCT
ajeer-4146	268	7	*	*	PUNCT
ajeer-4146	268	8	(	(	PUNCT
ajeer-4146	268	9	0.017	0.017	NUM
ajeer-4146	268	10	)	)	PUNCT
ajeer-4146	269	1	[	[	X
ajeer-4146	269	2	8.503	8.503	NUM
ajeer-4146	269	3	]	]	PUNCT
ajeer-4146	269	4	0.056	0.056	NUM
ajeer-4146	269	5	*	*	NOUN
ajeer-4146	269	6	*	*	PUNCT
ajeer-4146	269	7	*	*	PUNCT
ajeer-4146	269	8	(	(	PUNCT
ajeer-4146	269	9	0.025	0.025	NUM
ajeer-4146	269	10	)	)	PUNCT
ajeer-4146	270	1	[	[	X
ajeer-4146	270	2	2.292	2.292	NUM
ajeer-4146	270	3	]	]	PUNCT
ajeer-4146	270	4	kernel	kernel	NOUN
ajeer-4146	270	5	0.128	0.128	NUM
ajeer-4146	270	6	*	*	PUNCT
ajeer-4146	270	7	*	*	PUNCT
ajeer-4146	270	8	*	*	PUNCT
ajeer-4146	270	9	(	(	PUNCT
ajeer-4146	270	10	0.025	0.025	NUM
ajeer-4146	270	11	)	)	PUNCT
ajeer-4146	271	1	[	[	X
ajeer-4146	271	2	5.075	5.075	NUM
ajeer-4146	271	3	]	]	PUNCT
ajeer-4146	271	4	0.164	0.164	NUM
ajeer-4146	271	5	*	*	PUNCT
ajeer-4146	271	6	*	*	PUNCT
ajeer-4146	271	7	*	*	PUNCT
ajeer-4146	271	8	(	(	PUNCT
ajeer-4146	271	9	0.015	0.015	NUM
ajeer-4146	271	10	)	)	PUNCT
ajeer-4146	272	1	[	[	X
ajeer-4146	272	2	10.683	10.683	NUM
ajeer-4146	272	3	]	]	PUNCT
ajeer-4146	272	4	0.048	0.048	NUM
ajeer-4146	272	5	*	*	SYM
ajeer-4146	272	6	(	(	PUNCT
ajeer-4146	272	7	0.27	0.27	NUM
ajeer-4146	272	8	)	)	PUNCT
ajeer-4146	273	1	[	[	X
ajeer-4146	273	2	1.786	1.786	NUM
ajeer-4146	273	3	]	]	PUNCT
ajeer-4146	273	4	stratification	stratification	NOUN
ajeer-4146	273	5	0.132	0.132	NUM
ajeer-4146	273	6	*	*	PUNCT
ajeer-4146	273	7	*	*	PUNCT
ajeer-4146	273	8	*	*	X
ajeer-4146	273	9	0.023	0.023	NUM
ajeer-4146	273	10	5.729	5.729	NUM
ajeer-4146	273	11	0.165	0.165	NUM
ajeer-4146	273	12	*	*	PUNCT
ajeer-4146	273	13	*	*	PUNCT
ajeer-4146	273	14	*	*	PUNCT
ajeer-4146	273	15	0.014	0.014	NUM
ajeer-4146	273	16	11.989	11.989	NUM
ajeer-4146	273	17	0.050	0.050	NUM
ajeer-4146	273	18	0.027	0.027	NUM
ajeer-4146	273	19	1.847	1.847	NUM
ajeer-4146	273	20	observations	observation	NOUN
ajeer-4146	273	21	1,000	1,000	NUM
ajeer-4146	273	22	1,000	1,000	NUM
ajeer-4146	273	23	1,000	1,000	NUM
ajeer-4146	273	24	note	note	NOUN
ajeer-4146	273	25	:	:	PUNCT
ajeer-4146	273	26	bootstrapped	bootstrappe	VERB
ajeer-4146	273	27	standard	standard	ADJ
ajeer-4146	273	28	errors	error	NOUN
ajeer-4146	273	29	are	be	AUX
ajeer-4146	273	30	in	in	ADP
ajeer-4146	273	31	parentheses	parenthesis	NOUN
ajeer-4146	273	32	and	and	CCONJ
ajeer-4146	273	33	p	p	NOUN
ajeer-4146	273	34	-	-	PUNCT
ajeer-4146	273	35	values	value	NOUN
ajeer-4146	273	36	are	be	AUX
ajeer-4146	273	37	in	in	ADP
ajeer-4146	273	38	square	square	ADJ
ajeer-4146	273	39	brackets	bracket	NOUN
ajeer-4146	273	40	.	.	PUNCT
ajeer-4146	274	1	∗	∗	NOUN
ajeer-4146	274	2	,	,	PUNCT
ajeer-4146	274	3	∗∗	∗∗	PROPN
ajeer-4146	274	4	and	and	CCONJ
ajeer-4146	274	5	∗∗∗	∗∗∗	ADV
ajeer-4146	274	6	signify	signify	VERB
ajeer-4146	274	7	significance	significance	NOUN
ajeer-4146	274	8	at	at	ADP
ajeer-4146	274	9	the	the	DET
ajeer-4146	274	10	1	1	NUM
ajeer-4146	274	11	%	%	NOUN
ajeer-4146	274	12	,	,	PUNCT
ajeer-4146	274	13	5	5	NUM
ajeer-4146	274	14	%	%	NOUN
ajeer-4146	274	15	and	and	CCONJ
ajeer-4146	274	16	10	10	NUM
ajeer-4146	274	17	%	%	NOUN
ajeer-4146	274	18	levels	level	NOUN
ajeer-4146	274	19	,	,	PUNCT
ajeer-4146	274	20	respectively	respectively	ADV
ajeer-4146	274	21	.	.	PUNCT
ajeer-4146	275	1	asian	asian	ADJ
ajeer-4146	275	2	journal	journal	PROPN
ajeer-4146	275	3	of	of	ADP
ajeer-4146	275	4	economics	economic	NOUN
ajeer-4146	275	5	and	and	CCONJ
ajeer-4146	275	6	empirical	empirical	ADJ
ajeer-4146	275	7	research	research	NOUN
ajeer-4146	275	8	,	,	PUNCT
ajeer-4146	275	9	2022	2022	NUM
ajeer-4146	275	10	,	,	PUNCT
ajeer-4146	275	11	9(2	9(2	NUM
ajeer-4146	275	12	):	):	PUNCT
ajeer-4146	275	13	121	121	NUM
ajeer-4146	275	14	-	-	SYM
ajeer-4146	275	15	131	131	NUM
ajeer-4146	275	16	130	130	NUM
ajeer-4146	275	17	©	©	PROPN
ajeer-4146	275	18	2022	2022	NUM
ajeer-4146	275	19	by	by	ADP
ajeer-4146	275	20	the	the	DET
ajeer-4146	275	21	authors	author	NOUN
ajeer-4146	275	22	;	;	PUNCT
ajeer-4146	275	23	licensee	licensee	PROPN
ajeer-4146	275	24	asian	asian	ADJ
ajeer-4146	275	25	online	online	PROPN
ajeer-4146	275	26	journal	journal	PROPN
ajeer-4146	275	27	publishing	publishing	NOUN
ajeer-4146	275	28	group	group	NOUN
ajeer-4146	275	29	for	for	ADP
ajeer-4146	275	30	the	the	DET
ajeer-4146	275	31	nearest	near	ADJ
ajeer-4146	275	32	neighbor	neighbor	NOUN
ajeer-4146	275	33	matching	matching	NOUN
ajeer-4146	275	34	algorithm	algorithm	PROPN
ajeer-4146	275	35	,	,	PUNCT
ajeer-4146	275	36	financially	financially	ADV
ajeer-4146	275	37	excluded	exclude	VERB
ajeer-4146	275	38	individuals	individual	NOUN
ajeer-4146	275	39	are	be	AUX
ajeer-4146	275	40	8	8	NUM
ajeer-4146	275	41	%	%	NOUN
ajeer-4146	275	42	and	and	CCONJ
ajeer-4146	275	43	16.7	16.7	NUM
ajeer-4146	275	44	%	%	NOUN
ajeer-4146	275	45	more	more	ADV
ajeer-4146	275	46	likely	likely	ADJ
ajeer-4146	275	47	to	to	PART
ajeer-4146	275	48	be	be	AUX
ajeer-4146	275	49	poor	poor	ADJ
ajeer-4146	275	50	than	than	ADP
ajeer-4146	275	51	financially	financially	ADV
ajeer-4146	275	52	included	include	VERB
ajeer-4146	275	53	individuals	individual	NOUN
ajeer-4146	275	54	in	in	ADP
ajeer-4146	275	55	2014	2014	NUM
ajeer-4146	275	56	and	and	CCONJ
ajeer-4146	275	57	2011	2011	NUM
ajeer-4146	275	58	,	,	PUNCT
ajeer-4146	275	59	respectively	respectively	ADV
ajeer-4146	275	60	.	.	PUNCT
ajeer-4146	276	1	the	the	DET
ajeer-4146	276	2	radius	radius	NOUN
ajeer-4146	276	3	matching	matching	NOUN
ajeer-4146	276	4	algorithm	algorithm	NOUN
ajeer-4146	276	5	shows	show	VERB
ajeer-4146	276	6	that	that	SCONJ
ajeer-4146	276	7	financially	financially	ADV
ajeer-4146	276	8	excluded	exclude	VERB
ajeer-4146	276	9	individuals	individual	NOUN
ajeer-4146	276	10	are	be	AUX
ajeer-4146	276	11	13.6	13.6	NUM
ajeer-4146	276	12	%	%	NOUN
ajeer-4146	276	13	,	,	PUNCT
ajeer-4146	276	14	14.5	14.5	NUM
ajeer-4146	276	15	%	%	NOUN
ajeer-4146	276	16	,	,	PUNCT
ajeer-4146	276	17	and	and	CCONJ
ajeer-4146	276	18	5.6	5.6	NUM
ajeer-4146	276	19	%	%	NOUN
ajeer-4146	276	20	more	more	ADV
ajeer-4146	276	21	likely	likely	ADJ
ajeer-4146	276	22	to	to	PART
ajeer-4146	276	23	be	be	AUX
ajeer-4146	276	24	poorer	poor	ADJ
ajeer-4146	276	25	than	than	ADP
ajeer-4146	276	26	financially	financially	ADV
ajeer-4146	276	27	included	include	VERB
ajeer-4146	276	28	individuals	individual	NOUN
ajeer-4146	276	29	,	,	PUNCT
ajeer-4146	276	30	respectively	respectively	ADV
ajeer-4146	276	31	,	,	PUNCT
ajeer-4146	276	32	in	in	ADP
ajeer-4146	276	33	2011	2011	NUM
ajeer-4146	276	34	,	,	PUNCT
ajeer-4146	276	35	2014	2014	NUM
ajeer-4146	276	36	,	,	PUNCT
ajeer-4146	276	37	and	and	CCONJ
ajeer-4146	276	38	2017	2017	NUM
ajeer-4146	276	39	.	.	PUNCT
ajeer-4146	277	1	these	these	DET
ajeer-4146	277	2	results	result	NOUN
ajeer-4146	277	3	are	be	AUX
ajeer-4146	277	4	statistically	statistically	ADV
ajeer-4146	277	5	significant	significant	ADJ
ajeer-4146	277	6	at	at	ADP
ajeer-4146	277	7	the	the	DET
ajeer-4146	277	8	1	1	NUM
ajeer-4146	277	9	%	%	NOUN
ajeer-4146	277	10	level	level	NOUN
ajeer-4146	277	11	.	.	PUNCT
ajeer-4146	278	1	for	for	ADP
ajeer-4146	278	2	the	the	DET
ajeer-4146	278	3	kernel	kernel	PROPN
ajeer-4146	278	4	and	and	CCONJ
ajeer-4146	278	5	stratification	stratification	NOUN
ajeer-4146	278	6	matching	matching	NOUN
ajeer-4146	278	7	algorithms	algorithm	NOUN
ajeer-4146	278	8	,	,	PUNCT
ajeer-4146	278	9	financially	financially	ADV
ajeer-4146	278	10	excluded	exclude	VERB
ajeer-4146	278	11	individuals	individual	NOUN
ajeer-4146	278	12	are	be	AUX
ajeer-4146	278	13	respectively	respectively	ADV
ajeer-4146	278	14	4.8	4.8	NUM
ajeer-4146	278	15	%	%	NOUN
ajeer-4146	278	16	and	and	CCONJ
ajeer-4146	278	17	5	5	NUM
ajeer-4146	278	18	%	%	NOUN
ajeer-4146	278	19	more	more	ADV
ajeer-4146	278	20	likely	likely	ADJ
ajeer-4146	278	21	to	to	PART
ajeer-4146	278	22	be	be	AUX
ajeer-4146	278	23	poorer	poor	ADJ
ajeer-4146	278	24	than	than	ADP
ajeer-4146	278	25	their	their	PRON
ajeer-4146	278	26	peers	peer	NOUN
ajeer-4146	278	27	in	in	ADP
ajeer-4146	278	28	2017	2017	NUM
ajeer-4146	278	29	;	;	PUNCT
ajeer-4146	278	30	12.8	12.8	NUM
ajeer-4146	278	31	%	%	NOUN
ajeer-4146	278	32	and	and	CCONJ
ajeer-4146	278	33	13.2	13.2	NUM
ajeer-4146	278	34	%	%	NOUN
ajeer-4146	278	35	are	be	AUX
ajeer-4146	278	36	more	more	ADV
ajeer-4146	278	37	likely	likely	ADJ
ajeer-4146	278	38	to	to	PART
ajeer-4146	278	39	be	be	AUX
ajeer-4146	278	40	poorer	poor	ADJ
ajeer-4146	278	41	than	than	ADP
ajeer-4146	278	42	financially	financially	ADV
ajeer-4146	278	43	included	include	VERB
ajeer-4146	278	44	individuals	individual	NOUN
ajeer-4146	278	45	in	in	ADP
ajeer-4146	278	46	2014	2014	NUM
ajeer-4146	278	47	;	;	PUNCT
ajeer-4146	278	48	and	and	CCONJ
ajeer-4146	278	49	16.4	16.4	NUM
ajeer-4146	278	50	%	%	NOUN
ajeer-4146	278	51	and	and	CCONJ
ajeer-4146	278	52	16.5	16.5	NUM
ajeer-4146	278	53	%	%	NOUN
ajeer-4146	278	54	are	be	AUX
ajeer-4146	278	55	more	more	ADV
ajeer-4146	278	56	likely	likely	ADJ
ajeer-4146	278	57	to	to	PART
ajeer-4146	278	58	be	be	AUX
ajeer-4146	278	59	poorer	poor	ADJ
ajeer-4146	278	60	than	than	ADP
ajeer-4146	278	61	non	non	ADJ
ajeer-4146	278	62	-	-	ADJ
ajeer-4146	278	63	financially	financially	ADV
ajeer-4146	278	64	excluded	exclude	VERB
ajeer-4146	278	65	individuals	individual	NOUN
ajeer-4146	278	66	in	in	ADP
ajeer-4146	278	67	2011	2011	NUM
ajeer-4146	278	68	.	.	PUNCT
ajeer-4146	279	1	4	4	X
ajeer-4146	279	2	.	.	X
ajeer-4146	279	3	conclusion	conclusion	NOUN
ajeer-4146	279	4	this	this	DET
ajeer-4146	279	5	study	study	NOUN
ajeer-4146	279	6	contributes	contribute	VERB
ajeer-4146	279	7	to	to	ADP
ajeer-4146	279	8	the	the	DET
ajeer-4146	279	9	growing	grow	VERB
ajeer-4146	279	10	literature	literature	NOUN
ajeer-4146	279	11	on	on	ADP
ajeer-4146	279	12	the	the	DET
ajeer-4146	279	13	impact	impact	NOUN
ajeer-4146	279	14	of	of	ADP
ajeer-4146	279	15	financial	financial	ADJ
ajeer-4146	279	16	inclusion	inclusion	NOUN
ajeer-4146	279	17	on	on	ADP
ajeer-4146	279	18	poverty	poverty	NOUN
ajeer-4146	279	19	reduction	reduction	NOUN
ajeer-4146	279	20	by	by	ADP
ajeer-4146	279	21	exploring	explore	VERB
ajeer-4146	279	22	determinants	determinant	NOUN
ajeer-4146	279	23	of	of	ADP
ajeer-4146	279	24	multidimensional	multidimensional	ADJ
ajeer-4146	279	25	financial	financial	ADJ
ajeer-4146	279	26	inclusion	inclusion	NOUN
ajeer-4146	279	27	(	(	PUNCT
ajeer-4146	279	28	account	account	NOUN
ajeer-4146	279	29	ownership	ownership	NOUN
ajeer-4146	279	30	,	,	PUNCT
ajeer-4146	279	31	credit	credit	NOUN
ajeer-4146	279	32	access	access	NOUN
ajeer-4146	279	33	,	,	PUNCT
ajeer-4146	279	34	savings	saving	NOUN
ajeer-4146	279	35	,	,	PUNCT
ajeer-4146	279	36	financial	financial	ADJ
ajeer-4146	279	37	resilience	resilience	NOUN
ajeer-4146	279	38	,	,	PUNCT
ajeer-4146	279	39	financial	financial	ADJ
ajeer-4146	279	40	account	account	NOUN
ajeer-4146	279	41	use	use	NOUN
ajeer-4146	279	42	,	,	PUNCT
ajeer-4146	279	43	and	and	CCONJ
ajeer-4146	279	44	online	online	ADJ
ajeer-4146	279	45	transactions	transaction	NOUN
ajeer-4146	279	46	)	)	PUNCT
ajeer-4146	279	47	and	and	CCONJ
ajeer-4146	279	48	by	by	ADP
ajeer-4146	279	49	examining	examine	VERB
ajeer-4146	279	50	the	the	DET
ajeer-4146	279	51	potential	potential	ADJ
ajeer-4146	279	52	impact	impact	NOUN
ajeer-4146	279	53	of	of	ADP
ajeer-4146	279	54	financial	financial	ADJ
ajeer-4146	279	55	inclusion	inclusion	NOUN
ajeer-4146	279	56	on	on	ADP
ajeer-4146	279	57	poverty	poverty	NOUN
ajeer-4146	279	58	with	with	ADP
ajeer-4146	279	59	specific	specific	ADJ
ajeer-4146	279	60	reference	reference	NOUN
ajeer-4146	279	61	to	to	ADP
ajeer-4146	279	62	benin	benin	PROPN
ajeer-4146	279	63	using	use	VERB
ajeer-4146	279	64	three	three	NUM
ajeer-4146	279	65	rounds	round	NOUN
ajeer-4146	279	66	of	of	ADP
ajeer-4146	279	67	data	datum	NOUN
ajeer-4146	279	68	(	(	PUNCT
ajeer-4146	279	69	2011	2011	NUM
ajeer-4146	279	70	,	,	PUNCT
ajeer-4146	279	71	2014	2014	NUM
ajeer-4146	279	72	and	and	CCONJ
ajeer-4146	279	73	2017	2017	NUM
ajeer-4146	279	74	)	)	PUNCT
ajeer-4146	279	75	from	from	ADP
ajeer-4146	279	76	the	the	DET
ajeer-4146	279	77	world	world	PROPN
ajeer-4146	279	78	bank	bank	PROPN
ajeer-4146	279	79	’s	’s	PART
ajeer-4146	279	80	microdata	microdata	NOUN
ajeer-4146	279	81	from	from	ADP
ajeer-4146	279	82	the	the	DET
ajeer-4146	279	83	benin	benin	PROPN
ajeer-4146	279	84	global	global	PROPN
ajeer-4146	279	85	financial	financial	PROPN
ajeer-4146	279	86	inclusion	inclusion	NOUN
ajeer-4146	279	87	index	index	NOUN
ajeer-4146	279	88	survey	survey	NOUN
ajeer-4146	279	89	.	.	PUNCT
ajeer-4146	280	1	first	first	ADV
ajeer-4146	280	2	,	,	PUNCT
ajeer-4146	280	3	the	the	DET
ajeer-4146	280	4	study	study	NOUN
ajeer-4146	280	5	employed	employ	VERB
ajeer-4146	280	6	the	the	DET
ajeer-4146	280	7	probit	probit	NOUN
ajeer-4146	280	8	model	model	NOUN
ajeer-4146	280	9	to	to	PART
ajeer-4146	280	10	assess	assess	VERB
ajeer-4146	280	11	determinants	determinant	NOUN
ajeer-4146	280	12	of	of	ADP
ajeer-4146	280	13	financial	financial	ADJ
ajeer-4146	280	14	exclusion	exclusion	NOUN
ajeer-4146	280	15	and	and	CCONJ
ajeer-4146	280	16	found	find	VERB
ajeer-4146	280	17	,	,	PUNCT
ajeer-4146	280	18	on	on	ADP
ajeer-4146	280	19	the	the	DET
ajeer-4146	280	20	one	one	NUM
ajeer-4146	280	21	hand	hand	NOUN
ajeer-4146	280	22	,	,	PUNCT
ajeer-4146	280	23	a	a	DET
ajeer-4146	280	24	positive	positive	ADJ
ajeer-4146	280	25	and	and	CCONJ
ajeer-4146	280	26	significant	significant	ADJ
ajeer-4146	280	27	relationship	relationship	NOUN
ajeer-4146	280	28	between	between	ADP
ajeer-4146	280	29	lack	lack	NOUN
ajeer-4146	280	30	of	of	ADP
ajeer-4146	280	31	documentation	documentation	NOUN
ajeer-4146	280	32	,	,	PUNCT
ajeer-4146	280	33	expensive	expensive	ADJ
ajeer-4146	280	34	financial	financial	ADJ
ajeer-4146	280	35	services	service	NOUN
ajeer-4146	280	36	,	,	PUNCT
ajeer-4146	280	37	being	be	AUX
ajeer-4146	280	38	far	far	ADV
ajeer-4146	280	39	away	away	ADV
ajeer-4146	280	40	from	from	ADP
ajeer-4146	280	41	financial	financial	ADJ
ajeer-4146	280	42	institutions	institution	NOUN
ajeer-4146	280	43	,	,	PUNCT
ajeer-4146	280	44	religion	religion	NOUN
ajeer-4146	280	45	,	,	PUNCT
ajeer-4146	280	46	lack	lack	NOUN
ajeer-4146	280	47	of	of	ADP
ajeer-4146	280	48	trust	trust	NOUN
ajeer-4146	280	49	in	in	ADP
ajeer-4146	280	50	financial	financial	ADJ
ajeer-4146	280	51	institutions	institution	NOUN
ajeer-4146	280	52	,	,	PUNCT
ajeer-4146	280	53	and	and	CCONJ
ajeer-4146	280	54	financial	financial	ADJ
ajeer-4146	280	55	exclusion	exclusion	NOUN
ajeer-4146	280	56	,	,	PUNCT
ajeer-4146	280	57	and	and	CCONJ
ajeer-4146	280	58	on	on	ADP
ajeer-4146	280	59	the	the	DET
ajeer-4146	280	60	other	other	ADJ
ajeer-4146	280	61	hand	hand	NOUN
ajeer-4146	280	62	,	,	PUNCT
ajeer-4146	280	63	a	a	DET
ajeer-4146	280	64	significant	significant	ADJ
ajeer-4146	280	65	relationship	relationship	NOUN
ajeer-4146	280	66	was	be	AUX
ajeer-4146	280	67	found	find	VERB
ajeer-4146	280	68	between	between	ADP
ajeer-4146	280	69	individual	individual	ADJ
ajeer-4146	280	70	characteristics	characteristic	NOUN
ajeer-4146	280	71	(	(	PUNCT
ajeer-4146	280	72	such	such	ADJ
ajeer-4146	280	73	as	as	ADP
ajeer-4146	280	74	gender	gender	NOUN
ajeer-4146	280	75	,	,	PUNCT
ajeer-4146	280	76	age	age	NOUN
ajeer-4146	280	77	,	,	PUNCT
ajeer-4146	280	78	education	education	NOUN
ajeer-4146	280	79	,	,	PUNCT
ajeer-4146	280	80	and	and	CCONJ
ajeer-4146	280	81	workforce	workforce	NOUN
ajeer-4146	280	82	level	level	NOUN
ajeer-4146	280	83	/	/	SYM
ajeer-4146	280	84	status	status	NOUN
ajeer-4146	280	85	)	)	PUNCT
ajeer-4146	280	86	and	and	CCONJ
ajeer-4146	280	87	financial	financial	ADJ
ajeer-4146	280	88	exclusion	exclusion	NOUN
ajeer-4146	280	89	.	.	PUNCT
ajeer-4146	281	1	second	second	ADJ
ajeer-4146	281	2	,	,	PUNCT
ajeer-4146	281	3	the	the	DET
ajeer-4146	281	4	treatment	treatment	NOUN
ajeer-4146	281	5	effects	effect	NOUN
ajeer-4146	281	6	version	version	NOUN
ajeer-4146	281	7	of	of	ADP
ajeer-4146	281	8	heckman	heckman	PROPN
ajeer-4146	281	9	’s	’s	PART
ajeer-4146	281	10	sample	sample	PROPN
ajeer-4146	281	11	selection	selection	NOUN
ajeer-4146	281	12	model	model	NOUN
ajeer-4146	281	13	(	(	PUNCT
ajeer-4146	281	14	heckman	heckman	PROPN
ajeer-4146	281	15	,	,	PUNCT
ajeer-4146	281	16	1979	1979	NUM
ajeer-4146	281	17	)	)	PUNCT
ajeer-4146	281	18	was	be	AUX
ajeer-4146	281	19	used	use	VERB
ajeer-4146	281	20	to	to	PART
ajeer-4146	281	21	address	address	VERB
ajeer-4146	281	22	the	the	DET
ajeer-4146	281	23	issue	issue	NOUN
ajeer-4146	281	24	of	of	ADP
ajeer-4146	281	25	endogeneity	endogeneity	NOUN
ajeer-4146	281	26	and	and	CCONJ
ajeer-4146	281	27	selection	selection	NOUN
ajeer-4146	281	28	problems	problem	NOUN
ajeer-4146	281	29	related	relate	VERB
ajeer-4146	281	30	to	to	ADP
ajeer-4146	281	31	financial	financial	ADJ
ajeer-4146	281	32	exclusion	exclusion	NOUN
ajeer-4146	281	33	and	and	CCONJ
ajeer-4146	281	34	shows	show	VERB
ajeer-4146	281	35	that	that	SCONJ
ajeer-4146	281	36	financial	financial	ADJ
ajeer-4146	281	37	exclusion	exclusion	NOUN
ajeer-4146	281	38	in	in	ADP
ajeer-4146	281	39	benin	benin	PROPN
ajeer-4146	281	40	has	have	VERB
ajeer-4146	281	41	a	a	DET
ajeer-4146	281	42	positive	positive	ADJ
ajeer-4146	281	43	and	and	CCONJ
ajeer-4146	281	44	significant	significant	ADJ
ajeer-4146	281	45	effect	effect	NOUN
ajeer-4146	281	46	on	on	ADP
ajeer-4146	281	47	poverty	poverty	NOUN
ajeer-4146	281	48	.	.	PUNCT
ajeer-4146	282	1	in	in	ADP
ajeer-4146	282	2	the	the	DET
ajeer-4146	282	3	robustness	robustness	NOUN
ajeer-4146	282	4	check	check	NOUN
ajeer-4146	282	5	,	,	PUNCT
ajeer-4146	282	6	the	the	DET
ajeer-4146	282	7	study	study	NOUN
ajeer-4146	282	8	employed	employ	VERB
ajeer-4146	282	9	the	the	DET
ajeer-4146	282	10	propensity	propensity	NOUN
ajeer-4146	282	11	score	score	NOUN
ajeer-4146	282	12	matching	matching	NOUN
ajeer-4146	282	13	(	(	PUNCT
ajeer-4146	282	14	psm	psm	NOUN
ajeer-4146	282	15	)	)	PUNCT
ajeer-4146	282	16	estimation	estimation	NOUN
ajeer-4146	282	17	technique	technique	NOUN
ajeer-4146	282	18	,	,	PUNCT
ajeer-4146	282	19	and	and	CCONJ
ajeer-4146	282	20	the	the	DET
ajeer-4146	282	21	outputs	output	NOUN
ajeer-4146	282	22	of	of	ADP
ajeer-4146	282	23	this	this	DET
ajeer-4146	282	24	model	model	NOUN
ajeer-4146	282	25	confirm	confirm	VERB
ajeer-4146	282	26	the	the	DET
ajeer-4146	282	27	results	result	NOUN
ajeer-4146	282	28	.	.	PUNCT
ajeer-4146	283	1	the	the	DET
ajeer-4146	283	2	estimation	estimation	NOUN
ajeer-4146	283	3	of	of	ADP
ajeer-4146	283	4	the	the	DET
ajeer-4146	283	5	potential	potential	ADJ
ajeer-4146	283	6	impact	impact	NOUN
ajeer-4146	283	7	of	of	ADP
ajeer-4146	283	8	financial	financial	ADJ
ajeer-4146	283	9	exclusion	exclusion	NOUN
ajeer-4146	283	10	on	on	ADP
ajeer-4146	283	11	poverty	poverty	NOUN
ajeer-4146	283	12	measured	measure	VERB
ajeer-4146	283	13	by	by	ADP
ajeer-4146	283	14	the	the	DET
ajeer-4146	283	15	first	first	ADJ
ajeer-4146	283	16	and	and	CCONJ
ajeer-4146	283	17	second	second	ADJ
ajeer-4146	283	18	20	20	NUM
ajeer-4146	283	19	%	%	NOUN
ajeer-4146	283	20	poorest	poor	ADJ
ajeer-4146	283	21	individuals	individual	NOUN
ajeer-4146	283	22	in	in	ADP
ajeer-4146	283	23	benin	benin	PROPN
ajeer-4146	283	24	shows	show	VERB
ajeer-4146	283	25	that	that	SCONJ
ajeer-4146	283	26	financially	financially	ADV
ajeer-4146	283	27	excluded	exclude	VERB
ajeer-4146	283	28	individuals	individual	NOUN
ajeer-4146	283	29	are	be	AUX
ajeer-4146	283	30	more	more	ADV
ajeer-4146	283	31	likely	likely	ADJ
ajeer-4146	283	32	to	to	PART
ajeer-4146	283	33	be	be	AUX
ajeer-4146	283	34	poorer	poor	ADJ
ajeer-4146	283	35	than	than	ADP
ajeer-4146	283	36	financially	financially	ADV
ajeer-4146	283	37	included	include	VERB
ajeer-4146	283	38	individuals	individual	NOUN
ajeer-4146	283	39	.	.	PUNCT
ajeer-4146	284	1	an	an	DET
ajeer-4146	284	2	implication	implication	NOUN
ajeer-4146	284	3	of	of	ADP
ajeer-4146	284	4	this	this	PRON
ajeer-4146	284	5	is	be	AUX
ajeer-4146	284	6	that	that	SCONJ
ajeer-4146	284	7	policymakers	policymaker	NOUN
ajeer-4146	284	8	and	and	CCONJ
ajeer-4146	284	9	governments	government	NOUN
ajeer-4146	284	10	should	should	AUX
ajeer-4146	284	11	implement	implement	VERB
ajeer-4146	284	12	policies	policy	NOUN
ajeer-4146	284	13	that	that	PRON
ajeer-4146	284	14	will	will	AUX
ajeer-4146	284	15	promote	promote	VERB
ajeer-4146	284	16	financial	financial	ADJ
ajeer-4146	284	17	services	service	NOUN
ajeer-4146	284	18	development	development	NOUN
ajeer-4146	284	19	while	while	SCONJ
ajeer-4146	284	20	focusing	focus	VERB
ajeer-4146	284	21	on	on	ADP
ajeer-4146	284	22	reducing	reduce	VERB
ajeer-4146	284	23	the	the	DET
ajeer-4146	284	24	poverty	poverty	NOUN
ajeer-4146	284	25	rate	rate	NOUN
ajeer-4146	284	26	.	.	PUNCT
ajeer-4146	285	1	to	to	PART
ajeer-4146	285	2	further	far	ADV
ajeer-4146	285	3	reduce	reduce	VERB
ajeer-4146	285	4	income	income	NOUN
ajeer-4146	285	5	inequality	inequality	NOUN
ajeer-4146	285	6	,	,	PUNCT
ajeer-4146	285	7	more	more	ADJ
ajeer-4146	285	8	measures	measure	NOUN
ajeer-4146	285	9	must	must	AUX
ajeer-4146	285	10	be	be	AUX
ajeer-4146	285	11	taken	take	VERB
ajeer-4146	285	12	to	to	PART
ajeer-4146	285	13	address	address	VERB
ajeer-4146	285	14	the	the	DET
ajeer-4146	285	15	financial	financial	ADJ
ajeer-4146	285	16	exclusion	exclusion	NOUN
ajeer-4146	285	17	of	of	ADP
ajeer-4146	285	18	low	low	ADJ
ajeer-4146	285	19	-	-	PUNCT
ajeer-4146	285	20	income	income	NOUN
ajeer-4146	285	21	groups	group	NOUN
ajeer-4146	285	22	in	in	ADP
ajeer-4146	285	23	benin	benin	PROPN
ajeer-4146	285	24	from	from	ADP
ajeer-4146	285	25	financial	financial	ADJ
ajeer-4146	285	26	services	service	NOUN
ajeer-4146	285	27	.	.	PUNCT
ajeer-4146	286	1	in	in	ADP
ajeer-4146	286	2	this	this	DET
ajeer-4146	286	3	context	context	NOUN
ajeer-4146	286	4	,	,	PUNCT
ajeer-4146	286	5	programs	program	NOUN
ajeer-4146	286	6	that	that	PRON
ajeer-4146	286	7	will	will	AUX
ajeer-4146	286	8	help	help	VERB
ajeer-4146	286	9	alleviate	alleviate	VERB
ajeer-4146	286	10	poverty	poverty	NOUN
ajeer-4146	286	11	will	will	AUX
ajeer-4146	286	12	likewise	likewise	ADV
ajeer-4146	286	13	address	address	VERB
ajeer-4146	286	14	the	the	DET
ajeer-4146	286	15	growing	grow	VERB
ajeer-4146	286	16	income	income	NOUN
ajeer-4146	286	17	inequality	inequality	NOUN
ajeer-4146	286	18	in	in	ADP
ajeer-4146	286	19	the	the	DET
ajeer-4146	286	20	country	country	NOUN
ajeer-4146	286	21	.	.	PUNCT
ajeer-4146	287	1	similarly	similarly	ADV
ajeer-4146	287	2	,	,	PUNCT
ajeer-4146	287	3	to	to	PART
ajeer-4146	287	4	promote	promote	VERB
ajeer-4146	287	5	inclusion	inclusion	NOUN
ajeer-4146	287	6	and	and	CCONJ
ajeer-4146	287	7	access	access	NOUN
ajeer-4146	287	8	to	to	ADP
ajeer-4146	287	9	financial	financial	ADJ
ajeer-4146	287	10	services	service	NOUN
ajeer-4146	287	11	,	,	PUNCT
ajeer-4146	287	12	policymakers	policymaker	NOUN
ajeer-4146	287	13	and	and	CCONJ
ajeer-4146	287	14	government	government	NOUN
ajeer-4146	287	15	should	should	AUX
ajeer-4146	287	16	focus	focus	VERB
ajeer-4146	287	17	more	more	ADV
ajeer-4146	287	18	on	on	ADP
ajeer-4146	287	19	how	how	SCONJ
ajeer-4146	287	20	to	to	PART
ajeer-4146	287	21	decentralize	decentralize	VERB
ajeer-4146	287	22	financial	financial	ADJ
ajeer-4146	287	23	institutions	institution	NOUN
ajeer-4146	287	24	/	/	SYM
ajeer-4146	287	25	financial	financial	ADJ
ajeer-4146	287	26	programs	program	NOUN
ajeer-4146	287	27	and	and	CCONJ
ajeer-4146	287	28	bring	bring	VERB
ajeer-4146	287	29	them	they	PRON
ajeer-4146	287	30	closer	close	ADV
ajeer-4146	287	31	to	to	ADP
ajeer-4146	287	32	the	the	DET
ajeer-4146	287	33	population	population	NOUN
ajeer-4146	287	34	since	since	SCONJ
ajeer-4146	287	35	the	the	DET
ajeer-4146	287	36	distance	distance	NOUN
ajeer-4146	287	37	from	from	ADP
ajeer-4146	287	38	financial	financial	ADJ
ajeer-4146	287	39	institutions	institution	NOUN
ajeer-4146	287	40	plays	play	VERB
ajeer-4146	287	41	a	a	DET
ajeer-4146	287	42	determinant	determinant	ADJ
ajeer-4146	287	43	role	role	NOUN
ajeer-4146	287	44	in	in	ADP
ajeer-4146	287	45	financial	financial	ADJ
ajeer-4146	287	46	exclusion	exclusion	NOUN
ajeer-4146	287	47	.	.	PUNCT
ajeer-4146	288	1	in	in	ADP
ajeer-4146	288	2	addition	addition	NOUN
ajeer-4146	288	3	,	,	PUNCT
ajeer-4146	288	4	the	the	DET
ajeer-4146	288	5	government	government	NOUN
ajeer-4146	288	6	should	should	AUX
ajeer-4146	288	7	make	make	VERB
ajeer-4146	288	8	access	access	NOUN
ajeer-4146	288	9	to	to	ADP
ajeer-4146	288	10	financial	financial	ADJ
ajeer-4146	288	11	services	service	NOUN
ajeer-4146	288	12	less	less	ADV
ajeer-4146	288	13	costly	costly	ADJ
ajeer-4146	288	14	and	and	CCONJ
ajeer-4146	288	15	help	help	VERB
ajeer-4146	288	16	people	people	NOUN
ajeer-4146	288	17	without	without	ADP
ajeer-4146	288	18	the	the	DET
ajeer-4146	288	19	necessary	necessary	ADJ
ajeer-4146	288	20	documentation	documentation	NOUN
ajeer-4146	288	21	by	by	ADP
ajeer-4146	288	22	implementing	implement	VERB
ajeer-4146	288	23	programs	program	NOUN
ajeer-4146	288	24	that	that	PRON
ajeer-4146	288	25	can	can	AUX
ajeer-4146	288	26	include	include	VERB
ajeer-4146	288	27	those	those	PRON
ajeer-4146	288	28	without	without	ADP
ajeer-4146	288	29	basic	basic	ADJ
ajeer-4146	288	30	documents	document	NOUN
ajeer-4146	288	31	such	such	ADJ
ajeer-4146	288	32	as	as	ADP
ajeer-4146	288	33	a	a	DET
ajeer-4146	288	34	birth	birth	NOUN
ajeer-4146	288	35	certificate	certificate	NOUN
ajeer-4146	288	36	and	and	CCONJ
ajeer-4146	288	37	a	a	DET
ajeer-4146	288	38	national	national	ADJ
ajeer-4146	288	39	identity	identity	NOUN
ajeer-4146	288	40	card	card	NOUN
ajeer-4146	288	41	.	.	PUNCT
ajeer-4146	289	1	references	reference	NOUN
ajeer-4146	289	2	afolabi	afolabi	NOUN
ajeer-4146	289	3	,	,	PUNCT
ajeer-4146	289	4	j.	j.	PROPN
ajeer-4146	289	5	(	(	PUNCT
ajeer-4146	289	6	2020	2020	NUM
ajeer-4146	289	7	)	)	PUNCT
ajeer-4146	289	8	.	.	PUNCT
ajeer-4146	290	1	impact	impact	NOUN
ajeer-4146	290	2	of	of	ADP
ajeer-4146	290	3	financial	financial	ADJ
ajeer-4146	290	4	inclusion	inclusion	NOUN
ajeer-4146	290	5	on	on	ADP
ajeer-4146	290	6	inclusive	inclusive	ADJ
ajeer-4146	290	7	growth	growth	NOUN
ajeer-4146	290	8	:	:	PUNCT
ajeer-4146	290	9	an	an	DET
ajeer-4146	290	10	empirical	empirical	ADJ
ajeer-4146	290	11	study	study	NOUN
ajeer-4146	290	12	of	of	ADP
ajeer-4146	290	13	nigeria	nigeria	PROPN
ajeer-4146	290	14	.	.	PUNCT
ajeer-4146	291	1	asian	asian	ADJ
ajeer-4146	291	2	journal	journal	PROPN
ajeer-4146	291	3	of	of	ADP
ajeer-4146	291	4	economics	economic	NOUN
ajeer-4146	291	5	and	and	CCONJ
ajeer-4146	291	6	empirical	empirical	ADJ
ajeer-4146	291	7	research	research	NOUN
ajeer-4146	291	8	,	,	PUNCT
ajeer-4146	291	9	7(1	7(1	NUM
ajeer-4146	291	10	)	)	PUNCT
ajeer-4146	291	11	,	,	PUNCT
ajeer-4146	291	12	8-14.available	8-14.available	NUM
ajeer-4146	291	13	at	at	ADP
ajeer-4146	291	14	:	:	PUNCT
ajeer-4146	291	15	https://doi.org/10.20448/journal.501.2020.71.8.14	https://doi.org/10.20448/journal.501.2020.71.8.14	PROPN
ajeer-4146	291	16	.	.	PROPN
ajeer-4146	291	17	alkire	alkire	PROPN
ajeer-4146	291	18	,	,	PUNCT
ajeer-4146	291	19	s.	s.	PROPN
ajeer-4146	291	20	,	,	PUNCT
ajeer-4146	291	21	&	&	CCONJ
ajeer-4146	291	22	santos	santos	PROPN
ajeer-4146	291	23	,	,	PUNCT
ajeer-4146	291	24	m.	m.	PROPN
ajeer-4146	291	25	e.	e.	PROPN
ajeer-4146	291	26	(	(	PUNCT
ajeer-4146	291	27	2014	2014	NUM
ajeer-4146	291	28	)	)	PUNCT
ajeer-4146	291	29	.	.	PUNCT
ajeer-4146	292	1	measuring	measure	VERB
ajeer-4146	292	2	acute	acute	ADJ
ajeer-4146	292	3	poverty	poverty	NOUN
ajeer-4146	292	4	in	in	ADP
ajeer-4146	292	5	the	the	DET
ajeer-4146	292	6	developing	develop	VERB
ajeer-4146	292	7	world	world	NOUN
ajeer-4146	292	8	:	:	PUNCT
ajeer-4146	292	9	robustness	robustness	NOUN
ajeer-4146	292	10	and	and	CCONJ
ajeer-4146	292	11	scope	scope	NOUN
ajeer-4146	292	12	of	of	ADP
ajeer-4146	292	13	the	the	DET
ajeer-4146	292	14	multidimensional	multidimensional	ADJ
ajeer-4146	292	15	poverty	poverty	NOUN
ajeer-4146	292	16	index	index	NOUN
ajeer-4146	292	17	.	.	PUNCT
ajeer-4146	293	1	world	world	PROPN
ajeer-4146	293	2	development	development	PROPN
ajeer-4146	293	3	,	,	PUNCT
ajeer-4146	293	4	59	59	NUM
ajeer-4146	293	5	,	,	PUNCT
ajeer-4146	293	6	251-274.available	251-274.available	NUM
ajeer-4146	293	7	at	at	ADP
ajeer-4146	293	8	:	:	PUNCT
ajeer-4146	293	9	https://doi.org/10.1016/j.worlddev.2014.01.026	https://doi.org/10.1016/j.worlddev.2014.01.026	PROPN
ajeer-4146	293	10	.	.	PUNCT
ajeer-4146	294	1	allen	allen	PROPN
ajeer-4146	294	2	,	,	PUNCT
ajeer-4146	294	3	f.	f.	PROPN
ajeer-4146	294	4	,	,	PUNCT
ajeer-4146	294	5	demirguc	demirguc	PROPN
ajeer-4146	294	6	-	-	PUNCT
ajeer-4146	294	7	kunt	kunt	PROPN
ajeer-4146	294	8	,	,	PUNCT
ajeer-4146	294	9	a.	a.	PROPN
ajeer-4146	294	10	,	,	PUNCT
ajeer-4146	294	11	klapper	klapper	PROPN
ajeer-4146	294	12	,	,	PUNCT
ajeer-4146	294	13	l.	l.	PROPN
ajeer-4146	294	14	,	,	PUNCT
ajeer-4146	294	15	&	&	CCONJ
ajeer-4146	294	16	peria	peria	PROPN
ajeer-4146	294	17	,	,	PUNCT
ajeer-4146	294	18	m.	m.	NOUN
ajeer-4146	294	19	s.	s.	PROPN
ajeer-4146	294	20	m.	m.	PROPN
ajeer-4146	294	21	(	(	PUNCT
ajeer-4146	294	22	2016	2016	NUM
ajeer-4146	294	23	)	)	PUNCT
ajeer-4146	294	24	.	.	PUNCT
ajeer-4146	295	1	the	the	DET
ajeer-4146	295	2	foundations	foundation	NOUN
ajeer-4146	295	3	of	of	ADP
ajeer-4146	295	4	financial	financial	ADJ
ajeer-4146	295	5	inclusion	inclusion	NOUN
ajeer-4146	295	6	:	:	PUNCT
ajeer-4146	295	7	understanding	understand	VERB
ajeer-4146	295	8	ownership	ownership	NOUN
ajeer-4146	295	9	and	and	CCONJ
ajeer-4146	295	10	use	use	NOUN
ajeer-4146	295	11	of	of	ADP
ajeer-4146	295	12	formal	formal	ADJ
ajeer-4146	295	13	accounts	account	NOUN
ajeer-4146	295	14	.	.	PUNCT
ajeer-4146	296	1	journal	journal	NOUN
ajeer-4146	296	2	of	of	ADP
ajeer-4146	296	3	financial	financial	ADJ
ajeer-4146	296	4	intermediation	intermediation	NOUN
ajeer-4146	296	5	,	,	PUNCT
ajeer-4146	296	6	27	27	NUM
ajeer-4146	296	7	,	,	PUNCT
ajeer-4146	296	8	1-30.available	1-30.available	NUM
ajeer-4146	296	9	at	at	ADP
ajeer-4146	296	10	:	:	PUNCT
ajeer-4146	296	11	https://doi.org/10.1016/j.jfi.2015.12.003	https://doi.org/10.1016/j.jfi.2015.12.003	PROPN
ajeer-4146	296	12	.	.	PROPN
ajeer-4146	296	13	anthony	anthony	PROPN
ajeer-4146	296	14	,	,	PUNCT
ajeer-4146	296	15	y.	y.	PROPN
ajeer-4146	296	16	n.	n.	PROPN
ajeer-4146	296	17	,	,	PUNCT
ajeer-4146	296	18	hadrat	hadrat	PROPN
ajeer-4146	296	19	,	,	PUNCT
ajeer-4146	296	20	y.	y.	PROPN
ajeer-4146	296	21	,	,	PUNCT
ajeer-4146	296	22	george	george	PROPN
ajeer-4146	296	23	,	,	PUNCT
ajeer-4146	296	24	t.	t.	PROPN
ajeer-4146	296	25	,	,	PUNCT
ajeer-4146	296	26	kwasi	kwasi	PROPN
ajeer-4146	296	27	,	,	PUNCT
ajeer-4146	296	28	a.	a.	PROPN
ajeer-4146	296	29	,	,	PUNCT
ajeer-4146	296	30	&	&	CCONJ
ajeer-4146	296	31	samuel	samuel	PROPN
ajeer-4146	296	32	,	,	PUNCT
ajeer-4146	296	33	t.	t.	PROPN
ajeer-4146	296	34	b.	b.	PROPN
ajeer-4146	296	35	(	(	PUNCT
ajeer-4146	296	36	2021	2021	NUM
ajeer-4146	296	37	)	)	PUNCT
ajeer-4146	296	38	.	.	PUNCT
ajeer-4146	297	1	the	the	DET
ajeer-4146	297	2	effect	effect	NOUN
ajeer-4146	297	3	of	of	ADP
ajeer-4146	297	4	financial	financial	ADJ
ajeer-4146	297	5	inclusion	inclusion	NOUN
ajeer-4146	297	6	on	on	ADP
ajeer-4146	297	7	poverty	poverty	NOUN
ajeer-4146	297	8	reduction	reduction	NOUN
ajeer-4146	297	9	in	in	ADP
ajeer-4146	297	10	sub	sub	ADJ
ajeer-4146	297	11	-	-	ADJ
ajeer-4146	297	12	sahara	sahara	ADJ
ajeer-4146	297	13	africa	africa	PROPN
ajeer-4146	297	14	:	:	PUNCT
ajeer-4146	297	15	does	do	AUX
ajeer-4146	297	16	threshold	threshold	VERB
ajeer-4146	297	17	matter	matter	VERB
ajeer-4146	297	18	?	?	PUNCT
ajeer-4146	298	1	cogent	cogent	ADJ
ajeer-4146	298	2	social	social	ADJ
ajeer-4146	298	3	sciences	sciences	PROPN
ajeer-4146	298	4	,	,	PUNCT
ajeer-4146	298	5	7(1	7(1	NUM
ajeer-4146	298	6	)	)	PUNCT
ajeer-4146	298	7	,	,	PUNCT
ajeer-4146	298	8	1903138.available	1903138.available	X
ajeer-4146	298	9	at	at	ADP
ajeer-4146	298	10	:	:	PUNCT
ajeer-4146	298	11	https://doi.org/10.1080/23311886.2021.1903138	https://doi.org/10.1080/23311886.2021.1903138	PROPN
ajeer-4146	298	12	.	.	PUNCT
ajeer-4146	298	13	aportela	aportela	PROPN
ajeer-4146	298	14	,	,	PUNCT
ajeer-4146	298	15	f.	f.	PROPN
ajeer-4146	298	16	(	(	PUNCT
ajeer-4146	298	17	1999	1999	NUM
ajeer-4146	298	18	)	)	PUNCT
ajeer-4146	298	19	.	.	PUNCT
ajeer-4146	299	1	effects	effect	NOUN
ajeer-4146	299	2	of	of	ADP
ajeer-4146	299	3	financial	financial	ADJ
ajeer-4146	299	4	access	access	NOUN
ajeer-4146	299	5	on	on	ADP
ajeer-4146	299	6	savings	saving	NOUN
ajeer-4146	299	7	by	by	ADP
ajeer-4146	299	8	low	low	ADJ
ajeer-4146	299	9	-	-	PUNCT
ajeer-4146	299	10	income	income	NOUN
ajeer-4146	299	11	people	people	NOUN
ajeer-4146	299	12	.	.	PUNCT
ajeer-4146	300	1	bank	bank	PROPN
ajeer-4146	300	2	of	of	ADP
ajeer-4146	300	3	mexico	mexico	PROPN
ajeer-4146	300	4	,	,	PUNCT
ajeer-4146	300	5	research	research	NOUN
ajeer-4146	300	6	department	department	NOUN
ajeer-4146	300	7	.	.	PUNCT
ajeer-4146	301	1	retrieved	retrieve	VERB
ajeer-4146	301	2	from	from	ADP
ajeer-4146	301	3	:	:	PUNCT
ajeer-4146	301	4	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.194.5270&rep=rep1&type=pdf	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.194.5270&rep=rep1&type=pdf	PROPN
ajeer-4146	301	5	.	.	PUNCT
ajeer-4146	302	1	becker	becker	PROPN
ajeer-4146	302	2	,	,	PUNCT
ajeer-4146	302	3	s.	s.	PROPN
ajeer-4146	302	4	o.	o.	PROPN
ajeer-4146	302	5	,	,	PUNCT
ajeer-4146	302	6	&	&	CCONJ
ajeer-4146	302	7	ichino	ichino	PROPN
ajeer-4146	302	8	,	,	PUNCT
ajeer-4146	302	9	a.	a.	NOUN
ajeer-4146	302	10	(	(	PUNCT
ajeer-4146	302	11	2002	2002	NUM
ajeer-4146	302	12	)	)	PUNCT
ajeer-4146	302	13	.	.	PUNCT
ajeer-4146	303	1	estimation	estimation	NOUN
ajeer-4146	303	2	of	of	ADP
ajeer-4146	303	3	average	average	ADJ
ajeer-4146	303	4	treatment	treatment	NOUN
ajeer-4146	303	5	effects	effect	NOUN
ajeer-4146	303	6	based	base	VERB
ajeer-4146	303	7	on	on	ADP
ajeer-4146	303	8	propensity	propensity	NOUN
ajeer-4146	303	9	scores	score	NOUN
ajeer-4146	303	10	.	.	PUNCT
ajeer-4146	304	1	the	the	DET
ajeer-4146	304	2	stata	stata	PROPN
ajeer-4146	304	3	journal	journal	PROPN
ajeer-4146	304	4	,	,	PUNCT
ajeer-4146	304	5	2(4	2(4	NUM
ajeer-4146	304	6	)	)	PUNCT
ajeer-4146	304	7	,	,	PUNCT
ajeer-4146	304	8	358-377.available	358-377.available	NUM
ajeer-4146	304	9	at	at	ADP
ajeer-4146	304	10	:	:	PUNCT
ajeer-4146	304	11	https://doi.org/10.1177/1536867x0200200403	https://doi.org/10.1177/1536867x0200200403	NOUN
ajeer-4146	304	12	.	.	NOUN
ajeer-4146	304	13	bruhn	bruhn	NOUN
ajeer-4146	304	14	,	,	PUNCT
ajeer-4146	304	15	m.	m.	NOUN
ajeer-4146	304	16	,	,	PUNCT
ajeer-4146	304	17	&	&	CCONJ
ajeer-4146	304	18	love	love	PROPN
ajeer-4146	304	19	,	,	PUNCT
ajeer-4146	304	20	i.	i.	PROPN
ajeer-4146	304	21	(	(	PUNCT
ajeer-4146	304	22	2014	2014	NUM
ajeer-4146	304	23	)	)	PUNCT
ajeer-4146	304	24	.	.	PUNCT
ajeer-4146	305	1	the	the	DET
ajeer-4146	305	2	real	real	ADJ
ajeer-4146	305	3	impact	impact	NOUN
ajeer-4146	305	4	of	of	ADP
ajeer-4146	305	5	improved	improved	ADJ
ajeer-4146	305	6	access	access	NOUN
ajeer-4146	305	7	to	to	ADP
ajeer-4146	305	8	finance	finance	NOUN
ajeer-4146	305	9	:	:	PUNCT
ajeer-4146	305	10	evidence	evidence	NOUN
ajeer-4146	305	11	from	from	ADP
ajeer-4146	305	12	mexico	mexico	PROPN
ajeer-4146	305	13	.	.	PUNCT
ajeer-4146	306	1	the	the	DET
ajeer-4146	306	2	journal	journal	PROPN
ajeer-4146	306	3	of	of	ADP
ajeer-4146	306	4	finance	finance	NOUN
ajeer-4146	306	5	,	,	PUNCT
ajeer-4146	306	6	69(3	69(3	NUM
ajeer-4146	306	7	)	)	PUNCT
ajeer-4146	306	8	,	,	PUNCT
ajeer-4146	306	9	13471376.available	13471376.available	ADJ
ajeer-4146	306	10	at	at	ADP
ajeer-4146	306	11	:	:	PUNCT
ajeer-4146	306	12	https://doi.org/10.1111/jofi.12091	https://doi.org/10.1111/jofi.12091	PROPN
ajeer-4146	306	13	.	.	PUNCT
ajeer-4146	306	14	caliendo	caliendo	PROPN
ajeer-4146	306	15	,	,	PUNCT
ajeer-4146	306	16	m.	m.	NOUN
ajeer-4146	306	17	,	,	PUNCT
ajeer-4146	306	18	&	&	CCONJ
ajeer-4146	306	19	kopeinig	kopeinig	PROPN
ajeer-4146	306	20	,	,	PUNCT
ajeer-4146	306	21	s.	s.	PROPN
ajeer-4146	306	22	(	(	PUNCT
ajeer-4146	306	23	2008	2008	NUM
ajeer-4146	306	24	)	)	PUNCT
ajeer-4146	306	25	.	.	PUNCT
ajeer-4146	307	1	some	some	DET
ajeer-4146	307	2	practical	practical	ADJ
ajeer-4146	307	3	guidance	guidance	NOUN
ajeer-4146	307	4	for	for	ADP
ajeer-4146	307	5	the	the	DET
ajeer-4146	307	6	implementation	implementation	NOUN
ajeer-4146	307	7	of	of	ADP
ajeer-4146	307	8	propensity	propensity	NOUN
ajeer-4146	307	9	score	score	NOUN
ajeer-4146	307	10	matching	matching	NOUN
ajeer-4146	307	11	.	.	PUNCT
ajeer-4146	308	1	journal	journal	PROPN
ajeer-4146	308	2	of	of	ADP
ajeer-4146	308	3	economic	economic	ADJ
ajeer-4146	308	4	surveys	survey	NOUN
ajeer-4146	308	5	,	,	PUNCT
ajeer-4146	308	6	22(1	22(1	NUM
ajeer-4146	308	7	)	)	PUNCT
ajeer-4146	308	8	,	,	PUNCT
ajeer-4146	308	9	31-72.available	31-72.available	NUM
ajeer-4146	308	10	at	at	ADP
ajeer-4146	308	11	:	:	PUNCT
ajeer-4146	308	12	https://doi.org/10.1111/j.1467-6419.2007.00527.x	https://doi.org/10.1111/j.1467-6419.2007.00527.x	NOUN
ajeer-4146	308	13	.	.	PUNCT
ajeer-4146	309	1	dahoun	dahoun	PROPN
ajeer-4146	309	2	,	,	PUNCT
ajeer-4146	309	3	d.	d.	PROPN
ajeer-4146	309	4	b.	b.	PROPN
ajeer-4146	309	5	,	,	PUNCT
ajeer-4146	309	6	manlan	manlan	PROPN
ajeer-4146	309	7	,	,	PUNCT
ajeer-4146	309	8	o.	o.	PROPN
ajeer-4146	309	9	,	,	PUNCT
ajeer-4146	309	10	vodonou	vodonou	PROPN
ajeer-4146	309	11	,	,	PUNCT
ajeer-4146	309	12	c.	c.	PROPN
ajeer-4146	309	13	,	,	PUNCT
ajeer-4146	309	14	mongan	mongan	NOUN
ajeer-4146	309	15	,	,	PUNCT
ajeer-4146	309	16	s.	s.	PROPN
ajeer-4146	309	17	m.	m.	PROPN
ajeer-4146	309	18	,	,	PUNCT
ajeer-4146	309	19	mededji	mededji	PROPN
ajeer-4146	309	20	,	,	PUNCT
ajeer-4146	309	21	d.	d.	PROPN
ajeer-4146	309	22	,	,	PUNCT
ajeer-4146	309	23	&	&	CCONJ
ajeer-4146	309	24	alofa	alofa	PROPN
ajeer-4146	309	25	,	,	PUNCT
ajeer-4146	309	26	j.	j.	PROPN
ajeer-4146	309	27	p.	p.	PROPN
ajeer-4146	309	28	(	(	PUNCT
ajeer-4146	309	29	2013	2013	NUM
ajeer-4146	309	30	)	)	PUNCT
ajeer-4146	309	31	.	.	PUNCT
ajeer-4146	310	1	microcredit	microcredit	NOUN
ajeer-4146	310	2	,	,	PUNCT
ajeer-4146	310	3	poverty	poverty	NOUN
ajeer-4146	310	4	and	and	CCONJ
ajeer-4146	310	5	the	the	DET
ajeer-4146	310	6	empowerment	empowerment	NOUN
ajeer-4146	310	7	of	of	ADP
ajeer-4146	310	8	women	woman	NOUN
ajeer-4146	310	9	in	in	ADP
ajeer-4146	310	10	benin	benin	PROPN
ajeer-4146	310	11	(	(	PUNCT
ajeer-4146	310	12	no	no	INTJ
ajeer-4146	310	13	.	.	NOUN
ajeer-4146	310	14	160426	160426	NUM
ajeer-4146	310	15	)	)	PUNCT
ajeer-4146	310	16	.	.	PUNCT
ajeer-4146	311	1	partnership	partnership	NOUN
ajeer-4146	311	2	for	for	ADP
ajeer-4146	311	3	economic	economic	ADJ
ajeer-4146	311	4	policy	policy	NOUN
ajeer-4146	311	5	(	(	PUNCT
ajeer-4146	311	6	pep	pep	NOUN
ajeer-4146	311	7	)	)	PUNCT
ajeer-4146	311	8	.	.	PUNCT
ajeer-4146	312	1	dehejia	dehejia	PROPN
ajeer-4146	312	2	,	,	PUNCT
ajeer-4146	312	3	r.	r.	PROPN
ajeer-4146	312	4	h.	h.	PROPN
ajeer-4146	312	5	,	,	PUNCT
ajeer-4146	312	6	&	&	CCONJ
ajeer-4146	312	7	wahba	wahba	PROPN
ajeer-4146	312	8	,	,	PUNCT
ajeer-4146	312	9	s.	s.	PROPN
ajeer-4146	312	10	(	(	PUNCT
ajeer-4146	312	11	2002	2002	NUM
ajeer-4146	312	12	)	)	PUNCT
ajeer-4146	312	13	.	.	PUNCT
ajeer-4146	313	1	propensity	propensity	NOUN
ajeer-4146	313	2	score	score	NOUN
ajeer-4146	313	3	-	-	PUNCT
ajeer-4146	313	4	matching	match	VERB
ajeer-4146	313	5	methods	method	NOUN
ajeer-4146	313	6	for	for	ADP
ajeer-4146	313	7	nonexperimental	nonexperimental	ADJ
ajeer-4146	313	8	causal	causal	PROPN
ajeer-4146	313	9	studies	study	NOUN
ajeer-4146	313	10	.	.	PUNCT
ajeer-4146	314	1	review	review	NOUN
ajeer-4146	314	2	of	of	ADP
ajeer-4146	314	3	economics	economic	NOUN
ajeer-4146	314	4	and	and	CCONJ
ajeer-4146	314	5	statistics	statistic	NOUN
ajeer-4146	314	6	,	,	PUNCT
ajeer-4146	314	7	84(1	84(1	NUM
ajeer-4146	314	8	)	)	PUNCT
ajeer-4146	314	9	,	,	PUNCT
ajeer-4146	314	10	151–161.available	151–161.available	NUM
ajeer-4146	314	11	at	at	ADP
ajeer-4146	314	12	:	:	PUNCT
ajeer-4146	314	13	https://doi.org/10.1162/003465302317331982	https://doi.org/10.1162/003465302317331982	PROPN
ajeer-4146	314	14	.	.	PROPN
ajeer-4146	314	15	demirgüç	demirgüç	PROPN
ajeer-4146	314	16	-	-	PUNCT
ajeer-4146	314	17	kunt	kunt	PROPN
ajeer-4146	314	18	,	,	PUNCT
ajeer-4146	314	19	a.	a.	PROPN
ajeer-4146	314	20	,	,	PUNCT
ajeer-4146	314	21	&	&	CCONJ
ajeer-4146	314	22	singer	singer	PROPN
ajeer-4146	314	23	,	,	PUNCT
ajeer-4146	314	24	d.	d.	PROPN
ajeer-4146	314	25	(	(	PUNCT
ajeer-4146	314	26	2017	2017	NUM
ajeer-4146	314	27	)	)	PUNCT
ajeer-4146	314	28	.	.	PUNCT
ajeer-4146	315	1	financial	financial	ADJ
ajeer-4146	315	2	inclusion	inclusion	NOUN
ajeer-4146	315	3	and	and	CCONJ
ajeer-4146	315	4	inclusive	inclusive	ADJ
ajeer-4146	315	5	growth	growth	NOUN
ajeer-4146	315	6	:	:	PUNCT
ajeer-4146	315	7	a	a	DET
ajeer-4146	315	8	review	review	NOUN
ajeer-4146	315	9	of	of	ADP
ajeer-4146	315	10	recent	recent	ADJ
ajeer-4146	315	11	empirical	empirical	ADJ
ajeer-4146	315	12	evidence	evidence	NOUN
ajeer-4146	315	13	.	.	PUNCT
ajeer-4146	316	1	world	world	NOUN
ajeer-4146	316	2	bank	bank	PROPN
ajeer-4146	316	3	policy	policy	NOUN
ajeer-4146	316	4	research	research	NOUN
ajeer-4146	316	5	working	working	NOUN
ajeer-4146	316	6	paper	paper	NOUN
ajeer-4146	316	7	,	,	PUNCT
ajeer-4146	316	8	no	no	INTJ
ajeer-4146	316	9	.	.	PUNCT
ajeer-4146	317	1	(	(	PUNCT
ajeer-4146	317	2	8040	8040	NUM
ajeer-4146	317	3	)	)	PUNCT
ajeer-4146	317	4	.	.	PUNCT
ajeer-4146	318	1	djossou	djossou	PROPN
ajeer-4146	318	2	,	,	PUNCT
ajeer-4146	318	3	g.	g.	PROPN
ajeer-4146	318	4	n.	n.	PROPN
ajeer-4146	318	5	a.	a.	PROPN
ajeer-4146	318	6	,	,	PUNCT
ajeer-4146	318	7	monwanou	monwanou	PROPN
ajeer-4146	318	8	,	,	PUNCT
ajeer-4146	318	9	d.	d.	PROPN
ajeer-4146	318	10	i.	i.	PROPN
ajeer-4146	318	11	,	,	PUNCT
ajeer-4146	318	12	&	&	CCONJ
ajeer-4146	318	13	novignon	novignon	PROPN
ajeer-4146	318	14	,	,	PUNCT
ajeer-4146	318	15	j.	j.	PROPN
ajeer-4146	318	16	(	(	PUNCT
ajeer-4146	318	17	2016	2016	NUM
ajeer-4146	318	18	)	)	PUNCT
ajeer-4146	318	19	.	.	PUNCT
ajeer-4146	319	1	improving	improve	VERB
ajeer-4146	319	2	access	access	NOUN
ajeer-4146	319	3	to	to	ADP
ajeer-4146	319	4	microcredit	microcredit	NOUN
ajeer-4146	319	5	in	in	ADP
ajeer-4146	319	6	benin	benin	PROPN
ajeer-4146	319	7	:	:	PUNCT
ajeer-4146	319	8	are	be	AUX
ajeer-4146	319	9	the	the	DET
ajeer-4146	319	10	poor	poor	ADJ
ajeer-4146	319	11	and	and	CCONJ
ajeer-4146	319	12	women	woman	NOUN
ajeer-4146	319	13	benefiting	benefit	VERB
ajeer-4146	319	14	?	?	PUNCT
ajeer-4146	320	1	germany	germany	PROPN
ajeer-4146	320	2	:	:	PUNCT
ajeer-4146	320	3	university	university	NOUN
ajeer-4146	320	4	library	library	NOUN
ajeer-4146	320	5	of	of	ADP
ajeer-4146	320	6	munich	munich	PROPN
ajeer-4146	320	7	.	.	PUNCT
ajeer-4146	321	1	dollar	dollar	PROPN
ajeer-4146	321	2	,	,	PUNCT
ajeer-4146	321	3	d.	d.	PROPN
ajeer-4146	321	4	,	,	PUNCT
ajeer-4146	321	5	&	&	CCONJ
ajeer-4146	321	6	kraay	kraay	PROPN
ajeer-4146	321	7	,	,	PUNCT
ajeer-4146	321	8	a.	a.	NOUN
ajeer-4146	321	9	(	(	PUNCT
ajeer-4146	321	10	2002	2002	NUM
ajeer-4146	321	11	)	)	PUNCT
ajeer-4146	321	12	.	.	PUNCT
ajeer-4146	322	1	growth	growth	NOUN
ajeer-4146	322	2	is	be	AUX
ajeer-4146	322	3	good	good	ADJ
ajeer-4146	322	4	for	for	ADP
ajeer-4146	322	5	the	the	DET
ajeer-4146	322	6	poor	poor	ADJ
ajeer-4146	322	7	.	.	PUNCT
ajeer-4146	323	1	journal	journal	NOUN
ajeer-4146	323	2	of	of	ADP
ajeer-4146	323	3	economic	economic	ADJ
ajeer-4146	323	4	growth	growth	NOUN
ajeer-4146	323	5	,	,	PUNCT
ajeer-4146	323	6	7(3	7(3	NUM
ajeer-4146	323	7	)	)	PUNCT
ajeer-4146	323	8	,	,	PUNCT
ajeer-4146	323	9	195	195	NUM
ajeer-4146	323	10	-	-	SYM
ajeer-4146	323	11	225	225	NUM
ajeer-4146	323	12	.	.	PUNCT
ajeer-4146	324	1	du	du	PROPN
ajeer-4146	324	2	volet	volet	PROPN
ajeer-4146	324	3	,	,	PUNCT
ajeer-4146	324	4	r.	r.	PROPN
ajeer-4146	324	5	d.	d.	PROPN
ajeer-4146	324	6	,	,	PUNCT
ajeer-4146	324	7	&	&	CCONJ
ajeer-4146	324	8	du	du	PROPN
ajeer-4146	324	9	temps	temps	PROPN
ajeer-4146	324	10	,	,	PUNCT
ajeer-4146	324	11	e.	e.	PROPN
ajeer-4146	324	12	(	(	PUNCT
ajeer-4146	324	13	2015	2015	NUM
ajeer-4146	324	14	)	)	PUNCT
ajeer-4146	324	15	.	.	PUNCT
ajeer-4146	325	1	integrated	integrate	VERB
ajeer-4146	325	2	modular	modular	ADJ
ajeer-4146	325	3	survey	survey	NOUN
ajeer-4146	325	4	on	on	ADP
ajeer-4146	325	5	household	household	NOUN
ajeer-4146	325	6	living	living	NOUN
ajeer-4146	325	7	conditions	condition	NOUN
ajeer-4146	325	8	2nd	2nd	PROPN
ajeer-4146	325	9	edition	edition	PROPN
ajeer-4146	325	10	(	(	PUNCT
ajeer-4146	325	11	emicov-2015	emicov-2015	PROPN
ajeer-4146	325	12	)	)	PUNCT
ajeer-4146	325	13	.	.	PUNCT
ajeer-4146	326	1	retrieved	retrieve	VERB
ajeer-4146	326	2	from	from	ADP
ajeer-4146	326	3	https://www.scirp.org/(s(czeh2tfqw2orz553k1w0r45))/reference/referencespapers.aspx?referenceid=3040514	https://www.scirp.org/(s(czeh2tfqw2orz553k1w0r45))/reference/referencespapers.aspx?referenceid=3040514	PROPN
ajeer-4146	326	4	.	.	PUNCT
ajeer-4146	327	1	dupas	dupas	PROPN
ajeer-4146	327	2	,	,	PUNCT
ajeer-4146	327	3	p.	p.	PROPN
ajeer-4146	327	4	,	,	PUNCT
ajeer-4146	327	5	&	&	CCONJ
ajeer-4146	327	6	robinson	robinson	PROPN
ajeer-4146	327	7	,	,	PUNCT
ajeer-4146	327	8	j.	j.	PROPN
ajeer-4146	327	9	(	(	PUNCT
ajeer-4146	327	10	2010	2010	NUM
ajeer-4146	327	11	)	)	PUNCT
ajeer-4146	327	12	.	.	PUNCT
ajeer-4146	328	1	savings	saving	NOUN
ajeer-4146	328	2	constraints	constraint	NOUN
ajeer-4146	328	3	and	and	CCONJ
ajeer-4146	328	4	microenterprise	microenterprise	NOUN
ajeer-4146	328	5	development	development	NOUN
ajeer-4146	328	6	:	:	PUNCT
ajeer-4146	328	7	evidence	evidence	NOUN
ajeer-4146	328	8	from	from	ADP
ajeer-4146	328	9	a	a	DET
ajeer-4146	328	10	field	field	NOUN
ajeer-4146	328	11	experiment	experiment	NOUN
ajeer-4146	328	12	in	in	ADP
ajeer-4146	328	13	kenya	kenya	PROPN
ajeer-4146	328	14	.	.	PUNCT
ajeer-4146	329	1	american	american	PROPN
ajeer-4146	329	2	economic	economic	PROPN
ajeer-4146	329	3	journal	journal	PROPN
ajeer-4146	329	4	:	:	PUNCT
ajeer-4146	329	5	applied	apply	VERB
ajeer-4146	329	6	economics	economic	NOUN
ajeer-4146	329	7	,	,	PUNCT
ajeer-4146	329	8	5(1	5(1	NUM
ajeer-4146	329	9	)	)	PUNCT
ajeer-4146	329	10	,	,	PUNCT
ajeer-4146	329	11	163-192.available	163-192.available	NUM
ajeer-4146	329	12	at	at	ADP
ajeer-4146	329	13	:	:	PUNCT
ajeer-4146	329	14	http://dx.doi.org/10.1257/app.5.1.163	http://dx.doi.org/10.1257/app.5.1.163	PROPN
ajeer-4146	329	15	.	.	PROPN
ajeer-4146	329	16	efobi	efobi	PROPN
ajeer-4146	329	17	,	,	PUNCT
ajeer-4146	329	18	u.	u.	NOUN
ajeer-4146	329	19	,	,	PUNCT
ajeer-4146	329	20	beecroft	beecroft	PROPN
ajeer-4146	329	21	,	,	PUNCT
ajeer-4146	329	22	i.	i.	NOUN
ajeer-4146	329	23	,	,	PUNCT
ajeer-4146	329	24	&	&	CCONJ
ajeer-4146	329	25	osabuohien	osabuohien	PROPN
ajeer-4146	329	26	,	,	PUNCT
ajeer-4146	329	27	e.	e.	PROPN
ajeer-4146	329	28	(	(	PUNCT
ajeer-4146	329	29	2014	2014	NUM
ajeer-4146	329	30	)	)	PUNCT
ajeer-4146	329	31	.	.	PUNCT
ajeer-4146	330	1	access	access	NOUN
ajeer-4146	330	2	to	to	ADP
ajeer-4146	330	3	and	and	CCONJ
ajeer-4146	330	4	use	use	NOUN
ajeer-4146	330	5	of	of	ADP
ajeer-4146	330	6	bank	bank	NOUN
ajeer-4146	330	7	services	service	NOUN
ajeer-4146	330	8	in	in	ADP
ajeer-4146	330	9	nigeria	nigeria	PROPN
ajeer-4146	330	10	:	:	PUNCT
ajeer-4146	330	11	microeconometric	microeconometric	ADJ
ajeer-4146	330	12	evidence	evidence	NOUN
ajeer-4146	330	13	.	.	PUNCT
ajeer-4146	331	1	review	review	NOUN
ajeer-4146	331	2	of	of	ADP
ajeer-4146	331	3	development	development	NOUN
ajeer-4146	331	4	finance	finance	NOUN
ajeer-4146	331	5	,	,	PUNCT
ajeer-4146	331	6	4(2	4(2	NUM
ajeer-4146	331	7	)	)	PUNCT
ajeer-4146	331	8	,	,	PUNCT
ajeer-4146	331	9	104–114.available	104–114.available	NUM
ajeer-4146	331	10	at	at	ADP
ajeer-4146	331	11	:	:	PUNCT
ajeer-4146	331	12	https://doi.org/10.1016/j.rdf.2014.05.002	https://doi.org/10.1016/j.rdf.2014.05.002	PROPN
ajeer-4146	331	13	.	.	PUNCT
ajeer-4146	331	14	fund	fund	PROPN
ajeer-4146	331	15	,	,	PUNCT
ajeer-4146	331	16	i.	i.	PROPN
ajeer-4146	331	17	m.	m.	PROPN
ajeer-4146	331	18	(	(	PUNCT
ajeer-4146	331	19	2018	2018	NUM
ajeer-4146	331	20	)	)	PUNCT
ajeer-4146	331	21	.	.	PUNCT
ajeer-4146	332	1	selected	select	VERB
ajeer-4146	332	2	issues	issue	NOUN
ajeer-4146	332	3	paper	paper	NOUN
ajeer-4146	332	4	for	for	ADP
ajeer-4146	332	5	benin	benin	PROPN
ajeer-4146	332	6	.	.	PUNCT
ajeer-4146	333	1	country	country	NOUN
ajeer-4146	333	2	report	report	VERB
ajeer-4146	333	3	no	no	INTJ
ajeer-4146	333	4	.	.	PUNCT
ajeer-4146	334	1	18/2	18/2	NUM
ajeer-4146	334	2	.	.	PUNCT
ajeer-4146	335	1	gupte	gupte	PROPN
ajeer-4146	335	2	,	,	PUNCT
ajeer-4146	335	3	r.	r.	PROPN
ajeer-4146	335	4	,	,	PUNCT
ajeer-4146	335	5	venkataramani	venkataramani	PROPN
ajeer-4146	335	6	,	,	PUNCT
ajeer-4146	335	7	b.	b.	PROPN
ajeer-4146	335	8	,	,	PUNCT
ajeer-4146	335	9	&	&	CCONJ
ajeer-4146	335	10	gupta	gupta	PROPN
ajeer-4146	335	11	,	,	PUNCT
ajeer-4146	335	12	d.	d.	PROPN
ajeer-4146	335	13	(	(	PUNCT
ajeer-4146	335	14	2012	2012	NUM
ajeer-4146	335	15	)	)	PUNCT
ajeer-4146	335	16	.	.	PUNCT
ajeer-4146	336	1	computation	computation	NOUN
ajeer-4146	336	2	of	of	ADP
ajeer-4146	336	3	financial	financial	ADJ
ajeer-4146	336	4	inclusion	inclusion	NOUN
ajeer-4146	336	5	index	index	NOUN
ajeer-4146	336	6	for	for	ADP
ajeer-4146	336	7	india	india	PROPN
ajeer-4146	336	8	.	.	PUNCT
ajeer-4146	337	1	procedia	procedia	NOUN
ajeer-4146	337	2	-	-	PUNCT
ajeer-4146	337	3	social	social	ADJ
ajeer-4146	337	4	and	and	CCONJ
ajeer-4146	337	5	behavioral	behavioral	ADJ
ajeer-4146	337	6	sciences	science	NOUN
ajeer-4146	337	7	,	,	PUNCT
ajeer-4146	337	8	37	37	NUM
ajeer-4146	337	9	,	,	PUNCT
ajeer-4146	337	10	133-149.available	133-149.available	NUM
ajeer-4146	337	11	at	at	ADP
ajeer-4146	337	12	:	:	PUNCT
ajeer-4146	337	13	https://doi.org/10.1016/j.sbspro.2012.03.281	https://doi.org/10.1016/j.sbspro.2012.03.281	NUM
ajeer-4146	337	14	.	.	PUNCT
ajeer-4146	338	1	heckman	heckman	PROPN
ajeer-4146	338	2	,	,	PUNCT
ajeer-4146	338	3	j.	j.	PROPN
ajeer-4146	338	4	j.	j.	PROPN
ajeer-4146	338	5	(	(	PUNCT
ajeer-4146	338	6	1979	1979	NUM
ajeer-4146	338	7	)	)	PUNCT
ajeer-4146	338	8	.	.	PUNCT
ajeer-4146	339	1	sample	sample	NOUN
ajeer-4146	339	2	selection	selection	NOUN
ajeer-4146	339	3	as	as	ADP
ajeer-4146	339	4	a	a	DET
ajeer-4146	339	5	specification	specification	NOUN
ajeer-4146	339	6	error	error	NOUN
ajeer-4146	339	7	.	.	PUNCT
ajeer-4146	340	1	econometrica	econometrica	PROPN
ajeer-4146	340	2	,	,	PUNCT
ajeer-4146	340	3	47	47	NUM
ajeer-4146	340	4	,	,	PUNCT
ajeer-4146	340	5	153–161.available	153–161.available	NUM
ajeer-4146	340	6	at	at	ADP
ajeer-4146	340	7	:	:	PUNCT
ajeer-4146	340	8	https://doi.org/10.2307/1912352	https://doi.org/10.2307/1912352	PROPN
ajeer-4146	340	9	.	.	PROPN
ajeer-4146	340	10	imai	imai	PROPN
ajeer-4146	340	11	,	,	PUNCT
ajeer-4146	340	12	k.	k.	PROPN
ajeer-4146	340	13	,	,	PUNCT
ajeer-4146	340	14	&	&	CCONJ
ajeer-4146	340	15	arun	arun	PROPN
ajeer-4146	340	16	,	,	PUNCT
ajeer-4146	340	17	t.	t.	PROPN
ajeer-4146	340	18	(	(	PUNCT
ajeer-4146	340	19	2008	2008	NUM
ajeer-4146	340	20	)	)	PUNCT
ajeer-4146	340	21	.	.	PUNCT
ajeer-4146	341	1	does	do	AUX
ajeer-4146	341	2	microfinance	microfinance	NOUN
ajeer-4146	341	3	reduce	reduce	VERB
ajeer-4146	341	4	poverty	poverty	NOUN
ajeer-4146	341	5	in	in	ADP
ajeer-4146	341	6	india	india	PROPN
ajeer-4146	341	7	?	?	PUNCT
ajeer-4146	342	1	economics	economic	NOUN
ajeer-4146	342	2	,	,	PUNCT
ajeer-4146	342	3	the	the	DET
ajeer-4146	342	4	university	university	PROPN
ajeer-4146	342	5	of	of	ADP
ajeer-4146	342	6	manchester	manchester	PROPN
ajeer-4146	342	7	,	,	PUNCT
ajeer-4146	342	8	the	the	DET
ajeer-4146	342	9	school	school	NOUN
ajeer-4146	342	10	of	of	ADP
ajeer-4146	342	11	economics	economic	NOUN
ajeer-4146	342	12	discussion	discussion	NOUN
ajeer-4146	342	13	paper	paper	PROPN
ajeer-4146	342	14	series	series	PROPN
ajeer-4146	342	15	no	no	PROPN
ajeer-4146	342	16	.	.	PROPN
ajeer-4146	342	17	0814	0814	NUM
ajeer-4146	342	18	.	.	PUNCT
ajeer-4146	343	1	imai	imai	PROPN
ajeer-4146	343	2	,	,	PUNCT
ajeer-4146	343	3	k.	k.	PROPN
ajeer-4146	343	4	s.	s.	PROPN
ajeer-4146	343	5	,	,	PUNCT
ajeer-4146	343	6	arun	arun	PROPN
ajeer-4146	343	7	,	,	PUNCT
ajeer-4146	343	8	t.	t.	PROPN
ajeer-4146	343	9	,	,	PUNCT
ajeer-4146	343	10	&	&	CCONJ
ajeer-4146	343	11	annim	annim	PROPN
ajeer-4146	343	12	,	,	PUNCT
ajeer-4146	343	13	s.	s.	PROPN
ajeer-4146	343	14	k.	k.	PROPN
ajeer-4146	343	15	(	(	PUNCT
ajeer-4146	343	16	2010	2010	NUM
ajeer-4146	343	17	)	)	PUNCT
ajeer-4146	343	18	.	.	PUNCT
ajeer-4146	344	1	microfinance	microfinance	NOUN
ajeer-4146	344	2	and	and	CCONJ
ajeer-4146	344	3	household	household	NOUN
ajeer-4146	344	4	poverty	poverty	NOUN
ajeer-4146	344	5	reduction	reduction	NOUN
ajeer-4146	344	6	:	:	PUNCT
ajeer-4146	344	7	new	new	ADJ
ajeer-4146	344	8	evidence	evidence	NOUN
ajeer-4146	344	9	from	from	ADP
ajeer-4146	344	10	india	india	PROPN
ajeer-4146	344	11	.	.	PUNCT
ajeer-4146	345	1	world	world	PROPN
ajeer-4146	345	2	development	development	PROPN
ajeer-4146	345	3	,	,	PUNCT
ajeer-4146	345	4	38(12	38(12	NUM
ajeer-4146	345	5	)	)	PUNCT
ajeer-4146	345	6	,	,	PUNCT
ajeer-4146	345	7	1760-1773.available	1760-1773.available	ADJ
ajeer-4146	345	8	at	at	ADP
ajeer-4146	345	9	:	:	PUNCT
ajeer-4146	345	10	https://doi.org/10.1016/j.worlddev.2010.04.006	https://doi.org/10.1016/j.worlddev.2010.04.006	NOUN
ajeer-4146	345	11	.	.	PUNCT
ajeer-4146	346	1	mohammed	mohammed	PROPN
ajeer-4146	346	2	,	,	PUNCT
ajeer-4146	346	3	j.	j.	PROPN
ajeer-4146	346	4	i.	i.	PROPN
ajeer-4146	346	5	,	,	PUNCT
ajeer-4146	346	6	mensah	mensah	PROPN
ajeer-4146	346	7	,	,	PUNCT
ajeer-4146	346	8	l.	l.	PROPN
ajeer-4146	346	9	,	,	PUNCT
ajeer-4146	346	10	&	&	CCONJ
ajeer-4146	346	11	gyeke	gyeke	PROPN
ajeer-4146	346	12	-	-	PUNCT
ajeer-4146	346	13	dako	dako	PROPN
ajeer-4146	346	14	,	,	PUNCT
ajeer-4146	346	15	a.	a.	NOUN
ajeer-4146	346	16	(	(	PUNCT
ajeer-4146	346	17	2017	2017	NUM
ajeer-4146	346	18	)	)	PUNCT
ajeer-4146	346	19	.	.	PUNCT
ajeer-4146	347	1	financial	financial	ADJ
ajeer-4146	347	2	inclusion	inclusion	NOUN
ajeer-4146	347	3	and	and	CCONJ
ajeer-4146	347	4	poverty	poverty	NOUN
ajeer-4146	347	5	reduction	reduction	NOUN
ajeer-4146	347	6	in	in	ADP
ajeer-4146	347	7	sub	sub	ADJ
ajeer-4146	347	8	-	-	ADJ
ajeer-4146	347	9	saharan	saharan	ADJ
ajeer-4146	347	10	africa	africa	PROPN
ajeer-4146	347	11	.	.	PUNCT
ajeer-4146	348	1	african	african	ADJ
ajeer-4146	348	2	finance	finance	PROPN
ajeer-4146	348	3	journal	journal	NOUN
ajeer-4146	348	4	,	,	PUNCT
ajeer-4146	348	5	19(1	19(1	NUM
ajeer-4146	348	6	)	)	PUNCT
ajeer-4146	348	7	,	,	PUNCT
ajeer-4146	348	8	1–22	1–22	NOUN
ajeer-4146	348	9	.	.	PUNCT
ajeer-4146	349	1	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.194.5270&rep=rep1&type=pdf	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.194.5270&rep=rep1&type=pdf	NOUN
ajeer-4146	349	2	http://www.scirp.org/(s(czeh2tfqw2orz553k1w0r45))/reference/referencespapers.aspx?referenceid=3040514	http://www.scirp.org/(s(czeh2tfqw2orz553k1w0r45))/reference/referencespapers.aspx?referenceid=3040514	NOUN
ajeer-4146	349	3	http://dx.doi.org/10.1257/app.5.1.163	http://dx.doi.org/10.1257/app.5.1.163	ADJ
ajeer-4146	349	4	asian	asian	ADJ
ajeer-4146	349	5	journal	journal	NOUN
ajeer-4146	349	6	of	of	ADP
ajeer-4146	349	7	economics	economic	NOUN
ajeer-4146	349	8	and	and	CCONJ
ajeer-4146	349	9	empirical	empirical	ADJ
ajeer-4146	349	10	research	research	NOUN
ajeer-4146	349	11	,	,	PUNCT
ajeer-4146	349	12	2022	2022	NUM
ajeer-4146	349	13	,	,	PUNCT
ajeer-4146	349	14	9(2	9(2	NUM
ajeer-4146	349	15	):	):	PUNCT
ajeer-4146	349	16	121	121	NUM
ajeer-4146	349	17	-	-	SYM
ajeer-4146	349	18	131	131	NUM
ajeer-4146	349	19	131	131	NUM
ajeer-4146	349	20	©	©	PROPN
ajeer-4146	349	21	2022	2022	NUM
ajeer-4146	349	22	by	by	ADP
ajeer-4146	349	23	the	the	DET
ajeer-4146	349	24	authors	author	NOUN
ajeer-4146	349	25	;	;	PUNCT
ajeer-4146	349	26	licensee	licensee	PROPN
ajeer-4146	349	27	asian	asian	ADJ
ajeer-4146	349	28	online	online	PROPN
ajeer-4146	349	29	journal	journal	PROPN
ajeer-4146	349	30	publishing	publishing	PROPN
ajeer-4146	349	31	group	group	PROPN
ajeer-4146	349	32	park	park	PROPN
ajeer-4146	349	33	,	,	PUNCT
ajeer-4146	349	34	c.	c.	PROPN
ajeer-4146	349	35	y.	y.	PROPN
ajeer-4146	349	36	,	,	PUNCT
ajeer-4146	349	37	&	&	CCONJ
ajeer-4146	349	38	mercado	mercado	PROPN
ajeer-4146	349	39	,	,	PUNCT
ajeer-4146	349	40	r.	r.	PROPN
ajeer-4146	349	41	(	(	PUNCT
ajeer-4146	349	42	2015	2015	NUM
ajeer-4146	349	43	)	)	PUNCT
ajeer-4146	349	44	.	.	PUNCT
ajeer-4146	350	1	financial	financial	ADJ
ajeer-4146	350	2	inclusion	inclusion	NOUN
ajeer-4146	350	3	,	,	PUNCT
ajeer-4146	350	4	poverty	poverty	NOUN
ajeer-4146	350	5	,	,	PUNCT
ajeer-4146	350	6	and	and	CCONJ
ajeer-4146	350	7	income	income	NOUN
ajeer-4146	350	8	inequality	inequality	NOUN
ajeer-4146	350	9	in	in	ADP
ajeer-4146	350	10	developing	develop	VERB
ajeer-4146	350	11	asia	asia	PROPN
ajeer-4146	350	12	.	.	PUNCT
ajeer-4146	351	1	asian	asian	PROPN
ajeer-4146	351	2	development	development	PROPN
ajeer-4146	351	3	bank	bank	PROPN
ajeer-4146	351	4	economics	economics	PROPN
ajeer-4146	351	5	working	working	PROPN
ajeer-4146	351	6	paper	paper	NOUN
ajeer-4146	351	7	series	series	NOUN
ajeer-4146	351	8	,	,	PUNCT
ajeer-4146	351	9	no	no	INTJ
ajeer-4146	351	10	.	.	PUNCT
ajeer-4146	352	1	(	(	PUNCT
ajeer-4146	352	2	426	426	NUM
ajeer-4146	352	3	)	)	PUNCT
ajeer-4146	352	4	.	.	PUNCT
ajeer-4146	353	1	rosenbaum	rosenbaum	PROPN
ajeer-4146	353	2	,	,	PUNCT
ajeer-4146	353	3	p.	p.	PROPN
ajeer-4146	353	4	r.	r.	PROPN
ajeer-4146	353	5	,	,	PUNCT
ajeer-4146	353	6	&	&	CCONJ
ajeer-4146	353	7	rubin	rubin	PROPN
ajeer-4146	353	8	,	,	PUNCT
ajeer-4146	353	9	d.	d.	PROPN
ajeer-4146	353	10	b.	b.	PROPN
ajeer-4146	353	11	(	(	PUNCT
ajeer-4146	353	12	1983	1983	NUM
ajeer-4146	353	13	)	)	PUNCT
ajeer-4146	353	14	.	.	PUNCT
ajeer-4146	354	1	the	the	DET
ajeer-4146	354	2	central	central	ADJ
ajeer-4146	354	3	role	role	NOUN
ajeer-4146	354	4	of	of	ADP
ajeer-4146	354	5	the	the	DET
ajeer-4146	354	6	propensity	propensity	NOUN
ajeer-4146	354	7	score	score	NOUN
ajeer-4146	354	8	in	in	ADP
ajeer-4146	354	9	observational	observational	ADJ
ajeer-4146	354	10	studies	study	NOUN
ajeer-4146	354	11	for	for	ADP
ajeer-4146	354	12	causal	causal	ADJ
ajeer-4146	354	13	effects	effect	NOUN
ajeer-4146	354	14	.	.	PUNCT
ajeer-4146	355	1	biometrika	biometrika	NOUN
ajeer-4146	355	2	,	,	PUNCT
ajeer-4146	355	3	70(1	70(1	NOUN
ajeer-4146	355	4	)	)	PUNCT
ajeer-4146	355	5	,	,	PUNCT
ajeer-4146	355	6	41-55.available	41-55.available	ADJ
ajeer-4146	355	7	at	at	ADP
ajeer-4146	355	8	:	:	PUNCT
ajeer-4146	355	9	https://doi.org/10.1093/biomet/70.1.41	https://doi.org/10.1093/biomet/70.1.41	NOUN
ajeer-4146	355	10	.	.	PUNCT
ajeer-4146	356	1	sarma	sarma	NOUN
ajeer-4146	356	2	,	,	PUNCT
ajeer-4146	356	3	m.	m.	NOUN
ajeer-4146	356	4	(	(	PUNCT
ajeer-4146	356	5	2008	2008	NUM
ajeer-4146	356	6	)	)	PUNCT
ajeer-4146	356	7	.	.	PUNCT
ajeer-4146	357	1	index	index	NOUN
ajeer-4146	357	2	of	of	ADP
ajeer-4146	357	3	financial	financial	ADJ
ajeer-4146	357	4	inclusion	inclusion	NOUN
ajeer-4146	357	5	,	,	PUNCT
ajeer-4146	357	6	indian	indian	PROPN
ajeer-4146	357	7	council	council	PROPN
ajeer-4146	357	8	for	for	ADP
ajeer-4146	357	9	research	research	NOUN
ajeer-4146	357	10	on	on	ADP
ajeer-4146	357	11	international	international	ADJ
ajeer-4146	357	12	economic	economic	ADJ
ajeer-4146	357	13	relations	relation	NOUN
ajeer-4146	357	14	(	(	PUNCT
ajeer-4146	357	15	icrier	icrier	NOUN
ajeer-4146	357	16	)	)	PUNCT
ajeer-4146	357	17	(	(	PUNCT
ajeer-4146	357	18	tech	tech	NOUN
ajeer-4146	357	19	.	.	PUNCT
ajeer-4146	357	20	rep	rep	PROPN
ajeer-4146	357	21	.	.	PROPN
ajeer-4146	357	22	)	)	PUNCT
ajeer-4146	357	23	.	.	PUNCT
ajeer-4146	358	1	working	work	VERB
ajeer-4146	358	2	paper	paper	PROPN
ajeer-4146	358	3	no	no	INTJ
ajeer-4146	358	4	.	.	PROPN
ajeer-4146	359	1	215	215	NUM
ajeer-4146	359	2	.	.	X
ajeer-4146	359	3	sylli	sylli	PROPN
ajeer-4146	359	4	,	,	PUNCT
ajeer-4146	359	5	j.	j.	PROPN
ajeer-4146	359	6	h.	h.	PROPN
ajeer-4146	359	7	(	(	PUNCT
ajeer-4146	359	8	2012	2012	NUM
ajeer-4146	359	9	)	)	PUNCT
ajeer-4146	359	10	.	.	PUNCT
ajeer-4146	360	1	microcredit	microcredit	NOUN
ajeer-4146	360	2	in	in	ADP
ajeer-4146	360	3	the	the	DET
ajeer-4146	360	4	program	program	NOUN
ajeer-4146	360	5	to	to	PART
ajeer-4146	360	6	combat	combat	VERB
ajeer-4146	360	7	poverty	poverty	NOUN
ajeer-4146	360	8	among	among	ADP
ajeer-4146	360	9	women	woman	NOUN
ajeer-4146	360	10	in	in	ADP
ajeer-4146	360	11	benin	benin	PROPN
ajeer-4146	360	12	:	:	PUNCT
ajeer-4146	360	13	myth	myth	NOUN
ajeer-4146	360	14	or	or	CCONJ
ajeer-4146	360	15	reality	reality	NOUN
ajeer-4146	360	16	?	?	PUNCT
ajeer-4146	361	1	,	,	PUNCT
ajeer-4146	361	2	collection	collection	NOUN
ajeer-4146	361	3	:	:	PUNCT
ajeer-4146	361	4	theses	thesis	NOUN
ajeer-4146	361	5	and	and	CCONJ
ajeer-4146	361	6	dissertations	dissertation	NOUN
ajeer-4146	361	7	,	,	PUNCT
ajeer-4146	361	8	grantor	grantor	NOUN
ajeer-4146	361	9	.	.	PUNCT
ajeer-4146	362	1	timothy	timothy	PROPN
ajeer-4146	362	2	,	,	PUNCT
ajeer-4146	362	3	p.	p.	NOUN
ajeer-4146	362	4	o.	o.	PROPN
ajeer-4146	363	1	(	(	PUNCT
ajeer-4146	363	2	2019	2019	NUM
ajeer-4146	363	3	)	)	PUNCT
ajeer-4146	363	4	.	.	PUNCT
ajeer-4146	364	1	financial	financial	ADJ
ajeer-4146	364	2	inclusion	inclusion	NOUN
ajeer-4146	364	3	and	and	CCONJ
ajeer-4146	364	4	health	health	NOUN
ajeer-4146	364	5	shocks	shock	NOUN
ajeer-4146	364	6	:	:	PUNCT
ajeer-4146	364	7	a	a	DET
ajeer-4146	364	8	panel	panel	NOUN
ajeer-4146	364	9	data	data	VERB
ajeer-4146	364	10	analysis	analysis	NOUN
ajeer-4146	364	11	of	of	ADP
ajeer-4146	364	12	36	36	NUM
ajeer-4146	364	13	african	african	ADJ
ajeer-4146	364	14	countries	country	NOUN
ajeer-4146	364	15	.	.	PUNCT
ajeer-4146	365	1	asian	asian	ADJ
ajeer-4146	365	2	journal	journal	PROPN
ajeer-4146	365	3	of	of	ADP
ajeer-4146	365	4	economics	economic	NOUN
ajeer-4146	365	5	and	and	CCONJ
ajeer-4146	365	6	empirical	empirical	ADJ
ajeer-4146	365	7	research	research	NOUN
ajeer-4146	365	8	,	,	PUNCT
ajeer-4146	365	9	6(1	6(1	NUM
ajeer-4146	365	10	)	)	PUNCT
ajeer-4146	365	11	,	,	PUNCT
ajeer-4146	365	12	45-51.available	45-51.available	NUM
ajeer-4146	365	13	at	at	ADP
ajeer-4146	365	14	:	:	PUNCT
ajeer-4146	365	15	https://doi.org/10.20448/journal.501.2019.61.45.51	https://doi.org/10.20448/journal.501.2019.61.45.51	NUM
ajeer-4146	365	16	.	.	PUNCT
ajeer-4146	366	1	tita	tita	PROPN
ajeer-4146	366	2	,	,	PUNCT
ajeer-4146	366	3	a.	a.	PROPN
ajeer-4146	366	4	f.	f.	PROPN
ajeer-4146	366	5	,	,	PUNCT
ajeer-4146	366	6	&	&	CCONJ
ajeer-4146	366	7	aziakpono	aziakpono	PROPN
ajeer-4146	366	8	,	,	PUNCT
ajeer-4146	366	9	m.	m.	NOUN
ajeer-4146	366	10	j.	j.	PROPN
ajeer-4146	366	11	(	(	PUNCT
ajeer-4146	366	12	2017	2017	NUM
ajeer-4146	366	13	)	)	PUNCT
ajeer-4146	366	14	.	.	PUNCT
ajeer-4146	367	1	the	the	DET
ajeer-4146	367	2	effect	effect	NOUN
ajeer-4146	367	3	of	of	ADP
ajeer-4146	367	4	financial	financial	ADJ
ajeer-4146	367	5	inclusion	inclusion	NOUN
ajeer-4146	367	6	on	on	ADP
ajeer-4146	367	7	welfare	welfare	NOUN
ajeer-4146	367	8	in	in	ADP
ajeer-4146	367	9	sub	sub	ADJ
ajeer-4146	367	10	-	-	ADJ
ajeer-4146	367	11	saharan	saharan	ADJ
ajeer-4146	367	12	africa	africa	PROPN
ajeer-4146	367	13	:	:	PUNCT
ajeer-4146	367	14	evidence	evidence	NOUN
ajeer-4146	367	15	from	from	ADP
ajeer-4146	367	16	disaggregated	disaggregate	VERB
ajeer-4146	367	17	data	datum	NOUN
ajeer-4146	367	18	.	.	PUNCT
ajeer-4146	368	1	economic	economic	ADJ
ajeer-4146	368	2	research	research	PROPN
ajeer-4146	368	3	southern	southern	PROPN
ajeer-4146	368	4	africa	africa	PROPN
ajeer-4146	368	5	,	,	PUNCT
ajeer-4146	368	6	working	work	VERB
ajeer-4146	368	7	paper	paper	NOUN
ajeer-4146	368	8	no	no	INTJ
ajeer-4146	368	9	.	.	PROPN
ajeer-4146	368	10	679	679	NUM
ajeer-4146	368	11	.	.	PUNCT
ajeer-4146	369	1	zhang	zhang	PROPN
ajeer-4146	369	2	,	,	PUNCT
ajeer-4146	369	3	q.	q.	PROPN
ajeer-4146	369	4	,	,	PUNCT
ajeer-4146	369	5	&	&	CCONJ
ajeer-4146	369	6	posso	posso	PROPN
ajeer-4146	369	7	,	,	PUNCT
ajeer-4146	369	8	a.	a.	NOUN
ajeer-4146	369	9	(	(	PUNCT
ajeer-4146	369	10	2017	2017	NUM
ajeer-4146	369	11	)	)	PUNCT
ajeer-4146	369	12	.	.	PUNCT
ajeer-4146	370	1	thinking	think	VERB
ajeer-4146	370	2	inside	inside	ADP
ajeer-4146	370	3	the	the	DET
ajeer-4146	370	4	box	box	NOUN
ajeer-4146	370	5	:	:	PUNCT
ajeer-4146	370	6	a	a	DET
ajeer-4146	370	7	closer	close	ADJ
ajeer-4146	370	8	look	look	NOUN
ajeer-4146	370	9	at	at	ADP
ajeer-4146	370	10	financial	financial	ADJ
ajeer-4146	370	11	inclusion	inclusion	NOUN
ajeer-4146	370	12	and	and	CCONJ
ajeer-4146	370	13	household	household	NOUN
ajeer-4146	370	14	income	income	NOUN
ajeer-4146	370	15	.	.	PUNCT
ajeer-4146	371	1	journal	journal	PROPN
ajeer-4146	371	2	of	of	ADP
ajeer-4146	371	3	development	development	NOUN
ajeer-4146	371	4	studies	study	NOUN
ajeer-4146	371	5	,	,	PUNCT
ajeer-4146	371	6	55(7	55(7	NUM
ajeer-4146	371	7	)	)	PUNCT
ajeer-4146	371	8	,	,	PUNCT
ajeer-4146	371	9	1616-1631.available	1616-1631.available	NUM
ajeer-4146	371	10	at	at	ADP
ajeer-4146	371	11	:	:	PUNCT
ajeer-4146	371	12	https://doi.org/10.1080/00220388.2017.1380798	https://doi.org/10.1080/00220388.2017.1380798	PROPN
ajeer-4146	371	13	.	.	PUNCT
ajeer-4146	372	1	the	the	DET
ajeer-4146	372	2	asian	asian	ADJ
ajeer-4146	372	3	online	online	PROPN
ajeer-4146	372	4	journal	journal	PROPN
ajeer-4146	372	5	publishing	publishing	NOUN
ajeer-4146	372	6	group	group	NOUN
ajeer-4146	372	7	is	be	AUX
ajeer-4146	372	8	not	not	PART
ajeer-4146	372	9	responsible	responsible	ADJ
ajeer-4146	372	10	or	or	CCONJ
ajeer-4146	372	11	answerable	answerable	ADJ
ajeer-4146	372	12	for	for	ADP
ajeer-4146	372	13	any	any	DET
ajeer-4146	372	14	loss	loss	NOUN
ajeer-4146	372	15	,	,	PUNCT
ajeer-4146	372	16	damage	damage	NOUN
ajeer-4146	372	17	or	or	CCONJ
ajeer-4146	372	18	liability	liability	NOUN
ajeer-4146	372	19	,	,	PUNCT
ajeer-4146	372	20	etc	etc	X
ajeer-4146	372	21	.	.	X
ajeer-4146	372	22	,	,	PUNCT
ajeer-4146	372	23	caused	cause	VERB
ajeer-4146	372	24	in	in	ADP
ajeer-4146	372	25	relation	relation	NOUN
ajeer-4146	372	26	to	to	PART
ajeer-4146	372	27	/	/	SYM
ajeer-4146	372	28	arising	arise	VERB
ajeer-4146	372	29	from	from	ADP
ajeer-4146	372	30	the	the	DET
ajeer-4146	372	31	use	use	NOUN
ajeer-4146	372	32	of	of	ADP
ajeer-4146	372	33	the	the	DET
ajeer-4146	372	34	content	content	NOUN
ajeer-4146	372	35	.	.	PUNCT
ajeer-4146	373	1	any	any	DET
ajeer-4146	373	2	queries	query	NOUN
ajeer-4146	373	3	should	should	AUX
ajeer-4146	373	4	be	be	AUX
ajeer-4146	373	5	directed	direct	VERB
ajeer-4146	373	6	to	to	ADP
ajeer-4146	373	7	the	the	DET
ajeer-4146	373	8	corresponding	corresponding	ADJ
ajeer-4146	373	9	author	author	NOUN
ajeer-4146	373	10	of	of	ADP
ajeer-4146	373	11	the	the	DET
ajeer-4146	373	12	article	article	NOUN
ajeer-4146	373	13	.	.	PUNCT