id	keyword
ajeer-230	saccos
ajeer-230	inefficiency
ajeer-230	research
ajeer-230	study
ajeer-230	kenya
ajeer-230	slack
ajeer-230	variables
ajeer-230	journal
ajeer-230	nocf
ajeer-230	view
ajeer-230	data
ajeer-230	credit
ajeer-230	management
ajeer-230	output
ajeer-230	cash
ajeer-230	analysis
ajeer-230	performance
ajeer-230	economics
ajeer-230	operatives
ajeer-230	result
ajeer-230	regulation