id	sid	tid	token	lemma	pos
ajfa-5290	1	1	microsoft	microsoft	PROPN
ajfa-5290	1	2	word	word	NOUN
ajfa-5290	1	3	5290-19171-1-sm-writer2-new.doc	5290-19171-1-sm-writer2-new.doc	NUM
ajfa-5290	1	4	asian	asian	ADJ
ajfa-5290	1	5	journal	journal	NOUN
ajfa-5290	1	6	of	of	ADP
ajfa-5290	1	7	finance	finance	PROPN
ajfa-5290	1	8	&	&	CCONJ
ajfa-5290	1	9	accounting	accounting	PROPN
ajfa-5290	1	10	issn	issn	PROPN
ajfa-5290	1	11	1946	1946	NUM
ajfa-5290	1	12	-	-	PUNCT
ajfa-5290	1	13	052x	052x	PROPN
ajfa-5290	1	14	2014	2014	NUM
ajfa-5290	1	15	,	,	PUNCT
ajfa-5290	1	16	vol	vol	NOUN
ajfa-5290	1	17	.	.	PROPN
ajfa-5290	1	18	6	6	NUM
ajfa-5290	1	19	,	,	PUNCT
ajfa-5290	1	20	no	no	INTJ
ajfa-5290	1	21	.	.	NOUN
ajfa-5290	1	22	1	1	NUM
ajfa-5290	1	23	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-5290	1	24	198	198	NUM
ajfa-5290	1	25	variables	variable	NOUN
ajfa-5290	1	26	for	for	ADP
ajfa-5290	1	27	modeling	model	VERB
ajfa-5290	1	28	saccos	sacco	NOUN
ajfa-5290	1	29	in	in	ADP
ajfa-5290	1	30	tanzania	tanzania	PROPN
ajfa-5290	1	31	joseph	joseph	PROPN
ajfa-5290	1	32	john	john	PROPN
ajfa-5290	1	33	magali	magali	PROPN
ajfa-5290	1	34	accounting	accounting	PROPN
ajfa-5290	1	35	school	school	PROPN
ajfa-5290	1	36	,	,	PUNCT
ajfa-5290	1	37	dongbei	dongbei	VERB
ajfa-5290	1	38	university	university	PROPN
ajfa-5290	1	39	of	of	ADP
ajfa-5290	1	40	finance	finance	NOUN
ajfa-5290	1	41	and	and	CCONJ
ajfa-5290	1	42	economics	economic	NOUN
ajfa-5290	1	43	p.o	p.o	PROPN
ajfa-5290	1	44	box	box	PROPN
ajfa-5290	1	45	116025	116025	NUM
ajfa-5290	1	46	,	,	PUNCT
ajfa-5290	1	47	hei	hei	PROPN
ajfa-5290	1	48	shi	shi	PROPN
ajfa-5290	1	49	jiao	jiao	PROPN
ajfa-5290	1	50	,	,	PUNCT
ajfa-5290	1	51	dalian	dalian	PROPN
ajfa-5290	1	52	,	,	PUNCT
ajfa-5290	1	53	p.r	p.r	PROPN
ajfa-5290	1	54	china	china	PROPN
ajfa-5290	1	55	e	e	PROPN
ajfa-5290	1	56	-	-	NOUN
ajfa-5290	1	57	mail	mail	NOUN
ajfa-5290	1	58	:	:	PUNCT
ajfa-5290	1	59	josephmagali@yahoo.com	josephmagali@yahoo.com	PROPN
ajfa-5290	1	60	received	receive	VERB
ajfa-5290	1	61	:	:	PUNCT
ajfa-5290	1	62	march	march	PROPN
ajfa-5290	1	63	15	15	NUM
ajfa-5290	1	64	,	,	PUNCT
ajfa-5290	1	65	2014	2014	NUM
ajfa-5290	1	66	accepted	accept	VERB
ajfa-5290	1	67	:	:	PUNCT
ajfa-5290	1	68	april	april	PROPN
ajfa-5290	1	69	8	8	NUM
ajfa-5290	1	70	,	,	PUNCT
ajfa-5290	1	71	2014	2014	NUM
ajfa-5290	1	72	published	publish	VERB
ajfa-5290	1	73	:	:	PUNCT
ajfa-5290	1	74	june	june	PROPN
ajfa-5290	1	75	1	1	NUM
ajfa-5290	1	76	,	,	PUNCT
ajfa-5290	1	77	2014	2014	NUM
ajfa-5290	1	78	doi:10.5296	doi:10.5296	NOUN
ajfa-5290	1	79	/	/	SYM
ajfa-5290	1	80	ajfa.v6i1.5290	ajfa.v6i1.5290	NUM
ajfa-5290	1	81	url	url	NOUN
ajfa-5290	1	82	:	:	PUNCT
ajfa-5290	1	83	http://dx.doi.org/10.5296/ajfa.v6i1.5290	http://dx.doi.org/10.5296/ajfa.v6i1.5290	X
ajfa-5290	1	84	abstract	abstract	ADJ
ajfa-5290	1	85	in	in	ADP
ajfa-5290	1	86	order	order	NOUN
ajfa-5290	1	87	to	to	PART
ajfa-5290	1	88	publish	publish	VERB
ajfa-5290	1	89	a	a	DET
ajfa-5290	1	90	quality	quality	NOUN
ajfa-5290	1	91	article	article	NOUN
ajfa-5290	1	92	in	in	ADP
ajfa-5290	1	93	a	a	DET
ajfa-5290	1	94	journal	journal	NOUN
ajfa-5290	1	95	,	,	PUNCT
ajfa-5290	1	96	an	an	DET
ajfa-5290	1	97	author	author	NOUN
ajfa-5290	1	98	must	must	AUX
ajfa-5290	1	99	understand	understand	VERB
ajfa-5290	1	100	how	how	SCONJ
ajfa-5290	1	101	to	to	PART
ajfa-5290	1	102	apply	apply	VERB
ajfa-5290	1	103	the	the	DET
ajfa-5290	1	104	econometric	econometric	ADJ
ajfa-5290	1	105	skills	skill	NOUN
ajfa-5290	1	106	to	to	PART
ajfa-5290	1	107	construct	construct	VERB
ajfa-5290	1	108	models	model	NOUN
ajfa-5290	1	109	which	which	PRON
ajfa-5290	1	110	explain	explain	VERB
ajfa-5290	1	111	the	the	DET
ajfa-5290	1	112	relationship	relationship	NOUN
ajfa-5290	1	113	between	between	ADP
ajfa-5290	1	114	the	the	DET
ajfa-5290	1	115	independent	independent	ADJ
ajfa-5290	1	116	and	and	CCONJ
ajfa-5290	1	117	dependent	dependent	ADJ
ajfa-5290	1	118	variables	variable	NOUN
ajfa-5290	1	119	.	.	PUNCT
ajfa-5290	2	1	this	this	DET
ajfa-5290	2	2	study	study	NOUN
ajfa-5290	2	3	used	use	VERB
ajfa-5290	2	4	the	the	DET
ajfa-5290	2	5	literature	literature	NOUN
ajfa-5290	2	6	review	review	NOUN
ajfa-5290	2	7	to	to	PART
ajfa-5290	2	8	examine	examine	VERB
ajfa-5290	2	9	the	the	DET
ajfa-5290	2	10	variables	variable	NOUN
ajfa-5290	2	11	used	use	VERB
ajfa-5290	2	12	to	to	PART
ajfa-5290	2	13	establish	establish	VERB
ajfa-5290	2	14	relationship	relationship	NOUN
ajfa-5290	2	15	between	between	ADP
ajfa-5290	2	16	the	the	DET
ajfa-5290	2	17	independent	independent	ADJ
ajfa-5290	2	18	and	and	CCONJ
ajfa-5290	2	19	dependent	dependent	ADJ
ajfa-5290	2	20	variables	variable	NOUN
ajfa-5290	2	21	in	in	ADP
ajfa-5290	2	22	savings	saving	NOUN
ajfa-5290	2	23	and	and	CCONJ
ajfa-5290	2	24	credits	credit	NOUN
ajfa-5290	2	25	cooperative	cooperative	ADJ
ajfa-5290	2	26	societies	society	NOUN
ajfa-5290	2	27	(	(	PUNCT
ajfa-5290	2	28	saccos	saccos	PROPN
ajfa-5290	2	29	)	)	PUNCT
ajfa-5290	2	30	in	in	ADP
ajfa-5290	2	31	tanzania	tanzania	PROPN
ajfa-5290	2	32	.	.	PUNCT
ajfa-5290	3	1	the	the	DET
ajfa-5290	3	2	findings	finding	NOUN
ajfa-5290	3	3	reveal	reveal	VERB
ajfa-5290	3	4	that	that	SCONJ
ajfa-5290	3	5	currently	currently	ADV
ajfa-5290	3	6	few	few	ADJ
ajfa-5290	3	7	studies	study	NOUN
ajfa-5290	3	8	have	have	AUX
ajfa-5290	3	9	been	be	AUX
ajfa-5290	3	10	conducted	conduct	VERB
ajfa-5290	3	11	to	to	PART
ajfa-5290	3	12	model	model	VERB
ajfa-5290	3	13	saccos	saccos	PROPN
ajfa-5290	3	14	in	in	ADP
ajfa-5290	3	15	tanzania	tanzania	PROPN
ajfa-5290	3	16	and	and	CCONJ
ajfa-5290	3	17	scholars	scholar	NOUN
ajfa-5290	3	18	mostly	mostly	ADV
ajfa-5290	3	19	applied	apply	VERB
ajfa-5290	3	20	the	the	DET
ajfa-5290	3	21	regression	regression	NOUN
ajfa-5290	3	22	models	model	NOUN
ajfa-5290	3	23	.	.	PUNCT
ajfa-5290	4	1	moreover	moreover	ADV
ajfa-5290	4	2	,	,	PUNCT
ajfa-5290	4	3	the	the	DET
ajfa-5290	4	4	findings	finding	NOUN
ajfa-5290	4	5	show	show	VERB
ajfa-5290	4	6	that	that	SCONJ
ajfa-5290	4	7	most	most	ADJ
ajfa-5290	4	8	scholars	scholar	NOUN
ajfa-5290	4	9	have	have	AUX
ajfa-5290	4	10	empirically	empirically	ADV
ajfa-5290	4	11	studied	study	VERB
ajfa-5290	4	12	the	the	DET
ajfa-5290	4	13	outreach	outreach	NOUN
ajfa-5290	4	14	and	and	CCONJ
ajfa-5290	4	15	sustainability	sustainability	NOUN
ajfa-5290	4	16	of	of	ADP
ajfa-5290	4	17	saccos	saccos	PROPN
ajfa-5290	4	18	in	in	ADP
ajfa-5290	4	19	tanzania	tanzania	PROPN
ajfa-5290	4	20	compared	compare	VERB
ajfa-5290	4	21	to	to	ADP
ajfa-5290	4	22	other	other	ADJ
ajfa-5290	4	23	topics	topic	NOUN
ajfa-5290	4	24	.	.	PUNCT
ajfa-5290	5	1	the	the	DET
ajfa-5290	5	2	studies	study	NOUN
ajfa-5290	5	3	also	also	ADV
ajfa-5290	5	4	show	show	VERB
ajfa-5290	5	5	that	that	SCONJ
ajfa-5290	5	6	most	most	ADJ
ajfa-5290	5	7	of	of	ADP
ajfa-5290	5	8	issues	issue	NOUN
ajfa-5290	5	9	have	have	AUX
ajfa-5290	5	10	not	not	PART
ajfa-5290	5	11	been	be	AUX
ajfa-5290	5	12	addressed	address	VERB
ajfa-5290	5	13	in	in	ADP
ajfa-5290	5	14	the	the	DET
ajfa-5290	5	15	research	research	NOUN
ajfa-5290	5	16	.	.	PUNCT
ajfa-5290	6	1	this	this	DET
ajfa-5290	6	2	study	study	NOUN
ajfa-5290	6	3	recommends	recommend	VERB
ajfa-5290	6	4	that	that	SCONJ
ajfa-5290	6	5	financial	financial	ADJ
ajfa-5290	6	6	management	management	NOUN
ajfa-5290	6	7	researchers	researcher	NOUN
ajfa-5290	6	8	should	should	AUX
ajfa-5290	6	9	learn	learn	VERB
ajfa-5290	6	10	econometrics	econometrics	NOUN
ajfa-5290	6	11	so	so	SCONJ
ajfa-5290	6	12	that	that	SCONJ
ajfa-5290	6	13	they	they	PRON
ajfa-5290	6	14	might	might	AUX
ajfa-5290	6	15	gain	gain	VERB
ajfa-5290	6	16	skills	skill	NOUN
ajfa-5290	6	17	which	which	PRON
ajfa-5290	6	18	might	might	AUX
ajfa-5290	6	19	help	help	VERB
ajfa-5290	6	20	them	they	PRON
ajfa-5290	6	21	to	to	PART
ajfa-5290	6	22	model	model	VERB
ajfa-5290	6	23	saccos	saccos	PROPN
ajfa-5290	6	24	and	and	CCONJ
ajfa-5290	6	25	other	other	ADJ
ajfa-5290	6	26	mfis	mfis	PROPN
ajfa-5290	6	27	.	.	PUNCT
ajfa-5290	7	1	moreover	moreover	ADV
ajfa-5290	7	2	,	,	PUNCT
ajfa-5290	7	3	topics	topic	NOUN
ajfa-5290	7	4	which	which	PRON
ajfa-5290	7	5	were	be	AUX
ajfa-5290	7	6	not	not	PART
ajfa-5290	7	7	addressed	address	VERB
ajfa-5290	7	8	in	in	ADP
ajfa-5290	7	9	research	research	NOUN
ajfa-5290	7	10	should	should	AUX
ajfa-5290	7	11	be	be	AUX
ajfa-5290	7	12	given	give	VERB
ajfa-5290	7	13	priority	priority	NOUN
ajfa-5290	7	14	by	by	ADP
ajfa-5290	7	15	the	the	DET
ajfa-5290	7	16	researchers	researcher	NOUN
ajfa-5290	7	17	in	in	ADP
ajfa-5290	7	18	tanzania	tanzania	PROPN
ajfa-5290	7	19	and	and	CCONJ
ajfa-5290	7	20	in	in	ADP
ajfa-5290	7	21	other	other	ADJ
ajfa-5290	7	22	countries	country	NOUN
ajfa-5290	7	23	.	.	PUNCT
ajfa-5290	8	1	keywords	keyword	NOUN
ajfa-5290	8	2	:	:	PUNCT
ajfa-5290	8	3	variables	variable	NOUN
ajfa-5290	8	4	,	,	PUNCT
ajfa-5290	8	5	modeling	modeling	NOUN
ajfa-5290	8	6	,	,	PUNCT
ajfa-5290	8	7	saccos	saccos	PROPN
ajfa-5290	8	8	,	,	PUNCT
ajfa-5290	8	9	tanzania	tanzania	PROPN
ajfa-5290	8	10	asian	asian	PROPN
ajfa-5290	8	11	journal	journal	PROPN
ajfa-5290	8	12	of	of	ADP
ajfa-5290	8	13	finance	finance	PROPN
ajfa-5290	8	14	&	&	CCONJ
ajfa-5290	8	15	accounting	accounting	PROPN
ajfa-5290	8	16	issn	issn	PROPN
ajfa-5290	8	17	1946	1946	NUM
ajfa-5290	8	18	-	-	PUNCT
ajfa-5290	8	19	052x	052x	PROPN
ajfa-5290	8	20	2014	2014	NUM
ajfa-5290	8	21	,	,	PUNCT
ajfa-5290	8	22	vol	vol	NOUN
ajfa-5290	8	23	.	.	PROPN
ajfa-5290	9	1	6	6	NUM
ajfa-5290	9	2	,	,	PUNCT
ajfa-5290	9	3	no	no	INTJ
ajfa-5290	9	4	.	.	NOUN
ajfa-5290	9	5	1	1	NUM
ajfa-5290	9	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-5290	9	7	199	199	NUM
ajfa-5290	9	8	1	1	NUM
ajfa-5290	9	9	.	.	PUNCT
ajfa-5290	10	1	introduction	introduction	NOUN
ajfa-5290	10	2	1.1	1.1	NUM
ajfa-5290	10	3	background	background	NOUN
ajfa-5290	10	4	of	of	ADP
ajfa-5290	10	5	the	the	DET
ajfa-5290	10	6	study	study	NOUN
ajfa-5290	10	7	tanzania	tanzania	PROPN
ajfa-5290	10	8	is	be	AUX
ajfa-5290	10	9	one	one	NUM
ajfa-5290	10	10	of	of	ADP
ajfa-5290	10	11	the	the	DET
ajfa-5290	10	12	least	least	ADJ
ajfa-5290	10	13	developing	develop	VERB
ajfa-5290	10	14	countries	country	NOUN
ajfa-5290	10	15	located	locate	VERB
ajfa-5290	10	16	in	in	ADP
ajfa-5290	10	17	eastern	eastern	ADJ
ajfa-5290	10	18	part	part	NOUN
ajfa-5290	10	19	of	of	ADP
ajfa-5290	10	20	africa	africa	PROPN
ajfa-5290	10	21	with	with	ADP
ajfa-5290	10	22	a	a	DET
ajfa-5290	10	23	population	population	NOUN
ajfa-5290	10	24	of	of	ADP
ajfa-5290	10	25	44	44	NUM
ajfa-5290	10	26	million	million	NUM
ajfa-5290	10	27	.	.	PUNCT
ajfa-5290	11	1	liberalization	liberalization	NOUN
ajfa-5290	11	2	of	of	ADP
ajfa-5290	11	3	economy	economy	NOUN
ajfa-5290	11	4	in	in	ADP
ajfa-5290	11	5	tanzania	tanzania	PROPN
ajfa-5290	11	6	took	take	VERB
ajfa-5290	11	7	place	place	NOUN
ajfa-5290	11	8	in	in	ADP
ajfa-5290	11	9	1980s	1980s	NUM
ajfa-5290	11	10	where	where	SCONJ
ajfa-5290	11	11	the	the	DET
ajfa-5290	11	12	socialism	socialism	NOUN
ajfa-5290	11	13	policies	policy	NOUN
ajfa-5290	11	14	dominated	dominate	VERB
ajfa-5290	11	15	the	the	DET
ajfa-5290	11	16	economy	economy	NOUN
ajfa-5290	11	17	since	since	SCONJ
ajfa-5290	11	18	independence	independence	NOUN
ajfa-5290	11	19	in	in	ADP
ajfa-5290	11	20	1961	1961	NUM
ajfa-5290	11	21	.	.	PUNCT
ajfa-5290	12	1	majority	majority	NOUN
ajfa-5290	12	2	of	of	ADP
ajfa-5290	12	3	tanzanians	tanzanian	NOUN
ajfa-5290	12	4	(	(	PUNCT
ajfa-5290	12	5	more	more	ADJ
ajfa-5290	12	6	than	than	ADP
ajfa-5290	12	7	80	80	NUM
ajfa-5290	12	8	%	%	NOUN
ajfa-5290	12	9	)	)	PUNCT
ajfa-5290	12	10	engage	engage	VERB
ajfa-5290	12	11	in	in	ADP
ajfa-5290	12	12	peasant	peasant	ADJ
ajfa-5290	12	13	agricultural	agricultural	ADJ
ajfa-5290	12	14	production	production	NOUN
ajfa-5290	12	15	and	and	CCONJ
ajfa-5290	12	16	dwell	dwell	NOUN
ajfa-5290	12	17	in	in	ADP
ajfa-5290	12	18	rural	rural	ADJ
ajfa-5290	12	19	areas	area	NOUN
ajfa-5290	12	20	(	(	PUNCT
ajfa-5290	12	21	nbs	nbs	PROPN
ajfa-5290	12	22	2013	2013	NUM
ajfa-5290	12	23	)	)	PUNCT
ajfa-5290	12	24	.	.	PUNCT
ajfa-5290	13	1	savings	saving	NOUN
ajfa-5290	13	2	and	and	CCONJ
ajfa-5290	13	3	credits	credit	NOUN
ajfa-5290	13	4	cooperatives	cooperative	NOUN
ajfa-5290	13	5	societies	society	NOUN
ajfa-5290	13	6	(	(	PUNCT
ajfa-5290	13	7	saccos	sacco	NOUN
ajfa-5290	13	8	)	)	PUNCT
ajfa-5290	13	9	have	have	AUX
ajfa-5290	13	10	been	be	AUX
ajfa-5290	13	11	established	establish	VERB
ajfa-5290	13	12	since	since	SCONJ
ajfa-5290	13	13	1980s	1980	NOUN
ajfa-5290	13	14	after	after	ADP
ajfa-5290	13	15	liberalization	liberalization	NOUN
ajfa-5290	13	16	of	of	ADP
ajfa-5290	13	17	the	the	DET
ajfa-5290	13	18	financial	financial	ADJ
ajfa-5290	13	19	services	service	NOUN
ajfa-5290	13	20	(	(	PUNCT
ajfa-5290	13	21	maghimbi	maghimbi	NOUN
ajfa-5290	13	22	2010	2010	NUM
ajfa-5290	13	23	)	)	PUNCT
ajfa-5290	13	24	.	.	PUNCT
ajfa-5290	14	1	wangwe	wangwe	PROPN
ajfa-5290	14	2	(	(	PUNCT
ajfa-5290	14	3	2004	2004	NUM
ajfa-5290	14	4	)	)	PUNCT
ajfa-5290	14	5	asserted	assert	VERB
ajfa-5290	14	6	saccos	sacco	NOUN
ajfa-5290	14	7	have	have	AUX
ajfa-5290	14	8	helped	help	VERB
ajfa-5290	14	9	to	to	PART
ajfa-5290	14	10	provide	provide	VERB
ajfa-5290	14	11	the	the	DET
ajfa-5290	14	12	financial	financial	ADJ
ajfa-5290	14	13	services	service	NOUN
ajfa-5290	14	14	to	to	ADP
ajfa-5290	14	15	many	many	ADJ
ajfa-5290	14	16	clients	client	NOUN
ajfa-5290	14	17	who	who	PRON
ajfa-5290	14	18	the	the	DET
ajfa-5290	14	19	formal	formal	ADJ
ajfa-5290	14	20	financial	financial	ADJ
ajfa-5290	14	21	institutions	institution	NOUN
ajfa-5290	14	22	such	such	ADJ
ajfa-5290	14	23	as	as	ADP
ajfa-5290	14	24	banks	bank	NOUN
ajfa-5290	14	25	did	do	AUX
ajfa-5290	14	26	not	not	PART
ajfa-5290	14	27	serve	serve	VERB
ajfa-5290	14	28	them	they	PRON
ajfa-5290	14	29	.	.	PUNCT
ajfa-5290	15	1	hence	hence	ADV
ajfa-5290	15	2	saccos	saccos	PROPN
ajfa-5290	15	3	have	have	AUX
ajfa-5290	15	4	solved	solve	VERB
ajfa-5290	15	5	the	the	DET
ajfa-5290	15	6	problem	problem	NOUN
ajfa-5290	15	7	of	of	ADP
ajfa-5290	15	8	capital	capital	NOUN
ajfa-5290	15	9	inadequacy	inadequacy	NOUN
ajfa-5290	15	10	for	for	ADP
ajfa-5290	15	11	rural	rural	ADJ
ajfa-5290	15	12	people	people	NOUN
ajfa-5290	15	13	in	in	ADP
ajfa-5290	15	14	tanzania	tanzania	PROPN
ajfa-5290	15	15	.	.	PUNCT
ajfa-5290	16	1	qin	qin	PROPN
ajfa-5290	16	2	and	and	CCONJ
ajfa-5290	16	3	ndiege	ndiege	PROPN
ajfa-5290	16	4	(	(	PUNCT
ajfa-5290	16	5	2013	2013	NUM
ajfa-5290	16	6	)	)	PUNCT
ajfa-5290	16	7	and	and	CCONJ
ajfa-5290	16	8	bwana	bwana	PROPN
ajfa-5290	16	9	and	and	CCONJ
ajfa-5290	16	10	mwakujonga	mwakujonga	NOUN
ajfa-5290	16	11	(	(	PUNCT
ajfa-5290	16	12	2013	2013	NUM
ajfa-5290	16	13	)	)	PUNCT
ajfa-5290	16	14	revealed	reveal	VERB
ajfa-5290	16	15	that	that	SCONJ
ajfa-5290	16	16	saccos	saccos	PROPN
ajfa-5290	16	17	significantly	significantly	ADV
ajfa-5290	16	18	contribute	contribute	VERB
ajfa-5290	16	19	to	to	ADP
ajfa-5290	16	20	gdp	gdp	NOUN
ajfa-5290	16	21	of	of	ADP
ajfa-5290	16	22	tanzania	tanzania	PROPN
ajfa-5290	16	23	.	.	PUNCT
ajfa-5290	17	1	the	the	DET
ajfa-5290	17	2	government	government	NOUN
ajfa-5290	17	3	of	of	ADP
ajfa-5290	17	4	tanzania	tanzania	PROPN
ajfa-5290	17	5	promotes	promote	VERB
ajfa-5290	17	6	the	the	DET
ajfa-5290	17	7	establishment	establishment	NOUN
ajfa-5290	17	8	of	of	ADP
ajfa-5290	17	9	saccos	sacco	NOUN
ajfa-5290	17	10	even	even	ADV
ajfa-5290	17	11	to	to	ADP
ajfa-5290	17	12	very	very	ADV
ajfa-5290	17	13	remote	remote	ADJ
ajfa-5290	17	14	areas	area	NOUN
ajfa-5290	17	15	because	because	SCONJ
ajfa-5290	17	16	of	of	ADP
ajfa-5290	17	17	their	their	PRON
ajfa-5290	17	18	importance	importance	NOUN
ajfa-5290	17	19	contribution	contribution	NOUN
ajfa-5290	17	20	to	to	ADP
ajfa-5290	17	21	the	the	DET
ajfa-5290	17	22	country	country	NOUN
ajfa-5290	17	23	economy	economy	NOUN
ajfa-5290	17	24	(	(	PUNCT
ajfa-5290	17	25	wangwe	wangwe	PROPN
ajfa-5290	17	26	,	,	PUNCT
ajfa-5290	17	27	2004	2004	NUM
ajfa-5290	17	28	)	)	PUNCT
ajfa-5290	17	29	.	.	PUNCT
ajfa-5290	18	1	therefore	therefore	ADV
ajfa-5290	18	2	the	the	DET
ajfa-5290	18	3	saccos	saccos	PROPN
ajfa-5290	18	4	increase	increase	VERB
ajfa-5290	18	5	rapidly	rapidly	ADV
ajfa-5290	18	6	each	each	DET
ajfa-5290	18	7	year	year	NOUN
ajfa-5290	18	8	because	because	SCONJ
ajfa-5290	18	9	of	of	ADP
ajfa-5290	18	10	government	government	NOUN
ajfa-5290	18	11	sensitization	sensitization	NOUN
ajfa-5290	18	12	.	.	PUNCT
ajfa-5290	19	1	the	the	DET
ajfa-5290	19	2	total	total	ADJ
ajfa-5290	19	3	saccos	saccos	PROPN
ajfa-5290	19	4	in	in	ADP
ajfa-5290	19	5	tanzania	tanzania	PROPN
ajfa-5290	19	6	were	be	AUX
ajfa-5290	19	7	5,559	5,559	NUM
ajfa-5290	19	8	in	in	ADP
ajfa-5290	19	9	march	march	PROPN
ajfa-5290	19	10	2013	2013	NUM
ajfa-5290	19	11	whereas	whereas	SCONJ
ajfa-5290	19	12	the	the	DET
ajfa-5290	19	13	number	number	NOUN
ajfa-5290	19	14	of	of	ADP
ajfa-5290	19	15	members	member	NOUN
ajfa-5290	19	16	,	,	PUNCT
ajfa-5290	19	17	amount	amount	NOUN
ajfa-5290	19	18	of	of	ADP
ajfa-5290	19	19	shares	share	NOUN
ajfa-5290	19	20	,	,	PUNCT
ajfa-5290	19	21	savings	saving	NOUN
ajfa-5290	19	22	and	and	CCONJ
ajfa-5290	19	23	deposits	deposit	NOUN
ajfa-5290	19	24	were	be	AUX
ajfa-5290	19	25	1,153,248	1,153,248	NUM
ajfa-5290	19	26	and	and	CCONJ
ajfa-5290	19	27	463.5	463.5	NUM
ajfa-5290	19	28	billion	billion	NUM
ajfa-5290	19	29	tzs	tz	NOUN
ajfa-5290	19	30	respectively	respectively	ADV
ajfa-5290	19	31	(	(	PUNCT
ajfa-5290	19	32	moft	moft	PROPN
ajfa-5290	19	33	2013	2013	NUM
ajfa-5290	19	34	)	)	PUNCT
ajfa-5290	19	35	.	.	PUNCT
ajfa-5290	20	1	the	the	DET
ajfa-5290	20	2	government	government	NOUN
ajfa-5290	20	3	establishes	establish	VERB
ajfa-5290	20	4	various	various	ADJ
ajfa-5290	20	5	policies	policy	NOUN
ajfa-5290	20	6	and	and	CCONJ
ajfa-5290	20	7	regulations	regulation	NOUN
ajfa-5290	20	8	in	in	ADP
ajfa-5290	20	9	order	order	NOUN
ajfa-5290	20	10	to	to	PART
ajfa-5290	20	11	supervise	supervise	VERB
ajfa-5290	20	12	the	the	DET
ajfa-5290	20	13	saccos	sacco	NOUN
ajfa-5290	20	14	and	and	CCONJ
ajfa-5290	20	15	cooperatives	cooperative	NOUN
ajfa-5290	20	16	in	in	ADP
ajfa-5290	20	17	tanzania	tanzania	PROPN
ajfa-5290	20	18	.	.	PUNCT
ajfa-5290	21	1	based	base	VERB
ajfa-5290	21	2	on	on	ADP
ajfa-5290	21	3	the	the	DET
ajfa-5290	21	4	history	history	NOUN
ajfa-5290	21	5	,	,	PUNCT
ajfa-5290	21	6	the	the	DET
ajfa-5290	21	7	literatures	literature	NOUN
ajfa-5290	21	8	indicate	indicate	VERB
ajfa-5290	21	9	that	that	SCONJ
ajfa-5290	21	10	improper	improper	ADJ
ajfa-5290	21	11	management	management	NOUN
ajfa-5290	21	12	,	,	PUNCT
ajfa-5290	21	13	frauds	fraud	NOUN
ajfa-5290	21	14	,	,	PUNCT
ajfa-5290	21	15	inadequate	inadequate	ADJ
ajfa-5290	21	16	capital	capital	NOUN
ajfa-5290	21	17	,	,	PUNCT
ajfa-5290	21	18	business	business	NOUN
ajfa-5290	21	19	misconduct	misconduct	NOUN
ajfa-5290	21	20	and	and	CCONJ
ajfa-5290	21	21	non	non	ADJ
ajfa-5290	21	22	performing	perform	VERB
ajfa-5290	21	23	loans	loan	NOUN
ajfa-5290	21	24	(	(	PUNCT
ajfa-5290	21	25	npl	npl	NOUN
ajfa-5290	21	26	)	)	PUNCT
ajfa-5290	21	27	are	be	AUX
ajfa-5290	21	28	the	the	DET
ajfa-5290	21	29	problems	problem	NOUN
ajfa-5290	21	30	facing	face	VERB
ajfa-5290	21	31	cooperatives	cooperative	NOUN
ajfa-5290	21	32	and	and	CCONJ
ajfa-5290	21	33	saccos	saccos	PROPN
ajfa-5290	21	34	in	in	ADP
ajfa-5290	21	35	tanzania	tanzania	PROPN
ajfa-5290	21	36	(	(	PUNCT
ajfa-5290	21	37	tfc	tfc	PROPN
ajfa-5290	21	38	2006	2006	NUM
ajfa-5290	21	39	;	;	PUNCT
ajfa-5290	21	40	bibby	bibby	PROPN
ajfa-5290	21	41	2006	2006	NUM
ajfa-5290	21	42	;	;	PUNCT
ajfa-5290	21	43	maghimbi	maghimbi	NOUN
ajfa-5290	21	44	2010	2010	NUM
ajfa-5290	21	45	;	;	PUNCT
ajfa-5290	21	46	magali	magali	PROPN
ajfa-5290	21	47	2014	2014	NUM
ajfa-5290	21	48	)	)	PUNCT
ajfa-5290	21	49	.	.	PUNCT
ajfa-5290	22	1	various	various	ADJ
ajfa-5290	22	2	scholars	scholar	NOUN
ajfa-5290	22	3	have	have	AUX
ajfa-5290	22	4	designed	design	VERB
ajfa-5290	22	5	models	model	NOUN
ajfa-5290	22	6	which	which	PRON
ajfa-5290	22	7	accommodate	accommodate	VERB
ajfa-5290	22	8	different	different	ADJ
ajfa-5290	22	9	variables	variable	NOUN
ajfa-5290	22	10	to	to	PART
ajfa-5290	22	11	investigate	investigate	VERB
ajfa-5290	22	12	various	various	ADJ
ajfa-5290	22	13	issues	issue	NOUN
ajfa-5290	22	14	in	in	ADP
ajfa-5290	22	15	mfis	mfis	PROPN
ajfa-5290	22	16	.	.	PUNCT
ajfa-5290	23	1	the	the	DET
ajfa-5290	23	2	most	most	ADV
ajfa-5290	23	3	famous	famous	ADJ
ajfa-5290	23	4	models	model	NOUN
ajfa-5290	23	5	in	in	ADP
ajfa-5290	23	6	mfis	mfis	PROPN
ajfa-5290	23	7	measure	measure	NOUN
ajfa-5290	23	8	the	the	DET
ajfa-5290	23	9	performance	performance	NOUN
ajfa-5290	23	10	,	,	PUNCT
ajfa-5290	23	11	credits	credit	NOUN
ajfa-5290	23	12	risk	risk	NOUN
ajfa-5290	23	13	,	,	PUNCT
ajfa-5290	23	14	efficiency	efficiency	NOUN
ajfa-5290	23	15	,	,	PUNCT
ajfa-5290	23	16	impacts	impact	NOUN
ajfa-5290	23	17	,	,	PUNCT
ajfa-5290	23	18	outreach	outreach	NOUN
ajfa-5290	23	19	and	and	CCONJ
ajfa-5290	23	20	sustainability	sustainability	NOUN
ajfa-5290	23	21	.	.	PUNCT
ajfa-5290	24	1	scholars	scholar	NOUN
ajfa-5290	24	2	usually	usually	ADV
ajfa-5290	24	3	use	use	VERB
ajfa-5290	24	4	the	the	DET
ajfa-5290	24	5	variables	variable	NOUN
ajfa-5290	24	6	of	of	ADP
ajfa-5290	24	7	returns	return	NOUN
ajfa-5290	24	8	of	of	ADP
ajfa-5290	24	9	assets	asset	NOUN
ajfa-5290	24	10	or	or	CCONJ
ajfa-5290	24	11	equity	equity	NOUN
ajfa-5290	24	12	(	(	PUNCT
ajfa-5290	24	13	roa	roa	PROPN
ajfa-5290	24	14	,	,	PUNCT
ajfa-5290	24	15	roe	roe	NOUN
ajfa-5290	24	16	)	)	PUNCT
ajfa-5290	24	17	or	or	CCONJ
ajfa-5290	24	18	profitability	profitability	NOUN
ajfa-5290	24	19	to	to	PART
ajfa-5290	24	20	measure	measure	VERB
ajfa-5290	24	21	performance	performance	NOUN
ajfa-5290	24	22	while	while	SCONJ
ajfa-5290	24	23	they	they	PRON
ajfa-5290	24	24	use	use	VERB
ajfa-5290	24	25	npl	npl	NOUN
ajfa-5290	24	26	to	to	PART
ajfa-5290	24	27	measure	measure	VERB
ajfa-5290	24	28	the	the	DET
ajfa-5290	24	29	credits	credit	NOUN
ajfa-5290	24	30	risk	risk	NOUN
ajfa-5290	24	31	management	management	NOUN
ajfa-5290	24	32	.	.	PUNCT
ajfa-5290	25	1	moreover	moreover	ADV
ajfa-5290	25	2	,	,	PUNCT
ajfa-5290	25	3	they	they	PRON
ajfa-5290	25	4	use	use	VERB
ajfa-5290	25	5	inputs	input	NOUN
ajfa-5290	25	6	and	and	CCONJ
ajfa-5290	25	7	outputs	output	NOUN
ajfa-5290	25	8	to	to	PART
ajfa-5290	25	9	measure	measure	VERB
ajfa-5290	25	10	the	the	DET
ajfa-5290	25	11	efficiency	efficiency	NOUN
ajfa-5290	25	12	whereas	whereas	SCONJ
ajfa-5290	25	13	they	they	PRON
ajfa-5290	25	14	use	use	VERB
ajfa-5290	25	15	the	the	DET
ajfa-5290	25	16	livelihood	livelihood	NOUN
ajfa-5290	25	17	variables	variable	NOUN
ajfa-5290	25	18	to	to	PART
ajfa-5290	25	19	assess	assess	VERB
ajfa-5290	25	20	the	the	DET
ajfa-5290	25	21	efficiency	efficiency	NOUN
ajfa-5290	25	22	and	and	CCONJ
ajfa-5290	25	23	impacts	impact	NOUN
ajfa-5290	25	24	of	of	ADP
ajfa-5290	25	25	mfis	mfis	PROPN
ajfa-5290	25	26	.	.	PUNCT
ajfa-5290	26	1	furthermore	furthermore	ADV
ajfa-5290	26	2	,	,	PUNCT
ajfa-5290	26	3	authors	author	NOUN
ajfa-5290	26	4	use	use	VERB
ajfa-5290	26	5	the	the	DET
ajfa-5290	26	6	average	average	ADJ
ajfa-5290	26	7	loan	loan	NOUN
ajfa-5290	26	8	size	size	NOUN
ajfa-5290	26	9	,	,	PUNCT
ajfa-5290	26	10	number	number	NOUN
ajfa-5290	26	11	of	of	ADP
ajfa-5290	26	12	clients	client	NOUN
ajfa-5290	26	13	or	or	CCONJ
ajfa-5290	26	14	borrowers	borrower	NOUN
ajfa-5290	26	15	,	,	PUNCT
ajfa-5290	26	16	number	number	NOUN
ajfa-5290	26	17	of	of	ADP
ajfa-5290	26	18	female	female	ADJ
ajfa-5290	26	19	clients	client	NOUN
ajfa-5290	26	20	to	to	PART
ajfa-5290	26	21	measure	measure	VERB
ajfa-5290	26	22	the	the	DET
ajfa-5290	26	23	outreach	outreach	NOUN
ajfa-5290	26	24	but	but	CCONJ
ajfa-5290	26	25	they	they	PRON
ajfa-5290	26	26	use	use	VERB
ajfa-5290	26	27	roa	roa	PROPN
ajfa-5290	26	28	,	,	PUNCT
ajfa-5290	26	29	financial	financial	ADJ
ajfa-5290	26	30	self	self	NOUN
ajfa-5290	26	31	sustainability	sustainability	NOUN
ajfa-5290	26	32	(	(	PUNCT
ajfa-5290	26	33	fss	fss	NOUN
ajfa-5290	26	34	)	)	PUNCT
ajfa-5290	26	35	or	or	CCONJ
ajfa-5290	26	36	operational	operational	ADJ
ajfa-5290	26	37	self	self	NOUN
ajfa-5290	26	38	sustainability	sustainability	NOUN
ajfa-5290	26	39	(	(	PUNCT
ajfa-5290	26	40	oss	oss	NOUN
ajfa-5290	26	41	)	)	PUNCT
ajfa-5290	26	42	to	to	PART
ajfa-5290	26	43	measure	measure	VERB
ajfa-5290	26	44	financial	financial	ADJ
ajfa-5290	26	45	sustainability	sustainability	NOUN
ajfa-5290	26	46	of	of	ADP
ajfa-5290	26	47	mfis	mfis	PROPN
ajfa-5290	26	48	.	.	PUNCT
ajfa-5290	27	1	often	often	ADV
ajfa-5290	27	2	regression	regression	NOUN
ajfa-5290	27	3	models	model	NOUN
ajfa-5290	27	4	are	be	AUX
ajfa-5290	27	5	used	use	VERB
ajfa-5290	27	6	to	to	PART
ajfa-5290	27	7	measure	measure	VERB
ajfa-5290	27	8	the	the	DET
ajfa-5290	27	9	relationship	relationship	NOUN
ajfa-5290	27	10	between	between	ADP
ajfa-5290	27	11	independent	independent	ADJ
ajfa-5290	27	12	and	and	CCONJ
ajfa-5290	27	13	dependent	dependent	ADJ
ajfa-5290	27	14	variables	variable	NOUN
ajfa-5290	27	15	for	for	ADP
ajfa-5290	27	16	mfis	mfis	NOUN
ajfa-5290	27	17	when	when	SCONJ
ajfa-5290	27	18	measuring	measure	VERB
ajfa-5290	27	19	performance	performance	NOUN
ajfa-5290	27	20	,	,	PUNCT
ajfa-5290	27	21	credits	credit	NOUN
ajfa-5290	27	22	risk	risk	NOUN
ajfa-5290	27	23	,	,	PUNCT
ajfa-5290	27	24	efficiency	efficiency	NOUN
ajfa-5290	27	25	,	,	PUNCT
ajfa-5290	27	26	impacts	impact	NOUN
ajfa-5290	27	27	,	,	PUNCT
ajfa-5290	27	28	outreach	outreach	NOUN
ajfa-5290	27	29	and	and	CCONJ
ajfa-5290	27	30	sustainability	sustainability	NOUN
ajfa-5290	27	31	.	.	PUNCT
ajfa-5290	28	1	however	however	ADV
ajfa-5290	28	2	,	,	PUNCT
ajfa-5290	28	3	in	in	ADP
ajfa-5290	28	4	measuring	measure	VERB
ajfa-5290	28	5	efficiency	efficiency	NOUN
ajfa-5290	28	6	data	datum	NOUN
ajfa-5290	28	7	envelopment	envelopment	ADJ
ajfa-5290	28	8	analysis	analysis	NOUN
ajfa-5290	28	9	(	(	PUNCT
ajfa-5290	28	10	dea	dea	NOUN
ajfa-5290	28	11	)	)	PUNCT
ajfa-5290	28	12	model	model	NOUN
ajfa-5290	28	13	is	be	AUX
ajfa-5290	28	14	mostly	mostly	ADV
ajfa-5290	28	15	used	use	VERB
ajfa-5290	28	16	.	.	PUNCT
ajfa-5290	29	1	moreover	moreover	ADV
ajfa-5290	29	2	,	,	PUNCT
ajfa-5290	29	3	scholars	scholar	NOUN
ajfa-5290	29	4	use	use	VERB
ajfa-5290	29	5	the	the	DET
ajfa-5290	29	6	logistic	logistic	ADJ
ajfa-5290	29	7	regression	regression	NOUN
ajfa-5290	29	8	for	for	ADP
ajfa-5290	29	9	the	the	DET
ajfa-5290	29	10	models	model	NOUN
ajfa-5290	29	11	which	which	PRON
ajfa-5290	29	12	have	have	VERB
ajfa-5290	29	13	dichotomous	dichotomous	ADJ
ajfa-5290	29	14	outcomes	outcome	NOUN
ajfa-5290	29	15	.	.	PUNCT
ajfa-5290	30	1	some	some	DET
ajfa-5290	30	2	models	model	NOUN
ajfa-5290	30	3	measure	measure	VERB
ajfa-5290	30	4	the	the	DET
ajfa-5290	30	5	social	social	ADJ
ajfa-5290	30	6	performance	performance	NOUN
ajfa-5290	30	7	of	of	ADP
ajfa-5290	30	8	the	the	DET
ajfa-5290	30	9	mfis	mfis	NOUN
ajfa-5290	30	10	.	.	PUNCT
ajfa-5290	31	1	zeller	zeller	PROPN
ajfa-5290	31	2	et	et	PROPN
ajfa-5290	31	3	al	al	PROPN
ajfa-5290	31	4	(	(	PUNCT
ajfa-5290	31	5	2003	2003	NUM
ajfa-5290	31	6	)	)	PUNCT
ajfa-5290	31	7	asserted	assert	VERB
ajfa-5290	31	8	that	that	DET
ajfa-5290	31	9	outreach	outreach	NOUN
ajfa-5290	31	10	to	to	ADP
ajfa-5290	31	11	the	the	DET
ajfa-5290	31	12	poor	poor	ADJ
ajfa-5290	31	13	and	and	CCONJ
ajfa-5290	31	14	excluded	exclude	VERB
ajfa-5290	31	15	,	,	PUNCT
ajfa-5290	31	16	adaptation	adaptation	NOUN
ajfa-5290	31	17	of	of	ADP
ajfa-5290	31	18	the	the	DET
ajfa-5290	31	19	services	service	NOUN
ajfa-5290	31	20	and	and	CCONJ
ajfa-5290	31	21	products	product	NOUN
ajfa-5290	31	22	to	to	ADP
ajfa-5290	31	23	the	the	DET
ajfa-5290	31	24	target	target	NOUN
ajfa-5290	31	25	clients	client	NOUN
ajfa-5290	31	26	,	,	PUNCT
ajfa-5290	31	27	improving	improve	VERB
ajfa-5290	31	28	social	social	ADJ
ajfa-5290	31	29	and	and	CCONJ
ajfa-5290	31	30	political	political	ADJ
ajfa-5290	31	31	capital	capital	NOUN
ajfa-5290	31	32	of	of	ADP
ajfa-5290	31	33	clients	client	NOUN
ajfa-5290	31	34	and	and	CCONJ
ajfa-5290	31	35	communities	community	NOUN
ajfa-5290	31	36	and	and	CCONJ
ajfa-5290	31	37	social	social	ADJ
ajfa-5290	31	38	responsibility	responsibility	NOUN
ajfa-5290	31	39	are	be	AUX
ajfa-5290	31	40	the	the	DET
ajfa-5290	31	41	four	four	NUM
ajfa-5290	31	42	major	major	ADJ
ajfa-5290	31	43	dimensions	dimension	NOUN
ajfa-5290	31	44	of	of	ADP
ajfa-5290	31	45	the	the	DET
ajfa-5290	31	46	social	social	ADJ
ajfa-5290	31	47	performance	performance	NOUN
ajfa-5290	31	48	model	model	NOUN
ajfa-5290	31	49	of	of	ADP
ajfa-5290	31	50	mfis	mfis	PROPN
ajfa-5290	31	51	.	.	PUNCT
ajfa-5290	32	1	asian	asian	ADJ
ajfa-5290	32	2	journal	journal	PROPN
ajfa-5290	32	3	of	of	ADP
ajfa-5290	32	4	finance	finance	PROPN
ajfa-5290	32	5	&	&	CCONJ
ajfa-5290	32	6	accounting	accounting	PROPN
ajfa-5290	32	7	issn	issn	PROPN
ajfa-5290	32	8	1946	1946	NUM
ajfa-5290	32	9	-	-	PUNCT
ajfa-5290	32	10	052x	052x	PROPN
ajfa-5290	32	11	2014	2014	NUM
ajfa-5290	32	12	,	,	PUNCT
ajfa-5290	32	13	vol	vol	NOUN
ajfa-5290	32	14	.	.	PROPN
ajfa-5290	33	1	6	6	NUM
ajfa-5290	33	2	,	,	PUNCT
ajfa-5290	33	3	no	no	INTJ
ajfa-5290	33	4	.	.	NOUN
ajfa-5290	33	5	1	1	NUM
ajfa-5290	33	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-5290	33	7	200	200	NUM
ajfa-5290	33	8	in	in	ADP
ajfa-5290	33	9	mfis	mfis	PROPN
ajfa-5290	33	10	modeling	modeling	NOUN
ajfa-5290	33	11	,	,	PUNCT
ajfa-5290	33	12	one	one	NUM
ajfa-5290	33	13	model	model	NOUN
ajfa-5290	33	14	can	can	AUX
ajfa-5290	33	15	be	be	AUX
ajfa-5290	33	16	applied	apply	VERB
ajfa-5290	33	17	to	to	PART
ajfa-5290	33	18	examine	examine	VERB
ajfa-5290	33	19	the	the	DET
ajfa-5290	33	20	relationship	relationship	NOUN
ajfa-5290	33	21	between	between	ADP
ajfa-5290	33	22	the	the	DET
ajfa-5290	33	23	mfis	mfis	NOUN
ajfa-5290	33	24	variables	variable	NOUN
ajfa-5290	33	25	in	in	ADP
ajfa-5290	33	26	various	various	ADJ
ajfa-5290	33	27	circumstances	circumstance	NOUN
ajfa-5290	33	28	.	.	PUNCT
ajfa-5290	34	1	what	what	PRON
ajfa-5290	34	2	is	be	AUX
ajfa-5290	34	3	important	important	ADJ
ajfa-5290	34	4	is	be	AUX
ajfa-5290	34	5	the	the	DET
ajfa-5290	34	6	possession	possession	NOUN
ajfa-5290	34	7	of	of	ADP
ajfa-5290	34	8	knowledge	knowledge	NOUN
ajfa-5290	34	9	by	by	ADP
ajfa-5290	34	10	the	the	DET
ajfa-5290	34	11	applicant	applicant	NOUN
ajfa-5290	34	12	of	of	ADP
ajfa-5290	34	13	the	the	DET
ajfa-5290	34	14	model	model	NOUN
ajfa-5290	34	15	.	.	PUNCT
ajfa-5290	35	1	most	most	ADJ
ajfa-5290	35	2	scholars	scholar	NOUN
ajfa-5290	35	3	apply	apply	VERB
ajfa-5290	35	4	rules	rule	NOUN
ajfa-5290	35	5	based	base	VERB
ajfa-5290	35	6	scoring	scoring	NOUN
ajfa-5290	35	7	,	,	PUNCT
ajfa-5290	35	8	statistical	statistical	ADJ
ajfa-5290	35	9	method	method	NOUN
ajfa-5290	35	10	and	and	CCONJ
ajfa-5290	35	11	neural	neural	ADJ
ajfa-5290	35	12	network	network	NOUN
ajfa-5290	35	13	models	model	NOUN
ajfa-5290	35	14	for	for	ADP
ajfa-5290	35	15	modeling	modeling	NOUN
ajfa-5290	35	16	of	of	ADP
ajfa-5290	35	17	credits	credit	NOUN
ajfa-5290	35	18	risk	risk	NOUN
ajfa-5290	35	19	in	in	ADP
ajfa-5290	35	20	mfis	mfis	PROPN
ajfa-5290	35	21	(	(	PUNCT
ajfa-5290	35	22	sur	sur	PROPN
ajfa-5290	35	23	2008	2008	NUM
ajfa-5290	35	24	)	)	PUNCT
ajfa-5290	35	25	.	.	PUNCT
ajfa-5290	36	1	moreover	moreover	ADV
ajfa-5290	36	2	,	,	PUNCT
ajfa-5290	36	3	most	most	ADJ
ajfa-5290	36	4	scholars	scholar	NOUN
ajfa-5290	36	5	use	use	VERB
ajfa-5290	36	6	value	value	NOUN
ajfa-5290	36	7	at	at	ADP
ajfa-5290	36	8	risk	risk	NOUN
ajfa-5290	36	9	(	(	PUNCT
ajfa-5290	36	10	var	var	NOUN
ajfa-5290	36	11	)	)	PUNCT
ajfa-5290	36	12	to	to	PART
ajfa-5290	36	13	measure	measure	VERB
ajfa-5290	36	14	the	the	DET
ajfa-5290	36	15	market	market	NOUN
ajfa-5290	36	16	risks	risk	NOUN
ajfa-5290	36	17	of	of	ADP
ajfa-5290	36	18	stocks	stock	NOUN
ajfa-5290	36	19	and	and	CCONJ
ajfa-5290	36	20	other	other	ADJ
ajfa-5290	36	21	assets	asset	NOUN
ajfa-5290	36	22	(	(	PUNCT
ajfa-5290	36	23	alam	alam	PROPN
ajfa-5290	36	24	and	and	CCONJ
ajfa-5290	36	25	masukujjaman	masukujjaman	ADJ
ajfa-5290	36	26	2011	2011	NUM
ajfa-5290	36	27	)	)	PUNCT
ajfa-5290	36	28	.	.	PUNCT
ajfa-5290	37	1	salari	salari	PROPN
ajfa-5290	37	2	et	et	PROPN
ajfa-5290	37	3	al	al	PROPN
ajfa-5290	37	4	(	(	PUNCT
ajfa-5290	37	5	2012	2012	NUM
ajfa-5290	37	6	)	)	PUNCT
ajfa-5290	37	7	recommended	recommend	VERB
ajfa-5290	37	8	var	var	NOUN
ajfa-5290	37	9	for	for	ADP
ajfa-5290	37	10	measuring	measure	VERB
ajfa-5290	37	11	loans	loan	NOUN
ajfa-5290	37	12	portfolio	portfolio	NOUN
ajfa-5290	37	13	.	.	PUNCT
ajfa-5290	38	1	rouk	rouk	NOUN
ajfa-5290	38	2	(	(	PUNCT
ajfa-5290	38	3	2008	2008	NUM
ajfa-5290	38	4	)	)	PUNCT
ajfa-5290	38	5	argued	argue	VERB
ajfa-5290	38	6	that	that	SCONJ
ajfa-5290	38	7	credit	credit	NOUN
ajfa-5290	38	8	grades	grade	NOUN
ajfa-5290	38	9	model	model	NOUN
ajfa-5290	38	10	(	(	PUNCT
ajfa-5290	38	11	cgm	cgm	PROPN
ajfa-5290	38	12	)	)	PUNCT
ajfa-5290	38	13	calculate	calculate	VERB
ajfa-5290	38	14	the	the	DET
ajfa-5290	38	15	credits	credit	NOUN
ajfa-5290	38	16	risk	risk	NOUN
ajfa-5290	38	17	and	and	CCONJ
ajfa-5290	38	18	indicates	indicate	VERB
ajfa-5290	38	19	that	that	SCONJ
ajfa-5290	38	20	the	the	DET
ajfa-5290	38	21	loans	loan	NOUN
ajfa-5290	38	22	need	need	VERB
ajfa-5290	38	23	to	to	PART
ajfa-5290	38	24	be	be	AUX
ajfa-5290	38	25	impaired	impaired	ADJ
ajfa-5290	38	26	.	.	PUNCT
ajfa-5290	39	1	logistic	logistic	ADJ
ajfa-5290	39	2	regression	regression	NOUN
ajfa-5290	39	3	model	model	NOUN
ajfa-5290	39	4	was	be	AUX
ajfa-5290	39	5	used	use	VERB
ajfa-5290	39	6	by	by	ADP
ajfa-5290	39	7	vasanthi	vasanthi	NOUN
ajfa-5290	39	8	and	and	CCONJ
ajfa-5290	39	9	raja	raja	PROPN
ajfa-5290	39	10	(	(	PUNCT
ajfa-5290	39	11	2006	2006	NUM
ajfa-5290	39	12	)	)	PUNCT
ajfa-5290	39	13	in	in	ADP
ajfa-5290	39	14	measuring	measure	VERB
ajfa-5290	39	15	the	the	DET
ajfa-5290	39	16	credits	credit	NOUN
ajfa-5290	39	17	risks	risk	NOUN
ajfa-5290	39	18	for	for	ADP
ajfa-5290	39	19	state	state	NOUN
ajfa-5290	39	20	housing	housing	NOUN
ajfa-5290	39	21	authorities	authority	NOUN
ajfa-5290	39	22	in	in	ADP
ajfa-5290	39	23	australia	australia	PROPN
ajfa-5290	39	24	.	.	PUNCT
ajfa-5290	40	1	however	however	ADV
ajfa-5290	40	2	,	,	PUNCT
ajfa-5290	40	3	haque	haque	PROPN
ajfa-5290	40	4	et	et	PROPN
ajfa-5290	40	5	al	al	PROPN
ajfa-5290	40	6	(	(	PUNCT
ajfa-5290	40	7	2011	2011	NUM
ajfa-5290	40	8	)	)	PUNCT
ajfa-5290	40	9	applied	apply	VERB
ajfa-5290	40	10	the	the	DET
ajfa-5290	40	11	logistic	logistic	ADJ
ajfa-5290	40	12	regression	regression	NOUN
ajfa-5290	40	13	model	model	NOUN
ajfa-5290	40	14	to	to	PART
ajfa-5290	40	15	assess	assess	VERB
ajfa-5290	40	16	the	the	DET
ajfa-5290	40	17	impacts	impact	NOUN
ajfa-5290	40	18	of	of	ADP
ajfa-5290	40	19	a	a	DET
ajfa-5290	40	20	mfi	mfi	PROPN
ajfa-5290	40	21	to	to	ADP
ajfa-5290	40	22	the	the	DET
ajfa-5290	40	23	beneficiaries	beneficiary	NOUN
ajfa-5290	40	24	.	.	PUNCT
ajfa-5290	41	1	moreover	moreover	ADV
ajfa-5290	41	2	,	,	PUNCT
ajfa-5290	41	3	doreitnera	doreitnera	ADJ
ajfa-5290	41	4	and	and	CCONJ
ajfa-5290	41	5	pribernya	pribernya	ADJ
ajfa-5290	41	6	(	(	PUNCT
ajfa-5290	41	7	2011	2011	NUM
ajfa-5290	41	8	)	)	PUNCT
ajfa-5290	41	9	designed	design	VERB
ajfa-5290	41	10	a	a	DET
ajfa-5290	41	11	model	model	NOUN
ajfa-5290	41	12	to	to	PART
ajfa-5290	41	13	measure	measure	VERB
ajfa-5290	41	14	the	the	DET
ajfa-5290	41	15	probability	probability	NOUN
ajfa-5290	41	16	of	of	ADP
ajfa-5290	41	17	default	default	NOUN
ajfa-5290	41	18	in	in	ADP
ajfa-5290	41	19	mfis	mfis	NOUN
ajfa-5290	41	20	by	by	ADP
ajfa-5290	41	21	taking	take	VERB
ajfa-5290	41	22	into	into	ADP
ajfa-5290	41	23	consideration	consideration	NOUN
ajfa-5290	41	24	variables	variable	NOUN
ajfa-5290	41	25	from	from	ADP
ajfa-5290	41	26	the	the	DET
ajfa-5290	41	27	stock	stock	NOUN
ajfa-5290	41	28	markets	market	NOUN
ajfa-5290	41	29	.	.	PUNCT
ajfa-5290	42	1	likewise	likewise	ADV
ajfa-5290	42	2	,	,	PUNCT
ajfa-5290	42	3	some	some	DET
ajfa-5290	42	4	scholars	scholar	NOUN
ajfa-5290	42	5	use	use	VERB
ajfa-5290	42	6	multivariate	multivariate	NOUN
ajfa-5290	42	7	discriminant	discriminant	ADJ
ajfa-5290	42	8	analysis	analysis	NOUN
ajfa-5290	42	9	(	(	PUNCT
ajfa-5290	42	10	mda	mda	PROPN
ajfa-5290	42	11	)	)	PUNCT
ajfa-5290	42	12	to	to	PART
ajfa-5290	42	13	model	model	VERB
ajfa-5290	42	14	the	the	DET
ajfa-5290	42	15	credits	credit	NOUN
ajfa-5290	42	16	risk	risk	NOUN
ajfa-5290	42	17	of	of	ADP
ajfa-5290	42	18	default	default	NOUN
ajfa-5290	42	19	in	in	ADP
ajfa-5290	42	20	banks	bank	NOUN
ajfa-5290	42	21	(	(	PUNCT
ajfa-5290	42	22	castagnolo	castagnolo	NOUN
ajfa-5290	42	23	and	and	CCONJ
ajfa-5290	42	24	ferro	ferro	ADJ
ajfa-5290	42	25	2014	2014	NUM
ajfa-5290	42	26	;	;	PUNCT
ajfa-5290	42	27	raj	raj	PROPN
ajfa-5290	42	28	and	and	CCONJ
ajfa-5290	42	29	sindhu	sindhu	PROPN
ajfa-5290	42	30	2013	2013	NUM
ajfa-5290	42	31	;	;	PUNCT
ajfa-5290	42	32	chijoriga	chijoriga	ADV
ajfa-5290	42	33	2011	2011	NUM
ajfa-5290	42	34	)	)	PUNCT
ajfa-5290	42	35	.	.	PUNCT
ajfa-5290	43	1	moreover	moreover	ADV
ajfa-5290	43	2	,	,	PUNCT
ajfa-5290	43	3	some	some	DET
ajfa-5290	43	4	authors	author	NOUN
ajfa-5290	43	5	use	use	VERB
ajfa-5290	43	6	the	the	DET
ajfa-5290	43	7	bayesian	bayesian	NOUN
ajfa-5290	43	8	models	model	NOUN
ajfa-5290	43	9	to	to	PART
ajfa-5290	43	10	predict	predict	VERB
ajfa-5290	43	11	the	the	DET
ajfa-5290	43	12	credits	credit	NOUN
ajfa-5290	43	13	probability	probability	NOUN
ajfa-5290	43	14	of	of	ADP
ajfa-5290	43	15	default	default	NOUN
ajfa-5290	43	16	in	in	ADP
ajfa-5290	43	17	banks	bank	NOUN
ajfa-5290	43	18	and	and	CCONJ
ajfa-5290	43	19	mfis	mfis	PROPN
ajfa-5290	43	20	(	(	PUNCT
ajfa-5290	43	21	mileris	mileris	PROPN
ajfa-5290	43	22	2010	2010	NUM
ajfa-5290	43	23	;	;	PUNCT
ajfa-5290	43	24	figini	figini	VERB
ajfa-5290	43	25	and	and	CCONJ
ajfa-5290	43	26	giudici	giudici	NOUN
ajfa-5290	43	27	2013	2013	NUM
ajfa-5290	43	28	)	)	PUNCT
ajfa-5290	43	29	.	.	PUNCT
ajfa-5290	44	1	the	the	DET
ajfa-5290	44	2	list	list	NOUN
ajfa-5290	44	3	is	be	AUX
ajfa-5290	44	4	long	long	ADJ
ajfa-5290	44	5	,	,	PUNCT
ajfa-5290	44	6	however	however	ADV
ajfa-5290	44	7	the	the	DET
ajfa-5290	44	8	listed	listed	ADJ
ajfa-5290	44	9	examples	example	NOUN
ajfa-5290	44	10	show	show	VERB
ajfa-5290	44	11	that	that	SCONJ
ajfa-5290	44	12	scholars	scholar	NOUN
ajfa-5290	44	13	explain	explain	VERB
ajfa-5290	44	14	the	the	DET
ajfa-5290	44	15	relationship	relationship	NOUN
ajfa-5290	44	16	between	between	ADP
ajfa-5290	44	17	the	the	DET
ajfa-5290	44	18	mfis	mfis	NOUN
ajfa-5290	44	19	variables	variable	NOUN
ajfa-5290	44	20	by	by	ADP
ajfa-5290	44	21	designing	design	VERB
ajfa-5290	44	22	the	the	DET
ajfa-5290	44	23	new	new	ADJ
ajfa-5290	44	24	or	or	CCONJ
ajfa-5290	44	25	apply	apply	VERB
ajfa-5290	44	26	the	the	DET
ajfa-5290	44	27	existing	exist	VERB
ajfa-5290	44	28	models	model	NOUN
ajfa-5290	44	29	.	.	PUNCT
ajfa-5290	45	1	1.2	1.2	NUM
ajfa-5290	45	2	problem	problem	NOUN
ajfa-5290	45	3	statement	statement	NOUN
ajfa-5290	45	4	and	and	CCONJ
ajfa-5290	45	5	justification	justification	NOUN
ajfa-5290	45	6	the	the	DET
ajfa-5290	45	7	literatures	literature	NOUN
ajfa-5290	45	8	show	show	VERB
ajfa-5290	45	9	that	that	SCONJ
ajfa-5290	45	10	most	most	ADJ
ajfa-5290	45	11	scholars	scholar	NOUN
ajfa-5290	45	12	modeled	model	VERB
ajfa-5290	45	13	the	the	DET
ajfa-5290	45	14	credits	credit	NOUN
ajfa-5290	45	15	risk	risk	NOUN
ajfa-5290	45	16	in	in	ADP
ajfa-5290	45	17	banks	bank	NOUN
ajfa-5290	45	18	(	(	PUNCT
ajfa-5290	45	19	rouk	rouk	NOUN
ajfa-5290	45	20	2008	2008	NUM
ajfa-5290	45	21	;	;	PUNCT
ajfa-5290	45	22	abdou	abdou	PROPN
ajfa-5290	45	23	and	and	CCONJ
ajfa-5290	45	24	pointon	pointon	PROPN
ajfa-5290	45	25	2011	2011	NUM
ajfa-5290	45	26	;	;	PUNCT
ajfa-5290	45	27	lefcaditis	lefcaditis	PROPN
ajfa-5290	45	28	et	et	PROPN
ajfa-5290	45	29	al	al	PROPN
ajfa-5290	45	30	2011	2011	NUM
ajfa-5290	45	31	;	;	PUNCT
ajfa-5290	45	32	kruppa	kruppa	PROPN
ajfa-5290	45	33	et	et	PROPN
ajfa-5290	45	34	al	al	PROPN
ajfa-5290	45	35	2013	2013	NUM
ajfa-5290	45	36	)	)	PUNCT
ajfa-5290	45	37	.	.	PUNCT
ajfa-5290	46	1	however	however	ADV
ajfa-5290	46	2	,	,	PUNCT
ajfa-5290	46	3	few	few	ADJ
ajfa-5290	46	4	scholars	scholar	NOUN
ajfa-5290	46	5	modeled	model	VERB
ajfa-5290	46	6	the	the	DET
ajfa-5290	46	7	credits	credit	NOUN
ajfa-5290	46	8	risk	risk	NOUN
ajfa-5290	46	9	in	in	ADP
ajfa-5290	46	10	mfis	mfis	PROPN
ajfa-5290	46	11	(	(	PUNCT
ajfa-5290	46	12	doreitnera	doreitnera	ADJ
ajfa-5290	46	13	and	and	CCONJ
ajfa-5290	46	14	pribernya	pribernya	ADJ
ajfa-5290	46	15	2011	2011	NUM
ajfa-5290	46	16	;	;	PUNCT
ajfa-5290	46	17	kinda	kinda	ADV
ajfa-5290	46	18	and	and	CCONJ
ajfa-5290	46	19	achonu	achonu	VERB
ajfa-5290	46	20	2012	2012	NUM
ajfa-5290	46	21	;	;	PUNCT
ajfa-5290	46	22	elías	elías	PROPN
ajfa-5290	46	23	et	et	PROPN
ajfa-5290	46	24	al	al	PROPN
ajfa-5290	46	25	2012	2012	NUM
ajfa-5290	46	26	)	)	PUNCT
ajfa-5290	46	27	.	.	PUNCT
ajfa-5290	47	1	likewise	likewise	ADV
ajfa-5290	47	2	,	,	PUNCT
ajfa-5290	47	3	various	various	ADJ
ajfa-5290	47	4	empirical	empirical	ADJ
ajfa-5290	47	5	studies	study	NOUN
ajfa-5290	47	6	have	have	AUX
ajfa-5290	47	7	been	be	AUX
ajfa-5290	47	8	conducted	conduct	VERB
ajfa-5290	47	9	to	to	PART
ajfa-5290	47	10	assess	assess	VERB
ajfa-5290	47	11	the	the	DET
ajfa-5290	47	12	banks	bank	NOUN
ajfa-5290	47	13	and	and	CCONJ
ajfa-5290	47	14	mfis	mfis	NOUN
ajfa-5290	47	15	performance	performance	NOUN
ajfa-5290	47	16	,	,	PUNCT
ajfa-5290	47	17	efficiency	efficiency	NOUN
ajfa-5290	47	18	,	,	PUNCT
ajfa-5290	47	19	outreach	outreach	NOUN
ajfa-5290	47	20	and	and	CCONJ
ajfa-5290	47	21	sustainability	sustainability	NOUN
ajfa-5290	47	22	.	.	PUNCT
ajfa-5290	48	1	the	the	DET
ajfa-5290	48	2	literatures	literature	NOUN
ajfa-5290	48	3	also	also	ADV
ajfa-5290	48	4	show	show	VERB
ajfa-5290	48	5	that	that	SCONJ
ajfa-5290	48	6	saccos	saccos	PROPN
ajfa-5290	48	7	in	in	ADP
ajfa-5290	48	8	tanzania	tanzania	PROPN
ajfa-5290	48	9	are	be	AUX
ajfa-5290	48	10	important	important	ADJ
ajfa-5290	48	11	engine	engine	NOUN
ajfa-5290	48	12	for	for	ADP
ajfa-5290	48	13	the	the	DET
ajfa-5290	48	14	economic	economic	ADJ
ajfa-5290	48	15	growth	growth	NOUN
ajfa-5290	48	16	and	and	CCONJ
ajfa-5290	48	17	development	development	NOUN
ajfa-5290	48	18	.	.	PUNCT
ajfa-5290	49	1	moreover	moreover	ADV
ajfa-5290	49	2	,	,	PUNCT
ajfa-5290	49	3	the	the	DET
ajfa-5290	49	4	literatures	literature	NOUN
ajfa-5290	49	5	show	show	VERB
ajfa-5290	49	6	that	that	SCONJ
ajfa-5290	49	7	only	only	ADV
ajfa-5290	49	8	few	few	ADJ
ajfa-5290	49	9	empirical	empirical	ADJ
ajfa-5290	49	10	studies	study	NOUN
ajfa-5290	49	11	concerned	concern	VERB
ajfa-5290	49	12	saccos	sacco	NOUN
ajfa-5290	49	13	are	be	AUX
ajfa-5290	49	14	done	do	VERB
ajfa-5290	49	15	in	in	ADP
ajfa-5290	49	16	tanzania	tanzania	PROPN
ajfa-5290	49	17	.	.	PUNCT
ajfa-5290	50	1	likewise	likewise	ADV
ajfa-5290	50	2	,	,	PUNCT
ajfa-5290	50	3	most	most	ADJ
ajfa-5290	50	4	university	university	NOUN
ajfa-5290	50	5	academic	academic	ADJ
ajfa-5290	50	6	staff	staff	NOUN
ajfa-5290	50	7	specialized	specialize	VERB
ajfa-5290	50	8	in	in	ADP
ajfa-5290	50	9	finance	finance	NOUN
ajfa-5290	50	10	or	or	CCONJ
ajfa-5290	50	11	business	business	NOUN
ajfa-5290	50	12	management	management	NOUN
ajfa-5290	50	13	in	in	ADP
ajfa-5290	50	14	tanzania	tanzania	PROPN
ajfa-5290	50	15	do	do	AUX
ajfa-5290	50	16	n’t	not	PART
ajfa-5290	50	17	publish	publish	VERB
ajfa-5290	50	18	scientific	scientific	ADJ
ajfa-5290	50	19	papers	paper	NOUN
ajfa-5290	50	20	in	in	ADP
ajfa-5290	50	21	journals	journal	NOUN
ajfa-5290	50	22	because	because	SCONJ
ajfa-5290	50	23	they	they	PRON
ajfa-5290	50	24	lack	lack	VERB
ajfa-5290	50	25	skills	skill	NOUN
ajfa-5290	50	26	in	in	ADP
ajfa-5290	50	27	saccos	sacco	NOUN
ajfa-5290	50	28	or	or	CCONJ
ajfa-5290	50	29	mfis	mfis	VERB
ajfa-5290	50	30	modeling	modeling	NOUN
ajfa-5290	50	31	.	.	PUNCT
ajfa-5290	51	1	lack	lack	NOUN
ajfa-5290	51	2	of	of	ADP
ajfa-5290	51	3	skills	skill	NOUN
ajfa-5290	51	4	in	in	ADP
ajfa-5290	51	5	modeling	model	VERB
ajfa-5290	51	6	the	the	DET
ajfa-5290	51	7	mfis	mfis	PROPN
ajfa-5290	51	8	and	and	CCONJ
ajfa-5290	51	9	saccos	saccos	PROPN
ajfa-5290	51	10	variables	variable	NOUN
ajfa-5290	51	11	,	,	PUNCT
ajfa-5290	51	12	made	make	VERB
ajfa-5290	51	13	the	the	DET
ajfa-5290	51	14	university	university	NOUN
ajfa-5290	51	15	academic	academic	ADJ
ajfa-5290	51	16	staff	staff	NOUN
ajfa-5290	51	17	to	to	PART
ajfa-5290	51	18	stay	stay	VERB
ajfa-5290	51	19	in	in	ADP
ajfa-5290	51	20	their	their	PRON
ajfa-5290	51	21	academic	academic	ADJ
ajfa-5290	51	22	grades	grade	NOUN
ajfa-5290	51	23	for	for	ADP
ajfa-5290	51	24	long	long	ADJ
ajfa-5290	51	25	time	time	NOUN
ajfa-5290	51	26	(	(	PUNCT
ajfa-5290	51	27	some	some	PRON
ajfa-5290	51	28	for	for	ADP
ajfa-5290	51	29	more	more	ADJ
ajfa-5290	51	30	than	than	ADP
ajfa-5290	51	31	ten	ten	NUM
ajfa-5290	51	32	years	year	NOUN
ajfa-5290	51	33	)	)	PUNCT
ajfa-5290	51	34	.	.	PUNCT
ajfa-5290	52	1	furthermore	furthermore	ADV
ajfa-5290	52	2	,	,	PUNCT
ajfa-5290	52	3	many	many	ADJ
ajfa-5290	52	4	students	student	NOUN
ajfa-5290	52	5	who	who	PRON
ajfa-5290	52	6	are	be	AUX
ajfa-5290	52	7	doing	do	VERB
ajfa-5290	52	8	their	their	PRON
ajfa-5290	52	9	researches	research	NOUN
ajfa-5290	52	10	in	in	ADP
ajfa-5290	52	11	finance	finance	NOUN
ajfa-5290	52	12	or	or	CCONJ
ajfa-5290	52	13	financial	financial	ADJ
ajfa-5290	52	14	management	management	NOUN
ajfa-5290	52	15	especially	especially	ADV
ajfa-5290	52	16	at	at	ADP
ajfa-5290	52	17	undergraduate	undergraduate	NOUN
ajfa-5290	52	18	and	and	CCONJ
ajfa-5290	52	19	master	master	NOUN
ajfa-5290	52	20	levels	level	NOUN
ajfa-5290	52	21	in	in	ADP
ajfa-5290	52	22	tanzania	tanzania	PROPN
ajfa-5290	52	23	fail	fail	VERB
ajfa-5290	52	24	to	to	PART
ajfa-5290	52	25	structure	structure	VERB
ajfa-5290	52	26	their	their	PRON
ajfa-5290	52	27	studies	study	NOUN
ajfa-5290	52	28	empirically	empirically	ADV
ajfa-5290	52	29	because	because	SCONJ
ajfa-5290	52	30	they	they	PRON
ajfa-5290	52	31	do	do	AUX
ajfa-5290	52	32	n’t	not	PART
ajfa-5290	52	33	have	have	VERB
ajfa-5290	52	34	knowledge	knowledge	NOUN
ajfa-5290	52	35	and	and	CCONJ
ajfa-5290	52	36	skills	skill	NOUN
ajfa-5290	52	37	on	on	ADP
ajfa-5290	52	38	how	how	SCONJ
ajfa-5290	52	39	to	to	PART
ajfa-5290	52	40	model	model	VERB
ajfa-5290	52	41	the	the	DET
ajfa-5290	52	42	mfis	mfis	PROPN
ajfa-5290	52	43	or	or	CCONJ
ajfa-5290	52	44	saccos	sacco	NOUN
ajfa-5290	52	45	’	'	PUNCT
ajfa-5290	52	46	variables	variable	NOUN
ajfa-5290	52	47	.	.	PUNCT
ajfa-5290	53	1	thus	thus	ADV
ajfa-5290	53	2	they	they	PRON
ajfa-5290	53	3	only	only	ADV
ajfa-5290	53	4	design	design	VERB
ajfa-5290	53	5	their	their	PRON
ajfa-5290	53	6	studies	study	NOUN
ajfa-5290	53	7	qualitatively	qualitatively	ADV
ajfa-5290	53	8	or	or	CCONJ
ajfa-5290	53	9	descriptively	descriptively	ADV
ajfa-5290	53	10	.	.	PUNCT
ajfa-5290	54	1	therefore	therefore	ADV
ajfa-5290	54	2	,	,	PUNCT
ajfa-5290	54	3	this	this	DET
ajfa-5290	54	4	paper	paper	NOUN
ajfa-5290	54	5	describes	describe	VERB
ajfa-5290	54	6	how	how	SCONJ
ajfa-5290	54	7	to	to	PART
ajfa-5290	54	8	use	use	VERB
ajfa-5290	54	9	the	the	DET
ajfa-5290	54	10	saccos	saccos	PROPN
ajfa-5290	54	11	variables	variable	NOUN
ajfa-5290	54	12	to	to	PART
ajfa-5290	54	13	construct	construct	VERB
ajfa-5290	54	14	models	model	NOUN
ajfa-5290	54	15	.	.	PUNCT
ajfa-5290	55	1	the	the	DET
ajfa-5290	55	2	paper	paper	NOUN
ajfa-5290	55	3	might	might	AUX
ajfa-5290	55	4	be	be	AUX
ajfa-5290	55	5	very	very	ADV
ajfa-5290	55	6	useful	useful	ADJ
ajfa-5290	55	7	to	to	ADP
ajfa-5290	55	8	students	student	NOUN
ajfa-5290	55	9	and	and	CCONJ
ajfa-5290	55	10	university	university	NOUN
ajfa-5290	55	11	academic	academic	ADJ
ajfa-5290	55	12	staff	staff	NOUN
ajfa-5290	55	13	who	who	PRON
ajfa-5290	55	14	want	want	VERB
ajfa-5290	55	15	to	to	PART
ajfa-5290	55	16	model	model	VERB
ajfa-5290	55	17	saccos	saccos	PROPN
ajfa-5290	55	18	and	and	CCONJ
ajfa-5290	55	19	other	other	ADJ
ajfa-5290	55	20	mfis	mfis	PROPN
ajfa-5290	55	21	.	.	PUNCT
ajfa-5290	56	1	i	i	PRON
ajfa-5290	56	2	believe	believe	VERB
ajfa-5290	56	3	that	that	SCONJ
ajfa-5290	56	4	this	this	DET
ajfa-5290	56	5	paper	paper	NOUN
ajfa-5290	56	6	will	will	AUX
ajfa-5290	56	7	encourage	encourage	VERB
ajfa-5290	56	8	many	many	ADJ
ajfa-5290	56	9	students	student	NOUN
ajfa-5290	56	10	and	and	CCONJ
ajfa-5290	56	11	academic	academic	ADJ
ajfa-5290	56	12	staff	staff	NOUN
ajfa-5290	56	13	to	to	PART
ajfa-5290	56	14	conduct	conduct	VERB
ajfa-5290	56	15	the	the	DET
ajfa-5290	56	16	empirical	empirical	ADJ
ajfa-5290	56	17	quantative	quantative	ADJ
ajfa-5290	56	18	studies	study	NOUN
ajfa-5290	56	19	by	by	ADP
ajfa-5290	56	20	modeling	model	VERB
ajfa-5290	56	21	the	the	DET
ajfa-5290	56	22	mfis	mfis	PROPN
ajfa-5290	56	23	variables	variable	NOUN
ajfa-5290	56	24	which	which	PRON
ajfa-5290	56	25	is	be	AUX
ajfa-5290	56	26	a	a	DET
ajfa-5290	56	27	key	key	ADJ
ajfa-5290	56	28	step	step	NOUN
ajfa-5290	56	29	toward	toward	ADP
ajfa-5290	56	30	articles	article	NOUN
ajfa-5290	56	31	’	'	PUNCT
ajfa-5290	56	32	publication	publication	NOUN
ajfa-5290	56	33	.	.	PUNCT
ajfa-5290	57	1	2	2	X
ajfa-5290	57	2	.	.	X
ajfa-5290	57	3	literature	literature	NOUN
ajfa-5290	57	4	review	review	VERB
ajfa-5290	57	5	2.1	2.1	NUM
ajfa-5290	57	6	descriptive	descriptive	ADJ
ajfa-5290	57	7	and	and	CCONJ
ajfa-5290	57	8	qualitative	qualitative	ADJ
ajfa-5290	57	9	studies	study	NOUN
ajfa-5290	57	10	done	do	VERB
ajfa-5290	57	11	in	in	ADP
ajfa-5290	57	12	saccos	saccos	PROPN
ajfa-5290	57	13	outside	outside	ADP
ajfa-5290	57	14	tanzania	tanzania	PROPN
ajfa-5290	57	15	mostly	mostly	ADV
ajfa-5290	57	16	scholars	scholar	NOUN
ajfa-5290	57	17	analysed	analyse	VERB
ajfa-5290	57	18	the	the	DET
ajfa-5290	57	19	problems	problem	NOUN
ajfa-5290	57	20	in	in	ADP
ajfa-5290	57	21	saccos	sacco	NOUN
ajfa-5290	57	22	by	by	ADP
ajfa-5290	57	23	using	use	VERB
ajfa-5290	57	24	descriptive	descriptive	ADJ
ajfa-5290	57	25	and	and	CCONJ
ajfa-5290	57	26	qualitative	qualitative	ADJ
ajfa-5290	57	27	asian	asian	ADJ
ajfa-5290	57	28	journal	journal	NOUN
ajfa-5290	57	29	of	of	ADP
ajfa-5290	57	30	finance	finance	PROPN
ajfa-5290	57	31	&	&	CCONJ
ajfa-5290	57	32	accounting	accounting	PROPN
ajfa-5290	57	33	issn	issn	PROPN
ajfa-5290	57	34	1946	1946	NUM
ajfa-5290	57	35	-	-	PUNCT
ajfa-5290	57	36	052x	052x	PROPN
ajfa-5290	57	37	2014	2014	NUM
ajfa-5290	57	38	,	,	PUNCT
ajfa-5290	57	39	vol	vol	NOUN
ajfa-5290	57	40	.	.	PROPN
ajfa-5290	58	1	6	6	NUM
ajfa-5290	58	2	,	,	PUNCT
ajfa-5290	58	3	no	no	INTJ
ajfa-5290	58	4	.	.	NOUN
ajfa-5290	58	5	1	1	NUM
ajfa-5290	58	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-5290	58	7	201	201	NUM
ajfa-5290	58	8	analysis	analysis	NOUN
ajfa-5290	58	9	.	.	PUNCT
ajfa-5290	59	1	the	the	DET
ajfa-5290	59	2	following	follow	VERB
ajfa-5290	59	3	are	be	AUX
ajfa-5290	59	4	some	some	PRON
ajfa-5290	59	5	of	of	ADP
ajfa-5290	59	6	studies	study	NOUN
ajfa-5290	59	7	which	which	PRON
ajfa-5290	59	8	applied	apply	VERB
ajfa-5290	59	9	the	the	DET
ajfa-5290	59	10	descriptive	descriptive	ADJ
ajfa-5290	59	11	and	and	CCONJ
ajfa-5290	59	12	qualitative	qualitative	ADJ
ajfa-5290	59	13	analysis	analysis	NOUN
ajfa-5290	59	14	.	.	PUNCT
ajfa-5290	60	1	waweru	waweru	PROPN
ajfa-5290	60	2	(	(	PUNCT
ajfa-5290	60	3	2011	2011	NUM
ajfa-5290	60	4	)	)	PUNCT
ajfa-5290	60	5	investigated	investigate	VERB
ajfa-5290	60	6	the	the	DET
ajfa-5290	60	7	cash	cash	NOUN
ajfa-5290	60	8	balance	balance	NOUN
ajfa-5290	60	9	management	management	NOUN
ajfa-5290	60	10	approaches	approach	NOUN
ajfa-5290	60	11	for	for	ADP
ajfa-5290	60	12	kenya	kenya	PROPN
ajfa-5290	60	13	saccos	saccos	PROPN
ajfa-5290	60	14	at	at	ADP
ajfa-5290	60	15	nakuru	nakuru	PROPN
ajfa-5290	60	16	region	region	NOUN
ajfa-5290	60	17	.	.	PUNCT
ajfa-5290	61	1	fiorillo	fiorillo	NOUN
ajfa-5290	61	2	(	(	PUNCT
ajfa-5290	61	3	2006	2006	NUM
ajfa-5290	61	4	)	)	PUNCT
ajfa-5290	61	5	assessed	assess	VERB
ajfa-5290	61	6	the	the	DET
ajfa-5290	61	7	effects	effect	NOUN
ajfa-5290	61	8	of	of	ADP
ajfa-5290	61	9	wholesale	wholesale	ADJ
ajfa-5290	61	10	lending	lending	NOUN
ajfa-5290	61	11	to	to	ADP
ajfa-5290	61	12	saccos	saccos	PROPN
ajfa-5290	61	13	in	in	ADP
ajfa-5290	61	14	uganda	uganda	PROPN
ajfa-5290	61	15	.	.	PUNCT
ajfa-5290	62	1	sebhatu	sebhatu	PROPN
ajfa-5290	62	2	(	(	PUNCT
ajfa-5290	62	3	2011	2011	NUM
ajfa-5290	62	4	)	)	PUNCT
ajfa-5290	62	5	studied	study	VERB
ajfa-5290	62	6	the	the	DET
ajfa-5290	62	7	outreach	outreach	NOUN
ajfa-5290	62	8	and	and	CCONJ
ajfa-5290	62	9	sustainability	sustainability	NOUN
ajfa-5290	62	10	of	of	ADP
ajfa-5290	62	11	saccos	saccos	PROPN
ajfa-5290	62	12	in	in	ADP
ajfa-5290	62	13	ethiopia	ethiopia	PROPN
ajfa-5290	62	14	.	.	PUNCT
ajfa-5290	63	1	sharma	sharma	PROPN
ajfa-5290	63	2	et	et	PROPN
ajfa-5290	63	3	al	al	PROPN
ajfa-5290	63	4	(	(	PUNCT
ajfa-5290	63	5	2005	2005	NUM
ajfa-5290	63	6	)	)	PUNCT
ajfa-5290	63	7	assessed	assess	VERB
ajfa-5290	63	8	the	the	DET
ajfa-5290	63	9	impact	impact	NOUN
ajfa-5290	63	10	assessment	assessment	NOUN
ajfa-5290	63	11	of	of	ADP
ajfa-5290	63	12	saccos	saccos	PROPN
ajfa-5290	63	13	in	in	ADP
ajfa-5290	63	14	nepal	nepal	PROPN
ajfa-5290	63	15	’s	’s	PART
ajfa-5290	63	16	hill	hill	PROPN
ajfa-5290	63	17	district	district	NOUN
ajfa-5290	63	18	by	by	ADP
ajfa-5290	63	19	using	use	VERB
ajfa-5290	63	20	pra	pra	PROPN
ajfa-5290	63	21	and	and	CCONJ
ajfa-5290	63	22	descriptive	descriptive	ADJ
ajfa-5290	63	23	analysis	analysis	NOUN
ajfa-5290	63	24	.	.	PUNCT
ajfa-5290	64	1	matumo	matumo	PROPN
ajfa-5290	64	2	et	et	PROPN
ajfa-5290	64	3	al	al	PROPN
ajfa-5290	64	4	(	(	PUNCT
ajfa-5290	64	5	2013	2013	NUM
ajfa-5290	64	6	)	)	PUNCT
ajfa-5290	64	7	examined	examine	VERB
ajfa-5290	64	8	the	the	DET
ajfa-5290	64	9	impact	impact	NOUN
ajfa-5290	64	10	of	of	ADP
ajfa-5290	64	11	front	front	ADJ
ajfa-5290	64	12	office	office	NOUN
ajfa-5290	64	13	saccos	sacco	NOUN
ajfa-5290	64	14	’	'	PUNCT
ajfa-5290	64	15	activity	activity	NOUN
ajfa-5290	64	16	on	on	ADP
ajfa-5290	64	17	saccos	sacco	NOUN
ajfa-5290	64	18	’	'	PUNCT
ajfa-5290	64	19	performance	performance	NOUN
ajfa-5290	64	20	in	in	ADP
ajfa-5290	64	21	kenya	kenya	PROPN
ajfa-5290	64	22	.	.	PUNCT
ajfa-5290	65	1	odera	odera	NOUN
ajfa-5290	65	2	(	(	PUNCT
ajfa-5290	65	3	2012	2012	NUM
ajfa-5290	65	4	)	)	PUNCT
ajfa-5290	65	5	assessed	assess	VERB
ajfa-5290	65	6	the	the	DET
ajfa-5290	65	7	corporate	corporate	ADJ
ajfa-5290	65	8	governance	governance	NOUN
ajfa-5290	65	9	problems	problem	NOUN
ajfa-5290	65	10	saccos	saccos	PROPN
ajfa-5290	65	11	in	in	ADP
ajfa-5290	65	12	kenya	kenya	PROPN
ajfa-5290	65	13	.	.	PUNCT
ajfa-5290	66	1	friends	friend	NOUN
ajfa-5290	66	2	consult	consult	VERB
ajfa-5290	66	3	ltd	ltd	PROPN
ajfa-5290	66	4	(	(	PUNCT
ajfa-5290	66	5	n.d	n.d	PROPN
ajfa-5290	66	6	)	)	PUNCT
ajfa-5290	66	7	investigated	investigate	VERB
ajfa-5290	66	8	the	the	DET
ajfa-5290	66	9	delinquency	delinquency	NOUN
ajfa-5290	66	10	management	management	NOUN
ajfa-5290	66	11	for	for	ADP
ajfa-5290	66	12	the	the	DET
ajfa-5290	66	13	umurenge	umurenge	NOUN
ajfa-5290	66	14	saccos	saccos	PROPN
ajfa-5290	66	15	in	in	ADP
ajfa-5290	66	16	rwanda	rwanda	PROPN
ajfa-5290	66	17	.	.	PUNCT
ajfa-5290	67	1	gingrich	gingrich	PROPN
ajfa-5290	67	2	(	(	PUNCT
ajfa-5290	67	3	n.d	n.d	PROPN
ajfa-5290	67	4	)	)	PUNCT
ajfa-5290	67	5	examined	examine	VERB
ajfa-5290	67	6	a	a	DET
ajfa-5290	67	7	sustainable	sustainable	ADJ
ajfa-5290	67	8	means	mean	NOUN
ajfa-5290	67	9	for	for	ADP
ajfa-5290	67	10	microfinance	microfinance	NOUN
ajfa-5290	67	11	delivery	delivery	NOUN
ajfa-5290	67	12	for	for	ADP
ajfa-5290	67	13	community	community	NOUN
ajfa-5290	67	14	based	base	VERB
ajfa-5290	67	15	savings	saving	NOUN
ajfa-5290	67	16	and	and	CCONJ
ajfa-5290	67	17	credit	credit	NOUN
ajfa-5290	67	18	cooperatives	cooperative	NOUN
ajfa-5290	67	19	in	in	ADP
ajfa-5290	67	20	nepal	nepal	ADJ
ajfa-5290	67	21	while	while	SCONJ
ajfa-5290	67	22	hall	hall	NOUN
ajfa-5290	67	23	(	(	PUNCT
ajfa-5290	67	24	2005	2005	NUM
ajfa-5290	67	25	)	)	PUNCT
ajfa-5290	67	26	studied	study	VERB
ajfa-5290	67	27	the	the	DET
ajfa-5290	67	28	strengths	strength	NOUN
ajfa-5290	67	29	and	and	CCONJ
ajfa-5290	67	30	weaknesses	weakness	NOUN
ajfa-5290	67	31	of	of	ADP
ajfa-5290	67	32	koperasi	koperasi	PROPN
ajfa-5290	67	33	citra	citra	PROPN
ajfa-5290	67	34	lestari	lestari	PROPN
ajfa-5290	67	35	and	and	CCONJ
ajfa-5290	67	36	koperasi	koperasi	PROPN
ajfa-5290	67	37	mawar	mawar	PROPN
ajfa-5290	67	38	putih	putih	PROPN
ajfa-5290	67	39	savings	savings	PROPN
ajfa-5290	67	40	and	and	CCONJ
ajfa-5290	67	41	credit	credit	NOUN
ajfa-5290	67	42	cooperatives	cooperative	NOUN
ajfa-5290	67	43	microfinance	microfinance	NOUN
ajfa-5290	67	44	institutions	institution	NOUN
ajfa-5290	67	45	at	at	ADP
ajfa-5290	67	46	east	east	PROPN
ajfa-5290	67	47	java	java	PROPN
ajfa-5290	67	48	indonesia	indonesia	PROPN
ajfa-5290	67	49	.	.	PROPN
ajfa-5290	68	1	chahayo	chahayo	PROPN
ajfa-5290	68	2	et	et	PROPN
ajfa-5290	68	3	al	al	PROPN
ajfa-5290	68	4	(	(	PUNCT
ajfa-5290	68	5	2013	2013	NUM
ajfa-5290	68	6	)	)	PUNCT
ajfa-5290	68	7	analyzed	analyze	VERB
ajfa-5290	68	8	the	the	DET
ajfa-5290	68	9	reasons	reason	NOUN
ajfa-5290	68	10	for	for	ADP
ajfa-5290	68	11	financial	financial	ADJ
ajfa-5290	68	12	mismatch	mismatch	NOUN
ajfa-5290	68	13	in	in	ADP
ajfa-5290	68	14	saccos	saccos	PROPN
ajfa-5290	68	15	in	in	ADP
ajfa-5290	68	16	kenya	kenya	PROPN
ajfa-5290	68	17	.	.	PUNCT
ajfa-5290	69	1	mwangi	mwangi	PROPN
ajfa-5290	69	2	,	,	PUNCT
ajfa-5290	69	3	et	et	PROPN
ajfa-5290	69	4	al	al	PROPN
ajfa-5290	69	5	(	(	PUNCT
ajfa-5290	69	6	2013	2013	NUM
ajfa-5290	69	7	)	)	PUNCT
ajfa-5290	69	8	analysed	analyse	VERB
ajfa-5290	69	9	the	the	DET
ajfa-5290	69	10	role	role	NOUN
ajfa-5290	69	11	of	of	ADP
ajfa-5290	69	12	saccos	sacco	NOUN
ajfa-5290	69	13	in	in	ADP
ajfa-5290	69	14	growth	growth	NOUN
ajfa-5290	69	15	of	of	ADP
ajfa-5290	69	16	youth	youth	NOUN
ajfa-5290	69	17	entrepreneurship	entrepreneurship	NOUN
ajfa-5290	69	18	in	in	ADP
ajfa-5290	69	19	kenya	kenya	PROPN
ajfa-5290	69	20	.	.	PUNCT
ajfa-5290	70	1	mwangi	mwangi	PROPN
ajfa-5290	70	2	and	and	CCONJ
ajfa-5290	70	3	wanjau	wanjau	PROPN
ajfa-5290	70	4	(	(	PUNCT
ajfa-5290	70	5	2013	2013	NUM
ajfa-5290	70	6	)	)	PUNCT
ajfa-5290	70	7	examined	examine	VERB
ajfa-5290	70	8	the	the	DET
ajfa-5290	70	9	role	role	NOUN
ajfa-5290	70	10	of	of	ADP
ajfa-5290	70	11	sacco	sacco	NOUN
ajfa-5290	70	12	in	in	ADP
ajfa-5290	70	13	growth	growth	NOUN
ajfa-5290	70	14	of	of	ADP
ajfa-5290	70	15	youth	youth	NOUN
ajfa-5290	70	16	entrepreneurship	entrepreneurship	NOUN
ajfa-5290	70	17	in	in	ADP
ajfa-5290	70	18	kenya	kenya	PROPN
ajfa-5290	70	19	.	.	PUNCT
ajfa-5290	71	1	makori	makori	PROPN
ajfa-5290	71	2	et	et	PROPN
ajfa-5290	71	3	al	al	PROPN
ajfa-5290	71	4	(	(	PUNCT
ajfa-5290	71	5	2013	2013	NUM
ajfa-5290	71	6	)	)	PUNCT
ajfa-5290	71	7	studied	study	VERB
ajfa-5290	71	8	the	the	DET
ajfa-5290	71	9	challenges	challenge	NOUN
ajfa-5290	71	10	facing	face	VERB
ajfa-5290	71	11	deposit	deposit	NOUN
ajfa-5290	71	12	-	-	PUNCT
ajfa-5290	71	13	taking	take	VERB
ajfa-5290	71	14	saccos	saccos	ADJ
ajfa-5290	71	15	’	'	PUNCT
ajfa-5290	71	16	regulatory	regulatory	ADJ
ajfa-5290	71	17	compliance	compliance	NOUN
ajfa-5290	71	18	at	at	ADP
ajfa-5290	71	19	gusii	gusii	ADJ
ajfa-5290	71	20	region	region	NOUN
ajfa-5290	71	21	in	in	ADP
ajfa-5290	71	22	kenya	kenya	PROPN
ajfa-5290	71	23	and	and	CCONJ
ajfa-5290	71	24	ondieki	ondieki	PROPN
ajfa-5290	71	25	et	et	PROPN
ajfa-5290	71	26	al	al	PROPN
ajfa-5290	71	27	(	(	PUNCT
ajfa-5290	71	28	n.d	n.d	PROPN
ajfa-5290	71	29	)	)	PUNCT
ajfa-5290	71	30	assessed	assess	VERB
ajfa-5290	71	31	the	the	DET
ajfa-5290	71	32	effect	effect	NOUN
ajfa-5290	71	33	of	of	ADP
ajfa-5290	71	34	external	external	ADJ
ajfa-5290	71	35	financing	financing	NOUN
ajfa-5290	71	36	on	on	ADP
ajfa-5290	71	37	financial	financial	ADJ
ajfa-5290	71	38	performance	performance	NOUN
ajfa-5290	71	39	of	of	ADP
ajfa-5290	71	40	saccos	saccos	PROPN
ajfa-5290	71	41	at	at	ADP
ajfa-5290	71	42	kisii	kisii	ADJ
ajfa-5290	71	43	central	central	PROPN
ajfa-5290	71	44	district	district	PROPN
ajfa-5290	71	45	,	,	PUNCT
ajfa-5290	71	46	kenya	kenya	PROPN
ajfa-5290	71	47	.	.	PUNCT
ajfa-5290	72	1	the	the	DET
ajfa-5290	72	2	literatures	literature	NOUN
ajfa-5290	72	3	show	show	VERB
ajfa-5290	72	4	that	that	SCONJ
ajfa-5290	72	5	kenyan	kenyan	ADJ
ajfa-5290	72	6	scholars	scholar	NOUN
ajfa-5290	72	7	lead	lead	VERB
ajfa-5290	72	8	to	to	PART
ajfa-5290	72	9	study	study	VERB
ajfa-5290	72	10	about	about	ADP
ajfa-5290	72	11	saccos	sacco	NOUN
ajfa-5290	72	12	’	'	PUNCT
ajfa-5290	72	13	problems	problem	NOUN
ajfa-5290	72	14	.	.	PUNCT
ajfa-5290	73	1	2.2	2.2	NUM
ajfa-5290	73	2	quantative	quantative	ADJ
ajfa-5290	73	3	studies	study	NOUN
ajfa-5290	73	4	done	do	VERB
ajfa-5290	73	5	outside	outside	ADP
ajfa-5290	73	6	tanzania	tanzania	PROPN
ajfa-5290	73	7	scholars	scholar	NOUN
ajfa-5290	73	8	use	use	VERB
ajfa-5290	73	9	various	various	ADJ
ajfa-5290	73	10	models	model	NOUN
ajfa-5290	73	11	to	to	PART
ajfa-5290	73	12	study	study	VERB
ajfa-5290	73	13	issues	issue	NOUN
ajfa-5290	73	14	in	in	ADP
ajfa-5290	73	15	saccos	sacco	NOUN
ajfa-5290	73	16	.	.	PUNCT
ajfa-5290	74	1	awotide	awotide	ADV
ajfa-5290	74	2	et	et	PROPN
ajfa-5290	74	3	al	al	PROPN
ajfa-5290	74	4	(	(	PUNCT
ajfa-5290	74	5	n.d	n.d	PROPN
ajfa-5290	74	6	)	)	PUNCT
ajfa-5290	74	7	used	use	VERB
ajfa-5290	74	8	the	the	DET
ajfa-5290	74	9	queue	queue	NOUN
ajfa-5290	74	10	model	model	NOUN
ajfa-5290	74	11	to	to	PART
ajfa-5290	74	12	analyse	analyse	VERB
ajfa-5290	74	13	the	the	DET
ajfa-5290	74	14	effectiveness	effectiveness	NOUN
ajfa-5290	74	15	of	of	ADP
ajfa-5290	74	16	cooperative	cooperative	ADJ
ajfa-5290	74	17	societies	society	NOUN
ajfa-5290	74	18	’	'	PUNCT
ajfa-5290	74	19	in	in	ADP
ajfa-5290	74	20	delivering	deliver	VERB
ajfa-5290	74	21	credits	credit	NOUN
ajfa-5290	74	22	for	for	ADP
ajfa-5290	74	23	agricultural	agricultural	ADJ
ajfa-5290	74	24	enterprises	enterprise	NOUN
ajfa-5290	74	25	in	in	ADP
ajfa-5290	74	26	southwest	southwest	PROPN
ajfa-5290	74	27	nigeria	nigeria	PROPN
ajfa-5290	74	28	.	.	PUNCT
ajfa-5290	75	1	the	the	DET
ajfa-5290	75	2	three	three	NUM
ajfa-5290	75	3	variables	variable	NOUN
ajfa-5290	75	4	were	be	AUX
ajfa-5290	75	5	modeled	model	VERB
ajfa-5290	75	6	to	to	PART
ajfa-5290	75	7	measure	measure	VERB
ajfa-5290	75	8	the	the	DET
ajfa-5290	75	9	effectiveness	effectiveness	NOUN
ajfa-5290	75	10	of	of	ADP
ajfa-5290	75	11	credits	credit	NOUN
ajfa-5290	75	12	delivery	delivery	NOUN
ajfa-5290	75	13	as	as	SCONJ
ajfa-5290	75	14	follows	follow	VERB
ajfa-5290	75	15	:	:	PUNCT
ajfa-5290	75	16	time	time	NOUN
ajfa-5290	75	17	rivalnumberofar	rivalnumberofar	ADJ
ajfa-5290	75	18	earrivalrat	earrivalrat	NOUN
ajfa-5290	75	19	=	=	PROPN
ajfa-5290	75	20	time	time	NOUN
ajfa-5290	75	21	rvednumberofse	rvednumberofse	PROPN
ajfa-5290	75	22	eservicerat	eservicerat	PROPN
ajfa-5290	75	23	=	=	PROPN
ajfa-5290	75	24	eservicerat	eservicerat	NOUN
ajfa-5290	75	25	earrivalrat	earrivalrat	NOUN
ajfa-5290	75	26	ensitytraffic	ensitytraffic	PROPN
ajfa-5290	76	1	=	=	NOUN
ajfa-5290	76	2	int	int	NOUN
ajfa-5290	76	3	they	they	PRON
ajfa-5290	76	4	asserted	assert	VERB
ajfa-5290	76	5	that	that	SCONJ
ajfa-5290	76	6	arrival	arrival	NOUN
ajfa-5290	76	7	rate	rate	NOUN
ajfa-5290	76	8	depicts	depict	VERB
ajfa-5290	76	9	the	the	DET
ajfa-5290	76	10	number	number	NOUN
ajfa-5290	76	11	of	of	ADP
ajfa-5290	76	12	loan	loan	NOUN
ajfa-5290	76	13	request	request	NOUN
ajfa-5290	76	14	per	per	ADP
ajfa-5290	76	15	month	month	NOUN
ajfa-5290	76	16	,	,	PUNCT
ajfa-5290	76	17	the	the	DET
ajfa-5290	76	18	service	service	NOUN
ajfa-5290	76	19	rate	rate	NOUN
ajfa-5290	76	20	represents	represent	VERB
ajfa-5290	76	21	the	the	DET
ajfa-5290	76	22	number	number	NOUN
ajfa-5290	76	23	of	of	ADP
ajfa-5290	76	24	application	application	NOUN
ajfa-5290	76	25	accepted	accept	VERB
ajfa-5290	76	26	while	while	SCONJ
ajfa-5290	76	27	traffic	traffic	NOUN
ajfa-5290	76	28	intensity	intensity	NOUN
ajfa-5290	76	29	measures	measure	VERB
ajfa-5290	76	30	the	the	DET
ajfa-5290	76	31	efficiency	efficiency	NOUN
ajfa-5290	76	32	in	in	ADP
ajfa-5290	76	33	queue	queue	NOUN
ajfa-5290	76	34	management	management	NOUN
ajfa-5290	76	35	,	,	PUNCT
ajfa-5290	76	36	which	which	PRON
ajfa-5290	76	37	is	be	AUX
ajfa-5290	76	38	achieved	achieve	VERB
ajfa-5290	76	39	when	when	SCONJ
ajfa-5290	76	40	arrival	arrival	NOUN
ajfa-5290	76	41	rate	rate	NOUN
ajfa-5290	76	42	=	=	NOUN
ajfa-5290	76	43	service	service	NOUN
ajfa-5290	76	44	rate	rate	NOUN
ajfa-5290	76	45	.	.	PUNCT
ajfa-5290	77	1	lagat	lagat	PROPN
ajfa-5290	77	2	et	et	PROPN
ajfa-5290	77	3	al	al	PROPN
ajfa-5290	77	4	(	(	PUNCT
ajfa-5290	77	5	2013	2013	NUM
ajfa-5290	77	6	)	)	PUNCT
ajfa-5290	77	7	studied	study	VERB
ajfa-5290	77	8	the	the	DET
ajfa-5290	77	9	effects	effect	NOUN
ajfa-5290	77	10	of	of	ADP
ajfa-5290	77	11	credits	credit	NOUN
ajfa-5290	77	12	risk	risk	NOUN
ajfa-5290	77	13	management	management	NOUN
ajfa-5290	77	14	practices	practice	NOUN
ajfa-5290	77	15	on	on	ADP
ajfa-5290	77	16	lending	lend	VERB
ajfa-5290	77	17	portfolio	portfolio	NOUN
ajfa-5290	77	18	among	among	ADP
ajfa-5290	77	19	saccos	saccos	PROPN
ajfa-5290	77	20	in	in	ADP
ajfa-5290	77	21	kenya	kenya	PROPN
ajfa-5290	77	22	by	by	ADP
ajfa-5290	77	23	using	use	VERB
ajfa-5290	77	24	a	a	DET
ajfa-5290	77	25	multiple	multiple	ADJ
ajfa-5290	77	26	regression	regression	NOUN
ajfa-5290	77	27	model	model	NOUN
ajfa-5290	77	28	.	.	PUNCT
ajfa-5290	78	1	the	the	DET
ajfa-5290	78	2	portfolio	portfolio	NOUN
ajfa-5290	78	3	performance	performance	NOUN
ajfa-5290	78	4	(	(	PUNCT
ajfa-5290	78	5	pp	pp	ADV
ajfa-5290	78	6	)	)	PUNCT
ajfa-5290	78	7	was	be	AUX
ajfa-5290	78	8	used	use	VERB
ajfa-5290	78	9	as	as	ADP
ajfa-5290	78	10	a	a	DET
ajfa-5290	78	11	dependent	dependent	ADJ
ajfa-5290	78	12	variable	variable	NOUN
ajfa-5290	78	13	and	and	CCONJ
ajfa-5290	78	14	the	the	DET
ajfa-5290	78	15	independent	independent	ADJ
ajfa-5290	78	16	variables	variable	NOUN
ajfa-5290	78	17	were	be	AUX
ajfa-5290	78	18	:	:	PUNCT
ajfa-5290	78	19	risk	risk	NOUN
ajfa-5290	78	20	identification	identification	NOUN
ajfa-5290	78	21	(	(	PUNCT
ajfa-5290	78	22	ri	ri	NOUN
ajfa-5290	78	23	)	)	PUNCT
ajfa-5290	78	24	,	,	PUNCT
ajfa-5290	78	25	risk	risk	NOUN
ajfa-5290	78	26	assessment	assessment	NOUN
ajfa-5290	78	27	(	(	PUNCT
ajfa-5290	78	28	raa	raa	NOUN
ajfa-5290	78	29	)	)	PUNCT
ajfa-5290	78	30	,	,	PUNCT
ajfa-5290	78	31	risk	risk	NOUN
ajfa-5290	78	32	monitoring	monitoring	NOUN
ajfa-5290	78	33	(	(	PUNCT
ajfa-5290	78	34	rm	rm	NOUN
ajfa-5290	78	35	)	)	PUNCT
ajfa-5290	78	36	and	and	CCONJ
ajfa-5290	78	37	credit	credit	NOUN
ajfa-5290	78	38	risk	risk	NOUN
ajfa-5290	78	39	analysis	analysis	NOUN
ajfa-5290	78	40	(	(	PUNCT
ajfa-5290	78	41	cra	cra	PROPN
ajfa-5290	78	42	)	)	PUNCT
ajfa-5290	78	43	.	.	PUNCT
ajfa-5290	79	1	the	the	DET
ajfa-5290	79	2	model	model	NOUN
ajfa-5290	79	3	was	be	AUX
ajfa-5290	79	4	specified	specify	VERB
ajfa-5290	79	5	as	as	SCONJ
ajfa-5290	79	6	follows	follow	VERB
ajfa-5290	79	7	:	:	PUNCT
ajfa-5290	79	8	asian	asian	ADJ
ajfa-5290	79	9	journal	journal	NOUN
ajfa-5290	79	10	of	of	ADP
ajfa-5290	79	11	finance	finance	PROPN
ajfa-5290	79	12	&	&	CCONJ
ajfa-5290	79	13	accounting	accounting	PROPN
ajfa-5290	79	14	issn	issn	PROPN
ajfa-5290	79	15	1946	1946	NUM
ajfa-5290	79	16	-	-	PUNCT
ajfa-5290	79	17	052x	052x	PROPN
ajfa-5290	79	18	2014	2014	NUM
ajfa-5290	79	19	,	,	PUNCT
ajfa-5290	79	20	vol	vol	NOUN
ajfa-5290	79	21	.	.	PROPN
ajfa-5290	80	1	6	6	NUM
ajfa-5290	80	2	,	,	PUNCT
ajfa-5290	80	3	no	no	INTJ
ajfa-5290	80	4	.	.	NOUN
ajfa-5290	80	5	1	1	NUM
ajfa-5290	80	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-5290	80	7	202	202	NUM
ajfa-5290	80	8	iiiiii	iiiiii	PROPN
ajfa-5290	80	9	ecrarmraariurmpp	ecrarmraariurmpp	PROPN
ajfa-5290	81	1	+	+	PROPN
ajfa-5290	81	2	+	+	PROPN
ajfa-5290	81	3	+	+	ADJ
ajfa-5290	81	4	+	+	ADJ
ajfa-5290	81	5	+	+	ADJ
ajfa-5290	81	6	+	+	NOUN
ajfa-5290	81	7	=	=	SYM
ajfa-5290	81	8	543210	543210	NUM
ajfa-5290	81	9	ββββββ	ββββββ	VERB
ajfa-5290	81	10	where	where	SCONJ
ajfa-5290	81	11	0β	0β	NOUN
ajfa-5290	81	12	=	=	SYM
ajfa-5290	81	13	intercept	intercept	NOUN
ajfa-5290	81	14	and	and	CCONJ
ajfa-5290	81	15	ie	ie	X
ajfa-5290	81	16	is	be	AUX
ajfa-5290	81	17	the	the	DET
ajfa-5290	81	18	error	error	NOUN
ajfa-5290	81	19	term	term	NOUN
ajfa-5290	81	20	.	.	PUNCT
ajfa-5290	82	1	moreover	moreover	ADV
ajfa-5290	82	2	,	,	PUNCT
ajfa-5290	82	3	onsase	onsase	VERB
ajfa-5290	82	4	et	et	PROPN
ajfa-5290	82	5	al	al	PROPN
ajfa-5290	82	6	(	(	PUNCT
ajfa-5290	82	7	n.d	n.d	PROPN
ajfa-5290	82	8	)	)	PUNCT
ajfa-5290	82	9	studied	study	VERB
ajfa-5290	82	10	the	the	DET
ajfa-5290	82	11	effects	effect	NOUN
ajfa-5290	82	12	of	of	ADP
ajfa-5290	82	13	performance	performance	NOUN
ajfa-5290	82	14	management	management	NOUN
ajfa-5290	82	15	practices	practice	NOUN
ajfa-5290	82	16	on	on	ADP
ajfa-5290	82	17	provision	provision	NOUN
ajfa-5290	82	18	of	of	ADP
ajfa-5290	82	19	financial	financial	ADJ
ajfa-5290	82	20	services	service	NOUN
ajfa-5290	82	21	for	for	ADP
ajfa-5290	82	22	saccos	sacco	NOUN
ajfa-5290	82	23	in	in	ADP
ajfa-5290	82	24	kenya	kenya	PROPN
ajfa-5290	82	25	by	by	ADP
ajfa-5290	82	26	using	use	VERB
ajfa-5290	82	27	the	the	DET
ajfa-5290	82	28	likert	likert	ADJ
ajfa-5290	82	29	scale	scale	NOUN
ajfa-5290	82	30	and	and	CCONJ
ajfa-5290	82	31	the	the	DET
ajfa-5290	82	32	univariate	univariate	ADJ
ajfa-5290	82	33	regression	regression	NOUN
ajfa-5290	82	34	model	model	NOUN
ajfa-5290	82	35	.	.	PUNCT
ajfa-5290	83	1	the	the	DET
ajfa-5290	83	2	regression	regression	NOUN
ajfa-5290	83	3	model	model	NOUN
ajfa-5290	83	4	was	be	AUX
ajfa-5290	83	5	written	write	VERB
ajfa-5290	83	6	as	as	ADP
ajfa-5290	83	7	:	:	PUNCT
ajfa-5290	83	8	y	y	PROPN
ajfa-5290	83	9	=	=	NOUN
ajfa-5290	83	10	a+bx	a+bx	ADV
ajfa-5290	83	11	where	where	SCONJ
ajfa-5290	83	12	;	;	PUNCT
ajfa-5290	83	13	y	y	PROPN
ajfa-5290	83	14	is	be	AUX
ajfa-5290	83	15	the	the	DET
ajfa-5290	83	16	dependent	dependent	ADJ
ajfa-5290	83	17	variable	variable	NOUN
ajfa-5290	83	18	,	,	PUNCT
ajfa-5290	83	19	that	that	PRON
ajfa-5290	83	20	is	be	AUX
ajfa-5290	83	21	performance	performance	NOUN
ajfa-5290	83	22	of	of	ADP
ajfa-5290	83	23	financial	financial	ADJ
ajfa-5290	83	24	services	service	NOUN
ajfa-5290	83	25	(	(	PUNCT
ajfa-5290	83	26	pfs	pfs	PROPN
ajfa-5290	83	27	)	)	PUNCT
ajfa-5290	83	28	and	and	CCONJ
ajfa-5290	83	29	x	x	X
ajfa-5290	83	30	,	,	PUNCT
ajfa-5290	83	31	is	be	AUX
ajfa-5290	83	32	the	the	DET
ajfa-5290	83	33	independent	independent	ADJ
ajfa-5290	83	34	variable	variable	NOUN
ajfa-5290	83	35	that	that	PRON
ajfa-5290	83	36	is	be	AUX
ajfa-5290	83	37	performance	performance	NOUN
ajfa-5290	83	38	management	management	NOUN
ajfa-5290	83	39	practices	practice	NOUN
ajfa-5290	83	40	(	(	PUNCT
ajfa-5290	83	41	pmp	pmp	PROPN
ajfa-5290	83	42	)	)	PUNCT
ajfa-5290	83	43	.	.	PUNCT
ajfa-5290	84	1	olando	olando	PROPN
ajfa-5290	84	2	et	et	PROPN
ajfa-5290	84	3	al	al	PROPN
ajfa-5290	84	4	(	(	PUNCT
ajfa-5290	84	5	2013	2013	NUM
ajfa-5290	84	6	)	)	PUNCT
ajfa-5290	84	7	examined	examine	VERB
ajfa-5290	84	8	the	the	DET
ajfa-5290	84	9	contribution	contribution	NOUN
ajfa-5290	84	10	of	of	ADP
ajfa-5290	84	11	saccos	sacco	NOUN
ajfa-5290	84	12	’	'	PUNCT
ajfa-5290	84	13	financial	financial	ADJ
ajfa-5290	84	14	stewardship	stewardship	NOUN
ajfa-5290	84	15	to	to	ADP
ajfa-5290	84	16	the	the	DET
ajfa-5290	84	17	growth	growth	NOUN
ajfa-5290	84	18	of	of	ADP
ajfa-5290	84	19	saccos	sacco	NOUN
ajfa-5290	84	20	’	'	PUNCT
ajfa-5290	84	21	wealth	wealth	NOUN
ajfa-5290	84	22	(	(	PUNCT
ajfa-5290	84	23	gsw	gsw	PROPN
ajfa-5290	84	24	)	)	PUNCT
ajfa-5290	84	25	in	in	ADP
ajfa-5290	84	26	kenya	kenya	NOUN
ajfa-5290	84	27	by	by	ADP
ajfa-5290	84	28	using	use	VERB
ajfa-5290	84	29	a	a	DET
ajfa-5290	84	30	multiple	multiple	ADJ
ajfa-5290	84	31	linear	linear	ADJ
ajfa-5290	84	32	regression	regression	NOUN
ajfa-5290	84	33	analysis	analysis	NOUN
ajfa-5290	84	34	.	.	PUNCT
ajfa-5290	85	1	the	the	DET
ajfa-5290	85	2	financial	financial	ADJ
ajfa-5290	85	3	stewardship	stewardship	NOUN
ajfa-5290	85	4	was	be	AUX
ajfa-5290	85	5	measured	measure	VERB
ajfa-5290	85	6	by	by	ADP
ajfa-5290	85	7	loan	loan	NOUN
ajfa-5290	85	8	evaluation	evaluation	NOUN
ajfa-5290	85	9	(	(	PUNCT
ajfa-5290	85	10	le	le	X
ajfa-5290	85	11	)	)	PUNCT
ajfa-5290	85	12	,	,	PUNCT
ajfa-5290	85	13	loan	loan	NOUN
ajfa-5290	85	14	disbursement	disbursement	NOUN
ajfa-5290	85	15	(	(	PUNCT
ajfa-5290	85	16	ld	ld	PROPN
ajfa-5290	85	17	)	)	PUNCT
ajfa-5290	85	18	,	,	PUNCT
ajfa-5290	85	19	loan	loan	NOUN
ajfa-5290	85	20	recovery	recovery	NOUN
ajfa-5290	85	21	(	(	PUNCT
ajfa-5290	85	22	lr	lr	NOUN
ajfa-5290	85	23	)	)	PUNCT
ajfa-5290	85	24	,	,	PUNCT
ajfa-5290	85	25	loan	loan	NOUN
ajfa-5290	85	26	protection	protection	NOUN
ajfa-5290	85	27	(	(	PUNCT
ajfa-5290	85	28	lp	lp	NOUN
ajfa-5290	85	29	)	)	PUNCT
ajfa-5290	85	30	,	,	PUNCT
ajfa-5290	85	31	default	default	NOUN
ajfa-5290	85	32	risk	risk	NOUN
ajfa-5290	85	33	(	(	PUNCT
ajfa-5290	85	34	ds	ds	NOUN
ajfa-5290	85	35	)	)	PUNCT
ajfa-5290	85	36	,	,	PUNCT
ajfa-5290	85	37	staff	staff	NOUN
ajfa-5290	85	38	competence	competence	NOUN
ajfa-5290	85	39	(	(	PUNCT
ajfa-5290	85	40	sa	sa	NOUN
ajfa-5290	85	41	)	)	PUNCT
ajfa-5290	85	42	and	and	CCONJ
ajfa-5290	85	43	innovativeness	innovativeness	NOUN
ajfa-5290	85	44	(	(	PUNCT
ajfa-5290	85	45	tec	tec	NOUN
ajfa-5290	85	46	)	)	PUNCT
ajfa-5290	85	47	.	.	PUNCT
ajfa-5290	86	1	the	the	DET
ajfa-5290	86	2	model	model	NOUN
ajfa-5290	86	3	was	be	AUX
ajfa-5290	86	4	constructed	construct	VERB
ajfa-5290	86	5	as	as	ADP
ajfa-5290	86	6	:	:	PUNCT
ajfa-5290	86	7	εββββββββ	εββββββββ	ADJ
ajfa-5290	86	8	+	+	PROPN
ajfa-5290	86	9	+	+	ADJ
ajfa-5290	86	10	+	+	ADJ
ajfa-5290	86	11	+	+	ADJ
ajfa-5290	86	12	+	+	ADJ
ajfa-5290	86	13	+	+	ADJ
ajfa-5290	86	14	+	+	ADJ
ajfa-5290	86	15	+	+	ADJ
ajfa-5290	86	16	=	=	NOUN
ajfa-5290	86	17	tecsadslplrldlegsw	tecsadslplrldlegsw	VERB
ajfa-5290	86	18	76543210	76543210	NUM
ajfa-5290	86	19	where	where	SCONJ
ajfa-5290	86	20	:	:	PUNCT
ajfa-5290	86	21	=	=	SYM
ajfa-5290	86	22	0β	0β	NOUN
ajfa-5290	86	23	constant	constant	ADJ
ajfa-5290	86	24	term	term	NOUN
ajfa-5290	86	25	and	and	CCONJ
ajfa-5290	86	26	=	=	NOUN
ajfa-5290	86	27	−	−	PROPN
ajfa-5290	86	28	71	71	NUM
ajfa-5290	86	29	ββ	ββ	NOUN
ajfa-5290	86	30	coefficient	coefficient	NOUN
ajfa-5290	86	31	of	of	ADP
ajfa-5290	86	32	the	the	DET
ajfa-5290	86	33	independent	independent	ADJ
ajfa-5290	86	34	variables	variable	NOUN
ajfa-5290	86	35	and	and	CCONJ
ajfa-5290	86	36	=	=	SYM
ajfa-5290	86	37	ε	ε	NOUN
ajfa-5290	86	38	error	error	NOUN
ajfa-5290	86	39	term	term	NOUN
ajfa-5290	86	40	.	.	PUNCT
ajfa-5290	87	1	onchangwa	onchangwa	NOUN
ajfa-5290	87	2	and	and	CCONJ
ajfa-5290	87	3	memba	memba	NOUN
ajfa-5290	87	4	(	(	PUNCT
ajfa-5290	87	5	2012	2012	NUM
ajfa-5290	87	6	)	)	PUNCT
ajfa-5290	87	7	investigated	investigate	VERB
ajfa-5290	87	8	whether	whether	SCONJ
ajfa-5290	87	9	investment	investment	NOUN
ajfa-5290	87	10	in	in	ADP
ajfa-5290	87	11	saccos	sacco	NOUN
ajfa-5290	87	12	have	have	VERB
ajfa-5290	87	13	effect	effect	NOUN
ajfa-5290	87	14	on	on	ADP
ajfa-5290	87	15	members	member	NOUN
ajfa-5290	87	16	’	'	PUNCT
ajfa-5290	87	17	investment	investment	NOUN
ajfa-5290	87	18	culture	culture	NOUN
ajfa-5290	87	19	in	in	ADP
ajfa-5290	87	20	kenya	kenya	PROPN
ajfa-5290	87	21	.	.	PUNCT
ajfa-5290	88	1	the	the	DET
ajfa-5290	88	2	univariate	univariate	ADJ
ajfa-5290	88	3	regression	regression	NOUN
ajfa-5290	88	4	model	model	NOUN
ajfa-5290	88	5	expressed	express	VERB
ajfa-5290	88	6	the	the	DET
ajfa-5290	88	7	relationship	relationship	NOUN
ajfa-5290	88	8	between	between	ADP
ajfa-5290	88	9	savings	saving	NOUN
ajfa-5290	88	10	and	and	CCONJ
ajfa-5290	88	11	investment	investment	NOUN
ajfa-5290	88	12	as	as	SCONJ
ajfa-5290	88	13	follows	follow	VERB
ajfa-5290	88	14	:	:	PUNCT
ajfa-5290	88	15	y=	y=	PRON
ajfa-5290	88	16	a	a	PRON
ajfa-5290	88	17	+	+	X
ajfa-5290	88	18	bx1	bx1	VERB
ajfa-5290	88	19	where	where	SCONJ
ajfa-5290	88	20	:	:	PUNCT
ajfa-5290	88	21	y=	y=	NUM
ajfa-5290	88	22	investment	investment	NOUN
ajfa-5290	88	23	,	,	PUNCT
ajfa-5290	88	24	x1=	x1=	PROPN
ajfa-5290	88	25	savings	saving	NOUN
ajfa-5290	88	26	in	in	ADP
ajfa-5290	88	27	saccos	saccos	PROPN
ajfa-5290	88	28	,	,	PUNCT
ajfa-5290	88	29	a	a	DET
ajfa-5290	88	30	=	=	X
ajfa-5290	88	31	the	the	DET
ajfa-5290	88	32	intercept	intercept	NOUN
ajfa-5290	88	33	and	and	CCONJ
ajfa-5290	88	34	b	b	X
ajfa-5290	88	35	=	=	NOUN
ajfa-5290	88	36	the	the	DET
ajfa-5290	88	37	beta	beta	ADJ
ajfa-5290	88	38	coefficient	coefficient	NOUN
ajfa-5290	88	39	.	.	PUNCT
ajfa-5290	89	1	auka	auka	PROPN
ajfa-5290	89	2	and	and	CCONJ
ajfa-5290	89	3	mwangi	mwangi	PROPN
ajfa-5290	89	4	(	(	PUNCT
ajfa-5290	89	5	2013	2013	NUM
ajfa-5290	89	6	)	)	PUNCT
ajfa-5290	89	7	examined	examine	VERB
ajfa-5290	89	8	the	the	DET
ajfa-5290	89	9	factors	factor	NOUN
ajfa-5290	89	10	influencing	influence	VERB
ajfa-5290	89	11	saccos	sacco	NOUN
ajfa-5290	89	12	’	'	PUNCT
ajfa-5290	89	13	members	member	NOUN
ajfa-5290	89	14	to	to	PART
ajfa-5290	89	15	seek	seek	VERB
ajfa-5290	89	16	services	service	NOUN
ajfa-5290	89	17	from	from	ADP
ajfa-5290	89	18	other	other	ADJ
ajfa-5290	89	19	financial	financial	ADJ
ajfa-5290	89	20	service	service	NOUN
ajfa-5290	89	21	providers	provider	NOUN
ajfa-5290	89	22	in	in	ADP
ajfa-5290	89	23	kenya	kenya	PROPN
ajfa-5290	89	24	.	.	PUNCT
ajfa-5290	90	1	the	the	DET
ajfa-5290	90	2	relationship	relationship	NOUN
ajfa-5290	90	3	between	between	ADP
ajfa-5290	90	4	independent	independent	ADJ
ajfa-5290	90	5	variables	variable	NOUN
ajfa-5290	90	6	and	and	CCONJ
ajfa-5290	90	7	dependent	dependent	ADJ
ajfa-5290	90	8	variable	variable	NOUN
ajfa-5290	90	9	was	be	AUX
ajfa-5290	90	10	established	establish	VERB
ajfa-5290	90	11	by	by	ADP
ajfa-5290	90	12	the	the	DET
ajfa-5290	90	13	regression	regression	NOUN
ajfa-5290	90	14	model	model	NOUN
ajfa-5290	90	15	as	as	SCONJ
ajfa-5290	90	16	follows	follow	VERB
ajfa-5290	90	17	:	:	PUNCT
ajfa-5290	90	18	epepsspmdpttpfi	epepsspmdpttpfi	VERB
ajfa-5290	90	19	+	+	PROPN
ajfa-5290	91	1	+	+	ADJ
ajfa-5290	91	2	+	+	ADJ
ajfa-5290	91	3	+	+	ADJ
ajfa-5290	91	4	+	+	ADJ
ajfa-5290	91	5	+	+	ADJ
ajfa-5290	91	6	+	+	ADJ
ajfa-5290	91	7	=	=	NOUN
ajfa-5290	91	8	6543210	6543210	NUM
ajfa-5290	91	9	βββββββ	βββββββ	ADJ
ajfa-5290	91	10	where	where	SCONJ
ajfa-5290	91	11	:	:	PUNCT
ajfa-5290	91	12	fi	fi	NOUN
ajfa-5290	91	13	=	=	ADJ
ajfa-5290	91	14	financial	financial	ADJ
ajfa-5290	91	15	service	service	NOUN
ajfa-5290	91	16	provider	provider	NOUN
ajfa-5290	91	17	,	,	PUNCT
ajfa-5290	91	18	tp	tp	ADP
ajfa-5290	91	19	=	=	PUNCT
ajfa-5290	91	20	type	type	NOUN
ajfa-5290	91	21	of	of	ADP
ajfa-5290	91	22	financial	financial	ADJ
ajfa-5290	91	23	product	product	NOUN
ajfa-5290	91	24	,	,	PUNCT
ajfa-5290	91	25	pt	pt	NOUN
ajfa-5290	91	26	=	=	VERB
ajfa-5290	91	27	processing	processing	NOUN
ajfa-5290	91	28	time	time	NOUN
ajfa-5290	91	29	of	of	ADP
ajfa-5290	91	30	loan	loan	NOUN
ajfa-5290	91	31	applications	application	NOUN
ajfa-5290	91	32	,	,	PUNCT
ajfa-5290	91	33	sp	sp	ADP
ajfa-5290	91	34	=	=	NOUN
ajfa-5290	91	35	staff	staff	NOUN
ajfa-5290	91	36	performance	performance	NOUN
ajfa-5290	91	37	,	,	PUNCT
ajfa-5290	91	38	ps	ps	NOUN
ajfa-5290	91	39	=	=	SYM
ajfa-5290	91	40	promotion	promotion	NOUN
ajfa-5290	91	41	strategies	strategy	NOUN
ajfa-5290	91	42	,	,	PUNCT
ajfa-5290	91	43	pe	pe	NOUN
ajfa-5290	91	44	=	=	PUNCT
ajfa-5290	91	45	physical	physical	ADJ
ajfa-5290	91	46	evidence	evidence	NOUN
ajfa-5290	91	47	,	,	PUNCT
ajfa-5290	91	48	=	=	NOUN
ajfa-5290	91	49	0β	0β	NUM
ajfa-5290	91	50	intercept	intercept	NOUN
ajfa-5290	91	51	,	,	PUNCT
ajfa-5290	91	52	β1	β1	PROPN
ajfa-5290	91	53	β6	β6	PROPN
ajfa-5290	91	54	=	=	PUNCT
ajfa-5290	91	55	estimated	estimate	VERB
ajfa-5290	91	56	coefficients	coefficient	NOUN
ajfa-5290	91	57	of	of	ADP
ajfa-5290	91	58	independent	independent	ADJ
ajfa-5290	91	59	and	and	CCONJ
ajfa-5290	91	60	e	e	NOUN
ajfa-5290	91	61	=	=	NOUN
ajfa-5290	91	62	error	error	NOUN
ajfa-5290	91	63	term	term	NOUN
ajfa-5290	91	64	.	.	PUNCT
ajfa-5290	92	1	mosongo	mosongo	PROPN
ajfa-5290	92	2	et	et	PROPN
ajfa-5290	92	3	al	al	PROPN
ajfa-5290	92	4	(	(	PUNCT
ajfa-5290	92	5	2013	2013	NUM
ajfa-5290	92	6	)	)	PUNCT
ajfa-5290	92	7	investigated	investigate	VERB
ajfa-5290	92	8	the	the	DET
ajfa-5290	92	9	relationship	relationship	NOUN
ajfa-5290	92	10	between	between	ADP
ajfa-5290	92	11	the	the	DET
ajfa-5290	92	12	financial	financial	ADJ
ajfa-5290	92	13	innovation	innovation	NOUN
ajfa-5290	92	14	and	and	CCONJ
ajfa-5290	92	15	financial	financial	ADJ
ajfa-5290	92	16	performance	performance	NOUN
ajfa-5290	92	17	for	for	ADP
ajfa-5290	92	18	saccos	sacco	NOUN
ajfa-5290	92	19	at	at	ADP
ajfa-5290	92	20	nairobi	nairobi	PROPN
ajfa-5290	92	21	county	county	PROPN
ajfa-5290	92	22	in	in	ADP
ajfa-5290	92	23	kenya	kenya	PROPN
ajfa-5290	92	24	by	by	ADP
ajfa-5290	92	25	using	use	VERB
ajfa-5290	92	26	the	the	DET
ajfa-5290	92	27	descriptive	descriptive	ADJ
ajfa-5290	92	28	and	and	CCONJ
ajfa-5290	92	29	multivariate	multivariate	VERB
ajfa-5290	92	30	regression	regression	NOUN
ajfa-5290	92	31	analysis	analysis	NOUN
ajfa-5290	92	32	.	.	PUNCT
ajfa-5290	93	1	the	the	DET
ajfa-5290	93	2	dependent	dependent	ADJ
ajfa-5290	93	3	variable	variable	NOUN
ajfa-5290	93	4	(	(	PUNCT
ajfa-5290	93	5	y	y	NOUN
ajfa-5290	93	6	)	)	PUNCT
ajfa-5290	93	7	was	be	AUX
ajfa-5290	93	8	the	the	DET
ajfa-5290	93	9	financial	financial	ADJ
ajfa-5290	93	10	performance	performance	NOUN
ajfa-5290	93	11	and	and	CCONJ
ajfa-5290	93	12	the	the	DET
ajfa-5290	93	13	independent	independent	ADJ
ajfa-5290	93	14	variables	variable	NOUN
ajfa-5290	93	15	were	be	AUX
ajfa-5290	93	16	institutional	institutional	ADJ
ajfa-5290	93	17	(	(	PUNCT
ajfa-5290	93	18	x1	x1	PROPN
ajfa-5290	93	19	)	)	PUNCT
ajfa-5290	93	20	,	,	PUNCT
ajfa-5290	93	21	process	process	NOUN
ajfa-5290	93	22	(	(	PUNCT
ajfa-5290	93	23	x2	x2	ADJ
ajfa-5290	93	24	)	)	PUNCT
ajfa-5290	93	25	and	and	CCONJ
ajfa-5290	93	26	product	product	NOUN
ajfa-5290	93	27	innovations	innovation	NOUN
ajfa-5290	93	28	(	(	PUNCT
ajfa-5290	93	29	x3	x3	ADJ
ajfa-5290	93	30	)	)	PUNCT
ajfa-5290	93	31	.	.	PUNCT
ajfa-5290	94	1	the	the	DET
ajfa-5290	94	2	multivariate	multivariate	NOUN
ajfa-5290	94	3	regression	regression	NOUN
ajfa-5290	94	4	model	model	NOUN
ajfa-5290	94	5	was	be	AUX
ajfa-5290	94	6	specified	specify	VERB
ajfa-5290	94	7	as	as	SCONJ
ajfa-5290	94	8	follows	follow	VERB
ajfa-5290	94	9	:	:	PUNCT
ajfa-5290	94	10	μββββ	μββββ	NUM
ajfa-5290	95	1	+	+	PROPN
ajfa-5290	96	1	+	+	ADJ
ajfa-5290	96	2	+	+	ADJ
ajfa-5290	96	3	+	+	NOUN
ajfa-5290	96	4	=	=	SYM
ajfa-5290	96	5	3322110	3322110	NUM
ajfa-5290	96	6	xxxy	xxxy	PROPN
ajfa-5290	96	7	mpiira	mpiira	VERB
ajfa-5290	96	8	et	et	PROPN
ajfa-5290	96	9	al	al	PROPN
ajfa-5290	96	10	(	(	PUNCT
ajfa-5290	96	11	2013	2013	NUM
ajfa-5290	96	12	)	)	PUNCT
ajfa-5290	96	13	studied	study	VERB
ajfa-5290	96	14	the	the	DET
ajfa-5290	96	15	factors	factor	NOUN
ajfa-5290	96	16	influencing	influence	VERB
ajfa-5290	96	17	households	household	NOUN
ajfa-5290	96	18	’	'	PUNCT
ajfa-5290	96	19	participation	participation	NOUN
ajfa-5290	96	20	in	in	ADP
ajfa-5290	96	21	saccos	saccos	ADJ
ajfa-5290	96	22	programmes	programme	NOUN
ajfa-5290	96	23	in	in	ADP
ajfa-5290	96	24	uganda	uganda	PROPN
ajfa-5290	96	25	using	use	VERB
ajfa-5290	96	26	the	the	DET
ajfa-5290	96	27	ordered	order	VERB
ajfa-5290	96	28	probit	probit	NOUN
ajfa-5290	96	29	regression	regression	NOUN
ajfa-5290	96	30	model	model	NOUN
ajfa-5290	96	31	which	which	PRON
ajfa-5290	96	32	was	be	AUX
ajfa-5290	96	33	presented	present	VERB
ajfa-5290	96	34	as	as	SCONJ
ajfa-5290	96	35	follows	follow	VERB
ajfa-5290	96	36	:	:	PUNCT
ajfa-5290	96	37	asian	asian	ADJ
ajfa-5290	96	38	journal	journal	NOUN
ajfa-5290	96	39	of	of	ADP
ajfa-5290	96	40	finance	finance	PROPN
ajfa-5290	96	41	&	&	CCONJ
ajfa-5290	96	42	accounting	accounting	PROPN
ajfa-5290	96	43	issn	issn	PROPN
ajfa-5290	96	44	1946	1946	NUM
ajfa-5290	96	45	-	-	PUNCT
ajfa-5290	96	46	052x	052x	PROPN
ajfa-5290	96	47	2014	2014	NUM
ajfa-5290	96	48	,	,	PUNCT
ajfa-5290	96	49	vol	vol	NOUN
ajfa-5290	96	50	.	.	PROPN
ajfa-5290	97	1	6	6	NUM
ajfa-5290	97	2	,	,	PUNCT
ajfa-5290	97	3	no	no	INTJ
ajfa-5290	97	4	.	.	NOUN
ajfa-5290	97	5	1	1	NUM
ajfa-5290	97	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-5290	97	7	203	203	NUM
ajfa-5290	97	8	udistricturbandiststablemaritalddep	udistricturbandiststablemaritalddep	PROPN
ajfa-5290	97	9	gendereducdinfoageageyks	gendereducdinfoageageyks	PROPN
ajfa-5290	97	10	ii	ii	PROPN
ajfa-5290	98	1	i	i	PRON
ajfa-5290	98	2	p	p	PROPN
ajfa-5290	98	3	n	n	PROPN
ajfa-5290	98	4	+	+	ADJ
ajfa-5290	98	5	+	+	ADJ
ajfa-5290	98	6	+	+	ADJ
ajfa-5290	98	7	+	+	ADJ
ajfa-5290	98	8	+	+	ADJ
ajfa-5290	98	9	+	+	ADJ
ajfa-5290	98	10	+	+	ADJ
ajfa-5290	98	11	+	+	ADJ
ajfa-5290	98	12	+	+	ADJ
ajfa-5290	98	13	+	+	ADJ
ajfa-5290	98	14	+	+	ADJ
ajfa-5290	98	15	+	+	ADJ
ajfa-5290	98	16	+	+	ADJ
ajfa-5290	98	17	=	=	NOUN
ajfa-5290	98	18	=	=	SYM
ajfa-5290	98	19			PRON
ajfa-5290	98	20			X
ajfa-5290	99	1	=	=	PUNCT
ajfa-5290	99	2	=	=	SYM
ajfa-5290	99	3	=	=	SYM
ajfa-5290	99	4	1211	1211	NUM
ajfa-5290	99	5	3	3	NUM
ajfa-5290	99	6	1	1	NUM
ajfa-5290	99	7	1098	1098	NUM
ajfa-5290	99	8	5	5	NUM
ajfa-5290	99	9	1	1	NUM
ajfa-5290	99	10	76	76	NUM
ajfa-5290	99	11	3	3	NUM
ajfa-5290	99	12	1	1	NUM
ajfa-5290	99	13	543210	543210	NUM
ajfa-5290	99	14	2^)pr	2^)pr	NOUN
ajfa-5290	99	15	(	(	PUNCT
ajfa-5290	99	16	βββββ	βββββ	VERB
ajfa-5290	99	17	ββββββββ	ββββββββ	NOUN
ajfa-5290	99	18	where	where	SCONJ
ajfa-5290	99	19	pr	pr	NOUN
ajfa-5290	99	20	is	be	AUX
ajfa-5290	99	21	the	the	DET
ajfa-5290	99	22	probability	probability	NOUN
ajfa-5290	99	23	that	that	SCONJ
ajfa-5290	99	24	the	the	DET
ajfa-5290	99	25	household	household	NOUN
ajfa-5290	99	26	will	will	AUX
ajfa-5290	99	27	choose	choose	VERB
ajfa-5290	99	28	to	to	PART
ajfa-5290	99	29	participate	participate	VERB
ajfa-5290	99	30	in	in	ADP
ajfa-5290	99	31	the	the	DET
ajfa-5290	99	32	programme	programme	NOUN
ajfa-5290	99	33	and	and	CCONJ
ajfa-5290	99	34	sn	sn	PROPN
ajfa-5290	99	35	=	=	SYM
ajfa-5290	99	36	k	k	PROPN
ajfa-5290	99	37	represent	represent	VERB
ajfa-5290	99	38	the	the	DET
ajfa-5290	99	39	household	household	NOUN
ajfa-5290	99	40	status	status	NOUN
ajfa-5290	99	41	whether	whether	PRON
ajfa-5290	99	42	is	be	AUX
ajfa-5290	99	43	a	a	DET
ajfa-5290	99	44	non	non	ADJ
ajfa-5290	99	45	-	-	NOUN
ajfa-5290	99	46	member	member	NOUN
ajfa-5290	99	47	or	or	CCONJ
ajfa-5290	99	48	a	a	DET
ajfa-5290	99	49	member	member	NOUN
ajfa-5290	99	50	who	who	PRON
ajfa-5290	99	51	save	save	VERB
ajfa-5290	99	52	or	or	CCONJ
ajfa-5290	99	53	do	do	AUX
ajfa-5290	99	54	n’t	not	PART
ajfa-5290	99	55	save	save	VERB
ajfa-5290	99	56	.	.	PUNCT
ajfa-5290	100	1	the	the	DET
ajfa-5290	100	2	independent	independent	ADJ
ajfa-5290	100	3	variables	variable	NOUN
ajfa-5290	100	4	of	of	ADP
ajfa-5290	100	5	the	the	DET
ajfa-5290	100	6	model	model	NOUN
ajfa-5290	100	7	includes	include	VERB
ajfa-5290	100	8	:	:	PUNCT
ajfa-5290	100	9	py	py	X
ajfa-5290	100	10	which	which	PRON
ajfa-5290	100	11	determines	determine	VERB
ajfa-5290	100	12	the	the	DET
ajfa-5290	100	13	presence	presence	NOUN
ajfa-5290	100	14	of	of	ADP
ajfa-5290	100	15	permanent	permanent	ADJ
ajfa-5290	100	16	income	income	NOUN
ajfa-5290	100	17	,	,	PUNCT
ajfa-5290	100	18	age	age	NOUN
ajfa-5290	100	19	of	of	ADP
ajfa-5290	100	20	the	the	DET
ajfa-5290	100	21	household	household	NOUN
ajfa-5290	100	22	head	head	NOUN
ajfa-5290	100	23	,	,	PUNCT
ajfa-5290	100	24	age	age	NOUN
ajfa-5290	100	25	of	of	ADP
ajfa-5290	100	26	spouse	spouse	NOUN
ajfa-5290	100	27	(	(	PUNCT
ajfa-5290	100	28	2^age	2^age	NOUN
ajfa-5290	100	29	)	)	PUNCT
ajfa-5290	100	30	,	,	PUNCT
ajfa-5290	100	31	dummy	dummy	NOUN
ajfa-5290	100	32	of	of	ADP
ajfa-5290	100	33	information	information	NOUN
ajfa-5290	100	34	about	about	ADP
ajfa-5290	100	35	the	the	DET
ajfa-5290	100	36	famous	famous	ADJ
ajfa-5290	100	37	banks	bank	NOUN
ajfa-5290	100	38	used	use	VERB
ajfa-5290	100	39	for	for	ADP
ajfa-5290	100	40	depositing	deposit	VERB
ajfa-5290	100	41	the	the	DET
ajfa-5290	100	42	children	child	NOUN
ajfa-5290	100	43	school	school	NOUN
ajfa-5290	100	44	fees	fee	NOUN
ajfa-5290	100	45	(	(	PUNCT
ajfa-5290	100	46	dinfo	dinfo	NOUN
ajfa-5290	100	47	)	)	PUNCT
ajfa-5290	100	48	,	,	PUNCT
ajfa-5290	100	49	the	the	DET
ajfa-5290	100	50	education	education	NOUN
ajfa-5290	100	51	level	level	NOUN
ajfa-5290	100	52	of	of	ADP
ajfa-5290	100	53	the	the	DET
ajfa-5290	100	54	household	household	NOUN
ajfa-5290	100	55	(	(	PUNCT
ajfa-5290	100	56	educ	educ	PROPN
ajfa-5290	100	57	)	)	PUNCT
ajfa-5290	100	58	,	,	PUNCT
ajfa-5290	100	59	gender	gender	NOUN
ajfa-5290	100	60	of	of	ADP
ajfa-5290	100	61	respondent	respondent	NOUN
ajfa-5290	100	62	,	,	PUNCT
ajfa-5290	100	63	dummy	dummy	ADJ
ajfa-5290	100	64	variable	variable	NOUN
ajfa-5290	100	65	of	of	ADP
ajfa-5290	100	66	children	child	NOUN
ajfa-5290	100	67	going	go	VERB
ajfa-5290	100	68	school	school	NOUN
ajfa-5290	100	69	whether	whether	SCONJ
ajfa-5290	100	70	in	in	ADP
ajfa-5290	100	71	nursery	nursery	NOUN
ajfa-5290	100	72	,	,	PUNCT
ajfa-5290	100	73	primary	primary	ADJ
ajfa-5290	100	74	,	,	PUNCT
ajfa-5290	100	75	secondary	secondary	ADJ
ajfa-5290	100	76	or	or	CCONJ
ajfa-5290	100	77	university	university	NOUN
ajfa-5290	100	78	(	(	PUNCT
ajfa-5290	100	79	ddep	ddep	NOUN
ajfa-5290	100	80	)	)	PUNCT
ajfa-5290	100	81	,	,	PUNCT
ajfa-5290	100	82	marital	marital	ADJ
ajfa-5290	100	83	status	status	NOUN
ajfa-5290	100	84	,	,	PUNCT
ajfa-5290	100	85	dummy	dummy	NOUN
ajfa-5290	100	86	of	of	ADP
ajfa-5290	100	87	stable	stable	ADJ
ajfa-5290	100	88	income	income	NOUN
ajfa-5290	100	89	,	,	PUNCT
ajfa-5290	100	90	distance	distance	NOUN
ajfa-5290	100	91	from	from	ADP
ajfa-5290	100	92	home	home	NOUN
ajfa-5290	100	93	to	to	ADP
ajfa-5290	100	94	the	the	DET
ajfa-5290	100	95	saccos	saccos	PROPN
ajfa-5290	100	96	office	office	PROPN
ajfa-5290	100	97	(	(	PUNCT
ajfa-5290	100	98	dist	dist	NOUN
ajfa-5290	100	99	)	)	PUNCT
ajfa-5290	100	100	,	,	PUNCT
ajfa-5290	100	101	dummy	dummy	NOUN
ajfa-5290	100	102	of	of	ADP
ajfa-5290	100	103	household	household	NOUN
ajfa-5290	100	104	location	location	NOUN
ajfa-5290	100	105	whether	whether	SCONJ
ajfa-5290	100	106	in	in	ADP
ajfa-5290	100	107	rural	rural	ADJ
ajfa-5290	100	108	or	or	CCONJ
ajfa-5290	100	109	urban	urban	ADJ
ajfa-5290	100	110	and	and	CCONJ
ajfa-5290	100	111	district	district	NOUN
ajfa-5290	100	112	of	of	ADP
ajfa-5290	100	113	residence	residence	NOUN
ajfa-5290	100	114	whether	whether	SCONJ
ajfa-5290	100	115	is	be	AUX
ajfa-5290	100	116	a	a	DET
ajfa-5290	100	117	base	base	ADJ
ajfa-5290	100	118	district	district	NOUN
ajfa-5290	100	119	or	or	CCONJ
ajfa-5290	100	120	otherwise	otherwise	ADV
ajfa-5290	100	121	.	.	PUNCT
ajfa-5290	101	1	ahimbisibwe	ahimbisibwe	NOUN
ajfa-5290	101	2	(	(	PUNCT
ajfa-5290	101	3	2007	2007	NUM
ajfa-5290	101	4	)	)	PUNCT
ajfa-5290	101	5	studied	study	VERB
ajfa-5290	101	6	the	the	DET
ajfa-5290	101	7	effects	effect	NOUN
ajfa-5290	101	8	of	of	ADP
ajfa-5290	101	9	saccos	sacco	NOUN
ajfa-5290	101	10	on	on	ADP
ajfa-5290	101	11	members	member	NOUN
ajfa-5290	101	12	’	'	PUNCT
ajfa-5290	101	13	saving	save	VERB
ajfa-5290	101	14	culture	culture	NOUN
ajfa-5290	101	15	in	in	ADP
ajfa-5290	101	16	ntungamo	ntungamo	NOUN
ajfa-5290	101	17	district	district	NOUN
ajfa-5290	101	18	in	in	ADP
ajfa-5290	101	19	uganda	uganda	PROPN
ajfa-5290	101	20	.	.	PUNCT
ajfa-5290	102	1	the	the	DET
ajfa-5290	102	2	author	author	NOUN
ajfa-5290	102	3	applied	apply	VERB
ajfa-5290	102	4	the	the	DET
ajfa-5290	102	5	multivariate	multivariate	NOUN
ajfa-5290	102	6	linear	linear	PROPN
ajfa-5290	102	7	regression	regression	NOUN
ajfa-5290	102	8	model	model	NOUN
ajfa-5290	102	9	where	where	SCONJ
ajfa-5290	102	10	saving	saving	NOUN
ajfa-5290	102	11	culture	culture	NOUN
ajfa-5290	102	12	was	be	AUX
ajfa-5290	102	13	the	the	DET
ajfa-5290	102	14	dependent	dependent	ADJ
ajfa-5290	102	15	variable	variable	NOUN
ajfa-5290	102	16	.	.	PUNCT
ajfa-5290	103	1	the	the	DET
ajfa-5290	103	2	model	model	NOUN
ajfa-5290	103	3	was	be	AUX
ajfa-5290	103	4	expressed	express	VERB
ajfa-5290	103	5	as	as	SCONJ
ajfa-5290	103	6	follows	follow	VERB
ajfa-5290	103	7	:	:	PUNCT
ajfa-5290	103	8	tt	tt	PROPN
ajfa-5290	103	9	tertsecprimgoschnochildincomey	tertsecprimgoschnochildincomey	PROPN
ajfa-5290	103	10	εβββββββ	εβββββββ	VERB
ajfa-5290	103	11	+	+	PROPN
ajfa-5290	103	12	+	+	ADJ
ajfa-5290	103	13	+	+	ADJ
ajfa-5290	103	14	+	+	ADJ
ajfa-5290	103	15	+	+	ADJ
ajfa-5290	103	16	+	+	ADJ
ajfa-5290	103	17	+	+	NOUN
ajfa-5290	103	18	=	=	NOUN
ajfa-5290	103	19	6443210	6443210	NUM
ajfa-5290	103	20	where	where	SCONJ
ajfa-5290	103	21	:	:	PUNCT
ajfa-5290	103	22	income	income	NOUN
ajfa-5290	103	23	=	=	PUNCT
ajfa-5290	103	24	a	a	DET
ajfa-5290	103	25	dummy	dummy	NOUN
ajfa-5290	103	26	for	for	ADP
ajfa-5290	103	27	income	income	NOUN
ajfa-5290	103	28	,	,	PUNCT
ajfa-5290	103	29	nochild	nochild	NOUN
ajfa-5290	103	30	=	=	PUNCT
ajfa-5290	103	31	a	a	DET
ajfa-5290	103	32	dummy	dummy	NOUN
ajfa-5290	103	33	for	for	ADP
ajfa-5290	103	34	number	number	NOUN
ajfa-5290	103	35	of	of	ADP
ajfa-5290	103	36	children	child	NOUN
ajfa-5290	103	37	in	in	ADP
ajfa-5290	103	38	a	a	DET
ajfa-5290	103	39	family	family	NOUN
ajfa-5290	103	40	,	,	PUNCT
ajfa-5290	103	41	gosch	gosch	ADV
ajfa-5290	103	42	=	=	PUNCT
ajfa-5290	103	43	a	a	DET
ajfa-5290	103	44	dummy	dummy	NOUN
ajfa-5290	103	45	for	for	ADP
ajfa-5290	103	46	number	number	NOUN
ajfa-5290	103	47	of	of	ADP
ajfa-5290	103	48	school	school	NOUN
ajfa-5290	103	49	going	go	VERB
ajfa-5290	103	50	children	child	NOUN
ajfa-5290	103	51	,	,	PUNCT
ajfa-5290	103	52	prim	prim	ADJ
ajfa-5290	103	53	=	=	PUNCT
ajfa-5290	103	54	a	a	DET
ajfa-5290	103	55	dummy	dummy	NOUN
ajfa-5290	103	56	for	for	ADP
ajfa-5290	103	57	primary	primary	ADJ
ajfa-5290	103	58	level	level	NOUN
ajfa-5290	103	59	of	of	ADP
ajfa-5290	103	60	education	education	NOUN
ajfa-5290	103	61	,	,	PUNCT
ajfa-5290	103	62	sec	sec	PROPN
ajfa-5290	103	63	=	=	PUNCT
ajfa-5290	103	64	a	a	DET
ajfa-5290	103	65	dummy	dummy	NOUN
ajfa-5290	103	66	for	for	ADP
ajfa-5290	103	67	secondary	secondary	ADJ
ajfa-5290	103	68	level	level	NOUN
ajfa-5290	103	69	of	of	ADP
ajfa-5290	103	70	education	education	NOUN
ajfa-5290	103	71	,	,	PUNCT
ajfa-5290	103	72	tert	tert	NOUN
ajfa-5290	103	73	=	=	PUNCT
ajfa-5290	103	74	a	a	DET
ajfa-5290	103	75	dummy	dummy	NOUN
ajfa-5290	103	76	for	for	ADP
ajfa-5290	103	77	tertiary	tertiary	ADJ
ajfa-5290	103	78	level	level	NOUN
ajfa-5290	103	79	of	of	ADP
ajfa-5290	103	80	education	education	NOUN
ajfa-5290	103	81	,	,	PUNCT
ajfa-5290	104	1	yt	yt	X
ajfa-5290	104	2	=	=	VERB
ajfa-5290	104	3	saving	saving	NOUN
ajfa-5290	104	4	culture	culture	NOUN
ajfa-5290	104	5	,	,	PUNCT
ajfa-5290	104	6	β0	β0	PROPN
ajfa-5290	104	7	=	=	SYM
ajfa-5290	104	8	intercept	intercept	NOUN
ajfa-5290	104	9	,	,	PUNCT
ajfa-5290	104	10	β1	β1	PROPN
ajfa-5290	104	11	-β6	-β6	PUNCT
ajfa-5290	104	12	=	=	PUNCT
ajfa-5290	105	1	estimated	estimate	VERB
ajfa-5290	105	2	coefficients	coefficient	NOUN
ajfa-5290	105	3	of	of	ADP
ajfa-5290	105	4	independent	independent	ADJ
ajfa-5290	105	5	variables	variable	NOUN
ajfa-5290	105	6	and	and	CCONJ
ajfa-5290	105	7	=	=	NOUN
ajfa-5290	105	8	tε	tε	NOUN
ajfa-5290	105	9	error	error	NOUN
ajfa-5290	105	10	term	term	NOUN
ajfa-5290	105	11	.	.	PUNCT
ajfa-5290	106	1	similarly	similarly	ADV
ajfa-5290	106	2	,	,	PUNCT
ajfa-5290	106	3	mohammed	mohammed	PROPN
ajfa-5290	106	4	(	(	PUNCT
ajfa-5290	106	5	2011	2011	NUM
ajfa-5290	106	6	)	)	PUNCT
ajfa-5290	106	7	applied	apply	VERB
ajfa-5290	106	8	the	the	DET
ajfa-5290	106	9	regression	regression	NOUN
ajfa-5290	106	10	model	model	NOUN
ajfa-5290	106	11	to	to	PART
ajfa-5290	106	12	examine	examine	VERB
ajfa-5290	106	13	how	how	SCONJ
ajfa-5290	106	14	financing	financing	NOUN
ajfa-5290	106	15	strategies	strategy	NOUN
ajfa-5290	106	16	and	and	CCONJ
ajfa-5290	106	17	financial	financial	ADJ
ajfa-5290	106	18	sustainability	sustainability	NOUN
ajfa-5290	106	19	strategies	strategy	NOUN
ajfa-5290	106	20	which	which	PRON
ajfa-5290	106	21	influenced	influence	VERB
ajfa-5290	106	22	the	the	DET
ajfa-5290	106	23	sustainability	sustainability	NOUN
ajfa-5290	106	24	and	and	CCONJ
ajfa-5290	106	25	outreach	outreach	NOUN
ajfa-5290	106	26	of	of	ADP
ajfa-5290	106	27	saccos	saccos	PROPN
ajfa-5290	106	28	in	in	ADP
ajfa-5290	106	29	uganda	uganda	PROPN
ajfa-5290	106	30	.	.	PUNCT
ajfa-5290	107	1	the	the	DET
ajfa-5290	107	2	independent	independent	ADJ
ajfa-5290	107	3	variable	variable	NOUN
ajfa-5290	107	4	was	be	AUX
ajfa-5290	107	5	the	the	DET
ajfa-5290	107	6	financing	financing	NOUN
ajfa-5290	107	7	strategies	strategy	NOUN
ajfa-5290	107	8	of	of	ADP
ajfa-5290	107	9	saccos	sacco	NOUN
ajfa-5290	107	10	which	which	PRON
ajfa-5290	107	11	was	be	AUX
ajfa-5290	107	12	measured	measure	VERB
ajfa-5290	107	13	by	by	ADP
ajfa-5290	107	14	debt	debt	NOUN
ajfa-5290	107	15	,	,	PUNCT
ajfa-5290	107	16	equity	equity	NOUN
ajfa-5290	107	17	and	and	CCONJ
ajfa-5290	107	18	individual	individual	ADJ
ajfa-5290	107	19	savings	saving	NOUN
ajfa-5290	107	20	while	while	SCONJ
ajfa-5290	107	21	the	the	DET
ajfa-5290	107	22	independent	independent	ADJ
ajfa-5290	107	23	variables	variable	NOUN
ajfa-5290	107	24	were	be	AUX
ajfa-5290	107	25	operational	operational	ADJ
ajfa-5290	107	26	self	self	NOUN
ajfa-5290	107	27	sustainability	sustainability	NOUN
ajfa-5290	107	28	,	,	PUNCT
ajfa-5290	107	29	financial	financial	ADJ
ajfa-5290	107	30	self	self	NOUN
ajfa-5290	107	31	sustainability	sustainability	NOUN
ajfa-5290	107	32	,	,	PUNCT
ajfa-5290	107	33	active	active	ADJ
ajfa-5290	107	34	borrowers	borrower	NOUN
ajfa-5290	107	35	and	and	CCONJ
ajfa-5290	107	36	average	average	ADJ
ajfa-5290	107	37	loan	loan	NOUN
ajfa-5290	107	38	size	size	NOUN
ajfa-5290	107	39	.	.	PUNCT
ajfa-5290	108	1	the	the	DET
ajfa-5290	108	2	study	study	NOUN
ajfa-5290	108	3	used	use	VERB
ajfa-5290	108	4	the	the	DET
ajfa-5290	108	5	first	first	ADJ
ajfa-5290	108	6	and	and	CCONJ
ajfa-5290	108	7	the	the	DET
ajfa-5290	108	8	second	second	ADJ
ajfa-5290	108	9	two	two	NUM
ajfa-5290	108	10	variables	variable	NOUN
ajfa-5290	108	11	to	to	PART
ajfa-5290	108	12	measure	measure	VERB
ajfa-5290	108	13	the	the	DET
ajfa-5290	108	14	financial	financial	ADJ
ajfa-5290	108	15	sustainability	sustainability	NOUN
ajfa-5290	108	16	and	and	CCONJ
ajfa-5290	108	17	outreach	outreach	NOUN
ajfa-5290	108	18	of	of	ADP
ajfa-5290	108	19	the	the	DET
ajfa-5290	108	20	saccos	saccos	PROPN
ajfa-5290	108	21	respectively	respectively	ADV
ajfa-5290	108	22	.	.	PUNCT
ajfa-5290	109	1	tesfamariam	tesfamariam	PROPN
ajfa-5290	109	2	et	et	PROPN
ajfa-5290	109	3	al	al	PROPN
ajfa-5290	109	4	(	(	PUNCT
ajfa-5290	109	5	2013	2013	NUM
ajfa-5290	109	6	)	)	PUNCT
ajfa-5290	109	7	applied	apply	VERB
ajfa-5290	109	8	the	the	DET
ajfa-5290	109	9	data	datum	NOUN
ajfa-5290	109	10	envelopment	envelopment	NOUN
ajfa-5290	109	11	analysis	analysis	NOUN
ajfa-5290	109	12	to	to	PART
ajfa-5290	109	13	examine	examine	VERB
ajfa-5290	109	14	the	the	DET
ajfa-5290	109	15	relative	relative	ADJ
ajfa-5290	109	16	efficiency	efficiency	NOUN
ajfa-5290	109	17	of	of	ADP
ajfa-5290	109	18	rural	rural	ADJ
ajfa-5290	109	19	saccos	sacco	NOUN
ajfa-5290	109	20	in	in	ADP
ajfa-5290	109	21	ethiopia	ethiopia	PROPN
ajfa-5290	109	22	where	where	SCONJ
ajfa-5290	109	23	they	they	PRON
ajfa-5290	109	24	specified	specify	VERB
ajfa-5290	109	25	total	total	ADJ
ajfa-5290	109	26	expenses	expense	NOUN
ajfa-5290	109	27	and	and	CCONJ
ajfa-5290	109	28	savings	saving	NOUN
ajfa-5290	109	29	and	and	CCONJ
ajfa-5290	109	30	loans	loan	NOUN
ajfa-5290	109	31	and	and	CCONJ
ajfa-5290	109	32	total	total	ADJ
ajfa-5290	109	33	income	income	NOUN
ajfa-5290	109	34	as	as	ADP
ajfa-5290	109	35	inputs	input	NOUN
ajfa-5290	109	36	and	and	CCONJ
ajfa-5290	109	37	outputs	output	NOUN
ajfa-5290	109	38	respectively	respectively	ADV
ajfa-5290	109	39	.	.	PUNCT
ajfa-5290	110	1	moreover	moreover	ADV
ajfa-5290	110	2	,	,	PUNCT
ajfa-5290	110	3	dong	dong	PROPN
ajfa-5290	110	4	and	and	CCONJ
ajfa-5290	110	5	featherstone	featherstone	PROPN
ajfa-5290	110	6	(	(	PUNCT
ajfa-5290	110	7	2004	2004	NUM
ajfa-5290	110	8	)	)	PUNCT
ajfa-5290	110	9	studied	study	VERB
ajfa-5290	110	10	the	the	DET
ajfa-5290	110	11	technical	technical	ADJ
ajfa-5290	110	12	and	and	CCONJ
ajfa-5290	110	13	scale	scale	NOUN
ajfa-5290	110	14	efficiencies	efficiency	NOUN
ajfa-5290	110	15	of	of	ADP
ajfa-5290	110	16	chinese	chinese	ADJ
ajfa-5290	110	17	rural	rural	ADJ
ajfa-5290	110	18	credit	credit	NOUN
ajfa-5290	110	19	cooperatives	cooperative	NOUN
ajfa-5290	110	20	by	by	ADP
ajfa-5290	110	21	using	use	VERB
ajfa-5290	110	22	a	a	DET
ajfa-5290	110	23	bootstrapping	bootstrappe	VERB
ajfa-5290	110	24	approach	approach	NOUN
ajfa-5290	110	25	in	in	ADP
ajfa-5290	110	26	dea	dea	PROPN
ajfa-5290	110	27	and	and	CCONJ
ajfa-5290	110	28	treated	treat	VERB
ajfa-5290	110	29	deposits	deposit	NOUN
ajfa-5290	110	30	as	as	ADP
ajfa-5290	110	31	inputs	input	NOUN
ajfa-5290	110	32	and	and	CCONJ
ajfa-5290	110	33	loans	loan	NOUN
ajfa-5290	110	34	as	as	ADP
ajfa-5290	110	35	outputs	output	NOUN
ajfa-5290	110	36	.	.	PUNCT
ajfa-5290	111	1	similarly	similarly	ADV
ajfa-5290	111	2	,	,	PUNCT
ajfa-5290	111	3	kipesha	kipesha	PROPN
ajfa-5290	111	4	(	(	PUNCT
ajfa-5290	111	5	2012	2012	NUM
ajfa-5290	111	6	)	)	PUNCT
ajfa-5290	111	7	assessed	assess	VERB
ajfa-5290	111	8	the	the	DET
ajfa-5290	111	9	efficiency	efficiency	NOUN
ajfa-5290	111	10	of	of	ADP
ajfa-5290	111	11	microfinance	microfinance	NOUN
ajfa-5290	111	12	institutions	institution	NOUN
ajfa-5290	111	13	in	in	ADP
ajfa-5290	111	14	east	east	PROPN
ajfa-5290	111	15	africa	africa	PROPN
ajfa-5290	111	16	by	by	ADP
ajfa-5290	111	17	using	use	VERB
ajfa-5290	111	18	dea	dea	PROPN
ajfa-5290	111	19	.	.	PUNCT
ajfa-5290	112	1	kipesha	kipesha	PROPN
ajfa-5290	112	2	asserted	assert	VERB
ajfa-5290	112	3	that	that	SCONJ
ajfa-5290	112	4	a	a	DET
ajfa-5290	112	5	simple	simple	ADJ
ajfa-5290	112	6	dea	dea	PROPN
ajfa-5290	112	7	model	model	NOUN
ajfa-5290	112	8	to	to	PART
ajfa-5290	112	9	measure	measure	VERB
ajfa-5290	112	10	the	the	DET
ajfa-5290	112	11	technical	technical	ADJ
ajfa-5290	112	12	efficiency	efficiency	NOUN
ajfa-5290	112	13	using	use	VERB
ajfa-5290	112	14	input	input	NOUN
ajfa-5290	112	15	oriented	orient	VERB
ajfa-5290	112	16	approach	approach	NOUN
ajfa-5290	112	17	for	for	ADP
ajfa-5290	112	18	mfi	mfi	PROPN
ajfa-5290	112	19	(	(	PUNCT
ajfa-5290	112	20	including	include	VERB
ajfa-5290	112	21	cooperative	cooperative	ADJ
ajfa-5290	112	22	mfis	mfis	NOUN
ajfa-5290	112	23	such	such	ADJ
ajfa-5290	112	24	as	as	ADP
ajfa-5290	112	25	saccos	sacco	NOUN
ajfa-5290	112	26	)	)	PUNCT
ajfa-5290	112	27	can	can	AUX
ajfa-5290	112	28	be	be	AUX
ajfa-5290	112	29	asian	asian	ADJ
ajfa-5290	112	30	journal	journal	NOUN
ajfa-5290	112	31	of	of	ADP
ajfa-5290	112	32	finance	finance	PROPN
ajfa-5290	112	33	&	&	CCONJ
ajfa-5290	112	34	accounting	accounting	PROPN
ajfa-5290	112	35	issn	issn	PROPN
ajfa-5290	112	36	1946	1946	NUM
ajfa-5290	112	37	-	-	PUNCT
ajfa-5290	112	38	052x	052x	PROPN
ajfa-5290	112	39	2014	2014	NUM
ajfa-5290	112	40	,	,	PUNCT
ajfa-5290	112	41	vol	vol	NOUN
ajfa-5290	112	42	.	.	PROPN
ajfa-5290	112	43	6	6	NUM
ajfa-5290	112	44	,	,	PUNCT
ajfa-5290	112	45	no	no	INTJ
ajfa-5290	112	46	.	.	NOUN
ajfa-5290	112	47	1	1	NUM
ajfa-5290	112	48	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-5290	112	49	204	204	NUM
ajfa-5290	112	50	constructed	construct	VERB
ajfa-5290	112	51	by	by	ADP
ajfa-5290	112	52	assuming	assume	VERB
ajfa-5290	112	53	that	that	SCONJ
ajfa-5290	112	54	there	there	PRON
ajfa-5290	112	55	is	be	VERB
ajfa-5290	112	56	k	k	PROPN
ajfa-5290	112	57	decision	decision	NOUN
ajfa-5290	112	58	making	make	VERB
ajfa-5290	112	59	units	unit	NOUN
ajfa-5290	112	60	(	(	PUNCT
ajfa-5290	112	61	dmus	dmus	NOUN
ajfa-5290	112	62	or	or	CCONJ
ajfa-5290	112	63	mfis	mfis	NOUN
ajfa-5290	112	64	)	)	PUNCT
ajfa-5290	112	65	which	which	PRON
ajfa-5290	112	66	utilize	utilize	VERB
ajfa-5290	112	67	n	n	PRON
ajfa-5290	112	68	inputs	input	NOUN
ajfa-5290	112	69	to	to	PART
ajfa-5290	112	70	produce	produce	VERB
ajfa-5290	112	71	m	m	NOUN
ajfa-5290	112	72	outputs	output	NOUN
ajfa-5290	112	73	.	.	PUNCT
ajfa-5290	113	1	kipesha	kipesha	PROPN
ajfa-5290	113	2	(	(	PUNCT
ajfa-5290	113	3	2012	2012	NUM
ajfa-5290	113	4	)	)	PUNCT
ajfa-5290	113	5	argued	argue	VERB
ajfa-5290	113	6	that	that	SCONJ
ajfa-5290	113	7	if	if	SCONJ
ajfa-5290	113	8	inputs	input	NOUN
ajfa-5290	113	9	are	be	AUX
ajfa-5290	113	10	denoted	denote	VERB
ajfa-5290	113	11	by	by	ADP
ajfa-5290	113	12	xjk	xjk	PROPN
ajfa-5290	113	13	with	with	ADP
ajfa-5290	113	14	j=1	j=1	PROPN
ajfa-5290	113	15	…	…	PUNCT
ajfa-5290	113	16	n	n	NUM
ajfa-5290	113	17	and	and	CCONJ
ajfa-5290	113	18	outputs	output	NOUN
ajfa-5290	113	19	by	by	ADP
ajfa-5290	113	20	yik	yik	PROPN
ajfa-5290	113	21	with	with	ADP
ajfa-5290	113	22	i=1	i=1	PROPN
ajfa-5290	113	23	…	…	PUNCT
ajfa-5290	113	24	m	m	VERB
ajfa-5290	113	25	for	for	ADP
ajfa-5290	113	26	each	each	DET
ajfa-5290	113	27	dmu	dmu	PROPN
ajfa-5290	113	28	,	,	PUNCT
ajfa-5290	113	29	the	the	DET
ajfa-5290	113	30	technical	technical	ADJ
ajfa-5290	113	31	efficiency	efficiency	NOUN
ajfa-5290	113	32	for	for	ADP
ajfa-5290	113	33	dmu	dmu	PROPN
ajfa-5290	113	34	under	under	ADP
ajfa-5290	113	35	inputs	input	NOUN
ajfa-5290	113	36	specification	specification	NOUN
ajfa-5290	113	37	can	can	AUX
ajfa-5290	113	38	be	be	AUX
ajfa-5290	113	39	expressed	express	VERB
ajfa-5290	113	40	as	as	ADP
ajfa-5290	113	41	:	:	PUNCT
ajfa-5290	114	1	kr	kr	PROPN
ajfa-5290	114	2	vjxjk	vjxjk	PROPN
ajfa-5290	114	3	uiyis	uiyis	PROPN
ajfa-5290	114	4	minte	minte	PROPN
ajfa-5290	114	5	n	n	PROPN
ajfa-5290	114	6	j	j	PROPN
ajfa-5290	114	7	m	m	VERB
ajfa-5290	114	8	i	i	PRON
ajfa-5290	114	9	....	....	PUNCT
ajfa-5290	114	10	1	1	NUM
ajfa-5290	114	11	1	1	NUM
ajfa-5290	114	12	1	1	NUM
ajfa-5290	114	13	=	=	NUM
ajfa-5290	114	14	−−−−−−=	−−−−−−=	NOUN
ajfa-5290	114	15			X
ajfa-5290	114	16			X
ajfa-5290	115	1	=	=	PUNCT
ajfa-5290	115	2	=	=	SYM
ajfa-5290	115	3			X
ajfa-5290	115	4	=	=	PUNCT
ajfa-5290	115	5	≥+−=	≥+−=	NOUN
ajfa-5290	115	6	m	m	VERB
ajfa-5290	115	7	i	i	PRON
ajfa-5290	115	8	wyifuiyrsubjecto	wyifuiyrsubjecto	VERB
ajfa-5290	116	1	1	1	NUM
ajfa-5290	116	2	0	0	NUM
ajfa-5290	116	3			X
ajfa-5290	116	4	=	=	PUNCT
ajfa-5290	116	5	≥−	≥−	X
ajfa-5290	116	6	n	n	PROPN
ajfa-5290	116	7	j	j	PROPN
ajfa-5290	116	8	ujxkxjr	ujxkxjr	NOUN
ajfa-5290	116	9	1	1	NUM
ajfa-5290	116	10	0	0	NUM
ajfa-5290	116	11	ui	ui	NOUN
ajfa-5290	116	12	and	and	CCONJ
ajfa-5290	116	13	vj	vj	INTJ
ajfa-5290	116	14	0≥	0≥	PROPN
ajfa-5290	116	15	where	where	SCONJ
ajfa-5290	116	16	ui	ui	PROPN
ajfa-5290	116	17	and	and	CCONJ
ajfa-5290	116	18	vj	vj	PROPN
ajfa-5290	116	19	are	be	AUX
ajfa-5290	116	20	the	the	DET
ajfa-5290	116	21	weights	weight	NOUN
ajfa-5290	116	22	of	of	ADP
ajfa-5290	116	23	output	output	NOUN
ajfa-5290	116	24	and	and	CCONJ
ajfa-5290	116	25	input	input	NOUN
ajfa-5290	116	26	correspondingly	correspondingly	ADV
ajfa-5290	116	27	(	(	PUNCT
ajfa-5290	116	28	kipesha	kipesha	PROPN
ajfa-5290	116	29	,	,	PUNCT
ajfa-5290	116	30	2012	2012	NUM
ajfa-5290	116	31	)	)	PUNCT
ajfa-5290	116	32	.	.	PUNCT
ajfa-5290	117	1	2.3	2.3	NUM
ajfa-5290	117	2	empirical	empirical	ADJ
ajfa-5290	117	3	descriptive	descriptive	ADJ
ajfa-5290	117	4	studies	study	NOUN
ajfa-5290	117	5	done	do	VERB
ajfa-5290	117	6	in	in	ADP
ajfa-5290	117	7	saccos	saccos	PROPN
ajfa-5290	117	8	from	from	ADP
ajfa-5290	117	9	tanzania	tanzania	PROPN
ajfa-5290	117	10	some	some	DET
ajfa-5290	117	11	studies	study	NOUN
ajfa-5290	117	12	in	in	ADP
ajfa-5290	117	13	tanzania	tanzania	PROPN
ajfa-5290	117	14	explain	explain	VERB
ajfa-5290	117	15	issues	issue	NOUN
ajfa-5290	117	16	in	in	ADP
ajfa-5290	117	17	saccos	sacco	NOUN
ajfa-5290	117	18	by	by	ADP
ajfa-5290	117	19	using	use	VERB
ajfa-5290	117	20	descriptive	descriptive	ADJ
ajfa-5290	117	21	and	and	CCONJ
ajfa-5290	117	22	qualitative	qualitative	ADJ
ajfa-5290	117	23	analysis	analysis	NOUN
ajfa-5290	117	24	.	.	PUNCT
ajfa-5290	118	1	piprek	piprek	NOUN
ajfa-5290	118	2	(	(	PUNCT
ajfa-5290	118	3	2007	2007	NUM
ajfa-5290	118	4	)	)	PUNCT
ajfa-5290	118	5	examined	examine	VERB
ajfa-5290	118	6	the	the	DET
ajfa-5290	118	7	links	link	NOUN
ajfa-5290	118	8	between	between	ADP
ajfa-5290	118	9	saccos	saccos	PROPN
ajfa-5290	118	10	and	and	CCONJ
ajfa-5290	118	11	crdb	crdb	PROPN
ajfa-5290	118	12	bank	bank	PROPN
ajfa-5290	118	13	in	in	ADP
ajfa-5290	118	14	expanding	expand	VERB
ajfa-5290	118	15	the	the	DET
ajfa-5290	118	16	access	access	NOUN
ajfa-5290	118	17	of	of	ADP
ajfa-5290	118	18	financial	financial	ADJ
ajfa-5290	118	19	service	service	NOUN
ajfa-5290	118	20	in	in	ADP
ajfa-5290	118	21	rural	rural	ADJ
ajfa-5290	118	22	areas	area	NOUN
ajfa-5290	118	23	.	.	PUNCT
ajfa-5290	119	1	magali	magali	PROPN
ajfa-5290	119	2	and	and	CCONJ
ajfa-5290	119	3	qiong	qiong	PROPN
ajfa-5290	119	4	(	(	PUNCT
ajfa-5290	119	5	2014	2014	NUM
ajfa-5290	119	6	)	)	PUNCT
ajfa-5290	119	7	compared	compare	VERB
ajfa-5290	119	8	the	the	DET
ajfa-5290	119	9	commercial	commercial	ADJ
ajfa-5290	119	10	banks	bank	NOUN
ajfa-5290	119	11	and	and	CCONJ
ajfa-5290	119	12	rural	rural	ADJ
ajfa-5290	119	13	saccos	saccos	PROPN
ajfa-5290	119	14	’	'	PUNCT
ajfa-5290	119	15	credits	credit	VERB
ajfa-5290	119	16	risk	risk	NOUN
ajfa-5290	119	17	management	management	NOUN
ajfa-5290	119	18	.	.	PUNCT
ajfa-5290	120	1	magali	magali	PROPN
ajfa-5290	120	2	(	(	PUNCT
ajfa-5290	120	3	2014	2014	NUM
ajfa-5290	120	4	)	)	PUNCT
ajfa-5290	120	5	investigated	investigate	VERB
ajfa-5290	120	6	the	the	DET
ajfa-5290	120	7	influence	influence	NOUN
ajfa-5290	120	8	of	of	ADP
ajfa-5290	120	9	leadership	leadership	NOUN
ajfa-5290	120	10	,	,	PUNCT
ajfa-5290	120	11	corporate	corporate	ADJ
ajfa-5290	120	12	governance	governance	NOUN
ajfa-5290	120	13	and	and	CCONJ
ajfa-5290	120	14	regulations	regulation	NOUN
ajfa-5290	120	15	on	on	ADP
ajfa-5290	120	16	credits	credit	NOUN
ajfa-5290	120	17	risk	risk	NOUN
ajfa-5290	120	18	management	management	NOUN
ajfa-5290	120	19	on	on	ADP
ajfa-5290	120	20	rural	rural	ADJ
ajfa-5290	120	21	saccos	sacco	NOUN
ajfa-5290	120	22	.	.	PUNCT
ajfa-5290	121	1	kyessi	kyessi	PROPN
ajfa-5290	121	2	and	and	CCONJ
ajfa-5290	121	3	furaha	furaha	PROPN
ajfa-5290	121	4	(	(	PUNCT
ajfa-5290	121	5	2010	2010	NUM
ajfa-5290	121	6	)	)	PUNCT
ajfa-5290	121	7	examined	examine	VERB
ajfa-5290	121	8	the	the	DET
ajfa-5290	121	9	access	access	NOUN
ajfa-5290	121	10	of	of	ADP
ajfa-5290	121	11	housing	housing	NOUN
ajfa-5290	121	12	loans	loan	NOUN
ajfa-5290	121	13	by	by	ADP
ajfa-5290	121	14	the	the	DET
ajfa-5290	121	15	urban	urban	ADJ
ajfa-5290	121	16	poor	poor	ADJ
ajfa-5290	121	17	clients	client	NOUN
ajfa-5290	121	18	from	from	ADP
ajfa-5290	121	19	wat	wat	NOUN
ajfa-5290	121	20	-	-	PUNCT
ajfa-5290	121	21	saccos	saccos	PROPN
ajfa-5290	121	22	in	in	ADP
ajfa-5290	121	23	dar	dar	PROPN
ajfa-5290	121	24	es	es	ADP
ajfa-5290	121	25	salaam	salaam	NOUN
ajfa-5290	121	26	by	by	ADP
ajfa-5290	121	27	using	use	VERB
ajfa-5290	121	28	descriptive	descriptive	ADJ
ajfa-5290	121	29	and	and	CCONJ
ajfa-5290	121	30	pictorial	pictorial	ADJ
ajfa-5290	121	31	presentation	presentation	NOUN
ajfa-5290	121	32	.	.	PUNCT
ajfa-5290	122	1	karumuna	karumuna	NOUN
ajfa-5290	122	2	and	and	CCONJ
ajfa-5290	122	3	akyoo	akyoo	PROPN
ajfa-5290	122	4	(	(	PUNCT
ajfa-5290	122	5	2012	2012	NUM
ajfa-5290	122	6	)	)	PUNCT
ajfa-5290	122	7	studied	study	VERB
ajfa-5290	122	8	the	the	DET
ajfa-5290	122	9	challenges	challenge	NOUN
ajfa-5290	122	10	faced	face	VERB
ajfa-5290	122	11	the	the	DET
ajfa-5290	122	12	kibaigwa	kibaigwa	PROPN
ajfa-5290	122	13	financial	financial	PROPN
ajfa-5290	122	14	services	services	PROPN
ajfa-5290	122	15	and	and	CCONJ
ajfa-5290	122	16	credit	credit	NOUN
ajfa-5290	122	17	cooperative	cooperative	ADJ
ajfa-5290	122	18	society	society	NOUN
ajfa-5290	122	19	(	(	PUNCT
ajfa-5290	122	20	kifisaccos	kifisaccos	PROPN
ajfa-5290	122	21	)	)	PUNCT
ajfa-5290	122	22	in	in	ADP
ajfa-5290	122	23	kongwa	kongwa	NOUN
ajfa-5290	122	24	district	district	NOUN
ajfa-5290	122	25	by	by	ADP
ajfa-5290	122	26	using	use	VERB
ajfa-5290	122	27	descriptive	descriptive	ADJ
ajfa-5290	122	28	and	and	CCONJ
ajfa-5290	122	29	swot	swot	VERB
ajfa-5290	122	30	analysis	analysis	NOUN
ajfa-5290	122	31	while	while	SCONJ
ajfa-5290	122	32	bwana	bwana	PROPN
ajfa-5290	122	33	and	and	CCONJ
ajfa-5290	122	34	mwakujonga	mwakujonga	NOUN
ajfa-5290	122	35	(	(	PUNCT
ajfa-5290	122	36	2013	2013	NUM
ajfa-5290	122	37	)	)	PUNCT
ajfa-5290	122	38	studied	study	VERB
ajfa-5290	122	39	the	the	DET
ajfa-5290	122	40	issues	issue	NOUN
ajfa-5290	122	41	related	relate	VERB
ajfa-5290	122	42	with	with	ADP
ajfa-5290	122	43	saccos	sacco	NOUN
ajfa-5290	122	44	’	'	PUNCT
ajfa-5290	122	45	development	development	NOUN
ajfa-5290	122	46	in	in	ADP
ajfa-5290	122	47	kenya	kenya	PROPN
ajfa-5290	122	48	and	and	CCONJ
ajfa-5290	122	49	tanzania	tanzania	PROPN
ajfa-5290	122	50	by	by	ADP
ajfa-5290	122	51	using	use	VERB
ajfa-5290	122	52	the	the	DET
ajfa-5290	122	53	literature	literature	NOUN
ajfa-5290	122	54	review	review	NOUN
ajfa-5290	122	55	.	.	PUNCT
ajfa-5290	123	1	2.4	2.4	NUM
ajfa-5290	123	2	empirical	empirical	ADJ
ajfa-5290	123	3	saccos	sacco	NOUN
ajfa-5290	123	4	’	'	PUNCT
ajfa-5290	123	5	studies	study	NOUN
ajfa-5290	123	6	which	which	PRON
ajfa-5290	123	7	applied	apply	VERB
ajfa-5290	123	8	models	model	NOUN
ajfa-5290	123	9	in	in	ADP
ajfa-5290	123	10	tanzania	tanzania	PROPN
ajfa-5290	123	11	since	since	SCONJ
ajfa-5290	123	12	2010	2010	NUM
ajfa-5290	123	13	tanzanian	tanzanian	ADJ
ajfa-5290	123	14	scholars	scholar	NOUN
ajfa-5290	123	15	are	be	AUX
ajfa-5290	123	16	motivated	motivated	ADJ
ajfa-5290	123	17	to	to	PART
ajfa-5290	123	18	model	model	VERB
ajfa-5290	123	19	saccos	saccos	PROPN
ajfa-5290	123	20	’	'	PUNCT
ajfa-5290	123	21	variables	variable	NOUN
ajfa-5290	123	22	in	in	ADP
ajfa-5290	123	23	tanzania	tanzania	PROPN
ajfa-5290	123	24	.	.	PUNCT
ajfa-5290	124	1	kushoka	kushoka	PROPN
ajfa-5290	124	2	(	(	PUNCT
ajfa-5290	124	3	2013	2013	NUM
ajfa-5290	124	4	)	)	PUNCT
ajfa-5290	124	5	analysed	analyse	VERB
ajfa-5290	124	6	the	the	DET
ajfa-5290	124	7	sustainability	sustainability	NOUN
ajfa-5290	124	8	of	of	ADP
ajfa-5290	124	9	an	an	DET
ajfa-5290	124	10	employee	employee	NOUN
ajfa-5290	124	11	based	base	VERB
ajfa-5290	124	12	saccos	saccos	PROPN
ajfa-5290	124	13	at	at	ADP
ajfa-5290	124	14	dar	dar	PROPN
ajfa-5290	124	15	es	es	PROPN
ajfa-5290	124	16	salaam	salaam	PROPN
ajfa-5290	124	17	city	city	PROPN
ajfa-5290	124	18	in	in	ADP
ajfa-5290	124	19	tanzania	tanzania	PROPN
ajfa-5290	124	20	by	by	ADP
ajfa-5290	124	21	using	use	VERB
ajfa-5290	124	22	the	the	DET
ajfa-5290	124	23	likert	likert	ADJ
ajfa-5290	124	24	scale	scale	NOUN
ajfa-5290	124	25	and	and	CCONJ
ajfa-5290	124	26	linear	linear	PROPN
ajfa-5290	124	27	regression	regression	NOUN
ajfa-5290	124	28	model	model	NOUN
ajfa-5290	124	29	.	.	PUNCT
ajfa-5290	125	1	the	the	DET
ajfa-5290	125	2	model	model	NOUN
ajfa-5290	125	3	was	be	AUX
ajfa-5290	125	4	written	write	VERB
ajfa-5290	125	5	as	as	SCONJ
ajfa-5290	125	6	follows	follow	VERB
ajfa-5290	125	7	:	:	PUNCT
ajfa-5290	125	8	μβ	μβ	ADP
ajfa-5290	125	9	+	+	PROPN
ajfa-5290	125	10	+	+	ADJ
ajfa-5290	125	11	+	+	ADJ
ajfa-5290	125	12	=	=	SYM
ajfa-5290	125	13	210	210	NUM
ajfa-5290	125	14	bxaxy	bxaxy	VERB
ajfa-5290	125	15	where	where	SCONJ
ajfa-5290	125	16	y	y	PROPN
ajfa-5290	125	17	=	=	NOUN
ajfa-5290	125	18	sustainability	sustainability	NOUN
ajfa-5290	125	19	,	,	PUNCT
ajfa-5290	125	20	0β	0β	NOUN
ajfa-5290	125	21	=	=	SYM
ajfa-5290	125	22	intercept	intercept	NOUN
ajfa-5290	125	23	,	,	PUNCT
ajfa-5290	125	24	x1	x1	PROPN
ajfa-5290	125	25	=	=	NOUN
ajfa-5290	125	26	capital	capital	NOUN
ajfa-5290	125	27	base	base	NOUN
ajfa-5290	125	28	,	,	PUNCT
ajfa-5290	126	1	x2	x2	PROPN
ajfa-5290	126	2	=	=	NOUN
ajfa-5290	126	3	amount	amount	NOUN
ajfa-5290	126	4	of	of	ADP
ajfa-5290	126	5	loans	loan	NOUN
ajfa-5290	126	6	issued	issue	VERB
ajfa-5290	126	7	,	,	PUNCT
ajfa-5290	126	8	a	a	PRON
ajfa-5290	126	9	&	&	CCONJ
ajfa-5290	126	10	b	b	X
ajfa-5290	126	11	=	=	NOUN
ajfa-5290	126	12	coefficients	coefficient	NOUN
ajfa-5290	126	13	of	of	ADP
ajfa-5290	126	14	x1	x1	PROPN
ajfa-5290	126	15	and	and	CCONJ
ajfa-5290	126	16	x2	x2	PROPN
ajfa-5290	126	17	and	and	CCONJ
ajfa-5290	126	18	μ	μ	NOUN
ajfa-5290	126	19	=	=	NOUN
ajfa-5290	126	20	error	error	NOUN
ajfa-5290	126	21	term	term	NOUN
ajfa-5290	126	22	.	.	PUNCT
ajfa-5290	127	1	qin	qin	PROPN
ajfa-5290	127	2	and	and	CCONJ
ajfa-5290	127	3	ndiege	ndiege	PROPN
ajfa-5290	127	4	(	(	PUNCT
ajfa-5290	127	5	2013	2013	NUM
ajfa-5290	127	6	)	)	PUNCT
ajfa-5290	127	7	assessed	assess	VERB
ajfa-5290	127	8	the	the	DET
ajfa-5290	127	9	role	role	NOUN
ajfa-5290	127	10	saccos	sacco	NOUN
ajfa-5290	127	11	in	in	ADP
ajfa-5290	127	12	economic	economic	ADJ
ajfa-5290	127	13	growth	growth	NOUN
ajfa-5290	127	14	in	in	ADP
ajfa-5290	127	15	tanzania	tanzania	PROPN
ajfa-5290	127	16	.	.	PUNCT
ajfa-5290	128	1	they	they	PRON
ajfa-5290	128	2	applied	apply	VERB
ajfa-5290	128	3	econometric	econometric	ADJ
ajfa-5290	128	4	model	model	NOUN
ajfa-5290	128	5	which	which	PRON
ajfa-5290	128	6	captures	capture	VERB
ajfa-5290	128	7	the	the	DET
ajfa-5290	128	8	time	time	NOUN
ajfa-5290	128	9	series	series	PROPN
ajfa-5290	128	10	data	data	PROPN
ajfa-5290	128	11	.	.	PUNCT
ajfa-5290	129	1	the	the	DET
ajfa-5290	129	2	model	model	NOUN
ajfa-5290	129	3	was	be	AUX
ajfa-5290	129	4	specified	specify	VERB
ajfa-5290	129	5	as	as	ADP
ajfa-5290	129	6	:	:	PUNCT
ajfa-5290	129	7	asian	asian	ADJ
ajfa-5290	129	8	journal	journal	NOUN
ajfa-5290	129	9	of	of	ADP
ajfa-5290	129	10	finance	finance	PROPN
ajfa-5290	129	11	&	&	CCONJ
ajfa-5290	129	12	accounting	accounting	PROPN
ajfa-5290	129	13	issn	issn	PROPN
ajfa-5290	129	14	1946	1946	NUM
ajfa-5290	129	15	-	-	PUNCT
ajfa-5290	129	16	052x	052x	PROPN
ajfa-5290	129	17	2014	2014	NUM
ajfa-5290	129	18	,	,	PUNCT
ajfa-5290	129	19	vol	vol	NOUN
ajfa-5290	129	20	.	.	PROPN
ajfa-5290	130	1	6	6	NUM
ajfa-5290	130	2	,	,	PUNCT
ajfa-5290	130	3	no	no	INTJ
ajfa-5290	130	4	.	.	NOUN
ajfa-5290	130	5	1	1	NUM
ajfa-5290	130	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-5290	130	7	205	205	NUM
ajfa-5290	130	8	ittttttt	ittttttt	NOUN
ajfa-5290	130	9	intrinflsgdpcgdprpgdp	intrinflsgdpcgdprpgdp	NOUN
ajfa-5290	130	10	μβββββ	μβββββ	VERB
ajfa-5290	131	1	+	+	PROPN
ajfa-5290	131	2	+	+	ADJ
ajfa-5290	131	3	+	+	ADJ
ajfa-5290	131	4	+	+	ADJ
ajfa-5290	131	5	+	+	NOUN
ajfa-5290	131	6	=	=	SYM
ajfa-5290	131	7	)	)	PUNCT
ajfa-5290	131	8	(	(	PUNCT
ajfa-5290	131	9	)	)	PUNCT
ajfa-5290	131	10	(	(	PUNCT
ajfa-5290	131	11	)	)	PUNCT
ajfa-5290	131	12	(	(	PUNCT
ajfa-5290	131	13	)	)	PUNCT
ajfa-5290	131	14	(	(	PUNCT
ajfa-5290	131	15	)	)	PUNCT
ajfa-5290	131	16	(	(	PUNCT
ajfa-5290	131	17	4320	4320	NUM
ajfa-5290	132	1	where	where	SCONJ
ajfa-5290	132	2	rpgdp	rpgdp	NOUN
ajfa-5290	132	3	=	=	PROPN
ajfa-5290	132	4	real	real	ADJ
ajfa-5290	132	5	gdp	gdp	NOUN
ajfa-5290	132	6	per	per	ADP
ajfa-5290	132	7	capita	capita	NOUN
ajfa-5290	132	8	which	which	PRON
ajfa-5290	132	9	was	be	AUX
ajfa-5290	132	10	used	use	VERB
ajfa-5290	132	11	to	to	PART
ajfa-5290	132	12	measure	measure	VERB
ajfa-5290	132	13	the	the	DET
ajfa-5290	132	14	economic	economic	ADJ
ajfa-5290	132	15	growth	growth	NOUN
ajfa-5290	132	16	,	,	PUNCT
ajfa-5290	132	17	(	(	PUNCT
ajfa-5290	132	18	cgdp	cgdp	NOUN
ajfa-5290	132	19	)	)	PUNCT
ajfa-5290	132	20	=	=	PUNCT
ajfa-5290	132	21	credits	credit	NOUN
ajfa-5290	132	22	divided	divide	VERB
ajfa-5290	132	23	by	by	ADP
ajfa-5290	132	24	real	real	ADJ
ajfa-5290	132	25	gdp	gdp	NOUN
ajfa-5290	132	26	per	per	ADP
ajfa-5290	132	27	capita	capita	NOUN
ajfa-5290	132	28	and	and	CCONJ
ajfa-5290	132	29	sgdp	sgdp	NOUN
ajfa-5290	132	30	=	=	NOUN
ajfa-5290	132	31	savings	saving	NOUN
ajfa-5290	132	32	divided	divide	VERB
ajfa-5290	132	33	by	by	ADP
ajfa-5290	132	34	real	real	ADJ
ajfa-5290	132	35	gdp	gdp	NOUN
ajfa-5290	132	36	per	per	ADP
ajfa-5290	132	37	capita	capita	NOUN
ajfa-5290	133	1	.	.	PUNCT
ajfa-5290	134	1	the	the	DET
ajfa-5290	134	2	two	two	NUM
ajfa-5290	134	3	proxies	proxy	NOUN
ajfa-5290	134	4	were	be	AUX
ajfa-5290	134	5	used	use	VERB
ajfa-5290	134	6	to	to	PART
ajfa-5290	134	7	measure	measure	VERB
ajfa-5290	134	8	the	the	DET
ajfa-5290	134	9	financial	financial	ADJ
ajfa-5290	134	10	deepening	deepening	NOUN
ajfa-5290	134	11	in	in	ADP
ajfa-5290	134	12	saccos	sacco	NOUN
ajfa-5290	134	13	while	while	SCONJ
ajfa-5290	134	14	inflation	inflation	NOUN
ajfa-5290	134	15	rate	rate	NOUN
ajfa-5290	134	16	(	(	PUNCT
ajfa-5290	134	17	infl	infl	PROPN
ajfa-5290	134	18	)	)	PUNCT
ajfa-5290	134	19	and	and	CCONJ
ajfa-5290	134	20	real	real	ADJ
ajfa-5290	134	21	interest	interest	NOUN
ajfa-5290	134	22	rate	rate	NOUN
ajfa-5290	134	23	(	(	PUNCT
ajfa-5290	134	24	intr	intr	PROPN
ajfa-5290	134	25	)	)	PUNCT
ajfa-5290	134	26	were	be	AUX
ajfa-5290	134	27	used	use	VERB
ajfa-5290	134	28	as	as	ADP
ajfa-5290	134	29	controlling	control	VERB
ajfa-5290	134	30	variables	variable	NOUN
ajfa-5290	134	31	.	.	PUNCT
ajfa-5290	135	1	magali	magali	PROPN
ajfa-5290	135	2	(	(	PUNCT
ajfa-5290	135	3	2013d	2013d	NUM
ajfa-5290	135	4	)	)	PUNCT
ajfa-5290	135	5	assessed	assess	VERB
ajfa-5290	135	6	the	the	DET
ajfa-5290	135	7	impacts	impact	NOUN
ajfa-5290	135	8	of	of	ADP
ajfa-5290	135	9	rural	rural	ADJ
ajfa-5290	135	10	saccos	sacco	NOUN
ajfa-5290	135	11	’	'	PUNCT
ajfa-5290	135	12	loans	loan	NOUN
ajfa-5290	135	13	on	on	ADP
ajfa-5290	135	14	borrowers	borrower	NOUN
ajfa-5290	135	15	in	in	ADP
ajfa-5290	135	16	tanzania	tanzania	NOUN
ajfa-5290	135	17	by	by	ADP
ajfa-5290	135	18	using	use	VERB
ajfa-5290	135	19	the	the	DET
ajfa-5290	135	20	logit	logit	NOUN
ajfa-5290	135	21	model	model	NOUN
ajfa-5290	135	22	which	which	PRON
ajfa-5290	135	23	was	be	AUX
ajfa-5290	135	24	expressed	express	VERB
ajfa-5290	135	25	as	as	ADP
ajfa-5290	135	26	:	:	PUNCT
ajfa-5290	135	27			PROPN
ajfa-5290	135	28			PROPN
ajfa-5290	135	29			X
ajfa-5290	135	30			NOUN
ajfa-5290	135	31			VERB
ajfa-5290	135	32			NOUN
ajfa-5290	136	1	−	−	NOUN
ajfa-5290	137	1	=	=	PUNCT
ajfa-5290	137	2	i	i	PRON
ajfa-5290	138	1	i	i	PRON
ajfa-5290	138	2	p	p	X
ajfa-5290	138	3	p	p	NOUN
ajfa-5290	138	4	logplogit	logplogit	ADP
ajfa-5290	138	5	1	1	NUM
ajfa-5290	138	6	)	)	PUNCT
ajfa-5290	138	7	(	(	PUNCT
ajfa-5290	138	8	…	…	PUNCT
ajfa-5290	138	9	…	…	PUNCT
ajfa-5290	138	10	…	…	PUNCT
ajfa-5290	138	11	…	…	PUNCT
ajfa-5290	138	12	…	…	PUNCT
ajfa-5290	138	13	..	..	PUNCT
ajfa-5290	138	14	(	(	PUNCT
ajfa-5290	138	15	1	1	X
ajfa-5290	138	16	)	)	PUNCT
ajfa-5290	138	17	where	where	SCONJ
ajfa-5290	138	18	the	the	DET
ajfa-5290	138	19	term	term	NOUN
ajfa-5290	138	20	within	within	ADP
ajfa-5290	138	21	the	the	DET
ajfa-5290	138	22	square	square	ADJ
ajfa-5290	138	23	brackets	bracket	NOUN
ajfa-5290	138	24	is	be	AUX
ajfa-5290	138	25	the	the	DET
ajfa-5290	138	26	odd	odd	ADJ
ajfa-5290	138	27	of	of	ADP
ajfa-5290	138	28	an	an	DET
ajfa-5290	138	29	event	event	NOUN
ajfa-5290	138	30	occurring	occur	VERB
ajfa-5290	138	31	,	,	PUNCT
ajfa-5290	138	32	i.e	i.e	PRON
ajfa-5290	138	33	odd	odd	ADJ
ajfa-5290	138	34	of	of	ADP
ajfa-5290	138	35	a	a	DET
ajfa-5290	138	36	saccos	sacco	NOUN
ajfa-5290	138	37	’	'	PUNCT
ajfa-5290	138	38	borrower	borrower	NOUN
ajfa-5290	138	39	to	to	PART
ajfa-5290	138	40	perceive	perceive	VERB
ajfa-5290	138	41	the	the	DET
ajfa-5290	138	42	impacts	impact	NOUN
ajfa-5290	138	43	from	from	ADP
ajfa-5290	138	44	using	use	VERB
ajfa-5290	138	45	loans	loan	NOUN
ajfa-5290	138	46	let	let	VERB
ajfa-5290	138	47	:	:	PUNCT
ajfa-5290	138	48	)	)	PUNCT
ajfa-5290	139	1	1pr	1pr	NOUN
ajfa-5290	139	2	(	(	PUNCT
ajfa-5290	139	3	ii	ii	NUM
ajfa-5290	139	4	xxyp	xxyp	X
ajfa-5290	140	1	=	=	NOUN
ajfa-5290	140	2	=	=	SYM
ajfa-5290	140	3	=	=	SYM
ajfa-5290	140	4	…	…	PUNCT
ajfa-5290	140	5	…	…	PUNCT
ajfa-5290	140	6	…	…	PUNCT
ajfa-5290	140	7	…	…	PUNCT
ajfa-5290	140	8	…	…	PUNCT
ajfa-5290	140	9	…	…	PUNCT
ajfa-5290	140	10	.(2	.(2	NUM
ajfa-5290	140	11	)	)	PUNCT
ajfa-5290	140	12	then	then	ADV
ajfa-5290	140	13	the	the	DET
ajfa-5290	140	14	model	model	NOUN
ajfa-5290	140	15	was	be	AUX
ajfa-5290	140	16	written	write	VERB
ajfa-5290	140	17	as	as	ADP
ajfa-5290	140	18	:	:	PUNCT
ajfa-5290	140	19	μβββββββ	μβββββββ	ADJ
ajfa-5290	140	20	+	+	PROPN
ajfa-5290	140	21	+	+	ADJ
ajfa-5290	140	22	+	+	ADJ
ajfa-5290	140	23	+	+	ADJ
ajfa-5290	140	24	+	+	ADJ
ajfa-5290	140	25	+	+	ADJ
ajfa-5290	140	26	+	+	ADJ
ajfa-5290	140	27	=	=	ADJ
ajfa-5290	140	28	=	=	ADJ
ajfa-5290	140	29			ADJ
ajfa-5290	140	30			PROPN
ajfa-5290	140	31			X
ajfa-5290	140	32			NOUN
ajfa-5290	140	33			VERB
ajfa-5290	140	34			PROPN
ajfa-5290	140	35	−	−	PROPN
ajfa-5290	140	36	6655443322110	6655443322110	NUM
ajfa-5290	140	37	)	)	PUNCT
ajfa-5290	140	38	(	(	PUNCT
ajfa-5290	140	39	1	1	NUM
ajfa-5290	140	40	xxxxxxplogit	xxxxxxplogit	NOUN
ajfa-5290	140	41	p	p	PROPN
ajfa-5290	141	1	p	p	NOUN
ajfa-5290	141	2	log	log	NOUN
ajfa-5290	142	1	i	i	PRON
ajfa-5290	143	1	i	i	PRON
ajfa-5290	144	1	i	i	PRON
ajfa-5290	144	2	…	…	PUNCT
ajfa-5290	144	3	…	…	PUNCT
ajfa-5290	144	4	(	(	PUNCT
ajfa-5290	144	5	.3	.3	NUM
ajfa-5290	144	6	)	)	PUNCT
ajfa-5290	145	1	pi	pi	NOUN
ajfa-5290	145	2	=	=	NOUN
ajfa-5290	145	3	probability	probability	NOUN
ajfa-5290	145	4	that	that	SCONJ
ajfa-5290	145	5	of	of	ADP
ajfa-5290	145	6	a	a	DET
ajfa-5290	145	7	borrower	borrower	NOUN
ajfa-5290	145	8	to	to	PART
ajfa-5290	145	9	realize	realize	VERB
ajfa-5290	145	10	positive	positive	ADJ
ajfa-5290	145	11	impacts	impact	NOUN
ajfa-5290	145	12	while	while	SCONJ
ajfa-5290	145	13	(	(	PUNCT
ajfa-5290	145	14	1	1	NUM
ajfa-5290	145	15	-	-	PUNCT
ajfa-5290	145	16	pi	pi	NOUN
ajfa-5290	145	17	)	)	PUNCT
ajfa-5290	146	1	=	=	NOUN
ajfa-5290	146	2	probability	probability	NOUN
ajfa-5290	146	3	of	of	ADP
ajfa-5290	146	4	a	a	DET
ajfa-5290	146	5	borrower	borrower	NOUN
ajfa-5290	146	6	to	to	PART
ajfa-5290	146	7	realize	realize	VERB
ajfa-5290	146	8	the	the	DET
ajfa-5290	146	9	negative	negative	ADJ
ajfa-5290	146	10	impacts	impact	NOUN
ajfa-5290	146	11	from	from	ADP
ajfa-5290	146	12	using	use	VERB
ajfa-5290	146	13	the	the	DET
ajfa-5290	146	14	credit	credit	NOUN
ajfa-5290	146	15	from	from	ADP
ajfa-5290	146	16	the	the	DET
ajfa-5290	146	17	rural	rural	ADJ
ajfa-5290	146	18	saccos	sacco	NOUN
ajfa-5290	146	19	.	.	PUNCT
ajfa-5290	147	1	the	the	DET
ajfa-5290	147	2	independent	independent	ADJ
ajfa-5290	147	3	variables	variable	NOUN
ajfa-5290	147	4	specified	specify	VERB
ajfa-5290	147	5	in	in	ADP
ajfa-5290	147	6	the	the	DET
ajfa-5290	147	7	model	model	NOUN
ajfa-5290	147	8	were	be	AUX
ajfa-5290	147	9	:	:	PUNCT
ajfa-5290	147	10	improvement	improvement	NOUN
ajfa-5290	147	11	in	in	ADP
ajfa-5290	147	12	health	health	NOUN
ajfa-5290	147	13	and	and	CCONJ
ajfa-5290	147	14	education	education	NOUN
ajfa-5290	147	15	,	,	PUNCT
ajfa-5290	147	16	buying	buying	NOUN
ajfa-5290	147	17	of	of	ADP
ajfa-5290	147	18	assets	asset	NOUN
ajfa-5290	147	19	,	,	PUNCT
ajfa-5290	147	20	improvement	improvement	NOUN
ajfa-5290	147	21	of	of	ADP
ajfa-5290	147	22	income	income	NOUN
ajfa-5290	147	23	,	,	PUNCT
ajfa-5290	147	24	improvement	improvement	NOUN
ajfa-5290	147	25	of	of	ADP
ajfa-5290	147	26	crop	crop	NOUN
ajfa-5290	147	27	yields	yield	NOUN
ajfa-5290	147	28	,	,	PUNCT
ajfa-5290	147	29	increment	increment	NOUN
ajfa-5290	147	30	of	of	ADP
ajfa-5290	147	31	business	business	NOUN
ajfa-5290	147	32	’	'	PUNCT
ajfa-5290	147	33	capital	capital	NOUN
ajfa-5290	147	34	and	and	CCONJ
ajfa-5290	147	35	improvement	improvement	NOUN
ajfa-5290	147	36	of	of	ADP
ajfa-5290	147	37	housing	housing	NOUN
ajfa-5290	147	38	structure	structure	NOUN
ajfa-5290	147	39	after	after	ADP
ajfa-5290	147	40	receiving	receive	VERB
ajfa-5290	147	41	loan	loan	NOUN
ajfa-5290	147	42	from	from	ADP
ajfa-5290	147	43	the	the	DET
ajfa-5290	147	44	rural	rural	ADJ
ajfa-5290	147	45	saccos	sacco	NOUN
ajfa-5290	147	46	.	.	PUNCT
ajfa-5290	148	1	similarly	similarly	ADV
ajfa-5290	148	2	,	,	PUNCT
ajfa-5290	148	3	girabi	girabi	NOUN
ajfa-5290	148	4	and	and	CCONJ
ajfa-5290	148	5	mwakaje	mwakaje	PROPN
ajfa-5290	148	6	(	(	PUNCT
ajfa-5290	148	7	2013	2013	NUM
ajfa-5290	148	8	)	)	PUNCT
ajfa-5290	148	9	assessed	assess	VERB
ajfa-5290	148	10	the	the	DET
ajfa-5290	148	11	impact	impact	NOUN
ajfa-5290	148	12	of	of	ADP
ajfa-5290	148	13	rural	rural	ADJ
ajfa-5290	148	14	saccos	sacco	NOUN
ajfa-5290	148	15	on	on	ADP
ajfa-5290	148	16	smallholder	smallholder	NOUN
ajfa-5290	148	17	farm	farm	NOUN
ajfa-5290	148	18	productivity	productivity	NOUN
ajfa-5290	148	19	in	in	ADP
ajfa-5290	148	20	iramba	iramba	ADJ
ajfa-5290	148	21	district	district	NOUN
ajfa-5290	148	22	,	,	PUNCT
ajfa-5290	148	23	singida	singida	PROPN
ajfa-5290	148	24	region	region	PROPN
ajfa-5290	148	25	tanzania	tanzania	PROPN
ajfa-5290	148	26	.	.	PUNCT
ajfa-5290	149	1	the	the	DET
ajfa-5290	149	2	regression	regression	NOUN
ajfa-5290	149	3	model	model	NOUN
ajfa-5290	149	4	was	be	AUX
ajfa-5290	149	5	specified	specify	VERB
ajfa-5290	149	6	as	as	SCONJ
ajfa-5290	149	7	follows	follow	VERB
ajfa-5290	149	8	:	:	PUNCT
ajfa-5290	149	9	uxbxbxbxbxbxbaq	uxbxbxbxbxbxbaq	VERB
ajfa-5290	149	10	+	+	PROPN
ajfa-5290	150	1	+	+	ADJ
ajfa-5290	150	2	+	+	ADJ
ajfa-5290	150	3	+	+	ADJ
ajfa-5290	150	4	+	+	ADJ
ajfa-5290	150	5	+	+	ADJ
ajfa-5290	150	6	+	+	NOUN
ajfa-5290	150	7	=	=	SYM
ajfa-5290	150	8	665544232211	665544232211	NUM
ajfa-5290	150	9	.where	.where	ADP
ajfa-5290	150	10	:	:	PUNCT
ajfa-5290	151	1	q	q	X
ajfa-5290	151	2	=	=	PUNCT
ajfa-5290	151	3	farm	farm	NOUN
ajfa-5290	151	4	’s	’s	PART
ajfa-5290	151	5	output	output	NOUN
ajfa-5290	151	6	(	(	PUNCT
ajfa-5290	151	7	bags	bag	NOUN
ajfa-5290	151	8	)	)	PUNCT
ajfa-5290	151	9	a	a	DET
ajfa-5290	151	10	=	=	NOUN
ajfa-5290	151	11	constant	constant	ADJ
ajfa-5290	151	12	bs	bs	NOUN
ajfa-5290	151	13	=	=	NOUN
ajfa-5290	151	14	estimated	estimate	VERB
ajfa-5290	151	15	coefficients	coefficient	NOUN
ajfa-5290	151	16	,	,	PUNCT
ajfa-5290	151	17	x1	x1	PROPN
ajfa-5290	151	18	=	=	PUNCT
ajfa-5290	151	19	inputs	input	NOUN
ajfa-5290	151	20	(	(	PUNCT
ajfa-5290	151	21	fertilizer	fertilizer	NOUN
ajfa-5290	151	22	,	,	PUNCT
ajfa-5290	151	23	seeds	seed	NOUN
ajfa-5290	151	24	,	,	PUNCT
ajfa-5290	151	25	pesticides	pesticide	NOUN
ajfa-5290	151	26	)	)	PUNCT
ajfa-5290	151	27	x2	x2	NOUN
ajfa-5290	151	28	=	=	PUNCT
ajfa-5290	151	29	technology	technology	NOUN
ajfa-5290	151	30	(	(	PUNCT
ajfa-5290	151	31	tractor	tractor	NOUN
ajfa-5290	151	32	,	,	PUNCT
ajfa-5290	151	33	ox	ox	NOUN
ajfa-5290	151	34	-	-	NOUN
ajfa-5290	151	35	plough	plough	NOUN
ajfa-5290	151	36	or	or	CCONJ
ajfa-5290	151	37	hand	hand	NOUN
ajfa-5290	151	38	hoe	hoe	NOUN
ajfa-5290	151	39	)	)	PUNCT
ajfa-5290	151	40	;	;	PUNCT
ajfa-5290	151	41	x3	x3	PROPN
ajfa-5290	151	42	=	=	PUNCT
ajfa-5290	151	43	hired	hire	VERB
ajfa-5290	151	44	labour	labour	NOUN
ajfa-5290	151	45	x4	x4	PROPN
ajfa-5290	151	46	=	=	PROPN
ajfa-5290	151	47	money	money	NOUN
ajfa-5290	151	48	(	(	PUNCT
ajfa-5290	151	49	in	in	ADP
ajfa-5290	151	50	tanzania	tanzania	PROPN
ajfa-5290	151	51	shillings	shilling	NOUN
ajfa-5290	151	52	-	-	PUNCT
ajfa-5290	151	53	tzs	tzs	NUM
ajfa-5290	151	54	)	)	PUNCT
ajfa-5290	151	55	,	,	PUNCT
ajfa-5290	151	56	x5	x5	NOUN
ajfa-5290	151	57	=	=	PUNCT
ajfa-5290	151	58	land	land	NOUN
ajfa-5290	151	59	u	u	NOUN
ajfa-5290	151	60	=	=	NOUN
ajfa-5290	151	61	error	error	NOUN
ajfa-5290	151	62	term	term	NOUN
ajfa-5290	151	63	.	.	PUNCT
ajfa-5290	152	1	magali	magali	PROPN
ajfa-5290	152	2	(	(	PUNCT
ajfa-5290	152	3	2013e	2013e	NUM
ajfa-5290	152	4	)	)	PUNCT
ajfa-5290	152	5	examined	examine	VERB
ajfa-5290	152	6	whether	whether	SCONJ
ajfa-5290	152	7	the	the	DET
ajfa-5290	152	8	rural	rural	ADJ
ajfa-5290	152	9	saccos	saccos	PROPN
ajfa-5290	152	10	in	in	ADP
ajfa-5290	152	11	tanzania	tanzania	PROPN
ajfa-5290	152	12	are	be	AUX
ajfa-5290	152	13	currently	currently	ADV
ajfa-5290	152	14	sustainable	sustainable	ADJ
ajfa-5290	152	15	by	by	ADP
ajfa-5290	152	16	using	use	VERB
ajfa-5290	152	17	the	the	DET
ajfa-5290	152	18	multivariate	multivariate	NOUN
ajfa-5290	152	19	regression	regression	NOUN
ajfa-5290	152	20	model	model	NOUN
ajfa-5290	152	21	.	.	PUNCT
ajfa-5290	153	1	the	the	DET
ajfa-5290	153	2	study	study	NOUN
ajfa-5290	153	3	measured	measure	VERB
ajfa-5290	153	4	the	the	DET
ajfa-5290	153	5	outreach	outreach	NOUN
ajfa-5290	153	6	by	by	ADP
ajfa-5290	153	7	using	use	VERB
ajfa-5290	153	8	the	the	DET
ajfa-5290	153	9	log	log	NOUN
ajfa-5290	153	10	average	average	ADJ
ajfa-5290	153	11	loan	loan	NOUN
ajfa-5290	153	12	size	size	NOUN
ajfa-5290	153	13	and	and	CCONJ
ajfa-5290	153	14	the	the	DET
ajfa-5290	153	15	model	model	NOUN
ajfa-5290	153	16	was	be	AUX
ajfa-5290	153	17	specified	specify	VERB
ajfa-5290	153	18	as	as	SCONJ
ajfa-5290	153	19	follows	follow	VERB
ajfa-5290	153	20	:	:	PUNCT
ajfa-5290	153	21	μβββββ	μβββββ	NUM
ajfa-5290	153	22	+	+	PROPN
ajfa-5290	153	23	+	+	ADJ
ajfa-5290	153	24	+	+	ADJ
ajfa-5290	153	25	+	+	ADJ
ajfa-5290	153	26	+	+	ADJ
ajfa-5290	153	27	=	=	SYM
ajfa-5290	153	28	443322110	443322110	NUM
ajfa-5290	153	29	xxxxy	xxxxy	NOUN
ajfa-5290	153	30	.	.	PUNCT
ajfa-5290	154	1	the	the	DET
ajfa-5290	154	2	independent	independent	ADJ
ajfa-5290	154	3	variables	variable	NOUN
ajfa-5290	154	4	were	be	AUX
ajfa-5290	154	5	savings	saving	NOUN
ajfa-5290	154	6	and	and	CCONJ
ajfa-5290	154	7	deposits	deposit	NOUN
ajfa-5290	154	8	to	to	ADP
ajfa-5290	154	9	total	total	ADJ
ajfa-5290	154	10	assets	asset	NOUN
ajfa-5290	154	11	,	,	PUNCT
ajfa-5290	154	12	age	age	NOUN
ajfa-5290	154	13	of	of	ADP
ajfa-5290	154	14	saccos	saccos	PROPN
ajfa-5290	154	15	,	,	PUNCT
ajfa-5290	154	16	log	log	VERB
ajfa-5290	154	17	of	of	ADP
ajfa-5290	154	18	cost	cost	NOUN
ajfa-5290	154	19	per	per	ADP
ajfa-5290	154	20	borrower	borrower	NOUN
ajfa-5290	154	21	and	and	CCONJ
ajfa-5290	154	22	oss	oss	NOUN
ajfa-5290	154	23	.	.	PUNCT
ajfa-5290	155	1	moreover	moreover	ADV
ajfa-5290	155	2	,	,	PUNCT
ajfa-5290	155	3	oss	oss	PROPN
ajfa-5290	155	4	measured	measure	VERB
ajfa-5290	155	5	asian	asian	ADJ
ajfa-5290	155	6	journal	journal	NOUN
ajfa-5290	155	7	of	of	ADP
ajfa-5290	155	8	finance	finance	PROPN
ajfa-5290	155	9	&	&	CCONJ
ajfa-5290	155	10	accounting	accounting	PROPN
ajfa-5290	155	11	issn	issn	PROPN
ajfa-5290	155	12	1946	1946	NUM
ajfa-5290	155	13	-	-	PUNCT
ajfa-5290	155	14	052x	052x	PROPN
ajfa-5290	155	15	2014	2014	NUM
ajfa-5290	155	16	,	,	PUNCT
ajfa-5290	155	17	vol	vol	NOUN
ajfa-5290	155	18	.	.	PROPN
ajfa-5290	155	19	6	6	NUM
ajfa-5290	155	20	,	,	PUNCT
ajfa-5290	155	21	no	no	INTJ
ajfa-5290	155	22	.	.	NOUN
ajfa-5290	155	23	1	1	NUM
ajfa-5290	155	24	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-5290	155	25	206	206	NUM
ajfa-5290	155	26	the	the	DET
ajfa-5290	155	27	sustainability	sustainability	NOUN
ajfa-5290	155	28	of	of	ADP
ajfa-5290	155	29	the	the	DET
ajfa-5290	155	30	rural	rural	ADJ
ajfa-5290	155	31	saccos	sacco	NOUN
ajfa-5290	155	32	and	and	CCONJ
ajfa-5290	155	33	the	the	DET
ajfa-5290	155	34	model	model	NOUN
ajfa-5290	155	35	was	be	AUX
ajfa-5290	155	36	written	write	VERB
ajfa-5290	155	37	as	as	ADP
ajfa-5290	155	38	:	:	PUNCT
ajfa-5290	155	39	μββββββ	μββββββ	ADJ
ajfa-5290	155	40	+	+	PROPN
ajfa-5290	155	41	+	+	ADJ
ajfa-5290	155	42	+	+	ADJ
ajfa-5290	155	43	+	+	ADJ
ajfa-5290	155	44	+	+	ADJ
ajfa-5290	155	45	+	+	ADJ
ajfa-5290	155	46	=	=	SYM
ajfa-5290	155	47	55443322110	55443322110	NUM
ajfa-5290	155	48	xxxxxy	xxxxxy	NOUN
ajfa-5290	155	49	.	.	PUNCT
ajfa-5290	156	1	in	in	ADP
ajfa-5290	156	2	this	this	DET
ajfa-5290	156	3	model	model	NOUN
ajfa-5290	156	4	npl	npl	PROPN
ajfa-5290	156	5	to	to	ADP
ajfa-5290	156	6	equity	equity	NOUN
ajfa-5290	156	7	,	,	PUNCT
ajfa-5290	156	8	log	log	NOUN
ajfa-5290	156	9	of	of	ADP
ajfa-5290	156	10	cost	cost	NOUN
ajfa-5290	156	11	per	per	ADP
ajfa-5290	156	12	borrower	borrower	NOUN
ajfa-5290	156	13	,	,	PUNCT
ajfa-5290	156	14	age	age	NOUN
ajfa-5290	156	15	of	of	ADP
ajfa-5290	156	16	saccos	sacco	NOUN
ajfa-5290	156	17	,	,	PUNCT
ajfa-5290	156	18	grants	grant	NOUN
ajfa-5290	156	19	to	to	ADP
ajfa-5290	156	20	total	total	ADJ
ajfa-5290	156	21	loans	loan	NOUN
ajfa-5290	156	22	and	and	CCONJ
ajfa-5290	156	23	log	log	NOUN
ajfa-5290	156	24	of	of	ADP
ajfa-5290	156	25	average	average	ADJ
ajfa-5290	156	26	loan	loan	NOUN
ajfa-5290	156	27	size	size	NOUN
ajfa-5290	156	28	were	be	AUX
ajfa-5290	156	29	regarded	regard	VERB
ajfa-5290	156	30	as	as	ADP
ajfa-5290	156	31	independent	independent	ADJ
ajfa-5290	156	32	variables	variable	NOUN
ajfa-5290	156	33	.	.	PUNCT
ajfa-5290	157	1	ndiege	ndiege	PROPN
ajfa-5290	157	2	et	et	PROPN
ajfa-5290	157	3	al	al	PROPN
ajfa-5290	157	4	(	(	PUNCT
ajfa-5290	157	5	2013	2013	NUM
ajfa-5290	157	6	)	)	PUNCT
ajfa-5290	157	7	examined	examine	VERB
ajfa-5290	157	8	relationship	relationship	NOUN
ajfa-5290	157	9	between	between	ADP
ajfa-5290	157	10	sources	source	NOUN
ajfa-5290	157	11	of	of	ADP
ajfa-5290	157	12	funds	fund	NOUN
ajfa-5290	157	13	and	and	CCONJ
ajfa-5290	157	14	outreach	outreach	NOUN
ajfa-5290	157	15	for	for	ADP
ajfa-5290	157	16	saccos	sacco	NOUN
ajfa-5290	157	17	in	in	ADP
ajfa-5290	157	18	tanzania	tanzania	PROPN
ajfa-5290	157	19	by	by	ADP
ajfa-5290	157	20	using	use	VERB
ajfa-5290	157	21	two	two	NUM
ajfa-5290	157	22	similar	similar	ADJ
ajfa-5290	157	23	regression	regression	NOUN
ajfa-5290	157	24	models	model	NOUN
ajfa-5290	157	25	.	.	PUNCT
ajfa-5290	158	1	the	the	DET
ajfa-5290	158	2	number	number	NOUN
ajfa-5290	158	3	of	of	ADP
ajfa-5290	158	4	members	member	NOUN
ajfa-5290	158	5	(	(	PUNCT
ajfa-5290	158	6	memb	memb	NOUN
ajfa-5290	158	7	)	)	PUNCT
ajfa-5290	158	8	and	and	CCONJ
ajfa-5290	158	9	average	average	ADJ
ajfa-5290	158	10	credits	credit	NOUN
ajfa-5290	158	11	(	(	PUNCT
ajfa-5290	158	12	avc	avc	PROPN
ajfa-5290	158	13	)	)	PUNCT
ajfa-5290	158	14	were	be	AUX
ajfa-5290	158	15	used	use	VERB
ajfa-5290	158	16	as	as	ADP
ajfa-5290	158	17	dependent	dependent	ADJ
ajfa-5290	158	18	variables	variable	NOUN
ajfa-5290	158	19	for	for	ADP
ajfa-5290	158	20	breadth	breadth	NOUN
ajfa-5290	158	21	and	and	CCONJ
ajfa-5290	158	22	depth	depth	NOUN
ajfa-5290	158	23	of	of	ADP
ajfa-5290	158	24	outreach	outreach	NOUN
ajfa-5290	158	25	in	in	ADP
ajfa-5290	158	26	the	the	DET
ajfa-5290	158	27	first	first	ADJ
ajfa-5290	158	28	and	and	CCONJ
ajfa-5290	158	29	second	second	ADJ
ajfa-5290	158	30	model	model	NOUN
ajfa-5290	158	31	while	while	SCONJ
ajfa-5290	158	32	credits	credit	NOUN
ajfa-5290	158	33	per	per	ADP
ajfa-5290	158	34	assets	asset	NOUN
ajfa-5290	158	35	(	(	PUNCT
ajfa-5290	158	36	crar	crar	NOUN
ajfa-5290	158	37	)	)	PUNCT
ajfa-5290	158	38	,	,	PUNCT
ajfa-5290	158	39	external	external	ADJ
ajfa-5290	158	40	source	source	NOUN
ajfa-5290	158	41	of	of	ADP
ajfa-5290	158	42	funds	fund	NOUN
ajfa-5290	158	43	(	(	PUNCT
ajfa-5290	158	44	eqt	eqt	PROPN
ajfa-5290	158	45	)	)	PUNCT
ajfa-5290	158	46	,	,	PUNCT
ajfa-5290	158	47	internal	internal	ADJ
ajfa-5290	158	48	sources	source	NOUN
ajfa-5290	158	49	of	of	ADP
ajfa-5290	158	50	funds	fund	NOUN
ajfa-5290	158	51	(	(	PUNCT
ajfa-5290	158	52	lib	lib	PROPN
ajfa-5290	158	53	)	)	PUNCT
ajfa-5290	158	54	and	and	CCONJ
ajfa-5290	158	55	external	external	ADJ
ajfa-5290	158	56	-	-	PUNCT
ajfa-5290	158	57	internal	internal	ADJ
ajfa-5290	158	58	sources	source	NOUN
ajfa-5290	158	59	ratio	ratio	NOUN
ajfa-5290	158	60	(	(	PUNCT
ajfa-5290	158	61	ler	ler	PROPN
ajfa-5290	158	62	)	)	PUNCT
ajfa-5290	158	63	,	,	PUNCT
ajfa-5290	158	64	age	age	NOUN
ajfa-5290	158	65	of	of	ADP
ajfa-5290	158	66	saccos	saccos	PROPN
ajfa-5290	158	67	(	(	PUNCT
ajfa-5290	158	68	year	year	NOUN
ajfa-5290	158	69	)	)	PUNCT
ajfa-5290	158	70	and	and	CCONJ
ajfa-5290	158	71	number	number	NOUN
ajfa-5290	158	72	of	of	ADP
ajfa-5290	158	73	saccos	saccos	PROPN
ajfa-5290	158	74	(	(	PUNCT
ajfa-5290	158	75	sacc	sacc	PROPN
ajfa-5290	158	76	)	)	PUNCT
ajfa-5290	158	77	were	be	AUX
ajfa-5290	158	78	used	use	VERB
ajfa-5290	158	79	as	as	ADP
ajfa-5290	158	80	independent	independent	ADJ
ajfa-5290	158	81	variables	variable	NOUN
ajfa-5290	158	82	.	.	PUNCT
ajfa-5290	159	1	the	the	DET
ajfa-5290	159	2	two	two	NUM
ajfa-5290	159	3	models	model	NOUN
ajfa-5290	159	4	were	be	AUX
ajfa-5290	159	5	specified	specify	VERB
ajfa-5290	159	6	as	as	SCONJ
ajfa-5290	159	7	follows	follow	VERB
ajfa-5290	159	8	:	:	PUNCT
ajfa-5290	159	9	)	)	PUNCT
ajfa-5290	159	10	1	1	X
ajfa-5290	159	11	......	......	SYM
ajfa-5290	159	12	(333221	(333221	X
ajfa-5290	159	13	itititititiit	itititititiit	NOUN
ajfa-5290	159	14	lercrarlblsaccoyearmemb	lercrarlblsaccoyearmemb	NOUN
ajfa-5290	159	15	μββββββ	μββββββ	VERB
ajfa-5290	160	1	+	+	PROPN
ajfa-5290	160	2	+	+	ADJ
ajfa-5290	160	3	+	+	ADJ
ajfa-5290	160	4	+	+	ADJ
ajfa-5290	160	5	+	+	ADJ
ajfa-5290	160	6	+	+	NOUN
ajfa-5290	160	7	=	=	ADJ
ajfa-5290	160	8	)	)	PUNCT
ajfa-5290	160	9	2	2	NUM
ajfa-5290	160	10	........	........	PUNCT
ajfa-5290	160	11	(333221	(333221	X
ajfa-5290	160	12	itititititiit	itititititiit	PROPN
ajfa-5290	160	13	lercrarlblsaccoyearavc	lercrarlblsaccoyearavc	NOUN
ajfa-5290	160	14	μββββββ	μββββββ	VERB
ajfa-5290	161	1	+	+	PROPN
ajfa-5290	161	2	+	+	ADJ
ajfa-5290	161	3	+	+	ADJ
ajfa-5290	161	4	+	+	ADJ
ajfa-5290	161	5	+	+	ADJ
ajfa-5290	161	6	+	+	ADJ
ajfa-5290	161	7	=	=	ADJ
ajfa-5290	161	8	temu	temu	NOUN
ajfa-5290	161	9	and	and	CCONJ
ajfa-5290	161	10	ishengoma	ishengoma	NOUN
ajfa-5290	161	11	(	(	PUNCT
ajfa-5290	161	12	2010	2010	NUM
ajfa-5290	161	13	)	)	PUNCT
ajfa-5290	161	14	used	use	VERB
ajfa-5290	161	15	the	the	DET
ajfa-5290	161	16	multivariate	multivariate	NOUN
ajfa-5290	161	17	regression	regression	NOUN
ajfa-5290	161	18	model	model	NOUN
ajfa-5290	161	19	to	to	PART
ajfa-5290	161	20	examine	examine	VERB
ajfa-5290	161	21	effects	effect	NOUN
ajfa-5290	161	22	of	of	ADP
ajfa-5290	161	23	financial	financial	ADJ
ajfa-5290	161	24	linkages	linkage	NOUN
ajfa-5290	161	25	on	on	ADP
ajfa-5290	161	26	performance	performance	NOUN
ajfa-5290	161	27	and	and	CCONJ
ajfa-5290	161	28	sustainability	sustainability	NOUN
ajfa-5290	161	29	of	of	ADP
ajfa-5290	161	30	the	the	DET
ajfa-5290	161	31	rural	rural	ADJ
ajfa-5290	161	32	saccos	sacco	NOUN
ajfa-5290	161	33	in	in	ADP
ajfa-5290	161	34	tanzania	tanzania	PROPN
ajfa-5290	161	35	by	by	ADP
ajfa-5290	161	36	using	use	VERB
ajfa-5290	161	37	the	the	DET
ajfa-5290	161	38	regression	regression	NOUN
ajfa-5290	161	39	model	model	NOUN
ajfa-5290	161	40	.	.	PUNCT
ajfa-5290	162	1	in	in	ADP
ajfa-5290	162	2	the	the	DET
ajfa-5290	162	3	model	model	NOUN
ajfa-5290	162	4	the	the	DET
ajfa-5290	162	5	financial	financial	ADJ
ajfa-5290	162	6	linkages	linkage	NOUN
ajfa-5290	162	7	was	be	AUX
ajfa-5290	162	8	measured	measure	VERB
ajfa-5290	162	9	by	by	ADP
ajfa-5290	162	10	a	a	DET
ajfa-5290	162	11	dummy	dummy	ADJ
ajfa-5290	162	12	variable	variable	NOUN
ajfa-5290	162	13	of	of	ADP
ajfa-5290	162	14	1	1	NUM
ajfa-5290	162	15	if	if	SCONJ
ajfa-5290	162	16	on	on	ADP
ajfa-5290	162	17	a	a	DET
ajfa-5290	162	18	study	study	NOUN
ajfa-5290	162	19	year	year	NOUN
ajfa-5290	162	20	,	,	PUNCT
ajfa-5290	162	21	a	a	DET
ajfa-5290	162	22	mfi	mfi	PROPN
ajfa-5290	162	23	received	receive	VERB
ajfa-5290	162	24	a	a	DET
ajfa-5290	162	25	loan	loan	NOUN
ajfa-5290	162	26	from	from	ADP
ajfa-5290	162	27	commercial	commercial	ADJ
ajfa-5290	162	28	banks	bank	NOUN
ajfa-5290	162	29	or	or	CCONJ
ajfa-5290	162	30	large	large	ADJ
ajfa-5290	162	31	mfi	mfi	PROPN
ajfa-5290	162	32	at	at	ADP
ajfa-5290	162	33	least	least	ADJ
ajfa-5290	162	34	tzs	tzs	NUM
ajfa-5290	162	35	50000	50000	NUM
ajfa-5290	162	36	per	per	ADP
ajfa-5290	162	37	its	its	PRON
ajfa-5290	162	38	individual	individual	ADJ
ajfa-5290	162	39	member	member	NOUN
ajfa-5290	162	40	or	or	CCONJ
ajfa-5290	162	41	0	0	NUM
ajfa-5290	162	42	otherwise	otherwise	ADV
ajfa-5290	162	43	.	.	PUNCT
ajfa-5290	163	1	the	the	DET
ajfa-5290	163	2	independent	independent	ADJ
ajfa-5290	163	3	variables	variable	NOUN
ajfa-5290	163	4	were	be	AUX
ajfa-5290	163	5	membership	membership	NOUN
ajfa-5290	163	6	growth	growth	NOUN
ajfa-5290	163	7	,	,	PUNCT
ajfa-5290	163	8	membership	membership	NOUN
ajfa-5290	163	9	size	size	NOUN
ajfa-5290	163	10	,	,	PUNCT
ajfa-5290	163	11	size	size	NOUN
ajfa-5290	163	12	of	of	ADP
ajfa-5290	163	13	loan	loan	NOUN
ajfa-5290	163	14	and	and	CCONJ
ajfa-5290	163	15	interest	interest	NOUN
ajfa-5290	163	16	income	income	NOUN
ajfa-5290	163	17	.	.	PUNCT
ajfa-5290	164	1	the	the	DET
ajfa-5290	164	2	model	model	NOUN
ajfa-5290	164	3	was	be	AUX
ajfa-5290	164	4	written	write	VERB
ajfa-5290	164	5	as	as	SCONJ
ajfa-5290	164	6	follows	follow	VERB
ajfa-5290	164	7	:	:	PUNCT
ajfa-5290	164	8	p	p	X
ajfa-5290	164	9	=	=	PUNCT
ajfa-5290	164	10	a	a	PROPN
ajfa-5290	165	1	+	+	X
ajfa-5290	165	2	bl	bl	NOUN
ajfa-5290	165	3	+	+	SYM
ajfa-5290	166	1	[	[	X
ajfa-5290	166	2	sigma]bc	sigma]bc	PROPN
ajfa-5290	166	3	+	+	CCONJ
ajfa-5290	166	4	e	e	NOUN
ajfa-5290	166	5	pi	pi	NOUN
ajfa-5290	166	6	=	=	PUNCT
ajfa-5290	166	7	a	a	PRON
ajfa-5290	166	8	+	+	X
ajfa-5290	167	1	[	[	X
ajfa-5290	167	2	sigma][[beta].sub.i][c.sub.i	sigma][[beta].sub.i][c.sub.i	PROPN
ajfa-5290	167	3	]	]	X
ajfa-5290	167	4	+	+	CCONJ
ajfa-5290	168	1	[	[	X
ajfa-5290	168	2	sigma][[beta].sub.2][l.sub.i	sigma][[beta].sub.2][l.sub.i	X
ajfa-5290	169	1	]	]	X
ajfa-5290	169	2	+	+	CCONJ
ajfa-5290	169	3	[	[	X
ajfa-5290	169	4	.sub.i	.sub.i	X
ajfa-5290	169	5	]	]	X
ajfa-5290	169	6	(	(	PUNCT
ajfa-5290	169	7	1	1	NUM
ajfa-5290	169	8	)	)	PUNCT
ajfa-5290	169	9	,	,	PUNCT
ajfa-5290	169	10	where	where	SCONJ
ajfa-5290	169	11	p	p	X
ajfa-5290	169	12	,	,	PUNCT
ajfa-5290	169	13	c	c	X
ajfa-5290	169	14	,	,	PUNCT
ajfa-5290	169	15	l	l	NOUN
ajfa-5290	169	16	,	,	PUNCT
ajfa-5290	169	17	and	and	CCONJ
ajfa-5290	169	18	e	e	PROPN
ajfa-5290	169	19	represented	represent	VERB
ajfa-5290	169	20	the	the	DET
ajfa-5290	169	21	saccos	sacco	NOUN
ajfa-5290	169	22	'	'	PART
ajfa-5290	169	23	performance	performance	NOUN
ajfa-5290	169	24	,	,	PUNCT
ajfa-5290	169	25	controllable	controllable	ADJ
ajfa-5290	169	26	variables	variable	NOUN
ajfa-5290	169	27	,	,	PUNCT
ajfa-5290	169	28	financial	financial	ADJ
ajfa-5290	169	29	linkages	linkage	NOUN
ajfa-5290	169	30	and	and	CCONJ
ajfa-5290	169	31	error	error	NOUN
ajfa-5290	169	32	term	term	NOUN
ajfa-5290	169	33	correspondingly	correspondingly	ADV
ajfa-5290	169	34	while	while	SCONJ
ajfa-5290	169	35	[	[	X
ajfa-5290	169	36	[	[	X
ajfa-5290	169	37	beta].sub.1	beta].sub.1	NOUN
ajfa-5290	169	38	]	]	PUNCT
ajfa-5290	169	39	,	,	PUNCT
ajfa-5290	169	40	and	and	CCONJ
ajfa-5290	169	41	[	[	X
ajfa-5290	169	42	[	[	X
ajfa-5290	169	43	beta].sub.2	beta].sub.2	PROPN
ajfa-5290	169	44	]	]	PUNCT
ajfa-5290	169	45	presented	present	VERB
ajfa-5290	169	46	the	the	DET
ajfa-5290	169	47	controllable	controllable	ADJ
ajfa-5290	169	48	variables	variable	NOUN
ajfa-5290	169	49	and	and	CCONJ
ajfa-5290	169	50	linkages	linkage	NOUN
ajfa-5290	169	51	parameters	parameter	NOUN
ajfa-5290	169	52	.	.	PUNCT
ajfa-5290	170	1	similarly	similarly	ADV
ajfa-5290	170	2	,	,	PUNCT
ajfa-5290	170	3	nyamsogoro	nyamsogoro	PROPN
ajfa-5290	170	4	(	(	PUNCT
ajfa-5290	170	5	2010	2010	NUM
ajfa-5290	170	6	)	)	PUNCT
ajfa-5290	170	7	used	use	VERB
ajfa-5290	170	8	dependent	dependent	ADJ
ajfa-5290	170	9	variable	variable	NOUN
ajfa-5290	170	10	as	as	ADP
ajfa-5290	170	11	financial	financial	ADJ
ajfa-5290	170	12	self	self	NOUN
ajfa-5290	170	13	sufficiency	sufficiency	NOUN
ajfa-5290	170	14	(	(	PUNCT
ajfa-5290	170	15	fss	fss	NOUN
ajfa-5290	170	16	)	)	PUNCT
ajfa-5290	170	17	to	to	PART
ajfa-5290	170	18	assess	assess	VERB
ajfa-5290	170	19	the	the	DET
ajfa-5290	170	20	sustainability	sustainability	NOUN
ajfa-5290	170	21	of	of	ADP
ajfa-5290	170	22	rural	rural	ADJ
ajfa-5290	170	23	mfis	mfis	NOUN
ajfa-5290	170	24	(	(	PUNCT
ajfa-5290	170	25	saccos	saccos	PROPN
ajfa-5290	170	26	,	,	PUNCT
ajfa-5290	170	27	ngos	ngo	NOUN
ajfa-5290	170	28	and	and	CCONJ
ajfa-5290	170	29	sacas	sacas	PROPN
ajfa-5290	170	30	)	)	PUNCT
ajfa-5290	170	31	in	in	ADP
ajfa-5290	170	32	tanzania	tanzania	PROPN
ajfa-5290	170	33	.	.	PUNCT
ajfa-5290	171	1	the	the	DET
ajfa-5290	171	2	independent	independent	ADJ
ajfa-5290	171	3	variables	variable	NOUN
ajfa-5290	171	4	were	be	AUX
ajfa-5290	171	5	:	:	PUNCT
ajfa-5290	171	6	mfis	mfis	VERB
ajfa-5290	171	7	capital	capital	NOUN
ajfa-5290	171	8	structure	structure	NOUN
ajfa-5290	171	9	(	(	PUNCT
ajfa-5290	171	10	equity	equity	NOUN
ajfa-5290	171	11	/	/	SYM
ajfa-5290	171	12	capital	capital	NOUN
ajfa-5290	171	13	)	)	PUNCT
ajfa-5290	171	14	,	,	PUNCT
ajfa-5290	171	15	interest	interest	NOUN
ajfa-5290	171	16	rates	rate	NOUN
ajfa-5290	171	17	,	,	PUNCT
ajfa-5290	171	18	lending	lending	NOUN
ajfa-5290	171	19	type	type	NOUN
ajfa-5290	171	20	(	(	PUNCT
ajfa-5290	171	21	group	group	NOUN
ajfa-5290	171	22	or	or	CCONJ
ajfa-5290	171	23	individual	individual	NOUN
ajfa-5290	171	24	)	)	PUNCT
ajfa-5290	171	25	,	,	PUNCT
ajfa-5290	171	26	cost	cost	NOUN
ajfa-5290	171	27	per	per	ADP
ajfa-5290	171	28	borrower	borrower	NOUN
ajfa-5290	171	29	,	,	PUNCT
ajfa-5290	171	30	product	product	NOUN
ajfa-5290	171	31	type	type	NOUN
ajfa-5290	171	32	,	,	PUNCT
ajfa-5290	171	33	mfi	mfi	PROPN
ajfa-5290	171	34	size	size	NOUN
ajfa-5290	171	35	,	,	PUNCT
ajfa-5290	171	36	age	age	NOUN
ajfa-5290	171	37	,	,	PUNCT
ajfa-5290	171	38	number	number	NOUN
ajfa-5290	171	39	of	of	ADP
ajfa-5290	171	40	borrowers	borrower	NOUN
ajfa-5290	171	41	(	(	PUNCT
ajfa-5290	171	42	as	as	ADP
ajfa-5290	171	43	a	a	DET
ajfa-5290	171	44	proxy	proxy	NOUN
ajfa-5290	171	45	for	for	ADP
ajfa-5290	171	46	outreach	outreach	NOUN
ajfa-5290	171	47	)	)	PUNCT
ajfa-5290	171	48	,	,	PUNCT
ajfa-5290	171	49	female	female	ADJ
ajfa-5290	171	50	clients	client	NOUN
ajfa-5290	171	51	,	,	PUNCT
ajfa-5290	171	52	yield	yield	NOUN
ajfa-5290	171	53	on	on	ADP
ajfa-5290	171	54	gross	gross	ADJ
ajfa-5290	171	55	loan	loan	NOUN
ajfa-5290	171	56	portfolio	portfolio	NOUN
ajfa-5290	171	57	,	,	PUNCT
ajfa-5290	171	58	level	level	NOUN
ajfa-5290	171	59	of	of	ADP
ajfa-5290	171	60	portfolio	portfolio	NOUN
ajfa-5290	171	61	risk	risk	NOUN
ajfa-5290	171	62	,	,	PUNCT
ajfa-5290	171	63	liquidity	liquidity	NOUN
ajfa-5290	171	64	level	level	NOUN
ajfa-5290	171	65	,	,	PUNCT
ajfa-5290	171	66	staff	staff	NOUN
ajfa-5290	171	67	productivity	productivity	NOUN
ajfa-5290	171	68	and	and	CCONJ
ajfa-5290	171	69	operating	operating	NOUN
ajfa-5290	171	70	model	model	NOUN
ajfa-5290	171	71	(	(	PUNCT
ajfa-5290	171	72	regulated	regulate	VERB
ajfa-5290	171	73	vs	vs	ADP
ajfa-5290	171	74	non	non	ADJ
ajfa-5290	171	75	regulated	regulated	ADJ
ajfa-5290	171	76	)	)	PUNCT
ajfa-5290	171	77	.	.	PUNCT
ajfa-5290	172	1	average	average	ADJ
ajfa-5290	172	2	loan	loan	NOUN
ajfa-5290	172	3	size	size	NOUN
ajfa-5290	172	4	was	be	AUX
ajfa-5290	172	5	used	use	VERB
ajfa-5290	172	6	as	as	ADP
ajfa-5290	172	7	a	a	DET
ajfa-5290	172	8	proxy	proxy	NOUN
ajfa-5290	172	9	measure	measure	NOUN
ajfa-5290	172	10	for	for	ADP
ajfa-5290	172	11	outreach	outreach	NOUN
ajfa-5290	172	12	while	while	SCONJ
ajfa-5290	172	13	the	the	DET
ajfa-5290	172	14	size	size	NOUN
ajfa-5290	172	15	of	of	ADP
ajfa-5290	172	16	mfi	mfi	PROPN
ajfa-5290	172	17	was	be	AUX
ajfa-5290	172	18	measured	measure	VERB
ajfa-5290	172	19	by	by	ADP
ajfa-5290	172	20	total	total	ADJ
ajfa-5290	172	21	assets	asset	NOUN
ajfa-5290	172	22	.	.	PUNCT
ajfa-5290	173	1	difficulty	difficulty	NOUN
ajfa-5290	173	2	in	in	ADP
ajfa-5290	173	3	assessing	assess	VERB
ajfa-5290	173	4	data	datum	NOUN
ajfa-5290	173	5	forced	force	VERB
ajfa-5290	173	6	the	the	DET
ajfa-5290	173	7	author	author	NOUN
ajfa-5290	173	8	to	to	PART
ajfa-5290	173	9	measure	measure	VERB
ajfa-5290	173	10	the	the	DET
ajfa-5290	173	11	depth	depth	NOUN
ajfa-5290	173	12	of	of	ADP
ajfa-5290	173	13	outreach	outreach	NOUN
ajfa-5290	173	14	by	by	ADP
ajfa-5290	173	15	assessing	assess	VERB
ajfa-5290	173	16	the	the	DET
ajfa-5290	173	17	relationship	relationship	NOUN
ajfa-5290	173	18	between	between	ADP
ajfa-5290	173	19	number	number	NOUN
ajfa-5290	173	20	of	of	ADP
ajfa-5290	173	21	borrowers	borrower	NOUN
ajfa-5290	173	22	and	and	CCONJ
ajfa-5290	173	23	profitability	profitability	NOUN
ajfa-5290	173	24	instead	instead	ADV
ajfa-5290	173	25	of	of	ADP
ajfa-5290	173	26	using	use	VERB
ajfa-5290	173	27	poor	poor	ADJ
ajfa-5290	173	28	clients	client	NOUN
ajfa-5290	173	29	.	.	PUNCT
ajfa-5290	174	1	i	i	PRON
ajfa-5290	174	2	include	include	VERB
ajfa-5290	174	3	this	this	DET
ajfa-5290	174	4	study	study	NOUN
ajfa-5290	174	5	because	because	SCONJ
ajfa-5290	174	6	82	82	NUM
ajfa-5290	174	7	%	%	NOUN
ajfa-5290	174	8	of	of	ADP
ajfa-5290	174	9	the	the	DET
ajfa-5290	174	10	sample	sample	NOUN
ajfa-5290	174	11	size	size	NOUN
ajfa-5290	174	12	was	be	AUX
ajfa-5290	174	13	saccos	sacco	NOUN
ajfa-5290	174	14	and	and	CCONJ
ajfa-5290	174	15	sacas	sacas	PROPN
ajfa-5290	174	16	while	while	SCONJ
ajfa-5290	174	17	the	the	DET
ajfa-5290	174	18	remaining	remain	VERB
ajfa-5290	174	19	sample	sample	NOUN
ajfa-5290	174	20	items	item	NOUN
ajfa-5290	174	21	were	be	AUX
ajfa-5290	174	22	ngo	ngo	PROPN
ajfa-5290	174	23	mfis	mfis	PROPN
ajfa-5290	174	24	.	.	PUNCT
ajfa-5290	175	1	asian	asian	ADJ
ajfa-5290	175	2	journal	journal	PROPN
ajfa-5290	175	3	of	of	ADP
ajfa-5290	175	4	finance	finance	PROPN
ajfa-5290	175	5	&	&	CCONJ
ajfa-5290	175	6	accounting	accounting	PROPN
ajfa-5290	175	7	issn	issn	PROPN
ajfa-5290	175	8	1946	1946	NUM
ajfa-5290	175	9	-	-	PUNCT
ajfa-5290	175	10	052x	052x	PROPN
ajfa-5290	175	11	2014	2014	NUM
ajfa-5290	175	12	,	,	PUNCT
ajfa-5290	175	13	vol	vol	NOUN
ajfa-5290	175	14	.	.	PROPN
ajfa-5290	176	1	6	6	NUM
ajfa-5290	176	2	,	,	PUNCT
ajfa-5290	176	3	no	no	INTJ
ajfa-5290	176	4	.	.	NOUN
ajfa-5290	176	5	1	1	NUM
ajfa-5290	176	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-5290	176	7	207	207	NUM
ajfa-5290	176	8	the	the	DET
ajfa-5290	176	9	model	model	NOUN
ajfa-5290	176	10	was	be	AUX
ajfa-5290	176	11	specified	specify	VERB
ajfa-5290	176	12	as	as	SCONJ
ajfa-5290	176	13	follows	follow	VERB
ajfa-5290	176	14	:	:	PUNCT
ajfa-5290	176	15	itititit	itititit	NOUN
ajfa-5290	176	16	itititititit	itititititit	NOUN
ajfa-5290	176	17	itititititit	itititititit	NOUN
ajfa-5290	176	18	itititititi	itititititi	PROPN
ajfa-5290	176	19	matigrtmatindtagrarea	matigrtmatindtagrarea	PROPN
ajfa-5290	176	20	educareaborrowersregutedfemalemfisizeavoutloan	educareaborrowersregutedfemalemfisizeavoutloan	PROPN
ajfa-5290	176	21	mfitypemfiageloangrloanindiprodtypetpborr	mfitypemfiageloangrloanindiprodtypetpborr	PROPN
ajfa-5290	176	22	rinstainstalindtpdolstratecapstrucfss	rinstainstalindtpdolstratecapstrucfss	PROPN
ajfa-5290	176	23	εβββ	εβββ	PROPN
ajfa-5290	176	24	βββββ	βββββ	VERB
ajfa-5290	176	25	ββββββ	ββββββ	NOUN
ajfa-5290	176	26	ββββββα	ββββββα	VERB
ajfa-5290	177	1	+	+	PROPN
ajfa-5290	177	2	+	+	ADJ
ajfa-5290	177	3	+	+	ADJ
ajfa-5290	177	4	+	+	ADJ
ajfa-5290	177	5	+	+	ADJ
ajfa-5290	177	6	+	+	ADJ
ajfa-5290	177	7	+	+	ADJ
ajfa-5290	177	8	+	+	ADJ
ajfa-5290	177	9	+	+	ADJ
ajfa-5290	177	10	+	+	ADJ
ajfa-5290	177	11	+	+	ADJ
ajfa-5290	177	12	+	+	ADJ
ajfa-5290	177	13	+	+	ADJ
ajfa-5290	177	14	+	+	ADJ
ajfa-5290	177	15	+	+	ADJ
ajfa-5290	177	16	+	+	ADJ
ajfa-5290	177	17	+	+	ADJ
ajfa-5290	177	18	+	+	ADJ
ajfa-5290	177	19	+	+	ADJ
ajfa-5290	177	20	+	+	ADJ
ajfa-5290	177	21	+	+	ADJ
ajfa-5290	177	22	=	=	SYM
ajfa-5290	177	23	2ln2ln	2ln2ln	NUM
ajfa-5290	177	24	lnlnln	lnlnln	NOUN
ajfa-5290	177	25	minmincosln	minmincosln	NOUN
ajfa-5290	177	26	lglncoslnint	lglncoslnint	NOUN
ajfa-5290	177	27	201918	201918	NUM
ajfa-5290	177	28	1716151413	1716151413	NUM
ajfa-5290	177	29	121110987	121110987	NUM
ajfa-5290	177	30	654321	654321	NUM
ajfa-5290	177	31	magali	magali	X
ajfa-5290	177	32	(	(	PUNCT
ajfa-5290	177	33	2013a	2013a	NUM
ajfa-5290	177	34	)	)	PUNCT
ajfa-5290	177	35	assessed	assess	VERB
ajfa-5290	177	36	the	the	DET
ajfa-5290	177	37	factors	factor	NOUN
ajfa-5290	177	38	affecting	affect	VERB
ajfa-5290	177	39	credit	credit	NOUN
ajfa-5290	177	40	default	default	NOUN
ajfa-5290	177	41	risks	risk	NOUN
ajfa-5290	177	42	for	for	ADP
ajfa-5290	177	43	rural	rural	ADJ
ajfa-5290	177	44	saccos	sacco	NOUN
ajfa-5290	177	45	’	'	PUNCT
ajfa-5290	177	46	borrowers	borrower	NOUN
ajfa-5290	177	47	in	in	ADP
ajfa-5290	177	48	tanzania	tanzania	NOUN
ajfa-5290	177	49	by	by	ADP
ajfa-5290	177	50	using	use	VERB
ajfa-5290	177	51	the	the	DET
ajfa-5290	177	52	multivariate	multivariate	NOUN
ajfa-5290	177	53	regression	regression	NOUN
ajfa-5290	177	54	analysis	analysis	NOUN
ajfa-5290	177	55	where	where	SCONJ
ajfa-5290	177	56	the	the	DET
ajfa-5290	177	57	default	default	NOUN
ajfa-5290	177	58	risk	risk	NOUN
ajfa-5290	177	59	(	(	PUNCT
ajfa-5290	177	60	dependent	dependent	ADJ
ajfa-5290	177	61	variable	variable	NOUN
ajfa-5290	177	62	)	)	PUNCT
ajfa-5290	177	63	was	be	AUX
ajfa-5290	177	64	proxied	proxie	VERB
ajfa-5290	177	65	by	by	ADP
ajfa-5290	177	66	non	non	ADJ
ajfa-5290	177	67	-	-	ADJ
ajfa-5290	177	68	performing	performing	ADJ
ajfa-5290	177	69	loans	loan	NOUN
ajfa-5290	177	70	(	(	PUNCT
ajfa-5290	177	71	npl	npl	NOUN
ajfa-5290	177	72	)	)	PUNCT
ajfa-5290	177	73	.	.	PUNCT
ajfa-5290	178	1	the	the	DET
ajfa-5290	178	2	model	model	NOUN
ajfa-5290	178	3	was	be	AUX
ajfa-5290	178	4	specified	specify	VERB
ajfa-5290	178	5	by	by	ADP
ajfa-5290	178	6	the	the	DET
ajfa-5290	178	7	following	follow	VERB
ajfa-5290	178	8	equation	equation	NOUN
ajfa-5290	178	9	:	:	PUNCT
ajfa-5290	178	10	μ+++++++++++=	μ+++++++++++=	PROPN
ajfa-5290	178	11	10109988776655443322110	10109988776655443322110	NUM
ajfa-5290	178	12	xbxbxbxbxbxbxbxbxbxbby	xbxbxbxbxbxbxbxbxbxbby	NOUN
ajfa-5290	178	13	.	.	PUNCT
ajfa-5290	179	1	the	the	DET
ajfa-5290	179	2	specified	specify	VERB
ajfa-5290	179	3	factors	factor	NOUN
ajfa-5290	179	4	which	which	PRON
ajfa-5290	179	5	determined	determine	VERB
ajfa-5290	179	6	the	the	DET
ajfa-5290	179	7	default	default	NOUN
ajfa-5290	179	8	risk	risk	NOUN
ajfa-5290	179	9	were	be	AUX
ajfa-5290	179	10	:	:	PUNCT
ajfa-5290	179	11	age	age	NOUN
ajfa-5290	179	12	of	of	ADP
ajfa-5290	179	13	the	the	DET
ajfa-5290	179	14	respondent	respondent	NOUN
ajfa-5290	179	15	,	,	PUNCT
ajfa-5290	179	16	education	education	NOUN
ajfa-5290	179	17	of	of	ADP
ajfa-5290	179	18	the	the	DET
ajfa-5290	179	19	respondent	respondent	NOUN
ajfa-5290	179	20	,	,	PUNCT
ajfa-5290	179	21	size	size	NOUN
ajfa-5290	179	22	of	of	ADP
ajfa-5290	179	23	household	household	NOUN
ajfa-5290	179	24	,	,	PUNCT
ajfa-5290	179	25	marital	marital	ADJ
ajfa-5290	179	26	status	status	NOUN
ajfa-5290	179	27	,	,	PUNCT
ajfa-5290	179	28	interest	interest	NOUN
ajfa-5290	179	29	rate	rate	NOUN
ajfa-5290	179	30	,	,	PUNCT
ajfa-5290	179	31	received	receive	VERB
ajfa-5290	179	32	loan	loan	NOUN
ajfa-5290	179	33	amount	amount	NOUN
ajfa-5290	179	34	,	,	PUNCT
ajfa-5290	179	35	loan	loan	NOUN
ajfa-5290	179	36	maturity	maturity	NOUN
ajfa-5290	179	37	,	,	PUNCT
ajfa-5290	179	38	value	value	NOUN
ajfa-5290	179	39	of	of	ADP
ajfa-5290	179	40	collateral	collateral	NOUN
ajfa-5290	179	41	,	,	PUNCT
ajfa-5290	179	42	borrowers	borrower	NOUN
ajfa-5290	179	43	’	'	PUNCT
ajfa-5290	179	44	experiences	experience	NOUN
ajfa-5290	179	45	in	in	ADP
ajfa-5290	179	46	years	year	NOUN
ajfa-5290	179	47	and	and	CCONJ
ajfa-5290	179	48	loan	loan	NOUN
ajfa-5290	179	49	activity	activity	NOUN
ajfa-5290	179	50	.	.	PUNCT
ajfa-5290	180	1	similarly	similarly	ADV
ajfa-5290	180	2	,	,	PUNCT
ajfa-5290	180	3	magali	magali	X
ajfa-5290	180	4	(	(	PUNCT
ajfa-5290	180	5	2013b	2013b	NUM
ajfa-5290	180	6	)	)	PUNCT
ajfa-5290	180	7	examined	examine	VERB
ajfa-5290	180	8	the	the	DET
ajfa-5290	180	9	rural	rural	ADJ
ajfa-5290	180	10	saccos	saccos	PROPN
ajfa-5290	180	11	’	'	PUNCT
ajfa-5290	180	12	variables	variable	NOUN
ajfa-5290	180	13	which	which	PRON
ajfa-5290	180	14	influence	influence	VERB
ajfa-5290	180	15	the	the	DET
ajfa-5290	180	16	loans	loan	NOUN
ajfa-5290	180	17	default	default	NOUN
ajfa-5290	180	18	risks	risk	NOUN
ajfa-5290	180	19	in	in	ADP
ajfa-5290	180	20	tanzania	tanzania	NOUN
ajfa-5290	180	21	by	by	ADP
ajfa-5290	180	22	using	use	VERB
ajfa-5290	180	23	the	the	DET
ajfa-5290	180	24	multivariate	multivariate	NOUN
ajfa-5290	180	25	regression	regression	NOUN
ajfa-5290	180	26	model	model	NOUN
ajfa-5290	180	27	where	where	SCONJ
ajfa-5290	180	28	the	the	DET
ajfa-5290	180	29	loans	loan	NOUN
ajfa-5290	180	30	default	default	NOUN
ajfa-5290	180	31	risk	risk	NOUN
ajfa-5290	180	32	was	be	AUX
ajfa-5290	180	33	measured	measure	VERB
ajfa-5290	180	34	by	by	ADP
ajfa-5290	180	35	npl	npl	PROPN
ajfa-5290	180	36	.	.	PUNCT
ajfa-5290	181	1	the	the	DET
ajfa-5290	181	2	model	model	NOUN
ajfa-5290	181	3	was	be	AUX
ajfa-5290	181	4	specified	specify	VERB
ajfa-5290	181	5	as	as	SCONJ
ajfa-5290	181	6	follows	follow	VERB
ajfa-5290	181	7	μ+++++=	μ+++++=	PROPN
ajfa-5290	181	8	443322110	443322110	NUM
ajfa-5290	181	9	bxbxbxbxby	bxbxbxbxby	NOUN
ajfa-5290	181	10	.	.	PUNCT
ajfa-5290	182	1	the	the	DET
ajfa-5290	182	2	independent	independent	ADJ
ajfa-5290	182	3	variables	variable	NOUN
ajfa-5290	182	4	were	be	AUX
ajfa-5290	182	5	savings	saving	NOUN
ajfa-5290	182	6	and	and	CCONJ
ajfa-5290	182	7	deposits	deposit	NOUN
ajfa-5290	182	8	,	,	PUNCT
ajfa-5290	182	9	total	total	ADJ
ajfa-5290	182	10	assets	asset	NOUN
ajfa-5290	182	11	,	,	PUNCT
ajfa-5290	182	12	year	year	NOUN
ajfa-5290	182	13	of	of	ADP
ajfa-5290	182	14	schooling	schooling	NOUN
ajfa-5290	182	15	of	of	ADP
ajfa-5290	182	16	the	the	DET
ajfa-5290	182	17	manager	manager	NOUN
ajfa-5290	182	18	and	and	CCONJ
ajfa-5290	182	19	the	the	DET
ajfa-5290	182	20	number	number	NOUN
ajfa-5290	182	21	of	of	ADP
ajfa-5290	182	22	borrowers	borrower	NOUN
ajfa-5290	182	23	with	with	ADP
ajfa-5290	182	24	outstanding	outstanding	ADJ
ajfa-5290	182	25	loans	loan	NOUN
ajfa-5290	182	26	.	.	PUNCT
ajfa-5290	183	1	moreover	moreover	ADV
ajfa-5290	183	2	,	,	PUNCT
ajfa-5290	183	3	magali	magali	X
ajfa-5290	183	4	(	(	PUNCT
ajfa-5290	183	5	2013c	2013c	NUM
ajfa-5290	183	6	)	)	PUNCT
ajfa-5290	183	7	assessed	assess	VERB
ajfa-5290	183	8	the	the	DET
ajfa-5290	183	9	impacts	impact	NOUN
ajfa-5290	183	10	of	of	ADP
ajfa-5290	183	11	credits	credit	NOUN
ajfa-5290	183	12	risk	risk	NOUN
ajfa-5290	183	13	management	management	NOUN
ajfa-5290	183	14	on	on	ADP
ajfa-5290	183	15	profitability	profitability	NOUN
ajfa-5290	183	16	of	of	ADP
ajfa-5290	183	17	rural	rural	ADJ
ajfa-5290	183	18	saccos	sacco	NOUN
ajfa-5290	183	19	in	in	ADP
ajfa-5290	183	20	tanzania	tanzania	PROPN
ajfa-5290	183	21	by	by	ADP
ajfa-5290	183	22	using	use	VERB
ajfa-5290	183	23	the	the	DET
ajfa-5290	183	24	univariate	univariate	ADJ
ajfa-5290	183	25	regression	regression	NOUN
ajfa-5290	183	26	model	model	NOUN
ajfa-5290	183	27	where	where	SCONJ
ajfa-5290	183	28	the	the	DET
ajfa-5290	183	29	credits	credit	NOUN
ajfa-5290	183	30	risk	risk	NOUN
ajfa-5290	183	31	management	management	NOUN
ajfa-5290	183	32	was	be	AUX
ajfa-5290	183	33	measured	measure	VERB
ajfa-5290	183	34	by	by	ADP
ajfa-5290	183	35	npl	npl	PROPN
ajfa-5290	183	36	ratio	ratio	NOUN
ajfa-5290	183	37	and	and	CCONJ
ajfa-5290	183	38	profitability	profitability	NOUN
ajfa-5290	183	39	was	be	AUX
ajfa-5290	183	40	measured	measure	VERB
ajfa-5290	183	41	by	by	ADP
ajfa-5290	183	42	returns	return	NOUN
ajfa-5290	183	43	on	on	ADP
ajfa-5290	183	44	asset	asset	NOUN
ajfa-5290	183	45	(	(	PUNCT
ajfa-5290	183	46	roa	roa	PROPN
ajfa-5290	183	47	)	)	PUNCT
ajfa-5290	183	48	and	and	CCONJ
ajfa-5290	183	49	returns	return	NOUN
ajfa-5290	183	50	on	on	ADP
ajfa-5290	183	51	equity	equity	NOUN
ajfa-5290	183	52	(	(	PUNCT
ajfa-5290	183	53	roe	roe	PROPN
ajfa-5290	183	54	)	)	PUNCT
ajfa-5290	183	55	.	.	PUNCT
ajfa-5290	184	1	the	the	DET
ajfa-5290	184	2	univariate	univariate	ADJ
ajfa-5290	184	3	regression	regression	NOUN
ajfa-5290	184	4	model	model	NOUN
ajfa-5290	184	5	was	be	AUX
ajfa-5290	184	6	expressed	express	VERB
ajfa-5290	184	7	as	as	ADP
ajfa-5290	184	8	:	:	PUNCT
ajfa-5290	184	9	μβα	μβα	PROPN
ajfa-5290	184	10	+	+	PROPN
ajfa-5290	184	11	+	+	NOUN
ajfa-5290	184	12	=	=	SYM
ajfa-5290	184	13	)	)	PUNCT
ajfa-5290	184	14	(	(	PUNCT
ajfa-5290	184	15	)	)	PUNCT
ajfa-5290	184	16	,	,	PUNCT
ajfa-5290	184	17	(	(	PUNCT
ajfa-5290	184	18	tl	tl	PROPN
ajfa-5290	184	19	nplroeroap	nplroeroap	NOUN
ajfa-5290	184	20	(	(	PUNCT
ajfa-5290	184	21	1	1	NUM
ajfa-5290	184	22	)	)	PUNCT
ajfa-5290	184	23	,	,	PUNCT
ajfa-5290	184	24	by	by	ADP
ajfa-5290	184	25	simplifying	simplify	VERB
ajfa-5290	184	26	the	the	DET
ajfa-5290	184	27	model	model	NOUN
ajfa-5290	184	28	,	,	PUNCT
ajfa-5290	184	29	it	it	PRON
ajfa-5290	184	30	can	can	AUX
ajfa-5290	184	31	be	be	AUX
ajfa-5290	184	32	written	write	VERB
ajfa-5290	184	33	as	as	ADP
ajfa-5290	184	34	:	:	PUNCT
ajfa-5290	184	35	)	)	PUNCT
ajfa-5290	184	36	(	(	PUNCT
ajfa-5290	184	37	)	)	PUNCT
ajfa-5290	184	38	,	,	PUNCT
ajfa-5290	184	39	(	(	PUNCT
ajfa-5290	184	40	logtl	logtl	ADJ
ajfa-5290	184	41	lognplroeroap	lognplroeroap	NOUN
ajfa-5290	184	42	βα	βα	PUNCT
ajfa-5290	185	1	+	+	SYM
ajfa-5290	185	2	=	=	X
ajfa-5290	185	3	(	(	PUNCT
ajfa-5290	185	4	2	2	NUM
ajfa-5290	185	5	)	)	PUNCT
ajfa-5290	185	6	,	,	PUNCT
ajfa-5290	185	7	where	where	SCONJ
ajfa-5290	185	8	p	p	NOUN
ajfa-5290	185	9	represents	represent	VERB
ajfa-5290	185	10	profitability	profitability	NOUN
ajfa-5290	185	11	and	and	CCONJ
ajfa-5290	185	12	diversity	diversity	NOUN
ajfa-5290	185	13	of	of	ADP
ajfa-5290	185	14	npl	npl	PROPN
ajfa-5290	185	15	and	and	CCONJ
ajfa-5290	185	16	tl	tl	PROPN
ajfa-5290	185	17	were	be	AUX
ajfa-5290	185	18	reduced	reduce	VERB
ajfa-5290	185	19	by	by	ADP
ajfa-5290	185	20	introduction	introduction	NOUN
ajfa-5290	185	21	of	of	ADP
ajfa-5290	185	22	base	base	NOUN
ajfa-5290	185	23	10	10	NUM
ajfa-5290	185	24	logarithm	logarithm	NOUN
ajfa-5290	185	25	.	.	PUNCT
ajfa-5290	186	1	furthermore	furthermore	ADV
ajfa-5290	186	2	,	,	PUNCT
ajfa-5290	186	3	magali	magali	PROPN
ajfa-5290	186	4	and	and	CCONJ
ajfa-5290	186	5	pastory	pastory	ADJ
ajfa-5290	186	6	(	(	PUNCT
ajfa-5290	186	7	2013	2013	NUM
ajfa-5290	186	8	)	)	PUNCT
ajfa-5290	186	9	assessed	assess	VERB
ajfa-5290	186	10	the	the	DET
ajfa-5290	186	11	technical	technical	ADJ
ajfa-5290	186	12	efficiency	efficiency	NOUN
ajfa-5290	186	13	of	of	ADP
ajfa-5290	186	14	rural	rural	ADJ
ajfa-5290	186	15	saccos	sacco	NOUN
ajfa-5290	186	16	in	in	ADP
ajfa-5290	186	17	tanzania	tanzania	PROPN
ajfa-5290	186	18	by	by	ADP
ajfa-5290	186	19	using	use	VERB
ajfa-5290	186	20	dea	dea	NOUN
ajfa-5290	186	21	where	where	SCONJ
ajfa-5290	186	22	number	number	NOUN
ajfa-5290	186	23	of	of	ADP
ajfa-5290	186	24	members	member	NOUN
ajfa-5290	186	25	,	,	PUNCT
ajfa-5290	186	26	total	total	ADJ
ajfa-5290	186	27	savings	saving	NOUN
ajfa-5290	186	28	and	and	CCONJ
ajfa-5290	186	29	deposits	deposit	NOUN
ajfa-5290	186	30	and	and	CCONJ
ajfa-5290	186	31	total	total	ADJ
ajfa-5290	186	32	expenses	expense	NOUN
ajfa-5290	186	33	were	be	AUX
ajfa-5290	186	34	classified	classify	VERB
ajfa-5290	186	35	as	as	ADP
ajfa-5290	186	36	inputs	input	NOUN
ajfa-5290	186	37	while	while	SCONJ
ajfa-5290	186	38	the	the	DET
ajfa-5290	186	39	loans	loan	NOUN
ajfa-5290	186	40	issued	issue	VERB
ajfa-5290	186	41	were	be	AUX
ajfa-5290	186	42	classified	classify	VERB
ajfa-5290	186	43	as	as	ADP
ajfa-5290	186	44	output	output	NOUN
ajfa-5290	186	45	while	while	SCONJ
ajfa-5290	186	46	marwa	marwa	PROPN
ajfa-5290	186	47	and	and	CCONJ
ajfa-5290	186	48	aziakpono	aziakpono	PROPN
ajfa-5290	186	49	(	(	PUNCT
ajfa-5290	186	50	2013	2013	NUM
ajfa-5290	186	51	)	)	PUNCT
ajfa-5290	186	52	assessed	assess	VERB
ajfa-5290	186	53	the	the	DET
ajfa-5290	186	54	technical	technical	ADJ
ajfa-5290	186	55	and	and	CCONJ
ajfa-5290	186	56	scale	scale	NOUN
ajfa-5290	186	57	efficiency	efficiency	NOUN
ajfa-5290	186	58	of	of	ADP
ajfa-5290	186	59	saccos	saccos	PROPN
ajfa-5290	186	60	in	in	ADP
ajfa-5290	186	61	tanzania	tanzania	PROPN
ajfa-5290	186	62	by	by	ADP
ajfa-5290	186	63	using	use	VERB
ajfa-5290	186	64	dea	dea	NOUN
ajfa-5290	186	65	where	where	SCONJ
ajfa-5290	186	66	the	the	DET
ajfa-5290	186	67	total	total	ADJ
ajfa-5290	186	68	costs	cost	NOUN
ajfa-5290	186	69	and	and	CCONJ
ajfa-5290	186	70	total	total	ADJ
ajfa-5290	186	71	fixed	fixed	ADJ
ajfa-5290	186	72	assets	asset	NOUN
ajfa-5290	186	73	were	be	AUX
ajfa-5290	186	74	classified	classify	VERB
ajfa-5290	186	75	as	as	ADP
ajfa-5290	186	76	inputs	input	NOUN
ajfa-5290	186	77	while	while	SCONJ
ajfa-5290	186	78	the	the	DET
ajfa-5290	186	79	total	total	ADJ
ajfa-5290	186	80	deposits	deposit	NOUN
ajfa-5290	186	81	and	and	CCONJ
ajfa-5290	186	82	total	total	ADJ
ajfa-5290	186	83	loans	loan	NOUN
ajfa-5290	186	84	in	in	ADP
ajfa-5290	186	85	a	a	DET
ajfa-5290	186	86	portfolio	portfolio	NOUN
ajfa-5290	186	87	were	be	AUX
ajfa-5290	186	88	used	use	VERB
ajfa-5290	186	89	as	as	ADP
ajfa-5290	186	90	outputs	output	NOUN
ajfa-5290	186	91	.	.	PUNCT
ajfa-5290	187	1	asian	asian	ADJ
ajfa-5290	187	2	journal	journal	PROPN
ajfa-5290	187	3	of	of	ADP
ajfa-5290	187	4	finance	finance	PROPN
ajfa-5290	187	5	&	&	CCONJ
ajfa-5290	187	6	accounting	accounting	PROPN
ajfa-5290	187	7	issn	issn	PROPN
ajfa-5290	187	8	1946	1946	NUM
ajfa-5290	187	9	-	-	PUNCT
ajfa-5290	187	10	052x	052x	PROPN
ajfa-5290	187	11	2014	2014	NUM
ajfa-5290	187	12	,	,	PUNCT
ajfa-5290	187	13	vol	vol	NOUN
ajfa-5290	187	14	.	.	PROPN
ajfa-5290	188	1	6	6	NUM
ajfa-5290	188	2	,	,	PUNCT
ajfa-5290	188	3	no	no	INTJ
ajfa-5290	188	4	.	.	NOUN
ajfa-5290	188	5	1	1	NUM
ajfa-5290	188	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-5290	188	7	208	208	NUM
ajfa-5290	188	8	3	3	NUM
ajfa-5290	188	9	.	.	PUNCT
ajfa-5290	188	10	discussion	discussion	NOUN
ajfa-5290	188	11	of	of	ADP
ajfa-5290	188	12	the	the	DET
ajfa-5290	188	13	findings	finding	NOUN
ajfa-5290	188	14	the	the	DET
ajfa-5290	188	15	findings	finding	NOUN
ajfa-5290	188	16	show	show	VERB
ajfa-5290	188	17	that	that	SCONJ
ajfa-5290	188	18	kenyan	kenyan	ADJ
ajfa-5290	188	19	scholars	scholar	NOUN
ajfa-5290	188	20	lead	lead	VERB
ajfa-5290	188	21	in	in	ADP
ajfa-5290	188	22	studying	study	VERB
ajfa-5290	188	23	saccos	sacco	NOUN
ajfa-5290	188	24	’	'	PUNCT
ajfa-5290	188	25	issues	issue	NOUN
ajfa-5290	188	26	.	.	PUNCT
ajfa-5290	189	1	the	the	DET
ajfa-5290	189	2	findings	finding	NOUN
ajfa-5290	189	3	from	from	ADP
ajfa-5290	189	4	tanzania	tanzania	PROPN
ajfa-5290	189	5	,	,	PUNCT
ajfa-5290	189	6	kenya	kenya	PROPN
ajfa-5290	189	7	and	and	CCONJ
ajfa-5290	189	8	other	other	ADJ
ajfa-5290	189	9	countries	country	NOUN
ajfa-5290	189	10	show	show	VERB
ajfa-5290	189	11	that	that	SCONJ
ajfa-5290	189	12	most	most	ADJ
ajfa-5290	189	13	scholars	scholar	NOUN
ajfa-5290	189	14	apply	apply	VERB
ajfa-5290	189	15	the	the	DET
ajfa-5290	189	16	regression	regression	NOUN
ajfa-5290	189	17	analysis	analysis	NOUN
ajfa-5290	189	18	to	to	PART
ajfa-5290	189	19	model	model	VERB
ajfa-5290	189	20	the	the	DET
ajfa-5290	189	21	saccos	sacco	NOUN
ajfa-5290	189	22	’	'	PUNCT
ajfa-5290	189	23	variables	variable	NOUN
ajfa-5290	189	24	.	.	PUNCT
ajfa-5290	190	1	clock	clock	NOUN
ajfa-5290	190	2	backward	backward	ADJ
ajfa-5290	190	3	(	(	PUNCT
ajfa-5290	190	4	2009	2009	NUM
ajfa-5290	190	5	)	)	PUNCT
ajfa-5290	190	6	asserted	assert	VERB
ajfa-5290	190	7	that	that	SCONJ
ajfa-5290	190	8	most	most	ADJ
ajfa-5290	190	9	scholars	scholar	NOUN
ajfa-5290	190	10	prefer	prefer	VERB
ajfa-5290	190	11	to	to	PART
ajfa-5290	190	12	use	use	VERB
ajfa-5290	190	13	the	the	DET
ajfa-5290	190	14	univariate	univariate	ADJ
ajfa-5290	190	15	or	or	CCONJ
ajfa-5290	190	16	multivariate	multivariate	NOUN
ajfa-5290	190	17	regression	regression	NOUN
ajfa-5290	190	18	models	model	NOUN
ajfa-5290	190	19	which	which	PRON
ajfa-5290	190	20	apply	apply	VERB
ajfa-5290	190	21	ordinary	ordinary	ADJ
ajfa-5290	190	22	least	least	ADJ
ajfa-5290	190	23	square	square	ADJ
ajfa-5290	190	24	(	(	PUNCT
ajfa-5290	190	25	ols	ol	NOUN
ajfa-5290	190	26	)	)	PUNCT
ajfa-5290	190	27	method	method	NOUN
ajfa-5290	190	28	because	because	SCONJ
ajfa-5290	190	29	its	its	PRON
ajfa-5290	190	30	application	application	NOUN
ajfa-5290	190	31	in	in	ADP
ajfa-5290	190	32	computers	computer	NOUN
ajfa-5290	190	33	is	be	AUX
ajfa-5290	190	34	simple	simple	ADJ
ajfa-5290	190	35	,	,	PUNCT
ajfa-5290	190	36	it	it	PRON
ajfa-5290	190	37	can	can	AUX
ajfa-5290	190	38	handle	handle	VERB
ajfa-5290	190	39	problems	problem	NOUN
ajfa-5290	190	40	of	of	ADP
ajfa-5290	190	41	various	various	ADJ
ajfa-5290	190	42	fields	field	NOUN
ajfa-5290	190	43	,	,	PUNCT
ajfa-5290	190	44	simple	simple	ADJ
ajfa-5290	190	45	to	to	ADP
ajfa-5290	190	46	analyse	analyse	VERB
ajfa-5290	190	47	mathematically	mathematically	ADV
ajfa-5290	190	48	as	as	SCONJ
ajfa-5290	190	49	opposed	oppose	VERB
ajfa-5290	190	50	to	to	ADP
ajfa-5290	190	51	other	other	ADJ
ajfa-5290	190	52	models	model	NOUN
ajfa-5290	190	53	and	and	CCONJ
ajfa-5290	190	54	the	the	DET
ajfa-5290	190	55	results	result	NOUN
ajfa-5290	190	56	from	from	ADP
ajfa-5290	190	57	the	the	DET
ajfa-5290	190	58	regression	regression	NOUN
ajfa-5290	190	59	analysis	analysis	NOUN
ajfa-5290	190	60	can	can	AUX
ajfa-5290	190	61	be	be	AUX
ajfa-5290	190	62	interpreted	interpret	VERB
ajfa-5290	190	63	easily	easily	ADV
ajfa-5290	190	64	even	even	ADV
ajfa-5290	190	65	to	to	ADP
ajfa-5290	190	66	a	a	DET
ajfa-5290	190	67	non	non	ADJ
ajfa-5290	190	68	-	-	ADJ
ajfa-5290	190	69	mathematician	mathematician	ADJ
ajfa-5290	190	70	.	.	PUNCT
ajfa-5290	191	1	however	however	ADV
ajfa-5290	191	2	,	,	PUNCT
ajfa-5290	191	3	the	the	DET
ajfa-5290	191	4	results	result	NOUN
ajfa-5290	191	5	from	from	ADP
ajfa-5290	191	6	the	the	DET
ajfa-5290	191	7	multivariate	multivariate	NOUN
ajfa-5290	191	8	regression	regression	NOUN
ajfa-5290	191	9	models	model	NOUN
ajfa-5290	191	10	need	need	VERB
ajfa-5290	191	11	to	to	PART
ajfa-5290	191	12	be	be	AUX
ajfa-5290	191	13	tested	test	VERB
ajfa-5290	191	14	against	against	ADP
ajfa-5290	191	15	heteroscedasticity	heteroscedasticity	NOUN
ajfa-5290	191	16	,	,	PUNCT
ajfa-5290	191	17	autocorrelation	autocorrelation	NOUN
ajfa-5290	191	18	and	and	CCONJ
ajfa-5290	191	19	multicollinearity	multicollinearity	NOUN
ajfa-5290	191	20	as	as	SCONJ
ajfa-5290	191	21	proposed	propose	VERB
ajfa-5290	191	22	by	by	ADP
ajfa-5290	191	23	gujarat	gujarat	NOUN
ajfa-5290	191	24	and	and	CCONJ
ajfa-5290	191	25	porter	porter	NOUN
ajfa-5290	191	26	(	(	PUNCT
ajfa-5290	191	27	2010	2010	NUM
ajfa-5290	191	28	)	)	PUNCT
ajfa-5290	191	29	.	.	PUNCT
ajfa-5290	192	1	likewise	likewise	ADV
ajfa-5290	192	2	the	the	DET
ajfa-5290	192	3	findings	finding	NOUN
ajfa-5290	192	4	show	show	VERB
ajfa-5290	192	5	that	that	SCONJ
ajfa-5290	192	6	most	most	ADJ
ajfa-5290	192	7	scholars	scholar	NOUN
ajfa-5290	192	8	in	in	ADP
ajfa-5290	192	9	tanzania	tanzania	PROPN
ajfa-5290	192	10	examined	examine	VERB
ajfa-5290	192	11	the	the	DET
ajfa-5290	192	12	outreach	outreach	NOUN
ajfa-5290	192	13	and	and	CCONJ
ajfa-5290	192	14	sustainability	sustainability	NOUN
ajfa-5290	192	15	of	of	ADP
ajfa-5290	192	16	the	the	DET
ajfa-5290	192	17	saccos	saccos	PROPN
ajfa-5290	192	18	while	while	SCONJ
ajfa-5290	192	19	few	few	ADJ
ajfa-5290	192	20	scholars	scholar	NOUN
ajfa-5290	192	21	analysed	analyse	VERB
ajfa-5290	192	22	the	the	DET
ajfa-5290	192	23	efficiency	efficiency	NOUN
ajfa-5290	192	24	.	.	PUNCT
ajfa-5290	193	1	however	however	ADV
ajfa-5290	193	2	,	,	PUNCT
ajfa-5290	193	3	efficiency	efficiency	NOUN
ajfa-5290	193	4	studies	study	NOUN
ajfa-5290	193	5	need	need	VERB
ajfa-5290	193	6	to	to	PART
ajfa-5290	193	7	be	be	AUX
ajfa-5290	193	8	extended	extend	VERB
ajfa-5290	193	9	so	so	SCONJ
ajfa-5290	193	10	as	as	SCONJ
ajfa-5290	193	11	to	to	PART
ajfa-5290	193	12	reveal	reveal	VERB
ajfa-5290	193	13	the	the	DET
ajfa-5290	193	14	real	real	ADJ
ajfa-5290	193	15	situation	situation	NOUN
ajfa-5290	193	16	of	of	ADP
ajfa-5290	193	17	both	both	CCONJ
ajfa-5290	193	18	rural	rural	ADJ
ajfa-5290	193	19	and	and	CCONJ
ajfa-5290	193	20	urban	urban	ADJ
ajfa-5290	193	21	saccos	sacco	NOUN
ajfa-5290	193	22	’	'	PUNCT
ajfa-5290	193	23	efficiencies	efficiency	NOUN
ajfa-5290	193	24	in	in	ADP
ajfa-5290	193	25	tanzania	tanzania	NOUN
ajfa-5290	193	26	separately	separately	ADV
ajfa-5290	193	27	.	.	PUNCT
ajfa-5290	194	1	the	the	DET
ajfa-5290	194	2	findings	finding	NOUN
ajfa-5290	194	3	further	far	ADV
ajfa-5290	194	4	indicate	indicate	VERB
ajfa-5290	194	5	that	that	SCONJ
ajfa-5290	194	6	magali	magali	PROPN
ajfa-5290	194	7	(	(	PUNCT
ajfa-5290	194	8	2013a	2013a	NUM
ajfa-5290	194	9	&	&	CCONJ
ajfa-5290	194	10	b	b	NOUN
ajfa-5290	194	11	)	)	PUNCT
ajfa-5290	194	12	assessed	assess	VERB
ajfa-5290	194	13	the	the	DET
ajfa-5290	194	14	credits	credit	NOUN
ajfa-5290	194	15	risk	risk	NOUN
ajfa-5290	194	16	management	management	NOUN
ajfa-5290	194	17	in	in	ADP
ajfa-5290	194	18	rural	rural	ADJ
ajfa-5290	194	19	saccos	sacco	NOUN
ajfa-5290	194	20	by	by	ADP
ajfa-5290	194	21	using	use	VERB
ajfa-5290	194	22	npl	npl	PROPN
ajfa-5290	194	23	as	as	ADP
ajfa-5290	194	24	dependent	dependent	ADJ
ajfa-5290	194	25	variables	variable	NOUN
ajfa-5290	194	26	with	with	ADP
ajfa-5290	194	27	a	a	DET
ajfa-5290	194	28	multiple	multiple	ADJ
ajfa-5290	194	29	regression	regression	NOUN
ajfa-5290	194	30	model	model	NOUN
ajfa-5290	194	31	.	.	PUNCT
ajfa-5290	195	1	this	this	PRON
ajfa-5290	195	2	is	be	AUX
ajfa-5290	195	3	an	an	DET
ajfa-5290	195	4	innovation	innovation	NOUN
ajfa-5290	195	5	since	since	SCONJ
ajfa-5290	195	6	majority	majority	NOUN
ajfa-5290	195	7	of	of	ADP
ajfa-5290	195	8	authors	author	NOUN
ajfa-5290	195	9	use	use	VERB
ajfa-5290	195	10	the	the	DET
ajfa-5290	195	11	amount	amount	NOUN
ajfa-5290	195	12	of	of	ADP
ajfa-5290	195	13	loans	loan	NOUN
ajfa-5290	195	14	repaid	repay	VERB
ajfa-5290	195	15	by	by	ADP
ajfa-5290	195	16	borrowers	borrower	NOUN
ajfa-5290	195	17	with	with	ADP
ajfa-5290	195	18	multiple	multiple	ADJ
ajfa-5290	195	19	regression	regression	NOUN
ajfa-5290	195	20	models	model	NOUN
ajfa-5290	195	21	to	to	PART
ajfa-5290	195	22	assess	assess	VERB
ajfa-5290	195	23	the	the	DET
ajfa-5290	195	24	credits	credit	NOUN
ajfa-5290	195	25	/	/	SYM
ajfa-5290	195	26	loans	loan	NOUN
ajfa-5290	195	27	repayment	repayment	NOUN
ajfa-5290	195	28	performance	performance	NOUN
ajfa-5290	195	29	in	in	ADP
ajfa-5290	195	30	mfis	mfis	PROPN
ajfa-5290	195	31	(	(	PUNCT
ajfa-5290	195	32	oladeebo	oladeebo	NOUN
ajfa-5290	195	33	and	and	CCONJ
ajfa-5290	195	34	oladeebo	oladeebo	NOUN
ajfa-5290	195	35	2008	2008	NUM
ajfa-5290	195	36	;	;	PUNCT
ajfa-5290	195	37	acquah	acquah	NOUN
ajfa-5290	195	38	and	and	CCONJ
ajfa-5290	195	39	addo	addo	PROPN
ajfa-5290	195	40	2011	2011	NUM
ajfa-5290	195	41	;	;	PUNCT
ajfa-5290	195	42	haque	haque	PROPN
ajfa-5290	195	43	et	et	PROPN
ajfa-5290	195	44	al	al	PROPN
ajfa-5290	195	45	2011	2011	NUM
ajfa-5290	195	46	;	;	PUNCT
ajfa-5290	195	47	ojiako	ojiako	PROPN
ajfa-5290	195	48	and	and	CCONJ
ajfa-5290	195	49	ogbukwa	ogbukwa	PROPN
ajfa-5290	195	50	2012	2012	NUM
ajfa-5290	195	51	)	)	PUNCT
ajfa-5290	195	52	.	.	PUNCT
ajfa-5290	196	1	however	however	ADV
ajfa-5290	196	2	,	,	PUNCT
ajfa-5290	196	3	studies	study	NOUN
ajfa-5290	196	4	which	which	PRON
ajfa-5290	196	5	examined	examine	VERB
ajfa-5290	196	6	the	the	DET
ajfa-5290	196	7	borrowers	borrower	NOUN
ajfa-5290	196	8	’	’	PART
ajfa-5290	196	9	loans	loan	NOUN
ajfa-5290	196	10	default	default	NOUN
ajfa-5290	196	11	risk	risk	NOUN
ajfa-5290	196	12	applied	apply	VERB
ajfa-5290	196	13	the	the	DET
ajfa-5290	196	14	logit	logit	NOUN
ajfa-5290	196	15	models	model	NOUN
ajfa-5290	196	16	(	(	PUNCT
ajfa-5290	196	17	tra	tra	NOUN
ajfa-5290	196	18	and	and	CCONJ
ajfa-5290	196	19	lensink	lensink	PROPN
ajfa-5290	196	20	n.d	n.d	PROPN
ajfa-5290	196	21	;	;	PUNCT
ajfa-5290	196	22	vasanthi	vasanthi	NOUN
ajfa-5290	196	23	and	and	CCONJ
ajfa-5290	196	24	raja	raja	PROPN
ajfa-5290	196	25	2006	2006	NUM
ajfa-5290	196	26	;	;	PUNCT
ajfa-5290	196	27	kohansal	kohansal	NOUN
ajfa-5290	196	28	and	and	CCONJ
ajfa-5290	196	29	mansoori	mansoori	VERB
ajfa-5290	196	30	2009	2009	NUM
ajfa-5290	196	31	)	)	PUNCT
ajfa-5290	196	32	.	.	PUNCT
ajfa-5290	197	1	moreover	moreover	ADV
ajfa-5290	197	2	,	,	PUNCT
ajfa-5290	197	3	mensah	mensah	PROPN
ajfa-5290	197	4	(	(	PUNCT
ajfa-5290	197	5	2013	2013	NUM
ajfa-5290	197	6	)	)	PUNCT
ajfa-5290	197	7	measured	measure	VERB
ajfa-5290	197	8	loans	loan	NOUN
ajfa-5290	197	9	default	default	NOUN
ajfa-5290	197	10	by	by	ADP
ajfa-5290	197	11	counting	count	VERB
ajfa-5290	197	12	the	the	DET
ajfa-5290	197	13	number	number	NOUN
ajfa-5290	197	14	of	of	ADP
ajfa-5290	197	15	times	time	NOUN
ajfa-5290	197	16	the	the	DET
ajfa-5290	197	17	borrower	borrower	NOUN
ajfa-5290	197	18	defaulted	default	VERB
ajfa-5290	197	19	.	.	PUNCT
ajfa-5290	198	1	magali	magali	PROPN
ajfa-5290	198	2	(	(	PUNCT
ajfa-5290	198	3	2013b	2013b	NUM
ajfa-5290	198	4	)	)	PUNCT
ajfa-5290	198	5	also	also	ADV
ajfa-5290	198	6	adopted	adopt	VERB
ajfa-5290	198	7	the	the	DET
ajfa-5290	198	8	model	model	NOUN
ajfa-5290	198	9	from	from	ADP
ajfa-5290	198	10	commercial	commercial	ADJ
ajfa-5290	198	11	banks	bank	NOUN
ajfa-5290	198	12	in	in	ADP
ajfa-5290	198	13	measuring	measure	VERB
ajfa-5290	198	14	the	the	DET
ajfa-5290	198	15	impacts	impact	NOUN
ajfa-5290	198	16	of	of	ADP
ajfa-5290	198	17	credits	credit	NOUN
ajfa-5290	198	18	risk	risk	NOUN
ajfa-5290	198	19	management	management	NOUN
ajfa-5290	198	20	on	on	ADP
ajfa-5290	198	21	profitability	profitability	NOUN
ajfa-5290	198	22	of	of	ADP
ajfa-5290	198	23	the	the	DET
ajfa-5290	198	24	rural	rural	ADJ
ajfa-5290	198	25	saccos	sacco	NOUN
ajfa-5290	198	26	.	.	PUNCT
ajfa-5290	199	1	scholars	scholar	NOUN
ajfa-5290	199	2	who	who	PRON
ajfa-5290	199	3	assessed	assess	VERB
ajfa-5290	199	4	the	the	DET
ajfa-5290	199	5	impacts	impact	NOUN
ajfa-5290	199	6	of	of	ADP
ajfa-5290	199	7	credits	credit	NOUN
ajfa-5290	199	8	risk	risk	NOUN
ajfa-5290	199	9	management	management	NOUN
ajfa-5290	199	10	on	on	ADP
ajfa-5290	199	11	profitability	profitability	NOUN
ajfa-5290	199	12	of	of	ADP
ajfa-5290	199	13	banks	bank	NOUN
ajfa-5290	199	14	include	include	VERB
ajfa-5290	199	15	achou	achou	PROPN
ajfa-5290	199	16	and	and	CCONJ
ajfa-5290	199	17	tenguh	tenguh	NOUN
ajfa-5290	199	18	(	(	PUNCT
ajfa-5290	199	19	2008	2008	NUM
ajfa-5290	199	20	)	)	PUNCT
ajfa-5290	199	21	,	,	PUNCT
ajfa-5290	199	22	haneef	haneef	PROPN
ajfa-5290	199	23	et	et	PROPN
ajfa-5290	199	24	al	al	PROPN
ajfa-5290	199	25	(	(	PUNCT
ajfa-5290	199	26	2012	2012	NUM
ajfa-5290	199	27	)	)	PUNCT
ajfa-5290	199	28	,	,	PUNCT
ajfa-5290	199	29	funso	funso	VERB
ajfa-5290	199	30	et	et	PROPN
ajfa-5290	199	31	al	al	PROPN
ajfa-5290	199	32	(	(	PUNCT
ajfa-5290	199	33	2012	2012	NUM
ajfa-5290	199	34	)	)	PUNCT
ajfa-5290	199	35	and	and	CCONJ
ajfa-5290	199	36	kaaya	kaaya	NOUN
ajfa-5290	199	37	and	and	CCONJ
ajfa-5290	199	38	pastory	pastory	ADJ
ajfa-5290	199	39	(	(	PUNCT
ajfa-5290	199	40	2013	2013	NUM
ajfa-5290	199	41	)	)	PUNCT
ajfa-5290	199	42	.	.	PUNCT
ajfa-5290	200	1	the	the	DET
ajfa-5290	200	2	findings	finding	NOUN
ajfa-5290	200	3	show	show	VERB
ajfa-5290	200	4	that	that	SCONJ
ajfa-5290	200	5	this	this	PRON
ajfa-5290	200	6	is	be	AUX
ajfa-5290	200	7	the	the	DET
ajfa-5290	200	8	first	first	ADJ
ajfa-5290	200	9	study	study	NOUN
ajfa-5290	200	10	to	to	PART
ajfa-5290	200	11	be	be	AUX
ajfa-5290	200	12	done	do	VERB
ajfa-5290	200	13	in	in	ADP
ajfa-5290	200	14	rural	rural	ADJ
ajfa-5290	200	15	mfi	mfi	PROPN
ajfa-5290	200	16	(	(	PUNCT
ajfa-5290	200	17	i.e	i.e	X
ajfa-5290	200	18	saccos	sacco	NOUN
ajfa-5290	200	19	)	)	PUNCT
ajfa-5290	200	20	in	in	ADP
ajfa-5290	200	21	tanzania	tanzania	PROPN
ajfa-5290	200	22	.	.	PUNCT
ajfa-5290	201	1	the	the	DET
ajfa-5290	201	2	findings	finding	NOUN
ajfa-5290	201	3	also	also	ADV
ajfa-5290	201	4	indicate	indicate	VERB
ajfa-5290	201	5	that	that	SCONJ
ajfa-5290	201	6	to	to	ADP
ajfa-5290	201	7	the	the	DET
ajfa-5290	201	8	best	good	ADJ
ajfa-5290	201	9	of	of	ADP
ajfa-5290	201	10	my	my	PRON
ajfa-5290	201	11	knowledge	knowledge	NOUN
ajfa-5290	201	12	,	,	PUNCT
ajfa-5290	201	13	only	only	ADV
ajfa-5290	201	14	two	two	NUM
ajfa-5290	201	15	studies	study	NOUN
ajfa-5290	201	16	(	(	PUNCT
ajfa-5290	201	17	magali	magali	NOUN
ajfa-5290	201	18	and	and	CCONJ
ajfa-5290	201	19	pastory	pastory	ADJ
ajfa-5290	201	20	2013	2013	NUM
ajfa-5290	201	21	and	and	CCONJ
ajfa-5290	201	22	marwa	marwa	PROPN
ajfa-5290	201	23	and	and	CCONJ
ajfa-5290	201	24	aziakpono	aziakpono	NOUN
ajfa-5290	201	25	2013	2013	NUM
ajfa-5290	201	26	)	)	PUNCT
ajfa-5290	201	27	assessed	assess	VERB
ajfa-5290	201	28	the	the	DET
ajfa-5290	201	29	technical	technical	ADJ
ajfa-5290	201	30	efficiency	efficiency	NOUN
ajfa-5290	201	31	of	of	ADP
ajfa-5290	201	32	saccos	saccos	PROPN
ajfa-5290	201	33	in	in	ADP
ajfa-5290	201	34	tanzania	tanzania	PROPN
ajfa-5290	201	35	by	by	ADP
ajfa-5290	201	36	using	use	VERB
ajfa-5290	201	37	dea	dea	PROPN
ajfa-5290	201	38	.	.	PUNCT
ajfa-5290	202	1	however	however	ADV
ajfa-5290	202	2	,	,	PUNCT
ajfa-5290	202	3	only	only	ADV
ajfa-5290	202	4	magali	magali	PROPN
ajfa-5290	202	5	and	and	CCONJ
ajfa-5290	202	6	pastory	pastory	ADJ
ajfa-5290	202	7	(	(	PUNCT
ajfa-5290	202	8	2013	2013	NUM
ajfa-5290	202	9	)	)	PUNCT
ajfa-5290	202	10	focused	focus	VERB
ajfa-5290	202	11	the	the	DET
ajfa-5290	202	12	efficiency	efficiency	NOUN
ajfa-5290	202	13	of	of	ADP
ajfa-5290	202	14	rural	rural	ADJ
ajfa-5290	202	15	saccos	sacco	NOUN
ajfa-5290	202	16	in	in	ADP
ajfa-5290	202	17	tanzania	tanzania	PROPN
ajfa-5290	202	18	while	while	SCONJ
ajfa-5290	202	19	marwa	marwa	PROPN
ajfa-5290	202	20	and	and	CCONJ
ajfa-5290	202	21	aziakpono	aziakpono	PROPN
ajfa-5290	202	22	(	(	PUNCT
ajfa-5290	202	23	2013	2013	NUM
ajfa-5290	202	24	)	)	PUNCT
ajfa-5290	202	25	assessed	assess	VERB
ajfa-5290	202	26	the	the	DET
ajfa-5290	202	27	efficiency	efficiency	NOUN
ajfa-5290	202	28	of	of	ADP
ajfa-5290	202	29	both	both	CCONJ
ajfa-5290	202	30	rural	rural	ADJ
ajfa-5290	202	31	and	and	CCONJ
ajfa-5290	202	32	urban	urban	ADJ
ajfa-5290	202	33	saccos	sacco	NOUN
ajfa-5290	202	34	.	.	PUNCT
ajfa-5290	203	1	the	the	DET
ajfa-5290	203	2	literatures	literature	NOUN
ajfa-5290	203	3	show	show	VERB
ajfa-5290	203	4	that	that	SCONJ
ajfa-5290	203	5	most	most	ADJ
ajfa-5290	203	6	scholars	scholar	NOUN
ajfa-5290	203	7	are	be	AUX
ajfa-5290	203	8	interested	interested	ADJ
ajfa-5290	203	9	to	to	ADP
ajfa-5290	203	10	the	the	DET
ajfa-5290	203	11	study	study	NOUN
ajfa-5290	203	12	the	the	DET
ajfa-5290	203	13	efficiency	efficiency	NOUN
ajfa-5290	203	14	of	of	ADP
ajfa-5290	203	15	banks	bank	NOUN
ajfa-5290	203	16	or	or	CCONJ
ajfa-5290	203	17	other	other	ADJ
ajfa-5290	203	18	mfis	mfis	NOUN
ajfa-5290	203	19	(	(	PUNCT
ajfa-5290	203	20	misra	misra	PROPN
ajfa-5290	203	21	2006	2006	NUM
ajfa-5290	203	22	;	;	PUNCT
ajfa-5290	203	23	kipesha	kipesha	PROPN
ajfa-5290	203	24	2012	2012	NUM
ajfa-5290	203	25	,	,	PUNCT
ajfa-5290	203	26	gwahula	gwahula	NOUN
ajfa-5290	203	27	2012	2012	NUM
ajfa-5290	203	28	)	)	PUNCT
ajfa-5290	203	29	.	.	PUNCT
ajfa-5290	204	1	likewise	likewise	ADV
ajfa-5290	204	2	the	the	DET
ajfa-5290	204	3	findings	finding	NOUN
ajfa-5290	204	4	indicate	indicate	VERB
ajfa-5290	204	5	that	that	SCONJ
ajfa-5290	204	6	impacts	impact	NOUN
ajfa-5290	204	7	of	of	ADP
ajfa-5290	204	8	loans	loan	NOUN
ajfa-5290	204	9	on	on	ADP
ajfa-5290	204	10	clients	client	NOUN
ajfa-5290	204	11	were	be	AUX
ajfa-5290	204	12	measured	measure	VERB
ajfa-5290	204	13	by	by	ADP
ajfa-5290	204	14	using	use	VERB
ajfa-5290	204	15	the	the	DET
ajfa-5290	204	16	logistic	logistic	ADJ
ajfa-5290	204	17	regression	regression	NOUN
ajfa-5290	204	18	model	model	NOUN
ajfa-5290	204	19	(	(	PUNCT
ajfa-5290	204	20	magali	magali	PROPN
ajfa-5290	204	21	2013d	2013d	NUM
ajfa-5290	204	22	)	)	PUNCT
ajfa-5290	204	23	.	.	PUNCT
ajfa-5290	205	1	the	the	DET
ajfa-5290	205	2	use	use	NOUN
ajfa-5290	205	3	of	of	ADP
ajfa-5290	205	4	logistic	logistic	ADJ
ajfa-5290	205	5	regression	regression	NOUN
ajfa-5290	205	6	in	in	ADP
ajfa-5290	205	7	measuring	measure	VERB
ajfa-5290	205	8	impacts	impact	NOUN
ajfa-5290	205	9	of	of	ADP
ajfa-5290	205	10	mfis	mfis	NOUN
ajfa-5290	205	11	is	be	AUX
ajfa-5290	205	12	not	not	PART
ajfa-5290	205	13	famous	famous	ADJ
ajfa-5290	205	14	by	by	ADP
ajfa-5290	205	15	many	many	ADJ
ajfa-5290	205	16	authors	author	NOUN
ajfa-5290	205	17	.the	.the	PUNCT
ajfa-5290	206	1	literature	literature	PROPN
ajfa-5290	206	2	show	show	VERB
ajfa-5290	206	3	that	that	SCONJ
ajfa-5290	206	4	haque	haque	PROPN
ajfa-5290	206	5	et	et	PROPN
ajfa-5290	206	6	al	al	PROPN
ajfa-5290	206	7	(	(	PUNCT
ajfa-5290	206	8	2011	2011	NUM
ajfa-5290	206	9	)	)	PUNCT
ajfa-5290	206	10	applied	apply	VERB
ajfa-5290	206	11	the	the	DET
ajfa-5290	206	12	logistic	logistic	ADJ
ajfa-5290	206	13	regression	regression	NOUN
ajfa-5290	206	14	model	model	NOUN
ajfa-5290	206	15	to	to	PART
ajfa-5290	206	16	investigate	investigate	VERB
ajfa-5290	206	17	the	the	DET
ajfa-5290	206	18	impacts	impact	NOUN
ajfa-5290	206	19	of	of	ADP
ajfa-5290	206	20	a	a	DET
ajfa-5290	206	21	mfi	mfi	PROPN
ajfa-5290	206	22	in	in	ADP
ajfa-5290	206	23	bangladesh	bangladesh	PROPN
ajfa-5290	206	24	.	.	PUNCT
ajfa-5290	207	1	4	4	X
ajfa-5290	207	2	.	.	X
ajfa-5290	207	3	conclusion	conclusion	NOUN
ajfa-5290	207	4	and	and	CCONJ
ajfa-5290	207	5	recommendations	recommendation	NOUN
ajfa-5290	207	6	this	this	DET
ajfa-5290	207	7	study	study	NOUN
ajfa-5290	207	8	used	use	VERB
ajfa-5290	207	9	the	the	DET
ajfa-5290	207	10	literature	literature	NOUN
ajfa-5290	207	11	review	review	NOUN
ajfa-5290	207	12	to	to	PART
ajfa-5290	207	13	examine	examine	VERB
ajfa-5290	207	14	the	the	DET
ajfa-5290	207	15	variables	variable	NOUN
ajfa-5290	207	16	used	use	VERB
ajfa-5290	207	17	to	to	PART
ajfa-5290	207	18	establish	establish	VERB
ajfa-5290	207	19	relationship	relationship	NOUN
ajfa-5290	207	20	between	between	ADP
ajfa-5290	207	21	the	the	DET
ajfa-5290	207	22	independent	independent	ADJ
ajfa-5290	207	23	and	and	CCONJ
ajfa-5290	207	24	dependent	dependent	ADJ
ajfa-5290	207	25	variables	variable	NOUN
ajfa-5290	207	26	in	in	ADP
ajfa-5290	207	27	saccos	saccos	PROPN
ajfa-5290	207	28	modeling	modeling	NOUN
ajfa-5290	207	29	.	.	PUNCT
ajfa-5290	208	1	the	the	DET
ajfa-5290	208	2	findings	finding	NOUN
ajfa-5290	208	3	reveal	reveal	VERB
ajfa-5290	208	4	asian	asian	ADJ
ajfa-5290	208	5	journal	journal	NOUN
ajfa-5290	208	6	of	of	ADP
ajfa-5290	208	7	finance	finance	PROPN
ajfa-5290	208	8	&	&	CCONJ
ajfa-5290	208	9	accounting	accounting	PROPN
ajfa-5290	208	10	issn	issn	PROPN
ajfa-5290	208	11	1946	1946	NUM
ajfa-5290	208	12	-	-	PUNCT
ajfa-5290	208	13	052x	052x	PROPN
ajfa-5290	208	14	2014	2014	NUM
ajfa-5290	208	15	,	,	PUNCT
ajfa-5290	208	16	vol	vol	NOUN
ajfa-5290	208	17	.	.	PROPN
ajfa-5290	208	18	6	6	NUM
ajfa-5290	208	19	,	,	PUNCT
ajfa-5290	208	20	no	no	INTJ
ajfa-5290	208	21	.	.	NOUN
ajfa-5290	208	22	1	1	NUM
ajfa-5290	208	23	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-5290	208	24	209	209	NUM
ajfa-5290	208	25	that	that	SCONJ
ajfa-5290	208	26	currently	currently	ADV
ajfa-5290	208	27	few	few	ADJ
ajfa-5290	208	28	studies	study	NOUN
ajfa-5290	208	29	are	be	AUX
ajfa-5290	208	30	done	do	VERB
ajfa-5290	208	31	in	in	ADP
ajfa-5290	208	32	tanzania	tanzania	PROPN
ajfa-5290	208	33	and	and	CCONJ
ajfa-5290	208	34	scholars	scholar	NOUN
ajfa-5290	208	35	applied	apply	VERB
ajfa-5290	208	36	mostly	mostly	ADV
ajfa-5290	208	37	the	the	DET
ajfa-5290	208	38	regression	regression	NOUN
ajfa-5290	208	39	models	model	NOUN
ajfa-5290	208	40	.	.	PUNCT
ajfa-5290	209	1	however	however	ADV
ajfa-5290	209	2	,	,	PUNCT
ajfa-5290	209	3	the	the	DET
ajfa-5290	209	4	findings	finding	NOUN
ajfa-5290	209	5	show	show	VERB
ajfa-5290	209	6	that	that	SCONJ
ajfa-5290	209	7	most	most	ADJ
ajfa-5290	209	8	studies	study	NOUN
ajfa-5290	209	9	which	which	PRON
ajfa-5290	209	10	modeled	model	VERB
ajfa-5290	209	11	the	the	DET
ajfa-5290	209	12	saccos	saccos	PROPN
ajfa-5290	209	13	variables	variable	NOUN
ajfa-5290	209	14	were	be	AUX
ajfa-5290	209	15	conducted	conduct	VERB
ajfa-5290	209	16	in	in	ADP
ajfa-5290	209	17	kenya	kenya	PROPN
ajfa-5290	209	18	.	.	PUNCT
ajfa-5290	210	1	the	the	DET
ajfa-5290	210	2	findings	finding	NOUN
ajfa-5290	210	3	further	far	ADV
ajfa-5290	210	4	revealed	reveal	VERB
ajfa-5290	210	5	that	that	SCONJ
ajfa-5290	210	6	most	most	ADJ
ajfa-5290	210	7	scholars	scholar	NOUN
ajfa-5290	210	8	have	have	AUX
ajfa-5290	210	9	empirically	empirically	ADV
ajfa-5290	210	10	studied	study	VERB
ajfa-5290	210	11	the	the	DET
ajfa-5290	210	12	outreach	outreach	NOUN
ajfa-5290	210	13	and	and	CCONJ
ajfa-5290	210	14	sustainability	sustainability	NOUN
ajfa-5290	210	15	of	of	ADP
ajfa-5290	210	16	saccos	sacco	NOUN
ajfa-5290	210	17	compared	compare	VERB
ajfa-5290	210	18	to	to	ADP
ajfa-5290	210	19	other	other	ADJ
ajfa-5290	210	20	topics	topic	NOUN
ajfa-5290	210	21	.	.	PUNCT
ajfa-5290	211	1	the	the	DET
ajfa-5290	211	2	studies	study	NOUN
ajfa-5290	211	3	from	from	ADP
ajfa-5290	211	4	tanzania	tanzania	PROPN
ajfa-5290	211	5	also	also	ADV
ajfa-5290	211	6	show	show	VERB
ajfa-5290	211	7	that	that	SCONJ
ajfa-5290	211	8	most	most	ADJ
ajfa-5290	211	9	of	of	ADP
ajfa-5290	211	10	issues	issue	NOUN
ajfa-5290	211	11	have	have	AUX
ajfa-5290	211	12	not	not	PART
ajfa-5290	211	13	been	be	AUX
ajfa-5290	211	14	addressed	address	VERB
ajfa-5290	211	15	in	in	ADP
ajfa-5290	211	16	the	the	DET
ajfa-5290	211	17	research	research	NOUN
ajfa-5290	211	18	.	.	PUNCT
ajfa-5290	212	1	this	this	DET
ajfa-5290	212	2	article	article	NOUN
ajfa-5290	212	3	recommends	recommend	VERB
ajfa-5290	212	4	that	that	SCONJ
ajfa-5290	212	5	scholars	scholar	NOUN
ajfa-5290	212	6	to	to	PART
ajfa-5290	212	7	assess	assess	VERB
ajfa-5290	212	8	issues	issue	NOUN
ajfa-5290	212	9	which	which	PRON
ajfa-5290	212	10	limit	limit	VERB
ajfa-5290	212	11	the	the	DET
ajfa-5290	212	12	saccos	sacco	NOUN
ajfa-5290	212	13	’	'	PUNCT
ajfa-5290	212	14	performance	performance	NOUN
ajfa-5290	212	15	such	such	ADJ
ajfa-5290	212	16	as	as	ADP
ajfa-5290	212	17	current	current	ADJ
ajfa-5290	212	18	influence	influence	NOUN
ajfa-5290	212	19	of	of	ADP
ajfa-5290	212	20	regulations	regulation	NOUN
ajfa-5290	212	21	in	in	ADP
ajfa-5290	212	22	financial	financial	ADJ
ajfa-5290	212	23	performance	performance	NOUN
ajfa-5290	212	24	of	of	ADP
ajfa-5290	212	25	saccos	sacco	NOUN
ajfa-5290	212	26	,	,	PUNCT
ajfa-5290	212	27	the	the	DET
ajfa-5290	212	28	effectiveness	effectiveness	NOUN
ajfa-5290	212	29	of	of	ADP
ajfa-5290	212	30	the	the	DET
ajfa-5290	212	31	credits	credit	NOUN
ajfa-5290	212	32	risk	risk	NOUN
ajfa-5290	212	33	management	management	NOUN
ajfa-5290	212	34	and	and	CCONJ
ajfa-5290	212	35	efficiency	efficiency	NOUN
ajfa-5290	212	36	of	of	ADP
ajfa-5290	212	37	saccos	sacco	NOUN
ajfa-5290	212	38	in	in	ADP
ajfa-5290	212	39	all	all	DET
ajfa-5290	212	40	zones	zone	NOUN
ajfa-5290	212	41	of	of	ADP
ajfa-5290	212	42	tanzania	tanzania	PROPN
ajfa-5290	212	43	.	.	PUNCT
ajfa-5290	213	1	also	also	ADV
ajfa-5290	213	2	i	i	PRON
ajfa-5290	213	3	recommend	recommend	VERB
ajfa-5290	213	4	that	that	SCONJ
ajfa-5290	213	5	scholars	scholar	NOUN
ajfa-5290	213	6	should	should	AUX
ajfa-5290	213	7	design	design	VERB
ajfa-5290	213	8	research	research	NOUN
ajfa-5290	213	9	to	to	PART
ajfa-5290	213	10	assess	assess	VERB
ajfa-5290	213	11	the	the	DET
ajfa-5290	213	12	factors	factor	NOUN
ajfa-5290	213	13	affecting	affect	VERB
ajfa-5290	213	14	the	the	DET
ajfa-5290	213	15	saccos	sacco	NOUN
ajfa-5290	213	16	’	'	PUNCT
ajfa-5290	213	17	business	business	NOUN
ajfa-5290	213	18	performance	performance	NOUN
ajfa-5290	213	19	,	,	PUNCT
ajfa-5290	213	20	compare	compare	VERB
ajfa-5290	213	21	the	the	DET
ajfa-5290	213	22	performance	performance	NOUN
ajfa-5290	213	23	of	of	ADP
ajfa-5290	213	24	rural	rural	ADJ
ajfa-5290	213	25	and	and	CCONJ
ajfa-5290	213	26	urban	urban	ADJ
ajfa-5290	213	27	saccos	saccos	PROPN
ajfa-5290	213	28	,	,	PUNCT
ajfa-5290	213	29	farmers	farmer	NOUN
ajfa-5290	213	30	’	'	PUNCT
ajfa-5290	213	31	and	and	CCONJ
ajfa-5290	213	32	workers	worker	NOUN
ajfa-5290	213	33	saccos	saccos	PROPN
ajfa-5290	213	34	and	and	CCONJ
ajfa-5290	213	35	saccos	saccos	PROPN
ajfa-5290	213	36	and	and	CCONJ
ajfa-5290	213	37	village	village	NOUN
ajfa-5290	213	38	banks	bank	NOUN
ajfa-5290	213	39	or	or	CCONJ
ajfa-5290	213	40	other	other	ADJ
ajfa-5290	213	41	rotational	rotational	ADJ
ajfa-5290	213	42	funds	fund	NOUN
ajfa-5290	213	43	.	.	PUNCT
ajfa-5290	214	1	moreover	moreover	ADV
ajfa-5290	214	2	,	,	PUNCT
ajfa-5290	214	3	i	i	PRON
ajfa-5290	214	4	recommend	recommend	VERB
ajfa-5290	214	5	scholars	scholar	NOUN
ajfa-5290	214	6	to	to	PART
ajfa-5290	214	7	study	study	VERB
ajfa-5290	214	8	econometrics	econometric	NOUN
ajfa-5290	214	9	so	so	SCONJ
ajfa-5290	214	10	that	that	SCONJ
ajfa-5290	214	11	they	they	PRON
ajfa-5290	214	12	might	might	AUX
ajfa-5290	214	13	gain	gain	VERB
ajfa-5290	214	14	more	more	ADJ
ajfa-5290	214	15	skills	skill	NOUN
ajfa-5290	214	16	which	which	PRON
ajfa-5290	214	17	will	will	AUX
ajfa-5290	214	18	help	help	VERB
ajfa-5290	214	19	them	they	PRON
ajfa-5290	214	20	to	to	PART
ajfa-5290	214	21	model	model	VERB
ajfa-5290	214	22	the	the	DET
ajfa-5290	214	23	saccos	sacco	NOUN
ajfa-5290	214	24	’	'	PUNCT
ajfa-5290	214	25	and	and	CCONJ
ajfa-5290	214	26	mfis	mfis	VERB
ajfa-5290	214	27	variables	variable	NOUN
ajfa-5290	214	28	in	in	ADP
ajfa-5290	214	29	tanzania	tanzania	PROPN
ajfa-5290	214	30	and	and	CCONJ
ajfa-5290	214	31	in	in	ADP
ajfa-5290	214	32	other	other	ADJ
ajfa-5290	214	33	countries	country	NOUN
ajfa-5290	214	34	.	.	PUNCT
ajfa-5290	215	1	references	reference	NOUN
ajfa-5290	215	2	abdou	abdou	PROPN
ajfa-5290	215	3	,	,	PUNCT
ajfa-5290	215	4	h.	h.	PROPN
ajfa-5290	215	5	&	&	CCONJ
ajfa-5290	215	6	pointon	pointon	PROPN
ajfa-5290	215	7	,	,	PUNCT
ajfa-5290	215	8	j.	j.	PROPN
ajfa-5290	215	9	(	(	PUNCT
ajfa-5290	215	10	2011	2011	NUM
ajfa-5290	215	11	)	)	PUNCT
ajfa-5290	215	12	.	.	PUNCT
ajfa-5290	216	1	credit	credit	NOUN
ajfa-5290	216	2	scoring	scoring	NOUN
ajfa-5290	216	3	,	,	PUNCT
ajfa-5290	216	4	statistical	statistical	ADJ
ajfa-5290	216	5	techniques	technique	NOUN
ajfa-5290	216	6	and	and	CCONJ
ajfa-5290	216	7	evaluation	evaluation	NOUN
ajfa-5290	216	8	criteria	criterion	NOUN
ajfa-5290	216	9	:	:	PUNCT
ajfa-5290	216	10	a	a	DET
ajfa-5290	216	11	review	review	NOUN
ajfa-5290	216	12	of	of	ADP
ajfa-5290	216	13	the	the	DET
ajfa-5290	216	14	literature	literature	NOUN
ajfa-5290	216	15	.	.	PUNCT
ajfa-5290	217	1	intelligent	intelligent	ADJ
ajfa-5290	217	2	systems	system	NOUN
ajfa-5290	217	3	in	in	ADP
ajfa-5290	217	4	accounting	accounting	NOUN
ajfa-5290	217	5	,	,	PUNCT
ajfa-5290	217	6	finance	finance	NOUN
ajfa-5290	217	7	and	and	CCONJ
ajfa-5290	217	8	management	management	NOUN
ajfa-5290	217	9	,	,	PUNCT
ajfa-5290	217	10	18	18	NUM
ajfa-5290	217	11	(	(	PUNCT
ajfa-5290	217	12	2	2	NUM
ajfa-5290	217	13	-	-	SYM
ajfa-5290	217	14	3	3	NUM
ajfa-5290	217	15	)	)	PUNCT
ajfa-5290	217	16	,	,	PUNCT
ajfa-5290	217	17	59	59	NUM
ajfa-5290	217	18	-	-	SYM
ajfa-5290	217	19	88	88	NUM
ajfa-5290	217	20	.	.	PUNCT
ajfa-5290	218	1	http://dx.doi.org/10.1002/isaf.325	http://dx.doi.org/10.1002/isaf.325	PROPN
ajfa-5290	218	2	.	.	PUNCT
ajfa-5290	219	1	achou	achou	PROPN
ajfa-5290	219	2	,	,	PUNCT
ajfa-5290	219	3	t.	t.	PROPN
ajfa-5290	219	4	f.	f.	PROPN
ajfa-5290	219	5	&	&	CCONJ
ajfa-5290	219	6	tenguh	tenguh	PROPN
ajfa-5290	219	7	,	,	PUNCT
ajfa-5290	219	8	n.	n.	PROPN
ajfa-5290	219	9	c.	c.	PROPN
ajfa-5290	219	10	(	(	PUNCT
ajfa-5290	219	11	2008	2008	NUM
ajfa-5290	219	12	)	)	PUNCT
ajfa-5290	219	13	.	.	PUNCT
ajfa-5290	220	1	bank	bank	NOUN
ajfa-5290	220	2	performance	performance	NOUN
ajfa-5290	220	3	and	and	CCONJ
ajfa-5290	220	4	credit	credit	NOUN
ajfa-5290	220	5	risk	risk	NOUN
ajfa-5290	220	6	management	management	NOUN
ajfa-5290	220	7	.	.	PUNCT
ajfa-5290	221	1	unpublished	unpublished	ADJ
ajfa-5290	221	2	report	report	NOUN
ajfa-5290	221	3	of	of	ADP
ajfa-5290	221	4	master	master	NOUN
ajfa-5290	221	5	degree	degree	NOUN
ajfa-5290	221	6	project	project	NOUN
ajfa-5290	221	7	in	in	ADP
ajfa-5290	221	8	finance	finance	NOUN
ajfa-5290	221	9	,	,	PUNCT
ajfa-5290	221	10	university	university	NOUN
ajfa-5290	221	11	of	of	ADP
ajfa-5290	221	12	skövde	skövde	PROPN
ajfa-5290	221	13	.	.	PUNCT
ajfa-5290	222	1	acquah	acquah	PROPN
ajfa-5290	222	2	,	,	PUNCT
ajfa-5290	222	3	h.d	h.d	PROPN
ajfa-5290	222	4	.	.	PROPN
ajfa-5290	222	5	&	&	CCONJ
ajfa-5290	222	6	j.	j.	PROPN
ajfa-5290	222	7	addo	addo	PROPN
ajfa-5290	222	8	,	,	PUNCT
ajfa-5290	222	9	j.	j.	PROPN
ajfa-5290	222	10	(	(	PUNCT
ajfa-5290	222	11	2011	2011	NUM
ajfa-5290	222	12	)	)	PUNCT
ajfa-5290	222	13	.	.	PUNCT
ajfa-5290	223	1	determinants	determinant	NOUN
ajfa-5290	223	2	of	of	ADP
ajfa-5290	223	3	loan	loan	NOUN
ajfa-5290	223	4	repayment	repayment	NOUN
ajfa-5290	223	5	performance	performance	NOUN
ajfa-5290	223	6	of	of	ADP
ajfa-5290	223	7	fishermen	fisherman	NOUN
ajfa-5290	223	8	:	:	PUNCT
ajfa-5290	223	9	empirical	empirical	ADJ
ajfa-5290	223	10	evidence	evidence	NOUN
ajfa-5290	223	11	from	from	ADP
ajfa-5290	223	12	ghana	ghana	PROPN
ajfa-5290	223	13	.	.	PUNCT
ajfa-5290	224	1	cercetări	cercetări	PROPN
ajfa-5290	224	2	agronomice	agronomice	PROPN
ajfa-5290	224	3	în	în	PROPN
ajfa-5290	224	4	moldova	moldova	PROPN
ajfa-5290	224	5	xliv	xliv	PROPN
ajfa-5290	224	6	,	,	PUNCT
ajfa-5290	224	7	4(148	4(148	PROPN
ajfa-5290	224	8	)	)	PUNCT
ajfa-5290	224	9	,	,	PUNCT
ajfa-5290	224	10	89	89	NUM
ajfa-5290	224	11	-	-	SYM
ajfa-5290	224	12	97	97	NUM
ajfa-5290	224	13	.	.	PUNCT
ajfa-5290	225	1	ahimbisibwe	ahimbisibwe	PROPN
ajfa-5290	225	2	,	,	PUNCT
ajfa-5290	225	3	f.	f.	PROPN
ajfa-5290	225	4	(	(	PUNCT
ajfa-5290	225	5	2007	2007	NUM
ajfa-5290	225	6	)	)	PUNCT
ajfa-5290	225	7	.	.	PUNCT
ajfa-5290	226	1	the	the	DET
ajfa-5290	226	2	effects	effect	NOUN
ajfa-5290	226	3	of	of	ADP
ajfa-5290	226	4	savings	saving	NOUN
ajfa-5290	226	5	and	and	CCONJ
ajfa-5290	226	6	credit	credit	NOUN
ajfa-5290	226	7	co	co	NOUN
ajfa-5290	226	8	-	-	NOUN
ajfa-5290	226	9	operatives	operative	NOUN
ajfa-5290	226	10	(	(	PUNCT
ajfa-5290	226	11	saccos	saccos	PROPN
ajfa-5290	226	12	)	)	PUNCT
ajfa-5290	226	13	on	on	ADP
ajfa-5290	226	14	members	member	NOUN
ajfa-5290	226	15	’	'	PUNCT
ajfa-5290	226	16	saving	save	VERB
ajfa-5290	226	17	culture	culture	NOUN
ajfa-5290	226	18	case	case	NOUN
ajfa-5290	226	19	study	study	NOUN
ajfa-5290	226	20	:	:	PUNCT
ajfa-5290	226	21	ntungamo	ntungamo	NOUN
ajfa-5290	226	22	district	district	NOUN
ajfa-5290	226	23	.	.	PUNCT
ajfa-5290	227	1	cooperatives	cooperative	NOUN
ajfa-5290	227	2	development	development	PROPN
ajfa-5290	227	3	department	department	PROPN
ajfa-5290	227	4	ministry	ministry	PROPN
ajfa-5290	227	5	of	of	ADP
ajfa-5290	227	6	tourism	tourism	PROPN
ajfa-5290	227	7	,	,	PUNCT
ajfa-5290	227	8	trade	trade	NOUN
ajfa-5290	227	9	and	and	CCONJ
ajfa-5290	227	10	industry	industry	NOUN
ajfa-5290	227	11	,	,	PUNCT
ajfa-5290	227	12	uganda	uganda	PROPN
ajfa-5290	227	13	.	.	PUNCT
ajfa-5290	228	1	auka	auka	PROPN
ajfa-5290	228	2	,	,	PUNCT
ajfa-5290	228	3	d.	d.	PROPN
ajfa-5290	228	4	o.	o.	PROPN
ajfa-5290	228	5	&	&	CCONJ
ajfa-5290	228	6	mwangi	mwangi	PROPN
ajfa-5290	228	7	,	,	PUNCT
ajfa-5290	228	8	j.	j.	PROPN
ajfa-5290	228	9	k.	k.	PROPN
ajfa-5290	228	10	(	(	PUNCT
ajfa-5290	228	11	2013	2013	NUM
ajfa-5290	228	12	)	)	PUNCT
ajfa-5290	228	13	.	.	PUNCT
ajfa-5290	229	1	factors	factor	NOUN
ajfa-5290	229	2	influencing	influence	VERB
ajfa-5290	229	3	sacco	sacco	NOUN
ajfa-5290	229	4	members	member	NOUN
ajfa-5290	229	5	to	to	PART
ajfa-5290	229	6	seek	seek	VERB
ajfa-5290	229	7	services	service	NOUN
ajfa-5290	229	8	of	of	ADP
ajfa-5290	229	9	other	other	ADJ
ajfa-5290	229	10	financial	financial	ADJ
ajfa-5290	229	11	service	service	NOUN
ajfa-5290	229	12	providers	provider	NOUN
ajfa-5290	229	13	in	in	ADP
ajfa-5290	229	14	kenya	kenya	PROPN
ajfa-5290	229	15	.	.	PUNCT
ajfa-5290	230	1	international	international	ADJ
ajfa-5290	230	2	review	review	NOUN
ajfa-5290	230	3	of	of	ADP
ajfa-5290	230	4	management	management	NOUN
ajfa-5290	230	5	and	and	CCONJ
ajfa-5290	230	6	business	business	NOUN
ajfa-5290	230	7	research	research	NOUN
ajfa-5290	230	8	,	,	PUNCT
ajfa-5290	230	9	2(2	2(2	NUM
ajfa-5290	230	10	)	)	PUNCT
ajfa-5290	230	11	,	,	PUNCT
ajfa-5290	230	12	610	610	NUM
ajfa-5290	230	13	-	-	SYM
ajfa-5290	230	14	626	626	NUM
ajfa-5290	230	15	.	.	PUNCT
ajfa-5290	231	1	awotide	awotide	ADJ
ajfa-5290	231	2	,	,	PUNCT
ajfa-5290	231	3	d.o	d.o	PROPN
ajfa-5290	231	4	.	.	PROPN
ajfa-5290	231	5	,aihonsu	,aihonsu	PUNCT
ajfa-5290	231	6	j.o.y	j.o.y	PROPN
ajfa-5290	231	7	.	.	PROPN
ajfa-5290	231	8	&	&	CCONJ
ajfa-5290	231	9	adekoya	adekoya	PROPN
ajfa-5290	231	10	a.h	a.h	PROPN
ajfa-5290	231	11	.	.	PROPN
ajfa-5290	231	12	(	(	PUNCT
ajfa-5290	231	13	n.d	n.d	PROPN
ajfa-5290	231	14	)	)	PUNCT
ajfa-5290	231	15	.	.	PUNCT
ajfa-5290	232	1	cooperative	cooperative	ADJ
ajfa-5290	232	2	societies	society	NOUN
ajfa-5290	232	3	’	'	PUNCT
ajfa-5290	232	4	effectiveness	effectiveness	NOUN
ajfa-5290	232	5	in	in	ADP
ajfa-5290	232	6	credit	credit	NOUN
ajfa-5290	232	7	delivery	delivery	NOUN
ajfa-5290	232	8	for	for	ADP
ajfa-5290	232	9	agricultural	agricultural	ADJ
ajfa-5290	232	10	enterprises	enterprise	NOUN
ajfa-5290	232	11	in	in	ADP
ajfa-5290	232	12	ogun	ogun	PROPN
ajfa-5290	232	13	state	state	PROPN
ajfa-5290	232	14	,	,	PUNCT
ajfa-5290	232	15	southwest	southwest	PROPN
ajfa-5290	232	16	nigeria	nigeria	PROPN
ajfa-5290	232	17	.	.	PUNCT
ajfa-5290	233	1	asian	asian	ADJ
ajfa-5290	233	2	journal	journal	PROPN
ajfa-5290	233	3	of	of	ADP
ajfa-5290	233	4	business	business	NOUN
ajfa-5290	233	5	and	and	CCONJ
ajfa-5290	233	6	management	management	NOUN
ajfa-5290	233	7	sciences	science	NOUN
ajfa-5290	233	8	,	,	PUNCT
ajfa-5290	233	9	2(3	2(3	NUM
ajfa-5290	233	10	)	)	PUNCT
ajfa-5290	233	11	,	,	PUNCT
ajfa-5290	233	12	74	74	NUM
ajfa-5290	233	13	-	-	SYM
ajfa-5290	233	14	79	79	NUM
ajfa-5290	233	15	.	.	PUNCT
ajfa-5290	234	1	bwana	bwana	PROPN
ajfa-5290	234	2	,	,	PUNCT
ajfa-5290	234	3	k.m	k.m	PROPN
ajfa-5290	234	4	.	.	PROPN
ajfa-5290	234	5	&	&	CCONJ
ajfa-5290	234	6	mwakujonga	mwakujonga	PROPN
ajfa-5290	234	7	,	,	PUNCT
ajfa-5290	234	8	j.	j.	PROPN
ajfa-5290	234	9	(	(	PUNCT
ajfa-5290	234	10	2013	2013	NUM
ajfa-5290	234	11	)	)	PUNCT
ajfa-5290	234	12	.	.	PUNCT
ajfa-5290	235	1	issues	issue	NOUN
ajfa-5290	235	2	in	in	ADP
ajfa-5290	235	3	saccos	saccos	PROPN
ajfa-5290	235	4	development	development	PROPN
ajfa-5290	235	5	in	in	ADP
ajfa-5290	235	6	kenya	kenya	PROPN
ajfa-5290	235	7	and	and	CCONJ
ajfa-5290	235	8	tanzania	tanzania	PROPN
ajfa-5290	235	9	:	:	PUNCT
ajfa-5290	235	10	the	the	DET
ajfa-5290	235	11	historical	historical	ADJ
ajfa-5290	235	12	and	and	CCONJ
ajfa-5290	235	13	development	development	NOUN
ajfa-5290	235	14	perspectives	perspective	NOUN
ajfa-5290	235	15	.	.	PUNCT
ajfa-5290	236	1	developing	develop	VERB
ajfa-5290	236	2	country	country	NOUN
ajfa-5290	236	3	studies	study	NOUN
ajfa-5290	236	4	,	,	PUNCT
ajfa-5290	236	5	3(5	3(5	NUM
ajfa-5290	236	6	)	)	PUNCT
ajfa-5290	236	7	,	,	PUNCT
ajfa-5290	236	8	114	114	NUM
ajfa-5290	236	9	-	-	SYM
ajfa-5290	236	10	121	121	NUM
ajfa-5290	236	11	.	.	PUNCT
ajfa-5290	237	1	castagnolo	castagnolo	PROPN
ajfa-5290	237	2	,	,	PUNCT
ajfa-5290	237	3	f.	f.	PROPN
ajfa-5290	237	4	&	&	CCONJ
ajfa-5290	237	5	ferro	ferro	PROPN
ajfa-5290	237	6	,	,	PUNCT
ajfa-5290	237	7	g.	g.	PROPN
ajfa-5290	237	8	(	(	PUNCT
ajfa-5290	237	9	2014	2014	NUM
ajfa-5290	237	10	)	)	PUNCT
ajfa-5290	237	11	.	.	PUNCT
ajfa-5290	238	1	models	model	NOUN
ajfa-5290	238	2	for	for	ADP
ajfa-5290	238	3	predicting	predict	VERB
ajfa-5290	238	4	default	default	NOUN
ajfa-5290	238	5	:	:	PUNCT
ajfa-5290	238	6	towards	towards	ADP
ajfa-5290	238	7	efficient	efficient	ADJ
ajfa-5290	238	8	forecasts	forecast	NOUN
ajfa-5290	238	9	.	.	PUNCT
ajfa-5290	239	1	the	the	DET
ajfa-5290	239	2	journal	journal	NOUN
ajfa-5290	239	3	of	of	ADP
ajfa-5290	239	4	risk	risk	NOUN
ajfa-5290	239	5	finance	finance	NOUN
ajfa-5290	239	6	,	,	PUNCT
ajfa-5290	239	7	15(1	15(1	NUM
ajfa-5290	239	8	)	)	PUNCT
ajfa-5290	239	9	,	,	PUNCT
ajfa-5290	239	10	52	52	NUM
ajfa-5290	239	11	-	-	SYM
ajfa-5290	239	12	70	70	NUM
ajfa-5290	239	13	.	.	PUNCT
ajfa-5290	240	1	http://dx.doi.org/	http://dx.doi.org/	DET
ajfa-5290	240	2	10.1108	10.1108	NUM
ajfa-5290	240	3	/	/	SYM
ajfa-5290	240	4	jrf-08	jrf-08	NOUN
ajfa-5290	240	5	-	-	PUNCT
ajfa-5290	240	6	2013	2013	NUM
ajfa-5290	240	7	-	-	PUNCT
ajfa-5290	240	8	0057	0057	NUM
ajfa-5290	240	9	.	.	PUNCT
ajfa-5290	241	1	asian	asian	ADJ
ajfa-5290	241	2	journal	journal	PROPN
ajfa-5290	241	3	of	of	ADP
ajfa-5290	241	4	finance	finance	PROPN
ajfa-5290	241	5	&	&	CCONJ
ajfa-5290	241	6	accounting	accounting	PROPN
ajfa-5290	241	7	issn	issn	PROPN
ajfa-5290	241	8	1946	1946	NUM
ajfa-5290	241	9	-	-	PUNCT
ajfa-5290	241	10	052x	052x	PROPN
ajfa-5290	241	11	2014	2014	NUM
ajfa-5290	241	12	,	,	PUNCT
ajfa-5290	241	13	vol	vol	NOUN
ajfa-5290	241	14	.	.	PROPN
ajfa-5290	242	1	6	6	NUM
ajfa-5290	242	2	,	,	PUNCT
ajfa-5290	242	3	no	no	INTJ
ajfa-5290	242	4	.	.	NOUN
ajfa-5290	242	5	1	1	NUM
ajfa-5290	242	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-5290	242	7	210	210	NUM
ajfa-5290	242	8	chahayo	chahayo	VERB
ajfa-5290	242	9	,	,	PUNCT
ajfa-5290	242	10	s.	s.	PROPN
ajfa-5290	242	11	a.	a.	PROPN
ajfa-5290	242	12	,	,	PUNCT
ajfa-5290	242	13	bureti	bureti	PROPN
ajfa-5290	242	14	,	,	PUNCT
ajfa-5290	242	15	f.	f.	PROPN
ajfa-5290	242	16	,	,	PUNCT
ajfa-5290	242	17	juma	juma	PROPN
ajfa-5290	242	18	,	,	PUNCT
ajfa-5290	242	19	maende	maende	ADJ
ajfa-5290	242	20	,	,	PUNCT
ajfa-5290	242	21	c.	c.	PROPN
ajfa-5290	242	22	m.	m.	PROPN
ajfa-5290	242	23	,	,	PUNCT
ajfa-5290	242	24	douglas	douglas	PROPN
ajfa-5290	242	25	,	,	PUNCT
ajfa-5290	242	26	m.	m.	PROPN
ajfa-5290	242	27	&	&	CCONJ
ajfa-5290	242	28	aketch	aketch	PROPN
ajfa-5290	242	29	r.	r.	PROPN
ajfa-5290	242	30	a.	a.	PROPN
ajfa-5290	242	31	(	(	PUNCT
ajfa-5290	242	32	2013	2013	NUM
ajfa-5290	242	33	)	)	PUNCT
ajfa-5290	242	34	.	.	PUNCT
ajfa-5290	243	1	analysis	analysis	NOUN
ajfa-5290	243	2	of	of	ADP
ajfa-5290	243	3	financial	financial	ADJ
ajfa-5290	243	4	mismatch	mismatch	NOUN
ajfa-5290	243	5	in	in	ADP
ajfa-5290	243	6	co	co	ADJ
ajfa-5290	243	7	-	-	ADJ
ajfa-5290	243	8	operative	operative	ADJ
ajfa-5290	243	9	societies	society	NOUN
ajfa-5290	243	10	:	:	PUNCT
ajfa-5290	243	11	a	a	DET
ajfa-5290	243	12	case	case	NOUN
ajfa-5290	243	13	of	of	ADP
ajfa-5290	243	14	kakamega	kakamega	PROPN
ajfa-5290	243	15	county	county	PROPN
ajfa-5290	243	16	,	,	PUNCT
ajfa-5290	243	17	kenya	kenya	PROPN
ajfa-5290	243	18	”	"	PUNCT
ajfa-5290	243	19	.	.	PUNCT
ajfa-5290	244	1	international	international	ADJ
ajfa-5290	244	2	journal	journal	PROPN
ajfa-5290	244	3	for	for	ADP
ajfa-5290	244	4	management	management	NOUN
ajfa-5290	244	5	science	science	NOUN
ajfa-5290	244	6	and	and	CCONJ
ajfa-5290	244	7	technology	technology	NOUN
ajfa-5290	244	8	,	,	PUNCT
ajfa-5290	244	9	1(5	1(5	NUM
ajfa-5290	244	10	)	)	PUNCT
ajfa-5290	244	11	,	,	PUNCT
ajfa-5290	244	12	1	1	NUM
ajfa-5290	244	13	-	-	SYM
ajfa-5290	244	14	29	29	NUM
ajfa-5290	244	15	.	.	PUNCT
ajfa-5290	245	1	chijoriga	chijoriga	PROPN
ajfa-5290	245	2	,	,	PUNCT
ajfa-5290	245	3	m.m	m.m	PROPN
ajfa-5290	245	4	.	.	PROPN
ajfa-5290	245	5	(	(	PUNCT
ajfa-5290	245	6	2011	2011	NUM
ajfa-5290	245	7	)	)	PUNCT
ajfa-5290	245	8	.	.	PUNCT
ajfa-5290	246	1	application	application	NOUN
ajfa-5290	246	2	of	of	ADP
ajfa-5290	246	3	multiple	multiple	ADJ
ajfa-5290	246	4	discriminant	discriminant	ADJ
ajfa-5290	246	5	analysis	analysis	NOUN
ajfa-5290	246	6	(	(	PUNCT
ajfa-5290	246	7	mda	mda	PROPN
ajfa-5290	246	8	)	)	PUNCT
ajfa-5290	246	9	as	as	ADP
ajfa-5290	246	10	a	a	DET
ajfa-5290	246	11	credit	credit	NOUN
ajfa-5290	246	12	scoring	scoring	NOUN
ajfa-5290	246	13	and	and	CCONJ
ajfa-5290	246	14	risk	risk	NOUN
ajfa-5290	246	15	assessment	assessment	NOUN
ajfa-5290	246	16	model	model	NOUN
ajfa-5290	246	17	.	.	PUNCT
ajfa-5290	247	1	international	international	ADJ
ajfa-5290	247	2	journal	journal	NOUN
ajfa-5290	247	3	of	of	ADP
ajfa-5290	247	4	emerging	emerge	VERB
ajfa-5290	247	5	markets	market	NOUN
ajfa-5290	247	6	,	,	PUNCT
ajfa-5290	247	7	6(2	6(2	NUM
ajfa-5290	247	8	)	)	PUNCT
ajfa-5290	247	9	,	,	PUNCT
ajfa-5290	247	10	132	132	NUM
ajfa-5290	247	11	-	-	SYM
ajfa-5290	247	12	147	147	NUM
ajfa-5290	247	13	.	.	PUNCT
ajfa-5290	248	1	http://dx.doi.org/	http://dx.doi.org/	PROPN
ajfa-5290	248	2	10.1108/17468801111119498	10.1108/17468801111119498	PROPN
ajfa-5290	248	3	.	.	PUNCT
ajfa-5290	249	1	chris	chris	PROPN
ajfa-5290	249	2	d.	d.	PROPN
ajfa-5290	249	3	&	&	CCONJ
ajfa-5290	249	4	gingrich	gingrich	PROPN
ajfa-5290	249	5	(	(	PUNCT
ajfa-5290	249	6	n.d	n.d	PROPN
ajfa-5290	249	7	)	)	PUNCT
ajfa-5290	249	8	.	.	PUNCT
ajfa-5290	250	1	community	community	NOUN
ajfa-5290	250	2	-	-	PUNCT
ajfa-5290	250	3	based	base	VERB
ajfa-5290	250	4	savings	saving	NOUN
ajfa-5290	250	5	and	and	CCONJ
ajfa-5290	250	6	credit	credit	NOUN
ajfa-5290	250	7	cooperatives	cooperative	NOUN
ajfa-5290	250	8	in	in	ADP
ajfa-5290	250	9	nepal	nepal	ADJ
ajfa-5290	250	10	:	:	PUNCT
ajfa-5290	250	11	a	a	DET
ajfa-5290	250	12	sustainable	sustainable	ADJ
ajfa-5290	250	13	means	mean	NOUN
ajfa-5290	250	14	for	for	ADP
ajfa-5290	250	15	microfinance	microfinance	NOUN
ajfa-5290	250	16	delivery	delivery	NOUN
ajfa-5290	250	17	?	?	PUNCT
ajfa-5290	251	1	journal	journal	NOUN
ajfa-5290	251	2	of	of	ADP
ajfa-5290	251	3	microfinance	microfinance	NOUN
ajfa-5290	251	4	,	,	PUNCT
ajfa-5290	251	5	6(1	6(1	NUM
ajfa-5290	251	6	)	)	PUNCT
ajfa-5290	251	7	,	,	PUNCT
ajfa-5290	251	8	21	21	NUM
ajfa-5290	251	9	-	-	SYM
ajfa-5290	251	10	39	39	NUM
ajfa-5290	251	11	.	.	PUNCT
ajfa-5290	252	1	clock	clock	NOUN
ajfa-5290	252	2	backward	backward	ADV
ajfa-5290	252	3	(	(	PUNCT
ajfa-5290	252	4	2009	2009	NUM
ajfa-5290	252	5	)	)	PUNCT
ajfa-5290	252	6	.	.	PUNCT
ajfa-5290	253	1	ordinary	ordinary	ADJ
ajfa-5290	253	2	least	least	ADJ
ajfa-5290	253	3	squares	square	NOUN
ajfa-5290	253	4	linear	linear	PROPN
ajfa-5290	253	5	regression	regression	NOUN
ajfa-5290	253	6	:	:	PUNCT
ajfa-5290	253	7	flaws	flaw	NOUN
ajfa-5290	253	8	,	,	PUNCT
ajfa-5290	253	9	problems	problem	NOUN
ajfa-5290	253	10	and	and	CCONJ
ajfa-5290	253	11	pitfalls	pitfall	NOUN
ajfa-5290	253	12	.	.	PUNCT
ajfa-5290	254	1	available	available	ADJ
ajfa-5290	254	2	online	online	ADV
ajfa-5290	254	3	at	at	ADP
ajfa-5290	254	4	http://www.clockbackward.com/2009/06/18/ordinary-least-squares-linear-regression-flaws-pr	http://www.clockbackward.com/2009/06/18/ordinary-least-squares-linear-regression-flaws-pr	PROPN
ajfa-5290	254	5	oblems	oblem	NOUN
ajfa-5290	254	6	-	-	PUNCT
ajfa-5290	254	7	and	and	CCONJ
ajfa-5290	254	8	-	-	PUNCT
ajfa-5290	254	9	pitfalls/	pitfalls/	NUM
ajfa-5290	254	10	(	(	PUNCT
ajfa-5290	254	11	february	february	NOUN
ajfa-5290	254	12	02	02	NUM
ajfa-5290	254	13	,	,	PUNCT
ajfa-5290	254	14	2014	2014	NUM
ajfa-5290	254	15	)	)	PUNCT
ajfa-5290	254	16	dong	dong	PROPN
ajfa-5290	254	17	,	,	PUNCT
ajfa-5290	254	18	f.	f.	PROPN
ajfa-5290	254	19	&	&	CCONJ
ajfa-5290	254	20	featherstone	featherstone	PROPN
ajfa-5290	254	21	,	,	PUNCT
ajfa-5290	254	22	a.	a.	PROPN
ajfa-5290	254	23	(	(	PUNCT
ajfa-5290	254	24	2004	2004	NUM
ajfa-5290	254	25	)	)	PUNCT
ajfa-5290	254	26	.	.	PUNCT
ajfa-5290	255	1	technical	technical	ADJ
ajfa-5290	255	2	and	and	CCONJ
ajfa-5290	255	3	scale	scale	NOUN
ajfa-5290	255	4	efficiencies	efficiency	NOUN
ajfa-5290	255	5	for	for	ADP
ajfa-5290	255	6	chinese	chinese	ADJ
ajfa-5290	255	7	rural	rural	ADJ
ajfa-5290	255	8	credit	credit	NOUN
ajfa-5290	255	9	cooperatives	cooperative	NOUN
ajfa-5290	255	10	:	:	PUNCT
ajfa-5290	255	11	a	a	DET
ajfa-5290	255	12	bootstrapping	bootstrappe	VERB
ajfa-5290	255	13	approach	approach	NOUN
ajfa-5290	255	14	in	in	ADP
ajfa-5290	255	15	data	datum	NOUN
ajfa-5290	255	16	envelopment	envelopment	ADJ
ajfa-5290	255	17	analysis	analysis	NOUN
ajfa-5290	255	18	.	.	PUNCT
ajfa-5290	256	1	working	work	VERB
ajfa-5290	256	2	paper	paper	NOUN
ajfa-5290	256	3	04	04	NUM
ajfa-5290	256	4	-	-	PUNCT
ajfa-5290	256	5	wp	wp	NOUN
ajfa-5290	256	6	366	366	NUM
ajfa-5290	256	7	,	,	PUNCT
ajfa-5290	256	8	center	center	NOUN
ajfa-5290	256	9	for	for	ADP
ajfa-5290	256	10	agricultural	agricultural	ADJ
ajfa-5290	256	11	and	and	CCONJ
ajfa-5290	256	12	rural	rural	ADJ
ajfa-5290	256	13	development	development	NOUN
ajfa-5290	256	14	,	,	PUNCT
ajfa-5290	256	15	iowa	iowa	PROPN
ajfa-5290	256	16	state	state	PROPN
ajfa-5290	256	17	university	university	PROPN
ajfa-5290	256	18	.	.	PUNCT
ajfa-5290	257	1	doreitnera	doreitnera	PROPN
ajfa-5290	257	2	,	,	PUNCT
ajfa-5290	257	3	g.	g.	PROPN
ajfa-5290	257	4	&	&	CCONJ
ajfa-5290	257	5	pribernya	pribernya	PROPN
ajfa-5290	257	6	,	,	PUNCT
ajfa-5290	257	7	c.	c.	PROPN
ajfa-5290	257	8	(	(	PUNCT
ajfa-5290	257	9	2011	2011	NUM
ajfa-5290	257	10	)	)	PUNCT
ajfa-5290	257	11	.	.	PUNCT
ajfa-5290	258	1	a	a	DET
ajfa-5290	258	2	quantitative	quantitative	ADJ
ajfa-5290	258	3	model	model	NOUN
ajfa-5290	258	4	for	for	ADP
ajfa-5290	258	5	structured	structured	ADJ
ajfa-5290	258	6	microfinance	microfinance	NOUN
ajfa-5290	258	7	.	.	PUNCT
ajfa-5290	259	1	preprint	preprint	NOUN
ajfa-5290	259	2	submitted	submit	VERB
ajfa-5290	259	3	to	to	ADP
ajfa-5290	259	4	2nd	2nd	ADJ
ajfa-5290	259	5	european	european	PROPN
ajfa-5290	259	6	research	research	NOUN
ajfa-5290	259	7	conference	conference	NOUN
ajfa-5290	259	8	on	on	ADP
ajfa-5290	259	9	microfinance	microfinance	NOUN
ajfa-5290	259	10	march	march	PROPN
ajfa-5290	259	11	16	16	NUM
ajfa-5290	259	12	,	,	PUNCT
ajfa-5290	259	13	2011	2011	NUM
ajfa-5290	259	14	.	.	PUNCT
ajfa-5290	260	1	elías	elía	NOUN
ajfa-5290	260	2	,	,	PUNCT
ajfa-5290	260	3	a.	a.	PROPN
ajfa-5290	260	4	padilla	padilla	PROPN
ajfa-5290	260	5	,	,	PUNCT
ajfa-5290	260	6	a.	a.	PROPN
ajfa-5290	260	7	&	&	CCONJ
ajfa-5290	260	8	padilla	padilla	PROPN
ajfa-5290	260	9	,	,	PUNCT
ajfa-5290	260	10	f.	f.	PROPN
ajfa-5290	260	11	(	(	PUNCT
ajfa-5290	260	12	2012	2012	NUM
ajfa-5290	260	13	)	)	PUNCT
ajfa-5290	260	14	.	.	PUNCT
ajfa-5290	261	1	credit	credit	NOUN
ajfa-5290	261	2	scoring	scoring	NOUN
ajfa-5290	261	3	for	for	ADP
ajfa-5290	261	4	microfinance	microfinance	NOUN
ajfa-5290	261	5	institutions	institution	NOUN
ajfa-5290	261	6	in	in	ADP
ajfa-5290	261	7	méxico	méxico	PROPN
ajfa-5290	261	8	an	an	DET
ajfa-5290	261	9	ensemble	ensemble	ADJ
ajfa-5290	261	10	and	and	CCONJ
ajfa-5290	261	11	hybridized	hybridized	ADJ
ajfa-5290	261	12	approach	approach	NOUN
ajfa-5290	261	13	.	.	PUNCT
ajfa-5290	262	1	2012	2012	NUM
ajfa-5290	262	2	international	international	ADJ
ajfa-5290	262	3	conference	conference	NOUN
ajfa-5290	262	4	on	on	ADP
ajfa-5290	262	5	technology	technology	NOUN
ajfa-5290	262	6	and	and	CCONJ
ajfa-5290	262	7	management	management	NOUN
ajfa-5290	262	8	lecture	lecture	NOUN
ajfa-5290	262	9	notes	note	NOUN
ajfa-5290	262	10	in	in	ADP
ajfa-5290	262	11	information	information	NOUN
ajfa-5290	262	12	technology	technology	NOUN
ajfa-5290	262	13	,	,	PUNCT
ajfa-5290	262	14	21	21	NUM
ajfa-5290	262	15	,	,	PUNCT
ajfa-5290	262	16	138	138	NUM
ajfa-5290	262	17	-	-	SYM
ajfa-5290	262	18	144	144	NUM
ajfa-5290	262	19	.	.	PUNCT
ajfa-5290	263	1	figini	figini	PROPN
ajfa-5290	263	2	,	,	PUNCT
ajfa-5290	263	3	s.	s.	PROPN
ajfa-5290	263	4	and	and	CCONJ
ajfa-5290	263	5	giudici	giudici	NOUN
ajfa-5290	263	6	,	,	PUNCT
ajfa-5290	263	7	p.	p.	NOUN
ajfa-5290	263	8	(	(	PUNCT
ajfa-5290	263	9	2013	2013	NUM
ajfa-5290	263	10	)	)	PUNCT
ajfa-5290	263	11	.	.	PUNCT
ajfa-5290	264	1	credit	credit	NOUN
ajfa-5290	264	2	risk	risk	NOUN
ajfa-5290	264	3	predictions	prediction	NOUN
ajfa-5290	264	4	with	with	ADP
ajfa-5290	264	5	bayesian	bayesian	NOUN
ajfa-5290	264	6	model	model	NOUN
ajfa-5290	264	7	averaging	averaging	NOUN
ajfa-5290	264	8	.	.	PUNCT
ajfa-5290	265	1	dem	dem	ADJ
ajfa-5290	265	2	working	working	PROPN
ajfa-5290	265	3	paper	paper	NOUN
ajfa-5290	265	4	series	series	NOUN
ajfa-5290	265	5	,	,	PUNCT
ajfa-5290	265	6	no	no	INTJ
ajfa-5290	265	7	.	.	PROPN
ajfa-5290	265	8	34	34	NUM
ajfa-5290	265	9	,	,	PUNCT
ajfa-5290	265	10	(	(	PUNCT
ajfa-5290	265	11	02	02	NUM
ajfa-5290	265	12	-	-	SYM
ajfa-5290	265	13	13	13	NUM
ajfa-5290	265	14	)	)	PUNCT
ajfa-5290	265	15	.	.	PUNCT
ajfa-5290	266	1	fiorillo	fiorillo	PROPN
ajfa-5290	266	2	,	,	PUNCT
ajfa-5290	266	3	a.	a.	NOUN
ajfa-5290	266	4	(	(	PUNCT
ajfa-5290	266	5	2006	2006	NUM
ajfa-5290	266	6	)	)	PUNCT
ajfa-5290	266	7	.	.	PUNCT
ajfa-5290	267	1	the	the	DET
ajfa-5290	267	2	effects	effect	NOUN
ajfa-5290	267	3	of	of	ADP
ajfa-5290	267	4	wholesale	wholesale	ADJ
ajfa-5290	267	5	lending	lending	NOUN
ajfa-5290	267	6	to	to	ADP
ajfa-5290	267	7	saccos	saccos	PROPN
ajfa-5290	267	8	in	in	ADP
ajfa-5290	267	9	uganda	uganda	PROPN
ajfa-5290	267	10	.	.	PUNCT
ajfa-5290	268	1	financial	financial	ADJ
ajfa-5290	268	2	sector	sector	NOUN
ajfa-5290	268	3	deepening	deepening	NOUN
ajfa-5290	268	4	project	project	NOUN
ajfa-5290	268	5	.	.	PUNCT
ajfa-5290	269	1	friends	friend	NOUN
ajfa-5290	269	2	consult	consult	VERB
ajfa-5290	269	3	ltd	ltd	PROPN
ajfa-5290	269	4	(	(	PUNCT
ajfa-5290	269	5	n.d	n.d	PROPN
ajfa-5290	269	6	)	)	PUNCT
ajfa-5290	269	7	.	.	PUNCT
ajfa-5290	270	1	module	module	NOUN
ajfa-5290	270	2	five	five	NUM
ajfa-5290	270	3	:	:	PUNCT
ajfa-5290	270	4	financial	financial	ADJ
ajfa-5290	270	5	and	and	CCONJ
ajfa-5290	270	6	delinquency	delinquency	NOUN
ajfa-5290	270	7	management	management	NOUN
ajfa-5290	270	8	for	for	ADP
ajfa-5290	270	9	the	the	DET
ajfa-5290	270	10	umurenge	umurenge	NOUN
ajfa-5290	270	11	saccos	saccos	PROPN
ajfa-5290	270	12	.	.	PUNCT
ajfa-5290	271	1	rwanda	rwanda	PROPN
ajfa-5290	271	2	cooperatives	cooperatives	PROPN
ajfa-5290	271	3	agency	agency	PROPN
ajfa-5290	271	4	(	(	PUNCT
ajfa-5290	271	5	rca	rca	PROPN
ajfa-5290	271	6	)	)	PUNCT
ajfa-5290	271	7	,	,	PUNCT
ajfa-5290	271	8	kampala	kampala	PROPN
ajfa-5290	271	9	,	,	PUNCT
ajfa-5290	271	10	uganda	uganda	PROPN
ajfa-5290	271	11	.	.	PUNCT
ajfa-5290	272	1	funso	funso	PROPN
ajfa-5290	272	2	,	,	PUNCT
ajfa-5290	272	3	k.	k.	PROPN
ajfa-5290	272	4	t.	t.	PROPN
ajfa-5290	272	5	,	,	PUNCT
ajfa-5290	272	6	kolade	kolade	PROPN
ajfa-5290	272	7	,	,	PUNCT
ajfa-5290	272	8	a.	a.	PROPN
ajfa-5290	272	9	r.	r.	PROPN
ajfa-5290	272	10	&	&	CCONJ
ajfa-5290	272	11	ojo	ojo	PROPN
ajfa-5290	272	12	,	,	PUNCT
ajfa-5290	272	13	o.	o.	NOUN
ajfa-5290	272	14	m.	m.	NOUN
ajfa-5290	272	15	(	(	PUNCT
ajfa-5290	272	16	2012	2012	NUM
ajfa-5290	272	17	)	)	PUNCT
ajfa-5290	272	18	.	.	PUNCT
ajfa-5290	273	1	credit	credit	NOUN
ajfa-5290	273	2	risk	risk	NOUN
ajfa-5290	273	3	and	and	CCONJ
ajfa-5290	273	4	commercial	commercial	ADJ
ajfa-5290	273	5	banks	bank	NOUN
ajfa-5290	273	6	’	'	PUNCT
ajfa-5290	273	7	performance	performance	NOUN
ajfa-5290	273	8	in	in	ADP
ajfa-5290	273	9	nigeria	nigeria	PROPN
ajfa-5290	273	10	:	:	PUNCT
ajfa-5290	273	11	a	a	DET
ajfa-5290	273	12	panel	panel	NOUN
ajfa-5290	273	13	model	model	NOUN
ajfa-5290	273	14	approach	approach	NOUN
ajfa-5290	273	15	.	.	PUNCT
ajfa-5290	274	1	australian	australian	ADJ
ajfa-5290	274	2	journal	journal	NOUN
ajfa-5290	274	3	of	of	ADP
ajfa-5290	274	4	business	business	NOUN
ajfa-5290	274	5	and	and	CCONJ
ajfa-5290	274	6	management	management	NOUN
ajfa-5290	274	7	research	research	NOUN
ajfa-5290	274	8	,	,	PUNCT
ajfa-5290	274	9	2(02	2(02	NUM
ajfa-5290	274	10	)	)	PUNCT
ajfa-5290	274	11	,	,	PUNCT
ajfa-5290	274	12	31	31	NUM
ajfa-5290	274	13	-	-	SYM
ajfa-5290	274	14	38	38	NUM
ajfa-5290	274	15	.	.	PUNCT
ajfa-5290	275	1	girabi	girabi	PROPN
ajfa-5290	275	2	,	,	PUNCT
ajfa-5290	275	3	f.	f.	PROPN
ajfa-5290	275	4	&	&	CCONJ
ajfa-5290	275	5	mwakaje	mwakaje	PROPN
ajfa-5290	275	6	,	,	PUNCT
ajfa-5290	275	7	a.e.g	a.e.g	PROPN
ajfa-5290	275	8	.	.	PROPN
ajfa-5290	275	9	(	(	PUNCT
ajfa-5290	275	10	2013	2013	NUM
ajfa-5290	275	11	)	)	PUNCT
ajfa-5290	275	12	.	.	PUNCT
ajfa-5290	276	1	impact	impact	NOUN
ajfa-5290	276	2	of	of	ADP
ajfa-5290	276	3	microfinance	microfinance	NOUN
ajfa-5290	276	4	on	on	ADP
ajfa-5290	276	5	smallholder	smallholder	NOUN
ajfa-5290	276	6	farm	farm	NOUN
ajfa-5290	276	7	productivity	productivity	NOUN
ajfa-5290	276	8	in	in	ADP
ajfa-5290	276	9	tanzania	tanzania	PROPN
ajfa-5290	276	10	:	:	PUNCT
ajfa-5290	276	11	the	the	DET
ajfa-5290	276	12	case	case	NOUN
ajfa-5290	276	13	of	of	ADP
ajfa-5290	276	14	iramba	iramba	ADJ
ajfa-5290	276	15	district	district	NOUN
ajfa-5290	276	16	.	.	PUNCT
ajfa-5290	277	1	asian	asian	ADJ
ajfa-5290	277	2	economic	economic	ADJ
ajfa-5290	277	3	and	and	CCONJ
ajfa-5290	277	4	financial	financial	ADJ
ajfa-5290	277	5	review	review	NOUN
ajfa-5290	277	6	,	,	PUNCT
ajfa-5290	277	7	3(2	3(2	NUM
ajfa-5290	277	8	)	)	PUNCT
ajfa-5290	277	9	,	,	PUNCT
ajfa-5290	277	10	227	227	NUM
ajfa-5290	277	11	-	-	SYM
ajfa-5290	277	12	242	242	NUM
ajfa-5290	277	13	.	.	PUNCT
ajfa-5290	278	1	gujarat	gujarat	PROPN
ajfa-5290	278	2	,	,	PUNCT
ajfa-5290	278	3	d.n	d.n	PROPN
ajfa-5290	278	4	.	.	PROPN
ajfa-5290	278	5	&	&	CCONJ
ajfa-5290	278	6	porter	porter	PROPN
ajfa-5290	278	7	,	,	PUNCT
ajfa-5290	278	8	c.p	c.p	PROPN
ajfa-5290	278	9	.	.	PROPN
ajfa-5290	278	10	(	(	PUNCT
ajfa-5290	278	11	2010	2010	NUM
ajfa-5290	278	12	)	)	PUNCT
ajfa-5290	278	13	.	.	PUNCT
ajfa-5290	279	1	basic	basic	ADJ
ajfa-5290	279	2	econometrics	econometric	NOUN
ajfa-5290	279	3	,	,	PUNCT
ajfa-5290	279	4	fifth	fifth	ADJ
ajfa-5290	279	5	edition	edition	NOUN
ajfa-5290	279	6	.	.	PUNCT
ajfa-5290	280	1	mcgraw	mcgraw	PROPN
ajfa-5290	280	2	-	-	PUNCT
ajfa-5290	280	3	hill	hill	NOUN
ajfa-5290	280	4	company	company	NOUN
ajfa-5290	280	5	and	and	CCONJ
ajfa-5290	280	6	china	china	PROPN
ajfa-5290	280	7	renmin	renmin	PROPN
ajfa-5290	280	8	university	university	PROPN
ajfa-5290	280	9	base	base	NOUN
ajfa-5290	280	10	.	.	PUNCT
ajfa-5290	281	1	gumparthi	gumparthi	PROPN
ajfa-5290	281	2	,	,	PUNCT
ajfa-5290	281	3	s.	s.	PROPN
ajfa-5290	281	4	&	&	CCONJ
ajfa-5290	281	5	manickavasagam	manickavasagam	PROPN
ajfa-5290	281	6	,	,	PUNCT
ajfa-5290	281	7	v.	v.	PROPN
ajfa-5290	281	8	(	(	PUNCT
ajfa-5290	281	9	2010	2010	NUM
ajfa-5290	281	10	)	)	PUNCT
ajfa-5290	281	11	.	.	PUNCT
ajfa-5290	282	1	risk	risk	NOUN
ajfa-5290	282	2	classification	classification	NOUN
ajfa-5290	282	3	based	base	VERB
ajfa-5290	282	4	on	on	ADP
ajfa-5290	282	5	discriminant	discriminant	ADJ
ajfa-5290	282	6	analysis	analysis	NOUN
ajfa-5290	282	7	for	for	ADP
ajfa-5290	282	8	smes	sme	NOUN
ajfa-5290	282	9	.	.	PUNCT
ajfa-5290	283	1	international	international	ADJ
ajfa-5290	283	2	journal	journal	PROPN
ajfa-5290	283	3	of	of	ADP
ajfa-5290	283	4	trade	trade	NOUN
ajfa-5290	283	5	,	,	PUNCT
ajfa-5290	283	6	economics	economic	NOUN
ajfa-5290	283	7	and	and	CCONJ
ajfa-5290	283	8	finance	finance	NOUN
ajfa-5290	283	9	,	,	PUNCT
ajfa-5290	283	10	1(3	1(3	NUM
ajfa-5290	283	11	)	)	PUNCT
ajfa-5290	283	12	,	,	PUNCT
ajfa-5290	283	13	242	242	NUM
ajfa-5290	283	14	-	-	SYM
ajfa-5290	283	15	246	246	NUM
ajfa-5290	283	16	.	.	PUNCT
ajfa-5290	284	1	asian	asian	ADJ
ajfa-5290	284	2	journal	journal	PROPN
ajfa-5290	284	3	of	of	ADP
ajfa-5290	284	4	finance	finance	PROPN
ajfa-5290	284	5	&	&	CCONJ
ajfa-5290	284	6	accounting	accounting	PROPN
ajfa-5290	284	7	issn	issn	PROPN
ajfa-5290	284	8	1946	1946	NUM
ajfa-5290	284	9	-	-	PUNCT
ajfa-5290	284	10	052x	052x	PROPN
ajfa-5290	284	11	2014	2014	NUM
ajfa-5290	284	12	,	,	PUNCT
ajfa-5290	284	13	vol	vol	NOUN
ajfa-5290	284	14	.	.	PROPN
ajfa-5290	285	1	6	6	NUM
ajfa-5290	285	2	,	,	PUNCT
ajfa-5290	285	3	no	no	INTJ
ajfa-5290	285	4	.	.	NOUN
ajfa-5290	285	5	1	1	NUM
ajfa-5290	285	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-5290	285	7	211	211	NUM
ajfa-5290	285	8	gwahula	gwahula	NOUN
ajfa-5290	285	9	,	,	PUNCT
ajfa-5290	285	10	r.	r.	PROPN
ajfa-5290	285	11	(	(	PUNCT
ajfa-5290	285	12	2012	2012	NUM
ajfa-5290	285	13	)	)	PUNCT
ajfa-5290	285	14	.	.	PUNCT
ajfa-5290	286	1	commercial	commercial	ADJ
ajfa-5290	286	2	banks	bank	NOUN
ajfa-5290	286	3	efficiency	efficiency	NOUN
ajfa-5290	286	4	in	in	ADP
ajfa-5290	286	5	tanzania	tanzania	PROPN
ajfa-5290	286	6	:	:	PUNCT
ajfa-5290	286	7	a	a	DET
ajfa-5290	286	8	non	non	X
ajfa-5290	286	9	parametric	parametric	ADJ
ajfa-5290	286	10	approach	approach	NOUN
ajfa-5290	286	11	.	.	PUNCT
ajfa-5290	287	1	european	european	PROPN
ajfa-5290	287	2	journal	journal	PROPN
ajfa-5290	287	3	of	of	ADP
ajfa-5290	287	4	business	business	NOUN
ajfa-5290	287	5	and	and	CCONJ
ajfa-5290	287	6	management	management	NOUN
ajfa-5290	287	7	,	,	PUNCT
ajfa-5290	287	8	4(21	4(21	NUM
ajfa-5290	287	9	)	)	PUNCT
ajfa-5290	287	10	,	,	PUNCT
ajfa-5290	287	11	55	55	NUM
ajfa-5290	287	12	-	-	SYM
ajfa-5290	287	13	67	67	NUM
ajfa-5290	287	14	.	.	PUNCT
ajfa-5290	288	1	hall	hall	PROPN
ajfa-5290	288	2	,	,	PUNCT
ajfa-5290	288	3	n.	n.	PROPN
ajfa-5290	288	4	(	(	PUNCT
ajfa-5290	288	5	2005	2005	NUM
ajfa-5290	288	6	)	)	PUNCT
ajfa-5290	288	7	.	.	PUNCT
ajfa-5290	289	1	savings	saving	NOUN
ajfa-5290	289	2	and	and	CCONJ
ajfa-5290	289	3	credit	credit	NOUN
ajfa-5290	289	4	cooperatives	cooperative	NOUN
ajfa-5290	289	5	as	as	ADP
ajfa-5290	289	6	microfinance	microfinance	NOUN
ajfa-5290	289	7	institutions	institution	NOUN
ajfa-5290	289	8	.	.	PUNCT
ajfa-5290	290	1	two	two	NUM
ajfa-5290	290	2	case	case	NOUN
ajfa-5290	290	3	studies	study	NOUN
ajfa-5290	290	4	:	:	PUNCT
ajfa-5290	290	5	koperasi	koperasi	PROPN
ajfa-5290	290	6	citra	citra	PROPN
ajfa-5290	290	7	lestari	lestari	PROPN
ajfa-5290	290	8	&	&	CCONJ
ajfa-5290	290	9	koperasi	koperasi	PROPN
ajfa-5290	290	10	mawar	mawar	PROPN
ajfa-5290	290	11	putih	putih	PROPN
ajfa-5290	290	12	in	in	ADP
ajfa-5290	290	13	east	east	PROPN
ajfa-5290	290	14	java	java	PROPN
ajfa-5290	290	15	.	.	PUNCT
ajfa-5290	291	1	unpublished	unpublished	ADJ
ajfa-5290	291	2	bsc	bsc	PROPN
ajfa-5290	291	3	thesis	thesis	NOUN
ajfa-5290	291	4	.	.	PUNCT
ajfa-5290	292	1	university	university	NOUN
ajfa-5290	292	2	of	of	ADP
ajfa-5290	292	3	new	new	ADJ
ajfa-5290	292	4	south	south	PROPN
ajfa-5290	292	5	wales	wales	PROPN
ajfa-5290	292	6	.	.	PUNCT
ajfa-5290	293	1	haneef	haneef	PROPN
ajfa-5290	293	2	,	,	PUNCT
ajfa-5290	293	3	s.	s.	PROPN
ajfa-5290	293	4	,	,	PUNCT
ajfa-5290	293	5	riaz	riaz	PROPN
ajfa-5290	293	6	,	,	PUNCT
ajfa-5290	293	7	t.	t.	PROPN
ajfa-5290	293	8	,	,	PUNCT
ajfa-5290	293	9	ramzan	ramzan	PROPN
ajfa-5290	293	10	,	,	PUNCT
ajfa-5290	293	11	m.	m.	NOUN
ajfa-5290	293	12	,	,	PUNCT
ajfa-5290	293	13	rana	rana	PROPN
ajfa-5290	293	14	,	,	PUNCT
ajfa-5290	293	15	m.	m.	PROPN
ajfa-5290	293	16	a.	a.	PROPN
ajfa-5290	293	17	ishaq	ishaq	PROPN
ajfa-5290	293	18	,	,	PUNCT
ajfa-5290	293	19	h.	h.	PROPN
ajfa-5290	293	20	m.	m.	PROPN
ajfa-5290	293	21	&	&	CCONJ
ajfa-5290	293	22	karim	karim	PROPN
ajfa-5290	293	23	y.	y.	PROPN
ajfa-5290	293	24	(	(	PUNCT
ajfa-5290	293	25	2012	2012	NUM
ajfa-5290	293	26	)	)	PUNCT
ajfa-5290	293	27	.	.	PUNCT
ajfa-5290	294	1	impact	impact	NOUN
ajfa-5290	294	2	of	of	ADP
ajfa-5290	294	3	risk	risk	NOUN
ajfa-5290	294	4	management	management	NOUN
ajfa-5290	294	5	on	on	ADP
ajfa-5290	294	6	non	non	ADJ
ajfa-5290	294	7	-	-	ADJ
ajfa-5290	294	8	performing	performing	ADJ
ajfa-5290	294	9	loans	loan	NOUN
ajfa-5290	294	10	and	and	CCONJ
ajfa-5290	294	11	profitability	profitability	NOUN
ajfa-5290	294	12	of	of	ADP
ajfa-5290	294	13	banking	banking	NOUN
ajfa-5290	294	14	sector	sector	NOUN
ajfa-5290	294	15	of	of	ADP
ajfa-5290	294	16	pakistan	pakistan	PROPN
ajfa-5290	294	17	.	.	PUNCT
ajfa-5290	295	1	international	international	ADJ
ajfa-5290	295	2	journal	journal	PROPN
ajfa-5290	295	3	of	of	ADP
ajfa-5290	295	4	business	business	NOUN
ajfa-5290	295	5	and	and	CCONJ
ajfa-5290	295	6	social	social	ADJ
ajfa-5290	295	7	science	science	NOUN
ajfa-5290	295	8	,	,	PUNCT
ajfa-5290	295	9	3(7	3(7	NUM
ajfa-5290	295	10	)	)	PUNCT
ajfa-5290	295	11	,	,	PUNCT
ajfa-5290	295	12	307	307	NUM
ajfa-5290	295	13	-	-	SYM
ajfa-5290	295	14	315	315	NUM
ajfa-5290	295	15	.	.	PUNCT
ajfa-5290	296	1	haque	haque	PROPN
ajfa-5290	296	2	,	,	PUNCT
ajfa-5290	296	3	m.	m.	NOUN
ajfa-5290	296	4	s.	s.	PROPN
ajfa-5290	296	5	,	,	PUNCT
ajfa-5290	296	6	akter	akter	PROPN
ajfa-5290	296	7	,	,	PUNCT
ajfa-5290	296	8	r.	r.	PROPN
ajfa-5290	296	9	&	&	CCONJ
ajfa-5290	296	10	laoubi	laoubi	PROPN
ajfa-5290	296	11	,	,	PUNCT
ajfa-5290	296	12	k.	k.	PROPN
ajfa-5290	296	13	(	(	PUNCT
ajfa-5290	296	14	2011	2011	NUM
ajfa-5290	296	15	)	)	PUNCT
ajfa-5290	296	16	.	.	PUNCT
ajfa-5290	297	1	effectiveness	effectiveness	NOUN
ajfa-5290	297	2	of	of	ADP
ajfa-5290	297	3	community	community	NOUN
ajfa-5290	297	4	based	base	VERB
ajfa-5290	297	5	organization	organization	NOUN
ajfa-5290	297	6	(	(	PUNCT
ajfa-5290	297	7	cbo	cbo	PROPN
ajfa-5290	297	8	)	)	PUNCT
ajfa-5290	297	9	microcredit	microcredit	PROPN
ajfa-5290	297	10	programme	programme	NOUN
ajfa-5290	297	11	of	of	ADP
ajfa-5290	297	12	concern	concern	NOUN
ajfa-5290	297	13	worldwide	worldwide	ADV
ajfa-5290	297	14	:	:	PUNCT
ajfa-5290	297	15	a	a	DET
ajfa-5290	297	16	case	case	NOUN
ajfa-5290	297	17	study	study	NOUN
ajfa-5290	297	18	of	of	ADP
ajfa-5290	297	19	bangladesh	bangladesh	PROPN
ajfa-5290	297	20	.	.	PUNCT
ajfa-5290	298	1	african	african	ADJ
ajfa-5290	298	2	journal	journal	PROPN
ajfa-5290	298	3	of	of	ADP
ajfa-5290	298	4	business	business	NOUN
ajfa-5290	298	5	management	management	NOUN
ajfa-5290	298	6	,	,	PUNCT
ajfa-5290	298	7	5(24	5(24	NUM
ajfa-5290	298	8	)	)	PUNCT
ajfa-5290	298	9	,	,	PUNCT
ajfa-5290	298	10	10101	10101	NUM
ajfa-5290	298	11	-	-	SYM
ajfa-5290	298	12	10107	10107	NUM
ajfa-5290	298	13	.	.	PUNCT
ajfa-5290	299	1	hull	hull	NOUN
ajfa-5290	299	2	,	,	PUNCT
ajfa-5290	299	3	j.	j.	PROPN
ajfa-5290	299	4	(	(	PUNCT
ajfa-5290	299	5	2009	2009	NUM
ajfa-5290	299	6	)	)	PUNCT
ajfa-5290	299	7	.	.	PUNCT
ajfa-5290	300	1	options	option	NOUN
ajfa-5290	300	2	,	,	PUNCT
ajfa-5290	300	3	futures	future	NOUN
ajfa-5290	300	4	and	and	CCONJ
ajfa-5290	300	5	other	other	ADJ
ajfa-5290	300	6	derivatives	derivative	NOUN
ajfa-5290	300	7	.	.	PUNCT
ajfa-5290	301	1	sixth	sixth	ADJ
ajfa-5290	301	2	edition	edition	NOUN
ajfa-5290	301	3	,	,	PUNCT
ajfa-5290	301	4	pearson	pearson	PROPN
ajfa-5290	301	5	education	education	PROPN
ajfa-5290	301	6	asian	asian	PROPN
ajfa-5290	301	7	ltd	ltd	PROPN
ajfa-5290	301	8	and	and	CCONJ
ajfa-5290	301	9	tsihua	tsihua	PROPN
ajfa-5290	301	10	university	university	PROPN
ajfa-5290	301	11	press	press	NOUN
ajfa-5290	301	12	.	.	PUNCT
ajfa-5290	302	1	kaaya	kaaya	PROPN
ajfa-5290	302	2	,	,	PUNCT
ajfa-5290	302	3	i.	i.	PROPN
ajfa-5290	302	4	&	&	CCONJ
ajfa-5290	302	5	pastory	pastory	PROPN
ajfa-5290	302	6	,	,	PUNCT
ajfa-5290	302	7	d.	d.	PROPN
ajfa-5290	302	8	(	(	PUNCT
ajfa-5290	302	9	2013	2013	NUM
ajfa-5290	302	10	)	)	PUNCT
ajfa-5290	302	11	.	.	PUNCT
ajfa-5290	303	1	credit	credit	NOUN
ajfa-5290	303	2	risk	risk	NOUN
ajfa-5290	303	3	and	and	CCONJ
ajfa-5290	303	4	commercial	commercial	ADJ
ajfa-5290	303	5	banks	bank	NOUN
ajfa-5290	303	6	performance	performance	NOUN
ajfa-5290	303	7	in	in	ADP
ajfa-5290	303	8	tanzania	tanzania	PROPN
ajfa-5290	303	9	:	:	PUNCT
ajfa-5290	303	10	a	a	DET
ajfa-5290	303	11	panel	panel	NOUN
ajfa-5290	303	12	data	data	VERB
ajfa-5290	303	13	analysis	analysis	NOUN
ajfa-5290	303	14	.	.	PUNCT
ajfa-5290	304	1	research	research	NOUN
ajfa-5290	304	2	journal	journal	PROPN
ajfa-5290	304	3	of	of	ADP
ajfa-5290	304	4	finance	finance	NOUN
ajfa-5290	304	5	and	and	CCONJ
ajfa-5290	304	6	accounting	accounting	NOUN
ajfa-5290	304	7	,	,	PUNCT
ajfa-5290	304	8	4	4	NUM
ajfa-5290	304	9	(	(	PUNCT
ajfa-5290	304	10	16	16	NUM
ajfa-5290	304	11	)	)	PUNCT
ajfa-5290	304	12	,	,	PUNCT
ajfa-5290	304	13	55	55	NUM
ajfa-5290	304	14	-	-	SYM
ajfa-5290	304	15	62	62	NUM
ajfa-5290	304	16	.	.	PUNCT
ajfa-5290	305	1	karumuna	karumuna	PROPN
ajfa-5290	305	2	,	,	PUNCT
ajfa-5290	305	3	l.	l.	PROPN
ajfa-5290	305	4	&	&	CCONJ
ajfa-5290	305	5	akyoo	akyoo	PROPN
ajfa-5290	305	6	,	,	PUNCT
ajfa-5290	305	7	a.	a.	NOUN
ajfa-5290	305	8	(	(	PUNCT
ajfa-5290	305	9	2011	2011	NUM
ajfa-5290	305	10	)	)	PUNCT
ajfa-5290	305	11	.	.	PUNCT
ajfa-5290	306	1	rural	rural	ADJ
ajfa-5290	306	2	finance	finance	NOUN
ajfa-5290	306	3	challenges	challenge	NOUN
ajfa-5290	306	4	in	in	ADP
ajfa-5290	306	5	tanzania	tanzania	PROPN
ajfa-5290	306	6	-	-	PUNCT
ajfa-5290	306	7	the	the	DET
ajfa-5290	306	8	case	case	NOUN
ajfa-5290	306	9	of	of	ADP
ajfa-5290	306	10	kibaigwa	kibaigwa	PROPN
ajfa-5290	306	11	financial	financial	PROPN
ajfa-5290	306	12	services	services	PROPN
ajfa-5290	306	13	and	and	CCONJ
ajfa-5290	306	14	credit	credit	NOUN
ajfa-5290	306	15	cooperative	cooperative	ADJ
ajfa-5290	306	16	society	society	NOUN
ajfa-5290	306	17	(	(	PUNCT
ajfa-5290	306	18	kifisaccos	kifisaccos	PROPN
ajfa-5290	306	19	)	)	PUNCT
ajfa-5290	306	20	in	in	ADP
ajfa-5290	306	21	kongwa	kongwa	PROPN
ajfa-5290	306	22	district	district	PROPN
ajfa-5290	306	23	.	.	PUNCT
ajfa-5290	307	1	business	business	NOUN
ajfa-5290	307	2	minds	mind	NOUN
ajfa-5290	307	3	africa	africa	PROPN
ajfa-5290	307	4	,	,	PUNCT
ajfa-5290	307	5	case	case	NOUN
ajfa-5290	307	6	series	series	NOUN
ajfa-5290	307	7	,	,	PUNCT
ajfa-5290	307	8	number	number	NOUN
ajfa-5290	307	9	2	2	NUM
ajfa-5290	307	10	june	june	PROPN
ajfa-5290	307	11	2011	2011	NUM
ajfa-5290	307	12	.	.	PUNCT
ajfa-5290	308	1	kinda	kinda	ADV
ajfa-5290	308	2	,	,	PUNCT
ajfa-5290	308	3	o.	o.	PROPN
ajfa-5290	308	4	&	&	CCONJ
ajfa-5290	308	5	achonu	achonu	PROPN
ajfa-5290	308	6	,	,	PUNCT
ajfa-5290	308	7	a.	a.	NOUN
ajfa-5290	308	8	(	(	PUNCT
ajfa-5290	308	9	2012	2012	NUM
ajfa-5290	308	10	)	)	PUNCT
ajfa-5290	308	11	.	.	PUNCT
ajfa-5290	309	1	building	build	VERB
ajfa-5290	309	2	a	a	DET
ajfa-5290	309	3	credit	credit	NOUN
ajfa-5290	309	4	scoring	scoring	NOUN
ajfa-5290	309	5	model	model	NOUN
ajfa-5290	309	6	for	for	ADP
ajfa-5290	309	7	the	the	DET
ajfa-5290	309	8	savings	saving	NOUN
ajfa-5290	309	9	and	and	CCONJ
ajfa-5290	309	10	credit	credit	NOUN
ajfa-5290	309	11	mutual	mutual	NOUN
ajfa-5290	309	12	of	of	ADP
ajfa-5290	309	13	the	the	DET
ajfa-5290	309	14	potou	potou	ADJ
ajfa-5290	309	15	zone	zone	NOUN
ajfa-5290	309	16	(	(	PUNCT
ajfa-5290	309	17	meczop)/senegal	meczop)/senegal	ADJ
ajfa-5290	309	18	.	.	PUNCT
ajfa-5290	310	1	the	the	DET
ajfa-5290	310	2	journal	journal	NOUN
ajfa-5290	310	3	of	of	ADP
ajfa-5290	310	4	sustainable	sustainable	ADJ
ajfa-5290	310	5	development	development	NOUN
ajfa-5290	310	6	,	,	PUNCT
ajfa-5290	310	7	7	7	NUM
ajfa-5290	310	8	(	(	PUNCT
ajfa-5290	310	9	1	1	NUM
ajfa-5290	310	10	)	)	PUNCT
ajfa-5290	310	11	,	,	PUNCT
ajfa-5290	310	12	17–33	17–33	NUM
ajfa-5290	310	13	.	.	PUNCT
ajfa-5290	311	1	kipesha	kipesha	PROPN
ajfa-5290	311	2	,	,	PUNCT
ajfa-5290	311	3	e.	e.	PROPN
ajfa-5290	311	4	f.	f.	PROPN
ajfa-5290	311	5	(	(	PUNCT
ajfa-5290	311	6	2013	2013	NUM
ajfa-5290	311	7	)	)	PUNCT
ajfa-5290	311	8	.	.	PUNCT
ajfa-5290	312	1	impact	impact	NOUN
ajfa-5290	312	2	of	of	ADP
ajfa-5290	312	3	size	size	NOUN
ajfa-5290	312	4	and	and	CCONJ
ajfa-5290	312	5	age	age	NOUN
ajfa-5290	312	6	on	on	ADP
ajfa-5290	312	7	firm	firm	ADJ
ajfa-5290	312	8	performance	performance	NOUN
ajfa-5290	312	9	:	:	PUNCT
ajfa-5290	312	10	evidences	evidence	NOUN
ajfa-5290	312	11	from	from	ADP
ajfa-5290	312	12	microfinance	microfinance	NOUN
ajfa-5290	312	13	institutions	institution	NOUN
ajfa-5290	312	14	in	in	ADP
ajfa-5290	312	15	tanzania	tanzania	PROPN
ajfa-5290	312	16	.	.	PUNCT
ajfa-5290	313	1	research	research	PROPN
ajfa-5290	313	2	journal	journal	PROPN
ajfa-5290	313	3	of	of	ADP
ajfa-5290	313	4	finance	finance	NOUN
ajfa-5290	313	5	and	and	CCONJ
ajfa-5290	313	6	accounting	accounting	NOUN
ajfa-5290	313	7	,	,	PUNCT
ajfa-5290	313	8	4(5	4(5	PROPN
ajfa-5290	313	9	)	)	PUNCT
ajfa-5290	313	10	,	,	PUNCT
ajfa-5290	313	11	105	105	NUM
ajfa-5290	313	12	-	-	SYM
ajfa-5290	313	13	116	116	NUM
ajfa-5290	313	14	.	.	PUNCT
ajfa-5290	314	1	kipesha	kipesha	PROPN
ajfa-5290	314	2	,	,	PUNCT
ajfa-5290	314	3	e.f	e.f	PROPN
ajfa-5290	314	4	.	.	PROPN
ajfa-5290	314	5	(	(	PUNCT
ajfa-5290	314	6	2012	2012	NUM
ajfa-5290	314	7	)	)	PUNCT
ajfa-5290	314	8	.	.	PUNCT
ajfa-5290	315	1	efficiency	efficiency	NOUN
ajfa-5290	315	2	of	of	ADP
ajfa-5290	315	3	microfinance	microfinance	NOUN
ajfa-5290	315	4	institutions	institution	NOUN
ajfa-5290	315	5	in	in	ADP
ajfa-5290	315	6	east	east	PROPN
ajfa-5290	315	7	africa	africa	PROPN
ajfa-5290	315	8	:	:	PUNCT
ajfa-5290	315	9	a	a	DET
ajfa-5290	315	10	data	datum	NOUN
ajfa-5290	315	11	envelopment	envelopment	ADJ
ajfa-5290	315	12	analysis	analysis	NOUN
ajfa-5290	315	13	.	.	PUNCT
ajfa-5290	316	1	european	european	ADJ
ajfa-5290	316	2	journal	journal	PROPN
ajfa-5290	316	3	of	of	ADP
ajfa-5290	316	4	business	business	NOUN
ajfa-5290	316	5	and	and	CCONJ
ajfa-5290	316	6	management	management	NOUN
ajfa-5290	316	7	,	,	PUNCT
ajfa-5290	316	8	4(17	4(17	NUM
ajfa-5290	316	9	)	)	PUNCT
ajfa-5290	316	10	,	,	PUNCT
ajfa-5290	316	11	77	77	NUM
ajfa-5290	316	12	-	-	SYM
ajfa-5290	316	13	88	88	NUM
ajfa-5290	316	14	.	.	PUNCT
ajfa-5290	317	1	kohansal	kohansal	PROPN
ajfa-5290	317	2	,	,	PUNCT
ajfa-5290	317	3	m.r	m.r	PROPN
ajfa-5290	317	4	.	.	PROPN
ajfa-5290	317	5	&	&	CCONJ
ajfa-5290	317	6	mansoori	mansoori	PROPN
ajfa-5290	317	7	,	,	PUNCT
ajfa-5290	317	8	h.	h.	PROPN
ajfa-5290	317	9	(	(	PUNCT
ajfa-5290	317	10	2009	2009	NUM
ajfa-5290	317	11	)	)	PUNCT
ajfa-5290	317	12	.	.	PUNCT
ajfa-5290	318	1	factors	factor	NOUN
ajfa-5290	318	2	affecting	affect	VERB
ajfa-5290	318	3	on	on	ADP
ajfa-5290	318	4	loan	loan	NOUN
ajfa-5290	318	5	repayment	repayment	NOUN
ajfa-5290	318	6	performance	performance	NOUN
ajfa-5290	318	7	of	of	ADP
ajfa-5290	318	8	farmers	farmer	NOUN
ajfa-5290	318	9	in	in	ADP
ajfa-5290	318	10	khorasan	khorasan	PROPN
ajfa-5290	318	11	-	-	PUNCT
ajfa-5290	318	12	razavi	razavi	PROPN
ajfa-5290	318	13	province	province	NOUN
ajfa-5290	318	14	of	of	ADP
ajfa-5290	318	15	iran	iran	PROPN
ajfa-5290	318	16	.	.	PUNCT
ajfa-5290	319	1	conference	conference	NOUN
ajfa-5290	319	2	on	on	ADP
ajfa-5290	319	3	international	international	ADJ
ajfa-5290	319	4	research	research	NOUN
ajfa-5290	319	5	on	on	ADP
ajfa-5290	319	6	food	food	NOUN
ajfa-5290	319	7	security	security	NOUN
ajfa-5290	319	8	,	,	PUNCT
ajfa-5290	319	9	natural	natural	ADJ
ajfa-5290	319	10	resource	resource	NOUN
ajfa-5290	319	11	,	,	PUNCT
ajfa-5290	319	12	management	management	NOUN
ajfa-5290	319	13	and	and	CCONJ
ajfa-5290	319	14	rural	rural	ADJ
ajfa-5290	319	15	development	development	NOUN
ajfa-5290	319	16	.	.	PUNCT
ajfa-5290	320	1	university	university	NOUN
ajfa-5290	320	2	of	of	ADP
ajfa-5290	320	3	hamburg	hamburg	PROPN
ajfa-5290	320	4	tropentag	tropentag	PROPN
ajfa-5290	320	5	,	,	PUNCT
ajfa-5290	320	6	october	october	PROPN
ajfa-5290	320	7	6	6	NUM
ajfa-5290	320	8	-	-	SYM
ajfa-5290	320	9	8	8	NUM
ajfa-5290	320	10	,	,	PUNCT
ajfa-5290	320	11	2009	2009	NUM
ajfa-5290	320	12	.	.	PUNCT
ajfa-5290	321	1	kruppa	kruppa	PROPN
ajfa-5290	321	2	,	,	PUNCT
ajfa-5290	321	3	j.	j.	PROPN
ajfa-5290	321	4	,	,	PUNCT
ajfa-5290	321	5	schwarz	schwarz	PROPN
ajfa-5290	321	6	,	,	PUNCT
ajfa-5290	321	7	a.	a.	NOUN
ajfa-5290	321	8	,	,	PUNCT
ajfa-5290	321	9	arminger	arminger	NOUN
ajfa-5290	321	10	,	,	PUNCT
ajfa-5290	321	11	g.	g.	PROPN
ajfa-5290	321	12	&	&	CCONJ
ajfa-5290	321	13	ziegler	ziegler	PROPN
ajfa-5290	321	14	,	,	PUNCT
ajfa-5290	321	15	a.	a.	PROPN
ajfa-5290	321	16	(	(	PUNCT
ajfa-5290	321	17	2013	2013	NUM
ajfa-5290	321	18	)	)	PUNCT
ajfa-5290	321	19	.	.	PUNCT
ajfa-5290	322	1	consumer	consumer	NOUN
ajfa-5290	322	2	credit	credit	NOUN
ajfa-5290	322	3	risk	risk	NOUN
ajfa-5290	322	4	:	:	PUNCT
ajfa-5290	322	5	individual	individual	ADJ
ajfa-5290	322	6	probability	probability	NOUN
ajfa-5290	322	7	estimates	estimate	NOUN
ajfa-5290	322	8	using	use	VERB
ajfa-5290	322	9	machine	machine	NOUN
ajfa-5290	322	10	learning	learning	NOUN
ajfa-5290	322	11	.	.	PUNCT
ajfa-5290	323	1	expert	expert	NOUN
ajfa-5290	323	2	systems	system	NOUN
ajfa-5290	323	3	with	with	ADP
ajfa-5290	323	4	applications	application	NOUN
ajfa-5290	323	5	,	,	PUNCT
ajfa-5290	323	6	40	40	NUM
ajfa-5290	323	7	,	,	PUNCT
ajfa-5290	323	8	5125–5131	5125–5131	NUM
ajfa-5290	323	9	.	.	PUNCT
ajfa-5290	324	1	http://dx.doi.org/10.1016/j.eswa.2013.03.019	http://dx.doi.org/10.1016/j.eswa.2013.03.019	PROPN
ajfa-5290	324	2	.	.	PUNCT
ajfa-5290	324	3	kushoka	kushoka	PROPN
ajfa-5290	324	4	,	,	PUNCT
ajfa-5290	324	5	i.	i.	PROPN
ajfa-5290	324	6	(	(	PUNCT
ajfa-5290	324	7	2013	2013	NUM
ajfa-5290	324	8	)	)	PUNCT
ajfa-5290	324	9	.	.	PUNCT
ajfa-5290	325	1	sustainability	sustainability	NOUN
ajfa-5290	325	2	of	of	ADP
ajfa-5290	325	3	an	an	DET
ajfa-5290	325	4	employee	employee	NOUN
ajfa-5290	325	5	based	base	VERB
ajfa-5290	325	6	savings	saving	NOUN
ajfa-5290	325	7	and	and	CCONJ
ajfa-5290	325	8	credit	credit	NOUN
ajfa-5290	325	9	co	co	ADJ
ajfa-5290	325	10	-	-	ADJ
ajfa-5290	325	11	operative	operative	ADJ
ajfa-5290	325	12	society	society	NOUN
ajfa-5290	325	13	:	:	PUNCT
ajfa-5290	325	14	a	a	DET
ajfa-5290	325	15	case	case	NOUN
ajfa-5290	325	16	of	of	ADP
ajfa-5290	325	17	dar	dar	PROPN
ajfa-5290	325	18	es	es	PROPN
ajfa-5290	325	19	salaam	salaam	PROPN
ajfa-5290	325	20	city	city	PROPN
ajfa-5290	325	21	council	council	PROPN
ajfa-5290	325	22	saccos	saccos	PROPN
ajfa-5290	325	23	tanzania	tanzania	PROPN
ajfa-5290	325	24	.	.	PUNCT
ajfa-5290	326	1	american	american	PROPN
ajfa-5290	326	2	based	base	VERB
ajfa-5290	326	3	research	research	NOUN
ajfa-5290	326	4	journal	journal	NOUN
ajfa-5290	326	5	,	,	PUNCT
ajfa-5290	326	6	2(7	2(7	NUM
ajfa-5290	326	7	)	)	PUNCT
ajfa-5290	326	8	,	,	PUNCT
ajfa-5290	326	9	88	88	NUM
ajfa-5290	326	10	-	-	SYM
ajfa-5290	326	11	94	94	NUM
ajfa-5290	326	12	.	.	PUNCT
ajfa-5290	327	1	kyessi	kyessi	PROPN
ajfa-5290	327	2	,	,	PUNCT
ajfa-5290	327	3	a.	a.	PROPN
ajfa-5290	327	4	&	&	CCONJ
ajfa-5290	327	5	furaha	furaha	PROPN
ajfa-5290	327	6	,	,	PUNCT
ajfa-5290	327	7	g.	g.	PROPN
ajfa-5290	327	8	(	(	PUNCT
ajfa-5290	327	9	2010	2010	NUM
ajfa-5290	327	10	)	)	PUNCT
ajfa-5290	327	11	.	.	PUNCT
ajfa-5290	328	1	access	access	NOUN
ajfa-5290	328	2	to	to	ADP
ajfa-5290	328	3	housing	housing	NOUN
ajfa-5290	328	4	finance	finance	NOUN
ajfa-5290	328	5	by	by	ADP
ajfa-5290	328	6	the	the	DET
ajfa-5290	328	7	urban	urban	ADJ
ajfa-5290	328	8	poor	poor	ADJ
ajfa-5290	328	9	:	:	PUNCT
ajfa-5290	328	10	the	the	DET
ajfa-5290	328	11	case	case	NOUN
ajfa-5290	328	12	of	of	ADP
ajfa-5290	328	13	asian	asian	ADJ
ajfa-5290	328	14	journal	journal	NOUN
ajfa-5290	328	15	of	of	ADP
ajfa-5290	328	16	finance	finance	PROPN
ajfa-5290	328	17	&	&	CCONJ
ajfa-5290	328	18	accounting	accounting	PROPN
ajfa-5290	328	19	issn	issn	PROPN
ajfa-5290	328	20	1946	1946	NUM
ajfa-5290	328	21	-	-	PUNCT
ajfa-5290	328	22	052x	052x	PROPN
ajfa-5290	328	23	2014	2014	NUM
ajfa-5290	328	24	,	,	PUNCT
ajfa-5290	328	25	vol	vol	NOUN
ajfa-5290	328	26	.	.	PROPN
ajfa-5290	328	27	6	6	NUM
ajfa-5290	328	28	,	,	PUNCT
ajfa-5290	328	29	no	no	INTJ
ajfa-5290	328	30	.	.	NOUN
ajfa-5290	328	31	1	1	NUM
ajfa-5290	328	32	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-5290	328	33	212	212	NUM
ajfa-5290	328	34	wat	wat	NOUN
ajfa-5290	328	35	-	-	PUNCT
ajfa-5290	328	36	saccos	saccos	PROPN
ajfa-5290	328	37	in	in	ADP
ajfa-5290	328	38	dar	dar	PROPN
ajfa-5290	328	39	es	es	PROPN
ajfa-5290	328	40	salaam	salaam	PROPN
ajfa-5290	328	41	,	,	PUNCT
ajfa-5290	328	42	tanzania	tanzania	PROPN
ajfa-5290	328	43	.	.	PUNCT
ajfa-5290	329	1	international	international	PROPN
ajfa-5290	329	2	journal	journal	PROPN
ajfa-5290	329	3	of	of	ADP
ajfa-5290	329	4	housing	housing	NOUN
ajfa-5290	329	5	markets	market	NOUN
ajfa-5290	329	6	and	and	CCONJ
ajfa-5290	329	7	analysis	analysis	NOUN
ajfa-5290	329	8	,	,	PUNCT
ajfa-5290	329	9	3(3	3(3	NUM
ajfa-5290	329	10	)	)	PUNCT
ajfa-5290	329	11	,	,	PUNCT
ajfa-5290	329	12	182	182	NUM
ajfa-5290	329	13	-	-	SYM
ajfa-5290	329	14	202	202	NUM
ajfa-5290	329	15	.	.	PUNCT
ajfa-5290	330	1	http://dx.doi.org/1108/17538271011063861	http://dx.doi.org/1108/17538271011063861	PROPN
ajfa-5290	330	2	.	.	PUNCT
ajfa-5290	330	3	lagat	lagat	PROPN
ajfa-5290	330	4	,	,	PUNCT
ajfa-5290	330	5	f.k	f.k	PROPN
ajfa-5290	330	6	.	.	PROPN
ajfa-5290	330	7	,	,	PUNCT
ajfa-5290	330	8	mugo	mugo	PROPN
ajfa-5290	330	9	,	,	PUNCT
ajfa-5290	330	10	r.	r.	PROPN
ajfa-5290	330	11	&	&	CCONJ
ajfa-5290	330	12	otuya	otuya	PROPN
ajfa-5290	330	13	,	,	PUNCT
ajfa-5290	330	14	r.	r.	PROPN
ajfa-5290	330	15	(	(	PUNCT
ajfa-5290	330	16	2013	2013	NUM
ajfa-5290	330	17	)	)	PUNCT
ajfa-5290	330	18	.	.	PUNCT
ajfa-5290	331	1	effect	effect	NOUN
ajfa-5290	331	2	of	of	ADP
ajfa-5290	331	3	credit	credit	NOUN
ajfa-5290	331	4	risk	risk	NOUN
ajfa-5290	331	5	management	management	NOUN
ajfa-5290	331	6	practices	practice	NOUN
ajfa-5290	331	7	on	on	ADP
ajfa-5290	331	8	lending	lend	VERB
ajfa-5290	331	9	portfolio	portfolio	NOUN
ajfa-5290	331	10	among	among	ADP
ajfa-5290	331	11	savings	saving	NOUN
ajfa-5290	331	12	and	and	CCONJ
ajfa-5290	331	13	credit	credit	NOUN
ajfa-5290	331	14	cooperatives	cooperative	NOUN
ajfa-5290	331	15	in	in	ADP
ajfa-5290	331	16	kenya	kenya	PROPN
ajfa-5290	331	17	.	.	PUNCT
ajfa-5290	332	1	european	european	PROPN
ajfa-5290	332	2	journal	journal	PROPN
ajfa-5290	332	3	of	of	ADP
ajfa-5290	332	4	business	business	NOUN
ajfa-5290	332	5	and	and	CCONJ
ajfa-5290	332	6	management	management	NOUN
ajfa-5290	332	7	,	,	PUNCT
ajfa-5290	332	8	5(19	5(19	NUM
ajfa-5290	332	9	)	)	PUNCT
ajfa-5290	332	10	,	,	PUNCT
ajfa-5290	332	11	93	93	NUM
ajfa-5290	332	12	-	-	SYM
ajfa-5290	332	13	105	105	NUM
ajfa-5290	332	14	.	.	PUNCT
ajfa-5290	333	1	lefcaditis	lefcaditis	PROPN
ajfa-5290	333	2	,	,	PUNCT
ajfa-5290	333	3	c.	c.	NOUN
ajfa-5290	333	4	,	,	PUNCT
ajfa-5290	333	5	tsamis	tsamis	NOUN
ajfa-5290	333	6	,	,	PUNCT
ajfa-5290	333	7	a.	a.	NOUN
ajfa-5290	333	8	&	&	CCONJ
ajfa-5290	333	9	leventides	leventides	PROPN
ajfa-5290	333	10	,	,	PUNCT
ajfa-5290	333	11	j.	j.	PROPN
ajfa-5290	333	12	(	(	PUNCT
ajfa-5290	333	13	2014	2014	NUM
ajfa-5290	333	14	)	)	PUNCT
ajfa-5290	333	15	.	.	PUNCT
ajfa-5290	334	1	concentration	concentration	NOUN
ajfa-5290	334	2	risk	risk	NOUN
ajfa-5290	334	3	model	model	NOUN
ajfa-5290	334	4	for	for	ADP
ajfa-5290	334	5	greek	greek	PROPN
ajfa-5290	334	6	bank	bank	PROPN
ajfa-5290	334	7	’s	’s	PART
ajfa-5290	334	8	credit	credit	NOUN
ajfa-5290	334	9	portfolio	portfolio	NOUN
ajfa-5290	334	10	.	.	PUNCT
ajfa-5290	335	1	the	the	DET
ajfa-5290	335	2	journal	journal	NOUN
ajfa-5290	335	3	of	of	ADP
ajfa-5290	335	4	risk	risk	NOUN
ajfa-5290	335	5	finance	finance	NOUN
ajfa-5290	335	6	,	,	PUNCT
ajfa-5290	335	7	15(1	15(1	NUM
ajfa-5290	335	8	)	)	PUNCT
ajfa-5290	335	9	,	,	PUNCT
ajfa-5290	335	10	71	71	NUM
ajfa-5290	335	11	-	-	SYM
ajfa-5290	335	12	93	93	NUM
ajfa-5290	335	13	.	.	PUNCT
ajfa-5290	336	1	http://dx.doi.org/	http://dx.doi.org/	PRON
ajfa-5290	336	2	10.1108	10.1108	NUM
ajfa-5290	336	3	/	/	SYM
ajfa-5290	336	4	jrf-06	jrf-06	ADV
ajfa-5290	336	5	-	-	PUNCT
ajfa-5290	336	6	2013	2013	NUM
ajfa-5290	336	7	-	-	PUNCT
ajfa-5290	336	8	0043	0043	NUM
ajfa-5290	336	9	.	.	PUNCT
ajfa-5290	337	1	magali	magali	PROPN
ajfa-5290	337	2	,	,	PUNCT
ajfa-5290	337	3	j.j	j.j	PROPN
ajfa-5290	337	4	.	.	PROPN
ajfa-5290	337	5	(	(	PUNCT
ajfa-5290	337	6	2013a	2013a	NUM
ajfa-5290	337	7	)	)	PUNCT
ajfa-5290	337	8	.	.	PUNCT
ajfa-5290	338	1	factors	factor	NOUN
ajfa-5290	338	2	affecting	affect	VERB
ajfa-5290	338	3	credit	credit	NOUN
ajfa-5290	338	4	default	default	NOUN
ajfa-5290	338	5	risks	risk	NOUN
ajfa-5290	338	6	for	for	ADP
ajfa-5290	338	7	rural	rural	ADJ
ajfa-5290	338	8	savings	saving	NOUN
ajfa-5290	338	9	and	and	CCONJ
ajfa-5290	338	10	credits	credit	NOUN
ajfa-5290	338	11	cooperative	cooperative	ADJ
ajfa-5290	338	12	societies	society	NOUN
ajfa-5290	338	13	(	(	PUNCT
ajfa-5290	338	14	saccos	saccos	PROPN
ajfa-5290	338	15	)	)	PUNCT
ajfa-5290	338	16	in	in	ADP
ajfa-5290	338	17	tanzania	tanzania	PROPN
ajfa-5290	338	18	.	.	PUNCT
ajfa-5290	339	1	european	european	PROPN
ajfa-5290	339	2	journal	journal	PROPN
ajfa-5290	339	3	of	of	ADP
ajfa-5290	339	4	business	business	NOUN
ajfa-5290	339	5	and	and	CCONJ
ajfa-5290	339	6	management	management	NOUN
ajfa-5290	339	7	,	,	PUNCT
ajfa-5290	339	8	5(32	5(32	NUM
ajfa-5290	339	9	)	)	PUNCT
ajfa-5290	339	10	,	,	PUNCT
ajfa-5290	339	11	60	60	NUM
ajfa-5290	339	12	-	-	SYM
ajfa-5290	339	13	73	73	NUM
ajfa-5290	339	14	.	.	PUNCT
ajfa-5290	340	1	magali	magali	PROPN
ajfa-5290	340	2	,	,	PUNCT
ajfa-5290	340	3	j.j	j.j	PROPN
ajfa-5290	340	4	.	.	PROPN
ajfa-5290	340	5	(	(	PUNCT
ajfa-5290	340	6	2013b	2013b	NUM
ajfa-5290	340	7	)	)	PUNCT
ajfa-5290	340	8	.	.	PUNCT
ajfa-5290	341	1	the	the	DET
ajfa-5290	341	2	influence	influence	NOUN
ajfa-5290	341	3	of	of	ADP
ajfa-5290	341	4	rural	rural	ADJ
ajfa-5290	341	5	savings	saving	NOUN
ajfa-5290	341	6	and	and	CCONJ
ajfa-5290	341	7	credits	credit	NOUN
ajfa-5290	341	8	cooperatives	cooperative	NOUN
ajfa-5290	341	9	societies	society	NOUN
ajfa-5290	341	10	(	(	PUNCT
ajfa-5290	341	11	saccos	saccos	PROPN
ajfa-5290	341	12	’	'	PUNCT
ajfa-5290	341	13	)	)	PUNCT
ajfa-5290	341	14	variables	variable	NOUN
ajfa-5290	341	15	on	on	ADP
ajfa-5290	341	16	loans	loan	NOUN
ajfa-5290	341	17	default	default	NOUN
ajfa-5290	341	18	risks	risk	NOUN
ajfa-5290	341	19	:	:	PUNCT
ajfa-5290	341	20	the	the	DET
ajfa-5290	341	21	case	case	NOUN
ajfa-5290	341	22	study	study	NOUN
ajfa-5290	341	23	of	of	ADP
ajfa-5290	341	24	tanzania	tanzania	PROPN
ajfa-5290	341	25	.	.	PUNCT
ajfa-5290	342	1	research	research	PROPN
ajfa-5290	342	2	journal	journal	PROPN
ajfa-5290	342	3	of	of	ADP
ajfa-5290	342	4	finance	finance	NOUN
ajfa-5290	342	5	and	and	CCONJ
ajfa-5290	342	6	accounting	accounting	NOUN
ajfa-5290	342	7	,	,	PUNCT
ajfa-5290	342	8	4(19	4(19	NUM
ajfa-5290	342	9	)	)	PUNCT
ajfa-5290	342	10	,	,	PUNCT
ajfa-5290	342	11	77	77	NUM
ajfa-5290	342	12	-	-	SYM
ajfa-5290	342	13	91	91	NUM
ajfa-5290	342	14	.	.	PUNCT
ajfa-5290	343	1	magali	magali	PROPN
ajfa-5290	343	2	,	,	PUNCT
ajfa-5290	343	3	j.j	j.j	PROPN
ajfa-5290	343	4	.	.	PROPN
ajfa-5290	343	5	(	(	PUNCT
ajfa-5290	343	6	2013c	2013c	NUM
ajfa-5290	343	7	)	)	PUNCT
ajfa-5290	343	8	.	.	PUNCT
ajfa-5290	344	1	the	the	DET
ajfa-5290	344	2	impacts	impact	NOUN
ajfa-5290	344	3	of	of	ADP
ajfa-5290	344	4	credits	credit	NOUN
ajfa-5290	344	5	risk	risk	NOUN
ajfa-5290	344	6	management	management	NOUN
ajfa-5290	344	7	on	on	ADP
ajfa-5290	344	8	profitability	profitability	NOUN
ajfa-5290	344	9	of	of	ADP
ajfa-5290	344	10	rural	rural	ADJ
ajfa-5290	344	11	savings	saving	NOUN
ajfa-5290	344	12	and	and	CCONJ
ajfa-5290	344	13	credits	credit	NOUN
ajfa-5290	344	14	cooperative	cooperative	ADJ
ajfa-5290	344	15	societies	society	NOUN
ajfa-5290	344	16	(	(	PUNCT
ajfa-5290	344	17	saccos	saccos	PROPN
ajfa-5290	344	18	):	):	PUNCT
ajfa-5290	344	19	the	the	DET
ajfa-5290	344	20	case	case	NOUN
ajfa-5290	344	21	study	study	NOUN
ajfa-5290	344	22	of	of	ADP
ajfa-5290	344	23	tanzania	tanzania	PROPN
ajfa-5290	344	24	.	.	PUNCT
ajfa-5290	345	1	international	international	ADJ
ajfa-5290	345	2	journal	journal	PROPN
ajfa-5290	345	3	of	of	ADP
ajfa-5290	345	4	management	management	NOUN
ajfa-5290	345	5	sciences	sciences	PROPN
ajfa-5290	345	6	and	and	CCONJ
ajfa-5290	345	7	business	business	NOUN
ajfa-5290	345	8	research	research	NOUN
ajfa-5290	345	9	,	,	PUNCT
ajfa-5290	345	10	2(12	2(12	NUM
ajfa-5290	345	11	)	)	PUNCT
ajfa-5290	345	12	,	,	PUNCT
ajfa-5290	345	13	62	62	NUM
ajfa-5290	345	14	-	-	SYM
ajfa-5290	345	15	77	77	NUM
ajfa-5290	345	16	.	.	PUNCT
ajfa-5290	346	1	magali	magali	PROPN
ajfa-5290	346	2	,	,	PUNCT
ajfa-5290	346	3	j.j	j.j	PROPN
ajfa-5290	346	4	.	.	PROPN
ajfa-5290	346	5	(	(	PUNCT
ajfa-5290	346	6	2013d	2013d	NUM
ajfa-5290	346	7	)	)	PUNCT
ajfa-5290	346	8	.	.	PUNCT
ajfa-5290	347	1	impacts	impact	NOUN
ajfa-5290	347	2	of	of	ADP
ajfa-5290	347	3	rural	rural	ADJ
ajfa-5290	347	4	savings	saving	NOUN
ajfa-5290	347	5	and	and	CCONJ
ajfa-5290	347	6	credits	credit	NOUN
ajfa-5290	347	7	cooperative	cooperative	ADJ
ajfa-5290	347	8	societies	society	NOUN
ajfa-5290	347	9	(	(	PUNCT
ajfa-5290	347	10	saccos	saccos	PROPN
ajfa-5290	347	11	’	'	PUNCT
ajfa-5290	347	12	)	)	PUNCT
ajfa-5290	347	13	loans	loan	NOUN
ajfa-5290	347	14	on	on	ADP
ajfa-5290	347	15	borrowers	borrower	NOUN
ajfa-5290	347	16	in	in	ADP
ajfa-5290	347	17	tanzania	tanzania	PROPN
ajfa-5290	347	18	.	.	PUNCT
ajfa-5290	348	1	international	international	ADJ
ajfa-5290	348	2	journal	journal	PROPN
ajfa-5290	348	3	of	of	ADP
ajfa-5290	348	4	management	management	NOUN
ajfa-5290	348	5	sciences	sciences	PROPN
ajfa-5290	348	6	and	and	CCONJ
ajfa-5290	348	7	business	business	NOUN
ajfa-5290	348	8	research	research	NOUN
ajfa-5290	348	9	,	,	PUNCT
ajfa-5290	348	10	2(12	2(12	NUM
ajfa-5290	348	11	)	)	PUNCT
ajfa-5290	348	12	,	,	PUNCT
ajfa-5290	348	13	32	32	NUM
ajfa-5290	348	14	-	-	SYM
ajfa-5290	348	15	48	48	NUM
ajfa-5290	348	16	.	.	PUNCT
ajfa-5290	349	1	magali	magali	PROPN
ajfa-5290	349	2	,	,	PUNCT
ajfa-5290	349	3	j.j	j.j	PROPN
ajfa-5290	349	4	.	.	PROPN
ajfa-5290	349	5	(	(	PUNCT
ajfa-5290	349	6	2013e	2013e	NUM
ajfa-5290	349	7	)	)	PUNCT
ajfa-5290	349	8	.	.	PUNCT
ajfa-5290	349	9	are	be	AUX
ajfa-5290	349	10	rural	rural	ADJ
ajfa-5290	349	11	saccos	sacco	NOUN
ajfa-5290	349	12	in	in	ADP
ajfa-5290	349	13	tanzania	tanzania	PROPN
ajfa-5290	349	14	sustainable	sustainable	ADJ
ajfa-5290	349	15	?	?	PUNCT
ajfa-5290	350	1	international	international	ADJ
ajfa-5290	350	2	journal	journal	NOUN
ajfa-5290	350	3	of	of	ADP
ajfa-5290	350	4	management	management	NOUN
ajfa-5290	350	5	sciences	sciences	PROPN
ajfa-5290	350	6	and	and	CCONJ
ajfa-5290	350	7	business	business	NOUN
ajfa-5290	350	8	research	research	NOUN
ajfa-5290	350	9	,	,	PUNCT
ajfa-5290	350	10	3(1	3(1	NUM
ajfa-5290	350	11	)	)	PUNCT
ajfa-5290	350	12	,	,	PUNCT
ajfa-5290	350	13	111	111	NUM
ajfa-5290	350	14	-	-	SYM
ajfa-5290	350	15	126	126	NUM
ajfa-5290	350	16	.	.	PUNCT
ajfa-5290	351	1	magali	magali	PROPN
ajfa-5290	351	2	,	,	PUNCT
ajfa-5290	351	3	j.j	j.j	PROPN
ajfa-5290	351	4	.	.	PROPN
ajfa-5290	351	5	&	&	CCONJ
ajfa-5290	351	6	pastory	pastory	PROPN
ajfa-5290	351	7	,	,	PUNCT
ajfa-5290	351	8	d.	d.	PROPN
ajfa-5290	351	9	(	(	PUNCT
ajfa-5290	351	10	2013	2013	NUM
ajfa-5290	351	11	)	)	PUNCT
ajfa-5290	351	12	.	.	PUNCT
ajfa-5290	352	1	technical	technical	ADJ
ajfa-5290	352	2	efficiency	efficiency	NOUN
ajfa-5290	352	3	of	of	ADP
ajfa-5290	352	4	the	the	DET
ajfa-5290	352	5	rural	rural	ADJ
ajfa-5290	352	6	savings	saving	NOUN
ajfa-5290	352	7	and	and	CCONJ
ajfa-5290	352	8	credits	credit	NOUN
ajfa-5290	352	9	cooperative	cooperative	ADJ
ajfa-5290	352	10	societies	society	NOUN
ajfa-5290	352	11	in	in	ADP
ajfa-5290	352	12	tanzania	tanzania	PROPN
ajfa-5290	352	13	:	:	PUNCT
ajfa-5290	352	14	a	a	DET
ajfa-5290	352	15	dea	dea	PROPN
ajfa-5290	352	16	approach	approach	NOUN
ajfa-5290	352	17	.	.	PUNCT
ajfa-5290	353	1	international	international	ADJ
ajfa-5290	353	2	journal	journal	PROPN
ajfa-5290	353	3	of	of	ADP
ajfa-5290	353	4	management	management	NOUN
ajfa-5290	353	5	sciences	sciences	PROPN
ajfa-5290	353	6	and	and	CCONJ
ajfa-5290	353	7	business	business	NOUN
ajfa-5290	353	8	research	research	NOUN
ajfa-5290	353	9	,	,	PUNCT
ajfa-5290	353	10	2(12	2(12	NUM
ajfa-5290	353	11	)	)	PUNCT
ajfa-5290	353	12	,	,	PUNCT
ajfa-5290	353	13	49	49	NUM
ajfa-5290	353	14	-	-	SYM
ajfa-5290	353	15	61	61	NUM
ajfa-5290	353	16	.	.	PUNCT
ajfa-5290	354	1	magali	magali	PROPN
ajfa-5290	354	2	,	,	PUNCT
ajfa-5290	354	3	j.j	j.j	PROPN
ajfa-5290	354	4	.	.	PROPN
ajfa-5290	354	5	and	and	CCONJ
ajfa-5290	354	6	qiong	qiong	PROPN
ajfa-5290	354	7	,	,	PUNCT
ajfa-5290	354	8	y.	y.	PROPN
ajfa-5290	354	9	(	(	PUNCT
ajfa-5290	354	10	2014	2014	NUM
ajfa-5290	354	11	)	)	PUNCT
ajfa-5290	354	12	.	.	PUNCT
ajfa-5290	355	1	commercial	commercial	ADJ
ajfa-5290	355	2	banks	bank	NOUN
ajfa-5290	355	3	vs	vs	ADP
ajfa-5290	355	4	rural	rural	ADJ
ajfa-5290	355	5	saccos	saccos	PROPN
ajfa-5290	355	6	credits	credit	NOUN
ajfa-5290	355	7	risk	risk	NOUN
ajfa-5290	355	8	management	management	NOUN
ajfa-5290	355	9	practices	practice	NOUN
ajfa-5290	355	10	in	in	ADP
ajfa-5290	355	11	tanzania	tanzania	PROPN
ajfa-5290	355	12	.	.	PUNCT
ajfa-5290	356	1	journal	journal	PROPN
ajfa-5290	356	2	of	of	ADP
ajfa-5290	356	3	economics	economic	NOUN
ajfa-5290	356	4	and	and	CCONJ
ajfa-5290	356	5	sustainable	sustainable	ADJ
ajfa-5290	356	6	development	development	NOUN
ajfa-5290	356	7	,	,	PUNCT
ajfa-5290	356	8	5	5	NUM
ajfa-5290	356	9	(	(	PUNCT
ajfa-5290	356	10	2	2	NUM
ajfa-5290	356	11	)	)	PUNCT
ajfa-5290	356	12	,	,	PUNCT
ajfa-5290	356	13	33	33	NUM
ajfa-5290	356	14	-	-	SYM
ajfa-5290	356	15	45	45	NUM
ajfa-5290	356	16	.	.	PUNCT
ajfa-5290	357	1	majumdar	majumdar	PROPN
ajfa-5290	357	2	,	,	PUNCT
ajfa-5290	357	3	s.k	s.k	PROPN
ajfa-5290	357	4	.	.	PROPN
ajfa-5290	357	5	(	(	PUNCT
ajfa-5290	357	6	1997	1997	NUM
ajfa-5290	357	7	)	)	PUNCT
ajfa-5290	357	8	.	.	PUNCT
ajfa-5290	358	1	the	the	DET
ajfa-5290	358	2	impact	impact	NOUN
ajfa-5290	358	3	of	of	ADP
ajfa-5290	358	4	size	size	NOUN
ajfa-5290	358	5	and	and	CCONJ
ajfa-5290	358	6	age	age	NOUN
ajfa-5290	358	7	on	on	ADP
ajfa-5290	358	8	firm	firm	ADJ
ajfa-5290	358	9	-	-	PUNCT
ajfa-5290	358	10	level	level	NOUN
ajfa-5290	358	11	performance	performance	NOUN
ajfa-5290	358	12	:	:	PUNCT
ajfa-5290	358	13	some	some	DET
ajfa-5290	358	14	evidence	evidence	NOUN
ajfa-5290	358	15	from	from	ADP
ajfa-5290	358	16	india	india	PROPN
ajfa-5290	358	17	.	.	PUNCT
ajfa-5290	359	1	review	review	NOUN
ajfa-5290	359	2	of	of	ADP
ajfa-5290	359	3	industrial	industrial	ADJ
ajfa-5290	359	4	organization	organization	NOUN
ajfa-5290	359	5	,	,	PUNCT
ajfa-5290	359	6	kluwer	kluwer	NOUN
ajfa-5290	359	7	academic	academic	ADJ
ajfa-5290	359	8	publishers	publisher	NOUN
ajfa-5290	359	9	,	,	PUNCT
ajfa-5290	359	10	12	12	NUM
ajfa-5290	359	11	,	,	PUNCT
ajfa-5290	359	12	231–241	231–241	NUM
ajfa-5290	359	13	.	.	PUNCT
ajfa-5290	360	1	makori	makori	PROPN
ajfa-5290	360	2	,	,	PUNCT
ajfa-5290	360	3	j.	j.	PROPN
ajfa-5290	360	4	,	,	PUNCT
ajfa-5290	360	5	munene	munene	PROPN
ajfa-5290	360	6	,	,	PUNCT
ajfa-5290	360	7	c.	c.	PROPN
ajfa-5290	360	8	&	&	CCONJ
ajfa-5290	360	9	muturi	muturi	PROPN
ajfa-5290	360	10	,	,	PUNCT
ajfa-5290	360	11	w.	w.	PROPN
ajfa-5290	360	12	(	(	PUNCT
ajfa-5290	360	13	2013	2013	NUM
ajfa-5290	360	14	)	)	PUNCT
ajfa-5290	360	15	.	.	PUNCT
ajfa-5290	361	1	the	the	DET
ajfa-5290	361	2	challenges	challenge	NOUN
ajfa-5290	361	3	facing	face	VERB
ajfa-5290	361	4	deposit	deposit	NOUN
ajfa-5290	361	5	-	-	PUNCT
ajfa-5290	361	6	taking	take	VERB
ajfa-5290	361	7	savings	saving	NOUN
ajfa-5290	361	8	and	and	CCONJ
ajfa-5290	361	9	credit	credit	NOUN
ajfa-5290	361	10	cooperative	cooperative	ADJ
ajfa-5290	361	11	societies	society	NOUN
ajfa-5290	361	12	’	'	PUNCT
ajfa-5290	361	13	regulatory	regulatory	ADJ
ajfa-5290	361	14	compliance	compliance	NOUN
ajfa-5290	361	15	in	in	ADP
ajfa-5290	361	16	kenya	kenya	PROPN
ajfa-5290	361	17	.	.	PUNCT
ajfa-5290	362	1	a	a	DET
ajfa-5290	362	2	case	case	NOUN
ajfa-5290	362	3	of	of	ADP
ajfa-5290	362	4	the	the	DET
ajfa-5290	362	5	gusii	gusii	ADJ
ajfa-5290	362	6	region	region	NOUN
ajfa-5290	362	7	.	.	PUNCT
ajfa-5290	363	1	interdisciplinary	interdisciplinary	ADJ
ajfa-5290	363	2	journal	journal	NOUN
ajfa-5290	363	3	of	of	ADP
ajfa-5290	363	4	contemporary	contemporary	ADJ
ajfa-5290	363	5	research	research	NOUN
ajfa-5290	363	6	in	in	ADP
ajfa-5290	363	7	business	business	NOUN
ajfa-5290	363	8	,	,	PUNCT
ajfa-5290	363	9	4(12	4(12	NUM
ajfa-5290	363	10	)	)	PUNCT
ajfa-5290	363	11	,	,	PUNCT
ajfa-5290	363	12	1014	1014	NUM
ajfa-5290	363	13	-	-	SYM
ajfa-5290	363	14	1081	1081	NUM
ajfa-5290	363	15	.	.	PUNCT
ajfa-5290	364	1	marwa	marwa	PROPN
ajfa-5290	364	2	,	,	PUNCT
ajfa-5290	364	3	n.	n.	PROPN
ajfa-5290	364	4	&	&	CCONJ
ajfa-5290	364	5	aziakpono	aziakpono	PROPN
ajfa-5290	364	6	,	,	PUNCT
ajfa-5290	364	7	m.	m.	NOUN
ajfa-5290	364	8	(	(	PUNCT
ajfa-5290	364	9	2013	2013	NUM
ajfa-5290	364	10	)	)	PUNCT
ajfa-5290	364	11	.	.	PUNCT
ajfa-5290	365	1	technical	technical	ADJ
ajfa-5290	365	2	and	and	CCONJ
ajfa-5290	365	3	scale	scale	NOUN
ajfa-5290	365	4	efficiency	efficiency	NOUN
ajfa-5290	365	5	of	of	ADP
ajfa-5290	365	6	saving	saving	NOUN
ajfa-5290	365	7	and	and	CCONJ
ajfa-5290	365	8	credit	credit	NOUN
ajfa-5290	365	9	cooperatives	cooperative	NOUN
ajfa-5290	365	10	:	:	PUNCT
ajfa-5290	365	11	evidence	evidence	NOUN
ajfa-5290	365	12	from	from	ADP
ajfa-5290	365	13	tanzania	tanzania	PROPN
ajfa-5290	365	14	.	.	PUNCT
ajfa-5290	366	1	university	university	PROPN
ajfa-5290	366	2	of	of	ADP
ajfa-5290	366	3	stellenbosch	stellenbosch	PROPN
ajfa-5290	366	4	business	business	PROPN
ajfa-5290	366	5	school	school	PROPN
ajfa-5290	366	6	,	,	PUNCT
ajfa-5290	366	7	south	south	PROPN
ajfa-5290	366	8	africa	africa	PROPN
ajfa-5290	366	9	.	.	PUNCT
ajfa-5290	367	1	asian	asian	PROPN
ajfa-5290	367	2	journal	journal	PROPN
ajfa-5290	367	3	of	of	ADP
ajfa-5290	367	4	finance	finance	PROPN
ajfa-5290	367	5	&	&	CCONJ
ajfa-5290	367	6	accounting	accounting	PROPN
ajfa-5290	367	7	issn	issn	PROPN
ajfa-5290	367	8	1946	1946	NUM
ajfa-5290	367	9	-	-	PUNCT
ajfa-5290	367	10	052x	052x	PROPN
ajfa-5290	367	11	2014	2014	NUM
ajfa-5290	367	12	,	,	PUNCT
ajfa-5290	367	13	vol	vol	NOUN
ajfa-5290	367	14	.	.	PROPN
ajfa-5290	368	1	6	6	NUM
ajfa-5290	368	2	,	,	PUNCT
ajfa-5290	368	3	no	no	INTJ
ajfa-5290	368	4	.	.	NOUN
ajfa-5290	368	5	1	1	NUM
ajfa-5290	368	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-5290	368	7	213	213	NUM
ajfa-5290	368	8	matumo	matumo	ADJ
ajfa-5290	368	9	,	,	PUNCT
ajfa-5290	368	10	n.	n.	PROPN
ajfa-5290	368	11	g.	g.	PROPN
ajfa-5290	368	12	,	,	PUNCT
ajfa-5290	368	13	maina	maina	PROPN
ajfa-5290	368	14	,	,	PUNCT
ajfa-5290	368	15	k.	k.	PROPN
ajfa-5290	368	16	e.	e.	PROPN
ajfa-5290	368	17	&	&	CCONJ
ajfa-5290	368	18	njoroge	njoroge	PROPN
ajfa-5290	368	19	,	,	PUNCT
ajfa-5290	368	20	n.n	n.n	PROPN
ajfa-5290	368	21	.	.	PROPN
ajfa-5290	369	1	(	(	PUNCT
ajfa-5290	369	2	2013).the	2013).the	DET
ajfa-5290	369	3	impact	impact	NOUN
ajfa-5290	369	4	of	of	ADP
ajfa-5290	369	5	front	front	ADJ
ajfa-5290	369	6	office	office	NOUN
ajfa-5290	369	7	sacco	sacco	NOUN
ajfa-5290	369	8	activity	activity	NOUN
ajfa-5290	369	9	on	on	ADP
ajfa-5290	369	10	saccos	saccos	ADJ
ajfa-5290	369	11	performance	performance	NOUN
ajfa-5290	369	12	in	in	ADP
ajfa-5290	369	13	kenya	kenya	PROPN
ajfa-5290	369	14	;	;	PUNCT
ajfa-5290	369	15	a	a	DET
ajfa-5290	369	16	case	case	NOUN
ajfa-5290	369	17	study	study	NOUN
ajfa-5290	369	18	of	of	ADP
ajfa-5290	369	19	meru	meru	PROPN
ajfa-5290	369	20	south	south	PROPN
ajfa-5290	369	21	and	and	CCONJ
ajfa-5290	369	22	maara	maara	PROPN
ajfa-5290	369	23	district	district	NOUN
ajfa-5290	369	24	in	in	ADP
ajfa-5290	369	25	tharaka	tharaka	ADP
ajfa-5290	369	26	nithi	nithi	PROPN
ajfa-5290	369	27	county	county	PROPN
ajfa-5290	369	28	in	in	ADP
ajfa-5290	369	29	kenya	kenya	PROPN
ajfa-5290	369	30	.	.	PUNCT
ajfa-5290	370	1	global	global	ADJ
ajfa-5290	370	2	advanced	advanced	PROPN
ajfa-5290	370	3	research	research	PROPN
ajfa-5290	370	4	journal	journal	NOUN
ajfa-5290	370	5	of	of	ADP
ajfa-5290	370	6	management	management	NOUN
ajfa-5290	370	7	and	and	CCONJ
ajfa-5290	370	8	business	business	NOUN
ajfa-5290	370	9	studies	study	NOUN
ajfa-5290	370	10	,	,	PUNCT
ajfa-5290	370	11	2(5	2(5	NUM
ajfa-5290	370	12	)	)	PUNCT
ajfa-5290	370	13	,	,	PUNCT
ajfa-5290	370	14	285	285	NUM
ajfa-5290	370	15	-	-	SYM
ajfa-5290	370	16	290	290	NUM
ajfa-5290	370	17	.	.	PUNCT
ajfa-5290	371	1	mensah	mensah	PROPN
ajfa-5290	371	2	,	,	PUNCT
ajfa-5290	371	3	c.	c.	PROPN
ajfa-5290	371	4	(	(	PUNCT
ajfa-5290	371	5	2013	2013	NUM
ajfa-5290	371	6	)	)	PUNCT
ajfa-5290	371	7	.	.	PUNCT
ajfa-5290	372	1	the	the	DET
ajfa-5290	372	2	relationship	relationship	NOUN
ajfa-5290	372	3	between	between	ADP
ajfa-5290	372	4	loan	loan	NOUN
ajfa-5290	372	5	default	default	NOUN
ajfa-5290	372	6	and	and	CCONJ
ajfa-5290	372	7	repayment	repayment	NOUN
ajfa-5290	372	8	schedule	schedule	NOUN
ajfa-5290	372	9	in	in	ADP
ajfa-5290	372	10	microfinance	microfinance	NOUN
ajfa-5290	372	11	institutions	institution	NOUN
ajfa-5290	372	12	in	in	ADP
ajfa-5290	372	13	ghana	ghana	PROPN
ajfa-5290	372	14	:	:	PUNCT
ajfa-5290	372	15	a	a	DET
ajfa-5290	372	16	case	case	NOUN
ajfa-5290	372	17	study	study	NOUN
ajfa-5290	372	18	of	of	ADP
ajfa-5290	372	19	sinapi	sinapi	PROPN
ajfa-5290	372	20	aba	aba	PROPN
ajfa-5290	372	21	trust	trust	PROPN
ajfa-5290	372	22	.	.	PUNCT
ajfa-5290	373	1	research	research	NOUN
ajfa-5290	373	2	journal	journal	PROPN
ajfa-5290	373	3	of	of	ADP
ajfa-5290	373	4	finance	finance	NOUN
ajfa-5290	373	5	and	and	CCONJ
ajfa-5290	373	6	accounting	accounting	NOUN
ajfa-5290	373	7	,	,	PUNCT
ajfa-5290	373	8	4(19	4(19	NUM
ajfa-5290	373	9	)	)	PUNCT
ajfa-5290	373	10	,	,	PUNCT
ajfa-5290	373	11	165	165	NUM
ajfa-5290	373	12	-	-	SYM
ajfa-5290	373	13	175	175	NUM
ajfa-5290	373	14	.	.	PUNCT
ajfa-5290	374	1	mileris	mileris	PROPN
ajfa-5290	374	2	,	,	PUNCT
ajfa-5290	374	3	r.	r.	PROPN
ajfa-5290	374	4	(	(	PUNCT
ajfa-5290	374	5	2010	2010	NUM
ajfa-5290	374	6	)	)	PUNCT
ajfa-5290	374	7	.	.	PUNCT
ajfa-5290	375	1	estimation	estimation	NOUN
ajfa-5290	375	2	of	of	ADP
ajfa-5290	375	3	loan	loan	NOUN
ajfa-5290	375	4	applicants	applicant	NOUN
ajfa-5290	375	5	default	default	VERB
ajfa-5290	375	6	probability	probability	NOUN
ajfa-5290	375	7	applying	apply	VERB
ajfa-5290	375	8	discriminant	discriminant	ADJ
ajfa-5290	375	9	analysis	analysis	NOUN
ajfa-5290	375	10	and	and	CCONJ
ajfa-5290	375	11	simple	simple	ADJ
ajfa-5290	375	12	bayesian	bayesian	NOUN
ajfa-5290	375	13	classifier	classifier	NOUN
ajfa-5290	375	14	.	.	PUNCT
ajfa-5290	376	1	economics	economic	NOUN
ajfa-5290	376	2	and	and	CCONJ
ajfa-5290	376	3	management	management	NOUN
ajfa-5290	376	4	:	:	PUNCT
ajfa-5290	376	5	15	15	NUM
ajfa-5290	376	6	,	,	PUNCT
ajfa-5290	376	7	1078	1078	NUM
ajfa-5290	376	8	-	-	SYM
ajfa-5290	376	9	1084	1084	NUM
ajfa-5290	376	10	.	.	PUNCT
ajfa-5290	377	1	ministry	ministry	PROPN
ajfa-5290	377	2	of	of	ADP
ajfa-5290	377	3	finance	finance	PROPN
ajfa-5290	377	4	,	,	PUNCT
ajfa-5290	377	5	tanzania	tanzania	PROPN
ajfa-5290	377	6	(	(	PUNCT
ajfa-5290	377	7	moft	moft	PROPN
ajfa-5290	377	8	2013	2013	NUM
ajfa-5290	377	9	)	)	PUNCT
ajfa-5290	377	10	.	.	PUNCT
ajfa-5290	378	1	speech	speech	NOUN
ajfa-5290	378	2	by	by	ADP
ajfa-5290	378	3	the	the	DET
ajfa-5290	378	4	minister	minister	NOUN
ajfa-5290	378	5	for	for	ADP
ajfa-5290	378	6	finance	finance	PROPN
ajfa-5290	378	7	hon	hon	PROPN
ajfa-5290	378	8	.	.	PUNCT
ajfa-5290	379	1	dr	dr	PROPN
ajfa-5290	379	2	.	.	PROPN
ajfa-5290	379	3	william	william	PROPN
ajfa-5290	379	4	augustao	augustao	PROPN
ajfa-5290	379	5	mgimwa	mgimwa	PROPN
ajfa-5290	379	6	(	(	PUNCT
ajfa-5290	379	7	mp	mp	PROPN
ajfa-5290	379	8	)	)	PUNCT
ajfa-5290	379	9	.	.	PUNCT
ajfa-5290	380	1	the	the	DET
ajfa-5290	380	2	estimates	estimate	NOUN
ajfa-5290	380	3	of	of	ADP
ajfa-5290	380	4	government	government	NOUN
ajfa-5290	380	5	revenue	revenue	NOUN
ajfa-5290	380	6	and	and	CCONJ
ajfa-5290	380	7	expenditure	expenditure	NOUN
ajfa-5290	380	8	for	for	ADP
ajfa-5290	380	9	the	the	DET
ajfa-5290	380	10	fiscal	fiscal	ADJ
ajfa-5290	380	11	year	year	NOUN
ajfa-5290	380	12	2012/2013	2012/2013	NUM
ajfa-5290	380	13	and	and	CCONJ
ajfa-5290	380	14	2013/2014	2013/2014	NUM
ajfa-5290	380	15	.	.	PUNCT
ajfa-5290	381	1	misra	misra	PROPN
ajfa-5290	381	2	,	,	PUNCT
ajfa-5290	381	3	b.	b.	PROPN
ajfa-5290	381	4	s.	s.	PROPN
ajfa-5290	381	5	(	(	PUNCT
ajfa-5290	381	6	2010	2010	NUM
ajfa-5290	381	7	)	)	PUNCT
ajfa-5290	381	8	.	.	PUNCT
ajfa-5290	382	1	performance	performance	NOUN
ajfa-5290	382	2	of	of	ADP
ajfa-5290	382	3	primary	primary	ADJ
ajfa-5290	382	4	cooperatives	cooperative	NOUN
ajfa-5290	382	5	in	in	ADP
ajfa-5290	382	6	india	india	PROPN
ajfa-5290	382	7	:	:	PUNCT
ajfa-5290	382	8	an	an	DET
ajfa-5290	382	9	empirical	empirical	ADJ
ajfa-5290	382	10	analysis	analysis	NOUN
ajfa-5290	382	11	.	.	PUNCT
ajfa-5290	383	1	mpra	mpra	PROPN
ajfa-5290	383	2	paper	paper	PROPN
ajfa-5290	383	3	no	no	INTJ
ajfa-5290	383	4	.	.	PUNCT
ajfa-5290	384	1	21890	21890	NUM
ajfa-5290	384	2	.	.	PUNCT
ajfa-5290	385	1	mohammed	mohammed	PROPN
ajfa-5290	385	2	,	,	PUNCT
ajfa-5290	385	3	s.	s.	PROPN
ajfa-5290	385	4	(	(	PUNCT
ajfa-5290	385	5	2011	2011	NUM
ajfa-5290	385	6	)	)	PUNCT
ajfa-5290	385	7	.	.	PUNCT
ajfa-5290	386	1	financing	financing	NOUN
ajfa-5290	386	2	strategies	strategy	NOUN
ajfa-5290	386	3	,	,	PUNCT
ajfa-5290	386	4	financial	financial	ADJ
ajfa-5290	386	5	sustainability	sustainability	NOUN
ajfa-5290	386	6	and	and	CCONJ
ajfa-5290	386	7	outreach	outreach	NOUN
ajfa-5290	386	8	of	of	ADP
ajfa-5290	386	9	saccos	saccos	PROPN
ajfa-5290	386	10	in	in	ADP
ajfa-5290	386	11	uganda	uganda	PROPN
ajfa-5290	386	12	.	.	PUNCT
ajfa-5290	387	1	unpublished	unpublished	PROPN
ajfa-5290	387	2	msc	msc	PROPN
ajfa-5290	387	3	.	.	PUNCT
ajfa-5290	388	1	thesis	thesis	NOUN
ajfa-5290	388	2	,	,	PUNCT
ajfa-5290	388	3	university	university	NOUN
ajfa-5290	388	4	of	of	ADP
ajfa-5290	388	5	makerere	makerere	NOUN
ajfa-5290	388	6	.	.	PUNCT
ajfa-5290	389	1	mosongo	mosongo	PROPN
ajfa-5290	389	2	,	,	PUNCT
ajfa-5290	389	3	e.	e.	PROPN
ajfa-5290	389	4	,	,	PUNCT
ajfa-5290	389	5	gichana	gichana	PROPN
ajfa-5290	389	6	,	,	PUNCT
ajfa-5290	389	7	i.	i.	PROPN
ajfa-5290	389	8	,	,	PUNCT
ajfa-5290	389	9	ithai	ithai	PROPN
ajfa-5290	389	10	,	,	PUNCT
ajfa-5290	389	11	j.	j.	PROPN
ajfa-5290	389	12	&	&	CCONJ
ajfa-5290	389	13	nguta	nguta	PROPN
ajfa-5290	389	14	,	,	PUNCT
ajfa-5290	389	15	m.	m.	NOUN
ajfa-5290	389	16	(	(	PUNCT
ajfa-5290	389	17	2013	2013	NUM
ajfa-5290	389	18	)	)	PUNCT
ajfa-5290	389	19	.	.	PUNCT
ajfa-5290	390	1	financial	financial	ADJ
ajfa-5290	390	2	innovation	innovation	NOUN
ajfa-5290	390	3	and	and	CCONJ
ajfa-5290	390	4	financial	financial	ADJ
ajfa-5290	390	5	performance	performance	NOUN
ajfa-5290	390	6	:	:	PUNCT
ajfa-5290	390	7	a	a	DET
ajfa-5290	390	8	case	case	NOUN
ajfa-5290	390	9	of	of	ADP
ajfa-5290	390	10	saccos	saccos	PROPN
ajfa-5290	390	11	in	in	ADP
ajfa-5290	390	12	nairobi	nairobi	PROPN
ajfa-5290	390	13	county	county	PROPN
ajfa-5290	390	14	.	.	PUNCT
ajfa-5290	391	1	international	international	ADJ
ajfa-5290	391	2	journal	journal	PROPN
ajfa-5290	391	3	of	of	ADP
ajfa-5290	391	4	research	research	NOUN
ajfa-5290	391	5	in	in	ADP
ajfa-5290	391	6	management	management	NOUN
ajfa-5290	391	7	,	,	PUNCT
ajfa-5290	391	8	5(3	5(3	NUM
ajfa-5290	391	9	)	)	PUNCT
ajfa-5290	391	10	,	,	PUNCT
ajfa-5290	391	11	93	93	NUM
ajfa-5290	391	12	-	-	SYM
ajfa-5290	391	13	100	100	NUM
ajfa-5290	391	14	.	.	PUNCT
ajfa-5290	392	1	mpiira	mpiira	PROPN
ajfa-5290	392	2	,	,	PUNCT
ajfa-5290	392	3	s.	s.	PROPN
ajfa-5290	392	4	,	,	PUNCT
ajfa-5290	392	5	kiiza	kiiza	PROPN
ajfa-5290	392	6	,	,	PUNCT
ajfa-5290	392	7	b.	b.	PROPN
ajfa-5290	392	8	,	,	PUNCT
ajfa-5290	392	9	katungi	katungi	PROPN
ajfa-5290	392	10	,	,	PUNCT
ajfa-5290	392	11	e.	e.	PROPN
ajfa-5290	392	12	,	,	PUNCT
ajfa-5290	392	13	staver	staver	PROPN
ajfa-5290	392	14	,	,	PUNCT
ajfa-5290	392	15	c.	c.	PROPN
ajfa-5290	392	16	,	,	PUNCT
ajfa-5290	392	17	tabuti	tabuti	PROPN
ajfa-5290	392	18	,	,	PUNCT
ajfa-5290	392	19	j.	j.	PROPN
ajfa-5290	392	20	s.	s.	PROPN
ajfa-5290	392	21	,	,	PUNCT
ajfa-5290	392	22	kyotalimye	kyotalimye	NOUN
ajfa-5290	392	23	,	,	PUNCT
ajfa-5290	392	24	m.	m.	NOUN
ajfa-5290	392	25	muwumba	muwumba	NOUN
ajfa-5290	392	26	,	,	PUNCT
ajfa-5290	392	27	p.	p.	NOUN
ajfa-5290	392	28	,	,	PUNCT
ajfa-5290	392	29	karamura	karamura	PROPN
ajfa-5290	392	30	,	,	PUNCT
ajfa-5290	392	31	e.	e.	PROPN
ajfa-5290	392	32	&	&	CCONJ
ajfa-5290	392	33	tushemereirwe	tushemereirwe	PROPN
ajfa-5290	392	34	,	,	PUNCT
ajfa-5290	392	35	w.	w.	PROPN
ajfa-5290	392	36	k.	k.	PROPN
ajfa-5290	392	37	(	(	PUNCT
ajfa-5290	392	38	2013	2013	NUM
ajfa-5290	392	39	)	)	PUNCT
ajfa-5290	392	40	.	.	PUNCT
ajfa-5290	393	1	factors	factor	NOUN
ajfa-5290	393	2	influencing	influence	VERB
ajfa-5290	393	3	households	household	NOUN
ajfa-5290	393	4	participation	participation	NOUN
ajfa-5290	393	5	in	in	ADP
ajfa-5290	393	6	the	the	DET
ajfa-5290	393	7	savings	saving	NOUN
ajfa-5290	393	8	and	and	CCONJ
ajfa-5290	393	9	credit	credit	NOUN
ajfa-5290	393	10	cooperative	cooperative	NOUN
ajfa-5290	393	11	(	(	PUNCT
ajfa-5290	393	12	sacco	sacco	NOUN
ajfa-5290	393	13	)	)	PUNCT
ajfa-5290	393	14	programmes	programme	NOUN
ajfa-5290	393	15	in	in	ADP
ajfa-5290	393	16	uganda	uganda	PROPN
ajfa-5290	393	17	.	.	PUNCT
ajfa-5290	394	1	african	african	ADJ
ajfa-5290	394	2	journal	journal	PROPN
ajfa-5290	394	3	of	of	ADP
ajfa-5290	394	4	agricultural	agricultural	ADJ
ajfa-5290	394	5	research	research	NOUN
ajfa-5290	394	6	,	,	PUNCT
ajfa-5290	394	7	8(43	8(43	NUM
ajfa-5290	394	8	)	)	PUNCT
ajfa-5290	394	9	,	,	PUNCT
ajfa-5290	394	10	5276	5276	NUM
ajfa-5290	394	11	-	-	SYM
ajfa-5290	394	12	5284	5284	NUM
ajfa-5290	394	13	.	.	PUNCT
ajfa-5290	395	1	mwangi	mwangi	PROPN
ajfa-5290	395	2	,	,	PUNCT
ajfa-5290	395	3	i.	i.	PROPN
ajfa-5290	395	4	w.	w.	PROPN
ajfa-5290	395	5	&	&	CCONJ
ajfa-5290	395	6	wanjau	wanjau	PROPN
ajfa-5290	395	7	,	,	PUNCT
ajfa-5290	395	8	k.	k.	PROPN
ajfa-5290	395	9	l.	l.	PROPN
ajfa-5290	395	10	(	(	PUNCT
ajfa-5290	395	11	2013	2013	NUM
ajfa-5290	395	12	)	)	PUNCT
ajfa-5290	395	13	.	.	PUNCT
ajfa-5290	396	1	the	the	DET
ajfa-5290	396	2	role	role	NOUN
ajfa-5290	396	3	of	of	ADP
ajfa-5290	396	4	sacco	sacco	NOUN
ajfa-5290	396	5	in	in	ADP
ajfa-5290	396	6	growth	growth	NOUN
ajfa-5290	396	7	of	of	ADP
ajfa-5290	396	8	youth	youth	NOUN
ajfa-5290	396	9	entrepreneurship	entrepreneurship	NOUN
ajfa-5290	396	10	in	in	ADP
ajfa-5290	396	11	kenya	kenya	PROPN
ajfa-5290	396	12	:	:	PUNCT
ajfa-5290	396	13	a	a	DET
ajfa-5290	396	14	case	case	NOUN
ajfa-5290	396	15	of	of	ADP
ajfa-5290	396	16	nairobi	nairobi	PROPN
ajfa-5290	396	17	county	county	PROPN
ajfa-5290	396	18	.	.	PUNCT
ajfa-5290	397	1	greener	green	ADJ
ajfa-5290	397	2	journal	journal	PROPN
ajfa-5290	397	3	of	of	ADP
ajfa-5290	397	4	business	business	NOUN
ajfa-5290	397	5	and	and	CCONJ
ajfa-5290	397	6	management	management	NOUN
ajfa-5290	397	7	studies	study	NOUN
ajfa-5290	397	8	,	,	PUNCT
ajfa-5290	397	9	3(3	3(3	NUM
ajfa-5290	397	10	)	)	PUNCT
ajfa-5290	397	11	,	,	PUNCT
ajfa-5290	397	12	113	113	NUM
ajfa-5290	397	13	-	-	SYM
ajfa-5290	397	14	118	118	NUM
ajfa-5290	397	15	.	.	PUNCT
ajfa-5290	398	1	ndiege	ndiege	PROPN
ajfa-5290	398	2	,	,	PUNCT
ajfa-5290	398	3	b.o	b.o	PROPN
ajfa-5290	398	4	.	.	PROPN
ajfa-5290	398	5	,	,	PUNCT
ajfa-5290	398	6	haule	haule	PROPN
ajfa-5290	398	7	,	,	PUNCT
ajfa-5290	398	8	t.	t.	PROPN
ajfa-5290	398	9	b.	b.	PROPN
ajfa-5290	398	10	&	&	CCONJ
ajfa-5290	398	11	kazungu	kazungu	PROPN
ajfa-5290	398	12	,	,	PUNCT
ajfa-5290	398	13	i.	i.	PROPN
ajfa-5290	398	14	(	(	PUNCT
ajfa-5290	398	15	2013	2013	NUM
ajfa-5290	398	16	)	)	PUNCT
ajfa-5290	398	17	.	.	PUNCT
ajfa-5290	399	1	relationship	relationship	NOUN
ajfa-5290	399	2	between	between	ADP
ajfa-5290	399	3	sources	source	NOUN
ajfa-5290	399	4	of	of	ADP
ajfa-5290	399	5	funds	fund	NOUN
ajfa-5290	399	6	and	and	CCONJ
ajfa-5290	399	7	outreach	outreach	NOUN
ajfa-5290	399	8	in	in	ADP
ajfa-5290	399	9	savings	saving	NOUN
ajfa-5290	399	10	and	and	CCONJ
ajfa-5290	399	11	credits	credit	NOUN
ajfa-5290	399	12	cooperatives	cooperative	NOUN
ajfa-5290	399	13	societies	society	NOUN
ajfa-5290	399	14	:	:	PUNCT
ajfa-5290	399	15	tanzanian	tanzanian	ADJ
ajfa-5290	399	16	case	case	NOUN
ajfa-5290	399	17	.	.	PUNCT
ajfa-5290	400	1	european	european	PROPN
ajfa-5290	400	2	journal	journal	PROPN
ajfa-5290	400	3	of	of	ADP
ajfa-5290	400	4	business	business	NOUN
ajfa-5290	400	5	and	and	CCONJ
ajfa-5290	400	6	management	management	NOUN
ajfa-5290	400	7	,	,	PUNCT
ajfa-5290	400	8	5(9	5(9	NUM
ajfa-5290	400	9	)	)	PUNCT
ajfa-5290	400	10	,	,	PUNCT
ajfa-5290	400	11	188	188	NUM
ajfa-5290	400	12	-	-	SYM
ajfa-5290	400	13	196	196	NUM
ajfa-5290	400	14	.	.	PUNCT
ajfa-5290	401	1	nyamsogoro	nyamsogoro	PROPN
ajfa-5290	401	2	,	,	PUNCT
ajfa-5290	401	3	d.	d.	PROPN
ajfa-5290	401	4	(	(	PUNCT
ajfa-5290	401	5	2010	2010	NUM
ajfa-5290	401	6	)	)	PUNCT
ajfa-5290	401	7	.	.	PUNCT
ajfa-5290	402	1	financial	financial	ADJ
ajfa-5290	402	2	sustainability	sustainability	NOUN
ajfa-5290	402	3	of	of	ADP
ajfa-5290	402	4	rural	rural	ADJ
ajfa-5290	402	5	microfinance	microfinance	NOUN
ajfa-5290	402	6	in	in	ADP
ajfa-5290	402	7	tanzania	tanzania	PROPN
ajfa-5290	402	8	.	.	PUNCT
ajfa-5290	403	1	unpublished	unpublished	ADJ
ajfa-5290	403	2	phd	phd	NOUN
ajfa-5290	403	3	thesis	thesis	NOUN
ajfa-5290	403	4	,	,	PUNCT
ajfa-5290	403	5	university	university	NOUN
ajfa-5290	403	6	of	of	ADP
ajfa-5290	403	7	greenwhich	greenwhich	PROPN
ajfa-5290	403	8	.	.	PUNCT
ajfa-5290	404	1	odera	odera	NOUN
ajfa-5290	404	2	,	,	PUNCT
ajfa-5290	404	3	o.	o.	PROPN
ajfa-5290	404	4	(	(	PUNCT
ajfa-5290	404	5	2012	2012	NUM
ajfa-5290	404	6	)	)	PUNCT
ajfa-5290	404	7	.	.	PUNCT
ajfa-5290	405	1	corporate	corporate	ADJ
ajfa-5290	405	2	governance	governance	NOUN
ajfa-5290	405	3	problems	problem	NOUN
ajfa-5290	405	4	of	of	ADP
ajfa-5290	405	5	savings	saving	NOUN
ajfa-5290	405	6	,	,	PUNCT
ajfa-5290	405	7	credit	credit	NOUN
ajfa-5290	405	8	and	and	CCONJ
ajfa-5290	405	9	cooperative	cooperative	ADJ
ajfa-5290	405	10	societies	society	NOUN
ajfa-5290	405	11	.	.	PUNCT
ajfa-5290	406	1	international	international	ADJ
ajfa-5290	406	2	journal	journal	PROPN
ajfa-5290	406	3	of	of	ADP
ajfa-5290	406	4	academic	academic	ADJ
ajfa-5290	406	5	research	research	NOUN
ajfa-5290	406	6	in	in	ADP
ajfa-5290	406	7	business	business	NOUN
ajfa-5290	406	8	and	and	CCONJ
ajfa-5290	406	9	social	social	ADJ
ajfa-5290	406	10	sciences	science	NOUN
ajfa-5290	406	11	,	,	PUNCT
ajfa-5290	406	12	2(11	2(11	NUM
ajfa-5290	406	13	)	)	PUNCT
ajfa-5290	406	14	,	,	PUNCT
ajfa-5290	406	15	89	89	NUM
ajfa-5290	406	16	-	-	SYM
ajfa-5290	406	17	103	103	NUM
ajfa-5290	406	18	.	.	PUNCT
ajfa-5290	407	1	ojiako	ojiako	PROPN
ajfa-5290	407	2	,	,	PUNCT
ajfa-5290	407	3	i.	i.	PROPN
ajfa-5290	407	4	a.	a.	PROPN
ajfa-5290	407	5	&	&	CCONJ
ajfa-5290	407	6	ogbukwa	ogbukwa	PROPN
ajfa-5290	407	7	,	,	PUNCT
ajfa-5290	407	8	b.	b.	PROPN
ajfa-5290	407	9	c.	c.	PROPN
ajfa-5290	407	10	(	(	PUNCT
ajfa-5290	407	11	2012	2012	NUM
ajfa-5290	407	12	)	)	PUNCT
ajfa-5290	407	13	.	.	PUNCT
ajfa-5290	408	1	economic	economic	ADJ
ajfa-5290	408	2	analysis	analysis	NOUN
ajfa-5290	408	3	of	of	ADP
ajfa-5290	408	4	loan	loan	NOUN
ajfa-5290	408	5	repayment	repayment	NOUN
ajfa-5290	408	6	capacity	capacity	NOUN
ajfa-5290	408	7	of	of	ADP
ajfa-5290	408	8	smallholder	smallholder	NOUN
ajfa-5290	408	9	cooperative	cooperative	ADJ
ajfa-5290	408	10	farmers	farmer	NOUN
ajfa-5290	408	11	in	in	ADP
ajfa-5290	408	12	yewa	yewa	PROPN
ajfa-5290	408	13	north	north	PROPN
ajfa-5290	408	14	local	local	ADJ
ajfa-5290	408	15	government	government	NOUN
ajfa-5290	408	16	area	area	NOUN
ajfa-5290	408	17	of	of	ADP
ajfa-5290	408	18	ogun	ogun	PROPN
ajfa-5290	408	19	state	state	PROPN
ajfa-5290	408	20	,	,	PUNCT
ajfa-5290	408	21	nigeria	nigeria	PROPN
ajfa-5290	408	22	.	.	PUNCT
ajfa-5290	409	1	african	african	ADJ
ajfa-5290	409	2	journal	journal	PROPN
ajfa-5290	409	3	of	of	ADP
ajfa-5290	409	4	agricultural	agricultural	ADJ
ajfa-5290	409	5	research	research	NOUN
ajfa-5290	409	6	,	,	PUNCT
ajfa-5290	409	7	7(13	7(13	NUM
ajfa-5290	409	8	)	)	PUNCT
ajfa-5290	409	9	,	,	PUNCT
ajfa-5290	409	10	2051	2051	NUM
ajfa-5290	409	11	-	-	SYM
ajfa-5290	409	12	2062	2062	NUM
ajfa-5290	409	13	.	.	PUNCT
ajfa-5290	410	1	asian	asian	ADJ
ajfa-5290	410	2	journal	journal	PROPN
ajfa-5290	410	3	of	of	ADP
ajfa-5290	410	4	finance	finance	PROPN
ajfa-5290	410	5	&	&	CCONJ
ajfa-5290	410	6	accounting	accounting	PROPN
ajfa-5290	410	7	issn	issn	PROPN
ajfa-5290	410	8	1946	1946	NUM
ajfa-5290	410	9	-	-	PUNCT
ajfa-5290	410	10	052x	052x	PROPN
ajfa-5290	410	11	2014	2014	NUM
ajfa-5290	410	12	,	,	PUNCT
ajfa-5290	410	13	vol	vol	NOUN
ajfa-5290	410	14	.	.	PROPN
ajfa-5290	411	1	6	6	NUM
ajfa-5290	411	2	,	,	PUNCT
ajfa-5290	411	3	no	no	INTJ
ajfa-5290	411	4	.	.	NOUN
ajfa-5290	411	5	1	1	NUM
ajfa-5290	411	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-5290	411	7	214	214	NUM
ajfa-5290	411	8	oladeebo	oladeebo	NOUN
ajfa-5290	411	9	,	,	PUNCT
ajfa-5290	411	10	j.	j.	PROPN
ajfa-5290	411	11	o.	o.	PROPN
ajfa-5290	411	12	&	&	CCONJ
ajfa-5290	411	13	oladeebo	oladeebo	PROPN
ajfa-5290	411	14	,	,	PUNCT
ajfa-5290	411	15	o.	o.	PROPN
ajfa-5290	411	16	e.	e.	PROPN
ajfa-5290	411	17	(	(	PUNCT
ajfa-5290	411	18	2008	2008	NUM
ajfa-5290	411	19	)	)	PUNCT
ajfa-5290	411	20	,	,	PUNCT
ajfa-5290	411	21	determinants	determinant	NOUN
ajfa-5290	411	22	of	of	ADP
ajfa-5290	411	23	loan	loan	NOUN
ajfa-5290	411	24	repayment	repayment	NOUN
ajfa-5290	411	25	among	among	ADP
ajfa-5290	411	26	smallholder	smallholder	NOUN
ajfa-5290	411	27	farmers	farmer	NOUN
ajfa-5290	411	28	in	in	ADP
ajfa-5290	411	29	ogbomoso	ogbomoso	ADJ
ajfa-5290	411	30	agricultural	agricultural	ADJ
ajfa-5290	411	31	zone	zone	NOUN
ajfa-5290	411	32	of	of	ADP
ajfa-5290	411	33	oyo	oyo	NOUN
ajfa-5290	411	34	state	state	NOUN
ajfa-5290	411	35	,	,	PUNCT
ajfa-5290	411	36	nigeria	nigeria	PROPN
ajfa-5290	411	37	.	.	PUNCT
ajfa-5290	412	1	journal	journal	PROPN
ajfa-5290	412	2	of	of	ADP
ajfa-5290	412	3	socio	socio	NOUN
ajfa-5290	412	4	science	science	NOUN
ajfa-5290	412	5	,	,	PUNCT
ajfa-5290	412	6	17(1	17(1	NUM
ajfa-5290	412	7	)	)	PUNCT
ajfa-5290	412	8	,	,	PUNCT
ajfa-5290	412	9	59	59	NUM
ajfa-5290	412	10	-	-	SYM
ajfa-5290	412	11	62	62	NUM
ajfa-5290	412	12	.	.	PUNCT
ajfa-5290	413	1	olando	olando	PROPN
ajfa-5290	413	2	,	,	PUNCT
ajfa-5290	413	3	c.	c.	PROPN
ajfa-5290	413	4	o.	o.	PROPN
ajfa-5290	413	5	,	,	PUNCT
ajfa-5290	413	6	jagongo	jagongo	PROPN
ajfa-5290	413	7	,	,	PUNCT
ajfa-5290	413	8	a.	a.	PROPN
ajfa-5290	413	9	&	&	CCONJ
ajfa-5290	413	10	martin	martin	PROPN
ajfa-5290	413	11	,	,	PUNCT
ajfa-5290	413	12	o.	o.	PROPN
ajfa-5290	413	13	m.	m.	NOUN
ajfa-5290	413	14	(	(	PUNCT
ajfa-5290	413	15	2013).the	2013).the	DET
ajfa-5290	413	16	contribution	contribution	NOUN
ajfa-5290	413	17	of	of	ADP
ajfa-5290	413	18	sacco	sacco	PROPN
ajfa-5290	413	19	financial	financial	ADJ
ajfa-5290	413	20	stewardship	stewardship	NOUN
ajfa-5290	413	21	to	to	ADP
ajfa-5290	413	22	growth	growth	NOUN
ajfa-5290	413	23	of	of	ADP
ajfa-5290	413	24	saccos	saccos	PROPN
ajfa-5290	413	25	in	in	ADP
ajfa-5290	413	26	kenya	kenya	PROPN
ajfa-5290	413	27	.	.	PUNCT
ajfa-5290	414	1	international	international	ADJ
ajfa-5290	414	2	journal	journal	PROPN
ajfa-5290	414	3	of	of	ADP
ajfa-5290	414	4	humanities	humanity	NOUN
ajfa-5290	414	5	and	and	CCONJ
ajfa-5290	414	6	social	social	ADJ
ajfa-5290	414	7	science	science	NOUN
ajfa-5290	414	8	,	,	PUNCT
ajfa-5290	414	9	3(17	3(17	NUM
ajfa-5290	414	10	)	)	PUNCT
ajfa-5290	414	11	,	,	PUNCT
ajfa-5290	414	12	112	112	NUM
ajfa-5290	414	13	-	-	SYM
ajfa-5290	414	14	137	137	NUM
ajfa-5290	414	15	.	.	PUNCT
ajfa-5290	415	1	onchangwa	onchangwa	PROPN
ajfa-5290	415	2	,	,	PUNCT
ajfa-5290	415	3	g.	g.	PROPN
ajfa-5290	415	4	a.	a.	PROPN
ajfa-5290	415	5	&	&	CCONJ
ajfa-5290	415	6	memba	memba	PROPN
ajfa-5290	415	7	,	,	PUNCT
ajfa-5290	415	8	f.	f.	PROPN
ajfa-5290	415	9	s.	s.	PROPN
ajfa-5290	415	10	(	(	PUNCT
ajfa-5290	415	11	2012	2012	NUM
ajfa-5290	415	12	)	)	PUNCT
ajfa-5290	415	13	.	.	PUNCT
ajfa-5290	416	1	does	do	AUX
ajfa-5290	416	2	savings	saving	NOUN
ajfa-5290	416	3	and	and	CCONJ
ajfa-5290	416	4	credit	credit	NOUN
ajfa-5290	416	5	cooperative	cooperative	ADJ
ajfa-5290	416	6	societies	society	NOUN
ajfa-5290	416	7	(	(	PUNCT
ajfa-5290	416	8	saccos	sacco	NOUN
ajfa-5290	416	9	)	)	PUNCT
ajfa-5290	416	10	have	have	VERB
ajfa-5290	416	11	any	any	DET
ajfa-5290	416	12	effect	effect	NOUN
ajfa-5290	416	13	on	on	ADP
ajfa-5290	416	14	members	member	NOUN
ajfa-5290	416	15	’	'	PUNCT
ajfa-5290	416	16	investment	investment	NOUN
ajfa-5290	416	17	culture	culture	NOUN
ajfa-5290	416	18	in	in	ADP
ajfa-5290	416	19	kenya	kenya	PROPN
ajfa-5290	416	20	?	?	PUNCT
ajfa-5290	417	1	international	international	ADJ
ajfa-5290	417	2	journal	journal	PROPN
ajfa-5290	417	3	of	of	ADP
ajfa-5290	417	4	arts	art	NOUN
ajfa-5290	417	5	and	and	CCONJ
ajfa-5290	417	6	commerce	commerce	NOUN
ajfa-5290	417	7	,	,	PUNCT
ajfa-5290	417	8	1(6	1(6	NUM
ajfa-5290	417	9	)	)	PUNCT
ajfa-5290	417	10	,	,	PUNCT
ajfa-5290	417	11	160	160	NUM
ajfa-5290	417	12	-	-	SYM
ajfa-5290	417	13	166	166	NUM
ajfa-5290	417	14	.	.	PUNCT
ajfa-5290	418	1	ondieki	ondieki	PROPN
ajfa-5290	418	2	,	,	PUNCT
ajfa-5290	418	3	a.	a.	NOUN
ajfa-5290	418	4	n.	n.	PROPN
ajfa-5290	418	5	,	,	PUNCT
ajfa-5290	418	6	okioga	okioga	PROPN
ajfa-5290	418	7	c.	c.	PROPN
ajfa-5290	418	8	,	,	PUNCT
ajfa-5290	418	9	okwena	okwena	NOUN
ajfa-5290	418	10	,	,	PUNCT
ajfa-5290	418	11	d.	d.	PROPN
ajfa-5290	418	12	k.	k.	PROPN
ajfa-5290	418	13	&	&	CCONJ
ajfa-5290	418	14	onsase	onsase	PROPN
ajfa-5290	418	15	,	,	PUNCT
ajfa-5290	418	16	a.	a.	PROPN
ajfa-5290	418	17	(	(	PUNCT
ajfa-5290	418	18	n.d	n.d	PROPN
ajfa-5290	418	19	)	)	PUNCT
ajfa-5290	418	20	.	.	PUNCT
ajfa-5290	419	1	assessment	assessment	NOUN
ajfa-5290	419	2	of	of	ADP
ajfa-5290	419	3	the	the	DET
ajfa-5290	419	4	effect	effect	NOUN
ajfa-5290	419	5	of	of	ADP
ajfa-5290	419	6	external	external	ADJ
ajfa-5290	419	7	financing	financing	NOUN
ajfa-5290	419	8	on	on	ADP
ajfa-5290	419	9	financial	financial	ADJ
ajfa-5290	419	10	performance	performance	NOUN
ajfa-5290	419	11	of	of	ADP
ajfa-5290	419	12	savings	saving	NOUN
ajfa-5290	419	13	and	and	CCONJ
ajfa-5290	419	14	credit	credit	NOUN
ajfa-5290	419	15	cooperatives	cooperative	NOUN
ajfa-5290	419	16	in	in	ADP
ajfa-5290	419	17	kisii	kisii	ADJ
ajfa-5290	419	18	central	central	PROPN
ajfa-5290	419	19	district	district	PROPN
ajfa-5290	419	20	,	,	PUNCT
ajfa-5290	419	21	kenya	kenya	PROPN
ajfa-5290	419	22	.	.	PUNCT
ajfa-5290	420	1	available	available	ADJ
ajfa-5290	420	2	online	online	ADV
ajfa-5290	420	3	at	at	ADP
ajfa-5290	420	4	http://elearning.jkuat.ac.ke/journals/ojs/index.php/jscp/article/viewfile/842/753	http://elearning.jkuat.ac.ke/journals/ojs/index.php/jscp/article/viewfile/842/753	NOUN
ajfa-5290	420	5	(	(	PUNCT
ajfa-5290	420	6	march	march	PROPN
ajfa-5290	420	7	06	06	NUM
ajfa-5290	420	8	,	,	PUNCT
ajfa-5290	420	9	2014	2014	NUM
ajfa-5290	420	10	)	)	PUNCT
ajfa-5290	420	11	onsase	onsase	NOUN
ajfa-5290	420	12	,	,	PUNCT
ajfa-5290	420	13	a.	a.	NOUN
ajfa-5290	420	14	,	,	PUNCT
ajfa-5290	420	15	okioga	okioga	PROPN
ajfa-5290	420	16	,	,	PUNCT
ajfa-5290	420	17	c.	c.	NOUN
ajfa-5290	420	18	,	,	PUNCT
ajfa-5290	420	19	okwena	okwena	NOUN
ajfa-5290	420	20	,	,	PUNCT
ajfa-5290	420	21	d.	d.	PROPN
ajfa-5290	420	22	k.	k.	PROPN
ajfa-5290	420	23	&	&	CCONJ
ajfa-5290	420	24	ondieki	ondieki	PROPN
ajfa-5290	420	25	,	,	PUNCT
ajfa-5290	420	26	a.	a.	PROPN
ajfa-5290	420	27	n.	n.	PROPN
ajfa-5290	420	28	n.	n.	PROPN
ajfa-5290	420	29	(	(	PUNCT
ajfa-5290	420	30	n.d	n.d	PROPN
ajfa-5290	420	31	)	)	PUNCT
ajfa-5290	420	32	.	.	PUNCT
ajfa-5290	421	1	assessment	assessment	NOUN
ajfa-5290	421	2	of	of	ADP
ajfa-5290	421	3	the	the	DET
ajfa-5290	421	4	effects	effect	NOUN
ajfa-5290	421	5	of	of	ADP
ajfa-5290	421	6	performance	performance	NOUN
ajfa-5290	421	7	management	management	NOUN
ajfa-5290	421	8	practices	practice	NOUN
ajfa-5290	421	9	on	on	ADP
ajfa-5290	421	10	provision	provision	NOUN
ajfa-5290	421	11	of	of	ADP
ajfa-5290	421	12	financial	financial	ADJ
ajfa-5290	421	13	services	service	NOUN
ajfa-5290	421	14	by	by	ADP
ajfa-5290	421	15	savings	saving	NOUN
ajfa-5290	421	16	and	and	CCONJ
ajfa-5290	421	17	credit	credit	NOUN
ajfa-5290	421	18	cooperative	cooperative	ADJ
ajfa-5290	421	19	societies	society	NOUN
ajfa-5290	421	20	:	:	PUNCT
ajfa-5290	421	21	a	a	DET
ajfa-5290	421	22	case	case	NOUN
ajfa-5290	421	23	of	of	ADP
ajfa-5290	421	24	gusii	gusii	ADJ
ajfa-5290	421	25	mwalimu	mwalimu	NOUN
ajfa-5290	421	26	sacco	sacco	PROPN
ajfa-5290	421	27	,	,	PUNCT
ajfa-5290	421	28	kisii	kisii	ADJ
ajfa-5290	421	29	central	central	ADJ
ajfa-5290	421	30	district	district	PROPN
ajfa-5290	421	31	,	,	PUNCT
ajfa-5290	421	32	kenya	kenya	PROPN
ajfa-5290	421	33	.	.	PUNCT
ajfa-5290	422	1	available	available	ADJ
ajfa-5290	422	2	online	online	ADV
ajfa-5290	422	3	at	at	ADP
ajfa-5290	422	4	elearning.jkuat.ac.ke/journals/ojs/index.php/jscp/article/download/850/761	elearning.jkuat.ac.ke/journals/ojs/index.php/jscp/article/download/850/761	PROPN
ajfa-5290	422	5	(	(	PUNCT
ajfa-5290	422	6	march	march	PROPN
ajfa-5290	422	7	06	06	NUM
ajfa-5290	422	8	,	,	PUNCT
ajfa-5290	422	9	2014	2014	NUM
ajfa-5290	422	10	)	)	PUNCT
ajfa-5290	422	11	piprek	piprek	NOUN
ajfa-5290	422	12	(	(	PUNCT
ajfa-5290	422	13	2007	2007	NUM
ajfa-5290	422	14	)	)	PUNCT
ajfa-5290	422	15	.	.	PUNCT
ajfa-5290	423	1	linking	link	VERB
ajfa-5290	423	2	with	with	ADP
ajfa-5290	423	3	savings	saving	NOUN
ajfa-5290	423	4	and	and	CCONJ
ajfa-5290	423	5	credit	credit	NOUN
ajfa-5290	423	6	cooperatives	cooperative	NOUN
ajfa-5290	423	7	(	(	PUNCT
ajfa-5290	423	8	saccos	sacco	NOUN
ajfa-5290	423	9	)	)	PUNCT
ajfa-5290	423	10	to	to	PART
ajfa-5290	423	11	expand	expand	VERB
ajfa-5290	423	12	financial	financial	ADJ
ajfa-5290	423	13	access	access	NOUN
ajfa-5290	423	14	in	in	ADP
ajfa-5290	423	15	rural	rural	ADJ
ajfa-5290	423	16	areas	area	NOUN
ajfa-5290	423	17	:	:	PUNCT
ajfa-5290	423	18	a	a	DET
ajfa-5290	423	19	case	case	NOUN
ajfa-5290	423	20	study	study	NOUN
ajfa-5290	423	21	of	of	ADP
ajfa-5290	423	22	crdb	crdb	PROPN
ajfa-5290	423	23	bank	bank	PROPN
ajfa-5290	423	24	in	in	ADP
ajfa-5290	423	25	tanzania	tanzania	PROPN
ajfa-5290	423	26	.	.	PUNCT
ajfa-5290	424	1	available	available	ADJ
ajfa-5290	424	2	online	online	ADV
ajfa-5290	424	3	at	at	ADP
ajfa-5290	424	4	http://www.ruralfinance.org/fileadmin/templates/rflc/documents/1188984200805_crdb_ta	http://www.ruralfinance.org/fileadmin/templates/rflc/documents/1188984200805_crdb_ta	PROPN
ajfa-5290	424	5	nzania.pdf	nzania.pdf	X
ajfa-5290	424	6	(	(	PUNCT
ajfa-5290	424	7	february	february	PROPN
ajfa-5290	424	8	27	27	NUM
ajfa-5290	424	9	,	,	PUNCT
ajfa-5290	424	10	2014	2014	NUM
ajfa-5290	424	11	)	)	PUNCT
ajfa-5290	424	12	.	.	PUNCT
ajfa-5290	425	1	qin	qin	PROPN
ajfa-5290	425	2	,	,	PUNCT
ajfa-5290	425	3	x.	x.	PROPN
ajfa-5290	425	4	&	&	CCONJ
ajfa-5290	425	5	ndiege	ndiege	PROPN
ajfa-5290	425	6	,	,	PUNCT
ajfa-5290	425	7	b.o	b.o	PROPN
ajfa-5290	425	8	.	.	PROPN
ajfa-5290	426	1	(	(	PUNCT
ajfa-5290	426	2	2013).role	2013).role	NUM
ajfa-5290	426	3	of	of	ADP
ajfa-5290	426	4	financial	financial	ADJ
ajfa-5290	426	5	development	development	NOUN
ajfa-5290	426	6	in	in	ADP
ajfa-5290	426	7	economic	economic	ADJ
ajfa-5290	426	8	growth	growth	NOUN
ajfa-5290	426	9	:	:	PUNCT
ajfa-5290	426	10	evidence	evidence	NOUN
ajfa-5290	426	11	from	from	ADP
ajfa-5290	426	12	savings	saving	NOUN
ajfa-5290	426	13	and	and	CCONJ
ajfa-5290	426	14	credits	credit	NOUN
ajfa-5290	426	15	cooperative	cooperative	ADJ
ajfa-5290	426	16	societies	society	NOUN
ajfa-5290	426	17	in	in	ADP
ajfa-5290	426	18	tanzania	tanzania	PROPN
ajfa-5290	426	19	.	.	PUNCT
ajfa-5290	427	1	international	international	ADJ
ajfa-5290	427	2	journal	journal	PROPN
ajfa-5290	427	3	of	of	ADP
ajfa-5290	427	4	financial	financial	ADJ
ajfa-5290	427	5	research	research	NOUN
ajfa-5290	427	6	,	,	PUNCT
ajfa-5290	427	7	4(2	4(2	NUM
ajfa-5290	427	8	)	)	PUNCT
ajfa-5290	427	9	,	,	PUNCT
ajfa-5290	427	10	115	115	NUM
ajfa-5290	427	11	-	-	SYM
ajfa-5290	427	12	125	125	NUM
ajfa-5290	427	13	.	.	PUNCT
ajfa-5290	428	1	rockafellar	rockafellar	ADJ
ajfa-5290	428	2	,	,	PUNCT
ajfa-5290	428	3	r.	r.	PROPN
ajfa-5290	428	4	t.	t.	PROPN
ajfa-5290	428	5	&	&	CCONJ
ajfa-5290	428	6	uryasev	uryasev	PROPN
ajfa-5290	428	7	,	,	PUNCT
ajfa-5290	428	8	s.	s.	PROPN
ajfa-5290	428	9	(	(	PUNCT
ajfa-5290	428	10	2002	2002	NUM
ajfa-5290	428	11	)	)	PUNCT
ajfa-5290	428	12	.	.	PUNCT
ajfa-5290	429	1	conditional	conditional	ADJ
ajfa-5290	429	2	value	value	NOUN
ajfa-5290	429	3	-	-	PUNCT
ajfa-5290	429	4	at	at	ADP
ajfa-5290	429	5	-	-	PUNCT
ajfa-5290	429	6	risk	risk	NOUN
ajfa-5290	429	7	for	for	ADP
ajfa-5290	429	8	general	general	ADJ
ajfa-5290	429	9	loss	loss	NOUN
ajfa-5290	429	10	distributions	distribution	NOUN
ajfa-5290	429	11	.	.	PUNCT
ajfa-5290	430	1	journal	journal	NOUN
ajfa-5290	430	2	of	of	ADP
ajfa-5290	430	3	banking	banking	NOUN
ajfa-5290	430	4	&	&	CCONJ
ajfa-5290	430	5	finance	finance	PROPN
ajfa-5290	430	6	,	,	PUNCT
ajfa-5290	430	7	26	26	NUM
ajfa-5290	430	8	,	,	PUNCT
ajfa-5290	430	9	1443–1471	1443–1471	NUM
ajfa-5290	430	10	.	.	PUNCT
ajfa-5290	431	1	rouk	rouk	PROPN
ajfa-5290	431	2	,	,	PUNCT
ajfa-5290	431	3	s.j	s.j	PROPN
ajfa-5290	431	4	.	.	PROPN
ajfa-5290	431	5	(	(	PUNCT
ajfa-5290	431	6	2008	2008	NUM
ajfa-5290	431	7	)	)	PUNCT
ajfa-5290	431	8	.	.	PUNCT
ajfa-5290	432	1	measuring	measure	VERB
ajfa-5290	432	2	counterpart	counterpart	NOUN
ajfa-5290	432	3	credit	credit	NOUN
ajfa-5290	432	4	risks	risk	NOUN
ajfa-5290	432	5	:	:	PUNCT
ajfa-5290	432	6	an	an	DET
ajfa-5290	432	7	overview	overview	NOUN
ajfa-5290	432	8	of	of	ADP
ajfa-5290	432	9	theory	theory	NOUN
ajfa-5290	432	10	and	and	CCONJ
ajfa-5290	432	11	practice	practice	NOUN
ajfa-5290	432	12	.	.	PUNCT
ajfa-5290	433	1	unpublished	unpublished	ADJ
ajfa-5290	433	2	magister	magister	NOUN
ajfa-5290	433	3	scientiae	scientiae	NOUN
ajfa-5290	433	4	thesis	thesis	NOUN
ajfa-5290	433	5	,	,	PUNCT
ajfa-5290	433	6	university	university	NOUN
ajfa-5290	433	7	of	of	ADP
ajfa-5290	433	8	pretoria	pretoria	PROPN
ajfa-5290	433	9	.	.	PUNCT
ajfa-5290	433	10	salari	salari	PROPN
ajfa-5290	433	11	,	,	PUNCT
ajfa-5290	433	12	m.	m.	NOUN
ajfa-5290	433	13	,	,	PUNCT
ajfa-5290	433	14	ghodsypour	ghodsypour	NOUN
ajfa-5290	433	15	,	,	PUNCT
ajfa-5290	433	16	s.	s.	PROPN
ajfa-5290	433	17	h.	h.	PROPN
ajfa-5290	433	18	,	,	PUNCT
ajfa-5290	433	19	lemraski	lemraski	PROPN
ajfa-5290	433	20	,	,	PUNCT
ajfa-5290	433	21	m.s	m.s	PROPN
ajfa-5290	433	22	.	.	PROPN
ajfa-5290	433	23	&	&	CCONJ
ajfa-5290	433	24	heidari	heidari	PROPN
ajfa-5290	433	25	.	.	PUNCT
ajfa-5290	434	1	h.	h.	PROPN
ajfa-5290	434	2	(	(	PUNCT
ajfa-5290	434	3	2012	2012	NUM
ajfa-5290	434	4	)	)	PUNCT
ajfa-5290	434	5	.	.	PUNCT
ajfa-5290	435	1	a	a	DET
ajfa-5290	435	2	credit	credit	NOUN
ajfa-5290	435	3	risk	risk	NOUN
ajfa-5290	435	4	model	model	NOUN
ajfa-5290	435	5	for	for	ADP
ajfa-5290	435	6	bank	bank	NOUN
ajfa-5290	435	7	’s	’s	PART
ajfa-5290	435	8	loan	loan	PROPN
ajfa-5290	435	9	portfolio	portfolio	NOUN
ajfa-5290	435	10	&	&	CCONJ
ajfa-5290	435	11	optimize	optimize	VERB
ajfa-5290	435	12	the	the	DET
ajfa-5290	435	13	var	var	NOUN
ajfa-5290	435	14	.	.	PUNCT
ajfa-5290	436	1	interdisciplinary	interdisciplinary	ADJ
ajfa-5290	436	2	journal	journal	NOUN
ajfa-5290	436	3	of	of	ADP
ajfa-5290	436	4	contemporary	contemporary	ADJ
ajfa-5290	436	5	research	research	NOUN
ajfa-5290	436	6	in	in	ADP
ajfa-5290	436	7	business	business	NOUN
ajfa-5290	436	8	,	,	PUNCT
ajfa-5290	436	9	4(1	4(1	NOUN
ajfa-5290	436	10	)	)	PUNCT
ajfa-5290	436	11	,	,	PUNCT
ajfa-5290	436	12	125	125	NUM
ajfa-5290	436	13	-	-	SYM
ajfa-5290	436	14	140	140	NUM
ajfa-5290	436	15	.	.	PUNCT
ajfa-5290	437	1	sebhatu	sebhatu	PROPN
ajfa-5290	437	2	,	,	PUNCT
ajfa-5290	437	3	k.t	k.t	PROPN
ajfa-5290	437	4	.	.	PROPN
ajfa-5290	438	1	(	(	PUNCT
ajfa-5290	438	2	2011	2011	NUM
ajfa-5290	438	3	)	)	PUNCT
ajfa-5290	438	4	.	.	PUNCT
ajfa-5290	439	1	management	management	NOUN
ajfa-5290	439	2	of	of	ADP
ajfa-5290	439	3	savings	saving	NOUN
ajfa-5290	439	4	and	and	CCONJ
ajfa-5290	439	5	credit	credit	NOUN
ajfa-5290	439	6	cooperatives	cooperative	NOUN
ajfa-5290	439	7	from	from	ADP
ajfa-5290	439	8	the	the	DET
ajfa-5290	439	9	perspective	perspective	NOUN
ajfa-5290	439	10	of	of	ADP
ajfa-5290	439	11	outreach	outreach	NOUN
ajfa-5290	439	12	and	and	CCONJ
ajfa-5290	439	13	sustainability	sustainability	NOUN
ajfa-5290	439	14	:	:	PUNCT
ajfa-5290	439	15	evidence	evidence	NOUN
ajfa-5290	439	16	from	from	ADP
ajfa-5290	439	17	southern	southern	ADJ
ajfa-5290	439	18	tigrai	tigrai	NOUN
ajfa-5290	439	19	of	of	ADP
ajfa-5290	439	20	ethiopia	ethiopia	PROPN
ajfa-5290	439	21	.	.	PUNCT
ajfa-5290	440	1	research	research	PROPN
ajfa-5290	440	2	journal	journal	PROPN
ajfa-5290	440	3	of	of	ADP
ajfa-5290	440	4	finance	finance	NOUN
ajfa-5290	440	5	and	and	CCONJ
ajfa-5290	440	6	accounting	accounting	NOUN
ajfa-5290	440	7	,	,	PUNCT
ajfa-5290	440	8	2(7/8	2(7/8	NUM
ajfa-5290	440	9	)	)	PUNCT
ajfa-5290	440	10	,	,	PUNCT
ajfa-5290	440	11	10	10	NUM
ajfa-5290	440	12	-	-	SYM
ajfa-5290	440	13	23	23	NUM
ajfa-5290	440	14	.	.	PUNCT
ajfa-5290	441	1	sharma	sharma	PROPN
ajfa-5290	441	2	,	,	PUNCT
ajfa-5290	441	3	n.	n.	PROPN
ajfa-5290	441	4	,	,	PUNCT
ajfa-5290	441	5	simkhada	simkhada	PROPN
ajfa-5290	441	6	,	,	PUNCT
ajfa-5290	441	7	n.r	n.r	PROPN
ajfa-5290	441	8	.	.	PROPN
ajfa-5290	441	9	&	&	CCONJ
ajfa-5290	441	10	shrestha	shrestha	PROPN
ajfa-5290	441	11	,	,	PUNCT
ajfa-5290	441	12	r.	r.	PROPN
ajfa-5290	441	13	(	(	PUNCT
ajfa-5290	441	14	2005	2005	NUM
ajfa-5290	441	15	)	)	PUNCT
ajfa-5290	441	16	.	.	PUNCT
ajfa-5290	442	1	impact	impact	NOUN
ajfa-5290	442	2	assessment	assessment	NOUN
ajfa-5290	442	3	of	of	ADP
ajfa-5290	442	4	saccos	saccos	PROPN
ajfa-5290	442	5	in	in	ADP
ajfa-5290	442	6	nepal	nepal	PROPN
ajfa-5290	442	7	’s	’s	PART
ajfa-5290	442	8	hill	hill	NOUN
ajfa-5290	442	9	districts	district	NOUN
ajfa-5290	442	10	.	.	PUNCT
ajfa-5290	443	1	centre	centre	NOUN
ajfa-5290	443	2	for	for	ADP
ajfa-5290	443	3	micro	micro	NOUN
ajfa-5290	443	4	-	-	NOUN
ajfa-5290	443	5	finance	finance	ADJ
ajfa-5290	443	6	(	(	PUNCT
ajfa-5290	443	7	pvt	pvt	PROPN
ajfa-5290	443	8	)	)	PUNCT
ajfa-5290	443	9	limited	limited	ADJ
ajfa-5290	443	10	,	,	PUNCT
ajfa-5290	443	11	kathmandu	kathmandu	NOUN
ajfa-5290	443	12	.	.	PUNCT
ajfa-5290	444	1	asian	asian	ADJ
ajfa-5290	444	2	journal	journal	PROPN
ajfa-5290	444	3	of	of	ADP
ajfa-5290	444	4	finance	finance	PROPN
ajfa-5290	444	5	&	&	CCONJ
ajfa-5290	444	6	accounting	accounting	PROPN
ajfa-5290	444	7	issn	issn	PROPN
ajfa-5290	444	8	1946	1946	NUM
ajfa-5290	444	9	-	-	PUNCT
ajfa-5290	444	10	052x	052x	PROPN
ajfa-5290	444	11	2014	2014	NUM
ajfa-5290	444	12	,	,	PUNCT
ajfa-5290	444	13	vol	vol	NOUN
ajfa-5290	444	14	.	.	PROPN
ajfa-5290	445	1	6	6	NUM
ajfa-5290	445	2	,	,	PUNCT
ajfa-5290	445	3	no	no	INTJ
ajfa-5290	445	4	.	.	NOUN
ajfa-5290	445	5	1	1	NUM
ajfa-5290	445	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-5290	445	7	215	215	NUM
ajfa-5290	445	8	sollis	solli	NOUN
ajfa-5290	445	9	,	,	PUNCT
ajfa-5290	445	10	r.	r.	PROPN
ajfa-5290	445	11	(	(	PUNCT
ajfa-5290	445	12	2009	2009	NUM
ajfa-5290	445	13	)	)	PUNCT
ajfa-5290	445	14	.	.	PUNCT
ajfa-5290	446	1	value	value	NOUN
ajfa-5290	446	2	at	at	ADP
ajfa-5290	446	3	risk	risk	NOUN
ajfa-5290	446	4	:	:	PUNCT
ajfa-5290	446	5	a	a	DET
ajfa-5290	446	6	critical	critical	ADJ
ajfa-5290	446	7	overview	overview	NOUN
ajfa-5290	446	8	.	.	PUNCT
ajfa-5290	447	1	journal	journal	NOUN
ajfa-5290	447	2	of	of	ADP
ajfa-5290	447	3	financial	financial	ADJ
ajfa-5290	447	4	regulation	regulation	NOUN
ajfa-5290	447	5	and	and	CCONJ
ajfa-5290	447	6	compliance	compliance	NOUN
ajfa-5290	447	7	,	,	PUNCT
ajfa-5290	447	8	17(4	17(4	NUM
ajfa-5290	447	9	)	)	PUNCT
ajfa-5290	447	10	,	,	PUNCT
ajfa-5290	447	11	398	398	NUM
ajfa-5290	447	12	-	-	SYM
ajfa-5290	447	13	414	414	NUM
ajfa-5290	447	14	.	.	PUNCT
ajfa-5290	448	1	http://dx.doi.org/10.1108/13581980911004370	http://dx.doi.org/10.1108/13581980911004370	PROPN
ajfa-5290	448	2	.	.	PUNCT
ajfa-5290	449	1	temu	temu	PROPN
ajfa-5290	449	2	,	,	PUNCT
ajfa-5290	449	3	s.s	s.s	PROPN
ajfa-5290	449	4	.	.	PROPN
ajfa-5290	449	5	,	,	PUNCT
ajfa-5290	449	6	&	&	CCONJ
ajfa-5290	449	7	ishengoma	ishengoma	PROPN
ajfa-5290	449	8	,	,	PUNCT
ajfa-5290	449	9	e.k	e.k	PROPN
ajfa-5290	449	10	.	.	PROPN
ajfa-5290	449	11	(	(	PUNCT
ajfa-5290	449	12	2010	2010	NUM
ajfa-5290	449	13	)	)	PUNCT
ajfa-5290	449	14	.	.	PUNCT
ajfa-5290	450	1	financial	financial	ADJ
ajfa-5290	450	2	linkages	linkage	NOUN
ajfa-5290	450	3	and	and	CCONJ
ajfa-5290	450	4	performance	performance	NOUN
ajfa-5290	450	5	of	of	ADP
ajfa-5290	450	6	rural	rural	ADJ
ajfa-5290	450	7	microfinance	microfinance	NOUN
ajfa-5290	450	8	cooperatives	cooperative	NOUN
ajfa-5290	450	9	:	:	PUNCT
ajfa-5290	450	10	tanzanian	tanzanian	ADJ
ajfa-5290	450	11	case	case	NOUN
ajfa-5290	450	12	.	.	PUNCT
ajfa-5290	451	1	indian	indian	PROPN
ajfa-5290	451	2	journal	journal	PROPN
ajfa-5290	451	3	of	of	ADP
ajfa-5290	451	4	economics	economic	NOUN
ajfa-5290	451	5	and	and	CCONJ
ajfa-5290	451	6	business	business	NOUN
ajfa-5290	451	7	,	,	PUNCT
ajfa-5290	451	8	vol	vol	NOUN
ajfa-5290	451	9	.	.	PROPN
ajfa-5290	452	1	9	9	NUM
ajfa-5290	452	2	.	.	X
ajfa-5290	453	1	no	no	INTJ
ajfa-5290	453	2	.	.	NOUN
ajfa-5290	454	1	2	2	X
ajfa-5290	454	2	.	.	X
ajfa-5290	454	3	tesfamariam	tesfamariam	PROPN
ajfa-5290	454	4	,	,	PUNCT
ajfa-5290	454	5	k.	k.	PROPN
ajfa-5290	454	6	,	,	PUNCT
ajfa-5290	454	7	tesfay	tesfay	PROPN
ajfa-5290	454	8	,	,	PUNCT
ajfa-5290	454	9	h.	h.	PROPN
ajfa-5290	454	10	,	,	PUNCT
ajfa-5290	454	11	&	&	CCONJ
ajfa-5290	454	12	tesfay	tesfay	PROPN
ajfa-5290	454	13	,	,	PUNCT
ajfa-5290	454	14	a.	a.	NOUN
ajfa-5290	454	15	(	(	PUNCT
ajfa-5290	454	16	2013	2013	NUM
ajfa-5290	454	17	)	)	PUNCT
ajfa-5290	454	18	.	.	PUNCT
ajfa-5290	455	1	relative	relative	ADJ
ajfa-5290	455	2	efficiency	efficiency	NOUN
ajfa-5290	455	3	of	of	ADP
ajfa-5290	455	4	rural	rural	ADJ
ajfa-5290	455	5	saving	saving	NOUN
ajfa-5290	455	6	and	and	CCONJ
ajfa-5290	455	7	credit	credit	NOUN
ajfa-5290	455	8	cooperatives	cooperative	NOUN
ajfa-5290	455	9	:	:	PUNCT
ajfa-5290	455	10	an	an	DET
ajfa-5290	455	11	application	application	NOUN
ajfa-5290	455	12	of	of	ADP
ajfa-5290	455	13	data	datum	NOUN
ajfa-5290	455	14	envelopment	envelopment	ADJ
ajfa-5290	455	15	analysis	analysis	NOUN
ajfa-5290	455	16	.	.	PUNCT
ajfa-5290	456	1	international	international	ADJ
ajfa-5290	456	2	journal	journal	PROPN
ajfa-5290	456	3	of	of	ADP
ajfa-5290	456	4	cooperative	cooperative	ADJ
ajfa-5290	456	5	studies	study	NOUN
ajfa-5290	456	6	,	,	PUNCT
ajfa-5290	456	7	2(1	2(1	NUM
ajfa-5290	456	8	)	)	PUNCT
ajfa-5290	456	9	,	,	PUNCT
ajfa-5290	456	10	16	16	NUM
ajfa-5290	456	11	-	-	SYM
ajfa-5290	456	12	25	25	NUM
ajfa-5290	456	13	.	.	PUNCT
ajfa-5290	457	1	tra	tra	PROPN
ajfa-5290	457	2	,	,	PUNCT
ajfa-5290	457	3	t.t	t.t	PROPN
ajfa-5290	457	4	.	.	PROPN
ajfa-5290	457	5	&	&	CCONJ
ajfa-5290	457	6	lensink	lensink	PROPN
ajfa-5290	457	7	,	,	PUNCT
ajfa-5290	457	8	r.	r.	PROPN
ajfa-5290	457	9	(	(	PUNCT
ajfa-5290	457	10	n.d	n.d	PROPN
ajfa-5290	457	11	)	)	PUNCT
ajfa-5290	457	12	.	.	PUNCT
ajfa-5290	458	1	household	household	NOUN
ajfa-5290	458	2	borrowing	borrowing	NOUN
ajfa-5290	458	3	in	in	ADP
ajfa-5290	458	4	vietnam	vietnam	PROPN
ajfa-5290	458	5	:	:	PUNCT
ajfa-5290	458	6	a	a	DET
ajfa-5290	458	7	comparative	comparative	ADJ
ajfa-5290	458	8	study	study	NOUN
ajfa-5290	458	9	of	of	ADP
ajfa-5290	458	10	default	default	NOUN
ajfa-5290	458	11	risks	risk	NOUN
ajfa-5290	458	12	of	of	ADP
ajfa-5290	458	13	informal	informal	ADJ
ajfa-5290	458	14	,	,	PUNCT
ajfa-5290	458	15	formal	formal	ADJ
ajfa-5290	458	16	and	and	CCONJ
ajfa-5290	458	17	semi	semi	ADJ
ajfa-5290	458	18	-	-	ADJ
ajfa-5290	458	19	formal	formal	ADJ
ajfa-5290	458	20	credit	credit	NOUN
ajfa-5290	458	21	.	.	PUNCT
ajfa-5290	459	1	university	university	NOUN
ajfa-5290	459	2	of	of	ADP
ajfa-5290	459	3	groningen	groningen	PROPN
ajfa-5290	459	4	,	,	PUNCT
ajfa-5290	459	5	the	the	DET
ajfa-5290	459	6	netherlands	netherlands	PROPN
ajfa-5290	459	7	.	.	PUNCT
ajfa-5290	460	1	vasanthi	vasanthi	PROPN
ajfa-5290	460	2	,	,	PUNCT
ajfa-5290	460	3	p.	p.	PROPN
ajfa-5290	460	4	&	&	CCONJ
ajfa-5290	460	5	raja	raja	PROPN
ajfa-5290	460	6	,	,	PUNCT
ajfa-5290	460	7	p.	p.	NOUN
ajfa-5290	460	8	(	(	PUNCT
ajfa-5290	460	9	2006	2006	NUM
ajfa-5290	460	10	)	)	PUNCT
ajfa-5290	460	11	.	.	PUNCT
ajfa-5290	461	1	risk	risk	NOUN
ajfa-5290	461	2	management	management	NOUN
ajfa-5290	461	3	model	model	NOUN
ajfa-5290	461	4	:	:	PUNCT
ajfa-5290	461	5	an	an	DET
ajfa-5290	461	6	empirical	empirical	ADJ
ajfa-5290	461	7	assessment	assessment	NOUN
ajfa-5290	461	8	of	of	ADP
ajfa-5290	461	9	the	the	DET
ajfa-5290	461	10	risk	risk	NOUN
ajfa-5290	461	11	of	of	ADP
ajfa-5290	461	12	default	default	NOUN
ajfa-5290	461	13	:	:	PUNCT
ajfa-5290	461	14	international	international	ADJ
ajfa-5290	461	15	research	research	NOUN
ajfa-5290	461	16	journal	journal	NOUN
ajfa-5290	461	17	of	of	ADP
ajfa-5290	461	18	finance	finance	NOUN
ajfa-5290	461	19	and	and	CCONJ
ajfa-5290	461	20	economics	economic	NOUN
ajfa-5290	461	21	,	,	PUNCT
ajfa-5290	461	22	7(1	7(1	NUM
ajfa-5290	461	23	)	)	PUNCT
ajfa-5290	461	24	,	,	PUNCT
ajfa-5290	461	25	17–33	17–33	NUM
ajfa-5290	461	26	.	.	PUNCT
ajfa-5290	462	1	waweru	waweru	PROPN
ajfa-5290	462	2	,	,	PUNCT
ajfa-5290	462	3	k.	k.	PROPN
ajfa-5290	462	4	m.	m.	PROPN
ajfa-5290	462	5	(	(	PUNCT
ajfa-5290	462	6	2011	2011	NUM
ajfa-5290	462	7	)	)	PUNCT
ajfa-5290	462	8	.	.	PUNCT
ajfa-5290	463	1	an	an	DET
ajfa-5290	463	2	investigation	investigation	NOUN
ajfa-5290	463	3	into	into	ADP
ajfa-5290	463	4	the	the	DET
ajfa-5290	463	5	cash	cash	NOUN
ajfa-5290	463	6	balance	balance	NOUN
ajfa-5290	463	7	management	management	NOUN
ajfa-5290	463	8	approaches	approach	NOUN
ajfa-5290	463	9	in	in	ADP
ajfa-5290	463	10	saving	save	VERB
ajfa-5290	463	11	and	and	CCONJ
ajfa-5290	463	12	credit	credit	NOUN
ajfa-5290	463	13	cooperative	cooperative	ADJ
ajfa-5290	463	14	societies	society	NOUN
ajfa-5290	463	15	(	(	PUNCT
ajfa-5290	463	16	saccos	saccos	PROPN
ajfa-5290	463	17	)	)	PUNCT
ajfa-5290	463	18	in	in	ADP
ajfa-5290	463	19	nakuru	nakuru	PROPN
ajfa-5290	463	20	county	county	PROPN
ajfa-5290	463	21	,	,	PUNCT
ajfa-5290	463	22	kenya	kenya	PROPN
ajfa-5290	463	23	.	.	PUNCT
ajfa-5290	464	1	journal	journal	PROPN
ajfa-5290	464	2	of	of	ADP
ajfa-5290	464	3	business	business	NOUN
ajfa-5290	464	4	studies	study	NOUN
ajfa-5290	464	5	quarterly	quarterly	ADV
ajfa-5290	464	6	,	,	PUNCT
ajfa-5290	464	7	2(4	2(4	NUM
ajfa-5290	464	8	)	)	PUNCT
ajfa-5290	464	9	,	,	PUNCT
ajfa-5290	464	10	17	17	NUM
ajfa-5290	464	11	-	-	SYM
ajfa-5290	464	12	26	26	NUM
ajfa-5290	464	13	.	.	PUNCT
ajfa-5290	465	1	zeller	zeller	NOUN
ajfa-5290	465	2	,	,	PUNCT
ajfa-5290	465	3	m.	m.	NOUN
ajfa-5290	465	4	,	,	PUNCT
ajfa-5290	465	5	lapenu	lapenu	PROPN
ajfa-5290	465	6	,	,	PUNCT
ajfa-5290	465	7	c.	c.	PROPN
ajfa-5290	465	8	&	&	CCONJ
ajfa-5290	465	9	greeley	greeley	PROPN
ajfa-5290	465	10	,	,	PUNCT
ajfa-5290	465	11	m.	m.	NOUN
ajfa-5290	465	12	(	(	PUNCT
ajfa-5290	465	13	2003	2003	NUM
ajfa-5290	465	14	)	)	PUNCT
ajfa-5290	465	15	.	.	PUNCT
ajfa-5290	466	1	measuring	measure	VERB
ajfa-5290	466	2	social	social	ADJ
ajfa-5290	466	3	performance	performance	NOUN
ajfa-5290	466	4	of	of	ADP
ajfa-5290	466	5	micro	micro	ADJ
ajfa-5290	466	6	-	-	ADJ
ajfa-5290	466	7	finance	finance	ADJ
ajfa-5290	466	8	institutions	institution	NOUN
ajfa-5290	466	9	:	:	PUNCT
ajfa-5290	466	10	a	a	DET
ajfa-5290	466	11	proposal	proposal	ADJ
ajfa-5290	466	12	social	social	ADJ
ajfa-5290	466	13	performance	performance	NOUN
ajfa-5290	466	14	indicators	indicator	NOUN
ajfa-5290	466	15	initiative	initiative	NOUN
ajfa-5290	466	16	(	(	PUNCT
ajfa-5290	466	17	spi	spi	PROPN
ajfa-5290	466	18	)	)	PUNCT
ajfa-5290	466	19	.	.	PUNCT
ajfa-5290	467	1	final	final	ADJ
ajfa-5290	467	2	report	report	NOUN
ajfa-5290	467	3	submitted	submit	VERB
ajfa-5290	467	4	to	to	ADP
ajfa-5290	467	5	argidius	argidius	PROPN
ajfa-5290	467	6	foundation	foundation	NOUN
ajfa-5290	467	7	and	and	CCONJ
ajfa-5290	467	8	consultative	consultative	ADJ
ajfa-5290	467	9	group	group	NOUN
ajfa-5290	467	10	to	to	PART
ajfa-5290	467	11	assist	assist	VERB
ajfa-5290	467	12	the	the	DET
ajfa-5290	467	13	poorest	poor	ADJ
ajfa-5290	467	14	(	(	PUNCT
ajfa-5290	467	15	cgap	cgap	NOUN
ajfa-5290	467	16	)	)	PUNCT
ajfa-5290	467	17	.	.	PUNCT
ajfa-5290	468	1	copyright	copyright	NOUN
ajfa-5290	468	2	disclaimer	disclaimer	PROPN
ajfa-5290	468	3	copyright	copyright	NOUN
ajfa-5290	468	4	reserved	reserve	VERB
ajfa-5290	468	5	by	by	ADP
ajfa-5290	468	6	the	the	DET
ajfa-5290	468	7	author(s	author(s	NOUN
ajfa-5290	468	8	)	)	PUNCT
ajfa-5290	468	9	.	.	PUNCT
ajfa-5290	469	1	this	this	DET
ajfa-5290	469	2	article	article	NOUN
ajfa-5290	469	3	is	be	AUX
ajfa-5290	469	4	an	an	DET
ajfa-5290	469	5	open	open	ADJ
ajfa-5290	469	6	-	-	PUNCT
ajfa-5290	469	7	access	access	NOUN
ajfa-5290	469	8	article	article	NOUN
ajfa-5290	469	9	distributed	distribute	VERB
ajfa-5290	469	10	under	under	ADP
ajfa-5290	469	11	the	the	DET
ajfa-5290	469	12	terms	term	NOUN
ajfa-5290	469	13	and	and	CCONJ
ajfa-5290	469	14	conditions	condition	NOUN
ajfa-5290	469	15	of	of	ADP
ajfa-5290	469	16	the	the	DET
ajfa-5290	469	17	creative	creative	ADJ
ajfa-5290	469	18	commons	common	NOUN
ajfa-5290	469	19	attribution	attribution	NOUN
ajfa-5290	469	20	license	license	NOUN
ajfa-5290	469	21	(	(	PUNCT
ajfa-5290	469	22	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajfa-5290	469	23	)	)	PUNCT
ajfa-5290	469	24	.	.	PUNCT