id	keyword
ajfa-17362	risk
ajfa-17362	banks
ajfa-17362	model
ajfa-17362	equity
ajfa-17362	effect
ajfa-17362	returns
ajfa-17362	variable
ajfa-17362	study
ajfa-17362	journal
ajfa-17362	significant
ajfa-17362	credit
ajfa-17362	performance
ajfa-17362	value