id	keyword
ajfa-4326	efficiency
ajfa-4326	bank
ajfa-4326	change
ajfa-4326	productivity
ajfa-4326	commercial
ajfa-4326	efficiency change
ajfa-4326	nepal
ajfa-4326	journal
ajfa-4326	limited
ajfa-4326	banking
ajfa-4326	malmquist
ajfa-4326	finance
ajfa-4326	table
ajfa-4326	index
ajfa-4326	total
ajfa-4326	scale
ajfa-4326	period