id	keyword
ajfa-9297	credit
ajfa-9297	rating
ajfa-9297	journal
ajfa-9297	directors
ajfa-9297	board
ajfa-9297	governance
ajfa-9297	firm
ajfa-9297	finance
ajfa-9297	variables
ajfa-9297	agency
ajfa-9297	accounting
ajfa-9297	ownership
ajfa-9297	effect