id	sid	tid	token	lemma	pos
ajssms-2102	1	1	250	250	NUM
ajssms-2102	1	2	©	©	PROPN
ajssms-2102	1	3	2020	2020	NUM
ajssms-2102	1	4	by	by	ADP
ajssms-2102	1	5	the	the	DET
ajssms-2102	1	6	authors	author	NOUN
ajssms-2102	1	7	;	;	PUNCT
ajssms-2102	1	8	licensee	licensee	PROPN
ajssms-2102	1	9	asian	asian	ADJ
ajssms-2102	1	10	online	online	PROPN
ajssms-2102	1	11	journal	journal	PROPN
ajssms-2102	1	12	publishing	publishing	PROPN
ajssms-2102	1	13	group	group	PROPN
ajssms-2102	1	14	asian	asian	PROPN
ajssms-2102	1	15	journal	journal	PROPN
ajssms-2102	1	16	of	of	ADP
ajssms-2102	1	17	social	social	ADJ
ajssms-2102	1	18	sciences	sciences	PROPN
ajssms-2102	1	19	and	and	CCONJ
ajssms-2102	1	20	management	management	NOUN
ajssms-2102	1	21	studies	study	NOUN
ajssms-2102	1	22	vol	vol	NOUN
ajssms-2102	1	23	.	.	PUNCT
ajssms-2102	1	24	7	7	NUM
ajssms-2102	1	25	,	,	PUNCT
ajssms-2102	1	26	no	no	INTJ
ajssms-2102	1	27	.	.	NOUN
ajssms-2102	1	28	3	3	NUM
ajssms-2102	1	29	,	,	PUNCT
ajssms-2102	1	30	250	250	NUM
ajssms-2102	1	31	-	-	SYM
ajssms-2102	1	32	257	257	NUM
ajssms-2102	1	33	,	,	PUNCT
ajssms-2102	1	34	2020	2020	NUM
ajssms-2102	1	35	issn(e	issn(e	NOUN
ajssms-2102	1	36	)	)	PUNCT
ajssms-2102	1	37	2313	2313	NUM
ajssms-2102	1	38	-	-	SYM
ajssms-2102	1	39	7401/	7401/	NUM
ajssms-2102	1	40	issn(p	issn(p	NOUN
ajssms-2102	1	41	)	)	PUNCT
ajssms-2102	1	42	2518	2518	NUM
ajssms-2102	1	43	-	-	PUNCT
ajssms-2102	1	44	0096	0096	NUM
ajssms-2102	1	45	doi	doi	NOUN
ajssms-2102	1	46	:	:	PUNCT
ajssms-2102	1	47	10.20448	10.20448	NUM
ajssms-2102	1	48	/	/	SYM
ajssms-2102	1	49	journal.500.2020.73.250.257	journal.500.2020.73.250.257	NOUN
ajssms-2102	1	50	©	©	PROPN
ajssms-2102	1	51	2020	2020	NUM
ajssms-2102	1	52	by	by	ADP
ajssms-2102	1	53	the	the	DET
ajssms-2102	1	54	authors	author	NOUN
ajssms-2102	1	55	;	;	PUNCT
ajssms-2102	1	56	licensee	licensee	PROPN
ajssms-2102	1	57	asian	asian	ADJ
ajssms-2102	1	58	online	online	PROPN
ajssms-2102	1	59	journal	journal	PROPN
ajssms-2102	1	60	publishing	publishing	NOUN
ajssms-2102	1	61	group	group	NOUN
ajssms-2102	1	62	effect	effect	NOUN
ajssms-2102	1	63	of	of	ADP
ajssms-2102	1	64	enterprise	enterprise	NOUN
ajssms-2102	1	65	risk	risk	NOUN
ajssms-2102	1	66	management	management	NOUN
ajssms-2102	1	67	(	(	PUNCT
ajssms-2102	1	68	erm	erm	PROPN
ajssms-2102	1	69	)	)	PUNCT
ajssms-2102	1	70	on	on	ADP
ajssms-2102	1	71	sustainability	sustainability	NOUN
ajssms-2102	1	72	and	and	CCONJ
ajssms-2102	1	73	survival	survival	NOUN
ajssms-2102	1	74	of	of	ADP
ajssms-2102	1	75	banks	bank	NOUN
ajssms-2102	1	76	in	in	ADP
ajssms-2102	1	77	nigeria	nigeria	PROPN
ajssms-2102	1	78	orabueze	orabueze	VERB
ajssms-2102	1	79	,	,	PUNCT
ajssms-2102	1	80	uchechukwu	uchechukwu	ADJ
ajssms-2102	1	81	ebuka1	ebuka1	X
ajssms-2102	1	82	agbaji	agbaji	NOUN
ajssms-2102	1	83	,	,	PUNCT
ajssms-2102	1	84	joseph	joseph	PROPN
ajssms-2102	1	85	simon2	simon2	PROPN
ajssms-2102	1	86	iyodo	iyodo	PROPN
ajssms-2102	1	87	,	,	PUNCT
ajssms-2102	1	88	baba	baba	PROPN
ajssms-2102	1	89	yaro3	yaro3	PROPN
ajssms-2102	2	1	(	(	PUNCT
ajssms-2102	2	2			PROPN
ajssms-2102	2	3	corresponding	correspond	VERB
ajssms-2102	2	4	author	author	NOUN
ajssms-2102	2	5	)	)	PUNCT
ajssms-2102	2	6	1department	1department	NUM
ajssms-2102	2	7	of	of	ADP
ajssms-2102	2	8	banking	banking	NOUN
ajssms-2102	2	9	and	and	CCONJ
ajssms-2102	2	10	finance	finance	NOUN
ajssms-2102	2	11	,	,	PUNCT
ajssms-2102	2	12	faculty	faculty	NOUN
ajssms-2102	2	13	of	of	ADP
ajssms-2102	2	14	management	management	NOUN
ajssms-2102	2	15	science	science	NOUN
ajssms-2102	2	16	,	,	PUNCT
ajssms-2102	2	17	university	university	PROPN
ajssms-2102	2	18	of	of	ADP
ajssms-2102	2	19	jos	jos	PROPN
ajssms-2102	2	20	,	,	PUNCT
ajssms-2102	2	21	jos	jos	PROPN
ajssms-2102	2	22	,	,	PUNCT
ajssms-2102	2	23	plateau	plateau	NOUN
ajssms-2102	2	24	state	state	NOUN
ajssms-2102	2	25	–	–	PUNCT
ajssms-2102	2	26	nigeria	nigeria	PROPN
ajssms-2102	2	27	.	.	PUNCT
ajssms-2102	3	1	2department	2department	NUM
ajssms-2102	3	2	of	of	ADP
ajssms-2102	3	3	banking	banking	NOUN
ajssms-2102	3	4	and	and	CCONJ
ajssms-2102	3	5	finance	finance	NOUN
ajssms-2102	3	6	,	,	PUNCT
ajssms-2102	3	7	kogi	kogi	PROPN
ajssms-2102	3	8	state	state	PROPN
ajssms-2102	3	9	university	university	PROPN
ajssms-2102	3	10	,	,	PUNCT
ajssms-2102	3	11	anyigba	anyigba	NOUN
ajssms-2102	3	12	–	–	PUNCT
ajssms-2102	3	13	nigeria	nigeria	PROPN
ajssms-2102	3	14	.	.	PUNCT
ajssms-2102	4	1	3	3	NUM
ajssms-2102	4	2	department	department	NOUN
ajssms-2102	4	3	of	of	ADP
ajssms-2102	4	4	banking	banking	NOUN
ajssms-2102	4	5	and	and	CCONJ
ajssms-2102	4	6	finance	finance	NOUN
ajssms-2102	4	7	,	,	PUNCT
ajssms-2102	4	8	faculty	faculty	NOUN
ajssms-2102	4	9	of	of	ADP
ajssms-2102	4	10	management	management	NOUN
ajssms-2102	4	11	science	science	NOUN
ajssms-2102	4	12	,	,	PUNCT
ajssms-2102	4	13	university	university	PROPN
ajssms-2102	4	14	of	of	ADP
ajssms-2102	4	15	jos	jos	PROPN
ajssms-2102	4	16	,	,	PUNCT
ajssms-2102	4	17	jos	jos	PROPN
ajssms-2102	4	18	,	,	PUNCT
ajssms-2102	4	19	plateau	plateau	NOUN
ajssms-2102	4	20	state	state	NOUN
ajssms-2102	4	21	–	–	PUNCT
ajssms-2102	4	22	nigeria	nigeria	PROPN
ajssms-2102	4	23	.	.	PUNCT
ajssms-2102	5	1	abstract	abstract	ADJ
ajssms-2102	5	2	beyond	beyond	ADP
ajssms-2102	5	3	question	question	NOUN
ajssms-2102	5	4	,	,	PUNCT
ajssms-2102	5	5	risk	risk	NOUN
ajssms-2102	5	6	management	management	NOUN
ajssms-2102	5	7	is	be	AUX
ajssms-2102	5	8	the	the	DET
ajssms-2102	5	9	surviving	survive	VERB
ajssms-2102	5	10	engine	engine	NOUN
ajssms-2102	5	11	to	to	PART
ajssms-2102	5	12	which	which	PRON
ajssms-2102	5	13	enterprises	enterprise	NOUN
ajssms-2102	5	14	are	be	AUX
ajssms-2102	5	15	built	build	VERB
ajssms-2102	5	16	upon	upon	SCONJ
ajssms-2102	5	17	for	for	ADP
ajssms-2102	5	18	sound	sound	ADJ
ajssms-2102	5	19	organizational	organizational	ADJ
ajssms-2102	5	20	sustainability	sustainability	NOUN
ajssms-2102	5	21	.	.	PUNCT
ajssms-2102	6	1	thus	thus	ADV
ajssms-2102	6	2	,	,	PUNCT
ajssms-2102	6	3	this	this	DET
ajssms-2102	6	4	study	study	NOUN
ajssms-2102	6	5	assessed	assess	VERB
ajssms-2102	6	6	enterprise	enterprise	NOUN
ajssms-2102	6	7	risk	risk	NOUN
ajssms-2102	6	8	management	management	NOUN
ajssms-2102	6	9	and	and	CCONJ
ajssms-2102	6	10	its	its	PRON
ajssms-2102	6	11	effect	effect	NOUN
ajssms-2102	6	12	on	on	ADP
ajssms-2102	6	13	sustainability	sustainability	NOUN
ajssms-2102	6	14	and	and	CCONJ
ajssms-2102	6	15	survival	survival	NOUN
ajssms-2102	6	16	of	of	ADP
ajssms-2102	6	17	deposit	deposit	NOUN
ajssms-2102	6	18	money	money	NOUN
ajssms-2102	6	19	banks	bank	NOUN
ajssms-2102	6	20	in	in	ADP
ajssms-2102	6	21	nigeria	nigeria	PROPN
ajssms-2102	6	22	.	.	PUNCT
ajssms-2102	7	1	the	the	DET
ajssms-2102	7	2	study	study	NOUN
ajssms-2102	7	3	utilized	utilize	VERB
ajssms-2102	7	4	survey	survey	NOUN
ajssms-2102	7	5	research	research	NOUN
ajssms-2102	7	6	design	design	NOUN
ajssms-2102	7	7	,	,	PUNCT
ajssms-2102	7	8	a	a	DET
ajssms-2102	7	9	non	non	NOUN
ajssms-2102	7	10	probability	probability	NOUN
ajssms-2102	7	11	judgment	judgment	NOUN
ajssms-2102	7	12	sample	sample	NOUN
ajssms-2102	7	13	of	of	ADP
ajssms-2102	7	14	111	111	NUM
ajssms-2102	7	15	participants	participant	NOUN
ajssms-2102	7	16	extracted	extract	VERB
ajssms-2102	7	17	from	from	ADP
ajssms-2102	7	18	16	16	NUM
ajssms-2102	7	19	deposit	deposit	NOUN
ajssms-2102	7	20	money	money	NOUN
ajssms-2102	7	21	banks	bank	NOUN
ajssms-2102	7	22	in	in	ADP
ajssms-2102	7	23	jos	jos	PROPN
ajssms-2102	7	24	north	north	PROPN
ajssms-2102	7	25	local	local	ADJ
ajssms-2102	7	26	government	government	NOUN
ajssms-2102	7	27	of	of	ADP
ajssms-2102	7	28	plateau	plateau	NOUN
ajssms-2102	7	29	state	state	NOUN
ajssms-2102	7	30	responded	respond	VERB
ajssms-2102	7	31	to	to	ADP
ajssms-2102	7	32	a	a	DET
ajssms-2102	7	33	re	re	ADJ
ajssms-2102	7	34	-	-	VERB
ajssms-2102	7	35	validated	validated	ADJ
ajssms-2102	7	36	5	5	NUM
ajssms-2102	7	37	points	point	NOUN
ajssms-2102	7	38	likert	likert	ADJ
ajssms-2102	7	39	scale	scale	NOUN
ajssms-2102	7	40	questionnaire	questionnaire	NOUN
ajssms-2102	7	41	.	.	PUNCT
ajssms-2102	8	1	data	datum	NOUN
ajssms-2102	8	2	were	be	AUX
ajssms-2102	8	3	analyzed	analyze	VERB
ajssms-2102	8	4	using	use	VERB
ajssms-2102	8	5	quantitative	quantitative	ADJ
ajssms-2102	8	6	techniques	technique	NOUN
ajssms-2102	8	7	and	and	CCONJ
ajssms-2102	8	8	multiple	multiple	ADJ
ajssms-2102	8	9	regression	regression	NOUN
ajssms-2102	8	10	analysis	analysis	NOUN
ajssms-2102	8	11	with	with	ADP
ajssms-2102	8	12	aid	aid	NOUN
ajssms-2102	8	13	of	of	ADP
ajssms-2102	8	14	spssv23	spssv23	NOUN
ajssms-2102	8	15	to	to	PART
ajssms-2102	8	16	test	test	VERB
ajssms-2102	8	17	the	the	DET
ajssms-2102	8	18	hypotheses	hypothesis	NOUN
ajssms-2102	8	19	.	.	PUNCT
ajssms-2102	9	1	the	the	DET
ajssms-2102	9	2	result	result	NOUN
ajssms-2102	9	3	found	find	VERB
ajssms-2102	9	4	significant	significant	ADJ
ajssms-2102	9	5	relationship	relationship	NOUN
ajssms-2102	9	6	between	between	ADP
ajssms-2102	9	7	erm	erm	PROPN
ajssms-2102	9	8	and	and	CCONJ
ajssms-2102	9	9	bank	bank	NOUN
ajssms-2102	9	10	sustainability	sustainability	NOUN
ajssms-2102	9	11	and	and	CCONJ
ajssms-2102	9	12	survival	survival	NOUN
ajssms-2102	9	13	indicators	indicator	NOUN
ajssms-2102	9	14	.	.	PUNCT
ajssms-2102	10	1	to	to	ADP
ajssms-2102	10	2	this	this	DET
ajssms-2102	10	3	effect	effect	NOUN
ajssms-2102	10	4	,	,	PUNCT
ajssms-2102	10	5	the	the	DET
ajssms-2102	10	6	study	study	NOUN
ajssms-2102	10	7	recommended	recommend	VERB
ajssms-2102	10	8	that	that	SCONJ
ajssms-2102	10	9	for	for	ADP
ajssms-2102	10	10	a	a	DET
ajssms-2102	10	11	better	well	ADJ
ajssms-2102	10	12	opportunity	opportunity	NOUN
ajssms-2102	10	13	to	to	PART
ajssms-2102	10	14	remain	remain	VERB
ajssms-2102	10	15	relevant	relevant	ADJ
ajssms-2102	10	16	and	and	CCONJ
ajssms-2102	10	17	financially	financially	ADV
ajssms-2102	10	18	successful	successful	ADJ
ajssms-2102	10	19	it	it	PRON
ajssms-2102	10	20	is	be	AUX
ajssms-2102	10	21	imperative	imperative	ADJ
ajssms-2102	10	22	for	for	ADP
ajssms-2102	10	23	deposit	deposit	NOUN
ajssms-2102	10	24	money	money	NOUN
ajssms-2102	10	25	banks	bank	NOUN
ajssms-2102	10	26	to	to	PART
ajssms-2102	10	27	readjust	readjust	VERB
ajssms-2102	10	28	their	their	PRON
ajssms-2102	10	29	strategic	strategic	ADJ
ajssms-2102	10	30	financial	financial	ADJ
ajssms-2102	10	31	plans	plan	NOUN
ajssms-2102	10	32	;	;	PUNCT
ajssms-2102	10	33	increase	increase	VERB
ajssms-2102	10	34	their	their	PRON
ajssms-2102	10	35	income	income	NOUN
ajssms-2102	10	36	diversification	diversification	NOUN
ajssms-2102	10	37	base	base	NOUN
ajssms-2102	10	38	to	to	PART
ajssms-2102	10	39	combat	combat	VERB
ajssms-2102	10	40	adverse	adverse	ADJ
ajssms-2102	10	41	impacts	impact	NOUN
ajssms-2102	10	42	of	of	ADP
ajssms-2102	10	43	risks	risk	NOUN
ajssms-2102	10	44	and	and	CCONJ
ajssms-2102	10	45	uncertainty	uncertainty	NOUN
ajssms-2102	10	46	in	in	ADP
ajssms-2102	10	47	business	business	NOUN
ajssms-2102	10	48	transactions	transaction	NOUN
ajssms-2102	10	49	;	;	PUNCT
ajssms-2102	10	50	more	more	ADV
ajssms-2102	10	51	so	so	ADV
ajssms-2102	10	52	,	,	PUNCT
ajssms-2102	10	53	to	to	PART
ajssms-2102	10	54	keep	keep	VERB
ajssms-2102	10	55	up	up	ADP
ajssms-2102	10	56	with	with	ADP
ajssms-2102	10	57	global	global	ADJ
ajssms-2102	10	58	trends	trend	NOUN
ajssms-2102	10	59	,	,	PUNCT
ajssms-2102	10	60	banks	bank	NOUN
ajssms-2102	10	61	should	should	AUX
ajssms-2102	10	62	not	not	PART
ajssms-2102	10	63	underestimate	underestimate	VERB
ajssms-2102	10	64	the	the	DET
ajssms-2102	10	65	role	role	NOUN
ajssms-2102	10	66	sound	sound	NOUN
ajssms-2102	10	67	administration	administration	NOUN
ajssms-2102	10	68	and	and	CCONJ
ajssms-2102	10	69	financial	financial	ADJ
ajssms-2102	10	70	management	management	NOUN
ajssms-2102	10	71	play	play	NOUN
ajssms-2102	10	72	in	in	ADP
ajssms-2102	10	73	reducing	reduce	VERB
ajssms-2102	10	74	attendant	attendant	ADJ
ajssms-2102	10	75	cost	cost	NOUN
ajssms-2102	10	76	and	and	CCONJ
ajssms-2102	10	77	forestalling	forestall	VERB
ajssms-2102	10	78	future	future	ADJ
ajssms-2102	10	79	financial	financial	ADJ
ajssms-2102	10	80	crisis	crisis	NOUN
ajssms-2102	10	81	.	.	PUNCT
ajssms-2102	11	1	keywords	keyword	NOUN
ajssms-2102	11	2	:	:	PUNCT
ajssms-2102	11	3	enterprise	enterprise	NOUN
ajssms-2102	11	4	risk	risk	NOUN
ajssms-2102	11	5	management	management	NOUN
ajssms-2102	11	6	(	(	PUNCT
ajssms-2102	11	7	erm	erm	PROPN
ajssms-2102	11	8	)	)	PUNCT
ajssms-2102	11	9	,	,	PUNCT
ajssms-2102	11	10	sustainability	sustainability	NOUN
ajssms-2102	11	11	,	,	PUNCT
ajssms-2102	11	12	survival	survival	NOUN
ajssms-2102	11	13	,	,	PUNCT
ajssms-2102	11	14	banks	bank	NOUN
ajssms-2102	11	15	.	.	PUNCT
ajssms-2102	12	1	jel	jel	PROPN
ajssms-2102	12	2	classification	classification	PROPN
ajssms-2102	12	3	:	:	PUNCT
ajssms-2102	12	4	m00	m00	PROPN
ajssms-2102	12	5	,	,	PUNCT
ajssms-2102	12	6	m19	m19	PROPN
ajssms-2102	12	7	,	,	PUNCT
ajssms-2102	12	8	g00	g00	PROPN
ajssms-2102	12	9	.	.	PUNCT
ajssms-2102	13	1	citation	citation	NOUN
ajssms-2102	13	2	|	|	ADV
ajssms-2102	13	3	orabueze	orabueze	ADJ
ajssms-2102	13	4	,	,	PUNCT
ajssms-2102	13	5	uchechukwu	uchechukwu	PROPN
ajssms-2102	13	6	ebuka	ebuka	PROPN
ajssms-2102	13	7	;	;	PUNCT
ajssms-2102	13	8	agbaji	agbaji	PROPN
ajssms-2102	13	9	,	,	PUNCT
ajssms-2102	13	10	joseph	joseph	PROPN
ajssms-2102	13	11	simon	simon	PROPN
ajssms-2102	13	12	;	;	PUNCT
ajssms-2102	13	13	iyodo	iyodo	PROPN
ajssms-2102	13	14	,	,	PUNCT
ajssms-2102	13	15	baba	baba	PROPN
ajssms-2102	13	16	yaro	yaro	NOUN
ajssms-2102	13	17	(	(	PUNCT
ajssms-2102	13	18	2020	2020	NUM
ajssms-2102	13	19	)	)	PUNCT
ajssms-2102	13	20	.	.	PUNCT
ajssms-2102	14	1	effect	effect	NOUN
ajssms-2102	14	2	of	of	ADP
ajssms-2102	14	3	enterprise	enterprise	NOUN
ajssms-2102	14	4	risk	risk	NOUN
ajssms-2102	14	5	management	management	NOUN
ajssms-2102	14	6	(	(	PUNCT
ajssms-2102	14	7	erm	erm	PROPN
ajssms-2102	14	8	)	)	PUNCT
ajssms-2102	14	9	on	on	ADP
ajssms-2102	14	10	sustainability	sustainability	NOUN
ajssms-2102	14	11	and	and	CCONJ
ajssms-2102	14	12	survival	survival	NOUN
ajssms-2102	14	13	of	of	ADP
ajssms-2102	14	14	banks	bank	NOUN
ajssms-2102	14	15	in	in	ADP
ajssms-2102	14	16	nigeria	nigeria	PROPN
ajssms-2102	14	17	.	.	PUNCT
ajssms-2102	15	1	asian	asian	ADJ
ajssms-2102	15	2	journal	journal	PROPN
ajssms-2102	15	3	of	of	ADP
ajssms-2102	15	4	social	social	ADJ
ajssms-2102	15	5	sciences	sciences	PROPN
ajssms-2102	15	6	and	and	CCONJ
ajssms-2102	15	7	management	management	NOUN
ajssms-2102	15	8	studies	study	NOUN
ajssms-2102	15	9	,	,	PUNCT
ajssms-2102	15	10	7(3	7(3	NUM
ajssms-2102	15	11	):	):	PUNCT
ajssms-2102	15	12	250	250	NUM
ajssms-2102	15	13	-	-	SYM
ajssms-2102	15	14	257	257	NUM
ajssms-2102	15	15	.	.	PUNCT
ajssms-2102	16	1	history	history	NOUN
ajssms-2102	16	2	:	:	PUNCT
ajssms-2102	16	3	received	receive	VERB
ajssms-2102	16	4	:	:	PUNCT
ajssms-2102	16	5	2	2	NUM
ajssms-2102	16	6	june	june	PROPN
ajssms-2102	16	7	2020	2020	NUM
ajssms-2102	16	8	revised	revise	VERB
ajssms-2102	16	9	:	:	PUNCT
ajssms-2102	16	10	10	10	NUM
ajssms-2102	16	11	july	july	PROPN
ajssms-2102	16	12	2020	2020	NUM
ajssms-2102	16	13	accepted	accept	VERB
ajssms-2102	16	14	:	:	PUNCT
ajssms-2102	16	15	12	12	NUM
ajssms-2102	16	16	august	august	PROPN
ajssms-2102	16	17	2020	2020	NUM
ajssms-2102	16	18	published	publish	VERB
ajssms-2102	16	19	:	:	PUNCT
ajssms-2102	16	20	7	7	NUM
ajssms-2102	16	21	september	september	PROPN
ajssms-2102	16	22	2020	2020	NUM
ajssms-2102	16	23	licensed	license	VERB
ajssms-2102	16	24	:	:	PUNCT
ajssms-2102	16	25	this	this	DET
ajssms-2102	16	26	work	work	NOUN
ajssms-2102	16	27	is	be	AUX
ajssms-2102	16	28	licensed	license	VERB
ajssms-2102	16	29	under	under	ADP
ajssms-2102	16	30	a	a	DET
ajssms-2102	16	31	creative	creative	ADJ
ajssms-2102	16	32	commons	common	NOUN
ajssms-2102	16	33	attribution	attribution	NOUN
ajssms-2102	16	34	3.0	3.0	NUM
ajssms-2102	16	35	license	license	NOUN
ajssms-2102	16	36	publisher	publisher	NOUN
ajssms-2102	16	37	:	:	PUNCT
ajssms-2102	16	38	asian	asian	ADJ
ajssms-2102	16	39	online	online	PROPN
ajssms-2102	16	40	journal	journal	PROPN
ajssms-2102	16	41	publishing	publishing	NOUN
ajssms-2102	16	42	group	group	NOUN
ajssms-2102	16	43	acknowledgement	acknowledgement	NOUN
ajssms-2102	16	44	:	:	PUNCT
ajssms-2102	16	45	all	all	DET
ajssms-2102	16	46	authors	author	NOUN
ajssms-2102	16	47	contributed	contribute	VERB
ajssms-2102	16	48	to	to	ADP
ajssms-2102	16	49	the	the	DET
ajssms-2102	16	50	conception	conception	NOUN
ajssms-2102	16	51	and	and	CCONJ
ajssms-2102	16	52	design	design	NOUN
ajssms-2102	16	53	of	of	ADP
ajssms-2102	16	54	the	the	DET
ajssms-2102	16	55	study	study	NOUN
ajssms-2102	16	56	.	.	PUNCT
ajssms-2102	17	1	funding	funding	NOUN
ajssms-2102	17	2	:	:	PUNCT
ajssms-2102	17	3	this	this	DET
ajssms-2102	17	4	study	study	NOUN
ajssms-2102	17	5	received	receive	VERB
ajssms-2102	17	6	no	no	DET
ajssms-2102	17	7	specific	specific	ADJ
ajssms-2102	17	8	financial	financial	ADJ
ajssms-2102	17	9	support	support	NOUN
ajssms-2102	17	10	.	.	PUNCT
ajssms-2102	18	1	competing	compete	VERB
ajssms-2102	18	2	interests	interest	NOUN
ajssms-2102	18	3	:	:	PUNCT
ajssms-2102	18	4	the	the	DET
ajssms-2102	18	5	authors	author	NOUN
ajssms-2102	18	6	declare	declare	VERB
ajssms-2102	18	7	that	that	SCONJ
ajssms-2102	18	8	they	they	PRON
ajssms-2102	18	9	have	have	VERB
ajssms-2102	18	10	no	no	DET
ajssms-2102	18	11	conflict	conflict	NOUN
ajssms-2102	18	12	of	of	ADP
ajssms-2102	18	13	interests	interest	NOUN
ajssms-2102	18	14	.	.	PUNCT
ajssms-2102	19	1	transparency	transparency	NOUN
ajssms-2102	19	2	:	:	PUNCT
ajssms-2102	19	3	the	the	DET
ajssms-2102	19	4	authors	author	NOUN
ajssms-2102	19	5	confirm	confirm	VERB
ajssms-2102	19	6	that	that	SCONJ
ajssms-2102	19	7	the	the	DET
ajssms-2102	19	8	manuscript	manuscript	NOUN
ajssms-2102	19	9	is	be	AUX
ajssms-2102	19	10	an	an	DET
ajssms-2102	19	11	honest	honest	ADJ
ajssms-2102	19	12	,	,	PUNCT
ajssms-2102	19	13	accurate	accurate	ADJ
ajssms-2102	19	14	,	,	PUNCT
ajssms-2102	19	15	and	and	CCONJ
ajssms-2102	19	16	transparent	transparent	ADJ
ajssms-2102	19	17	account	account	NOUN
ajssms-2102	19	18	of	of	ADP
ajssms-2102	19	19	the	the	DET
ajssms-2102	19	20	study	study	NOUN
ajssms-2102	19	21	was	be	AUX
ajssms-2102	19	22	reported	report	VERB
ajssms-2102	19	23	;	;	PUNCT
ajssms-2102	19	24	that	that	SCONJ
ajssms-2102	19	25	no	no	DET
ajssms-2102	19	26	vital	vital	ADJ
ajssms-2102	19	27	features	feature	NOUN
ajssms-2102	19	28	of	of	ADP
ajssms-2102	19	29	the	the	DET
ajssms-2102	19	30	study	study	NOUN
ajssms-2102	19	31	have	have	AUX
ajssms-2102	19	32	been	be	AUX
ajssms-2102	19	33	omitted	omit	VERB
ajssms-2102	19	34	;	;	PUNCT
ajssms-2102	19	35	and	and	CCONJ
ajssms-2102	19	36	that	that	SCONJ
ajssms-2102	19	37	any	any	DET
ajssms-2102	19	38	discrepancies	discrepancy	NOUN
ajssms-2102	19	39	from	from	ADP
ajssms-2102	19	40	the	the	DET
ajssms-2102	19	41	study	study	NOUN
ajssms-2102	19	42	as	as	SCONJ
ajssms-2102	19	43	planned	plan	VERB
ajssms-2102	19	44	have	have	AUX
ajssms-2102	19	45	been	be	AUX
ajssms-2102	19	46	explained	explain	VERB
ajssms-2102	19	47	.	.	PUNCT
ajssms-2102	20	1	ethical	ethical	ADJ
ajssms-2102	20	2	:	:	PUNCT
ajssms-2102	20	3	this	this	DET
ajssms-2102	20	4	study	study	NOUN
ajssms-2102	20	5	follows	follow	VERB
ajssms-2102	20	6	all	all	DET
ajssms-2102	20	7	ethical	ethical	ADJ
ajssms-2102	20	8	practices	practice	NOUN
ajssms-2102	20	9	during	during	ADP
ajssms-2102	20	10	writing	writing	NOUN
ajssms-2102	20	11	.	.	PUNCT
ajssms-2102	21	1	contents	content	NOUN
ajssms-2102	21	2	1	1	NUM
ajssms-2102	21	3	.	.	PUNCT
ajssms-2102	22	1	introduction	introduction	NOUN
ajssms-2102	22	2	....................................................................................................................................................................................	....................................................................................................................................................................................	VERB
ajssms-2102	22	3	251	251	NUM
ajssms-2102	22	4	2	2	NUM
ajssms-2102	22	5	.	.	PUNCT
ajssms-2102	23	1	literature	literature	PROPN
ajssms-2102	23	2	review	review	PROPN
ajssms-2102	23	3	..........................................................................................................................................................................	..........................................................................................................................................................................	PUNCT
ajssms-2102	24	1	252	252	NUM
ajssms-2102	24	2	3	3	NUM
ajssms-2102	24	3	.	.	PUNCT
ajssms-2102	24	4	methodological	methodological	ADJ
ajssms-2102	24	5	framework	framework	NOUN
ajssms-2102	24	6	........................................................................................................................................................	........................................................................................................................................................	VERB
ajssms-2102	24	7	253	253	NUM
ajssms-2102	24	8	4	4	NUM
ajssms-2102	24	9	.	.	PUNCT
ajssms-2102	25	1	result	result	NOUN
ajssms-2102	25	2	and	and	CCONJ
ajssms-2102	25	3	discussion	discussion	NOUN
ajssms-2102	25	4	...................................................................................................................................................................	...................................................................................................................................................................	PUNCT
ajssms-2102	26	1	254	254	NUM
ajssms-2102	26	2	5	5	NUM
ajssms-2102	26	3	.	.	PUNCT
ajssms-2102	26	4	conclusion	conclusion	NOUN
ajssms-2102	26	5	and	and	CCONJ
ajssms-2102	26	6	recommendations	recommendation	NOUN
ajssms-2102	26	7	.............................................................................................................................................	.............................................................................................................................................	PUNCT
ajssms-2102	27	1	256	256	NUM
ajssms-2102	27	2	references	reference	NOUN
ajssms-2102	27	3	............................................................................................................................................................................................	............................................................................................................................................................................................	VERB
ajssms-2102	27	4	257	257	NUM
ajssms-2102	27	5	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.500.2020.73.250.257&domain=pdf&date_stamp=2017-01-14	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.500.2020.73.250.257&domain=pdf&date_stamp=2017-01-14	NOUN
ajssms-2102	27	6	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajssms-2102	27	7	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajssms-2102	27	8	http://asianonlinejournals.com/index.php/ajssms/article/view/2102	http://asianonlinejournals.com/index.php/ajssms/article/view/2102	NOUN
ajssms-2102	27	9	https://orcid.org/0000-0003-2695-8885	https://orcid.org/0000-0003-2695-8885	VERB
ajssms-2102	27	10	asian	asian	ADJ
ajssms-2102	27	11	journal	journal	NOUN
ajssms-2102	27	12	of	of	ADP
ajssms-2102	27	13	social	social	ADJ
ajssms-2102	27	14	sciences	sciences	PROPN
ajssms-2102	27	15	and	and	CCONJ
ajssms-2102	27	16	management	management	NOUN
ajssms-2102	27	17	studies	study	NOUN
ajssms-2102	27	18	,	,	PUNCT
ajssms-2102	27	19	2020	2020	NUM
ajssms-2102	27	20	,	,	PUNCT
ajssms-2102	27	21	7(3	7(3	NUM
ajssms-2102	27	22	):	):	PUNCT
ajssms-2102	27	23	250	250	NUM
ajssms-2102	27	24	-	-	SYM
ajssms-2102	27	25	257	257	NUM
ajssms-2102	27	26	251	251	NUM
ajssms-2102	27	27	©	©	PROPN
ajssms-2102	27	28	2020	2020	NUM
ajssms-2102	27	29	by	by	ADP
ajssms-2102	27	30	the	the	DET
ajssms-2102	27	31	authors	author	NOUN
ajssms-2102	27	32	;	;	PUNCT
ajssms-2102	27	33	licensee	licensee	PROPN
ajssms-2102	27	34	asian	asian	ADJ
ajssms-2102	27	35	online	online	PROPN
ajssms-2102	27	36	journal	journal	PROPN
ajssms-2102	27	37	publishing	publishing	NOUN
ajssms-2102	27	38	group	group	NOUN
ajssms-2102	27	39	contribution	contribution	NOUN
ajssms-2102	27	40	of	of	ADP
ajssms-2102	27	41	this	this	DET
ajssms-2102	27	42	paper	paper	NOUN
ajssms-2102	27	43	to	to	ADP
ajssms-2102	27	44	the	the	DET
ajssms-2102	27	45	literature	literature	NOUN
ajssms-2102	27	46	:	:	PUNCT
ajssms-2102	27	47	this	this	DET
ajssms-2102	27	48	study	study	NOUN
ajssms-2102	27	49	assessed	assess	VERB
ajssms-2102	27	50	enterprise	enterprise	NOUN
ajssms-2102	27	51	risk	risk	NOUN
ajssms-2102	27	52	management	management	NOUN
ajssms-2102	27	53	and	and	CCONJ
ajssms-2102	27	54	its	its	PRON
ajssms-2102	27	55	effect	effect	NOUN
ajssms-2102	27	56	on	on	ADP
ajssms-2102	27	57	sustainability	sustainability	NOUN
ajssms-2102	27	58	and	and	CCONJ
ajssms-2102	27	59	survival	survival	NOUN
ajssms-2102	27	60	of	of	ADP
ajssms-2102	27	61	deposit	deposit	NOUN
ajssms-2102	27	62	money	money	NOUN
ajssms-2102	27	63	banks	bank	NOUN
ajssms-2102	27	64	in	in	ADP
ajssms-2102	27	65	nigeria	nigeria	PROPN
ajssms-2102	27	66	.	.	PUNCT
ajssms-2102	28	1	1	1	X
ajssms-2102	28	2	.	.	X
ajssms-2102	28	3	introduction	introduction	NOUN
ajssms-2102	28	4	the	the	DET
ajssms-2102	28	5	advocacy	advocacy	NOUN
ajssms-2102	28	6	of	of	ADP
ajssms-2102	28	7	erm	erm	PROPN
ajssms-2102	28	8	in	in	ADP
ajssms-2102	28	9	banks	bank	NOUN
ajssms-2102	28	10	centers	center	NOUN
ajssms-2102	28	11	on	on	ADP
ajssms-2102	28	12	managing	manage	VERB
ajssms-2102	28	13	the	the	DET
ajssms-2102	28	14	objectives	objective	NOUN
ajssms-2102	28	15	of	of	ADP
ajssms-2102	28	16	banking	banking	NOUN
ajssms-2102	28	17	business	business	NOUN
ajssms-2102	28	18	.	.	PUNCT
ajssms-2102	29	1	these	these	DET
ajssms-2102	29	2	objectives	objective	NOUN
ajssms-2102	29	3	are	be	AUX
ajssms-2102	29	4	categorized	categorize	VERB
ajssms-2102	29	5	into	into	ADP
ajssms-2102	29	6	three	three	NUM
ajssms-2102	29	7	;	;	PUNCT
ajssms-2102	29	8	to	to	PART
ajssms-2102	29	9	successfully	successfully	ADV
ajssms-2102	29	10	mobilize	mobilize	VERB
ajssms-2102	29	11	the	the	DET
ajssms-2102	29	12	desired	desire	VERB
ajssms-2102	29	13	capital	capital	NOUN
ajssms-2102	29	14	that	that	PRON
ajssms-2102	29	15	will	will	AUX
ajssms-2102	29	16	sustain	sustain	VERB
ajssms-2102	29	17	current	current	ADJ
ajssms-2102	29	18	business	business	NOUN
ajssms-2102	29	19	and	and	CCONJ
ajssms-2102	29	20	future	future	ADJ
ajssms-2102	29	21	expansion	expansion	NOUN
ajssms-2102	29	22	opportunities	opportunity	NOUN
ajssms-2102	29	23	,	,	PUNCT
ajssms-2102	29	24	secondly	secondly	ADV
ajssms-2102	29	25	,	,	PUNCT
ajssms-2102	29	26	to	to	PART
ajssms-2102	29	27	maximize	maximize	VERB
ajssms-2102	29	28	returns	return	NOUN
ajssms-2102	29	29	on	on	ADP
ajssms-2102	29	30	investment	investment	NOUN
ajssms-2102	29	31	(	(	PUNCT
ajssms-2102	29	32	roi	roi	NOUN
ajssms-2102	29	33	)	)	PUNCT
ajssms-2102	29	34	given	give	VERB
ajssms-2102	29	35	the	the	DET
ajssms-2102	29	36	risk	risk	NOUN
ajssms-2102	29	37	inherent	inherent	ADJ
ajssms-2102	29	38	in	in	ADP
ajssms-2102	29	39	every	every	DET
ajssms-2102	29	40	transaction	transaction	NOUN
ajssms-2102	29	41	;	;	PUNCT
ajssms-2102	29	42	lastly	lastly	ADV
ajssms-2102	29	43	,	,	PUNCT
ajssms-2102	29	44	to	to	PART
ajssms-2102	29	45	sustain	sustain	VERB
ajssms-2102	29	46	the	the	DET
ajssms-2102	29	47	bank	bank	NOUN
ajssms-2102	29	48	capital	capital	NOUN
ajssms-2102	29	49	adequacy	adequacy	NOUN
ajssms-2102	29	50	and	and	CCONJ
ajssms-2102	29	51	statutory	statutory	ADJ
ajssms-2102	29	52	risk	risk	NOUN
ajssms-2102	29	53	governance	governance	NOUN
ajssms-2102	29	54	enacted	enact	VERB
ajssms-2102	29	55	by	by	ADP
ajssms-2102	29	56	authorities	authority	NOUN
ajssms-2102	29	57	and	and	CCONJ
ajssms-2102	29	58	rating	rating	NOUN
ajssms-2102	29	59	agencies	agency	NOUN
ajssms-2102	29	60	.	.	PUNCT
ajssms-2102	30	1	without	without	ADP
ajssms-2102	30	2	question	question	NOUN
ajssms-2102	30	3	,	,	PUNCT
ajssms-2102	30	4	the	the	DET
ajssms-2102	30	5	role	role	NOUN
ajssms-2102	30	6	enterprise	enterprise	NOUN
ajssms-2102	30	7	risk	risk	NOUN
ajssms-2102	30	8	management	management	NOUN
ajssms-2102	30	9	play	play	NOUN
ajssms-2102	30	10	in	in	ADP
ajssms-2102	30	11	profit	profit	NOUN
ajssms-2102	30	12	maximization	maximization	NOUN
ajssms-2102	30	13	and	and	CCONJ
ajssms-2102	30	14	survival	survival	NOUN
ajssms-2102	30	15	of	of	ADP
ajssms-2102	30	16	banks	bank	NOUN
ajssms-2102	30	17	and	and	CCONJ
ajssms-2102	30	18	any	any	DET
ajssms-2102	30	19	other	other	ADJ
ajssms-2102	30	20	company	company	NOUN
ajssms-2102	30	21	is	be	AUX
ajssms-2102	30	22	indispensable	indispensable	ADJ
ajssms-2102	30	23	.	.	PUNCT
ajssms-2102	31	1	gates	gates	PROPN
ajssms-2102	31	2	,	,	PUNCT
ajssms-2102	31	3	nicolas	nicolas	PROPN
ajssms-2102	31	4	,	,	PUNCT
ajssms-2102	31	5	and	and	CCONJ
ajssms-2102	31	6	walker	walker	NOUN
ajssms-2102	31	7	(	(	PUNCT
ajssms-2102	31	8	2012	2012	NUM
ajssms-2102	31	9	)	)	PUNCT
ajssms-2102	31	10	averred	aver	VERB
ajssms-2102	31	11	that	that	SCONJ
ajssms-2102	31	12	strategic	strategic	ADJ
ajssms-2102	31	13	risk	risk	NOUN
ajssms-2102	31	14	management	management	NOUN
ajssms-2102	31	15	enhances	enhance	VERB
ajssms-2102	31	16	management	management	NOUN
ajssms-2102	31	17	and	and	CCONJ
ajssms-2102	31	18	improves	improve	VERB
ajssms-2102	31	19	organizational	organizational	ADJ
ajssms-2102	31	20	performance	performance	NOUN
ajssms-2102	31	21	by	by	ADP
ajssms-2102	31	22	leading	lead	VERB
ajssms-2102	31	23	to	to	ADP
ajssms-2102	31	24	consensus	consensus	NOUN
ajssms-2102	31	25	among	among	ADP
ajssms-2102	31	26	management	management	NOUN
ajssms-2102	31	27	and	and	CCONJ
ajssms-2102	31	28	strengthening	strengthen	VERB
ajssms-2102	31	29	decision	decision	NOUN
ajssms-2102	31	30	making	making	NOUN
ajssms-2102	31	31	and	and	CCONJ
ajssms-2102	31	32	accountability	accountability	NOUN
ajssms-2102	31	33	.	.	PUNCT
ajssms-2102	32	1	enterprise	enterprise	NOUN
ajssms-2102	32	2	risk	risk	NOUN
ajssms-2102	32	3	management	management	NOUN
ajssms-2102	32	4	increases	increase	VERB
ajssms-2102	32	5	risk	risk	NOUN
ajssms-2102	32	6	awareness	awareness	NOUN
ajssms-2102	32	7	and	and	CCONJ
ajssms-2102	32	8	subsequently	subsequently	ADV
ajssms-2102	32	9	increases	increase	VERB
ajssms-2102	32	10	knowledge	knowledge	NOUN
ajssms-2102	32	11	that	that	PRON
ajssms-2102	32	12	leads	lead	VERB
ajssms-2102	32	13	to	to	PART
ajssms-2102	32	14	sound	sound	VERB
ajssms-2102	32	15	decision	decision	NOUN
ajssms-2102	32	16	making	making	NOUN
ajssms-2102	32	17	throughout	throughout	ADP
ajssms-2102	32	18	the	the	DET
ajssms-2102	32	19	organization	organization	NOUN
ajssms-2102	32	20	(	(	PUNCT
ajssms-2102	32	21	kleffner	kleffner	PROPN
ajssms-2102	32	22	,	,	PUNCT
ajssms-2102	32	23	lee	lee	PROPN
ajssms-2102	32	24	,	,	PUNCT
ajssms-2102	32	25	&	&	CCONJ
ajssms-2102	32	26	mcgannon	mcgannon	PROPN
ajssms-2102	32	27	,	,	PUNCT
ajssms-2102	32	28	2003	2003	NUM
ajssms-2102	32	29	)	)	PUNCT
ajssms-2102	32	30	.	.	PUNCT
ajssms-2102	33	1	enterprise	enterprise	NOUN
ajssms-2102	33	2	risk	risk	NOUN
ajssms-2102	33	3	management	management	NOUN
ajssms-2102	33	4	(	(	PUNCT
ajssms-2102	33	5	erm	erm	PROPN
ajssms-2102	33	6	)	)	PUNCT
ajssms-2102	33	7	as	as	ADP
ajssms-2102	33	8	a	a	DET
ajssms-2102	33	9	discipline	discipline	NOUN
ajssms-2102	33	10	has	have	AUX
ajssms-2102	33	11	received	receive	VERB
ajssms-2102	33	12	both	both	DET
ajssms-2102	33	13	local	local	ADJ
ajssms-2102	33	14	and	and	CCONJ
ajssms-2102	33	15	international	international	ADJ
ajssms-2102	33	16	attention	attention	NOUN
ajssms-2102	33	17	in	in	ADP
ajssms-2102	33	18	recent	recent	ADJ
ajssms-2102	33	19	years	year	NOUN
ajssms-2102	33	20	(	(	PUNCT
ajssms-2102	33	21	arena	arena	NOUN
ajssms-2102	33	22	,	,	PUNCT
ajssms-2102	33	23	arnaboldi	arnaboldi	NOUN
ajssms-2102	33	24	,	,	PUNCT
ajssms-2102	33	25	&	&	CCONJ
ajssms-2102	33	26	azzone	azzone	PROPN
ajssms-2102	33	27	,	,	PUNCT
ajssms-2102	33	28	2010	2010	NUM
ajssms-2102	33	29	)	)	PUNCT
ajssms-2102	33	30	.	.	PUNCT
ajssms-2102	34	1	the	the	DET
ajssms-2102	34	2	growing	grow	VERB
ajssms-2102	34	3	interest	interest	NOUN
ajssms-2102	34	4	in	in	ADP
ajssms-2102	34	5	enterprise	enterprise	NOUN
ajssms-2102	34	6	risk	risk	NOUN
ajssms-2102	34	7	management	management	NOUN
ajssms-2102	34	8	has	have	AUX
ajssms-2102	34	9	been	be	AUX
ajssms-2102	34	10	attributed	attribute	VERB
ajssms-2102	34	11	to	to	ADP
ajssms-2102	34	12	a	a	DET
ajssms-2102	34	13	considerable	considerable	ADJ
ajssms-2102	34	14	numerous	numerous	ADJ
ajssms-2102	34	15	challenges	challenge	NOUN
ajssms-2102	34	16	ranging	range	VERB
ajssms-2102	34	17	from	from	ADP
ajssms-2102	34	18	global	global	ADJ
ajssms-2102	34	19	financial	financial	ADJ
ajssms-2102	34	20	crises	crisis	NOUN
ajssms-2102	34	21	,	,	PUNCT
ajssms-2102	34	22	corporate	corporate	ADJ
ajssms-2102	34	23	frauds	fraud	NOUN
ajssms-2102	34	24	etc	etc	X
ajssms-2102	34	25	.	.	X
ajssms-2102	34	26	in	in	ADP
ajssms-2102	34	27	nigeria	nigeria	PROPN
ajssms-2102	34	28	,	,	PUNCT
ajssms-2102	34	29	banking	banking	NOUN
ajssms-2102	34	30	sector	sector	NOUN
ajssms-2102	34	31	in	in	ADP
ajssms-2102	34	32	their	their	PRON
ajssms-2102	34	33	operations	operation	NOUN
ajssms-2102	34	34	are	be	AUX
ajssms-2102	34	35	exposed	expose	VERB
ajssms-2102	34	36	to	to	ADP
ajssms-2102	34	37	arrays	array	NOUN
ajssms-2102	34	38	of	of	ADP
ajssms-2102	34	39	impediments	impediment	NOUN
ajssms-2102	34	40	;	;	PUNCT
ajssms-2102	34	41	they	they	PRON
ajssms-2102	34	42	range	range	VERB
ajssms-2102	34	43	from	from	ADP
ajssms-2102	34	44	liquidation	liquidation	NOUN
ajssms-2102	34	45	,	,	PUNCT
ajssms-2102	34	46	exchange	exchange	NOUN
ajssms-2102	34	47	rates	rate	NOUN
ajssms-2102	34	48	fluctuations	fluctuation	NOUN
ajssms-2102	34	49	,	,	PUNCT
ajssms-2102	34	50	inflationary	inflationary	ADJ
ajssms-2102	34	51	tendencies	tendency	NOUN
ajssms-2102	34	52	and	and	CCONJ
ajssms-2102	34	53	other	other	ADJ
ajssms-2102	34	54	problems	problem	NOUN
ajssms-2102	34	55	prominent	prominent	ADJ
ajssms-2102	34	56	in	in	ADP
ajssms-2102	34	57	the	the	DET
ajssms-2102	34	58	industry	industry	NOUN
ajssms-2102	34	59	.	.	PUNCT
ajssms-2102	35	1	according	accord	VERB
ajssms-2102	35	2	to	to	ADP
ajssms-2102	35	3	paape	paape	NOUN
ajssms-2102	35	4	and	and	CCONJ
ajssms-2102	35	5	speklè	speklè	PROPN
ajssms-2102	35	6	(	(	PUNCT
ajssms-2102	35	7	2012	2012	NUM
ajssms-2102	35	8	)	)	PUNCT
ajssms-2102	35	9	the	the	DET
ajssms-2102	35	10	aforementioned	aforementioned	ADJ
ajssms-2102	35	11	has	have	AUX
ajssms-2102	35	12	prompted	prompt	VERB
ajssms-2102	35	13	governments	government	NOUN
ajssms-2102	35	14	,	,	PUNCT
ajssms-2102	35	15	law	law	NOUN
ajssms-2102	35	16	making	make	VERB
ajssms-2102	35	17	bodies	body	NOUN
ajssms-2102	35	18	,	,	PUNCT
ajssms-2102	35	19	regulators	regulator	NOUN
ajssms-2102	35	20	and	and	CCONJ
ajssms-2102	35	21	other	other	ADJ
ajssms-2102	35	22	stakeholders	stakeholder	NOUN
ajssms-2102	35	23	within	within	ADP
ajssms-2102	35	24	the	the	DET
ajssms-2102	35	25	global	global	ADJ
ajssms-2102	35	26	economic	economic	ADJ
ajssms-2102	35	27	community	community	NOUN
ajssms-2102	35	28	to	to	PART
ajssms-2102	35	29	explore	explore	VERB
ajssms-2102	35	30	further	further	ADJ
ajssms-2102	35	31	insight	insight	NOUN
ajssms-2102	35	32	and	and	CCONJ
ajssms-2102	35	33	understanding	understanding	NOUN
ajssms-2102	35	34	of	of	ADP
ajssms-2102	35	35	current	current	ADJ
ajssms-2102	35	36	and	and	CCONJ
ajssms-2102	35	37	emerging	emerge	VERB
ajssms-2102	35	38	risks	risk	NOUN
ajssms-2102	35	39	facing	face	VERB
ajssms-2102	35	40	organizations	organization	NOUN
ajssms-2102	35	41	.	.	PUNCT
ajssms-2102	36	1	in	in	ADP
ajssms-2102	36	2	the	the	DET
ajssms-2102	36	3	search	search	NOUN
ajssms-2102	36	4	for	for	ADP
ajssms-2102	36	5	sustainability	sustainability	NOUN
ajssms-2102	36	6	and	and	CCONJ
ajssms-2102	36	7	survival	survival	NOUN
ajssms-2102	36	8	of	of	ADP
ajssms-2102	36	9	deposit	deposit	NOUN
ajssms-2102	36	10	money	money	NOUN
ajssms-2102	36	11	banks	bank	NOUN
ajssms-2102	36	12	,	,	PUNCT
ajssms-2102	36	13	there	there	PRON
ajssms-2102	36	14	is	be	VERB
ajssms-2102	36	15	a	a	DET
ajssms-2102	36	16	great	great	ADJ
ajssms-2102	36	17	concern	concern	NOUN
ajssms-2102	36	18	as	as	ADP
ajssms-2102	36	19	to	to	ADP
ajssms-2102	36	20	the	the	DET
ajssms-2102	36	21	extent	extent	NOUN
ajssms-2102	36	22	to	to	PART
ajssms-2102	36	23	which	which	PRON
ajssms-2102	36	24	banks	bank	NOUN
ajssms-2102	36	25	mitigaterisk	mitigaterisk	VERB
ajssms-2102	36	26	.	.	PUNCT
ajssms-2102	37	1	one	one	PRON
ajssms-2102	37	2	could	could	AUX
ajssms-2102	37	3	argue	argue	VERB
ajssms-2102	37	4	that	that	SCONJ
ajssms-2102	37	5	bank	bank	NOUN
ajssms-2102	37	6	sustainability	sustainability	NOUN
ajssms-2102	37	7	and	and	CCONJ
ajssms-2102	37	8	survival	survival	NOUN
ajssms-2102	37	9	indicators	indicator	NOUN
ajssms-2102	37	10	such	such	ADJ
ajssms-2102	37	11	as	as	ADP
ajssms-2102	37	12	strategic	strategic	ADJ
ajssms-2102	37	13	and	and	CCONJ
ajssms-2102	37	14	financial	financial	ADJ
ajssms-2102	37	15	plan	plan	NOUN
ajssms-2102	37	16	,	,	PUNCT
ajssms-2102	37	17	income	income	NOUN
ajssms-2102	37	18	diversification	diversification	NOUN
ajssms-2102	37	19	scheme	scheme	NOUN
ajssms-2102	37	20	and	and	CCONJ
ajssms-2102	37	21	sound	sound	NOUN
ajssms-2102	37	22	administration	administration	NOUN
ajssms-2102	37	23	and	and	CCONJ
ajssms-2102	37	24	financial	financial	ADJ
ajssms-2102	37	25	management	management	NOUN
ajssms-2102	37	26	of	of	ADP
ajssms-2102	37	27	banks	bank	NOUN
ajssms-2102	37	28	have	have	AUX
ajssms-2102	37	29	not	not	PART
ajssms-2102	37	30	been	be	AUX
ajssms-2102	37	31	met	meet	VERB
ajssms-2102	37	32	satisfactorily	satisfactorily	ADV
ajssms-2102	37	33	.	.	PUNCT
ajssms-2102	38	1	in	in	ADP
ajssms-2102	38	2	fact	fact	NOUN
ajssms-2102	38	3	,	,	PUNCT
ajssms-2102	38	4	m.	m.	NOUN
ajssms-2102	38	5	beasley	beasley	PROPN
ajssms-2102	38	6	,	,	PUNCT
ajssms-2102	38	7	branson	branson	PROPN
ajssms-2102	38	8	,	,	PUNCT
ajssms-2102	38	9	and	and	CCONJ
ajssms-2102	38	10	hancock	hancock	PROPN
ajssms-2102	38	11	(	(	PUNCT
ajssms-2102	38	12	2010	2010	NUM
ajssms-2102	38	13	)	)	PUNCT
ajssms-2102	38	14	surmise	surmise	VERB
ajssms-2102	38	15	that	that	SCONJ
ajssms-2102	38	16	banks	bank	NOUN
ajssms-2102	38	17	still	still	ADV
ajssms-2102	38	18	need	need	VERB
ajssms-2102	38	19	a	a	DET
ajssms-2102	38	20	readjustment	readjustment	NOUN
ajssms-2102	38	21	of	of	ADP
ajssms-2102	38	22	their	their	PRON
ajssms-2102	38	23	internal	internal	ADJ
ajssms-2102	38	24	processes	process	NOUN
ajssms-2102	38	25	to	to	PART
ajssms-2102	38	26	accommodate	accommodate	VERB
ajssms-2102	38	27	the	the	DET
ajssms-2102	38	28	requirement	requirement	NOUN
ajssms-2102	38	29	for	for	ADP
ajssms-2102	38	30	erm	erm	PROPN
ajssms-2102	38	31	assessment	assessment	NOUN
ajssms-2102	38	32	.	.	PUNCT
ajssms-2102	39	1	aside	aside	ADP
ajssms-2102	39	2	the	the	DET
ajssms-2102	39	3	complexity	complexity	NOUN
ajssms-2102	39	4	of	of	ADP
ajssms-2102	39	5	bank	bank	NOUN
ajssms-2102	39	6	transactions	transaction	NOUN
ajssms-2102	39	7	which	which	PRON
ajssms-2102	39	8	kerstin	kerstin	PROPN
ajssms-2102	39	9	et	et	PROPN
ajssms-2102	39	10	al	al	PROPN
ajssms-2102	39	11	.	.	PROPN
ajssms-2102	39	12	2014	2014	NUM
ajssms-2102	39	13	described	describe	VERB
ajssms-2102	39	14	as	as	ADP
ajssms-2102	39	15	dynamic	dynamic	ADJ
ajssms-2102	39	16	changes	change	NOUN
ajssms-2102	39	17	or	or	CCONJ
ajssms-2102	39	18	volatility	volatility	NOUN
ajssms-2102	39	19	,	,	PUNCT
ajssms-2102	39	20	ambiguity	ambiguity	NOUN
ajssms-2102	39	21	of	of	ADP
ajssms-2102	39	22	cause	cause	NOUN
ajssms-2102	39	23	and	and	CCONJ
ajssms-2102	39	24	effects	effect	NOUN
ajssms-2102	39	25	of	of	ADP
ajssms-2102	39	26	risks	risk	NOUN
ajssms-2102	39	27	,	,	PUNCT
ajssms-2102	39	28	uncertainty	uncertainty	NOUN
ajssms-2102	39	29	and	and	CCONJ
ajssms-2102	39	30	disarrays	disarray	NOUN
ajssms-2102	39	31	surrounding	surround	VERB
ajssms-2102	39	32	banking	banking	NOUN
ajssms-2102	39	33	institutions	institution	NOUN
ajssms-2102	39	34	,	,	PUNCT
ajssms-2102	39	35	other	other	ADJ
ajssms-2102	39	36	leading	lead	VERB
ajssms-2102	39	37	source	source	NOUN
ajssms-2102	39	38	of	of	ADP
ajssms-2102	39	39	problems	problem	NOUN
ajssms-2102	39	40	threatening	threaten	VERB
ajssms-2102	39	41	the	the	DET
ajssms-2102	39	42	sustainability	sustainability	NOUN
ajssms-2102	39	43	and	and	CCONJ
ajssms-2102	39	44	survival	survival	NOUN
ajssms-2102	39	45	of	of	ADP
ajssms-2102	39	46	deposit	deposit	NOUN
ajssms-2102	39	47	money	money	NOUN
ajssms-2102	39	48	banks	bank	NOUN
ajssms-2102	39	49	in	in	ADP
ajssms-2102	39	50	nigeria	nigeria	PROPN
ajssms-2102	39	51	can	can	AUX
ajssms-2102	39	52	be	be	AUX
ajssms-2102	39	53	attributed	attribute	VERB
ajssms-2102	39	54	to	to	ADP
ajssms-2102	39	55	insufficient	insufficient	ADJ
ajssms-2102	39	56	resources	resource	NOUN
ajssms-2102	39	57	available	available	ADJ
ajssms-2102	39	58	to	to	PART
ajssms-2102	39	59	meet	meet	VERB
ajssms-2102	39	60	bank	bank	NOUN
ajssms-2102	39	61	objectives	objective	NOUN
ajssms-2102	39	62	,	,	PUNCT
ajssms-2102	39	63	high	high	ADJ
ajssms-2102	39	64	dependency	dependency	NOUN
ajssms-2102	39	65	on	on	ADP
ajssms-2102	39	66	a	a	DET
ajssms-2102	39	67	single	single	ADJ
ajssms-2102	39	68	stream	stream	NOUN
ajssms-2102	39	69	of	of	ADP
ajssms-2102	39	70	income	income	NOUN
ajssms-2102	39	71	and	and	CCONJ
ajssms-2102	39	72	inadequate	inadequate	ADJ
ajssms-2102	39	73	provision	provision	NOUN
ajssms-2102	39	74	for	for	ADP
ajssms-2102	39	75	training	training	NOUN
ajssms-2102	39	76	of	of	ADP
ajssms-2102	39	77	staff	staff	NOUN
ajssms-2102	39	78	and	and	CCONJ
ajssms-2102	39	79	risk	risk	NOUN
ajssms-2102	39	80	officers	officer	NOUN
ajssms-2102	39	81	.	.	PUNCT
ajssms-2102	40	1	thus	thus	ADV
ajssms-2102	40	2	,	,	PUNCT
ajssms-2102	40	3	there	there	PRON
ajssms-2102	40	4	is	be	VERB
ajssms-2102	40	5	an	an	DET
ajssms-2102	40	6	urgent	urgent	ADJ
ajssms-2102	40	7	need	need	NOUN
ajssms-2102	40	8	to	to	PART
ajssms-2102	40	9	identify	identify	VERB
ajssms-2102	40	10	,	,	PUNCT
ajssms-2102	40	11	assesses	assesse	NOUN
ajssms-2102	40	12	and	and	CCONJ
ajssms-2102	40	13	manage	manage	VERB
ajssms-2102	40	14	various	various	ADJ
ajssms-2102	40	15	individual	individual	ADJ
ajssms-2102	40	16	risks	risk	NOUN
ajssms-2102	40	17	inherent	inherent	ADJ
ajssms-2102	40	18	in	in	ADP
ajssms-2102	40	19	the	the	DET
ajssms-2102	40	20	day	day	NOUN
ajssms-2102	40	21	to	to	ADP
ajssms-2102	40	22	day	day	NOUN
ajssms-2102	40	23	operations	operation	NOUN
ajssms-2102	40	24	of	of	ADP
ajssms-2102	40	25	banks	bank	NOUN
ajssms-2102	40	26	.	.	PUNCT
ajssms-2102	41	1	professionals	professional	NOUN
ajssms-2102	41	2	in	in	ADP
ajssms-2102	41	3	the	the	DET
ajssms-2102	41	4	discipline	discipline	NOUN
ajssms-2102	41	5	of	of	ADP
ajssms-2102	41	6	risk	risk	NOUN
ajssms-2102	41	7	management	management	NOUN
ajssms-2102	41	8	surmise	surmise	VERB
ajssms-2102	41	9	that	that	SCONJ
ajssms-2102	41	10	financial	financial	ADJ
ajssms-2102	41	11	crisis	crisis	NOUN
ajssms-2102	41	12	faced	face	VERB
ajssms-2102	41	13	by	by	ADP
ajssms-2102	41	14	banks	bank	NOUN
ajssms-2102	41	15	and	and	CCONJ
ajssms-2102	41	16	other	other	ADJ
ajssms-2102	41	17	financial	financial	ADJ
ajssms-2102	41	18	institutions	institution	NOUN
ajssms-2102	41	19	emanated	emanate	VERB
ajssms-2102	41	20	from	from	ADP
ajssms-2102	41	21	the	the	DET
ajssms-2102	41	22	failure	failure	NOUN
ajssms-2102	41	23	of	of	ADP
ajssms-2102	41	24	the	the	DET
ajssms-2102	41	25	corporate	corporate	ADJ
ajssms-2102	41	26	world	world	NOUN
ajssms-2102	41	27	to	to	PART
ajssms-2102	41	28	embrace	embrace	VERB
ajssms-2102	41	29	erm	erm	NOUN
ajssms-2102	41	30	globally	globally	ADV
ajssms-2102	41	31	,	,	PUNCT
ajssms-2102	41	32	suggesting	suggest	VERB
ajssms-2102	41	33	that	that	SCONJ
ajssms-2102	41	34	the	the	DET
ajssms-2102	41	35	acceptance	acceptance	NOUN
ajssms-2102	41	36	and	and	CCONJ
ajssms-2102	41	37	implementation	implementation	NOUN
ajssms-2102	41	38	of	of	ADP
ajssms-2102	41	39	erm	erm	PROPN
ajssms-2102	41	40	may	may	AUX
ajssms-2102	41	41	forestall	forestall	VERB
ajssms-2102	41	42	reoccurrence	reoccurrence	NOUN
ajssms-2102	41	43	(	(	PUNCT
ajssms-2102	41	44	senior	senior	ADJ
ajssms-2102	41	45	supervisors	supervisor	NOUN
ajssms-2102	41	46	group	group	NOUN
ajssms-2102	41	47	,	,	PUNCT
ajssms-2102	41	48	2009	2009	NUM
ajssms-2102	41	49	)	)	PUNCT
ajssms-2102	41	50	.	.	PUNCT
ajssms-2102	42	1	in	in	ADP
ajssms-2102	42	2	addition	addition	NOUN
ajssms-2102	42	3	,	,	PUNCT
ajssms-2102	42	4	most	most	ADJ
ajssms-2102	42	5	nigerian	nigerian	ADJ
ajssms-2102	42	6	banks	bank	NOUN
ajssms-2102	42	7	still	still	ADV
ajssms-2102	42	8	finds	find	VERB
ajssms-2102	42	9	it	it	PRON
ajssms-2102	42	10	difficult	difficult	ADJ
ajssms-2102	42	11	to	to	PART
ajssms-2102	42	12	embed	embed	VERB
ajssms-2102	42	13	risk	risk	NOUN
ajssms-2102	42	14	appetite	appetite	NOUN
ajssms-2102	42	15	.	.	PUNCT
ajssms-2102	43	1	it	it	PRON
ajssms-2102	43	2	is	be	AUX
ajssms-2102	43	3	envisaged	envisage	VERB
ajssms-2102	43	4	that	that	SCONJ
ajssms-2102	43	5	it	it	PRON
ajssms-2102	43	6	will	will	AUX
ajssms-2102	43	7	take	take	VERB
ajssms-2102	43	8	longer	long	ADV
ajssms-2102	43	9	for	for	SCONJ
ajssms-2102	43	10	nigerian	nigerian	ADJ
ajssms-2102	43	11	banks	bank	NOUN
ajssms-2102	43	12	to	to	PART
ajssms-2102	43	13	completely	completely	ADV
ajssms-2102	43	14	integrate	integrate	VERB
ajssms-2102	43	15	with	with	ADP
ajssms-2102	43	16	the	the	DET
ajssms-2102	43	17	current	current	ADJ
ajssms-2102	43	18	international	international	ADJ
ajssms-2102	43	19	trend	trend	NOUN
ajssms-2102	43	20	in	in	ADP
ajssms-2102	43	21	risk	risk	NOUN
ajssms-2102	43	22	management	management	NOUN
ajssms-2102	43	23	chris	chris	PROPN
ajssms-2102	43	24	and	and	CCONJ
ajssms-2102	43	25	orok	orok	PROPN
ajssms-2102	43	26	(	(	PUNCT
ajssms-2102	43	27	2017	2017	NUM
ajssms-2102	43	28	)	)	PUNCT
ajssms-2102	43	29	.	.	PUNCT
ajssms-2102	44	1	the	the	DET
ajssms-2102	44	2	reasons	reason	NOUN
ajssms-2102	44	3	are	be	AUX
ajssms-2102	44	4	not	not	PART
ajssms-2102	44	5	farfetched	farfetche	VERB
ajssms-2102	44	6	as	as	SCONJ
ajssms-2102	44	7	most	most	ADJ
ajssms-2102	44	8	of	of	ADP
ajssms-2102	44	9	the	the	DET
ajssms-2102	44	10	banks	bank	NOUN
ajssms-2102	44	11	have	have	AUX
ajssms-2102	44	12	not	not	PART
ajssms-2102	44	13	completely	completely	ADV
ajssms-2102	44	14	implemented	implement	VERB
ajssms-2102	44	15	bank	bank	NOUN
ajssms-2102	44	16	-	-	PUNCT
ajssms-2102	44	17	wide	wide	ADJ
ajssms-2102	44	18	risk	risk	NOUN
ajssms-2102	44	19	management	management	NOUN
ajssms-2102	44	20	as	as	SCONJ
ajssms-2102	44	21	such	such	DET
ajssms-2102	44	22	the	the	DET
ajssms-2102	44	23	need	need	NOUN
ajssms-2102	44	24	to	to	PART
ajssms-2102	44	25	institutionalize	institutionalize	VERB
ajssms-2102	44	26	erm	erm	PROPN
ajssms-2102	44	27	in	in	ADP
ajssms-2102	44	28	the	the	DET
ajssms-2102	44	29	banking	banking	NOUN
ajssms-2102	44	30	industry	industry	NOUN
ajssms-2102	44	31	translates	translate	VERB
ajssms-2102	44	32	to	to	ADP
ajssms-2102	44	33	the	the	DET
ajssms-2102	44	34	fact	fact	NOUN
ajssms-2102	44	35	that	that	SCONJ
ajssms-2102	44	36	each	each	DET
ajssms-2102	44	37	components	component	NOUN
ajssms-2102	44	38	of	of	ADP
ajssms-2102	44	39	risk	risk	NOUN
ajssms-2102	44	40	must	must	AUX
ajssms-2102	44	41	be	be	AUX
ajssms-2102	44	42	treated	treat	VERB
ajssms-2102	44	43	collectively	collectively	ADV
ajssms-2102	44	44	.	.	PUNCT
ajssms-2102	45	1	a	a	DET
ajssms-2102	45	2	major	major	ADJ
ajssms-2102	45	3	step	step	NOUN
ajssms-2102	45	4	taken	take	VERB
ajssms-2102	45	5	in	in	ADP
ajssms-2102	45	6	this	this	DET
ajssms-2102	45	7	direction	direction	NOUN
ajssms-2102	45	8	is	be	AUX
ajssms-2102	45	9	a	a	DET
ajssms-2102	45	10	paradigm	paradigm	NOUN
ajssms-2102	45	11	shift	shift	NOUN
ajssms-2102	45	12	from	from	ADP
ajssms-2102	45	13	silo	silo	NOUN
ajssms-2102	45	14	-	-	PUNCT
ajssms-2102	45	15	based	base	VERB
ajssms-2102	45	16	risk	risk	NOUN
ajssms-2102	45	17	management	management	NOUN
ajssms-2102	45	18	to	to	ADP
ajssms-2102	45	19	a	a	DET
ajssms-2102	45	20	holistic	holistic	ADJ
ajssms-2102	45	21	approach	approach	NOUN
ajssms-2102	45	22	to	to	ADP
ajssms-2102	45	23	risk	risk	NOUN
ajssms-2102	45	24	management	management	NOUN
ajssms-2102	45	25	commonly	commonly	ADV
ajssms-2102	45	26	known	know	VERB
ajssms-2102	45	27	as	as	ADP
ajssms-2102	45	28	enterprise	enterprise	NOUN
ajssms-2102	45	29	risk	risk	NOUN
ajssms-2102	45	30	management	management	NOUN
ajssms-2102	45	31	(	(	PUNCT
ajssms-2102	45	32	gordon	gordon	PROPN
ajssms-2102	45	33	,	,	PUNCT
ajssms-2102	45	34	loeb	loeb	PROPN
ajssms-2102	45	35	,	,	PUNCT
ajssms-2102	45	36	&	&	CCONJ
ajssms-2102	45	37	tseng	tseng	PROPN
ajssms-2102	45	38	,	,	PUNCT
ajssms-2102	45	39	2009	2009	NUM
ajssms-2102	45	40	;	;	PUNCT
ajssms-2102	45	41	hoyt	hoyt	PROPN
ajssms-2102	45	42	&	&	CCONJ
ajssms-2102	45	43	liebenberg	liebenberg	PROPN
ajssms-2102	45	44	,	,	PUNCT
ajssms-2102	45	45	2011	2011	NUM
ajssms-2102	45	46	)	)	PUNCT
ajssms-2102	45	47	.	.	PUNCT
ajssms-2102	46	1	in	in	ADP
ajssms-2102	46	2	line	line	NOUN
ajssms-2102	46	3	with	with	ADP
ajssms-2102	46	4	this	this	PRON
ajssms-2102	46	5	,	,	PUNCT
ajssms-2102	46	6	a	a	DET
ajssms-2102	46	7	number	number	NOUN
ajssms-2102	46	8	of	of	ADP
ajssms-2102	46	9	firms	firm	NOUN
ajssms-2102	46	10	and	and	CCONJ
ajssms-2102	46	11	rating	rating	NOUN
ajssms-2102	46	12	agencies	agency	NOUN
ajssms-2102	46	13	have	have	AUX
ajssms-2102	46	14	adopted	adopt	VERB
ajssms-2102	46	15	and	and	CCONJ
ajssms-2102	46	16	integrated	integrate	VERB
ajssms-2102	46	17	enterprise	enterprise	NOUN
ajssms-2102	46	18	risk	risk	NOUN
ajssms-2102	46	19	management	management	NOUN
ajssms-2102	46	20	analysis	analysis	NOUN
ajssms-2102	46	21	into	into	ADP
ajssms-2102	46	22	their	their	PRON
ajssms-2102	46	23	credit	credit	NOUN
ajssms-2102	46	24	rating	rating	NOUN
ajssms-2102	46	25	processes	process	NOUN
ajssms-2102	46	26	,	,	PUNCT
ajssms-2102	46	27	regulatory	regulatory	ADJ
ajssms-2102	46	28	agencies	agency	NOUN
ajssms-2102	46	29	have	have	AUX
ajssms-2102	46	30	adopted	adopt	VERB
ajssms-2102	46	31	risk	risk	NOUN
ajssms-2102	46	32	based	base	VERB
ajssms-2102	46	33	regulations	regulation	NOUN
ajssms-2102	46	34	built	build	VERB
ajssms-2102	46	35	on	on	ADP
ajssms-2102	46	36	the	the	DET
ajssms-2102	46	37	principles	principle	NOUN
ajssms-2102	46	38	of	of	ADP
ajssms-2102	46	39	enterprise	enterprise	NOUN
ajssms-2102	46	40	risk	risk	NOUN
ajssms-2102	46	41	management	management	NOUN
ajssms-2102	46	42	with	with	ADP
ajssms-2102	46	43	specialized	specialized	ADJ
ajssms-2102	46	44	enterprise	enterprise	NOUN
ajssms-2102	46	45	risk	risk	NOUN
ajssms-2102	46	46	management	management	NOUN
ajssms-2102	46	47	units	unit	NOUN
ajssms-2102	46	48	created	create	VERB
ajssms-2102	46	49	by	by	ADP
ajssms-2102	46	50	numerous	numerous	ADJ
ajssms-2102	46	51	consulting	consulting	NOUN
ajssms-2102	46	52	firms	firm	NOUN
ajssms-2102	46	53	.	.	PUNCT
ajssms-2102	47	1	prior	prior	ADJ
ajssms-2102	47	2	studies	study	NOUN
ajssms-2102	47	3	pertaining	pertain	VERB
ajssms-2102	47	4	to	to	ADP
ajssms-2102	47	5	enterprise	enterprise	NOUN
ajssms-2102	47	6	risk	risk	NOUN
ajssms-2102	47	7	management	management	NOUN
ajssms-2102	47	8	and	and	CCONJ
ajssms-2102	47	9	sustainability	sustainability	NOUN
ajssms-2102	47	10	of	of	ADP
ajssms-2102	47	11	deposit	deposit	NOUN
ajssms-2102	47	12	money	money	NOUN
ajssms-2102	47	13	banks	bank	NOUN
ajssms-2102	47	14	in	in	ADP
ajssms-2102	47	15	nigeria	nigeria	PROPN
ajssms-2102	47	16	are	be	AUX
ajssms-2102	47	17	limited	limit	VERB
ajssms-2102	47	18	,	,	PUNCT
ajssms-2102	47	19	with	with	ADP
ajssms-2102	47	20	numerous	numerous	ADJ
ajssms-2102	47	21	research	research	NOUN
ajssms-2102	47	22	uncovering	uncover	VERB
ajssms-2102	47	23	enterprise	enterprise	NOUN
ajssms-2102	47	24	risk	risk	NOUN
ajssms-2102	47	25	management	management	NOUN
ajssms-2102	47	26	and	and	CCONJ
ajssms-2102	47	27	performance	performance	NOUN
ajssms-2102	47	28	of	of	ADP
ajssms-2102	47	29	banks	bank	NOUN
ajssms-2102	47	30	(	(	PUNCT
ajssms-2102	47	31	muteti	muteti	PROPN
ajssms-2102	47	32	,	,	PUNCT
ajssms-2102	47	33	2014	2014	NUM
ajssms-2102	47	34	;	;	PUNCT
ajssms-2102	47	35	nyagah	nyagah	PROPN
ajssms-2102	47	36	,	,	PUNCT
ajssms-2102	47	37	2014	2014	NUM
ajssms-2102	47	38	;	;	PUNCT
ajssms-2102	47	39	yegon	yegon	PROPN
ajssms-2102	47	40	,	,	PUNCT
ajssms-2102	47	41	2015	2015	NUM
ajssms-2102	47	42	)	)	PUNCT
ajssms-2102	47	43	.	.	PUNCT
ajssms-2102	48	1	however	however	ADV
ajssms-2102	48	2	,	,	PUNCT
ajssms-2102	48	3	none	none	NOUN
ajssms-2102	48	4	of	of	ADP
ajssms-2102	48	5	these	these	DET
ajssms-2102	48	6	studies	study	NOUN
ajssms-2102	48	7	examined	examine	VERB
ajssms-2102	48	8	enterprise	enterprise	NOUN
ajssms-2102	48	9	risk	risk	NOUN
ajssms-2102	48	10	management	management	NOUN
ajssms-2102	48	11	on	on	ADP
ajssms-2102	48	12	sustainability	sustainability	NOUN
ajssms-2102	48	13	and	and	CCONJ
ajssms-2102	48	14	survival	survival	NOUN
ajssms-2102	48	15	of	of	ADP
ajssms-2102	48	16	banks	bank	NOUN
ajssms-2102	48	17	in	in	ADP
ajssms-2102	48	18	nigeria	nigeria	PROPN
ajssms-2102	48	19	,	,	PUNCT
ajssms-2102	48	20	adopting	adopt	VERB
ajssms-2102	48	21	financial	financial	ADJ
ajssms-2102	48	22	sustainability	sustainability	NOUN
ajssms-2102	48	23	models	model	NOUN
ajssms-2102	48	24	developed	develop	VERB
ajssms-2102	48	25	by	by	ADP
ajssms-2102	48	26	león	león	NOUN
ajssms-2102	48	27	(	(	PUNCT
ajssms-2102	48	28	2001	2001	NUM
ajssms-2102	48	29	)	)	PUNCT
ajssms-2102	48	30	.	.	PUNCT
ajssms-2102	49	1	therefore	therefore	ADV
ajssms-2102	49	2	,	,	PUNCT
ajssms-2102	49	3	it	it	PRON
ajssms-2102	49	4	is	be	AUX
ajssms-2102	49	5	on	on	ADP
ajssms-2102	49	6	the	the	DET
ajssms-2102	49	7	premise	premise	NOUN
ajssms-2102	49	8	of	of	ADP
ajssms-2102	49	9	this	this	DET
ajssms-2102	49	10	gap	gap	NOUN
ajssms-2102	49	11	,	,	PUNCT
ajssms-2102	49	12	that	that	SCONJ
ajssms-2102	49	13	the	the	DET
ajssms-2102	49	14	present	present	ADJ
ajssms-2102	49	15	paper	paper	NOUN
ajssms-2102	49	16	seeks	seek	VERB
ajssms-2102	49	17	to	to	PART
ajssms-2102	49	18	assess	assess	VERB
ajssms-2102	49	19	enterprise	enterprise	NOUN
ajssms-2102	49	20	risk	risk	NOUN
ajssms-2102	49	21	management	management	NOUN
ajssms-2102	49	22	and	and	CCONJ
ajssms-2102	49	23	its	its	PRON
ajssms-2102	49	24	effects	effect	NOUN
ajssms-2102	49	25	on	on	ADP
ajssms-2102	49	26	sustainability	sustainability	NOUN
ajssms-2102	49	27	and	and	CCONJ
ajssms-2102	49	28	survival	survival	NOUN
ajssms-2102	49	29	of	of	ADP
ajssms-2102	49	30	deposit	deposit	NOUN
ajssms-2102	49	31	money	money	NOUN
ajssms-2102	49	32	banks	bank	NOUN
ajssms-2102	49	33	in	in	ADP
ajssms-2102	49	34	nigeria	nigeria	PROPN
ajssms-2102	49	35	adopting	adopt	VERB
ajssms-2102	49	36	model	model	NOUN
ajssms-2102	49	37	developed	develop	VERB
ajssms-2102	49	38	by	by	ADP
ajssms-2102	49	39	león	león	NOUN
ajssms-2102	49	40	(	(	PUNCT
ajssms-2102	49	41	2001	2001	NUM
ajssms-2102	49	42	)	)	PUNCT
ajssms-2102	49	43	as	as	ADP
ajssms-2102	49	44	indicators	indicator	NOUN
ajssms-2102	49	45	to	to	PART
ajssms-2102	49	46	bank	bank	VERB
ajssms-2102	49	47	sustainability	sustainability	NOUN
ajssms-2102	49	48	and	and	CCONJ
ajssms-2102	49	49	survival	survival	NOUN
ajssms-2102	49	50	.	.	PUNCT
ajssms-2102	50	1	the	the	DET
ajssms-2102	50	2	general	general	ADJ
ajssms-2102	50	3	objective	objective	NOUN
ajssms-2102	50	4	of	of	ADP
ajssms-2102	50	5	this	this	DET
ajssms-2102	50	6	study	study	NOUN
ajssms-2102	50	7	is	be	AUX
ajssms-2102	50	8	to	to	PART
ajssms-2102	50	9	assess	assess	VERB
ajssms-2102	50	10	empirically	empirically	ADV
ajssms-2102	50	11	the	the	DET
ajssms-2102	50	12	effect	effect	NOUN
ajssms-2102	50	13	of	of	ADP
ajssms-2102	50	14	enterprise	enterprise	NOUN
ajssms-2102	50	15	risk	risk	NOUN
ajssms-2102	50	16	management	management	NOUN
ajssms-2102	50	17	on	on	ADP
ajssms-2102	50	18	sustainability	sustainability	NOUN
ajssms-2102	50	19	and	and	CCONJ
ajssms-2102	50	20	survival	survival	NOUN
ajssms-2102	50	21	of	of	ADP
ajssms-2102	50	22	deposit	deposit	NOUN
ajssms-2102	50	23	money	money	NOUN
ajssms-2102	50	24	banks	bank	NOUN
ajssms-2102	50	25	in	in	ADP
ajssms-2102	50	26	nigeria	nigeria	PROPN
ajssms-2102	50	27	.	.	PUNCT
ajssms-2102	51	1	the	the	DET
ajssms-2102	51	2	scope	scope	NOUN
ajssms-2102	51	3	of	of	ADP
ajssms-2102	51	4	the	the	DET
ajssms-2102	51	5	study	study	NOUN
ajssms-2102	51	6	is	be	AUX
ajssms-2102	51	7	constrained	constrain	VERB
ajssms-2102	51	8	to	to	ADP
ajssms-2102	51	9	all	all	DET
ajssms-2102	51	10	the	the	DET
ajssms-2102	51	11	deposit	deposit	NOUN
ajssms-2102	51	12	money	money	NOUN
ajssms-2102	51	13	banks	bank	NOUN
ajssms-2102	51	14	in	in	ADP
ajssms-2102	51	15	existence	existence	NOUN
ajssms-2102	51	16	within	within	ADP
ajssms-2102	51	17	the	the	DET
ajssms-2102	51	18	period	period	NOUN
ajssms-2102	51	19	of	of	ADP
ajssms-2102	51	20	2014	2014	NUM
ajssms-2102	51	21	-	-	SYM
ajssms-2102	51	22	2019	2019	NUM
ajssms-2102	51	23	in	in	ADP
ajssms-2102	51	24	nigeria	nigeria	PROPN
ajssms-2102	51	25	.	.	PUNCT
ajssms-2102	52	1	specific	specific	ADJ
ajssms-2102	52	2	objectives	objective	NOUN
ajssms-2102	52	3	are	be	AUX
ajssms-2102	52	4	,	,	PUNCT
ajssms-2102	52	5	thus	thus	ADV
ajssms-2102	52	6	;	;	PUNCT
ajssms-2102	52	7	1	1	X
ajssms-2102	52	8	.	.	X
ajssms-2102	52	9	to	to	PART
ajssms-2102	52	10	determine	determine	VERB
ajssms-2102	52	11	the	the	DET
ajssms-2102	52	12	effect	effect	NOUN
ajssms-2102	52	13	of	of	ADP
ajssms-2102	52	14	enterprise	enterprise	NOUN
ajssms-2102	52	15	risk	risk	NOUN
ajssms-2102	52	16	management	management	NOUN
ajssms-2102	52	17	on	on	ADP
ajssms-2102	52	18	strategic	strategic	ADJ
ajssms-2102	52	19	and	and	CCONJ
ajssms-2102	52	20	financial	financial	ADJ
ajssms-2102	52	21	planning	planning	NOUN
ajssms-2102	52	22	of	of	ADP
ajssms-2102	52	23	deposit	deposit	NOUN
ajssms-2102	52	24	money	money	NOUN
ajssms-2102	52	25	banks	bank	NOUN
ajssms-2102	52	26	.	.	PUNCT
ajssms-2102	53	1	2	2	X
ajssms-2102	53	2	.	.	PUNCT
ajssms-2102	53	3	to	to	PART
ajssms-2102	53	4	investigate	investigate	VERB
ajssms-2102	53	5	the	the	DET
ajssms-2102	53	6	effect	effect	NOUN
ajssms-2102	53	7	of	of	ADP
ajssms-2102	53	8	enterprise	enterprise	NOUN
ajssms-2102	53	9	risk	risk	NOUN
ajssms-2102	53	10	management	management	NOUN
ajssms-2102	53	11	on	on	ADP
ajssms-2102	53	12	income	income	NOUN
ajssms-2102	53	13	diversification	diversification	NOUN
ajssms-2102	53	14	of	of	ADP
ajssms-2102	53	15	deposit	deposit	NOUN
ajssms-2102	53	16	money	money	NOUN
ajssms-2102	53	17	banks	bank	NOUN
ajssms-2102	53	18	.	.	PUNCT
ajssms-2102	54	1	3	3	X
ajssms-2102	54	2	.	.	PUNCT
ajssms-2102	54	3	to	to	PART
ajssms-2102	54	4	examine	examine	VERB
ajssms-2102	54	5	the	the	DET
ajssms-2102	54	6	effects	effect	NOUN
ajssms-2102	54	7	of	of	ADP
ajssms-2102	54	8	enterprise	enterprise	NOUN
ajssms-2102	54	9	risk	risk	NOUN
ajssms-2102	54	10	management	management	NOUN
ajssms-2102	54	11	on	on	ADP
ajssms-2102	54	12	sound	sound	ADJ
ajssms-2102	54	13	administration	administration	NOUN
ajssms-2102	54	14	and	and	CCONJ
ajssms-2102	54	15	finance	finance	NOUN
ajssms-2102	54	16	of	of	ADP
ajssms-2102	54	17	deposit	deposit	NOUN
ajssms-2102	54	18	money	money	NOUN
ajssms-2102	54	19	banks	bank	NOUN
ajssms-2102	54	20	.	.	PUNCT
ajssms-2102	55	1	the	the	DET
ajssms-2102	55	2	following	follow	VERB
ajssms-2102	55	3	sub	sub	NOUN
ajssms-2102	55	4	research	research	NOUN
ajssms-2102	55	5	questions	question	NOUN
ajssms-2102	55	6	are	be	AUX
ajssms-2102	55	7	intended	intend	VERB
ajssms-2102	55	8	to	to	PART
ajssms-2102	55	9	sharpen	sharpen	VERB
ajssms-2102	55	10	the	the	DET
ajssms-2102	55	11	focus	focus	NOUN
ajssms-2102	55	12	of	of	ADP
ajssms-2102	55	13	the	the	DET
ajssms-2102	55	14	problem	problem	NOUN
ajssms-2102	55	15	and	and	CCONJ
ajssms-2102	55	16	are	be	AUX
ajssms-2102	55	17	deduced	deduce	VERB
ajssms-2102	55	18	from	from	ADP
ajssms-2102	55	19	the	the	DET
ajssms-2102	55	20	above	above	ADJ
ajssms-2102	55	21	objectives	objective	NOUN
ajssms-2102	55	22	:	:	PUNCT
ajssms-2102	55	23	1	1	X
ajssms-2102	55	24	.	.	PUNCT
ajssms-2102	55	25	to	to	ADP
ajssms-2102	55	26	what	what	DET
ajssms-2102	55	27	extent	extent	NOUN
ajssms-2102	55	28	does	do	VERB
ajssms-2102	55	29	enterprise	enterprise	NOUN
ajssms-2102	55	30	risk	risk	NOUN
ajssms-2102	55	31	management	management	NOUN
ajssms-2102	55	32	influence	influence	NOUN
ajssms-2102	55	33	strategic	strategic	ADJ
ajssms-2102	55	34	and	and	CCONJ
ajssms-2102	55	35	financial	financial	ADJ
ajssms-2102	55	36	planning	planning	NOUN
ajssms-2102	55	37	of	of	ADP
ajssms-2102	55	38	deposit	deposit	NOUN
ajssms-2102	55	39	money	money	NOUN
ajssms-2102	55	40	banks	bank	NOUN
ajssms-2102	55	41	?	?	PUNCT
ajssms-2102	56	1	2	2	X
ajssms-2102	56	2	.	.	X
ajssms-2102	56	3	to	to	ADP
ajssms-2102	56	4	what	what	DET
ajssms-2102	56	5	extent	extent	NOUN
ajssms-2102	56	6	does	do	AUX
ajssms-2102	56	7	enterprise	enterprise	NOUN
ajssms-2102	56	8	risk	risk	NOUN
ajssms-2102	56	9	management	management	NOUN
ajssms-2102	56	10	affect	affect	VERB
ajssms-2102	56	11	income	income	NOUN
ajssms-2102	56	12	diversification	diversification	NOUN
ajssms-2102	56	13	of	of	ADP
ajssms-2102	56	14	deposit	deposit	NOUN
ajssms-2102	56	15	money	money	NOUN
ajssms-2102	56	16	banks	bank	NOUN
ajssms-2102	56	17	?	?	PUNCT
ajssms-2102	57	1	3	3	X
ajssms-2102	57	2	.	.	X
ajssms-2102	57	3	to	to	ADP
ajssms-2102	57	4	what	what	DET
ajssms-2102	57	5	extent	extent	NOUN
ajssms-2102	57	6	does	do	AUX
ajssms-2102	57	7	enterprise	enterprise	NOUN
ajssms-2102	57	8	risk	risk	NOUN
ajssms-2102	57	9	management	management	NOUN
ajssms-2102	57	10	affect	affect	VERB
ajssms-2102	57	11	sound	sound	NOUN
ajssms-2102	57	12	administration	administration	NOUN
ajssms-2102	57	13	and	and	CCONJ
ajssms-2102	57	14	finance	finance	NOUN
ajssms-2102	57	15	of	of	ADP
ajssms-2102	57	16	deposit	deposit	NOUN
ajssms-2102	57	17	money	money	NOUN
ajssms-2102	57	18	banks	bank	NOUN
ajssms-2102	57	19	?	?	PUNCT
ajssms-2102	58	1	taking	take	VERB
ajssms-2102	58	2	cognizance	cognizance	NOUN
ajssms-2102	58	3	of	of	ADP
ajssms-2102	58	4	the	the	DET
ajssms-2102	58	5	research	research	NOUN
ajssms-2102	58	6	objective	objective	NOUN
ajssms-2102	58	7	together	together	ADV
ajssms-2102	58	8	with	with	ADP
ajssms-2102	58	9	the	the	DET
ajssms-2102	58	10	research	research	NOUN
ajssms-2102	58	11	question	question	NOUN
ajssms-2102	58	12	,	,	PUNCT
ajssms-2102	58	13	the	the	DET
ajssms-2102	58	14	following	follow	VERB
ajssms-2102	58	15	hypothesis	hypothesis	NOUN
ajssms-2102	58	16	will	will	AUX
ajssms-2102	58	17	be	be	AUX
ajssms-2102	58	18	tested	test	VERB
ajssms-2102	58	19	for	for	ADP
ajssms-2102	58	20	the	the	DET
ajssms-2102	58	21	study	study	NOUN
ajssms-2102	58	22	;	;	PUNCT
ajssms-2102	58	23	h01	h01	NOUN
ajssms-2102	58	24	:	:	PUNCT
ajssms-2102	58	25	enterprise	enterprise	NOUN
ajssms-2102	58	26	risk	risk	NOUN
ajssms-2102	58	27	management	management	NOUN
ajssms-2102	58	28	has	have	VERB
ajssms-2102	58	29	no	no	DET
ajssms-2102	58	30	significant	significant	ADJ
ajssms-2102	58	31	effect	effect	NOUN
ajssms-2102	58	32	on	on	ADP
ajssms-2102	58	33	strategic	strategic	ADJ
ajssms-2102	58	34	and	and	CCONJ
ajssms-2102	58	35	financial	financial	ADJ
ajssms-2102	58	36	planning	planning	NOUN
ajssms-2102	58	37	of	of	ADP
ajssms-2102	58	38	deposit	deposit	NOUN
ajssms-2102	58	39	money	money	NOUN
ajssms-2102	58	40	banks	bank	NOUN
ajssms-2102	58	41	.	.	PUNCT
ajssms-2102	59	1	asian	asian	ADJ
ajssms-2102	59	2	journal	journal	PROPN
ajssms-2102	59	3	of	of	ADP
ajssms-2102	59	4	social	social	ADJ
ajssms-2102	59	5	sciences	sciences	PROPN
ajssms-2102	59	6	and	and	CCONJ
ajssms-2102	59	7	management	management	NOUN
ajssms-2102	59	8	studies	study	NOUN
ajssms-2102	59	9	,	,	PUNCT
ajssms-2102	59	10	2020	2020	NUM
ajssms-2102	59	11	,	,	PUNCT
ajssms-2102	59	12	7(3	7(3	NUM
ajssms-2102	59	13	):	):	PUNCT
ajssms-2102	59	14	250	250	NUM
ajssms-2102	59	15	-	-	SYM
ajssms-2102	59	16	257	257	NUM
ajssms-2102	59	17	252	252	NUM
ajssms-2102	59	18	©	©	PROPN
ajssms-2102	59	19	2020	2020	NUM
ajssms-2102	59	20	by	by	ADP
ajssms-2102	59	21	the	the	DET
ajssms-2102	59	22	authors	author	NOUN
ajssms-2102	59	23	;	;	PUNCT
ajssms-2102	59	24	licensee	licensee	PROPN
ajssms-2102	59	25	asian	asian	ADJ
ajssms-2102	59	26	online	online	PROPN
ajssms-2102	59	27	journal	journal	PROPN
ajssms-2102	59	28	publishing	publishing	PROPN
ajssms-2102	59	29	group	group	PROPN
ajssms-2102	59	30	h01	h01	NOUN
ajssms-2102	59	31	:	:	PUNCT
ajssms-2102	59	32	enterprise	enterprise	NOUN
ajssms-2102	59	33	risk	risk	NOUN
ajssms-2102	59	34	management	management	NOUN
ajssms-2102	59	35	has	have	VERB
ajssms-2102	59	36	no	no	DET
ajssms-2102	59	37	significant	significant	ADJ
ajssms-2102	59	38	effect	effect	NOUN
ajssms-2102	59	39	on	on	ADP
ajssms-2102	59	40	income	income	NOUN
ajssms-2102	59	41	diversification	diversification	NOUN
ajssms-2102	59	42	of	of	ADP
ajssms-2102	59	43	deposit	deposit	NOUN
ajssms-2102	59	44	money	money	NOUN
ajssms-2102	59	45	banks	bank	NOUN
ajssms-2102	59	46	.	.	PUNCT
ajssms-2102	60	1	h01	h01	NOUN
ajssms-2102	60	2	:	:	PUNCT
ajssms-2102	60	3	enterprise	enterprise	NOUN
ajssms-2102	60	4	risk	risk	NOUN
ajssms-2102	60	5	management	management	NOUN
ajssms-2102	60	6	has	have	VERB
ajssms-2102	60	7	no	no	DET
ajssms-2102	60	8	significant	significant	ADJ
ajssms-2102	60	9	effect	effect	NOUN
ajssms-2102	60	10	on	on	ADP
ajssms-2102	60	11	sound	sound	ADJ
ajssms-2102	60	12	administration	administration	NOUN
ajssms-2102	60	13	and	and	CCONJ
ajssms-2102	60	14	finance	finance	NOUN
ajssms-2102	60	15	of	of	ADP
ajssms-2102	60	16	deposit	deposit	NOUN
ajssms-2102	60	17	money	money	NOUN
ajssms-2102	60	18	banks	bank	NOUN
ajssms-2102	60	19	.	.	PUNCT
ajssms-2102	61	1	2	2	X
ajssms-2102	61	2	.	.	X
ajssms-2102	61	3	literature	literature	NOUN
ajssms-2102	61	4	review	review	VERB
ajssms-2102	61	5	2.1	2.1	NUM
ajssms-2102	61	6	.	.	PUNCT
ajssms-2102	62	1	conceptual	conceptual	ADJ
ajssms-2102	62	2	framework	framework	NOUN
ajssms-2102	62	3	the	the	DET
ajssms-2102	62	4	concept	concept	NOUN
ajssms-2102	62	5	of	of	ADP
ajssms-2102	62	6	risk	risk	NOUN
ajssms-2102	62	7	can	can	AUX
ajssms-2102	62	8	be	be	AUX
ajssms-2102	62	9	said	say	VERB
ajssms-2102	62	10	to	to	ADP
ajssms-2102	62	11	as	as	ADP
ajssms-2102	62	12	the	the	DET
ajssms-2102	62	13	possibility	possibility	NOUN
ajssms-2102	62	14	of	of	ADP
ajssms-2102	62	15	loss	loss	NOUN
ajssms-2102	62	16	or	or	CCONJ
ajssms-2102	62	17	exposure	exposure	NOUN
ajssms-2102	62	18	to	to	ADP
ajssms-2102	62	19	loss	loss	NOUN
ajssms-2102	62	20	,	,	PUNCT
ajssms-2102	62	21	a	a	DET
ajssms-2102	62	22	hazard	hazard	NOUN
ajssms-2102	62	23	and	and	CCONJ
ajssms-2102	62	24	uncertainty	uncertainty	NOUN
ajssms-2102	62	25	.	.	PUNCT
ajssms-2102	63	1	holistic	holistic	ADJ
ajssms-2102	63	2	risk	risk	NOUN
ajssms-2102	63	3	management	management	NOUN
ajssms-2102	63	4	can	can	AUX
ajssms-2102	63	5	be	be	AUX
ajssms-2102	63	6	viewed	view	VERB
ajssms-2102	63	7	as	as	ADP
ajssms-2102	63	8	a	a	DET
ajssms-2102	63	9	paradigm	paradigm	NOUN
ajssms-2102	63	10	shift	shift	NOUN
ajssms-2102	63	11	,	,	PUNCT
ajssms-2102	63	12	in	in	ADP
ajssms-2102	63	13	which	which	PRON
ajssms-2102	63	14	senior	senior	ADJ
ajssms-2102	63	15	executives	executive	NOUN
ajssms-2102	63	16	and	and	CCONJ
ajssms-2102	63	17	management	management	NOUN
ajssms-2102	63	18	realign	realign	VERB
ajssms-2102	63	19	organizational	organizational	ADJ
ajssms-2102	63	20	risk	risk	NOUN
ajssms-2102	63	21	management	management	NOUN
ajssms-2102	63	22	(	(	PUNCT
ajssms-2102	63	23	gordon	gordon	PROPN
ajssms-2102	63	24	et	et	PROPN
ajssms-2102	63	25	al	al	PROPN
ajssms-2102	63	26	.	.	PROPN
ajssms-2102	63	27	,	,	PUNCT
ajssms-2102	63	28	2009	2009	NUM
ajssms-2102	63	29	)	)	PUNCT
ajssms-2102	63	30	.	.	PUNCT
ajssms-2102	64	1	rochette	rochette	NOUN
ajssms-2102	64	2	(	(	PUNCT
ajssms-2102	64	3	2009	2009	NUM
ajssms-2102	64	4	)	)	PUNCT
ajssms-2102	64	5	maintained	maintain	VERB
ajssms-2102	64	6	that	that	SCONJ
ajssms-2102	64	7	due	due	ADP
ajssms-2102	64	8	to	to	ADP
ajssms-2102	64	9	the	the	DET
ajssms-2102	64	10	changing	change	VERB
ajssms-2102	64	11	risk	risk	NOUN
ajssms-2102	64	12	environment	environment	NOUN
ajssms-2102	64	13	,	,	PUNCT
ajssms-2102	64	14	any	any	DET
ajssms-2102	64	15	strategic	strategic	ADJ
ajssms-2102	64	16	risk	risk	NOUN
ajssms-2102	64	17	management	management	NOUN
ajssms-2102	64	18	approach	approach	NOUN
ajssms-2102	64	19	must	must	AUX
ajssms-2102	64	20	cover	cover	VERB
ajssms-2102	64	21	a	a	DET
ajssms-2102	64	22	range	range	NOUN
ajssms-2102	64	23	of	of	ADP
ajssms-2102	64	24	projects	project	NOUN
ajssms-2102	64	25	,	,	PUNCT
ajssms-2102	64	26	processes	process	NOUN
ajssms-2102	64	27	,	,	PUNCT
ajssms-2102	64	28	products	product	NOUN
ajssms-2102	64	29	,	,	PUNCT
ajssms-2102	64	30	and	and	CCONJ
ajssms-2102	64	31	services	service	NOUN
ajssms-2102	64	32	.	.	PUNCT
ajssms-2102	65	1	risk	risk	NOUN
ajssms-2102	65	2	management	management	NOUN
ajssms-2102	65	3	helps	help	VERB
ajssms-2102	65	4	make	make	VERB
ajssms-2102	65	5	the	the	DET
ajssms-2102	65	6	presence	presence	NOUN
ajssms-2102	65	7	of	of	ADP
ajssms-2102	65	8	risk	risk	NOUN
ajssms-2102	65	9	in	in	ADP
ajssms-2102	65	10	a	a	DET
ajssms-2102	65	11	firm	firm	NOUN
ajssms-2102	65	12	’s	’s	PART
ajssms-2102	65	13	environment	environment	NOUN
ajssms-2102	65	14	much	much	ADV
ajssms-2102	65	15	clearer	clear	ADJ
ajssms-2102	65	16	and	and	CCONJ
ajssms-2102	65	17	more	more	ADV
ajssms-2102	65	18	apparent	apparent	ADJ
ajssms-2102	65	19	,	,	PUNCT
ajssms-2102	65	20	and	and	CCONJ
ajssms-2102	65	21	management	management	NOUN
ajssms-2102	65	22	decides	decide	VERB
ajssms-2102	65	23	on	on	ADP
ajssms-2102	65	24	the	the	DET
ajssms-2102	65	25	course	course	NOUN
ajssms-2102	65	26	of	of	ADP
ajssms-2102	65	27	action	action	NOUN
ajssms-2102	65	28	based	base	VERB
ajssms-2102	65	29	on	on	ADP
ajssms-2102	65	30	the	the	DET
ajssms-2102	65	31	acceptability	acceptability	NOUN
ajssms-2102	65	32	of	of	ADP
ajssms-2102	65	33	each	each	DET
ajssms-2102	65	34	risk	risk	NOUN
ajssms-2102	65	35	(	(	PUNCT
ajssms-2102	65	36	dia	dia	PROPN
ajssms-2102	65	37	&	&	CCONJ
ajssms-2102	65	38	zéghal	zéghal	PROPN
ajssms-2102	65	39	,	,	PUNCT
ajssms-2102	65	40	2008	2008	NUM
ajssms-2102	65	41	;	;	PUNCT
ajssms-2102	66	1	mcshane	mcshane	NOUN
ajssms-2102	66	2	,	,	PUNCT
ajssms-2102	66	3	nair	nair	PROPN
ajssms-2102	66	4	,	,	PUNCT
ajssms-2102	66	5	&	&	CCONJ
ajssms-2102	66	6	rustambekov	rustambekov	PROPN
ajssms-2102	66	7	,	,	PUNCT
ajssms-2102	66	8	2011	2011	NUM
ajssms-2102	66	9	;	;	PUNCT
ajssms-2102	66	10	razali	razali	PROPN
ajssms-2102	66	11	&	&	CCONJ
ajssms-2102	66	12	tahir	tahir	PROPN
ajssms-2102	66	13	,	,	PUNCT
ajssms-2102	66	14	2011).according	2011).accorde	VERB
ajssms-2102	66	15	to	to	PART
ajssms-2102	66	16	brown	brown	PROPN
ajssms-2102	66	17	,	,	PUNCT
ajssms-2102	66	18	steen	steen	PROPN
ajssms-2102	66	19	,	,	PUNCT
ajssms-2102	66	20	and	and	CCONJ
ajssms-2102	66	21	foreman	foreman	NOUN
ajssms-2102	66	22	(	(	PUNCT
ajssms-2102	66	23	2009	2009	NUM
ajssms-2102	66	24	)	)	PUNCT
ajssms-2102	66	25	erm	erm	PROPN
ajssms-2102	66	26	is	be	AUX
ajssms-2102	66	27	the	the	DET
ajssms-2102	66	28	method	method	NOUN
ajssms-2102	66	29	and	and	CCONJ
ajssms-2102	66	30	the	the	DET
ajssms-2102	66	31	process	process	NOUN
ajssms-2102	66	32	organizations	organization	NOUN
ajssms-2102	66	33	use	use	VERB
ajssms-2102	66	34	to	to	ADP
ajssms-2102	66	35	management	management	NOUN
ajssms-2102	66	36	risk	risk	NOUN
ajssms-2102	66	37	,	,	PUNCT
ajssms-2102	66	38	seize	seize	VERB
ajssms-2102	66	39	opportunities	opportunity	NOUN
ajssms-2102	66	40	,	,	PUNCT
ajssms-2102	66	41	and	and	CCONJ
ajssms-2102	66	42	achieve	achieve	VERB
ajssms-2102	66	43	objectives	objective	NOUN
ajssms-2102	66	44	.	.	PUNCT
ajssms-2102	67	1	de	de	X
ajssms-2102	67	2	loach	loach	NOUN
ajssms-2102	67	3	(	(	PUNCT
ajssms-2102	67	4	2000	2000	NUM
ajssms-2102	67	5	)	)	PUNCT
ajssms-2102	67	6	also	also	ADV
ajssms-2102	67	7	defined	define	VERB
ajssms-2102	67	8	it	it	PRON
ajssms-2102	67	9	as	as	ADP
ajssms-2102	67	10	a	a	DET
ajssms-2102	67	11	disciplined	disciplined	ADJ
ajssms-2102	67	12	approach	approach	NOUN
ajssms-2102	67	13	to	to	PART
ajssms-2102	67	14	align	align	VERB
ajssms-2102	67	15	strategy	strategy	NOUN
ajssms-2102	67	16	,	,	PUNCT
ajssms-2102	67	17	processes	process	NOUN
ajssms-2102	67	18	,	,	PUNCT
ajssms-2102	67	19	people	people	NOUN
ajssms-2102	67	20	,	,	PUNCT
ajssms-2102	67	21	technology	technology	NOUN
ajssms-2102	67	22	,	,	PUNCT
ajssms-2102	67	23	and	and	CCONJ
ajssms-2102	67	24	knowledge	knowledge	NOUN
ajssms-2102	67	25	,	,	PUNCT
ajssms-2102	67	26	with	with	SCONJ
ajssms-2102	67	27	the	the	DET
ajssms-2102	67	28	purpose	purpose	NOUN
ajssms-2102	67	29	of	of	ADP
ajssms-2102	67	30	evaluating	evaluate	VERB
ajssms-2102	67	31	and	and	CCONJ
ajssms-2102	67	32	managing	manage	VERB
ajssms-2102	67	33	uncertainty	uncertainty	NOUN
ajssms-2102	67	34	to	to	PART
ajssms-2102	67	35	create	create	VERB
ajssms-2102	67	36	value	value	NOUN
ajssms-2102	67	37	.	.	PUNCT
ajssms-2102	68	1	in	in	ADP
ajssms-2102	68	2	the	the	DET
ajssms-2102	68	3	same	same	ADJ
ajssms-2102	68	4	vein	vein	NOUN
ajssms-2102	68	5	,	,	PUNCT
ajssms-2102	68	6	gordon	gordon	PROPN
ajssms-2102	68	7	et	et	PROPN
ajssms-2102	68	8	al	al	PROPN
ajssms-2102	68	9	.	.	PROPN
ajssms-2102	69	1	(	(	PUNCT
ajssms-2102	69	2	2009	2009	NUM
ajssms-2102	69	3	)	)	PUNCT
ajssms-2102	69	4	define	define	VERB
ajssms-2102	69	5	erm	erm	PROPN
ajssms-2102	69	6	as	as	ADP
ajssms-2102	69	7	the	the	DET
ajssms-2102	69	8	overall	overall	ADJ
ajssms-2102	69	9	process	process	NOUN
ajssms-2102	69	10	of	of	ADP
ajssms-2102	69	11	managing	manage	VERB
ajssms-2102	69	12	an	an	DET
ajssms-2102	69	13	organization	organization	NOUN
ajssms-2102	69	14	’s	’s	PART
ajssms-2102	69	15	exposure	exposure	NOUN
ajssms-2102	69	16	to	to	ADP
ajssms-2102	69	17	uncertainty	uncertainty	NOUN
ajssms-2102	69	18	with	with	ADP
ajssms-2102	69	19	particular	particular	ADJ
ajssms-2102	69	20	emphasis	emphasis	NOUN
ajssms-2102	69	21	on	on	ADP
ajssms-2102	69	22	identifying	identify	VERB
ajssms-2102	69	23	and	and	CCONJ
ajssms-2102	69	24	managing	manage	VERB
ajssms-2102	69	25	the	the	DET
ajssms-2102	69	26	events	event	NOUN
ajssms-2102	69	27	that	that	PRON
ajssms-2102	69	28	could	could	AUX
ajssms-2102	69	29	potentially	potentially	ADV
ajssms-2102	69	30	prevent	prevent	VERB
ajssms-2102	69	31	the	the	DET
ajssms-2102	69	32	organization	organization	NOUN
ajssms-2102	69	33	from	from	ADP
ajssms-2102	69	34	achieving	achieve	VERB
ajssms-2102	69	35	its	its	PRON
ajssms-2102	69	36	objective	objective	NOUN
ajssms-2102	69	37	.	.	PUNCT
ajssms-2102	70	1	in	in	ADP
ajssms-2102	70	2	this	this	DET
ajssms-2102	70	3	study	study	NOUN
ajssms-2102	70	4	,	,	PUNCT
ajssms-2102	70	5	gordon	gordon	PROPN
ajssms-2102	70	6	et	et	PROPN
ajssms-2102	70	7	al	al	PROPN
ajssms-2102	70	8	.	.	PROPN
ajssms-2102	71	1	(	(	PUNCT
ajssms-2102	71	2	2009	2009	NUM
ajssms-2102	71	3	)	)	PUNCT
ajssms-2102	71	4	definition	definition	NOUN
ajssms-2102	71	5	will	will	AUX
ajssms-2102	71	6	be	be	AUX
ajssms-2102	71	7	adopted	adopt	VERB
ajssms-2102	71	8	.	.	PUNCT
ajssms-2102	72	1	historically	historically	ADV
ajssms-2102	72	2	,	,	PUNCT
ajssms-2102	72	3	risk	risk	NOUN
ajssms-2102	72	4	management	management	NOUN
ajssms-2102	72	5	attempts	attempt	VERB
ajssms-2102	72	6	to	to	PART
ajssms-2102	72	7	minimize	minimize	VERB
ajssms-2102	72	8	the	the	DET
ajssms-2102	72	9	cost	cost	NOUN
ajssms-2102	72	10	of	of	ADP
ajssms-2102	72	11	risk	risk	NOUN
ajssms-2102	72	12	through	through	ADP
ajssms-2102	72	13	transfer	transfer	NOUN
ajssms-2102	72	14	,	,	PUNCT
ajssms-2102	72	15	reduction	reduction	NOUN
ajssms-2102	72	16	,	,	PUNCT
ajssms-2102	72	17	retention	retention	NOUN
ajssms-2102	72	18	or	or	CCONJ
ajssms-2102	72	19	avoidance	avoidance	NOUN
ajssms-2102	72	20	of	of	ADP
ajssms-2102	72	21	a	a	DET
ajssms-2102	72	22	risk	risk	NOUN
ajssms-2102	72	23	exposure	exposure	NOUN
ajssms-2102	72	24	while	while	SCONJ
ajssms-2102	72	25	an	an	DET
ajssms-2102	72	26	erm	erm	PROPN
ajssms-2102	72	27	program	program	NOUN
ajssms-2102	72	28	attempts	attempt	VERB
ajssms-2102	72	29	to	to	PART
ajssms-2102	72	30	optimize	optimize	VERB
ajssms-2102	72	31	firm	firm	ADJ
ajssms-2102	72	32	risk	risk	NOUN
ajssms-2102	72	33	in	in	ADP
ajssms-2102	72	34	order	order	NOUN
ajssms-2102	72	35	to	to	PART
ajssms-2102	72	36	maximize	maximize	VERB
ajssms-2102	72	37	value	value	NOUN
ajssms-2102	72	38	.	.	PUNCT
ajssms-2102	73	1	erm	erm	PROPN
ajssms-2102	73	2	is	be	AUX
ajssms-2102	73	3	hypothesized	hypothesize	VERB
ajssms-2102	73	4	to	to	PART
ajssms-2102	73	5	add	add	VERB
ajssms-2102	73	6	value	value	NOUN
ajssms-2102	73	7	by	by	ADP
ajssms-2102	73	8	enabling	enable	VERB
ajssms-2102	73	9	risk	risk	NOUN
ajssms-2102	73	10	quantification	quantification	NOUN
ajssms-2102	73	11	and	and	CCONJ
ajssms-2102	73	12	optimization	optimization	NOUN
ajssms-2102	73	13	and	and	CCONJ
ajssms-2102	73	14	increasing	increase	VERB
ajssms-2102	73	15	efficiency	efficiency	NOUN
ajssms-2102	73	16	(	(	PUNCT
ajssms-2102	73	17	nocco	nocco	PROPN
ajssms-2102	73	18	&	&	CCONJ
ajssms-2102	73	19	stulz	stulz	ADJ
ajssms-2102	73	20	,	,	PUNCT
ajssms-2102	73	21	2006	2006	NUM
ajssms-2102	73	22	)	)	PUNCT
ajssms-2102	73	23	.	.	PUNCT
ajssms-2102	74	1	2.2	2.2	NUM
ajssms-2102	74	2	.	.	PUNCT
ajssms-2102	74	3	sustainability	sustainability	NOUN
ajssms-2102	74	4	and	and	CCONJ
ajssms-2102	74	5	survival	survival	NOUN
ajssms-2102	74	6	of	of	ADP
ajssms-2102	74	7	banks	bank	NOUN
ajssms-2102	74	8	in	in	ADP
ajssms-2102	74	9	nigeria	nigeria	PROPN
ajssms-2102	74	10	sustainability	sustainability	NOUN
ajssms-2102	74	11	should	should	AUX
ajssms-2102	74	12	be	be	AUX
ajssms-2102	74	13	considered	consider	VERB
ajssms-2102	74	14	not	not	PART
ajssms-2102	74	15	only	only	ADV
ajssms-2102	74	16	as	as	ADP
ajssms-2102	74	17	an	an	DET
ajssms-2102	74	18	emerging	emerge	VERB
ajssms-2102	74	19	area	area	NOUN
ajssms-2102	74	20	of	of	ADP
ajssms-2102	74	21	risk	risk	NOUN
ajssms-2102	74	22	,	,	PUNCT
ajssms-2102	74	23	but	but	CCONJ
ajssms-2102	74	24	also	also	ADV
ajssms-2102	74	25	as	as	ADP
ajssms-2102	74	26	an	an	DET
ajssms-2102	74	27	agenda	agenda	NOUN
ajssms-2102	74	28	of	of	ADP
ajssms-2102	74	29	the	the	DET
ajssms-2102	74	30	firm	firm	NOUN
ajssms-2102	74	31	’s	’s	PART
ajssms-2102	74	32	strategic	strategic	ADJ
ajssms-2102	74	33	management	management	NOUN
ajssms-2102	74	34	(	(	PUNCT
ajssms-2102	74	35	narumon	narumon	NOUN
ajssms-2102	74	36	,	,	PUNCT
ajssms-2102	74	37	2013	2013	NUM
ajssms-2102	74	38	)	)	PUNCT
ajssms-2102	74	39	.	.	PUNCT
ajssms-2102	75	1	according	accord	VERB
ajssms-2102	75	2	to	to	ADP
ajssms-2102	75	3	the	the	DET
ajssms-2102	75	4	african	african	PROPN
ajssms-2102	75	5	institute	institute	PROPN
ajssms-2102	75	6	of	of	ADP
ajssms-2102	75	7	corporate	corporate	ADJ
ajssms-2102	75	8	citizenship	citizenship	NOUN
ajssms-2102	75	9	(	(	PUNCT
ajssms-2102	75	10	2004	2004	NUM
ajssms-2102	75	11	)	)	PUNCT
ajssms-2102	75	12	,	,	PUNCT
ajssms-2102	75	13	“	"	PUNCT
ajssms-2102	75	14	sustainability	sustainability	NOUN
ajssms-2102	75	15	is	be	AUX
ajssms-2102	75	16	about	about	ADP
ajssms-2102	75	17	ensuring	ensure	VERB
ajssms-2102	75	18	long	long	ADJ
ajssms-2102	75	19	term	term	NOUN
ajssms-2102	75	20	business	business	NOUN
ajssms-2102	75	21	success	success	NOUN
ajssms-2102	75	22	,	,	PUNCT
ajssms-2102	75	23	while	while	SCONJ
ajssms-2102	75	24	contributing	contribute	VERB
ajssms-2102	75	25	to	to	ADP
ajssms-2102	75	26	society	society	NOUN
ajssms-2102	75	27	’s	’s	PART
ajssms-2102	75	28	present	present	ADJ
ajssms-2102	75	29	and	and	CCONJ
ajssms-2102	75	30	future	future	ADJ
ajssms-2102	75	31	social	social	ADJ
ajssms-2102	75	32	,	,	PUNCT
ajssms-2102	75	33	environmental	environmental	ADJ
ajssms-2102	75	34	and	and	CCONJ
ajssms-2102	75	35	economic	economic	ADJ
ajssms-2102	75	36	needs	need	NOUN
ajssms-2102	75	37	.	.	PUNCT
ajssms-2102	76	1	in	in	ADP
ajssms-2102	76	2	line	line	NOUN
ajssms-2102	76	3	with	with	ADP
ajssms-2102	76	4	this	this	PRON
ajssms-2102	76	5	,	,	PUNCT
ajssms-2102	76	6	bouma	bouma	PROPN
ajssms-2102	76	7	,	,	PUNCT
ajssms-2102	76	8	jeucken	jeucken	PROPN
ajssms-2102	76	9	,	,	PUNCT
ajssms-2102	76	10	and	and	CCONJ
ajssms-2102	76	11	kilkers	kilker	NOUN
ajssms-2102	76	12	(	(	PUNCT
ajssms-2102	76	13	2001	2001	NUM
ajssms-2102	76	14	)	)	PUNCT
ajssms-2102	76	15	viewed	view	VERB
ajssms-2102	76	16	sustainable	sustainable	ADJ
ajssms-2102	76	17	banking	banking	NOUN
ajssms-2102	76	18	as	as	ADP
ajssms-2102	76	19	a	a	DET
ajssms-2102	76	20	decision	decision	NOUN
ajssms-2102	76	21	by	by	ADP
ajssms-2102	76	22	banks	bank	NOUN
ajssms-2102	76	23	to	to	PART
ajssms-2102	76	24	provide	provide	VERB
ajssms-2102	76	25	products	product	NOUN
ajssms-2102	76	26	and	and	CCONJ
ajssms-2102	76	27	services	service	NOUN
ajssms-2102	76	28	only	only	ADV
ajssms-2102	76	29	to	to	ADP
ajssms-2102	76	30	customers	customer	NOUN
ajssms-2102	76	31	who	who	PRON
ajssms-2102	76	32	take	take	VERB
ajssms-2102	76	33	into	into	ADP
ajssms-2102	76	34	consideration	consideration	NOUN
ajssms-2102	76	35	the	the	DET
ajssms-2102	76	36	environmental	environmental	ADJ
ajssms-2102	76	37	and	and	CCONJ
ajssms-2102	76	38	social	social	ADJ
ajssms-2102	76	39	impacts	impact	NOUN
ajssms-2102	76	40	of	of	ADP
ajssms-2102	76	41	their	their	PRON
ajssms-2102	76	42	activities	activity	NOUN
ajssms-2102	76	43	.	.	PUNCT
ajssms-2102	77	1	sustainability	sustainability	NOUN
ajssms-2102	77	2	and	and	CCONJ
ajssms-2102	77	3	of	of	ADP
ajssms-2102	77	4	survival	survival	NOUN
ajssms-2102	77	5	of	of	ADP
ajssms-2102	77	6	an	an	DET
ajssms-2102	77	7	organization	organization	NOUN
ajssms-2102	77	8	is	be	AUX
ajssms-2102	77	9	viewed	view	VERB
ajssms-2102	77	10	from	from	ADP
ajssms-2102	77	11	the	the	DET
ajssms-2102	77	12	standpoint	standpoint	NOUN
ajssms-2102	77	13	of	of	ADP
ajssms-2102	77	14	its	its	PRON
ajssms-2102	77	15	operations	operation	NOUN
ajssms-2102	77	16	by	by	ADP
ajssms-2102	77	17	considering	consider	VERB
ajssms-2102	77	18	the	the	DET
ajssms-2102	77	19	profit	profit	NOUN
ajssms-2102	77	20	generated	generate	VERB
ajssms-2102	77	21	by	by	ADP
ajssms-2102	77	22	its	its	PRON
ajssms-2102	77	23	resources	resource	NOUN
ajssms-2102	77	24	.	.	PUNCT
ajssms-2102	78	1	the	the	DET
ajssms-2102	78	2	rationale	rationale	NOUN
ajssms-2102	78	3	behind	behind	ADP
ajssms-2102	78	4	the	the	DET
ajssms-2102	78	5	adaptation	adaptation	NOUN
ajssms-2102	78	6	of	of	ADP
ajssms-2102	78	7	sustainability	sustainability	NOUN
ajssms-2102	78	8	and	and	CCONJ
ajssms-2102	78	9	survival	survival	NOUN
ajssms-2102	78	10	from	from	ADP
ajssms-2102	78	11	operations	operation	NOUN
ajssms-2102	78	12	is	be	AUX
ajssms-2102	78	13	that	that	SCONJ
ajssms-2102	78	14	this	this	DET
ajssms-2102	78	15	performance	performance	NOUN
ajssms-2102	78	16	is	be	AUX
ajssms-2102	78	17	within	within	ADP
ajssms-2102	78	18	the	the	DET
ajssms-2102	78	19	reach	reach	NOUN
ajssms-2102	78	20	of	of	ADP
ajssms-2102	78	21	managers	manager	NOUN
ajssms-2102	78	22	to	to	PART
ajssms-2102	78	23	control	control	VERB
ajssms-2102	78	24	.	.	PUNCT
ajssms-2102	79	1	león	león	PROPN
ajssms-2102	79	2	(	(	PUNCT
ajssms-2102	79	3	2001	2001	NUM
ajssms-2102	79	4	)	)	PUNCT
ajssms-2102	79	5	enumerated	enumerate	VERB
ajssms-2102	79	6	3	3	NUM
ajssms-2102	79	7	sustainability	sustainability	NOUN
ajssms-2102	79	8	and	and	CCONJ
ajssms-2102	79	9	survival	survival	NOUN
ajssms-2102	79	10	pillars	pillar	NOUN
ajssms-2102	79	11	adopted	adopt	VERB
ajssms-2102	79	12	by	by	ADP
ajssms-2102	79	13	banks	bank	NOUN
ajssms-2102	79	14	worldwide	worldwide	ADV
ajssms-2102	79	15	;	;	PUNCT
ajssms-2102	79	16	strategic	strategic	ADJ
ajssms-2102	79	17	and	and	CCONJ
ajssms-2102	79	18	financial	financial	ADJ
ajssms-2102	79	19	planning	planning	NOUN
ajssms-2102	79	20	,	,	PUNCT
ajssms-2102	79	21	income	income	NOUN
ajssms-2102	79	22	diversification	diversification	NOUN
ajssms-2102	79	23	and	and	CCONJ
ajssms-2102	79	24	sound	sound	NOUN
ajssms-2102	79	25	administration	administration	NOUN
ajssms-2102	79	26	and	and	CCONJ
ajssms-2102	79	27	finance	finance	NOUN
ajssms-2102	79	28	.	.	PUNCT
ajssms-2102	80	1	therefore	therefore	ADV
ajssms-2102	80	2	as	as	SCONJ
ajssms-2102	80	3	organizations	organization	NOUN
ajssms-2102	80	4	grow	grow	VERB
ajssms-2102	80	5	in	in	ADP
ajssms-2102	80	6	an	an	DET
ajssms-2102	80	7	emerging	emerge	VERB
ajssms-2102	80	8	market	market	NOUN
ajssms-2102	80	9	like	like	ADP
ajssms-2102	80	10	that	that	PRON
ajssms-2102	80	11	of	of	ADP
ajssms-2102	80	12	nigeria	nigeria	PROPN
ajssms-2102	80	13	,	,	PUNCT
ajssms-2102	80	14	it	it	PRON
ajssms-2102	80	15	takes	take	VERB
ajssms-2102	80	16	on	on	ADP
ajssms-2102	80	17	an	an	DET
ajssms-2102	80	18	increasing	increase	VERB
ajssms-2102	80	19	number	number	NOUN
ajssms-2102	80	20	of	of	ADP
ajssms-2102	80	21	activities	activity	NOUN
ajssms-2102	80	22	and	and	CCONJ
ajssms-2102	80	23	runs	run	VERB
ajssms-2102	80	24	the	the	DET
ajssms-2102	80	25	risk	risk	NOUN
ajssms-2102	80	26	of	of	ADP
ajssms-2102	80	27	focusing	focus	VERB
ajssms-2102	80	28	on	on	ADP
ajssms-2102	80	29	day	day	NOUN
ajssms-2102	80	30	to	to	ADP
ajssms-2102	80	31	day	day	NOUN
ajssms-2102	80	32	management	management	NOUN
ajssms-2102	80	33	issues	issue	NOUN
ajssms-2102	80	34	,	,	PUNCT
ajssms-2102	80	35	losing	lose	VERB
ajssms-2102	80	36	sight	sight	NOUN
ajssms-2102	80	37	of	of	ADP
ajssms-2102	80	38	long	long	ADJ
ajssms-2102	80	39	range	range	NOUN
ajssms-2102	80	40	objectives	objective	NOUN
ajssms-2102	80	41	.	.	PUNCT
ajssms-2102	81	1	strategic	strategic	ADJ
ajssms-2102	81	2	planning	planning	NOUN
ajssms-2102	81	3	is	be	AUX
ajssms-2102	81	4	the	the	DET
ajssms-2102	81	5	mechanism	mechanism	NOUN
ajssms-2102	81	6	to	to	PART
ajssms-2102	81	7	help	help	VERB
ajssms-2102	81	8	clarify	clarify	VERB
ajssms-2102	81	9	an	an	DET
ajssms-2102	81	10	organization	organization	NOUN
ajssms-2102	81	11	’s	’s	PART
ajssms-2102	81	12	mission	mission	NOUN
ajssms-2102	81	13	and	and	CCONJ
ajssms-2102	81	14	objectives	objective	NOUN
ajssms-2102	81	15	as	as	ADV
ajssms-2102	81	16	well	well	ADV
ajssms-2102	81	17	as	as	ADP
ajssms-2102	81	18	prioritize	prioritize	VERB
ajssms-2102	81	19	the	the	DET
ajssms-2102	81	20	actions	action	NOUN
ajssms-2102	81	21	needed	need	VERB
ajssms-2102	81	22	to	to	PART
ajssms-2102	81	23	accomplish	accomplish	VERB
ajssms-2102	81	24	them	they	PRON
ajssms-2102	81	25	.	.	PUNCT
ajssms-2102	82	1	effective	effective	ADJ
ajssms-2102	82	2	financial	financial	ADJ
ajssms-2102	82	3	planning	planning	NOUN
ajssms-2102	82	4	has	have	AUX
ajssms-2102	82	5	become	become	VERB
ajssms-2102	82	6	a	a	DET
ajssms-2102	82	7	prerequisite	prerequisite	NOUN
ajssms-2102	82	8	for	for	ADP
ajssms-2102	82	9	enterprise	enterprise	NOUN
ajssms-2102	82	10	risk	risk	NOUN
ajssms-2102	82	11	management	management	NOUN
ajssms-2102	82	12	in	in	ADP
ajssms-2102	82	13	nigeria	nigeria	PROPN
ajssms-2102	82	14	.	.	PUNCT
ajssms-2102	83	1	the	the	DET
ajssms-2102	83	2	role	role	NOUN
ajssms-2102	83	3	of	of	ADP
ajssms-2102	83	4	the	the	DET
ajssms-2102	83	5	financial	financial	ADJ
ajssms-2102	83	6	plan	plan	NOUN
ajssms-2102	83	7	in	in	ADP
ajssms-2102	83	8	erm	erm	PROPN
ajssms-2102	83	9	is	be	AUX
ajssms-2102	83	10	to	to	PART
ajssms-2102	83	11	determine	determine	VERB
ajssms-2102	83	12	if	if	SCONJ
ajssms-2102	83	13	the	the	DET
ajssms-2102	83	14	organization	organization	NOUN
ajssms-2102	83	15	is	be	AUX
ajssms-2102	83	16	going	go	VERB
ajssms-2102	83	17	to	to	PART
ajssms-2102	83	18	have	have	VERB
ajssms-2102	83	19	sufficient	sufficient	ADJ
ajssms-2102	83	20	resources	resource	NOUN
ajssms-2102	83	21	available	available	ADJ
ajssms-2102	83	22	in	in	ADP
ajssms-2102	83	23	the	the	DET
ajssms-2102	83	24	medium	medium	ADJ
ajssms-2102	83	25	term	term	NOUN
ajssms-2102	83	26	to	to	PART
ajssms-2102	83	27	meet	meet	VERB
ajssms-2102	83	28	the	the	DET
ajssms-2102	83	29	objectives	objective	NOUN
ajssms-2102	83	30	described	describe	VERB
ajssms-2102	83	31	in	in	ADP
ajssms-2102	83	32	the	the	DET
ajssms-2102	83	33	strategic	strategic	ADJ
ajssms-2102	83	34	plan	plan	NOUN
ajssms-2102	83	35	.	.	PUNCT
ajssms-2102	84	1	the	the	DET
ajssms-2102	84	2	financial	financial	ADJ
ajssms-2102	84	3	plan	plan	NOUN
ajssms-2102	84	4	operates	operate	VERB
ajssms-2102	84	5	on	on	ADP
ajssms-2102	84	6	the	the	DET
ajssms-2102	84	7	basis	basis	NOUN
ajssms-2102	84	8	of	of	ADP
ajssms-2102	84	9	scenarios	scenario	NOUN
ajssms-2102	84	10	,	,	PUNCT
ajssms-2102	84	11	ranging	range	VERB
ajssms-2102	84	12	from	from	ADP
ajssms-2102	84	13	the	the	DET
ajssms-2102	84	14	minimum	minimum	NOUN
ajssms-2102	84	15	feasible	feasible	ADJ
ajssms-2102	84	16	to	to	ADP
ajssms-2102	84	17	the	the	DET
ajssms-2102	84	18	ideal	ideal	NOUN
ajssms-2102	84	19	.	.	PUNCT
ajssms-2102	85	1	the	the	DET
ajssms-2102	85	2	second	second	ADJ
ajssms-2102	85	3	pillar	pillar	NOUN
ajssms-2102	85	4	of	of	ADP
ajssms-2102	85	5	financial	financial	ADJ
ajssms-2102	85	6	sustainability	sustainability	NOUN
ajssms-2102	85	7	is	be	AUX
ajssms-2102	85	8	income	income	NOUN
ajssms-2102	85	9	diversification	diversification	NOUN
ajssms-2102	85	10	.	.	PUNCT
ajssms-2102	86	1	it	it	PRON
ajssms-2102	86	2	refers	refer	VERB
ajssms-2102	86	3	not	not	PART
ajssms-2102	86	4	only	only	ADV
ajssms-2102	86	5	to	to	ADP
ajssms-2102	86	6	internal	internal	ADJ
ajssms-2102	86	7	income	income	NOUN
ajssms-2102	86	8	generation	generation	NOUN
ajssms-2102	86	9	,	,	PUNCT
ajssms-2102	86	10	but	but	CCONJ
ajssms-2102	86	11	also	also	ADV
ajssms-2102	86	12	to	to	ADP
ajssms-2102	86	13	the	the	DET
ajssms-2102	86	14	number	number	NOUN
ajssms-2102	86	15	of	of	ADP
ajssms-2102	86	16	income	income	NOUN
ajssms-2102	86	17	sources	source	NOUN
ajssms-2102	86	18	that	that	PRON
ajssms-2102	86	19	serves	serve	VERB
ajssms-2102	86	20	as	as	ADP
ajssms-2102	86	21	banks	bank	NOUN
ajssms-2102	86	22	main	main	ADJ
ajssms-2102	86	23	funding	funding	NOUN
ajssms-2102	86	24	.	.	PUNCT
ajssms-2102	87	1	boas	boas	PROPN
ajssms-2102	87	2	(	(	PUNCT
ajssms-2102	87	3	2012	2012	NUM
ajssms-2102	87	4	)	)	PUNCT
ajssms-2102	87	5	viewed	view	VERB
ajssms-2102	87	6	income	income	NOUN
ajssms-2102	87	7	diversification	diversification	NOUN
ajssms-2102	87	8	to	to	PART
ajssms-2102	87	9	include	include	VERB
ajssms-2102	87	10	a	a	DET
ajssms-2102	87	11	number	number	NOUN
ajssms-2102	87	12	of	of	ADP
ajssms-2102	87	13	activities	activity	NOUN
ajssms-2102	87	14	that	that	PRON
ajssms-2102	87	15	reduces	reduce	VERB
ajssms-2102	87	16	the	the	DET
ajssms-2102	87	17	bank	bank	NOUN
ajssms-2102	87	18	dependence	dependence	NOUN
ajssms-2102	87	19	on	on	ADP
ajssms-2102	87	20	a	a	DET
ajssms-2102	87	21	single	single	ADJ
ajssms-2102	87	22	stream	stream	NOUN
ajssms-2102	87	23	of	of	ADP
ajssms-2102	87	24	income	income	NOUN
ajssms-2102	87	25	.	.	PUNCT
ajssms-2102	88	1	for	for	ADP
ajssms-2102	88	2	sustainable	sustainable	ADJ
ajssms-2102	88	3	growth	growth	NOUN
ajssms-2102	88	4	,	,	PUNCT
ajssms-2102	88	5	deposit	deposit	NOUN
ajssms-2102	88	6	money	money	NOUN
ajssms-2102	88	7	banks	bank	NOUN
ajssms-2102	88	8	must	must	AUX
ajssms-2102	88	9	not	not	PART
ajssms-2102	88	10	rely	rely	VERB
ajssms-2102	88	11	so	so	ADV
ajssms-2102	88	12	much	much	ADV
ajssms-2102	88	13	on	on	ADP
ajssms-2102	88	14	a	a	DET
ajssms-2102	88	15	particular	particular	ADJ
ajssms-2102	88	16	income	income	NOUN
ajssms-2102	88	17	source	source	NOUN
ajssms-2102	88	18	if	if	SCONJ
ajssms-2102	88	19	it	it	PRON
ajssms-2102	88	20	must	must	AUX
ajssms-2102	88	21	achieve	achieve	VERB
ajssms-2102	88	22	effectual	effectual	ADJ
ajssms-2102	88	23	risk	risk	NOUN
ajssms-2102	88	24	management	management	NOUN
ajssms-2102	88	25	.	.	PUNCT
ajssms-2102	89	1	lastly	lastly	ADV
ajssms-2102	89	2	,	,	PUNCT
ajssms-2102	89	3	sound	sound	ADJ
ajssms-2102	89	4	administration	administration	NOUN
ajssms-2102	89	5	and	and	CCONJ
ajssms-2102	89	6	financepractices	financepractice	NOUN
ajssms-2102	89	7	involves	involve	VERB
ajssms-2102	89	8	the	the	DET
ajssms-2102	89	9	process	process	NOUN
ajssms-2102	89	10	of	of	ADP
ajssms-2102	89	11	managing	manage	VERB
ajssms-2102	89	12	the	the	DET
ajssms-2102	89	13	present	present	NOUN
ajssms-2102	89	14	and	and	CCONJ
ajssms-2102	89	15	future	future	NOUN
ajssms-2102	89	16	of	of	ADP
ajssms-2102	89	17	bank	bank	NOUN
ajssms-2102	89	18	resources	resource	NOUN
ajssms-2102	89	19	and	and	CCONJ
ajssms-2102	89	20	determining	determine	VERB
ajssms-2102	89	21	how	how	SCONJ
ajssms-2102	89	22	it	it	PRON
ajssms-2102	89	23	strategic	strategic	ADJ
ajssms-2102	89	24	plan	plan	NOUN
ajssms-2102	89	25	will	will	AUX
ajssms-2102	89	26	be	be	AUX
ajssms-2102	89	27	financed	finance	VERB
ajssms-2102	89	28	(	(	PUNCT
ajssms-2102	89	29	león	león	NOUN
ajssms-2102	89	30	,	,	PUNCT
ajssms-2102	89	31	2001	2001	NUM
ajssms-2102	89	32	;	;	PUNCT
ajssms-2102	89	33	lewis	lewis	PROPN
ajssms-2102	89	34	,	,	PUNCT
ajssms-2102	89	35	2011	2011	NUM
ajssms-2102	89	36	)	)	PUNCT
ajssms-2102	89	37	.	.	PUNCT
ajssms-2102	90	1	a	a	DET
ajssms-2102	90	2	good	good	ADJ
ajssms-2102	90	3	strategic	strategic	ADJ
ajssms-2102	90	4	financial	financial	ADJ
ajssms-2102	90	5	management	management	NOUN
ajssms-2102	90	6	practice	practice	NOUN
ajssms-2102	90	7	ensures	ensure	VERB
ajssms-2102	90	8	that	that	SCONJ
ajssms-2102	90	9	banks	bank	NOUN
ajssms-2102	90	10	are	be	AUX
ajssms-2102	90	11	able	able	ADJ
ajssms-2102	90	12	to	to	PART
ajssms-2102	90	13	secure	secure	VERB
ajssms-2102	90	14	long	long	ADJ
ajssms-2102	90	15	term	term	NOUN
ajssms-2102	90	16	funding	funding	NOUN
ajssms-2102	90	17	from	from	ADP
ajssms-2102	90	18	it	it	PRON
ajssms-2102	90	19	day	day	NOUN
ajssms-2102	90	20	to	to	ADP
ajssms-2102	90	21	day	day	NOUN
ajssms-2102	90	22	operation	operation	NOUN
ajssms-2102	90	23	.	.	PUNCT
ajssms-2102	91	1	lewis	lewis	PROPN
ajssms-2102	91	2	(	(	PUNCT
ajssms-2102	91	3	2011	2011	NUM
ajssms-2102	91	4	)	)	PUNCT
ajssms-2102	91	5	;	;	PUNCT
ajssms-2102	91	6	león	león	NOUN
ajssms-2102	91	7	(	(	PUNCT
ajssms-2102	91	8	2001	2001	NUM
ajssms-2102	91	9	)	)	PUNCT
ajssms-2102	91	10	further	far	ADV
ajssms-2102	91	11	stressed	stress	VERB
ajssms-2102	91	12	the	the	DET
ajssms-2102	91	13	need	need	NOUN
ajssms-2102	91	14	for	for	SCONJ
ajssms-2102	91	15	bank	bank	NOUN
ajssms-2102	91	16	to	to	PART
ajssms-2102	91	17	manage	manage	VERB
ajssms-2102	91	18	their	their	PRON
ajssms-2102	91	19	finances	finance	NOUN
ajssms-2102	91	20	and	and	CCONJ
ajssms-2102	91	21	have	have	VERB
ajssms-2102	91	22	a	a	DET
ajssms-2102	91	23	long	long	ADJ
ajssms-2102	91	24	term	term	NOUN
ajssms-2102	91	25	sustainable	sustainable	ADJ
ajssms-2102	91	26	financial	financial	ADJ
ajssms-2102	91	27	plan	plan	NOUN
ajssms-2102	91	28	,	,	PUNCT
ajssms-2102	91	29	this	this	PRON
ajssms-2102	91	30	is	be	AUX
ajssms-2102	91	31	because	because	SCONJ
ajssms-2102	91	32	the	the	DET
ajssms-2102	91	33	business	business	NOUN
ajssms-2102	91	34	environment	environment	NOUN
ajssms-2102	91	35	is	be	AUX
ajssms-2102	91	36	changing	change	VERB
ajssms-2102	91	37	so	so	ADV
ajssms-2102	91	38	fast	fast	ADV
ajssms-2102	91	39	and	and	CCONJ
ajssms-2102	91	40	the	the	DET
ajssms-2102	91	41	demand	demand	NOUN
ajssms-2102	91	42	on	on	ADP
ajssms-2102	91	43	bank	bank	NOUN
ajssms-2102	91	44	are	be	AUX
ajssms-2102	91	45	increasing	increase	VERB
ajssms-2102	91	46	due	due	ADP
ajssms-2102	91	47	to	to	ADP
ajssms-2102	91	48	several	several	ADJ
ajssms-2102	91	49	factors	factor	NOUN
ajssms-2102	91	50	.	.	PUNCT
ajssms-2102	92	1	2.3	2.3	NUM
ajssms-2102	92	2	.	.	PUNCT
ajssms-2102	92	3	effect	effect	NOUN
ajssms-2102	92	4	of	of	ADP
ajssms-2102	92	5	enterprise	enterprise	NOUN
ajssms-2102	92	6	risk	risk	NOUN
ajssms-2102	92	7	management	management	NOUN
ajssms-2102	92	8	on	on	ADP
ajssms-2102	92	9	sustainability	sustainability	NOUN
ajssms-2102	92	10	and	and	CCONJ
ajssms-2102	92	11	survival	survival	NOUN
ajssms-2102	92	12	of	of	ADP
ajssms-2102	92	13	banks	bank	NOUN
ajssms-2102	92	14	in	in	ADP
ajssms-2102	92	15	nigeria	nigeria	PROPN
ajssms-2102	92	16	clearly	clearly	ADV
ajssms-2102	92	17	,	,	PUNCT
ajssms-2102	92	18	erm	erm	PROPN
ajssms-2102	92	19	and	and	CCONJ
ajssms-2102	92	20	sustainability	sustainability	NOUN
ajssms-2102	92	21	are	be	AUX
ajssms-2102	92	22	interrelated	interrelated	ADJ
ajssms-2102	92	23	.	.	PUNCT
ajssms-2102	93	1	doyle	doyle	NOUN
ajssms-2102	93	2	,	,	PUNCT
ajssms-2102	93	3	hughes	hughe	NOUN
ajssms-2102	93	4	,	,	PUNCT
ajssms-2102	93	5	and	and	CCONJ
ajssms-2102	93	6	glaister	glaister	NOUN
ajssms-2102	93	7	(	(	PUNCT
ajssms-2102	93	8	2009	2009	NUM
ajssms-2102	93	9	)	)	PUNCT
ajssms-2102	93	10	surmised	surmise	VERB
ajssms-2102	93	11	that	that	SCONJ
ajssms-2102	93	12	risk	risk	NOUN
ajssms-2102	93	13	management	management	NOUN
ajssms-2102	93	14	provides	provide	VERB
ajssms-2102	93	15	an	an	DET
ajssms-2102	93	16	operational	operational	ADJ
ajssms-2102	93	17	mechanism	mechanism	NOUN
ajssms-2102	93	18	ensuring	ensure	VERB
ajssms-2102	93	19	ethical	ethical	ADJ
ajssms-2102	93	20	and	and	CCONJ
ajssms-2102	93	21	sustainable	sustainable	ADJ
ajssms-2102	93	22	decision	decision	NOUN
ajssms-2102	93	23	-	-	PUNCT
ajssms-2102	93	24	making	making	NOUN
ajssms-2102	93	25	.	.	PUNCT
ajssms-2102	94	1	enterprise	enterprise	NOUN
ajssms-2102	94	2	wide	wide	ADJ
ajssms-2102	94	3	risk	risk	NOUN
ajssms-2102	94	4	management	management	NOUN
ajssms-2102	94	5	also	also	ADV
ajssms-2102	94	6	increases	increase	VERB
ajssms-2102	94	7	risk	risk	NOUN
ajssms-2102	94	8	awareness	awareness	NOUN
ajssms-2102	94	9	and	and	CCONJ
ajssms-2102	94	10	subsequently	subsequently	ADV
ajssms-2102	94	11	increases	increase	VERB
ajssms-2102	94	12	knowledge	knowledge	NOUN
ajssms-2102	94	13	that	that	PRON
ajssms-2102	94	14	leads	lead	VERB
ajssms-2102	94	15	to	to	PART
ajssms-2102	94	16	sound	sound	VERB
ajssms-2102	94	17	decision	decision	NOUN
ajssms-2102	94	18	making	making	NOUN
ajssms-2102	94	19	throughout	throughout	ADP
ajssms-2102	94	20	the	the	DET
ajssms-2102	94	21	organization	organization	NOUN
ajssms-2102	94	22	(	(	PUNCT
ajssms-2102	94	23	kleffner	kleffner	PROPN
ajssms-2102	94	24	et	et	PROPN
ajssms-2102	94	25	al	al	PROPN
ajssms-2102	94	26	.	.	PROPN
ajssms-2102	94	27	,	,	PUNCT
ajssms-2102	94	28	2003	2003	NUM
ajssms-2102	94	29	)	)	PUNCT
ajssms-2102	94	30	.	.	PUNCT
ajssms-2102	95	1	it	it	PRON
ajssms-2102	95	2	is	be	AUX
ajssms-2102	95	3	necessary	necessary	ADJ
ajssms-2102	95	4	to	to	PART
ajssms-2102	95	5	employ	employ	VERB
ajssms-2102	95	6	a	a	DET
ajssms-2102	95	7	wide	wide	ADJ
ajssms-2102	95	8	range	range	NOUN
ajssms-2102	95	9	of	of	ADP
ajssms-2102	95	10	control	control	NOUN
ajssms-2102	95	11	mechanisms	mechanism	NOUN
ajssms-2102	95	12	,	,	PUNCT
ajssms-2102	95	13	such	such	ADJ
ajssms-2102	95	14	as	as	ADP
ajssms-2102	95	15	risk	risk	NOUN
ajssms-2102	95	16	management	management	NOUN
ajssms-2102	95	17	.	.	PUNCT
ajssms-2102	96	1	as	as	ADP
ajssms-2102	96	2	a	a	DET
ajssms-2102	96	3	management	management	NOUN
ajssms-2102	96	4	control	control	NOUN
ajssms-2102	96	5	system	system	NOUN
ajssms-2102	96	6	,	,	PUNCT
ajssms-2102	96	7	the	the	DET
ajssms-2102	96	8	purpose	purpose	NOUN
ajssms-2102	96	9	of	of	ADP
ajssms-2102	96	10	erm	erm	PROPN
ajssms-2102	96	11	is	be	AUX
ajssms-2102	96	12	to	to	PART
ajssms-2102	96	13	help	help	VERB
ajssms-2102	96	14	an	an	DET
ajssms-2102	96	15	organization	organization	NOUN
ajssms-2102	96	16	achieve	achieve	VERB
ajssms-2102	96	17	sustainable	sustainable	ADJ
ajssms-2102	96	18	outcomes	outcome	NOUN
ajssms-2102	96	19	.	.	PUNCT
ajssms-2102	97	1	in	in	ADP
ajssms-2102	97	2	the	the	DET
ajssms-2102	97	3	same	same	ADJ
ajssms-2102	97	4	vein	vein	NOUN
ajssms-2102	97	5	,	,	PUNCT
ajssms-2102	97	6	an	an	DET
ajssms-2102	97	7	effective	effective	ADJ
ajssms-2102	97	8	erm	erm	NOUN
ajssms-2102	97	9	program	program	NOUN
ajssms-2102	97	10	is	be	AUX
ajssms-2102	97	11	essential	essential	ADJ
ajssms-2102	97	12	for	for	ADP
ajssms-2102	97	13	good	good	ADJ
ajssms-2102	97	14	corporate	corporate	ADJ
ajssms-2102	97	15	governance	governance	NOUN
ajssms-2102	97	16	and	and	CCONJ
ajssms-2102	97	17	sustainable	sustainable	ADJ
ajssms-2102	97	18	development	development	NOUN
ajssms-2102	97	19	of	of	ADP
ajssms-2102	97	20	an	an	DET
ajssms-2102	97	21	organization	organization	NOUN
ajssms-2102	97	22	in	in	ADP
ajssms-2102	97	23	nigeria	nigeria	PROPN
ajssms-2102	97	24	.	.	PUNCT
ajssms-2102	98	1	corporate	corporate	ADJ
ajssms-2102	98	2	scandals	scandal	NOUN
ajssms-2102	98	3	and	and	CCONJ
ajssms-2102	98	4	diminished	diminish	VERB
ajssms-2102	98	5	confidence	confidence	NOUN
ajssms-2102	98	6	in	in	ADP
ajssms-2102	98	7	financial	financial	ADJ
ajssms-2102	98	8	reporting	reporting	NOUN
ajssms-2102	98	9	among	among	ADP
ajssms-2102	98	10	investors	investor	NOUN
ajssms-2102	98	11	and	and	CCONJ
ajssms-2102	98	12	creditors	creditor	NOUN
ajssms-2102	98	13	have	have	AUX
ajssms-2102	98	14	renewed	renew	VERB
ajssms-2102	98	15	corporate	corporate	ADJ
ajssms-2102	98	16	governance	governance	NOUN
ajssms-2102	98	17	as	as	ADP
ajssms-2102	98	18	an	an	DET
ajssms-2102	98	19	acme	acme	NOUN
ajssms-2102	98	20	-	-	PUNCT
ajssms-2102	98	21	of	of	ADP
ajssms-2102	98	22	-	-	PUNCT
ajssms-2102	98	23	mind	mind	NOUN
ajssms-2102	98	24	priority	priority	NOUN
ajssms-2102	98	25	for	for	ADP
ajssms-2102	98	26	boards	board	NOUN
ajssms-2102	98	27	of	of	ADP
ajssms-2102	98	28	directors	director	NOUN
ajssms-2102	98	29	,	,	PUNCT
ajssms-2102	98	30	management	management	NOUN
ajssms-2102	98	31	,	,	PUNCT
ajssms-2102	98	32	auditors	auditor	NOUN
ajssms-2102	98	33	,	,	PUNCT
ajssms-2102	98	34	and	and	CCONJ
ajssms-2102	98	35	stakeholders	stakeholder	NOUN
ajssms-2102	98	36	.	.	PUNCT
ajssms-2102	99	1	in	in	ADP
ajssms-2102	99	2	nigeria	nigeria	PROPN
ajssms-2102	99	3	,	,	PUNCT
ajssms-2102	99	4	there	there	PRON
ajssms-2102	99	5	is	be	VERB
ajssms-2102	99	6	an	an	DET
ajssms-2102	99	7	extremely	extremely	ADV
ajssms-2102	99	8	upturn	upturn	ADJ
ajssms-2102	99	9	in	in	ADP
ajssms-2102	99	10	the	the	DET
ajssms-2102	99	11	number	number	NOUN
ajssms-2102	99	12	of	of	ADP
ajssms-2102	99	13	banks	bank	NOUN
ajssms-2102	99	14	trying	try	VERB
ajssms-2102	99	15	to	to	PART
ajssms-2102	99	16	manage	manage	VERB
ajssms-2102	99	17	risks	risk	NOUN
ajssms-2102	99	18	.	.	PUNCT
ajssms-2102	100	1	thus	thus	ADV
ajssms-2102	100	2	,	,	PUNCT
ajssms-2102	100	3	it	it	PRON
ajssms-2102	100	4	is	be	AUX
ajssms-2102	100	5	of	of	ADP
ajssms-2102	100	6	great	great	ADJ
ajssms-2102	100	7	concern	concern	NOUN
ajssms-2102	100	8	for	for	SCONJ
ajssms-2102	100	9	banks	bank	NOUN
ajssms-2102	100	10	to	to	PART
ajssms-2102	100	11	effectively	effectively	ADV
ajssms-2102	100	12	integrate	integrate	VERB
ajssms-2102	100	13	enterprise	enterprise	NOUN
ajssms-2102	100	14	risk	risk	NOUN
ajssms-2102	100	15	management	management	NOUN
ajssms-2102	100	16	with	with	ADP
ajssms-2102	100	17	sustainability	sustainability	NOUN
ajssms-2102	100	18	and	and	CCONJ
ajssms-2102	100	19	survival	survival	NOUN
ajssms-2102	100	20	.	.	PUNCT
ajssms-2102	101	1	no	no	PRON
ajssms-2102	101	2	doubt	doubt	ADV
ajssms-2102	101	3	the	the	DET
ajssms-2102	101	4	effect	effect	NOUN
ajssms-2102	101	5	of	of	ADP
ajssms-2102	101	6	poor	poor	ADJ
ajssms-2102	101	7	management	management	NOUN
ajssms-2102	101	8	of	of	ADP
ajssms-2102	101	9	risk	risk	NOUN
ajssms-2102	101	10	by	by	ADP
ajssms-2102	101	11	insurance	insurance	NOUN
ajssms-2102	101	12	firms	firm	NOUN
ajssms-2102	101	13	could	could	AUX
ajssms-2102	101	14	lead	lead	VERB
ajssms-2102	101	15	to	to	ADP
ajssms-2102	101	16	accumulation	accumulation	NOUN
ajssms-2102	101	17	of	of	ADP
ajssms-2102	101	18	claims	claim	NOUN
ajssms-2102	101	19	from	from	ADP
ajssms-2102	101	20	the	the	DET
ajssms-2102	101	21	clients	client	NOUN
ajssms-2102	101	22	and	and	CCONJ
ajssms-2102	101	23	in	in	ADP
ajssms-2102	101	24	turn	turn	NOUN
ajssms-2102	101	25	could	could	AUX
ajssms-2102	101	26	result	result	VERB
ajssms-2102	101	27	to	to	ADP
ajssms-2102	101	28	an	an	DET
ajssms-2102	101	29	increased	increase	VERB
ajssms-2102	101	30	organisational	organisational	ADJ
ajssms-2102	101	31	loss	loss	NOUN
ajssms-2102	101	32	and	and	CCONJ
ajssms-2102	101	33	weak	weak	ADJ
ajssms-2102	101	34	financial	financial	ADJ
ajssms-2102	101	35	performance	performance	NOUN
ajssms-2102	101	36	.	.	PUNCT
ajssms-2102	102	1	but	but	CCONJ
ajssms-2102	102	2	by	by	ADP
ajssms-2102	102	3	extension	extension	NOUN
ajssms-2102	102	4	such	such	ADJ
ajssms-2102	102	5	piled	pile	VERB
ajssms-2102	102	6	up	up	ADP
ajssms-2102	102	7	leverages	leverage	NOUN
ajssms-2102	102	8	also	also	ADV
ajssms-2102	102	9	influence	influence	VERB
ajssms-2102	102	10	deposit	deposit	NOUN
ajssms-2102	102	11	money	money	NOUN
ajssms-2102	102	12	banks	bank	NOUN
ajssms-2102	102	13	particularly	particularly	ADV
ajssms-2102	102	14	in	in	ADP
ajssms-2102	102	15	nigeria	nigeria	PROPN
ajssms-2102	102	16	(	(	PUNCT
ajssms-2102	102	17	magezi	magezi	PROPN
ajssms-2102	102	18	,	,	PUNCT
ajssms-2102	102	19	2003	2003	NUM
ajssms-2102	102	20	)	)	PUNCT
ajssms-2102	102	21	.	.	PUNCT
ajssms-2102	103	1	with	with	ADP
ajssms-2102	103	2	the	the	DET
ajssms-2102	103	3	capabilities	capability	NOUN
ajssms-2102	103	4	inherent	inherent	ADJ
ajssms-2102	103	5	in	in	ADP
ajssms-2102	103	6	enterprise	enterprise	NOUN
ajssms-2102	103	7	risk	risk	NOUN
ajssms-2102	103	8	management	management	NOUN
ajssms-2102	103	9	,	,	PUNCT
ajssms-2102	103	10	management	management	NOUN
ajssms-2102	103	11	attain	attain	VERB
ajssms-2102	103	12	the	the	DET
ajssms-2102	103	13	entity	entity	NOUN
ajssms-2102	103	14	’s	’s	PART
ajssms-2102	103	15	performance	performance	NOUN
ajssms-2102	103	16	and	and	CCONJ
ajssms-2102	103	17	profitability	profitability	NOUN
ajssms-2102	103	18	targets	target	NOUN
ajssms-2102	103	19	and	and	CCONJ
ajssms-2102	103	20	in	in	ADP
ajssms-2102	103	21	turn	turn	NOUN
ajssms-2102	103	22	resulting	result	VERB
ajssms-2102	103	23	to	to	ADP
ajssms-2102	103	24	sustainability	sustainability	NOUN
ajssms-2102	103	25	and	and	CCONJ
ajssms-2102	103	26	prevent	prevent	VERB
ajssms-2102	103	27	loss	loss	NOUN
ajssms-2102	103	28	of	of	ADP
ajssms-2102	103	29	scarce	scarce	ADJ
ajssms-2102	103	30	resources	resource	NOUN
ajssms-2102	103	31	.	.	PUNCT
ajssms-2102	104	1	enterprise	enterprise	NOUN
ajssms-2102	104	2	risk	risk	NOUN
ajssms-2102	104	3	management	management	NOUN
ajssms-2102	104	4	helps	help	VERB
ajssms-2102	104	5	an	an	DET
ajssms-2102	104	6	entity	entity	NOUN
ajssms-2102	104	7	get	get	VERB
ajssms-2102	104	8	to	to	ADP
ajssms-2102	104	9	where	where	SCONJ
ajssms-2102	104	10	it	it	PRON
ajssms-2102	104	11	wants	want	VERB
ajssms-2102	104	12	to	to	PART
ajssms-2102	104	13	go	go	VERB
ajssms-2102	104	14	and	and	CCONJ
ajssms-2102	104	15	avoid	avoid	VERB
ajssms-2102	104	16	pitfalls	pitfall	NOUN
ajssms-2102	104	17	and	and	CCONJ
ajssms-2102	104	18	surprises	surprise	NOUN
ajssms-2102	104	19	along	along	ADP
ajssms-2102	104	20	the	the	DET
ajssms-2102	104	21	way	way	NOUN
ajssms-2102	104	22	(	(	PUNCT
ajssms-2102	104	23	nocco	nocco	PROPN
ajssms-2102	104	24	&	&	CCONJ
ajssms-2102	104	25	asian	asian	PROPN
ajssms-2102	104	26	journal	journal	PROPN
ajssms-2102	104	27	of	of	ADP
ajssms-2102	104	28	social	social	ADJ
ajssms-2102	104	29	sciences	sciences	PROPN
ajssms-2102	104	30	and	and	CCONJ
ajssms-2102	104	31	management	management	NOUN
ajssms-2102	104	32	studies	study	NOUN
ajssms-2102	104	33	,	,	PUNCT
ajssms-2102	104	34	2020	2020	NUM
ajssms-2102	104	35	,	,	PUNCT
ajssms-2102	104	36	7(3	7(3	NUM
ajssms-2102	104	37	):	):	PUNCT
ajssms-2102	104	38	250	250	NUM
ajssms-2102	104	39	-	-	SYM
ajssms-2102	104	40	257	257	NUM
ajssms-2102	104	41	253	253	NUM
ajssms-2102	104	42	©	©	ADP
ajssms-2102	104	43	2020	2020	NUM
ajssms-2102	104	44	by	by	ADP
ajssms-2102	104	45	the	the	DET
ajssms-2102	104	46	authors	author	NOUN
ajssms-2102	104	47	;	;	PUNCT
ajssms-2102	104	48	licensee	licensee	PROPN
ajssms-2102	104	49	asian	asian	ADJ
ajssms-2102	104	50	online	online	PROPN
ajssms-2102	104	51	journal	journal	PROPN
ajssms-2102	104	52	publishing	publishing	NOUN
ajssms-2102	104	53	group	group	PROPN
ajssms-2102	104	54	stulz	stulz	ADJ
ajssms-2102	104	55	,	,	PUNCT
ajssms-2102	104	56	2006	2006	NUM
ajssms-2102	104	57	)	)	PUNCT
ajssms-2102	104	58	.	.	PUNCT
ajssms-2102	105	1	enterprise	enterprise	NOUN
ajssms-2102	105	2	risk	risk	NOUN
ajssms-2102	105	3	management	management	NOUN
ajssms-2102	105	4	helps	help	VERB
ajssms-2102	105	5	ensure	ensure	VERB
ajssms-2102	105	6	effective	effective	ADJ
ajssms-2102	105	7	reporting	reporting	NOUN
ajssms-2102	105	8	and	and	CCONJ
ajssms-2102	105	9	compliance	compliance	NOUN
ajssms-2102	105	10	with	with	ADP
ajssms-2102	105	11	laws	law	NOUN
ajssms-2102	105	12	and	and	CCONJ
ajssms-2102	105	13	regulations	regulation	NOUN
ajssms-2102	105	14	,	,	PUNCT
ajssms-2102	105	15	and	and	CCONJ
ajssms-2102	105	16	helps	help	VERB
ajssms-2102	105	17	avoid	avoid	VERB
ajssms-2102	105	18	damage	damage	NOUN
ajssms-2102	105	19	to	to	ADP
ajssms-2102	105	20	the	the	DET
ajssms-2102	105	21	entity	entity	NOUN
ajssms-2102	105	22	’s	’s	PART
ajssms-2102	105	23	reputation	reputation	NOUN
ajssms-2102	105	24	and	and	CCONJ
ajssms-2102	105	25	associated	associated	ADJ
ajssms-2102	105	26	consequences	consequence	NOUN
ajssms-2102	105	27	.	.	PUNCT
ajssms-2102	106	1	lastly	lastly	ADV
ajssms-2102	106	2	,	,	PUNCT
ajssms-2102	106	3	enterprise	enterprise	NOUN
ajssms-2102	106	4	risk	risk	NOUN
ajssms-2102	106	5	management	management	NOUN
ajssms-2102	106	6	delivers	deliver	VERB
ajssms-2102	106	7	a	a	DET
ajssms-2102	106	8	current	current	ADJ
ajssms-2102	106	9	,	,	PUNCT
ajssms-2102	106	10	credible	credible	ADJ
ajssms-2102	106	11	understanding	understanding	NOUN
ajssms-2102	106	12	of	of	ADP
ajssms-2102	106	13	the	the	DET
ajssms-2102	106	14	risks	risk	NOUN
ajssms-2102	106	15	unique	unique	ADJ
ajssms-2102	106	16	to	to	ADP
ajssms-2102	106	17	an	an	DET
ajssms-2102	106	18	organization	organization	NOUN
ajssms-2102	106	19	across	across	ADP
ajssms-2102	106	20	a	a	DET
ajssms-2102	106	21	broad	broad	ADJ
ajssms-2102	106	22	spectrum	spectrum	NOUN
ajssms-2102	106	23	that	that	PRON
ajssms-2102	106	24	includes	include	VERB
ajssms-2102	106	25	all	all	DET
ajssms-2102	106	26	types	type	NOUN
ajssms-2102	106	27	of	of	ADP
ajssms-2102	106	28	risk	risk	NOUN
ajssms-2102	106	29	(	(	PUNCT
ajssms-2102	106	30	credit	credit	NOUN
ajssms-2102	106	31	risk	risk	NOUN
ajssms-2102	106	32	,	,	PUNCT
ajssms-2102	106	33	operational	operational	ADJ
ajssms-2102	106	34	risk	risk	NOUN
ajssms-2102	106	35	,	,	PUNCT
ajssms-2102	106	36	market	market	NOUN
ajssms-2102	106	37	risk	risk	NOUN
ajssms-2102	106	38	,	,	PUNCT
ajssms-2102	106	39	liquidity	liquidity	NOUN
ajssms-2102	106	40	risk	risk	NOUN
ajssms-2102	106	41	and	and	CCONJ
ajssms-2102	106	42	trading	trading	NOUN
ajssms-2102	106	43	risk	risk	NOUN
ajssms-2102	106	44	)	)	PUNCT
ajssms-2102	106	45	,	,	PUNCT
ajssms-2102	106	46	lines	line	NOUN
ajssms-2102	106	47	of	of	ADP
ajssms-2102	106	48	business	business	NOUN
ajssms-2102	106	49	and	and	CCONJ
ajssms-2102	106	50	other	other	ADJ
ajssms-2102	106	51	key	key	ADJ
ajssms-2102	106	52	dimensions	dimension	NOUN
ajssms-2102	106	53	.	.	PUNCT
ajssms-2102	107	1	diagram	diagram	NOUN
ajssms-2102	107	2	1	1	NUM
ajssms-2102	107	3	.	.	PUNCT
ajssms-2102	108	1	the	the	DET
ajssms-2102	108	2	conceptual	conceptual	ADJ
ajssms-2102	108	3	model	model	NOUN
ajssms-2102	108	4	of	of	ADP
ajssms-2102	108	5	enterprise	enterprise	NOUN
ajssms-2102	108	6	risk	risk	NOUN
ajssms-2102	108	7	management	management	NOUN
ajssms-2102	108	8	and	and	CCONJ
ajssms-2102	108	9	it	it	PRON
ajssms-2102	108	10	effect	effect	VERB
ajssms-2102	108	11	on	on	ADP
ajssms-2102	108	12	the	the	DET
ajssms-2102	108	13	sustainability	sustainability	NOUN
ajssms-2102	108	14	and	and	CCONJ
ajssms-2102	108	15	survival	survival	NOUN
ajssms-2102	108	16	of	of	ADP
ajssms-2102	108	17	deposit	deposit	NOUN
ajssms-2102	108	18	money	money	NOUN
ajssms-2102	108	19	banks	bank	NOUN
ajssms-2102	108	20	in	in	ADP
ajssms-2102	108	21	nigeria	nigeria	PROPN
ajssms-2102	108	22	.	.	PUNCT
ajssms-2102	109	1	the	the	DET
ajssms-2102	109	2	proposed	propose	VERB
ajssms-2102	109	3	model	model	NOUN
ajssms-2102	109	4	seeks	seek	VERB
ajssms-2102	109	5	to	to	PART
ajssms-2102	109	6	determine	determine	VERB
ajssms-2102	109	7	whether	whether	SCONJ
ajssms-2102	109	8	enterprise	enterprise	NOUN
ajssms-2102	109	9	risk	risk	NOUN
ajssms-2102	109	10	management	management	NOUN
ajssms-2102	109	11	have	have	VERB
ajssms-2102	109	12	a	a	DET
ajssms-2102	109	13	significant	significant	ADJ
ajssms-2102	109	14	effect	effect	NOUN
ajssms-2102	109	15	on	on	ADP
ajssms-2102	109	16	strategic	strategic	ADJ
ajssms-2102	109	17	and	and	CCONJ
ajssms-2102	109	18	financial	financial	ADJ
ajssms-2102	109	19	planning	planning	NOUN
ajssms-2102	109	20	,	,	PUNCT
ajssms-2102	109	21	income	income	NOUN
ajssms-2102	109	22	diversification	diversification	NOUN
ajssms-2102	109	23	and	and	CCONJ
ajssms-2102	109	24	sound	sound	NOUN
ajssms-2102	109	25	administration	administration	NOUN
ajssms-2102	109	26	and	and	CCONJ
ajssms-2102	109	27	finance	finance	NOUN
ajssms-2102	109	28	of	of	ADP
ajssms-2102	109	29	banks	bank	NOUN
ajssms-2102	109	30	in	in	ADP
ajssms-2102	109	31	nigeria	nigeria	PROPN
ajssms-2102	109	32	.	.	PUNCT
ajssms-2102	110	1	2.4	2.4	NUM
ajssms-2102	110	2	.	.	PUNCT
ajssms-2102	111	1	theoretical	theoretical	ADJ
ajssms-2102	111	2	framework	framework	NOUN
ajssms-2102	111	3	capital	capital	NOUN
ajssms-2102	111	4	asset	asset	NOUN
ajssms-2102	111	5	pricing	pricing	NOUN
ajssms-2102	111	6	model	model	NOUN
ajssms-2102	111	7	(	(	PUNCT
ajssms-2102	111	8	capm	capm	PROPN
ajssms-2102	111	9	)	)	PUNCT
ajssms-2102	111	10	is	be	AUX
ajssms-2102	111	11	an	an	DET
ajssms-2102	111	12	established	establish	VERB
ajssms-2102	111	13	theory	theory	NOUN
ajssms-2102	111	14	in	in	ADP
ajssms-2102	111	15	relation	relation	NOUN
ajssms-2102	111	16	to	to	PART
ajssms-2102	111	17	enterprise	enterprise	NOUN
ajssms-2102	111	18	risk	risk	NOUN
ajssms-2102	111	19	management	management	NOUN
ajssms-2102	111	20	and	and	CCONJ
ajssms-2102	111	21	bank	bank	NOUN
ajssms-2102	111	22	sustainability	sustainability	NOUN
ajssms-2102	111	23	and	and	CCONJ
ajssms-2102	111	24	survival	survival	NOUN
ajssms-2102	111	25	.	.	PUNCT
ajssms-2102	112	1	2.5	2.5	NUM
ajssms-2102	112	2	capital	capital	NOUN
ajssms-2102	112	3	asset	asset	NOUN
ajssms-2102	112	4	pricing	pricing	NOUN
ajssms-2102	112	5	model	model	NOUN
ajssms-2102	112	6	(	(	PUNCT
ajssms-2102	112	7	capm	capm	PROPN
ajssms-2102	112	8	)	)	PUNCT
ajssms-2102	112	9	capm	capm	PROPN
ajssms-2102	112	10	model	model	NOUN
ajssms-2102	112	11	which	which	PRON
ajssms-2102	112	12	represents	represent	VERB
ajssms-2102	112	13	an	an	DET
ajssms-2102	112	14	extension	extension	NOUN
ajssms-2102	112	15	and	and	CCONJ
ajssms-2102	112	16	better	well	ADJ
ajssms-2102	112	17	simplification	simplification	NOUN
ajssms-2102	112	18	of	of	ADP
ajssms-2102	112	19	the	the	DET
ajssms-2102	112	20	model	model	NOUN
ajssms-2102	112	21	put	put	VERB
ajssms-2102	112	22	forward	forward	ADV
ajssms-2102	112	23	by	by	ADP
ajssms-2102	112	24	markowitz	markowitz	PROPN
ajssms-2102	112	25	(	(	PUNCT
ajssms-2102	112	26	1952	1952	NUM
ajssms-2102	112	27	)	)	PUNCT
ajssms-2102	112	28	which	which	PRON
ajssms-2102	112	29	was	be	AUX
ajssms-2102	112	30	at	at	ADP
ajssms-2102	112	31	the	the	DET
ajssms-2102	112	32	foremost	foremost	NOUN
ajssms-2102	112	33	of	of	ADP
ajssms-2102	112	34	theorizing	theorize	VERB
ajssms-2102	112	35	a	a	DET
ajssms-2102	112	36	model	model	NOUN
ajssms-2102	112	37	on	on	ADP
ajssms-2102	112	38	the	the	DET
ajssms-2102	112	39	relationship	relationship	NOUN
ajssms-2102	112	40	between	between	ADP
ajssms-2102	112	41	return	return	NOUN
ajssms-2102	112	42	and	and	CCONJ
ajssms-2102	112	43	risk	risk	NOUN
ajssms-2102	112	44	.	.	PUNCT
ajssms-2102	113	1	the	the	DET
ajssms-2102	113	2	capital	capital	NOUN
ajssms-2102	113	3	asset	asset	NOUN
ajssms-2102	113	4	pricing	pricing	NOUN
ajssms-2102	113	5	model	model	NOUN
ajssms-2102	113	6	states	state	NOUN
ajssms-2102	113	7	that	that	SCONJ
ajssms-2102	113	8	all	all	DET
ajssms-2102	113	9	investors	investor	NOUN
ajssms-2102	113	10	will	will	AUX
ajssms-2102	113	11	hold	hold	VERB
ajssms-2102	113	12	the	the	DET
ajssms-2102	113	13	same	same	ADJ
ajssms-2102	113	14	efficient	efficient	ADJ
ajssms-2102	113	15	portfolio	portfolio	NOUN
ajssms-2102	113	16	(	(	PUNCT
ajssms-2102	113	17	the	the	DET
ajssms-2102	113	18	market	market	NOUN
ajssms-2102	113	19	portfolio	portfolio	NOUN
ajssms-2102	113	20	)	)	PUNCT
ajssms-2102	113	21	regardless	regardless	ADV
ajssms-2102	113	22	of	of	ADP
ajssms-2102	113	23	their	their	PRON
ajssms-2102	113	24	individual	individual	ADJ
ajssms-2102	113	25	risk	risk	NOUN
ajssms-2102	113	26	preferences	preference	NOUN
ajssms-2102	113	27	.	.	PUNCT
ajssms-2102	114	1	in	in	ADP
ajssms-2102	114	2	drawing	draw	VERB
ajssms-2102	114	3	a	a	DET
ajssms-2102	114	4	relationship	relationship	NOUN
ajssms-2102	114	5	on	on	ADP
ajssms-2102	114	6	risk	risk	NOUN
ajssms-2102	114	7	management	management	NOUN
ajssms-2102	114	8	on	on	ADP
ajssms-2102	114	9	sustainability	sustainability	NOUN
ajssms-2102	114	10	,	,	PUNCT
ajssms-2102	114	11	gossy	gossy	ADJ
ajssms-2102	114	12	(	(	PUNCT
ajssms-2102	114	13	2008	2008	NUM
ajssms-2102	114	14	)	)	PUNCT
ajssms-2102	114	15	further	far	ADV
ajssms-2102	114	16	confirms	confirm	VERB
ajssms-2102	114	17	that	that	SCONJ
ajssms-2102	114	18	capm	capm	PROPN
ajssms-2102	114	19	is	be	AUX
ajssms-2102	114	20	capable	capable	ADJ
ajssms-2102	114	21	of	of	ADP
ajssms-2102	114	22	determining	determine	VERB
ajssms-2102	114	23	the	the	DET
ajssms-2102	114	24	market	market	NOUN
ajssms-2102	114	25	price	price	NOUN
ajssms-2102	114	26	for	for	ADP
ajssms-2102	114	27	risk	risk	NOUN
ajssms-2102	114	28	and	and	CCONJ
ajssms-2102	114	29	appropriate	appropriate	ADJ
ajssms-2102	114	30	risk	risk	NOUN
ajssms-2102	114	31	measure	measure	NOUN
ajssms-2102	114	32	for	for	ADP
ajssms-2102	114	33	a	a	DET
ajssms-2102	114	34	single	single	ADJ
ajssms-2102	114	35	asset	asset	NOUN
ajssms-2102	114	36	.	.	PUNCT
ajssms-2102	115	1	2.6	2.6	NUM
ajssms-2102	115	2	.	.	PUNCT
ajssms-2102	116	1	empirical	empirical	ADJ
ajssms-2102	116	2	framework	framework	NOUN
ajssms-2102	116	3	several	several	ADJ
ajssms-2102	116	4	studies	study	NOUN
ajssms-2102	116	5	,	,	PUNCT
ajssms-2102	116	6	yegon	yegon	PROPN
ajssms-2102	116	7	(	(	PUNCT
ajssms-2102	116	8	2015	2015	NUM
ajssms-2102	116	9	)	)	PUNCT
ajssms-2102	116	10	studied	study	VERB
ajssms-2102	116	11	the	the	DET
ajssms-2102	116	12	effect	effect	NOUN
ajssms-2102	116	13	of	of	ADP
ajssms-2102	116	14	erm	erm	PROPN
ajssms-2102	116	15	determinants	determinant	NOUN
ajssms-2102	116	16	on	on	ADP
ajssms-2102	116	17	financial	financial	ADJ
ajssms-2102	116	18	performance	performance	NOUN
ajssms-2102	116	19	of	of	ADP
ajssms-2102	116	20	nse	nse	NOUN
ajssms-2102	116	21	listed	list	VERB
ajssms-2102	116	22	firms	firm	NOUN
ajssms-2102	116	23	in	in	ADP
ajssms-2102	116	24	kenya	kenya	PROPN
ajssms-2102	116	25	.	.	PUNCT
ajssms-2102	117	1	similarly	similarly	ADV
ajssms-2102	117	2	,	,	PUNCT
ajssms-2102	117	3	nyagah	nyagah	PROPN
ajssms-2102	117	4	(	(	PUNCT
ajssms-2102	117	5	2014	2014	NUM
ajssms-2102	117	6	)	)	PUNCT
ajssms-2102	117	7	undertook	undertake	VERB
ajssms-2102	117	8	the	the	DET
ajssms-2102	117	9	study	study	NOUN
ajssms-2102	117	10	on	on	ADP
ajssms-2102	117	11	the	the	DET
ajssms-2102	117	12	effect	effect	NOUN
ajssms-2102	117	13	of	of	ADP
ajssms-2102	117	14	enterprise	enterprise	NOUN
ajssms-2102	117	15	risk	risk	NOUN
ajssms-2102	117	16	management	management	NOUN
ajssms-2102	117	17	on	on	ADP
ajssms-2102	117	18	financial	financial	ADJ
ajssms-2102	117	19	performance	performance	NOUN
ajssms-2102	117	20	of	of	ADP
ajssms-2102	117	21	pension	pension	NOUN
ajssms-2102	117	22	fund	fund	NOUN
ajssms-2102	117	23	management	management	NOUN
ajssms-2102	117	24	in	in	ADP
ajssms-2102	117	25	kenya	kenya	PROPN
ajssms-2102	117	26	.	.	PUNCT
ajssms-2102	118	1	both	both	DET
ajssms-2102	118	2	studies	study	NOUN
ajssms-2102	118	3	uncovered	uncover	VERB
ajssms-2102	118	4	that	that	SCONJ
ajssms-2102	118	5	there	there	PRON
ajssms-2102	118	6	is	be	VERB
ajssms-2102	118	7	a	a	DET
ajssms-2102	118	8	positive	positive	ADJ
ajssms-2102	118	9	relationship	relationship	NOUN
ajssms-2102	118	10	between	between	ADP
ajssms-2102	118	11	the	the	DET
ajssms-2102	118	12	adoption	adoption	NOUN
ajssms-2102	118	13	of	of	ADP
ajssms-2102	118	14	risk	risk	NOUN
ajssms-2102	118	15	management	management	NOUN
ajssms-2102	118	16	practices	practice	NOUN
ajssms-2102	118	17	and	and	CCONJ
ajssms-2102	118	18	the	the	DET
ajssms-2102	118	19	financial	financial	ADJ
ajssms-2102	118	20	performance	performance	NOUN
ajssms-2102	118	21	in	in	ADP
ajssms-2102	118	22	kenya	kenya	PROPN
ajssms-2102	118	23	.	.	PUNCT
ajssms-2102	119	1	in	in	ADP
ajssms-2102	119	2	addition	addition	NOUN
ajssms-2102	119	3	,	,	PUNCT
ajssms-2102	119	4	carried	carry	VERB
ajssms-2102	119	5	out	out	ADP
ajssms-2102	119	6	a	a	DET
ajssms-2102	119	7	study	study	NOUN
ajssms-2102	119	8	on	on	ADP
ajssms-2102	119	9	the	the	DET
ajssms-2102	119	10	relationship	relationship	NOUN
ajssms-2102	119	11	between	between	ADP
ajssms-2102	119	12	a	a	DET
ajssms-2102	119	13	successful	successful	ADJ
ajssms-2102	119	14	enterprise	enterprise	NOUN
ajssms-2102	119	15	risk	risk	NOUN
ajssms-2102	119	16	management	management	NOUN
ajssms-2102	119	17	system	system	NOUN
ajssms-2102	119	18	,	,	PUNCT
ajssms-2102	119	19	a	a	DET
ajssms-2102	119	20	performance	performance	NOUN
ajssms-2102	119	21	measurement	measurement	NOUN
ajssms-2102	119	22	system	system	NOUN
ajssms-2102	119	23	and	and	CCONJ
ajssms-2102	119	24	the	the	DET
ajssms-2102	119	25	financial	financial	ADJ
ajssms-2102	119	26	performance	performance	NOUN
ajssms-2102	119	27	of	of	ADP
ajssms-2102	119	28	thai	thai	ADJ
ajssms-2102	119	29	listed	list	VERB
ajssms-2102	119	30	companies	company	NOUN
ajssms-2102	119	31	.	.	PUNCT
ajssms-2102	120	1	the	the	DET
ajssms-2102	120	2	findings	finding	NOUN
ajssms-2102	120	3	evidenced	evidence	VERB
ajssms-2102	120	4	that	that	SCONJ
ajssms-2102	120	5	financial	financial	ADJ
ajssms-2102	120	6	success	success	NOUN
ajssms-2102	120	7	seem	seem	VERB
ajssms-2102	120	8	to	to	PART
ajssms-2102	120	9	have	have	VERB
ajssms-2102	120	10	moderate	moderate	ADJ
ajssms-2102	120	11	correlation	correlation	NOUN
ajssms-2102	120	12	as	as	ADP
ajssms-2102	120	13	firms	firm	NOUN
ajssms-2102	120	14	that	that	PRON
ajssms-2102	120	15	successfully	successfully	ADV
ajssms-2102	120	16	implement	implement	VERB
ajssms-2102	120	17	an	an	DET
ajssms-2102	120	18	erms	erm	NOUN
ajssms-2102	120	19	are	be	AUX
ajssms-2102	120	20	apparently	apparently	ADV
ajssms-2102	120	21	also	also	ADV
ajssms-2102	120	22	successful	successful	ADJ
ajssms-2102	120	23	in	in	ADP
ajssms-2102	120	24	implementing	implement	VERB
ajssms-2102	120	25	a	a	DET
ajssms-2102	120	26	pms	pm	NOUN
ajssms-2102	120	27	.	.	PUNCT
ajssms-2102	121	1	finally	finally	ADV
ajssms-2102	121	2	,	,	PUNCT
ajssms-2102	121	3	muteti	muteti	PROPN
ajssms-2102	121	4	(	(	PUNCT
ajssms-2102	121	5	2014	2014	NUM
ajssms-2102	121	6	)	)	PUNCT
ajssms-2102	121	7	conducted	conduct	VERB
ajssms-2102	121	8	a	a	DET
ajssms-2102	121	9	study	study	NOUN
ajssms-2102	121	10	on	on	ADP
ajssms-2102	121	11	the	the	DET
ajssms-2102	121	12	relationship	relationship	NOUN
ajssms-2102	121	13	between	between	ADP
ajssms-2102	121	14	financial	financial	ADJ
ajssms-2102	121	15	risk	risk	NOUN
ajssms-2102	121	16	administration	administration	NOUN
ajssms-2102	121	17	and	and	CCONJ
ajssms-2102	121	18	financial	financial	ADJ
ajssms-2102	121	19	performance	performance	NOUN
ajssms-2102	121	20	of	of	ADP
ajssms-2102	121	21	kenyan	kenyan	ADJ
ajssms-2102	121	22	business	business	NOUN
ajssms-2102	121	23	banks	bank	NOUN
ajssms-2102	121	24	.	.	PUNCT
ajssms-2102	122	1	the	the	DET
ajssms-2102	122	2	study	study	NOUN
ajssms-2102	122	3	revealed	reveal	VERB
ajssms-2102	122	4	that	that	SCONJ
ajssms-2102	122	5	credit	credit	NOUN
ajssms-2102	122	6	risk	risk	NOUN
ajssms-2102	122	7	,	,	PUNCT
ajssms-2102	122	8	interest	interest	NOUN
ajssms-2102	122	9	rate	rate	NOUN
ajssms-2102	122	10	risk	risk	NOUN
ajssms-2102	122	11	,	,	PUNCT
ajssms-2102	122	12	foreign	foreign	ADJ
ajssms-2102	122	13	exchange	exchange	NOUN
ajssms-2102	122	14	risk	risk	NOUN
ajssms-2102	122	15	,	,	PUNCT
ajssms-2102	122	16	liquidity	liquidity	NOUN
ajssms-2102	122	17	risk	risk	NOUN
ajssms-2102	122	18	,	,	PUNCT
ajssms-2102	122	19	capital	capital	NOUN
ajssms-2102	122	20	management	management	NOUN
ajssms-2102	122	21	risk	risk	NOUN
ajssms-2102	122	22	,	,	PUNCT
ajssms-2102	122	23	bank	bank	NOUN
ajssms-2102	122	24	deposits	deposit	NOUN
ajssms-2102	122	25	and	and	CCONJ
ajssms-2102	122	26	bank	bank	NOUN
ajssms-2102	122	27	size	size	NOUN
ajssms-2102	122	28	were	be	AUX
ajssms-2102	122	29	significantly	significantly	ADV
ajssms-2102	122	30	influencing	influence	VERB
ajssms-2102	122	31	financial	financial	ADJ
ajssms-2102	122	32	performance	performance	NOUN
ajssms-2102	122	33	of	of	ADP
ajssms-2102	122	34	kenyan	kenyan	ADJ
ajssms-2102	122	35	business	business	NOUN
ajssms-2102	122	36	banks	bank	NOUN
ajssms-2102	122	37	.	.	PUNCT
ajssms-2102	123	1	other	other	ADJ
ajssms-2102	123	2	empirical	empirical	ADJ
ajssms-2102	123	3	studies	study	NOUN
ajssms-2102	123	4	include	include	VERB
ajssms-2102	123	5	,	,	PUNCT
ajssms-2102	123	6	(	(	PUNCT
ajssms-2102	123	7	j.	j.	PROPN
ajssms-2102	123	8	beasley	beasley	PROPN
ajssms-2102	123	9	,	,	PUNCT
ajssms-2102	123	10	barron	barron	PROPN
ajssms-2102	123	11	,	,	PUNCT
ajssms-2102	123	12	burnside	burnside	PROPN
ajssms-2102	123	13	,	,	PUNCT
ajssms-2102	123	14	hamatake	hamatake	NOUN
ajssms-2102	123	15	,	,	PUNCT
ajssms-2102	123	16	&	&	CCONJ
ajssms-2102	123	17	powers	power	NOUN
ajssms-2102	123	18	,	,	PUNCT
ajssms-2102	123	19	2005	2005	NUM
ajssms-2102	123	20	;	;	PUNCT
ajssms-2102	123	21	chris	chris	PROPN
ajssms-2102	123	22	&	&	CCONJ
ajssms-2102	123	23	orok	orok	PROPN
ajssms-2102	123	24	,	,	PUNCT
ajssms-2102	123	25	2017	2017	NUM
ajssms-2102	123	26	)	)	PUNCT
ajssms-2102	123	27	.	.	PUNCT
ajssms-2102	124	1	in	in	ADP
ajssms-2102	124	2	conclusion	conclusion	NOUN
ajssms-2102	124	3	,	,	PUNCT
ajssms-2102	124	4	studies	study	NOUN
ajssms-2102	124	5	pertaining	pertain	VERB
ajssms-2102	124	6	to	to	ADP
ajssms-2102	124	7	enterprise	enterprise	NOUN
ajssms-2102	124	8	risk	risk	NOUN
ajssms-2102	124	9	management	management	NOUN
ajssms-2102	124	10	and	and	CCONJ
ajssms-2102	124	11	sustainability	sustainability	NOUN
ajssms-2102	124	12	of	of	ADP
ajssms-2102	124	13	deposit	deposit	NOUN
ajssms-2102	124	14	money	money	NOUN
ajssms-2102	124	15	banks	bank	NOUN
ajssms-2102	124	16	in	in	ADP
ajssms-2102	124	17	nigeria	nigeria	PROPN
ajssms-2102	124	18	are	be	AUX
ajssms-2102	124	19	limited	limit	VERB
ajssms-2102	124	20	,	,	PUNCT
ajssms-2102	124	21	with	with	ADP
ajssms-2102	124	22	numerous	numerous	ADJ
ajssms-2102	124	23	research	research	NOUN
ajssms-2102	124	24	uncovering	uncover	VERB
ajssms-2102	124	25	enterprise	enterprise	NOUN
ajssms-2102	124	26	risk	risk	NOUN
ajssms-2102	124	27	management	management	NOUN
ajssms-2102	124	28	and	and	CCONJ
ajssms-2102	124	29	financial	financial	ADJ
ajssms-2102	124	30	performance	performance	NOUN
ajssms-2102	124	31	of	of	ADP
ajssms-2102	124	32	banks	bank	NOUN
ajssms-2102	124	33	(	(	PUNCT
ajssms-2102	124	34	muteti	muteti	PROPN
ajssms-2102	124	35	,	,	PUNCT
ajssms-2102	124	36	2014	2014	NUM
ajssms-2102	124	37	;	;	PUNCT
ajssms-2102	124	38	nyagah	nyagah	PROPN
ajssms-2102	124	39	,	,	PUNCT
ajssms-2102	124	40	2014	2014	NUM
ajssms-2102	124	41	;	;	PUNCT
ajssms-2102	124	42	yegon	yegon	PROPN
ajssms-2102	124	43	,	,	PUNCT
ajssms-2102	124	44	2015	2015	NUM
ajssms-2102	124	45	)	)	PUNCT
ajssms-2102	124	46	.	.	PUNCT
ajssms-2102	125	1	however	however	ADV
ajssms-2102	125	2	,	,	PUNCT
ajssms-2102	125	3	none	none	NOUN
ajssms-2102	125	4	of	of	ADP
ajssms-2102	125	5	these	these	DET
ajssms-2102	125	6	studies	study	NOUN
ajssms-2102	125	7	examined	examine	VERB
ajssms-2102	125	8	enterprise	enterprise	NOUN
ajssms-2102	125	9	risk	risk	NOUN
ajssms-2102	125	10	management	management	NOUN
ajssms-2102	125	11	on	on	ADP
ajssms-2102	125	12	sustainability	sustainability	NOUN
ajssms-2102	125	13	and	and	CCONJ
ajssms-2102	125	14	survival	survival	NOUN
ajssms-2102	125	15	of	of	ADP
ajssms-2102	125	16	banks	bank	NOUN
ajssms-2102	125	17	in	in	ADP
ajssms-2102	125	18	nigeria	nigeria	PROPN
ajssms-2102	125	19	,	,	PUNCT
ajssms-2102	125	20	adopting	adopt	VERB
ajssms-2102	125	21	financial	financial	ADJ
ajssms-2102	125	22	sustainability	sustainability	NOUN
ajssms-2102	125	23	models	model	NOUN
ajssms-2102	125	24	developed	develop	VERB
ajssms-2102	125	25	by	by	ADP
ajssms-2102	125	26	león	león	NOUN
ajssms-2102	125	27	(	(	PUNCT
ajssms-2102	125	28	2001	2001	NUM
ajssms-2102	125	29	)	)	PUNCT
ajssms-2102	125	30	.	.	PUNCT
ajssms-2102	126	1	in	in	ADP
ajssms-2102	126	2	the	the	DET
ajssms-2102	126	3	same	same	ADJ
ajssms-2102	126	4	vein	vein	NOUN
ajssms-2102	126	5	,	,	PUNCT
ajssms-2102	126	6	none	none	NOUN
ajssms-2102	126	7	of	of	ADP
ajssms-2102	126	8	these	these	DET
ajssms-2102	126	9	author	author	NOUN
ajssms-2102	126	10	conducted	conduct	VERB
ajssms-2102	126	11	research	research	NOUN
ajssms-2102	126	12	on	on	ADP
ajssms-2102	126	13	the	the	DET
ajssms-2102	126	14	sustainability	sustainability	NOUN
ajssms-2102	126	15	and	and	CCONJ
ajssms-2102	126	16	survival	survival	NOUN
ajssms-2102	126	17	of	of	ADP
ajssms-2102	126	18	significantly	significantly	ADV
ajssms-2102	126	19	sized	sized	ADJ
ajssms-2102	126	20	deposit	deposit	NOUN
ajssms-2102	126	21	money	money	NOUN
ajssms-2102	126	22	banks	bank	NOUN
ajssms-2102	126	23	in	in	ADP
ajssms-2102	126	24	north	north	NOUN
ajssms-2102	126	25	central	central	ADJ
ajssms-2102	126	26	and	and	CCONJ
ajssms-2102	126	27	nigeria	nigeria	PROPN
ajssms-2102	126	28	in	in	ADP
ajssms-2102	126	29	general	general	ADJ
ajssms-2102	126	30	.	.	PUNCT
ajssms-2102	127	1	3	3	X
ajssms-2102	127	2	.	.	X
ajssms-2102	127	3	methodological	methodological	ADJ
ajssms-2102	127	4	framework	framework	NOUN
ajssms-2102	127	5	survey	survey	NOUN
ajssms-2102	127	6	research	research	NOUN
ajssms-2102	127	7	design	design	NOUN
ajssms-2102	127	8	was	be	AUX
ajssms-2102	127	9	adopted	adopt	VERB
ajssms-2102	127	10	for	for	ADP
ajssms-2102	127	11	this	this	DET
ajssms-2102	127	12	study	study	NOUN
ajssms-2102	127	13	and	and	CCONJ
ajssms-2102	127	14	primary	primary	ADJ
ajssms-2102	127	15	source	source	NOUN
ajssms-2102	127	16	of	of	ADP
ajssms-2102	127	17	data	datum	NOUN
ajssms-2102	127	18	was	be	AUX
ajssms-2102	127	19	utilized	utilize	VERB
ajssms-2102	127	20	for	for	ADP
ajssms-2102	127	21	the	the	DET
ajssms-2102	127	22	empirical	empirical	ADJ
ajssms-2102	127	23	section	section	NOUN
ajssms-2102	127	24	of	of	ADP
ajssms-2102	127	25	the	the	DET
ajssms-2102	127	26	research	research	NOUN
ajssms-2102	127	27	.	.	PUNCT
ajssms-2102	128	1	the	the	DET
ajssms-2102	128	2	targeted	target	VERB
ajssms-2102	128	3	population	population	NOUN
ajssms-2102	128	4	of	of	ADP
ajssms-2102	128	5	this	this	DET
ajssms-2102	128	6	study	study	NOUN
ajssms-2102	128	7	consist	consist	NOUN
ajssms-2102	128	8	of	of	ADP
ajssms-2102	128	9	credit	credit	NOUN
ajssms-2102	128	10	risk	risk	NOUN
ajssms-2102	128	11	managers	manager	NOUN
ajssms-2102	128	12	and	and	CCONJ
ajssms-2102	128	13	operational	operational	ADJ
ajssms-2102	128	14	risk	risk	NOUN
ajssms-2102	128	15	managers	manager	NOUN
ajssms-2102	128	16	at	at	ADP
ajssms-2102	128	17	all	all	DET
ajssms-2102	128	18	the	the	DET
ajssms-2102	128	19	deposit	deposit	NOUN
ajssms-2102	128	20	money	money	NOUN
ajssms-2102	128	21	banks	bank	NOUN
ajssms-2102	128	22	in	in	ADP
ajssms-2102	128	23	plateau	plateau	PROPN
ajssms-2102	128	24	state	state	NOUN
ajssms-2102	128	25	,	,	PUNCT
ajssms-2102	128	26	north	north	NOUN
ajssms-2102	128	27	central	central	PROPN
ajssms-2102	128	28	nigeria	nigeria	PROPN
ajssms-2102	128	29	.	.	PUNCT
ajssms-2102	129	1	sampling	sample	VERB
ajssms-2102	129	2	framework	framework	NOUN
ajssms-2102	129	3	comprises	comprise	NOUN
ajssms-2102	129	4	of	of	ADP
ajssms-2102	129	5	a	a	DET
ajssms-2102	129	6	non	non	ADJ
ajssms-2102	129	7	-	-	ADJ
ajssms-2102	129	8	probability	probability	ADJ
ajssms-2102	129	9	judgement	judgement	NOUN
ajssms-2102	129	10	sample	sample	NOUN
ajssms-2102	129	11	of	of	ADP
ajssms-2102	129	12	all	all	DET
ajssms-2102	129	13	16	16	NUM
ajssms-2102	129	14	deposit	deposit	NOUN
ajssms-2102	129	15	money	money	NOUN
ajssms-2102	129	16	banks	bank	NOUN
ajssms-2102	129	17	in	in	ADP
ajssms-2102	129	18	jos	jos	PROPN
ajssms-2102	129	19	metropolis	metropolis	PROPN
ajssms-2102	129	20	.	.	PUNCT
ajssms-2102	130	1	the	the	DET
ajssms-2102	130	2	rationale	rationale	NOUN
ajssms-2102	130	3	for	for	ADP
ajssms-2102	130	4	this	this	PRON
ajssms-2102	130	5	;	;	PUNCT
ajssms-2102	130	6	was	be	AUX
ajssms-2102	130	7	due	due	ADJ
ajssms-2102	130	8	to	to	ADP
ajssms-2102	130	9	the	the	DET
ajssms-2102	130	10	close	close	ADJ
ajssms-2102	130	11	geographic	geographic	ADJ
ajssms-2102	130	12	proximity	proximity	NOUN
ajssms-2102	130	13	,	,	PUNCT
ajssms-2102	130	14	to	to	PART
ajssms-2102	130	15	ensure	ensure	VERB
ajssms-2102	130	16	good	good	ADJ
ajssms-2102	130	17	coverage	coverage	NOUN
ajssms-2102	130	18	and	and	CCONJ
ajssms-2102	130	19	avoid	avoid	VERB
ajssms-2102	130	20	bias	bias	NOUN
ajssms-2102	130	21	selection	selection	NOUN
ajssms-2102	130	22	so	so	SCONJ
ajssms-2102	130	23	as	as	SCONJ
ajssms-2102	130	24	to	to	PART
ajssms-2102	130	25	give	give	VERB
ajssms-2102	130	26	a	a	DET
ajssms-2102	130	27	fair	fair	ADJ
ajssms-2102	130	28	representation	representation	NOUN
ajssms-2102	130	29	of	of	ADP
ajssms-2102	130	30	the	the	DET
ajssms-2102	130	31	target	target	NOUN
ajssms-2102	130	32	population	population	NOUN
ajssms-2102	130	33	since	since	SCONJ
ajssms-2102	130	34	the	the	DET
ajssms-2102	130	35	above	above	ADJ
ajssms-2102	130	36	mentioned	mention	VERB
ajssms-2102	130	37	managers	manager	NOUN
ajssms-2102	130	38	are	be	AUX
ajssms-2102	130	39	fully	fully	ADV
ajssms-2102	130	40	involved	involve	VERB
ajssms-2102	130	41	in	in	ADP
ajssms-2102	130	42	management	management	NOUN
ajssms-2102	130	43	of	of	ADP
ajssms-2102	130	44	bank	bank	NOUN
ajssms-2102	130	45	risk	risk	NOUN
ajssms-2102	130	46	.	.	PUNCT
ajssms-2102	131	1	for	for	ADP
ajssms-2102	131	2	a	a	DET
ajssms-2102	131	3	good	good	ADJ
ajssms-2102	131	4	representative	representative	ADJ
ajssms-2102	131	5	sample	sample	NOUN
ajssms-2102	131	6	,	,	PUNCT
ajssms-2102	131	7	a	a	DET
ajssms-2102	131	8	convenient	convenient	ADJ
ajssms-2102	131	9	sample	sample	NOUN
ajssms-2102	131	10	size	size	NOUN
ajssms-2102	131	11	of	of	ADP
ajssms-2102	131	12	111	111	NUM
ajssms-2102	131	13	participants	participant	NOUN
ajssms-2102	131	14	.	.	PUNCT
ajssms-2102	132	1	a	a	DET
ajssms-2102	132	2	re	re	ADJ
ajssms-2102	132	3	-	-	VERB
ajssms-2102	132	4	validated	validated	ADJ
ajssms-2102	132	5	5	5	NUM
ajssms-2102	132	6	points	point	NOUN
ajssms-2102	132	7	likert	likert	ADJ
ajssms-2102	132	8	scale	scale	NOUN
ajssms-2102	132	9	,	,	PUNCT
ajssms-2102	132	10	ranging	range	VERB
ajssms-2102	132	11	from	from	ADP
ajssms-2102	132	12	strongly	strongly	ADV
ajssms-2102	132	13	disagree	disagree	VERB
ajssms-2102	132	14	(	(	PUNCT
ajssms-2102	132	15	1	1	NUM
ajssms-2102	132	16	)	)	PUNCT
ajssms-2102	132	17	to	to	PART
ajssms-2102	132	18	strongly	strongly	ADV
ajssms-2102	132	19	agree	agree	VERB
ajssms-2102	132	20	(	(	PUNCT
ajssms-2102	132	21	5	5	NUM
ajssms-2102	132	22	)	)	PUNCT
ajssms-2102	132	23	questionnaire	questionnaire	NOUN
ajssms-2102	132	24	was	be	AUX
ajssms-2102	132	25	utilized	utilize	VERB
ajssms-2102	132	26	to	to	PART
ajssms-2102	132	27	mobilize	mobilize	VERB
ajssms-2102	132	28	the	the	DET
ajssms-2102	132	29	required	require	VERB
ajssms-2102	132	30	data	datum	NOUN
ajssms-2102	132	31	for	for	ADP
ajssms-2102	132	32	this	this	DET
ajssms-2102	132	33	study	study	NOUN
ajssms-2102	132	34	.	.	PUNCT
ajssms-2102	133	1	the	the	DET
ajssms-2102	133	2	rationale	rationale	NOUN
ajssms-2102	133	3	for	for	ADP
ajssms-2102	133	4	issue	issue	NOUN
ajssms-2102	133	5	of	of	ADP
ajssms-2102	133	6	111	111	NUM
ajssms-2102	133	7	questionnaires	questionnaire	NOUN
ajssms-2102	133	8	is	be	AUX
ajssms-2102	133	9	because	because	SCONJ
ajssms-2102	133	10	questionnaires	questionnaire	NOUN
ajssms-2102	133	11	were	be	AUX
ajssms-2102	133	12	filled	fill	VERB
ajssms-2102	133	13	by	by	ADP
ajssms-2102	133	14	the	the	DET
ajssms-2102	133	15	target	target	NOUN
ajssms-2102	133	16	population	population	NOUN
ajssms-2102	133	17	(	(	PUNCT
ajssms-2102	133	18	credit	credit	NOUN
ajssms-2102	133	19	risk	risk	NOUN
ajssms-2102	133	20	managers	manager	NOUN
ajssms-2102	133	21	and	and	CCONJ
ajssms-2102	133	22	operational	operational	ADJ
ajssms-2102	133	23	risk	risk	NOUN
ajssms-2102	133	24	managers	manager	NOUN
ajssms-2102	133	25	)	)	PUNCT
ajssms-2102	133	26	who	who	PRON
ajssms-2102	133	27	are	be	AUX
ajssms-2102	133	28	presumed	presume	VERB
ajssms-2102	133	29	to	to	PART
ajssms-2102	133	30	be	be	AUX
ajssms-2102	133	31	very	very	ADV
ajssms-2102	133	32	few	few	ADJ
ajssms-2102	133	33	in	in	ADP
ajssms-2102	133	34	each	each	DET
ajssms-2102	133	35	branch	branch	NOUN
ajssms-2102	133	36	of	of	ADP
ajssms-2102	133	37	the	the	DET
ajssms-2102	133	38	bank	bank	NOUN
ajssms-2102	133	39	.	.	PUNCT
ajssms-2102	134	1	the	the	DET
ajssms-2102	134	2	use	use	NOUN
ajssms-2102	134	3	of	of	ADP
ajssms-2102	134	4	questionnaires	questionnaire	NOUN
ajssms-2102	134	5	as	as	ADP
ajssms-2102	134	6	a	a	DET
ajssms-2102	134	7	source	source	NOUN
ajssms-2102	134	8	of	of	ADP
ajssms-2102	134	9	data	datum	NOUN
ajssms-2102	134	10	collection	collection	NOUN
ajssms-2102	134	11	is	be	AUX
ajssms-2102	134	12	justified	justify	VERB
ajssms-2102	134	13	in	in	ADP
ajssms-2102	134	14	that	that	PRON
ajssms-2102	134	15	:	:	PUNCT
ajssms-2102	134	16	first	first	ADV
ajssms-2102	134	17	,	,	PUNCT
ajssms-2102	134	18	the	the	DET
ajssms-2102	134	19	nature	nature	NOUN
ajssms-2102	134	20	of	of	ADP
ajssms-2102	134	21	the	the	DET
ajssms-2102	134	22	research	research	NOUN
ajssms-2102	134	23	hypotheses	hypothesis	NOUN
ajssms-2102	134	24	demands	demand	VERB
ajssms-2102	134	25	the	the	DET
ajssms-2102	134	26	collection	collection	NOUN
ajssms-2102	134	27	of	of	ADP
ajssms-2102	134	28	data	datum	NOUN
ajssms-2102	134	29	that	that	PRON
ajssms-2102	134	30	is	be	AUX
ajssms-2102	134	31	not	not	PART
ajssms-2102	134	32	coded	code	VERB
ajssms-2102	134	33	already	already	ADV
ajssms-2102	134	34	on	on	ADP
ajssms-2102	134	35	secondary	secondary	ADJ
ajssms-2102	134	36	sources	source	NOUN
ajssms-2102	134	37	.	.	PUNCT
ajssms-2102	135	1	secondly	secondly	ADV
ajssms-2102	135	2	,	,	PUNCT
ajssms-2102	135	3	the	the	DET
ajssms-2102	135	4	questionnaire	questionnaire	NOUN
ajssms-2102	135	5	method	method	NOUN
ajssms-2102	135	6	of	of	ADP
ajssms-2102	135	7	data	datum	NOUN
ajssms-2102	135	8	collection	collection	NOUN
ajssms-2102	135	9	has	have	VERB
ajssms-2102	135	10	advantage	advantage	NOUN
ajssms-2102	135	11	of	of	ADP
ajssms-2102	135	12	simplicity	simplicity	NOUN
ajssms-2102	135	13	,	,	PUNCT
ajssms-2102	135	14	cost	cost	NOUN
ajssms-2102	135	15	effective	effective	ADJ
ajssms-2102	135	16	and	and	CCONJ
ajssms-2102	135	17	time	time	NOUN
ajssms-2102	135	18	efficient	efficient	ADJ
ajssms-2102	135	19	.	.	PUNCT
ajssms-2102	136	1	credit	credit	NOUN
ajssms-2102	136	2	risk	risk	NOUN
ajssms-2102	136	3	managers	manager	NOUN
ajssms-2102	136	4	and	and	CCONJ
ajssms-2102	136	5	operational	operational	ADJ
ajssms-2102	136	6	risk	risk	NOUN
ajssms-2102	136	7	managers	manager	NOUN
ajssms-2102	136	8	were	be	AUX
ajssms-2102	136	9	requested	request	VERB
ajssms-2102	136	10	to	to	PART
ajssms-2102	136	11	complete	complete	VERB
ajssms-2102	136	12	a	a	DET
ajssms-2102	136	13	questionnaire	questionnaire	NOUN
ajssms-2102	136	14	consisting	consist	VERB
ajssms-2102	136	15	of	of	ADP
ajssms-2102	136	16	three	three	NUM
ajssms-2102	136	17	sections	section	NOUN
ajssms-2102	136	18	.	.	PUNCT
ajssms-2102	137	1	asian	asian	ADJ
ajssms-2102	137	2	journal	journal	PROPN
ajssms-2102	137	3	of	of	ADP
ajssms-2102	137	4	social	social	ADJ
ajssms-2102	137	5	sciences	sciences	PROPN
ajssms-2102	137	6	and	and	CCONJ
ajssms-2102	137	7	management	management	NOUN
ajssms-2102	137	8	studies	study	NOUN
ajssms-2102	137	9	,	,	PUNCT
ajssms-2102	137	10	2020	2020	NUM
ajssms-2102	137	11	,	,	PUNCT
ajssms-2102	137	12	7(3	7(3	NUM
ajssms-2102	137	13	):	):	PUNCT
ajssms-2102	137	14	250	250	NUM
ajssms-2102	137	15	-	-	SYM
ajssms-2102	137	16	257	257	NUM
ajssms-2102	137	17	254	254	NUM
ajssms-2102	137	18	©	©	ADP
ajssms-2102	137	19	2020	2020	NUM
ajssms-2102	137	20	by	by	ADP
ajssms-2102	137	21	the	the	DET
ajssms-2102	137	22	authors	author	NOUN
ajssms-2102	137	23	;	;	PUNCT
ajssms-2102	137	24	licensee	licensee	PROPN
ajssms-2102	137	25	asian	asian	ADJ
ajssms-2102	137	26	online	online	PROPN
ajssms-2102	137	27	journal	journal	PROPN
ajssms-2102	137	28	publishing	publishing	NOUN
ajssms-2102	137	29	group	group	NOUN
ajssms-2102	137	30	section	section	NOUN
ajssms-2102	137	31	(	(	PUNCT
ajssms-2102	137	32	a	a	NOUN
ajssms-2102	137	33	)	)	PUNCT
ajssms-2102	137	34	was	be	AUX
ajssms-2102	137	35	structured	structure	VERB
ajssms-2102	137	36	to	to	PART
ajssms-2102	137	37	amass	amass	VERB
ajssms-2102	137	38	demographic	demographic	ADJ
ajssms-2102	137	39	data	datum	NOUN
ajssms-2102	137	40	.	.	PUNCT
ajssms-2102	138	1	while	while	SCONJ
ajssms-2102	138	2	section	section	NOUN
ajssms-2102	138	3	(	(	PUNCT
ajssms-2102	138	4	b	b	NOUN
ajssms-2102	138	5	)	)	PUNCT
ajssms-2102	138	6	was	be	AUX
ajssms-2102	138	7	patterned	pattern	VERB
ajssms-2102	138	8	to	to	PART
ajssms-2102	138	9	gather	gather	VERB
ajssms-2102	138	10	background	background	NOUN
ajssms-2102	138	11	information	information	NOUN
ajssms-2102	138	12	on	on	ADP
ajssms-2102	138	13	enterprise	enterprise	NOUN
ajssms-2102	138	14	risks	risk	NOUN
ajssms-2102	138	15	management	management	NOUN
ajssms-2102	138	16	.	.	PUNCT
ajssms-2102	139	1	the	the	DET
ajssms-2102	139	2	final	final	ADJ
ajssms-2102	139	3	section	section	NOUN
ajssms-2102	139	4	(	(	PUNCT
ajssms-2102	139	5	section	section	NOUN
ajssms-2102	139	6	c	c	PROPN
ajssms-2102	139	7	)	)	PUNCT
ajssms-2102	139	8	of	of	ADP
ajssms-2102	139	9	the	the	DET
ajssms-2102	139	10	questionnaire	questionnaire	NOUN
ajssms-2102	139	11	was	be	AUX
ajssms-2102	139	12	structured	structure	VERB
ajssms-2102	139	13	to	to	PART
ajssms-2102	139	14	collect	collect	VERB
ajssms-2102	139	15	information	information	NOUN
ajssms-2102	139	16	on	on	ADP
ajssms-2102	139	17	the	the	DET
ajssms-2102	139	18	various	various	ADJ
ajssms-2102	139	19	indicators	indicator	NOUN
ajssms-2102	139	20	of	of	ADP
ajssms-2102	139	21	bank	bank	NOUN
ajssms-2102	139	22	sustainability	sustainability	NOUN
ajssms-2102	139	23	and	and	CCONJ
ajssms-2102	139	24	survival.the	survival.the	DET
ajssms-2102	139	25	quantitative	quantitative	ADJ
ajssms-2102	139	26	technique	technique	NOUN
ajssms-2102	139	27	of	of	ADP
ajssms-2102	139	28	data	datum	NOUN
ajssms-2102	139	29	analysis	analysis	NOUN
ajssms-2102	139	30	was	be	AUX
ajssms-2102	139	31	the	the	DET
ajssms-2102	139	32	employed	employ	VERB
ajssms-2102	139	33	to	to	PART
ajssms-2102	139	34	first	first	ADV
ajssms-2102	139	35	describe	describe	VERB
ajssms-2102	139	36	the	the	DET
ajssms-2102	139	37	data	datum	NOUN
ajssms-2102	139	38	.	.	PUNCT
ajssms-2102	140	1	this	this	PRON
ajssms-2102	140	2	was	be	AUX
ajssms-2102	140	3	accompanied	accompany	VERB
ajssms-2102	140	4	by	by	ADP
ajssms-2102	140	5	multiple	multiple	ADJ
ajssms-2102	140	6	regression	regression	NOUN
ajssms-2102	140	7	technique	technique	NOUN
ajssms-2102	140	8	of	of	ADP
ajssms-2102	140	9	analysis	analysis	NOUN
ajssms-2102	140	10	with	with	ADP
ajssms-2102	140	11	aid	aid	NOUN
ajssms-2102	140	12	of	of	ADP
ajssms-2102	140	13	spssv23at	spssv23at	NUM
ajssms-2102	140	14	5	5	NUM
ajssms-2102	140	15	%	%	NOUN
ajssms-2102	140	16	level	level	NOUN
ajssms-2102	140	17	of	of	ADP
ajssms-2102	140	18	significance	significance	NOUN
ajssms-2102	140	19	.	.	PUNCT
ajssms-2102	141	1	4	4	X
ajssms-2102	141	2	.	.	NOUN
ajssms-2102	141	3	result	result	NOUN
ajssms-2102	141	4	and	and	CCONJ
ajssms-2102	141	5	discussion	discussion	NOUN
ajssms-2102	141	6	out	out	ADP
ajssms-2102	141	7	of	of	ADP
ajssms-2102	141	8	the	the	DET
ajssms-2102	141	9	111	111	NUM
ajssms-2102	141	10	questionnaires	questionnaire	NOUN
ajssms-2102	141	11	distributed	distribute	VERB
ajssms-2102	141	12	,	,	PUNCT
ajssms-2102	141	13	all	all	DET
ajssms-2102	141	14	questionnaires	questionnaire	NOUN
ajssms-2102	141	15	were	be	AUX
ajssms-2102	141	16	validly	validly	ADV
ajssms-2102	141	17	filled	fill	VERB
ajssms-2102	141	18	and	and	CCONJ
ajssms-2102	141	19	returned	return	VERB
ajssms-2102	141	20	.	.	PUNCT
ajssms-2102	142	1	a	a	DET
ajssms-2102	142	2	description	description	NOUN
ajssms-2102	142	3	of	of	ADP
ajssms-2102	142	4	the	the	DET
ajssms-2102	142	5	sample	sample	NOUN
ajssms-2102	142	6	’s	’s	PART
ajssms-2102	142	7	demographic	demographic	ADJ
ajssms-2102	142	8	characteristics	characteristic	NOUN
ajssms-2102	142	9	pertaining	pertain	VERB
ajssms-2102	142	10	to	to	ADP
ajssms-2102	142	11	their	their	PRON
ajssms-2102	142	12	gender	gender	NOUN
ajssms-2102	142	13	,	,	PUNCT
ajssms-2102	142	14	age	age	NOUN
ajssms-2102	142	15	,	,	PUNCT
ajssms-2102	142	16	marital	marital	ADJ
ajssms-2102	142	17	status	status	NOUN
ajssms-2102	142	18	,	,	PUNCT
ajssms-2102	142	19	educational	educational	ADJ
ajssms-2102	142	20	qualification	qualification	NOUN
ajssms-2102	142	21	and	and	CCONJ
ajssms-2102	142	22	years	year	NOUN
ajssms-2102	142	23	of	of	ADP
ajssms-2102	142	24	work	work	NOUN
ajssms-2102	142	25	experience	experience	NOUN
ajssms-2102	142	26	follows	follow	VERB
ajssms-2102	142	27	below	below	ADV
ajssms-2102	142	28	;	;	PUNCT
ajssms-2102	142	29	table-1.participants	table-1.participant	NOUN
ajssms-2102	142	30	gender	gender	NOUN
ajssms-2102	142	31	.	.	PUNCT
ajssms-2102	143	1	gender	gender	NOUN
ajssms-2102	143	2	f	f	PROPN
ajssms-2102	143	3	male	male	NOUN
ajssms-2102	143	4	34	34	NUM
ajssms-2102	143	5	female	female	NOUN
ajssms-2102	143	6	77	77	NUM
ajssms-2102	143	7	total	total	ADJ
ajssms-2102	143	8	111	111	NUM
ajssms-2102	143	9	source	source	NOUN
ajssms-2102	143	10	:	:	PUNCT
ajssms-2102	143	11	field	field	NOUN
ajssms-2102	143	12	survey	survey	NOUN
ajssms-2102	143	13	,	,	PUNCT
ajssms-2102	143	14	2019	2019	NUM
ajssms-2102	143	15	.	.	PUNCT
ajssms-2102	144	1	table	table	NOUN
ajssms-2102	144	2	1	1	NUM
ajssms-2102	144	3	showed	show	VERB
ajssms-2102	144	4	that	that	SCONJ
ajssms-2102	144	5	34	34	NUM
ajssms-2102	144	6	and	and	CCONJ
ajssms-2102	144	7	77	77	NUM
ajssms-2102	144	8	of	of	ADP
ajssms-2102	144	9	participants	participant	NOUN
ajssms-2102	144	10	were	be	AUX
ajssms-2102	144	11	males	male	NOUN
ajssms-2102	144	12	and	and	CCONJ
ajssms-2102	144	13	females	female	NOUN
ajssms-2102	144	14	,	,	PUNCT
ajssms-2102	144	15	representing	represent	VERB
ajssms-2102	144	16	31	31	NUM
ajssms-2102	144	17	%	%	NOUN
ajssms-2102	144	18	and	and	CCONJ
ajssms-2102	144	19	69	69	NUM
ajssms-2102	144	20	%	%	NOUN
ajssms-2102	144	21	respectively	respectively	ADV
ajssms-2102	144	22	.	.	PUNCT
ajssms-2102	145	1	this	this	PRON
ajssms-2102	145	2	shows	show	VERB
ajssms-2102	145	3	that	that	SCONJ
ajssms-2102	145	4	fewer	few	ADJ
ajssms-2102	145	5	males	male	NOUN
ajssms-2102	145	6	were	be	AUX
ajssms-2102	145	7	involved	involve	VERB
ajssms-2102	145	8	in	in	ADP
ajssms-2102	145	9	the	the	DET
ajssms-2102	145	10	research	research	NOUN
ajssms-2102	145	11	than	than	ADP
ajssms-2102	145	12	females	female	NOUN
ajssms-2102	145	13	.	.	PUNCT
ajssms-2102	146	1	this	this	PRON
ajssms-2102	146	2	could	could	AUX
ajssms-2102	146	3	be	be	AUX
ajssms-2102	146	4	due	due	ADJ
ajssms-2102	146	5	to	to	ADP
ajssms-2102	146	6	the	the	DET
ajssms-2102	146	7	availability	availability	NOUN
ajssms-2102	146	8	of	of	ADP
ajssms-2102	146	9	females	female	NOUN
ajssms-2102	146	10	in	in	ADP
ajssms-2102	146	11	the	the	DET
ajssms-2102	146	12	study	study	NOUN
ajssms-2102	146	13	areas	area	NOUN
ajssms-2102	146	14	where	where	SCONJ
ajssms-2102	146	15	the	the	DET
ajssms-2102	146	16	questionnaire	questionnaire	NOUN
ajssms-2102	146	17	were	be	AUX
ajssms-2102	146	18	issued	issue	VERB
ajssms-2102	146	19	.	.	PUNCT
ajssms-2102	147	1	note	note	VERB
ajssms-2102	147	2	that	that	SCONJ
ajssms-2102	147	3	the	the	DET
ajssms-2102	147	4	percentages	percentage	NOUN
ajssms-2102	147	5	in	in	ADP
ajssms-2102	147	6	the	the	DET
ajssms-2102	147	7	table	table	NOUN
ajssms-2102	147	8	have	have	AUX
ajssms-2102	147	9	been	be	AUX
ajssms-2102	147	10	rounded	round	VERB
ajssms-2102	147	11	off	off	ADP
ajssms-2102	147	12	.	.	PUNCT
ajssms-2102	148	1	table-2.participants	table-2.participant	VERB
ajssms-2102	148	2	age	age	NOUN
ajssms-2102	148	3	distribution	distribution	NOUN
ajssms-2102	148	4	.	.	PUNCT
ajssms-2102	149	1	age	age	NOUN
ajssms-2102	149	2	f	f	PROPN
ajssms-2102	149	3	1825	1825	NUM
ajssms-2102	149	4	18	18	NUM
ajssms-2102	149	5	26	26	NUM
ajssms-2102	149	6	-	-	SYM
ajssms-2102	149	7	35	35	NUM
ajssms-2102	149	8	57	57	NUM
ajssms-2102	149	9	36	36	NUM
ajssms-2102	149	10	-45	-45	SYM
ajssms-2102	149	11	20	20	NUM
ajssms-2102	149	12	45	45	NUM
ajssms-2102	149	13	-	-	SYM
ajssms-2102	149	14	55	55	NUM
ajssms-2102	149	15	9	9	NUM
ajssms-2102	149	16	56	56	NUM
ajssms-2102	149	17	&	&	CCONJ
ajssms-2102	149	18	above	above	ADP
ajssms-2102	149	19	7	7	NUM
ajssms-2102	149	20	total	total	ADJ
ajssms-2102	149	21	111	111	NUM
ajssms-2102	149	22	source	source	NOUN
ajssms-2102	149	23	:	:	PUNCT
ajssms-2102	149	24	field	field	NOUN
ajssms-2102	149	25	survey	survey	NOUN
ajssms-2102	149	26	,	,	PUNCT
ajssms-2102	149	27	2019	2019	NUM
ajssms-2102	149	28	.	.	PUNCT
ajssms-2102	150	1	the	the	DET
ajssms-2102	150	2	responses	response	NOUN
ajssms-2102	150	3	of	of	ADP
ajssms-2102	150	4	participants	participant	NOUN
ajssms-2102	150	5	based	base	VERB
ajssms-2102	150	6	on	on	ADP
ajssms-2102	150	7	age	age	NOUN
ajssms-2102	150	8	as	as	SCONJ
ajssms-2102	150	9	shown	show	VERB
ajssms-2102	150	10	in	in	ADP
ajssms-2102	150	11	table	table	NOUN
ajssms-2102	150	12	2	2	NUM
ajssms-2102	150	13	indicated	indicate	VERB
ajssms-2102	150	14	that	that	SCONJ
ajssms-2102	150	15	18	18	NUM
ajssms-2102	150	16	of	of	ADP
ajssms-2102	150	17	the	the	DET
ajssms-2102	150	18	respondents	respondent	NOUN
ajssms-2102	150	19	fell	fall	VERB
ajssms-2102	150	20	within	within	ADP
ajssms-2102	150	21	the	the	DET
ajssms-2102	150	22	age	age	NOUN
ajssms-2102	150	23	range	range	NOUN
ajssms-2102	150	24	of	of	ADP
ajssms-2102	150	25	18	18	NUM
ajssms-2102	150	26	-	-	SYM
ajssms-2102	150	27	25	25	NUM
ajssms-2102	150	28	representing	represent	VERB
ajssms-2102	150	29	16	16	NUM
ajssms-2102	150	30	%	%	NOUN
ajssms-2102	150	31	,	,	PUNCT
ajssms-2102	150	32	51	51	NUM
ajssms-2102	150	33	%	%	NOUN
ajssms-2102	150	34	fell	fall	VERB
ajssms-2102	150	35	within	within	ADP
ajssms-2102	150	36	the	the	DET
ajssms-2102	150	37	age	age	NOUN
ajssms-2102	150	38	range	range	NOUN
ajssms-2102	150	39	of	of	ADP
ajssms-2102	150	40	26	26	NUM
ajssms-2102	150	41	-	-	SYM
ajssms-2102	150	42	35	35	NUM
ajssms-2102	150	43	,	,	PUNCT
ajssms-2102	150	44	while	while	SCONJ
ajssms-2102	150	45	those	those	PRON
ajssms-2102	150	46	who	who	PRON
ajssms-2102	150	47	fell	fall	VERB
ajssms-2102	150	48	within	within	ADP
ajssms-2102	150	49	the	the	DET
ajssms-2102	150	50	age	age	NOUN
ajssms-2102	150	51	bracket	bracket	NOUN
ajssms-2102	150	52	of	of	ADP
ajssms-2102	150	53	36	36	NUM
ajssms-2102	150	54	-	-	SYM
ajssms-2102	150	55	45	45	NUM
ajssms-2102	150	56	,	,	PUNCT
ajssms-2102	150	57	46	46	NUM
ajssms-2102	150	58	-	-	SYM
ajssms-2102	150	59	55	55	NUM
ajssms-2102	150	60	and	and	CCONJ
ajssms-2102	150	61	above	above	ADP
ajssms-2102	150	62	55	55	NUM
ajssms-2102	150	63	years	year	NOUN
ajssms-2102	150	64	represented	represent	VERB
ajssms-2102	150	65	18	18	NUM
ajssms-2102	150	66	%	%	NOUN
ajssms-2102	150	67	,	,	PUNCT
ajssms-2102	150	68	and	and	CCONJ
ajssms-2102	150	69	6	6	NUM
ajssms-2102	150	70	%	%	NOUN
ajssms-2102	150	71	respectively	respectively	ADV
ajssms-2102	150	72	.	.	PUNCT
ajssms-2102	151	1	those	those	PRON
ajssms-2102	151	2	who	who	PRON
ajssms-2102	151	3	fell	fall	VERB
ajssms-2102	151	4	within	within	ADP
ajssms-2102	151	5	the	the	DET
ajssms-2102	151	6	age	age	NOUN
ajssms-2102	151	7	bracket	bracket	NOUN
ajssms-2102	151	8	of	of	ADP
ajssms-2102	151	9	26	26	NUM
ajssms-2102	151	10	-	-	SYM
ajssms-2102	151	11	35	35	NUM
ajssms-2102	151	12	are	be	AUX
ajssms-2102	151	13	considered	consider	VERB
ajssms-2102	151	14	more	more	ADJ
ajssms-2102	151	15	in	in	ADP
ajssms-2102	151	16	the	the	DET
ajssms-2102	151	17	study	study	NOUN
ajssms-2102	151	18	area	area	NOUN
ajssms-2102	151	19	than	than	ADP
ajssms-2102	151	20	all	all	DET
ajssms-2102	151	21	other	other	ADJ
ajssms-2102	151	22	age	age	NOUN
ajssms-2102	151	23	range	range	NOUN
ajssms-2102	151	24	.	.	PUNCT
ajssms-2102	152	1	note	note	VERB
ajssms-2102	152	2	that	that	SCONJ
ajssms-2102	152	3	the	the	DET
ajssms-2102	152	4	percentages	percentage	NOUN
ajssms-2102	152	5	in	in	ADP
ajssms-2102	152	6	the	the	DET
ajssms-2102	152	7	table	table	NOUN
ajssms-2102	152	8	have	have	AUX
ajssms-2102	152	9	been	be	AUX
ajssms-2102	152	10	rounded	round	VERB
ajssms-2102	152	11	off	off	ADP
ajssms-2102	152	12	.	.	PUNCT
ajssms-2102	153	1	table-3.participants	table-3.participant	NOUN
ajssms-2102	153	2	marital	marital	ADJ
ajssms-2102	153	3	status	status	NOUN
ajssms-2102	153	4	.	.	PUNCT
ajssms-2102	154	1	marital	marital	ADJ
ajssms-2102	154	2	status	status	NOUN
ajssms-2102	154	3	f	f	PROPN
ajssms-2102	154	4	married	marry	VERB
ajssms-2102	154	5	62	62	NUM
ajssms-2102	154	6	single	single	ADJ
ajssms-2102	154	7	31	31	NUM
ajssms-2102	154	8	divorce	divorce	NOUN
ajssms-2102	154	9	7	7	NUM
ajssms-2102	154	10	widowed	widow	VERB
ajssms-2102	154	11	5	5	NUM
ajssms-2102	154	12	separated	separate	VERB
ajssms-2102	154	13	6	6	NUM
ajssms-2102	154	14	total	total	ADJ
ajssms-2102	154	15	111	111	NUM
ajssms-2102	154	16	source	source	NOUN
ajssms-2102	154	17	:	:	PUNCT
ajssms-2102	154	18	field	field	NOUN
ajssms-2102	154	19	survey	survey	NOUN
ajssms-2102	154	20	,	,	PUNCT
ajssms-2102	154	21	2019	2019	NUM
ajssms-2102	154	22	.	.	PUNCT
ajssms-2102	155	1	table	table	NOUN
ajssms-2102	155	2	3	3	NUM
ajssms-2102	155	3	,	,	PUNCT
ajssms-2102	155	4	the	the	DET
ajssms-2102	155	5	marital	marital	ADJ
ajssms-2102	155	6	status	status	NOUN
ajssms-2102	155	7	of	of	ADP
ajssms-2102	155	8	participants	participant	NOUN
ajssms-2102	155	9	considered	consider	VERB
ajssms-2102	155	10	indicated	indicate	VERB
ajssms-2102	155	11	that	that	SCONJ
ajssms-2102	155	12	62	62	NUM
ajssms-2102	155	13	of	of	ADP
ajssms-2102	155	14	the	the	DET
ajssms-2102	155	15	respondents	respondent	NOUN
ajssms-2102	155	16	were	be	AUX
ajssms-2102	155	17	married	married	ADJ
ajssms-2102	155	18	,	,	PUNCT
ajssms-2102	155	19	31	31	NUM
ajssms-2102	155	20	were	be	AUX
ajssms-2102	155	21	single	single	ADJ
ajssms-2102	155	22	,	,	PUNCT
ajssms-2102	155	23	7	7	NUM
ajssms-2102	155	24	were	be	AUX
ajssms-2102	155	25	divorced	divorce	VERB
ajssms-2102	155	26	,	,	PUNCT
ajssms-2102	155	27	5	5	NUM
ajssms-2102	155	28	were	be	AUX
ajssms-2102	155	29	widowed	widow	VERB
ajssms-2102	155	30	6	6	NUM
ajssms-2102	155	31	was	be	AUX
ajssms-2102	155	32	separated	separate	VERB
ajssms-2102	155	33	.	.	PUNCT
ajssms-2102	156	1	this	this	PRON
ajssms-2102	156	2	represents	represent	VERB
ajssms-2102	156	3	56	56	NUM
ajssms-2102	156	4	%	%	NOUN
ajssms-2102	156	5	,	,	PUNCT
ajssms-2102	156	6	28	28	NUM
ajssms-2102	156	7	%	%	NOUN
ajssms-2102	156	8	,	,	PUNCT
ajssms-2102	156	9	6	6	NUM
ajssms-2102	156	10	%	%	NOUN
ajssms-2102	156	11	,	,	PUNCT
ajssms-2102	156	12	5	5	NUM
ajssms-2102	156	13	%	%	NOUN
ajssms-2102	156	14	and	and	CCONJ
ajssms-2102	156	15	5	5	NUM
ajssms-2102	156	16	%	%	NOUN
ajssms-2102	156	17	respectively	respectively	ADV
ajssms-2102	156	18	.	.	PUNCT
ajssms-2102	157	1	note	note	VERB
ajssms-2102	157	2	that	that	SCONJ
ajssms-2102	157	3	the	the	DET
ajssms-2102	157	4	percentages	percentage	NOUN
ajssms-2102	157	5	in	in	ADP
ajssms-2102	157	6	the	the	DET
ajssms-2102	157	7	table	table	NOUN
ajssms-2102	157	8	have	have	AUX
ajssms-2102	157	9	been	be	AUX
ajssms-2102	157	10	rounded	round	VERB
ajssms-2102	157	11	off	off	ADP
ajssms-2102	157	12	.	.	PUNCT
ajssms-2102	158	1	asian	asian	ADJ
ajssms-2102	158	2	journal	journal	PROPN
ajssms-2102	158	3	of	of	ADP
ajssms-2102	158	4	social	social	ADJ
ajssms-2102	158	5	sciences	sciences	PROPN
ajssms-2102	158	6	and	and	CCONJ
ajssms-2102	158	7	management	management	NOUN
ajssms-2102	158	8	studies	study	NOUN
ajssms-2102	158	9	,	,	PUNCT
ajssms-2102	158	10	2020	2020	NUM
ajssms-2102	158	11	,	,	PUNCT
ajssms-2102	158	12	7(3	7(3	NUM
ajssms-2102	158	13	):	):	PUNCT
ajssms-2102	158	14	250	250	NUM
ajssms-2102	158	15	-	-	SYM
ajssms-2102	158	16	257	257	NUM
ajssms-2102	158	17	255	255	NUM
ajssms-2102	158	18	©	©	PROPN
ajssms-2102	158	19	2020	2020	NUM
ajssms-2102	158	20	by	by	ADP
ajssms-2102	158	21	the	the	DET
ajssms-2102	158	22	authors	author	NOUN
ajssms-2102	158	23	;	;	PUNCT
ajssms-2102	158	24	licensee	licensee	PROPN
ajssms-2102	158	25	asian	asian	ADJ
ajssms-2102	158	26	online	online	PROPN
ajssms-2102	158	27	journal	journal	PROPN
ajssms-2102	158	28	publishing	publishing	NOUN
ajssms-2102	158	29	group	group	NOUN
ajssms-2102	158	30	table-4.participants	table-4.participant	NOUN
ajssms-2102	158	31	educational	educational	ADJ
ajssms-2102	158	32	qualification	qualification	NOUN
ajssms-2102	158	33	.	.	PUNCT
ajssms-2102	159	1	educational	educational	ADJ
ajssms-2102	159	2	qualification	qualification	NOUN
ajssms-2102	159	3	f	f	PROPN
ajssms-2102	159	4	diploma	diploma	NOUN
ajssms-2102	159	5	4	4	NUM
ajssms-2102	159	6	first	first	ADJ
ajssms-2102	159	7	degree	degree	NOUN
ajssms-2102	159	8	40	40	NUM
ajssms-2102	159	9	master	master	NOUN
ajssms-2102	159	10	degree	degree	NOUN
ajssms-2102	159	11	50	50	NUM
ajssms-2102	159	12	others	other	NOUN
ajssms-2102	159	13	17	17	NUM
ajssms-2102	159	14	total	total	ADJ
ajssms-2102	159	15	111	111	NUM
ajssms-2102	159	16	source	source	NOUN
ajssms-2102	159	17	:	:	PUNCT
ajssms-2102	159	18	field	field	NOUN
ajssms-2102	159	19	survey	survey	NOUN
ajssms-2102	159	20	,	,	PUNCT
ajssms-2102	159	21	2019	2019	NUM
ajssms-2102	159	22	.	.	PUNCT
ajssms-2102	159	23	table	table	NOUN
ajssms-2102	159	24	4	4	NUM
ajssms-2102	159	25	,	,	PUNCT
ajssms-2102	159	26	the	the	DET
ajssms-2102	159	27	level	level	NOUN
ajssms-2102	159	28	of	of	ADP
ajssms-2102	159	29	education	education	NOUN
ajssms-2102	159	30	of	of	ADP
ajssms-2102	159	31	participant	participant	NOUN
ajssms-2102	159	32	indicated	indicate	VERB
ajssms-2102	159	33	that	that	SCONJ
ajssms-2102	159	34	,	,	PUNCT
ajssms-2102	159	35	4	4	NUM
ajssms-2102	159	36	were	be	AUX
ajssms-2102	159	37	diploma	diploma	NOUN
ajssms-2102	159	38	certificate	certificate	NOUN
ajssms-2102	159	39	holders	holder	NOUN
ajssms-2102	159	40	,	,	PUNCT
ajssms-2102	159	41	40	40	NUM
ajssms-2102	159	42	were	be	AUX
ajssms-2102	159	43	first	first	ADJ
ajssms-2102	159	44	degree	degree	NOUN
ajssms-2102	159	45	holders	holder	NOUN
ajssms-2102	159	46	,	,	PUNCT
ajssms-2102	159	47	50	50	NUM
ajssms-2102	159	48	were	be	AUX
ajssms-2102	159	49	master	master	NOUN
ajssms-2102	159	50	’s	’s	PART
ajssms-2102	159	51	holders	holder	NOUN
ajssms-2102	159	52	,	,	PUNCT
ajssms-2102	159	53	while	while	SCONJ
ajssms-2102	159	54	17	17	NUM
ajssms-2102	159	55	of	of	ADP
ajssms-2102	159	56	the	the	DET
ajssms-2102	159	57	participant	participant	NOUN
ajssms-2102	159	58	were	be	AUX
ajssms-2102	159	59	holders	holder	NOUN
ajssms-2102	159	60	of	of	ADP
ajssms-2102	159	61	other	other	ADJ
ajssms-2102	159	62	forms	form	NOUN
ajssms-2102	159	63	of	of	ADP
ajssms-2102	159	64	certificates	certificate	NOUN
ajssms-2102	159	65	.	.	PUNCT
ajssms-2102	160	1	this	this	PRON
ajssms-2102	160	2	represents	represent	VERB
ajssms-2102	160	3	4	4	NUM
ajssms-2102	160	4	%	%	NOUN
ajssms-2102	160	5	,	,	PUNCT
ajssms-2102	160	6	36	36	NUM
ajssms-2102	160	7	%	%	NOUN
ajssms-2102	160	8	,	,	PUNCT
ajssms-2102	160	9	45	45	NUM
ajssms-2102	160	10	%	%	NOUN
ajssms-2102	160	11	and	and	CCONJ
ajssms-2102	160	12	15	15	NUM
ajssms-2102	160	13	%	%	NOUN
ajssms-2102	160	14	respectively	respectively	ADV
ajssms-2102	160	15	.	.	PUNCT
ajssms-2102	161	1	note	note	VERB
ajssms-2102	161	2	that	that	SCONJ
ajssms-2102	161	3	the	the	DET
ajssms-2102	161	4	percentages	percentage	NOUN
ajssms-2102	161	5	in	in	ADP
ajssms-2102	161	6	the	the	DET
ajssms-2102	161	7	table	table	NOUN
ajssms-2102	161	8	have	have	AUX
ajssms-2102	161	9	been	be	AUX
ajssms-2102	161	10	rounded	round	VERB
ajssms-2102	161	11	off	off	ADP
ajssms-2102	161	12	.	.	PUNCT
ajssms-2102	162	1	table-5.participants	table-5.participant	NOUN
ajssms-2102	162	2	years	year	NOUN
ajssms-2102	162	3	of	of	ADP
ajssms-2102	162	4	work	work	NOUN
ajssms-2102	162	5	experience	experience	NOUN
ajssms-2102	162	6	.	.	PUNCT
ajssms-2102	163	1	work	work	NOUN
ajssms-2102	163	2	experience	experience	NOUN
ajssms-2102	163	3	f	f	PROPN
ajssms-2102	163	4	below	below	ADP
ajssms-2102	163	5	5years	5years	NUM
ajssms-2102	163	6	17	17	NUM
ajssms-2102	163	7	5	5	NUM
ajssms-2102	163	8	-	-	SYM
ajssms-2102	163	9	10	10	NUM
ajssms-2102	163	10	years	year	NOUN
ajssms-2102	163	11	57	57	NUM
ajssms-2102	163	12	10	10	NUM
ajssms-2102	163	13	-	-	SYM
ajssms-2102	163	14	20	20	NUM
ajssms-2102	163	15	years	year	NOUN
ajssms-2102	163	16	22	22	NUM
ajssms-2102	163	17	20	20	NUM
ajssms-2102	163	18	-	-	SYM
ajssms-2102	163	19	30	30	NUM
ajssms-2102	163	20	years	year	NOUN
ajssms-2102	163	21	12	12	NUM
ajssms-2102	163	22	above	above	ADP
ajssms-2102	163	23	30	30	NUM
ajssms-2102	163	24	years	year	NOUN
ajssms-2102	163	25	3	3	NUM
ajssms-2102	163	26	total	total	NOUN
ajssms-2102	163	27	111	111	NUM
ajssms-2102	163	28	source	source	NOUN
ajssms-2102	163	29	:	:	PUNCT
ajssms-2102	163	30	field	field	NOUN
ajssms-2102	163	31	survey	survey	NOUN
ajssms-2102	163	32	,	,	PUNCT
ajssms-2102	163	33	2019	2019	NUM
ajssms-2102	163	34	.	.	PUNCT
ajssms-2102	164	1	table	table	NOUN
ajssms-2102	164	2	5	5	NUM
ajssms-2102	164	3	,	,	PUNCT
ajssms-2102	164	4	17	17	NUM
ajssms-2102	164	5	,	,	PUNCT
ajssms-2102	164	6	57	57	NUM
ajssms-2102	164	7	,	,	PUNCT
ajssms-2102	164	8	22	22	NUM
ajssms-2102	164	9	and	and	CCONJ
ajssms-2102	164	10	3	3	NUM
ajssms-2102	164	11	of	of	ADP
ajssms-2102	164	12	participants	participant	NOUN
ajssms-2102	164	13	are	be	AUX
ajssms-2102	164	14	said	say	VERB
ajssms-2102	164	15	to	to	PART
ajssms-2102	164	16	have	have	AUX
ajssms-2102	164	17	had	have	VERB
ajssms-2102	164	18	working	work	VERB
ajssms-2102	164	19	experience	experience	NOUN
ajssms-2102	164	20	below	below	ADP
ajssms-2102	164	21	5years	5years	NUM
ajssms-2102	164	22	,	,	PUNCT
ajssms-2102	164	23	5	5	NUM
ajssms-2102	164	24	-	-	SYM
ajssms-2102	164	25	10years	10years	NUM
ajssms-2102	164	26	,	,	PUNCT
ajssms-2102	164	27	1020years	1020years	NUM
ajssms-2102	164	28	,	,	PUNCT
ajssms-2102	164	29	20	20	NUM
ajssms-2102	164	30	-	-	SYM
ajssms-2102	164	31	30years	30years	NUM
ajssms-2102	164	32	and	and	CCONJ
ajssms-2102	164	33	above	above	ADP
ajssms-2102	164	34	30	30	NUM
ajssms-2102	164	35	years	year	NOUN
ajssms-2102	164	36	.	.	PUNCT
ajssms-2102	165	1	this	this	PRON
ajssms-2102	165	2	represents	represent	VERB
ajssms-2102	165	3	15	15	NUM
ajssms-2102	165	4	%	%	NOUN
ajssms-2102	165	5	,	,	PUNCT
ajssms-2102	165	6	51	51	NUM
ajssms-2102	165	7	%	%	NOUN
ajssms-2102	165	8	,	,	PUNCT
ajssms-2102	165	9	20	20	NUM
ajssms-2102	165	10	%	%	NOUN
ajssms-2102	165	11	,	,	PUNCT
ajssms-2102	165	12	11	11	NUM
ajssms-2102	165	13	%	%	NOUN
ajssms-2102	165	14	and	and	CCONJ
ajssms-2102	165	15	3	3	NUM
ajssms-2102	165	16	%	%	NOUN
ajssms-2102	165	17	respectively	respectively	ADV
ajssms-2102	165	18	.	.	PUNCT
ajssms-2102	166	1	the	the	DET
ajssms-2102	166	2	low	low	ADJ
ajssms-2102	166	3	percentage	percentage	NOUN
ajssms-2102	166	4	of	of	ADP
ajssms-2102	166	5	participants	participant	NOUN
ajssms-2102	166	6	above	above	ADP
ajssms-2102	166	7	30	30	NUM
ajssms-2102	166	8	years	year	NOUN
ajssms-2102	166	9	indicated	indicate	VERB
ajssms-2102	166	10	the	the	DET
ajssms-2102	166	11	low	low	ADJ
ajssms-2102	166	12	number	number	NOUN
ajssms-2102	166	13	of	of	ADP
ajssms-2102	166	14	aged	aged	ADJ
ajssms-2102	166	15	people	people	NOUN
ajssms-2102	166	16	in	in	ADP
ajssms-2102	166	17	the	the	DET
ajssms-2102	166	18	banking	banking	NOUN
ajssms-2102	166	19	services	service	NOUN
ajssms-2102	166	20	available	available	ADJ
ajssms-2102	166	21	in	in	ADP
ajssms-2102	166	22	jos	jos	PROPN
ajssms-2102	166	23	.	.	PROPN
ajssms-2102	166	24	note	note	VERB
ajssms-2102	166	25	that	that	SCONJ
ajssms-2102	166	26	the	the	DET
ajssms-2102	166	27	percentages	percentage	NOUN
ajssms-2102	166	28	in	in	ADP
ajssms-2102	166	29	the	the	DET
ajssms-2102	166	30	table	table	NOUN
ajssms-2102	166	31	have	have	AUX
ajssms-2102	166	32	been	be	AUX
ajssms-2102	166	33	rounded	round	VERB
ajssms-2102	166	34	off	off	ADP
ajssms-2102	166	35	.	.	PUNCT
ajssms-2102	167	1	4.1	4.1	NUM
ajssms-2102	167	2	.	.	PUNCT
ajssms-2102	167	3	model	model	NOUN
ajssms-2102	167	4	specification	specification	NOUN
ajssms-2102	167	5	the	the	DET
ajssms-2102	167	6	cronbach	cronbach	NOUN
ajssms-2102	167	7	’s	’s	PART
ajssms-2102	167	8	alpha	alpha	NOUN
ajssms-2102	167	9	reliability	reliability	NOUN
ajssms-2102	167	10	test	test	NOUN
ajssms-2102	167	11	of	of	ADP
ajssms-2102	167	12	this	this	DET
ajssms-2102	167	13	study	study	NOUN
ajssms-2102	167	14	show	show	VERB
ajssms-2102	167	15	that	that	SCONJ
ajssms-2102	167	16	the	the	DET
ajssms-2102	167	17	reliability	reliability	NOUN
ajssms-2102	167	18	test	test	NOUN
ajssms-2102	167	19	is	be	AUX
ajssms-2102	167	20	0.78	0.78	NUM
ajssms-2102	167	21	thus	thus	ADV
ajssms-2102	167	22	suggesting	suggest	VERB
ajssms-2102	167	23	the	the	DET
ajssms-2102	167	24	reliability	reliability	NOUN
ajssms-2102	167	25	of	of	ADP
ajssms-2102	167	26	each	each	DET
ajssms-2102	167	27	factor	factor	NOUN
ajssms-2102	167	28	.	.	PUNCT
ajssms-2102	168	1	the	the	DET
ajssms-2102	168	2	result	result	NOUN
ajssms-2102	168	3	of	of	ADP
ajssms-2102	168	4	the	the	DET
ajssms-2102	168	5	content	content	NOUN
ajssms-2102	168	6	validity	validity	NOUN
ajssms-2102	168	7	test	test	NOUN
ajssms-2102	168	8	are	be	AUX
ajssms-2102	168	9	acceptable	acceptable	ADJ
ajssms-2102	168	10	while	while	SCONJ
ajssms-2102	168	11	construct	construct	NOUN
ajssms-2102	168	12	exhibited	exhibit	VERB
ajssms-2102	168	13	range	range	NOUN
ajssms-2102	168	14	of	of	ADP
ajssms-2102	168	15	results	result	NOUN
ajssms-2102	168	16	higher	high	ADJ
ajssms-2102	168	17	than	than	ADP
ajssms-2102	168	18	0.60	0.60	NUM
ajssms-2102	168	19	and	and	CCONJ
ajssms-2102	168	20	lower	low	ADJ
ajssms-2102	168	21	than	than	ADP
ajssms-2102	168	22	0.30	0.30	NUM
ajssms-2102	168	23	.	.	PUNCT
ajssms-2102	169	1	therefore	therefore	ADV
ajssms-2102	169	2	,	,	PUNCT
ajssms-2102	169	3	both	both	CCONJ
ajssms-2102	169	4	the	the	DET
ajssms-2102	169	5	convergent	convergent	NOUN
ajssms-2102	169	6	and	and	CCONJ
ajssms-2102	169	7	divergent	divergent	ADJ
ajssms-2102	169	8	validity	validity	NOUN
ajssms-2102	169	9	construct	construct	NOUN
ajssms-2102	169	10	have	have	AUX
ajssms-2102	169	11	been	be	AUX
ajssms-2102	169	12	satisfied	satisfied	ADJ
ajssms-2102	169	13	.	.	PUNCT
ajssms-2102	170	1	in	in	ADP
ajssms-2102	170	2	order	order	NOUN
ajssms-2102	170	3	to	to	PART
ajssms-2102	170	4	establish	establish	VERB
ajssms-2102	170	5	an	an	DET
ajssms-2102	170	6	existing	exist	VERB
ajssms-2102	170	7	relationship	relationship	NOUN
ajssms-2102	170	8	between	between	ADP
ajssms-2102	170	9	enterprise	enterprise	NOUN
ajssms-2102	170	10	risk	risk	NOUN
ajssms-2102	170	11	management	management	NOUN
ajssms-2102	170	12	and	and	CCONJ
ajssms-2102	170	13	sustainability	sustainability	NOUN
ajssms-2102	170	14	and	and	CCONJ
ajssms-2102	170	15	survival	survival	NOUN
ajssms-2102	170	16	of	of	ADP
ajssms-2102	170	17	banks	bank	NOUN
ajssms-2102	170	18	,	,	PUNCT
ajssms-2102	170	19	multiple	multiple	ADJ
ajssms-2102	170	20	regression	regression	NOUN
ajssms-2102	170	21	was	be	AUX
ajssms-2102	170	22	adopted	adopt	VERB
ajssms-2102	170	23	and	and	CCONJ
ajssms-2102	170	24	the	the	DET
ajssms-2102	170	25	model	model	NOUN
ajssms-2102	170	26	was	be	AUX
ajssms-2102	170	27	specified	specify	VERB
ajssms-2102	170	28	as	as	ADP
ajssms-2102	170	29	thus	thus	ADV
ajssms-2102	170	30	:	:	PUNCT
ajssms-2102	170	31	erm	erm	PROPN
ajssms-2102	170	32	=	=	PROPN
ajssms-2102	170	33	f(sfp	f(sfp	PROPN
ajssms-2102	170	34	,	,	PUNCT
ajssms-2102	170	35	incd	incd	NOUN
ajssms-2102	170	36	,	,	PUNCT
ajssms-2102	170	37	saf	saf	PROPN
ajssms-2102	170	38	)	)	PUNCT
ajssms-2102	170	39	(	(	PUNCT
ajssms-2102	170	40	1	1	X
ajssms-2102	170	41	)	)	PUNCT
ajssms-2102	170	42	erm	erm	PROPN
ajssms-2102	170	43	=	=	PROPN
ajssms-2102	170	44	β1	β1	NOUN
ajssms-2102	170	45	+	+	PROPN
ajssms-2102	170	46	β2	β2	NOUN
ajssms-2102	170	47	sfp	sfp	VERB
ajssms-2102	170	48	+	+	NOUN
ajssms-2102	170	49	β3	β3	ADJ
ajssms-2102	170	50	incd	incd	NOUN
ajssms-2102	171	1	+	+	ADJ
ajssms-2102	171	2	β4	β4	PROPN
ajssms-2102	171	3	saf	saf	PROPN
ajssms-2102	172	1	+	+	PROPN
ajssms-2102	172	2	εt(2	εt(2	PROPN
ajssms-2102	172	3	)	)	PUNCT
ajssms-2102	173	1	where	where	SCONJ
ajssms-2102	173	2	:	:	PUNCT
ajssms-2102	173	3	erm=	erm=	ADJ
ajssms-2102	173	4	enterprise	enterprise	NOUN
ajssms-2102	173	5	risk	risk	NOUN
ajssms-2102	173	6	management	management	NOUN
ajssms-2102	173	7	.	.	PUNCT
ajssms-2102	174	1	sfp=	sfp=	PROPN
ajssms-2102	174	2	strategic	strategic	ADJ
ajssms-2102	174	3	and	and	CCONJ
ajssms-2102	174	4	financial	financial	ADJ
ajssms-2102	174	5	planning	planning	NOUN
ajssms-2102	174	6	.	.	PUNCT
ajssms-2102	175	1	incd	incd	PROPN
ajssms-2102	175	2	=	=	NOUN
ajssms-2102	175	3	income	income	NOUN
ajssms-2102	175	4	diversification	diversification	NOUN
ajssms-2102	175	5	.	.	PUNCT
ajssms-2102	176	1	saf	saf	PROPN
ajssms-2102	176	2	=	=	PROPN
ajssms-2102	176	3	sound	sound	PROPN
ajssms-2102	176	4	administration	administration	NOUN
ajssms-2102	176	5	and	and	CCONJ
ajssms-2102	176	6	finance	finance	NOUN
ajssms-2102	176	7	.	.	PUNCT
ajssms-2102	177	1	εt	εt	NOUN
ajssms-2102	178	1	=	=	NOUN
ajssms-2102	178	2	error	error	NOUN
ajssms-2102	178	3	term	term	NOUN
ajssms-2102	178	4	.	.	PUNCT
ajssms-2102	179	1	β1	β1	PROPN
ajssms-2102	179	2	β4=	β4=	PROPN
ajssms-2102	179	3	parameter	parameter	NOUN
ajssms-2102	179	4	estimates	estimate	NOUN
ajssms-2102	179	5	of	of	ADP
ajssms-2102	179	6	erm	erm	PROPN
ajssms-2102	179	7	,	,	PUNCT
ajssms-2102	179	8	sfp	sfp	PROPN
ajssms-2102	179	9	,	,	PUNCT
ajssms-2102	179	10	incd	incd	NOUN
ajssms-2102	179	11	and	and	CCONJ
ajssms-2102	179	12	saf	saf	PROPN
ajssms-2102	179	13	.	.	PROPN
ajssms-2102	179	14	4.2	4.2	NUM
ajssms-2102	179	15	.	.	PUNCT
ajssms-2102	180	1	a	a	DET
ajssms-2102	180	2	priori	priori	ADJ
ajssms-2102	180	3	expectations	expectation	NOUN
ajssms-2102	180	4	the	the	DET
ajssms-2102	180	5	a	a	DET
ajssms-2102	180	6	priori	priori	ADJ
ajssms-2102	180	7	expectation	expectation	NOUN
ajssms-2102	180	8	is	be	AUX
ajssms-2102	180	9	;	;	PUNCT
ajssms-2102	180	10	β1	β1	PROPN
ajssms-2102	180	11	β4	β4	PROPN
ajssms-2102	180	12	>	>	X
ajssms-2102	180	13	0	0	NUM
ajssms-2102	180	14	.	.	PUNCT
ajssms-2102	181	1	that	that	PRON
ajssms-2102	181	2	is	be	AUX
ajssms-2102	181	3	,	,	PUNCT
ajssms-2102	181	4	all	all	DET
ajssms-2102	181	5	the	the	DET
ajssms-2102	181	6	explanatory	explanatory	ADJ
ajssms-2102	181	7	variables	variable	NOUN
ajssms-2102	181	8	are	be	AUX
ajssms-2102	181	9	expected	expect	VERB
ajssms-2102	181	10	to	to	PART
ajssms-2102	181	11	have	have	VERB
ajssms-2102	181	12	positive	positive	ADJ
ajssms-2102	181	13	effect	effect	NOUN
ajssms-2102	181	14	on	on	ADP
ajssms-2102	181	15	sustainability	sustainability	NOUN
ajssms-2102	181	16	and	and	CCONJ
ajssms-2102	181	17	survival	survival	NOUN
ajssms-2102	181	18	of	of	ADP
ajssms-2102	181	19	deposit	deposit	NOUN
ajssms-2102	181	20	money	money	NOUN
ajssms-2102	181	21	banks	bank	NOUN
ajssms-2102	181	22	in	in	ADP
ajssms-2102	181	23	the	the	DET
ajssms-2102	181	24	study	study	NOUN
ajssms-2102	181	25	area	area	NOUN
ajssms-2102	181	26	table-6	table-6	PROPN
ajssms-2102	181	27	.	.	NOUN
ajssms-2102	181	28	descriptive	descriptive	ADJ
ajssms-2102	181	29	of	of	ADP
ajssms-2102	181	30	dependent	dependent	ADJ
ajssms-2102	181	31	and	and	CCONJ
ajssms-2102	181	32	explanatory	explanatory	ADJ
ajssms-2102	181	33	variables	variable	NOUN
ajssms-2102	181	34	models	model	NOUN
ajssms-2102	181	35	n	n	PRON
ajssms-2102	181	36	minimum	minimum	ADJ
ajssms-2102	181	37	maximum	maximum	ADJ
ajssms-2102	181	38	mean	mean	ADJ
ajssms-2102	181	39	std	std	NOUN
ajssms-2102	181	40	.	.	PUNCT
ajssms-2102	182	1	deviation	deviation	NOUN
ajssms-2102	182	2	erm	erm	PROPN
ajssms-2102	182	3	111	111	NUM
ajssms-2102	182	4	1.40	1.40	NUM
ajssms-2102	182	5	4.40	4.40	NUM
ajssms-2102	182	6	3.4144	3.4144	NUM
ajssms-2102	182	7	.66262	.66262	NOUN
ajssms-2102	182	8	sfp	sfp	VERB
ajssms-2102	182	9	111	111	NUM
ajssms-2102	182	10	1.50	1.50	NUM
ajssms-2102	182	11	4.83	4.83	NUM
ajssms-2102	182	12	3.5135	3.5135	NUM
ajssms-2102	182	13	.72060	.72060	NOUN
ajssms-2102	182	14	incd	incd	NOUN
ajssms-2102	182	15	111	111	NUM
ajssms-2102	182	16	1.25	1.25	NUM
ajssms-2102	182	17	5.00	5.00	NUM
ajssms-2102	183	1	3.2815	3.2815	NUM
ajssms-2102	183	2	.92817	.92817	NOUN
ajssms-2102	183	3	saf	saf	PROPN
ajssms-2102	183	4	111	111	NUM
ajssms-2102	183	5	1.55	1.55	NUM
ajssms-2102	183	6	4.50	4.50	NUM
ajssms-2102	183	7	3.2027	3.2027	NUM
ajssms-2102	183	8	.71867	.71867	PUNCT
ajssms-2102	184	1	the	the	DET
ajssms-2102	184	2	total	total	ADJ
ajssms-2102	184	3	observations	observation	NOUN
ajssms-2102	184	4	of	of	ADP
ajssms-2102	184	5	the	the	DET
ajssms-2102	184	6	dependent	dependent	ADJ
ajssms-2102	184	7	and	and	CCONJ
ajssms-2102	184	8	explanatory	explanatory	ADJ
ajssms-2102	184	9	variables	variable	NOUN
ajssms-2102	184	10	are	be	AUX
ajssms-2102	184	11	111	111	NUM
ajssms-2102	184	12	.	.	PUNCT
ajssms-2102	185	1	the	the	DET
ajssms-2102	185	2	table	table	NOUN
ajssms-2102	185	3	showed	show	VERB
ajssms-2102	185	4	the	the	DET
ajssms-2102	185	5	mean	mean	ADJ
ajssms-2102	185	6	,	,	PUNCT
ajssms-2102	185	7	standard	standard	ADJ
ajssms-2102	185	8	deviation	deviation	NOUN
ajssms-2102	185	9	,	,	PUNCT
ajssms-2102	185	10	minimum	minimum	ADJ
ajssms-2102	185	11	and	and	CCONJ
ajssms-2102	185	12	maximum	maximum	ADJ
ajssms-2102	185	13	values	value	NOUN
ajssms-2102	185	14	for	for	ADP
ajssms-2102	185	15	the	the	DET
ajssms-2102	185	16	dependent	dependent	ADJ
ajssms-2102	185	17	and	and	CCONJ
ajssms-2102	185	18	independent	independent	ADJ
ajssms-2102	185	19	variables	variable	NOUN
ajssms-2102	185	20	.	.	PUNCT
ajssms-2102	186	1	the	the	DET
ajssms-2102	186	2	mean	mean	NOUN
ajssms-2102	186	3	of	of	ADP
ajssms-2102	186	4	enterprise	enterprise	NOUN
ajssms-2102	186	5	risk	risk	NOUN
ajssms-2102	186	6	management	management	NOUN
ajssms-2102	186	7	was	be	AUX
ajssms-2102	186	8	3.4144	3.4144	NUM
ajssms-2102	186	9	percent	percent	NOUN
ajssms-2102	186	10	with	with	ADP
ajssms-2102	186	11	0.66262	0.66262	NUM
ajssms-2102	186	12	percent	percent	NOUN
ajssms-2102	186	13	standard	standard	ADJ
ajssms-2102	186	14	deviation	deviation	NOUN
ajssms-2102	186	15	.	.	PUNCT
ajssms-2102	187	1	this	this	PRON
ajssms-2102	187	2	means	mean	VERB
ajssms-2102	187	3	that	that	SCONJ
ajssms-2102	187	4	,	,	PUNCT
ajssms-2102	187	5	on	on	ADP
ajssms-2102	187	6	an	an	DET
ajssms-2102	187	7	average	average	ADJ
ajssms-2102	187	8	,	,	PUNCT
ajssms-2102	187	9	more	more	ADJ
ajssms-2102	187	10	than	than	ADP
ajssms-2102	187	11	3	3	NUM
ajssms-2102	187	12	percent	percent	NOUN
ajssms-2102	187	13	of	of	ADP
ajssms-2102	187	14	the	the	DET
ajssms-2102	187	15	enterprises	enterprise	NOUN
ajssms-2102	187	16	adopted	adopt	VERB
ajssms-2102	187	17	risk	risk	NOUN
ajssms-2102	187	18	management	management	NOUN
ajssms-2102	187	19	for	for	ADP
ajssms-2102	187	20	sustainability	sustainability	NOUN
ajssms-2102	187	21	and	and	CCONJ
ajssms-2102	187	22	survival	survival	NOUN
ajssms-2102	187	23	.	.	PUNCT
ajssms-2102	188	1	enterprise	enterprise	NOUN
ajssms-2102	188	2	risk	risk	NOUN
ajssms-2102	188	3	management	management	NOUN
ajssms-2102	188	4	for	for	ADP
ajssms-2102	188	5	the	the	DET
ajssms-2102	188	6	sample	sample	NOUN
ajssms-2102	188	7	period	period	NOUN
ajssms-2102	188	8	ranges	range	VERB
ajssms-2102	188	9	between	between	ADP
ajssms-2102	188	10	1.40	1.40	NUM
ajssms-2102	188	11	percent	percent	NOUN
ajssms-2102	188	12	and	and	CCONJ
ajssms-2102	188	13	4.40	4.40	NUM
ajssms-2102	188	14	percent	percent	NOUN
ajssms-2102	188	15	.	.	PUNCT
ajssms-2102	189	1	the	the	DET
ajssms-2102	189	2	result	result	NOUN
ajssms-2102	189	3	further	far	ADV
ajssms-2102	189	4	showed	show	VERB
ajssms-2102	189	5	that	that	SCONJ
ajssms-2102	189	6	strategic	strategic	ADJ
ajssms-2102	189	7	and	and	CCONJ
ajssms-2102	189	8	financial	financial	ADJ
ajssms-2102	189	9	planning	planning	NOUN
ajssms-2102	189	10	of	of	ADP
ajssms-2102	189	11	the	the	DET
ajssms-2102	189	12	sample	sample	NOUN
ajssms-2102	189	13	banks	bank	NOUN
ajssms-2102	189	14	used	use	VERB
ajssms-2102	189	15	in	in	ADP
ajssms-2102	189	16	the	the	DET
ajssms-2102	189	17	study	study	NOUN
ajssms-2102	189	18	is	be	AUX
ajssms-2102	189	19	more	more	ADJ
ajssms-2102	189	20	than	than	ADP
ajssms-2102	189	21	3	3	NUM
ajssms-2102	189	22	percent	percent	NOUN
ajssms-2102	189	23	with	with	ADP
ajssms-2102	189	24	a	a	DET
ajssms-2102	189	25	standard	standard	ADJ
ajssms-2102	189	26	deviation	deviation	NOUN
ajssms-2102	189	27	of	of	ADP
ajssms-2102	189	28	0.72060	0.72060	NUM
ajssms-2102	189	29	percent	percent	NOUN
ajssms-2102	189	30	.	.	PUNCT
ajssms-2102	190	1	the	the	DET
ajssms-2102	190	2	strategic	strategic	ADJ
ajssms-2102	190	3	and	and	CCONJ
ajssms-2102	190	4	financial	financial	ADJ
ajssms-2102	190	5	planning	planning	NOUN
ajssms-2102	190	6	of	of	ADP
ajssms-2102	190	7	the	the	DET
ajssms-2102	190	8	deposit	deposit	NOUN
ajssms-2102	190	9	money	money	NOUN
ajssms-2102	190	10	banks	bank	NOUN
ajssms-2102	190	11	ranges	range	VERB
ajssms-2102	190	12	between	between	ADP
ajssms-2102	190	13	1.50	1.50	NUM
ajssms-2102	190	14	and	and	CCONJ
ajssms-2102	190	15	4.83	4.83	NUM
ajssms-2102	190	16	percent	percent	NOUN
ajssms-2102	190	17	.	.	PUNCT
ajssms-2102	191	1	the	the	DET
ajssms-2102	191	2	income	income	NOUN
ajssms-2102	191	3	diversification	diversification	NOUN
ajssms-2102	191	4	of	of	ADP
ajssms-2102	191	5	the	the	DET
ajssms-2102	191	6	sample	sample	NOUN
ajssms-2102	191	7	banks	bank	NOUN
ajssms-2102	191	8	used	use	VERB
ajssms-2102	191	9	in	in	ADP
ajssms-2102	191	10	the	the	DET
ajssms-2102	191	11	study	study	NOUN
ajssms-2102	191	12	averaged	average	VERB
ajssms-2102	191	13	3.2815	3.2815	NUM
ajssms-2102	191	14	percent	percent	NOUN
ajssms-2102	191	15	with	with	ADP
ajssms-2102	191	16	a	a	DET
ajssms-2102	191	17	standard	standard	ADJ
ajssms-2102	191	18	deviation	deviation	NOUN
ajssms-2102	191	19	of	of	ADP
ajssms-2102	191	20	0.92817	0.92817	NUM
ajssms-2102	191	21	percent	percent	NOUN
ajssms-2102	191	22	.	.	PUNCT
ajssms-2102	192	1	the	the	DET
ajssms-2102	192	2	income	income	NOUN
ajssms-2102	192	3	diversification	diversification	NOUN
ajssms-2102	192	4	of	of	ADP
ajssms-2102	192	5	banks	bank	NOUN
ajssms-2102	192	6	ranges	range	VERB
ajssms-2102	192	7	between	between	ADP
ajssms-2102	192	8	1.25	1.25	NUM
ajssms-2102	192	9	percent	percent	NOUN
ajssms-2102	192	10	and	and	CCONJ
ajssms-2102	192	11	5.00	5.00	NUM
ajssms-2102	192	12	percent	percent	NOUN
ajssms-2102	192	13	.	.	PUNCT
ajssms-2102	193	1	as	as	ADP
ajssms-2102	193	2	for	for	ADP
ajssms-2102	193	3	sound	sound	ADJ
ajssms-2102	193	4	administration	administration	NOUN
ajssms-2102	193	5	and	and	CCONJ
ajssms-2102	193	6	financial	financial	ADJ
ajssms-2102	193	7	management	management	NOUN
ajssms-2102	193	8	,	,	PUNCT
ajssms-2102	193	9	it	it	PRON
ajssms-2102	193	10	showed	show	VERB
ajssms-2102	193	11	a	a	DET
ajssms-2102	193	12	asian	asian	ADJ
ajssms-2102	193	13	journal	journal	NOUN
ajssms-2102	193	14	of	of	ADP
ajssms-2102	193	15	social	social	ADJ
ajssms-2102	193	16	sciences	sciences	PROPN
ajssms-2102	193	17	and	and	CCONJ
ajssms-2102	193	18	management	management	NOUN
ajssms-2102	193	19	studies	study	NOUN
ajssms-2102	193	20	,	,	PUNCT
ajssms-2102	193	21	2020	2020	NUM
ajssms-2102	193	22	,	,	PUNCT
ajssms-2102	193	23	7(3	7(3	NUM
ajssms-2102	193	24	):	):	PUNCT
ajssms-2102	193	25	250	250	NUM
ajssms-2102	193	26	-	-	SYM
ajssms-2102	193	27	257	257	NUM
ajssms-2102	193	28	256	256	NUM
ajssms-2102	193	29	©	©	PROPN
ajssms-2102	193	30	2020	2020	NUM
ajssms-2102	193	31	by	by	ADP
ajssms-2102	193	32	the	the	DET
ajssms-2102	193	33	authors	author	NOUN
ajssms-2102	193	34	;	;	PUNCT
ajssms-2102	193	35	licensee	licensee	PROPN
ajssms-2102	193	36	asian	asian	ADJ
ajssms-2102	193	37	online	online	PROPN
ajssms-2102	193	38	journal	journal	PROPN
ajssms-2102	193	39	publishing	publishing	NOUN
ajssms-2102	193	40	group	group	NOUN
ajssms-2102	193	41	mean	mean	NOUN
ajssms-2102	193	42	value	value	NOUN
ajssms-2102	193	43	of	of	ADP
ajssms-2102	193	44	3.2027	3.2027	NUM
ajssms-2102	193	45	percent	percent	NOUN
ajssms-2102	193	46	and	and	CCONJ
ajssms-2102	193	47	a	a	DET
ajssms-2102	193	48	standard	standard	ADJ
ajssms-2102	193	49	deviation	deviation	NOUN
ajssms-2102	193	50	of	of	ADP
ajssms-2102	193	51	0.71867	0.71867	NUM
ajssms-2102	193	52	percent	percent	NOUN
ajssms-2102	193	53	.	.	PUNCT
ajssms-2102	194	1	the	the	DET
ajssms-2102	194	2	sound	sound	PROPN
ajssms-2102	194	3	administration	administration	NOUN
ajssms-2102	194	4	and	and	CCONJ
ajssms-2102	194	5	financial	financial	ADJ
ajssms-2102	194	6	management	management	NOUN
ajssms-2102	194	7	of	of	ADP
ajssms-2102	194	8	deposit	deposit	NOUN
ajssms-2102	194	9	money	money	NOUN
ajssms-2102	194	10	banks	bank	NOUN
ajssms-2102	194	11	ranges	range	VERB
ajssms-2102	194	12	between	between	ADP
ajssms-2102	194	13	1.55	1.55	NUM
ajssms-2102	194	14	and	and	CCONJ
ajssms-2102	194	15	4.50	4.50	NUM
ajssms-2102	194	16	percent	percent	NOUN
ajssms-2102	194	17	.	.	PUNCT
ajssms-2102	195	1	4.3	4.3	NUM
ajssms-2102	195	2	.	.	PUNCT
ajssms-2102	196	1	regression	regression	VERB
ajssms-2102	196	2	analysis	analysis	NOUN
ajssms-2102	196	3	linear	linear	ADJ
ajssms-2102	196	4	regression	regression	NOUN
ajssms-2102	196	5	was	be	AUX
ajssms-2102	196	6	employed	employ	VERB
ajssms-2102	196	7	to	to	PART
ajssms-2102	196	8	help	help	VERB
ajssms-2102	196	9	capture	capture	VERB
ajssms-2102	196	10	the	the	DET
ajssms-2102	196	11	individual	individual	ADJ
ajssms-2102	196	12	effects	effect	NOUN
ajssms-2102	196	13	of	of	ADP
ajssms-2102	196	14	the	the	DET
ajssms-2102	196	15	independent	independent	ADJ
ajssms-2102	196	16	variables	variable	NOUN
ajssms-2102	196	17	in	in	ADP
ajssms-2102	196	18	the	the	DET
ajssms-2102	196	19	model	model	NOUN
ajssms-2102	196	20	.	.	PUNCT
ajssms-2102	197	1	this	this	PRON
ajssms-2102	197	2	is	be	AUX
ajssms-2102	197	3	to	to	PART
ajssms-2102	197	4	indicate	indicate	VERB
ajssms-2102	197	5	enterprise	enterprise	NOUN
ajssms-2102	197	6	risk	risk	NOUN
ajssms-2102	197	7	management	management	NOUN
ajssms-2102	197	8	has	have	VERB
ajssms-2102	197	9	a	a	DET
ajssms-2102	197	10	significant	significant	ADJ
ajssms-2102	197	11	relationship	relationship	NOUN
ajssms-2102	197	12	with	with	ADP
ajssms-2102	197	13	the	the	DET
ajssms-2102	197	14	sustainability	sustainability	NOUN
ajssms-2102	197	15	and	and	CCONJ
ajssms-2102	197	16	survival	survival	NOUN
ajssms-2102	197	17	of	of	ADP
ajssms-2102	197	18	deposit	deposit	NOUN
ajssms-2102	197	19	money	money	NOUN
ajssms-2102	197	20	banks	bank	NOUN
ajssms-2102	197	21	in	in	ADP
ajssms-2102	197	22	nigeria	nigeria	PROPN
ajssms-2102	197	23	.	.	PUNCT
ajssms-2102	198	1	therefore	therefore	ADV
ajssms-2102	198	2	,	,	PUNCT
ajssms-2102	198	3	this	this	PRON
ajssms-2102	198	4	indicates	indicate	VERB
ajssms-2102	198	5	the	the	DET
ajssms-2102	198	6	relative	relative	ADJ
ajssms-2102	198	7	strength	strength	NOUN
ajssms-2102	198	8	of	of	ADP
ajssms-2102	198	9	different	different	ADJ
ajssms-2102	198	10	independent	independent	ADJ
ajssms-2102	198	11	variables	variable	NOUN
ajssms-2102	198	12	’	'	PUNCT
ajssms-2102	198	13	on	on	ADP
ajssms-2102	198	14	the	the	DET
ajssms-2102	198	15	dependent	dependent	ADJ
ajssms-2102	198	16	variable	variable	NOUN
ajssms-2102	198	17	.	.	PUNCT
ajssms-2102	199	1	the	the	DET
ajssms-2102	199	2	model	model	NOUN
ajssms-2102	199	3	summary	summary	NOUN
ajssms-2102	199	4	for	for	ADP
ajssms-2102	199	5	the	the	DET
ajssms-2102	199	6	regression	regression	NOUN
ajssms-2102	199	7	analysis	analysis	NOUN
ajssms-2102	199	8	is	be	AUX
ajssms-2102	199	9	presented	present	VERB
ajssms-2102	199	10	in	in	ADP
ajssms-2102	199	11	table	table	NOUN
ajssms-2102	199	12	7	7	NUM
ajssms-2102	199	13	.	.	PUNCT
ajssms-2102	199	14	table-7.model	table-7.model	PROPN
ajssms-2102	199	15	summary	summary	NOUN
ajssms-2102	199	16	.	.	PUNCT
ajssms-2102	200	1	model	model	NOUN
ajssms-2102	200	2	r	r	NOUN
ajssms-2102	200	3	r	r	NOUN
ajssms-2102	200	4	square	square	ADJ
ajssms-2102	200	5	adjusted	adjust	VERB
ajssms-2102	200	6	r	r	NOUN
ajssms-2102	200	7	square	square	ADJ
ajssms-2102	200	8	std	std	NOUN
ajssms-2102	200	9	.	.	PUNCT
ajssms-2102	200	10	error	error	NOUN
ajssms-2102	200	11	of	of	ADP
ajssms-2102	200	12	the	the	DET
ajssms-2102	200	13	estimate	estimate	NOUN
ajssms-2102	200	14	durbin	durbin	NOUN
ajssms-2102	200	15	-	-	PUNCT
ajssms-2102	200	16	watson	watson	NOUN
ajssms-2102	200	17	1	1	NUM
ajssms-2102	200	18	0.686a	0.686a	NOUN
ajssms-2102	200	19	0.471	0.471	NUM
ajssms-2102	200	20	0.456	0.456	NUM
ajssms-2102	200	21	0.48887	0.48887	NUM
ajssms-2102	200	22	1.972	1.972	NUM
ajssms-2102	200	23	the	the	DET
ajssms-2102	200	24	r	r	NOUN
ajssms-2102	200	25	value	value	NOUN
ajssms-2102	200	26	0.686	0.686	NUM
ajssms-2102	200	27	indicates	indicate	VERB
ajssms-2102	200	28	that	that	SCONJ
ajssms-2102	200	29	there	there	PRON
ajssms-2102	200	30	is	be	VERB
ajssms-2102	200	31	a	a	DET
ajssms-2102	200	32	strong	strong	ADJ
ajssms-2102	200	33	positive	positive	ADJ
ajssms-2102	200	34	correlation	correlation	NOUN
ajssms-2102	200	35	between	between	ADP
ajssms-2102	200	36	enterprise	enterprise	NOUN
ajssms-2102	200	37	risk	risk	NOUN
ajssms-2102	200	38	management	management	NOUN
ajssms-2102	200	39	and	and	CCONJ
ajssms-2102	200	40	sustainability	sustainability	NOUN
ajssms-2102	200	41	of	of	ADP
ajssms-2102	200	42	deposit	deposit	NOUN
ajssms-2102	200	43	money	money	NOUN
ajssms-2102	200	44	banks	bank	NOUN
ajssms-2102	200	45	in	in	ADP
ajssms-2102	200	46	nigeria	nigeria	PROPN
ajssms-2102	200	47	.	.	PUNCT
ajssms-2102	201	1	this	this	PRON
ajssms-2102	201	2	depicts	depict	VERB
ajssms-2102	201	3	that	that	SCONJ
ajssms-2102	201	4	enterprise	enterprise	NOUN
ajssms-2102	201	5	risk	risk	NOUN
ajssms-2102	201	6	management	management	NOUN
ajssms-2102	201	7	is	be	AUX
ajssms-2102	201	8	strongly	strongly	ADV
ajssms-2102	201	9	associated	associate	VERB
ajssms-2102	201	10	with	with	ADP
ajssms-2102	201	11	sustainability	sustainability	NOUN
ajssms-2102	201	12	of	of	ADP
ajssms-2102	201	13	deposit	deposit	NOUN
ajssms-2102	201	14	money	money	NOUN
ajssms-2102	201	15	banks	bank	NOUN
ajssms-2102	201	16	.	.	PUNCT
ajssms-2102	202	1	the	the	DET
ajssms-2102	202	2	r	r	NOUN
ajssms-2102	202	3	-	-	PUNCT
ajssms-2102	202	4	square	square	NOUN
ajssms-2102	202	5	is	be	AUX
ajssms-2102	202	6	0.471	0.471	NUM
ajssms-2102	202	7	,	,	PUNCT
ajssms-2102	202	8	meaning	mean	VERB
ajssms-2102	202	9	that	that	SCONJ
ajssms-2102	202	10	income	income	NOUN
ajssms-2102	202	11	diversification	diversification	NOUN
ajssms-2102	202	12	,	,	PUNCT
ajssms-2102	202	13	sound	sound	ADJ
ajssms-2102	202	14	administration	administration	NOUN
ajssms-2102	202	15	and	and	CCONJ
ajssms-2102	202	16	finance	finance	NOUN
ajssms-2102	202	17	and	and	CCONJ
ajssms-2102	202	18	strategic	strategic	ADJ
ajssms-2102	202	19	and	and	CCONJ
ajssms-2102	202	20	financial	financial	ADJ
ajssms-2102	202	21	planning	planning	NOUN
ajssms-2102	202	22	accounted	account	VERB
ajssms-2102	202	23	for	for	ADP
ajssms-2102	202	24	47.1	47.1	NUM
ajssms-2102	202	25	%	%	NOUN
ajssms-2102	202	26	variation	variation	NOUN
ajssms-2102	202	27	in	in	ADP
ajssms-2102	202	28	enterprise	enterprise	NOUN
ajssms-2102	202	29	risk	risk	NOUN
ajssms-2102	202	30	management	management	NOUN
ajssms-2102	202	31	sustainability	sustainability	NOUN
ajssms-2102	202	32	of	of	ADP
ajssms-2102	202	33	deposit	deposit	NOUN
ajssms-2102	202	34	money	money	NOUN
ajssms-2102	202	35	banks	bank	NOUN
ajssms-2102	202	36	in	in	ADP
ajssms-2102	202	37	nigeria	nigeria	PROPN
ajssms-2102	202	38	.	.	PUNCT
ajssms-2102	203	1	this	this	PRON
ajssms-2102	203	2	depicts	depict	VERB
ajssms-2102	203	3	that	that	SCONJ
ajssms-2102	203	4	47.1	47.1	NUM
ajssms-2102	203	5	%	%	NOUN
ajssms-2102	203	6	variation	variation	NOUN
ajssms-2102	203	7	in	in	ADP
ajssms-2102	203	8	banks	bank	NOUN
ajssms-2102	203	9	sustainability	sustainability	NOUN
ajssms-2102	203	10	is	be	AUX
ajssms-2102	203	11	explained	explain	VERB
ajssms-2102	203	12	by	by	ADP
ajssms-2102	203	13	the	the	DET
ajssms-2102	203	14	independent	independent	ADJ
ajssms-2102	203	15	variables	variable	NOUN
ajssms-2102	203	16	.	.	PUNCT
ajssms-2102	204	1	by	by	ADP
ajssms-2102	204	2	implication	implication	NOUN
ajssms-2102	204	3	,	,	PUNCT
ajssms-2102	204	4	52.9	52.9	NUM
ajssms-2102	204	5	%	%	NOUN
ajssms-2102	204	6	variation	variation	NOUN
ajssms-2102	204	7	in	in	ADP
ajssms-2102	204	8	the	the	DET
ajssms-2102	204	9	dependent	dependent	ADJ
ajssms-2102	204	10	variable	variable	NOUN
ajssms-2102	204	11	is	be	AUX
ajssms-2102	204	12	unaccounted	unaccounte	VERB
ajssms-2102	204	13	for	for	ADP
ajssms-2102	204	14	in	in	ADP
ajssms-2102	204	15	the	the	DET
ajssms-2102	204	16	model	model	NOUN
ajssms-2102	204	17	.	.	PUNCT
ajssms-2102	205	1	thus	thus	ADV
ajssms-2102	205	2	,	,	PUNCT
ajssms-2102	205	3	52.9	52.9	NUM
ajssms-2102	205	4	%	%	NOUN
ajssms-2102	205	5	variation	variation	NOUN
ajssms-2102	205	6	in	in	ADP
ajssms-2102	205	7	deposit	deposit	NOUN
ajssms-2102	205	8	money	money	NOUN
ajssms-2102	205	9	banks	bank	NOUN
ajssms-2102	205	10	survival	survival	NOUN
ajssms-2102	205	11	and	and	CCONJ
ajssms-2102	205	12	sustainability	sustainability	NOUN
ajssms-2102	205	13	is	be	AUX
ajssms-2102	205	14	explained	explain	VERB
ajssms-2102	205	15	by	by	ADP
ajssms-2102	205	16	the	the	DET
ajssms-2102	205	17	stochastic	stochastic	NOUN
ajssms-2102	205	18	(	(	PUNCT
ajssms-2102	205	19	other	other	ADJ
ajssms-2102	205	20	variables	variable	NOUN
ajssms-2102	205	21	outside	outside	ADP
ajssms-2102	205	22	the	the	DET
ajssms-2102	205	23	model	model	NOUN
ajssms-2102	205	24	)	)	PUNCT
ajssms-2102	205	25	variable	variable	NOUN
ajssms-2102	205	26	.	.	PUNCT
ajssms-2102	206	1	the	the	DET
ajssms-2102	206	2	f	f	NOUN
ajssms-2102	206	3	-	-	PUNCT
ajssms-2102	206	4	statistic	statistic	ADJ
ajssms-2102	206	5	result	result	NOUN
ajssms-2102	206	6	is	be	AUX
ajssms-2102	206	7	presented	present	VERB
ajssms-2102	206	8	in	in	ADP
ajssms-2102	206	9	table	table	NOUN
ajssms-2102	206	10	8	8	NUM
ajssms-2102	206	11	.	.	PUNCT
ajssms-2102	207	1	table-8.anova	table-8.anova	NOUN
ajssms-2102	207	2	.	.	PUNCT
ajssms-2102	207	3	model	model	PROPN
ajssms-2102	207	4	sum	sum	NOUN
ajssms-2102	207	5	of	of	ADP
ajssms-2102	207	6	squares	square	NOUN
ajssms-2102	207	7	df	df	PROPN
ajssms-2102	207	8	mean	mean	PROPN
ajssms-2102	207	9	square	square	PROPN
ajssms-2102	207	10	f	f	PROPN
ajssms-2102	207	11	sig	sig	PROPN
ajssms-2102	207	12	.	.	PROPN
ajssms-2102	207	13	1	1	NUM
ajssms-2102	207	14	regression	regression	VERB
ajssms-2102	207	15	22.724	22.724	NUM
ajssms-2102	207	16	3	3	NUM
ajssms-2102	207	17	7.575	7.575	NUM
ajssms-2102	207	18	31.694	31.694	NUM
ajssms-2102	207	19	.000b	.000b	PROPN
ajssms-2102	207	20	residual	residual	ADJ
ajssms-2102	207	21	25.573	25.573	NUM
ajssms-2102	207	22	107	107	NUM
ajssms-2102	207	23	0.239	0.239	NUM
ajssms-2102	207	24	total	total	NOUN
ajssms-2102	207	25	48.297	48.297	NUM
ajssms-2102	207	26	110	110	NUM
ajssms-2102	207	27	findings	finding	NOUN
ajssms-2102	207	28	in	in	ADP
ajssms-2102	207	29	table	table	NOUN
ajssms-2102	207	30	8	8	NUM
ajssms-2102	207	31	showed	show	VERB
ajssms-2102	207	32	the	the	DET
ajssms-2102	207	33	f	f	PROPN
ajssms-2102	207	34	statistic	statistic	NOUN
ajssms-2102	207	35	of	of	ADP
ajssms-2102	207	36	the	the	DET
ajssms-2102	207	37	result	result	NOUN
ajssms-2102	207	38	.	.	PUNCT
ajssms-2102	208	1	the	the	DET
ajssms-2102	208	2	f	f	PROPN
ajssms-2102	208	3	value	value	NOUN
ajssms-2102	208	4	indicates	indicate	VERB
ajssms-2102	208	5	whether	whether	SCONJ
ajssms-2102	208	6	the	the	DET
ajssms-2102	208	7	set	set	NOUN
ajssms-2102	208	8	of	of	ADP
ajssms-2102	208	9	independent	independent	ADJ
ajssms-2102	208	10	variables	variable	NOUN
ajssms-2102	208	11	as	as	ADP
ajssms-2102	208	12	a	a	DET
ajssms-2102	208	13	whole	whole	ADJ
ajssms-2102	208	14	contribute	contribute	NOUN
ajssms-2102	208	15	to	to	ADP
ajssms-2102	208	16	the	the	DET
ajssms-2102	208	17	variation	variation	NOUN
ajssms-2102	208	18	in	in	ADP
ajssms-2102	208	19	the	the	DET
ajssms-2102	208	20	dependent	dependent	ADJ
ajssms-2102	208	21	variable	variable	NOUN
ajssms-2102	208	22	.	.	PUNCT
ajssms-2102	209	1	an	an	DET
ajssms-2102	209	2	f	f	PROPN
ajssms-2102	209	3	value	value	NOUN
ajssms-2102	209	4	of	of	ADP
ajssms-2102	209	5	31.694	31.694	NUM
ajssms-2102	209	6	was	be	AUX
ajssms-2102	209	7	found	find	VERB
ajssms-2102	209	8	.	.	PUNCT
ajssms-2102	210	1	findings	finding	NOUN
ajssms-2102	210	2	in	in	ADP
ajssms-2102	210	3	table	table	NOUN
ajssms-2102	210	4	8	8	NUM
ajssms-2102	210	5	further	far	ADV
ajssms-2102	210	6	revealed	reveal	VERB
ajssms-2102	210	7	that	that	SCONJ
ajssms-2102	210	8	the	the	DET
ajssms-2102	210	9	f	f	PROPN
ajssms-2102	210	10	value	value	NOUN
ajssms-2102	210	11	was	be	AUX
ajssms-2102	210	12	insignificant	insignificant	ADJ
ajssms-2102	210	13	(	(	PUNCT
ajssms-2102	210	14	p=0.000	p=0.000	NUM
ajssms-2102	210	15	)	)	PUNCT
ajssms-2102	210	16	at	at	ADP
ajssms-2102	210	17	95	95	NUM
ajssms-2102	210	18	%	%	NOUN
ajssms-2102	210	19	confidence	confidence	NOUN
ajssms-2102	210	20	level	level	NOUN
ajssms-2102	210	21	.	.	PUNCT
ajssms-2102	211	1	this	this	PRON
ajssms-2102	211	2	means	mean	VERB
ajssms-2102	211	3	that	that	SCONJ
ajssms-2102	211	4	enterprise	enterprise	NOUN
ajssms-2102	211	5	risk	risk	NOUN
ajssms-2102	211	6	management	management	NOUN
ajssms-2102	211	7	is	be	AUX
ajssms-2102	211	8	highly	highly	ADV
ajssms-2102	211	9	significant	significant	ADJ
ajssms-2102	211	10	in	in	ADP
ajssms-2102	211	11	predicting	predict	VERB
ajssms-2102	211	12	sustainability	sustainability	NOUN
ajssms-2102	211	13	and	and	CCONJ
ajssms-2102	211	14	survival	survival	NOUN
ajssms-2102	211	15	deposit	deposit	NOUN
ajssms-2102	211	16	money	money	NOUN
ajssms-2102	211	17	banks	bank	NOUN
ajssms-2102	211	18	in	in	ADP
ajssms-2102	211	19	jos	jos	PROPN
ajssms-2102	211	20	plateau	plateau	PROPN
ajssms-2102	211	21	state	state	PROPN
ajssms-2102	211	22	.	.	PUNCT
ajssms-2102	212	1	this	this	PRON
ajssms-2102	212	2	depicts	depict	VERB
ajssms-2102	212	3	that	that	SCONJ
ajssms-2102	212	4	income	income	NOUN
ajssms-2102	212	5	diversification	diversification	NOUN
ajssms-2102	212	6	,	,	PUNCT
ajssms-2102	212	7	sound	sound	ADJ
ajssms-2102	212	8	administration	administration	NOUN
ajssms-2102	212	9	and	and	CCONJ
ajssms-2102	212	10	finance	finance	NOUN
ajssms-2102	212	11	and	and	CCONJ
ajssms-2102	212	12	strategic	strategic	ADJ
ajssms-2102	212	13	financial	financial	ADJ
ajssms-2102	212	14	planning	planning	NOUN
ajssms-2102	212	15	jointly	jointly	ADV
ajssms-2102	212	16	explain	explain	VERB
ajssms-2102	212	17	enterprise	enterprise	NOUN
ajssms-2102	212	18	risk	risk	NOUN
ajssms-2102	212	19	management	management	NOUN
ajssms-2102	212	20	of	of	ADP
ajssms-2102	212	21	banks	bank	NOUN
ajssms-2102	212	22	in	in	ADP
ajssms-2102	212	23	jos	jos	PROPN
ajssms-2102	212	24	plateau	plateau	PROPN
ajssms-2102	212	25	state	state	PROPN
ajssms-2102	212	26	.	.	PUNCT
ajssms-2102	213	1	by	by	ADP
ajssms-2102	213	2	implication	implication	NOUN
ajssms-2102	213	3	,	,	PUNCT
ajssms-2102	213	4	despite	despite	SCONJ
ajssms-2102	213	5	other	other	ADJ
ajssms-2102	213	6	factors	factor	NOUN
ajssms-2102	213	7	role	role	NOUN
ajssms-2102	213	8	in	in	ADP
ajssms-2102	213	9	the	the	DET
ajssms-2102	213	10	determination	determination	NOUN
ajssms-2102	213	11	of	of	ADP
ajssms-2102	213	12	banks	bank	NOUN
ajssms-2102	213	13	survival	survival	NOUN
ajssms-2102	213	14	and	and	CCONJ
ajssms-2102	213	15	sustainability	sustainability	NOUN
ajssms-2102	213	16	,	,	PUNCT
ajssms-2102	213	17	the	the	DET
ajssms-2102	213	18	explanatory	explanatory	ADJ
ajssms-2102	213	19	factors	factor	NOUN
ajssms-2102	213	20	in	in	ADP
ajssms-2102	213	21	the	the	DET
ajssms-2102	213	22	model	model	NOUN
ajssms-2102	213	23	plays	play	VERB
ajssms-2102	213	24	an	an	DET
ajssms-2102	213	25	imperative	imperative	ADJ
ajssms-2102	213	26	role	role	NOUN
ajssms-2102	213	27	.	.	PUNCT
ajssms-2102	214	1	the	the	DET
ajssms-2102	214	2	result	result	NOUN
ajssms-2102	214	3	of	of	ADP
ajssms-2102	214	4	the	the	DET
ajssms-2102	214	5	coefficients	coefficient	NOUN
ajssms-2102	214	6	of	of	ADP
ajssms-2102	214	7	the	the	DET
ajssms-2102	214	8	explanatory	explanatory	ADJ
ajssms-2102	214	9	variables	variable	NOUN
ajssms-2102	214	10	is	be	AUX
ajssms-2102	214	11	presented	present	VERB
ajssms-2102	214	12	in	in	ADP
ajssms-2102	214	13	table	table	NOUN
ajssms-2102	214	14	9	9	NUM
ajssms-2102	214	15	.	.	PUNCT
ajssms-2102	215	1	table-9.coefficients	table-9.coefficient	NOUN
ajssms-2102	215	2	.	.	PUNCT
ajssms-2102	216	1	model	model	PROPN
ajssms-2102	216	2	unstandardized	unstandardized	ADJ
ajssms-2102	216	3	coefficients	coefficient	NOUN
ajssms-2102	216	4	standardized	standardize	VERB
ajssms-2102	216	5	coefficients	coefficient	NOUN
ajssms-2102	216	6	t	t	PROPN
ajssms-2102	216	7	sig	sig	PROPN
ajssms-2102	216	8	.	.	PUNCT
ajssms-2102	217	1	b	b	X
ajssms-2102	217	2	std	std	PROPN
ajssms-2102	217	3	.	.	NOUN
ajssms-2102	217	4	error	error	NOUN
ajssms-2102	217	5	beta	beta	NOUN
ajssms-2102	217	6	1	1	NUM
ajssms-2102	217	7	(	(	PUNCT
ajssms-2102	217	8	constant	constant	ADJ
ajssms-2102	217	9	)	)	PUNCT
ajssms-2102	217	10	1.209	1.209	NUM
ajssms-2102	217	11	0.272	0.272	NUM
ajssms-2102	217	12	4.449	4.449	NUM
ajssms-2102	217	13	0.000	0.000	NUM
ajssms-2102	217	14	sfp	sfp	PROPN
ajssms-2102	217	15	0.613	0.613	NUM
ajssms-2102	217	16	0.071	0.071	NUM
ajssms-2102	217	17	0.666	0.666	NUM
ajssms-2102	217	18	8.601	8.601	NUM
ajssms-2102	217	19	0.000	0.000	NUM
ajssms-2102	217	20	incd	incd	NOUN
ajssms-2102	217	21	0.066	0.066	NUM
ajssms-2102	217	22	0.059	0.059	NUM
ajssms-2102	217	23	0.092	0.092	NUM
ajssms-2102	217	24	1.117	1.117	NUM
ajssms-2102	217	25	0.267	0.267	NUM
ajssms-2102	217	26	saf	saf	NOUN
ajssms-2102	217	27	0.051	0.051	NUM
ajssms-2102	217	28	0.075	0.075	NUM
ajssms-2102	217	29	0.055	0.055	NUM
ajssms-2102	217	30	0.676	0.676	NUM
ajssms-2102	217	31	0.501	0.501	NUM
ajssms-2102	217	32	table	table	NOUN
ajssms-2102	217	33	9	9	NUM
ajssms-2102	217	34	shows	show	VERB
ajssms-2102	217	35	the	the	DET
ajssms-2102	217	36	contribution	contribution	NOUN
ajssms-2102	217	37	of	of	ADP
ajssms-2102	217	38	each	each	DET
ajssms-2102	217	39	variable	variable	NOUN
ajssms-2102	217	40	in	in	ADP
ajssms-2102	217	41	explaining	explain	VERB
ajssms-2102	217	42	enterprise	enterprise	NOUN
ajssms-2102	217	43	risk	risk	NOUN
ajssms-2102	217	44	management	management	NOUN
ajssms-2102	217	45	with	with	ADP
ajssms-2102	217	46	survival	survival	NOUN
ajssms-2102	217	47	and	and	CCONJ
ajssms-2102	217	48	sustainability	sustainability	NOUN
ajssms-2102	217	49	of	of	ADP
ajssms-2102	217	50	the	the	DET
ajssms-2102	217	51	banks	bank	NOUN
ajssms-2102	217	52	as	as	SCONJ
ajssms-2102	217	53	shown	show	VERB
ajssms-2102	217	54	by	by	ADP
ajssms-2102	217	55	unstandardized	unstandardized	ADJ
ajssms-2102	217	56	beta	beta	ADJ
ajssms-2102	217	57	values	value	NOUN
ajssms-2102	217	58	which	which	PRON
ajssms-2102	217	59	assess	assess	VERB
ajssms-2102	217	60	the	the	DET
ajssms-2102	217	61	contribution	contribution	NOUN
ajssms-2102	217	62	of	of	ADP
ajssms-2102	217	63	each	each	DET
ajssms-2102	217	64	variable	variable	NOUN
ajssms-2102	217	65	towards	towards	ADP
ajssms-2102	217	66	the	the	DET
ajssms-2102	217	67	prediction	prediction	NOUN
ajssms-2102	217	68	of	of	ADP
ajssms-2102	217	69	the	the	DET
ajssms-2102	217	70	dependent	dependent	ADJ
ajssms-2102	217	71	variable	variable	NOUN
ajssms-2102	217	72	.	.	PUNCT
ajssms-2102	218	1	the	the	DET
ajssms-2102	218	2	coefficient	coefficient	NOUN
ajssms-2102	218	3	of	of	ADP
ajssms-2102	218	4	the	the	DET
ajssms-2102	218	5	constant	constant	ADJ
ajssms-2102	218	6	is	be	AUX
ajssms-2102	218	7	1.209	1.209	NUM
ajssms-2102	218	8	and	and	CCONJ
ajssms-2102	218	9	significant	significant	ADJ
ajssms-2102	218	10	given	give	VERB
ajssms-2102	218	11	the	the	DET
ajssms-2102	218	12	probability	probability	NOUN
ajssms-2102	218	13	value	value	NOUN
ajssms-2102	218	14	of	of	ADP
ajssms-2102	218	15	zero	zero	NUM
ajssms-2102	218	16	.	.	PUNCT
ajssms-2102	219	1	this	this	PRON
ajssms-2102	219	2	means	mean	VERB
ajssms-2102	219	3	that	that	SCONJ
ajssms-2102	219	4	enterprise	enterprise	NOUN
ajssms-2102	219	5	risk	risk	NOUN
ajssms-2102	219	6	management	management	NOUN
ajssms-2102	219	7	toward	toward	ADP
ajssms-2102	219	8	banks	bank	NOUN
ajssms-2102	219	9	’	'	PUNCT
ajssms-2102	219	10	sustainability	sustainability	NOUN
ajssms-2102	219	11	is	be	AUX
ajssms-2102	219	12	positive	positive	ADJ
ajssms-2102	219	13	without	without	ADP
ajssms-2102	219	14	the	the	DET
ajssms-2102	219	15	interplay	interplay	NOUN
ajssms-2102	219	16	of	of	ADP
ajssms-2102	219	17	the	the	DET
ajssms-2102	219	18	explanatory	explanatory	ADJ
ajssms-2102	219	19	variables	variable	NOUN
ajssms-2102	219	20	in	in	ADP
ajssms-2102	219	21	the	the	DET
ajssms-2102	219	22	model	model	NOUN
ajssms-2102	219	23	.	.	PUNCT
ajssms-2102	220	1	however	however	ADV
ajssms-2102	220	2	,	,	PUNCT
ajssms-2102	220	3	strategic	strategic	ADJ
ajssms-2102	220	4	and	and	CCONJ
ajssms-2102	220	5	financial	financial	ADJ
ajssms-2102	220	6	planning	planning	NOUN
ajssms-2102	220	7	has	have	VERB
ajssms-2102	220	8	a	a	DET
ajssms-2102	220	9	positive	positive	ADJ
ajssms-2102	220	10	coefficient	coefficient	NOUN
ajssms-2102	220	11	of	of	ADP
ajssms-2102	220	12	0.613	0.613	NUM
ajssms-2102	220	13	.	.	PUNCT
ajssms-2102	221	1	this	this	PRON
ajssms-2102	221	2	conformed	conform	VERB
ajssms-2102	221	3	to	to	PART
ajssms-2102	221	4	apriori	apriori	ADV
ajssms-2102	221	5	expectation	expectation	NOUN
ajssms-2102	221	6	.	.	PUNCT
ajssms-2102	222	1	though	though	ADV
ajssms-2102	222	2	,	,	PUNCT
ajssms-2102	222	3	the	the	DET
ajssms-2102	222	4	coefficient	coefficient	NOUN
ajssms-2102	222	5	is	be	AUX
ajssms-2102	222	6	positive	positive	ADJ
ajssms-2102	222	7	and	and	CCONJ
ajssms-2102	222	8	explained	explain	VERB
ajssms-2102	222	9	61.3	61.3	NUM
ajssms-2102	222	10	%	%	NOUN
ajssms-2102	222	11	contribution	contribution	NOUN
ajssms-2102	222	12	to	to	ADP
ajssms-2102	222	13	banks	bank	NOUN
ajssms-2102	222	14	’	'	PUNCT
ajssms-2102	222	15	sustainability	sustainability	NOUN
ajssms-2102	222	16	,	,	PUNCT
ajssms-2102	222	17	the	the	DET
ajssms-2102	222	18	variable	variable	NOUN
ajssms-2102	222	19	remained	remain	VERB
ajssms-2102	222	20	significant	significant	ADJ
ajssms-2102	222	21	at	at	ADP
ajssms-2102	222	22	5	5	NUM
ajssms-2102	222	23	%	%	NOUN
ajssms-2102	222	24	level	level	NOUN
ajssms-2102	222	25	of	of	ADP
ajssms-2102	222	26	significance	significance	NOUN
ajssms-2102	222	27	(	(	PUNCT
ajssms-2102	222	28	0.05	0.05	NUM
ajssms-2102	222	29	less	less	ADJ
ajssms-2102	222	30	than	than	ADP
ajssms-2102	222	31	0.000	0.000	NUM
ajssms-2102	222	32	)	)	PUNCT
ajssms-2102	222	33	.	.	PUNCT
ajssms-2102	223	1	this	this	PRON
ajssms-2102	223	2	means	mean	VERB
ajssms-2102	223	3	that	that	SCONJ
ajssms-2102	223	4	1	1	NUM
ajssms-2102	223	5	%	%	NOUN
ajssms-2102	223	6	increase	increase	NOUN
ajssms-2102	223	7	in	in	ADP
ajssms-2102	223	8	strategic	strategic	ADJ
ajssms-2102	223	9	and	and	CCONJ
ajssms-2102	223	10	financial	financial	ADJ
ajssms-2102	223	11	planning	planning	NOUN
ajssms-2102	223	12	would	would	AUX
ajssms-2102	223	13	amount	amount	VERB
ajssms-2102	223	14	to	to	ADP
ajssms-2102	223	15	61.3	61.3	NUM
ajssms-2102	223	16	%	%	NOUN
ajssms-2102	223	17	increase	increase	NOUN
ajssms-2102	223	18	in	in	ADP
ajssms-2102	223	19	banks	bank	NOUN
ajssms-2102	223	20	sustainability	sustainability	NOUN
ajssms-2102	223	21	in	in	ADP
ajssms-2102	223	22	nigeria	nigeria	PROPN
ajssms-2102	223	23	.	.	PUNCT
ajssms-2102	224	1	in	in	ADP
ajssms-2102	224	2	addition	addition	NOUN
ajssms-2102	224	3	,	,	PUNCT
ajssms-2102	224	4	income	income	NOUN
ajssms-2102	224	5	diversification	diversification	NOUN
ajssms-2102	224	6	also	also	ADV
ajssms-2102	224	7	conformed	conform	VERB
ajssms-2102	224	8	to	to	PART
ajssms-2102	224	9	apriori	apriori	VERB
ajssms-2102	224	10	expectation	expectation	NOUN
ajssms-2102	224	11	of	of	ADP
ajssms-2102	224	12	a	a	DET
ajssms-2102	224	13	positive	positive	ADJ
ajssms-2102	224	14	value	value	NOUN
ajssms-2102	224	15	.	.	PUNCT
ajssms-2102	225	1	this	this	PRON
ajssms-2102	225	2	is	be	AUX
ajssms-2102	225	3	depicted	depict	VERB
ajssms-2102	225	4	by	by	ADP
ajssms-2102	225	5	the	the	DET
ajssms-2102	225	6	coefficient	coefficient	NOUN
ajssms-2102	225	7	of	of	ADP
ajssms-2102	225	8	0.066	0.066	NUM
ajssms-2102	225	9	.	.	PUNCT
ajssms-2102	226	1	the	the	DET
ajssms-2102	226	2	probability	probability	NOUN
ajssms-2102	226	3	value	value	NOUN
ajssms-2102	226	4	of	of	ADP
ajssms-2102	226	5	0.267	0.267	NUM
ajssms-2102	226	6	is	be	AUX
ajssms-2102	226	7	greater	great	ADJ
ajssms-2102	226	8	than	than	ADP
ajssms-2102	226	9	0.05	0.05	NUM
ajssms-2102	226	10	level	level	NOUN
ajssms-2102	226	11	of	of	ADP
ajssms-2102	226	12	significant	significant	ADJ
ajssms-2102	226	13	.	.	PUNCT
ajssms-2102	227	1	this	this	PRON
ajssms-2102	227	2	means	mean	VERB
ajssms-2102	227	3	that	that	SCONJ
ajssms-2102	227	4	the	the	DET
ajssms-2102	227	5	variable	variable	NOUN
ajssms-2102	227	6	contributed	contribute	VERB
ajssms-2102	227	7	positively	positively	ADV
ajssms-2102	227	8	to	to	ADP
ajssms-2102	227	9	the	the	DET
ajssms-2102	227	10	tune	tune	NOUN
ajssms-2102	227	11	of	of	ADP
ajssms-2102	227	12	6.6	6.6	NUM
ajssms-2102	227	13	%	%	NOUN
ajssms-2102	227	14	to	to	AUX
ajssms-2102	227	15	banks	bank	NOUN
ajssms-2102	227	16	sustainability	sustainability	NOUN
ajssms-2102	227	17	in	in	ADP
ajssms-2102	227	18	jos	jos	PROPN
ajssms-2102	227	19	.	.	PROPN
ajssms-2102	228	1	a	a	DET
ajssms-2102	228	2	1	1	NUM
ajssms-2102	228	3	%	%	NOUN
ajssms-2102	228	4	increase	increase	NOUN
ajssms-2102	228	5	in	in	ADP
ajssms-2102	228	6	income	income	NOUN
ajssms-2102	228	7	diversification	diversification	NOUN
ajssms-2102	228	8	of	of	ADP
ajssms-2102	228	9	banks	bank	NOUN
ajssms-2102	228	10	would	would	AUX
ajssms-2102	228	11	lead	lead	VERB
ajssms-2102	228	12	to	to	ADP
ajssms-2102	228	13	6.6	6.6	NUM
ajssms-2102	228	14	%	%	NOUN
ajssms-2102	228	15	increase	increase	NOUN
ajssms-2102	228	16	in	in	ADP
ajssms-2102	228	17	banks	bank	NOUN
ajssms-2102	228	18	sustainability	sustainability	NOUN
ajssms-2102	228	19	and	and	CCONJ
ajssms-2102	228	20	survival	survival	NOUN
ajssms-2102	228	21	in	in	ADP
ajssms-2102	228	22	nigeria	nigeria	PROPN
ajssms-2102	228	23	.	.	PUNCT
ajssms-2102	229	1	on	on	ADP
ajssms-2102	229	2	the	the	DET
ajssms-2102	229	3	other	other	ADJ
ajssms-2102	229	4	hand	hand	NOUN
ajssms-2102	229	5	,	,	PUNCT
ajssms-2102	229	6	sound	sound	ADJ
ajssms-2102	229	7	administration	administration	NOUN
ajssms-2102	229	8	and	and	CCONJ
ajssms-2102	229	9	finance	finance	NOUN
ajssms-2102	229	10	of	of	ADP
ajssms-2102	229	11	bank	bank	NOUN
ajssms-2102	229	12	is	be	AUX
ajssms-2102	229	13	statistically	statistically	ADV
ajssms-2102	229	14	significant	significant	ADJ
ajssms-2102	229	15	given	give	VERB
ajssms-2102	229	16	the	the	DET
ajssms-2102	229	17	probability	probability	NOUN
ajssms-2102	229	18	of	of	ADP
ajssms-2102	229	19	0.501	0.501	NUM
ajssms-2102	229	20	which	which	PRON
ajssms-2102	229	21	is	be	AUX
ajssms-2102	229	22	greater	great	ADJ
ajssms-2102	229	23	than	than	ADP
ajssms-2102	229	24	0.05	0.05	NUM
ajssms-2102	229	25	level	level	NOUN
ajssms-2102	229	26	of	of	ADP
ajssms-2102	229	27	significant	significant	ADJ
ajssms-2102	229	28	.	.	PUNCT
ajssms-2102	230	1	the	the	DET
ajssms-2102	230	2	coefficient	coefficient	NOUN
ajssms-2102	230	3	of	of	ADP
ajssms-2102	230	4	sound	sound	ADJ
ajssms-2102	230	5	administration	administration	NOUN
ajssms-2102	230	6	and	and	CCONJ
ajssms-2102	230	7	financial	financial	ADJ
ajssms-2102	230	8	management	management	NOUN
ajssms-2102	230	9	is	be	AUX
ajssms-2102	230	10	5.1	5.1	NUM
ajssms-2102	230	11	%	%	NOUN
ajssms-2102	230	12	.	.	PUNCT
ajssms-2102	231	1	this	this	PRON
ajssms-2102	231	2	means	mean	VERB
ajssms-2102	231	3	that	that	SCONJ
ajssms-2102	231	4	sound	sound	NOUN
ajssms-2102	231	5	administration	administration	NOUN
ajssms-2102	231	6	and	and	CCONJ
ajssms-2102	231	7	financial	financial	ADJ
ajssms-2102	231	8	management	management	NOUN
ajssms-2102	231	9	contributes	contribute	VERB
ajssms-2102	231	10	positively	positively	ADV
ajssms-2102	231	11	to	to	ADP
ajssms-2102	231	12	banks	bank	NOUN
ajssms-2102	231	13	sustainability	sustainability	NOUN
ajssms-2102	231	14	and	and	CCONJ
ajssms-2102	231	15	survival	survival	NOUN
ajssms-2102	231	16	to	to	ADP
ajssms-2102	231	17	the	the	DET
ajssms-2102	231	18	tune	tune	NOUN
ajssms-2102	231	19	of	of	ADP
ajssms-2102	231	20	5.1	5.1	NUM
ajssms-2102	231	21	%	%	NOUN
ajssms-2102	231	22	.	.	PUNCT
ajssms-2102	232	1	by	by	ADP
ajssms-2102	232	2	implication	implication	NOUN
ajssms-2102	232	3	,	,	PUNCT
ajssms-2102	232	4	a	a	DET
ajssms-2102	232	5	1	1	NUM
ajssms-2102	232	6	%	%	NOUN
ajssms-2102	232	7	increase	increase	NOUN
ajssms-2102	232	8	in	in	ADP
ajssms-2102	232	9	sound	sound	ADJ
ajssms-2102	232	10	administration	administration	NOUN
ajssms-2102	232	11	and	and	CCONJ
ajssms-2102	232	12	financial	financial	ADJ
ajssms-2102	232	13	management	management	NOUN
ajssms-2102	232	14	bank	bank	NOUN
ajssms-2102	232	15	would	would	AUX
ajssms-2102	232	16	lead	lead	VERB
ajssms-2102	232	17	to	to	ADP
ajssms-2102	232	18	5.1	5.1	NUM
ajssms-2102	232	19	%	%	NOUN
ajssms-2102	232	20	increase	increase	NOUN
ajssms-2102	232	21	in	in	ADP
ajssms-2102	232	22	banks	bank	NOUN
ajssms-2102	232	23	sustainability	sustainability	NOUN
ajssms-2102	232	24	and	and	CCONJ
ajssms-2102	232	25	survival	survival	NOUN
ajssms-2102	232	26	in	in	ADP
ajssms-2102	232	27	nigeria	nigeria	PROPN
ajssms-2102	232	28	.	.	PUNCT
ajssms-2102	233	1	5	5	X
ajssms-2102	233	2	.	.	X
ajssms-2102	233	3	conclusion	conclusion	NOUN
ajssms-2102	233	4	and	and	CCONJ
ajssms-2102	233	5	recommendations	recommendation	NOUN
ajssms-2102	233	6	this	this	DET
ajssms-2102	233	7	study	study	NOUN
ajssms-2102	233	8	assessed	assess	VERB
ajssms-2102	233	9	the	the	DET
ajssms-2102	233	10	effect	effect	NOUN
ajssms-2102	233	11	of	of	ADP
ajssms-2102	233	12	enterprise	enterprise	NOUN
ajssms-2102	233	13	risk	risk	NOUN
ajssms-2102	233	14	management	management	NOUN
ajssms-2102	233	15	on	on	ADP
ajssms-2102	233	16	sustainability	sustainability	NOUN
ajssms-2102	233	17	and	and	CCONJ
ajssms-2102	233	18	survival	survival	NOUN
ajssms-2102	233	19	of	of	ADP
ajssms-2102	233	20	deposit	deposit	NOUN
ajssms-2102	233	21	money	money	NOUN
ajssms-2102	233	22	banks	bank	NOUN
ajssms-2102	233	23	in	in	ADP
ajssms-2102	233	24	nigeria	nigeria	PROPN
ajssms-2102	233	25	.	.	PUNCT
ajssms-2102	234	1	on	on	ADP
ajssms-2102	234	2	overall	overall	ADJ
ajssms-2102	234	3	basis	basis	NOUN
ajssms-2102	234	4	,	,	PUNCT
ajssms-2102	234	5	findings	finding	NOUN
ajssms-2102	234	6	revealed	reveal	VERB
ajssms-2102	234	7	that	that	SCONJ
ajssms-2102	234	8	enterprise	enterprise	NOUN
ajssms-2102	234	9	risk	risk	NOUN
ajssms-2102	234	10	management	management	NOUN
ajssms-2102	234	11	is	be	AUX
ajssms-2102	234	12	a	a	DET
ajssms-2102	234	13	necessity	necessity	NOUN
ajssms-2102	234	14	for	for	SCONJ
ajssms-2102	234	15	financial	financial	ADJ
ajssms-2102	234	16	institutions	institution	NOUN
ajssms-2102	234	17	to	to	PART
ajssms-2102	234	18	survive	survive	VERB
ajssms-2102	234	19	and	and	CCONJ
ajssms-2102	234	20	thrive	thrive	VERB
ajssms-2102	234	21	in	in	ADP
ajssms-2102	234	22	the	the	DET
ajssms-2102	234	23	long	long	ADJ
ajssms-2102	234	24	term	term	NOUN
ajssms-2102	234	25	.	.	PUNCT
ajssms-2102	235	1	it	it	PRON
ajssms-2102	235	2	further	far	ADV
ajssms-2102	235	3	reveals	reveal	VERB
ajssms-2102	235	4	on	on	ADP
ajssms-2102	235	5	individual	individual	ADJ
ajssms-2102	235	6	basis	basis	NOUN
ajssms-2102	235	7	that	that	SCONJ
ajssms-2102	235	8	there	there	PRON
ajssms-2102	235	9	is	be	VERB
ajssms-2102	235	10	a	a	DET
ajssms-2102	235	11	significant	significant	ADJ
ajssms-2102	235	12	relationship	relationship	NOUN
ajssms-2102	235	13	between	between	ADP
ajssms-2102	235	14	erm	erm	PROPN
ajssms-2102	235	15	andstrategic	andstrategic	PROPN
ajssms-2102	235	16	and	and	CCONJ
ajssms-2102	235	17	financial	financial	ADJ
ajssms-2102	235	18	plan	plan	NOUN
ajssms-2102	235	19	,	,	PUNCT
ajssms-2102	235	20	income	income	NOUN
ajssms-2102	235	21	diversification	diversification	NOUN
ajssms-2102	235	22	and	and	CCONJ
ajssms-2102	235	23	sound	sound	NOUN
ajssms-2102	235	24	administration	administration	NOUN
ajssms-2102	235	25	and	and	CCONJ
ajssms-2102	235	26	financial	financial	ADJ
ajssms-2102	235	27	management	management	NOUN
ajssms-2102	235	28	.	.	PUNCT
ajssms-2102	236	1	in	in	ADP
ajssms-2102	236	2	view	view	NOUN
ajssms-2102	236	3	of	of	ADP
ajssms-2102	236	4	the	the	DET
ajssms-2102	236	5	above	above	ADJ
ajssms-2102	236	6	assertion	assertion	NOUN
ajssms-2102	236	7	,	,	PUNCT
ajssms-2102	236	8	the	the	DET
ajssms-2102	236	9	following	follow	VERB
ajssms-2102	236	10	recommendations	recommendation	NOUN
ajssms-2102	236	11	were	be	AUX
ajssms-2102	236	12	made	make	VERB
ajssms-2102	236	13	:	:	PUNCT
ajssms-2102	236	14	asian	asian	ADJ
ajssms-2102	236	15	journal	journal	NOUN
ajssms-2102	236	16	of	of	ADP
ajssms-2102	236	17	social	social	ADJ
ajssms-2102	236	18	sciences	sciences	PROPN
ajssms-2102	236	19	and	and	CCONJ
ajssms-2102	236	20	management	management	NOUN
ajssms-2102	236	21	studies	study	NOUN
ajssms-2102	236	22	,	,	PUNCT
ajssms-2102	236	23	2020	2020	NUM
ajssms-2102	236	24	,	,	PUNCT
ajssms-2102	236	25	7(3	7(3	NUM
ajssms-2102	236	26	):	):	PUNCT
ajssms-2102	236	27	250	250	NUM
ajssms-2102	236	28	-	-	SYM
ajssms-2102	236	29	257	257	NUM
ajssms-2102	236	30	257	257	NUM
ajssms-2102	236	31	©	©	ADP
ajssms-2102	236	32	2020	2020	NUM
ajssms-2102	236	33	by	by	ADP
ajssms-2102	236	34	the	the	DET
ajssms-2102	236	35	authors	author	NOUN
ajssms-2102	236	36	;	;	PUNCT
ajssms-2102	236	37	licensee	licensee	PROPN
ajssms-2102	236	38	asian	asian	ADJ
ajssms-2102	236	39	online	online	PROPN
ajssms-2102	236	40	journal	journal	PROPN
ajssms-2102	236	41	publishing	publishing	NOUN
ajssms-2102	236	42	group	group	NOUN
ajssms-2102	236	43	in	in	ADP
ajssms-2102	236	44	other	other	ADJ
ajssms-2102	236	45	to	to	PART
ajssms-2102	236	46	remain	remain	VERB
ajssms-2102	236	47	relevant	relevant	ADJ
ajssms-2102	236	48	and	and	CCONJ
ajssms-2102	236	49	financially	financially	ADV
ajssms-2102	236	50	successful	successful	ADJ
ajssms-2102	236	51	in	in	ADP
ajssms-2102	236	52	the	the	DET
ajssms-2102	236	53	face	face	NOUN
ajssms-2102	236	54	of	of	ADP
ajssms-2102	236	55	growing	grow	VERB
ajssms-2102	236	56	competitive	competitive	ADJ
ajssms-2102	236	57	banking	banking	NOUN
ajssms-2102	236	58	environment	environment	NOUN
ajssms-2102	236	59	,	,	PUNCT
ajssms-2102	236	60	shorter	short	ADJ
ajssms-2102	236	61	product	product	NOUN
ajssms-2102	236	62	lifecycle	lifecycle	NOUN
ajssms-2102	236	63	,	,	PUNCT
ajssms-2102	236	64	and	and	CCONJ
ajssms-2102	236	65	continuous	continuous	ADJ
ajssms-2102	236	66	modifications	modification	NOUN
ajssms-2102	236	67	in	in	ADP
ajssms-2102	236	68	innovative	innovative	ADJ
ajssms-2102	236	69	technologies	technology	NOUN
ajssms-2102	236	70	,	,	PUNCT
ajssms-2102	236	71	it	it	PRON
ajssms-2102	236	72	is	be	AUX
ajssms-2102	236	73	imperative	imperative	ADJ
ajssms-2102	236	74	that	that	SCONJ
ajssms-2102	236	75	financial	financial	ADJ
ajssms-2102	236	76	institutions	institution	NOUN
ajssms-2102	236	77	readjust	readjust	VERB
ajssms-2102	236	78	their	their	PRON
ajssms-2102	236	79	strategic	strategic	ADJ
ajssms-2102	236	80	financial	financial	ADJ
ajssms-2102	236	81	plans	plan	NOUN
ajssms-2102	236	82	and	and	CCONJ
ajssms-2102	236	83	increase	increase	VERB
ajssms-2102	236	84	their	their	PRON
ajssms-2102	236	85	income	income	NOUN
ajssms-2102	236	86	diversification	diversification	NOUN
ajssms-2102	236	87	base	base	NOUN
ajssms-2102	236	88	to	to	PART
ajssms-2102	236	89	combat	combat	VERB
ajssms-2102	236	90	adverse	adverse	ADJ
ajssms-2102	236	91	impacts	impact	NOUN
ajssms-2102	236	92	of	of	ADP
ajssms-2102	236	93	risks	risk	NOUN
ajssms-2102	236	94	and	and	CCONJ
ajssms-2102	236	95	uncertainty	uncertainty	NOUN
ajssms-2102	236	96	in	in	ADP
ajssms-2102	236	97	bank	bank	NOUN
ajssms-2102	236	98	transactions	transaction	NOUN
ajssms-2102	236	99	;	;	PUNCT
ajssms-2102	236	100	more	more	ADV
ajssms-2102	236	101	so	so	ADV
ajssms-2102	236	102	,	,	PUNCT
ajssms-2102	236	103	to	to	PART
ajssms-2102	236	104	keep	keep	VERB
ajssms-2102	236	105	up	up	ADP
ajssms-2102	236	106	with	with	ADP
ajssms-2102	236	107	global	global	ADJ
ajssms-2102	236	108	trends	trend	NOUN
ajssms-2102	236	109	,	,	PUNCT
ajssms-2102	236	110	financial	financial	ADJ
ajssms-2102	236	111	institutions	institution	NOUN
ajssms-2102	236	112	should	should	AUX
ajssms-2102	236	113	not	not	PART
ajssms-2102	236	114	underestimate	underestimate	VERB
ajssms-2102	236	115	the	the	DET
ajssms-2102	236	116	role	role	NOUN
ajssms-2102	236	117	sound	sound	NOUN
ajssms-2102	236	118	administration	administration	NOUN
ajssms-2102	236	119	and	and	CCONJ
ajssms-2102	236	120	financial	financial	ADJ
ajssms-2102	236	121	management	management	NOUN
ajssms-2102	236	122	plays	play	VERB
ajssms-2102	236	123	in	in	ADP
ajssms-2102	236	124	reducing	reduce	VERB
ajssms-2102	236	125	attendant	attendant	ADJ
ajssms-2102	236	126	cost	cost	NOUN
ajssms-2102	236	127	and	and	CCONJ
ajssms-2102	236	128	in	in	ADP
ajssms-2102	236	129	forestalling	forestall	VERB
ajssms-2102	236	130	future	future	ADJ
ajssms-2102	236	131	financial	financial	ADJ
ajssms-2102	236	132	crisis	crisis	NOUN
ajssms-2102	236	133	.	.	PUNCT
ajssms-2102	237	1	references	reference	NOUN
ajssms-2102	237	2	arena	arena	NOUN
ajssms-2102	237	3	,	,	PUNCT
ajssms-2102	237	4	m.	m.	NOUN
ajssms-2102	237	5	,	,	PUNCT
ajssms-2102	237	6	arnaboldi	arnaboldi	NOUN
ajssms-2102	237	7	,	,	PUNCT
ajssms-2102	237	8	m.	m.	NOUN
ajssms-2102	237	9	,	,	PUNCT
ajssms-2102	237	10	&	&	CCONJ
ajssms-2102	237	11	azzone	azzone	PROPN
ajssms-2102	237	12	,	,	PUNCT
ajssms-2102	237	13	g.	g.	PROPN
ajssms-2102	237	14	(	(	PUNCT
ajssms-2102	237	15	2010	2010	NUM
ajssms-2102	237	16	)	)	PUNCT
ajssms-2102	237	17	.	.	PUNCT
ajssms-2102	238	1	the	the	DET
ajssms-2102	238	2	organizational	organizational	ADJ
ajssms-2102	238	3	dynamics	dynamic	NOUN
ajssms-2102	238	4	of	of	ADP
ajssms-2102	238	5	enterprise	enterprise	NOUN
ajssms-2102	238	6	risk	risk	NOUN
ajssms-2102	238	7	management	management	NOUN
ajssms-2102	238	8	.	.	PUNCT
ajssms-2102	239	1	accounting	accounting	NOUN
ajssms-2102	239	2	,	,	PUNCT
ajssms-2102	239	3	organizations	organization	NOUN
ajssms-2102	239	4	and	and	CCONJ
ajssms-2102	239	5	society	society	NOUN
ajssms-2102	239	6	,	,	PUNCT
ajssms-2102	239	7	35(7	35(7	NUM
ajssms-2102	239	8	)	)	PUNCT
ajssms-2102	239	9	,	,	PUNCT
ajssms-2102	239	10	659	659	NUM
ajssms-2102	239	11	-	-	SYM
ajssms-2102	239	12	675	675	NUM
ajssms-2102	239	13	.	.	PUNCT
ajssms-2102	240	1	beasley	beasley	PROPN
ajssms-2102	240	2	,	,	PUNCT
ajssms-2102	240	3	j.	j.	PROPN
ajssms-2102	240	4	,	,	PUNCT
ajssms-2102	240	5	barron	barron	PROPN
ajssms-2102	240	6	,	,	PUNCT
ajssms-2102	240	7	w.	w.	PROPN
ajssms-2102	240	8	,	,	PUNCT
ajssms-2102	240	9	burnside	burnside	PROPN
ajssms-2102	240	10	,	,	PUNCT
ajssms-2102	240	11	e.	e.	PROPN
ajssms-2102	240	12	,	,	PUNCT
ajssms-2102	240	13	hamatake	hamatake	PROPN
ajssms-2102	240	14	,	,	PUNCT
ajssms-2102	240	15	b.	b.	PROPN
ajssms-2102	240	16	,	,	PUNCT
ajssms-2102	240	17	&	&	CCONJ
ajssms-2102	240	18	powers	power	NOUN
ajssms-2102	240	19	,	,	PUNCT
ajssms-2102	240	20	k.	k.	PROPN
ajssms-2102	240	21	(	(	PUNCT
ajssms-2102	240	22	2005	2005	NUM
ajssms-2102	240	23	)	)	PUNCT
ajssms-2102	240	24	.	.	PUNCT
ajssms-2102	241	1	subcutaneous	subcutaneous	ADJ
ajssms-2102	241	2	infusion	infusion	NOUN
ajssms-2102	241	3	devices	device	NOUN
ajssms-2102	241	4	:	:	PUNCT
ajssms-2102	241	5	u.s	u.s	PROPN
ajssms-2102	241	6	.	.	PROPN
ajssms-2102	241	7	patent	patent	NOUN
ajssms-2102	241	8	application	application	NOUN
ajssms-2102	241	9	no	no	INTJ
ajssms-2102	241	10	.	.	PROPN
ajssms-2102	241	11	11/146,807	11/146,807	NUM
ajssms-2102	241	12	.	.	X
ajssms-2102	241	13	beasley	beasley	PROPN
ajssms-2102	241	14	,	,	PUNCT
ajssms-2102	241	15	m.	m.	NOUN
ajssms-2102	241	16	,	,	PUNCT
ajssms-2102	241	17	branson	branson	PROPN
ajssms-2102	241	18	,	,	PUNCT
ajssms-2102	241	19	b.	b.	PROPN
ajssms-2102	241	20	,	,	PUNCT
ajssms-2102	241	21	&	&	CCONJ
ajssms-2102	241	22	hancock	hancock	PROPN
ajssms-2102	241	23	,	,	PUNCT
ajssms-2102	241	24	b.	b.	PROPN
ajssms-2102	241	25	(	(	PUNCT
ajssms-2102	241	26	2010	2010	NUM
ajssms-2102	241	27	)	)	PUNCT
ajssms-2102	241	28	.	.	PUNCT
ajssms-2102	242	1	report	report	NOUN
ajssms-2102	242	2	on	on	ADP
ajssms-2102	242	3	the	the	DET
ajssms-2102	242	4	current	current	ADJ
ajssms-2102	242	5	state	state	NOUN
ajssms-2102	242	6	of	of	ADP
ajssms-2102	242	7	enterprise	enterprise	NOUN
ajssms-2102	242	8	risk	risk	NOUN
ajssms-2102	242	9	oversight	oversight	NOUN
ajssms-2102	242	10	,	,	PUNCT
ajssms-2102	242	11	the	the	DET
ajssms-2102	242	12	erm	erm	PROPN
ajssms-2102	242	13	initiative	initiative	NOUN
ajssms-2102	242	14	at	at	ADP
ajssms-2102	242	15	north	north	NOUN
ajssms-2102	242	16	.	.	PUNCT
ajssms-2102	243	1	raleigh	raleigh	PROPN
ajssms-2102	243	2	,	,	PUNCT
ajssms-2102	243	3	nc	nc	PROPN
ajssms-2102	243	4	:	:	PUNCT
ajssms-2102	243	5	carolina	carolina	PROPN
ajssms-2102	243	6	state	state	PROPN
ajssms-2102	243	7	university	university	PROPN
ajssms-2102	243	8	.	.	PUNCT
ajssms-2102	244	1	boas	boas	PROPN
ajssms-2102	244	2	,	,	PUNCT
ajssms-2102	244	3	k.	k.	PROPN
ajssms-2102	244	4	(	(	PUNCT
ajssms-2102	244	5	2012	2012	NUM
ajssms-2102	244	6	)	)	PUNCT
ajssms-2102	244	7	.	.	PUNCT
ajssms-2102	245	1	indicators	indicator	NOUN
ajssms-2102	245	2	of	of	ADP
ajssms-2102	245	3	financial	financial	ADJ
ajssms-2102	245	4	sustainability	sustainability	NOUN
ajssms-2102	245	5	.	.	PUNCT
ajssms-2102	246	1	retrieved	retrieve	VERB
ajssms-2102	246	2	from	from	ADP
ajssms-2102	246	3	:	:	PUNCT
ajssms-2102	246	4	http://www.thesustainablengo.org/improvingfinancialviability/financial-sustainability-indicators	http://www.thesustainablengo.org/improvingfinancialviability/financial-sustainability-indicators	PROPN
ajssms-2102	247	1	.	.	PUNCT
ajssms-2102	247	2	bouma	bouma	PROPN
ajssms-2102	247	3	,	,	PUNCT
ajssms-2102	247	4	j.	j.	PROPN
ajssms-2102	247	5	j.	j.	PROPN
ajssms-2102	247	6	,	,	PUNCT
ajssms-2102	247	7	jeucken	jeucken	PROPN
ajssms-2102	247	8	,	,	PUNCT
ajssms-2102	247	9	m.	m.	NOUN
ajssms-2102	247	10	,	,	PUNCT
ajssms-2102	247	11	&	&	CCONJ
ajssms-2102	247	12	kilkers	kilker	NOUN
ajssms-2102	247	13	,	,	PUNCT
ajssms-2102	247	14	l.	l.	PROPN
ajssms-2102	247	15	(	(	PUNCT
ajssms-2102	247	16	2001	2001	NUM
ajssms-2102	247	17	)	)	PUNCT
ajssms-2102	247	18	.	.	PUNCT
ajssms-2102	248	1	sustainable	sustainable	ADJ
ajssms-2102	248	2	banking	banking	NOUN
ajssms-2102	248	3	:	:	PUNCT
ajssms-2102	248	4	the	the	DET
ajssms-2102	248	5	greening	greening	NOUN
ajssms-2102	248	6	of	of	ADP
ajssms-2102	248	7	finance	finance	NOUN
ajssms-2102	248	8	.	.	PUNCT
ajssms-2102	249	1	sheffield	sheffield	PROPN
ajssms-2102	249	2	,	,	PUNCT
ajssms-2102	249	3	uk	uk	PROPN
ajssms-2102	249	4	:	:	PUNCT
ajssms-2102	249	5	greenleaf	greenleaf	ADJ
ajssms-2102	249	6	publishing	publishing	NOUN
ajssms-2102	249	7	.	.	PUNCT
ajssms-2102	250	1	brown	brown	PROPN
ajssms-2102	250	2	,	,	PUNCT
ajssms-2102	250	3	i.	i.	PROPN
ajssms-2102	250	4	,	,	PUNCT
ajssms-2102	250	5	steen	steen	PROPN
ajssms-2102	250	6	,	,	PUNCT
ajssms-2102	250	7	a.	a.	PROPN
ajssms-2102	250	8	,	,	PUNCT
ajssms-2102	250	9	&	&	CCONJ
ajssms-2102	250	10	foreman	foreman	PROPN
ajssms-2102	250	11	,	,	PUNCT
ajssms-2102	250	12	j.	j.	PROPN
ajssms-2102	250	13	(	(	PUNCT
ajssms-2102	250	14	2009	2009	NUM
ajssms-2102	250	15	)	)	PUNCT
ajssms-2102	250	16	.	.	PUNCT
ajssms-2102	251	1	risk	risk	NOUN
ajssms-2102	251	2	management	management	NOUN
ajssms-2102	251	3	in	in	ADP
ajssms-2102	251	4	corporate	corporate	ADJ
ajssms-2102	251	5	governance	governance	NOUN
ajssms-2102	251	6	:	:	PUNCT
ajssms-2102	251	7	a	a	DET
ajssms-2102	251	8	review	review	NOUN
ajssms-2102	251	9	and	and	CCONJ
ajssms-2102	251	10	proposal	proposal	NOUN
ajssms-2102	251	11	.	.	PUNCT
ajssms-2102	252	1	corporate	corporate	ADJ
ajssms-2102	252	2	governance	governance	NOUN
ajssms-2102	252	3	:	:	PUNCT
ajssms-2102	252	4	an	an	DET
ajssms-2102	252	5	international	international	ADJ
ajssms-2102	252	6	review	review	NOUN
ajssms-2102	252	7	,	,	PUNCT
ajssms-2102	252	8	17(5	17(5	NUM
ajssms-2102	252	9	)	)	PUNCT
ajssms-2102	252	10	,	,	PUNCT
ajssms-2102	252	11	546	546	NUM
ajssms-2102	252	12	-	-	SYM
ajssms-2102	252	13	558	558	NUM
ajssms-2102	252	14	.	.	PUNCT
ajssms-2102	253	1	available	available	ADJ
ajssms-2102	253	2	at	at	ADP
ajssms-2102	253	3	:	:	PUNCT
ajssms-2102	253	4	https://doi.org/10.1111/j.1467-8683.2009.00763.x	https://doi.org/10.1111/j.1467-8683.2009.00763.x	NOUN
ajssms-2102	253	5	.	.	PUNCT
ajssms-2102	254	1	chris	chris	PROPN
ajssms-2102	254	2	,	,	PUNCT
ajssms-2102	254	3	u.	u.	PROPN
ajssms-2102	254	4	,	,	PUNCT
ajssms-2102	254	5	&	&	CCONJ
ajssms-2102	254	6	orok	orok	PROPN
ajssms-2102	254	7	,	,	PUNCT
ajssms-2102	254	8	a.	a.	NOUN
ajssms-2102	254	9	(	(	PUNCT
ajssms-2102	254	10	2017	2017	NUM
ajssms-2102	254	11	)	)	PUNCT
ajssms-2102	254	12	.	.	PUNCT
ajssms-2102	255	1	assessment	assessment	NOUN
ajssms-2102	255	2	of	of	ADP
ajssms-2102	255	3	the	the	DET
ajssms-2102	255	4	enterprise	enterprise	NOUN
ajssms-2102	255	5	risk	risk	NOUN
ajssms-2102	255	6	management	management	NOUN
ajssms-2102	255	7	(	(	PUNCT
ajssms-2102	255	8	erm	erm	PROPN
ajssms-2102	255	9	)	)	PUNCT
ajssms-2102	255	10	in	in	ADP
ajssms-2102	255	11	the	the	DET
ajssms-2102	255	12	nigerian	nigerian	ADJ
ajssms-2102	255	13	banking	banking	NOUN
ajssms-2102	255	14	industry	industry	NOUN
ajssms-2102	255	15	.	.	PUNCT
ajssms-2102	256	1	asian	asian	ADJ
ajssms-2102	256	2	journal	journal	PROPN
ajssms-2102	256	3	of	of	ADP
ajssms-2102	256	4	economics	economic	NOUN
ajssms-2102	256	5	and	and	CCONJ
ajssms-2102	256	6	empirical	empirical	ADJ
ajssms-2102	256	7	research	research	NOUN
ajssms-2102	256	8	,	,	PUNCT
ajssms-2102	256	9	4(2	4(2	NUM
ajssms-2102	256	10	)	)	PUNCT
ajssms-2102	256	11	,	,	PUNCT
ajssms-2102	256	12	68	68	NUM
ajssms-2102	256	13	-	-	SYM
ajssms-2102	256	14	74	74	NUM
ajssms-2102	256	15	.	.	PUNCT
ajssms-2102	257	1	de	de	X
ajssms-2102	257	2	loach	loach	NOUN
ajssms-2102	257	3	,	,	PUNCT
ajssms-2102	257	4	j.	j.	PROPN
ajssms-2102	257	5	w.	w.	PROPN
ajssms-2102	257	6	(	(	PUNCT
ajssms-2102	257	7	2000	2000	NUM
ajssms-2102	257	8	)	)	PUNCT
ajssms-2102	257	9	.	.	PUNCT
ajssms-2102	258	1	enterprise	enterprise	NOUN
ajssms-2102	258	2	-	-	PUNCT
ajssms-2102	258	3	wide	wide	ADJ
ajssms-2102	258	4	risk	risk	NOUN
ajssms-2102	258	5	management	management	NOUN
ajssms-2102	258	6	:	:	PUNCT
ajssms-2102	258	7	strategies	strategy	NOUN
ajssms-2102	258	8	for	for	ADP
ajssms-2102	258	9	linking	link	VERB
ajssms-2102	258	10	risk	risk	NOUN
ajssms-2102	258	11	&	&	CCONJ
ajssms-2102	258	12	opportunity	opportunity	NOUN
ajssms-2102	258	13	.	.	PUNCT
ajssms-2102	259	1	london	london	PROPN
ajssms-2102	259	2	,	,	PUNCT
ajssms-2102	259	3	uk	uk	PROPN
ajssms-2102	259	4	:	:	PUNCT
ajssms-2102	259	5	prentice	prentice	PROPN
ajssms-2102	259	6	hall	hall	PROPN
ajssms-2102	259	7	.	.	PUNCT
ajssms-2102	260	1	dia	dia	PROPN
ajssms-2102	260	2	,	,	PUNCT
ajssms-2102	260	3	m.	m.	NOUN
ajssms-2102	260	4	,	,	PUNCT
ajssms-2102	260	5	&	&	CCONJ
ajssms-2102	260	6	zéghal	zéghal	PROPN
ajssms-2102	260	7	,	,	PUNCT
ajssms-2102	260	8	d.	d.	PROPN
ajssms-2102	260	9	(	(	PUNCT
ajssms-2102	260	10	2008	2008	NUM
ajssms-2102	260	11	)	)	PUNCT
ajssms-2102	260	12	.	.	PUNCT
ajssms-2102	261	1	fuzzy	fuzzy	ADJ
ajssms-2102	261	2	evaluation	evaluation	NOUN
ajssms-2102	261	3	of	of	ADP
ajssms-2102	261	4	risk	risk	NOUN
ajssms-2102	261	5	management	management	NOUN
ajssms-2102	261	6	profiles	profile	NOUN
ajssms-2102	261	7	disclosed	disclose	VERB
ajssms-2102	261	8	in	in	ADP
ajssms-2102	261	9	corporate	corporate	ADJ
ajssms-2102	261	10	annual	annual	ADJ
ajssms-2102	261	11	reports	report	NOUN
ajssms-2102	261	12	.	.	PUNCT
ajssms-2102	262	1	canadian	canadian	ADJ
ajssms-2102	262	2	journal	journal	PROPN
ajssms-2102	262	3	of	of	ADP
ajssms-2102	262	4	administrative	administrative	ADJ
ajssms-2102	262	5	sciences	sciences	PROPN
ajssms-2102	262	6	/	/	SYM
ajssms-2102	262	7	revue	revue	PROPN
ajssms-2102	262	8	canadienne	canadienne	PROPN
ajssms-2102	262	9	des	des	PROPN
ajssms-2102	262	10	sciences	sciences	PROPN
ajssms-2102	262	11	de	de	X
ajssms-2102	262	12	l'administration	l'administration	PROPN
ajssms-2102	262	13	,	,	PUNCT
ajssms-2102	262	14	25(3	25(3	NUM
ajssms-2102	262	15	)	)	PUNCT
ajssms-2102	262	16	,	,	PUNCT
ajssms-2102	262	17	237	237	NUM
ajssms-2102	262	18	-	-	SYM
ajssms-2102	262	19	254	254	NUM
ajssms-2102	262	20	.	.	PUNCT
ajssms-2102	262	21	available	available	ADJ
ajssms-2102	262	22	at	at	ADP
ajssms-2102	262	23	:	:	PUNCT
ajssms-2102	262	24	https://doi.org/10.1002/cjas.66	https://doi.org/10.1002/cjas.66	PROPN
ajssms-2102	262	25	.	.	PUNCT
ajssms-2102	262	26	doyle	doyle	PROPN
ajssms-2102	262	27	,	,	PUNCT
ajssms-2102	262	28	e.	e.	PROPN
ajssms-2102	262	29	m.	m.	PROPN
ajssms-2102	262	30	,	,	PUNCT
ajssms-2102	262	31	hughes	hughes	PROPN
ajssms-2102	262	32	,	,	PUNCT
ajssms-2102	262	33	j.	j.	PROPN
ajssms-2102	262	34	f.	f.	PROPN
ajssms-2102	262	35	,	,	PUNCT
ajssms-2102	262	36	&	&	CCONJ
ajssms-2102	262	37	glaister	glaister	NOUN
ajssms-2102	262	38	,	,	PUNCT
ajssms-2102	262	39	k.	k.	PROPN
ajssms-2102	262	40	w.	w.	PROPN
ajssms-2102	262	41	(	(	PUNCT
ajssms-2102	262	42	2009	2009	NUM
ajssms-2102	262	43	)	)	PUNCT
ajssms-2102	262	44	.	.	PUNCT
ajssms-2102	263	1	linking	link	VERB
ajssms-2102	263	2	ethics	ethic	NOUN
ajssms-2102	263	3	and	and	CCONJ
ajssms-2102	263	4	risk	risk	NOUN
ajssms-2102	263	5	management	management	NOUN
ajssms-2102	263	6	in	in	ADP
ajssms-2102	263	7	taxation	taxation	NOUN
ajssms-2102	263	8	:	:	PUNCT
ajssms-2102	263	9	evidence	evidence	NOUN
ajssms-2102	263	10	from	from	ADP
ajssms-2102	263	11	an	an	DET
ajssms-2102	263	12	exploratory	exploratory	ADJ
ajssms-2102	263	13	study	study	NOUN
ajssms-2102	263	14	in	in	ADP
ajssms-2102	263	15	ireland	ireland	PROPN
ajssms-2102	263	16	and	and	CCONJ
ajssms-2102	263	17	the	the	DET
ajssms-2102	263	18	uk	uk	PROPN
ajssms-2102	263	19	.	.	PROPN
ajssms-2102	263	20	journal	journal	PROPN
ajssms-2102	263	21	of	of	ADP
ajssms-2102	263	22	business	business	NOUN
ajssms-2102	263	23	ethics	ethic	NOUN
ajssms-2102	263	24	,	,	PUNCT
ajssms-2102	263	25	86(2	86(2	NUM
ajssms-2102	263	26	)	)	PUNCT
ajssms-2102	263	27	,	,	PUNCT
ajssms-2102	263	28	177	177	NUM
ajssms-2102	263	29	-	-	SYM
ajssms-2102	263	30	198	198	NUM
ajssms-2102	263	31	.	.	PUNCT
ajssms-2102	263	32	available	available	ADJ
ajssms-2102	263	33	at	at	ADP
ajssms-2102	263	34	:	:	PUNCT
ajssms-2102	263	35	https://doi.org/10.1007/s10551-008-9842-9	https://doi.org/10.1007/s10551-008-9842-9	NUM
ajssms-2102	263	36	.	.	PUNCT
ajssms-2102	264	1	gates	gates	PROPN
ajssms-2102	264	2	,	,	PUNCT
ajssms-2102	264	3	s.	s.	PROPN
ajssms-2102	264	4	,	,	PUNCT
ajssms-2102	264	5	nicolas	nicolas	PROPN
ajssms-2102	264	6	,	,	PUNCT
ajssms-2102	264	7	j.	j.	PROPN
ajssms-2102	264	8	,	,	PUNCT
ajssms-2102	264	9	&	&	CCONJ
ajssms-2102	264	10	walker	walker	PROPN
ajssms-2102	264	11	,	,	PUNCT
ajssms-2102	264	12	p.	p.	PROPN
ajssms-2102	264	13	l.	l.	PROPN
ajssms-2102	264	14	(	(	PUNCT
ajssms-2102	264	15	2012	2012	NUM
ajssms-2102	264	16	)	)	PUNCT
ajssms-2102	264	17	.	.	PUNCT
ajssms-2102	265	1	enterprise	enterprise	NOUN
ajssms-2102	265	2	risk	risk	NOUN
ajssms-2102	265	3	management	management	NOUN
ajssms-2102	265	4	:	:	PUNCT
ajssms-2102	265	5	a	a	DET
ajssms-2102	265	6	process	process	NOUN
ajssms-2102	265	7	for	for	ADP
ajssms-2102	265	8	enhanced	enhanced	ADJ
ajssms-2102	265	9	management	management	NOUN
ajssms-2102	265	10	and	and	CCONJ
ajssms-2102	265	11	improved	improved	ADJ
ajssms-2102	265	12	performance	performance	NOUN
ajssms-2102	265	13	.	.	PUNCT
ajssms-2102	266	1	management	management	NOUN
ajssms-2102	266	2	accounting	account	VERB
ajssms-2102	266	3	quarterly	quarterly	ADV
ajssms-2102	266	4	,	,	PUNCT
ajssms-2102	266	5	13(3	13(3	NUM
ajssms-2102	266	6	)	)	PUNCT
ajssms-2102	266	7	,	,	PUNCT
ajssms-2102	266	8	28	28	NUM
ajssms-2102	266	9	-	-	SYM
ajssms-2102	266	10	38	38	NUM
ajssms-2102	266	11	.	.	PUNCT
ajssms-2102	267	1	gordon	gordon	PROPN
ajssms-2102	267	2	,	,	PUNCT
ajssms-2102	267	3	l.	l.	PROPN
ajssms-2102	267	4	a.	a.	PROPN
ajssms-2102	267	5	,	,	PUNCT
ajssms-2102	267	6	loeb	loeb	PROPN
ajssms-2102	267	7	,	,	PUNCT
ajssms-2102	267	8	m.	m.	NOUN
ajssms-2102	267	9	p.	p.	PROPN
ajssms-2102	267	10	,	,	PUNCT
ajssms-2102	267	11	&	&	CCONJ
ajssms-2102	267	12	tseng	tseng	PROPN
ajssms-2102	267	13	,	,	PUNCT
ajssms-2102	267	14	c.-y	c.-y	NOUN
ajssms-2102	267	15	.	.	PUNCT
ajssms-2102	268	1	(	(	PUNCT
ajssms-2102	268	2	2009	2009	NUM
ajssms-2102	268	3	)	)	PUNCT
ajssms-2102	268	4	.	.	PUNCT
ajssms-2102	269	1	enterprise	enterprise	NOUN
ajssms-2102	269	2	risk	risk	NOUN
ajssms-2102	269	3	management	management	NOUN
ajssms-2102	269	4	and	and	CCONJ
ajssms-2102	269	5	firm	firm	ADJ
ajssms-2102	269	6	performance	performance	NOUN
ajssms-2102	269	7	:	:	PUNCT
ajssms-2102	269	8	a	a	DET
ajssms-2102	269	9	contingency	contingency	NOUN
ajssms-2102	269	10	perspective	perspective	NOUN
ajssms-2102	269	11	.	.	PUNCT
ajssms-2102	270	1	journal	journal	NOUN
ajssms-2102	270	2	of	of	ADP
ajssms-2102	270	3	accounting	accounting	NOUN
ajssms-2102	270	4	and	and	CCONJ
ajssms-2102	270	5	public	public	ADJ
ajssms-2102	270	6	policy	policy	NOUN
ajssms-2102	270	7	,	,	PUNCT
ajssms-2102	270	8	28(4	28(4	NUM
ajssms-2102	270	9	)	)	PUNCT
ajssms-2102	270	10	,	,	PUNCT
ajssms-2102	270	11	301	301	NUM
ajssms-2102	270	12	-	-	SYM
ajssms-2102	270	13	327	327	NUM
ajssms-2102	270	14	.	.	PUNCT
ajssms-2102	270	15	available	available	ADJ
ajssms-2102	270	16	at	at	ADP
ajssms-2102	270	17	:	:	PUNCT
ajssms-2102	270	18	https://doi.org/10.1016/j.jaccpubpol.2009.06.006	https://doi.org/10.1016/j.jaccpubpol.2009.06.006	NOUN
ajssms-2102	270	19	.	.	PUNCT
ajssms-2102	271	1	gossy	gossy	NOUN
ajssms-2102	271	2	,	,	PUNCT
ajssms-2102	271	3	g.	g.	PROPN
ajssms-2102	271	4	(	(	PUNCT
ajssms-2102	271	5	2008	2008	NUM
ajssms-2102	271	6	)	)	PUNCT
ajssms-2102	271	7	.	.	PUNCT
ajssms-2102	272	1	a	a	DET
ajssms-2102	272	2	stakeholder	stakeholder	NOUN
ajssms-2102	272	3	rationale	rationale	NOUN
ajssms-2102	272	4	for	for	ADP
ajssms-2102	272	5	risk	risk	NOUN
ajssms-2102	272	6	management	management	NOUN
ajssms-2102	272	7	:	:	PUNCT
ajssms-2102	272	8	implications	implication	NOUN
ajssms-2102	272	9	for	for	ADP
ajssms-2102	272	10	corporate	corporate	ADJ
ajssms-2102	272	11	finance	finance	NOUN
ajssms-2102	272	12	decisions	decision	NOUN
ajssms-2102	272	13	.	.	PUNCT
ajssms-2102	273	1	google	google	PROPN
ajssms-2102	273	2	books	book	NOUN
ajssms-2102	273	3	.	.	PUNCT
ajssms-2102	274	1	hoyt	hoyt	PROPN
ajssms-2102	274	2	,	,	PUNCT
ajssms-2102	274	3	r.	r.	PROPN
ajssms-2102	274	4	,	,	PUNCT
ajssms-2102	274	5	&	&	CCONJ
ajssms-2102	274	6	liebenberg	liebenberg	PROPN
ajssms-2102	274	7	,	,	PUNCT
ajssms-2102	274	8	a.	a.	NOUN
ajssms-2102	274	9	(	(	PUNCT
ajssms-2102	274	10	2011	2011	NUM
ajssms-2102	274	11	)	)	PUNCT
ajssms-2102	274	12	.	.	PUNCT
ajssms-2102	275	1	the	the	DET
ajssms-2102	275	2	value	value	NOUN
ajssms-2102	275	3	of	of	ADP
ajssms-2102	275	4	enterprise	enterprise	NOUN
ajssms-2102	275	5	risk	risk	NOUN
ajssms-2102	275	6	management	management	NOUN
ajssms-2102	275	7	.	.	PUNCT
ajssms-2102	276	1	journal	journal	NOUN
ajssms-2102	276	2	of	of	ADP
ajssms-2102	276	3	risk	risk	NOUN
ajssms-2102	276	4	and	and	CCONJ
ajssms-2102	276	5	insurance	insurance	NOUN
ajssms-2102	276	6	,	,	PUNCT
ajssms-2102	276	7	78(4	78(4	NUM
ajssms-2102	276	8	)	)	PUNCT
ajssms-2102	276	9	,	,	PUNCT
ajssms-2102	276	10	795	795	NUM
ajssms-2102	276	11	-	-	SYM
ajssms-2102	276	12	822	822	NUM
ajssms-2102	276	13	.	.	PUNCT
ajssms-2102	277	1	kleffner	kleffner	PROPN
ajssms-2102	277	2	,	,	PUNCT
ajssms-2102	277	3	a.	a.	PROPN
ajssms-2102	277	4	e.	e.	PROPN
ajssms-2102	277	5	,	,	PUNCT
ajssms-2102	277	6	lee	lee	PROPN
ajssms-2102	277	7	,	,	PUNCT
ajssms-2102	277	8	r.	r.	PROPN
ajssms-2102	277	9	b.	b.	PROPN
ajssms-2102	277	10	,	,	PUNCT
ajssms-2102	277	11	&	&	CCONJ
ajssms-2102	277	12	mcgannon	mcgannon	PROPN
ajssms-2102	277	13	,	,	PUNCT
ajssms-2102	277	14	b.	b.	PROPN
ajssms-2102	277	15	(	(	PUNCT
ajssms-2102	277	16	2003	2003	NUM
ajssms-2102	277	17	)	)	PUNCT
ajssms-2102	277	18	.	.	PUNCT
ajssms-2102	278	1	the	the	DET
ajssms-2102	278	2	effect	effect	NOUN
ajssms-2102	278	3	of	of	ADP
ajssms-2102	278	4	corporate	corporate	ADJ
ajssms-2102	278	5	governance	governance	NOUN
ajssms-2102	278	6	on	on	ADP
ajssms-2102	278	7	the	the	DET
ajssms-2102	278	8	use	use	NOUN
ajssms-2102	278	9	of	of	ADP
ajssms-2102	278	10	enterprise	enterprise	NOUN
ajssms-2102	278	11	risk	risk	NOUN
ajssms-2102	278	12	management	management	NOUN
ajssms-2102	278	13	:	:	PUNCT
ajssms-2102	278	14	evidence	evidence	NOUN
ajssms-2102	278	15	from	from	ADP
ajssms-2102	278	16	canada	canada	PROPN
ajssms-2102	278	17	.	.	PUNCT
ajssms-2102	279	1	risk	risk	NOUN
ajssms-2102	279	2	management	management	NOUN
ajssms-2102	279	3	and	and	CCONJ
ajssms-2102	279	4	insurance	insurance	NOUN
ajssms-2102	279	5	review	review	NOUN
ajssms-2102	279	6	,	,	PUNCT
ajssms-2102	279	7	6(1	6(1	NUM
ajssms-2102	279	8	)	)	PUNCT
ajssms-2102	279	9	,	,	PUNCT
ajssms-2102	279	10	53	53	NUM
ajssms-2102	279	11	-	-	SYM
ajssms-2102	279	12	73	73	NUM
ajssms-2102	279	13	.	.	PUNCT
ajssms-2102	280	1	available	available	ADJ
ajssms-2102	280	2	at	at	ADP
ajssms-2102	280	3	:	:	PUNCT
ajssms-2102	280	4	https://doi.org/10.1111/1098-1616.00020	https://doi.org/10.1111/1098-1616.00020	PROPN
ajssms-2102	280	5	.	.	PUNCT
ajssms-2102	280	6	león	león	PROPN
ajssms-2102	280	7	,	,	PUNCT
ajssms-2102	280	8	p.	p.	NOUN
ajssms-2102	280	9	(	(	PUNCT
ajssms-2102	280	10	2001	2001	NUM
ajssms-2102	280	11	)	)	PUNCT
ajssms-2102	280	12	.	.	PUNCT
ajssms-2102	281	1	four	four	NUM
ajssms-2102	281	2	pillars	pillar	NOUN
ajssms-2102	281	3	of	of	ADP
ajssms-2102	281	4	financial	financial	ADJ
ajssms-2102	281	5	sustainability	sustainability	NOUN
ajssms-2102	281	6	.	.	PUNCT
ajssms-2102	282	1	nature	nature	NOUN
ajssms-2102	282	2	conservancy	conservancy	NOUN
ajssms-2102	282	3	,	,	PUNCT
ajssms-2102	282	4	2	2	NUM
ajssms-2102	282	5	,	,	PUNCT
ajssms-2102	282	6	4	4	NUM
ajssms-2102	282	7	-	-	SYM
ajssms-2102	282	8	29	29	NUM
ajssms-2102	282	9	.	.	PUNCT
ajssms-2102	283	1	lewis	lewis	PROPN
ajssms-2102	283	2	,	,	PUNCT
ajssms-2102	283	3	t.	t.	PROPN
ajssms-2102	283	4	(	(	PUNCT
ajssms-2102	283	5	2011	2011	NUM
ajssms-2102	283	6	)	)	PUNCT
ajssms-2102	283	7	.	.	PUNCT
ajssms-2102	284	1	financial	financial	ADJ
ajssms-2102	284	2	sustainability	sustainability	NOUN
ajssms-2102	284	3	essentials	essential	NOUN
ajssms-2102	284	4	:	:	PUNCT
ajssms-2102	284	5	course	course	NOUN
ajssms-2102	284	6	handbook	handbook	NOUN
ajssms-2102	284	7	.	.	PUNCT
ajssms-2102	285	1	oxford	oxford	NOUN
ajssms-2102	285	2	:	:	PUNCT
ajssms-2102	285	3	management	management	NOUN
ajssms-2102	285	4	accounting	account	VERB
ajssms-2102	285	5	for	for	ADP
ajssms-2102	285	6	non	non	ADJ
ajssms-2102	285	7	-	-	ADJ
ajssms-2102	285	8	governmental	governmental	ADJ
ajssms-2102	285	9	0rganisation	0rganisation	NOUN
ajssms-2102	285	10	(	(	PUNCT
ajssms-2102	285	11	mango	mango	PROPN
ajssms-2102	285	12	)	)	PUNCT
ajssms-2102	285	13	.	.	PUNCT
ajssms-2102	286	1	magezi	magezi	PROPN
ajssms-2102	286	2	,	,	PUNCT
ajssms-2102	286	3	j.	j.	PROPN
ajssms-2102	286	4	k.	k.	PROPN
ajssms-2102	286	5	(	(	PUNCT
ajssms-2102	286	6	2003	2003	NUM
ajssms-2102	286	7	)	)	PUNCT
ajssms-2102	286	8	.	.	PUNCT
ajssms-2102	287	1	a	a	DET
ajssms-2102	287	2	new	new	ADJ
ajssms-2102	287	3	framework	framework	NOUN
ajssms-2102	287	4	for	for	ADP
ajssms-2102	287	5	measuring	measure	VERB
ajssms-2102	287	6	the	the	DET
ajssms-2102	287	7	credit	credit	NOUN
ajssms-2102	287	8	risk	risk	NOUN
ajssms-2102	287	9	of	of	ADP
ajssms-2102	287	10	a	a	DET
ajssms-2102	287	11	portfolio	portfolio	NOUN
ajssms-2102	287	12	.	.	PUNCT
ajssms-2102	288	1	institute	institute	PROPN
ajssms-2102	288	2	for	for	ADP
ajssms-2102	288	3	monetary	monetary	ADJ
ajssms-2102	288	4	and	and	CCONJ
ajssms-2102	288	5	economic	economic	ADJ
ajssms-2102	288	6	studies	study	NOUN
ajssms-2102	288	7	,	,	PUNCT
ajssms-2102	288	8	1	1	NUM
ajssms-2102	288	9	-	-	SYM
ajssms-2102	288	10	45	45	NUM
ajssms-2102	288	11	.	.	PUNCT
ajssms-2102	289	1	markowitz	markowitz	PROPN
ajssms-2102	289	2	,	,	PUNCT
ajssms-2102	289	3	h.	h.	PROPN
ajssms-2102	289	4	m.	m.	PROPN
ajssms-2102	289	5	(	(	PUNCT
ajssms-2102	289	6	1952	1952	NUM
ajssms-2102	289	7	)	)	PUNCT
ajssms-2102	289	8	.	.	PUNCT
ajssms-2102	290	1	portfolio	portfolio	NOUN
ajssms-2102	290	2	selection	selection	NOUN
ajssms-2102	290	3	.	.	PUNCT
ajssms-2102	291	1	journal	journal	PROPN
ajssms-2102	291	2	of	of	ADP
ajssms-2102	291	3	finance	finance	NOUN
ajssms-2102	291	4	,	,	PUNCT
ajssms-2102	291	5	7(1	7(1	NUM
ajssms-2102	291	6	)	)	PUNCT
ajssms-2102	291	7	,	,	PUNCT
ajssms-2102	291	8	77	77	NUM
ajssms-2102	291	9	-	-	SYM
ajssms-2102	291	10	91	91	NUM
ajssms-2102	291	11	.	.	PUNCT
ajssms-2102	292	1	mcshane	mcshane	PROPN
ajssms-2102	292	2	,	,	PUNCT
ajssms-2102	292	3	m.	m.	PROPN
ajssms-2102	292	4	k.	k.	PROPN
ajssms-2102	292	5	,	,	PUNCT
ajssms-2102	292	6	nair	nair	PROPN
ajssms-2102	292	7	,	,	PUNCT
ajssms-2102	292	8	a.	a.	PROPN
ajssms-2102	292	9	,	,	PUNCT
ajssms-2102	292	10	&	&	CCONJ
ajssms-2102	292	11	rustambekov	rustambekov	PROPN
ajssms-2102	292	12	,	,	PUNCT
ajssms-2102	292	13	e.	e.	PROPN
ajssms-2102	292	14	(	(	PUNCT
ajssms-2102	292	15	2011	2011	NUM
ajssms-2102	292	16	)	)	PUNCT
ajssms-2102	292	17	.	.	PUNCT
ajssms-2102	293	1	does	do	VERB
ajssms-2102	293	2	enterprise	enterprise	NOUN
ajssms-2102	293	3	risk	risk	NOUN
ajssms-2102	293	4	management	management	NOUN
ajssms-2102	293	5	increase	increase	NOUN
ajssms-2102	293	6	firm	firm	ADJ
ajssms-2102	293	7	value	value	NOUN
ajssms-2102	293	8	?	?	PUNCT
ajssms-2102	294	1	journal	journal	NOUN
ajssms-2102	294	2	of	of	ADP
ajssms-2102	294	3	accounting	accounting	NOUN
ajssms-2102	294	4	,	,	PUNCT
ajssms-2102	294	5	auditing	auditing	NOUN
ajssms-2102	294	6	&	&	CCONJ
ajssms-2102	294	7	finance	finance	NOUN
ajssms-2102	294	8	,	,	PUNCT
ajssms-2102	294	9	26(4	26(4	NUM
ajssms-2102	294	10	)	)	PUNCT
ajssms-2102	294	11	,	,	PUNCT
ajssms-2102	294	12	641	641	NUM
ajssms-2102	294	13	-	-	SYM
ajssms-2102	294	14	658	658	NUM
ajssms-2102	294	15	.	.	PUNCT
ajssms-2102	294	16	available	available	ADJ
ajssms-2102	294	17	at	at	ADP
ajssms-2102	294	18	:	:	PUNCT
ajssms-2102	294	19	https://doi.org/10.1177/0148558x11409160	https://doi.org/10.1177/0148558x11409160	PROPN
ajssms-2102	294	20	.	.	PROPN
ajssms-2102	294	21	muteti	muteti	PROPN
ajssms-2102	294	22	,	,	PUNCT
ajssms-2102	294	23	s.	s.	PROPN
ajssms-2102	294	24	r.	r.	PROPN
ajssms-2102	294	25	(	(	PUNCT
ajssms-2102	294	26	2014	2014	NUM
ajssms-2102	294	27	)	)	PUNCT
ajssms-2102	294	28	.	.	PUNCT
ajssms-2102	295	1	relationship	relationship	NOUN
ajssms-2102	295	2	between	between	ADP
ajssms-2102	295	3	financial	financial	ADJ
ajssms-2102	295	4	risk	risk	NOUN
ajssms-2102	295	5	management	management	NOUN
ajssms-2102	295	6	and	and	CCONJ
ajssms-2102	295	7	financial	financial	ADJ
ajssms-2102	295	8	performance	performance	NOUN
ajssms-2102	295	9	of	of	ADP
ajssms-2102	295	10	commercial	commercial	ADJ
ajssms-2102	295	11	banks	bank	NOUN
ajssms-2102	295	12	in	in	ADP
ajssms-2102	295	13	kenya	kenya	PROPN
ajssms-2102	295	14	.	.	PUNCT
ajssms-2102	296	1	m.sc	m.sc	PROPN
ajssms-2102	296	2	thesis	thesis	NOUN
ajssms-2102	296	3	publication	publication	NOUN
ajssms-2102	296	4	.	.	PUNCT
ajssms-2102	297	1	narumon	narumon	NOUN
ajssms-2102	297	2	,	,	PUNCT
ajssms-2102	297	3	s.	s.	PROPN
ajssms-2102	297	4	(	(	PUNCT
ajssms-2102	297	5	2013	2013	NUM
ajssms-2102	297	6	)	)	PUNCT
ajssms-2102	297	7	.	.	PUNCT
ajssms-2102	298	1	enterprise	enterprise	NOUN
ajssms-2102	298	2	risk	risk	NOUN
ajssms-2102	298	3	management	management	NOUN
ajssms-2102	298	4	under	under	ADP
ajssms-2102	298	5	sustainability	sustainability	NOUN
ajssms-2102	298	6	platform	platform	NOUN
ajssms-2102	298	7	.	.	PUNCT
ajssms-2102	299	1	journal	journal	NOUN
ajssms-2102	299	2	of	of	ADP
ajssms-2102	299	3	business	business	NOUN
ajssms-2102	299	4	and	and	CCONJ
ajssms-2102	299	5	economics	economic	NOUN
ajssms-2102	299	6	,	,	PUNCT
ajssms-2102	299	7	4(1	4(1	NOUN
ajssms-2102	299	8	)	)	PUNCT
ajssms-2102	299	9	,	,	PUNCT
ajssms-2102	299	10	32	32	NUM
ajssms-2102	299	11	-	-	SYM
ajssms-2102	299	12	41	41	NUM
ajssms-2102	299	13	.	.	PUNCT
ajssms-2102	300	1	nocco	nocco	PROPN
ajssms-2102	300	2	,	,	PUNCT
ajssms-2102	300	3	b.	b.	PROPN
ajssms-2102	300	4	w.	w.	PROPN
ajssms-2102	300	5	,	,	PUNCT
ajssms-2102	300	6	&	&	CCONJ
ajssms-2102	300	7	stulz	stulz	ADJ
ajssms-2102	300	8	,	,	PUNCT
ajssms-2102	300	9	r.	r.	PROPN
ajssms-2102	300	10	m.	m.	PROPN
ajssms-2102	300	11	(	(	PUNCT
ajssms-2102	300	12	2006	2006	NUM
ajssms-2102	300	13	)	)	PUNCT
ajssms-2102	300	14	.	.	PUNCT
ajssms-2102	301	1	enterprise	enterprise	NOUN
ajssms-2102	301	2	risk	risk	NOUN
ajssms-2102	301	3	management	management	NOUN
ajssms-2102	301	4	:	:	PUNCT
ajssms-2102	301	5	theory	theory	NOUN
ajssms-2102	301	6	and	and	CCONJ
ajssms-2102	301	7	practice	practice	NOUN
ajssms-2102	301	8	.	.	PUNCT
ajssms-2102	302	1	journal	journal	NOUN
ajssms-2102	302	2	of	of	ADP
ajssms-2102	302	3	applied	apply	VERB
ajssms-2102	302	4	corporate	corporate	ADJ
ajssms-2102	302	5	finance	finance	NOUN
ajssms-2102	302	6	,	,	PUNCT
ajssms-2102	302	7	18(4	18(4	NUM
ajssms-2102	302	8	)	)	PUNCT
ajssms-2102	302	9	,	,	PUNCT
ajssms-2102	302	10	8	8	NUM
ajssms-2102	302	11	-	-	SYM
ajssms-2102	302	12	20	20	NUM
ajssms-2102	302	13	.	.	PUNCT
ajssms-2102	303	1	nyagah	nyagah	PROPN
ajssms-2102	303	2	,	,	PUNCT
ajssms-2102	303	3	b.	b.	PROPN
ajssms-2102	303	4	k.	k.	PROPN
ajssms-2102	303	5	(	(	PUNCT
ajssms-2102	303	6	2014	2014	NUM
ajssms-2102	303	7	)	)	PUNCT
ajssms-2102	303	8	.	.	PUNCT
ajssms-2102	304	1	the	the	DET
ajssms-2102	304	2	effect	effect	NOUN
ajssms-2102	304	3	of	of	ADP
ajssms-2102	304	4	enterprise	enterprise	NOUN
ajssms-2102	304	5	risk	risk	NOUN
ajssms-2102	304	6	management	management	NOUN
ajssms-2102	304	7	on	on	ADP
ajssms-2102	304	8	financial	financial	ADJ
ajssms-2102	304	9	performance	performance	NOUN
ajssms-2102	304	10	of	of	ADP
ajssms-2102	304	11	pension	pension	NOUN
ajssms-2102	304	12	fund	fund	NOUN
ajssms-2102	304	13	management	management	NOUN
ajssms-2102	304	14	firms	firm	NOUN
ajssms-2102	304	15	in	in	ADP
ajssms-2102	304	16	kenya	kenya	PROPN
ajssms-2102	304	17	.	.	PUNCT
ajssms-2102	305	1	published	publish	VERB
ajssms-2102	305	2	m.sc	m.sc	PROPN
ajssms-2102	305	3	.	.	PUNCT
ajssms-2102	306	1	thesis	thesis	NOUN
ajssms-2102	306	2	,	,	PUNCT
ajssms-2102	306	3	university	university	PROPN
ajssms-2102	306	4	of	of	ADP
ajssms-2102	306	5	nairobi	nairobi	PROPN
ajssms-2102	306	6	.	.	PUNCT
ajssms-2102	307	1	paape	paape	PROPN
ajssms-2102	307	2	,	,	PUNCT
ajssms-2102	307	3	l.	l.	PROPN
ajssms-2102	307	4	,	,	PUNCT
ajssms-2102	307	5	&	&	CCONJ
ajssms-2102	307	6	speklè	speklè	PROPN
ajssms-2102	307	7	,	,	PUNCT
ajssms-2102	307	8	r.	r.	PROPN
ajssms-2102	307	9	f.	f.	PROPN
ajssms-2102	307	10	(	(	PUNCT
ajssms-2102	307	11	2012	2012	NUM
ajssms-2102	307	12	)	)	PUNCT
ajssms-2102	307	13	.	.	PUNCT
ajssms-2102	308	1	the	the	DET
ajssms-2102	308	2	adoption	adoption	NOUN
ajssms-2102	308	3	and	and	CCONJ
ajssms-2102	308	4	design	design	NOUN
ajssms-2102	308	5	of	of	ADP
ajssms-2102	308	6	enterprise	enterprise	NOUN
ajssms-2102	308	7	risk	risk	NOUN
ajssms-2102	308	8	management	management	NOUN
ajssms-2102	308	9	practices	practice	NOUN
ajssms-2102	308	10	:	:	PUNCT
ajssms-2102	308	11	an	an	DET
ajssms-2102	308	12	empirical	empirical	ADJ
ajssms-2102	308	13	study	study	NOUN
ajssms-2102	308	14	.	.	PUNCT
ajssms-2102	309	1	european	european	ADJ
ajssms-2102	309	2	accounting	accounting	PROPN
ajssms-2102	309	3	review	review	PROPN
ajssms-2102	309	4	,	,	PUNCT
ajssms-2102	309	5	21(3	21(3	NUM
ajssms-2102	309	6	)	)	PUNCT
ajssms-2102	309	7	,	,	PUNCT
ajssms-2102	309	8	533	533	NUM
ajssms-2102	309	9	-	-	SYM
ajssms-2102	309	10	564	564	NUM
ajssms-2102	309	11	.	.	PUNCT
ajssms-2102	310	1	razali	razali	VERB
ajssms-2102	310	2	,	,	PUNCT
ajssms-2102	310	3	a.	a.	PROPN
ajssms-2102	310	4	r.	r.	PROPN
ajssms-2102	310	5	,	,	PUNCT
ajssms-2102	310	6	&	&	CCONJ
ajssms-2102	310	7	tahir	tahir	PROPN
ajssms-2102	310	8	,	,	PUNCT
ajssms-2102	310	9	i.	i.	PROPN
ajssms-2102	310	10	m.	m.	PROPN
ajssms-2102	310	11	(	(	PUNCT
ajssms-2102	310	12	2011	2011	NUM
ajssms-2102	310	13	)	)	PUNCT
ajssms-2102	310	14	.	.	PUNCT
ajssms-2102	311	1	review	review	NOUN
ajssms-2102	311	2	of	of	ADP
ajssms-2102	311	3	the	the	DET
ajssms-2102	311	4	literature	literature	NOUN
ajssms-2102	311	5	on	on	ADP
ajssms-2102	311	6	enterprise	enterprise	NOUN
ajssms-2102	311	7	risk	risk	NOUN
ajssms-2102	311	8	management	management	NOUN
ajssms-2102	311	9	.	.	PUNCT
ajssms-2102	312	1	business	business	NOUN
ajssms-2102	312	2	management	management	NOUN
ajssms-2102	312	3	dynamics	dynamic	NOUN
ajssms-2102	312	4	,	,	PUNCT
ajssms-2102	312	5	1(5	1(5	NUM
ajssms-2102	312	6	)	)	PUNCT
ajssms-2102	312	7	,	,	PUNCT
ajssms-2102	312	8	1	1	NUM
ajssms-2102	312	9	-	-	SYM
ajssms-2102	312	10	8	8	NUM
ajssms-2102	312	11	.	.	PUNCT
ajssms-2102	313	1	rochette	rochette	NOUN
ajssms-2102	313	2	,	,	PUNCT
ajssms-2102	313	3	m.	m.	NOUN
ajssms-2102	313	4	(	(	PUNCT
ajssms-2102	313	5	2009	2009	NUM
ajssms-2102	313	6	)	)	PUNCT
ajssms-2102	313	7	.	.	PUNCT
ajssms-2102	314	1	from	from	ADP
ajssms-2102	314	2	risk	risk	NOUN
ajssms-2102	314	3	management	management	NOUN
ajssms-2102	314	4	to	to	ADP
ajssms-2102	314	5	erm	erm	PROPN
ajssms-2102	314	6	.	.	PROPN
ajssms-2102	314	7	journal	journal	PROPN
ajssms-2102	314	8	of	of	ADP
ajssms-2102	314	9	risk	risk	NOUN
ajssms-2102	314	10	management	management	NOUN
ajssms-2102	314	11	in	in	ADP
ajssms-2102	314	12	financial	financial	ADJ
ajssms-2102	314	13	institutions	institution	NOUN
ajssms-2102	314	14	,	,	PUNCT
ajssms-2102	314	15	2(4	2(4	NUM
ajssms-2102	314	16	)	)	PUNCT
ajssms-2102	314	17	,	,	PUNCT
ajssms-2102	314	18	394	394	NUM
ajssms-2102	314	19	-	-	SYM
ajssms-2102	314	20	408	408	NUM
ajssms-2102	314	21	.	.	PUNCT
ajssms-2102	315	1	senior	senior	ADJ
ajssms-2102	315	2	supervisors	supervisor	NOUN
ajssms-2102	315	3	group	group	NOUN
ajssms-2102	315	4	.	.	PUNCT
ajssms-2102	316	1	(	(	PUNCT
ajssms-2102	316	2	2009	2009	NUM
ajssms-2102	316	3	)	)	PUNCT
ajssms-2102	316	4	.	.	PUNCT
ajssms-2102	317	1	risk	risk	NOUN
ajssms-2102	317	2	management	management	NOUN
ajssms-2102	317	3	lessons	lesson	NOUN
ajssms-2102	317	4	from	from	ADP
ajssms-2102	317	5	the	the	DET
ajssms-2102	317	6	global	global	ADJ
ajssms-2102	317	7	banking	banking	NOUN
ajssms-2102	317	8	crisis	crisis	NOUN
ajssms-2102	317	9	of	of	ADP
ajssms-2102	317	10	2008	2008	NUM
ajssms-2102	317	11	.	.	PUNCT
ajssms-2102	318	1	reteieved	reteieve	VERB
ajssms-2102	318	2	from	from	ADP
ajssms-2102	318	3	:	:	PUNCT
ajssms-2102	318	4	https://www.sec.gov/news/press/2009/report102109.pdf	https://www.sec.gov/news/press/2009/report102109.pdf	PROPN
ajssms-2102	318	5	.	.	PUNCT
ajssms-2102	319	1	yegon	yegon	PROPN
ajssms-2102	319	2	,	,	PUNCT
ajssms-2102	319	3	k.	k.	PROPN
ajssms-2102	319	4	c.	c.	PROPN
ajssms-2102	319	5	(	(	PUNCT
ajssms-2102	319	6	2015	2015	NUM
ajssms-2102	319	7	)	)	PUNCT
ajssms-2102	319	8	.	.	PUNCT
ajssms-2102	320	1	effect	effect	NOUN
ajssms-2102	320	2	of	of	ADP
ajssms-2102	320	3	enterprise	enterprise	NOUN
ajssms-2102	320	4	risk	risk	NOUN
ajssms-2102	320	5	management	management	NOUN
ajssms-2102	320	6	determinants	determinant	NOUN
ajssms-2102	320	7	on	on	ADP
ajssms-2102	320	8	financial	financial	ADJ
ajssms-2102	320	9	performance	performance	NOUN
ajssms-2102	320	10	of	of	ADP
ajssms-2102	320	11	listed	list	VERB
ajssms-2102	320	12	firms	firm	NOUN
ajssms-2102	320	13	in	in	ADP
ajssms-2102	320	14	kenya	kenya	PROPN
ajssms-2102	320	15	.	.	PUNCT
ajssms-2102	321	1	published	publish	VERB
ajssms-2102	321	2	phd	phd	NOUN
ajssms-2102	321	3	thesis	thesis	NOUN
ajssms-2102	321	4	,	,	PUNCT
ajssms-2102	321	5	jomo	jomo	PROPN
ajssms-2102	321	6	kenyatta	kenyatta	PROPN
ajssms-2102	321	7	university	university	PROPN
ajssms-2102	321	8	of	of	ADP
ajssms-2102	321	9	agriculture	agriculture	NOUN
ajssms-2102	321	10	and	and	CCONJ
ajssms-2102	321	11	technology	technology	NOUN
ajssms-2102	321	12	,	,	PUNCT
ajssms-2102	321	13	nairobi	nairobi	PROPN
ajssms-2102	321	14	.	.	PUNCT
ajssms-2102	322	1	asian	asian	ADJ
ajssms-2102	322	2	online	online	PROPN
ajssms-2102	322	3	journal	journal	PROPN
ajssms-2102	322	4	publishing	publishing	NOUN
ajssms-2102	322	5	group	group	NOUN
ajssms-2102	322	6	is	be	AUX
ajssms-2102	322	7	not	not	PART
ajssms-2102	322	8	responsible	responsible	ADJ
ajssms-2102	322	9	or	or	CCONJ
ajssms-2102	322	10	answerable	answerable	ADJ
ajssms-2102	322	11	for	for	ADP
ajssms-2102	322	12	any	any	DET
ajssms-2102	322	13	loss	loss	NOUN
ajssms-2102	322	14	,	,	PUNCT
ajssms-2102	322	15	damage	damage	NOUN
ajssms-2102	322	16	or	or	CCONJ
ajssms-2102	322	17	liability	liability	NOUN
ajssms-2102	322	18	,	,	PUNCT
ajssms-2102	322	19	etc	etc	X
ajssms-2102	322	20	.	.	X
ajssms-2102	322	21	caused	cause	VERB
ajssms-2102	322	22	in	in	ADP
ajssms-2102	322	23	relation	relation	NOUN
ajssms-2102	322	24	to	to	PART
ajssms-2102	322	25	/	/	PUNCT
ajssms-2102	322	26	arising	arise	VERB
ajssms-2102	322	27	out	out	ADP
ajssms-2102	322	28	of	of	ADP
ajssms-2102	322	29	the	the	DET
ajssms-2102	322	30	use	use	NOUN
ajssms-2102	322	31	of	of	ADP
ajssms-2102	322	32	the	the	DET
ajssms-2102	322	33	content	content	NOUN
ajssms-2102	322	34	.	.	PUNCT
ajssms-2102	323	1	any	any	DET
ajssms-2102	323	2	queries	query	NOUN
ajssms-2102	323	3	should	should	AUX
ajssms-2102	323	4	be	be	AUX
ajssms-2102	323	5	directed	direct	VERB
ajssms-2102	323	6	to	to	ADP
ajssms-2102	323	7	the	the	DET
ajssms-2102	323	8	corresponding	corresponding	ADJ
ajssms-2102	323	9	author	author	NOUN
ajssms-2102	323	10	of	of	ADP
ajssms-2102	323	11	the	the	DET
ajssms-2102	323	12	article	article	NOUN
ajssms-2102	323	13	.	.	PUNCT
ajssms-2102	324	1	http://www.thesustainablengo.org/improving-financialviability/financial-sustainability-indicators	http://www.thesustainablengo.org/improving-financialviability/financial-sustainability-indicator	NOUN
ajssms-2102	324	2	http://www.thesustainablengo.org/improving-financialviability/financial-sustainability-indicators	http://www.thesustainablengo.org/improving-financialviability/financial-sustainability-indicators	PROPN
ajssms-2102	324	3	http://www.thesustainablengo.org/improving-financialviability/financial-sustainability-indicators	http://www.thesustainablengo.org/improving-financialviability/financial-sustainability-indicator	NOUN
ajssms-2102	324	4	http://www.thesustainablengo.org/improving-financialviability/financial-sustainability-indicators	http://www.thesustainablengo.org/improving-financialviability/financial-sustainability-indicator	NOUN
ajssms-2102	324	5	http://www.sec.gov/news/press/2009/report102109.pdf	http://www.sec.gov/news/press/2009/report102109.pdf	PROPN
ajssms-2102	324	6	http://www.sec.gov/news/press/2009/report102109.pdf	http://www.sec.gov/news/press/2009/report102109.pdf	VERB