id	sid	tid	token	lemma	pos
ajssms-473	1	1	asian	asian	ADJ
ajssms-473	1	2	journal	journal	NOUN
ajssms-473	1	3	of	of	ADP
ajssms-473	1	4	social	social	ADJ
ajssms-473	1	5	sciences	science	NOUN
ajssms-473	1	6	and	and	CCONJ
ajssms-473	1	7	management	management	NOUN
ajssms-473	1	8	studies	study	NOUN
ajssms-473	1	9	issn	issn	VERB
ajssms-473	1	10	:	:	PUNCT
ajssms-473	1	11	2313	2313	NUM
ajssms-473	1	12	-	-	SYM
ajssms-473	1	13	7401	7401	NUM
ajssms-473	1	14	vol	vol	NOUN
ajssms-473	1	15	.	.	PROPN
ajssms-473	2	1	3	3	NUM
ajssms-473	2	2	,	,	PUNCT
ajssms-473	2	3	no	no	INTJ
ajssms-473	2	4	.	.	NOUN
ajssms-473	2	5	1	1	NUM
ajssms-473	2	6	,	,	PUNCT
ajssms-473	2	7	82	82	NUM
ajssms-473	2	8	-	-	SYM
ajssms-473	2	9	90	90	NUM
ajssms-473	2	10	,	,	PUNCT
ajssms-473	2	11	2016	2016	NUM
ajssms-473	2	12	http://www.asianonlinejournals.com/index.php/ajssms	http://www.asianonlinejournals.com/index.php/ajssm	NOUN
ajssms-473	2	13	82	82	NUM
ajssms-473	2	14	informal	informal	ADJ
ajssms-473	2	15	financial	financial	ADJ
ajssms-473	2	16	institutions	institution	NOUN
ajssms-473	2	17	(	(	PUNCT
ajssms-473	2	18	ifis	ifis	PROPN
ajssms-473	2	19	)	)	PUNCT
ajssms-473	2	20	and	and	CCONJ
ajssms-473	2	21	poverty	poverty	NOUN
ajssms-473	2	22	reduction	reduction	NOUN
ajssms-473	2	23	in	in	ADP
ajssms-473	2	24	konshisha	konshisha	PROPN
ajssms-473	2	25	local	local	ADJ
ajssms-473	2	26	government	government	NOUN
ajssms-473	2	27	area	area	NOUN
ajssms-473	2	28	of	of	ADP
ajssms-473	2	29	benue	benue	PROPN
ajssms-473	2	30	state	state	PROPN
ajssms-473	2	31	,	,	PUNCT
ajssms-473	2	32	nigeria	nigeria	PROPN
ajssms-473	2	33	beeior	beeior	NOUN
ajssms-473	2	34	,	,	PUNCT
ajssms-473	2	35	c.	c.	PROPN
ajssms-473	2	36	t	t	PROPN
ajssms-473	2	37	1	1	NUM
ajssms-473	2	38	*	*	SYM
ajssms-473	2	39	--ajegi	--ajegi	PROPN
ajssms-473	2	40	,	,	PUNCT
ajssms-473	2	41	s.o	s.o	PROPN
ajssms-473	2	42	2	2	NUM
ajssms-473	2	43	--tyoakosu	--tyoakosu	PROPN
ajssms-473	2	44	,	,	PUNCT
ajssms-473	2	45	j.	j.	PROPN
ajssms-473	2	46	a	a	DET
ajssms-473	2	47	3	3	NUM
ajssms-473	2	48	.	.	SYM
ajssms-473	2	49	1	1	NUM
ajssms-473	2	50	department	department	NOUN
ajssms-473	2	51	of	of	ADP
ajssms-473	2	52	agricultural	agricultural	ADJ
ajssms-473	2	53	education	education	NOUN
ajssms-473	2	54	,	,	PUNCT
ajssms-473	2	55	college	college	NOUN
ajssms-473	2	56	of	of	ADP
ajssms-473	2	57	education	education	PROPN
ajssms-473	2	58	oju	oju	PROPN
ajssms-473	2	59	,	,	PUNCT
ajssms-473	2	60	benue	benue	VERB
ajssms-473	2	61	state	state	NOUN
ajssms-473	2	62	,	,	PUNCT
ajssms-473	2	63	nigeria	nigeria	PROPN
ajssms-473	2	64	2	2	NUM
ajssms-473	2	65	department	department	NOUN
ajssms-473	2	66	of	of	ADP
ajssms-473	2	67	economics	economic	NOUN
ajssms-473	2	68	,	,	PUNCT
ajssms-473	2	69	benue	benue	VERB
ajssms-473	2	70	state	state	NOUN
ajssms-473	2	71	university	university	PROPN
ajssms-473	2	72	,	,	PUNCT
ajssms-473	2	73	nigeria	nigeria	PROPN
ajssms-473	2	74	3	3	NUM
ajssms-473	2	75	department	department	PROPN
ajssms-473	2	76	of	of	ADP
ajssms-473	2	77	economics	economics	PROPN
ajssms-473	2	78	college	college	PROPN
ajssms-473	2	79	of	of	ADP
ajssms-473	2	80	education	education	PROPN
ajssms-473	2	81	oju	oju	PROPN
ajssms-473	2	82	,	,	PUNCT
ajssms-473	2	83	benue	benue	VERB
ajssms-473	2	84	state	state	NOUN
ajssms-473	2	85	nigeria	nigeria	PROPN
ajssms-473	2	86	abstract	abstract	ADJ
ajssms-473	2	87	contents	content	NOUN
ajssms-473	2	88	1	1	NUM
ajssms-473	2	89	.	.	PUNCT
ajssms-473	3	1	introduction	introduction	NOUN
ajssms-473	3	2	...............................................................................................................................................................................	...............................................................................................................................................................................	PROPN
ajssms-473	4	1	83	83	NUM
ajssms-473	4	2	2	2	NUM
ajssms-473	4	3	.	.	PUNCT
ajssms-473	4	4	definition	definition	NOUN
ajssms-473	4	5	of	of	ADP
ajssms-473	4	6	concepts	concept	NOUN
ajssms-473	4	7	...............................................................................................................................................................	...............................................................................................................................................................	PUNCT
ajssms-473	5	1	83	83	NUM
ajssms-473	5	2	3	3	NUM
ajssms-473	5	3	.	.	PUNCT
ajssms-473	5	4	methodology	methodology	NOUN
ajssms-473	5	5	..............................................................................................................................................................................	..............................................................................................................................................................................	PUNCT
ajssms-473	6	1	84	84	NUM
ajssms-473	6	2	4	4	NUM
ajssms-473	6	3	.	.	PUNCT
ajssms-473	7	1	data	datum	NOUN
ajssms-473	7	2	analysis	analysis	NOUN
ajssms-473	7	3	,	,	PUNCT
ajssms-473	7	4	result	result	NOUN
ajssms-473	7	5	and	and	CCONJ
ajssms-473	7	6	discussion	discussion	NOUN
ajssms-473	7	7	......................................................................................................................................	......................................................................................................................................	PUNCT
ajssms-473	7	8	85	85	NUM
ajssms-473	7	9	references	reference	NOUN
ajssms-473	7	10	......................................................................................................................................................................................	......................................................................................................................................................................................	PUNCT
ajssms-473	7	11	89	89	NUM
ajssms-473	7	12	bibliography	bibliography	NOUN
ajssms-473	7	13	..................................................................................................................................................................................	..................................................................................................................................................................................	PUNCT
ajssms-473	8	1	90	90	NUM
ajssms-473	8	2	citation	citation	NOUN
ajssms-473	8	3	|	|	ADV
ajssms-473	8	4	beeior	beeior	NOUN
ajssms-473	8	5	,	,	PUNCT
ajssms-473	8	6	c.	c.	PROPN
ajssms-473	8	7	t	t	PROPN
ajssms-473	8	8	;	;	PUNCT
ajssms-473	8	9	ajegi	ajegi	PROPN
ajssms-473	8	10	,	,	PUNCT
ajssms-473	8	11	s.o	s.o	PROPN
ajssms-473	8	12	;	;	PUNCT
ajssms-473	8	13	tyoakosu	tyoakosu	PROPN
ajssms-473	8	14	,	,	PUNCT
ajssms-473	8	15	j.	j.	PROPN
ajssms-473	8	16	a.	a.	PROPN
ajssms-473	8	17	(	(	PUNCT
ajssms-473	8	18	2016	2016	NUM
ajssms-473	8	19	)	)	PUNCT
ajssms-473	8	20	.	.	PUNCT
ajssms-473	9	1	informal	informal	ADJ
ajssms-473	9	2	financial	financial	ADJ
ajssms-473	9	3	institutions	institution	NOUN
ajssms-473	9	4	(	(	PUNCT
ajssms-473	9	5	ifis	ifis	PROPN
ajssms-473	9	6	)	)	PUNCT
ajssms-473	9	7	and	and	CCONJ
ajssms-473	9	8	poverty	poverty	NOUN
ajssms-473	9	9	reduction	reduction	NOUN
ajssms-473	9	10	in	in	ADP
ajssms-473	9	11	konshisha	konshisha	PROPN
ajssms-473	9	12	local	local	ADJ
ajssms-473	9	13	government	government	NOUN
ajssms-473	9	14	area	area	NOUN
ajssms-473	9	15	of	of	ADP
ajssms-473	9	16	benue	benue	PROPN
ajssms-473	9	17	state	state	PROPN
ajssms-473	9	18	,	,	PUNCT
ajssms-473	9	19	nigeria	nigeria	PROPN
ajssms-473	9	20	.	.	PUNCT
ajssms-473	10	1	asian	asian	ADJ
ajssms-473	10	2	journal	journal	PROPN
ajssms-473	10	3	of	of	ADP
ajssms-473	10	4	social	social	ADJ
ajssms-473	10	5	sciences	sciences	PROPN
ajssms-473	10	6	and	and	CCONJ
ajssms-473	10	7	management	management	NOUN
ajssms-473	10	8	studies	study	NOUN
ajssms-473	10	9	,	,	PUNCT
ajssms-473	10	10	3(1	3(1	NUM
ajssms-473	10	11	):	):	PUNCT
ajssms-473	10	12	82	82	NUM
ajssms-473	10	13	-	-	SYM
ajssms-473	10	14	90	90	NUM
ajssms-473	10	15	.	.	PUNCT
ajssms-473	11	1	doi	doi	NOUN
ajssms-473	11	2	:	:	PUNCT
ajssms-473	11	3	10.20448	10.20448	NUM
ajssms-473	11	4	/	/	SYM
ajssms-473	11	5	journal.500/2016.3.1/500.1.82.90	journal.500/2016.3.1/500.1.82.90	ADJ
ajssms-473	11	6	issn(e	issn(e	PROPN
ajssms-473	11	7	)	)	PUNCT
ajssms-473	11	8	:	:	PUNCT
ajssms-473	11	9	2313	2313	NUM
ajssms-473	11	10	-	-	SYM
ajssms-473	11	11	7401	7401	NUM
ajssms-473	11	12	issn(p	issn(p	PROPN
ajssms-473	11	13	)	)	PUNCT
ajssms-473	11	14	:	:	PUNCT
ajssms-473	11	15	2518	2518	NUM
ajssms-473	11	16	-	-	SYM
ajssms-473	11	17	0096	0096	NUM
ajssms-473	11	18	licensed	licensed	ADJ
ajssms-473	11	19	:	:	PUNCT
ajssms-473	11	20	contribution/	contribution/	NUM
ajssms-473	11	21	acknowledgment	acknowledgment	NOUN
ajssms-473	11	22	:	:	PUNCT
ajssms-473	11	23	this	this	DET
ajssms-473	11	24	work	work	NOUN
ajssms-473	11	25	is	be	AUX
ajssms-473	11	26	licensed	license	VERB
ajssms-473	11	27	under	under	ADP
ajssms-473	11	28	a	a	DET
ajssms-473	11	29	creative	creative	ADJ
ajssms-473	11	30	commons	common	NOUN
ajssms-473	11	31	attribution	attribution	NOUN
ajssms-473	11	32	3.0	3.0	NUM
ajssms-473	11	33	license	license	NOUN
ajssms-473	11	34	all	all	DET
ajssms-473	11	35	authors	author	NOUN
ajssms-473	11	36	contributed	contribute	VERB
ajssms-473	11	37	to	to	ADP
ajssms-473	11	38	the	the	DET
ajssms-473	11	39	conception	conception	NOUN
ajssms-473	11	40	and	and	CCONJ
ajssms-473	11	41	design	design	NOUN
ajssms-473	11	42	of	of	ADP
ajssms-473	11	43	the	the	DET
ajssms-473	11	44	study	study	NOUN
ajssms-473	11	45	.	.	PUNCT
ajssms-473	12	1	funding	funding	NOUN
ajssms-473	12	2	:	:	PUNCT
ajssms-473	12	3	this	this	DET
ajssms-473	12	4	study	study	NOUN
ajssms-473	12	5	received	receive	VERB
ajssms-473	12	6	no	no	DET
ajssms-473	12	7	specific	specific	ADJ
ajssms-473	12	8	financial	financial	ADJ
ajssms-473	12	9	support	support	NOUN
ajssms-473	12	10	.	.	PUNCT
ajssms-473	13	1	competing	compete	VERB
ajssms-473	13	2	interests	interest	NOUN
ajssms-473	13	3	:	:	PUNCT
ajssms-473	13	4	the	the	DET
ajssms-473	13	5	authors	author	NOUN
ajssms-473	13	6	declare	declare	VERB
ajssms-473	13	7	that	that	SCONJ
ajssms-473	13	8	they	they	PRON
ajssms-473	13	9	have	have	VERB
ajssms-473	13	10	no	no	DET
ajssms-473	13	11	conflict	conflict	NOUN
ajssms-473	13	12	of	of	ADP
ajssms-473	13	13	interests	interest	NOUN
ajssms-473	13	14	.	.	PUNCT
ajssms-473	14	1	transparency	transparency	NOUN
ajssms-473	14	2	:	:	PUNCT
ajssms-473	14	3	the	the	DET
ajssms-473	14	4	authors	author	NOUN
ajssms-473	14	5	confirm	confirm	VERB
ajssms-473	14	6	that	that	SCONJ
ajssms-473	14	7	the	the	DET
ajssms-473	14	8	manuscript	manuscript	NOUN
ajssms-473	14	9	is	be	AUX
ajssms-473	14	10	an	an	DET
ajssms-473	14	11	honest	honest	ADJ
ajssms-473	14	12	,	,	PUNCT
ajssms-473	14	13	accurate	accurate	ADJ
ajssms-473	14	14	,	,	PUNCT
ajssms-473	14	15	and	and	CCONJ
ajssms-473	14	16	transparent	transparent	ADJ
ajssms-473	14	17	account	account	NOUN
ajssms-473	14	18	of	of	ADP
ajssms-473	14	19	the	the	DET
ajssms-473	14	20	study	study	NOUN
ajssms-473	14	21	was	be	AUX
ajssms-473	14	22	reported	report	VERB
ajssms-473	14	23	;	;	PUNCT
ajssms-473	14	24	that	that	SCONJ
ajssms-473	14	25	no	no	DET
ajssms-473	14	26	vital	vital	ADJ
ajssms-473	14	27	features	feature	NOUN
ajssms-473	14	28	of	of	ADP
ajssms-473	14	29	the	the	DET
ajssms-473	14	30	study	study	NOUN
ajssms-473	14	31	have	have	AUX
ajssms-473	14	32	been	be	AUX
ajssms-473	14	33	omitted	omit	VERB
ajssms-473	14	34	;	;	PUNCT
ajssms-473	14	35	and	and	CCONJ
ajssms-473	14	36	that	that	SCONJ
ajssms-473	14	37	any	any	DET
ajssms-473	14	38	discrepancies	discrepancy	NOUN
ajssms-473	14	39	from	from	ADP
ajssms-473	14	40	the	the	DET
ajssms-473	14	41	study	study	NOUN
ajssms-473	14	42	as	as	SCONJ
ajssms-473	14	43	planned	plan	VERB
ajssms-473	14	44	have	have	AUX
ajssms-473	14	45	been	be	AUX
ajssms-473	14	46	explained	explain	VERB
ajssms-473	14	47	.	.	PUNCT
ajssms-473	15	1	ethical	ethical	ADJ
ajssms-473	15	2	:	:	PUNCT
ajssms-473	15	3	this	this	DET
ajssms-473	15	4	study	study	NOUN
ajssms-473	15	5	follows	follow	VERB
ajssms-473	15	6	all	all	DET
ajssms-473	15	7	ethical	ethical	ADJ
ajssms-473	15	8	practices	practice	NOUN
ajssms-473	15	9	during	during	ADP
ajssms-473	15	10	writing	writing	NOUN
ajssms-473	15	11	.	.	PUNCT
ajssms-473	16	1	history	history	NOUN
ajssms-473	16	2	:	:	PUNCT
ajssms-473	16	3	received	receive	VERB
ajssms-473	16	4	:	:	PUNCT
ajssms-473	16	5	2	2	NUM
ajssms-473	16	6	july	july	PROPN
ajssms-473	16	7	2015/	2015/	NUM
ajssms-473	16	8	revised	revise	VERB
ajssms-473	16	9	:	:	PUNCT
ajssms-473	16	10	1	1	NUM
ajssms-473	16	11	august	august	PROPN
ajssms-473	16	12	2015/	2015/	NUM
ajssms-473	16	13	accepted	accept	VERB
ajssms-473	16	14	:	:	PUNCT
ajssms-473	16	15	27	27	NUM
ajssms-473	16	16	october	october	NOUN
ajssms-473	16	17	2015/	2015/	NUM
ajssms-473	16	18	published	publish	VERB
ajssms-473	16	19	:	:	PUNCT
ajssms-473	16	20	8	8	NUM
ajssms-473	16	21	november	november	PROPN
ajssms-473	16	22	2015	2015	NUM
ajssms-473	16	23	publisher	publisher	NOUN
ajssms-473	16	24	:	:	PUNCT
ajssms-473	16	25	asian	asian	ADJ
ajssms-473	16	26	online	online	PROPN
ajssms-473	16	27	journal	journal	PROPN
ajssms-473	16	28	publishing	publishing	NOUN
ajssms-473	16	29	group	group	NOUN
ajssms-473	16	30	this	this	DET
ajssms-473	16	31	study	study	NOUN
ajssms-473	16	32	was	be	AUX
ajssms-473	16	33	carried	carry	VERB
ajssms-473	16	34	out	out	ADP
ajssms-473	16	35	to	to	PART
ajssms-473	16	36	examine	examine	VERB
ajssms-473	16	37	the	the	DET
ajssms-473	16	38	impact	impact	NOUN
ajssms-473	16	39	of	of	ADP
ajssms-473	16	40	informal	informal	ADJ
ajssms-473	16	41	financial	financial	ADJ
ajssms-473	16	42	institutions	institution	NOUN
ajssms-473	16	43	(	(	PUNCT
ajssms-473	16	44	ifis	ifis	PROPN
ajssms-473	16	45	)	)	PUNCT
ajssms-473	16	46	on	on	ADP
ajssms-473	16	47	poverty	poverty	NOUN
ajssms-473	16	48	reduction	reduction	NOUN
ajssms-473	16	49	in	in	ADP
ajssms-473	16	50	konshisha	konshisha	PROPN
ajssms-473	16	51	local	local	ADJ
ajssms-473	16	52	government	government	NOUN
ajssms-473	16	53	area	area	NOUN
ajssms-473	16	54	of	of	ADP
ajssms-473	16	55	benue	benue	PROPN
ajssms-473	16	56	state	state	PROPN
ajssms-473	16	57	,	,	PUNCT
ajssms-473	16	58	nigeria	nigeria	PROPN
ajssms-473	16	59	.	.	PUNCT
ajssms-473	17	1	a	a	DET
ajssms-473	17	2	total	total	NOUN
ajssms-473	17	3	of	of	ADP
ajssms-473	17	4	220	220	NUM
ajssms-473	17	5	questionnaires	questionnaire	NOUN
ajssms-473	17	6	were	be	AUX
ajssms-473	17	7	administered	administer	VERB
ajssms-473	17	8	to	to	ADP
ajssms-473	17	9	households	household	NOUN
ajssms-473	17	10	in	in	ADP
ajssms-473	17	11	the	the	DET
ajssms-473	17	12	study	study	NOUN
ajssms-473	17	13	area	area	NOUN
ajssms-473	17	14	;	;	PUNCT
ajssms-473	17	15	110	110	NUM
ajssms-473	17	16	each	each	PRON
ajssms-473	17	17	for	for	ADP
ajssms-473	17	18	beneficiaries	beneficiary	NOUN
ajssms-473	17	19	and	and	CCONJ
ajssms-473	17	20	non	non	NOUN
ajssms-473	17	21	-	-	NOUN
ajssms-473	17	22	beneficiaries	beneficiary	NOUN
ajssms-473	17	23	of	of	ADP
ajssms-473	17	24	informal	informal	ADJ
ajssms-473	17	25	financial	financial	ADJ
ajssms-473	17	26	institutions	institution	NOUN
ajssms-473	17	27	(	(	PUNCT
ajssms-473	17	28	ifis	ifis	PROPN
ajssms-473	17	29	)	)	PUNCT
ajssms-473	17	30	in	in	ADP
ajssms-473	17	31	the	the	DET
ajssms-473	17	32	study	study	NOUN
ajssms-473	17	33	area	area	NOUN
ajssms-473	17	34	.	.	PUNCT
ajssms-473	18	1	data	datum	NOUN
ajssms-473	18	2	collected	collect	VERB
ajssms-473	18	3	were	be	AUX
ajssms-473	18	4	analyzed	analyze	VERB
ajssms-473	18	5	using	use	VERB
ajssms-473	18	6	p	p	NOUN
ajssms-473	18	7	-	-	PUNCT
ajssms-473	18	8	apha	apha	NOUN
ajssms-473	18	9	,	,	PUNCT
ajssms-473	18	10	logit	logit	PROPN
ajssms-473	18	11	regression	regression	NOUN
ajssms-473	18	12	model	model	NOUN
ajssms-473	18	13	,	,	PUNCT
ajssms-473	18	14	simple	simple	ADJ
ajssms-473	18	15	percentages	percentage	NOUN
ajssms-473	18	16	and	and	CCONJ
ajssms-473	18	17	t	t	NOUN
ajssms-473	18	18	-	-	PUNCT
ajssms-473	18	19	test	test	NOUN
ajssms-473	18	20	statistics	statistic	NOUN
ajssms-473	18	21	.	.	PUNCT
ajssms-473	19	1	the	the	DET
ajssms-473	19	2	result	result	NOUN
ajssms-473	19	3	showed	show	VERB
ajssms-473	19	4	that	that	SCONJ
ajssms-473	19	5	the	the	DET
ajssms-473	19	6	incidences	incidence	NOUN
ajssms-473	19	7	of	of	ADP
ajssms-473	19	8	poverty	poverty	NOUN
ajssms-473	19	9	(	(	PUNCT
ajssms-473	19	10	po	po	NOUN
ajssms-473	19	11	)	)	PUNCT
ajssms-473	19	12	,	,	PUNCT
ajssms-473	19	13	depth	depth	NOUN
ajssms-473	19	14	(	(	PUNCT
ajssms-473	19	15	p1	p1	NOUN
ajssms-473	19	16	)	)	PUNCT
ajssms-473	19	17	and	and	CCONJ
ajssms-473	19	18	severity	severity	NOUN
ajssms-473	19	19	(	(	PUNCT
ajssms-473	19	20	p2	p2	PROPN
ajssms-473	19	21	)	)	PUNCT
ajssms-473	19	22	were	be	AUX
ajssms-473	19	23	found	find	VERB
ajssms-473	19	24	to	to	PART
ajssms-473	19	25	be	be	AUX
ajssms-473	19	26	worse	bad	ADJ
ajssms-473	19	27	among	among	ADP
ajssms-473	19	28	the	the	DET
ajssms-473	19	29	non	non	NOUN
ajssms-473	19	30	-	-	NOUN
ajssms-473	19	31	beneficiaries	beneficiary	NOUN
ajssms-473	19	32	of	of	ADP
ajssms-473	19	33	ifis	ifis	PROPN
ajssms-473	19	34	.	.	PUNCT
ajssms-473	20	1	the	the	DET
ajssms-473	20	2	result	result	NOUN
ajssms-473	20	3	of	of	ADP
ajssms-473	20	4	t	t	NOUN
ajssms-473	20	5	-	-	PUNCT
ajssms-473	20	6	test	test	NOUN
ajssms-473	20	7	of	of	ADP
ajssms-473	20	8	difference	difference	NOUN
ajssms-473	20	9	in	in	ADP
ajssms-473	20	10	mean	mean	NOUN
ajssms-473	20	11	of	of	ADP
ajssms-473	20	12	real	real	ADJ
ajssms-473	20	13	household	household	NOUN
ajssms-473	20	14	consumption	consumption	NOUN
ajssms-473	20	15	-	-	PUNCT
ajssms-473	20	16	expenditure	expenditure	NOUN
ajssms-473	20	17	of	of	ADP
ajssms-473	20	18	beneficiaries	beneficiary	NOUN
ajssms-473	20	19	&	&	CCONJ
ajssms-473	20	20	nonbeneficiaries	nonbeneficiarie	NOUN
ajssms-473	20	21	of	of	ADP
ajssms-473	20	22	ifis	ifis	PROPN
ajssms-473	20	23	also	also	ADV
ajssms-473	20	24	indicated	indicate	VERB
ajssms-473	20	25	clearly	clearly	ADV
ajssms-473	20	26	that	that	SCONJ
ajssms-473	20	27	beneficiaries	beneficiary	NOUN
ajssms-473	20	28	of	of	ADP
ajssms-473	20	29	ifis	ifis	NOUN
ajssms-473	20	30	have	have	VERB
ajssms-473	20	31	more	more	ADJ
ajssms-473	20	32	real	real	ADJ
ajssms-473	20	33	household	household	NOUN
ajssms-473	20	34	consumption	consumption	NOUN
ajssms-473	20	35	expenditure	expenditure	NOUN
ajssms-473	20	36	than	than	ADP
ajssms-473	20	37	non	non	NOUN
ajssms-473	20	38	-	-	NOUN
ajssms-473	20	39	beneficiaries	beneficiary	NOUN
ajssms-473	20	40	of	of	ADP
ajssms-473	20	41	ifis	ifis	NOUN
ajssms-473	20	42	in	in	ADP
ajssms-473	20	43	the	the	DET
ajssms-473	20	44	study	study	NOUN
ajssms-473	20	45	area	area	NOUN
ajssms-473	20	46	.	.	PUNCT
ajssms-473	21	1	the	the	DET
ajssms-473	21	2	result	result	NOUN
ajssms-473	21	3	of	of	ADP
ajssms-473	21	4	the	the	DET
ajssms-473	21	5	logit	logit	PROPN
ajssms-473	21	6	regression	regression	NOUN
ajssms-473	21	7	model	model	NOUN
ajssms-473	21	8	showed	show	VERB
ajssms-473	21	9	that	that	SCONJ
ajssms-473	21	10	out	out	ADP
ajssms-473	21	11	of	of	ADP
ajssms-473	21	12	the	the	DET
ajssms-473	21	13	seven	seven	NUM
ajssms-473	21	14	variables	variable	NOUN
ajssms-473	21	15	regressed	regress	VERB
ajssms-473	21	16	,	,	PUNCT
ajssms-473	21	17	only	only	ADV
ajssms-473	21	18	three	three	NUM
ajssms-473	21	19	namely	namely	ADV
ajssms-473	21	20	:	:	PUNCT
ajssms-473	21	21	averages	average	VERB
ajssms-473	21	22	monthly	monthly	ADJ
ajssms-473	21	23	savings	saving	NOUN
ajssms-473	21	24	,	,	PUNCT
ajssms-473	21	25	education	education	NOUN
ajssms-473	21	26	&	&	CCONJ
ajssms-473	21	27	household	household	NOUN
ajssms-473	21	28	size	size	NOUN
ajssms-473	21	29	have	have	AUX
ajssms-473	21	30	influenced	influence	VERB
ajssms-473	21	31	significantly	significantly	ADV
ajssms-473	21	32	the	the	DET
ajssms-473	21	33	poverty	poverty	NOUN
ajssms-473	21	34	status	status	NOUN
ajssms-473	21	35	of	of	ADP
ajssms-473	21	36	the	the	DET
ajssms-473	21	37	respondents	respondent	NOUN
ajssms-473	21	38	at	at	ADP
ajssms-473	21	39	5	5	NUM
ajssms-473	21	40	%	%	NOUN
ajssms-473	21	41	level	level	NOUN
ajssms-473	21	42	.	.	PUNCT
ajssms-473	22	1	the	the	DET
ajssms-473	22	2	study	study	NOUN
ajssms-473	22	3	identified	identify	VERB
ajssms-473	22	4	shortage	shortage	NOUN
ajssms-473	22	5	of	of	ADP
ajssms-473	22	6	funds	fund	NOUN
ajssms-473	22	7	for	for	ADP
ajssms-473	22	8	disbursement	disbursement	NOUN
ajssms-473	22	9	to	to	ADP
ajssms-473	22	10	members	member	NOUN
ajssms-473	22	11	as	as	ADP
ajssms-473	22	12	the	the	DET
ajssms-473	22	13	major	major	ADJ
ajssms-473	22	14	problem	problem	NOUN
ajssms-473	22	15	hindering	hinder	VERB
ajssms-473	22	16	the	the	DET
ajssms-473	22	17	smooth	smooth	ADJ
ajssms-473	22	18	operation	operation	NOUN
ajssms-473	22	19	of	of	ADP
ajssms-473	22	20	ifis	ifis	PROPN
ajssms-473	22	21	in	in	ADP
ajssms-473	22	22	the	the	DET
ajssms-473	22	23	study	study	NOUN
ajssms-473	22	24	area	area	NOUN
ajssms-473	22	25	.	.	PUNCT
ajssms-473	23	1	it	it	PRON
ajssms-473	23	2	was	be	AUX
ajssms-473	23	3	suggested	suggest	VERB
ajssms-473	23	4	among	among	ADP
ajssms-473	23	5	other	other	ADJ
ajssms-473	23	6	recommendations	recommendation	NOUN
ajssms-473	23	7	that	that	SCONJ
ajssms-473	23	8	government	government	NOUN
ajssms-473	23	9	and	and	CCONJ
ajssms-473	23	10	other	other	ADJ
ajssms-473	23	11	relevant	relevant	ADJ
ajssms-473	23	12	organizations	organization	NOUN
ajssms-473	23	13	should	should	AUX
ajssms-473	23	14	provide	provide	VERB
ajssms-473	23	15	soft	soft	ADJ
ajssms-473	23	16	loans	loan	NOUN
ajssms-473	23	17	to	to	ADP
ajssms-473	23	18	members	member	NOUN
ajssms-473	23	19	of	of	ADP
ajssms-473	23	20	ifis	ifis	PROPN
ajssms-473	23	21	through	through	ADP
ajssms-473	23	22	the	the	DET
ajssms-473	23	23	ifis	ifis	NOUN
ajssms-473	23	24	in	in	ADP
ajssms-473	23	25	which	which	PRON
ajssms-473	23	26	they	they	PRON
ajssms-473	23	27	belong	belong	VERB
ajssms-473	23	28	to	to	PART
ajssms-473	23	29	expand	expand	VERB
ajssms-473	23	30	their	their	PRON
ajssms-473	23	31	small	small	ADJ
ajssms-473	23	32	businesses	business	NOUN
ajssms-473	23	33	and	and	CCONJ
ajssms-473	23	34	hence	hence	ADV
ajssms-473	23	35	reduce	reduce	VERB
ajssms-473	23	36	their	their	PRON
ajssms-473	23	37	poverty	poverty	NOUN
ajssms-473	23	38	level	level	NOUN
ajssms-473	23	39	.	.	PUNCT
ajssms-473	24	1	keywords	keyword	NOUN
ajssms-473	24	2	:	:	PUNCT
ajssms-473	24	3	poverty	poverty	NOUN
ajssms-473	24	4	,	,	PUNCT
ajssms-473	24	5	reduction	reduction	NOUN
ajssms-473	24	6	,	,	PUNCT
ajssms-473	24	7	informal	informal	ADJ
ajssms-473	24	8	financial	financial	ADJ
ajssms-473	24	9	institutions	institution	NOUN
ajssms-473	24	10	(	(	PUNCT
ajssms-473	24	11	ifis	ifis	PROPN
ajssms-473	24	12	)	)	PUNCT
ajssms-473	24	13	,	,	PUNCT
ajssms-473	24	14	konshisha	konshisha	PROPN
ajssms-473	24	15	,	,	PUNCT
ajssms-473	24	16	benue	benue	NOUN
ajssms-473	24	17	and	and	CCONJ
ajssms-473	24	18	nigeria	nigeria	PROPN
ajssms-473	24	19	.	.	PUNCT
ajssms-473	25	1	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajssms-473	25	2	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.500/2016.3.1/500.1.82.90	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.500/2016.3.1/500.1.82.90	PROPN
ajssms-473	25	3	asian	asian	ADJ
ajssms-473	25	4	journal	journal	NOUN
ajssms-473	25	5	of	of	ADP
ajssms-473	25	6	social	social	ADJ
ajssms-473	25	7	sciences	sciences	PROPN
ajssms-473	25	8	and	and	CCONJ
ajssms-473	25	9	management	management	NOUN
ajssms-473	25	10	studies	study	NOUN
ajssms-473	25	11	,	,	PUNCT
ajssms-473	25	12	2016	2016	NUM
ajssms-473	25	13	,	,	PUNCT
ajssms-473	25	14	3(1	3(1	NUM
ajssms-473	25	15	):	):	PUNCT
ajssms-473	25	16	82	82	NUM
ajssms-473	25	17	-	-	SYM
ajssms-473	25	18	90	90	NUM
ajssms-473	25	19	83	83	NUM
ajssms-473	25	20	1	1	NUM
ajssms-473	25	21	.	.	PUNCT
ajssms-473	26	1	introduction	introduction	NOUN
ajssms-473	26	2	nigeria	nigeria	PROPN
ajssms-473	26	3	is	be	AUX
ajssms-473	26	4	endowed	endow	VERB
ajssms-473	26	5	with	with	ADP
ajssms-473	26	6	numerous	numerous	ADJ
ajssms-473	26	7	resources	resource	NOUN
ajssms-473	26	8	found	find	VERB
ajssms-473	26	9	in	in	ADP
ajssms-473	26	10	different	different	ADJ
ajssms-473	26	11	states	state	NOUN
ajssms-473	26	12	of	of	ADP
ajssms-473	26	13	the	the	DET
ajssms-473	26	14	federation	federation	NOUN
ajssms-473	26	15	.	.	PUNCT
ajssms-473	27	1	it	it	PRON
ajssms-473	27	2	also	also	ADV
ajssms-473	27	3	has	have	VERB
ajssms-473	27	4	fertile	fertile	ADJ
ajssms-473	27	5	arable	arable	ADJ
ajssms-473	27	6	land	land	NOUN
ajssms-473	27	7	for	for	ADP
ajssms-473	27	8	agricultural	agricultural	ADJ
ajssms-473	27	9	production	production	NOUN
ajssms-473	27	10	.	.	PUNCT
ajssms-473	28	1	in	in	ADP
ajssms-473	28	2	spite	spite	NOUN
ajssms-473	28	3	the	the	DET
ajssms-473	28	4	abundance	abundance	NOUN
ajssms-473	28	5	of	of	ADP
ajssms-473	28	6	these	these	DET
ajssms-473	28	7	resources	resource	NOUN
ajssms-473	28	8	,	,	PUNCT
ajssms-473	28	9	there	there	PRON
ajssms-473	28	10	is	be	VERB
ajssms-473	28	11	still	still	ADV
ajssms-473	28	12	a	a	DET
ajssms-473	28	13	great	great	ADJ
ajssms-473	28	14	deal	deal	NOUN
ajssms-473	28	15	of	of	ADP
ajssms-473	28	16	poverty	poverty	NOUN
ajssms-473	28	17	ravaging	ravage	VERB
ajssms-473	28	18	nigerian	nigerian	PROPN
ajssms-473	28	19	particularly	particularly	ADV
ajssms-473	28	20	the	the	DET
ajssms-473	28	21	rural	rural	ADJ
ajssms-473	28	22	people	people	NOUN
ajssms-473	28	23	(	(	PUNCT
ajssms-473	28	24	ajegi	ajegi	PROPN
ajssms-473	28	25	,	,	PUNCT
ajssms-473	28	26	2004	2004	NUM
ajssms-473	28	27	)	)	PUNCT
ajssms-473	28	28	.	.	PUNCT
ajssms-473	29	1	the	the	DET
ajssms-473	29	2	federal	federal	ADJ
ajssms-473	29	3	government	government	NOUN
ajssms-473	29	4	has	have	AUX
ajssms-473	29	5	in	in	ADP
ajssms-473	29	6	line	line	NOUN
ajssms-473	29	7	with	with	ADP
ajssms-473	29	8	the	the	DET
ajssms-473	29	9	global	global	ADJ
ajssms-473	29	10	convention	convention	PROPN
ajssms-473	29	11	,	,	PUNCT
ajssms-473	29	12	been	be	AUX
ajssms-473	29	13	trying	try	VERB
ajssms-473	29	14	to	to	PART
ajssms-473	29	15	ameliorate	ameliorate	VERB
ajssms-473	29	16	the	the	DET
ajssms-473	29	17	worsening	worsen	VERB
ajssms-473	29	18	condition	condition	NOUN
ajssms-473	29	19	of	of	ADP
ajssms-473	29	20	the	the	DET
ajssms-473	29	21	poor	poor	ADJ
ajssms-473	29	22	,	,	PUNCT
ajssms-473	29	23	by	by	ADP
ajssms-473	29	24	directing	direct	VERB
ajssms-473	29	25	public	public	ADJ
ajssms-473	29	26	expenditure	expenditure	NOUN
ajssms-473	29	27	towards	towards	ADP
ajssms-473	29	28	poverty	poverty	NOUN
ajssms-473	29	29	reduction	reduction	NOUN
ajssms-473	29	30	programmes	programme	NOUN
ajssms-473	29	31	and	and	CCONJ
ajssms-473	29	32	projects	project	NOUN
ajssms-473	29	33	to	to	PART
ajssms-473	29	34	cushion	cushion	VERB
ajssms-473	29	35	the	the	DET
ajssms-473	29	36	effects	effect	NOUN
ajssms-473	29	37	of	of	ADP
ajssms-473	29	38	poverty	poverty	NOUN
ajssms-473	29	39	in	in	ADP
ajssms-473	29	40	the	the	DET
ajssms-473	29	41	country	country	NOUN
ajssms-473	29	42	.	.	PUNCT
ajssms-473	30	1	these	these	DET
ajssms-473	30	2	programmes	programme	NOUN
ajssms-473	30	3	include	include	VERB
ajssms-473	30	4	the	the	DET
ajssms-473	30	5	directorate	directorate	NOUN
ajssms-473	30	6	of	of	ADP
ajssms-473	30	7	food	food	NOUN
ajssms-473	30	8	,	,	PUNCT
ajssms-473	30	9	roads	road	NOUN
ajssms-473	30	10	and	and	CCONJ
ajssms-473	30	11	rural	rural	ADJ
ajssms-473	30	12	infrastructure	infrastructure	NOUN
ajssms-473	30	13	(	(	PUNCT
ajssms-473	30	14	dfrri	dfrri	NOUN
ajssms-473	30	15	)	)	PUNCT
ajssms-473	30	16	,	,	PUNCT
ajssms-473	30	17	better	well	ADJ
ajssms-473	30	18	life	life	NOUN
ajssms-473	30	19	programme	programme	NOUN
ajssms-473	30	20	(	(	PUNCT
ajssms-473	30	21	blp	blp	NOUN
ajssms-473	30	22	)	)	PUNCT
ajssms-473	30	23	,	,	PUNCT
ajssms-473	30	24	family	family	NOUN
ajssms-473	30	25	support	support	NOUN
ajssms-473	30	26	programme	programme	NOUN
ajssms-473	30	27	(	(	PUNCT
ajssms-473	30	28	fsp	fsp	NOUN
ajssms-473	30	29	)	)	PUNCT
ajssms-473	30	30	,	,	PUNCT
ajssms-473	30	31	national	national	ADJ
ajssms-473	30	32	directorate	directorate	NOUN
ajssms-473	30	33	of	of	ADP
ajssms-473	30	34	employment	employment	NOUN
ajssms-473	30	35	(	(	PUNCT
ajssms-473	30	36	nde	nde	PROPN
ajssms-473	30	37	)	)	PUNCT
ajssms-473	30	38	,	,	PUNCT
ajssms-473	30	39	family	family	NOUN
ajssms-473	30	40	economic	economic	ADJ
ajssms-473	30	41	advancement	advancement	NOUN
ajssms-473	30	42	programme	programme	NOUN
ajssms-473	30	43	(	(	PUNCT
ajssms-473	30	44	feap	feap	ADJ
ajssms-473	30	45	)	)	PUNCT
ajssms-473	30	46	,	,	PUNCT
ajssms-473	30	47	national	national	ADJ
ajssms-473	30	48	agricultural	agricultural	ADJ
ajssms-473	30	49	land	land	NOUN
ajssms-473	30	50	development	development	NOUN
ajssms-473	30	51	authority	authority	NOUN
ajssms-473	30	52	(	(	PUNCT
ajssms-473	30	53	nalda	nalda	NOUN
ajssms-473	30	54	)	)	PUNCT
ajssms-473	30	55	,	,	PUNCT
ajssms-473	30	56	national	national	ADJ
ajssms-473	30	57	agency	agency	NOUN
ajssms-473	30	58	for	for	ADP
ajssms-473	30	59	mass	mass	ADJ
ajssms-473	30	60	literacy	literacy	NOUN
ajssms-473	30	61	,	,	PUNCT
ajssms-473	30	62	the	the	DET
ajssms-473	30	63	people	people	NOUN
ajssms-473	30	64	’s	’s	PART
ajssms-473	30	65	bank	bank	PROPN
ajssms-473	30	66	of	of	ADP
ajssms-473	30	67	nigeria	nigeria	PROPN
ajssms-473	30	68	,	,	PUNCT
ajssms-473	30	69	the	the	DET
ajssms-473	30	70	federal	federal	ADJ
ajssms-473	30	71	urban	urban	PROPN
ajssms-473	30	72	mass	mass	PROPN
ajssms-473	30	73	transits	transit	NOUN
ajssms-473	30	74	programme	programme	NOUN
ajssms-473	30	75	,	,	PUNCT
ajssms-473	30	76	nigerian	nigerian	ADJ
ajssms-473	30	77	agricultural	agricultural	ADJ
ajssms-473	30	78	and	and	CCONJ
ajssms-473	30	79	rural	rural	ADJ
ajssms-473	30	80	development	development	NOUN
ajssms-473	30	81	bank	bank	PROPN
ajssms-473	30	82	just	just	ADV
ajssms-473	30	83	to	to	PART
ajssms-473	30	84	mention	mention	VERB
ajssms-473	30	85	but	but	CCONJ
ajssms-473	30	86	a	a	DET
ajssms-473	30	87	few	few	ADJ
ajssms-473	30	88	.	.	PUNCT
ajssms-473	31	1	in	in	ADP
ajssms-473	31	2	spite	spite	NOUN
ajssms-473	31	3	of	of	ADP
ajssms-473	31	4	the	the	DET
ajssms-473	31	5	huge	huge	ADJ
ajssms-473	31	6	resources	resource	NOUN
ajssms-473	31	7	devoted	devote	VERB
ajssms-473	31	8	to	to	ADP
ajssms-473	31	9	poverty	poverty	NOUN
ajssms-473	31	10	reduction	reduction	NOUN
ajssms-473	31	11	,	,	PUNCT
ajssms-473	31	12	deterioration	deterioration	NOUN
ajssms-473	31	13	in	in	ADP
ajssms-473	31	14	fiscal	fiscal	ADJ
ajssms-473	31	15	discipline	discipline	NOUN
ajssms-473	31	16	,	,	PUNCT
ajssms-473	31	17	corruption	corruption	NOUN
ajssms-473	31	18	,	,	PUNCT
ajssms-473	31	19	political	political	ADJ
ajssms-473	31	20	instability	instability	NOUN
ajssms-473	31	21	and	and	CCONJ
ajssms-473	31	22	inconsistent	inconsistent	ADJ
ajssms-473	31	23	policies	policy	NOUN
ajssms-473	31	24	undermined	undermine	VERB
ajssms-473	31	25	past	past	ADJ
ajssms-473	31	26	efforts	effort	NOUN
ajssms-473	31	27	,	,	PUNCT
ajssms-473	31	28	thus	thus	ADV
ajssms-473	31	29	making	make	VERB
ajssms-473	31	30	poverty	poverty	NOUN
ajssms-473	31	31	reduction	reduction	NOUN
ajssms-473	31	32	in	in	ADP
ajssms-473	31	33	nigeria	nigeria	PROPN
ajssms-473	31	34	a	a	DET
ajssms-473	31	35	paradox	paradox	NOUN
ajssms-473	31	36	.	.	PUNCT
ajssms-473	32	1	the	the	DET
ajssms-473	32	2	level	level	NOUN
ajssms-473	32	3	of	of	ADP
ajssms-473	32	4	unemployment	unemployment	NOUN
ajssms-473	32	5	continue	continue	VERB
ajssms-473	32	6	to	to	PART
ajssms-473	32	7	rise	rise	VERB
ajssms-473	32	8	,	,	PUNCT
ajssms-473	32	9	inequality	inequality	NOUN
ajssms-473	32	10	gap	gap	NOUN
ajssms-473	32	11	continues	continue	VERB
ajssms-473	32	12	to	to	PART
ajssms-473	32	13	widen	widen	VERB
ajssms-473	32	14	(	(	PUNCT
ajssms-473	32	15	the	the	DET
ajssms-473	32	16	rich	rich	ADJ
ajssms-473	32	17	becoming	become	VERB
ajssms-473	32	18	richer	rich	ADJ
ajssms-473	32	19	and	and	CCONJ
ajssms-473	32	20	the	the	DET
ajssms-473	32	21	poor	poor	ADJ
ajssms-473	32	22	becoming	become	VERB
ajssms-473	32	23	poorer	poor	ADJ
ajssms-473	32	24	)	)	PUNCT
ajssms-473	32	25	,	,	PUNCT
ajssms-473	32	26	while	while	SCONJ
ajssms-473	32	27	poverty	poverty	NOUN
ajssms-473	32	28	conditions	condition	NOUN
ajssms-473	32	29	are	be	AUX
ajssms-473	32	30	exacerbated	exacerbate	VERB
ajssms-473	32	31	.	.	PUNCT
ajssms-473	33	1	a	a	DET
ajssms-473	33	2	world	world	NOUN
ajssms-473	33	3	bank	bank	NOUN
ajssms-473	33	4	estimate	estimate	NOUN
ajssms-473	33	5	on	on	ADP
ajssms-473	33	6	the	the	DET
ajssms-473	33	7	level	level	NOUN
ajssms-473	33	8	of	of	ADP
ajssms-473	33	9	poverty	poverty	NOUN
ajssms-473	33	10	in	in	ADP
ajssms-473	33	11	nigeria	nigeria	PROPN
ajssms-473	33	12	indicates	indicate	VERB
ajssms-473	33	13	that	that	SCONJ
ajssms-473	33	14	70.2	70.2	NUM
ajssms-473	33	15	percent	percent	NOUN
ajssms-473	33	16	of	of	ADP
ajssms-473	33	17	the	the	DET
ajssms-473	33	18	country	country	NOUN
ajssms-473	33	19	’s	’s	PART
ajssms-473	33	20	population	population	NOUN
ajssms-473	33	21	live	live	VERB
ajssms-473	33	22	below	below	ADP
ajssms-473	33	23	the	the	DET
ajssms-473	33	24	poverty	poverty	NOUN
ajssms-473	33	25	line	line	NOUN
ajssms-473	33	26	,	,	PUNCT
ajssms-473	33	27	the	the	DET
ajssms-473	33	28	majority	majority	NOUN
ajssms-473	33	29	of	of	ADP
ajssms-473	33	30	this	this	DET
ajssms-473	33	31	number	number	NOUN
ajssms-473	33	32	is	be	AUX
ajssms-473	33	33	found	find	VERB
ajssms-473	33	34	in	in	ADP
ajssms-473	33	35	the	the	DET
ajssms-473	33	36	rural	rural	ADJ
ajssms-473	33	37	areas	area	NOUN
ajssms-473	33	38	and	and	CCONJ
ajssms-473	33	39	that	that	SCONJ
ajssms-473	33	40	the	the	DET
ajssms-473	33	41	scourge	scourge	NOUN
ajssms-473	33	42	will	will	AUX
ajssms-473	33	43	continue	continue	VERB
ajssms-473	33	44	to	to	PART
ajssms-473	33	45	rise	rise	VERB
ajssms-473	33	46	if	if	SCONJ
ajssms-473	33	47	nothing	nothing	PRON
ajssms-473	33	48	is	be	AUX
ajssms-473	33	49	done	do	VERB
ajssms-473	33	50	to	to	PART
ajssms-473	33	51	arrest	arrest	VERB
ajssms-473	33	52	it	it	PRON
ajssms-473	33	53	world	world	PROPN
ajssms-473	33	54	bank	bank	PROPN
ajssms-473	33	55	(	(	PUNCT
ajssms-473	33	56	1990	1990	NUM
ajssms-473	33	57	)	)	PUNCT
ajssms-473	33	58	.	.	PUNCT
ajssms-473	34	1	this	this	DET
ajssms-473	34	2	bizarre	bizarre	ADJ
ajssms-473	34	3	picture	picture	NOUN
ajssms-473	34	4	requires	require	VERB
ajssms-473	34	5	an	an	DET
ajssms-473	34	6	urgent	urgent	ADJ
ajssms-473	34	7	intervention	intervention	NOUN
ajssms-473	34	8	,	,	PUNCT
ajssms-473	34	9	which	which	PRON
ajssms-473	34	10	the	the	DET
ajssms-473	34	11	study	study	NOUN
ajssms-473	34	12	on	on	ADP
ajssms-473	34	13	the	the	DET
ajssms-473	34	14	informal	informal	ADJ
ajssms-473	34	15	financial	financial	ADJ
ajssms-473	34	16	institution	institution	NOUN
ajssms-473	34	17	is	be	AUX
ajssms-473	34	18	one	one	NUM
ajssms-473	34	19	.	.	PUNCT
ajssms-473	35	1	according	accord	VERB
ajssms-473	35	2	to	to	ADP
ajssms-473	35	3	aliyu	aliyu	PROPN
ajssms-473	35	4	(	(	PUNCT
ajssms-473	35	5	2002	2002	NUM
ajssms-473	35	6	)	)	PUNCT
ajssms-473	35	7	all	all	DET
ajssms-473	35	8	the	the	DET
ajssms-473	35	9	poverty	poverty	NOUN
ajssms-473	35	10	alleviation	alleviation	NOUN
ajssms-473	35	11	programmes	programme	NOUN
ajssms-473	35	12	that	that	PRON
ajssms-473	35	13	nigerians	nigerians	PROPN
ajssms-473	35	14	have	have	AUX
ajssms-473	35	15	had	have	AUX
ajssms-473	35	16	dangled	dangle	VERB
ajssms-473	35	17	before	before	ADP
ajssms-473	35	18	their	their	PRON
ajssms-473	35	19	eyes	eye	NOUN
ajssms-473	35	20	since	since	SCONJ
ajssms-473	35	21	independence	independence	NOUN
ajssms-473	35	22	in	in	ADP
ajssms-473	35	23	1960	1960	NUM
ajssms-473	35	24	,	,	PUNCT
ajssms-473	35	25	have	have	AUX
ajssms-473	35	26	failed	fail	VERB
ajssms-473	35	27	woefully	woefully	ADV
ajssms-473	35	28	or	or	CCONJ
ajssms-473	35	29	yielded	yield	VERB
ajssms-473	35	30	very	very	ADV
ajssms-473	35	31	little	little	ADJ
ajssms-473	35	32	fruits	fruit	NOUN
ajssms-473	35	33	due	due	ADJ
ajssms-473	35	34	to	to	ADP
ajssms-473	35	35	reasons	reason	NOUN
ajssms-473	35	36	earlier	early	ADV
ajssms-473	35	37	mentioned	mention	VERB
ajssms-473	35	38	above	above	ADV
ajssms-473	35	39	.	.	PUNCT
ajssms-473	36	1	most	most	ADJ
ajssms-473	36	2	of	of	ADP
ajssms-473	36	3	these	these	DET
ajssms-473	36	4	poverty	poverty	NOUN
ajssms-473	36	5	reduction	reduction	NOUN
ajssms-473	36	6	programmes	programme	NOUN
ajssms-473	36	7	were	be	AUX
ajssms-473	36	8	aimed	aim	VERB
ajssms-473	36	9	at	at	ADP
ajssms-473	36	10	providing	provide	VERB
ajssms-473	36	11	income	income	NOUN
ajssms-473	36	12	capital	capital	NOUN
ajssms-473	36	13	to	to	ADP
ajssms-473	36	14	the	the	DET
ajssms-473	36	15	rural	rural	ADJ
ajssms-473	36	16	poor	poor	ADJ
ajssms-473	36	17	to	to	PART
ajssms-473	36	18	burst	burst	VERB
ajssms-473	36	19	their	their	PRON
ajssms-473	36	20	investment	investment	NOUN
ajssms-473	36	21	capabilities	capability	NOUN
ajssms-473	36	22	to	to	PART
ajssms-473	36	23	reduce	reduce	VERB
ajssms-473	36	24	poverty	poverty	NOUN
ajssms-473	36	25	.	.	PUNCT
ajssms-473	37	1	however	however	ADV
ajssms-473	37	2	,	,	PUNCT
ajssms-473	37	3	the	the	DET
ajssms-473	37	4	rural	rural	ADJ
ajssms-473	37	5	people	people	NOUN
ajssms-473	37	6	who	who	PRON
ajssms-473	37	7	are	be	AUX
ajssms-473	37	8	the	the	DET
ajssms-473	37	9	most	most	ADV
ajssms-473	37	10	poor	poor	ADJ
ajssms-473	37	11	and	and	CCONJ
ajssms-473	37	12	expected	expect	VERB
ajssms-473	37	13	to	to	PART
ajssms-473	37	14	be	be	AUX
ajssms-473	37	15	real	real	ADJ
ajssms-473	37	16	beneficiaries	beneficiary	NOUN
ajssms-473	37	17	of	of	ADP
ajssms-473	37	18	such	such	ADJ
ajssms-473	37	19	programmes	programme	NOUN
ajssms-473	37	20	in	in	ADP
ajssms-473	37	21	most	most	ADJ
ajssms-473	37	22	cases	case	NOUN
ajssms-473	37	23	are	be	AUX
ajssms-473	37	24	unable	unable	ADJ
ajssms-473	37	25	to	to	PART
ajssms-473	37	26	access	access	VERB
ajssms-473	37	27	them	they	PRON
ajssms-473	37	28	.	.	PUNCT
ajssms-473	38	1	this	this	DET
ajssms-473	38	2	frustrating	frustrating	ADJ
ajssms-473	38	3	situation	situation	NOUN
ajssms-473	38	4	have	have	AUX
ajssms-473	38	5	made	make	VERB
ajssms-473	38	6	some	some	PRON
ajssms-473	38	7	of	of	ADP
ajssms-473	38	8	these	these	DET
ajssms-473	38	9	rural	rural	ADJ
ajssms-473	38	10	poor	poor	ADJ
ajssms-473	38	11	to	to	PART
ajssms-473	38	12	alternatively	alternatively	ADV
ajssms-473	38	13	come	come	VERB
ajssms-473	38	14	together	together	ADV
ajssms-473	38	15	and	and	CCONJ
ajssms-473	38	16	involve	involve	VERB
ajssms-473	38	17	themselves	themselves	PRON
ajssms-473	38	18	in	in	ADP
ajssms-473	38	19	self	self	NOUN
ajssms-473	38	20	help	help	NOUN
ajssms-473	38	21	groups	group	NOUN
ajssms-473	38	22	known	know	VERB
ajssms-473	38	23	as	as	ADP
ajssms-473	38	24	informal	informal	ADJ
ajssms-473	38	25	financial	financial	ADJ
ajssms-473	38	26	institutions	institution	NOUN
ajssms-473	38	27	(	(	PUNCT
ajssms-473	38	28	ifis	ifis	PROPN
ajssms-473	38	29	)	)	PUNCT
ajssms-473	38	30	in	in	ADP
ajssms-473	38	31	order	order	NOUN
ajssms-473	38	32	to	to	PART
ajssms-473	38	33	access	access	VERB
ajssms-473	38	34	investment	investment	NOUN
ajssms-473	38	35	funds	fund	NOUN
ajssms-473	38	36	to	to	PART
ajssms-473	38	37	reduce	reduce	VERB
ajssms-473	38	38	their	their	PRON
ajssms-473	38	39	poverty	poverty	NOUN
ajssms-473	38	40	level	level	NOUN
ajssms-473	38	41	.	.	PUNCT
ajssms-473	39	1	the	the	DET
ajssms-473	39	2	situation	situation	NOUN
ajssms-473	39	3	of	of	ADP
ajssms-473	39	4	konshisha	konshisha	PROPN
ajssms-473	39	5	local	local	ADJ
ajssms-473	39	6	government	government	NOUN
ajssms-473	39	7	area	area	NOUN
ajssms-473	39	8	which	which	PRON
ajssms-473	39	9	is	be	AUX
ajssms-473	39	10	basically	basically	ADV
ajssms-473	39	11	a	a	DET
ajssms-473	39	12	rural	rural	ADJ
ajssms-473	39	13	community	community	NOUN
ajssms-473	39	14	is	be	AUX
ajssms-473	39	15	not	not	PART
ajssms-473	39	16	different	different	ADJ
ajssms-473	39	17	from	from	ADP
ajssms-473	39	18	other	other	ADJ
ajssms-473	39	19	rural	rural	ADJ
ajssms-473	39	20	communities	community	NOUN
ajssms-473	39	21	in	in	ADP
ajssms-473	39	22	nigeria	nigeria	PROPN
ajssms-473	39	23	.	.	PUNCT
ajssms-473	40	1	but	but	CCONJ
ajssms-473	40	2	the	the	DET
ajssms-473	40	3	question	question	NOUN
ajssms-473	40	4	is	be	AUX
ajssms-473	40	5	to	to	PART
ajssms-473	40	6	what	what	DET
ajssms-473	40	7	extent	extent	NOUN
ajssms-473	40	8	has	have	AUX
ajssms-473	40	9	informal	informal	ADJ
ajssms-473	40	10	financial	financial	ADJ
ajssms-473	40	11	institutions	institution	NOUN
ajssms-473	40	12	in	in	ADP
ajssms-473	40	13	konshisha	konshisha	PROPN
ajssms-473	40	14	local	local	ADJ
ajssms-473	40	15	government	government	NOUN
ajssms-473	40	16	area	area	NOUN
ajssms-473	40	17	contributed	contribute	VERB
ajssms-473	40	18	to	to	ADP
ajssms-473	40	19	poverty	poverty	NOUN
ajssms-473	40	20	reduction	reduction	NOUN
ajssms-473	40	21	in	in	ADP
ajssms-473	40	22	respect	respect	NOUN
ajssms-473	40	23	to	to	ADP
ajssms-473	40	24	jobs	job	NOUN
ajssms-473	40	25	creation	creation	NOUN
ajssms-473	40	26	and	and	CCONJ
ajssms-473	40	27	provision	provision	NOUN
ajssms-473	40	28	of	of	ADP
ajssms-473	40	29	income	income	NOUN
ajssms-473	40	30	opportunities	opportunity	NOUN
ajssms-473	40	31	.	.	PUNCT
ajssms-473	41	1	it	it	PRON
ajssms-473	41	2	is	be	AUX
ajssms-473	41	3	against	against	ADP
ajssms-473	41	4	this	this	DET
ajssms-473	41	5	background	background	NOUN
ajssms-473	41	6	that	that	SCONJ
ajssms-473	41	7	this	this	DET
ajssms-473	41	8	research	research	NOUN
ajssms-473	41	9	work	work	NOUN
ajssms-473	41	10	is	be	AUX
ajssms-473	41	11	embarked	embark	VERB
ajssms-473	41	12	upon	upon	SCONJ
ajssms-473	41	13	to	to	PART
ajssms-473	41	14	ascertain	ascertain	VERB
ajssms-473	41	15	the	the	DET
ajssms-473	41	16	contribution	contribution	NOUN
ajssms-473	41	17	of	of	ADP
ajssms-473	41	18	various	various	ADJ
ajssms-473	41	19	informal	informal	ADJ
ajssms-473	41	20	financial	financial	ADJ
ajssms-473	41	21	institutions	institution	NOUN
ajssms-473	41	22	to	to	ADP
ajssms-473	41	23	poverty	poverty	NOUN
ajssms-473	41	24	reduction	reduction	NOUN
ajssms-473	41	25	of	of	ADP
ajssms-473	41	26	households	household	NOUN
ajssms-473	41	27	who	who	PRON
ajssms-473	41	28	are	be	AUX
ajssms-473	41	29	members	member	NOUN
ajssms-473	41	30	of	of	ADP
ajssms-473	41	31	these	these	DET
ajssms-473	41	32	institutions	institution	NOUN
ajssms-473	41	33	in	in	ADP
ajssms-473	41	34	konshisha	konshisha	PROPN
ajssms-473	41	35	local	local	ADJ
ajssms-473	41	36	government	government	NOUN
ajssms-473	41	37	area	area	NOUN
ajssms-473	41	38	with	with	ADP
ajssms-473	41	39	the	the	DET
ajssms-473	41	40	view	view	NOUN
ajssms-473	41	41	of	of	ADP
ajssms-473	41	42	examining	examine	VERB
ajssms-473	41	43	the	the	DET
ajssms-473	41	44	socio	socio	NOUN
ajssms-473	41	45	economic	economic	ADJ
ajssms-473	41	46	attributes	attribute	NOUN
ajssms-473	41	47	influencing	influence	VERB
ajssms-473	41	48	the	the	DET
ajssms-473	41	49	poverty	poverty	NOUN
ajssms-473	41	50	level	level	NOUN
ajssms-473	41	51	of	of	ADP
ajssms-473	41	52	the	the	DET
ajssms-473	41	53	people	people	NOUN
ajssms-473	41	54	in	in	ADP
ajssms-473	41	55	the	the	DET
ajssms-473	41	56	study	study	NOUN
ajssms-473	41	57	area	area	NOUN
ajssms-473	41	58	.	.	PUNCT
ajssms-473	42	1	2	2	X
ajssms-473	42	2	.	.	X
ajssms-473	42	3	definition	definition	NOUN
ajssms-473	42	4	of	of	ADP
ajssms-473	42	5	concepts	concept	NOUN
ajssms-473	42	6	the	the	DET
ajssms-473	42	7	term	term	NOUN
ajssms-473	42	8	poverty	poverty	NOUN
ajssms-473	42	9	means	mean	VERB
ajssms-473	42	10	so	so	ADV
ajssms-473	42	11	many	many	ADJ
ajssms-473	42	12	things	thing	NOUN
ajssms-473	42	13	to	to	ADP
ajssms-473	42	14	so	so	ADV
ajssms-473	42	15	many	many	ADJ
ajssms-473	42	16	people	people	NOUN
ajssms-473	42	17	under	under	ADP
ajssms-473	42	18	different	different	ADJ
ajssms-473	42	19	situations	situation	NOUN
ajssms-473	42	20	.	.	PUNCT
ajssms-473	43	1	awolowo	awolowo	PROPN
ajssms-473	43	2	(	(	PUNCT
ajssms-473	43	3	1981	1981	NUM
ajssms-473	43	4	)	)	PUNCT
ajssms-473	43	5	described	describe	VERB
ajssms-473	43	6	poverty	poverty	NOUN
ajssms-473	43	7	as	as	ADP
ajssms-473	43	8	“	"	PUNCT
ajssms-473	43	9	the	the	DET
ajssms-473	43	10	absence	absence	NOUN
ajssms-473	43	11	or	or	CCONJ
ajssms-473	43	12	lack	lack	NOUN
ajssms-473	43	13	of	of	ADP
ajssms-473	43	14	basic	basic	ADJ
ajssms-473	43	15	necessities	necessity	NOUN
ajssms-473	43	16	of	of	ADP
ajssms-473	43	17	life	life	NOUN
ajssms-473	43	18	or	or	CCONJ
ajssms-473	43	19	lack	lack	NOUN
ajssms-473	43	20	of	of	ADP
ajssms-473	43	21	command	command	NOUN
ajssms-473	43	22	over	over	ADP
ajssms-473	43	23	basic	basic	ADJ
ajssms-473	43	24	consumption	consumption	NOUN
ajssms-473	43	25	needs	need	VERB
ajssms-473	43	26	such	such	ADJ
ajssms-473	43	27	as	as	ADP
ajssms-473	43	28	food	food	NOUN
ajssms-473	43	29	,	,	PUNCT
ajssms-473	43	30	clothing	clothing	NOUN
ajssms-473	43	31	and	and	CCONJ
ajssms-473	43	32	shelter	shelter	NOUN
ajssms-473	43	33	’’	’'	PUNCT
ajssms-473	43	34	.	.	PUNCT
ajssms-473	44	1	there	there	PRON
ajssms-473	44	2	are	be	VERB
ajssms-473	44	3	so	so	ADV
ajssms-473	44	4	many	many	ADJ
ajssms-473	44	5	other	other	ADJ
ajssms-473	44	6	definitions	definition	NOUN
ajssms-473	44	7	of	of	ADP
ajssms-473	44	8	the	the	DET
ajssms-473	44	9	concept	concept	NOUN
ajssms-473	44	10	of	of	ADP
ajssms-473	44	11	poverty	poverty	NOUN
ajssms-473	44	12	but	but	CCONJ
ajssms-473	44	13	for	for	ADP
ajssms-473	44	14	the	the	DET
ajssms-473	44	15	purpose	purpose	NOUN
ajssms-473	44	16	of	of	ADP
ajssms-473	44	17	this	this	DET
ajssms-473	44	18	study	study	NOUN
ajssms-473	44	19	,	,	PUNCT
ajssms-473	44	20	the	the	DET
ajssms-473	44	21	researchers	researcher	NOUN
ajssms-473	44	22	define	define	VERB
ajssms-473	44	23	poverty	poverty	NOUN
ajssms-473	44	24	as	as	ADP
ajssms-473	44	25	a	a	DET
ajssms-473	44	26	situation	situation	NOUN
ajssms-473	44	27	where	where	SCONJ
ajssms-473	44	28	an	an	DET
ajssms-473	44	29	individual	individual	NOUN
ajssms-473	44	30	’s	’s	PART
ajssms-473	44	31	real	real	ADJ
ajssms-473	44	32	household	household	NOUN
ajssms-473	44	33	consumption	consumption	NOUN
ajssms-473	44	34	-	-	PUNCT
ajssms-473	44	35	expenditure	expenditure	NOUN
ajssms-473	44	36	is	be	AUX
ajssms-473	44	37	below	below	ADP
ajssms-473	44	38	63875	63875	NUM
ajssms-473	44	39	naira	naira	NOUN
ajssms-473	44	40	per	per	ADP
ajssms-473	44	41	adult/	adult/	NUM
ajssms-473	44	42	annum	annum	NOUN
ajssms-473	44	43	.	.	PUNCT
ajssms-473	45	1	this	this	DET
ajssms-473	45	2	definition	definition	NOUN
ajssms-473	45	3	implies	imply	VERB
ajssms-473	45	4	that	that	SCONJ
ajssms-473	45	5	once	once	SCONJ
ajssms-473	45	6	a	a	DET
ajssms-473	45	7	respondent	respondent	NOUN
ajssms-473	45	8	’s	’s	PART
ajssms-473	45	9	annual	annual	ADJ
ajssms-473	45	10	consumption	consumption	NOUN
ajssms-473	45	11	expenditure	expenditure	NOUN
ajssms-473	45	12	is	be	AUX
ajssms-473	45	13	below	below	ADP
ajssms-473	45	14	the	the	DET
ajssms-473	45	15	above	above	ADJ
ajssms-473	45	16	poverty	poverty	NOUN
ajssms-473	45	17	line	line	NOUN
ajssms-473	45	18	,	,	PUNCT
ajssms-473	45	19	he	he	PRON
ajssms-473	45	20	/	/	SYM
ajssms-473	45	21	she	she	PRON
ajssms-473	45	22	is	be	AUX
ajssms-473	45	23	considered	consider	VERB
ajssms-473	45	24	being	be	AUX
ajssms-473	45	25	poor	poor	ADJ
ajssms-473	45	26	.	.	PUNCT
ajssms-473	46	1	while	while	SCONJ
ajssms-473	46	2	informal	informal	ADJ
ajssms-473	46	3	financial	financial	ADJ
ajssms-473	46	4	institutions	institution	NOUN
ajssms-473	46	5	(	(	PUNCT
ajssms-473	46	6	ifis	ifis	PROPN
ajssms-473	46	7	)	)	PUNCT
ajssms-473	46	8	can	can	AUX
ajssms-473	46	9	be	be	AUX
ajssms-473	46	10	defined	define	VERB
ajssms-473	46	11	as	as	ADP
ajssms-473	46	12	local	local	ADJ
ajssms-473	46	13	arrangement	arrangement	NOUN
ajssms-473	46	14	for	for	ADP
ajssms-473	46	15	savings	saving	NOUN
ajssms-473	46	16	and	and	CCONJ
ajssms-473	46	17	credit	credit	NOUN
ajssms-473	46	18	which	which	PRON
ajssms-473	46	19	are	be	AUX
ajssms-473	46	20	unregistered	unregistered	ADJ
ajssms-473	46	21	and	and	CCONJ
ajssms-473	46	22	not	not	PART
ajssms-473	46	23	controlled	control	VERB
ajssms-473	46	24	by	by	ADP
ajssms-473	46	25	the	the	DET
ajssms-473	46	26	government	government	NOUN
ajssms-473	46	27	but	but	CCONJ
ajssms-473	46	28	operate	operate	VERB
ajssms-473	46	29	with	with	ADP
ajssms-473	46	30	an	an	DET
ajssms-473	46	31	oath	oath	NOUN
ajssms-473	46	32	of	of	ADP
ajssms-473	46	33	allegiance	allegiance	NOUN
ajssms-473	46	34	and	and	CCONJ
ajssms-473	46	35	mutual	mutual	ADJ
ajssms-473	46	36	trust	trust	NOUN
ajssms-473	46	37	.	.	PUNCT
ajssms-473	47	1	beneficiaries	beneficiary	NOUN
ajssms-473	47	2	of	of	ADP
ajssms-473	47	3	informal	informal	ADJ
ajssms-473	47	4	financial	financial	ADJ
ajssms-473	47	5	institutions	institution	NOUN
ajssms-473	47	6	:	:	PUNCT
ajssms-473	47	7	this	this	PRON
ajssms-473	47	8	refers	refer	VERB
ajssms-473	47	9	to	to	ADP
ajssms-473	47	10	people	people	NOUN
ajssms-473	47	11	who	who	PRON
ajssms-473	47	12	are	be	AUX
ajssms-473	47	13	members	member	NOUN
ajssms-473	47	14	of	of	ADP
ajssms-473	47	15	informal	informal	ADJ
ajssms-473	47	16	financial	financial	ADJ
ajssms-473	47	17	institutions	institution	NOUN
ajssms-473	47	18	in	in	ADP
ajssms-473	47	19	the	the	DET
ajssms-473	47	20	study	study	NOUN
ajssms-473	47	21	area	area	NOUN
ajssms-473	47	22	.	.	PUNCT
ajssms-473	48	1	non	non	NOUN
ajssms-473	48	2	-	-	NOUN
ajssms-473	48	3	beneficiaries	beneficiary	NOUN
ajssms-473	48	4	of	of	ADP
ajssms-473	48	5	informal	informal	ADJ
ajssms-473	48	6	financial	financial	ADJ
ajssms-473	48	7	institutions	institution	NOUN
ajssms-473	48	8	:	:	PUNCT
ajssms-473	48	9	these	these	PRON
ajssms-473	48	10	are	be	AUX
ajssms-473	48	11	non	non	NOUN
ajssms-473	48	12	-	-	NOUN
ajssms-473	48	13	members	member	NOUN
ajssms-473	48	14	of	of	ADP
ajssms-473	48	15	informal	informal	ADJ
ajssms-473	48	16	financial	financial	ADJ
ajssms-473	48	17	institutions	institution	NOUN
ajssms-473	48	18	(	(	PUNCT
ajssms-473	48	19	ifis	ifis	PROPN
ajssms-473	48	20	)	)	PUNCT
ajssms-473	48	21	and	and	CCONJ
ajssms-473	48	22	hence	hence	ADV
ajssms-473	48	23	have	have	AUX
ajssms-473	48	24	never	never	ADV
ajssms-473	48	25	benefitted	benefit	VERB
ajssms-473	48	26	from	from	ADP
ajssms-473	48	27	these	these	DET
ajssms-473	48	28	institutions	institution	NOUN
ajssms-473	48	29	in	in	ADP
ajssms-473	48	30	the	the	DET
ajssms-473	48	31	study	study	NOUN
ajssms-473	48	32	area	area	NOUN
ajssms-473	48	33	.	.	PUNCT
ajssms-473	49	1	konshisha	konshisha	PROPN
ajssms-473	49	2	:	:	PUNCT
ajssms-473	49	3	this	this	PRON
ajssms-473	49	4	is	be	AUX
ajssms-473	49	5	the	the	DET
ajssms-473	49	6	name	name	NOUN
ajssms-473	49	7	of	of	ADP
ajssms-473	49	8	one	one	NUM
ajssms-473	49	9	of	of	ADP
ajssms-473	49	10	the	the	DET
ajssms-473	49	11	local	local	ADJ
ajssms-473	49	12	government	government	NOUN
ajssms-473	49	13	councils	council	NOUN
ajssms-473	49	14	in	in	ADP
ajssms-473	49	15	benue	benue	PROPN
ajssms-473	49	16	state	state	PROPN
ajssms-473	49	17	nigeria	nigeria	PROPN
ajssms-473	49	18	,	,	PUNCT
ajssms-473	49	19	where	where	SCONJ
ajssms-473	49	20	the	the	DET
ajssms-473	49	21	research	research	NOUN
ajssms-473	49	22	work	work	NOUN
ajssms-473	49	23	was	be	AUX
ajssms-473	49	24	carried	carry	VERB
ajssms-473	49	25	out	out	ADP
ajssms-473	49	26	.	.	PUNCT
ajssms-473	50	1	2.1	2.1	NUM
ajssms-473	50	2	.	.	PUNCT
ajssms-473	51	1	theoretical	theoretical	ADJ
ajssms-473	51	2	review	review	NOUN
ajssms-473	51	3	this	this	DET
ajssms-473	51	4	research	research	NOUN
ajssms-473	51	5	work	work	NOUN
ajssms-473	51	6	is	be	AUX
ajssms-473	51	7	based	base	VERB
ajssms-473	51	8	on	on	ADP
ajssms-473	51	9	two	two	NUM
ajssms-473	51	10	theories	theory	NOUN
ajssms-473	51	11	:	:	PUNCT
ajssms-473	51	12	vicious	vicious	ADJ
ajssms-473	51	13	circle	circle	NOUN
ajssms-473	51	14	of	of	ADP
ajssms-473	51	15	poverty	poverty	NOUN
ajssms-473	51	16	and	and	CCONJ
ajssms-473	51	17	financial	financial	ADJ
ajssms-473	51	18	repression	repression	NOUN
ajssms-473	51	19	theories	theory	NOUN
ajssms-473	51	20	:	:	PUNCT
ajssms-473	51	21	the	the	DET
ajssms-473	51	22	financial	financial	ADJ
ajssms-473	51	23	repression	repression	NOUN
ajssms-473	51	24	theory	theory	NOUN
ajssms-473	51	25	(	(	PUNCT
ajssms-473	51	26	mckinnon	mckinnon	PROPN
ajssms-473	51	27	,	,	PUNCT
ajssms-473	51	28	1973	1973	NUM
ajssms-473	51	29	;	;	PUNCT
ajssms-473	51	30	shaw	shaw	PROPN
ajssms-473	51	31	,	,	PUNCT
ajssms-473	51	32	1973	1973	NUM
ajssms-473	51	33	)	)	PUNCT
ajssms-473	51	34	views	view	VERB
ajssms-473	51	35	informal	informal	ADJ
ajssms-473	51	36	finance	finance	NOUN
ajssms-473	51	37	as	as	ADP
ajssms-473	51	38	a	a	DET
ajssms-473	51	39	result	result	NOUN
ajssms-473	51	40	of	of	ADP
ajssms-473	51	41	state	state	NOUN
ajssms-473	51	42	intervention	intervention	NOUN
ajssms-473	51	43	in	in	ADP
ajssms-473	51	44	financial	financial	ADJ
ajssms-473	51	45	markets	market	NOUN
ajssms-473	51	46	through	through	ADP
ajssms-473	51	47	a	a	DET
ajssms-473	51	48	set	set	NOUN
ajssms-473	51	49	of	of	ADP
ajssms-473	51	50	regulations	regulation	NOUN
ajssms-473	51	51	and	and	CCONJ
ajssms-473	51	52	restrictions	restriction	NOUN
ajssms-473	51	53	.	.	PUNCT
ajssms-473	52	1	instruments	instrument	NOUN
ajssms-473	52	2	of	of	ADP
ajssms-473	52	3	financial	financial	ADJ
ajssms-473	52	4	regulations	regulation	NOUN
ajssms-473	52	5	include	include	VERB
ajssms-473	52	6	among	among	ADP
ajssms-473	52	7	other	other	ADJ
ajssms-473	52	8	things	thing	NOUN
ajssms-473	52	9	,	,	PUNCT
ajssms-473	52	10	interest	interest	NOUN
ajssms-473	52	11	rate	rate	NOUN
ajssms-473	52	12	ceiling	ceiling	NOUN
ajssms-473	52	13	,	,	PUNCT
ajssms-473	52	14	high	high	ADJ
ajssms-473	52	15	liquidity	liquidity	NOUN
ajssms-473	52	16	ratio	ratio	NOUN
ajssms-473	52	17	requirement	requirement	NOUN
ajssms-473	52	18	,	,	PUNCT
ajssms-473	52	19	high	high	ADJ
ajssms-473	52	20	bank	bank	PROPN
ajssms-473	52	21	reserve	reserve	NOUN
ajssms-473	52	22	requirements	requirement	NOUN
ajssms-473	52	23	,	,	PUNCT
ajssms-473	52	24	capital	capital	NOUN
ajssms-473	52	25	and	and	CCONJ
ajssms-473	52	26	credit	credit	NOUN
ajssms-473	52	27	control	control	NOUN
ajssms-473	52	28	and	and	CCONJ
ajssms-473	52	29	restrictions	restriction	NOUN
ajssms-473	52	30	on	on	ADP
ajssms-473	52	31	market	market	NOUN
ajssms-473	52	32	entry	entry	NOUN
ajssms-473	52	33	.	.	PUNCT
ajssms-473	53	1	…	…	PUNCT
ajssms-473	53	2	.	.	PUNCT
ajssms-473	54	1	all	all	DET
ajssms-473	54	2	these	these	DET
ajssms-473	54	3	policies	policy	NOUN
ajssms-473	54	4	have	have	VERB
ajssms-473	54	5	a	a	DET
ajssms-473	54	6	great	great	ADJ
ajssms-473	54	7	potential	potential	NOUN
ajssms-473	54	8	of	of	ADP
ajssms-473	54	9	discouraging	discourage	VERB
ajssms-473	54	10	savings	saving	NOUN
ajssms-473	54	11	while	while	SCONJ
ajssms-473	54	12	reducing	reduce	VERB
ajssms-473	54	13	supply	supply	NOUN
ajssms-473	54	14	of	of	ADP
ajssms-473	54	15	credit	credit	NOUN
ajssms-473	54	16	by	by	ADP
ajssms-473	54	17	formal	formal	ADJ
ajssms-473	54	18	financial	financial	ADJ
ajssms-473	54	19	institutions	institution	NOUN
ajssms-473	54	20	.	.	PUNCT
ajssms-473	55	1	as	as	ADP
ajssms-473	55	2	a	a	DET
ajssms-473	55	3	consequence	consequence	NOUN
ajssms-473	55	4	some	some	DET
ajssms-473	55	5	individuals	individual	NOUN
ajssms-473	55	6	are	be	AUX
ajssms-473	55	7	prevented	prevent	VERB
ajssms-473	55	8	from	from	ADP
ajssms-473	55	9	accessing	access	VERB
ajssms-473	55	10	credit	credit	NOUN
ajssms-473	55	11	,	,	PUNCT
ajssms-473	55	12	even	even	ADV
ajssms-473	55	13	though	though	SCONJ
ajssms-473	55	14	without	without	ADP
ajssms-473	55	15	these	these	DET
ajssms-473	55	16	regulations	regulation	NOUN
ajssms-473	55	17	they	they	PRON
ajssms-473	55	18	qualify	qualify	VERB
ajssms-473	55	19	for	for	ADP
ajssms-473	55	20	obtaining	obtain	VERB
ajssms-473	55	21	formal	formal	ADJ
ajssms-473	55	22	credits	credit	NOUN
ajssms-473	55	23	.	.	PUNCT
ajssms-473	56	1	the	the	DET
ajssms-473	56	2	resulting	result	VERB
ajssms-473	56	3	unsatisfied	unsatisfied	ADJ
ajssms-473	56	4	demand	demand	NOUN
ajssms-473	56	5	is	be	AUX
ajssms-473	56	6	therefore	therefore	ADV
ajssms-473	56	7	,	,	PUNCT
ajssms-473	56	8	absorbed	absorb	VERB
ajssms-473	56	9	by	by	ADP
ajssms-473	56	10	the	the	DET
ajssms-473	56	11	unorganized	unorganized	ADJ
ajssms-473	56	12	informal	informal	ADJ
ajssms-473	56	13	money	money	NOUN
ajssms-473	56	14	markets	market	NOUN
ajssms-473	56	15	which	which	PRON
ajssms-473	56	16	act	act	VERB
ajssms-473	56	17	as	as	ADP
ajssms-473	56	18	a	a	DET
ajssms-473	56	19	residual	residual	ADJ
ajssms-473	56	20	market	market	NOUN
ajssms-473	56	21	such	such	ADJ
ajssms-473	56	22	as	as	ADP
ajssms-473	56	23	to	to	PART
ajssms-473	56	24	allow	allow	VERB
ajssms-473	56	25	financial	financial	ADJ
ajssms-473	56	26	market	market	NOUN
ajssms-473	56	27	clear	clear	ADJ
ajssms-473	56	28	.	.	PUNCT
ajssms-473	57	1	it	it	PRON
ajssms-473	57	2	is	be	AUX
ajssms-473	57	3	implicitly	implicitly	ADV
ajssms-473	57	4	assumed	assume	VERB
ajssms-473	57	5	that	that	SCONJ
ajssms-473	57	6	informal	informal	ADJ
ajssms-473	57	7	financial	financial	ADJ
ajssms-473	57	8	markets	market	NOUN
ajssms-473	57	9	are	be	AUX
ajssms-473	57	10	easily	easily	ADV
ajssms-473	57	11	accessible	accessible	ADJ
ajssms-473	57	12	.	.	PUNCT
ajssms-473	58	1	vicious	vicious	ADJ
ajssms-473	58	2	circle	circle	NOUN
ajssms-473	58	3	of	of	ADP
ajssms-473	58	4	poverty	poverty	NOUN
ajssms-473	58	5	:	:	PUNCT
ajssms-473	58	6	this	this	DET
ajssms-473	58	7	theory	theory	NOUN
ajssms-473	58	8	emphasized	emphasize	VERB
ajssms-473	58	9	the	the	DET
ajssms-473	58	10	link	link	NOUN
ajssms-473	58	11	between	between	ADP
ajssms-473	58	12	lack	lack	NOUN
ajssms-473	58	13	of	of	ADP
ajssms-473	58	14	capital	capital	NOUN
ajssms-473	58	15	and	and	CCONJ
ajssms-473	58	16	under	under	ADP
ajssms-473	58	17	development	development	NOUN
ajssms-473	58	18	.	.	PUNCT
ajssms-473	59	1	the	the	DET
ajssms-473	59	2	theory	theory	NOUN
ajssms-473	59	3	can	can	AUX
ajssms-473	59	4	be	be	AUX
ajssms-473	59	5	used	use	VERB
ajssms-473	59	6	at	at	ADP
ajssms-473	59	7	both	both	CCONJ
ajssms-473	59	8	national	national	ADJ
ajssms-473	59	9	and	and	CCONJ
ajssms-473	59	10	individual	individual	ADJ
ajssms-473	59	11	levels	level	NOUN
ajssms-473	59	12	,	,	PUNCT
ajssms-473	59	13	but	but	CCONJ
ajssms-473	59	14	we	we	PRON
ajssms-473	59	15	concentrated	concentrate	VERB
ajssms-473	59	16	on	on	ADP
ajssms-473	59	17	the	the	DET
ajssms-473	59	18	individual	individual	ADJ
ajssms-473	59	19	level	level	NOUN
ajssms-473	59	20	in	in	ADP
ajssms-473	59	21	this	this	DET
ajssms-473	59	22	research	research	NOUN
ajssms-473	59	23	work	work	NOUN
ajssms-473	59	24	.	.	PUNCT
ajssms-473	60	1	however	however	ADV
ajssms-473	60	2	,	,	PUNCT
ajssms-473	60	3	the	the	DET
ajssms-473	60	4	vicious	vicious	ADJ
ajssms-473	60	5	circles	circle	NOUN
ajssms-473	60	6	operate	operate	VERB
ajssms-473	60	7	both	both	PRON
ajssms-473	60	8	on	on	ADP
ajssms-473	60	9	demand	demand	NOUN
ajssms-473	60	10	side	side	NOUN
ajssms-473	60	11	and	and	CCONJ
ajssms-473	60	12	the	the	DET
ajssms-473	60	13	supply	supply	NOUN
ajssms-473	60	14	side	side	NOUN
ajssms-473	60	15	,	,	PUNCT
ajssms-473	60	16	the	the	DET
ajssms-473	60	17	demand	demand	NOUN
ajssms-473	60	18	side	side	NOUN
ajssms-473	60	19	of	of	ADP
ajssms-473	60	20	the	the	DET
ajssms-473	60	21	vicious	vicious	ADJ
ajssms-473	60	22	circle	circle	NOUN
ajssms-473	60	23	is	be	AUX
ajssms-473	60	24	that	that	SCONJ
ajssms-473	60	25	the	the	DET
ajssms-473	60	26	low	low	ADJ
ajssms-473	60	27	level	level	NOUN
ajssms-473	60	28	of	of	ADP
ajssms-473	60	29	real	real	ADJ
ajssms-473	60	30	income	income	NOUN
ajssms-473	60	31	leads	lead	VERB
ajssms-473	60	32	to	to	ADP
ajssms-473	60	33	low	low	ADJ
ajssms-473	60	34	level	level	NOUN
ajssms-473	60	35	of	of	ADP
ajssms-473	60	36	demand	demand	NOUN
ajssms-473	60	37	which	which	PRON
ajssms-473	60	38	is	be	AUX
ajssms-473	60	39	in	in	ADP
ajssms-473	60	40	turn	turn	NOUN
ajssms-473	60	41	leads	lead	VERB
ajssms-473	60	42	to	to	ADP
ajssms-473	60	43	a	a	DET
ajssms-473	60	44	low	low	ADJ
ajssms-473	60	45	rate	rate	NOUN
ajssms-473	60	46	of	of	ADP
ajssms-473	60	47	investment	investment	NOUN
ajssms-473	60	48	resulting	result	VERB
ajssms-473	60	49	to	to	ADP
ajssms-473	60	50	deficiency	deficiency	NOUN
ajssms-473	60	51	of	of	ADP
ajssms-473	60	52	capital	capital	NOUN
ajssms-473	60	53	,	,	PUNCT
ajssms-473	60	54	low	low	ADJ
ajssms-473	60	55	productivity	productivity	NOUN
ajssms-473	60	56	and	and	CCONJ
ajssms-473	60	57	low	low	ADJ
ajssms-473	60	58	income	income	NOUN
ajssms-473	60	59	.	.	PUNCT
ajssms-473	61	1	while	while	SCONJ
ajssms-473	61	2	the	the	DET
ajssms-473	61	3	supply	supply	NOUN
ajssms-473	61	4	side	side	NOUN
ajssms-473	61	5	of	of	ADP
ajssms-473	61	6	the	the	DET
ajssms-473	61	7	vicious	vicious	ADJ
ajssms-473	61	8	circle	circle	NOUN
ajssms-473	61	9	holds	hold	VERB
ajssms-473	61	10	that	that	DET
ajssms-473	61	11	low	low	ADJ
ajssms-473	61	12	level	level	NOUN
ajssms-473	61	13	of	of	ADP
ajssms-473	61	14	real	real	ADJ
ajssms-473	61	15	income	income	NOUN
ajssms-473	61	16	means	mean	VERB
ajssms-473	61	17	low	low	ADJ
ajssms-473	61	18	saving	saving	NOUN
ajssms-473	61	19	which	which	PRON
ajssms-473	61	20	leads	lead	VERB
ajssms-473	61	21	to	to	ADP
ajssms-473	61	22	low	low	ADJ
ajssms-473	61	23	investment	investment	NOUN
ajssms-473	61	24	and	and	CCONJ
ajssms-473	61	25	deficiency	deficiency	NOUN
ajssms-473	61	26	of	of	ADP
ajssms-473	61	27	capital	capital	NOUN
ajssms-473	61	28	.	.	PUNCT
ajssms-473	62	1	asian	asian	ADJ
ajssms-473	62	2	journal	journal	PROPN
ajssms-473	62	3	of	of	ADP
ajssms-473	62	4	social	social	ADJ
ajssms-473	62	5	sciences	sciences	PROPN
ajssms-473	62	6	and	and	CCONJ
ajssms-473	62	7	management	management	NOUN
ajssms-473	62	8	studies	study	NOUN
ajssms-473	62	9	,	,	PUNCT
ajssms-473	62	10	2016	2016	NUM
ajssms-473	62	11	,	,	PUNCT
ajssms-473	62	12	3(1	3(1	NUM
ajssms-473	62	13	):	):	PUNCT
ajssms-473	62	14	82	82	NUM
ajssms-473	62	15	-	-	SYM
ajssms-473	62	16	90	90	NUM
ajssms-473	62	17	84	84	NUM
ajssms-473	62	18	the	the	DET
ajssms-473	62	19	deficiency	deficiency	NOUN
ajssms-473	62	20	of	of	ADP
ajssms-473	62	21	capital	capital	NOUN
ajssms-473	62	22	in	in	ADP
ajssms-473	62	23	turn	turn	NOUN
ajssms-473	62	24	leads	lead	VERB
ajssms-473	62	25	to	to	ADP
ajssms-473	62	26	a	a	DET
ajssms-473	62	27	low	low	ADJ
ajssms-473	62	28	level	level	NOUN
ajssms-473	62	29	of	of	ADP
ajssms-473	62	30	productivity	productivity	NOUN
ajssms-473	62	31	and	and	CCONJ
ajssms-473	62	32	back	back	ADV
ajssms-473	62	33	to	to	ADP
ajssms-473	62	34	low	low	ADJ
ajssms-473	62	35	income	income	NOUN
ajssms-473	62	36	.	.	PUNCT
ajssms-473	63	1	this	this	DET
ajssms-473	63	2	theory	theory	NOUN
ajssms-473	63	3	is	be	AUX
ajssms-473	63	4	adopted	adopt	VERB
ajssms-473	63	5	for	for	ADP
ajssms-473	63	6	this	this	DET
ajssms-473	63	7	study	study	NOUN
ajssms-473	63	8	because	because	SCONJ
ajssms-473	63	9	many	many	ADJ
ajssms-473	63	10	rural	rural	ADJ
ajssms-473	63	11	communities	community	NOUN
ajssms-473	63	12	in	in	ADP
ajssms-473	63	13	nigeria	nigeria	PROPN
ajssms-473	63	14	are	be	AUX
ajssms-473	63	15	poor	poor	ADJ
ajssms-473	63	16	due	due	ADJ
ajssms-473	63	17	to	to	PART
ajssms-473	63	18	lack	lack	VERB
ajssms-473	63	19	capital	capital	NOUN
ajssms-473	63	20	to	to	PART
ajssms-473	63	21	increase	increase	VERB
ajssms-473	63	22	productivity	productivity	NOUN
ajssms-473	63	23	resulting	result	VERB
ajssms-473	63	24	to	to	ADP
ajssms-473	63	25	low	low	ADJ
ajssms-473	63	26	income	income	NOUN
ajssms-473	63	27	and	and	CCONJ
ajssms-473	63	28	saving	saving	NOUN
ajssms-473	63	29	.	.	PUNCT
ajssms-473	64	1	3	3	X
ajssms-473	64	2	.	.	X
ajssms-473	64	3	methodology	methodology	NOUN
ajssms-473	64	4	this	this	DET
ajssms-473	64	5	study	study	NOUN
ajssms-473	64	6	was	be	AUX
ajssms-473	64	7	conducted	conduct	VERB
ajssms-473	64	8	in	in	ADP
ajssms-473	64	9	konshisha	konshisha	PROPN
ajssms-473	64	10	local	local	ADJ
ajssms-473	64	11	government	government	NOUN
ajssms-473	64	12	area	area	NOUN
ajssms-473	64	13	of	of	ADP
ajssms-473	64	14	benue	benue	PROPN
ajssms-473	64	15	state	state	PROPN
ajssms-473	64	16	,	,	PUNCT
ajssms-473	64	17	nigeria	nigeria	PROPN
ajssms-473	64	18	.	.	PUNCT
ajssms-473	65	1	the	the	DET
ajssms-473	65	2	local	local	ADJ
ajssms-473	65	3	government	government	NOUN
ajssms-473	65	4	is	be	AUX
ajssms-473	65	5	an	an	DET
ajssms-473	65	6	agrarian	agrarian	ADJ
ajssms-473	65	7	community	community	NOUN
ajssms-473	65	8	with	with	ADP
ajssms-473	65	9	large	large	ADJ
ajssms-473	65	10	percentage	percentage	NOUN
ajssms-473	65	11	of	of	ADP
ajssms-473	65	12	the	the	DET
ajssms-473	65	13	populace	populace	NOUN
ajssms-473	65	14	engaged	engage	VERB
ajssms-473	65	15	in	in	ADP
ajssms-473	65	16	farming	farming	NOUN
ajssms-473	65	17	and	and	CCONJ
ajssms-473	65	18	agro	agro	ADV
ajssms-473	65	19	-	-	PUNCT
ajssms-473	65	20	allied	ally	VERB
ajssms-473	65	21	activities	activity	NOUN
ajssms-473	65	22	.	.	PUNCT
ajssms-473	66	1	the	the	DET
ajssms-473	66	2	population	population	NOUN
ajssms-473	66	3	for	for	ADP
ajssms-473	66	4	this	this	DET
ajssms-473	66	5	study	study	NOUN
ajssms-473	66	6	is	be	AUX
ajssms-473	66	7	made	make	VERB
ajssms-473	66	8	up	up	ADP
ajssms-473	66	9	of	of	ADP
ajssms-473	66	10	all	all	DET
ajssms-473	66	11	the	the	DET
ajssms-473	66	12	informal	informal	ADJ
ajssms-473	66	13	financial	financial	ADJ
ajssms-473	66	14	institutions	institution	NOUN
ajssms-473	66	15	in	in	ADP
ajssms-473	66	16	konshisha	konshisha	PROPN
ajssms-473	66	17	local	local	ADJ
ajssms-473	66	18	government	government	NOUN
ajssms-473	66	19	(	(	PUNCT
ajssms-473	66	20	256	256	NUM
ajssms-473	66	21	ifis	ifis	NOUN
ajssms-473	66	22	)	)	PUNCT
ajssms-473	66	23	comprising	comprise	VERB
ajssms-473	66	24	14,184	14,184	NUM
ajssms-473	66	25	members	member	NOUN
ajssms-473	66	26	compiled	compile	VERB
ajssms-473	66	27	across	across	ADP
ajssms-473	66	28	the	the	DET
ajssms-473	66	29	eleven	eleven	NUM
ajssms-473	66	30	council	council	NOUN
ajssms-473	66	31	wards	ward	NOUN
ajssms-473	66	32	of	of	ADP
ajssms-473	66	33	the	the	DET
ajssms-473	66	34	local	local	ADJ
ajssms-473	66	35	government	government	NOUN
ajssms-473	66	36	during	during	ADP
ajssms-473	66	37	pre	pre	ADJ
ajssms-473	66	38	-	-	ADJ
ajssms-473	66	39	survey	survey	ADJ
ajssms-473	66	40	stage	stage	NOUN
ajssms-473	66	41	of	of	ADP
ajssms-473	66	42	the	the	DET
ajssms-473	66	43	study	study	NOUN
ajssms-473	66	44	.	.	PUNCT
ajssms-473	67	1	one	one	NUM
ajssms-473	67	2	informal	informal	ADJ
ajssms-473	67	3	financial	financial	ADJ
ajssms-473	67	4	institution	institution	NOUN
ajssms-473	67	5	was	be	AUX
ajssms-473	67	6	selected	select	VERB
ajssms-473	67	7	from	from	ADP
ajssms-473	67	8	each	each	PRON
ajssms-473	67	9	of	of	ADP
ajssms-473	67	10	the	the	DET
ajssms-473	67	11	eleven	eleven	NUM
ajssms-473	67	12	council	council	NOUN
ajssms-473	67	13	wards	ward	NOUN
ajssms-473	67	14	of	of	ADP
ajssms-473	67	15	the	the	DET
ajssms-473	67	16	local	local	ADJ
ajssms-473	67	17	government	government	NOUN
ajssms-473	67	18	to	to	PART
ajssms-473	67	19	have	have	VERB
ajssms-473	67	20	a	a	DET
ajssms-473	67	21	total	total	ADJ
ajssms-473	67	22	number	number	NOUN
ajssms-473	67	23	of	of	ADP
ajssms-473	67	24	eleven	eleven	NUM
ajssms-473	67	25	ifis	ifis	NOUN
ajssms-473	67	26	giving	give	VERB
ajssms-473	67	27	a	a	DET
ajssms-473	67	28	total	total	ADJ
ajssms-473	67	29	population	population	NOUN
ajssms-473	67	30	of	of	ADP
ajssms-473	67	31	1,604	1,604	NUM
ajssms-473	67	32	members	member	NOUN
ajssms-473	67	33	for	for	ADP
ajssms-473	67	34	the	the	DET
ajssms-473	67	35	study	study	NOUN
ajssms-473	67	36	.	.	PUNCT
ajssms-473	68	1	ten	ten	NUM
ajssms-473	68	2	(	(	PUNCT
ajssms-473	68	3	10	10	NUM
ajssms-473	68	4	)	)	PUNCT
ajssms-473	68	5	respondents	respondent	NOUN
ajssms-473	68	6	were	be	AUX
ajssms-473	68	7	then	then	ADV
ajssms-473	68	8	randomly	randomly	ADV
ajssms-473	68	9	sampled	sample	VERB
ajssms-473	68	10	from	from	ADP
ajssms-473	68	11	each	each	PRON
ajssms-473	68	12	of	of	ADP
ajssms-473	68	13	the	the	DET
ajssms-473	68	14	eleven	eleven	NUM
ajssms-473	68	15	(	(	PUNCT
ajssms-473	68	16	11	11	NUM
ajssms-473	68	17	)	)	PUNCT
ajssms-473	68	18	purposely	purposely	ADV
ajssms-473	68	19	selected	select	VERB
ajssms-473	68	20	ifis	ifis	NOUN
ajssms-473	68	21	across	across	ADP
ajssms-473	68	22	all	all	DET
ajssms-473	68	23	the	the	DET
ajssms-473	68	24	eleven	eleven	NUM
ajssms-473	68	25	council	council	NOUN
ajssms-473	68	26	wards	ward	NOUN
ajssms-473	68	27	in	in	ADP
ajssms-473	68	28	the	the	DET
ajssms-473	68	29	study	study	NOUN
ajssms-473	68	30	area	area	NOUN
ajssms-473	68	31	for	for	ADP
ajssms-473	68	32	completion	completion	NOUN
ajssms-473	68	33	.	.	PUNCT
ajssms-473	69	1	the	the	DET
ajssms-473	69	2	same	same	ADJ
ajssms-473	69	3	numbers	number	NOUN
ajssms-473	69	4	of	of	ADP
ajssms-473	69	5	respondents	respondent	NOUN
ajssms-473	69	6	were	be	AUX
ajssms-473	69	7	also	also	ADV
ajssms-473	69	8	randomly	randomly	ADV
ajssms-473	69	9	sampled	sample	VERB
ajssms-473	69	10	for	for	ADP
ajssms-473	69	11	non	non	NOUN
ajssms-473	69	12	-	-	NOUN
ajssms-473	69	13	beneficiaries	beneficiary	NOUN
ajssms-473	69	14	of	of	ADP
ajssms-473	69	15	ifis	ifis	NOUN
ajssms-473	69	16	in	in	ADP
ajssms-473	69	17	the	the	DET
ajssms-473	69	18	same	same	ADJ
ajssms-473	69	19	area	area	NOUN
ajssms-473	69	20	.	.	PUNCT
ajssms-473	70	1	these	these	DET
ajssms-473	70	2	two	two	NUM
ajssms-473	70	3	samples	sample	NOUN
ajssms-473	70	4	gave	give	VERB
ajssms-473	70	5	a	a	DET
ajssms-473	70	6	desired	desire	VERB
ajssms-473	70	7	sample	sample	NOUN
ajssms-473	70	8	size	size	NOUN
ajssms-473	70	9	of	of	ADP
ajssms-473	70	10	220	220	NUM
ajssms-473	70	11	respondents	respondent	NOUN
ajssms-473	70	12	considered	consider	VERB
ajssms-473	70	13	for	for	ADP
ajssms-473	70	14	analysis	analysis	NOUN
ajssms-473	70	15	.	.	PUNCT
ajssms-473	71	1	the	the	DET
ajssms-473	71	2	data	datum	NOUN
ajssms-473	71	3	collected	collect	VERB
ajssms-473	71	4	for	for	ADP
ajssms-473	71	5	this	this	DET
ajssms-473	71	6	study	study	NOUN
ajssms-473	71	7	was	be	AUX
ajssms-473	71	8	analyzed	analyze	VERB
ajssms-473	71	9	using	use	VERB
ajssms-473	71	10	both	both	CCONJ
ajssms-473	71	11	descriptive	descriptive	ADJ
ajssms-473	71	12	and	and	CCONJ
ajssms-473	71	13	inferential	inferential	ADJ
ajssms-473	71	14	statistics	statistic	NOUN
ajssms-473	71	15	.	.	PUNCT
ajssms-473	72	1	the	the	DET
ajssms-473	72	2	description	description	NOUN
ajssms-473	72	3	statistics	statistic	NOUN
ajssms-473	72	4	includes	include	VERB
ajssms-473	72	5	mean	mean	ADJ
ajssms-473	72	6	,	,	PUNCT
ajssms-473	72	7	standard	standard	ADJ
ajssms-473	72	8	deviation	deviation	NOUN
ajssms-473	72	9	,	,	PUNCT
ajssms-473	72	10	frequency	frequency	NOUN
ajssms-473	72	11	,	,	PUNCT
ajssms-473	72	12	percentages	percentage	NOUN
ajssms-473	72	13	and	and	CCONJ
ajssms-473	72	14	dollar	dollar	NOUN
ajssms-473	72	15	per	per	ADP
ajssms-473	72	16	day	day	NOUN
ajssms-473	72	17	measure	measure	NOUN
ajssms-473	72	18	of	of	ADP
ajssms-473	72	19	poverty	poverty	NOUN
ajssms-473	72	20	.	.	PUNCT
ajssms-473	73	1	while	while	SCONJ
ajssms-473	73	2	adult	adult	NOUN
ajssms-473	73	3	equivalent	equivalent	ADJ
ajssms-473	73	4	scale	scale	NOUN
ajssms-473	73	5	,	,	PUNCT
ajssms-473	73	6	popular	popular	ADJ
ajssms-473	73	7	p	p	ADJ
ajssms-473	73	8	-	-	PUNCT
ajssms-473	73	9	alpha	alpha	NOUN
ajssms-473	73	10	class	class	NOUN
ajssms-473	73	11	of	of	ADP
ajssms-473	73	12	poverty	poverty	NOUN
ajssms-473	73	13	measure	measure	NOUN
ajssms-473	73	14	and	and	CCONJ
ajssms-473	73	15	logit	logit	PROPN
ajssms-473	73	16	regression	regression	NOUN
ajssms-473	73	17	served	serve	VERB
ajssms-473	73	18	as	as	ADP
ajssms-473	73	19	inferential	inferential	ADJ
ajssms-473	73	20	tools	tool	NOUN
ajssms-473	73	21	.	.	PUNCT
ajssms-473	74	1	3.1	3.1	NUM
ajssms-473	74	2	.	.	PUNCT
ajssms-473	75	1	the	the	DET
ajssms-473	75	2	adult	adult	NOUN
ajssms-473	75	3	equivalent	equivalent	ADJ
ajssms-473	75	4	scale	scale	NOUN
ajssms-473	75	5	this	this	DET
ajssms-473	75	6	scale	scale	NOUN
ajssms-473	75	7	was	be	AUX
ajssms-473	75	8	used	use	VERB
ajssms-473	75	9	to	to	PART
ajssms-473	75	10	obtain	obtain	VERB
ajssms-473	75	11	the	the	DET
ajssms-473	75	12	real	real	ADJ
ajssms-473	75	13	household	household	NOUN
ajssms-473	75	14	consumption	consumption	NOUN
ajssms-473	75	15	-	-	PUNCT
ajssms-473	75	16	expenditure	expenditure	NOUN
ajssms-473	75	17	of	of	ADP
ajssms-473	75	18	the	the	DET
ajssms-473	75	19	respondents	respondent	NOUN
ajssms-473	75	20	.	.	PUNCT
ajssms-473	76	1	it	it	PRON
ajssms-473	76	2	is	be	AUX
ajssms-473	76	3	recommended	recommend	VERB
ajssms-473	76	4	by	by	ADP
ajssms-473	76	5	the	the	DET
ajssms-473	76	6	organization	organization	NOUN
ajssms-473	76	7	for	for	ADP
ajssms-473	76	8	economic	economic	ADJ
ajssms-473	76	9	cooperation	cooperation	NOUN
ajssms-473	76	10	and	and	CCONJ
ajssms-473	76	11	development	development	NOUN
ajssms-473	76	12	(	(	PUNCT
ajssms-473	76	13	oecd	oecd	PROPN
ajssms-473	76	14	)	)	PUNCT
ajssms-473	76	15	and	and	CCONJ
ajssms-473	76	16	was	be	AUX
ajssms-473	76	17	used	use	VERB
ajssms-473	76	18	by	by	ADP
ajssms-473	76	19	noah	noah	PROPN
ajssms-473	76	20	et	et	PROPN
ajssms-473	76	21	al	al	PROPN
ajssms-473	76	22	.	.	PROPN
ajssms-473	77	1	(	(	PUNCT
ajssms-473	77	2	2009	2009	NUM
ajssms-473	77	3	)	)	PUNCT
ajssms-473	77	4	.	.	PUNCT
ajssms-473	78	1	it	it	PRON
ajssms-473	78	2	is	be	AUX
ajssms-473	78	3	adopted	adopt	VERB
ajssms-473	78	4	in	in	ADP
ajssms-473	78	5	this	this	DET
ajssms-473	78	6	research	research	NOUN
ajssms-473	78	7	work	work	NOUN
ajssms-473	78	8	due	due	ADP
ajssms-473	78	9	to	to	ADP
ajssms-473	78	10	it	it	PRON
ajssms-473	78	11	’s	’	VERB
ajssms-473	78	12	simplicity	simplicity	NOUN
ajssms-473	78	13	of	of	ADP
ajssms-473	78	14	use	use	NOUN
ajssms-473	78	15	.	.	PUNCT
ajssms-473	79	1	it	it	PRON
ajssms-473	79	2	is	be	AUX
ajssms-473	79	3	expressed	express	VERB
ajssms-473	79	4	as	as	SCONJ
ajssms-473	79	5	follows	follow	VERB
ajssms-473	79	6	:	:	PUNCT
ajssms-473	79	7	∑xpeq	∑xpeq	X
ajssms-473	79	8	=	=	PUNCT
ajssms-473	79	9	∑xp	∑xp	NUM
ajssms-473	79	10	/	/	SYM
ajssms-473	79	11	n	n	CCONJ
ajssms-473	79	12	(	(	PUNCT
ajssms-473	79	13	0.7	0.7	NUM
ajssms-473	79	14	)	)	PUNCT
ajssms-473	79	15	∑xp	∑xp	PUNCT
ajssms-473	80	1	=	=	PUNCT
ajssms-473	80	2	total	total	ADJ
ajssms-473	80	3	household	household	NOUN
ajssms-473	80	4	expenditure	expenditure	NOUN
ajssms-473	80	5	n	n	NOUN
ajssms-473	80	6	=	=	NOUN
ajssms-473	80	7	household	household	NOUN
ajssms-473	80	8	size	size	NOUN
ajssms-473	80	9	0.7	0.7	NUM
ajssms-473	80	10	=	=	SYM
ajssms-473	80	11	exponential	exponential	ADJ
ajssms-473	80	12	formation	formation	NOUN
ajssms-473	80	13	representing	represent	VERB
ajssms-473	80	14	other	other	ADJ
ajssms-473	80	15	adults	adult	NOUN
ajssms-473	80	16	in	in	ADP
ajssms-473	80	17	a	a	DET
ajssms-473	80	18	particular	particular	ADJ
ajssms-473	80	19	household	household	NOUN
ajssms-473	80	20	(	(	PUNCT
ajssms-473	80	21	grootaert	grootaert	NOUN
ajssms-473	80	22	and	and	CCONJ
ajssms-473	80	23	braithwaite	braithwaite	PROPN
ajssms-473	80	24	,	,	PUNCT
ajssms-473	80	25	1998	1998	NUM
ajssms-473	80	26	)	)	PUNCT
ajssms-473	80	27	.	.	PUNCT
ajssms-473	81	1	3.2	3.2	NUM
ajssms-473	81	2	.	.	X
ajssms-473	81	3	dollar	dollar	NOUN
ajssms-473	81	4	per	per	ADP
ajssms-473	81	5	day	day	NOUN
ajssms-473	81	6	measure	measure	NOUN
ajssms-473	81	7	of	of	ADP
ajssms-473	81	8	poverty	poverty	NOUN
ajssms-473	81	9	dollar	dollar	NOUN
ajssms-473	81	10	per	per	ADP
ajssms-473	81	11	day	day	NOUN
ajssms-473	81	12	was	be	AUX
ajssms-473	81	13	used	use	VERB
ajssms-473	81	14	as	as	ADP
ajssms-473	81	15	poverty	poverty	NOUN
ajssms-473	81	16	line	line	NOUN
ajssms-473	81	17	to	to	PART
ajssms-473	81	18	separate	separate	VERB
ajssms-473	81	19	the	the	DET
ajssms-473	81	20	poor	poor	ADJ
ajssms-473	81	21	from	from	ADP
ajssms-473	81	22	the	the	DET
ajssms-473	81	23	non	non	ADJ
ajssms-473	81	24	-	-	ADJ
ajssms-473	81	25	poor	poor	ADJ
ajssms-473	81	26	during	during	ADP
ajssms-473	81	27	data	datum	NOUN
ajssms-473	81	28	analysis	analysis	NOUN
ajssms-473	81	29	.	.	PUNCT
ajssms-473	82	1	poverty	poverty	NOUN
ajssms-473	82	2	line	line	NOUN
ajssms-473	82	3	is	be	AUX
ajssms-473	82	4	an	an	DET
ajssms-473	82	5	arbitrary	arbitrary	ADJ
ajssms-473	82	6	divider	divider	NOUN
ajssms-473	82	7	of	of	ADP
ajssms-473	82	8	the	the	DET
ajssms-473	82	9	poor	poor	ADJ
ajssms-473	82	10	from	from	ADP
ajssms-473	82	11	the	the	DET
ajssms-473	82	12	non	non	ADJ
ajssms-473	82	13	poor	poor	ADJ
ajssms-473	82	14	(	(	PUNCT
ajssms-473	82	15	federal	federal	PROPN
ajssms-473	82	16	of	of	ADP
ajssms-473	82	17	statistics	statistic	NOUN
ajssms-473	82	18	(	(	PUNCT
ajssms-473	82	19	f.o.s	f.o.s	NOUN
ajssms-473	82	20	)	)	PUNCT
ajssms-473	82	21	,	,	PUNCT
ajssms-473	82	22	1999	1999	NUM
ajssms-473	82	23	)	)	PUNCT
ajssms-473	82	24	.	.	PUNCT
ajssms-473	83	1	to	to	PART
ajssms-473	83	2	delineate	delineate	VERB
ajssms-473	83	3	the	the	DET
ajssms-473	83	4	poor	poor	ADJ
ajssms-473	83	5	from	from	ADP
ajssms-473	83	6	the	the	DET
ajssms-473	83	7	nonpoor	nonpoor	NOUN
ajssms-473	83	8	,	,	PUNCT
ajssms-473	83	9	a	a	DET
ajssms-473	83	10	minimum	minimum	ADJ
ajssms-473	83	11	acceptable	acceptable	ADJ
ajssms-473	83	12	threshold	threshold	NOUN
ajssms-473	83	13	to	to	PART
ajssms-473	83	14	measure	measure	VERB
ajssms-473	83	15	the	the	DET
ajssms-473	83	16	standard	standard	NOUN
ajssms-473	83	17	of	of	ADP
ajssms-473	83	18	living	living	NOUN
ajssms-473	83	19	of	of	ADP
ajssms-473	83	20	the	the	DET
ajssms-473	83	21	people	people	NOUN
ajssms-473	83	22	was	be	AUX
ajssms-473	83	23	established	establish	VERB
ajssms-473	83	24	.	.	PUNCT
ajssms-473	84	1	people	people	NOUN
ajssms-473	84	2	were	be	AUX
ajssms-473	84	3	counted	count	VERB
ajssms-473	84	4	as	as	ADP
ajssms-473	84	5	poor	poor	ADJ
ajssms-473	84	6	when	when	SCONJ
ajssms-473	84	7	they	they	PRON
ajssms-473	84	8	fell	fall	VERB
ajssms-473	84	9	below	below	ADP
ajssms-473	84	10	such	such	DET
ajssms-473	84	11	a	a	DET
ajssms-473	84	12	minimum	minimum	ADJ
ajssms-473	84	13	acceptable	acceptable	ADJ
ajssms-473	84	14	threshold	threshold	NOUN
ajssms-473	84	15	(	(	PUNCT
ajssms-473	84	16	appleton	appleton	PROPN
ajssms-473	84	17	,	,	PUNCT
ajssms-473	84	18	2001	2001	NUM
ajssms-473	84	19	)	)	PUNCT
ajssms-473	84	20	.	.	PUNCT
ajssms-473	85	1	a	a	DET
ajssms-473	85	2	minimum	minimum	ADJ
ajssms-473	85	3	annual	annual	ADJ
ajssms-473	85	4	consumption	consumption	NOUN
ajssms-473	85	5	expenditure	expenditure	NOUN
ajssms-473	85	6	of	of	ADP
ajssms-473	85	7	63875	63875	NUM
ajssms-473	85	8	naira	naira	NOUN
ajssms-473	85	9	per	per	ADP
ajssms-473	85	10	adult	adult	NOUN
ajssms-473	85	11	/	/	SYM
ajssms-473	85	12	annum	annum	PROPN
ajssms-473	85	13	was	be	AUX
ajssms-473	85	14	adopted	adopt	VERB
ajssms-473	85	15	to	to	PART
ajssms-473	85	16	separate	separate	VERB
ajssms-473	85	17	the	the	DET
ajssms-473	85	18	poor	poor	ADJ
ajssms-473	85	19	from	from	ADP
ajssms-473	85	20	the	the	DET
ajssms-473	85	21	non	non	ADJ
ajssms-473	85	22	-	-	ADJ
ajssms-473	85	23	poor	poor	ADJ
ajssms-473	85	24	.	.	PUNCT
ajssms-473	86	1	those	those	PRON
ajssms-473	86	2	who	who	PRON
ajssms-473	86	3	fell	fall	VERB
ajssms-473	86	4	below	below	ADP
ajssms-473	86	5	this	this	DET
ajssms-473	86	6	expenditure	expenditure	NOUN
ajssms-473	86	7	threshold	threshold	NOUN
ajssms-473	86	8	were	be	AUX
ajssms-473	86	9	considered	consider	VERB
ajssms-473	86	10	poor	poor	ADJ
ajssms-473	86	11	.	.	PUNCT
ajssms-473	87	1	the	the	DET
ajssms-473	87	2	above	above	ADJ
ajssms-473	87	3	value	value	NOUN
ajssms-473	87	4	was	be	AUX
ajssms-473	87	5	obtained	obtain	VERB
ajssms-473	87	6	by	by	ADP
ajssms-473	87	7	multiplying	multiply	VERB
ajssms-473	87	8	the	the	DET
ajssms-473	87	9	average	average	ADJ
ajssms-473	87	10	exchange	exchange	NOUN
ajssms-473	87	11	rate	rate	NOUN
ajssms-473	87	12	in	in	ADP
ajssms-473	87	13	the	the	DET
ajssms-473	87	14	year	year	NOUN
ajssms-473	87	15	2014	2014	NUM
ajssms-473	87	16	by	by	ADP
ajssms-473	87	17	the	the	DET
ajssms-473	87	18	number	number	NOUN
ajssms-473	87	19	of	of	ADP
ajssms-473	87	20	days	day	NOUN
ajssms-473	87	21	in	in	ADP
ajssms-473	87	22	a	a	DET
ajssms-473	87	23	year	year	NOUN
ajssms-473	87	24	3.3	3.3	NUM
ajssms-473	87	25	.	.	PUNCT
ajssms-473	88	1	p	p	X
ajssms-473	88	2	-	-	PUNCT
ajssms-473	88	3	alpha	alpha	NOUN
ajssms-473	88	4	p	p	NOUN
ajssms-473	88	5	-	-	PUNCT
ajssms-473	88	6	alpha	alpha	NOUN
ajssms-473	88	7	was	be	AUX
ajssms-473	88	8	used	use	VERB
ajssms-473	88	9	to	to	PART
ajssms-473	88	10	determine	determine	VERB
ajssms-473	88	11	the	the	DET
ajssms-473	88	12	incidence	incidence	NOUN
ajssms-473	88	13	(	(	PUNCT
ajssms-473	88	14	po	po	NOUN
ajssms-473	88	15	)	)	PUNCT
ajssms-473	88	16	,	,	PUNCT
ajssms-473	88	17	the	the	DET
ajssms-473	88	18	depth	depth	NOUN
ajssms-473	88	19	(	(	PUNCT
ajssms-473	88	20	p1	p1	NOUN
ajssms-473	88	21	)	)	PUNCT
ajssms-473	88	22	and	and	CCONJ
ajssms-473	88	23	severity	severity	NOUN
ajssms-473	88	24	of	of	ADP
ajssms-473	88	25	poverty	poverty	NOUN
ajssms-473	88	26	(	(	PUNCT
ajssms-473	88	27	p2	p2	PROPN
ajssms-473	88	28	)	)	PUNCT
ajssms-473	88	29	in	in	ADP
ajssms-473	88	30	the	the	DET
ajssms-473	88	31	study	study	NOUN
ajssms-473	88	32	area	area	NOUN
ajssms-473	88	33	,	,	PUNCT
ajssms-473	88	34	(	(	PUNCT
ajssms-473	88	35	foster	foster	NOUN
ajssms-473	88	36	et	et	PROPN
ajssms-473	88	37	al	al	PROPN
ajssms-473	88	38	.	.	PROPN
ajssms-473	88	39	,	,	PUNCT
ajssms-473	88	40	1984).the	1984).the	PRON
ajssms-473	88	41	measure	measure	NOUN
ajssms-473	88	42	relates	relate	VERB
ajssms-473	88	43	to	to	ADP
ajssms-473	88	44	dimensions	dimension	NOUN
ajssms-473	88	45	of	of	ADP
ajssms-473	88	46	incidence	incidence	NOUN
ajssms-473	88	47	of	of	ADP
ajssms-473	88	48	poverty	poverty	NOUN
ajssms-473	88	49	;	;	PUNCT
ajssms-473	88	50	p0	p0	PROPN
ajssms-473	88	51	p1	p1	PROPN
ajssms-473	88	52	&	&	CCONJ
ajssms-473	88	53	p2	p2	PROPN
ajssms-473	88	54	defined	define	VERB
ajssms-473	88	55	as	as	ADP
ajssms-473	88	56	:	:	PUNCT
ajssms-473	88	57	p0=	p0=	NOUN
ajssms-473	88	58	head	head	NOUN
ajssms-473	88	59	count	count	NOUN
ajssms-473	88	60	/	/	SYM
ajssms-473	88	61	incidence	incidence	NOUN
ajssms-473	88	62	of	of	ADP
ajssms-473	88	63	poverty	poverty	NOUN
ajssms-473	88	64	:	:	PUNCT
ajssms-473	88	65	this	this	PRON
ajssms-473	88	66	count	count	VERB
ajssms-473	88	67	the	the	DET
ajssms-473	88	68	number	number	NOUN
ajssms-473	88	69	of	of	ADP
ajssms-473	88	70	people	people	NOUN
ajssms-473	88	71	with	with	ADP
ajssms-473	88	72	expenditure	expenditure	NOUN
ajssms-473	88	73	below	below	ADP
ajssms-473	88	74	the	the	DET
ajssms-473	88	75	poverty	poverty	NOUN
ajssms-473	88	76	line	line	NOUN
ajssms-473	88	77	.	.	PUNCT
ajssms-473	89	1	p1	p1	NOUN
ajssms-473	89	2	=	=	SYM
ajssms-473	89	3	depth	depth	NOUN
ajssms-473	89	4	of	of	ADP
ajssms-473	89	5	poverty	poverty	NOUN
ajssms-473	89	6	:	:	PUNCT
ajssms-473	89	7	this	this	PRON
ajssms-473	89	8	is	be	AUX
ajssms-473	89	9	the	the	DET
ajssms-473	89	10	percentage	percentage	NOUN
ajssms-473	89	11	of	of	ADP
ajssms-473	89	12	expenditure	expenditure	NOUN
ajssms-473	89	13	/	/	SYM
ajssms-473	89	14	income	income	NOUN
ajssms-473	89	15	required	require	VERB
ajssms-473	89	16	to	to	PART
ajssms-473	89	17	bring	bring	VERB
ajssms-473	89	18	each	each	DET
ajssms-473	89	19	individual	individual	NOUN
ajssms-473	89	20	below	below	ADP
ajssms-473	89	21	the	the	DET
ajssms-473	89	22	poverty	poverty	NOUN
ajssms-473	89	23	line	line	NOUN
ajssms-473	89	24	up	up	ADP
ajssms-473	89	25	to	to	ADP
ajssms-473	89	26	the	the	DET
ajssms-473	89	27	poverty	poverty	NOUN
ajssms-473	89	28	line	line	NOUN
ajssms-473	89	29	p2	p2	NOUN
ajssms-473	89	30	=	=	PUNCT
ajssms-473	89	31	severity	severity	NOUN
ajssms-473	89	32	of	of	ADP
ajssms-473	89	33	poverty	poverty	NOUN
ajssms-473	89	34	:	:	PUNCT
ajssms-473	89	35	this	this	PRON
ajssms-473	89	36	is	be	AUX
ajssms-473	89	37	indicated	indicate	VERB
ajssms-473	89	38	by	by	ADP
ajssms-473	89	39	giving	give	VERB
ajssms-473	89	40	longer	long	ADJ
ajssms-473	89	41	weight	weight	NOUN
ajssms-473	89	42	to	to	ADP
ajssms-473	89	43	the	the	DET
ajssms-473	89	44	extremely	extremely	ADV
ajssms-473	89	45	core	core	ADJ
ajssms-473	89	46	poor	poor	ADJ
ajssms-473	89	47	.	.	PUNCT
ajssms-473	90	1	it	it	PRON
ajssms-473	90	2	achieved	achieve	VERB
ajssms-473	90	3	by	by	ADP
ajssms-473	90	4	squaring	square	VERB
ajssms-473	90	5	the	the	DET
ajssms-473	90	6	gap	gap	NOUN
ajssms-473	90	7	between	between	ADP
ajssms-473	90	8	their	their	PRON
ajssms-473	90	9	expenditure/	expenditure/	NUM
ajssms-473	90	10	income	income	NOUN
ajssms-473	90	11	and	and	CCONJ
ajssms-473	90	12	poverty	poverty	NOUN
ajssms-473	90	13	increases	increase	VERB
ajssms-473	90	14	its	its	PRON
ajssms-473	90	15	weight	weight	NOUN
ajssms-473	90	16	in	in	ADP
ajssms-473	90	17	the	the	DET
ajssms-473	90	18	overall	overall	ADJ
ajssms-473	90	19	poverty	poverty	NOUN
ajssms-473	90	20	measure	measure	NOUN
ajssms-473	90	21	.	.	PUNCT
ajssms-473	91	1	mathematically	mathematically	ADV
ajssms-473	91	2	,	,	PUNCT
ajssms-473	91	3	p	p	X
ajssms-473	91	4	-	-	PUNCT
ajssms-473	91	5	alpha	alpha	NOUN
ajssms-473	91	6	can	can	AUX
ajssms-473	91	7	be	be	AUX
ajssms-473	91	8	expressed	express	VERB
ajssms-473	91	9	as	as	ADP
ajssms-473	91	10	:	:	PUNCT
ajssms-473	91	11	p	p	X
ajssms-473	91	12	-	-	PUNCT
ajssms-473	91	13	α	α	NOUN
ajssms-473	91	14	=	=	PUNCT
ajssms-473	92	1	q	q	X
ajssms-473	92	2	1∑	1∑	NUM
ajssms-473	92	3	(	(	PUNCT
ajssms-473	92	4	z	z	NOUN
ajssms-473	92	5	-	-	PUNCT
ajssms-473	92	6	yi	yi	ADJ
ajssms-473	92	7	/	/	SYM
ajssms-473	92	8	z	z	NOUN
ajssms-473	92	9	)	)	PUNCT
ajssms-473	93	1	α	α	PROPN
ajssms-473	93	2	foster	foster	PROPN
ajssms-473	93	3	et	et	PROPN
ajssms-473	93	4	al	al	PROPN
ajssms-473	93	5	.	.	PROPN
ajssms-473	93	6	(	(	PUNCT
ajssms-473	93	7	1984	1984	NUM
ajssms-473	93	8	)	)	PUNCT
ajssms-473	93	9	where	where	SCONJ
ajssms-473	93	10	n	n	NOUN
ajssms-473	93	11	=	=	SYM
ajssms-473	93	12	number	number	NOUN
ajssms-473	93	13	of	of	ADP
ajssms-473	93	14	people	people	NOUN
ajssms-473	93	15	under	under	ADP
ajssms-473	93	16	study	study	NOUN
ajssms-473	93	17	q	q	NOUN
ajssms-473	93	18	=	=	NOUN
ajssms-473	93	19	number	number	NOUN
ajssms-473	93	20	of	of	ADP
ajssms-473	93	21	ifis	ifis	PROPN
ajssms-473	93	22	operators	operator	NOUN
ajssms-473	93	23	that	that	PRON
ajssms-473	93	24	are	be	AUX
ajssms-473	93	25	poor	poor	ADJ
ajssms-473	93	26	in	in	ADP
ajssms-473	93	27	the	the	DET
ajssms-473	93	28	area	area	NOUN
ajssms-473	93	29	z	z	NOUN
ajssms-473	94	1	=	=	NOUN
ajssms-473	95	1	poverty	poverty	NOUN
ajssms-473	95	2	line	line	NOUN
ajssms-473	95	3	yi	yi	NOUN
ajssms-473	95	4	=	=	NOUN
ajssms-473	95	5	consumption	consumption	NOUN
ajssms-473	95	6	-	-	PUNCT
ajssms-473	95	7	expenditure	expenditure	NOUN
ajssms-473	95	8	of	of	ADP
ajssms-473	95	9	individual	individual	ADJ
ajssms-473	95	10	households	household	NOUN
ajssms-473	95	11	α	α	X
ajssms-473	95	12	=	=	SYM
ajssms-473	95	13	foster	foster	NOUN
ajssms-473	95	14	-	-	PUNCT
ajssms-473	95	15	greer	greer	NOUN
ajssms-473	95	16	–	–	PUNCT
ajssms-473	95	17	thorbocke	thorbocke	NOUN
ajssms-473	95	18	(	(	PUNCT
ajssms-473	95	19	fgt	fgt	NOUN
ajssms-473	95	20	)	)	PUNCT
ajssms-473	95	21	–	–	PUNCT
ajssms-473	95	22	poverty	poverty	NOUN
ajssms-473	95	23	aversion	aversion	NOUN
ajssms-473	95	24	parameter	parameter	NOUN
ajssms-473	95	25	index	index	NOUN
ajssms-473	95	26	which	which	PRON
ajssms-473	95	27	makes	make	VERB
ajssms-473	95	28	on	on	ADP
ajssms-473	95	29	the	the	DET
ajssms-473	95	30	values	value	NOUN
ajssms-473	95	31	of	of	ADP
ajssms-473	95	32	0	0	NUM
ajssms-473	95	33	,	,	PUNCT
ajssms-473	95	34	1	1	NUM
ajssms-473	95	35	and	and	CCONJ
ajssms-473	95	36	2	2	NUM
ajssms-473	95	37	representing	represent	VERB
ajssms-473	95	38	incidence	incidence	NOUN
ajssms-473	95	39	of	of	ADP
ajssms-473	95	40	poverty	poverty	NOUN
ajssms-473	95	41	,	,	PUNCT
ajssms-473	95	42	poverty	poverty	NOUN
ajssms-473	95	43	gap	gap	NOUN
ajssms-473	95	44	and	and	CCONJ
ajssms-473	95	45	severity	severity	NOUN
ajssms-473	95	46	of	of	ADP
ajssms-473	95	47	poverty	poverty	NOUN
ajssms-473	95	48	respectively	respectively	ADV
ajssms-473	95	49	.	.	PUNCT
ajssms-473	96	1			PROPN
ajssms-473	96	2			PROPN
ajssms-473	96	3			PRON
ajssms-473	96	4			NOUN
ajssms-473	96	5			VERB
ajssms-473	96	6			PROPN
ajssms-473	96	7			PROPN
ajssms-473	96	8	z	z	PROPN
ajssms-473	96	9	yiz	yiz	PROPN
ajssms-473	97	1	=	=	PUNCT
ajssms-473	97	2	the	the	DET
ajssms-473	97	3	proportionate	proportionate	ADJ
ajssms-473	97	4	short	short	ADJ
ajssms-473	97	5	fall	fall	NOUN
ajssms-473	97	6	of	of	ADP
ajssms-473	97	7	expenditure	expenditure	NOUN
ajssms-473	97	8	/	/	SYM
ajssms-473	97	9	income	income	NOUN
ajssms-473	97	10	below	below	ADP
ajssms-473	97	11	the	the	DET
ajssms-473	97	12	poverty	poverty	NOUN
ajssms-473	97	13	line	line	NOUN
ajssms-473	97	14	.	.	PUNCT
ajssms-473	98	1	the	the	DET
ajssms-473	98	2	quantity	quantity	NOUN
ajssms-473	98	3	is	be	AUX
ajssms-473	98	4	raised	raise	VERB
ajssms-473	98	5	to	to	ADP
ajssms-473	98	6	a	a	DET
ajssms-473	98	7	power	power	NOUN
ajssms-473	98	8	of	of	ADP
ajssms-473	98	9	α	α	NOUN
ajssms-473	98	10	.	.	PUNCT
ajssms-473	99	1	if	if	SCONJ
ajssms-473	99	2	α	α	PRON
ajssms-473	99	3	=	=	SYM
ajssms-473	99	4	0	0	PROPN
ajssms-473	99	5	,	,	PUNCT
ajssms-473	99	6	the	the	DET
ajssms-473	99	7	fgt	fgt	PROPN
ajssms-473	99	8	becomes	become	VERB
ajssms-473	99	9	po=	po=	PROPN
ajssms-473	99	10	1/	1/	NUM
ajssms-473	99	11	n	n	NOUN
ajssms-473	99	12	q	q	NOUN
ajssms-473	99	13	=	=	X
ajssms-473	99	14	which	which	PRON
ajssms-473	99	15	is	be	AUX
ajssms-473	99	16	the	the	DET
ajssms-473	99	17	proportion	proportion	NOUN
ajssms-473	99	18	of	of	ADP
ajssms-473	99	19	the	the	DET
ajssms-473	99	20	population	population	NOUN
ajssms-473	99	21	,	,	PUNCT
ajssms-473	99	22	that	that	PRON
ajssms-473	99	23	falls	fall	VERB
ajssms-473	99	24	below	below	ADP
ajssms-473	99	25	the	the	DET
ajssms-473	99	26	poverty	poverty	NOUN
ajssms-473	99	27	line	line	NOUN
ajssms-473	99	28	.	.	PUNCT
ajssms-473	100	1	this	this	PRON
ajssms-473	100	2	is	be	AUX
ajssms-473	100	3	called	call	VERB
ajssms-473	100	4	the	the	DET
ajssms-473	100	5	head	head	NOUN
ajssms-473	100	6	count	count	NOUN
ajssms-473	100	7	or	or	CCONJ
ajssms-473	100	8	incidence	incidence	NOUN
ajssms-473	100	9	of	of	ADP
ajssms-473	100	10	poverty	poverty	NOUN
ajssms-473	100	11	.	.	PUNCT
ajssms-473	101	1	if	if	SCONJ
ajssms-473	101	2	α	α	PRON
ajssms-473	101	3	=	=	SYM
ajssms-473	101	4	1	1	NUM
ajssms-473	101	5	fgt	fgt	PROPN
ajssms-473	101	6	becomes	become	VERB
ajssms-473	101	7	p1	p1	NOUN
ajssms-473	101	8	=	=	SYM
ajssms-473	101	9	1	1	NUM
ajssms-473	101	10	/	/	SYM
ajssms-473	101	11	n	n	NOUN
ajssms-473	101	12	∑i=1	∑i=1	PROPN
ajssms-473	101	13	α	α	NOUN
ajssms-473	101	14			PROPN
ajssms-473	101	15			PROPN
ajssms-473	101	16			X
ajssms-473	101	17			NOUN
ajssms-473	101	18			VERB
ajssms-473	101	19			PROPN
ajssms-473	101	20			PROPN
ajssms-473	101	21	z	z	PROPN
ajssms-473	101	22	yz	yz	PROPN
ajssms-473	102	1	if	if	SCONJ
ajssms-473	102	2	α	α	PRON
ajssms-473	102	3	=	=	SYM
ajssms-473	102	4	2fgt	2fgt	NUM
ajssms-473	102	5	becomes	become	VERB
ajssms-473	102	6	p2	p2	NOUN
ajssms-473	102	7	=	=	SYM
ajssms-473	102	8	1	1	NUM
ajssms-473	102	9	/	/	SYM
ajssms-473	102	10	n	n	NOUN
ajssms-473	102	11	∑i=1	∑i=1	NOUN
ajssms-473	102	12	α	α	NOUN
ajssms-473	102	13	2	2	NUM
ajssms-473	102	14			PROPN
ajssms-473	102	15			PROPN
ajssms-473	102	16			PRON
ajssms-473	102	17			NOUN
ajssms-473	102	18			VERB
ajssms-473	102	19			PROPN
ajssms-473	102	20			PROPN
ajssms-473	102	21	z	z	PROPN
ajssms-473	102	22	yz	yz	PROPN
ajssms-473	102	23	asian	asian	ADJ
ajssms-473	102	24	journal	journal	NOUN
ajssms-473	102	25	of	of	ADP
ajssms-473	102	26	social	social	ADJ
ajssms-473	102	27	sciences	sciences	PROPN
ajssms-473	102	28	and	and	CCONJ
ajssms-473	102	29	management	management	NOUN
ajssms-473	102	30	studies	study	NOUN
ajssms-473	102	31	,	,	PUNCT
ajssms-473	102	32	2016	2016	NUM
ajssms-473	102	33	,	,	PUNCT
ajssms-473	102	34	3(1	3(1	NUM
ajssms-473	102	35	):	):	PUNCT
ajssms-473	102	36	82	82	NUM
ajssms-473	102	37	-	-	SYM
ajssms-473	102	38	90	90	NUM
ajssms-473	102	39	85	85	NUM
ajssms-473	102	40	3.4	3.4	NUM
ajssms-473	102	41	.	.	PUNCT
ajssms-473	102	42	model	model	NOUN
ajssms-473	102	43	specification	specification	NOUN
ajssms-473	102	44	a	a	DET
ajssms-473	102	45	logit	logit	PROPN
ajssms-473	102	46	regression	regression	NOUN
ajssms-473	102	47	model	model	NOUN
ajssms-473	102	48	was	be	AUX
ajssms-473	102	49	used	use	VERB
ajssms-473	102	50	.	.	PUNCT
ajssms-473	103	1	the	the	DET
ajssms-473	103	2	model	model	NOUN
ajssms-473	103	3	uses	use	VERB
ajssms-473	103	4	socio	socio	NOUN
ajssms-473	103	5	-	-	PUNCT
ajssms-473	103	6	economic	economic	ADJ
ajssms-473	103	7	variables	variable	NOUN
ajssms-473	103	8	of	of	ADP
ajssms-473	103	9	the	the	DET
ajssms-473	103	10	respondents	respondent	NOUN
ajssms-473	103	11	to	to	PART
ajssms-473	103	12	determine	determine	VERB
ajssms-473	103	13	the	the	DET
ajssms-473	103	14	factors	factor	NOUN
ajssms-473	103	15	influencing	influence	VERB
ajssms-473	103	16	poverty	poverty	NOUN
ajssms-473	103	17	.	.	PUNCT
ajssms-473	104	1	ramakrishma	ramakrishma	NOUN
ajssms-473	104	2	and	and	CCONJ
ajssms-473	104	3	demeke	demeke	ADJ
ajssms-473	104	4	(	(	PUNCT
ajssms-473	104	5	2002	2002	NUM
ajssms-473	104	6	)	)	PUNCT
ajssms-473	104	7	implicitly	implicitly	ADV
ajssms-473	104	8	expressed	express	VERB
ajssms-473	104	9	the	the	DET
ajssms-473	104	10	model	model	NOUN
ajssms-473	104	11	as	as	ADP
ajssms-473	104	12	:	:	PUNCT
ajssms-473	104	13	where	where	SCONJ
ajssms-473	104	14	:	:	PUNCT
ajssms-473	104	15	p	p	X
ajssms-473	104	16	і	і	PROPN
ajssms-473	104	17	=	=	PUNCT
ajssms-473	104	18	probability	probability	NOUN
ajssms-473	104	19	that	that	SCONJ
ajssms-473	104	20	poverty	poverty	NOUN
ajssms-473	104	21	occurs	occur	VERB
ajssms-473	104	22	βo	βo	NOUN
ajssms-473	104	23	=	=	SYM
ajssms-473	104	24	constant	constant	ADJ
ajssms-473	104	25	term	term	NOUN
ajssms-473	104	26	βk	βk	ADP
ajssms-473	104	27	=	=	NOUN
ajssms-473	104	28	coefficient	coefficient	NOUN
ajssms-473	104	29	to	to	PART
ajssms-473	104	30	be	be	AUX
ajssms-473	104	31	estimated	estimate	VERB
ajssms-473	104	32	xk	xk	X
ajssms-473	104	33	=	=	PUNCT
ajssms-473	104	34	independent	independent	ADJ
ajssms-473	104	35	variables	variable	NOUN
ajssms-473	104	36	that	that	PRON
ajssms-473	104	37	ranges	range	VERB
ajssms-473	104	38	from	from	ADP
ajssms-473	104	39	1	1	NUM
ajssms-473	104	40	-	-	SYM
ajssms-473	104	41	7	7	NUM
ajssms-473	104	42	і	і	NOUN
ajssms-473	104	43	=	=	PUNCT
ajssms-473	104	44	with	with	ADP
ajssms-473	104	45	observation	observation	NOUN
ajssms-473	104	46	as	as	SCONJ
ajssms-473	104	47	zі	zі	PROPN
ajssms-473	104	48	ranges	range	NOUN
ajssms-473	104	49	from	from	ADP
ajssms-473	104	50	–	–	PUNCT
ajssms-473	104	51	α	α	NUM
ajssms-473	104	52	,	,	PUNCT
ajssms-473	104	53	+	+	CCONJ
ajssms-473	104	54	α	α	X
ajssms-473	104	55	,	,	PUNCT
ajssms-473	104	56	pі	pі	ADP
ajssms-473	104	57	ranges	range	NOUN
ajssms-473	104	58	from	from	ADP
ajssms-473	104	59	0	0	NUM
ajssms-473	104	60	to	to	ADP
ajssms-473	104	61	1	1	NUM
ajssms-473	104	62	and	and	CCONJ
ajssms-473	104	63	pi	pi	NOUN
ajssms-473	104	64	is	be	AUX
ajssms-473	104	65	nonlinearly	nonlinearly	ADV
ajssms-473	104	66	related	relate	VERB
ajssms-473	104	67	to	to	ADP
ajssms-473	104	68	zі	zі	PROPN
ajssms-473	104	69	.	.	PUNCT
ajssms-473	105	1	the	the	DET
ajssms-473	105	2	logit	logit	PROPN
ajssms-473	105	3	of	of	ADP
ajssms-473	105	4	the	the	DET
ajssms-473	105	5	unknown	unknown	ADJ
ajssms-473	105	6	bionomial	bionomial	ADJ
ajssms-473	105	7	probabilities	probability	NOUN
ajssms-473	105	8	i.e	i.e	ADP
ajssms-473	105	9	the	the	DET
ajssms-473	105	10	lorithms	lorithm	NOUN
ajssms-473	105	11	of	of	ADP
ajssms-473	105	12	the	the	DET
ajssms-473	105	13	odds	odd	NOUN
ajssms-473	105	14	,	,	PUNCT
ajssms-473	105	15	are	be	AUX
ajssms-473	105	16	modeled	model	VERB
ajssms-473	105	17	as	as	ADP
ajssms-473	105	18	a	a	DET
ajssms-473	105	19	linear	linear	ADJ
ajssms-473	105	20	functions	function	NOUN
ajssms-473	105	21	of	of	ADP
ajssms-473	105	22	the	the	DET
ajssms-473	105	23	xі	xі	PROPN
ajssms-473	105	24	.	.	PUNCT
ajssms-473	106	1	the	the	DET
ajssms-473	106	2	model	model	NOUN
ajssms-473	106	3	is	be	AUX
ajssms-473	106	4	therefore	therefore	ADV
ajssms-473	106	5	estimated	estimate	VERB
ajssms-473	106	6	as	as	ADP
ajssms-473	106	7	:	:	PUNCT
ajssms-473	106	8	logit	logit	PROPN
ajssms-473	106	9	(	(	PUNCT
ajssms-473	106	10	pi	pi	NOUN
ajssms-473	106	11	)	)	PUNCT
ajssms-473	106	12	=	=	PUNCT
ajssms-473	107	1	ln	ln	ADJ
ajssms-473	107	2			PROPN
ajssms-473	107	3			PROPN
ajssms-473	107	4			X
ajssms-473	107	5			NOUN
ajssms-473	107	6			VERB
ajssms-473	107	7			PROPN
ajssms-473	107	8			NOUN
ajssms-473	107	9	11	11	NUM
ajssms-473	107	10	1	1	NUM
ajssms-473	107	11	p	p	DET
ajssms-473	107	12	p	p	NOUN
ajssms-473	107	13	=	=	PROPN
ajssms-473	107	14	β0	β0	PROPN
ajssms-473	108	1	+	+	CCONJ
ajssms-473	108	2	β1+xi1bkxik+	β1+xi1bkxik+	ADV
ajssms-473	108	3	µi	µi	ADP
ajssms-473	108	4	the	the	DET
ajssms-473	108	5	unknown	unknown	ADJ
ajssms-473	108	6	parameters	parameter	NOUN
ajssms-473	108	7	β1	β1	PROPN
ajssms-473	108	8	are	be	AUX
ajssms-473	108	9	usually	usually	ADV
ajssms-473	108	10	estimated	estimate	VERB
ajssms-473	108	11	by	by	ADP
ajssms-473	108	12	maximum	maximum	ADJ
ajssms-473	108	13	likelihood	likelihood	NOUN
ajssms-473	108	14	.	.	PUNCT
ajssms-473	109	1	thus	thus	ADV
ajssms-473	109	2	,	,	PUNCT
ajssms-473	109	3	the	the	DET
ajssms-473	109	4	model	model	NOUN
ajssms-473	109	5	is	be	AUX
ajssms-473	109	6	explicitly	explicitly	ADV
ajssms-473	109	7	expressed	express	VERB
ajssms-473	109	8	as	as	ADP
ajssms-473	109	9	:	:	PUNCT
ajssms-473	109	10	z1	z1	PROPN
ajssms-473	109	11	=	=	SYM
ajssms-473	109	12	βo+	βo+	PROPN
ajssms-473	109	13	β1x1	β1x1	PUNCT
ajssms-473	109	14	+	+	X
ajssms-473	109	15	β	β	X
ajssms-473	109	16	2x2	2x2	NUM
ajssms-473	109	17	+	+	CCONJ
ajssms-473	109	18	β3	β3	VERB
ajssms-473	109	19	x3	x3	ADJ
ajssms-473	109	20	+	+	NOUN
ajssms-473	109	21	β4x4	β4x4	SYM
ajssms-473	109	22	+	+	CCONJ
ajssms-473	109	23	β5	β5	ADJ
ajssms-473	109	24	x5	x5	NOUN
ajssms-473	109	25	+	+	CCONJ
ajssms-473	109	26	β6	β6	PROPN
ajssms-473	109	27	x6	x6	PROPN
ajssms-473	109	28	+	+	CCONJ
ajssms-473	109	29	β7x7+µ	β7x7+µ	X
ajssms-473	109	30	where	where	SCONJ
ajssms-473	109	31	:	:	PUNCT
ajssms-473	109	32	z1	z1	ADJ
ajssms-473	109	33	=	=	SYM
ajssms-473	109	34	poverty	poverty	NOUN
ajssms-473	109	35	status	status	NOUN
ajssms-473	109	36	of	of	ADP
ajssms-473	109	37	households	household	NOUN
ajssms-473	109	38	βo	βo	NOUN
ajssms-473	109	39	=	=	PUNCT
ajssms-473	109	40	constant	constant	ADJ
ajssms-473	109	41	term	term	NOUN
ajssms-473	109	42	β1	β1	PROPN
ajssms-473	109	43	=	=	PUNCT
ajssms-473	109	44	(	(	PUNCT
ajssms-473	109	45	1	1	NUM
ajssms-473	109	46	-	-	SYM
ajssms-473	109	47	7	7	NUM
ajssms-473	109	48	)	)	PUNCT
ajssms-473	109	49	,	,	PUNCT
ajssms-473	109	50	vector	vector	NOUN
ajssms-473	109	51	of	of	ADP
ajssms-473	109	52	parameters	parameter	NOUN
ajssms-473	109	53	to	to	PART
ajssms-473	109	54	be	be	AUX
ajssms-473	109	55	estimated	estimate	VERB
ajssms-473	109	56	.	.	PUNCT
ajssms-473	110	1	xi	xi	NOUN
ajssms-473	111	1	=	=	NOUN
ajssms-473	111	2	sex	sex	NOUN
ajssms-473	111	3	of	of	ADP
ajssms-473	111	4	the	the	DET
ajssms-473	111	5	respondents	respondent	NOUN
ajssms-473	111	6	(	(	PUNCT
ajssms-473	111	7	male	male	NOUN
ajssms-473	111	8	=	=	NOUN
ajssms-473	111	9	l	l	NOUN
ajssms-473	111	10	and	and	CCONJ
ajssms-473	111	11	female	female	ADJ
ajssms-473	111	12	=	=	NOUN
ajssms-473	111	13	0	0	NUM
ajssms-473	111	14	)	)	PUNCT
ajssms-473	111	15	x2	x2	NOUN
ajssms-473	112	1	=	=	PUNCT
ajssms-473	112	2	age	age	NOUN
ajssms-473	112	3	of	of	ADP
ajssms-473	112	4	households	household	NOUN
ajssms-473	113	1	x3	x3	ADJ
ajssms-473	113	2	=	=	PUNCT
ajssms-473	113	3	household	household	NOUN
ajssms-473	113	4	size	size	NOUN
ajssms-473	113	5	x4	x4	PROPN
ajssms-473	113	6	=	=	SYM
ajssms-473	113	7	educational	educational	ADJ
ajssms-473	113	8	status	status	NOUN
ajssms-473	113	9	of	of	ADP
ajssms-473	113	10	the	the	DET
ajssms-473	113	11	respondents	respondent	NOUN
ajssms-473	113	12	x5	x5	NOUN
ajssms-473	114	1	=	=	PUNCT
ajssms-473	115	1	child	child	NOUN
ajssms-473	115	2	dependency	dependency	NOUN
ajssms-473	115	3	ration	ration	NOUN
ajssms-473	115	4	(	(	PUNCT
ajssms-473	115	5	ratio	ratio	NOUN
ajssms-473	115	6	of	of	ADP
ajssms-473	115	7	0	0	NUM
ajssms-473	115	8	-	-	SYM
ajssms-473	115	9	14	14	NUM
ajssms-473	115	10	years	year	NOUN
ajssms-473	115	11	to	to	ADP
ajssms-473	115	12	household	household	NOUN
ajssms-473	115	13	size	size	NOUN
ajssms-473	115	14	)	)	PUNCT
ajssms-473	115	15	x6	x6	NOUN
ajssms-473	115	16	=	=	SYM
ajssms-473	115	17	average	average	ADJ
ajssms-473	115	18	monthly	monthly	ADJ
ajssms-473	115	19	savings	saving	NOUN
ajssms-473	115	20	(	(	PUNCT
ajssms-473	115	21	n	n	CCONJ
ajssms-473	115	22	)	)	PUNCT
ajssms-473	115	23	of	of	ADP
ajssms-473	115	24	the	the	DET
ajssms-473	115	25	respondents	respondent	NOUN
ajssms-473	115	26	x7	x7	NOUN
ajssms-473	115	27	=	=	SYM
ajssms-473	115	28	marital	marital	ADJ
ajssms-473	115	29	status	status	NOUN
ajssms-473	115	30	of	of	ADP
ajssms-473	115	31	the	the	DET
ajssms-473	115	32	respondents	respondent	NOUN
ajssms-473	115	33	(	(	PUNCT
ajssms-473	115	34	married=	married=	NUM
ajssms-473	115	35	1	1	NUM
ajssms-473	115	36	single	single	ADJ
ajssms-473	115	37	=	=	SYM
ajssms-473	115	38	0	0	X
ajssms-473	115	39	)	)	PUNCT
ajssms-473	115	40	note	note	NOUN
ajssms-473	115	41	:	:	PUNCT
ajssms-473	115	42	divorce	divorce	NOUN
ajssms-473	115	43	,	,	PUNCT
ajssms-473	115	44	windows	window	NOUN
ajssms-473	115	45	and	and	CCONJ
ajssms-473	115	46	widowers	widower	NOUN
ajssms-473	115	47	are	be	AUX
ajssms-473	115	48	also	also	ADV
ajssms-473	115	49	included	include	VERB
ajssms-473	115	50	)	)	PUNCT
ajssms-473	115	51	.	.	PUNCT
ajssms-473	116	1	3.5	3.5	NUM
ajssms-473	116	2	.	.	PUNCT
ajssms-473	117	1	a	a	DET
ajssms-473	117	2	priori	priori	ADJ
ajssms-473	117	3	expectation	expectation	NOUN
ajssms-473	117	4	this	this	PRON
ajssms-473	117	5	refers	refer	VERB
ajssms-473	117	6	to	to	ADP
ajssms-473	117	7	the	the	DET
ajssms-473	117	8	expected	expect	VERB
ajssms-473	117	9	behavior	behavior	NOUN
ajssms-473	117	10	of	of	ADP
ajssms-473	117	11	the	the	DET
ajssms-473	117	12	independent	independent	ADJ
ajssms-473	117	13	variables	variable	NOUN
ajssms-473	117	14	on	on	ADP
ajssms-473	117	15	the	the	DET
ajssms-473	117	16	dependent	dependent	ADJ
ajssms-473	117	17	variables	variable	NOUN
ajssms-473	117	18	based	base	VERB
ajssms-473	117	19	on	on	ADP
ajssms-473	117	20	economic	economic	ADJ
ajssms-473	117	21	theories	theory	NOUN
ajssms-473	117	22	.	.	PUNCT
ajssms-473	118	1	thus	thus	ADV
ajssms-473	118	2	,	,	PUNCT
ajssms-473	118	3	we	we	PRON
ajssms-473	118	4	have	have	VERB
ajssms-473	118	5	x1>0	x1>0	NOUN
ajssms-473	118	6	or	or	CCONJ
ajssms-473	118	7	x1<0;x2>0	x1<0;x2>0	PROPN
ajssms-473	118	8	or	or	CCONJ
ajssms-473	118	9	x2	x2	PROPN
ajssms-473	118	10	<	<	X
ajssms-473	118	11	o	o	NOUN
ajssms-473	118	12	;	;	PUNCT
ajssms-473	118	13	x3<0	x3<0	PROPN
ajssms-473	118	14	,	,	PUNCT
ajssms-473	118	15	x4>0	x4>0	PROPN
ajssms-473	118	16	;	;	PUNCT
ajssms-473	118	17	x5<0	x5<0	PROPN
ajssms-473	118	18	;	;	PUNCT
ajssms-473	118	19	x6>0	x6>0	NUM
ajssms-473	118	20	;	;	PUNCT
ajssms-473	118	21	x7>0	x7>0	NOUN
ajssms-473	118	22	or	or	CCONJ
ajssms-473	118	23	x7<0	x7<0	PROPN
ajssms-473	118	24	.	.	PUNCT
ajssms-473	119	1	this	this	PRON
ajssms-473	119	2	means	mean	VERB
ajssms-473	119	3	that	that	SCONJ
ajssms-473	119	4	the	the	DET
ajssms-473	119	5	independent	independent	ADJ
ajssms-473	119	6	variables	variable	NOUN
ajssms-473	119	7	such	such	ADJ
ajssms-473	119	8	as	as	ADP
ajssms-473	119	9	educational	educational	ADJ
ajssms-473	119	10	status	status	NOUN
ajssms-473	119	11	(	(	PUNCT
ajssms-473	119	12	x4	x4	PROPN
ajssms-473	119	13	)	)	PUNCT
ajssms-473	119	14	and	and	CCONJ
ajssms-473	119	15	average	average	ADJ
ajssms-473	119	16	monthly	monthly	ADJ
ajssms-473	119	17	savings	saving	NOUN
ajssms-473	119	18	of	of	ADP
ajssms-473	119	19	the	the	DET
ajssms-473	119	20	respondents	respondent	NOUN
ajssms-473	119	21	(	(	PUNCT
ajssms-473	119	22	x6	x6	PROPN
ajssms-473	119	23	)	)	PUNCT
ajssms-473	119	24	were	be	AUX
ajssms-473	119	25	expected	expect	VERB
ajssms-473	119	26	to	to	PART
ajssms-473	119	27	be	be	AUX
ajssms-473	119	28	positively	positively	ADV
ajssms-473	119	29	significant	significant	ADJ
ajssms-473	119	30	to	to	ADP
ajssms-473	119	31	the	the	DET
ajssms-473	119	32	dependent	dependent	ADJ
ajssms-473	119	33	variable	variable	NOUN
ajssms-473	119	34	(	(	PUNCT
ajssms-473	119	35	z1	z1	ADJ
ajssms-473	119	36	=	=	NOUN
ajssms-473	119	37	poverty	poverty	NOUN
ajssms-473	119	38	status	status	NOUN
ajssms-473	119	39	of	of	ADP
ajssms-473	119	40	households	household	NOUN
ajssms-473	119	41	)	)	PUNCT
ajssms-473	119	42	while	while	SCONJ
ajssms-473	119	43	household	household	NOUN
ajssms-473	119	44	size	size	NOUN
ajssms-473	119	45	(	(	PUNCT
ajssms-473	119	46	x3	x3	ADJ
ajssms-473	119	47	)	)	PUNCT
ajssms-473	119	48	and	and	CCONJ
ajssms-473	119	49	child	child	NOUN
ajssms-473	119	50	dependency	dependency	NOUN
ajssms-473	119	51	ratio	ratio	NOUN
ajssms-473	119	52	(	(	PUNCT
ajssms-473	119	53	x5	x5	PROPN
ajssms-473	119	54	)	)	PUNCT
ajssms-473	119	55	were	be	AUX
ajssms-473	119	56	expected	expect	VERB
ajssms-473	119	57	to	to	PART
ajssms-473	119	58	have	have	VERB
ajssms-473	119	59	negative	negative	ADJ
ajssms-473	119	60	impact	impact	NOUN
ajssms-473	119	61	on	on	ADP
ajssms-473	119	62	the	the	DET
ajssms-473	119	63	poverty	poverty	NOUN
ajssms-473	119	64	status	status	NOUN
ajssms-473	119	65	of	of	ADP
ajssms-473	119	66	households	household	NOUN
ajssms-473	119	67	.	.	PUNCT
ajssms-473	120	1	it	it	PRON
ajssms-473	120	2	was	be	AUX
ajssms-473	120	3	also	also	ADV
ajssms-473	120	4	expected	expect	VERB
ajssms-473	120	5	that	that	SCONJ
ajssms-473	120	6	the	the	DET
ajssms-473	120	7	impact	impact	NOUN
ajssms-473	120	8	of	of	ADP
ajssms-473	120	9	sex	sex	NOUN
ajssms-473	120	10	(	(	PUNCT
ajssms-473	120	11	x1	x1	PROPN
ajssms-473	120	12	)	)	PUNCT
ajssms-473	120	13	,	,	PUNCT
ajssms-473	120	14	marital	marital	ADJ
ajssms-473	120	15	status	status	NOUN
ajssms-473	120	16	(	(	PUNCT
ajssms-473	120	17	x7	x7	NOUN
ajssms-473	120	18	)	)	PUNCT
ajssms-473	120	19	and	and	CCONJ
ajssms-473	120	20	age	age	NOUN
ajssms-473	120	21	of	of	ADP
ajssms-473	120	22	the	the	DET
ajssms-473	120	23	respondents	respondent	NOUN
ajssms-473	120	24	(	(	PUNCT
ajssms-473	120	25	x2	x2	X
ajssms-473	120	26	)	)	PUNCT
ajssms-473	120	27	poverty	poverty	NOUN
ajssms-473	120	28	status	status	NOUN
ajssms-473	120	29	of	of	ADP
ajssms-473	120	30	households	household	NOUN
ajssms-473	120	31	could	could	AUX
ajssms-473	120	32	be	be	AUX
ajssms-473	120	33	negative	negative	ADJ
ajssms-473	120	34	or	or	CCONJ
ajssms-473	120	35	positive	positive	ADJ
ajssms-473	120	36	.	.	PUNCT
ajssms-473	121	1	4	4	X
ajssms-473	121	2	.	.	X
ajssms-473	121	3	data	datum	NOUN
ajssms-473	121	4	analysis	analysis	NOUN
ajssms-473	121	5	,	,	PUNCT
ajssms-473	121	6	result	result	NOUN
ajssms-473	121	7	and	and	CCONJ
ajssms-473	121	8	discussion	discussion	NOUN
ajssms-473	121	9	1.1	1.1	NUM
ajssms-473	121	10	.	.	PUNCT
ajssms-473	122	1	sex	sex	NOUN
ajssms-473	122	2	:	:	PUNCT
ajssms-473	122	3	the	the	DET
ajssms-473	122	4	analysis	analysis	NOUN
ajssms-473	122	5	of	of	ADP
ajssms-473	122	6	the	the	DET
ajssms-473	122	7	study	study	NOUN
ajssms-473	122	8	revealed	reveal	VERB
ajssms-473	122	9	that	that	SCONJ
ajssms-473	122	10	66.67	66.67	NUM
ajssms-473	122	11	%	%	NOUN
ajssms-473	122	12	of	of	ADP
ajssms-473	122	13	beneficiaries	beneficiary	NOUN
ajssms-473	122	14	of	of	ADP
ajssms-473	122	15	informal	informal	ADJ
ajssms-473	122	16	financial	financial	ADJ
ajssms-473	122	17	institutions	institution	NOUN
ajssms-473	122	18	are	be	AUX
ajssms-473	122	19	male	male	ADJ
ajssms-473	122	20	while	while	SCONJ
ajssms-473	122	21	33.33	33.33	NUM
ajssms-473	122	22	%	%	NOUN
ajssms-473	122	23	of	of	ADP
ajssms-473	122	24	the	the	DET
ajssms-473	122	25	beneficiaries	beneficiary	NOUN
ajssms-473	122	26	constitute	constitute	VERB
ajssms-473	122	27	the	the	DET
ajssms-473	122	28	female	female	ADJ
ajssms-473	122	29	population	population	NOUN
ajssms-473	122	30	.	.	PUNCT
ajssms-473	123	1	for	for	ADP
ajssms-473	123	2	the	the	DET
ajssms-473	123	3	non	non	NOUN
ajssms-473	123	4	-	-	NOUN
ajssms-473	123	5	beneficiaries	beneficiary	NOUN
ajssms-473	123	6	of	of	ADP
ajssms-473	123	7	ifis	ifis	NOUN
ajssms-473	123	8	the	the	DET
ajssms-473	123	9	result	result	NOUN
ajssms-473	123	10	showed	show	VERB
ajssms-473	123	11	that	that	SCONJ
ajssms-473	123	12	56.19	56.19	NUM
ajssms-473	123	13	%	%	NOUN
ajssms-473	123	14	of	of	ADP
ajssms-473	123	15	the	the	DET
ajssms-473	123	16	respondents	respondent	NOUN
ajssms-473	123	17	were	be	AUX
ajssms-473	123	18	female	female	ADJ
ajssms-473	123	19	while	while	SCONJ
ajssms-473	123	20	43.81	43.81	NUM
ajssms-473	123	21	%	%	NOUN
ajssms-473	123	22	respondents	respondent	NOUN
ajssms-473	123	23	.	.	PUNCT
ajssms-473	124	1	the	the	DET
ajssms-473	124	2	low	low	ADJ
ajssms-473	124	3	membership	membership	NOUN
ajssms-473	124	4	of	of	ADP
ajssms-473	124	5	the	the	DET
ajssms-473	124	6	female	female	ADJ
ajssms-473	124	7	gender	gender	NOUN
ajssms-473	124	8	in	in	ADP
ajssms-473	124	9	ifis	ifis	NOUN
ajssms-473	124	10	in	in	ADP
ajssms-473	124	11	the	the	DET
ajssms-473	124	12	study	study	NOUN
ajssms-473	124	13	area	area	NOUN
ajssms-473	124	14	could	could	AUX
ajssms-473	124	15	be	be	AUX
ajssms-473	124	16	attributed	attribute	VERB
ajssms-473	124	17	to	to	ADP
ajssms-473	124	18	the	the	DET
ajssms-473	124	19	fact	fact	NOUN
ajssms-473	124	20	that	that	SCONJ
ajssms-473	124	21	household	household	NOUN
ajssms-473	124	22	income	income	NOUN
ajssms-473	124	23	in	in	ADP
ajssms-473	124	24	many	many	ADJ
ajssms-473	124	25	rural	rural	ADJ
ajssms-473	124	26	communities	community	NOUN
ajssms-473	124	27	in	in	ADP
ajssms-473	124	28	nigeria	nigeria	PROPN
ajssms-473	124	29	is	be	AUX
ajssms-473	124	30	owned	own	VERB
ajssms-473	124	31	by	by	ADP
ajssms-473	124	32	men	man	NOUN
ajssms-473	124	33	unlike	unlike	ADP
ajssms-473	124	34	the	the	DET
ajssms-473	124	35	female	female	NOUN
ajssms-473	124	36	.	.	PUNCT
ajssms-473	125	1	women	woman	NOUN
ajssms-473	125	2	are	be	AUX
ajssms-473	125	3	therefore	therefore	ADV
ajssms-473	125	4	perceived	perceive	VERB
ajssms-473	125	5	to	to	PART
ajssms-473	125	6	be	be	AUX
ajssms-473	125	7	more	more	ADV
ajssms-473	125	8	financial	financial	ADJ
ajssms-473	125	9	handicapped	handicapped	ADJ
ajssms-473	125	10	and	and	CCONJ
ajssms-473	125	11	may	may	AUX
ajssms-473	125	12	be	be	AUX
ajssms-473	125	13	unable	unable	ADJ
ajssms-473	125	14	to	to	PART
ajssms-473	125	15	cope	cope	VERB
ajssms-473	125	16	with	with	ADP
ajssms-473	125	17	the	the	DET
ajssms-473	125	18	mandatory	mandatory	ADJ
ajssms-473	125	19	weekly	weekly	ADJ
ajssms-473	125	20	or	or	CCONJ
ajssms-473	125	21	monthly	monthly	ADJ
ajssms-473	125	22	savings	saving	NOUN
ajssms-473	125	23	required	require	VERB
ajssms-473	125	24	by	by	ADP
ajssms-473	125	25	ifis	ifis	PROPN
ajssms-473	125	26	.	.	PUNCT
ajssms-473	126	1	1.2	1.2	NUM
ajssms-473	126	2	.	.	PUNCT
ajssms-473	126	3	age	age	NOUN
ajssms-473	126	4	:	:	PUNCT
ajssms-473	126	5	the	the	DET
ajssms-473	126	6	result	result	NOUN
ajssms-473	126	7	showed	show	VERB
ajssms-473	126	8	that	that	SCONJ
ajssms-473	126	9	62.90	62.90	NUM
ajssms-473	126	10	%	%	NOUN
ajssms-473	126	11	of	of	ADP
ajssms-473	126	12	the	the	DET
ajssms-473	126	13	people	people	NOUN
ajssms-473	126	14	who	who	PRON
ajssms-473	126	15	are	be	AUX
ajssms-473	126	16	beneficiaries	beneficiary	NOUN
ajssms-473	126	17	of	of	ADP
ajssms-473	126	18	informal	informal	ADJ
ajssms-473	126	19	financial	financial	ADJ
ajssms-473	126	20	institutions	institution	NOUN
ajssms-473	126	21	in	in	ADP
ajssms-473	126	22	konshisha	konshisha	PROPN
ajssms-473	126	23	local	local	ADJ
ajssms-473	126	24	government	government	NOUN
ajssms-473	126	25	area	area	NOUN
ajssms-473	126	26	fell	fall	VERB
ajssms-473	126	27	within	within	ADP
ajssms-473	126	28	the	the	DET
ajssms-473	126	29	age	age	NOUN
ajssms-473	126	30	range	range	NOUN
ajssms-473	126	31	of	of	ADP
ajssms-473	126	32	36	36	NUM
ajssms-473	126	33	-	-	SYM
ajssms-473	126	34	60	60	NUM
ajssms-473	126	35	years	year	NOUN
ajssms-473	126	36	.	.	PUNCT
ajssms-473	127	1	this	this	PRON
ajssms-473	127	2	was	be	AUX
ajssms-473	127	3	followed	follow	VERB
ajssms-473	127	4	by	by	ADP
ajssms-473	127	5	29.62	29.62	NUM
ajssms-473	127	6	%	%	NOUN
ajssms-473	127	7	representing	represent	VERB
ajssms-473	127	8	those	those	PRON
ajssms-473	127	9	who	who	PRON
ajssms-473	127	10	were	be	AUX
ajssms-473	127	11	below	below	ADP
ajssms-473	127	12	the	the	DET
ajssms-473	127	13	age	age	NOUN
ajssms-473	127	14	of	of	ADP
ajssms-473	127	15	35	35	NUM
ajssms-473	127	16	years	year	NOUN
ajssms-473	127	17	.	.	PUNCT
ajssms-473	128	1	the	the	DET
ajssms-473	128	2	study	study	NOUN
ajssms-473	128	3	also	also	ADV
ajssms-473	128	4	revealed	reveal	VERB
ajssms-473	128	5	that	that	SCONJ
ajssms-473	128	6	beneficiaries	beneficiary	NOUN
ajssms-473	128	7	of	of	ADP
ajssms-473	128	8	ifis	ifis	NOUN
ajssms-473	128	9	who	who	PRON
ajssms-473	128	10	were	be	AUX
ajssms-473	128	11	above	above	ADP
ajssms-473	128	12	the	the	DET
ajssms-473	128	13	age	age	NOUN
ajssms-473	128	14	of	of	ADP
ajssms-473	128	15	60	60	NUM
ajssms-473	128	16	years	year	NOUN
ajssms-473	128	17	were	be	AUX
ajssms-473	128	18	very	very	ADV
ajssms-473	128	19	few	few	ADJ
ajssms-473	128	20	(	(	PUNCT
ajssms-473	128	21	7.40	7.40	NUM
ajssms-473	128	22	%	%	NOUN
ajssms-473	128	23	)	)	PUNCT
ajssms-473	128	24	.	.	PUNCT
ajssms-473	129	1	this	this	PRON
ajssms-473	129	2	may	may	AUX
ajssms-473	129	3	be	be	AUX
ajssms-473	129	4	due	due	ADJ
ajssms-473	129	5	to	to	ADP
ajssms-473	129	6	the	the	DET
ajssms-473	129	7	fact	fact	NOUN
ajssms-473	129	8	that	that	SCONJ
ajssms-473	129	9	at	at	ADP
ajssms-473	129	10	the	the	DET
ajssms-473	129	11	age	age	NOUN
ajssms-473	129	12	of	of	ADP
ajssms-473	129	13	61	61	NUM
ajssms-473	129	14	years	year	NOUN
ajssms-473	129	15	and	and	CCONJ
ajssms-473	129	16	above	above	ADV
ajssms-473	129	17	,	,	PUNCT
ajssms-473	129	18	many	many	ADJ
ajssms-473	129	19	people	people	NOUN
ajssms-473	129	20	are	be	AUX
ajssms-473	129	21	productively	productively	ADV
ajssms-473	129	22	inactive	inactive	ADJ
ajssms-473	129	23	and	and	CCONJ
ajssms-473	129	24	may	may	AUX
ajssms-473	129	25	not	not	PART
ajssms-473	129	26	need	need	VERB
ajssms-473	129	27	to	to	PART
ajssms-473	129	28	mobilize	mobilize	VERB
ajssms-473	129	29	savings	saving	NOUN
ajssms-473	129	30	for	for	ADP
ajssms-473	129	31	business	business	NOUN
ajssms-473	129	32	investment	investment	NOUN
ajssms-473	129	33	and	and	CCONJ
ajssms-473	129	34	other	other	ADJ
ajssms-473	129	35	purposes	purpose	NOUN
ajssms-473	129	36	.	.	PUNCT
ajssms-473	130	1	for	for	ADP
ajssms-473	130	2	the	the	DET
ajssms-473	130	3	non	non	NOUN
ajssms-473	130	4	-	-	NOUN
ajssms-473	130	5	beneficiaries	beneficiary	NOUN
ajssms-473	130	6	of	of	ADP
ajssms-473	130	7	ifis	ifis	NOUN
ajssms-473	130	8	in	in	ADP
ajssms-473	130	9	the	the	DET
ajssms-473	130	10	study	study	NOUN
ajssms-473	130	11	area	area	NOUN
ajssms-473	130	12	,	,	PUNCT
ajssms-473	130	13	the	the	DET
ajssms-473	130	14	result	result	NOUN
ajssms-473	130	15	showed	show	VERB
ajssms-473	130	16	that	that	SCONJ
ajssms-473	130	17	majority	majority	NOUN
ajssms-473	130	18	of	of	ADP
ajssms-473	130	19	the	the	DET
ajssms-473	130	20	nonbeneficiaries	nonbeneficiarie	NOUN
ajssms-473	130	21	were	be	AUX
ajssms-473	130	22	within	within	ADP
ajssms-473	130	23	the	the	DET
ajssms-473	130	24	age	age	NOUN
ajssms-473	130	25	bracket	bracket	NOUN
ajssms-473	130	26	of	of	ADP
ajssms-473	130	27	35	35	NUM
ajssms-473	130	28	years	year	NOUN
ajssms-473	130	29	and	and	CCONJ
ajssms-473	130	30	below	below	ADV
ajssms-473	130	31	,	,	PUNCT
ajssms-473	130	32	followed	follow	VERB
ajssms-473	130	33	by	by	ADP
ajssms-473	130	34	39.04	39.04	NUM
ajssms-473	130	35	%	%	NOUN
ajssms-473	130	36	which	which	PRON
ajssms-473	130	37	represent	represent	VERB
ajssms-473	130	38	those	those	PRON
ajssms-473	130	39	within	within	ADP
ajssms-473	130	40	the	the	DET
ajssms-473	130	41	age	age	NOUN
ajssms-473	130	42	range	range	NOUN
ajssms-473	130	43	of	of	ADP
ajssms-473	130	44	3660	3660	NUM
ajssms-473	130	45	,	,	PUNCT
ajssms-473	130	46	while	while	SCONJ
ajssms-473	130	47	20.00	20.00	NUM
ajssms-473	130	48	%	%	NOUN
ajssms-473	130	49	constitute	constitute	VERB
ajssms-473	130	50	the	the	DET
ajssms-473	130	51	non	non	NOUN
ajssms-473	130	52	-	-	NOUN
ajssms-473	130	53	beneficiaries	beneficiary	NOUN
ajssms-473	130	54	that	that	PRON
ajssms-473	130	55	fell	fall	VERB
ajssms-473	130	56	within	within	ADP
ajssms-473	130	57	the	the	DET
ajssms-473	130	58	age	age	NOUN
ajssms-473	130	59	range	range	NOUN
ajssms-473	130	60	of	of	ADP
ajssms-473	130	61	61	61	NUM
ajssms-473	130	62	years	year	NOUN
ajssms-473	130	63	and	and	CCONJ
ajssms-473	130	64	above	above	ADV
ajssms-473	130	65	.	.	PUNCT
ajssms-473	131	1	asian	asian	ADJ
ajssms-473	131	2	journal	journal	PROPN
ajssms-473	131	3	of	of	ADP
ajssms-473	131	4	social	social	ADJ
ajssms-473	131	5	sciences	sciences	PROPN
ajssms-473	131	6	and	and	CCONJ
ajssms-473	131	7	management	management	NOUN
ajssms-473	131	8	studies	study	NOUN
ajssms-473	131	9	,	,	PUNCT
ajssms-473	131	10	2016	2016	NUM
ajssms-473	131	11	,	,	PUNCT
ajssms-473	131	12	3(1	3(1	NUM
ajssms-473	131	13	):	):	PUNCT
ajssms-473	131	14	82	82	NUM
ajssms-473	131	15	-	-	SYM
ajssms-473	131	16	90	90	NUM
ajssms-473	131	17	86	86	NUM
ajssms-473	131	18	table-1.socio	table-1.socio	ADJ
ajssms-473	131	19	-	-	ADJ
ajssms-473	131	20	demographic	demographic	ADJ
ajssms-473	131	21	characteristics	characteristic	NOUN
ajssms-473	131	22	of	of	ADP
ajssms-473	131	23	the	the	DET
ajssms-473	131	24	respondents	respondent	NOUN
ajssms-473	131	25	characteristics	characteristic	VERB
ajssms-473	131	26	beneficiaries	beneficiary	NOUN
ajssms-473	131	27	of	of	ADP
ajssms-473	131	28	informal	informal	ADJ
ajssms-473	131	29	financial	financial	ADJ
ajssms-473	131	30	institutions	institution	NOUN
ajssms-473	131	31	(	(	PUNCT
ajssms-473	131	32	ifis	ifis	PROPN
ajssms-473	131	33	)	)	PUNCT
ajssms-473	131	34	non	non	NOUN
ajssms-473	131	35	-	-	NOUN
ajssms-473	131	36	beneficiaries	beneficiary	NOUN
ajssms-473	131	37	of	of	ADP
ajssms-473	131	38	informal	informal	ADJ
ajssms-473	131	39	financial	financial	ADJ
ajssms-473	131	40	institution	institution	NOUN
ajssms-473	131	41	(	(	PUNCT
ajssms-473	131	42	ifis	ifis	NOUN
ajssms-473	131	43	)	)	PUNCT
ajssms-473	131	44	frequency	frequency	NOUN
ajssms-473	131	45	percentage	percentage	NOUN
ajssms-473	131	46	frequency	frequency	NOUN
ajssms-473	131	47	percentage	percentage	NOUN
ajssms-473	131	48	sex	sex	NOUN
ajssms-473	131	49	age	age	NOUN
ajssms-473	131	50	marital	marital	ADJ
ajssms-473	131	51	status	status	NOUN
ajssms-473	131	52	primary	primary	ADJ
ajssms-473	131	53	occupation	occupation	NOUN
ajssms-473	131	54	male	male	ADJ
ajssms-473	131	55	female	female	ADJ
ajssms-473	131	56	total	total	NOUN
ajssms-473	131	57	below	below	ADP
ajssms-473	131	58	35	35	NUM
ajssms-473	131	59	36	36	NUM
ajssms-473	131	60	-	-	SYM
ajssms-473	131	61	60	60	NUM
ajssms-473	131	62	61	61	NUM
ajssms-473	131	63	and	and	CCONJ
ajssms-473	131	64	above	above	ADP
ajssms-473	131	65	total	total	ADJ
ajssms-473	131	66	married	married	ADJ
ajssms-473	131	67	single	single	ADJ
ajssms-473	131	68	divorced	divorced	ADJ
ajssms-473	131	69	widow	widow	NOUN
ajssms-473	131	70	/	/	SYM
ajssms-473	131	71	widower	widower	NOUN
ajssms-473	131	72	total	total	ADJ
ajssms-473	131	73	civil	civil	ADJ
ajssms-473	131	74	servant	servant	NOUN
ajssms-473	131	75	business	business	NOUN
ajssms-473	131	76	man	man	NOUN
ajssms-473	131	77	/	/	SYM
ajssms-473	131	78	woman	woman	NOUN
ajssms-473	131	79	farming	farming	NOUN
ajssms-473	131	80	driving	drive	VERB
ajssms-473	131	81	unemployed/	unemployed/	NUM
ajssms-473	131	82	schooling	schooling	NOUN
ajssms-473	131	83	total	total	ADJ
ajssms-473	131	84	72	72	NUM
ajssms-473	131	85	36	36	NUM
ajssms-473	131	86	108	108	NUM
ajssms-473	131	87	32	32	NUM
ajssms-473	131	88	68	68	NUM
ajssms-473	131	89	8	8	NUM
ajssms-473	131	90	108	108	NUM
ajssms-473	131	91	84	84	NUM
ajssms-473	131	92	17	17	NUM
ajssms-473	131	93	3	3	NUM
ajssms-473	131	94	4	4	NUM
ajssms-473	131	95	108	108	NUM
ajssms-473	131	96	18	18	NUM
ajssms-473	131	97	12	12	NUM
ajssms-473	131	98	70	70	NUM
ajssms-473	131	99	8	8	NUM
ajssms-473	131	100	108	108	NUM
ajssms-473	131	101	66.67	66.67	NUM
ajssms-473	131	102	33.33	33.33	NUM
ajssms-473	131	103	100	100	NUM
ajssms-473	131	104	29.62	29.62	NUM
ajssms-473	131	105	62.96	62.96	NUM
ajssms-473	131	106	7.41	7.41	NUM
ajssms-473	131	107	100	100	NUM
ajssms-473	131	108	77.77	77.77	NUM
ajssms-473	131	109	15.74	15.74	NUM
ajssms-473	131	110	2.78	2.78	NUM
ajssms-473	131	111	3.78	3.78	NUM
ajssms-473	131	112	100	100	NUM
ajssms-473	131	113	16.67	16.67	NUM
ajssms-473	131	114	11.11	11.11	NUM
ajssms-473	131	115	64.81	64.81	NUM
ajssms-473	131	116	7.41	7.41	NUM
ajssms-473	131	117	100	100	NUM
ajssms-473	131	118	46	46	NUM
ajssms-473	131	119	59	59	NUM
ajssms-473	131	120	105	105	NUM
ajssms-473	131	121	43	43	NUM
ajssms-473	131	122	41	41	NUM
ajssms-473	131	123	21	21	NUM
ajssms-473	131	124	105	105	NUM
ajssms-473	131	125	48	48	NUM
ajssms-473	131	126	37	37	NUM
ajssms-473	131	127	20	20	NUM
ajssms-473	131	128	105	105	NUM
ajssms-473	131	129	2	2	NUM
ajssms-473	131	130	74	74	NUM
ajssms-473	131	131	29	29	NUM
ajssms-473	131	132	105	105	NUM
ajssms-473	131	133	43.81	43.81	NUM
ajssms-473	131	134	56.17	56.17	NUM
ajssms-473	131	135	100	100	NUM
ajssms-473	131	136	40.9	40.9	NUM
ajssms-473	131	137	39.04	39.04	NUM
ajssms-473	131	138	20.00	20.00	NUM
ajssms-473	131	139	100	100	NUM
ajssms-473	131	140	44.44	44.44	NUM
ajssms-473	131	141	35.24	35.24	NUM
ajssms-473	131	142	19.05	19.05	NUM
ajssms-473	131	143	100	100	NUM
ajssms-473	131	144	1.90	1.90	NUM
ajssms-473	131	145	70.48	70.48	NUM
ajssms-473	131	146	27.62	27.62	NUM
ajssms-473	131	147	100	100	NUM
ajssms-473	131	148	source	source	NOUN
ajssms-473	131	149	:	:	PUNCT
ajssms-473	131	150	field	field	NOUN
ajssms-473	131	151	survey	survey	NOUN
ajssms-473	131	152	,	,	PUNCT
ajssms-473	131	153	2014	2014	NUM
ajssms-473	131	154	.	.	PUNCT
ajssms-473	132	1	1.3	1.3	NUM
ajssms-473	132	2	.	.	PUNCT
ajssms-473	133	1	marital	marital	ADJ
ajssms-473	133	2	status	status	NOUN
ajssms-473	133	3	:	:	PUNCT
ajssms-473	133	4	the	the	DET
ajssms-473	133	5	study	study	NOUN
ajssms-473	133	6	revealed	reveal	VERB
ajssms-473	133	7	that	that	SCONJ
ajssms-473	133	8	the	the	DET
ajssms-473	133	9	beneficiaries	beneficiary	NOUN
ajssms-473	133	10	of	of	ADP
ajssms-473	133	11	informal	informal	ADJ
ajssms-473	133	12	financial	financial	ADJ
ajssms-473	133	13	institutions	institution	NOUN
ajssms-473	133	14	under	under	ADP
ajssms-473	133	15	study	study	NOUN
ajssms-473	133	16	are	be	AUX
ajssms-473	133	17	predominated	predominate	VERB
ajssms-473	133	18	by	by	ADP
ajssms-473	133	19	married	married	ADJ
ajssms-473	133	20	people	people	NOUN
ajssms-473	133	21	(	(	PUNCT
ajssms-473	133	22	77.77	77.77	NUM
ajssms-473	133	23	%	%	NOUN
ajssms-473	133	24	)	)	PUNCT
ajssms-473	133	25	.	.	PUNCT
ajssms-473	134	1	15.74	15.74	NUM
ajssms-473	134	2	%	%	NOUN
ajssms-473	134	3	were	be	AUX
ajssms-473	134	4	single	single	ADJ
ajssms-473	134	5	while	while	SCONJ
ajssms-473	134	6	2.78	2.78	NUM
ajssms-473	134	7	%	%	NOUN
ajssms-473	134	8	represent	represent	VERB
ajssms-473	134	9	the	the	DET
ajssms-473	134	10	beneficiaries	beneficiary	NOUN
ajssms-473	134	11	that	that	PRON
ajssms-473	134	12	divorced	divorce	VERB
ajssms-473	134	13	.	.	PUNCT
ajssms-473	135	1	further	further	ADJ
ajssms-473	135	2	analysis	analysis	NOUN
ajssms-473	135	3	showed	show	VERB
ajssms-473	135	4	that	that	SCONJ
ajssms-473	135	5	only	only	ADV
ajssms-473	135	6	3.70	3.70	NUM
ajssms-473	135	7	%	%	NOUN
ajssms-473	135	8	of	of	ADP
ajssms-473	135	9	the	the	DET
ajssms-473	135	10	respondents	respondent	NOUN
ajssms-473	135	11	were	be	AUX
ajssms-473	135	12	widows	widow	NOUN
ajssms-473	135	13	/	/	SYM
ajssms-473	135	14	widowers	widower	NOUN
ajssms-473	135	15	.	.	PUNCT
ajssms-473	136	1	for	for	ADP
ajssms-473	136	2	the	the	DET
ajssms-473	136	3	nonbeneficiaries	nonbeneficiarie	NOUN
ajssms-473	136	4	,	,	PUNCT
ajssms-473	136	5	the	the	DET
ajssms-473	136	6	result	result	NOUN
ajssms-473	136	7	showed	show	VERB
ajssms-473	136	8	that	that	SCONJ
ajssms-473	136	9	44.44	44.44	NUM
ajssms-473	136	10	%	%	NOUN
ajssms-473	136	11	of	of	ADP
ajssms-473	136	12	the	the	DET
ajssms-473	136	13	respondents	respondent	NOUN
ajssms-473	136	14	were	be	AUX
ajssms-473	136	15	married	married	ADJ
ajssms-473	136	16	.	.	PUNCT
ajssms-473	137	1	this	this	PRON
ajssms-473	137	2	followed	follow	VERB
ajssms-473	137	3	by	by	ADP
ajssms-473	137	4	35.21	35.21	NUM
ajssms-473	137	5	%	%	NOUN
ajssms-473	137	6	representing	represent	VERB
ajssms-473	137	7	the	the	DET
ajssms-473	137	8	single	single	ADJ
ajssms-473	137	9	population	population	NOUN
ajssms-473	137	10	while	while	SCONJ
ajssms-473	137	11	19.5	19.5	NUM
ajssms-473	137	12	%	%	NOUN
ajssms-473	137	13	of	of	ADP
ajssms-473	137	14	the	the	DET
ajssms-473	137	15	respondents	respondent	NOUN
ajssms-473	137	16	were	be	AUX
ajssms-473	137	17	widows	widow	NOUN
ajssms-473	137	18	/	/	SYM
ajssms-473	137	19	widowers	widower	NOUN
ajssms-473	137	20	.	.	PUNCT
ajssms-473	138	1	it	it	PRON
ajssms-473	138	2	also	also	ADV
ajssms-473	138	3	showed	show	VERB
ajssms-473	138	4	that	that	SCONJ
ajssms-473	138	5	none	none	NOUN
ajssms-473	138	6	of	of	ADP
ajssms-473	138	7	the	the	DET
ajssms-473	138	8	respondents	respondent	NOUN
ajssms-473	138	9	divorced	divorce	VERB
ajssms-473	138	10	.	.	PUNCT
ajssms-473	139	1	the	the	DET
ajssms-473	139	2	higher	high	ADJ
ajssms-473	139	3	number	number	NOUN
ajssms-473	139	4	of	of	ADP
ajssms-473	139	5	married	married	ADJ
ajssms-473	139	6	people	people	NOUN
ajssms-473	139	7	(	(	PUNCT
ajssms-473	139	8	77.77	77.77	NUM
ajssms-473	139	9	%	%	NOUN
ajssms-473	139	10	)	)	PUNCT
ajssms-473	139	11	in	in	ADP
ajssms-473	139	12	the	the	DET
ajssms-473	139	13	informal	informal	ADJ
ajssms-473	139	14	financial	financial	ADJ
ajssms-473	139	15	institutions	institution	NOUN
ajssms-473	139	16	in	in	ADP
ajssms-473	139	17	the	the	DET
ajssms-473	139	18	study	study	NOUN
ajssms-473	139	19	area	area	NOUN
ajssms-473	139	20	should	should	AUX
ajssms-473	139	21	not	not	PART
ajssms-473	139	22	be	be	AUX
ajssms-473	139	23	surprise	surprise	ADJ
ajssms-473	139	24	because	because	SCONJ
ajssms-473	139	25	married	married	ADJ
ajssms-473	139	26	people	people	NOUN
ajssms-473	139	27	are	be	AUX
ajssms-473	139	28	expected	expect	VERB
ajssms-473	139	29	to	to	PART
ajssms-473	139	30	have	have	VERB
ajssms-473	139	31	more	more	ADJ
ajssms-473	139	32	financial	financial	ADJ
ajssms-473	139	33	responsibilities	responsibility	NOUN
ajssms-473	139	34	than	than	ADP
ajssms-473	139	35	their	their	PRON
ajssms-473	139	36	single	single	ADJ
ajssms-473	139	37	counterpart	counterpart	NOUN
ajssms-473	139	38	and	and	CCONJ
ajssms-473	139	39	hence	hence	ADV
ajssms-473	139	40	they	they	PRON
ajssms-473	139	41	involved	involve	VERB
ajssms-473	139	42	in	in	ADP
ajssms-473	139	43	savings	saving	NOUN
ajssms-473	139	44	associations	association	NOUN
ajssms-473	139	45	to	to	PART
ajssms-473	139	46	access	access	VERB
ajssms-473	139	47	funds	fund	NOUN
ajssms-473	139	48	to	to	PART
ajssms-473	139	49	cope	cope	VERB
ajssms-473	139	50	with	with	ADP
ajssms-473	139	51	basic	basic	ADJ
ajssms-473	139	52	family	family	NOUN
ajssms-473	139	53	needs	need	VERB
ajssms-473	139	54	such	such	ADJ
ajssms-473	139	55	as	as	ADP
ajssms-473	139	56	health	health	NOUN
ajssms-473	139	57	care	care	NOUN
ajssms-473	139	58	,	,	PUNCT
ajssms-473	139	59	provision	provision	NOUN
ajssms-473	139	60	of	of	ADP
ajssms-473	139	61	food	food	NOUN
ajssms-473	139	62	,	,	PUNCT
ajssms-473	139	63	education	education	NOUN
ajssms-473	139	64	,	,	PUNCT
ajssms-473	139	65	clothing	clothing	NOUN
ajssms-473	139	66	and	and	CCONJ
ajssms-473	139	67	other	other	ADJ
ajssms-473	139	68	unforeseen	unforeseen	ADJ
ajssms-473	139	69	occurrences	occurrence	NOUN
ajssms-473	139	70	.	.	PUNCT
ajssms-473	140	1	1.4.primary	1.4.primary	NUM
ajssms-473	140	2	occupation	occupation	NOUN
ajssms-473	140	3	:	:	PUNCT
ajssms-473	140	4	the	the	DET
ajssms-473	140	5	study	study	NOUN
ajssms-473	140	6	revealed	reveal	VERB
ajssms-473	140	7	that	that	SCONJ
ajssms-473	140	8	64.81	64.81	NUM
ajssms-473	140	9	%	%	NOUN
ajssms-473	140	10	of	of	ADP
ajssms-473	140	11	the	the	DET
ajssms-473	140	12	respondents	respondent	NOUN
ajssms-473	140	13	who	who	PRON
ajssms-473	140	14	are	be	AUX
ajssms-473	140	15	beneficiaries	beneficiary	NOUN
ajssms-473	140	16	of	of	ADP
ajssms-473	140	17	informal	informal	ADJ
ajssms-473	140	18	financial	financial	ADJ
ajssms-473	140	19	institutions	institution	NOUN
ajssms-473	140	20	engaged	engage	VERB
ajssms-473	140	21	in	in	ADP
ajssms-473	140	22	farming	farming	NOUN
ajssms-473	140	23	as	as	ADP
ajssms-473	140	24	their	their	PRON
ajssms-473	140	25	primary	primary	ADJ
ajssms-473	140	26	economic	economic	ADJ
ajssms-473	140	27	activity	activity	NOUN
ajssms-473	140	28	,	,	PUNCT
ajssms-473	140	29	16.67	16.67	NUM
ajssms-473	140	30	%	%	NOUN
ajssms-473	140	31	of	of	ADP
ajssms-473	140	32	the	the	DET
ajssms-473	140	33	respondents	respondent	NOUN
ajssms-473	140	34	,	,	PUNCT
ajssms-473	140	35	were	be	AUX
ajssms-473	140	36	civil	civil	ADJ
ajssms-473	140	37	servants	servant	NOUN
ajssms-473	140	38	,	,	PUNCT
ajssms-473	140	39	11.11	11.11	NUM
ajssms-473	140	40	%	%	NOUN
ajssms-473	140	41	were	be	AUX
ajssms-473	140	42	business	business	NOUN
ajssms-473	140	43	men	man	NOUN
ajssms-473	140	44	/	/	SYM
ajssms-473	140	45	women	woman	NOUN
ajssms-473	140	46	while	while	SCONJ
ajssms-473	140	47	7.41	7.41	NUM
ajssms-473	140	48	%	%	NOUN
ajssms-473	140	49	represent	represent	VERB
ajssms-473	140	50	those	those	PRON
ajssms-473	140	51	who	who	PRON
ajssms-473	140	52	were	be	AUX
ajssms-473	140	53	drivers	driver	NOUN
ajssms-473	140	54	.	.	PUNCT
ajssms-473	141	1	further	further	ADJ
ajssms-473	141	2	analysis	analysis	NOUN
ajssms-473	141	3	showed	show	VERB
ajssms-473	141	4	that	that	SCONJ
ajssms-473	141	5	none	none	NOUN
ajssms-473	141	6	of	of	ADP
ajssms-473	141	7	the	the	DET
ajssms-473	141	8	beneficiaries	beneficiary	NOUN
ajssms-473	141	9	of	of	ADP
ajssms-473	141	10	informal	informal	ADJ
ajssms-473	141	11	financial	financial	ADJ
ajssms-473	141	12	institutions	institution	NOUN
ajssms-473	141	13	interviewed	interview	VERB
ajssms-473	141	14	were	be	AUX
ajssms-473	141	15	either	either	CCONJ
ajssms-473	141	16	unemployed	unemployed	ADJ
ajssms-473	141	17	or	or	CCONJ
ajssms-473	141	18	schooling	schooling	NOUN
ajssms-473	141	19	.	.	PUNCT
ajssms-473	142	1	similarly	similarly	ADV
ajssms-473	142	2	,	,	PUNCT
ajssms-473	142	3	farming	farming	NOUN
ajssms-473	142	4	was	be	AUX
ajssms-473	142	5	also	also	ADV
ajssms-473	142	6	identified	identify	VERB
ajssms-473	142	7	as	as	ADP
ajssms-473	142	8	the	the	DET
ajssms-473	142	9	major	major	ADJ
ajssms-473	142	10	economic	economic	ADJ
ajssms-473	142	11	activity	activity	NOUN
ajssms-473	142	12	of	of	ADP
ajssms-473	142	13	non	non	NOUN
ajssms-473	142	14	-	-	NOUN
ajssms-473	142	15	beneficiaries	beneficiary	NOUN
ajssms-473	142	16	of	of	ADP
ajssms-473	142	17	ifis	ifis	NOUN
ajssms-473	142	18	in	in	ADP
ajssms-473	142	19	the	the	DET
ajssms-473	142	20	study	study	NOUN
ajssms-473	142	21	area	area	NOUN
ajssms-473	142	22	constituting	constitute	VERB
ajssms-473	142	23	about	about	ADP
ajssms-473	142	24	70.48	70.48	NUM
ajssms-473	142	25	%	%	NOUN
ajssms-473	142	26	of	of	ADP
ajssms-473	142	27	the	the	DET
ajssms-473	142	28	population	population	NOUN
ajssms-473	142	29	interviewed	interview	VERB
ajssms-473	142	30	.	.	PUNCT
ajssms-473	143	1	this	this	PRON
ajssms-473	143	2	is	be	AUX
ajssms-473	143	3	followed	follow	VERB
ajssms-473	143	4	by	by	ADP
ajssms-473	143	5	27.62	27.62	NUM
ajssms-473	143	6	%	%	NOUN
ajssms-473	143	7	respondents	respondent	NOUN
ajssms-473	143	8	who	who	PRON
ajssms-473	143	9	were	be	AUX
ajssms-473	143	10	civil	civil	ADJ
ajssms-473	143	11	servants	servant	NOUN
ajssms-473	143	12	.	.	PUNCT
ajssms-473	144	1	the	the	DET
ajssms-473	144	2	result	result	NOUN
ajssms-473	144	3	showed	show	VERB
ajssms-473	144	4	clearly	clearly	ADV
ajssms-473	144	5	that	that	SCONJ
ajssms-473	144	6	farming	farming	NOUN
ajssms-473	144	7	is	be	AUX
ajssms-473	144	8	the	the	DET
ajssms-473	144	9	main	main	ADJ
ajssms-473	144	10	economic	economic	ADJ
ajssms-473	144	11	activity	activity	NOUN
ajssms-473	144	12	of	of	ADP
ajssms-473	144	13	both	both	DET
ajssms-473	144	14	beneficiaries	beneficiary	NOUN
ajssms-473	144	15	(	(	PUNCT
ajssms-473	144	16	64.80	64.80	NUM
ajssms-473	144	17	%	%	NOUN
ajssms-473	144	18	)	)	PUNCT
ajssms-473	144	19	and	and	CCONJ
ajssms-473	144	20	non	non	NOUN
ajssms-473	144	21	-	-	NOUN
ajssms-473	144	22	beneficiaries	beneficiary	NOUN
ajssms-473	144	23	(	(	PUNCT
ajssms-473	144	24	70.48	70.48	NUM
ajssms-473	144	25	%	%	NOUN
ajssms-473	144	26	)	)	PUNCT
ajssms-473	144	27	of	of	ADP
ajssms-473	144	28	ifis	ifis	PROPN
ajssms-473	144	29	is	be	AUX
ajssms-473	144	30	the	the	DET
ajssms-473	144	31	study	study	NOUN
ajssms-473	144	32	area	area	NOUN
ajssms-473	144	33	.	.	PUNCT
ajssms-473	145	1	this	this	PRON
ajssms-473	145	2	must	must	AUX
ajssms-473	145	3	not	not	PART
ajssms-473	145	4	be	be	AUX
ajssms-473	145	5	unconnected	unconnected	ADJ
ajssms-473	145	6	to	to	ADP
ajssms-473	145	7	the	the	DET
ajssms-473	145	8	fact	fact	NOUN
ajssms-473	145	9	that	that	SCONJ
ajssms-473	145	10	konshisha	konshisha	PROPN
ajssms-473	145	11	local	local	ADJ
ajssms-473	145	12	government	government	NOUN
ajssms-473	145	13	is	be	AUX
ajssms-473	145	14	a	a	DET
ajssms-473	145	15	rural	rural	ADJ
ajssms-473	145	16	community	community	NOUN
ajssms-473	145	17	whose	whose	DET
ajssms-473	145	18	inhabitants	inhabitant	NOUN
ajssms-473	145	19	are	be	AUX
ajssms-473	145	20	predominantly	predominantly	ADV
ajssms-473	145	21	farmers	farmer	NOUN
ajssms-473	145	22	.	.	PUNCT
ajssms-473	146	1	4.1	4.1	NUM
ajssms-473	146	2	.	.	PUNCT
ajssms-473	146	3	socio	socio	NOUN
ajssms-473	146	4	-	-	PUNCT
ajssms-473	146	5	economic	economic	ADJ
ajssms-473	146	6	attributes	attribute	NOUN
ajssms-473	146	7	of	of	ADP
ajssms-473	146	8	the	the	DET
ajssms-473	146	9	respondents	respondent	NOUN
ajssms-473	146	10	the	the	DET
ajssms-473	146	11	socio	socio	NOUN
ajssms-473	146	12	-	-	PUNCT
ajssms-473	146	13	economic	economic	ADJ
ajssms-473	146	14	attributes	attribute	NOUN
ajssms-473	146	15	that	that	PRON
ajssms-473	146	16	are	be	AUX
ajssms-473	146	17	of	of	ADP
ajssms-473	146	18	important	important	ADJ
ajssms-473	146	19	to	to	ADP
ajssms-473	146	20	this	this	DET
ajssms-473	146	21	research	research	NOUN
ajssms-473	146	22	work	work	NOUN
ajssms-473	146	23	include	include	VERB
ajssms-473	146	24	household	household	NOUN
ajssms-473	146	25	size	size	NOUN
ajssms-473	146	26	,	,	PUNCT
ajssms-473	146	27	household	household	NOUN
ajssms-473	146	28	consumption	consumption	NOUN
ajssms-473	146	29	expenditure	expenditure	NOUN
ajssms-473	146	30	,	,	PUNCT
ajssms-473	146	31	education	education	NOUN
ajssms-473	146	32	status	status	NOUN
ajssms-473	146	33	of	of	ADP
ajssms-473	146	34	households	household	NOUN
ajssms-473	146	35	,	,	PUNCT
ajssms-473	146	36	child	child	NOUN
ajssms-473	146	37	dependency	dependency	NOUN
ajssms-473	146	38	ratio	ratio	NOUN
ajssms-473	146	39	and	and	CCONJ
ajssms-473	146	40	average	average	ADJ
ajssms-473	146	41	monthly	monthly	ADJ
ajssms-473	146	42	savings	saving	NOUN
ajssms-473	146	43	as	as	SCONJ
ajssms-473	146	44	presented	present	VERB
ajssms-473	146	45	in	in	ADP
ajssms-473	146	46	the	the	DET
ajssms-473	146	47	table	table	NOUN
ajssms-473	146	48	below	below	ADV
ajssms-473	146	49	.	.	PUNCT
ajssms-473	147	1	2.1	2.1	NUM
ajssms-473	147	2	.	.	PUNCT
ajssms-473	147	3	household	household	NOUN
ajssms-473	147	4	size	size	NOUN
ajssms-473	147	5	:	:	PUNCT
ajssms-473	147	6	the	the	DET
ajssms-473	147	7	study	study	NOUN
ajssms-473	147	8	revealed	reveal	VERB
ajssms-473	147	9	that	that	SCONJ
ajssms-473	147	10	majority	majority	NOUN
ajssms-473	147	11	of	of	ADP
ajssms-473	147	12	the	the	DET
ajssms-473	147	13	beneficiaries	beneficiary	NOUN
ajssms-473	147	14	of	of	ADP
ajssms-473	147	15	ifis	ifis	PROPN
ajssms-473	147	16	in	in	ADP
ajssms-473	147	17	konshisha	konshisha	PROPN
ajssms-473	147	18	local	local	ADJ
ajssms-473	147	19	government	government	NOUN
ajssms-473	147	20	area	area	NOUN
ajssms-473	147	21	had	have	VERB
ajssms-473	147	22	a	a	DET
ajssms-473	147	23	household	household	NOUN
ajssms-473	147	24	size	size	NOUN
ajssms-473	147	25	of	of	ADP
ajssms-473	147	26	5	5	NUM
ajssms-473	147	27	-	-	SYM
ajssms-473	147	28	7	7	NUM
ajssms-473	147	29	persons	person	NOUN
ajssms-473	147	30	,	,	PUNCT
ajssms-473	147	31	followed	follow	VERB
ajssms-473	147	32	by	by	ADP
ajssms-473	147	33	those	those	PRON
ajssms-473	147	34	with	with	ADP
ajssms-473	147	35	household	household	NOUN
ajssms-473	147	36	size	size	NOUN
ajssms-473	147	37	of	of	ADP
ajssms-473	147	38	8	8	NUM
ajssms-473	147	39	-	-	SYM
ajssms-473	147	40	10	10	NUM
ajssms-473	147	41	persons	person	NOUN
ajssms-473	147	42	representing	represent	VERB
ajssms-473	147	43	28.70	28.70	NUM
ajssms-473	147	44	%	%	NOUN
ajssms-473	147	45	while	while	SCONJ
ajssms-473	147	46	24.7	24.7	NUM
ajssms-473	147	47	%	%	NOUN
ajssms-473	147	48	of	of	ADP
ajssms-473	147	49	the	the	DET
ajssms-473	147	50	respondents	respondent	NOUN
ajssms-473	147	51	constitute	constitute	VERB
ajssms-473	147	52	the	the	DET
ajssms-473	147	53	beneficiaries	beneficiary	NOUN
ajssms-473	147	54	of	of	ADP
ajssms-473	147	55	ifis	ifis	NOUN
ajssms-473	147	56	who	who	PRON
ajssms-473	147	57	had	have	VERB
ajssms-473	147	58	maximum	maximum	NOUN
ajssms-473	147	59	of	of	ADP
ajssms-473	147	60	four	four	NUM
ajssms-473	147	61	persons	person	NOUN
ajssms-473	147	62	in	in	ADP
ajssms-473	147	63	their	their	PRON
ajssms-473	147	64	households	household	NOUN
ajssms-473	147	65	.	.	PUNCT
ajssms-473	148	1	the	the	DET
ajssms-473	148	2	result	result	NOUN
ajssms-473	148	3	further	far	ADV
ajssms-473	148	4	showed	show	VERB
ajssms-473	148	5	that	that	SCONJ
ajssms-473	148	6	only	only	ADV
ajssms-473	148	7	about	about	ADP
ajssms-473	148	8	12.04	12.04	NUM
ajssms-473	148	9	%	%	NOUN
ajssms-473	148	10	of	of	ADP
ajssms-473	148	11	the	the	DET
ajssms-473	148	12	respondents	respondent	NOUN
ajssms-473	148	13	had	have	VERB
ajssms-473	148	14	a	a	DET
ajssms-473	148	15	larger	large	ADJ
ajssms-473	148	16	household	household	NOUN
ajssms-473	148	17	size	size	NOUN
ajssms-473	148	18	of	of	ADP
ajssms-473	148	19	11	11	NUM
ajssms-473	148	20	persons	person	NOUN
ajssms-473	148	21	and	and	CCONJ
ajssms-473	148	22	above	above	ADV
ajssms-473	148	23	.	.	PUNCT
ajssms-473	149	1	for	for	ADP
ajssms-473	149	2	the	the	DET
ajssms-473	149	3	non	non	NOUN
ajssms-473	149	4	-	-	NOUN
ajssms-473	149	5	beneficiaries	beneficiary	NOUN
ajssms-473	149	6	of	of	ADP
ajssms-473	149	7	ifis	ifis	PROPN
ajssms-473	149	8	,	,	PUNCT
ajssms-473	149	9	the	the	DET
ajssms-473	149	10	analysis	analysis	NOUN
ajssms-473	149	11	showed	show	VERB
ajssms-473	149	12	that	that	SCONJ
ajssms-473	149	13	35.23	35.23	NUM
ajssms-473	149	14	%	%	NOUN
ajssms-473	149	15	of	of	ADP
ajssms-473	149	16	the	the	DET
ajssms-473	149	17	respondents	respondent	NOUN
ajssms-473	149	18	had	have	VERB
ajssms-473	149	19	a	a	DET
ajssms-473	149	20	household	household	NOUN
ajssms-473	149	21	size	size	NOUN
ajssms-473	149	22	of	of	ADP
ajssms-473	149	23	5	5	NUM
ajssms-473	149	24	-	-	SYM
ajssms-473	149	25	7	7	NUM
ajssms-473	149	26	persons	person	NOUN
ajssms-473	149	27	as	as	ADP
ajssms-473	149	28	in	in	ADP
ajssms-473	149	29	the	the	DET
ajssms-473	149	30	case	case	NOUN
ajssms-473	149	31	of	of	ADP
ajssms-473	149	32	beneficiaries	beneficiary	NOUN
ajssms-473	149	33	of	of	ADP
ajssms-473	149	34	ifis	ifis	PROPN
ajssms-473	149	35	.	.	PUNCT
ajssms-473	150	1	this	this	PRON
ajssms-473	150	2	was	be	AUX
ajssms-473	150	3	followed	follow	VERB
ajssms-473	150	4	by	by	ADP
ajssms-473	150	5	33.33	33.33	NUM
ajssms-473	150	6	%	%	NOUN
ajssms-473	150	7	20.95	20.95	NUM
ajssms-473	150	8	%	%	NOUN
ajssms-473	150	9	and	and	CCONJ
ajssms-473	150	10	10.48	10.48	NUM
ajssms-473	150	11	%	%	NOUN
ajssms-473	150	12	representing	represent	VERB
ajssms-473	150	13	non	non	NOUN
ajssms-473	150	14	-	-	NOUN
ajssms-473	150	15	beneficiaries	beneficiary	NOUN
ajssms-473	150	16	of	of	ADP
ajssms-473	150	17	ifis	ifis	NOUN
ajssms-473	150	18	who	who	PRON
ajssms-473	150	19	had	have	VERB
ajssms-473	150	20	household	household	NOUN
ajssms-473	150	21	size	size	NOUN
ajssms-473	150	22	of	of	ADP
ajssms-473	150	23	8	8	NUM
ajssms-473	150	24	-	-	SYM
ajssms-473	150	25	10	10	NUM
ajssms-473	150	26	persons	person	NOUN
ajssms-473	150	27	,	,	PUNCT
ajssms-473	150	28	11	11	NUM
ajssms-473	150	29	persons	person	NOUN
ajssms-473	150	30	and	and	CCONJ
ajssms-473	150	31	above	above	ADV
ajssms-473	150	32	and	and	CCONJ
ajssms-473	150	33	0	0	NUM
ajssms-473	150	34	-	-	SYM
ajssms-473	150	35	4	4	NUM
ajssms-473	150	36	persons	person	NOUN
ajssms-473	150	37	respectively	respectively	ADV
ajssms-473	150	38	.	.	PUNCT
ajssms-473	151	1	since	since	SCONJ
ajssms-473	151	2	the	the	DET
ajssms-473	151	3	household	household	NOUN
ajssms-473	151	4	size	size	NOUN
ajssms-473	151	5	of	of	ADP
ajssms-473	151	6	nonbeneficiaries	nonbeneficiarie	NOUN
ajssms-473	151	7	is	be	AUX
ajssms-473	151	8	relatively	relatively	ADV
ajssms-473	151	9	higher	high	ADJ
ajssms-473	151	10	than	than	ADP
ajssms-473	151	11	that	that	PRON
ajssms-473	151	12	of	of	ADP
ajssms-473	151	13	beneficiaries	beneficiary	NOUN
ajssms-473	151	14	,	,	PUNCT
ajssms-473	151	15	the	the	DET
ajssms-473	151	16	incidence	incidence	NOUN
ajssms-473	151	17	of	of	ADP
ajssms-473	151	18	poverty	poverty	NOUN
ajssms-473	151	19	will	will	AUX
ajssms-473	151	20	also	also	ADV
ajssms-473	151	21	be	be	AUX
ajssms-473	151	22	more	more	ADJ
ajssms-473	151	23	among	among	ADP
ajssms-473	151	24	the	the	DET
ajssms-473	151	25	nonbeneficiaries	nonbeneficiarie	NOUN
ajssms-473	151	26	of	of	ADP
ajssms-473	151	27	ifis	ifis	NOUN
ajssms-473	151	28	in	in	ADP
ajssms-473	151	29	the	the	DET
ajssms-473	151	30	study	study	NOUN
ajssms-473	151	31	area	area	NOUN
ajssms-473	151	32	.	.	PUNCT
ajssms-473	152	1	this	this	PRON
ajssms-473	152	2	is	be	AUX
ajssms-473	152	3	because	because	SCONJ
ajssms-473	152	4	house	house	NOUN
ajssms-473	152	5	size	size	NOUN
ajssms-473	152	6	of	of	ADP
ajssms-473	152	7	respondents	respondent	NOUN
ajssms-473	152	8	negatively	negatively	ADV
ajssms-473	152	9	influences	influence	VERB
ajssms-473	152	10	their	their	PRON
ajssms-473	152	11	poverty	poverty	NOUN
ajssms-473	152	12	status	status	NOUN
ajssms-473	152	13	.	.	PUNCT
ajssms-473	153	1	2.2	2.2	NUM
ajssms-473	153	2	.	.	PUNCT
ajssms-473	154	1	education	education	NOUN
ajssms-473	154	2	status	status	NOUN
ajssms-473	154	3	:	:	PUNCT
ajssms-473	154	4	the	the	DET
ajssms-473	154	5	study	study	NOUN
ajssms-473	154	6	showed	show	VERB
ajssms-473	154	7	that	that	SCONJ
ajssms-473	154	8	household	household	NOUN
ajssms-473	154	9	heads	head	NOUN
ajssms-473	154	10	with	with	ADP
ajssms-473	154	11	secondary	secondary	ADJ
ajssms-473	154	12	education	education	NOUN
ajssms-473	154	13	constitutes	constitute	VERB
ajssms-473	154	14	the	the	DET
ajssms-473	154	15	highest	high	ADJ
ajssms-473	154	16	percentage	percentage	NOUN
ajssms-473	154	17	of	of	ADP
ajssms-473	154	18	44.44	44.44	NUM
ajssms-473	154	19	among	among	ADP
ajssms-473	154	20	beneficiaries	beneficiary	NOUN
ajssms-473	154	21	of	of	ADP
ajssms-473	154	22	ifis	ifis	NOUN
ajssms-473	154	23	interviewed	interview	VERB
ajssms-473	154	24	.	.	PUNCT
ajssms-473	155	1	this	this	PRON
ajssms-473	155	2	was	be	AUX
ajssms-473	155	3	followed	follow	VERB
ajssms-473	155	4	by	by	ADP
ajssms-473	155	5	those	those	PRON
ajssms-473	155	6	who	who	PRON
ajssms-473	155	7	acquired	acquire	VERB
ajssms-473	155	8	primary	primary	ADJ
ajssms-473	155	9	education	education	NOUN
ajssms-473	155	10	(	(	PUNCT
ajssms-473	155	11	29.63	29.63	NUM
ajssms-473	155	12	%	%	NOUN
ajssms-473	155	13	)	)	PUNCT
ajssms-473	155	14	,	,	PUNCT
ajssms-473	155	15	tertiary	tertiary	ADJ
ajssms-473	155	16	education	education	NOUN
ajssms-473	155	17	(	(	PUNCT
ajssms-473	155	18	18.51	18.51	NUM
ajssms-473	155	19	%	%	NOUN
ajssms-473	155	20	)	)	PUNCT
ajssms-473	155	21	and	and	CCONJ
ajssms-473	155	22	finally	finally	ADV
ajssms-473	155	23	those	those	PRON
ajssms-473	155	24	who	who	PRON
ajssms-473	155	25	had	have	VERB
ajssms-473	155	26	no	no	DET
ajssms-473	155	27	formal	formal	ADJ
ajssms-473	155	28	education	education	NOUN
ajssms-473	155	29	representing	represent	VERB
ajssms-473	155	30	only	only	ADV
ajssms-473	155	31	7.40	7.40	NUM
ajssms-473	155	32	%	%	NOUN
ajssms-473	155	33	.	.	PUNCT
ajssms-473	156	1	on	on	ADP
ajssms-473	156	2	the	the	DET
ajssms-473	156	3	contrary	contrary	NOUN
ajssms-473	156	4	,	,	PUNCT
ajssms-473	156	5	the	the	DET
ajssms-473	156	6	analysis	analysis	NOUN
ajssms-473	156	7	of	of	ADP
ajssms-473	156	8	the	the	DET
ajssms-473	156	9	education	education	NOUN
ajssms-473	156	10	status	status	NOUN
ajssms-473	156	11	of	of	ADP
ajssms-473	156	12	the	the	DET
ajssms-473	156	13	non	non	NOUN
ajssms-473	156	14	-	-	NOUN
ajssms-473	156	15	beneficiaries	beneficiary	NOUN
ajssms-473	156	16	of	of	ADP
ajssms-473	156	17	ifis	ifis	NOUN
ajssms-473	156	18	indicated	indicate	VERB
ajssms-473	156	19	that	that	SCONJ
ajssms-473	156	20	49.52	49.52	NUM
ajssms-473	156	21	%	%	NOUN
ajssms-473	156	22	of	of	ADP
ajssms-473	156	23	the	the	DET
ajssms-473	156	24	respondent	respondent	NOUN
ajssms-473	156	25	lack	lack	NOUN
ajssms-473	156	26	formal	formal	ADJ
ajssms-473	156	27	education	education	NOUN
ajssms-473	156	28	while	while	SCONJ
ajssms-473	156	29	32.38	32.38	NUM
ajssms-473	156	30	%	%	NOUN
ajssms-473	156	31	,	,	PUNCT
ajssms-473	156	32	16.19	16.19	NUM
ajssms-473	156	33	%	%	NOUN
ajssms-473	156	34	and	and	CCONJ
ajssms-473	156	35	1.90	1.90	NUM
ajssms-473	156	36	%	%	NOUN
ajssms-473	156	37	represent	represent	VERB
ajssms-473	156	38	respondents	respondent	NOUN
ajssms-473	156	39	who	who	PRON
ajssms-473	156	40	acquired	acquire	VERB
ajssms-473	156	41	primary	primary	ADJ
ajssms-473	156	42	,	,	PUNCT
ajssms-473	156	43	secondary	secondary	ADJ
ajssms-473	156	44	and	and	CCONJ
ajssms-473	156	45	tertiary	tertiary	ADJ
ajssms-473	156	46	education	education	NOUN
ajssms-473	156	47	respectively	respectively	ADV
ajssms-473	156	48	.	.	PUNCT
ajssms-473	157	1	the	the	DET
ajssms-473	157	2	result	result	NOUN
ajssms-473	157	3	cleary	cleary	PROPN
ajssms-473	157	4	showed	show	VERB
ajssms-473	157	5	that	that	SCONJ
ajssms-473	157	6	illiteracy	illiteracy	NOUN
ajssms-473	157	7	is	be	AUX
ajssms-473	157	8	higher	high	ADJ
ajssms-473	157	9	among	among	ADP
ajssms-473	157	10	nonbeneficiaries	nonbeneficiarie	NOUN
ajssms-473	157	11	of	of	ADP
ajssms-473	157	12	ifis	ifis	PROPN
ajssms-473	157	13	(	(	PUNCT
ajssms-473	157	14	49.52	49.52	NUM
ajssms-473	157	15	%	%	NOUN
ajssms-473	157	16	)	)	PUNCT
ajssms-473	157	17	.	.	PUNCT
ajssms-473	158	1	than	than	ADP
ajssms-473	158	2	in	in	ADP
ajssms-473	158	3	the	the	DET
ajssms-473	158	4	beneficiaries	beneficiary	NOUN
ajssms-473	158	5	of	of	ADP
ajssms-473	158	6	ifis	ifis	PROPN
ajssms-473	158	7	(	(	PUNCT
ajssms-473	158	8	7.40	7.40	NUM
ajssms-473	158	9	%	%	NOUN
ajssms-473	158	10	)	)	PUNCT
ajssms-473	158	11	.	.	PUNCT
ajssms-473	159	1	this	this	PRON
ajssms-473	159	2	implies	imply	VERB
ajssms-473	159	3	that	that	SCONJ
ajssms-473	159	4	lack	lack	NOUN
ajssms-473	159	5	of	of	ADP
ajssms-473	159	6	formal	formal	ADJ
ajssms-473	159	7	education	education	NOUN
ajssms-473	159	8	may	may	AUX
ajssms-473	159	9	be	be	AUX
ajssms-473	159	10	accountable	accountable	ADJ
ajssms-473	159	11	for	for	ADP
ajssms-473	159	12	high	high	ADJ
ajssms-473	159	13	occurrence	occurrence	NOUN
ajssms-473	159	14	of	of	ADP
ajssms-473	159	15	poverty	poverty	NOUN
ajssms-473	159	16	among	among	ADP
ajssms-473	159	17	non	non	NOUN
ajssms-473	159	18	-	-	NOUN
ajssms-473	159	19	members	member	NOUN
ajssms-473	159	20	of	of	ADP
ajssms-473	159	21	ifis	ifis	PROPN
ajssms-473	159	22	in	in	ADP
ajssms-473	159	23	the	the	DET
ajssms-473	159	24	study	study	NOUN
ajssms-473	159	25	area	area	NOUN
ajssms-473	159	26	since	since	SCONJ
ajssms-473	159	27	the	the	DET
ajssms-473	159	28	importance	importance	NOUN
ajssms-473	159	29	of	of	ADP
ajssms-473	159	30	education	education	NOUN
ajssms-473	159	31	in	in	ADP
ajssms-473	159	32	self	self	NOUN
ajssms-473	159	33	sustenance	sustenance	NOUN
ajssms-473	159	34	can	can	AUX
ajssms-473	159	35	not	not	PART
ajssms-473	159	36	be	be	AUX
ajssms-473	159	37	overemphasized	overemphasize	VERB
ajssms-473	159	38	.	.	PUNCT
ajssms-473	160	1	asian	asian	ADJ
ajssms-473	160	2	journal	journal	NOUN
ajssms-473	160	3	of	of	ADP
ajssms-473	160	4	social	social	ADJ
ajssms-473	160	5	sciences	sciences	PROPN
ajssms-473	160	6	and	and	CCONJ
ajssms-473	160	7	management	management	NOUN
ajssms-473	160	8	studies	study	NOUN
ajssms-473	160	9	,	,	PUNCT
ajssms-473	160	10	2016	2016	NUM
ajssms-473	160	11	,	,	PUNCT
ajssms-473	160	12	3(1	3(1	NUM
ajssms-473	160	13	):	):	PUNCT
ajssms-473	160	14	82	82	NUM
ajssms-473	160	15	-	-	SYM
ajssms-473	160	16	90	90	NUM
ajssms-473	160	17	87	87	NUM
ajssms-473	160	18	table-2.socio	table-2.socio	NOUN
ajssms-473	160	19	-	-	PUNCT
ajssms-473	160	20	economic	economic	ADJ
ajssms-473	160	21	attributes	attribute	NOUN
ajssms-473	160	22	of	of	ADP
ajssms-473	160	23	the	the	DET
ajssms-473	160	24	respondents	respondent	NOUN
ajssms-473	160	25	attributes	attribute	VERB
ajssms-473	160	26	beneficiaries	beneficiary	NOUN
ajssms-473	160	27	of	of	ADP
ajssms-473	160	28	informal	informal	ADJ
ajssms-473	160	29	financial	financial	ADJ
ajssms-473	160	30	institutions	institution	NOUN
ajssms-473	160	31	(	(	PUNCT
ajssms-473	160	32	ifis	ifis	PROPN
ajssms-473	160	33	)	)	PUNCT
ajssms-473	160	34	non	non	NOUN
ajssms-473	160	35	-	-	NOUN
ajssms-473	160	36	beneficiaries	beneficiary	NOUN
ajssms-473	160	37	of	of	ADP
ajssms-473	160	38	informal	informal	ADJ
ajssms-473	160	39	financial	financial	ADJ
ajssms-473	160	40	institutions	institution	NOUN
ajssms-473	160	41	(	(	PUNCT
ajssms-473	160	42	ifis	ifis	PROPN
ajssms-473	160	43	)	)	PUNCT
ajssms-473	160	44	frequenc	frequenc	PROPN
ajssms-473	160	45	y	y	PROPN
ajssms-473	160	46	percentage	percentage	NOUN
ajssms-473	160	47	frequency	frequency	NOUN
ajssms-473	160	48	percentage	percentage	NOUN
ajssms-473	160	49	household	household	NOUN
ajssms-473	160	50	size	size	NOUN
ajssms-473	160	51	education	education	NOUN
ajssms-473	160	52	status	status	NOUN
ajssms-473	160	53	household	household	NOUN
ajssms-473	160	54	consumption	consumption	NOUN
ajssms-473	160	55	expenditure	expenditure	NOUN
ajssms-473	160	56	/annum	/annum	PROPN
ajssms-473	160	57	child	child	NOUN
ajssms-473	160	58	dependency	dependency	NOUN
ajssms-473	160	59	ratio	ratio	NOUN
ajssms-473	160	60	average	average	ADJ
ajssms-473	160	61	monthly	monthly	ADJ
ajssms-473	160	62	savings	saving	NOUN
ajssms-473	160	63	0	0	NUM
ajssms-473	160	64	-	-	SYM
ajssms-473	160	65	4	4	NUM
ajssms-473	160	66	5	5	NUM
ajssms-473	160	67	-	-	SYM
ajssms-473	160	68	7	7	NUM
ajssms-473	160	69	8	8	NUM
ajssms-473	160	70	-	-	SYM
ajssms-473	160	71	10	10	NUM
ajssms-473	160	72	11	11	NUM
ajssms-473	160	73	&	&	CCONJ
ajssms-473	160	74	above	above	ADP
ajssms-473	160	75	total	total	ADJ
ajssms-473	160	76	non	non	ADJ
ajssms-473	160	77	-	-	ADJ
ajssms-473	160	78	formal	formal	ADJ
ajssms-473	160	79	education	education	NOUN
ajssms-473	160	80	primary	primary	ADJ
ajssms-473	160	81	education	education	NOUN
ajssms-473	160	82	secondary	secondary	ADJ
ajssms-473	160	83	school	school	NOUN
ajssms-473	160	84	tertiary	tertiary	ADJ
ajssms-473	160	85	institution	institution	NOUN
ajssms-473	160	86	total	total	NOUN
ajssms-473	160	87	below	below	ADP
ajssms-473	160	88	55000	55000	NUM
ajssms-473	160	89	56000	56000	NUM
ajssms-473	160	90	-	-	SYM
ajssms-473	160	91	100,000	100,000	NUM
ajssms-473	160	92	100001	100001	NUM
ajssms-473	160	93	-	-	SYM
ajssms-473	160	94	155000	155000	NUM
ajssms-473	160	95	156000	156000	NUM
ajssms-473	160	96	-	-	SYM
ajssms-473	160	97	200000	200000	NUM
ajssms-473	160	98	200001	200001	NUM
ajssms-473	160	99	&	&	CCONJ
ajssms-473	160	100	above	above	ADP
ajssms-473	160	101	total	total	ADJ
ajssms-473	160	102	0	0	NUM
ajssms-473	160	103	-	-	SYM
ajssms-473	160	104	2	2	NUM
ajssms-473	160	105	3	3	NUM
ajssms-473	160	106	-	-	SYM
ajssms-473	160	107	4	4	NUM
ajssms-473	160	108	5	5	NUM
ajssms-473	160	109	and	and	CCONJ
ajssms-473	160	110	above	above	ADP
ajssms-473	160	111	total	total	NOUN
ajssms-473	160	112	below	below	ADP
ajssms-473	160	113	500	500	NUM
ajssms-473	160	114	501	501	NUM
ajssms-473	160	115	-	-	SYM
ajssms-473	160	116	2000	2000	NUM
ajssms-473	160	117	2001	2001	NUM
ajssms-473	160	118	-	-	SYM
ajssms-473	160	119	3500	3500	NUM
ajssms-473	160	120	3501	3501	NUM
ajssms-473	160	121	-	-	SYM
ajssms-473	160	122	5000	5000	NUM
ajssms-473	160	123	above-5001	above-5001	NOUN
ajssms-473	160	124	total	total	NOUN
ajssms-473	160	125	26	26	NUM
ajssms-473	160	126	38	38	NUM
ajssms-473	160	127	31	31	NUM
ajssms-473	160	128	13	13	NUM
ajssms-473	160	129	108	108	NUM
ajssms-473	160	130	8	8	NUM
ajssms-473	160	131	32	32	NUM
ajssms-473	160	132	48	48	NUM
ajssms-473	160	133	20	20	NUM
ajssms-473	160	134	108	108	NUM
ajssms-473	160	135	2	2	NUM
ajssms-473	160	136	12	12	NUM
ajssms-473	160	137	18	18	NUM
ajssms-473	160	138	34	34	NUM
ajssms-473	160	139	42	42	NUM
ajssms-473	160	140	108	108	NUM
ajssms-473	160	141	48	48	NUM
ajssms-473	160	142	34	34	NUM
ajssms-473	160	143	26	26	NUM
ajssms-473	160	144	108	108	NUM
ajssms-473	160	145	16	16	NUM
ajssms-473	160	146	31	31	NUM
ajssms-473	160	147	24	24	NUM
ajssms-473	160	148	23	23	NUM
ajssms-473	160	149	14	14	NUM
ajssms-473	160	150	105	105	NUM
ajssms-473	160	151	24.07	24.07	NUM
ajssms-473	160	152	35.19	35.19	NUM
ajssms-473	160	153	28.70	28.70	NUM
ajssms-473	160	154	12.04	12.04	NUM
ajssms-473	160	155	100	100	NUM
ajssms-473	160	156	7.40	7.40	NUM
ajssms-473	160	157	%	%	NOUN
ajssms-473	160	158	29.63	29.63	NUM
ajssms-473	160	159	44.44	44.44	NUM
ajssms-473	160	160	18.51	18.51	NUM
ajssms-473	160	161	100	100	NUM
ajssms-473	160	162	1.85	1.85	NUM
ajssms-473	160	163	11.11	11.11	NUM
ajssms-473	160	164	16.67	16.67	NUM
ajssms-473	160	165	37.48	37.48	NUM
ajssms-473	160	166	38.89	38.89	NUM
ajssms-473	160	167	100	100	NUM
ajssms-473	160	168	44.44	44.44	NUM
ajssms-473	160	169	31.48	31.48	NUM
ajssms-473	160	170	24.07	24.07	NUM
ajssms-473	160	171	100	100	NUM
ajssms-473	160	172	14.81	14.81	NUM
ajssms-473	160	173	28.70	28.70	NUM
ajssms-473	160	174	22.22	22.22	NUM
ajssms-473	160	175	21.29	21.29	NUM
ajssms-473	160	176	12.96	12.96	NUM
ajssms-473	160	177	100	100	NUM
ajssms-473	160	178	11	11	NUM
ajssms-473	160	179	37	37	NUM
ajssms-473	160	180	35	35	NUM
ajssms-473	160	181	22	22	NUM
ajssms-473	160	182	105	105	NUM
ajssms-473	160	183	52	52	NUM
ajssms-473	160	184	34	34	NUM
ajssms-473	160	185	17	17	NUM
ajssms-473	160	186	2	2	NUM
ajssms-473	160	187	105	105	NUM
ajssms-473	160	188	12	12	NUM
ajssms-473	160	189	48	48	NUM
ajssms-473	160	190	20	20	NUM
ajssms-473	160	191	15	15	NUM
ajssms-473	160	192	10	10	NUM
ajssms-473	160	193	105	105	NUM
ajssms-473	160	194	29	29	NUM
ajssms-473	160	195	37	37	NUM
ajssms-473	160	196	39	39	NUM
ajssms-473	160	197	105	105	NUM
ajssms-473	160	198	no	no	DET
ajssms-473	160	199	monthly	monthly	ADJ
ajssms-473	160	200	savings	saving	NOUN
ajssms-473	160	201	10.48	10.48	NUM
ajssms-473	160	202	35.24	35.24	NUM
ajssms-473	160	203	33.33	33.33	NUM
ajssms-473	160	204	20.95	20.95	NUM
ajssms-473	160	205	1000	1000	NUM
ajssms-473	160	206	49.52	49.52	NUM
ajssms-473	160	207	32.38	32.38	NUM
ajssms-473	160	208	16.19	16.19	NUM
ajssms-473	160	209	1.90	1.90	NUM
ajssms-473	160	210	100	100	NUM
ajssms-473	160	211	11.43	11.43	NUM
ajssms-473	160	212	45.71	45.71	NUM
ajssms-473	160	213	19.5	19.5	NUM
ajssms-473	160	214	14.29	14.29	NUM
ajssms-473	160	215	9.52	9.52	NUM
ajssms-473	160	216	100	100	NUM
ajssms-473	160	217	27.62	27.62	NUM
ajssms-473	160	218	35.24	35.24	NUM
ajssms-473	160	219	37.14	37.14	NUM
ajssms-473	160	220	100	100	NUM
ajssms-473	160	221	no	no	DET
ajssms-473	160	222	percentage	percentage	NOUN
ajssms-473	160	223	.	.	PUNCT
ajssms-473	161	1	source	source	NOUN
ajssms-473	161	2	:	:	PUNCT
ajssms-473	161	3	field	field	NOUN
ajssms-473	161	4	survey	survey	NOUN
ajssms-473	161	5	,	,	PUNCT
ajssms-473	161	6	2014	2014	NUM
ajssms-473	161	7	.	.	PUNCT
ajssms-473	162	1	2.3	2.3	NUM
ajssms-473	162	2	.	.	PUNCT
ajssms-473	163	1	household	household	NOUN
ajssms-473	163	2	consumption	consumption	NOUN
ajssms-473	163	3	-	-	PUNCT
ajssms-473	163	4	expenditure	expenditure	NOUN
ajssms-473	163	5	/	/	SYM
ajssms-473	163	6	annum	annum	NOUN
ajssms-473	163	7	(	(	PUNCT
ajssms-473	163	8	n	n	CCONJ
ajssms-473	163	9	):	):	PUNCT
ajssms-473	163	10	the	the	DET
ajssms-473	163	11	result	result	NOUN
ajssms-473	163	12	of	of	ADP
ajssms-473	163	13	the	the	DET
ajssms-473	163	14	study	study	NOUN
ajssms-473	163	15	revealed	reveal	VERB
ajssms-473	163	16	that	that	SCONJ
ajssms-473	163	17	majority	majority	NOUN
ajssms-473	163	18	of	of	ADP
ajssms-473	163	19	the	the	DET
ajssms-473	163	20	members	member	NOUN
ajssms-473	163	21	of	of	ADP
ajssms-473	163	22	ifis	ifis	PROPN
ajssms-473	163	23	(	(	PUNCT
ajssms-473	163	24	38.89	38.89	NUM
ajssms-473	163	25	%	%	NOUN
ajssms-473	163	26	)	)	PUNCT
ajssms-473	163	27	had	have	AUX
ajssms-473	163	28	estimated	estimate	VERB
ajssms-473	163	29	annual	annual	ADJ
ajssms-473	163	30	consumption	consumption	NOUN
ajssms-473	163	31	expenditure	expenditure	NOUN
ajssms-473	163	32	of	of	ADP
ajssms-473	163	33	200001	200001	NUM
ajssms-473	163	34	and	and	CCONJ
ajssms-473	163	35	above	above	ADV
ajssms-473	163	36	,	,	PUNCT
ajssms-473	163	37	followed	follow	VERB
ajssms-473	163	38	by	by	ADP
ajssms-473	163	39	those	those	PRON
ajssms-473	163	40	with	with	ADP
ajssms-473	163	41	annual	annual	ADJ
ajssms-473	163	42	consumption	consumption	NOUN
ajssms-473	163	43	expenditure	expenditure	NOUN
ajssms-473	163	44	of	of	ADP
ajssms-473	163	45	n156000	n156000	PROPN
ajssms-473	163	46	-	-	PUNCT
ajssms-473	163	47	200000	200000	NUM
ajssms-473	163	48	constitution	constitution	NOUN
ajssms-473	163	49	31.48	31.48	NUM
ajssms-473	163	50	%	%	NOUN
ajssms-473	163	51	of	of	ADP
ajssms-473	163	52	the	the	DET
ajssms-473	163	53	respondent	respondent	NOUN
ajssms-473	163	54	while	while	SCONJ
ajssms-473	163	55	16.67	16.67	NUM
ajssms-473	163	56	%	%	NOUN
ajssms-473	163	57	,	,	PUNCT
ajssms-473	163	58	11.11	11.11	NUM
ajssms-473	163	59	%	%	NOUN
ajssms-473	163	60	and	and	CCONJ
ajssms-473	163	61	1.85	1.85	NUM
ajssms-473	163	62	%	%	NOUN
ajssms-473	163	63	representing	represent	VERB
ajssms-473	163	64	respondents	respondent	NOUN
ajssms-473	163	65	with	with	ADP
ajssms-473	163	66	estimated	estimate	VERB
ajssms-473	163	67	household	household	NOUN
ajssms-473	163	68	consumption	consumption	NOUN
ajssms-473	163	69	-	-	PUNCT
ajssms-473	163	70	expenditure	expenditure	NOUN
ajssms-473	163	71	of	of	ADP
ajssms-473	163	72	n101000	n101000	ADJ
ajssms-473	163	73	-	-	PUNCT
ajssms-473	163	74	155000	155000	NUM
ajssms-473	163	75	and	and	CCONJ
ajssms-473	163	76	below	below	ADP
ajssms-473	163	77	55000	55000	NUM
ajssms-473	163	78	naira	naira	NUM
ajssms-473	163	79	respectively	respectively	ADV
ajssms-473	163	80	.	.	PUNCT
ajssms-473	164	1	further	further	ADJ
ajssms-473	164	2	result	result	NOUN
ajssms-473	164	3	of	of	ADP
ajssms-473	164	4	the	the	DET
ajssms-473	164	5	analysis	analysis	NOUN
ajssms-473	164	6	indicated	indicate	VERB
ajssms-473	164	7	that	that	SCONJ
ajssms-473	164	8	majority	majority	NOUN
ajssms-473	164	9	of	of	ADP
ajssms-473	164	10	the	the	DET
ajssms-473	164	11	non	non	NOUN
ajssms-473	164	12	-	-	NOUN
ajssms-473	164	13	beneficiaries	beneficiary	NOUN
ajssms-473	164	14	of	of	ADP
ajssms-473	164	15	ifis	ifis	NOUN
ajssms-473	164	16	(	(	PUNCT
ajssms-473	164	17	45.71	45.71	NUM
ajssms-473	164	18	%	%	NOUN
ajssms-473	164	19	)	)	PUNCT
ajssms-473	164	20	in	in	ADP
ajssms-473	164	21	the	the	DET
ajssms-473	164	22	study	study	NOUN
ajssms-473	164	23	area	area	NOUN
ajssms-473	164	24	had	have	VERB
ajssms-473	164	25	a	a	DET
ajssms-473	164	26	lower	low	ADJ
ajssms-473	164	27	household	household	NOUN
ajssms-473	164	28	consumption	consumption	NOUN
ajssms-473	164	29	-	-	PUNCT
ajssms-473	164	30	expenditure	expenditure	NOUN
ajssms-473	164	31	of	of	ADP
ajssms-473	164	32	n56000	n56000	PROPN
ajssms-473	164	33	-	-	PUNCT
ajssms-473	164	34	100000	100000	NUM
ajssms-473	164	35	per	per	ADP
ajssms-473	164	36	annum	annum	NOUN
ajssms-473	164	37	.	.	PUNCT
ajssms-473	165	1	this	this	PRON
ajssms-473	165	2	followed	follow	VERB
ajssms-473	165	3	by	by	ADP
ajssms-473	165	4	19.05	19.05	NUM
ajssms-473	165	5	%	%	NOUN
ajssms-473	165	6	,	,	PUNCT
ajssms-473	165	7	14.29	14.29	NUM
ajssms-473	165	8	%	%	NOUN
ajssms-473	165	9	and	and	CCONJ
ajssms-473	165	10	9.52	9.52	NUM
ajssms-473	165	11	%	%	NOUN
ajssms-473	165	12	constituting	constitute	VERB
ajssms-473	165	13	respondents	respondent	NOUN
ajssms-473	165	14	with	with	ADP
ajssms-473	165	15	household	household	NOUN
ajssms-473	165	16	consumption	consumption	NOUN
ajssms-473	165	17	-	-	PUNCT
ajssms-473	165	18	expenditure	expenditure	NOUN
ajssms-473	165	19	of	of	ADP
ajssms-473	165	20	bellowed	bellow	VERB
ajssms-473	165	21	55000	55000	NUM
ajssms-473	165	22	.	.	PUNCT
ajssms-473	166	1	the	the	DET
ajssms-473	166	2	result	result	NOUN
ajssms-473	166	3	showed	show	VERB
ajssms-473	166	4	clearly	clearly	ADV
ajssms-473	166	5	that	that	SCONJ
ajssms-473	166	6	beneficiaries	beneficiary	NOUN
ajssms-473	166	7	of	of	ADP
ajssms-473	166	8	ifis	ifis	NOUN
ajssms-473	166	9	in	in	ADP
ajssms-473	166	10	the	the	DET
ajssms-473	166	11	study	study	NOUN
ajssms-473	166	12	area	area	NOUN
ajssms-473	166	13	had	have	VERB
ajssms-473	166	14	higher	high	ADJ
ajssms-473	166	15	household	household	NOUN
ajssms-473	166	16	consumption	consumption	NOUN
ajssms-473	166	17	-	-	PUNCT
ajssms-473	166	18	expenditure	expenditure	NOUN
ajssms-473	166	19	than	than	ADP
ajssms-473	166	20	those	those	PRON
ajssms-473	166	21	who	who	PRON
ajssms-473	166	22	were	be	AUX
ajssms-473	166	23	non	non	NOUN
ajssms-473	166	24	-	-	NOUN
ajssms-473	166	25	beneficiaries	beneficiary	NOUN
ajssms-473	166	26	of	of	ADP
ajssms-473	166	27	ifis	ifis	PROPN
ajssms-473	166	28	.	.	PUNCT
ajssms-473	167	1	this	this	PRON
ajssms-473	167	2	implies	imply	VERB
ajssms-473	167	3	that	that	SCONJ
ajssms-473	167	4	they	they	PRON
ajssms-473	167	5	are	be	AUX
ajssms-473	167	6	likely	likely	ADJ
ajssms-473	167	7	to	to	PART
ajssms-473	167	8	be	be	AUX
ajssms-473	167	9	better	well	ADJ
ajssms-473	167	10	off	off	ADP
ajssms-473	167	11	and	and	CCONJ
ajssms-473	167	12	less	less	ADV
ajssms-473	167	13	poor	poor	ADJ
ajssms-473	167	14	than	than	ADP
ajssms-473	167	15	non	non	NOUN
ajssms-473	167	16	-	-	NOUN
ajssms-473	167	17	beneficiaries	beneficiary	NOUN
ajssms-473	167	18	of	of	ADP
ajssms-473	167	19	informal	informal	ADJ
ajssms-473	167	20	financial	financial	ADJ
ajssms-473	167	21	institutions	institution	NOUN
ajssms-473	167	22	in	in	ADP
ajssms-473	167	23	the	the	DET
ajssms-473	167	24	study	study	NOUN
ajssms-473	167	25	area	area	NOUN
ajssms-473	167	26	.	.	PUNCT
ajssms-473	168	1	2.4	2.4	NUM
ajssms-473	168	2	.	.	PUNCT
ajssms-473	168	3	child	child	NOUN
ajssms-473	168	4	dependency	dependency	NOUN
ajssms-473	168	5	ratio	ratio	NOUN
ajssms-473	168	6	:	:	PUNCT
ajssms-473	168	7	the	the	DET
ajssms-473	168	8	study	study	NOUN
ajssms-473	168	9	revealed	reveal	VERB
ajssms-473	168	10	that	that	SCONJ
ajssms-473	168	11	about	about	ADV
ajssms-473	168	12	44.44	44.44	NUM
ajssms-473	168	13	%	%	NOUN
ajssms-473	168	14	of	of	ADP
ajssms-473	168	15	the	the	DET
ajssms-473	168	16	beneficiaries	beneficiary	NOUN
ajssms-473	168	17	of	of	ADP
ajssms-473	168	18	ifis	ifis	PROPN
ajssms-473	168	19	had	have	VERB
ajssms-473	168	20	0	0	NUM
ajssms-473	168	21	-	-	SYM
ajssms-473	168	22	2	2	NUM
ajssms-473	168	23	children	child	NOUN
ajssms-473	168	24	as	as	ADP
ajssms-473	168	25	dependents	dependent	NOUN
ajssms-473	168	26	.	.	PUNCT
ajssms-473	169	1	this	this	PRON
ajssms-473	169	2	followed	follow	VERB
ajssms-473	169	3	by	by	ADP
ajssms-473	169	4	31.48	31.48	NUM
ajssms-473	169	5	%	%	NOUN
ajssms-473	169	6	(	(	PUNCT
ajssms-473	169	7	3	3	NUM
ajssms-473	169	8	-	-	SYM
ajssms-473	169	9	4	4	NUM
ajssms-473	169	10	children	child	NOUN
ajssms-473	169	11	)	)	PUNCT
ajssms-473	169	12	and	and	CCONJ
ajssms-473	169	13	24.07	24.07	NUM
ajssms-473	169	14	%	%	NOUN
ajssms-473	169	15	representing	represent	VERB
ajssms-473	169	16	the	the	DET
ajssms-473	169	17	respondents	respondent	NOUN
ajssms-473	169	18	with	with	ADP
ajssms-473	169	19	high	high	ADJ
ajssms-473	169	20	child	child	NOUN
ajssms-473	169	21	dependency	dependency	NOUN
ajssms-473	169	22	ratio	ratio	NOUN
ajssms-473	169	23	of	of	ADP
ajssms-473	169	24	5	5	NUM
ajssms-473	169	25	children	child	NOUN
ajssms-473	169	26	and	and	CCONJ
ajssms-473	169	27	above	above	ADV
ajssms-473	169	28	.	.	PUNCT
ajssms-473	170	1	for	for	ADP
ajssms-473	170	2	the	the	DET
ajssms-473	170	3	household	household	NOUN
ajssms-473	170	4	made	make	VERB
ajssms-473	170	5	up	up	ADP
ajssms-473	170	6	of	of	ADP
ajssms-473	170	7	non	non	NOUN
ajssms-473	170	8	-	-	NOUN
ajssms-473	170	9	beneficiaries	beneficiary	NOUN
ajssms-473	170	10	of	of	ADP
ajssms-473	170	11	informal	informal	ADJ
ajssms-473	170	12	financial	financial	ADJ
ajssms-473	170	13	institutions	institution	NOUN
ajssms-473	170	14	,	,	PUNCT
ajssms-473	170	15	the	the	DET
ajssms-473	170	16	study	study	NOUN
ajssms-473	170	17	showed	show	VERB
ajssms-473	170	18	that	that	SCONJ
ajssms-473	170	19	37.14	37.14	NUM
ajssms-473	170	20	%	%	NOUN
ajssms-473	170	21	of	of	ADP
ajssms-473	170	22	the	the	DET
ajssms-473	170	23	respondents	respondent	NOUN
ajssms-473	170	24	had	have	VERB
ajssms-473	170	25	the	the	DET
ajssms-473	170	26	highest	high	ADJ
ajssms-473	170	27	child	child	NOUN
ajssms-473	170	28	dependency	dependency	NOUN
ajssms-473	170	29	ratio	ratio	NOUN
ajssms-473	170	30	of	of	ADP
ajssms-473	170	31	5	5	NUM
ajssms-473	170	32	children	child	NOUN
ajssms-473	170	33	and	and	CCONJ
ajssms-473	170	34	above	above	ADV
ajssms-473	170	35	.	.	PUNCT
ajssms-473	171	1	this	this	PRON
ajssms-473	171	2	was	be	AUX
ajssms-473	171	3	closely	closely	ADV
ajssms-473	171	4	followed	follow	VERB
ajssms-473	171	5	by	by	ADP
ajssms-473	171	6	those	those	PRON
ajssms-473	171	7	with	with	ADP
ajssms-473	171	8	3	3	NUM
ajssms-473	171	9	-	-	SYM
ajssms-473	171	10	4	4	NUM
ajssms-473	171	11	children	child	NOUN
ajssms-473	171	12	and	and	CCONJ
ajssms-473	171	13	1	1	NUM
ajssms-473	171	14	-	-	SYM
ajssms-473	171	15	2	2	NUM
ajssms-473	171	16	children	child	NOUN
ajssms-473	171	17	representing	represent	VERB
ajssms-473	171	18	35.24	35.24	NUM
ajssms-473	171	19	%	%	NOUN
ajssms-473	171	20	and	and	CCONJ
ajssms-473	171	21	27.62	27.62	NUM
ajssms-473	171	22	%	%	NOUN
ajssms-473	171	23	of	of	ADP
ajssms-473	171	24	the	the	DET
ajssms-473	171	25	respondents	respondent	NOUN
ajssms-473	171	26	respectively	respectively	ADV
ajssms-473	171	27	.	.	PUNCT
ajssms-473	172	1	2.5	2.5	NUM
ajssms-473	172	2	.	.	PUNCT
ajssms-473	173	1	average	average	ADJ
ajssms-473	173	2	monthly	monthly	ADJ
ajssms-473	173	3	savings	saving	NOUN
ajssms-473	173	4	:	:	PUNCT
ajssms-473	173	5	the	the	DET
ajssms-473	173	6	result	result	NOUN
ajssms-473	173	7	of	of	ADP
ajssms-473	173	8	the	the	DET
ajssms-473	173	9	study	study	NOUN
ajssms-473	173	10	revealed	reveal	VERB
ajssms-473	173	11	that	that	SCONJ
ajssms-473	173	12	28.70	28.70	NUM
ajssms-473	173	13	%	%	NOUN
ajssms-473	173	14	of	of	ADP
ajssms-473	173	15	the	the	DET
ajssms-473	173	16	respondents	respondent	NOUN
ajssms-473	173	17	contributed	contribute	VERB
ajssms-473	173	18	an	an	DET
ajssms-473	173	19	average	average	ADJ
ajssms-473	173	20	monthly	monthly	ADJ
ajssms-473	173	21	savings	saving	NOUN
ajssms-473	173	22	of	of	ADP
ajssms-473	173	23	(	(	PUNCT
ajssms-473	173	24	501	501	NUM
ajssms-473	173	25	-	-	NUM
ajssms-473	173	26	2000	2000	NUM
ajssms-473	173	27	)	)	PUNCT
ajssms-473	173	28	.	.	PUNCT
ajssms-473	174	1	this	this	PRON
ajssms-473	174	2	was	be	AUX
ajssms-473	174	3	followed	follow	VERB
ajssms-473	174	4	by	by	ADP
ajssms-473	174	5	members	member	NOUN
ajssms-473	174	6	who	who	PRON
ajssms-473	174	7	saved	save	VERB
ajssms-473	174	8	between	between	ADP
ajssms-473	174	9	n2001	n2001	NOUN
ajssms-473	174	10	-	-	PUNCT
ajssms-473	174	11	3500	3500	NUM
ajssms-473	174	12	,	,	PUNCT
ajssms-473	174	13	n35015000	n35015000	PROPN
ajssms-473	174	14	and	and	CCONJ
ajssms-473	174	15	above	above	ADP
ajssms-473	174	16	n5001	n5001	NOUN
ajssms-473	174	17	representing	represent	VERB
ajssms-473	174	18	22.24	22.24	NUM
ajssms-473	174	19	%	%	NOUN
ajssms-473	174	20	,	,	PUNCT
ajssms-473	174	21	21.29	21.29	NUM
ajssms-473	174	22	%	%	NOUN
ajssms-473	174	23	and	and	CCONJ
ajssms-473	174	24	12	12	NUM
ajssms-473	174	25	%	%	NOUN
ajssms-473	174	26	of	of	ADP
ajssms-473	174	27	the	the	DET
ajssms-473	174	28	respondent	respondent	NOUN
ajssms-473	174	29	respectively	respectively	ADV
ajssms-473	174	30	.	.	PUNCT
ajssms-473	175	1	the	the	DET
ajssms-473	175	2	analysis	analysis	NOUN
ajssms-473	175	3	further	far	ADV
ajssms-473	175	4	reveals	reveal	VERB
ajssms-473	175	5	that	that	SCONJ
ajssms-473	175	6	only	only	ADV
ajssms-473	175	7	14.8	14.8	NUM
ajssms-473	175	8	%	%	NOUN
ajssms-473	175	9	of	of	ADP
ajssms-473	175	10	the	the	DET
ajssms-473	175	11	respondents	respondent	NOUN
ajssms-473	175	12	had	have	VERB
ajssms-473	175	13	a	a	DET
ajssms-473	175	14	monthly	monthly	ADJ
ajssms-473	175	15	savings	saving	NOUN
ajssms-473	175	16	of	of	ADP
ajssms-473	175	17	500	500	NUM
ajssms-473	175	18	and	and	CCONJ
ajssms-473	175	19	below	below	ADV
ajssms-473	175	20	.	.	PUNCT
ajssms-473	176	1	table-3	table-3	NUM
ajssms-473	176	2	.	.	PUNCT
ajssms-473	177	1	poverty	poverty	NOUN
ajssms-473	177	2	incidence	incidence	NOUN
ajssms-473	177	3	,	,	PUNCT
ajssms-473	177	4	depth	depth	NOUN
ajssms-473	177	5	and	and	CCONJ
ajssms-473	177	6	severity	severity	NOUN
ajssms-473	177	7	among	among	ADP
ajssms-473	177	8	households	household	NOUN
ajssms-473	177	9	in	in	ADP
ajssms-473	177	10	konshisha	konshisha	PROPN
ajssms-473	177	11	local	local	ADJ
ajssms-473	177	12	government	government	NOUN
ajssms-473	177	13	of	of	ADP
ajssms-473	177	14	benue	benue	PROPN
ajssms-473	177	15	state	state	NOUN
ajssms-473	177	16	based	base	VERB
ajssms-473	177	17	on	on	ADP
ajssms-473	177	18	minimum	minimum	ADJ
ajssms-473	177	19	consumption	consumption	NOUN
ajssms-473	177	20	-	-	PUNCT
ajssms-473	177	21	expenditure	expenditure	NOUN
ajssms-473	177	22	of	of	ADP
ajssms-473	177	23	63875	63875	NUM
ajssms-473	177	24	naira	naira	NOUN
ajssms-473	177	25	per	per	ADP
ajssms-473	177	26	adult	adult	NOUN
ajssms-473	177	27	per	per	X
ajssms-473	177	28	annum	annum	NOUN
ajssms-473	177	29	.	.	PUNCT
ajssms-473	178	1	(	(	PUNCT
ajssms-473	178	2	poverty	poverty	NOUN
ajssms-473	178	3	line	line	NOUN
ajssms-473	178	4	)	)	PUNCT
ajssms-473	178	5	ifis	ifis	NOUN
ajssms-473	178	6	number	number	NOUN
ajssms-473	178	7	of	of	ADP
ajssms-473	178	8	poor	poor	ADJ
ajssms-473	178	9	people	people	NOUN
ajssms-473	178	10	incidence	incidence	NOUN
ajssms-473	178	11	of	of	ADP
ajssms-473	178	12	poverty	poverty	NOUN
ajssms-473	178	13	(	(	PUNCT
ajssms-473	178	14	p0	p0	NOUN
ajssms-473	178	15	)	)	PUNCT
ajssms-473	178	16	depth	depth	NOUN
ajssms-473	178	17	of	of	ADP
ajssms-473	178	18	poverty	poverty	NOUN
ajssms-473	178	19	(	(	PUNCT
ajssms-473	178	20	p1	p1	NOUN
ajssms-473	178	21	)	)	PUNCT
ajssms-473	178	22	severity	severity	NOUN
ajssms-473	178	23	of	of	ADP
ajssms-473	178	24	poverty	poverty	NOUN
ajssms-473	178	25	(	(	PUNCT
ajssms-473	178	26	p2	p2	NOUN
ajssms-473	178	27	)	)	PUNCT
ajssms-473	178	28	beneficiaries	beneficiary	NOUN
ajssms-473	178	29	of	of	ADP
ajssms-473	178	30	ifis	ifis	NOUN
ajssms-473	178	31	69	69	NUM
ajssms-473	178	32	63.39	63.39	NUM
ajssms-473	178	33	0.6371	0.6371	NUM
ajssms-473	178	34	0.6352	0.6352	NUM
ajssms-473	178	35	non	non	NOUN
ajssms-473	178	36	-	-	NOUN
ajssms-473	178	37	beneficiaries	beneficiary	NOUN
ajssms-473	178	38	of	of	ADP
ajssms-473	178	39	ifis	ifis	NOUN
ajssms-473	178	40	82	82	NUM
ajssms-473	178	41	78.09	78.09	NUM
ajssms-473	178	42	0.7881	0.7881	NUM
ajssms-473	178	43	0.7762	0.7762	NUM
ajssms-473	178	44	source	source	NOUN
ajssms-473	178	45	:	:	PUNCT
ajssms-473	178	46	field	field	NOUN
ajssms-473	178	47	survey	survey	NOUN
ajssms-473	178	48	,	,	PUNCT
ajssms-473	178	49	2014	2014	NUM
ajssms-473	178	50	.	.	PUNCT
ajssms-473	179	1	table3	table3	PROPN
ajssms-473	179	2	:	:	PUNCT
ajssms-473	179	3	shows	show	VERB
ajssms-473	179	4	the	the	DET
ajssms-473	179	5	poverty	poverty	NOUN
ajssms-473	179	6	incidence	incidence	NOUN
ajssms-473	179	7	(	(	PUNCT
ajssms-473	179	8	p0	p0	NOUN
ajssms-473	179	9	)	)	PUNCT
ajssms-473	179	10	,	,	PUNCT
ajssms-473	179	11	depth	depth	NOUN
ajssms-473	179	12	(	(	PUNCT
ajssms-473	179	13	p1	p1	NOUN
ajssms-473	179	14	)	)	PUNCT
ajssms-473	179	15	and	and	CCONJ
ajssms-473	179	16	severity	severity	NOUN
ajssms-473	179	17	poverty	poverty	NOUN
ajssms-473	179	18	(	(	PUNCT
ajssms-473	179	19	p2	p2	PROPN
ajssms-473	179	20	)	)	PUNCT
ajssms-473	179	21	of	of	ADP
ajssms-473	179	22	beneficiaries	beneficiary	NOUN
ajssms-473	179	23	and	and	CCONJ
ajssms-473	179	24	nonbeneficiaries	nonbeneficiarie	NOUN
ajssms-473	179	25	of	of	ADP
ajssms-473	179	26	ifis	ifis	NOUN
ajssms-473	179	27	in	in	ADP
ajssms-473	179	28	the	the	DET
ajssms-473	179	29	study	study	NOUN
ajssms-473	179	30	area	area	NOUN
ajssms-473	179	31	using	use	VERB
ajssms-473	179	32	foster	foster	NOUN
ajssms-473	179	33	-	-	PUNCT
ajssms-473	179	34	greer	greer	NOUN
ajssms-473	179	35	-	-	PUNCT
ajssms-473	179	36	thorbecke	thorbecke	NOUN
ajssms-473	179	37	(	(	PUNCT
ajssms-473	179	38	fgt	fgt	PROPN
ajssms-473	179	39	index	index	PROPN
ajssms-473	179	40	)	)	PUNCT
ajssms-473	179	41	as	as	SCONJ
ajssms-473	179	42	defined	define	VERB
ajssms-473	179	43	in	in	ADP
ajssms-473	179	44	the	the	DET
ajssms-473	179	45	methodology	methodology	NOUN
ajssms-473	179	46	.	.	PUNCT
ajssms-473	180	1	asian	asian	ADJ
ajssms-473	180	2	journal	journal	PROPN
ajssms-473	180	3	of	of	ADP
ajssms-473	180	4	social	social	ADJ
ajssms-473	180	5	sciences	sciences	PROPN
ajssms-473	180	6	and	and	CCONJ
ajssms-473	180	7	management	management	NOUN
ajssms-473	180	8	studies	study	NOUN
ajssms-473	180	9	,	,	PUNCT
ajssms-473	180	10	2016	2016	NUM
ajssms-473	180	11	,	,	PUNCT
ajssms-473	180	12	3(1	3(1	NUM
ajssms-473	180	13	):	):	PUNCT
ajssms-473	180	14	82	82	NUM
ajssms-473	180	15	-	-	SYM
ajssms-473	180	16	90	90	NUM
ajssms-473	180	17	88	88	NUM
ajssms-473	180	18	the	the	DET
ajssms-473	180	19	study	study	NOUN
ajssms-473	180	20	revealed	reveal	VERB
ajssms-473	180	21	that	that	SCONJ
ajssms-473	180	22	there	there	PRON
ajssms-473	180	23	was	be	VERB
ajssms-473	180	24	high	high	ADJ
ajssms-473	180	25	incidence	incidence	NOUN
ajssms-473	180	26	of	of	ADP
ajssms-473	180	27	poverty	poverty	NOUN
ajssms-473	180	28	in	in	ADP
ajssms-473	180	29	both	both	DET
ajssms-473	180	30	beneficiaries	beneficiary	NOUN
ajssms-473	180	31	of	of	ADP
ajssms-473	180	32	ifis	ifis	PROPN
ajssms-473	180	33	(	(	PUNCT
ajssms-473	180	34	63.89	63.89	NUM
ajssms-473	180	35	%	%	NOUN
ajssms-473	180	36	)	)	PUNCT
ajssms-473	180	37	and	and	CCONJ
ajssms-473	180	38	nonbeneficiaries	nonbeneficiarie	NOUN
ajssms-473	180	39	(	(	PUNCT
ajssms-473	180	40	78.0	78.0	NUM
ajssms-473	180	41	%	%	NOUN
ajssms-473	180	42	)	)	PUNCT
ajssms-473	180	43	.	.	PUNCT
ajssms-473	181	1	this	this	DET
ajssms-473	181	2	result	result	NOUN
ajssms-473	181	3	is	be	AUX
ajssms-473	181	4	in	in	ADP
ajssms-473	181	5	line	line	NOUN
ajssms-473	181	6	with	with	ADP
ajssms-473	181	7	the	the	DET
ajssms-473	181	8	findings	finding	NOUN
ajssms-473	181	9	of	of	ADP
ajssms-473	181	10	world	world	PROPN
ajssms-473	181	11	bank	bank	PROPN
ajssms-473	181	12	(	(	PUNCT
ajssms-473	181	13	1996	1996	NUM
ajssms-473	181	14	)	)	PUNCT
ajssms-473	181	15	that	that	SCONJ
ajssms-473	181	16	rural	rural	ADJ
ajssms-473	181	17	areas	area	NOUN
ajssms-473	181	18	in	in	ADP
ajssms-473	181	19	nigeria	nigeria	PROPN
ajssms-473	181	20	accounted	account	VERB
ajssms-473	181	21	for	for	ADP
ajssms-473	181	22	66	66	NUM
ajssms-473	181	23	%	%	NOUN
ajssms-473	181	24	of	of	ADP
ajssms-473	181	25	incidence	incidence	NOUN
ajssms-473	181	26	of	of	ADP
ajssms-473	181	27	poverty	poverty	NOUN
ajssms-473	181	28	,	,	PUNCT
ajssms-473	181	29	72	72	NUM
ajssms-473	181	30	%	%	NOUN
ajssms-473	181	31	of	of	ADP
ajssms-473	181	32	the	the	DET
ajssms-473	181	33	depth	depth	NOUN
ajssms-473	181	34	of	of	ADP
ajssms-473	181	35	poverty	poverty	NOUN
ajssms-473	181	36	and	and	CCONJ
ajssms-473	181	37	69	69	NUM
ajssms-473	181	38	%	%	NOUN
ajssms-473	181	39	of	of	ADP
ajssms-473	181	40	the	the	DET
ajssms-473	181	41	extreme	extreme	ADJ
ajssms-473	181	42	poor	poor	ADJ
ajssms-473	181	43	.	.	PUNCT
ajssms-473	182	1	however	however	ADV
ajssms-473	182	2	,	,	PUNCT
ajssms-473	182	3	non	non	NOUN
ajssms-473	182	4	-	-	NOUN
ajssms-473	182	5	beneficiaries	beneficiary	NOUN
ajssms-473	182	6	of	of	ADP
ajssms-473	182	7	ifis	ifis	NOUN
ajssms-473	182	8	in	in	ADP
ajssms-473	182	9	the	the	DET
ajssms-473	182	10	study	study	NOUN
ajssms-473	182	11	area	area	NOUN
ajssms-473	182	12	had	have	VERB
ajssms-473	182	13	a	a	DET
ajssms-473	182	14	deeper	deep	ADJ
ajssms-473	182	15	poverty	poverty	NOUN
ajssms-473	182	16	depth	depth	NOUN
ajssms-473	182	17	of	of	ADP
ajssms-473	182	18	0.788	0.788	NUM
ajssms-473	182	19	%	%	NOUN
ajssms-473	182	20	than	than	ADP
ajssms-473	182	21	beneficiaries	beneficiary	NOUN
ajssms-473	182	22	of	of	ADP
ajssms-473	182	23	ifis	ifis	NOUN
ajssms-473	182	24	with	with	ADP
ajssms-473	182	25	poverty	poverty	NOUN
ajssms-473	182	26	depth	depth	NOUN
ajssms-473	182	27	of	of	ADP
ajssms-473	182	28	0.6371	0.6371	NUM
ajssms-473	182	29	.	.	PUNCT
ajssms-473	183	1	the	the	DET
ajssms-473	183	2	severity	severity	NOUN
ajssms-473	183	3	of	of	ADP
ajssms-473	183	4	poverty	poverty	NOUN
ajssms-473	183	5	was	be	AUX
ajssms-473	183	6	also	also	ADV
ajssms-473	183	7	found	find	VERB
ajssms-473	183	8	to	to	PART
ajssms-473	183	9	be	be	AUX
ajssms-473	183	10	higher	high	ADJ
ajssms-473	183	11	among	among	ADP
ajssms-473	183	12	non	non	NOUN
ajssms-473	183	13	-	-	NOUN
ajssms-473	183	14	beneficiaries	beneficiary	NOUN
ajssms-473	183	15	of	of	ADP
ajssms-473	183	16	ifis	ifis	NOUN
ajssms-473	183	17	(	(	PUNCT
ajssms-473	183	18	0.7762	0.7762	NUM
ajssms-473	183	19	)	)	PUNCT
ajssms-473	183	20	than	than	ADP
ajssms-473	183	21	in	in	ADP
ajssms-473	183	22	beneficiaries	beneficiary	NOUN
ajssms-473	183	23	of	of	ADP
ajssms-473	183	24	ifis	ifis	PROPN
ajssms-473	183	25	(	(	PUNCT
ajssms-473	183	26	0.6352	0.6352	NUM
ajssms-473	183	27	)	)	PUNCT
ajssms-473	183	28	.	.	PUNCT
ajssms-473	184	1	the	the	DET
ajssms-473	184	2	study	study	NOUN
ajssms-473	184	3	also	also	ADV
ajssms-473	184	4	showed	show	VERB
ajssms-473	184	5	clearly	clearly	ADV
ajssms-473	184	6	that	that	SCONJ
ajssms-473	184	7	the	the	DET
ajssms-473	184	8	incidence	incidence	NOUN
ajssms-473	184	9	of	of	ADP
ajssms-473	184	10	poverty	poverty	NOUN
ajssms-473	184	11	was	be	AUX
ajssms-473	184	12	higher	high	ADJ
ajssms-473	184	13	among	among	ADP
ajssms-473	184	14	non	non	NOUN
ajssms-473	184	15	-	-	NOUN
ajssms-473	184	16	beneficiaries	beneficiary	NOUN
ajssms-473	184	17	of	of	ADP
ajssms-473	184	18	ifis	ifis	NOUN
ajssms-473	184	19	than	than	ADP
ajssms-473	184	20	those	those	PRON
ajssms-473	184	21	who	who	PRON
ajssms-473	184	22	engaged	engage	VERB
ajssms-473	184	23	in	in	ADP
ajssms-473	184	24	savings	saving	NOUN
ajssms-473	184	25	with	with	ADP
ajssms-473	184	26	ifis	ifis	PROPN
ajssms-473	184	27	.	.	PUNCT
ajssms-473	185	1	the	the	DET
ajssms-473	185	2	higher	high	ADJ
ajssms-473	185	3	incidence	incidence	NOUN
ajssms-473	185	4	(	(	PUNCT
ajssms-473	185	5	po	po	NOUN
ajssms-473	185	6	)	)	PUNCT
ajssms-473	185	7	,	,	PUNCT
ajssms-473	185	8	depth	depth	NOUN
ajssms-473	185	9	(	(	PUNCT
ajssms-473	185	10	p1	p1	NOUN
ajssms-473	185	11	)	)	PUNCT
ajssms-473	185	12	and	and	CCONJ
ajssms-473	185	13	severity	severity	NOUN
ajssms-473	185	14	of	of	ADP
ajssms-473	185	15	poverty	poverty	NOUN
ajssms-473	185	16	among	among	ADP
ajssms-473	185	17	non	non	NOUN
ajssms-473	185	18	-	-	NOUN
ajssms-473	185	19	beneficiaries	beneficiary	NOUN
ajssms-473	185	20	of	of	ADP
ajssms-473	185	21	ifis	ifis	PROPN
ajssms-473	185	22	implies	imply	VERB
ajssms-473	185	23	that	that	SCONJ
ajssms-473	185	24	they	they	PRON
ajssms-473	185	25	are	be	AUX
ajssms-473	185	26	worse	bad	ADJ
ajssms-473	185	27	off	off	ADP
ajssms-473	185	28	in	in	ADP
ajssms-473	185	29	terms	term	NOUN
ajssms-473	185	30	of	of	ADP
ajssms-473	185	31	welfare	welfare	NOUN
ajssms-473	185	32	(	(	PUNCT
ajssms-473	185	33	standard	standard	NOUN
ajssms-473	185	34	of	of	ADP
ajssms-473	185	35	living	living	NOUN
ajssms-473	185	36	)	)	PUNCT
ajssms-473	185	37	than	than	ADP
ajssms-473	185	38	those	those	PRON
ajssms-473	185	39	who	who	PRON
ajssms-473	185	40	are	be	AUX
ajssms-473	185	41	members	member	NOUN
ajssms-473	185	42	of	of	ADP
ajssms-473	185	43	ifis	ifis	NOUN
ajssms-473	185	44	in	in	ADP
ajssms-473	185	45	the	the	DET
ajssms-473	185	46	study	study	NOUN
ajssms-473	185	47	area	area	NOUN
ajssms-473	185	48	.	.	PUNCT
ajssms-473	186	1	this	this	PRON
ajssms-473	186	2	means	mean	VERB
ajssms-473	186	3	that	that	SCONJ
ajssms-473	186	4	informal	informal	ADJ
ajssms-473	186	5	financial	financial	ADJ
ajssms-473	186	6	institutions	institution	NOUN
ajssms-473	186	7	existing	exist	VERB
ajssms-473	186	8	in	in	ADP
ajssms-473	186	9	konshisha	konshisha	PROPN
ajssms-473	186	10	local	local	ADJ
ajssms-473	186	11	government	government	NOUN
ajssms-473	186	12	area	area	NOUN
ajssms-473	186	13	have	have	AUX
ajssms-473	186	14	helped	help	VERB
ajssms-473	186	15	its	its	PRON
ajssms-473	186	16	beneficiaries	beneficiary	NOUN
ajssms-473	186	17	to	to	PART
ajssms-473	186	18	reduce	reduce	VERB
ajssms-473	186	19	their	their	PRON
ajssms-473	186	20	poverty	poverty	NOUN
ajssms-473	186	21	level	level	NOUN
ajssms-473	186	22	.	.	PUNCT
ajssms-473	187	1	table-4	table-4	X
ajssms-473	187	2	.	.	PUNCT
ajssms-473	188	1	summary	summary	NOUN
ajssms-473	188	2	of	of	ADP
ajssms-473	188	3	regression	regression	NOUN
ajssms-473	188	4	analysis	analysis	NOUN
ajssms-473	188	5	for	for	ADP
ajssms-473	188	6	determinants	determinant	NOUN
ajssms-473	188	7	of	of	ADP
ajssms-473	188	8	poverty	poverty	NOUN
ajssms-473	188	9	status	status	NOUN
ajssms-473	188	10	for	for	ADP
ajssms-473	188	11	beneficiaries	beneficiary	NOUN
ajssms-473	188	12	and	and	CCONJ
ajssms-473	188	13	non	non	NOUN
ajssms-473	188	14	-	-	NOUN
ajssms-473	188	15	beneficiaries	beneficiary	NOUN
ajssms-473	188	16	of	of	ADP
ajssms-473	188	17	informal	informal	ADJ
ajssms-473	188	18	financial	financial	ADJ
ajssms-473	188	19	institutions	institution	NOUN
ajssms-473	188	20	.	.	PUNCT
ajssms-473	189	1	variables	variable	NOUN
ajssms-473	189	2	beneficiaries	beneficiary	NOUN
ajssms-473	189	3	of	of	ADP
ajssms-473	189	4	ifis	ifis	PROPN
ajssms-473	189	5	coefficient	coefficient	NOUN
ajssms-473	189	6	(	(	PUNCT
ajssms-473	189	7	b	b	NOUN
ajssms-473	189	8	)	)	PUNCT
ajssms-473	189	9	&	&	CCONJ
ajssms-473	189	10	t	t	PROPN
ajssms-473	189	11	-	-	PUNCT
ajssms-473	189	12	test	test	NOUN
ajssms-473	189	13	values	value	NOUN
ajssms-473	189	14	non	non	NOUN
ajssms-473	189	15	-	-	NOUN
ajssms-473	189	16	beneficiaries	beneficiary	NOUN
ajssms-473	189	17	of	of	ADP
ajssms-473	189	18	ifis	ifis	PROPN
ajssms-473	189	19	coefficient	coefficient	NOUN
ajssms-473	189	20	(	(	PUNCT
ajssms-473	189	21	b	b	NOUN
ajssms-473	189	22	)	)	PUNCT
ajssms-473	189	23	and	and	CCONJ
ajssms-473	189	24	t	t	PROPN
ajssms-473	189	25	-	-	PUNCT
ajssms-473	189	26	test	test	NOUN
ajssms-473	189	27	values	value	NOUN
ajssms-473	189	28	sex	sex	NOUN
ajssms-473	189	29	age	age	NOUN
ajssms-473	189	30	hs	hs	PROPN
ajssms-473	189	31	ms	ms	PROPN
ajssms-473	189	32	edu	edu	PROPN
ajssms-473	189	33	cdr	cdr	PROPN
ajssms-473	189	34	avs	avs	PROPN
ajssms-473	189	35	constant	constant	ADJ
ajssms-473	189	36	-0939	-0939	PROPN
ajssms-473	189	37	(	(	PUNCT
ajssms-473	189	38	0.636	0.636	NUM
ajssms-473	189	39	)	)	PUNCT
ajssms-473	189	40	-0.033	-0.033	NUM
ajssms-473	189	41	(	(	PUNCT
ajssms-473	189	42	0.445	0.445	NUM
ajssms-473	189	43	)	)	PUNCT
ajssms-473	189	44	1.847	1.847	NUM
ajssms-473	189	45	*	*	SYM
ajssms-473	189	46	(	(	PUNCT
ajssms-473	189	47	10.373	10.373	NUM
ajssms-473	189	48	)	)	PUNCT
ajssms-473	189	49	2.561	2.561	NUM
ajssms-473	189	50	(	(	PUNCT
ajssms-473	189	51	3.138	3.138	NUM
ajssms-473	189	52	)	)	PUNCT
ajssms-473	189	53	0.400	0.400	NUM
ajssms-473	189	54	*	*	SYM
ajssms-473	189	55	(	(	PUNCT
ajssms-473	189	56	3.226	3.226	NUM
ajssms-473	189	57	)	)	PUNCT
ajssms-473	189	58	1.020	1.020	NUM
ajssms-473	189	59	(	(	PUNCT
ajssms-473	189	60	3.226	3.226	NUM
ajssms-473	189	61	)	)	PUNCT
ajssms-473	189	62	0.002	0.002	NUM
ajssms-473	189	63	*	*	PUNCT
ajssms-473	189	64	(	(	PUNCT
ajssms-473	189	65	8.694	8.694	NUM
ajssms-473	189	66	)	)	PUNCT
ajssms-473	189	67	7.159	7.159	NUM
ajssms-473	189	68	(	(	PUNCT
ajssms-473	189	69	2.742	2.742	NUM
ajssms-473	189	70	)	)	PUNCT
ajssms-473	189	71	0.419	0.419	NUM
ajssms-473	189	72	(	(	PUNCT
ajssms-473	189	73	0.278	0.278	NUM
ajssms-473	189	74	)	)	PUNCT
ajssms-473	189	75	-0.24	-0.24	NOUN
ajssms-473	189	76	(	(	PUNCT
ajssms-473	189	77	0.195	0.195	NUM
ajssms-473	189	78	)	)	PUNCT
ajssms-473	189	79	-1.020	-1.020	NOUN
ajssms-473	189	80	*	*	PUNCT
ajssms-473	189	81	(	(	PUNCT
ajssms-473	189	82	13.103	13.103	NUM
ajssms-473	189	83	)	)	PUNCT
ajssms-473	189	84	-1.611	-1.611	NOUN
ajssms-473	189	85	(	(	PUNCT
ajssms-473	189	86	2.013	2.013	NUM
ajssms-473	189	87	)	)	PUNCT
ajssms-473	189	88	0.060	0.060	NUM
ajssms-473	189	89	(	(	PUNCT
ajssms-473	189	90	0.619	0.619	NUM
ajssms-473	189	91	)	)	PUNCT
ajssms-473	189	92	-0.311	-0.311	NOUN
ajssms-473	189	93	(	(	PUNCT
ajssms-473	189	94	1.105	1.105	NUM
ajssms-473	189	95	)	)	PUNCT
ajssms-473	189	96	0.000	0.000	NUM
ajssms-473	189	97	*	*	PUNCT
ajssms-473	189	98	(	(	PUNCT
ajssms-473	189	99	5.108	5.108	NUM
ajssms-473	189	100	)	)	PUNCT
ajssms-473	189	101	7.203	7.203	NUM
ajssms-473	189	102	(	(	PUNCT
ajssms-473	189	103	5.338	5.338	NUM
ajssms-473	189	104	)	)	PUNCT
ajssms-473	189	105	r	r	NOUN
ajssms-473	189	106	2	2	NUM
ajssms-473	189	107	adjust	adjust	NOUN
ajssms-473	189	108	r	r	NOUN
ajssms-473	189	109	2	2	NUM
ajssms-473	189	110	0.54.50	0.54.50	PROPN
ajssms-473	189	111	0.52.01	0.52.01	PRON
ajssms-473	189	112	source	source	NOUN
ajssms-473	189	113	:	:	PUNCT
ajssms-473	189	114	data	datum	NOUN
ajssms-473	189	115	analysis	analysis	NOUN
ajssms-473	189	116	,	,	PUNCT
ajssms-473	189	117	2014	2014	NUM
ajssms-473	189	118	.	.	PUNCT
ajssms-473	190	1	values	value	NOUN
ajssms-473	190	2	in	in	ADP
ajssms-473	190	3	parenthesis	parenthesis	NOUN
ajssms-473	190	4	represent	represent	VERB
ajssms-473	190	5	t	t	NOUN
ajssms-473	190	6	-	-	PUNCT
ajssms-473	190	7	test	test	NOUN
ajssms-473	190	8	at	at	ADP
ajssms-473	190	9	5	5	NUM
ajssms-473	190	10	%	%	NOUN
ajssms-473	190	11	level	level	NOUN
ajssms-473	190	12	of	of	ADP
ajssms-473	190	13	significant	significant	ADJ
ajssms-473	190	14	,	,	PUNCT
ajssms-473	190	15	while	while	SCONJ
ajssms-473	190	16	the	the	DET
ajssms-473	190	17	single	single	ADJ
ajssms-473	190	18	asterisks	asterisk	NOUN
ajssms-473	190	19	(	(	PUNCT
ajssms-473	190	20	*	*	PUNCT
ajssms-473	190	21	)	)	PUNCT
ajssms-473	190	22	indicate	indicate	VERB
ajssms-473	190	23	values	value	NOUN
ajssms-473	190	24	that	that	PRON
ajssms-473	190	25	are	be	AUX
ajssms-473	190	26	significant	significant	ADJ
ajssms-473	190	27	at	at	ADP
ajssms-473	190	28	same	same	ADJ
ajssms-473	190	29	level	level	NOUN
ajssms-473	190	30	.	.	PUNCT
ajssms-473	191	1	a	a	DET
ajssms-473	191	2	general	general	ADJ
ajssms-473	191	3	look	look	NOUN
ajssms-473	191	4	at	at	ADP
ajssms-473	191	5	the	the	DET
ajssms-473	191	6	model	model	NOUN
ajssms-473	191	7	shows	show	VERB
ajssms-473	191	8	that	that	SCONJ
ajssms-473	191	9	it	it	PRON
ajssms-473	191	10	has	have	VERB
ajssms-473	191	11	an	an	DET
ajssms-473	191	12	r	r	NOUN
ajssms-473	191	13	2	2	NUM
ajssms-473	191	14	of	of	ADP
ajssms-473	191	15	0.54	0.54	NUM
ajssms-473	191	16	.	.	PUNCT
ajssms-473	192	1	this	this	PRON
ajssms-473	192	2	shows	show	VERB
ajssms-473	192	3	that	that	SCONJ
ajssms-473	192	4	54	54	NUM
ajssms-473	192	5	%	%	NOUN
ajssms-473	192	6	variation	variation	NOUN
ajssms-473	192	7	in	in	ADP
ajssms-473	192	8	the	the	DET
ajssms-473	192	9	dependent	dependent	ADJ
ajssms-473	192	10	variable	variable	NOUN
ajssms-473	192	11	(	(	PUNCT
ajssms-473	192	12	poverty	poverty	NOUN
ajssms-473	192	13	status	status	NOUN
ajssms-473	192	14	of	of	ADP
ajssms-473	192	15	the	the	DET
ajssms-473	192	16	respondents	respondent	NOUN
ajssms-473	192	17	)	)	PUNCT
ajssms-473	192	18	is	be	AUX
ajssms-473	192	19	explained	explain	VERB
ajssms-473	192	20	by	by	ADP
ajssms-473	192	21	the	the	DET
ajssms-473	192	22	explanatory	explanatory	ADJ
ajssms-473	192	23	variables	variable	NOUN
ajssms-473	192	24	(	(	PUNCT
ajssms-473	192	25	socio	socio	NOUN
ajssms-473	192	26	-	-	PUNCT
ajssms-473	192	27	economic	economic	ADJ
ajssms-473	192	28	attributes	attribute	NOUN
ajssms-473	192	29	of	of	ADP
ajssms-473	192	30	the	the	DET
ajssms-473	192	31	respondents	respondent	NOUN
ajssms-473	192	32	)	)	PUNCT
ajssms-473	192	33	in	in	ADP
ajssms-473	192	34	the	the	DET
ajssms-473	192	35	model	model	NOUN
ajssms-473	192	36	while	while	SCONJ
ajssms-473	192	37	the	the	DET
ajssms-473	192	38	error	error	NOUN
ajssms-473	192	39	term	term	NOUN
ajssms-473	192	40	takes	take	VERB
ajssms-473	192	41	care	care	NOUN
ajssms-473	192	42	of	of	ADP
ajssms-473	192	43	the	the	DET
ajssms-473	192	44	remaining	remain	VERB
ajssms-473	192	45	46	46	NUM
ajssms-473	192	46	%	%	NOUN
ajssms-473	192	47	which	which	PRON
ajssms-473	192	48	are	be	AUX
ajssms-473	192	49	variables	variable	NOUN
ajssms-473	192	50	in	in	ADP
ajssms-473	192	51	the	the	DET
ajssms-473	192	52	study	study	NOUN
ajssms-473	192	53	that	that	PRON
ajssms-473	192	54	can	can	AUX
ajssms-473	192	55	not	not	PART
ajssms-473	192	56	be	be	AUX
ajssms-473	192	57	included	include	VERB
ajssms-473	192	58	in	in	ADP
ajssms-473	192	59	the	the	DET
ajssms-473	192	60	model	model	NOUN
ajssms-473	192	61	because	because	SCONJ
ajssms-473	192	62	of	of	ADP
ajssms-473	192	63	certain	certain	ADJ
ajssms-473	192	64	qualitative	qualitative	ADJ
ajssms-473	192	65	features	feature	NOUN
ajssms-473	192	66	.	.	PUNCT
ajssms-473	193	1	details	detail	NOUN
ajssms-473	193	2	of	of	ADP
ajssms-473	193	3	the	the	DET
ajssms-473	193	4	analysis	analysis	NOUN
ajssms-473	193	5	showed	show	VERB
ajssms-473	193	6	that	that	SCONJ
ajssms-473	193	7	two	two	NUM
ajssms-473	193	8	of	of	ADP
ajssms-473	193	9	the	the	DET
ajssms-473	193	10	variables	variable	NOUN
ajssms-473	193	11	regressed	regress	VERB
ajssms-473	193	12	namely	namely	ADV
ajssms-473	193	13	;	;	PUNCT
ajssms-473	193	14	education	education	NOUN
ajssms-473	193	15	(	(	PUNCT
ajssms-473	193	16	0.400	0.400	NUM
ajssms-473	193	17	and	and	CCONJ
ajssms-473	193	18	0.060	0.060	NUM
ajssms-473	193	19	)	)	PUNCT
ajssms-473	193	20	and	and	CCONJ
ajssms-473	193	21	average	average	ADJ
ajssms-473	193	22	monthly	monthly	ADJ
ajssms-473	193	23	savings	saving	NOUN
ajssms-473	193	24	(	(	PUNCT
ajssms-473	193	25	0.002	0.002	NUM
ajssms-473	193	26	)	)	PUNCT
ajssms-473	193	27	and	and	CCONJ
ajssms-473	193	28	0.000	0.000	NUM
ajssms-473	193	29	)	)	PUNCT
ajssms-473	193	30	were	be	AUX
ajssms-473	193	31	estimated	estimate	VERB
ajssms-473	193	32	positive	positive	ADJ
ajssms-473	193	33	both	both	PRON
ajssms-473	193	34	in	in	ADP
ajssms-473	193	35	beneficiaries	beneficiary	NOUN
ajssms-473	193	36	and	and	CCONJ
ajssms-473	193	37	non	non	NOUN
ajssms-473	193	38	-	-	NOUN
ajssms-473	193	39	beneficiaries	beneficiary	NOUN
ajssms-473	193	40	of	of	ADP
ajssms-473	193	41	ifis	ifis	NOUN
ajssms-473	193	42	as	as	ADP
ajssms-473	193	43	respectively	respectively	ADV
ajssms-473	193	44	shown	show	VERB
ajssms-473	193	45	in	in	ADP
ajssms-473	193	46	the	the	DET
ajssms-473	193	47	parentheses	parenthesis	NOUN
ajssms-473	193	48	above	above	ADV
ajssms-473	193	49	.	.	PUNCT
ajssms-473	194	1	the	the	DET
ajssms-473	194	2	result	result	NOUN
ajssms-473	194	3	also	also	ADV
ajssms-473	194	4	revealed	reveal	VERB
ajssms-473	194	5	that	that	SCONJ
ajssms-473	194	6	three	three	NUM
ajssms-473	194	7	of	of	ADP
ajssms-473	194	8	the	the	DET
ajssms-473	194	9	exogenous	exogenous	ADJ
ajssms-473	194	10	variables	variable	NOUN
ajssms-473	194	11	regressed	regress	VERB
ajssms-473	194	12	estimated	estimate	VERB
ajssms-473	194	13	negative	negative	ADJ
ajssms-473	194	14	both	both	CCONJ
ajssms-473	194	15	in	in	ADP
ajssms-473	194	16	beneficiaries	beneficiary	NOUN
ajssms-473	194	17	of	of	ADP
ajssms-473	194	18	ifis	ifis	NOUN
ajssms-473	194	19	and	and	CCONJ
ajssms-473	194	20	non	non	NOUN
ajssms-473	194	21	-	-	NOUN
ajssms-473	194	22	beneficiaries	beneficiary	NOUN
ajssms-473	194	23	of	of	ADP
ajssms-473	194	24	ifis	ifis	PROPN
ajssms-473	194	25	.	.	PUNCT
ajssms-473	195	1	these	these	PRON
ajssms-473	195	2	include	include	VERB
ajssms-473	195	3	;	;	PUNCT
ajssms-473	195	4	child	child	NOUN
ajssms-473	195	5	dependency	dependency	NOUN
ajssms-473	195	6	ratio	ratio	NOUN
ajssms-473	195	7	(	(	PUNCT
ajssms-473	195	8	-020	-020	NOUN
ajssms-473	195	9	and	and	CCONJ
ajssms-473	195	10	-0.311	-0.311	NUM
ajssms-473	195	11	)	)	PUNCT
ajssms-473	195	12	,	,	PUNCT
ajssms-473	195	13	household	household	NOUN
ajssms-473	195	14	size	size	NOUN
ajssms-473	195	15	(	(	PUNCT
ajssms-473	195	16	-1.847	-1.847	NOUN
ajssms-473	195	17	and	and	CCONJ
ajssms-473	195	18	-1.020	-1.020	PROPN
ajssms-473	195	19	)	)	PUNCT
ajssms-473	195	20	and	and	CCONJ
ajssms-473	195	21	age	age	NOUN
ajssms-473	195	22	(	(	PUNCT
ajssms-473	195	23	-0.033	-0.033	NUM
ajssms-473	195	24	and	and	CCONJ
ajssms-473	195	25	-0.24	-0.24	NOUN
ajssms-473	195	26	)	)	PUNCT
ajssms-473	195	27	respectively	respectively	ADV
ajssms-473	195	28	(	(	PUNCT
ajssms-473	195	29	0.419	0.419	NUM
ajssms-473	195	30	)	)	PUNCT
ajssms-473	195	31	among	among	ADP
ajssms-473	195	32	the	the	DET
ajssms-473	195	33	non	non	NOUN
ajssms-473	195	34	-	-	NOUN
ajssms-473	195	35	beneficiaries	beneficiary	NOUN
ajssms-473	195	36	of	of	ADP
ajssms-473	195	37	ifis	ifis	NOUN
ajssms-473	195	38	but	but	CCONJ
ajssms-473	195	39	was	be	AUX
ajssms-473	195	40	negative	negative	ADJ
ajssms-473	195	41	in	in	ADP
ajssms-473	195	42	(	(	PUNCT
ajssms-473	195	43	-0.939	-0.939	NOUN
ajssms-473	195	44	)	)	PUNCT
ajssms-473	195	45	beneficiaries	beneficiary	NOUN
ajssms-473	195	46	of	of	ADP
ajssms-473	195	47	ifis	ifis	PROPN
ajssms-473	195	48	,	,	PUNCT
ajssms-473	195	49	while	while	SCONJ
ajssms-473	195	50	marital	marital	ADJ
ajssms-473	195	51	status	status	NOUN
ajssms-473	195	52	was	be	AUX
ajssms-473	195	53	found	find	VERB
ajssms-473	195	54	to	to	PART
ajssms-473	195	55	have	have	VERB
ajssms-473	195	56	positive	positive	ADJ
ajssms-473	195	57	coefficient	coefficient	NOUN
ajssms-473	195	58	(	(	PUNCT
ajssms-473	195	59	2.561	2.561	NUM
ajssms-473	195	60	)	)	PUNCT
ajssms-473	195	61	in	in	ADP
ajssms-473	195	62	beneficiaries	beneficiary	NOUN
ajssms-473	195	63	of	of	ADP
ajssms-473	195	64	ifis	ifis	NOUN
ajssms-473	195	65	but	but	CCONJ
ajssms-473	195	66	was	be	AUX
ajssms-473	195	67	negative	negative	ADJ
ajssms-473	195	68	(	(	PUNCT
ajssms-473	195	69	-1.611	-1.611	NUM
ajssms-473	195	70	)	)	PUNCT
ajssms-473	195	71	among	among	ADP
ajssms-473	195	72	the	the	DET
ajssms-473	195	73	nonbeneficiaries	nonbeneficiarie	NOUN
ajssms-473	195	74	of	of	ADP
ajssms-473	195	75	ifis	ifis	PROPN
ajssms-473	195	76	.	.	PUNCT
ajssms-473	196	1	the	the	DET
ajssms-473	196	2	positive	positive	ADJ
ajssms-473	196	3	values	value	NOUN
ajssms-473	196	4	of	of	ADP
ajssms-473	196	5	the	the	DET
ajssms-473	196	6	coefficient	coefficient	NOUN
ajssms-473	196	7	of	of	ADP
ajssms-473	196	8	variables	variable	NOUN
ajssms-473	196	9	in	in	ADP
ajssms-473	196	10	both	both	PRON
ajssms-473	196	11	beneficiaries	beneficiary	NOUN
ajssms-473	196	12	and	and	CCONJ
ajssms-473	196	13	non	non	NOUN
ajssms-473	196	14	-	-	NOUN
ajssms-473	196	15	beneficiaries	beneficiary	NOUN
ajssms-473	196	16	of	of	ADP
ajssms-473	196	17	informal	informal	ADJ
ajssms-473	196	18	financial	financial	ADJ
ajssms-473	196	19	institutions	institution	NOUN
ajssms-473	196	20	shows	show	VERB
ajssms-473	196	21	that	that	SCONJ
ajssms-473	196	22	higher	high	ADJ
ajssms-473	196	23	values	value	NOUN
ajssms-473	196	24	of	of	ADP
ajssms-473	196	25	these	these	DET
ajssms-473	196	26	variables	variable	NOUN
ajssms-473	196	27	tends	tend	VERB
ajssms-473	196	28	to	to	PART
ajssms-473	196	29	increase	increase	VERB
ajssms-473	196	30	the	the	DET
ajssms-473	196	31	likelihood	likelihood	NOUN
ajssms-473	196	32	for	for	ADP
ajssms-473	196	33	better	well	ADJ
ajssms-473	196	34	welfare	welfare	NOUN
ajssms-473	196	35	and	and	CCONJ
ajssms-473	196	36	thus	thus	ADV
ajssms-473	196	37	reduction	reduction	NOUN
ajssms-473	196	38	in	in	ADP
ajssms-473	196	39	poverty	poverty	NOUN
ajssms-473	196	40	status	status	NOUN
ajssms-473	196	41	while	while	SCONJ
ajssms-473	196	42	the	the	DET
ajssms-473	196	43	negative	negative	ADJ
ajssms-473	196	44	values	value	NOUN
ajssms-473	196	45	of	of	ADP
ajssms-473	196	46	the	the	DET
ajssms-473	196	47	variables	variable	NOUN
ajssms-473	196	48	on	on	ADP
ajssms-473	196	49	the	the	DET
ajssms-473	196	50	other	other	ADJ
ajssms-473	196	51	hand	hand	NOUN
ajssms-473	196	52	implies	imply	VERB
ajssms-473	196	53	that	that	SCONJ
ajssms-473	196	54	a	a	DET
ajssms-473	196	55	higher	high	ADJ
ajssms-473	196	56	value	value	NOUN
ajssms-473	196	57	tends	tend	VERB
ajssms-473	196	58	to	to	PART
ajssms-473	196	59	decrease	decrease	VERB
ajssms-473	196	60	the	the	DET
ajssms-473	196	61	probability	probability	NOUN
ajssms-473	196	62	of	of	ADP
ajssms-473	196	63	better	well	ADJ
ajssms-473	196	64	welfare	welfare	NOUN
ajssms-473	196	65	and	and	CCONJ
ajssms-473	196	66	thus	thus	ADV
ajssms-473	196	67	increase	increase	VERB
ajssms-473	196	68	the	the	DET
ajssms-473	196	69	poverty	poverty	NOUN
ajssms-473	196	70	status	status	NOUN
ajssms-473	196	71	of	of	ADP
ajssms-473	196	72	people	people	NOUN
ajssms-473	196	73	in	in	ADP
ajssms-473	196	74	both	both	DET
ajssms-473	196	75	beneficiaries	beneficiary	NOUN
ajssms-473	196	76	and	and	CCONJ
ajssms-473	196	77	non	non	NOUN
ajssms-473	196	78	-	-	NOUN
ajssms-473	196	79	beneficiaries	beneficiary	NOUN
ajssms-473	196	80	of	of	ADP
ajssms-473	196	81	ifis	ifis	PROPN
ajssms-473	196	82	.	.	PUNCT
ajssms-473	197	1	for	for	ADP
ajssms-473	197	2	instance	instance	NOUN
ajssms-473	197	3	,	,	PUNCT
ajssms-473	197	4	education	education	NOUN
ajssms-473	197	5	of	of	ADP
ajssms-473	197	6	household	household	NOUN
ajssms-473	197	7	had	have	VERB
ajssms-473	197	8	positive	positive	ADJ
ajssms-473	197	9	estimates	estimate	NOUN
ajssms-473	197	10	(	(	PUNCT
ajssms-473	197	11	0.400	0.400	NUM
ajssms-473	197	12	and	and	CCONJ
ajssms-473	197	13	0.060	0.060	NUM
ajssms-473	197	14	)	)	PUNCT
ajssms-473	197	15	for	for	ADP
ajssms-473	197	16	both	both	PRON
ajssms-473	197	17	beneficiaries	beneficiary	NOUN
ajssms-473	197	18	and	and	CCONJ
ajssms-473	197	19	nonbeneficiaries	nonbeneficiarie	NOUN
ajssms-473	197	20	of	of	ADP
ajssms-473	197	21	informal	informal	ADJ
ajssms-473	197	22	financial	financial	ADJ
ajssms-473	197	23	institutions	institution	NOUN
ajssms-473	197	24	respectively	respectively	ADV
ajssms-473	197	25	but	but	CCONJ
ajssms-473	197	26	was	be	AUX
ajssms-473	197	27	only	only	ADV
ajssms-473	197	28	significant	significant	ADJ
ajssms-473	197	29	for	for	ADP
ajssms-473	197	30	beneficiaries	beneficiary	NOUN
ajssms-473	197	31	of	of	ADP
ajssms-473	197	32	ifis	ifis	NOUN
ajssms-473	197	33	at	at	ADP
ajssms-473	197	34	5	5	NUM
ajssms-473	197	35	%	%	NOUN
ajssms-473	197	36	level	level	NOUN
ajssms-473	197	37	because	because	SCONJ
ajssms-473	197	38	members	member	NOUN
ajssms-473	197	39	of	of	ADP
ajssms-473	197	40	ifis	ifis	PROPN
ajssms-473	197	41	are	be	AUX
ajssms-473	197	42	more	more	ADV
ajssms-473	197	43	educated	educate	VERB
ajssms-473	197	44	than	than	ADP
ajssms-473	197	45	non	non	NOUN
ajssms-473	197	46	-	-	NOUN
ajssms-473	197	47	beneficiaries	beneficiary	NOUN
ajssms-473	197	48	of	of	ADP
ajssms-473	197	49	the	the	DET
ajssms-473	197	50	institutions	institution	NOUN
ajssms-473	197	51	.	.	PUNCT
ajssms-473	198	1	this	this	PRON
ajssms-473	198	2	implies	imply	VERB
ajssms-473	198	3	that	that	SCONJ
ajssms-473	198	4	the	the	DET
ajssms-473	198	5	likelihood	likelihood	NOUN
ajssms-473	198	6	for	for	ADP
ajssms-473	198	7	poverty	poverty	NOUN
ajssms-473	198	8	reduction	reduction	NOUN
ajssms-473	198	9	among	among	ADP
ajssms-473	198	10	beneficiaries	beneficiary	NOUN
ajssms-473	198	11	of	of	ADP
ajssms-473	198	12	ifis	ifis	NOUN
ajssms-473	198	13	is	be	AUX
ajssms-473	198	14	higher	high	ADJ
ajssms-473	198	15	than	than	ADP
ajssms-473	198	16	in	in	ADP
ajssms-473	198	17	non	non	NOUN
ajssms-473	198	18	-	-	NOUN
ajssms-473	198	19	members	member	NOUN
ajssms-473	198	20	of	of	ADP
ajssms-473	198	21	ifis	ifis	PROPN
ajssms-473	198	22	.	.	PUNCT
ajssms-473	199	1	the	the	DET
ajssms-473	199	2	result	result	NOUN
ajssms-473	199	3	also	also	ADV
ajssms-473	199	4	showed	show	VERB
ajssms-473	199	5	that	that	SCONJ
ajssms-473	199	6	household	household	NOUN
ajssms-473	199	7	size	size	NOUN
ajssms-473	199	8	had	have	VERB
ajssms-473	199	9	negative	negative	ADJ
ajssms-473	199	10	values	value	NOUN
ajssms-473	199	11	of	of	ADP
ajssms-473	199	12	estimates	estimate	NOUN
ajssms-473	199	13	(	(	PUNCT
ajssms-473	199	14	-1.8.47	-1.8.47	NOUN
ajssms-473	199	15	and	and	CCONJ
ajssms-473	199	16	-1.020	-1.020	NOUN
ajssms-473	199	17	)	)	PUNCT
ajssms-473	199	18	for	for	ADP
ajssms-473	199	19	both	both	CCONJ
ajssms-473	199	20	beneficiaries	beneficiary	NOUN
ajssms-473	199	21	and	and	CCONJ
ajssms-473	199	22	non	non	NOUN
ajssms-473	199	23	-	-	NOUN
ajssms-473	199	24	beneficiaries	beneficiary	NOUN
ajssms-473	199	25	of	of	ADP
ajssms-473	199	26	ifis	ifis	NOUN
ajssms-473	199	27	and	and	CCONJ
ajssms-473	199	28	were	be	AUX
ajssms-473	199	29	all	all	ADV
ajssms-473	199	30	significant	significant	ADJ
ajssms-473	199	31	at	at	ADP
ajssms-473	199	32	5	5	NUM
ajssms-473	199	33	%	%	NOUN
ajssms-473	199	34	levels	level	NOUN
ajssms-473	199	35	.	.	PUNCT
ajssms-473	200	1	this	this	PRON
ajssms-473	200	2	is	be	AUX
ajssms-473	200	3	in	in	ADP
ajssms-473	200	4	line	line	NOUN
ajssms-473	200	5	with	with	ADP
ajssms-473	200	6	the	the	DET
ajssms-473	200	7	a	a	DET
ajssms-473	200	8	prior	prior	ADJ
ajssms-473	200	9	expectation	expectation	NOUN
ajssms-473	200	10	that	that	SCONJ
ajssms-473	200	11	household	household	NOUN
ajssms-473	200	12	size	size	NOUN
ajssms-473	200	13	negatively	negatively	ADV
ajssms-473	200	14	influence	influence	VERB
ajssms-473	200	15	the	the	DET
ajssms-473	200	16	poverty	poverty	NOUN
ajssms-473	200	17	status	status	NOUN
ajssms-473	200	18	of	of	ADP
ajssms-473	200	19	an	an	DET
ajssms-473	200	20	individual	individual	NOUN
ajssms-473	200	21	as	as	ADV
ajssms-473	200	22	well	well	ADV
ajssms-473	200	23	as	as	ADP
ajssms-473	200	24	his	his	PRON
ajssms-473	200	25	welfare	welfare	NOUN
ajssms-473	200	26	due	due	ADP
ajssms-473	200	27	to	to	ADP
ajssms-473	200	28	severity	severity	NOUN
ajssms-473	200	29	of	of	ADP
ajssms-473	200	30	dependence	dependence	NOUN
ajssms-473	200	31	effect	effect	NOUN
ajssms-473	200	32	as	as	SCONJ
ajssms-473	200	33	households	household	NOUN
ajssms-473	200	34	get	get	VERB
ajssms-473	200	35	larger	large	ADJ
ajssms-473	200	36	.	.	PUNCT
ajssms-473	201	1	this	this	PRON
ajssms-473	201	2	implies	imply	VERB
ajssms-473	201	3	that	that	SCONJ
ajssms-473	201	4	for	for	ADP
ajssms-473	201	5	every	every	DET
ajssms-473	201	6	additional	additional	ADJ
ajssms-473	201	7	individual	individual	NOUN
ajssms-473	201	8	in	in	ADP
ajssms-473	201	9	a	a	DET
ajssms-473	201	10	household	household	NOUN
ajssms-473	201	11	,	,	PUNCT
ajssms-473	201	12	poverty	poverty	NOUN
ajssms-473	201	13	will	will	AUX
ajssms-473	201	14	increase	increase	VERB
ajssms-473	201	15	by-1.847	by-1.847	PROPN
ajssms-473	201	16	and	and	CCONJ
ajssms-473	201	17	-1.020	-1.020	NOUN
ajssms-473	201	18	in	in	ADP
ajssms-473	201	19	both	both	PRON
ajssms-473	201	20	beneficiaries	beneficiary	NOUN
ajssms-473	201	21	and	and	CCONJ
ajssms-473	201	22	non	non	PRON
ajssms-473	201	23	beneficiaries	beneficiary	NOUN
ajssms-473	201	24	of	of	ADP
ajssms-473	201	25	informal	informal	ADJ
ajssms-473	201	26	asian	asian	ADJ
ajssms-473	201	27	journal	journal	NOUN
ajssms-473	201	28	of	of	ADP
ajssms-473	201	29	social	social	ADJ
ajssms-473	201	30	sciences	sciences	PROPN
ajssms-473	201	31	and	and	CCONJ
ajssms-473	201	32	management	management	NOUN
ajssms-473	201	33	studies	study	NOUN
ajssms-473	201	34	,	,	PUNCT
ajssms-473	201	35	2016	2016	NUM
ajssms-473	201	36	,	,	PUNCT
ajssms-473	201	37	3(1	3(1	NUM
ajssms-473	201	38	):	):	PUNCT
ajssms-473	201	39	82	82	NUM
ajssms-473	201	40	-	-	SYM
ajssms-473	201	41	90	90	NUM
ajssms-473	201	42	89	89	NUM
ajssms-473	201	43	financial	financial	ADJ
ajssms-473	201	44	institutions	institution	NOUN
ajssms-473	201	45	respectively	respectively	ADV
ajssms-473	201	46	but	but	CCONJ
ajssms-473	201	47	it	it	PRON
ajssms-473	201	48	will	will	AUX
ajssms-473	201	49	be	be	AUX
ajssms-473	201	50	higher	high	ADJ
ajssms-473	201	51	among	among	ADP
ajssms-473	201	52	non	non	NOUN
ajssms-473	201	53	-	-	NOUN
ajssms-473	201	54	beneficiaries	beneficiary	NOUN
ajssms-473	201	55	of	of	ADP
ajssms-473	201	56	ifis	ifis	NOUN
ajssms-473	201	57	base	base	NOUN
ajssms-473	201	58	on	on	ADP
ajssms-473	201	59	the	the	DET
ajssms-473	201	60	values	value	NOUN
ajssms-473	201	61	given	give	VERB
ajssms-473	201	62	above	above	ADV
ajssms-473	201	63	.	.	PUNCT
ajssms-473	202	1	the	the	DET
ajssms-473	202	2	average	average	ADJ
ajssms-473	202	3	monthly	monthly	ADJ
ajssms-473	202	4	savings	saving	NOUN
ajssms-473	202	5	of	of	ADP
ajssms-473	202	6	individual	individual	ADJ
ajssms-473	202	7	household	household	NOUN
ajssms-473	202	8	was	be	AUX
ajssms-473	202	9	found	find	VERB
ajssms-473	202	10	to	to	PART
ajssms-473	202	11	be	be	AUX
ajssms-473	202	12	positively	positively	ADV
ajssms-473	202	13	significant	significant	ADJ
ajssms-473	202	14	in	in	ADP
ajssms-473	202	15	both	both	DET
ajssms-473	202	16	beneficiaries	beneficiary	NOUN
ajssms-473	202	17	(	(	PUNCT
ajssms-473	202	18	0.020	0.020	NUM
ajssms-473	202	19	)	)	PUNCT
ajssms-473	202	20	and	and	CCONJ
ajssms-473	202	21	non	non	ADJ
ajssms-473	202	22	beneficiaries	beneficiary	NOUN
ajssms-473	202	23	(	(	PUNCT
ajssms-473	202	24	0.000	0.000	NUM
ajssms-473	202	25	)	)	PUNCT
ajssms-473	202	26	of	of	ADP
ajssms-473	202	27	informal	informal	ADJ
ajssms-473	202	28	financial	financial	ADJ
ajssms-473	202	29	institutions	institution	NOUN
ajssms-473	202	30	at	at	ADP
ajssms-473	202	31	5	5	NUM
ajssms-473	202	32	%	%	NOUN
ajssms-473	202	33	level	level	NOUN
ajssms-473	202	34	of	of	ADP
ajssms-473	202	35	significant	significant	ADJ
ajssms-473	202	36	.	.	PUNCT
ajssms-473	203	1	this	this	PRON
ajssms-473	203	2	is	be	AUX
ajssms-473	203	3	in	in	ADP
ajssms-473	203	4	consonance	consonance	NOUN
ajssms-473	203	5	with	with	ADP
ajssms-473	203	6	the	the	DET
ajssms-473	203	7	apriori	apriori	ADJ
ajssms-473	203	8	expectation	expectation	NOUN
ajssms-473	203	9	that	that	SCONJ
ajssms-473	203	10	the	the	PRON
ajssms-473	203	11	higher	high	ADJ
ajssms-473	203	12	the	the	DET
ajssms-473	203	13	savings	saving	NOUN
ajssms-473	203	14	of	of	ADP
ajssms-473	203	15	an	an	DET
ajssms-473	203	16	individual	individual	ADJ
ajssms-473	203	17	household	household	NOUN
ajssms-473	203	18	,	,	PUNCT
ajssms-473	203	19	the	the	PRON
ajssms-473	203	20	lower	low	ADJ
ajssms-473	203	21	the	the	DET
ajssms-473	203	22	incidence	incidence	NOUN
ajssms-473	203	23	of	of	ADP
ajssms-473	203	24	poverty	poverty	NOUN
ajssms-473	203	25	.	.	PUNCT
ajssms-473	204	1	this	this	PRON
ajssms-473	204	2	is	be	AUX
ajssms-473	204	3	because	because	SCONJ
ajssms-473	204	4	savings	saving	NOUN
ajssms-473	204	5	is	be	AUX
ajssms-473	204	6	expected	expect	VERB
ajssms-473	204	7	to	to	PART
ajssms-473	204	8	be	be	AUX
ajssms-473	204	9	channeled	channel	VERB
ajssms-473	204	10	into	into	ADP
ajssms-473	204	11	investment	investment	NOUN
ajssms-473	204	12	.	.	PUNCT
ajssms-473	205	1	this	this	DET
ajssms-473	205	2	further	far	ADV
ajssms-473	205	3	implies	imply	VERB
ajssms-473	205	4	that	that	SCONJ
ajssms-473	205	5	for	for	ADP
ajssms-473	205	6	every	every	DET
ajssms-473	205	7	increase	increase	NOUN
ajssms-473	205	8	in	in	ADP
ajssms-473	205	9	savings	saving	NOUN
ajssms-473	205	10	of	of	ADP
ajssms-473	205	11	households	household	NOUN
ajssms-473	205	12	by	by	ADP
ajssms-473	205	13	one	one	NUM
ajssms-473	205	14	naira	naira	NOUN
ajssms-473	205	15	,	,	PUNCT
ajssms-473	205	16	poverty	poverty	NOUN
ajssms-473	205	17	is	be	AUX
ajssms-473	205	18	expected	expect	VERB
ajssms-473	205	19	to	to	PART
ajssms-473	205	20	be	be	AUX
ajssms-473	205	21	reduced	reduce	VERB
ajssms-473	205	22	by	by	ADP
ajssms-473	205	23	0.0021	0.0021	NUM
ajssms-473	205	24	and	and	CCONJ
ajssms-473	205	25	0.000	0.000	NUM
ajssms-473	205	26	in	in	ADP
ajssms-473	205	27	beneficiaries	beneficiary	NOUN
ajssms-473	205	28	and	and	CCONJ
ajssms-473	205	29	non	non	PRON
ajssms-473	205	30	beneficiaries	beneficiary	NOUN
ajssms-473	205	31	of	of	ADP
ajssms-473	205	32	informal	informal	ADJ
ajssms-473	205	33	financial	financial	ADJ
ajssms-473	205	34	institutions	institution	NOUN
ajssms-473	205	35	respectively	respectively	ADV
ajssms-473	205	36	.	.	PUNCT
ajssms-473	206	1	this	this	DET
ajssms-473	206	2	result	result	NOUN
ajssms-473	206	3	further	far	ADV
ajssms-473	206	4	justified	justify	VERB
ajssms-473	206	5	why	why	SCONJ
ajssms-473	206	6	respondents	respondent	NOUN
ajssms-473	206	7	who	who	PRON
ajssms-473	206	8	benefited	benefit	VERB
ajssms-473	206	9	from	from	ADP
ajssms-473	206	10	ifis	ifis	PROPN
ajssms-473	206	11	in	in	ADP
ajssms-473	206	12	konshisha	konshisha	PROPN
ajssms-473	206	13	local	local	ADJ
ajssms-473	206	14	government	government	NOUN
ajssms-473	206	15	area	area	NOUN
ajssms-473	206	16	were	be	AUX
ajssms-473	206	17	found	find	VERB
ajssms-473	206	18	to	to	PART
ajssms-473	206	19	be	be	AUX
ajssms-473	206	20	less	less	ADV
ajssms-473	206	21	poor	poor	ADJ
ajssms-473	206	22	than	than	ADP
ajssms-473	206	23	non	non	NOUN
ajssms-473	206	24	-	-	NOUN
ajssms-473	206	25	beneficiaries	beneficiary	NOUN
ajssms-473	206	26	.	.	PUNCT
ajssms-473	207	1	further	further	ADJ
ajssms-473	207	2	analysis	analysis	NOUN
ajssms-473	207	3	also	also	ADV
ajssms-473	207	4	revealed	reveal	VERB
ajssms-473	207	5	that	that	SCONJ
ajssms-473	207	6	child	child	NOUN
ajssms-473	207	7	dependency	dependency	NOUN
ajssms-473	207	8	ratio	ratio	NOUN
ajssms-473	207	9	was	be	AUX
ajssms-473	207	10	negative	negative	ADJ
ajssms-473	207	11	in	in	ADP
ajssms-473	207	12	conformity	conformity	NOUN
ajssms-473	207	13	with	with	ADP
ajssms-473	207	14	the	the	DET
ajssms-473	207	15	apriori	apriori	ADJ
ajssms-473	207	16	expectation	expectation	NOUN
ajssms-473	207	17	for	for	ADP
ajssms-473	207	18	both	both	DET
ajssms-473	207	19	beneficiaries	beneficiary	NOUN
ajssms-473	207	20	of	of	ADP
ajssms-473	207	21	ifis	ifis	PROPN
ajssms-473	207	22	(	(	PUNCT
ajssms-473	207	23	-1.020	-1.020	NOUN
ajssms-473	207	24	)	)	PUNCT
ajssms-473	207	25	and	and	CCONJ
ajssms-473	207	26	non	non	NOUN
ajssms-473	207	27	-	-	NOUN
ajssms-473	207	28	beneficiaries	beneficiary	NOUN
ajssms-473	207	29	of	of	ADP
ajssms-473	207	30	ifis	ifis	PROPN
ajssms-473	207	31	(	(	PUNCT
ajssms-473	207	32	-0.311	-0.311	NOUN
ajssms-473	207	33	)	)	PUNCT
ajssms-473	207	34	,	,	PUNCT
ajssms-473	207	35	respectively	respectively	ADV
ajssms-473	207	36	.	.	PUNCT
ajssms-473	208	1	however	however	ADV
ajssms-473	208	2	,	,	PUNCT
ajssms-473	208	3	the	the	DET
ajssms-473	208	4	influence	influence	NOUN
ajssms-473	208	5	of	of	ADP
ajssms-473	208	6	child	child	NOUN
ajssms-473	208	7	dependency	dependency	NOUN
ajssms-473	208	8	ration	ration	NOUN
ajssms-473	208	9	on	on	ADP
ajssms-473	208	10	poverty	poverty	NOUN
ajssms-473	208	11	status	status	NOUN
ajssms-473	208	12	of	of	ADP
ajssms-473	208	13	both	both	DET
ajssms-473	208	14	beneficiaries	beneficiary	NOUN
ajssms-473	208	15	and	and	CCONJ
ajssms-473	208	16	non	non	PRON
ajssms-473	208	17	beneficiaries	beneficiary	NOUN
ajssms-473	208	18	of	of	ADP
ajssms-473	208	19	ifis	ifis	NOUN
ajssms-473	208	20	was	be	AUX
ajssms-473	208	21	insignificant	insignificant	ADJ
ajssms-473	208	22	in	in	ADP
ajssms-473	208	23	the	the	DET
ajssms-473	208	24	study	study	NOUN
ajssms-473	208	25	area	area	NOUN
ajssms-473	208	26	at	at	ADP
ajssms-473	208	27	5	5	NUM
ajssms-473	208	28	%	%	NOUN
ajssms-473	208	29	level	level	NOUN
ajssms-473	208	30	.	.	PUNCT
ajssms-473	209	1	similarly	similarly	ADV
ajssms-473	209	2	,	,	PUNCT
ajssms-473	209	3	the	the	DET
ajssms-473	209	4	study	study	NOUN
ajssms-473	209	5	further	far	ADV
ajssms-473	209	6	revealed	reveal	VERB
ajssms-473	209	7	that	that	SCONJ
ajssms-473	209	8	the	the	DET
ajssms-473	209	9	influence	influence	NOUN
ajssms-473	209	10	of	of	ADP
ajssms-473	209	11	sex	sex	NOUN
ajssms-473	209	12	,	,	PUNCT
ajssms-473	209	13	age	age	NOUN
ajssms-473	209	14	and	and	CCONJ
ajssms-473	209	15	marital	marital	ADJ
ajssms-473	209	16	status	status	NOUN
ajssms-473	209	17	on	on	ADP
ajssms-473	209	18	poverty	poverty	NOUN
ajssms-473	209	19	level	level	NOUN
ajssms-473	209	20	of	of	ADP
ajssms-473	209	21	the	the	DET
ajssms-473	209	22	inhabitants	inhabitant	NOUN
ajssms-473	209	23	of	of	ADP
ajssms-473	209	24	konshisha	konshisha	PROPN
ajssms-473	209	25	local	local	ADJ
ajssms-473	209	26	government	government	NOUN
ajssms-473	209	27	was	be	AUX
ajssms-473	209	28	found	find	VERB
ajssms-473	209	29	to	to	PART
ajssms-473	209	30	be	be	AUX
ajssms-473	209	31	insignificant	insignificant	ADJ
ajssms-473	209	32	at	at	ADP
ajssms-473	209	33	5	5	NUM
ajssms-473	209	34	%	%	NOUN
ajssms-473	209	35	level	level	NOUN
ajssms-473	209	36	.	.	PUNCT
ajssms-473	210	1	table-5	table-5	PROPN
ajssms-473	210	2	.	.	PROPN
ajssms-473	210	3	t	t	PROPN
ajssms-473	210	4	-	-	PUNCT
ajssms-473	210	5	test	test	NOUN
ajssms-473	210	6	of	of	ADP
ajssms-473	210	7	difference	difference	NOUN
ajssms-473	210	8	in	in	ADP
ajssms-473	210	9	mean	mean	NOUN
ajssms-473	210	10	of	of	ADP
ajssms-473	210	11	real	real	ADJ
ajssms-473	210	12	household	household	NOUN
ajssms-473	210	13	consumption	consumption	NOUN
ajssms-473	210	14	-	-	PUNCT
ajssms-473	210	15	expenditure	expenditure	NOUN
ajssms-473	210	16	of	of	ADP
ajssms-473	210	17	beneficiaries	beneficiary	NOUN
ajssms-473	210	18	and	and	CCONJ
ajssms-473	210	19	non	non	NOUN
ajssms-473	210	20	-	-	NOUN
ajssms-473	210	21	beneficiaries	beneficiary	NOUN
ajssms-473	210	22	of	of	ADP
ajssms-473	210	23	informal	informal	ADJ
ajssms-473	210	24	financial	financial	ADJ
ajssms-473	210	25	institutions	institution	NOUN
ajssms-473	210	26	in	in	ADP
ajssms-473	210	27	konshisha	konshisha	PROPN
ajssms-473	210	28	local	local	ADJ
ajssms-473	210	29	government	government	NOUN
ajssms-473	210	30	area	area	NOUN
ajssms-473	210	31	of	of	ADP
ajssms-473	210	32	benue	benue	PROPN
ajssms-473	210	33	state	state	NOUN
ajssms-473	210	34	.	.	PUNCT
ajssms-473	211	1	informal	informal	ADJ
ajssms-473	211	2	financial	financial	ADJ
ajssms-473	211	3	institutions	institution	NOUN
ajssms-473	211	4	no	no	INTJ
ajssms-473	211	5	.	.	PUNCT
ajssms-473	211	6	of	of	ADP
ajssms-473	211	7	resp	resp	NOUN
ajssms-473	211	8	.	.	PUNCT
ajssms-473	212	1	mean	mean	VERB
ajssms-473	212	2	(	(	PUNCT
ajssms-473	212	3	n	n	CCONJ
ajssms-473	212	4	)	)	PUNCT
ajssms-473	212	5	st	st	PROPN
ajssms-473	212	6	.	.	PROPN
ajssms-473	212	7	deviation	deviation	NOUN
ajssms-473	212	8	mean	mean	NOUN
ajssms-473	212	9	difference	difference	NOUN
ajssms-473	212	10	d.f	d.f	PROPN
ajssms-473	212	11	t	t	PROPN
ajssms-473	212	12	sig	sig	NOUN
ajssms-473	212	13	beneficiaries	beneficiary	NOUN
ajssms-473	212	14	of	of	ADP
ajssms-473	212	15	ifis	ifis	NOUN
ajssms-473	212	16	108	108	NUM
ajssms-473	212	17	59828.6	59828.6	NUM
ajssms-473	212	18	52209.81	52209.81	NUM
ajssms-473	212	19	27728.60	27728.60	NUM
ajssms-473	212	20	*	*	SYM
ajssms-473	212	21	155.11	155.11	NUM
ajssms-473	212	22	4.96	4.96	NUM
ajssms-473	212	23	0.00	0.00	NUM
ajssms-473	212	24	non	non	NOUN
ajssms-473	212	25	-	-	NOUN
ajssms-473	212	26	beneficiaries	beneficiary	NOUN
ajssms-473	212	27	of	of	ADP
ajssms-473	212	28	ifis	ifis	NOUN
ajssms-473	212	29	105	105	NUM
ajssms-473	212	30	32100	32100	NUM
ajssms-473	212	31	2.5159.0	2.5159.0	NUM
ajssms-473	212	32	source	source	NOUN
ajssms-473	212	33	:	:	PUNCT
ajssms-473	212	34	field	field	NOUN
ajssms-473	212	35	survey	survey	NOUN
ajssms-473	212	36	,	,	PUNCT
ajssms-473	212	37	2014	2014	NUM
ajssms-473	212	38	.	.	PUNCT
ajssms-473	213	1	single	single	ADJ
ajssms-473	213	2	asterisk	asterisk	NOUN
ajssms-473	213	3	(	(	PUNCT
ajssms-473	213	4	*	*	NOUN
ajssms-473	213	5	)	)	PUNCT
ajssms-473	213	6	=	=	NOUN
ajssms-473	213	7	t	t	NOUN
ajssms-473	213	8	-	-	PUNCT
ajssms-473	213	9	test	test	NOUN
ajssms-473	213	10	of	of	ADP
ajssms-473	213	11	difference	difference	NOUN
ajssms-473	213	12	significant	significant	ADJ
ajssms-473	213	13	at	at	ADP
ajssms-473	213	14	1	1	NUM
ajssms-473	213	15	%	%	NOUN
ajssms-473	213	16	level	level	NOUN
ajssms-473	213	17	.	.	PUNCT
ajssms-473	213	18	table	table	NOUN
ajssms-473	213	19	5	5	NUM
ajssms-473	213	20	shows	show	VERB
ajssms-473	213	21	that	that	SCONJ
ajssms-473	213	22	108	108	NUM
ajssms-473	213	23	beneficiaries	beneficiary	NOUN
ajssms-473	213	24	of	of	ADP
ajssms-473	213	25	informal	informal	ADJ
ajssms-473	213	26	financial	financial	ADJ
ajssms-473	213	27	institutions	institution	NOUN
ajssms-473	213	28	in	in	ADP
ajssms-473	213	29	konshisha	konshisha	PROPN
ajssms-473	213	30	local	local	ADJ
ajssms-473	213	31	government	government	NOUN
ajssms-473	213	32	area	area	NOUN
ajssms-473	213	33	have	have	AUX
ajssms-473	213	34	mean	mean	VERB
ajssms-473	213	35	household	household	NOUN
ajssms-473	213	36	consumption	consumption	NOUN
ajssms-473	213	37	expenditure	expenditure	NOUN
ajssms-473	213	38	of	of	ADP
ajssms-473	213	39	n59828.60	n59828.60	PROPN
ajssms-473	213	40	per	per	ADP
ajssms-473	213	41	annum	annum	NOUN
ajssms-473	213	42	.	.	PUNCT
ajssms-473	214	1	while	while	SCONJ
ajssms-473	214	2	that	that	PRON
ajssms-473	214	3	of	of	ADP
ajssms-473	214	4	non	non	NOUN
ajssms-473	214	5	-	-	NOUN
ajssms-473	214	6	beneficiaries	beneficiary	NOUN
ajssms-473	214	7	was	be	AUX
ajssms-473	214	8	32100	32100	NUM
ajssms-473	214	9	naira	naira	NOUN
ajssms-473	214	10	per	per	ADP
ajssms-473	214	11	annum	annum	NOUN
ajssms-473	214	12	.	.	PUNCT
ajssms-473	215	1	this	this	PRON
ajssms-473	215	2	gives	give	VERB
ajssms-473	215	3	a	a	DET
ajssms-473	215	4	significant	significant	ADJ
ajssms-473	215	5	mean	mean	ADJ
ajssms-473	215	6	difference	difference	NOUN
ajssms-473	215	7	of	of	ADP
ajssms-473	215	8	27728.60	27728.60	NUM
ajssms-473	215	9	naira	naira	NOUN
ajssms-473	215	10	at	at	ADP
ajssms-473	215	11	1	1	NUM
ajssms-473	215	12	%	%	NOUN
ajssms-473	215	13	level	level	NOUN
ajssms-473	215	14	.	.	PUNCT
ajssms-473	216	1	the	the	DET
ajssms-473	216	2	result	result	NOUN
ajssms-473	216	3	shows	show	VERB
ajssms-473	216	4	clearly	clearly	ADV
ajssms-473	216	5	that	that	SCONJ
ajssms-473	216	6	beneficiaries	beneficiary	NOUN
ajssms-473	216	7	of	of	ADP
ajssms-473	216	8	informal	informal	ADJ
ajssms-473	216	9	financial	financial	ADJ
ajssms-473	216	10	institutions	institution	NOUN
ajssms-473	216	11	have	have	VERB
ajssms-473	216	12	more	more	ADJ
ajssms-473	216	13	real	real	ADJ
ajssms-473	216	14	household	household	NOUN
ajssms-473	216	15	consumption	consumption	NOUN
ajssms-473	216	16	expenditure	expenditure	NOUN
ajssms-473	216	17	than	than	ADP
ajssms-473	216	18	non	non	ADJ
ajssms-473	216	19	beneficiaries	beneficiary	NOUN
ajssms-473	216	20	in	in	ADP
ajssms-473	216	21	the	the	DET
ajssms-473	216	22	study	study	NOUN
ajssms-473	216	23	area	area	NOUN
ajssms-473	216	24	.	.	PUNCT
ajssms-473	217	1	since	since	SCONJ
ajssms-473	217	2	individual	individual	PROPN
ajssms-473	217	3	’s	’s	PART
ajssms-473	217	4	consumption	consumption	NOUN
ajssms-473	217	5	expenditure	expenditure	NOUN
ajssms-473	217	6	depends	depend	VERB
ajssms-473	217	7	on	on	ADP
ajssms-473	217	8	their	their	PRON
ajssms-473	217	9	income	income	NOUN
ajssms-473	217	10	,	,	PUNCT
ajssms-473	217	11	it	it	PRON
ajssms-473	217	12	therefore	therefore	ADV
ajssms-473	217	13	implies	imply	VERB
ajssms-473	217	14	that	that	SCONJ
ajssms-473	217	15	beneficiaries	beneficiary	NOUN
ajssms-473	217	16	of	of	ADP
ajssms-473	217	17	ifis	ifis	NOUN
ajssms-473	217	18	in	in	ADP
ajssms-473	217	19	the	the	DET
ajssms-473	217	20	study	study	NOUN
ajssms-473	217	21	area	area	NOUN
ajssms-473	217	22	have	have	VERB
ajssms-473	217	23	more	more	ADJ
ajssms-473	217	24	income	income	NOUN
ajssms-473	217	25	than	than	ADP
ajssms-473	217	26	non	non	NOUN
ajssms-473	217	27	-	-	NOUN
ajssms-473	217	28	beneficiaries	beneficiary	NOUN
ajssms-473	217	29	.	.	PUNCT
ajssms-473	218	1	this	this	PRON
ajssms-473	218	2	is	be	AUX
ajssms-473	218	3	attributed	attribute	VERB
ajssms-473	218	4	to	to	ADP
ajssms-473	218	5	the	the	DET
ajssms-473	218	6	fact	fact	NOUN
ajssms-473	218	7	that	that	SCONJ
ajssms-473	218	8	the	the	DET
ajssms-473	218	9	existence	existence	NOUN
ajssms-473	218	10	of	of	ADP
ajssms-473	218	11	informal	informal	ADJ
ajssms-473	218	12	financial	financial	ADJ
ajssms-473	218	13	institutions	institution	NOUN
ajssms-473	218	14	in	in	ADP
ajssms-473	218	15	the	the	DET
ajssms-473	218	16	study	study	NOUN
ajssms-473	218	17	area	area	NOUN
ajssms-473	218	18	enables	enable	VERB
ajssms-473	218	19	members	member	NOUN
ajssms-473	218	20	to	to	PART
ajssms-473	218	21	access	access	VERB
ajssms-473	218	22	funds	fund	NOUN
ajssms-473	218	23	to	to	PART
ajssms-473	218	24	meet	meet	VERB
ajssms-473	218	25	their	their	PRON
ajssms-473	218	26	various	various	ADJ
ajssms-473	218	27	needs	need	NOUN
ajssms-473	218	28	thereby	thereby	ADV
ajssms-473	218	29	reducing	reduce	VERB
ajssms-473	218	30	their	their	PRON
ajssms-473	218	31	poverty	poverty	NOUN
ajssms-473	218	32	level	level	NOUN
ajssms-473	218	33	.	.	PUNCT
ajssms-473	219	1	a	a	DET
ajssms-473	219	2	general	general	ADJ
ajssms-473	219	3	look	look	NOUN
ajssms-473	219	4	at	at	ADP
ajssms-473	219	5	this	this	DET
ajssms-473	219	6	result	result	NOUN
ajssms-473	219	7	thus	thus	ADV
ajssms-473	219	8	conformed	conform	VERB
ajssms-473	219	9	with	with	ADP
ajssms-473	219	10	the	the	DET
ajssms-473	219	11	views	view	NOUN
ajssms-473	219	12	of	of	ADP
ajssms-473	219	13	aryeetey	aryeetey	PROPN
ajssms-473	219	14	(	(	PUNCT
ajssms-473	219	15	1994	1994	NUM
ajssms-473	219	16	)	)	PUNCT
ajssms-473	219	17	;	;	PUNCT
ajssms-473	220	1	noah	noah	PROPN
ajssms-473	220	2	et	et	PROPN
ajssms-473	220	3	al	al	PROPN
ajssms-473	220	4	.	.	PROPN
ajssms-473	220	5	(	(	PUNCT
ajssms-473	220	6	2009	2009	NUM
ajssms-473	220	7	)	)	PUNCT
ajssms-473	220	8	and	and	CCONJ
ajssms-473	220	9	ijaiya	ijaiya	PROPN
ajssms-473	220	10	(	(	PUNCT
ajssms-473	220	11	2002	2002	NUM
ajssms-473	220	12	)	)	PUNCT
ajssms-473	220	13	who	who	PRON
ajssms-473	220	14	reported	report	VERB
ajssms-473	220	15	that	that	SCONJ
ajssms-473	220	16	informal	informal	ADJ
ajssms-473	220	17	financial	financial	ADJ
ajssms-473	220	18	institutions	institution	NOUN
ajssms-473	220	19	has	have	AUX
ajssms-473	220	20	helped	help	VERB
ajssms-473	220	21	in	in	ADP
ajssms-473	220	22	mobilizing	mobilize	VERB
ajssms-473	220	23	savings	saving	NOUN
ajssms-473	220	24	which	which	PRON
ajssms-473	220	25	are	be	AUX
ajssms-473	220	26	in	in	ADP
ajssms-473	220	27	turn	turn	NOUN
ajssms-473	220	28	used	use	VERB
ajssms-473	220	29	as	as	ADP
ajssms-473	220	30	working	work	VERB
ajssms-473	220	31	capital	capital	NOUN
ajssms-473	220	32	to	to	PART
ajssms-473	220	33	restock	restock	VERB
ajssms-473	220	34	supplies	supply	NOUN
ajssms-473	220	35	which	which	PRON
ajssms-473	220	36	enables	enable	VERB
ajssms-473	220	37	beneficiaries	beneficiary	NOUN
ajssms-473	220	38	to	to	PART
ajssms-473	220	39	expand	expand	VERB
ajssms-473	220	40	their	their	PRON
ajssms-473	220	41	output	output	NOUN
ajssms-473	220	42	and	and	CCONJ
ajssms-473	220	43	earn	earn	VERB
ajssms-473	220	44	a	a	DET
ajssms-473	220	45	stream	stream	NOUN
ajssms-473	220	46	of	of	ADP
ajssms-473	220	47	profit	profit	NOUN
ajssms-473	220	48	,	,	PUNCT
ajssms-473	220	49	thereby	thereby	ADV
ajssms-473	220	50	providing	provide	VERB
ajssms-473	220	51	a	a	DET
ajssms-473	220	52	significant	significant	ADJ
ajssms-473	220	53	source	source	NOUN
ajssms-473	220	54	of	of	ADP
ajssms-473	220	55	income	income	NOUN
ajssms-473	220	56	to	to	ADP
ajssms-473	220	57	individual	individual	ADJ
ajssms-473	220	58	household	household	NOUN
ajssms-473	220	59	which	which	PRON
ajssms-473	220	60	reduces	reduce	VERB
ajssms-473	220	61	their	their	PRON
ajssms-473	220	62	level	level	NOUN
ajssms-473	220	63	of	of	ADP
ajssms-473	220	64	poverty	poverty	NOUN
ajssms-473	220	65	.	.	PUNCT
ajssms-473	221	1	4.2	4.2	NUM
ajssms-473	221	2	.	.	PUNCT
ajssms-473	221	3	conclusion	conclusion	NOUN
ajssms-473	221	4	and	and	CCONJ
ajssms-473	221	5	recommendations	recommendation	NOUN
ajssms-473	221	6	the	the	DET
ajssms-473	221	7	study	study	NOUN
ajssms-473	221	8	revealed	reveal	VERB
ajssms-473	221	9	that	that	SCONJ
ajssms-473	221	10	informal	informal	ADJ
ajssms-473	221	11	financial	financial	ADJ
ajssms-473	221	12	institutions	institution	NOUN
ajssms-473	221	13	are	be	AUX
ajssms-473	221	14	an	an	DET
ajssms-473	221	15	integral	integral	ADJ
ajssms-473	221	16	part	part	NOUN
ajssms-473	221	17	of	of	ADP
ajssms-473	221	18	rural	rural	ADJ
ajssms-473	221	19	economic	economic	ADJ
ajssms-473	221	20	life	life	NOUN
ajssms-473	221	21	and	and	CCONJ
ajssms-473	221	22	an	an	DET
ajssms-473	221	23	alternative	alternative	ADJ
ajssms-473	221	24	source	source	NOUN
ajssms-473	221	25	of	of	ADP
ajssms-473	221	26	credit	credit	NOUN
ajssms-473	221	27	for	for	ADP
ajssms-473	221	28	rural	rural	ADJ
ajssms-473	221	29	people	people	NOUN
ajssms-473	221	30	.	.	PUNCT
ajssms-473	222	1	their	their	PRON
ajssms-473	222	2	existence	existence	NOUN
ajssms-473	222	3	in	in	ADP
ajssms-473	222	4	konshisha	konshisha	PROPN
ajssms-473	222	5	local	local	ADJ
ajssms-473	222	6	government	government	NOUN
ajssms-473	222	7	area	area	NOUN
ajssms-473	222	8	has	have	AUX
ajssms-473	222	9	contributed	contribute	VERB
ajssms-473	222	10	significantly	significantly	ADV
ajssms-473	222	11	towards	towards	ADP
ajssms-473	222	12	poverty	poverty	NOUN
ajssms-473	222	13	reduction	reduction	NOUN
ajssms-473	222	14	through	through	ADP
ajssms-473	222	15	the	the	DET
ajssms-473	222	16	disbursement	disbursement	NOUN
ajssms-473	222	17	of	of	ADP
ajssms-473	222	18	micro	micro	ADJ
ajssms-473	222	19	loans	loan	NOUN
ajssms-473	222	20	to	to	ADP
ajssms-473	222	21	their	their	PRON
ajssms-473	222	22	members	member	NOUN
ajssms-473	222	23	for	for	ADP
ajssms-473	222	24	productive	productive	ADJ
ajssms-473	222	25	investment	investment	NOUN
ajssms-473	222	26	.	.	PUNCT
ajssms-473	223	1	given	give	VERB
ajssms-473	223	2	the	the	DET
ajssms-473	223	3	failure	failure	NOUN
ajssms-473	223	4	of	of	ADP
ajssms-473	223	5	most	most	ADJ
ajssms-473	223	6	nigerian	nigerian	ADJ
ajssms-473	223	7	government	government	NOUN
ajssms-473	223	8	rural	rural	ADJ
ajssms-473	223	9	financial	financial	ADJ
ajssms-473	223	10	intervention	intervention	NOUN
ajssms-473	223	11	programmes	programme	NOUN
ajssms-473	223	12	,	,	PUNCT
ajssms-473	223	13	the	the	DET
ajssms-473	223	14	researchers	researcher	NOUN
ajssms-473	223	15	therefore	therefore	ADV
ajssms-473	223	16	recommended	recommend	VERB
ajssms-473	223	17	that	that	SCONJ
ajssms-473	223	18	money	money	NOUN
ajssms-473	223	19	market	market	NOUN
ajssms-473	223	20	development	development	NOUN
ajssms-473	223	21	policies	policy	NOUN
ajssms-473	223	22	should	should	AUX
ajssms-473	223	23	be	be	AUX
ajssms-473	223	24	tailored	tailor	VERB
ajssms-473	223	25	towards	towards	ADP
ajssms-473	223	26	developing	develop	VERB
ajssms-473	223	27	the	the	DET
ajssms-473	223	28	informal	informal	ADJ
ajssms-473	223	29	financial	financial	ADJ
ajssms-473	223	30	institutions	institution	NOUN
ajssms-473	223	31	in	in	ADP
ajssms-473	223	32	rural	rural	ADJ
ajssms-473	223	33	areas	area	NOUN
ajssms-473	223	34	in	in	ADP
ajssms-473	223	35	order	order	NOUN
ajssms-473	223	36	to	to	PART
ajssms-473	223	37	expand	expand	VERB
ajssms-473	223	38	their	their	PRON
ajssms-473	223	39	scope	scope	NOUN
ajssms-473	223	40	of	of	ADP
ajssms-473	223	41	meeting	meet	VERB
ajssms-473	223	42	the	the	DET
ajssms-473	223	43	financial	financial	ADJ
ajssms-473	223	44	needs	need	NOUN
ajssms-473	223	45	of	of	ADP
ajssms-473	223	46	the	the	DET
ajssms-473	223	47	rural	rural	ADJ
ajssms-473	223	48	dwellers	dweller	NOUN
ajssms-473	223	49	particularly	particularly	ADV
ajssms-473	223	50	in	in	ADP
ajssms-473	223	51	konshisha	konshisha	PROPN
ajssms-473	223	52	local	local	ADJ
ajssms-473	223	53	government	government	NOUN
ajssms-473	223	54	area	area	NOUN
ajssms-473	223	55	to	to	PART
ajssms-473	223	56	reduce	reduce	VERB
ajssms-473	223	57	poverty	poverty	NOUN
ajssms-473	223	58	.	.	PUNCT
ajssms-473	224	1	for	for	ADP
ajssms-473	224	2	instance	instance	NOUN
ajssms-473	224	3	,	,	PUNCT
ajssms-473	224	4	the	the	DET
ajssms-473	224	5	government	government	NOUN
ajssms-473	224	6	can	can	AUX
ajssms-473	224	7	augment	augment	VERB
ajssms-473	224	8	the	the	DET
ajssms-473	224	9	low	low	ADJ
ajssms-473	224	10	-	-	PUNCT
ajssms-473	224	11	income	income	NOUN
ajssms-473	224	12	earnings	earning	NOUN
ajssms-473	224	13	of	of	ADP
ajssms-473	224	14	members	member	NOUN
ajssms-473	224	15	by	by	ADP
ajssms-473	224	16	making	make	VERB
ajssms-473	224	17	soft	soft	ADJ
ajssms-473	224	18	loans	loan	NOUN
ajssms-473	224	19	(	(	PUNCT
ajssms-473	224	20	loans	loan	NOUN
ajssms-473	224	21	with	with	ADP
ajssms-473	224	22	very	very	ADV
ajssms-473	224	23	low	low	ADJ
ajssms-473	224	24	interest	interest	NOUN
ajssms-473	224	25	)	)	PUNCT
ajssms-473	224	26	available	available	ADJ
ajssms-473	224	27	to	to	ADP
ajssms-473	224	28	members	member	NOUN
ajssms-473	224	29	through	through	ADP
ajssms-473	224	30	informal	informal	ADJ
ajssms-473	224	31	financial	financial	ADJ
ajssms-473	224	32	institutions	institution	NOUN
ajssms-473	224	33	in	in	ADP
ajssms-473	224	34	which	which	PRON
ajssms-473	224	35	(	(	PUNCT
ajssms-473	224	36	ifis	ifis	PROPN
ajssms-473	224	37	)	)	PUNCT
ajssms-473	224	38	they	they	PRON
ajssms-473	224	39	belong	belong	VERB
ajssms-473	224	40	.	.	PUNCT
ajssms-473	225	1	equally	equally	ADV
ajssms-473	225	2	recommended	recommend	VERB
ajssms-473	225	3	is	be	AUX
ajssms-473	225	4	that	that	SCONJ
ajssms-473	225	5	drastic	drastic	ADJ
ajssms-473	225	6	efforts	effort	NOUN
ajssms-473	225	7	should	should	AUX
ajssms-473	225	8	be	be	AUX
ajssms-473	225	9	taken	take	VERB
ajssms-473	225	10	by	by	ADP
ajssms-473	225	11	all	all	DET
ajssms-473	225	12	the	the	DET
ajssms-473	225	13	stakeholders	stakeholder	NOUN
ajssms-473	225	14	in	in	ADP
ajssms-473	225	15	the	the	DET
ajssms-473	225	16	education	education	NOUN
ajssms-473	225	17	sector	sector	NOUN
ajssms-473	225	18	to	to	PART
ajssms-473	225	19	ensure	ensure	VERB
ajssms-473	225	20	that	that	SCONJ
ajssms-473	225	21	quality	quality	NOUN
ajssms-473	225	22	and	and	CCONJ
ajssms-473	225	23	affordable	affordable	ADJ
ajssms-473	225	24	formal	formal	ADJ
ajssms-473	225	25	education	education	NOUN
ajssms-473	225	26	is	be	AUX
ajssms-473	225	27	provided	provide	VERB
ajssms-473	225	28	to	to	ADP
ajssms-473	225	29	all	all	DET
ajssms-473	225	30	the	the	DET
ajssms-473	225	31	inhabitants	inhabitant	NOUN
ajssms-473	225	32	of	of	ADP
ajssms-473	225	33	konshisha	konshisha	PROPN
ajssms-473	225	34	local	local	ADJ
ajssms-473	225	35	government	government	NOUN
ajssms-473	225	36	area	area	NOUN
ajssms-473	225	37	.	.	PUNCT
ajssms-473	226	1	this	this	PRON
ajssms-473	226	2	is	be	AUX
ajssms-473	226	3	because	because	SCONJ
ajssms-473	226	4	education	education	NOUN
ajssms-473	226	5	is	be	AUX
ajssms-473	226	6	a	a	DET
ajssms-473	226	7	social	social	ADJ
ajssms-473	226	8	capital	capital	NOUN
ajssms-473	226	9	and	and	CCONJ
ajssms-473	226	10	it	it	PRON
ajssms-473	226	11	has	have	AUX
ajssms-473	226	12	impacted	impact	VERB
ajssms-473	226	13	positively	positively	ADV
ajssms-473	226	14	on	on	ADP
ajssms-473	226	15	poverty	poverty	NOUN
ajssms-473	226	16	reduction	reduction	NOUN
ajssms-473	226	17	level	level	NOUN
ajssms-473	226	18	of	of	ADP
ajssms-473	226	19	the	the	DET
ajssms-473	226	20	people	people	NOUN
ajssms-473	226	21	in	in	ADP
ajssms-473	226	22	the	the	DET
ajssms-473	226	23	study	study	NOUN
ajssms-473	226	24	area	area	NOUN
ajssms-473	226	25	.	.	PUNCT
ajssms-473	227	1	references	reference	NOUN
ajssms-473	227	2	ajegi	ajegi	PROPN
ajssms-473	227	3	,	,	PUNCT
ajssms-473	227	4	s.o	s.o	PROPN
ajssms-473	227	5	.	.	PROPN
ajssms-473	227	6	,	,	PUNCT
ajssms-473	227	7	2004	2004	NUM
ajssms-473	227	8	.	.	PUNCT
ajssms-473	228	1	determining	determine	VERB
ajssms-473	228	2	the	the	DET
ajssms-473	228	3	poor	poor	ADJ
ajssms-473	228	4	against	against	ADP
ajssms-473	228	5	the	the	DET
ajssms-473	228	6	background	background	NOUN
ajssms-473	228	7	of	of	ADP
ajssms-473	228	8	local	local	ADJ
ajssms-473	228	9	situation	situation	NOUN
ajssms-473	228	10	and	and	CCONJ
ajssms-473	228	11	circumstances	circumstance	NOUN
ajssms-473	228	12	.	.	PUNCT
ajssms-473	229	1	a	a	DET
ajssms-473	229	2	paper	paper	NOUN
ajssms-473	229	3	presented	present	VERB
ajssms-473	229	4	at	at	ADP
ajssms-473	229	5	organizational	organizational	ADJ
ajssms-473	229	6	workshop	workshop	NOUN
ajssms-473	229	7	of	of	ADP
ajssms-473	229	8	national	national	ADJ
ajssms-473	229	9	poverty	poverty	NOUN
ajssms-473	229	10	eradication	eradication	NOUN
ajssms-473	229	11	programme	programme	NOUN
ajssms-473	229	12	at	at	ADP
ajssms-473	229	13	benue	benue	PROPN
ajssms-473	229	14	hotel	hotel	NOUN
ajssms-473	229	15	makurdi	makurdi	PROPN
ajssms-473	229	16	,	,	PUNCT
ajssms-473	229	17	nigeria	nigeria	PROPN
ajssms-473	229	18	.	.	PUNCT
ajssms-473	230	1	aliyu	aliyu	PROPN
ajssms-473	230	2	,	,	PUNCT
ajssms-473	230	3	a.	a.	NOUN
ajssms-473	230	4	,	,	PUNCT
ajssms-473	230	5	2002	2002	NUM
ajssms-473	230	6	.	.	PUNCT
ajssms-473	231	1	implementation	implementation	NOUN
ajssms-473	231	2	progress	progress	NOUN
ajssms-473	231	3	beport	beport	NOUN
ajssms-473	231	4	background	background	NOUN
ajssms-473	231	5	,	,	PUNCT
ajssms-473	231	6	structure	structure	NOUN
ajssms-473	231	7	,	,	PUNCT
ajssms-473	231	8	achievement	achievement	NOUN
ajssms-473	231	9	and	and	CCONJ
ajssms-473	231	10	problems	problem	NOUN
ajssms-473	231	11	of	of	ADP
ajssms-473	231	12	napep	napep	NOUN
ajssms-473	231	13	.	.	PUNCT
ajssms-473	232	1	a	a	DET
ajssms-473	232	2	paper	paper	NOUN
ajssms-473	232	3	presented	present	VERB
ajssms-473	232	4	at	at	ADP
ajssms-473	232	5	a	a	DET
ajssms-473	232	6	oneday	oneday	PROPN
ajssms-473	232	7	special	special	ADJ
ajssms-473	232	8	presidential	presidential	ADJ
ajssms-473	232	9	retreat	retreat	NOUN
ajssms-473	232	10	for	for	ADP
ajssms-473	232	11	permanent	permanent	ADJ
ajssms-473	232	12	secretaries	secretary	NOUN
ajssms-473	232	13	in	in	ADP
ajssms-473	232	14	abuja	abuja	PROPN
ajssms-473	232	15	,	,	PUNCT
ajssms-473	232	16	nigeria	nigeria	PROPN
ajssms-473	232	17	.	.	PUNCT
ajssms-473	233	1	appleton	appleton	PROPN
ajssms-473	233	2	,	,	PUNCT
ajssms-473	233	3	s.	s.	PROPN
ajssms-473	233	4	,	,	PUNCT
ajssms-473	233	5	2001	2001	NUM
ajssms-473	233	6	.	.	PUNCT
ajssms-473	234	1	poverty	poverty	NOUN
ajssms-473	234	2	in	in	ADP
ajssms-473	234	3	yuganda	yuganda	NOUN
ajssms-473	234	4	;	;	PUNCT
ajssms-473	234	5	1999/2000	1999/2000	NUM
ajssms-473	234	6	preliminary	preliminary	ADJ
ajssms-473	234	7	estimate	estimate	NOUN
ajssms-473	234	8	from	from	ADP
ajssms-473	234	9	the	the	DET
ajssms-473	234	10	unhs	unhs	NOUN
ajssms-473	234	11	.	.	PUNCT
ajssms-473	235	1	nottingham	nottingham	PROPN
ajssms-473	235	2	:	:	PUNCT
ajssms-473	235	3	university	university	NOUN
ajssms-473	235	4	of	of	ADP
ajssms-473	235	5	nottingham	nottingham	PROPN
ajssms-473	235	6	,	,	PUNCT
ajssms-473	235	7	mimeo	mimeo	NOUN
ajssms-473	235	8	,	,	PUNCT
ajssms-473	236	1	working	working	NOUN
ajssms-473	236	2	paper	paper	NOUN
ajssms-473	236	3	no	no	INTJ
ajssms-473	236	4	.	.	PUNCT
ajssms-473	237	1	wps/99/22	wps/99/22	PROPN
ajssms-473	237	2	.	.	PUNCT
ajssms-473	238	1	aryeetey	aryeetey	PROPN
ajssms-473	238	2	,	,	PUNCT
ajssms-473	238	3	e.	e.	PROPN
ajssms-473	238	4	,	,	PUNCT
ajssms-473	238	5	1994	1994	NUM
ajssms-473	238	6	.	.	PUNCT
ajssms-473	239	1	rural	rural	ADJ
ajssms-473	239	2	finance	finance	NOUN
ajssms-473	239	3	in	in	ADP
ajssms-473	239	4	africa	africa	PROPN
ajssms-473	239	5	:	:	PUNCT
ajssms-473	239	6	institutional	institutional	ADJ
ajssms-473	239	7	development	development	NOUN
ajssms-473	239	8	and	and	CCONJ
ajssms-473	239	9	access	access	NOUN
ajssms-473	239	10	for	for	ADP
ajssms-473	239	11	the	the	DET
ajssms-473	239	12	poor	poor	ADJ
ajssms-473	239	13	.	.	PUNCT
ajssms-473	240	1	nottinghan	nottinghan	NOUN
ajssms-473	240	2	:	:	PUNCT
ajssms-473	240	3	university	university	NOUN
ajssms-473	240	4	of	of	ADP
ajssms-473	240	5	nottinghan	nottinghan	PROPN
ajssms-473	240	6	.	.	PUNCT
ajssms-473	241	1	in	in	ADP
ajssms-473	241	2	bruno	bruno	PROPN
ajssms-473	241	3	,	,	PUNCT
ajssms-473	241	4	m.	m.	NOUN
ajssms-473	241	5	and	and	CCONJ
ajssms-473	241	6	pleskovic	pleskovic	PROPN
ajssms-473	241	7	,	,	PUNCT
ajssms-473	241	8	b.	b.	PROPN
ajssms-473	241	9	(	(	PUNCT
ajssms-473	241	10	eds	eds	PROPN
ajssms-473	241	11	)	)	PUNCT
ajssms-473	241	12	.	.	PUNCT
ajssms-473	242	1	annual	annual	ADJ
ajssms-473	242	2	world	world	PROPN
ajssms-473	242	3	bank	bank	PROPN
ajssms-473	242	4	conference	conference	NOUN
ajssms-473	242	5	in	in	ADP
ajssms-473	242	6	development	development	NOUN
ajssms-473	242	7	economic	economic	PROPN
ajssms-473	242	8	1996	1996	NUM
ajssms-473	242	9	,	,	PUNCT
ajssms-473	242	10	washington	washington	PROPN
ajssms-473	242	11	,	,	PUNCT
ajssms-473	242	12	d.c	d.c	PROPN
ajssms-473	242	13	.	.	PROPN
ajssms-473	242	14	awolowo	awolowo	PROPN
ajssms-473	242	15	,	,	PUNCT
ajssms-473	242	16	o.	o.	PROPN
ajssms-473	242	17	,	,	PUNCT
ajssms-473	242	18	1981	1981	NUM
ajssms-473	242	19	.	.	PUNCT
ajssms-473	243	1	path	path	NOUN
ajssms-473	243	2	to	to	ADP
ajssms-473	243	3	nigeria	nigeria	PROPN
ajssms-473	243	4	greatness	greatness	NOUN
ajssms-473	243	5	.	.	PUNCT
ajssms-473	244	1	enugu	enugu	PROPN
ajssms-473	244	2	:	:	PUNCT
ajssms-473	244	3	fourth	fourth	ADJ
ajssms-473	244	4	dimension	dimension	NOUN
ajssms-473	244	5	publishers	publisher	NOUN
ajssms-473	244	6	.	.	PUNCT
ajssms-473	245	1	federal	federal	PROPN
ajssms-473	245	2	of	of	ADP
ajssms-473	245	3	statistics	statistic	NOUN
ajssms-473	245	4	(	(	PUNCT
ajssms-473	245	5	f.o.s	f.o.s	NOUN
ajssms-473	245	6	)	)	PUNCT
ajssms-473	245	7	,	,	PUNCT
ajssms-473	245	8	1999	1999	NUM
ajssms-473	245	9	.	.	PUNCT
ajssms-473	246	1	poverty	poverty	NOUN
ajssms-473	246	2	and	and	CCONJ
ajssms-473	246	3	agricultural	agricultural	ADJ
ajssms-473	246	4	sector	sector	NOUN
ajssms-473	246	5	in	in	ADP
ajssms-473	246	6	nigeria	nigeria	PROPN
ajssms-473	246	7	:	:	PUNCT
ajssms-473	246	8	poverty	poverty	NOUN
ajssms-473	246	9	incidence	incidence	NOUN
ajssms-473	246	10	of	of	ADP
ajssms-473	246	11	farmers	farmer	NOUN
ajssms-473	246	12	by	by	ADP
ajssms-473	246	13	region	region	NOUN
ajssms-473	246	14	.	.	PUNCT
ajssms-473	247	1	nigeria	nigeria	PROPN
ajssms-473	247	2	:	:	PUNCT
ajssms-473	248	1	f.o.s	f.o.s	PROPN
ajssms-473	248	2	.	.	PUNCT
ajssms-473	248	3	head	head	PROPN
ajssms-473	248	4	office	office	PROPN
ajssms-473	248	5	abuja	abuja	PROPN
ajssms-473	248	6	.	.	PUNCT
ajssms-473	249	1	pp	pp	ADV
ajssms-473	249	2	:	:	PUNCT
ajssms-473	249	3	4	4	NUM
ajssms-473	249	4	-	-	SYM
ajssms-473	249	5	33	33	NUM
ajssms-473	249	6	.	.	PUNCT
ajssms-473	250	1	foster	foster	PROPN
ajssms-473	250	2	,	,	PUNCT
ajssms-473	250	3	j.	j.	PROPN
ajssms-473	250	4	,	,	PUNCT
ajssms-473	250	5	j.	j.	PROPN
ajssms-473	250	6	greer	greer	PROPN
ajssms-473	250	7	and	and	CCONJ
ajssms-473	250	8	e.	e.	PROPN
ajssms-473	250	9	thorbocke	thorbocke	PROPN
ajssms-473	250	10	,	,	PUNCT
ajssms-473	250	11	1984	1984	NUM
ajssms-473	250	12	.	.	PUNCT
ajssms-473	251	1	a	a	DET
ajssms-473	251	2	class	class	NOUN
ajssms-473	251	3	of	of	ADP
ajssms-473	251	4	the	the	DET
ajssms-473	251	5	decomposable	decomposable	ADJ
ajssms-473	251	6	poverty	poverty	NOUN
ajssms-473	251	7	measure	measure	NOUN
ajssms-473	251	8	.	.	PUNCT
ajssms-473	252	1	economist	economist	NOUN
ajssms-473	252	2	,	,	PUNCT
ajssms-473	252	3	52(3	52(3	NUM
ajssms-473	252	4	):	):	PUNCT
ajssms-473	252	5	761	761	NUM
ajssms-473	252	6	-	-	SYM
ajssms-473	252	7	766	766	NUM
ajssms-473	252	8	.	.	PUNCT
ajssms-473	253	1	grootaert	grootaert	NOUN
ajssms-473	253	2	,	,	PUNCT
ajssms-473	253	3	c.	c.	PROPN
ajssms-473	253	4	and	and	CCONJ
ajssms-473	253	5	j.	j.	PROPN
ajssms-473	253	6	braithwaite	braithwaite	PROPN
ajssms-473	253	7	,	,	PUNCT
ajssms-473	253	8	1998	1998	NUM
ajssms-473	253	9	.	.	PUNCT
ajssms-473	254	1	poverty	poverty	NOUN
ajssms-473	254	2	correlate	correlate	VERB
ajssms-473	254	3	and	and	CCONJ
ajssms-473	254	4	indicator	indicator	NOUN
ajssms-473	254	5	,	,	PUNCT
ajssms-473	254	6	and	and	CCONJ
ajssms-473	254	7	based	base	VERB
ajssms-473	254	8	targeting	target	VERB
ajssms-473	254	9	in	in	ADP
ajssms-473	254	10	eastern	eastern	PROPN
ajssms-473	254	11	europe	europe	PROPN
ajssms-473	254	12	and	and	CCONJ
ajssms-473	254	13	former	former	ADJ
ajssms-473	254	14	soviet	soviet	PROPN
ajssms-473	254	15	union	union	PROPN
ajssms-473	254	16	:	:	PUNCT
ajssms-473	254	17	world	world	PROPN
ajssms-473	254	18	bank	bank	PROPN
ajssms-473	254	19	policy	policy	NOUN
ajssms-473	254	20	research	research	NOUN
ajssms-473	254	21	working	work	VERB
ajssms-473	254	22	paper	paper	NOUN
ajssms-473	254	23	no.1942	no.1942	PROPN
ajssms-473	254	24	.	.	PUNCT
ajssms-473	255	1	ijaiya	ijaiya	PROPN
ajssms-473	255	2	,	,	PUNCT
ajssms-473	255	3	g.t	g.t	PROPN
ajssms-473	255	4	.	.	PROPN
ajssms-473	255	5	,	,	PUNCT
ajssms-473	255	6	2002	2002	NUM
ajssms-473	255	7	.	.	PUNCT
ajssms-473	256	1	the	the	DET
ajssms-473	256	2	role	role	NOUN
ajssms-473	256	3	of	of	ADP
ajssms-473	256	4	informal	informal	ADJ
ajssms-473	256	5	sector	sector	NOUN
ajssms-473	256	6	in	in	ADP
ajssms-473	256	7	minimizing	minimize	VERB
ajssms-473	256	8	poverty	poverty	NOUN
ajssms-473	256	9	in	in	ADP
ajssms-473	256	10	ilorin	ilorin	PROPN
ajssms-473	256	11	metropolis	metropolis	PROPN
ajssms-473	256	12	.	.	PUNCT
ajssms-473	257	1	unpublished	unpublished	ADJ
ajssms-473	257	2	phd	phd	NOUN
ajssms-473	257	3	thesis	thesis	NOUN
ajssms-473	257	4	.	.	PUNCT
ajssms-473	258	1	department	department	NOUN
ajssms-473	258	2	of	of	ADP
ajssms-473	258	3	economics	economics	PROPN
ajssms-473	258	4	,	,	PUNCT
ajssms-473	258	5	usman	usman	PROPN
ajssms-473	258	6	dan	dan	PROPN
ajssms-473	258	7	fodiyo	fodiyo	PROPN
ajssms-473	258	8	university	university	PROPN
ajssms-473	258	9	,	,	PUNCT
ajssms-473	258	10	sokoto	sokoto	PROPN
ajssms-473	258	11	,	,	PUNCT
ajssms-473	258	12	nigeria	nigeria	PROPN
ajssms-473	258	13	.	.	PUNCT
ajssms-473	259	1	mckinnon	mckinnon	PROPN
ajssms-473	259	2	,	,	PUNCT
ajssms-473	259	3	r.	r.	PROPN
ajssms-473	259	4	,	,	PUNCT
ajssms-473	259	5	1973	1973	NUM
ajssms-473	259	6	.	.	PUNCT
ajssms-473	260	1	money	money	NOUN
ajssms-473	260	2	and	and	CCONJ
ajssms-473	260	3	capital	capital	NOUN
ajssms-473	260	4	in	in	ADP
ajssms-473	260	5	economic	economic	ADJ
ajssms-473	260	6	development	development	NOUN
ajssms-473	260	7	.	.	PUNCT
ajssms-473	261	1	1st	1st	ADJ
ajssms-473	261	2	edn	edn	PROPN
ajssms-473	261	3	.	.	PUNCT
ajssms-473	262	1	,	,	PUNCT
ajssms-473	262	2	washington	washington	PROPN
ajssms-473	262	3	dc	dc	PROPN
ajssms-473	262	4	.	.	PUNCT
ajssms-473	262	5	usa	usa	PROPN
ajssms-473	262	6	:	:	PUNCT
ajssms-473	262	7	broking	broking	NOUN
ajssms-473	262	8	institution	institution	NOUN
ajssms-473	262	9	.	.	PUNCT
ajssms-473	263	1	noah	noah	PROPN
ajssms-473	263	2	,	,	PUNCT
ajssms-473	263	3	y.i	y.i	PROPN
ajssms-473	263	4	.	.	PROPN
ajssms-473	263	5	,	,	PUNCT
ajssms-473	263	6	i.	i.	PROPN
ajssms-473	263	7	gafar	gafar	PROPN
ajssms-473	263	8	and	and	CCONJ
ajssms-473	263	9	a.i	a.i	PROPN
ajssms-473	263	10	.	.	PROPN
ajssms-473	263	11	muftau	muftau	PROPN
ajssms-473	263	12	,	,	PUNCT
ajssms-473	263	13	2009	2009	NUM
ajssms-473	263	14	.	.	PUNCT
ajssms-473	264	1	informal	informal	ADJ
ajssms-473	264	2	finance	finance	NOUN
ajssms-473	264	3	institutions	institution	NOUN
ajssms-473	264	4	and	and	CCONJ
ajssms-473	264	5	poverty	poverty	NOUN
ajssms-473	264	6	reduction	reduction	NOUN
ajssms-473	264	7	in	in	ADP
ajssms-473	264	8	the	the	DET
ajssms-473	264	9	informal	informal	ADJ
ajssms-473	264	10	sector	sector	NOUN
ajssms-473	264	11	of	of	ADP
ajssms-473	264	12	offa	offa	NOUN
ajssms-473	264	13	town	town	NOUN
ajssms-473	264	14	,	,	PUNCT
ajssms-473	264	15	kwara	kwara	PROPN
ajssms-473	264	16	state	state	PROPN
ajssms-473	264	17	:	:	PUNCT
ajssms-473	264	18	a	a	DET
ajssms-473	264	19	case	case	NOUN
ajssms-473	264	20	study	study	NOUN
ajssms-473	264	21	of	of	ADP
ajssms-473	264	22	rotating	rotate	VERB
ajssms-473	264	23	savings	saving	NOUN
ajssms-473	264	24	and	and	CCONJ
ajssms-473	264	25	credit	credit	NOUN
ajssms-473	264	26	associations	association	NOUN
ajssms-473	264	27	.	.	PUNCT
ajssms-473	265	1	journal	journal	NOUN
ajssms-473	265	2	of	of	ADP
ajssms-473	265	3	social	social	ADJ
ajssms-473	265	4	science	science	NOUN
ajssms-473	265	5	,	,	PUNCT
ajssms-473	265	6	university	university	NOUN
ajssms-473	265	7	of	of	ADP
ajssms-473	265	8	ilorin	ilorin	NOUN
ajssms-473	265	9	,	,	PUNCT
ajssms-473	265	10	20(1	20(1	NUM
ajssms-473	265	11	):	):	PUNCT
ajssms-473	265	12	7181	7181	NUM
ajssms-473	265	13	.	.	PUNCT
ajssms-473	266	1	asian	asian	ADJ
ajssms-473	266	2	journal	journal	NOUN
ajssms-473	266	3	of	of	ADP
ajssms-473	266	4	social	social	ADJ
ajssms-473	266	5	sciences	sciences	PROPN
ajssms-473	266	6	and	and	CCONJ
ajssms-473	266	7	management	management	NOUN
ajssms-473	266	8	studies	study	NOUN
ajssms-473	266	9	,	,	PUNCT
ajssms-473	266	10	2016	2016	NUM
ajssms-473	266	11	,	,	PUNCT
ajssms-473	266	12	3(1	3(1	NUM
ajssms-473	266	13	):	):	PUNCT
ajssms-473	266	14	82	82	NUM
ajssms-473	266	15	-	-	SYM
ajssms-473	266	16	90	90	NUM
ajssms-473	266	17	90	90	NUM
ajssms-473	266	18	ramakrishma	ramakrishma	NOUN
ajssms-473	266	19	,	,	PUNCT
ajssms-473	266	20	g.	g.	PROPN
ajssms-473	266	21	and	and	CCONJ
ajssms-473	266	22	a.	a.	PROPN
ajssms-473	266	23	demeke	demeke	PROPN
ajssms-473	266	24	,	,	PUNCT
ajssms-473	266	25	2002	2002	NUM
ajssms-473	266	26	.	.	PUNCT
ajssms-473	267	1	an	an	DET
ajssms-473	267	2	empirical	empirical	ADJ
ajssms-473	267	3	analysis	analysis	NOUN
ajssms-473	267	4	is	be	AUX
ajssms-473	267	5	of	of	ADP
ajssms-473	267	6	food	food	NOUN
ajssms-473	267	7	insecurity	insecurity	NOUN
ajssms-473	267	8	in	in	ADP
ajssms-473	267	9	ethiopia	ethiopia	PROPN
ajssms-473	267	10	:	:	PUNCT
ajssms-473	267	11	the	the	DET
ajssms-473	267	12	case	case	NOUN
ajssms-473	267	13	north	north	NOUN
ajssms-473	267	14	wollo	wollo	PROPN
ajssms-473	267	15	.	.	PUNCT
ajssms-473	268	1	council	council	NOUN
ajssms-473	268	2	for	for	ADP
ajssms-473	268	3	the	the	DET
ajssms-473	268	4	development	development	NOUN
ajssms-473	268	5	of	of	ADP
ajssms-473	268	6	social	social	ADJ
ajssms-473	268	7	science	science	NOUN
ajssms-473	268	8	research	research	NOUN
ajssms-473	268	9	in	in	ADP
ajssms-473	268	10	africa	africa	PROPN
ajssms-473	268	11	:	:	PUNCT
ajssms-473	268	12	addis	addis	PROPN
ajssms-473	268	13	ababa	ababa	PROPN
ajssms-473	268	14	.	.	PUNCT
ajssms-473	269	1	africa	africa	PROPN
ajssms-473	269	2	development	development	PROPN
ajssms-473	269	3	,	,	PUNCT
ajssms-473	269	4	27(1	27(1	NUM
ajssms-473	269	5	&	&	CCONJ
ajssms-473	269	6	2	2	NUM
ajssms-473	269	7	):	):	PUNCT
ajssms-473	269	8	127	127	NUM
ajssms-473	269	9	-	-	SYM
ajssms-473	269	10	143	143	NUM
ajssms-473	269	11	.	.	PUNCT
ajssms-473	270	1	shaw	shaw	PROPN
ajssms-473	270	2	,	,	PUNCT
ajssms-473	270	3	e.s	e.s	PROPN
ajssms-473	270	4	.	.	PROPN
ajssms-473	270	5	,	,	PUNCT
ajssms-473	270	6	1973	1973	NUM
ajssms-473	270	7	.	.	PUNCT
ajssms-473	271	1	financial	financial	ADJ
ajssms-473	271	2	deepening	deepening	NOUN
ajssms-473	271	3	in	in	ADP
ajssms-473	271	4	economic	economic	ADJ
ajssms-473	271	5	development	development	NOUN
ajssms-473	271	6	.	.	PUNCT
ajssms-473	272	1	new	new	PROPN
ajssms-473	272	2	york	york	PROPN
ajssms-473	272	3	:	:	PUNCT
ajssms-473	272	4	oxford	oxford	PROPN
ajssms-473	272	5	university	university	PROPN
ajssms-473	272	6	press	press	NOUN
ajssms-473	272	7	.	.	PUNCT
ajssms-473	273	1	world	world	PROPN
ajssms-473	273	2	bank	bank	PROPN
ajssms-473	273	3	,	,	PUNCT
ajssms-473	273	4	1990	1990	NUM
ajssms-473	273	5	.	.	PUNCT
ajssms-473	274	1	world	world	PROPN
ajssms-473	274	2	bank	bank	PROPN
ajssms-473	274	3	development	development	PROPN
ajssms-473	274	4	.	.	PUNCT
ajssms-473	275	1	reporting	report	VERB
ajssms-473	275	2	poverty	poverty	NOUN
ajssms-473	275	3	.	.	PUNCT
ajssms-473	276	1	new	new	PROPN
ajssms-473	276	2	york	york	PROPN
ajssms-473	276	3	:	:	PUNCT
ajssms-473	276	4	oxford	oxford	PROPN
ajssms-473	276	5	university	university	PROPN
ajssms-473	276	6	press	press	NOUN
ajssms-473	276	7	.	.	PUNCT
ajssms-473	277	1	world	world	PROPN
ajssms-473	277	2	bank	bank	PROPN
ajssms-473	277	3	,	,	PUNCT
ajssms-473	277	4	1996	1996	NUM
ajssms-473	277	5	.	.	PUNCT
ajssms-473	278	1	poverty	poverty	NOUN
ajssms-473	278	2	in	in	ADP
ajssms-473	278	3	the	the	DET
ajssms-473	278	4	midst	midst	NOUN
ajssms-473	278	5	of	of	ADP
ajssms-473	278	6	plenty	plenty	NOUN
ajssms-473	278	7	:	:	PUNCT
ajssms-473	278	8	the	the	DET
ajssms-473	278	9	challenge	challenge	NOUN
ajssms-473	278	10	of	of	ADP
ajssms-473	278	11	growth	growth	NOUN
ajssms-473	278	12	with	with	ADP
ajssms-473	278	13	inclusion	inclusion	NOUN
ajssms-473	278	14	.	.	PUNCT
ajssms-473	279	1	a	a	DET
ajssms-473	279	2	world	world	NOUN
ajssms-473	279	3	bank	bank	NOUN
ajssms-473	279	4	poverty	poverty	NOUN
ajssms-473	279	5	assessment	assessment	NOUN
ajssms-473	279	6	report	report	NOUN
ajssms-473	279	7	,	,	PUNCT
ajssms-473	279	8	population	population	NOUN
ajssms-473	279	9	of	of	ADP
ajssms-473	279	10	human	human	ADJ
ajssms-473	279	11	research	research	NOUN
ajssms-473	279	12	division	division	NOUN
ajssms-473	279	13	,	,	PUNCT
ajssms-473	279	14	world	world	PROPN
ajssms-473	279	15	bank	bank	PROPN
ajssms-473	279	16	.	.	PUNCT
ajssms-473	280	1	bibliography	bibliography	NOUN
ajssms-473	280	2	aryeetey	aryeetey	PROPN
ajssms-473	280	3	,	,	PUNCT
ajssms-473	280	4	e.	e.	PROPN
ajssms-473	280	5	,	,	PUNCT
ajssms-473	280	6	1998	1998	NUM
ajssms-473	280	7	.	.	PUNCT
ajssms-473	281	1	informal	informal	ADJ
ajssms-473	281	2	finance	finance	NOUN
ajssms-473	281	3	for	for	ADP
ajssms-473	281	4	private	private	ADJ
ajssms-473	281	5	sector	sector	NOUN
ajssms-473	281	6	development	development	NOUN
ajssms-473	281	7	in	in	ADP
ajssms-473	281	8	africa	africa	PROPN
ajssms-473	281	9	.	.	PUNCT
ajssms-473	282	1	african	african	PROPN
ajssms-473	282	2	development	development	PROPN
ajssms-473	282	3	bank	bank	PROPN
ajssms-473	282	4	economic	economic	PROPN
ajssms-473	282	5	research	research	NOUN
ajssms-473	282	6	paper	paper	NOUN
ajssms-473	282	7	.	.	PUNCT
ajssms-473	283	1	no	no	INTJ
ajssms-473	283	2	.	.	NOUN
ajssms-473	284	1	41	41	NUM
ajssms-473	284	2	.	.	PUNCT
ajssms-473	285	1	cenral	cenral	ADJ
ajssms-473	285	2	bank	bank	PROPN
ajssms-473	285	3	of	of	ADP
ajssms-473	285	4	nigeria	nigeria	PROPN
ajssms-473	285	5	,	,	PUNCT
ajssms-473	285	6	c.b.n	c.b.n	PROPN
ajssms-473	285	7	.	.	PROPN
ajssms-473	285	8	,	,	PUNCT
ajssms-473	285	9	2000	2000	NUM
ajssms-473	285	10	.	.	PUNCT
ajssms-473	286	1	changing	change	VERB
ajssms-473	286	2	structure	structure	NOUN
ajssms-473	286	3	of	of	ADP
ajssms-473	286	4	nigerian	nigerian	ADJ
ajssms-473	286	5	economy	economy	NOUN
ajssms-473	286	6	and	and	CCONJ
ajssms-473	286	7	implication	implication	NOUN
ajssms-473	286	8	for	for	ADP
ajssms-473	286	9	development	development	NOUN
ajssms-473	286	10	.	.	PUNCT
ajssms-473	287	1	lagos	lago	NOUN
ajssms-473	287	2	:	:	PUNCT
ajssms-473	287	3	realm	realm	PROPN
ajssms-473	287	4	communications	communications	PROPN
ajssms-473	287	5	ltd	ltd	PROPN
ajssms-473	287	6	.	.	PROPN
ajssms-473	287	7	world	world	PROPN
ajssms-473	287	8	bank	bank	PROPN
ajssms-473	287	9	,	,	PUNCT
ajssms-473	287	10	2001	2001	NUM
ajssms-473	287	11	.	.	PUNCT
ajssms-473	288	1	attacking	attack	VERB
ajssms-473	288	2	poverty	poverty	NOUN
ajssms-473	288	3	:	:	PUNCT
ajssms-473	288	4	world	world	NOUN
ajssms-473	288	5	development	development	PROPN
ajssms-473	288	6	report	report	PROPN
ajssms-473	288	7	.	.	PUNCT
ajssms-473	289	1	new	new	PROPN
ajssms-473	289	2	york	york	PROPN
ajssms-473	289	3	:	:	PUNCT
ajssms-473	289	4	oxford	oxford	PROPN
ajssms-473	289	5	university	university	PROPN
ajssms-473	289	6	press	press	NOUN
ajssms-473	289	7	.	.	PUNCT
ajssms-473	290	1	asian	asian	ADJ
ajssms-473	290	2	online	online	PROPN
ajssms-473	290	3	journal	journal	PROPN
ajssms-473	290	4	publishing	publishing	NOUN
ajssms-473	290	5	group	group	NOUN
ajssms-473	290	6	is	be	AUX
ajssms-473	290	7	not	not	PART
ajssms-473	290	8	responsible	responsible	ADJ
ajssms-473	290	9	or	or	CCONJ
ajssms-473	290	10	answerable	answerable	ADJ
ajssms-473	290	11	for	for	ADP
ajssms-473	290	12	any	any	DET
ajssms-473	290	13	loss	loss	NOUN
ajssms-473	290	14	,	,	PUNCT
ajssms-473	290	15	damage	damage	NOUN
ajssms-473	290	16	or	or	CCONJ
ajssms-473	290	17	liability	liability	NOUN
ajssms-473	290	18	,	,	PUNCT
ajssms-473	290	19	etc	etc	X
ajssms-473	290	20	.	.	X
ajssms-473	290	21	caused	cause	VERB
ajssms-473	290	22	in	in	ADP
ajssms-473	290	23	relation	relation	NOUN
ajssms-473	290	24	to	to	PART
ajssms-473	290	25	/	/	PUNCT
ajssms-473	290	26	arising	arise	VERB
ajssms-473	290	27	out	out	ADP
ajssms-473	290	28	of	of	ADP
ajssms-473	290	29	the	the	DET
ajssms-473	290	30	use	use	NOUN
ajssms-473	290	31	of	of	ADP
ajssms-473	290	32	the	the	DET
ajssms-473	290	33	content	content	NOUN
ajssms-473	290	34	.	.	PUNCT
ajssms-473	291	1	any	any	DET
ajssms-473	291	2	queries	query	NOUN
ajssms-473	291	3	should	should	AUX
ajssms-473	291	4	be	be	AUX
ajssms-473	291	5	directed	direct	VERB
ajssms-473	291	6	to	to	ADP
ajssms-473	291	7	the	the	DET
ajssms-473	291	8	corresponding	corresponding	ADJ
ajssms-473	291	9	author	author	NOUN
ajssms-473	291	10	of	of	ADP
ajssms-473	291	11	the	the	DET
ajssms-473	291	12	article	article	NOUN
ajssms-473	291	13	.	.	PUNCT