id	sid	tid	token	lemma	pos
afbr-600	1	1	copyright	copyright	NOUN
afbr-600	1	2	©	©	PROPN
afbr-600	1	3	cc	cc	PROPN
afbr-600	1	4	-	-	PUNCT
afbr-600	1	5	by	by	ADP
afbr-600	1	6	-	-	PUNCT
afbr-600	1	7	nc	nc	PROPN
afbr-600	1	8	2020	2020	NUM
afbr-600	1	9	,	,	PUNCT
afbr-600	1	10	cribfb	cribfb	PROPN
afbr-600	1	11	|	|	ADV
afbr-600	1	12	afbr	afbr	SCONJ
afbr-600	1	13	australian	australian	ADJ
afbr-600	1	14	finance	finance	NOUN
afbr-600	1	15	&	&	CCONJ
afbr-600	1	16	banking	banking	PROPN
afbr-600	1	17	review	review	PROPN
afbr-600	1	18	;	;	PUNCT
afbr-600	1	19	vol	vol	NOUN
afbr-600	1	20	.	.	NOUN
afbr-600	1	21	4	4	NUM
afbr-600	1	22	,	,	PUNCT
afbr-600	1	23	no	no	INTJ
afbr-600	1	24	.	.	NOUN
afbr-600	1	25	1	1	NUM
afbr-600	1	26	;	;	PUNCT
afbr-600	1	27	2020	2020	NUM
afbr-600	1	28	issn	issn	VERB
afbr-600	1	29	2576	2576	NUM
afbr-600	1	30	-	-	SYM
afbr-600	1	31	1196	1196	NUM
afbr-600	1	32	e	e	NOUN
afbr-600	1	33	-	-	PROPN
afbr-600	1	34	issn	issn	ADJ
afbr-600	1	35	2576	2576	NUM
afbr-600	1	36	-	-	PUNCT
afbr-600	1	37	120x	120x	NUM
afbr-600	1	38	published	publish	VERB
afbr-600	1	39	by	by	ADP
afbr-600	1	40	centre	centre	NOUN
afbr-600	1	41	for	for	ADP
afbr-600	1	42	research	research	NOUN
afbr-600	1	43	on	on	ADP
afbr-600	1	44	islamic	islamic	ADJ
afbr-600	1	45	banking	banking	PROPN
afbr-600	1	46	&	&	CCONJ
afbr-600	1	47	finance	finance	PROPN
afbr-600	1	48	and	and	CCONJ
afbr-600	1	49	business	business	NOUN
afbr-600	1	50	,	,	PUNCT
afbr-600	1	51	usa	usa	PROPN
afbr-600	1	52	18	18	NUM
afbr-600	1	53	deposit	deposit	NOUN
afbr-600	1	54	money	money	NOUN
afbr-600	1	55	bank	bank	NOUN
afbr-600	1	56	policy	policy	NOUN
afbr-600	1	57	and	and	CCONJ
afbr-600	1	58	private	private	ADJ
afbr-600	1	59	sector	sector	NOUN
afbr-600	1	60	funding	funding	NOUN
afbr-600	1	61	:	:	PUNCT
afbr-600	1	62	a	a	DET
afbr-600	1	63	multi	multi	ADJ
afbr-600	1	64	-	-	ADJ
afbr-600	1	65	dimensional	dimensional	ADJ
afbr-600	1	66	study	study	NOUN
afbr-600	1	67	from	from	ADP
afbr-600	1	68	nigeria	nigeria	PROPN
afbr-600	1	69	zaagha	zaagha	PROPN
afbr-600	1	70	alexander	alexander	PROPN
afbr-600	1	71	sulaiman	sulaiman	PROPN
afbr-600	1	72	department	department	PROPN
afbr-600	1	73	of	of	ADP
afbr-600	1	74	banking	banking	NOUN
afbr-600	1	75	and	and	CCONJ
afbr-600	1	76	finance	finance	NOUN
afbr-600	1	77	rivers	river	NOUN
afbr-600	1	78	state	state	PROPN
afbr-600	1	79	university	university	PROPN
afbr-600	1	80	,	,	PUNCT
afbr-600	1	81	port	port	NOUN
afbr-600	1	82	harcourt	harcourt	PROPN
afbr-600	1	83	,	,	PUNCT
afbr-600	1	84	nigeria	nigeria	PROPN
afbr-600	1	85	e	e	NOUN
afbr-600	1	86	-	-	NOUN
afbr-600	1	87	mail	mail	NOUN
afbr-600	1	88	:	:	PUNCT
afbr-600	1	89	zaaghi75@gmail.com	zaaghi75@gmail.com	X
afbr-600	1	90	murray	murray	PROPN
afbr-600	1	91	monday	monday	PROPN
afbr-600	1	92	ebike	ebike	PROPN
afbr-600	1	93	department	department	PROPN
afbr-600	1	94	of	of	ADP
afbr-600	1	95	banking	banking	NOUN
afbr-600	1	96	and	and	CCONJ
afbr-600	1	97	finance	finance	NOUN
afbr-600	1	98	rivers	river	NOUN
afbr-600	1	99	state	state	PROPN
afbr-600	1	100	university	university	PROPN
afbr-600	1	101	,	,	PUNCT
afbr-600	1	102	port	port	NOUN
afbr-600	1	103	harcourt	harcourt	PROPN
afbr-600	1	104	,	,	PUNCT
afbr-600	1	105	nigeria	nigeria	PROPN
afbr-600	1	106	e	e	NOUN
afbr-600	1	107	-	-	NOUN
afbr-600	1	108	mail	mail	NOUN
afbr-600	1	109	:	:	PUNCT
afbr-600	2	1	fathermurraye@gmail.com	fathermurraye@gmail.com	X
afbr-600	3	1	abstract	abstract	ADJ
afbr-600	3	2	this	this	DET
afbr-600	3	3	study	study	NOUN
afbr-600	3	4	empirically	empirically	ADV
afbr-600	3	5	examined	examine	VERB
afbr-600	3	6	the	the	DET
afbr-600	3	7	effect	effect	NOUN
afbr-600	3	8	of	of	ADP
afbr-600	3	9	deposit	deposit	NOUN
afbr-600	3	10	money	money	NOUN
afbr-600	3	11	banks	bank	NOUN
afbr-600	3	12	policy	policy	NOUN
afbr-600	3	13	on	on	ADP
afbr-600	3	14	private	private	ADJ
afbr-600	3	15	sector	sector	NOUN
afbr-600	3	16	funding	funding	NOUN
afbr-600	3	17	in	in	ADP
afbr-600	3	18	nigeria	nigeria	PROPN
afbr-600	3	19	.	.	PUNCT
afbr-600	4	1	time	time	PROPN
afbr-600	4	2	series	series	PROPN
afbr-600	4	3	data	data	PROPN
afbr-600	4	4	was	be	AUX
afbr-600	4	5	sourced	source	VERB
afbr-600	4	6	from	from	ADP
afbr-600	4	7	central	central	ADJ
afbr-600	4	8	bank	bank	PROPN
afbr-600	4	9	of	of	ADP
afbr-600	4	10	nigeria	nigeria	PROPN
afbr-600	4	11	statistical	statistical	ADJ
afbr-600	4	12	bulletin	bulletin	NOUN
afbr-600	4	13	from	from	ADP
afbr-600	4	14	1985	1985	NUM
afbr-600	4	15	-	-	SYM
afbr-600	4	16	2018	2018	NUM
afbr-600	4	17	.	.	PUNCT
afbr-600	5	1	credit	credit	NOUN
afbr-600	5	2	to	to	ADP
afbr-600	5	3	private	private	ADJ
afbr-600	5	4	sector	sector	NOUN
afbr-600	5	5	,	,	PUNCT
afbr-600	5	6	credit	credit	NOUN
afbr-600	5	7	to	to	PART
afbr-600	5	8	core	core	VERB
afbr-600	5	9	private	private	ADJ
afbr-600	5	10	sector	sector	NOUN
afbr-600	5	11	and	and	CCONJ
afbr-600	5	12	credit	credit	NOUN
afbr-600	5	13	to	to	ADP
afbr-600	5	14	small	small	ADJ
afbr-600	5	15	and	and	CCONJ
afbr-600	5	16	medium	medium	ADJ
afbr-600	5	17	scale	scale	NOUN
afbr-600	5	18	enterprises	enterprise	NOUN
afbr-600	5	19	was	be	AUX
afbr-600	5	20	used	use	VERB
afbr-600	5	21	as	as	ADP
afbr-600	5	22	dependent	dependent	ADJ
afbr-600	5	23	variables	variable	NOUN
afbr-600	5	24	while	while	SCONJ
afbr-600	5	25	liquidity	liquidity	NOUN
afbr-600	5	26	ratio	ratio	NOUN
afbr-600	5	27	and	and	CCONJ
afbr-600	5	28	loan	loan	NOUN
afbr-600	5	29	to	to	PART
afbr-600	5	30	deposit	deposit	NOUN
afbr-600	5	31	ratio	ratio	NOUN
afbr-600	5	32	was	be	AUX
afbr-600	5	33	used	use	VERB
afbr-600	5	34	as	as	ADP
afbr-600	5	35	independent	independent	ADJ
afbr-600	5	36	variables	variable	NOUN
afbr-600	5	37	.	.	PUNCT
afbr-600	6	1	ordinary	ordinary	ADJ
afbr-600	6	2	least	least	ADJ
afbr-600	6	3	square	square	ADJ
afbr-600	6	4	(	(	PUNCT
afbr-600	6	5	ols	ol	NOUN
afbr-600	6	6	)	)	PUNCT
afbr-600	6	7	,	,	PUNCT
afbr-600	6	8	augmented	augment	VERB
afbr-600	6	9	dickey	dickey	PROPN
afbr-600	6	10	fuller	full	ADJ
afbr-600	6	11	test	test	NOUN
afbr-600	6	12	,	,	PUNCT
afbr-600	6	13	johansen	johansen	PROPN
afbr-600	6	14	co	co	PROPN
afbr-600	6	15	-	-	NOUN
afbr-600	6	16	integration	integration	NOUN
afbr-600	6	17	test	test	NOUN
afbr-600	6	18	,	,	PUNCT
afbr-600	6	19	normalized	normalize	VERB
afbr-600	6	20	co	co	ADJ
afbr-600	6	21	-	-	ADJ
afbr-600	6	22	integrating	integrating	ADJ
afbr-600	6	23	equations	equation	NOUN
afbr-600	6	24	,	,	PUNCT
afbr-600	6	25	parsimonious	parsimonious	ADJ
afbr-600	6	26	vector	vector	NOUN
afbr-600	6	27	error	error	NOUN
afbr-600	6	28	correction	correction	NOUN
afbr-600	6	29	model	model	NOUN
afbr-600	6	30	and	and	CCONJ
afbr-600	6	31	pair	pair	NOUN
afbr-600	6	32	-	-	PUNCT
afbr-600	6	33	wise	wise	ADJ
afbr-600	6	34	causality	causality	NOUN
afbr-600	6	35	tests	test	NOUN
afbr-600	6	36	were	be	AUX
afbr-600	6	37	used	use	VERB
afbr-600	6	38	to	to	PART
afbr-600	6	39	conduct	conduct	VERB
afbr-600	6	40	the	the	DET
afbr-600	6	41	investigations	investigation	NOUN
afbr-600	6	42	and	and	CCONJ
afbr-600	6	43	analysis	analysis	NOUN
afbr-600	6	44	.	.	PUNCT
afbr-600	7	1	the	the	DET
afbr-600	7	2	empirical	empirical	ADJ
afbr-600	7	3	findings	finding	NOUN
afbr-600	7	4	revealed	reveal	VERB
afbr-600	7	5	that	that	SCONJ
afbr-600	7	6	deposit	deposit	NOUN
afbr-600	7	7	money	money	NOUN
afbr-600	7	8	banks	bank	NOUN
afbr-600	7	9	policy	policy	NOUN
afbr-600	7	10	explains	explain	VERB
afbr-600	7	11	40.8	40.8	NUM
afbr-600	7	12	percent	percent	NOUN
afbr-600	7	13	variation	variation	NOUN
afbr-600	7	14	on	on	ADP
afbr-600	7	15	credit	credit	NOUN
afbr-600	7	16	to	to	AUX
afbr-600	7	17	core	core	VERB
afbr-600	7	18	private	private	ADJ
afbr-600	7	19	sector	sector	NOUN
afbr-600	7	20	,	,	PUNCT
afbr-600	7	21	28.1	28.1	NUM
afbr-600	7	22	percent	percent	NOUN
afbr-600	7	23	and	and	CCONJ
afbr-600	7	24	58.9	58.9	NUM
afbr-600	7	25	percent	percent	NOUN
afbr-600	7	26	of	of	ADP
afbr-600	7	27	the	the	DET
afbr-600	7	28	variation	variation	NOUN
afbr-600	7	29	in	in	ADP
afbr-600	7	30	credit	credit	NOUN
afbr-600	7	31	to	to	AUX
afbr-600	7	32	core	core	VERB
afbr-600	7	33	private	private	ADJ
afbr-600	7	34	sector	sector	NOUN
afbr-600	7	35	and	and	CCONJ
afbr-600	7	36	credit	credit	NOUN
afbr-600	7	37	to	to	ADP
afbr-600	7	38	small	small	ADJ
afbr-600	7	39	and	and	CCONJ
afbr-600	7	40	medium	medium	ADJ
afbr-600	7	41	scale	scale	NOUN
afbr-600	7	42	enterprises	enterprise	NOUN
afbr-600	7	43	sector	sector	NOUN
afbr-600	7	44	.	.	PUNCT
afbr-600	8	1	the	the	DET
afbr-600	8	2	study	study	NOUN
afbr-600	8	3	conclude	conclude	VERB
afbr-600	8	4	that	that	SCONJ
afbr-600	8	5	deposit	deposit	NOUN
afbr-600	8	6	money	money	NOUN
afbr-600	8	7	banks	bank	NOUN
afbr-600	8	8	policy	policy	NOUN
afbr-600	8	9	has	have	VERB
afbr-600	8	10	no	no	DET
afbr-600	8	11	significant	significant	ADJ
afbr-600	8	12	relationship	relationship	NOUN
afbr-600	8	13	with	with	ADP
afbr-600	8	14	credit	credit	NOUN
afbr-600	8	15	to	to	ADP
afbr-600	8	16	private	private	ADJ
afbr-600	8	17	sector	sector	NOUN
afbr-600	8	18	and	and	CCONJ
afbr-600	8	19	credit	credit	NOUN
afbr-600	8	20	to	to	PART
afbr-600	8	21	core	core	VERB
afbr-600	8	22	private	private	ADJ
afbr-600	8	23	sector	sector	NOUN
afbr-600	8	24	but	but	CCONJ
afbr-600	8	25	has	have	VERB
afbr-600	8	26	significant	significant	ADJ
afbr-600	8	27	relation	relation	NOUN
afbr-600	8	28	with	with	ADP
afbr-600	8	29	credit	credit	NOUN
afbr-600	8	30	to	to	ADP
afbr-600	8	31	small	small	ADJ
afbr-600	8	32	and	and	CCONJ
afbr-600	8	33	medium	medium	ADJ
afbr-600	8	34	scale	scale	NOUN
afbr-600	8	35	enterprises	enterprise	NOUN
afbr-600	8	36	sector	sector	NOUN
afbr-600	8	37	.	.	PUNCT
afbr-600	9	1	from	from	ADP
afbr-600	9	2	the	the	DET
afbr-600	9	3	findings	finding	NOUN
afbr-600	9	4	,	,	PUNCT
afbr-600	9	5	the	the	DET
afbr-600	9	6	study	study	NOUN
afbr-600	9	7	recommends	recommend	VERB
afbr-600	9	8	compliance	compliance	NOUN
afbr-600	9	9	to	to	PART
afbr-600	9	10	deposit	deposit	VERB
afbr-600	9	11	money	money	NOUN
afbr-600	9	12	banks	bank	NOUN
afbr-600	9	13	policies	policy	NOUN
afbr-600	9	14	;	;	PUNCT
afbr-600	9	15	this	this	PRON
afbr-600	9	16	will	will	AUX
afbr-600	9	17	enhance	enhance	VERB
afbr-600	9	18	effective	effective	ADJ
afbr-600	9	19	financial	financial	ADJ
afbr-600	9	20	intermediation	intermediation	NOUN
afbr-600	9	21	and	and	CCONJ
afbr-600	9	22	increase	increase	VERB
afbr-600	9	23	funding	funding	NOUN
afbr-600	9	24	of	of	ADP
afbr-600	9	25	the	the	DET
afbr-600	9	26	private	private	ADJ
afbr-600	9	27	sector	sector	NOUN
afbr-600	9	28	.	.	PUNCT
afbr-600	10	1	there	there	PRON
afbr-600	10	2	is	be	VERB
afbr-600	10	3	also	also	ADV
afbr-600	10	4	need	need	NOUN
afbr-600	10	5	for	for	SCONJ
afbr-600	10	6	the	the	DET
afbr-600	10	7	regulatory	regulatory	ADJ
afbr-600	10	8	authorities	authority	NOUN
afbr-600	10	9	to	to	PART
afbr-600	10	10	harmonize	harmonize	VERB
afbr-600	10	11	the	the	DET
afbr-600	10	12	various	various	ADJ
afbr-600	10	13	deposit	deposit	NOUN
afbr-600	10	14	money	money	NOUN
afbr-600	10	15	banks	bank	NOUN
afbr-600	10	16	policies	policy	NOUN
afbr-600	10	17	with	with	ADP
afbr-600	10	18	the	the	DET
afbr-600	10	19	objective	objective	NOUN
afbr-600	10	20	of	of	ADP
afbr-600	10	21	enhancing	enhance	VERB
afbr-600	10	22	private	private	ADJ
afbr-600	10	23	sector	sector	NOUN
afbr-600	10	24	funding	funding	NOUN
afbr-600	10	25	.	.	PUNCT
afbr-600	11	1	there	there	PRON
afbr-600	11	2	is	be	VERB
afbr-600	11	3	need	need	NOUN
afbr-600	11	4	to	to	PART
afbr-600	11	5	decentralize	decentralize	VERB
afbr-600	11	6	the	the	DET
afbr-600	11	7	operation	operation	NOUN
afbr-600	11	8	of	of	ADP
afbr-600	11	9	the	the	DET
afbr-600	11	10	deposit	deposit	NOUN
afbr-600	11	11	money	money	NOUN
afbr-600	11	12	banks	bank	NOUN
afbr-600	11	13	in	in	ADP
afbr-600	11	14	the	the	DET
afbr-600	11	15	urban	urban	ADJ
afbr-600	11	16	cities	city	NOUN
afbr-600	11	17	.	.	PUNCT
afbr-600	12	1	policies	policy	NOUN
afbr-600	12	2	should	should	AUX
afbr-600	12	3	be	be	AUX
afbr-600	12	4	formulated	formulate	VERB
afbr-600	12	5	to	to	PART
afbr-600	12	6	extend	extend	VERB
afbr-600	12	7	the	the	DET
afbr-600	12	8	operation	operation	NOUN
afbr-600	12	9	of	of	ADP
afbr-600	12	10	the	the	DET
afbr-600	12	11	deposit	deposit	NOUN
afbr-600	12	12	money	money	NOUN
afbr-600	12	13	banks	bank	NOUN
afbr-600	12	14	to	to	ADP
afbr-600	12	15	the	the	DET
afbr-600	12	16	rural	rural	ADJ
afbr-600	12	17	communities	community	NOUN
afbr-600	12	18	,	,	PUNCT
afbr-600	12	19	this	this	PRON
afbr-600	12	20	will	will	AUX
afbr-600	12	21	enable	enable	VERB
afbr-600	12	22	the	the	DET
afbr-600	12	23	institutions	institution	NOUN
afbr-600	12	24	to	to	PART
afbr-600	12	25	mobilize	mobilize	VERB
afbr-600	12	26	much	much	ADJ
afbr-600	12	27	deposit	deposit	NOUN
afbr-600	12	28	and	and	CCONJ
afbr-600	12	29	increase	increase	VERB
afbr-600	12	30	credit	credit	NOUN
afbr-600	12	31	to	to	ADP
afbr-600	12	32	the	the	DET
afbr-600	12	33	private	private	ADJ
afbr-600	12	34	sector	sector	NOUN
afbr-600	12	35	.	.	PUNCT
afbr-600	13	1	keywords	keyword	NOUN
afbr-600	13	2	:	:	PUNCT
afbr-600	13	3	deposit	deposit	VERB
afbr-600	13	4	money	money	NOUN
afbr-600	13	5	banks	bank	NOUN
afbr-600	13	6	policy	policy	NOUN
afbr-600	13	7	,	,	PUNCT
afbr-600	13	8	private	private	ADJ
afbr-600	13	9	sector	sector	NOUN
afbr-600	13	10	funding	funding	NOUN
afbr-600	13	11	,	,	PUNCT
afbr-600	13	12	liquidity	liquidity	NOUN
afbr-600	13	13	ratio	ratio	NOUN
afbr-600	13	14	,	,	PUNCT
afbr-600	13	15	loan	loan	NOUN
afbr-600	13	16	to	to	ADP
afbr-600	13	17	deposit	deposit	NOUN
afbr-600	13	18	ratio	ratio	NOUN
afbr-600	13	19	,	,	PUNCT
afbr-600	13	20	small	small	ADJ
afbr-600	13	21	and	and	CCONJ
afbr-600	13	22	medium	medium	ADJ
afbr-600	13	23	scale	scale	NOUN
afbr-600	13	24	enterprises	enterprise	NOUN
afbr-600	13	25	1	1	NUM
afbr-600	13	26	.	.	PUNCT
afbr-600	14	1	introduction	introduction	NOUN
afbr-600	14	2	the	the	DET
afbr-600	14	3	history	history	NOUN
afbr-600	14	4	of	of	ADP
afbr-600	14	5	banking	banking	NOUN
afbr-600	14	6	in	in	ADP
afbr-600	14	7	nigeria	nigeria	PROPN
afbr-600	14	8	dates	date	VERB
afbr-600	14	9	back	back	ADV
afbr-600	14	10	to1892	to1892	NOUN
afbr-600	15	1	when	when	SCONJ
afbr-600	15	2	african	african	ADJ
afbr-600	15	3	banking	banking	NOUN
afbr-600	15	4	corporation	corporation	NOUN
afbr-600	15	5	and	and	CCONJ
afbr-600	15	6	bank	bank	PROPN
afbr-600	15	7	of	of	ADP
afbr-600	15	8	british	british	PROPN
afbr-600	15	9	west	west	PROPN
afbr-600	15	10	africa	africa	PROPN
afbr-600	15	11	now	now	ADV
afbr-600	15	12	first	first	PROPN
afbr-600	15	13	bank	bank	NOUN
afbr-600	15	14	was	be	AUX
afbr-600	15	15	established	establish	VERB
afbr-600	15	16	.	.	PUNCT
afbr-600	16	1	this	this	PRON
afbr-600	16	2	means	mean	VERB
afbr-600	16	3	that	that	SCONJ
afbr-600	16	4	banking	banking	NOUN
afbr-600	16	5	business	business	NOUN
afbr-600	16	6	has	have	AUX
afbr-600	16	7	existed	exist	VERB
afbr-600	16	8	for	for	ADP
afbr-600	16	9	over	over	ADP
afbr-600	16	10	one	one	NUM
afbr-600	16	11	century	century	NOUN
afbr-600	16	12	in	in	ADP
afbr-600	16	13	nigeria	nigeria	PROPN
afbr-600	16	14	(	(	PUNCT
afbr-600	16	15	olukayode	olukayode	ADJ
afbr-600	16	16	and	and	CCONJ
afbr-600	16	17	somoye	somoye	NOUN
afbr-600	16	18	,	,	PUNCT
afbr-600	16	19	2018	2018	NUM
afbr-600	16	20	)	)	PUNCT
afbr-600	16	21	.	.	PUNCT
afbr-600	17	1	deposit	deposit	NOUN
afbr-600	17	2	money	money	NOUN
afbr-600	17	3	banks	bank	NOUN
afbr-600	17	4	are	be	AUX
afbr-600	17	5	empowered	empower	VERB
afbr-600	17	6	by	by	ADP
afbr-600	17	7	law	law	NOUN
afbr-600	17	8	to	to	PART
afbr-600	17	9	undertake	undertake	VERB
afbr-600	17	10	the	the	DET
afbr-600	17	11	business	business	NOUN
afbr-600	17	12	of	of	ADP
afbr-600	17	13	lending	lending	NOUN
afbr-600	17	14	and	and	CCONJ
afbr-600	17	15	borrowing	borrowing	NOUN
afbr-600	17	16	in	in	ADP
afbr-600	17	17	the	the	DET
afbr-600	17	18	economy	economy	NOUN
afbr-600	17	19	,	,	PUNCT
afbr-600	17	20	the	the	DET
afbr-600	17	21	function	function	NOUN
afbr-600	17	22	bridge	bridge	NOUN
afbr-600	17	23	the	the	DET
afbr-600	17	24	savings	saving	NOUN
afbr-600	17	25	and	and	CCONJ
afbr-600	17	26	investment	investment	NOUN
afbr-600	17	27	gap	gap	NOUN
afbr-600	17	28	.	.	PUNCT
afbr-600	18	1	this	this	DET
afbr-600	18	2	responsibility	responsibility	NOUN
afbr-600	18	3	evolved	evolve	VERB
afbr-600	18	4	over	over	ADP
afbr-600	18	5	time	time	NOUN
afbr-600	18	6	and	and	CCONJ
afbr-600	18	7	expanded	expand	VERB
afbr-600	18	8	to	to	PART
afbr-600	18	9	include	include	VERB
afbr-600	18	10	investment	investment	NOUN
afbr-600	18	11	management	management	NOUN
afbr-600	18	12	,	,	PUNCT
afbr-600	18	13	maintenance	maintenance	NOUN
afbr-600	18	14	of	of	ADP
afbr-600	18	15	payments	payment	NOUN
afbr-600	18	16	system	system	NOUN
afbr-600	18	17	,	,	PUNCT
afbr-600	18	18	trade	trade	NOUN
afbr-600	18	19	transactions	transaction	NOUN
afbr-600	18	20	,	,	PUNCT
afbr-600	18	21	cards	card	NOUN
afbr-600	18	22	and	and	CCONJ
afbr-600	18	23	e	e	NOUN
afbr-600	18	24	-	-	NOUN
afbr-600	18	25	payments	payment	NOUN
afbr-600	18	26	.	.	PUNCT
afbr-600	19	1	banking	banking	NOUN
afbr-600	19	2	activities	activity	NOUN
afbr-600	19	3	are	be	AUX
afbr-600	19	4	guided	guide	VERB
afbr-600	19	5	by	by	ADP
afbr-600	19	6	policies	policy	NOUN
afbr-600	19	7	directed	direct	VERB
afbr-600	19	8	toward	toward	ADP
afbr-600	19	9	achieving	achieve	VERB
afbr-600	19	10	economic	economic	ADJ
afbr-600	19	11	goals	goal	NOUN
afbr-600	19	12	and	and	CCONJ
afbr-600	19	13	enhance	enhance	VERB
afbr-600	19	14	stability	stability	NOUN
afbr-600	19	15	of	of	ADP
afbr-600	19	16	the	the	DET
afbr-600	19	17	institutions	institution	NOUN
afbr-600	19	18	.	.	PUNCT
afbr-600	20	1	liquidity	liquidity	NOUN
afbr-600	20	2	policy	policy	NOUN
afbr-600	20	3	gives	give	VERB
afbr-600	20	4	information	information	NOUN
afbr-600	20	5	about	about	ADP
afbr-600	20	6	the	the	DET
afbr-600	20	7	general	general	ADJ
afbr-600	20	8	liquidity	liquidity	NOUN
afbr-600	20	9	shock	shock	NOUN
afbr-600	20	10	absorption	absorption	NOUN
afbr-600	20	11	capacity	capacity	NOUN
afbr-600	20	12	of	of	ADP
afbr-600	20	13	a	a	DET
afbr-600	20	14	bank	bank	NOUN
afbr-600	20	15	.	.	PUNCT
afbr-600	21	1	as	as	ADP
afbr-600	21	2	a	a	DET
afbr-600	21	3	general	general	ADJ
afbr-600	21	4	rule	rule	NOUN
afbr-600	21	5	,	,	PUNCT
afbr-600	21	6	the	the	PRON
afbr-600	21	7	higher	high	ADJ
afbr-600	21	8	the	the	DET
afbr-600	21	9	share	share	NOUN
afbr-600	21	10	of	of	ADP
afbr-600	21	11	liquid	liquid	ADJ
afbr-600	21	12	assets	asset	NOUN
afbr-600	21	13	in	in	ADP
afbr-600	21	14	total	total	ADJ
afbr-600	21	15	assets	asset	NOUN
afbr-600	21	16	,	,	PUNCT
afbr-600	21	17	the	the	PRON
afbr-600	21	18	higher	high	ADJ
afbr-600	21	19	the	the	DET
afbr-600	21	20	capacity	capacity	NOUN
afbr-600	21	21	to	to	PART
afbr-600	21	22	absorb	absorb	VERB
afbr-600	21	23	liquidity	liquidity	NOUN
afbr-600	21	24	shock	shock	NOUN
afbr-600	21	25	.	.	PUNCT
afbr-600	22	1	high	high	ADJ
afbr-600	22	2	value	value	NOUN
afbr-600	22	3	of	of	ADP
afbr-600	22	4	this	this	DET
afbr-600	22	5	ratio	ratio	NOUN
afbr-600	22	6	can	can	AUX
afbr-600	22	7	be	be	AUX
afbr-600	22	8	interpreted	interpret	VERB
afbr-600	22	9	as	as	ADP
afbr-600	22	10	inefficiency	inefficiency	NOUN
afbr-600	22	11	,	,	PUNCT
afbr-600	22	12	since	since	SCONJ
afbr-600	22	13	liquid	liquid	ADJ
afbr-600	22	14	assets	asset	NOUN
afbr-600	22	15	yield	yield	VERB
afbr-600	22	16	lower	low	ADJ
afbr-600	22	17	income	income	NOUN
afbr-600	22	18	liquidity	liquidity	NOUN
afbr-600	22	19	bears	bear	VERB
afbr-600	22	20	high	high	ADJ
afbr-600	22	21	opportunity	opportunity	NOUN
afbr-600	22	22	costs	cost	NOUN
afbr-600	22	23	for	for	ADP
afbr-600	22	24	the	the	DET
afbr-600	22	25	bank	bank	NOUN
afbr-600	22	26	(	(	PUNCT
afbr-600	22	27	ogolo	ogolo	PROPN
afbr-600	22	28	,	,	PUNCT
afbr-600	22	29	2018	2018	NUM
afbr-600	22	30	)	)	PUNCT
afbr-600	22	31	.	.	PUNCT
afbr-600	23	1	increase	increase	NOUN
afbr-600	23	2	on	on	ADP
afbr-600	23	3	liquidity	liquidity	NOUN
afbr-600	23	4	reserve	reserve	NOUN
afbr-600	23	5	reduces	reduce	VERB
afbr-600	23	6	the	the	DET
afbr-600	23	7	earnings	earning	NOUN
afbr-600	23	8	assets	asset	NOUN
afbr-600	23	9	of	of	ADP
afbr-600	23	10	commercial	commercial	ADJ
afbr-600	23	11	banks	bank	NOUN
afbr-600	23	12	.	.	PUNCT
afbr-600	24	1	this	this	PRON
afbr-600	24	2	implies	imply	VERB
afbr-600	24	3	that	that	PRON
afbr-600	24	4	increase	increase	VERB
afbr-600	24	5	liquidity	liquidity	NOUN
afbr-600	24	6	policy	policy	NOUN
afbr-600	24	7	can	can	AUX
afbr-600	24	8	affect	affect	VERB
afbr-600	24	9	negatively	negatively	ADV
afbr-600	24	10	deposit	deposit	VERB
afbr-600	24	11	money	money	NOUN
afbr-600	24	12	banks	bank	NOUN
afbr-600	24	13	credit	credit	NOUN
afbr-600	24	14	to	to	ADP
afbr-600	24	15	the	the	DET
afbr-600	24	16	private	private	ADJ
afbr-600	24	17	sector	sector	NOUN
afbr-600	24	18	.	.	PUNCT
afbr-600	25	1	private	private	ADJ
afbr-600	25	2	sector	sector	NOUN
afbr-600	25	3	actors	actor	NOUN
afbr-600	25	4	are	be	AUX
afbr-600	25	5	increasingly	increasingly	ADV
afbr-600	25	6	being	be	AUX
afbr-600	25	7	recognized	recognize	VERB
afbr-600	25	8	as	as	ADP
afbr-600	25	9	a	a	DET
afbr-600	25	10	major	major	ADJ
afbr-600	25	11	driving	driving	NOUN
afbr-600	25	12	force	force	NOUN
afbr-600	25	13	in	in	ADP
afbr-600	25	14	enhancing	enhance	VERB
afbr-600	25	15	economic	economic	ADJ
afbr-600	25	16	growth	growth	NOUN
afbr-600	25	17	and	and	CCONJ
afbr-600	25	18	development	development	NOUN
afbr-600	25	19	.	.	PUNCT
afbr-600	26	1	they	they	PRON
afbr-600	26	2	drive	drive	VERB
afbr-600	26	3	economic	economic	ADJ
afbr-600	26	4	growth	growth	NOUN
afbr-600	26	5	through	through	ADP
afbr-600	26	6	investment	investment	NOUN
afbr-600	26	7	,	,	PUNCT
afbr-600	26	8	employment	employment	NOUN
afbr-600	26	9	and	and	CCONJ
afbr-600	26	10	business	business	NOUN
afbr-600	26	11	creation	creation	NOUN
afbr-600	26	12	,	,	PUNCT
afbr-600	26	13	innovation	innovation	NOUN
afbr-600	26	14	and	and	CCONJ
afbr-600	26	15	knowledge	knowledge	NOUN
afbr-600	26	16	transfer	transfer	NOUN
afbr-600	26	17	,	,	PUNCT
afbr-600	26	18	and	and	CCONJ
afbr-600	26	19	other	other	ADJ
afbr-600	26	20	multiplier	multipli	ADJ
afbr-600	26	21	effects	effect	NOUN
afbr-600	26	22	from	from	ADP
afbr-600	26	23	their	their	PRON
afbr-600	26	24	operations	operation	NOUN
afbr-600	26	25	and	and	CCONJ
afbr-600	26	26	activities	activity	NOUN
afbr-600	26	27	.	.	PUNCT
afbr-600	27	1	ensuring	ensure	VERB
afbr-600	27	2	that	that	SCONJ
afbr-600	27	3	this	this	DET
afbr-600	27	4	growth	growth	NOUN
afbr-600	27	5	is	be	AUX
afbr-600	27	6	likely	likely	ADJ
afbr-600	27	7	to	to	PART
afbr-600	27	8	contribute	contribute	VERB
afbr-600	27	9	to	to	ADP
afbr-600	27	10	long	long	ADJ
afbr-600	27	11	-	-	PUNCT
afbr-600	27	12	term	term	NOUN
afbr-600	27	13	poverty	poverty	NOUN
afbr-600	27	14	reduction	reduction	NOUN
afbr-600	27	15	,	,	PUNCT
afbr-600	27	16	however	however	ADV
afbr-600	27	17	,	,	PUNCT
afbr-600	27	18	requires	require	VERB
afbr-600	27	19	private	private	ADJ
afbr-600	27	20	companies	company	NOUN
afbr-600	27	21	to	to	PART
afbr-600	27	22	include	include	VERB
afbr-600	27	23	the	the	DET
afbr-600	27	24	poor	poor	ADJ
afbr-600	27	25	as	as	ADP
afbr-600	27	26	producers	producer	NOUN
afbr-600	27	27	,	,	PUNCT
afbr-600	27	28	suppliers	supplier	NOUN
afbr-600	27	29	,	,	PUNCT
afbr-600	27	30	employees	employee	NOUN
afbr-600	27	31	and	and	CCONJ
afbr-600	27	32	consumers	consumer	NOUN
afbr-600	27	33	.	.	PUNCT
afbr-600	28	1	under	under	ADP
afbr-600	28	2	the	the	DET
afbr-600	28	3	right	right	ADJ
afbr-600	28	4	circumstances	circumstance	NOUN
afbr-600	28	5	,	,	PUNCT
afbr-600	28	6	public	public	ADJ
afbr-600	28	7	-	-	PUNCT
afbr-600	28	8	private	private	ADJ
afbr-600	28	9	partnerships	partnership	NOUN
afbr-600	28	10	that	that	PRON
afbr-600	28	11	are	be	AUX
afbr-600	28	12	based	base	VERB
afbr-600	28	13	on	on	ADP
afbr-600	28	14	the	the	DET
afbr-600	28	15	identification	identification	NOUN
afbr-600	28	16	of	of	ADP
afbr-600	28	17	complementary	complementary	ADJ
afbr-600	28	18	expertise	expertise	NOUN
afbr-600	28	19	and	and	CCONJ
afbr-600	28	20	shared	share	VERB
afbr-600	28	21	commercial	commercial	ADJ
afbr-600	28	22	and	and	CCONJ
afbr-600	28	23	development	development	NOUN
afbr-600	28	24	interests	interest	NOUN
afbr-600	28	25	are	be	AUX
afbr-600	28	26	also	also	ADV
afbr-600	28	27	an	an	DET
afbr-600	28	28	important	important	ADJ
afbr-600	28	29	tool	tool	NOUN
afbr-600	28	30	that	that	PRON
afbr-600	28	31	can	can	AUX
afbr-600	28	32	harness	harness	VERB
afbr-600	28	33	the	the	DET
afbr-600	28	34	private	private	ADJ
afbr-600	28	35	sector	sector	NOUN
afbr-600	28	36	’s	’s	PART
afbr-600	28	37	contribution	contribution	NOUN
afbr-600	28	38	to	to	ADP
afbr-600	28	39	such	such	ADJ
afbr-600	28	40	mailto:zaaghi75@gmail.com	mailto:zaaghi75@gmail.com	NOUN
afbr-600	28	41	mailto:fathermurraye@gmail.com	mailto:fathermurraye@gmail.com	PROPN
afbr-600	28	42	copyright	copyright	NOUN
afbr-600	29	1	©	©	PROPN
afbr-600	29	2	cc	cc	PROPN
afbr-600	29	3	-	-	PUNCT
afbr-600	29	4	by	by	ADP
afbr-600	29	5	-	-	PUNCT
afbr-600	29	6	nc	nc	PROPN
afbr-600	29	7	2019	2019	NUM
afbr-600	29	8	,	,	PUNCT
afbr-600	29	9	cribfb	cribfb	PROPN
afbr-600	29	10	|	|	ADV
afbr-600	29	11	afbr	afbr	PROPN
afbr-600	29	12	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	29	13	australian	australian	ADJ
afbr-600	29	14	finance	finance	PROPN
afbr-600	29	15	&	&	CCONJ
afbr-600	29	16	banking	banking	PROPN
afbr-600	29	17	review	review	PROPN
afbr-600	29	18	vol	vol	NOUN
afbr-600	29	19	.	.	PROPN
afbr-600	30	1	4	4	NUM
afbr-600	30	2	,	,	PUNCT
afbr-600	30	3	no	no	INTJ
afbr-600	30	4	.	.	NOUN
afbr-600	30	5	1	1	NUM
afbr-600	30	6	;	;	PUNCT
afbr-600	30	7	2020	2020	NUM
afbr-600	30	8	19	19	NUM
afbr-600	30	9	inclusive	inclusive	ADJ
afbr-600	30	10	growth	growth	NOUN
afbr-600	30	11	.	.	PUNCT
afbr-600	31	1	while	while	SCONJ
afbr-600	31	2	the	the	DET
afbr-600	31	3	importance	importance	NOUN
afbr-600	31	4	of	of	ADP
afbr-600	31	5	the	the	DET
afbr-600	31	6	private	private	ADJ
afbr-600	31	7	sector	sector	NOUN
afbr-600	31	8	to	to	ADP
afbr-600	31	9	economic	economic	ADJ
afbr-600	31	10	growth	growth	NOUN
afbr-600	31	11	has	have	AUX
afbr-600	31	12	long	long	ADV
afbr-600	31	13	been	be	AUX
afbr-600	31	14	recognized	recognize	VERB
afbr-600	31	15	,	,	PUNCT
afbr-600	31	16	until	until	SCONJ
afbr-600	31	17	very	very	ADV
afbr-600	31	18	recently	recently	ADV
afbr-600	31	19	,	,	PUNCT
afbr-600	31	20	private	private	ADJ
afbr-600	31	21	sector	sector	NOUN
afbr-600	31	22	actors	actor	NOUN
afbr-600	31	23	were	be	AUX
afbr-600	31	24	not	not	PART
afbr-600	31	25	seen	see	VERB
afbr-600	31	26	as	as	ADP
afbr-600	31	27	development	development	NOUN
afbr-600	31	28	actors	actor	NOUN
afbr-600	31	29	.	.	PUNCT
afbr-600	32	1	as	as	ADP
afbr-600	32	2	a	a	DET
afbr-600	32	3	result	result	NOUN
afbr-600	32	4	,	,	PUNCT
afbr-600	32	5	they	they	PRON
afbr-600	32	6	were	be	AUX
afbr-600	32	7	typically	typically	ADV
afbr-600	32	8	treated	treat	VERB
afbr-600	32	9	as	as	ADP
afbr-600	32	10	a	a	DET
afbr-600	32	11	secondary	secondary	ADJ
afbr-600	32	12	consideration	consideration	NOUN
afbr-600	32	13	in	in	ADP
afbr-600	32	14	terms	term	NOUN
afbr-600	32	15	of	of	ADP
afbr-600	32	16	potential	potential	ADJ
afbr-600	32	17	vehicles	vehicle	NOUN
afbr-600	32	18	of	of	ADP
afbr-600	32	19	development	development	NOUN
afbr-600	32	20	financing	financing	NOUN
afbr-600	32	21	and	and	CCONJ
afbr-600	32	22	in	in	ADP
afbr-600	32	23	terms	term	NOUN
afbr-600	32	24	of	of	ADP
afbr-600	32	25	sources	source	NOUN
afbr-600	32	26	of	of	ADP
afbr-600	32	27	ideas	idea	NOUN
afbr-600	32	28	and	and	CCONJ
afbr-600	32	29	input	input	NOUN
afbr-600	32	30	in	in	ADP
afbr-600	32	31	development	development	NOUN
afbr-600	32	32	debates	debate	NOUN
afbr-600	32	33	and	and	CCONJ
afbr-600	32	34	policies	policy	NOUN
afbr-600	32	35	,	,	PUNCT
afbr-600	32	36	in	in	ADP
afbr-600	32	37	comparison	comparison	NOUN
afbr-600	32	38	with	with	ADP
afbr-600	32	39	the	the	DET
afbr-600	32	40	primary	primary	ADJ
afbr-600	32	41	and	and	CCONJ
afbr-600	32	42	more	more	ADV
afbr-600	32	43	established	establish	VERB
afbr-600	32	44	group	group	NOUN
afbr-600	32	45	of	of	ADP
afbr-600	32	46	actors	actor	NOUN
afbr-600	32	47	:	:	PUNCT
afbr-600	32	48	recipient	recipient	NOUN
afbr-600	32	49	governments	government	NOUN
afbr-600	32	50	and	and	CCONJ
afbr-600	32	51	bilateral	bilateral	ADJ
afbr-600	32	52	and	and	CCONJ
afbr-600	32	53	multilateral	multilateral	ADJ
afbr-600	32	54	development	development	NOUN
afbr-600	32	55	agencies	agency	NOUN
afbr-600	32	56	(	(	PUNCT
afbr-600	32	57	eke	eke	ADJ
afbr-600	32	58	,	,	PUNCT
afbr-600	32	59	chikulirim	chikulirim	NOUN
afbr-600	32	60	eke	eke	NOUN
afbr-600	32	61	and	and	CCONJ
afbr-600	32	62	inyang	inyang	NOUN
afbr-600	32	63	,	,	PUNCT
afbr-600	32	64	2015	2015	NUM
afbr-600	32	65	)	)	PUNCT
afbr-600	32	66	.	.	PUNCT
afbr-600	33	1	liquidity	liquidity	NOUN
afbr-600	33	2	policy	policy	NOUN
afbr-600	33	3	is	be	AUX
afbr-600	33	4	more	more	ADV
afbr-600	33	5	focused	focused	ADJ
afbr-600	33	6	on	on	ADP
afbr-600	33	7	bank	bank	NOUN
afbr-600	33	8	’s	’s	PART
afbr-600	33	9	sensitivity	sensitivity	NOUN
afbr-600	33	10	to	to	ADP
afbr-600	33	11	selected	select	VERB
afbr-600	33	12	types	type	NOUN
afbr-600	33	13	of	of	ADP
afbr-600	33	14	funding	funding	NOUN
afbr-600	33	15	such	such	ADJ
afbr-600	33	16	as	as	ADP
afbr-600	33	17	deposits	deposit	NOUN
afbr-600	33	18	of	of	ADP
afbr-600	33	19	households	household	NOUN
afbr-600	33	20	,	,	PUNCT
afbr-600	33	21	enterprises	enterprise	NOUN
afbr-600	33	22	and	and	CCONJ
afbr-600	33	23	other	other	ADJ
afbr-600	33	24	financial	financial	ADJ
afbr-600	33	25	institutions	institution	NOUN
afbr-600	33	26	.	.	PUNCT
afbr-600	34	1	it	it	PRON
afbr-600	34	2	captures	capture	VERB
afbr-600	34	3	bank	bank	NOUN
afbr-600	34	4	’s	’s	PART
afbr-600	34	5	vulnerability	vulnerability	NOUN
afbr-600	34	6	related	relate	VERB
afbr-600	34	7	to	to	ADP
afbr-600	34	8	these	these	DET
afbr-600	34	9	funding	funding	NOUN
afbr-600	34	10	sources	source	NOUN
afbr-600	34	11	.	.	PUNCT
afbr-600	35	1	banks	bank	NOUN
afbr-600	35	2	are	be	AUX
afbr-600	35	3	able	able	ADJ
afbr-600	35	4	to	to	PART
afbr-600	35	5	meet	meet	VERB
afbr-600	35	6	its	its	PRON
afbr-600	35	7	obligations	obligation	NOUN
afbr-600	35	8	in	in	ADP
afbr-600	35	9	terms	term	NOUN
afbr-600	35	10	of	of	ADP
afbr-600	35	11	funding	funding	NOUN
afbr-600	35	12	if	if	SCONJ
afbr-600	35	13	volume	volume	NOUN
afbr-600	35	14	of	of	ADP
afbr-600	35	15	liquid	liquid	ADJ
afbr-600	35	16	assets	asset	NOUN
afbr-600	35	17	is	be	AUX
afbr-600	35	18	high	high	ADJ
afbr-600	35	19	enough	enough	ADV
afbr-600	35	20	to	to	PART
afbr-600	35	21	cover	cover	VERB
afbr-600	35	22	volatile	volatile	ADJ
afbr-600	35	23	funding	funding	NOUN
afbr-600	35	24	and	and	CCONJ
afbr-600	35	25	if	if	SCONJ
afbr-600	35	26	the	the	DET
afbr-600	35	27	value	value	NOUN
afbr-600	35	28	of	of	ADP
afbr-600	35	29	this	this	DET
afbr-600	35	30	ratio	ratio	NOUN
afbr-600	35	31	is	be	AUX
afbr-600	35	32	100	100	NUM
afbr-600	35	33	percent	percent	NOUN
afbr-600	35	34	or	or	CCONJ
afbr-600	35	35	more	more	ADJ
afbr-600	35	36	.	.	PUNCT
afbr-600	36	1	lower	low	ADJ
afbr-600	36	2	value	value	NOUN
afbr-600	36	3	indicates	indicate	VERB
afbr-600	36	4	a	a	DET
afbr-600	36	5	bank	bank	NOUN
afbr-600	36	6	’s	’s	PART
afbr-600	36	7	increased	increase	VERB
afbr-600	36	8	sensitivity	sensitivity	NOUN
afbr-600	36	9	related	relate	VERB
afbr-600	36	10	to	to	ADP
afbr-600	36	11	deposit	deposit	NOUN
afbr-600	36	12	withdrawals	withdrawal	NOUN
afbr-600	36	13	.	.	PUNCT
afbr-600	37	1	loan	loan	NOUN
afbr-600	37	2	-	-	PUNCT
afbr-600	37	3	to	to	ADP
afbr-600	37	4	-	-	PUNCT
afbr-600	37	5	deposit	deposit	NOUN
afbr-600	37	6	ratio	ratio	NOUN
afbr-600	37	7	policy	policy	NOUN
afbr-600	37	8	was	be	AUX
afbr-600	37	9	introduced	introduce	VERB
afbr-600	37	10	for	for	ADP
afbr-600	37	11	the	the	DET
afbr-600	37	12	purposes	purpose	NOUN
afbr-600	37	13	of	of	ADP
afbr-600	37	14	curbing	curb	VERB
afbr-600	37	15	the	the	DET
afbr-600	37	16	incentives	incentive	NOUN
afbr-600	37	17	for	for	ADP
afbr-600	37	18	excessive	excessive	ADJ
afbr-600	37	19	competition	competition	NOUN
afbr-600	37	20	among	among	ADP
afbr-600	37	21	domestic	domestic	ADJ
afbr-600	37	22	banks	bank	NOUN
afbr-600	37	23	dependent	dependent	ADJ
afbr-600	37	24	upon	upon	SCONJ
afbr-600	37	25	wholesale	wholesale	ADJ
afbr-600	37	26	funding	funding	NOUN
afbr-600	37	27	to	to	PART
afbr-600	37	28	increase	increase	VERB
afbr-600	37	29	their	their	PRON
afbr-600	37	30	business	business	NOUN
afbr-600	37	31	sizes	size	NOUN
afbr-600	37	32	before	before	ADP
afbr-600	37	33	the	the	DET
afbr-600	37	34	global	global	ADJ
afbr-600	37	35	financial	financial	ADJ
afbr-600	37	36	crisis	crisis	NOUN
afbr-600	37	37	,	,	PUNCT
afbr-600	37	38	and	and	CCONJ
afbr-600	37	39	improving	improve	VERB
afbr-600	37	40	liquidity	liquidity	NOUN
afbr-600	37	41	conditions	condition	NOUN
afbr-600	37	42	during	during	ADP
afbr-600	37	43	crises	crisis	NOUN
afbr-600	37	44	(	(	PUNCT
afbr-600	37	45	lopez	lopez	NOUN
afbr-600	37	46	-	-	PUNCT
afbr-600	37	47	espinosa	espinosa	PROPN
afbr-600	37	48	,	,	PUNCT
afbr-600	37	49	moreno	moreno	PROPN
afbr-600	37	50	,	,	PUNCT
afbr-600	37	51	rubia	rubia	PROPN
afbr-600	37	52	and	and	CCONJ
afbr-600	37	53	valderrama	valderrama	PROPN
afbr-600	37	54	,	,	PUNCT
afbr-600	37	55	2012	2012	NUM
afbr-600	37	56	)	)	PUNCT
afbr-600	37	57	.	.	PUNCT
afbr-600	38	1	loan	loan	NOUN
afbr-600	38	2	-	-	PUNCT
afbr-600	38	3	deposit	deposit	NOUN
afbr-600	38	4	ratio	ratio	NOUN
afbr-600	38	5	policy	policy	NOUN
afbr-600	38	6	is	be	AUX
afbr-600	38	7	effective	effective	ADJ
afbr-600	38	8	as	as	ADP
afbr-600	38	9	a	a	DET
afbr-600	38	10	macro	macro	ADJ
afbr-600	38	11	prudential	prudential	ADJ
afbr-600	38	12	policy	policy	NOUN
afbr-600	38	13	instrument	instrument	NOUN
afbr-600	38	14	;	;	PUNCT
afbr-600	38	15	it	it	PRON
afbr-600	38	16	reduces	reduce	VERB
afbr-600	38	17	banks	bank	NOUN
afbr-600	38	18	’	'	PUNCT
afbr-600	38	19	dependency	dependency	NOUN
afbr-600	38	20	on	on	ADP
afbr-600	38	21	wholesale	wholesale	ADJ
afbr-600	38	22	funding	funding	NOUN
afbr-600	38	23	to	to	PART
afbr-600	38	24	thereby	thereby	ADV
afbr-600	38	25	curb	curb	VERB
afbr-600	38	26	the	the	DET
afbr-600	38	27	interconnectedness	interconnectedness	NOUN
afbr-600	38	28	among	among	ADP
afbr-600	38	29	financial	financial	ADJ
afbr-600	38	30	institutions	institution	NOUN
afbr-600	38	31	,	,	PUNCT
afbr-600	38	32	a	a	DET
afbr-600	38	33	systemic	systemic	ADJ
afbr-600	38	34	risk	risk	NOUN
afbr-600	38	35	on	on	ADP
afbr-600	38	36	the	the	DET
afbr-600	38	37	cross	cross	ADJ
afbr-600	38	38	-	-	ADJ
afbr-600	38	39	sectional	sectional	ADJ
afbr-600	38	40	side	side	NOUN
afbr-600	38	41	,	,	PUNCT
afbr-600	38	42	and	and	CCONJ
afbr-600	38	43	also	also	ADV
afbr-600	38	44	reduces	reduce	VERB
afbr-600	38	45	the	the	DET
afbr-600	38	46	procyclicality	procyclicality	NOUN
afbr-600	38	47	of	of	ADP
afbr-600	38	48	lending	lending	NOUN
afbr-600	38	49	,	,	PUNCT
afbr-600	38	50	a	a	DET
afbr-600	38	51	systemic	systemic	ADJ
afbr-600	38	52	risk	risk	NOUN
afbr-600	38	53	on	on	ADP
afbr-600	38	54	the	the	DET
afbr-600	38	55	time	time	NOUN
afbr-600	38	56	-	-	PUNCT
afbr-600	38	57	series	series	NOUN
afbr-600	38	58	side	side	NOUN
afbr-600	38	59	.	.	PUNCT
afbr-600	39	1	the	the	DET
afbr-600	39	2	policy	policy	NOUN
afbr-600	39	3	is	be	AUX
afbr-600	39	4	not	not	PART
afbr-600	39	5	only	only	ADV
afbr-600	39	6	useful	useful	ADJ
afbr-600	39	7	but	but	CCONJ
afbr-600	39	8	also	also	ADV
afbr-600	39	9	actually	actually	ADV
afbr-600	39	10	brings	bring	VERB
afbr-600	39	11	about	about	ADP
afbr-600	39	12	ringfencing	ringfence	VERB
afbr-600	39	13	between	between	ADP
afbr-600	39	14	retail	retail	ADJ
afbr-600	39	15	and	and	CCONJ
afbr-600	39	16	wholesale	wholesale	ADJ
afbr-600	39	17	financing	financing	NOUN
afbr-600	39	18	by	by	ADP
afbr-600	39	19	encouraging	encourage	VERB
afbr-600	39	20	banks	bank	NOUN
afbr-600	39	21	to	to	PART
afbr-600	39	22	extend	extend	VERB
afbr-600	39	23	loans	loan	NOUN
afbr-600	39	24	within	within	ADP
afbr-600	39	25	the	the	DET
afbr-600	39	26	limits	limit	NOUN
afbr-600	39	27	of	of	ADP
afbr-600	39	28	their	their	PRON
afbr-600	39	29	deposits	deposit	NOUN
afbr-600	39	30	.	.	PUNCT
afbr-600	40	1	bank	bank	NOUN
afbr-600	40	2	loans	loan	NOUN
afbr-600	40	3	shows	show	VERB
afbr-600	40	4	pro	pro	ADJ
afbr-600	40	5	-	-	NOUN
afbr-600	40	6	cyclicality	cyclicality	NOUN
afbr-600	40	7	in	in	ADP
afbr-600	40	8	terms	term	NOUN
afbr-600	40	9	of	of	ADP
afbr-600	40	10	the	the	DET
afbr-600	40	11	amounts	amount	NOUN
afbr-600	40	12	of	of	ADP
afbr-600	40	13	their	their	PRON
afbr-600	40	14	supply	supply	NOUN
afbr-600	40	15	and	and	CCONJ
afbr-600	40	16	demand	demand	NOUN
afbr-600	40	17	.	.	PUNCT
afbr-600	41	1	during	during	ADP
afbr-600	41	2	times	time	NOUN
afbr-600	41	3	of	of	ADP
afbr-600	41	4	economic	economic	ADJ
afbr-600	41	5	expansion	expansion	NOUN
afbr-600	41	6	,	,	PUNCT
afbr-600	41	7	when	when	SCONJ
afbr-600	41	8	loan	loan	NOUN
afbr-600	41	9	demand	demand	NOUN
afbr-600	41	10	is	be	AUX
afbr-600	41	11	extremely	extremely	ADV
afbr-600	41	12	high	high	ADJ
afbr-600	41	13	,	,	PUNCT
afbr-600	41	14	a	a	DET
afbr-600	41	15	bank	bank	NOUN
afbr-600	41	16	’s	’s	PART
afbr-600	41	17	capability	capability	NOUN
afbr-600	41	18	to	to	PART
afbr-600	41	19	mobilize	mobilize	VERB
afbr-600	41	20	funding	funding	NOUN
afbr-600	41	21	in	in	ADP
afbr-600	41	22	response	response	NOUN
afbr-600	41	23	to	to	ADP
afbr-600	41	24	this	this	DET
afbr-600	41	25	need	need	NOUN
afbr-600	41	26	is	be	AUX
afbr-600	41	27	a	a	DET
afbr-600	41	28	key	key	ADJ
afbr-600	41	29	factor	factor	NOUN
afbr-600	41	30	determining	determine	VERB
afbr-600	41	31	the	the	DET
afbr-600	41	32	pro	pro	ADJ
afbr-600	41	33	-	-	NOUN
afbr-600	41	34	cyclicality	cyclicality	NOUN
afbr-600	41	35	of	of	ADP
afbr-600	41	36	its	its	PRON
afbr-600	41	37	loans	loan	NOUN
afbr-600	41	38	.	.	PUNCT
afbr-600	42	1	deregulation	deregulation	NOUN
afbr-600	42	2	of	of	ADP
afbr-600	42	3	financial	financial	ADJ
afbr-600	42	4	sector	sector	NOUN
afbr-600	42	5	in	in	ADP
afbr-600	42	6	the	the	DET
afbr-600	42	7	last	last	ADJ
afbr-600	42	8	quarter	quarter	NOUN
afbr-600	42	9	of	of	ADP
afbr-600	42	10	1986	1986	NUM
afbr-600	42	11	resulted	result	VERB
afbr-600	42	12	in	in	ADP
afbr-600	42	13	wide	wide	ADJ
afbr-600	42	14	disparities	disparity	NOUN
afbr-600	42	15	in	in	ADP
afbr-600	42	16	monetary	monetary	ADJ
afbr-600	42	17	policy	policy	NOUN
afbr-600	42	18	targets	target	NOUN
afbr-600	42	19	with	with	ADP
afbr-600	42	20	possible	possible	ADJ
afbr-600	42	21	implications	implication	NOUN
afbr-600	42	22	for	for	ADP
afbr-600	42	23	commercial	commercial	ADJ
afbr-600	42	24	bank	bank	NOUN
afbr-600	42	25	lending	lending	NOUN
afbr-600	42	26	operations	operation	NOUN
afbr-600	42	27	.	.	PUNCT
afbr-600	43	1	most	most	ADJ
afbr-600	43	2	studies	study	NOUN
afbr-600	43	3	focus	focus	VERB
afbr-600	43	4	on	on	ADP
afbr-600	43	5	the	the	DET
afbr-600	43	6	effect	effect	NOUN
afbr-600	43	7	of	of	ADP
afbr-600	43	8	interest	interest	NOUN
afbr-600	43	9	rate	rate	NOUN
afbr-600	43	10	on	on	ADP
afbr-600	43	11	economic	economic	ADJ
afbr-600	43	12	growth	growth	NOUN
afbr-600	43	13	(	(	PUNCT
afbr-600	43	14	oshikoya	oshikoya	PROPN
afbr-600	43	15	,	,	PUNCT
afbr-600	43	16	1992	1992	NUM
afbr-600	43	17	;	;	PUNCT
afbr-600	43	18	odhiambo	odhiambo	NOUN
afbr-600	43	19	,	,	PUNCT
afbr-600	43	20	2010	2010	NUM
afbr-600	43	21	)	)	PUNCT
afbr-600	43	22	or	or	CCONJ
afbr-600	43	23	on	on	ADP
afbr-600	43	24	bank	bank	NOUN
afbr-600	43	25	lending	lending	NOUN
afbr-600	43	26	separately	separately	ADV
afbr-600	43	27	during	during	ADP
afbr-600	43	28	regulation	regulation	NOUN
afbr-600	43	29	or	or	CCONJ
afbr-600	43	30	deregulation	deregulation	NOUN
afbr-600	43	31	periods	period	NOUN
afbr-600	43	32	(	(	PUNCT
afbr-600	43	33	amassoma	amassoma	PROPN
afbr-600	43	34	et	et	PROPN
afbr-600	43	35	al	al	PROPN
afbr-600	43	36	.	.	PROPN
afbr-600	43	37	2011	2011	NUM
afbr-600	43	38	;	;	PUNCT
afbr-600	43	39	nwakama	nwakama	NOUN
afbr-600	43	40	and	and	CCONJ
afbr-600	43	41	mbatogu	mbatogu	PROPN
afbr-600	43	42	,	,	PUNCT
afbr-600	43	43	2004	2004	NUM
afbr-600	43	44	;	;	PUNCT
afbr-600	43	45	owolabi	owolabi	NOUN
afbr-600	43	46	,	,	PUNCT
afbr-600	43	47	2014	2014	NUM
afbr-600	43	48	)	)	PUNCT
afbr-600	43	49	.	.	PUNCT
afbr-600	44	1	others	other	NOUN
afbr-600	44	2	investigated	investigate	VERB
afbr-600	44	3	the	the	DET
afbr-600	44	4	relationship	relationship	NOUN
afbr-600	44	5	between	between	ADP
afbr-600	44	6	monetary	monetary	ADJ
afbr-600	44	7	policy	policy	NOUN
afbr-600	44	8	instruments	instrument	NOUN
afbr-600	44	9	and	and	CCONJ
afbr-600	44	10	deposit	deposit	VERB
afbr-600	44	11	money	money	NOUN
afbr-600	44	12	banks	bank	NOUN
afbr-600	44	13	loans	loan	NOUN
afbr-600	44	14	and	and	CCONJ
afbr-600	44	15	advances	advance	NOUN
afbr-600	44	16	(	(	PUNCT
afbr-600	44	17	ogolo	ogolo	NOUN
afbr-600	44	18	,	,	PUNCT
afbr-600	44	19	2018	2018	NUM
afbr-600	44	20	and	and	CCONJ
afbr-600	44	21	adeniyi	adeniyi	ADV
afbr-600	44	22	et	et	PROPN
afbr-600	44	23	al	al	PROPN
afbr-600	44	24	.	.	PROPN
afbr-600	44	25	2018	2018	NUM
afbr-600	44	26	)	)	PUNCT
afbr-600	44	27	and	and	CCONJ
afbr-600	44	28	the	the	DET
afbr-600	44	29	determinant	determinant	ADJ
afbr-600	44	30	and	and	CCONJ
afbr-600	44	31	evidence	evidence	NOUN
afbr-600	44	32	of	of	ADP
afbr-600	44	33	the	the	DET
afbr-600	44	34	impact	impact	NOUN
afbr-600	44	35	of	of	ADP
afbr-600	44	36	liquidity	liquidity	NOUN
afbr-600	44	37	management	management	NOUN
afbr-600	44	38	on	on	ADP
afbr-600	44	39	the	the	DET
afbr-600	44	40	performance	performance	NOUN
afbr-600	44	41	of	of	ADP
afbr-600	44	42	deposit	deposit	NOUN
afbr-600	44	43	money	money	NOUN
afbr-600	44	44	banks	bank	NOUN
afbr-600	44	45	(	(	PUNCT
afbr-600	44	46	dhanuskodi	dhanuskodi	PROPN
afbr-600	44	47	,	,	PUNCT
afbr-600	44	48	2014	2014	NUM
afbr-600	44	49	;	;	PUNCT
afbr-600	44	50	alphonce	alphonce	NOUN
afbr-600	44	51	,	,	PUNCT
afbr-600	44	52	silvanos	silvano	NOUN
afbr-600	44	53	,	,	PUNCT
afbr-600	44	54	and	and	CCONJ
afbr-600	44	55	ziska	ziska	NOUN
afbr-600	44	56	,	,	PUNCT
afbr-600	44	57	52015	52015	NUM
afbr-600	44	58	;	;	PUNCT
afbr-600	44	59	daniel	daniel	PROPN
afbr-600	44	60	,	,	PUNCT
afbr-600	44	61	2017).while	2017).while	NUM
afbr-600	44	62	literature	literature	NOUN
afbr-600	44	63	on	on	ADP
afbr-600	44	64	the	the	DET
afbr-600	44	65	effect	effect	NOUN
afbr-600	44	66	of	of	ADP
afbr-600	44	67	interest	interest	NOUN
afbr-600	44	68	rate	rate	NOUN
afbr-600	44	69	on	on	ADP
afbr-600	44	70	the	the	DET
afbr-600	44	71	economy	economy	NOUN
afbr-600	44	72	and	and	CCONJ
afbr-600	44	73	impact	impact	NOUN
afbr-600	44	74	of	of	ADP
afbr-600	44	75	ldr	ldr	PROPN
afbr-600	44	76	and	and	CCONJ
afbr-600	44	77	bank	bank	NOUN
afbr-600	44	78	liquidity	liquidity	NOUN
afbr-600	44	79	on	on	ADP
afbr-600	44	80	dmbs	dmb	NOUN
afbr-600	44	81	profitability	profitability	NOUN
afbr-600	44	82	is	be	AUX
afbr-600	44	83	well	well	ADV
afbr-600	44	84	documented	document	VERB
afbr-600	44	85	in	in	ADP
afbr-600	44	86	literature	literature	NOUN
afbr-600	44	87	,	,	PUNCT
afbr-600	44	88	the	the	DET
afbr-600	44	89	effect	effect	NOUN
afbr-600	44	90	of	of	ADP
afbr-600	44	91	deposit	deposit	NOUN
afbr-600	44	92	money	money	NOUN
afbr-600	44	93	banks	bank	NOUN
afbr-600	44	94	policy	policy	NOUN
afbr-600	44	95	on	on	ADP
afbr-600	44	96	private	private	ADJ
afbr-600	44	97	sector	sector	NOUN
afbr-600	44	98	funding	funding	NOUN
afbr-600	44	99	is	be	AUX
afbr-600	44	100	lacking	lack	VERB
afbr-600	44	101	.	.	PUNCT
afbr-600	45	1	this	this	DET
afbr-600	45	2	study	study	NOUN
afbr-600	45	3	empirically	empirically	ADV
afbr-600	45	4	examined	examine	VERB
afbr-600	45	5	the	the	DET
afbr-600	45	6	effect	effect	NOUN
afbr-600	45	7	of	of	ADP
afbr-600	45	8	deposit	deposit	NOUN
afbr-600	45	9	money	money	NOUN
afbr-600	45	10	banks	bank	NOUN
afbr-600	45	11	policy	policy	NOUN
afbr-600	45	12	on	on	ADP
afbr-600	45	13	private	private	ADJ
afbr-600	45	14	sector	sector	NOUN
afbr-600	45	15	funding	funding	NOUN
afbr-600	45	16	in	in	ADP
afbr-600	45	17	nigeria	nigeria	PROPN
afbr-600	45	18	.	.	PUNCT
afbr-600	46	1	2	2	X
afbr-600	46	2	.	.	X
afbr-600	46	3	literature	literature	NOUN
afbr-600	46	4	review	review	PROPN
afbr-600	46	5	loan	loan	NOUN
afbr-600	46	6	to	to	PART
afbr-600	46	7	deposit	deposit	NOUN
afbr-600	46	8	ratio	ratio	NOUN
afbr-600	46	9	the	the	DET
afbr-600	46	10	loan	loan	NOUN
afbr-600	46	11	-	-	PUNCT
afbr-600	46	12	to	to	ADP
afbr-600	46	13	-	-	PUNCT
afbr-600	46	14	deposit	deposit	NOUN
afbr-600	46	15	ratio	ratio	NOUN
afbr-600	46	16	regulation	regulation	NOUN
afbr-600	46	17	was	be	AUX
afbr-600	46	18	introduced	introduce	VERB
afbr-600	46	19	for	for	ADP
afbr-600	46	20	the	the	DET
afbr-600	46	21	purposes	purpose	NOUN
afbr-600	46	22	of	of	ADP
afbr-600	46	23	curbing	curb	VERB
afbr-600	46	24	the	the	DET
afbr-600	46	25	incentives	incentive	NOUN
afbr-600	46	26	for	for	ADP
afbr-600	46	27	excessive	excessive	ADJ
afbr-600	46	28	competition	competition	NOUN
afbr-600	46	29	among	among	ADP
afbr-600	46	30	domestic	domestic	ADJ
afbr-600	46	31	banks	bank	NOUN
afbr-600	46	32	dependent	dependent	ADJ
afbr-600	46	33	upon	upon	SCONJ
afbr-600	46	34	wholesale	wholesale	ADJ
afbr-600	46	35	funding	funding	NOUN
afbr-600	46	36	to	to	PART
afbr-600	46	37	increase	increase	VERB
afbr-600	46	38	their	their	PRON
afbr-600	46	39	business	business	NOUN
afbr-600	46	40	sizes	size	NOUN
afbr-600	46	41	before	before	ADP
afbr-600	46	42	the	the	DET
afbr-600	46	43	global	global	ADJ
afbr-600	46	44	financial	financial	ADJ
afbr-600	46	45	crisis	crisis	NOUN
afbr-600	46	46	,	,	PUNCT
afbr-600	46	47	and	and	CCONJ
afbr-600	46	48	improving	improve	VERB
afbr-600	46	49	liquidity	liquidity	NOUN
afbr-600	46	50	conditions	condition	NOUN
afbr-600	46	51	during	during	ADP
afbr-600	46	52	crises	crisis	NOUN
afbr-600	46	53	(	(	PUNCT
afbr-600	46	54	lopez	lopez	NOUN
afbr-600	46	55	-	-	PUNCT
afbr-600	46	56	espinosa	espinosa	PROPN
afbr-600	46	57	,	,	PUNCT
afbr-600	46	58	moreno	moreno	PROPN
afbr-600	46	59	,	,	PUNCT
afbr-600	46	60	rubia	rubia	PROPN
afbr-600	46	61	and	and	CCONJ
afbr-600	46	62	valderrama	valderrama	PROPN
afbr-600	46	63	,	,	PUNCT
afbr-600	46	64	2012	2012	NUM
afbr-600	46	65	)	)	PUNCT
afbr-600	46	66	.	.	PUNCT
afbr-600	47	1	according	accord	VERB
afbr-600	47	2	to	to	ADP
afbr-600	47	3	dhanuskodi	dhanuskodi	PROPN
afbr-600	47	4	(	(	PUNCT
afbr-600	47	5	2014	2014	NUM
afbr-600	47	6	)	)	PUNCT
afbr-600	47	7	,	,	PUNCT
afbr-600	47	8	loan	loan	NOUN
afbr-600	47	9	to	to	PART
afbr-600	47	10	deposit	deposit	NOUN
afbr-600	47	11	ratio	ratio	NOUN
afbr-600	47	12	is	be	AUX
afbr-600	47	13	a	a	DET
afbr-600	47	14	useful	useful	ADJ
afbr-600	47	15	instrument	instrument	NOUN
afbr-600	47	16	to	to	PART
afbr-600	47	17	determine	determine	VERB
afbr-600	47	18	bank	bank	NOUN
afbr-600	47	19	liquidity	liquidity	NOUN
afbr-600	47	20	,	,	PUNCT
afbr-600	47	21	and	and	CCONJ
afbr-600	47	22	by	by	ADP
afbr-600	47	23	extension	extension	NOUN
afbr-600	47	24	,	,	PUNCT
afbr-600	47	25	it	it	PRON
afbr-600	47	26	influences	influence	VERB
afbr-600	47	27	the	the	DET
afbr-600	47	28	profitability	profitability	NOUN
afbr-600	47	29	of	of	ADP
afbr-600	47	30	banks	bank	NOUN
afbr-600	47	31	.	.	PUNCT
afbr-600	48	1	the	the	DET
afbr-600	48	2	regulation	regulation	NOUN
afbr-600	48	3	of	of	ADP
afbr-600	48	4	loan	loan	NOUN
afbr-600	48	5	to	to	PART
afbr-600	48	6	deposit	deposit	NOUN
afbr-600	48	7	ratio	ratio	NOUN
afbr-600	48	8	is	be	AUX
afbr-600	48	9	basically	basically	ADV
afbr-600	48	10	an	an	DET
afbr-600	48	11	instrument	instrument	NOUN
afbr-600	48	12	for	for	ADP
afbr-600	48	13	effective	effective	ADJ
afbr-600	48	14	management	management	NOUN
afbr-600	48	15	of	of	ADP
afbr-600	48	16	banks	bank	NOUN
afbr-600	48	17	liquidity	liquidity	NOUN
afbr-600	48	18	by	by	ADP
afbr-600	48	19	limiting	limit	VERB
afbr-600	48	20	their	their	PRON
afbr-600	48	21	loan	loan	NOUN
afbr-600	48	22	size	size	NOUN
afbr-600	48	23	within	within	ADP
afbr-600	48	24	the	the	DET
afbr-600	48	25	certain	certain	ADJ
afbr-600	48	26	ratio	ratio	NOUN
afbr-600	48	27	of	of	ADP
afbr-600	48	28	their	their	PRON
afbr-600	48	29	deposits	deposit	NOUN
afbr-600	48	30	.	.	PUNCT
afbr-600	49	1	during	during	ADP
afbr-600	49	2	a	a	DET
afbr-600	49	3	period	period	NOUN
afbr-600	49	4	of	of	ADP
afbr-600	49	5	economic	economic	ADJ
afbr-600	49	6	expansion	expansion	NOUN
afbr-600	49	7	,	,	PUNCT
afbr-600	49	8	however	however	ADV
afbr-600	49	9	,	,	PUNCT
afbr-600	49	10	this	this	DET
afbr-600	49	11	regulation	regulation	NOUN
afbr-600	49	12	is	be	AUX
afbr-600	49	13	used	use	VERB
afbr-600	49	14	to	to	PART
afbr-600	49	15	curb	curb	VERB
afbr-600	49	16	any	any	DET
afbr-600	49	17	expansion	expansion	NOUN
afbr-600	49	18	in	in	ADP
afbr-600	49	19	lending	lending	NOUN
afbr-600	49	20	(	(	PUNCT
afbr-600	49	21	cgfs	cgfs	NOUN
afbr-600	49	22	,	,	PUNCT
afbr-600	49	23	2012	2012	NUM
afbr-600	49	24	)	)	PUNCT
afbr-600	49	25	.	.	PUNCT
afbr-600	50	1	as	as	ADP
afbr-600	50	2	part	part	NOUN
afbr-600	50	3	of	of	ADP
afbr-600	50	4	its	its	PRON
afbr-600	50	5	monetary	monetary	ADJ
afbr-600	50	6	policy	policy	NOUN
afbr-600	50	7	effort	effort	NOUN
afbr-600	50	8	towards	towards	ADP
afbr-600	50	9	ensuring	ensure	VERB
afbr-600	50	10	that	that	SCONJ
afbr-600	50	11	dmbs	dmb	NOUN
afbr-600	50	12	increase	increase	VERB
afbr-600	50	13	its	its	PRON
afbr-600	50	14	financial	financial	ADJ
afbr-600	50	15	intermediation	intermediation	NOUN
afbr-600	50	16	function	function	NOUN
afbr-600	50	17	,	,	PUNCT
afbr-600	50	18	stem	stem	VERB
afbr-600	50	19	financial	financial	ADJ
afbr-600	50	20	inclusion	inclusion	NOUN
afbr-600	50	21	and	and	CCONJ
afbr-600	50	22	increase	increase	VERB
afbr-600	50	23	lending	lending	NOUN
afbr-600	50	24	to	to	ADP
afbr-600	50	25	the	the	DET
afbr-600	50	26	real	real	ADJ
afbr-600	50	27	sector	sector	NOUN
afbr-600	50	28	of	of	ADP
afbr-600	50	29	the	the	DET
afbr-600	50	30	nigerian	nigerian	ADJ
afbr-600	50	31	economy	economy	NOUN
afbr-600	50	32	,	,	PUNCT
afbr-600	50	33	the	the	DET
afbr-600	50	34	cbn	cbn	PROPN
afbr-600	50	35	increase	increase	VERB
afbr-600	50	36	the	the	DET
afbr-600	50	37	loan	loan	NOUN
afbr-600	50	38	to	to	PART
afbr-600	50	39	deposit	deposit	VERB
afbr-600	50	40	ratio	ratio	NOUN
afbr-600	50	41	to	to	ADP
afbr-600	50	42	60	60	NUM
afbr-600	50	43	percent	percent	NOUN
afbr-600	50	44	.	.	PUNCT
afbr-600	51	1	the	the	DET
afbr-600	51	2	apex	apex	PROPN
afbr-600	51	3	bank	bank	PROPN
afbr-600	51	4	in	in	ADP
afbr-600	51	5	a	a	DET
afbr-600	51	6	bid	bid	NOUN
afbr-600	51	7	to	to	PART
afbr-600	51	8	ensure	ensure	VERB
afbr-600	51	9	compliance	compliance	NOUN
afbr-600	51	10	opine	opine	VERB
afbr-600	51	11	that	that	SCONJ
afbr-600	51	12	banks	bank	NOUN
afbr-600	51	13	that	that	PRON
afbr-600	51	14	fail	fail	VERB
afbr-600	51	15	to	to	PART
afbr-600	51	16	meet	meet	VERB
afbr-600	51	17	the	the	DET
afbr-600	51	18	deadline	deadline	NOUN
afbr-600	51	19	of	of	ADP
afbr-600	51	20	march	march	PROPN
afbr-600	51	21	ending	end	VERB
afbr-600	51	22	2019	2019	NUM
afbr-600	51	23	will	will	AUX
afbr-600	51	24	attract	attract	VERB
afbr-600	51	25	50	50	NUM
afbr-600	51	26	percent	percent	NOUN
afbr-600	51	27	levy	levy	NOUN
afbr-600	51	28	of	of	ADP
afbr-600	51	29	additional	additional	ADJ
afbr-600	51	30	crr	crr	NOUN
afbr-600	51	31	of	of	ADP
afbr-600	51	32	the	the	DET
afbr-600	51	33	lending	lending	NOUN
afbr-600	51	34	shortfall	shortfall	NOUN
afbr-600	51	35	of	of	ADP
afbr-600	51	36	the	the	DET
afbr-600	51	37	target	target	NOUN
afbr-600	51	38	ltdr	ltdr	NOUN
afbr-600	51	39	.	.	PUNCT
afbr-600	52	1	the	the	DET
afbr-600	52	2	ltdr	ltdr	PROPN
afbr-600	52	3	was	be	AUX
afbr-600	52	4	further	far	ADV
afbr-600	52	5	increase	increase	VERB
afbr-600	52	6	to	to	ADP
afbr-600	52	7	65	65	NUM
afbr-600	52	8	percent	percent	NOUN
afbr-600	52	9	in	in	ADP
afbr-600	52	10	the	the	DET
afbr-600	52	11	last	last	ADJ
afbr-600	52	12	quarter	quarter	NOUN
afbr-600	52	13	of	of	ADP
afbr-600	52	14	2019	2019	NUM
afbr-600	52	15	to	to	PART
afbr-600	52	16	facilitate	facilitate	VERB
afbr-600	52	17	robust	robust	ADJ
afbr-600	52	18	investment	investment	NOUN
afbr-600	52	19	and	and	CCONJ
afbr-600	52	20	disbursement	disbursement	NOUN
afbr-600	52	21	of	of	ADP
afbr-600	52	22	credit	credit	NOUN
afbr-600	52	23	to	to	ADP
afbr-600	52	24	the	the	DET
afbr-600	52	25	real	real	ADJ
afbr-600	52	26	sector	sector	NOUN
afbr-600	52	27	of	of	ADP
afbr-600	52	28	the	the	DET
afbr-600	52	29	nigerian	nigerian	ADJ
afbr-600	52	30	economy	economy	NOUN
afbr-600	52	31	that	that	PRON
afbr-600	52	32	will	will	AUX
afbr-600	52	33	bring	bring	VERB
afbr-600	52	34	about	about	ADP
afbr-600	52	35	a	a	DET
afbr-600	52	36	sound	sound	NOUN
afbr-600	52	37	and	and	CCONJ
afbr-600	52	38	resilient	resilient	ADJ
afbr-600	52	39	financial	financial	ADJ
afbr-600	52	40	intermediation	intermediation	NOUN
afbr-600	52	41	system	system	NOUN
afbr-600	52	42	.	.	PUNCT
afbr-600	53	1	since	since	SCONJ
afbr-600	53	2	the	the	DET
afbr-600	53	3	introduction	introduction	NOUN
afbr-600	53	4	of	of	ADP
afbr-600	53	5	the	the	DET
afbr-600	53	6	loan	loan	NOUN
afbr-600	53	7	to	to	PART
afbr-600	53	8	deposit	deposit	VERB
afbr-600	53	9	ratio	ratio	NOUN
afbr-600	53	10	policy	policy	NOUN
afbr-600	53	11	,	,	PUNCT
afbr-600	53	12	the	the	DET
afbr-600	53	13	effects	effect	NOUN
afbr-600	53	14	that	that	PRON
afbr-600	53	15	the	the	DET
afbr-600	53	16	regulatory	regulatory	ADJ
afbr-600	53	17	authorities	authority	NOUN
afbr-600	53	18	intended	intend	VERB
afbr-600	53	19	have	have	AUX
afbr-600	53	20	found	find	VERB
afbr-600	53	21	banks	bank	NOUN
afbr-600	53	22	’	'	PUNCT
afbr-600	53	23	wholesale	wholesale	ADJ
afbr-600	53	24	funding	funding	NOUN
afbr-600	53	25	on	on	ADP
afbr-600	53	26	the	the	DET
afbr-600	53	27	decline	decline	NOUN
afbr-600	53	28	and	and	CCONJ
afbr-600	53	29	liquidity	liquidity	NOUN
afbr-600	53	30	conditions	condition	NOUN
afbr-600	53	31	have	have	AUX
afbr-600	53	32	improved	improve	VERB
afbr-600	53	33	.	.	PUNCT
afbr-600	54	1	empirical	empirical	ADJ
afbr-600	54	2	analysis	analysis	NOUN
afbr-600	54	3	shows	show	VERB
afbr-600	54	4	that	that	SCONJ
afbr-600	54	5	the	the	DET
afbr-600	54	6	loan	loan	NOUN
afbr-600	54	7	-	-	PUNCT
afbr-600	54	8	to	to	ADP
afbr-600	54	9	-	-	PUNCT
afbr-600	54	10	deposit	deposit	NOUN
afbr-600	54	11	ratio	ratio	NOUN
afbr-600	54	12	regulation	regulation	NOUN
afbr-600	54	13	is	be	AUX
afbr-600	54	14	also	also	ADV
afbr-600	54	15	effective	effective	ADJ
afbr-600	54	16	as	as	ADP
afbr-600	54	17	a	a	DET
afbr-600	54	18	macro	macro	ADJ
afbr-600	54	19	prudential	prudential	ADJ
afbr-600	54	20	policy	policy	NOUN
afbr-600	54	21	instrument	instrument	NOUN
afbr-600	54	22	;	;	PUNCT
afbr-600	54	23	it	it	PRON
afbr-600	54	24	reduces	reduce	VERB
afbr-600	54	25	banks	bank	NOUN
afbr-600	54	26	’	'	PUNCT
afbr-600	54	27	dependency	dependency	NOUN
afbr-600	54	28	on	on	ADP
afbr-600	54	29	wholesale	wholesale	ADJ
afbr-600	54	30	funding	funding	NOUN
afbr-600	54	31	to	to	PART
afbr-600	54	32	thereby	thereby	ADV
afbr-600	54	33	curb	curb	VERB
afbr-600	54	34	the	the	DET
afbr-600	54	35	interconnectedness	interconnectedness	NOUN
afbr-600	54	36	among	among	ADP
afbr-600	54	37	financial	financial	ADJ
afbr-600	54	38	institutions	institution	NOUN
afbr-600	54	39	,	,	PUNCT
afbr-600	54	40	a	a	DET
afbr-600	54	41	systemic	systemic	ADJ
afbr-600	54	42	risk	risk	NOUN
afbr-600	54	43	on	on	ADP
afbr-600	54	44	the	the	DET
afbr-600	54	45	cross	cross	ADJ
afbr-600	54	46	-	-	ADJ
afbr-600	54	47	sectional	sectional	ADJ
afbr-600	54	48	side	side	NOUN
afbr-600	54	49	,	,	PUNCT
afbr-600	54	50	and	and	CCONJ
afbr-600	54	51	also	also	ADV
afbr-600	54	52	reduces	reduce	VERB
afbr-600	54	53	the	the	DET
afbr-600	54	54	pro	pro	ADJ
afbr-600	54	55	-	-	NOUN
afbr-600	54	56	cyclicality	cyclicality	NOUN
afbr-600	54	57	of	of	ADP
afbr-600	54	58	lending	lending	NOUN
afbr-600	54	59	,	,	PUNCT
afbr-600	54	60	a	a	DET
afbr-600	54	61	systemic	systemic	ADJ
afbr-600	54	62	risk	risk	NOUN
afbr-600	54	63	on	on	ADP
afbr-600	54	64	the	the	DET
afbr-600	54	65	time	time	NOUN
afbr-600	54	66	-	-	PUNCT
afbr-600	54	67	series	series	NOUN
afbr-600	54	68	side	side	NOUN
afbr-600	54	69	.	.	PUNCT
afbr-600	55	1	it	it	PRON
afbr-600	55	2	should	should	AUX
afbr-600	55	3	be	be	AUX
afbr-600	55	4	noted	note	VERB
afbr-600	55	5	,	,	PUNCT
afbr-600	55	6	however	however	ADV
afbr-600	55	7	,	,	PUNCT
afbr-600	55	8	that	that	SCONJ
afbr-600	55	9	the	the	DET
afbr-600	55	10	loan	loan	NOUN
afbr-600	55	11	-	-	PUNCT
afbr-600	55	12	to	to	ADP
afbr-600	55	13	-	-	PUNCT
afbr-600	55	14	deposit	deposit	NOUN
afbr-600	55	15	ratio	ratio	NOUN
afbr-600	55	16	regulation	regulation	NOUN
afbr-600	55	17	is	be	AUX
afbr-600	55	18	a	a	DET
afbr-600	55	19	strong	strong	ADJ
afbr-600	55	20	but	but	CCONJ
afbr-600	55	21	not	not	PART
afbr-600	55	22	precise	precise	ADJ
afbr-600	55	23	policy	policy	NOUN
afbr-600	55	24	instrument	instrument	NOUN
afbr-600	55	25	that	that	PRON
afbr-600	55	26	directly	directly	ADV
afbr-600	55	27	limits	limit	VERB
afbr-600	55	28	the	the	DET
afbr-600	55	29	ratio	ratio	NOUN
afbr-600	55	30	of	of	ADP
afbr-600	55	31	deposits	deposit	NOUN
afbr-600	55	32	dmbs	dmb	NOUN
afbr-600	55	33	to	to	ADP
afbr-600	55	34	loans	loan	NOUN
afbr-600	55	35	,	,	PUNCT
afbr-600	55	36	two	two	NUM
afbr-600	55	37	core	core	NOUN
afbr-600	55	38	copyright	copyright	NOUN
afbr-600	55	39	©	©	PROPN
afbr-600	55	40	cc	cc	PROPN
afbr-600	55	41	-	-	PUNCT
afbr-600	55	42	by	by	ADP
afbr-600	55	43	-	-	PUNCT
afbr-600	55	44	nc	nc	PROPN
afbr-600	55	45	2019	2019	NUM
afbr-600	55	46	,	,	PUNCT
afbr-600	55	47	cribfb	cribfb	PROPN
afbr-600	55	48	|	|	ADV
afbr-600	55	49	afbr	afbr	PROPN
afbr-600	55	50	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	55	51	australian	australian	ADJ
afbr-600	55	52	finance	finance	PROPN
afbr-600	55	53	&	&	CCONJ
afbr-600	55	54	banking	banking	PROPN
afbr-600	55	55	review	review	PROPN
afbr-600	55	56	vol	vol	NOUN
afbr-600	55	57	.	.	PROPN
afbr-600	55	58	4	4	NUM
afbr-600	55	59	,	,	PUNCT
afbr-600	55	60	no	no	INTJ
afbr-600	55	61	.	.	NOUN
afbr-600	55	62	1	1	NUM
afbr-600	55	63	;	;	PUNCT
afbr-600	55	64	2020	2020	NUM
afbr-600	55	65	20	20	NUM
afbr-600	55	66	business	business	NOUN
afbr-600	55	67	areas	area	NOUN
afbr-600	55	68	of	of	ADP
afbr-600	55	69	banks	bank	NOUN
afbr-600	55	70	,	,	PUNCT
afbr-600	55	71	and	and	CCONJ
afbr-600	55	72	may	may	AUX
afbr-600	55	73	overlap	overlap	VERB
afbr-600	55	74	with	with	ADP
afbr-600	55	75	the	the	DET
afbr-600	55	76	basel	basel	PROPN
afbr-600	55	77	iii	iii	PROPN
afbr-600	55	78	liquidity	liquidity	NOUN
afbr-600	55	79	regulations	regulation	NOUN
afbr-600	55	80	.	.	PUNCT
afbr-600	56	1	in	in	ADP
afbr-600	56	2	addition	addition	NOUN
afbr-600	56	3	,	,	PUNCT
afbr-600	56	4	the	the	DET
afbr-600	56	5	regulatory	regulatory	ADJ
afbr-600	56	6	authorities	authority	NOUN
afbr-600	56	7	and	and	CCONJ
afbr-600	56	8	the	the	DET
afbr-600	56	9	central	central	ADJ
afbr-600	56	10	bank	bank	NOUN
afbr-600	56	11	need	need	VERB
afbr-600	56	12	to	to	PART
afbr-600	56	13	work	work	VERB
afbr-600	56	14	in	in	ADP
afbr-600	56	15	close	close	ADJ
afbr-600	56	16	cooperation	cooperation	NOUN
afbr-600	56	17	when	when	SCONJ
afbr-600	56	18	making	make	VERB
afbr-600	56	19	changes	change	NOUN
afbr-600	56	20	in	in	ADP
afbr-600	56	21	policies	policy	NOUN
afbr-600	56	22	regarding	regard	VERB
afbr-600	56	23	this	this	DET
afbr-600	56	24	regulation	regulation	NOUN
afbr-600	56	25	,	,	PUNCT
afbr-600	56	26	given	give	VERB
afbr-600	56	27	that	that	SCONJ
afbr-600	56	28	the	the	DET
afbr-600	56	29	loan	loan	NOUN
afbr-600	56	30	-	-	PUNCT
afbr-600	56	31	todeposit	todeposit	NOUN
afbr-600	56	32	ratio	ratio	NOUN
afbr-600	56	33	regulation	regulation	NOUN
afbr-600	56	34	can	can	AUX
afbr-600	56	35	affect	affect	VERB
afbr-600	56	36	banks	bank	NOUN
afbr-600	56	37	’	’	PART
afbr-600	56	38	intermediary	intermediary	ADJ
afbr-600	56	39	role	role	NOUN
afbr-600	56	40	and	and	CCONJ
afbr-600	56	41	the	the	DET
afbr-600	56	42	channels	channel	NOUN
afbr-600	56	43	of	of	ADP
afbr-600	56	44	monetary	monetary	ADJ
afbr-600	56	45	policy	policy	NOUN
afbr-600	56	46	transmission	transmission	NOUN
afbr-600	56	47	(	(	PUNCT
afbr-600	56	48	bouvatier	bouvatier	NOUN
afbr-600	56	49	,	,	PUNCT
afbr-600	56	50	lópezvillavicencio	lópezvillavicencio	NOUN
afbr-600	56	51	and	and	CCONJ
afbr-600	56	52	mignon	mignon	NOUN
afbr-600	56	53	,	,	PUNCT
afbr-600	56	54	2010	2010	NUM
afbr-600	56	55	)	)	PUNCT
afbr-600	56	56	.	.	PUNCT
afbr-600	57	1	the	the	DET
afbr-600	57	2	loan	loan	NOUN
afbr-600	57	3	-	-	PUNCT
afbr-600	57	4	to	to	ADP
afbr-600	57	5	-	-	PUNCT
afbr-600	57	6	deposit	deposit	NOUN
afbr-600	57	7	ratio	ratio	NOUN
afbr-600	57	8	regulation	regulation	NOUN
afbr-600	57	9	is	be	AUX
afbr-600	57	10	a	a	DET
afbr-600	57	11	macro	macro	ADJ
afbr-600	57	12	prudential	prudential	ADJ
afbr-600	57	13	policy	policy	NOUN
afbr-600	57	14	instrument	instrument	NOUN
afbr-600	57	15	designed	design	VERB
afbr-600	57	16	to	to	PART
afbr-600	57	17	curb	curb	VERB
afbr-600	57	18	systemic	systemic	ADJ
afbr-600	57	19	risks	risk	NOUN
afbr-600	57	20	.	.	PUNCT
afbr-600	58	1	the	the	DET
afbr-600	58	2	regulation	regulation	NOUN
afbr-600	58	3	is	be	AUX
afbr-600	58	4	not	not	PART
afbr-600	58	5	only	only	ADV
afbr-600	58	6	useful	useful	ADJ
afbr-600	58	7	but	but	CCONJ
afbr-600	58	8	also	also	ADV
afbr-600	58	9	actually	actually	ADV
afbr-600	58	10	brings	bring	VERB
afbr-600	58	11	about	about	ADP
afbr-600	58	12	ring	ring	NOUN
afbr-600	58	13	-	-	PUNCT
afbr-600	58	14	fencing	fencing	NOUN
afbr-600	58	15	between	between	ADP
afbr-600	58	16	retail	retail	ADJ
afbr-600	58	17	and	and	CCONJ
afbr-600	58	18	wholesale	wholesale	ADJ
afbr-600	58	19	financing	financing	NOUN
afbr-600	58	20	by	by	ADP
afbr-600	58	21	encouraging	encourage	VERB
afbr-600	58	22	banks	bank	NOUN
afbr-600	58	23	to	to	PART
afbr-600	58	24	extend	extend	VERB
afbr-600	58	25	loans	loan	NOUN
afbr-600	58	26	within	within	ADP
afbr-600	58	27	the	the	DET
afbr-600	58	28	limits	limit	NOUN
afbr-600	58	29	of	of	ADP
afbr-600	58	30	their	their	PRON
afbr-600	58	31	deposits	deposit	NOUN
afbr-600	58	32	.	.	PUNCT
afbr-600	59	1	given	give	VERB
afbr-600	59	2	however	however	ADV
afbr-600	59	3	that	that	SCONJ
afbr-600	59	4	this	this	DET
afbr-600	59	5	regulation	regulation	NOUN
afbr-600	59	6	is	be	AUX
afbr-600	59	7	a	a	DET
afbr-600	59	8	powerful	powerful	ADJ
afbr-600	59	9	monetary	monetary	ADJ
afbr-600	59	10	policy	policy	NOUN
afbr-600	59	11	tool	tool	NOUN
afbr-600	59	12	,	,	PUNCT
afbr-600	59	13	that	that	PRON
afbr-600	59	14	puts	put	VERB
afbr-600	59	15	direct	direct	ADJ
afbr-600	59	16	constraints	constraint	NOUN
afbr-600	59	17	on	on	ADP
afbr-600	59	18	banks	bank	NOUN
afbr-600	59	19	'	'	PART
afbr-600	59	20	core	core	NOUN
afbr-600	59	21	businesses	business	NOUN
afbr-600	59	22	of	of	ADP
afbr-600	59	23	deposits	deposit	NOUN
afbr-600	59	24	and	and	CCONJ
afbr-600	59	25	loans	loan	NOUN
afbr-600	59	26	,	,	PUNCT
afbr-600	59	27	some	some	DET
afbr-600	59	28	unintended	unintended	ADJ
afbr-600	59	29	consequences	consequence	NOUN
afbr-600	59	30	could	could	AUX
afbr-600	59	31	be	be	AUX
afbr-600	59	32	created	create	VERB
afbr-600	59	33	.	.	PUNCT
afbr-600	60	1	bank	bank	NOUN
afbr-600	60	2	loans	loan	NOUN
afbr-600	60	3	shows	show	VERB
afbr-600	60	4	pro	pro	ADJ
afbr-600	60	5	-	-	NOUN
afbr-600	60	6	cyclicality	cyclicality	NOUN
afbr-600	60	7	in	in	ADP
afbr-600	60	8	terms	term	NOUN
afbr-600	60	9	of	of	ADP
afbr-600	60	10	the	the	DET
afbr-600	60	11	amounts	amount	NOUN
afbr-600	60	12	of	of	ADP
afbr-600	60	13	their	their	PRON
afbr-600	60	14	supply	supply	NOUN
afbr-600	60	15	and	and	CCONJ
afbr-600	60	16	demand	demand	NOUN
afbr-600	60	17	.	.	PUNCT
afbr-600	61	1	in	in	ADP
afbr-600	61	2	particular	particular	ADJ
afbr-600	61	3	,	,	PUNCT
afbr-600	61	4	during	during	ADP
afbr-600	61	5	times	time	NOUN
afbr-600	61	6	of	of	ADP
afbr-600	61	7	economic	economic	ADJ
afbr-600	61	8	expansion	expansion	NOUN
afbr-600	61	9	,	,	PUNCT
afbr-600	61	10	when	when	SCONJ
afbr-600	61	11	loan	loan	NOUN
afbr-600	61	12	demand	demand	NOUN
afbr-600	61	13	is	be	AUX
afbr-600	61	14	extremely	extremely	ADV
afbr-600	61	15	high	high	ADJ
afbr-600	61	16	,	,	PUNCT
afbr-600	61	17	a	a	DET
afbr-600	61	18	bank	bank	NOUN
afbr-600	61	19	’s	’s	PART
afbr-600	61	20	capability	capability	NOUN
afbr-600	61	21	to	to	PART
afbr-600	61	22	mobilize	mobilize	VERB
afbr-600	61	23	funding	funding	NOUN
afbr-600	61	24	in	in	ADP
afbr-600	61	25	response	response	NOUN
afbr-600	61	26	to	to	ADP
afbr-600	61	27	this	this	DET
afbr-600	61	28	need	need	NOUN
afbr-600	61	29	is	be	AUX
afbr-600	61	30	a	a	DET
afbr-600	61	31	key	key	ADJ
afbr-600	61	32	factor	factor	NOUN
afbr-600	61	33	determining	determine	VERB
afbr-600	61	34	the	the	DET
afbr-600	61	35	pro	pro	ADJ
afbr-600	61	36	-	-	NOUN
afbr-600	61	37	cyclicality	cyclicality	NOUN
afbr-600	61	38	of	of	ADP
afbr-600	61	39	its	its	PRON
afbr-600	61	40	loans	loan	NOUN
afbr-600	61	41	.	.	PUNCT
afbr-600	62	1	the	the	DET
afbr-600	62	2	reason	reason	NOUN
afbr-600	62	3	why	why	SCONJ
afbr-600	62	4	nigeria	nigeria	PROPN
afbr-600	62	5	domestic	domestic	ADJ
afbr-600	62	6	banks	bank	NOUN
afbr-600	62	7	were	be	AUX
afbr-600	62	8	able	able	ADJ
afbr-600	62	9	to	to	PART
afbr-600	62	10	meet	meet	VERB
afbr-600	62	11	the	the	DET
afbr-600	62	12	heightened	heightened	ADJ
afbr-600	62	13	demand	demand	NOUN
afbr-600	62	14	for	for	ADP
afbr-600	62	15	loans	loan	NOUN
afbr-600	62	16	in	in	ADP
afbr-600	62	17	the	the	DET
afbr-600	62	18	run	run	NOUN
afbr-600	62	19	up	up	ADP
afbr-600	62	20	to	to	ADP
afbr-600	62	21	the	the	DET
afbr-600	62	22	global	global	ADJ
afbr-600	62	23	financial	financial	ADJ
afbr-600	62	24	crisis	crisis	NOUN
afbr-600	62	25	was	be	AUX
afbr-600	62	26	that	that	SCONJ
afbr-600	62	27	,	,	PUNCT
afbr-600	62	28	in	in	ADP
afbr-600	62	29	addition	addition	NOUN
afbr-600	62	30	to	to	ADP
afbr-600	62	31	deposits	deposit	NOUN
afbr-600	62	32	,	,	PUNCT
afbr-600	62	33	they	they	PRON
afbr-600	62	34	were	be	AUX
afbr-600	62	35	capable	capable	ADJ
afbr-600	62	36	of	of	ADP
afbr-600	62	37	mobilizing	mobilize	VERB
afbr-600	62	38	funds	fund	NOUN
afbr-600	62	39	to	to	PART
afbr-600	62	40	meet	meet	VERB
afbr-600	62	41	this	this	DET
afbr-600	62	42	demand	demand	NOUN
afbr-600	62	43	through	through	ADP
afbr-600	62	44	wholesale	wholesale	ADJ
afbr-600	62	45	funding	funding	NOUN
afbr-600	62	46	.	.	PUNCT
afbr-600	63	1	since	since	SCONJ
afbr-600	63	2	introduction	introduction	NOUN
afbr-600	63	3	of	of	ADP
afbr-600	63	4	the	the	DET
afbr-600	63	5	loan	loan	NOUN
afbr-600	63	6	-	-	PUNCT
afbr-600	63	7	to	to	ADP
afbr-600	63	8	-	-	PUNCT
afbr-600	63	9	deposit	deposit	NOUN
afbr-600	63	10	ratio	ratio	NOUN
afbr-600	63	11	regulation	regulation	NOUN
afbr-600	63	12	,	,	PUNCT
afbr-600	63	13	banks	bank	NOUN
afbr-600	63	14	have	have	AUX
afbr-600	63	15	moved	move	VERB
afbr-600	63	16	funds	fund	NOUN
afbr-600	63	17	out	out	ADP
afbr-600	63	18	of	of	ADP
afbr-600	63	19	their	their	PRON
afbr-600	63	20	wholesale	wholesale	ADJ
afbr-600	63	21	funding	funding	NOUN
afbr-600	63	22	cds	cd	NOUN
afbr-600	63	23	and	and	CCONJ
afbr-600	63	24	into	into	ADP
afbr-600	63	25	corporate	corporate	ADJ
afbr-600	63	26	deposits	deposit	NOUN
afbr-600	63	27	to	to	PART
afbr-600	63	28	be	be	AUX
afbr-600	63	29	able	able	ADJ
afbr-600	63	30	to	to	PART
afbr-600	63	31	comply	comply	VERB
afbr-600	63	32	with	with	ADP
afbr-600	63	33	the	the	DET
afbr-600	63	34	regulation	regulation	NOUN
afbr-600	63	35	(	(	PUNCT
afbr-600	63	36	berger	berger	PROPN
afbr-600	63	37	and	and	CCONJ
afbr-600	63	38	udell	udell	PROPN
afbr-600	63	39	,	,	PUNCT
afbr-600	63	40	2004	2004	NUM
afbr-600	63	41	)	)	PUNCT
afbr-600	63	42	.	.	PUNCT
afbr-600	64	1	loan	loan	NOUN
afbr-600	64	2	-	-	PUNCT
afbr-600	64	3	to	to	ADP
afbr-600	64	4	-	-	PUNCT
afbr-600	64	5	deposit	deposit	NOUN
afbr-600	64	6	ratio	ratio	NOUN
afbr-600	64	7	regulation	regulation	NOUN
afbr-600	64	8	could	could	AUX
afbr-600	64	9	affect	affect	VERB
afbr-600	64	10	banks	bank	NOUN
afbr-600	64	11	'	'	PART
afbr-600	64	12	function	function	NOUN
afbr-600	64	13	of	of	ADP
afbr-600	64	14	financial	financial	ADJ
afbr-600	64	15	intermediation	intermediation	NOUN
afbr-600	64	16	by	by	ADP
afbr-600	64	17	hindering	hinder	VERB
afbr-600	64	18	their	their	PRON
afbr-600	64	19	flexible	flexible	ADJ
afbr-600	64	20	use	use	NOUN
afbr-600	64	21	of	of	ADP
afbr-600	64	22	wholesale	wholesale	ADJ
afbr-600	64	23	funding	funding	NOUN
afbr-600	64	24	as	as	ADP
afbr-600	64	25	assets	asset	NOUN
afbr-600	64	26	for	for	ADP
afbr-600	64	27	bank	bank	NOUN
afbr-600	64	28	lending	lending	NOUN
afbr-600	64	29	.	.	PUNCT
afbr-600	65	1	facing	face	VERB
afbr-600	65	2	restraints	restraint	NOUN
afbr-600	65	3	on	on	ADP
afbr-600	65	4	their	their	PRON
afbr-600	65	5	assets	asset	NOUN
afbr-600	65	6	for	for	ADP
afbr-600	65	7	lending	lending	NOUN
afbr-600	65	8	,	,	PUNCT
afbr-600	65	9	banks	bank	NOUN
afbr-600	65	10	generally	generally	ADV
afbr-600	65	11	tend	tend	VERB
afbr-600	65	12	to	to	PART
afbr-600	65	13	first	first	ADV
afbr-600	65	14	reduce	reduce	VERB
afbr-600	65	15	their	their	PRON
afbr-600	65	16	lending	lending	NOUN
afbr-600	65	17	to	to	ADP
afbr-600	65	18	smes	sme	NOUN
afbr-600	65	19	whose	whose	DET
afbr-600	65	20	credit	credit	NOUN
afbr-600	65	21	ratings	rating	NOUN
afbr-600	65	22	are	be	AUX
afbr-600	65	23	relatively	relatively	ADV
afbr-600	65	24	low	low	ADJ
afbr-600	65	25	.	.	PUNCT
afbr-600	66	1	according	accord	VERB
afbr-600	66	2	to	to	ADP
afbr-600	66	3	jeong	jeong	PROPN
afbr-600	66	4	,	,	PUNCT
afbr-600	66	5	(	(	PUNCT
afbr-600	66	6	2009	2009	NUM
afbr-600	66	7	)	)	PUNCT
afbr-600	66	8	bank	bank	NOUN
afbr-600	66	9	lending	lending	NOUN
afbr-600	66	10	to	to	ADP
afbr-600	66	11	large	large	ADJ
afbr-600	66	12	corporations	corporation	NOUN
afbr-600	66	13	and	and	CCONJ
afbr-600	66	14	households	household	NOUN
afbr-600	66	15	has	have	AUX
afbr-600	66	16	continued	continue	VERB
afbr-600	66	17	to	to	PART
afbr-600	66	18	rise	rise	VERB
afbr-600	66	19	since	since	SCONJ
afbr-600	66	20	introduction	introduction	NOUN
afbr-600	66	21	of	of	ADP
afbr-600	66	22	the	the	DET
afbr-600	66	23	loan	loan	NOUN
afbr-600	66	24	-	-	PUNCT
afbr-600	66	25	to	to	ADP
afbr-600	66	26	-	-	PUNCT
afbr-600	66	27	deposit	deposit	NOUN
afbr-600	66	28	ratio	ratio	NOUN
afbr-600	66	29	regulation	regulation	NOUN
afbr-600	66	30	,	,	PUNCT
afbr-600	66	31	whereas	whereas	SCONJ
afbr-600	66	32	their	their	PRON
afbr-600	66	33	lending	lending	NOUN
afbr-600	66	34	to	to	ADP
afbr-600	66	35	smes	sme	NOUN
afbr-600	66	36	has	have	AUX
afbr-600	66	37	stagnated	stagnate	VERB
afbr-600	66	38	or	or	CCONJ
afbr-600	66	39	declined	decline	VERB
afbr-600	66	40	.	.	PUNCT
afbr-600	67	1	bank	bank	PROPN
afbr-600	67	2	liquidity	liquidity	PROPN
afbr-600	67	3	ratio	ratio	PROPN
afbr-600	67	4	bank	bank	PROPN
afbr-600	67	5	for	for	ADP
afbr-600	67	6	international	international	ADJ
afbr-600	67	7	settlements	settlement	NOUN
afbr-600	67	8	(	(	PUNCT
afbr-600	67	9	2008	2008	NUM
afbr-600	67	10	)	)	PUNCT
afbr-600	67	11	defined	define	VERB
afbr-600	67	12	liquidity	liquidity	NOUN
afbr-600	67	13	as	as	ADP
afbr-600	67	14	the	the	DET
afbr-600	67	15	ability	ability	NOUN
afbr-600	67	16	of	of	ADP
afbr-600	67	17	bank	bank	NOUN
afbr-600	67	18	to	to	PART
afbr-600	67	19	fund	fund	VERB
afbr-600	67	20	increases	increase	NOUN
afbr-600	67	21	in	in	ADP
afbr-600	67	22	assets	asset	NOUN
afbr-600	67	23	and	and	CCONJ
afbr-600	67	24	meet	meet	VERB
afbr-600	67	25	obligations	obligation	NOUN
afbr-600	67	26	as	as	SCONJ
afbr-600	67	27	they	they	PRON
afbr-600	67	28	come	come	VERB
afbr-600	67	29	due	due	ADJ
afbr-600	67	30	,	,	PUNCT
afbr-600	67	31	without	without	ADP
afbr-600	67	32	incurring	incur	VERB
afbr-600	67	33	unacceptable	unacceptable	ADJ
afbr-600	67	34	losses	loss	NOUN
afbr-600	67	35	.	.	PUNCT
afbr-600	68	1	liquidity	liquidity	NOUN
afbr-600	68	2	risk	risk	NOUN
afbr-600	68	3	arises	arise	VERB
afbr-600	68	4	from	from	ADP
afbr-600	68	5	the	the	DET
afbr-600	68	6	fundamental	fundamental	ADJ
afbr-600	68	7	role	role	NOUN
afbr-600	68	8	of	of	ADP
afbr-600	68	9	banks	bank	NOUN
afbr-600	68	10	in	in	ADP
afbr-600	68	11	the	the	DET
afbr-600	68	12	maturity	maturity	NOUN
afbr-600	68	13	transformation	transformation	NOUN
afbr-600	68	14	of	of	ADP
afbr-600	68	15	short	short	ADJ
afbr-600	68	16	-	-	PUNCT
afbr-600	68	17	term	term	NOUN
afbr-600	68	18	deposits	deposit	NOUN
afbr-600	68	19	into	into	ADP
afbr-600	68	20	long	long	ADJ
afbr-600	68	21	-	-	PUNCT
afbr-600	68	22	term	term	NOUN
afbr-600	68	23	loans	loan	NOUN
afbr-600	68	24	.	.	PUNCT
afbr-600	69	1	the	the	DET
afbr-600	69	2	term	term	NOUN
afbr-600	69	3	liquidity	liquidity	NOUN
afbr-600	69	4	risk	risk	NOUN
afbr-600	69	5	includes	include	VERB
afbr-600	69	6	two	two	NUM
afbr-600	69	7	types	type	NOUN
afbr-600	69	8	of	of	ADP
afbr-600	69	9	risk	risk	NOUN
afbr-600	69	10	:	:	PUNCT
afbr-600	69	11	funding	fund	VERB
afbr-600	69	12	liquidity	liquidity	NOUN
afbr-600	69	13	risk	risk	NOUN
afbr-600	69	14	and	and	CCONJ
afbr-600	69	15	market	market	NOUN
afbr-600	69	16	liquidity	liquidity	NOUN
afbr-600	69	17	risk	risk	NOUN
afbr-600	69	18	.	.	PUNCT
afbr-600	70	1	funding	funding	NOUN
afbr-600	70	2	liquidity	liquidity	NOUN
afbr-600	70	3	risk	risk	NOUN
afbr-600	70	4	is	be	AUX
afbr-600	70	5	the	the	DET
afbr-600	70	6	risk	risk	NOUN
afbr-600	70	7	that	that	SCONJ
afbr-600	70	8	the	the	DET
afbr-600	70	9	bank	bank	NOUN
afbr-600	70	10	will	will	AUX
afbr-600	70	11	not	not	PART
afbr-600	70	12	be	be	AUX
afbr-600	70	13	able	able	ADJ
afbr-600	70	14	to	to	PART
afbr-600	70	15	meet	meet	VERB
afbr-600	70	16	efficiently	efficiently	ADV
afbr-600	70	17	both	both	PRON
afbr-600	70	18	expected	expect	VERB
afbr-600	70	19	and	and	CCONJ
afbr-600	70	20	unexpected	unexpected	ADJ
afbr-600	70	21	current	current	ADJ
afbr-600	70	22	and	and	CCONJ
afbr-600	70	23	future	future	ADJ
afbr-600	70	24	cash	cash	NOUN
afbr-600	70	25	flow	flow	NOUN
afbr-600	70	26	and	and	CCONJ
afbr-600	70	27	collateral	collateral	NOUN
afbr-600	70	28	needs	need	NOUN
afbr-600	70	29	without	without	ADP
afbr-600	70	30	affecting	affect	VERB
afbr-600	70	31	either	either	CCONJ
afbr-600	70	32	daily	daily	ADJ
afbr-600	70	33	operations	operation	NOUN
afbr-600	70	34	or	or	CCONJ
afbr-600	70	35	the	the	DET
afbr-600	70	36	financial	financial	ADJ
afbr-600	70	37	condition	condition	NOUN
afbr-600	70	38	of	of	ADP
afbr-600	70	39	the	the	DET
afbr-600	70	40	firm	firm	NOUN
afbr-600	70	41	.	.	PUNCT
afbr-600	71	1	market	market	NOUN
afbr-600	71	2	liquidity	liquidity	NOUN
afbr-600	71	3	risk	risk	NOUN
afbr-600	71	4	is	be	AUX
afbr-600	71	5	the	the	DET
afbr-600	71	6	risk	risk	NOUN
afbr-600	71	7	that	that	SCONJ
afbr-600	71	8	a	a	DET
afbr-600	71	9	bank	bank	NOUN
afbr-600	71	10	can	can	AUX
afbr-600	71	11	not	not	PART
afbr-600	71	12	easily	easily	ADV
afbr-600	71	13	offset	offset	VERB
afbr-600	71	14	or	or	CCONJ
afbr-600	71	15	eliminate	eliminate	VERB
afbr-600	71	16	a	a	DET
afbr-600	71	17	position	position	NOUN
afbr-600	71	18	at	at	ADP
afbr-600	71	19	the	the	DET
afbr-600	71	20	market	market	NOUN
afbr-600	71	21	price	price	NOUN
afbr-600	71	22	because	because	SCONJ
afbr-600	71	23	of	of	ADP
afbr-600	71	24	inadequate	inadequate	ADJ
afbr-600	71	25	market	market	NOUN
afbr-600	71	26	depth	depth	NOUN
afbr-600	71	27	or	or	CCONJ
afbr-600	71	28	market	market	NOUN
afbr-600	71	29	disruption	disruption	NOUN
afbr-600	71	30	.	.	PUNCT
afbr-600	72	1	liquidity	liquidity	NOUN
afbr-600	72	2	risk	risk	NOUN
afbr-600	72	3	can	can	AUX
afbr-600	72	4	be	be	AUX
afbr-600	72	5	measured	measure	VERB
afbr-600	72	6	by	by	ADP
afbr-600	72	7	two	two	NUM
afbr-600	72	8	main	main	ADJ
afbr-600	72	9	methods	method	NOUN
afbr-600	72	10	:	:	PUNCT
afbr-600	72	11	liquidity	liquidity	NOUN
afbr-600	72	12	gap	gap	NOUN
afbr-600	72	13	and	and	CCONJ
afbr-600	72	14	liquidity	liquidity	NOUN
afbr-600	72	15	ratios	ratio	NOUN
afbr-600	72	16	.	.	PUNCT
afbr-600	73	1	the	the	DET
afbr-600	73	2	liquidity	liquidity	NOUN
afbr-600	73	3	gap	gap	NOUN
afbr-600	73	4	is	be	AUX
afbr-600	73	5	the	the	DET
afbr-600	73	6	difference	difference	NOUN
afbr-600	73	7	between	between	ADP
afbr-600	73	8	assets	asset	NOUN
afbr-600	73	9	and	and	CCONJ
afbr-600	73	10	liabilities	liability	NOUN
afbr-600	73	11	at	at	ADP
afbr-600	73	12	both	both	CCONJ
afbr-600	73	13	present	present	ADJ
afbr-600	73	14	and	and	CCONJ
afbr-600	73	15	future	future	ADJ
afbr-600	73	16	dates	date	NOUN
afbr-600	73	17	.	.	PUNCT
afbr-600	74	1	positive	positive	ADJ
afbr-600	74	2	gap	gap	NOUN
afbr-600	74	3	between	between	ADP
afbr-600	74	4	assets	asset	NOUN
afbr-600	74	5	and	and	CCONJ
afbr-600	74	6	liabilities	liability	NOUN
afbr-600	74	7	is	be	AUX
afbr-600	74	8	equivalent	equivalent	ADJ
afbr-600	74	9	to	to	ADP
afbr-600	74	10	a	a	DET
afbr-600	74	11	deficit	deficit	NOUN
afbr-600	74	12	(	(	PUNCT
afbr-600	74	13	bessis	bessis	NOUN
afbr-600	74	14	,	,	PUNCT
afbr-600	74	15	2009	2009	NUM
afbr-600	74	16	)	)	PUNCT
afbr-600	74	17	.	.	PUNCT
afbr-600	75	1	liquidity	liquidity	NOUN
afbr-600	75	2	ratios	ratio	NOUN
afbr-600	75	3	are	be	AUX
afbr-600	75	4	various	various	ADJ
afbr-600	75	5	balance	balance	NOUN
afbr-600	75	6	sheet	sheet	NOUN
afbr-600	75	7	ratios	ratio	NOUN
afbr-600	75	8	which	which	PRON
afbr-600	75	9	should	should	AUX
afbr-600	75	10	identify	identify	VERB
afbr-600	75	11	main	main	ADJ
afbr-600	75	12	liquidity	liquidity	NOUN
afbr-600	75	13	trends	trend	NOUN
afbr-600	75	14	.	.	PUNCT
afbr-600	76	1	these	these	DET
afbr-600	76	2	ratios	ratio	NOUN
afbr-600	76	3	reflect	reflect	VERB
afbr-600	76	4	the	the	DET
afbr-600	76	5	fact	fact	NOUN
afbr-600	76	6	that	that	SCONJ
afbr-600	76	7	bank	bank	NOUN
afbr-600	76	8	should	should	AUX
afbr-600	76	9	be	be	AUX
afbr-600	76	10	sure	sure	ADJ
afbr-600	76	11	that	that	SCONJ
afbr-600	76	12	appropriate	appropriate	ADJ
afbr-600	76	13	,	,	PUNCT
afbr-600	76	14	low	low	ADJ
afbr-600	76	15	-	-	PUNCT
afbr-600	76	16	cost	cost	NOUN
afbr-600	76	17	funding	funding	NOUN
afbr-600	76	18	is	be	AUX
afbr-600	76	19	available	available	ADJ
afbr-600	76	20	in	in	ADP
afbr-600	76	21	a	a	DET
afbr-600	76	22	short	short	ADJ
afbr-600	76	23	time	time	NOUN
afbr-600	76	24	.	.	PUNCT
afbr-600	77	1	this	this	PRON
afbr-600	77	2	might	might	AUX
afbr-600	77	3	involve	involve	VERB
afbr-600	77	4	holding	hold	VERB
afbr-600	77	5	a	a	DET
afbr-600	77	6	portfolio	portfolio	NOUN
afbr-600	77	7	of	of	ADP
afbr-600	77	8	assets	asset	NOUN
afbr-600	77	9	than	than	SCONJ
afbr-600	77	10	can	can	AUX
afbr-600	77	11	be	be	AUX
afbr-600	77	12	easily	easily	ADV
afbr-600	77	13	sold	sell	VERB
afbr-600	77	14	(	(	PUNCT
afbr-600	77	15	cash	cash	NOUN
afbr-600	77	16	reserves	reserve	NOUN
afbr-600	77	17	,	,	PUNCT
afbr-600	77	18	minimum	minimum	ADJ
afbr-600	77	19	required	require	VERB
afbr-600	77	20	reserves	reserve	NOUN
afbr-600	77	21	or	or	CCONJ
afbr-600	77	22	government	government	NOUN
afbr-600	77	23	securities	security	NOUN
afbr-600	77	24	)	)	PUNCT
afbr-600	77	25	,	,	PUNCT
afbr-600	77	26	holding	hold	VERB
afbr-600	77	27	significant	significant	ADJ
afbr-600	77	28	volumes	volume	NOUN
afbr-600	77	29	of	of	ADP
afbr-600	77	30	stable	stable	ADJ
afbr-600	77	31	liabilities	liability	NOUN
afbr-600	77	32	(	(	PUNCT
afbr-600	77	33	especially	especially	ADV
afbr-600	77	34	deposits	deposit	NOUN
afbr-600	77	35	from	from	ADP
afbr-600	77	36	retail	retail	ADJ
afbr-600	77	37	depositors	depositor	NOUN
afbr-600	77	38	)	)	PUNCT
afbr-600	77	39	or	or	CCONJ
afbr-600	77	40	maintaining	maintain	VERB
afbr-600	77	41	credit	credit	NOUN
afbr-600	77	42	lines	line	NOUN
afbr-600	77	43	with	with	ADP
afbr-600	77	44	other	other	ADJ
afbr-600	77	45	financial	financial	ADJ
afbr-600	77	46	institutions	institution	NOUN
afbr-600	77	47	.	.	PUNCT
afbr-600	78	1	various	various	ADJ
afbr-600	78	2	authors	author	NOUN
afbr-600	78	3	like	like	ADP
afbr-600	78	4	more	more	ADJ
afbr-600	78	5	(	(	PUNCT
afbr-600	78	6	2010	2010	NUM
afbr-600	78	7	)	)	PUNCT
afbr-600	78	8	;	;	PUNCT
afbr-600	78	9	praet	praet	NOUN
afbr-600	78	10	(	(	PUNCT
afbr-600	78	11	2009	2009	NUM
afbr-600	78	12	)	)	PUNCT
afbr-600	78	13	;	;	PUNCT
afbr-600	78	14	rychtárik	rychtárik	PROPN
afbr-600	78	15	(	(	PUNCT
afbr-600	78	16	2009	2009	NUM
afbr-600	78	17	)	)	PUNCT
afbr-600	78	18	provide	provide	VERB
afbr-600	78	19	various	various	ADJ
afbr-600	78	20	liquidity	liquidity	NOUN
afbr-600	78	21	ratios	ratio	NOUN
afbr-600	78	22	.	.	PUNCT
afbr-600	79	1	bank	bank	NOUN
afbr-600	79	2	liquidity	liquidity	NOUN
afbr-600	79	3	can	can	AUX
afbr-600	79	4	be	be	AUX
afbr-600	79	5	measured	measure	VERB
afbr-600	79	6	as	as	SCONJ
afbr-600	79	7	follows	follow	VERB
afbr-600	79	8	:	:	PUNCT
afbr-600	79	9	liquid	liquid	ADJ
afbr-600	79	10	assets	asset	NOUN
afbr-600	79	11	total	total	ADJ
afbr-600	79	12	assets	asset	NOUN
afbr-600	79	13	the	the	DET
afbr-600	79	14	liquidity	liquidity	NOUN
afbr-600	79	15	ratio	ratio	NOUN
afbr-600	79	16	should	should	AUX
afbr-600	79	17	give	give	VERB
afbr-600	79	18	us	we	PRON
afbr-600	79	19	information	information	NOUN
afbr-600	79	20	about	about	ADP
afbr-600	79	21	the	the	DET
afbr-600	79	22	general	general	ADJ
afbr-600	79	23	liquidity	liquidity	NOUN
afbr-600	79	24	shock	shock	NOUN
afbr-600	79	25	absorption	absorption	NOUN
afbr-600	79	26	capacity	capacity	NOUN
afbr-600	79	27	of	of	ADP
afbr-600	79	28	a	a	DET
afbr-600	79	29	bank	bank	NOUN
afbr-600	79	30	.	.	PUNCT
afbr-600	80	1	as	as	ADP
afbr-600	80	2	a	a	DET
afbr-600	80	3	general	general	ADJ
afbr-600	80	4	rule	rule	NOUN
afbr-600	80	5	,	,	PUNCT
afbr-600	80	6	the	the	PRON
afbr-600	80	7	higher	high	ADJ
afbr-600	80	8	the	the	DET
afbr-600	80	9	share	share	NOUN
afbr-600	80	10	of	of	ADP
afbr-600	80	11	liquid	liquid	ADJ
afbr-600	80	12	assets	asset	NOUN
afbr-600	80	13	in	in	ADP
afbr-600	80	14	total	total	ADJ
afbr-600	80	15	assets	asset	NOUN
afbr-600	80	16	,	,	PUNCT
afbr-600	80	17	the	the	PRON
afbr-600	80	18	higher	high	ADJ
afbr-600	80	19	the	the	DET
afbr-600	80	20	capacity	capacity	NOUN
afbr-600	80	21	to	to	PART
afbr-600	80	22	absorb	absorb	VERB
afbr-600	80	23	liquidity	liquidity	NOUN
afbr-600	80	24	shock	shock	NOUN
afbr-600	80	25	,	,	PUNCT
afbr-600	80	26	given	give	VERB
afbr-600	80	27	that	that	SCONJ
afbr-600	80	28	market	market	NOUN
afbr-600	80	29	liquidity	liquidity	NOUN
afbr-600	80	30	is	be	AUX
afbr-600	80	31	the	the	DET
afbr-600	80	32	same	same	ADJ
afbr-600	80	33	for	for	ADP
afbr-600	80	34	all	all	DET
afbr-600	80	35	banks	bank	NOUN
afbr-600	80	36	in	in	ADP
afbr-600	80	37	the	the	DET
afbr-600	80	38	sample	sample	NOUN
afbr-600	80	39	.	.	PUNCT
afbr-600	81	1	nevertheless	nevertheless	ADV
afbr-600	81	2	,	,	PUNCT
afbr-600	81	3	high	high	ADJ
afbr-600	81	4	value	value	NOUN
afbr-600	81	5	of	of	ADP
afbr-600	81	6	this	this	DET
afbr-600	81	7	ratio	ratio	NOUN
afbr-600	81	8	may	may	AUX
afbr-600	81	9	be	be	AUX
afbr-600	81	10	also	also	ADV
afbr-600	81	11	interpreted	interpret	VERB
afbr-600	81	12	as	as	ADP
afbr-600	81	13	inefficiency	inefficiency	NOUN
afbr-600	81	14	,	,	PUNCT
afbr-600	81	15	since	since	SCONJ
afbr-600	81	16	liquid	liquid	ADJ
afbr-600	81	17	assets	asset	NOUN
afbr-600	81	18	yield	yield	VERB
afbr-600	81	19	lower	low	ADJ
afbr-600	81	20	income	income	NOUN
afbr-600	81	21	liquidity	liquidity	NOUN
afbr-600	81	22	bears	bear	VERB
afbr-600	81	23	high	high	ADJ
afbr-600	81	24	opportunity	opportunity	NOUN
afbr-600	81	25	costs	cost	NOUN
afbr-600	81	26	for	for	ADP
afbr-600	81	27	the	the	DET
afbr-600	81	28	bank	bank	NOUN
afbr-600	81	29	.	.	PUNCT
afbr-600	82	1	thus	thus	ADV
afbr-600	82	2	it	it	PRON
afbr-600	82	3	is	be	AUX
afbr-600	82	4	necessary	necessary	ADJ
afbr-600	82	5	to	to	PART
afbr-600	82	6	optimize	optimize	VERB
afbr-600	82	7	the	the	DET
afbr-600	82	8	relation	relation	NOUN
afbr-600	82	9	between	between	ADP
afbr-600	82	10	liquidity	liquidity	NOUN
afbr-600	82	11	and	and	CCONJ
afbr-600	82	12	profitability	profitability	NOUN
afbr-600	82	13	.	.	PUNCT
afbr-600	83	1	liquid	liquid	ADJ
afbr-600	83	2	assets	asset	NOUN
afbr-600	83	3	deposits	deposit	NOUN
afbr-600	83	4	+	+	CCONJ
afbr-600	83	5	short	short	ADJ
afbr-600	83	6	term	term	NOUN
afbr-600	83	7	borrowing	borrow	VERB
afbr-600	83	8	the	the	DET
afbr-600	83	9	liquidity	liquidity	NOUN
afbr-600	83	10	ratio	ratio	NOUN
afbr-600	83	11	is	be	AUX
afbr-600	83	12	more	more	ADV
afbr-600	83	13	focused	focused	ADJ
afbr-600	83	14	on	on	ADP
afbr-600	83	15	the	the	DET
afbr-600	83	16	bank	bank	NOUN
afbr-600	83	17	’s	’s	PART
afbr-600	83	18	sensitivity	sensitivity	NOUN
afbr-600	83	19	to	to	ADP
afbr-600	83	20	selected	select	VERB
afbr-600	83	21	types	type	NOUN
afbr-600	83	22	of	of	ADP
afbr-600	83	23	funding	funding	NOUN
afbr-600	83	24	(	(	PUNCT
afbr-600	83	25	we	we	PRON
afbr-600	83	26	included	include	VERB
afbr-600	83	27	deposits	deposit	NOUN
afbr-600	83	28	of	of	ADP
afbr-600	83	29	households	household	NOUN
afbr-600	83	30	,	,	PUNCT
afbr-600	83	31	enterprises	enterprise	NOUN
afbr-600	83	32	and	and	CCONJ
afbr-600	83	33	other	other	ADJ
afbr-600	83	34	financial	financial	ADJ
afbr-600	83	35	institutions	institution	NOUN
afbr-600	83	36	)	)	PUNCT
afbr-600	83	37	.	.	PUNCT
afbr-600	84	1	the	the	DET
afbr-600	84	2	ratio	ratio	NOUN
afbr-600	84	3	should	should	AUX
afbr-600	84	4	therefore	therefore	ADV
afbr-600	84	5	capture	capture	VERB
afbr-600	84	6	the	the	DET
afbr-600	84	7	bank	bank	NOUN
afbr-600	84	8	’s	’s	PART
afbr-600	84	9	vulnerability	vulnerability	NOUN
afbr-600	84	10	related	relate	VERB
afbr-600	84	11	to	to	ADP
afbr-600	84	12	these	these	DET
afbr-600	84	13	funding	funding	NOUN
afbr-600	84	14	sources	source	NOUN
afbr-600	84	15	.	.	PUNCT
afbr-600	85	1	the	the	DET
afbr-600	85	2	bank	bank	NOUN
afbr-600	85	3	is	be	AUX
afbr-600	85	4	able	able	ADJ
afbr-600	85	5	to	to	PART
afbr-600	85	6	meet	meet	VERB
afbr-600	85	7	its	its	PRON
afbr-600	85	8	obligations	obligation	NOUN
afbr-600	85	9	in	in	ADP
afbr-600	85	10	terms	term	NOUN
afbr-600	85	11	of	of	ADP
afbr-600	85	12	funding	funding	NOUN
afbr-600	85	13	(	(	PUNCT
afbr-600	85	14	the	the	DET
afbr-600	85	15	volume	volume	NOUN
afbr-600	85	16	of	of	ADP
afbr-600	85	17	liquid	liquid	ADJ
afbr-600	85	18	assets	asset	NOUN
afbr-600	85	19	is	be	AUX
afbr-600	85	20	high	high	ADJ
afbr-600	85	21	enough	enough	ADV
afbr-600	85	22	to	to	PART
afbr-600	85	23	cover	cover	VERB
afbr-600	85	24	volatile	volatile	ADJ
afbr-600	85	25	copyright	copyright	NOUN
afbr-600	85	26	©	©	PROPN
afbr-600	85	27	cc	cc	NOUN
afbr-600	85	28	-	-	PUNCT
afbr-600	85	29	by	by	ADP
afbr-600	85	30	-	-	PUNCT
afbr-600	85	31	nc	nc	PROPN
afbr-600	85	32	2019	2019	NUM
afbr-600	85	33	,	,	PUNCT
afbr-600	85	34	cribfb	cribfb	PROPN
afbr-600	85	35	|	|	ADV
afbr-600	85	36	afbr	afbr	PROPN
afbr-600	85	37	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	85	38	australian	australian	ADJ
afbr-600	85	39	finance	finance	PROPN
afbr-600	85	40	&	&	CCONJ
afbr-600	85	41	banking	banking	PROPN
afbr-600	85	42	review	review	PROPN
afbr-600	85	43	vol	vol	NOUN
afbr-600	85	44	.	.	PROPN
afbr-600	86	1	4	4	NUM
afbr-600	86	2	,	,	PUNCT
afbr-600	86	3	no	no	INTJ
afbr-600	86	4	.	.	NOUN
afbr-600	86	5	1	1	NUM
afbr-600	86	6	;	;	PUNCT
afbr-600	86	7	2020	2020	NUM
afbr-600	86	8	21	21	NUM
afbr-600	86	9	funding	funding	NOUN
afbr-600	86	10	)	)	PUNCT
afbr-600	86	11	if	if	SCONJ
afbr-600	86	12	the	the	DET
afbr-600	86	13	value	value	NOUN
afbr-600	86	14	of	of	ADP
afbr-600	86	15	this	this	DET
afbr-600	86	16	ratio	ratio	NOUN
afbr-600	86	17	is	be	AUX
afbr-600	86	18	100	100	NUM
afbr-600	86	19	%	%	NOUN
afbr-600	86	20	or	or	CCONJ
afbr-600	86	21	more	more	ADJ
afbr-600	86	22	.	.	PUNCT
afbr-600	87	1	lower	low	ADJ
afbr-600	87	2	value	value	NOUN
afbr-600	87	3	indicates	indicate	VERB
afbr-600	87	4	a	a	DET
afbr-600	87	5	bank	bank	NOUN
afbr-600	87	6	’s	’s	PART
afbr-600	87	7	increased	increase	VERB
afbr-600	87	8	sensitivity	sensitivity	NOUN
afbr-600	87	9	related	relate	VERB
afbr-600	87	10	to	to	ADP
afbr-600	87	11	deposit	deposit	NOUN
afbr-600	87	12	withdrawals	withdrawal	NOUN
afbr-600	87	13	.	.	PUNCT
afbr-600	88	1	loans	loan	NOUN
afbr-600	88	2	total	total	ADJ
afbr-600	88	3	assets	asset	NOUN
afbr-600	88	4	the	the	DET
afbr-600	88	5	ratio	ratio	NOUN
afbr-600	88	6	measures	measure	VERB
afbr-600	88	7	the	the	DET
afbr-600	88	8	share	share	NOUN
afbr-600	88	9	of	of	ADP
afbr-600	88	10	loans	loan	NOUN
afbr-600	88	11	in	in	ADP
afbr-600	88	12	total	total	ADJ
afbr-600	88	13	assets	asset	NOUN
afbr-600	88	14	.	.	PUNCT
afbr-600	89	1	it	it	PRON
afbr-600	89	2	indicates	indicate	VERB
afbr-600	89	3	what	what	DET
afbr-600	89	4	percentage	percentage	NOUN
afbr-600	89	5	of	of	ADP
afbr-600	89	6	the	the	DET
afbr-600	89	7	assets	asset	NOUN
afbr-600	89	8	of	of	ADP
afbr-600	89	9	the	the	DET
afbr-600	89	10	bank	bank	NOUN
afbr-600	89	11	is	be	AUX
afbr-600	89	12	tied	tie	VERB
afbr-600	89	13	up	up	ADP
afbr-600	89	14	in	in	ADP
afbr-600	89	15	illiquid	illiquid	ADJ
afbr-600	89	16	loans	loan	NOUN
afbr-600	89	17	.	.	PUNCT
afbr-600	90	1	therefore	therefore	ADV
afbr-600	90	2	,	,	PUNCT
afbr-600	90	3	the	the	PRON
afbr-600	90	4	higher	high	ADJ
afbr-600	90	5	this	this	DET
afbr-600	90	6	ratio	ratio	NOUN
afbr-600	90	7	the	the	DET
afbr-600	90	8	less	less	ADV
afbr-600	90	9	liquid	liquid	ADJ
afbr-600	90	10	the	the	DET
afbr-600	90	11	bank	bank	NOUN
afbr-600	90	12	is	be	AUX
afbr-600	90	13	.	.	PUNCT
afbr-600	91	1	loans	loan	NOUN
afbr-600	91	2	deposits	deposit	NOUN
afbr-600	91	3	+	+	CCONJ
afbr-600	91	4	short	short	ADJ
afbr-600	91	5	term	term	NOUN
afbr-600	91	6	borrowing	borrow	VERB
afbr-600	91	7	the	the	DET
afbr-600	91	8	last	last	ADJ
afbr-600	91	9	liquidity	liquidity	NOUN
afbr-600	91	10	ratio	ratio	NOUN
afbr-600	91	11	relates	relate	VERB
afbr-600	91	12	illiquid	illiquid	ADJ
afbr-600	91	13	assets	asset	NOUN
afbr-600	91	14	with	with	ADP
afbr-600	91	15	liquid	liquid	ADJ
afbr-600	91	16	liabilities	liability	NOUN
afbr-600	91	17	.	.	PUNCT
afbr-600	92	1	its	its	PRON
afbr-600	92	2	interpretation	interpretation	NOUN
afbr-600	92	3	is	be	AUX
afbr-600	92	4	the	the	DET
afbr-600	92	5	same	same	ADJ
afbr-600	92	6	as	as	ADP
afbr-600	92	7	in	in	ADP
afbr-600	92	8	case	case	NOUN
afbr-600	92	9	of	of	ADP
afbr-600	92	10	ratio	ratio	NOUN
afbr-600	92	11	the	the	PRON
afbr-600	92	12	higher	high	ADJ
afbr-600	92	13	this	this	DET
afbr-600	92	14	ratio	ratio	NOUN
afbr-600	92	15	the	the	DET
afbr-600	92	16	less	less	ADV
afbr-600	92	17	liquid	liquid	ADJ
afbr-600	92	18	the	the	DET
afbr-600	92	19	bank	bank	NOUN
afbr-600	92	20	is	be	AUX
afbr-600	92	21	.	.	PUNCT
afbr-600	93	1	although	although	SCONJ
afbr-600	93	2	liquidity	liquidity	NOUN
afbr-600	93	3	problems	problem	NOUN
afbr-600	93	4	of	of	ADP
afbr-600	93	5	some	some	DET
afbr-600	93	6	banks	bank	NOUN
afbr-600	93	7	during	during	ADP
afbr-600	93	8	global	global	ADJ
afbr-600	93	9	financial	financial	ADJ
afbr-600	93	10	crisis	crisis	NOUN
afbr-600	93	11	re	re	VERB
afbr-600	93	12	-	-	VERB
afbr-600	93	13	emphasized	emphasize	VERB
afbr-600	93	14	the	the	DET
afbr-600	93	15	fact	fact	NOUN
afbr-600	93	16	that	that	SCONJ
afbr-600	93	17	liquidity	liquidity	NOUN
afbr-600	93	18	is	be	AUX
afbr-600	93	19	very	very	ADV
afbr-600	93	20	important	important	ADJ
afbr-600	93	21	for	for	ADP
afbr-600	93	22	functioning	function	VERB
afbr-600	93	23	of	of	ADP
afbr-600	93	24	financial	financial	ADJ
afbr-600	93	25	markets	market	NOUN
afbr-600	93	26	and	and	CCONJ
afbr-600	93	27	the	the	DET
afbr-600	93	28	banking	banking	NOUN
afbr-600	93	29	sector	sector	NOUN
afbr-600	93	30	,	,	PUNCT
afbr-600	93	31	an	an	DET
afbr-600	93	32	important	important	ADJ
afbr-600	93	33	gap	gap	NOUN
afbr-600	93	34	still	still	ADV
afbr-600	93	35	exists	exist	VERB
afbr-600	93	36	in	in	ADP
afbr-600	93	37	the	the	DET
afbr-600	93	38	empirical	empirical	ADJ
afbr-600	93	39	literature	literature	NOUN
afbr-600	93	40	about	about	ADP
afbr-600	93	41	liquidity	liquidity	NOUN
afbr-600	93	42	and	and	CCONJ
afbr-600	93	43	its	its	PRON
afbr-600	93	44	measuring	measuring	NOUN
afbr-600	93	45	.	.	PUNCT
afbr-600	94	1	private	private	ADJ
afbr-600	94	2	sector	sector	NOUN
afbr-600	94	3	funding	fund	VERB
afbr-600	94	4	the	the	DET
afbr-600	94	5	private	private	ADJ
afbr-600	94	6	sector	sector	NOUN
afbr-600	94	7	is	be	AUX
afbr-600	94	8	said	say	VERB
afbr-600	94	9	to	to	PART
afbr-600	94	10	be	be	AUX
afbr-600	94	11	the	the	DET
afbr-600	94	12	engine	engine	NOUN
afbr-600	94	13	of	of	ADP
afbr-600	94	14	economic	economic	ADJ
afbr-600	94	15	growth	growth	NOUN
afbr-600	94	16	for	for	ADP
afbr-600	94	17	a	a	DET
afbr-600	94	18	country	country	NOUN
afbr-600	94	19	,	,	PUNCT
afbr-600	94	20	especially	especially	ADV
afbr-600	94	21	,	,	PUNCT
afbr-600	94	22	for	for	ADP
afbr-600	94	23	developing	develop	VERB
afbr-600	94	24	economies	economy	NOUN
afbr-600	94	25	(	(	PUNCT
afbr-600	94	26	william	william	PROPN
afbr-600	94	27	,	,	PUNCT
afbr-600	94	28	zehou	zehou	PROPN
afbr-600	94	29	and	and	CCONJ
afbr-600	94	30	hazimi	hazimi	PROPN
afbr-600	94	31	,	,	PUNCT
afbr-600	94	32	2019	2019	NUM
afbr-600	94	33	)	)	PUNCT
afbr-600	94	34	.	.	PUNCT
afbr-600	95	1	the	the	DET
afbr-600	95	2	private	private	ADJ
afbr-600	95	3	sector	sector	NOUN
afbr-600	95	4	remains	remain	VERB
afbr-600	95	5	the	the	DET
afbr-600	95	6	nucleus	nucleus	NOUN
afbr-600	95	7	that	that	PRON
afbr-600	95	8	drives	drive	VERB
afbr-600	95	9	economic	economic	ADJ
afbr-600	95	10	growth	growth	NOUN
afbr-600	95	11	.	.	PUNCT
afbr-600	96	1	private	private	ADJ
afbr-600	96	2	sector	sector	NOUN
afbr-600	96	3	funding	funding	NOUN
afbr-600	96	4	(	(	PUNCT
afbr-600	96	5	credit	credit	NOUN
afbr-600	96	6	)	)	PUNCT
afbr-600	96	7	is	be	AUX
afbr-600	96	8	no	no	PRON
afbr-600	96	9	doubt	doubt	ADV
afbr-600	96	10	a	a	DET
afbr-600	96	11	driver	driver	NOUN
afbr-600	96	12	of	of	ADP
afbr-600	96	13	the	the	DET
afbr-600	96	14	real	real	ADJ
afbr-600	96	15	economy	economy	NOUN
afbr-600	96	16	,	,	PUNCT
afbr-600	96	17	particularly	particularly	ADV
afbr-600	96	18	in	in	ADP
afbr-600	96	19	developing	develop	VERB
afbr-600	96	20	economies	economy	NOUN
afbr-600	96	21	like	like	ADP
afbr-600	96	22	nigeria	nigeria	PRON
afbr-600	96	23	where	where	SCONJ
afbr-600	96	24	the	the	DET
afbr-600	96	25	financial	financial	ADJ
afbr-600	96	26	markets	market	NOUN
afbr-600	96	27	are	be	AUX
afbr-600	96	28	porous	porous	ADJ
afbr-600	96	29	and	and	CCONJ
afbr-600	96	30	near	near	ADV
afbr-600	96	31	well	well	ADV
afbr-600	96	32	developed	develop	VERB
afbr-600	96	33	to	to	PART
afbr-600	96	34	mobilize	mobilize	VERB
afbr-600	96	35	the	the	DET
afbr-600	96	36	needed	need	VERB
afbr-600	96	37	resources	resource	NOUN
afbr-600	96	38	to	to	PART
afbr-600	96	39	accelerate	accelerate	VERB
afbr-600	96	40	the	the	DET
afbr-600	96	41	desired	desire	VERB
afbr-600	96	42	level	level	NOUN
afbr-600	96	43	of	of	ADP
afbr-600	96	44	economic	economic	ADJ
afbr-600	96	45	development	development	NOUN
afbr-600	96	46	.	.	PUNCT
afbr-600	97	1	the	the	DET
afbr-600	97	2	private	private	ADJ
afbr-600	97	3	sector	sector	NOUN
afbr-600	97	4	is	be	AUX
afbr-600	97	5	the	the	DET
afbr-600	97	6	part	part	NOUN
afbr-600	97	7	of	of	ADP
afbr-600	97	8	the	the	DET
afbr-600	97	9	economy	economy	NOUN
afbr-600	97	10	that	that	PRON
afbr-600	97	11	is	be	AUX
afbr-600	97	12	run	run	VERB
afbr-600	97	13	by	by	ADP
afbr-600	97	14	individuals	individual	NOUN
afbr-600	97	15	and	and	CCONJ
afbr-600	97	16	companies	company	NOUN
afbr-600	97	17	for	for	ADP
afbr-600	97	18	profit	profit	NOUN
afbr-600	97	19	and	and	CCONJ
afbr-600	97	20	is	be	AUX
afbr-600	97	21	not	not	PART
afbr-600	97	22	state	state	NOUN
afbr-600	97	23	controlled	control	VERB
afbr-600	97	24	.	.	PUNCT
afbr-600	98	1	therefore	therefore	ADV
afbr-600	98	2	,	,	PUNCT
afbr-600	98	3	it	it	PRON
afbr-600	98	4	encompasses	encompass	VERB
afbr-600	98	5	all	all	DET
afbr-600	98	6	for	for	ADP
afbr-600	98	7	-	-	PUNCT
afbr-600	98	8	profit	profit	NOUN
afbr-600	98	9	businesses	business	NOUN
afbr-600	98	10	that	that	PRON
afbr-600	98	11	are	be	AUX
afbr-600	98	12	not	not	PART
afbr-600	98	13	owned	own	VERB
afbr-600	98	14	or	or	CCONJ
afbr-600	98	15	operated	operate	VERB
afbr-600	98	16	by	by	ADP
afbr-600	98	17	the	the	DET
afbr-600	98	18	government	government	NOUN
afbr-600	98	19	.	.	PUNCT
afbr-600	99	1	according	accord	VERB
afbr-600	99	2	to	to	ADP
afbr-600	99	3	the	the	DET
afbr-600	99	4	global	global	ADJ
afbr-600	99	5	economic	economic	ADJ
afbr-600	99	6	report	report	NOUN
afbr-600	99	7	(	(	PUNCT
afbr-600	99	8	2019	2019	NUM
afbr-600	99	9	)	)	PUNCT
afbr-600	99	10	,	,	PUNCT
afbr-600	99	11	domestic	domestic	ADJ
afbr-600	99	12	credit	credit	NOUN
afbr-600	99	13	to	to	ADP
afbr-600	99	14	private	private	ADJ
afbr-600	99	15	sector	sector	NOUN
afbr-600	99	16	by	by	ADP
afbr-600	99	17	banks	bank	NOUN
afbr-600	99	18	refers	refer	VERB
afbr-600	99	19	to	to	ADP
afbr-600	99	20	financial	financial	ADJ
afbr-600	99	21	resources	resource	NOUN
afbr-600	99	22	provided	provide	VERB
afbr-600	99	23	to	to	ADP
afbr-600	99	24	the	the	DET
afbr-600	99	25	private	private	ADJ
afbr-600	99	26	sector	sector	NOUN
afbr-600	99	27	by	by	ADP
afbr-600	99	28	other	other	ADJ
afbr-600	99	29	depository	depository	NOUN
afbr-600	99	30	corporations	corporation	NOUN
afbr-600	99	31	(	(	PUNCT
afbr-600	99	32	deposit	deposit	NOUN
afbr-600	99	33	taking	take	VERB
afbr-600	99	34	corporations	corporation	NOUN
afbr-600	99	35	except	except	SCONJ
afbr-600	99	36	central	central	ADJ
afbr-600	99	37	banks	bank	NOUN
afbr-600	99	38	)	)	PUNCT
afbr-600	99	39	,	,	PUNCT
afbr-600	99	40	such	such	ADJ
afbr-600	99	41	as	as	ADP
afbr-600	99	42	through	through	ADP
afbr-600	99	43	loans	loan	NOUN
afbr-600	99	44	,	,	PUNCT
afbr-600	99	45	purchases	purchase	NOUN
afbr-600	99	46	of	of	ADP
afbr-600	99	47	non	non	ADJ
afbr-600	99	48	-	-	ADJ
afbr-600	99	49	equity	equity	ADJ
afbr-600	99	50	securities	security	NOUN
afbr-600	99	51	,	,	PUNCT
afbr-600	99	52	and	and	CCONJ
afbr-600	99	53	trade	trade	NOUN
afbr-600	99	54	credits	credit	NOUN
afbr-600	99	55	and	and	CCONJ
afbr-600	99	56	other	other	ADJ
afbr-600	99	57	accounts	account	NOUN
afbr-600	99	58	receivable	receivable	ADJ
afbr-600	99	59	,	,	PUNCT
afbr-600	99	60	that	that	PRON
afbr-600	99	61	establish	establish	VERB
afbr-600	99	62	a	a	DET
afbr-600	99	63	claim	claim	NOUN
afbr-600	99	64	for	for	ADP
afbr-600	99	65	repayment	repayment	NOUN
afbr-600	99	66	.	.	PUNCT
afbr-600	100	1	it	it	PRON
afbr-600	100	2	involves	involve	VERB
afbr-600	100	3	the	the	DET
afbr-600	100	4	pros	pro	NOUN
afbr-600	100	5	and	and	CCONJ
afbr-600	100	6	cons	con	NOUN
afbr-600	100	7	through	through	ADP
afbr-600	100	8	which	which	PRON
afbr-600	100	9	individuals	individual	NOUN
afbr-600	100	10	and	and	CCONJ
afbr-600	100	11	statutory	statutory	ADJ
afbr-600	100	12	firms	firm	NOUN
afbr-600	100	13	’	'	PUNCT
afbr-600	100	14	gains	gain	VERB
afbr-600	100	15	access	access	NOUN
afbr-600	100	16	to	to	ADP
afbr-600	100	17	the	the	DET
afbr-600	100	18	availability	availability	NOUN
afbr-600	100	19	of	of	ADP
afbr-600	100	20	credit	credit	NOUN
afbr-600	100	21	(	(	PUNCT
afbr-600	100	22	fund	fund	NOUN
afbr-600	100	23	)	)	PUNCT
afbr-600	100	24	to	to	PART
afbr-600	100	25	finance	finance	VERB
afbr-600	100	26	and	and	CCONJ
afbr-600	100	27	promote	promote	VERB
afbr-600	100	28	(	(	PUNCT
afbr-600	100	29	drive	drive	NOUN
afbr-600	100	30	)	)	PUNCT
afbr-600	100	31	investment	investment	NOUN
afbr-600	100	32	.	.	PUNCT
afbr-600	101	1	private	private	ADJ
afbr-600	101	2	sector	sector	NOUN
afbr-600	101	3	funding	funding	NOUN
afbr-600	101	4	involves	involve	VERB
afbr-600	101	5	credit	credit	NOUN
afbr-600	101	6	extended	extend	VERB
afbr-600	101	7	by	by	ADP
afbr-600	101	8	the	the	DET
afbr-600	101	9	banking	banking	NOUN
afbr-600	101	10	and	and	CCONJ
afbr-600	101	11	financial	financial	ADJ
afbr-600	101	12	institutions	institution	NOUN
afbr-600	101	13	to	to	ADP
afbr-600	101	14	the	the	DET
afbr-600	101	15	private	private	ADJ
afbr-600	101	16	sector	sector	NOUN
afbr-600	101	17	of	of	ADP
afbr-600	101	18	the	the	DET
afbr-600	101	19	economy	economy	NOUN
afbr-600	101	20	alone	alone	ADJ
afbr-600	101	21	and	and	CCONJ
afbr-600	101	22	basically	basically	ADV
afbr-600	101	23	include	include	VERB
afbr-600	101	24	firms	firm	NOUN
afbr-600	101	25	and	and	CCONJ
afbr-600	101	26	households	household	NOUN
afbr-600	101	27	excluding	exclude	VERB
afbr-600	101	28	loans	loan	NOUN
afbr-600	101	29	disbursed	disburse	VERB
afbr-600	101	30	to	to	ADP
afbr-600	101	31	the	the	DET
afbr-600	101	32	public	public	ADJ
afbr-600	101	33	sector	sector	NOUN
afbr-600	101	34	.	.	PUNCT
afbr-600	102	1	credit	credit	NOUN
afbr-600	102	2	to	to	ADP
afbr-600	102	3	private	private	ADJ
afbr-600	102	4	sector	sector	NOUN
afbr-600	102	5	by	by	ADP
afbr-600	102	6	banks	bank	NOUN
afbr-600	102	7	refers	refer	VERB
afbr-600	102	8	to	to	ADP
afbr-600	102	9	financial	financial	ADJ
afbr-600	102	10	resources	resource	NOUN
afbr-600	102	11	provided	provide	VERB
afbr-600	102	12	to	to	ADP
afbr-600	102	13	the	the	DET
afbr-600	102	14	private	private	ADJ
afbr-600	102	15	sector	sector	NOUN
afbr-600	102	16	by	by	ADP
afbr-600	102	17	other	other	ADJ
afbr-600	102	18	depository	depository	NOUN
afbr-600	102	19	corporations	corporation	NOUN
afbr-600	102	20	(	(	PUNCT
afbr-600	102	21	deposit	deposit	NOUN
afbr-600	102	22	taking	take	VERB
afbr-600	102	23	corporations	corporation	NOUN
afbr-600	102	24	except	except	SCONJ
afbr-600	102	25	central	central	ADJ
afbr-600	102	26	banks	bank	NOUN
afbr-600	102	27	)	)	PUNCT
afbr-600	102	28	,	,	PUNCT
afbr-600	102	29	such	such	ADJ
afbr-600	102	30	as	as	ADP
afbr-600	102	31	through	through	ADP
afbr-600	102	32	loans	loan	NOUN
afbr-600	102	33	,	,	PUNCT
afbr-600	102	34	purchases	purchase	NOUN
afbr-600	102	35	of	of	ADP
afbr-600	102	36	non	non	ADJ
afbr-600	102	37	-	-	ADJ
afbr-600	102	38	equity	equity	ADJ
afbr-600	102	39	securities	security	NOUN
afbr-600	102	40	,	,	PUNCT
afbr-600	102	41	and	and	CCONJ
afbr-600	102	42	trade	trade	NOUN
afbr-600	102	43	credits	credit	NOUN
afbr-600	102	44	and	and	CCONJ
afbr-600	102	45	other	other	ADJ
afbr-600	102	46	accounts	account	NOUN
afbr-600	102	47	receivable	receivable	ADJ
afbr-600	102	48	,	,	PUNCT
afbr-600	102	49	that	that	PRON
afbr-600	102	50	establish	establish	VERB
afbr-600	102	51	a	a	DET
afbr-600	102	52	claim	claim	NOUN
afbr-600	102	53	for	for	ADP
afbr-600	102	54	repayment	repayment	NOUN
afbr-600	102	55	.	.	PUNCT
afbr-600	103	1	credit	credit	NOUN
afbr-600	103	2	to	to	ADP
afbr-600	103	3	the	the	DET
afbr-600	103	4	core	core	ADJ
afbr-600	103	5	private	private	ADJ
afbr-600	103	6	sector	sector	NOUN
afbr-600	103	7	refers	refer	VERB
afbr-600	103	8	to	to	ADP
afbr-600	103	9	credit	credit	NOUN
afbr-600	103	10	from	from	ADP
afbr-600	103	11	the	the	DET
afbr-600	103	12	commercial	commercial	ADJ
afbr-600	103	13	banks	bank	NOUN
afbr-600	103	14	and	and	CCONJ
afbr-600	103	15	other	other	ADJ
afbr-600	103	16	credit	credit	NOUN
afbr-600	103	17	institutions	institution	NOUN
afbr-600	103	18	to	to	ADP
afbr-600	103	19	the	the	DET
afbr-600	103	20	preferred	preferred	ADJ
afbr-600	103	21	sectors	sector	NOUN
afbr-600	103	22	of	of	ADP
afbr-600	103	23	the	the	DET
afbr-600	103	24	economy	economy	NOUN
afbr-600	103	25	.	.	PUNCT
afbr-600	104	1	this	this	PRON
afbr-600	104	2	is	be	AUX
afbr-600	104	3	measured	measure	VERB
afbr-600	104	4	as	as	ADP
afbr-600	104	5	annual	annual	ADJ
afbr-600	104	6	loans	loan	NOUN
afbr-600	104	7	and	and	CCONJ
afbr-600	104	8	advances	advance	NOUN
afbr-600	104	9	from	from	ADP
afbr-600	104	10	credit	credit	NOUN
afbr-600	104	11	institutions	institution	NOUN
afbr-600	104	12	in	in	ADP
afbr-600	104	13	nigeria	nigeria	PROPN
afbr-600	104	14	to	to	ADP
afbr-600	104	15	the	the	DET
afbr-600	104	16	real	real	ADJ
afbr-600	104	17	sectors	sector	NOUN
afbr-600	104	18	of	of	ADP
afbr-600	104	19	the	the	DET
afbr-600	104	20	economy	economy	NOUN
afbr-600	104	21	.	.	PUNCT
afbr-600	105	1	this	this	DET
afbr-600	105	2	study	study	NOUN
afbr-600	105	3	adopts	adopt	VERB
afbr-600	105	4	the	the	DET
afbr-600	105	5	total	total	ADJ
afbr-600	105	6	credit	credit	NOUN
afbr-600	105	7	disbursement	disbursement	NOUN
afbr-600	105	8	to	to	ADP
afbr-600	105	9	the	the	DET
afbr-600	105	10	core	core	ADJ
afbr-600	105	11	private	private	ADJ
afbr-600	105	12	sector	sector	NOUN
afbr-600	105	13	as	as	ADP
afbr-600	105	14	a	a	DET
afbr-600	105	15	measure	measure	NOUN
afbr-600	105	16	through	through	ADP
afbr-600	105	17	which	which	PRON
afbr-600	105	18	monetary	monetary	ADJ
afbr-600	105	19	policy	policy	NOUN
afbr-600	105	20	affects	affect	VERB
afbr-600	105	21	private	private	ADJ
afbr-600	105	22	sector	sector	NOUN
afbr-600	105	23	funding	funding	NOUN
afbr-600	105	24	in	in	ADP
afbr-600	105	25	the	the	DET
afbr-600	105	26	nigerian	nigerian	ADJ
afbr-600	105	27	economy	economy	NOUN
afbr-600	105	28	.	.	PUNCT
afbr-600	106	1	funding	fund	VERB
afbr-600	106	2	small	small	ADJ
afbr-600	106	3	and	and	CCONJ
afbr-600	106	4	medium	medium	ADJ
afbr-600	106	5	scale	scale	NOUN
afbr-600	106	6	enterprises	enterprise	NOUN
afbr-600	106	7	sector	sector	NOUN
afbr-600	106	8	in	in	ADP
afbr-600	106	9	nigeria	nigeria	PROPN
afbr-600	106	10	in	in	ADP
afbr-600	106	11	nigeria	nigeria	PROPN
afbr-600	106	12	,	,	PUNCT
afbr-600	106	13	the	the	DET
afbr-600	106	14	national	national	ADJ
afbr-600	106	15	policy	policy	NOUN
afbr-600	106	16	on	on	ADP
afbr-600	106	17	micro	micro	PROPN
afbr-600	106	18	,	,	PUNCT
afbr-600	106	19	small	small	ADJ
afbr-600	106	20	and	and	CCONJ
afbr-600	106	21	medium	medium	ADJ
afbr-600	106	22	enterprises	enterprise	NOUN
afbr-600	106	23	define	define	VERB
afbr-600	106	24	small	small	ADJ
afbr-600	106	25	and	and	CCONJ
afbr-600	106	26	medium	medium	ADJ
afbr-600	106	27	scale	scale	NOUN
afbr-600	106	28	enterprises	enterprise	NOUN
afbr-600	106	29	along	along	ADP
afbr-600	106	30	the	the	DET
afbr-600	106	31	lines	line	NOUN
afbr-600	106	32	of	of	ADP
afbr-600	106	33	international	international	ADJ
afbr-600	106	34	criteria	criterion	NOUN
afbr-600	106	35	.	.	PUNCT
afbr-600	107	1	the	the	DET
afbr-600	107	2	policy	policy	NOUN
afbr-600	107	3	mainly	mainly	ADV
afbr-600	107	4	uses	use	VERB
afbr-600	107	5	the	the	DET
afbr-600	107	6	employment	employment	NOUN
afbr-600	107	7	base	base	NOUN
afbr-600	107	8	and	and	CCONJ
afbr-600	107	9	asset	asset	NOUN
afbr-600	107	10	size	size	NOUN
afbr-600	107	11	to	to	PART
afbr-600	107	12	categorize	categorize	VERB
afbr-600	107	13	firms	firm	NOUN
afbr-600	107	14	into	into	ADP
afbr-600	107	15	micro	micro	PROPN
afbr-600	107	16	,	,	PUNCT
afbr-600	107	17	small	small	ADJ
afbr-600	107	18	and	and	CCONJ
afbr-600	107	19	medium	medium	ADJ
afbr-600	107	20	.	.	PUNCT
afbr-600	107	21	accordingly	accordingly	ADV
afbr-600	107	22	,	,	PUNCT
afbr-600	107	23	for	for	ADP
afbr-600	107	24	small	small	ADJ
afbr-600	107	25	-	-	PUNCT
afbr-600	107	26	scale	scale	NOUN
afbr-600	107	27	enterprises	enterprise	NOUN
afbr-600	107	28	,	,	PUNCT
afbr-600	107	29	the	the	DET
afbr-600	107	30	employment	employment	NOUN
afbr-600	107	31	base	base	NOUN
afbr-600	107	32	should	should	AUX
afbr-600	107	33	be	be	AUX
afbr-600	107	34	between	between	ADP
afbr-600	107	35	10	10	NUM
afbr-600	107	36	and	and	CCONJ
afbr-600	107	37	49	49	NUM
afbr-600	107	38	with	with	ADP
afbr-600	107	39	an	an	DET
afbr-600	107	40	asset	asset	NOUN
afbr-600	107	41	base	base	NOUN
afbr-600	107	42	of	of	ADP
afbr-600	107	43	over	over	ADP
afbr-600	107	44	n5	n5	PROPN
afbr-600	107	45	million	million	NUM
afbr-600	107	46	but	but	CCONJ
afbr-600	107	47	less	less	ADJ
afbr-600	107	48	than	than	ADP
afbr-600	107	49	n50	n50	NOUN
afbr-600	107	50	million	million	NUM
afbr-600	107	51	.	.	PUNCT
afbr-600	108	1	medium	medium	ADJ
afbr-600	108	2	scale	scale	NOUN
afbr-600	108	3	enterprises	enterprise	NOUN
afbr-600	108	4	are	be	AUX
afbr-600	108	5	those	those	PRON
afbr-600	108	6	that	that	PRON
afbr-600	108	7	employ	employ	VERB
afbr-600	108	8	between	between	ADP
afbr-600	108	9	50	50	NUM
afbr-600	108	10	and	and	CCONJ
afbr-600	108	11	199	199	NUM
afbr-600	108	12	workers	worker	NOUN
afbr-600	108	13	,	,	PUNCT
afbr-600	108	14	with	with	ADP
afbr-600	108	15	an	an	DET
afbr-600	108	16	asset	asset	NOUN
afbr-600	108	17	base	base	NOUN
afbr-600	108	18	of	of	ADP
afbr-600	108	19	over	over	ADP
afbr-600	108	20	n50	n50	NOUN
afbr-600	108	21	million	million	NUM
afbr-600	108	22	but	but	CCONJ
afbr-600	108	23	less	less	ADJ
afbr-600	108	24	than	than	ADP
afbr-600	108	25	n500	n500	PROPN
afbr-600	108	26	million	million	NUM
afbr-600	108	27	.	.	PUNCT
afbr-600	109	1	importantly	importantly	ADV
afbr-600	109	2	,	,	PUNCT
afbr-600	109	3	the	the	DET
afbr-600	109	4	assets	asset	NOUN
afbr-600	109	5	admitted	admit	VERB
afbr-600	109	6	for	for	ADP
afbr-600	109	7	these	these	DET
afbr-600	109	8	classifications	classification	NOUN
afbr-600	109	9	exclude	exclude	VERB
afbr-600	109	10	land	land	NOUN
afbr-600	109	11	and	and	CCONJ
afbr-600	109	12	buildings	building	NOUN
afbr-600	109	13	.	.	PUNCT
afbr-600	110	1	also	also	ADV
afbr-600	110	2	,	,	PUNCT
afbr-600	110	3	in	in	ADP
afbr-600	110	4	case	case	NOUN
afbr-600	110	5	of	of	ADP
afbr-600	110	6	conflict	conflict	NOUN
afbr-600	110	7	of	of	ADP
afbr-600	110	8	classification	classification	NOUN
afbr-600	110	9	between	between	ADP
afbr-600	110	10	employment	employment	NOUN
afbr-600	110	11	and	and	CCONJ
afbr-600	110	12	asset	asset	NOUN
afbr-600	110	13	size	size	NOUN
afbr-600	110	14	,	,	PUNCT
afbr-600	110	15	the	the	DET
afbr-600	110	16	policy	policy	NOUN
afbr-600	110	17	gives	give	VERB
afbr-600	110	18	pre	pre	NOUN
afbr-600	110	19	-	-	NOUN
afbr-600	110	20	eminence	eminence	NOUN
afbr-600	110	21	to	to	ADP
afbr-600	110	22	the	the	DET
afbr-600	110	23	number	number	NOUN
afbr-600	110	24	of	of	ADP
afbr-600	110	25	employees	employee	NOUN
afbr-600	110	26	over	over	ADP
afbr-600	110	27	asset	asset	NOUN
afbr-600	110	28	size	size	NOUN
afbr-600	110	29	.	.	PUNCT
afbr-600	111	1	bank	bank	NOUN
afbr-600	111	2	credit	credit	NOUN
afbr-600	111	3	refers	refer	VERB
afbr-600	111	4	to	to	ADP
afbr-600	111	5	loans	loan	NOUN
afbr-600	111	6	,	,	PUNCT
afbr-600	111	7	advances	advance	NOUN
afbr-600	111	8	and	and	CCONJ
afbr-600	111	9	discounts	discount	NOUN
afbr-600	111	10	of	of	ADP
afbr-600	111	11	specific	specific	ADJ
afbr-600	111	12	sums	sum	NOUN
afbr-600	111	13	,	,	PUNCT
afbr-600	111	14	which	which	PRON
afbr-600	111	15	are	be	AUX
afbr-600	111	16	normally	normally	ADV
afbr-600	111	17	with	with	ADP
afbr-600	111	18	terms	term	NOUN
afbr-600	111	19	and	and	CCONJ
afbr-600	111	20	other	other	ADJ
afbr-600	111	21	conditions	condition	NOUN
afbr-600	111	22	available	available	ADJ
afbr-600	111	23	to	to	ADP
afbr-600	111	24	individuals	individual	NOUN
afbr-600	111	25	,	,	PUNCT
afbr-600	111	26	small	small	ADJ
afbr-600	111	27	and	and	CCONJ
afbr-600	111	28	medium	medium	ADJ
afbr-600	111	29	sized	sized	ADJ
afbr-600	111	30	business	business	NOUN
afbr-600	111	31	to	to	PART
afbr-600	111	32	start	start	VERB
afbr-600	111	33	,	,	PUNCT
afbr-600	111	34	grow	grow	VERB
afbr-600	111	35	or	or	CCONJ
afbr-600	111	36	sustain	sustain	VERB
afbr-600	111	37	any	any	DET
afbr-600	111	38	economic	economic	ADJ
afbr-600	111	39	activity	activity	NOUN
afbr-600	111	40	(	(	PUNCT
afbr-600	111	41	john	john	PROPN
afbr-600	111	42	and	and	CCONJ
afbr-600	111	43	onwubiko	onwubiko	NOUN
afbr-600	111	44	,	,	PUNCT
afbr-600	111	45	2013	2013	NUM
afbr-600	111	46	)	)	PUNCT
afbr-600	111	47	.	.	PUNCT
afbr-600	112	1	credit	credit	NOUN
afbr-600	112	2	to	to	ADP
afbr-600	112	3	small	small	ADJ
afbr-600	112	4	and	and	CCONJ
afbr-600	112	5	medium	medium	ADJ
afbr-600	112	6	scale	scale	NOUN
afbr-600	112	7	enterprises	enterprise	NOUN
afbr-600	112	8	sector	sector	NOUN
afbr-600	112	9	refers	refer	VERB
afbr-600	112	10	to	to	ADP
afbr-600	112	11	credit	credit	NOUN
afbr-600	112	12	disbursed	disburse	VERB
afbr-600	112	13	to	to	ADP
afbr-600	112	14	small	small	ADJ
afbr-600	112	15	and	and	CCONJ
afbr-600	112	16	medium	medium	ADJ
afbr-600	112	17	scale	scale	NOUN
afbr-600	112	18	enterprises	enterprise	NOUN
afbr-600	112	19	by	by	ADP
afbr-600	112	20	the	the	DET
afbr-600	112	21	deposit	deposit	NOUN
afbr-600	112	22	money	money	NOUN
afbr-600	112	23	banks	bank	NOUN
afbr-600	112	24	.	.	PUNCT
afbr-600	113	1	it	it	PRON
afbr-600	113	2	is	be	AUX
afbr-600	113	3	measured	measure	VERB
afbr-600	113	4	as	as	ADP
afbr-600	113	5	annual	annual	ADJ
afbr-600	113	6	loans	loan	NOUN
afbr-600	113	7	and	and	CCONJ
afbr-600	113	8	advances	advance	NOUN
afbr-600	113	9	from	from	ADP
afbr-600	113	10	the	the	DET
afbr-600	113	11	financial	financial	ADJ
afbr-600	113	12	institutions	institution	NOUN
afbr-600	113	13	in	in	ADP
afbr-600	113	14	nigeria	nigeria	PROPN
afbr-600	113	15	to	to	ADP
afbr-600	113	16	small	small	ADJ
afbr-600	113	17	and	and	CCONJ
afbr-600	113	18	medium	medium	ADJ
afbr-600	113	19	scale	scale	NOUN
afbr-600	113	20	enterprises	enterprise	NOUN
afbr-600	113	21	.	.	PUNCT
afbr-600	114	1	the	the	DET
afbr-600	114	2	central	central	ADJ
afbr-600	114	3	bank	bank	PROPN
afbr-600	114	4	of	of	ADP
afbr-600	114	5	nigeria	nigeria	PROPN
afbr-600	114	6	statistical	statistical	ADJ
afbr-600	114	7	bulletin	bulletin	NOUN
afbr-600	114	8	reports	report	NOUN
afbr-600	114	9	credit	credit	NOUN
afbr-600	114	10	to	to	ADP
afbr-600	114	11	small	small	ADJ
afbr-600	114	12	and	and	CCONJ
afbr-600	114	13	medium	medium	ADJ
afbr-600	114	14	scale	scale	NOUN
afbr-600	114	15	enterprises	enterprise	NOUN
afbr-600	114	16	as	as	ADP
afbr-600	114	17	percentage	percentage	NOUN
afbr-600	114	18	of	of	ADP
afbr-600	114	19	total	total	ADJ
afbr-600	114	20	credits	credit	NOUN
afbr-600	114	21	in	in	ADP
afbr-600	114	22	the	the	DET
afbr-600	114	23	economy	economy	NOUN
afbr-600	114	24	.	.	PUNCT
afbr-600	115	1	theoretical	theoretical	ADJ
afbr-600	115	2	review	review	VERB
afbr-600	115	3	the	the	DET
afbr-600	115	4	loanable	loanable	ADJ
afbr-600	115	5	funds	fund	NOUN
afbr-600	115	6	theory	theory	VERB
afbr-600	115	7	the	the	DET
afbr-600	115	8	neo	neo	NOUN
afbr-600	115	9	-	-	ADJ
afbr-600	115	10	classical	classical	ADJ
afbr-600	115	11	or	or	CCONJ
afbr-600	115	12	the	the	DET
afbr-600	115	13	loanable	loanable	ADJ
afbr-600	115	14	fund	fund	NOUN
afbr-600	115	15	theory	theory	NOUN
afbr-600	115	16	examines	examine	VERB
afbr-600	115	17	interest	interest	NOUN
afbr-600	115	18	rate	rate	NOUN
afbr-600	115	19	in	in	ADP
afbr-600	115	20	terms	term	NOUN
afbr-600	115	21	of	of	ADP
afbr-600	115	22	demand	demand	NOUN
afbr-600	115	23	and	and	CCONJ
afbr-600	115	24	supply	supply	NOUN
afbr-600	115	25	of	of	ADP
afbr-600	115	26	loanble	loanble	ADJ
afbr-600	115	27	funds	fund	NOUN
afbr-600	115	28	or	or	CCONJ
afbr-600	115	29	credit	credit	NOUN
afbr-600	115	30	.	.	PUNCT
afbr-600	116	1	according	accord	VERB
afbr-600	116	2	to	to	ADP
afbr-600	116	3	this	this	DET
afbr-600	116	4	theory	theory	NOUN
afbr-600	116	5	,	,	PUNCT
afbr-600	116	6	the	the	DET
afbr-600	116	7	rate	rate	NOUN
afbr-600	116	8	of	of	ADP
afbr-600	116	9	interest	interest	NOUN
afbr-600	116	10	is	be	AUX
afbr-600	116	11	the	the	DET
afbr-600	116	12	price	price	NOUN
afbr-600	116	13	of	of	ADP
afbr-600	116	14	credit	credit	NOUN
afbr-600	116	15	which	which	PRON
afbr-600	116	16	is	be	AUX
afbr-600	116	17	determined	determine	VERB
afbr-600	116	18	by	by	ADP
afbr-600	116	19	the	the	DET
afbr-600	116	20	demand	demand	NOUN
afbr-600	116	21	and	and	CCONJ
afbr-600	116	22	supply	supply	NOUN
afbr-600	116	23	for	for	ADP
afbr-600	116	24	lonable	lonable	ADJ
afbr-600	116	25	copyright	copyright	NOUN
afbr-600	116	26	©	©	PROPN
afbr-600	116	27	cc	cc	PROPN
afbr-600	116	28	-	-	PUNCT
afbr-600	116	29	by	by	ADP
afbr-600	116	30	-	-	PUNCT
afbr-600	116	31	nc	nc	PROPN
afbr-600	116	32	2019	2019	NUM
afbr-600	116	33	,	,	PUNCT
afbr-600	116	34	cribfb	cribfb	PROPN
afbr-600	116	35	|	|	ADV
afbr-600	116	36	afbr	afbr	PROPN
afbr-600	116	37	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	116	38	australian	australian	ADJ
afbr-600	116	39	finance	finance	PROPN
afbr-600	116	40	&	&	CCONJ
afbr-600	116	41	banking	banking	PROPN
afbr-600	116	42	review	review	PROPN
afbr-600	116	43	vol	vol	NOUN
afbr-600	116	44	.	.	PROPN
afbr-600	117	1	4	4	NUM
afbr-600	117	2	,	,	PUNCT
afbr-600	117	3	no	no	INTJ
afbr-600	117	4	.	.	NOUN
afbr-600	117	5	1	1	NUM
afbr-600	117	6	;	;	PUNCT
afbr-600	117	7	2020	2020	NUM
afbr-600	117	8	22	22	NUM
afbr-600	117	9	funds	fund	NOUN
afbr-600	117	10	.	.	PUNCT
afbr-600	118	1	in	in	ADP
afbr-600	118	2	the	the	DET
afbr-600	118	3	words	word	NOUN
afbr-600	118	4	of	of	ADP
afbr-600	118	5	prof	prof	PROPN
afbr-600	118	6	lerner	lerner	PROPN
afbr-600	118	7	in	in	ADP
afbr-600	118	8	jhingan	jhingan	PROPN
afbr-600	118	9	(	(	PUNCT
afbr-600	118	10	2005	2005	NUM
afbr-600	118	11	)	)	PUNCT
afbr-600	118	12	;	;	PUNCT
afbr-600	118	13	it	it	PRON
afbr-600	118	14	is	be	AUX
afbr-600	118	15	the	the	DET
afbr-600	118	16	price	price	NOUN
afbr-600	118	17	which	which	PRON
afbr-600	118	18	equates	equate	VERB
afbr-600	118	19	the	the	DET
afbr-600	118	20	supply	supply	NOUN
afbr-600	118	21	of	of	ADP
afbr-600	118	22	credit	credit	NOUN
afbr-600	118	23	,	,	PUNCT
afbr-600	118	24	or	or	CCONJ
afbr-600	118	25	saving	save	VERB
afbr-600	118	26	plus	plus	CCONJ
afbr-600	118	27	the	the	DET
afbr-600	118	28	net	net	ADJ
afbr-600	118	29	increase	increase	NOUN
afbr-600	118	30	in	in	ADP
afbr-600	118	31	the	the	DET
afbr-600	118	32	amount	amount	NOUN
afbr-600	118	33	of	of	ADP
afbr-600	118	34	money	money	NOUN
afbr-600	118	35	in	in	ADP
afbr-600	118	36	a	a	DET
afbr-600	118	37	period	period	NOUN
afbr-600	118	38	,	,	PUNCT
afbr-600	118	39	to	to	ADP
afbr-600	118	40	the	the	DET
afbr-600	118	41	demand	demand	NOUN
afbr-600	118	42	for	for	ADP
afbr-600	118	43	credit	credit	NOUN
afbr-600	118	44	,	,	PUNCT
afbr-600	118	45	or	or	CCONJ
afbr-600	118	46	investment	investment	NOUN
afbr-600	118	47	plus	plus	CCONJ
afbr-600	118	48	net	net	ADJ
afbr-600	118	49	hoarding	hoarding	NOUN
afbr-600	118	50	in	in	ADP
afbr-600	118	51	the	the	DET
afbr-600	118	52	period	period	NOUN
afbr-600	118	53	.	.	PUNCT
afbr-600	119	1	the	the	DET
afbr-600	119	2	demand	demand	NOUN
afbr-600	119	3	for	for	ADP
afbr-600	119	4	loanble	loanble	ADJ
afbr-600	119	5	fund	fund	NOUN
afbr-600	119	6	has	have	VERB
afbr-600	119	7	primarily	primarily	ADV
afbr-600	119	8	three	three	NUM
afbr-600	119	9	source	source	NOUN
afbr-600	119	10	;	;	PUNCT
afbr-600	119	11	government	government	NOUN
afbr-600	119	12	,	,	PUNCT
afbr-600	119	13	businessmen	businessman	NOUN
afbr-600	119	14	and	and	CCONJ
afbr-600	119	15	consumers	consumer	NOUN
afbr-600	119	16	who	who	PRON
afbr-600	119	17	need	need	VERB
afbr-600	119	18	them	they	PRON
afbr-600	119	19	for	for	ADP
afbr-600	119	20	purpose	purpose	NOUN
afbr-600	119	21	of	of	ADP
afbr-600	119	22	investment	investment	NOUN
afbr-600	119	23	,	,	PUNCT
afbr-600	119	24	hoarding	hoarding	NOUN
afbr-600	119	25	and	and	CCONJ
afbr-600	119	26	consumption	consumption	NOUN
afbr-600	119	27	.	.	PUNCT
afbr-600	120	1	the	the	DET
afbr-600	120	2	government	government	NOUN
afbr-600	120	3	borrows	borrow	VERB
afbr-600	120	4	funds	fund	NOUN
afbr-600	120	5	for	for	ADP
afbr-600	120	6	constructing	construct	VERB
afbr-600	120	7	public	public	ADJ
afbr-600	120	8	works	work	NOUN
afbr-600	120	9	or	or	CCONJ
afbr-600	120	10	for	for	ADP
afbr-600	120	11	war	war	NOUN
afbr-600	120	12	preparations	preparation	NOUN
afbr-600	120	13	.	.	PUNCT
afbr-600	121	1	the	the	DET
afbr-600	121	2	businessmen	businessman	NOUN
afbr-600	121	3	borrow	borrow	VERB
afbr-600	121	4	for	for	ADP
afbr-600	121	5	the	the	DET
afbr-600	121	6	purpose	purpose	NOUN
afbr-600	121	7	of	of	ADP
afbr-600	121	8	capital	capital	NOUN
afbr-600	121	9	goods	good	NOUN
afbr-600	121	10	and	and	CCONJ
afbr-600	121	11	for	for	ADP
afbr-600	121	12	starting	start	VERB
afbr-600	121	13	investment	investment	NOUN
afbr-600	121	14	projects	project	NOUN
afbr-600	121	15	.	.	PUNCT
afbr-600	122	1	such	such	ADJ
afbr-600	122	2	borrowings	borrowing	NOUN
afbr-600	122	3	are	be	AUX
afbr-600	122	4	interest	interest	NOUN
afbr-600	122	5	elastic	elastic	ADJ
afbr-600	122	6	and	and	CCONJ
afbr-600	122	7	depend	depend	VERB
afbr-600	122	8	mostly	mostly	ADV
afbr-600	122	9	on	on	ADP
afbr-600	122	10	the	the	DET
afbr-600	122	11	expected	expect	VERB
afbr-600	122	12	rate	rate	NOUN
afbr-600	122	13	of	of	ADP
afbr-600	122	14	profit	profit	NOUN
afbr-600	122	15	as	as	ADP
afbr-600	122	16	compared	compare	VERB
afbr-600	122	17	with	with	ADP
afbr-600	122	18	the	the	DET
afbr-600	122	19	interest	interest	NOUN
afbr-600	122	20	rates	rate	NOUN
afbr-600	122	21	.	.	PUNCT
afbr-600	123	1	the	the	DET
afbr-600	123	2	demand	demand	NOUN
afbr-600	123	3	of	of	ADP
afbr-600	123	4	loanable	loanable	ADJ
afbr-600	123	5	fund	fund	NOUN
afbr-600	123	6	on	on	ADP
afbr-600	123	7	the	the	DET
afbr-600	123	8	part	part	NOUN
afbr-600	123	9	of	of	ADP
afbr-600	123	10	consumers	consumer	NOUN
afbr-600	123	11	is	be	AUX
afbr-600	123	12	for	for	ADP
afbr-600	123	13	the	the	DET
afbr-600	123	14	purchase	purchase	NOUN
afbr-600	123	15	of	of	ADP
afbr-600	123	16	durable	durable	ADJ
afbr-600	123	17	consumer	consumer	NOUN
afbr-600	123	18	goods	good	NOUN
afbr-600	123	19	like	like	ADP
afbr-600	123	20	cars	car	NOUN
afbr-600	123	21	,	,	PUNCT
afbr-600	123	22	houses	house	NOUN
afbr-600	123	23	etc	etc	X
afbr-600	123	24	.	.	X
afbr-600	124	1	individual	individual	ADJ
afbr-600	124	2	borrowings	borrowing	NOUN
afbr-600	124	3	are	be	AUX
afbr-600	124	4	also	also	ADV
afbr-600	124	5	interest	interest	NOUN
afbr-600	124	6	elastic	elastic	ADJ
afbr-600	124	7	.	.	PUNCT
afbr-600	125	1	the	the	DET
afbr-600	125	2	tendency	tendency	NOUN
afbr-600	125	3	to	to	PART
afbr-600	125	4	borrow	borrow	VERB
afbr-600	125	5	is	be	AUX
afbr-600	125	6	more	more	ADJ
afbr-600	125	7	at	at	ADP
afbr-600	125	8	a	a	DET
afbr-600	125	9	lower	low	ADJ
afbr-600	125	10	rate	rate	NOUN
afbr-600	125	11	of	of	ADP
afbr-600	125	12	interest	interest	NOUN
afbr-600	125	13	than	than	ADP
afbr-600	125	14	at	at	ADP
afbr-600	125	15	a	a	DET
afbr-600	125	16	higher	high	ADJ
afbr-600	125	17	rate	rate	NOUN
afbr-600	125	18	.	.	PUNCT
afbr-600	126	1	loanable	loanable	ADJ
afbr-600	126	2	funds	fund	NOUN
afbr-600	126	3	theory	theory	NOUN
afbr-600	126	4	of	of	ADP
afbr-600	126	5	interest	interest	NOUN
afbr-600	126	6	rate	rate	NOUN
afbr-600	126	7	determination	determination	NOUN
afbr-600	126	8	views	view	VERB
afbr-600	126	9	the	the	DET
afbr-600	126	10	level	level	NOUN
afbr-600	126	11	of	of	ADP
afbr-600	126	12	interest	interest	NOUN
afbr-600	126	13	in	in	ADP
afbr-600	126	14	the	the	DET
afbr-600	126	15	financial	financial	ADJ
afbr-600	126	16	market	market	NOUN
afbr-600	126	17	as	as	ADP
afbr-600	126	18	resulting	result	VERB
afbr-600	126	19	from	from	ADP
afbr-600	126	20	the	the	DET
afbr-600	126	21	factors	factor	NOUN
afbr-600	126	22	that	that	PRON
afbr-600	126	23	affect	affect	VERB
afbr-600	126	24	the	the	DET
afbr-600	126	25	supply	supply	NOUN
afbr-600	126	26	and	and	CCONJ
afbr-600	126	27	demand	demand	NOUN
afbr-600	126	28	of	of	ADP
afbr-600	126	29	loanable	loanable	ADJ
afbr-600	126	30	funds	fund	NOUN
afbr-600	126	31	(	(	PUNCT
afbr-600	126	32	saunders	saunder	NOUN
afbr-600	126	33	2010).interest	2010).interest	NUM
afbr-600	126	34	rate	rate	NOUN
afbr-600	126	35	in	in	ADP
afbr-600	126	36	this	this	DET
afbr-600	126	37	theory	theory	NOUN
afbr-600	126	38	is	be	AUX
afbr-600	126	39	determined	determine	VERB
afbr-600	126	40	just	just	ADV
afbr-600	126	41	like	like	SCONJ
afbr-600	126	42	the	the	DET
afbr-600	126	43	demand	demand	NOUN
afbr-600	126	44	and	and	CCONJ
afbr-600	126	45	supply	supply	NOUN
afbr-600	126	46	of	of	ADP
afbr-600	126	47	goods	good	NOUN
afbr-600	126	48	is	be	AUX
afbr-600	126	49	determined	determine	VERB
afbr-600	126	50	,	,	PUNCT
afbr-600	126	51	supply	supply	NOUN
afbr-600	126	52	of	of	ADP
afbr-600	126	53	loanable	loanable	ADJ
afbr-600	126	54	funds	fund	NOUN
afbr-600	126	55	increases	increase	VERB
afbr-600	126	56	as	as	ADP
afbr-600	126	57	interest	interest	NOUN
afbr-600	126	58	rate	rate	NOUN
afbr-600	126	59	increases	increase	NOUN
afbr-600	126	60	,	,	PUNCT
afbr-600	126	61	other	other	ADJ
afbr-600	126	62	factors	factor	NOUN
afbr-600	126	63	held	hold	VERB
afbr-600	126	64	constant	constant	ADJ
afbr-600	126	65	.	.	PUNCT
afbr-600	127	1	he	he	PRON
afbr-600	127	2	goes	go	VERB
afbr-600	127	3	further	far	ADV
afbr-600	127	4	to	to	PART
afbr-600	127	5	explain	explain	VERB
afbr-600	127	6	that	that	SCONJ
afbr-600	127	7	the	the	DET
afbr-600	127	8	demand	demand	NOUN
afbr-600	127	9	for	for	ADP
afbr-600	127	10	loanable	loanable	ADJ
afbr-600	127	11	funds	fund	NOUN
afbr-600	127	12	is	be	AUX
afbr-600	127	13	higher	high	ADJ
afbr-600	127	14	as	as	ADP
afbr-600	127	15	interest	interest	NOUN
afbr-600	127	16	rate	rate	NOUN
afbr-600	127	17	fall	fall	NOUN
afbr-600	127	18	,	,	PUNCT
afbr-600	127	19	other	other	ADJ
afbr-600	127	20	factors	factor	NOUN
afbr-600	127	21	held	hold	VERB
afbr-600	127	22	constant	constant	ADJ
afbr-600	127	23	.	.	PUNCT
afbr-600	128	1	saunders	saunder	NOUN
afbr-600	128	2	(	(	PUNCT
afbr-600	128	3	2010	2010	NUM
afbr-600	128	4	)	)	PUNCT
afbr-600	128	5	identifies	identify	VERB
afbr-600	128	6	two	two	NUM
afbr-600	128	7	factors	factor	NOUN
afbr-600	128	8	among	among	ADP
afbr-600	128	9	others	other	NOUN
afbr-600	128	10	causing	cause	VERB
afbr-600	128	11	demand	demand	NOUN
afbr-600	128	12	curve	curve	NOUN
afbr-600	128	13	for	for	ADP
afbr-600	128	14	loanable	loanable	ADJ
afbr-600	128	15	funds	fund	NOUN
afbr-600	128	16	to	to	PART
afbr-600	128	17	shift	shift	VERB
afbr-600	128	18	;	;	PUNCT
afbr-600	128	19	economic	economic	ADJ
afbr-600	128	20	conditions	condition	NOUN
afbr-600	128	21	and	and	CCONJ
afbr-600	128	22	the	the	DET
afbr-600	128	23	monetary	monetary	ADJ
afbr-600	128	24	expansion	expansion	NOUN
afbr-600	128	25	refers	refer	VERB
afbr-600	128	26	to	to	ADP
afbr-600	128	27	the	the	DET
afbr-600	128	28	sum	sum	NOUN
afbr-600	128	29	of	of	ADP
afbr-600	128	30	money	money	NOUN
afbr-600	128	31	offered	offer	VERB
afbr-600	128	32	for	for	ADP
afbr-600	128	33	lending	lending	NOUN
afbr-600	128	34	and	and	CCONJ
afbr-600	128	35	demanded	demand	VERB
afbr-600	128	36	by	by	ADP
afbr-600	128	37	consumers	consumer	NOUN
afbr-600	128	38	and	and	CCONJ
afbr-600	128	39	investors	investor	NOUN
afbr-600	128	40	during	during	ADP
afbr-600	128	41	a	a	DET
afbr-600	128	42	given	give	VERB
afbr-600	128	43	period	period	NOUN
afbr-600	128	44	.	.	PUNCT
afbr-600	129	1	the	the	DET
afbr-600	129	2	interest	interest	NOUN
afbr-600	129	3	rate	rate	NOUN
afbr-600	129	4	model	model	NOUN
afbr-600	129	5	is	be	AUX
afbr-600	129	6	determined	determine	VERB
afbr-600	129	7	by	by	ADP
afbr-600	129	8	the	the	DET
afbr-600	129	9	interaction	interaction	NOUN
afbr-600	129	10	between	between	ADP
afbr-600	129	11	potential	potential	ADJ
afbr-600	129	12	borrowers	borrower	NOUN
afbr-600	129	13	and	and	CCONJ
afbr-600	129	14	potential	potential	ADJ
afbr-600	129	15	savers	saver	NOUN
afbr-600	129	16	.	.	PUNCT
afbr-600	130	1	credit	credit	NOUN
afbr-600	130	2	rationing	ration	VERB
afbr-600	130	3	theory	theory	NOUN
afbr-600	130	4	access	access	NOUN
afbr-600	130	5	to	to	ADP
afbr-600	130	6	credit	credit	NOUN
afbr-600	130	7	is	be	AUX
afbr-600	130	8	explained	explain	VERB
afbr-600	130	9	by	by	ADP
afbr-600	130	10	credit	credit	NOUN
afbr-600	130	11	rationing	ration	VERB
afbr-600	130	12	theory	theory	NOUN
afbr-600	130	13	(	(	PUNCT
afbr-600	130	14	stiglitz	stiglitz	PROPN
afbr-600	130	15	and	and	CCONJ
afbr-600	130	16	weiss	weiss	PROPN
afbr-600	130	17	,	,	PUNCT
afbr-600	130	18	1981	1981	NUM
afbr-600	130	19	;	;	PUNCT
afbr-600	130	20	bester	bester	NOUN
afbr-600	130	21	,	,	PUNCT
afbr-600	130	22	1985	1985	NUM
afbr-600	130	23	;	;	PUNCT
afbr-600	130	24	cressy	cressy	NOUN
afbr-600	130	25	,	,	PUNCT
afbr-600	130	26	1996	1996	NUM
afbr-600	130	27	;	;	PUNCT
afbr-600	130	28	baltensperger	baltensperger	NOUN
afbr-600	130	29	and	and	CCONJ
afbr-600	130	30	devinney	devinney	NOUN
afbr-600	130	31	,	,	PUNCT
afbr-600	130	32	1985	1985	NUM
afbr-600	130	33	)	)	PUNCT
afbr-600	130	34	.	.	PUNCT
afbr-600	131	1	according	accord	VERB
afbr-600	131	2	to	to	ADP
afbr-600	131	3	stiglitz	stiglitz	PROPN
afbr-600	131	4	and	and	CCONJ
afbr-600	131	5	weiss	weiss	PROPN
afbr-600	131	6	(	(	PUNCT
afbr-600	131	7	1981	1981	NUM
afbr-600	131	8	)	)	PUNCT
afbr-600	131	9	credit	credit	NOUN
afbr-600	131	10	rationing	rationing	NOUN
afbr-600	131	11	is	be	AUX
afbr-600	131	12	said	say	VERB
afbr-600	131	13	to	to	PART
afbr-600	131	14	occur	occur	VERB
afbr-600	131	15	when	when	SCONJ
afbr-600	131	16	some	some	DET
afbr-600	131	17	borrowers	borrower	NOUN
afbr-600	131	18	receive	receive	VERB
afbr-600	131	19	a	a	DET
afbr-600	131	20	loan	loan	NOUN
afbr-600	131	21	,	,	PUNCT
afbr-600	131	22	while	while	SCONJ
afbr-600	131	23	others	other	NOUN
afbr-600	131	24	do	do	VERB
afbr-600	131	25	not	not	PART
afbr-600	131	26	.	.	PUNCT
afbr-600	132	1	credit	credit	NOUN
afbr-600	132	2	rationing	ration	VERB
afbr-600	132	3	takes	take	VERB
afbr-600	132	4	place	place	NOUN
afbr-600	132	5	at	at	ADP
afbr-600	132	6	either	either	DET
afbr-600	132	7	financier	financier	NOUN
afbr-600	132	8	level	level	NOUN
afbr-600	132	9	due	due	ADP
afbr-600	132	10	to	to	ADP
afbr-600	132	11	loan	loan	NOUN
afbr-600	132	12	markets	market	NOUN
afbr-600	132	13	imperfection	imperfection	NOUN
afbr-600	132	14	and	and	CCONJ
afbr-600	132	15	information	information	NOUN
afbr-600	132	16	asymmetry	asymmetry	NOUN
afbr-600	132	17	or	or	CCONJ
afbr-600	132	18	voluntarily	voluntarily	ADV
afbr-600	132	19	by	by	ADP
afbr-600	132	20	the	the	DET
afbr-600	132	21	borrowers	borrower	NOUN
afbr-600	132	22	(	(	PUNCT
afbr-600	132	23	voluntary	voluntary	ADJ
afbr-600	132	24	exclusion	exclusion	NOUN
afbr-600	132	25	)	)	PUNCT
afbr-600	132	26	.	.	PUNCT
afbr-600	133	1	at	at	ADP
afbr-600	133	2	financier	financier	ADJ
afbr-600	133	3	level	level	NOUN
afbr-600	133	4	,	,	PUNCT
afbr-600	133	5	credit	credit	NOUN
afbr-600	133	6	rationing	rationing	NOUN
afbr-600	133	7	occurs	occur	VERB
afbr-600	133	8	in	in	ADP
afbr-600	133	9	a	a	DET
afbr-600	133	10	situation	situation	NOUN
afbr-600	133	11	where	where	SCONJ
afbr-600	133	12	demand	demand	NOUN
afbr-600	133	13	for	for	ADP
afbr-600	133	14	credit	credit	NOUN
afbr-600	133	15	exceeds	exceed	NOUN
afbr-600	133	16	supply	supply	NOUN
afbr-600	133	17	at	at	ADP
afbr-600	133	18	the	the	DET
afbr-600	133	19	prevailing	prevail	VERB
afbr-600	133	20	interest	interest	NOUN
afbr-600	133	21	rate	rate	NOUN
afbr-600	133	22	(	(	PUNCT
afbr-600	133	23	stiglitz	stiglitz	PROPN
afbr-600	133	24	and	and	CCONJ
afbr-600	133	25	weiss	weiss	PROPN
afbr-600	133	26	,	,	PUNCT
afbr-600	133	27	1981	1981	NUM
afbr-600	133	28	)	)	PUNCT
afbr-600	133	29	.	.	PUNCT
afbr-600	134	1	there	there	PRON
afbr-600	134	2	is	be	VERB
afbr-600	134	3	scant	scant	ADJ
afbr-600	134	4	literature	literature	NOUN
afbr-600	134	5	on	on	ADP
afbr-600	134	6	selfrationing	selfrationing	NOUN
afbr-600	134	7	,	,	PUNCT
afbr-600	134	8	however	however	ADV
afbr-600	134	9	,	,	PUNCT
afbr-600	134	10	in	in	ADP
afbr-600	134	11	situations	situation	NOUN
afbr-600	134	12	where	where	SCONJ
afbr-600	134	13	credit	credit	NOUN
afbr-600	134	14	rationing	rationing	NOUN
afbr-600	134	15	is	be	AUX
afbr-600	134	16	voluntary	voluntary	ADJ
afbr-600	134	17	,	,	PUNCT
afbr-600	134	18	arora	arora	PROPN
afbr-600	134	19	(	(	PUNCT
afbr-600	134	20	2014	2014	NUM
afbr-600	134	21	)	)	PUNCT
afbr-600	134	22	described	describe	VERB
afbr-600	134	23	such	such	ADJ
afbr-600	134	24	borrowers	borrower	NOUN
afbr-600	134	25	as	as	ADP
afbr-600	134	26	non	non	ADJ
afbr-600	134	27	-	-	ADJ
afbr-600	134	28	credit	credit	ADJ
afbr-600	134	29	seekers	seeker	NOUN
afbr-600	134	30	due	due	ADJ
afbr-600	134	31	to	to	ADP
afbr-600	134	32	personal	personal	ADJ
afbr-600	134	33	,	,	PUNCT
afbr-600	134	34	culture	culture	NOUN
afbr-600	134	35	or	or	CCONJ
afbr-600	134	36	social	social	ADJ
afbr-600	134	37	reasons	reason	NOUN
afbr-600	134	38	or	or	CCONJ
afbr-600	134	39	could	could	AUX
afbr-600	134	40	be	be	AUX
afbr-600	134	41	in	in	ADP
afbr-600	134	42	the	the	DET
afbr-600	134	43	bracket	bracket	NOUN
afbr-600	134	44	of	of	ADP
afbr-600	134	45	discouraged	discouraged	ADJ
afbr-600	134	46	borrowers	borrower	NOUN
afbr-600	134	47	.	.	PUNCT
afbr-600	135	1	bester	bester	NOUN
afbr-600	135	2	(	(	PUNCT
afbr-600	135	3	1985	1985	NUM
afbr-600	135	4	)	)	PUNCT
afbr-600	135	5	suggested	suggest	VERB
afbr-600	135	6	that	that	SCONJ
afbr-600	135	7	financiers	financier	NOUN
afbr-600	135	8	may	may	AUX
afbr-600	135	9	choose	choose	VERB
afbr-600	135	10	to	to	PART
afbr-600	135	11	reject	reject	VERB
afbr-600	135	12	some	some	DET
afbr-600	135	13	borrowers	borrower	NOUN
afbr-600	135	14	because	because	SCONJ
afbr-600	135	15	of	of	ADP
afbr-600	135	16	negative	negative	ADJ
afbr-600	135	17	enticement	enticement	NOUN
afbr-600	135	18	effects	effect	NOUN
afbr-600	135	19	.	.	PUNCT
afbr-600	136	1	for	for	ADP
afbr-600	136	2	example	example	NOUN
afbr-600	136	3	,	,	PUNCT
afbr-600	136	4	for	for	ADP
afbr-600	136	5	given	give	VERB
afbr-600	136	6	collateral	collateral	NOUN
afbr-600	136	7	,	,	PUNCT
afbr-600	136	8	an	an	DET
afbr-600	136	9	increase	increase	NOUN
afbr-600	136	10	in	in	ADP
afbr-600	136	11	the	the	DET
afbr-600	136	12	rate	rate	NOUN
afbr-600	136	13	of	of	ADP
afbr-600	136	14	interest	interest	NOUN
afbr-600	136	15	causes	cause	VERB
afbr-600	136	16	adverse	adverse	ADJ
afbr-600	136	17	selection	selection	NOUN
afbr-600	136	18	,	,	PUNCT
afbr-600	136	19	since	since	SCONJ
afbr-600	136	20	only	only	ADV
afbr-600	136	21	borrowers	borrower	NOUN
afbr-600	136	22	with	with	ADP
afbr-600	136	23	riskier	risky	ADJ
afbr-600	136	24	investments	investment	NOUN
afbr-600	136	25	will	will	AUX
afbr-600	136	26	apply	apply	VERB
afbr-600	136	27	for	for	ADP
afbr-600	136	28	a	a	DET
afbr-600	136	29	loan	loan	NOUN
afbr-600	136	30	at	at	ADP
afbr-600	136	31	a	a	DET
afbr-600	136	32	higher	high	ADJ
afbr-600	136	33	interest	interest	NOUN
afbr-600	136	34	rate	rate	NOUN
afbr-600	136	35	.	.	PUNCT
afbr-600	137	1	similarly	similarly	ADV
afbr-600	137	2	,	,	PUNCT
afbr-600	137	3	higher	high	ADJ
afbr-600	137	4	interest	interest	NOUN
afbr-600	137	5	payments	payment	NOUN
afbr-600	137	6	create	create	VERB
afbr-600	137	7	an	an	DET
afbr-600	137	8	incentive	incentive	NOUN
afbr-600	137	9	for	for	SCONJ
afbr-600	137	10	investors	investor	NOUN
afbr-600	137	11	to	to	PART
afbr-600	137	12	choose	choose	VERB
afbr-600	137	13	projects	project	NOUN
afbr-600	137	14	with	with	ADP
afbr-600	137	15	a	a	DET
afbr-600	137	16	higher	high	ADJ
afbr-600	137	17	probability	probability	NOUN
afbr-600	137	18	of	of	ADP
afbr-600	137	19	bankruptcy	bankruptcy	NOUN
afbr-600	137	20	(	(	PUNCT
afbr-600	137	21	afonso	afonso	PROPN
afbr-600	137	22	and	and	CCONJ
afbr-600	137	23	aubyn	aubyn	PROPN
afbr-600	137	24	,	,	PUNCT
afbr-600	137	25	1997	1997	NUM
afbr-600	137	26	,	,	PUNCT
afbr-600	137	27	1998	1998	NUM
afbr-600	137	28	;	;	PUNCT
afbr-600	137	29	matthews	matthews	PROPN
afbr-600	137	30	and	and	CCONJ
afbr-600	137	31	thompson	thompson	PROPN
afbr-600	137	32	,	,	PUNCT
afbr-600	137	33	2014	2014	NUM
afbr-600	137	34	)	)	PUNCT
afbr-600	137	35	.	.	PUNCT
afbr-600	138	1	on	on	ADP
afbr-600	138	2	the	the	DET
afbr-600	138	3	other	other	ADJ
afbr-600	138	4	hand	hand	NOUN
afbr-600	138	5	,	,	PUNCT
afbr-600	138	6	for	for	ADP
afbr-600	138	7	a	a	DET
afbr-600	138	8	fixed	fix	VERB
afbr-600	138	9	rate	rate	NOUN
afbr-600	138	10	of	of	ADP
afbr-600	138	11	interest	interest	NOUN
afbr-600	138	12	,	,	PUNCT
afbr-600	138	13	an	an	DET
afbr-600	138	14	increase	increase	NOUN
afbr-600	138	15	in	in	ADP
afbr-600	138	16	collateral	collateral	ADJ
afbr-600	138	17	requirements	requirement	NOUN
afbr-600	138	18	may	may	AUX
afbr-600	138	19	also	also	ADV
afbr-600	138	20	result	result	VERB
afbr-600	138	21	in	in	ADP
afbr-600	138	22	a	a	DET
afbr-600	138	23	decline	decline	NOUN
afbr-600	138	24	in	in	ADP
afbr-600	138	25	the	the	DET
afbr-600	138	26	lender	lender	NOUN
afbr-600	138	27	’s	’s	PART
afbr-600	138	28	profits	profit	NOUN
afbr-600	138	29	(	(	PUNCT
afbr-600	138	30	cressy	cressy	NOUN
afbr-600	138	31	,	,	PUNCT
afbr-600	138	32	1996	1996	NUM
afbr-600	138	33	)	)	PUNCT
afbr-600	138	34	.	.	PUNCT
afbr-600	139	1	stiglitz	stiglitz	PROPN
afbr-600	139	2	and	and	CCONJ
afbr-600	139	3	weiss	weiss	PROPN
afbr-600	139	4	(	(	PUNCT
afbr-600	139	5	1981	1981	NUM
afbr-600	139	6	)	)	PUNCT
afbr-600	139	7	showed	show	VERB
afbr-600	139	8	that	that	SCONJ
afbr-600	139	9	this	this	PRON
afbr-600	139	10	happens	happen	VERB
afbr-600	139	11	if	if	SCONJ
afbr-600	139	12	the	the	DET
afbr-600	139	13	more	more	ADJ
afbr-600	139	14	risk	risk	NOUN
afbr-600	139	15	-	-	PUNCT
afbr-600	139	16	averse	averse	ADJ
afbr-600	139	17	borrowers	borrower	NOUN
afbr-600	139	18	,	,	PUNCT
afbr-600	139	19	those	those	PRON
afbr-600	139	20	that	that	PRON
afbr-600	139	21	choose	choose	VERB
afbr-600	139	22	relatively	relatively	ADV
afbr-600	139	23	safe	safe	ADJ
afbr-600	139	24	investment	investment	NOUN
afbr-600	139	25	projects	project	NOUN
afbr-600	139	26	,	,	PUNCT
afbr-600	139	27	drop	drop	VERB
afbr-600	139	28	out	out	ADP
afbr-600	139	29	of	of	ADP
afbr-600	139	30	the	the	DET
afbr-600	139	31	market	market	NOUN
afbr-600	139	32	.	.	PUNCT
afbr-600	140	1	according	accord	VERB
afbr-600	140	2	to	to	ADP
afbr-600	140	3	bester	bester	NOUN
afbr-600	140	4	(	(	PUNCT
afbr-600	140	5	1985	1985	NUM
afbr-600	140	6	)	)	PUNCT
afbr-600	140	7	andretti	andretti	PROPN
afbr-600	140	8	(	(	PUNCT
afbr-600	140	9	1983	1983	NUM
afbr-600	140	10	)	)	PUNCT
afbr-600	140	11	,	,	PUNCT
afbr-600	140	12	if	if	SCONJ
afbr-600	140	13	financiers	financier	NOUN
afbr-600	140	14	set	set	VERB
afbr-600	140	15	collateral	collateral	ADJ
afbr-600	140	16	requirements	requirement	NOUN
afbr-600	140	17	and	and	CCONJ
afbr-600	140	18	the	the	DET
afbr-600	140	19	rate	rate	NOUN
afbr-600	140	20	of	of	ADP
afbr-600	140	21	interest	interest	NOUN
afbr-600	140	22	to	to	PART
afbr-600	140	23	screen	screen	VERB
afbr-600	140	24	investors	investor	NOUN
afbr-600	140	25	'	'	PART
afbr-600	140	26	riskiness	riskiness	NOUN
afbr-600	140	27	,	,	PUNCT
afbr-600	140	28	then	then	ADV
afbr-600	140	29	no	no	DET
afbr-600	140	30	credit	credit	NOUN
afbr-600	140	31	rationing	ration	VERB
afbr-600	140	32	will	will	AUX
afbr-600	140	33	occur	occur	VERB
afbr-600	140	34	at	at	ADP
afbr-600	140	35	equilibrium	equilibrium	NOUN
afbr-600	140	36	.	.	PUNCT
afbr-600	141	1	this	this	PRON
afbr-600	141	2	is	be	AUX
afbr-600	141	3	because	because	SCONJ
afbr-600	141	4	increasing	increase	VERB
afbr-600	141	5	collateral	collateral	ADJ
afbr-600	141	6	requirements	requirement	NOUN
afbr-600	141	7	tends	tend	VERB
afbr-600	141	8	to	to	PART
afbr-600	141	9	result	result	VERB
afbr-600	141	10	in	in	ADP
afbr-600	141	11	adverse	adverse	ADJ
afbr-600	141	12	selection	selection	NOUN
afbr-600	141	13	,	,	PUNCT
afbr-600	141	14	even	even	ADV
afbr-600	141	15	with	with	ADP
afbr-600	141	16	risk	risk	NOUN
afbr-600	141	17	-	-	PUNCT
afbr-600	141	18	neutral	neutral	ADJ
afbr-600	141	19	investors	investor	NOUN
afbr-600	141	20	(	(	PUNCT
afbr-600	141	21	bester	bester	NOUN
afbr-600	141	22	,	,	PUNCT
afbr-600	141	23	1984a	1984a	NUM
afbr-600	141	24	,	,	PUNCT
afbr-600	141	25	1985	1985	NUM
afbr-600	141	26	)	)	PUNCT
afbr-600	141	27	.	.	PUNCT
afbr-600	142	1	empirical	empirical	ADJ
afbr-600	142	2	review	review	NOUN
afbr-600	142	3	ajayi	ajayi	NOUN
afbr-600	142	4	and	and	CCONJ
afbr-600	142	5	atanda	atanda	X
afbr-600	142	6	(	(	PUNCT
afbr-600	142	7	2012	2012	NUM
afbr-600	142	8	)	)	PUNCT
afbr-600	142	9	investigated	investigate	VERB
afbr-600	142	10	the	the	DET
afbr-600	142	11	impact	impact	NOUN
afbr-600	142	12	of	of	ADP
afbr-600	142	13	monetary	monetary	ADJ
afbr-600	142	14	policy	policy	NOUN
afbr-600	142	15	instruments	instrument	NOUN
afbr-600	142	16	on	on	ADP
afbr-600	142	17	banks	bank	NOUN
afbr-600	142	18	performance	performance	NOUN
afbr-600	142	19	between	between	ADP
afbr-600	142	20	1980	1980	NUM
afbr-600	142	21	and	and	CCONJ
afbr-600	142	22	2008	2008	NUM
afbr-600	142	23	.	.	PUNCT
afbr-600	143	1	the	the	DET
afbr-600	143	2	study	study	NOUN
afbr-600	143	3	used	use	VERB
afbr-600	143	4	engle	engle	PROPN
afbr-600	143	5	-	-	PUNCT
afbr-600	143	6	granger	granger	PROPN
afbr-600	143	7	two	two	NUM
afbr-600	143	8	-	-	PUNCT
afbr-600	143	9	step	step	NOUN
afbr-600	143	10	co	co	NOUN
afbr-600	143	11	-	-	NOUN
afbr-600	143	12	integration	integration	NOUN
afbr-600	143	13	approach	approach	NOUN
afbr-600	143	14	for	for	ADP
afbr-600	143	15	its	its	PRON
afbr-600	143	16	analysis	analysis	NOUN
afbr-600	143	17	.	.	PUNCT
afbr-600	144	1	the	the	DET
afbr-600	144	2	result	result	NOUN
afbr-600	144	3	indicated	indicate	VERB
afbr-600	144	4	that	that	SCONJ
afbr-600	144	5	bank	bank	NOUN
afbr-600	144	6	rate	rate	NOUN
afbr-600	144	7	,	,	PUNCT
afbr-600	144	8	inflation	inflation	NOUN
afbr-600	144	9	rate	rate	NOUN
afbr-600	144	10	and	and	CCONJ
afbr-600	144	11	exchange	exchange	NOUN
afbr-600	144	12	rate	rate	NOUN
afbr-600	144	13	are	be	AUX
afbr-600	144	14	credit	credit	NOUN
afbr-600	144	15	enhancing	enhance	VERB
afbr-600	144	16	variables	variable	NOUN
afbr-600	144	17	,	,	PUNCT
afbr-600	144	18	while	while	SCONJ
afbr-600	144	19	liquidity	liquidity	NOUN
afbr-600	144	20	ratio	ratio	NOUN
afbr-600	144	21	and	and	CCONJ
afbr-600	144	22	cash	cash	NOUN
afbr-600	144	23	reserves	reserve	NOUN
afbr-600	144	24	ratio	ratio	NOUN
afbr-600	144	25	exert	exert	VERB
afbr-600	144	26	negative	negative	ADJ
afbr-600	144	27	impact	impact	NOUN
afbr-600	144	28	on	on	ADP
afbr-600	144	29	banks	bank	NOUN
afbr-600	144	30	total	total	ADJ
afbr-600	144	31	credit	credit	NOUN
afbr-600	144	32	.	.	PUNCT
afbr-600	145	1	although	although	SCONJ
afbr-600	145	2	,	,	PUNCT
afbr-600	145	3	it	it	PRON
afbr-600	145	4	is	be	AUX
afbr-600	145	5	only	only	ADV
afbr-600	145	6	cash	cash	NOUN
afbr-600	145	7	reserve	reserve	NOUN
afbr-600	145	8	ratio	ratio	NOUN
afbr-600	145	9	and	and	CCONJ
afbr-600	145	10	exchange	exchange	NOUN
afbr-600	145	11	rate	rate	NOUN
afbr-600	145	12	that	that	PRON
afbr-600	145	13	are	be	AUX
afbr-600	145	14	found	find	VERB
afbr-600	145	15	to	to	PART
afbr-600	145	16	be	be	AUX
afbr-600	145	17	significant	significant	ADJ
afbr-600	145	18	at	at	ADP
afbr-600	145	19	5	5	NUM
afbr-600	145	20	%	%	NOUN
afbr-600	145	21	critical	critical	ADJ
afbr-600	145	22	value	value	NOUN
afbr-600	145	23	.	.	PUNCT
afbr-600	146	1	the	the	DET
afbr-600	146	2	study	study	NOUN
afbr-600	146	3	found	find	VERB
afbr-600	146	4	that	that	SCONJ
afbr-600	146	5	monetary	monetary	ADJ
afbr-600	146	6	policy	policy	NOUN
afbr-600	146	7	instruments	instrument	NOUN
afbr-600	146	8	are	be	AUX
afbr-600	146	9	not	not	PART
afbr-600	146	10	significant	significant	ADJ
afbr-600	146	11	to	to	PART
afbr-600	146	12	stimulate	stimulate	VERB
afbr-600	146	13	credit	credit	NOUN
afbr-600	146	14	in	in	ADP
afbr-600	146	15	the	the	DET
afbr-600	146	16	long	long	ADV
afbr-600	146	17	-	-	PUNCT
afbr-600	146	18	run	run	NOUN
afbr-600	146	19	,	,	PUNCT
afbr-600	146	20	while	while	SCONJ
afbr-600	146	21	banks	bank	NOUN
afbr-600	146	22	total	total	ADJ
afbr-600	146	23	credit	credit	NOUN
afbr-600	146	24	is	be	AUX
afbr-600	146	25	more	more	ADV
afbr-600	146	26	responsive	responsive	ADJ
afbr-600	146	27	to	to	ADP
afbr-600	146	28	cash	cash	NOUN
afbr-600	146	29	reserve	reserve	NOUN
afbr-600	146	30	ratio	ratio	NOUN
afbr-600	146	31	.	.	PUNCT
afbr-600	147	1	nto	nto	PROPN
afbr-600	147	2	,	,	PUNCT
afbr-600	147	3	mbanasor	mbanasor	NOUN
afbr-600	147	4	and	and	CCONJ
afbr-600	147	5	osuala	osuala	PROPN
afbr-600	147	6	(	(	PUNCT
afbr-600	147	7	2012	2012	NUM
afbr-600	147	8	)	)	PUNCT
afbr-600	147	9	examined	examine	VERB
afbr-600	147	10	the	the	DET
afbr-600	147	11	influence	influence	NOUN
afbr-600	147	12	of	of	ADP
afbr-600	147	13	monetary	monetary	ADJ
afbr-600	147	14	policy	policy	NOUN
afbr-600	147	15	variables	variable	NOUN
afbr-600	147	16	on	on	ADP
afbr-600	147	17	banks	bank	NOUN
afbr-600	147	18	’	'	PUNCT
afbr-600	147	19	credit	credit	NOUN
afbr-600	147	20	supply	supply	NOUN
afbr-600	147	21	to	to	ADP
afbr-600	147	22	smes	sme	NOUN
afbr-600	147	23	in	in	ADP
afbr-600	147	24	nigeria	nigeria	PROPN
afbr-600	147	25	.	.	PUNCT
afbr-600	148	1	time	time	PROPN
afbr-600	148	2	series	series	PROPN
afbr-600	148	3	data	datum	NOUN
afbr-600	148	4	were	be	AUX
afbr-600	148	5	collected	collect	VERB
afbr-600	148	6	on	on	ADP
afbr-600	148	7	quarterly	quarterly	ADJ
afbr-600	148	8	basis	basis	NOUN
afbr-600	148	9	covering	cover	VERB
afbr-600	148	10	a	a	DET
afbr-600	148	11	period	period	NOUN
afbr-600	148	12	of	of	ADP
afbr-600	148	13	1995	1995	NUM
afbr-600	148	14	-	-	SYM
afbr-600	148	15	2010	2010	NUM
afbr-600	148	16	and	and	CCONJ
afbr-600	148	17	were	be	AUX
afbr-600	148	18	analyzed	analyze	VERB
afbr-600	148	19	using	use	VERB
afbr-600	148	20	fully	fully	ADV
afbr-600	148	21	modified	modify	VERB
afbr-600	148	22	least	least	ADJ
afbr-600	148	23	squares	square	NOUN
afbr-600	148	24	(	(	PUNCT
afbr-600	148	25	fmols	fmol	NOUN
afbr-600	148	26	)	)	PUNCT
afbr-600	148	27	.	.	PUNCT
afbr-600	149	1	the	the	DET
afbr-600	149	2	results	result	NOUN
afbr-600	149	3	indicated	indicate	VERB
afbr-600	149	4	that	that	SCONJ
afbr-600	149	5	policies	policy	NOUN
afbr-600	149	6	on	on	ADP
afbr-600	149	7	interest	interest	NOUN
afbr-600	149	8	rate	rate	NOUN
afbr-600	149	9	and	and	CCONJ
afbr-600	149	10	liquidity	liquidity	NOUN
afbr-600	149	11	ratio	ratio	NOUN
afbr-600	149	12	were	be	AUX
afbr-600	149	13	negatively	negatively	ADV
afbr-600	149	14	and	and	CCONJ
afbr-600	149	15	positively	positively	ADV
afbr-600	149	16	significant	significant	ADJ
afbr-600	149	17	to	to	ADP
afbr-600	149	18	smes	sme	NOUN
afbr-600	149	19	.	.	PUNCT
afbr-600	150	1	the	the	DET
afbr-600	150	2	study	study	NOUN
afbr-600	150	3	recommends	recommend	VERB
afbr-600	150	4	that	that	SCONJ
afbr-600	150	5	government	government	NOUN
afbr-600	150	6	through	through	ADP
afbr-600	150	7	cbn	cbn	PROPN
afbr-600	150	8	should	should	AUX
afbr-600	150	9	strengthen	strengthen	VERB
afbr-600	150	10	existing	exist	VERB
afbr-600	150	11	policies	policy	NOUN
afbr-600	150	12	on	on	ADP
afbr-600	150	13	the	the	DET
afbr-600	150	14	monetary	monetary	ADJ
afbr-600	150	15	policy	policy	NOUN
afbr-600	150	16	instruments	instrument	NOUN
afbr-600	150	17	so	so	SCONJ
afbr-600	150	18	as	as	SCONJ
afbr-600	150	19	to	to	PART
afbr-600	150	20	increase	increase	VERB
afbr-600	150	21	and	and	CCONJ
afbr-600	150	22	stabilize	stabilize	VERB
afbr-600	150	23	credit	credit	NOUN
afbr-600	150	24	supply	supply	NOUN
afbr-600	150	25	to	to	ADP
afbr-600	150	26	smes	sme	NOUN
afbr-600	150	27	.	.	PUNCT
afbr-600	151	1	dhanuskodi	dhanuskodi	PROPN
afbr-600	151	2	(	(	PUNCT
afbr-600	151	3	2014	2014	NUM
afbr-600	151	4	)	)	PUNCT
afbr-600	151	5	examines	examine	VERB
afbr-600	151	6	the	the	DET
afbr-600	151	7	impact	impact	NOUN
afbr-600	151	8	of	of	ADP
afbr-600	151	9	loan	loan	NOUN
afbr-600	151	10	deposit	deposit	NOUN
afbr-600	151	11	ratio	ratio	NOUN
afbr-600	151	12	on	on	ADP
afbr-600	151	13	the	the	DET
afbr-600	151	14	profitability	profitability	NOUN
afbr-600	151	15	of	of	ADP
afbr-600	151	16	malaysian	malaysian	ADJ
afbr-600	151	17	commercial	commercial	ADJ
afbr-600	151	18	banks	bank	NOUN
afbr-600	151	19	for	for	ADP
afbr-600	151	20	the	the	DET
afbr-600	151	21	period	period	NOUN
afbr-600	151	22	of	of	ADP
afbr-600	151	23	2009	2009	NUM
afbr-600	151	24	to	to	ADP
afbr-600	151	25	2013	2013	NUM
afbr-600	151	26	using	use	VERB
afbr-600	151	27	all	all	DET
afbr-600	151	28	the	the	DET
afbr-600	151	29	8	8	NUM
afbr-600	151	30	locally	locally	ADV
afbr-600	151	31	owned	own	VERB
afbr-600	151	32	commercial	commercial	ADJ
afbr-600	151	33	banks	bank	NOUN
afbr-600	151	34	in	in	ADP
afbr-600	151	35	malaysia	malaysia	PROPN
afbr-600	151	36	.	.	PUNCT
afbr-600	152	1	the	the	DET
afbr-600	152	2	study	study	NOUN
afbr-600	152	3	use	use	VERB
afbr-600	152	4	loan	loan	NOUN
afbr-600	152	5	deposit	deposit	NOUN
afbr-600	152	6	ratio	ratio	NOUN
afbr-600	152	7	of	of	ADP
afbr-600	152	8	the	the	DET
afbr-600	152	9	banks	bank	NOUN
afbr-600	152	10	as	as	ADP
afbr-600	152	11	the	the	DET
afbr-600	152	12	independent	independent	ADJ
afbr-600	152	13	variable	variable	NOUN
afbr-600	152	14	and	and	CCONJ
afbr-600	152	15	the	the	DET
afbr-600	152	16	dependent	dependent	ADJ
afbr-600	152	17	variable	variable	NOUN
afbr-600	152	18	was	be	AUX
afbr-600	152	19	profitability	profitability	NOUN
afbr-600	152	20	which	which	PRON
afbr-600	152	21	measures	measure	VERB
afbr-600	152	22	through	through	ADP
afbr-600	152	23	return	return	NOUN
afbr-600	152	24	on	on	ADP
afbr-600	152	25	assets	asset	NOUN
afbr-600	152	26	(	(	PUNCT
afbr-600	152	27	roa	roa	NOUN
afbr-600	152	28	)	)	PUNCT
afbr-600	152	29	.	.	PUNCT
afbr-600	153	1	data	datum	NOUN
afbr-600	153	2	were	be	AUX
afbr-600	153	3	sourced	source	VERB
afbr-600	153	4	mainly	mainly	ADV
afbr-600	153	5	from	from	ADP
afbr-600	153	6	the	the	DET
afbr-600	153	7	annual	annual	ADJ
afbr-600	153	8	reports	report	NOUN
afbr-600	153	9	of	of	ADP
afbr-600	153	10	the	the	DET
afbr-600	153	11	8	8	NUM
afbr-600	153	12	banks	bank	NOUN
afbr-600	153	13	.	.	PUNCT
afbr-600	154	1	ratio	ratio	NOUN
afbr-600	154	2	analysis	analysis	NOUN
afbr-600	154	3	along	along	ADP
afbr-600	154	4	with	with	ADP
afbr-600	154	5	descriptive	descriptive	ADJ
afbr-600	154	6	,	,	PUNCT
afbr-600	154	7	correlation	correlation	NOUN
afbr-600	154	8	analysis	analysis	NOUN
afbr-600	154	9	,	,	PUNCT
afbr-600	154	10	paired	pair	VERB
afbr-600	154	11	ttest	tt	ADJ
afbr-600	154	12	and	and	CCONJ
afbr-600	154	13	regression	regression	NOUN
afbr-600	154	14	analysis	analysis	NOUN
afbr-600	154	15	were	be	AUX
afbr-600	154	16	used	use	VERB
afbr-600	154	17	in	in	ADP
afbr-600	154	18	the	the	DET
afbr-600	154	19	study	study	NOUN
afbr-600	154	20	.	.	PUNCT
afbr-600	155	1	the	the	DET
afbr-600	155	2	result	result	NOUN
afbr-600	155	3	of	of	ADP
afbr-600	155	4	the	the	DET
afbr-600	155	5	study	study	NOUN
afbr-600	155	6	indicated	indicate	VERB
afbr-600	155	7	that	that	SCONJ
afbr-600	155	8	there	there	PRON
afbr-600	155	9	was	be	VERB
afbr-600	155	10	a	a	DET
afbr-600	155	11	positive	positive	ADJ
afbr-600	155	12	and	and	CCONJ
afbr-600	155	13	non	non	ADJ
afbr-600	155	14	-	-	ADJ
afbr-600	155	15	significant	significant	ADJ
afbr-600	155	16	impact	impact	NOUN
afbr-600	155	17	of	of	ADP
afbr-600	155	18	ldr	ldr	PROPN
afbr-600	155	19	on	on	ADP
afbr-600	155	20	roa	roa	PROPN
afbr-600	155	21	in	in	ADP
afbr-600	155	22	five	five	NUM
afbr-600	155	23	banks	bank	NOUN
afbr-600	155	24	(	(	PUNCT
afbr-600	155	25	bank	bank	NOUN
afbr-600	155	26	1	1	NUM
afbr-600	155	27	,	,	PUNCT
afbr-600	155	28	2	2	NUM
afbr-600	155	29	,	,	PUNCT
afbr-600	155	30	3	3	NUM
afbr-600	155	31	,	,	PUNCT
afbr-600	155	32	4	4	NUM
afbr-600	155	33	and	and	CCONJ
afbr-600	155	34	8)	8)	NUM
afbr-600	155	35	.	.	PUNCT
afbr-600	155	36	further	far	ADV
afbr-600	155	37	,	,	PUNCT
afbr-600	155	38	the	the	DET
afbr-600	155	39	study	study	NOUN
afbr-600	155	40	revealed	reveal	VERB
afbr-600	155	41	that	that	SCONJ
afbr-600	155	42	only	only	ADV
afbr-600	155	43	one	one	NUM
afbr-600	155	44	bank	bank	NOUN
afbr-600	155	45	(	(	PUNCT
afbr-600	155	46	bank	bank	NOUN
afbr-600	155	47	5	5	NUM
afbr-600	155	48	)	)	PUNCT
afbr-600	155	49	had	have	VERB
afbr-600	155	50	a	a	DET
afbr-600	155	51	negative	negative	ADJ
afbr-600	155	52	and	and	CCONJ
afbr-600	155	53	non	non	ADJ
afbr-600	155	54	-	-	ADJ
afbr-600	155	55	significant	significant	ADJ
afbr-600	155	56	impact	impact	NOUN
afbr-600	155	57	of	of	ADP
afbr-600	155	58	ldr	ldr	PROPN
afbr-600	155	59	on	on	ADP
afbr-600	155	60	roa	roa	PROPN
afbr-600	155	61	and	and	CCONJ
afbr-600	155	62	bank	bank	PROPN
afbr-600	155	63	7	7	NUM
afbr-600	155	64	had	have	VERB
afbr-600	155	65	positive	positive	ADJ
afbr-600	155	66	and	and	CCONJ
afbr-600	155	67	significant	significant	ADJ
afbr-600	155	68	impact	impact	NOUN
afbr-600	155	69	.	.	PUNCT
afbr-600	156	1	copyright	copyright	NOUN
afbr-600	156	2	©	©	PROPN
afbr-600	156	3	cc	cc	PROPN
afbr-600	156	4	-	-	PUNCT
afbr-600	156	5	by	by	ADP
afbr-600	156	6	-	-	PUNCT
afbr-600	156	7	nc	nc	PROPN
afbr-600	156	8	2019	2019	NUM
afbr-600	156	9	,	,	PUNCT
afbr-600	156	10	cribfb	cribfb	PROPN
afbr-600	156	11	|	|	ADV
afbr-600	156	12	afbr	afbr	PROPN
afbr-600	156	13	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	156	14	australian	australian	ADJ
afbr-600	156	15	finance	finance	PROPN
afbr-600	156	16	&	&	CCONJ
afbr-600	156	17	banking	banking	PROPN
afbr-600	156	18	review	review	PROPN
afbr-600	156	19	vol	vol	NOUN
afbr-600	156	20	.	.	PROPN
afbr-600	157	1	4	4	NUM
afbr-600	157	2	,	,	PUNCT
afbr-600	157	3	no	no	INTJ
afbr-600	157	4	.	.	NOUN
afbr-600	157	5	1	1	NUM
afbr-600	157	6	;	;	PUNCT
afbr-600	157	7	2020	2020	NUM
afbr-600	157	8	23	23	NUM
afbr-600	157	9	hyunggeun	hyunggeun	ADJ
afbr-600	157	10	,	,	PUNCT
afbr-600	157	11	hyunwoo	hyunwoo	NOUN
afbr-600	157	12	and	and	CCONJ
afbr-600	157	13	dokyung	dokyung	PROPN
afbr-600	157	14	(	(	PUNCT
afbr-600	157	15	2015	2015	NUM
afbr-600	157	16	)	)	PUNCT
afbr-600	157	17	conduct	conduct	VERB
afbr-600	157	18	an	an	DET
afbr-600	157	19	empirical	empirical	ADJ
afbr-600	157	20	analysis	analysis	NOUN
afbr-600	157	21	of	of	ADP
afbr-600	157	22	the	the	DET
afbr-600	157	23	usefulness	usefulness	NOUN
afbr-600	157	24	of	of	ADP
afbr-600	157	25	the	the	DET
afbr-600	157	26	loan	loan	NOUN
afbr-600	157	27	-	-	PUNCT
afbr-600	157	28	to	to	ADP
afbr-600	157	29	-	-	PUNCT
afbr-600	157	30	deposit	deposit	NOUN
afbr-600	157	31	ratio	ratio	NOUN
afbr-600	157	32	using	use	VERB
afbr-600	157	33	panel	panel	NOUN
afbr-600	157	34	data	data	PROPN
afbr-600	157	35	regression	regression	NOUN
afbr-600	157	36	model	model	NOUN
afbr-600	157	37	.	.	PUNCT
afbr-600	158	1	the	the	DET
afbr-600	158	2	results	result	NOUN
afbr-600	158	3	of	of	ADP
afbr-600	158	4	cross	cross	ADJ
afbr-600	158	5	-	-	ADJ
afbr-600	158	6	sectional	sectional	ADJ
afbr-600	158	7	analysis	analysis	NOUN
afbr-600	158	8	indicate	indicate	VERB
afbr-600	158	9	that	that	SCONJ
afbr-600	158	10	as	as	SCONJ
afbr-600	158	11	a	a	DET
afbr-600	158	12	bank	bank	NOUN
afbr-600	158	13	’s	’s	PART
afbr-600	158	14	share	share	NOUN
afbr-600	158	15	of	of	ADP
afbr-600	158	16	wholesale	wholesale	ADJ
afbr-600	158	17	funding	funding	NOUN
afbr-600	158	18	declines	decline	VERB
afbr-600	158	19	,	,	PUNCT
afbr-600	158	20	the	the	DET
afbr-600	158	21	indicator	indicator	NOUN
afbr-600	158	22	(	(	PUNCT
afbr-600	158	23	δcovar	δcovar	NOUN
afbr-600	158	24	value	value	NOUN
afbr-600	158	25	)	)	PUNCT
afbr-600	158	26	of	of	ADP
afbr-600	158	27	interconnectedness	interconnectedness	NOUN
afbr-600	158	28	among	among	ADP
afbr-600	158	29	financial	financial	ADJ
afbr-600	158	30	institutions	institution	NOUN
afbr-600	158	31	is	be	AUX
afbr-600	158	32	reduced	reduce	VERB
afbr-600	158	33	.	.	PUNCT
afbr-600	159	1	findings	finding	NOUN
afbr-600	159	2	show	show	VERB
afbr-600	159	3	that	that	SCONJ
afbr-600	159	4	loan	loan	NOUN
afbr-600	159	5	-	-	PUNCT
afbr-600	159	6	to	to	ADP
afbr-600	159	7	-	-	PUNCT
afbr-600	159	8	deposit	deposit	NOUN
afbr-600	159	9	ratio	ratio	NOUN
afbr-600	159	10	regulation	regulation	NOUN
afbr-600	159	11	has	have	AUX
afbr-600	159	12	served	serve	VERB
afbr-600	159	13	as	as	ADP
afbr-600	159	14	an	an	DET
afbr-600	159	15	effective	effective	ADJ
afbr-600	159	16	macro	macro	ADJ
afbr-600	159	17	-	-	ADJ
afbr-600	159	18	prudential	prudential	ADJ
afbr-600	159	19	policy	policy	NOUN
afbr-600	159	20	tool	tool	NOUN
afbr-600	159	21	by	by	ADP
afbr-600	159	22	weakening	weaken	VERB
afbr-600	159	23	the	the	DET
afbr-600	159	24	interconnectedness	interconnectedness	NOUN
afbr-600	159	25	among	among	ADP
afbr-600	159	26	financial	financial	ADJ
afbr-600	159	27	institutions	institution	NOUN
afbr-600	159	28	and	and	CCONJ
afbr-600	159	29	the	the	DET
afbr-600	159	30	pro	pro	ADJ
afbr-600	159	31	-	-	NOUN
afbr-600	159	32	cyclicality	cyclicality	NOUN
afbr-600	159	33	of	of	ADP
afbr-600	159	34	bank	bank	NOUN
afbr-600	159	35	lending	lending	NOUN
afbr-600	159	36	.	.	PUNCT
afbr-600	160	1	analysis	analysis	NOUN
afbr-600	160	2	of	of	ADP
afbr-600	160	3	the	the	DET
afbr-600	160	4	loan	loan	NOUN
afbr-600	160	5	-	-	PUNCT
afbr-600	160	6	to	to	ADP
afbr-600	160	7	-	-	PUNCT
afbr-600	160	8	deposit	deposit	NOUN
afbr-600	160	9	ratio	ratio	NOUN
afbr-600	160	10	regulation	regulation	NOUN
afbr-600	160	11	’s	’s	PART
afbr-600	160	12	effects	effect	NOUN
afbr-600	160	13	on	on	ADP
afbr-600	160	14	the	the	DET
afbr-600	160	15	monetary	monetary	ADJ
afbr-600	160	16	policy	policy	NOUN
afbr-600	160	17	transmission	transmission	NOUN
afbr-600	160	18	channels	channel	NOUN
afbr-600	160	19	suggests	suggest	VERB
afbr-600	160	20	that	that	SCONJ
afbr-600	160	21	,	,	PUNCT
afbr-600	160	22	among	among	ADP
afbr-600	160	23	the	the	DET
afbr-600	160	24	various	various	ADJ
afbr-600	160	25	transmission	transmission	NOUN
afbr-600	160	26	channels	channel	NOUN
afbr-600	160	27	,	,	PUNCT
afbr-600	160	28	the	the	DET
afbr-600	160	29	loan	loan	NOUN
afbr-600	160	30	-	-	PUNCT
afbr-600	160	31	to	to	ADP
afbr-600	160	32	-	-	PUNCT
afbr-600	160	33	deposit	deposit	NOUN
afbr-600	160	34	ratio	ratio	NOUN
afbr-600	160	35	influences	influence	VERB
afbr-600	160	36	the	the	DET
afbr-600	160	37	effectiveness	effectiveness	NOUN
afbr-600	160	38	of	of	ADP
afbr-600	160	39	the	the	DET
afbr-600	160	40	bank	bank	NOUN
afbr-600	160	41	lending	lending	NOUN
afbr-600	160	42	channel	channel	NOUN
afbr-600	160	43	,	,	PUNCT
afbr-600	160	44	by	by	ADP
afbr-600	160	45	changing	change	VERB
afbr-600	160	46	bank	bank	NOUN
afbr-600	160	47	conditions	condition	NOUN
afbr-600	160	48	for	for	ADP
afbr-600	160	49	asset	asset	NOUN
afbr-600	160	50	management	management	NOUN
afbr-600	160	51	and	and	CCONJ
afbr-600	160	52	funding	funding	NOUN
afbr-600	160	53	.	.	PUNCT
afbr-600	161	1	this	this	PRON
afbr-600	161	2	implies	imply	VERB
afbr-600	161	3	that	that	SCONJ
afbr-600	161	4	the	the	DET
afbr-600	161	5	supervisory	supervisory	ADJ
afbr-600	161	6	authorities	authority	NOUN
afbr-600	161	7	and	and	CCONJ
afbr-600	161	8	the	the	DET
afbr-600	161	9	central	central	ADJ
afbr-600	161	10	bank	bank	NOUN
afbr-600	161	11	,	,	PUNCT
afbr-600	161	12	which	which	PRON
afbr-600	161	13	are	be	AUX
afbr-600	161	14	in	in	ADP
afbr-600	161	15	charge	charge	NOUN
afbr-600	161	16	of	of	ADP
afbr-600	161	17	the	the	DET
afbr-600	161	18	loan	loan	NOUN
afbr-600	161	19	-	-	PUNCT
afbr-600	161	20	to	to	ADP
afbr-600	161	21	-	-	PUNCT
afbr-600	161	22	deposit	deposit	NOUN
afbr-600	161	23	ratio	ratio	NOUN
afbr-600	161	24	regulation	regulation	NOUN
afbr-600	161	25	,	,	PUNCT
afbr-600	161	26	need	need	VERB
afbr-600	161	27	to	to	PART
afbr-600	161	28	maintain	maintain	VERB
afbr-600	161	29	a	a	DET
afbr-600	161	30	closer	close	ADJ
afbr-600	161	31	cooperative	cooperative	ADJ
afbr-600	161	32	relationship	relationship	NOUN
afbr-600	161	33	.	.	PUNCT
afbr-600	162	1	alphonce	alphonce	NOUN
afbr-600	162	2	,	,	PUNCT
afbr-600	162	3	silvanos	silvano	NOUN
afbr-600	162	4	and	and	CCONJ
afbr-600	162	5	ziska	ziska	PROPN
afbr-600	162	6	(	(	PUNCT
afbr-600	162	7	2015	2015	NUM
afbr-600	162	8	)	)	PUNCT
afbr-600	162	9	study	study	NOUN
afbr-600	162	10	was	be	AUX
afbr-600	162	11	to	to	PART
afbr-600	162	12	find	find	VERB
afbr-600	162	13	out	out	ADP
afbr-600	162	14	the	the	DET
afbr-600	162	15	relationship	relationship	NOUN
afbr-600	162	16	between	between	ADP
afbr-600	162	17	liquid	liquid	ADJ
afbr-600	162	18	assets	asset	NOUN
afbr-600	162	19	and	and	CCONJ
afbr-600	162	20	profitability	profitability	NOUN
afbr-600	162	21	of	of	ADP
afbr-600	162	22	commercial	commercial	ADJ
afbr-600	162	23	banks	bank	NOUN
afbr-600	162	24	in	in	ADP
afbr-600	162	25	zimbabwe	zimbabwe	PROPN
afbr-600	162	26	.	.	PUNCT
afbr-600	163	1	a	a	DET
afbr-600	163	2	quantitative	quantitative	ADJ
afbr-600	163	3	correlation	correlation	NOUN
afbr-600	163	4	approach	approach	NOUN
afbr-600	163	5	was	be	AUX
afbr-600	163	6	adopted	adopt	VERB
afbr-600	163	7	for	for	ADP
afbr-600	163	8	the	the	DET
afbr-600	163	9	study	study	NOUN
afbr-600	163	10	in	in	ADP
afbr-600	163	11	which	which	PRON
afbr-600	163	12	testable	testable	ADJ
afbr-600	163	13	hypotheses	hypothesis	NOUN
afbr-600	163	14	were	be	AUX
afbr-600	163	15	formulated	formulate	VERB
afbr-600	163	16	based	base	VERB
afbr-600	163	17	on	on	ADP
afbr-600	163	18	literature	literature	PROPN
afbr-600	163	19	review	review	NOUN
afbr-600	163	20	findings	finding	NOUN
afbr-600	163	21	.	.	PUNCT
afbr-600	164	1	eight	eight	NUM
afbr-600	164	2	years	year	NOUN
afbr-600	164	3	historical	historical	ADJ
afbr-600	164	4	financial	financial	ADJ
afbr-600	164	5	statements	statement	NOUN
afbr-600	164	6	data	datum	NOUN
afbr-600	164	7	relating	relate	VERB
afbr-600	164	8	to	to	ADP
afbr-600	164	9	two	two	NUM
afbr-600	164	10	periods	period	NOUN
afbr-600	164	11	;	;	PUNCT
afbr-600	164	12	2005	2005	NUM
afbr-600	164	13	to	to	ADP
afbr-600	164	14	2008	2008	NUM
afbr-600	164	15	and	and	CCONJ
afbr-600	164	16	2009	2009	NUM
afbr-600	164	17	to	to	ADP
afbr-600	164	18	2012	2012	NUM
afbr-600	164	19	was	be	AUX
afbr-600	164	20	collected	collect	VERB
afbr-600	164	21	from	from	ADP
afbr-600	164	22	selected	select	VERB
afbr-600	164	23	commercial	commercial	ADJ
afbr-600	164	24	banks	bank	NOUN
afbr-600	164	25	in	in	ADP
afbr-600	164	26	zimbabwe	zimbabwe	PROPN
afbr-600	164	27	.	.	PUNCT
afbr-600	165	1	the	the	DET
afbr-600	165	2	study	study	NOUN
afbr-600	165	3	found	find	VERB
afbr-600	165	4	that	that	SCONJ
afbr-600	165	5	working	work	VERB
afbr-600	165	6	capital	capital	NOUN
afbr-600	165	7	was	be	AUX
afbr-600	165	8	weakly	weakly	ADV
afbr-600	165	9	related	relate	VERB
afbr-600	165	10	to	to	ADP
afbr-600	165	11	profitability	profitability	NOUN
afbr-600	165	12	,	,	PUNCT
afbr-600	165	13	while	while	SCONJ
afbr-600	165	14	capitalization	capitalization	NOUN
afbr-600	165	15	strongly	strongly	ADV
afbr-600	165	16	influenced	influence	VERB
afbr-600	165	17	commercial	commercial	ADJ
afbr-600	165	18	bank	bank	NOUN
afbr-600	165	19	profitability	profitability	NOUN
afbr-600	165	20	.	.	PUNCT
afbr-600	166	1	an	an	DET
afbr-600	166	2	inverse	inverse	NOUN
afbr-600	166	3	relationship	relationship	NOUN
afbr-600	166	4	was	be	AUX
afbr-600	166	5	found	find	VERB
afbr-600	166	6	between	between	ADP
afbr-600	166	7	the	the	DET
afbr-600	166	8	ratio	ratio	NOUN
afbr-600	166	9	of	of	ADP
afbr-600	166	10	loans	loan	NOUN
afbr-600	166	11	to	to	ADP
afbr-600	166	12	deposits	deposit	NOUN
afbr-600	166	13	and	and	CCONJ
afbr-600	166	14	commercial	commercial	ADJ
afbr-600	166	15	bank	bank	NOUN
afbr-600	166	16	profitability	profitability	NOUN
afbr-600	166	17	.	.	PUNCT
afbr-600	167	1	it	it	PRON
afbr-600	167	2	was	be	AUX
afbr-600	167	3	therefore	therefore	ADV
afbr-600	167	4	concluded	conclude	VERB
afbr-600	167	5	that	that	SCONJ
afbr-600	167	6	the	the	DET
afbr-600	167	7	composition	composition	NOUN
afbr-600	167	8	of	of	ADP
afbr-600	167	9	current	current	ADJ
afbr-600	167	10	assets	asset	NOUN
afbr-600	167	11	strongly	strongly	ADV
afbr-600	167	12	influences	influence	VERB
afbr-600	167	13	commercial	commercial	ADJ
afbr-600	167	14	bank	bank	NOUN
afbr-600	167	15	profitability	profitability	NOUN
afbr-600	167	16	.	.	PUNCT
afbr-600	168	1	this	this	DET
afbr-600	168	2	study	study	NOUN
afbr-600	168	3	recommends	recommend	VERB
afbr-600	168	4	that	that	SCONJ
afbr-600	168	5	rbz	rbz	PROPN
afbr-600	168	6	should	should	AUX
afbr-600	168	7	monitor	monitor	VERB
afbr-600	168	8	the	the	DET
afbr-600	168	9	capitalization	capitalization	NOUN
afbr-600	168	10	levels	level	NOUN
afbr-600	168	11	of	of	ADP
afbr-600	168	12	commercial	commercial	ADJ
afbr-600	168	13	banks	bank	NOUN
afbr-600	168	14	and	and	CCONJ
afbr-600	168	15	create	create	VERB
afbr-600	168	16	policies	policy	NOUN
afbr-600	168	17	to	to	PART
afbr-600	168	18	ensure	ensure	VERB
afbr-600	168	19	growth	growth	NOUN
afbr-600	168	20	and	and	CCONJ
afbr-600	168	21	commercial	commercial	ADJ
afbr-600	168	22	banks	bank	NOUN
afbr-600	168	23	should	should	AUX
afbr-600	168	24	monitor	monitor	VERB
afbr-600	168	25	the	the	DET
afbr-600	168	26	structure	structure	NOUN
afbr-600	168	27	or	or	CCONJ
afbr-600	168	28	composition	composition	NOUN
afbr-600	168	29	of	of	ADP
afbr-600	168	30	current	current	ADJ
afbr-600	168	31	assets	asset	NOUN
afbr-600	168	32	in	in	ADP
afbr-600	168	33	order	order	NOUN
afbr-600	168	34	to	to	PART
afbr-600	168	35	ensure	ensure	VERB
afbr-600	168	36	profitability	profitability	NOUN
afbr-600	168	37	.	.	PUNCT
afbr-600	169	1	anigbogu	anigbogu	NOUN
afbr-600	169	2	,	,	PUNCT
afbr-600	169	3	okoli	okoli	NOUN
afbr-600	169	4	and	and	CCONJ
afbr-600	169	5	nwakoby	nwakoby	NOUN
afbr-600	169	6	(	(	PUNCT
afbr-600	169	7	2015	2015	NUM
afbr-600	169	8	)	)	PUNCT
afbr-600	169	9	investigated	investigate	VERB
afbr-600	169	10	the	the	DET
afbr-600	169	11	effect	effect	NOUN
afbr-600	169	12	of	of	ADP
afbr-600	169	13	financial	financial	ADJ
afbr-600	169	14	intermediation	intermediation	NOUN
afbr-600	169	15	on	on	ADP
afbr-600	169	16	small	small	ADJ
afbr-600	169	17	and	and	CCONJ
afbr-600	169	18	medium	medium	ADJ
afbr-600	169	19	enterprises	enterprise	NOUN
afbr-600	169	20	performance	performance	NOUN
afbr-600	169	21	in	in	ADP
afbr-600	169	22	nigeria	nigeria	PRON
afbr-600	169	23	between	between	ADP
afbr-600	169	24	1980	1980	NUM
afbr-600	169	25	-	-	SYM
afbr-600	169	26	2013	2013	NUM
afbr-600	169	27	using	use	VERB
afbr-600	169	28	an	an	DET
afbr-600	169	29	econometric	econometric	ADJ
afbr-600	169	30	model	model	NOUN
afbr-600	169	31	of	of	ADP
afbr-600	169	32	the	the	DET
afbr-600	169	33	ordinary	ordinary	ADJ
afbr-600	169	34	least	least	ADJ
afbr-600	169	35	square	square	ADJ
afbr-600	169	36	(	(	PUNCT
afbr-600	169	37	ols	ol	NOUN
afbr-600	169	38	)	)	PUNCT
afbr-600	169	39	.	.	PUNCT
afbr-600	170	1	findings	finding	NOUN
afbr-600	170	2	revealed	reveal	VERB
afbr-600	170	3	that	that	SCONJ
afbr-600	170	4	with	with	ADP
afbr-600	170	5	the	the	DET
afbr-600	170	6	exception	exception	NOUN
afbr-600	170	7	of	of	ADP
afbr-600	170	8	bank	bank	NOUN
afbr-600	170	9	interest	interest	NOUN
afbr-600	170	10	rate	rate	NOUN
afbr-600	170	11	to	to	ADP
afbr-600	170	12	smes	sme	NOUN
afbr-600	170	13	,	,	PUNCT
afbr-600	170	14	all	all	DET
afbr-600	170	15	other	other	ADJ
afbr-600	170	16	variables	variable	NOUN
afbr-600	170	17	namely	namely	ADV
afbr-600	170	18	bank	bank	NOUN
afbr-600	170	19	lending	lending	NOUN
afbr-600	170	20	rate	rate	NOUN
afbr-600	170	21	to	to	ADP
afbr-600	170	22	smes	sme	NOUN
afbr-600	170	23	,	,	PUNCT
afbr-600	170	24	exchange	exchange	NOUN
afbr-600	170	25	rate	rate	NOUN
afbr-600	170	26	and	and	CCONJ
afbr-600	170	27	monetary	monetary	ADJ
afbr-600	170	28	policy	policy	NOUN
afbr-600	170	29	have	have	VERB
afbr-600	170	30	a	a	DET
afbr-600	170	31	positive	positive	ADJ
afbr-600	170	32	and	and	CCONJ
afbr-600	170	33	significant	significant	ADJ
afbr-600	170	34	influence	influence	NOUN
afbr-600	170	35	on	on	ADP
afbr-600	170	36	small	small	ADJ
afbr-600	170	37	and	and	CCONJ
afbr-600	170	38	medium	medium	ADJ
afbr-600	170	39	enterprises	enterprise	NOUN
afbr-600	170	40	performance	performance	NOUN
afbr-600	170	41	in	in	ADP
afbr-600	170	42	nigeria	nigeria	PROPN
afbr-600	170	43	.	.	PUNCT
afbr-600	171	1	ovat	ovat	X
afbr-600	171	2	(	(	PUNCT
afbr-600	171	3	2016	2016	NUM
afbr-600	171	4	)	)	PUNCT
afbr-600	171	5	examined	examine	VERB
afbr-600	171	6	the	the	DET
afbr-600	171	7	role	role	NOUN
afbr-600	171	8	played	play	VERB
afbr-600	171	9	by	by	ADP
afbr-600	171	10	commercial	commercial	ADJ
afbr-600	171	11	banks	bank	NOUN
afbr-600	171	12	’	'	PUNCT
afbr-600	171	13	credit	credit	NOUN
afbr-600	171	14	in	in	ADP
afbr-600	171	15	facilitating	facilitate	VERB
afbr-600	171	16	the	the	DET
afbr-600	171	17	growth	growth	NOUN
afbr-600	171	18	of	of	ADP
afbr-600	171	19	smes	sme	NOUN
afbr-600	171	20	in	in	ADP
afbr-600	171	21	nigeria	nigeria	PROPN
afbr-600	171	22	.	.	PUNCT
afbr-600	172	1	the	the	DET
afbr-600	172	2	study	study	NOUN
afbr-600	172	3	adopted	adopt	VERB
afbr-600	172	4	co	co	NOUN
afbr-600	172	5	-	-	NOUN
afbr-600	172	6	integration	integration	NOUN
afbr-600	172	7	and	and	CCONJ
afbr-600	172	8	error	error	NOUN
afbr-600	172	9	correction	correction	NOUN
afbr-600	172	10	mechanisms	mechanism	NOUN
afbr-600	172	11	and	and	CCONJ
afbr-600	172	12	based	base	VERB
afbr-600	172	13	on	on	ADP
afbr-600	172	14	the	the	DET
afbr-600	172	15	findings	finding	NOUN
afbr-600	172	16	,	,	PUNCT
afbr-600	172	17	exchange	exchange	NOUN
afbr-600	172	18	rate	rate	NOUN
afbr-600	172	19	and	and	CCONJ
afbr-600	172	20	lending	lending	NOUN
afbr-600	172	21	rate	rate	NOUN
afbr-600	172	22	are	be	AUX
afbr-600	172	23	statistically	statistically	ADV
afbr-600	172	24	significant	significant	ADJ
afbr-600	172	25	to	to	ADP
afbr-600	172	26	smes	sme	NOUN
afbr-600	172	27	credit	credit	NOUN
afbr-600	172	28	.	.	PUNCT
afbr-600	173	1	also	also	ADV
afbr-600	173	2	,	,	PUNCT
afbr-600	173	3	inflation	inflation	NOUN
afbr-600	173	4	rate	rate	NOUN
afbr-600	173	5	was	be	AUX
afbr-600	173	6	found	find	VERB
afbr-600	173	7	to	to	PART
afbr-600	173	8	be	be	AUX
afbr-600	173	9	significant	significant	ADJ
afbr-600	173	10	but	but	CCONJ
afbr-600	173	11	negative	negative	ADJ
afbr-600	173	12	to	to	ADP
afbr-600	173	13	smes	sme	NOUN
afbr-600	173	14	credit	credit	NOUN
afbr-600	173	15	.	.	PUNCT
afbr-600	174	1	he	he	PRON
afbr-600	174	2	opined	opine	VERB
afbr-600	174	3	that	that	SCONJ
afbr-600	174	4	smes	sme	NOUN
afbr-600	174	5	should	should	AUX
afbr-600	174	6	be	be	AUX
afbr-600	174	7	made	make	VERB
afbr-600	174	8	to	to	PART
afbr-600	174	9	have	have	VERB
afbr-600	174	10	easy	easy	ADJ
afbr-600	174	11	access	access	NOUN
afbr-600	174	12	to	to	ADP
afbr-600	174	13	credits	credit	NOUN
afbr-600	174	14	from	from	ADP
afbr-600	174	15	commercial	commercial	ADJ
afbr-600	174	16	banks	bank	NOUN
afbr-600	174	17	.	.	PUNCT
afbr-600	175	1	in	in	ADP
afbr-600	175	2	order	order	NOUN
afbr-600	175	3	to	to	PART
afbr-600	175	4	achieve	achieve	VERB
afbr-600	175	5	this	this	PRON
afbr-600	175	6	,	,	PUNCT
afbr-600	175	7	the	the	DET
afbr-600	175	8	monetary	monetary	ADJ
afbr-600	175	9	authority	authority	NOUN
afbr-600	175	10	should	should	AUX
afbr-600	175	11	ensure	ensure	VERB
afbr-600	175	12	that	that	SCONJ
afbr-600	175	13	the	the	DET
afbr-600	175	14	lending	lending	NOUN
afbr-600	175	15	rate	rate	NOUN
afbr-600	175	16	at	at	ADP
afbr-600	175	17	which	which	PRON
afbr-600	175	18	commercial	commercial	ADJ
afbr-600	175	19	banks	bank	NOUN
afbr-600	175	20	lend	lend	VERB
afbr-600	175	21	to	to	ADP
afbr-600	175	22	the	the	DET
afbr-600	175	23	smes	sme	NOUN
afbr-600	175	24	is	be	AUX
afbr-600	175	25	reduced	reduce	VERB
afbr-600	175	26	to	to	ADP
afbr-600	175	27	the	the	DET
afbr-600	175	28	barest	bare	ADJ
afbr-600	175	29	minimum	minimum	NOUN
afbr-600	175	30	.	.	PUNCT
afbr-600	176	1	more	more	ADV
afbr-600	176	2	so	so	ADV
afbr-600	176	3	,	,	PUNCT
afbr-600	176	4	devaluation	devaluation	NOUN
afbr-600	176	5	of	of	ADP
afbr-600	176	6	the	the	DET
afbr-600	176	7	national	national	ADJ
afbr-600	176	8	currency	currency	NOUN
afbr-600	176	9	should	should	AUX
afbr-600	176	10	not	not	PART
afbr-600	176	11	be	be	AUX
afbr-600	176	12	encouraged	encourage	VERB
afbr-600	176	13	as	as	SCONJ
afbr-600	176	14	devaluation	devaluation	NOUN
afbr-600	176	15	makes	make	VERB
afbr-600	176	16	the	the	DET
afbr-600	176	17	cost	cost	NOUN
afbr-600	176	18	of	of	ADP
afbr-600	176	19	imported	import	VERB
afbr-600	176	20	raw	raw	ADJ
afbr-600	176	21	materials	material	NOUN
afbr-600	176	22	and	and	CCONJ
afbr-600	176	23	capital	capital	NOUN
afbr-600	176	24	goods	good	NOUN
afbr-600	176	25	used	use	VERB
afbr-600	176	26	by	by	ADP
afbr-600	176	27	the	the	DET
afbr-600	176	28	smes	sme	NOUN
afbr-600	176	29	very	very	ADV
afbr-600	176	30	expensive	expensive	ADJ
afbr-600	176	31	and	and	CCONJ
afbr-600	176	32	hence	hence	ADV
afbr-600	176	33	impedes	impede	VERB
afbr-600	176	34	their	their	PRON
afbr-600	176	35	production	production	NOUN
afbr-600	176	36	,	,	PUNCT
afbr-600	176	37	rather	rather	ADV
afbr-600	176	38	local	local	ADJ
afbr-600	176	39	sourcing	sourcing	NOUN
afbr-600	176	40	of	of	ADP
afbr-600	176	41	raw	raw	ADJ
afbr-600	176	42	materials	material	NOUN
afbr-600	176	43	should	should	AUX
afbr-600	176	44	be	be	AUX
afbr-600	176	45	encouraged	encourage	VERB
afbr-600	176	46	to	to	PART
afbr-600	176	47	reduce	reduce	VERB
afbr-600	176	48	the	the	DET
afbr-600	176	49	pressure	pressure	NOUN
afbr-600	176	50	on	on	ADP
afbr-600	176	51	exchange	exchange	NOUN
afbr-600	176	52	rate	rate	NOUN
afbr-600	176	53	.	.	PUNCT
afbr-600	177	1	d’pola	d’pola	PROPN
afbr-600	177	2	,	,	PUNCT
afbr-600	177	3	and	and	CCONJ
afbr-600	177	4	touk	touk	PROPN
afbr-600	177	5	,	,	PUNCT
afbr-600	177	6	(	(	PUNCT
afbr-600	177	7	2016	2016	NUM
afbr-600	177	8	)	)	PUNCT
afbr-600	177	9	empirically	empirically	ADV
afbr-600	177	10	examine	examine	VERB
afbr-600	177	11	the	the	DET
afbr-600	177	12	impact	impact	NOUN
afbr-600	177	13	of	of	ADP
afbr-600	177	14	commercial	commercial	ADJ
afbr-600	177	15	bank	bank	NOUN
afbr-600	177	16	credit	credit	NOUN
afbr-600	177	17	on	on	ADP
afbr-600	177	18	the	the	DET
afbr-600	177	19	performance	performance	NOUN
afbr-600	177	20	of	of	ADP
afbr-600	177	21	small	small	ADJ
afbr-600	177	22	and	and	CCONJ
afbr-600	177	23	medium	medium	ADJ
afbr-600	177	24	size	size	NOUN
afbr-600	177	25	enterprises	enterprise	NOUN
afbr-600	177	26	(	(	PUNCT
afbr-600	177	27	smes	sme	NOUN
afbr-600	177	28	)	)	PUNCT
afbr-600	177	29	in	in	ADP
afbr-600	177	30	cameroon	cameroon	NOUN
afbr-600	177	31	between	between	ADP
afbr-600	177	32	1980	1980	NUM
afbr-600	177	33	and	and	CCONJ
afbr-600	177	34	2014	2014	NUM
afbr-600	177	35	using	use	VERB
afbr-600	177	36	ordinary	ordinary	ADJ
afbr-600	177	37	least	least	ADJ
afbr-600	177	38	square	square	ADJ
afbr-600	177	39	(	(	PUNCT
afbr-600	177	40	ols	ol	NOUN
afbr-600	177	41	)	)	PUNCT
afbr-600	177	42	method	method	NOUN
afbr-600	177	43	to	to	PART
afbr-600	177	44	estimate	estimate	VERB
afbr-600	177	45	the	the	DET
afbr-600	177	46	multiple	multiple	ADJ
afbr-600	177	47	regression	regression	NOUN
afbr-600	177	48	model	model	NOUN
afbr-600	177	49	.	.	PUNCT
afbr-600	178	1	the	the	DET
afbr-600	178	2	study	study	NOUN
afbr-600	178	3	use	use	VERB
afbr-600	178	4	smes	sme	NOUN
afbr-600	178	5	output	output	NOUN
afbr-600	178	6	as	as	SCONJ
afbr-600	178	7	approximated	approximate	VERB
afbr-600	178	8	by	by	ADP
afbr-600	178	9	wholesale	wholesale	ADJ
afbr-600	178	10	and	and	CCONJ
afbr-600	178	11	retail	retail	ADJ
afbr-600	178	12	trade	trade	NOUN
afbr-600	178	13	output	output	NOUN
afbr-600	178	14	as	as	ADP
afbr-600	178	15	a	a	DET
afbr-600	178	16	component	component	NOUN
afbr-600	178	17	of	of	ADP
afbr-600	178	18	the	the	DET
afbr-600	178	19	gdp	gdp	NOUN
afbr-600	178	20	.	.	PUNCT
afbr-600	179	1	the	the	DET
afbr-600	179	2	results	result	NOUN
afbr-600	179	3	revealed	reveal	VERB
afbr-600	179	4	that	that	SCONJ
afbr-600	179	5	commercial	commercial	ADJ
afbr-600	179	6	bank	bank	NOUN
afbr-600	179	7	credit	credit	NOUN
afbr-600	179	8	and	and	CCONJ
afbr-600	179	9	real	real	ADJ
afbr-600	179	10	interest	interest	NOUN
afbr-600	179	11	rate	rate	NOUN
afbr-600	179	12	have	have	VERB
afbr-600	179	13	a	a	DET
afbr-600	179	14	negative	negative	ADJ
afbr-600	179	15	and	and	CCONJ
afbr-600	179	16	significant	significant	ADJ
afbr-600	179	17	impact	impact	NOUN
afbr-600	179	18	on	on	ADP
afbr-600	179	19	the	the	DET
afbr-600	179	20	performance	performance	NOUN
afbr-600	179	21	of	of	ADP
afbr-600	179	22	smes	sme	NOUN
afbr-600	179	23	in	in	ADP
afbr-600	179	24	cameroon	cameroon	PROPN
afbr-600	179	25	.	.	PUNCT
afbr-600	180	1	sesay	sesay	PROPN
afbr-600	180	2	and	and	CCONJ
afbr-600	180	3	abdulai	abdulai	PROPN
afbr-600	180	4	(	(	PUNCT
afbr-600	180	5	2017	2017	NUM
afbr-600	180	6	)	)	PUNCT
afbr-600	180	7	empirically	empirically	ADV
afbr-600	180	8	investigate	investigate	VERB
afbr-600	180	9	monetary	monetary	ADJ
afbr-600	180	10	policy	policy	NOUN
afbr-600	180	11	effects	effect	NOUN
afbr-600	180	12	on	on	ADP
afbr-600	180	13	private	private	ADJ
afbr-600	180	14	sector	sector	NOUN
afbr-600	180	15	investment	investment	NOUN
afbr-600	180	16	in	in	ADP
afbr-600	180	17	sierra	sierra	PROPN
afbr-600	180	18	leone	leone	PROPN
afbr-600	180	19	.	.	PUNCT
afbr-600	181	1	the	the	DET
afbr-600	181	2	study	study	NOUN
afbr-600	181	3	examines	examine	VERB
afbr-600	181	4	the	the	DET
afbr-600	181	5	rate	rate	NOUN
afbr-600	181	6	at	at	ADP
afbr-600	181	7	which	which	PRON
afbr-600	181	8	changes	change	NOUN
afbr-600	181	9	in	in	ADP
afbr-600	181	10	monetary	monetary	ADJ
afbr-600	181	11	policy	policy	NOUN
afbr-600	181	12	in	in	ADP
afbr-600	181	13	sierra	sierra	PROPN
afbr-600	181	14	leone	leone	PROPN
afbr-600	181	15	has	have	AUX
afbr-600	181	16	affected	affect	VERB
afbr-600	181	17	the	the	DET
afbr-600	181	18	behavior	behavior	NOUN
afbr-600	181	19	of	of	ADP
afbr-600	181	20	private	private	ADJ
afbr-600	181	21	sector	sector	NOUN
afbr-600	181	22	investments	investment	NOUN
afbr-600	181	23	,	,	PUNCT
afbr-600	181	24	theories	theory	NOUN
afbr-600	181	25	and	and	CCONJ
afbr-600	181	26	empirical	empirical	ADJ
afbr-600	181	27	studies	study	NOUN
afbr-600	181	28	are	be	AUX
afbr-600	181	29	reviewed	review	VERB
afbr-600	181	30	in	in	ADP
afbr-600	181	31	a	a	DET
afbr-600	181	32	way	way	NOUN
afbr-600	181	33	to	to	PART
afbr-600	181	34	identify	identify	VERB
afbr-600	181	35	a	a	DET
afbr-600	181	36	suitable	suitable	ADJ
afbr-600	181	37	model	model	NOUN
afbr-600	181	38	for	for	ADP
afbr-600	181	39	private	private	ADJ
afbr-600	181	40	sector	sector	NOUN
afbr-600	181	41	investment	investment	NOUN
afbr-600	181	42	for	for	ADP
afbr-600	181	43	the	the	DET
afbr-600	181	44	period	period	NOUN
afbr-600	181	45	1980	1980	NUM
afbr-600	181	46	-	-	SYM
afbr-600	181	47	2014	2014	NUM
afbr-600	181	48	using	use	VERB
afbr-600	181	49	recent	recent	ADJ
afbr-600	181	50	econometric	econometric	ADJ
afbr-600	181	51	techniques	technique	NOUN
afbr-600	181	52	(	(	PUNCT
afbr-600	181	53	ols	ol	NOUN
afbr-600	181	54	,	,	PUNCT
afbr-600	181	55	vecm	vecm	NOUN
afbr-600	181	56	,	,	PUNCT
afbr-600	181	57	var	var	PROPN
afbr-600	181	58	)	)	PUNCT
afbr-600	181	59	.	.	PUNCT
afbr-600	182	1	results	result	NOUN
afbr-600	182	2	of	of	ADP
afbr-600	182	3	the	the	DET
afbr-600	182	4	findings	finding	NOUN
afbr-600	182	5	suggest	suggest	VERB
afbr-600	182	6	that	that	SCONJ
afbr-600	182	7	money	money	NOUN
afbr-600	182	8	supply	supply	NOUN
afbr-600	182	9	and	and	CCONJ
afbr-600	182	10	gross	gross	ADJ
afbr-600	182	11	domestic	domestic	ADJ
afbr-600	182	12	saving	saving	NOUN
afbr-600	182	13	exert	exert	VERB
afbr-600	182	14	positive	positive	ADJ
afbr-600	182	15	and	and	CCONJ
afbr-600	182	16	statistically	statistically	ADV
afbr-600	182	17	significant	significant	ADJ
afbr-600	182	18	effect	effect	NOUN
afbr-600	182	19	on	on	ADP
afbr-600	182	20	private	private	ADJ
afbr-600	182	21	sector	sector	NOUN
afbr-600	182	22	investments	investment	NOUN
afbr-600	182	23	whereas	whereas	SCONJ
afbr-600	182	24	treasury	treasury	PROPN
afbr-600	182	25	bill	bill	NOUN
afbr-600	182	26	rate	rate	NOUN
afbr-600	182	27	,	,	PUNCT
afbr-600	182	28	inflation	inflation	NOUN
afbr-600	182	29	and	and	CCONJ
afbr-600	182	30	gross	gross	ADJ
afbr-600	182	31	domestic	domestic	ADJ
afbr-600	182	32	debt	debt	NOUN
afbr-600	182	33	exert	exert	VERB
afbr-600	182	34	a	a	DET
afbr-600	182	35	negative	negative	ADJ
afbr-600	182	36	effect	effect	NOUN
afbr-600	182	37	.	.	PUNCT
afbr-600	183	1	an	an	DET
afbr-600	183	2	important	important	ADJ
afbr-600	183	3	policy	policy	NOUN
afbr-600	183	4	implication	implication	NOUN
afbr-600	183	5	emerging	emerge	VERB
afbr-600	183	6	from	from	ADP
afbr-600	183	7	this	this	DET
afbr-600	183	8	study	study	NOUN
afbr-600	183	9	is	be	AUX
afbr-600	183	10	to	to	PART
afbr-600	183	11	facilitate	facilitate	VERB
afbr-600	183	12	the	the	DET
afbr-600	183	13	establishment	establishment	NOUN
afbr-600	183	14	of	of	ADP
afbr-600	183	15	financial	financial	ADJ
afbr-600	183	16	institutions	institution	NOUN
afbr-600	183	17	to	to	PART
afbr-600	183	18	increase	increase	VERB
afbr-600	183	19	credit	credit	NOUN
afbr-600	183	20	delivery	delivery	NOUN
afbr-600	183	21	to	to	ADP
afbr-600	183	22	the	the	DET
afbr-600	183	23	private	private	ADJ
afbr-600	183	24	sector	sector	NOUN
afbr-600	183	25	so	so	SCONJ
afbr-600	183	26	as	as	SCONJ
afbr-600	183	27	to	to	PART
afbr-600	183	28	enhance	enhance	VERB
afbr-600	183	29	private	private	ADJ
afbr-600	183	30	investment	investment	NOUN
afbr-600	183	31	.	.	PUNCT
afbr-600	184	1	joão	joão	PROPN
afbr-600	184	2	,	,	PUNCT
afbr-600	184	3	barroso	barroso	PROPN
afbr-600	184	4	and	and	CCONJ
afbr-600	184	5	gonzalez	gonzalez	PROPN
afbr-600	184	6	(	(	PUNCT
afbr-600	184	7	2017	2017	NUM
afbr-600	184	8	)	)	PUNCT
afbr-600	184	9	estimated	estimate	VERB
afbr-600	184	10	the	the	DET
afbr-600	184	11	impact	impact	NOUN
afbr-600	184	12	of	of	ADP
afbr-600	184	13	reserve	reserve	NOUN
afbr-600	184	14	requirements	requirement	NOUN
afbr-600	184	15	(	(	PUNCT
afbr-600	184	16	rr	rr	NOUN
afbr-600	184	17	)	)	PUNCT
afbr-600	184	18	on	on	ADP
afbr-600	184	19	credit	credit	NOUN
afbr-600	184	20	supply	supply	NOUN
afbr-600	184	21	in	in	ADP
afbr-600	184	22	brazil	brazil	PROPN
afbr-600	184	23	exploring	explore	VERB
afbr-600	184	24	a	a	DET
afbr-600	184	25	large	large	ADJ
afbr-600	184	26	loan	loan	NOUN
afbr-600	184	27	-	-	PUNCT
afbr-600	184	28	level	level	NOUN
afbr-600	184	29	dataset	dataset	NOUN
afbr-600	184	30	.	.	PUNCT
afbr-600	185	1	the	the	DET
afbr-600	185	2	authors	author	NOUN
afbr-600	185	3	used	use	VERB
afbr-600	185	4	a	a	DET
afbr-600	185	5	difference	difference	NOUN
afbr-600	185	6	-	-	PUNCT
afbr-600	185	7	in	in	ADP
afbr-600	185	8	-	-	PUNCT
afbr-600	185	9	difference	difference	NOUN
afbr-600	185	10	strategy	strategy	NOUN
afbr-600	185	11	,	,	PUNCT
afbr-600	185	12	first	first	ADV
afbr-600	185	13	in	in	ADP
afbr-600	185	14	a	a	DET
afbr-600	185	15	long	long	ADJ
afbr-600	185	16	panel	panel	NOUN
afbr-600	185	17	,	,	PUNCT
afbr-600	185	18	then	then	ADV
afbr-600	185	19	in	in	ADP
afbr-600	185	20	a	a	DET
afbr-600	185	21	cross	cross	NOUN
afbr-600	185	22	-	-	NOUN
afbr-600	185	23	section	section	NOUN
afbr-600	185	24	.	.	PUNCT
afbr-600	186	1	in	in	ADP
afbr-600	186	2	the	the	DET
afbr-600	186	3	first	first	ADJ
afbr-600	186	4	case	case	NOUN
afbr-600	186	5	,	,	PUNCT
afbr-600	186	6	they	they	PRON
afbr-600	186	7	estimate	estimate	VERB
afbr-600	186	8	the	the	DET
afbr-600	186	9	average	average	ADJ
afbr-600	186	10	effect	effect	NOUN
afbr-600	186	11	on	on	ADP
afbr-600	186	12	credit	credit	NOUN
afbr-600	186	13	supply	supply	NOUN
afbr-600	186	14	of	of	ADP
afbr-600	186	15	several	several	ADJ
afbr-600	186	16	changes	change	NOUN
afbr-600	186	17	in	in	ADP
afbr-600	186	18	rr	rr	PROPN
afbr-600	186	19	from	from	ADP
afbr-600	186	20	2008	2008	NUM
afbr-600	186	21	to	to	ADP
afbr-600	186	22	2015	2015	NUM
afbr-600	186	23	using	use	VERB
afbr-600	186	24	a	a	DET
afbr-600	186	25	macro	macro	ADJ
afbr-600	186	26	prudential	prudential	ADJ
afbr-600	186	27	policy	policy	NOUN
afbr-600	186	28	index	index	NOUN
afbr-600	186	29	.	.	PUNCT
afbr-600	187	1	in	in	ADP
afbr-600	187	2	the	the	DET
afbr-600	187	3	second	second	NOUN
afbr-600	187	4	,	,	PUNCT
afbr-600	187	5	they	they	PRON
afbr-600	187	6	use	use	VERB
afbr-600	187	7	the	the	DET
afbr-600	187	8	bank	bank	NOUN
afbr-600	187	9	-	-	PUNCT
afbr-600	187	10	specific	specific	ADJ
afbr-600	187	11	regulatory	regulatory	ADJ
afbr-600	187	12	change	change	NOUN
afbr-600	187	13	to	to	PART
afbr-600	187	14	estimate	estimate	VERB
afbr-600	187	15	credit	credit	NOUN
afbr-600	187	16	supply	supply	NOUN
afbr-600	187	17	responses	response	NOUN
afbr-600	187	18	from	from	ADP
afbr-600	187	19	(	(	PUNCT
afbr-600	187	20	1	1	X
afbr-600	187	21	)	)	PUNCT
afbr-600	187	22	a	a	DET
afbr-600	187	23	countercyclical	countercyclical	ADJ
afbr-600	187	24	easing	ease	VERB
afbr-600	187	25	policy	policy	NOUN
afbr-600	187	26	implemented	implement	VERB
afbr-600	187	27	to	to	PART
afbr-600	187	28	alleviate	alleviate	VERB
afbr-600	187	29	a	a	DET
afbr-600	187	30	credit	credit	NOUN
afbr-600	187	31	crunch	crunch	NOUN
afbr-600	187	32	in	in	ADP
afbr-600	187	33	the	the	DET
afbr-600	187	34	aftermath	aftermath	NOUN
afbr-600	187	35	of	of	ADP
afbr-600	187	36	the	the	DET
afbr-600	187	37	2008	2008	NUM
afbr-600	187	38	global	global	ADJ
afbr-600	187	39	crisis	crisis	NOUN
afbr-600	187	40	;	;	PUNCT
afbr-600	187	41	and	and	CCONJ
afbr-600	187	42	(	(	PUNCT
afbr-600	187	43	2	2	NUM
afbr-600	187	44	)	)	PUNCT
afbr-600	187	45	from	from	ADP
afbr-600	187	46	its	its	PRON
afbr-600	187	47	related	related	ADJ
afbr-600	187	48	tightening	tightening	NOUN
afbr-600	187	49	,	,	PUNCT
afbr-600	187	50	findings	finding	NOUN
afbr-600	187	51	show	show	VERB
afbr-600	187	52	evidence	evidence	NOUN
afbr-600	187	53	of	of	ADP
afbr-600	187	54	a	a	DET
afbr-600	187	55	lending	lending	NOUN
afbr-600	187	56	channel	channel	NOUN
afbr-600	187	57	where	where	SCONJ
afbr-600	187	58	more	more	ADJ
afbr-600	187	59	liquid	liquid	ADJ
afbr-600	187	60	banks	bank	NOUN
afbr-600	187	61	mitigate	mitigate	VERB
afbr-600	187	62	rr	rr	NOUN
afbr-600	187	63	policy	policy	NOUN
afbr-600	187	64	.	.	PUNCT
afbr-600	188	1	exploring	explore	VERB
afbr-600	188	2	the	the	DET
afbr-600	188	3	two	two	NUM
afbr-600	188	4	phases	phase	NOUN
afbr-600	188	5	of	of	ADP
afbr-600	188	6	countercyclical	countercyclical	ADJ
afbr-600	188	7	policy	policy	NOUN
afbr-600	188	8	,	,	PUNCT
afbr-600	188	9	they	they	PRON
afbr-600	188	10	found	find	VERB
afbr-600	188	11	that	that	SCONJ
afbr-600	188	12	the	the	DET
afbr-600	188	13	easing	easing	NOUN
afbr-600	188	14	impacted	impact	VERB
afbr-600	188	15	the	the	DET
afbr-600	188	16	lending	lending	NOUN
afbr-600	188	17	channel	channel	NOUN
afbr-600	188	18	on	on	ADP
afbr-600	188	19	average	average	ADJ
afbr-600	188	20	two	two	NUM
afbr-600	188	21	times	time	NOUN
afbr-600	188	22	more	more	ADJ
afbr-600	188	23	than	than	ADP
afbr-600	188	24	the	the	DET
afbr-600	188	25	tightening	tightening	NOUN
afbr-600	188	26	.	.	PUNCT
afbr-600	189	1	foreign	foreign	ADJ
afbr-600	189	2	and	and	CCONJ
afbr-600	189	3	small	small	ADJ
afbr-600	189	4	banks	bank	NOUN
afbr-600	189	5	mitigate	mitigate	VERB
afbr-600	189	6	these	these	DET
afbr-600	189	7	effects	effect	NOUN
afbr-600	189	8	and	and	CCONJ
afbr-600	189	9	banks	bank	NOUN
afbr-600	189	10	are	be	AUX
afbr-600	189	11	prone	prone	ADJ
afbr-600	189	12	to	to	PART
afbr-600	189	13	lend	lend	VERB
afbr-600	189	14	less	less	ADJ
afbr-600	189	15	to	to	ADP
afbr-600	189	16	riskier	risky	ADJ
afbr-600	189	17	firms	firm	NOUN
afbr-600	189	18	.	.	PUNCT
afbr-600	190	1	copyright	copyright	NOUN
afbr-600	190	2	©	©	PROPN
afbr-600	190	3	cc	cc	PROPN
afbr-600	190	4	-	-	PUNCT
afbr-600	190	5	by	by	ADP
afbr-600	190	6	-	-	PUNCT
afbr-600	190	7	nc	nc	PROPN
afbr-600	190	8	2019	2019	NUM
afbr-600	190	9	,	,	PUNCT
afbr-600	190	10	cribfb	cribfb	PROPN
afbr-600	190	11	|	|	ADV
afbr-600	190	12	afbr	afbr	PROPN
afbr-600	190	13	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	190	14	australian	australian	ADJ
afbr-600	190	15	finance	finance	PROPN
afbr-600	190	16	&	&	CCONJ
afbr-600	190	17	banking	banking	PROPN
afbr-600	190	18	review	review	PROPN
afbr-600	190	19	vol	vol	NOUN
afbr-600	190	20	.	.	PROPN
afbr-600	191	1	4	4	NUM
afbr-600	191	2	,	,	PUNCT
afbr-600	191	3	no	no	INTJ
afbr-600	191	4	.	.	NOUN
afbr-600	191	5	1	1	NUM
afbr-600	191	6	;	;	PUNCT
afbr-600	191	7	2020	2020	NUM
afbr-600	191	8	24	24	NUM
afbr-600	191	9	adeniyi1	adeniyi1	PROPN
afbr-600	191	10	,	,	PUNCT
afbr-600	191	11	adeyemi	adeyemi	ADV
afbr-600	191	12	,	,	PUNCT
afbr-600	191	13	salawudeen	salawudeen	NOUN
afbr-600	191	14	and	and	CCONJ
afbr-600	191	15	fagbemi	fagbemi	PROPN
afbr-600	191	16	(	(	PUNCT
afbr-600	191	17	2018	2018	NUM
afbr-600	191	18	)	)	PUNCT
afbr-600	191	19	investigated	investigate	VERB
afbr-600	191	20	the	the	DET
afbr-600	191	21	relationship	relationship	NOUN
afbr-600	191	22	that	that	PRON
afbr-600	191	23	exists	exist	VERB
afbr-600	191	24	between	between	ADP
afbr-600	191	25	monetary	monetary	ADJ
afbr-600	191	26	policy	policy	NOUN
afbr-600	191	27	instruments	instrument	NOUN
afbr-600	191	28	and	and	CCONJ
afbr-600	191	29	deposit	deposit	VERB
afbr-600	191	30	money	money	NOUN
afbr-600	191	31	banks	bank	NOUN
afbr-600	191	32	loans	loan	NOUN
afbr-600	191	33	and	and	CCONJ
afbr-600	191	34	advances	advance	NOUN
afbr-600	191	35	in	in	ADP
afbr-600	191	36	nigeria	nigeria	PROPN
afbr-600	191	37	.	.	PUNCT
afbr-600	192	1	annual	annual	ADJ
afbr-600	192	2	time	time	NOUN
afbr-600	192	3	series	series	PROPN
afbr-600	192	4	data	datum	NOUN
afbr-600	192	5	covering	cover	VERB
afbr-600	192	6	a	a	DET
afbr-600	192	7	period	period	NOUN
afbr-600	192	8	from	from	ADP
afbr-600	192	9	19812016	19812016	NUM
afbr-600	192	10	were	be	AUX
afbr-600	192	11	used	use	VERB
afbr-600	192	12	and	and	CCONJ
afbr-600	192	13	the	the	DET
afbr-600	192	14	toda	toda	PROPN
afbr-600	192	15	and	and	CCONJ
afbr-600	192	16	yamamoto	yamamoto	PROPN
afbr-600	192	17	granger	granger	PROPN
afbr-600	192	18	non	non	PROPN
afbr-600	192	19	-	-	ADJ
afbr-600	192	20	causality	causality	ADJ
afbr-600	192	21	model	model	NOUN
afbr-600	192	22	was	be	AUX
afbr-600	192	23	employ	employ	NOUN
afbr-600	192	24	to	to	PART
afbr-600	192	25	examine	examine	VERB
afbr-600	192	26	the	the	DET
afbr-600	192	27	relationship	relationship	NOUN
afbr-600	192	28	existing	exist	VERB
afbr-600	192	29	between	between	ADP
afbr-600	192	30	deposit	deposit	NOUN
afbr-600	192	31	money	money	NOUN
afbr-600	192	32	banks	bank	NOUN
afbr-600	192	33	loan	loan	NOUN
afbr-600	192	34	and	and	CCONJ
afbr-600	192	35	advances	advance	NOUN
afbr-600	192	36	and	and	CCONJ
afbr-600	192	37	monetary	monetary	ADJ
afbr-600	192	38	policy	policy	NOUN
afbr-600	192	39	variables	variable	NOUN
afbr-600	192	40	in	in	ADP
afbr-600	192	41	nigeria	nigeria	PROPN
afbr-600	192	42	.	.	PUNCT
afbr-600	193	1	findings	finding	NOUN
afbr-600	193	2	revealed	reveal	VERB
afbr-600	193	3	that	that	SCONJ
afbr-600	193	4	structural	structural	ADJ
afbr-600	193	5	changes	change	NOUN
afbr-600	193	6	in	in	ADP
afbr-600	193	7	monetary	monetary	ADJ
afbr-600	193	8	policy	policy	NOUN
afbr-600	193	9	system	system	NOUN
afbr-600	193	10	exerted	exert	VERB
afbr-600	193	11	positive	positive	ADJ
afbr-600	193	12	significant	significant	ADJ
afbr-600	193	13	impact	impact	NOUN
afbr-600	193	14	on	on	ADP
afbr-600	193	15	loan	loan	NOUN
afbr-600	193	16	and	and	CCONJ
afbr-600	193	17	advances	advance	NOUN
afbr-600	193	18	of	of	ADP
afbr-600	193	19	deposit	deposit	NOUN
afbr-600	193	20	money	money	NOUN
afbr-600	193	21	banks	bank	NOUN
afbr-600	193	22	in	in	ADP
afbr-600	193	23	nigeria	nigeria	PROPN
afbr-600	193	24	.	.	PUNCT
afbr-600	194	1	findings	finding	NOUN
afbr-600	194	2	also	also	ADV
afbr-600	194	3	revealed	reveal	VERB
afbr-600	194	4	bidirectional	bidirectional	ADJ
afbr-600	194	5	relationship	relationship	NOUN
afbr-600	194	6	existing	exist	VERB
afbr-600	194	7	between	between	ADP
afbr-600	194	8	mpr	mpr	NOUN
afbr-600	194	9	and	and	CCONJ
afbr-600	194	10	loan	loan	NOUN
afbr-600	194	11	and	and	CCONJ
afbr-600	194	12	advances	advance	NOUN
afbr-600	194	13	of	of	ADP
afbr-600	194	14	deposit	deposit	NOUN
afbr-600	194	15	money	money	NOUN
afbr-600	194	16	banks	bank	NOUN
afbr-600	194	17	in	in	ADP
afbr-600	194	18	nigeria	nigeria	PROPN
afbr-600	194	19	.	.	PUNCT
afbr-600	195	1	precisely	precisely	ADV
afbr-600	195	2	,	,	PUNCT
afbr-600	195	3	mpr	mpr	PROPN
afbr-600	195	4	proved	prove	VERB
afbr-600	195	5	to	to	PART
afbr-600	195	6	be	be	AUX
afbr-600	195	7	a	a	DET
afbr-600	195	8	significant	significant	ADJ
afbr-600	195	9	variable	variable	NOUN
afbr-600	195	10	which	which	PRON
afbr-600	195	11	causes	cause	VERB
afbr-600	195	12	deposit	deposit	NOUN
afbr-600	195	13	money	money	NOUN
afbr-600	195	14	bank	bank	NOUN
afbr-600	195	15	loans	loan	NOUN
afbr-600	195	16	and	and	CCONJ
afbr-600	195	17	advances	advance	NOUN
afbr-600	195	18	in	in	ADP
afbr-600	195	19	nigeria	nigeria	PROPN
afbr-600	195	20	.	.	PUNCT
afbr-600	196	1	other	other	ADJ
afbr-600	196	2	explanatory	explanatory	ADJ
afbr-600	196	3	variables	variable	NOUN
afbr-600	196	4	(	(	PUNCT
afbr-600	196	5	broad	broad	ADJ
afbr-600	196	6	money	money	NOUN
afbr-600	196	7	supply	supply	NOUN
afbr-600	196	8	,	,	PUNCT
afbr-600	196	9	liquidity	liquidity	NOUN
afbr-600	196	10	ratio	ratio	NOUN
afbr-600	196	11	,	,	PUNCT
afbr-600	196	12	inflation	inflation	NOUN
afbr-600	196	13	rate	rate	NOUN
afbr-600	196	14	and	and	CCONJ
afbr-600	196	15	cash	cash	NOUN
afbr-600	196	16	reserve	reserve	NOUN
afbr-600	196	17	ratio	ratio	NOUN
afbr-600	196	18	does	do	AUX
afbr-600	196	19	not	not	PART
afbr-600	196	20	granger	granger	AUX
afbr-600	196	21	cause	cause	VERB
afbr-600	196	22	loan	loan	NOUN
afbr-600	196	23	and	and	CCONJ
afbr-600	196	24	advances	advance	NOUN
afbr-600	196	25	of	of	ADP
afbr-600	196	26	deposit	deposit	NOUN
afbr-600	196	27	money	money	NOUN
afbr-600	196	28	banks	bank	NOUN
afbr-600	196	29	in	in	ADP
afbr-600	196	30	nigeria	nigeria	PROPN
afbr-600	196	31	within	within	ADP
afbr-600	196	32	the	the	DET
afbr-600	196	33	study	study	NOUN
afbr-600	196	34	period	period	NOUN
afbr-600	196	35	.	.	PUNCT
afbr-600	197	1	it	it	PRON
afbr-600	197	2	concluded	conclude	VERB
afbr-600	197	3	that	that	SCONJ
afbr-600	197	4	the	the	DET
afbr-600	197	5	structural	structural	ADJ
afbr-600	197	6	change	change	NOUN
afbr-600	197	7	in	in	ADP
afbr-600	197	8	monetary	monetary	ADJ
afbr-600	197	9	policy	policy	NOUN
afbr-600	197	10	system	system	NOUN
afbr-600	197	11	and	and	CCONJ
afbr-600	197	12	monetary	monetary	ADJ
afbr-600	197	13	policy	policy	NOUN
afbr-600	197	14	rate	rate	NOUN
afbr-600	197	15	have	have	VERB
afbr-600	197	16	significant	significant	ADJ
afbr-600	197	17	impact	impact	NOUN
afbr-600	197	18	on	on	ADP
afbr-600	197	19	loan	loan	NOUN
afbr-600	197	20	and	and	CCONJ
afbr-600	197	21	advances	advance	NOUN
afbr-600	197	22	of	of	ADP
afbr-600	197	23	deposit	deposit	NOUN
afbr-600	197	24	money	money	NOUN
afbr-600	197	25	banks	bank	NOUN
afbr-600	197	26	in	in	ADP
afbr-600	197	27	nigeria	nigeria	PROPN
afbr-600	197	28	.	.	PUNCT
afbr-600	198	1	ogolo	ogolo	PROPN
afbr-600	198	2	(	(	PUNCT
afbr-600	198	3	2018	2018	NUM
afbr-600	198	4	)	)	PUNCT
afbr-600	198	5	empirically	empirically	ADV
afbr-600	198	6	examined	examine	VERB
afbr-600	198	7	the	the	DET
afbr-600	198	8	effects	effect	NOUN
afbr-600	198	9	of	of	ADP
afbr-600	198	10	monetary	monetary	ADJ
afbr-600	198	11	policy	policy	NOUN
afbr-600	198	12	on	on	ADP
afbr-600	198	13	commercial	commercial	ADJ
afbr-600	198	14	banks	bank	NOUN
afbr-600	198	15	’	'	PUNCT
afbr-600	198	16	lending	lending	NOUN
afbr-600	198	17	to	to	ADP
afbr-600	198	18	the	the	DET
afbr-600	198	19	real	real	ADJ
afbr-600	198	20	sector	sector	NOUN
afbr-600	198	21	from	from	ADP
afbr-600	198	22	19812014	19812014	NUM
afbr-600	198	23	using	use	VERB
afbr-600	198	24	multiple	multiple	ADJ
afbr-600	198	25	regression	regression	NOUN
afbr-600	198	26	models	model	NOUN
afbr-600	198	27	aided	aid	VERB
afbr-600	198	28	by	by	ADP
afbr-600	198	29	software	software	NOUN
afbr-600	198	30	package	package	NOUN
afbr-600	198	31	for	for	ADP
afbr-600	198	32	social	social	ADJ
afbr-600	198	33	sciences	science	NOUN
afbr-600	198	34	.	.	PUNCT
afbr-600	199	1	the	the	DET
afbr-600	199	2	study	study	NOUN
afbr-600	199	3	modeled	model	VERB
afbr-600	199	4	commercial	commercial	ADJ
afbr-600	199	5	banks	bank	NOUN
afbr-600	199	6	credit	credit	NOUN
afbr-600	199	7	to	to	ADP
afbr-600	199	8	agricultural	agricultural	ADJ
afbr-600	199	9	and	and	CCONJ
afbr-600	199	10	manufacturing	manufacturing	NOUN
afbr-600	199	11	sector	sector	NOUN
afbr-600	199	12	as	as	ADP
afbr-600	199	13	the	the	DET
afbr-600	199	14	function	function	NOUN
afbr-600	199	15	of	of	ADP
afbr-600	199	16	interest	interest	NOUN
afbr-600	199	17	rate	rate	NOUN
afbr-600	199	18	,	,	PUNCT
afbr-600	199	19	monetary	monetary	ADJ
afbr-600	199	20	policy	policy	NOUN
afbr-600	199	21	rate	rate	NOUN
afbr-600	199	22	,	,	PUNCT
afbr-600	199	23	treasury	treasury	PROPN
afbr-600	199	24	bill	bill	NOUN
afbr-600	199	25	rate	rate	NOUN
afbr-600	199	26	,	,	PUNCT
afbr-600	199	27	exchange	exchange	NOUN
afbr-600	199	28	rate	rate	NOUN
afbr-600	199	29	,	,	PUNCT
afbr-600	199	30	broad	broad	ADJ
afbr-600	199	31	money	money	NOUN
afbr-600	199	32	supply	supply	NOUN
afbr-600	199	33	and	and	CCONJ
afbr-600	199	34	liquidity	liquidity	NOUN
afbr-600	199	35	ratio	ratio	NOUN
afbr-600	199	36	.	.	PUNCT
afbr-600	200	1	the	the	DET
afbr-600	200	2	regression	regression	NOUN
afbr-600	200	3	results	result	VERB
afbr-600	200	4	from	from	ADP
afbr-600	200	5	model	model	NOUN
afbr-600	200	6	one	one	NUM
afbr-600	200	7	found	find	VERB
afbr-600	200	8	that	that	SCONJ
afbr-600	200	9	interest	interest	NOUN
afbr-600	200	10	rate	rate	NOUN
afbr-600	200	11	,	,	PUNCT
afbr-600	200	12	monetary	monetary	ADJ
afbr-600	200	13	policy	policy	NOUN
afbr-600	200	14	rate	rate	NOUN
afbr-600	200	15	have	have	VERB
afbr-600	200	16	positive	positive	ADJ
afbr-600	200	17	relationship	relationship	NOUN
afbr-600	200	18	with	with	ADP
afbr-600	200	19	commercial	commercial	ADJ
afbr-600	200	20	banks	bank	NOUN
afbr-600	200	21	’	’	PART
afbr-600	200	22	lending	lending	NOUN
afbr-600	200	23	to	to	ADP
afbr-600	200	24	the	the	DET
afbr-600	200	25	agricultural	agricultural	ADJ
afbr-600	200	26	sector	sector	NOUN
afbr-600	200	27	while	while	SCONJ
afbr-600	200	28	treasury	treasury	PROPN
afbr-600	200	29	bill	bill	PROPN
afbr-600	200	30	rate	rate	NOUN
afbr-600	200	31	,	,	PUNCT
afbr-600	200	32	exchange	exchange	NOUN
afbr-600	200	33	rate	rate	NOUN
afbr-600	200	34	,	,	PUNCT
afbr-600	200	35	broad	broad	ADJ
afbr-600	200	36	money	money	NOUN
afbr-600	200	37	supply	supply	NOUN
afbr-600	200	38	and	and	CCONJ
afbr-600	200	39	liquidity	liquidity	NOUN
afbr-600	200	40	ratio	ratio	NOUN
afbr-600	200	41	have	have	VERB
afbr-600	200	42	negative	negative	ADJ
afbr-600	200	43	effect	effect	NOUN
afbr-600	200	44	on	on	ADP
afbr-600	200	45	the	the	DET
afbr-600	200	46	dependent	dependent	ADJ
afbr-600	200	47	variable	variable	NOUN
afbr-600	200	48	.	.	PUNCT
afbr-600	201	1	model	model	NOUN
afbr-600	201	2	two	two	NUM
afbr-600	201	3	found	find	VERB
afbr-600	201	4	that	that	SCONJ
afbr-600	201	5	interest	interest	NOUN
afbr-600	201	6	rate	rate	NOUN
afbr-600	201	7	,	,	PUNCT
afbr-600	201	8	treasury	treasury	PROPN
afbr-600	201	9	bill	bill	NOUN
afbr-600	201	10	rate	rate	NOUN
afbr-600	201	11	,	,	PUNCT
afbr-600	201	12	exchange	exchange	NOUN
afbr-600	201	13	rate	rate	NOUN
afbr-600	201	14	,	,	PUNCT
afbr-600	201	15	broad	broad	ADJ
afbr-600	201	16	money	money	NOUN
afbr-600	201	17	supply	supply	NOUN
afbr-600	201	18	and	and	CCONJ
afbr-600	201	19	liquidity	liquidity	NOUN
afbr-600	201	20	ratio	ratio	NOUN
afbr-600	201	21	have	have	VERB
afbr-600	201	22	negative	negative	ADJ
afbr-600	201	23	effect	effect	NOUN
afbr-600	201	24	on	on	ADP
afbr-600	201	25	commercial	commercial	ADJ
afbr-600	201	26	banks	bank	NOUN
afbr-600	201	27	’	'	PUNCT
afbr-600	201	28	lending	lending	NOUN
afbr-600	201	29	to	to	ADP
afbr-600	201	30	the	the	DET
afbr-600	201	31	manufacturing	manufacturing	NOUN
afbr-600	201	32	sector	sector	NOUN
afbr-600	201	33	while	while	SCONJ
afbr-600	201	34	monetary	monetary	ADJ
afbr-600	201	35	policy	policy	NOUN
afbr-600	201	36	rate	rate	NOUN
afbr-600	201	37	have	have	VERB
afbr-600	201	38	positive	positive	ADJ
afbr-600	201	39	relationship	relationship	NOUN
afbr-600	201	40	with	with	ADP
afbr-600	201	41	the	the	DET
afbr-600	201	42	dependent	dependent	ADJ
afbr-600	201	43	variable	variable	NOUN
afbr-600	201	44	.	.	PUNCT
afbr-600	202	1	courage	courage	NOUN
afbr-600	202	2	and	and	CCONJ
afbr-600	202	3	leonard	leonard	PROPN
afbr-600	202	4	(	(	PUNCT
afbr-600	202	5	2019	2019	NUM
afbr-600	202	6	)	)	PUNCT
afbr-600	202	7	examined	examine	VERB
afbr-600	202	8	the	the	DET
afbr-600	202	9	effect	effect	NOUN
afbr-600	202	10	of	of	ADP
afbr-600	202	11	commercial	commercial	ADJ
afbr-600	202	12	bank	bank	NOUN
afbr-600	202	13	sectorial	sectorial	ADJ
afbr-600	202	14	credit	credit	NOUN
afbr-600	202	15	to	to	ADP
afbr-600	202	16	the	the	DET
afbr-600	202	17	manufacturing	manufacturing	NOUN
afbr-600	202	18	and	and	CCONJ
afbr-600	202	19	agricultural	agricultural	ADJ
afbr-600	202	20	subsectors	subsector	NOUN
afbr-600	202	21	on	on	ADP
afbr-600	202	22	economic	economic	ADJ
afbr-600	202	23	growth	growth	NOUN
afbr-600	202	24	in	in	ADP
afbr-600	202	25	nigeria	nigeria	PROPN
afbr-600	202	26	with	with	ADP
afbr-600	202	27	time	time	NOUN
afbr-600	202	28	series	series	PROPN
afbr-600	202	29	data	datum	NOUN
afbr-600	202	30	from	from	ADP
afbr-600	202	31	1981	1981	NUM
afbr-600	202	32	to	to	ADP
afbr-600	202	33	2015	2015	NUM
afbr-600	202	34	,	,	PUNCT
afbr-600	202	35	using	use	VERB
afbr-600	202	36	co	co	NOUN
afbr-600	202	37	-	-	NOUN
afbr-600	202	38	integration	integration	NOUN
afbr-600	202	39	and	and	CCONJ
afbr-600	202	40	error	error	NOUN
afbr-600	202	41	correction	correction	NOUN
afbr-600	202	42	mechanism	mechanism	NOUN
afbr-600	202	43	.	.	PUNCT
afbr-600	203	1	the	the	DET
afbr-600	203	2	study	study	NOUN
afbr-600	203	3	specifies	specify	VERB
afbr-600	203	4	a	a	DET
afbr-600	203	5	three	three	NUM
afbr-600	203	6	equation	equation	NOUN
afbr-600	203	7	model	model	NOUN
afbr-600	203	8	to	to	PART
afbr-600	203	9	analyze	analyze	VERB
afbr-600	203	10	the	the	DET
afbr-600	203	11	variables	variable	NOUN
afbr-600	203	12	which	which	PRON
afbr-600	203	13	include	include	VERB
afbr-600	203	14	;	;	PUNCT
afbr-600	203	15	real	real	ADJ
afbr-600	203	16	gdp	gdp	NOUN
afbr-600	203	17	,	,	PUNCT
afbr-600	203	18	bank	bank	NOUN
afbr-600	203	19	sectorial	sectorial	ADJ
afbr-600	203	20	credit	credit	NOUN
afbr-600	203	21	to	to	ADP
afbr-600	203	22	manufacturing	manufacturing	NOUN
afbr-600	203	23	and	and	CCONJ
afbr-600	203	24	agriculture	agriculture	NOUN
afbr-600	203	25	subsectors	subsector	NOUN
afbr-600	203	26	,	,	PUNCT
afbr-600	203	27	monetary	monetary	ADJ
afbr-600	203	28	policy	policy	NOUN
afbr-600	203	29	rate	rate	NOUN
afbr-600	203	30	,	,	PUNCT
afbr-600	203	31	financial	financial	ADJ
afbr-600	203	32	market	market	NOUN
afbr-600	203	33	development	development	NOUN
afbr-600	203	34	,	,	PUNCT
afbr-600	203	35	sourced	source	VERB
afbr-600	203	36	from	from	ADP
afbr-600	203	37	cbn	cbn	PROPN
afbr-600	203	38	statistical	statistical	ADJ
afbr-600	203	39	bulletin	bulletin	NOUN
afbr-600	203	40	and	and	CCONJ
afbr-600	203	41	also	also	ADV
afbr-600	203	42	the	the	DET
afbr-600	203	43	interaction	interaction	NOUN
afbr-600	203	44	variables	variable	NOUN
afbr-600	203	45	,	,	PUNCT
afbr-600	203	46	empirical	empirical	ADJ
afbr-600	203	47	result	result	NOUN
afbr-600	203	48	revealed	reveal	VERB
afbr-600	203	49	that	that	SCONJ
afbr-600	203	50	commercial	commercial	ADJ
afbr-600	203	51	bank	bank	NOUN
afbr-600	203	52	credit	credit	NOUN
afbr-600	203	53	to	to	ADP
afbr-600	203	54	the	the	DET
afbr-600	203	55	manufacturing	manufacturing	NOUN
afbr-600	203	56	and	and	CCONJ
afbr-600	203	57	agricultural	agricultural	ADJ
afbr-600	203	58	subsectors	subsector	NOUN
afbr-600	203	59	significantly	significantly	ADV
afbr-600	203	60	affects	affect	VERB
afbr-600	203	61	economic	economic	ADJ
afbr-600	203	62	growth	growth	NOUN
afbr-600	203	63	in	in	ADP
afbr-600	203	64	nigeria	nigeria	PROPN
afbr-600	203	65	both	both	PRON
afbr-600	203	66	in	in	ADP
afbr-600	203	67	the	the	DET
afbr-600	203	68	short	short	ADJ
afbr-600	203	69	run	run	NOUN
afbr-600	203	70	and	and	CCONJ
afbr-600	203	71	in	in	ADP
afbr-600	203	72	the	the	DET
afbr-600	203	73	long	long	ADJ
afbr-600	203	74	run	run	NOUN
afbr-600	203	75	.	.	PUNCT
afbr-600	204	1	furthermore	furthermore	ADV
afbr-600	204	2	,	,	PUNCT
afbr-600	204	3	development	development	NOUN
afbr-600	204	4	of	of	ADP
afbr-600	204	5	the	the	DET
afbr-600	204	6	financial	financial	ADJ
afbr-600	204	7	sector	sector	NOUN
afbr-600	204	8	enhances	enhance	VERB
afbr-600	204	9	the	the	DET
afbr-600	204	10	growth	growth	NOUN
afbr-600	204	11	effects	effect	NOUN
afbr-600	204	12	of	of	ADP
afbr-600	204	13	commercial	commercial	ADJ
afbr-600	204	14	banks	bank	NOUN
afbr-600	204	15	credit	credit	NOUN
afbr-600	204	16	to	to	ADP
afbr-600	204	17	the	the	DET
afbr-600	204	18	manufacturing	manufacturing	NOUN
afbr-600	204	19	and	and	CCONJ
afbr-600	204	20	agricultural	agricultural	ADJ
afbr-600	204	21	subsectors	subsector	NOUN
afbr-600	204	22	of	of	ADP
afbr-600	204	23	the	the	DET
afbr-600	204	24	economy	economy	NOUN
afbr-600	204	25	.	.	PUNCT
afbr-600	205	1	ubesie1	ubesie1	PROPN
afbr-600	205	2	,	,	PUNCT
afbr-600	205	3	echekoba	echekoba	NOUN
afbr-600	205	4	,	,	PUNCT
afbr-600	205	5	chris	chris	PROPN
afbr-600	205	6	-	-	PUNCT
afbr-600	205	7	ejiogu	ejiogu	NOUN
afbr-600	205	8	and	and	CCONJ
afbr-600	205	9	ananwude	ananwude	NOUN
afbr-600	205	10	(	(	PUNCT
afbr-600	205	11	2019	2019	NUM
afbr-600	205	12	)	)	PUNCT
afbr-600	205	13	studied	study	VERB
afbr-600	205	14	the	the	DET
afbr-600	205	15	effect	effect	NOUN
afbr-600	205	16	of	of	ADP
afbr-600	205	17	sectoral	sectoral	ADJ
afbr-600	205	18	allocation	allocation	NOUN
afbr-600	205	19	of	of	ADP
afbr-600	205	20	deposit	deposit	NOUN
afbr-600	205	21	money	money	NOUN
afbr-600	205	22	banks	bank	NOUN
afbr-600	205	23	’	'	PUNCT
afbr-600	205	24	credit	credit	NOUN
afbr-600	205	25	on	on	ADP
afbr-600	205	26	the	the	DET
afbr-600	205	27	growth	growth	NOUN
afbr-600	205	28	of	of	ADP
afbr-600	205	29	the	the	DET
afbr-600	205	30	nigerian	nigerian	ADJ
afbr-600	205	31	real	real	ADJ
afbr-600	205	32	economy	economy	NOUN
afbr-600	205	33	from	from	ADP
afbr-600	205	34	2008q1	2008q1	NUM
afbr-600	205	35	to	to	ADP
afbr-600	205	36	2017q4	2017q4	NOUN
afbr-600	205	37	using	use	VERB
afbr-600	205	38	the	the	DET
afbr-600	205	39	ordinary	ordinary	ADJ
afbr-600	205	40	least	least	ADJ
afbr-600	205	41	square	square	ADJ
afbr-600	205	42	(	(	PUNCT
afbr-600	205	43	ols	ol	NOUN
afbr-600	205	44	)	)	PUNCT
afbr-600	205	45	regression	regression	NOUN
afbr-600	205	46	technique	technique	NOUN
afbr-600	205	47	.	.	PUNCT
afbr-600	206	1	result	result	NOUN
afbr-600	206	2	of	of	ADP
afbr-600	206	3	the	the	DET
afbr-600	206	4	analysis	analysis	NOUN
afbr-600	206	5	revealed	reveal	VERB
afbr-600	206	6	that	that	SCONJ
afbr-600	206	7	deposit	deposit	NOUN
afbr-600	206	8	money	money	NOUN
afbr-600	206	9	banks	bank	NOUN
afbr-600	206	10	'	'	PART
afbr-600	206	11	credit	credit	NOUN
afbr-600	206	12	to	to	ADP
afbr-600	206	13	agriculture	agriculture	NOUN
afbr-600	206	14	,	,	PUNCT
afbr-600	206	15	industries	industry	NOUN
afbr-600	206	16	,	,	PUNCT
afbr-600	206	17	building	building	NOUN
afbr-600	206	18	and	and	CCONJ
afbr-600	206	19	construction	construction	NOUN
afbr-600	206	20	and	and	CCONJ
afbr-600	206	21	wholesale	wholesale	ADJ
afbr-600	206	22	&	&	CCONJ
afbr-600	206	23	retail	retail	ADJ
afbr-600	206	24	trade	trade	NOUN
afbr-600	206	25	have	have	VERB
afbr-600	206	26	no	no	DET
afbr-600	206	27	significant	significant	ADJ
afbr-600	206	28	effect	effect	NOUN
afbr-600	206	29	on	on	ADP
afbr-600	206	30	agricultural	agricultural	ADJ
afbr-600	206	31	,	,	PUNCT
afbr-600	206	32	industrial	industrial	ADJ
afbr-600	206	33	,	,	PUNCT
afbr-600	206	34	building	building	NOUN
afbr-600	206	35	and	and	CCONJ
afbr-600	206	36	construction	construction	NOUN
afbr-600	206	37	and	and	CCONJ
afbr-600	206	38	wholesale	wholesale	ADJ
afbr-600	206	39	&	&	CCONJ
afbr-600	206	40	retail	retail	ADJ
afbr-600	206	41	trade	trade	NOUN
afbr-600	206	42	contribution	contribution	NOUN
afbr-600	206	43	to	to	ADP
afbr-600	206	44	real	real	ADJ
afbr-600	206	45	gross	gross	ADJ
afbr-600	206	46	domestic	domestic	ADJ
afbr-600	206	47	product	product	NOUN
afbr-600	206	48	.	.	PUNCT
afbr-600	207	1	deposit	deposit	NOUN
afbr-600	207	2	money	money	NOUN
afbr-600	207	3	banks	bank	NOUN
afbr-600	207	4	should	should	AUX
afbr-600	207	5	remove	remove	VERB
afbr-600	207	6	the	the	DET
afbr-600	207	7	disparagement	disparagement	NOUN
afbr-600	207	8	that	that	SCONJ
afbr-600	207	9	the	the	DET
afbr-600	207	10	agricultural	agricultural	ADJ
afbr-600	207	11	sector	sector	NOUN
afbr-600	207	12	is	be	AUX
afbr-600	207	13	not	not	PART
afbr-600	207	14	viable	viable	ADJ
afbr-600	207	15	,	,	PUNCT
afbr-600	207	16	and	and	CCONJ
afbr-600	207	17	lend	lend	VERB
afbr-600	207	18	to	to	ADP
afbr-600	207	19	farmers	farmer	NOUN
afbr-600	207	20	with	with	ADP
afbr-600	207	21	genuine	genuine	ADJ
afbr-600	207	22	needs	need	NOUN
afbr-600	207	23	for	for	ADP
afbr-600	207	24	funds	fund	NOUN
afbr-600	207	25	at	at	ADP
afbr-600	207	26	a	a	DET
afbr-600	207	27	low	low	ADJ
afbr-600	207	28	interest	interest	NOUN
afbr-600	207	29	rate	rate	NOUN
afbr-600	207	30	.	.	PUNCT
afbr-600	208	1	the	the	DET
afbr-600	208	2	central	central	ADJ
afbr-600	208	3	bank	bank	PROPN
afbr-600	208	4	of	of	ADP
afbr-600	208	5	nigeria	nigeria	PROPN
afbr-600	208	6	can	can	AUX
afbr-600	208	7	equally	equally	ADV
afbr-600	208	8	play	play	VERB
afbr-600	208	9	a	a	DET
afbr-600	208	10	critical	critical	ADJ
afbr-600	208	11	role	role	NOUN
afbr-600	208	12	in	in	ADP
afbr-600	208	13	reducing	reduce	VERB
afbr-600	208	14	the	the	DET
afbr-600	208	15	interest	interest	NOUN
afbr-600	208	16	rate	rate	NOUN
afbr-600	208	17	charged	charge	VERB
afbr-600	208	18	by	by	ADP
afbr-600	208	19	deposit	deposit	NOUN
afbr-600	208	20	money	money	NOUN
afbr-600	208	21	banks	bank	NOUN
afbr-600	208	22	in	in	ADP
afbr-600	208	23	extending	extend	VERB
afbr-600	208	24	credit	credit	NOUN
afbr-600	208	25	to	to	ADP
afbr-600	208	26	the	the	DET
afbr-600	208	27	economy	economy	NOUN
afbr-600	208	28	by	by	ADP
afbr-600	208	29	cutting	cut	VERB
afbr-600	208	30	down	down	ADP
afbr-600	208	31	the	the	DET
afbr-600	208	32	monetary	monetary	ADJ
afbr-600	208	33	policy	policy	NOUN
afbr-600	208	34	rate	rate	NOUN
afbr-600	208	35	to	to	ADP
afbr-600	208	36	a	a	DET
afbr-600	208	37	single	single	ADJ
afbr-600	208	38	digit	digit	NOUN
afbr-600	208	39	compared	compare	VERB
afbr-600	208	40	to	to	ADP
afbr-600	208	41	the	the	DET
afbr-600	208	42	current	current	ADJ
afbr-600	208	43	double	double	ADJ
afbr-600	208	44	digit	digit	NOUN
afbr-600	208	45	of	of	ADP
afbr-600	208	46	14	14	NUM
afbr-600	208	47	%	%	NOUN
afbr-600	208	48	.	.	PUNCT
afbr-600	209	1	olorunmade	olorunmade	PROPN
afbr-600	209	2	,	,	PUNCT
afbr-600	209	3	samuel	samuel	PROPN
afbr-600	209	4	,	,	PUNCT
afbr-600	209	5	and	and	CCONJ
afbr-600	209	6	adewole	adewole	NOUN
afbr-600	209	7	,	,	PUNCT
afbr-600	209	8	(	(	PUNCT
afbr-600	209	9	2019	2019	NUM
afbr-600	209	10	)	)	PUNCT
afbr-600	209	11	examined	examine	VERB
afbr-600	209	12	the	the	DET
afbr-600	209	13	determinant	determinant	NOUN
afbr-600	209	14	of	of	ADP
afbr-600	209	15	private	private	ADJ
afbr-600	209	16	sector	sector	NOUN
afbr-600	209	17	credit	credit	NOUN
afbr-600	209	18	and	and	CCONJ
afbr-600	209	19	its	its	PRON
afbr-600	209	20	implication	implication	NOUN
afbr-600	209	21	on	on	ADP
afbr-600	209	22	economic	economic	ADJ
afbr-600	209	23	growth	growth	NOUN
afbr-600	209	24	in	in	ADP
afbr-600	209	25	nigeria	nigeria	PROPN
afbr-600	209	26	.	.	PUNCT
afbr-600	210	1	the	the	DET
afbr-600	210	2	fluctuation	fluctuation	NOUN
afbr-600	210	3	in	in	ADP
afbr-600	210	4	the	the	DET
afbr-600	210	5	supply	supply	NOUN
afbr-600	210	6	of	of	ADP
afbr-600	210	7	money	money	NOUN
afbr-600	210	8	and	and	CCONJ
afbr-600	210	9	credit	credit	NOUN
afbr-600	210	10	i	i	PRON
afbr-600	210	11	s	s	VERB
afbr-600	210	12	the	the	DET
afbr-600	210	13	basic	basic	ADJ
afbr-600	210	14	causal	causal	ADJ
afbr-600	210	15	factor	factor	NOUN
afbr-600	210	16	at	at	ADP
afbr-600	210	17	work	work	NOUN
afbr-600	210	18	in	in	ADP
afbr-600	210	19	cyclical	cyclical	ADJ
afbr-600	210	20	process	process	NOUN
afbr-600	210	21	;	;	PUNCT
afbr-600	210	22	when	when	SCONJ
afbr-600	210	23	money	money	NOUN
afbr-600	210	24	supply	supply	NOUN
afbr-600	210	25	falls	fall	VERB
afbr-600	210	26	,	,	PUNCT
afbr-600	210	27	prices	price	NOUN
afbr-600	210	28	decrease	decrease	VERB
afbr-600	210	29	,	,	PUNCT
afbr-600	210	30	profit	profit	NOUN
afbr-600	210	31	decrease	decrease	NOUN
afbr-600	210	32	,	,	PUNCT
afbr-600	210	33	production	production	NOUN
afbr-600	210	34	activities	activity	NOUN
afbr-600	210	35	become	become	VERB
afbr-600	210	36	sluggish	sluggish	ADJ
afbr-600	210	37	and	and	CCONJ
afbr-600	210	38	production	production	NOUN
afbr-600	210	39	falls	fall	NOUN
afbr-600	210	40	and	and	CCONJ
afbr-600	210	41	when	when	SCONJ
afbr-600	210	42	money	money	NOUN
afbr-600	210	43	supply	supply	NOUN
afbr-600	210	44	expands	expand	VERB
afbr-600	210	45	,	,	PUNCT
afbr-600	210	46	price	price	NOUN
afbr-600	210	47	rise	rise	NOUN
afbr-600	210	48	,	,	PUNCT
afbr-600	210	49	profit	profit	NOUN
afbr-600	210	50	increase	increase	NOUN
afbr-600	210	51	and	and	CCONJ
afbr-600	210	52	the	the	DET
afbr-600	210	53	total	total	ADJ
afbr-600	210	54	output	output	NOUN
afbr-600	210	55	increases	increase	NOUN
afbr-600	210	56	and	and	CCONJ
afbr-600	210	57	finally	finally	ADV
afbr-600	210	58	growth	growth	NOUN
afbr-600	210	59	takes	take	VERB
afbr-600	210	60	place.sample	place.sample	PROPN
afbr-600	210	61	regression	regression	NOUN
afbr-600	210	62	analysis	analysis	NOUN
afbr-600	210	63	were	be	AUX
afbr-600	210	64	used	use	VERB
afbr-600	210	65	to	to	PART
afbr-600	210	66	analyse	analyse	VERB
afbr-600	210	67	data	datum	NOUN
afbr-600	210	68	obtained	obtain	VERB
afbr-600	210	69	from	from	ADP
afbr-600	210	70	central	central	ADJ
afbr-600	210	71	bank	bank	PROPN
afbr-600	210	72	of	of	ADP
afbr-600	210	73	nigeria	nigeria	PROPN
afbr-600	210	74	statistical	statistical	ADJ
afbr-600	210	75	bulletin	bulletin	NOUN
afbr-600	210	76	from	from	ADP
afbr-600	210	77	2000	2000	NUM
afbr-600	210	78	to	to	ADP
afbr-600	210	79	2017	2017	NUM
afbr-600	210	80	.	.	PUNCT
afbr-600	211	1	it	it	PRON
afbr-600	211	2	was	be	AUX
afbr-600	211	3	revealed	reveal	VERB
afbr-600	211	4	in	in	ADP
afbr-600	211	5	the	the	DET
afbr-600	211	6	determinant	determinant	NOUN
afbr-600	211	7	of	of	ADP
afbr-600	211	8	credit	credit	NOUN
afbr-600	211	9	supply	supply	NOUN
afbr-600	211	10	that	that	SCONJ
afbr-600	211	11	there	there	PRON
afbr-600	211	12	was	be	VERB
afbr-600	211	13	significant	significant	ADJ
afbr-600	211	14	relationship	relationship	NOUN
afbr-600	211	15	between	between	ADP
afbr-600	211	16	total	total	ADJ
afbr-600	211	17	credits	credit	NOUN
afbr-600	211	18	to	to	ADP
afbr-600	211	19	private	private	ADJ
afbr-600	211	20	sector	sector	NOUN
afbr-600	211	21	and	and	CCONJ
afbr-600	211	22	money	money	NOUN
afbr-600	211	23	supply	supply	NOUN
afbr-600	211	24	in	in	ADP
afbr-600	211	25	nigeria	nigeria	PROPN
afbr-600	211	26	.	.	PUNCT
afbr-600	212	1	the	the	DET
afbr-600	212	2	study	study	NOUN
afbr-600	212	3	also	also	ADV
afbr-600	212	4	finds	find	VERB
afbr-600	212	5	that	that	SCONJ
afbr-600	212	6	there	there	PRON
afbr-600	212	7	was	be	VERB
afbr-600	212	8	significant	significant	ADJ
afbr-600	212	9	relationship	relationship	NOUN
afbr-600	212	10	between	between	ADP
afbr-600	212	11	private	private	ADJ
afbr-600	212	12	sector	sector	NOUN
afbr-600	212	13	credit	credit	NOUN
afbr-600	212	14	and	and	CCONJ
afbr-600	212	15	economic	economic	ADJ
afbr-600	212	16	growth	growth	NOUN
afbr-600	212	17	in	in	ADP
afbr-600	212	18	nigeria	nigeria	PROPN
afbr-600	212	19	.	.	PUNCT
afbr-600	213	1	literature	literature	NOUN
afbr-600	213	2	gap	gap	NOUN
afbr-600	213	3	dhanuskodi	dhanuskodi	PROPN
afbr-600	213	4	(	(	PUNCT
afbr-600	213	5	2014	2014	NUM
afbr-600	213	6	)	)	PUNCT
afbr-600	213	7	examines	examine	VERB
afbr-600	213	8	the	the	DET
afbr-600	213	9	impact	impact	NOUN
afbr-600	213	10	of	of	ADP
afbr-600	213	11	loan	loan	NOUN
afbr-600	213	12	deposit	deposit	NOUN
afbr-600	213	13	ratio	ratio	NOUN
afbr-600	213	14	on	on	ADP
afbr-600	213	15	the	the	DET
afbr-600	213	16	profitability	profitability	NOUN
afbr-600	213	17	of	of	ADP
afbr-600	213	18	malaysian	malaysian	ADJ
afbr-600	213	19	commercial	commercial	ADJ
afbr-600	213	20	banks	bank	NOUN
afbr-600	213	21	for	for	ADP
afbr-600	213	22	the	the	DET
afbr-600	213	23	period	period	NOUN
afbr-600	213	24	of	of	ADP
afbr-600	213	25	2009	2009	NUM
afbr-600	213	26	to	to	ADP
afbr-600	213	27	2013	2013	NUM
afbr-600	213	28	using	use	VERB
afbr-600	213	29	all	all	DET
afbr-600	213	30	the	the	DET
afbr-600	213	31	8	8	NUM
afbr-600	213	32	locally	locally	ADV
afbr-600	213	33	owned	own	VERB
afbr-600	213	34	commercial	commercial	ADJ
afbr-600	213	35	banks	bank	NOUN
afbr-600	213	36	in	in	ADP
afbr-600	213	37	malaysia	malaysia	PROPN
afbr-600	213	38	.	.	PUNCT
afbr-600	214	1	gap	gap	NOUN
afbr-600	214	2	and	and	CCONJ
afbr-600	214	3	focus	focus	NOUN
afbr-600	214	4	of	of	ADP
afbr-600	214	5	present	present	ADJ
afbr-600	214	6	study	study	NOUN
afbr-600	214	7	:	:	PUNCT
afbr-600	214	8	the	the	DET
afbr-600	214	9	above	above	ADJ
afbr-600	214	10	study	study	NOUN
afbr-600	214	11	is	be	AUX
afbr-600	214	12	a	a	DET
afbr-600	214	13	foreign	foreign	ADJ
afbr-600	214	14	study	study	NOUN
afbr-600	214	15	and	and	CCONJ
afbr-600	214	16	does	do	AUX
afbr-600	214	17	not	not	PART
afbr-600	214	18	capture	capture	VERB
afbr-600	214	19	the	the	DET
afbr-600	214	20	effect	effect	NOUN
afbr-600	214	21	of	of	ADP
afbr-600	214	22	dmbs	dmb	NOUN
afbr-600	214	23	monetary	monetary	ADJ
afbr-600	214	24	policy	policy	NOUN
afbr-600	214	25	on	on	ADP
afbr-600	214	26	private	private	ADJ
afbr-600	214	27	sector	sector	NOUN
afbr-600	214	28	funding	funding	NOUN
afbr-600	214	29	.	.	PUNCT
afbr-600	215	1	the	the	DET
afbr-600	215	2	study	study	NOUN
afbr-600	215	3	only	only	ADV
afbr-600	215	4	captures	capture	VERB
afbr-600	215	5	the	the	DET
afbr-600	215	6	impact	impact	NOUN
afbr-600	215	7	of	of	ADP
afbr-600	215	8	monetary	monetary	ADJ
afbr-600	215	9	policy	policy	NOUN
afbr-600	215	10	instrument	instrument	NOUN
afbr-600	215	11	(	(	PUNCT
afbr-600	215	12	ldr	ldr	PROPN
afbr-600	215	13	)	)	PUNCT
afbr-600	215	14	on	on	ADP
afbr-600	215	15	banks	bank	NOUN
afbr-600	215	16	profitability	profitability	NOUN
afbr-600	215	17	.	.	PUNCT
afbr-600	216	1	the	the	DET
afbr-600	216	2	present	present	ADJ
afbr-600	216	3	study	study	NOUN
afbr-600	216	4	will	will	AUX
afbr-600	216	5	be	be	AUX
afbr-600	216	6	carried	carry	VERB
afbr-600	216	7	out	out	ADP
afbr-600	216	8	in	in	ADP
afbr-600	216	9	nigeria	nigeria	PROPN
afbr-600	216	10	and	and	CCONJ
afbr-600	216	11	focus	focus	VERB
afbr-600	216	12	on	on	ADP
afbr-600	216	13	the	the	DET
afbr-600	216	14	effect	effect	NOUN
afbr-600	216	15	of	of	ADP
afbr-600	216	16	dmbs	dmb	NOUN
afbr-600	216	17	policy	policy	NOUN
afbr-600	216	18	on	on	ADP
afbr-600	216	19	private	private	ADJ
afbr-600	216	20	sector	sector	NOUN
afbr-600	216	21	funding	funding	NOUN
afbr-600	216	22	.	.	PUNCT
afbr-600	217	1	daniel	daniel	PROPN
afbr-600	217	2	(	(	PUNCT
afbr-600	217	3	2017	2017	NUM
afbr-600	217	4	)	)	PUNCT
afbr-600	217	5	examined	examine	VERB
afbr-600	217	6	the	the	DET
afbr-600	217	7	evidence	evidence	NOUN
afbr-600	217	8	of	of	ADP
afbr-600	217	9	the	the	DET
afbr-600	217	10	impact	impact	NOUN
afbr-600	217	11	of	of	ADP
afbr-600	217	12	liquidity	liquidity	NOUN
afbr-600	217	13	management	management	NOUN
afbr-600	217	14	on	on	ADP
afbr-600	217	15	the	the	DET
afbr-600	217	16	performance	performance	NOUN
afbr-600	217	17	of	of	ADP
afbr-600	217	18	deposit	deposit	NOUN
afbr-600	217	19	money	money	NOUN
afbr-600	217	20	banks	bank	NOUN
afbr-600	217	21	.	.	PUNCT
afbr-600	218	1	24	24	NUM
afbr-600	218	2	banks	bank	NOUN
afbr-600	218	3	were	be	AUX
afbr-600	218	4	surveyed	survey	VERB
afbr-600	218	5	which	which	PRON
afbr-600	218	6	constitute	constitute	VERB
afbr-600	218	7	the	the	DET
afbr-600	218	8	entire	entire	ADJ
afbr-600	218	9	deposit	deposit	NOUN
afbr-600	218	10	money	money	NOUN
afbr-600	218	11	banking	banking	NOUN
afbr-600	218	12	industry	industry	NOUN
afbr-600	218	13	in	in	ADP
afbr-600	218	14	nigeria	nigeria	PRON
afbr-600	218	15	between	between	ADP
afbr-600	218	16	1986	1986	NUM
afbr-600	218	17	and	and	CCONJ
afbr-600	218	18	2011	2011	NUM
afbr-600	218	19	.	.	PUNCT
afbr-600	219	1	secondary	secondary	ADJ
afbr-600	219	2	data	datum	NOUN
afbr-600	219	3	were	be	AUX
afbr-600	219	4	collected	collect	VERB
afbr-600	219	5	and	and	CCONJ
afbr-600	219	6	analyzed	analyze	VERB
afbr-600	219	7	using	use	VERB
afbr-600	219	8	spss	spss	PROPN
afbr-600	219	9	.	.	PUNCT
afbr-600	220	1	gap	gap	NOUN
afbr-600	220	2	and	and	CCONJ
afbr-600	220	3	focus	focus	NOUN
afbr-600	220	4	of	of	ADP
afbr-600	220	5	present	present	ADJ
afbr-600	220	6	study	study	NOUN
afbr-600	220	7	:	:	PUNCT
afbr-600	220	8	the	the	DET
afbr-600	220	9	above	above	ADV
afbr-600	220	10	though	though	ADV
afbr-600	220	11	carried	carry	VERB
afbr-600	220	12	out	out	ADP
afbr-600	220	13	in	in	ADP
afbr-600	220	14	nigeria	nigeria	PROPN
afbr-600	220	15	;	;	PUNCT
afbr-600	220	16	it	it	PRON
afbr-600	220	17	does	do	AUX
afbr-600	220	18	not	not	PART
afbr-600	220	19	capture	capture	VERB
afbr-600	220	20	the	the	DET
afbr-600	220	21	impact	impact	NOUN
afbr-600	220	22	of	of	ADP
afbr-600	220	23	dmbs	dmb	NOUN
afbr-600	220	24	monetary	monetary	ADJ
afbr-600	220	25	copyright	copyright	NOUN
afbr-600	220	26	©	©	PROPN
afbr-600	220	27	cc	cc	PROPN
afbr-600	220	28	-	-	PUNCT
afbr-600	220	29	by	by	ADP
afbr-600	220	30	-	-	PUNCT
afbr-600	220	31	nc	nc	PROPN
afbr-600	220	32	2019	2019	NUM
afbr-600	220	33	,	,	PUNCT
afbr-600	220	34	cribfb	cribfb	PROPN
afbr-600	220	35	|	|	ADV
afbr-600	220	36	afbr	afbr	PROPN
afbr-600	220	37	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	220	38	australian	australian	ADJ
afbr-600	220	39	finance	finance	PROPN
afbr-600	220	40	&	&	CCONJ
afbr-600	220	41	banking	banking	PROPN
afbr-600	220	42	review	review	PROPN
afbr-600	220	43	vol	vol	NOUN
afbr-600	220	44	.	.	PROPN
afbr-600	221	1	4	4	NUM
afbr-600	221	2	,	,	PUNCT
afbr-600	221	3	no	no	INTJ
afbr-600	221	4	.	.	NOUN
afbr-600	221	5	1	1	NUM
afbr-600	221	6	;	;	PUNCT
afbr-600	221	7	2020	2020	NUM
afbr-600	221	8	25	25	NUM
afbr-600	221	9	policy	policy	NOUN
afbr-600	221	10	on	on	ADP
afbr-600	221	11	private	private	ADJ
afbr-600	221	12	sector	sector	NOUN
afbr-600	221	13	funding	funding	NOUN
afbr-600	221	14	.	.	PUNCT
afbr-600	222	1	the	the	DET
afbr-600	222	2	study	study	NOUN
afbr-600	222	3	only	only	ADV
afbr-600	222	4	examined	examine	VERB
afbr-600	222	5	the	the	DET
afbr-600	222	6	effect	effect	NOUN
afbr-600	222	7	of	of	ADP
afbr-600	222	8	liquidity	liquidity	NOUN
afbr-600	222	9	management	management	NOUN
afbr-600	222	10	on	on	ADP
afbr-600	222	11	the	the	DET
afbr-600	222	12	performance	performance	NOUN
afbr-600	222	13	of	of	ADP
afbr-600	222	14	deposit	deposit	NOUN
afbr-600	222	15	money	money	NOUN
afbr-600	222	16	banks	bank	NOUN
afbr-600	222	17	.	.	PUNCT
afbr-600	223	1	this	this	DET
afbr-600	223	2	present	present	ADJ
afbr-600	223	3	study	study	NOUN
afbr-600	223	4	empirically	empirically	ADV
afbr-600	223	5	focused	focus	VERB
afbr-600	223	6	on	on	ADP
afbr-600	223	7	the	the	DET
afbr-600	223	8	effect	effect	NOUN
afbr-600	223	9	of	of	ADP
afbr-600	223	10	deposits	deposit	NOUN
afbr-600	223	11	money	money	NOUN
afbr-600	223	12	banks	bank	NOUN
afbr-600	223	13	policy	policy	NOUN
afbr-600	223	14	on	on	ADP
afbr-600	223	15	private	private	ADJ
afbr-600	223	16	sector	sector	NOUN
afbr-600	223	17	funding	funding	NOUN
afbr-600	223	18	in	in	ADP
afbr-600	223	19	nigeria	nigeria	PROPN
afbr-600	223	20	.	.	PUNCT
afbr-600	224	1	3	3	X
afbr-600	224	2	.	.	X
afbr-600	224	3	methodology	methodology	NOUN
afbr-600	224	4	this	this	DET
afbr-600	224	5	study	study	NOUN
afbr-600	224	6	used	use	VERB
afbr-600	224	7	ex	ex	NOUN
afbr-600	224	8	-	-	ADJ
afbr-600	224	9	post	post	ADJ
afbr-600	224	10	facto	facto	X
afbr-600	224	11	quasi	quasi	ADJ
afbr-600	224	12	-	-	ADJ
afbr-600	224	13	experimental	experimental	ADJ
afbr-600	224	14	research	research	NOUN
afbr-600	224	15	design	design	NOUN
afbr-600	224	16	to	to	PART
afbr-600	224	17	examine	examine	VERB
afbr-600	224	18	the	the	DET
afbr-600	224	19	effect	effect	NOUN
afbr-600	224	20	of	of	ADP
afbr-600	224	21	deposit	deposit	NOUN
afbr-600	224	22	money	money	NOUN
afbr-600	224	23	banks	bank	NOUN
afbr-600	224	24	policy	policy	NOUN
afbr-600	224	25	on	on	ADP
afbr-600	224	26	private	private	ADJ
afbr-600	224	27	sector	sector	NOUN
afbr-600	224	28	funding	funding	NOUN
afbr-600	224	29	in	in	ADP
afbr-600	224	30	nigeria	nigeria	PROPN
afbr-600	224	31	.	.	PUNCT
afbr-600	225	1	this	this	DET
afbr-600	225	2	study	study	NOUN
afbr-600	225	3	employed	employ	VERB
afbr-600	225	4	secondary	secondary	ADJ
afbr-600	225	5	data	datum	NOUN
afbr-600	225	6	sourced	source	VERB
afbr-600	225	7	mainly	mainly	ADV
afbr-600	225	8	from	from	ADP
afbr-600	225	9	the	the	DET
afbr-600	225	10	central	central	ADJ
afbr-600	225	11	bank	bank	PROPN
afbr-600	225	12	of	of	ADP
afbr-600	225	13	nigeria	nigeria	PROPN
afbr-600	225	14	(	(	PUNCT
afbr-600	225	15	cbn	cbn	PROPN
afbr-600	225	16	)	)	PUNCT
afbr-600	225	17	statistical	statistical	ADJ
afbr-600	225	18	bulletin	bulletin	NOUN
afbr-600	225	19	from	from	ADP
afbr-600	225	20	1985	1985	NUM
afbr-600	225	21	to	to	ADP
afbr-600	225	22	2018	2018	NUM
afbr-600	225	23	.	.	PUNCT
afbr-600	226	1	model	model	NOUN
afbr-600	226	2	specification	specification	NOUN
afbr-600	226	3	the	the	DET
afbr-600	226	4	study	study	NOUN
afbr-600	226	5	models	model	NOUN
afbr-600	226	6	are	be	AUX
afbr-600	226	7	specified	specify	VERB
afbr-600	226	8	below	below	ADV
afbr-600	226	9	:	:	PUNCT
afbr-600	227	1	cps	cp	NOUN
afbr-600	227	2	=	=	PUNCT
afbr-600	227	3	α	α	PROPN
afbr-600	227	4	+	+	X
afbr-600	227	5	β1blr	β1blr	PUNCT
afbr-600	228	1	+	+	CCONJ
afbr-600	228	2	β2ltdr	β2ltdr	PROPN
afbr-600	228	3	+	+	NUM
afbr-600	228	4	et	et	NOUN
afbr-600	228	5	1	1	NUM
afbr-600	228	6	ccps	ccp	NOUN
afbr-600	228	7	=	=	SYM
afbr-600	228	8	α	α	PROPN
afbr-600	228	9	+	+	CCONJ
afbr-600	228	10	β1blr	β1blr	PUNCT
afbr-600	229	1	+	+	CCONJ
afbr-600	229	2	β2ltdr	β2ltdr	PROPN
afbr-600	229	3	+	+	NUM
afbr-600	229	4	et	et	NOUN
afbr-600	229	5	2	2	NUM
afbr-600	229	6	smes	sme	NOUN
afbr-600	229	7	=	=	SYM
afbr-600	229	8	α	α	PROPN
afbr-600	229	9	+	+	CCONJ
afbr-600	229	10	β1blr	β1blr	PUNCT
afbr-600	230	1	+	+	CCONJ
afbr-600	230	2	β2ltdr	β2ltdr	PROPN
afbr-600	230	3	+	+	NUM
afbr-600	230	4	et	et	NOUN
afbr-600	230	5	3	3	NUM
afbr-600	231	1	where	where	SCONJ
afbr-600	231	2	:	:	PUNCT
afbr-600	231	3	cps	cps	PROPN
afbr-600	231	4	=	=	PUNCT
afbr-600	231	5	credit	credit	NOUN
afbr-600	231	6	to	to	ADP
afbr-600	231	7	the	the	DET
afbr-600	231	8	private	private	ADJ
afbr-600	231	9	sector	sector	NOUN
afbr-600	231	10	ccps	ccp	VERB
afbr-600	231	11	=	=	SYM
afbr-600	231	12	core	core	NOUN
afbr-600	231	13	credit	credit	NOUN
afbr-600	231	14	to	to	ADP
afbr-600	231	15	the	the	DET
afbr-600	231	16	private	private	ADJ
afbr-600	231	17	sector	sector	NOUN
afbr-600	231	18	csmes	csme	NOUN
afbr-600	231	19	=	=	PUNCT
afbr-600	231	20	credit	credit	NOUN
afbr-600	231	21	to	to	ADP
afbr-600	231	22	small	small	ADJ
afbr-600	231	23	and	and	CCONJ
afbr-600	231	24	medium	medium	ADJ
afbr-600	231	25	scale	scale	NOUN
afbr-600	231	26	enterprises	enterprise	NOUN
afbr-600	231	27	sector	sector	NOUN
afbr-600	231	28	blr	blr	X
afbr-600	231	29	=	=	SYM
afbr-600	231	30	bank	bank	PROPN
afbr-600	231	31	liquidity	liquidity	NOUN
afbr-600	231	32	ratio	ratio	NOUN
afbr-600	231	33	ltdr	ltdr	PROPN
afbr-600	231	34	=	=	PUNCT
afbr-600	231	35	loan	loan	NOUN
afbr-600	231	36	to	to	PART
afbr-600	231	37	deposit	deposit	VERB
afbr-600	231	38	ratio	ratio	NOUN
afbr-600	231	39	et	et	NOUN
afbr-600	231	40	=	=	NOUN
afbr-600	231	41	error	error	NOUN
afbr-600	231	42	term	term	NOUN
afbr-600	231	43	techniques	technique	NOUN
afbr-600	231	44	of	of	ADP
afbr-600	231	45	data	datum	NOUN
afbr-600	231	46	analysis	analysis	NOUN
afbr-600	231	47	the	the	DET
afbr-600	231	48	main	main	ADJ
afbr-600	231	49	tool	tool	NOUN
afbr-600	231	50	of	of	ADP
afbr-600	231	51	analysis	analysis	NOUN
afbr-600	231	52	is	be	AUX
afbr-600	231	53	the	the	DET
afbr-600	231	54	ordinary	ordinary	ADJ
afbr-600	231	55	least	least	ADJ
afbr-600	231	56	squares	square	NOUN
afbr-600	231	57	(	(	PUNCT
afbr-600	231	58	ols	ol	NOUN
afbr-600	231	59	)	)	PUNCT
afbr-600	231	60	using	use	VERB
afbr-600	231	61	the	the	DET
afbr-600	231	62	multiple	multiple	ADJ
afbr-600	231	63	regression	regression	NOUN
afbr-600	231	64	method	method	NOUN
afbr-600	231	65	for	for	ADP
afbr-600	231	66	a	a	DET
afbr-600	231	67	period	period	NOUN
afbr-600	231	68	of	of	ADP
afbr-600	231	69	34	34	NUM
afbr-600	231	70	years	year	NOUN
afbr-600	231	71	,	,	PUNCT
afbr-600	231	72	annual	annual	ADJ
afbr-600	231	73	data	datum	NOUN
afbr-600	231	74	covering	cover	VERB
afbr-600	231	75	1985	1985	NUM
afbr-600	231	76	–	–	PUNCT
afbr-600	231	77	2018	2018	NUM
afbr-600	231	78	.	.	PUNCT
afbr-600	232	1	statistical	statistical	ADJ
afbr-600	232	2	evaluation	evaluation	NOUN
afbr-600	232	3	of	of	ADP
afbr-600	232	4	the	the	DET
afbr-600	232	5	global	global	ADJ
afbr-600	232	6	utility	utility	NOUN
afbr-600	232	7	of	of	ADP
afbr-600	232	8	the	the	DET
afbr-600	232	9	analytical	analytical	ADJ
afbr-600	232	10	model	model	NOUN
afbr-600	232	11	,	,	PUNCT
afbr-600	232	12	so	so	SCONJ
afbr-600	232	13	as	as	SCONJ
afbr-600	232	14	to	to	PART
afbr-600	232	15	determine	determine	VERB
afbr-600	232	16	the	the	DET
afbr-600	232	17	reliability	reliability	NOUN
afbr-600	232	18	of	of	ADP
afbr-600	232	19	the	the	DET
afbr-600	232	20	results	result	NOUN
afbr-600	232	21	obtained	obtain	VERB
afbr-600	232	22	were	be	AUX
afbr-600	232	23	carried	carry	VERB
afbr-600	232	24	out	out	ADP
afbr-600	232	25	using	use	VERB
afbr-600	232	26	the	the	DET
afbr-600	232	27	coefficient	coefficient	NOUN
afbr-600	232	28	of	of	ADP
afbr-600	232	29	correlation	correlation	NOUN
afbr-600	232	30	(	(	PUNCT
afbr-600	232	31	r	r	NOUN
afbr-600	232	32	)	)	PUNCT
afbr-600	232	33	of	of	ADP
afbr-600	232	34	the	the	DET
afbr-600	232	35	regression	regression	NOUN
afbr-600	232	36	,	,	PUNCT
afbr-600	232	37	the	the	DET
afbr-600	232	38	coefficient	coefficient	NOUN
afbr-600	232	39	of	of	ADP
afbr-600	232	40	determination	determination	NOUN
afbr-600	232	41	(	(	PUNCT
afbr-600	232	42	r2	r2	PROPN
afbr-600	232	43	)	)	PUNCT
afbr-600	232	44	,	,	PUNCT
afbr-600	232	45	the	the	DET
afbr-600	232	46	student	student	NOUN
afbr-600	232	47	t	t	PROPN
afbr-600	232	48	-	-	PUNCT
afbr-600	232	49	test	test	NOUN
afbr-600	232	50	and	and	CCONJ
afbr-600	232	51	f	f	X
afbr-600	232	52	-	-	PUNCT
afbr-600	232	53	test	test	NOUN
afbr-600	232	54	.	.	PUNCT
afbr-600	233	1	(	(	PUNCT
afbr-600	233	2	i	i	NOUN
afbr-600	233	3	)	)	PUNCT
afbr-600	233	4	coefficient	coefficient	NOUN
afbr-600	233	5	of	of	ADP
afbr-600	233	6	determination	determination	NOUN
afbr-600	233	7	(	(	PUNCT
afbr-600	233	8	r2	r2	PROPN
afbr-600	233	9	)	)	PUNCT
afbr-600	233	10	test	test	NOUN
afbr-600	233	11	:	:	PUNCT
afbr-600	233	12	this	this	DET
afbr-600	233	13	measure	measure	NOUN
afbr-600	233	14	the	the	DET
afbr-600	233	15	explanatory	explanatory	ADJ
afbr-600	233	16	power	power	NOUN
afbr-600	233	17	of	of	ADP
afbr-600	233	18	the	the	DET
afbr-600	233	19	independent	independent	ADJ
afbr-600	233	20	variables	variable	NOUN
afbr-600	233	21	on	on	ADP
afbr-600	233	22	the	the	DET
afbr-600	233	23	dependent	dependent	ADJ
afbr-600	233	24	variables.r2	variables.r2	NOUN
afbr-600	233	25	gives	give	VERB
afbr-600	233	26	the	the	DET
afbr-600	233	27	proportion	proportion	NOUN
afbr-600	233	28	or	or	CCONJ
afbr-600	233	29	percentage	percentage	NOUN
afbr-600	233	30	of	of	ADP
afbr-600	233	31	the	the	DET
afbr-600	233	32	total	total	ADJ
afbr-600	233	33	variation	variation	NOUN
afbr-600	233	34	in	in	ADP
afbr-600	233	35	the	the	DET
afbr-600	233	36	dependent	dependent	ADJ
afbr-600	233	37	variable	variable	ADJ
afbr-600	233	38	y	y	PROPN
afbr-600	233	39	that	that	PRON
afbr-600	233	40	is	be	AUX
afbr-600	233	41	accounted	account	VERB
afbr-600	233	42	for	for	ADP
afbr-600	233	43	by	by	ADP
afbr-600	233	44	the	the	DET
afbr-600	233	45	single	single	ADJ
afbr-600	233	46	explanatory	explanatory	ADJ
afbr-600	233	47	variable	variable	NOUN
afbr-600	233	48	x.	x.	NOUN
afbr-600	234	1	the	the	ADV
afbr-600	234	2	higher	high	ADJ
afbr-600	234	3	the	the	DET
afbr-600	234	4	r2	r2	PROPN
afbr-600	234	5	value	value	NOUN
afbr-600	234	6	the	the	DET
afbr-600	234	7	better	well	ADJ
afbr-600	234	8	.	.	PUNCT
afbr-600	235	1	for	for	ADP
afbr-600	235	2	example	example	NOUN
afbr-600	235	3	,	,	PUNCT
afbr-600	235	4	to	to	PART
afbr-600	235	5	determine	determine	VERB
afbr-600	235	6	the	the	DET
afbr-600	235	7	proportion	proportion	NOUN
afbr-600	235	8	of	of	ADP
afbr-600	235	9	monetary	monetary	ADJ
afbr-600	235	10	policy	policy	NOUN
afbr-600	235	11	to	to	ADP
afbr-600	235	12	private	private	ADJ
afbr-600	235	13	sector	sector	NOUN
afbr-600	235	14	funding	funding	NOUN
afbr-600	235	15	in	in	ADP
afbr-600	235	16	our	our	PRON
afbr-600	235	17	model	model	NOUN
afbr-600	235	18	,	,	PUNCT
afbr-600	235	19	we	we	PRON
afbr-600	235	20	used	use	VERB
afbr-600	235	21	the	the	DET
afbr-600	235	22	coefficient	coefficient	NOUN
afbr-600	235	23	of	of	ADP
afbr-600	235	24	determination	determination	NOUN
afbr-600	235	25	.	.	PUNCT
afbr-600	236	1	the	the	DET
afbr-600	236	2	coefficient	coefficient	NOUN
afbr-600	236	3	of	of	ADP
afbr-600	236	4	determination	determination	NOUN
afbr-600	236	5	varies	vary	VERB
afbr-600	236	6	between	between	ADP
afbr-600	236	7	0.0	0.0	NUM
afbr-600	236	8	and	and	CCONJ
afbr-600	236	9	1.0	1.0	NUM
afbr-600	236	10	.	.	PUNCT
afbr-600	237	1	a	a	DET
afbr-600	237	2	coefficient	coefficient	NOUN
afbr-600	237	3	of	of	ADP
afbr-600	237	4	determination	determination	NOUN
afbr-600	237	5	says	say	VERB
afbr-600	237	6	0.20	0.20	NUM
afbr-600	237	7	means	mean	VERB
afbr-600	237	8	that	that	SCONJ
afbr-600	237	9	20	20	NUM
afbr-600	237	10	%	%	NOUN
afbr-600	237	11	of	of	ADP
afbr-600	237	12	changes	change	NOUN
afbr-600	237	13	in	in	ADP
afbr-600	237	14	the	the	DET
afbr-600	237	15	dependent	dependent	ADJ
afbr-600	237	16	variable	variable	NOUN
afbr-600	237	17	are	be	AUX
afbr-600	237	18	explained	explain	VERB
afbr-600	237	19	by	by	ADP
afbr-600	237	20	the	the	DET
afbr-600	237	21	independent	independent	ADJ
afbr-600	237	22	variable(s	variable(s	NOUN
afbr-600	237	23	)	)	PUNCT
afbr-600	237	24	.	.	PUNCT
afbr-600	238	1	therefore	therefore	ADV
afbr-600	238	2	,	,	PUNCT
afbr-600	238	3	we	we	PRON
afbr-600	238	4	shall	shall	AUX
afbr-600	238	5	use	use	VERB
afbr-600	238	6	the	the	DET
afbr-600	238	7	r2	r2	PROPN
afbr-600	238	8	to	to	PART
afbr-600	238	9	determine	determine	VERB
afbr-600	238	10	the	the	DET
afbr-600	238	11	extent	extent	NOUN
afbr-600	238	12	to	to	PART
afbr-600	238	13	which	which	PRON
afbr-600	238	14	variation	variation	NOUN
afbr-600	238	15	in	in	ADP
afbr-600	238	16	dmbs	dmb	NOUN
afbr-600	238	17	policy	policy	NOUN
afbr-600	238	18	variables	variable	NOUN
afbr-600	238	19	are	be	AUX
afbr-600	238	20	explained	explain	VERB
afbr-600	238	21	by	by	ADP
afbr-600	238	22	variations	variation	NOUN
afbr-600	238	23	in	in	ADP
afbr-600	238	24	private	private	ADJ
afbr-600	238	25	sector	sector	NOUN
afbr-600	238	26	funding	funding	NOUN
afbr-600	238	27	variables	variable	NOUN
afbr-600	238	28	over	over	ADP
afbr-600	238	29	the	the	DET
afbr-600	238	30	periods	period	NOUN
afbr-600	238	31	covered	cover	VERB
afbr-600	238	32	in	in	ADP
afbr-600	238	33	this	this	DET
afbr-600	238	34	study	study	NOUN
afbr-600	238	35	.	.	PUNCT
afbr-600	239	1	(	(	PUNCT
afbr-600	239	2	ii	ii	NOUN
afbr-600	239	3	)	)	PUNCT
afbr-600	239	4	correlation	correlation	NOUN
afbr-600	239	5	co	co	NOUN
afbr-600	239	6	-	-	ADJ
afbr-600	239	7	efficient	efficient	ADJ
afbr-600	239	8	(	(	PUNCT
afbr-600	239	9	r	r	NOUN
afbr-600	239	10	):	):	PUNCT
afbr-600	239	11	this	this	PRON
afbr-600	239	12	measures	measure	VERB
afbr-600	239	13	the	the	DET
afbr-600	239	14	degree	degree	NOUN
afbr-600	239	15	of	of	ADP
afbr-600	239	16	the	the	DET
afbr-600	239	17	relationship	relationship	NOUN
afbr-600	239	18	between	between	ADP
afbr-600	239	19	two	two	NUM
afbr-600	239	20	variables	variable	NOUN
afbr-600	239	21	x	x	PUNCT
afbr-600	239	22	and	and	CCONJ
afbr-600	239	23	y	y	PROPN
afbr-600	239	24	in	in	ADP
afbr-600	239	25	a	a	DET
afbr-600	239	26	regression	regression	NOUN
afbr-600	239	27	equation	equation	NOUN
afbr-600	239	28	.	.	PUNCT
afbr-600	240	1	that	that	PRON
afbr-600	240	2	is	be	AUX
afbr-600	240	3	,	,	PUNCT
afbr-600	240	4	it	it	PRON
afbr-600	240	5	tries	try	VERB
afbr-600	240	6	to	to	PART
afbr-600	240	7	establish	establish	VERB
afbr-600	240	8	the	the	DET
afbr-600	240	9	nature	nature	NOUN
afbr-600	240	10	and	and	CCONJ
afbr-600	240	11	magnitude	magnitude	NOUN
afbr-600	240	12	of	of	ADP
afbr-600	240	13	the	the	DET
afbr-600	240	14	relationship	relationship	NOUN
afbr-600	240	15	when	when	SCONJ
afbr-600	240	16	two	two	NUM
afbr-600	240	17	variables	variable	NOUN
afbr-600	240	18	are	be	AUX
afbr-600	240	19	been	be	AUX
afbr-600	240	20	analyzed	analyze	VERB
afbr-600	240	21	.	.	PUNCT
afbr-600	241	1	thus	thus	ADV
afbr-600	241	2	correlation	correlation	NOUN
afbr-600	241	3	co	co	ADJ
afbr-600	241	4	-	-	ADJ
afbr-600	241	5	efficient	efficient	ADJ
afbr-600	241	6	show	show	VERB
afbr-600	241	7	whether	whether	SCONJ
afbr-600	241	8	two	two	NUM
afbr-600	241	9	variables	variable	NOUN
afbr-600	241	10	are	be	AUX
afbr-600	241	11	positively	positively	ADV
afbr-600	241	12	or	or	CCONJ
afbr-600	241	13	negatively	negatively	ADV
afbr-600	241	14	correlated	correlate	VERB
afbr-600	241	15	.	.	PUNCT
afbr-600	242	1	that	that	PRON
afbr-600	242	2	is	be	AUX
afbr-600	242	3	,	,	PUNCT
afbr-600	242	4	it	it	PRON
afbr-600	242	5	takes	take	VERB
afbr-600	242	6	the	the	DET
afbr-600	242	7	value	value	NOUN
afbr-600	242	8	ranging	range	VERB
afbr-600	242	9	from	from	ADP
afbr-600	242	10	–	–	PUNCT
afbr-600	242	11	1	1	NUM
afbr-600	242	12	,	,	PUNCT
afbr-600	242	13	to	to	ADP
afbr-600	242	14	+	+	NOUN
afbr-600	242	15	1	1	X
afbr-600	242	16	.	.	PUNCT
afbr-600	242	17	(	(	PUNCT
afbr-600	242	18	iii	iii	NOUN
afbr-600	242	19	)	)	PUNCT
afbr-600	242	20	f	f	NOUN
afbr-600	242	21	-	-	PUNCT
afbr-600	242	22	test	test	NOUN
afbr-600	242	23	:	:	PUNCT
afbr-600	242	24	this	this	PRON
afbr-600	242	25	measures	measure	VERB
afbr-600	242	26	the	the	DET
afbr-600	242	27	overall	overall	ADJ
afbr-600	242	28	significance	significance	NOUN
afbr-600	242	29	.	.	PUNCT
afbr-600	243	1	the	the	DET
afbr-600	243	2	extent	extent	NOUN
afbr-600	243	3	to	to	PART
afbr-600	243	4	which	which	PRON
afbr-600	243	5	the	the	DET
afbr-600	243	6	statistic	statistic	NOUN
afbr-600	243	7	of	of	ADP
afbr-600	243	8	the	the	DET
afbr-600	243	9	coefficient	coefficient	NOUN
afbr-600	243	10	of	of	ADP
afbr-600	243	11	determination	determination	NOUN
afbr-600	243	12	is	be	AUX
afbr-600	243	13	statistically	statistically	ADV
afbr-600	243	14	significant	significant	ADJ
afbr-600	243	15	is	be	AUX
afbr-600	243	16	measured	measure	VERB
afbr-600	243	17	by	by	ADP
afbr-600	243	18	the	the	DET
afbr-600	243	19	f	f	NOUN
afbr-600	243	20	-	-	PUNCT
afbr-600	243	21	test	test	NOUN
afbr-600	243	22	.	.	PUNCT
afbr-600	244	1	the	the	DET
afbr-600	244	2	f	f	NOUN
afbr-600	244	3	-	-	PUNCT
afbr-600	244	4	test	test	NOUN
afbr-600	244	5	can	can	AUX
afbr-600	244	6	be	be	AUX
afbr-600	244	7	done	do	VERB
afbr-600	244	8	using	use	VERB
afbr-600	244	9	the	the	DET
afbr-600	244	10	f	f	NOUN
afbr-600	244	11	-	-	PUNCT
afbr-600	244	12	statistic	statistic	NOUN
afbr-600	244	13	or	or	CCONJ
afbr-600	244	14	by	by	ADP
afbr-600	244	15	the	the	DET
afbr-600	244	16	probability	probability	NOUN
afbr-600	244	17	estimate	estimate	NOUN
afbr-600	244	18	.	.	PUNCT
afbr-600	245	1	we	we	PRON
afbr-600	245	2	use	use	VERB
afbr-600	245	3	the	the	DET
afbr-600	245	4	f	f	NOUN
afbr-600	245	5	-	-	PUNCT
afbr-600	245	6	statistic	statistic	ADJ
afbr-600	245	7	estimate	estimate	NOUN
afbr-600	245	8	for	for	ADP
afbr-600	245	9	this	this	DET
afbr-600	245	10	analysis	analysis	NOUN
afbr-600	245	11	.	.	PUNCT
afbr-600	246	1	(	(	PUNCT
afbr-600	246	2	iv	iv	X
afbr-600	246	3	)	)	PUNCT
afbr-600	246	4	student	student	NOUN
afbr-600	246	5	t	t	PROPN
afbr-600	246	6	-	-	PUNCT
afbr-600	246	7	test	test	NOUN
afbr-600	246	8	:	:	PUNCT
afbr-600	246	9	measures	measure	VERB
afbr-600	246	10	the	the	DET
afbr-600	246	11	individual	individual	ADJ
afbr-600	246	12	statistical	statistical	ADJ
afbr-600	246	13	significance	significance	NOUN
afbr-600	246	14	of	of	ADP
afbr-600	246	15	the	the	DET
afbr-600	246	16	estimated	estimate	VERB
afbr-600	246	17	independent	independent	ADJ
afbr-600	246	18	variables	variable	NOUN
afbr-600	246	19	.	.	PUNCT
afbr-600	247	1	this	this	PRON
afbr-600	247	2	is	be	AUX
afbr-600	247	3	a	a	DET
afbr-600	247	4	test	test	NOUN
afbr-600	247	5	of	of	ADP
afbr-600	247	6	significance	significance	NOUN
afbr-600	247	7	used	use	VERB
afbr-600	247	8	to	to	PART
afbr-600	247	9	test	test	VERB
afbr-600	247	10	the	the	DET
afbr-600	247	11	significance	significance	NOUN
afbr-600	247	12	of	of	ADP
afbr-600	247	13	regression	regression	NOUN
afbr-600	247	14	coefficients	coefficient	NOUN
afbr-600	247	15	(	(	PUNCT
afbr-600	247	16	gujurati	gujurati	PROPN
afbr-600	247	17	,	,	PUNCT
afbr-600	247	18	2003	2003	NUM
afbr-600	247	19	)	)	PUNCT
afbr-600	247	20	.	.	PUNCT
afbr-600	248	1	generally	generally	ADV
afbr-600	248	2	speaking	speak	VERB
afbr-600	248	3	,	,	PUNCT
afbr-600	248	4	the	the	DET
afbr-600	248	5	test	test	NOUN
afbr-600	248	6	of	of	ADP
afbr-600	248	7	significance	significance	NOUN
afbr-600	248	8	approach	approach	NOUN
afbr-600	248	9	is	be	AUX
afbr-600	248	10	one	one	NUM
afbr-600	248	11	of	of	ADP
afbr-600	248	12	the	the	DET
afbr-600	248	13	methods	method	NOUN
afbr-600	248	14	used	use	VERB
afbr-600	248	15	to	to	PART
afbr-600	248	16	test	test	VERB
afbr-600	248	17	statistical	statistical	ADJ
afbr-600	248	18	hypothesis	hypothesis	NOUN
afbr-600	248	19	.	.	PUNCT
afbr-600	249	1	a	a	DET
afbr-600	249	2	test	test	NOUN
afbr-600	249	3	of	of	ADP
afbr-600	249	4	significance	significance	NOUN
afbr-600	249	5	is	be	AUX
afbr-600	249	6	a	a	DET
afbr-600	249	7	procedure	procedure	NOUN
afbr-600	249	8	by	by	ADP
afbr-600	249	9	sample	sample	NOUN
afbr-600	249	10	results	result	NOUN
afbr-600	249	11	are	be	AUX
afbr-600	249	12	used	use	VERB
afbr-600	249	13	to	to	PART
afbr-600	249	14	verify	verify	VERB
afbr-600	249	15	the	the	DET
afbr-600	249	16	truth	truth	NOUN
afbr-600	249	17	or	or	CCONJ
afbr-600	249	18	falsity	falsity	NOUN
afbr-600	249	19	of	of	ADP
afbr-600	249	20	a	a	DET
afbr-600	249	21	null	null	ADJ
afbr-600	249	22	hypothesis	hypothesis	NOUN
afbr-600	249	23	(	(	PUNCT
afbr-600	249	24	ho	ho	PROPN
afbr-600	249	25	)	)	PUNCT
afbr-600	249	26	at	at	ADP
afbr-600	249	27	5	5	NUM
afbr-600	249	28	%	%	NOUN
afbr-600	249	29	level	level	NOUN
afbr-600	249	30	of	of	ADP
afbr-600	249	31	significance	significance	NOUN
afbr-600	249	32	.	.	PUNCT
afbr-600	250	1	copyright	copyright	NOUN
afbr-600	250	2	©	©	PROPN
afbr-600	250	3	cc	cc	PROPN
afbr-600	250	4	-	-	PUNCT
afbr-600	250	5	by	by	ADP
afbr-600	250	6	-	-	PUNCT
afbr-600	250	7	nc	nc	PROPN
afbr-600	250	8	2019	2019	NUM
afbr-600	250	9	,	,	PUNCT
afbr-600	250	10	cribfb	cribfb	PROPN
afbr-600	250	11	|	|	ADV
afbr-600	250	12	afbr	afbr	PROPN
afbr-600	250	13	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	250	14	australian	australian	ADJ
afbr-600	250	15	finance	finance	PROPN
afbr-600	250	16	&	&	CCONJ
afbr-600	250	17	banking	banking	PROPN
afbr-600	250	18	review	review	PROPN
afbr-600	250	19	vol	vol	NOUN
afbr-600	250	20	.	.	PROPN
afbr-600	251	1	4	4	NUM
afbr-600	251	2	,	,	PUNCT
afbr-600	251	3	no	no	INTJ
afbr-600	251	4	.	.	NOUN
afbr-600	251	5	1	1	NUM
afbr-600	251	6	;	;	PUNCT
afbr-600	251	7	2020	2020	NUM
afbr-600	251	8	26	26	NUM
afbr-600	251	9	(	(	PUNCT
afbr-600	251	10	v	v	NOUN
afbr-600	251	11	)	)	PUNCT
afbr-600	251	12	durbin	durbin	PROPN
afbr-600	251	13	watson	watson	PROPN
afbr-600	251	14	statistics	statistic	NOUN
afbr-600	251	15	:	:	PUNCT
afbr-600	251	16	this	this	PRON
afbr-600	251	17	measures	measure	VERB
afbr-600	251	18	the	the	DET
afbr-600	251	19	collinearity	collinearity	NOUN
afbr-600	251	20	and	and	CCONJ
afbr-600	251	21	autocorrelation	autocorrelation	NOUN
afbr-600	251	22	between	between	ADP
afbr-600	251	23	the	the	DET
afbr-600	251	24	variables	variable	NOUN
afbr-600	251	25	in	in	ADP
afbr-600	251	26	the	the	DET
afbr-600	251	27	time	time	NOUN
afbr-600	251	28	series	series	NOUN
afbr-600	251	29	.	.	PUNCT
afbr-600	252	1	it	it	PRON
afbr-600	252	2	is	be	AUX
afbr-600	252	3	expected	expect	VERB
afbr-600	252	4	that	that	SCONJ
afbr-600	252	5	a	a	DET
afbr-600	252	6	ratio	ratio	NOUN
afbr-600	252	7	of	of	ADP
afbr-600	252	8	close	close	ADJ
afbr-600	252	9	to	to	PART
afbr-600	252	10	2.00	2.00	NUM
afbr-600	252	11	is	be	AUX
afbr-600	252	12	not	not	PART
afbr-600	252	13	auto	auto	NOUN
afbr-600	252	14	correlated	correlate	VERB
afbr-600	252	15	while	while	SCONJ
afbr-600	252	16	ratio	ratio	NOUN
afbr-600	252	17	above	above	ADP
afbr-600	252	18	2.00	2.00	NUM
afbr-600	252	19	assumed	assume	VERB
afbr-600	252	20	the	the	DET
afbr-600	252	21	presence	presence	NOUN
afbr-600	252	22	of	of	ADP
afbr-600	252	23	autocorrelation	autocorrelation	NOUN
afbr-600	252	24	.	.	PUNCT
afbr-600	253	1	(	(	PUNCT
afbr-600	253	2	vi	vi	NOUN
afbr-600	253	3	)	)	PUNCT
afbr-600	253	4	regression	regression	NOUN
afbr-600	253	5	coefficient	coefficient	NOUN
afbr-600	253	6	:	:	PUNCT
afbr-600	253	7	this	this	DET
afbr-600	253	8	measures	measure	VERB
afbr-600	253	9	the	the	DET
afbr-600	253	10	extent	extent	NOUN
afbr-600	253	11	in	in	ADP
afbr-600	253	12	which	which	PRON
afbr-600	253	13	the	the	DET
afbr-600	253	14	independent	independent	ADJ
afbr-600	253	15	variables	variable	NOUN
afbr-600	253	16	affect	affect	VERB
afbr-600	253	17	the	the	DET
afbr-600	253	18	dependent	dependent	ADJ
afbr-600	253	19	variables	variable	NOUN
afbr-600	253	20	in	in	ADP
afbr-600	253	21	the	the	DET
afbr-600	253	22	study	study	NOUN
afbr-600	253	23	.	.	PUNCT
afbr-600	254	1	(	(	PUNCT
afbr-600	254	2	vii	vii	PROPN
afbr-600	254	3	)	)	PUNCT
afbr-600	254	4	probability	probability	NOUN
afbr-600	254	5	ratio	ratio	NOUN
afbr-600	254	6	:	:	PUNCT
afbr-600	254	7	it	it	PRON
afbr-600	254	8	measures	measure	VERB
afbr-600	254	9	also	also	ADV
afbr-600	254	10	the	the	DET
afbr-600	254	11	extent	extent	NOUN
afbr-600	254	12	in	in	ADP
afbr-600	254	13	which	which	PRON
afbr-600	254	14	the	the	DET
afbr-600	254	15	independent	independent	ADJ
afbr-600	254	16	variables	variable	NOUN
afbr-600	254	17	can	can	AUX
afbr-600	254	18	explain	explain	VERB
afbr-600	254	19	change	change	NOUN
afbr-600	254	20	to	to	ADP
afbr-600	254	21	the	the	DET
afbr-600	254	22	dependent	dependent	ADJ
afbr-600	254	23	variables	variable	NOUN
afbr-600	254	24	given	give	VERB
afbr-600	254	25	a	a	DET
afbr-600	254	26	percentage	percentage	NOUN
afbr-600	254	27	level	level	NOUN
afbr-600	254	28	of	of	ADP
afbr-600	254	29	significant	significant	ADJ
afbr-600	254	30	.	.	PUNCT
afbr-600	255	1	stationarity	stationarity	NOUN
afbr-600	255	2	(	(	PUNCT
afbr-600	255	3	unit	unit	NOUN
afbr-600	255	4	root	root	NOUN
afbr-600	255	5	)	)	PUNCT
afbr-600	255	6	tests	test	VERB
afbr-600	255	7	stationary	stationary	ADJ
afbr-600	255	8	test	test	NOUN
afbr-600	255	9	therefore	therefore	ADV
afbr-600	255	10	checks	check	VERB
afbr-600	255	11	for	for	ADP
afbr-600	255	12	the	the	DET
afbr-600	255	13	stationarity	stationarity	NOUN
afbr-600	255	14	of	of	ADP
afbr-600	255	15	the	the	DET
afbr-600	255	16	variables	variable	NOUN
afbr-600	255	17	used	use	VERB
afbr-600	255	18	in	in	ADP
afbr-600	255	19	the	the	DET
afbr-600	255	20	models	model	NOUN
afbr-600	255	21	.	.	PUNCT
afbr-600	256	1	if	if	SCONJ
afbr-600	256	2	stationary	stationary	ADJ
afbr-600	256	3	at	at	ADP
afbr-600	256	4	level	level	NOUN
afbr-600	256	5	,	,	PUNCT
afbr-600	256	6	then	then	ADV
afbr-600	256	7	it	it	PRON
afbr-600	256	8	is	be	AUX
afbr-600	256	9	integrated	integrate	VERB
afbr-600	256	10	of	of	ADP
afbr-600	256	11	order	order	NOUN
afbr-600	256	12	zeroi	zeroi	NOUN
afbr-600	256	13	,	,	PUNCT
afbr-600	256	14	1(0	1(0	NUM
afbr-600	256	15	)	)	PUNCT
afbr-600	256	16	.	.	PUNCT
afbr-600	257	1	thus	thus	ADV
afbr-600	257	2	,	,	PUNCT
afbr-600	257	3	test	test	NOUN
afbr-600	257	4	for	for	ADP
afbr-600	257	5	stationarity	stationarity	NOUN
afbr-600	257	6	is	be	AUX
afbr-600	257	7	also	also	ADV
afbr-600	257	8	called	call	VERB
afbr-600	257	9	test	test	NOUN
afbr-600	257	10	for	for	ADP
afbr-600	257	11	integration	integration	NOUN
afbr-600	257	12	.	.	PUNCT
afbr-600	258	1	it	it	PRON
afbr-600	258	2	is	be	AUX
afbr-600	258	3	also	also	ADV
afbr-600	258	4	called	call	VERB
afbr-600	258	5	unit	unit	NOUN
afbr-600	258	6	root	root	NOUN
afbr-600	258	7	test	test	NOUN
afbr-600	258	8	.	.	PUNCT
afbr-600	259	1	stationarity	stationarity	NOUN
afbr-600	259	2	denotes	denote	VERB
afbr-600	259	3	the	the	DET
afbr-600	259	4	non	non	NOUN
afbr-600	259	5	-	-	NOUN
afbr-600	259	6	existence	existence	NOUN
afbr-600	259	7	of	of	ADP
afbr-600	259	8	unit	unit	NOUN
afbr-600	259	9	root	root	NOUN
afbr-600	259	10	.	.	PUNCT
afbr-600	260	1	we	we	PRON
afbr-600	260	2	shall	shall	AUX
afbr-600	260	3	therefore	therefore	ADV
afbr-600	260	4	subject	subject	VERB
afbr-600	260	5	all	all	DET
afbr-600	260	6	the	the	DET
afbr-600	260	7	variables	variable	NOUN
afbr-600	260	8	to	to	ADP
afbr-600	260	9	unit	unit	NOUN
afbr-600	260	10	root	root	NOUN
afbr-600	260	11	test	test	NOUN
afbr-600	260	12	using	use	VERB
afbr-600	260	13	the	the	DET
afbr-600	260	14	augmented	augment	VERB
afbr-600	260	15	dickey	dickey	PROPN
afbr-600	260	16	fuller	full	ADJ
afbr-600	260	17	(	(	PUNCT
afbr-600	260	18	adf	adf	NOUN
afbr-600	260	19	)	)	PUNCT
afbr-600	260	20	test	test	NOUN
afbr-600	260	21	specified	specify	VERB
afbr-600	260	22	in	in	ADP
afbr-600	260	23	gujarati	gujarati	PROPN
afbr-600	260	24	(	(	PUNCT
afbr-600	260	25	2004	2004	NUM
afbr-600	260	26	)	)	PUNCT
afbr-600	260	27	as	as	SCONJ
afbr-600	260	28	follows	follow	VERB
afbr-600	260	29	.	.	PUNCT
afbr-600	261	1	etyiyy	etyiyy	PROPN
afbr-600	261	2	t	t	PROPN
afbr-600	261	3	m	m	VERB
afbr-600	261	4	i	i	PRON
afbr-600	261	5	tt	tt	PROPN
afbr-600	261	6	+	+	NOUN
afbr-600	261	7	+++=	+++=	PROPN
afbr-600	262	1	−	−	ADP
afbr-600	262	2	−	−	NOUN
afbr-600	263	1	−	−	NUM
afbr-600	263	2	1	1	NUM
afbr-600	263	3	1	1	NUM
afbr-600	263	4	121	121	NUM
afbr-600	263	5			NOUN
afbr-600	263	6	4	4	NUM
afbr-600	263	7	where	where	SCONJ
afbr-600	263	8	:	:	PUNCT
afbr-600	263	9	ty	ty	NOUN
afbr-600	263	10	=	=	PUNCT
afbr-600	263	11	change	change	NOUN
afbr-600	263	12	time	time	NOUN
afbr-600	263	13	t	t	PROPN
afbr-600	263	14	1−	1−	NUM
afbr-600	263	15	ty	ty	INTJ
afbr-600	263	16	=	=	PUNCT
afbr-600	263	17	the	the	DET
afbr-600	263	18	lagged	lag	VERB
afbr-600	263	19	value	value	NOUN
afbr-600	263	20	of	of	ADP
afbr-600	263	21	the	the	DET
afbr-600	263	22	dependent	dependent	ADJ
afbr-600	263	23	variables	variable	NOUN
afbr-600	263	24	t	t	ADP
afbr-600	263	25	=	=	PUNCT
afbr-600	263	26	white	white	ADJ
afbr-600	263	27	noise	noise	NOUN
afbr-600	263	28	error	error	NOUN
afbr-600	263	29	term	term	NOUN
afbr-600	263	30	if	if	SCONJ
afbr-600	263	31	in	in	ADP
afbr-600	263	32	the	the	DET
afbr-600	263	33	above	above	ADJ
afbr-600	263	34			PROPN
afbr-600	263	35	=	=	NOUN
afbr-600	263	36	0	0	NUM
afbr-600	263	37	,	,	PUNCT
afbr-600	263	38	then	then	ADV
afbr-600	263	39	we	we	PRON
afbr-600	263	40	conclude	conclude	VERB
afbr-600	263	41	that	that	SCONJ
afbr-600	263	42	there	there	PRON
afbr-600	263	43	is	be	VERB
afbr-600	263	44	a	a	DET
afbr-600	263	45	unit	unit	NOUN
afbr-600	263	46	root	root	NOUN
afbr-600	263	47	.	.	PUNCT
afbr-600	264	1	otherwise	otherwise	ADV
afbr-600	264	2	there	there	PRON
afbr-600	264	3	is	be	VERB
afbr-600	264	4	no	no	DET
afbr-600	264	5	unit	unit	NOUN
afbr-600	264	6	root	root	NOUN
afbr-600	264	7	,	,	PUNCT
afbr-600	264	8	meaning	mean	VERB
afbr-600	264	9	that	that	SCONJ
afbr-600	264	10	it	it	PRON
afbr-600	264	11	is	be	AUX
afbr-600	264	12	stationary	stationary	ADJ
afbr-600	264	13	.	.	PUNCT
afbr-600	265	1	the	the	DET
afbr-600	265	2	choice	choice	NOUN
afbr-600	265	3	of	of	ADP
afbr-600	265	4	lag	lag	NOUN
afbr-600	265	5	will	will	AUX
afbr-600	265	6	be	be	AUX
afbr-600	265	7	determined	determine	VERB
afbr-600	265	8	by	by	ADP
afbr-600	265	9	akaike	akaike	ADJ
afbr-600	265	10	information	information	NOUN
afbr-600	265	11	criteria	criterion	NOUN
afbr-600	265	12	.	.	PUNCT
afbr-600	266	1	co	co	ADJ
afbr-600	266	2	-	-	NOUN
afbr-600	266	3	integration	integration	NOUN
afbr-600	266	4	test	test	NOUN
afbr-600	266	5	(	(	PUNCT
afbr-600	266	6	the	the	DET
afbr-600	266	7	johansen	johansen	PROPN
afbr-600	266	8	'	'	PART
afbr-600	266	9	test	test	NOUN
afbr-600	266	10	)	)	PUNCT
afbr-600	267	1	it	it	PRON
afbr-600	267	2	has	have	AUX
afbr-600	267	3	already	already	ADV
afbr-600	267	4	been	be	AUX
afbr-600	267	5	warned	warn	VERB
afbr-600	267	6	that	that	SCONJ
afbr-600	267	7	the	the	DET
afbr-600	267	8	regression	regression	NOUN
afbr-600	267	9	of	of	ADP
afbr-600	267	10	a	a	DET
afbr-600	267	11	non	non	ADJ
afbr-600	267	12	-	-	ADJ
afbr-600	267	13	stationary	stationary	ADJ
afbr-600	267	14	time	time	NOUN
afbr-600	267	15	series	series	NOUN
afbr-600	267	16	on	on	ADP
afbr-600	267	17	another	another	DET
afbr-600	267	18	non	non	PRON
afbr-600	267	19	stationary	stationary	ADJ
afbr-600	267	20	time	time	NOUN
afbr-600	267	21	series	series	PROPN
afbr-600	267	22	may	may	AUX
afbr-600	267	23	lead	lead	VERB
afbr-600	267	24	to	to	ADP
afbr-600	267	25	a	a	DET
afbr-600	267	26	spurious	spurious	ADJ
afbr-600	267	27	regression	regression	NOUN
afbr-600	267	28	.	.	PUNCT
afbr-600	268	1	if	if	SCONJ
afbr-600	268	2	the	the	DET
afbr-600	268	3	residual	residual	ADJ
afbr-600	268	4	is	be	AUX
afbr-600	268	5	found	find	VERB
afbr-600	268	6	to	to	PART
afbr-600	268	7	be	be	AUX
afbr-600	268	8	stationary	stationary	ADJ
afbr-600	268	9	at	at	ADP
afbr-600	268	10	level	level	NOUN
afbr-600	268	11	,	,	PUNCT
afbr-600	268	12	we	we	PRON
afbr-600	268	13	conclude	conclude	VERB
afbr-600	268	14	that	that	SCONJ
afbr-600	268	15	the	the	DET
afbr-600	268	16	variables	variable	NOUN
afbr-600	268	17	are	be	AUX
afbr-600	268	18	co	co	ADJ
afbr-600	268	19	-	-	VERB
afbr-600	268	20	integrated	integrated	ADJ
afbr-600	268	21	and	and	CCONJ
afbr-600	268	22	as	as	SCONJ
afbr-600	268	23	such	such	ADJ
afbr-600	268	24	has	have	AUX
afbr-600	268	25	long	long	ADV
afbr-600	268	26	-	-	PUNCT
afbr-600	268	27	run	run	VERB
afbr-600	268	28	relationship	relationship	NOUN
afbr-600	268	29	exists	exist	VERB
afbr-600	268	30	among	among	ADP
afbr-600	268	31	them	they	PRON
afbr-600	268	32	.	.	PUNCT
afbr-600	269	1	tijt	tijt	PROPN
afbr-600	269	2	j	j	PROPN
afbr-600	270	1	i	i	PRON
afbr-600	270	2	iit	iit	VERB
afbr-600	271	1	i	i	PRON
afbr-600	271	2	i	i	PRON
afbr-600	271	3	tot	tot	VERB
afbr-600	271	4	cpscpswcps	cpscpswcp	VERB
afbr-600	271	5	1	1	NUM
afbr-600	271	6	11	11	NUM
afbr-600	271	7			NOUN
afbr-600	271	8	+	+	PROPN
afbr-600	271	9	+	+	ADJ
afbr-600	271	10	+	+	NOUN
afbr-600	271	11	=	=	SYM
afbr-600	272	1	−	−	NOUN
afbr-600	272	2	=	=	SYM
afbr-600	273	1	−	−	PROPN
afbr-600	274	1	=	=	SYM
afbr-600	274	2			PRON
afbr-600	274	3	5	5	NUM
afbr-600	274	4	tijt	tijt	NOUN
afbr-600	275	1	j	j	PROPN
afbr-600	276	1	i	i	PRON
afbr-600	276	2	iit	iit	VERB
afbr-600	277	1	i	i	PRON
afbr-600	277	2	i	i	PROPN
afbr-600	277	3	tot	tot	VERB
afbr-600	277	4	ccpsccpswccps	ccpsccpswccp	VERB
afbr-600	277	5	1	1	NUM
afbr-600	277	6	11	11	NUM
afbr-600	277	7			NOUN
afbr-600	277	8	+	+	PROPN
afbr-600	277	9	+	+	ADJ
afbr-600	277	10	+	+	NOUN
afbr-600	277	11	=	=	SYM
afbr-600	277	12	−	−	NOUN
afbr-600	277	13	=	=	SYM
afbr-600	278	1	−	−	PROPN
afbr-600	279	1	=	=	SYM
afbr-600	279	2			PRON
afbr-600	279	3	6	6	NUM
afbr-600	279	4	tijt	tijt	NOUN
afbr-600	279	5	j	j	PROPN
afbr-600	280	1	i	i	PRON
afbr-600	280	2	iit	iit	VERB
afbr-600	281	1	i	i	PRON
afbr-600	281	2	i	i	PRON
afbr-600	281	3	tot	tot	VERB
afbr-600	281	4	smessmeswsmes	smessmeswsme	NOUN
afbr-600	281	5	1	1	NUM
afbr-600	281	6	11	11	NUM
afbr-600	281	7			NOUN
afbr-600	281	8	+	+	PROPN
afbr-600	281	9	+	+	ADJ
afbr-600	281	10	+	+	NOUN
afbr-600	281	11	=	=	SYM
afbr-600	281	12	−	−	NOUN
afbr-600	281	13	=	=	SYM
afbr-600	282	1	−	−	PROPN
afbr-600	283	1	=	=	SYM
afbr-600	283	2			PRON
afbr-600	283	3	7	7	NUM
afbr-600	283	4	granger	granger	PROPN
afbr-600	283	5	causality	causality	NOUN
afbr-600	283	6	test	test	NOUN
afbr-600	283	7	causality	causality	NOUN
afbr-600	283	8	means	mean	VERB
afbr-600	283	9	the	the	DET
afbr-600	283	10	impact	impact	NOUN
afbr-600	283	11	of	of	ADP
afbr-600	283	12	one	one	NUM
afbr-600	283	13	variable	variable	NOUN
afbr-600	283	14	on	on	ADP
afbr-600	283	15	another	another	PRON
afbr-600	283	16	,	,	PUNCT
afbr-600	283	17	in	in	ADP
afbr-600	283	18	other	other	ADJ
afbr-600	283	19	-	-	PUNCT
afbr-600	283	20	words	word	NOUN
afbr-600	283	21	;	;	PUNCT
afbr-600	283	22	causality	causality	NOUN
afbr-600	283	23	is	be	AUX
afbr-600	283	24	when	when	SCONJ
afbr-600	283	25	an	an	DET
afbr-600	283	26	independent	independent	ADJ
afbr-600	283	27	variable	variable	NOUN
afbr-600	283	28	causes	cause	VERB
afbr-600	283	29	changes	change	NOUN
afbr-600	283	30	in	in	ADP
afbr-600	283	31	a	a	DET
afbr-600	283	32	dependent	dependent	ADJ
afbr-600	283	33	variable	variable	NOUN
afbr-600	283	34	.	.	PUNCT
afbr-600	284	1	the	the	DET
afbr-600	284	2	pair	pair	NOUN
afbr-600	284	3	-	-	PUNCT
afbr-600	284	4	wise	wise	ADJ
afbr-600	284	5	granger	granger	PROPN
afbr-600	284	6	causality	causality	NOUN
afbr-600	284	7	test	test	NOUN
afbr-600	284	8	is	be	AUX
afbr-600	284	9	mathematically	mathematically	ADV
afbr-600	284	10	expressed	express	VERB
afbr-600	284	11	as	as	ADP
afbr-600	284	12	:	:	SYM
afbr-600	284	13	111	111	NUM
afbr-600	284	14	1	1	NUM
afbr-600	284	15	11	11	NUM
afbr-600	284	16	1	1	NUM
afbr-600	284	17	uxyxy	uxyxy	NOUN
afbr-600	284	18	t	t	NOUN
afbr-600	284	19	x	x	PUNCT
afbr-600	285	1	n	n	INTJ
afbr-600	285	2	i	i	PRON
afbr-600	285	3	t	t	VERB
afbr-600	286	1	y	y	PROPN
afbr-600	287	1	n	n	INTJ
afbr-600	288	1	i	i	PRON
afbr-600	288	2	ot	ot	VERB
afbr-600	289	1	+	+	PROPN
afbr-600	289	2	+	+	NUM
afbr-600	289	3	−	−	NOUN
afbr-600	289	4	=	=	SYM
afbr-600	289	5	−	−	PROPN
afbr-600	290	1	=	=	SYM
afbr-600	290	2			PROPN
afbr-600	290	3			PROPN
afbr-600	290	4	8	8	NUM
afbr-600	290	5	and	and	CCONJ
afbr-600	290	6	1	1	NUM
afbr-600	290	7	v	v	NUM
afbr-600	290	8	1y	1y	NUM
afbr-600	290	9	xxdp1	xxdp1	PROPN
afbr-600	291	1	n	n	PROPN
afbr-600	291	2	1i	1i	NOUN
afbr-600	291	3	1yt	1yt	NOUN
afbr-600	292	1	y	y	PROPN
afbr-600	292	2	1	1	NUM
afbr-600	292	3	dp	dp	NOUN
afbr-600	292	4	n	n	NUM
afbr-600	292	5	1i	1i	NOUN
afbr-600	292	6	o	o	NOUN
afbr-600	292	7	dp	dp	NOUN
afbr-600	292	8	t	t	NOUN
afbr-600	292	9	x	x	PUNCT
afbr-600	293	1	+	+	CCONJ
afbr-600	293	2	−	−	X
afbr-600	293	3			X
afbr-600	293	4	=	=	PUNCT
afbr-600	293	5	−	−	NOUN
afbr-600	293	6	=	=	NOUN
afbr-600	294	1	+	+	CCONJ
afbr-600	294	2	9	9	NUM
afbr-600	294	3	copyright	copyright	NOUN
afbr-600	294	4	©	©	PROPN
afbr-600	294	5	cc	cc	NOUN
afbr-600	294	6	-	-	PUNCT
afbr-600	294	7	by	by	ADP
afbr-600	294	8	-	-	PUNCT
afbr-600	294	9	nc	nc	PROPN
afbr-600	294	10	2019	2019	NUM
afbr-600	294	11	,	,	PUNCT
afbr-600	294	12	cribfb	cribfb	PROPN
afbr-600	294	13	|	|	ADV
afbr-600	294	14	afbr	afbr	PROPN
afbr-600	294	15	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	294	16	australian	australian	ADJ
afbr-600	294	17	finance	finance	PROPN
afbr-600	294	18	&	&	CCONJ
afbr-600	294	19	banking	banking	PROPN
afbr-600	294	20	review	review	PROPN
afbr-600	294	21	vol	vol	NOUN
afbr-600	294	22	.	.	PROPN
afbr-600	295	1	4	4	NUM
afbr-600	295	2	,	,	PUNCT
afbr-600	295	3	no	no	INTJ
afbr-600	295	4	.	.	NOUN
afbr-600	295	5	1	1	NUM
afbr-600	295	6	;	;	PUNCT
afbr-600	295	7	2020	2020	NUM
afbr-600	295	8	27	27	NUM
afbr-600	295	9	where	where	SCONJ
afbr-600	295	10	xt	xt	PUNCT
afbr-600	295	11	and	and	CCONJ
afbr-600	295	12	yt	yt	PROPN
afbr-600	295	13	are	be	AUX
afbr-600	295	14	the	the	DET
afbr-600	295	15	variables	variable	NOUN
afbr-600	295	16	to	to	PART
afbr-600	295	17	be	be	AUX
afbr-600	295	18	tested	test	VERB
afbr-600	295	19	white	white	PROPN
afbr-600	295	20	ut	ut	PROPN
afbr-600	295	21	and	and	CCONJ
afbr-600	295	22	vt	vt	PROPN
afbr-600	295	23	are	be	AUX
afbr-600	295	24	the	the	DET
afbr-600	295	25	white	white	ADJ
afbr-600	295	26	noise	noise	NOUN
afbr-600	295	27	disturbance	disturbance	NOUN
afbr-600	295	28	terms	term	NOUN
afbr-600	295	29	.	.	PUNCT
afbr-600	296	1	the	the	DET
afbr-600	296	2	null	null	ADJ
afbr-600	296	3	hypothesis	hypothesis	NOUN
afbr-600	296	4	011	011	NUM
afbr-600	297	1	=	=	SYM
afbr-600	297	2	=	=	SYM
afbr-600	297	3	yy	yy	PROPN
afbr-600	297	4	dp	dp	PROPN
afbr-600	297	5	,	,	PUNCT
afbr-600	297	6	for	for	ADP
afbr-600	297	7	all	all	PRON
afbr-600	297	8	i	i	PRON
afbr-600	297	9	’s	’	VERB
afbr-600	297	10	is	be	AUX
afbr-600	297	11	tested	test	VERB
afbr-600	297	12	against	against	ADP
afbr-600	297	13	the	the	DET
afbr-600	297	14	alternative	alternative	ADJ
afbr-600	297	15	hypothesis	hypothesis	NOUN
afbr-600	297	16	01	01	NUM
afbr-600	297	17	x	x	PUNCT
afbr-600	297	18	and	and	CCONJ
afbr-600	297	19	.01	.01	NUM
afbr-600	297	20	ydp	ydp	PROPN
afbr-600	297	21	if	if	SCONJ
afbr-600	297	22	the	the	DET
afbr-600	297	23	co	co	NOUN
afbr-600	297	24	-	-	ADJ
afbr-600	297	25	efficient	efficient	ADJ
afbr-600	297	26	of	of	ADP
afbr-600	297	27	x	x	SYM
afbr-600	297	28	1	1	NUM
afbr-600	297	29	are	be	AUX
afbr-600	297	30	statistically	statistically	ADV
afbr-600	297	31	significant	significant	ADJ
afbr-600	297	32	but	but	CCONJ
afbr-600	297	33	that	that	PRON
afbr-600	297	34	of	of	ADP
afbr-600	297	35	ydp1	ydp1	NOUN
afbr-600	297	36	are	be	AUX
afbr-600	297	37	not	not	PART
afbr-600	297	38	,	,	PUNCT
afbr-600	297	39	then	then	ADV
afbr-600	297	40	x	x	PUNCT
afbr-600	297	41	causes	cause	VERB
afbr-600	297	42	y.	y.	PROPN
afbr-600	297	43	if	if	SCONJ
afbr-600	297	44	the	the	DET
afbr-600	297	45	reverse	reverse	NOUN
afbr-600	297	46	is	be	AUX
afbr-600	297	47	true	true	ADJ
afbr-600	297	48	then	then	ADV
afbr-600	297	49	y	y	PROPN
afbr-600	297	50	causes	cause	VERB
afbr-600	297	51	x.	x.	NOUN
afbr-600	297	52	however	however	ADV
afbr-600	297	53	,	,	PUNCT
afbr-600	297	54	where	where	SCONJ
afbr-600	297	55	both	both	DET
afbr-600	297	56	co	co	ADJ
afbr-600	297	57	-	-	ADJ
afbr-600	297	58	efficient	efficient	ADJ
afbr-600	297	59	of	of	ADP
afbr-600	297	60	x	x	SYM
afbr-600	297	61	1	1	NUM
afbr-600	297	62	and	and	CCONJ
afbr-600	297	63	ydp1	ydp1	NOUN
afbr-600	297	64	are	be	AUX
afbr-600	297	65	significant	significant	ADJ
afbr-600	297	66	then	then	ADV
afbr-600	297	67	causality	causality	NOUN
afbr-600	297	68	is	be	AUX
afbr-600	297	69	bi	bi	ADJ
afbr-600	297	70	–	–	PUNCT
afbr-600	297	71	directional	directional	ADJ
afbr-600	297	72	.	.	PUNCT
afbr-600	298	1	vector	vector	NOUN
afbr-600	298	2	error	error	NOUN
afbr-600	298	3	correction	correction	NOUN
afbr-600	298	4	(	(	PUNCT
afbr-600	298	5	vec	vec	NOUN
afbr-600	298	6	)	)	PUNCT
afbr-600	298	7	technique	technique	NOUN
afbr-600	298	8	the	the	DET
afbr-600	298	9	presence	presence	NOUN
afbr-600	298	10	of	of	ADP
afbr-600	298	11	co	co	ADJ
afbr-600	298	12	-	-	ADJ
afbr-600	298	13	integrating	integrating	ADJ
afbr-600	298	14	relationship	relationship	NOUN
afbr-600	298	15	forms	form	VERB
afbr-600	298	16	the	the	DET
afbr-600	298	17	basis	basis	NOUN
afbr-600	298	18	of	of	ADP
afbr-600	298	19	the	the	DET
afbr-600	298	20	use	use	NOUN
afbr-600	298	21	of	of	ADP
afbr-600	298	22	vector	vector	NOUN
afbr-600	298	23	error	error	NOUN
afbr-600	298	24	correction	correction	NOUN
afbr-600	298	25	model	model	NOUN
afbr-600	298	26	.	.	PUNCT
afbr-600	299	1	e	e	X
afbr-600	299	2	-	-	NOUN
afbr-600	299	3	views	views	ADJ
afbr-600	299	4	econometric	econometric	ADJ
afbr-600	299	5	software	software	NOUN
afbr-600	299	6	is	be	AUX
afbr-600	299	7	used	use	VERB
afbr-600	299	8	for	for	ADP
afbr-600	299	9	data	datum	NOUN
afbr-600	299	10	analysis	analysis	NOUN
afbr-600	299	11	,	,	PUNCT
afbr-600	299	12	implement	implement	VERB
afbr-600	299	13	vector	vector	NOUN
afbr-600	299	14	auto	auto	NOUN
afbr-600	299	15	-	-	PUNCT
afbr-600	299	16	regression	regression	NOUN
afbr-600	299	17	(	(	PUNCT
afbr-600	299	18	var)based	var)base	VERB
afbr-600	299	19	co	co	NOUN
afbr-600	299	20	-	-	NOUN
afbr-600	299	21	integration	integration	NOUN
afbr-600	299	22	tests	test	NOUN
afbr-600	299	23	using	use	VERB
afbr-600	299	24	the	the	DET
afbr-600	299	25	methodology	methodology	NOUN
afbr-600	299	26	developed	develop	VERB
afbr-600	299	27	by	by	ADP
afbr-600	299	28	johansen	johansen	PROPN
afbr-600	299	29	(	(	PUNCT
afbr-600	299	30	1991,1995	1991,1995	NUM
afbr-600	299	31	)	)	PUNCT
afbr-600	299	32	.	.	PUNCT
afbr-600	300	1	the	the	DET
afbr-600	300	2	non	non	ADJ
afbr-600	300	3	-	-	ADJ
afbr-600	300	4	standard	standard	ADJ
afbr-600	300	5	critical	critical	ADJ
afbr-600	300	6	values	value	NOUN
afbr-600	300	7	are	be	AUX
afbr-600	300	8	taken	take	VERB
afbr-600	300	9	from	from	ADP
afbr-600	300	10	(	(	PUNCT
afbr-600	300	11	osterward	osterward	ADJ
afbr-600	300	12	,	,	PUNCT
afbr-600	300	13	1992	1992	NUM
afbr-600	300	14	)	)	PUNCT
afbr-600	300	15	.	.	PUNCT
afbr-600	301	1	4	4	X
afbr-600	301	2	.	.	NOUN
afbr-600	301	3	results	result	NOUN
afbr-600	301	4	and	and	CCONJ
afbr-600	301	5	discussion	discussion	NOUN
afbr-600	301	6	of	of	ADP
afbr-600	301	7	findings	finding	NOUN
afbr-600	301	8	table	table	NOUN
afbr-600	301	9	1	1	NUM
afbr-600	301	10	:	:	PUNCT
afbr-600	301	11	short	short	ADJ
afbr-600	301	12	term	term	NOUN
afbr-600	301	13	regression	regression	NOUN
afbr-600	301	14	results	result	VERB
afbr-600	301	15	dmbs	dmb	NOUN
afbr-600	301	16	policy	policy	NOUN
afbr-600	301	17	and	and	CCONJ
afbr-600	301	18	credit	credit	NOUN
afbr-600	301	19	to	to	ADP
afbr-600	301	20	private	private	ADJ
afbr-600	301	21	sector	sector	NOUN
afbr-600	301	22	dmbs	dmb	NOUN
afbr-600	301	23	policy	policy	NOUN
afbr-600	301	24	and	and	CCONJ
afbr-600	301	25	credit	credit	NOUN
afbr-600	301	26	to	to	PART
afbr-600	301	27	core	core	VERB
afbr-600	302	1	private	private	ADJ
afbr-600	302	2	sector	sector	NOUN
afbr-600	302	3	variable	variable	ADJ
afbr-600	302	4	coefficient	coefficient	NOUN
afbr-600	302	5	t	t	PROPN
afbr-600	302	6	-	-	PUNCT
afbr-600	302	7	test	test	NOUN
afbr-600	302	8	prob	prob	NOUN
afbr-600	302	9	.	.	PUNCT
afbr-600	303	1	variable	variable	ADJ
afbr-600	303	2	coefficient	coefficient	PROPN
afbr-600	303	3	t	t	PROPN
afbr-600	303	4	-	-	PUNCT
afbr-600	303	5	test	test	NOUN
afbr-600	303	6	prob	prob	NOUN
afbr-600	303	7	.	.	PUNCT
afbr-600	304	1	ltdr	ltdr	PROPN
afbr-600	304	2	-0.067112	-0.067112	PUNCT
afbr-600	305	1	-0.927541	-0.927541	X
afbr-600	306	1	0.3608	0.3608	NUM
afbr-600	306	2	ltdr	ltdr	NOUN
afbr-600	306	3	0.058381	0.058381	NUM
afbr-600	306	4	1.613331	1.613331	NUM
afbr-600	306	5	0.1171	0.1171	NUM
afbr-600	306	6	blr	blr	PROPN
afbr-600	306	7	-0.395088	-0.395088	PROPN
afbr-600	306	8	-1.713754	-1.713754	NOUN
afbr-600	307	1	0.0966	0.0966	NUM
afbr-600	307	2	blr	blr	PROPN
afbr-600	307	3	-0.077273	-0.077273	PROPN
afbr-600	307	4	-0.677874	-0.677874	PROPN
afbr-600	308	1	0.5030	0.5030	NUM
afbr-600	308	2	c	c	NOUN
afbr-600	308	3	23.33372	23.33372	NUM
afbr-600	308	4	3.595452	3.595452	NUM
afbr-600	308	5	0.0011	0.0011	NUM
afbr-600	308	6	c	c	NOUN
afbr-600	308	7	5.842477	5.842477	NUM
afbr-600	308	8	1.662310	1.662310	NUM
afbr-600	308	9	0.1069	0.1069	NUM
afbr-600	308	10	r2	r2	PROPN
afbr-600	308	11	0.109700	0.109700	NUM
afbr-600	308	12	r2	r2	PROPN
afbr-600	308	13	0.811046	0.811046	NUM
afbr-600	308	14	adj	adj	PROPN
afbr-600	308	15	r2	r2	PROPN
afbr-600	308	16	0.052261	0.052261	NUM
afbr-600	308	17	adj	adj	PROPN
afbr-600	308	18	r2	r2	PROPN
afbr-600	308	19	0.792150	0.792150	PROPN
afbr-600	308	20	f	f	X
afbr-600	308	21	-	-	PUNCT
afbr-600	308	22	stat	stat	VERB
afbr-600	308	23	1.909860	1.909860	NUM
afbr-600	308	24	f	f	NOUN
afbr-600	308	25	-	-	PUNCT
afbr-600	308	26	stat	stat	VERB
afbr-600	308	27	42.92288	42.92288	NUM
afbr-600	308	28	f	f	NOUN
afbr-600	308	29	-	-	PUNCT
afbr-600	308	30	prob	prob	ADJ
afbr-600	308	31	0.165126	0.165126	NUM
afbr-600	308	32	f	f	X
afbr-600	308	33	-	-	PUNCT
afbr-600	308	34	prob	prob	NOUN
afbr-600	308	35	0.000000	0.000000	NUM
afbr-600	308	36	dw	dw	PROPN
afbr-600	308	37	0.218049	0.218049	NUM
afbr-600	308	38	dw	dw	PROPN
afbr-600	308	39	0.557335	0.557335	NUM
afbr-600	308	40	source	source	NOUN
afbr-600	308	41	:	:	PUNCT
afbr-600	308	42	extract	extract	NOUN
afbr-600	308	43	from	from	ADP
afbr-600	308	44	e	e	NOUN
afbr-600	308	45	-	-	NOUN
afbr-600	308	46	view	view	VERB
afbr-600	308	47	9.0	9.0	NUM
afbr-600	308	48	the	the	DET
afbr-600	308	49	results	result	NOUN
afbr-600	308	50	of	of	ADP
afbr-600	308	51	the	the	DET
afbr-600	308	52	short	short	ADJ
afbr-600	308	53	-	-	PUNCT
afbr-600	308	54	run	run	NOUN
afbr-600	308	55	estimation	estimation	NOUN
afbr-600	308	56	are	be	AUX
afbr-600	308	57	presented	present	VERB
afbr-600	308	58	in	in	ADP
afbr-600	308	59	table	table	NOUN
afbr-600	308	60	1	1	NUM
afbr-600	308	61	above	above	ADP
afbr-600	308	62	along	along	ADP
afbr-600	308	63	with	with	ADP
afbr-600	308	64	the	the	DET
afbr-600	308	65	corresponding	corresponding	ADJ
afbr-600	308	66	diagnostic	diagnostic	ADJ
afbr-600	308	67	tests	test	NOUN
afbr-600	308	68	in	in	ADP
afbr-600	308	69	tables	table	NOUN
afbr-600	308	70	below	below	ADV
afbr-600	308	71	.	.	PUNCT
afbr-600	309	1	to	to	PART
afbr-600	309	2	find	find	VERB
afbr-600	309	3	out	out	ADP
afbr-600	309	4	how	how	SCONJ
afbr-600	309	5	well	well	ADV
afbr-600	309	6	the	the	DET
afbr-600	309	7	model	model	NOUN
afbr-600	309	8	fits	fit	VERB
afbr-600	309	9	a	a	DET
afbr-600	309	10	set	set	NOUN
afbr-600	309	11	of	of	ADP
afbr-600	309	12	observations	observation	NOUN
afbr-600	309	13	,	,	PUNCT
afbr-600	309	14	the	the	DET
afbr-600	309	15	r2	r2	PROPN
afbr-600	309	16	indicates	indicate	VERB
afbr-600	309	17	that	that	SCONJ
afbr-600	309	18	10	10	NUM
afbr-600	309	19	percent	percent	NOUN
afbr-600	309	20	and	and	CCONJ
afbr-600	309	21	81	81	NUM
afbr-600	309	22	percent	percent	NOUN
afbr-600	309	23	of	of	ADP
afbr-600	309	24	the	the	DET
afbr-600	309	25	variation	variation	NOUN
afbr-600	309	26	in	in	ADP
afbr-600	309	27	credit	credit	NOUN
afbr-600	309	28	to	to	ADP
afbr-600	309	29	private	private	ADJ
afbr-600	309	30	sector	sector	NOUN
afbr-600	309	31	and	and	CCONJ
afbr-600	309	32	core	core	NOUN
afbr-600	309	33	credit	credit	NOUN
afbr-600	309	34	to	to	ADP
afbr-600	309	35	the	the	DET
afbr-600	309	36	private	private	ADJ
afbr-600	309	37	sector	sector	NOUN
afbr-600	309	38	is	be	AUX
afbr-600	309	39	explained	explain	VERB
afbr-600	309	40	within	within	ADP
afbr-600	309	41	the	the	DET
afbr-600	309	42	model	model	NOUN
afbr-600	309	43	.	.	PUNCT
afbr-600	310	1	nonetheless	nonetheless	ADV
afbr-600	310	2	,	,	PUNCT
afbr-600	310	3	the	the	DET
afbr-600	310	4	r2	r2	NOUN
afbr-600	310	5	can	can	AUX
afbr-600	310	6	not	not	PART
afbr-600	310	7	determine	determine	VERB
afbr-600	310	8	whether	whether	SCONJ
afbr-600	310	9	the	the	DET
afbr-600	310	10	coefficient	coefficient	NOUN
afbr-600	310	11	estimates	estimate	NOUN
afbr-600	310	12	and	and	CCONJ
afbr-600	310	13	predictions	prediction	NOUN
afbr-600	310	14	are	be	AUX
afbr-600	310	15	biased	bias	VERB
afbr-600	310	16	,	,	PUNCT
afbr-600	310	17	hence	hence	ADV
afbr-600	310	18	further	further	ADJ
afbr-600	310	19	assessment	assessment	NOUN
afbr-600	310	20	of	of	ADP
afbr-600	310	21	the	the	DET
afbr-600	310	22	residuals	residual	NOUN
afbr-600	310	23	is	be	AUX
afbr-600	310	24	necessary	necessary	ADJ
afbr-600	310	25	.	.	PUNCT
afbr-600	311	1	from	from	ADP
afbr-600	311	2	the	the	DET
afbr-600	311	3	results	result	NOUN
afbr-600	311	4	it	it	PRON
afbr-600	311	5	could	could	AUX
afbr-600	311	6	also	also	ADV
afbr-600	311	7	be	be	AUX
afbr-600	311	8	deduced	deduce	VERB
afbr-600	311	9	that	that	SCONJ
afbr-600	311	10	loan	loan	NOUN
afbr-600	311	11	to	to	PART
afbr-600	311	12	deposit	deposit	VERB
afbr-600	311	13	ratio	ratio	NOUN
afbr-600	311	14	and	and	CCONJ
afbr-600	311	15	bank	bank	NOUN
afbr-600	311	16	liquidity	liquidity	NOUN
afbr-600	311	17	ratio	ratio	NOUN
afbr-600	311	18	have	have	VERB
afbr-600	311	19	negative	negative	ADJ
afbr-600	311	20	effect	effect	NOUN
afbr-600	311	21	on	on	ADP
afbr-600	311	22	credit	credit	NOUN
afbr-600	311	23	to	to	ADP
afbr-600	311	24	private	private	ADJ
afbr-600	311	25	sector	sector	NOUN
afbr-600	311	26	.	.	PUNCT
afbr-600	312	1	furthermore	furthermore	ADV
afbr-600	312	2	,	,	PUNCT
afbr-600	312	3	from	from	ADP
afbr-600	312	4	the	the	DET
afbr-600	312	5	results	result	NOUN
afbr-600	312	6	it	it	PRON
afbr-600	312	7	could	could	AUX
afbr-600	312	8	be	be	AUX
afbr-600	312	9	deduced	deduce	VERB
afbr-600	312	10	that	that	SCONJ
afbr-600	312	11	loan	loan	NOUN
afbr-600	312	12	to	to	PART
afbr-600	312	13	deposit	deposit	NOUN
afbr-600	312	14	ratio	ratio	NOUN
afbr-600	312	15	has	have	VERB
afbr-600	312	16	positive	positive	ADJ
afbr-600	312	17	effect	effect	NOUN
afbr-600	312	18	while	while	SCONJ
afbr-600	312	19	bank	bank	NOUN
afbr-600	312	20	liquidity	liquidity	NOUN
afbr-600	312	21	ratio	ratio	NOUN
afbr-600	312	22	has	have	VERB
afbr-600	312	23	negative	negative	ADJ
afbr-600	312	24	effect	effect	NOUN
afbr-600	312	25	on	on	ADP
afbr-600	312	26	credit	credit	NOUN
afbr-600	312	27	to	to	ADP
afbr-600	312	28	core	core	VERB
afbr-600	312	29	credit	credit	NOUN
afbr-600	312	30	to	to	ADP
afbr-600	312	31	private	private	ADJ
afbr-600	312	32	sector	sector	NOUN
afbr-600	312	33	.	.	PUNCT
afbr-600	313	1	table	table	NOUN
afbr-600	313	2	2	2	NUM
afbr-600	313	3	:	:	PUNCT
afbr-600	313	4	unit	unit	NOUN
afbr-600	313	5	root	root	PROPN
afbr-600	313	6	test	test	NOUN
afbr-600	313	7	dmbs	dmb	NOUN
afbr-600	313	8	policy	policy	NOUN
afbr-600	313	9	and	and	CCONJ
afbr-600	313	10	credit	credit	NOUN
afbr-600	313	11	to	to	ADP
afbr-600	313	12	private	private	ADJ
afbr-600	313	13	sector	sector	NOUN
afbr-600	313	14	dmbs	dmb	NOUN
afbr-600	313	15	policy	policy	NOUN
afbr-600	313	16	and	and	CCONJ
afbr-600	313	17	credit	credit	NOUN
afbr-600	313	18	to	to	PART
afbr-600	313	19	core	core	VERB
afbr-600	314	1	private	private	ADJ
afbr-600	314	2	sector	sector	NOUN
afbr-600	314	3	variable	variable	ADJ
afbr-600	314	4	adf	adf	PROPN
afbr-600	314	5	5	5	NUM
afbr-600	314	6	%	%	NOUN
afbr-600	314	7	prob	prob	NOUN
afbr-600	314	8	.	.	PUNCT
afbr-600	315	1	variable	variable	ADJ
afbr-600	315	2	adf	adf	PROPN
afbr-600	315	3	5	5	NUM
afbr-600	315	4	%	%	NOUN
afbr-600	315	5	prob	prob	NOUN
afbr-600	315	6	.	.	PUNCT
afbr-600	316	1	cps	cps	PROPN
afbr-600	317	1	-4.639432	-4.639432	PROPN
afbr-600	317	2	-2.960411	-2.960411	PUNCT
afbr-600	318	1	0.0000	0.0000	NUM
afbr-600	318	2	ccps	ccp	NOUN
afbr-600	318	3	-9.705692	-9.705692	X
afbr-600	318	4	-2.960411	-2.960411	VERB
afbr-600	319	1	0.0000	0.0000	NUM
afbr-600	319	2	ltdr	ltdr	PROPN
afbr-600	319	3	-4.216364	-4.216364	NOUN
afbr-600	319	4	-2.954021	-2.954021	PROPN
afbr-600	319	5	0.0000	0.0000	NUM
afbr-600	319	6	ltdr	ltdr	PROPN
afbr-600	319	7	-4.216364	-4.216364	NOUN
afbr-600	319	8	-2.954021	-2.954021	PROPN
afbr-600	320	1	0.0000	0.0000	NUM
afbr-600	320	2	blr	blr	PROPN
afbr-600	320	3	-7.235884	-7.235884	PROPN
afbr-600	320	4	-2.967767	-2.967767	PROPN
afbr-600	320	5	0.0000	0.0000	NUM
afbr-600	320	6	blr	blr	PROPN
afbr-600	320	7	-7.235884	-7.235884	PROPN
afbr-600	320	8	-2.967767	-2.967767	PROPN
afbr-600	320	9	0.0000	0.0000	NUM
afbr-600	320	10	source	source	NOUN
afbr-600	320	11	:	:	PUNCT
afbr-600	320	12	extract	extract	NOUN
afbr-600	320	13	from	from	ADP
afbr-600	320	14	e	e	NOUN
afbr-600	320	15	-	-	NOUN
afbr-600	320	16	view	view	ADJ
afbr-600	320	17	9.0	9.0	NUM
afbr-600	320	18	(	(	PUNCT
afbr-600	320	19	2020	2020	NUM
afbr-600	320	20	)	)	PUNCT
afbr-600	320	21	the	the	DET
afbr-600	320	22	time	time	NOUN
afbr-600	320	23	series	series	NOUN
afbr-600	320	24	properties	property	NOUN
afbr-600	320	25	of	of	ADP
afbr-600	320	26	the	the	DET
afbr-600	320	27	variables	variable	NOUN
afbr-600	320	28	used	use	VERB
afbr-600	320	29	in	in	ADP
afbr-600	320	30	the	the	DET
afbr-600	320	31	analysis	analysis	NOUN
afbr-600	320	32	was	be	AUX
afbr-600	320	33	investigated	investigate	VERB
afbr-600	320	34	using	use	VERB
afbr-600	320	35	augmented	augment	VERB
afbr-600	320	36	dickey	dickey	PROPN
afbr-600	320	37	-	-	PUNCT
afbr-600	320	38	fuller	full	ADJ
afbr-600	320	39	test	test	NOUN
afbr-600	320	40	.	.	PUNCT
afbr-600	321	1	the	the	DET
afbr-600	321	2	test	test	NOUN
afbr-600	321	3	was	be	AUX
afbr-600	321	4	run	run	VERB
afbr-600	321	5	with	with	ADP
afbr-600	321	6	specification	specification	NOUN
afbr-600	321	7	of	of	ADP
afbr-600	321	8	trend	trend	NOUN
afbr-600	321	9	and	and	CCONJ
afbr-600	321	10	intercept	intercept	NOUN
afbr-600	321	11	in	in	ADP
afbr-600	321	12	the	the	DET
afbr-600	321	13	model	model	NOUN
afbr-600	321	14	.	.	PUNCT
afbr-600	322	1	the	the	DET
afbr-600	322	2	adf	adf	PROPN
afbr-600	322	3	statistics	statistic	NOUN
afbr-600	322	4	for	for	ADP
afbr-600	322	5	the	the	DET
afbr-600	322	6	test	test	NOUN
afbr-600	322	7	are	be	AUX
afbr-600	322	8	presented	present	VERB
afbr-600	322	9	in	in	ADP
afbr-600	322	10	the	the	DET
afbr-600	322	11	table	table	NOUN
afbr-600	322	12	2	2	NUM
afbr-600	322	13	above	above	ADV
afbr-600	322	14	.	.	PUNCT
afbr-600	323	1	it	it	PRON
afbr-600	323	2	can	can	AUX
afbr-600	323	3	be	be	AUX
afbr-600	323	4	seen	see	VERB
afbr-600	323	5	from	from	ADP
afbr-600	323	6	the	the	DET
afbr-600	323	7	table	table	NOUN
afbr-600	323	8	above	above	ADP
afbr-600	323	9	that	that	SCONJ
afbr-600	323	10	the	the	DET
afbr-600	323	11	unit	unit	NOUN
afbr-600	323	12	root	root	NOUN
afbr-600	323	13	test	test	NOUN
afbr-600	323	14	results	result	NOUN
afbr-600	323	15	,	,	PUNCT
afbr-600	323	16	using	use	VERB
afbr-600	323	17	the	the	DET
afbr-600	323	18	adf	adf	PROPN
afbr-600	323	19	unit	unit	NOUN
afbr-600	323	20	root	root	PROPN
afbr-600	323	21	test	test	NOUN
afbr-600	323	22	suggest	suggest	VERB
afbr-600	323	23	that	that	SCONJ
afbr-600	323	24	all	all	DET
afbr-600	323	25	series	serie	NOUN
afbr-600	323	26	are	be	AUX
afbr-600	323	27	stationary	stationary	ADJ
afbr-600	323	28	at	at	ADP
afbr-600	323	29	order	order	NOUN
afbr-600	324	1	i	i	PRON
afbr-600	324	2	(	(	PUNCT
afbr-600	324	3	1	1	NUM
afbr-600	324	4	)	)	PUNCT
afbr-600	324	5	because	because	SCONJ
afbr-600	324	6	they	they	PRON
afbr-600	324	7	become	become	VERB
afbr-600	324	8	stationary	stationary	ADJ
afbr-600	324	9	after	after	ADP
afbr-600	324	10	being	be	AUX
afbr-600	324	11	differenced	difference	VERB
afbr-600	324	12	once	once	ADV
afbr-600	324	13	.	.	PUNCT
afbr-600	325	1	therefore	therefore	ADV
afbr-600	325	2	,	,	PUNCT
afbr-600	325	3	the	the	DET
afbr-600	325	4	engle	engle	NOUN
afbr-600	325	5	and	and	CCONJ
afbr-600	325	6	granger	granger	PROPN
afbr-600	325	7	(	(	PUNCT
afbr-600	325	8	1987	1987	NUM
afbr-600	325	9	)	)	PUNCT
afbr-600	325	10	can	can	AUX
afbr-600	325	11	be	be	AUX
afbr-600	325	12	employed	employ	VERB
afbr-600	325	13	.	.	PUNCT
afbr-600	326	1	table	table	NOUN
afbr-600	326	2	3	3	NUM
afbr-600	326	3	:	:	PUNCT
afbr-600	326	4	co	co	ADJ
afbr-600	326	5	-	-	NOUN
afbr-600	326	6	integration	integration	NOUN
afbr-600	326	7	test	test	NOUN
afbr-600	326	8	hypothesized	hypothesize	VERB
afbr-600	326	9	no	no	ADP
afbr-600	326	10	.	.	PUNCT
afbr-600	326	11	of	of	ADP
afbr-600	326	12	ce(s	ce(s	ADV
afbr-600	326	13	)	)	PUNCT
afbr-600	326	14	eigenvalue	eigenvalue	NOUN
afbr-600	326	15	trace	trace	NOUN
afbr-600	326	16	statistic	statistic	NOUN
afbr-600	326	17	0.05	0.05	NUM
afbr-600	326	18	critical	critical	ADJ
afbr-600	326	19	prob	prob	NOUN
afbr-600	326	20	.	.	PUNCT
afbr-600	327	1	*	*	PUNCT
afbr-600	327	2	*	*	PUNCT
afbr-600	327	3	hypothesized	hypothesized	ADJ
afbr-600	327	4	no	no	INTJ
afbr-600	327	5	.	.	PUNCT
afbr-600	327	6	of	of	ADP
afbr-600	327	7	ce(s	ce(s	ADV
afbr-600	327	8	)	)	PUNCT
afbr-600	327	9	eigenvalue	eigenvalue	NOUN
afbr-600	327	10	trace	trace	NOUN
afbr-600	327	11	statistic	statistic	NOUN
afbr-600	327	12	0.05	0.05	NUM
afbr-600	327	13	critical	critical	ADJ
afbr-600	327	14	prob	prob	NOUN
afbr-600	327	15	.	.	PUNCT
afbr-600	328	1	*	*	PUNCT
afbr-600	329	1	*	*	PUNCT
afbr-600	330	1	copyright	copyright	NOUN
afbr-600	330	2	©	©	PROPN
afbr-600	330	3	cc	cc	PROPN
afbr-600	330	4	-	-	PUNCT
afbr-600	330	5	by	by	ADP
afbr-600	330	6	-	-	PUNCT
afbr-600	330	7	nc	nc	PROPN
afbr-600	330	8	2019	2019	NUM
afbr-600	330	9	,	,	PUNCT
afbr-600	330	10	cribfb	cribfb	PROPN
afbr-600	330	11	|	|	ADV
afbr-600	330	12	afbr	afbr	PROPN
afbr-600	330	13	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	330	14	australian	australian	ADJ
afbr-600	330	15	finance	finance	PROPN
afbr-600	330	16	&	&	CCONJ
afbr-600	330	17	banking	banking	PROPN
afbr-600	330	18	review	review	PROPN
afbr-600	330	19	vol	vol	NOUN
afbr-600	330	20	.	.	PROPN
afbr-600	330	21	4	4	NUM
afbr-600	330	22	,	,	PUNCT
afbr-600	330	23	no	no	INTJ
afbr-600	330	24	.	.	NOUN
afbr-600	330	25	1	1	NUM
afbr-600	330	26	;	;	PUNCT
afbr-600	330	27	2020	2020	NUM
afbr-600	330	28	28	28	NUM
afbr-600	330	29	value	value	NOUN
afbr-600	330	30	value	value	NOUN
afbr-600	330	31	dmbs	dmb	NOUN
afbr-600	330	32	policy	policy	NOUN
afbr-600	330	33	and	and	CCONJ
afbr-600	330	34	credit	credit	NOUN
afbr-600	330	35	to	to	ADP
afbr-600	330	36	private	private	ADJ
afbr-600	330	37	sector	sector	NOUN
afbr-600	330	38	dmbs	dmb	NOUN
afbr-600	330	39	policy	policy	NOUN
afbr-600	330	40	and	and	CCONJ
afbr-600	330	41	credit	credit	NOUN
afbr-600	330	42	to	to	PART
afbr-600	330	43	core	core	VERB
afbr-600	330	44	private	private	ADJ
afbr-600	330	45	sector	sector	NOUN
afbr-600	330	46	none	none	NOUN
afbr-600	330	47	*	*	PUNCT
afbr-600	331	1	0.543161	0.543161	NUM
afbr-600	331	2	25.06957	25.06957	NUM
afbr-600	331	3	21.13162	21.13162	NUM
afbr-600	331	4	0.0132	0.0132	NUM
afbr-600	331	5	none	none	NOUN
afbr-600	331	6	*	*	PUNCT
afbr-600	331	7	0.719047	0.719047	NUM
afbr-600	331	8	79.69140	79.69140	NUM
afbr-600	331	9	47.85613	47.85613	NUM
afbr-600	331	10	0.0000	0.0000	NUM
afbr-600	331	11	at	at	ADP
afbr-600	331	12	most	most	ADJ
afbr-600	331	13	1	1	NUM
afbr-600	331	14	0.319038	0.319038	NUM
afbr-600	331	15	12.29597	12.29597	NUM
afbr-600	331	16	14.26460	14.26460	NUM
afbr-600	331	17	0.1000	0.1000	NUM
afbr-600	331	18	at	at	ADP
afbr-600	331	19	most	most	ADV
afbr-600	331	20	1	1	NUM
afbr-600	331	21	*	*	NOUN
afbr-600	331	22	0.576459	0.576459	NUM
afbr-600	331	23	39.06521	39.06521	NUM
afbr-600	331	24	29.79707	29.79707	NUM
afbr-600	331	25	0.0032	0.0032	NUM
afbr-600	331	26	at	at	ADP
afbr-600	331	27	most	most	ADJ
afbr-600	331	28	2	2	NUM
afbr-600	331	29	0.034507	0.034507	NUM
afbr-600	331	30	1.123715	1.123715	NUM
afbr-600	331	31	3.841466	3.841466	NUM
afbr-600	331	32	0.2891	0.2891	NUM
afbr-600	331	33	at	at	ADP
afbr-600	331	34	most	most	ADJ
afbr-600	331	35	2	2	NUM
afbr-600	331	36	0.288596	0.288596	NUM
afbr-600	331	37	11.57389	11.57389	NUM
afbr-600	331	38	15.49471	15.49471	NUM
afbr-600	331	39	0.1785	0.1785	NUM
afbr-600	331	40	source	source	NOUN
afbr-600	331	41	:	:	PUNCT
afbr-600	331	42	extract	extract	NOUN
afbr-600	331	43	from	from	ADP
afbr-600	331	44	e	e	NOUN
afbr-600	331	45	-	-	NOUN
afbr-600	331	46	view	view	NOUN
afbr-600	331	47	9.0	9.0	NUM
afbr-600	331	48	from	from	ADP
afbr-600	331	49	table	table	NOUN
afbr-600	331	50	3	3	NUM
afbr-600	331	51	above	above	ADP
afbr-600	331	52	the	the	DET
afbr-600	331	53	results	result	NOUN
afbr-600	331	54	of	of	ADP
afbr-600	331	55	the	the	DET
afbr-600	331	56	johansen	johansen	PROPN
afbr-600	331	57	co	co	PROPN
afbr-600	331	58	-	-	NOUN
afbr-600	331	59	integration	integration	NOUN
afbr-600	331	60	test	test	NOUN
afbr-600	331	61	show	show	NOUN
afbr-600	331	62	that	that	SCONJ
afbr-600	331	63	we	we	PRON
afbr-600	331	64	adopt	adopt	VERB
afbr-600	331	65	the	the	DET
afbr-600	331	66	null	null	ADJ
afbr-600	331	67	hypotheses	hypothesis	NOUN
afbr-600	331	68	of	of	ADP
afbr-600	331	69	no	no	DET
afbr-600	331	70	co	co	ADJ
afbr-600	331	71	-	-	ADJ
afbr-600	331	72	integrating	integrating	ADJ
afbr-600	331	73	equation	equation	NOUN
afbr-600	331	74	at	at	ADP
afbr-600	331	75	the	the	DET
afbr-600	331	76	5	5	NUM
afbr-600	331	77	%	%	NOUN
afbr-600	331	78	level	level	NOUN
afbr-600	331	79	of	of	ADP
afbr-600	331	80	significance	significance	NOUN
afbr-600	331	81	.	.	PUNCT
afbr-600	332	1	this	this	PRON
afbr-600	332	2	implies	imply	VERB
afbr-600	332	3	that	that	SCONJ
afbr-600	332	4	,	,	PUNCT
afbr-600	332	5	there	there	PRON
afbr-600	332	6	is	be	VERB
afbr-600	332	7	no	no	DET
afbr-600	332	8	linear	linear	ADJ
afbr-600	332	9	combination	combination	NOUN
afbr-600	332	10	of	of	ADP
afbr-600	332	11	the	the	DET
afbr-600	332	12	variables	variable	NOUN
afbr-600	332	13	that	that	PRON
afbr-600	332	14	are	be	AUX
afbr-600	332	15	stationary	stationary	ADJ
afbr-600	332	16	in	in	ADP
afbr-600	332	17	the	the	DET
afbr-600	332	18	long	long	ADJ
afbr-600	332	19	run	run	NOUN
afbr-600	332	20	and	and	CCONJ
afbr-600	332	21	also	also	ADV
afbr-600	332	22	confirms	confirm	VERB
afbr-600	332	23	the	the	DET
afbr-600	332	24	existence	existence	NOUN
afbr-600	332	25	of	of	ADP
afbr-600	332	26	a	a	DET
afbr-600	332	27	long	long	ADV
afbr-600	332	28	-	-	PUNCT
afbr-600	332	29	run	run	NOUN
afbr-600	332	30	relationship	relationship	NOUN
afbr-600	332	31	between	between	ADP
afbr-600	332	32	monetary	monetary	ADJ
afbr-600	332	33	policy	policy	NOUN
afbr-600	332	34	variables	variable	NOUN
afbr-600	332	35	and	and	CCONJ
afbr-600	332	36	credit	credit	NOUN
afbr-600	332	37	to	to	ADP
afbr-600	332	38	private	private	ADJ
afbr-600	332	39	sector	sector	NOUN
afbr-600	332	40	and	and	CCONJ
afbr-600	332	41	credit	credit	NOUN
afbr-600	332	42	to	to	PART
afbr-600	332	43	core	core	VERB
afbr-600	332	44	private	private	ADJ
afbr-600	332	45	sector	sector	NOUN
afbr-600	332	46	.	.	PUNCT
afbr-600	333	1	table	table	NOUN
afbr-600	333	2	4	4	NUM
afbr-600	333	3	:	:	PUNCT
afbr-600	333	4	error	error	NOUN
afbr-600	333	5	correction	correction	NOUN
afbr-600	333	6	model	model	NOUN
afbr-600	333	7	dmbs	dmb	NOUN
afbr-600	333	8	policy	policy	NOUN
afbr-600	333	9	and	and	CCONJ
afbr-600	333	10	credit	credit	NOUN
afbr-600	333	11	to	to	ADP
afbr-600	333	12	private	private	ADJ
afbr-600	333	13	sector	sector	NOUN
afbr-600	333	14	dmbs	dmb	NOUN
afbr-600	333	15	policy	policy	NOUN
afbr-600	333	16	and	and	CCONJ
afbr-600	333	17	credit	credit	NOUN
afbr-600	333	18	to	to	PART
afbr-600	333	19	core	core	VERB
afbr-600	334	1	private	private	ADJ
afbr-600	334	2	sector	sector	NOUN
afbr-600	334	3	variable	variable	ADJ
afbr-600	334	4	coefficient	coefficient	NOUN
afbr-600	334	5	t	t	PROPN
afbr-600	334	6	-	-	PUNCT
afbr-600	334	7	test	test	NOUN
afbr-600	334	8	prob	prob	NOUN
afbr-600	334	9	.	.	PUNCT
afbr-600	335	1	variable	variable	ADJ
afbr-600	335	2	coefficient	coefficient	PROPN
afbr-600	335	3	t	t	PROPN
afbr-600	335	4	-	-	PUNCT
afbr-600	335	5	test	test	NOUN
afbr-600	335	6	prob	prob	NOUN
afbr-600	335	7	.	.	PUNCT
afbr-600	336	1	c	c	NOUN
afbr-600	336	2	0.564197	0.564197	NUM
afbr-600	336	3	1.407637	1.407637	NUM
afbr-600	336	4	0.1754	0.1754	NUM
afbr-600	336	5	d(ccps(-1	d(ccps(-1	PROPN
afbr-600	336	6	)	)	PUNCT
afbr-600	336	7	)	)	PUNCT
afbr-600	337	1	0.131719	0.131719	NUM
afbr-600	337	2	1.275962	1.275962	NUM
afbr-600	337	3	0.2202	0.2202	NUM
afbr-600	337	4	d(cps(-1	d(cps(-1	NUM
afbr-600	337	5	)	)	PUNCT
afbr-600	337	6	)	)	PUNCT
afbr-600	337	7	0.279625	0.279625	NUM
afbr-600	337	8	1.206350	1.206350	NUM
afbr-600	337	9	0.2425	0.2425	NUM
afbr-600	337	10	d(ccps(-2	d(ccps(-2	NOUN
afbr-600	337	11	)	)	PUNCT
afbr-600	337	12	)	)	PUNCT
afbr-600	338	1	0.148021	0.148021	NUM
afbr-600	338	2	0.262307	0.262307	NUM
afbr-600	338	3	0.7964	0.7964	NUM
afbr-600	338	4	d(cps(-2	d(cps(-2	NOUN
afbr-600	338	5	)	)	PUNCT
afbr-600	338	6	)	)	PUNCT
afbr-600	339	1	-0.415204	-0.415204	PROPN
afbr-600	339	2	-1.849144	-1.849144	X
afbr-600	340	1	0.0801	0.0801	NUM
afbr-600	340	2	d(ccps(-3	d(ccps(-3	NOUN
afbr-600	340	3	)	)	PUNCT
afbr-600	340	4	)	)	PUNCT
afbr-600	341	1	-0.764760	-0.764760	NOUN
afbr-600	341	2	0.335028	0.335028	NUM
afbr-600	341	3	0.7420	0.7420	NUM
afbr-600	341	4	d(cps(-3	d(cps(-3	NOUN
afbr-600	341	5	)	)	PUNCT
afbr-600	341	6	)	)	PUNCT
afbr-600	342	1	-0.057267	-0.057267	NOUN
afbr-600	342	2	-0.242831	-0.242831	VERB
afbr-600	343	1	0.8107	0.8107	NUM
afbr-600	343	2	d(ltdr(-1	d(ltdr(-1	NUM
afbr-600	343	3	)	)	PUNCT
afbr-600	343	4	)	)	PUNCT
afbr-600	343	5	-0.033402	-0.033402	NOUN
afbr-600	343	6	-1.360830	-1.360830	PROPN
afbr-600	344	1	0.1924	0.1924	NUM
afbr-600	344	2	d(ltdr(-1	d(ltdr(-1	ADJ
afbr-600	344	3	)	)	PUNCT
afbr-600	344	4	)	)	PUNCT
afbr-600	345	1	0.011215	0.011215	NUM
afbr-600	345	2	0.310737	0.310737	NUM
afbr-600	345	3	0.7594	0.7594	NUM
afbr-600	345	4	d(ltdr(-2	d(ltdr(-2	NOUN
afbr-600	345	5	)	)	PUNCT
afbr-600	345	6	)	)	PUNCT
afbr-600	345	7	0.071733	0.071733	NUM
afbr-600	345	8	-0.657523	-0.657523	NOUN
afbr-600	345	9	0.5202	0.5202	NUM
afbr-600	345	10	d(ltdr(-2	d(ltdr(-2	NOUN
afbr-600	345	11	)	)	PUNCT
afbr-600	345	12	)	)	PUNCT
afbr-600	346	1	0.009938	0.009938	NUM
afbr-600	346	2	0.294156	0.294156	NUM
afbr-600	346	3	0.7718	0.7718	NUM
afbr-600	346	4	d(ltdr(-3	d(ltdr(-3	NOUN
afbr-600	346	5	)	)	PUNCT
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afbr-600	347	1	0.001541	0.001541	NUM
afbr-600	347	2	1.491720	1.491720	NUM
afbr-600	347	3	0.1552	0.1552	NUM
afbr-600	347	4	d(ltdr(-3	d(ltdr(-3	NOUN
afbr-600	347	5	)	)	PUNCT
afbr-600	347	6	)	)	PUNCT
afbr-600	348	1	0.078231	0.078231	NUM
afbr-600	348	2	2.279508	2.279508	NUM
afbr-600	348	3	0.0344	0.0344	NUM
afbr-600	348	4	d(blr(-1	d(blr(-1	VERB
afbr-600	348	5	)	)	PUNCT
afbr-600	348	6	)	)	PUNCT
afbr-600	349	1	-0.094156	-0.094156	PROPN
afbr-600	349	2	0.028357	0.028357	NUM
afbr-600	349	3	0.9777	0.9777	NUM
afbr-600	349	4	d(blr(-1	d(blr(-1	VERB
afbr-600	349	5	)	)	PUNCT
afbr-600	349	6	)	)	PUNCT
afbr-600	350	1	0.049728	0.049728	VERB
afbr-600	350	2	0.468390	0.468390	NUM
afbr-600	350	3	0.6448	0.6448	NUM
afbr-600	350	4	d(blr(-2	d(blr(-2	NOUN
afbr-600	350	5	)	)	PUNCT
afbr-600	350	6	)	)	PUNCT
afbr-600	351	1	0.055822	0.055822	NUM
afbr-600	351	2	-0.690108	-0.690108	NOUN
afbr-600	351	3	0.5000	0.5000	NUM
afbr-600	351	4	d(blr(-2	d(blr(-2	NOUN
afbr-600	351	5	)	)	PUNCT
afbr-600	351	6	)	)	PUNCT
afbr-600	351	7	-0.124536	-0.124536	NOUN
afbr-600	351	8	-1.172818	-1.172818	NOUN
afbr-600	352	1	0.2554	0.2554	NUM
afbr-600	352	2	d(blr(-3	d(blr(-3	NOUN
afbr-600	352	3	)	)	PUNCT
afbr-600	352	4	)	)	PUNCT
afbr-600	353	1	-0.076869	-0.076869	PUNCT
afbr-600	354	1	0.353759	0.353759	NUM
afbr-600	354	2	0.7281	0.7281	NUM
afbr-600	354	3	d(blr(-3	d(blr(-3	NOUN
afbr-600	354	4	)	)	PUNCT
afbr-600	354	5	)	)	PUNCT
afbr-600	355	1	-0.034666	-0.034666	ADJ
afbr-600	355	2	-0.355103	-0.355103	VERB
afbr-600	355	3	0.7264	0.7264	NUM
afbr-600	355	4	ecm(-1	ecm(-1	ADJ
afbr-600	355	5	)	)	PUNCT
afbr-600	355	6	0.379914	0.379914	NUM
afbr-600	355	7	-0.576592	-0.576592	NOUN
afbr-600	355	8	0.5722	0.5722	NUM
afbr-600	355	9	ecm(-1	ecm(-1	ADJ
afbr-600	355	10	)	)	PUNCT
afbr-600	355	11	-0.031462	-0.031462	NOUN
afbr-600	355	12	-0.385968	-0.385968	VERB
afbr-600	356	1	0.7038	0.7038	NUM
afbr-600	356	2	r2	r2	NOUN
afbr-600	356	3	0.408549	0.408549	NUM
afbr-600	356	4	r2	r2	NOUN
afbr-600	356	5	0.281129	0.281129	NUM
afbr-600	356	6	adj	adj	X
afbr-600	356	7	r2	r2	PROPN
afbr-600	356	8	0.097260	0.097260	NUM
afbr-600	356	9	adj	adj	X
afbr-600	356	10	r2	r2	PROPN
afbr-600	356	11	0.102954	0.102954	NUM
afbr-600	356	12	f	f	X
afbr-600	356	13	-	-	PUNCT
afbr-600	356	14	stat	stat	VERB
afbr-600	356	15	1.312440	1.312440	NUM
afbr-600	356	16	f	f	NOUN
afbr-600	356	17	-	-	PUNCT
afbr-600	356	18	stat	stat	VERB
afbr-600	356	19	0.481317	0.481317	NUM
afbr-600	356	20	f	f	NOUN
afbr-600	356	21	-	-	PUNCT
afbr-600	356	22	prob	prob	ADJ
afbr-600	356	23	0.292124	0.292124	NUM
afbr-600	356	24	f	f	NOUN
afbr-600	356	25	-	-	PUNCT
afbr-600	356	26	prob	prob	NOUN
afbr-600	356	27	0.905265	0.905265	NUM
afbr-600	356	28	dw	dw	PROPN
afbr-600	356	29	1.757685	1.757685	NUM
afbr-600	356	30	dw	dw	PROPN
afbr-600	356	31	2.025376	2.025376	NUM
afbr-600	356	32	source	source	NOUN
afbr-600	356	33	:	:	PUNCT
afbr-600	356	34	extract	extract	NOUN
afbr-600	356	35	from	from	ADP
afbr-600	356	36	e	e	NOUN
afbr-600	356	37	-	-	NOUN
afbr-600	356	38	view	view	VERB
afbr-600	356	39	9.0	9.0	NUM
afbr-600	356	40	the	the	DET
afbr-600	356	41	corresponding	correspond	VERB
afbr-600	356	42	sign	sign	NOUN
afbr-600	356	43	of	of	ADP
afbr-600	356	44	error	error	NOUN
afbr-600	356	45	correction	correction	NOUN
afbr-600	356	46	term	term	NOUN
afbr-600	356	47	(	(	PUNCT
afbr-600	356	48	ect	ect	X
afbr-600	356	49	)	)	PUNCT
afbr-600	356	50	is	be	AUX
afbr-600	356	51	negative	negative	ADJ
afbr-600	356	52	for	for	ADP
afbr-600	356	53	the	the	DET
afbr-600	356	54	models	model	NOUN
afbr-600	356	55	but	but	CCONJ
afbr-600	356	56	not	not	PART
afbr-600	356	57	significant	significant	ADJ
afbr-600	356	58	.	.	PUNCT
afbr-600	357	1	this	this	PRON
afbr-600	357	2	means	mean	VERB
afbr-600	357	3	that	that	SCONJ
afbr-600	357	4	there	there	PRON
afbr-600	357	5	is	be	VERB
afbr-600	357	6	a	a	DET
afbr-600	357	7	long	long	ADJ
afbr-600	357	8	run	run	NOUN
afbr-600	357	9	causality	causality	NOUN
afbr-600	357	10	running	run	VERB
afbr-600	357	11	from	from	ADP
afbr-600	357	12	independent	independent	ADJ
afbr-600	357	13	variables	variable	NOUN
afbr-600	357	14	to	to	ADP
afbr-600	357	15	the	the	DET
afbr-600	357	16	dependent	dependent	ADJ
afbr-600	357	17	variable	variable	NOUN
afbr-600	357	18	.	.	PUNCT
afbr-600	358	1	the	the	DET
afbr-600	358	2	negative	negative	ADJ
afbr-600	358	3	sign	sign	NOUN
afbr-600	358	4	of	of	ADP
afbr-600	358	5	(	(	PUNCT
afbr-600	358	6	ect	ect	X
afbr-600	358	7	)	)	PUNCT
afbr-600	358	8	indicates	indicate	VERB
afbr-600	358	9	a	a	DET
afbr-600	358	10	move	move	NOUN
afbr-600	358	11	back	back	ADV
afbr-600	358	12	towards	towards	ADP
afbr-600	358	13	equilibrium	equilibrium	NOUN
afbr-600	358	14	following	follow	VERB
afbr-600	358	15	a	a	DET
afbr-600	358	16	shock	shock	NOUN
afbr-600	358	17	to	to	ADP
afbr-600	358	18	the	the	DET
afbr-600	358	19	system	system	NOUN
afbr-600	358	20	in	in	ADP
afbr-600	358	21	the	the	DET
afbr-600	358	22	previous	previous	ADJ
afbr-600	358	23	year	year	NOUN
afbr-600	358	24	.	.	PUNCT
afbr-600	359	1	the	the	DET
afbr-600	359	2	r2	r2	PROPN
afbr-600	359	3	from	from	ADP
afbr-600	359	4	the	the	DET
afbr-600	359	5	models	model	NOUN
afbr-600	359	6	proved	prove	VERB
afbr-600	359	7	that	that	SCONJ
afbr-600	359	8	the	the	DET
afbr-600	359	9	independent	independent	ADJ
afbr-600	359	10	variables	variable	NOUN
afbr-600	359	11	can	can	AUX
afbr-600	359	12	explain	explain	VERB
afbr-600	359	13	40	40	NUM
afbr-600	359	14	and	and	CCONJ
afbr-600	359	15	28	28	NUM
afbr-600	359	16	percent	percent	NOUN
afbr-600	359	17	changes	change	NOUN
afbr-600	359	18	on	on	ADP
afbr-600	359	19	the	the	DET
afbr-600	359	20	dependent	dependent	ADJ
afbr-600	359	21	variables	variable	NOUN
afbr-600	359	22	.	.	PUNCT
afbr-600	360	1	the	the	DET
afbr-600	360	2	models	model	NOUN
afbr-600	360	3	are	be	AUX
afbr-600	360	4	statistically	statistically	ADV
afbr-600	360	5	not	not	PART
afbr-600	360	6	significant	significant	ADJ
afbr-600	360	7	from	from	ADP
afbr-600	360	8	the	the	DET
afbr-600	360	9	value	value	NOUN
afbr-600	360	10	of	of	ADP
afbr-600	360	11	f	f	PROPN
afbr-600	360	12	-	-	PUNCT
afbr-600	360	13	statistics	statistic	NOUN
afbr-600	360	14	and	and	CCONJ
afbr-600	360	15	probability	probability	NOUN
afbr-600	360	16	.	.	PUNCT
afbr-600	361	1	however	however	ADV
afbr-600	361	2	,	,	PUNCT
afbr-600	361	3	the	the	DET
afbr-600	361	4	ecm	ecm	PROPN
afbr-600	361	5	coefficient	coefficient	NOUN
afbr-600	361	6	indicates	indicate	VERB
afbr-600	361	7	that	that	SCONJ
afbr-600	361	8	the	the	DET
afbr-600	361	9	models	model	NOUN
afbr-600	361	10	can	can	AUX
afbr-600	361	11	adjust	adjust	VERB
afbr-600	361	12	at	at	ADP
afbr-600	361	13	the	the	DET
afbr-600	361	14	speed	speed	NOUN
afbr-600	361	15	of	of	ADP
afbr-600	361	16	3	3	NUM
afbr-600	361	17	and	and	CCONJ
afbr-600	361	18	37	37	NUM
afbr-600	361	19	percent	percent	NOUN
afbr-600	361	20	annually	annually	ADV
afbr-600	361	21	.	.	PUNCT
afbr-600	362	1	the	the	DET
afbr-600	362	2	coefficient	coefficient	NOUN
afbr-600	362	3	of	of	ADP
afbr-600	362	4	the	the	DET
afbr-600	362	5	variables	variable	NOUN
afbr-600	362	6	defines	define	VERB
afbr-600	362	7	the	the	DET
afbr-600	362	8	effect	effect	NOUN
afbr-600	362	9	of	of	ADP
afbr-600	362	10	the	the	DET
afbr-600	362	11	independent	independent	ADJ
afbr-600	362	12	variables	variable	NOUN
afbr-600	362	13	on	on	ADP
afbr-600	362	14	the	the	DET
afbr-600	362	15	dependent	dependent	ADJ
afbr-600	362	16	variables	variable	NOUN
afbr-600	362	17	at	at	ADP
afbr-600	362	18	various	various	ADJ
afbr-600	362	19	lags	lag	NOUN
afbr-600	362	20	.	.	PUNCT
afbr-600	363	1	table	table	NOUN
afbr-600	363	2	5	5	NUM
afbr-600	363	3	:	:	PUNCT
afbr-600	363	4	granger	granger	PROPN
afbr-600	363	5	causality	causality	PROPN
afbr-600	363	6	test	test	NOUN
afbr-600	363	7	null	null	ADJ
afbr-600	363	8	hypothesis	hypothesis	NOUN
afbr-600	363	9	obs	obs	PROPN
afbr-600	363	10	f	f	PROPN
afbr-600	363	11	-	-	PUNCT
afbr-600	363	12	statistic	statistic	ADJ
afbr-600	363	13	prob	prob	NOUN
afbr-600	363	14	.	.	PUNCT
afbr-600	364	1	null	null	ADJ
afbr-600	364	2	hypothesis	hypothesis	NOUN
afbr-600	364	3	obs	obs	PROPN
afbr-600	364	4	f	f	PROPN
afbr-600	364	5	-	-	PUNCT
afbr-600	364	6	statistic	statistic	ADJ
afbr-600	364	7	prob	prob	NOUN
afbr-600	364	8	.	.	PUNCT
afbr-600	365	1	dmbs	dmb	NOUN
afbr-600	365	2	policy	policy	NOUN
afbr-600	365	3	and	and	CCONJ
afbr-600	365	4	credit	credit	NOUN
afbr-600	365	5	to	to	ADP
afbr-600	365	6	private	private	ADJ
afbr-600	365	7	sector	sector	NOUN
afbr-600	365	8	dmbs	dmb	NOUN
afbr-600	365	9	policy	policy	NOUN
afbr-600	365	10	and	and	CCONJ
afbr-600	365	11	credit	credit	NOUN
afbr-600	365	12	to	to	PART
afbr-600	365	13	core	core	VERB
afbr-600	365	14	private	private	ADJ
afbr-600	365	15	sector	sector	NOUN
afbr-600	365	16	ltdr	ltdr	NOUN
afbr-600	365	17	does	do	AUX
afbr-600	365	18	not	not	PART
afbr-600	365	19	granger	granger	AUX
afbr-600	365	20	cause	cause	VERB
afbr-600	365	21	cps	cps	PROPN
afbr-600	365	22	32	32	NUM
afbr-600	365	23	0.13568	0.13568	NUM
afbr-600	365	24	0.8737	0.8737	NUM
afbr-600	365	25	ltdr	ltdr	NOUN
afbr-600	365	26	does	do	AUX
afbr-600	365	27	not	not	PART
afbr-600	365	28	granger	granger	PROPN
afbr-600	365	29	cause	cause	VERB
afbr-600	365	30	ccps	ccp	NOUN
afbr-600	365	31	32	32	NUM
afbr-600	365	32	0.14328	0.14328	NUM
afbr-600	365	33	0.8672	0.8672	NUM
afbr-600	365	34	cps	cp	NOUN
afbr-600	365	35	does	do	AUX
afbr-600	365	36	not	not	PART
afbr-600	365	37	granger	granger	VERB
afbr-600	365	38	cause	cause	VERB
afbr-600	365	39	ltdr	ltdr	NOUN
afbr-600	365	40	32	32	NUM
afbr-600	365	41	0.17254	0.17254	NUM
afbr-600	365	42	0.8424	0.8424	NUM
afbr-600	365	43	ccps	ccp	NOUN
afbr-600	365	44	does	do	AUX
afbr-600	365	45	not	not	PART
afbr-600	365	46	granger	granger	VERB
afbr-600	365	47	cause	cause	VERB
afbr-600	365	48	ltdr	ltdr	NOUN
afbr-600	365	49	32	32	NUM
afbr-600	365	50	0.08213	0.08213	NUM
afbr-600	365	51	0.9214	0.9214	NUM
afbr-600	365	52	blr	blr	NOUN
afbr-600	365	53	does	do	AUX
afbr-600	365	54	not	not	PART
afbr-600	365	55	granger	granger	AUX
afbr-600	365	56	cause	cause	VERB
afbr-600	365	57	cps	cps	PROPN
afbr-600	365	58	32	32	NUM
afbr-600	365	59	0.42941	0.42941	NUM
afbr-600	365	60	0.6553	0.6553	NUM
afbr-600	365	61	blr	blr	NOUN
afbr-600	365	62	does	do	AUX
afbr-600	365	63	not	not	PART
afbr-600	365	64	granger	granger	PROPN
afbr-600	365	65	cause	cause	VERB
afbr-600	365	66	ccps	ccp	NOUN
afbr-600	365	67	32	32	NUM
afbr-600	365	68	1.13195	1.13195	NUM
afbr-600	365	69	0.3372	0.3372	NUM
afbr-600	365	70	cps	cp	NOUN
afbr-600	365	71	does	do	AUX
afbr-600	365	72	not	not	PART
afbr-600	365	73	granger	granger	AUX
afbr-600	365	74	cause	cause	VERB
afbr-600	365	75	blr	blr	PROPN
afbr-600	365	76	1.28036	1.28036	NUM
afbr-600	365	77	0.2943	0.2943	NUM
afbr-600	365	78	ccps	ccp	NOUN
afbr-600	365	79	does	do	AUX
afbr-600	365	80	not	not	PART
afbr-600	365	81	granger	granger	AUX
afbr-600	365	82	cause	cause	VERB
afbr-600	365	83	blr	blr	PROPN
afbr-600	365	84	32	32	NUM
afbr-600	365	85	1.62170	1.62170	NUM
afbr-600	365	86	0.2162	0.2162	NUM
afbr-600	365	87	source	source	NOUN
afbr-600	365	88	:	:	PUNCT
afbr-600	365	89	extract	extract	NOUN
afbr-600	365	90	from	from	ADP
afbr-600	365	91	e	e	NOUN
afbr-600	365	92	-	-	NOUN
afbr-600	365	93	view	view	ADJ
afbr-600	365	94	9.0	9.0	NUM
afbr-600	365	95	copyright	copyright	NOUN
afbr-600	365	96	©	©	PROPN
afbr-600	365	97	cc	cc	PROPN
afbr-600	365	98	-	-	PUNCT
afbr-600	365	99	by	by	ADP
afbr-600	365	100	-	-	PUNCT
afbr-600	365	101	nc	nc	PROPN
afbr-600	365	102	2019	2019	NUM
afbr-600	365	103	,	,	PUNCT
afbr-600	365	104	cribfb	cribfb	PROPN
afbr-600	365	105	|	|	ADV
afbr-600	365	106	afbr	afbr	PROPN
afbr-600	365	107	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	365	108	australian	australian	ADJ
afbr-600	365	109	finance	finance	PROPN
afbr-600	365	110	&	&	CCONJ
afbr-600	365	111	banking	banking	PROPN
afbr-600	365	112	review	review	PROPN
afbr-600	365	113	vol	vol	NOUN
afbr-600	365	114	.	.	PROPN
afbr-600	366	1	4	4	NUM
afbr-600	366	2	,	,	PUNCT
afbr-600	366	3	no	no	INTJ
afbr-600	366	4	.	.	NOUN
afbr-600	366	5	1	1	NUM
afbr-600	366	6	;	;	PUNCT
afbr-600	366	7	2020	2020	NUM
afbr-600	366	8	29	29	NUM
afbr-600	366	9	pair	pair	NOUN
afbr-600	366	10	wise	wise	ADJ
afbr-600	366	11	causality	causality	NOUN
afbr-600	366	12	tests	test	NOUN
afbr-600	366	13	were	be	AUX
afbr-600	366	14	run	run	VERB
afbr-600	366	15	on	on	ADP
afbr-600	366	16	the	the	DET
afbr-600	366	17	models	model	NOUN
afbr-600	366	18	with	with	ADP
afbr-600	366	19	an	an	DET
afbr-600	366	20	optimal	optimal	ADJ
afbr-600	366	21	lag	lag	NOUN
afbr-600	366	22	of	of	ADP
afbr-600	366	23	2	2	NUM
afbr-600	366	24	.	.	PUNCT
afbr-600	367	1	the	the	DET
afbr-600	367	2	results	result	NOUN
afbr-600	367	3	are	be	AUX
afbr-600	367	4	presented	present	VERB
afbr-600	367	5	in	in	ADP
afbr-600	367	6	table	table	NOUN
afbr-600	367	7	5	5	NUM
afbr-600	367	8	above	above	ADV
afbr-600	367	9	.	.	PUNCT
afbr-600	368	1	the	the	DET
afbr-600	368	2	researcher	researcher	NOUN
afbr-600	368	3	’s	’s	PART
afbr-600	368	4	interest	interest	NOUN
afbr-600	368	5	here	here	ADV
afbr-600	368	6	is	be	AUX
afbr-600	368	7	to	to	PART
afbr-600	368	8	establish	establish	VERB
afbr-600	368	9	the	the	DET
afbr-600	368	10	direction	direction	NOUN
afbr-600	368	11	of	of	ADP
afbr-600	368	12	causality	causality	NOUN
afbr-600	368	13	between	between	ADP
afbr-600	368	14	the	the	DET
afbr-600	368	15	independent	independent	ADJ
afbr-600	368	16	variables	variable	NOUN
afbr-600	368	17	and	and	CCONJ
afbr-600	368	18	the	the	DET
afbr-600	368	19	dependent	dependent	ADJ
afbr-600	368	20	variables	variable	NOUN
afbr-600	368	21	from	from	ADP
afbr-600	368	22	1985	1985	NUM
afbr-600	368	23	-	-	SYM
afbr-600	368	24	2018	2018	NUM
afbr-600	368	25	.	.	PUNCT
afbr-600	369	1	the	the	DET
afbr-600	369	2	models	model	NOUN
afbr-600	369	3	shows	show	VERB
afbr-600	369	4	that	that	SCONJ
afbr-600	369	5	there	there	PRON
afbr-600	369	6	is	be	VERB
afbr-600	369	7	no	no	DET
afbr-600	369	8	causality	causality	NOUN
afbr-600	369	9	running	run	VERB
afbr-600	369	10	from	from	ADP
afbr-600	369	11	the	the	DET
afbr-600	369	12	dependent	dependent	ADJ
afbr-600	369	13	variables	variable	NOUN
afbr-600	369	14	to	to	ADP
afbr-600	369	15	independent	independent	ADJ
afbr-600	369	16	variables	variable	NOUN
afbr-600	369	17	and	and	CCONJ
afbr-600	369	18	vice	vice	ADV
afbr-600	369	19	versa	versa	ADV
afbr-600	369	20	.	.	PUNCT
afbr-600	370	1	table	table	NOUN
afbr-600	370	2	6	6	NUM
afbr-600	370	3	:	:	PUNCT
afbr-600	370	4	short	short	ADJ
afbr-600	370	5	term	term	NOUN
afbr-600	370	6	regression	regression	NOUN
afbr-600	370	7	results	result	NOUN
afbr-600	370	8	deposit	deposit	VERB
afbr-600	370	9	money	money	NOUN
afbr-600	370	10	banks	bank	NOUN
afbr-600	370	11	policy	policy	NOUN
afbr-600	370	12	and	and	CCONJ
afbr-600	370	13	credit	credit	NOUN
afbr-600	370	14	to	to	ADP
afbr-600	370	15	small	small	ADJ
afbr-600	370	16	and	and	CCONJ
afbr-600	370	17	medium	medium	ADJ
afbr-600	370	18	scale	scale	NOUN
afbr-600	370	19	enterprises	enterprise	NOUN
afbr-600	370	20	sector	sector	VERB
afbr-600	370	21	variable	variable	ADJ
afbr-600	370	22	coefficient	coefficient	NOUN
afbr-600	370	23	t	t	PROPN
afbr-600	370	24	-	-	PUNCT
afbr-600	370	25	test	test	NOUN
afbr-600	370	26	prob	prob	NOUN
afbr-600	370	27	.	.	PUNCT
afbr-600	371	1	ltdr	ltdr	PROPN
afbr-600	371	2	-0.118892	-0.118892	PROPN
afbr-600	371	3	-1.268007	-1.268007	VERB
afbr-600	371	4	0.2145	0.2145	NUM
afbr-600	371	5	blr	blr	X
afbr-600	371	6	0.770832	0.770832	NUM
afbr-600	371	7	2.813736	2.813736	NUM
afbr-600	371	8	0.0086	0.0086	NUM
afbr-600	371	9	c	c	PROPN
afbr-600	371	10	-1.099937	-1.099937	PROPN
afbr-600	371	11	-0.133762	-0.133762	PROPN
afbr-600	371	12	0.8945	0.8945	NUM
afbr-600	371	13	r2	r2	PROPN
afbr-600	371	14	0.241691	0.241691	NUM
afbr-600	371	15	adj	adj	ADP
afbr-600	371	16	r2	r2	PROPN
afbr-600	371	17	0.191137	0.191137	NUM
afbr-600	371	18	f	f	X
afbr-600	371	19	-	-	PUNCT
afbr-600	371	20	stat	stat	VERB
afbr-600	371	21	4.780853	4.780853	NUM
afbr-600	371	22	f	f	NOUN
afbr-600	371	23	-	-	PUNCT
afbr-600	371	24	prob	prob	NOUN
afbr-600	371	25	0.015765	0.015765	PROPN
afbr-600	371	26	dw	dw	NOUN
afbr-600	371	27	0.525461	0.525461	NUM
afbr-600	371	28	source	source	NOUN
afbr-600	371	29	:	:	PUNCT
afbr-600	371	30	extract	extract	NOUN
afbr-600	371	31	from	from	ADP
afbr-600	371	32	e	e	NOUN
afbr-600	371	33	-	-	NOUN
afbr-600	371	34	view	view	VERB
afbr-600	371	35	9.0	9.0	NUM
afbr-600	371	36	the	the	DET
afbr-600	371	37	results	result	NOUN
afbr-600	371	38	of	of	ADP
afbr-600	371	39	the	the	DET
afbr-600	371	40	short	short	ADJ
afbr-600	371	41	-	-	PUNCT
afbr-600	371	42	run	run	NOUN
afbr-600	371	43	estimation	estimation	NOUN
afbr-600	371	44	are	be	AUX
afbr-600	371	45	presented	present	VERB
afbr-600	371	46	in	in	ADP
afbr-600	371	47	table	table	NOUN
afbr-600	371	48	5	5	NUM
afbr-600	371	49	above	above	ADV
afbr-600	371	50	along	along	ADP
afbr-600	371	51	with	with	ADP
afbr-600	371	52	the	the	DET
afbr-600	371	53	corresponding	corresponding	ADJ
afbr-600	371	54	diagnostic	diagnostic	ADJ
afbr-600	371	55	tests	test	NOUN
afbr-600	371	56	in	in	ADP
afbr-600	371	57	tables	table	NOUN
afbr-600	371	58	below	below	ADV
afbr-600	371	59	.	.	PUNCT
afbr-600	372	1	to	to	PART
afbr-600	372	2	find	find	VERB
afbr-600	372	3	out	out	ADP
afbr-600	372	4	how	how	SCONJ
afbr-600	372	5	well	well	ADV
afbr-600	372	6	the	the	DET
afbr-600	372	7	model	model	NOUN
afbr-600	372	8	fits	fit	VERB
afbr-600	372	9	a	a	DET
afbr-600	372	10	set	set	NOUN
afbr-600	372	11	of	of	ADP
afbr-600	372	12	observations	observation	NOUN
afbr-600	372	13	,	,	PUNCT
afbr-600	372	14	the	the	DET
afbr-600	372	15	r2	r2	PROPN
afbr-600	372	16	indicates	indicate	VERB
afbr-600	372	17	that	that	SCONJ
afbr-600	372	18	24.1	24.1	NUM
afbr-600	372	19	percent	percent	NOUN
afbr-600	372	20	of	of	ADP
afbr-600	372	21	the	the	DET
afbr-600	372	22	variation	variation	NOUN
afbr-600	372	23	in	in	ADP
afbr-600	372	24	dmbs	dmb	NOUN
afbr-600	372	25	funding	funding	NOUN
afbr-600	372	26	to	to	ADP
afbr-600	372	27	small	small	ADJ
afbr-600	372	28	and	and	CCONJ
afbr-600	372	29	medium	medium	ADJ
afbr-600	372	30	scale	scale	NOUN
afbr-600	372	31	enterprises	enterprise	NOUN
afbr-600	372	32	sector	sector	NOUN
afbr-600	372	33	is	be	AUX
afbr-600	372	34	explained	explain	VERB
afbr-600	372	35	within	within	ADP
afbr-600	372	36	the	the	DET
afbr-600	372	37	model	model	NOUN
afbr-600	372	38	.	.	PUNCT
afbr-600	373	1	nonetheless	nonetheless	ADV
afbr-600	373	2	,	,	PUNCT
afbr-600	373	3	the	the	DET
afbr-600	373	4	r2	r2	NOUN
afbr-600	373	5	can	can	AUX
afbr-600	373	6	not	not	PART
afbr-600	373	7	determine	determine	VERB
afbr-600	373	8	whether	whether	SCONJ
afbr-600	373	9	the	the	DET
afbr-600	373	10	coefficient	coefficient	NOUN
afbr-600	373	11	estimates	estimate	NOUN
afbr-600	373	12	and	and	CCONJ
afbr-600	373	13	predictions	prediction	NOUN
afbr-600	373	14	are	be	AUX
afbr-600	373	15	biased	bias	VERB
afbr-600	373	16	,	,	PUNCT
afbr-600	373	17	hence	hence	ADV
afbr-600	373	18	further	further	ADJ
afbr-600	373	19	assessment	assessment	NOUN
afbr-600	373	20	of	of	ADP
afbr-600	373	21	the	the	DET
afbr-600	373	22	residuals	residual	NOUN
afbr-600	373	23	necessary	necessary	ADJ
afbr-600	373	24	.	.	PUNCT
afbr-600	374	1	from	from	ADP
afbr-600	374	2	the	the	DET
afbr-600	374	3	result	result	NOUN
afbr-600	374	4	it	it	PRON
afbr-600	374	5	could	could	AUX
afbr-600	374	6	be	be	AUX
afbr-600	374	7	deduced	deduce	VERB
afbr-600	374	8	that	that	SCONJ
afbr-600	374	9	loan	loan	NOUN
afbr-600	374	10	to	to	PART
afbr-600	374	11	deposit	deposit	NOUN
afbr-600	374	12	ratio	ratio	NOUN
afbr-600	374	13	has	have	VERB
afbr-600	374	14	negative	negative	ADJ
afbr-600	374	15	effect	effect	NOUN
afbr-600	374	16	while	while	SCONJ
afbr-600	374	17	bank	bank	NOUN
afbr-600	374	18	liquidity	liquidity	NOUN
afbr-600	374	19	ratio	ratio	NOUN
afbr-600	374	20	has	have	VERB
afbr-600	374	21	positive	positive	ADJ
afbr-600	374	22	effect	effect	NOUN
afbr-600	374	23	on	on	ADP
afbr-600	374	24	credit	credit	NOUN
afbr-600	374	25	to	to	ADP
afbr-600	374	26	small	small	ADJ
afbr-600	374	27	and	and	CCONJ
afbr-600	374	28	medium	medium	ADJ
afbr-600	374	29	scale	scale	NOUN
afbr-600	374	30	enterprises	enterprise	NOUN
afbr-600	374	31	sector	sector	NOUN
afbr-600	374	32	.	.	PUNCT
afbr-600	375	1	table	table	NOUN
afbr-600	375	2	7	7	NUM
afbr-600	375	3	:	:	PUNCT
afbr-600	375	4	unit	unit	NOUN
afbr-600	375	5	root	root	PROPN
afbr-600	375	6	test	test	NOUN
afbr-600	375	7	deposit	deposit	NOUN
afbr-600	375	8	money	money	NOUN
afbr-600	375	9	banks	bank	NOUN
afbr-600	375	10	policy	policy	NOUN
afbr-600	375	11	and	and	CCONJ
afbr-600	375	12	credit	credit	NOUN
afbr-600	375	13	to	to	ADP
afbr-600	375	14	small	small	ADJ
afbr-600	375	15	and	and	CCONJ
afbr-600	375	16	medium	medium	ADJ
afbr-600	375	17	scale	scale	NOUN
afbr-600	375	18	enterprises	enterprise	NOUN
afbr-600	375	19	sector	sector	VERB
afbr-600	375	20	variable	variable	ADJ
afbr-600	375	21	adf	adf	PROPN
afbr-600	375	22	5	5	NUM
afbr-600	375	23	%	%	NOUN
afbr-600	375	24	prob	prob	NOUN
afbr-600	375	25	.	.	PUNCT
afbr-600	376	1	smes	smes	PROPN
afbr-600	376	2	-5.921945	-5.921945	PROPN
afbr-600	377	1	-2.976263	-2.976263	PROPN
afbr-600	377	2	0.0000	0.0000	NUM
afbr-600	377	3	ltdr	ltdr	NOUN
afbr-600	377	4	-4.739563	-4.739563	PROPN
afbr-600	377	5	-2.967767	-2.967767	PROPN
afbr-600	377	6	0.0007	0.0007	NUM
afbr-600	377	7	blr	blr	ADJ
afbr-600	377	8	-4.216364	-4.216364	NOUN
afbr-600	377	9	-2.954021	-2.954021	NOUN
afbr-600	378	1	0.0023	0.0023	NUM
afbr-600	378	2	source	source	NOUN
afbr-600	378	3	:	:	PUNCT
afbr-600	378	4	extract	extract	NOUN
afbr-600	378	5	from	from	ADP
afbr-600	378	6	e	e	NOUN
afbr-600	378	7	-	-	NOUN
afbr-600	378	8	view	view	VERB
afbr-600	378	9	9.0	9.0	NUM
afbr-600	378	10	the	the	DET
afbr-600	378	11	time	time	NOUN
afbr-600	378	12	series	series	NOUN
afbr-600	378	13	properties	property	NOUN
afbr-600	378	14	of	of	ADP
afbr-600	378	15	the	the	DET
afbr-600	378	16	variables	variable	NOUN
afbr-600	378	17	used	use	VERB
afbr-600	378	18	in	in	ADP
afbr-600	378	19	the	the	DET
afbr-600	378	20	analysis	analysis	NOUN
afbr-600	378	21	was	be	AUX
afbr-600	378	22	investigated	investigate	VERB
afbr-600	378	23	using	use	VERB
afbr-600	378	24	augmented	augment	VERB
afbr-600	378	25	dickey	dickey	PROPN
afbr-600	378	26	-	-	PUNCT
afbr-600	378	27	fuller	full	ADJ
afbr-600	378	28	test	test	NOUN
afbr-600	378	29	.	.	PUNCT
afbr-600	379	1	the	the	DET
afbr-600	379	2	test	test	NOUN
afbr-600	379	3	was	be	AUX
afbr-600	379	4	run	run	VERB
afbr-600	379	5	with	with	ADP
afbr-600	379	6	specification	specification	NOUN
afbr-600	379	7	of	of	ADP
afbr-600	379	8	trend	trend	NOUN
afbr-600	379	9	and	and	CCONJ
afbr-600	379	10	intercept	intercept	NOUN
afbr-600	379	11	in	in	ADP
afbr-600	379	12	the	the	DET
afbr-600	379	13	model	model	NOUN
afbr-600	379	14	.	.	PUNCT
afbr-600	380	1	the	the	DET
afbr-600	380	2	adf	adf	PROPN
afbr-600	380	3	statistics	statistic	NOUN
afbr-600	380	4	for	for	ADP
afbr-600	380	5	the	the	DET
afbr-600	380	6	test	test	NOUN
afbr-600	380	7	are	be	AUX
afbr-600	380	8	presented	present	VERB
afbr-600	380	9	in	in	ADP
afbr-600	380	10	the	the	DET
afbr-600	380	11	table	table	NOUN
afbr-600	380	12	above	above	ADV
afbr-600	380	13	.	.	PUNCT
afbr-600	381	1	it	it	PRON
afbr-600	381	2	can	can	AUX
afbr-600	381	3	be	be	AUX
afbr-600	381	4	seen	see	VERB
afbr-600	381	5	from	from	ADP
afbr-600	381	6	the	the	DET
afbr-600	381	7	table	table	NOUN
afbr-600	381	8	above	above	ADP
afbr-600	381	9	that	that	SCONJ
afbr-600	381	10	the	the	DET
afbr-600	381	11	unit	unit	NOUN
afbr-600	381	12	root	root	NOUN
afbr-600	381	13	test	test	NOUN
afbr-600	381	14	results	result	NOUN
afbr-600	381	15	,	,	PUNCT
afbr-600	381	16	using	use	VERB
afbr-600	381	17	the	the	DET
afbr-600	381	18	adf	adf	PROPN
afbr-600	381	19	unit	unit	NOUN
afbr-600	381	20	root	root	PROPN
afbr-600	381	21	test	test	NOUN
afbr-600	381	22	suggest	suggest	VERB
afbr-600	381	23	that	that	SCONJ
afbr-600	381	24	all	all	DET
afbr-600	381	25	series	series	NOUN
afbr-600	381	26	are	be	AUX
afbr-600	381	27	i	i	PRON
afbr-600	381	28	(	(	PUNCT
afbr-600	381	29	1	1	NUM
afbr-600	381	30	)	)	PUNCT
afbr-600	381	31	because	because	SCONJ
afbr-600	381	32	they	they	PRON
afbr-600	381	33	become	become	VERB
afbr-600	381	34	stationary	stationary	ADJ
afbr-600	381	35	after	after	ADP
afbr-600	381	36	being	be	AUX
afbr-600	381	37	differenced	difference	VERB
afbr-600	381	38	once	once	ADV
afbr-600	381	39	.	.	PUNCT
afbr-600	382	1	therefore	therefore	ADV
afbr-600	382	2	,	,	PUNCT
afbr-600	382	3	the	the	DET
afbr-600	382	4	engle	engle	NOUN
afbr-600	382	5	and	and	CCONJ
afbr-600	382	6	granger	granger	PROPN
afbr-600	382	7	(	(	PUNCT
afbr-600	382	8	1987	1987	NUM
afbr-600	382	9	)	)	PUNCT
afbr-600	382	10	can	can	AUX
afbr-600	382	11	be	be	AUX
afbr-600	382	12	employed	employ	VERB
afbr-600	382	13	.	.	PUNCT
afbr-600	383	1	table	table	NOUN
afbr-600	383	2	8	8	NUM
afbr-600	383	3	:	:	PUNCT
afbr-600	383	4	co	co	NOUN
afbr-600	383	5	-	-	NOUN
afbr-600	383	6	integration	integration	NOUN
afbr-600	383	7	test	test	NOUN
afbr-600	383	8	hypothesized	hypothesize	VERB
afbr-600	383	9	no	no	ADP
afbr-600	383	10	.	.	PUNCT
afbr-600	383	11	of	of	ADP
afbr-600	383	12	ce(s	ce(s	ADV
afbr-600	383	13	)	)	PUNCT
afbr-600	383	14	eigenvalue	eigenvalue	NOUN
afbr-600	383	15	trace	trace	NOUN
afbr-600	383	16	statistic	statistic	NOUN
afbr-600	383	17	0.05	0.05	NUM
afbr-600	383	18	critical	critical	ADJ
afbr-600	383	19	value	value	NOUN
afbr-600	383	20	prob	prob	NOUN
afbr-600	383	21	.	.	PUNCT
afbr-600	384	1	*	*	PUNCT
afbr-600	385	1	*	*	PUNCT
afbr-600	386	1	none	none	NOUN
afbr-600	386	2	*	*	PUNCT
afbr-600	386	3	0.496177	0.496177	NUM
afbr-600	386	4	37.62841	37.62841	NUM
afbr-600	386	5	29.79707	29.79707	NUM
afbr-600	386	6	0.0051	0.0051	NUM
afbr-600	386	7	at	at	ADP
afbr-600	386	8	most	most	ADJ
afbr-600	386	9	1	1	NUM
afbr-600	386	10	*	*	PUNCT
afbr-600	386	11	0.361479	0.361479	NUM
afbr-600	386	12	17.06252	17.06252	NUM
afbr-600	386	13	15.49471	15.49471	NUM
afbr-600	386	14	0.0288	0.0288	NUM
afbr-600	386	15	at	at	ADP
afbr-600	386	16	most	most	ADJ
afbr-600	386	17	2	2	NUM
afbr-600	386	18	0.113212	0.113212	NUM
afbr-600	386	19	3.604479	3.604479	NUM
afbr-600	386	20	3.841466	3.841466	NUM
afbr-600	386	21	0.0576	0.0576	NUM
afbr-600	386	22	source	source	NOUN
afbr-600	386	23	:	:	PUNCT
afbr-600	386	24	extract	extract	NOUN
afbr-600	386	25	from	from	ADP
afbr-600	386	26	e	e	NOUN
afbr-600	386	27	-	-	NOUN
afbr-600	386	28	view	view	NOUN
afbr-600	386	29	9.0	9.0	NUM
afbr-600	386	30	from	from	ADP
afbr-600	386	31	table	table	NOUN
afbr-600	386	32	8	8	NUM
afbr-600	386	33	,	,	PUNCT
afbr-600	386	34	the	the	DET
afbr-600	386	35	results	result	NOUN
afbr-600	386	36	of	of	ADP
afbr-600	386	37	the	the	DET
afbr-600	386	38	johansen	johansen	PROPN
afbr-600	386	39	co	co	PROPN
afbr-600	386	40	-	-	NOUN
afbr-600	386	41	integration	integration	NOUN
afbr-600	386	42	test	test	NOUN
afbr-600	386	43	show	show	NOUN
afbr-600	386	44	that	that	SCONJ
afbr-600	386	45	we	we	PRON
afbr-600	386	46	adopt	adopt	VERB
afbr-600	386	47	the	the	DET
afbr-600	386	48	null	null	ADJ
afbr-600	386	49	hypotheses	hypothesis	NOUN
afbr-600	386	50	of	of	ADP
afbr-600	386	51	no	no	DET
afbr-600	386	52	co	co	ADJ
afbr-600	386	53	-	-	ADJ
afbr-600	386	54	integrating	integrating	ADJ
afbr-600	386	55	equation	equation	NOUN
afbr-600	386	56	at	at	ADP
afbr-600	386	57	the	the	DET
afbr-600	386	58	5	5	NUM
afbr-600	386	59	%	%	NOUN
afbr-600	386	60	level	level	NOUN
afbr-600	386	61	of	of	ADP
afbr-600	386	62	significance	significance	NOUN
afbr-600	386	63	.	.	PUNCT
afbr-600	387	1	this	this	PRON
afbr-600	387	2	implies	imply	VERB
afbr-600	387	3	that	that	SCONJ
afbr-600	387	4	,	,	PUNCT
afbr-600	387	5	there	there	PRON
afbr-600	387	6	is	be	VERB
afbr-600	387	7	no	no	DET
afbr-600	387	8	linear	linear	ADJ
afbr-600	387	9	combination	combination	NOUN
afbr-600	387	10	of	of	ADP
afbr-600	387	11	the	the	DET
afbr-600	387	12	variables	variable	NOUN
afbr-600	387	13	that	that	PRON
afbr-600	387	14	are	be	AUX
afbr-600	387	15	stationary	stationary	ADJ
afbr-600	387	16	in	in	ADP
afbr-600	387	17	the	the	DET
afbr-600	387	18	long	long	ADJ
afbr-600	387	19	run	run	NOUN
afbr-600	387	20	and	and	CCONJ
afbr-600	387	21	also	also	ADV
afbr-600	387	22	confirms	confirm	VERB
afbr-600	387	23	the	the	DET
afbr-600	387	24	existence	existence	NOUN
afbr-600	387	25	of	of	ADP
afbr-600	387	26	a	a	DET
afbr-600	387	27	long	long	ADV
afbr-600	387	28	-	-	PUNCT
afbr-600	387	29	run	run	NOUN
afbr-600	387	30	relationship	relationship	NOUN
afbr-600	387	31	between	between	ADP
afbr-600	387	32	dmbs	dmb	NOUN
afbr-600	387	33	policy	policy	NOUN
afbr-600	387	34	variables	variable	NOUN
afbr-600	387	35	and	and	CCONJ
afbr-600	387	36	credit	credit	NOUN
afbr-600	387	37	to	to	ADP
afbr-600	387	38	small	small	ADJ
afbr-600	387	39	and	and	CCONJ
afbr-600	387	40	medium	medium	ADJ
afbr-600	387	41	scale	scale	NOUN
afbr-600	387	42	enterprises	enterprise	NOUN
afbr-600	387	43	sector	sector	NOUN
afbr-600	387	44	in	in	ADP
afbr-600	387	45	nigeria	nigeria	PROPN
afbr-600	387	46	.	.	PUNCT
afbr-600	388	1	copyright	copyright	NOUN
afbr-600	388	2	©	©	PROPN
afbr-600	388	3	cc	cc	PROPN
afbr-600	388	4	-	-	PUNCT
afbr-600	388	5	by	by	ADP
afbr-600	388	6	-	-	PUNCT
afbr-600	388	7	nc	nc	PROPN
afbr-600	388	8	2019	2019	NUM
afbr-600	388	9	,	,	PUNCT
afbr-600	388	10	cribfb	cribfb	PROPN
afbr-600	388	11	|	|	ADV
afbr-600	388	12	afbr	afbr	PROPN
afbr-600	388	13	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	388	14	australian	australian	ADJ
afbr-600	388	15	finance	finance	PROPN
afbr-600	388	16	&	&	CCONJ
afbr-600	388	17	banking	banking	PROPN
afbr-600	388	18	review	review	PROPN
afbr-600	388	19	vol	vol	NOUN
afbr-600	388	20	.	.	PROPN
afbr-600	389	1	4	4	NUM
afbr-600	389	2	,	,	PUNCT
afbr-600	389	3	no	no	INTJ
afbr-600	389	4	.	.	NOUN
afbr-600	389	5	1	1	NUM
afbr-600	389	6	;	;	PUNCT
afbr-600	389	7	2020	2020	NUM
afbr-600	389	8	30	30	NUM
afbr-600	389	9	table	table	NOUN
afbr-600	389	10	9	9	NUM
afbr-600	389	11	:	:	PUNCT
afbr-600	389	12	error	error	NOUN
afbr-600	389	13	correction	correction	NOUN
afbr-600	389	14	model	model	NOUN
afbr-600	389	15	deposit	deposit	NOUN
afbr-600	389	16	money	money	NOUN
afbr-600	389	17	banks	bank	NOUN
afbr-600	389	18	policy	policy	NOUN
afbr-600	389	19	and	and	CCONJ
afbr-600	389	20	credit	credit	NOUN
afbr-600	389	21	to	to	ADP
afbr-600	389	22	small	small	ADJ
afbr-600	389	23	and	and	CCONJ
afbr-600	389	24	medium	medium	ADJ
afbr-600	389	25	scale	scale	NOUN
afbr-600	389	26	enterprises	enterprise	NOUN
afbr-600	389	27	sector	sector	VERB
afbr-600	389	28	variable	variable	ADJ
afbr-600	389	29	coefficient	coefficient	NOUN
afbr-600	389	30	t	t	PROPN
afbr-600	389	31	-	-	PUNCT
afbr-600	389	32	test	test	NOUN
afbr-600	389	33	prob	prob	NOUN
afbr-600	389	34	.	.	PUNCT
afbr-600	390	1	c	c	NOUN
afbr-600	390	2	-17.29070	-17.29070	PUNCT
afbr-600	390	3	0.022741	0.022741	NUM
afbr-600	390	4	0.9822	0.9822	NUM
afbr-600	390	5	d(smes(-1	d(smes(-1	VERB
afbr-600	390	6	)	)	PUNCT
afbr-600	390	7	)	)	PUNCT
afbr-600	390	8	-0.043787	-0.043787	VERB
afbr-600	390	9	2.963148	2.963148	NUM
afbr-600	390	10	0.0110	0.0110	NUM
afbr-600	390	11	d(smes(-2	d(smes(-2	NOUN
afbr-600	390	12	)	)	PUNCT
afbr-600	390	13	)	)	PUNCT
afbr-600	390	14	-0.139630	-0.139630	NOUN
afbr-600	390	15	2.114837	2.114837	NUM
afbr-600	390	16	0.0543	0.0543	NUM
afbr-600	390	17	d(smes(-3	d(smes(-3	NOUN
afbr-600	390	18	)	)	PUNCT
afbr-600	390	19	)	)	PUNCT
afbr-600	390	20	-0.285653	-0.285653	PUNCT
afbr-600	391	1	2.233214	2.233214	NUM
afbr-600	391	2	0.0437	0.0437	NUM
afbr-600	391	3	d(ltdr(-1	d(ltdr(-1	NUM
afbr-600	391	4	)	)	PUNCT
afbr-600	391	5	)	)	PUNCT
afbr-600	391	6	-0.020892	-0.020892	VERB
afbr-600	391	7	2.512611	2.512611	NUM
afbr-600	391	8	0.0260	0.0260	NUM
afbr-600	391	9	d(ltdr(-2	d(ltdr(-2	PROPN
afbr-600	391	10	)	)	PUNCT
afbr-600	391	11	)	)	PUNCT
afbr-600	392	1	0.208784	0.208784	NUM
afbr-600	392	2	-1.581128	-1.581128	NOUN
afbr-600	392	3	0.1379	0.1379	NUM
afbr-600	392	4	d(ltdr(-3	d(ltdr(-3	NOUN
afbr-600	392	5	)	)	PUNCT
afbr-600	392	6	)	)	PUNCT
afbr-600	392	7	-0.038395	-0.038395	PUNCT
afbr-600	392	8	-2.065428	-2.065428	NOUN
afbr-600	392	9	0.0594	0.0594	NUM
afbr-600	392	10	d(blr(-1	d(blr(-1	NUM
afbr-600	392	11	)	)	PUNCT
afbr-600	392	12	)	)	PUNCT
afbr-600	392	13	-0.410439	-0.410439	VERB
afbr-600	392	14	1.121600	1.121600	NUM
afbr-600	392	15	0.2823	0.2823	NUM
afbr-600	392	16	blr(-2	blr(-2	NOUN
afbr-600	392	17	)	)	PUNCT
afbr-600	393	1	0.108664	0.108664	NUM
afbr-600	393	2	3.350254	3.350254	NUM
afbr-600	393	3	0.0052	0.0052	NUM
afbr-600	394	1	blr(-3	blr(-3	ADJ
afbr-600	394	2	)	)	PUNCT
afbr-600	394	3	0.805284	0.805284	NUM
afbr-600	394	4	2.700478	2.700478	NUM
afbr-600	394	5	0.0182	0.0182	NUM
afbr-600	394	6	ecm(-1	ecm(-1	PROPN
afbr-600	394	7	)	)	PUNCT
afbr-600	394	8	-0.428681	-0.428681	VERB
afbr-600	394	9	0.618165	0.618165	NUM
afbr-600	394	10	0.5471	0.5471	NUM
afbr-600	394	11	r2	r2	NOUN
afbr-600	394	12	0.589935	0.589935	NUM
afbr-600	394	13	adj	adj	PROPN
afbr-600	394	14	r2	r2	PROPN
afbr-600	394	15	0.348721	0.348721	NUM
afbr-600	394	16	f	f	X
afbr-600	394	17	-	-	PUNCT
afbr-600	394	18	stat	stat	NOUN
afbr-600	394	19	2.445688	2.445688	NUM
afbr-600	394	20	f	f	X
afbr-600	394	21	-	-	PUNCT
afbr-600	394	22	prob	prob	NOUN
afbr-600	394	23	0.050320	0.050320	NUM
afbr-600	394	24	dw	dw	PROPN
afbr-600	394	25	1.580857	1.580857	NUM
afbr-600	394	26	source	source	NOUN
afbr-600	394	27	:	:	PUNCT
afbr-600	394	28	extract	extract	NOUN
afbr-600	394	29	from	from	ADP
afbr-600	394	30	e	e	NOUN
afbr-600	394	31	-	-	NOUN
afbr-600	394	32	view	view	VERB
afbr-600	394	33	9.0	9.0	NUM
afbr-600	394	34	the	the	DET
afbr-600	394	35	corresponding	correspond	VERB
afbr-600	394	36	sign	sign	NOUN
afbr-600	394	37	of	of	ADP
afbr-600	394	38	error	error	NOUN
afbr-600	394	39	correction	correction	NOUN
afbr-600	394	40	term	term	NOUN
afbr-600	394	41	(	(	PUNCT
afbr-600	394	42	ect	ect	X
afbr-600	394	43	)	)	PUNCT
afbr-600	394	44	is	be	AUX
afbr-600	394	45	negative	negative	ADJ
afbr-600	394	46	but	but	CCONJ
afbr-600	394	47	not	not	PART
afbr-600	394	48	significant	significant	ADJ
afbr-600	394	49	.	.	PUNCT
afbr-600	395	1	this	this	PRON
afbr-600	395	2	means	mean	VERB
afbr-600	395	3	that	that	SCONJ
afbr-600	395	4	there	there	PRON
afbr-600	395	5	is	be	VERB
afbr-600	395	6	a	a	DET
afbr-600	395	7	long	long	ADJ
afbr-600	395	8	run	run	NOUN
afbr-600	395	9	causality	causality	NOUN
afbr-600	395	10	running	run	VERB
afbr-600	395	11	from	from	ADP
afbr-600	395	12	independent	independent	ADJ
afbr-600	395	13	variables	variable	NOUN
afbr-600	395	14	to	to	ADP
afbr-600	395	15	the	the	DET
afbr-600	395	16	dependent	dependent	ADJ
afbr-600	395	17	variable	variable	NOUN
afbr-600	395	18	.	.	PUNCT
afbr-600	396	1	the	the	DET
afbr-600	396	2	negative	negative	ADJ
afbr-600	396	3	sign	sign	NOUN
afbr-600	396	4	of	of	ADP
afbr-600	396	5	(	(	PUNCT
afbr-600	396	6	ect	ect	X
afbr-600	396	7	)	)	PUNCT
afbr-600	396	8	indicates	indicate	VERB
afbr-600	396	9	a	a	DET
afbr-600	396	10	move	move	NOUN
afbr-600	396	11	back	back	ADV
afbr-600	396	12	towards	towards	ADP
afbr-600	396	13	equilibrium	equilibrium	NOUN
afbr-600	396	14	following	follow	VERB
afbr-600	396	15	a	a	DET
afbr-600	396	16	shock	shock	NOUN
afbr-600	396	17	to	to	ADP
afbr-600	396	18	the	the	DET
afbr-600	396	19	system	system	NOUN
afbr-600	396	20	in	in	ADP
afbr-600	396	21	the	the	DET
afbr-600	396	22	previous	previous	ADJ
afbr-600	396	23	year	year	NOUN
afbr-600	396	24	.	.	PUNCT
afbr-600	397	1	the	the	DET
afbr-600	397	2	r2	r2	PROPN
afbr-600	397	3	from	from	ADP
afbr-600	397	4	the	the	DET
afbr-600	397	5	model	model	NOUN
afbr-600	397	6	proved	prove	VERB
afbr-600	397	7	that	that	SCONJ
afbr-600	397	8	the	the	DET
afbr-600	397	9	variables	variable	NOUN
afbr-600	397	10	can	can	AUX
afbr-600	397	11	explain	explain	VERB
afbr-600	397	12	58.9	58.9	NUM
afbr-600	397	13	percent	percent	NOUN
afbr-600	397	14	changes	change	NOUN
afbr-600	397	15	on	on	ADP
afbr-600	397	16	the	the	DET
afbr-600	397	17	dependent	dependent	ADJ
afbr-600	397	18	variables	variable	NOUN
afbr-600	397	19	.	.	PUNCT
afbr-600	398	1	the	the	DET
afbr-600	398	2	models	model	NOUN
afbr-600	398	3	are	be	AUX
afbr-600	398	4	statistically	statistically	ADV
afbr-600	398	5	significant	significant	ADJ
afbr-600	398	6	from	from	ADP
afbr-600	398	7	the	the	DET
afbr-600	398	8	value	value	NOUN
afbr-600	398	9	of	of	ADP
afbr-600	398	10	f	f	PROPN
afbr-600	398	11	-	-	PUNCT
afbr-600	398	12	statistics	statistic	NOUN
afbr-600	398	13	and	and	CCONJ
afbr-600	398	14	probability	probability	NOUN
afbr-600	398	15	.	.	PUNCT
afbr-600	399	1	however	however	ADV
afbr-600	399	2	,	,	PUNCT
afbr-600	399	3	the	the	DET
afbr-600	399	4	ecm	ecm	PROPN
afbr-600	399	5	coefficient	coefficient	NOUN
afbr-600	399	6	indicates	indicate	VERB
afbr-600	399	7	that	that	SCONJ
afbr-600	399	8	the	the	DET
afbr-600	399	9	models	model	NOUN
afbr-600	399	10	can	can	AUX
afbr-600	399	11	adjust	adjust	VERB
afbr-600	399	12	at	at	ADP
afbr-600	399	13	the	the	DET
afbr-600	399	14	speed	speed	NOUN
afbr-600	399	15	of	of	ADP
afbr-600	399	16	42.8	42.8	NUM
afbr-600	399	17	percent	percent	NOUN
afbr-600	399	18	annually	annually	ADV
afbr-600	399	19	.	.	PUNCT
afbr-600	400	1	the	the	DET
afbr-600	400	2	coefficient	coefficient	NOUN
afbr-600	400	3	of	of	ADP
afbr-600	400	4	the	the	DET
afbr-600	400	5	variables	variable	NOUN
afbr-600	400	6	defines	define	VERB
afbr-600	400	7	the	the	DET
afbr-600	400	8	effect	effect	NOUN
afbr-600	400	9	of	of	ADP
afbr-600	400	10	the	the	DET
afbr-600	400	11	independent	independent	ADJ
afbr-600	400	12	variables	variable	NOUN
afbr-600	400	13	on	on	ADP
afbr-600	400	14	the	the	DET
afbr-600	400	15	dependent	dependent	ADJ
afbr-600	400	16	variables	variable	NOUN
afbr-600	400	17	at	at	ADP
afbr-600	400	18	various	various	ADJ
afbr-600	400	19	lags	lag	NOUN
afbr-600	400	20	.	.	PUNCT
afbr-600	401	1	table	table	NOUN
afbr-600	401	2	10	10	NUM
afbr-600	401	3	:	:	PUNCT
afbr-600	401	4	granger	granger	PROPN
afbr-600	401	5	causality	causality	PROPN
afbr-600	401	6	test	test	NOUN
afbr-600	401	7	source	source	NOUN
afbr-600	401	8	:	:	PUNCT
afbr-600	401	9	extract	extract	NOUN
afbr-600	401	10	from	from	ADP
afbr-600	401	11	e	e	NOUN
afbr-600	401	12	-	-	NOUN
afbr-600	401	13	view	view	ADJ
afbr-600	401	14	9.0	9.0	NUM
afbr-600	401	15	pair	pair	NOUN
afbr-600	401	16	wise	wise	ADJ
afbr-600	401	17	causality	causality	NOUN
afbr-600	401	18	tests	test	NOUN
afbr-600	401	19	were	be	AUX
afbr-600	401	20	run	run	VERB
afbr-600	401	21	on	on	ADP
afbr-600	401	22	the	the	DET
afbr-600	401	23	models	model	NOUN
afbr-600	401	24	with	with	ADP
afbr-600	401	25	an	an	DET
afbr-600	401	26	optimal	optimal	ADJ
afbr-600	401	27	lag	lag	NOUN
afbr-600	401	28	of	of	ADP
afbr-600	401	29	2	2	NUM
afbr-600	401	30	.	.	PUNCT
afbr-600	402	1	the	the	DET
afbr-600	402	2	results	result	NOUN
afbr-600	402	3	are	be	AUX
afbr-600	402	4	presented	present	VERB
afbr-600	402	5	in	in	ADP
afbr-600	402	6	table	table	NOUN
afbr-600	402	7	10	10	NUM
afbr-600	402	8	above	above	ADV
afbr-600	402	9	.	.	PUNCT
afbr-600	403	1	the	the	DET
afbr-600	403	2	researcher	researcher	NOUN
afbr-600	403	3	’s	’s	PART
afbr-600	403	4	interest	interest	NOUN
afbr-600	403	5	here	here	ADV
afbr-600	403	6	is	be	AUX
afbr-600	403	7	to	to	PART
afbr-600	403	8	establish	establish	VERB
afbr-600	403	9	the	the	DET
afbr-600	403	10	direction	direction	NOUN
afbr-600	403	11	of	of	ADP
afbr-600	403	12	causality	causality	NOUN
afbr-600	403	13	between	between	ADP
afbr-600	403	14	the	the	DET
afbr-600	403	15	dependent	dependent	ADJ
afbr-600	403	16	variables	variable	NOUN
afbr-600	403	17	and	and	CCONJ
afbr-600	403	18	the	the	DET
afbr-600	403	19	independent	independent	ADJ
afbr-600	403	20	variables	variable	NOUN
afbr-600	403	21	from	from	ADP
afbr-600	403	22	1985	1985	NUM
afbr-600	403	23	-	-	SYM
afbr-600	403	24	2018	2018	NUM
afbr-600	403	25	.	.	PUNCT
afbr-600	404	1	the	the	DET
afbr-600	404	2	models	model	NOUN
afbr-600	404	3	shows	show	VERB
afbr-600	404	4	that	that	SCONJ
afbr-600	404	5	there	there	PRON
afbr-600	404	6	is	be	VERB
afbr-600	404	7	no	no	DET
afbr-600	404	8	causality	causality	NOUN
afbr-600	404	9	from	from	ADP
afbr-600	404	10	the	the	DET
afbr-600	404	11	dependent	dependent	ADJ
afbr-600	404	12	variables	variable	NOUN
afbr-600	404	13	to	to	ADP
afbr-600	404	14	independent	independent	ADJ
afbr-600	404	15	variables	variable	NOUN
afbr-600	404	16	and	and	CCONJ
afbr-600	404	17	vice	vice	ADV
afbr-600	404	18	versa	versa	ADV
afbr-600	404	19	.	.	PUNCT
afbr-600	405	1	discussion	discussion	NOUN
afbr-600	405	2	of	of	ADP
afbr-600	405	3	findings	finding	NOUN
afbr-600	405	4	in	in	ADP
afbr-600	405	5	model	model	NOUN
afbr-600	405	6	1	1	NUM
afbr-600	405	7	,	,	PUNCT
afbr-600	405	8	the	the	DET
afbr-600	405	9	estimated	estimate	VERB
afbr-600	405	10	regression	regression	NOUN
afbr-600	405	11	model	model	NOUN
afbr-600	405	12	from	from	ADP
afbr-600	405	13	result	result	NOUN
afbr-600	405	14	of	of	ADP
afbr-600	405	15	the	the	DET
afbr-600	405	16	vector	vector	NOUN
afbr-600	405	17	error	error	NOUN
afbr-600	405	18	correction	correction	NOUN
afbr-600	405	19	result	result	VERB
afbr-600	405	20	in	in	ADP
afbr-600	405	21	table	table	NOUN
afbr-600	405	22	4	4	NUM
afbr-600	405	23	the	the	DET
afbr-600	405	24	relationship	relationship	NOUN
afbr-600	405	25	between	between	ADP
afbr-600	405	26	deposit	deposit	NOUN
afbr-600	405	27	money	money	NOUN
afbr-600	405	28	bank	bank	NOUN
afbr-600	405	29	rates	rate	NOUN
afbr-600	405	30	policy	policy	NOUN
afbr-600	405	31	and	and	CCONJ
afbr-600	405	32	credit	credit	NOUN
afbr-600	405	33	to	to	ADP
afbr-600	405	34	private	private	ADJ
afbr-600	405	35	sector	sector	NOUN
afbr-600	405	36	is	be	AUX
afbr-600	405	37	moderate	moderate	ADJ
afbr-600	405	38	and	and	CCONJ
afbr-600	405	39	not	not	PART
afbr-600	405	40	significant	significant	ADJ
afbr-600	405	41	.	.	PUNCT
afbr-600	406	1	this	this	PRON
afbr-600	406	2	is	be	AUX
afbr-600	406	3	because	because	SCONJ
afbr-600	406	4	of	of	ADP
afbr-600	406	5	an	an	DET
afbr-600	406	6	r2	r2	NOUN
afbr-600	406	7	of	of	ADP
afbr-600	406	8	0.408549	0.408549	NUM
afbr-600	406	9	meaning	mean	VERB
afbr-600	406	10	that	that	SCONJ
afbr-600	406	11	the	the	DET
afbr-600	406	12	model	model	NOUN
afbr-600	406	13	explains	explain	VERB
afbr-600	406	14	approximately	approximately	ADV
afbr-600	406	15	40.8	40.8	NUM
afbr-600	406	16	percent	percent	NOUN
afbr-600	406	17	of	of	ADP
afbr-600	406	18	the	the	DET
afbr-600	406	19	total	total	ADJ
afbr-600	406	20	variations	variation	NOUN
afbr-600	406	21	in	in	ADP
afbr-600	406	22	the	the	DET
afbr-600	406	23	credit	credit	NOUN
afbr-600	406	24	to	to	ADP
afbr-600	406	25	private	private	ADJ
afbr-600	406	26	sector	sector	NOUN
afbr-600	406	27	.	.	PUNCT
afbr-600	407	1	the	the	DET
afbr-600	407	2	error	error	NOUN
afbr-600	407	3	correction	correction	NOUN
afbr-600	407	4	model	model	NOUN
afbr-600	407	5	shows	show	VERB
afbr-600	407	6	a	a	DET
afbr-600	407	7	negative	negative	ADJ
afbr-600	407	8	value	value	NOUN
afbr-600	407	9	of	of	ADP
afbr-600	407	10	-0.031462	-0.031462	NOUN
afbr-600	407	11	which	which	PRON
afbr-600	407	12	is	be	AUX
afbr-600	407	13	appropriate	appropriate	ADJ
afbr-600	407	14	and	and	CCONJ
afbr-600	407	15	is	be	AUX
afbr-600	407	16	significant	significant	ADJ
afbr-600	407	17	.	.	PUNCT
afbr-600	408	1	this	this	PRON
afbr-600	408	2	means	mean	VERB
afbr-600	408	3	that	that	SCONJ
afbr-600	408	4	3	3	NUM
afbr-600	408	5	percent	percent	NOUN
afbr-600	408	6	of	of	ADP
afbr-600	408	7	the	the	DET
afbr-600	408	8	deviation	deviation	NOUN
afbr-600	408	9	from	from	ADP
afbr-600	408	10	long	long	ADJ
afbr-600	408	11	run	run	NOUN
afbr-600	408	12	equilibrium	equilibrium	NOUN
afbr-600	408	13	relationship	relationship	NOUN
afbr-600	408	14	in	in	ADP
afbr-600	408	15	the	the	DET
afbr-600	408	16	credit	credit	NOUN
afbr-600	408	17	to	to	ADP
afbr-600	408	18	private	private	ADJ
afbr-600	408	19	sector	sector	NOUN
afbr-600	408	20	is	be	AUX
afbr-600	408	21	corrected	correct	VERB
afbr-600	408	22	every	every	DET
afbr-600	408	23	year	year	NOUN
afbr-600	408	24	since	since	SCONJ
afbr-600	408	25	credit	credit	NOUN
afbr-600	408	26	to	to	ADP
afbr-600	408	27	private	private	ADJ
afbr-600	408	28	sector	sector	NOUN
afbr-600	408	29	is	be	AUX
afbr-600	408	30	estimated	estimate	VERB
afbr-600	408	31	annually	annually	ADV
afbr-600	408	32	.	.	PUNCT
afbr-600	409	1	some	some	PRON
afbr-600	409	2	of	of	ADP
afbr-600	409	3	the	the	DET
afbr-600	409	4	values	value	NOUN
afbr-600	409	5	of	of	ADP
afbr-600	409	6	the	the	DET
afbr-600	409	7	coefficient	coefficient	NOUN
afbr-600	409	8	of	of	ADP
afbr-600	409	9	independent	independent	ADJ
afbr-600	409	10	variables	variable	NOUN
afbr-600	409	11	,	,	PUNCT
afbr-600	409	12	that	that	PRON
afbr-600	409	13	is	be	AUX
afbr-600	409	14	deposit	deposit	NOUN
afbr-600	409	15	money	money	NOUN
afbr-600	409	16	bank	bank	NOUN
afbr-600	409	17	policy	policy	NOUN
afbr-600	409	18	rates	rate	NOUN
afbr-600	409	19	are	be	AUX
afbr-600	409	20	positive	positive	ADJ
afbr-600	409	21	and	and	CCONJ
afbr-600	409	22	also	also	ADV
afbr-600	409	23	proved	prove	VERB
afbr-600	409	24	negative	negative	ADJ
afbr-600	409	25	at	at	ADP
afbr-600	409	26	various	various	ADJ
afbr-600	409	27	lags	lag	NOUN
afbr-600	409	28	.	.	PUNCT
afbr-600	410	1	the	the	DET
afbr-600	410	2	negative	negative	ADJ
afbr-600	410	3	findings	finding	NOUN
afbr-600	410	4	of	of	ADP
afbr-600	410	5	the	the	DET
afbr-600	410	6	study	study	NOUN
afbr-600	410	7	confirm	confirm	VERB
afbr-600	410	8	the	the	DET
afbr-600	410	9	findings	finding	NOUN
afbr-600	410	10	of	of	ADP
afbr-600	410	11	ogolo	ogolo	PROPN
afbr-600	410	12	(	(	PUNCT
afbr-600	410	13	2019	2019	NUM
afbr-600	410	14	)	)	PUNCT
afbr-600	410	15	who	who	PRON
afbr-600	410	16	found	find	VERB
afbr-600	410	17	that	that	SCONJ
afbr-600	410	18	interest	interest	NOUN
afbr-600	410	19	rate	rate	NOUN
afbr-600	410	20	,	,	PUNCT
afbr-600	410	21	treasury	treasury	PROPN
afbr-600	410	22	bill	bill	NOUN
afbr-600	410	23	rate	rate	NOUN
afbr-600	410	24	,	,	PUNCT
afbr-600	410	25	exchange	exchange	NOUN
afbr-600	410	26	rate	rate	NOUN
afbr-600	410	27	,	,	PUNCT
afbr-600	410	28	broad	broad	ADJ
afbr-600	410	29	money	money	NOUN
afbr-600	410	30	supply	supply	NOUN
afbr-600	410	31	and	and	CCONJ
afbr-600	410	32	liquidity	liquidity	NOUN
afbr-600	410	33	ratio	ratio	NOUN
afbr-600	410	34	have	have	VERB
afbr-600	410	35	negative	negative	ADJ
afbr-600	410	36	effect	effect	NOUN
afbr-600	410	37	on	on	ADP
afbr-600	410	38	commercial	commercial	ADJ
afbr-600	410	39	banks	bank	NOUN
afbr-600	410	40	’	'	PUNCT
afbr-600	410	41	lending	lending	NOUN
afbr-600	410	42	to	to	ADP
afbr-600	410	43	the	the	DET
afbr-600	410	44	manufacturing	manufacturing	NOUN
afbr-600	410	45	null	null	ADJ
afbr-600	410	46	hypothesis	hypothesis	NOUN
afbr-600	410	47	obs	obs	PROPN
afbr-600	410	48	f	f	PROPN
afbr-600	410	49	-	-	PUNCT
afbr-600	410	50	statistic	statistic	ADJ
afbr-600	410	51	prob	prob	NOUN
afbr-600	410	52	.	.	PUNCT
afbr-600	411	1	ltdr	ltdr	PROPN
afbr-600	411	2	does	do	AUX
afbr-600	411	3	not	not	PART
afbr-600	411	4	granger	granger	AUX
afbr-600	411	5	cause	cause	VERB
afbr-600	411	6	smes	sme	NOUN
afbr-600	411	7	32	32	NUM
afbr-600	411	8	0.96925	0.96925	NUM
afbr-600	411	9	0.3932	0.3932	NUM
afbr-600	411	10	smes	sme	NOUN
afbr-600	411	11	does	do	AUX
afbr-600	411	12	not	not	PART
afbr-600	411	13	granger	granger	VERB
afbr-600	411	14	cause	cause	VERB
afbr-600	411	15	ltdr	ltdr	NOUN
afbr-600	411	16	32	32	NUM
afbr-600	411	17	1.71470	1.71470	NUM
afbr-600	411	18	0.2005	0.2005	NUM
afbr-600	411	19	blr	blr	NOUN
afbr-600	411	20	does	do	AUX
afbr-600	411	21	not	not	PART
afbr-600	411	22	granger	granger	AUX
afbr-600	411	23	cause	cause	VERB
afbr-600	411	24	smes	sme	NOUN
afbr-600	411	25	32	32	NUM
afbr-600	411	26	1.43567	1.43567	NUM
afbr-600	411	27	0.2569	0.2569	NUM
afbr-600	411	28	smes	sme	NOUN
afbr-600	411	29	does	do	AUX
afbr-600	411	30	not	not	PART
afbr-600	411	31	granger	granger	AUX
afbr-600	411	32	cause	cause	VERB
afbr-600	411	33	blr	blr	PROPN
afbr-600	411	34	32	32	NUM
afbr-600	411	35	0.86750	0.86750	NUM
afbr-600	411	36	0.4323	0.4323	NUM
afbr-600	411	37	copyright	copyright	NOUN
afbr-600	411	38	©	©	PROPN
afbr-600	411	39	cc	cc	NOUN
afbr-600	411	40	-	-	PUNCT
afbr-600	411	41	by	by	ADP
afbr-600	411	42	-	-	PUNCT
afbr-600	411	43	nc	nc	PROPN
afbr-600	411	44	2019	2019	NUM
afbr-600	411	45	,	,	PUNCT
afbr-600	411	46	cribfb	cribfb	PROPN
afbr-600	411	47	|	|	ADV
afbr-600	411	48	afbr	afbr	PROPN
afbr-600	411	49	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	411	50	australian	australian	ADJ
afbr-600	411	51	finance	finance	PROPN
afbr-600	411	52	&	&	CCONJ
afbr-600	411	53	banking	banking	PROPN
afbr-600	411	54	review	review	PROPN
afbr-600	411	55	vol	vol	NOUN
afbr-600	411	56	.	.	PROPN
afbr-600	412	1	4	4	NUM
afbr-600	412	2	,	,	PUNCT
afbr-600	412	3	no	no	INTJ
afbr-600	412	4	.	.	NOUN
afbr-600	412	5	1	1	NUM
afbr-600	412	6	;	;	PUNCT
afbr-600	412	7	2020	2020	NUM
afbr-600	412	8	31	31	NUM
afbr-600	412	9	sector	sector	NOUN
afbr-600	412	10	.	.	PUNCT
afbr-600	413	1	ajayi	ajayi	NOUN
afbr-600	413	2	and	and	CCONJ
afbr-600	413	3	atanda	atanda	X
afbr-600	413	4	(	(	PUNCT
afbr-600	413	5	2012	2012	NUM
afbr-600	413	6	)	)	PUNCT
afbr-600	413	7	that	that	SCONJ
afbr-600	413	8	liquidity	liquidity	NOUN
afbr-600	413	9	ratio	ratio	NOUN
afbr-600	413	10	and	and	CCONJ
afbr-600	413	11	cash	cash	NOUN
afbr-600	413	12	reserve	reserve	NOUN
afbr-600	413	13	ratio	ratio	NOUN
afbr-600	413	14	exert	exert	VERB
afbr-600	413	15	negative	negative	ADJ
afbr-600	413	16	impact	impact	NOUN
afbr-600	413	17	on	on	ADP
afbr-600	413	18	banks	bank	NOUN
afbr-600	413	19	total	total	ADJ
afbr-600	413	20	credit	credit	NOUN
afbr-600	413	21	and	and	CCONJ
afbr-600	413	22	jegede	jegede	NOUN
afbr-600	413	23	(	(	PUNCT
afbr-600	413	24	2014	2014	NUM
afbr-600	413	25	)	)	PUNCT
afbr-600	413	26	who	who	PRON
afbr-600	413	27	finds	find	VERB
afbr-600	413	28	that	that	SCONJ
afbr-600	413	29	liquidity	liquidity	NOUN
afbr-600	413	30	ratio	ratio	NOUN
afbr-600	413	31	and	and	CCONJ
afbr-600	413	32	money	money	NOUN
afbr-600	413	33	supply	supply	NOUN
afbr-600	413	34	exert	exert	VERB
afbr-600	413	35	negative	negative	ADJ
afbr-600	413	36	effect	effect	NOUN
afbr-600	413	37	on	on	ADP
afbr-600	413	38	commercial	commercial	ADJ
afbr-600	413	39	bank	bank	NOUN
afbr-600	413	40	’s	’s	PART
afbr-600	413	41	loans	loan	NOUN
afbr-600	413	42	and	and	CCONJ
afbr-600	413	43	advances	advance	NOUN
afbr-600	413	44	.	.	PUNCT
afbr-600	414	1	daniel	daniel	PROPN
afbr-600	414	2	(	(	PUNCT
afbr-600	414	3	2017	2017	NUM
afbr-600	414	4	)	)	PUNCT
afbr-600	414	5	opine	opine	VERB
afbr-600	414	6	that	that	SCONJ
afbr-600	414	7	the	the	DET
afbr-600	414	8	correlation	correlation	NOUN
afbr-600	414	9	results	result	NOUN
afbr-600	414	10	reveal	reveal	VERB
afbr-600	414	11	positive	positive	ADJ
afbr-600	414	12	impacts	impact	NOUN
afbr-600	414	13	between	between	ADP
afbr-600	414	14	return	return	NOUN
afbr-600	414	15	on	on	ADP
afbr-600	414	16	equity	equity	NOUN
afbr-600	414	17	and	and	CCONJ
afbr-600	414	18	liquidity	liquidity	NOUN
afbr-600	414	19	management	management	NOUN
afbr-600	414	20	variables	variable	NOUN
afbr-600	414	21	:	:	PUNCT
afbr-600	414	22	liquidity	liquidity	NOUN
afbr-600	414	23	and	and	CCONJ
afbr-600	414	24	cash	cash	NOUN
afbr-600	414	25	reserve	reserve	NOUN
afbr-600	414	26	ratios	ratio	NOUN
afbr-600	414	27	,	,	PUNCT
afbr-600	414	28	whereas	whereas	SCONJ
afbr-600	414	29	loan	loan	NOUN
afbr-600	414	30	to	to	ADP
afbr-600	414	31	deposit	deposit	NOUN
afbr-600	414	32	ratio	ratio	NOUN
afbr-600	414	33	shows	show	VERB
afbr-600	414	34	negative	negative	ADJ
afbr-600	414	35	impact	impact	NOUN
afbr-600	414	36	.	.	PUNCT
afbr-600	415	1	also	also	ADV
afbr-600	415	2	,	,	PUNCT
afbr-600	415	3	alphonce	alphonce	NOUN
afbr-600	415	4	,	,	PUNCT
afbr-600	415	5	et	et	PROPN
afbr-600	415	6	al	al	PROPN
afbr-600	415	7	.	.	PROPN
afbr-600	416	1	(	(	PUNCT
afbr-600	416	2	2015	2015	NUM
afbr-600	416	3	)	)	PUNCT
afbr-600	416	4	opine	opine	VERB
afbr-600	416	5	that	that	SCONJ
afbr-600	416	6	the	the	DET
afbr-600	416	7	negative	negative	ADJ
afbr-600	416	8	impact	impact	NOUN
afbr-600	416	9	implies	imply	VERB
afbr-600	416	10	that	that	SCONJ
afbr-600	416	11	an	an	DET
afbr-600	416	12	inverse	inverse	NOUN
afbr-600	416	13	relationship	relationship	NOUN
afbr-600	416	14	exists	exist	VERB
afbr-600	416	15	between	between	ADP
afbr-600	416	16	the	the	DET
afbr-600	416	17	ratio	ratio	NOUN
afbr-600	416	18	of	of	ADP
afbr-600	416	19	loans	loan	NOUN
afbr-600	416	20	to	to	ADP
afbr-600	416	21	deposits	deposit	NOUN
afbr-600	416	22	and	and	CCONJ
afbr-600	416	23	a	a	DET
afbr-600	416	24	bank	bank	NOUN
afbr-600	416	25	’s	’s	PART
afbr-600	416	26	profitability	profitability	NOUN
afbr-600	416	27	.	.	PUNCT
afbr-600	417	1	from	from	ADP
afbr-600	417	2	model	model	NOUN
afbr-600	417	3	2	2	NUM
afbr-600	417	4	,	,	PUNCT
afbr-600	417	5	the	the	DET
afbr-600	417	6	estimated	estimate	VERB
afbr-600	417	7	regression	regression	NOUN
afbr-600	417	8	model	model	NOUN
afbr-600	417	9	from	from	ADP
afbr-600	417	10	result	result	NOUN
afbr-600	417	11	of	of	ADP
afbr-600	417	12	the	the	DET
afbr-600	417	13	vector	vector	NOUN
afbr-600	417	14	error	error	NOUN
afbr-600	417	15	correction	correction	NOUN
afbr-600	417	16	model	model	NOUN
afbr-600	417	17	in	in	ADP
afbr-600	417	18	table	table	NOUN
afbr-600	417	19	4	4	NUM
afbr-600	417	20	the	the	DET
afbr-600	417	21	relationship	relationship	NOUN
afbr-600	417	22	between	between	ADP
afbr-600	417	23	deposit	deposit	NOUN
afbr-600	417	24	money	money	NOUN
afbr-600	417	25	bank	bank	NOUN
afbr-600	417	26	policy	policy	NOUN
afbr-600	417	27	rates	rate	NOUN
afbr-600	417	28	and	and	CCONJ
afbr-600	417	29	credit	credit	NOUN
afbr-600	417	30	to	to	PART
afbr-600	417	31	core	core	VERB
afbr-600	417	32	private	private	ADJ
afbr-600	417	33	sector	sector	NOUN
afbr-600	417	34	is	be	AUX
afbr-600	417	35	moderate	moderate	ADJ
afbr-600	417	36	and	and	CCONJ
afbr-600	417	37	not	not	PART
afbr-600	417	38	significant	significant	ADJ
afbr-600	417	39	.	.	PUNCT
afbr-600	418	1	this	this	PRON
afbr-600	418	2	is	be	AUX
afbr-600	418	3	because	because	SCONJ
afbr-600	418	4	of	of	ADP
afbr-600	418	5	an	an	DET
afbr-600	418	6	r2	r2	NOUN
afbr-600	418	7	of	of	ADP
afbr-600	418	8	0.281129	0.281129	NUM
afbr-600	418	9	meaning	mean	VERB
afbr-600	418	10	that	that	SCONJ
afbr-600	418	11	the	the	DET
afbr-600	418	12	model	model	NOUN
afbr-600	418	13	explains	explain	VERB
afbr-600	418	14	approximately	approximately	ADV
afbr-600	418	15	28.1	28.1	NUM
afbr-600	418	16	percent	percent	NOUN
afbr-600	418	17	of	of	ADP
afbr-600	418	18	the	the	DET
afbr-600	418	19	total	total	ADJ
afbr-600	418	20	variations	variation	NOUN
afbr-600	418	21	in	in	ADP
afbr-600	418	22	the	the	DET
afbr-600	418	23	credit	credit	NOUN
afbr-600	418	24	to	to	PART
afbr-600	418	25	core	core	VERB
afbr-600	418	26	private	private	ADJ
afbr-600	418	27	sector	sector	NOUN
afbr-600	418	28	.	.	PUNCT
afbr-600	419	1	the	the	DET
afbr-600	419	2	error	error	NOUN
afbr-600	419	3	correction	correction	NOUN
afbr-600	419	4	model	model	NOUN
afbr-600	419	5	shows	show	VERB
afbr-600	419	6	a	a	DET
afbr-600	419	7	positive	positive	ADJ
afbr-600	419	8	value	value	NOUN
afbr-600	419	9	of	of	ADP
afbr-600	419	10	0.379914	0.379914	NUM
afbr-600	419	11	which	which	PRON
afbr-600	419	12	is	be	AUX
afbr-600	419	13	appropriate	appropriate	ADJ
afbr-600	419	14	and	and	CCONJ
afbr-600	419	15	is	be	AUX
afbr-600	419	16	significant	significant	ADJ
afbr-600	419	17	.	.	PUNCT
afbr-600	420	1	this	this	PRON
afbr-600	420	2	means	mean	VERB
afbr-600	420	3	that	that	SCONJ
afbr-600	420	4	37	37	NUM
afbr-600	420	5	percent	percent	NOUN
afbr-600	420	6	of	of	ADP
afbr-600	420	7	the	the	DET
afbr-600	420	8	deviation	deviation	NOUN
afbr-600	420	9	from	from	ADP
afbr-600	420	10	long	long	ADJ
afbr-600	420	11	run	run	NOUN
afbr-600	420	12	equilibrium	equilibrium	NOUN
afbr-600	420	13	relationship	relationship	NOUN
afbr-600	420	14	in	in	ADP
afbr-600	420	15	the	the	DET
afbr-600	420	16	credit	credit	NOUN
afbr-600	420	17	to	to	PART
afbr-600	420	18	core	core	VERB
afbr-600	420	19	private	private	ADJ
afbr-600	420	20	sector	sector	NOUN
afbr-600	420	21	is	be	AUX
afbr-600	420	22	corrected	correct	VERB
afbr-600	420	23	every	every	DET
afbr-600	420	24	year	year	NOUN
afbr-600	420	25	since	since	SCONJ
afbr-600	420	26	credit	credit	NOUN
afbr-600	420	27	to	to	PART
afbr-600	420	28	core	core	VERB
afbr-600	420	29	private	private	ADJ
afbr-600	420	30	sector	sector	NOUN
afbr-600	420	31	is	be	AUX
afbr-600	420	32	estimated	estimate	VERB
afbr-600	420	33	annually	annually	ADV
afbr-600	420	34	.	.	PUNCT
afbr-600	421	1	some	some	PRON
afbr-600	421	2	of	of	ADP
afbr-600	421	3	the	the	DET
afbr-600	421	4	values	value	NOUN
afbr-600	421	5	of	of	ADP
afbr-600	421	6	the	the	DET
afbr-600	421	7	coefficient	coefficient	NOUN
afbr-600	421	8	of	of	ADP
afbr-600	421	9	independent	independent	ADJ
afbr-600	421	10	variables	variable	NOUN
afbr-600	421	11	that	that	PRON
afbr-600	421	12	is	be	AUX
afbr-600	421	13	dmbs	dmb	NOUN
afbr-600	421	14	policy	policy	NOUN
afbr-600	421	15	rates	rate	NOUN
afbr-600	421	16	are	be	AUX
afbr-600	421	17	positive	positive	ADJ
afbr-600	421	18	and	and	CCONJ
afbr-600	421	19	also	also	ADV
afbr-600	421	20	proved	prove	VERB
afbr-600	421	21	negative	negative	ADJ
afbr-600	421	22	at	at	ADP
afbr-600	421	23	various	various	ADJ
afbr-600	421	24	lags	lag	NOUN
afbr-600	421	25	.	.	PUNCT
afbr-600	422	1	the	the	DET
afbr-600	422	2	positive	positive	ADJ
afbr-600	422	3	findings	finding	NOUN
afbr-600	422	4	confirm	confirm	VERB
afbr-600	422	5	the	the	DET
afbr-600	422	6	findings	finding	NOUN
afbr-600	422	7	of	of	ADP
afbr-600	422	8	dhanuskodi	dhanuskodi	PROPN
afbr-600	422	9	(	(	PUNCT
afbr-600	422	10	2015	2015	NUM
afbr-600	422	11	)	)	PUNCT
afbr-600	422	12	that	that	SCONJ
afbr-600	422	13	there	there	PRON
afbr-600	422	14	was	be	VERB
afbr-600	422	15	a	a	DET
afbr-600	422	16	positive	positive	ADJ
afbr-600	422	17	and	and	CCONJ
afbr-600	422	18	non	non	ADJ
afbr-600	422	19	-	-	ADJ
afbr-600	422	20	significant	significant	ADJ
afbr-600	422	21	impact	impact	NOUN
afbr-600	422	22	of	of	ADP
afbr-600	422	23	ldr	ldr	PROPN
afbr-600	422	24	on	on	ADP
afbr-600	422	25	roa	roa	PROPN
afbr-600	422	26	in	in	ADP
afbr-600	422	27	five	five	NUM
afbr-600	422	28	banks	bank	NOUN
afbr-600	422	29	out	out	ADP
afbr-600	422	30	of	of	ADP
afbr-600	422	31	the	the	DET
afbr-600	422	32	8	8	NUM
afbr-600	422	33	studied	study	VERB
afbr-600	422	34	banks	bank	NOUN
afbr-600	422	35	.	.	PUNCT
afbr-600	423	1	it	it	PRON
afbr-600	423	2	also	also	ADV
afbr-600	423	3	confirms	confirm	VERB
afbr-600	423	4	the	the	DET
afbr-600	423	5	findings	finding	NOUN
afbr-600	423	6	of	of	ADP
afbr-600	423	7	atemnkenf	atemnkenf	PROPN
afbr-600	423	8	and	and	CCONJ
afbr-600	423	9	josep	josep	PROPN
afbr-600	423	10	(	(	PUNCT
afbr-600	423	11	2006	2006	NUM
afbr-600	423	12	)	)	PUNCT
afbr-600	423	13	,	,	PUNCT
afbr-600	423	14	cited	cite	VERB
afbr-600	423	15	in	in	ADP
afbr-600	423	16	husain	husain	PROPN
afbr-600	423	17	and	and	CCONJ
afbr-600	423	18	abdullah	abdullah	PROPN
afbr-600	423	19	(	(	PUNCT
afbr-600	423	20	2008	2008	NUM
afbr-600	423	21	)	)	PUNCT
afbr-600	423	22	,	,	PUNCT
afbr-600	423	23	whose	whose	DET
afbr-600	423	24	findings	finding	NOUN
afbr-600	423	25	illustrated	illustrate	VERB
afbr-600	423	26	a	a	DET
afbr-600	423	27	positive	positive	ADJ
afbr-600	423	28	correlation	correlation	NOUN
afbr-600	423	29	between	between	ADP
afbr-600	423	30	the	the	DET
afbr-600	423	31	loan	loan	NOUN
afbr-600	423	32	to	to	PART
afbr-600	423	33	deposit	deposit	VERB
afbr-600	423	34	ratio	ratio	NOUN
afbr-600	423	35	and	and	CCONJ
afbr-600	423	36	bank	bank	NOUN
afbr-600	423	37	’s	’s	PART
afbr-600	423	38	profitability	profitability	NOUN
afbr-600	423	39	.	.	PUNCT
afbr-600	424	1	conversely	conversely	ADV
afbr-600	424	2	,	,	PUNCT
afbr-600	424	3	daniel	daniel	PROPN
afbr-600	424	4	(	(	PUNCT
afbr-600	424	5	2017	2017	NUM
afbr-600	424	6	)	)	PUNCT
afbr-600	424	7	opine	opine	VERB
afbr-600	424	8	that	that	SCONJ
afbr-600	424	9	the	the	DET
afbr-600	424	10	correlation	correlation	NOUN
afbr-600	424	11	results	result	NOUN
afbr-600	424	12	reveal	reveal	VERB
afbr-600	424	13	positive	positive	ADJ
afbr-600	424	14	impacts	impact	NOUN
afbr-600	424	15	between	between	ADP
afbr-600	424	16	return	return	NOUN
afbr-600	424	17	on	on	ADP
afbr-600	424	18	equity	equity	NOUN
afbr-600	424	19	and	and	CCONJ
afbr-600	424	20	liquidity	liquidity	NOUN
afbr-600	424	21	management	management	NOUN
afbr-600	424	22	variables	variable	NOUN
afbr-600	424	23	(	(	PUNCT
afbr-600	424	24	liquidity	liquidity	NOUN
afbr-600	424	25	and	and	CCONJ
afbr-600	424	26	cash	cash	NOUN
afbr-600	424	27	reserve	reserve	NOUN
afbr-600	424	28	ratios	ratio	NOUN
afbr-600	424	29	)	)	PUNCT
afbr-600	424	30	.	.	PUNCT
afbr-600	425	1	the	the	DET
afbr-600	425	2	positive	positive	ADJ
afbr-600	425	3	findings	finding	NOUN
afbr-600	425	4	of	of	ADP
afbr-600	425	5	the	the	DET
afbr-600	425	6	study	study	NOUN
afbr-600	425	7	also	also	ADV
afbr-600	425	8	confirm	confirm	VERB
afbr-600	425	9	the	the	DET
afbr-600	425	10	findings	finding	NOUN
afbr-600	425	11	of	of	ADP
afbr-600	425	12	anigbogu	anigbogu	NOUN
afbr-600	425	13	,	,	PUNCT
afbr-600	425	14	okoli	okoli	NOUN
afbr-600	425	15	and	and	CCONJ
afbr-600	425	16	nwakoby	nwakoby	NOUN
afbr-600	425	17	(	(	PUNCT
afbr-600	425	18	2015	2015	NUM
afbr-600	425	19	)	)	PUNCT
afbr-600	425	20	that	that	SCONJ
afbr-600	425	21	with	with	ADP
afbr-600	425	22	the	the	DET
afbr-600	425	23	exception	exception	NOUN
afbr-600	425	24	of	of	ADP
afbr-600	425	25	bank	bank	NOUN
afbr-600	425	26	interest	interest	NOUN
afbr-600	425	27	rate	rate	NOUN
afbr-600	425	28	to	to	ADP
afbr-600	425	29	smes	sme	NOUN
afbr-600	425	30	,	,	PUNCT
afbr-600	425	31	all	all	DET
afbr-600	425	32	other	other	ADJ
afbr-600	425	33	variables	variable	NOUN
afbr-600	425	34	namely	namely	ADV
afbr-600	425	35	bank	bank	NOUN
afbr-600	425	36	lending	lending	NOUN
afbr-600	425	37	rate	rate	NOUN
afbr-600	425	38	to	to	ADP
afbr-600	425	39	smes	sme	NOUN
afbr-600	425	40	,	,	PUNCT
afbr-600	425	41	exchange	exchange	NOUN
afbr-600	425	42	rate	rate	NOUN
afbr-600	425	43	and	and	CCONJ
afbr-600	425	44	monetary	monetary	ADJ
afbr-600	425	45	policy	policy	NOUN
afbr-600	425	46	have	have	VERB
afbr-600	425	47	a	a	DET
afbr-600	425	48	positive	positive	ADJ
afbr-600	425	49	and	and	CCONJ
afbr-600	425	50	significant	significant	ADJ
afbr-600	425	51	influence	influence	NOUN
afbr-600	425	52	on	on	ADP
afbr-600	425	53	small	small	ADJ
afbr-600	425	54	and	and	CCONJ
afbr-600	425	55	medium	medium	ADJ
afbr-600	425	56	enterprises	enterprise	NOUN
afbr-600	425	57	performance	performance	NOUN
afbr-600	425	58	in	in	ADP
afbr-600	425	59	nigeria	nigeria	PROPN
afbr-600	425	60	.	.	PUNCT
afbr-600	426	1	dada	dada	PROPN
afbr-600	426	2	(	(	PUNCT
afbr-600	426	3	2014	2014	NUM
afbr-600	426	4	)	)	PUNCT
afbr-600	426	5	opines	opine	VERB
afbr-600	426	6	that	that	SCONJ
afbr-600	426	7	commercial	commercial	ADJ
afbr-600	426	8	banks	bank	NOUN
afbr-600	426	9	credit	credit	NOUN
afbr-600	426	10	to	to	ADP
afbr-600	426	11	smes	sme	NOUN
afbr-600	426	12	and	and	CCONJ
afbr-600	426	13	the	the	DET
afbr-600	426	14	saving	saving	NOUN
afbr-600	426	15	and	and	CCONJ
afbr-600	426	16	time	time	NOUN
afbr-600	426	17	deposit	deposit	NOUN
afbr-600	426	18	of	of	ADP
afbr-600	426	19	commercial	commercial	ADJ
afbr-600	426	20	banks	bank	NOUN
afbr-600	426	21	exert	exert	VERB
afbr-600	426	22	a	a	DET
afbr-600	426	23	positive	positive	ADJ
afbr-600	426	24	and	and	CCONJ
afbr-600	426	25	significant	significant	ADJ
afbr-600	426	26	influence	influence	NOUN
afbr-600	426	27	on	on	ADP
afbr-600	426	28	smes	sme	NOUN
afbr-600	426	29	and	and	CCONJ
afbr-600	426	30	suleyman	suleyman	NOUN
afbr-600	426	31	(	(	PUNCT
afbr-600	426	32	2013	2013	NUM
afbr-600	426	33	)	)	PUNCT
afbr-600	426	34	that	that	SCONJ
afbr-600	426	35	money	money	NOUN
afbr-600	426	36	supply	supply	NOUN
afbr-600	426	37	has	have	VERB
afbr-600	426	38	a	a	DET
afbr-600	426	39	strong	strong	ADJ
afbr-600	426	40	effect	effect	NOUN
afbr-600	426	41	for	for	ADP
afbr-600	426	42	manufacturing	manufacturing	NOUN
afbr-600	426	43	sector	sector	NOUN
afbr-600	426	44	credit	credit	NOUN
afbr-600	426	45	volume	volume	NOUN
afbr-600	426	46	.	.	PUNCT
afbr-600	427	1	the	the	DET
afbr-600	427	2	negative	negative	ADJ
afbr-600	427	3	findings	finding	NOUN
afbr-600	427	4	of	of	ADP
afbr-600	427	5	the	the	DET
afbr-600	427	6	study	study	NOUN
afbr-600	427	7	confirm	confirm	VERB
afbr-600	427	8	the	the	DET
afbr-600	427	9	findings	finding	NOUN
afbr-600	427	10	of	of	ADP
afbr-600	427	11	ajayi	ajayi	NOUN
afbr-600	427	12	and	and	CCONJ
afbr-600	427	13	atanda	atanda	X
afbr-600	427	14	(	(	PUNCT
afbr-600	427	15	2012	2012	NUM
afbr-600	427	16	)	)	PUNCT
afbr-600	427	17	that	that	SCONJ
afbr-600	427	18	liquidity	liquidity	NOUN
afbr-600	427	19	ratio	ratio	NOUN
afbr-600	427	20	and	and	CCONJ
afbr-600	427	21	cash	cash	NOUN
afbr-600	427	22	reserve	reserve	NOUN
afbr-600	427	23	ratio	ratio	NOUN
afbr-600	427	24	exert	exert	VERB
afbr-600	427	25	negative	negative	ADJ
afbr-600	427	26	impact	impact	NOUN
afbr-600	427	27	on	on	ADP
afbr-600	427	28	banks	bank	NOUN
afbr-600	427	29	total	total	ADJ
afbr-600	427	30	credit	credit	NOUN
afbr-600	427	31	and	and	CCONJ
afbr-600	427	32	jegede	jegede	NOUN
afbr-600	427	33	(	(	PUNCT
afbr-600	427	34	2014	2014	NUM
afbr-600	427	35	)	)	PUNCT
afbr-600	427	36	who	who	PRON
afbr-600	427	37	finds	find	VERB
afbr-600	427	38	that	that	SCONJ
afbr-600	427	39	liquidity	liquidity	NOUN
afbr-600	427	40	ratio	ratio	NOUN
afbr-600	427	41	and	and	CCONJ
afbr-600	427	42	money	money	NOUN
afbr-600	427	43	supply	supply	NOUN
afbr-600	427	44	exert	exert	VERB
afbr-600	427	45	negative	negative	ADJ
afbr-600	427	46	effect	effect	NOUN
afbr-600	427	47	on	on	ADP
afbr-600	427	48	commercial	commercial	ADJ
afbr-600	427	49	bank	bank	NOUN
afbr-600	427	50	’s	’s	PART
afbr-600	427	51	loans	loan	NOUN
afbr-600	427	52	and	and	CCONJ
afbr-600	427	53	advances	advance	NOUN
afbr-600	427	54	.	.	PUNCT
afbr-600	428	1	in	in	ADP
afbr-600	428	2	model	model	NOUN
afbr-600	428	3	3	3	NUM
afbr-600	428	4	,	,	PUNCT
afbr-600	428	5	it	it	PRON
afbr-600	428	6	is	be	AUX
afbr-600	428	7	evidence	evidence	NOUN
afbr-600	428	8	that	that	SCONJ
afbr-600	428	9	the	the	DET
afbr-600	428	10	estimated	estimate	VERB
afbr-600	428	11	regression	regression	NOUN
afbr-600	428	12	model	model	NOUN
afbr-600	428	13	from	from	ADP
afbr-600	428	14	result	result	NOUN
afbr-600	428	15	of	of	ADP
afbr-600	428	16	the	the	DET
afbr-600	428	17	vector	vector	NOUN
afbr-600	428	18	error	error	NOUN
afbr-600	428	19	correction	correction	NOUN
afbr-600	428	20	result	result	VERB
afbr-600	428	21	in	in	ADP
afbr-600	428	22	table	table	NOUN
afbr-600	428	23	9	9	NUM
afbr-600	428	24	that	that	SCONJ
afbr-600	428	25	the	the	DET
afbr-600	428	26	relationship	relationship	NOUN
afbr-600	428	27	between	between	ADP
afbr-600	428	28	deposit	deposit	NOUN
afbr-600	428	29	money	money	NOUN
afbr-600	428	30	banks	bank	NOUN
afbr-600	428	31	policy	policy	NOUN
afbr-600	428	32	rate	rate	NOUN
afbr-600	428	33	and	and	CCONJ
afbr-600	428	34	credit	credit	NOUN
afbr-600	428	35	to	to	ADP
afbr-600	428	36	small	small	ADJ
afbr-600	428	37	and	and	CCONJ
afbr-600	428	38	medium	medium	ADJ
afbr-600	428	39	scale	scale	NOUN
afbr-600	428	40	enterprises	enterprise	NOUN
afbr-600	428	41	sector	sector	NOUN
afbr-600	428	42	is	be	AUX
afbr-600	428	43	high	high	ADJ
afbr-600	428	44	and	and	CCONJ
afbr-600	428	45	significant	significant	ADJ
afbr-600	428	46	.	.	PUNCT
afbr-600	429	1	this	this	PRON
afbr-600	429	2	is	be	AUX
afbr-600	429	3	because	because	SCONJ
afbr-600	429	4	of	of	ADP
afbr-600	429	5	an	an	DET
afbr-600	429	6	r2	r2	NOUN
afbr-600	429	7	of	of	ADP
afbr-600	429	8	0.589935	0.589935	NUM
afbr-600	429	9	meaning	mean	VERB
afbr-600	429	10	that	that	SCONJ
afbr-600	429	11	the	the	DET
afbr-600	429	12	model	model	NOUN
afbr-600	429	13	explains	explain	VERB
afbr-600	429	14	approximately	approximately	ADV
afbr-600	429	15	58.9	58.9	NUM
afbr-600	429	16	percent	percent	NOUN
afbr-600	429	17	of	of	ADP
afbr-600	429	18	the	the	DET
afbr-600	429	19	total	total	ADJ
afbr-600	429	20	variations	variation	NOUN
afbr-600	429	21	in	in	ADP
afbr-600	429	22	the	the	DET
afbr-600	429	23	credit	credit	NOUN
afbr-600	429	24	to	to	ADP
afbr-600	429	25	small	small	ADJ
afbr-600	429	26	and	and	CCONJ
afbr-600	429	27	medium	medium	ADJ
afbr-600	429	28	scale	scale	NOUN
afbr-600	429	29	enterprises	enterprise	NOUN
afbr-600	429	30	sector	sector	NOUN
afbr-600	429	31	.	.	PUNCT
afbr-600	430	1	it	it	PRON
afbr-600	430	2	is	be	AUX
afbr-600	430	3	also	also	ADV
afbr-600	430	4	evidence	evidence	NOUN
afbr-600	430	5	that	that	SCONJ
afbr-600	430	6	the	the	DET
afbr-600	430	7	error	error	NOUN
afbr-600	430	8	correction	correction	NOUN
afbr-600	430	9	model	model	NOUN
afbr-600	430	10	shows	show	VERB
afbr-600	430	11	a	a	DET
afbr-600	430	12	negative	negative	ADJ
afbr-600	430	13	value	value	NOUN
afbr-600	430	14	of	of	ADP
afbr-600	430	15	-0.428681	-0.428681	PRON
afbr-600	430	16	which	which	PRON
afbr-600	430	17	is	be	AUX
afbr-600	430	18	appropriate	appropriate	ADJ
afbr-600	430	19	and	and	CCONJ
afbr-600	430	20	is	be	AUX
afbr-600	430	21	significant	significant	ADJ
afbr-600	430	22	.	.	PUNCT
afbr-600	431	1	this	this	PRON
afbr-600	431	2	means	mean	VERB
afbr-600	431	3	that	that	SCONJ
afbr-600	431	4	42	42	NUM
afbr-600	431	5	percent	percent	NOUN
afbr-600	431	6	of	of	ADP
afbr-600	431	7	the	the	DET
afbr-600	431	8	deviation	deviation	NOUN
afbr-600	431	9	from	from	ADP
afbr-600	431	10	long	long	ADJ
afbr-600	431	11	run	run	NOUN
afbr-600	431	12	equilibrium	equilibrium	NOUN
afbr-600	431	13	relationship	relationship	NOUN
afbr-600	431	14	in	in	ADP
afbr-600	431	15	the	the	DET
afbr-600	431	16	credit	credit	NOUN
afbr-600	431	17	to	to	ADP
afbr-600	431	18	small	small	ADJ
afbr-600	431	19	and	and	CCONJ
afbr-600	431	20	medium	medium	ADJ
afbr-600	431	21	scale	scale	NOUN
afbr-600	431	22	enterprises	enterprise	NOUN
afbr-600	431	23	sector	sector	NOUN
afbr-600	431	24	is	be	AUX
afbr-600	431	25	corrected	correct	VERB
afbr-600	431	26	every	every	DET
afbr-600	431	27	year	year	NOUN
afbr-600	431	28	since	since	SCONJ
afbr-600	431	29	credit	credit	NOUN
afbr-600	431	30	to	to	ADP
afbr-600	431	31	small	small	ADJ
afbr-600	431	32	and	and	CCONJ
afbr-600	431	33	medium	medium	ADJ
afbr-600	431	34	scale	scale	NOUN
afbr-600	431	35	enterprises	enterprise	NOUN
afbr-600	431	36	sector	sector	NOUN
afbr-600	431	37	is	be	AUX
afbr-600	431	38	estimated	estimate	VERB
afbr-600	431	39	annually	annually	ADV
afbr-600	431	40	.	.	PUNCT
afbr-600	432	1	some	some	PRON
afbr-600	432	2	of	of	ADP
afbr-600	432	3	the	the	DET
afbr-600	432	4	values	value	NOUN
afbr-600	432	5	of	of	ADP
afbr-600	432	6	the	the	DET
afbr-600	432	7	coefficient	coefficient	NOUN
afbr-600	432	8	of	of	ADP
afbr-600	432	9	independent	independent	ADJ
afbr-600	432	10	variables	variable	NOUN
afbr-600	432	11	,	,	PUNCT
afbr-600	432	12	that	that	PRON
afbr-600	432	13	is	be	AUX
afbr-600	432	14	deposit	deposit	NOUN
afbr-600	432	15	money	money	NOUN
afbr-600	432	16	bank	bank	NOUN
afbr-600	432	17	policy	policy	NOUN
afbr-600	432	18	rates	rate	NOUN
afbr-600	432	19	are	be	AUX
afbr-600	432	20	positive	positive	ADJ
afbr-600	432	21	and	and	CCONJ
afbr-600	432	22	also	also	ADV
afbr-600	432	23	proved	prove	VERB
afbr-600	432	24	negative	negative	ADJ
afbr-600	432	25	at	at	ADP
afbr-600	432	26	various	various	ADJ
afbr-600	432	27	lags	lag	NOUN
afbr-600	432	28	.	.	PUNCT
afbr-600	433	1	the	the	DET
afbr-600	433	2	positive	positive	ADJ
afbr-600	433	3	effect	effect	NOUN
afbr-600	433	4	of	of	ADP
afbr-600	433	5	the	the	DET
afbr-600	433	6	variables	variable	NOUN
afbr-600	433	7	as	as	SCONJ
afbr-600	433	8	shown	show	VERB
afbr-600	433	9	confirm	confirm	VERB
afbr-600	433	10	the	the	DET
afbr-600	433	11	a	a	PRON
afbr-600	433	12	-	-	PUNCT
afbr-600	433	13	priori	priori	ADJ
afbr-600	433	14	expectation	expectation	NOUN
afbr-600	433	15	of	of	ADP
afbr-600	433	16	the	the	DET
afbr-600	433	17	study	study	NOUN
afbr-600	433	18	and	and	CCONJ
afbr-600	433	19	validates	validate	VERB
afbr-600	433	20	the	the	DET
afbr-600	433	21	objectives	objective	NOUN
afbr-600	433	22	of	of	ADP
afbr-600	433	23	monetary	monetary	ADJ
afbr-600	433	24	policy	policy	NOUN
afbr-600	433	25	.	.	PUNCT
afbr-600	434	1	the	the	DET
afbr-600	434	2	findings	finding	NOUN
afbr-600	434	3	also	also	ADV
afbr-600	434	4	confirm	confirm	VERB
afbr-600	434	5	the	the	DET
afbr-600	434	6	findings	finding	NOUN
afbr-600	434	7	of	of	ADP
afbr-600	434	8	akambi	akambi	NOUN
afbr-600	434	9	and	and	CCONJ
afbr-600	434	10	ajagbe	ajagbe	NOUN
afbr-600	434	11	(	(	PUNCT
afbr-600	434	12	2012	2012	NUM
afbr-600	434	13	)	)	PUNCT
afbr-600	434	14	that	that	PRON
afbr-600	434	15	increase	increase	VERB
afbr-600	434	16	in	in	ADP
afbr-600	434	17	interest	interest	NOUN
afbr-600	434	18	rate	rate	NOUN
afbr-600	434	19	will	will	AUX
afbr-600	434	20	leads	lead	VERB
afbr-600	434	21	to	to	ADP
afbr-600	434	22	a	a	DET
afbr-600	434	23	decrease	decrease	NOUN
afbr-600	434	24	in	in	ADP
afbr-600	434	25	the	the	DET
afbr-600	434	26	lending	lending	NOUN
afbr-600	434	27	rate	rate	NOUN
afbr-600	434	28	while	while	SCONJ
afbr-600	434	29	liquidity	liquidity	NOUN
afbr-600	434	30	ratio	ratio	NOUN
afbr-600	434	31	and	and	CCONJ
afbr-600	434	32	cash	cash	NOUN
afbr-600	434	33	ratio	ratio	NOUN
afbr-600	434	34	were	be	AUX
afbr-600	434	35	statistically	statistically	ADV
afbr-600	434	36	significant	significant	ADJ
afbr-600	434	37	to	to	ADP
afbr-600	434	38	the	the	DET
afbr-600	434	39	profit	profit	NOUN
afbr-600	434	40	of	of	ADP
afbr-600	434	41	the	the	DET
afbr-600	434	42	selected	select	VERB
afbr-600	434	43	banks	bank	NOUN
afbr-600	434	44	.	.	PUNCT
afbr-600	435	1	van	van	PROPN
afbr-600	435	2	den	den	PROPN
afbr-600	435	3	heuvel	heuvel	PROPN
afbr-600	435	4	(	(	PUNCT
afbr-600	435	5	2015	2015	NUM
afbr-600	435	6	)	)	PUNCT
afbr-600	435	7	that	that	SCONJ
afbr-600	435	8	monetary	monetary	ADJ
afbr-600	435	9	policy	policy	NOUN
afbr-600	435	10	affects	affect	VERB
afbr-600	435	11	bank	bank	NOUN
afbr-600	435	12	lending	lending	NOUN
afbr-600	435	13	through	through	ADP
afbr-600	435	14	two	two	NUM
afbr-600	435	15	channels	channel	NOUN
afbr-600	435	16	,	,	PUNCT
afbr-600	435	17	djiogap	djiogap	NOUN
afbr-600	435	18	and	and	CCONJ
afbr-600	435	19	ngomsi	ngomsi	NOUN
afbr-600	435	20	(	(	PUNCT
afbr-600	435	21	2012	2012	NUM
afbr-600	435	22	)	)	PUNCT
afbr-600	435	23	that	that	SCONJ
afbr-600	435	24	bank	bank	NOUN
afbr-600	435	25	’s	’s	PART
afbr-600	435	26	capital	capital	NOUN
afbr-600	435	27	to	to	ADP
afbr-600	435	28	asset	asset	NOUN
afbr-600	435	29	ratio	ratio	NOUN
afbr-600	435	30	,	,	PUNCT
afbr-600	435	31	long	long	ADJ
afbr-600	435	32	-	-	PUNCT
afbr-600	435	33	term	term	NOUN
afbr-600	435	34	liabilities	liability	NOUN
afbr-600	435	35	,	,	PUNCT
afbr-600	435	36	gdp	gdp	NOUN
afbr-600	435	37	growth	growth	NOUN
afbr-600	435	38	and	and	CCONJ
afbr-600	435	39	its	its	PRON
afbr-600	435	40	size	size	NOUN
afbr-600	435	41	were	be	AUX
afbr-600	435	42	statistically	statistically	ADV
afbr-600	435	43	significant	significant	ADJ
afbr-600	435	44	.	.	PUNCT
afbr-600	436	1	olokoyo	olokoyo	PROPN
afbr-600	436	2	(	(	PUNCT
afbr-600	436	3	2011	2011	NUM
afbr-600	436	4	)	)	PUNCT
afbr-600	436	5	;	;	PUNCT
afbr-600	436	6	adelegan	adelegan	NOUN
afbr-600	436	7	(	(	PUNCT
afbr-600	436	8	2018	2018	NUM
afbr-600	436	9	)	)	PUNCT
afbr-600	436	10	predictor	predictor	NOUN
afbr-600	436	11	variables	variable	NOUN
afbr-600	436	12	(	(	PUNCT
afbr-600	436	13	volume	volume	NOUN
afbr-600	436	14	of	of	ADP
afbr-600	436	15	deposits	deposit	NOUN
afbr-600	436	16	,	,	PUNCT
afbr-600	436	17	investment	investment	NOUN
afbr-600	436	18	portfolio	portfolio	NOUN
afbr-600	436	19	,	,	PUNCT
afbr-600	436	20	foreign	foreign	ADJ
afbr-600	436	21	exchange	exchange	NOUN
afbr-600	436	22	,	,	PUNCT
afbr-600	436	23	and	and	CCONJ
afbr-600	436	24	gdp	gdp	NOUN
afbr-600	436	25	)	)	PUNCT
afbr-600	436	26	were	be	AUX
afbr-600	436	27	statistically	statistically	ADV
afbr-600	436	28	significant	significant	ADJ
afbr-600	436	29	and	and	CCONJ
afbr-600	436	30	portrayed	portray	VERB
afbr-600	436	31	a	a	DET
afbr-600	436	32	positive	positive	ADJ
afbr-600	436	33	relationship	relationship	NOUN
afbr-600	436	34	with	with	ADP
afbr-600	436	35	commercial	commercial	ADJ
afbr-600	436	36	bank	bank	NOUN
afbr-600	436	37	lending	lending	NOUN
afbr-600	436	38	.	.	PUNCT
afbr-600	437	1	malede	malede	NOUN
afbr-600	437	2	(	(	PUNCT
afbr-600	437	3	2014	2014	NUM
afbr-600	437	4	)	)	PUNCT
afbr-600	437	5	that	that	SCONJ
afbr-600	437	6	these	these	DET
afbr-600	437	7	explanatory	explanatory	ADJ
afbr-600	437	8	variables	variable	NOUN
afbr-600	437	9	greatly	greatly	ADV
afbr-600	437	10	influenced	influence	VERB
afbr-600	437	11	banks	bank	NOUN
afbr-600	437	12	’	’	PART
afbr-600	437	13	lending	lending	NOUN
afbr-600	437	14	decisions	decision	NOUN
afbr-600	437	15	compared	compare	VERB
afbr-600	437	16	to	to	ADP
afbr-600	437	17	deposit	deposit	NOUN
afbr-600	437	18	and	and	CCONJ
afbr-600	437	19	cash	cash	NOUN
afbr-600	437	20	required	require	VERB
afbr-600	437	21	reserve	reserve	NOUN
afbr-600	437	22	which	which	PRON
afbr-600	437	23	was	be	AUX
afbr-600	437	24	insignificant	insignificant	ADJ
afbr-600	437	25	.	.	PUNCT
afbr-600	438	1	nto	nto	PROPN
afbr-600	438	2	et	et	PROPN
afbr-600	438	3	al	al	PROPN
afbr-600	438	4	,	,	PUNCT
afbr-600	438	5	(	(	PUNCT
afbr-600	438	6	2012	2012	NUM
afbr-600	438	7	)	)	PUNCT
afbr-600	438	8	study	study	NOUN
afbr-600	438	9	finds	find	VERB
afbr-600	438	10	policies	policy	NOUN
afbr-600	438	11	on	on	ADP
afbr-600	438	12	interest	interest	NOUN
afbr-600	438	13	rate	rate	NOUN
afbr-600	438	14	and	and	CCONJ
afbr-600	438	15	liquidity	liquidity	NOUN
afbr-600	438	16	ratio	ratio	NOUN
afbr-600	438	17	were	be	AUX
afbr-600	438	18	negatively	negatively	ADV
afbr-600	438	19	and	and	CCONJ
afbr-600	438	20	positively	positively	ADV
afbr-600	438	21	significant	significant	ADJ
afbr-600	438	22	to	to	ADP
afbr-600	438	23	smes	sme	NOUN
afbr-600	438	24	and	and	CCONJ
afbr-600	438	25	recommend	recommend	VERB
afbr-600	438	26	that	that	SCONJ
afbr-600	438	27	cbn	cbn	PROPN
afbr-600	438	28	should	should	AUX
afbr-600	438	29	stabilize	stabilize	VERB
afbr-600	438	30	the	the	DET
afbr-600	438	31	supply	supply	NOUN
afbr-600	438	32	of	of	ADP
afbr-600	438	33	credit	credit	NOUN
afbr-600	438	34	to	to	ADP
afbr-600	438	35	smes	sme	NOUN
afbr-600	438	36	by	by	ADP
afbr-600	438	37	strengthening	strengthen	VERB
afbr-600	438	38	policies	policy	NOUN
afbr-600	438	39	on	on	ADP
afbr-600	438	40	monetary	monetary	ADJ
afbr-600	438	41	policy	policy	NOUN
afbr-600	438	42	instruments	instrument	NOUN
afbr-600	438	43	.	.	PUNCT
afbr-600	439	1	the	the	DET
afbr-600	439	2	negative	negative	ADJ
afbr-600	439	3	and	and	CCONJ
afbr-600	439	4	positive	positive	ADJ
afbr-600	439	5	findings	finding	NOUN
afbr-600	439	6	confirm	confirm	VERB
afbr-600	439	7	the	the	DET
afbr-600	439	8	study	study	NOUN
afbr-600	439	9	of	of	ADP
afbr-600	439	10	daniel	daniel	PROPN
afbr-600	439	11	(	(	PUNCT
afbr-600	439	12	2017	2017	NUM
afbr-600	439	13	)	)	PUNCT
afbr-600	439	14	that	that	SCONJ
afbr-600	439	15	the	the	DET
afbr-600	439	16	empirical	empirical	ADJ
afbr-600	439	17	analysis	analysis	NOUN
afbr-600	439	18	show	show	VERB
afbr-600	439	19	that	that	SCONJ
afbr-600	439	20	there	there	PRON
afbr-600	439	21	is	be	VERB
afbr-600	439	22	a	a	DET
afbr-600	439	23	significant	significant	ADJ
afbr-600	439	24	relationship	relationship	NOUN
afbr-600	439	25	between	between	ADP
afbr-600	439	26	liquidity	liquidity	NOUN
afbr-600	439	27	management	management	NOUN
afbr-600	439	28	and	and	CCONJ
afbr-600	439	29	the	the	DET
afbr-600	439	30	performance	performance	NOUN
afbr-600	439	31	of	of	ADP
afbr-600	439	32	deposit	deposit	NOUN
afbr-600	439	33	money	money	NOUN
afbr-600	439	34	banks	bank	NOUN
afbr-600	439	35	in	in	ADP
afbr-600	439	36	nigeria	nigeria	PROPN
afbr-600	439	37	and	and	CCONJ
afbr-600	439	38	opine	opine	VERB
afbr-600	439	39	that	that	SCONJ
afbr-600	439	40	the	the	DET
afbr-600	439	41	correlation	correlation	NOUN
afbr-600	439	42	results	result	NOUN
afbr-600	439	43	reveal	reveal	VERB
afbr-600	439	44	positive	positive	ADJ
afbr-600	439	45	impacts	impact	NOUN
afbr-600	439	46	between	between	ADP
afbr-600	439	47	return	return	NOUN
afbr-600	439	48	on	on	ADP
afbr-600	439	49	equity	equity	NOUN
afbr-600	439	50	and	and	CCONJ
afbr-600	439	51	liquidity	liquidity	NOUN
afbr-600	439	52	management	management	NOUN
afbr-600	439	53	variables	variable	NOUN
afbr-600	439	54	:	:	PUNCT
afbr-600	439	55	liquidity	liquidity	NOUN
afbr-600	439	56	and	and	CCONJ
afbr-600	439	57	cash	cash	NOUN
afbr-600	439	58	reserve	reserve	NOUN
afbr-600	439	59	ratios	ratio	NOUN
afbr-600	439	60	,	,	PUNCT
afbr-600	439	61	whereas	whereas	SCONJ
afbr-600	439	62	loan	loan	NOUN
afbr-600	439	63	to	to	ADP
afbr-600	439	64	deposit	deposit	NOUN
afbr-600	439	65	ratio	ratio	NOUN
afbr-600	439	66	shows	show	VERB
afbr-600	439	67	negative	negative	ADJ
afbr-600	439	68	impact	impact	NOUN
afbr-600	439	69	.	.	PUNCT
afbr-600	440	1	also	also	ADV
afbr-600	440	2	,	,	PUNCT
afbr-600	440	3	alphonce	alphonce	NOUN
afbr-600	440	4	,	,	PUNCT
afbr-600	440	5	et	et	PROPN
afbr-600	440	6	al	al	PROPN
afbr-600	440	7	.	.	PROPN
afbr-600	441	1	(	(	PUNCT
afbr-600	441	2	2015	2015	NUM
afbr-600	441	3	)	)	PUNCT
afbr-600	441	4	stress	stress	VERB
afbr-600	441	5	that	that	SCONJ
afbr-600	441	6	the	the	DET
afbr-600	441	7	negative	negative	ADJ
afbr-600	441	8	impact	impact	NOUN
afbr-600	441	9	implies	imply	VERB
afbr-600	441	10	that	that	SCONJ
afbr-600	441	11	an	an	DET
afbr-600	441	12	inverse	inverse	NOUN
afbr-600	441	13	relationship	relationship	NOUN
afbr-600	441	14	exists	exist	VERB
afbr-600	441	15	between	between	ADP
afbr-600	441	16	the	the	DET
afbr-600	441	17	ratio	ratio	NOUN
afbr-600	441	18	of	of	ADP
afbr-600	441	19	loans	loan	NOUN
afbr-600	441	20	to	to	ADP
afbr-600	441	21	deposits	deposit	NOUN
afbr-600	441	22	and	and	CCONJ
afbr-600	441	23	a	a	DET
afbr-600	441	24	bank	bank	NOUN
afbr-600	441	25	’s	’s	PART
afbr-600	441	26	profitability	profitability	NOUN
afbr-600	441	27	.	.	PUNCT
afbr-600	442	1	copyright	copyright	NOUN
afbr-600	442	2	©	©	PROPN
afbr-600	442	3	cc	cc	PROPN
afbr-600	442	4	-	-	PUNCT
afbr-600	442	5	by	by	ADP
afbr-600	442	6	-	-	PUNCT
afbr-600	442	7	nc	nc	PROPN
afbr-600	442	8	2019	2019	NUM
afbr-600	442	9	,	,	PUNCT
afbr-600	442	10	cribfb	cribfb	PROPN
afbr-600	442	11	|	|	ADV
afbr-600	442	12	afbr	afbr	PROPN
afbr-600	442	13	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	442	14	australian	australian	ADJ
afbr-600	442	15	finance	finance	PROPN
afbr-600	442	16	&	&	CCONJ
afbr-600	442	17	banking	banking	PROPN
afbr-600	442	18	review	review	PROPN
afbr-600	442	19	vol	vol	NOUN
afbr-600	442	20	.	.	PROPN
afbr-600	443	1	4	4	NUM
afbr-600	443	2	,	,	PUNCT
afbr-600	443	3	no	no	INTJ
afbr-600	443	4	.	.	NOUN
afbr-600	443	5	1	1	NUM
afbr-600	443	6	;	;	PUNCT
afbr-600	443	7	2020	2020	NUM
afbr-600	443	8	32	32	NUM
afbr-600	443	9	5	5	NUM
afbr-600	443	10	.	.	PUNCT
afbr-600	444	1	conclusion	conclusion	NOUN
afbr-600	444	2	empirical	empirical	ADJ
afbr-600	444	3	findings	finding	NOUN
afbr-600	444	4	proved	prove	VERB
afbr-600	444	5	that	that	SCONJ
afbr-600	444	6	the	the	DET
afbr-600	444	7	f*cal	f*cal	PROPN
afbr-600	444	8	=	=	SYM
afbr-600	444	9	1.312440	1.312440	NUM
afbr-600	444	10	<	<	X
afbr-600	444	11	f*tab	f*tab	NOUN
afbr-600	444	12	=	=	PROPN
afbr-600	444	13	2.24	2.24	NUM
afbr-600	444	14	at	at	ADP
afbr-600	444	15	5	5	NUM
afbr-600	444	16	%	%	NOUN
afbr-600	444	17	n=31	n=31	NOUN
afbr-600	444	18	is	be	AUX
afbr-600	444	19	statistically	statistically	ADV
afbr-600	444	20	not	not	PART
afbr-600	444	21	significant	significant	ADJ
afbr-600	444	22	which	which	PRON
afbr-600	444	23	is	be	AUX
afbr-600	444	24	supported	support	VERB
afbr-600	444	25	with	with	ADP
afbr-600	444	26	a	a	DET
afbr-600	444	27	probability	probability	NOUN
afbr-600	444	28	value	value	NOUN
afbr-600	444	29	of	of	ADP
afbr-600	444	30	0.292124	0.292124	NUM
afbr-600	444	31	>	>	X
afbr-600	444	32	0.05	0.05	NUM
afbr-600	444	33	at	at	ADP
afbr-600	444	34	5	5	NUM
afbr-600	444	35	%	%	NOUN
afbr-600	444	36	is	be	AUX
afbr-600	444	37	significant	significant	ADJ
afbr-600	444	38	,	,	PUNCT
afbr-600	444	39	we	we	PRON
afbr-600	444	40	therefore	therefore	ADV
afbr-600	444	41	reject	reject	VERB
afbr-600	444	42	the	the	DET
afbr-600	444	43	alternate	alternate	ADJ
afbr-600	444	44	hypothesis	hypothesis	NOUN
afbr-600	444	45	,	,	PUNCT
afbr-600	444	46	that	that	PRON
afbr-600	444	47	is	be	AUX
afbr-600	444	48	β1	β1	NOUN
afbr-600	444	49	-	-	PUNCT
afbr-600	444	50	β2	β2	NOUN
afbr-600	444	51	(	(	PUNCT
afbr-600	444	52	deposit	deposit	NOUN
afbr-600	444	53	money	money	NOUN
afbr-600	444	54	bank	bank	NOUN
afbr-600	444	55	policy	policy	NOUN
afbr-600	444	56	rates	rate	NOUN
afbr-600	444	57	)	)	PUNCT
afbr-600	444	58	is	be	AUX
afbr-600	444	59	statistically	statistically	ADV
afbr-600	444	60	not	not	PART
afbr-600	444	61	significant	significant	ADJ
afbr-600	444	62	with	with	ADP
afbr-600	444	63	credit	credit	NOUN
afbr-600	444	64	to	to	ADP
afbr-600	444	65	private	private	ADJ
afbr-600	444	66	sector	sector	NOUN
afbr-600	444	67	in	in	ADP
afbr-600	444	68	nigeria	nigeria	PROPN
afbr-600	444	69	.	.	PUNCT
afbr-600	445	1	therefore	therefore	ADV
afbr-600	445	2	,	,	PUNCT
afbr-600	445	3	we	we	PRON
afbr-600	445	4	conclude	conclude	VERB
afbr-600	445	5	that	that	SCONJ
afbr-600	445	6	there	there	PRON
afbr-600	445	7	is	be	VERB
afbr-600	445	8	no	no	DET
afbr-600	445	9	significant	significant	ADJ
afbr-600	445	10	relationship	relationship	NOUN
afbr-600	445	11	between	between	ADP
afbr-600	445	12	deposit	deposit	NOUN
afbr-600	445	13	money	money	NOUN
afbr-600	445	14	bank	bank	NOUN
afbr-600	445	15	policy	policy	NOUN
afbr-600	445	16	rates	rate	NOUN
afbr-600	445	17	and	and	CCONJ
afbr-600	445	18	credit	credit	NOUN
afbr-600	445	19	to	to	ADP
afbr-600	445	20	private	private	ADJ
afbr-600	445	21	sector	sector	NOUN
afbr-600	445	22	in	in	ADP
afbr-600	445	23	nigeria	nigeria	PROPN
afbr-600	445	24	.	.	PUNCT
afbr-600	446	1	it	it	PRON
afbr-600	446	2	was	be	AUX
afbr-600	446	3	proved	prove	VERB
afbr-600	446	4	that	that	SCONJ
afbr-600	446	5	,	,	PUNCT
afbr-600	446	6	the	the	DET
afbr-600	446	7	f*cal	f*cal	NOUN
afbr-600	446	8	=	=	SYM
afbr-600	446	9	0.481317	0.481317	NUM
afbr-600	446	10	<	<	X
afbr-600	446	11	f*tab	f*tab	NOUN
afbr-600	446	12	=	=	PROPN
afbr-600	446	13	2.24	2.24	NUM
afbr-600	446	14	at	at	ADP
afbr-600	446	15	5	5	NUM
afbr-600	446	16	%	%	NOUN
afbr-600	446	17	n=31	n=31	NOUN
afbr-600	446	18	is	be	AUX
afbr-600	446	19	statistically	statistically	ADV
afbr-600	446	20	not	not	PART
afbr-600	446	21	significant	significant	ADJ
afbr-600	446	22	which	which	PRON
afbr-600	446	23	is	be	AUX
afbr-600	446	24	supported	support	VERB
afbr-600	446	25	with	with	ADP
afbr-600	446	26	a	a	DET
afbr-600	446	27	probability	probability	NOUN
afbr-600	446	28	value	value	NOUN
afbr-600	446	29	of	of	ADP
afbr-600	446	30	0.905265	0.905265	NUM
afbr-600	446	31	>	>	SYM
afbr-600	446	32	0.05	0.05	NUM
afbr-600	446	33	at	at	ADP
afbr-600	446	34	5	5	NUM
afbr-600	446	35	%	%	NOUN
afbr-600	446	36	is	be	AUX
afbr-600	446	37	significant	significant	ADJ
afbr-600	446	38	,	,	PUNCT
afbr-600	446	39	we	we	PRON
afbr-600	446	40	therefore	therefore	ADV
afbr-600	446	41	reject	reject	VERB
afbr-600	446	42	the	the	DET
afbr-600	446	43	alternate	alternate	ADJ
afbr-600	446	44	hypothesis	hypothesis	NOUN
afbr-600	446	45	,	,	PUNCT
afbr-600	446	46	that	that	PRON
afbr-600	446	47	is	be	AUX
afbr-600	446	48	β1	β1	NOUN
afbr-600	446	49	-	-	PUNCT
afbr-600	446	50	β2	β2	NOUN
afbr-600	446	51	(	(	PUNCT
afbr-600	446	52	deposit	deposit	NOUN
afbr-600	446	53	money	money	NOUN
afbr-600	446	54	bank	bank	NOUN
afbr-600	446	55	policy	policy	NOUN
afbr-600	446	56	rates	rate	NOUN
afbr-600	446	57	)	)	PUNCT
afbr-600	446	58	is	be	AUX
afbr-600	446	59	not	not	PART
afbr-600	446	60	statistically	statistically	ADV
afbr-600	446	61	significant	significant	ADJ
afbr-600	446	62	with	with	ADP
afbr-600	446	63	credit	credit	NOUN
afbr-600	446	64	to	to	AUX
afbr-600	446	65	core	core	VERB
afbr-600	446	66	private	private	ADJ
afbr-600	446	67	sector	sector	NOUN
afbr-600	446	68	in	in	ADP
afbr-600	446	69	nigeria	nigeria	PROPN
afbr-600	446	70	.	.	PUNCT
afbr-600	447	1	therefore	therefore	ADV
afbr-600	447	2	,	,	PUNCT
afbr-600	447	3	we	we	PRON
afbr-600	447	4	conclude	conclude	VERB
afbr-600	447	5	that	that	SCONJ
afbr-600	447	6	there	there	PRON
afbr-600	447	7	is	be	VERB
afbr-600	447	8	no	no	DET
afbr-600	447	9	significant	significant	ADJ
afbr-600	447	10	relationship	relationship	NOUN
afbr-600	447	11	between	between	ADP
afbr-600	447	12	deposit	deposit	NOUN
afbr-600	447	13	money	money	NOUN
afbr-600	447	14	policy	policy	NOUN
afbr-600	447	15	bank	bank	NOUN
afbr-600	447	16	rates	rate	NOUN
afbr-600	447	17	and	and	CCONJ
afbr-600	447	18	credit	credit	NOUN
afbr-600	447	19	to	to	PART
afbr-600	447	20	core	core	VERB
afbr-600	447	21	private	private	ADJ
afbr-600	447	22	sector	sector	NOUN
afbr-600	447	23	in	in	ADP
afbr-600	447	24	nigeria	nigeria	PROPN
afbr-600	447	25	.	.	PUNCT
afbr-600	448	1	the	the	DET
afbr-600	448	2	study	study	NOUN
afbr-600	448	3	found	find	VERB
afbr-600	448	4	that	that	SCONJ
afbr-600	448	5	,	,	PUNCT
afbr-600	448	6	the	the	DET
afbr-600	448	7	f*cal	f*cal	NOUN
afbr-600	448	8	=	=	NOUN
afbr-600	448	9	2.445688	2.445688	NUM
afbr-600	448	10	>	>	PUNCT
afbr-600	448	11	f*tab	f*tab	PROPN
afbr-600	448	12	=	=	NOUN
afbr-600	448	13	2.24	2.24	NUM
afbr-600	448	14	at	at	ADP
afbr-600	448	15	5	5	NUM
afbr-600	448	16	%	%	NOUN
afbr-600	448	17	n=31	n=31	NOUN
afbr-600	448	18	is	be	AUX
afbr-600	448	19	statistically	statistically	ADV
afbr-600	448	20	significant	significant	ADJ
afbr-600	448	21	which	which	PRON
afbr-600	448	22	is	be	AUX
afbr-600	448	23	supported	support	VERB
afbr-600	448	24	with	with	ADP
afbr-600	448	25	a	a	DET
afbr-600	448	26	probability	probability	NOUN
afbr-600	448	27	value	value	NOUN
afbr-600	448	28	of	of	ADP
afbr-600	448	29	0.050320	0.050320	NUM
afbr-600	448	30	<	<	X
afbr-600	448	31	0.05	0.05	NUM
afbr-600	448	32	at	at	ADP
afbr-600	448	33	5	5	NUM
afbr-600	448	34	%	%	NOUN
afbr-600	448	35	is	be	AUX
afbr-600	448	36	significant	significant	ADJ
afbr-600	448	37	,	,	PUNCT
afbr-600	448	38	we	we	PRON
afbr-600	448	39	therefore	therefore	ADV
afbr-600	448	40	reject	reject	VERB
afbr-600	448	41	the	the	DET
afbr-600	448	42	null	null	ADJ
afbr-600	448	43	hypothesis	hypothesis	NOUN
afbr-600	448	44	,	,	PUNCT
afbr-600	448	45	that	that	PRON
afbr-600	448	46	is	be	AUX
afbr-600	448	47	β1	β1	NOUN
afbr-600	448	48	-	-	PUNCT
afbr-600	448	49	β2	β2	NOUN
afbr-600	448	50	(	(	PUNCT
afbr-600	448	51	deposit	deposit	NOUN
afbr-600	448	52	money	money	NOUN
afbr-600	448	53	bank	bank	NOUN
afbr-600	448	54	policy	policy	NOUN
afbr-600	448	55	rates	rate	NOUN
afbr-600	448	56	)	)	PUNCT
afbr-600	448	57	is	be	AUX
afbr-600	448	58	statistically	statistically	ADV
afbr-600	448	59	significant	significant	ADJ
afbr-600	448	60	with	with	ADP
afbr-600	448	61	credit	credit	NOUN
afbr-600	448	62	to	to	ADP
afbr-600	448	63	small	small	ADJ
afbr-600	448	64	and	and	CCONJ
afbr-600	448	65	medium	medium	ADJ
afbr-600	448	66	scale	scale	NOUN
afbr-600	448	67	enterprises	enterprise	NOUN
afbr-600	448	68	sector	sector	NOUN
afbr-600	448	69	in	in	ADP
afbr-600	448	70	nigeria	nigeria	PROPN
afbr-600	448	71	.	.	PUNCT
afbr-600	449	1	therefore	therefore	ADV
afbr-600	449	2	,	,	PUNCT
afbr-600	449	3	we	we	PRON
afbr-600	449	4	conclude	conclude	VERB
afbr-600	449	5	that	that	SCONJ
afbr-600	449	6	there	there	PRON
afbr-600	449	7	is	be	VERB
afbr-600	449	8	significant	significant	ADJ
afbr-600	449	9	relationship	relationship	NOUN
afbr-600	449	10	between	between	ADP
afbr-600	449	11	deposit	deposit	NOUN
afbr-600	449	12	policy	policy	NOUN
afbr-600	449	13	bank	bank	NOUN
afbr-600	449	14	rates	rate	NOUN
afbr-600	449	15	and	and	CCONJ
afbr-600	449	16	credit	credit	NOUN
afbr-600	449	17	to	to	ADP
afbr-600	449	18	small	small	ADJ
afbr-600	449	19	and	and	CCONJ
afbr-600	449	20	medium	medium	ADJ
afbr-600	449	21	scale	scale	NOUN
afbr-600	449	22	enterprises	enterprise	NOUN
afbr-600	449	23	sector	sector	NOUN
afbr-600	449	24	in	in	ADP
afbr-600	449	25	nigeria	nigeria	PROPN
afbr-600	449	26	.	.	PUNCT
afbr-600	450	1	6	6	X
afbr-600	450	2	.	.	PUNCT
afbr-600	450	3	recommendations	recommendation	NOUN
afbr-600	450	4	the	the	DET
afbr-600	450	5	study	study	NOUN
afbr-600	450	6	recommends	recommend	VERB
afbr-600	450	7	compliance	compliance	NOUN
afbr-600	450	8	to	to	PART
afbr-600	450	9	deposit	deposit	VERB
afbr-600	450	10	money	money	NOUN
afbr-600	450	11	banks	bank	NOUN
afbr-600	450	12	policies	policy	NOUN
afbr-600	450	13	,	,	PUNCT
afbr-600	450	14	this	this	PRON
afbr-600	450	15	will	will	AUX
afbr-600	450	16	enhance	enhance	VERB
afbr-600	450	17	effective	effective	ADJ
afbr-600	450	18	financial	financial	ADJ
afbr-600	450	19	intermediation	intermediation	NOUN
afbr-600	450	20	and	and	CCONJ
afbr-600	450	21	increase	increase	VERB
afbr-600	450	22	credit	credit	NOUN
afbr-600	450	23	to	to	ADP
afbr-600	450	24	private	private	ADJ
afbr-600	450	25	sector	sector	NOUN
afbr-600	450	26	.	.	PUNCT
afbr-600	451	1	there	there	PRON
afbr-600	451	2	is	be	VERB
afbr-600	451	3	also	also	ADV
afbr-600	451	4	needs	need	NOUN
afbr-600	451	5	for	for	SCONJ
afbr-600	451	6	the	the	DET
afbr-600	451	7	regulatory	regulatory	ADJ
afbr-600	451	8	authorities	authority	NOUN
afbr-600	451	9	to	to	PART
afbr-600	451	10	harmonize	harmonize	VERB
afbr-600	451	11	the	the	DET
afbr-600	451	12	various	various	ADJ
afbr-600	451	13	deposit	deposit	NOUN
afbr-600	451	14	money	money	NOUN
afbr-600	451	15	banks	bank	NOUN
afbr-600	451	16	policies	policy	NOUN
afbr-600	451	17	with	with	ADP
afbr-600	451	18	the	the	DET
afbr-600	451	19	objective	objective	NOUN
afbr-600	451	20	of	of	ADP
afbr-600	451	21	enhancing	enhance	VERB
afbr-600	451	22	private	private	ADJ
afbr-600	451	23	sector	sector	NOUN
afbr-600	451	24	funding	funding	NOUN
afbr-600	451	25	.	.	PUNCT
afbr-600	452	1	▪	▪	NOUN
afbr-600	452	2	there	there	PRON
afbr-600	452	3	is	be	VERB
afbr-600	452	4	need	need	NOUN
afbr-600	452	5	to	to	PART
afbr-600	452	6	decentralize	decentralize	VERB
afbr-600	452	7	the	the	DET
afbr-600	452	8	operation	operation	NOUN
afbr-600	452	9	of	of	ADP
afbr-600	452	10	the	the	DET
afbr-600	452	11	deposit	deposit	NOUN
afbr-600	452	12	money	money	NOUN
afbr-600	452	13	banks	bank	NOUN
afbr-600	452	14	in	in	ADP
afbr-600	452	15	the	the	DET
afbr-600	452	16	urban	urban	ADJ
afbr-600	452	17	cities	city	NOUN
afbr-600	452	18	.	.	PUNCT
afbr-600	453	1	policies	policy	NOUN
afbr-600	453	2	should	should	AUX
afbr-600	453	3	be	be	AUX
afbr-600	453	4	formulated	formulate	VERB
afbr-600	453	5	to	to	PART
afbr-600	453	6	extend	extend	VERB
afbr-600	453	7	operation	operation	NOUN
afbr-600	453	8	of	of	ADP
afbr-600	453	9	the	the	DET
afbr-600	453	10	deposit	deposit	NOUN
afbr-600	453	11	money	money	NOUN
afbr-600	453	12	banks	bank	NOUN
afbr-600	453	13	to	to	ADP
afbr-600	453	14	the	the	DET
afbr-600	453	15	rural	rural	ADJ
afbr-600	453	16	communities	community	NOUN
afbr-600	453	17	,	,	PUNCT
afbr-600	453	18	this	this	PRON
afbr-600	453	19	will	will	AUX
afbr-600	453	20	enable	enable	VERB
afbr-600	453	21	the	the	DET
afbr-600	453	22	financial	financial	ADJ
afbr-600	453	23	institutions	institution	NOUN
afbr-600	453	24	to	to	PART
afbr-600	453	25	mobilize	mobilize	VERB
afbr-600	453	26	the	the	DET
afbr-600	453	27	much	much	ADV
afbr-600	453	28	needed	need	VERB
afbr-600	453	29	deposit	deposit	NOUN
afbr-600	453	30	and	and	CCONJ
afbr-600	453	31	increase	increase	VERB
afbr-600	453	32	credit	credit	NOUN
afbr-600	453	33	to	to	ADP
afbr-600	453	34	the	the	DET
afbr-600	453	35	private	private	ADJ
afbr-600	453	36	sector	sector	NOUN
afbr-600	453	37	.	.	PUNCT
afbr-600	454	1	▪	▪	NOUN
afbr-600	454	2	the	the	DET
afbr-600	454	3	study	study	NOUN
afbr-600	454	4	recommends	recommend	VERB
afbr-600	454	5	that	that	SCONJ
afbr-600	454	6	central	central	ADJ
afbr-600	454	7	bank	bank	NOUN
afbr-600	454	8	should	should	AUX
afbr-600	454	9	reduce	reduce	VERB
afbr-600	454	10	deposit	deposit	NOUN
afbr-600	454	11	money	money	NOUN
afbr-600	454	12	banks	bank	NOUN
afbr-600	454	13	policy	policy	NOUN
afbr-600	454	14	rates	rate	NOUN
afbr-600	454	15	.	.	PUNCT
afbr-600	455	1	this	this	PRON
afbr-600	455	2	is	be	AUX
afbr-600	455	3	because	because	SCONJ
afbr-600	455	4	changes	change	NOUN
afbr-600	455	5	in	in	ADP
afbr-600	455	6	interest	interest	NOUN
afbr-600	455	7	rates	rate	NOUN
afbr-600	455	8	and	and	CCONJ
afbr-600	455	9	bank	bank	NOUN
afbr-600	455	10	credits	credit	NOUN
afbr-600	455	11	may	may	AUX
afbr-600	455	12	lead	lead	VERB
afbr-600	455	13	to	to	ADP
afbr-600	455	14	changes	change	NOUN
afbr-600	455	15	in	in	ADP
afbr-600	455	16	the	the	DET
afbr-600	455	17	real	real	ADJ
afbr-600	455	18	sector	sector	NOUN
afbr-600	455	19	through	through	ADP
afbr-600	455	20	investment	investment	NOUN
afbr-600	455	21	and	and	CCONJ
afbr-600	455	22	influence	influence	NOUN
afbr-600	455	23	of	of	ADP
afbr-600	455	24	aggregates	aggregate	NOUN
afbr-600	455	25	demand	demand	NOUN
afbr-600	455	26	.	.	PUNCT
afbr-600	456	1	references	reference	NOUN
afbr-600	456	2	adelegan	adelegan	PROPN
afbr-600	456	3	,	,	PUNCT
afbr-600	456	4	a.e	a.e	PROPN
afbr-600	456	5	.	.	PROPN
afbr-600	456	6	(	(	PUNCT
afbr-600	456	7	2018	2018	NUM
afbr-600	456	8	)	)	PUNCT
afbr-600	456	9	.	.	PUNCT
afbr-600	457	1	private	private	ADJ
afbr-600	457	2	domestic	domestic	ADJ
afbr-600	457	3	investment	investment	NOUN
afbr-600	457	4	,	,	PUNCT
afbr-600	457	5	domestic	domestic	ADJ
afbr-600	457	6	credit	credit	NOUN
afbr-600	457	7	to	to	ADP
afbr-600	457	8	the	the	DET
afbr-600	457	9	private	private	ADJ
afbr-600	457	10	sector	sector	NOUN
afbr-600	457	11	and	and	CCONJ
afbr-600	457	12	economic	economic	ADJ
afbr-600	457	13	performance	performance	NOUN
afbr-600	457	14	:	:	PUNCT
afbr-600	457	15	nigeria	nigeria	PROPN
afbr-600	457	16	in	in	ADP
afbr-600	457	17	perspective	perspective	NOUN
afbr-600	457	18	.	.	PUNCT
afbr-600	458	1	iosr	iosr	ADJ
afbr-600	458	2	journal	journal	PROPN
afbr-600	458	3	of	of	ADP
afbr-600	458	4	economics	economic	NOUN
afbr-600	458	5	and	and	CCONJ
afbr-600	458	6	finance	finance	NOUN
afbr-600	458	7	(	(	PUNCT
afbr-600	458	8	iosr	iosr	NOUN
afbr-600	458	9	-	-	PUNCT
afbr-600	458	10	jef	jef	PROPN
afbr-600	458	11	)	)	PUNCT
afbr-600	458	12	.	.	PUNCT
afbr-600	459	1	9	9	NUM
afbr-600	459	2	(	(	PUNCT
afbr-600	459	3	3	3	NUM
afbr-600	459	4	)	)	PUNCT
afbr-600	459	5	,	,	PUNCT
afbr-600	459	6	22	22	NUM
afbr-600	459	7	-	-	SYM
afbr-600	459	8	31	31	NUM
afbr-600	459	9	.	.	PUNCT
afbr-600	460	1	adeniyi1	adeniyi1	PROPN
afbr-600	460	2	,	,	PUNCT
afbr-600	460	3	a.m.	a.m.	ADV
afbr-600	460	4	,	,	PUNCT
afbr-600	460	5	adeyemi	adeyemi	ADV
afbr-600	460	6	,	,	PUNCT
afbr-600	460	7	a.k	a.k	PROPN
afbr-600	460	8	,	,	PUNCT
afbr-600	460	9	salawudeen	salawudeen	PROPN
afbr-600	460	10	o.s	o.s	PROPN
afbr-600	460	11	.	.	PROPN
afbr-600	460	12	&	&	CCONJ
afbr-600	460	13	fagbemi	fagbemi	PROPN
afbr-600	460	14	,	,	PUNCT
afbr-600	460	15	t.o	t.o	PROPN
afbr-600	460	16	.	.	PROPN
afbr-600	460	17	(	(	PUNCT
afbr-600	460	18	2018	2018	NUM
afbr-600	460	19	)	)	PUNCT
afbr-600	460	20	.	.	PUNCT
afbr-600	461	1	monetary	monetary	ADJ
afbr-600	461	2	policy	policy	NOUN
afbr-600	461	3	and	and	CCONJ
afbr-600	461	4	bank	bank	NOUN
afbr-600	461	5	credit	credit	NOUN
afbr-600	461	6	in	in	ADP
afbr-600	461	7	nigeria	nigeria	PROPN
afbr-600	461	8	:	:	PUNCT
afbr-600	461	9	a	a	DET
afbr-600	461	10	toda	toda	PROPN
afbr-600	461	11	-	-	PUNCT
afbr-600	461	12	yamamoto	yamamoto	PROPN
afbr-600	461	13	approach	approach	NOUN
afbr-600	461	14	.	.	PUNCT
afbr-600	462	1	acta	acta	PROPN
afbr-600	462	2	universitatis	universitatis	PROPN
afbr-600	462	3	danubius	danubius	NOUN
afbr-600	462	4	.	.	PUNCT
afbr-600	463	1	14(5	14(5	NUM
afbr-600	463	2	)	)	PUNCT
afbr-600	463	3	,	,	PUNCT
afbr-600	463	4	718	718	NUM
afbr-600	463	5	-	-	SYM
afbr-600	463	6	731	731	NUM
afbr-600	463	7	.	.	PUNCT
afbr-600	464	1	afonso	afonso	PROPN
afbr-600	464	2	,	,	PUNCT
afbr-600	464	3	a	a	PRON
afbr-600	464	4	,	,	PUNCT
afbr-600	464	5	and	and	CCONJ
afbr-600	464	6	aubyn	aubyn	PROPN
afbr-600	464	7	,	,	PUNCT
afbr-600	464	8	m.	m.	NOUN
afbr-600	464	9	(	(	PUNCT
afbr-600	464	10	1997	1997	NUM
afbr-600	464	11	)	)	PUNCT
afbr-600	464	12	.	.	PUNCT
afbr-600	464	13	is	be	AUX
afbr-600	464	14	there	there	PRON
afbr-600	464	15	credit	credit	NOUN
afbr-600	464	16	rationing	ration	VERB
afbr-600	464	17	in	in	ADP
afbr-600	464	18	portuguese	portuguese	ADJ
afbr-600	464	19	banking	banking	NOUN
afbr-600	464	20	?	?	PUNCT
afbr-600	465	1	department	department	NOUN
afbr-600	465	2	of	of	ADP
afbr-600	465	3	economics	economic	NOUN
afbr-600	465	4	,	,	PUNCT
afbr-600	465	5	working	work	VERB
afbr-600	465	6	paper	paper	NOUN
afbr-600	465	7	no	no	DET
afbr-600	465	8	6	6	NUM
afbr-600	465	9	(	(	PUNCT
afbr-600	465	10	97	97	NUM
afbr-600	465	11	)	)	PUNCT
afbr-600	465	12	.	.	PUNCT
afbr-600	466	1	alper	alper	PROPN
afbr-600	466	2	,	,	PUNCT
afbr-600	466	3	k.	k.	PROPN
afbr-600	466	4	(	(	PUNCT
afbr-600	466	5	2012	2012	NUM
afbr-600	466	6	)	)	PUNCT
afbr-600	466	7	.	.	PUNCT
afbr-600	467	1	an	an	DET
afbr-600	467	2	empirical	empirical	ADJ
afbr-600	467	3	study	study	NOUN
afbr-600	467	4	on	on	ADP
afbr-600	467	5	liquidity	liquidity	NOUN
afbr-600	467	6	and	and	CCONJ
afbr-600	467	7	bank	bank	NOUN
afbr-600	467	8	lending	lending	NOUN
afbr-600	467	9	.	.	PUNCT
afbr-600	468	1	central	central	ADJ
afbr-600	468	2	bank	bank	PROPN
afbr-600	468	3	of	of	ADP
afbr-600	468	4	the	the	DET
afbr-600	468	5	republic	republic	NOUN
afbr-600	468	6	of	of	ADP
afbr-600	468	7	turkey	turkey	PROPN
afbr-600	468	8	merkez	merkez	PROPN
afbr-600	468	9	bank	bank	PROPN
afbr-600	468	10	working	working	PROPN
afbr-600	468	11	paper	paper	NOUN
afbr-600	468	12	no	no	NOUN
afbr-600	468	13	.	.	PUNCT
afbr-600	469	1	12/04	12/04	NUM
afbr-600	469	2	.	.	PUNCT
afbr-600	470	1	amassoma	amassoma	PROPN
afbr-600	470	2	,	,	PUNCT
afbr-600	470	3	j.d	j.d	PROPN
afbr-600	470	4	.	.	PROPN
afbr-600	470	5	,	,	PUNCT
afbr-600	470	6	nwosa	nwosa	PROPN
afbr-600	470	7	,	,	PUNCT
afbr-600	470	8	p.i	p.i	PROPN
afbr-600	470	9	.	.	PROPN
afbr-600	470	10	&	&	CCONJ
afbr-600	470	11	ofere	ofere	PROPN
afbr-600	470	12	,	,	PUNCT
afbr-600	470	13	a.f	a.f	PROPN
afbr-600	470	14	.	.	PUNCT
afbr-600	470	15	(	(	PUNCT
afbr-600	470	16	2011	2011	NUM
afbr-600	470	17	)	)	PUNCT
afbr-600	470	18	.	.	PUNCT
afbr-600	471	1	the	the	DET
afbr-600	471	2	nexus	nexus	NOUN
afbr-600	471	3	of	of	ADP
afbr-600	471	4	interest	interest	NOUN
afbr-600	471	5	rate	rate	NOUN
afbr-600	471	6	,	,	PUNCT
afbr-600	471	7	deregulation	deregulation	NOUN
afbr-600	471	8	lending	lending	NOUN
afbr-600	471	9	rate	rate	NOUN
afbr-600	471	10	and	and	CCONJ
afbr-600	471	11	agricultural	agricultural	ADJ
afbr-600	471	12	productivity	productivity	NOUN
afbr-600	471	13	in	in	ADP
afbr-600	471	14	nigeria	nigeria	PROPN
afbr-600	471	15	.	.	PUNCT
afbr-600	472	1	current	current	ADJ
afbr-600	472	2	research	research	NOUN
afbr-600	472	3	journal	journal	NOUN
afbr-600	472	4	of	of	ADP
afbr-600	472	5	economic	economic	ADJ
afbr-600	472	6	theory,3	theory,3	NOUN
afbr-600	472	7	,	,	PUNCT
afbr-600	472	8	(	(	PUNCT
afbr-600	472	9	2):53	2):53	NUM
afbr-600	472	10	-	-	SYM
afbr-600	472	11	60	60	NUM
afbr-600	472	12	.	.	PUNCT
afbr-600	472	13	anigbogu	anigbogu	NOUN
afbr-600	472	14	,	,	PUNCT
afbr-600	472	15	t.	t.	PROPN
afbr-600	472	16	u.	u.	PROPN
afbr-600	472	17	,	,	PUNCT
afbr-600	472	18	okoli	okoli	NOUN
afbr-600	472	19	,	,	PUNCT
afbr-600	472	20	i.	i.	PROPN
afbr-600	472	21	m.	m.	PROPN
afbr-600	472	22	&	&	CCONJ
afbr-600	472	23	nwakoby	nwakoby	PROPN
afbr-600	472	24	,	,	PUNCT
afbr-600	472	25	n.	n.	PROPN
afbr-600	472	26	p.	p.	PROPN
afbr-600	472	27	(	(	PUNCT
afbr-600	472	28	2015	2015	NUM
afbr-600	472	29	)	)	PUNCT
afbr-600	472	30	.	.	PUNCT
afbr-600	473	1	financial	financial	ADJ
afbr-600	473	2	intermediation	intermediation	NOUN
afbr-600	473	3	and	and	CCONJ
afbr-600	473	4	small	small	ADJ
afbr-600	473	5	and	and	CCONJ
afbr-600	473	6	medium	medium	ADJ
afbr-600	473	7	enterprises	enterprise	NOUN
afbr-600	473	8	performance	performance	NOUN
afbr-600	473	9	in	in	ADP
afbr-600	473	10	nigeria	nigeria	PROPN
afbr-600	473	11	(	(	PUNCT
afbr-600	473	12	an	an	DET
afbr-600	473	13	aggregated	aggregated	ADJ
afbr-600	473	14	analysis	analysis	NOUN
afbr-600	473	15	:	:	PUNCT
afbr-600	473	16	1980	1980	NUM
afbr-600	473	17	-	-	SYM
afbr-600	473	18	2013	2013	NUM
afbr-600	473	19	)	)	PUNCT
afbr-600	473	20	.	.	PUNCT
afbr-600	474	1	european	european	ADJ
afbr-600	474	2	scientific	scientific	ADJ
afbr-600	474	3	journal	journal	NOUN
afbr-600	474	4	,	,	PUNCT
afbr-600	474	5	11(28	11(28	NUM
afbr-600	474	6	)	)	PUNCT
afbr-600	474	7	,	,	PUNCT
afbr-600	474	8	257	257	NUM
afbr-600	474	9	-	-	SYM
afbr-600	474	10	272	272	NUM
afbr-600	474	11	.	.	PUNCT
afbr-600	475	1	alphonce	alphonce	NOUN
afbr-600	475	2	,	,	PUNCT
afbr-600	475	3	t.s	t.s	PROPN
afbr-600	475	4	.	.	PROPN
afbr-600	475	5	,	,	PUNCT
afbr-600	475	6	silvanos	silvanos	PROPN
afbr-600	475	7	c.	c.	PROPN
afbr-600	475	8	and	and	CCONJ
afbr-600	475	9	ziska	ziska	PROPN
afbr-600	475	10	,	,	PUNCT
afbr-600	475	11	f.	f.	PROPN
afbr-600	475	12	(	(	PUNCT
afbr-600	475	13	2015	2015	NUM
afbr-600	475	14	)	)	PUNCT
afbr-600	475	15	.	.	PUNCT
afbr-600	476	1	determinants	determinant	NOUN
afbr-600	476	2	of	of	ADP
afbr-600	476	3	commercial	commercial	ADJ
afbr-600	476	4	bank	bank	NOUN
afbr-600	476	5	profitability	profitability	NOUN
afbr-600	476	6	from	from	ADP
afbr-600	476	7	priorto	priorto	PROPN
afbr-600	476	8	posthyperinflation	posthyperinflation	NOUN
afbr-600	476	9	:	:	PUNCT
afbr-600	476	10	evidence	evidence	NOUN
afbr-600	476	11	from	from	ADP
afbr-600	476	12	zimbabwe	zimbabwe	PROPN
afbr-600	476	13	.	.	PUNCT
afbr-600	477	1	j	j	PROPN
afbr-600	477	2	economics	economic	NOUN
afbr-600	477	3	,	,	PUNCT
afbr-600	477	4	6(2	6(2	NUM
afbr-600	477	5	):	):	PUNCT
afbr-600	477	6	129	129	NUM
afbr-600	477	7	-	-	SYM
afbr-600	477	8	139	139	NUM
afbr-600	477	9	.	.	PUNCT
afbr-600	478	1	arora	arora	PROPN
afbr-600	478	2	,	,	PUNCT
afbr-600	478	3	r.u	r.u	PROPN
afbr-600	478	4	.	.	PROPN
afbr-600	478	5	(	(	PUNCT
afbr-600	478	6	2014	2014	NUM
afbr-600	478	7	)	)	PUNCT
afbr-600	478	8	.	.	PUNCT
afbr-600	479	1	access	access	NOUN
afbr-600	479	2	to	to	ADP
afbr-600	479	3	finance	finance	NOUN
afbr-600	479	4	:	:	PUNCT
afbr-600	479	5	an	an	DET
afbr-600	479	6	empirical	empirical	ADJ
afbr-600	479	7	analysis	analysis	NOUN
afbr-600	479	8	.	.	PUNCT
afbr-600	480	1	european	european	ADJ
afbr-600	480	2	journal	journal	PROPN
afbr-600	480	3	of	of	ADP
afbr-600	480	4	development	development	PROPN
afbr-600	480	5	research	research	NOUN
afbr-600	480	6	,	,	PUNCT
afbr-600	480	7	26	26	NUM
afbr-600	480	8	(	(	PUNCT
afbr-600	480	9	5	5	NUM
afbr-600	480	10	)	)	PUNCT
afbr-600	480	11	,	,	PUNCT
afbr-600	480	12	7.98	7.98	NUM
afbr-600	480	13	-	-	SYM
afbr-600	480	14	814	814	NUM
afbr-600	480	15	.	.	PUNCT
afbr-600	481	1	ayub	ayub	PROPN
afbr-600	481	2	,	,	PUNCT
afbr-600	481	3	g.	g.	PROPN
afbr-600	481	4	&	&	CCONJ
afbr-600	481	5	seyed	seyed	PROPN
afbr-600	481	6	,	,	PUNCT
afbr-600	481	7	a.m.	a.m.	PROPN
afbr-600	481	8	(	(	PUNCT
afbr-600	481	9	2016	2016	NUM
afbr-600	481	10	)	)	PUNCT
afbr-600	481	11	.	.	PUNCT
afbr-600	482	1	the	the	DET
afbr-600	482	2	relationship	relationship	NOUN
afbr-600	482	3	between	between	ADP
afbr-600	482	4	monetary	monetary	ADJ
afbr-600	482	5	policy	policy	NOUN
afbr-600	482	6	and	and	CCONJ
afbr-600	482	7	bank	bank	NOUN
afbr-600	482	8	lending	lending	NOUN
afbr-600	482	9	behavior	behavior	NOUN
afbr-600	482	10	and	and	CCONJ
afbr-600	482	11	the	the	DET
afbr-600	482	12	influence	influence	NOUN
afbr-600	482	13	of	of	ADP
afbr-600	482	14	bank	bank	NOUN
afbr-600	482	15	specific	specific	ADJ
afbr-600	482	16	features	feature	NOUN
afbr-600	482	17	on	on	ADP
afbr-600	482	18	this	this	DET
afbr-600	482	19	relationship	relationship	NOUN
afbr-600	482	20	in	in	ADP
afbr-600	482	21	the	the	DET
afbr-600	482	22	banks	bank	NOUN
afbr-600	482	23	listed	list	VERB
afbr-600	482	24	on	on	ADP
afbr-600	482	25	the	the	DET
afbr-600	482	26	tehran	tehran	PROPN
afbr-600	482	27	stock	stock	PROPN
afbr-600	482	28	exchange	exchange	PROPN
afbr-600	482	29	.	.	PUNCT
afbr-600	483	1	international	international	ADJ
afbr-600	483	2	journal	journal	NOUN
afbr-600	483	3	of	of	ADP
afbr-600	483	4	advanced	advanced	ADJ
afbr-600	483	5	biotechnology	biotechnology	NOUN
afbr-600	483	6	and	and	CCONJ
afbr-600	483	7	research	research	NOUN
afbr-600	483	8	(	(	PUNCT
afbr-600	483	9	ijbr	ijbr	ADJ
afbr-600	483	10	)	)	PUNCT
afbr-600	483	11	,	,	PUNCT
afbr-600	483	12	7(2).115	7(2).115	PROPN
afbr-600	483	13	-	-	SYM
afbr-600	483	14	125	125	NUM
afbr-600	483	15	.	.	PUNCT
afbr-600	484	1	baltensperger	baltensperger	PROPN
afbr-600	484	2	,	,	PUNCT
afbr-600	484	3	e.	e.	PROPN
afbr-600	484	4	&	&	CCONJ
afbr-600	484	5	devinney	devinney	PROPN
afbr-600	484	6	,	,	PUNCT
afbr-600	484	7	t.	t.	PROPN
afbr-600	484	8	(	(	PUNCT
afbr-600	484	9	1985	1985	NUM
afbr-600	484	10	)	)	PUNCT
afbr-600	484	11	.	.	PUNCT
afbr-600	485	1	credit	credit	NOUN
afbr-600	485	2	rationing	ration	VERB
afbr-600	485	3	theory	theory	NOUN
afbr-600	485	4	:	:	PUNCT
afbr-600	485	5	a	a	DET
afbr-600	485	6	survey	survey	NOUN
afbr-600	485	7	and	and	CCONJ
afbr-600	485	8	synthesis	synthesis	NOUN
afbr-600	485	9	.	.	PUNCT
afbr-600	486	1	zeitschrift	zeitschrift	NOUN
afbr-600	486	2	für	für	PROPN
afbr-600	486	3	die	die	VERB
afbr-600	486	4	gesamte	gesamte	NOUN
afbr-600	486	5	staatswissenschaft	staatswissenschaft	NOUN
afbr-600	486	6	,	,	PUNCT
afbr-600	486	7	14(1	14(1	NUM
afbr-600	486	8	)	)	PUNCT
afbr-600	486	9	,	,	PUNCT
afbr-600	486	10	475–502	475–502	NUM
afbr-600	486	11	.	.	PUNCT
afbr-600	487	1	berger	berger	PROPN
afbr-600	487	2	,	,	PUNCT
afbr-600	487	3	a.	a.	PROPN
afbr-600	487	4	n.	n.	PROPN
afbr-600	487	5	,	,	PUNCT
afbr-600	487	6	&	&	CCONJ
afbr-600	487	7	udell	udell	PROPN
afbr-600	487	8	,	,	PUNCT
afbr-600	487	9	g.	g.	PROPN
afbr-600	487	10	f.	f.	PROPN
afbr-600	487	11	(	(	PUNCT
afbr-600	487	12	1995	1995	NUM
afbr-600	487	13	)	)	PUNCT
afbr-600	487	14	.	.	PUNCT
afbr-600	488	1	the	the	DET
afbr-600	488	2	economics	economic	NOUN
afbr-600	488	3	of	of	ADP
afbr-600	488	4	small	small	ADJ
afbr-600	488	5	business	business	NOUN
afbr-600	488	6	finance	finance	NOUN
afbr-600	488	7	:	:	PUNCT
afbr-600	488	8	the	the	DET
afbr-600	488	9	roles	role	NOUN
afbr-600	488	10	of	of	ADP
afbr-600	488	11	private	private	ADJ
afbr-600	488	12	equity	equity	NOUN
afbr-600	488	13	and	and	CCONJ
afbr-600	488	14	debt	debt	NOUN
afbr-600	488	15	markets	market	NOUN
afbr-600	488	16	in	in	ADP
afbr-600	488	17	the	the	DET
afbr-600	488	18	financial	financial	ADJ
afbr-600	488	19	growth	growth	NOUN
afbr-600	488	20	cycle	cycle	NOUN
afbr-600	488	21	.	.	PUNCT
afbr-600	489	1	journal	journal	NOUN
afbr-600	489	2	of	of	ADP
afbr-600	489	3	banking	banking	NOUN
afbr-600	489	4	and	and	CCONJ
afbr-600	489	5	finance	finance	NOUN
afbr-600	489	6	,	,	PUNCT
afbr-600	489	7	22	22	NUM
afbr-600	489	8	(	(	PUNCT
afbr-600	489	9	6	6	NUM
afbr-600	489	10	-	-	SYM
afbr-600	489	11	8)	8)	NUM
afbr-600	489	12	,	,	PUNCT
afbr-600	489	13	613	613	NUM
afbr-600	489	14	-	-	SYM
afbr-600	489	15	673	673	NUM
afbr-600	489	16	.	.	PUNCT
afbr-600	490	1	basle	basle	PROPN
afbr-600	490	2	committee	committee	PROPN
afbr-600	490	3	on	on	ADP
afbr-600	490	4	banking	banking	NOUN
afbr-600	490	5	supervision	supervision	NOUN
afbr-600	490	6	(	(	PUNCT
afbr-600	490	7	2008	2008	NUM
afbr-600	490	8	)	)	PUNCT
afbr-600	490	9	.	.	PUNCT
afbr-600	491	1	principles	principle	NOUN
afbr-600	491	2	for	for	ADP
afbr-600	491	3	sound	sound	ADJ
afbr-600	491	4	liquidity	liquidity	NOUN
afbr-600	491	5	risk	risk	NOUN
afbr-600	491	6	management	management	NOUN
afbr-600	491	7	and	and	CCONJ
afbr-600	491	8	supervision	supervision	NOUN
afbr-600	491	9	.	.	PUNCT
afbr-600	492	1	basel	basel	PROPN
afbr-600	492	2	:	:	PUNCT
afbr-600	492	3	bank	bank	PROPN
afbr-600	492	4	for	for	ADP
afbr-600	492	5	international	international	ADJ
afbr-600	492	6	settlements	settlement	NOUN
afbr-600	492	7	.	.	PUNCT
afbr-600	493	1	copyright	copyright	NOUN
afbr-600	493	2	©	©	PROPN
afbr-600	493	3	cc	cc	PROPN
afbr-600	493	4	-	-	PUNCT
afbr-600	493	5	by	by	ADP
afbr-600	493	6	-	-	PUNCT
afbr-600	493	7	nc	nc	PROPN
afbr-600	493	8	2019	2019	NUM
afbr-600	493	9	,	,	PUNCT
afbr-600	493	10	cribfb	cribfb	PROPN
afbr-600	493	11	|	|	ADV
afbr-600	493	12	afbr	afbr	PROPN
afbr-600	493	13	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	493	14	australian	australian	ADJ
afbr-600	493	15	finance	finance	PROPN
afbr-600	493	16	&	&	CCONJ
afbr-600	493	17	banking	banking	PROPN
afbr-600	493	18	review	review	PROPN
afbr-600	493	19	vol	vol	NOUN
afbr-600	493	20	.	.	PROPN
afbr-600	494	1	4	4	NUM
afbr-600	494	2	,	,	PUNCT
afbr-600	494	3	no	no	INTJ
afbr-600	494	4	.	.	NOUN
afbr-600	494	5	1	1	NUM
afbr-600	494	6	;	;	PUNCT
afbr-600	494	7	2020	2020	NUM
afbr-600	494	8	33	33	NUM
afbr-600	494	9	bessis	bessis	NOUN
afbr-600	494	10	,	,	PUNCT
afbr-600	494	11	j.	j.	PROPN
afbr-600	494	12	(	(	PUNCT
afbr-600	494	13	2009	2009	NUM
afbr-600	494	14	)	)	PUNCT
afbr-600	494	15	.	.	PUNCT
afbr-600	495	1	risk	risk	NOUN
afbr-600	495	2	management	management	NOUN
afbr-600	495	3	in	in	ADP
afbr-600	495	4	banking	banking	NOUN
afbr-600	495	5	.	.	PUNCT
afbr-600	496	1	chichester	chichester	PROPN
afbr-600	496	2	:	:	PUNCT
afbr-600	496	3	john	john	PROPN
afbr-600	496	4	wiley	wiley	PROPN
afbr-600	496	5	&	&	CCONJ
afbr-600	496	6	sons	sons	PROPN
afbr-600	496	7	inc	inc	PROPN
afbr-600	496	8	.	.	PROPN
afbr-600	496	9	bester	bester	PROPN
afbr-600	496	10	,	,	PUNCT
afbr-600	496	11	h.	h.	PROPN
afbr-600	496	12	(	(	PUNCT
afbr-600	496	13	1985	1985	NUM
afbr-600	496	14	)	)	PUNCT
afbr-600	496	15	.	.	PUNCT
afbr-600	497	1	screening	screen	VERB
afbr-600	497	2	vs.	vs.	ADP
afbr-600	497	3	rationing	ration	VERB
afbr-600	497	4	in	in	ADP
afbr-600	497	5	credit	credit	NOUN
afbr-600	497	6	markets	market	NOUN
afbr-600	497	7	with	with	ADP
afbr-600	497	8	imperfect	imperfect	ADJ
afbr-600	497	9	information	information	NOUN
afbr-600	497	10	.	.	PUNCT
afbr-600	498	1	the	the	DET
afbr-600	498	2	american	american	PROPN
afbr-600	498	3	economic	economic	PROPN
afbr-600	498	4	review	review	PROPN
afbr-600	498	5	,	,	PUNCT
afbr-600	498	6	75	75	NUM
afbr-600	498	7	(	(	PUNCT
afbr-600	498	8	4	4	NUM
afbr-600	498	9	)	)	PUNCT
afbr-600	498	10	,	,	PUNCT
afbr-600	498	11	850	850	NUM
afbr-600	498	12	-	-	SYM
afbr-600	498	13	855	855	NUM
afbr-600	498	14	.	.	PUNCT
afbr-600	499	1	bester	bester	NOUN
afbr-600	499	2	,	,	PUNCT
afbr-600	499	3	h.	h.	PROPN
afbr-600	499	4	,	,	PUNCT
afbr-600	499	5	(	(	PUNCT
afbr-600	499	6	1984a	1984a	NUM
afbr-600	499	7	)	)	PUNCT
afbr-600	499	8	.	.	PUNCT
afbr-600	500	1	"	"	PUNCT
afbr-600	500	2	screening	screen	VERB
afbr-600	500	3	versus	versus	ADP
afbr-600	500	4	rationing	ration	VERB
afbr-600	500	5	in	in	ADP
afbr-600	500	6	credit	credit	NOUN
afbr-600	500	7	markets	market	NOUN
afbr-600	500	8	with	with	ADP
afbr-600	500	9	imperfect	imperfect	ADJ
afbr-600	500	10	information	information	NOUN
afbr-600	500	11	,	,	PUNCT
afbr-600	500	12	"	"	PUNCT
afbr-600	500	13	discussion	discussion	NOUN
afbr-600	500	14	paper	paper	NOUN
afbr-600	500	15	no	no	NOUN
afbr-600	500	16	.	.	PROPN
afbr-600	500	17	136	136	NUM
afbr-600	500	18	.	.	PUNCT
afbr-600	501	1	bouvatier	bouvatier	NOUN
afbr-600	501	2	,	,	PUNCT
afbr-600	501	3	lópez	lópez	NOUN
afbr-600	501	4	-	-	PUNCT
afbr-600	501	5	villavicencio	villavicencio	NOUN
afbr-600	501	6	and	and	CCONJ
afbr-600	501	7	v.	v.	ADP
afbr-600	501	8	mignon	mignon	NOUN
afbr-600	501	9	,	,	PUNCT
afbr-600	501	10	2010	2010	NUM
afbr-600	501	11	,	,	PUNCT
afbr-600	501	12	“	"	PUNCT
afbr-600	501	13	on	on	ADP
afbr-600	501	14	the	the	DET
afbr-600	501	15	link	link	NOUN
afbr-600	501	16	between	between	ADP
afbr-600	501	17	credit	credit	NOUN
afbr-600	501	18	procyclicality	procyclicality	NOUN
afbr-600	501	19	and	and	CCONJ
afbr-600	501	20	bank	bank	NOUN
afbr-600	501	21	competition	competition	NOUN
afbr-600	501	22	”	"	PUNCT
afbr-600	501	23	,	,	PUNCT
afbr-600	501	24	cepii	cepii	ADJ
afbr-600	501	25	working	working	NOUN
afbr-600	501	26	paper	paper	NOUN
afbr-600	501	27	,	,	PUNCT
afbr-600	501	28	no	no	INTJ
afbr-600	501	29	.	.	NOUN
afbr-600	501	30	2010	2010	NUM
afbr-600	501	31	-	-	SYM
afbr-600	501	32	25	25	NUM
afbr-600	501	33	,	,	PUNCT
afbr-600	501	34	november	november	PROPN
afbr-600	501	35	courage	courage	NOUN
afbr-600	501	36	,	,	PUNCT
afbr-600	501	37	o.e	o.e	PROPN
afbr-600	501	38	.	.	PROPN
afbr-600	501	39	&	&	CCONJ
afbr-600	501	40	leonard	leonard	PROPN
afbr-600	501	41	,	,	PUNCT
afbr-600	501	42	n.a	n.a	PROPN
afbr-600	501	43	,	,	PUNCT
afbr-600	501	44	(	(	PUNCT
afbr-600	501	45	2018	2018	NUM
afbr-600	501	46	)	)	PUNCT
afbr-600	501	47	.	.	PUNCT
afbr-600	502	1	impact	impact	NOUN
afbr-600	502	2	of	of	ADP
afbr-600	502	3	commercial	commercial	ADJ
afbr-600	502	4	banks	bank	NOUN
afbr-600	502	5	’	'	PUNCT
afbr-600	502	6	credit	credit	NOUN
afbr-600	502	7	to	to	ADP
afbr-600	502	8	the	the	DET
afbr-600	502	9	real	real	ADJ
afbr-600	502	10	sector	sector	NOUN
afbr-600	502	11	on	on	ADP
afbr-600	502	12	economic	economic	ADJ
afbr-600	502	13	growth	growth	NOUN
afbr-600	502	14	in	in	ADP
afbr-600	502	15	nigeria	nigeria	PROPN
afbr-600	502	16	.	.	PUNCT
afbr-600	503	1	oradea	oradea	PROPN
afbr-600	503	2	journal	journal	PROPN
afbr-600	503	3	of	of	ADP
afbr-600	503	4	business	business	NOUN
afbr-600	503	5	and	and	CCONJ
afbr-600	503	6	economics	economic	NOUN
afbr-600	503	7	,	,	PUNCT
afbr-600	503	8	university	university	NOUN
afbr-600	503	9	of	of	ADP
afbr-600	503	10	oradea	oradea	PROPN
afbr-600	503	11	,	,	PUNCT
afbr-600	503	12	faculty	faculty	NOUN
afbr-600	503	13	of	of	ADP
afbr-600	503	14	economics	economic	NOUN
afbr-600	503	15	,	,	PUNCT
afbr-600	503	16	4(1	4(1	NOUN
afbr-600	503	17	)	)	PUNCT
afbr-600	503	18	,	,	PUNCT
afbr-600	503	19	38	38	NUM
afbr-600	503	20	-	-	SYM
afbr-600	503	21	46	46	NUM
afbr-600	503	22	.	.	PUNCT
afbr-600	504	1	cressy	cressy	NOUN
afbr-600	504	2	,	,	PUNCT
afbr-600	504	3	r.	r.	PROPN
afbr-600	504	4	(	(	PUNCT
afbr-600	504	5	1996	1996	NUM
afbr-600	504	6	)	)	PUNCT
afbr-600	504	7	.	.	PUNCT
afbr-600	505	1	funding	funding	NOUN
afbr-600	505	2	gaps	gap	NOUN
afbr-600	505	3	:	:	PUNCT
afbr-600	505	4	a	a	DET
afbr-600	505	5	symposium	symposium	NOUN
afbr-600	505	6	.	.	PUNCT
afbr-600	506	1	the	the	DET
afbr-600	506	2	economic	economic	ADJ
afbr-600	506	3	journal	journal	NOUN
afbr-600	506	4	,	,	PUNCT
afbr-600	506	5	112	112	NUM
afbr-600	506	6	(	(	PUNCT
afbr-600	506	7	477	477	NUM
afbr-600	506	8	)	)	PUNCT
afbr-600	506	9	f1	f1	NOUN
afbr-600	506	10	-	-	PUNCT
afbr-600	506	11	f16	f16	NOUN
afbr-600	506	12	.	.	PUNCT
afbr-600	507	1	daniel	daniel	PROPN
afbr-600	507	2	,	,	PUNCT
afbr-600	507	3	b.e	b.e	PROPN
afbr-600	507	4	.	.	PROPN
afbr-600	507	5	(	(	PUNCT
afbr-600	507	6	2017	2017	NUM
afbr-600	507	7	)	)	PUNCT
afbr-600	507	8	.	.	PUNCT
afbr-600	508	1	liquidity	liquidity	NOUN
afbr-600	508	2	management	management	NOUN
afbr-600	508	3	and	and	CCONJ
afbr-600	508	4	performance	performance	NOUN
afbr-600	508	5	of	of	ADP
afbr-600	508	6	deposit	deposit	NOUN
afbr-600	508	7	money	money	NOUN
afbr-600	508	8	banks	bank	NOUN
afbr-600	508	9	in	in	ADP
afbr-600	508	10	nigeria	nigeria	PROPN
afbr-600	508	11	(	(	PUNCT
afbr-600	508	12	1986	1986	NUM
afbr-600	508	13	–	–	SYM
afbr-600	508	14	2011	2011	NUM
afbr-600	508	15	):	):	PUNCT
afbr-600	508	16	an	an	DET
afbr-600	508	17	investigation	investigation	NOUN
afbr-600	508	18	.	.	PUNCT
afbr-600	509	1	international	international	ADJ
afbr-600	509	2	journal	journal	PROPN
afbr-600	509	3	of	of	ADP
afbr-600	509	4	economics	economic	NOUN
afbr-600	509	5	,	,	PUNCT
afbr-600	509	6	finance	finance	NOUN
afbr-600	509	7	and	and	CCONJ
afbr-600	509	8	management	management	NOUN
afbr-600	509	9	sciences	science	NOUN
afbr-600	509	10	.	.	PUNCT
afbr-600	510	1	5(3	5(3	NUM
afbr-600	510	2	)	)	PUNCT
afbr-600	510	3	,	,	PUNCT
afbr-600	510	4	146	146	NUM
afbr-600	510	5	-	-	SYM
afbr-600	510	6	161	161	NUM
afbr-600	510	7	.	.	PUNCT
afbr-600	511	1	dhanuskodi	dhanuskodi	PROPN
afbr-600	511	2	r.	r.	PROPN
afbr-600	511	3	(	(	PUNCT
afbr-600	511	4	2014	2014	NUM
afbr-600	511	5	)	)	PUNCT
afbr-600	511	6	impact	impact	NOUN
afbr-600	511	7	of	of	ADP
afbr-600	511	8	loan	loan	NOUN
afbr-600	511	9	deposit	deposit	NOUN
afbr-600	511	10	ratio	ratio	NOUN
afbr-600	511	11	(	(	PUNCT
afbr-600	511	12	ldr	ldr	PROPN
afbr-600	511	13	)	)	PUNCT
afbr-600	511	14	on	on	ADP
afbr-600	511	15	profitability	profitability	NOUN
afbr-600	511	16	:	:	PUNCT
afbr-600	511	17	panel	panel	NOUN
afbr-600	511	18	evidence	evidence	NOUN
afbr-600	511	19	from	from	ADP
afbr-600	511	20	commercial	commercial	ADJ
afbr-600	511	21	banks	bank	NOUN
afbr-600	511	22	in	in	ADP
afbr-600	511	23	malaysia	malaysia	PROPN
afbr-600	511	24	.	.	PUNCT
afbr-600	512	1	proceedings	proceeding	NOUN
afbr-600	512	2	of	of	ADP
afbr-600	512	3	the	the	DET
afbr-600	512	4	third	third	ADJ
afbr-600	512	5	international	international	ADJ
afbr-600	512	6	conference	conference	NOUN
afbr-600	512	7	on	on	ADP
afbr-600	512	8	global	global	ADJ
afbr-600	512	9	business	business	NOUN
afbr-600	512	10	,	,	PUNCT
afbr-600	512	11	economics	economic	NOUN
afbr-600	512	12	,	,	PUNCT
afbr-600	512	13	finance	finance	NOUN
afbr-600	512	14	and	and	CCONJ
afbr-600	512	15	social	social	ADJ
afbr-600	512	16	sciences	science	NOUN
afbr-600	512	17	(	(	PUNCT
afbr-600	512	18	gb14mumbai	gb14mumbai	PROPN
afbr-600	512	19	conference	conference	NOUN
afbr-600	512	20	)	)	PUNCT
afbr-600	512	21	mumbai	mumbai	PROPN
afbr-600	512	22	,	,	PUNCT
afbr-600	512	23	india	india	PROPN
afbr-600	512	24	.	.	PROPN
afbr-600	513	1	19	19	NUM
afbr-600	513	2	-	-	SYM
afbr-600	513	3	21	21	NUM
afbr-600	513	4	.	.	PUNCT
afbr-600	513	5	paper	paper	NOUN
afbr-600	514	1	i	i	PROPN
afbr-600	514	2	d	d	PROPN
afbr-600	514	3	:	:	PUNCT
afbr-600	515	1	mf498	mf498	PROPN
afbr-600	515	2	.	.	PUNCT
afbr-600	516	1	d’pola	d’pola	PROPN
afbr-600	516	2	,	,	PUNCT
afbr-600	516	3	k.	k.	PROPN
afbr-600	516	4	u.	u.	PROPN
afbr-600	516	5	and	and	CCONJ
afbr-600	516	6	touk	touk	PROPN
afbr-600	516	7	,	,	PUNCT
afbr-600	516	8	m.c	m.c	PROPN
afbr-600	516	9	.	.	PROPN
afbr-600	516	10	(	(	PUNCT
afbr-600	516	11	2016	2016	NUM
afbr-600	516	12	)	)	PUNCT
afbr-600	516	13	.	.	PUNCT
afbr-600	517	1	the	the	DET
afbr-600	517	2	effect	effect	NOUN
afbr-600	517	3	of	of	ADP
afbr-600	517	4	commercial	commercial	ADJ
afbr-600	517	5	bank	bank	NOUN
afbr-600	517	6	credit	credit	NOUN
afbr-600	517	7	on	on	ADP
afbr-600	517	8	the	the	DET
afbr-600	517	9	output	output	NOUN
afbr-600	517	10	of	of	ADP
afbr-600	517	11	small	small	ADJ
afbr-600	517	12	and	and	CCONJ
afbr-600	517	13	medium	medium	ADJ
afbr-600	517	14	enterprises	enterprise	NOUN
afbr-600	517	15	in	in	ADP
afbr-600	517	16	cameroon	cameroon	NOUN
afbr-600	517	17	:	:	PUNCT
afbr-600	517	18	empirical	empirical	ADJ
afbr-600	517	19	evidence	evidence	NOUN
afbr-600	517	20	from	from	ADP
afbr-600	517	21	1980	1980	NUM
afbr-600	517	22	-	-	SYM
afbr-600	517	23	2014	2014	NUM
afbr-600	517	24	.	.	PUNCT
afbr-600	518	1	maghreb	maghreb	PROPN
afbr-600	518	2	review	review	PROPN
afbr-600	518	3	of	of	ADP
afbr-600	518	4	economic	economic	ADJ
afbr-600	518	5	management	management	NOUN
afbr-600	518	6	.	.	PUNCT
afbr-600	519	1	vol	vol	NOUN
afbr-600	519	2	03	03	NUM
afbr-600	519	3	n	n	CCONJ
afbr-600	519	4	°	°	NUM
afbr-600	519	5	02	02	NUM
afbr-600	519	6	.	.	PUNCT
afbr-600	520	1	eangle	eangle	PROPN
afbr-600	520	2	,	,	PUNCT
afbr-600	520	3	r.	r.	PROPN
afbr-600	520	4	f.	f.	PROPN
afbr-600	520	5	,	,	PUNCT
afbr-600	520	6	&	&	CCONJ
afbr-600	520	7	granger	granger	PROPN
afbr-600	520	8	,	,	PUNCT
afbr-600	520	9	c.	c.	PROPN
afbr-600	520	10	w.	w.	PROPN
afbr-600	520	11	(	(	PUNCT
afbr-600	520	12	1987	1987	NUM
afbr-600	520	13	)	)	PUNCT
afbr-600	520	14	.	.	PUNCT
afbr-600	521	1	cointegration	cointegration	NOUN
afbr-600	521	2	and	and	CCONJ
afbr-600	521	3	error	error	NOUN
afbr-600	521	4	correction	correction	NOUN
afbr-600	521	5	:	:	PUNCT
afbr-600	521	6	representation	representation	NOUN
afbr-600	521	7	,	,	PUNCT
afbr-600	521	8	estimatin	estimatin	NOUN
afbr-600	521	9	and	and	CCONJ
afbr-600	521	10	testing	testing	NOUN
afbr-600	521	11	.	.	PUNCT
afbr-600	522	1	journal	journal	NOUN
afbr-600	522	2	of	of	ADP
afbr-600	522	3	econometrican	econometrican	ADJ
afbr-600	522	4	,	,	PUNCT
afbr-600	522	5	251	251	NUM
afbr-600	522	6	-	-	SYM
afbr-600	522	7	276	276	NUM
afbr-600	522	8	.	.	PUNCT
afbr-600	523	1	echekoba	echekoba	NOUN
afbr-600	523	2	,	,	PUNCT
afbr-600	523	3	f.n	f.n	PROPN
afbr-600	523	4	.	.	PROPN
afbr-600	523	5	&	&	CCONJ
afbr-600	523	6	ubesie	ubesie	PROPN
afbr-600	523	7	m.c	m.c	PROPN
afbr-600	523	8	.	.	PROPN
afbr-600	523	9	(	(	PUNCT
afbr-600	523	10	2018	2018	NUM
afbr-600	523	11	)	)	PUNCT
afbr-600	523	12	assessment	assessment	NOUN
afbr-600	523	13	of	of	ADP
afbr-600	523	14	financial	financial	ADJ
afbr-600	523	15	deepening	deepening	NOUN
afbr-600	523	16	on	on	ADP
afbr-600	523	17	the	the	DET
afbr-600	523	18	growth	growth	NOUN
afbr-600	523	19	of	of	ADP
afbr-600	523	20	nigerian	nigerian	ADJ
afbr-600	523	21	economy	economy	NOUN
afbr-600	523	22	:	:	PUNCT
afbr-600	523	23	1990	1990	NUM
afbr-600	523	24	-	-	SYM
afbr-600	523	25	2016	2016	NUM
afbr-600	523	26	.	.	PUNCT
afbr-600	524	1	international	international	ADJ
afbr-600	524	2	journal	journal	PROPN
afbr-600	524	3	of	of	ADP
afbr-600	524	4	academic	academic	ADJ
afbr-600	524	5	management	management	NOUN
afbr-600	524	6	science	science	NOUN
afbr-600	524	7	research	research	NOUN
afbr-600	524	8	(	(	PUNCT
afbr-600	524	9	ijamsr	ijamsr	NOUN
afbr-600	524	10	)	)	PUNCT
afbr-600	524	11	.	.	PUNCT
afbr-600	525	1	vol	vol	NOUN
afbr-600	525	2	.	.	NOUN
afbr-600	525	3	2	2	NUM
afbr-600	525	4	issue	issue	NOUN
afbr-600	525	5	11	11	NUM
afbr-600	525	6	,	,	PUNCT
afbr-600	525	7	pages	page	NOUN
afbr-600	525	8	:	:	PUNCT
afbr-600	525	9	70	70	NUM
afbr-600	525	10	-	-	SYM
afbr-600	525	11	82	82	NUM
afbr-600	525	12	.	.	PUNCT
afbr-600	526	1	eke	eke	ADJ
afbr-600	526	2	,	,	PUNCT
afbr-600	526	3	a.f	a.f	PROPN
afbr-600	526	4	.	.	PROPN
afbr-600	526	5	,	,	PUNCT
afbr-600	526	6	chikulirim	chikulirim	PROPN
afbr-600	526	7	,	,	PUNCT
afbr-600	526	8	e.i	e.i	PROPN
afbr-600	526	9	.	.	PROPN
afbr-600	526	10	and	and	CCONJ
afbr-600	526	11	inyang	inyang	PROPN
afbr-600	526	12	,	,	PUNCT
afbr-600	526	13	o.g	o.g	PROPN
afbr-600	526	14	.	.	PROPN
afbr-600	526	15	(	(	PUNCT
afbr-600	526	16	2015	2015	NUM
afbr-600	526	17	)	)	PUNCT
afbr-600	526	18	interest	interest	NOUN
afbr-600	526	19	rate	rate	NOUN
afbr-600	526	20	and	and	CCONJ
afbr-600	526	21	commercial	commercial	ADJ
afbr-600	526	22	banks	bank	NOUN
afbr-600	526	23	’	’	PART
afbr-600	526	24	lending	lending	NOUN
afbr-600	526	25	operations	operation	NOUN
afbr-600	526	26	in	in	ADP
afbr-600	526	27	nigeria	nigeria	PROPN
afbr-600	526	28	:	:	PUNCT
afbr-600	526	29	a	a	DET
afbr-600	526	30	structural	structural	ADJ
afbr-600	526	31	break	break	NOUN
afbr-600	526	32	analysis	analysis	NOUN
afbr-600	526	33	using	use	VERB
afbr-600	526	34	chow	chow	PROPN
afbr-600	526	35	test	test	NOUN
afbr-600	526	36	.	.	PUNCT
afbr-600	527	1	global	global	ADJ
afbr-600	527	2	journal	journal	PROPN
afbr-600	527	3	of	of	ADP
afbr-600	527	4	social	social	ADJ
afbr-600	527	5	sciences	science	NOUN
afbr-600	527	6	.	.	PUNCT
afbr-600	528	1	vol	vol	NOUN
afbr-600	528	2	14	14	NUM
afbr-600	528	3	,	,	PUNCT
afbr-600	528	4	2015	2015	NUM
afbr-600	528	5	:	:	PUNCT
afbr-600	528	6	9	9	NUM
afbr-600	528	7	-	-	SYM
afbr-600	528	8	22	22	NUM
afbr-600	528	9	.	.	PUNCT
afbr-600	529	1	cgfs	cgfs	PROPN
afbr-600	529	2	(	(	PUNCT
afbr-600	529	3	2012	2012	NUM
afbr-600	529	4	)	)	PUNCT
afbr-600	529	5	.	.	PUNCT
afbr-600	530	1	cgfs	cgfs	PROPN
afbr-600	530	2	working	working	PROPN
afbr-600	530	3	group	group	NOUN
afbr-600	530	4	on	on	ADP
afbr-600	530	5	the	the	DET
afbr-600	530	6	selection	selection	NOUN
afbr-600	530	7	and	and	CCONJ
afbr-600	530	8	application	application	NOUN
afbr-600	530	9	of	of	ADP
afbr-600	530	10	macro	macro	ADJ
afbr-600	530	11	-	-	ADJ
afbr-600	530	12	prudential	prudential	ADJ
afbr-600	530	13	instruments	instrument	NOUN
afbr-600	530	14	.	.	PUNCT
afbr-600	531	1	(	(	PUNCT
afbr-600	531	2	sam	sam	PROPN
afbr-600	531	3	)	)	PUNCT
afbr-600	531	4	,	,	PUNCT
afbr-600	531	5	unpublished	unpublished	ADJ
afbr-600	531	6	manuscript	manuscript	NOUN
afbr-600	531	7	.	.	PUNCT
afbr-600	532	1	gujarati	gujarati	PROPN
afbr-600	532	2	,	,	PUNCT
afbr-600	532	3	d.	d.	PROPN
afbr-600	532	4	n.	n.	PROPN
afbr-600	532	5	(	(	PUNCT
afbr-600	532	6	2004	2004	NUM
afbr-600	532	7	)	)	PUNCT
afbr-600	532	8	.	.	PUNCT
afbr-600	533	1	basic	basic	ADJ
afbr-600	533	2	econometrics	econometric	NOUN
afbr-600	533	3	(	(	PUNCT
afbr-600	533	4	4th	4th	ADJ
afbr-600	533	5	ed	ed	NOUN
afbr-600	533	6	.	.	PUNCT
afbr-600	533	7	)	)	PUNCT
afbr-600	533	8	mcgraw	mcgraw	PROPN
afbr-600	533	9	-	-	PUNCT
afbr-600	533	10	hill	hill	PROPN
afbr-600	533	11	,	,	PUNCT
afbr-600	533	12	new	new	PROPN
afbr-600	533	13	york	york	PROPN
afbr-600	533	14	.	.	PUNCT
afbr-600	534	1	husain	husain	PROPN
afbr-600	534	2	a.l.o	a.l.o	PROPN
afbr-600	534	3	,	,	PUNCT
afbr-600	534	4	abdullah	abdullah	PROPN
afbr-600	534	5	,	,	PUNCT
afbr-600	534	6	a.l.m	a.l.m	NOUN
afbr-600	534	7	2008	2008	NUM
afbr-600	534	8	.	.	PUNCT
afbr-600	535	1	bank	bank	NOUN
afbr-600	535	2	specific	specific	ADJ
afbr-600	535	3	determinants	determinant	NOUN
afbr-600	535	4	of	of	ADP
afbr-600	535	5	profitability	profitability	NOUN
afbr-600	535	6	.	.	PUNCT
afbr-600	536	1	the	the	DET
afbr-600	536	2	case	case	NOUN
afbr-600	536	3	of	of	ADP
afbr-600	536	4	kuwait	kuwait	PROPN
afbr-600	536	5	.	.	PUNCT
afbr-600	537	1	journal	journal	PROPN
afbr-600	537	2	of	of	ADP
afbr-600	537	3	economic	economic	ADJ
afbr-600	537	4	and	and	CCONJ
afbr-600	537	5	administrative	administrative	ADJ
afbr-600	537	6	sciences	science	NOUN
afbr-600	537	7	,	,	PUNCT
afbr-600	537	8	24	24	NUM
afbr-600	537	9	:	:	SYM
afbr-600	537	10	20	20	NUM
afbr-600	537	11	-	-	SYM
afbr-600	537	12	34	34	NUM
afbr-600	537	13	.	.	PUNCT
afbr-600	538	1	hyunggeun	hyunggeun	PROPN
afbr-600	538	2	p.	p.	PROPN
afbr-600	538	3	,	,	PUNCT
afbr-600	538	4	hyunwoo	hyunwoo	PROPN
afbr-600	538	5	j.	j.	PROPN
afbr-600	538	6	,	,	PUNCT
afbr-600	538	7	dokyung	dokyung	PROPN
afbr-600	538	8	,	,	PUNCT
afbr-600	538	9	l.	l.	PROPN
afbr-600	538	10	(	(	PUNCT
afbr-600	538	11	2015	2015	NUM
afbr-600	538	12	)	)	PUNCT
afbr-600	538	13	.	.	PUNCT
afbr-600	539	1	evaluation	evaluation	NOUN
afbr-600	539	2	on	on	ADP
afbr-600	539	3	the	the	DET
afbr-600	539	4	usefulness	usefulness	NOUN
afbr-600	539	5	of	of	ADP
afbr-600	539	6	the	the	DET
afbr-600	539	7	loan	loan	NOUN
afbr-600	539	8	-	-	PUNCT
afbr-600	539	9	to	to	ADP
afbr-600	539	10	-	-	PUNCT
afbr-600	539	11	deposit	deposit	NOUN
afbr-600	539	12	ratio	ratio	NOUN
afbr-600	539	13	regulation	regulation	NOUN
afbr-600	539	14	from	from	ADP
afbr-600	539	15	the	the	DET
afbr-600	539	16	macroprudential	macroprudential	ADJ
afbr-600	539	17	policy	policy	NOUN
afbr-600	539	18	perspective	perspective	NOUN
afbr-600	539	19	.	.	PUNCT
afbr-600	540	1	financial	financial	ADJ
afbr-600	540	2	research	research	NOUN
afbr-600	540	3	team	team	NOUN
afbr-600	540	4	,	,	PUNCT
afbr-600	540	5	financial	financial	ADJ
afbr-600	540	6	stability	stability	NOUN
afbr-600	540	7	department	department	PROPN
afbr-600	540	8	,	,	PUNCT
afbr-600	540	9	bank	bank	PROPN
afbr-600	540	10	of	of	ADP
afbr-600	540	11	korea	korea	PROPN
afbr-600	540	12	working	working	PROPN
afbr-600	540	13	paper	paper	NOUN
afbr-600	540	14	.	.	PUNCT
afbr-600	541	1	hossain	hossain	PROPN
afbr-600	541	2	,	,	PUNCT
afbr-600	541	3	s.	s.	PROPN
afbr-600	541	4	a.	a.	PROPN
afbr-600	541	5	,	,	PUNCT
afbr-600	541	6	&	&	CCONJ
afbr-600	541	7	islam	islam	PROPN
afbr-600	541	8	,	,	PUNCT
afbr-600	541	9	k.	k.	PROPN
afbr-600	541	10	m.	m.	PROPN
afbr-600	541	11	a.	a.	PROPN
afbr-600	541	12	(	(	PUNCT
afbr-600	541	13	2017	2017	NUM
afbr-600	541	14	)	)	PUNCT
afbr-600	541	15	.	.	PUNCT
afbr-600	542	1	impact	impact	NOUN
afbr-600	542	2	of	of	ADP
afbr-600	542	3	basel	basel	PROPN
afbr-600	542	4	ii	ii	PROPN
afbr-600	542	5	&	&	CCONJ
afbr-600	542	6	iii	iii	NUM
afbr-600	542	7	implementation	implementation	NOUN
afbr-600	542	8	to	to	PART
afbr-600	542	9	mitigate	mitigate	VERB
afbr-600	542	10	bank	bank	NOUN
afbr-600	542	11	risk	risk	NOUN
afbr-600	542	12	:	:	PUNCT
afbr-600	542	13	a	a	DET
afbr-600	542	14	study	study	NOUN
afbr-600	542	15	on	on	ADP
afbr-600	542	16	alarafah	alarafah	PROPN
afbr-600	542	17	islami	islami	PROPN
afbr-600	542	18	bank	bank	PROPN
afbr-600	542	19	limited	limit	VERB
afbr-600	542	20	.	.	PUNCT
afbr-600	543	1	indian	indian	ADJ
afbr-600	543	2	journal	journal	PROPN
afbr-600	543	3	of	of	ADP
afbr-600	543	4	finance	finance	NOUN
afbr-600	543	5	and	and	CCONJ
afbr-600	543	6	banking	banking	NOUN
afbr-600	543	7	,	,	PUNCT
afbr-600	543	8	1(2	1(2	NUM
afbr-600	543	9	)	)	PUNCT
afbr-600	543	10	,	,	PUNCT
afbr-600	543	11	42	42	NUM
afbr-600	543	12	-	-	SYM
afbr-600	543	13	51	51	NUM
afbr-600	543	14	.	.	PUNCT
afbr-600	544	1	https://doi.org/10.46281/ijfb.v1i2.88	https://doi.org/10.46281/ijfb.v1i2.88	PROPN
afbr-600	544	2	hossain	hossain	PROPN
afbr-600	544	3	,	,	PUNCT
afbr-600	544	4	s.	s.	PROPN
afbr-600	544	5	a.	a.	PROPN
afbr-600	544	6	,	,	PUNCT
afbr-600	544	7	&	&	CCONJ
afbr-600	544	8	islam	islam	PROPN
afbr-600	544	9	,	,	PUNCT
afbr-600	544	10	k.	k.	PROPN
afbr-600	544	11	a.	a.	PROPN
afbr-600	544	12	(	(	PUNCT
afbr-600	544	13	2015	2015	NUM
afbr-600	544	14	)	)	PUNCT
afbr-600	544	15	.	.	PUNCT
afbr-600	545	1	the	the	DET
afbr-600	545	2	relationship	relationship	NOUN
afbr-600	545	3	of	of	ADP
afbr-600	545	4	the	the	DET
afbr-600	545	5	macroeconomic	macroeconomic	ADJ
afbr-600	545	6	variables	variable	NOUN
afbr-600	545	7	with	with	ADP
afbr-600	545	8	the	the	DET
afbr-600	545	9	growth	growth	NOUN
afbr-600	545	10	of	of	ADP
afbr-600	545	11	garment	garment	NOUN
afbr-600	545	12	industry	industry	NOUN
afbr-600	545	13	in	in	ADP
afbr-600	545	14	bangladesh	bangladesh	NOUN
afbr-600	545	15	.	.	PUNCT
afbr-600	546	1	global	global	ADJ
afbr-600	546	2	disclosure	disclosure	NOUN
afbr-600	546	3	of	of	ADP
afbr-600	546	4	economics	economic	NOUN
afbr-600	546	5	and	and	CCONJ
afbr-600	546	6	business	business	NOUN
afbr-600	546	7	,	,	PUNCT
afbr-600	546	8	4(1	4(1	NOUN
afbr-600	546	9	)	)	PUNCT
afbr-600	546	10	,	,	PUNCT
afbr-600	546	11	63	63	NUM
afbr-600	546	12	-	-	SYM
afbr-600	546	13	78	78	NUM
afbr-600	546	14	.	.	PUNCT
afbr-600	547	1	https://doi.org/10.18034/gdeb.v4i1.153	https://doi.org/10.18034/gdeb.v4i1.153	NOUN
afbr-600	547	2	hossain	hossain	PROPN
afbr-600	547	3	,	,	PUNCT
afbr-600	547	4	s.	s.	PROPN
afbr-600	547	5	a.	a.	PROPN
afbr-600	547	6	,	,	PUNCT
afbr-600	547	7	islam	islam	PROPN
afbr-600	547	8	,	,	PUNCT
afbr-600	547	9	m.	m.	NOUN
afbr-600	547	10	n.	n.	PROPN
afbr-600	547	11	,	,	PUNCT
afbr-600	547	12	mahmud	mahmud	PROPN
afbr-600	547	13	,	,	PUNCT
afbr-600	547	14	m.	m.	NOUN
afbr-600	547	15	s.	s.	PROPN
afbr-600	547	16	,	,	PUNCT
afbr-600	547	17	&	&	CCONJ
afbr-600	547	18	islam	islam	PROPN
afbr-600	547	19	,	,	PUNCT
afbr-600	547	20	k.	k.	PROPN
afbr-600	547	21	a.	a.	PROPN
afbr-600	547	22	(	(	PUNCT
afbr-600	547	23	2017	2017	NUM
afbr-600	547	24	)	)	PUNCT
afbr-600	547	25	.	.	PUNCT
afbr-600	548	1	evaluation	evaluation	NOUN
afbr-600	548	2	of	of	ADP
afbr-600	548	3	financial	financial	ADJ
afbr-600	548	4	performance	performance	NOUN
afbr-600	548	5	of	of	ADP
afbr-600	548	6	commercial	commercial	ADJ
afbr-600	548	7	banks	bank	NOUN
afbr-600	548	8	in	in	ADP
afbr-600	548	9	bangladesh	bangladesh	NOUN
afbr-600	548	10	:	:	PUNCT
afbr-600	548	11	comparative	comparative	ADJ
afbr-600	548	12	study	study	NOUN
afbr-600	548	13	based	base	VERB
afbr-600	548	14	on	on	ADP
afbr-600	548	15	camel	camel	NOUN
afbr-600	548	16	approach	approach	NOUN
afbr-600	548	17	.	.	PUNCT
afbr-600	549	1	the	the	DET
afbr-600	549	2	millennium	millennium	PROPN
afbr-600	549	3	university	university	PROPN
afbr-600	549	4	journal	journal	NOUN
afbr-600	549	5	,	,	PUNCT
afbr-600	549	6	2(1	2(1	NUM
afbr-600	549	7	)	)	PUNCT
afbr-600	549	8	,	,	PUNCT
afbr-600	549	9	5477	5477	NUM
afbr-600	549	10	.	.	PUNCT
afbr-600	549	11	retrieved	retrieve	VERB
afbr-600	549	12	from	from	ADP
afbr-600	549	13	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/22	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/22	PROPN
afbr-600	549	14	islam	islam	PROPN
afbr-600	549	15	,	,	PUNCT
afbr-600	549	16	k.	k.	PROPN
afbr-600	549	17	a.	a.	PROPN
afbr-600	549	18	(	(	PUNCT
afbr-600	549	19	2012	2012	NUM
afbr-600	549	20	)	)	PUNCT
afbr-600	549	21	.	.	PUNCT
afbr-600	550	1	performance	performance	NOUN
afbr-600	550	2	evaluation	evaluation	NOUN
afbr-600	550	3	of	of	ADP
afbr-600	550	4	the	the	DET
afbr-600	550	5	banking	banking	NOUN
afbr-600	550	6	industry	industry	NOUN
afbr-600	550	7	in	in	ADP
afbr-600	550	8	bangladesh	bangladesh	PROPN
afbr-600	550	9	:	:	PUNCT
afbr-600	550	10	a	a	DET
afbr-600	550	11	comparative	comparative	ADJ
afbr-600	550	12	analysis	analysis	NOUN
afbr-600	550	13	.	.	PUNCT
afbr-600	551	1	iosr	iosr	ADJ
afbr-600	551	2	journal	journal	PROPN
afbr-600	551	3	of	of	ADP
afbr-600	551	4	business	business	NOUN
afbr-600	551	5	and	and	CCONJ
afbr-600	551	6	management	management	NOUN
afbr-600	551	7	(	(	PUNCT
afbr-600	551	8	iosrjbm),3(4),9	iosrjbm),3(4),9	PROPN
afbr-600	551	9	-	-	PUNCT
afbr-600	551	10	19	19	NUM
afbr-600	551	11	.	.	PUNCT
afbr-600	552	1	https://doi.org/10.9790/487x-0340919	https://doi.org/10.9790/487x-0340919	PROPN
afbr-600	552	2	islam	islam	PROPN
afbr-600	552	3	,	,	PUNCT
afbr-600	552	4	k.	k.	PROPN
afbr-600	552	5	m.	m.	PROPN
afbr-600	552	6	a.	a.	PROPN
afbr-600	552	7	,	,	PUNCT
afbr-600	552	8	&	&	CCONJ
afbr-600	552	9	zaman	zaman	PROPN
afbr-600	552	10	,	,	PUNCT
afbr-600	552	11	m.	m.	NOUN
afbr-600	552	12	(	(	PUNCT
afbr-600	552	13	2013	2013	NUM
afbr-600	552	14	)	)	PUNCT
afbr-600	552	15	.	.	PUNCT
afbr-600	553	1	job	job	NOUN
afbr-600	553	2	satisfaction	satisfaction	NOUN
afbr-600	553	3	&	&	CCONJ
afbr-600	553	4	bankers	bankers	PROPN
afbr-600	553	5	’	’	PART
afbr-600	553	6	turnover	turnover	NOUN
afbr-600	553	7	:	:	PUNCT
afbr-600	553	8	a	a	DET
afbr-600	553	9	case	case	NOUN
afbr-600	553	10	study	study	NOUN
afbr-600	553	11	on	on	ADP
afbr-600	553	12	bangladesh	bangladesh	PROPN
afbr-600	553	13	commerce	commerce	PROPN
afbr-600	553	14	bank	bank	PROPN
afbr-600	553	15	limited	limit	VERB
afbr-600	553	16	.	.	PUNCT
afbr-600	554	1	international	international	ADJ
afbr-600	554	2	journal	journal	PROPN
afbr-600	554	3	of	of	ADP
afbr-600	554	4	business	business	NOUN
afbr-600	554	5	and	and	CCONJ
afbr-600	554	6	management	management	NOUN
afbr-600	554	7	review	review	NOUN
afbr-600	554	8	,	,	PUNCT
afbr-600	554	9	1(4	1(4	NUM
afbr-600	554	10	)	)	PUNCT
afbr-600	554	11	,	,	PUNCT
afbr-600	554	12	1	1	NUM
afbr-600	554	13	-	-	SYM
afbr-600	554	14	14	14	NUM
afbr-600	554	15	.	.	PUNCT
afbr-600	555	1	retrieved	retrieve	VERB
afbr-600	555	2	from	from	ADP
afbr-600	555	3	https://www.eajournals.org/journals/international-journal-of-business-and-management-review-ijbmr/vol-1-issue4-december-2013/job-satisfaction-bankers-turnover-a-case-study-on-bangladesh-commerce-bank-limited/	https://www.eajournals.org/journals/international-journal-of-business-and-management-review-ijbmr/vol-1-issue4-december-2013/job-satisfaction-bankers-turnover-a-case-study-on-bangladesh-commerce-bank-limited/	PROPN
afbr-600	555	4	islam	islam	PROPN
afbr-600	555	5	,	,	PUNCT
afbr-600	555	6	k.	k.	PROPN
afbr-600	555	7	a.	a.	PROPN
afbr-600	555	8	,	,	PUNCT
afbr-600	555	9	hossain	hossain	PROPN
afbr-600	555	10	,	,	PUNCT
afbr-600	555	11	s.	s.	PROPN
afbr-600	555	12	a.	a.	PROPN
afbr-600	555	13	,	,	PUNCT
afbr-600	555	14	zaman	zaman	NOUN
afbr-600	555	15	,	,	PUNCT
afbr-600	555	16	m.	m.	NOUN
afbr-600	555	17	,	,	PUNCT
afbr-600	555	18	&	&	CCONJ
afbr-600	555	19	miajee	miajee	PROPN
afbr-600	555	20	,	,	PUNCT
afbr-600	555	21	m.	m.	PROPN
afbr-600	555	22	r.	r.	PROPN
afbr-600	555	23	k.	k.	PROPN
afbr-600	555	24	(	(	PUNCT
afbr-600	555	25	2013	2013	NUM
afbr-600	555	26	)	)	PUNCT
afbr-600	555	27	.	.	PUNCT
afbr-600	556	1	poverty	poverty	NOUN
afbr-600	556	2	alleviation	alleviation	NOUN
afbr-600	556	3	in	in	ADP
afbr-600	556	4	bangladesh	bangladesh	PROPN
afbr-600	556	5	through	through	ADP
afbr-600	556	6	small	small	ADJ
afbr-600	556	7	and	and	CCONJ
afbr-600	556	8	medium	medium	ADJ
afbr-600	556	9	enterprise	enterprise	NOUN
afbr-600	556	10	(	(	PUNCT
afbr-600	556	11	sme	sme	NOUN
afbr-600	556	12	)	)	PUNCT
afbr-600	556	13	loan	loan	NOUN
afbr-600	556	14	:	:	PUNCT
afbr-600	556	15	a	a	DET
afbr-600	556	16	case	case	NOUN
afbr-600	556	17	study	study	NOUN
afbr-600	556	18	on	on	ADP
afbr-600	556	19	united	united	PROPN
afbr-600	556	20	commercial	commercial	PROPN
afbr-600	556	21	bank	bank	PROPN
afbr-600	556	22	limited	limit	VERB
afbr-600	556	23	at	at	ADP
afbr-600	556	24	gulshan	gulshan	PROPN
afbr-600	556	25	branch	branch	PROPN
afbr-600	556	26	.	.	PUNCT
afbr-600	557	1	bangladesh	bangladesh	PROPN
afbr-600	557	2	research	research	PROPN
afbr-600	557	3	foundation	foundation	PROPN
afbr-600	557	4	journal	journal	PROPN
afbr-600	557	5	,	,	PUNCT
afbr-600	557	6	2(3	2(3	NUM
afbr-600	557	7	)	)	PUNCT
afbr-600	557	8	,	,	PUNCT
afbr-600	557	9	29	29	NUM
afbr-600	557	10	-	-	SYM
afbr-600	557	11	43	43	NUM
afbr-600	557	12	.	.	PUNCT
afbr-600	558	1	islam	islam	PROPN
afbr-600	558	2	,	,	PUNCT
afbr-600	558	3	k.	k.	PROPN
afbr-600	558	4	a.	a.	PROPN
afbr-600	558	5	(	(	PUNCT
afbr-600	558	6	2013	2013	NUM
afbr-600	558	7	)	)	PUNCT
afbr-600	558	8	.	.	PUNCT
afbr-600	559	1	examination	examination	NOUN
afbr-600	559	2	of	of	ADP
afbr-600	559	3	profitability	profitability	NOUN
afbr-600	559	4	in	in	ADP
afbr-600	559	5	private	private	ADJ
afbr-600	559	6	commercial	commercial	ADJ
afbr-600	559	7	banks	bank	NOUN
afbr-600	559	8	in	in	ADP
afbr-600	559	9	bangladesh	bangladesh	NOUN
afbr-600	559	10	:	:	PUNCT
afbr-600	559	11	an	an	DET
afbr-600	559	12	empirical	empirical	ADJ
afbr-600	559	13	investigation	investigation	NOUN
afbr-600	559	14	.	.	PUNCT
afbr-600	560	1	bangladesh	bangladesh	PROPN
afbr-600	560	2	research	research	PROPN
afbr-600	560	3	foundation	foundation	PROPN
afbr-600	560	4	journal	journal	PROPN
afbr-600	560	5	,	,	PUNCT
afbr-600	560	6	2(2),29,68	2(2),29,68	PROPN
afbr-600	560	7	-	-	SYM
afbr-600	560	8	83	83	NUM
afbr-600	560	9	.	.	PUNCT
afbr-600	561	1	islam	islam	PROPN
afbr-600	561	2	,	,	PUNCT
afbr-600	561	3	k.	k.	PROPN
afbr-600	561	4	a.	a.	PROPN
afbr-600	561	5	,	,	PUNCT
afbr-600	561	6	alam	alam	PROPN
afbr-600	561	7	,	,	PUNCT
afbr-600	561	8	i.	i.	PROPN
afbr-600	561	9	,	,	PUNCT
afbr-600	561	10	&	&	CCONJ
afbr-600	561	11	hossain	hossain	PROPN
afbr-600	561	12	,	,	PUNCT
afbr-600	561	13	s.	s.	PROPN
afbr-600	561	14	a.	a.	PROPN
afbr-600	561	15	(	(	PUNCT
afbr-600	561	16	2014	2014	NUM
afbr-600	561	17	)	)	PUNCT
afbr-600	561	18	.	.	PUNCT
afbr-600	562	1	examination	examination	NOUN
afbr-600	562	2	of	of	ADP
afbr-600	562	3	profitability	profitability	NOUN
afbr-600	562	4	between	between	ADP
afbr-600	562	5	islamic	islamic	ADJ
afbr-600	562	6	banks	bank	NOUN
afbr-600	562	7	and	and	CCONJ
afbr-600	562	8	conventional	conventional	ADJ
afbr-600	562	9	banks	bank	NOUN
afbr-600	562	10	in	in	ADP
afbr-600	562	11	bangladesh	bangladesh	NOUN
afbr-600	562	12	:	:	PUNCT
afbr-600	562	13	a	a	DET
afbr-600	562	14	comparative	comparative	ADJ
afbr-600	562	15	study	study	NOUN
afbr-600	562	16	.	.	PUNCT
afbr-600	563	1	research	research	NOUN
afbr-600	563	2	in	in	ADP
afbr-600	563	3	business	business	NOUN
afbr-600	563	4	and	and	CCONJ
afbr-600	563	5	management	management	NOUN
afbr-600	563	6	,	,	PUNCT
afbr-600	563	7	1(1	1(1	NUM
afbr-600	563	8	)	)	PUNCT
afbr-600	563	9	,	,	PUNCT
afbr-600	563	10	78	78	NUM
afbr-600	563	11	-	-	SYM
afbr-600	563	12	89	89	NUM
afbr-600	563	13	.	.	PUNCT
afbr-600	564	1	https://dx.doi.org/10.5296/rbm.v1i1.4894	https://dx.doi.org/10.5296/rbm.v1i1.4894	PROPN
afbr-600	564	2	islam	islam	PROPN
afbr-600	564	3	,	,	PUNCT
afbr-600	564	4	k.	k.	PROPN
afbr-600	564	5	a.	a.	PROPN
afbr-600	564	6	(	(	PUNCT
afbr-600	564	7	2014	2014	NUM
afbr-600	564	8	)	)	PUNCT
afbr-600	564	9	.	.	PUNCT
afbr-600	565	1	foreign	foreign	ADJ
afbr-600	565	2	direct	direct	ADJ
afbr-600	565	3	investment	investment	NOUN
afbr-600	565	4	(	(	PUNCT
afbr-600	565	5	fdi	fdi	NOUN
afbr-600	565	6	)	)	PUNCT
afbr-600	565	7	in	in	ADP
afbr-600	565	8	bangladesh	bangladesh	NOUN
afbr-600	565	9	:	:	PUNCT
afbr-600	565	10	prospects	prospect	NOUN
afbr-600	565	11	and	and	CCONJ
afbr-600	565	12	challenges	challenge	NOUN
afbr-600	565	13	and	and	CCONJ
afbr-600	565	14	its	its	PRON
afbr-600	565	15	impact	impact	NOUN
afbr-600	565	16	on	on	ADP
afbr-600	565	17	economy	economy	NOUN
afbr-600	565	18	.	.	PUNCT
afbr-600	566	1	asian	asian	ADJ
afbr-600	566	2	business	business	PROPN
afbr-600	566	3	review	review	PROPN
afbr-600	566	4	,	,	PUNCT
afbr-600	566	5	4(1	4(1	NOUN
afbr-600	566	6	)	)	PUNCT
afbr-600	566	7	,	,	PUNCT
afbr-600	566	8	24	24	NUM
afbr-600	566	9	-	-	SYM
afbr-600	566	10	36	36	NUM
afbr-600	566	11	.	.	PUNCT
afbr-600	567	1	https://doi.org/10.18034/abr.v4i1.70	https://doi.org/10.18034/abr.v4i1.70	PROPN
afbr-600	567	2	https://ideas.repec.org/a/ora/jrojbe/v4y2019i1p38-46.html	https://ideas.repec.org/a/ora/jrojbe/v4y2019i1p38-46.html	PROPN
afbr-600	567	3	https://ideas.repec.org/a/ora/jrojbe/v4y2019i1p38-46.html	https://ideas.repec.org/a/ora/jrojbe/v4y2019i1p38-46.html	PROPN
afbr-600	567	4	https://ideas.repec.org/s/ora/jrojbe.html	https://ideas.repec.org/s/ora/jrojbe.html	PROPN
afbr-600	567	5	https://doi.org/10.18034/gdeb.v4i1.153	https://doi.org/10.18034/gdeb.v4i1.153	VERB
afbr-600	567	6	copyright	copyright	NOUN
afbr-600	567	7	©	©	PROPN
afbr-600	567	8	cc	cc	NOUN
afbr-600	567	9	-	-	PUNCT
afbr-600	567	10	by	by	ADP
afbr-600	567	11	-	-	PUNCT
afbr-600	567	12	nc	nc	PROPN
afbr-600	567	13	2019	2019	NUM
afbr-600	567	14	,	,	PUNCT
afbr-600	567	15	cribfb	cribfb	PROPN
afbr-600	567	16	|	|	ADV
afbr-600	567	17	afbr	afbr	PROPN
afbr-600	567	18	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	567	19	australian	australian	ADJ
afbr-600	567	20	finance	finance	PROPN
afbr-600	567	21	&	&	CCONJ
afbr-600	567	22	banking	banking	PROPN
afbr-600	567	23	review	review	PROPN
afbr-600	567	24	vol	vol	NOUN
afbr-600	567	25	.	.	PROPN
afbr-600	568	1	4	4	NUM
afbr-600	568	2	,	,	PUNCT
afbr-600	568	3	no	no	INTJ
afbr-600	568	4	.	.	NOUN
afbr-600	568	5	1	1	NUM
afbr-600	569	1	;	;	PUNCT
afbr-600	569	2	2020	2020	NUM
afbr-600	569	3	34	34	NUM
afbr-600	569	4	islam	islam	PROPN
afbr-600	569	5	,	,	PUNCT
afbr-600	569	6	k.	k.	PROPN
afbr-600	569	7	a.	a.	PROPN
afbr-600	569	8	,	,	PUNCT
afbr-600	569	9	&	&	CCONJ
afbr-600	569	10	salma	salma	PROPN
afbr-600	569	11	,	,	PUNCT
afbr-600	569	12	u.	u.	PROPN
afbr-600	569	13	(	(	PUNCT
afbr-600	569	14	2014	2014	NUM
afbr-600	569	15	)	)	PUNCT
afbr-600	569	16	.	.	PUNCT
afbr-600	570	1	customer	customer	NOUN
afbr-600	570	2	satisfaction	satisfaction	NOUN
afbr-600	570	3	of	of	ADP
afbr-600	570	4	internet	internet	NOUN
afbr-600	570	5	banking	banking	NOUN
afbr-600	570	6	in	in	ADP
afbr-600	570	7	bangladesh	bangladesh	PROPN
afbr-600	570	8	:	:	PUNCT
afbr-600	570	9	a	a	DET
afbr-600	570	10	case	case	NOUN
afbr-600	570	11	study	study	NOUN
afbr-600	570	12	on	on	ADP
afbr-600	570	13	citibank	citibank	PROPN
afbr-600	570	14	na	na	PROPN
afbr-600	570	15	.	.	PROPN
afbr-600	570	16	asian	asian	PROPN
afbr-600	570	17	journal	journal	PROPN
afbr-600	570	18	of	of	ADP
afbr-600	570	19	applied	apply	VERB
afbr-600	570	20	science	science	NOUN
afbr-600	570	21	and	and	CCONJ
afbr-600	570	22	engineering	engineering	NOUN
afbr-600	570	23	,	,	PUNCT
afbr-600	570	24	3(1	3(1	NUM
afbr-600	570	25	)	)	PUNCT
afbr-600	570	26	,	,	PUNCT
afbr-600	570	27	51	51	NUM
afbr-600	570	28	-	-	SYM
afbr-600	570	29	62	62	NUM
afbr-600	570	30	.	.	PUNCT
afbr-600	570	31	retrieved	retrieve	VERB
afbr-600	570	32	from	from	ADP
afbr-600	570	33	https://www.journals.abc.us.org/index.php/ajase/article/view/51-62	https://www.journals.abc.us.org/index.php/ajase/article/view/51-62	PROPN
afbr-600	570	34	islam	islam	PROPN
afbr-600	570	35	,	,	PUNCT
afbr-600	570	36	k.	k.	PROPN
afbr-600	570	37	a.	a.	PROPN
afbr-600	570	38	(	(	PUNCT
afbr-600	570	39	2014	2014	NUM
afbr-600	570	40	)	)	PUNCT
afbr-600	570	41	.	.	PUNCT
afbr-600	571	1	measurement	measurement	NOUN
afbr-600	571	2	of	of	ADP
afbr-600	571	3	capital	capital	NOUN
afbr-600	571	4	adequacy	adequacy	NOUN
afbr-600	571	5	of	of	ADP
afbr-600	571	6	ab	ab	PROPN
afbr-600	571	7	bank	bank	PROPN
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afbr-600	571	9	.	.	PUNCT
afbr-600	572	1	international	international	ADJ
afbr-600	572	2	journal	journal	NOUN
afbr-600	572	3	of	of	ADP
afbr-600	572	4	novel	novel	ADJ
afbr-600	572	5	research	research	NOUN
afbr-600	572	6	in	in	ADP
afbr-600	572	7	marketing	marketing	NOUN
afbr-600	572	8	management	management	NOUN
afbr-600	572	9	and	and	CCONJ
afbr-600	572	10	economics	economic	NOUN
afbr-600	572	11	,	,	PUNCT
afbr-600	572	12	1(1	1(1	NUM
afbr-600	572	13	)	)	PUNCT
afbr-600	572	14	,	,	PUNCT
afbr-600	572	15	24	24	NUM
afbr-600	572	16	-	-	SYM
afbr-600	572	17	39	39	NUM
afbr-600	572	18	.	.	PUNCT
afbr-600	573	1	retrieved	retrieve	VERB
afbr-600	573	2	from	from	ADP
afbr-600	573	3	https://www.noveltyjournals.com/journal/ijnrmme/issue-1-september-2014-december-2014/0	https://www.noveltyjournals.com/journal/ijnrmme/issue-1-september-2014-december-2014/0	PROPN
afbr-600	573	4	islam	islam	PROPN
afbr-600	573	5	,	,	PUNCT
afbr-600	573	6	k.	k.	PROPN
afbr-600	573	7	a.	a.	PROPN
afbr-600	573	8	(	(	PUNCT
afbr-600	573	9	2015	2015	NUM
afbr-600	573	10	)	)	PUNCT
afbr-600	573	11	.	.	PUNCT
afbr-600	574	1	throughput	throughput	NOUN
afbr-600	574	2	accounting	accounting	NOUN
afbr-600	574	3	:	:	PUNCT
afbr-600	574	4	a	a	DET
afbr-600	574	5	case	case	NOUN
afbr-600	574	6	study	study	NOUN
afbr-600	574	7	.	.	PUNCT
afbr-600	575	1	international	international	ADJ
afbr-600	575	2	journal	journal	PROPN
afbr-600	575	3	of	of	ADP
afbr-600	575	4	finance	finance	NOUN
afbr-600	575	5	and	and	CCONJ
afbr-600	575	6	banking	banking	NOUN
afbr-600	575	7	research	research	NOUN
afbr-600	575	8	,	,	PUNCT
afbr-600	575	9	1(2	1(2	NUM
afbr-600	575	10	)	)	PUNCT
afbr-600	575	11	,	,	PUNCT
afbr-600	575	12	19	19	NUM
afbr-600	575	13	-	-	SYM
afbr-600	575	14	23	23	NUM
afbr-600	575	15	.	.	PUNCT
afbr-600	576	1	https://doi.org/10.11648/j.ijfbr.20150102.11	https://doi.org/10.11648/j.ijfbr.20150102.11	PROPN
afbr-600	576	2	islam	islam	PROPN
afbr-600	576	3	,	,	PUNCT
afbr-600	576	4	k.	k.	PROPN
afbr-600	576	5	m.	m.	PROPN
afbr-600	576	6	,	,	PUNCT
afbr-600	576	7	&	&	CCONJ
afbr-600	576	8	hossain	hossain	PROPN
afbr-600	576	9	,	,	PUNCT
afbr-600	576	10	s.	s.	PROPN
afbr-600	576	11	(	(	PUNCT
afbr-600	576	12	2015	2015	NUM
afbr-600	576	13	)	)	PUNCT
afbr-600	576	14	.	.	PUNCT
afbr-600	577	1	demutualization	demutualization	NOUN
afbr-600	577	2	of	of	ADP
afbr-600	577	3	dhaka	dhaka	PROPN
afbr-600	577	4	stock	stock	PROPN
afbr-600	577	5	exchange	exchange	PROPN
afbr-600	577	6	:	:	PUNCT
afbr-600	577	7	opportunities	opportunity	NOUN
afbr-600	577	8	and	and	CCONJ
afbr-600	577	9	challenges	challenge	NOUN
afbr-600	577	10	.	.	PUNCT
afbr-600	578	1	international	international	ADJ
afbr-600	578	2	journal	journal	NOUN
afbr-600	578	3	of	of	ADP
afbr-600	578	4	finance	finance	NOUN
afbr-600	578	5	and	and	CCONJ
afbr-600	578	6	banking	banking	NOUN
afbr-600	578	7	research	research	NOUN
afbr-600	578	8	,	,	PUNCT
afbr-600	578	9	1(1	1(1	NUM
afbr-600	578	10	)	)	PUNCT
afbr-600	578	11	,	,	PUNCT
afbr-600	578	12	1	1	NUM
afbr-600	578	13	-	-	SYM
afbr-600	578	14	11	11	NUM
afbr-600	578	15	.	.	PUNCT
afbr-600	578	16	retrieved	retrieve	VERB
afbr-600	578	17	from	from	ADP
afbr-600	578	18	http://article.sciencepublishinggroup.com/html/10.11648.j.ijfbr.20150101.11.html	http://article.sciencepublishinggroup.com/html/10.11648.j.ijfbr.20150101.11.html	PROPN
afbr-600	578	19	islam	islam	PROPN
afbr-600	578	20	,	,	PUNCT
afbr-600	578	21	k.	k.	PROPN
afbr-600	578	22	a.	a.	PROPN
afbr-600	578	23	,	,	PUNCT
afbr-600	578	24	alam	alam	PROPN
afbr-600	578	25	,	,	PUNCT
afbr-600	578	26	i.	i.	PROPN
afbr-600	578	27	,	,	PUNCT
afbr-600	578	28	&	&	CCONJ
afbr-600	578	29	al	al	PROPN
afbr-600	578	30	-	-	PUNCT
afbr-600	578	31	amin	amin	PROPN
afbr-600	578	32	,	,	PUNCT
afbr-600	578	33	d.	d.	PROPN
afbr-600	578	34	m.	m.	PROPN
afbr-600	578	35	(	(	PUNCT
afbr-600	578	36	2015	2015	NUM
afbr-600	578	37	)	)	PUNCT
afbr-600	578	38	.	.	PUNCT
afbr-600	579	1	foreign	foreign	ADJ
afbr-600	579	2	exchange	exchange	NOUN
afbr-600	579	3	operation	operation	NOUN
afbr-600	579	4	of	of	ADP
afbr-600	579	5	private	private	ADJ
afbr-600	579	6	commercial	commercial	ADJ
afbr-600	579	7	banks	bank	NOUN
afbr-600	579	8	in	in	ADP
afbr-600	579	9	bangladesh	bangladesh	NOUN
afbr-600	579	10	:	:	PUNCT
afbr-600	579	11	a	a	DET
afbr-600	579	12	case	case	NOUN
afbr-600	579	13	study	study	NOUN
afbr-600	579	14	on	on	ADP
afbr-600	579	15	ab	ab	PROPN
afbr-600	579	16	bank	bank	PROPN
afbr-600	579	17	limited	limit	VERB
afbr-600	579	18	.	.	PUNCT
afbr-600	580	1	international	international	ADJ
afbr-600	580	2	journal	journal	NOUN
afbr-600	580	3	of	of	ADP
afbr-600	580	4	innovative	innovative	ADJ
afbr-600	580	5	research	research	NOUN
afbr-600	580	6	and	and	CCONJ
afbr-600	580	7	creative	creative	ADJ
afbr-600	580	8	technology	technology	NOUN
afbr-600	580	9	,	,	PUNCT
afbr-600	580	10	1(3	1(3	NUM
afbr-600	580	11	)	)	PUNCT
afbr-600	580	12	.	.	PUNCT
afbr-600	581	1	retrieved	retrieve	VERB
afbr-600	581	2	from	from	ADP
afbr-600	581	3	http://www.ijirct.org/viewpaper.php?paperid=ijirct1201061	http://www.ijirct.org/viewpaper.php?paperid=ijirct1201061	PROPN
afbr-600	581	4	islam	islam	PROPN
afbr-600	581	5	,	,	PUNCT
afbr-600	581	6	k.	k.	PROPN
afbr-600	581	7	a.	a.	PROPN
afbr-600	581	8	,	,	PUNCT
afbr-600	581	9	&	&	CCONJ
afbr-600	581	10	salma	salma	PROPN
afbr-600	581	11	,	,	PUNCT
afbr-600	581	12	u.	u.	PROPN
afbr-600	581	13	(	(	PUNCT
afbr-600	581	14	2016	2016	NUM
afbr-600	581	15	)	)	PUNCT
afbr-600	581	16	.	.	PUNCT
afbr-600	582	1	the	the	DET
afbr-600	582	2	role	role	NOUN
afbr-600	582	3	of	of	ADP
afbr-600	582	4	private	private	ADJ
afbr-600	582	5	universities	university	NOUN
afbr-600	582	6	in	in	ADP
afbr-600	582	7	higher	high	ADJ
afbr-600	582	8	education	education	NOUN
afbr-600	582	9	of	of	ADP
afbr-600	582	10	bangladesh	bangladesh	NOUN
afbr-600	582	11	:	:	PUNCT
afbr-600	582	12	an	an	DET
afbr-600	582	13	empirical	empirical	ADJ
afbr-600	582	14	investigation	investigation	NOUN
afbr-600	582	15	.	.	PUNCT
afbr-600	583	1	international	international	ADJ
afbr-600	583	2	journal	journal	PROPN
afbr-600	583	3	of	of	ADP
afbr-600	583	4	finance	finance	NOUN
afbr-600	583	5	and	and	CCONJ
afbr-600	583	6	banking	banking	NOUN
afbr-600	583	7	research	research	NOUN
afbr-600	583	8	,	,	PUNCT
afbr-600	583	9	2(4	2(4	NUM
afbr-600	583	10	)	)	PUNCT
afbr-600	583	11	,	,	PUNCT
afbr-600	583	12	121	121	NUM
afbr-600	583	13	-	-	SYM
afbr-600	583	14	128	128	NUM
afbr-600	583	15	.	.	PUNCT
afbr-600	584	1	https://doi.org/10.11648/j.ijfbr.20160204.11	https://doi.org/10.11648/j.ijfbr.20160204.11	PROPN
afbr-600	584	2	islam	islam	PROPN
afbr-600	584	3	,	,	PUNCT
afbr-600	584	4	k.	k.	PROPN
afbr-600	584	5	a.	a.	PROPN
afbr-600	584	6	,	,	PUNCT
afbr-600	584	7	&	&	CCONJ
afbr-600	584	8	salma	salma	PROPN
afbr-600	584	9	,	,	PUNCT
afbr-600	584	10	u.	u.	PROPN
afbr-600	584	11	(	(	PUNCT
afbr-600	584	12	2016	2016	NUM
afbr-600	584	13	)	)	PUNCT
afbr-600	584	14	.	.	PUNCT
afbr-600	585	1	mobile	mobile	ADJ
afbr-600	585	2	banking	banking	NOUN
afbr-600	585	3	operations	operation	NOUN
afbr-600	585	4	and	and	CCONJ
afbr-600	585	5	banking	banking	NOUN
afbr-600	585	6	facilities	facility	NOUN
afbr-600	585	7	to	to	PART
afbr-600	585	8	rural	rural	ADJ
afbr-600	585	9	people	people	NOUN
afbr-600	585	10	in	in	ADP
afbr-600	585	11	bangladesh	bangladesh	PROPN
afbr-600	585	12	.	.	PUNCT
afbr-600	586	1	international	international	ADJ
afbr-600	586	2	journal	journal	PROPN
afbr-600	586	3	of	of	ADP
afbr-600	586	4	finance	finance	NOUN
afbr-600	586	5	and	and	CCONJ
afbr-600	586	6	banking	banking	NOUN
afbr-600	586	7	research	research	NOUN
afbr-600	586	8	,	,	PUNCT
afbr-600	586	9	2(4	2(4	NUM
afbr-600	586	10	)	)	PUNCT
afbr-600	586	11	,	,	PUNCT
afbr-600	586	12	147	147	NUM
afbr-600	586	13	.	.	PUNCT
afbr-600	587	1	https://doi.org/10.11648/j.ijfbr.20160204.14	https://doi.org/10.11648/j.ijfbr.20160204.14	PROPN
afbr-600	587	2	islam	islam	PROPN
afbr-600	587	3	,	,	PUNCT
afbr-600	587	4	k.	k.	PROPN
afbr-600	587	5	a.	a.	PROPN
afbr-600	587	6	(	(	PUNCT
afbr-600	587	7	2016	2016	NUM
afbr-600	587	8	)	)	PUNCT
afbr-600	587	9	.	.	PUNCT
afbr-600	588	1	impact	impact	NOUN
afbr-600	588	2	of	of	ADP
afbr-600	588	3	micro	micro	NOUN
afbr-600	588	4	-	-	NOUN
afbr-600	588	5	financing	financing	NOUN
afbr-600	588	6	on	on	ADP
afbr-600	588	7	women	woman	NOUN
afbr-600	588	8	empowerment	empowerment	NOUN
afbr-600	588	9	in	in	ADP
afbr-600	588	10	bangladesh	bangladesh	NOUN
afbr-600	588	11	.	.	PUNCT
afbr-600	589	1	the	the	DET
afbr-600	589	2	millennium	millennium	PROPN
afbr-600	589	3	university	university	PROPN
afbr-600	589	4	journal	journal	NOUN
afbr-600	589	5	,	,	PUNCT
afbr-600	589	6	1(1	1(1	NUM
afbr-600	589	7	)	)	PUNCT
afbr-600	589	8	,	,	PUNCT
afbr-600	589	9	1	1	NUM
afbr-600	589	10	-	-	SYM
afbr-600	589	11	18	18	NUM
afbr-600	589	12	.	.	PUNCT
afbr-600	589	13	retrieved	retrieve	VERB
afbr-600	589	14	from	from	ADP
afbr-600	589	15	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/1	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/1	NOUN
afbr-600	589	16	islam	islam	PROPN
afbr-600	589	17	,	,	PUNCT
afbr-600	589	18	k.	k.	PROPN
afbr-600	589	19	a.	a.	PROPN
afbr-600	589	20	,	,	PUNCT
afbr-600	589	21	&	&	CCONJ
afbr-600	589	22	salma	salma	PROPN
afbr-600	589	23	,	,	PUNCT
afbr-600	589	24	u.	u.	PROPN
afbr-600	589	25	(	(	PUNCT
afbr-600	589	26	2016	2016	NUM
afbr-600	589	27	)	)	PUNCT
afbr-600	589	28	.	.	PUNCT
afbr-600	590	1	the	the	DET
afbr-600	590	2	renewable	renewable	ADJ
afbr-600	590	3	energy	energy	NOUN
afbr-600	590	4	and	and	CCONJ
afbr-600	590	5	sustainable	sustainable	ADJ
afbr-600	590	6	development	development	NOUN
afbr-600	590	7	:	:	PUNCT
afbr-600	590	8	a	a	DET
afbr-600	590	9	case	case	NOUN
afbr-600	590	10	study	study	NOUN
afbr-600	590	11	of	of	ADP
afbr-600	590	12	bangladesh	bangladesh	PROPN
afbr-600	590	13	.	.	PUNCT
afbr-600	591	1	international	international	ADJ
afbr-600	591	2	journal	journal	PROPN
afbr-600	591	3	of	of	ADP
afbr-600	591	4	finance	finance	NOUN
afbr-600	591	5	and	and	CCONJ
afbr-600	591	6	banking	banking	NOUN
afbr-600	591	7	research	research	NOUN
afbr-600	591	8	,	,	PUNCT
afbr-600	591	9	2(4	2(4	NUM
afbr-600	591	10	)	)	PUNCT
afbr-600	591	11	,	,	PUNCT
afbr-600	591	12	139	139	NUM
afbr-600	591	13	-	-	SYM
afbr-600	591	14	146	146	NUM
afbr-600	591	15	.	.	PUNCT
afbr-600	592	1	https://doi.org/10.11648/j.ijfbr.20160204.13	https://doi.org/10.11648/j.ijfbr.20160204.13	PROPN
afbr-600	593	1	islam	islam	PROPN
afbr-600	593	2	,	,	PUNCT
afbr-600	593	3	k.	k.	PROPN
afbr-600	593	4	a.	a.	PROPN
afbr-600	593	5	(	(	PUNCT
afbr-600	593	6	2016	2016	NUM
afbr-600	593	7	)	)	PUNCT
afbr-600	593	8	.	.	PUNCT
afbr-600	594	1	rural	rural	ADJ
afbr-600	594	2	development	development	NOUN
afbr-600	594	3	scheme	scheme	NOUN
afbr-600	594	4	:	:	PUNCT
afbr-600	594	5	a	a	DET
afbr-600	594	6	case	case	NOUN
afbr-600	594	7	study	study	NOUN
afbr-600	594	8	on	on	ADP
afbr-600	594	9	islami	islami	PROPN
afbr-600	594	10	bank	bank	PROPN
afbr-600	594	11	bangladesh	bangladesh	PROPN
afbr-600	594	12	limited	limit	VERB
afbr-600	594	13	.	.	PUNCT
afbr-600	595	1	international	international	ADJ
afbr-600	595	2	journal	journal	PROPN
afbr-600	595	3	of	of	ADP
afbr-600	595	4	finance	finance	NOUN
afbr-600	595	5	and	and	CCONJ
afbr-600	595	6	banking	banking	NOUN
afbr-600	595	7	research	research	NOUN
afbr-600	595	8	,	,	PUNCT
afbr-600	595	9	2(4	2(4	NUM
afbr-600	595	10	)	)	PUNCT
afbr-600	595	11	,	,	PUNCT
afbr-600	595	12	129	129	NUM
afbr-600	595	13	.	.	PUNCT
afbr-600	596	1	https://doi.org/10.11648/j.ijfbr.20160204.12	https://doi.org/10.11648/j.ijfbr.20160204.12	PROPN
afbr-600	596	2	islam	islam	PROPN
afbr-600	596	3	,	,	PUNCT
afbr-600	596	4	k.	k.	PROPN
afbr-600	596	5	m.	m.	PROPN
afbr-600	596	6	a.	a.	PROPN
afbr-600	596	7	(	(	PUNCT
afbr-600	596	8	2016	2016	NUM
afbr-600	596	9	)	)	PUNCT
afbr-600	596	10	.	.	PUNCT
afbr-600	597	1	development	development	NOUN
afbr-600	597	2	of	of	ADP
afbr-600	597	3	bangladesh	bangladesh	PROPN
afbr-600	597	4	through	through	ADP
afbr-600	597	5	smes	sme	NOUN
afbr-600	597	6	financing	financing	NOUN
afbr-600	597	7	:	:	PUNCT
afbr-600	597	8	a	a	DET
afbr-600	597	9	case	case	NOUN
afbr-600	597	10	study	study	NOUN
afbr-600	597	11	on	on	ADP
afbr-600	597	12	idlc	idlc	NOUN
afbr-600	597	13	finance	finance	NOUN
afbr-600	597	14	limited	limit	VERB
afbr-600	597	15	”	"	PUNCT
afbr-600	597	16	discovery	discovery	NOUN
afbr-600	597	17	,	,	PUNCT
afbr-600	597	18	52(250	52(250	NOUN
afbr-600	597	19	)	)	PUNCT
afbr-600	597	20	,	,	PUNCT
afbr-600	597	21	2041	2041	NUM
afbr-600	597	22	-	-	SYM
afbr-600	597	23	2053	2053	NUM
afbr-600	597	24	.	.	PUNCT
afbr-600	598	1	retrieved	retrieve	VERB
afbr-600	598	2	from	from	ADP
afbr-600	598	3	http://www.discoveryjournals.org/discovery/current_issue/v52/n250/a8.pdf?#zoom=125	http://www.discoveryjournals.org/discovery/current_issue/v52/n250/a8.pdf?#zoom=125	PROPN
afbr-600	598	4	islam	islam	PROPN
afbr-600	598	5	,	,	PUNCT
afbr-600	598	6	k.	k.	PROPN
afbr-600	598	7	m.	m.	PROPN
afbr-600	598	8	a.	a.	PROPN
afbr-600	598	9	(	(	PUNCT
afbr-600	598	10	2016	2016	NUM
afbr-600	598	11	)	)	PUNCT
afbr-600	598	12	.	.	PUNCT
afbr-600	599	1	assessment	assessment	NOUN
afbr-600	599	2	of	of	ADP
afbr-600	599	3	customer	customer	NOUN
afbr-600	599	4	loyalty	loyalty	NOUN
afbr-600	599	5	:	:	PUNCT
afbr-600	599	6	a	a	DET
afbr-600	599	7	case	case	NOUN
afbr-600	599	8	study	study	NOUN
afbr-600	599	9	of	of	ADP
afbr-600	599	10	banglalink	banglalink	NOUN
afbr-600	599	11	.	.	PUNCT
afbr-600	600	1	indian	indian	ADJ
afbr-600	600	2	journal	journal	PROPN
afbr-600	600	3	of	of	ADP
afbr-600	600	4	science	science	NOUN
afbr-600	600	5	,	,	PUNCT
afbr-600	600	6	23(84),633668	23(84),633668	NOUN
afbr-600	600	7	.	.	PUNCT
afbr-600	601	1	retrieved	retrieve	VERB
afbr-600	601	2	from	from	ADP
afbr-600	601	3	https://discoveryjournals.org/science/current_issue/2016/a59.pdf	https://discoveryjournals.org/science/current_issue/2016/a59.pdf	PROPN
afbr-600	601	4	islam	islam	PROPN
afbr-600	601	5	,	,	PUNCT
afbr-600	601	6	k.	k.	PROPN
afbr-600	601	7	m.	m.	PROPN
afbr-600	601	8	a.	a.	PROPN
afbr-600	601	9	(	(	PUNCT
afbr-600	601	10	2016	2016	NUM
afbr-600	601	11	)	)	PUNCT
afbr-600	601	12	.	.	PUNCT
afbr-600	602	1	financial	financial	ADJ
afbr-600	602	2	performance	performance	NOUN
afbr-600	602	3	comparison	comparison	NOUN
afbr-600	602	4	of	of	ADP
afbr-600	602	5	top	top	ADJ
afbr-600	602	6	rated	rate	VERB
afbr-600	602	7	banking	bank	VERB
afbr-600	602	8	financial	financial	ADJ
afbr-600	602	9	institutions	institution	NOUN
afbr-600	602	10	(	(	PUNCT
afbr-600	602	11	bfis	bfis	NOUN
afbr-600	602	12	)	)	PUNCT
afbr-600	602	13	of	of	ADP
afbr-600	602	14	bangladesh	bangladesh	PROPN
afbr-600	602	15	.	.	PUNCT
afbr-600	603	1	indian	indian	PROPN
afbr-600	603	2	journal	journal	PROPN
afbr-600	603	3	of	of	ADP
afbr-600	603	4	science	science	NOUN
afbr-600	603	5	,	,	PUNCT
afbr-600	603	6	23(85),669	23(85),669	PROPN
afbr-600	603	7	-	-	PUNCT
afbr-600	603	8	697.retrieved	697.retrieve	VERB
afbr-600	603	9	from	from	ADP
afbr-600	603	10	https://discoveryjournals.org/science/current_issue/2016/a60.pdf	https://discoveryjournals.org/science/current_issue/2016/a60.pdf	PROPN
afbr-600	603	11	islam	islam	PROPN
afbr-600	603	12	,	,	PUNCT
afbr-600	603	13	k.	k.	PROPN
afbr-600	603	14	m.	m.	PROPN
afbr-600	603	15	a.	a.	PROPN
afbr-600	603	16	(	(	PUNCT
afbr-600	603	17	2016	2016	NUM
afbr-600	603	18	)	)	PUNCT
afbr-600	603	19	.	.	PUNCT
afbr-600	604	1	corporate	corporate	ADJ
afbr-600	604	2	governance	governance	NOUN
afbr-600	604	3	:	:	PUNCT
afbr-600	604	4	conjecture	conjecture	NOUN
afbr-600	604	5	and	and	CCONJ
afbr-600	604	6	modernism	modernism	NOUN
afbr-600	604	7	,	,	PUNCT
afbr-600	604	8	indian	indian	ADJ
afbr-600	604	9	journal	journal	NOUN
afbr-600	604	10	of	of	ADP
afbr-600	604	11	science,23(86	science,23(86	PROPN
afbr-600	604	12	)	)	PUNCT
afbr-600	604	13	,	,	PUNCT
afbr-600	604	14	798817.retrieved	798817.retrieve	VERB
afbr-600	604	15	from	from	ADP
afbr-600	604	16	https://discoveryjournals.org/science/current_issue/2016/a66.pdf	https://discoveryjournals.org/science/current_issue/2016/a66.pdf	PROPN
afbr-600	604	17	islam	islam	PROPN
afbr-600	604	18	,	,	PUNCT
afbr-600	604	19	k.	k.	PROPN
afbr-600	604	20	m.	m.	PROPN
afbr-600	604	21	a.	a.	PROPN
afbr-600	604	22	(	(	PUNCT
afbr-600	604	23	2016	2016	NUM
afbr-600	604	24	)	)	PUNCT
afbr-600	604	25	.	.	PUNCT
afbr-600	605	1	factors	factor	NOUN
afbr-600	605	2	influencing	influence	VERB
afbr-600	605	3	consumers	consumer	NOUN
afbr-600	605	4	purchase	purchase	VERB
afbr-600	605	5	decision	decision	NOUN
afbr-600	605	6	:	:	PUNCT
afbr-600	605	7	a	a	DET
afbr-600	605	8	case	case	NOUN
afbr-600	605	9	study	study	NOUN
afbr-600	605	10	of	of	ADP
afbr-600	605	11	pantene	pantene	PROPN
afbr-600	605	12	shampoo	shampoo	PROPN
afbr-600	605	13	.	.	PUNCT
afbr-600	606	1	indian	indian	PROPN
afbr-600	606	2	journal	journal	PROPN
afbr-600	606	3	of	of	ADP
afbr-600	606	4	science	science	NOUN
afbr-600	606	5	,	,	PUNCT
afbr-600	606	6	23(88),910	23(88),910	NOUN
afbr-600	606	7	-	-	PUNCT
afbr-600	606	8	923.retrieved	923.retrieved	NUM
afbr-600	606	9	from	from	ADP
afbr-600	606	10	https://discoveryjournals.org/science/current_issue/2016/a74.pdf	https://discoveryjournals.org/science/current_issue/2016/a74.pdf	PROPN
afbr-600	606	11	islam	islam	PROPN
afbr-600	606	12	,	,	PUNCT
afbr-600	606	13	k.	k.	PROPN
afbr-600	606	14	m.	m.	PROPN
afbr-600	606	15	a.	a.	PROPN
afbr-600	606	16	(	(	PUNCT
afbr-600	606	17	2016	2016	NUM
afbr-600	606	18	)	)	PUNCT
afbr-600	606	19	.	.	PUNCT
afbr-600	607	1	young	young	ADJ
afbr-600	607	2	leadership	leadership	NOUN
afbr-600	607	3	and	and	CCONJ
afbr-600	607	4	their	their	PRON
afbr-600	607	5	contribution	contribution	NOUN
afbr-600	607	6	to	to	PART
afbr-600	607	7	develop	develop	VERB
afbr-600	607	8	a	a	DET
afbr-600	607	9	new	new	ADJ
afbr-600	607	10	bangladesh	bangladesh	NOUN
afbr-600	607	11	:	:	PUNCT
afbr-600	607	12	a	a	DET
afbr-600	607	13	case	case	NOUN
afbr-600	607	14	study	study	NOUN
afbr-600	607	15	on	on	ADP
afbr-600	607	16	bylc	bylc	PROPN
afbr-600	607	17	.	.	PUNCT
afbr-600	608	1	indian	indian	PROPN
afbr-600	608	2	journal	journal	PROPN
afbr-600	608	3	of	of	ADP
afbr-600	608	4	science	science	NOUN
afbr-600	608	5	,	,	PUNCT
afbr-600	608	6	23(88	23(88	NOUN
afbr-600	608	7	)	)	PUNCT
afbr-600	608	8	,	,	PUNCT
afbr-600	608	9	944	944	NUM
afbr-600	608	10	-	-	SYM
afbr-600	608	11	969	969	NUM
afbr-600	608	12	.	.	PUNCT
afbr-600	609	1	retrieved	retrieve	VERB
afbr-600	609	2	from	from	ADP
afbr-600	609	3	https://discoveryjournals.org/science/current_issue/2016/a76.pdf	https://discoveryjournals.org/science/current_issue/2016/a76.pdf	PROPN
afbr-600	609	4	islam	islam	PROPN
afbr-600	609	5	,	,	PUNCT
afbr-600	609	6	k.	k.	PROPN
afbr-600	609	7	m.	m.	PROPN
afbr-600	609	8	a.	a.	PROPN
afbr-600	609	9	(	(	PUNCT
afbr-600	609	10	2016	2016	NUM
afbr-600	609	11	)	)	PUNCT
afbr-600	609	12	.	.	PUNCT
afbr-600	610	1	e	e	X
afbr-600	610	2	-	-	NOUN
afbr-600	610	3	commerce	commerce	NOUN
afbr-600	610	4	:	:	PUNCT
afbr-600	610	5	concept	concept	NOUN
afbr-600	610	6	and	and	CCONJ
afbr-600	610	7	evolution	evolution	NOUN
afbr-600	610	8	.	.	PUNCT
afbr-600	611	1	indian	indian	ADJ
afbr-600	611	2	journal	journal	PROPN
afbr-600	611	3	of	of	ADP
afbr-600	611	4	science	science	NOUN
afbr-600	611	5	,	,	PUNCT
afbr-600	611	6	23(88	23(88	NOUN
afbr-600	611	7	)	)	PUNCT
afbr-600	611	8	,	,	PUNCT
afbr-600	611	9	976-983.retrieved	976-983.retrieved	NUM
afbr-600	611	10	from	from	ADP
afbr-600	611	11	https://discoveryjournals.org/science/current_issue/2016/a78.pdf	https://discoveryjournals.org/science/current_issue/2016/a78.pdf	PROPN
afbr-600	611	12	islam	islam	PROPN
afbr-600	611	13	,	,	PUNCT
afbr-600	611	14	k.	k.	PROPN
afbr-600	611	15	m.	m.	PROPN
afbr-600	611	16	a.	a.	PROPN
afbr-600	611	17	(	(	PUNCT
afbr-600	611	18	2016	2016	NUM
afbr-600	611	19	)	)	PUNCT
afbr-600	611	20	.	.	PUNCT
afbr-600	612	1	history	history	NOUN
afbr-600	612	2	and	and	CCONJ
afbr-600	612	3	role	role	NOUN
afbr-600	612	4	of	of	ADP
afbr-600	612	5	islamic	islamic	ADJ
afbr-600	612	6	finance	finance	NOUN
afbr-600	612	7	.	.	PUNCT
afbr-600	613	1	discovery	discovery	NOUN
afbr-600	613	2	,	,	PUNCT
afbr-600	613	3	52(252	52(252	NOUN
afbr-600	613	4	)	)	PUNCT
afbr-600	613	5	,	,	PUNCT
afbr-600	613	6	2410-2418.retrieved	2410-2418.retrieve	VERB
afbr-600	613	7	from	from	ADP
afbr-600	613	8	https://discoveryjournals.org/discovery/current_issue/v52/n252/a8.pdf?#zoom=125	https://discoveryjournals.org/discovery/current_issue/v52/n252/a8.pdf?#zoom=125	PROPN
afbr-600	613	9	islam	islam	PROPN
afbr-600	613	10	,	,	PUNCT
afbr-600	613	11	k.	k.	PROPN
afbr-600	613	12	m.	m.	PROPN
afbr-600	613	13	a.	a.	PROPN
afbr-600	613	14	,	,	PUNCT
afbr-600	613	15	&	&	CCONJ
afbr-600	613	16	barghouthi	barghouthi	VERB
afbr-600	613	17	,	,	PUNCT
afbr-600	613	18	o.	o.	NOUN
afbr-600	613	19	(	(	PUNCT
afbr-600	613	20	2017	2017	NUM
afbr-600	613	21	)	)	PUNCT
afbr-600	613	22	.	.	PUNCT
afbr-600	614	1	human	human	ADJ
afbr-600	614	2	resource	resource	NOUN
afbr-600	614	3	management	management	NOUN
afbr-600	614	4	:	:	PUNCT
afbr-600	614	5	an	an	DET
afbr-600	614	6	islamic	islamic	ADJ
afbr-600	614	7	perspective	perspective	NOUN
afbr-600	614	8	.	.	PUNCT
afbr-600	615	1	international	international	ADJ
afbr-600	615	2	journal	journal	PROPN
afbr-600	615	3	of	of	ADP
afbr-600	615	4	islamic	islamic	PROPN
afbr-600	615	5	business	business	PROPN
afbr-600	615	6	&	&	CCONJ
afbr-600	615	7	management	management	PROPN
afbr-600	615	8	,	,	PUNCT
afbr-600	615	9	1(1	1(1	NUM
afbr-600	615	10	)	)	PUNCT
afbr-600	615	11	,	,	PUNCT
afbr-600	615	12	10	10	NUM
afbr-600	615	13	-	-	SYM
afbr-600	615	14	13	13	NUM
afbr-600	615	15	.	.	PUNCT
afbr-600	616	1	https://doi.org/10.46281/ijibm.v1i1.46	https://doi.org/10.46281/ijibm.v1i1.46	PROPN
afbr-600	616	2	islam	islam	PROPN
afbr-600	616	3	,	,	PUNCT
afbr-600	616	4	k.	k.	PROPN
afbr-600	616	5	m.	m.	PROPN
afbr-600	616	6	a.	a.	PROPN
afbr-600	616	7	,	,	PUNCT
afbr-600	616	8	&	&	CCONJ
afbr-600	616	9	barghouthi	barghouthi	VERB
afbr-600	616	10	,	,	PUNCT
afbr-600	616	11	o.	o.	NOUN
afbr-600	616	12	a.	a.	NOUN
afbr-600	616	13	(	(	PUNCT
afbr-600	616	14	2017	2017	NUM
afbr-600	616	15	)	)	PUNCT
afbr-600	616	16	.	.	PUNCT
afbr-600	617	1	corporate	corporate	ADJ
afbr-600	617	2	governance	governance	NOUN
afbr-600	617	3	:	:	PUNCT
afbr-600	617	4	an	an	DET
afbr-600	617	5	islamic	islamic	ADJ
afbr-600	617	6	institution	institution	NOUN
afbr-600	617	7	perspective	perspective	NOUN
afbr-600	617	8	.	.	PUNCT
afbr-600	618	1	international	international	ADJ
afbr-600	618	2	journal	journal	PROPN
afbr-600	618	3	of	of	ADP
afbr-600	618	4	islamic	islamic	PROPN
afbr-600	618	5	banking	banking	PROPN
afbr-600	618	6	and	and	CCONJ
afbr-600	618	7	finance	finance	NOUN
afbr-600	618	8	research	research	NOUN
afbr-600	618	9	,	,	PUNCT
afbr-600	618	10	1(1	1(1	NUM
afbr-600	618	11	)	)	PUNCT
afbr-600	618	12	,	,	PUNCT
afbr-600	618	13	29	29	NUM
afbr-600	618	14	-	-	SYM
afbr-600	618	15	32	32	NUM
afbr-600	618	16	.	.	PUNCT
afbr-600	619	1	https://doi.org/10.46281/ijibfr.v1i1.36	https://doi.org/10.46281/ijibfr.v1i1.36	PROPN
afbr-600	619	2	islam	islam	PROPN
afbr-600	619	3	,	,	PUNCT
afbr-600	619	4	k.	k.	PROPN
afbr-600	619	5	a.	a.	PROPN
afbr-600	619	6	(	(	PUNCT
afbr-600	619	7	2017	2017	NUM
afbr-600	619	8	)	)	PUNCT
afbr-600	619	9	.	.	PUNCT
afbr-600	620	1	an	an	DET
afbr-600	620	2	empirical	empirical	ADJ
afbr-600	620	3	research	research	NOUN
afbr-600	620	4	on	on	ADP
afbr-600	620	5	beximco	beximco	PROPN
afbr-600	620	6	knitting	knitting	PROPN
afbr-600	620	7	ltd	ltd	PROPN
afbr-600	620	8	:	:	PUNCT
afbr-600	620	9	ratio	ratio	NOUN
afbr-600	620	10	,	,	PUNCT
afbr-600	620	11	dupont	dupont	NOUN
afbr-600	620	12	,	,	PUNCT
afbr-600	620	13	valuation	valuation	NOUN
afbr-600	620	14	and	and	CCONJ
afbr-600	620	15	pro	pro	ADJ
afbr-600	620	16	-	-	ADJ
afbr-600	620	17	forma	forma	ADJ
afbr-600	620	18	analysis	analysis	NOUN
afbr-600	620	19	.	.	PUNCT
afbr-600	621	1	indian	indian	ADJ
afbr-600	621	2	journal	journal	PROPN
afbr-600	621	3	of	of	ADP
afbr-600	621	4	finance	finance	NOUN
afbr-600	621	5	and	and	CCONJ
afbr-600	621	6	banking	banking	NOUN
afbr-600	621	7	,	,	PUNCT
afbr-600	621	8	1(1	1(1	NUM
afbr-600	621	9	)	)	PUNCT
afbr-600	621	10	,	,	PUNCT
afbr-600	621	11	1	1	NUM
afbr-600	621	12	-	-	SYM
afbr-600	621	13	7	7	NUM
afbr-600	621	14	.	.	PUNCT
afbr-600	622	1	https://doi.org/10.46281/ijfb.v1i1.80	https://doi.org/10.46281/ijfb.v1i1.80	PROPN
afbr-600	622	2	islam	islam	PROPN
afbr-600	622	3	,	,	PUNCT
afbr-600	622	4	k.	k.	PROPN
afbr-600	622	5	m.	m.	PROPN
afbr-600	622	6	a.	a.	PROPN
afbr-600	622	7	(	(	PUNCT
afbr-600	622	8	2017	2017	NUM
afbr-600	622	9	)	)	PUNCT
afbr-600	622	10	.	.	PUNCT
afbr-600	623	1	finance	finance	NOUN
afbr-600	623	2	:	:	PUNCT
afbr-600	623	3	an	an	DET
afbr-600	623	4	islamic	islamic	ADJ
afbr-600	623	5	perspective	perspective	NOUN
afbr-600	623	6	.	.	PUNCT
afbr-600	624	1	international	international	ADJ
afbr-600	624	2	journal	journal	PROPN
afbr-600	624	3	of	of	ADP
afbr-600	624	4	islamic	islamic	PROPN
afbr-600	624	5	banking	banking	PROPN
afbr-600	624	6	and	and	CCONJ
afbr-600	624	7	finance	finance	NOUN
afbr-600	624	8	research	research	NOUN
afbr-600	624	9	,	,	PUNCT
afbr-600	624	10	1(1	1(1	NUM
afbr-600	624	11	)	)	PUNCT
afbr-600	624	12	,	,	PUNCT
afbr-600	624	13	1	1	NUM
afbr-600	624	14	-	-	SYM
afbr-600	624	15	5	5	NUM
afbr-600	624	16	.	.	PUNCT
afbr-600	624	17	https://doi.org/10.46281/ijibfr.v1i1.32	https://doi.org/10.46281/ijibfr.v1i1.32	PROPN
afbr-600	625	1	islam	islam	PROPN
afbr-600	625	2	,	,	PUNCT
afbr-600	625	3	k.	k.	PROPN
afbr-600	625	4	m.	m.	PROPN
afbr-600	625	5	a.	a.	PROPN
afbr-600	625	6	,	,	PUNCT
afbr-600	625	7	&	&	CCONJ
afbr-600	625	8	barghouthi	barghouthi	VERB
afbr-600	625	9	,	,	PUNCT
afbr-600	625	10	o.	o.	NOUN
afbr-600	625	11	a.	a.	NOUN
afbr-600	625	12	(	(	PUNCT
afbr-600	625	13	2017	2017	NUM
afbr-600	625	14	)	)	PUNCT
afbr-600	625	15	.	.	PUNCT
afbr-600	626	1	an	an	DET
afbr-600	626	2	islamic	islamic	ADJ
afbr-600	626	3	perspective	perspective	NOUN
afbr-600	626	4	of	of	ADP
afbr-600	626	5	marketing	marketing	NOUN
afbr-600	626	6	.	.	PUNCT
afbr-600	627	1	international	international	ADJ
afbr-600	627	2	journal	journal	PROPN
afbr-600	627	3	of	of	ADP
afbr-600	627	4	islamic	islamic	PROPN
afbr-600	627	5	business	business	PROPN
afbr-600	627	6	&	&	CCONJ
afbr-600	627	7	management	management	PROPN
afbr-600	627	8	,	,	PUNCT
afbr-600	627	9	1(1	1(1	NUM
afbr-600	627	10	)	)	PUNCT
afbr-600	627	11	,	,	PUNCT
afbr-600	627	12	17	17	NUM
afbr-600	627	13	-	-	SYM
afbr-600	627	14	19	19	NUM
afbr-600	627	15	.	.	PUNCT
afbr-600	628	1	https://doi.org/10.46281/ijibm.v1i1.48	https://doi.org/10.46281/ijibm.v1i1.48	PROPN
afbr-600	628	2	copyright	copyright	NOUN
afbr-600	628	3	©	©	PROPN
afbr-600	628	4	cc	cc	PROPN
afbr-600	628	5	-	-	PUNCT
afbr-600	628	6	by	by	ADP
afbr-600	628	7	-	-	PUNCT
afbr-600	628	8	nc	nc	PROPN
afbr-600	628	9	2019	2019	NUM
afbr-600	628	10	,	,	PUNCT
afbr-600	628	11	cribfb	cribfb	PROPN
afbr-600	628	12	|	|	ADV
afbr-600	628	13	afbr	afbr	PROPN
afbr-600	628	14	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	628	15	australian	australian	ADJ
afbr-600	628	16	finance	finance	PROPN
afbr-600	628	17	&	&	CCONJ
afbr-600	628	18	banking	banking	PROPN
afbr-600	628	19	review	review	PROPN
afbr-600	628	20	vol	vol	NOUN
afbr-600	628	21	.	.	PROPN
afbr-600	628	22	4	4	NUM
afbr-600	628	23	,	,	PUNCT
afbr-600	628	24	no	no	INTJ
afbr-600	628	25	.	.	NOUN
afbr-600	628	26	1	1	NUM
afbr-600	628	27	;	;	PUNCT
afbr-600	628	28	2020	2020	NUM
afbr-600	628	29	35	35	NUM
afbr-600	628	30	islam	islam	PROPN
afbr-600	628	31	,	,	PUNCT
afbr-600	628	32	k.	k.	PROPN
afbr-600	628	33	m.	m.	PROPN
afbr-600	628	34	a.	a.	PROPN
afbr-600	628	35	,	,	PUNCT
afbr-600	628	36	&	&	CCONJ
afbr-600	628	37	karim	karim	PROPN
afbr-600	628	38	miajee	miajee	PROPN
afbr-600	628	39	,	,	PUNCT
afbr-600	628	40	m.	m.	PROPN
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afbr-600	628	42	(	(	PUNCT
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afbr-600	628	44	)	)	PUNCT
afbr-600	628	45	.	.	PUNCT
afbr-600	629	1	an	an	DET
afbr-600	629	2	islamic	islamic	ADJ
afbr-600	629	3	perspective	perspective	NOUN
afbr-600	629	4	of	of	ADP
afbr-600	629	5	leadership	leadership	NOUN
afbr-600	629	6	.	.	PUNCT
afbr-600	630	1	international	international	ADJ
afbr-600	630	2	journal	journal	PROPN
afbr-600	630	3	of	of	ADP
afbr-600	630	4	islamic	islamic	PROPN
afbr-600	630	5	business	business	PROPN
afbr-600	630	6	&	&	CCONJ
afbr-600	630	7	management	management	PROPN
afbr-600	630	8	,	,	PUNCT
afbr-600	630	9	1(1	1(1	NUM
afbr-600	630	10	)	)	PUNCT
afbr-600	630	11	,	,	PUNCT
afbr-600	630	12	14	14	NUM
afbr-600	630	13	-	-	SYM
afbr-600	630	14	16	16	NUM
afbr-600	630	15	.	.	PUNCT
afbr-600	631	1	https://doi.org/10.46281/ijibm.v1i1.47	https://doi.org/10.46281/ijibm.v1i1.47	PROPN
afbr-600	631	2	islam	islam	PROPN
afbr-600	631	3	,	,	PUNCT
afbr-600	631	4	k.	k.	PROPN
afbr-600	631	5	m.	m.	PROPN
afbr-600	631	6	a.	a.	PROPN
afbr-600	631	7	,	,	PUNCT
afbr-600	631	8	&	&	CCONJ
afbr-600	631	9	barghouthi	barghouthi	VERB
afbr-600	631	10	,	,	PUNCT
afbr-600	631	11	o.	o.	NOUN
afbr-600	631	12	a.	a.	NOUN
afbr-600	631	13	(	(	PUNCT
afbr-600	631	14	2017	2017	NUM
afbr-600	631	15	)	)	PUNCT
afbr-600	631	16	.	.	PUNCT
afbr-600	632	1	an	an	DET
afbr-600	632	2	islamic	islamic	ADJ
afbr-600	632	3	perspective	perspective	NOUN
afbr-600	632	4	of	of	ADP
afbr-600	632	5	marketing	marketing	NOUN
afbr-600	632	6	.	.	PUNCT
afbr-600	633	1	international	international	ADJ
afbr-600	633	2	journal	journal	PROPN
afbr-600	633	3	of	of	ADP
afbr-600	633	4	islamic	islamic	PROPN
afbr-600	633	5	business	business	PROPN
afbr-600	633	6	&	&	CCONJ
afbr-600	633	7	management	management	PROPN
afbr-600	633	8	,	,	PUNCT
afbr-600	633	9	1(1	1(1	NUM
afbr-600	633	10	)	)	PUNCT
afbr-600	633	11	,	,	PUNCT
afbr-600	633	12	17	17	NUM
afbr-600	633	13	-	-	SYM
afbr-600	633	14	19	19	NUM
afbr-600	633	15	.	.	PUNCT
afbr-600	634	1	https://doi.org/10.46281/ijibm.v1i1.48	https://doi.org/10.46281/ijibm.v1i1.48	PROPN
afbr-600	635	1	islam	islam	PROPN
afbr-600	635	2	,	,	PUNCT
afbr-600	635	3	k.	k.	PROPN
afbr-600	635	4	m.	m.	PROPN
afbr-600	635	5	a.	a.	PROPN
afbr-600	635	6	,	,	PUNCT
afbr-600	635	7	&	&	CCONJ
afbr-600	635	8	karim	karim	PROPN
afbr-600	635	9	miajee	miajee	PROPN
afbr-600	635	10	,	,	PUNCT
afbr-600	635	11	m.	m.	PROPN
afbr-600	635	12	r.	r.	PROPN
afbr-600	635	13	(	(	PUNCT
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afbr-600	635	15	)	)	PUNCT
afbr-600	635	16	.	.	PUNCT
afbr-600	636	1	business	business	NOUN
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afbr-600	636	3	:	:	PUNCT
afbr-600	636	4	an	an	DET
afbr-600	636	5	islamic	islamic	ADJ
afbr-600	636	6	perspective	perspective	NOUN
afbr-600	636	7	.	.	PUNCT
afbr-600	637	1	international	international	ADJ
afbr-600	637	2	journal	journal	PROPN
afbr-600	637	3	of	of	ADP
afbr-600	637	4	islamic	islamic	PROPN
afbr-600	637	5	business	business	PROPN
afbr-600	637	6	&	&	CCONJ
afbr-600	637	7	management	management	PROPN
afbr-600	637	8	,	,	PUNCT
afbr-600	637	9	1(1	1(1	NUM
afbr-600	637	10	)	)	PUNCT
afbr-600	637	11	,	,	PUNCT
afbr-600	637	12	7	7	NUM
afbr-600	637	13	-	-	SYM
afbr-600	637	14	9	9	NUM
afbr-600	637	15	.	.	PUNCT
afbr-600	638	1	https://doi.org/10.46281/ijibm.v1i1.45	https://doi.org/10.46281/ijibm.v1i1.45	PROPN
afbr-600	638	2	islam	islam	PROPN
afbr-600	638	3	,	,	PUNCT
afbr-600	638	4	k.	k.	PROPN
afbr-600	638	5	m.	m.	PROPN
afbr-600	638	6	a.	a.	PROPN
afbr-600	638	7	,	,	PUNCT
afbr-600	638	8	&	&	CCONJ
afbr-600	638	9	barghouthi	barghouthi	VERB
afbr-600	638	10	,	,	PUNCT
afbr-600	638	11	o.	o.	NOUN
afbr-600	638	12	a.	a.	NOUN
afbr-600	638	13	(	(	PUNCT
afbr-600	638	14	2017	2017	NUM
afbr-600	638	15	)	)	PUNCT
afbr-600	638	16	.	.	PUNCT
afbr-600	639	1	risk	risk	NOUN
afbr-600	639	2	management	management	NOUN
afbr-600	639	3	of	of	ADP
afbr-600	639	4	islamic	islamic	ADJ
afbr-600	639	5	banking	banking	NOUN
afbr-600	639	6	:	:	PUNCT
afbr-600	639	7	an	an	DET
afbr-600	639	8	islamic	islamic	ADJ
afbr-600	639	9	perspective	perspective	NOUN
afbr-600	639	10	.	.	PUNCT
afbr-600	640	1	international	international	ADJ
afbr-600	640	2	journal	journal	PROPN
afbr-600	640	3	of	of	ADP
afbr-600	640	4	islamic	islamic	PROPN
afbr-600	640	5	banking	banking	PROPN
afbr-600	640	6	and	and	CCONJ
afbr-600	640	7	finance	finance	NOUN
afbr-600	640	8	research	research	NOUN
afbr-600	640	9	,	,	PUNCT
afbr-600	640	10	1(1	1(1	NUM
afbr-600	640	11	)	)	PUNCT
afbr-600	640	12	,	,	PUNCT
afbr-600	640	13	25	25	NUM
afbr-600	640	14	-	-	SYM
afbr-600	640	15	28	28	NUM
afbr-600	640	16	.	.	PUNCT
afbr-600	641	1	https://doi.org/10.46281/ijibfr.v1i1.35	https://doi.org/10.46281/ijibfr.v1i1.35	PROPN
afbr-600	641	2	islam	islam	PROPN
afbr-600	641	3	,	,	PUNCT
afbr-600	641	4	k.	k.	PROPN
afbr-600	641	5	a.	a.	PROPN
afbr-600	641	6	(	(	PUNCT
afbr-600	641	7	2017	2017	NUM
afbr-600	641	8	)	)	PUNCT
afbr-600	641	9	.	.	PUNCT
afbr-600	642	1	an	an	DET
afbr-600	642	2	empirical	empirical	ADJ
afbr-600	642	3	research	research	NOUN
afbr-600	642	4	on	on	ADP
afbr-600	642	5	fu	fu	PROPN
afbr-600	642	6	-	-	PUNCT
afbr-600	642	7	wang	wang	PROPN
afbr-600	642	8	foods	foods	PROPN
afbr-600	642	9	ltd	ltd	PROPN
afbr-600	642	10	:	:	PUNCT
afbr-600	642	11	industry	industry	NOUN
afbr-600	642	12	,	,	PUNCT
afbr-600	642	13	strategy	strategy	NOUN
afbr-600	642	14	,	,	PUNCT
afbr-600	642	15	accounting	accounting	NOUN
afbr-600	642	16	,	,	PUNCT
afbr-600	642	17	ratio	ratio	NOUN
afbr-600	642	18	,	,	PUNCT
afbr-600	642	19	valuation	valuation	NOUN
afbr-600	642	20	and	and	CCONJ
afbr-600	642	21	proforma	proforma	NOUN
afbr-600	642	22	analysis	analysis	NOUN
afbr-600	642	23	.	.	PUNCT
afbr-600	643	1	american	american	PROPN
afbr-600	643	2	finance	finance	PROPN
afbr-600	643	3	&	&	CCONJ
afbr-600	643	4	banking	banking	PROPN
afbr-600	643	5	review	review	PROPN
afbr-600	643	6	,	,	PUNCT
afbr-600	643	7	1(1	1(1	NUM
afbr-600	643	8	)	)	PUNCT
afbr-600	643	9	,	,	PUNCT
afbr-600	643	10	1	1	NUM
afbr-600	643	11	-	-	SYM
afbr-600	643	12	11	11	NUM
afbr-600	643	13	.	.	PUNCT
afbr-600	644	1	https://doi.org/10.46281/amfbr.v1i1.79	https://doi.org/10.46281/amfbr.v1i1.79	PROPN
afbr-600	644	2	islam	islam	PROPN
afbr-600	644	3	,	,	PUNCT
afbr-600	644	4	k.	k.	PROPN
afbr-600	644	5	m.	m.	PROPN
afbr-600	644	6	a.	a.	PROPN
afbr-600	644	7	(	(	PUNCT
afbr-600	644	8	2017	2017	NUM
afbr-600	644	9	)	)	PUNCT
afbr-600	644	10	.	.	PUNCT
afbr-600	645	1	performance	performance	NOUN
afbr-600	645	2	of	of	ADP
afbr-600	645	3	foreign	foreign	ADJ
afbr-600	645	4	exchange	exchange	NOUN
afbr-600	645	5	operation	operation	NOUN
afbr-600	645	6	of	of	ADP
afbr-600	645	7	private	private	ADJ
afbr-600	645	8	commercial	commercial	ADJ
afbr-600	645	9	bank	bank	NOUN
afbr-600	645	10	:	:	PUNCT
afbr-600	645	11	a	a	DET
afbr-600	645	12	case	case	NOUN
afbr-600	645	13	on	on	ADP
afbr-600	645	14	southeast	southeast	PROPN
afbr-600	645	15	bank	bank	PROPN
afbr-600	645	16	limited	limit	VERB
afbr-600	645	17	,	,	PUNCT
afbr-600	645	18	discovery	discovery	NOUN
afbr-600	645	19	,	,	PUNCT
afbr-600	645	20	53(254	53(254	PROPN
afbr-600	645	21	)	)	PUNCT
afbr-600	645	22	,	,	PUNCT
afbr-600	645	23	170-176.retrieved	170-176.retrieved	NUM
afbr-600	645	24	from	from	ADP
afbr-600	645	25	https://discoveryjournals.org/discovery/current_issue/v53/n254/a7.pdf?#zoom=125	https://discoveryjournals.org/discovery/current_issue/v53/n254/a7.pdf?#zoom=125	PROPN
afbr-600	645	26	islam	islam	PROPN
afbr-600	645	27	,	,	PUNCT
afbr-600	645	28	k.	k.	PROPN
afbr-600	645	29	m.	m.	PROPN
afbr-600	645	30	a.	a.	PROPN
afbr-600	645	31	(	(	PUNCT
afbr-600	645	32	2017	2017	NUM
afbr-600	645	33	)	)	PUNCT
afbr-600	645	34	.	.	PUNCT
afbr-600	646	1	predicament	predicament	NOUN
afbr-600	646	2	and	and	CCONJ
afbr-600	646	3	thought	think	VERB
afbr-600	646	4	of	of	ADP
afbr-600	646	5	smes	sme	NOUN
afbr-600	646	6	financing	financing	NOUN
afbr-600	646	7	in	in	ADP
afbr-600	646	8	bangladesh	bangladesh	NOUN
afbr-600	646	9	:	:	PUNCT
afbr-600	646	10	an	an	DET
afbr-600	646	11	exploratory	exploratory	ADJ
afbr-600	646	12	research	research	NOUN
afbr-600	646	13	.	.	PUNCT
afbr-600	647	1	indian	indian	ADJ
afbr-600	647	2	journal	journal	PROPN
afbr-600	647	3	of	of	ADP
afbr-600	647	4	arts	art	NOUN
afbr-600	647	5	,	,	PUNCT
afbr-600	647	6	7(22	7(22	NUM
afbr-600	647	7	)	)	PUNCT
afbr-600	647	8	,	,	PUNCT
afbr-600	647	9	146-151.retrieved	146-151.retrieved	NUM
afbr-600	647	10	from	from	ADP
afbr-600	647	11	https://discoveryjournals.org/arts/current_issue/2017/a17.pdf	https://discoveryjournals.org/arts/current_issue/2017/a17.pdf	PROPN
afbr-600	647	12	islam	islam	PROPN
afbr-600	647	13	,	,	PUNCT
afbr-600	647	14	k.	k.	PROPN
afbr-600	647	15	m.	m.	PROPN
afbr-600	647	16	a.	a.	PROPN
afbr-600	647	17	(	(	PUNCT
afbr-600	647	18	2017	2017	NUM
afbr-600	647	19	)	)	PUNCT
afbr-600	647	20	.	.	PUNCT
afbr-600	648	1	financial	financial	ADJ
afbr-600	648	2	statement	statement	NOUN
afbr-600	648	3	analysis	analysis	NOUN
afbr-600	648	4	of	of	ADP
afbr-600	648	5	beximco	beximco	ADJ
afbr-600	648	6	synthetics	synthetic	NOUN
afbr-600	648	7	limited	limited	ADJ
afbr-600	648	8	.	.	PUNCT
afbr-600	649	1	indian	indian	ADJ
afbr-600	649	2	journal	journal	PROPN
afbr-600	649	3	of	of	ADP
afbr-600	649	4	arts	art	NOUN
afbr-600	649	5	,	,	PUNCT
afbr-600	649	6	7(23	7(23	NOUN
afbr-600	649	7	)	)	PUNCT
afbr-600	649	8	,	,	PUNCT
afbr-600	649	9	159	159	NUM
afbr-600	649	10	-	-	SYM
afbr-600	649	11	166	166	NUM
afbr-600	649	12	.	.	PUNCT
afbr-600	649	13	retrieved	retrieve	VERB
afbr-600	649	14	from	from	ADP
afbr-600	649	15	https://discoveryjournals.org/arts/current_issue/2017/a19.pdf	https://discoveryjournals.org/arts/current_issue/2017/a19.pdf	PROPN
afbr-600	649	16	islam	islam	PROPN
afbr-600	649	17	,	,	PUNCT
afbr-600	649	18	k.	k.	PROPN
afbr-600	649	19	m.	m.	PROPN
afbr-600	649	20	a.	a.	PROPN
afbr-600	649	21	(	(	PUNCT
afbr-600	649	22	2017	2017	NUM
afbr-600	649	23	)	)	PUNCT
afbr-600	649	24	.	.	PUNCT
afbr-600	650	1	an	an	DET
afbr-600	650	2	empirical	empirical	ADJ
afbr-600	650	3	research	research	NOUN
afbr-600	650	4	on	on	ADP
afbr-600	650	5	shinepukur	shinepukur	PROPN
afbr-600	650	6	holdings	holdings	PROPN
afbr-600	650	7	ltd	ltd	PROPN
afbr-600	650	8	:	:	PUNCT
afbr-600	650	9	strategy	strategy	NOUN
afbr-600	650	10	,	,	PUNCT
afbr-600	650	11	accounting	accounting	NOUN
afbr-600	650	12	,	,	PUNCT
afbr-600	650	13	ratio	ratio	NOUN
afbr-600	650	14	,	,	PUNCT
afbr-600	650	15	sensitivity	sensitivity	NOUN
afbr-600	650	16	and	and	CCONJ
afbr-600	650	17	prospective	prospective	ADJ
afbr-600	650	18	analysis	analysis	NOUN
afbr-600	650	19	.	.	PUNCT
afbr-600	651	1	indian	indian	ADJ
afbr-600	651	2	journal	journal	PROPN
afbr-600	651	3	of	of	ADP
afbr-600	651	4	arts	art	NOUN
afbr-600	651	5	,	,	PUNCT
afbr-600	651	6	7(23	7(23	NOUN
afbr-600	651	7	)	)	PUNCT
afbr-600	651	8	,	,	PUNCT
afbr-600	651	9	167-174.retrieved	167-174.retrieved	NUM
afbr-600	651	10	from	from	ADP
afbr-600	651	11	https://discoveryjournals.org/arts/current_issue/2017/a20.pdf	https://discoveryjournals.org/arts/current_issue/2017/a20.pdf	PROPN
afbr-600	651	12	islam	islam	PROPN
afbr-600	651	13	,	,	PUNCT
afbr-600	651	14	k.	k.	PROPN
afbr-600	651	15	m.	m.	PROPN
afbr-600	651	16	a.	a.	PROPN
afbr-600	651	17	(	(	PUNCT
afbr-600	651	18	2017	2017	NUM
afbr-600	651	19	)	)	PUNCT
afbr-600	651	20	.	.	PUNCT
afbr-600	652	1	the	the	DET
afbr-600	652	2	regulatory	regulatory	ADJ
afbr-600	652	3	framework	framework	NOUN
afbr-600	652	4	of	of	ADP
afbr-600	652	5	e	e	NOUN
afbr-600	652	6	-	-	NOUN
afbr-600	652	7	commerce	commerce	NOUN
afbr-600	652	8	.	.	PUNCT
afbr-600	653	1	indian	indian	PROPN
afbr-600	653	2	journal	journal	PROPN
afbr-600	653	3	of	of	ADP
afbr-600	653	4	science	science	NOUN
afbr-600	653	5	,	,	PUNCT
afbr-600	653	6	24(90	24(90	NUM
afbr-600	653	7	)	)	PUNCT
afbr-600	653	8	,	,	PUNCT
afbr-600	653	9	63	63	NUM
afbr-600	653	10	-	-	SYM
afbr-600	653	11	73	73	NUM
afbr-600	653	12	.	.	PUNCT
afbr-600	654	1	retrieved	retrieve	VERB
afbr-600	654	2	from	from	ADP
afbr-600	654	3	https://discoveryjournals.org/science/current_issue/2017/a10.pdf	https://discoveryjournals.org/science/current_issue/2017/a10.pdf	PROPN
afbr-600	654	4	islam	islam	PROPN
afbr-600	654	5	,	,	PUNCT
afbr-600	654	6	k.	k.	PROPN
afbr-600	654	7	m.	m.	PROPN
afbr-600	654	8	a.	a.	PROPN
afbr-600	654	9	(	(	PUNCT
afbr-600	654	10	2017	2017	NUM
afbr-600	654	11	)	)	PUNCT
afbr-600	654	12	.	.	PUNCT
afbr-600	655	1	smes	sme	NOUN
afbr-600	655	2	financing	financing	NOUN
afbr-600	655	3	in	in	ADP
afbr-600	655	4	bangladesh	bangladesh	NOUN
afbr-600	655	5	:	:	PUNCT
afbr-600	655	6	a	a	DET
afbr-600	655	7	case	case	NOUN
afbr-600	655	8	study	study	NOUN
afbr-600	655	9	of	of	ADP
afbr-600	655	10	al	al	PROPN
afbr-600	655	11	-	-	PUNCT
afbr-600	655	12	arafah	arafah	PROPN
afbr-600	655	13	islami	islami	PROPN
afbr-600	655	14	bank	bank	PROPN
afbr-600	655	15	limited	limit	VERB
afbr-600	655	16	.	.	PUNCT
afbr-600	656	1	indian	indian	PROPN
afbr-600	656	2	journal	journal	PROPN
afbr-600	656	3	of	of	ADP
afbr-600	656	4	science	science	NOUN
afbr-600	656	5	,	,	PUNCT
afbr-600	656	6	24(91	24(91	PROPN
afbr-600	656	7	)	)	PUNCT
afbr-600	656	8	,	,	PUNCT
afbr-600	656	9	134-146.retrieved	134-146.retrieved	NUM
afbr-600	656	10	from	from	ADP
afbr-600	656	11	https://discoveryjournals.org/science/current_issue/2017/a16.pdf	https://discoveryjournals.org/science/current_issue/2017/a16.pdf	PROPN
afbr-600	656	12	islam	islam	PROPN
afbr-600	656	13	,	,	PUNCT
afbr-600	656	14	k.	k.	PROPN
afbr-600	656	15	m.	m.	PROPN
afbr-600	656	16	a.	a.	PROPN
afbr-600	656	17	(	(	PUNCT
afbr-600	656	18	2017	2017	NUM
afbr-600	656	19	)	)	PUNCT
afbr-600	656	20	.	.	PUNCT
afbr-600	657	1	functions	function	NOUN
afbr-600	657	2	and	and	CCONJ
afbr-600	657	3	performance	performance	NOUN
afbr-600	657	4	evaluation	evaluation	NOUN
afbr-600	657	5	of	of	ADP
afbr-600	657	6	investment	investment	NOUN
afbr-600	657	7	corporation	corporation	NOUN
afbr-600	657	8	of	of	ADP
afbr-600	657	9	bangladesh	bangladesh	PROPN
afbr-600	657	10	(	(	PUNCT
afbr-600	657	11	icb	icb	PROPN
afbr-600	657	12	):	):	PUNCT
afbr-600	657	13	an	an	DET
afbr-600	657	14	empirical	empirical	ADJ
afbr-600	657	15	research	research	NOUN
afbr-600	657	16	.	.	PUNCT
afbr-600	658	1	indian	indian	ADJ
afbr-600	658	2	journal	journal	PROPN
afbr-600	658	3	of	of	ADP
afbr-600	658	4	science	science	NOUN
afbr-600	658	5	,	,	PUNCT
afbr-600	658	6	24(92	24(92	NUM
afbr-600	658	7	)	)	PUNCT
afbr-600	658	8	,	,	PUNCT
afbr-600	658	9	218-230.retrieved	218-230.retrieved	NUM
afbr-600	658	10	from	from	ADP
afbr-600	658	11	https://discoveryjournals.org/science/current_issue/2017/a25.pdf	https://discoveryjournals.org/science/current_issue/2017/a25.pdf	PROPN
afbr-600	658	12	islam	islam	PROPN
afbr-600	658	13	,	,	PUNCT
afbr-600	658	14	k.	k.	PROPN
afbr-600	658	15	a.	a.	PROPN
afbr-600	658	16	,	,	PUNCT
afbr-600	658	17	&	&	CCONJ
afbr-600	658	18	miajee	miajee	PROPN
afbr-600	658	19	,	,	PUNCT
afbr-600	658	20	m.	m.	PROPN
afbr-600	658	21	r.	r.	PROPN
afbr-600	658	22	k.	k.	PROPN
afbr-600	658	23	(	(	PUNCT
afbr-600	658	24	2018	2018	NUM
afbr-600	658	25	)	)	PUNCT
afbr-600	658	26	.	.	PUNCT
afbr-600	659	1	small	small	ADJ
afbr-600	659	2	and	and	CCONJ
afbr-600	659	3	medium	medium	ADJ
afbr-600	659	4	enterprises	enterprise	NOUN
afbr-600	659	5	(	(	PUNCT
afbr-600	659	6	smes	sme	NOUN
afbr-600	659	7	)	)	PUNCT
afbr-600	659	8	financing	financing	NOUN
afbr-600	659	9	in	in	ADP
afbr-600	659	10	bangladesh	bangladesh	NOUN
afbr-600	659	11	:	:	PUNCT
afbr-600	659	12	a	a	DET
afbr-600	659	13	review	review	NOUN
afbr-600	659	14	of	of	ADP
afbr-600	659	15	literature	literature	NOUN
afbr-600	659	16	.	.	PUNCT
afbr-600	660	1	international	international	ADJ
afbr-600	660	2	journal	journal	PROPN
afbr-600	660	3	of	of	ADP
afbr-600	660	4	small	small	ADJ
afbr-600	660	5	and	and	CCONJ
afbr-600	660	6	medium	medium	ADJ
afbr-600	660	7	enterprises	enterprise	NOUN
afbr-600	660	8	,	,	PUNCT
afbr-600	660	9	1(1	1(1	NUM
afbr-600	660	10	)	)	PUNCT
afbr-600	660	11	,	,	PUNCT
afbr-600	660	12	11	11	NUM
afbr-600	660	13	-	-	SYM
afbr-600	660	14	15	15	NUM
afbr-600	660	15	.	.	PUNCT
afbr-600	661	1	https://doi.org/10.46281/ijsmes.v1i1.62	https://doi.org/10.46281/ijsmes.v1i1.62	PROPN
afbr-600	661	2	islam	islam	PROPN
afbr-600	661	3	,	,	PUNCT
afbr-600	661	4	k.	k.	PROPN
afbr-600	661	5	m.	m.	PROPN
afbr-600	661	6	a.	a.	PROPN
afbr-600	661	7	,	,	PUNCT
afbr-600	661	8	&	&	CCONJ
afbr-600	661	9	karim	karim	PROPN
afbr-600	661	10	miajee	miajee	PROPN
afbr-600	661	11	,	,	PUNCT
afbr-600	661	12	m.	m.	PROPN
afbr-600	661	13	r.	r.	PROPN
afbr-600	661	14	(	(	PUNCT
afbr-600	661	15	2018	2018	NUM
afbr-600	661	16	)	)	PUNCT
afbr-600	661	17	.	.	PUNCT
afbr-600	662	1	exploring	explore	VERB
afbr-600	662	2	e	e	NOUN
afbr-600	662	3	-	-	NOUN
afbr-600	662	4	business	business	NOUN
afbr-600	662	5	in	in	ADP
afbr-600	662	6	smes	sme	NOUN
afbr-600	662	7	.	.	PUNCT
afbr-600	663	1	international	international	ADJ
afbr-600	663	2	journal	journal	PROPN
afbr-600	663	3	of	of	ADP
afbr-600	663	4	small	small	ADJ
afbr-600	663	5	and	and	CCONJ
afbr-600	663	6	medium	medium	ADJ
afbr-600	663	7	enterprises	enterprise	NOUN
afbr-600	663	8	,	,	PUNCT
afbr-600	663	9	1(1	1(1	NUM
afbr-600	663	10	)	)	PUNCT
afbr-600	663	11	,	,	PUNCT
afbr-600	663	12	16	16	NUM
afbr-600	663	13	-	-	SYM
afbr-600	663	14	18	18	NUM
afbr-600	663	15	.	.	PUNCT
afbr-600	663	16	https://doi.org/10.46281/ijsmes.v1i1.63	https://doi.org/10.46281/ijsmes.v1i1.63	PROPN
afbr-600	664	1	islam	islam	PROPN
afbr-600	664	2	,	,	PUNCT
afbr-600	664	3	k.	k.	PROPN
afbr-600	664	4	m.	m.	PROPN
afbr-600	664	5	a.	a.	PROPN
afbr-600	664	6	,	,	PUNCT
afbr-600	664	7	&	&	CCONJ
afbr-600	664	8	barghouthi	barghouthi	VERB
afbr-600	664	9	,	,	PUNCT
afbr-600	664	10	o.	o.	NOUN
afbr-600	664	11	a.	a.	NOUN
afbr-600	664	12	(	(	PUNCT
afbr-600	664	13	2018	2018	NUM
afbr-600	664	14	)	)	PUNCT
afbr-600	664	15	.	.	PUNCT
afbr-600	665	1	to	to	ADP
afbr-600	665	2	what	what	DET
afbr-600	665	3	extent	extent	NOUN
afbr-600	665	4	do	do	AUX
afbr-600	665	5	the	the	DET
afbr-600	665	6	investment	investment	NOUN
afbr-600	665	7	programs	program	NOUN
afbr-600	665	8	in	in	ADP
afbr-600	665	9	the	the	DET
afbr-600	665	10	infrastructure	infrastructure	NOUN
afbr-600	665	11	sector	sector	NOUN
afbr-600	665	12	comply	comply	VERB
afbr-600	665	13	with	with	ADP
afbr-600	665	14	the	the	DET
afbr-600	665	15	determinants	determinant	NOUN
afbr-600	665	16	of	of	ADP
afbr-600	665	17	national	national	ADJ
afbr-600	665	18	competitive	competitive	ADJ
afbr-600	665	19	advantage	advantage	NOUN
afbr-600	665	20	?	?	PUNCT
afbr-600	665	21	.	.	PUNCT
afbr-600	666	1	international	international	ADJ
afbr-600	666	2	journal	journal	PROPN
afbr-600	666	3	of	of	ADP
afbr-600	666	4	small	small	ADJ
afbr-600	666	5	and	and	CCONJ
afbr-600	666	6	medium	medium	ADJ
afbr-600	666	7	enterprises	enterprise	NOUN
afbr-600	666	8	,	,	PUNCT
afbr-600	666	9	1(1	1(1	NUM
afbr-600	666	10	)	)	PUNCT
afbr-600	666	11	,	,	PUNCT
afbr-600	666	12	6	6	NUM
afbr-600	666	13	-	-	SYM
afbr-600	666	14	10	10	NUM
afbr-600	666	15	.	.	PUNCT
afbr-600	667	1	https://doi.org/10.46281/ijsmes.v1i1.61	https://doi.org/10.46281/ijsmes.v1i1.61	PROPN
afbr-600	667	2	islam	islam	PROPN
afbr-600	667	3	,	,	PUNCT
afbr-600	667	4	k.	k.	PROPN
afbr-600	667	5	m.	m.	PROPN
afbr-600	667	6	a.	a.	PROPN
afbr-600	667	7	,	,	PUNCT
afbr-600	667	8	&	&	CCONJ
afbr-600	667	9	barghouthi	barghouthi	VERB
afbr-600	667	10	,	,	PUNCT
afbr-600	667	11	o.	o.	NOUN
afbr-600	667	12	a.	a.	NOUN
afbr-600	667	13	(	(	PUNCT
afbr-600	667	14	2018	2018	NUM
afbr-600	667	15	)	)	PUNCT
afbr-600	667	16	.	.	PUNCT
afbr-600	668	1	to	to	ADP
afbr-600	668	2	what	what	DET
afbr-600	668	3	extent	extent	NOUN
afbr-600	668	4	do	do	AUX
afbr-600	668	5	the	the	DET
afbr-600	668	6	investment	investment	NOUN
afbr-600	668	7	programs	program	NOUN
afbr-600	668	8	in	in	ADP
afbr-600	668	9	the	the	DET
afbr-600	668	10	small	small	ADJ
afbr-600	668	11	and	and	CCONJ
afbr-600	668	12	medium	medium	ADJ
afbr-600	668	13	enterprises	enterprise	NOUN
afbr-600	668	14	sector	sector	NOUN
afbr-600	668	15	comply	comply	VERB
afbr-600	668	16	with	with	ADP
afbr-600	668	17	the	the	DET
afbr-600	668	18	determinants	determinant	NOUN
afbr-600	668	19	of	of	ADP
afbr-600	668	20	national	national	ADJ
afbr-600	668	21	competitive	competitive	ADJ
afbr-600	668	22	advantage	advantage	NOUN
afbr-600	668	23	?	?	PUNCT
afbr-600	668	24	.	.	PUNCT
afbr-600	669	1	international	international	ADJ
afbr-600	669	2	journal	journal	PROPN
afbr-600	669	3	of	of	ADP
afbr-600	669	4	small	small	ADJ
afbr-600	669	5	and	and	CCONJ
afbr-600	669	6	medium	medium	ADJ
afbr-600	669	7	enterprises	enterprise	NOUN
afbr-600	669	8	,	,	PUNCT
afbr-600	669	9	1(1	1(1	NUM
afbr-600	669	10	)	)	PUNCT
afbr-600	669	11	,	,	PUNCT
afbr-600	669	12	1	1	NUM
afbr-600	669	13	-	-	SYM
afbr-600	669	14	5	5	NUM
afbr-600	669	15	.	.	PUNCT
afbr-600	670	1	https://doi.org/10.46281/ijsmes.v1i1.60	https://doi.org/10.46281/ijsmes.v1i1.60	PROPN
afbr-600	670	2	islam	islam	PROPN
afbr-600	670	3	,	,	PUNCT
afbr-600	670	4	k.	k.	PROPN
afbr-600	670	5	a.	a.	PROPN
afbr-600	670	6	,	,	PUNCT
afbr-600	670	7	&	&	CCONJ
afbr-600	670	8	bhuiyan	bhuiyan	PROPN
afbr-600	670	9	,	,	PUNCT
afbr-600	670	10	a.	a.	PROPN
afbr-600	670	11	b.	b.	PROPN
afbr-600	670	12	(	(	PUNCT
afbr-600	670	13	2019	2019	NUM
afbr-600	670	14	)	)	PUNCT
afbr-600	670	15	.	.	PUNCT
afbr-600	671	1	the	the	DET
afbr-600	671	2	theoretical	theoretical	ADJ
afbr-600	671	3	linkages	linkage	NOUN
afbr-600	671	4	between	between	ADP
afbr-600	671	5	the	the	DET
afbr-600	671	6	shariah	shariah	PROPN
afbr-600	671	7	supervisory	supervisory	ADJ
afbr-600	671	8	board	board	PROPN
afbr-600	671	9	(	(	PUNCT
afbr-600	671	10	ssb	ssb	PROPN
afbr-600	671	11	)	)	PUNCT
afbr-600	671	12	and	and	CCONJ
afbr-600	671	13	stakeholder	stakeholder	NOUN
afbr-600	671	14	theory	theory	NOUN
afbr-600	671	15	in	in	ADP
afbr-600	671	16	the	the	DET
afbr-600	671	17	islamic	islamic	PROPN
afbr-600	671	18	financial	financial	PROPN
afbr-600	671	19	institutes	institutes	PROPN
afbr-600	671	20	:	:	PUNCT
afbr-600	671	21	an	an	DET
afbr-600	671	22	empirical	empirical	ADJ
afbr-600	671	23	review	review	NOUN
afbr-600	671	24	.	.	PUNCT
afbr-600	672	1	international	international	ADJ
afbr-600	672	2	journal	journal	PROPN
afbr-600	672	3	of	of	ADP
afbr-600	672	4	accounting	accounting	PROPN
afbr-600	672	5	&	&	CCONJ
afbr-600	672	6	finance	finance	PROPN
afbr-600	672	7	review	review	PROPN
afbr-600	672	8	,	,	PUNCT
afbr-600	672	9	4(2	4(2	NUM
afbr-600	672	10	)	)	PUNCT
afbr-600	672	11	,	,	PUNCT
afbr-600	672	12	43	43	NUM
afbr-600	672	13	-	-	SYM
afbr-600	672	14	49	49	NUM
afbr-600	672	15	.	.	PUNCT
afbr-600	673	1	https://doi.org/10.46281/ijafr.v4i2.436	https://doi.org/10.46281/ijafr.v4i2.436	PROPN
afbr-600	673	2	islam	islam	PROPN
afbr-600	673	3	,	,	PUNCT
afbr-600	673	4	k.	k.	PROPN
afbr-600	673	5	a.	a.	PROPN
afbr-600	673	6	(	(	PUNCT
afbr-600	673	7	2019	2019	NUM
afbr-600	673	8	)	)	PUNCT
afbr-600	673	9	.	.	PUNCT
afbr-600	674	1	what	what	PRON
afbr-600	674	2	do	do	AUX
afbr-600	674	3	the	the	DET
afbr-600	674	4	customers	customer	NOUN
afbr-600	674	5	think?an	think?an	ADP
afbr-600	674	6	evaluation	evaluation	NOUN
afbr-600	674	7	of	of	ADP
afbr-600	674	8	new	new	ADJ
afbr-600	674	9	products	product	NOUN
afbr-600	674	10	&	&	CCONJ
afbr-600	674	11	services	service	NOUN
afbr-600	674	12	of	of	ADP
afbr-600	674	13	national	national	PROPN
afbr-600	674	14	bank	bank	PROPN
afbr-600	674	15	limited	limit	VERB
afbr-600	674	16	.	.	PUNCT
afbr-600	675	1	retrieved	retrieve	VERB
afbr-600	675	2	from	from	ADP
afbr-600	675	3	https://www.cribfb.com/pdf/thesis_2017_01.pdf	https://www.cribfb.com/pdf/thesis_2017_01.pdf	PROPN
afbr-600	675	4	jegede	jegede	NOUN
afbr-600	675	5	,	,	PUNCT
afbr-600	675	6	c.a	c.a	PROPN
afbr-600	675	7	.	.	PROPN
afbr-600	675	8	(	(	PUNCT
afbr-600	675	9	2014	2014	NUM
afbr-600	675	10	)	)	PUNCT
afbr-600	675	11	.	.	PUNCT
afbr-600	676	1	impacts	impact	NOUN
afbr-600	676	2	of	of	ADP
afbr-600	676	3	monetary	monetary	ADJ
afbr-600	676	4	policy	policy	NOUN
afbr-600	676	5	on	on	ADP
afbr-600	676	6	the	the	DET
afbr-600	676	7	commercial	commercial	ADJ
afbr-600	676	8	banks	bank	NOUN
afbr-600	676	9	‘	'	PUNCT
afbr-600	676	10	lending	lend	VERB
afbr-600	676	11	in	in	ADP
afbr-600	676	12	nigeria	nigeria	PROPN
afbr-600	676	13	.	.	PUNCT
afbr-600	677	1	review	review	NOUN
afbr-600	677	2	of	of	ADP
afbr-600	677	3	public	public	ADJ
afbr-600	677	4	administration	administration	NOUN
afbr-600	677	5	and	and	CCONJ
afbr-600	677	6	management	management	NOUN
afbr-600	677	7	,	,	PUNCT
afbr-600	677	8	3(5	3(5	NUM
afbr-600	677	9	)	)	PUNCT
afbr-600	677	10	,	,	PUNCT
afbr-600	677	11	pp	pp	ADP
afbr-600	677	12	.	.	PUNCT
afbr-600	678	1	134	134	NUM
afbr-600	678	2	–	–	PUNCT
afbr-600	678	3	146	146	NUM
afbr-600	678	4	.	.	PUNCT
afbr-600	679	1	jeong	jeong	PROPN
afbr-600	679	2	,	,	PUNCT
afbr-600	679	3	h.	h.	PROPN
afbr-600	679	4	,	,	PUNCT
afbr-600	679	5	2009	2009	NUM
afbr-600	679	6	,	,	PUNCT
afbr-600	679	7	“	"	PUNCT
afbr-600	679	8	the	the	DET
afbr-600	679	9	procyclicality	procyclicality	NOUN
afbr-600	679	10	of	of	ADP
afbr-600	679	11	bank	bank	NOUN
afbr-600	679	12	lending	lending	NOUN
afbr-600	679	13	and	and	CCONJ
afbr-600	679	14	its	its	PRON
afbr-600	679	15	funding	funding	NOUN
afbr-600	679	16	structure	structure	NOUN
afbr-600	679	17	:	:	PUNCT
afbr-600	679	18	the	the	DET
afbr-600	679	19	case	case	NOUN
afbr-600	679	20	of	of	ADP
afbr-600	679	21	korea	korea	PROPN
afbr-600	679	22	”	"	PUNCT
afbr-600	679	23	,	,	PUNCT
afbr-600	679	24	bank	bank	PROPN
afbr-600	679	25	of	of	ADP
afbr-600	679	26	korea	korea	PROPN
afbr-600	679	27	international	international	PROPN
afbr-600	679	28	conference	conference	PROPN
afbr-600	679	29	on	on	ADP
afbr-600	679	30	“	"	PUNCT
afbr-600	679	31	the	the	DET
afbr-600	679	32	credit	credit	NOUN
afbr-600	679	33	crisis	crisis	NOUN
afbr-600	679	34	:	:	PUNCT
afbr-600	679	35	theoretical	theoretical	ADJ
afbr-600	679	36	perspectives	perspective	NOUN
afbr-600	679	37	and	and	CCONJ
afbr-600	679	38	policy	policy	NOUN
afbr-600	679	39	implications	implication	NOUN
afbr-600	679	40	”	"	PUNCT
afbr-600	679	41	,	,	PUNCT
afbr-600	679	42	may	may	AUX
afbr-600	679	43	jhingan	jhingan	VERB
afbr-600	679	44	,	,	PUNCT
afbr-600	679	45	m.	m.	NOUN
afbr-600	679	46	l.	l.	PROPN
afbr-600	679	47	(	(	PUNCT
afbr-600	679	48	2005	2005	NUM
afbr-600	679	49	)	)	PUNCT
afbr-600	679	50	.	.	PUNCT
afbr-600	680	1	macroeconomic	macroeconomic	ADJ
afbr-600	680	2	theory	theory	NOUN
afbr-600	680	3	.	.	PUNCT
afbr-600	681	1	10th	10th	ADJ
afbr-600	681	2	edition	edition	NOUN
afbr-600	681	3	,	,	PUNCT
afbr-600	681	4	vrinda	vrinda	PROPN
afbr-600	681	5	publications	publications	PROPN
afbr-600	681	6	ltd	ltd	PROPN
afbr-600	681	7	,	,	PUNCT
afbr-600	681	8	new	new	PROPN
afbr-600	681	9	delhi	delhi	PROPN
afbr-600	681	10	joão	joão	PROPN
afbr-600	681	11	b.	b.	PROPN
afbr-600	681	12	r.	r.	PROPN
afbr-600	681	13	,	,	PUNCT
afbr-600	681	14	barroso	barroso	PROPN
afbr-600	681	15	,	,	PUNCT
afbr-600	681	16	r.	r.	PROPN
afbr-600	681	17	b.	b.	PROPN
afbr-600	681	18	,	,	PUNCT
afbr-600	681	19	gonzalez	gonzalez	PROPN
afbr-600	681	20	,	,	PUNCT
afbr-600	681	21	b.	b.	PROPN
afbr-600	681	22	f.	f.	PROPN
afbr-600	681	23	nazar	nazar	PROPN
afbr-600	681	24	v.	v.	PROPN
afbr-600	681	25	d.	d.	PROPN
afbr-600	681	26	(	(	PUNCT
afbr-600	681	27	2017	2017	NUM
afbr-600	681	28	)	)	PUNCT
afbr-600	681	29	.	.	PUNCT
afbr-600	682	1	credit	credit	NOUN
afbr-600	682	2	supply	supply	NOUN
afbr-600	682	3	responses	response	NOUN
afbr-600	682	4	to	to	ADP
afbr-600	682	5	reserve	reserve	VERB
afbr-600	682	6	requirement	requirement	NOUN
afbr-600	682	7	:	:	PUNCT
afbr-600	682	8	loan	loan	NOUN
afbr-600	682	9	-	-	PUNCT
afbr-600	682	10	level	level	NOUN
afbr-600	682	11	evidence	evidence	NOUN
afbr-600	682	12	from	from	ADP
afbr-600	682	13	macroprudential	macroprudential	ADJ
afbr-600	682	14	policy	policy	NOUN
afbr-600	682	15	.	.	PUNCT
afbr-600	683	1	banco	banco	PROPN
afbr-600	683	2	central	central	PROPN
afbr-600	683	3	do	do	VERB
afbr-600	683	4	brasil	brasil	PROPN
afbr-600	683	5	.	.	PUNCT
afbr-600	684	1	working	working	PROPN
afbr-600	684	2	paper	paper	PROPN
afbr-600	684	3	series	series	PROPN
afbr-600	684	4	467	467	PROPN
afbr-600	684	5	.	.	PUNCT
afbr-600	684	6	johansen	johansen	PROPN
afbr-600	684	7	,	,	PUNCT
afbr-600	684	8	s.	s.	PROPN
afbr-600	684	9	(	(	PUNCT
afbr-600	684	10	1988	1988	NUM
afbr-600	684	11	)	)	PUNCT
afbr-600	684	12	.	.	PUNCT
afbr-600	685	1	statistical	statistical	ADJ
afbr-600	685	2	analysis	analysis	NOUN
afbr-600	685	3	of	of	ADP
afbr-600	685	4	cointegration	cointegration	NOUN
afbr-600	685	5	vectors	vector	NOUN
afbr-600	685	6	.	.	PUNCT
afbr-600	686	1	journal	journal	PROPN
afbr-600	686	2	of	of	ADP
afbr-600	686	3	economics	economic	NOUN
afbr-600	686	4	dynamic	dynamic	ADJ
afbr-600	686	5	and	and	CCONJ
afbr-600	686	6	control	control	NOUN
afbr-600	686	7	,	,	PUNCT
afbr-600	686	8	12	12	NUM
afbr-600	686	9	,	,	PUNCT
afbr-600	686	10	231	231	NUM
afbr-600	686	11	–	–	PUNCT
afbr-600	686	12	254	254	NUM
afbr-600	686	13	.	.	PUNCT
afbr-600	687	1	john	john	PROPN
afbr-600	687	2	,	,	PUNCT
afbr-600	687	3	n.n.u	n.n.u	PROPN
afbr-600	687	4	.	.	PUNCT
afbr-600	687	5	&	&	CCONJ
afbr-600	687	6	onwubiko	onwubiko	PROPN
afbr-600	687	7	,	,	PUNCT
afbr-600	687	8	n.	n.	PROPN
afbr-600	687	9	d.	d.	PROPN
afbr-600	687	10	(	(	PUNCT
afbr-600	687	11	2013	2013	NUM
afbr-600	687	12	)	)	PUNCT
afbr-600	687	13	.	.	PUNCT
afbr-600	688	1	power	power	NOUN
afbr-600	688	2	of	of	ADP
afbr-600	688	3	knowledge	knowledge	NOUN
afbr-600	688	4	of	of	ADP
afbr-600	688	5	management	management	NOUN
afbr-600	688	6	techniques	technique	NOUN
afbr-600	688	7	on	on	ADP
afbr-600	688	8	productivities	productivity	NOUN
afbr-600	688	9	among	among	ADP
afbr-600	688	10	indigenous	indigenous	ADJ
afbr-600	688	11	entrepreneurs	entrepreneur	NOUN
afbr-600	688	12	in	in	ADP
afbr-600	688	13	nigeria	nigeria	PROPN
afbr-600	688	14	.	.	PUNCT
afbr-600	689	1	european	european	PROPN
afbr-600	689	2	journal	journal	PROPN
afbr-600	689	3	of	of	ADP
afbr-600	689	4	business	business	NOUN
afbr-600	689	5	management	management	NOUN
afbr-600	689	6	,	,	PUNCT
afbr-600	689	7	5	5	NUM
afbr-600	689	8	(	(	PUNCT
afbr-600	689	9	12	12	NUM
afbr-600	689	10	):	):	PUNCT
afbr-600	689	11	148	148	NUM
afbr-600	689	12	-	-	SYM
afbr-600	689	13	155	155	NUM
afbr-600	689	14	.	.	PUNCT
afbr-600	690	1	karimo	karimo	PROPN
afbr-600	690	2	,	,	PUNCT
afbr-600	690	3	t.m	t.m	PROPN
afbr-600	690	4	.	.	PROPN
afbr-600	690	5	,	,	PUNCT
afbr-600	690	6	&	&	CCONJ
afbr-600	690	7	ogbonna	ogbonna	PROPN
afbr-600	690	8	,	,	PUNCT
afbr-600	690	9	o.l	o.l	PROPN
afbr-600	690	10	.	.	PROPN
afbr-600	690	11	(	(	PUNCT
afbr-600	690	12	2017	2017	NUM
afbr-600	690	13	)	)	PUNCT
afbr-600	690	14	.	.	PUNCT
afbr-600	691	1	financial	financial	ADJ
afbr-600	691	2	deepening	deepening	NOUN
afbr-600	691	3	and	and	CCONJ
afbr-600	691	4	economic	economic	ADJ
afbr-600	691	5	growth	growth	NOUN
afbr-600	691	6	nexus	nexus	NOUN
afbr-600	691	7	in	in	ADP
afbr-600	691	8	nigeria	nigeria	PROPN
afbr-600	691	9	:	:	PUNCT
afbr-600	691	10	supply	supply	NOUN
afbr-600	691	11	-	-	PUNCT
afbr-600	691	12	leading	lead	VERB
afbr-600	691	13	or	or	CCONJ
afbr-600	691	14	demand	demand	NOUN
afbr-600	691	15	-	-	PUNCT
afbr-600	691	16	following	follow	VERB
afbr-600	691	17	?	?	PUNCT
afbr-600	692	1	economies	economy	NOUN
afbr-600	692	2	.	.	PUNCT
afbr-600	693	1	mpdi	mpdi	NOUN
afbr-600	693	2	articles	article	NOUN
afbr-600	693	3	.	.	PUNCT
afbr-600	694	1	copyright	copyright	NOUN
afbr-600	694	2	©	©	PROPN
afbr-600	694	3	cc	cc	PROPN
afbr-600	694	4	-	-	PUNCT
afbr-600	694	5	by	by	ADP
afbr-600	694	6	-	-	PUNCT
afbr-600	694	7	nc	nc	PROPN
afbr-600	694	8	2019	2019	NUM
afbr-600	694	9	,	,	PUNCT
afbr-600	694	10	cribfb	cribfb	PROPN
afbr-600	694	11	|	|	ADV
afbr-600	694	12	afbr	afbr	PROPN
afbr-600	694	13	www.cribfb.com/journal/index.php/afbr	www.cribfb.com/journal/index.php/afbr	ADJ
afbr-600	694	14	australian	australian	ADJ
afbr-600	694	15	finance	finance	PROPN
afbr-600	694	16	&	&	CCONJ
afbr-600	694	17	banking	banking	PROPN
afbr-600	694	18	review	review	PROPN
afbr-600	694	19	vol	vol	NOUN
afbr-600	694	20	.	.	PROPN
afbr-600	695	1	4	4	NUM
afbr-600	695	2	,	,	PUNCT
afbr-600	695	3	no	no	INTJ
afbr-600	695	4	.	.	NOUN
afbr-600	695	5	1	1	NUM
afbr-600	695	6	;	;	PUNCT
afbr-600	695	7	2020	2020	NUM
afbr-600	695	8	36	36	NUM
afbr-600	695	9	lopez	lopez	NOUN
afbr-600	695	10	-	-	PUNCT
afbr-600	695	11	espinosa	espinosa	PROPN
afbr-600	695	12	,	,	PUNCT
afbr-600	695	13	g.	g.	PROPN
afbr-600	695	14	,	,	PUNCT
afbr-600	695	15	a.	a.	PROPN
afbr-600	695	16	moreno	moreno	PROPN
afbr-600	695	17	,	,	PUNCT
afbr-600	695	18	a.	a.	PROPN
afbr-600	695	19	r.	r.	PROPN
afbr-600	695	20	,	,	PUNCT
afbr-600	695	21	&	&	CCONJ
afbr-600	695	22	valderrama	valderrama	PROPN
afbr-600	695	23	,	,	PUNCT
afbr-600	695	24	l.	l.	PROPN
afbr-600	695	25	(	(	PUNCT
afbr-600	695	26	2012	2012	NUM
afbr-600	695	27	)	)	PUNCT
afbr-600	695	28	.	.	PUNCT
afbr-600	696	1	short	short	ADJ
afbr-600	696	2	-	-	PUNCT
afbr-600	696	3	term	term	NOUN
afbr-600	696	4	wholesale	wholesale	ADJ
afbr-600	696	5	funding	funding	NOUN
afbr-600	696	6	and	and	CCONJ
afbr-600	696	7	systemic	systemic	ADJ
afbr-600	696	8	risk	risk	NOUN
afbr-600	696	9	:	:	PUNCT
afbr-600	696	10	a	a	DET
afbr-600	696	11	global	global	ADJ
afbr-600	696	12	covar	covar	NOUN
afbr-600	696	13	approach	approach	NOUN
afbr-600	696	14	.	.	PUNCT
afbr-600	697	1	imf	imf	PROPN
afbr-600	697	2	working	working	PROPN
afbr-600	697	3	paper	paper	NOUN
afbr-600	697	4	,	,	PUNCT
afbr-600	697	5	wp/12/46	wp/12/46	PROPN
afbr-600	697	6	,	,	PUNCT
afbr-600	697	7	february	february	PROPN
afbr-600	697	8	.	.	PUNCT
afbr-600	698	1	malede	malede	PROPN
afbr-600	698	2	,	,	PUNCT
afbr-600	698	3	m.	m.	NOUN
afbr-600	698	4	(	(	PUNCT
afbr-600	698	5	2014	2014	NUM
afbr-600	698	6	)	)	PUNCT
afbr-600	698	7	.	.	PUNCT
afbr-600	699	1	determinants	determinant	NOUN
afbr-600	699	2	of	of	ADP
afbr-600	699	3	commercial	commercial	ADJ
afbr-600	699	4	banks	bank	NOUN
afbr-600	699	5	’	'	PUNCT
afbr-600	699	6	lending	lending	NOUN
afbr-600	699	7	:	:	PUNCT
afbr-600	699	8	evidence	evidence	NOUN
afbr-600	699	9	from	from	ADP
afbr-600	699	10	ethiopian	ethiopian	ADJ
afbr-600	699	11	commercial	commercial	ADJ
afbr-600	699	12	banks	bank	NOUN
afbr-600	699	13	.	.	PUNCT
afbr-600	700	1	european	european	PROPN
afbr-600	700	2	journal	journal	PROPN
afbr-600	700	3	of	of	ADP
afbr-600	700	4	business	business	NOUN
afbr-600	700	5	and	and	CCONJ
afbr-600	700	6	management	management	NOUN
afbr-600	700	7	,	,	PUNCT
afbr-600	700	8	2(2	2(2	NUM
afbr-600	700	9	)	)	PUNCT
afbr-600	700	10	,	,	PUNCT
afbr-600	700	11	304	304	NUM
afbr-600	700	12	-	-	SYM
afbr-600	700	13	318	318	NUM
afbr-600	700	14	.	.	PUNCT
afbr-600	701	1	matthews	matthews	PROPN
afbr-600	701	2	,	,	PUNCT
afbr-600	701	3	k.	k.	PROPN
afbr-600	701	4	,	,	PUNCT
afbr-600	701	5	&	&	CCONJ
afbr-600	701	6	thompson	thompson	PROPN
afbr-600	701	7	,	,	PUNCT
afbr-600	701	8	j.	j.	PROPN
afbr-600	701	9	(	(	PUNCT
afbr-600	701	10	2014	2014	NUM
afbr-600	701	11	)	)	PUNCT
afbr-600	701	12	.	.	PUNCT
afbr-600	702	1	the	the	DET
afbr-600	702	2	economics	economic	NOUN
afbr-600	702	3	of	of	ADP
afbr-600	702	4	banking	banking	NOUN
afbr-600	702	5	,	,	PUNCT
afbr-600	702	6	wiley	wiley	PROPN
afbr-600	702	7	:	:	PUNCT
afbr-600	702	8	chichester	chichester	PROPN
afbr-600	702	9	,	,	PUNCT
afbr-600	702	10	(	(	PUNCT
afbr-600	702	11	3rd	3rd	NOUN
afbr-600	702	12	edition	edition	NOUN
afbr-600	702	13	)	)	PUNCT
afbr-600	702	14	.	.	PUNCT
afbr-600	703	1	moore	moore	PROPN
afbr-600	703	2	,	,	PUNCT
afbr-600	703	3	w.	w.	PROPN
afbr-600	703	4	(	(	PUNCT
afbr-600	703	5	2010	2010	NUM
afbr-600	703	6	)	)	PUNCT
afbr-600	703	7	.	.	PUNCT
afbr-600	704	1	how	how	SCONJ
afbr-600	704	2	do	do	AUX
afbr-600	704	3	financial	financial	ADJ
afbr-600	704	4	crises	crisis	NOUN
afbr-600	704	5	affect	affect	VERB
afbr-600	704	6	commercial	commercial	ADJ
afbr-600	704	7	bank	bank	NOUN
afbr-600	704	8	liquidity	liquidity	NOUN
afbr-600	704	9	?	?	PUNCT
afbr-600	705	1	evidence	evidence	NOUN
afbr-600	705	2	from	from	ADP
afbr-600	705	3	latin	latin	PROPN
afbr-600	705	4	america	america	PROPN
afbr-600	705	5	and	and	CCONJ
afbr-600	705	6	the	the	DET
afbr-600	705	7	caribbean	caribbean	PROPN
afbr-600	705	8	.	.	PUNCT
afbr-600	706	1	mpra	mpra	PROPN
afbr-600	706	2	paper	paper	PROPN
afbr-600	706	3	,	,	PUNCT
afbr-600	706	4	21473	21473	NUM
afbr-600	706	5	.	.	PUNCT
afbr-600	707	1	nto	nto	PROPN
afbr-600	707	2	,	,	PUNCT
afbr-600	707	3	p.	p.	PROPN
afbr-600	707	4	o.	o.	PROPN
afbr-600	707	5	,	,	PUNCT
afbr-600	707	6	mbanasor	mbanasor	PROPN
afbr-600	707	7	,	,	PUNCT
afbr-600	707	8	j.	j.	PROPN
afbr-600	707	9	a.	a.	PROPN
afbr-600	707	10	,	,	PUNCT
afbr-600	707	11	&	&	CCONJ
afbr-600	707	12	osuala	osuala	ADJ
afbr-600	707	13	,	,	PUNCT
afbr-600	707	14	a.	a.	PROPN
afbr-600	707	15	e.	e.	PROPN
afbr-600	707	16	(	(	PUNCT
afbr-600	707	17	2012	2012	NUM
afbr-600	707	18	)	)	PUNCT
afbr-600	707	19	.	.	PUNCT
afbr-600	708	1	influence	influence	NOUN
afbr-600	708	2	of	of	ADP
afbr-600	708	3	monetary	monetary	ADJ
afbr-600	708	4	policy	policy	NOUN
afbr-600	708	5	variables	variable	NOUN
afbr-600	708	6	on	on	ADP
afbr-600	708	7	loan	loan	NOUN
afbr-600	708	8	supply	supply	NOUN
afbr-600	708	9	to	to	ADP
afbr-600	708	10	small	small	ADJ
afbr-600	708	11	and	and	CCONJ
afbr-600	708	12	medium	medium	ADJ
afbr-600	708	13	scale	scale	NOUN
afbr-600	708	14	enterprises	enterprise	NOUN
afbr-600	708	15	in	in	ADP
afbr-600	708	16	nigeria	nigeria	PROPN
afbr-600	708	17	.	.	PUNCT
afbr-600	709	1	international	international	ADJ
afbr-600	709	2	journal	journal	PROPN
afbr-600	709	3	of	of	ADP
afbr-600	709	4	economics	economic	NOUN
afbr-600	709	5	and	and	CCONJ
afbr-600	709	6	finance	finance	NOUN
afbr-600	709	7	,	,	PUNCT
afbr-600	709	8	4(7	4(7	NUM
afbr-600	709	9	)	)	PUNCT
afbr-600	709	10	,	,	PUNCT
afbr-600	709	11	157	157	NUM
afbr-600	709	12	-	-	SYM
afbr-600	709	13	164	164	NUM
afbr-600	709	14	.	.	PUNCT
afbr-600	710	1	nwakama	nwakama	NOUN
afbr-600	710	2	,	,	PUNCT
afbr-600	710	3	and	and	CCONJ
afbr-600	710	4	mogbatogu	mogbatogu	NOUN
afbr-600	710	5	.	.	PUNCT
afbr-600	710	6	,	,	PUNCT
afbr-600	710	7	(	(	PUNCT
afbr-600	710	8	2014	2014	NUM
afbr-600	710	9	)	)	PUNCT
afbr-600	710	10	.	.	PUNCT
afbr-600	711	1	influence	influence	NOUN
afbr-600	711	2	of	of	ADP
afbr-600	711	3	interest	interest	NOUN
afbr-600	711	4	rates	rate	NOUN
afbr-600	711	5	regimes	regime	NOUN
afbr-600	711	6	on	on	ADP
afbr-600	711	7	deposit	deposit	NOUN
afbr-600	711	8	money	money	NOUN
afbr-600	711	9	banks	bank	NOUN
afbr-600	711	10	in	in	ADP
afbr-600	711	11	nigeria	nigeria	PROPN
afbr-600	711	12	:	:	PUNCT
afbr-600	711	13	an	an	DET
afbr-600	711	14	econometric	econometric	ADJ
afbr-600	711	15	assessment	assessment	NOUN
afbr-600	711	16	.	.	PUNCT
afbr-600	712	1	the	the	DET
afbr-600	712	2	clute	clute	PROPN
afbr-600	712	3	institute	institute	PROPN
afbr-600	712	4	int’l	int’l	NOUN
afbr-600	712	5	.	.	PUNCT
afbr-600	713	1	academic	academic	ADJ
afbr-600	713	2	conference	conference	NOUN
afbr-600	713	3	,	,	PUNCT
afbr-600	713	4	orlands	orland	VERB
afbr-600	713	5	florida	florida	PROPN
afbr-600	713	6	(	(	PUNCT
afbr-600	713	7	2014	2014	NUM
afbr-600	713	8	)	)	PUNCT
afbr-600	713	9	.	.	PUNCT
afbr-600	714	1	odhiambo	odhiambo	PROPN
afbr-600	714	2	,	,	PUNCT
afbr-600	714	3	n.m	n.m	PROPN
afbr-600	714	4	.	.	PROPN
afbr-600	714	5	(	(	PUNCT
afbr-600	714	6	2010	2010	NUM
afbr-600	714	7	)	)	PUNCT
afbr-600	714	8	,	,	PUNCT
afbr-600	714	9	finance	finance	NOUN
afbr-600	714	10	-	-	PUNCT
afbr-600	714	11	investment	investment	NOUN
afbr-600	714	12	-	-	PUNCT
afbr-600	714	13	growth	growth	NOUN
afbr-600	714	14	nexus	nexus	NOUN
afbr-600	714	15	in	in	ADP
afbr-600	714	16	south	south	PROPN
afbr-600	714	17	africa	africa	PROPN
afbr-600	714	18	:	:	PUNCT
afbr-600	714	19	an	an	DET
afbr-600	714	20	ardl	ardl	NOUN
afbr-600	714	21	-	-	PUNCT
afbr-600	714	22	bounds	bound	NOUN
afbr-600	714	23	testing	testing	NOUN
afbr-600	714	24	procedure	procedure	NOUN
afbr-600	714	25	,	,	PUNCT
afbr-600	714	26	econ	econ	PROPN
afbr-600	714	27	change	change	NOUN
afbr-600	714	28	restruct	restruct	NOUN
afbr-600	714	29	,	,	PUNCT
afbr-600	714	30	43	43	NUM
afbr-600	714	31	,	,	PUNCT
afbr-600	714	32	205–219	205–219	NUM
afbr-600	714	33	.	.	PUNCT
afbr-600	714	34	ogolo	ogolo	PROPN
afbr-600	714	35	,	,	PUNCT
afbr-600	714	36	t.	t.	NOUN
afbr-600	714	37	m.	m.	NOUN
afbr-600	714	38	(	(	PUNCT
afbr-600	714	39	2018	2018	NUM
afbr-600	714	40	)	)	PUNCT
afbr-600	714	41	.	.	PUNCT
afbr-600	715	1	monetary	monetary	ADJ
afbr-600	715	2	policy	policy	NOUN
afbr-600	715	3	and	and	CCONJ
afbr-600	715	4	commercial	commercial	ADJ
afbr-600	715	5	bank	bank	NOUN
afbr-600	715	6	lending	lending	NOUN
afbr-600	715	7	to	to	ADP
afbr-600	715	8	the	the	DET
afbr-600	715	9	real	real	ADJ
afbr-600	715	10	sector	sector	NOUN
afbr-600	715	11	in	in	ADP
afbr-600	715	12	nigeria	nigeria	PROPN
afbr-600	715	13	:	:	PUNCT
afbr-600	715	14	a	a	DET
afbr-600	715	15	time	time	NOUN
afbr-600	715	16	series	series	PROPN
afbr-600	715	17	study	study	PROPN
afbr-600	715	18	.	.	PUNCT
afbr-600	716	1	american	american	PROPN
afbr-600	716	2	finance	finance	PROPN
afbr-600	716	3	&	&	CCONJ
afbr-600	716	4	banking	banking	PROPN
afbr-600	716	5	review	review	NOUN
afbr-600	716	6	;	;	PUNCT
afbr-600	716	7	2(1),126	2(1),126	NUM
afbr-600	716	8	-	-	SYM
afbr-600	716	9	138	138	NUM
afbr-600	716	10	.	.	PUNCT
afbr-600	717	1	olokoyo	olokoyo	PROPN
afbr-600	717	2	.	.	PUNCT
afbr-600	718	1	,	,	PUNCT
afbr-600	718	2	(	(	PUNCT
afbr-600	718	3	2011	2011	NUM
afbr-600	718	4	)	)	PUNCT
afbr-600	718	5	.	.	PUNCT
afbr-600	719	1	determinants	determinant	NOUN
afbr-600	719	2	of	of	ADP
afbr-600	719	3	commercial	commercial	ADJ
afbr-600	719	4	banks	bank	NOUN
afbr-600	719	5	’	’	PART
afbr-600	719	6	lending	lending	NOUN
afbr-600	719	7	behavior	behavior	NOUN
afbr-600	719	8	.	.	PUNCT
afbr-600	720	1	international	international	ADJ
afbr-600	720	2	journal	journal	PROPN
afbr-600	720	3	financial	financial	ADJ
afbr-600	720	4	research	research	NOUN
afbr-600	720	5	,	,	PUNCT
afbr-600	720	6	2	2	NUM
afbr-600	720	7	(	(	PUNCT
afbr-600	720	8	2),302316	2),302316	PROPN
afbr-600	720	9	.	.	PROPN
afbr-600	720	10	olorunmade	olorunmade	PROPN
afbr-600	720	11	,	,	PUNCT
afbr-600	720	12	g.	g.	PROPN
afbr-600	720	13	,	,	PUNCT
afbr-600	720	14	samuel	samuel	PROPN
afbr-600	720	15	,	,	PUNCT
afbr-600	720	16	o.j	o.j	PROPN
afbr-600	720	17	.	.	PROPN
afbr-600	720	18	,	,	PUNCT
afbr-600	720	19	&	&	CCONJ
afbr-600	720	20	adewole	adewole	PROPN
afbr-600	720	21	,	,	PUNCT
afbr-600	720	22	j.	j.	PROPN
afbr-600	720	23	a.	a.	PROPN
afbr-600	720	24	(	(	PUNCT
afbr-600	720	25	2019	2019	NUM
afbr-600	720	26	)	)	PUNCT
afbr-600	720	27	determinant	determinant	ADJ
afbr-600	720	28	of	of	ADP
afbr-600	720	29	private	private	ADJ
afbr-600	720	30	sector	sector	NOUN
afbr-600	720	31	credit	credit	NOUN
afbr-600	720	32	and	and	CCONJ
afbr-600	720	33	its	its	PRON
afbr-600	720	34	implication	implication	NOUN
afbr-600	720	35	on	on	ADP
afbr-600	720	36	economic	economic	ADJ
afbr-600	720	37	growth	growth	NOUN
afbr-600	720	38	in	in	ADP
afbr-600	720	39	nigeria	nigeria	PROPN
afbr-600	720	40	:	:	PUNCT
afbr-600	720	41	2000	2000	NUM
afbr-600	720	42	-	-	SYM
afbr-600	720	43	2017	2017	NUM
afbr-600	720	44	.	.	PUNCT
afbr-600	721	1	american	american	ADJ
afbr-600	721	2	economic	economic	ADJ
afbr-600	721	3	and	and	CCONJ
afbr-600	721	4	social	social	ADJ
afbr-600	721	5	review	review	NOUN
afbr-600	721	6	,	,	PUNCT
afbr-600	721	7	5	5	NUM
afbr-600	721	8	(	(	PUNCT
afbr-600	721	9	1	1	NUM
afbr-600	721	10	)	)	PUNCT
afbr-600	721	11	,	,	PUNCT
afbr-600	721	12	78	78	NUM
afbr-600	721	13	-	-	SYM
afbr-600	721	14	90	90	NUM
afbr-600	721	15	.	.	PUNCT
afbr-600	722	1	olukayode	olukayode	PROPN
afbr-600	722	2	,	,	PUNCT
afbr-600	722	3	r.	r.	PROPN
afbr-600	722	4	,	,	PUNCT
afbr-600	722	5	&	&	CCONJ
afbr-600	722	6	somoye	somoye	PROPN
afbr-600	722	7	,	,	PUNCT
afbr-600	722	8	c.	c.	NOUN
afbr-600	722	9	(	(	PUNCT
afbr-600	722	10	2018	2018	NUM
afbr-600	722	11	)	)	PUNCT
afbr-600	722	12	.	.	PUNCT
afbr-600	723	1	the	the	DET
afbr-600	723	2	impact	impact	NOUN
afbr-600	723	3	of	of	ADP
afbr-600	723	4	finance	finance	NOUN
afbr-600	723	5	on	on	ADP
afbr-600	723	6	entrepreneurship	entrepreneurship	NOUN
afbr-600	723	7	growth	growth	NOUN
afbr-600	723	8	in	in	ADP
afbr-600	723	9	nigeria	nigeria	PROPN
afbr-600	723	10	:	:	PUNCT
afbr-600	723	11	international	international	ADJ
afbr-600	723	12	journal	journal	NOUN
afbr-600	723	13	of	of	ADP
afbr-600	723	14	small	small	ADJ
afbr-600	723	15	and	and	CCONJ
afbr-600	723	16	medium	medium	ADJ
afbr-600	723	17	enterprises	enterprise	NOUN
afbr-600	723	18	,	,	PUNCT
afbr-600	723	19	1(2	1(2	NUM
afbr-600	723	20	)	)	PUNCT
afbr-600	723	21	;	;	PUNCT
afbr-600	723	22	117	117	NUM
afbr-600	723	23	-	-	SYM
afbr-600	723	24	227	227	NUM
afbr-600	723	25	.	.	PUNCT
afbr-600	723	26	oshikoya	oshikoya	PROPN
afbr-600	723	27	,	,	PUNCT
afbr-600	723	28	t.	t.	PROPN
afbr-600	723	29	w.	w.	PROPN
afbr-600	723	30	,	,	PUNCT
afbr-600	723	31	(	(	PUNCT
afbr-600	723	32	1992	1992	NUM
afbr-600	723	33	)	)	PUNCT
afbr-600	723	34	.	.	PUNCT
afbr-600	724	1	interest	interest	NOUN
afbr-600	724	2	rate	rate	NOUN
afbr-600	724	3	liberalization	liberalization	NOUN
afbr-600	724	4	,	,	PUNCT
afbr-600	724	5	savings	saving	NOUN
afbr-600	724	6	,	,	PUNCT
afbr-600	724	7	investment	investment	NOUN
afbr-600	724	8	and	and	CCONJ
afbr-600	724	9	growth	growth	NOUN
afbr-600	724	10	:	:	PUNCT
afbr-600	724	11	the	the	DET
afbr-600	724	12	case	case	NOUN
afbr-600	724	13	of	of	ADP
afbr-600	724	14	kenya	kenya	PROPN
afbr-600	724	15	savings	saving	NOUN
afbr-600	724	16	and	and	CCONJ
afbr-600	724	17	development	development	NOUN
afbr-600	724	18	16	16	NUM
afbr-600	724	19	,	,	PUNCT
afbr-600	724	20	(	(	PUNCT
afbr-600	724	21	3	3	NUM
afbr-600	724	22	):	):	PUNCT
afbr-600	724	23	305	305	NUM
afbr-600	724	24	-	-	SYM
afbr-600	724	25	320	320	NUM
afbr-600	724	26	.	.	PUNCT
afbr-600	725	1	osterwald	osterwald	ADJ
afbr-600	725	2	-	-	PUNCT
afbr-600	725	3	lenum	lenum	NOUN
afbr-600	725	4	,	,	PUNCT
afbr-600	725	5	m.	m.	NOUN
afbr-600	725	6	,	,	PUNCT
afbr-600	725	7	(	(	PUNCT
afbr-600	725	8	1992	1992	NUM
afbr-600	725	9	)	)	PUNCT
afbr-600	725	10	.	.	PUNCT
afbr-600	726	1	a	a	DET
afbr-600	726	2	note	note	NOUN
afbr-600	726	3	with	with	ADP
afbr-600	726	4	quantiles	quantile	NOUN
afbr-600	726	5	of	of	ADP
afbr-600	726	6	the	the	DET
afbr-600	726	7	asymptotic	asymptotic	ADJ
afbr-600	726	8	distributions	distribution	NOUN
afbr-600	726	9	of	of	ADP
afbr-600	726	10	the	the	DET
afbr-600	726	11	maximum	maximum	ADJ
afbr-600	726	12	likelihood	likelihood	NOUN
afbr-600	726	13	cointegration	cointegration	NOUN
afbr-600	726	14	ranks	rank	VERB
afbr-600	726	15	test	test	NOUN
afbr-600	726	16	statistics	statistic	NOUN
afbr-600	726	17	:	:	PUNCT
afbr-600	726	18	four	four	NUM
afbr-600	726	19	cases	case	NOUN
afbr-600	726	20	.	.	PUNCT
afbr-600	727	1	oxford	oxford	ADJ
afbr-600	727	2	bulletin	bulletin	NOUN
afbr-600	727	3	of	of	ADP
afbr-600	727	4	economics	economic	NOUN
afbr-600	727	5	and	and	CCONJ
afbr-600	727	6	statistics	statistic	NOUN
afbr-600	727	7	,	,	PUNCT
afbr-600	727	8	54	54	NUM
afbr-600	727	9	,	,	PUNCT
afbr-600	727	10	461	461	NUM
afbr-600	727	11	-	-	SYM
afbr-600	727	12	472	472	NUM
afbr-600	727	13	.	.	PUNCT
afbr-600	728	1	ovat	ovat	NOUN
afbr-600	728	2	,	,	PUNCT
afbr-600	728	3	o.	o.	PROPN
afbr-600	728	4	o.	o.	PROPN
afbr-600	728	5	(	(	PUNCT
afbr-600	728	6	2016	2016	NUM
afbr-600	728	7	)	)	PUNCT
afbr-600	728	8	.	.	PUNCT
afbr-600	729	1	commercial	commercial	ADJ
afbr-600	729	2	banks	bank	NOUN
afbr-600	729	3	’	'	PUNCT
afbr-600	729	4	credit	credit	NOUN
afbr-600	729	5	and	and	CCONJ
afbr-600	729	6	the	the	DET
afbr-600	729	7	growth	growth	NOUN
afbr-600	729	8	of	of	ADP
afbr-600	729	9	small	small	ADJ
afbr-600	729	10	and	and	CCONJ
afbr-600	729	11	medium	medium	ADJ
afbr-600	729	12	scale	scale	NOUN
afbr-600	729	13	enterprises	enterprise	NOUN
afbr-600	729	14	:	:	PUNCT
afbr-600	729	15	the	the	DET
afbr-600	729	16	nigerian	nigerian	ADJ
afbr-600	729	17	experience	experience	NOUN
afbr-600	729	18	.	.	PUNCT
afbr-600	730	1	journal	journal	PROPN
afbr-600	730	2	of	of	ADP
afbr-600	730	3	economics	economic	NOUN
afbr-600	730	4	and	and	CCONJ
afbr-600	730	5	finance	finance	NOUN
afbr-600	730	6	,	,	PUNCT
afbr-600	730	7	7(6	7(6	NUM
afbr-600	730	8	)	)	PUNCT
afbr-600	730	9	,	,	PUNCT
afbr-600	730	10	23	23	NUM
afbr-600	730	11	-	-	SYM
afbr-600	730	12	30	30	NUM
afbr-600	730	13	.	.	PUNCT
afbr-600	731	1	praet	praet	NOUN
afbr-600	731	2	,	,	PUNCT
afbr-600	731	3	p.	p.	PROPN
afbr-600	731	4	,	,	PUNCT
afbr-600	731	5	herzberg	herzberg	PROPN
afbr-600	731	6	,	,	PUNCT
afbr-600	731	7	v.	v.	PROPN
afbr-600	731	8	(	(	PUNCT
afbr-600	731	9	2008	2008	NUM
afbr-600	731	10	)	)	PUNCT
afbr-600	731	11	.	.	PUNCT
afbr-600	732	1	market	market	NOUN
afbr-600	732	2	liquidity	liquidity	NOUN
afbr-600	732	3	and	and	CCONJ
afbr-600	732	4	banking	banking	NOUN
afbr-600	732	5	liquidity	liquidity	NOUN
afbr-600	732	6	:	:	PUNCT
afbr-600	732	7	linkages	linkage	NOUN
afbr-600	732	8	,	,	PUNCT
afbr-600	732	9	vulnerabilities	vulnerability	NOUN
afbr-600	732	10	and	and	CCONJ
afbr-600	732	11	the	the	DET
afbr-600	732	12	role	role	NOUN
afbr-600	732	13	of	of	ADP
afbr-600	732	14	disclosure	disclosure	NOUN
afbr-600	732	15	.	.	PUNCT
afbr-600	733	1	banque	banque	PROPN
afbr-600	733	2	de	de	PROPN
afbr-600	733	3	france	france	PROPN
afbr-600	733	4	financial	financial	ADJ
afbr-600	733	5	stability	stability	PROPN
afbr-600	733	6	review	review	NOUN
afbr-600	733	7	,	,	PUNCT
afbr-600	733	8	95	95	NUM
afbr-600	733	9	-	-	SYM
afbr-600	733	10	109	109	NUM
afbr-600	733	11	.	.	PUNCT
afbr-600	734	1	rychtárik	rychtárik	PROPN
afbr-600	734	2	,	,	PUNCT
afbr-600	734	3	š	š	PROPN
afbr-600	734	4	.	.	PUNCT
afbr-600	734	5	(	(	PUNCT
afbr-600	734	6	2009	2009	NUM
afbr-600	734	7	)	)	PUNCT
afbr-600	734	8	.	.	PUNCT
afbr-600	735	1	liquidity	liquidity	NOUN
afbr-600	735	2	scenario	scenario	NOUN
afbr-600	735	3	analysis	analysis	NOUN
afbr-600	735	4	in	in	ADP
afbr-600	735	5	the	the	DET
afbr-600	735	6	luxembourg	luxembourg	PROPN
afbr-600	735	7	banking	banking	NOUN
afbr-600	735	8	sector	sector	NOUN
afbr-600	735	9	.	.	PUNCT
afbr-600	736	1	bcdl	bcdl	PROPN
afbr-600	736	2	working	working	PROPN
afbr-600	736	3	paper	paper	NOUN
afbr-600	736	4	,	,	PUNCT
afbr-600	736	5	41	41	NUM
afbr-600	736	6	.	.	PUNCT
afbr-600	737	1	saunders	saunder	NOUN
afbr-600	737	2	,	,	PUNCT
afbr-600	737	3	s.	s.	PROPN
afbr-600	737	4	(	(	PUNCT
afbr-600	737	5	2010	2010	NUM
afbr-600	737	6	)	)	PUNCT
afbr-600	737	7	.	.	PUNCT
afbr-600	738	1	financial	financial	ADJ
afbr-600	738	2	markets	market	NOUN
afbr-600	738	3	and	and	CCONJ
afbr-600	738	4	institutions	institution	NOUN
afbr-600	738	5	:	:	PUNCT
afbr-600	738	6	an	an	DET
afbr-600	738	7	introduction	introduction	NOUN
afbr-600	738	8	to	to	ADP
afbr-600	738	9	the	the	DET
afbr-600	738	10	risk	risk	NOUN
afbr-600	738	11	management	management	NOUN
afbr-600	738	12	approach	approach	NOUN
afbr-600	738	13	.	.	PUNCT
afbr-600	739	1	mcgraw	mcgraw	PROPN
afbr-600	739	2	hill	hill	PROPN
afbr-600	739	3	pub	pub	PROPN
afbr-600	739	4	.	.	PUNCT
afbr-600	740	1	sesay	sesay	PROPN
afbr-600	740	2	,	,	PUNCT
afbr-600	740	3	b.	b.	PROPN
afbr-600	740	4	,	,	PUNCT
afbr-600	740	5	and	and	CCONJ
afbr-600	740	6	abdulai	abdulai	ADJ
afbr-600	740	7	,	,	PUNCT
afbr-600	740	8	b.s	b.s	PROPN
afbr-600	740	9	.	.	PUNCT
afbr-600	741	1	(	(	PUNCT
afbr-600	741	2	2017).monetary	2017).monetary	NUM
afbr-600	741	3	policy	policy	NOUN
afbr-600	741	4	effects	effect	NOUN
afbr-600	741	5	on	on	ADP
afbr-600	741	6	private	private	ADJ
afbr-600	741	7	sector	sector	NOUN
afbr-600	741	8	investment	investment	NOUN
afbr-600	741	9	:	:	PUNCT
afbr-600	741	10	evidence	evidence	NOUN
afbr-600	741	11	from	from	ADP
afbr-600	741	12	sierra	sierra	PROPN
afbr-600	741	13	leone	leone	PROPN
afbr-600	741	14	.	.	PUNCT
afbr-600	742	1	international	international	ADJ
afbr-600	742	2	journal	journal	PROPN
afbr-600	742	3	of	of	ADP
afbr-600	742	4	economics	economic	NOUN
afbr-600	742	5	and	and	CCONJ
afbr-600	742	6	financial	financial	ADJ
afbr-600	742	7	issues	issue	NOUN
afbr-600	742	8	,	,	PUNCT
afbr-600	742	9	7(1	7(1	NUM
afbr-600	742	10	)	)	PUNCT
afbr-600	742	11	,	,	PUNCT
afbr-600	742	12	476	476	NUM
afbr-600	742	13	-	-	SYM
afbr-600	742	14	488	488	NUM
afbr-600	742	15	.	.	PUNCT
afbr-600	743	1	stiglitz	stiglitz	PROPN
afbr-600	743	2	,	,	PUNCT
afbr-600	743	3	j.	j.	PROPN
afbr-600	743	4	e.	e.	PROPN
afbr-600	743	5	,	,	PUNCT
afbr-600	743	6	&	&	CCONJ
afbr-600	743	7	weiss	weiss	PROPN
afbr-600	743	8	,	,	PUNCT
afbr-600	743	9	a.	a.	NOUN
afbr-600	743	10	(	(	PUNCT
afbr-600	743	11	1981	1981	NUM
afbr-600	743	12	)	)	PUNCT
afbr-600	743	13	.	.	PUNCT
afbr-600	744	1	credit	credit	NOUN
afbr-600	744	2	rationing	ration	VERB
afbr-600	744	3	in	in	ADP
afbr-600	744	4	markets	market	NOUN
afbr-600	744	5	with	with	ADP
afbr-600	744	6	imperfection	imperfection	NOUN
afbr-600	744	7	.	.	PUNCT
afbr-600	745	1	american	american	PROPN
afbr-600	745	2	economic	economic	PROPN
afbr-600	745	3	review	review	PROPN
afbr-600	745	4	,	,	PUNCT
afbr-600	745	5	71	71	NUM
afbr-600	745	6	,	,	PUNCT
afbr-600	745	7	(	(	PUNCT
afbr-600	745	8	3	3	NUM
afbr-600	745	9	)	)	PUNCT
afbr-600	745	10	,	,	PUNCT
afbr-600	745	11	16	16	NUM
afbr-600	745	12	-	-	SYM
afbr-600	745	13	36	36	NUM
afbr-600	745	14	.	.	PUNCT
afbr-600	746	1	ubesie1	ubesie1	PROPN
afbr-600	746	2	,	,	PUNCT
afbr-600	746	3	c.m	c.m	PROPN
afbr-600	746	4	.	.	PROPN
afbr-600	746	5	,	,	PUNCT
afbr-600	746	6	echekoba	echekoba	PROPN
afbr-600	746	7	,	,	PUNCT
afbr-600	746	8	f.n	f.n	PROPN
afbr-600	746	9	.	.	PROPN
afbr-600	746	10	,	,	PUNCT
afbr-600	746	11	chris	chris	PROPN
afbr-600	746	12	-	-	PUNCT
afbr-600	746	13	ejiogu	ejiogu	PROPN
afbr-600	746	14	,	,	PUNCT
afbr-600	746	15	u.g	u.g	PROPN
afbr-600	746	16	.	.	PROPN
afbr-600	746	17	and	and	CCONJ
afbr-600	746	18	ananwude	ananwude	VERB
afbr-600	746	19	,	,	PUNCT
afbr-600	746	20	a.c	a.c	PROPN
afbr-600	746	21	.	.	PROPN
afbr-600	746	22	(	(	PUNCT
afbr-600	746	23	2019	2019	NUM
afbr-600	746	24	)	)	PUNCT
afbr-600	746	25	.	.	PUNCT
afbr-600	747	1	sectoral	sectoral	ADJ
afbr-600	747	2	allocation	allocation	NOUN
afbr-600	747	3	of	of	ADP
afbr-600	747	4	deposit	deposit	NOUN
afbr-600	747	5	money	money	NOUN
afbr-600	747	6	banks	bank	NOUN
afbr-600	747	7	’	'	PUNCT
afbr-600	747	8	credit	credit	NOUN
afbr-600	747	9	and	and	CCONJ
afbr-600	747	10	the	the	DET
afbr-600	747	11	growth	growth	NOUN
afbr-600	747	12	of	of	ADP
afbr-600	747	13	nigerian	nigerian	ADJ
afbr-600	747	14	real	real	ADJ
afbr-600	747	15	economy	economy	NOUN
afbr-600	747	16	:	:	PUNCT
afbr-600	747	17	a	a	DET
afbr-600	747	18	disaggregated	disaggregate	VERB
afbr-600	747	19	analysis	analysis	NOUN
afbr-600	747	20	(	(	PUNCT
afbr-600	747	21	2008q1	2008q1	NUM
afbr-600	747	22	–	–	PUNCT
afbr-600	747	23	2017q4	2017q4	NUM
afbr-600	747	24	)	)	PUNCT
afbr-600	747	25	.	.	PUNCT
afbr-600	748	1	journal	journal	PROPN
afbr-600	748	2	of	of	ADP
afbr-600	748	3	economics	economic	NOUN
afbr-600	748	4	,	,	PUNCT
afbr-600	748	5	management	management	NOUN
afbr-600	748	6	and	and	CCONJ
afbr-600	748	7	trade	trade	NOUN
afbr-600	748	8	22(1	22(1	NUM
afbr-600	748	9	):	):	PUNCT
afbr-600	748	10	1	1	NUM
afbr-600	748	11	-	-	SYM
afbr-600	748	12	22	22	NUM
afbr-600	748	13	,	,	PUNCT
afbr-600	748	14	2019	2019	NUM
afbr-600	748	15	.	.	PUNCT
afbr-600	749	1	william	william	PROPN
afbr-600	749	2	,	,	PUNCT
afbr-600	749	3	o.	o.	PROPN
afbr-600	749	4	,	,	PUNCT
afbr-600	749	5	zehou	zehou	PROPN
afbr-600	749	6	,	,	PUNCT
afbr-600	749	7	s.	s.	PROPN
afbr-600	749	8	&	&	CCONJ
afbr-600	749	9	hazimi	hazimi	PROPN
afbr-600	749	10	,	,	PUNCT
afbr-600	749	11	b.h	b.h	PROPN
afbr-600	749	12	.	.	PROPN
afbr-600	749	13	,	,	PUNCT
afbr-600	749	14	(	(	PUNCT
afbr-600	749	15	2019	2019	NUM
afbr-600	749	16	)	)	PUNCT
afbr-600	749	17	.	.	PUNCT
afbr-600	750	1	determinants	determinant	NOUN
afbr-600	750	2	of	of	ADP
afbr-600	750	3	domestic	domestic	ADJ
afbr-600	750	4	credit	credit	NOUN
afbr-600	750	5	to	to	ADP
afbr-600	750	6	the	the	DET
afbr-600	750	7	private	private	ADJ
afbr-600	750	8	sector	sector	NOUN
afbr-600	750	9	in	in	ADP
afbr-600	750	10	ghana	ghana	PROPN
afbr-600	750	11	:	:	PUNCT
afbr-600	750	12	application	application	NOUN
afbr-600	750	13	of	of	ADP
afbr-600	750	14	vector	vector	NOUN
afbr-600	750	15	auto	auto	NOUN
afbr-600	750	16	regressive	regressive	ADJ
afbr-600	750	17	method	method	NOUN
afbr-600	750	18	.	.	PUNCT
afbr-600	751	1	advances	advance	NOUN
afbr-600	751	2	in	in	ADP
afbr-600	751	3	social	social	ADJ
afbr-600	751	4	science	science	NOUN
afbr-600	751	5	,	,	PUNCT
afbr-600	751	6	education	education	NOUN
afbr-600	751	7	and	and	CCONJ
afbr-600	751	8	humanities	humanity	NOUN
afbr-600	751	9	research	research	NOUN
afbr-600	751	10	,	,	PUNCT
afbr-600	751	11	volume	volume	NOUN
afbr-600	751	12	309	309	NUM
afbr-600	751	13	.	.	PUNCT
afbr-600	752	1	copyrights	copyright	VERB
afbr-600	752	2	copyright	copyright	NOUN
afbr-600	752	3	for	for	ADP
afbr-600	752	4	this	this	DET
afbr-600	752	5	article	article	NOUN
afbr-600	752	6	is	be	AUX
afbr-600	752	7	retained	retain	VERB
afbr-600	752	8	by	by	ADP
afbr-600	752	9	the	the	DET
afbr-600	752	10	author(s	author(s	PROPN
afbr-600	752	11	)	)	PUNCT
afbr-600	752	12	,	,	PUNCT
afbr-600	752	13	with	with	ADP
afbr-600	752	14	first	first	ADJ
afbr-600	752	15	publication	publication	NOUN
afbr-600	752	16	rights	right	NOUN
afbr-600	752	17	granted	grant	VERB
afbr-600	752	18	to	to	ADP
afbr-600	752	19	the	the	DET
afbr-600	752	20	journal	journal	NOUN
afbr-600	752	21	.	.	PUNCT
afbr-600	753	1	this	this	PRON
afbr-600	753	2	is	be	AUX
afbr-600	753	3	an	an	DET
afbr-600	753	4	open	open	ADJ
afbr-600	753	5	-	-	PUNCT
afbr-600	753	6	access	access	NOUN
afbr-600	753	7	article	article	NOUN
afbr-600	753	8	distributed	distribute	VERB
afbr-600	753	9	under	under	ADP
afbr-600	753	10	the	the	DET
afbr-600	753	11	terms	term	NOUN
afbr-600	753	12	and	and	CCONJ
afbr-600	753	13	conditions	condition	NOUN
afbr-600	753	14	of	of	ADP
afbr-600	753	15	the	the	DET
afbr-600	753	16	creative	creative	ADJ
afbr-600	753	17	commons	common	NOUN
afbr-600	753	18	attribution	attribution	NOUN
afbr-600	753	19	license	license	NOUN
afbr-600	753	20	(	(	PUNCT
afbr-600	753	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
afbr-600	753	22	)	)	PUNCT
afbr-600	753	23	.	.	PUNCT