id	sid	tid	token	lemma	pos
afbr-70	1	1	contents	content	NOUN
afbr-70	1	2	australian	australian	ADJ
afbr-70	1	3	finance	finance	NOUN
afbr-70	1	4	&	&	CCONJ
afbr-70	1	5	banking	banking	PROPN
afbr-70	1	6	review	review	PROPN
afbr-70	1	7	vol	vol	NOUN
afbr-70	1	8	.	.	PROPN
afbr-70	2	1	1	1	NUM
afbr-70	2	2	,	,	PUNCT
afbr-70	2	3	no	no	INTJ
afbr-70	2	4	.	.	NOUN
afbr-70	2	5	1	1	NUM
afbr-70	2	6	;	;	PUNCT
afbr-70	2	7	2017	2017	NUM
afbr-70	2	8	published	publish	VERB
afbr-70	2	9	by	by	ADP
afbr-70	2	10	centre	centre	NOUN
afbr-70	2	11	for	for	ADP
afbr-70	2	12	research	research	NOUN
afbr-70	2	13	on	on	ADP
afbr-70	2	14	islamic	islamic	ADJ
afbr-70	2	15	banking	banking	PROPN
afbr-70	2	16	&	&	CCONJ
afbr-70	2	17	finance	finance	PROPN
afbr-70	2	18	and	and	CCONJ
afbr-70	2	19	business	business	NOUN
afbr-70	2	20	1	1	NUM
afbr-70	2	21	exploration	exploration	NOUN
afbr-70	2	22	of	of	ADP
afbr-70	2	23	micro	micro	ADJ
afbr-70	2	24	-	-	ADJ
afbr-70	2	25	finance	finance	ADJ
afbr-70	2	26	banking	banking	NOUN
afbr-70	2	27	policies	policy	NOUN
afbr-70	2	28	and	and	CCONJ
afbr-70	2	29	strategies	strategy	NOUN
afbr-70	2	30	for	for	ADP
afbr-70	2	31	poverty	poverty	NOUN
afbr-70	2	32	reduction	reduction	NOUN
afbr-70	2	33	in	in	ADP
afbr-70	2	34	nigeria	nigeria	PROPN
afbr-70	2	35	umar	umar	PROPN
afbr-70	2	36	farouk	farouk	PROPN
afbr-70	2	37	musa1	musa1	PROPN
afbr-70	3	1	inuwa	inuwa	VERB
afbr-70	3	2	baba	baba	PROPN
afbr-70	3	3	abubakar2	abubakar2	PUNCT
afbr-70	4	1	1department	1department	NUM
afbr-70	4	2	of	of	ADP
afbr-70	4	3	political	political	ADJ
afbr-70	4	4	science	science	NOUN
afbr-70	4	5	,	,	PUNCT
afbr-70	4	6	faculty	faculty	NOUN
afbr-70	4	7	of	of	ADP
afbr-70	4	8	social	social	ADJ
afbr-70	4	9	and	and	CCONJ
afbr-70	4	10	management	management	NOUN
afbr-70	4	11	sciences	science	NOUN
afbr-70	4	12	,	,	PUNCT
afbr-70	4	13	bauchi	bauchi	ADJ
afbr-70	4	14	state	state	PROPN
afbr-70	4	15	university	university	PROPN
afbr-70	4	16	,	,	PUNCT
afbr-70	4	17	gadau	gadau	NOUN
afbr-70	4	18	,	,	PUNCT
afbr-70	4	19	nigeria	nigeria	PRON
afbr-70	4	20	.	.	PUNCT
afbr-70	5	1	2bauchi	2bauchi	NUM
afbr-70	5	2	state	state	NOUN
afbr-70	5	3	debt	debt	NOUN
afbr-70	5	4	management	management	NOUN
afbr-70	5	5	agency	agency	NOUN
afbr-70	5	6	,	,	PUNCT
afbr-70	5	7	gadau	gadau	NOUN
afbr-70	5	8	,	,	PUNCT
afbr-70	5	9	nigeria	nigeria	PROPN
afbr-70	5	10	.	.	PUNCT
afbr-70	6	1	correspondence	correspondence	NOUN
afbr-70	6	2	:	:	PUNCT
afbr-70	6	3	umar	umar	PROPN
afbr-70	6	4	farouk	farouk	PROPN
afbr-70	6	5	musa	musa	PROPN
afbr-70	6	6	,	,	PUNCT
afbr-70	6	7	department	department	NOUN
afbr-70	6	8	of	of	ADP
afbr-70	6	9	political	political	ADJ
afbr-70	6	10	science	science	NOUN
afbr-70	6	11	,	,	PUNCT
afbr-70	6	12	faculty	faculty	NOUN
afbr-70	6	13	of	of	ADP
afbr-70	6	14	social	social	ADJ
afbr-70	6	15	and	and	CCONJ
afbr-70	6	16	management	management	NOUN
afbr-70	6	17	sciences	science	NOUN
afbr-70	6	18	,	,	PUNCT
afbr-70	6	19	bauchi	bauchi	ADJ
afbr-70	6	20	state	state	PROPN
afbr-70	6	21	university	university	PROPN
afbr-70	6	22	,	,	PUNCT
afbr-70	6	23	gadau	gadau	NOUN
afbr-70	6	24	,	,	PUNCT
afbr-70	6	25	nigeria	nigeria	PROPN
afbr-70	6	26	,	,	PUNCT
afbr-70	6	27	tel	tel	PROPN
afbr-70	6	28	:	:	PUNCT
afbr-70	6	29	+2348030910747	+2348030910747	NUM
afbr-70	6	30	,	,	PUNCT
afbr-70	6	31	e	e	NOUN
afbr-70	6	32	-	-	NOUN
afbr-70	6	33	mail	mail	NOUN
afbr-70	6	34	:	:	PUNCT
afbr-70	6	35	umar_farouk@gsgs.uum.edu.my	umar_farouk@gsgs.uum.edu.my	NUM
afbr-70	6	36	received	receive	VERB
afbr-70	6	37	:	:	PUNCT
afbr-70	6	38	october	october	PROPN
afbr-70	6	39	01	01	NUM
afbr-70	6	40	,	,	PUNCT
afbr-70	6	41	2017	2017	NUM
afbr-70	6	42	accepted	accept	VERB
afbr-70	6	43	:	:	PUNCT
afbr-70	6	44	october	october	PROPN
afbr-70	6	45	05	05	NUM
afbr-70	6	46	,	,	PUNCT
afbr-70	6	47	2017	2017	NUM
afbr-70	6	48	online	online	ADV
afbr-70	6	49	published	publish	VERB
afbr-70	6	50	:	:	PUNCT
afbr-70	6	51	october	october	PROPN
afbr-70	6	52	10	10	NUM
afbr-70	6	53	,	,	PUNCT
afbr-70	6	54	2017	2017	NUM
afbr-70	6	55	abstract	abstract	ADJ
afbr-70	6	56	poverty	poverty	NOUN
afbr-70	6	57	is	be	AUX
afbr-70	6	58	one	one	NUM
afbr-70	6	59	of	of	ADP
afbr-70	6	60	the	the	DET
afbr-70	6	61	socioeconomic	socioeconomic	ADJ
afbr-70	6	62	challenges	challenge	NOUN
afbr-70	6	63	bed	bed	NOUN
afbr-70	6	64	evilling	eville	VERB
afbr-70	6	65	many	many	ADJ
afbr-70	6	66	families	family	NOUN
afbr-70	6	67	,	,	PUNCT
afbr-70	6	68	particularly	particularly	ADV
afbr-70	6	69	the	the	DET
afbr-70	6	70	northern	northern	ADJ
afbr-70	6	71	states	state	NOUN
afbr-70	6	72	of	of	ADP
afbr-70	6	73	nigeria	nigeria	PROPN
afbr-70	6	74	.	.	PUNCT
afbr-70	7	1	this	this	DET
afbr-70	7	2	study	study	NOUN
afbr-70	7	3	applied	apply	VERB
afbr-70	7	4	qualitative	qualitative	ADJ
afbr-70	7	5	research	research	NOUN
afbr-70	7	6	paradigm	paradigm	NOUN
afbr-70	7	7	and	and	CCONJ
afbr-70	7	8	generated	generate	VERB
afbr-70	7	9	the	the	DET
afbr-70	7	10	perceptions	perception	NOUN
afbr-70	7	11	of	of	ADP
afbr-70	7	12	informants	informant	NOUN
afbr-70	7	13	via	via	ADP
afbr-70	7	14	convinience	convinience	NOUN
afbr-70	7	15	sampling	sampling	NOUN
afbr-70	7	16	.	.	PUNCT
afbr-70	8	1	we	we	PRON
afbr-70	8	2	analyzed	analyze	VERB
afbr-70	8	3	the	the	DET
afbr-70	8	4	data	datum	NOUN
afbr-70	8	5	through	through	ADP
afbr-70	8	6	thematic	thematic	ADJ
afbr-70	8	7	,	,	PUNCT
afbr-70	8	8	narrative	narrative	NOUN
afbr-70	8	9	and	and	CCONJ
afbr-70	8	10	interactional	interactional	ADJ
afbr-70	8	11	apparoach	apparoach	NOUN
afbr-70	8	12	.	.	PUNCT
afbr-70	9	1	our	our	PRON
afbr-70	9	2	objective	objective	NOUN
afbr-70	9	3	is	be	AUX
afbr-70	9	4	to	to	PART
afbr-70	9	5	explore	explore	VERB
afbr-70	9	6	microfinance	microfinance	NOUN
afbr-70	9	7	institutions	institution	NOUN
afbr-70	9	8	strategic	strategic	ADJ
afbr-70	9	9	policies	policy	NOUN
afbr-70	9	10	for	for	ADP
afbr-70	9	11	poverty	poverty	NOUN
afbr-70	9	12	reduction	reduction	NOUN
afbr-70	9	13	and	and	CCONJ
afbr-70	9	14	recommend	recommend	VERB
afbr-70	9	15	to	to	ADP
afbr-70	9	16	policy	policy	NOUN
afbr-70	9	17	makers	maker	NOUN
afbr-70	9	18	.	.	PUNCT
afbr-70	10	1	the	the	DET
afbr-70	10	2	results	result	NOUN
afbr-70	10	3	exposed	expose	VERB
afbr-70	10	4	that	that	SCONJ
afbr-70	10	5	micro	micro	ADJ
afbr-70	10	6	financial	financial	ADJ
afbr-70	10	7	institutions	institution	NOUN
afbr-70	10	8	were	be	AUX
afbr-70	10	9	classified	classify	VERB
afbr-70	10	10	into	into	ADP
afbr-70	10	11	formal	formal	ADJ
afbr-70	10	12	,	,	PUNCT
afbr-70	10	13	informal	informal	ADJ
afbr-70	10	14	,	,	PUNCT
afbr-70	10	15	development	development	NOUN
afbr-70	10	16	and	and	CCONJ
afbr-70	10	17	those	those	PRON
afbr-70	10	18	with	with	ADP
afbr-70	10	19	mortgage	mortgage	NOUN
afbr-70	10	20	outlook.the	outlook.the	DET
afbr-70	10	21	central	central	ADJ
afbr-70	10	22	bank	bank	PROPN
afbr-70	10	23	of	of	ADP
afbr-70	10	24	nigeria	nigeria	PROPN
afbr-70	10	25	issue	issue	VERB
afbr-70	10	26	the	the	DET
afbr-70	10	27	certificate	certificate	NOUN
afbr-70	10	28	for	for	ADP
afbr-70	10	29	authorization	authorization	NOUN
afbr-70	10	30	,	,	PUNCT
afbr-70	10	31	the	the	DET
afbr-70	10	32	licensing	licensing	NOUN
afbr-70	10	33	and	and	CCONJ
afbr-70	10	34	ownership	ownership	NOUN
afbr-70	10	35	.	.	PUNCT
afbr-70	11	1	the	the	DET
afbr-70	11	2	paid	pay	VERB
afbr-70	11	3	-	-	PUNCT
afbr-70	11	4	up	up	ADP
afbr-70	11	5	capital	capital	NOUN
afbr-70	11	6	requirements	requirement	NOUN
afbr-70	11	7	,	,	PUNCT
afbr-70	11	8	the	the	DET
afbr-70	11	9	permissible	permissible	ADJ
afbr-70	11	10	and	and	CCONJ
afbr-70	11	11	acceptance	acceptance	NOUN
afbr-70	11	12	of	of	ADP
afbr-70	11	13	deposits	deposit	NOUN
afbr-70	11	14	,	,	PUNCT
afbr-70	11	15	savings	saving	NOUN
afbr-70	11	16	from	from	ADP
afbr-70	11	17	individuals	individual	NOUN
afbr-70	11	18	,	,	PUNCT
afbr-70	11	19	groups	group	NOUN
afbr-70	11	20	and	and	CCONJ
afbr-70	11	21	associations	association	NOUN
afbr-70	11	22	were	be	AUX
afbr-70	11	23	the	the	DET
afbr-70	11	24	policies	policy	NOUN
afbr-70	11	25	which	which	PRON
afbr-70	11	26	propel	propel	VERB
afbr-70	11	27	these	these	DET
afbr-70	11	28	institutions	institution	NOUN
afbr-70	11	29	.	.	PUNCT
afbr-70	12	1	the	the	DET
afbr-70	12	2	non	non	ADJ
afbr-70	12	3	-	-	ADJ
afbr-70	12	4	permissible	permissible	ADJ
afbr-70	12	5	policies	policy	NOUN
afbr-70	12	6	are	be	AUX
afbr-70	12	7	restrictions	restriction	NOUN
afbr-70	12	8	on	on	ADP
afbr-70	12	9	acceptance	acceptance	NOUN
afbr-70	12	10	of	of	ADP
afbr-70	12	11	public	public	ADJ
afbr-70	12	12	sector	sector	NOUN
afbr-70	12	13	deposits	deposit	NOUN
afbr-70	12	14	.	.	PUNCT
afbr-70	13	1	the	the	DET
afbr-70	13	2	study	study	NOUN
afbr-70	13	3	identified	identify	VERB
afbr-70	13	4	inadequate	inadequate	ADJ
afbr-70	13	5	supervsions	supervsion	NOUN
afbr-70	13	6	and	and	CCONJ
afbr-70	13	7	loans	loan	NOUN
afbr-70	13	8	defaults	default	NOUN
afbr-70	13	9	,	,	PUNCT
afbr-70	13	10	poor	poor	ADJ
afbr-70	13	11	infrasturectural	infrasturectural	ADJ
afbr-70	13	12	facilities	facility	NOUN
afbr-70	13	13	in	in	ADP
afbr-70	13	14	rural	rural	ADJ
afbr-70	13	15	areas	area	NOUN
afbr-70	13	16	,	,	PUNCT
afbr-70	13	17	pitiable	pitiable	ADJ
afbr-70	13	18	communication	communication	NOUN
afbr-70	13	19	and	and	CCONJ
afbr-70	13	20	derisory	derisory	ADJ
afbr-70	13	21	banking	banking	NOUN
afbr-70	13	22	experience	experience	NOUN
afbr-70	13	23	among	among	ADP
afbr-70	13	24	the	the	DET
afbr-70	13	25	poor	poor	ADJ
afbr-70	13	26	and	and	CCONJ
afbr-70	13	27	low	low	ADJ
afbr-70	13	28	income	income	NOUN
afbr-70	13	29	earners	earner	NOUN
afbr-70	13	30	,	,	PUNCT
afbr-70	13	31	limited	limited	ADJ
afbr-70	13	32	standardization	standardization	NOUN
afbr-70	13	33	and	and	CCONJ
afbr-70	13	34	operating	operating	NOUN
afbr-70	13	35	system	system	NOUN
afbr-70	13	36	as	as	ADV
afbr-70	13	37	well	well	ADV
afbr-70	13	38	hampered	hamper	VERB
afbr-70	13	39	their	their	PRON
afbr-70	13	40	services	service	NOUN
afbr-70	13	41	in	in	ADP
afbr-70	13	42	the	the	DET
afbr-70	13	43	quest	quest	NOUN
afbr-70	13	44	to	to	PART
afbr-70	13	45	mitigate	mitigate	VERB
afbr-70	13	46	poverty	poverty	NOUN
afbr-70	13	47	in	in	ADP
afbr-70	13	48	the	the	DET
afbr-70	13	49	study	study	NOUN
afbr-70	13	50	area.the	area.the	DET
afbr-70	13	51	re	re	NOUN
afbr-70	13	52	-	-	NOUN
afbr-70	13	53	capitalization	capitalization	NOUN
afbr-70	13	54	,	,	PUNCT
afbr-70	13	55	efffective	efffective	ADJ
afbr-70	13	56	regulatory	regulatory	ADJ
afbr-70	13	57	control	control	NOUN
afbr-70	13	58	via	via	ADP
afbr-70	13	59	financial	financial	ADJ
afbr-70	13	60	control	control	NOUN
afbr-70	13	61	,	,	PUNCT
afbr-70	13	62	regularly	regularly	ADV
afbr-70	13	63	supervision	supervision	NOUN
afbr-70	13	64	,	,	PUNCT
afbr-70	13	65	checks	check	NOUN
afbr-70	13	66	and	and	CCONJ
afbr-70	13	67	balances	balance	NOUN
afbr-70	13	68	.	.	PUNCT
afbr-70	14	1	capacity	capacity	NOUN
afbr-70	14	2	building	building	NOUN
afbr-70	14	3	programs	program	NOUN
afbr-70	14	4	and	and	CCONJ
afbr-70	14	5	proper	proper	ADJ
afbr-70	14	6	staffing.provision	staffing.provision	NOUN
afbr-70	14	7	of	of	ADP
afbr-70	14	8	appropriate	appropriate	ADJ
afbr-70	14	9	business	business	NOUN
afbr-70	14	10	model	model	NOUN
afbr-70	14	11	;	;	PUNCT
afbr-70	14	12	strategies	strategy	NOUN
afbr-70	14	13	and	and	CCONJ
afbr-70	14	14	creation	creation	NOUN
afbr-70	14	15	of	of	ADP
afbr-70	14	16	awareness	awareness	NOUN
afbr-70	14	17	.	.	PUNCT
afbr-70	15	1	the	the	DET
afbr-70	15	2	provision	provision	NOUN
afbr-70	15	3	of	of	ADP
afbr-70	15	4	door	door	NOUN
afbr-70	15	5	to	to	PART
afbr-70	15	6	door	door	VERB
afbr-70	15	7	banking	banking	NOUN
afbr-70	15	8	marketing	marketing	NOUN
afbr-70	15	9	awareness	awareness	NOUN
afbr-70	15	10	,	,	PUNCT
afbr-70	15	11	establishment	establishment	NOUN
afbr-70	15	12	of	of	ADP
afbr-70	15	13	financial	financial	ADJ
afbr-70	15	14	literacy	literacy	NOUN
afbr-70	15	15	;	;	PUNCT
afbr-70	15	16	consumer	consumer	NOUN
afbr-70	15	17	protection	protection	NOUN
afbr-70	15	18	programs	program	NOUN
afbr-70	15	19	and	and	CCONJ
afbr-70	15	20	provision	provision	NOUN
afbr-70	15	21	of	of	ADP
afbr-70	15	22	non	non	ADJ
afbr-70	15	23	-	-	ADJ
afbr-70	15	24	interest	interest	ADJ
afbr-70	15	25	banking	banking	NOUN
afbr-70	15	26	programs	program	NOUN
afbr-70	15	27	were	be	AUX
afbr-70	15	28	perceived	perceive	VERB
afbr-70	15	29	to	to	PART
afbr-70	15	30	overcome	overcome	VERB
afbr-70	15	31	the	the	DET
afbr-70	15	32	perils	peril	NOUN
afbr-70	15	33	of	of	ADP
afbr-70	15	34	these	these	DET
afbr-70	15	35	institutions	institution	NOUN
afbr-70	15	36	respectively	respectively	ADV
afbr-70	15	37	.	.	PUNCT
afbr-70	16	1	the	the	DET
afbr-70	16	2	study	study	NOUN
afbr-70	16	3	recommended	recommend	VERB
afbr-70	16	4	for	for	ADP
afbr-70	16	5	establishment	establishment	NOUN
afbr-70	16	6	of	of	ADP
afbr-70	16	7	islamic	islamic	ADJ
afbr-70	16	8	financial	financial	ADJ
afbr-70	16	9	institutions	institution	NOUN
afbr-70	16	10	and	and	CCONJ
afbr-70	16	11	takaful	takaful	ADJ
afbr-70	16	12	insurance	insurance	NOUN
afbr-70	16	13	scheme	scheme	NOUN
afbr-70	16	14	.	.	PUNCT
afbr-70	17	1	keywords	keyword	NOUN
afbr-70	17	2	:	:	PUNCT
afbr-70	17	3	poverty	poverty	NOUN
afbr-70	17	4	reduction	reduction	NOUN
afbr-70	17	5	,	,	PUNCT
afbr-70	17	6	microfinance	microfinance	NOUN
afbr-70	17	7	institutions	institution	NOUN
afbr-70	17	8	,	,	PUNCT
afbr-70	17	9	types	type	NOUN
afbr-70	17	10	,	,	PUNCT
afbr-70	17	11	policies	policy	NOUN
afbr-70	17	12	,	,	PUNCT
afbr-70	17	13	challenges	challenge	NOUN
afbr-70	17	14	,	,	PUNCT
afbr-70	17	15	strategies	strategy	NOUN
afbr-70	17	16	.	.	PUNCT
afbr-70	18	1	1	1	X
afbr-70	18	2	.	.	X
afbr-70	18	3	introduction	introduction	NOUN
afbr-70	18	4	the	the	DET
afbr-70	18	5	expansion	expansion	NOUN
afbr-70	18	6	of	of	ADP
afbr-70	18	7	micro	micro	ADJ
afbr-70	18	8	financial	financial	ADJ
afbr-70	18	9	institutions	institution	NOUN
afbr-70	18	10	started	start	VERB
afbr-70	18	11	earlier	early	ADV
afbr-70	18	12	in	in	ADP
afbr-70	18	13	the	the	DET
afbr-70	18	14	form	form	NOUN
afbr-70	18	15	of	of	ADP
afbr-70	18	16	informal	informal	ADJ
afbr-70	18	17	cooperatives	cooperative	NOUN
afbr-70	18	18	societies	society	NOUN
afbr-70	18	19	,	,	PUNCT
afbr-70	18	20	micro	micro	ADJ
afbr-70	18	21	credit	credit	NOUN
afbr-70	18	22	and	and	CCONJ
afbr-70	18	23	savings	saving	NOUN
afbr-70	18	24	by	by	ADP
afbr-70	18	25	various	various	ADJ
afbr-70	18	26	communities	community	NOUN
afbr-70	18	27	in	in	ADP
afbr-70	18	28	nigeria	nigeria	PROPN
afbr-70	18	29	(	(	PUNCT
afbr-70	18	30	taiwo	taiwo	PROPN
afbr-70	18	31	,	,	PUNCT
afbr-70	18	32	alege	alege	PROPN
afbr-70	18	33	&	&	CCONJ
afbr-70	18	34	olokoyo	olokoyo	PROPN
afbr-70	18	35	,	,	PUNCT
afbr-70	18	36	2016	2016	NUM
afbr-70	18	37	)	)	PUNCT
afbr-70	18	38	.	.	PUNCT
afbr-70	19	1	however	however	ADV
afbr-70	19	2	,	,	PUNCT
afbr-70	19	3	the	the	DET
afbr-70	19	4	establishment	establishment	NOUN
afbr-70	19	5	of	of	ADP
afbr-70	19	6	grameen	grameen	PROPN
afbr-70	19	7	bank	bank	PROPN
afbr-70	19	8	in	in	ADP
afbr-70	19	9	bangladesh	bangladesh	NOUN
afbr-70	19	10	in	in	ADP
afbr-70	19	11	the	the	DET
afbr-70	19	12	1970s	1970	NOUN
afbr-70	19	13	led	lead	VERB
afbr-70	19	14	to	to	ADP
afbr-70	19	15	the	the	DET
afbr-70	19	16	adoption	adoption	NOUN
afbr-70	19	17	of	of	ADP
afbr-70	19	18	modern	modern	ADJ
afbr-70	19	19	formal	formal	ADJ
afbr-70	19	20	financial	financial	ADJ
afbr-70	19	21	exploration	exploration	NOUN
afbr-70	19	22	of	of	ADP
afbr-70	19	23	micro	micro	ADJ
afbr-70	19	24	-	-	ADJ
afbr-70	19	25	finance	finance	ADJ
afbr-70	19	26	banking	banking	NOUN
afbr-70	19	27	policies	policy	NOUN
afbr-70	19	28	and	and	CCONJ
afbr-70	19	29	strategies	strategy	NOUN
afbr-70	19	30	for	for	ADP
afbr-70	19	31	poverty	poverty	NOUN
afbr-70	19	32	reduction	reduction	NOUN
afbr-70	19	33	in	in	ADP
afbr-70	19	34	nigeria	nigeria	PROPN
afbr-70	19	35	umar	umar	PROPN
afbr-70	19	36	farouk	farouk	PROPN
afbr-70	19	37	musa	musa	PROPN
afbr-70	19	38	and	and	CCONJ
afbr-70	19	39	inuwa	inuwa	VERB
afbr-70	19	40	baba	baba	PROPN
afbr-70	19	41	abubakar	abubakar	PROPN
afbr-70	19	42	2	2	NUM
afbr-70	19	43	institutions	institution	NOUN
afbr-70	19	44	and	and	CCONJ
afbr-70	19	45	banks	bank	NOUN
afbr-70	19	46	in	in	ADP
afbr-70	19	47	many	many	ADJ
afbr-70	19	48	developing	develop	VERB
afbr-70	19	49	countries	country	NOUN
afbr-70	19	50	.	.	PUNCT
afbr-70	20	1	in	in	ADP
afbr-70	20	2	the	the	DET
afbr-70	20	3	same	same	ADJ
afbr-70	20	4	vein	vein	NOUN
afbr-70	20	5	,	,	PUNCT
afbr-70	20	6	the	the	DET
afbr-70	20	7	government	government	NOUN
afbr-70	20	8	of	of	ADP
afbr-70	20	9	nigeria	nigeria	PROPN
afbr-70	20	10	established	establish	VERB
afbr-70	20	11	various	various	ADJ
afbr-70	20	12	policies	policy	NOUN
afbr-70	20	13	and	and	CCONJ
afbr-70	20	14	programs	program	NOUN
afbr-70	20	15	to	to	PART
afbr-70	20	16	cover	cover	VERB
afbr-70	20	17	65	65	NUM
afbr-70	20	18	percent	percent	NOUN
afbr-70	20	19	of	of	ADP
afbr-70	20	20	the	the	DET
afbr-70	20	21	economically	economically	ADV
afbr-70	20	22	active	active	ADJ
afbr-70	20	23	population	population	NOUN
afbr-70	20	24	by	by	ADP
afbr-70	20	25	the	the	DET
afbr-70	20	26	year	year	NOUN
afbr-70	20	27	2020	2020	NUM
afbr-70	20	28	,	,	PUNCT
afbr-70	20	29	improve	improve	VERB
afbr-70	20	30	the	the	DET
afbr-70	20	31	services	service	NOUN
afbr-70	20	32	of	of	ADP
afbr-70	20	33	micro	micro	ADJ
afbr-70	20	34	credit	credit	NOUN
afbr-70	20	35	schemes	scheme	NOUN
afbr-70	20	36	,	,	PUNCT
afbr-70	20	37	increase	increase	VERB
afbr-70	20	38	women	woman	NOUN
afbr-70	20	39	access	access	NOUN
afbr-70	20	40	to	to	ADP
afbr-70	20	41	financial	financial	ADJ
afbr-70	20	42	services	service	NOUN
afbr-70	20	43	,	,	PUNCT
afbr-70	20	44	jobs	job	NOUN
afbr-70	20	45	creation	creation	NOUN
afbr-70	20	46	and	and	CCONJ
afbr-70	20	47	poverty	poverty	NOUN
afbr-70	20	48	reduction.nevertheless	reduction.nevertheless	PROPN
afbr-70	20	49	,	,	PUNCT
afbr-70	20	50	literature	literature	NOUN
afbr-70	20	51	indicated	indicate	VERB
afbr-70	20	52	an	an	DET
afbr-70	20	53	unequal	unequal	ADJ
afbr-70	20	54	distribution	distribution	NOUN
afbr-70	20	55	of	of	ADP
afbr-70	20	56	microfinance	microfinance	NOUN
afbr-70	20	57	banks	bank	NOUN
afbr-70	20	58	in	in	ADP
afbr-70	20	59	the	the	DET
afbr-70	20	60	country	country	NOUN
afbr-70	20	61	.	.	PUNCT
afbr-70	21	1	the	the	DET
afbr-70	21	2	northern	northern	ADJ
afbr-70	21	3	part	part	NOUN
afbr-70	21	4	accomodates	accomodate	VERB
afbr-70	21	5	only	only	ADV
afbr-70	21	6	25	25	NUM
afbr-70	21	7	percent	percent	NOUN
afbr-70	21	8	while	while	SCONJ
afbr-70	21	9	the	the	DET
afbr-70	21	10	southern	southern	ADJ
afbr-70	21	11	part	part	NOUN
afbr-70	21	12	of	of	ADP
afbr-70	21	13	75	75	NUM
afbr-70	21	14	percent	percent	NOUN
afbr-70	21	15	respectively.these	respectively.these	ADJ
afbr-70	21	16	imbalances	imbalance	NOUN
afbr-70	21	17	contributed	contribute	VERB
afbr-70	21	18	to	to	ADP
afbr-70	21	19	shortages	shortage	NOUN
afbr-70	21	20	of	of	ADP
afbr-70	21	21	capital	capital	NOUN
afbr-70	21	22	and	and	CCONJ
afbr-70	21	23	increased	increase	VERB
afbr-70	21	24	poverty	poverty	NOUN
afbr-70	21	25	level	level	NOUN
afbr-70	21	26	in	in	ADP
afbr-70	21	27	northern	northern	PROPN
afbr-70	21	28	nigeria	nigeria	PROPN
afbr-70	21	29	.	.	PUNCT
afbr-70	22	1	studies	study	NOUN
afbr-70	22	2	equally	equally	ADV
afbr-70	22	3	reveal	reveal	VERB
afbr-70	22	4	that	that	SCONJ
afbr-70	22	5	the	the	DET
afbr-70	22	6	northern	northern	ADJ
afbr-70	22	7	regions	region	NOUN
afbr-70	22	8	have	have	VERB
afbr-70	22	9	higher	high	ADJ
afbr-70	22	10	of	of	ADP
afbr-70	22	11	poverty	poverty	NOUN
afbr-70	22	12	indices	index	NOUN
afbr-70	22	13	for	for	ADP
afbr-70	22	14	instance	instance	NOUN
afbr-70	22	15	thenortheast	thenortheast	ADP
afbr-70	22	16	73.3	73.3	NUM
afbr-70	22	17	percent	percent	NOUN
afbr-70	22	18	,	,	PUNCT
afbr-70	22	19	west	west	NOUN
afbr-70	22	20	77.7	77.7	NUM
afbr-70	22	21	percent	percent	NOUN
afbr-70	22	22	and	and	CCONJ
afbr-70	22	23	central	central	ADJ
afbr-70	22	24	67.5	67.5	NUM
afbr-70	22	25	percent	percent	NOUN
afbr-70	22	26	.	.	PUNCT
afbr-70	23	1	these	these	DET
afbr-70	23	2	uncover	uncover	NOUN
afbr-70	23	3	that	that	SCONJ
afbr-70	23	4	the	the	DET
afbr-70	23	5	northern	northern	ADJ
afbr-70	23	6	region	region	NOUN
afbr-70	23	7	have	have	VERB
afbr-70	23	8	higher	high	ADJ
afbr-70	23	9	socio	socio	NOUN
afbr-70	23	10	-	-	PUNCT
afbr-70	23	11	economic	economic	ADJ
afbr-70	23	12	defies	defie	NOUN
afbr-70	23	13	compared	compare	VERB
afbr-70	23	14	to	to	ADP
afbr-70	23	15	the	the	DET
afbr-70	23	16	southern	southern	ADJ
afbr-70	23	17	region	region	NOUN
afbr-70	23	18	.	.	PUNCT
afbr-70	24	1	other	other	ADJ
afbr-70	24	2	challenges	challenge	NOUN
afbr-70	24	3	bed	bed	NOUN
afbr-70	24	4	eviling	evile	VERB
afbr-70	24	5	the	the	DET
afbr-70	24	6	north	north	NOUN
afbr-70	24	7	include	include	VERB
afbr-70	24	8	jobnessness	jobnessness	NOUN
afbr-70	24	9	,	,	PUNCT
afbr-70	24	10	illiteracy	illiteracy	NOUN
afbr-70	24	11	and	and	CCONJ
afbr-70	24	12	crimes	crime	NOUN
afbr-70	24	13	leading	lead	VERB
afbr-70	24	14	to	to	ADP
afbr-70	24	15	the	the	PRON
afbr-70	24	16	under	under	ADP
afbr-70	24	17	developmentof	developmentof	NOUN
afbr-70	24	18	this	this	DET
afbr-70	24	19	part	part	NOUN
afbr-70	24	20	of	of	ADP
afbr-70	24	21	the	the	DET
afbr-70	24	22	country	country	NOUN
afbr-70	24	23	(	(	PUNCT
afbr-70	24	24	acha	acha	PROPN
afbr-70	24	25	,	,	PUNCT
afbr-70	24	26	2012	2012	NUM
afbr-70	24	27	;	;	PUNCT
afbr-70	24	28	khan	khan	PROPN
afbr-70	24	29	&	&	CCONJ
afbr-70	24	30	cheri	cheri	PROPN
afbr-70	24	31	,	,	PUNCT
afbr-70	24	32	2016	2016	NUM
afbr-70	24	33	)	)	PUNCT
afbr-70	24	34	.	.	PUNCT
afbr-70	25	1	prior	prior	ADJ
afbr-70	25	2	studies	study	NOUN
afbr-70	25	3	reveals	reveal	VERB
afbr-70	25	4	that	that	SCONJ
afbr-70	25	5	insufficiency	insufficiency	NOUN
afbr-70	25	6	of	of	ADP
afbr-70	25	7	capital	capital	NOUN
afbr-70	25	8	,	,	PUNCT
afbr-70	25	9	misppropriation	misppropriation	NOUN
afbr-70	25	10	of	of	ADP
afbr-70	25	11	funds	fund	NOUN
afbr-70	25	12	,	,	PUNCT
afbr-70	25	13	frequent	frequent	ADJ
afbr-70	25	14	change	change	NOUN
afbr-70	25	15	of	of	ADP
afbr-70	25	16	government	government	NOUN
afbr-70	25	17	policies	policy	NOUN
afbr-70	25	18	,	,	PUNCT
afbr-70	25	19	inadequate	inadequate	ADJ
afbr-70	25	20	technical	technical	ADJ
afbr-70	25	21	skills	skill	NOUN
afbr-70	25	22	and	and	CCONJ
afbr-70	25	23	high	high	ADJ
afbr-70	25	24	risk	risk	NOUN
afbr-70	25	25	as	as	ADV
afbr-70	25	26	well	well	ADV
afbr-70	25	27	as	as	ADP
afbr-70	25	28	lost	lose	VERB
afbr-70	25	29	of	of	ADP
afbr-70	25	30	loans	loan	NOUN
afbr-70	25	31	recovery	recovery	NOUN
afbr-70	25	32	difficulties	difficulty	NOUN
afbr-70	25	33	were	be	AUX
afbr-70	25	34	some	some	PRON
afbr-70	25	35	of	of	ADP
afbr-70	25	36	the	the	DET
afbr-70	25	37	factors	factor	NOUN
afbr-70	25	38	militating	militate	VERB
afbr-70	25	39	against	against	ADP
afbr-70	25	40	the	the	DET
afbr-70	25	41	actvities	actvitie	NOUN
afbr-70	25	42	of	of	ADP
afbr-70	25	43	microfinancial	microfinancial	ADJ
afbr-70	25	44	banks	bank	NOUN
afbr-70	25	45	in	in	ADP
afbr-70	25	46	nigeria	nigeria	PROPN
afbr-70	25	47	(	(	PUNCT
afbr-70	25	48	edwin	edwin	PROPN
afbr-70	25	49	,	,	PUNCT
afbr-70	25	50	taiwo	taiwo	PROPN
afbr-70	25	51	,	,	PUNCT
afbr-70	25	52	yewande	yewande	NOUN
afbr-70	25	53	,	,	PUNCT
afbr-70	25	54	&	&	CCONJ
afbr-70	25	55	benson	benson	PROPN
afbr-70	25	56	,	,	PUNCT
afbr-70	25	57	2016	2016	NUM
afbr-70	25	58	)	)	PUNCT
afbr-70	25	59	.	.	PUNCT
afbr-70	26	1	literature	literature	PROPN
afbr-70	26	2	attested	attest	VERB
afbr-70	26	3	that	that	SCONJ
afbr-70	26	4	nigeria	nigeria	PROPN
afbr-70	26	5	microfinance	microfinance	NOUN
afbr-70	26	6	institutions	institution	NOUN
afbr-70	26	7	are	be	AUX
afbr-70	26	8	emerging	emerge	VERB
afbr-70	26	9	with	with	ADP
afbr-70	26	10	unique	unique	ADJ
afbr-70	26	11	structures	structure	NOUN
afbr-70	26	12	compared	compare	VERB
afbr-70	26	13	to	to	ADP
afbr-70	26	14	other	other	ADJ
afbr-70	26	15	african	african	ADJ
afbr-70	26	16	countries	country	NOUN
afbr-70	26	17	particularly	particularly	ADV
afbr-70	26	18	the	the	DET
afbr-70	26	19	formalization	formalization	NOUN
afbr-70	26	20	policy	policy	NOUN
afbr-70	26	21	of	of	ADP
afbr-70	26	22	2005	2005	NUM
afbr-70	26	23	and	and	CCONJ
afbr-70	26	24	effective	effective	ADJ
afbr-70	26	25	2008	2008	NUM
afbr-70	26	26	transform	transform	VERB
afbr-70	26	27	community	community	NOUN
afbr-70	26	28	banks	bank	NOUN
afbr-70	26	29	to	to	PART
afbr-70	26	30	mfis	mfis	VERB
afbr-70	26	31	.	.	PUNCT
afbr-70	27	1	for	for	ADP
afbr-70	27	2	instance	instance	NOUN
afbr-70	27	3	in	in	ADP
afbr-70	27	4	zambia	zambia	PROPN
afbr-70	27	5	microfinance	microfinance	NOUN
afbr-70	27	6	policies	policy	NOUN
afbr-70	27	7	were	be	AUX
afbr-70	27	8	unspecified	unspecified	ADJ
afbr-70	27	9	but	but	CCONJ
afbr-70	27	10	the	the	DET
afbr-70	27	11	government	government	NOUN
afbr-70	27	12	realizes	realize	VERB
afbr-70	27	13	the	the	DET
afbr-70	27	14	imperatives	imperative	NOUN
afbr-70	27	15	of	of	ADP
afbr-70	27	16	under	under	ADV
afbr-70	27	17	-	-	PUNCT
afbr-70	27	18	banked	bank	VERB
afbr-70	27	19	;	;	PUNCT
afbr-70	27	20	un	un	ADJ
afbr-70	27	21	-	-	ADJ
afbr-70	27	22	banked	banked	ADJ
afbr-70	27	23	financial	financial	ADJ
afbr-70	27	24	services	service	NOUN
afbr-70	27	25	for	for	ADP
afbr-70	27	26	poverty	poverty	NOUN
afbr-70	27	27	reduction	reduction	NOUN
afbr-70	27	28	and	and	CCONJ
afbr-70	27	29	established	establish	VERB
afbr-70	27	30	some	some	DET
afbr-70	27	31	regulations	regulation	NOUN
afbr-70	27	32	in	in	ADP
afbr-70	27	33	the	the	DET
afbr-70	27	34	year	year	NOUN
afbr-70	27	35	2006	2006	NUM
afbr-70	27	36	(	(	PUNCT
afbr-70	27	37	siwale	siwale	NOUN
afbr-70	27	38	&	&	CCONJ
afbr-70	27	39	okoye	okoye	PROPN
afbr-70	27	40	,	,	PUNCT
afbr-70	27	41	2017).these	2017).these	NUM
afbr-70	27	42	problems	problem	NOUN
afbr-70	27	43	motivated	motivate	VERB
afbr-70	27	44	this	this	DET
afbr-70	27	45	study	study	NOUN
afbr-70	27	46	in	in	ADP
afbr-70	27	47	order	order	NOUN
afbr-70	27	48	to	to	PART
afbr-70	27	49	explore	explore	VERB
afbr-70	27	50	the	the	DET
afbr-70	27	51	strategies	strategy	NOUN
afbr-70	27	52	to	to	PART
afbr-70	27	53	address	address	VERB
afbr-70	27	54	these	these	DET
afbr-70	27	55	imbalances	imbalance	NOUN
afbr-70	27	56	;	;	PUNCT
afbr-70	27	57	disparity	disparity	NOUN
afbr-70	27	58	affecting	affect	VERB
afbr-70	27	59	the	the	DET
afbr-70	27	60	country	country	NOUN
afbr-70	27	61	and	and	CCONJ
afbr-70	27	62	specifically	specifically	ADV
afbr-70	27	63	the	the	DET
afbr-70	27	64	north	north	NOUN
afbr-70	27	65	.	.	PUNCT
afbr-70	28	1	the	the	DET
afbr-70	28	2	study	study	NOUN
afbr-70	28	3	is	be	AUX
afbr-70	28	4	structure	structure	NOUN
afbr-70	28	5	into	into	ADP
afbr-70	28	6	introduction	introduction	NOUN
afbr-70	28	7	,	,	PUNCT
afbr-70	28	8	research	research	NOUN
afbr-70	28	9	questions	question	NOUN
afbr-70	28	10	,	,	PUNCT
afbr-70	28	11	objectives	objective	NOUN
afbr-70	28	12	,	,	PUNCT
afbr-70	28	13	and	and	CCONJ
afbr-70	28	14	research	research	NOUN
afbr-70	28	15	methodology	methodology	NOUN
afbr-70	28	16	and	and	CCONJ
afbr-70	28	17	data	datum	NOUN
afbr-70	28	18	analysis	analysis	NOUN
afbr-70	28	19	.	.	PUNCT
afbr-70	29	1	four	four	NUM
afbr-70	29	2	interview	interview	NOUN
afbr-70	29	3	protocols	protocol	NOUN
afbr-70	29	4	were	be	AUX
afbr-70	29	5	developed	develop	VERB
afbr-70	29	6	as	as	ADV
afbr-70	29	7	well	well	ADV
afbr-70	29	8	as	as	ADP
afbr-70	29	9	literature	literature	NOUN
afbr-70	29	10	review	review	NOUN
afbr-70	29	11	on	on	ADP
afbr-70	29	12	the	the	DET
afbr-70	29	13	concept	concept	NOUN
afbr-70	29	14	of	of	ADP
afbr-70	29	15	microfinance	microfinance	NOUN
afbr-70	29	16	and	and	CCONJ
afbr-70	29	17	poverty.a	poverty.a	DET
afbr-70	29	18	thematic	thematic	ADJ
afbr-70	29	19	analysis	analysis	NOUN
afbr-70	29	20	was	be	AUX
afbr-70	29	21	applied	apply	VERB
afbr-70	29	22	in	in	ADP
afbr-70	29	23	aswering	aswere	VERB
afbr-70	29	24	the	the	DET
afbr-70	29	25	research	research	NOUN
afbr-70	29	26	questions	question	NOUN
afbr-70	29	27	.	.	PUNCT
afbr-70	30	1	the	the	DET
afbr-70	30	2	results	result	NOUN
afbr-70	30	3	were	be	AUX
afbr-70	30	4	discussed	discuss	VERB
afbr-70	30	5	and	and	CCONJ
afbr-70	30	6	corroborated	corroborate	VERB
afbr-70	30	7	by	by	ADP
afbr-70	30	8	previous	previous	ADJ
afbr-70	30	9	studies.the	studies.the	ADJ
afbr-70	30	10	recommendations	recommendation	NOUN
afbr-70	30	11	;	;	PUNCT
afbr-70	30	12	conclusion	conclusion	NOUN
afbr-70	30	13	and	and	CCONJ
afbr-70	30	14	references	reference	NOUN
afbr-70	30	15	were	be	AUX
afbr-70	30	16	as	as	SCONJ
afbr-70	30	17	encapsulated	encapsulate	VERB
afbr-70	30	18	.	.	PUNCT
afbr-70	31	1	1.1	1.1	NUM
afbr-70	31	2	research	research	NOUN
afbr-70	31	3	questions	question	NOUN
afbr-70	31	4			NOUN
afbr-70	32	1	what	what	PRON
afbr-70	32	2	are	be	AUX
afbr-70	32	3	thetypes	thetype	NOUN
afbr-70	32	4	and	and	CCONJ
afbr-70	32	5	policies	policy	NOUN
afbr-70	32	6	established	establish	VERB
afbr-70	32	7	for	for	ADP
afbr-70	32	8	micro	micro	ADJ
afbr-70	32	9	-	-	ADJ
afbr-70	32	10	finance	finance	ADJ
afbr-70	32	11	institutions	institution	NOUN
afbr-70	32	12	to	to	PART
afbr-70	32	13	reduce	reduce	VERB
afbr-70	32	14	poverty	poverty	NOUN
afbr-70	32	15	?	?	PUNCT
afbr-70	33	1			NOUN
afbr-70	33	2	what	what	PRON
afbr-70	33	3	are	be	AUX
afbr-70	33	4	the	the	DET
afbr-70	33	5	strategies	strategy	NOUN
afbr-70	33	6	to	to	PART
afbr-70	33	7	improvethe	improvethe	VERB
afbr-70	33	8	servicesof	servicesof	PROPN
afbr-70	33	9	micro	micro	ADJ
afbr-70	33	10	-	-	ADJ
afbr-70	33	11	finance	finance	ADJ
afbr-70	33	12	institutions	institution	NOUN
afbr-70	33	13	to	to	PART
afbr-70	33	14	reduce	reduce	VERB
afbr-70	33	15	poverty	poverty	NOUN
afbr-70	33	16	in	in	ADP
afbr-70	33	17	nigeria	nigeria	PROPN
afbr-70	33	18	?	?	PUNCT
afbr-70	34	1	2	2	X
afbr-70	34	2	.	.	X
afbr-70	34	3	research	research	NOUN
afbr-70	34	4	objectives	objective	NOUN
afbr-70	34	5			PRON
afbr-70	34	6	to	to	PART
afbr-70	34	7	identify	identify	VERB
afbr-70	34	8	the	the	DET
afbr-70	34	9	tyes	tye	NOUN
afbr-70	34	10	and	and	CCONJ
afbr-70	34	11	policies	policy	NOUN
afbr-70	34	12	established	establish	VERB
afbr-70	34	13	onmicro	onmicro	NOUN
afbr-70	34	14	-	-	ADJ
afbr-70	34	15	financal	financal	ADJ
afbr-70	34	16	institutions	institution	NOUN
afbr-70	34	17	to	to	PART
afbr-70	34	18	reduce	reduce	VERB
afbr-70	34	19	poverty	poverty	NOUN
afbr-70	34	20	.	.	PUNCT
afbr-70	35	1			X
afbr-70	35	2	to	to	PART
afbr-70	35	3	explore	explore	VERB
afbr-70	35	4	the	the	DET
afbr-70	35	5	strategies	strategy	NOUN
afbr-70	35	6	of	of	ADP
afbr-70	35	7	improving	improve	VERB
afbr-70	35	8	the	the	DET
afbr-70	35	9	services	service	NOUN
afbr-70	35	10	micro	micro	ADJ
afbr-70	35	11	-	-	ADJ
afbr-70	35	12	financial	financial	ADJ
afbr-70	35	13	institutions	institution	NOUN
afbr-70	35	14	to	to	PART
afbr-70	35	15	reduce	reduce	VERB
afbr-70	35	16	poverty	poverty	NOUN
afbr-70	35	17	.	.	PUNCT
afbr-70	36	1	3	3	X
afbr-70	36	2	.	.	X
afbr-70	36	3	research	research	NOUN
afbr-70	36	4	methodology	methodology	NOUN
afbr-70	36	5	this	this	DET
afbr-70	36	6	study	study	NOUN
afbr-70	36	7	applied	apply	VERB
afbr-70	36	8	the	the	DET
afbr-70	36	9	qualitative	qualitative	ADJ
afbr-70	36	10	research	research	NOUN
afbr-70	36	11	design	design	NOUN
afbr-70	36	12	;	;	PUNCT
afbr-70	36	13	exploratory	exploratory	ADJ
afbr-70	36	14	approach	approach	NOUN
afbr-70	36	15	and	and	CCONJ
afbr-70	36	16	convinience	convinience	NOUN
afbr-70	36	17	as	as	ADV
afbr-70	36	18	well	well	ADV
afbr-70	36	19	as	as	ADP
afbr-70	36	20	snowball	snowball	ADJ
afbr-70	36	21	sampling	sample	VERB
afbr-70	36	22	framework	framework	NOUN
afbr-70	36	23	.	.	PUNCT
afbr-70	37	1	the	the	DET
afbr-70	37	2	population	population	NOUN
afbr-70	37	3	of	of	ADP
afbr-70	37	4	the	the	DET
afbr-70	37	5	study	study	NOUN
afbr-70	37	6	covers	cover	VERB
afbr-70	37	7	the	the	DET
afbr-70	37	8	northern	northern	ADJ
afbr-70	37	9	states	state	NOUN
afbr-70	37	10	of	of	ADP
afbr-70	37	11	bauchi	bauchi	NOUN
afbr-70	37	12	,	,	PUNCT
afbr-70	37	13	jigawa	jigawa	PROPN
afbr-70	37	14	,	,	PUNCT
afbr-70	37	15	niger	niger	NOUN
afbr-70	37	16	and	and	CCONJ
afbr-70	37	17	kano	kano	PROPN
afbr-70	37	18	states	state	NOUN
afbr-70	37	19	.	.	PUNCT
afbr-70	38	1	literature	literature	NOUN
afbr-70	38	2	indicated	indicate	VERB
afbr-70	38	3	that	that	SCONJ
afbr-70	38	4	bauchi	bauchi	NOUN
afbr-70	38	5	and	and	CCONJ
afbr-70	38	6	jigawa	jigawa	PROPN
afbr-70	38	7	state	state	PROPN
afbr-70	38	8	have	have	VERB
afbr-70	38	9	high	high	ADJ
afbr-70	38	10	rate	rate	NOUN
afbr-70	38	11	of	of	ADP
afbr-70	38	12	poverty	poverty	NOUN
afbr-70	38	13	;	;	PUNCT
afbr-70	38	14	while	while	SCONJ
afbr-70	38	15	kano	kano	PROPN
afbr-70	38	16	have	have	VERB
afbr-70	38	17	high	high	ADJ
afbr-70	38	18	concentration	concentration	NOUN
afbr-70	38	19	of	of	ADP
afbr-70	38	20	microfinance	microfinance	NOUN
afbr-70	38	21	institutions	institution	NOUN
afbr-70	38	22	in	in	ADP
afbr-70	38	23	the	the	DET
afbr-70	38	24	northern	northern	PROPN
afbr-70	38	25	nigeria	nigeria	PROPN
afbr-70	38	26	while	while	SCONJ
afbr-70	38	27	niger	niger	NOUN
afbr-70	38	28	state	state	NOUN
afbr-70	38	29	have	have	VERB
afbr-70	38	30	high	high	ADJ
afbr-70	38	31	agricultural	agricultural	ADJ
afbr-70	38	32	potentials	potential	NOUN
afbr-70	38	33	.	.	PUNCT
afbr-70	39	1	the	the	DET
afbr-70	39	2	data	datum	NOUN
afbr-70	39	3	was	be	AUX
afbr-70	39	4	collected	collect	VERB
afbr-70	39	5	from	from	ADP
afbr-70	39	6	lecturers	lecturer	NOUN
afbr-70	39	7	,	,	PUNCT
afbr-70	39	8	bankers	banker	NOUN
afbr-70	39	9	,	,	PUNCT
afbr-70	39	10	individual	individual	ADJ
afbr-70	39	11	customers	customer	NOUN
afbr-70	39	12	of	of	ADP
afbr-70	39	13	micro	micro	ADJ
afbr-70	39	14	financial	financial	ADJ
afbr-70	39	15	institutions	institution	NOUN
afbr-70	39	16	and	and	CCONJ
afbr-70	39	17	the	the	DET
afbr-70	39	18	poor	poor	ADJ
afbr-70	39	19	alike.the	alike.the	PRON
afbr-70	39	20	study	study	NOUN
afbr-70	39	21	also	also	ADV
afbr-70	39	22	adopted	adopt	VERB
afbr-70	39	23	semi	semi	ADJ
afbr-70	39	24	-	-	ADJ
afbr-70	39	25	structured	structured	ADJ
afbr-70	39	26	interview	interview	NOUN
afbr-70	39	27	and	and	CCONJ
afbr-70	39	28	generated	generate	VERB
afbr-70	39	29	relevant	relevant	ADJ
afbr-70	39	30	data	datum	NOUN
afbr-70	39	31	,	,	PUNCT
afbr-70	39	32	thereby	thereby	ADV
afbr-70	39	33	achieving	achieve	VERB
afbr-70	39	34	the	the	DET
afbr-70	39	35	stated	stated	ADJ
afbr-70	39	36	research	research	NOUN
afbr-70	39	37	objectives	objective	NOUN
afbr-70	39	38	.	.	PUNCT
afbr-70	40	1	we	we	PRON
afbr-70	40	2	employed	employ	VERB
afbr-70	40	3	this	this	DET
afbr-70	40	4	approach	approach	NOUN
afbr-70	40	5	due	due	ADJ
afbr-70	40	6	its	its	PRON
afbr-70	40	7	adaptability	adaptability	NOUN
afbr-70	40	8	,	,	PUNCT
afbr-70	40	9	flexibility	flexibility	NOUN
afbr-70	40	10	and	and	CCONJ
afbr-70	40	11	compliance	compliance	NOUN
afbr-70	40	12	to	to	ADP
afbr-70	40	13	the	the	DET
afbr-70	40	14	changing	change	VERB
afbr-70	40	15	nature	nature	NOUN
afbr-70	40	16	of	of	ADP
afbr-70	40	17	the	the	DET
afbr-70	40	18	phenomenon	phenomenon	NOUN
afbr-70	40	19	under	under	ADP
afbr-70	40	20	study	study	NOUN
afbr-70	40	21	(	(	PUNCT
afbr-70	40	22	creswell	creswell	PROPN
afbr-70	40	23	,	,	PUNCT
afbr-70	40	24	1994	1994	NUM
afbr-70	40	25	;	;	PUNCT
afbr-70	40	26	tansey	tansey	NOUN
afbr-70	40	27	,	,	PUNCT
afbr-70	40	28	2007	2007	NUM
afbr-70	40	29	)	)	PUNCT
afbr-70	40	30	.	.	PUNCT
afbr-70	41	1	a	a	DET
afbr-70	41	2	thematic	thematic	ADJ
afbr-70	41	3	,	,	PUNCT
afbr-70	41	4	narrative	narrative	ADJ
afbr-70	41	5	analysis	analysis	NOUN
afbr-70	41	6	,	,	PUNCT
afbr-70	41	7	via	via	ADP
afbr-70	41	8	interactional	interactional	ADJ
afbr-70	41	9	approach	approach	NOUN
afbr-70	41	10	was	be	AUX
afbr-70	41	11	adopted	adopt	VERB
afbr-70	41	12	(	(	PUNCT
afbr-70	41	13	riessman	riessman	NOUN
afbr-70	41	14	,	,	PUNCT
afbr-70	41	15	2005	2005	NUM
afbr-70	41	16	;	;	PUNCT
afbr-70	41	17	riessman	riessman	NOUN
afbr-70	41	18	,	,	PUNCT
afbr-70	41	19	1993).the	1993).the	DET
afbr-70	41	20	interaction	interaction	NOUN
afbr-70	41	21	facilitated	facilitate	VERB
afbr-70	41	22	the	the	DET
afbr-70	41	23	exploration	exploration	NOUN
afbr-70	41	24	of	of	ADP
afbr-70	41	25	micro	micro	ADJ
afbr-70	41	26	financial	financial	ADJ
afbr-70	41	27	institutional	institutional	ADJ
afbr-70	41	28	types	type	NOUN
afbr-70	41	29	,	,	PUNCT
afbr-70	41	30	policies	policy	NOUN
afbr-70	41	31	,	,	PUNCT
afbr-70	41	32	challenges	challenge	NOUN
afbr-70	41	33	and	and	CCONJ
afbr-70	41	34	strategies	strategy	NOUN
afbr-70	41	35	to	to	PART
afbr-70	41	36	revamp	revamp	VERB
afbr-70	41	37	its	its	PRON
afbr-70	41	38	exploration	exploration	NOUN
afbr-70	41	39	of	of	ADP
afbr-70	41	40	micro	micro	ADJ
afbr-70	41	41	-	-	ADJ
afbr-70	41	42	finance	finance	ADJ
afbr-70	41	43	banking	banking	NOUN
afbr-70	41	44	policies	policy	NOUN
afbr-70	41	45	and	and	CCONJ
afbr-70	41	46	strategies	strategy	NOUN
afbr-70	41	47	for	for	ADP
afbr-70	41	48	poverty	poverty	NOUN
afbr-70	41	49	reduction	reduction	NOUN
afbr-70	41	50	in	in	ADP
afbr-70	41	51	nigeria	nigeria	PROPN
afbr-70	41	52	umar	umar	PROPN
afbr-70	41	53	farouk	farouk	PROPN
afbr-70	41	54	musa	musa	PROPN
afbr-70	41	55	and	and	CCONJ
afbr-70	41	56	inuwa	inuwa	VERB
afbr-70	41	57	baba	baba	PROPN
afbr-70	41	58	abubakar	abubakar	PROPN
afbr-70	41	59	3	3	NUM
afbr-70	41	60	social	social	ADJ
afbr-70	41	61	services	service	NOUN
afbr-70	41	62	to	to	PART
afbr-70	41	63	mitigate	mitigate	VERB
afbr-70	41	64	poverty	poverty	NOUN
afbr-70	41	65	.	.	PUNCT
afbr-70	42	1	3.1	3.1	NUM
afbr-70	42	2	interview	interview	NOUN
afbr-70	42	3	protocols	protocol	NOUN
afbr-70	42	4			VERB
afbr-70	42	5	could	could	AUX
afbr-70	42	6	you	you	PRON
afbr-70	42	7	mention	mention	VERB
afbr-70	42	8	the	the	DET
afbr-70	42	9	types	type	NOUN
afbr-70	42	10	of	of	ADP
afbr-70	42	11	micro	micro	ADJ
afbr-70	42	12	-	-	ADJ
afbr-70	42	13	finance	finance	ADJ
afbr-70	42	14	institutions	institution	NOUN
afbr-70	42	15	in	in	ADP
afbr-70	42	16	nigeria	nigeria	PROPN
afbr-70	42	17	?	?	PUNCT
afbr-70	43	1			X
afbr-70	43	2	what	what	PRON
afbr-70	43	3	are	be	AUX
afbr-70	43	4	the	the	DET
afbr-70	43	5	policies	policy	NOUN
afbr-70	43	6	that	that	PRON
afbr-70	43	7	propel	propel	VERB
afbr-70	43	8	micro	micro	ADJ
afbr-70	43	9	-	-	ADJ
afbr-70	43	10	finance	finance	ADJ
afbr-70	43	11	instituions	instituion	NOUN
afbr-70	43	12	to	to	PART
afbr-70	43	13	mitigate	mitigate	VERB
afbr-70	43	14	poverty	poverty	NOUN
afbr-70	43	15	in	in	ADP
afbr-70	43	16	nigeria	nigeria	PROPN
afbr-70	43	17	?	?	PUNCT
afbr-70	44	1			X
afbr-70	44	2	what	what	PRON
afbr-70	44	3	are	be	AUX
afbr-70	44	4	the	the	DET
afbr-70	44	5	challenges	challenge	NOUN
afbr-70	44	6	of	of	ADP
afbr-70	44	7	micro	micro	ADJ
afbr-70	44	8	-	-	ADJ
afbr-70	44	9	finacial	finacial	ADJ
afbr-70	44	10	institutions	institution	NOUN
afbr-70	44	11	in	in	ADP
afbr-70	44	12	nigeria	nigeria	PROPN
afbr-70	44	13	?	?	PUNCT
afbr-70	45	1			PRON
afbr-70	45	2	explain	explain	VERB
afbr-70	45	3	the	the	DET
afbr-70	45	4	strategies	strategy	NOUN
afbr-70	45	5	to	to	PART
afbr-70	45	6	improve	improve	VERB
afbr-70	45	7	the	the	DET
afbr-70	45	8	policies	policy	NOUN
afbr-70	45	9	and	and	CCONJ
afbr-70	45	10	services	service	NOUN
afbr-70	45	11	of	of	ADP
afbr-70	45	12	micro	micro	ADJ
afbr-70	45	13	-	-	ADJ
afbr-70	45	14	finance	finance	ADJ
afbr-70	45	15	institutions	institution	NOUN
afbr-70	45	16	to	to	PART
afbr-70	45	17	reduce	reduce	VERB
afbr-70	45	18	poverty	poverty	NOUN
afbr-70	45	19	.	.	PUNCT
afbr-70	46	1	4	4	X
afbr-70	46	2	.	.	X
afbr-70	46	3	literature	literature	NOUN
afbr-70	46	4	review	review	VERB
afbr-70	46	5	this	this	DET
afbr-70	46	6	section	section	NOUN
afbr-70	46	7	of	of	ADP
afbr-70	46	8	the	the	DET
afbr-70	46	9	study	study	NOUN
afbr-70	46	10	reviewed	review	VERB
afbr-70	46	11	previous	previous	ADJ
afbr-70	46	12	literature	literature	NOUN
afbr-70	46	13	on	on	ADP
afbr-70	46	14	the	the	DET
afbr-70	46	15	poverty	poverty	NOUN
afbr-70	46	16	and	and	CCONJ
afbr-70	46	17	microfinance	microfinance	NOUN
afbr-70	46	18	instutitions	instutition	NOUN
afbr-70	46	19	.	.	PUNCT
afbr-70	47	1	the	the	DET
afbr-70	47	2	concept	concept	NOUN
afbr-70	47	3	of	of	ADP
afbr-70	47	4	poverty	poverty	NOUN
afbr-70	47	5	is	be	AUX
afbr-70	47	6	broad	broad	ADJ
afbr-70	47	7	and	and	CCONJ
afbr-70	47	8	generic	generic	ADJ
afbr-70	47	9	.	.	PUNCT
afbr-70	48	1	however	however	ADV
afbr-70	48	2	,	,	PUNCT
afbr-70	48	3	the	the	DET
afbr-70	48	4	world	world	PROPN
afbr-70	48	5	bank	bank	PROPN
afbr-70	48	6	(	(	PUNCT
afbr-70	48	7	2011	2011	NUM
afbr-70	48	8	)	)	PUNCT
afbr-70	48	9	,	,	PUNCT
afbr-70	48	10	defined	define	VERB
afbr-70	48	11	it	it	PRON
afbr-70	48	12	as	as	ADP
afbr-70	48	13	the	the	DET
afbr-70	48	14	condition	condition	NOUN
afbr-70	48	15	of	of	ADP
afbr-70	48	16	the	the	DET
afbr-70	48	17	absence	absence	NOUN
afbr-70	48	18	of	of	ADP
afbr-70	48	19	basic	basic	ADJ
afbr-70	48	20	needs	need	NOUN
afbr-70	48	21	to	to	PART
afbr-70	48	22	enable	enable	VERB
afbr-70	48	23	individuals	individual	NOUN
afbr-70	48	24	to	to	PART
afbr-70	48	25	live	live	VERB
afbr-70	48	26	comfortably	comfortably	ADV
afbr-70	48	27	.	.	PUNCT
afbr-70	49	1	the	the	DET
afbr-70	49	2	manifestations	manifestation	NOUN
afbr-70	49	3	comprises	comprise	NOUN
afbr-70	49	4	of	of	ADP
afbr-70	49	5	denial	denial	NOUN
afbr-70	49	6	of	of	ADP
afbr-70	49	7	education	education	NOUN
afbr-70	49	8	,	,	PUNCT
afbr-70	49	9	portal	portal	ADJ
afbr-70	49	10	driking	driking	NOUN
afbr-70	49	11	water	water	NOUN
afbr-70	49	12	,	,	PUNCT
afbr-70	49	13	health	health	NOUN
afbr-70	49	14	services	service	NOUN
afbr-70	49	15	,	,	PUNCT
afbr-70	49	16	sanitation	sanitation	NOUN
afbr-70	49	17	,	,	PUNCT
afbr-70	49	18	low	low	ADJ
afbr-70	49	19	of	of	ADP
afbr-70	49	20	expression	expression	NOUN
afbr-70	49	21	,	,	PUNCT
afbr-70	49	22	inadequate	inadequate	ADJ
afbr-70	49	23	protection	protection	NOUN
afbr-70	49	24	and	and	CCONJ
afbr-70	49	25	social	social	ADJ
afbr-70	49	26	security	security	NOUN
afbr-70	49	27	(	(	PUNCT
afbr-70	49	28	ijaiya	ijaiya	ADV
afbr-70	49	29	,	,	PUNCT
afbr-70	49	30	2015	2015	NUM
afbr-70	49	31	;	;	PUNCT
afbr-70	49	32	musa	musa	PROPN
afbr-70	49	33	et	et	PROPN
afbr-70	49	34	al	al	PROPN
afbr-70	49	35	,	,	PUNCT
afbr-70	49	36	2016	2016	NUM
afbr-70	49	37	)	)	PUNCT
afbr-70	49	38	.	.	PUNCT
afbr-70	50	1	studies	study	NOUN
afbr-70	50	2	have	have	AUX
afbr-70	50	3	identified	identify	VERB
afbr-70	50	4	different	different	ADJ
afbr-70	50	5	manifestation	manifestation	NOUN
afbr-70	50	6	of	of	ADP
afbr-70	50	7	poverty	poverty	NOUN
afbr-70	50	8	which	which	PRON
afbr-70	50	9	include	include	VERB
afbr-70	50	10	absolute	absolute	ADJ
afbr-70	50	11	or	or	CCONJ
afbr-70	50	12	severe	severe	ADJ
afbr-70	50	13	,	,	PUNCT
afbr-70	50	14	relative	relative	ADJ
afbr-70	50	15	,	,	PUNCT
afbr-70	50	16	multidimensional	multidimensional	ADJ
afbr-70	50	17	and	and	CCONJ
afbr-70	50	18	dollar	dollar	NOUN
afbr-70	50	19	per	per	ADP
afbr-70	50	20	day	day	NOUN
afbr-70	50	21	poverty	poverty	NOUN
afbr-70	50	22	(	(	PUNCT
afbr-70	50	23	lame	lame	PROPN
afbr-70	50	24	&	&	CCONJ
afbr-70	50	25	yusoff	yusoff	NOUN
afbr-70	50	26	,	,	PUNCT
afbr-70	50	27	2015	2015	NUM
afbr-70	50	28	;	;	PUNCT
afbr-70	50	29	ige	ige	PROPN
afbr-70	50	30	,	,	PUNCT
afbr-70	50	31	2014	2014	NUM
afbr-70	50	32	;	;	PUNCT
afbr-70	50	33	hettne	hettne	NOUN
afbr-70	50	34	,	,	PUNCT
afbr-70	50	35	2002	2002	NUM
afbr-70	50	36	;	;	PUNCT
afbr-70	50	37	obikeze	obikeze	ADJ
afbr-70	50	38	,	,	PUNCT
afbr-70	50	39	&	&	CCONJ
afbr-70	50	40	mathias	mathias	PROPN
afbr-70	50	41	,	,	PUNCT
afbr-70	50	42	2000	2000	NUM
afbr-70	50	43	)	)	PUNCT
afbr-70	50	44	.	.	PUNCT
afbr-70	51	1	absolute	absolute	ADJ
afbr-70	51	2	poverty	poverty	NOUN
afbr-70	51	3	is	be	AUX
afbr-70	51	4	the	the	DET
afbr-70	51	5	severity	severity	NOUN
afbr-70	51	6	in	in	ADP
afbr-70	51	7	the	the	DET
afbr-70	51	8	acute	acute	ADJ
afbr-70	51	9	shortage	shortage	NOUN
afbr-70	51	10	of	of	ADP
afbr-70	51	11	food	food	NOUN
afbr-70	51	12	,	,	PUNCT
afbr-70	51	13	educational	educational	ADJ
afbr-70	51	14	support	support	NOUN
afbr-70	51	15	,	,	PUNCT
afbr-70	51	16	sanitation	sanitation	NOUN
afbr-70	51	17	and	and	CCONJ
afbr-70	51	18	medical	medical	ADJ
afbr-70	51	19	facilities	facility	NOUN
afbr-70	51	20	,	,	PUNCT
afbr-70	51	21	portable	portable	ADJ
afbr-70	51	22	drinking	drinking	NOUN
afbr-70	51	23	water	water	NOUN
afbr-70	51	24	,	,	PUNCT
afbr-70	51	25	low	low	ADJ
afbr-70	51	26	income	income	NOUN
afbr-70	51	27	;	;	PUNCT
afbr-70	51	28	information	information	NOUN
afbr-70	51	29	and	and	CCONJ
afbr-70	51	30	access	access	NOUN
afbr-70	51	31	to	to	ADP
afbr-70	51	32	financial	financial	ADJ
afbr-70	51	33	services	service	NOUN
afbr-70	51	34	.	.	PUNCT
afbr-70	52	1	on	on	ADP
afbr-70	52	2	the	the	DET
afbr-70	52	3	other	other	ADJ
afbr-70	52	4	hand	hand	NOUN
afbr-70	52	5	,	,	PUNCT
afbr-70	52	6	relative	relative	ADJ
afbr-70	52	7	poverty	poverty	NOUN
afbr-70	52	8	is	be	AUX
afbr-70	52	9	the	the	DET
afbr-70	52	10	condition	condition	NOUN
afbr-70	52	11	in	in	ADP
afbr-70	52	12	people	people	NOUN
afbr-70	52	13	faces	face	VERB
afbr-70	52	14	the	the	DET
afbr-70	52	15	inadequancy	inadequancy	NOUN
afbr-70	52	16	of	of	ADP
afbr-70	52	17	income	income	NOUN
afbr-70	52	18	needed	need	VERB
afbr-70	52	19	to	to	PART
afbr-70	52	20	maitain	maitain	VERB
afbr-70	52	21	an	an	DET
afbr-70	52	22	acceptable	acceptable	ADJ
afbr-70	52	23	average	average	ADJ
afbr-70	52	24	standard	standard	NOUN
afbr-70	52	25	of	of	ADP
afbr-70	52	26	living	live	VERB
afbr-70	52	27	in	in	ADP
afbr-70	52	28	a	a	DET
afbr-70	52	29	country	country	NOUN
afbr-70	52	30	they	they	PRON
afbr-70	52	31	live	live	VERB
afbr-70	52	32	.	.	PUNCT
afbr-70	53	1	these	these	PRON
afbr-70	53	2	differ	differ	VERB
afbr-70	53	3	from	from	ADP
afbr-70	53	4	country	country	NOUN
afbr-70	53	5	to	to	ADP
afbr-70	53	6	country	country	NOUN
afbr-70	53	7	for	for	ADP
afbr-70	53	8	instance	instance	NOUN
afbr-70	53	9	relative	relative	ADJ
afbr-70	53	10	poverty	poverty	NOUN
afbr-70	53	11	implies	imply	VERB
afbr-70	53	12	the	the	DET
afbr-70	53	13	position	position	NOUN
afbr-70	53	14	of	of	ADP
afbr-70	53	15	a	a	DET
afbr-70	53	16	particular	particular	ADJ
afbr-70	53	17	household	household	NOUN
afbr-70	53	18	or	or	CCONJ
afbr-70	53	19	an	an	DET
afbr-70	53	20	individual	individual	NOUN
afbr-70	53	21	in	in	ADP
afbr-70	53	22	relation	relation	NOUN
afbr-70	53	23	to	to	ADP
afbr-70	53	24	the	the	DET
afbr-70	53	25	standard	standard	NOUN
afbr-70	53	26	of	of	ADP
afbr-70	53	27	living	live	VERB
afbr-70	53	28	in	in	ADP
afbr-70	53	29	a	a	DET
afbr-70	53	30	country	country	NOUN
afbr-70	53	31	.	.	PUNCT
afbr-70	54	1	relativity	relativity	NOUN
afbr-70	54	2	is	be	AUX
afbr-70	54	3	measured	measure	VERB
afbr-70	54	4	in	in	ADP
afbr-70	54	5	three	three	NUM
afbr-70	54	6	elements	element	NOUN
afbr-70	54	7	of	of	ADP
afbr-70	54	8	income	income	NOUN
afbr-70	54	9	,	,	PUNCT
afbr-70	54	10	disposable	disposable	ADJ
afbr-70	54	11	income	income	NOUN
afbr-70	54	12	and	and	CCONJ
afbr-70	54	13	low	low	ADJ
afbr-70	54	14	level	level	NOUN
afbr-70	54	15	of	of	ADP
afbr-70	54	16	household	household	NOUN
afbr-70	54	17	income	income	NOUN
afbr-70	54	18	(	(	PUNCT
afbr-70	54	19	foster	foster	ADJ
afbr-70	54	20	,	,	PUNCT
afbr-70	54	21	1998	1998	NUM
afbr-70	54	22	)	)	PUNCT
afbr-70	54	23	.	.	PUNCT
afbr-70	55	1	4.1the	4.1the	DET
afbr-70	55	2	concept	concept	NOUN
afbr-70	55	3	of	of	ADP
afbr-70	55	4	micro	micro	NOUN
afbr-70	55	5	-	-	NOUN
afbr-70	55	6	finance	finance	VERB
afbr-70	55	7	the	the	DET
afbr-70	55	8	term	term	NOUN
afbr-70	55	9	microfinance	microfinance	NOUN
afbr-70	55	10	refers	refer	VERB
afbr-70	55	11	to	to	ADP
afbr-70	55	12	a	a	DET
afbr-70	55	13	broad	broad	ADJ
afbr-70	55	14	range	range	NOUN
afbr-70	55	15	of	of	ADP
afbr-70	55	16	monetary	monetary	ADJ
afbr-70	55	17	services	service	NOUN
afbr-70	55	18	to	to	ADP
afbr-70	55	19	middle	middle	ADJ
afbr-70	55	20	,	,	PUNCT
afbr-70	55	21	low	low	ADJ
afbr-70	55	22	-	-	PUNCT
afbr-70	55	23	income	income	NOUN
afbr-70	55	24	businesses	business	NOUN
afbr-70	55	25	as	as	ADV
afbr-70	55	26	well	well	ADV
afbr-70	55	27	as	as	ADP
afbr-70	55	28	household	household	NOUN
afbr-70	55	29	.	.	PUNCT
afbr-70	56	1	these	these	DET
afbr-70	56	2	services	service	NOUN
afbr-70	56	3	usually	usually	ADV
afbr-70	56	4	include	include	VERB
afbr-70	56	5	loans	loan	NOUN
afbr-70	56	6	,	,	PUNCT
afbr-70	56	7	savings	saving	NOUN
afbr-70	56	8	,	,	PUNCT
afbr-70	56	9	leasing	leasing	NOUN
afbr-70	56	10	,	,	PUNCT
afbr-70	56	11	insurance	insurance	NOUN
afbr-70	56	12	and	and	CCONJ
afbr-70	56	13	transfer	transfer	NOUN
afbr-70	56	14	of	of	ADP
afbr-70	56	15	monies	monie	NOUN
afbr-70	56	16	among	among	ADP
afbr-70	56	17	others	other	NOUN
afbr-70	56	18	.	.	PUNCT
afbr-70	57	1	microfinance	microfinance	NOUN
afbr-70	57	2	instititions	institition	NOUN
afbr-70	57	3	provides	provide	VERB
afbr-70	57	4	microcredit	microcredit	NOUN
afbr-70	57	5	services	service	NOUN
afbr-70	57	6	and	and	CCONJ
afbr-70	57	7	loans	loan	NOUN
afbr-70	57	8	facilities	facility	NOUN
afbr-70	57	9	to	to	ADP
afbr-70	57	10	small	small	ADJ
afbr-70	57	11	and	and	CCONJ
afbr-70	57	12	medium	medium	ADJ
afbr-70	57	13	scale	scale	NOUN
afbr-70	57	14	entreprises	entreprise	NOUN
afbr-70	57	15	to	to	PART
afbr-70	57	16	generate	generate	VERB
afbr-70	57	17	income	income	NOUN
afbr-70	57	18	and	and	CCONJ
afbr-70	57	19	provide	provide	VERB
afbr-70	57	20	employment	employment	NOUN
afbr-70	57	21	opportunities.studies	opportunities.studie	NOUN
afbr-70	57	22	indicated	indicate	VERB
afbr-70	57	23	that	that	SCONJ
afbr-70	57	24	micro	micro	ADJ
afbr-70	57	25	-	-	ADJ
afbr-70	57	26	finance	finance	ADJ
afbr-70	57	27	institutions	institution	NOUN
afbr-70	57	28	were	be	AUX
afbr-70	57	29	categorized	categorize	VERB
afbr-70	57	30	into	into	ADP
afbr-70	57	31	formal	formal	ADJ
afbr-70	57	32	and	and	CCONJ
afbr-70	57	33	noninformal	noninformal	ADJ
afbr-70	57	34	structures	structure	NOUN
afbr-70	57	35	.	.	PUNCT
afbr-70	58	1	the	the	DET
afbr-70	58	2	proliferation	proliferation	NOUN
afbr-70	58	3	of	of	ADP
afbr-70	58	4	microfinance	microfinance	NOUN
afbr-70	58	5	institutions	institution	NOUN
afbr-70	58	6	in	in	ADP
afbr-70	58	7	nigeria	nigeria	PROPN
afbr-70	58	8	became	become	VERB
afbr-70	58	9	into	into	ADP
afbr-70	58	10	being	be	AUX
afbr-70	58	11	in	in	ADP
afbr-70	58	12	the	the	DET
afbr-70	58	13	form	form	NOUN
afbr-70	58	14	of	of	ADP
afbr-70	58	15	microcredit	microcredit	NOUN
afbr-70	58	16	facilities.these	facilities.these	PROPN
afbr-70	58	17	development	development	NOUN
afbr-70	58	18	addresses	address	VERB
afbr-70	58	19	the	the	DET
afbr-70	58	20	challenges	challenge	NOUN
afbr-70	58	21	of	of	ADP
afbr-70	58	22	inadequate	inadequate	ADJ
afbr-70	58	23	financial	financial	ADJ
afbr-70	58	24	services	service	NOUN
afbr-70	58	25	to	to	ADP
afbr-70	58	26	the	the	DET
afbr-70	58	27	small	small	ADJ
afbr-70	58	28	scale	scale	NOUN
afbr-70	58	29	businesses	business	NOUN
afbr-70	58	30	and	and	CCONJ
afbr-70	58	31	the	the	DET
afbr-70	58	32	poor	poor	ADJ
afbr-70	58	33	alike	alike	ADV
afbr-70	58	34	.	.	PUNCT
afbr-70	59	1	government	government	NOUN
afbr-70	59	2	provided	provide	VERB
afbr-70	59	3	some	some	DET
afbr-70	59	4	policies	policy	NOUN
afbr-70	59	5	,	,	PUNCT
afbr-70	59	6	initiatives	initiative	NOUN
afbr-70	59	7	,	,	PUNCT
afbr-70	59	8	particularly	particularly	ADV
afbr-70	59	9	through	through	ADP
afbr-70	59	10	the	the	DET
afbr-70	59	11	promulgation	promulgation	NOUN
afbr-70	59	12	of	of	ADP
afbr-70	59	13	the	the	DET
afbr-70	59	14	cooperative	cooperative	ADJ
afbr-70	59	15	society	society	NOUN
afbr-70	59	16	’s	’s	PART
afbr-70	59	17	ordinance	ordinance	NOUN
afbr-70	59	18	1963	1963	NUM
afbr-70	59	19	.	.	PUNCT
afbr-70	60	1	primarily	primarily	ADV
afbr-70	60	2	,	,	PUNCT
afbr-70	60	3	these	these	DET
afbr-70	60	4	societies	society	NOUN
afbr-70	60	5	were	be	AUX
afbr-70	60	6	regualted	regualte	VERB
afbr-70	60	7	,	,	PUNCT
afbr-70	60	8	supervised	supervised	ADJ
afbr-70	60	9	and	and	CCONJ
afbr-70	60	10	coordinated	coordinate	VERB
afbr-70	60	11	by	by	ADP
afbr-70	60	12	the	the	DET
afbr-70	60	13	department	department	NOUN
afbr-70	60	14	of	of	ADP
afbr-70	60	15	cooperatives	cooperative	NOUN
afbr-70	60	16	in	in	ADP
afbr-70	60	17	the	the	DET
afbr-70	60	18	federal	federal	PROPN
afbr-70	60	19	ministry	ministry	PROPN
afbr-70	60	20	of	of	ADP
afbr-70	60	21	agriculture.the	agriculture.the	PROPN
afbr-70	60	22	government	government	PROPN
afbr-70	60	23	established	establish	VERB
afbr-70	60	24	nigerian	nigerian	ADJ
afbr-70	60	25	,	,	PUNCT
afbr-70	60	26	agricultural	agricultural	ADJ
afbr-70	60	27	and	and	CCONJ
afbr-70	60	28	cooperative	cooperative	ADJ
afbr-70	60	29	bank	bank	NOUN
afbr-70	60	30	(	(	PUNCT
afbr-70	60	31	nacb	nacb	PROPN
afbr-70	60	32	)	)	PUNCT
afbr-70	60	33	in	in	ADP
afbr-70	60	34	the	the	DET
afbr-70	60	35	1973	1973	NUM
afbr-70	60	36	and	and	CCONJ
afbr-70	60	37	provided	provide	VERB
afbr-70	60	38	loans	loan	NOUN
afbr-70	60	39	to	to	ADP
afbr-70	60	40	small	small	ADJ
afbr-70	60	41	,	,	PUNCT
afbr-70	60	42	medium	medium	ADJ
afbr-70	60	43	and	and	CCONJ
afbr-70	60	44	large	large	ADJ
afbr-70	60	45	scale	scale	NOUN
afbr-70	60	46	via	via	ADP
afbr-70	60	47	states	state	NOUN
afbr-70	60	48	governments	government	NOUN
afbr-70	60	49	in	in	ADP
afbr-70	60	50	the	the	DET
afbr-70	60	51	country	country	NOUN
afbr-70	60	52	.	.	PUNCT
afbr-70	61	1	the	the	DET
afbr-70	61	2	federal	federal	ADJ
afbr-70	61	3	government	government	NOUN
afbr-70	61	4	equally	equally	ADV
afbr-70	61	5	launched	launch	VERB
afbr-70	61	6	agricltural	agricltural	ADJ
afbr-70	61	7	,	,	PUNCT
afbr-70	61	8	credit	credit	NOUN
afbr-70	61	9	gurantee	gurantee	NOUN
afbr-70	61	10	scheme	scheme	NOUN
afbr-70	61	11	fund	fund	PROPN
afbr-70	61	12	(	(	PUNCT
afbr-70	61	13	acgsf	acgsf	NOUN
afbr-70	61	14	)	)	PUNCT
afbr-70	61	15	in	in	ADP
afbr-70	61	16	the	the	DET
afbr-70	61	17	year	year	NOUN
afbr-70	61	18	1978	1978	NUM
afbr-70	61	19	and	and	CCONJ
afbr-70	61	20	was	be	AUX
afbr-70	61	21	mandated	mandate	VERB
afbr-70	61	22	to	to	PART
afbr-70	61	23	minimise	minimise	VERB
afbr-70	61	24	risk	risk	NOUN
afbr-70	61	25	associated	associate	VERB
afbr-70	61	26	with	with	ADP
afbr-70	61	27	agricultural	agricultural	ADJ
afbr-70	61	28	lending	lending	NOUN
afbr-70	61	29	policies	policy	NOUN
afbr-70	61	30	by	by	ADP
afbr-70	61	31	banks	bank	NOUN
afbr-70	61	32	and	and	CCONJ
afbr-70	61	33	other	other	ADJ
afbr-70	61	34	natural	natural	ADJ
afbr-70	61	35	occurence	occurence	NOUN
afbr-70	61	36	beyond	beyond	ADP
afbr-70	61	37	the	the	DET
afbr-70	61	38	control	control	NOUN
afbr-70	61	39	of	of	ADP
afbr-70	61	40	the	the	DET
afbr-70	61	41	farmers	farmer	NOUN
afbr-70	61	42	.	.	PUNCT
afbr-70	62	1	the	the	DET
afbr-70	62	2	central	central	ADJ
afbr-70	62	3	bank	bank	PROPN
afbr-70	62	4	of	of	ADP
afbr-70	62	5	nigeria	nigeria	PROPN
afbr-70	62	6	later	later	ADV
afbr-70	62	7	mandated	mandate	VERB
afbr-70	62	8	universal	universal	ADJ
afbr-70	62	9	or	or	CCONJ
afbr-70	62	10	commercial	commercial	ADJ
afbr-70	62	11	banks	bank	NOUN
afbr-70	62	12	to	to	PART
afbr-70	62	13	establish	establish	VERB
afbr-70	62	14	some	some	PRON
afbr-70	62	15	of	of	ADP
afbr-70	62	16	their	their	PRON
afbr-70	62	17	branches	branch	NOUN
afbr-70	62	18	in	in	ADP
afbr-70	62	19	specific	specific	ADJ
afbr-70	62	20	and	and	CCONJ
afbr-70	62	21	identified	identify	VERB
afbr-70	62	22	rural	rural	ADJ
afbr-70	62	23	communities	community	NOUN
afbr-70	62	24	and	and	CCONJ
afbr-70	62	25	this	this	PRON
afbr-70	62	26	led	lead	VERB
afbr-70	62	27	to	to	ADP
afbr-70	62	28	the	the	DET
afbr-70	62	29	launching	launching	NOUN
afbr-70	62	30	of	of	ADP
afbr-70	62	31	over	over	ADP
afbr-70	62	32	seven	seven	NUM
afbr-70	62	33	hundred	hundred	NUM
afbr-70	62	34	branches	branch	NOUN
afbr-70	62	35	in	in	ADP
afbr-70	62	36	nigeria	nigeria	PROPN
afbr-70	62	37	(	(	PUNCT
afbr-70	62	38	adeyemi	adeyemi	ADV
afbr-70	62	39	,	,	PUNCT
afbr-70	62	40	2008	2008	NUM
afbr-70	62	41	)	)	PUNCT
afbr-70	62	42	.	.	PUNCT
afbr-70	63	1	this	this	DET
afbr-70	63	2	program	program	NOUN
afbr-70	63	3	was	be	AUX
afbr-70	63	4	as	as	ADV
afbr-70	63	5	well	well	ADV
afbr-70	63	6	suspended	suspend	VERB
afbr-70	63	7	in	in	ADP
afbr-70	63	8	1989	1989	NUM
afbr-70	63	9	.	.	PUNCT
afbr-70	64	1	as	as	SCONJ
afbr-70	64	2	result	result	NOUN
afbr-70	64	3	of	of	ADP
afbr-70	64	4	this	this	DET
afbr-70	64	5	development	development	NOUN
afbr-70	64	6	,	,	PUNCT
afbr-70	64	7	particularly	particularly	ADV
afbr-70	64	8	in	in	ADP
afbr-70	64	9	1986	1986	NUM
afbr-70	64	10	to	to	ADP
afbr-70	64	11	1990	1990	NUM
afbr-70	64	12	these	these	DET
afbr-70	64	13	banks	bank	NOUN
afbr-70	64	14	were	be	AUX
afbr-70	64	15	neither	neither	CCONJ
afbr-70	64	16	having	have	VERB
afbr-70	64	17	does	do	AUX
afbr-70	64	18	not	not	PART
afbr-70	64	19	branch	branch	VERB
afbr-70	64	20	in	in	ADP
afbr-70	64	21	the	the	DET
afbr-70	64	22	rural	rural	ADJ
afbr-70	64	23	areas	area	NOUN
afbr-70	64	24	or	or	CCONJ
afbr-70	64	25	does	do	AUX
afbr-70	64	26	the	the	DET
afbr-70	64	27	legal	legal	ADJ
afbr-70	64	28	framework	framework	NOUN
afbr-70	64	29	survives	survive	VERB
afbr-70	64	30	.	.	PUNCT
afbr-70	65	1	the	the	DET
afbr-70	65	2	country	country	NOUN
afbr-70	65	3	witnessed	witness	VERB
afbr-70	65	4	a	a	DET
afbr-70	65	5	serious	serious	ADJ
afbr-70	65	6	set	set	NOUN
afbr-70	65	7	back	back	ADV
afbr-70	65	8	in	in	ADP
afbr-70	65	9	the	the	DET
afbr-70	65	10	exploration	exploration	NOUN
afbr-70	65	11	of	of	ADP
afbr-70	65	12	micro	micro	ADJ
afbr-70	65	13	-	-	ADJ
afbr-70	65	14	finance	finance	ADJ
afbr-70	65	15	banking	banking	NOUN
afbr-70	65	16	policies	policy	NOUN
afbr-70	65	17	and	and	CCONJ
afbr-70	65	18	strategies	strategy	NOUN
afbr-70	65	19	for	for	ADP
afbr-70	65	20	poverty	poverty	NOUN
afbr-70	65	21	reduction	reduction	NOUN
afbr-70	65	22	in	in	ADP
afbr-70	65	23	nigeria	nigeria	PROPN
afbr-70	65	24	umar	umar	PROPN
afbr-70	65	25	farouk	farouk	PROPN
afbr-70	65	26	musa	musa	PROPN
afbr-70	65	27	and	and	CCONJ
afbr-70	65	28	inuwa	inuwa	VERB
afbr-70	65	29	baba	baba	PROPN
afbr-70	65	30	abubakar	abubakar	PROPN
afbr-70	65	31	4	4	NUM
afbr-70	65	32	rural	rural	ADJ
afbr-70	65	33	banking	banking	NOUN
afbr-70	65	34	programs	program	NOUN
afbr-70	65	35	immediately	immediately	ADV
afbr-70	65	36	after	after	ADP
afbr-70	65	37	the	the	DET
afbr-70	65	38	liquidation	liquidation	NOUN
afbr-70	65	39	of	of	ADP
afbr-70	65	40	many	many	ADJ
afbr-70	65	41	regional	regional	ADJ
afbr-70	65	42	banks	bank	NOUN
afbr-70	65	43	in	in	ADP
afbr-70	65	44	1993	1993	NUM
afbr-70	65	45	and	and	CCONJ
afbr-70	65	46	2003	2003	NUM
afbr-70	65	47	respectively	respectively	ADV
afbr-70	65	48	.	.	PUNCT
afbr-70	66	1	the	the	DET
afbr-70	66	2	scenario	scenario	NOUN
afbr-70	66	3	affected	affect	VERB
afbr-70	66	4	the	the	DET
afbr-70	66	5	poor	poor	ADJ
afbr-70	66	6	,	,	PUNCT
afbr-70	66	7	hence	hence	ADV
afbr-70	66	8	bankings	banking	VERB
afbr-70	66	9	services	service	NOUN
afbr-70	66	10	became	become	VERB
afbr-70	66	11	difficulty	difficulty	NOUN
afbr-70	66	12	.	.	PUNCT
afbr-70	67	1	studies	study	NOUN
afbr-70	67	2	in	in	ADP
afbr-70	67	3	many	many	ADJ
afbr-70	67	4	developing	develop	VERB
afbr-70	67	5	countries	country	NOUN
afbr-70	67	6	of	of	ADP
afbr-70	67	7	bangladesh	bangladesh	PROPN
afbr-70	67	8	,	,	PUNCT
afbr-70	67	9	india	india	PROPN
afbr-70	67	10	,	,	PUNCT
afbr-70	67	11	indonesia	indonesia	PROPN
afbr-70	67	12	,	,	PUNCT
afbr-70	67	13	philipinnes	philipinne	NOUN
afbr-70	67	14	and	and	CCONJ
afbr-70	67	15	thailand	thailand	PROPN
afbr-70	67	16	indicated	indicate	VERB
afbr-70	67	17	that	that	SCONJ
afbr-70	67	18	despite	despite	SCONJ
afbr-70	67	19	the	the	DET
afbr-70	67	20	apparent	apparent	ADJ
afbr-70	67	21	defy	defy	NOUN
afbr-70	67	22	,	,	PUNCT
afbr-70	67	23	confronting	confront	VERB
afbr-70	67	24	microfinancial	microfinancial	ADJ
afbr-70	67	25	institutions	institution	NOUN
afbr-70	67	26	particularly	particularly	ADV
afbr-70	67	27	,	,	PUNCT
afbr-70	67	28	administrative	administrative	ADJ
afbr-70	67	29	difficulties	difficulty	NOUN
afbr-70	67	30	,	,	PUNCT
afbr-70	67	31	systemic	systemic	ADJ
afbr-70	67	32	risk	risk	NOUN
afbr-70	67	33	,	,	PUNCT
afbr-70	67	34	repayment	repayment	NOUN
afbr-70	67	35	slog	slog	NOUN
afbr-70	67	36	and	and	CCONJ
afbr-70	67	37	absence	absence	NOUN
afbr-70	67	38	of	of	ADP
afbr-70	67	39	standardized	standardized	ADJ
afbr-70	67	40	informantion	informantion	NOUN
afbr-70	67	41	;	;	PUNCT
afbr-70	67	42	these	these	DET
afbr-70	67	43	banks	bank	NOUN
afbr-70	67	44	had	have	AUX
afbr-70	67	45	recorded	record	VERB
afbr-70	67	46	success	success	NOUN
afbr-70	67	47	,	,	PUNCT
afbr-70	67	48	for	for	ADP
afbr-70	67	49	instance	instance	NOUN
afbr-70	67	50	the	the	DET
afbr-70	67	51	grameen	grameen	PROPN
afbr-70	67	52	bank	bank	PROPN
afbr-70	67	53	in	in	ADP
afbr-70	67	54	bangladesh	bangladesh	PROPN
afbr-70	67	55	provided	provide	VERB
afbr-70	67	56	loans	loan	NOUN
afbr-70	67	57	to	to	ADP
afbr-70	67	58	the	the	DET
afbr-70	67	59	poorest	poor	ADJ
afbr-70	67	60	in	in	ADP
afbr-70	67	61	the	the	DET
afbr-70	67	62	rural	rural	ADJ
afbr-70	67	63	areas	area	NOUN
afbr-70	67	64	,	,	PUNCT
afbr-70	67	65	its	its	PRON
afbr-70	67	66	women	woman	NOUN
afbr-70	67	67	focused	focus	VERB
afbr-70	67	68	initiatives	initiative	NOUN
afbr-70	67	69	,	,	PUNCT
afbr-70	67	70	about	about	ADV
afbr-70	67	71	94	94	NUM
afbr-70	67	72	percent	percent	NOUN
afbr-70	67	73	of	of	ADP
afbr-70	67	74	the	the	DET
afbr-70	67	75	beneficiaries	beneficiary	NOUN
afbr-70	67	76	and	and	CCONJ
afbr-70	67	77	customers	customer	NOUN
afbr-70	67	78	are	be	AUX
afbr-70	67	79	the	the	DET
afbr-70	67	80	female	female	ADJ
afbr-70	67	81	folk	folk	NOUN
afbr-70	67	82	,	,	PUNCT
afbr-70	67	83	borrowing	borrowing	NOUN
afbr-70	67	84	and	and	CCONJ
afbr-70	67	85	lending	lending	NOUN
afbr-70	67	86	were	be	AUX
afbr-70	67	87	operated	operate	VERB
afbr-70	67	88	devoid	devoid	ADJ
afbr-70	67	89	of	of	ADP
afbr-70	67	90	colleteral	colleteral	ADJ
afbr-70	67	91	or	or	CCONJ
afbr-70	67	92	security	security	NOUN
afbr-70	67	93	and	and	CCONJ
afbr-70	67	94	the	the	DET
afbr-70	67	95	bank	bank	NOUN
afbr-70	67	96	supported	support	VERB
afbr-70	67	97	borrowers	borrower	NOUN
afbr-70	67	98	to	to	PART
afbr-70	67	99	excel	excel	VERB
afbr-70	67	100	in	in	ADP
afbr-70	67	101	businesses;became	businesses;became	PROPN
afbr-70	67	102	self	self	NOUN
afbr-70	67	103	reliant	reliant	ADJ
afbr-70	67	104	there	there	ADV
afbr-70	67	105	by	by	ADP
afbr-70	67	106	cushioning	cushion	VERB
afbr-70	67	107	their	their	PRON
afbr-70	67	108	surferings	surfering	NOUN
afbr-70	67	109	(	(	PUNCT
afbr-70	67	110	bakhtiari	bakhtiari	ADJ
afbr-70	67	111	,	,	PUNCT
afbr-70	67	112	2011	2011	NUM
afbr-70	67	113	)	)	PUNCT
afbr-70	67	114	.	.	PUNCT
afbr-70	68	1	literature	literature	NOUN
afbr-70	68	2	divulge	divulge	VERB
afbr-70	68	3	that	that	SCONJ
afbr-70	68	4	the	the	DET
afbr-70	68	5	since	since	SCONJ
afbr-70	68	6	1984	1984	NUM
afbr-70	68	7	,	,	PUNCT
afbr-70	68	8	the	the	DET
afbr-70	68	9	bank	bank	NOUN
afbr-70	68	10	rakyat	rakyat	PROPN
afbr-70	68	11	in	in	ADP
afbr-70	68	12	indonesia	indonesia	PROPN
afbr-70	68	13	provided	provide	VERB
afbr-70	68	14	deregulated	deregulated	ADJ
afbr-70	68	15	policy	policy	NOUN
afbr-70	68	16	services	service	NOUN
afbr-70	68	17	via	via	ADP
afbr-70	68	18	autonomous	autonomous	ADJ
afbr-70	68	19	microfinance	microfinance	NOUN
afbr-70	68	20	system	system	NOUN
afbr-70	68	21	to	to	PART
afbr-70	68	22	rural	rural	ADJ
afbr-70	68	23	and	and	CCONJ
afbr-70	68	24	urban	urban	ADJ
afbr-70	68	25	customers	customer	NOUN
afbr-70	68	26	.	.	PUNCT
afbr-70	69	1	the	the	DET
afbr-70	69	2	bank	bank	NOUN
afbr-70	69	3	had	have	VERB
afbr-70	69	4	a	a	DET
afbr-70	69	5	massive	massive	ADJ
afbr-70	69	6	staff	staff	NOUN
afbr-70	69	7	recruitment	recruitment	NOUN
afbr-70	69	8	,	,	PUNCT
afbr-70	69	9	retraining	retraining	NOUN
afbr-70	69	10	and	and	CCONJ
afbr-70	69	11	incentives	incentive	NOUN
afbr-70	69	12	.	.	PUNCT
afbr-70	70	1	this	this	DET
afbr-70	70	2	development	development	NOUN
afbr-70	70	3	transforms	transform	VERB
afbr-70	70	4	the	the	DET
afbr-70	70	5	bank	bank	NOUN
afbr-70	70	6	from	from	ADP
afbr-70	70	7	ailing	ail	VERB
afbr-70	70	8	public	public	ADJ
afbr-70	70	9	financial	financial	ADJ
afbr-70	70	10	institution	institution	NOUN
afbr-70	70	11	into	into	ADP
afbr-70	70	12	profitable	profitable	ADJ
afbr-70	70	13	,	,	PUNCT
afbr-70	70	14	liberated	liberated	ADJ
afbr-70	70	15	and	and	CCONJ
afbr-70	70	16	self	self	NOUN
afbr-70	70	17	-	-	PUNCT
afbr-70	70	18	reliant	reliant	ADJ
afbr-70	70	19	financial	financial	ADJ
afbr-70	70	20	intermediary	intermediary	NOUN
afbr-70	70	21	.	.	PUNCT
afbr-70	71	1	for	for	ADP
afbr-70	71	2	instance	instance	NOUN
afbr-70	71	3	,	,	PUNCT
afbr-70	71	4	the	the	DET
afbr-70	71	5	3,700local	3,700local	ADJ
afbr-70	71	6	branches	branch	NOUN
afbr-70	71	7	served	serve	VERB
afbr-70	71	8	a	a	DET
afbr-70	71	9	sum	sum	NOUN
afbr-70	71	10	of	of	ADP
afbr-70	71	11	29.8	29.8	NUM
afbr-70	71	12	million	million	NUM
afbr-70	71	13	savings	saving	NOUN
afbr-70	71	14	accounts	account	NOUN
afbr-70	71	15	with	with	ADP
afbr-70	71	16	3.1	3.1	NUM
afbr-70	71	17	million	million	NUM
afbr-70	71	18	borrowers	borrower	NOUN
afbr-70	71	19	as	as	ADP
afbr-70	71	20	at	at	ADP
afbr-70	71	21	2001	2001	NUM
afbr-70	71	22	.	.	PUNCT
afbr-70	72	1	the	the	DET
afbr-70	72	2	packages	package	NOUN
afbr-70	72	3	reach	reach	VERB
afbr-70	72	4	the	the	DET
afbr-70	72	5	rural	rural	ADJ
afbr-70	72	6	poor	poor	ADJ
afbr-70	72	7	as	as	ADV
afbr-70	72	8	well	well	ADV
afbr-70	72	9	as	as	ADP
afbr-70	72	10	other	other	ADJ
afbr-70	72	11	entrepreneurs	entrepreneur	NOUN
afbr-70	72	12	;	;	PUNCT
afbr-70	72	13	influences	influence	VERB
afbr-70	72	14	their	their	PRON
afbr-70	72	15	decision	decision	NOUN
afbr-70	72	16	making	make	VERB
afbr-70	72	17	capabilities	capability	NOUN
afbr-70	72	18	and	and	CCONJ
afbr-70	72	19	family	family	NOUN
afbr-70	72	20	wellbeing	wellbee	VERB
afbr-70	72	21	respectively	respectively	ADV
afbr-70	72	22	(	(	PUNCT
afbr-70	72	23	panjaitan	panjaitan	ADJ
afbr-70	72	24	-	-	PUNCT
afbr-70	72	25	drioadisuryo	drioadisuryo	ADJ
afbr-70	72	26	,	,	PUNCT
afbr-70	72	27	&	&	CCONJ
afbr-70	72	28	cloud	cloud	PROPN
afbr-70	72	29	,	,	PUNCT
afbr-70	72	30	1999	1999	NUM
afbr-70	72	31	)	)	PUNCT
afbr-70	72	32	.	.	PUNCT
afbr-70	73	1	studies	study	NOUN
afbr-70	73	2	in	in	ADP
afbr-70	73	3	india	india	PROPN
afbr-70	73	4	indicated	indicate	VERB
afbr-70	73	5	that	that	SCONJ
afbr-70	73	6	society	society	NOUN
afbr-70	73	7	for	for	ADP
afbr-70	73	8	helping	help	VERB
afbr-70	73	9	awakening	awaken	VERB
afbr-70	73	10	rural	rural	ADJ
afbr-70	73	11	poor	poor	ADJ
afbr-70	73	12	through	through	ADP
afbr-70	73	13	education	education	NOUN
afbr-70	73	14	(	(	PUNCT
afbr-70	73	15	share	share	NOUN
afbr-70	73	16	)	)	PUNCT
afbr-70	73	17	which	which	PRON
afbr-70	73	18	stated	state	VERB
afbr-70	73	19	operation	operation	NOUN
afbr-70	73	20	in	in	ADP
afbr-70	73	21	1992	1992	NUM
afbr-70	73	22	had	have	AUX
afbr-70	73	23	substantailly	substantailly	ADV
afbr-70	73	24	grown	grow	VERB
afbr-70	73	25	into	into	ADP
afbr-70	73	26	a	a	DET
afbr-70	73	27	microfinancial	microfinancial	ADJ
afbr-70	73	28	institution	institution	NOUN
afbr-70	73	29	in	in	ADP
afbr-70	73	30	the	the	DET
afbr-70	73	31	country	country	NOUN
afbr-70	73	32	;	;	PUNCT
afbr-70	73	33	disbursed	disburse	VERB
afbr-70	73	34	over	over	ADP
afbr-70	73	35	13	13	NUM
afbr-70	73	36	million	million	NUM
afbr-70	73	37	usd	usd	NOUN
afbr-70	73	38	loans	loan	NOUN
afbr-70	73	39	to	to	ADP
afbr-70	73	40	borrowers	borrower	NOUN
afbr-70	73	41	,	,	PUNCT
afbr-70	73	42	1.3	1.3	NUM
afbr-70	73	43	million	million	NUM
afbr-70	73	44	and	and	CCONJ
afbr-70	73	45	provided	provide	VERB
afbr-70	73	46	technical	technical	ADJ
afbr-70	73	47	in	in	ADP
afbr-70	73	48	addition	addition	NOUN
afbr-70	73	49	to	to	ADP
afbr-70	73	50	financial	financial	ADJ
afbr-70	73	51	services	service	NOUN
afbr-70	73	52	to	to	ADP
afbr-70	73	53	bearly	bearly	ADV
afbr-70	73	54	61,000	61,000	NUM
afbr-70	73	55	women	woman	NOUN
afbr-70	73	56	living	live	VERB
afbr-70	73	57	in	in	ADP
afbr-70	73	58	abject	abject	ADJ
afbr-70	73	59	poverty	poverty	NOUN
afbr-70	73	60	particularly	particularly	ADV
afbr-70	73	61	rural	rural	ADJ
afbr-70	73	62	areas	area	NOUN
afbr-70	73	63	of	of	ADP
afbr-70	73	64	andhra	andhra	PROPN
afbr-70	73	65	pradesh	pradesh	PROPN
afbr-70	73	66	state	state	PROPN
afbr-70	73	67	.	.	PUNCT
afbr-70	74	1	these	these	DET
afbr-70	74	2	policy	policy	NOUN
afbr-70	74	3	strategies	strategy	NOUN
afbr-70	74	4	,	,	PUNCT
afbr-70	74	5	according	accord	VERB
afbr-70	74	6	to	to	ADP
afbr-70	74	7	the	the	DET
afbr-70	74	8	results	result	NOUN
afbr-70	74	9	,	,	PUNCT
afbr-70	74	10	usher	usher	PROPN
afbr-70	74	11	in	in	ADP
afbr-70	74	12	improved	improved	ADJ
afbr-70	74	13	living	living	NOUN
afbr-70	74	14	condition	condition	NOUN
afbr-70	74	15	,	,	PUNCT
afbr-70	74	16	they	they	PRON
afbr-70	74	17	became	become	VERB
afbr-70	74	18	self	self	NOUN
afbr-70	74	19	employed	employ	VERB
afbr-70	74	20	and	and	CCONJ
afbr-70	74	21	50	50	NUM
afbr-70	74	22	percent	percent	NOUN
afbr-70	74	23	of	of	ADP
afbr-70	74	24	the	the	DET
afbr-70	74	25	beneficiaries	beneficiary	NOUN
afbr-70	74	26	had	have	AUX
afbr-70	74	27	already	already	ADV
afbr-70	74	28	traversed	traverse	VERB
afbr-70	74	29	the	the	DET
afbr-70	74	30	poverty	poverty	NOUN
afbr-70	74	31	line	line	NOUN
afbr-70	74	32	(	(	PUNCT
afbr-70	74	33	bakhtiari	bakhtiari	ADJ
afbr-70	74	34	,	,	PUNCT
afbr-70	74	35	2011).however	2011).however	NUM
afbr-70	74	36	,	,	PUNCT
afbr-70	74	37	despite	despite	SCONJ
afbr-70	74	38	the	the	DET
afbr-70	74	39	achievements	achievement	NOUN
afbr-70	74	40	recorded	record	VERB
afbr-70	74	41	by	by	ADP
afbr-70	74	42	microfinancial	microfinancial	ADJ
afbr-70	74	43	institutions	institution	NOUN
afbr-70	74	44	on	on	ADP
afbr-70	74	45	poverty	poverty	NOUN
afbr-70	74	46	reduction	reduction	NOUN
afbr-70	74	47	in	in	ADP
afbr-70	74	48	many	many	ADJ
afbr-70	74	49	developing	develop	VERB
afbr-70	74	50	countries	country	NOUN
afbr-70	74	51	as	as	ADP
afbr-70	74	52	mention	mention	NOUN
afbr-70	74	53	above	above	ADV
afbr-70	74	54	,	,	PUNCT
afbr-70	74	55	poverty	poverty	NOUN
afbr-70	74	56	remains	remain	VERB
afbr-70	74	57	one	one	NUM
afbr-70	74	58	among	among	ADP
afbr-70	74	59	the	the	DET
afbr-70	74	60	socioeconomic	socioeconomic	ADJ
afbr-70	74	61	predicaments	predicament	NOUN
afbr-70	74	62	in	in	ADP
afbr-70	74	63	parts	part	NOUN
afbr-70	74	64	of	of	ADP
afbr-70	74	65	the	the	DET
afbr-70	74	66	world	world	NOUN
afbr-70	74	67	.	.	PUNCT
afbr-70	75	1	literature	literature	NOUN
afbr-70	75	2	further	far	ADV
afbr-70	75	3	supposed	suppose	VERB
afbr-70	75	4	that	that	SCONJ
afbr-70	75	5	countries	country	NOUN
afbr-70	75	6	such	such	ADJ
afbr-70	75	7	as	as	ADP
afbr-70	75	8	india	india	PROPN
afbr-70	75	9	and	and	CCONJ
afbr-70	75	10	nigeria	nigeria	PROPN
afbr-70	75	11	recorded	record	VERB
afbr-70	75	12	economy	economy	NOUN
afbr-70	75	13	growth	growth	NOUN
afbr-70	75	14	but	but	CCONJ
afbr-70	75	15	multidimensional	multidimensional	ADJ
afbr-70	75	16	poverty	poverty	NOUN
afbr-70	75	17	indices	index	NOUN
afbr-70	75	18	exist	exist	VERB
afbr-70	75	19	side	side	NOUN
afbr-70	75	20	by	by	ADP
afbr-70	75	21	side	side	NOUN
afbr-70	75	22	along	along	ADP
afbr-70	75	23	with	with	ADP
afbr-70	75	24	other	other	ADJ
afbr-70	75	25	forms	form	NOUN
afbr-70	75	26	of	of	ADP
afbr-70	75	27	deprivation	deprivation	NOUN
afbr-70	75	28	in	in	ADP
afbr-70	75	29	which	which	PRON
afbr-70	75	30	policy	policy	NOUN
afbr-70	75	31	makers	maker	NOUN
afbr-70	75	32	consistently	consistently	ADV
afbr-70	75	33	aspire	aspire	VERB
afbr-70	75	34	for	for	ADP
afbr-70	75	35	robust	robust	ADJ
afbr-70	75	36	solutions	solution	NOUN
afbr-70	75	37	(	(	PUNCT
afbr-70	75	38	aku	aku	PROPN
afbr-70	75	39	,	,	PUNCT
afbr-70	75	40	2017	2017	NUM
afbr-70	75	41	;	;	PUNCT
afbr-70	75	42	alkire	alkire	ADJ
afbr-70	75	43	,	,	PUNCT
afbr-70	75	44	&	&	CCONJ
afbr-70	75	45	seth	seth	PROPN
afbr-70	75	46	,	,	PUNCT
afbr-70	75	47	2015	2015	NUM
afbr-70	75	48	;	;	PUNCT
afbr-70	75	49	imai	imai	PROPN
afbr-70	75	50	,	,	PUNCT
afbr-70	75	51	arun	arun	PROPN
afbr-70	75	52	&	&	CCONJ
afbr-70	75	53	annim	annim	PROPN
afbr-70	75	54	,	,	PUNCT
afbr-70	75	55	2010	2010	NUM
afbr-70	75	56	)	)	PUNCT
afbr-70	75	57	.	.	PUNCT
afbr-70	76	1	based	base	VERB
afbr-70	76	2	on	on	ADP
afbr-70	76	3	the	the	DET
afbr-70	76	4	above	above	ADJ
afbr-70	76	5	arguments	argument	NOUN
afbr-70	76	6	,	,	PUNCT
afbr-70	76	7	studies	study	NOUN
afbr-70	76	8	indicated	indicate	VERB
afbr-70	76	9	that	that	SCONJ
afbr-70	76	10	microfinance	microfinance	NOUN
afbr-70	76	11	institutions	institution	NOUN
afbr-70	76	12	were	be	AUX
afbr-70	76	13	utilized	utilize	VERB
afbr-70	76	14	as	as	ADP
afbr-70	76	15	effective	effective	ADJ
afbr-70	76	16	strategies	strategy	NOUN
afbr-70	76	17	in	in	ADP
afbr-70	76	18	poverty	poverty	NOUN
afbr-70	76	19	reduction	reduction	NOUN
afbr-70	76	20	in	in	ADP
afbr-70	76	21	bangladesh	bangladesh	PROPN
afbr-70	76	22	,	,	PUNCT
afbr-70	76	23	india	india	PROPN
afbr-70	76	24	,	,	PUNCT
afbr-70	76	25	indonesia	indonesia	PROPN
afbr-70	76	26	,	,	PUNCT
afbr-70	76	27	philipinnes	philipinnes	PROPN
afbr-70	76	28	and	and	CCONJ
afbr-70	76	29	thailand	thailand	PROPN
afbr-70	76	30	.	.	PUNCT
afbr-70	77	1	however	however	ADV
afbr-70	77	2	,	,	PUNCT
afbr-70	77	3	studies	study	NOUN
afbr-70	77	4	in	in	ADP
afbr-70	77	5	other	other	ADJ
afbr-70	77	6	developing	develop	VERB
afbr-70	77	7	countries	country	NOUN
afbr-70	77	8	,	,	PUNCT
afbr-70	77	9	specifically	specifically	ADV
afbr-70	77	10	nigeria	nigeria	PROPN
afbr-70	77	11	,	,	PUNCT
afbr-70	77	12	uncover	uncover	VERB
afbr-70	77	13	that	that	SCONJ
afbr-70	77	14	some	some	DET
afbr-70	77	15	predicaments	predicament	NOUN
afbr-70	77	16	were	be	AUX
afbr-70	77	17	identified	identify	VERB
afbr-70	77	18	and	and	CCONJ
afbr-70	77	19	rendered	render	VERB
afbr-70	77	20	these	these	DET
afbr-70	77	21	institutions	institution	NOUN
afbr-70	77	22	weak	weak	ADJ
afbr-70	77	23	in	in	ADP
afbr-70	77	24	the	the	DET
afbr-70	77	25	quest	quest	NOUN
afbr-70	77	26	to	to	PART
afbr-70	77	27	reduce	reduce	VERB
afbr-70	77	28	the	the	DET
afbr-70	77	29	paucity	paucity	NOUN
afbr-70	77	30	of	of	ADP
afbr-70	77	31	resources	resource	NOUN
afbr-70	77	32	.	.	PUNCT
afbr-70	78	1	for	for	ADP
afbr-70	78	2	instance	instance	NOUN
afbr-70	78	3	insufficient	insufficient	ADJ
afbr-70	78	4	capital	capital	NOUN
afbr-70	78	5	,	,	PUNCT
afbr-70	78	6	diversion	diversion	NOUN
afbr-70	78	7	of	of	ADP
afbr-70	78	8	the	the	DET
afbr-70	78	9	funds	fund	NOUN
afbr-70	78	10	,	,	PUNCT
afbr-70	78	11	frequent	frequent	ADJ
afbr-70	78	12	change	change	NOUN
afbr-70	78	13	of	of	ADP
afbr-70	78	14	government	government	NOUN
afbr-70	78	15	policies	policy	NOUN
afbr-70	78	16	,	,	PUNCT
afbr-70	78	17	inadequate	inadequate	ADJ
afbr-70	78	18	technical	technical	ADJ
afbr-70	78	19	skills	skill	NOUN
afbr-70	78	20	and	and	CCONJ
afbr-70	78	21	high	high	ADJ
afbr-70	78	22	risk	risk	NOUN
afbr-70	78	23	as	as	ADV
afbr-70	78	24	well	well	ADV
afbr-70	78	25	as	as	ADP
afbr-70	78	26	lost	lose	VERB
afbr-70	78	27	of	of	ADP
afbr-70	78	28	loans	loan	NOUN
afbr-70	78	29	recoverydifficulties	recoverydifficultie	NOUN
afbr-70	78	30	were	be	AUX
afbr-70	78	31	some	some	PRON
afbr-70	78	32	of	of	ADP
afbr-70	78	33	the	the	DET
afbr-70	78	34	factors	factor	NOUN
afbr-70	78	35	militating	militate	VERB
afbr-70	78	36	against	against	ADP
afbr-70	78	37	the	the	DET
afbr-70	78	38	actvities	actvitie	NOUN
afbr-70	78	39	of	of	ADP
afbr-70	78	40	microfinancial	microfinancial	ADJ
afbr-70	78	41	banks	bank	NOUN
afbr-70	78	42	in	in	ADP
afbr-70	78	43	nigeria(edwin	nigeria(edwin	PROPN
afbr-70	78	44	,	,	PUNCT
afbr-70	78	45	taiwo	taiwo	NOUN
afbr-70	78	46	,	,	PUNCT
afbr-70	78	47	yewande	yewande	NOUN
afbr-70	78	48	,	,	PUNCT
afbr-70	78	49	&	&	CCONJ
afbr-70	78	50	benson	benson	PROPN
afbr-70	78	51	,	,	PUNCT
afbr-70	78	52	2016	2016	NUM
afbr-70	78	53	)	)	PUNCT
afbr-70	78	54	.	.	PUNCT
afbr-70	79	1	okpara	okpara	NOUN
afbr-70	79	2	,	,	PUNCT
afbr-70	79	3	(	(	PUNCT
afbr-70	79	4	2010	2010	NUM
afbr-70	79	5	)	)	PUNCT
afbr-70	79	6	studied	study	VERB
afbr-70	79	7	the	the	DET
afbr-70	79	8	impact	impact	NOUN
afbr-70	79	9	of	of	ADP
afbr-70	79	10	microfiance	microfiance	NOUN
afbr-70	79	11	banks	bank	NOUN
afbr-70	79	12	and	and	CCONJ
afbr-70	79	13	poverty	poverty	NOUN
afbr-70	79	14	alleviation	alleviation	NOUN
afbr-70	79	15	in	in	ADP
afbr-70	79	16	nigeria	nigeria	PROPN
afbr-70	79	17	using	use	VERB
afbr-70	79	18	secondary	secondary	ADJ
afbr-70	79	19	data	datum	NOUN
afbr-70	79	20	obtained	obtain	VERB
afbr-70	79	21	from	from	ADP
afbr-70	79	22	the	the	DET
afbr-70	79	23	national	national	PROPN
afbr-70	79	24	bureau	bureau	PROPN
afbr-70	79	25	of	of	ADP
afbr-70	79	26	statistics	statistic	NOUN
afbr-70	79	27	and	and	CCONJ
afbr-70	79	28	analysis	analysis	NOUN
afbr-70	79	29	the	the	DET
afbr-70	79	30	results	result	NOUN
afbr-70	79	31	through	through	ADP
afbr-70	79	32	factor	factor	NOUN
afbr-70	79	33	analysis	analysis	NOUN
afbr-70	79	34	.	.	PUNCT
afbr-70	80	1	findings	finding	NOUN
afbr-70	80	2	from	from	ADP
afbr-70	80	3	the	the	DET
afbr-70	80	4	survey	survey	NOUN
afbr-70	80	5	reveals	reveal	VERB
afbr-70	80	6	that	that	SCONJ
afbr-70	80	7	low	low	ADJ
afbr-70	80	8	profit	profit	NOUN
afbr-70	80	9	,	,	PUNCT
afbr-70	80	10	inadequate	inadequate	ADJ
afbr-70	80	11	capital	capital	NOUN
afbr-70	80	12	to	to	PART
afbr-70	80	13	set	set	VERB
afbr-70	80	14	of	of	ADP
afbr-70	80	15	business	business	NOUN
afbr-70	80	16	and	and	CCONJ
afbr-70	80	17	high	high	ADJ
afbr-70	80	18	prices	price	NOUN
afbr-70	80	19	of	of	ADP
afbr-70	80	20	commodities	commodity	NOUN
afbr-70	80	21	were	be	AUX
afbr-70	80	22	some	some	PRON
afbr-70	80	23	of	of	ADP
afbr-70	80	24	the	the	DET
afbr-70	80	25	factors	factor	NOUN
afbr-70	80	26	that	that	PRON
afbr-70	80	27	causes	cause	VERB
afbr-70	80	28	poverty	poverty	NOUN
afbr-70	80	29	in	in	ADP
afbr-70	80	30	the	the	DET
afbr-70	80	31	nigeria	nigeria	PROPN
afbr-70	80	32	context	context	NOUN
afbr-70	80	33	.	.	PUNCT
afbr-70	81	1	the	the	DET
afbr-70	81	2	study	study	NOUN
afbr-70	81	3	further	far	ADV
afbr-70	81	4	discovered	discover	VERB
afbr-70	81	5	two	two	NUM
afbr-70	81	6	major	major	ADJ
afbr-70	81	7	phases	phase	NOUN
afbr-70	81	8	in	in	ADP
afbr-70	81	9	which	which	PRON
afbr-70	81	10	microfinance	microfinance	NOUN
afbr-70	81	11	influence	influence	NOUN
afbr-70	81	12	poverty	poverty	NOUN
afbr-70	81	13	reduction	reduction	NOUN
afbr-70	81	14	:	:	PUNCT
afbr-70	81	15	the	the	DET
afbr-70	81	16	take	take	VERB
afbr-70	81	17	-	-	PUNCT
afbr-70	81	18	off	off	ADP
afbr-70	81	19	stage	stage	NOUN
afbr-70	81	20	,	,	PUNCT
afbr-70	81	21	which	which	PRON
afbr-70	81	22	explains	explain	VERB
afbr-70	81	23	that	that	SCONJ
afbr-70	81	24	poverty	poverty	NOUN
afbr-70	81	25	is	be	AUX
afbr-70	81	26	increasing	increase	VERB
afbr-70	81	27	while	while	SCONJ
afbr-70	81	28	as	as	SCONJ
afbr-70	81	29	at	at	ADP
afbr-70	81	30	the	the	DET
afbr-70	81	31	year	year	NOUN
afbr-70	81	32	2001	2001	NUM
afbr-70	81	33	,	,	PUNCT
afbr-70	81	34	the	the	DET
afbr-70	81	35	proliferation	proliferation	NOUN
afbr-70	81	36	of	of	ADP
afbr-70	81	37	more	more	ADJ
afbr-70	81	38	microfinancial	microfinancial	ADJ
afbr-70	81	39	institutions	institution	NOUN
afbr-70	81	40	led	lead	VERB
afbr-70	81	41	to	to	ADP
afbr-70	81	42	the	the	DET
afbr-70	81	43	decrease	decrease	NOUN
afbr-70	81	44	of	of	ADP
afbr-70	81	45	poverty	poverty	NOUN
afbr-70	81	46	level	level	NOUN
afbr-70	81	47	,	,	PUNCT
afbr-70	81	48	thus	thus	ADV
afbr-70	81	49	,	,	PUNCT
afbr-70	81	50	microfinance	microfinance	NOUN
afbr-70	81	51	facilitated	facilitate	VERB
afbr-70	81	52	the	the	DET
afbr-70	81	53	reduction	reduction	NOUN
afbr-70	81	54	of	of	ADP
afbr-70	81	55	paucity	paucity	NOUN
afbr-70	81	56	of	of	ADP
afbr-70	81	57	resources	resource	NOUN
afbr-70	81	58	in	in	ADP
afbr-70	81	59	the	the	DET
afbr-70	81	60	country	country	NOUN
afbr-70	81	61	.	.	PUNCT
afbr-70	82	1	the	the	DET
afbr-70	82	2	study	study	NOUN
afbr-70	82	3	exploration	exploration	NOUN
afbr-70	82	4	of	of	ADP
afbr-70	82	5	micro	micro	ADJ
afbr-70	82	6	-	-	ADJ
afbr-70	82	7	finance	finance	ADJ
afbr-70	82	8	banking	banking	NOUN
afbr-70	82	9	policies	policy	NOUN
afbr-70	82	10	and	and	CCONJ
afbr-70	82	11	strategies	strategy	NOUN
afbr-70	82	12	for	for	ADP
afbr-70	82	13	poverty	poverty	NOUN
afbr-70	82	14	reduction	reduction	NOUN
afbr-70	82	15	in	in	ADP
afbr-70	82	16	nigeria	nigeria	PROPN
afbr-70	82	17	umar	umar	PROPN
afbr-70	82	18	farouk	farouk	PROPN
afbr-70	82	19	musa	musa	PROPN
afbr-70	82	20	and	and	CCONJ
afbr-70	82	21	inuwa	inuwa	VERB
afbr-70	82	22	baba	baba	PROPN
afbr-70	82	23	abubakar	abubakar	PROPN
afbr-70	82	24	5	5	NUM
afbr-70	82	25	recommendated	recommendate	VERB
afbr-70	82	26	for	for	ADP
afbr-70	82	27	the	the	DET
afbr-70	82	28	government	government	NOUN
afbr-70	82	29	to	to	PART
afbr-70	82	30	established	establish	VERB
afbr-70	82	31	more	more	ADJ
afbr-70	82	32	microfiance	microfiance	NOUN
afbr-70	82	33	institutions	institution	NOUN
afbr-70	82	34	in	in	ADP
afbr-70	82	35	the	the	DET
afbr-70	82	36	country	country	NOUN
afbr-70	82	37	.	.	PUNCT
afbr-70	83	1	however	however	ADV
afbr-70	83	2	,	,	PUNCT
afbr-70	83	3	the	the	DET
afbr-70	83	4	study	study	NOUN
afbr-70	83	5	was	be	AUX
afbr-70	83	6	limited	limit	VERB
afbr-70	83	7	to	to	ADP
afbr-70	83	8	secondary	secondary	ADJ
afbr-70	83	9	data	datum	NOUN
afbr-70	83	10	hence	hence	ADV
afbr-70	83	11	;	;	PUNCT
afbr-70	83	12	survey	survey	NOUN
afbr-70	83	13	on	on	ADP
afbr-70	83	14	the	the	DET
afbr-70	83	15	causes	cause	NOUN
afbr-70	83	16	of	of	ADP
afbr-70	83	17	poverty	poverty	NOUN
afbr-70	83	18	requires	require	VERB
afbr-70	83	19	primary	primary	ADJ
afbr-70	83	20	data	datum	NOUN
afbr-70	83	21	via	via	ADP
afbr-70	83	22	interview	interview	NOUN
afbr-70	83	23	and	and	CCONJ
afbr-70	83	24	a	a	DET
afbr-70	83	25	survey	survey	NOUN
afbr-70	83	26	.	.	PUNCT
afbr-70	84	1	in	in	ADP
afbr-70	84	2	a	a	DET
afbr-70	84	3	study	study	NOUN
afbr-70	84	4	on	on	ADP
afbr-70	84	5	the	the	DET
afbr-70	84	6	challenges	challenge	NOUN
afbr-70	84	7	and	and	CCONJ
afbr-70	84	8	prospects	prospect	NOUN
afbr-70	84	9	of	of	ADP
afbr-70	84	10	microfinance	microfinance	NOUN
afbr-70	84	11	banking	banking	NOUN
afbr-70	84	12	institutions	institution	NOUN
afbr-70	84	13	in	in	ADP
afbr-70	84	14	nigeria	nigeria	PROPN
afbr-70	84	15	,	,	PUNCT
afbr-70	84	16	acha	acha	PROPN
afbr-70	84	17	,	,	PUNCT
afbr-70	84	18	(	(	PUNCT
afbr-70	84	19	2012	2012	NUM
afbr-70	84	20	)	)	PUNCT
afbr-70	84	21	discovered	discover	VERB
afbr-70	84	22	that	that	SCONJ
afbr-70	84	23	inadequate	inadequate	ADJ
afbr-70	84	24	infratsructures	infratsructure	NOUN
afbr-70	84	25	,	,	PUNCT
afbr-70	84	26	poor	poor	ADJ
afbr-70	84	27	legal	legal	ADJ
afbr-70	84	28	and	and	CCONJ
afbr-70	84	29	regulatory	regulatory	ADJ
afbr-70	84	30	institutions	institution	NOUN
afbr-70	84	31	,	,	PUNCT
afbr-70	84	32	social	social	ADJ
afbr-70	84	33	misconception	misconception	NOUN
afbr-70	84	34	,	,	PUNCT
afbr-70	84	35	paucity	paucity	NOUN
afbr-70	84	36	of	of	ADP
afbr-70	84	37	qualified	qualified	ADJ
afbr-70	84	38	manpower	manpower	NOUN
afbr-70	84	39	among	among	ADP
afbr-70	84	40	others	other	NOUN
afbr-70	84	41	were	be	AUX
afbr-70	84	42	the	the	DET
afbr-70	84	43	challenges	challenge	NOUN
afbr-70	84	44	of	of	ADP
afbr-70	84	45	microfinance	microfinance	NOUN
afbr-70	84	46	banks	bank	NOUN
afbr-70	84	47	in	in	ADP
afbr-70	84	48	the	the	DET
afbr-70	84	49	country	country	NOUN
afbr-70	84	50	.	.	PUNCT
afbr-70	85	1	the	the	DET
afbr-70	85	2	study	study	NOUN
afbr-70	85	3	equally	equally	ADV
afbr-70	85	4	unveil	unveil	ADJ
afbr-70	85	5	that	that	SCONJ
afbr-70	85	6	despite	despite	SCONJ
afbr-70	85	7	the	the	DET
afbr-70	85	8	aforementioned	aforementioned	ADJ
afbr-70	85	9	chllenges	chllenge	NOUN
afbr-70	85	10	the	the	DET
afbr-70	85	11	growing	grow	VERB
afbr-70	85	12	entrepreneurial	entrepreneurial	ADJ
afbr-70	85	13	awareness	awareness	NOUN
afbr-70	85	14	,	,	PUNCT
afbr-70	85	15	high	high	ADJ
afbr-70	85	16	population	population	NOUN
afbr-70	85	17	of	of	ADP
afbr-70	85	18	the	the	DET
afbr-70	85	19	poor	poor	ADJ
afbr-70	85	20	and	and	CCONJ
afbr-70	85	21	increasing	increase	VERB
afbr-70	85	22	interest	interest	NOUN
afbr-70	85	23	of	of	ADP
afbr-70	85	24	the	the	DET
afbr-70	85	25	policy	policy	NOUN
afbr-70	85	26	makers	maker	NOUN
afbr-70	85	27	in	in	ADP
afbr-70	85	28	allevaiting	allevaite	VERB
afbr-70	85	29	poverty	poverty	NOUN
afbr-70	85	30	were	be	AUX
afbr-70	85	31	as	as	ADV
afbr-70	85	32	well	well	ADV
afbr-70	85	33	discovery	discovery	NOUN
afbr-70	85	34	to	to	PART
afbr-70	85	35	influence	influence	VERB
afbr-70	85	36	the	the	DET
afbr-70	85	37	viability	viability	NOUN
afbr-70	85	38	and	and	CCONJ
afbr-70	85	39	flourishment	flourishment	ADJ
afbr-70	85	40	ofthese	ofthese	ADJ
afbr-70	85	41	institutions	institution	NOUN
afbr-70	85	42	.	.	PUNCT
afbr-70	86	1	the	the	DET
afbr-70	86	2	study	study	NOUN
afbr-70	86	3	suggested	suggest	VERB
afbr-70	86	4	for	for	ADP
afbr-70	86	5	the	the	DET
afbr-70	86	6	restablishment	restablishment	NOUN
afbr-70	86	7	of	of	ADP
afbr-70	86	8	the	the	DET
afbr-70	86	9	regulations	regulation	NOUN
afbr-70	86	10	and	and	CCONJ
afbr-70	86	11	articulated	articulated	ADJ
afbr-70	86	12	commitment	commitment	NOUN
afbr-70	86	13	to	to	PART
afbr-70	86	14	push	push	VERB
afbr-70	86	15	microfinance	microfinance	NOUN
afbr-70	86	16	banking	banking	NOUN
afbr-70	86	17	instutitions	instutition	NOUN
afbr-70	86	18	in	in	ADP
afbr-70	86	19	nigeria	nigeria	PROPN
afbr-70	86	20	.	.	PUNCT
afbr-70	87	1	this	this	DET
afbr-70	87	2	study	study	NOUN
afbr-70	87	3	is	be	AUX
afbr-70	87	4	constraint	constraint	NOUN
afbr-70	87	5	by	by	ADP
afbr-70	87	6	the	the	DET
afbr-70	87	7	shortfall	shortfall	NOUN
afbr-70	87	8	of	of	ADP
afbr-70	87	9	proper	proper	ADJ
afbr-70	87	10	methodological	methodological	ADJ
afbr-70	87	11	techniques	technique	NOUN
afbr-70	87	12	in	in	ADP
afbr-70	87	13	the	the	DET
afbr-70	87	14	process	process	NOUN
afbr-70	87	15	of	of	ADP
afbr-70	87	16	data	datum	NOUN
afbr-70	87	17	collection	collection	NOUN
afbr-70	87	18	and	and	CCONJ
afbr-70	87	19	unable	unable	ADJ
afbr-70	87	20	to	to	PART
afbr-70	87	21	esatablish	esatablish	VERB
afbr-70	87	22	limitations	limitation	NOUN
afbr-70	87	23	as	as	ADV
afbr-70	87	24	well	well	ADV
afbr-70	87	25	as	as	ADP
afbr-70	87	26	direction	direction	NOUN
afbr-70	87	27	for	for	ADP
afbr-70	87	28	future	future	ADJ
afbr-70	87	29	studies	study	NOUN
afbr-70	87	30	.	.	PUNCT
afbr-70	88	1	based	base	VERB
afbr-70	88	2	on	on	ADP
afbr-70	88	3	the	the	DET
afbr-70	88	4	literature	literature	NOUN
afbr-70	88	5	reviewed	reviewed	AUX
afbr-70	88	6	,	,	PUNCT
afbr-70	88	7	several	several	ADJ
afbr-70	88	8	gaps	gap	NOUN
afbr-70	88	9	were	be	AUX
afbr-70	88	10	identified	identify	VERB
afbr-70	88	11	which	which	PRON
afbr-70	88	12	this	this	DET
afbr-70	88	13	study	study	NOUN
afbr-70	88	14	intends	intend	VERB
afbr-70	88	15	to	to	PART
afbr-70	88	16	fill	fill	VERB
afbr-70	88	17	and	and	CCONJ
afbr-70	88	18	explore	explore	VERB
afbr-70	88	19	startegies	startegie	NOUN
afbr-70	88	20	to	to	PART
afbr-70	88	21	cushion	cushion	VERB
afbr-70	88	22	the	the	DET
afbr-70	88	23	difficulties	difficulty	NOUN
afbr-70	88	24	the	the	DET
afbr-70	88	25	poor	poor	ADJ
afbr-70	88	26	encountered	encounter	VERB
afbr-70	88	27	in	in	ADP
afbr-70	88	28	accessing	access	VERB
afbr-70	88	29	microfinancial	microfinancial	ADJ
afbr-70	88	30	packages	package	NOUN
afbr-70	88	31	in	in	ADP
afbr-70	88	32	the	the	DET
afbr-70	88	33	nigeria	nigeria	PROPN
afbr-70	88	34	context	context	NOUN
afbr-70	88	35	.	.	PUNCT
afbr-70	89	1	for	for	SCONJ
afbr-70	89	2	intance	intance	NOUN
afbr-70	89	3	bank	bank	NOUN
afbr-70	89	4	rakyat	rakyat	PROPN
afbr-70	89	5	in	in	ADP
afbr-70	89	6	indonesia	indonesia	PROPN
afbr-70	89	7	had	have	AUX
afbr-70	89	8	yielded	yield	VERB
afbr-70	89	9	remarkable	remarkable	ADJ
afbr-70	89	10	improvement	improvement	NOUN
afbr-70	89	11	on	on	ADP
afbr-70	89	12	poverty	poverty	NOUN
afbr-70	89	13	reduction	reduction	NOUN
afbr-70	89	14	via	via	ADP
afbr-70	89	15	uniformity	uniformity	NOUN
afbr-70	89	16	of	of	ADP
afbr-70	89	17	packages.while	packages.while	NOUN
afbr-70	89	18	the	the	DET
afbr-70	89	19	center	center	NOUN
afbr-70	89	20	for	for	ADP
afbr-70	89	21	agriculture	agriculture	NOUN
afbr-70	89	22	and	and	CCONJ
afbr-70	89	23	rural	rural	ADJ
afbr-70	89	24	development	development	NOUN
afbr-70	89	25	(	(	PUNCT
afbr-70	89	26	ca	ca	NOUN
afbr-70	89	27	rd	rd	PROPN
afbr-70	89	28	)	)	PUNCT
afbr-70	89	29	had	have	AUX
afbr-70	89	30	afforded	afford	VERB
afbr-70	89	31	34,000	34,000	NUM
afbr-70	89	32	poorest	poor	ADJ
afbr-70	89	33	women	woman	NOUN
afbr-70	89	34	with	with	ADP
afbr-70	89	35	capital	capital	NOUN
afbr-70	89	36	and	and	CCONJ
afbr-70	89	37	in	in	ADP
afbr-70	89	38	the	the	DET
afbr-70	89	39	long	long	ADJ
afbr-70	89	40	run	run	NOUN
afbr-70	89	41	became	become	VERB
afbr-70	89	42	self	self	NOUN
afbr-70	89	43	-	-	PUNCT
afbr-70	89	44	employed	employ	VERB
afbr-70	89	45	in	in	ADP
afbr-70	89	46	philippines	philippine	NOUN
afbr-70	89	47	.	.	PUNCT
afbr-70	90	1	additionally	additionally	ADV
afbr-70	90	2	,	,	PUNCT
afbr-70	90	3	a	a	DET
afbr-70	90	4	sum	sum	NOUN
afbr-70	90	5	of	of	ADP
afbr-70	90	6	17	17	NUM
afbr-70	90	7	.25	.25	NUM
afbr-70	90	8	million	million	NUM
afbr-70	90	9	usd	usd	NOUN
afbr-70	90	10	was	be	AUX
afbr-70	90	11	disbursed	disburse	VERB
afbr-70	90	12	and	and	CCONJ
afbr-70	90	13	these	these	DET
afbr-70	90	14	development	development	NOUN
afbr-70	90	15	translated	translate	VERB
afbr-70	90	16	into	into	ADP
afbr-70	90	17	poverty	poverty	NOUN
afbr-70	90	18	reduction	reduction	NOUN
afbr-70	90	19	via	via	ADP
afbr-70	90	20	microfinance	microfinance	NOUN
afbr-70	90	21	institutions	institution	NOUN
afbr-70	90	22	(	(	PUNCT
afbr-70	90	23	bakhtiari	bakhtiari	PROPN
afbr-70	90	24	,	,	PUNCT
afbr-70	90	25	2011).liman	2011).liman	PROPN
afbr-70	90	26	,	,	PUNCT
afbr-70	90	27	hashim	hashim	PROPN
afbr-70	90	28	,	,	PUNCT
afbr-70	90	29	&	&	CCONJ
afbr-70	90	30	arshad	arshad	PROPN
afbr-70	90	31	,	,	PUNCT
afbr-70	90	32	(	(	PUNCT
afbr-70	90	33	2017	2017	NUM
afbr-70	90	34	)	)	PUNCT
afbr-70	90	35	attested	attest	VERB
afbr-70	90	36	that	that	SCONJ
afbr-70	90	37	microfinance	microfinance	NOUN
afbr-70	90	38	institutions	institution	NOUN
afbr-70	90	39	in	in	ADP
afbr-70	90	40	nigeria	nigeria	PROPN
afbr-70	90	41	lacks	lack	VERB
afbr-70	90	42	uniform	uniform	ADJ
afbr-70	90	43	lending	lending	NOUN
afbr-70	90	44	policies	policy	NOUN
afbr-70	90	45	,	,	PUNCT
afbr-70	90	46	organizational	organizational	ADJ
afbr-70	90	47	strategies	strategy	NOUN
afbr-70	90	48	and	and	CCONJ
afbr-70	90	49	heterogenous	heterogenous	ADJ
afbr-70	90	50	in	in	ADP
afbr-70	90	51	terms	term	NOUN
afbr-70	90	52	of	of	ADP
afbr-70	90	53	ownership	ownership	NOUN
afbr-70	90	54	.	.	PUNCT
afbr-70	91	1	they	they	PRON
afbr-70	91	2	further	far	ADV
afbr-70	91	3	identify	identify	VERB
afbr-70	91	4	that	that	DET
afbr-70	91	5	insufficient	insufficient	ADJ
afbr-70	91	6	capital	capital	NOUN
afbr-70	91	7	,	,	PUNCT
afbr-70	91	8	frail	frail	ADJ
afbr-70	91	9	legal	legal	ADJ
afbr-70	91	10	framework	framework	NOUN
afbr-70	91	11	,	,	PUNCT
afbr-70	91	12	financial	financial	ADJ
afbr-70	91	13	products	product	NOUN
afbr-70	91	14	and	and	CCONJ
afbr-70	91	15	expertise	expertise	NOUN
afbr-70	91	16	services	service	NOUN
afbr-70	91	17	constraints	constraint	NOUN
afbr-70	91	18	,	,	PUNCT
afbr-70	91	19	cummulated	cummulate	VERB
afbr-70	91	20	into	into	ADP
afbr-70	91	21	fragile	fragile	ADJ
afbr-70	91	22	services	service	NOUN
afbr-70	91	23	rendered	render	VERB
afbr-70	91	24	to	to	ADP
afbr-70	91	25	their	their	PRON
afbr-70	91	26	respective	respective	ADJ
afbr-70	91	27	customers	customer	NOUN
afbr-70	91	28	.	.	PUNCT
afbr-70	92	1	5	5	X
afbr-70	92	2	.	.	X
afbr-70	92	3	data	datum	NOUN
afbr-70	92	4	analysis	analysis	NOUN
afbr-70	92	5	and	and	CCONJ
afbr-70	92	6	results	result	VERB
afbr-70	92	7	the	the	DET
afbr-70	92	8	results	result	NOUN
afbr-70	92	9	were	be	AUX
afbr-70	92	10	articulated	articulate	VERB
afbr-70	92	11	according	accord	VERB
afbr-70	92	12	to	to	ADP
afbr-70	92	13	types	type	NOUN
afbr-70	92	14	of	of	ADP
afbr-70	92	15	microfinance	microfinance	NOUN
afbr-70	92	16	in	in	ADP
afbr-70	92	17	nigeria	nigeria	PROPN
afbr-70	92	18	,	,	PUNCT
afbr-70	92	19	policies	policy	NOUN
afbr-70	92	20	,	,	PUNCT
afbr-70	92	21	challenges	challenge	NOUN
afbr-70	92	22	and	and	CCONJ
afbr-70	92	23	strategies	strategy	NOUN
afbr-70	92	24	to	to	PART
afbr-70	92	25	improve	improve	VERB
afbr-70	92	26	microfinance	microfinance	NOUN
afbr-70	92	27	institutional	institutional	ADJ
afbr-70	92	28	services	service	NOUN
afbr-70	92	29	to	to	PART
afbr-70	92	30	reduce	reduce	VERB
afbr-70	92	31	poverty	poverty	NOUN
afbr-70	92	32	respectively	respectively	ADV
afbr-70	92	33	.	.	PUNCT
afbr-70	93	1	5.1	5.1	NUM
afbr-70	93	2	types	type	NOUN
afbr-70	93	3	of	of	ADP
afbr-70	93	4	micro	micro	ADJ
afbr-70	93	5	-	-	ADJ
afbr-70	93	6	finance	finance	ADJ
afbr-70	93	7	institutions	institution	NOUN
afbr-70	93	8	in	in	ADP
afbr-70	93	9	nigeria	nigeria	PROPN
afbr-70	93	10	the	the	DET
afbr-70	93	11	informants	informant	NOUN
afbr-70	93	12	narrated	narrate	VERB
afbr-70	93	13	that	that	SCONJ
afbr-70	93	14	the	the	DET
afbr-70	93	15	types	type	NOUN
afbr-70	93	16	of	of	ADP
afbr-70	93	17	microfinancial	microfinancial	ADJ
afbr-70	93	18	banking	banking	NOUN
afbr-70	93	19	instututions	instutution	NOUN
afbr-70	93	20	in	in	ADP
afbr-70	93	21	nigeria	nigeria	PROPN
afbr-70	93	22	consist	consist	VERB
afbr-70	93	23	of	of	ADP
afbr-70	93	24	formal	formal	ADJ
afbr-70	93	25	,	,	PUNCT
afbr-70	93	26	informal	informal	ADJ
afbr-70	93	27	,	,	PUNCT
afbr-70	93	28	development	development	NOUN
afbr-70	93	29	and	and	CCONJ
afbr-70	93	30	mortgage	mortgage	NOUN
afbr-70	93	31	.	.	PUNCT
afbr-70	94	1	others	other	NOUN
afbr-70	94	2	include	include	VERB
afbr-70	94	3	community	community	NOUN
afbr-70	94	4	bank	bank	NOUN
afbr-70	94	5	,	,	PUNCT
afbr-70	94	6	public	public	ADJ
afbr-70	94	7	or	or	CCONJ
afbr-70	94	8	government	government	NOUN
afbr-70	94	9	owned	own	VERB
afbr-70	94	10	,	,	PUNCT
afbr-70	94	11	private	private	ADJ
afbr-70	94	12	and	and	CCONJ
afbr-70	94	13	foreign	foreign	ADJ
afbr-70	94	14	microfinance	microfinance	NOUN
afbr-70	94	15	and	and	CCONJ
afbr-70	94	16	thus	thus	ADV
afbr-70	94	17	:	:	PUNCT
afbr-70	94	18	formal	formal	ADJ
afbr-70	94	19	microfinancial	microfinancial	ADJ
afbr-70	94	20	institutions	institution	NOUN
afbr-70	94	21	were	be	AUX
afbr-70	94	22	design	design	NOUN
afbr-70	94	23	by	by	ADP
afbr-70	94	24	the	the	DET
afbr-70	94	25	cenral	cenral	ADJ
afbr-70	94	26	bank	bank	PROPN
afbr-70	94	27	of	of	ADP
afbr-70	94	28	nigeria	nigeria	PROPN
afbr-70	94	29	purposely	purposely	ADV
afbr-70	94	30	to	to	PART
afbr-70	94	31	provide	provide	VERB
afbr-70	94	32	financial	financial	ADJ
afbr-70	94	33	services	service	NOUN
afbr-70	94	34	to	to	ADP
afbr-70	94	35	the	the	DET
afbr-70	94	36	active	active	ADJ
afbr-70	94	37	poor	poor	ADJ
afbr-70	94	38	population	population	NOUN
afbr-70	94	39	who	who	PRON
afbr-70	94	40	were	be	AUX
afbr-70	94	41	excluded	exclude	VERB
afbr-70	94	42	from	from	ADP
afbr-70	94	43	government	government	NOUN
afbr-70	94	44	financial	financial	ADJ
afbr-70	94	45	institutions.their	institutions.their	NUM
afbr-70	94	46	services	service	NOUN
afbr-70	94	47	comprises	comprise	NOUN
afbr-70	94	48	of	of	ADP
afbr-70	94	49	issuence	issuence	NOUN
afbr-70	94	50	of	of	ADP
afbr-70	94	51	microcredits	microcredit	NOUN
afbr-70	94	52	facilities	facility	NOUN
afbr-70	94	53	,	,	PUNCT
afbr-70	94	54	acceptance	acceptance	NOUN
afbr-70	94	55	of	of	ADP
afbr-70	94	56	deposits	deposit	NOUN
afbr-70	94	57	,	,	PUNCT
afbr-70	94	58	facilitation	facilitation	NOUN
afbr-70	94	59	of	of	ADP
afbr-70	94	60	credit	credit	NOUN
afbr-70	94	61	transfer	transfer	NOUN
afbr-70	94	62	and	and	CCONJ
afbr-70	94	63	offering	offer	VERB
afbr-70	94	64	leasing	leasing	NOUN
afbr-70	94	65	as	as	ADP
afbr-70	94	66	medium	medium	ADJ
afbr-70	94	67	term	term	NOUN
afbr-70	94	68	finance	finance	NOUN
afbr-70	94	69	(	(	PUNCT
afbr-70	94	70	informant1	informant1	NOUN
afbr-70	94	71	)	)	PUNCT
afbr-70	94	72	.	.	PUNCT
afbr-70	95	1	the	the	DET
afbr-70	95	2	informal	informal	ADJ
afbr-70	95	3	microfinancial	microfinancial	ADJ
afbr-70	95	4	institutions	institution	NOUN
afbr-70	95	5	consist	consist	VERB
afbr-70	95	6	of	of	ADP
afbr-70	95	7	cooperative	cooperative	ADJ
afbr-70	95	8	credit	credit	NOUN
afbr-70	95	9	society	society	NOUN
afbr-70	95	10	,	,	PUNCT
afbr-70	95	11	community	community	NOUN
afbr-70	95	12	savings	saving	NOUN
afbr-70	95	13	and	and	CCONJ
afbr-70	95	14	loan	loan	NOUN
afbr-70	95	15	associations	association	NOUN
afbr-70	95	16	.	.	PUNCT
afbr-70	96	1	cooperative	cooperative	ADJ
afbr-70	96	2	credit	credit	NOUN
afbr-70	96	3	society	society	NOUN
afbr-70	96	4	serve	serve	VERB
afbr-70	96	5	as	as	ADP
afbr-70	96	6	associations	association	NOUN
afbr-70	96	7	of	of	ADP
afbr-70	96	8	individuals	individual	NOUN
afbr-70	96	9	that	that	PRON
afbr-70	96	10	pooled	pool	VERB
afbr-70	96	11	resources	resource	NOUN
afbr-70	96	12	collectively	collectively	ADV
afbr-70	96	13	on	on	ADP
afbr-70	96	14	mutual	mutual	ADJ
afbr-70	96	15	basis	basis	NOUN
afbr-70	96	16	for	for	ADP
afbr-70	96	17	specific	specific	ADJ
afbr-70	96	18	socio	socio	NOUN
afbr-70	96	19	-	-	PUNCT
afbr-70	96	20	economic	economic	ADJ
afbr-70	96	21	purposes.the	purposes.the	DET
afbr-70	96	22	community	community	NOUN
afbr-70	96	23	savings	saving	NOUN
afbr-70	96	24	and	and	CCONJ
afbr-70	96	25	credit	credit	NOUN
afbr-70	96	26	schemesareforms	schemesareform	NOUN
afbr-70	96	27	of	of	ADP
afbr-70	96	28	financial	financial	ADJ
afbr-70	96	29	institutions	institution	NOUN
afbr-70	96	30	established	establish	VERB
afbr-70	96	31	by	by	ADP
afbr-70	96	32	societies	society	NOUN
afbr-70	96	33	for	for	ADP
afbr-70	96	34	mutual	mutual	ADJ
afbr-70	96	35	benefits	benefit	NOUN
afbr-70	96	36	of	of	ADP
afbr-70	96	37	their	their	PRON
afbr-70	96	38	members	member	NOUN
afbr-70	96	39	.	.	PUNCT
afbr-70	97	1	they	they	PRON
afbr-70	97	2	are	be	AUX
afbr-70	97	3	mostly	mostly	ADV
afbr-70	97	4	owned	own	VERB
afbr-70	97	5	by	by	ADP
afbr-70	97	6	communities	community	NOUN
afbr-70	97	7	,	,	PUNCT
afbr-70	97	8	they	they	PRON
afbr-70	97	9	offer	offer	VERB
afbr-70	97	10	loans	loan	NOUN
afbr-70	97	11	within	within	ADP
afbr-70	97	12	the	the	DET
afbr-70	97	13	duration	duration	NOUN
afbr-70	97	14	of	of	ADP
afbr-70	97	15	three	three	NUM
afbr-70	97	16	to	to	PART
afbr-70	97	17	six	six	NUM
afbr-70	97	18	months	month	NOUN
afbr-70	97	19	with	with	ADP
afbr-70	97	20	less	less	ADJ
afbr-70	97	21	than	than	ADP
afbr-70	97	22	five	five	NUM
afbr-70	97	23	percent	percent	NOUN
afbr-70	97	24	and	and	CCONJ
afbr-70	97	25	not	not	PART
afbr-70	97	26	more	more	ADJ
afbr-70	97	27	than	than	ADP
afbr-70	97	28	twenty	twenty	NUM
afbr-70	97	29	percent	percent	NOUN
afbr-70	97	30	interest	interest	NOUN
afbr-70	97	31	rate	rate	NOUN
afbr-70	97	32	.	.	PUNCT
afbr-70	98	1	these	these	DET
afbr-70	98	2	banks	bank	NOUN
afbr-70	98	3	usually	usually	ADV
afbr-70	98	4	established	establish	VERB
afbr-70	98	5	a	a	DET
afbr-70	98	6	policy	policy	NOUN
afbr-70	98	7	of	of	ADP
afbr-70	98	8	repayment	repayment	NOUN
afbr-70	98	9	daily	daily	ADV
afbr-70	98	10	,	,	PUNCT
afbr-70	98	11	weekly	weekly	ADJ
afbr-70	98	12	and	and	CCONJ
afbr-70	98	13	monthly	monthly	ADJ
afbr-70	98	14	respectively	respectively	ADV
afbr-70	98	15	.	.	PUNCT
afbr-70	99	1	they	they	PRON
afbr-70	99	2	offers	offer	VERB
afbr-70	99	3	a	a	DET
afbr-70	99	4	minimum	minimum	ADJ
afbr-70	99	5	loans	loan	NOUN
afbr-70	99	6	package	package	NOUN
afbr-70	99	7	of	of	ADP
afbr-70	99	8	ten	ten	NUM
afbr-70	99	9	thousand	thousand	NUM
afbr-70	99	10	naira	naira	NOUN
afbr-70	99	11	.	.	PUNCT
afbr-70	100	1	the	the	DET
afbr-70	100	2	schemes	scheme	NOUN
afbr-70	100	3	were	be	AUX
afbr-70	100	4	informal	informal	ADJ
afbr-70	100	5	in	in	ADP
afbr-70	100	6	nature	nature	NOUN
afbr-70	100	7	with	with	ADP
afbr-70	100	8	low	low	ADJ
afbr-70	100	9	interest	interest	NOUN
afbr-70	100	10	rate	rate	NOUN
afbr-70	100	11	(	(	PUNCT
afbr-70	100	12	informant	informant	NOUN
afbr-70	100	13	1&5	1&5	NUM
afbr-70	100	14	)	)	PUNCT
afbr-70	100	15	.	.	PUNCT
afbr-70	101	1	exploration	exploration	NOUN
afbr-70	101	2	of	of	ADP
afbr-70	101	3	micro	micro	ADJ
afbr-70	101	4	-	-	ADJ
afbr-70	101	5	finance	finance	ADJ
afbr-70	101	6	banking	banking	NOUN
afbr-70	101	7	policies	policy	NOUN
afbr-70	101	8	and	and	CCONJ
afbr-70	101	9	strategies	strategy	NOUN
afbr-70	101	10	for	for	ADP
afbr-70	101	11	poverty	poverty	NOUN
afbr-70	101	12	reduction	reduction	NOUN
afbr-70	101	13	in	in	ADP
afbr-70	101	14	nigeria	nigeria	PROPN
afbr-70	101	15	umar	umar	PROPN
afbr-70	101	16	farouk	farouk	PROPN
afbr-70	101	17	musa	musa	PROPN
afbr-70	101	18	and	and	CCONJ
afbr-70	101	19	inuwa	inuwa	VERB
afbr-70	101	20	baba	baba	PROPN
afbr-70	101	21	abubakar	abubakar	PROPN
afbr-70	101	22	6	6	NUM
afbr-70	101	23	informant	informant	NOUN
afbr-70	101	24	two	two	NUM
afbr-70	101	25	maintained	maintain	VERB
afbr-70	101	26	that	that	SCONJ
afbr-70	101	27	microfinance	microfinance	NOUN
afbr-70	101	28	were	be	AUX
afbr-70	101	29	categorised	categorise	VERB
afbr-70	101	30	into	into	ADP
afbr-70	101	31	those	those	DET
afbr-70	101	32	engaging	engage	VERB
afbr-70	101	33	develoment	develoment	NOUN
afbr-70	101	34	programs	program	NOUN
afbr-70	101	35	such	such	ADJ
afbr-70	101	36	mortgaging	mortgaging	NOUN
afbr-70	101	37	,	,	PUNCT
afbr-70	101	38	community	community	NOUN
afbr-70	101	39	financing	financing	NOUN
afbr-70	101	40	services	service	NOUN
afbr-70	101	41	such	such	ADJ
afbr-70	101	42	as	as	ADP
afbr-70	101	43	issuence	issuence	NOUN
afbr-70	101	44	of	of	ADP
afbr-70	101	45	loans	loan	NOUN
afbr-70	101	46	and	and	CCONJ
afbr-70	101	47	microcredit	microcredit	NOUN
afbr-70	101	48	facilities	facility	NOUN
afbr-70	101	49	to	to	ADP
afbr-70	101	50	the	the	DET
afbr-70	101	51	poor	poor	ADJ
afbr-70	101	52	and	and	CCONJ
afbr-70	101	53	low	low	ADJ
afbr-70	101	54	class	class	NOUN
afbr-70	101	55	citizens	citizen	NOUN
afbr-70	101	56	.	.	PUNCT
afbr-70	102	1	these	these	DET
afbr-70	102	2	institutions	institution	NOUN
afbr-70	102	3	equally	equally	ADV
afbr-70	102	4	provided	provide	VERB
afbr-70	102	5	financial	financial	ADJ
afbr-70	102	6	services	service	NOUN
afbr-70	102	7	to	to	ADP
afbr-70	102	8	with	with	ADP
afbr-70	102	9	low	low	ADJ
afbr-70	102	10	interest	interest	NOUN
afbr-70	102	11	rate	rate	NOUN
afbr-70	102	12	,	,	PUNCT
afbr-70	102	13	mostly	mostly	ADV
afbr-70	102	14	one	one	NUM
afbr-70	102	15	percent	percent	NOUN
afbr-70	102	16	in	in	ADP
afbr-70	102	17	nigeria	nigeria	PROPN
afbr-70	102	18	.	.	PUNCT
afbr-70	103	1	there	there	PRON
afbr-70	103	2	are	be	VERB
afbr-70	103	3	basically	basically	ADV
afbr-70	103	4	three	three	NUM
afbr-70	103	5	different	different	ADJ
afbr-70	103	6	types	type	NOUN
afbr-70	103	7	of	of	ADP
afbr-70	103	8	microfinance	microfinance	NOUN
afbr-70	103	9	institutions	institution	NOUN
afbr-70	103	10	in	in	ADP
afbr-70	103	11	nigeria	nigeria	PROPN
afbr-70	103	12	and	and	CCONJ
afbr-70	103	13	specifically	specifically	ADV
afbr-70	103	14	in	in	ADP
afbr-70	103	15	kano	kano	PROPN
afbr-70	103	16	:	:	PUNCT
afbr-70	103	17	public	public	NOUN
afbr-70	103	18	owned	own	VERB
afbr-70	103	19	microfinance	microfinance	NOUN
afbr-70	103	20	banks	bank	NOUN
afbr-70	103	21	with	with	ADP
afbr-70	103	22	about	about	ADV
afbr-70	103	23	thirty	thirty	NUM
afbr-70	103	24	eight	eight	NUM
afbr-70	103	25	branches	branch	NOUN
afbr-70	103	26	in	in	ADP
afbr-70	103	27	the	the	DET
afbr-70	103	28	state	state	NOUN
afbr-70	103	29	such	such	ADJ
afbr-70	103	30	as	as	ADP
afbr-70	103	31	gaya	gaya	PROPN
afbr-70	103	32	,	,	PUNCT
afbr-70	103	33	dambatta	dambatta	NOUN
afbr-70	103	34	-	-	PUNCT
afbr-70	103	35	makoda	makoda	NOUN
afbr-70	103	36	,	,	PUNCT
afbr-70	103	37	access	access	NOUN
afbr-70	103	38	,	,	PUNCT
afbr-70	103	39	albasu	albasu	ADJ
afbr-70	103	40	,	,	PUNCT
afbr-70	103	41	north	north	NOUN
afbr-70	103	42	bridge	bridge	NOUN
afbr-70	103	43	,	,	PUNCT
afbr-70	103	44	sauna	sauna	NOUN
afbr-70	103	45	and	and	CCONJ
afbr-70	103	46	municipal	municipal	ADJ
afbr-70	103	47	microfianance	microfianance	NOUN
afbr-70	103	48	banks	bank	VERB
afbr-70	103	49	respectively.commmunity	respectively.commmunity	NOUN
afbr-70	103	50	microfinance	microfinance	NOUN
afbr-70	103	51	banks	bank	NOUN
afbr-70	103	52	especially	especially	ADV
afbr-70	103	53	in	in	ADP
afbr-70	103	54	the	the	DET
afbr-70	103	55	southern	southern	ADJ
afbr-70	103	56	part	part	NOUN
afbr-70	103	57	of	of	ADP
afbr-70	103	58	nigeria	nigeria	PROPN
afbr-70	103	59	.	.	PUNCT
afbr-70	104	1	there	there	PRON
afbr-70	104	2	are	be	VERB
afbr-70	104	3	equally	equally	ADV
afbr-70	104	4	those	those	PRON
afbr-70	104	5	with	with	ADP
afbr-70	104	6	islamic	islamic	ADJ
afbr-70	104	7	packages	package	NOUN
afbr-70	104	8	and	and	CCONJ
afbr-70	104	9	orientation	orientation	NOUN
afbr-70	104	10	.	.	PUNCT
afbr-70	105	1	these	these	PRON
afbr-70	105	2	are	be	AUX
afbr-70	105	3	called	call	VERB
afbr-70	105	4	islamic	islamic	ADJ
afbr-70	105	5	microfinance	microfinance	NOUN
afbr-70	105	6	banks	bank	NOUN
afbr-70	105	7	(	(	PUNCT
afbr-70	105	8	informant	informant	NOUN
afbr-70	105	9	four	four	NUM
afbr-70	105	10	)	)	PUNCT
afbr-70	105	11	.	.	PUNCT
afbr-70	106	1	informant	informant	PROPN
afbr-70	106	2	five	five	NUM
afbr-70	106	3	,	,	PUNCT
afbr-70	106	4	attested	attest	VERB
afbr-70	106	5	that	that	SCONJ
afbr-70	106	6	microfinancial	microfinancial	ADJ
afbr-70	106	7	banks	bank	NOUN
afbr-70	106	8	in	in	ADP
afbr-70	106	9	nigeria	nigeria	PROPN
afbr-70	106	10	are	be	AUX
afbr-70	106	11	categorised	categorise	VERB
afbr-70	106	12	into	into	ADP
afbr-70	106	13	community	community	NOUN
afbr-70	106	14	,	,	PUNCT
afbr-70	106	15	private	private	ADJ
afbr-70	106	16	,	,	PUNCT
afbr-70	106	17	ngos	ngo	NOUN
afbr-70	106	18	,	,	PUNCT
afbr-70	106	19	public	public	ADJ
afbr-70	106	20	and	and	CCONJ
afbr-70	106	21	foreign	foreign	ADJ
afbr-70	106	22	institutions	institution	NOUN
afbr-70	106	23	.	.	PUNCT
afbr-70	107	1	for	for	ADP
afbr-70	107	2	instance	instance	NOUN
afbr-70	107	3	the	the	DET
afbr-70	107	4	public	public	NOUN
afbr-70	107	5	owned	own	VERB
afbr-70	107	6	mfis	mfis	NOUN
afbr-70	107	7	offers	offer	VERB
afbr-70	107	8	a	a	DET
afbr-70	107	9	minimum	minimum	ADJ
afbr-70	107	10	loans	loan	NOUN
afbr-70	107	11	facility	facility	NOUN
afbr-70	107	12	of	of	ADP
afbr-70	107	13	ten	ten	NUM
afbr-70	107	14	thousand	thousand	NUM
afbr-70	107	15	for	for	ADP
afbr-70	107	16	duration	duration	NOUN
afbr-70	107	17	of	of	ADP
afbr-70	107	18	six	six	NUM
afbr-70	107	19	months	month	NOUN
afbr-70	107	20	and	and	CCONJ
afbr-70	107	21	repayment	repayment	NOUN
afbr-70	107	22	installment	installment	NOUN
afbr-70	107	23	period	period	NOUN
afbr-70	107	24	of	of	ADP
afbr-70	107	25	weekly	weekly	ADJ
afbr-70	107	26	and	and	CCONJ
afbr-70	107	27	monthly.the	monthly.the	DET
afbr-70	107	28	ngos	ngo	NOUN
afbr-70	107	29	usually	usually	ADV
afbr-70	107	30	offers	offer	VERB
afbr-70	107	31	loans	loan	NOUN
afbr-70	107	32	packages	package	NOUN
afbr-70	107	33	with	with	ADP
afbr-70	107	34	a	a	DET
afbr-70	107	35	minimum	minimum	NOUN
afbr-70	107	36	amount	amount	NOUN
afbr-70	107	37	of	of	ADP
afbr-70	107	38	ten	ten	NUM
afbr-70	107	39	thousand	thousand	NUM
afbr-70	107	40	naira	naira	NOUN
afbr-70	107	41	for	for	ADP
afbr-70	107	42	duration	duration	NOUN
afbr-70	107	43	of	of	ADP
afbr-70	107	44	six	six	NUM
afbr-70	107	45	months	month	NOUN
afbr-70	107	46	and	and	CCONJ
afbr-70	107	47	repaymen	repaymen	VERB
afbr-70	107	48	period	period	NOUN
afbr-70	107	49	of	of	ADP
afbr-70	107	50	daily	daily	ADJ
afbr-70	107	51	and	and	CCONJ
afbr-70	107	52	weekly	weekly	ADJ
afbr-70	107	53	respectively	respectively	ADV
afbr-70	107	54	.	.	PUNCT
afbr-70	108	1	these	these	PRON
afbr-70	108	2	were	be	AUX
afbr-70	108	3	the	the	DET
afbr-70	108	4	classifications	classification	NOUN
afbr-70	108	5	and	and	CCONJ
afbr-70	108	6	types	type	NOUN
afbr-70	108	7	of	of	ADP
afbr-70	108	8	mfis	mfis	NOUN
afbr-70	108	9	in	in	ADP
afbr-70	108	10	nigeria	nigeria	PROPN
afbr-70	108	11	,	,	PUNCT
afbr-70	108	12	based	base	VERB
afbr-70	108	13	on	on	ADP
afbr-70	108	14	the	the	DET
afbr-70	108	15	supposition	supposition	NOUN
afbr-70	108	16	of	of	ADP
afbr-70	108	17	the	the	DET
afbr-70	108	18	informants	informant	NOUN
afbr-70	108	19	.	.	PUNCT
afbr-70	109	1	literature	literature	NOUN
afbr-70	109	2	indicated	indicate	VERB
afbr-70	109	3	that	that	SCONJ
afbr-70	109	4	the	the	DET
afbr-70	109	5	practice	practice	NOUN
afbr-70	109	6	ofinformal	ofinformal	ADJ
afbr-70	109	7	microfinances	microfinance	NOUN
afbr-70	109	8	arrangements	arrangement	NOUN
afbr-70	109	9	existed	exist	VERB
afbr-70	109	10	in	in	ADP
afbr-70	109	11	nigeria	nigeria	PROPN
afbr-70	109	12	in	in	ADP
afbr-70	109	13	the	the	DET
afbr-70	109	14	form	form	NOUN
afbr-70	109	15	of	of	ADP
afbr-70	109	16	self	self	NOUN
afbr-70	109	17	help	help	VERB
afbr-70	109	18	organizations	organization	NOUN
afbr-70	109	19	called	call	VERB
afbr-70	109	20	rotating	rotate	VERB
afbr-70	109	21	savings	saving	NOUN
afbr-70	109	22	;	;	PUNCT
afbr-70	109	23	credit	credit	NOUN
afbr-70	109	24	union	union	NOUN
afbr-70	109	25	and	and	CCONJ
afbr-70	109	26	cooperative	cooperative	ADJ
afbr-70	109	27	societiesrespectively	societiesrespectively	ADV
afbr-70	109	28	(	(	PUNCT
afbr-70	109	29	siwale	siwale	NOUN
afbr-70	109	30	&	&	CCONJ
afbr-70	109	31	okoye	okoye	PROPN
afbr-70	109	32	,	,	PUNCT
afbr-70	109	33	2017	2017	NUM
afbr-70	109	34	)	)	PUNCT
afbr-70	109	35	.	.	PUNCT
afbr-70	110	1	5.2	5.2	NUM
afbr-70	110	2	policy	policy	NOUN
afbr-70	110	3	thrusts	thrust	VERB
afbr-70	110	4	on	on	ADP
afbr-70	110	5	mfis	mfis	NOUN
afbr-70	110	6	as	as	ADP
afbr-70	110	7	poverty	poverty	NOUN
afbr-70	110	8	reduction	reduction	NOUN
afbr-70	110	9	strategies	strategy	NOUN
afbr-70	110	10	in	in	ADP
afbr-70	110	11	recognition	recognition	NOUN
afbr-70	110	12	of	of	ADP
afbr-70	110	13	the	the	DET
afbr-70	110	14	economic	economic	ADJ
afbr-70	110	15	and	and	CCONJ
afbr-70	110	16	social	social	ADJ
afbr-70	110	17	developmental	developmental	ADJ
afbr-70	110	18	roles	role	NOUN
afbr-70	110	19	of	of	ADP
afbr-70	110	20	mfis	mfis	NOUN
afbr-70	110	21	on	on	ADP
afbr-70	110	22	poverty	poverty	NOUN
afbr-70	110	23	reduction	reduction	NOUN
afbr-70	110	24	,	,	PUNCT
afbr-70	110	25	the	the	DET
afbr-70	110	26	central	central	ADJ
afbr-70	110	27	bank	bank	PROPN
afbr-70	110	28	of	of	ADP
afbr-70	110	29	nigeria	nigeria	PROPN
afbr-70	110	30	launched	launch	VERB
afbr-70	110	31	the	the	DET
afbr-70	110	32	national	national	ADJ
afbr-70	110	33	microfinance	microfinance	NOUN
afbr-70	110	34	regulatory	regulatory	ADJ
afbr-70	110	35	policy	policy	NOUN
afbr-70	110	36	,	,	PUNCT
afbr-70	110	37	and	and	CCONJ
afbr-70	110	38	supervisory	supervisory	ADJ
afbr-70	110	39	framework	framework	NOUN
afbr-70	110	40	(	(	PUNCT
afbr-70	110	41	nmprsf	nmprsf	PROPN
afbr-70	110	42	)	)	PUNCT
afbr-70	110	43	in	in	ADP
afbr-70	110	44	the	the	DET
afbr-70	110	45	year	year	NOUN
afbr-70	110	46	,	,	PUNCT
afbr-70	110	47	2000	2000	NUM
afbr-70	110	48	and	and	CCONJ
afbr-70	110	49	2011	2011	NUM
afbr-70	110	50	respectively.a	respectively.a	PROPN
afbr-70	110	51	comprehensive	comprehensive	ADJ
afbr-70	110	52	review	review	NOUN
afbr-70	110	53	on	on	ADP
afbr-70	110	54	the	the	DET
afbr-70	110	55	policy	policy	NOUN
afbr-70	110	56	for	for	ADP
afbr-70	110	57	the	the	DET
afbr-70	110	58	development	development	NOUN
afbr-70	110	59	and	and	CCONJ
afbr-70	110	60	expansion	expansion	NOUN
afbr-70	110	61	of	of	ADP
afbr-70	110	62	microfinance	microfinance	NOUN
afbr-70	110	63	institutions	institution	NOUN
afbr-70	110	64	,	,	PUNCT
afbr-70	110	65	the	the	DET
afbr-70	110	66	national	national	ADJ
afbr-70	110	67	microfinance	microfinance	NOUN
afbr-70	110	68	development	development	NOUN
afbr-70	110	69	strategy	strategy	NOUN
afbr-70	110	70	(	(	PUNCT
afbr-70	110	71	nmds	nmds	NOUN
afbr-70	110	72	)	)	PUNCT
afbr-70	110	73	were	be	AUX
afbr-70	110	74	to	to	PART
afbr-70	110	75	revamp	revamp	VERB
afbr-70	110	76	the	the	DET
afbr-70	110	77	industry	industry	NOUN
afbr-70	110	78	and	and	CCONJ
afbr-70	110	79	overcome	overcome	VERB
afbr-70	110	80	the	the	DET
afbr-70	110	81	challenges	challenge	NOUN
afbr-70	110	82	of	of	ADP
afbr-70	110	83	the	the	DET
afbr-70	110	84	earlier	early	ADJ
afbr-70	110	85	policies	policy	NOUN
afbr-70	110	86	.	.	PUNCT
afbr-70	111	1	informant	informant	NOUN
afbr-70	111	2	four	four	NUM
afbr-70	111	3	maintained	maintain	VERB
afbr-70	111	4	that	that	SCONJ
afbr-70	111	5	:	:	PUNCT
afbr-70	111	6	the	the	DET
afbr-70	111	7	aforementioned	aforementioned	ADJ
afbr-70	111	8	policies	policy	NOUN
afbr-70	111	9	were	be	AUX
afbr-70	111	10	established	establish	VERB
afbr-70	111	11	to	to	PART
afbr-70	111	12	ensure	ensure	VERB
afbr-70	111	13	the	the	DET
afbr-70	111	14	mfis	mfis	NOUN
afbr-70	111	15	become	become	VERB
afbr-70	111	16	efficient	efficient	ADJ
afbr-70	111	17	and	and	CCONJ
afbr-70	111	18	accessible	accessible	ADJ
afbr-70	111	19	to	to	ADP
afbr-70	111	20	the	the	DET
afbr-70	111	21	poor	poor	ADJ
afbr-70	111	22	both	both	PRON
afbr-70	111	23	in	in	ADP
afbr-70	111	24	terms	term	NOUN
afbr-70	111	25	of	of	ADP
afbr-70	111	26	financial	financial	ADJ
afbr-70	111	27	services	service	NOUN
afbr-70	111	28	as	as	ADV
afbr-70	111	29	well	well	ADV
afbr-70	111	30	as	as	ADP
afbr-70	111	31	cover	cover	VERB
afbr-70	111	32	65	65	NUM
afbr-70	111	33	percent	percent	NOUN
afbr-70	111	34	of	of	ADP
afbr-70	111	35	the	the	DET
afbr-70	111	36	economically	economically	ADV
afbr-70	111	37	active	active	ADJ
afbr-70	111	38	people	people	NOUN
afbr-70	111	39	by	by	ADP
afbr-70	111	40	2020	2020	NUM
afbr-70	111	41	.	.	PUNCT
afbr-70	112	1	to	to	PART
afbr-70	112	2	increase	increase	VERB
afbr-70	112	3	the	the	DET
afbr-70	112	4	share	share	NOUN
afbr-70	112	5	of	of	ADP
afbr-70	112	6	micro	micro	ADJ
afbr-70	112	7	credit	credit	NOUN
afbr-70	112	8	from	from	ADP
afbr-70	112	9	0.9	0.9	NUM
afbr-70	112	10	percent	percent	NOUN
afbr-70	112	11	in	in	ADP
afbr-70	112	12	2005	2005	NUM
afbr-70	112	13	to	to	PART
afbr-70	112	14	20	20	NUM
afbr-70	112	15	percent	percent	NOUN
afbr-70	112	16	in	in	ADP
afbr-70	112	17	the	the	DET
afbr-70	112	18	year	year	NOUN
afbr-70	112	19	2020	2020	NUM
afbr-70	112	20	,	,	PUNCT
afbr-70	112	21	promotion	promotion	NOUN
afbr-70	112	22	of	of	ADP
afbr-70	112	23	the	the	DET
afbr-70	112	24	participation	participation	NOUN
afbr-70	112	25	of	of	ADP
afbr-70	112	26	at	at	ADV
afbr-70	112	27	least	least	ADV
afbr-70	112	28	two	two	NUM
afbr-70	112	29	-	-	PUNCT
afbr-70	112	30	thirds	third	NOUN
afbr-70	112	31	of	of	ADP
afbr-70	112	32	the	the	DET
afbr-70	112	33	states	state	NOUN
afbr-70	112	34	and	and	CCONJ
afbr-70	112	35	local	local	ADJ
afbr-70	112	36	governments	government	NOUN
afbr-70	112	37	,	,	PUNCT
afbr-70	112	38	reduction	reduction	NOUN
afbr-70	112	39	of	of	ADP
afbr-70	112	40	gender	gender	NOUN
afbr-70	112	41	disparity	disparity	NOUN
afbr-70	112	42	and	and	CCONJ
afbr-70	112	43	improve	improve	VERB
afbr-70	112	44	women`s	women`s	VERB
afbr-70	112	45	accessibility	accessibility	NOUN
afbr-70	112	46	to	to	ADP
afbr-70	112	47	financial	financial	ADJ
afbr-70	112	48	services	service	NOUN
afbr-70	112	49	by	by	ADP
afbr-70	112	50	15	15	NUM
afbr-70	112	51	percent	percent	NOUN
afbr-70	112	52	annually	annually	ADV
afbr-70	112	53	and	and	CCONJ
afbr-70	112	54	increase	increase	VERB
afbr-70	112	55	synergy	synergy	NOUN
afbr-70	112	56	among	among	ADP
afbr-70	112	57	mfis	mfis	PROPN
afbr-70	112	58	and	and	CCONJ
afbr-70	112	59	other	other	ADJ
afbr-70	112	60	financial	financial	ADJ
afbr-70	112	61	institutions	institution	NOUN
afbr-70	112	62	by	by	ADP
afbr-70	112	63	10	10	NUM
afbr-70	112	64	percent	percent	NOUN
afbr-70	112	65	annually	annually	ADV
afbr-70	112	66	.	.	PUNCT
afbr-70	113	1	he	he	PRON
afbr-70	113	2	further	far	ADV
afbr-70	113	3	upheld	uphold	VERB
afbr-70	113	4	that	that	SCONJ
afbr-70	113	5	to	to	PART
afbr-70	113	6	achieve	achieve	VERB
afbr-70	113	7	these	these	DET
afbr-70	113	8	objectives	objective	NOUN
afbr-70	113	9	,	,	PUNCT
afbr-70	113	10	the	the	DET
afbr-70	113	11	following	follow	VERB
afbr-70	113	12	policies	policy	NOUN
afbr-70	113	13	were	be	AUX
afbr-70	113	14	established	establish	VERB
afbr-70	113	15	.	.	PUNCT
afbr-70	114	1	the	the	DET
afbr-70	114	2	licensing	licensing	NOUN
afbr-70	114	3	and	and	CCONJ
afbr-70	114	4	ownership	ownership	NOUN
afbr-70	114	5	:	:	PUNCT
afbr-70	114	6	the	the	DET
afbr-70	114	7	cbn	cbn	PROPN
afbr-70	114	8	provides	provide	VERB
afbr-70	114	9	the	the	DET
afbr-70	114	10	license	license	NOUN
afbr-70	114	11	to	to	ADP
afbr-70	114	12	them	they	PRON
afbr-70	114	13	to	to	PART
afbr-70	114	14	operate	operate	VERB
afbr-70	114	15	as	as	ADP
afbr-70	114	16	community	community	NOUN
afbr-70	114	17	banks	bank	NOUN
afbr-70	114	18	,	,	PUNCT
afbr-70	114	19	private	private	ADJ
afbr-70	114	20	mfis	mfis	NOUN
afbr-70	114	21	,	,	PUNCT
afbr-70	114	22	government	government	NOUN
afbr-70	114	23	mfis	mfi	VERB
afbr-70	114	24	,	,	PUNCT
afbr-70	114	25	ngo	ngo	PROPN
afbr-70	114	26	mfis	mfis	PROPN
afbr-70	114	27	and	and	CCONJ
afbr-70	114	28	foreign	foreign	ADJ
afbr-70	114	29	mfis	mfis	PROPN
afbr-70	114	30	.	.	PUNCT
afbr-70	115	1	the	the	DET
afbr-70	115	2	cbn	cbn	PROPN
afbr-70	115	3	equally	equally	ADV
afbr-70	115	4	,	,	PUNCT
afbr-70	115	5	determines	determine	VERB
afbr-70	115	6	the	the	DET
afbr-70	115	7	ownerships	ownership	NOUN
afbr-70	115	8	of	of	ADP
afbr-70	115	9	these	these	DET
afbr-70	115	10	mfis	mfis	NOUN
afbr-70	115	11	include	include	VERB
afbr-70	115	12	individuals	individual	NOUN
afbr-70	115	13	,	,	PUNCT
afbr-70	115	14	group	group	NOUN
afbr-70	115	15	of	of	ADP
afbr-70	115	16	individuals	individual	NOUN
afbr-70	115	17	,	,	PUNCT
afbr-70	115	18	government	government	NOUN
afbr-70	115	19	body	body	NOUN
afbr-70	115	20	,	,	PUNCT
afbr-70	115	21	community	community	NOUN
afbr-70	115	22	development	development	NOUN
afbr-70	115	23	associations	association	NOUN
afbr-70	115	24	,	,	PUNCT
afbr-70	115	25	private	private	ADJ
afbr-70	115	26	corporate	corporate	ADJ
afbr-70	115	27	entities	entity	NOUN
afbr-70	115	28	and	and	CCONJ
afbr-70	115	29	foreign	foreign	ADJ
afbr-70	115	30	investors	investor	NOUN
afbr-70	115	31	respectively	respectively	ADV
afbr-70	115	32	.	.	PUNCT
afbr-70	116	1	paid	pay	VERB
afbr-70	116	2	-	-	PUNCT
afbr-70	116	3	up	up	ADP
afbr-70	116	4	capital	capital	NOUN
afbr-70	116	5	requirements	requirement	NOUN
afbr-70	116	6	,	,	PUNCT
afbr-70	116	7	include	include	VERB
afbr-70	116	8	unit	unit	NOUN
afbr-70	116	9	microfinance	microfinance	NOUN
afbr-70	116	10	banks	bank	NOUN
afbr-70	116	11	,	,	PUNCT
afbr-70	116	12	the	the	DET
afbr-70	116	13	state	state	NOUN
afbr-70	116	14	mfis	mfi	VERB
afbr-70	116	15	and	and	CCONJ
afbr-70	116	16	the	the	DET
afbr-70	116	17	national	national	PROPN
afbr-70	116	18	mfis	mfis	PROPN
afbr-70	116	19	.	.	PUNCT
afbr-70	117	1	for	for	ADP
afbr-70	117	2	instance	instance	NOUN
afbr-70	117	3	,	,	PUNCT
afbr-70	117	4	the	the	DET
afbr-70	117	5	unit	unit	NOUN
afbr-70	117	6	microfinance	microfinance	NOUN
afbr-70	117	7	banks	bank	NOUN
afbr-70	117	8	are	be	AUX
afbr-70	117	9	authorized	authorize	VERB
afbr-70	117	10	to	to	PART
afbr-70	117	11	operate	operate	VERB
afbr-70	117	12	in	in	ADP
afbr-70	117	13	only	only	ADV
afbr-70	117	14	one	one	NUM
afbr-70	117	15	location	location	NOUN
afbr-70	117	16	and	and	CCONJ
afbr-70	117	17	is	be	AUX
afbr-70	117	18	required	require	VERB
afbr-70	117	19	to	to	PART
afbr-70	117	20	have	have	VERB
afbr-70	117	21	a	a	DET
afbr-70	117	22	minimum	minimum	ADJ
afbr-70	117	23	paid	pay	VERB
afbr-70	117	24	-	-	PUNCT
afbr-70	117	25	up	up	ADP
afbr-70	117	26	capital	capital	NOUN
afbr-70	117	27	of	of	ADP
afbr-70	117	28	n20	n20	NOUN
afbr-70	117	29	million	million	NUM
afbr-70	117	30	(	(	PUNCT
afbr-70	117	31	twenty	twenty	NUM
afbr-70	117	32	million	million	NUM
afbr-70	117	33	naira	naira	NUM
afbr-70	117	34	)	)	PUNCT
afbr-70	117	35	.	.	PUNCT
afbr-70	118	1	the	the	DET
afbr-70	118	2	state	state	NOUN
afbr-70	118	3	mfi	mfi	PROPN
afbr-70	118	4	is	be	AUX
afbr-70	118	5	authorized	authorize	VERB
afbr-70	118	6	to	to	PART
afbr-70	118	7	operate	operate	VERB
afbr-70	118	8	in	in	ADP
afbr-70	118	9	only	only	ADV
afbr-70	118	10	one	one	NUM
afbr-70	118	11	state	state	NOUN
afbr-70	118	12	or	or	CCONJ
afbr-70	118	13	the	the	DET
afbr-70	118	14	federal	federal	ADJ
afbr-70	118	15	capital	capital	NOUN
afbr-70	118	16	territory	territory	NOUN
afbr-70	118	17	(	(	PUNCT
afbr-70	118	18	fct	fct	PROPN
afbr-70	118	19	)	)	PUNCT
afbr-70	118	20	,	,	PUNCT
afbr-70	118	21	abuja	abuja	PROPN
afbr-70	118	22	and	and	CCONJ
afbr-70	118	23	is	be	AUX
afbr-70	118	24	required	require	VERB
afbr-70	118	25	to	to	ADP
afbr-70	118	26	exploration	exploration	NOUN
afbr-70	118	27	of	of	ADP
afbr-70	118	28	micro	micro	ADJ
afbr-70	118	29	-	-	ADJ
afbr-70	118	30	finance	finance	ADJ
afbr-70	118	31	banking	banking	NOUN
afbr-70	118	32	policies	policy	NOUN
afbr-70	118	33	and	and	CCONJ
afbr-70	118	34	strategies	strategy	NOUN
afbr-70	118	35	for	for	ADP
afbr-70	118	36	poverty	poverty	NOUN
afbr-70	118	37	reduction	reduction	NOUN
afbr-70	118	38	in	in	ADP
afbr-70	118	39	nigeria	nigeria	PROPN
afbr-70	118	40	umar	umar	PROPN
afbr-70	118	41	farouk	farouk	PROPN
afbr-70	118	42	musa	musa	PROPN
afbr-70	118	43	and	and	CCONJ
afbr-70	118	44	inuwa	inuwa	PROPN
afbr-70	118	45	baba	baba	PROPN
afbr-70	118	46	abubakar	abubakar	PROPN
afbr-70	118	47	7	7	NUM
afbr-70	118	48	have	have	VERB
afbr-70	118	49	a	a	DET
afbr-70	118	50	minimum	minimum	ADJ
afbr-70	118	51	paid	pay	VERB
afbr-70	118	52	-	-	PUNCT
afbr-70	118	53	up	up	ADP
afbr-70	118	54	capital	capital	NOUN
afbr-70	118	55	of	of	ADP
afbr-70	118	56	n100	n100	NUM
afbr-70	118	57	million	million	NUM
afbr-70	118	58	(	(	PUNCT
afbr-70	118	59	one	one	NUM
afbr-70	118	60	hundred	hundred	NUM
afbr-70	118	61	million	million	NUM
afbr-70	118	62	naira	naira	NUM
afbr-70	118	63	)	)	PUNCT
afbr-70	118	64	.	.	PUNCT
afbr-70	119	1	the	the	DET
afbr-70	119	2	national	national	ADJ
afbr-70	119	3	mfis	mfis	PROPN
afbr-70	119	4	is	be	AUX
afbr-70	119	5	required	require	VERB
afbr-70	119	6	to	to	PART
afbr-70	119	7	have	have	VERB
afbr-70	119	8	a	a	DET
afbr-70	119	9	minimum	minimum	ADJ
afbr-70	119	10	paid	pay	VERB
afbr-70	119	11	-	-	PUNCT
afbr-70	119	12	up	up	ADP
afbr-70	119	13	capital	capital	NOUN
afbr-70	119	14	of	of	ADP
afbr-70	119	15	n2	n2	PROPN
afbr-70	119	16	billion	billion	NUM
afbr-70	119	17	(	(	PUNCT
afbr-70	119	18	two	two	NUM
afbr-70	119	19	billion	billion	NUM
afbr-70	119	20	naira	naira	NUM
afbr-70	119	21	)	)	PUNCT
afbr-70	119	22	and	and	CCONJ
afbr-70	119	23	is	be	AUX
afbr-70	119	24	authorized	authorize	VERB
afbr-70	119	25	to	to	PART
afbr-70	119	26	operate	operate	VERB
afbr-70	119	27	in	in	ADP
afbr-70	119	28	more	more	ADJ
afbr-70	119	29	than	than	ADP
afbr-70	119	30	one	one	NUM
afbr-70	119	31	state	state	NOUN
afbr-70	119	32	,	,	PUNCT
afbr-70	119	33	including	include	VERB
afbr-70	119	34	the	the	DET
afbr-70	119	35	fct	fct	NOUN
afbr-70	119	36	,	,	PUNCT
afbr-70	119	37	abuja	abuja	PROPN
afbr-70	119	38	respectively	respectively	ADV
afbr-70	119	39	.	.	PUNCT
afbr-70	120	1	the	the	DET
afbr-70	120	2	permissible	permissible	ADJ
afbr-70	120	3	and	and	CCONJ
afbr-70	120	4	acceptance	acceptance	NOUN
afbr-70	120	5	of	of	ADP
afbr-70	120	6	several	several	ADJ
afbr-70	120	7	types	type	NOUN
afbr-70	120	8	of	of	ADP
afbr-70	120	9	deposits	deposit	NOUN
afbr-70	120	10	including	include	VERB
afbr-70	120	11	savings	saving	NOUN
afbr-70	120	12	,	,	PUNCT
afbr-70	120	13	time	time	NOUN
afbr-70	120	14	,	,	PUNCT
afbr-70	120	15	and	and	CCONJ
afbr-70	120	16	target	target	VERB
afbr-70	120	17	from	from	ADP
afbr-70	120	18	individuals	individual	NOUN
afbr-70	120	19	,	,	PUNCT
afbr-70	120	20	groups	group	NOUN
afbr-70	120	21	and	and	CCONJ
afbr-70	120	22	associations.the	associations.the	DET
afbr-70	120	23	provision	provision	NOUN
afbr-70	120	24	of	of	ADP
afbr-70	120	25	credit	credit	NOUN
afbr-70	120	26	to	to	ADP
afbr-70	120	27	its	its	PRON
afbr-70	120	28	customers	customer	NOUN
afbr-70	120	29	the	the	DET
afbr-70	120	30	formal	formal	ADJ
afbr-70	120	31	and	and	CCONJ
afbr-70	120	32	informal	informal	ADJ
afbr-70	120	33	self	self	NOUN
afbr-70	120	34	-	-	PUNCT
afbr-70	120	35	help	help	NOUN
afbr-70	120	36	groups	group	NOUN
afbr-70	120	37	,	,	PUNCT
afbr-70	120	38	individuals	individual	NOUN
afbr-70	120	39	and	and	CCONJ
afbr-70	120	40	associations.promotion	associations.promotion	NOUN
afbr-70	120	41	and	and	CCONJ
afbr-70	120	42	monitoring	monitoring	NOUN
afbr-70	120	43	of	of	ADP
afbr-70	120	44	loan	loan	NOUN
afbr-70	120	45	usage	usage	NOUN
afbr-70	120	46	among	among	ADP
afbr-70	120	47	its	its	PRON
afbr-70	120	48	customers	customer	NOUN
afbr-70	120	49	by	by	ADP
afbr-70	120	50	providing	provide	VERB
afbr-70	120	51	ancillary	ancillary	ADJ
afbr-70	120	52	capacity	capacity	NOUN
afbr-70	120	53	building	building	NOUN
afbr-70	120	54	in	in	ADP
afbr-70	120	55	areas	area	NOUN
afbr-70	120	56	such	such	ADJ
afbr-70	120	57	as	as	ADP
afbr-70	120	58	record	record	NOUN
afbr-70	120	59	keeping	keeping	NOUN
afbr-70	120	60	and	and	CCONJ
afbr-70	120	61	small	small	ADJ
afbr-70	120	62	business	business	NOUN
afbr-70	120	63	management.others	management.other	NOUN
afbr-70	120	64	include	include	VERB
afbr-70	120	65	buying	buying	NOUN
afbr-70	120	66	,	,	PUNCT
afbr-70	120	67	selling	sell	VERB
afbr-70	120	68	and	and	CCONJ
afbr-70	120	69	supplying	supply	VERB
afbr-70	120	70	industrial	industrial	ADJ
afbr-70	120	71	and	and	CCONJ
afbr-70	120	72	agricultural	agricultural	ADJ
afbr-70	120	73	inputs	input	NOUN
afbr-70	120	74	,	,	PUNCT
afbr-70	120	75	livestock	livestock	NOUN
afbr-70	120	76	,	,	PUNCT
afbr-70	120	77	machinery	machinery	NOUN
afbr-70	120	78	and	and	CCONJ
afbr-70	120	79	industrial	industrial	ADJ
afbr-70	120	80	raw	raw	ADJ
afbr-70	120	81	materials	material	NOUN
afbr-70	120	82	to	to	ADP
afbr-70	120	83	low	low	ADJ
afbr-70	120	84	-	-	PUNCT
afbr-70	120	85	income	income	NOUN
afbr-70	120	86	earners	earner	NOUN
afbr-70	120	87	on	on	ADP
afbr-70	120	88	credit	credit	NOUN
afbr-70	120	89	and	and	CCONJ
afbr-70	120	90	to	to	PART
afbr-70	120	91	act	act	VERB
afbr-70	120	92	as	as	ADP
afbr-70	120	93	agent	agent	NOUN
afbr-70	120	94	for	for	ADP
afbr-70	120	95	any	any	DET
afbr-70	120	96	association	association	NOUN
afbr-70	120	97	for	for	ADP
afbr-70	120	98	the	the	DET
afbr-70	120	99	sale	sale	NOUN
afbr-70	120	100	of	of	ADP
afbr-70	120	101	such	such	ADJ
afbr-70	120	102	goods	good	NOUN
afbr-70	120	103	or	or	CCONJ
afbr-70	120	104	livestock	livestock	NOUN
afbr-70	120	105	.	.	PUNCT
afbr-70	121	1	the	the	DET
afbr-70	121	2	non	non	ADJ
afbr-70	121	3	-	-	ADJ
afbr-70	121	4	permissible	permissible	ADJ
afbr-70	121	5	activities	activity	NOUN
afbr-70	121	6	are	be	AUX
afbr-70	121	7	prohibited	prohibit	VERB
afbr-70	121	8	from	from	ADP
afbr-70	121	9	engaging	engage	VERB
afbr-70	121	10	in	in	ADP
afbr-70	121	11	the	the	DET
afbr-70	121	12	following	follow	VERB
afbr-70	121	13	activities	activity	NOUN
afbr-70	121	14	:	:	PUNCT
afbr-70	121	15	acceptance	acceptance	NOUN
afbr-70	121	16	of	of	ADP
afbr-70	121	17	public	public	ADJ
afbr-70	121	18	sector	sector	NOUN
afbr-70	121	19	(	(	PUNCT
afbr-70	121	20	government	government	NOUN
afbr-70	121	21	)	)	PUNCT
afbr-70	121	22	deposits.foreign	deposits.foreign	VERB
afbr-70	121	23	exchange	exchange	VERB
afbr-70	121	24	transactions.international	transactions.international	ADJ
afbr-70	121	25	commercial	commercial	ADJ
afbr-70	121	26	papers	paper	NOUN
afbr-70	121	27	.	.	PUNCT
afbr-70	122	1	international	international	ADJ
afbr-70	122	2	corporate	corporate	ADJ
afbr-70	122	3	finance	finance	NOUN
afbr-70	122	4	;	;	PUNCT
afbr-70	122	5	international	international	ADJ
afbr-70	122	6	electronic	electronic	ADJ
afbr-70	122	7	funds	fund	NOUN
afbr-70	122	8	transfer	transfer	NOUN
afbr-70	122	9	;	;	PUNCT
afbr-70	122	10	clearing	clear	VERB
afbr-70	122	11	house	house	NOUN
afbr-70	122	12	activities	activity	NOUN
afbr-70	122	13	and	and	CCONJ
afbr-70	122	14	dealing	deal	VERB
afbr-70	122	15	on	on	ADP
afbr-70	122	16	land	land	NOUN
afbr-70	122	17	or	or	CCONJ
afbr-70	122	18	any	any	DET
afbr-70	122	19	facility	facility	NOUN
afbr-70	122	20	for	for	ADP
afbr-70	122	21	speculative	speculative	ADJ
afbr-70	122	22	purposes.financing	purposes.financing	NOUN
afbr-70	122	23	of	of	ADP
afbr-70	122	24	any	any	DET
afbr-70	122	25	illegal	illegal	ADJ
afbr-70	122	26	/	/	SYM
afbr-70	122	27	prohibited	prohibit	VERB
afbr-70	122	28	activities	activity	NOUN
afbr-70	122	29	such	such	ADJ
afbr-70	122	30	as	as	ADP
afbr-70	122	31	gambling	gambling	NOUN
afbr-70	122	32	,	,	PUNCT
afbr-70	122	33	drug	drug	NOUN
afbr-70	122	34	-	-	PUNCT
afbr-70	122	35	trafficking	trafficking	NOUN
afbr-70	122	36	,	,	PUNCT
afbr-70	122	37	and	and	CCONJ
afbr-70	122	38	firearms	firearm	NOUN
afbr-70	122	39	.	.	PUNCT
afbr-70	123	1	5.3	5.3	NUM
afbr-70	123	2	challenges	challenge	NOUN
afbr-70	123	3	of	of	ADP
afbr-70	123	4	mfis	mfis	NOUN
afbr-70	123	5	in	in	ADP
afbr-70	123	6	the	the	DET
afbr-70	123	7	nigeria	nigeria	NOUN
afbr-70	123	8	the	the	DET
afbr-70	123	9	informants	informant	NOUN
afbr-70	123	10	categorically	categorically	ADV
afbr-70	123	11	identified	identify	VERB
afbr-70	123	12	different	different	ADJ
afbr-70	123	13	problems	problem	NOUN
afbr-70	123	14	which	which	PRON
afbr-70	123	15	hampered	hamper	VERB
afbr-70	123	16	the	the	DET
afbr-70	123	17	services	service	NOUN
afbr-70	123	18	of	of	ADP
afbr-70	123	19	mfis	mfis	NOUN
afbr-70	123	20	in	in	ADP
afbr-70	123	21	the	the	DET
afbr-70	123	22	quest	quest	NOUN
afbr-70	123	23	to	to	PART
afbr-70	123	24	mitigate	mitigate	VERB
afbr-70	123	25	poverty	poverty	NOUN
afbr-70	123	26	in	in	ADP
afbr-70	123	27	nigeria	nigeria	PROPN
afbr-70	123	28	and	and	CCONJ
afbr-70	123	29	specifically	specifically	ADV
afbr-70	123	30	the	the	DET
afbr-70	123	31	northern	northern	ADJ
afbr-70	123	32	states;these	states;these	ADJ
afbr-70	123	33	includes	include	VERB
afbr-70	123	34	;	;	PUNCT
afbr-70	123	35	lack	lack	NOUN
afbr-70	123	36	of	of	ADP
afbr-70	123	37	access	access	NOUN
afbr-70	123	38	to	to	ADP
afbr-70	123	39	electricity	electricity	NOUN
afbr-70	123	40	supply	supply	NOUN
afbr-70	123	41	;	;	PUNCT
afbr-70	123	42	inadequate	inadequate	ADJ
afbr-70	123	43	supervision	supervision	NOUN
afbr-70	123	44	and	and	CCONJ
afbr-70	123	45	loan	loan	NOUN
afbr-70	123	46	defaults	default	NOUN
afbr-70	123	47	.	.	PUNCT
afbr-70	124	1	unsustainable	unsustainable	ADJ
afbr-70	124	2	intervention	intervention	NOUN
afbr-70	124	3	programs	program	NOUN
afbr-70	124	4	;	;	PUNCT
afbr-70	124	5	insufficient	insufficient	ADJ
afbr-70	124	6	cheap	cheap	ADJ
afbr-70	124	7	funds	fund	NOUN
afbr-70	124	8	;	;	PUNCT
afbr-70	124	9	low	low	ADJ
afbr-70	124	10	public	public	ADJ
afbr-70	124	11	awareness	awareness	NOUN
afbr-70	124	12	and	and	CCONJ
afbr-70	124	13	poor	poor	ADJ
afbr-70	124	14	regulatory	regulatory	ADJ
afbr-70	124	15	enforcement	enforcement	NOUN
afbr-70	124	16	;	;	PUNCT
afbr-70	124	17	poor	poor	ADJ
afbr-70	124	18	communication	communication	NOUN
afbr-70	124	19	and	and	CCONJ
afbr-70	124	20	deficiency	deficiency	NOUN
afbr-70	124	21	of	of	ADP
afbr-70	124	22	banking	banking	NOUN
afbr-70	124	23	experiences	experience	NOUN
afbr-70	124	24	among	among	ADP
afbr-70	124	25	poor	poor	ADJ
afbr-70	124	26	and	and	CCONJ
afbr-70	124	27	low	low	ADJ
afbr-70	124	28	-	-	PUNCT
afbr-70	124	29	incomeearners	incomeearner	NOUN
afbr-70	124	30	;	;	PUNCT
afbr-70	124	31	high	high	ADJ
afbr-70	124	32	operating	operating	NOUN
afbr-70	124	33	cost	cost	NOUN
afbr-70	124	34	;	;	PUNCT
afbr-70	124	35	low	low	ADJ
afbr-70	124	36	literacy	literacy	NOUN
afbr-70	124	37	rate	rate	NOUN
afbr-70	124	38	among	among	ADP
afbr-70	124	39	the	the	DET
afbr-70	124	40	population	population	NOUN
afbr-70	124	41	;	;	PUNCT
afbr-70	124	42	insufficient	insufficient	ADJ
afbr-70	124	43	donor	donor	NOUN
afbr-70	124	44	funding	funding	NOUN
afbr-70	124	45	,	,	PUNCT
afbr-70	124	46	loan	loan	NOUN
afbr-70	124	47	and	and	CCONJ
afbr-70	124	48	equity.limited	equity.limite	VERB
afbr-70	124	49	standardized	standardized	ADJ
afbr-70	124	50	reporting	reporting	NOUN
afbr-70	124	51	and	and	CCONJ
afbr-70	124	52	performance	performance	NOUN
afbr-70	124	53	monitoring	monitoring	NOUN
afbr-70	124	54	system.lack	system.lack	NOUN
afbr-70	124	55	of	of	ADP
afbr-70	124	56	good	good	ADJ
afbr-70	124	57	roads	road	NOUN
afbr-70	124	58	and	and	CCONJ
afbr-70	124	59	transportation	transportation	NOUN
afbr-70	124	60	system	system	NOUN
afbr-70	124	61	respectively	respectively	ADV
afbr-70	124	62	.	.	PUNCT
afbr-70	125	1	kanu	kanu	PROPN
afbr-70	125	2	,	,	PUNCT
afbr-70	125	3	2017	2017	NUM
afbr-70	125	4	,	,	PUNCT
afbr-70	125	5	pinpointed	pinpoint	VERB
afbr-70	125	6	difficulties	difficulty	NOUN
afbr-70	125	7	related	relate	VERB
afbr-70	125	8	to	to	ADP
afbr-70	125	9	infrastructure	infrastructure	NOUN
afbr-70	125	10	,	,	PUNCT
afbr-70	125	11	finance	finance	NOUN
afbr-70	125	12	and	and	CCONJ
afbr-70	125	13	other	other	ADJ
afbr-70	125	14	predicaments	predicament	NOUN
afbr-70	125	15	especially	especially	ADV
afbr-70	125	16	in	in	ADP
afbr-70	125	17	rural	rural	ADJ
afbr-70	125	18	areas	area	NOUN
afbr-70	125	19	.	.	PUNCT
afbr-70	126	1	for	for	ADP
afbr-70	126	2	instance	instance	NOUN
afbr-70	126	3	,	,	PUNCT
afbr-70	126	4	informant	informant	NOUN
afbr-70	126	5	four	four	NUM
afbr-70	126	6	attested	attest	VERB
afbr-70	126	7	that	that	SCONJ
afbr-70	126	8	:	:	PUNCT
afbr-70	126	9	lack	lack	NOUN
afbr-70	126	10	of	of	ADP
afbr-70	126	11	access	access	NOUN
afbr-70	126	12	to	to	ADP
afbr-70	126	13	regular	regular	ADJ
afbr-70	126	14	electricity	electricity	NOUN
afbr-70	126	15	supply	supply	NOUN
afbr-70	126	16	appeared	appear	VERB
afbr-70	126	17	to	to	PART
afbr-70	126	18	be	be	AUX
afbr-70	126	19	the	the	DET
afbr-70	126	20	most	most	ADV
afbr-70	126	21	common	common	ADJ
afbr-70	126	22	and	and	CCONJ
afbr-70	126	23	pressing	press	VERB
afbr-70	126	24	challengefaced	challengeface	VERB
afbr-70	126	25	by	by	ADP
afbr-70	126	26	mfis	mfis	PROPN
afbr-70	126	27	in	in	ADP
afbr-70	126	28	nigeria	nigeria	PROPN
afbr-70	126	29	.	.	PUNCT
afbr-70	127	1	this	this	PRON
afbr-70	127	2	is	be	AUX
afbr-70	127	3	probably	probably	ADV
afbr-70	127	4	due	due	ADJ
afbr-70	127	5	to	to	ADP
afbr-70	127	6	the	the	DET
afbr-70	127	7	insufficiency	insufficiency	NOUN
afbr-70	127	8	of	of	ADP
afbr-70	127	9	electricity	electricity	NOUN
afbr-70	127	10	supply	supply	NOUN
afbr-70	127	11	in	in	ADP
afbr-70	127	12	the	the	DET
afbr-70	127	13	country	country	NOUN
afbr-70	127	14	.	.	PUNCT
afbr-70	128	1	the	the	DET
afbr-70	128	2	estimated	estimate	VERB
afbr-70	128	3	electricity	electricity	NOUN
afbr-70	128	4	supply	supply	NOUN
afbr-70	128	5	in	in	ADP
afbr-70	128	6	the	the	DET
afbr-70	128	7	country	country	NOUN
afbr-70	128	8	is	be	AUX
afbr-70	128	9	as	as	ADV
afbr-70	128	10	low	low	ADJ
afbr-70	128	11	as	as	ADP
afbr-70	128	12	1,327	1,327	NUM
afbr-70	128	13	megawattsnevertheless	megawattsnevertheless	NOUN
afbr-70	128	14	,	,	PUNCT
afbr-70	128	15	the	the	DET
afbr-70	128	16	average	average	ADJ
afbr-70	128	17	usage	usage	NOUN
afbr-70	128	18	of	of	ADP
afbr-70	128	19	electricity	electricity	NOUN
afbr-70	128	20	amounted	amount	VERB
afbr-70	128	21	to	to	ADP
afbr-70	128	22	10,000mw	10,000mw	PROPN
afbr-70	128	23	.	.	PUNCT
afbr-70	128	24	literature	literature	PROPN
afbr-70	128	25	,	,	PUNCT
afbr-70	128	26	attested	attest	VERB
afbr-70	128	27	that	that	SCONJ
afbr-70	128	28	out	out	ADP
afbr-70	128	29	of	of	ADP
afbr-70	128	30	the	the	DET
afbr-70	128	31	23	23	NUM
afbr-70	128	32	electricity	electricity	NOUN
afbr-70	128	33	plants	plant	NOUN
afbr-70	128	34	stations	station	NOUN
afbr-70	128	35	in	in	ADP
afbr-70	128	36	the	the	DET
afbr-70	128	37	country	country	NOUN
afbr-70	128	38	,	,	PUNCT
afbr-70	128	39	only	only	ADV
afbr-70	128	40	five	five	NUM
afbr-70	128	41	are	be	AUX
afbr-70	128	42	functional(udo	functional(udo	VERB
afbr-70	128	43	,	,	PUNCT
afbr-70	128	44	2015	2015	NUM
afbr-70	128	45	)	)	PUNCT
afbr-70	128	46	.	.	PUNCT
afbr-70	129	1	these	these	PRON
afbr-70	129	2	implies	imply	VERB
afbr-70	129	3	thatmfis	thatmfi	VERB
afbr-70	129	4	have	have	VERB
afbr-70	129	5	to	to	PART
afbr-70	129	6	source	source	VERB
afbr-70	129	7	generate	generate	VERB
afbr-70	129	8	power	power	NOUN
afbr-70	129	9	via	via	ADP
afbr-70	129	10	generators	generator	NOUN
afbr-70	129	11	to	to	PART
afbr-70	129	12	provide	provide	VERB
afbr-70	129	13	the	the	DET
afbr-70	129	14	electricity	electricity	NOUN
afbr-70	129	15	they	they	PRON
afbr-70	129	16	needed	need	VERB
afbr-70	129	17	in	in	ADP
afbr-70	129	18	running	run	VERB
afbr-70	129	19	their	their	PRON
afbr-70	129	20	administrative	administrative	ADJ
afbr-70	129	21	and	and	CCONJ
afbr-70	129	22	business	business	NOUN
afbr-70	129	23	operations	operation	NOUN
afbr-70	129	24	.	.	PUNCT
afbr-70	130	1	the	the	DET
afbr-70	130	2	study	study	NOUN
afbr-70	130	3	found	find	VERB
afbr-70	130	4	that	that	SCONJ
afbr-70	130	5	mfis	mfi	VERB
afbr-70	130	6	have	have	VERB
afbr-70	130	7	inadequate	inadequate	ADJ
afbr-70	130	8	supervision	supervision	NOUN
afbr-70	130	9	and	and	CCONJ
afbr-70	130	10	seen	see	VERB
afbr-70	130	11	to	to	ADP
afbr-70	130	12	experiencing	experience	VERB
afbr-70	130	13	loans	loan	NOUN
afbr-70	130	14	default	default	NOUN
afbr-70	130	15	.	.	PUNCT
afbr-70	131	1	the	the	DET
afbr-70	131	2	lack	lack	NOUN
afbr-70	131	3	of	of	ADP
afbr-70	131	4	supervision	supervision	NOUN
afbr-70	131	5	as	as	ADV
afbr-70	131	6	well	well	ADV
afbr-70	131	7	as	as	ADP
afbr-70	131	8	control	control	NOUN
afbr-70	131	9	in	in	ADP
afbr-70	131	10	operational	operational	ADJ
afbr-70	131	11	procedures	procedure	NOUN
afbr-70	131	12	which	which	PRON
afbr-70	131	13	affected	affect	VERB
afbr-70	131	14	not	not	PART
afbr-70	131	15	only	only	ADV
afbr-70	131	16	their	their	PRON
afbr-70	131	17	loan	loan	NOUN
afbr-70	131	18	disbursement	disbursement	NOUN
afbr-70	131	19	and	and	CCONJ
afbr-70	131	20	repayment	repayment	NOUN
afbr-70	131	21	but	but	CCONJ
afbr-70	131	22	also	also	ADV
afbr-70	131	23	in	in	ADP
afbr-70	131	24	some	some	DET
afbr-70	131	25	cases	case	NOUN
afbr-70	131	26	resulted	result	VERB
afbr-70	131	27	in	in	ADP
afbr-70	131	28	fraudulent	fraudulent	ADJ
afbr-70	131	29	practices	practice	NOUN
afbr-70	131	30	among	among	ADP
afbr-70	131	31	the	the	DET
afbr-70	131	32	staff	staff	NOUN
afbr-70	131	33	of	of	ADP
afbr-70	131	34	the	the	DET
afbr-70	131	35	mfis	mfis	NOUN
afbr-70	131	36	(	(	PUNCT
afbr-70	131	37	informant	informant	NOUN
afbr-70	131	38	four	four	NUM
afbr-70	131	39	)	)	PUNCT
afbr-70	131	40	.	.	PUNCT
afbr-70	132	1	the	the	DET
afbr-70	132	2	informants	informant	NOUN
afbr-70	132	3	opined	opine	VERB
afbr-70	132	4	that	that	SCONJ
afbr-70	132	5	intervention	intervention	NOUN
afbr-70	132	6	programs	program	NOUN
afbr-70	132	7	for	for	ADP
afbr-70	132	8	mfis	mfis	NOUN
afbr-70	132	9	provided	provide	VERB
afbr-70	132	10	by	by	ADP
afbr-70	132	11	the	the	DET
afbr-70	132	12	government	government	NOUN
afbr-70	132	13	were	be	AUX
afbr-70	132	14	unsustainable.generally	unsustainable.generally	ADV
afbr-70	132	15	,	,	PUNCT
afbr-70	132	16	they	they	PRON
afbr-70	132	17	have	have	AUX
afbr-70	132	18	limited	limit	VERB
afbr-70	132	19	source	source	NOUN
afbr-70	132	20	of	of	ADP
afbr-70	132	21	funding	funding	NOUN
afbr-70	132	22	and	and	CCONJ
afbr-70	132	23	therefore	therefore	ADV
afbr-70	132	24	,	,	PUNCT
afbr-70	132	25	needed	need	VERB
afbr-70	132	26	financial	financial	ADJ
afbr-70	132	27	support	support	NOUN
afbr-70	132	28	to	to	PART
afbr-70	132	29	expand	expand	VERB
afbr-70	132	30	their	their	PRON
afbr-70	132	31	lending	lending	NOUN
afbr-70	132	32	packages.most	packages.most	NOUN
afbr-70	132	33	mfis	mfis	PROPN
afbr-70	132	34	in	in	ADP
afbr-70	132	35	nigeria	nigeria	PROPN
afbr-70	132	36	wereprimarilyreinforced	wereprimarilyreinforce	VERB
afbr-70	132	37	by	by	ADP
afbr-70	132	38	the	the	DET
afbr-70	132	39	government	government	NOUN
afbr-70	132	40	,	,	PUNCT
afbr-70	132	41	large	large	ADJ
afbr-70	132	42	companies	company	NOUN
afbr-70	132	43	and	and	CCONJ
afbr-70	132	44	non	non	ADJ
afbr-70	132	45	-	-	ADJ
afbr-70	132	46	government	government	ADJ
afbr-70	132	47	organizations	organization	NOUN
afbr-70	132	48	.	.	PUNCT
afbr-70	133	1	however	however	ADV
afbr-70	133	2	,	,	PUNCT
afbr-70	133	3	the	the	DET
afbr-70	133	4	amount	amount	NOUN
afbr-70	133	5	and	and	CCONJ
afbr-70	133	6	types	type	NOUN
afbr-70	133	7	of	of	ADP
afbr-70	133	8	assistance	assistance	NOUN
afbr-70	133	9	provided	provide	VERB
afbr-70	133	10	to	to	PART
afbr-70	133	11	mfis	mfis	VERB
afbr-70	133	12	are	be	AUX
afbr-70	133	13	limited	limit	VERB
afbr-70	133	14	on	on	ADP
afbr-70	133	15	short	short	ADJ
afbr-70	133	16	basis	basis	NOUN
afbr-70	133	17	.	.	PUNCT
afbr-70	134	1	exploration	exploration	NOUN
afbr-70	134	2	of	of	ADP
afbr-70	134	3	micro	micro	ADJ
afbr-70	134	4	-	-	ADJ
afbr-70	134	5	finance	finance	ADJ
afbr-70	134	6	banking	banking	NOUN
afbr-70	134	7	policies	policy	NOUN
afbr-70	134	8	and	and	CCONJ
afbr-70	134	9	strategies	strategy	NOUN
afbr-70	134	10	for	for	ADP
afbr-70	134	11	poverty	poverty	NOUN
afbr-70	134	12	reduction	reduction	NOUN
afbr-70	134	13	in	in	ADP
afbr-70	134	14	nigeria	nigeria	PROPN
afbr-70	134	15	umar	umar	PROPN
afbr-70	134	16	farouk	farouk	PROPN
afbr-70	134	17	musa	musa	PROPN
afbr-70	134	18	and	and	CCONJ
afbr-70	134	19	inuwa	inuwa	VERB
afbr-70	134	20	baba	baba	PROPN
afbr-70	134	21	abubakar	abubakar	PROPN
afbr-70	134	22	8	8	NUM
afbr-70	134	23	insufficient	insufficient	ADJ
afbr-70	134	24	funds	fund	NOUN
afbr-70	134	25	:	:	PUNCT
afbr-70	134	26	another	another	DET
afbr-70	134	27	pressing	press	VERB
afbr-70	134	28	problem	problem	NOUN
afbr-70	134	29	faced	face	VERB
afbr-70	134	30	by	by	ADP
afbr-70	134	31	the	the	DET
afbr-70	134	32	mfis	mfis	PROPN
afbr-70	134	33	as	as	SCONJ
afbr-70	134	34	identified	identify	VERB
afbr-70	134	35	in	in	ADP
afbr-70	134	36	the	the	DET
afbr-70	134	37	study	study	NOUN
afbr-70	134	38	involved	involve	VERB
afbr-70	134	39	the	the	DET
afbr-70	134	40	lack	lack	NOUN
afbr-70	134	41	of	of	ADP
afbr-70	134	42	access	access	NOUN
afbr-70	134	43	to	to	ADP
afbr-70	134	44	cheap	cheap	ADJ
afbr-70	134	45	funds	fund	NOUN
afbr-70	134	46	.	.	PUNCT
afbr-70	135	1	given	give	VERB
afbr-70	135	2	this	this	DET
afbr-70	135	3	challenge	challenge	NOUN
afbr-70	135	4	they	they	PRON
afbr-70	135	5	needed	need	VERB
afbr-70	135	6	expansion	expansion	NOUN
afbr-70	135	7	of	of	ADP
afbr-70	135	8	lending	lend	VERB
afbr-70	135	9	capabilities	capability	NOUN
afbr-70	135	10	;	;	PUNCT
afbr-70	135	11	mfis	mfis	PROPN
afbr-70	135	12	were	be	AUX
afbr-70	135	13	compelled	compel	VERB
afbr-70	135	14	to	to	PART
afbr-70	135	15	borrow	borrow	VERB
afbr-70	135	16	additional	additional	ADJ
afbr-70	135	17	funds	fund	NOUN
afbr-70	135	18	from	from	ADP
afbr-70	135	19	conventional	conventional	ADJ
afbr-70	135	20	banks	bank	NOUN
afbr-70	135	21	.	.	PUNCT
afbr-70	136	1	however	however	ADV
afbr-70	136	2	,	,	PUNCT
afbr-70	136	3	borrowing	borrow	VERB
afbr-70	136	4	from	from	ADP
afbr-70	136	5	the	the	DET
afbr-70	136	6	banks	bank	NOUN
afbr-70	136	7	is	be	AUX
afbr-70	136	8	sharply	sharply	ADV
afbr-70	136	9	inconvenient	inconvenient	ADJ
afbr-70	136	10	for	for	ADP
afbr-70	136	11	them	they	PRON
afbr-70	136	12	.	.	PUNCT
afbr-70	137	1	the	the	DET
afbr-70	137	2	commercial	commercial	ADJ
afbr-70	137	3	banks	bank	NOUN
afbr-70	137	4	charge	charge	VERB
afbr-70	137	5	the	the	DET
afbr-70	137	6	mfis	mfis	NOUN
afbr-70	137	7	an	an	DET
afbr-70	137	8	interest	interest	NOUN
afbr-70	137	9	rate	rate	NOUN
afbr-70	137	10	of	of	ADP
afbr-70	137	11	22	22	NUM
afbr-70	137	12	percent	percent	NOUN
afbr-70	137	13	per	per	ADP
afbr-70	137	14	annum	annum	NOUN
afbr-70	137	15	on	on	ADP
afbr-70	137	16	theseloans	theseloan	NOUN
afbr-70	137	17	.	.	PUNCT
afbr-70	138	1	(	(	PUNCT
afbr-70	138	2	cbn	cbn	PROPN
afbr-70	138	3	,	,	PUNCT
afbr-70	138	4	2016	2016	NUM
afbr-70	138	5	)	)	PUNCT
afbr-70	138	6	.	.	PUNCT
afbr-70	139	1	low	low	ADJ
afbr-70	139	2	public	public	ADJ
afbr-70	139	3	awareness	awareness	NOUN
afbr-70	139	4	and	and	CCONJ
afbr-70	139	5	regulations	regulation	NOUN
afbr-70	139	6	:	:	PUNCT
afbr-70	139	7	these	these	DET
afbr-70	139	8	problems	problem	NOUN
afbr-70	139	9	affected	affect	VERB
afbr-70	139	10	their	their	PRON
afbr-70	139	11	performance	performance	NOUN
afbr-70	139	12	in	in	ADP
afbr-70	139	13	poverty	poverty	NOUN
afbr-70	139	14	reduction	reduction	NOUN
afbr-70	139	15	process	process	NOUN
afbr-70	139	16	,	,	PUNCT
afbr-70	139	17	certain	certain	ADJ
afbr-70	139	18	proportion	proportion	NOUN
afbr-70	139	19	of	of	ADP
afbr-70	139	20	the	the	DET
afbr-70	139	21	population	population	NOUN
afbr-70	139	22	in	in	ADP
afbr-70	139	23	the	the	DET
afbr-70	139	24	country	country	NOUN
afbr-70	139	25	,	,	PUNCT
afbr-70	139	26	especially	especially	ADV
afbr-70	139	27	at	at	ADP
afbr-70	139	28	the	the	DET
afbr-70	139	29	rural	rural	ADJ
afbr-70	139	30	areas	area	NOUN
afbr-70	139	31	are	be	AUX
afbr-70	139	32	still	still	ADV
afbr-70	139	33	not	not	PART
afbr-70	139	34	familiar	familiar	ADJ
afbr-70	139	35	with	with	ADP
afbr-70	139	36	the	the	DET
afbr-70	139	37	types	type	NOUN
afbr-70	139	38	of	of	ADP
afbr-70	139	39	financial	financial	ADJ
afbr-70	139	40	products	product	NOUN
afbr-70	139	41	and	and	CCONJ
afbr-70	139	42	services	service	NOUN
afbr-70	139	43	provided	provide	VERB
afbr-70	139	44	by	by	ADP
afbr-70	139	45	the	the	DET
afbr-70	139	46	mfis	mfis	PROPN
afbr-70	139	47	.	.	PUNCT
afbr-70	140	1	additionally	additionally	ADV
afbr-70	140	2	,	,	PUNCT
afbr-70	140	3	the	the	DET
afbr-70	140	4	introduction	introduction	NOUN
afbr-70	140	5	of	of	ADP
afbr-70	140	6	lending	lending	NOUN
afbr-70	140	7	regulations	regulation	NOUN
afbr-70	140	8	has	have	AUX
afbr-70	140	9	also	also	ADV
afbr-70	140	10	limited	limit	VERB
afbr-70	140	11	their	their	PRON
afbr-70	140	12	abilities	ability	NOUN
afbr-70	140	13	in	in	ADP
afbr-70	140	14	loan	loan	NOUN
afbr-70	140	15	services	service	NOUN
afbr-70	140	16	.	.	PUNCT
afbr-70	141	1	these	these	DET
afbr-70	141	2	regulations	regulation	NOUN
afbr-70	141	3	restricted	restrict	VERB
afbr-70	141	4	them	they	PRON
afbr-70	141	5	from	from	ADP
afbr-70	141	6	accepting	accept	VERB
afbr-70	141	7	cash	cash	NOUN
afbr-70	141	8	deposit	deposit	NOUN
afbr-70	141	9	from	from	ADP
afbr-70	141	10	their	their	PRON
afbr-70	141	11	customers.the	customers.the	NOUN
afbr-70	141	12	restrictionsaffected	restrictionsaffecte	VERB
afbr-70	141	13	the	the	DET
afbr-70	141	14	liquidity	liquidity	NOUN
afbr-70	141	15	of	of	ADP
afbr-70	141	16	these	these	DET
afbr-70	141	17	financial	financial	ADJ
afbr-70	141	18	institutions	institution	NOUN
afbr-70	141	19	.	.	PUNCT
afbr-70	142	1	lack	lack	NOUN
afbr-70	142	2	of	of	ADP
afbr-70	142	3	infrastructural	infrastructural	ADJ
afbr-70	142	4	facilities	facility	NOUN
afbr-70	142	5	such	such	ADJ
afbr-70	142	6	as	as	ADP
afbr-70	142	7	roads	road	NOUN
afbr-70	142	8	and	and	CCONJ
afbr-70	142	9	transportation	transportation	NOUN
afbr-70	142	10	system	system	NOUN
afbr-70	142	11	has	have	AUX
afbr-70	142	12	also	also	ADV
afbr-70	142	13	affected	affect	VERB
afbr-70	142	14	the	the	DET
afbr-70	142	15	operations	operation	NOUN
afbr-70	142	16	of	of	ADP
afbr-70	142	17	the	the	DET
afbr-70	142	18	mfis	mfis	NOUN
afbr-70	142	19	.	.	PUNCT
afbr-70	143	1	the	the	DET
afbr-70	143	2	informants	informant	NOUN
afbr-70	143	3	indicated	indicate	VERB
afbr-70	143	4	that	that	SCONJ
afbr-70	143	5	good	good	ADJ
afbr-70	143	6	roads	road	NOUN
afbr-70	143	7	are	be	AUX
afbr-70	143	8	needed	need	VERB
afbr-70	143	9	to	to	PART
afbr-70	143	10	link	link	VERB
afbr-70	143	11	their	their	PRON
afbr-70	143	12	institutions	institution	NOUN
afbr-70	143	13	with	with	ADP
afbr-70	143	14	customers	customer	NOUN
afbr-70	143	15	in	in	ADP
afbr-70	143	16	the	the	DET
afbr-70	143	17	urban	urban	ADJ
afbr-70	143	18	and	and	CCONJ
afbr-70	143	19	rural	rural	ADJ
afbr-70	143	20	areas	area	NOUN
afbr-70	143	21	across	across	ADP
afbr-70	143	22	the	the	DET
afbr-70	143	23	country.literature	country.literature	PROPN
afbr-70	143	24	divulge	divulge	VERB
afbr-70	143	25	that	that	SCONJ
afbr-70	143	26	about	about	ADV
afbr-70	143	27	one	one	NUM
afbr-70	143	28	third	third	NOUN
afbr-70	143	29	of	of	ADP
afbr-70	143	30	the	the	DET
afbr-70	143	31	network	network	NOUN
afbr-70	143	32	of	of	ADP
afbr-70	143	33	roads	road	NOUN
afbr-70	143	34	in	in	ADP
afbr-70	143	35	nigeria	nigeria	PROPN
afbr-70	143	36	needs	need	VERB
afbr-70	143	37	to	to	PART
afbr-70	143	38	be	be	AUX
afbr-70	143	39	rebuilt	rebuild	VERB
afbr-70	143	40	(	(	PUNCT
afbr-70	143	41	akinwale	akinwale	NOUN
afbr-70	143	42	,	,	PUNCT
afbr-70	143	43	2010	2010	NUM
afbr-70	143	44	)	)	PUNCT
afbr-70	143	45	.	.	PUNCT
afbr-70	144	1	5.4	5.4	NUM
afbr-70	144	2	strategies	strategy	NOUN
afbr-70	144	3	to	to	PART
afbr-70	144	4	improve	improve	VERB
afbr-70	144	5	mfis	mfis	PROPN
afbr-70	144	6	services	service	NOUN
afbr-70	144	7	to	to	PART
afbr-70	144	8	reduce	reduce	VERB
afbr-70	144	9	poverty	poverty	NOUN
afbr-70	144	10	in	in	ADP
afbr-70	144	11	nigeria	nigeria	PRON
afbr-70	144	12	the	the	DET
afbr-70	144	13	informants	informant	NOUN
afbr-70	144	14	suggested	suggest	VERB
afbr-70	144	15	for	for	ADP
afbr-70	144	16	efffective	efffective	ADJ
afbr-70	144	17	regulatory	regulatory	ADJ
afbr-70	144	18	control	control	NOUN
afbr-70	144	19	via	via	ADP
afbr-70	144	20	financial	financial	ADJ
afbr-70	144	21	control	control	NOUN
afbr-70	144	22	,	,	PUNCT
afbr-70	144	23	regular	regular	ADJ
afbr-70	144	24	supervisor	supervisor	NOUN
afbr-70	144	25	and	and	CCONJ
afbr-70	144	26	checks	check	NOUN
afbr-70	144	27	as	as	ADV
afbr-70	144	28	well	well	ADV
afbr-70	144	29	as	as	ADP
afbr-70	144	30	balances	balance	NOUN
afbr-70	144	31	to	to	PART
afbr-70	144	32	enhance	enhance	VERB
afbr-70	144	33	their	their	PRON
afbr-70	144	34	performance	performance	NOUN
afbr-70	144	35	.	.	PUNCT
afbr-70	145	1	capacity	capacity	NOUN
afbr-70	145	2	building	building	NOUN
afbr-70	145	3	programs	program	NOUN
afbr-70	145	4	and	and	CCONJ
afbr-70	145	5	proper	proper	ADJ
afbr-70	145	6	staffing	staffing	NOUN
afbr-70	145	7	were	be	AUX
afbr-70	145	8	equally	equally	ADV
afbr-70	145	9	suggested.provision	suggested.provision	NOUN
afbr-70	145	10	of	of	ADP
afbr-70	145	11	appropriate	appropriate	ADJ
afbr-70	145	12	business	business	NOUN
afbr-70	145	13	model	model	NOUN
afbr-70	145	14	;	;	PUNCT
afbr-70	145	15	strategies	strategy	NOUN
afbr-70	145	16	and	and	CCONJ
afbr-70	145	17	creation	creation	NOUN
afbr-70	145	18	of	of	ADP
afbr-70	145	19	awareness.the	awareness.the	DET
afbr-70	145	20	provision	provision	NOUN
afbr-70	145	21	of	of	ADP
afbr-70	145	22	door	door	NOUN
afbr-70	145	23	to	to	PART
afbr-70	145	24	door	door	VERB
afbr-70	145	25	banking	banking	NOUN
afbr-70	145	26	marketing	marketing	NOUN
afbr-70	145	27	awareness	awareness	NOUN
afbr-70	145	28	,	,	PUNCT
afbr-70	145	29	establishment	establishment	NOUN
afbr-70	145	30	of	of	ADP
afbr-70	145	31	financial	financial	ADJ
afbr-70	145	32	literacy	literacy	NOUN
afbr-70	145	33	;	;	PUNCT
afbr-70	145	34	consumer	consumer	NOUN
afbr-70	145	35	protection	protection	NOUN
afbr-70	145	36	programs	program	NOUN
afbr-70	145	37	and	and	CCONJ
afbr-70	145	38	provision	provision	NOUN
afbr-70	145	39	of	of	ADP
afbr-70	145	40	non	non	ADJ
afbr-70	145	41	-	-	ADJ
afbr-70	145	42	interest	interest	ADJ
afbr-70	145	43	banking	banking	NOUN
afbr-70	145	44	programs	program	NOUN
afbr-70	145	45	respectively	respectively	ADV
afbr-70	145	46	.	.	PUNCT
afbr-70	146	1	for	for	ADP
afbr-70	146	2	instance	instance	NOUN
afbr-70	146	3	,	,	PUNCT
afbr-70	146	4	in	in	ADP
afbr-70	146	5	order	order	NOUN
afbr-70	146	6	to	to	PART
afbr-70	146	7	improve	improve	VERB
afbr-70	146	8	the	the	DET
afbr-70	146	9	services	service	NOUN
afbr-70	146	10	of	of	ADP
afbr-70	146	11	the	the	DET
afbr-70	146	12	microfinance	microfinance	NOUN
afbr-70	146	13	banks	bank	NOUN
afbr-70	146	14	,	,	PUNCT
afbr-70	146	15	there	there	PRON
afbr-70	146	16	is	be	VERB
afbr-70	146	17	the	the	DET
afbr-70	146	18	need	need	NOUN
afbr-70	146	19	for	for	ADP
afbr-70	146	20	the	the	DET
afbr-70	146	21	expansion	expansion	NOUN
afbr-70	146	22	of	of	ADP
afbr-70	146	23	access	access	NOUN
afbr-70	146	24	to	to	ADP
afbr-70	146	25	capital	capital	NOUN
afbr-70	146	26	to	to	ADP
afbr-70	146	27	the	the	DET
afbr-70	146	28	poor	poor	ADJ
afbr-70	146	29	and	and	CCONJ
afbr-70	146	30	reduction	reduction	NOUN
afbr-70	146	31	of	of	ADP
afbr-70	146	32	the	the	DET
afbr-70	146	33	interest	interest	NOUN
afbr-70	146	34	rate	rate	NOUN
afbr-70	146	35	or	or	CCONJ
afbr-70	146	36	where	where	SCONJ
afbr-70	146	37	necessary	necessary	ADJ
afbr-70	146	38	an	an	DET
afbr-70	146	39	interest	interest	NOUN
afbr-70	146	40	free	free	ADJ
afbr-70	146	41	services	service	NOUN
afbr-70	146	42	.	.	PUNCT
afbr-70	147	1	these	these	PRON
afbr-70	147	2	will	will	AUX
afbr-70	147	3	go	go	VERB
afbr-70	147	4	along	along	ADP
afbr-70	147	5	way	way	NOUN
afbr-70	147	6	in	in	ADP
afbr-70	147	7	allevaiting	allevaite	VERB
afbr-70	147	8	poverty	poverty	NOUN
afbr-70	147	9	(	(	PUNCT
afbr-70	147	10	informant	informant	NOUN
afbr-70	147	11	three	three	NUM
afbr-70	147	12	)	)	PUNCT
afbr-70	147	13	.	.	PUNCT
afbr-70	148	1	literature	literature	NOUN
afbr-70	148	2	indicated	indicate	VERB
afbr-70	148	3	that	that	SCONJ
afbr-70	148	4	microfinancial	microfinancial	ADJ
afbr-70	148	5	institutions	institution	NOUN
afbr-70	148	6	provided	provide	VERB
afbr-70	148	7	loans	loan	NOUN
afbr-70	148	8	and	and	CCONJ
afbr-70	148	9	other	other	ADJ
afbr-70	148	10	financial	financial	ADJ
afbr-70	148	11	services	service	NOUN
afbr-70	148	12	to	to	ADP
afbr-70	148	13	the	the	DET
afbr-70	148	14	low	low	ADJ
afbr-70	148	15	income	income	NOUN
afbr-70	148	16	and	and	CCONJ
afbr-70	148	17	the	the	DET
afbr-70	148	18	poor	poor	ADJ
afbr-70	148	19	.	.	PUNCT
afbr-70	149	1	it	it	PRON
afbr-70	149	2	further	far	ADV
afbr-70	149	3	play	play	VERB
afbr-70	149	4	significant	significant	ADJ
afbr-70	149	5	roles	role	NOUN
afbr-70	149	6	in	in	ADP
afbr-70	149	7	economic	economic	ADJ
afbr-70	149	8	development	development	NOUN
afbr-70	149	9	,	,	PUNCT
afbr-70	149	10	poverty	poverty	NOUN
afbr-70	149	11	reduction	reduction	NOUN
afbr-70	149	12	,	,	PUNCT
afbr-70	149	13	employment	employment	NOUN
afbr-70	149	14	generation	generation	NOUN
afbr-70	149	15	and	and	CCONJ
afbr-70	149	16	easy	easy	ADJ
afbr-70	149	17	access	access	NOUN
afbr-70	149	18	of	of	ADP
afbr-70	149	19	loans	loan	NOUN
afbr-70	149	20	to	to	ADP
afbr-70	149	21	small	small	ADJ
afbr-70	149	22	scale	scale	NOUN
afbr-70	149	23	business	business	NOUN
afbr-70	149	24	in	in	ADP
afbr-70	149	25	kwara	kwara	PROPN
afbr-70	149	26	state	state	PROPN
afbr-70	149	27	,	,	PUNCT
afbr-70	149	28	nigeria	nigeria	PROPN
afbr-70	149	29	(	(	PUNCT
afbr-70	149	30	yahaya	yahaya	PROPN
afbr-70	149	31	&	&	CCONJ
afbr-70	149	32	osemene	osemene	PROPN
afbr-70	149	33	,	,	PUNCT
afbr-70	149	34	2011	2011	NUM
afbr-70	149	35	)	)	PUNCT
afbr-70	149	36	.	.	PUNCT
afbr-70	150	1	informant	informant	NOUN
afbr-70	150	2	three	three	NUM
afbr-70	150	3	:	:	PUNCT
afbr-70	150	4	recapitalisation	recapitalisation	NOUN
afbr-70	150	5	and	and	CCONJ
afbr-70	150	6	innovations	innovation	NOUN
afbr-70	150	7	:	:	PUNCT
afbr-70	150	8	these	these	DET
afbr-70	150	9	institutions	institution	NOUN
afbr-70	150	10	required	require	VERB
afbr-70	150	11	more	more	ADJ
afbr-70	150	12	capital	capital	NOUN
afbr-70	150	13	in	in	ADP
afbr-70	150	14	order	order	NOUN
afbr-70	150	15	to	to	PART
afbr-70	150	16	increase	increase	VERB
afbr-70	150	17	accessibility	accessibility	NOUN
afbr-70	150	18	of	of	ADP
afbr-70	150	19	the	the	DET
afbr-70	150	20	funds	fund	NOUN
afbr-70	150	21	by	by	ADP
afbr-70	150	22	the	the	DET
afbr-70	150	23	small	small	ADJ
afbr-70	150	24	scale	scale	NOUN
afbr-70	150	25	business	business	NOUN
afbr-70	150	26	and	and	CCONJ
afbr-70	150	27	the	the	DET
afbr-70	150	28	poor	poor	ADJ
afbr-70	150	29	.	.	PUNCT
afbr-70	151	1	other	other	ADJ
afbr-70	151	2	attractive	attractive	ADJ
afbr-70	151	3	revolutions	revolution	NOUN
afbr-70	151	4	such	such	ADJ
afbr-70	151	5	as	as	ADP
afbr-70	151	6	marketing	marketing	NOUN
afbr-70	151	7	of	of	ADP
afbr-70	151	8	the	the	DET
afbr-70	151	9	products	product	NOUN
afbr-70	151	10	and	and	CCONJ
afbr-70	151	11	services	service	NOUN
afbr-70	151	12	in	in	ADP
afbr-70	151	13	the	the	DET
afbr-70	151	14	villages	village	NOUN
afbr-70	151	15	will	will	AUX
afbr-70	151	16	influence	influence	VERB
afbr-70	151	17	the	the	DET
afbr-70	151	18	entrepreneurs	entrepreneur	NOUN
afbr-70	151	19	and	and	CCONJ
afbr-70	151	20	farmers	farmer	NOUN
afbr-70	151	21	to	to	PART
afbr-70	151	22	patronised	patronise	VERB
afbr-70	151	23	mfis	mfis	NOUN
afbr-70	151	24	activities	activity	NOUN
afbr-70	151	25	.	.	PUNCT
afbr-70	152	1	literature	literature	PROPN
afbr-70	152	2	attested	attest	VERB
afbr-70	152	3	that	that	SCONJ
afbr-70	152	4	recapitalization	recapitalization	NOUN
afbr-70	152	5	of	of	ADP
afbr-70	152	6	microfinancial	microfinancial	ADJ
afbr-70	152	7	banks	bank	NOUN
afbr-70	152	8	will	will	AUX
afbr-70	152	9	ensure	ensure	VERB
afbr-70	152	10	vibrant	vibrant	ADJ
afbr-70	152	11	support	support	NOUN
afbr-70	152	12	for	for	ADP
afbr-70	152	13	small	small	ADJ
afbr-70	152	14	scale	scale	NOUN
afbr-70	152	15	business	business	NOUN
afbr-70	152	16	and	and	CCONJ
afbr-70	152	17	enhance	enhance	VERB
afbr-70	152	18	proper	proper	ADJ
afbr-70	152	19	management	management	NOUN
afbr-70	152	20	of	of	ADP
afbr-70	152	21	loans	loan	NOUN
afbr-70	152	22	disbursement	disbursement	NOUN
afbr-70	152	23	as	as	ADV
afbr-70	152	24	well	well	ADV
afbr-70	152	25	as	as	ADP
afbr-70	152	26	granting	grant	VERB
afbr-70	152	27	adequate	adequate	ADJ
afbr-70	152	28	credit	credit	NOUN
afbr-70	152	29	facilities	facility	NOUN
afbr-70	152	30	to	to	ADP
afbr-70	152	31	poor	poor	ADJ
afbr-70	152	32	and	and	CCONJ
afbr-70	152	33	small	small	ADJ
afbr-70	152	34	scale	scale	NOUN
afbr-70	152	35	businesses	business	NOUN
afbr-70	152	36	operators	operator	NOUN
afbr-70	152	37	(	(	PUNCT
afbr-70	152	38	taiwo	taiwo	NOUN
afbr-70	152	39	,	,	PUNCT
afbr-70	152	40	yewande	yewande	PROPN
afbr-70	152	41	,	,	PUNCT
afbr-70	152	42	edwin	edwin	PROPN
afbr-70	152	43	&	&	CCONJ
afbr-70	152	44	benson	benson	PROPN
afbr-70	152	45	,	,	PUNCT
afbr-70	152	46	2016	2016	NUM
afbr-70	152	47	)	)	PUNCT
afbr-70	152	48	.	.	PUNCT
afbr-70	153	1	establishment	establishment	NOUN
afbr-70	153	2	of	of	ADP
afbr-70	153	3	additional	additional	ADJ
afbr-70	153	4	branches	branch	NOUN
afbr-70	153	5	across	across	ADP
afbr-70	153	6	towns	town	NOUN
afbr-70	153	7	and	and	CCONJ
afbr-70	153	8	villages	village	NOUN
afbr-70	153	9	.	.	PUNCT
afbr-70	154	1	the	the	DET
afbr-70	154	2	expansion	expansion	NOUN
afbr-70	154	3	of	of	ADP
afbr-70	154	4	mfis	mfis	PROPN
afbr-70	154	5	services	service	NOUN
afbr-70	154	6	to	to	ADP
afbr-70	154	7	remote	remote	ADJ
afbr-70	154	8	areas	area	NOUN
afbr-70	154	9	will	will	AUX
afbr-70	154	10	accelerate	accelerate	VERB
afbr-70	154	11	easy	easy	ADJ
afbr-70	154	12	access	access	NOUN
afbr-70	154	13	to	to	ADP
afbr-70	154	14	their	their	PRON
afbr-70	154	15	services	service	NOUN
afbr-70	154	16	and	and	CCONJ
afbr-70	154	17	encourage	encourage	VERB
afbr-70	154	18	competition	competition	NOUN
afbr-70	154	19	across	across	ADP
afbr-70	154	20	the	the	DET
afbr-70	154	21	towns	town	NOUN
afbr-70	154	22	and	and	CCONJ
afbr-70	154	23	villages	village	NOUN
afbr-70	154	24	.i	.i	PROPN
afbr-70	155	1	suggested	suggest	VERB
afbr-70	155	2	for	for	ADP
afbr-70	155	3	establishment	establishment	NOUN
afbr-70	155	4	of	of	ADP
afbr-70	155	5	three	three	NUM
afbr-70	155	6	to	to	PART
afbr-70	155	7	five	five	NUM
afbr-70	155	8	branches	branch	NOUN
afbr-70	155	9	in	in	ADP
afbr-70	155	10	each	each	DET
afbr-70	155	11	lga	lga	NOUN
afbr-70	155	12	especially	especially	ADV
afbr-70	155	13	in	in	ADP
afbr-70	155	14	the	the	DET
afbr-70	155	15	northern	northern	ADJ
afbr-70	155	16	part	part	NOUN
afbr-70	155	17	of	of	ADP
afbr-70	155	18	nigeria	nigeria	PROPN
afbr-70	155	19	(	(	PUNCT
afbr-70	155	20	informant	informant	NOUN
afbr-70	155	21	three	three	NUM
afbr-70	155	22	)	)	PUNCT
afbr-70	155	23	.	.	PUNCT
afbr-70	156	1	i	i	PRON
afbr-70	156	2	am	be	AUX
afbr-70	156	3	of	of	ADP
afbr-70	156	4	the	the	DET
afbr-70	156	5	view	view	NOUN
afbr-70	156	6	that	that	PRON
afbr-70	156	7	mfis	mfi	VERB
afbr-70	156	8	needs	need	NOUN
afbr-70	156	9	focused	focus	VERB
afbr-70	156	10	to	to	ADP
afbr-70	156	11	specific	specific	ADJ
afbr-70	156	12	sectors	sector	NOUN
afbr-70	156	13	of	of	ADP
afbr-70	156	14	the	the	DET
afbr-70	156	15	economy	economy	NOUN
afbr-70	156	16	for	for	ADP
afbr-70	156	17	instance	instance	NOUN
afbr-70	156	18	if	if	SCONJ
afbr-70	156	19	individuals	individual	NOUN
afbr-70	156	20	are	be	AUX
afbr-70	156	21	interested	interested	ADJ
afbr-70	156	22	in	in	ADP
afbr-70	156	23	agriculture	agriculture	NOUN
afbr-70	156	24	,	,	PUNCT
afbr-70	156	25	the	the	DET
afbr-70	156	26	loans	loan	NOUN
afbr-70	156	27	services	service	NOUN
afbr-70	156	28	should	should	AUX
afbr-70	156	29	be	be	AUX
afbr-70	156	30	perculiar	perculiar	ADJ
afbr-70	156	31	to	to	ADP
afbr-70	156	32	agriculture	agriculture	NOUN
afbr-70	156	33	,	,	PUNCT
afbr-70	156	34	small	small	ADJ
afbr-70	156	35	and	and	CCONJ
afbr-70	156	36	medium	medium	ADJ
afbr-70	156	37	scale	scale	NOUN
afbr-70	156	38	enterprises	enterprise	NOUN
afbr-70	156	39	,	,	PUNCT
afbr-70	156	40	transportation	transportation	NOUN
afbr-70	156	41	and	and	CCONJ
afbr-70	156	42	other	other	ADJ
afbr-70	156	43	services	service	NOUN
afbr-70	156	44	requires	require	VERB
afbr-70	156	45	(	(	PUNCT
afbr-70	156	46	informants	informant	NOUN
afbr-70	156	47	three	three	NUM
afbr-70	156	48	)	)	PUNCT
afbr-70	156	49	.	.	PUNCT
afbr-70	157	1	exploration	exploration	NOUN
afbr-70	157	2	of	of	ADP
afbr-70	157	3	micro	micro	ADJ
afbr-70	157	4	-	-	ADJ
afbr-70	157	5	finance	finance	ADJ
afbr-70	157	6	banking	banking	NOUN
afbr-70	157	7	policies	policy	NOUN
afbr-70	157	8	and	and	CCONJ
afbr-70	157	9	strategies	strategy	NOUN
afbr-70	157	10	for	for	ADP
afbr-70	157	11	poverty	poverty	NOUN
afbr-70	157	12	reduction	reduction	NOUN
afbr-70	157	13	in	in	ADP
afbr-70	157	14	nigeria	nigeria	PROPN
afbr-70	157	15	umar	umar	PROPN
afbr-70	157	16	farouk	farouk	PROPN
afbr-70	157	17	musa	musa	PROPN
afbr-70	157	18	and	and	CCONJ
afbr-70	157	19	inuwa	inuwa	VERB
afbr-70	157	20	baba	baba	PROPN
afbr-70	157	21	abubakar	abubakar	PROPN
afbr-70	157	22	9	9	NUM
afbr-70	157	23	5.5	5.5	NUM
afbr-70	157	24	discussion	discussion	NOUN
afbr-70	157	25	this	this	DET
afbr-70	157	26	study	study	NOUN
afbr-70	157	27	utilized	utilize	VERB
afbr-70	157	28	the	the	DET
afbr-70	157	29	thematic	thematic	ADJ
afbr-70	157	30	and	and	CCONJ
afbr-70	157	31	interactional	interactional	ADJ
afbr-70	157	32	narrative	narrative	NOUN
afbr-70	157	33	data	datum	NOUN
afbr-70	157	34	analysis	analysis	NOUN
afbr-70	157	35	method	method	NOUN
afbr-70	157	36	in	in	ADP
afbr-70	157	37	which	which	PRON
afbr-70	157	38	the	the	DET
afbr-70	157	39	results	result	NOUN
afbr-70	157	40	were	be	AUX
afbr-70	157	41	discussed	discuss	VERB
afbr-70	157	42	according	accord	VERB
afbr-70	157	43	to	to	ADP
afbr-70	157	44	the	the	DET
afbr-70	157	45	research	research	NOUN
afbr-70	157	46	questions	question	NOUN
afbr-70	157	47	and	and	CCONJ
afbr-70	157	48	facilitated	facilitate	VERB
afbr-70	157	49	the	the	DET
afbr-70	157	50	achievements	achievement	NOUN
afbr-70	157	51	of	of	ADP
afbr-70	157	52	the	the	DET
afbr-70	157	53	stated	state	VERB
afbr-70	157	54	objectives	objective	NOUN
afbr-70	157	55	.	.	PUNCT
afbr-70	158	1	thus	thus	ADV
afbr-70	158	2	,	,	PUNCT
afbr-70	158	3	theme	theme	NOUN
afbr-70	158	4	one	one	NUM
afbr-70	158	5	answered	answer	VERB
afbr-70	158	6	research	research	NOUN
afbr-70	158	7	question	question	NOUN
afbr-70	158	8	one	one	NUM
afbr-70	158	9	and	and	CCONJ
afbr-70	158	10	theme	theme	NOUN
afbr-70	158	11	two	two	NUM
afbr-70	158	12	answered	answer	VERB
afbr-70	158	13	the	the	DET
afbr-70	158	14	second	second	ADJ
afbr-70	158	15	question	question	NOUN
afbr-70	158	16	respectively	respectively	ADV
afbr-70	158	17	.	.	PUNCT
afbr-70	159	1	theme	theme	NOUN
afbr-70	159	2	one	one	NUM
afbr-70	159	3	,	,	PUNCT
afbr-70	159	4	addressed	address	VERB
afbr-70	159	5	the	the	DET
afbr-70	159	6	types	type	NOUN
afbr-70	159	7	and	and	CCONJ
afbr-70	159	8	policies	policy	NOUN
afbr-70	159	9	adopted	adopt	VERB
afbr-70	159	10	by	by	ADP
afbr-70	159	11	the	the	DET
afbr-70	159	12	government	government	NOUN
afbr-70	159	13	and	and	CCONJ
afbr-70	159	14	other	other	ADJ
afbr-70	159	15	operators	operator	NOUN
afbr-70	159	16	of	of	ADP
afbr-70	159	17	microfinancial	microfinancial	ADJ
afbr-70	159	18	banking	banking	NOUN
afbr-70	159	19	institutions	institution	NOUN
afbr-70	159	20	to	to	PART
afbr-70	159	21	reduce	reduce	VERB
afbr-70	159	22	poverty	poverty	NOUN
afbr-70	159	23	.	.	PUNCT
afbr-70	160	1	the	the	DET
afbr-70	160	2	results	result	NOUN
afbr-70	160	3	reveals	reveal	VERB
afbr-70	160	4	that	that	SCONJ
afbr-70	160	5	the	the	DET
afbr-70	160	6	different	different	ADJ
afbr-70	160	7	formsand	formsand	NOUN
afbr-70	160	8	practices	practice	NOUN
afbr-70	160	9	of	of	ADP
afbr-70	160	10	microfinancial	microfinancial	ADJ
afbr-70	160	11	banking	banking	NOUN
afbr-70	160	12	instututions	instutution	NOUN
afbr-70	160	13	in	in	ADP
afbr-70	160	14	nigeria	nigeria	PROPN
afbr-70	160	15	include	include	VERB
afbr-70	160	16	formal	formal	ADJ
afbr-70	160	17	,	,	PUNCT
afbr-70	160	18	informal	informal	ADJ
afbr-70	160	19	,	,	PUNCT
afbr-70	160	20	development	development	NOUN
afbr-70	160	21	and	and	CCONJ
afbr-70	160	22	mortgage	mortgage	NOUN
afbr-70	160	23	.	.	PUNCT
afbr-70	161	1	others	other	NOUN
afbr-70	161	2	comprise	comprise	VERB
afbr-70	161	3	of	of	ADP
afbr-70	161	4	community	community	NOUN
afbr-70	161	5	banks	bank	NOUN
afbr-70	161	6	,	,	PUNCT
afbr-70	161	7	public	public	ADJ
afbr-70	161	8	or	or	CCONJ
afbr-70	161	9	government	government	NOUN
afbr-70	161	10	owned	own	VERB
afbr-70	161	11	,	,	PUNCT
afbr-70	161	12	private	private	ADJ
afbr-70	161	13	and	and	CCONJ
afbr-70	161	14	foreign	foreign	ADJ
afbr-70	161	15	microfinance	microfinance	NOUN
afbr-70	161	16	institutions	institution	NOUN
afbr-70	161	17	.	.	PUNCT
afbr-70	162	1	literature	literature	NOUN
afbr-70	162	2	divulge	divulge	VERB
afbr-70	162	3	that	that	SCONJ
afbr-70	162	4	the	the	DET
afbr-70	162	5	informal	informal	ADJ
afbr-70	162	6	microfinancial	microfinancial	ADJ
afbr-70	162	7	institutions	institution	NOUN
afbr-70	162	8	existed	exist	VERB
afbr-70	162	9	before	before	ADP
afbr-70	162	10	the	the	DET
afbr-70	162	11	establishment	establishment	NOUN
afbr-70	162	12	of	of	ADP
afbr-70	162	13	the	the	DET
afbr-70	162	14	formal	formal	ADJ
afbr-70	162	15	banks	bank	NOUN
afbr-70	162	16	in	in	ADP
afbr-70	162	17	all	all	DET
afbr-70	162	18	parts	part	NOUN
afbr-70	162	19	of	of	ADP
afbr-70	162	20	the	the	DET
afbr-70	162	21	countryand	countryand	NOUN
afbr-70	162	22	provided	provide	VERB
afbr-70	162	23	some	some	DET
afbr-70	162	24	traditional	traditional	ADJ
afbr-70	162	25	forms	form	NOUN
afbr-70	162	26	of	of	ADP
afbr-70	162	27	banking	banking	NOUN
afbr-70	162	28	services	service	NOUN
afbr-70	162	29	for	for	ADP
afbr-70	162	30	the	the	DET
afbr-70	162	31	mutual	mutual	ADJ
afbr-70	162	32	benefits	benefit	NOUN
afbr-70	162	33	for	for	ADP
afbr-70	162	34	their	their	PRON
afbr-70	162	35	members	member	NOUN
afbr-70	162	36	such	such	ADJ
afbr-70	162	37	as	as	ADP
afbr-70	162	38	savings	saving	NOUN
afbr-70	162	39	and	and	CCONJ
afbr-70	162	40	credits	credit	NOUN
afbr-70	162	41	facilities	facility	NOUN
afbr-70	162	42	to	to	PART
afbr-70	162	43	carry	carry	VERB
afbr-70	162	44	out	out	ADP
afbr-70	162	45	their	their	PRON
afbr-70	162	46	businesses	business	NOUN
afbr-70	162	47	.	.	PUNCT
afbr-70	163	1	on	on	ADP
afbr-70	163	2	the	the	DET
afbr-70	163	3	other	other	ADJ
afbr-70	163	4	hand	hand	NOUN
afbr-70	163	5	the	the	DET
afbr-70	163	6	formalized	formalize	VERB
afbr-70	163	7	institutions	institution	NOUN
afbr-70	163	8	provided	provide	VERB
afbr-70	163	9	services	service	NOUN
afbr-70	163	10	in	in	ADP
afbr-70	163	11	the	the	DET
afbr-70	163	12	areas	area	NOUN
afbr-70	163	13	of	of	ADP
afbr-70	163	14	savings	saving	NOUN
afbr-70	163	15	,	,	PUNCT
afbr-70	163	16	credit	credit	NOUN
afbr-70	163	17	and	and	CCONJ
afbr-70	163	18	insurance	insurance	NOUN
afbr-70	163	19	.	.	PUNCT
afbr-70	164	1	the	the	DET
afbr-70	164	2	formal	formal	ADJ
afbr-70	164	3	institutions	institution	NOUN
afbr-70	164	4	targeted	target	VERB
afbr-70	164	5	the	the	DET
afbr-70	164	6	improvement	improvement	NOUN
afbr-70	164	7	of	of	ADP
afbr-70	164	8	the	the	DET
afbr-70	164	9	socio	socio	NOUN
afbr-70	164	10	-	-	PUNCT
afbr-70	164	11	economic	economic	ADJ
afbr-70	164	12	status	status	NOUN
afbr-70	164	13	of	of	ADP
afbr-70	164	14	women	woman	NOUN
afbr-70	164	15	particularly	particularly	ADV
afbr-70	164	16	in	in	ADP
afbr-70	164	17	the	the	DET
afbr-70	164	18	rural	rural	ADJ
afbr-70	164	19	areasvia	areasvia	NOUN
afbr-70	164	20	loans	loan	NOUN
afbr-70	164	21	,	,	PUNCT
afbr-70	164	22	skills	skill	NOUN
afbr-70	164	23	aquisitions	aquisition	NOUN
afbr-70	164	24	,	,	PUNCT
afbr-70	164	25	adult	adult	NOUN
afbr-70	164	26	literacy	literacy	NOUN
afbr-70	164	27	and	and	CCONJ
afbr-70	164	28	reproductive	reproductive	ADJ
afbr-70	164	29	health	health	NOUN
afbr-70	164	30	care	care	NOUN
afbr-70	164	31	.	.	PUNCT
afbr-70	165	1	the	the	DET
afbr-70	165	2	services	service	NOUN
afbr-70	165	3	equally	equally	ADV
afbr-70	165	4	covers	cover	VERB
afbr-70	165	5	community	community	NOUN
afbr-70	165	6	services	service	NOUN
afbr-70	165	7	on	on	ADP
afbr-70	165	8	wealth	wealth	NOUN
afbr-70	165	9	creation	creation	NOUN
afbr-70	165	10	amid	amid	ADP
afbr-70	165	11	the	the	DET
afbr-70	165	12	poor	poor	ADJ
afbr-70	165	13	and	and	CCONJ
afbr-70	165	14	the	the	DET
afbr-70	165	15	entrepreneurs	entrepreneur	NOUN
afbr-70	165	16	respectively	respectively	ADV
afbr-70	165	17	(	(	PUNCT
afbr-70	165	18	olomola	olomola	PROPN
afbr-70	165	19	,	,	PUNCT
afbr-70	165	20	2002).prior	2002).prior	NUM
afbr-70	165	21	studies	study	NOUN
afbr-70	165	22	indicated	indicate	VERB
afbr-70	165	23	that	that	SCONJ
afbr-70	165	24	the	the	DET
afbr-70	165	25	inability	inability	NOUN
afbr-70	165	26	of	of	ADP
afbr-70	165	27	the	the	DET
afbr-70	165	28	formal	formal	ADJ
afbr-70	165	29	financial	financial	ADJ
afbr-70	165	30	bodies	body	NOUN
afbr-70	165	31	to	to	PART
afbr-70	165	32	provide	provide	VERB
afbr-70	165	33	efficient	efficient	ADJ
afbr-70	165	34	services	service	NOUN
afbr-70	165	35	to	to	ADP
afbr-70	165	36	the	the	DET
afbr-70	165	37	rural	rural	ADJ
afbr-70	165	38	and	and	CCONJ
afbr-70	165	39	urban	urban	ADJ
afbr-70	165	40	poor	poor	ADJ
afbr-70	165	41	;	;	PUNCT
afbr-70	165	42	the	the	DET
afbr-70	165	43	unsustainable	unsustainable	ADJ
afbr-70	165	44	attitude	attitude	NOUN
afbr-70	165	45	of	of	ADP
afbr-70	165	46	the	the	DET
afbr-70	165	47	public	public	ADJ
afbr-70	165	48	financial	financial	ADJ
afbr-70	165	49	institutions	institution	NOUN
afbr-70	165	50	led	lead	VERB
afbr-70	165	51	to	to	ADP
afbr-70	165	52	the	the	DET
afbr-70	165	53	proliferation	proliferation	NOUN
afbr-70	165	54	of	of	ADP
afbr-70	165	55	the	the	DET
afbr-70	165	56	private	private	ADJ
afbr-70	165	57	microfinancial	microfinancial	ADJ
afbr-70	165	58	banks	bank	NOUN
afbr-70	165	59	in	in	ADP
afbr-70	165	60	nigeria	nigeria	PROPN
afbr-70	165	61	.	.	PUNCT
afbr-70	166	1	the	the	DET
afbr-70	166	2	foreign	foreign	ADJ
afbr-70	166	3	mfis	mfis	NOUN
afbr-70	166	4	are	be	AUX
afbr-70	166	5	those	those	PRON
afbr-70	166	6	owned	own	VERB
afbr-70	166	7	by	by	ADP
afbr-70	166	8	some	some	DET
afbr-70	166	9	multinational	multinational	ADJ
afbr-70	166	10	corporations	corporation	NOUN
afbr-70	166	11	,	,	PUNCT
afbr-70	166	12	shareholders	shareholder	NOUN
afbr-70	166	13	and	and	CCONJ
afbr-70	166	14	partners	partner	NOUN
afbr-70	166	15	(	(	PUNCT
afbr-70	166	16	liman	liman	NOUN
afbr-70	166	17	,	,	PUNCT
afbr-70	166	18	hashim	hashim	PROPN
afbr-70	166	19	&	&	CCONJ
afbr-70	166	20	arshad	arshad	PROPN
afbr-70	166	21	,	,	PUNCT
afbr-70	166	22	2017	2017	NUM
afbr-70	166	23	;	;	PUNCT
afbr-70	166	24	anyanwu	anyanwu	PROPN
afbr-70	166	25	,	,	PUNCT
afbr-70	166	26	2004	2004	NUM
afbr-70	166	27	)	)	PUNCT
afbr-70	166	28	.	.	PUNCT
afbr-70	167	1	the	the	DET
afbr-70	167	2	informants	informant	NOUN
afbr-70	167	3	maintained	maintain	VERB
afbr-70	167	4	that	that	SCONJ
afbr-70	167	5	other	other	ADJ
afbr-70	167	6	forms	form	NOUN
afbr-70	167	7	of	of	ADP
afbr-70	167	8	mfis	mfis	ADJ
afbr-70	167	9	consist	consist	NOUN
afbr-70	167	10	of	of	ADP
afbr-70	167	11	those	those	PRON
afbr-70	167	12	with	with	ADP
afbr-70	167	13	mortgage	mortgage	NOUN
afbr-70	167	14	and	and	CCONJ
afbr-70	167	15	developmental	developmental	ADJ
afbr-70	167	16	outlook	outlook	NOUN
afbr-70	167	17	which	which	PRON
afbr-70	167	18	finance	finance	VERB
afbr-70	167	19	housing	housing	NOUN
afbr-70	167	20	and	and	CCONJ
afbr-70	167	21	other	other	ADJ
afbr-70	167	22	long	long	ADJ
afbr-70	167	23	term	term	NOUN
afbr-70	167	24	businesses	business	NOUN
afbr-70	167	25	.	.	PUNCT
afbr-70	168	1	the	the	DET
afbr-70	168	2	central	central	ADJ
afbr-70	168	3	bank	bank	PROPN
afbr-70	168	4	of	of	ADP
afbr-70	168	5	nigeria	nigeria	PROPN
afbr-70	168	6	regulated	regulate	VERB
afbr-70	168	7	and	and	CCONJ
afbr-70	168	8	supervised	supervise	VERB
afbr-70	168	9	the	the	DET
afbr-70	168	10	mfis	mfis	NOUN
afbr-70	168	11	in	in	ADP
afbr-70	168	12	the	the	DET
afbr-70	168	13	country	country	NOUN
afbr-70	168	14	.	.	PUNCT
afbr-70	169	1	there	there	PRON
afbr-70	169	2	were	be	VERB
afbr-70	169	3	different	different	ADJ
afbr-70	169	4	policies	policy	NOUN
afbr-70	169	5	which	which	PRON
afbr-70	169	6	legalize	legalize	VERB
afbr-70	169	7	their	their	PRON
afbr-70	169	8	activities	activity	NOUN
afbr-70	169	9	,	,	PUNCT
afbr-70	169	10	in	in	ADP
afbr-70	169	11	same	same	ADJ
afbr-70	169	12	vein	vein	VERB
afbr-70	169	13	the	the	DET
afbr-70	169	14	informants	informant	NOUN
afbr-70	169	15	narrated	narrate	VERB
afbr-70	169	16	that	that	SCONJ
afbr-70	169	17	national	national	ADJ
afbr-70	169	18	microfinance	microfinance	NOUN
afbr-70	169	19	development	development	NOUN
afbr-70	169	20	strategy	strategy	NOUN
afbr-70	169	21	(	(	PUNCT
afbr-70	169	22	nmds	nmds	NOUN
afbr-70	169	23	)	)	PUNCT
afbr-70	169	24	were	be	AUX
afbr-70	169	25	established	establish	VERB
afbr-70	169	26	to	to	PART
afbr-70	169	27	revamp	revamp	VERB
afbr-70	169	28	the	the	DET
afbr-70	169	29	industry	industry	NOUN
afbr-70	169	30	and	and	CCONJ
afbr-70	169	31	overcome	overcome	VERB
afbr-70	169	32	the	the	DET
afbr-70	169	33	challenges	challenge	NOUN
afbr-70	169	34	of	of	ADP
afbr-70	169	35	the	the	DET
afbr-70	169	36	earlier	early	ADJ
afbr-70	169	37	policies	policy	NOUN
afbr-70	169	38	and	and	CCONJ
afbr-70	169	39	the	the	DET
afbr-70	169	40	national	national	ADJ
afbr-70	169	41	microfinance	microfinance	NOUN
afbr-70	169	42	regulatory	regulatory	ADJ
afbr-70	169	43	policy	policy	NOUN
afbr-70	169	44	,	,	PUNCT
afbr-70	169	45	and	and	CCONJ
afbr-70	169	46	supervisory	supervisory	ADJ
afbr-70	169	47	framework	framework	NOUN
afbr-70	169	48	(	(	PUNCT
afbr-70	169	49	nmprsf	nmprsf	PROPN
afbr-70	169	50	)	)	PUNCT
afbr-70	169	51	in	in	ADP
afbr-70	169	52	the	the	DET
afbr-70	169	53	year	year	NOUN
afbr-70	169	54	2000	2000	NUM
afbr-70	169	55	and	and	CCONJ
afbr-70	169	56	2011	2011	NUM
afbr-70	169	57	respectively.these	respectively.these	ADJ
afbr-70	169	58	policies	policy	NOUN
afbr-70	169	59	comprises	comprise	NOUN
afbr-70	169	60	of	of	ADP
afbr-70	169	61	the	the	DET
afbr-70	169	62	licensing	licensing	NOUN
afbr-70	169	63	and	and	CCONJ
afbr-70	169	64	ownership	ownership	NOUN
afbr-70	169	65	.	.	PUNCT
afbr-70	170	1	the	the	DET
afbr-70	170	2	central	central	ADJ
afbr-70	170	3	bank	bank	PROPN
afbr-70	170	4	of	of	ADP
afbr-70	170	5	nigeria	nigeria	PROPN
afbr-70	170	6	issue	issue	VERB
afbr-70	170	7	the	the	DET
afbr-70	170	8	certificate	certificate	NOUN
afbr-70	170	9	for	for	ADP
afbr-70	170	10	authorization	authorization	NOUN
afbr-70	170	11	to	to	ADP
afbr-70	170	12	all	all	DET
afbr-70	170	13	the	the	DET
afbr-70	170	14	categorize	categorize	NOUN
afbr-70	170	15	of	of	ADP
afbr-70	170	16	mfis	mfis	ADJ
afbr-70	170	17	such	such	ADJ
afbr-70	170	18	community	community	NOUN
afbr-70	170	19	,	,	PUNCT
afbr-70	170	20	private	private	ADJ
afbr-70	170	21	,	,	PUNCT
afbr-70	170	22	government	government	NOUN
afbr-70	170	23	,	,	PUNCT
afbr-70	170	24	ngo	ngo	PROPN
afbr-70	170	25	and	and	CCONJ
afbr-70	170	26	foreign	foreign	ADJ
afbr-70	170	27	mfis	mfis	PROPN
afbr-70	170	28	.	.	PUNCT
afbr-70	171	1	the	the	DET
afbr-70	171	2	cbn	cbn	PROPN
afbr-70	171	3	likewise	likewise	ADV
afbr-70	171	4	regulated	regulate	VERB
afbr-70	171	5	the	the	DET
afbr-70	171	6	ownerships	ownership	NOUN
afbr-70	171	7	of	of	ADP
afbr-70	171	8	these	these	PRON
afbr-70	171	9	mfis	mfis	VERB
afbr-70	171	10	either	either	DET
afbr-70	171	11	individuals	individual	NOUN
afbr-70	171	12	,	,	PUNCT
afbr-70	171	13	or	or	CCONJ
afbr-70	171	14	group	group	NOUN
afbr-70	171	15	of	of	ADP
afbr-70	171	16	individuals	individual	NOUN
afbr-70	171	17	,	,	PUNCT
afbr-70	171	18	state	state	NOUN
afbr-70	171	19	or	or	CCONJ
afbr-70	171	20	local	local	ADJ
afbr-70	171	21	government	government	NOUN
afbr-70	171	22	body	body	NOUN
afbr-70	171	23	,	,	PUNCT
afbr-70	171	24	community	community	NOUN
afbr-70	171	25	development	development	NOUN
afbr-70	171	26	associations	association	NOUN
afbr-70	171	27	,	,	PUNCT
afbr-70	171	28	private	private	ADJ
afbr-70	171	29	corporate	corporate	ADJ
afbr-70	171	30	entities	entity	NOUN
afbr-70	171	31	and	and	CCONJ
afbr-70	171	32	foreign	foreign	ADJ
afbr-70	171	33	investors	investor	NOUN
afbr-70	171	34	respectively	respectively	ADV
afbr-70	171	35	.	.	PUNCT
afbr-70	172	1	these	these	PRON
afbr-70	172	2	currently	currently	ADV
afbr-70	172	3	defines	define	VERB
afbr-70	172	4	the	the	DET
afbr-70	172	5	size	size	NOUN
afbr-70	172	6	,	,	PUNCT
afbr-70	172	7	duration	duration	NOUN
afbr-70	172	8	of	of	ADP
afbr-70	172	9	loans	loan	NOUN
afbr-70	172	10	and	and	CCONJ
afbr-70	172	11	initial	initial	ADJ
afbr-70	172	12	capital	capital	NOUN
afbr-70	172	13	to	to	PART
afbr-70	172	14	set	set	VERB
afbr-70	172	15	up	up	ADP
afbr-70	172	16	mfbs	mfb	NOUN
afbr-70	172	17	.	.	PUNCT
afbr-70	173	1	preceding	precede	VERB
afbr-70	173	2	study	study	NOUN
afbr-70	173	3	uphold	uphold	VERB
afbr-70	173	4	that	that	SCONJ
afbr-70	173	5	the	the	DET
afbr-70	173	6	regulations	regulation	NOUN
afbr-70	173	7	wereprofessionally	wereprofessionally	ADV
afbr-70	173	8	organizedbut	organizedbut	CCONJ
afbr-70	173	9	yielded	yield	VERB
afbr-70	173	10	insignificant	insignificant	ADJ
afbr-70	173	11	impact	impact	NOUN
afbr-70	173	12	on	on	ADP
afbr-70	173	13	the	the	DET
afbr-70	173	14	empowerment	empowerment	NOUN
afbr-70	173	15	of	of	ADP
afbr-70	173	16	the	the	DET
afbr-70	173	17	poor	poor	ADJ
afbr-70	173	18	in	in	ADP
afbr-70	173	19	the	the	DET
afbr-70	173	20	country	country	NOUN
afbr-70	173	21	(	(	PUNCT
afbr-70	173	22	siwale	siwale	NOUN
afbr-70	173	23	&	&	CCONJ
afbr-70	173	24	okoye	okoye	PROPN
afbr-70	173	25	,	,	PUNCT
afbr-70	173	26	2017	2017	NUM
afbr-70	173	27	)	)	PUNCT
afbr-70	173	28	.	.	PUNCT
afbr-70	174	1	the	the	DET
afbr-70	174	2	paid	pay	VERB
afbr-70	174	3	-	-	PUNCT
afbr-70	174	4	up	up	ADP
afbr-70	174	5	capital	capital	NOUN
afbr-70	174	6	requirements	requirement	NOUN
afbr-70	174	7	policy	policy	NOUN
afbr-70	174	8	which	which	PRON
afbr-70	174	9	encompasses	encompass	VERB
afbr-70	174	10	the	the	DET
afbr-70	174	11	operational	operational	ADJ
afbr-70	174	12	permission	permission	NOUN
afbr-70	174	13	on	on	ADP
afbr-70	174	14	the	the	DET
afbr-70	174	15	aspect	aspect	NOUN
afbr-70	174	16	capital	capital	NOUN
afbr-70	174	17	and	and	CCONJ
afbr-70	174	18	coverage	coverage	NOUN
afbr-70	174	19	in	in	ADP
afbr-70	174	20	the	the	DET
afbr-70	174	21	states	state	NOUN
afbr-70	174	22	,	,	PUNCT
afbr-70	174	23	the	the	DET
afbr-70	174	24	federal	federal	ADJ
afbr-70	174	25	capital	capital	NOUN
afbr-70	174	26	and	and	CCONJ
afbr-70	174	27	the	the	DET
afbr-70	174	28	country	country	NOUN
afbr-70	174	29	at	at	ADP
afbr-70	174	30	large.for	large.for	ADP
afbr-70	174	31	instance	instance	NOUN
afbr-70	174	32	,	,	PUNCT
afbr-70	174	33	a	a	DET
afbr-70	174	34	sum	sum	NOUN
afbr-70	174	35	of	of	ADP
afbr-70	174	36	twenty	twenty	NUM
afbr-70	174	37	million	million	NUM
afbr-70	174	38	pay	pay	NOUN
afbr-70	174	39	-	-	PUNCT
afbr-70	174	40	up	up	ADP
afbr-70	174	41	capital	capital	NOUN
afbr-70	174	42	are	be	AUX
afbr-70	174	43	required	require	VERB
afbr-70	174	44	for	for	SCONJ
afbr-70	174	45	states	state	NOUN
afbr-70	174	46	mfis	mfi	VERB
afbr-70	174	47	whereas	whereas	SCONJ
afbr-70	174	48	the	the	DET
afbr-70	174	49	fct	fct	NOUN
afbr-70	174	50	and	and	CCONJ
afbr-70	174	51	the	the	DET
afbr-70	174	52	national	national	ADJ
afbr-70	174	53	branches	branch	NOUN
afbr-70	174	54	should	should	AUX
afbr-70	174	55	have	have	VERB
afbr-70	174	56	one	one	NUM
afbr-70	174	57	hundred	hundred	NUM
afbr-70	174	58	million	million	NUM
afbr-70	174	59	and	and	CCONJ
afbr-70	174	60	two	two	NUM
afbr-70	174	61	billion	billion	NUM
afbr-70	174	62	naira	naira	NOUN
afbr-70	174	63	respectively	respectively	ADV
afbr-70	174	64	.	.	PUNCT
afbr-70	175	1	literature	literature	NOUN
afbr-70	175	2	indicated	indicate	VERB
afbr-70	175	3	that	that	SCONJ
afbr-70	175	4	viable	viable	ADJ
afbr-70	175	5	capitalization	capitalization	NOUN
afbr-70	175	6	requirement	requirement	NOUN
afbr-70	175	7	depends	depend	VERB
afbr-70	175	8	on	on	ADP
afbr-70	175	9	the	the	DET
afbr-70	175	10	geograhical	geograhical	ADJ
afbr-70	175	11	coverage	coverage	NOUN
afbr-70	175	12	of	of	ADP
afbr-70	175	13	these	these	DET
afbr-70	175	14	banks	bank	NOUN
afbr-70	175	15	,	,	PUNCT
afbr-70	175	16	population	population	NOUN
afbr-70	175	17	,	,	PUNCT
afbr-70	175	18	volume	volume	NOUN
afbr-70	175	19	of	of	ADP
afbr-70	175	20	business	business	NOUN
afbr-70	175	21	and	and	CCONJ
afbr-70	175	22	scope.thesefurther	scope.thesefurther	PROPN
afbr-70	175	23	solidify	solidify	VERB
afbr-70	175	24	their	their	PRON
afbr-70	175	25	efficiencies	efficiency	NOUN
afbr-70	175	26	as	as	ADV
afbr-70	175	27	well	well	ADV
afbr-70	175	28	as	as	ADP
afbr-70	175	29	compentencies	compentencie	NOUN
afbr-70	175	30	in	in	ADP
afbr-70	175	31	making	make	VERB
afbr-70	175	32	capital	capital	NOUN
afbr-70	175	33	available	available	ADJ
afbr-70	175	34	for	for	ADP
afbr-70	175	35	their	their	PRON
afbr-70	175	36	customers	customer	NOUN
afbr-70	175	37	(	(	PUNCT
afbr-70	175	38	ebomuche	ebomuche	NOUN
afbr-70	175	39	,	,	PUNCT
afbr-70	175	40	ihugba	ihugba	NOUN
afbr-70	175	41	,	,	PUNCT
afbr-70	175	42	&	&	CCONJ
afbr-70	175	43	bankong	bankong	PROPN
afbr-70	175	44	,	,	PUNCT
afbr-70	175	45	2014	2014	NUM
afbr-70	175	46	)	)	PUNCT
afbr-70	175	47	.	.	PUNCT
afbr-70	176	1	other	other	ADJ
afbr-70	176	2	regulatory	regulatory	ADJ
afbr-70	176	3	policies	policy	NOUN
afbr-70	176	4	consist	consist	VERB
afbr-70	176	5	of	of	ADP
afbr-70	176	6	the	the	DET
afbr-70	176	7	permissibility	permissibility	NOUN
afbr-70	176	8	and	and	CCONJ
afbr-70	176	9	acceptability	acceptability	NOUN
afbr-70	176	10	ofdifferent	ofdifferent	NOUN
afbr-70	176	11	transactions	transaction	NOUN
afbr-70	176	12	such	such	ADJ
afbr-70	176	13	as	as	ADP
afbr-70	176	14	savings	saving	NOUN
afbr-70	176	15	,	,	PUNCT
afbr-70	176	16	time	time	NOUN
afbr-70	176	17	,	,	PUNCT
afbr-70	176	18	and	and	CCONJ
afbr-70	176	19	targeted	target	VERB
afbr-70	176	20	individuals	individual	NOUN
afbr-70	176	21	,	,	PUNCT
afbr-70	176	22	groups	group	NOUN
afbr-70	176	23	and	and	CCONJ
afbr-70	176	24	associations	association	NOUN
afbr-70	176	25	.	.	PUNCT
afbr-70	177	1	the	the	DET
afbr-70	177	2	mfis	mfis	NOUN
afbr-70	177	3	provides	provide	VERB
afbr-70	177	4	credit	credit	NOUN
afbr-70	177	5	to	to	ADP
afbr-70	177	6	the	the	DET
afbr-70	177	7	customers	customer	NOUN
afbr-70	177	8	formally	formally	ADV
afbr-70	177	9	and	and	CCONJ
afbr-70	177	10	exploration	exploration	NOUN
afbr-70	177	11	of	of	ADP
afbr-70	177	12	micro	micro	ADJ
afbr-70	177	13	-	-	ADJ
afbr-70	177	14	finance	finance	ADJ
afbr-70	177	15	banking	banking	NOUN
afbr-70	177	16	policies	policy	NOUN
afbr-70	177	17	and	and	CCONJ
afbr-70	177	18	strategies	strategy	NOUN
afbr-70	177	19	for	for	ADP
afbr-70	177	20	poverty	poverty	NOUN
afbr-70	177	21	reduction	reduction	NOUN
afbr-70	177	22	in	in	ADP
afbr-70	177	23	nigeria	nigeria	PROPN
afbr-70	177	24	umar	umar	PROPN
afbr-70	177	25	farouk	farouk	PROPN
afbr-70	177	26	musa	musa	PROPN
afbr-70	177	27	and	and	CCONJ
afbr-70	177	28	inuwa	inuwa	PROPN
afbr-70	177	29	baba	baba	PROPN
afbr-70	177	30	abubakar	abubakar	PROPN
afbr-70	177	31	10	10	NUM
afbr-70	177	32	informal	informal	ADJ
afbr-70	177	33	.	.	PUNCT
afbr-70	178	1	they	they	PRON
afbr-70	178	2	also	also	ADV
afbr-70	178	3	promote	promote	VERB
afbr-70	178	4	and	and	CCONJ
afbr-70	178	5	monitored	monitor	VERB
afbr-70	178	6	loans	loan	NOUN
afbr-70	178	7	disbursement	disbursement	NOUN
afbr-70	178	8	particularly	particularly	ADV
afbr-70	178	9	on	on	ADP
afbr-70	178	10	capacity	capacity	NOUN
afbr-70	178	11	building	building	NOUN
afbr-70	178	12	in	in	ADP
afbr-70	178	13	the	the	DET
afbr-70	178	14	areas	area	NOUN
afbr-70	178	15	of	of	ADP
afbr-70	178	16	small	small	ADJ
afbr-70	178	17	business	business	NOUN
afbr-70	178	18	management	management	NOUN
afbr-70	178	19	and	and	CCONJ
afbr-70	178	20	record	record	NOUN
afbr-70	178	21	keeping	keeping	NOUN
afbr-70	178	22	.	.	PUNCT
afbr-70	179	1	additionally	additionally	ADV
afbr-70	179	2	,	,	PUNCT
afbr-70	179	3	the	the	DET
afbr-70	179	4	policy	policy	NOUN
afbr-70	179	5	permitted	permit	VERB
afbr-70	179	6	the	the	DET
afbr-70	179	7	buying	buying	NOUN
afbr-70	179	8	,	,	PUNCT
afbr-70	179	9	selling	selling	NOUN
afbr-70	179	10	,	,	PUNCT
afbr-70	179	11	and	and	CCONJ
afbr-70	179	12	supply	supply	NOUN
afbr-70	179	13	of	of	ADP
afbr-70	179	14	industrial	industrial	ADJ
afbr-70	179	15	and	and	CCONJ
afbr-70	179	16	agricultural	agricultural	ADJ
afbr-70	179	17	inputs	input	NOUN
afbr-70	179	18	.	.	PUNCT
afbr-70	180	1	the	the	DET
afbr-70	180	2	services	service	NOUN
afbr-70	180	3	also	also	ADV
afbr-70	180	4	covers	cover	VERB
afbr-70	180	5	machinery	machinery	NOUN
afbr-70	180	6	and	and	CCONJ
afbr-70	180	7	industrial	industrial	ADJ
afbr-70	180	8	raw	raw	ADJ
afbr-70	180	9	materials	material	NOUN
afbr-70	180	10	to	to	ADP
afbr-70	180	11	low	low	ADJ
afbr-70	180	12	-	-	PUNCT
afbr-70	180	13	income	income	NOUN
afbr-70	180	14	persons	person	NOUN
afbr-70	180	15	on	on	ADP
afbr-70	180	16	credit	credit	NOUN
afbr-70	180	17	and	and	CCONJ
afbr-70	180	18	to	to	PART
afbr-70	180	19	act	act	VERB
afbr-70	180	20	as	as	ADP
afbr-70	180	21	agent	agent	NOUN
afbr-70	180	22	for	for	ADP
afbr-70	180	23	any	any	DET
afbr-70	180	24	association	association	NOUN
afbr-70	180	25	for	for	ADP
afbr-70	180	26	the	the	DET
afbr-70	180	27	sale	sale	NOUN
afbr-70	180	28	of	of	ADP
afbr-70	180	29	such	such	ADJ
afbr-70	180	30	goods	good	NOUN
afbr-70	180	31	or	or	CCONJ
afbr-70	180	32	livestock.the	livestock.the	DET
afbr-70	180	33	mfis	mfis	NOUN
afbr-70	180	34	were	be	AUX
afbr-70	180	35	constrained	constrain	VERB
afbr-70	180	36	from	from	ADP
afbr-70	180	37	accepting	accept	VERB
afbr-70	180	38	public	public	ADJ
afbr-70	180	39	deposits	deposit	NOUN
afbr-70	180	40	,	,	PUNCT
afbr-70	180	41	foreign	foreign	ADJ
afbr-70	180	42	exchange	exchange	NOUN
afbr-70	180	43	transtions	transtion	NOUN
afbr-70	180	44	,	,	PUNCT
afbr-70	180	45	international	international	ADJ
afbr-70	180	46	corporate	corporate	ADJ
afbr-70	180	47	finance	finance	NOUN
afbr-70	180	48	,	,	PUNCT
afbr-70	180	49	commercial	commercial	ADJ
afbr-70	180	50	papers	paper	NOUN
afbr-70	180	51	,	,	PUNCT
afbr-70	180	52	electronic	electronic	ADJ
afbr-70	180	53	funds	fund	NOUN
afbr-70	180	54	transfer	transfer	VERB
afbr-70	180	55	and	and	CCONJ
afbr-70	180	56	clearing	clear	VERB
afbr-70	180	57	house	house	NOUN
afbr-70	180	58	business	business	NOUN
afbr-70	180	59	.	.	PUNCT
afbr-70	181	1	the	the	DET
afbr-70	181	2	policies	policy	NOUN
afbr-70	181	3	equally	equally	ADV
afbr-70	181	4	restricted	restrict	VERB
afbr-70	181	5	them	they	PRON
afbr-70	181	6	from	from	ADP
afbr-70	181	7	any	any	DET
afbr-70	181	8	facility	facility	NOUN
afbr-70	181	9	for	for	ADP
afbr-70	181	10	speculative	speculative	ADJ
afbr-70	181	11	purposes	purpose	NOUN
afbr-70	181	12	and	and	CCONJ
afbr-70	181	13	financing	finance	VERB
afbr-70	181	14	illegal	illegal	ADJ
afbr-70	181	15	transtions	transtion	NOUN
afbr-70	181	16	such	such	ADJ
afbr-70	181	17	as	as	ADP
afbr-70	181	18	gamling	gamle	VERB
afbr-70	181	19	,	,	PUNCT
afbr-70	181	20	firearms	firearm	NOUN
afbr-70	181	21	and	and	CCONJ
afbr-70	181	22	drug	drug	NOUN
afbr-70	181	23	-	-	PUNCT
afbr-70	181	24	trafficking	trafficking	NOUN
afbr-70	181	25	.	.	PUNCT
afbr-70	182	1	astudy	astudy	PROPN
afbr-70	182	2	from	from	ADP
afbr-70	182	3	the	the	DET
afbr-70	182	4	central	central	ADJ
afbr-70	182	5	bank	bank	PROPN
afbr-70	182	6	of	of	ADP
afbr-70	182	7	nigeria	nigeria	PROPN
afbr-70	182	8	,	,	PUNCT
afbr-70	182	9	attested	attest	VERB
afbr-70	182	10	that	that	SCONJ
afbr-70	182	11	the	the	DET
afbr-70	182	12	rationale	rationale	NOUN
afbr-70	182	13	for	for	ADP
afbr-70	182	14	the	the	DET
afbr-70	182	15	regulations	regulation	NOUN
afbr-70	182	16	were	be	AUX
afbr-70	182	17	to	to	PART
afbr-70	182	18	ensure	ensure	VERB
afbr-70	182	19	economic	economic	ADJ
afbr-70	182	20	reforms	reform	NOUN
afbr-70	182	21	and	and	CCONJ
afbr-70	182	22	achieve	achieve	VERB
afbr-70	182	23	price	price	NOUN
afbr-70	182	24	stability	stability	NOUN
afbr-70	182	25	,	,	PUNCT
afbr-70	182	26	employment	employment	NOUN
afbr-70	182	27	,	,	PUNCT
afbr-70	182	28	economic	economic	ADJ
afbr-70	182	29	growth	growth	NOUN
afbr-70	182	30	;	;	PUNCT
afbr-70	182	31	internal	internal	ADJ
afbr-70	182	32	and	and	CCONJ
afbr-70	182	33	external	external	ADJ
afbr-70	182	34	balances	balance	NOUN
afbr-70	182	35	as	as	ADV
afbr-70	182	36	well	well	ADV
afbr-70	182	37	as	as	ADP
afbr-70	182	38	repostioned	repostione	VERB
afbr-70	182	39	the	the	DET
afbr-70	182	40	country	country	NOUN
afbr-70	182	41	amid	amid	ADP
afbr-70	182	42	20th	20th	ADJ
afbr-70	182	43	vibrant	vibrant	ADJ
afbr-70	182	44	economies	economy	NOUN
afbr-70	182	45	by	by	ADP
afbr-70	182	46	2020(sanusi	2020(sanusi	NUM
afbr-70	182	47	,	,	PUNCT
afbr-70	182	48	2012	2012	NUM
afbr-70	182	49	)	)	PUNCT
afbr-70	182	50	.	.	PUNCT
afbr-70	183	1	answering	answer	VERB
afbr-70	183	2	research	research	NOUN
afbr-70	183	3	question	question	NOUN
afbr-70	183	4	two	two	NUM
afbr-70	183	5	,	,	PUNCT
afbr-70	183	6	the	the	DET
afbr-70	183	7	informants	informant	NOUN
afbr-70	183	8	identified	identify	VERB
afbr-70	183	9	and	and	CCONJ
afbr-70	183	10	narrated	narrate	VERB
afbr-70	183	11	various	various	ADJ
afbr-70	183	12	challenges	challenge	NOUN
afbr-70	183	13	bedevilling	bedevil	VERB
afbr-70	183	14	the	the	DET
afbr-70	183	15	successful	successful	ADJ
afbr-70	183	16	operations	operation	NOUN
afbr-70	183	17	of	of	ADP
afbr-70	183	18	mfis	mfis	NOUN
afbr-70	183	19	,	,	PUNCT
afbr-70	183	20	especially	especially	ADV
afbr-70	183	21	in	in	ADP
afbr-70	183	22	the	the	DET
afbr-70	183	23	study	study	NOUN
afbr-70	183	24	area	area	NOUN
afbr-70	183	25	which	which	PRON
afbr-70	183	26	includes	include	VERB
afbr-70	183	27	deficiency	deficiency	NOUN
afbr-70	183	28	of	of	ADP
afbr-70	183	29	access	access	NOUN
afbr-70	183	30	to	to	ADP
afbr-70	183	31	electricity	electricity	NOUN
afbr-70	183	32	supply	supply	NOUN
afbr-70	183	33	;	;	PUNCT
afbr-70	183	34	inadequate	inadequate	ADJ
afbr-70	183	35	supervision	supervision	NOUN
afbr-70	183	36	and	and	CCONJ
afbr-70	183	37	loan	loan	NOUN
afbr-70	183	38	defaults	default	NOUN
afbr-70	183	39	.	.	PUNCT
afbr-70	184	1	unsustainable	unsustainable	ADJ
afbr-70	184	2	intervention	intervention	NOUN
afbr-70	184	3	programs	program	NOUN
afbr-70	184	4	;	;	PUNCT
afbr-70	184	5	insufficient	insufficient	ADJ
afbr-70	184	6	cheap	cheap	ADJ
afbr-70	184	7	funds	fund	NOUN
afbr-70	184	8	;	;	PUNCT
afbr-70	184	9	low	low	ADJ
afbr-70	184	10	public	public	ADJ
afbr-70	184	11	awareness	awareness	NOUN
afbr-70	184	12	and	and	CCONJ
afbr-70	184	13	poor	poor	ADJ
afbr-70	184	14	regulatory	regulatory	ADJ
afbr-70	184	15	enforcement	enforcement	NOUN
afbr-70	184	16	;	;	PUNCT
afbr-70	184	17	poor	poor	ADJ
afbr-70	184	18	communication	communication	NOUN
afbr-70	184	19	and	and	CCONJ
afbr-70	184	20	low	low	ADJ
afbr-70	184	21	awareness	awareness	NOUN
afbr-70	184	22	in	in	ADP
afbr-70	184	23	society	society	NOUN
afbr-70	184	24	;	;	PUNCT
afbr-70	184	25	lack	lack	NOUN
afbr-70	184	26	of	of	ADP
afbr-70	184	27	banking	banking	NOUN
afbr-70	184	28	experience	experience	NOUN
afbr-70	184	29	among	among	ADP
afbr-70	184	30	poor	poor	ADJ
afbr-70	184	31	and	and	CCONJ
afbr-70	184	32	low	low	ADJ
afbr-70	184	33	-	-	PUNCT
afbr-70	184	34	income	income	NOUN
afbr-70	184	35	earners	earner	NOUN
afbr-70	184	36	;	;	PUNCT
afbr-70	184	37	high	high	ADJ
afbr-70	184	38	operating	operating	NOUN
afbr-70	184	39	cost	cost	NOUN
afbr-70	184	40	;	;	PUNCT
afbr-70	184	41	low	low	ADJ
afbr-70	184	42	literacy	literacy	NOUN
afbr-70	184	43	rate	rate	NOUN
afbr-70	184	44	among	among	ADP
afbr-70	184	45	the	the	DET
afbr-70	184	46	population	population	NOUN
afbr-70	184	47	,	,	PUNCT
afbr-70	184	48	insecurity	insecurity	NOUN
afbr-70	184	49	in	in	ADP
afbr-70	184	50	the	the	DET
afbr-70	184	51	northern	northern	ADJ
afbr-70	184	52	eastern	eastern	ADJ
afbr-70	184	53	states	state	NOUN
afbr-70	184	54	;	;	PUNCT
afbr-70	184	55	insufficient	insufficient	ADJ
afbr-70	184	56	donor	donor	NOUN
afbr-70	184	57	funding	funding	NOUN
afbr-70	184	58	,	,	PUNCT
afbr-70	184	59	loan	loan	NOUN
afbr-70	184	60	and	and	CCONJ
afbr-70	184	61	equity.limited	equity.limite	VERB
afbr-70	184	62	standardized	standardized	ADJ
afbr-70	184	63	reporting	reporting	NOUN
afbr-70	184	64	and	and	CCONJ
afbr-70	184	65	performance	performance	NOUN
afbr-70	184	66	monitoring	monitoring	NOUN
afbr-70	184	67	system.lack	system.lack	NOUN
afbr-70	184	68	of	of	ADP
afbr-70	184	69	good	good	ADJ
afbr-70	184	70	roads	road	NOUN
afbr-70	184	71	and	and	CCONJ
afbr-70	184	72	transportation	transportation	NOUN
afbr-70	184	73	system	system	NOUN
afbr-70	184	74	in	in	ADP
afbr-70	184	75	some	some	DET
afbr-70	184	76	rural	rural	ADJ
afbr-70	184	77	areas	area	NOUN
afbr-70	184	78	respectively	respectively	ADV
afbr-70	184	79	.	.	PUNCT
afbr-70	185	1	literature	literature	PROPN
afbr-70	185	2	established	establish	VERB
afbr-70	185	3	and	and	CCONJ
afbr-70	185	4	attested	attest	VERB
afbr-70	185	5	that	that	SCONJ
afbr-70	185	6	there	there	PRON
afbr-70	185	7	were	be	VERB
afbr-70	185	8	cases	case	NOUN
afbr-70	185	9	of	of	ADP
afbr-70	185	10	diversion	diversion	NOUN
afbr-70	185	11	of	of	ADP
afbr-70	185	12	funds	fund	NOUN
afbr-70	185	13	allocated	allocate	VERB
afbr-70	185	14	for	for	ADP
afbr-70	185	15	the	the	DET
afbr-70	185	16	loans	loan	NOUN
afbr-70	185	17	packages	package	NOUN
afbr-70	185	18	to	to	ADP
afbr-70	185	19	small	small	ADJ
afbr-70	185	20	scale	scale	NOUN
afbr-70	185	21	farmers	farmer	NOUN
afbr-70	185	22	especially	especially	ADV
afbr-70	185	23	among	among	ADP
afbr-70	185	24	public	public	ADJ
afbr-70	185	25	mfis	mfis	NOUN
afbr-70	185	26	,	,	PUNCT
afbr-70	185	27	other	other	ADJ
afbr-70	185	28	perils	peril	NOUN
afbr-70	185	29	include	include	VERB
afbr-70	185	30	inadequate	inadequate	ADJ
afbr-70	185	31	finance	finance	NOUN
afbr-70	185	32	to	to	PART
afbr-70	185	33	effectively	effectively	ADV
afbr-70	185	34	operate	operate	VERB
afbr-70	185	35	,	,	PUNCT
afbr-70	185	36	low	low	ADJ
afbr-70	185	37	capacity	capacity	NOUN
afbr-70	185	38	building	building	NOUN
afbr-70	185	39	and	and	CCONJ
afbr-70	185	40	technical	technical	ADJ
afbr-70	185	41	expertise	expertise	NOUN
afbr-70	185	42	in	in	ADP
afbr-70	185	43	management	management	NOUN
afbr-70	185	44	of	of	ADP
afbr-70	185	45	mfis	mfis	PROPN
afbr-70	185	46	led	lead	VERB
afbr-70	185	47	to	to	PART
afbr-70	185	48	increase	increase	VERB
afbr-70	185	49	in	in	ADP
afbr-70	185	50	the	the	DET
afbr-70	185	51	poverty	poverty	NOUN
afbr-70	185	52	level	level	NOUN
afbr-70	185	53	especially	especially	ADV
afbr-70	185	54	in	in	ADP
afbr-70	185	55	the	the	DET
afbr-70	185	56	northern	northern	PROPN
afbr-70	185	57	nigeria	nigeria	PROPN
afbr-70	185	58	(	(	PUNCT
afbr-70	185	59	taiwo	taiwo	PROPN
afbr-70	185	60	,	,	PUNCT
afbr-70	185	61	yewande	yewande	PROPN
afbr-70	185	62	,	,	PUNCT
afbr-70	185	63	edwin	edwin	PROPN
afbr-70	185	64	&	&	CCONJ
afbr-70	185	65	benson	benson	PROPN
afbr-70	185	66	,	,	PUNCT
afbr-70	185	67	2016	2016	NUM
afbr-70	185	68	)	)	PUNCT
afbr-70	185	69	.	.	PUNCT
afbr-70	186	1	re	re	PROPN
afbr-70	186	2	-	-	NOUN
afbr-70	186	3	capitalisation	capitalisation	NOUN
afbr-70	186	4	and	and	CCONJ
afbr-70	186	5	innovations	innovation	NOUN
afbr-70	186	6	in	in	ADP
afbr-70	186	7	addition	addition	NOUN
afbr-70	186	8	to	to	ADP
afbr-70	186	9	the	the	DET
afbr-70	186	10	establishment	establishment	NOUN
afbr-70	186	11	of	of	ADP
afbr-70	186	12	additional	additional	ADJ
afbr-70	186	13	branches	branch	NOUN
afbr-70	186	14	across	across	ADP
afbr-70	186	15	towns	town	NOUN
afbr-70	186	16	and	and	CCONJ
afbr-70	186	17	villages.prior	villages.prior	NUM
afbr-70	186	18	study	study	NOUN
afbr-70	186	19	uphold	uphold	VERB
afbr-70	186	20	that	that	PRON
afbr-70	186	21	for	for	SCONJ
afbr-70	186	22	mfis	mfis	NOUN
afbr-70	186	23	to	to	PART
afbr-70	186	24	effectively	effectively	ADV
afbr-70	186	25	function	function	VERB
afbr-70	186	26	viable	viable	ADJ
afbr-70	186	27	financial	financial	ADJ
afbr-70	186	28	services	service	NOUN
afbr-70	186	29	should	should	AUX
afbr-70	186	30	be	be	AUX
afbr-70	186	31	establish	establish	VERB
afbr-70	186	32	and	and	CCONJ
afbr-70	186	33	expand	expand	VERB
afbr-70	186	34	the	the	DET
afbr-70	186	35	coverage	coverage	NOUN
afbr-70	186	36	in	in	ADP
afbr-70	186	37	addition	addition	NOUN
afbr-70	186	38	to	to	ADP
afbr-70	186	39	the	the	DET
afbr-70	186	40	scope	scope	NOUN
afbr-70	186	41	of	of	ADP
afbr-70	186	42	these	these	DET
afbr-70	186	43	institutions	institution	NOUN
afbr-70	186	44	across	across	ADP
afbr-70	186	45	rural	rural	ADJ
afbr-70	186	46	areas	area	NOUN
afbr-70	186	47	.	.	PUNCT
afbr-70	187	1	these	these	DET
afbr-70	187	2	services	service	NOUN
afbr-70	187	3	will	will	AUX
afbr-70	187	4	go	go	VERB
afbr-70	187	5	along	along	ADP
afbr-70	187	6	way	way	NOUN
afbr-70	187	7	in	in	ADP
afbr-70	187	8	influencing	influence	VERB
afbr-70	187	9	the	the	DET
afbr-70	187	10	small	small	ADJ
afbr-70	187	11	scale	scale	NOUN
afbr-70	187	12	business	business	NOUN
afbr-70	187	13	to	to	PART
afbr-70	187	14	mitigate	mitigate	VERB
afbr-70	187	15	poverty	poverty	NOUN
afbr-70	187	16	especially	especially	ADV
afbr-70	187	17	in	in	ADP
afbr-70	187	18	the	the	DET
afbr-70	187	19	northern	northern	ADJ
afbr-70	187	20	part	part	NOUN
afbr-70	187	21	of	of	ADP
afbr-70	187	22	the	the	DET
afbr-70	187	23	country	country	NOUN
afbr-70	187	24	(	(	PUNCT
afbr-70	187	25	ogujiuba	ogujiuba	PROPN
afbr-70	187	26	,	,	PUNCT
afbr-70	187	27	jumare	jumare	NOUN
afbr-70	187	28	&	&	CCONJ
afbr-70	187	29	stiegler	stiegler	NOUN
afbr-70	187	30	,	,	PUNCT
afbr-70	187	31	2013	2013	NUM
afbr-70	187	32	)	)	PUNCT
afbr-70	187	33	.	.	PUNCT
afbr-70	188	1	the	the	DET
afbr-70	188	2	efffective	efffective	ADJ
afbr-70	188	3	regulatory	regulatory	ADJ
afbr-70	188	4	control	control	NOUN
afbr-70	188	5	via	via	ADP
afbr-70	188	6	financial	financial	ADJ
afbr-70	188	7	control	control	NOUN
afbr-70	188	8	,	,	PUNCT
afbr-70	188	9	regularly	regularly	ADV
afbr-70	188	10	supervisor	supervisor	VERB
afbr-70	188	11	and	and	CCONJ
afbr-70	188	12	checks	check	NOUN
afbr-70	188	13	as	as	ADV
afbr-70	188	14	well	well	ADV
afbr-70	188	15	as	as	ADP
afbr-70	188	16	balances	balance	NOUN
afbr-70	188	17	to	to	PART
afbr-70	188	18	ensure	ensure	VERB
afbr-70	188	19	that	that	SCONJ
afbr-70	188	20	these	these	DET
afbr-70	188	21	institutions	institution	NOUN
afbr-70	188	22	operate	operate	VERB
afbr-70	188	23	within	within	ADP
afbr-70	188	24	the	the	DET
afbr-70	188	25	premise	premise	NOUN
afbr-70	188	26	of	of	ADP
afbr-70	188	27	the	the	DET
afbr-70	188	28	guidelines	guideline	NOUN
afbr-70	188	29	,	,	PUNCT
afbr-70	188	30	effective	effective	ADJ
afbr-70	188	31	,	,	PUNCT
afbr-70	188	32	efficient	efficient	ADJ
afbr-70	188	33	regulatory	regulatory	ADJ
afbr-70	188	34	and	and	CCONJ
afbr-70	188	35	supervisory	supervisory	ADJ
afbr-70	188	36	fron	fron	VERB
afbr-70	188	37	the	the	DET
afbr-70	188	38	central	central	ADJ
afbr-70	188	39	bank	bank	PROPN
afbr-70	188	40	of	of	ADP
afbr-70	188	41	nigeria	nigeria	PROPN
afbr-70	188	42	and	and	CCONJ
afbr-70	188	43	nigerian	nigerian	ADJ
afbr-70	188	44	deposit	deposit	NOUN
afbr-70	188	45	insurance	insurance	NOUN
afbr-70	188	46	corporation.futhermore	corporation.futhermore	NOUN
afbr-70	188	47	,	,	PUNCT
afbr-70	188	48	the	the	DET
afbr-70	188	49	roles	role	NOUN
afbr-70	188	50	of	of	ADP
afbr-70	188	51	government	government	NOUN
afbr-70	188	52	in	in	ADP
afbr-70	188	53	terms	term	NOUN
afbr-70	188	54	of	of	ADP
afbr-70	188	55	establishing	establish	VERB
afbr-70	188	56	good	good	ADJ
afbr-70	188	57	governance	governance	NOUN
afbr-70	188	58	practices	practice	NOUN
afbr-70	188	59	,	,	PUNCT
afbr-70	188	60	the	the	DET
afbr-70	188	61	poltical	poltical	ADJ
afbr-70	188	62	and	and	CCONJ
afbr-70	188	63	economic	economic	ADJ
afbr-70	188	64	environmental	environmental	ADJ
afbr-70	188	65	atmosphere	atmosphere	NOUN
afbr-70	188	66	shall	shall	AUX
afbr-70	188	67	boost	boost	AUX
afbr-70	188	68	mfis	mfi	VERB
afbr-70	188	69	especially	especially	ADV
afbr-70	188	70	via	via	ADP
afbr-70	188	71	inclusive	inclusive	ADJ
afbr-70	188	72	approach	approach	NOUN
afbr-70	188	73	such	such	ADJ
afbr-70	188	74	as	as	ADP
afbr-70	188	75	involvement	involvement	NOUN
afbr-70	188	76	other	other	ADJ
afbr-70	188	77	stakeholders	stakeholder	NOUN
afbr-70	188	78	in	in	ADP
afbr-70	188	79	its	its	PRON
afbr-70	188	80	administration(ikeanyibe	administration(ikeanyibe	PROPN
afbr-70	188	81	,	,	PUNCT
afbr-70	188	82	2009).capacity	2009).capacity	NUM
afbr-70	188	83	building	building	NOUN
afbr-70	188	84	programs	program	NOUN
afbr-70	188	85	and	and	CCONJ
afbr-70	188	86	proper	proper	ADJ
afbr-70	188	87	staffing	staffing	NOUN
afbr-70	188	88	were	be	AUX
afbr-70	188	89	applied	apply	VERB
afbr-70	188	90	bythe	bythe	ADP
afbr-70	188	91	stakeholders	stakeholder	NOUN
afbr-70	188	92	in	in	ADP
afbr-70	188	93	equiping	equip	VERB
afbr-70	188	94	the	the	DET
afbr-70	188	95	client	client	NOUN
afbr-70	188	96	alongside	alongside	ADP
afbr-70	188	97	skills	skill	NOUN
afbr-70	188	98	acquisition	acquisition	NOUN
afbr-70	188	99	,	,	PUNCT
afbr-70	188	100	capabilities	capability	NOUN
afbr-70	188	101	and	and	CCONJ
afbr-70	188	102	empowerment	empowerment	NOUN
afbr-70	188	103	services	service	NOUN
afbr-70	188	104	to	to	PART
afbr-70	188	105	benefit	benefit	VERB
afbr-70	188	106	from	from	ADP
afbr-70	188	107	the	the	DET
afbr-70	188	108	services	service	NOUN
afbr-70	188	109	offered	offer	VERB
afbr-70	188	110	by	by	ADP
afbr-70	188	111	mfis	mfis	PROPN
afbr-70	188	112	.	.	PUNCT
afbr-70	189	1	these	these	PRON
afbr-70	189	2	shall	shall	AUX
afbr-70	189	3	remedy	remedy	VERB
afbr-70	189	4	some	some	PRON
afbr-70	189	5	of	of	ADP
afbr-70	189	6	the	the	DET
afbr-70	189	7	challenges	challenge	NOUN
afbr-70	189	8	of	of	ADP
afbr-70	189	9	these	these	DET
afbr-70	189	10	organizations	organization	NOUN
afbr-70	189	11	in	in	ADP
afbr-70	189	12	poverty	poverty	NOUN
afbr-70	189	13	reduction	reduction	NOUN
afbr-70	189	14	.	.	PUNCT
afbr-70	190	1	again	again	ADV
afbr-70	190	2	human	human	ADJ
afbr-70	190	3	resources	resource	NOUN
afbr-70	190	4	management	management	NOUN
afbr-70	190	5	and	and	CCONJ
afbr-70	190	6	development	development	NOUN
afbr-70	190	7	were	be	AUX
afbr-70	190	8	proposed	propose	VERB
afbr-70	190	9	in	in	ADP
afbr-70	190	10	strengthening	strengthen	VERB
afbr-70	190	11	the	the	DET
afbr-70	190	12	manpower	manpower	NOUN
afbr-70	190	13	needed	need	VERB
afbr-70	190	14	in	in	ADP
afbr-70	190	15	the	the	DET
afbr-70	190	16	overal	overal	ADJ
afbr-70	190	17	achievement	achievement	NOUN
afbr-70	190	18	of	of	ADP
afbr-70	190	19	inter	inter	ADJ
afbr-70	190	20	and	and	CCONJ
afbr-70	190	21	intra	intra	ADJ
afbr-70	190	22	organizational	organizational	ADJ
afbr-70	190	23	productivity	productivity	NOUN
afbr-70	190	24	in	in	ADP
afbr-70	190	25	the	the	DET
afbr-70	190	26	areas	area	NOUN
afbr-70	190	27	of	of	ADP
afbr-70	190	28	staff	staff	NOUN
afbr-70	190	29	selection	selection	NOUN
afbr-70	190	30	,	,	PUNCT
afbr-70	190	31	training	training	NOUN
afbr-70	190	32	,	,	PUNCT
afbr-70	190	33	compensation	compensation	NOUN
afbr-70	190	34	and	and	CCONJ
afbr-70	190	35	addressing	address	VERB
afbr-70	190	36	the	the	DET
afbr-70	190	37	core	core	NOUN
afbr-70	190	38	areas	area	NOUN
afbr-70	190	39	of	of	ADP
afbr-70	190	40	poverty	poverty	NOUN
afbr-70	190	41	alleviation	alleviation	NOUN
afbr-70	190	42	,	,	PUNCT
afbr-70	190	43	unemployment	unemployment	NOUN
afbr-70	190	44	and	and	CCONJ
afbr-70	190	45	inequality	inequality	NOUN
afbr-70	190	46	(	(	PUNCT
afbr-70	190	47	ikeanyibe	ikeanyibe	ADJ
afbr-70	190	48	,	,	PUNCT
afbr-70	190	49	2009).provision	2009).provision	NUM
afbr-70	190	50	of	of	ADP
afbr-70	190	51	appropriate	appropriate	ADJ
afbr-70	190	52	business	business	NOUN
afbr-70	190	53	model	model	NOUN
afbr-70	190	54	;	;	PUNCT
afbr-70	190	55	strategies	strategy	NOUN
afbr-70	190	56	and	and	CCONJ
afbr-70	190	57	creation	creation	NOUN
afbr-70	190	58	of	of	ADP
afbr-70	190	59	awareness	awareness	NOUN
afbr-70	190	60	.	.	PUNCT
afbr-70	191	1	the	the	DET
afbr-70	191	2	provision	provision	NOUN
afbr-70	191	3	of	of	ADP
afbr-70	191	4	door	door	NOUN
afbr-70	191	5	to	to	PART
afbr-70	191	6	door	door	VERB
afbr-70	191	7	banking	banking	NOUN
afbr-70	191	8	marketing	marketing	NOUN
afbr-70	191	9	awareness	awareness	NOUN
afbr-70	191	10	,	,	PUNCT
afbr-70	191	11	establishment	establishment	NOUN
afbr-70	191	12	of	of	ADP
afbr-70	191	13	financial	financial	ADJ
afbr-70	191	14	literacy	literacy	NOUN
afbr-70	191	15	;	;	PUNCT
afbr-70	191	16	consumer	consumer	NOUN
afbr-70	191	17	protection	protection	NOUN
afbr-70	191	18	programs	program	NOUN
afbr-70	191	19	exploration	exploration	NOUN
afbr-70	191	20	of	of	ADP
afbr-70	191	21	micro	micro	ADJ
afbr-70	191	22	-	-	ADJ
afbr-70	191	23	finance	finance	ADJ
afbr-70	191	24	banking	banking	NOUN
afbr-70	191	25	policies	policy	NOUN
afbr-70	191	26	and	and	CCONJ
afbr-70	191	27	strategies	strategy	NOUN
afbr-70	191	28	for	for	ADP
afbr-70	191	29	poverty	poverty	NOUN
afbr-70	191	30	reduction	reduction	NOUN
afbr-70	191	31	in	in	ADP
afbr-70	191	32	nigeria	nigeria	PROPN
afbr-70	191	33	umar	umar	PROPN
afbr-70	191	34	farouk	farouk	PROPN
afbr-70	191	35	musa	musa	PROPN
afbr-70	191	36	and	and	CCONJ
afbr-70	191	37	inuwa	inuwa	VERB
afbr-70	191	38	baba	baba	PROPN
afbr-70	191	39	abubakar	abubakar	PROPN
afbr-70	191	40	11	11	NUM
afbr-70	191	41	and	and	CCONJ
afbr-70	191	42	provision	provision	NOUN
afbr-70	191	43	of	of	ADP
afbr-70	191	44	non	non	ADJ
afbr-70	191	45	-	-	ADJ
afbr-70	191	46	interest	interest	ADJ
afbr-70	191	47	banking	banking	NOUN
afbr-70	191	48	programs.studies	programs.studie	NOUN
afbr-70	191	49	in	in	ADP
afbr-70	191	50	india	india	PROPN
afbr-70	191	51	reveals	reveal	VERB
afbr-70	191	52	that	that	SCONJ
afbr-70	191	53	clients	client	NOUN
afbr-70	191	54	were	be	AUX
afbr-70	191	55	able	able	ADJ
afbr-70	191	56	to	to	PART
afbr-70	191	57	utilize	utilize	VERB
afbr-70	191	58	microfinance	microfinance	NOUN
afbr-70	191	59	products	product	NOUN
afbr-70	191	60	to	to	PART
afbr-70	191	61	increase	increase	VERB
afbr-70	191	62	their	their	PRON
afbr-70	191	63	income	income	NOUN
afbr-70	191	64	,	,	PUNCT
afbr-70	191	65	social	social	ADJ
afbr-70	191	66	welfare	welfare	NOUN
afbr-70	191	67	and	and	CCONJ
afbr-70	191	68	the	the	DET
afbr-70	191	69	microfinance	microfinance	NOUN
afbr-70	191	70	is	be	AUX
afbr-70	191	71	positively	positively	ADV
afbr-70	191	72	associated	associate	VERB
afbr-70	191	73	with	with	ADP
afbr-70	191	74	increased	increase	VERB
afbr-70	191	75	income	income	NOUN
afbr-70	191	76	and	and	CCONJ
afbr-70	191	77	asset	asset	NOUN
afbr-70	191	78	buildup	buildup	NOUN
afbr-70	191	79	.	.	PUNCT
afbr-70	192	1	microfinance	microfinance	NOUN
afbr-70	192	2	interventions	intervention	NOUN
afbr-70	192	3	are	be	AUX
afbr-70	192	4	well	well	ADV
afbr-70	192	5	-	-	PUNCT
afbr-70	192	6	recognized	recognize	VERB
afbr-70	192	7	world	world	NOUN
afbr-70	192	8	over	over	ADP
afbr-70	192	9	as	as	ADP
afbr-70	192	10	an	an	DET
afbr-70	192	11	effective	effective	ADJ
afbr-70	192	12	tool	tool	NOUN
afbr-70	192	13	for	for	ADP
afbr-70	192	14	poverty	poverty	NOUN
afbr-70	192	15	alleviation	alleviation	NOUN
afbr-70	192	16	and	and	CCONJ
afbr-70	192	17	improving	improve	VERB
afbr-70	192	18	socio	socio	NOUN
afbr-70	192	19	-	-	PUNCT
afbr-70	192	20	economic	economic	ADJ
afbr-70	192	21	status	status	NOUN
afbr-70	192	22	of	of	ADP
afbr-70	192	23	the	the	DET
afbr-70	192	24	rural	rural	ADJ
afbr-70	192	25	poor	poor	ADJ
afbr-70	192	26	.	.	PUNCT
afbr-70	193	1	previous	previous	ADJ
afbr-70	193	2	study	study	NOUN
afbr-70	193	3	exposed	expose	VERB
afbr-70	193	4	that	that	SCONJ
afbr-70	193	5	for	for	SCONJ
afbr-70	193	6	mfis	mfis	NOUN
afbr-70	193	7	to	to	PART
afbr-70	193	8	effectively	effectively	ADV
afbr-70	193	9	function	function	VERB
afbr-70	193	10	and	and	CCONJ
afbr-70	193	11	mitigate	mitigate	VERB
afbr-70	193	12	poverty	poverty	NOUN
afbr-70	193	13	,	,	PUNCT
afbr-70	193	14	visionary	visionary	ADJ
afbr-70	193	15	,	,	PUNCT
afbr-70	193	16	transformational	transformational	ADJ
afbr-70	193	17	and	and	CCONJ
afbr-70	193	18	goal	goal	NOUN
afbr-70	193	19	driven	drive	VERB
afbr-70	193	20	leadership	leadership	NOUN
afbr-70	193	21	style	style	NOUN
afbr-70	193	22	is	be	AUX
afbr-70	193	23	a	a	DET
afbr-70	193	24	prerequiste	prerequiste	NOUN
afbr-70	193	25	.	.	PUNCT
afbr-70	194	1	a	a	DET
afbr-70	194	2	statemanship	statemanship	NOUN
afbr-70	194	3	that	that	PRON
afbr-70	194	4	will	will	AUX
afbr-70	194	5	be	be	AUX
afbr-70	194	6	result	result	VERB
afbr-70	194	7	oriented	orient	VERB
afbr-70	194	8	and	and	CCONJ
afbr-70	194	9	ensure	ensure	VERB
afbr-70	194	10	effective	effective	ADJ
afbr-70	194	11	public	public	ADJ
afbr-70	194	12	services	service	NOUN
afbr-70	194	13	to	to	ADP
afbr-70	194	14	these	these	DET
afbr-70	194	15	organiztions	organiztion	NOUN
afbr-70	194	16	.	.	PUNCT
afbr-70	195	1	the	the	DET
afbr-70	195	2	study	study	NOUN
afbr-70	195	3	additional	additional	ADJ
afbr-70	195	4	indicated	indicate	VERB
afbr-70	195	5	that	that	SCONJ
afbr-70	195	6	creativity	creativity	NOUN
afbr-70	195	7	,	,	PUNCT
afbr-70	195	8	innovative	innovative	ADJ
afbr-70	195	9	,	,	PUNCT
afbr-70	195	10	transparent	transparent	ADJ
afbr-70	195	11	,	,	PUNCT
afbr-70	195	12	futuristic	futuristic	ADJ
afbr-70	195	13	leadership	leadership	NOUN
afbr-70	195	14	qualities	quality	NOUN
afbr-70	195	15	and	and	CCONJ
afbr-70	195	16	inundating	inundate	VERB
afbr-70	195	17	on	on	ADP
afbr-70	195	18	all	all	DET
afbr-70	195	19	the	the	DET
afbr-70	195	20	policies	policy	NOUN
afbr-70	195	21	and	and	CCONJ
afbr-70	195	22	programs	program	NOUN
afbr-70	195	23	is	be	AUX
afbr-70	195	24	highly	highly	ADV
afbr-70	195	25	required	require	VERB
afbr-70	195	26	for	for	ADP
afbr-70	195	27	microfinancial	microfinancial	ADJ
afbr-70	195	28	institutions	institution	NOUN
afbr-70	195	29	in	in	ADP
afbr-70	195	30	nigeria	nigeria	PROPN
afbr-70	195	31	to	to	PART
afbr-70	195	32	address	address	VERB
afbr-70	195	33	the	the	DET
afbr-70	195	34	phenomenon	phenomenon	NOUN
afbr-70	195	35	of	of	ADP
afbr-70	195	36	poverty	poverty	NOUN
afbr-70	195	37	(	(	PUNCT
afbr-70	195	38	ezeanata	ezeanata	PROPN
afbr-70	195	39	walter	walter	PROPN
afbr-70	195	40	,	,	PUNCT
afbr-70	195	41	&	&	CCONJ
afbr-70	195	42	parimoo	parimoo	ADJ
afbr-70	195	43	,	,	PUNCT
afbr-70	195	44	2016	2016	NUM
afbr-70	195	45	)	)	PUNCT
afbr-70	195	46	.	.	PUNCT
afbr-70	196	1	6	6	X
afbr-70	196	2	.	.	X
afbr-70	196	3	recommendation	recommendation	VERB
afbr-70	196	4	the	the	DET
afbr-70	196	5	study	study	NOUN
afbr-70	196	6	recommended	recommend	VERB
afbr-70	196	7	for	for	ADP
afbr-70	196	8	an	an	DET
afbr-70	196	9	establishment	establishment	NOUN
afbr-70	196	10	of	of	ADP
afbr-70	196	11	islamic	islamic	ADJ
afbr-70	196	12	microfinance	microfinance	NOUN
afbr-70	196	13	and	and	CCONJ
afbr-70	196	14	takful	takful	ADJ
afbr-70	196	15	insurance	insurance	NOUN
afbr-70	196	16	programs	program	NOUN
afbr-70	196	17	to	to	PART
afbr-70	196	18	avail	avail	VERB
afbr-70	196	19	the	the	DET
afbr-70	196	20	poor	poor	ADJ
afbr-70	196	21	and	and	CCONJ
afbr-70	196	22	potential	potential	ADJ
afbr-70	196	23	customers	customer	NOUN
afbr-70	196	24	the	the	DET
afbr-70	196	25	opportunity	opportunity	NOUN
afbr-70	196	26	to	to	PART
afbr-70	196	27	access	access	VERB
afbr-70	196	28	interest	interest	NOUN
afbr-70	196	29	free	free	ADJ
afbr-70	196	30	loan	loan	NOUN
afbr-70	196	31	and	and	CCONJ
afbr-70	196	32	business	business	NOUN
afbr-70	196	33	coverage	coverage	NOUN
afbr-70	196	34	in	in	ADP
afbr-70	196	35	case	case	NOUN
afbr-70	196	36	of	of	ADP
afbr-70	196	37	lost	lose	VERB
afbr-70	196	38	.	.	PUNCT
afbr-70	197	1	the	the	DET
afbr-70	197	2	need	need	NOUN
afbr-70	197	3	for	for	ADP
afbr-70	197	4	microfinance	microfinance	NOUN
afbr-70	197	5	banks	bank	NOUN
afbr-70	197	6	especially	especially	ADV
afbr-70	197	7	those	those	PRON
afbr-70	197	8	operating	operate	VERB
afbr-70	197	9	in	in	ADP
afbr-70	197	10	the	the	DET
afbr-70	197	11	northern	northern	ADJ
afbr-70	197	12	part	part	NOUN
afbr-70	197	13	of	of	ADP
afbr-70	197	14	the	the	DET
afbr-70	197	15	country	country	NOUN
afbr-70	197	16	to	to	PART
afbr-70	197	17	be	be	AUX
afbr-70	197	18	proactive	proactive	ADJ
afbr-70	197	19	in	in	SCONJ
afbr-70	197	20	product	product	NOUN
afbr-70	197	21	development	development	NOUN
afbr-70	197	22	became	become	VERB
afbr-70	197	23	imperative	imperative	ADJ
afbr-70	197	24	.	.	PUNCT
afbr-70	198	1	since	since	SCONJ
afbr-70	198	2	the	the	DET
afbr-70	198	3	religious	religious	ADJ
afbr-70	198	4	precepts	precept	NOUN
afbr-70	198	5	of	of	ADP
afbr-70	198	6	the	the	DET
afbr-70	198	7	people	people	NOUN
afbr-70	198	8	in	in	ADP
afbr-70	198	9	north	north	NOUN
afbr-70	198	10	make	make	VERB
afbr-70	198	11	them	they	PRON
afbr-70	198	12	abhor	abhor	VERB
afbr-70	198	13	interest	interest	NOUN
afbr-70	198	14	on	on	ADP
afbr-70	198	15	loans	loan	NOUN
afbr-70	198	16	and	and	CCONJ
afbr-70	198	17	lending	lend	VERB
afbr-70	198	18	schemes.provision	schemes.provision	PROPN
afbr-70	198	19	of	of	ADP
afbr-70	198	20	infrastructural	infrastructural	ADJ
afbr-70	198	21	facilities	facility	NOUN
afbr-70	198	22	such	such	ADJ
afbr-70	198	23	as	as	ADP
afbr-70	198	24	good	good	ADJ
afbr-70	198	25	road	road	NOUN
afbr-70	198	26	network	network	NOUN
afbr-70	198	27	,	,	PUNCT
afbr-70	198	28	electricity	electricity	NOUN
afbr-70	198	29	,	,	PUNCT
afbr-70	198	30	and	and	CCONJ
afbr-70	198	31	security	security	NOUN
afbr-70	198	32	across	across	ADP
afbr-70	198	33	the	the	DET
afbr-70	198	34	towns	town	NOUN
afbr-70	198	35	as	as	ADV
afbr-70	198	36	well	well	ADV
afbr-70	198	37	as	as	ADP
afbr-70	198	38	villages	village	NOUN
afbr-70	198	39	to	to	PART
afbr-70	198	40	increase	increase	VERB
afbr-70	198	41	the	the	DET
afbr-70	198	42	output	output	NOUN
afbr-70	198	43	of	of	ADP
afbr-70	198	44	micro	micro	PROPN
afbr-70	198	45	entrepreneurs	entrepreneur	NOUN
afbr-70	198	46	.	.	PUNCT
afbr-70	199	1	special	special	ADJ
afbr-70	199	2	attention	attention	NOUN
afbr-70	199	3	should	should	AUX
afbr-70	199	4	be	be	AUX
afbr-70	199	5	given	give	VERB
afbr-70	199	6	to	to	ADP
afbr-70	199	7	power	power	NOUN
afbr-70	199	8	supply	supply	NOUN
afbr-70	199	9	as	as	SCONJ
afbr-70	199	10	this	this	PRON
afbr-70	199	11	constitutes	constitute	VERB
afbr-70	199	12	a	a	DET
afbr-70	199	13	major	major	ADJ
afbr-70	199	14	cost	cost	NOUN
afbr-70	199	15	to	to	PART
afbr-70	199	16	microfinance	microfinance	VERB
afbr-70	199	17	banks	bank	NOUN
afbr-70	199	18	in	in	ADP
afbr-70	199	19	the	the	DET
afbr-70	199	20	country	country	NOUN
afbr-70	199	21	.	.	PUNCT
afbr-70	200	1	microfinance	microfinance	NOUN
afbr-70	200	2	policies	policy	NOUN
afbr-70	200	3	;	;	PUNCT
afbr-70	200	4	programs	program	NOUN
afbr-70	200	5	should	should	AUX
afbr-70	200	6	further	far	ADV
afbr-70	200	7	be	be	AUX
afbr-70	200	8	publicized	publicize	VERB
afbr-70	200	9	and	and	CCONJ
afbr-70	200	10	advertised	advertise	VERB
afbr-70	200	11	via	via	ADP
afbr-70	200	12	the	the	DET
afbr-70	200	13	media	medium	NOUN
afbr-70	200	14	so	so	SCONJ
afbr-70	200	15	that	that	SCONJ
afbr-70	200	16	the	the	DET
afbr-70	200	17	poor	poor	ADJ
afbr-70	200	18	will	will	AUX
afbr-70	200	19	be	be	AUX
afbr-70	200	20	aware	aware	ADJ
afbr-70	200	21	of	of	ADP
afbr-70	200	22	the	the	DET
afbr-70	200	23	services	service	NOUN
afbr-70	200	24	of	of	ADP
afbr-70	200	25	these	these	DET
afbr-70	200	26	institutions	institution	NOUN
afbr-70	200	27	to	to	PART
afbr-70	200	28	access	access	VERB
afbr-70	200	29	financial	financial	ADJ
afbr-70	200	30	awareness	awareness	NOUN
afbr-70	200	31	to	to	PART
afbr-70	200	32	expand	expand	VERB
afbr-70	200	33	their	their	PRON
afbr-70	200	34	businesses.the	businesses.the	DET
afbr-70	200	35	provision	provision	NOUN
afbr-70	200	36	of	of	ADP
afbr-70	200	37	capacity	capacity	NOUN
afbr-70	200	38	building	building	NOUN
afbr-70	200	39	for	for	ADP
afbr-70	200	40	the	the	DET
afbr-70	200	41	staff	staff	NOUN
afbr-70	200	42	and	and	CCONJ
afbr-70	200	43	customers	customer	NOUN
afbr-70	200	44	of	of	ADP
afbr-70	200	45	these	these	DET
afbr-70	200	46	microfinancial	microfinancial	ADJ
afbr-70	200	47	institutions	institution	NOUN
afbr-70	200	48	to	to	PART
afbr-70	200	49	ensure	ensure	VERB
afbr-70	200	50	service	service	NOUN
afbr-70	200	51	delivery	delivery	NOUN
afbr-70	200	52	and	and	CCONJ
afbr-70	200	53	provision	provision	NOUN
afbr-70	200	54	of	of	ADP
afbr-70	200	55	appropriate	appropriate	ADJ
afbr-70	200	56	business	business	NOUN
afbr-70	200	57	model	model	NOUN
afbr-70	200	58	to	to	PART
afbr-70	200	59	reduce	reduce	VERB
afbr-70	200	60	the	the	DET
afbr-70	200	61	poverty	poverty	NOUN
afbr-70	200	62	level	level	NOUN
afbr-70	200	63	in	in	ADP
afbr-70	200	64	the	the	DET
afbr-70	200	65	northern	northern	ADJ
afbr-70	200	66	region	region	NOUN
afbr-70	200	67	of	of	ADP
afbr-70	200	68	nigeria.review	nigeria.review	PROPN
afbr-70	200	69	of	of	ADP
afbr-70	200	70	the	the	DET
afbr-70	200	71	policies	policy	NOUN
afbr-70	200	72	in	in	ADP
afbr-70	200	73	the	the	DET
afbr-70	200	74	areas	area	NOUN
afbr-70	200	75	of	of	ADP
afbr-70	200	76	licensing	licensing	NOUN
afbr-70	200	77	and	and	CCONJ
afbr-70	200	78	ownership	ownership	NOUN
afbr-70	200	79	;	;	PUNCT
afbr-70	200	80	capital	capital	NOUN
afbr-70	200	81	requirementsand	requirementsand	NOUN
afbr-70	200	82	recapitalization	recapitalization	NOUN
afbr-70	200	83	.	.	PUNCT
afbr-70	201	1	these	these	DET
afbr-70	201	2	institutions	institution	NOUN
afbr-70	201	3	required	require	VERB
afbr-70	201	4	adequate	adequate	ADJ
afbr-70	201	5	capital	capital	NOUN
afbr-70	201	6	in	in	ADP
afbr-70	201	7	order	order	NOUN
afbr-70	201	8	to	to	PART
afbr-70	201	9	increase	increase	VERB
afbr-70	201	10	accessibility	accessibility	NOUN
afbr-70	201	11	of	of	ADP
afbr-70	201	12	the	the	DET
afbr-70	201	13	funds	fund	NOUN
afbr-70	201	14	by	by	ADP
afbr-70	201	15	the	the	DET
afbr-70	201	16	small	small	ADJ
afbr-70	201	17	scale	scale	NOUN
afbr-70	201	18	business	business	NOUN
afbr-70	201	19	and	and	CCONJ
afbr-70	201	20	the	the	DET
afbr-70	201	21	poor	poor	ADJ
afbr-70	201	22	respectively	respectively	ADV
afbr-70	201	23	.	.	PUNCT
afbr-70	202	1	7	7	X
afbr-70	202	2	.	.	X
afbr-70	202	3	conclusion	conclusion	NOUN
afbr-70	202	4	thestudy	thestudy	PROPN
afbr-70	202	5	concluded	conclude	VERB
afbr-70	202	6	that	that	SCONJ
afbr-70	202	7	the	the	DET
afbr-70	202	8	results	result	NOUN
afbr-70	202	9	exposed	expose	VERB
afbr-70	202	10	that	that	SCONJ
afbr-70	202	11	mfis	mfis	PROPN
afbr-70	202	12	were	be	AUX
afbr-70	202	13	classified	classify	VERB
afbr-70	202	14	into	into	ADP
afbr-70	202	15	formal	formal	ADJ
afbr-70	202	16	,	,	PUNCT
afbr-70	202	17	informal	informal	ADJ
afbr-70	202	18	,	,	PUNCT
afbr-70	202	19	development	development	NOUN
afbr-70	202	20	and	and	CCONJ
afbr-70	202	21	mortgage	mortgage	NOUN
afbr-70	202	22	outlook	outlook	NOUN
afbr-70	202	23	.	.	PUNCT
afbr-70	203	1	other	other	ADJ
afbr-70	203	2	types	type	NOUN
afbr-70	203	3	explored	explore	VERB
afbr-70	203	4	consist	consist	NOUN
afbr-70	203	5	of	of	ADP
afbr-70	203	6	community	community	NOUN
afbr-70	203	7	banks	bank	NOUN
afbr-70	203	8	,	,	PUNCT
afbr-70	203	9	public	public	ADJ
afbr-70	203	10	or	or	CCONJ
afbr-70	203	11	government	government	NOUN
afbr-70	203	12	owned	own	VERB
afbr-70	203	13	;	;	PUNCT
afbr-70	203	14	private	private	ADJ
afbr-70	203	15	,	,	PUNCT
afbr-70	203	16	foreign	foreign	ADJ
afbr-70	203	17	microfinance	microfinance	NOUN
afbr-70	203	18	and	and	CCONJ
afbr-70	203	19	islamic	islamic	ADJ
afbr-70	203	20	microfinancial	microfinancial	NOUN
afbr-70	203	21	institutions.we	institutions.we	PROPN
afbr-70	203	22	have	have	AUX
afbr-70	203	23	discovered	discover	VERB
afbr-70	203	24	some	some	DET
afbr-70	203	25	policies	policy	NOUN
afbr-70	203	26	such	such	ADJ
afbr-70	203	27	as	as	ADP
afbr-70	203	28	paid	pay	VERB
afbr-70	203	29	-	-	PUNCT
afbr-70	203	30	up	up	ADP
afbr-70	203	31	capital	capital	NOUN
afbr-70	203	32	requirements	requirement	NOUN
afbr-70	203	33	,	,	PUNCT
afbr-70	203	34	the	the	DET
afbr-70	203	35	permissible	permissible	ADJ
afbr-70	203	36	and	and	CCONJ
afbr-70	203	37	acceptance	acceptance	NOUN
afbr-70	203	38	of	of	ADP
afbr-70	203	39	several	several	ADJ
afbr-70	203	40	types	type	NOUN
afbr-70	203	41	of	of	ADP
afbr-70	203	42	deposits	deposit	NOUN
afbr-70	203	43	including	include	VERB
afbr-70	203	44	savings	saving	NOUN
afbr-70	203	45	,	,	PUNCT
afbr-70	203	46	time	time	NOUN
afbr-70	203	47	,	,	PUNCT
afbr-70	203	48	and	and	CCONJ
afbr-70	203	49	target	target	VERB
afbr-70	203	50	from	from	ADP
afbr-70	203	51	individuals	individual	NOUN
afbr-70	203	52	,	,	PUNCT
afbr-70	203	53	groups	group	NOUN
afbr-70	203	54	and	and	CCONJ
afbr-70	203	55	associations	association	NOUN
afbr-70	203	56	.	.	PUNCT
afbr-70	204	1	the	the	DET
afbr-70	204	2	non	non	ADJ
afbr-70	204	3	-	-	ADJ
afbr-70	204	4	permissible	permissible	ADJ
afbr-70	204	5	activities	activity	NOUN
afbr-70	204	6	are	be	AUX
afbr-70	204	7	prohibited	prohibit	VERB
afbr-70	204	8	from	from	ADP
afbr-70	204	9	engaging	engage	VERB
afbr-70	204	10	into	into	ADP
afbr-70	204	11	foreign	foreign	ADJ
afbr-70	204	12	exchange	exchange	NOUN
afbr-70	204	13	transactions	transaction	NOUN
afbr-70	204	14	,	,	PUNCT
afbr-70	204	15	international	international	ADJ
afbr-70	204	16	commercial	commercial	ADJ
afbr-70	204	17	papers	paper	NOUN
afbr-70	204	18	.	.	PUNCT
afbr-70	205	1	international	international	ADJ
afbr-70	205	2	corporate	corporate	ADJ
afbr-70	205	3	finance	finance	NOUN
afbr-70	205	4	;	;	PUNCT
afbr-70	205	5	international	international	ADJ
afbr-70	205	6	electronic	electronic	ADJ
afbr-70	205	7	funds	fund	NOUN
afbr-70	205	8	transfer	transfer	VERB
afbr-70	205	9	and	and	CCONJ
afbr-70	205	10	clearing	clear	VERB
afbr-70	205	11	house	house	NOUN
afbr-70	205	12	activities	activity	NOUN
afbr-70	205	13	respectively.the	respectively.the	DET
afbr-70	205	14	study	study	NOUN
afbr-70	205	15	also	also	ADV
afbr-70	205	16	discovered	discover	VERB
afbr-70	205	17	lack	lack	NOUN
afbr-70	205	18	of	of	ADP
afbr-70	205	19	access	access	NOUN
afbr-70	205	20	to	to	ADP
afbr-70	205	21	electricity	electricity	NOUN
afbr-70	205	22	supply	supply	NOUN
afbr-70	205	23	;	;	PUNCT
afbr-70	205	24	inadequate	inadequate	ADJ
afbr-70	205	25	supervision	supervision	NOUN
afbr-70	205	26	and	and	CCONJ
afbr-70	205	27	loan	loan	NOUN
afbr-70	205	28	defaults	default	NOUN
afbr-70	205	29	.	.	PUNCT
afbr-70	206	1	unsustainable	unsustainable	ADJ
afbr-70	206	2	intervention	intervention	NOUN
afbr-70	206	3	programs	program	NOUN
afbr-70	206	4	;	;	PUNCT
afbr-70	206	5	insufficient	insufficient	ADJ
afbr-70	206	6	cheap	cheap	ADJ
afbr-70	206	7	funds	fund	NOUN
afbr-70	206	8	;	;	PUNCT
afbr-70	206	9	low	low	ADJ
afbr-70	206	10	public	public	ADJ
afbr-70	206	11	awareness	awareness	NOUN
afbr-70	206	12	and	and	CCONJ
afbr-70	206	13	poor	poor	ADJ
afbr-70	206	14	regulatory	regulatory	ADJ
afbr-70	206	15	enforcement	enforcement	NOUN
afbr-70	206	16	;	;	PUNCT
afbr-70	206	17	poor	poor	ADJ
afbr-70	206	18	communication	communication	NOUN
afbr-70	206	19	and	and	CCONJ
afbr-70	206	20	lack	lack	NOUN
afbr-70	206	21	of	of	ADP
afbr-70	206	22	banking	banking	NOUN
afbr-70	206	23	experience	experience	NOUN
afbr-70	206	24	among	among	ADP
afbr-70	206	25	poor	poor	ADJ
afbr-70	206	26	and	and	CCONJ
afbr-70	206	27	low	low	ADJ
afbr-70	206	28	-	-	PUNCT
afbr-70	206	29	income	income	NOUN
afbr-70	206	30	earners	earner	NOUN
afbr-70	206	31	;	;	PUNCT
afbr-70	206	32	high	high	ADJ
afbr-70	206	33	operating	operating	NOUN
afbr-70	206	34	cost	cost	NOUN
afbr-70	206	35	;	;	PUNCT
afbr-70	206	36	low	low	ADJ
afbr-70	206	37	literacy	literacy	NOUN
afbr-70	206	38	rate	rate	NOUN
afbr-70	206	39	among	among	ADP
afbr-70	206	40	the	the	DET
afbr-70	206	41	population	population	NOUN
afbr-70	206	42	;	;	PUNCT
afbr-70	206	43	insufficient	insufficient	ADJ
afbr-70	206	44	donor	donor	NOUN
afbr-70	206	45	funding	funding	NOUN
afbr-70	206	46	,	,	PUNCT
afbr-70	206	47	loan	loan	NOUN
afbr-70	206	48	and	and	CCONJ
afbr-70	206	49	equity	equity	NOUN
afbr-70	206	50	.	.	PUNCT
afbr-70	206	51	limited	limit	VERB
afbr-70	206	52	standardized	standardized	ADJ
afbr-70	206	53	reporting	reporting	NOUN
afbr-70	206	54	and	and	CCONJ
afbr-70	206	55	performance	performance	NOUN
afbr-70	206	56	monitoring	monitor	VERB
afbr-70	206	57	system.the	system.the	DET
afbr-70	206	58	informants	informant	NOUN
afbr-70	206	59	suggested	suggest	VERB
afbr-70	206	60	for	for	ADP
afbr-70	206	61	efffective	efffective	ADJ
afbr-70	206	62	regulatory	regulatory	ADJ
afbr-70	206	63	control	control	NOUN
afbr-70	206	64	via	via	ADP
afbr-70	206	65	financial	financial	ADJ
afbr-70	206	66	control	control	NOUN
afbr-70	206	67	,	,	PUNCT
afbr-70	206	68	regular	regular	ADJ
afbr-70	206	69	supervisor	supervisor	NOUN
afbr-70	206	70	;	;	PUNCT
afbr-70	206	71	checks	check	NOUN
afbr-70	206	72	and	and	CCONJ
afbr-70	206	73	balances.capacity	balances.capacity	NOUN
afbr-70	206	74	building	building	NOUN
afbr-70	206	75	programs	program	NOUN
afbr-70	206	76	for	for	ADP
afbr-70	206	77	the	the	DET
afbr-70	206	78	poor	poor	ADJ
afbr-70	206	79	and	and	CCONJ
afbr-70	206	80	staff	staff	NOUN
afbr-70	206	81	developmentwere	developmentwere	ADJ
afbr-70	206	82	recommededappropriate	recommededappropriate	NOUN
afbr-70	206	83	business	business	NOUN
afbr-70	206	84	model	model	NOUN
afbr-70	206	85	;	;	PUNCT
afbr-70	206	86	awarenesscampaign	awarenesscampaign	ADJ
afbr-70	206	87	among	among	ADP
afbr-70	206	88	others	other	NOUN
afbr-70	206	89	.	.	PUNCT
afbr-70	207	1	the	the	DET
afbr-70	207	2	provision	provision	NOUN
afbr-70	207	3	of	of	ADP
afbr-70	207	4	door	door	NOUN
afbr-70	207	5	to	to	PART
afbr-70	207	6	door	door	VERB
afbr-70	207	7	banking	banking	NOUN
afbr-70	207	8	marketing	marketing	NOUN
afbr-70	207	9	awareness	awareness	NOUN
afbr-70	207	10	,	,	PUNCT
afbr-70	207	11	establishment	establishment	NOUN
afbr-70	207	12	of	of	ADP
afbr-70	207	13	financial	financial	ADJ
afbr-70	207	14	literacy	literacy	NOUN
afbr-70	207	15	;	;	PUNCT
afbr-70	207	16	consumer	consumer	NOUN
afbr-70	207	17	protection	protection	NOUN
afbr-70	207	18	programs	program	NOUN
afbr-70	207	19	and	and	CCONJ
afbr-70	207	20	provision	provision	NOUN
afbr-70	207	21	exploration	exploration	NOUN
afbr-70	207	22	of	of	ADP
afbr-70	207	23	micro	micro	ADJ
afbr-70	207	24	-	-	ADJ
afbr-70	207	25	finance	finance	ADJ
afbr-70	207	26	banking	banking	NOUN
afbr-70	207	27	policies	policy	NOUN
afbr-70	207	28	and	and	CCONJ
afbr-70	207	29	strategies	strategy	NOUN
afbr-70	207	30	for	for	ADP
afbr-70	207	31	poverty	poverty	NOUN
afbr-70	207	32	reduction	reduction	NOUN
afbr-70	207	33	in	in	ADP
afbr-70	207	34	nigeria	nigeria	PROPN
afbr-70	207	35	umar	umar	PROPN
afbr-70	207	36	farouk	farouk	PROPN
afbr-70	207	37	musa	musa	PROPN
afbr-70	207	38	and	and	CCONJ
afbr-70	207	39	inuwa	inuwa	PROPN
afbr-70	207	40	baba	baba	PROPN
afbr-70	207	41	abubakar	abubakar	PROPN
afbr-70	207	42	12	12	NUM
afbr-70	207	43	of	of	ADP
afbr-70	207	44	non	non	ADJ
afbr-70	207	45	-	-	ADJ
afbr-70	207	46	interest	interest	ADJ
afbr-70	207	47	banking	banking	NOUN
afbr-70	207	48	programs	program	NOUN
afbr-70	207	49	were	be	AUX
afbr-70	207	50	advocated	advocate	VERB
afbr-70	207	51	to	to	PART
afbr-70	207	52	revamp	revamp	VERB
afbr-70	207	53	the	the	DET
afbr-70	207	54	ills	ill	NOUN
afbr-70	207	55	of	of	ADP
afbr-70	207	56	mfis	mfis	NOUN
afbr-70	207	57	on	on	ADP
afbr-70	207	58	poverty	poverty	NOUN
afbr-70	207	59	reduction	reduction	NOUN
afbr-70	207	60	and	and	CCONJ
afbr-70	207	61	empowerment	empowerment	NOUN
afbr-70	207	62	.	.	PUNCT
afbr-70	208	1	practically	practically	ADV
afbr-70	208	2	,	,	PUNCT
afbr-70	208	3	the	the	DET
afbr-70	208	4	study	study	NOUN
afbr-70	208	5	will	will	AUX
afbr-70	208	6	encourage	encourage	VERB
afbr-70	208	7	policy	policy	NOUN
afbr-70	208	8	makers	maker	NOUN
afbr-70	208	9	to	to	PART
afbr-70	208	10	redifined	redifine	VERB
afbr-70	208	11	the	the	DET
afbr-70	208	12	policies	policy	NOUN
afbr-70	208	13	on	on	ADP
afbr-70	208	14	mfis	mfis	NOUN
afbr-70	208	15	in	in	ADP
afbr-70	208	16	the	the	DET
afbr-70	208	17	quest	quest	NOUN
afbr-70	208	18	to	to	PART
afbr-70	208	19	mitigate	mitigate	VERB
afbr-70	208	20	poverty	poverty	NOUN
afbr-70	208	21	in	in	ADP
afbr-70	208	22	the	the	DET
afbr-70	208	23	nigeria	nigeria	PROPN
afbr-70	208	24	context.methodologically	context.methodologically	ADV
afbr-70	208	25	,	,	PUNCT
afbr-70	208	26	the	the	DET
afbr-70	208	27	use	use	NOUN
afbr-70	208	28	of	of	ADP
afbr-70	208	29	qualitative	qualitative	ADJ
afbr-70	208	30	paradigm	paradigm	NOUN
afbr-70	208	31	on	on	ADP
afbr-70	208	32	mfis	mfis	PROPN
afbr-70	208	33	was	be	AUX
afbr-70	208	34	applied	apply	VERB
afbr-70	208	35	which	which	PRON
afbr-70	208	36	explored	explore	VERB
afbr-70	208	37	the	the	DET
afbr-70	208	38	perceptions	perception	NOUN
afbr-70	208	39	of	of	ADP
afbr-70	208	40	the	the	DET
afbr-70	208	41	interviewees	interviewee	NOUN
afbr-70	208	42	on	on	ADP
afbr-70	208	43	the	the	DET
afbr-70	208	44	strategic	strategic	ADJ
afbr-70	208	45	policies	policy	NOUN
afbr-70	208	46	to	to	PART
afbr-70	208	47	empower	empower	VERB
afbr-70	208	48	the	the	DET
afbr-70	208	49	poor	poor	ADJ
afbr-70	208	50	and	and	CCONJ
afbr-70	208	51	small	small	ADJ
afbr-70	208	52	scale	scale	NOUN
afbr-70	208	53	businesses	business	NOUN
afbr-70	208	54	and	and	CCONJ
afbr-70	208	55	farmers	farmer	NOUN
afbr-70	208	56	respectively	respectively	ADV
afbr-70	208	57	.	.	PUNCT
afbr-70	209	1	however	however	ADV
afbr-70	209	2	,	,	PUNCT
afbr-70	209	3	the	the	DET
afbr-70	209	4	limitations	limitation	NOUN
afbr-70	209	5	of	of	ADP
afbr-70	209	6	this	this	DET
afbr-70	209	7	study	study	NOUN
afbr-70	209	8	comprises	comprise	NOUN
afbr-70	209	9	of	of	ADP
afbr-70	209	10	the	the	DET
afbr-70	209	11	application	application	NOUN
afbr-70	209	12	of	of	ADP
afbr-70	209	13	nonprobability	nonprobability	NOUN
afbr-70	209	14	sampling	sampling	NOUN
afbr-70	209	15	technique	technique	NOUN
afbr-70	209	16	and	and	CCONJ
afbr-70	209	17	selection	selection	NOUN
afbr-70	209	18	of	of	ADP
afbr-70	209	19	few	few	ADJ
afbr-70	209	20	states	state	NOUN
afbr-70	209	21	from	from	ADP
afbr-70	209	22	the	the	DET
afbr-70	209	23	nineteen	nineteen	NUM
afbr-70	209	24	states	state	NOUN
afbr-70	209	25	in	in	ADP
afbr-70	209	26	northern	northern	PROPN
afbr-70	209	27	nigeria	nigeria	PROPN
afbr-70	209	28	.	.	PUNCT
afbr-70	210	1	in	in	ADP
afbr-70	210	2	order	order	NOUN
afbr-70	210	3	to	to	PART
afbr-70	210	4	overcome	overcome	VERB
afbr-70	210	5	these	these	DET
afbr-70	210	6	limitations	limitation	NOUN
afbr-70	210	7	future	future	ADJ
afbr-70	210	8	study	study	NOUN
afbr-70	210	9	should	should	AUX
afbr-70	210	10	apply	apply	VERB
afbr-70	210	11	quantitative	quantitative	ADJ
afbr-70	210	12	design	design	NOUN
afbr-70	210	13	to	to	PART
afbr-70	210	14	achieve	achieve	VERB
afbr-70	210	15	generalizability	generalizability	NOUN
afbr-70	210	16	;	;	PUNCT
afbr-70	210	17	covering	cover	VERB
afbr-70	210	18	all	all	DET
afbr-70	210	19	the	the	DET
afbr-70	210	20	northern	northern	ADJ
afbr-70	210	21	part	part	NOUN
afbr-70	210	22	of	of	ADP
afbr-70	210	23	the	the	DET
afbr-70	210	24	country	country	NOUN
afbr-70	210	25	and	and	CCONJ
afbr-70	210	26	a	a	DET
afbr-70	210	27	mixed	mixed	ADJ
afbr-70	210	28	method	method	NOUN
afbr-70	210	29	research	research	NOUN
afbr-70	210	30	is	be	AUX
afbr-70	210	31	again	again	ADV
afbr-70	210	32	recommmeded	recommmede	VERB
afbr-70	210	33	to	to	PART
afbr-70	210	34	overcome	overcome	VERB
afbr-70	210	35	the	the	DET
afbr-70	210	36	apparent	apparent	ADJ
afbr-70	210	37	weaknesses	weakness	NOUN
afbr-70	210	38	of	of	ADP
afbr-70	210	39	this	this	DET
afbr-70	210	40	paper	paper	NOUN
afbr-70	210	41	.	.	PUNCT
afbr-70	211	1	references	reference	NOUN
afbr-70	211	2	acha	acha	PROPN
afbr-70	211	3	ikechukwu	ikechukwu	PROPN
afbr-70	211	4	,	,	PUNCT
afbr-70	211	5	a.	a.	NOUN
afbr-70	211	6	(	(	PUNCT
afbr-70	211	7	2012	2012	NUM
afbr-70	211	8	)	)	PUNCT
afbr-70	211	9	.	.	PUNCT
afbr-70	212	1	microfinance	microfinance	NOUN
afbr-70	212	2	banking	banking	NOUN
afbr-70	212	3	in	in	ADP
afbr-70	212	4	nigeria	nigeria	PROPN
afbr-70	212	5	:	:	PUNCT
afbr-70	212	6	problems	problem	NOUN
afbr-70	212	7	and	and	CCONJ
afbr-70	212	8	prospects	prospect	NOUN
afbr-70	212	9	.	.	PUNCT
afbr-70	213	1	international	international	ADJ
afbr-70	213	2	journal	journal	NOUN
afbr-70	213	3	of	of	ADP
afbr-70	213	4	finance	finance	NOUN
afbr-70	213	5	and	and	CCONJ
afbr-70	213	6	accounting	accounting	NOUN
afbr-70	213	7	,	,	PUNCT
afbr-70	213	8	1(5	1(5	NUM
afbr-70	213	9	)	)	PUNCT
afbr-70	213	10	,	,	PUNCT
afbr-70	213	11	106	106	NUM
afbr-70	213	12	-	-	SYM
afbr-70	213	13	111	111	NUM
afbr-70	213	14	.	.	PUNCT
afbr-70	214	1	adeyemi	adeyemi	ADV
afbr-70	214	2	,	,	PUNCT
afbr-70	214	3	k.	k.	PROPN
afbr-70	214	4	s.	s.	PROPN
afbr-70	214	5	(	(	PUNCT
afbr-70	214	6	2008	2008	NUM
afbr-70	214	7	)	)	PUNCT
afbr-70	214	8	.	.	PUNCT
afbr-70	215	1	institutional	institutional	ADJ
afbr-70	215	2	reforms	reform	NOUN
afbr-70	215	3	for	for	ADP
afbr-70	215	4	efficient	efficient	ADJ
afbr-70	215	5	micro	micro	ADJ
afbr-70	215	6	finance	finance	NOUN
afbr-70	215	7	operations	operation	NOUN
afbr-70	215	8	in	in	ADP
afbr-70	215	9	nigeria	nigeria	PROPN
afbr-70	215	10	.	.	PUNCT
afbr-70	216	1	publication	publication	NOUN
afbr-70	216	2	of	of	ADP
afbr-70	216	3	the	the	DET
afbr-70	216	4	central	central	ADJ
afbr-70	216	5	bank	bank	PROPN
afbr-70	216	6	of	of	ADP
afbr-70	216	7	nigeria	nigeria	PROPN
afbr-70	216	8	,	,	PUNCT
afbr-70	216	9	26	26	NUM
afbr-70	216	10	.	.	PUNCT
afbr-70	216	11	ako	ako	PROPN
afbr-70	216	12	,	,	PUNCT
afbr-70	216	13	r.	r.	PROPN
afbr-70	216	14	m.	m.	PROPN
afbr-70	216	15	(	(	PUNCT
afbr-70	216	16	2017	2017	NUM
afbr-70	216	17	)	)	PUNCT
afbr-70	216	18	.	.	PUNCT
afbr-70	217	1	the	the	DET
afbr-70	217	2	poverty	poverty	NOUN
afbr-70	217	3	-	-	PUNCT
afbr-70	217	4	democracy	democracy	NOUN
afbr-70	217	5	nexus	nexus	NOUN
afbr-70	217	6	:	:	PUNCT
afbr-70	217	7	evidence	evidence	NOUN
afbr-70	217	8	from	from	ADP
afbr-70	217	9	nigeria	nigeria	PROPN
afbr-70	217	10	.	.	PUNCT
afbr-70	218	1	international	international	ADJ
afbr-70	218	2	journal	journal	PROPN
afbr-70	218	3	of	of	ADP
afbr-70	218	4	advanced	advanced	ADJ
afbr-70	218	5	studies	study	NOUN
afbr-70	218	6	in	in	ADP
afbr-70	218	7	economics	economic	NOUN
afbr-70	218	8	and	and	CCONJ
afbr-70	218	9	public	public	ADJ
afbr-70	218	10	sector	sector	NOUN
afbr-70	218	11	management	management	NOUN
afbr-70	218	12	,	,	PUNCT
afbr-70	218	13	5(1	5(1	NUM
afbr-70	218	14	)	)	PUNCT
afbr-70	218	15	,	,	PUNCT
afbr-70	218	16	2354	2354	NUM
afbr-70	218	17	-	-	SYM
afbr-70	218	18	4228	4228	NUM
afbr-70	218	19	.	.	PUNCT
afbr-70	219	1	alkire	alkire	PROPN
afbr-70	219	2	,	,	PUNCT
afbr-70	219	3	s.	s.	PROPN
afbr-70	219	4	,	,	PUNCT
afbr-70	219	5	&	&	CCONJ
afbr-70	219	6	seth	seth	PROPN
afbr-70	219	7	,	,	PUNCT
afbr-70	219	8	s.	s.	PROPN
afbr-70	219	9	(	(	PUNCT
afbr-70	219	10	2015	2015	NUM
afbr-70	219	11	)	)	PUNCT
afbr-70	219	12	.	.	PUNCT
afbr-70	220	1	multidimensional	multidimensional	ADJ
afbr-70	220	2	poverty	poverty	NOUN
afbr-70	220	3	reduction	reduction	NOUN
afbr-70	220	4	in	in	ADP
afbr-70	220	5	india	india	PROPN
afbr-70	220	6	between	between	ADP
afbr-70	220	7	1999	1999	NUM
afbr-70	220	8	and	and	CCONJ
afbr-70	220	9	2006	2006	NUM
afbr-70	220	10	:	:	PUNCT
afbr-70	221	1	where	where	SCONJ
afbr-70	221	2	and	and	CCONJ
afbr-70	221	3	how	how	SCONJ
afbr-70	221	4	?	?	PUNCT
afbr-70	221	5	.	.	PUNCT
afbr-70	222	1	world	world	PROPN
afbr-70	222	2	development	development	PROPN
afbr-70	222	3	,	,	PUNCT
afbr-70	222	4	72	72	NUM
afbr-70	222	5	,	,	PUNCT
afbr-70	222	6	93	93	NUM
afbr-70	222	7	-	-	SYM
afbr-70	222	8	108	108	NUM
afbr-70	222	9	.	.	PUNCT
afbr-70	223	1	akinwale	akinwale	PROPN
afbr-70	223	2	,	,	PUNCT
afbr-70	223	3	a.	a.	NOUN
afbr-70	223	4	a.	a.	NOUN
afbr-70	223	5	(	(	PUNCT
afbr-70	223	6	2010	2010	NUM
afbr-70	223	7	)	)	PUNCT
afbr-70	223	8	.	.	PUNCT
afbr-70	224	1	the	the	DET
afbr-70	224	2	menace	menace	NOUN
afbr-70	224	3	of	of	ADP
afbr-70	224	4	inadequate	inadequate	ADJ
afbr-70	224	5	infrastructure	infrastructure	NOUN
afbr-70	224	6	in	in	ADP
afbr-70	224	7	nigeria	nigeria	PROPN
afbr-70	224	8	.	.	PUNCT
afbr-70	225	1	african	african	ADJ
afbr-70	225	2	journal	journal	PROPN
afbr-70	225	3	of	of	ADP
afbr-70	225	4	science	science	NOUN
afbr-70	225	5	,	,	PUNCT
afbr-70	225	6	technology	technology	NOUN
afbr-70	225	7	,	,	PUNCT
afbr-70	225	8	innovation	innovation	NOUN
afbr-70	225	9	and	and	CCONJ
afbr-70	225	10	development	development	NOUN
afbr-70	225	11	,	,	PUNCT
afbr-70	225	12	2(3	2(3	NUM
afbr-70	225	13	)	)	PUNCT
afbr-70	225	14	,	,	PUNCT
afbr-70	225	15	207	207	NUM
afbr-70	225	16	-	-	SYM
afbr-70	225	17	228	228	NUM
afbr-70	225	18	.	.	PUNCT
afbr-70	226	1	anyanwu	anyanwu	PROPN
afbr-70	226	2	,	,	PUNCT
afbr-70	226	3	c.	c.	PROPN
afbr-70	226	4	m.	m.	NOUN
afbr-70	226	5	(	(	PUNCT
afbr-70	226	6	2004	2004	NUM
afbr-70	226	7	,	,	PUNCT
afbr-70	226	8	november	november	PROPN
afbr-70	226	9	)	)	PUNCT
afbr-70	226	10	.	.	PUNCT
afbr-70	227	1	microfinance	microfinance	NOUN
afbr-70	227	2	institutions	institution	NOUN
afbr-70	227	3	in	in	ADP
afbr-70	227	4	nigeria	nigeria	PROPN
afbr-70	227	5	:	:	PUNCT
afbr-70	227	6	policy	policy	NOUN
afbr-70	227	7	,	,	PUNCT
afbr-70	227	8	practice	practice	NOUN
afbr-70	227	9	and	and	CCONJ
afbr-70	227	10	potentials	potential	NOUN
afbr-70	227	11	.	.	PUNCT
afbr-70	228	1	in	in	ADP
afbr-70	228	2	g24	g24	NOUN
afbr-70	228	3	workshop	workshop	NOUN
afbr-70	228	4	on	on	ADP
afbr-70	228	5	“	"	PUNCT
afbr-70	228	6	constraints	constraint	NOUN
afbr-70	228	7	to	to	ADP
afbr-70	228	8	growth	growth	NOUN
afbr-70	228	9	in	in	ADP
afbr-70	228	10	sub	sub	NOUN
afbr-70	228	11	saharan	saharan	PROPN
afbr-70	228	12	africa	africa	PROPN
afbr-70	228	13	,	,	PUNCT
afbr-70	228	14	”	"	PUNCT
afbr-70	228	15	pretoria	pretoria	NOUN
afbr-70	228	16	,	,	PUNCT
afbr-70	228	17	south	south	PROPN
afbr-70	228	18	africa	africa	PROPN
afbr-70	228	19	.	.	PUNCT
afbr-70	229	1	bakhtiari	bakhtiari	PROPN
afbr-70	229	2	,	,	PUNCT
afbr-70	229	3	s.	s.	PROPN
afbr-70	229	4	(	(	PUNCT
afbr-70	229	5	2011	2011	NUM
afbr-70	229	6	)	)	PUNCT
afbr-70	229	7	.	.	PUNCT
afbr-70	230	1	microfinance	microfinance	NOUN
afbr-70	230	2	and	and	CCONJ
afbr-70	230	3	poverty	poverty	NOUN
afbr-70	230	4	reduction	reduction	NOUN
afbr-70	230	5	:	:	PUNCT
afbr-70	230	6	some	some	DET
afbr-70	230	7	international	international	ADJ
afbr-70	230	8	evidence	evidence	NOUN
afbr-70	230	9	.	.	PUNCT
afbr-70	231	1	international	international	ADJ
afbr-70	231	2	business	business	PROPN
afbr-70	231	3	&	&	CCONJ
afbr-70	231	4	economics	economics	PROPN
afbr-70	231	5	research	research	PROPN
afbr-70	231	6	journal	journal	PROPN
afbr-70	231	7	(	(	PUNCT
afbr-70	231	8	iber	iber	PROPN
afbr-70	231	9	)	)	PUNCT
afbr-70	231	10	,	,	PUNCT
afbr-70	231	11	5(12	5(12	NUM
afbr-70	231	12	)	)	PUNCT
afbr-70	231	13	.	.	PUNCT
afbr-70	232	1	creswell	creswell	PROPN
afbr-70	232	2	,	,	PUNCT
afbr-70	232	3	j.	j.	PROPN
afbr-70	232	4	w.	w.	PROPN
afbr-70	232	5	(	(	PUNCT
afbr-70	232	6	1994	1994	NUM
afbr-70	232	7	)	)	PUNCT
afbr-70	232	8	.	.	PUNCT
afbr-70	233	1	research	research	NOUN
afbr-70	233	2	design	design	NOUN
afbr-70	233	3	:	:	PUNCT
afbr-70	233	4	qualitative	qualitative	NOUN
afbr-70	233	5	and	and	CCONJ
afbr-70	233	6	quantitative	quantitative	ADJ
afbr-70	233	7	:	:	PUNCT
afbr-70	233	8	london	london	PROPN
afbr-70	233	9	,	,	PUNCT
afbr-70	233	10	united	united	ADJ
afbr-70	233	11	kingdom	kingdom	PROPN
afbr-70	233	12	.	.	PUNCT
afbr-70	234	1	sage	sage	NOUN
afbr-70	234	2	publishers	publisher	NOUN
afbr-70	234	3	.	.	PUNCT
afbr-70	235	1	ebomuche	ebomuche	NOUN
afbr-70	235	2	,	,	PUNCT
afbr-70	235	3	n.	n.	PROPN
afbr-70	235	4	c.	c.	PROPN
afbr-70	235	5	,	,	PUNCT
afbr-70	235	6	ihugba	ihugba	PROPN
afbr-70	235	7	,	,	PUNCT
afbr-70	235	8	o.	o.	NOUN
afbr-70	235	9	a.	a.	PROPN
afbr-70	235	10	,	,	PUNCT
afbr-70	235	11	&	&	CCONJ
afbr-70	235	12	bankong	bankong	PROPN
afbr-70	235	13	,	,	PUNCT
afbr-70	235	14	b.	b.	PROPN
afbr-70	235	15	(	(	PUNCT
afbr-70	235	16	2014	2014	NUM
afbr-70	235	17	)	)	PUNCT
afbr-70	235	18	.	.	PUNCT
afbr-70	236	1	the	the	DET
afbr-70	236	2	impact	impact	NOUN
afbr-70	236	3	of	of	ADP
afbr-70	236	4	nigeria	nigeria	PROPN
afbr-70	236	5	microfinance	microfinance	NOUN
afbr-70	236	6	banks	bank	NOUN
afbr-70	236	7	on	on	ADP
afbr-70	236	8	poverty	poverty	NOUN
afbr-70	236	9	reduction	reduction	NOUN
afbr-70	236	10	:	:	PUNCT
afbr-70	236	11	imo	imo	PROPN
afbr-70	236	12	state	state	NOUN
afbr-70	236	13	experience	experience	NOUN
afbr-70	236	14	.	.	PUNCT
afbr-70	237	1	international	international	ADJ
afbr-70	237	2	letters	letter	NOUN
afbr-70	237	3	of	of	ADP
afbr-70	237	4	social	social	ADJ
afbr-70	237	5	and	and	CCONJ
afbr-70	237	6	humanistic	humanistic	ADJ
afbr-70	237	7	sciences	science	NOUN
afbr-70	237	8	,	,	PUNCT
afbr-70	237	9	(	(	PUNCT
afbr-70	237	10	16	16	NUM
afbr-70	237	11	)	)	PUNCT
afbr-70	237	12	,	,	PUNCT
afbr-70	237	13	92	92	NUM
afbr-70	237	14	-	-	SYM
afbr-70	237	15	113	113	NUM
afbr-70	237	16	.	.	PUNCT
afbr-70	238	1	edwin	edwin	PROPN
afbr-70	238	2	,	,	PUNCT
afbr-70	238	3	a.	a.	NOUN
afbr-70	238	4	m.	m.	NOUN
afbr-70	238	5	,	,	PUNCT
afbr-70	238	6	taiwo	taiwo	PROPN
afbr-70	238	7	,	,	PUNCT
afbr-70	238	8	j.	j.	PROPN
afbr-70	238	9	n.	n.	PROPN
afbr-70	238	10	,	,	PUNCT
afbr-70	238	11	yewande	yewande	NOUN
afbr-70	238	12	,	,	PUNCT
afbr-70	238	13	o.	o.	PROPN
afbr-70	238	14	a.	a.	PROPN
afbr-70	238	15	,	,	PUNCT
afbr-70	238	16	&	&	CCONJ
afbr-70	238	17	benson	benson	PROPN
afbr-70	238	18	,	,	PUNCT
afbr-70	238	19	k.	k.	PROPN
afbr-70	238	20	n.	n.	PROPN
afbr-70	238	21	(	(	PUNCT
afbr-70	238	22	2016	2016	NUM
afbr-70	238	23	)	)	PUNCT
afbr-70	238	24	.	.	PUNCT
afbr-70	239	1	the	the	DET
afbr-70	239	2	role	role	NOUN
afbr-70	239	3	of	of	ADP
afbr-70	239	4	microfinance	microfinance	NOUN
afbr-70	239	5	institutions	institution	NOUN
afbr-70	239	6	in	in	ADP
afbr-70	239	7	financing	finance	VERB
afbr-70	239	8	small	small	ADJ
afbr-70	239	9	businesses	business	NOUN
afbr-70	239	10	.	.	PUNCT
afbr-70	240	1	the	the	DET
afbr-70	240	2	journal	journal	NOUN
afbr-70	240	3	of	of	ADP
afbr-70	240	4	internet	internet	NOUN
afbr-70	240	5	banking	banking	NOUN
afbr-70	240	6	and	and	CCONJ
afbr-70	240	7	commerce	commerce	NOUN
afbr-70	240	8	,	,	PUNCT
afbr-70	240	9	21(1	21(1	NUM
afbr-70	240	10	)	)	PUNCT
afbr-70	240	11	.	.	PUNCT
afbr-70	241	1	ezeanata	ezeanata	PROPN
afbr-70	241	2	walter	walter	PROPN
afbr-70	241	3	,	,	PUNCT
afbr-70	241	4	c.	c.	PROPN
afbr-70	241	5	,	,	PUNCT
afbr-70	241	6	&	&	CCONJ
afbr-70	241	7	parimoo	parimoo	PROPN
afbr-70	241	8	,	,	PUNCT
afbr-70	241	9	d.	d.	PROPN
afbr-70	241	10	(	(	PUNCT
afbr-70	241	11	2016	2016	NUM
afbr-70	241	12	)	)	PUNCT
afbr-70	241	13	.	.	PUNCT
afbr-70	242	1	leadership	leadership	NOUN
afbr-70	242	2	development	development	NOUN
afbr-70	242	3	in	in	ADP
afbr-70	242	4	the	the	DET
afbr-70	242	5	nigerian	nigerian	PROPN
afbr-70	242	6	micro	micro	PROPN
afbr-70	242	7	finance	finance	PROPN
afbr-70	242	8	banks	bank	NOUN
afbr-70	242	9	and	and	CCONJ
afbr-70	242	10	its	its	PRON
afbr-70	242	11	effects	effect	NOUN
afbr-70	242	12	on	on	ADP
afbr-70	242	13	the	the	DET
afbr-70	242	14	banks	bank	NOUN
afbr-70	242	15	performances	performance	NOUN
afbr-70	242	16	.	.	PUNCT
afbr-70	243	1	leadership	leadership	NOUN
afbr-70	243	2	,	,	PUNCT
afbr-70	243	3	1(2	1(2	NUM
afbr-70	243	4	)	)	PUNCT
afbr-70	243	5	,	,	PUNCT
afbr-70	243	6	15	15	NUM
afbr-70	243	7	-	-	SYM
afbr-70	243	8	24	24	NUM
afbr-70	243	9	.	.	PUNCT
afbr-70	244	1	foster	foster	PROPN
afbr-70	244	2	,	,	PUNCT
afbr-70	244	3	j.	j.	PROPN
afbr-70	244	4	e.	e.	PROPN
afbr-70	244	5	(	(	PUNCT
afbr-70	244	6	1998	1998	NUM
afbr-70	244	7	)	)	PUNCT
afbr-70	244	8	.	.	PUNCT
afbr-70	245	1	absolute	absolute	ADJ
afbr-70	245	2	versus	versus	ADP
afbr-70	245	3	relative	relative	ADJ
afbr-70	245	4	poverty	poverty	NOUN
afbr-70	245	5	.	.	PUNCT
afbr-70	246	1	the	the	DET
afbr-70	246	2	american	american	PROPN
afbr-70	246	3	economic	economic	PROPN
afbr-70	246	4	review	review	PROPN
afbr-70	246	5	,	,	PUNCT
afbr-70	246	6	88(2	88(2	NUM
afbr-70	246	7	)	)	PUNCT
afbr-70	246	8	,	,	PUNCT
afbr-70	246	9	335	335	NUM
afbr-70	246	10	-	-	SYM
afbr-70	246	11	341	341	NUM
afbr-70	246	12	.	.	PUNCT
afbr-70	247	1	ikeanyibe	ikeanyibe	NOUN
afbr-70	247	2	,	,	PUNCT
afbr-70	247	3	o.	o.	NOUN
afbr-70	247	4	m.	m.	NOUN
afbr-70	247	5	(	(	PUNCT
afbr-70	247	6	2009	2009	NUM
afbr-70	247	7	)	)	PUNCT
afbr-70	247	8	.	.	PUNCT
afbr-70	248	1	human	human	ADJ
afbr-70	248	2	resource	resource	NOUN
afbr-70	248	3	management	management	NOUN
afbr-70	248	4	for	for	ADP
afbr-70	248	5	sustainable	sustainable	ADJ
afbr-70	248	6	microfinance	microfinance	NOUN
afbr-70	248	7	institutions	institution	NOUN
afbr-70	248	8	in	in	ADP
afbr-70	248	9	nigeria	nigeria	PROPN
afbr-70	248	10	.	.	PUNCT
afbr-70	249	1	global	global	ADJ
afbr-70	249	2	journal	journal	PROPN
afbr-70	249	3	of	of	ADP
afbr-70	249	4	social	social	ADJ
afbr-70	249	5	sciences	science	NOUN
afbr-70	249	6	,	,	PUNCT
afbr-70	249	7	8(1	8(1	NOUN
afbr-70	249	8	)	)	PUNCT
afbr-70	249	9	,	,	PUNCT
afbr-70	249	10	119	119	NUM
afbr-70	249	11	.	.	PUNCT
afbr-70	249	12	imai	imai	PROPN
afbr-70	249	13	,	,	PUNCT
afbr-70	249	14	k.	k.	PROPN
afbr-70	249	15	s.	s.	PROPN
afbr-70	249	16	,	,	PUNCT
afbr-70	249	17	arun	arun	PROPN
afbr-70	249	18	,	,	PUNCT
afbr-70	249	19	t.	t.	PROPN
afbr-70	249	20	,	,	PUNCT
afbr-70	249	21	&	&	CCONJ
afbr-70	249	22	annim	annim	PROPN
afbr-70	249	23	,	,	PUNCT
afbr-70	249	24	s.	s.	PROPN
afbr-70	249	25	k.	k.	PROPN
afbr-70	249	26	(	(	PUNCT
afbr-70	249	27	2010	2010	NUM
afbr-70	249	28	)	)	PUNCT
afbr-70	249	29	.	.	PUNCT
afbr-70	250	1	microfinance	microfinance	NOUN
afbr-70	250	2	and	and	CCONJ
afbr-70	250	3	household	household	NOUN
afbr-70	250	4	poverty	poverty	NOUN
afbr-70	250	5	reduction	reduction	NOUN
afbr-70	250	6	:	:	PUNCT
afbr-70	250	7	new	new	ADJ
afbr-70	250	8	evidence	evidence	NOUN
afbr-70	250	9	from	from	ADP
afbr-70	250	10	india	india	PROPN
afbr-70	250	11	.	.	PUNCT
afbr-70	251	1	world	world	PROPN
afbr-70	251	2	development	development	PROPN
afbr-70	251	3	,	,	PUNCT
afbr-70	251	4	38(12	38(12	NUM
afbr-70	251	5	)	)	PUNCT
afbr-70	251	6	,	,	PUNCT
afbr-70	251	7	1760	1760	NUM
afbr-70	251	8	-	-	SYM
afbr-70	251	9	1774	1774	NUM
afbr-70	251	10	.	.	PUNCT
afbr-70	252	1	kamili	kamili	PROPN
afbr-70	252	2	,	,	PUNCT
afbr-70	252	3	s.	s.	PROPN
afbr-70	252	4	j.	j.	PROPN
afbr-70	252	5	i.(2016	i.(2016	PROPN
afbr-70	252	6	)	)	PUNCT
afbr-70	252	7	impact	impact	NOUN
afbr-70	252	8	of	of	ADP
afbr-70	252	9	microfinance	microfinance	NOUN
afbr-70	252	10	on	on	ADP
afbr-70	252	11	self	self	NOUN
afbr-70	252	12	help	help	NOUN
afbr-70	252	13	groups	group	NOUN
afbr-70	252	14	in	in	ADP
afbr-70	252	15	developing	develop	VERB
afbr-70	252	16	countries	country	NOUN
afbr-70	252	17	with	with	ADP
afbr-70	252	18	special	special	ADJ
afbr-70	252	19	reference	reference	NOUN
afbr-70	252	20	to	to	ADP
afbr-70	252	21	india	india	PROPN
afbr-70	252	22	.	.	PUNCT
afbr-70	253	1	international	international	ADJ
afbr-70	253	2	journal	journal	PROPN
afbr-70	253	3	of	of	ADP
afbr-70	253	4	business	business	NOUN
afbr-70	253	5	and	and	CCONJ
afbr-70	253	6	social	social	ADJ
afbr-70	253	7	science	science	NOUN
afbr-70	253	8	,	,	PUNCT
afbr-70	253	9	7	7	NUM
afbr-70	253	10	(	(	PUNCT
afbr-70	253	11	10	10	NUM
afbr-70	253	12	)	)	PUNCT
afbr-70	253	13	,	,	PUNCT
afbr-70	253	14	2219	2219	NUM
afbr-70	253	15	-	-	SYM
afbr-70	253	16	1933	1933	NUM
afbr-70	253	17	.	.	PUNCT
afbr-70	254	1	kanu	kanu	PROPN
afbr-70	254	2	,	,	PUNCT
afbr-70	254	3	c.	c.	PROPN
afbr-70	254	4	(	(	PUNCT
afbr-70	254	5	2017	2017	NUM
afbr-70	254	6	)	)	PUNCT
afbr-70	254	7	.	.	PUNCT
afbr-70	255	1	the	the	DET
afbr-70	255	2	problems	problem	NOUN
afbr-70	255	3	,	,	PUNCT
afbr-70	255	4	prospects	prospect	NOUN
afbr-70	255	5	and	and	CCONJ
afbr-70	255	6	social	social	ADJ
afbr-70	255	7	consequences	consequence	NOUN
afbr-70	255	8	of	of	ADP
afbr-70	255	9	sustainable	sustainable	ADJ
afbr-70	255	10	rural	rural	ADJ
afbr-70	255	11	business	business	NOUN
afbr-70	255	12	in	in	ADP
afbr-70	255	13	exploration	exploration	NOUN
afbr-70	255	14	of	of	ADP
afbr-70	255	15	micro	micro	ADJ
afbr-70	255	16	-	-	ADJ
afbr-70	255	17	finance	finance	ADJ
afbr-70	255	18	banking	banking	NOUN
afbr-70	255	19	policies	policy	NOUN
afbr-70	255	20	and	and	CCONJ
afbr-70	255	21	strategies	strategy	NOUN
afbr-70	255	22	for	for	ADP
afbr-70	255	23	poverty	poverty	NOUN
afbr-70	255	24	reduction	reduction	NOUN
afbr-70	255	25	in	in	ADP
afbr-70	255	26	nigeria	nigeria	PROPN
afbr-70	255	27	umar	umar	PROPN
afbr-70	255	28	farouk	farouk	PROPN
afbr-70	255	29	musa	musa	PROPN
afbr-70	255	30	and	and	CCONJ
afbr-70	255	31	inuwa	inuwa	VERB
afbr-70	255	32	baba	baba	PROPN
afbr-70	255	33	abubakar	abubakar	PROPN
afbr-70	255	34	13	13	NUM
afbr-70	255	35	nigeria	nigeria	PROPN
afbr-70	255	36	.	.	PUNCT
afbr-70	256	1	international	international	ADJ
afbr-70	256	2	journal	journal	PROPN
afbr-70	256	3	,	,	PUNCT
afbr-70	256	4	5(1	5(1	NUM
afbr-70	256	5	)	)	PUNCT
afbr-70	256	6	.	.	PUNCT
afbr-70	257	1	khan	khan	PROPN
afbr-70	257	2	,	,	PUNCT
afbr-70	257	3	a.	a.	PROPN
afbr-70	257	4	,	,	PUNCT
afbr-70	257	5	&	&	CCONJ
afbr-70	257	6	cheri	cheri	PROPN
afbr-70	257	7	,	,	PUNCT
afbr-70	257	8	l.	l.	PROPN
afbr-70	257	9	(	(	PUNCT
afbr-70	257	10	2016	2016	NUM
afbr-70	257	11	)	)	PUNCT
afbr-70	257	12	.	.	PUNCT
afbr-70	258	1	an	an	DET
afbr-70	258	2	examination	examination	NOUN
afbr-70	258	3	of	of	ADP
afbr-70	258	4	poverty	poverty	NOUN
afbr-70	258	5	as	as	ADP
afbr-70	258	6	the	the	DET
afbr-70	258	7	foundation	foundation	NOUN
afbr-70	258	8	of	of	ADP
afbr-70	258	9	crisis	crisis	NOUN
afbr-70	258	10	in	in	ADP
afbr-70	258	11	northern	northern	PROPN
afbr-70	258	12	nigeria	nigeria	PROPN
afbr-70	258	13	.	.	PUNCT
afbr-70	259	1	insight	insight	NOUN
afbr-70	259	2	on	on	ADP
afbr-70	259	3	africa	africa	PROPN
afbr-70	259	4	,	,	PUNCT
afbr-70	259	5	8(1	8(1	NOUN
afbr-70	259	6	)	)	PUNCT
afbr-70	259	7	,	,	PUNCT
afbr-70	259	8	59	59	NUM
afbr-70	259	9	-	-	SYM
afbr-70	259	10	71	71	NUM
afbr-70	259	11	.	.	PUNCT
afbr-70	260	1	liman	liman	NOUN
afbr-70	260	2	,	,	PUNCT
afbr-70	260	3	n.	n.	PROPN
afbr-70	260	4	,	,	PUNCT
afbr-70	260	5	hashim	hashim	PROPN
afbr-70	260	6	,	,	PUNCT
afbr-70	260	7	m.	m.	PROPN
afbr-70	260	8	k.	k.	PROPN
afbr-70	260	9	,	,	PUNCT
afbr-70	260	10	&	&	CCONJ
afbr-70	260	11	arshad	arshad	PROPN
afbr-70	260	12	,	,	PUNCT
afbr-70	260	13	d.	d.	PROPN
afbr-70	260	14	(	(	PUNCT
afbr-70	260	15	2017	2017	NUM
afbr-70	260	16	)	)	PUNCT
afbr-70	260	17	.	.	PUNCT
afbr-70	261	1	a	a	DET
afbr-70	261	2	study	study	NOUN
afbr-70	261	3	on	on	ADP
afbr-70	261	4	the	the	DET
afbr-70	261	5	types	type	NOUN
afbr-70	261	6	of	of	ADP
afbr-70	261	7	microfinance	microfinance	NOUN
afbr-70	261	8	institutions	institution	NOUN
afbr-70	261	9	in	in	ADP
afbr-70	261	10	nigeria	nigeria	PROPN
afbr-70	261	11	.	.	PUNCT
afbr-70	262	1	mayfeb	mayfeb	PROPN
afbr-70	262	2	journal	journal	PROPN
afbr-70	262	3	of	of	ADP
afbr-70	262	4	business	business	NOUN
afbr-70	262	5	and	and	CCONJ
afbr-70	262	6	management	management	NOUN
afbr-70	262	7	,	,	PUNCT
afbr-70	262	8	2	2	NUM
afbr-70	262	9	.	.	X
afbr-70	262	10	ogujiuba	ogujiuba	PROPN
afbr-70	262	11	,	,	PUNCT
afbr-70	262	12	k.	k.	PROPN
afbr-70	262	13	,	,	PUNCT
afbr-70	262	14	jumare	jumare	PROPN
afbr-70	262	15	,	,	PUNCT
afbr-70	262	16	f.	f.	PROPN
afbr-70	262	17	,	,	PUNCT
afbr-70	262	18	&	&	CCONJ
afbr-70	262	19	stiegler	stiegler	PROPN
afbr-70	262	20	,	,	PUNCT
afbr-70	262	21	n.	n.	PROPN
afbr-70	262	22	(	(	PUNCT
afbr-70	262	23	2013	2013	NUM
afbr-70	262	24	)	)	PUNCT
afbr-70	262	25	.	.	PUNCT
afbr-70	263	1	challenges	challenge	NOUN
afbr-70	263	2	of	of	ADP
afbr-70	263	3	microfinance	microfinance	NOUN
afbr-70	263	4	access	access	NOUN
afbr-70	263	5	in	in	ADP
afbr-70	263	6	nigeria	nigeria	PROPN
afbr-70	263	7	:	:	PUNCT
afbr-70	263	8	implications	implication	NOUN
afbr-70	263	9	for	for	ADP
afbr-70	263	10	entrepreneurship	entrepreneurship	NOUN
afbr-70	263	11	development	development	NOUN
afbr-70	263	12	.	.	PUNCT
afbr-70	264	1	mediterranean	mediterranean	PROPN
afbr-70	264	2	journal	journal	PROPN
afbr-70	264	3	of	of	ADP
afbr-70	264	4	social	social	ADJ
afbr-70	264	5	sciences	science	NOUN
afbr-70	264	6	,	,	PUNCT
afbr-70	264	7	4	4	NUM
afbr-70	264	8	(	(	PUNCT
afbr-70	264	9	6	6	NUM
afbr-70	264	10	)	)	PUNCT
afbr-70	264	11	,	,	PUNCT
afbr-70	264	12	2039	2039	NUM
afbr-70	264	13	-	-	SYM
afbr-70	264	14	2117	2117	NUM
afbr-70	264	15	okpara	okpara	NOUN
afbr-70	264	16	,	,	PUNCT
afbr-70	264	17	g.	g.	PROPN
afbr-70	264	18	c.	c.	PROPN
afbr-70	264	19	(	(	PUNCT
afbr-70	264	20	2010	2010	NUM
afbr-70	264	21	)	)	PUNCT
afbr-70	264	22	.	.	PUNCT
afbr-70	265	1	microfinance	microfinance	NOUN
afbr-70	265	2	banks	bank	NOUN
afbr-70	265	3	and	and	CCONJ
afbr-70	265	4	poverty	poverty	NOUN
afbr-70	265	5	alleviation	alleviation	NOUN
afbr-70	265	6	in	in	ADP
afbr-70	265	7	nigeria	nigeria	PROPN
afbr-70	265	8	.	.	PUNCT
afbr-70	266	1	journal	journal	PROPN
afbr-70	266	2	of	of	ADP
afbr-70	266	3	sustainable	sustainable	ADJ
afbr-70	266	4	development	development	NOUN
afbr-70	266	5	in	in	ADP
afbr-70	266	6	africa	africa	PROPN
afbr-70	266	7	,	,	PUNCT
afbr-70	266	8	12(6	12(6	NUM
afbr-70	266	9	)	)	PUNCT
afbr-70	266	10	,	,	PUNCT
afbr-70	266	11	177	177	NUM
afbr-70	266	12	-	-	SYM
afbr-70	266	13	191	191	NUM
afbr-70	266	14	.	.	PUNCT
afbr-70	267	1	olomola	olomola	PROPN
afbr-70	267	2	,	,	PUNCT
afbr-70	267	3	a.	a.	PROPN
afbr-70	267	4	s.	s.	PROPN
afbr-70	267	5	(	(	PUNCT
afbr-70	267	6	2002	2002	NUM
afbr-70	267	7	)	)	PUNCT
afbr-70	267	8	.	.	PUNCT
afbr-70	268	1	social	social	ADJ
afbr-70	268	2	capital	capital	NOUN
afbr-70	268	3	,	,	PUNCT
afbr-70	268	4	microfinance	microfinance	NOUN
afbr-70	268	5	group	group	NOUN
afbr-70	268	6	performance	performance	NOUN
afbr-70	268	7	and	and	CCONJ
afbr-70	268	8	poverty	poverty	NOUN
afbr-70	268	9	implications	implication	NOUN
afbr-70	268	10	in	in	ADP
afbr-70	268	11	nigeria	nigeria	PROPN
afbr-70	268	12	.	.	PUNCT
afbr-70	269	1	ibadan	ibadan	PROPN
afbr-70	269	2	,	,	PUNCT
afbr-70	269	3	nigeria	nigeria	PROPN
afbr-70	269	4	:	:	PUNCT
afbr-70	269	5	nigerian	nigerian	PROPN
afbr-70	269	6	institute	institute	PROPN
afbr-70	269	7	of	of	ADP
afbr-70	269	8	social	social	ADJ
afbr-70	269	9	and	and	CCONJ
afbr-70	269	10	economic	economic	ADJ
afbr-70	269	11	research	research	NOUN
afbr-70	269	12	,	,	PUNCT
afbr-70	269	13	1	1	NUM
afbr-70	269	14	-	-	SYM
afbr-70	269	15	25	25	NUM
afbr-70	269	16	.	.	PUNCT
afbr-70	270	1	panjaitan	panjaitan	ADJ
afbr-70	270	2	-	-	PUNCT
afbr-70	270	3	drioadisuryo	drioadisuryo	NOUN
afbr-70	270	4	,	,	PUNCT
afbr-70	270	5	r.	r.	PROPN
afbr-70	270	6	d.	d.	PROPN
afbr-70	270	7	,	,	PUNCT
afbr-70	270	8	&	&	CCONJ
afbr-70	270	9	cloud	cloud	PROPN
afbr-70	270	10	,	,	PUNCT
afbr-70	270	11	k.	k.	PROPN
afbr-70	270	12	(	(	PUNCT
afbr-70	270	13	1999	1999	NUM
afbr-70	270	14	)	)	PUNCT
afbr-70	270	15	.	.	PUNCT
afbr-70	271	1	gender	gender	NOUN
afbr-70	271	2	,	,	PUNCT
afbr-70	271	3	self	self	NOUN
afbr-70	271	4	-	-	PUNCT
afbr-70	271	5	employment	employment	NOUN
afbr-70	271	6	and	and	CCONJ
afbr-70	271	7	microcredit	microcredit	NOUN
afbr-70	271	8	programs	program	NOUN
afbr-70	271	9	an	an	DET
afbr-70	271	10	indonesian	indonesian	ADJ
afbr-70	271	11	case	case	NOUN
afbr-70	271	12	study	study	NOUN
afbr-70	271	13	.	.	PUNCT
afbr-70	272	1	the	the	DET
afbr-70	272	2	quarterly	quarterly	ADJ
afbr-70	272	3	review	review	NOUN
afbr-70	272	4	of	of	ADP
afbr-70	272	5	economics	economic	NOUN
afbr-70	272	6	and	and	CCONJ
afbr-70	272	7	finance	finance	NOUN
afbr-70	272	8	,	,	PUNCT
afbr-70	272	9	39(5	39(5	NUM
afbr-70	272	10	)	)	PUNCT
afbr-70	272	11	,	,	PUNCT
afbr-70	272	12	769	769	NUM
afbr-70	272	13	-	-	SYM
afbr-70	272	14	779	779	NUM
afbr-70	272	15	.	.	PUNCT
afbr-70	272	16	riessman	riessman	NOUN
afbr-70	272	17	,	,	PUNCT
afbr-70	272	18	c.	c.	PROPN
afbr-70	272	19	k.	k.	PROPN
afbr-70	272	20	(	(	PUNCT
afbr-70	272	21	1993	1993	NUM
afbr-70	272	22	)	)	PUNCT
afbr-70	272	23	.	.	PUNCT
afbr-70	273	1	narrative	narrative	ADJ
afbr-70	273	2	analysis	analysis	NOUN
afbr-70	273	3	(	(	PUNCT
afbr-70	273	4	vol	vol	NOUN
afbr-70	273	5	.	.	PROPN
afbr-70	273	6	30	30	NUM
afbr-70	273	7	)	)	PUNCT
afbr-70	273	8	.	.	PUNCT
afbr-70	274	1	sage.riessman	sage.riessman	NUM
afbr-70	274	2	,	,	PUNCT
afbr-70	274	3	c.	c.	PROPN
afbr-70	274	4	k.	k.	PROPN
afbr-70	274	5	(	(	PUNCT
afbr-70	274	6	2005	2005	NUM
afbr-70	274	7	)	)	PUNCT
afbr-70	274	8	.	.	PUNCT
afbr-70	275	1	narrative	narrative	NOUN
afbr-70	275	2	analysis	analysis	NOUN
afbr-70	275	3	.	.	PUNCT
afbr-70	276	1	narrative	narrative	NOUN
afbr-70	276	2	,	,	PUNCT
afbr-70	276	3	memory	memory	NOUN
afbr-70	276	4	&	&	CCONJ
afbr-70	276	5	everyday	everyday	ADJ
afbr-70	276	6	life	life	NOUN
afbr-70	276	7	,	,	PUNCT
afbr-70	276	8	1	1	NUM
afbr-70	276	9	-	-	SYM
afbr-70	276	10	7	7	NUM
afbr-70	276	11	.	.	PUNCT
afbr-70	276	12	sanusi	sanusi	PROPN
afbr-70	276	13	,	,	PUNCT
afbr-70	276	14	l.	l.	PROPN
afbr-70	276	15	s.	s.	PROPN
afbr-70	276	16	(	(	PUNCT
afbr-70	276	17	2012	2012	NUM
afbr-70	276	18	)	)	PUNCT
afbr-70	276	19	.	.	PUNCT
afbr-70	277	1	banking	banking	NOUN
afbr-70	277	2	reform	reform	NOUN
afbr-70	277	3	and	and	CCONJ
afbr-70	277	4	its	its	PRON
afbr-70	277	5	impact	impact	NOUN
afbr-70	277	6	on	on	ADP
afbr-70	277	7	the	the	DET
afbr-70	277	8	nigerian	nigerian	ADJ
afbr-70	277	9	economy	economy	NOUN
afbr-70	277	10	.	.	PUNCT
afbr-70	278	1	cebbn	cebbn	PROPN
afbr-70	278	2	journal	journal	PROPN
afbr-70	278	3	of	of	ADP
afbr-70	278	4	applied	applied	ADJ
afbr-70	278	5	statistics	statistic	NOUN
afbr-70	278	6	,	,	PUNCT
afbr-70	278	7	2(2	2(2	NUM
afbr-70	278	8	)	)	PUNCT
afbr-70	278	9	,	,	PUNCT
afbr-70	278	10	115	115	NUM
afbr-70	278	11	-	-	SYM
afbr-70	278	12	122	122	NUM
afbr-70	278	13	.	.	PUNCT
afbr-70	279	1	saravanan	saravanan	PROPN
afbr-70	279	2	,	,	PUNCT
afbr-70	279	3	s.	s.	PROPN
afbr-70	279	4	,	,	PUNCT
afbr-70	279	5	&	&	CCONJ
afbr-70	279	6	dash	dash	NOUN
afbr-70	279	7	,	,	PUNCT
afbr-70	279	8	d.	d.	PROPN
afbr-70	279	9	p.	p.	PROPN
afbr-70	279	10	(	(	PUNCT
afbr-70	279	11	2017	2017	NUM
afbr-70	279	12	)	)	PUNCT
afbr-70	279	13	.	.	PUNCT
afbr-70	280	1	growth	growth	NOUN
afbr-70	280	2	and	and	CCONJ
afbr-70	280	3	distribution	distribution	NOUN
afbr-70	280	4	of	of	ADP
afbr-70	280	5	microfinance	microfinance	NOUN
afbr-70	280	6	in	in	ADP
afbr-70	280	7	india	india	PROPN
afbr-70	280	8	:	:	PUNCT
afbr-70	281	1	a	a	DET
afbr-70	281	2	panel	panel	NOUN
afbr-70	281	3	data	data	VERB
afbr-70	281	4	analysis	analysis	NOUN
afbr-70	281	5	.	.	PUNCT
afbr-70	282	1	theoretical	theoretical	ADJ
afbr-70	282	2	and	and	CCONJ
afbr-70	282	3	applied	apply	VERB
afbr-70	282	4	economics	economic	NOUN
afbr-70	282	5	,	,	PUNCT
afbr-70	282	6	22(1	22(1	NUM
afbr-70	282	7	(	(	PUNCT
afbr-70	282	8	610	610	NUM
afbr-70	282	9	)	)	PUNCT
afbr-70	282	10	,	,	PUNCT
afbr-70	282	11	spring	spring	NOUN
afbr-70	282	12	)	)	PUNCT
afbr-70	282	13	,	,	PUNCT
afbr-70	282	14	127	127	NUM
afbr-70	282	15	-	-	SYM
afbr-70	282	16	146	146	NUM
afbr-70	282	17	.	.	PUNCT
afbr-70	283	1	siwale	siwale	PROPN
afbr-70	283	2	,	,	PUNCT
afbr-70	283	3	j.	j.	PROPN
afbr-70	283	4	,	,	PUNCT
afbr-70	283	5	&	&	CCONJ
afbr-70	283	6	okoye	okoye	PROPN
afbr-70	283	7	,	,	PUNCT
afbr-70	283	8	n.	n.	NOUN
afbr-70	283	9	(	(	PUNCT
afbr-70	283	10	2017	2017	NUM
afbr-70	283	11	)	)	PUNCT
afbr-70	283	12	.	.	PUNCT
afbr-70	284	1	microfinance	microfinance	NOUN
afbr-70	284	2	regulation	regulation	NOUN
afbr-70	284	3	and	and	CCONJ
afbr-70	284	4	social	social	ADJ
afbr-70	284	5	sustainability	sustainability	NOUN
afbr-70	284	6	of	of	ADP
afbr-70	284	7	microfinance	microfinance	NOUN
afbr-70	284	8	institutions	institution	NOUN
afbr-70	284	9	:	:	PUNCT
afbr-70	284	10	the	the	DET
afbr-70	284	11	case	case	NOUN
afbr-70	284	12	of	of	ADP
afbr-70	284	13	nigeria	nigeria	PROPN
afbr-70	284	14	and	and	CCONJ
afbr-70	284	15	zambia	zambia	PROPN
afbr-70	284	16	.	.	PUNCT
afbr-70	285	1	annals	annal	NOUN
afbr-70	285	2	of	of	ADP
afbr-70	285	3	public	public	ADJ
afbr-70	285	4	and	and	CCONJ
afbr-70	285	5	cooperative	cooperative	ADJ
afbr-70	285	6	economics	economic	NOUN
afbr-70	285	7	.	.	PUNCT
afbr-70	286	1	taiwo	taiwo	PROPN
afbr-70	286	2	,	,	PUNCT
afbr-70	286	3	j.	j.	PROPN
afbr-70	286	4	n.	n.	PROPN
afbr-70	286	5	,	,	PUNCT
afbr-70	286	6	alege	alege	PROPN
afbr-70	286	7	,	,	PUNCT
afbr-70	286	8	p.	p.	PROPN
afbr-70	286	9	o.	o.	PROPN
afbr-70	286	10	,	,	PUNCT
afbr-70	286	11	&	&	CCONJ
afbr-70	286	12	olokoyo	olokoyo	PROPN
afbr-70	286	13	,	,	PUNCT
afbr-70	286	14	f.	f.	PROPN
afbr-70	286	15	o.	o.	PROPN
afbr-70	286	16	(	(	PUNCT
afbr-70	286	17	2016	2016	NUM
afbr-70	286	18	)	)	PUNCT
afbr-70	286	19	.	.	PUNCT
afbr-70	287	1	microfinancing	microfinancing	NOUN
afbr-70	287	2	and	and	CCONJ
afbr-70	287	3	micro	micro	NOUN
afbr-70	287	4	-	-	NOUN
afbr-70	287	5	enterprises	enterprise	NOUN
afbr-70	287	6	growth	growth	NOUN
afbr-70	287	7	in	in	ADP
afbr-70	287	8	nigeria	nigeria	PROPN
afbr-70	287	9	.	.	PUNCT
afbr-70	288	1	lagos	lagos	PROPN
afbr-70	288	2	journal	journal	PROPN
afbr-70	288	3	of	of	ADP
afbr-70	288	4	banking	banking	NOUN
afbr-70	288	5	,	,	PUNCT
afbr-70	288	6	finance	finance	NOUN
afbr-70	288	7	&	&	CCONJ
afbr-70	288	8	economic	economic	ADJ
afbr-70	288	9	,	,	PUNCT
afbr-70	288	10	3(1	3(1	NUM
afbr-70	288	11	)	)	PUNCT
afbr-70	288	12	,	,	PUNCT
afbr-70	288	13	87	87	NUM
afbr-70	288	14	-	-	SYM
afbr-70	288	15	119	119	NUM
afbr-70	288	16	.	.	PUNCT
afbr-70	289	1	taiwo	taiwo	PROPN
afbr-70	289	2	,	,	PUNCT
afbr-70	289	3	j.	j.	PROPN
afbr-70	289	4	n.	n.	PROPN
afbr-70	289	5	,	,	PUNCT
afbr-70	289	6	yewande	yewande	NOUN
afbr-70	289	7	,	,	PUNCT
afbr-70	289	8	o.	o.	PROPN
afbr-70	289	9	a.	a.	PROPN
afbr-70	289	10	,	,	PUNCT
afbr-70	289	11	edwin	edwin	PROPN
afbr-70	289	12	,	,	PUNCT
afbr-70	289	13	a.	a.	NOUN
afbr-70	289	14	m.	m.	NOUN
afbr-70	289	15	,	,	PUNCT
afbr-70	289	16	&	&	CCONJ
afbr-70	289	17	benson	benson	PROPN
afbr-70	289	18	,	,	PUNCT
afbr-70	289	19	k.	k.	PROPN
afbr-70	289	20	n.	n.	PROPN
afbr-70	289	21	(	(	PUNCT
afbr-70	289	22	2016	2016	NUM
afbr-70	289	23	)	)	PUNCT
afbr-70	289	24	.	.	PUNCT
afbr-70	290	1	the	the	DET
afbr-70	290	2	role	role	NOUN
afbr-70	290	3	of	of	ADP
afbr-70	290	4	microfinance	microfinance	NOUN
afbr-70	290	5	institutions	institution	NOUN
afbr-70	290	6	in	in	ADP
afbr-70	290	7	financing	finance	VERB
afbr-70	290	8	small	small	ADJ
afbr-70	290	9	businesses	business	NOUN
afbr-70	290	10	.	.	PUNCT
afbr-70	291	1	journal	journal	PROPN
afbr-70	291	2	of	of	ADP
afbr-70	291	3	internet	internet	NOUN
afbr-70	291	4	banking	banking	NOUN
afbr-70	291	5	and	and	CCONJ
afbr-70	291	6	commerce	commerce	NOUN
afbr-70	291	7	,	,	PUNCT
afbr-70	291	8	21(1	21(1	NUM
afbr-70	291	9	)	)	PUNCT
afbr-70	291	10	,	,	PUNCT
afbr-70	291	11	1	1	X
afbr-70	291	12	.	.	X
afbr-70	291	13	tansey	tansey	NOUN
afbr-70	291	14	,	,	PUNCT
afbr-70	291	15	o.	o.	PROPN
afbr-70	291	16	(	(	PUNCT
afbr-70	291	17	2007	2007	NUM
afbr-70	291	18	)	)	PUNCT
afbr-70	291	19	.	.	PUNCT
afbr-70	292	1	process	process	NOUN
afbr-70	292	2	tracing	trace	VERB
afbr-70	292	3	and	and	CCONJ
afbr-70	292	4	elite	elite	ADJ
afbr-70	292	5	interviewing	interview	VERB
afbr-70	292	6	:	:	PUNCT
afbr-70	292	7	a	a	DET
afbr-70	292	8	case	case	NOUN
afbr-70	292	9	for	for	ADP
afbr-70	292	10	non	non	ADJ
afbr-70	292	11	-	-	NOUN
afbr-70	292	12	probability	probability	NOUN
afbr-70	292	13	:	:	PUNCT
afbr-70	292	14	political	political	ADJ
afbr-70	292	15	science	science	NOUN
afbr-70	292	16	and	and	CCONJ
afbr-70	292	17	politics	politic	NOUN
afbr-70	292	18	,	,	PUNCT
afbr-70	292	19	40	40	NUM
afbr-70	292	20	,	,	PUNCT
afbr-70	292	21	(	(	PUNCT
afbr-70	292	22	4	4	NUM
afbr-70	292	23	)	)	PUNCT
afbr-70	292	24	.	.	PUNCT
afbr-70	293	1	yahaya	yahaya	PROPN
afbr-70	293	2	,	,	PUNCT
afbr-70	293	3	k.	k.	PROPN
afbr-70	293	4	a.	a.	PROPN
afbr-70	293	5	,	,	PUNCT
afbr-70	293	6	&	&	CCONJ
afbr-70	293	7	osemene	osemene	NOUN
afbr-70	293	8	,	,	PUNCT
afbr-70	293	9	o.	o.	PROPN
afbr-70	293	10	f.	f.	PROPN
afbr-70	293	11	(	(	PUNCT
afbr-70	293	12	2011	2011	NUM
afbr-70	293	13	)	)	PUNCT
afbr-70	293	14	.	.	PUNCT
afbr-70	294	1	effectiveness	effectiveness	NOUN
afbr-70	294	2	of	of	ADP
afbr-70	294	3	microfinance	microfinance	NOUN
afbr-70	294	4	banks	bank	NOUN
afbr-70	294	5	in	in	ADP
afbr-70	294	6	alleviating	alleviate	VERB
afbr-70	294	7	poverty	poverty	NOUN
afbr-70	294	8	in	in	ADP
afbr-70	294	9	kwara	kwara	PROPN
afbr-70	294	10	state	state	PROPN
afbr-70	294	11	nigeria	nigeria	PROPN
afbr-70	294	12	.	.	PUNCT
afbr-70	295	1	global	global	ADJ
afbr-70	295	2	journal	journal	PROPN
afbr-70	295	3	of	of	ADP
afbr-70	295	4	management	management	NOUN
afbr-70	295	5	and	and	CCONJ
afbr-70	295	6	business	business	NOUN
afbr-70	295	7	research	research	NOUN
afbr-70	295	8	,	,	PUNCT
afbr-70	295	9	11(4	11(4	NUM
afbr-70	295	10	)	)	PUNCT
afbr-70	295	11	.	.	PUNCT
afbr-70	296	1	copyrights	copyright	VERB
afbr-70	296	2	copyright	copyright	NOUN
afbr-70	296	3	for	for	ADP
afbr-70	296	4	this	this	DET
afbr-70	296	5	article	article	NOUN
afbr-70	296	6	is	be	AUX
afbr-70	296	7	retained	retain	VERB
afbr-70	296	8	by	by	ADP
afbr-70	296	9	the	the	DET
afbr-70	296	10	author(s	author(s	PROPN
afbr-70	296	11	)	)	PUNCT
afbr-70	296	12	,	,	PUNCT
afbr-70	296	13	with	with	ADP
afbr-70	296	14	first	first	ADJ
afbr-70	296	15	publication	publication	NOUN
afbr-70	296	16	rights	right	NOUN
afbr-70	296	17	granted	grant	VERB
afbr-70	296	18	to	to	ADP
afbr-70	296	19	the	the	DET
afbr-70	296	20	journal	journal	NOUN
afbr-70	296	21	.	.	PUNCT