id	sid	tid	token	lemma	pos
bae-3263	1	1	bio	bio	NOUN
bae-3263	1	2	-	-	PUNCT
bae-3263	1	3	based	base	VERB
bae-3263	1	4	and	and	CCONJ
bae-3263	1	5	applied	apply	VERB
bae-3263	1	6	economics	economic	NOUN
bae-3263	1	7	3(3	3(3	NUM
bae-3263	1	8	):	):	PUNCT
bae-3263	1	9	271	271	NUM
bae-3263	1	10	-	-	SYM
bae-3263	1	11	283	283	NUM
bae-3263	1	12	,	,	PUNCT
bae-3263	1	13	2014	2014	NUM
bae-3263	1	14	issn	issn	PROPN
bae-3263	1	15	2280	2280	NUM
bae-3263	1	16	-	-	SYM
bae-3263	1	17	6180	6180	NUM
bae-3263	1	18	(	(	PUNCT
bae-3263	1	19	print	print	NOUN
bae-3263	1	20	)	)	PUNCT
bae-3263	1	21	©	©	PROPN
bae-3263	1	22	firenze	firenze	PROPN
bae-3263	1	23	university	university	PROPN
bae-3263	1	24	press	press	NOUN
bae-3263	1	25	issn	issn	VERB
bae-3263	1	26	2280	2280	NUM
bae-3263	1	27	-	-	SYM
bae-3263	1	28	6172	6172	NUM
bae-3263	1	29	(	(	PUNCT
bae-3263	1	30	online	online	ADJ
bae-3263	1	31	)	)	PUNCT
bae-3263	1	32	www.fupress.com/bae	www.fupress.com/bae	PROPN
bae-3263	1	33	full	full	ADJ
bae-3263	1	34	research	research	NOUN
bae-3263	1	35	article	article	NOUN
bae-3263	1	36	doi	doi	NOUN
bae-3263	1	37	:	:	PUNCT
bae-3263	1	38	10.13128	10.13128	NUM
bae-3263	1	39	/	/	SYM
bae-3263	1	40	bae-13551	bae-13551	NOUN
bae-3263	1	41	performance	performance	NOUN
bae-3263	1	42	and	and	CCONJ
bae-3263	1	43	productivity	productivity	NOUN
bae-3263	1	44	changes	change	NOUN
bae-3263	1	45	in	in	ADP
bae-3263	1	46	microfinance	microfinance	NOUN
bae-3263	1	47	banks	bank	NOUN
bae-3263	1	48	in	in	ADP
bae-3263	1	49	south	south	PROPN
bae-3263	1	50	-	-	PUNCT
bae-3263	1	51	west	west	PROPN
bae-3263	1	52	nigeria	nigeria	PROPN
bae-3263	1	53	musa	musa	PROPN
bae-3263	1	54	a.	a.	PROPN
bae-3263	1	55	olasupo1	olasupo1	PROPN
bae-3263	1	56	,	,	PUNCT
bae-3263	1	57	*	*	PROPN
bae-3263	1	58	,	,	PUNCT
bae-3263	1	59	caroline	caroline	PROPN
bae-3263	1	60	a.	a.	PROPN
bae-3263	1	61	afolami2	afolami2	PROPN
bae-3263	1	62	,	,	PUNCT
bae-3263	1	63	adebayo	adebayo	PROPN
bae-3263	1	64	m.	m.	PROPN
bae-3263	1	65	shittu2	shittu2	PROPN
bae-3263	1	66	,	,	PUNCT
bae-3263	1	67	a.a.a	a.a.a	PROPN
bae-3263	1	68	.	.	PUNCT
bae-3263	2	1	agboola3	agboola3	PROPN
bae-3263	2	2	1	1	NUM
bae-3263	2	3	development	development	NOUN
bae-3263	2	4	finance	finance	NOUN
bae-3263	2	5	office	office	NOUN
bae-3263	2	6	,	,	PUNCT
bae-3263	2	7	central	central	ADJ
bae-3263	2	8	bank	bank	PROPN
bae-3263	2	9	of	of	ADP
bae-3263	2	10	nigeria	nigeria	PROPN
bae-3263	2	11	,	,	PUNCT
bae-3263	2	12	abeokuta	abeokuta	PROPN
bae-3263	2	13	.	.	PUNCT
bae-3263	3	1	ogun	ogun	PROPN
bae-3263	3	2	state	state	PROPN
bae-3263	3	3	,	,	PUNCT
bae-3263	3	4	nigeria	nigeria	PROPN
bae-3263	3	5	2	2	NUM
bae-3263	3	6	department	department	NOUN
bae-3263	3	7	of	of	ADP
bae-3263	3	8	agricultural	agricultural	ADJ
bae-3263	3	9	economics	economic	NOUN
bae-3263	3	10	and	and	CCONJ
bae-3263	3	11	farm	farm	NOUN
bae-3263	3	12	management	management	NOUN
bae-3263	3	13	,	,	PUNCT
bae-3263	3	14	federal	federal	ADJ
bae-3263	3	15	university	university	PROPN
bae-3263	3	16	of	of	ADP
bae-3263	3	17	agriculture	agriculture	PROPN
bae-3263	3	18	,	,	PUNCT
bae-3263	3	19	abeokuta	abeokuta	PROPN
bae-3263	3	20	,	,	PUNCT
bae-3263	3	21	ogun	ogun	PROPN
bae-3263	3	22	state	state	PROPN
bae-3263	3	23	,	,	PUNCT
bae-3263	3	24	nigeria	nigeria	PROPN
bae-3263	3	25	3	3	NUM
bae-3263	3	26	department	department	NOUN
bae-3263	3	27	of	of	ADP
bae-3263	3	28	mathematics	mathematics	PROPN
bae-3263	3	29	,	,	PUNCT
bae-3263	3	30	federal	federal	ADJ
bae-3263	3	31	university	university	PROPN
bae-3263	3	32	of	of	ADP
bae-3263	3	33	agriculture	agriculture	PROPN
bae-3263	3	34	,	,	PUNCT
bae-3263	3	35	abeokuta	abeokuta	PROPN
bae-3263	3	36	,	,	PUNCT
bae-3263	3	37	ogun	ogun	PROPN
bae-3263	3	38	state	state	PROPN
bae-3263	3	39	,	,	PUNCT
bae-3263	3	40	nigeria	nigeria	PROPN
bae-3263	3	41	abstract	abstract	ADJ
bae-3263	3	42	.	.	PUNCT
bae-3263	4	1	the	the	DET
bae-3263	4	2	nigerian	nigerian	ADJ
bae-3263	4	3	microfinance	microfinance	NOUN
bae-3263	4	4	sub	sub	NOUN
bae-3263	4	5	-	-	NOUN
bae-3263	4	6	sector	sector	NOUN
bae-3263	4	7	is	be	AUX
bae-3263	4	8	yet	yet	ADV
bae-3263	4	9	to	to	PART
bae-3263	4	10	attain	attain	VERB
bae-3263	4	11	the	the	DET
bae-3263	4	12	desired	desire	VERB
bae-3263	4	13	level	level	NOUN
bae-3263	4	14	of	of	ADP
bae-3263	4	15	global	global	ADJ
bae-3263	4	16	best	good	ADJ
bae-3263	4	17	practice	practice	NOUN
bae-3263	4	18	.	.	PUNCT
bae-3263	5	1	this	this	DET
bae-3263	5	2	paper	paper	NOUN
bae-3263	5	3	thus	thus	ADV
bae-3263	5	4	investigated	investigate	VERB
bae-3263	5	5	the	the	DET
bae-3263	5	6	performance	performance	NOUN
bae-3263	5	7	and	and	CCONJ
bae-3263	5	8	productivity	productivity	NOUN
bae-3263	5	9	changes	change	NOUN
bae-3263	5	10	of	of	ADP
bae-3263	5	11	mfbs	mfbs	NOUN
bae-3263	5	12	in	in	ADP
bae-3263	5	13	south	south	PROPN
bae-3263	5	14	-	-	PUNCT
bae-3263	5	15	west	west	PROPN
bae-3263	5	16	nigeria	nigeria	PROPN
bae-3263	5	17	,	,	PUNCT
bae-3263	5	18	from	from	ADP
bae-3263	5	19	2006	2006	NUM
bae-3263	5	20	to	to	ADP
bae-3263	5	21	2010	2010	NUM
bae-3263	5	22	,	,	PUNCT
bae-3263	5	23	having	having	AUX
bae-3263	5	24	had	have	VERB
bae-3263	5	25	the	the	DET
bae-3263	5	26	microfinance	microfinance	NOUN
bae-3263	5	27	policy	policy	NOUN
bae-3263	5	28	launched	launch	VERB
bae-3263	5	29	in	in	ADP
bae-3263	5	30	2004	2004	NUM
bae-3263	5	31	.	.	PUNCT
bae-3263	6	1	from	from	ADP
bae-3263	6	2	the	the	DET
bae-3263	6	3	use	use	NOUN
bae-3263	6	4	of	of	ADP
bae-3263	6	5	relevant	relevant	ADJ
bae-3263	6	6	accounting	accounting	NOUN
bae-3263	6	7	ratios	ratio	NOUN
bae-3263	6	8	,	,	PUNCT
bae-3263	6	9	the	the	DET
bae-3263	6	10	study	study	NOUN
bae-3263	6	11	revealed	reveal	VERB
bae-3263	6	12	that	that	SCONJ
bae-3263	6	13	only	only	ADV
bae-3263	6	14	16	16	NUM
bae-3263	6	15	%	%	NOUN
bae-3263	6	16	of	of	ADP
bae-3263	6	17	the	the	DET
bae-3263	6	18	sampled	sample	VERB
bae-3263	6	19	mfbs	mfbs	NOUN
bae-3263	6	20	met	meet	VERB
bae-3263	6	21	the	the	DET
bae-3263	6	22	recommended	recommend	VERB
bae-3263	6	23	maximum	maximum	ADJ
bae-3263	6	24	par	par	NOUN
bae-3263	6	25	value	value	NOUN
bae-3263	6	26	of	of	ADP
bae-3263	6	27	5	5	NUM
bae-3263	6	28	%	%	NOUN
bae-3263	6	29	in	in	ADP
bae-3263	6	30	2006	2006	NUM
bae-3263	6	31	.	.	PUNCT
bae-3263	7	1	it	it	PRON
bae-3263	7	2	was	be	AUX
bae-3263	7	3	also	also	ADV
bae-3263	7	4	revealed	reveal	VERB
bae-3263	7	5	that	that	SCONJ
bae-3263	7	6	31	31	NUM
bae-3263	7	7	%	%	NOUN
bae-3263	7	8	of	of	ADP
bae-3263	7	9	the	the	DET
bae-3263	7	10	sampled	sample	VERB
bae-3263	7	11	mfbs	mfbs	NOUN
bae-3263	7	12	reported	report	VERB
bae-3263	7	13	a	a	DET
bae-3263	7	14	debt	debt	NOUN
bae-3263	7	15	/	/	SYM
bae-3263	7	16	equity	equity	NOUN
bae-3263	7	17	ratio	ratio	NOUN
bae-3263	7	18	above	above	ADP
bae-3263	7	19	the	the	DET
bae-3263	7	20	recommended	recommend	VERB
bae-3263	7	21	value	value	NOUN
bae-3263	7	22	of	of	ADP
bae-3263	7	23	2	2	NUM
bae-3263	7	24	in	in	ADP
bae-3263	7	25	2006	2006	NUM
bae-3263	7	26	,	,	PUNCT
bae-3263	7	27	while	while	SCONJ
bae-3263	7	28	32	32	NUM
bae-3263	7	29	%	%	NOUN
bae-3263	7	30	had	have	VERB
bae-3263	7	31	gearing	gearing	NOUN
bae-3263	7	32	of	of	ADP
bae-3263	7	33	over	over	ADP
bae-3263	7	34	2	2	NUM
bae-3263	7	35	in	in	ADP
bae-3263	7	36	2010	2010	NUM
bae-3263	7	37	.	.	PUNCT
bae-3263	8	1	the	the	DET
bae-3263	8	2	malmquist	malmquist	PROPN
bae-3263	8	3	productivity	productivity	NOUN
bae-3263	8	4	index	index	NOUN
bae-3263	8	5	revealed	reveal	VERB
bae-3263	8	6	that	that	SCONJ
bae-3263	8	7	the	the	DET
bae-3263	8	8	mfbs	mfbs	NOUN
bae-3263	8	9	experienced	experience	VERB
bae-3263	8	10	fluctuating	fluctuating	NOUN
bae-3263	8	11	performances	performance	NOUN
bae-3263	8	12	in	in	ADP
bae-3263	8	13	their	their	PRON
bae-3263	8	14	productivity	productivity	NOUN
bae-3263	8	15	changes	change	NOUN
bae-3263	8	16	,	,	PUNCT
bae-3263	8	17	with	with	ADP
bae-3263	8	18	pure	pure	ADJ
bae-3263	8	19	technical	technical	ADJ
bae-3263	8	20	efficiency	efficiency	NOUN
bae-3263	8	21	improvements	improvement	NOUN
bae-3263	8	22	in	in	ADP
bae-3263	8	23	2007	2007	NUM
bae-3263	8	24	and	and	CCONJ
bae-3263	8	25	2009	2009	NUM
bae-3263	8	26	.	.	PUNCT
bae-3263	9	1	overall	overall	ADV
bae-3263	9	2	,	,	PUNCT
bae-3263	9	3	the	the	DET
bae-3263	9	4	performance	performance	NOUN
bae-3263	9	5	and	and	CCONJ
bae-3263	9	6	productivity	productivity	NOUN
bae-3263	9	7	changes	change	NOUN
bae-3263	9	8	experienced	experience	VERB
bae-3263	9	9	by	by	ADP
bae-3263	9	10	the	the	DET
bae-3263	9	11	mfbs	mfbs	NOUN
bae-3263	9	12	depicted	depict	VERB
bae-3263	9	13	a	a	DET
bae-3263	9	14	sub	sub	NOUN
bae-3263	9	15	-	-	NOUN
bae-3263	9	16	sector	sector	NOUN
bae-3263	9	17	with	with	ADP
bae-3263	9	18	huge	huge	ADJ
bae-3263	9	19	potentials	potential	NOUN
bae-3263	9	20	and	and	CCONJ
bae-3263	9	21	hence	hence	ADV
bae-3263	9	22	require	require	VERB
bae-3263	9	23	nurturing	nurture	VERB
bae-3263	9	24	to	to	PART
bae-3263	9	25	achieve	achieve	VERB
bae-3263	9	26	its	its	PRON
bae-3263	9	27	goals	goal	NOUN
bae-3263	9	28	.	.	PUNCT
bae-3263	10	1	keywords	keyword	NOUN
bae-3263	10	2	.	.	PUNCT
bae-3263	11	1	microfinance	microfinance	NOUN
bae-3263	11	2	banks	bank	NOUN
bae-3263	11	3	,	,	PUNCT
bae-3263	11	4	performance	performance	NOUN
bae-3263	11	5	,	,	PUNCT
bae-3263	11	6	malmquist	malmquist	PROPN
bae-3263	11	7	productivity	productivity	NOUN
bae-3263	11	8	index	index	PROPN
bae-3263	11	9	,	,	PUNCT
bae-3263	11	10	productivity	productivity	NOUN
bae-3263	11	11	changes	change	NOUN
bae-3263	11	12	.	.	PUNCT
bae-3263	12	1	jel	jel	PROPN
bae-3263	12	2	codes	code	NOUN
bae-3263	12	3	.	.	PUNCT
bae-3263	13	1	o16	o16	PRON
bae-3263	13	2	1	1	NUM
bae-3263	13	3	.	.	PUNCT
bae-3263	13	4	introduction	introduction	NOUN
bae-3263	13	5	microfinance	microfinance	NOUN
bae-3263	13	6	institutions	institution	NOUN
bae-3263	13	7	(	(	PUNCT
bae-3263	13	8	mfis	mfis	PROPN
bae-3263	13	9	)	)	PUNCT
bae-3263	13	10	in	in	ADP
bae-3263	13	11	sub	sub	ADJ
bae-3263	13	12	-	-	ADJ
bae-3263	13	13	saharan	saharan	ADJ
bae-3263	13	14	africa	africa	PROPN
bae-3263	13	15	comprises	comprise	VERB
bae-3263	13	16	a	a	DET
bae-3263	13	17	variety	variety	NOUN
bae-3263	13	18	of	of	ADP
bae-3263	13	19	diverse	diverse	ADJ
bae-3263	13	20	and	and	CCONJ
bae-3263	13	21	geographically	geographically	ADV
bae-3263	13	22	dispersed	disperse	VERB
bae-3263	13	23	institutions	institution	NOUN
bae-3263	13	24	that	that	PRON
bae-3263	13	25	offer	offer	VERB
bae-3263	13	26	financial	financial	ADJ
bae-3263	13	27	services	service	NOUN
bae-3263	13	28	to	to	ADP
bae-3263	13	29	low	low	ADJ
bae-3263	13	30	-	-	PUNCT
bae-3263	13	31	income	income	NOUN
bae-3263	13	32	clients	client	NOUN
bae-3263	13	33	:	:	PUNCT
bae-3263	13	34	non	non	ADJ
bae-3263	13	35	-	-	ADJ
bae-3263	13	36	governmental	governmental	ADJ
bae-3263	13	37	organizations	organization	NOUN
bae-3263	13	38	(	(	PUNCT
bae-3263	13	39	ngos	ngo	NOUN
bae-3263	13	40	)	)	PUNCT
bae-3263	13	41	,	,	PUNCT
bae-3263	13	42	non	non	ADJ
bae-3263	13	43	-	-	ADJ
bae-3263	13	44	bank	bank	ADJ
bae-3263	13	45	financial	financial	ADJ
bae-3263	13	46	institutions	institution	NOUN
bae-3263	13	47	,	,	PUNCT
bae-3263	13	48	cooperatives	cooperative	NOUN
bae-3263	13	49	,	,	PUNCT
bae-3263	13	50	rural	rural	ADJ
bae-3263	13	51	banks	bank	NOUN
bae-3263	13	52	,	,	PUNCT
bae-3263	13	53	savings	saving	NOUN
bae-3263	13	54	and	and	CCONJ
bae-3263	13	55	postal	postal	ADJ
bae-3263	13	56	financial	financial	ADJ
bae-3263	13	57	institutions	institution	NOUN
bae-3263	13	58	,	,	PUNCT
bae-3263	13	59	microfinance	microfinance	NOUN
bae-3263	13	60	banks	bank	NOUN
bae-3263	13	61	(	(	PUNCT
bae-3263	13	62	mfbs	mfbs	PROPN
bae-3263	13	63	)	)	PUNCT
bae-3263	13	64	and	and	CCONJ
bae-3263	13	65	an	an	DET
bae-3263	13	66	increasing	increase	VERB
bae-3263	13	67	number	number	NOUN
bae-3263	13	68	of	of	ADP
bae-3263	13	69	deposit	deposit	NOUN
bae-3263	13	70	money	money	NOUN
bae-3263	13	71	banks	bank	NOUN
bae-3263	13	72	(	(	PUNCT
bae-3263	13	73	dmbs	dmb	NOUN
bae-3263	13	74	)	)	PUNCT
bae-3263	13	75	.	.	PUNCT
bae-3263	14	1	mfis	mfis	PROPN
bae-3263	14	2	provide	provide	VERB
bae-3263	14	3	a	a	DET
bae-3263	14	4	range	range	NOUN
bae-3263	14	5	of	of	ADP
bae-3263	14	6	financial	financial	ADJ
bae-3263	14	7	services	service	NOUN
bae-3263	14	8	(	(	PUNCT
bae-3263	14	9	loans	loan	NOUN
bae-3263	14	10	,	,	PUNCT
bae-3263	14	11	savings	saving	NOUN
bae-3263	14	12	,	,	PUNCT
bae-3263	14	13	micro	micro	NOUN
bae-3263	14	14	-	-	NOUN
bae-3263	14	15	insurance	insurance	ADJ
bae-3263	14	16	,	,	PUNCT
bae-3263	14	17	micro	micro	NOUN
bae-3263	14	18	-	-	ADJ
bae-3263	14	19	leasing	leasing	ADJ
bae-3263	14	20	,	,	PUNCT
bae-3263	14	21	funds	fund	NOUN
bae-3263	14	22	transfer	transfer	NOUN
bae-3263	14	23	,	,	PUNCT
bae-3263	14	24	pension	pension	NOUN
bae-3263	14	25	services	service	NOUN
bae-3263	14	26	etc	etc	X
bae-3263	14	27	.	.	X
bae-3263	14	28	)	)	PUNCT
bae-3263	14	29	to	to	ADP
bae-3263	14	30	poor	poor	ADJ
bae-3263	14	31	households	household	NOUN
bae-3263	14	32	.	.	PUNCT
bae-3263	15	1	their	their	PRON
bae-3263	15	2	worldwide	worldwide	ADJ
bae-3263	15	3	growth	growth	NOUN
bae-3263	15	4	in	in	ADP
bae-3263	15	5	numbers	number	NOUN
bae-3263	15	6	has	have	AUX
bae-3263	15	7	had	have	VERB
bae-3263	15	8	a	a	DET
bae-3263	15	9	positive	positive	ADJ
bae-3263	15	10	impact	impact	NOUN
bae-3263	15	11	by	by	ADP
bae-3263	15	12	providing	provide	VERB
bae-3263	15	13	the	the	DET
bae-3263	15	14	poor	poor	ADJ
bae-3263	15	15	with	with	ADP
bae-3263	15	16	microfinance	microfinance	NOUN
bae-3263	15	17	services	service	NOUN
bae-3263	15	18	and	and	CCONJ
bae-3263	15	19	has	have	AUX
bae-3263	15	20	helped	help	VERB
bae-3263	15	21	create	create	VERB
bae-3263	15	22	an	an	DET
bae-3263	15	23	encouraging	encouraging	ADJ
bae-3263	15	24	socio	socio	NOUN
bae-3263	15	25	-	-	PUNCT
bae-3263	15	26	economic	economic	ADJ
bae-3263	15	27	environment	environment	NOUN
bae-3263	15	28	for	for	ADP
bae-3263	15	29	many	many	ADJ
bae-3263	15	30	households	household	NOUN
bae-3263	15	31	of	of	ADP
bae-3263	15	32	these	these	DET
bae-3263	15	33	developing	develop	VERB
bae-3263	15	34	countries	country	NOUN
bae-3263	15	35	.	.	PUNCT
bae-3263	16	1	*	*	PUNCT
bae-3263	16	2	corresponding	correspond	VERB
bae-3263	16	3	author	author	NOUN
bae-3263	16	4	:	:	PUNCT
bae-3263	16	5	maolasupo@cbn.gov.ng	maolasupo@cbn.gov.ng	NOUN
bae-3263	16	6	.	.	PUNCT
bae-3263	17	1	272	272	NUM
bae-3263	17	2	m.a	m.a	PROPN
bae-3263	17	3	.	.	PROPN
bae-3263	17	4	olasupo	olasupo	PROPN
bae-3263	17	5	,	,	PUNCT
bae-3263	17	6	c.a	c.a	PROPN
bae-3263	17	7	.	.	PROPN
bae-3263	17	8	afolami	afolami	PROPN
bae-3263	17	9	,	,	PUNCT
bae-3263	17	10	a.m.	a.m.	PROPN
bae-3263	17	11	shittu	shittu	PROPN
bae-3263	17	12	,	,	PUNCT
bae-3263	17	13	a.a.a	a.a.a	PROPN
bae-3263	17	14	.	.	PUNCT
bae-3263	17	15	agboola	agboola	PROPN
bae-3263	17	16	the	the	DET
bae-3263	17	17	nature	nature	NOUN
bae-3263	17	18	of	of	ADP
bae-3263	17	19	these	these	DET
bae-3263	17	20	institutions	institution	NOUN
bae-3263	17	21	is	be	AUX
bae-3263	17	22	quite	quite	ADV
bae-3263	17	23	different	different	ADJ
bae-3263	17	24	from	from	ADP
bae-3263	17	25	traditional	traditional	ADJ
bae-3263	17	26	financial	financial	ADJ
bae-3263	17	27	institutions	institution	NOUN
bae-3263	17	28	(	(	PUNCT
bae-3263	17	29	deposit	deposit	NOUN
bae-3263	17	30	money	money	NOUN
bae-3263	17	31	banks	bank	NOUN
bae-3263	17	32	)	)	PUNCT
bae-3263	17	33	as	as	SCONJ
bae-3263	17	34	they	they	PRON
bae-3263	17	35	are	be	AUX
bae-3263	17	36	smaller	small	ADJ
bae-3263	17	37	in	in	ADP
bae-3263	17	38	size	size	NOUN
bae-3263	17	39	,	,	PUNCT
bae-3263	17	40	limited	limit	VERB
bae-3263	17	41	in	in	ADP
bae-3263	17	42	their	their	PRON
bae-3263	17	43	services	service	NOUN
bae-3263	17	44	towards	towards	ADP
bae-3263	17	45	the	the	DET
bae-3263	17	46	poor	poor	ADJ
bae-3263	17	47	households	household	NOUN
bae-3263	17	48	and	and	CCONJ
bae-3263	17	49	often	often	ADV
bae-3263	17	50	provide	provide	VERB
bae-3263	17	51	small	small	ADJ
bae-3263	17	52	collateral	collateral	NOUN
bae-3263	17	53	-	-	PUNCT
bae-3263	17	54	free	free	ADJ
bae-3263	17	55	group	group	NOUN
bae-3263	17	56	loans	loan	NOUN
bae-3263	17	57	.	.	PUNCT
bae-3263	18	1	the	the	DET
bae-3263	18	2	basic	basic	ADJ
bae-3263	18	3	operational	operational	ADJ
bae-3263	18	4	objectives	objective	NOUN
bae-3263	18	5	of	of	ADP
bae-3263	18	6	mfis	mfis	PROPN
bae-3263	18	7	revolve	revolve	NOUN
bae-3263	18	8	around	around	ADP
bae-3263	18	9	two	two	NUM
bae-3263	18	10	approaches	approach	NOUN
bae-3263	18	11	or	or	CCONJ
bae-3263	18	12	paradigms	paradigms	VERB
bae-3263	18	13	namely	namely	ADV
bae-3263	18	14	the	the	DET
bae-3263	18	15	“	"	PUNCT
bae-3263	18	16	institutionist	institutionist	NOUN
bae-3263	18	17	”	"	PUNCT
bae-3263	18	18	and	and	CCONJ
bae-3263	18	19	the	the	DET
bae-3263	18	20	“	"	PUNCT
bae-3263	18	21	welfarist	welfarist	NOUN
bae-3263	18	22	paradigms	paradigms	PROPN
bae-3263	18	23	”	"	PUNCT
bae-3263	18	24	.	.	PUNCT
bae-3263	19	1	the	the	DET
bae-3263	19	2	“	"	PUNCT
bae-3263	19	3	institutionist	institutionist	ADJ
bae-3263	19	4	paradigm	paradigm	NOUN
bae-3263	19	5	”	"	PUNCT
bae-3263	19	6	,	,	PUNCT
bae-3263	19	7	which	which	PRON
bae-3263	19	8	affirms	affirm	VERB
bae-3263	19	9	that	that	SCONJ
bae-3263	19	10	mfis	mfis	PROPN
bae-3263	19	11	should	should	AUX
bae-3263	19	12	generate	generate	VERB
bae-3263	19	13	enough	enough	ADJ
bae-3263	19	14	revenue	revenue	NOUN
bae-3263	19	15	to	to	PART
bae-3263	19	16	meet	meet	VERB
bae-3263	19	17	their	their	PRON
bae-3263	19	18	operating	operating	NOUN
bae-3263	19	19	and	and	CCONJ
bae-3263	19	20	financing	financing	NOUN
bae-3263	19	21	costs	cost	NOUN
bae-3263	19	22	and	and	CCONJ
bae-3263	19	23	the	the	DET
bae-3263	19	24	“	"	PUNCT
bae-3263	19	25	welfarist	welfarist	NOUN
bae-3263	19	26	paradigm	paradigm	NOUN
bae-3263	19	27	”	"	PUNCT
bae-3263	19	28	,	,	PUNCT
bae-3263	19	29	which	which	PRON
bae-3263	19	30	includes	include	VERB
bae-3263	19	31	a	a	DET
bae-3263	19	32	focus	focus	NOUN
bae-3263	19	33	on	on	ADP
bae-3263	19	34	poverty	poverty	NOUN
bae-3263	19	35	alleviation	alleviation	NOUN
bae-3263	19	36	and	and	CCONJ
bae-3263	19	37	depth	depth	NOUN
bae-3263	19	38	of	of	ADP
bae-3263	19	39	outreach	outreach	NOUN
bae-3263	19	40	along	along	ADV
bae-3263	19	41	with	with	ADP
bae-3263	19	42	achieving	achieve	VERB
bae-3263	19	43	financial	financial	ADJ
bae-3263	19	44	sustainability	sustainability	NOUN
bae-3263	19	45	.	.	PUNCT
bae-3263	20	1	brau	brau	PROPN
bae-3263	20	2	and	and	CCONJ
bae-3263	20	3	woller	woller	NOUN
bae-3263	20	4	(	(	PUNCT
bae-3263	20	5	2004	2004	NUM
bae-3263	20	6	)	)	PUNCT
bae-3263	20	7	posited	posit	VERB
bae-3263	20	8	that	that	SCONJ
bae-3263	20	9	an	an	DET
bae-3263	20	10	efficient	efficient	ADJ
bae-3263	20	11	mfi	mfi	PROPN
bae-3263	20	12	management	management	NOUN
bae-3263	20	13	should	should	AUX
bae-3263	20	14	promote	promote	VERB
bae-3263	20	15	these	these	DET
bae-3263	20	16	two	two	NUM
bae-3263	20	17	objectives	objective	NOUN
bae-3263	20	18	.	.	PUNCT
bae-3263	21	1	vetrivel	vetrivel	ADJ
bae-3263	21	2	and	and	CCONJ
bae-3263	21	3	kumarmangalam	kumarmangalam	PROPN
bae-3263	21	4	(	(	PUNCT
bae-3263	21	5	2010	2010	NUM
bae-3263	21	6	)	)	PUNCT
bae-3263	21	7	submitted	submit	VERB
bae-3263	21	8	that	that	SCONJ
bae-3263	21	9	the	the	DET
bae-3263	21	10	fundamental	fundamental	ADJ
bae-3263	21	11	problem	problem	NOUN
bae-3263	21	12	is	be	AUX
bae-3263	21	13	not	not	PART
bae-3263	21	14	so	so	ADV
bae-3263	21	15	much	much	ADJ
bae-3263	21	16	of	of	ADP
bae-3263	21	17	unaffordable	unaffordable	ADJ
bae-3263	21	18	terms	term	NOUN
bae-3263	21	19	of	of	ADP
bae-3263	21	20	loans	loan	NOUN
bae-3263	21	21	as	as	ADP
bae-3263	21	22	the	the	DET
bae-3263	21	23	lack	lack	NOUN
bae-3263	21	24	of	of	ADP
bae-3263	21	25	access	access	NOUN
bae-3263	21	26	to	to	ADP
bae-3263	21	27	credit	credit	NOUN
bae-3263	21	28	itself	itself	PRON
bae-3263	21	29	.	.	PUNCT
bae-3263	22	1	the	the	DET
bae-3263	22	2	lack	lack	NOUN
bae-3263	22	3	of	of	ADP
bae-3263	22	4	access	access	NOUN
bae-3263	22	5	to	to	ADP
bae-3263	22	6	credit	credit	NOUN
bae-3263	22	7	for	for	ADP
bae-3263	22	8	the	the	DET
bae-3263	22	9	poor	poor	ADJ
bae-3263	22	10	is	be	AUX
bae-3263	22	11	attributable	attributable	ADJ
bae-3263	22	12	to	to	ADP
bae-3263	22	13	practical	practical	ADJ
bae-3263	22	14	difficulties	difficulty	NOUN
bae-3263	22	15	largely	largely	ADV
bae-3263	22	16	due	due	ADJ
bae-3263	22	17	to	to	ADP
bae-3263	22	18	the	the	DET
bae-3263	22	19	discrepancy	discrepancy	NOUN
bae-3263	22	20	between	between	ADP
bae-3263	22	21	the	the	DET
bae-3263	22	22	mode	mode	NOUN
bae-3263	22	23	of	of	ADP
bae-3263	22	24	operation	operation	NOUN
bae-3263	22	25	followed	follow	VERB
bae-3263	22	26	by	by	ADP
bae-3263	22	27	financial	financial	ADJ
bae-3263	22	28	institutions	institution	NOUN
bae-3263	22	29	and	and	CCONJ
bae-3263	22	30	the	the	DET
bae-3263	22	31	economic	economic	ADJ
bae-3263	22	32	characteristics	characteristic	NOUN
bae-3263	22	33	and	and	CCONJ
bae-3263	22	34	financing	financing	NOUN
bae-3263	22	35	needs	need	NOUN
bae-3263	22	36	of	of	ADP
bae-3263	22	37	low	low	ADJ
bae-3263	22	38	-	-	PUNCT
bae-3263	22	39	income	income	NOUN
bae-3263	22	40	households	household	NOUN
bae-3263	22	41	.	.	PUNCT
bae-3263	23	1	they	they	PRON
bae-3263	23	2	concluded	conclude	VERB
bae-3263	23	3	that	that	SCONJ
bae-3263	23	4	microfinance	microfinance	NOUN
bae-3263	23	5	institutions	institution	NOUN
bae-3263	23	6	(	(	PUNCT
bae-3263	23	7	mfis	mfis	PROPN
bae-3263	23	8	)	)	PUNCT
bae-3263	23	9	worldwide	worldwide	ADV
bae-3263	23	10	have	have	AUX
bae-3263	23	11	shown	show	VERB
bae-3263	23	12	that	that	SCONJ
bae-3263	23	13	micro	micro	ADJ
bae-3263	23	14	enterprises	enterprise	NOUN
bae-3263	23	15	loans	loan	NOUN
bae-3263	23	16	can	can	AUX
bae-3263	23	17	be	be	AUX
bae-3263	23	18	profitable	profitable	ADJ
bae-3263	23	19	for	for	ADP
bae-3263	23	20	borrowers	borrower	NOUN
bae-3263	23	21	and	and	CCONJ
bae-3263	23	22	lenders	lender	NOUN
bae-3263	23	23	alike	alike	ADV
bae-3263	23	24	,	,	PUNCT
bae-3263	23	25	making	make	VERB
bae-3263	23	26	microfinance	microfinance	NOUN
bae-3263	23	27	one	one	NUM
bae-3263	23	28	of	of	ADP
bae-3263	23	29	the	the	DET
bae-3263	23	30	most	most	ADV
bae-3263	23	31	effective	effective	ADJ
bae-3263	23	32	poverty	poverty	NOUN
bae-3263	23	33	reducing	reduce	VERB
bae-3263	23	34	strategies	strategy	NOUN
bae-3263	23	35	.	.	PUNCT
bae-3263	24	1	lafourcade	lafourcade	NOUN
bae-3263	24	2	et	et	PROPN
bae-3263	24	3	al	al	PROPN
bae-3263	24	4	.	.	PROPN
bae-3263	25	1	(	(	PUNCT
bae-3263	25	2	2005	2005	NUM
bae-3263	25	3	)	)	PUNCT
bae-3263	25	4	reported	report	VERB
bae-3263	25	5	that	that	SCONJ
bae-3263	25	6	mfis	mfis	PROPN
bae-3263	25	7	in	in	ADP
bae-3263	25	8	africa	africa	PROPN
bae-3263	25	9	are	be	AUX
bae-3263	25	10	dynamic	dynamic	ADJ
bae-3263	25	11	and	and	CCONJ
bae-3263	25	12	growing	grow	VERB
bae-3263	25	13	.	.	PUNCT
bae-3263	26	1	in	in	ADP
bae-3263	26	2	their	their	PRON
bae-3263	26	3	study	study	NOUN
bae-3263	26	4	,	,	PUNCT
bae-3263	26	5	they	they	PRON
bae-3263	26	6	confirmed	confirm	VERB
bae-3263	26	7	that	that	SCONJ
bae-3263	26	8	african	african	PROPN
bae-3263	26	9	mfis	mfis	PROPN
bae-3263	26	10	are	be	AUX
bae-3263	26	11	among	among	ADP
bae-3263	26	12	the	the	DET
bae-3263	26	13	most	most	ADV
bae-3263	26	14	productive	productive	NOUN
bae-3263	26	15	globally	globally	ADV
bae-3263	26	16	,	,	PUNCT
bae-3263	26	17	as	as	SCONJ
bae-3263	26	18	measured	measure	VERB
bae-3263	26	19	by	by	ADP
bae-3263	26	20	the	the	DET
bae-3263	26	21	number	number	NOUN
bae-3263	26	22	of	of	ADP
bae-3263	26	23	borrowers	borrower	NOUN
bae-3263	26	24	and	and	CCONJ
bae-3263	26	25	savers	saver	NOUN
bae-3263	26	26	by	by	ADP
bae-3263	26	27	staff	staff	NOUN
bae-3263	26	28	member	member	NOUN
bae-3263	26	29	among	among	ADP
bae-3263	26	30	other	other	ADJ
bae-3263	26	31	positive	positive	ADJ
bae-3263	26	32	indices	index	NOUN
bae-3263	26	33	.	.	PUNCT
bae-3263	27	1	they	they	PRON
bae-3263	27	2	also	also	ADV
bae-3263	27	3	noted	note	VERB
bae-3263	27	4	that	that	SCONJ
bae-3263	27	5	african	african	PROPN
bae-3263	27	6	mfis	mfis	PROPN
bae-3263	27	7	face	face	VERB
bae-3263	27	8	many	many	ADJ
bae-3263	27	9	challenges	challenge	NOUN
bae-3263	27	10	.	.	PUNCT
bae-3263	28	1	technological	technological	ADJ
bae-3263	28	2	innovations	innovation	NOUN
bae-3263	28	3	,	,	PUNCT
bae-3263	28	4	product	product	NOUN
bae-3263	28	5	refinements	refinement	NOUN
bae-3263	28	6	,	,	PUNCT
bae-3263	28	7	and	and	CCONJ
bae-3263	28	8	ongoing	ongoing	ADJ
bae-3263	28	9	efforts	effort	NOUN
bae-3263	28	10	to	to	PART
bae-3263	28	11	strengthen	strengthen	VERB
bae-3263	28	12	the	the	DET
bae-3263	28	13	capacity	capacity	NOUN
bae-3263	28	14	of	of	ADP
bae-3263	28	15	african	african	ADJ
bae-3263	28	16	mfis	mfis	PROPN
bae-3263	28	17	are	be	AUX
bae-3263	28	18	needed	need	VERB
bae-3263	28	19	to	to	PART
bae-3263	28	20	reduce	reduce	VERB
bae-3263	28	21	costs	cost	NOUN
bae-3263	28	22	,	,	PUNCT
bae-3263	28	23	increase	increase	VERB
bae-3263	28	24	outreach	outreach	NOUN
bae-3263	28	25	,	,	PUNCT
bae-3263	28	26	and	and	CCONJ
bae-3263	28	27	boost	boost	VERB
bae-3263	28	28	overall	overall	ADJ
bae-3263	28	29	profitability	profitability	NOUN
bae-3263	28	30	.	.	PUNCT
bae-3263	29	1	these	these	PRON
bae-3263	29	2	further	far	ADV
bae-3263	29	3	underscore	underscore	VERB
bae-3263	29	4	the	the	DET
bae-3263	29	5	need	need	NOUN
bae-3263	29	6	to	to	PART
bae-3263	29	7	increase	increase	VERB
bae-3263	29	8	the	the	DET
bae-3263	29	9	service	service	NOUN
bae-3263	29	10	delivery	delivery	NOUN
bae-3263	29	11	capacity	capacity	NOUN
bae-3263	29	12	of	of	ADP
bae-3263	29	13	these	these	DET
bae-3263	29	14	mfis	mfis	NOUN
bae-3263	29	15	amidst	amidst	ADP
bae-3263	29	16	the	the	DET
bae-3263	29	17	enormous	enormous	ADJ
bae-3263	29	18	potential	potential	NOUN
bae-3263	29	19	in	in	ADP
bae-3263	29	20	the	the	DET
bae-3263	29	21	market	market	NOUN
bae-3263	29	22	.	.	PUNCT
bae-3263	30	1	in	in	ADP
bae-3263	30	2	recognition	recognition	NOUN
bae-3263	30	3	of	of	ADP
bae-3263	30	4	the	the	DET
bae-3263	30	5	important	important	ADJ
bae-3263	30	6	roles	role	NOUN
bae-3263	30	7	of	of	ADP
bae-3263	30	8	microfinance	microfinance	NOUN
bae-3263	30	9	in	in	ADP
bae-3263	30	10	the	the	DET
bae-3263	30	11	overall	overall	ADJ
bae-3263	30	12	development	development	NOUN
bae-3263	30	13	of	of	ADP
bae-3263	30	14	the	the	DET
bae-3263	30	15	nigerian	nigerian	ADJ
bae-3263	30	16	economy	economy	NOUN
bae-3263	30	17	,	,	PUNCT
bae-3263	30	18	the	the	DET
bae-3263	30	19	federal	federal	ADJ
bae-3263	30	20	government	government	NOUN
bae-3263	30	21	of	of	ADP
bae-3263	30	22	nigeria	nigeria	PROPN
bae-3263	30	23	launched	launch	VERB
bae-3263	30	24	a	a	DET
bae-3263	30	25	microfinance	microfinance	NOUN
bae-3263	30	26	policy	policy	NOUN
bae-3263	30	27	for	for	ADP
bae-3263	30	28	nigeria	nigeria	PROPN
bae-3263	30	29	in	in	ADP
bae-3263	30	30	the	the	DET
bae-3263	30	31	year	year	NOUN
bae-3263	30	32	2005	2005	NUM
bae-3263	30	33	.	.	PUNCT
bae-3263	31	1	the	the	DET
bae-3263	31	2	microfinance	microfinance	NOUN
bae-3263	31	3	policy	policy	NOUN
bae-3263	31	4	,	,	PUNCT
bae-3263	31	5	regulatory	regulatory	ADJ
bae-3263	31	6	and	and	CCONJ
bae-3263	31	7	supervisory	supervisory	ADJ
bae-3263	31	8	framework	framework	NOUN
bae-3263	31	9	for	for	ADP
bae-3263	31	10	nigeria	nigeria	PROPN
bae-3263	31	11	was	be	AUX
bae-3263	31	12	one	one	NUM
bae-3263	31	13	of	of	ADP
bae-3263	31	14	the	the	DET
bae-3263	31	15	key	key	ADJ
bae-3263	31	16	innovations	innovation	NOUN
bae-3263	31	17	adopted	adopt	VERB
bae-3263	31	18	to	to	PART
bae-3263	31	19	diversify	diversify	VERB
bae-3263	31	20	the	the	DET
bae-3263	31	21	supply	supply	NOUN
bae-3263	31	22	axis	axis	NOUN
bae-3263	31	23	of	of	ADP
bae-3263	31	24	the	the	DET
bae-3263	31	25	financial	financial	ADJ
bae-3263	31	26	market	market	NOUN
bae-3263	31	27	with	with	ADP
bae-3263	31	28	a	a	DET
bae-3263	31	29	major	major	ADJ
bae-3263	31	30	policy	policy	NOUN
bae-3263	31	31	thrust	thrust	NOUN
bae-3263	31	32	of	of	ADP
bae-3263	31	33	significantly	significantly	ADV
bae-3263	31	34	enhancing	enhance	VERB
bae-3263	31	35	the	the	DET
bae-3263	31	36	latent	latent	NOUN
bae-3263	31	37	capacity	capacity	NOUN
bae-3263	31	38	of	of	ADP
bae-3263	31	39	the	the	DET
bae-3263	31	40	poor	poor	ADJ
bae-3263	31	41	for	for	ADP
bae-3263	31	42	entrepreneurship	entrepreneurship	NOUN
bae-3263	31	43	through	through	ADP
bae-3263	31	44	the	the	DET
bae-3263	31	45	provision	provision	NOUN
bae-3263	31	46	of	of	ADP
bae-3263	31	47	microfinance	microfinance	NOUN
bae-3263	31	48	services	service	NOUN
bae-3263	31	49	to	to	PART
bae-3263	31	50	enable	enable	VERB
bae-3263	31	51	them	they	PRON
bae-3263	31	52	engage	engage	VERB
bae-3263	31	53	in	in	ADP
bae-3263	31	54	economic	economic	ADJ
bae-3263	31	55	activities	activity	NOUN
bae-3263	31	56	and	and	CCONJ
bae-3263	31	57	be	be	AUX
bae-3263	31	58	more	more	ADV
bae-3263	31	59	self	self	NOUN
bae-3263	31	60	-	-	PUNCT
bae-3263	31	61	reliant	reliant	ADJ
bae-3263	31	62	,	,	PUNCT
bae-3263	31	63	increase	increase	VERB
bae-3263	31	64	employment	employment	NOUN
bae-3263	31	65	opportunities	opportunity	NOUN
bae-3263	31	66	,	,	PUNCT
bae-3263	31	67	enhance	enhance	VERB
bae-3263	31	68	household	household	NOUN
bae-3263	31	69	income	income	NOUN
bae-3263	31	70	and	and	CCONJ
bae-3263	31	71	create	create	VERB
bae-3263	31	72	wealth	wealth	NOUN
bae-3263	31	73	(	(	PUNCT
bae-3263	31	74	cbn	cbn	PROPN
bae-3263	31	75	,	,	PUNCT
bae-3263	31	76	2005	2005	NUM
bae-3263	31	77	)	)	PUNCT
bae-3263	31	78	.	.	PUNCT
bae-3263	32	1	mfbs	mfbs	PROPN
bae-3263	32	2	are	be	AUX
bae-3263	32	3	expected	expect	VERB
bae-3263	32	4	to	to	PART
bae-3263	32	5	empower	empower	VERB
bae-3263	32	6	the	the	DET
bae-3263	32	7	economic	economic	ADJ
bae-3263	32	8	active	active	ADJ
bae-3263	32	9	poor	poor	ADJ
bae-3263	32	10	in	in	ADP
bae-3263	32	11	the	the	DET
bae-3263	32	12	grassroots	grassroot	NOUN
bae-3263	32	13	especially	especially	ADV
bae-3263	32	14	those	those	PRON
bae-3263	32	15	that	that	PRON
bae-3263	32	16	do	do	AUX
bae-3263	32	17	not	not	PART
bae-3263	32	18	have	have	VERB
bae-3263	32	19	access	access	NOUN
bae-3263	32	20	to	to	ADP
bae-3263	32	21	the	the	DET
bae-3263	32	22	conventional	conventional	ADJ
bae-3263	32	23	banks	bank	NOUN
bae-3263	32	24	.	.	PUNCT
bae-3263	33	1	the	the	DET
bae-3263	33	2	major	major	ADJ
bae-3263	33	3	economic	economic	ADJ
bae-3263	33	4	activity	activity	NOUN
bae-3263	33	5	of	of	ADP
bae-3263	33	6	these	these	DET
bae-3263	33	7	targeted	target	VERB
bae-3263	33	8	clients	client	NOUN
bae-3263	33	9	is	be	AUX
bae-3263	33	10	agriculture	agriculture	NOUN
bae-3263	33	11	or	or	CCONJ
bae-3263	33	12	agro	agro	NOUN
bae-3263	33	13	-	-	PUNCT
bae-3263	33	14	allied	allied	ADJ
bae-3263	33	15	as	as	SCONJ
bae-3263	33	16	they	they	PRON
bae-3263	33	17	are	be	AUX
bae-3263	33	18	mostly	mostly	ADV
bae-3263	33	19	involved	involve	VERB
bae-3263	33	20	in	in	ADP
bae-3263	33	21	various	various	ADJ
bae-3263	33	22	nodes	node	NOUN
bae-3263	33	23	of	of	ADP
bae-3263	33	24	the	the	DET
bae-3263	33	25	agricultural	agricultural	ADJ
bae-3263	33	26	value	value	NOUN
bae-3263	33	27	chain	chain	NOUN
bae-3263	33	28	.	.	PUNCT
bae-3263	34	1	the	the	DET
bae-3263	34	2	agriculture	agriculture	NOUN
bae-3263	34	3	and	and	CCONJ
bae-3263	34	4	agro	agro	ADJ
bae-3263	34	5	-	-	PUNCT
bae-3263	34	6	allied	ally	VERB
bae-3263	34	7	activities	activity	NOUN
bae-3263	34	8	covered	cover	VERB
bae-3263	34	9	by	by	ADP
bae-3263	34	10	the	the	DET
bae-3263	34	11	mfbs	mfbs	NOUN
bae-3263	34	12	include	include	VERB
bae-3263	34	13	:	:	PUNCT
bae-3263	34	14	crop	crop	NOUN
bae-3263	34	15	production	production	NOUN
bae-3263	34	16	,	,	PUNCT
bae-3263	34	17	animal	animal	NOUN
bae-3263	34	18	husbandry	husbandry	NOUN
bae-3263	34	19	,	,	PUNCT
bae-3263	34	20	cassava	cassava	NOUN
bae-3263	34	21	processing	processing	NOUN
bae-3263	34	22	,	,	PUNCT
bae-3263	34	23	feed	feed	NOUN
bae-3263	34	24	milling	milling	NOUN
bae-3263	34	25	etc	etc	X
bae-3263	34	26	.	.	X
bae-3263	34	27	cbn	cbn	PROPN
bae-3263	34	28	(	(	PUNCT
bae-3263	34	29	2012	2012	NUM
bae-3263	34	30	)	)	PUNCT
bae-3263	34	31	gave	give	VERB
bae-3263	34	32	the	the	DET
bae-3263	34	33	breakdown	breakdown	NOUN
bae-3263	34	34	of	of	ADP
bae-3263	34	35	the	the	DET
bae-3263	34	36	sectoral	sectoral	ADJ
bae-3263	34	37	funding	funding	NOUN
bae-3263	34	38	by	by	ADP
bae-3263	34	39	mfbs	mfbs	PROPN
bae-3263	34	40	as	as	ADP
bae-3263	34	41	:	:	PUNCT
bae-3263	34	42	agriculture	agriculture	NOUN
bae-3263	34	43	and	and	CCONJ
bae-3263	34	44	forestry	forestry	NOUN
bae-3263	34	45	(	(	PUNCT
bae-3263	34	46	6.31	6.31	NUM
bae-3263	34	47	%	%	NOUN
bae-3263	34	48	)	)	PUNCT
bae-3263	34	49	;	;	PUNCT
bae-3263	34	50	mining	mining	NOUN
bae-3263	34	51	and	and	CCONJ
bae-3263	34	52	quarrying	quarry	VERB
bae-3263	34	53	(	(	PUNCT
bae-3263	34	54	0.65	0.65	NUM
bae-3263	34	55	%	%	NOUN
bae-3263	34	56	)	)	PUNCT
bae-3263	34	57	;	;	PUNCT
bae-3263	34	58	manufacturing	manufacturing	NOUN
bae-3263	34	59	and	and	CCONJ
bae-3263	34	60	food	food	NOUN
bae-3263	34	61	processing	processing	NOUN
bae-3263	34	62	(	(	PUNCT
bae-3263	34	63	3.10	3.10	NUM
bae-3263	34	64	%	%	NOUN
bae-3263	34	65	)	)	PUNCT
bae-3263	34	66	;	;	PUNCT
bae-3263	34	67	real	real	ADJ
bae-3263	34	68	estate	estate	NOUN
bae-3263	34	69	and	and	CCONJ
bae-3263	34	70	construction	construction	NOUN
bae-3263	34	71	(	(	PUNCT
bae-3263	34	72	5.27	5.27	NUM
bae-3263	34	73	%	%	NOUN
bae-3263	34	74	)	)	PUNCT
bae-3263	34	75	;	;	PUNCT
bae-3263	34	76	transport	transport	NOUN
bae-3263	34	77	and	and	CCONJ
bae-3263	34	78	commerce	commerce	PROPN
bae-3263	34	79	(	(	PUNCT
bae-3263	34	80	74.60	74.60	NUM
bae-3263	34	81	%	%	NOUN
bae-3263	34	82	)	)	PUNCT
bae-3263	34	83	;	;	PUNCT
bae-3263	34	84	and	and	CCONJ
bae-3263	34	85	others	other	NOUN
bae-3263	34	86	(	(	PUNCT
bae-3263	34	87	10.07	10.07	NUM
bae-3263	34	88	%	%	NOUN
bae-3263	34	89	)	)	PUNCT
bae-3263	34	90	.	.	PUNCT
bae-3263	35	1	hence	hence	ADV
bae-3263	35	2	,	,	PUNCT
bae-3263	35	3	a	a	DET
bae-3263	35	4	meaningful	meaningful	ADJ
bae-3263	35	5	effort	effort	NOUN
bae-3263	35	6	to	to	PART
bae-3263	35	7	improve	improve	VERB
bae-3263	35	8	their	their	PRON
bae-3263	35	9	economic	economic	ADJ
bae-3263	35	10	prowess	prowess	NOUN
bae-3263	35	11	could	could	AUX
bae-3263	35	12	help	help	VERB
bae-3263	35	13	jump	jump	VERB
bae-3263	35	14	-	-	PUNCT
bae-3263	35	15	start	start	VERB
bae-3263	35	16	the	the	DET
bae-3263	35	17	agricultural	agricultural	ADJ
bae-3263	35	18	revolution	revolution	NOUN
bae-3263	35	19	.	.	PUNCT
bae-3263	36	1	kulik	kulik	PROPN
bae-3263	36	2	and	and	CCONJ
bae-3263	36	3	molinari	molinari	PROPN
bae-3263	36	4	(	(	PUNCT
bae-3263	36	5	2004	2004	NUM
bae-3263	36	6	)	)	PUNCT
bae-3263	36	7	suggested	suggest	VERB
bae-3263	36	8	that	that	SCONJ
bae-3263	36	9	for	for	SCONJ
bae-3263	36	10	mfis	mfis	NOUN
bae-3263	36	11	to	to	PART
bae-3263	36	12	meet	meet	VERB
bae-3263	36	13	this	this	DET
bae-3263	36	14	huge	huge	ADJ
bae-3263	36	15	potential	potential	NOUN
bae-3263	36	16	,	,	PUNCT
bae-3263	36	17	it	it	PRON
bae-3263	36	18	is	be	AUX
bae-3263	36	19	critical	critical	ADJ
bae-3263	36	20	that	that	SCONJ
bae-3263	36	21	they	they	PRON
bae-3263	36	22	achieve	achieve	VERB
bae-3263	36	23	financial	financial	ADJ
bae-3263	36	24	self	self	NOUN
bae-3263	36	25	-	-	PUNCT
bae-3263	36	26	sustainability	sustainability	NOUN
bae-3263	36	27	with	with	ADP
bae-3263	36	28	little	little	ADJ
bae-3263	36	29	or	or	CCONJ
bae-3263	36	30	no	no	PRON
bae-3263	36	31	dependence	dependence	NOUN
bae-3263	36	32	on	on	ADP
bae-3263	36	33	donor	donor	NOUN
bae-3263	36	34	273performance	273performance	PROPN
bae-3263	36	35	and	and	CCONJ
bae-3263	36	36	productivity	productivity	NOUN
bae-3263	36	37	changes	change	NOUN
bae-3263	36	38	funds	fund	NOUN
bae-3263	36	39	.	.	PUNCT
bae-3263	37	1	the	the	DET
bae-3263	37	2	further	far	ADV
bae-3263	37	3	stated	state	VERB
bae-3263	37	4	that	that	SCONJ
bae-3263	37	5	despite	despite	SCONJ
bae-3263	37	6	the	the	DET
bae-3263	37	7	excellent	excellent	ADJ
bae-3263	37	8	prospects	prospect	NOUN
bae-3263	37	9	of	of	ADP
bae-3263	37	10	the	the	DET
bae-3263	37	11	sector	sector	NOUN
bae-3263	37	12	,	,	PUNCT
bae-3263	37	13	with	with	ADP
bae-3263	37	14	low	low	ADJ
bae-3263	37	15	loan	loan	NOUN
bae-3263	37	16	default	default	NOUN
bae-3263	37	17	rates	rate	NOUN
bae-3263	37	18	and	and	CCONJ
bae-3263	37	19	untapped	untapped	ADJ
bae-3263	37	20	demand	demand	NOUN
bae-3263	37	21	for	for	ADP
bae-3263	37	22	financial	financial	ADJ
bae-3263	37	23	services	service	NOUN
bae-3263	37	24	by	by	ADP
bae-3263	37	25	low	low	ADJ
bae-3263	37	26	-	-	PUNCT
bae-3263	37	27	income	income	NOUN
bae-3263	37	28	groups	group	NOUN
bae-3263	37	29	,	,	PUNCT
bae-3263	37	30	only	only	ADV
bae-3263	37	31	1	1	NUM
bae-3263	37	32	%	%	NOUN
bae-3263	37	33	of	of	ADP
bae-3263	37	34	the	the	DET
bae-3263	37	35	mfis	mfis	NOUN
bae-3263	37	36	are	be	AUX
bae-3263	37	37	self	self	NOUN
bae-3263	37	38	-	-	PUNCT
bae-3263	37	39	sustainable	sustainable	ADJ
bae-3263	37	40	and	and	CCONJ
bae-3263	37	41	average	average	ADJ
bae-3263	37	42	adjusted	adjusted	ADJ
bae-3263	37	43	return	return	NOUN
bae-3263	37	44	on	on	ADP
bae-3263	37	45	asset	asset	NOUN
bae-3263	37	46	(	(	PUNCT
bae-3263	37	47	roa	roa	PROPN
bae-3263	37	48	)	)	PUNCT
bae-3263	37	49	is	be	AUX
bae-3263	37	50	still	still	ADV
bae-3263	37	51	negative	negative	ADJ
bae-3263	37	52	across	across	ADP
bae-3263	37	53	all	all	DET
bae-3263	37	54	continents	continent	NOUN
bae-3263	37	55	.	.	PUNCT
bae-3263	38	1	the	the	PRON
bae-3263	38	2	also	also	ADV
bae-3263	38	3	highlighted	highlight	VERB
bae-3263	38	4	the	the	DET
bae-3263	38	5	mfi	mfi	PROPN
bae-3263	38	6	’s	’s	PART
bae-3263	38	7	lack	lack	NOUN
bae-3263	38	8	of	of	ADP
bae-3263	38	9	access	access	NOUN
bae-3263	38	10	to	to	ADP
bae-3263	38	11	recent	recent	ADJ
bae-3263	38	12	technology	technology	NOUN
bae-3263	38	13	as	as	ADP
bae-3263	38	14	a	a	DET
bae-3263	38	15	prime	prime	ADJ
bae-3263	38	16	reason	reason	NOUN
bae-3263	38	17	for	for	ADP
bae-3263	38	18	their	their	PRON
bae-3263	38	19	poor	poor	ADJ
bae-3263	38	20	performance	performance	NOUN
bae-3263	38	21	.	.	PUNCT
bae-3263	39	1	this	this	DET
bae-3263	39	2	submission	submission	NOUN
bae-3263	39	3	was	be	AUX
bae-3263	39	4	buttressed	buttress	VERB
bae-3263	39	5	by	by	ADP
bae-3263	39	6	frankiewicz	frankiewicz	PROPN
bae-3263	39	7	(	(	PUNCT
bae-3263	39	8	2003	2003	NUM
bae-3263	39	9	)	)	PUNCT
bae-3263	39	10	,	,	PUNCT
bae-3263	39	11	who	who	PRON
bae-3263	39	12	posited	posit	VERB
bae-3263	39	13	that	that	DET
bae-3263	39	14	information	information	NOUN
bae-3263	39	15	technology	technology	NOUN
bae-3263	39	16	(	(	PUNCT
bae-3263	39	17	it	it	PRON
bae-3263	39	18	)	)	PUNCT
bae-3263	39	19	can	can	AUX
bae-3263	39	20	be	be	AUX
bae-3263	39	21	a	a	DET
bae-3263	39	22	strategic	strategic	ADJ
bae-3263	39	23	tool	tool	NOUN
bae-3263	39	24	for	for	ADP
bae-3263	39	25	microfinance	microfinance	NOUN
bae-3263	39	26	in	in	ADP
bae-3263	39	27	africa	africa	PROPN
bae-3263	39	28	.	.	PUNCT
bae-3263	40	1	it	it	PRON
bae-3263	40	2	can	can	AUX
bae-3263	40	3	facilitate	facilitate	VERB
bae-3263	40	4	more	more	ADV
bae-3263	40	5	efficient	efficient	ADJ
bae-3263	40	6	and	and	CCONJ
bae-3263	40	7	effective	effective	ADJ
bae-3263	40	8	collection	collection	NOUN
bae-3263	40	9	,	,	PUNCT
bae-3263	40	10	processing	processing	NOUN
bae-3263	40	11	and	and	CCONJ
bae-3263	40	12	use	use	NOUN
bae-3263	40	13	of	of	ADP
bae-3263	40	14	data	datum	NOUN
bae-3263	40	15	;	;	PUNCT
bae-3263	40	16	it	it	PRON
bae-3263	40	17	exposes	expose	VERB
bae-3263	40	18	microfinance	microfinance	NOUN
bae-3263	40	19	institutions	institution	NOUN
bae-3263	40	20	to	to	PART
bae-3263	40	21	offer	offer	VERB
bae-3263	40	22	new	new	ADJ
bae-3263	40	23	products	product	NOUN
bae-3263	40	24	and	and	CCONJ
bae-3263	40	25	better	well	ADJ
bae-3263	40	26	customer	customer	NOUN
bae-3263	40	27	service	service	NOUN
bae-3263	40	28	;	;	PUNCT
bae-3263	40	29	it	it	PRON
bae-3263	40	30	enables	enable	VERB
bae-3263	40	31	greater	great	ADJ
bae-3263	40	32	outreach	outreach	NOUN
bae-3263	40	33	;	;	PUNCT
bae-3263	40	34	and	and	CCONJ
bae-3263	40	35	facilitate	facilitate	NOUN
bae-3263	40	36	integration	integration	NOUN
bae-3263	40	37	with	with	ADP
bae-3263	40	38	the	the	DET
bae-3263	40	39	rest	rest	NOUN
bae-3263	40	40	of	of	ADP
bae-3263	40	41	the	the	DET
bae-3263	40	42	financial	financial	ADJ
bae-3263	40	43	sector	sector	NOUN
bae-3263	40	44	.	.	PUNCT
bae-3263	41	1	the	the	DET
bae-3263	41	2	global	global	ADJ
bae-3263	41	3	financial	financial	ADJ
bae-3263	41	4	crisis	crisis	NOUN
bae-3263	41	5	of	of	ADP
bae-3263	41	6	2007	2007	NUM
bae-3263	41	7	also	also	ADV
bae-3263	41	8	had	have	VERB
bae-3263	41	9	a	a	DET
bae-3263	41	10	significant	significant	ADJ
bae-3263	41	11	effect	effect	NOUN
bae-3263	41	12	on	on	ADP
bae-3263	41	13	microfinancing	microfinancing	NOUN
bae-3263	41	14	worlwide	worlwide	ADV
bae-3263	41	15	as	as	SCONJ
bae-3263	41	16	microfinance	microfinance	NOUN
bae-3263	41	17	institutions	institution	NOUN
bae-3263	41	18	experienced	experience	VERB
bae-3263	41	19	liquidity	liquidity	NOUN
bae-3263	41	20	crunches	crunch	NOUN
bae-3263	41	21	;	;	PUNCT
bae-3263	41	22	increased	increase	VERB
bae-3263	41	23	cost	cost	NOUN
bae-3263	41	24	of	of	ADP
bae-3263	41	25	funds	fund	NOUN
bae-3263	41	26	and	and	CCONJ
bae-3263	41	27	foreign	foreign	ADJ
bae-3263	41	28	exchange	exchange	NOUN
bae-3263	41	29	;	;	PUNCT
bae-3263	41	30	reduced	reduce	VERB
bae-3263	41	31	disposable	disposable	ADJ
bae-3263	41	32	income	income	NOUN
bae-3263	41	33	for	for	ADP
bae-3263	41	34	loan	loan	NOUN
bae-3263	41	35	beneficiaries	beneficiary	NOUN
bae-3263	41	36	and	and	CCONJ
bae-3263	41	37	an	an	DET
bae-3263	41	38	increase	increase	NOUN
bae-3263	41	39	in	in	ADP
bae-3263	41	40	portfolio	portfolio	NOUN
bae-3263	41	41	arrears	arrear	NOUN
bae-3263	41	42	(	(	PUNCT
bae-3263	41	43	kruijff	kruijff	NOUN
bae-3263	41	44	and	and	CCONJ
bae-3263	41	45	harstenstein	harstenstein	ADJ
bae-3263	41	46	,	,	PUNCT
bae-3263	41	47	2013	2013	NUM
bae-3263	41	48	)	)	PUNCT
bae-3263	41	49	.	.	PUNCT
bae-3263	42	1	the	the	DET
bae-3263	42	2	nigerian	nigerian	ADJ
bae-3263	42	3	microfinance	microfinance	NOUN
bae-3263	42	4	sub	sub	NOUN
bae-3263	42	5	-	-	NOUN
bae-3263	42	6	sector	sector	NOUN
bae-3263	42	7	was	be	AUX
bae-3263	42	8	not	not	PART
bae-3263	42	9	too	too	ADV
bae-3263	42	10	exposed	expose	VERB
bae-3263	42	11	to	to	ADP
bae-3263	42	12	these	these	DET
bae-3263	42	13	adversities	adversity	NOUN
bae-3263	42	14	due	due	ADP
bae-3263	42	15	to	to	ADP
bae-3263	42	16	the	the	DET
bae-3263	42	17	stringent	stringent	ADJ
bae-3263	42	18	regulatory	regulatory	ADJ
bae-3263	42	19	requirements	requirement	NOUN
bae-3263	42	20	that	that	PRON
bae-3263	42	21	guides	guide	VERB
bae-3263	42	22	their	their	PRON
bae-3263	42	23	operations	operation	NOUN
bae-3263	42	24	.	.	PUNCT
bae-3263	43	1	microfinance	microfinance	NOUN
bae-3263	43	2	banks	bank	NOUN
bae-3263	43	3	are	be	AUX
bae-3263	43	4	not	not	PART
bae-3263	43	5	involved	involve	VERB
bae-3263	43	6	in	in	ADP
bae-3263	43	7	foreign	foreign	ADJ
bae-3263	43	8	exchange	exchange	NOUN
bae-3263	43	9	transactions	transaction	NOUN
bae-3263	43	10	;	;	PUNCT
bae-3263	43	11	they	they	PRON
bae-3263	43	12	get	get	VERB
bae-3263	43	13	little	little	ADJ
bae-3263	43	14	or	or	CCONJ
bae-3263	43	15	nothing	nothing	PRON
bae-3263	43	16	as	as	ADP
bae-3263	43	17	grants	grant	NOUN
bae-3263	43	18	or	or	CCONJ
bae-3263	43	19	foreign	foreign	ADJ
bae-3263	43	20	aids	aid	NOUN
bae-3263	43	21	;	;	PUNCT
bae-3263	43	22	their	their	PRON
bae-3263	43	23	exposure	exposure	NOUN
bae-3263	43	24	to	to	ADP
bae-3263	43	25	credit	credit	NOUN
bae-3263	43	26	risks	risk	NOUN
bae-3263	43	27	is	be	AUX
bae-3263	43	28	also	also	ADV
bae-3263	43	29	limited	limit	VERB
bae-3263	43	30	due	due	ADP
bae-3263	43	31	to	to	ADP
bae-3263	43	32	their	their	PRON
bae-3263	43	33	low	low	ADJ
bae-3263	43	34	gearing	gearing	NOUN
bae-3263	43	35	.	.	PUNCT
bae-3263	44	1	however	however	ADV
bae-3263	44	2	,	,	PUNCT
bae-3263	44	3	they	they	PRON
bae-3263	44	4	were	be	AUX
bae-3263	44	5	not	not	PART
bae-3263	44	6	exempted	exempt	VERB
bae-3263	44	7	from	from	ADP
bae-3263	44	8	the	the	DET
bae-3263	44	9	rising	rise	VERB
bae-3263	44	10	portfolio	portfolio	NOUN
bae-3263	44	11	in	in	ADP
bae-3263	44	12	arrears	arrear	NOUN
bae-3263	44	13	due	due	ADP
bae-3263	44	14	to	to	ADP
bae-3263	44	15	the	the	DET
bae-3263	44	16	general	general	ADJ
bae-3263	44	17	reduction	reduction	NOUN
bae-3263	44	18	in	in	ADP
bae-3263	44	19	the	the	DET
bae-3263	44	20	disposal	disposal	NOUN
bae-3263	44	21	income	income	NOUN
bae-3263	44	22	of	of	ADP
bae-3263	44	23	their	their	PRON
bae-3263	44	24	beneficiaries	beneficiary	NOUN
bae-3263	44	25	.	.	PUNCT
bae-3263	45	1	this	this	DET
bae-3263	45	2	paper	paper	NOUN
bae-3263	45	3	will	will	AUX
bae-3263	45	4	seek	seek	VERB
bae-3263	45	5	to	to	PART
bae-3263	45	6	determine	determine	VERB
bae-3263	45	7	the	the	DET
bae-3263	45	8	performance	performance	NOUN
bae-3263	45	9	and	and	CCONJ
bae-3263	45	10	productivity	productivity	NOUN
bae-3263	45	11	changes	change	NOUN
bae-3263	45	12	of	of	ADP
bae-3263	45	13	microfinance	microfinance	NOUN
bae-3263	45	14	banks	bank	NOUN
bae-3263	45	15	in	in	ADP
bae-3263	45	16	south	south	NOUN
bae-3263	45	17	-	-	PUNCT
bae-3263	45	18	west	west	PROPN
bae-3263	45	19	nigeria	nigeria	PROPN
bae-3263	45	20	over	over	ADP
bae-3263	45	21	the	the	DET
bae-3263	45	22	period	period	NOUN
bae-3263	45	23	of	of	ADP
bae-3263	45	24	2006	2006	NUM
bae-3263	45	25	to	to	ADP
bae-3263	45	26	2010	2010	NUM
bae-3263	45	27	in	in	ADP
bae-3263	45	28	the	the	DET
bae-3263	45	29	light	light	NOUN
bae-3263	45	30	of	of	ADP
bae-3263	45	31	the	the	DET
bae-3263	45	32	central	central	ADJ
bae-3263	45	33	bank	bank	PROPN
bae-3263	45	34	of	of	ADP
bae-3263	45	35	nigeria	nigeria	PROPN
bae-3263	45	36	’s	’s	PART
bae-3263	45	37	(	(	PUNCT
bae-3263	45	38	cbn	cbn	PROPN
bae-3263	45	39	)	)	PUNCT
bae-3263	45	40	revocation	revocation	NOUN
bae-3263	45	41	exercise	exercise	NOUN
bae-3263	45	42	of	of	ADP
bae-3263	45	43	september	september	PROPN
bae-3263	45	44	2010	2010	NUM
bae-3263	45	45	that	that	PRON
bae-3263	45	46	revoked	revoke	VERB
bae-3263	45	47	the	the	DET
bae-3263	45	48	operating	operating	NOUN
bae-3263	45	49	licenses	license	NOUN
bae-3263	45	50	of	of	ADP
bae-3263	45	51	224	224	NUM
bae-3263	45	52	mfbs	mfbs	NOUN
bae-3263	45	53	after	after	ADP
bae-3263	45	54	the	the	DET
bae-3263	45	55	target	target	NOUN
bae-3263	45	56	examination	examination	NOUN
bae-3263	45	57	conducted	conduct	VERB
bae-3263	45	58	on	on	ADP
bae-3263	45	59	820	820	NUM
bae-3263	45	60	mfbs	mfbs	NOUN
bae-3263	45	61	.	.	PUNCT
bae-3263	46	1	the	the	DET
bae-3263	46	2	result	result	NOUN
bae-3263	46	3	of	of	ADP
bae-3263	46	4	the	the	DET
bae-3263	46	5	examination	examination	NOUN
bae-3263	46	6	showed	show	VERB
bae-3263	46	7	that	that	SCONJ
bae-3263	46	8	the	the	DET
bae-3263	46	9	affected	affect	VERB
bae-3263	46	10	banks	bank	NOUN
bae-3263	46	11	were	be	AUX
bae-3263	46	12	‘	'	PUNCT
bae-3263	46	13	terminally	terminally	ADV
bae-3263	46	14	distressed	distressed	ADJ
bae-3263	46	15	’	'	PUNCT
bae-3263	46	16	and	and	CCONJ
bae-3263	46	17	‘	'	PUNCT
bae-3263	46	18	technically	technically	ADV
bae-3263	46	19	insolvent	insolvent	ADJ
bae-3263	46	20	’	'	PUNCT
bae-3263	46	21	and/or	and/or	CCONJ
bae-3263	46	22	had	have	AUX
bae-3263	46	23	closed	close	VERB
bae-3263	46	24	shop	shop	NOUN
bae-3263	46	25	for	for	ADP
bae-3263	46	26	at	at	ADV
bae-3263	46	27	least	least	ADV
bae-3263	46	28	six	six	NUM
bae-3263	46	29	months	month	NOUN
bae-3263	46	30	.	.	PUNCT
bae-3263	47	1	some	some	PRON
bae-3263	47	2	of	of	ADP
bae-3263	47	3	the	the	DET
bae-3263	47	4	factors	factor	NOUN
bae-3263	47	5	adduced	adduce	VERB
bae-3263	47	6	for	for	ADP
bae-3263	47	7	their	their	PRON
bae-3263	47	8	failure	failure	NOUN
bae-3263	47	9	among	among	ADP
bae-3263	47	10	others	other	NOUN
bae-3263	47	11	include	include	VERB
bae-3263	47	12	:	:	PUNCT
bae-3263	47	13	high	high	ADJ
bae-3263	47	14	level	level	NOUN
bae-3263	47	15	of	of	ADP
bae-3263	47	16	non	non	ADJ
bae-3263	47	17	-	-	ADJ
bae-3263	47	18	performing	performing	ADJ
bae-3263	47	19	loans	loan	NOUN
bae-3263	47	20	,	,	PUNCT
bae-3263	47	21	resulting	result	VERB
bae-3263	47	22	in	in	ADP
bae-3263	47	23	high	high	ADJ
bae-3263	47	24	portfolio	portfolio	NOUN
bae-3263	47	25	at	at	ADP
bae-3263	47	26	risk	risk	NOUN
bae-3263	47	27	;	;	PUNCT
bae-3263	47	28	gross	gross	ADJ
bae-3263	47	29	undercapitalization	undercapitalization	NOUN
bae-3263	47	30	in	in	ADP
bae-3263	47	31	relation	relation	NOUN
bae-3263	47	32	to	to	ADP
bae-3263	47	33	their	their	PRON
bae-3263	47	34	level	level	NOUN
bae-3263	47	35	of	of	ADP
bae-3263	47	36	operations	operation	NOUN
bae-3263	47	37	;	;	PUNCT
bae-3263	47	38	poor	poor	ADJ
bae-3263	47	39	corporate	corporate	ADJ
bae-3263	47	40	governance	governance	NOUN
bae-3263	47	41	and	and	CCONJ
bae-3263	47	42	incompetent	incompetent	ADJ
bae-3263	47	43	boards	board	NOUN
bae-3263	47	44	;	;	PUNCT
bae-3263	47	45	high	high	ADJ
bae-3263	47	46	level	level	NOUN
bae-3263	47	47	of	of	ADP
bae-3263	47	48	nonperforming	nonperforming	ADJ
bae-3263	47	49	insider	insider	NOUN
bae-3263	47	50	-	-	PUNCT
bae-3263	47	51	related	relate	VERB
bae-3263	47	52	credits	credit	NOUN
bae-3263	47	53	,	,	PUNCT
bae-3263	47	54	and	and	CCONJ
bae-3263	47	55	other	other	ADJ
bae-3263	47	56	forms	form	NOUN
bae-3263	47	57	of	of	ADP
bae-3263	47	58	insider	insider	NOUN
bae-3263	47	59	abuse	abuse	NOUN
bae-3263	47	60	;	;	PUNCT
bae-3263	47	61	heavy	heavy	ADJ
bae-3263	47	62	investment	investment	NOUN
bae-3263	47	63	in	in	ADP
bae-3263	47	64	capital	capital	NOUN
bae-3263	47	65	markets	market	NOUN
bae-3263	47	66	with	with	ADP
bae-3263	47	67	resultant	resultant	NOUN
bae-3263	47	68	diminution	diminution	NOUN
bae-3263	47	69	in	in	ADP
bae-3263	47	70	the	the	DET
bae-3263	47	71	value	value	NOUN
bae-3263	47	72	of	of	ADP
bae-3263	47	73	investment	investment	NOUN
bae-3263	47	74	after	after	ADP
bae-3263	47	75	the	the	DET
bae-3263	47	76	meltdown	meltdown	NOUN
bae-3263	47	77	;	;	PUNCT
bae-3263	47	78	poor	poor	ADJ
bae-3263	47	79	asset	asset	NOUN
bae-3263	47	80	-	-	PUNCT
bae-3263	47	81	liability	liability	NOUN
bae-3263	47	82	management	management	NOUN
bae-3263	47	83	owing	owe	VERB
bae-3263	47	84	to	to	ADP
bae-3263	47	85	portfolio	portfolio	NOUN
bae-3263	47	86	mismatch	mismatch	NOUN
bae-3263	47	87	etc	etc	X
bae-3263	47	88	.	.	X
bae-3263	48	1	hence	hence	ADV
bae-3263	48	2	an	an	DET
bae-3263	48	3	investigation	investigation	NOUN
bae-3263	48	4	into	into	ADP
bae-3263	48	5	the	the	DET
bae-3263	48	6	operational	operational	ADJ
bae-3263	48	7	performance	performance	NOUN
bae-3263	48	8	of	of	ADP
bae-3263	48	9	the	the	DET
bae-3263	48	10	mfbs	mfbs	NOUN
bae-3263	48	11	will	will	AUX
bae-3263	48	12	provide	provide	VERB
bae-3263	48	13	further	further	ADJ
bae-3263	48	14	insight	insight	NOUN
bae-3263	48	15	into	into	ADP
bae-3263	48	16	their	their	PRON
bae-3263	48	17	level	level	NOUN
bae-3263	48	18	of	of	ADP
bae-3263	48	19	preparedness	preparedness	NOUN
bae-3263	48	20	as	as	ADP
bae-3263	48	21	catalyst	catalyst	NOUN
bae-3263	48	22	in	in	ADP
bae-3263	48	23	the	the	DET
bae-3263	48	24	financial	financial	ADJ
bae-3263	48	25	intermediation	intermediation	NOUN
bae-3263	48	26	process	process	NOUN
bae-3263	48	27	of	of	ADP
bae-3263	48	28	the	the	DET
bae-3263	48	29	economic	economic	ADJ
bae-3263	48	30	active	active	ADJ
bae-3263	48	31	poor	poor	ADJ
bae-3263	48	32	in	in	ADP
bae-3263	48	33	the	the	DET
bae-3263	48	34	country	country	NOUN
bae-3263	48	35	.	.	PUNCT
bae-3263	49	1	2	2	X
bae-3263	49	2	.	.	X
bae-3263	49	3	research	research	NOUN
bae-3263	49	4	methodology	methodology	NOUN
bae-3263	49	5	thapa	thapa	PROPN
bae-3263	49	6	(	(	PUNCT
bae-3263	49	7	2007	2007	NUM
bae-3263	49	8	)	)	PUNCT
bae-3263	49	9	posited	posit	VERB
bae-3263	49	10	that	that	SCONJ
bae-3263	49	11	sustainability	sustainability	NOUN
bae-3263	49	12	in	in	ADP
bae-3263	49	13	microfinance	microfinance	NOUN
bae-3263	49	14	can	can	AUX
bae-3263	49	15	be	be	AUX
bae-3263	49	16	financial	financial	ADJ
bae-3263	49	17	,	,	PUNCT
bae-3263	49	18	managerial	managerial	ADJ
bae-3263	49	19	or	or	CCONJ
bae-3263	49	20	organizational	organizational	ADJ
bae-3263	49	21	but	but	CCONJ
bae-3263	49	22	that	that	SCONJ
bae-3263	49	23	financial	financial	ADJ
bae-3263	49	24	sustainability	sustainability	NOUN
bae-3263	49	25	dominates	dominate	VERB
bae-3263	49	26	as	as	ADP
bae-3263	49	27	a	a	DET
bae-3263	49	28	measure	measure	NOUN
bae-3263	49	29	of	of	ADP
bae-3263	49	30	efficiency	efficiency	NOUN
bae-3263	49	31	,	,	PUNCT
bae-3263	49	32	profitability	profitability	NOUN
bae-3263	49	33	and	and	CCONJ
bae-3263	49	34	productivity	productivity	NOUN
bae-3263	49	35	.	.	PUNCT
bae-3263	50	1	the	the	DET
bae-3263	50	2	institutionality	institutionality	NOUN
bae-3263	50	3	and	and	CCONJ
bae-3263	50	4	financial	financial	ADJ
bae-3263	50	5	sustainability	sustainability	NOUN
bae-3263	50	6	of	of	ADP
bae-3263	50	7	any	any	DET
bae-3263	50	8	mfi	mfi	PROPN
bae-3263	50	9	lies	lie	VERB
bae-3263	50	10	in	in	ADP
bae-3263	50	11	its	its	PRON
bae-3263	50	12	ability	ability	NOUN
bae-3263	50	13	to	to	PART
bae-3263	50	14	cover	cover	VERB
bae-3263	50	15	all	all	DET
bae-3263	50	16	operational	operational	ADJ
bae-3263	50	17	expenses	expense	NOUN
bae-3263	50	18	from	from	ADP
bae-3263	50	19	income	income	NOUN
bae-3263	50	20	earned	earn	VERB
bae-3263	50	21	through	through	ADP
bae-3263	50	22	financial	financial	ADJ
bae-3263	50	23	services	service	NOUN
bae-3263	50	24	after	after	ADP
bae-3263	50	25	making	make	VERB
bae-3263	50	26	proper	proper	ADJ
bae-3263	50	27	adjustments	adjustment	NOUN
bae-3263	50	28	for	for	ADP
bae-3263	50	29	inflation	inflation	NOUN
bae-3263	50	30	,	,	PUNCT
bae-3263	50	31	subsidies	subsidy	NOUN
bae-3263	50	32	etc	etc	X
bae-3263	50	33	(	(	PUNCT
bae-3263	50	34	natilson	natilson	NOUN
bae-3263	50	35	et	et	PROPN
bae-3263	50	36	al	al	PROPN
bae-3263	50	37	.	.	PROPN
bae-3263	50	38	,	,	PUNCT
bae-3263	50	39	2001	2001	NUM
bae-3263	50	40	;	;	PUNCT
bae-3263	50	41	rosenberg	rosenberg	PROPN
bae-3263	50	42	,	,	PUNCT
bae-3263	50	43	2009	2009	NUM
bae-3263	50	44	;	;	PUNCT
bae-3263	50	45	dzene	dzene	NOUN
bae-3263	50	46	and	and	CCONJ
bae-3263	50	47	asiedu	asiedu	PROPN
bae-3263	50	48	,	,	PUNCT
bae-3263	50	49	2010	2010	NUM
bae-3263	50	50	)	)	PUNCT
bae-3263	50	51	.	.	PUNCT
bae-3263	51	1	shah	shah	NOUN
bae-3263	51	2	(	(	PUNCT
bae-3263	51	3	1999	1999	NUM
bae-3263	51	4	)	)	PUNCT
bae-3263	51	5	and	and	CCONJ
bae-3263	51	6	natilson	natilson	NOUN
bae-3263	51	7	et	et	PROPN
bae-3263	51	8	al	al	PROPN
bae-3263	51	9	.	.	PROPN
bae-3263	51	10	(	(	PUNCT
bae-3263	51	11	2001	2001	NUM
bae-3263	51	12	)	)	PUNCT
bae-3263	51	13	suggested	suggest	VERB
bae-3263	51	14	repayment	repayment	NOUN
bae-3263	51	15	rates	rate	NOUN
bae-3263	51	16	,	,	PUNCT
bae-3263	51	17	operating	operate	VERB
bae-3263	51	18	cost	cost	NOUN
bae-3263	51	19	ratio	ratio	NOUN
bae-3263	51	20	,	,	PUNCT
bae-3263	51	21	portfolio	portfolio	NOUN
bae-3263	51	22	quality	quality	NOUN
bae-3263	51	23	as	as	ADP
bae-3263	51	24	additional	additional	ADJ
bae-3263	51	25	measures	measure	NOUN
bae-3263	51	26	upon	upon	SCONJ
bae-3263	51	27	which	which	PRON
bae-3263	51	28	mfis	mfi	VERB
bae-3263	51	29	performance	performance	NOUN
bae-3263	51	30	can	can	AUX
bae-3263	51	31	be	be	AUX
bae-3263	51	32	hinged	hinge	VERB
bae-3263	51	33	.	.	PUNCT
bae-3263	52	1	performance	performance	NOUN
bae-3263	52	2	measurement	measurement	NOUN
bae-3263	52	3	is	be	AUX
bae-3263	52	4	defined	define	VERB
bae-3263	52	5	as	as	ADP
bae-3263	52	6	274	274	NUM
bae-3263	52	7	m.a	m.a	PROPN
bae-3263	52	8	.	.	PROPN
bae-3263	52	9	olasupo	olasupo	PROPN
bae-3263	52	10	,	,	PUNCT
bae-3263	52	11	c.a	c.a	PROPN
bae-3263	52	12	.	.	PROPN
bae-3263	52	13	afolami	afolami	PROPN
bae-3263	52	14	,	,	PUNCT
bae-3263	52	15	a.m.	a.m.	PROPN
bae-3263	52	16	shittu	shittu	PROPN
bae-3263	52	17	,	,	PUNCT
bae-3263	52	18	a.a.a	a.a.a	PROPN
bae-3263	52	19	.	.	PUNCT
bae-3263	52	20	agboola	agboola	PROPN
bae-3263	53	1	the	the	DET
bae-3263	53	2	process	process	NOUN
bae-3263	53	3	of	of	ADP
bae-3263	53	4	developing	develop	VERB
bae-3263	53	5	indicators	indicator	NOUN
bae-3263	53	6	to	to	PART
bae-3263	53	7	assess	assess	VERB
bae-3263	53	8	progress	progress	NOUN
bae-3263	53	9	towards	towards	ADP
bae-3263	53	10	certain	certain	ADJ
bae-3263	53	11	predefined	predefine	VERB
bae-3263	53	12	goals	goal	NOUN
bae-3263	53	13	and	and	CCONJ
bae-3263	53	14	reviewing	review	VERB
bae-3263	53	15	performance	performance	NOUN
bae-3263	53	16	against	against	ADP
bae-3263	53	17	these	these	DET
bae-3263	53	18	measures	measure	NOUN
bae-3263	53	19	.	.	PUNCT
bae-3263	54	1	it	it	PRON
bae-3263	54	2	is	be	AUX
bae-3263	54	3	also	also	ADV
bae-3263	54	4	the	the	DET
bae-3263	54	5	use	use	NOUN
bae-3263	54	6	of	of	ADP
bae-3263	54	7	statistical	statistical	ADJ
bae-3263	54	8	evidence	evidence	NOUN
bae-3263	54	9	to	to	PART
bae-3263	54	10	determine	determine	VERB
bae-3263	54	11	progress	progress	NOUN
bae-3263	54	12	toward	toward	ADP
bae-3263	54	13	specifically	specifically	ADV
bae-3263	54	14	defined	define	VERB
bae-3263	54	15	organizational	organizational	ADJ
bae-3263	54	16	objectives	objective	NOUN
bae-3263	54	17	.	.	PUNCT
bae-3263	55	1	natural	natural	ADJ
bae-3263	55	2	measures	measure	NOUN
bae-3263	55	3	of	of	ADP
bae-3263	55	4	performance	performance	NOUN
bae-3263	55	5	often	often	ADV
bae-3263	55	6	involves	involve	VERB
bae-3263	55	7	productivity	productivity	NOUN
bae-3263	55	8	ratios	ratio	NOUN
bae-3263	55	9	of	of	ADP
bae-3263	55	10	output(s	output(s	PROPN
bae-3263	55	11	)	)	PUNCT
bae-3263	55	12	to	to	ADP
bae-3263	55	13	input(s	input(s	PRON
bae-3263	55	14	)	)	PUNCT
bae-3263	55	15	with	with	ADP
bae-3263	55	16	larger	large	ADJ
bae-3263	55	17	values	value	NOUN
bae-3263	55	18	of	of	ADP
bae-3263	55	19	this	this	DET
bae-3263	55	20	ratio	ratio	NOUN
bae-3263	55	21	associated	associate	VERB
bae-3263	55	22	with	with	ADP
bae-3263	55	23	better	well	ADJ
bae-3263	55	24	performance	performance	NOUN
bae-3263	55	25	.	.	PUNCT
bae-3263	56	1	performance	performance	NOUN
bae-3263	56	2	measurement	measurement	NOUN
bae-3263	56	3	is	be	AUX
bae-3263	56	4	often	often	ADV
bae-3263	56	5	done	do	VERB
bae-3263	56	6	in	in	ADP
bae-3263	56	7	comparison	comparison	NOUN
bae-3263	56	8	to	to	ADP
bae-3263	56	9	either	either	CCONJ
bae-3263	56	10	the	the	DET
bae-3263	56	11	previous	previous	ADJ
bae-3263	56	12	performances	performance	NOUN
bae-3263	56	13	or	or	CCONJ
bae-3263	56	14	to	to	ADP
bae-3263	56	15	the	the	DET
bae-3263	56	16	performance	performance	NOUN
bae-3263	56	17	of	of	ADP
bae-3263	56	18	similar	similar	ADJ
bae-3263	56	19	units	unit	NOUN
bae-3263	56	20	or	or	CCONJ
bae-3263	56	21	certain	certain	ADJ
bae-3263	56	22	benchmarks	benchmark	NOUN
bae-3263	56	23	in	in	ADP
bae-3263	56	24	the	the	DET
bae-3263	56	25	industry	industry	NOUN
bae-3263	56	26	.	.	PUNCT
bae-3263	57	1	performance	performance	NOUN
bae-3263	57	2	measurement	measurement	NOUN
bae-3263	57	3	using	use	VERB
bae-3263	57	4	ratio	ratio	NOUN
bae-3263	57	5	analysis	analysis	NOUN
bae-3263	57	6	is	be	AUX
bae-3263	57	7	the	the	DET
bae-3263	57	8	most	most	ADV
bae-3263	57	9	widely	widely	ADV
bae-3263	57	10	used	use	VERB
bae-3263	57	11	technique	technique	NOUN
bae-3263	57	12	in	in	ADP
bae-3263	57	13	financial	financial	ADJ
bae-3263	57	14	analysis	analysis	NOUN
bae-3263	57	15	.	.	PUNCT
bae-3263	58	1	an	an	DET
bae-3263	58	2	accounting	accounting	NOUN
bae-3263	58	3	ratio	ratio	NOUN
bae-3263	58	4	is	be	AUX
bae-3263	58	5	a	a	DET
bae-3263	58	6	proportion	proportion	NOUN
bae-3263	58	7	or	or	CCONJ
bae-3263	58	8	fraction	fraction	NOUN
bae-3263	58	9	or	or	CCONJ
bae-3263	58	10	percentage	percentage	NOUN
bae-3263	58	11	,	,	PUNCT
bae-3263	58	12	expressing	express	VERB
bae-3263	58	13	a	a	DET
bae-3263	58	14	relationship	relationship	NOUN
bae-3263	58	15	between	between	ADP
bae-3263	58	16	one	one	NUM
bae-3263	58	17	item	item	NOUN
bae-3263	58	18	in	in	ADP
bae-3263	58	19	a	a	DET
bae-3263	58	20	set	set	NOUN
bae-3263	58	21	of	of	ADP
bae-3263	58	22	financial	financial	ADJ
bae-3263	58	23	statements	statement	NOUN
bae-3263	58	24	and	and	CCONJ
bae-3263	58	25	another	another	DET
bae-3263	58	26	item	item	NOUN
bae-3263	58	27	in	in	ADP
bae-3263	58	28	the	the	DET
bae-3263	58	29	same	same	ADJ
bae-3263	58	30	financial	financial	ADJ
bae-3263	58	31	statements	statement	NOUN
bae-3263	58	32	.	.	PUNCT
bae-3263	59	1	ratio	ratio	NOUN
bae-3263	59	2	analysis	analysis	NOUN
bae-3263	59	3	is	be	AUX
bae-3263	59	4	the	the	DET
bae-3263	59	5	most	most	ADV
bae-3263	59	6	important	important	ADJ
bae-3263	59	7	device	device	NOUN
bae-3263	59	8	for	for	ADP
bae-3263	59	9	interpreting	interpret	VERB
bae-3263	59	10	the	the	DET
bae-3263	59	11	performance	performance	NOUN
bae-3263	59	12	of	of	ADP
bae-3263	59	13	organizations	organization	NOUN
bae-3263	59	14	from	from	ADP
bae-3263	59	15	their	their	PRON
bae-3263	59	16	financial	financial	ADJ
bae-3263	59	17	statements	statement	NOUN
bae-3263	59	18	.	.	PUNCT
bae-3263	60	1	the	the	DET
bae-3263	60	2	essence	essence	NOUN
bae-3263	60	3	of	of	ADP
bae-3263	60	4	any	any	DET
bae-3263	60	5	interpretation	interpretation	NOUN
bae-3263	60	6	of	of	ADP
bae-3263	60	7	financial	financial	ADJ
bae-3263	60	8	statements	statement	NOUN
bae-3263	60	9	is	be	AUX
bae-3263	60	10	comparison	comparison	NOUN
bae-3263	60	11	(	(	PUNCT
bae-3263	60	12	comparison	comparison	NOUN
bae-3263	60	13	of	of	ADP
bae-3263	60	14	current	current	NOUN
bae-3263	60	15	with	with	ADP
bae-3263	60	16	past	past	ADJ
bae-3263	60	17	figures	figure	NOUN
bae-3263	60	18	of	of	ADP
bae-3263	60	19	the	the	DET
bae-3263	60	20	same	same	ADJ
bae-3263	60	21	firm	firm	NOUN
bae-3263	60	22	and	and	CCONJ
bae-3263	60	23	with	with	ADP
bae-3263	60	24	its	its	PRON
bae-3263	60	25	budget	budget	NOUN
bae-3263	60	26	or	or	CCONJ
bae-3263	60	27	forecast	forecast	NOUN
bae-3263	60	28	,	,	PUNCT
bae-3263	60	29	and	and	CCONJ
bae-3263	60	30	comparison	comparison	NOUN
bae-3263	60	31	with	with	ADP
bae-3263	60	32	the	the	DET
bae-3263	60	33	performance	performance	NOUN
bae-3263	60	34	of	of	ADP
bae-3263	60	35	similar	similar	ADJ
bae-3263	60	36	firms	firm	NOUN
bae-3263	60	37	in	in	ADP
bae-3263	60	38	the	the	DET
bae-3263	60	39	industry	industry	NOUN
bae-3263	60	40	)	)	PUNCT
bae-3263	60	41	.	.	PUNCT
bae-3263	61	1	in	in	ADP
bae-3263	61	2	order	order	NOUN
bae-3263	61	3	to	to	PART
bae-3263	61	4	facilitate	facilitate	VERB
bae-3263	61	5	this	this	DET
bae-3263	61	6	comparison	comparison	NOUN
bae-3263	61	7	,	,	PUNCT
bae-3263	61	8	it	it	PRON
bae-3263	61	9	is	be	AUX
bae-3263	61	10	customary	customary	ADJ
bae-3263	61	11	to	to	PART
bae-3263	61	12	express	express	VERB
bae-3263	61	13	figures	figure	NOUN
bae-3263	61	14	in	in	ADP
bae-3263	61	15	ratios	ratio	NOUN
bae-3263	61	16	or	or	CCONJ
bae-3263	61	17	percentages	percentage	NOUN
bae-3263	61	18	,	,	PUNCT
bae-3263	61	19	so	so	SCONJ
bae-3263	61	20	that	that	SCONJ
bae-3263	61	21	a	a	DET
bae-3263	61	22	disparity	disparity	NOUN
bae-3263	61	23	in	in	ADP
bae-3263	61	24	size	size	NOUN
bae-3263	61	25	between	between	ADP
bae-3263	61	26	two	two	NUM
bae-3263	61	27	firms	firm	NOUN
bae-3263	61	28	does	do	AUX
bae-3263	61	29	not	not	PART
bae-3263	61	30	prevent	prevent	VERB
bae-3263	61	31	comparison	comparison	NOUN
bae-3263	61	32	of	of	ADP
bae-3263	61	33	their	their	PRON
bae-3263	61	34	results	result	NOUN
bae-3263	61	35	.	.	PUNCT
bae-3263	62	1	production	production	NOUN
bae-3263	62	2	is	be	AUX
bae-3263	62	3	the	the	DET
bae-3263	62	4	transformation	transformation	NOUN
bae-3263	62	5	of	of	ADP
bae-3263	62	6	inputs	input	NOUN
bae-3263	62	7	into	into	ADP
bae-3263	62	8	outputs	output	NOUN
bae-3263	62	9	or	or	CCONJ
bae-3263	62	10	it	it	PRON
bae-3263	62	11	could	could	AUX
bae-3263	62	12	be	be	AUX
bae-3263	62	13	defined	define	VERB
bae-3263	62	14	as	as	ADP
bae-3263	62	15	any	any	DET
bae-3263	62	16	activity	activity	NOUN
bae-3263	62	17	that	that	PRON
bae-3263	62	18	creates	create	VERB
bae-3263	62	19	present	present	ADJ
bae-3263	62	20	or	or	CCONJ
bae-3263	62	21	future	future	ADJ
bae-3263	62	22	utility	utility	NOUN
bae-3263	62	23	.	.	PUNCT
bae-3263	63	1	it	it	PRON
bae-3263	63	2	may	may	AUX
bae-3263	63	3	also	also	ADV
bae-3263	63	4	be	be	AUX
bae-3263	63	5	equivalently	equivalently	ADV
bae-3263	63	6	described	describe	VERB
bae-3263	63	7	as	as	ADP
bae-3263	63	8	a	a	DET
bae-3263	63	9	process	process	NOUN
bae-3263	63	10	that	that	PRON
bae-3263	63	11	transforms	transform	VERB
bae-3263	63	12	inputs	input	NOUN
bae-3263	63	13	into	into	ADP
bae-3263	63	14	outputs	output	NOUN
bae-3263	63	15	(	(	PUNCT
bae-3263	63	16	frank	frank	PROPN
bae-3263	63	17	,	,	PUNCT
bae-3263	63	18	2008	2008	NUM
bae-3263	63	19	)	)	PUNCT
bae-3263	63	20	.	.	PUNCT
bae-3263	64	1	data	datum	NOUN
bae-3263	64	2	envelopment	envelopment	ADJ
bae-3263	64	3	analysis	analysis	NOUN
bae-3263	64	4	(	(	PUNCT
bae-3263	64	5	dea	dea	NOUN
bae-3263	64	6	)	)	PUNCT
bae-3263	64	7	was	be	AUX
bae-3263	64	8	proposed	propose	VERB
bae-3263	64	9	by	by	ADP
bae-3263	64	10	charnes	charne	NOUN
bae-3263	64	11	et	et	PROPN
bae-3263	64	12	al	al	PROPN
bae-3263	64	13	.	.	PROPN
bae-3263	64	14	(	(	PUNCT
bae-3263	64	15	1978	1978	NUM
bae-3263	64	16	)	)	PUNCT
bae-3263	64	17	and	and	CCONJ
bae-3263	64	18	banker	banker	NOUN
bae-3263	64	19	et	et	PROPN
bae-3263	64	20	al	al	PROPN
bae-3263	64	21	.	.	PUNCT
bae-3263	65	1	(	(	PUNCT
bae-3263	65	2	1984	1984	NUM
bae-3263	65	3	)	)	PUNCT
bae-3263	65	4	.	.	PUNCT
bae-3263	66	1	the	the	DET
bae-3263	66	2	use	use	NOUN
bae-3263	66	3	of	of	ADP
bae-3263	66	4	dea	dea	NOUN
bae-3263	66	5	in	in	ADP
bae-3263	66	6	this	this	DET
bae-3263	66	7	study	study	NOUN
bae-3263	66	8	is	be	AUX
bae-3263	66	9	appealing	appeal	VERB
bae-3263	66	10	due	due	ADP
bae-3263	66	11	to	to	ADP
bae-3263	66	12	the	the	DET
bae-3263	66	13	fact	fact	NOUN
bae-3263	66	14	that	that	SCONJ
bae-3263	66	15	:	:	PUNCT
bae-3263	66	16	dea	dea	PROPN
bae-3263	66	17	can	can	AUX
bae-3263	66	18	easily	easily	ADV
bae-3263	66	19	accommodate	accommodate	VERB
bae-3263	66	20	both	both	DET
bae-3263	66	21	multiple	multiple	ADJ
bae-3263	66	22	inputs	input	NOUN
bae-3263	66	23	and	and	CCONJ
bae-3263	66	24	outputs	output	NOUN
bae-3263	66	25	unlike	unlike	ADP
bae-3263	66	26	the	the	DET
bae-3263	66	27	stochastic	stochastic	ADJ
bae-3263	66	28	frontier	frontier	NOUN
bae-3263	66	29	production	production	NOUN
bae-3263	66	30	function	function	NOUN
bae-3263	66	31	;	;	PUNCT
bae-3263	66	32	dea	dea	NOUN
bae-3263	66	33	does	do	AUX
bae-3263	66	34	not	not	PART
bae-3263	66	35	require	require	VERB
bae-3263	66	36	the	the	DET
bae-3263	66	37	imposition	imposition	NOUN
bae-3263	66	38	of	of	ADP
bae-3263	66	39	a	a	DET
bae-3263	66	40	specific	specific	ADJ
bae-3263	66	41	functional	functional	ADJ
bae-3263	66	42	form	form	NOUN
bae-3263	66	43	on	on	ADP
bae-3263	66	44	the	the	DET
bae-3263	66	45	model	model	NOUN
bae-3263	66	46	.	.	PUNCT
bae-3263	67	1	this	this	PRON
bae-3263	67	2	allows	allow	VERB
bae-3263	67	3	the	the	DET
bae-3263	67	4	technological	technological	ADJ
bae-3263	67	5	frontier	frontier	NOUN
bae-3263	67	6	to	to	PART
bae-3263	67	7	be	be	AUX
bae-3263	67	8	constructed	construct	VERB
bae-3263	67	9	without	without	ADP
bae-3263	67	10	imposing	impose	VERB
bae-3263	67	11	a	a	DET
bae-3263	67	12	parametric	parametric	ADJ
bae-3263	67	13	functional	functional	ADJ
bae-3263	67	14	form	form	NOUN
bae-3263	67	15	on	on	ADP
bae-3263	67	16	technology	technology	NOUN
bae-3263	67	17	or	or	CCONJ
bae-3263	67	18	deviations	deviation	NOUN
bae-3263	67	19	from	from	ADP
bae-3263	67	20	it	it	PRON
bae-3263	67	21	(	(	PUNCT
bae-3263	67	22	inefficiencies	inefficiency	NOUN
bae-3263	67	23	)	)	PUNCT
bae-3263	67	24	;	;	PUNCT
bae-3263	67	25	and	and	CCONJ
bae-3263	67	26	it	it	PRON
bae-3263	67	27	permits	permit	VERB
bae-3263	67	28	the	the	DET
bae-3263	67	29	construction	construction	NOUN
bae-3263	67	30	of	of	ADP
bae-3263	67	31	a	a	DET
bae-3263	67	32	surface	surface	NOUN
bae-3263	67	33	over	over	ADP
bae-3263	67	34	the	the	DET
bae-3263	67	35	data	datum	NOUN
bae-3263	67	36	,	,	PUNCT
bae-3263	67	37	which	which	PRON
bae-3263	67	38	allows	allow	VERB
bae-3263	67	39	comparison	comparison	NOUN
bae-3263	67	40	of	of	ADP
bae-3263	67	41	one	one	NUM
bae-3263	67	42	production	production	NOUN
bae-3263	67	43	method	method	NOUN
bae-3263	67	44	(	(	PUNCT
bae-3263	67	45	or	or	CCONJ
bae-3263	67	46	best	good	ADJ
bae-3263	67	47	producer	producer	NOUN
bae-3263	67	48	)	)	PUNCT
bae-3263	67	49	with	with	ADP
bae-3263	67	50	others	other	NOUN
bae-3263	67	51	,	,	PUNCT
bae-3263	67	52	in	in	ADP
bae-3263	67	53	terms	term	NOUN
bae-3263	67	54	of	of	ADP
bae-3263	67	55	a	a	DET
bae-3263	67	56	performance	performance	NOUN
bae-3263	67	57	index	index	NOUN
bae-3263	67	58	.	.	PUNCT
bae-3263	68	1	there	there	PRON
bae-3263	68	2	are	be	VERB
bae-3263	68	3	three	three	NUM
bae-3263	68	4	alternatives	alternative	NOUN
bae-3263	68	5	for	for	ADP
bae-3263	68	6	measuring	measure	VERB
bae-3263	68	7	the	the	DET
bae-3263	68	8	productivity	productivity	NOUN
bae-3263	68	9	changes	change	NOUN
bae-3263	68	10	.	.	PUNCT
bae-3263	69	1	these	these	DET
bae-3263	69	2	alternatives	alternative	NOUN
bae-3263	69	3	include	include	VERB
bae-3263	69	4	:	:	PUNCT
bae-3263	69	5	fisher	fisher	PROPN
bae-3263	69	6	index	index	PROPN
bae-3263	69	7	,	,	PUNCT
bae-3263	69	8	tornqvist	tornqvist	NOUN
bae-3263	69	9	index	index	NOUN
bae-3263	69	10	and	and	CCONJ
bae-3263	69	11	the	the	DET
bae-3263	69	12	malmquist	malmquist	PROPN
bae-3263	69	13	index	index	NOUN
bae-3263	69	14	.	.	PUNCT
bae-3263	70	1	lovell	lovell	PROPN
bae-3263	70	2	(	(	PUNCT
bae-3263	70	3	1996	1996	NUM
bae-3263	70	4	)	)	PUNCT
bae-3263	70	5	remarked	remark	VERB
bae-3263	70	6	that	that	SCONJ
bae-3263	70	7	given	give	VERB
bae-3263	70	8	a	a	DET
bae-3263	70	9	set	set	NOUN
bae-3263	70	10	of	of	ADP
bae-3263	70	11	panel	panel	NOUN
bae-3263	70	12	data	datum	NOUN
bae-3263	70	13	,	,	PUNCT
bae-3263	70	14	one	one	PRON
bae-3263	70	15	may	may	AUX
bae-3263	70	16	use	use	VERB
bae-3263	70	17	dea	dea	ADJ
bae-3263	70	18	-	-	ADJ
bae-3263	70	19	like	like	ADJ
bae-3263	70	20	linear	linear	NOUN
bae-3263	70	21	programs	program	NOUN
bae-3263	70	22	and	and	CCONJ
bae-3263	70	23	a	a	DET
bae-3263	70	24	malmquist	malmquist	NOUN
bae-3263	70	25	total	total	ADJ
bae-3263	70	26	factor	factor	NOUN
bae-3263	70	27	productivity	productivity	NOUN
bae-3263	70	28	(	(	PUNCT
bae-3263	70	29	tfp	tfp	PROPN
bae-3263	70	30	)	)	PUNCT
bae-3263	70	31	index	index	NOUN
bae-3263	70	32	to	to	PART
bae-3263	70	33	measure	measure	VERB
bae-3263	70	34	productivity	productivity	NOUN
bae-3263	70	35	change	change	NOUN
bae-3263	70	36	.	.	PUNCT
bae-3263	71	1	the	the	DET
bae-3263	71	2	malmquist	malmquist	PROPN
bae-3263	71	3	approach	approach	NOUN
bae-3263	71	4	does	do	AUX
bae-3263	71	5	not	not	PART
bae-3263	71	6	require	require	VERB
bae-3263	71	7	the	the	DET
bae-3263	71	8	assumption	assumption	NOUN
bae-3263	71	9	of	of	ADP
bae-3263	71	10	efficient	efficient	ADJ
bae-3263	71	11	production	production	NOUN
bae-3263	71	12	,	,	PUNCT
bae-3263	71	13	but	but	CCONJ
bae-3263	71	14	instead	instead	ADV
bae-3263	71	15	identifies	identify	VERB
bae-3263	71	16	the	the	DET
bae-3263	71	17	‘	'	PUNCT
bae-3263	71	18	best	good	ADJ
bae-3263	71	19	-	-	PUNCT
bae-3263	71	20	practice	practice	NOUN
bae-3263	71	21	’	'	PUNCT
bae-3263	71	22	firms	firm	NOUN
bae-3263	71	23	in	in	ADP
bae-3263	71	24	every	every	DET
bae-3263	71	25	period	period	NOUN
bae-3263	71	26	,	,	PUNCT
bae-3263	71	27	which	which	PRON
bae-3263	71	28	gives	give	VERB
bae-3263	71	29	an	an	DET
bae-3263	71	30	efficient	efficient	ADJ
bae-3263	71	31	production	production	NOUN
bae-3263	71	32	frontier	frontier	NOUN
bae-3263	71	33	,	,	PUNCT
bae-3263	71	34	and	and	CCONJ
bae-3263	71	35	measures	measure	VERB
bae-3263	71	36	each	each	DET
bae-3263	71	37	decision	decision	NOUN
bae-3263	71	38	making	make	VERB
bae-3263	71	39	unit	unit	NOUN
bae-3263	71	40	’s	’s	PART
bae-3263	71	41	(	(	PUNCT
bae-3263	71	42	dmu	dmu	PROPN
bae-3263	71	43	’s	’s	PART
bae-3263	71	44	)	)	PUNCT
bae-3263	71	45	output	output	NOUN
bae-3263	71	46	relative	relative	ADJ
bae-3263	71	47	to	to	ADP
bae-3263	71	48	the	the	DET
bae-3263	71	49	frontier	frontier	NOUN
bae-3263	71	50	.	.	PUNCT
bae-3263	72	1	according	accord	VERB
bae-3263	72	2	to	to	ADP
bae-3263	72	3	grifell	grifell	NOUN
bae-3263	72	4	-	-	PUNCT
bae-3263	72	5	tatjé	tatjé	NOUN
bae-3263	72	6	and	and	CCONJ
bae-3263	72	7	lovell	lovell	PROPN
bae-3263	72	8	(	(	PUNCT
bae-3263	72	9	1996	1996	NUM
bae-3263	72	10	)	)	PUNCT
bae-3263	72	11	,	,	PUNCT
bae-3263	72	12	the	the	DET
bae-3263	72	13	malmquist	malmquist	PROPN
bae-3263	72	14	index	index	NOUN
bae-3263	72	15	has	have	VERB
bae-3263	72	16	some	some	DET
bae-3263	72	17	advantages	advantage	NOUN
bae-3263	72	18	relative	relative	ADJ
bae-3263	72	19	to	to	ADP
bae-3263	72	20	other	other	ADJ
bae-3263	72	21	productivity	productivity	NOUN
bae-3263	72	22	indices	index	NOUN
bae-3263	72	23	.	.	PUNCT
bae-3263	73	1	for	for	ADP
bae-3263	73	2	example	example	NOUN
bae-3263	73	3	,	,	PUNCT
bae-3263	73	4	it	it	PRON
bae-3263	73	5	does	do	AUX
bae-3263	73	6	not	not	PART
bae-3263	73	7	require	require	VERB
bae-3263	73	8	input	input	NOUN
bae-3263	73	9	prices	price	NOUN
bae-3263	73	10	or	or	CCONJ
bae-3263	73	11	output	output	NOUN
bae-3263	73	12	prices	price	NOUN
bae-3263	73	13	,	,	PUNCT
bae-3263	73	14	which	which	PRON
bae-3263	73	15	makes	make	VERB
bae-3263	73	16	it	it	PRON
bae-3263	73	17	particularly	particularly	ADV
bae-3263	73	18	useful	useful	ADJ
bae-3263	73	19	in	in	ADP
bae-3263	73	20	situations	situation	NOUN
bae-3263	73	21	where	where	SCONJ
bae-3263	73	22	prices	price	NOUN
bae-3263	73	23	are	be	AUX
bae-3263	73	24	misrepresented	misrepresent	VERB
bae-3263	73	25	or	or	CCONJ
bae-3263	73	26	non	non	ADJ
bae-3263	73	27	-	-	ADJ
bae-3263	73	28	existent	existent	ADJ
bae-3263	73	29	.	.	PUNCT
bae-3263	74	1	it	it	PRON
bae-3263	74	2	also	also	ADV
bae-3263	74	3	does	do	AUX
bae-3263	74	4	not	not	PART
bae-3263	74	5	require	require	VERB
bae-3263	74	6	the	the	DET
bae-3263	74	7	profit	profit	NOUN
bae-3263	74	8	maximization	maximization	NOUN
bae-3263	74	9	or	or	CCONJ
bae-3263	74	10	cost	cost	NOUN
bae-3263	74	11	minimization	minimization	NOUN
bae-3263	74	12	assumption	assumption	NOUN
bae-3263	74	13	and	and	CCONJ
bae-3263	74	14	hence	hence	ADV
bae-3263	74	15	makes	make	VERB
bae-3263	74	16	it	it	PRON
bae-3263	74	17	useful	useful	ADJ
bae-3263	74	18	in	in	ADP
bae-3263	74	19	situations	situation	NOUN
bae-3263	74	20	where	where	SCONJ
bae-3263	74	21	the	the	DET
bae-3263	74	22	objectives	objective	NOUN
bae-3263	74	23	of	of	ADP
bae-3263	74	24	producers	producer	NOUN
bae-3263	74	25	differ	differ	VERB
bae-3263	74	26	,	,	PUNCT
bae-3263	74	27	are	be	AUX
bae-3263	74	28	unknown	unknown	ADJ
bae-3263	74	29	or	or	CCONJ
bae-3263	74	30	not	not	PART
bae-3263	74	31	achieved	achieve	VERB
bae-3263	74	32	.	.	PUNCT
bae-3263	75	1	färe	färe	PROPN
bae-3263	75	2	et	et	PROPN
bae-3263	75	3	al	al	PROPN
bae-3263	75	4	.	.	PROPN
bae-3263	76	1	(	(	PUNCT
bae-3263	76	2	1994	1994	NUM
bae-3263	76	3	)	)	PUNCT
bae-3263	76	4	showed	show	VERB
bae-3263	76	5	that	that	SCONJ
bae-3263	76	6	the	the	DET
bae-3263	76	7	malmquist	malmquist	PROPN
bae-3263	76	8	productivity	productivity	NOUN
bae-3263	76	9	index	index	NOUN
bae-3263	76	10	can	can	AUX
bae-3263	76	11	be	be	AUX
bae-3263	76	12	decomposed	decompose	VERB
bae-3263	76	13	into	into	ADP
bae-3263	76	14	two	two	NUM
bae-3263	76	15	components	component	NOUN
bae-3263	76	16	–	–	PUNCT
bae-3263	76	17	technical	technical	ADJ
bae-3263	76	18	efficiency	efficiency	NOUN
bae-3263	76	19	change	change	NOUN
bae-3263	76	20	and	and	CCONJ
bae-3263	76	21	technical	technical	ADJ
bae-3263	76	22	change	change	NOUN
bae-3263	76	23	.	.	PUNCT
bae-3263	77	1	the	the	DET
bae-3263	77	2	value	value	NOUN
bae-3263	77	3	of	of	ADP
bae-3263	77	4	this	this	DET
bae-3263	77	5	decomposition	decomposition	NOUN
bae-3263	77	6	is	be	AUX
bae-3263	77	7	that	that	SCONJ
bae-3263	77	8	it	it	PRON
bae-3263	77	9	provides	provide	VERB
bae-3263	77	10	insight	insight	NOUN
bae-3263	77	11	into	into	ADP
bae-3263	77	12	the	the	DET
bae-3263	77	13	sources	source	NOUN
bae-3263	77	14	of	of	ADP
bae-3263	77	15	productivity	productivity	NOUN
bae-3263	77	16	change	change	NOUN
bae-3263	77	17	.	.	PUNCT
bae-3263	78	1	the	the	DET
bae-3263	78	2	main	main	ADJ
bae-3263	78	3	disadvantage	disadvantage	NOUN
bae-3263	78	4	of	of	ADP
bae-3263	78	5	the	the	DET
bae-3263	78	6	malmquist	malmquist	NOUN
bae-3263	78	7	index	index	NOUN
bae-3263	78	8	is	be	AUX
bae-3263	78	9	the	the	DET
bae-3263	78	10	necessity	necessity	NOUN
bae-3263	78	11	to	to	PART
bae-3263	78	12	compute	compute	VERB
bae-3263	78	13	distance	distance	NOUN
bae-3263	78	14	functions	function	NOUN
bae-3263	78	15	.	.	PUNCT
bae-3263	79	1	there	there	PRON
bae-3263	79	2	are	be	VERB
bae-3263	79	3	many	many	ADJ
bae-3263	79	4	different	different	ADJ
bae-3263	79	5	methods	method	NOUN
bae-3263	79	6	that	that	PRON
bae-3263	79	7	could	could	AUX
bae-3263	79	8	be	be	AUX
bae-3263	79	9	275performance	275performance	PROPN
bae-3263	79	10	and	and	CCONJ
bae-3263	79	11	productivity	productivity	NOUN
bae-3263	79	12	changes	change	NOUN
bae-3263	79	13	used	use	VERB
bae-3263	79	14	to	to	PART
bae-3263	79	15	measure	measure	VERB
bae-3263	79	16	the	the	DET
bae-3263	79	17	distance	distance	NOUN
bae-3263	79	18	function	function	NOUN
bae-3263	79	19	,	,	PUNCT
bae-3263	79	20	which	which	PRON
bae-3263	79	21	makes	make	VERB
bae-3263	79	22	up	up	ADP
bae-3263	79	23	the	the	DET
bae-3263	79	24	malmquist	malmquist	PROPN
bae-3263	79	25	productivity	productivity	NOUN
bae-3263	79	26	index	index	NOUN
bae-3263	79	27	.	.	PUNCT
bae-3263	80	1	one	one	NUM
bae-3263	80	2	of	of	ADP
bae-3263	80	3	the	the	DET
bae-3263	80	4	more	more	ADV
bae-3263	80	5	popular	popular	ADJ
bae-3263	80	6	methods	method	NOUN
bae-3263	80	7	has	have	AUX
bae-3263	80	8	been	be	AUX
bae-3263	80	9	the	the	DET
bae-3263	80	10	dea	dea	ADJ
bae-3263	80	11	-	-	ADJ
bae-3263	80	12	like	like	ADJ
bae-3263	80	13	linear	linear	NOUN
bae-3263	80	14	programming	programming	NOUN
bae-3263	80	15	method	method	NOUN
bae-3263	80	16	suggested	suggest	VERB
bae-3263	80	17	by	by	ADP
bae-3263	80	18	färe	färe	PROPN
bae-3263	80	19	et	et	PROPN
bae-3263	80	20	al	al	PROPN
bae-3263	80	21	(	(	PUNCT
bae-3263	80	22	1994	1994	NUM
bae-3263	80	23	)	)	PUNCT
bae-3263	80	24	.	.	PUNCT
bae-3263	81	1	the	the	DET
bae-3263	81	2	malmquist	malmquist	PROPN
bae-3263	81	3	productivity	productivity	NOUN
bae-3263	81	4	index	index	NOUN
bae-3263	81	5	can	can	AUX
bae-3263	81	6	be	be	AUX
bae-3263	81	7	used	use	VERB
bae-3263	81	8	to	to	PART
bae-3263	81	9	identify	identify	VERB
bae-3263	81	10	productivity	productivity	NOUN
bae-3263	81	11	differences	difference	NOUN
bae-3263	81	12	between	between	ADP
bae-3263	81	13	two	two	NUM
bae-3263	81	14	firms	firm	NOUN
bae-3263	81	15	or	or	CCONJ
bae-3263	81	16	one	one	NUM
bae-3263	81	17	firm	firm	NOUN
bae-3263	81	18	over	over	ADP
bae-3263	81	19	two	two	NUM
bae-3263	81	20	-	-	PUNCT
bae-3263	81	21	time	time	NOUN
bae-3263	81	22	periods	period	NOUN
bae-3263	81	23	by	by	ADP
bae-3263	81	24	calculating	calculate	VERB
bae-3263	81	25	the	the	DET
bae-3263	81	26	ratio	ratio	NOUN
bae-3263	81	27	of	of	ADP
bae-3263	81	28	the	the	DET
bae-3263	81	29	distances	distance	NOUN
bae-3263	81	30	of	of	ADP
bae-3263	81	31	each	each	DET
bae-3263	81	32	data	datum	NOUN
bae-3263	81	33	point	point	NOUN
bae-3263	81	34	relative	relative	ADJ
bae-3263	81	35	to	to	ADP
bae-3263	81	36	a	a	DET
bae-3263	81	37	common	common	ADJ
bae-3263	81	38	technology	technology	NOUN
bae-3263	81	39	.	.	PUNCT
bae-3263	82	1	given	give	VERB
bae-3263	82	2	period	period	NOUN
bae-3263	82	3	t+1	t+1	PROPN
bae-3263	82	4	technology	technology	NOUN
bae-3263	82	5	as	as	ADP
bae-3263	82	6	the	the	DET
bae-3263	82	7	reference	reference	NOUN
bae-3263	82	8	technology	technology	NOUN
bae-3263	82	9	,	,	PUNCT
bae-3263	82	10	the	the	DET
bae-3263	82	11	malmquist	malmquist	NOUN
bae-3263	82	12	(	(	PUNCT
bae-3263	82	13	output	output	NOUN
bae-3263	82	14	-	-	PUNCT
bae-3263	82	15	orientated	orientate	VERB
bae-3263	82	16	)	)	PUNCT
bae-3263	82	17	tfp	tfp	PROPN
bae-3263	82	18	change	change	NOUN
bae-3263	82	19	index	index	NOUN
bae-3263	82	20	between	between	ADP
bae-3263	82	21	period	period	NOUN
bae-3263	82	22	t	t	PROPN
bae-3263	82	23	(	(	PUNCT
bae-3263	82	24	base	base	NOUN
bae-3263	82	25	period	period	NOUN
bae-3263	82	26	)	)	PUNCT
bae-3263	82	27	and	and	CCONJ
bae-3263	82	28	period	period	NOUN
bae-3263	82	29	t+1	t+1	PRON
bae-3263	82	30	can	can	AUX
bae-3263	82	31	be	be	AUX
bae-3263	82	32	written	write	VERB
bae-3263	82	33	as	as	ADP
bae-3263	82	34	:	:	PUNCT
bae-3263	82	35	m	m	PROPN
bae-3263	82	36	(	(	PUNCT
bae-3263	82	37	xt+1	xt+1	PROPN
bae-3263	82	38	,	,	PUNCT
bae-3263	82	39	yt+1,xt	yt+1,xt	PROPN
bae-3263	82	40	,	,	PUNCT
bae-3263	82	41	yt	yt	NOUN
bae-3263	82	42	)	)	PUNCT
bae-3263	82	43	=	=	NOUN
bae-3263	82	44	{	{	PUNCT
bae-3263	82	45	dt	dt	X
bae-3263	82	46	(	(	PUNCT
bae-3263	82	47	xt+1	xt+1	PROPN
bae-3263	82	48	,	,	PUNCT
bae-3263	82	49	yt+1	yt+1	NUM
bae-3263	82	50	)	)	PUNCT
bae-3263	82	51	dt+1	dt+1	PROPN
bae-3263	82	52	(	(	PUNCT
bae-3263	82	53	xt+1	xt+1	PROPN
bae-3263	82	54	,	,	PUNCT
bae-3263	82	55	yt+1	yt+1	NUM
bae-3263	82	56	)	)	PUNCT
bae-3263	82	57	/	/	SYM
bae-3263	82	58	dt	dt	X
bae-3263	82	59	(	(	PUNCT
bae-3263	82	60	xt	xt	X
bae-3263	82	61	,	,	PUNCT
bae-3263	82	62	yt	yt	PROPN
bae-3263	82	63	)	)	PUNCT
bae-3263	82	64	dt+1	dt+1	PROPN
bae-3263	82	65	(	(	PUNCT
bae-3263	82	66	xt	xt	X
bae-3263	82	67	,	,	PUNCT
bae-3263	82	68	yt)}1/2	yt)}1/2	PROPN
bae-3263	82	69	(	(	PUNCT
bae-3263	82	70	1	1	NUM
bae-3263	82	71	)	)	PUNCT
bae-3263	82	72	where	where	SCONJ
bae-3263	82	73	the	the	DET
bae-3263	82	74	notation	notation	NOUN
bae-3263	82	75	d	d	PROPN
bae-3263	82	76	represents	represent	VERB
bae-3263	82	77	the	the	DET
bae-3263	82	78	distance	distance	NOUN
bae-3263	82	79	function	function	NOUN
bae-3263	82	80	,	,	PUNCT
bae-3263	82	81	x	x	PUNCT
bae-3263	82	82	and	and	CCONJ
bae-3263	82	83	y	y	PROPN
bae-3263	82	84	are	be	AUX
bae-3263	82	85	inputs	input	NOUN
bae-3263	82	86	and	and	CCONJ
bae-3263	82	87	outputs	output	NOUN
bae-3263	82	88	respectively	respectively	ADV
bae-3263	82	89	,	,	PUNCT
bae-3263	82	90	and	and	CCONJ
bae-3263	82	91	the	the	DET
bae-3263	82	92	value	value	NOUN
bae-3263	82	93	of	of	ADP
bae-3263	82	94	m	m	PROPN
bae-3263	82	95	is	be	AUX
bae-3263	82	96	the	the	DET
bae-3263	82	97	malmquist	malmquist	PROPN
bae-3263	82	98	productivity	productivity	PROPN
bae-3263	82	99	index	index	PROPN
bae-3263	82	100	.	.	PUNCT
bae-3263	83	1	a	a	DET
bae-3263	83	2	value	value	NOUN
bae-3263	83	3	of	of	ADP
bae-3263	83	4	m	m	NOUN
bae-3263	83	5	greater	great	ADJ
bae-3263	83	6	than	than	ADP
bae-3263	83	7	one	one	NUM
bae-3263	83	8	(	(	PUNCT
bae-3263	83	9	i.e.	i.e.	X
bae-3263	83	10	m	m	VERB
bae-3263	83	11	>	>	ADJ
bae-3263	83	12	1	1	NUM
bae-3263	83	13	)	)	PUNCT
bae-3263	83	14	denotes	denote	VERB
bae-3263	83	15	productivity	productivity	NOUN
bae-3263	83	16	growth	growth	NOUN
bae-3263	83	17	,	,	PUNCT
bae-3263	83	18	while	while	SCONJ
bae-3263	83	19	a	a	DET
bae-3263	83	20	value	value	NOUN
bae-3263	83	21	less	less	ADJ
bae-3263	83	22	than	than	ADP
bae-3263	83	23	one	one	NUM
bae-3263	83	24	(	(	PUNCT
bae-3263	83	25	m<1	m<1	NOUN
bae-3263	83	26	)	)	PUNCT
bae-3263	83	27	indicates	indicate	VERB
bae-3263	83	28	productivity	productivity	NOUN
bae-3263	83	29	decline	decline	NOUN
bae-3263	83	30	,	,	PUNCT
bae-3263	83	31	and	and	CCONJ
bae-3263	83	32	m=1	m=1	PROPN
bae-3263	83	33	indicates	indicate	VERB
bae-3263	83	34	no	no	DET
bae-3263	83	35	productivity	productivity	NOUN
bae-3263	83	36	change	change	NOUN
bae-3263	83	37	.	.	PUNCT
bae-3263	84	1	this	this	PRON
bae-3263	84	2	represents	represent	VERB
bae-3263	84	3	the	the	DET
bae-3263	84	4	productivity	productivity	NOUN
bae-3263	84	5	of	of	ADP
bae-3263	84	6	the	the	DET
bae-3263	84	7	production	production	NOUN
bae-3263	84	8	point	point	NOUN
bae-3263	84	9	(	(	PUNCT
bae-3263	84	10	xt+1	xt+1	PROPN
bae-3263	84	11	,	,	PUNCT
bae-3263	84	12	yt+1	yt+1	NUM
bae-3263	84	13	)	)	PUNCT
bae-3263	84	14	relative	relative	ADJ
bae-3263	84	15	to	to	ADP
bae-3263	84	16	the	the	DET
bae-3263	84	17	production	production	NOUN
bae-3263	84	18	point	point	NOUN
bae-3263	84	19	(	(	PUNCT
bae-3263	84	20	xt	xt	PROPN
bae-3263	84	21	,	,	PUNCT
bae-3263	84	22	yt	yt	PROPN
bae-3263	84	23	)	)	PUNCT
bae-3263	84	24	.	.	PUNCT
bae-3263	85	1	calculation	calculation	NOUN
bae-3263	85	2	of	of	ADP
bae-3263	85	3	the	the	DET
bae-3263	85	4	malmquist	malmquist	PROPN
bae-3263	85	5	index	index	NOUN
bae-3263	85	6	for	for	ADP
bae-3263	85	7	adjacent	adjacent	ADJ
bae-3263	85	8	periods	period	NOUN
bae-3263	85	9	includes	include	VERB
bae-3263	85	10	four	four	NUM
bae-3263	85	11	different	different	ADJ
bae-3263	85	12	distance	distance	NOUN
bae-3263	85	13	functions	function	NOUN
bae-3263	85	14	–	–	PUNCT
bae-3263	85	15	dt(yt	dt(yt	PROPN
bae-3263	85	16	,	,	PUNCT
bae-3263	85	17	xt	xt	NUM
bae-3263	85	18	)	)	PUNCT
bae-3263	85	19	,	,	PUNCT
bae-3263	85	20	dt(yt+1	dt(yt+1	PROPN
bae-3263	85	21	,	,	PUNCT
bae-3263	85	22	xt+1	xt+1	NUM
bae-3263	85	23	)	)	PUNCT
bae-3263	85	24	,	,	PUNCT
bae-3263	85	25	dt+1(yt	dt+1(yt	PROPN
bae-3263	85	26	,	,	PUNCT
bae-3263	85	27	xt	xt	X
bae-3263	85	28	)	)	PUNCT
bae-3263	85	29	and	and	CCONJ
bae-3263	85	30	dt+1(yt+1	dt+1(yt+1	PROPN
bae-3263	85	31	,	,	PUNCT
bae-3263	85	32	xt+1	xt+1	NUM
bae-3263	85	33	)	)	PUNCT
bae-3263	85	34	.	.	PUNCT
bae-3263	86	1	the	the	DET
bae-3263	86	2	function	function	NOUN
bae-3263	86	3	in	in	ADP
bae-3263	86	4	equation	equation	NOUN
bae-3263	86	5	(	(	PUNCT
bae-3263	86	6	1	1	X
bae-3263	86	7	)	)	PUNCT
bae-3263	86	8	can	can	AUX
bae-3263	86	9	further	far	ADV
bae-3263	86	10	be	be	AUX
bae-3263	86	11	broken	break	VERB
bae-3263	86	12	down	down	ADP
bae-3263	86	13	into	into	ADP
bae-3263	86	14	its	its	PRON
bae-3263	86	15	components	component	NOUN
bae-3263	86	16	:	:	PUNCT
bae-3263	86	17	efficiency	efficiency	NOUN
bae-3263	86	18	change	change	NOUN
bae-3263	86	19	=	=	SYM
bae-3263	86	20	dt+1	dt+1	PROPN
bae-3263	86	21	(	(	PUNCT
bae-3263	86	22	xt+1	xt+1	PROPN
bae-3263	86	23	,	,	PUNCT
bae-3263	86	24	yt+1	yt+1	NUM
bae-3263	86	25	)	)	PUNCT
bae-3263	86	26	/	/	SYM
bae-3263	87	1	dt	dt	PROPN
bae-3263	87	2	(	(	PUNCT
bae-3263	87	3	xt	xt	PROPN
bae-3263	87	4	,	,	PUNCT
bae-3263	87	5	yt	yt	PROPN
bae-3263	87	6	)	)	PUNCT
bae-3263	87	7	(	(	PUNCT
bae-3263	87	8	2	2	NUM
bae-3263	87	9	)	)	PUNCT
bae-3263	87	10	,	,	PUNCT
bae-3263	87	11	and	and	CCONJ
bae-3263	87	12	technical	technical	ADJ
bae-3263	87	13	change	change	NOUN
bae-3263	87	14	=	=	PUNCT
bae-3263	88	1	[	[	X
bae-3263	88	2	(	(	PUNCT
bae-3263	88	3	dt	dt	X
bae-3263	88	4	(	(	PUNCT
bae-3263	88	5	xt+1	xt+1	PROPN
bae-3263	88	6	,	,	PUNCT
bae-3263	88	7	yt+1	yt+1	NUM
bae-3263	88	8	)	)	PUNCT
bae-3263	88	9	/	/	SYM
bae-3263	88	10	dt+1	dt+1	PROPN
bae-3263	88	11	(	(	PUNCT
bae-3263	88	12	xt+1	xt+1	PROPN
bae-3263	88	13	,	,	PUNCT
bae-3263	88	14	yt+1	yt+1	NUM
bae-3263	88	15	)	)	PUNCT
bae-3263	88	16	(	(	PUNCT
bae-3263	88	17	dt	dt	X
bae-3263	88	18	(	(	PUNCT
bae-3263	88	19	xt	xt	X
bae-3263	88	20	,	,	PUNCT
bae-3263	88	21	yt	yt	PROPN
bae-3263	88	22	)	)	PUNCT
bae-3263	88	23	/	/	SYM
bae-3263	88	24	dt+1	dt+1	PROPN
bae-3263	88	25	(	(	PUNCT
bae-3263	88	26	xt	xt	PROPN
bae-3263	88	27	,	,	PUNCT
bae-3263	88	28	yt)]1/2	yt)]1/2	NUM
bae-3263	88	29	(	(	PUNCT
bae-3263	88	30	3	3	NUM
bae-3263	88	31	)	)	PUNCT
bae-3263	88	32	the	the	DET
bae-3263	88	33	efficiency	efficiency	NOUN
bae-3263	88	34	change	change	NOUN
bae-3263	88	35	in	in	ADP
bae-3263	88	36	equation	equation	NOUN
bae-3263	88	37	(	(	PUNCT
bae-3263	88	38	2	2	X
bae-3263	88	39	)	)	PUNCT
bae-3263	88	40	represents	represent	VERB
bae-3263	88	41	the	the	DET
bae-3263	88	42	change	change	NOUN
bae-3263	88	43	of	of	ADP
bae-3263	88	44	technical	technical	ADJ
bae-3263	88	45	efficiency	efficiency	NOUN
bae-3263	88	46	(	(	PUNCT
bae-3263	88	47	effch	effch	NOUN
bae-3263	88	48	)	)	PUNCT
bae-3263	88	49	between	between	ADP
bae-3263	88	50	time	time	NOUN
bae-3263	88	51	t	t	PROPN
bae-3263	88	52	and	and	CCONJ
bae-3263	88	53	t+1	t+1	PROPN
bae-3263	88	54	,	,	PUNCT
bae-3263	88	55	which	which	PRON
bae-3263	88	56	is	be	AUX
bae-3263	88	57	the	the	DET
bae-3263	88	58	change	change	NOUN
bae-3263	88	59	in	in	ADP
bae-3263	88	60	the	the	DET
bae-3263	88	61	relative	relative	ADJ
bae-3263	88	62	distance	distance	NOUN
bae-3263	88	63	of	of	ADP
bae-3263	88	64	the	the	DET
bae-3263	88	65	observed	observed	ADJ
bae-3263	88	66	production	production	NOUN
bae-3263	88	67	from	from	ADP
bae-3263	88	68	the	the	DET
bae-3263	88	69	maximum	maximum	ADJ
bae-3263	88	70	potential	potential	ADJ
bae-3263	88	71	production	production	NOUN
bae-3263	88	72	.	.	PUNCT
bae-3263	89	1	the	the	DET
bae-3263	89	2	technical	technical	ADJ
bae-3263	89	3	change	change	NOUN
bae-3263	89	4	(	(	PUNCT
bae-3263	89	5	techch	techch	NOUN
bae-3263	89	6	)	)	PUNCT
bae-3263	89	7	is	be	AUX
bae-3263	89	8	the	the	DET
bae-3263	89	9	geometric	geometric	ADJ
bae-3263	89	10	mean	mean	NOUN
bae-3263	89	11	of	of	ADP
bae-3263	89	12	the	the	DET
bae-3263	89	13	two	two	NUM
bae-3263	89	14	productivity	productivity	NOUN
bae-3263	89	15	indexes	index	NOUN
bae-3263	89	16	,	,	PUNCT
bae-3263	89	17	representing	represent	VERB
bae-3263	89	18	shift	shift	NOUN
bae-3263	89	19	in	in	ADP
bae-3263	89	20	production	production	NOUN
bae-3263	89	21	technologies	technology	NOUN
bae-3263	89	22	between	between	ADP
bae-3263	89	23	time	time	NOUN
bae-3263	89	24	t	t	PROPN
bae-3263	89	25	and	and	CCONJ
bae-3263	89	26	t+1	t+1	PRON
bae-3263	89	27	.	.	PUNCT
bae-3263	90	1	in	in	ADP
bae-3263	90	2	addition	addition	NOUN
bae-3263	90	3	,	,	PUNCT
bae-3263	90	4	the	the	DET
bae-3263	90	5	technical	technical	ADJ
bae-3263	90	6	efficiency	efficiency	NOUN
bae-3263	90	7	change	change	NOUN
bae-3263	90	8	can	can	AUX
bae-3263	90	9	be	be	AUX
bae-3263	90	10	further	far	ADV
bae-3263	90	11	broken	break	VERB
bae-3263	90	12	down	down	ADP
bae-3263	90	13	into	into	ADP
bae-3263	90	14	:	:	PUNCT
bae-3263	90	15	pure	pure	ADJ
bae-3263	90	16	technical	technical	ADJ
bae-3263	90	17	efficiency	efficiency	NOUN
bae-3263	90	18	=	=	PUNCT
bae-3263	90	19	dt+1	dt+1	PROPN
bae-3263	90	20	(	(	PUNCT
bae-3263	90	21	xt+1	xt+1	PROPN
bae-3263	90	22	,	,	PUNCT
bae-3263	90	23	yt+1	yt+1	NUM
bae-3263	90	24	)	)	PUNCT
bae-3263	90	25	/	/	SYM
bae-3263	91	1	dt	dt	X
bae-3263	91	2	(	(	PUNCT
bae-3263	91	3	xt	xt	X
bae-3263	91	4	,	,	PUNCT
bae-3263	91	5	yt	yt	PROPN
bae-3263	91	6	)	)	PUNCT
bae-3263	91	7	(	(	PUNCT
bae-3263	91	8	4	4	X
bae-3263	91	9	)	)	PUNCT
bae-3263	91	10	scale	scale	NOUN
bae-3263	91	11	efficiency	efficiency	NOUN
bae-3263	91	12	change	change	NOUN
bae-3263	91	13	=	=	PUNCT
bae-3263	91	14	dt+1(v	dt+1(v	X
bae-3263	91	15	)	)	PUNCT
bae-3263	91	16	(	(	PUNCT
bae-3263	91	17	xt+1	xt+1	PROPN
bae-3263	91	18	,	,	PUNCT
bae-3263	91	19	yt+1)/	yt+1)/	PROPN
bae-3263	91	20	dt+1(c	dt+1(c	PROPN
bae-3263	91	21	)	)	PUNCT
bae-3263	91	22	(	(	PUNCT
bae-3263	91	23	xt+1	xt+1	PROPN
bae-3263	91	24	,	,	PUNCT
bae-3263	91	25	yt+1	yt+1	NUM
bae-3263	91	26	)	)	PUNCT
bae-3263	91	27	*	*	SYM
bae-3263	91	28	dt(v	dt(v	PROPN
bae-3263	91	29	)	)	PUNCT
bae-3263	91	30	(	(	PUNCT
bae-3263	91	31	xt+1	xt+1	PROPN
bae-3263	91	32	,	,	PUNCT
bae-3263	91	33	yt+1)/	yt+1)/	NOUN
bae-3263	91	34	dt(c	dt(c	VERB
bae-3263	91	35	)	)	PUNCT
bae-3263	91	36	(	(	PUNCT
bae-3263	91	37	xt+1	xt+1	PROPN
bae-3263	91	38	,	,	PUNCT
bae-3263	91	39	yt+1	yt+1	NUM
bae-3263	91	40	)	)	PUNCT
bae-3263	91	41	1/2	1/2	NUM
bae-3263	91	42	dt+1(v	dt+1(v	NOUN
bae-3263	91	43	)	)	PUNCT
bae-3263	91	44	(	(	PUNCT
bae-3263	91	45	xt	xt	ADP
bae-3263	91	46	,	,	PUNCT
bae-3263	91	47	yt)/	yt)/	PROPN
bae-3263	91	48	dt+1(c	dt+1(c	NOUN
bae-3263	91	49	)	)	PUNCT
bae-3263	91	50	(	(	PUNCT
bae-3263	91	51	xt	xt	X
bae-3263	91	52	,	,	PUNCT
bae-3263	91	53	yt	yt	PROPN
bae-3263	91	54	)	)	PUNCT
bae-3263	91	55	dt(v	dt(v	PROPN
bae-3263	91	56	)	)	PUNCT
bae-3263	91	57	(	(	PUNCT
bae-3263	91	58	xt	xt	X
bae-3263	91	59	,	,	PUNCT
bae-3263	91	60	yt)/	yt)/	PROPN
bae-3263	91	61	dt(c	dt(c	NOUN
bae-3263	91	62	)	)	PUNCT
bae-3263	91	63	(	(	PUNCT
bae-3263	91	64	xt	xt	X
bae-3263	91	65	,	,	PUNCT
bae-3263	91	66	yt	yt	PROPN
bae-3263	91	67	)	)	PUNCT
bae-3263	91	68	(	(	PUNCT
bae-3263	91	69	5	5	X
bae-3263	91	70	)	)	PUNCT
bae-3263	91	71	the	the	DET
bae-3263	91	72	scale	scale	NOUN
bae-3263	91	73	efficiency	efficiency	NOUN
bae-3263	91	74	change	change	NOUN
bae-3263	91	75	component	component	NOUN
bae-3263	91	76	in	in	ADP
bae-3263	91	77	equation	equation	NOUN
bae-3263	91	78	(	(	PUNCT
bae-3263	91	79	5	5	NUM
bae-3263	91	80	)	)	PUNCT
bae-3263	91	81	is	be	AUX
bae-3263	91	82	actually	actually	ADV
bae-3263	91	83	the	the	DET
bae-3263	91	84	geometric	geometric	ADJ
bae-3263	91	85	mean	mean	NOUN
bae-3263	91	86	of	of	ADP
bae-3263	91	87	two	two	NUM
bae-3263	91	88	scale	scale	NOUN
bae-3263	91	89	efficiencies	efficiency	NOUN
bae-3263	91	90	.	.	PUNCT
bae-3263	92	1	the	the	DET
bae-3263	92	2	first	first	ADJ
bae-3263	92	3	is	be	AUX
bae-3263	92	4	relative	relative	ADJ
bae-3263	92	5	to	to	ADP
bae-3263	92	6	the	the	DET
bae-3263	92	7	period	period	NOUN
bae-3263	92	8	t+1	t+1	NUM
bae-3263	92	9	technology	technology	NOUN
bae-3263	92	10	and	and	CCONJ
bae-3263	92	11	the	the	DET
bae-3263	92	12	second	second	NOUN
bae-3263	92	13	is	be	AUX
bae-3263	92	14	relative	relative	ADJ
bae-3263	92	15	to	to	ADP
bae-3263	92	16	period	period	NOUN
bae-3263	92	17	t	t	PROPN
bae-3263	92	18	technology	technology	NOUN
bae-3263	92	19	.	.	PUNCT
bae-3263	93	1	the	the	DET
bae-3263	93	2	extra	extra	ADJ
bae-3263	93	3	subscripts	subscript	NOUN
bae-3263	93	4	of	of	ADP
bae-3263	93	5	v	v	NOUN
bae-3263	93	6	and	and	CCONJ
bae-3263	93	7	c	c	NOUN
bae-3263	93	8	,	,	PUNCT
bae-3263	93	9	relate	relate	VERB
bae-3263	93	10	to	to	ADP
bae-3263	93	11	the	the	DET
bae-3263	93	12	vrs	vrs	ADJ
bae-3263	93	13	and	and	CCONJ
bae-3263	93	14	crs	crs	PROPN
bae-3263	93	15	technologies	technology	NOUN
bae-3263	93	16	,	,	PUNCT
bae-3263	93	17	respectively	respectively	ADV
bae-3263	93	18	.	.	PUNCT
bae-3263	94	1	276	276	NUM
bae-3263	94	2	m.a	m.a	PROPN
bae-3263	94	3	.	.	PROPN
bae-3263	94	4	olasupo	olasupo	PROPN
bae-3263	94	5	,	,	PUNCT
bae-3263	94	6	c.a	c.a	PROPN
bae-3263	94	7	.	.	PROPN
bae-3263	94	8	afolami	afolami	PROPN
bae-3263	94	9	,	,	PUNCT
bae-3263	94	10	a.m.	a.m.	PROPN
bae-3263	94	11	shittu	shittu	PROPN
bae-3263	94	12	,	,	PUNCT
bae-3263	94	13	a.a.a	a.a.a	PROPN
bae-3263	94	14	.	.	PUNCT
bae-3263	94	15	agboola	agboola	PROPN
bae-3263	94	16	2.1	2.1	NUM
bae-3263	94	17	study	study	NOUN
bae-3263	94	18	data	datum	NOUN
bae-3263	94	19	and	and	CCONJ
bae-3263	94	20	sources	source	NOUN
bae-3263	94	21	this	this	DET
bae-3263	94	22	study	study	NOUN
bae-3263	94	23	took	take	VERB
bae-3263	94	24	a	a	DET
bae-3263	94	25	census	census	NOUN
bae-3263	94	26	of	of	ADP
bae-3263	94	27	all	all	DET
bae-3263	94	28	the	the	DET
bae-3263	94	29	86	86	NUM
bae-3263	94	30	microfinance	microfinance	NOUN
bae-3263	94	31	banks	bank	NOUN
bae-3263	94	32	in	in	ADP
bae-3263	94	33	ogun	ogun	PROPN
bae-3263	94	34	,	,	PUNCT
bae-3263	94	35	oyo	oyo	NOUN
bae-3263	94	36	and	and	CCONJ
bae-3263	94	37	ondo	ondo	NOUN
bae-3263	94	38	states	state	NOUN
bae-3263	94	39	and	and	CCONJ
bae-3263	94	40	observed	observe	VERB
bae-3263	94	41	their	their	PRON
bae-3263	94	42	operation	operation	NOUN
bae-3263	94	43	activities	activity	NOUN
bae-3263	94	44	from	from	ADP
bae-3263	94	45	2006	2006	NUM
bae-3263	94	46	to	to	ADP
bae-3263	94	47	2010	2010	NUM
bae-3263	94	48	.	.	PUNCT
bae-3263	95	1	mfbs	mfbs	NOUN
bae-3263	95	2	for	for	ADP
bae-3263	95	3	this	this	DET
bae-3263	95	4	study	study	NOUN
bae-3263	95	5	were	be	AUX
bae-3263	95	6	limited	limit	VERB
bae-3263	95	7	to	to	ADP
bae-3263	95	8	unit	unit	NOUN
bae-3263	95	9	mfbs	mfbs	NOUN
bae-3263	95	10	(	(	PUNCT
bae-3263	95	11	mfbs	mfb	VERB
bae-3263	95	12	with	with	ADP
bae-3263	95	13	minimum	minimum	ADJ
bae-3263	95	14	capital	capital	NOUN
bae-3263	95	15	requirement	requirement	NOUN
bae-3263	95	16	of	of	ADP
bae-3263	95	17	n20	n20	NOUN
bae-3263	95	18	million	million	NUM
bae-3263	95	19	)	)	PUNCT
bae-3263	95	20	to	to	PART
bae-3263	95	21	create	create	VERB
bae-3263	95	22	a	a	DET
bae-3263	95	23	fair	fair	ADJ
bae-3263	95	24	platform	platform	NOUN
bae-3263	95	25	to	to	PART
bae-3263	95	26	assess	assess	VERB
bae-3263	95	27	the	the	DET
bae-3263	95	28	operations	operation	NOUN
bae-3263	95	29	of	of	ADP
bae-3263	95	30	firms	firm	NOUN
bae-3263	95	31	on	on	ADP
bae-3263	95	32	a	a	DET
bae-3263	95	33	similar	similar	ADJ
bae-3263	95	34	operational	operational	ADJ
bae-3263	95	35	level	level	NOUN
bae-3263	95	36	.	.	PUNCT
bae-3263	96	1	2.2	2.2	NUM
bae-3263	96	2	performance	performance	NOUN
bae-3263	96	3	measurement	measurement	NOUN
bae-3263	96	4	using	use	VERB
bae-3263	96	5	accounting	accounting	NOUN
bae-3263	96	6	ratios	ratio	NOUN
bae-3263	96	7	the	the	DET
bae-3263	96	8	performance	performance	NOUN
bae-3263	96	9	indicators	indicator	NOUN
bae-3263	96	10	of	of	ADP
bae-3263	96	11	the	the	DET
bae-3263	96	12	mfbs	mfbs	NOUN
bae-3263	96	13	were	be	AUX
bae-3263	96	14	measured	measure	VERB
bae-3263	96	15	around	around	ADP
bae-3263	96	16	key	key	ADJ
bae-3263	96	17	operational	operational	ADJ
bae-3263	96	18	indices	index	NOUN
bae-3263	96	19	like	like	ADP
bae-3263	96	20	portfolio	portfolio	NOUN
bae-3263	96	21	quality	quality	NOUN
bae-3263	96	22	,	,	PUNCT
bae-3263	96	23	financial	financial	ADJ
bae-3263	96	24	management	management	NOUN
bae-3263	96	25	,	,	PUNCT
bae-3263	96	26	efficiency	efficiency	NOUN
bae-3263	96	27	and	and	CCONJ
bae-3263	96	28	productivity	productivity	NOUN
bae-3263	96	29	and	and	CCONJ
bae-3263	96	30	also	also	ADV
bae-3263	96	31	profitability	profitability	NOUN
bae-3263	96	32	and	and	CCONJ
bae-3263	96	33	sustainability	sustainability	NOUN
bae-3263	96	34	.	.	PUNCT
bae-3263	97	1	there	there	PRON
bae-3263	97	2	are	be	VERB
bae-3263	97	3	many	many	ADJ
bae-3263	97	4	ratios	ratio	NOUN
bae-3263	97	5	used	use	VERB
bae-3263	97	6	in	in	ADP
bae-3263	97	7	banking	banking	NOUN
bae-3263	97	8	and	and	CCONJ
bae-3263	97	9	microfinance	microfinance	NOUN
bae-3263	97	10	but	but	CCONJ
bae-3263	97	11	this	this	DET
bae-3263	97	12	study	study	NOUN
bae-3263	97	13	will	will	AUX
bae-3263	97	14	adopt	adopt	VERB
bae-3263	97	15	ratios	ratio	NOUN
bae-3263	97	16	based	base	VERB
bae-3263	97	17	on	on	ADP
bae-3263	97	18	the	the	DET
bae-3263	97	19	toolkit	toolkit	NOUN
bae-3263	97	20	referred	refer	VERB
bae-3263	97	21	to	to	ADP
bae-3263	97	22	as	as	ADP
bae-3263	97	23	“	"	PUNCT
bae-3263	97	24	seep	seep	VERB
bae-3263	97	25	ratios	ratio	NOUN
bae-3263	97	26	”	"	PUNCT
bae-3263	97	27	.	.	PUNCT
bae-3263	98	1	seep	seep	VERB
bae-3263	98	2	(	(	PUNCT
bae-3263	98	3	small	small	ADJ
bae-3263	98	4	enterprise	enterprise	NOUN
bae-3263	98	5	education	education	NOUN
bae-3263	98	6	and	and	CCONJ
bae-3263	98	7	promotion	promotion	NOUN
bae-3263	98	8	network	network	NOUN
bae-3263	98	9	)	)	PUNCT
bae-3263	98	10	has	have	AUX
bae-3263	98	11	published	publish	VERB
bae-3263	98	12	a	a	DET
bae-3263	98	13	framework	framework	NOUN
bae-3263	98	14	that	that	PRON
bae-3263	98	15	advocates	advocate	VERB
bae-3263	98	16	industry	industry	NOUN
bae-3263	98	17	standard	standard	ADJ
bae-3263	98	18	ratios	ratio	NOUN
bae-3263	98	19	for	for	ADP
bae-3263	98	20	the	the	DET
bae-3263	98	21	monitoring	monitoring	NOUN
bae-3263	98	22	of	of	ADP
bae-3263	98	23	microfinance	microfinance	NOUN
bae-3263	98	24	institutions	institution	NOUN
bae-3263	98	25	in	in	ADP
bae-3263	98	26	credit	credit	NOUN
bae-3263	98	27	operations	operation	NOUN
bae-3263	98	28	.	.	PUNCT
bae-3263	99	1	the	the	DET
bae-3263	99	2	framework	framework	NOUN
bae-3263	99	3	builds	build	VERB
bae-3263	99	4	on	on	ADP
bae-3263	99	5	a	a	DET
bae-3263	99	6	consensus	consensus	NOUN
bae-3263	99	7	of	of	ADP
bae-3263	99	8	practitioners	practitioner	NOUN
bae-3263	99	9	,	,	PUNCT
bae-3263	99	10	donors	donor	NOUN
bae-3263	99	11	(	(	PUNCT
bae-3263	99	12	including	include	VERB
bae-3263	99	13	cgap	cgap	NOUN
bae-3263	99	14	{	{	PUNCT
bae-3263	99	15	consultative	consultative	ADJ
bae-3263	99	16	group	group	NOUN
bae-3263	99	17	to	to	PART
bae-3263	99	18	assist	assist	VERB
bae-3263	99	19	the	the	DET
bae-3263	99	20	poor	poor	ADJ
bae-3263	99	21	}	}	PUNCT
bae-3263	99	22	)	)	PUNCT
bae-3263	99	23	,	,	PUNCT
bae-3263	99	24	evaluators	evaluator	NOUN
bae-3263	99	25	and	and	CCONJ
bae-3263	99	26	others	other	NOUN
bae-3263	99	27	in	in	ADP
bae-3263	99	28	the	the	DET
bae-3263	99	29	microfinance	microfinance	NOUN
bae-3263	99	30	industry	industry	NOUN
bae-3263	99	31	(	(	PUNCT
bae-3263	99	32	including	include	VERB
bae-3263	99	33	the	the	DET
bae-3263	99	34	mix	mix	NOUN
bae-3263	99	35	{	{	PUNCT
bae-3263	99	36	microfinance	microfinance	NOUN
bae-3263	99	37	information	information	NOUN
bae-3263	99	38	exchange	exchange	NOUN
bae-3263	99	39	.	.	PUNCT
bae-3263	100	1	2.3	2.3	NUM
bae-3263	100	2	malmquist	malmquist	NOUN
bae-3263	100	3	productivity	productivity	NOUN
bae-3263	100	4	index	index	NOUN
bae-3263	100	5	(	(	PUNCT
bae-3263	100	6	mpi	mpi	PROPN
bae-3263	100	7	)	)	PUNCT
bae-3263	100	8	there	there	PRON
bae-3263	100	9	are	be	VERB
bae-3263	100	10	many	many	ADJ
bae-3263	100	11	different	different	ADJ
bae-3263	100	12	methods	method	NOUN
bae-3263	100	13	that	that	PRON
bae-3263	100	14	could	could	AUX
bae-3263	100	15	be	be	AUX
bae-3263	100	16	used	use	VERB
bae-3263	100	17	to	to	PART
bae-3263	100	18	measure	measure	VERB
bae-3263	100	19	the	the	DET
bae-3263	100	20	distance	distance	NOUN
bae-3263	100	21	function	function	NOUN
bae-3263	100	22	,	,	PUNCT
bae-3263	100	23	which	which	PRON
bae-3263	100	24	makes	make	VERB
bae-3263	100	25	up	up	ADP
bae-3263	100	26	the	the	DET
bae-3263	100	27	malmquist	malmquist	PROPN
bae-3263	100	28	productivity	productivity	NOUN
bae-3263	100	29	index	index	NOUN
bae-3263	100	30	.	.	PUNCT
bae-3263	101	1	in	in	ADP
bae-3263	101	2	the	the	DET
bae-3263	101	3	empirical	empirical	ADJ
bae-3263	101	4	part	part	NOUN
bae-3263	101	5	of	of	ADP
bae-3263	101	6	this	this	DET
bae-3263	101	7	study	study	NOUN
bae-3263	101	8	,	,	PUNCT
bae-3263	101	9	following	follow	VERB
bae-3263	101	10	similar	similar	ADJ
bae-3263	101	11	input	input	NOUN
bae-3263	101	12	and	and	CCONJ
bae-3263	101	13	output	output	NOUN
bae-3263	101	14	choices	choice	NOUN
bae-3263	101	15	by	by	ADP
bae-3263	101	16	martinez	martinez	PROPN
bae-3263	101	17	-	-	PUNCT
bae-3263	101	18	gonzalez	gonzalez	PROPN
bae-3263	101	19	(	(	PUNCT
bae-3263	101	20	2008	2008	NUM
bae-3263	101	21	)	)	PUNCT
bae-3263	101	22	in	in	ADP
bae-3263	101	23	the	the	DET
bae-3263	101	24	estimation	estimation	NOUN
bae-3263	101	25	of	of	ADP
bae-3263	101	26	the	the	DET
bae-3263	101	27	efficiency	efficiency	NOUN
bae-3263	101	28	scores	score	NOUN
bae-3263	101	29	of	of	ADP
bae-3263	101	30	mfis	mfis	PROPN
bae-3263	101	31	,	,	PUNCT
bae-3263	101	32	deap	deap	PROPN
bae-3263	101	33	computer	computer	NOUN
bae-3263	101	34	program	program	NOUN
bae-3263	101	35	was	be	AUX
bae-3263	101	36	used	use	VERB
bae-3263	101	37	to	to	PART
bae-3263	101	38	construct	construct	VERB
bae-3263	101	39	malmquist	malmquist	NOUN
bae-3263	101	40	indices	index	NOUN
bae-3263	101	41	using	use	VERB
bae-3263	101	42	dea	dea	NOUN
bae-3263	101	43	-	-	PUNCT
bae-3263	101	44	like	like	ADJ
bae-3263	101	45	methods	method	NOUN
bae-3263	101	46	(	(	PUNCT
bae-3263	101	47	coelli	coelli	PROPN
bae-3263	101	48	,	,	PUNCT
bae-3263	101	49	rao	rao	NOUN
bae-3263	101	50	and	and	CCONJ
bae-3263	101	51	battese	battese	NOUN
bae-3263	101	52	,	,	PUNCT
bae-3263	101	53	2005	2005	NUM
bae-3263	101	54	)	)	PUNCT
bae-3263	101	55	.	.	PUNCT
bae-3263	102	1	since	since	SCONJ
bae-3263	102	2	the	the	DET
bae-3263	102	3	mfb	mfb	NOUN
bae-3263	102	4	’s	’s	PART
bae-3263	102	5	objective	objective	NOUN
bae-3263	102	6	is	be	AUX
bae-3263	102	7	on	on	ADP
bae-3263	102	8	achieving	achieve	VERB
bae-3263	102	9	meaningful	meaningful	ADJ
bae-3263	102	10	increase	increase	NOUN
bae-3263	102	11	in	in	ADP
bae-3263	102	12	outputs	output	NOUN
bae-3263	102	13	,	,	PUNCT
bae-3263	102	14	within	within	ADP
bae-3263	102	15	the	the	DET
bae-3263	102	16	context	context	NOUN
bae-3263	102	17	of	of	ADP
bae-3263	102	18	a	a	DET
bae-3263	102	19	given	give	VERB
bae-3263	102	20	level	level	NOUN
bae-3263	102	21	of	of	ADP
bae-3263	102	22	inputs	input	NOUN
bae-3263	102	23	,	,	PUNCT
bae-3263	102	24	the	the	DET
bae-3263	102	25	malmquist	malmquist	NOUN
bae-3263	102	26	(	(	PUNCT
bae-3263	102	27	output	output	NOUN
bae-3263	102	28	-	-	PUNCT
bae-3263	102	29	orientated	orientate	VERB
bae-3263	102	30	)	)	PUNCT
bae-3263	102	31	tfp	tfp	PROPN
bae-3263	102	32	change	change	NOUN
bae-3263	102	33	index	index	NOUN
bae-3263	102	34	between	between	ADP
bae-3263	102	35	period	period	NOUN
bae-3263	102	36	t	t	PROPN
bae-3263	102	37	(	(	PUNCT
bae-3263	102	38	base	base	NOUN
bae-3263	102	39	period	period	NOUN
bae-3263	102	40	)	)	PUNCT
bae-3263	102	41	and	and	CCONJ
bae-3263	102	42	period	period	NOUN
bae-3263	102	43	t+1	t+1	PRON
bae-3263	102	44	can	can	AUX
bae-3263	102	45	be	be	AUX
bae-3263	102	46	written	write	VERB
bae-3263	102	47	as	as	ADP
bae-3263	102	48	:	:	PUNCT
bae-3263	102	49	m	m	PROPN
bae-3263	102	50	(	(	PUNCT
bae-3263	102	51	xt+1	xt+1	PROPN
bae-3263	102	52	,	,	PUNCT
bae-3263	102	53	yt+1,xt	yt+1,xt	PROPN
bae-3263	102	54	,	,	PUNCT
bae-3263	102	55	yt	yt	NOUN
bae-3263	102	56	)	)	PUNCT
bae-3263	102	57	=	=	NOUN
bae-3263	102	58	{	{	PUNCT
bae-3263	102	59	dt	dt	X
bae-3263	102	60	(	(	PUNCT
bae-3263	102	61	xt+1	xt+1	PROPN
bae-3263	102	62	,	,	PUNCT
bae-3263	102	63	yt+1	yt+1	NUM
bae-3263	102	64	)	)	PUNCT
bae-3263	102	65	dt+1	dt+1	PROPN
bae-3263	102	66	(	(	PUNCT
bae-3263	102	67	xt+1	xt+1	PROPN
bae-3263	102	68	,	,	PUNCT
bae-3263	102	69	yt+1	yt+1	NUM
bae-3263	102	70	)	)	PUNCT
bae-3263	102	71	/	/	SYM
bae-3263	102	72	dt	dt	X
bae-3263	102	73	(	(	PUNCT
bae-3263	102	74	xt	xt	X
bae-3263	102	75	,	,	PUNCT
bae-3263	102	76	yt	yt	PROPN
bae-3263	102	77	)	)	PUNCT
bae-3263	102	78	dt+1	dt+1	PROPN
bae-3263	102	79	(	(	PUNCT
bae-3263	102	80	xt	xt	X
bae-3263	102	81	,	,	PUNCT
bae-3263	102	82	yt)}1/2	yt)}1/2	PROPN
bae-3263	102	83	(	(	PUNCT
bae-3263	102	84	6	6	NUM
bae-3263	102	85	)	)	PUNCT
bae-3263	102	86	where	where	SCONJ
bae-3263	102	87	,	,	PUNCT
bae-3263	102	88	m	m	VERB
bae-3263	102	89	=	=	VERB
bae-3263	102	90	malmquist	malmquist	PROPN
bae-3263	102	91	productivity	productivity	NOUN
bae-3263	102	92	index	index	NOUN
bae-3263	102	93	,	,	PUNCT
bae-3263	102	94	and	and	CCONJ
bae-3263	102	95	d	d	NOUN
bae-3263	102	96	=	=	SYM
bae-3263	102	97	distance	distance	NOUN
bae-3263	102	98	function	function	NOUN
bae-3263	102	99	x	x	PUNCT
bae-3263	102	100	and	and	CCONJ
bae-3263	102	101	y	y	PROPN
bae-3263	102	102	=	=	PUNCT
bae-3263	102	103	inputs	input	NOUN
bae-3263	102	104	and	and	CCONJ
bae-3263	102	105	outputs	output	NOUN
bae-3263	102	106	respectively	respectively	ADV
bae-3263	102	107	across	across	ADP
bae-3263	102	108	time	time	NOUN
bae-3263	102	109	period	period	NOUN
bae-3263	102	110	t	t	PROPN
bae-3263	102	111	to	to	ADP
bae-3263	102	112	t+1	t+1	PRON
bae-3263	102	113	.	.	PUNCT
bae-3263	103	1	where	where	SCONJ
bae-3263	103	2	x1	x1	PROPN
bae-3263	103	3	=	=	SYM
bae-3263	103	4	mfb	mfb	PROPN
bae-3263	103	5	’s	’s	NOUN
bae-3263	103	6	operating	operating	NOUN
bae-3263	103	7	expenses	expense	NOUN
bae-3263	103	8	(	(	PUNCT
bae-3263	103	9	n	n	CCONJ
bae-3263	103	10	)	)	PUNCT
bae-3263	103	11	;	;	PUNCT
bae-3263	103	12	x2	x2	PROPN
bae-3263	103	13	=	=	PUNCT
bae-3263	103	14	mfb	mfb	PROPN
bae-3263	103	15	’s	’s	PART
bae-3263	103	16	salaries	salary	NOUN
bae-3263	103	17	and	and	CCONJ
bae-3263	103	18	wages	wage	NOUN
bae-3263	103	19	(	(	PUNCT
bae-3263	103	20	n	n	CCONJ
bae-3263	103	21	)	)	PUNCT
bae-3263	103	22	;	;	PUNCT
bae-3263	103	23	y1	y1	NOUN
bae-3263	103	24	=	=	SYM
bae-3263	103	25	mfb	mfb	NOUN
bae-3263	103	26	’s	’s	ADJ
bae-3263	103	27	gross	gross	ADJ
bae-3263	103	28	loan	loan	NOUN
bae-3263	103	29	portfolio	portfolio	NOUN
bae-3263	103	30	(	(	PUNCT
bae-3263	103	31	n	n	CCONJ
bae-3263	103	32	)	)	PUNCT
bae-3263	103	33	;	;	PUNCT
bae-3263	103	34	y2	y2	PROPN
bae-3263	103	35	=	=	SYM
bae-3263	103	36	mfb	mfb	PROPN
bae-3263	103	37	’s	’s	PART
bae-3263	103	38	total	total	ADJ
bae-3263	103	39	savings	saving	NOUN
bae-3263	103	40	.	.	PUNCT
bae-3263	104	1	the	the	DET
bae-3263	104	2	choice	choice	NOUN
bae-3263	104	3	of	of	ADP
bae-3263	104	4	the	the	DET
bae-3263	104	5	output	output	NOUN
bae-3263	104	6	oriented	orient	VERB
bae-3263	104	7	malmquist	malmquist	NOUN
bae-3263	104	8	index	index	NOUN
bae-3263	104	9	was	be	AUX
bae-3263	104	10	motivated	motivate	VERB
bae-3263	104	11	by	by	ADP
bae-3263	104	12	the	the	DET
bae-3263	104	13	underlying	underlying	ADJ
bae-3263	104	14	assumption	assumption	NOUN
bae-3263	104	15	that	that	SCONJ
bae-3263	104	16	microfinance	microfinance	NOUN
bae-3263	104	17	is	be	AUX
bae-3263	104	18	all	all	ADV
bae-3263	104	19	about	about	ADP
bae-3263	104	20	service	service	NOUN
bae-3263	104	21	delivery	delivery	NOUN
bae-3263	104	22	whose	whose	DET
bae-3263	104	23	primary	primary	ADJ
bae-3263	104	24	objectives	objective	NOUN
bae-3263	104	25	are	be	AUX
bae-3263	104	26	better	well	ADV
bae-3263	104	27	measured	measure	VERB
bae-3263	104	28	in	in	ADP
bae-3263	104	29	terms	term	NOUN
bae-3263	104	30	of	of	ADP
bae-3263	104	31	its	its	PRON
bae-3263	104	32	output	output	NOUN
bae-3263	104	33	vis	vis	X
bae-3263	104	34	-	-	X
bae-3263	104	35	à	à	X
bae-3263	104	36	-	-	PUNCT
bae-3263	104	37	vis	vis	X
bae-3263	104	38	outreach	outreach	NOUN
bae-3263	104	39	,	,	PUNCT
bae-3263	104	40	financial	financial	ADJ
bae-3263	104	41	sustainability	sustainability	NOUN
bae-3263	104	42	and	and	CCONJ
bae-3263	104	43	welfare	welfare	NOUN
bae-3263	104	44	impact	impact	NOUN
bae-3263	104	45	.	.	PUNCT
bae-3263	105	1	277performance	277performance	NOUN
bae-3263	105	2	and	and	CCONJ
bae-3263	105	3	productivity	productivity	NOUN
bae-3263	105	4	changes	change	VERB
bae-3263	105	5	3	3	NUM
bae-3263	105	6	.	.	NOUN
bae-3263	105	7	results	result	NOUN
bae-3263	105	8	and	and	CCONJ
bae-3263	105	9	discussion	discussion	NOUN
bae-3263	105	10	in	in	ADP
bae-3263	105	11	general	general	ADJ
bae-3263	105	12	,	,	PUNCT
bae-3263	105	13	the	the	DET
bae-3263	105	14	sampled	sample	VERB
bae-3263	105	15	mfbs	mfbs	NOUN
bae-3263	105	16	total	total	ADJ
bae-3263	105	17	savings	saving	NOUN
bae-3263	105	18	mobilized	mobilize	VERB
bae-3263	105	19	grew	grow	VERB
bae-3263	105	20	from	from	ADP
bae-3263	105	21	n3.672	n3.672	NOUN
bae-3263	105	22	billion	billion	NUM
bae-3263	105	23	(	(	PUNCT
bae-3263	105	24	$	$	SYM
bae-3263	105	25	22.95	22.95	NUM
bae-3263	105	26	million	million	NUM
bae-3263	105	27	)	)	PUNCT
bae-3263	105	28	in	in	ADP
bae-3263	105	29	2006	2006	NUM
bae-3263	105	30	to	to	ADP
bae-3263	105	31	n4.720	n4.720	PROPN
bae-3263	105	32	billion	billion	NUM
bae-3263	105	33	(	(	PUNCT
bae-3263	105	34	$	$	SYM
bae-3263	105	35	29.50	29.50	NUM
bae-3263	105	36	million	million	NUM
bae-3263	105	37	)	)	PUNCT
bae-3263	105	38	in	in	ADP
bae-3263	105	39	2010	2010	NUM
bae-3263	105	40	,	,	PUNCT
bae-3263	105	41	while	while	SCONJ
bae-3263	105	42	women	woman	NOUN
bae-3263	105	43	savings	saving	NOUN
bae-3263	105	44	represented	represent	VERB
bae-3263	105	45	63	63	NUM
bae-3263	105	46	%	%	NOUN
bae-3263	105	47	and	and	CCONJ
bae-3263	105	48	57	57	NUM
bae-3263	105	49	%	%	NOUN
bae-3263	105	50	of	of	ADP
bae-3263	105	51	the	the	DET
bae-3263	105	52	total	total	ADJ
bae-3263	105	53	savings	saving	NOUN
bae-3263	105	54	in	in	ADP
bae-3263	105	55	2006	2006	NUM
bae-3263	105	56	and	and	CCONJ
bae-3263	105	57	2010	2010	NUM
bae-3263	105	58	respectively	respectively	ADV
bae-3263	105	59	.	.	PUNCT
bae-3263	106	1	the	the	DET
bae-3263	106	2	quantum	quantum	NOUN
bae-3263	106	3	of	of	ADP
bae-3263	106	4	loans	loan	NOUN
bae-3263	106	5	sought	seek	VERB
bae-3263	106	6	by	by	ADP
bae-3263	106	7	the	the	DET
bae-3263	106	8	mfbs	mfbs	NOUN
bae-3263	106	9	’	'	PUNCT
bae-3263	106	10	clients	client	NOUN
bae-3263	106	11	was	be	AUX
bae-3263	106	12	n3.877	n3.877	PROPN
bae-3263	106	13	billion	billion	NUM
bae-3263	106	14	(	(	PUNCT
bae-3263	106	15	$	$	SYM
bae-3263	106	16	24.231million	24.231million	NUM
bae-3263	106	17	)	)	PUNCT
bae-3263	106	18	in	in	ADP
bae-3263	106	19	2006	2006	NUM
bae-3263	106	20	,	,	PUNCT
bae-3263	106	21	it	it	PRON
bae-3263	106	22	grew	grow	VERB
bae-3263	106	23	to	to	PART
bae-3263	106	24	n5.275	n5.275	VERB
bae-3263	106	25	billion	billion	NUM
bae-3263	106	26	(	(	PUNCT
bae-3263	106	27	$	$	SYM
bae-3263	106	28	32.969	32.969	NUM
bae-3263	106	29	million	million	NUM
bae-3263	106	30	)	)	PUNCT
bae-3263	106	31	in	in	ADP
bae-3263	106	32	2008	2008	NUM
bae-3263	106	33	and	and	CCONJ
bae-3263	106	34	reached	reach	VERB
bae-3263	106	35	n7.298	n7.298	PROPN
bae-3263	106	36	billion	billion	NUM
bae-3263	106	37	(	(	PUNCT
bae-3263	106	38	$	$	SYM
bae-3263	106	39	45.612	45.612	NUM
bae-3263	106	40	million	million	NUM
bae-3263	106	41	)	)	PUNCT
bae-3263	106	42	in	in	ADP
bae-3263	106	43	2010	2010	NUM
bae-3263	106	44	.	.	PUNCT
bae-3263	107	1	credit	credit	NOUN
bae-3263	107	2	gap	gap	NOUN
bae-3263	107	3	(	(	PUNCT
bae-3263	107	4	variance	variance	NOUN
bae-3263	107	5	between	between	ADP
bae-3263	107	6	loans	loan	NOUN
bae-3263	107	7	applied	apply	VERB
bae-3263	107	8	for	for	ADP
bae-3263	107	9	by	by	ADP
bae-3263	107	10	beneficiaries	beneficiary	NOUN
bae-3263	107	11	and	and	CCONJ
bae-3263	107	12	loan	loan	NOUN
bae-3263	107	13	approved	approve	VERB
bae-3263	107	14	by	by	ADP
bae-3263	107	15	the	the	DET
bae-3263	107	16	bank	bank	NOUN
bae-3263	107	17	)	)	PUNCT
bae-3263	107	18	of	of	ADP
bae-3263	107	19	between	between	ADP
bae-3263	107	20	17	17	NUM
bae-3263	107	21	%	%	NOUN
bae-3263	107	22	and	and	CCONJ
bae-3263	107	23	20	20	NUM
bae-3263	107	24	%	%	NOUN
bae-3263	107	25	were	be	AUX
bae-3263	107	26	observed	observe	VERB
bae-3263	107	27	over	over	ADP
bae-3263	107	28	the	the	DET
bae-3263	107	29	study	study	NOUN
bae-3263	107	30	period	period	NOUN
bae-3263	107	31	.	.	PUNCT
bae-3263	108	1	the	the	DET
bae-3263	108	2	mfbs	mfbs	NOUN
bae-3263	108	3	outstanding	outstanding	ADJ
bae-3263	108	4	loans	loan	NOUN
bae-3263	108	5	as	as	ADP
bae-3263	108	6	a	a	DET
bae-3263	108	7	percentage	percentage	NOUN
bae-3263	108	8	of	of	ADP
bae-3263	108	9	loans	loan	NOUN
bae-3263	108	10	disbursed	disburse	VERB
bae-3263	108	11	was	be	AUX
bae-3263	108	12	21	21	NUM
bae-3263	108	13	%	%	NOUN
bae-3263	108	14	in	in	ADP
bae-3263	108	15	2006	2006	NUM
bae-3263	108	16	,	,	PUNCT
bae-3263	108	17	22	22	NUM
bae-3263	108	18	%	%	NOUN
bae-3263	108	19	in	in	ADP
bae-3263	108	20	2007	2007	NUM
bae-3263	108	21	,	,	PUNCT
bae-3263	108	22	21	21	NUM
bae-3263	108	23	%	%	NOUN
bae-3263	108	24	in	in	ADP
bae-3263	108	25	both	both	DET
bae-3263	108	26	2008	2008	NUM
bae-3263	108	27	and	and	CCONJ
bae-3263	108	28	2009	2009	NUM
bae-3263	108	29	,	,	PUNCT
bae-3263	108	30	and	and	CCONJ
bae-3263	108	31	19	19	NUM
bae-3263	108	32	%	%	NOUN
bae-3263	108	33	in	in	ADP
bae-3263	108	34	2010	2010	NUM
bae-3263	108	35	.	.	PUNCT
bae-3263	109	1	the	the	DET
bae-3263	109	2	total	total	ADJ
bae-3263	109	3	annual	annual	ADJ
bae-3263	109	4	loans	loan	NOUN
bae-3263	109	5	disbursed	disburse	VERB
bae-3263	109	6	to	to	ADP
bae-3263	109	7	agricultural	agricultural	ADJ
bae-3263	109	8	related	relate	VERB
bae-3263	109	9	activities	activity	NOUN
bae-3263	109	10	grew	grow	VERB
bae-3263	109	11	marginally	marginally	ADV
bae-3263	109	12	by	by	ADP
bae-3263	109	13	1	1	NUM
bae-3263	109	14	%	%	NOUN
bae-3263	109	15	in	in	ADP
bae-3263	109	16	2007	2007	NUM
bae-3263	109	17	,	,	PUNCT
bae-3263	109	18	but	but	CCONJ
bae-3263	109	19	made	make	VERB
bae-3263	109	20	significant	significant	ADJ
bae-3263	109	21	leaps	leap	NOUN
bae-3263	109	22	by	by	ADP
bae-3263	109	23	recording	record	VERB
bae-3263	109	24	growth	growth	NOUN
bae-3263	109	25	figures	figure	NOUN
bae-3263	109	26	of	of	ADP
bae-3263	109	27	20	20	NUM
bae-3263	109	28	%	%	NOUN
bae-3263	109	29	,	,	PUNCT
bae-3263	109	30	21	21	NUM
bae-3263	109	31	%	%	NOUN
bae-3263	109	32	and	and	CCONJ
bae-3263	109	33	5	5	NUM
bae-3263	109	34	%	%	NOUN
bae-3263	109	35	in	in	ADP
bae-3263	109	36	2008	2008	NUM
bae-3263	109	37	,	,	PUNCT
bae-3263	109	38	2009	2009	NUM
bae-3263	109	39	and	and	CCONJ
bae-3263	109	40	2010	2010	NUM
bae-3263	109	41	respectively	respectively	ADV
bae-3263	109	42	.	.	PUNCT
bae-3263	110	1	the	the	DET
bae-3263	110	2	combined	combined	ADJ
bae-3263	110	3	total	total	ADJ
bae-3263	110	4	assets	asset	NOUN
bae-3263	110	5	of	of	ADP
bae-3263	110	6	the	the	DET
bae-3263	110	7	sampled	sample	VERB
bae-3263	110	8	mfbs	mfbs	NOUN
bae-3263	110	9	grew	grow	VERB
bae-3263	110	10	by	by	ADP
bae-3263	110	11	13	13	NUM
bae-3263	110	12	%	%	NOUN
bae-3263	110	13	in	in	ADP
bae-3263	110	14	2007	2007	NUM
bae-3263	110	15	,	,	PUNCT
bae-3263	110	16	12	12	NUM
bae-3263	110	17	%	%	NOUN
bae-3263	110	18	in	in	ADP
bae-3263	110	19	2008	2008	NUM
bae-3263	110	20	,	,	PUNCT
bae-3263	110	21	8	8	NUM
bae-3263	110	22	%	%	NOUN
bae-3263	110	23	in	in	ADP
bae-3263	110	24	2009	2009	NUM
bae-3263	110	25	,	,	PUNCT
bae-3263	110	26	and	and	CCONJ
bae-3263	110	27	7	7	NUM
bae-3263	110	28	%	%	NOUN
bae-3263	110	29	in	in	ADP
bae-3263	110	30	2010	2010	NUM
bae-3263	110	31	.	.	PUNCT
bae-3263	111	1	the	the	DET
bae-3263	111	2	combined	combined	ADJ
bae-3263	111	3	total	total	ADJ
bae-3263	111	4	liabilities	liability	NOUN
bae-3263	111	5	of	of	ADP
bae-3263	111	6	the	the	DET
bae-3263	111	7	sampled	sample	VERB
bae-3263	111	8	mfbs	mfbs	NOUN
bae-3263	111	9	rose	rise	VERB
bae-3263	111	10	by	by	ADP
bae-3263	111	11	11	11	NUM
bae-3263	111	12	%	%	NOUN
bae-3263	111	13	in	in	ADP
bae-3263	111	14	2007	2007	NUM
bae-3263	111	15	,	,	PUNCT
bae-3263	111	16	12	12	NUM
bae-3263	111	17	%	%	NOUN
bae-3263	111	18	in	in	ADP
bae-3263	111	19	2008	2008	NUM
bae-3263	111	20	,	,	PUNCT
bae-3263	111	21	8	8	NUM
bae-3263	111	22	%	%	NOUN
bae-3263	111	23	in	in	ADP
bae-3263	111	24	2009	2009	NUM
bae-3263	111	25	and	and	CCONJ
bae-3263	111	26	7	7	NUM
bae-3263	111	27	%	%	NOUN
bae-3263	111	28	in	in	ADP
bae-3263	111	29	2010	2010	NUM
bae-3263	111	30	.	.	PUNCT
bae-3263	112	1	3.1	3.1	NUM
bae-3263	112	2	performance	performance	NOUN
bae-3263	112	3	indicators	indicator	NOUN
bae-3263	112	4	for	for	ADP
bae-3263	112	5	mfbs	mfbs	NOUN
bae-3263	112	6	the	the	DET
bae-3263	112	7	study	study	NOUN
bae-3263	112	8	attempted	attempt	VERB
bae-3263	112	9	to	to	PART
bae-3263	112	10	compare	compare	VERB
bae-3263	112	11	the	the	DET
bae-3263	112	12	ratios	ratio	NOUN
bae-3263	112	13	of	of	ADP
bae-3263	112	14	the	the	DET
bae-3263	112	15	sampled	sample	VERB
bae-3263	112	16	mfbs	mfbs	NOUN
bae-3263	112	17	with	with	ADP
bae-3263	112	18	the	the	DET
bae-3263	112	19	global	global	ADJ
bae-3263	112	20	average	average	NOUN
bae-3263	112	21	for	for	ADP
bae-3263	112	22	mfis	mfis	NOUN
bae-3263	112	23	reported	report	VERB
bae-3263	112	24	by	by	ADP
bae-3263	112	25	the	the	DET
bae-3263	112	26	central	central	ADJ
bae-3263	112	27	bank	bank	PROPN
bae-3263	112	28	of	of	ADP
bae-3263	112	29	nigeria	nigeria	PROPN
bae-3263	112	30	(	(	PUNCT
bae-3263	112	31	cbn	cbn	PROPN
bae-3263	112	32	)	)	PUNCT
bae-3263	112	33	.	.	PUNCT
bae-3263	113	1	however	however	ADV
bae-3263	113	2	,	,	PUNCT
bae-3263	113	3	it	it	PRON
bae-3263	113	4	should	should	AUX
bae-3263	113	5	be	be	AUX
bae-3263	113	6	noted	note	VERB
bae-3263	113	7	that	that	SCONJ
bae-3263	113	8	the	the	DET
bae-3263	113	9	reported	report	VERB
bae-3263	113	10	global	global	ADJ
bae-3263	113	11	average	average	NOUN
bae-3263	113	12	was	be	AUX
bae-3263	113	13	aggregated	aggregate	VERB
bae-3263	113	14	for	for	ADP
bae-3263	113	15	all	all	DET
bae-3263	113	16	countries	country	NOUN
bae-3263	113	17	irrespective	irrespective	ADV
bae-3263	113	18	of	of	ADP
bae-3263	113	19	the	the	DET
bae-3263	113	20	degree	degree	NOUN
bae-3263	113	21	of	of	ADP
bae-3263	113	22	development	development	NOUN
bae-3263	113	23	of	of	ADP
bae-3263	113	24	their	their	PRON
bae-3263	113	25	microfinance	microfinance	NOUN
bae-3263	113	26	sub	sub	NOUN
bae-3263	113	27	-	-	NOUN
bae-3263	113	28	sector	sector	NOUN
bae-3263	113	29	and	and	CCONJ
bae-3263	113	30	hence	hence	ADV
bae-3263	113	31	it	it	PRON
bae-3263	113	32	might	might	AUX
bae-3263	113	33	show	show	VERB
bae-3263	113	34	huge	huge	ADJ
bae-3263	113	35	variance	variance	NOUN
bae-3263	113	36	with	with	ADP
bae-3263	113	37	the	the	DET
bae-3263	113	38	ratios	ratio	NOUN
bae-3263	113	39	obtained	obtain	VERB
bae-3263	113	40	from	from	ADP
bae-3263	113	41	the	the	DET
bae-3263	113	42	nigerian	nigerian	ADJ
bae-3263	113	43	microfinance	microfinance	NOUN
bae-3263	113	44	sub	sub	NOUN
bae-3263	113	45	-	-	NOUN
bae-3263	113	46	sector	sector	NOUN
bae-3263	113	47	that	that	PRON
bae-3263	113	48	is	be	AUX
bae-3263	113	49	still	still	ADV
bae-3263	113	50	at	at	ADP
bae-3263	113	51	the	the	DET
bae-3263	113	52	infancy	infancy	NOUN
bae-3263	113	53	stage	stage	NOUN
bae-3263	113	54	.	.	PUNCT
bae-3263	114	1	3.1.1	3.1.1	NUM
bae-3263	114	2	portfolio	portfolio	NOUN
bae-3263	114	3	at	at	ADP
bae-3263	114	4	risk	risk	NOUN
bae-3263	114	5	(	(	PUNCT
bae-3263	114	6	par	par	NOUN
bae-3263	114	7	)	)	PUNCT
bae-3263	114	8	this	this	PRON
bae-3263	114	9	is	be	AUX
bae-3263	114	10	the	the	DET
bae-3263	114	11	outstanding	outstanding	ADJ
bae-3263	114	12	principal	principal	ADJ
bae-3263	114	13	amount	amount	NOUN
bae-3263	114	14	of	of	ADP
bae-3263	114	15	all	all	DET
bae-3263	114	16	loans	loan	NOUN
bae-3263	114	17	that	that	PRON
bae-3263	114	18	have	have	VERB
bae-3263	114	19	at	at	ADV
bae-3263	114	20	least	least	ADV
bae-3263	114	21	one	one	NUM
bae-3263	114	22	installment	installment	NOUN
bae-3263	114	23	past	past	ADJ
bae-3263	114	24	due	due	ADJ
bae-3263	114	25	for	for	ADP
bae-3263	114	26	one	one	NUM
bae-3263	114	27	or	or	CCONJ
bae-3263	114	28	more	more	ADJ
bae-3263	114	29	days	day	NOUN
bae-3263	114	30	.	.	PUNCT
bae-3263	115	1	the	the	DET
bae-3263	115	2	amount	amount	NOUN
bae-3263	115	3	includes	include	VERB
bae-3263	115	4	the	the	DET
bae-3263	115	5	unpaid	unpaid	ADJ
bae-3263	115	6	principal	principal	NOUN
bae-3263	115	7	but	but	CCONJ
bae-3263	115	8	excludes	exclude	VERB
bae-3263	115	9	the	the	DET
bae-3263	115	10	accrued	accrue	VERB
bae-3263	115	11	interest	interest	NOUN
bae-3263	115	12	.	.	PUNCT
bae-3263	116	1	it	it	PRON
bae-3263	116	2	measures	measure	VERB
bae-3263	116	3	the	the	DET
bae-3263	116	4	potential	potential	NOUN
bae-3263	116	5	for	for	ADP
bae-3263	116	6	future	future	ADJ
bae-3263	116	7	losses	loss	NOUN
bae-3263	116	8	based	base	VERB
bae-3263	116	9	on	on	ADP
bae-3263	116	10	the	the	DET
bae-3263	116	11	current	current	ADJ
bae-3263	116	12	performance	performance	NOUN
bae-3263	116	13	of	of	ADP
bae-3263	116	14	the	the	DET
bae-3263	116	15	portfolio	portfolio	NOUN
bae-3263	116	16	.	.	PUNCT
bae-3263	117	1	however	however	ADV
bae-3263	117	2	,	,	PUNCT
bae-3263	117	3	the	the	DET
bae-3263	117	4	average	average	ADJ
bae-3263	117	5	annual	annual	ADJ
bae-3263	117	6	par	par	NOUN
bae-3263	117	7	of	of	ADP
bae-3263	117	8	the	the	DET
bae-3263	117	9	sampled	sample	VERB
bae-3263	117	10	mfbs	mfbs	NOUN
bae-3263	117	11	was	be	AUX
bae-3263	117	12	17	17	NUM
bae-3263	117	13	%	%	NOUN
bae-3263	117	14	,	,	PUNCT
bae-3263	117	15	18	18	NUM
bae-3263	117	16	%	%	NOUN
bae-3263	117	17	,	,	PUNCT
bae-3263	117	18	17	17	NUM
bae-3263	117	19	%	%	NOUN
bae-3263	117	20	,	,	PUNCT
bae-3263	117	21	18	18	NUM
bae-3263	117	22	%	%	NOUN
bae-3263	117	23	and	and	CCONJ
bae-3263	117	24	17	17	NUM
bae-3263	117	25	%	%	NOUN
bae-3263	117	26	for	for	ADP
bae-3263	117	27	2006	2006	NUM
bae-3263	117	28	to	to	ADP
bae-3263	117	29	2010	2010	NUM
bae-3263	117	30	respectively	respectively	ADV
bae-3263	117	31	.	.	PUNCT
bae-3263	118	1	only	only	ADV
bae-3263	118	2	16	16	NUM
bae-3263	118	3	%	%	NOUN
bae-3263	118	4	of	of	ADP
bae-3263	118	5	the	the	DET
bae-3263	118	6	sampled	sample	VERB
bae-3263	118	7	mfbs	mfbs	NOUN
bae-3263	118	8	met	meet	VERB
bae-3263	118	9	the	the	DET
bae-3263	118	10	recommended	recommend	VERB
bae-3263	118	11	maximum	maximum	ADJ
bae-3263	118	12	par	par	NOUN
bae-3263	118	13	value	value	NOUN
bae-3263	118	14	of	of	ADP
bae-3263	118	15	5	5	NUM
bae-3263	118	16	%	%	NOUN
bae-3263	118	17	in	in	ADP
bae-3263	118	18	2006	2006	NUM
bae-3263	118	19	.	.	PUNCT
bae-3263	119	1	the	the	DET
bae-3263	119	2	value	value	NOUN
bae-3263	119	3	dropped	drop	VERB
bae-3263	119	4	to	to	ADP
bae-3263	119	5	14	14	NUM
bae-3263	119	6	%	%	NOUN
bae-3263	119	7	in	in	ADP
bae-3263	119	8	2007	2007	NUM
bae-3263	119	9	,	,	PUNCT
bae-3263	119	10	further	far	ADV
bae-3263	119	11	declined	decline	VERB
bae-3263	119	12	to	to	ADP
bae-3263	119	13	8	8	NUM
bae-3263	119	14	%	%	NOUN
bae-3263	119	15	in	in	ADP
bae-3263	119	16	2008	2008	NUM
bae-3263	119	17	,	,	PUNCT
bae-3263	119	18	slumped	slump	VERB
bae-3263	119	19	to	to	ADP
bae-3263	119	20	6	6	NUM
bae-3263	119	21	%	%	NOUN
bae-3263	119	22	in	in	ADP
bae-3263	119	23	2009	2009	NUM
bae-3263	119	24	and	and	CCONJ
bae-3263	119	25	increased	increase	VERB
bae-3263	119	26	marginally	marginally	ADV
bae-3263	119	27	to	to	ADP
bae-3263	119	28	7	7	NUM
bae-3263	119	29	%	%	NOUN
bae-3263	119	30	in	in	ADP
bae-3263	119	31	2010	2010	NUM
bae-3263	119	32	.	.	PUNCT
bae-3263	120	1	the	the	DET
bae-3263	120	2	high	high	ADJ
bae-3263	120	3	par	par	NOUN
bae-3263	120	4	value	value	NOUN
bae-3263	120	5	recorded	record	VERB
bae-3263	120	6	by	by	ADP
bae-3263	120	7	the	the	DET
bae-3263	120	8	mfbs	mfbs	NOUN
bae-3263	120	9	might	might	AUX
bae-3263	120	10	be	be	AUX
bae-3263	120	11	due	due	ADJ
bae-3263	120	12	to	to	ADP
bae-3263	120	13	inadequate	inadequate	ADJ
bae-3263	120	14	loan	loan	NOUN
bae-3263	120	15	tracking	tracking	NOUN
bae-3263	120	16	mechanism	mechanism	NOUN
bae-3263	120	17	,	,	PUNCT
bae-3263	120	18	weak	weak	ADJ
bae-3263	120	19	loan	loan	NOUN
bae-3263	120	20	recovery	recovery	NOUN
bae-3263	120	21	practices	practice	NOUN
bae-3263	120	22	and	and	CCONJ
bae-3263	120	23	the	the	DET
bae-3263	120	24	lack	lack	NOUN
bae-3263	120	25	of	of	ADP
bae-3263	120	26	institutional	institutional	ADJ
bae-3263	120	27	support	support	NOUN
bae-3263	120	28	to	to	PART
bae-3263	120	29	enforce	enforce	VERB
bae-3263	120	30	loan	loan	NOUN
bae-3263	120	31	repayment	repayment	NOUN
bae-3263	120	32	.	.	PUNCT
bae-3263	121	1	3.1.2	3.1.2	NUM
bae-3263	121	2	portfolio	portfolio	NOUN
bae-3263	121	3	to	to	ADP
bae-3263	121	4	assets	asset	NOUN
bae-3263	121	5	this	this	DET
bae-3263	121	6	ratio	ratio	NOUN
bae-3263	121	7	measures	measure	NOUN
bae-3263	121	8	how	how	SCONJ
bae-3263	121	9	much	much	ADJ
bae-3263	121	10	of	of	ADP
bae-3263	121	11	the	the	DET
bae-3263	121	12	asset	asset	NOUN
bae-3263	121	13	base	base	NOUN
bae-3263	121	14	of	of	ADP
bae-3263	121	15	the	the	DET
bae-3263	121	16	mfbs	mfbs	NOUN
bae-3263	121	17	that	that	PRON
bae-3263	121	18	are	be	AUX
bae-3263	121	19	invested	invest	VERB
bae-3263	121	20	in	in	ADP
bae-3263	121	21	high	high	ADJ
bae-3263	121	22	performing	performing	NOUN
bae-3263	121	23	loan	loan	NOUN
bae-3263	121	24	portfolio	portfolio	NOUN
bae-3263	121	25	.	.	PUNCT
bae-3263	122	1	the	the	DET
bae-3263	122	2	average	average	ADJ
bae-3263	122	3	annual	annual	ADJ
bae-3263	122	4	portfolio	portfolio	NOUN
bae-3263	122	5	to	to	ADP
bae-3263	122	6	asset	asset	NOUN
bae-3263	122	7	ratio	ratio	NOUN
bae-3263	122	8	of	of	ADP
bae-3263	122	9	the	the	DET
bae-3263	122	10	sampled	sample	VERB
bae-3263	122	11	mfbs	mfbs	NOUN
bae-3263	122	12	were	be	AUX
bae-3263	122	13	57	57	NUM
bae-3263	122	14	%	%	NOUN
bae-3263	122	15	,	,	PUNCT
bae-3263	122	16	55	55	NUM
bae-3263	122	17	%	%	NOUN
bae-3263	122	18	,	,	PUNCT
bae-3263	122	19	58	58	NUM
bae-3263	122	20	%	%	NOUN
bae-3263	122	21	,	,	PUNCT
bae-3263	122	22	66	66	NUM
bae-3263	122	23	%	%	NOUN
bae-3263	122	24	and	and	CCONJ
bae-3263	122	25	69	69	NUM
bae-3263	122	26	%	%	NOUN
bae-3263	122	27	for	for	ADP
bae-3263	122	28	2006	2006	NUM
bae-3263	122	29	,	,	PUNCT
bae-3263	122	30	2007	2007	NUM
bae-3263	122	31	,	,	PUNCT
bae-3263	122	32	2008	2008	NUM
bae-3263	122	33	,	,	PUNCT
bae-3263	122	34	2009	2009	NUM
bae-3263	122	35	and	and	CCONJ
bae-3263	122	36	2010	2010	NUM
bae-3263	122	37	respectively	respectively	ADV
bae-3263	122	38	.	.	PUNCT
bae-3263	123	1	the	the	DET
bae-3263	123	2	study	study	NOUN
bae-3263	123	3	also	also	ADV
bae-3263	123	4	revealed	reveal	VERB
bae-3263	123	5	that	that	SCONJ
bae-3263	123	6	34	34	NUM
bae-3263	123	7	%	%	NOUN
bae-3263	123	8	of	of	ADP
bae-3263	123	9	the	the	DET
bae-3263	123	10	sampled	sample	VERB
bae-3263	123	11	mfbs	mfbs	NOUN
bae-3263	123	12	had	have	VERB
bae-3263	123	13	a	a	DET
bae-3263	123	14	portfolio	portfolio	NOUN
bae-3263	123	15	to	to	ADP
bae-3263	123	16	asset	asset	NOUN
bae-3263	123	17	ratio	ratio	NOUN
bae-3263	123	18	of	of	ADP
bae-3263	123	19	below	below	ADP
bae-3263	123	20	40	40	NUM
bae-3263	123	21	%	%	NOUN
bae-3263	123	22	in	in	ADP
bae-3263	123	23	2006	2006	NUM
bae-3263	123	24	,	,	PUNCT
bae-3263	123	25	the	the	DET
bae-3263	123	26	percentage	percentage	NOUN
bae-3263	123	27	of	of	ADP
bae-3263	123	28	mfbs	mfbs	NOUN
bae-3263	123	29	rose	rise	VERB
bae-3263	123	30	to	to	ADP
bae-3263	123	31	37	37	NUM
bae-3263	123	32	%	%	NOUN
bae-3263	123	33	in	in	ADP
bae-3263	123	34	2007	2007	NUM
bae-3263	123	35	,	,	PUNCT
bae-3263	123	36	slumped	slump	VERB
bae-3263	123	37	to	to	ADP
bae-3263	123	38	23	23	NUM
bae-3263	123	39	%	%	NOUN
bae-3263	123	40	in	in	ADP
bae-3263	123	41	2008	2008	NUM
bae-3263	123	42	,	,	PUNCT
bae-3263	123	43	278	278	NUM
bae-3263	123	44	m.a	m.a	PROPN
bae-3263	123	45	.	.	PROPN
bae-3263	123	46	olasupo	olasupo	PROPN
bae-3263	123	47	,	,	PUNCT
bae-3263	123	48	c.a	c.a	PROPN
bae-3263	123	49	.	.	PROPN
bae-3263	123	50	afolami	afolami	PROPN
bae-3263	123	51	,	,	PUNCT
bae-3263	123	52	a.m.	a.m.	PROPN
bae-3263	123	53	shittu	shittu	PROPN
bae-3263	123	54	,	,	PUNCT
bae-3263	123	55	a.a.a	a.a.a	PROPN
bae-3263	123	56	.	.	PUNCT
bae-3263	123	57	agboola	agboola	PROPN
bae-3263	123	58	rose	rise	VERB
bae-3263	123	59	marginally	marginally	ADV
bae-3263	123	60	to	to	ADP
bae-3263	123	61	26	26	NUM
bae-3263	123	62	%	%	NOUN
bae-3263	123	63	in	in	ADP
bae-3263	123	64	2009	2009	NUM
bae-3263	123	65	and	and	CCONJ
bae-3263	123	66	crashed	crash	VERB
bae-3263	123	67	to	to	ADP
bae-3263	123	68	22	22	NUM
bae-3263	123	69	%	%	NOUN
bae-3263	123	70	in	in	ADP
bae-3263	123	71	2010	2010	NUM
bae-3263	123	72	.	.	PUNCT
bae-3263	124	1	the	the	DET
bae-3263	124	2	nigeria	nigeria	PROPN
bae-3263	124	3	microfinance	microfinance	PROPN
bae-3263	124	4	sub	sub	NOUN
bae-3263	124	5	-	-	NOUN
bae-3263	124	6	sector	sector	NOUN
bae-3263	124	7	is	be	AUX
bae-3263	124	8	still	still	ADV
bae-3263	124	9	assumed	assume	VERB
bae-3263	124	10	to	to	PART
bae-3263	124	11	be	be	AUX
bae-3263	124	12	at	at	ADP
bae-3263	124	13	its	its	PRON
bae-3263	124	14	infancy	infancy	NOUN
bae-3263	124	15	stage	stage	NOUN
bae-3263	124	16	and	and	CCONJ
bae-3263	124	17	following	follow	VERB
bae-3263	124	18	the	the	DET
bae-3263	124	19	learning	learn	VERB
bae-3263	124	20	curve	curve	NOUN
bae-3263	124	21	principle	principle	NOUN
bae-3263	124	22	of	of	ADP
bae-3263	124	23	perfection	perfection	NOUN
bae-3263	124	24	through	through	ADP
bae-3263	124	25	repeated	repeat	VERB
bae-3263	124	26	trials	trial	NOUN
bae-3263	124	27	,	,	PUNCT
bae-3263	124	28	more	more	ADJ
bae-3263	124	29	mfbs	mfbs	NOUN
bae-3263	124	30	are	be	AUX
bae-3263	124	31	expected	expect	VERB
bae-3263	124	32	to	to	PART
bae-3263	124	33	have	have	VERB
bae-3263	124	34	higher	high	ADJ
bae-3263	124	35	portfolio	portfolio	NOUN
bae-3263	124	36	to	to	ADP
bae-3263	124	37	asset	asset	NOUN
bae-3263	124	38	ratio	ratio	NOUN
bae-3263	124	39	with	with	ADP
bae-3263	124	40	time	time	NOUN
bae-3263	124	41	.	.	PUNCT
bae-3263	125	1	3.1.3	3.1.3	NUM
bae-3263	125	2	debt	debt	NOUN
bae-3263	125	3	to	to	ADP
bae-3263	125	4	equity	equity	NOUN
bae-3263	125	5	ratio	ratio	NOUN
bae-3263	125	6	(	(	PUNCT
bae-3263	125	7	leverage	leverage	NOUN
bae-3263	125	8	)	)	PUNCT
bae-3263	125	9	leverage	leverage	NOUN
bae-3263	125	10	reflects	reflect	VERB
bae-3263	125	11	the	the	DET
bae-3263	125	12	mfbs	mfbs	NOUN
bae-3263	125	13	capital	capital	NOUN
bae-3263	125	14	strength	strength	NOUN
bae-3263	125	15	at	at	ADP
bae-3263	125	16	a	a	DET
bae-3263	125	17	point	point	NOUN
bae-3263	125	18	in	in	ADP
bae-3263	125	19	time	time	NOUN
bae-3263	125	20	.	.	PUNCT
bae-3263	126	1	it	it	PRON
bae-3263	126	2	depicts	depict	VERB
bae-3263	126	3	the	the	DET
bae-3263	126	4	portion	portion	NOUN
bae-3263	126	5	of	of	ADP
bae-3263	126	6	equity	equity	NOUN
bae-3263	126	7	and	and	CCONJ
bae-3263	126	8	debt	debt	NOUN
bae-3263	126	9	that	that	PRON
bae-3263	126	10	the	the	DET
bae-3263	126	11	mfb	mfb	NOUN
bae-3263	126	12	uses	use	VERB
bae-3263	126	13	to	to	PART
bae-3263	126	14	finance	finance	VERB
bae-3263	126	15	its	its	PRON
bae-3263	126	16	assets	asset	NOUN
bae-3263	126	17	.	.	PUNCT
bae-3263	127	1	increased	increase	VERB
bae-3263	127	2	debt	debt	NOUN
bae-3263	127	3	becomes	become	VERB
bae-3263	127	4	meaningful	meaningful	ADJ
bae-3263	127	5	only	only	ADV
bae-3263	127	6	if	if	SCONJ
bae-3263	127	7	the	the	DET
bae-3263	127	8	resultant	resultant	NOUN
bae-3263	127	9	increase	increase	NOUN
bae-3263	127	10	in	in	ADP
bae-3263	127	11	earnings	earning	NOUN
bae-3263	127	12	outweighs	outweigh	VERB
bae-3263	127	13	the	the	DET
bae-3263	127	14	cost	cost	NOUN
bae-3263	127	15	of	of	ADP
bae-3263	127	16	financing	finance	VERB
bae-3263	127	17	the	the	DET
bae-3263	127	18	debt	debt	NOUN
bae-3263	127	19	.	.	PUNCT
bae-3263	128	1	the	the	DET
bae-3263	128	2	study	study	NOUN
bae-3263	128	3	revealed	reveal	VERB
bae-3263	128	4	that	that	SCONJ
bae-3263	128	5	the	the	DET
bae-3263	128	6	annual	annual	ADJ
bae-3263	128	7	average	average	ADJ
bae-3263	128	8	debt	debt	NOUN
bae-3263	128	9	/	/	SYM
bae-3263	128	10	equity	equity	NOUN
bae-3263	128	11	ratios	ratio	NOUN
bae-3263	128	12	of	of	ADP
bae-3263	128	13	the	the	DET
bae-3263	128	14	sampled	sample	VERB
bae-3263	128	15	mfbs	mfbs	NOUN
bae-3263	128	16	were	be	AUX
bae-3263	128	17	2.65	2.65	NUM
bae-3263	128	18	in	in	ADP
bae-3263	128	19	2006	2006	NUM
bae-3263	128	20	,	,	PUNCT
bae-3263	128	21	2.21	2.21	NUM
bae-3263	128	22	in	in	ADP
bae-3263	128	23	2007	2007	NUM
bae-3263	128	24	,	,	PUNCT
bae-3263	128	25	2.20	2.20	NUM
bae-3263	128	26	in	in	ADP
bae-3263	128	27	2008	2008	NUM
bae-3263	128	28	,	,	PUNCT
bae-3263	128	29	2.15	2.15	NUM
bae-3263	128	30	in	in	ADP
bae-3263	128	31	2009	2009	NUM
bae-3263	128	32	and	and	CCONJ
bae-3263	128	33	2.15	2.15	NUM
bae-3263	128	34	in	in	ADP
bae-3263	128	35	2010	2010	NUM
bae-3263	128	36	.	.	PUNCT
bae-3263	129	1	the	the	DET
bae-3263	129	2	study	study	NOUN
bae-3263	129	3	also	also	ADV
bae-3263	129	4	showed	show	VERB
bae-3263	129	5	that	that	SCONJ
bae-3263	129	6	only	only	ADV
bae-3263	129	7	31	31	NUM
bae-3263	129	8	%	%	NOUN
bae-3263	129	9	of	of	ADP
bae-3263	129	10	the	the	DET
bae-3263	129	11	sampled	sample	VERB
bae-3263	129	12	mfbs	mfbs	NOUN
bae-3263	129	13	reported	report	VERB
bae-3263	129	14	a	a	DET
bae-3263	129	15	debt	debt	NOUN
bae-3263	129	16	/	/	SYM
bae-3263	129	17	equity	equity	NOUN
bae-3263	129	18	ratio	ratio	NOUN
bae-3263	129	19	of	of	ADP
bae-3263	129	20	above	above	ADP
bae-3263	129	21	2	2	NUM
bae-3263	129	22	in	in	ADP
bae-3263	129	23	2006	2006	NUM
bae-3263	129	24	.	.	PUNCT
bae-3263	130	1	the	the	DET
bae-3263	130	2	percentage	percentage	NOUN
bae-3263	130	3	of	of	ADP
bae-3263	130	4	mfbs	mfbs	NOUN
bae-3263	130	5	declined	decline	VERB
bae-3263	130	6	to	to	ADP
bae-3263	130	7	26	26	NUM
bae-3263	130	8	%	%	NOUN
bae-3263	130	9	in	in	ADP
bae-3263	130	10	2007	2007	NUM
bae-3263	130	11	,	,	PUNCT
bae-3263	130	12	rose	rise	VERB
bae-3263	130	13	to	to	ADP
bae-3263	130	14	29	29	NUM
bae-3263	130	15	%	%	NOUN
bae-3263	130	16	in	in	ADP
bae-3263	130	17	2008	2008	NUM
bae-3263	130	18	,	,	PUNCT
bae-3263	130	19	30	30	NUM
bae-3263	130	20	%	%	NOUN
bae-3263	130	21	in	in	ADP
bae-3263	130	22	2009	2009	NUM
bae-3263	130	23	and	and	CCONJ
bae-3263	130	24	33	33	NUM
bae-3263	130	25	%	%	NOUN
bae-3263	130	26	in	in	ADP
bae-3263	130	27	2010.the	2010.the	DET
bae-3263	130	28	increasing	increase	VERB
bae-3263	130	29	trend	trend	NOUN
bae-3263	130	30	from	from	ADP
bae-3263	130	31	2008	2008	NUM
bae-3263	130	32	showed	show	VERB
bae-3263	130	33	a	a	DET
bae-3263	130	34	better	well	ADJ
bae-3263	130	35	efficient	efficient	ADJ
bae-3263	130	36	matching	matching	NOUN
bae-3263	130	37	of	of	ADP
bae-3263	130	38	debts	debt	NOUN
bae-3263	130	39	and	and	CCONJ
bae-3263	130	40	equity	equity	NOUN
bae-3263	130	41	by	by	ADP
bae-3263	130	42	the	the	DET
bae-3263	130	43	mfbs	mfbs	NOUN
bae-3263	130	44	and	and	CCONJ
bae-3263	130	45	hence	hence	ADV
bae-3263	130	46	depicted	depict	VERB
bae-3263	130	47	a	a	DET
bae-3263	130	48	more	more	ADV
bae-3263	130	49	efficient	efficient	ADJ
bae-3263	130	50	financial	financial	ADJ
bae-3263	130	51	management	management	NOUN
bae-3263	130	52	system	system	NOUN
bae-3263	130	53	.	.	PUNCT
bae-3263	131	1	3.1.4	3.1.4	NUM
bae-3263	131	2	cost	cost	NOUN
bae-3263	131	3	per	per	ADP
bae-3263	131	4	client	client	NOUN
bae-3263	131	5	this	this	DET
bae-3263	131	6	ratio	ratio	NOUN
bae-3263	131	7	measures	measure	VERB
bae-3263	131	8	the	the	DET
bae-3263	131	9	quantum	quantum	NOUN
bae-3263	131	10	of	of	ADP
bae-3263	131	11	the	the	DET
bae-3263	131	12	mfbs	mfbs	NOUN
bae-3263	131	13	operating	operating	NOUN
bae-3263	131	14	expenses	expense	NOUN
bae-3263	131	15	(	(	PUNCT
bae-3263	131	16	excluding	exclude	VERB
bae-3263	131	17	the	the	DET
bae-3263	131	18	cost	cost	NOUN
bae-3263	131	19	of	of	ADP
bae-3263	131	20	funds	fund	NOUN
bae-3263	131	21	or	or	CCONJ
bae-3263	131	22	provisions	provision	NOUN
bae-3263	131	23	for	for	ADP
bae-3263	131	24	bad	bad	ADJ
bae-3263	131	25	loans	loan	NOUN
bae-3263	131	26	)	)	PUNCT
bae-3263	131	27	that	that	PRON
bae-3263	131	28	is	be	AUX
bae-3263	131	29	required	require	VERB
bae-3263	131	30	to	to	PART
bae-3263	131	31	serve	serve	VERB
bae-3263	131	32	a	a	DET
bae-3263	131	33	client	client	NOUN
bae-3263	131	34	.	.	PUNCT
bae-3263	132	1	it	it	PRON
bae-3263	132	2	connotes	connote	VERB
bae-3263	132	3	the	the	DET
bae-3263	132	4	expensive	expensive	ADJ
bae-3263	132	5	nature	nature	NOUN
bae-3263	132	6	of	of	ADP
bae-3263	132	7	the	the	DET
bae-3263	132	8	operations	operation	NOUN
bae-3263	132	9	of	of	ADP
bae-3263	132	10	the	the	DET
bae-3263	132	11	mfbs	mfbs	NOUN
bae-3263	132	12	.	.	PUNCT
bae-3263	133	1	the	the	DET
bae-3263	133	2	study	study	NOUN
bae-3263	133	3	showed	show	VERB
bae-3263	133	4	that	that	SCONJ
bae-3263	133	5	the	the	DET
bae-3263	133	6	sampled	sample	VERB
bae-3263	133	7	mfbs	mfbs	NOUN
bae-3263	133	8	incurred	incur	VERB
bae-3263	133	9	an	an	DET
bae-3263	133	10	average	average	NOUN
bae-3263	133	11	of	of	ADP
bae-3263	133	12	n4,214.17	n4,214.17	NOUN
bae-3263	133	13	(	(	PUNCT
bae-3263	133	14	$	$	SYM
bae-3263	133	15	26.36	26.36	NUM
bae-3263	133	16	)	)	PUNCT
bae-3263	133	17	per	per	ADP
bae-3263	133	18	client	client	NOUN
bae-3263	133	19	in	in	ADP
bae-3263	133	20	2006	2006	NUM
bae-3263	133	21	,	,	PUNCT
bae-3263	133	22	n4,350.00	n4,350.00	PROPN
bae-3263	133	23	(	(	PUNCT
bae-3263	133	24	$	$	SYM
bae-3263	133	25	27.19	27.19	NUM
bae-3263	133	26	)	)	PUNCT
bae-3263	133	27	in	in	ADP
bae-3263	133	28	2007	2007	NUM
bae-3263	133	29	,	,	PUNCT
bae-3263	133	30	n4,863.95	n4,863.95	NOUN
bae-3263	133	31	(	(	PUNCT
bae-3263	133	32	$	$	SYM
bae-3263	133	33	30.40	30.40	NUM
bae-3263	133	34	)	)	PUNCT
bae-3263	133	35	in	in	ADP
bae-3263	133	36	2008	2008	NUM
bae-3263	133	37	,	,	PUNCT
bae-3263	133	38	n4,560.07	n4,560.07	PROPN
bae-3263	133	39	(	(	PUNCT
bae-3263	133	40	$	$	SYM
bae-3263	133	41	28.50	28.50	NUM
bae-3263	133	42	)	)	PUNCT
bae-3263	133	43	in	in	ADP
bae-3263	133	44	2009	2009	NUM
bae-3263	133	45	and	and	CCONJ
bae-3263	133	46	n4,283.84($26.77	n4,283.84($26.77	ADJ
bae-3263	133	47	)	)	PUNCT
bae-3263	133	48	in	in	ADP
bae-3263	133	49	2010	2010	NUM
bae-3263	133	50	.	.	PUNCT
bae-3263	134	1	this	this	DET
bae-3263	134	2	average	average	ADJ
bae-3263	134	3	cost	cost	NOUN
bae-3263	134	4	per	per	ADP
bae-3263	134	5	client	client	NOUN
bae-3263	134	6	is	be	AUX
bae-3263	134	7	considered	consider	VERB
bae-3263	134	8	quite	quite	ADV
bae-3263	134	9	high	high	ADJ
bae-3263	134	10	as	as	SCONJ
bae-3263	134	11	a	a	DET
bae-3263	134	12	significant	significant	ADJ
bae-3263	134	13	number	number	NOUN
bae-3263	134	14	of	of	ADP
bae-3263	134	15	the	the	DET
bae-3263	134	16	clients	client	NOUN
bae-3263	134	17	falls	fall	VERB
bae-3263	134	18	within	within	ADP
bae-3263	134	19	the	the	DET
bae-3263	134	20	borrowers	borrower	NOUN
bae-3263	134	21	’	’	PART
bae-3263	134	22	range	range	NOUN
bae-3263	134	23	of	of	ADP
bae-3263	134	24	n5,000.00	n5,000.00	PROPN
bae-3263	134	25	to	to	ADP
bae-3263	134	26	n50,000.00	n50,000.00	PROPN
bae-3263	134	27	(	(	PUNCT
bae-3263	134	28	$	$	SYM
bae-3263	134	29	31.25	31.25	NUM
bae-3263	134	30	to	to	ADP
bae-3263	134	31	$	$	SYM
bae-3263	134	32	310.25	310.25	NUM
bae-3263	134	33	)	)	PUNCT
bae-3263	134	34	.	.	PUNCT
bae-3263	135	1	this	this	DET
bae-3263	135	2	high	high	ADJ
bae-3263	135	3	cost	cost	NOUN
bae-3263	135	4	per	per	ADP
bae-3263	135	5	client	client	NOUN
bae-3263	135	6	ratio	ratio	NOUN
bae-3263	135	7	could	could	AUX
bae-3263	135	8	adversely	adversely	ADV
bae-3263	135	9	affect	affect	VERB
bae-3263	135	10	the	the	DET
bae-3263	135	11	mfbs	mfbs	NOUN
bae-3263	135	12	efficiency	efficiency	NOUN
bae-3263	135	13	and	and	CCONJ
bae-3263	135	14	productivity	productivity	NOUN
bae-3263	135	15	.	.	PUNCT
bae-3263	136	1	3.1.5	3.1.5	NUM
bae-3263	136	2	borrowers	borrower	NOUN
bae-3263	136	3	per	per	ADP
bae-3263	136	4	loan	loan	NOUN
bae-3263	136	5	officer	officer	NOUN
bae-3263	136	6	it	it	PRON
bae-3263	136	7	depicts	depict	VERB
bae-3263	136	8	the	the	DET
bae-3263	136	9	productivity	productivity	NOUN
bae-3263	136	10	of	of	ADP
bae-3263	136	11	loan	loan	NOUN
bae-3263	136	12	officers	officer	NOUN
bae-3263	136	13	in	in	ADP
bae-3263	136	14	serving	serve	VERB
bae-3263	136	15	the	the	DET
bae-3263	136	16	client	client	NOUN
bae-3263	136	17	caseload	caseload	NOUN
bae-3263	136	18	.	.	PUNCT
bae-3263	137	1	the	the	DET
bae-3263	137	2	ratio	ratio	NOUN
bae-3263	137	3	is	be	AUX
bae-3263	137	4	not	not	PART
bae-3263	137	5	expected	expect	VERB
bae-3263	137	6	to	to	PART
bae-3263	137	7	be	be	AUX
bae-3263	137	8	too	too	ADV
bae-3263	137	9	high	high	ADJ
bae-3263	137	10	as	as	SCONJ
bae-3263	137	11	it	it	PRON
bae-3263	137	12	might	might	AUX
bae-3263	137	13	lead	lead	VERB
bae-3263	137	14	to	to	ADP
bae-3263	137	15	client	client	NOUN
bae-3263	137	16	overload	overload	NOUN
bae-3263	137	17	for	for	ADP
bae-3263	137	18	each	each	DET
bae-3263	137	19	loan	loan	NOUN
bae-3263	137	20	officer	officer	NOUN
bae-3263	137	21	,	,	PUNCT
bae-3263	137	22	resulting	result	VERB
bae-3263	137	23	in	in	ADP
bae-3263	137	24	poor	poor	ADJ
bae-3263	137	25	customer	customer	NOUN
bae-3263	137	26	satisfaction	satisfaction	NOUN
bae-3263	137	27	,	,	PUNCT
bae-3263	137	28	ineffective	ineffective	ADJ
bae-3263	137	29	loan	loan	NOUN
bae-3263	137	30	monitoring	monitoring	NOUN
bae-3263	137	31	and	and	CCONJ
bae-3263	137	32	high	high	ADJ
bae-3263	137	33	default	default	NOUN
bae-3263	137	34	rate	rate	NOUN
bae-3263	137	35	.	.	PUNCT
bae-3263	138	1	the	the	DET
bae-3263	138	2	study	study	NOUN
bae-3263	138	3	showed	show	VERB
bae-3263	138	4	an	an	DET
bae-3263	138	5	annual	annual	ADJ
bae-3263	138	6	borrowers	borrower	NOUN
bae-3263	138	7	/	/	SYM
bae-3263	138	8	loan	loan	NOUN
bae-3263	138	9	officer	officer	NOUN
bae-3263	138	10	ratio	ratio	NOUN
bae-3263	138	11	of	of	ADP
bae-3263	138	12	232	232	NUM
bae-3263	138	13	in	in	ADP
bae-3263	138	14	2006	2006	NUM
bae-3263	138	15	,	,	PUNCT
bae-3263	138	16	and	and	CCONJ
bae-3263	138	17	it	it	PRON
bae-3263	138	18	continually	continually	ADV
bae-3263	138	19	rose	rise	VERB
bae-3263	138	20	to	to	ADP
bae-3263	138	21	266	266	NUM
bae-3263	138	22	in	in	ADP
bae-3263	138	23	2007	2007	NUM
bae-3263	138	24	,	,	PUNCT
bae-3263	138	25	269	269	NUM
bae-3263	138	26	in	in	ADP
bae-3263	138	27	2008	2008	NUM
bae-3263	138	28	,	,	PUNCT
bae-3263	138	29	289	289	NUM
bae-3263	138	30	in	in	ADP
bae-3263	138	31	2009	2009	NUM
bae-3263	138	32	and	and	CCONJ
bae-3263	138	33	313	313	NUM
bae-3263	138	34	in	in	ADP
bae-3263	138	35	2010	2010	NUM
bae-3263	138	36	.	.	PUNCT
bae-3263	139	1	3.1.6	3.1.6	NUM
bae-3263	139	2	return	return	VERB
bae-3263	139	3	on	on	ADP
bae-3263	139	4	assets	asset	NOUN
bae-3263	139	5	(	(	PUNCT
bae-3263	139	6	roa	roa	NOUN
bae-3263	139	7	)	)	PUNCT
bae-3263	139	8	roa	roa	PROPN
bae-3263	139	9	depicts	depict	VERB
bae-3263	139	10	the	the	DET
bae-3263	139	11	management	management	NOUN
bae-3263	139	12	of	of	ADP
bae-3263	139	13	the	the	DET
bae-3263	139	14	mfbs	mfbs	NOUN
bae-3263	139	15	assets	asset	NOUN
bae-3263	139	16	to	to	PART
bae-3263	139	17	maximize	maximize	VERB
bae-3263	139	18	profit	profit	NOUN
bae-3263	139	19	.	.	PUNCT
bae-3263	140	1	it	it	PRON
bae-3263	140	2	indicates	indicate	VERB
bae-3263	140	3	the	the	DET
bae-3263	140	4	profitability	profitability	NOUN
bae-3263	140	5	of	of	ADP
bae-3263	140	6	the	the	DET
bae-3263	140	7	mfbs	mfbs	NOUN
bae-3263	140	8	before	before	ADP
bae-3263	140	9	leverage	leverage	NOUN
bae-3263	140	10	.	.	PUNCT
bae-3263	141	1	it	it	PRON
bae-3263	141	2	measures	measure	VERB
bae-3263	141	3	the	the	DET
bae-3263	141	4	amount	amount	NOUN
bae-3263	141	5	of	of	ADP
bae-3263	141	6	profit	profit	NOUN
bae-3263	141	7	the	the	DET
bae-3263	141	8	mfbs	mfbs	NOUN
bae-3263	141	9	make	make	VERB
bae-3263	141	10	per	per	ADP
bae-3263	141	11	naira	naira	NOUN
bae-3263	141	12	of	of	ADP
bae-3263	141	13	its	its	PRON
bae-3263	141	14	assets	asset	NOUN
bae-3263	141	15	.	.	PUNCT
bae-3263	142	1	the	the	DET
bae-3263	142	2	study	study	NOUN
bae-3263	142	3	revealed	reveal	VERB
bae-3263	142	4	an	an	DET
bae-3263	142	5	average	average	ADJ
bae-3263	142	6	roa	roa	NOUN
bae-3263	142	7	value	value	NOUN
bae-3263	142	8	of	of	ADP
bae-3263	142	9	8	8	NUM
bae-3263	142	10	%	%	NOUN
bae-3263	142	11	in	in	ADP
bae-3263	142	12	2006	2006	NUM
bae-3263	142	13	(	(	PUNCT
bae-3263	142	14	i.e	i.e	ADP
bae-3263	142	15	the	the	DET
bae-3263	142	16	mfbs	mfbs	NOUN
bae-3263	142	17	made	make	VERB
bae-3263	142	18	an	an	DET
bae-3263	142	19	average	average	NOUN
bae-3263	142	20	of	of	ADP
bae-3263	142	21	7.81	7.81	NUM
bae-3263	142	22	kobo	kobo	NOUN
bae-3263	142	23	for	for	ADP
bae-3263	142	24	each	each	DET
bae-3263	142	25	naira	naira	ADJ
bae-3263	142	26	worth	worth	NOUN
bae-3263	142	27	of	of	ADP
bae-3263	142	28	asset	asset	NOUN
bae-3263	142	29	.	.	PUNCT
bae-3263	143	1	the	the	DET
bae-3263	143	2	average	average	ADJ
bae-3263	143	3	roa	roa	NOUN
bae-3263	143	4	value	value	NOUN
bae-3263	143	5	was	be	AUX
bae-3263	143	6	7	7	NUM
bae-3263	143	7	%	%	NOUN
bae-3263	143	8	,	,	PUNCT
bae-3263	143	9	7	7	NUM
bae-3263	143	10	%	%	NOUN
bae-3263	143	11	,	,	PUNCT
bae-3263	143	12	8	8	NUM
bae-3263	143	13	%	%	NOUN
bae-3263	143	14	and	and	CCONJ
bae-3263	143	15	9	9	NUM
bae-3263	143	16	%	%	NOUN
bae-3263	143	17	for	for	ADP
bae-3263	143	18	2007	2007	NUM
bae-3263	143	19	to	to	ADP
bae-3263	143	20	2010	2010	NUM
bae-3263	143	21	respectively	respectively	ADV
bae-3263	143	22	.	.	PUNCT
bae-3263	144	1	the	the	DET
bae-3263	144	2	high	high	ADJ
bae-3263	144	3	rate	rate	NOUN
bae-3263	144	4	of	of	ADP
bae-3263	144	5	returns	return	NOUN
bae-3263	144	6	on	on	ADP
bae-3263	144	7	assets	asset	NOUN
bae-3263	144	8	as	as	SCONJ
bae-3263	144	9	compared	compare	VERB
bae-3263	144	10	to	to	ADP
bae-3263	144	11	the	the	DET
bae-3263	144	12	global	global	ADJ
bae-3263	144	13	average	average	NOUN
bae-3263	144	14	could	could	AUX
bae-3263	144	15	be	be	AUX
bae-3263	144	16	adduced	adduce	VERB
bae-3263	144	17	to	to	ADP
bae-3263	144	18	the	the	DET
bae-3263	144	19	high	high	ADJ
bae-3263	144	20	interest	interest	NOUN
bae-3263	144	21	rates	rate	NOUN
bae-3263	144	22	charged	charge	VERB
bae-3263	144	23	by	by	ADP
bae-3263	144	24	the	the	DET
bae-3263	144	25	mfbs	mfbs	NOUN
bae-3263	144	26	.	.	PUNCT
bae-3263	145	1	due	due	ADP
bae-3263	145	2	to	to	ADP
bae-3263	145	3	the	the	DET
bae-3263	145	4	short	short	ADJ
bae-3263	145	5	duration	duration	NOUN
bae-3263	145	6	of	of	ADP
bae-3263	145	7	the	the	DET
bae-3263	145	8	credit	credit	NOUN
bae-3263	145	9	facilities	facility	NOUN
bae-3263	145	10	provided	provide	VERB
bae-3263	145	11	by	by	ADP
bae-3263	145	12	the	the	DET
bae-3263	145	13	mfbs	mfbs	NOUN
bae-3263	145	14	,	,	PUNCT
bae-3263	145	15	most	most	ADJ
bae-3263	145	16	mfbs	mfbs	NOUN
bae-3263	145	17	charge	charge	VERB
bae-3263	145	18	between	between	ADP
bae-3263	145	19	2	2	NUM
bae-3263	145	20	%	%	NOUN
bae-3263	145	21	to	to	PART
bae-3263	145	22	5	5	NUM
bae-3263	145	23	%	%	NOUN
bae-3263	145	24	monthly	monthly	ADV
bae-3263	145	25	on	on	ADP
bae-3263	145	26	their	their	PRON
bae-3263	145	27	credit	credit	NOUN
bae-3263	145	28	facilities	facility	NOUN
bae-3263	145	29	.	.	PUNCT
bae-3263	146	1	however	however	ADV
bae-3263	146	2	,	,	PUNCT
bae-3263	146	3	the	the	DET
bae-3263	146	4	roa	roa	NOUN
bae-3263	146	5	is	be	AUX
bae-3263	146	6	quite	quite	ADV
bae-3263	146	7	small	small	ADJ
bae-3263	146	8	compared	compare	VERB
bae-3263	146	9	to	to	ADP
bae-3263	146	10	the	the	DET
bae-3263	146	11	average	average	ADJ
bae-3263	146	12	cost	cost	NOUN
bae-3263	146	13	of	of	ADP
bae-3263	146	14	capital	capital	NOUN
bae-3263	146	15	that	that	PRON
bae-3263	146	16	ranged	range	VERB
bae-3263	146	17	between	between	ADP
bae-3263	146	18	18	18	NUM
bae-3263	146	19	%	%	NOUN
bae-3263	146	20	and	and	CCONJ
bae-3263	146	21	22	22	NUM
bae-3263	146	22	%	%	NOUN
bae-3263	146	23	over	over	ADP
bae-3263	146	24	the	the	DET
bae-3263	146	25	study	study	NOUN
bae-3263	146	26	period	period	NOUN
bae-3263	146	27	.	.	PUNCT
bae-3263	147	1	279performance	279performance	PROPN
bae-3263	147	2	and	and	CCONJ
bae-3263	147	3	productivity	productivity	NOUN
bae-3263	147	4	changes	change	VERB
bae-3263	147	5	3.1.7	3.1.7	PRON
bae-3263	147	6	return	return	VERB
bae-3263	147	7	on	on	ADP
bae-3263	147	8	equity	equity	NOUN
bae-3263	147	9	(	(	PUNCT
bae-3263	147	10	roe	roe	PROPN
bae-3263	147	11	)	)	PUNCT
bae-3263	147	12	it	it	PRON
bae-3263	147	13	measures	measure	VERB
bae-3263	147	14	the	the	DET
bae-3263	147	15	rate	rate	NOUN
bae-3263	147	16	of	of	ADP
bae-3263	147	17	return	return	NOUN
bae-3263	147	18	on	on	ADP
bae-3263	147	19	the	the	DET
bae-3263	147	20	shareholders	shareholder	NOUN
bae-3263	147	21	’	'	PUNCT
bae-3263	147	22	equity	equity	NOUN
bae-3263	147	23	of	of	ADP
bae-3263	147	24	the	the	DET
bae-3263	147	25	mfbs	mfbs	NOUN
bae-3263	147	26	.	.	PUNCT
bae-3263	148	1	it	it	PRON
bae-3263	148	2	shows	show	VERB
bae-3263	148	3	the	the	DET
bae-3263	148	4	mfbs	mfbs	NOUN
bae-3263	148	5	’	'	PUNCT
bae-3263	148	6	efficiency	efficiency	NOUN
bae-3263	148	7	at	at	ADP
bae-3263	148	8	generating	generate	VERB
bae-3263	148	9	profits	profit	NOUN
bae-3263	148	10	from	from	ADP
bae-3263	148	11	every	every	DET
bae-3263	148	12	unit	unit	NOUN
bae-3263	148	13	of	of	ADP
bae-3263	148	14	shareholders	shareholder	NOUN
bae-3263	148	15	’	'	PUNCT
bae-3263	148	16	fund	fund	NOUN
bae-3263	148	17	.	.	PUNCT
bae-3263	149	1	the	the	DET
bae-3263	149	2	study	study	NOUN
bae-3263	149	3	reported	report	VERB
bae-3263	149	4	annual	annual	ADJ
bae-3263	149	5	average	average	ADJ
bae-3263	149	6	roe	roe	NOUN
bae-3263	149	7	value	value	NOUN
bae-3263	149	8	of	of	ADP
bae-3263	149	9	26	26	NUM
bae-3263	149	10	%	%	NOUN
bae-3263	149	11	in	in	ADP
bae-3263	149	12	2006	2006	NUM
bae-3263	149	13	,	,	PUNCT
bae-3263	149	14	21	21	NUM
bae-3263	149	15	%	%	NOUN
bae-3263	149	16	in	in	ADP
bae-3263	149	17	2007	2007	NUM
bae-3263	149	18	,	,	PUNCT
bae-3263	149	19	19	19	NUM
bae-3263	149	20	%	%	NOUN
bae-3263	149	21	in	in	ADP
bae-3263	149	22	2008	2008	NUM
bae-3263	149	23	,	,	PUNCT
bae-3263	149	24	21	21	NUM
bae-3263	149	25	%	%	NOUN
bae-3263	149	26	in	in	ADP
bae-3263	149	27	2009	2009	NUM
bae-3263	149	28	and	and	CCONJ
bae-3263	149	29	24	24	NUM
bae-3263	149	30	%	%	NOUN
bae-3263	149	31	in	in	ADP
bae-3263	149	32	2010	2010	NUM
bae-3263	149	33	.	.	PUNCT
bae-3263	150	1	the	the	DET
bae-3263	150	2	study	study	NOUN
bae-3263	150	3	further	far	ADV
bae-3263	150	4	revealed	reveal	VERB
bae-3263	150	5	that	that	SCONJ
bae-3263	150	6	60	60	NUM
bae-3263	150	7	%	%	NOUN
bae-3263	150	8	of	of	ADP
bae-3263	150	9	the	the	DET
bae-3263	150	10	sampled	sample	VERB
bae-3263	150	11	mfbs	mfbs	NOUN
bae-3263	150	12	had	have	VERB
bae-3263	150	13	roe	roe	NOUN
bae-3263	150	14	ratio	ratio	NOUN
bae-3263	150	15	of	of	ADP
bae-3263	150	16	above	above	ADP
bae-3263	150	17	15	15	NUM
bae-3263	150	18	%	%	NOUN
bae-3263	150	19	in	in	ADP
bae-3263	150	20	2006	2006	NUM
bae-3263	150	21	,	,	PUNCT
bae-3263	150	22	the	the	DET
bae-3263	150	23	valued	value	VERB
bae-3263	150	24	declined	decline	VERB
bae-3263	150	25	to	to	ADP
bae-3263	150	26	57	57	NUM
bae-3263	150	27	%	%	NOUN
bae-3263	150	28	in	in	ADP
bae-3263	150	29	2007	2007	NUM
bae-3263	150	30	,	,	PUNCT
bae-3263	150	31	56	56	NUM
bae-3263	150	32	%	%	NOUN
bae-3263	150	33	in	in	ADP
bae-3263	150	34	2008	2008	NUM
bae-3263	150	35	and	and	CCONJ
bae-3263	150	36	2009	2009	NUM
bae-3263	150	37	and	and	CCONJ
bae-3263	150	38	rose	rise	VERB
bae-3263	150	39	to	to	ADP
bae-3263	150	40	63	63	NUM
bae-3263	150	41	%	%	NOUN
bae-3263	150	42	in	in	ADP
bae-3263	150	43	2010	2010	NUM
bae-3263	150	44	.	.	PUNCT
bae-3263	151	1	overall	overall	ADV
bae-3263	151	2	,	,	PUNCT
bae-3263	151	3	the	the	DET
bae-3263	151	4	various	various	ADJ
bae-3263	151	5	ratios	ratio	NOUN
bae-3263	151	6	depicted	depict	VERB
bae-3263	151	7	an	an	DET
bae-3263	151	8	evolving	evolve	VERB
bae-3263	151	9	sub	sub	NOUN
bae-3263	151	10	-	-	NOUN
bae-3263	151	11	sector	sector	NOUN
bae-3263	151	12	with	with	ADP
bae-3263	151	13	enormous	enormous	ADJ
bae-3263	151	14	amount	amount	NOUN
bae-3263	151	15	of	of	ADP
bae-3263	151	16	potentials	potential	NOUN
bae-3263	151	17	.	.	PUNCT
bae-3263	152	1	the	the	DET
bae-3263	152	2	revelations	revelation	NOUN
bae-3263	152	3	from	from	ADP
bae-3263	152	4	the	the	DET
bae-3263	152	5	sampled	sample	VERB
bae-3263	152	6	mfbs	mfbs	NOUN
bae-3263	152	7	might	might	AUX
bae-3263	152	8	not	not	PART
bae-3263	152	9	deviate	deviate	VERB
bae-3263	152	10	much	much	ADV
bae-3263	152	11	from	from	ADP
bae-3263	152	12	the	the	DET
bae-3263	152	13	industry	industry	NOUN
bae-3263	152	14	’s	’s	PART
bae-3263	152	15	average	average	NOUN
bae-3263	152	16	and	and	CCONJ
bae-3263	152	17	hence	hence	ADV
bae-3263	152	18	the	the	DET
bae-3263	152	19	regulatory	regulatory	ADJ
bae-3263	152	20	authorities	authority	NOUN
bae-3263	152	21	must	must	AUX
bae-3263	152	22	keep	keep	VERB
bae-3263	152	23	a	a	DET
bae-3263	152	24	tab	tab	NOUN
bae-3263	152	25	on	on	ADP
bae-3263	152	26	the	the	DET
bae-3263	152	27	activities	activity	NOUN
bae-3263	152	28	of	of	ADP
bae-3263	152	29	the	the	DET
bae-3263	152	30	mfbs	mfbs	NOUN
bae-3263	152	31	through	through	ADP
bae-3263	152	32	the	the	DET
bae-3263	152	33	formulation	formulation	NOUN
bae-3263	152	34	of	of	ADP
bae-3263	152	35	policies	policy	NOUN
bae-3263	152	36	that	that	PRON
bae-3263	152	37	will	will	AUX
bae-3263	152	38	create	create	VERB
bae-3263	152	39	conducive	conducive	ADJ
bae-3263	152	40	environment	environment	NOUN
bae-3263	152	41	for	for	ADP
bae-3263	152	42	their	their	PRON
bae-3263	152	43	growth	growth	NOUN
bae-3263	152	44	.	.	PUNCT
bae-3263	153	1	table	table	NOUN
bae-3263	153	2	1	1	NUM
bae-3263	153	3	.	.	PUNCT
bae-3263	153	4	average	average	ADJ
bae-3263	153	5	performance	performance	NOUN
bae-3263	153	6	of	of	ADP
bae-3263	153	7	sampled	sample	VERB
bae-3263	153	8	mfbs	mfbs	NOUN
bae-3263	153	9	(	(	PUNCT
bae-3263	153	10	2006	2006	NUM
bae-3263	153	11	to	to	ADP
bae-3263	153	12	2010	2010	NUM
bae-3263	153	13	)	)	PUNCT
bae-3263	153	14	using	use	VERB
bae-3263	153	15	ratio	ratio	NOUN
bae-3263	153	16	analysis	analysis	NOUN
bae-3263	153	17	.	.	PUNCT
bae-3263	154	1	year	year	NOUN
bae-3263	154	2	2006	2006	NUM
bae-3263	154	3	2007	2007	NUM
bae-3263	154	4	2008	2008	NUM
bae-3263	154	5	2009	2009	NUM
bae-3263	154	6	2010	2010	NUM
bae-3263	154	7	mean	mean	VERB
bae-3263	154	8	global	global	ADJ
bae-3263	154	9	average	average	ADJ
bae-3263	154	10	portfolio	portfolio	NOUN
bae-3263	154	11	at	at	ADP
bae-3263	154	12	risk	risk	NOUN
bae-3263	154	13	>	>	PUNCT
bae-3263	154	14	30	30	NUM
bae-3263	154	15	days	day	NOUN
bae-3263	154	16	(	(	PUNCT
bae-3263	154	17	%	%	INTJ
bae-3263	154	18	)	)	PUNCT
bae-3263	154	19	17.47	17.47	NUM
bae-3263	154	20	17.65	17.65	NUM
bae-3263	154	21	17.01	17.01	NUM
bae-3263	154	22	18.06	18.06	NUM
bae-3263	154	23	17.33	17.33	NUM
bae-3263	154	24	17.504	17.504	NUM
bae-3263	154	25	4.6	4.6	NUM
bae-3263	154	26	portfolio	portfolio	NOUN
bae-3263	154	27	/	/	SYM
bae-3263	154	28	asset	asset	NOUN
bae-3263	154	29	57.4	57.4	NUM
bae-3263	154	30	55.21	55.21	NUM
bae-3263	154	31	58.14	58.14	NUM
bae-3263	154	32	65.96	65.96	NUM
bae-3263	154	33	69.03	69.03	NUM
bae-3263	154	34	61.148	61.148	NUM
bae-3263	154	35	na	na	ADP
bae-3263	154	36	debt	debt	NOUN
bae-3263	154	37	/	/	SYM
bae-3263	154	38	equity	equity	NOUN
bae-3263	154	39	2.65	2.65	NUM
bae-3263	154	40	2.21	2.21	NUM
bae-3263	154	41	2.2	2.2	NUM
bae-3263	154	42	2.15	2.15	NUM
bae-3263	154	43	2.15	2.15	NUM
bae-3263	154	44	2.272	2.272	NUM
bae-3263	154	45	2.9	2.9	NUM
bae-3263	154	46	cost	cost	NOUN
bae-3263	154	47	per	per	ADP
bae-3263	154	48	client	client	NOUN
bae-3263	154	49	(	(	PUNCT
bae-3263	154	50	n	n	CCONJ
bae-3263	154	51	)	)	PUNCT
bae-3263	154	52	4,214.17	4,214.17	NUM
bae-3263	154	53	4,350.00	4,350.00	NUM
bae-3263	154	54	4,863.95	4,863.95	NUM
bae-3263	154	55	4,560.07	4,560.07	NUM
bae-3263	154	56	4,283.84	4,283.84	NUM
bae-3263	154	57	4,454.406	4,454.406	NUM
bae-3263	154	58	na	na	ADP
bae-3263	154	59	borrowers	borrower	NOUN
bae-3263	154	60	per	per	ADP
bae-3263	154	61	loan	loan	NOUN
bae-3263	154	62	officer	officer	NOUN
bae-3263	154	63	232	232	NUM
bae-3263	154	64	266	266	NUM
bae-3263	154	65	269	269	NUM
bae-3263	154	66	289	289	NUM
bae-3263	154	67	313	313	NUM
bae-3263	154	68	273.8	273.8	NUM
bae-3263	154	69	238	238	NUM
bae-3263	154	70	returns	return	NOUN
bae-3263	154	71	to	to	ADP
bae-3263	154	72	asset	asset	NOUN
bae-3263	154	73	(	(	PUNCT
bae-3263	154	74	%	%	INTJ
bae-3263	154	75	)	)	PUNCT
bae-3263	154	76	7.81	7.81	NUM
bae-3263	154	77	7.31	7.31	NUM
bae-3263	154	78	6.84	6.84	NUM
bae-3263	154	79	7.77	7.77	NUM
bae-3263	154	80	8.61	8.61	NUM
bae-3263	154	81	7.668	7.668	NUM
bae-3263	154	82	1.5	1.5	NUM
bae-3263	154	83	returns	return	NOUN
bae-3263	154	84	to	to	ADP
bae-3263	154	85	equity	equity	NOUN
bae-3263	154	86	(	(	PUNCT
bae-3263	154	87	%	%	NOUN
bae-3263	154	88	)	)	PUNCT
bae-3263	154	89	26.09	26.09	NUM
bae-3263	154	90	21.33	21.33	NUM
bae-3263	154	91	19.49	19.49	NUM
bae-3263	154	92	20.52	20.52	NUM
bae-3263	154	93	23.63	23.63	NUM
bae-3263	154	94	22.212	22.212	NUM
bae-3263	154	95	7.1	7.1	NUM
bae-3263	154	96	source	source	NOUN
bae-3263	154	97	:	:	PUNCT
bae-3263	154	98	author	author	NOUN
bae-3263	154	99	’s	’s	PART
bae-3263	154	100	computation	computation	NOUN
bae-3263	154	101	(	(	PUNCT
bae-3263	154	102	2013	2013	NUM
bae-3263	154	103	)	)	PUNCT
bae-3263	154	104	.	.	PUNCT
bae-3263	155	1	na	na	NOUN
bae-3263	155	2	=	=	NOUN
bae-3263	155	3	not	not	PART
bae-3263	155	4	available	available	ADJ
bae-3263	155	5	.	.	PUNCT
bae-3263	156	1	3.2	3.2	NUM
bae-3263	156	2	malmquist	malmquist	PROPN
bae-3263	156	3	productivity	productivity	NOUN
bae-3263	156	4	index	index	NOUN
bae-3263	156	5	as	as	SCONJ
bae-3263	156	6	earlier	early	ADV
bae-3263	156	7	stated	state	VERB
bae-3263	156	8	,	,	PUNCT
bae-3263	156	9	an	an	DET
bae-3263	156	10	attractive	attractive	ADJ
bae-3263	156	11	feature	feature	NOUN
bae-3263	156	12	of	of	ADP
bae-3263	156	13	the	the	DET
bae-3263	156	14	malmquist	malmquist	NOUN
bae-3263	156	15	index	index	NOUN
bae-3263	156	16	is	be	AUX
bae-3263	156	17	that	that	SCONJ
bae-3263	156	18	it	it	PRON
bae-3263	156	19	decomposes	decompose	VERB
bae-3263	156	20	into	into	ADP
bae-3263	156	21	pure	pure	ADJ
bae-3263	156	22	technical	technical	ADJ
bae-3263	156	23	efficiency	efficiency	NOUN
bae-3263	156	24	change	change	NOUN
bae-3263	156	25	and	and	CCONJ
bae-3263	156	26	technological	technological	ADJ
bae-3263	156	27	change	change	NOUN
bae-3263	156	28	.	.	PUNCT
bae-3263	157	1	table	table	NOUN
bae-3263	157	2	2	2	NUM
bae-3263	157	3	summarized	summarize	VERB
bae-3263	157	4	the	the	DET
bae-3263	157	5	decomposed	decompose	VERB
bae-3263	157	6	mean	mean	NOUN
bae-3263	157	7	annual	annual	ADJ
bae-3263	157	8	mpi	mpi	ADJ
bae-3263	157	9	or	or	CCONJ
bae-3263	157	10	total	total	ADJ
bae-3263	157	11	factor	factor	NOUN
bae-3263	157	12	productivity	productivity	NOUN
bae-3263	157	13	(	(	PUNCT
bae-3263	157	14	tfp	tfp	PROPN
bae-3263	157	15	)	)	PUNCT
bae-3263	157	16	over	over	ADP
bae-3263	157	17	the	the	DET
bae-3263	157	18	study	study	NOUN
bae-3263	157	19	period	period	NOUN
bae-3263	157	20	.	.	PUNCT
bae-3263	158	1	the	the	DET
bae-3263	158	2	mpi	mpi	PROPN
bae-3263	158	3	is	be	AUX
bae-3263	158	4	decomposed	decompose	VERB
bae-3263	158	5	into	into	ADP
bae-3263	158	6	technical	technical	ADJ
bae-3263	158	7	efficiency	efficiency	NOUN
bae-3263	158	8	change	change	NOUN
bae-3263	158	9	and	and	CCONJ
bae-3263	158	10	technological	technological	ADJ
bae-3263	158	11	change	change	NOUN
bae-3263	158	12	of	of	ADP
bae-3263	158	13	period	period	NOUN
bae-3263	158	14	t+1	t+1	PRON
bae-3263	158	15	relative	relative	ADJ
bae-3263	158	16	to	to	ADP
bae-3263	158	17	period	period	NOUN
bae-3263	158	18	t.	t.	NOUN
bae-3263	159	1	the	the	DET
bae-3263	159	2	efficiency	efficiency	NOUN
bae-3263	159	3	change	change	NOUN
bae-3263	159	4	is	be	AUX
bae-3263	159	5	further	far	ADV
bae-3263	159	6	divided	divide	VERB
bae-3263	159	7	into	into	ADP
bae-3263	159	8	pure	pure	ADJ
bae-3263	159	9	technical	technical	ADJ
bae-3263	159	10	efficiency	efficiency	NOUN
bae-3263	159	11	change	change	NOUN
bae-3263	159	12	and	and	CCONJ
bae-3263	159	13	scale	scale	NOUN
bae-3263	159	14	efficiency	efficiency	NOUN
bae-3263	159	15	change	change	NOUN
bae-3263	159	16	(	(	PUNCT
bae-3263	159	17	changes	change	NOUN
bae-3263	159	18	due	due	ADJ
bae-3263	159	19	to	to	ADP
bae-3263	159	20	input	input	NOUN
bae-3263	159	21	-	-	PUNCT
bae-3263	159	22	output	output	NOUN
bae-3263	159	23	combination	combination	NOUN
bae-3263	159	24	efficiencies	efficiency	NOUN
bae-3263	159	25	)	)	PUNCT
bae-3263	159	26	.	.	PUNCT
bae-3263	160	1	the	the	DET
bae-3263	160	2	mfbs	mfbs	NOUN
bae-3263	160	3	experienced	experience	VERB
bae-3263	160	4	fluctuating	fluctuating	NOUN
bae-3263	160	5	performances	performance	NOUN
bae-3263	160	6	in	in	ADP
bae-3263	160	7	their	their	PRON
bae-3263	160	8	productivity	productivity	NOUN
bae-3263	160	9	changes	change	NOUN
bae-3263	160	10	.	.	PUNCT
bae-3263	161	1	table	table	NOUN
bae-3263	161	2	2	2	NUM
bae-3263	161	3	revealed	reveal	VERB
bae-3263	161	4	improvements	improvement	NOUN
bae-3263	161	5	in	in	ADP
bae-3263	161	6	the	the	DET
bae-3263	161	7	mfbs	mfbs	NOUN
bae-3263	161	8	pure	pure	ADJ
bae-3263	161	9	technical	technical	ADJ
bae-3263	161	10	efficiency	efficiency	NOUN
bae-3263	161	11	of	of	ADP
bae-3263	161	12	1.006	1.006	NUM
bae-3263	161	13	and	and	CCONJ
bae-3263	161	14	1.01	1.01	NUM
bae-3263	161	15	in	in	ADP
bae-3263	161	16	year	year	NOUN
bae-3263	161	17	2006	2006	NUM
bae-3263	161	18	-	-	SYM
bae-3263	161	19	07	07	NUM
bae-3263	161	20	and	and	CCONJ
bae-3263	161	21	2008	2008	NUM
bae-3263	161	22	-	-	SYM
bae-3263	161	23	09	09	NUM
bae-3263	161	24	while	while	SCONJ
bae-3263	161	25	they	they	PRON
bae-3263	161	26	suffered	suffer	VERB
bae-3263	161	27	deterioration	deterioration	NOUN
bae-3263	161	28	in	in	ADP
bae-3263	161	29	their	their	PRON
bae-3263	161	30	pure	pure	ADJ
bae-3263	161	31	technical	technical	ADJ
bae-3263	161	32	efficiency	efficiency	NOUN
bae-3263	161	33	with	with	ADP
bae-3263	161	34	values	value	NOUN
bae-3263	161	35	of	of	ADP
bae-3263	161	36	0.91	0.91	NUM
bae-3263	161	37	and	and	CCONJ
bae-3263	161	38	0.834	0.834	NUM
bae-3263	161	39	in	in	ADP
bae-3263	161	40	periods	period	NOUN
bae-3263	161	41	2007	2007	NUM
bae-3263	161	42	-	-	SYM
bae-3263	161	43	08	08	NUM
bae-3263	161	44	and	and	CCONJ
bae-3263	161	45	2009	2009	NUM
bae-3263	161	46	-	-	SYM
bae-3263	161	47	10	10	NUM
bae-3263	161	48	respectively	respectively	ADV
bae-3263	161	49	.	.	PUNCT
bae-3263	162	1	however	however	ADV
bae-3263	162	2	,	,	PUNCT
bae-3263	162	3	there	there	PRON
bae-3263	162	4	were	be	VERB
bae-3263	162	5	improvements	improvement	NOUN
bae-3263	162	6	in	in	ADP
bae-3263	162	7	their	their	PRON
bae-3263	162	8	scale	scale	NOUN
bae-3263	162	9	efficiency	efficiency	NOUN
bae-3263	162	10	in	in	ADP
bae-3263	162	11	years	year	NOUN
bae-3263	162	12	2006	2006	NUM
bae-3263	162	13	-	-	SYM
bae-3263	162	14	07	07	NUM
bae-3263	162	15	,	,	PUNCT
bae-3263	162	16	2008	2008	NUM
bae-3263	162	17	-	-	SYM
bae-3263	162	18	09	09	NUM
bae-3263	162	19	and	and	CCONJ
bae-3263	162	20	2009	2009	NUM
bae-3263	162	21	-	-	SYM
bae-3263	162	22	10	10	NUM
bae-3263	162	23	,	,	PUNCT
bae-3263	162	24	while	while	SCONJ
bae-3263	162	25	they	they	PRON
bae-3263	162	26	only	only	ADV
bae-3263	162	27	suffered	suffer	VERB
bae-3263	162	28	scale	scale	NOUN
bae-3263	162	29	efficiency	efficiency	NOUN
bae-3263	162	30	deterioration	deterioration	NOUN
bae-3263	162	31	in	in	ADP
bae-3263	162	32	year	year	NOUN
bae-3263	162	33	2007	2007	NUM
bae-3263	162	34	-	-	SYM
bae-3263	162	35	08	08	NUM
bae-3263	162	36	with	with	ADP
bae-3263	162	37	a	a	DET
bae-3263	162	38	value	value	NOUN
bae-3263	162	39	of	of	ADP
bae-3263	162	40	0.967	0.967	NUM
bae-3263	162	41	.	.	PUNCT
bae-3263	163	1	the	the	DET
bae-3263	163	2	mfbs	mfbs	NOUN
bae-3263	163	3	suffered	suffer	VERB
bae-3263	163	4	technological	technological	ADJ
bae-3263	163	5	decline	decline	NOUN
bae-3263	163	6	throughout	throughout	ADP
bae-3263	163	7	the	the	DET
bae-3263	163	8	periods	period	NOUN
bae-3263	163	9	with	with	ADP
bae-3263	163	10	values	value	NOUN
bae-3263	163	11	of	of	ADP
bae-3263	163	12	0.96	0.96	NUM
bae-3263	163	13	,	,	PUNCT
bae-3263	163	14	0.985	0.985	NUM
bae-3263	163	15	,	,	PUNCT
bae-3263	163	16	0.658	0.658	NUM
bae-3263	163	17	and	and	CCONJ
bae-3263	163	18	0.46	0.46	NUM
bae-3263	163	19	in	in	ADP
bae-3263	163	20	years	year	NOUN
bae-3263	163	21	2006	2006	NUM
bae-3263	163	22	-	-	SYM
bae-3263	163	23	07	07	NUM
bae-3263	163	24	,	,	PUNCT
bae-3263	163	25	2007	2007	NUM
bae-3263	163	26	-	-	SYM
bae-3263	163	27	08	08	NUM
bae-3263	163	28	,	,	PUNCT
bae-3263	163	29	2008	2008	NUM
bae-3263	163	30	-	-	SYM
bae-3263	163	31	09	09	NUM
bae-3263	163	32	and	and	CCONJ
bae-3263	163	33	2009	2009	NUM
bae-3263	163	34	-	-	SYM
bae-3263	163	35	10	10	NUM
bae-3263	163	36	respectively	respectively	ADV
bae-3263	163	37	.	.	PUNCT
bae-3263	164	1	this	this	DET
bae-3263	164	2	trend	trend	NOUN
bae-3263	164	3	280	280	NUM
bae-3263	164	4	m.a	m.a	PROPN
bae-3263	164	5	.	.	PROPN
bae-3263	164	6	olasupo	olasupo	PROPN
bae-3263	164	7	,	,	PUNCT
bae-3263	164	8	c.a	c.a	PROPN
bae-3263	164	9	.	.	PROPN
bae-3263	164	10	afolami	afolami	PROPN
bae-3263	164	11	,	,	PUNCT
bae-3263	164	12	a.m.	a.m.	PROPN
bae-3263	164	13	shittu	shittu	PROPN
bae-3263	164	14	,	,	PUNCT
bae-3263	164	15	a.a.a	a.a.a	PROPN
bae-3263	164	16	.	.	PUNCT
bae-3263	164	17	agboola	agboola	PROPN
bae-3263	164	18	is	be	AUX
bae-3263	164	19	quite	quite	ADV
bae-3263	164	20	disturbing	disturbing	ADJ
bae-3263	164	21	as	as	ADP
bae-3263	164	22	the	the	DET
bae-3263	164	23	sharp	sharp	ADJ
bae-3263	164	24	declines	decline	NOUN
bae-3263	164	25	in	in	ADP
bae-3263	164	26	years	year	NOUN
bae-3263	164	27	2008	2008	NUM
bae-3263	164	28	-	-	SYM
bae-3263	164	29	09	09	NUM
bae-3263	164	30	and	and	CCONJ
bae-3263	164	31	2009	2009	NUM
bae-3263	164	32	-	-	SYM
bae-3263	164	33	10	10	NUM
bae-3263	164	34	showed	show	VERB
bae-3263	164	35	the	the	DET
bae-3263	164	36	mfbs	mfbs	NOUN
bae-3263	164	37	are	be	AUX
bae-3263	164	38	not	not	PART
bae-3263	164	39	leveraging	leverage	VERB
bae-3263	164	40	on	on	ADP
bae-3263	164	41	available	available	ADJ
bae-3263	164	42	technology	technology	NOUN
bae-3263	164	43	to	to	PART
bae-3263	164	44	improve	improve	VERB
bae-3263	164	45	on	on	ADP
bae-3263	164	46	their	their	PRON
bae-3263	164	47	efficiency	efficiency	NOUN
bae-3263	164	48	.	.	PUNCT
bae-3263	165	1	technological	technological	ADJ
bae-3263	165	2	innovations	innovation	NOUN
bae-3263	165	3	will	will	AUX
bae-3263	165	4	help	help	VERB
bae-3263	165	5	simplify	simplify	VERB
bae-3263	165	6	the	the	DET
bae-3263	165	7	operations	operation	NOUN
bae-3263	165	8	of	of	ADP
bae-3263	165	9	mfbs	mfbs	NOUN
bae-3263	165	10	as	as	SCONJ
bae-3263	165	11	they	they	PRON
bae-3263	165	12	struggle	struggle	VERB
bae-3263	165	13	to	to	PART
bae-3263	165	14	balance	balance	VERB
bae-3263	165	15	their	their	PRON
bae-3263	165	16	operational	operational	ADJ
bae-3263	165	17	objectives	objective	NOUN
bae-3263	165	18	of	of	ADP
bae-3263	165	19	outreach	outreach	NOUN
bae-3263	165	20	and	and	CCONJ
bae-3263	165	21	financial	financial	ADJ
bae-3263	165	22	sustainability	sustainability	NOUN
bae-3263	165	23	.	.	PUNCT
bae-3263	166	1	the	the	DET
bae-3263	166	2	observed	observe	VERB
bae-3263	166	3	technological	technological	ADJ
bae-3263	166	4	decline	decline	NOUN
bae-3263	166	5	from	from	ADP
bae-3263	166	6	2006	2006	NUM
bae-3263	166	7	to	to	ADP
bae-3263	166	8	2010	2010	NUM
bae-3263	166	9	corroborates	corroborate	VERB
bae-3263	166	10	the	the	DET
bae-3263	166	11	submissions	submission	NOUN
bae-3263	166	12	of	of	ADP
bae-3263	166	13	oladejo	oladejo	NOUN
bae-3263	166	14	and	and	CCONJ
bae-3263	166	15	olowookere	olowookere	ADV
bae-3263	166	16	(	(	PUNCT
bae-3263	166	17	2011	2011	NUM
bae-3263	166	18	)	)	PUNCT
bae-3263	166	19	and	and	CCONJ
bae-3263	166	20	moya	moya	PROPN
bae-3263	166	21	musa	musa	PROPN
bae-3263	166	22	et	et	PROPN
bae-3263	166	23	al	al	PROPN
bae-3263	166	24	.	.	PROPN
bae-3263	167	1	(	(	PUNCT
bae-3263	167	2	2012	2012	NUM
bae-3263	167	3	)	)	PUNCT
bae-3263	167	4	on	on	ADP
bae-3263	167	5	the	the	DET
bae-3263	167	6	poor	poor	ADJ
bae-3263	167	7	deployment	deployment	NOUN
bae-3263	167	8	of	of	ADP
bae-3263	167	9	technology	technology	NOUN
bae-3263	167	10	among	among	ADP
bae-3263	167	11	mfis	mfis	PROPN
bae-3263	167	12	.	.	PUNCT
bae-3263	168	1	overall	overall	ADV
bae-3263	168	2	,	,	PUNCT
bae-3263	168	3	the	the	DET
bae-3263	168	4	mfbs	mfbs	NOUN
bae-3263	168	5	experienced	experience	VERB
bae-3263	168	6	total	total	ADJ
bae-3263	168	7	factor	factor	NOUN
bae-3263	168	8	productivity	productivity	NOUN
bae-3263	168	9	improvements	improvement	NOUN
bae-3263	168	10	only	only	ADV
bae-3263	168	11	in	in	ADP
bae-3263	168	12	year	year	NOUN
bae-3263	168	13	200607	200607	NUM
bae-3263	168	14	,	,	PUNCT
bae-3263	168	15	while	while	SCONJ
bae-3263	168	16	there	there	PRON
bae-3263	168	17	were	be	VERB
bae-3263	168	18	deteriorations	deterioration	NOUN
bae-3263	168	19	in	in	ADP
bae-3263	168	20	years	year	NOUN
bae-3263	168	21	2007	2007	NUM
bae-3263	168	22	-	-	SYM
bae-3263	168	23	08	08	NUM
bae-3263	168	24	,	,	PUNCT
bae-3263	168	25	2008	2008	NUM
bae-3263	168	26	-	-	SYM
bae-3263	168	27	09	09	NUM
bae-3263	168	28	and	and	CCONJ
bae-3263	168	29	2009	2009	NUM
bae-3263	168	30	-	-	SYM
bae-3263	168	31	10	10	NUM
bae-3263	168	32	.	.	PUNCT
bae-3263	169	1	figure	figure	NOUN
bae-3263	169	2	1	1	NUM
bae-3263	169	3	showed	show	VERB
bae-3263	169	4	trend	trend	NOUN
bae-3263	169	5	in	in	ADP
bae-3263	169	6	mean	mean	PROPN
bae-3263	169	7	annual	annual	ADJ
bae-3263	169	8	technical	technical	ADJ
bae-3263	169	9	and	and	CCONJ
bae-3263	169	10	technological	technological	ADJ
bae-3263	169	11	changes	change	NOUN
bae-3263	169	12	of	of	ADP
bae-3263	169	13	the	the	DET
bae-3263	169	14	sampled	sample	VERB
bae-3263	169	15	mfbs	mfbs	NOUN
bae-3263	169	16	and	and	CCONJ
bae-3263	169	17	corroborated	corroborate	VERB
bae-3263	169	18	the	the	DET
bae-3263	169	19	earlier	early	ADJ
bae-3263	169	20	assertion	assertion	NOUN
bae-3263	169	21	that	that	SCONJ
bae-3263	169	22	the	the	DET
bae-3263	169	23	mfbs	mfbs	NOUN
bae-3263	169	24	had	have	AUX
bae-3263	169	25	better	well	ADJ
bae-3263	169	26	technical	technical	ADJ
bae-3263	169	27	efficiency	efficiency	NOUN
bae-3263	169	28	changes	change	NOUN
bae-3263	169	29	than	than	ADP
bae-3263	169	30	their	their	PRON
bae-3263	169	31	technological	technological	ADJ
bae-3263	169	32	efficiency	efficiency	NOUN
bae-3263	169	33	changes	change	NOUN
bae-3263	169	34	.	.	PUNCT
bae-3263	170	1	it	it	PRON
bae-3263	170	2	further	far	ADV
bae-3263	170	3	underscores	underscore	VERB
bae-3263	170	4	the	the	DET
bae-3263	170	5	relevance	relevance	NOUN
bae-3263	170	6	of	of	ADP
bae-3263	170	7	technology	technology	NOUN
bae-3263	170	8	in	in	ADP
bae-3263	170	9	the	the	DET
bae-3263	170	10	modern	modern	ADJ
bae-3263	170	11	business	business	NOUN
bae-3263	170	12	environment	environment	NOUN
bae-3263	170	13	and	and	CCONJ
bae-3263	170	14	mfbs	mfbs	NOUN
bae-3263	170	15	should	should	AUX
bae-3263	170	16	be	be	AUX
bae-3263	170	17	encouraged	encourage	VERB
bae-3263	170	18	to	to	PART
bae-3263	170	19	leverage	leverage	VERB
bae-3263	170	20	on	on	ADP
bae-3263	170	21	available	available	ADJ
bae-3263	170	22	technology	technology	NOUN
bae-3263	170	23	to	to	PART
bae-3263	170	24	ease	ease	VERB
bae-3263	170	25	their	their	PRON
bae-3263	170	26	operations	operation	NOUN
bae-3263	170	27	and	and	CCONJ
bae-3263	170	28	enhance	enhance	VERB
bae-3263	170	29	their	their	PRON
bae-3263	170	30	accounting	accounting	NOUN
bae-3263	170	31	and	and	CCONJ
bae-3263	170	32	loan	loan	NOUN
bae-3263	170	33	tracking	tracking	NOUN
bae-3263	170	34	proficiencies	proficiency	NOUN
bae-3263	170	35	.	.	PUNCT
bae-3263	171	1	table	table	NOUN
bae-3263	171	2	2	2	NUM
bae-3263	171	3	.	.	PUNCT
bae-3263	172	1	summary	summary	NOUN
bae-3263	172	2	of	of	ADP
bae-3263	172	3	the	the	DET
bae-3263	172	4	malmquist	malmquist	PROPN
bae-3263	172	5	productivity	productivity	NOUN
bae-3263	172	6	index	index	NOUN
bae-3263	172	7	for	for	ADP
bae-3263	172	8	the	the	DET
bae-3263	172	9	(	(	PUNCT
bae-3263	172	10	2006	2006	NUM
bae-3263	172	11	to	to	ADP
bae-3263	172	12	2010	2010	NUM
bae-3263	172	13	)	)	PUNCT
bae-3263	172	14	.	.	PUNCT
bae-3263	173	1	concept	concept	NOUN
bae-3263	173	2	06	06	NUM
bae-3263	173	3	-	-	SYM
bae-3263	173	4	07	07	NUM
bae-3263	173	5	07	07	NUM
bae-3263	173	6	-	-	SYM
bae-3263	173	7	08	08	NUM
bae-3263	173	8	08	08	NUM
bae-3263	173	9	-	-	SYM
bae-3263	173	10	09	09	NUM
bae-3263	173	11	09	09	NUM
bae-3263	173	12	-	-	SYM
bae-3263	173	13	10	10	NUM
bae-3263	173	14	efficiency	efficiency	NOUN
bae-3263	173	15	change	change	VERB
bae-3263	173	16	1.142	1.142	NUM
bae-3263	173	17	0.88	0.88	NUM
bae-3263	173	18	1.445	1.445	NUM
bae-3263	173	19	1.661	1.661	NUM
bae-3263	173	20	technological	technological	ADJ
bae-3263	173	21	change	change	NOUN
bae-3263	173	22	0.96	0.96	NUM
bae-3263	173	23	0.985	0.985	NUM
bae-3263	173	24	0.658	0.658	NUM
bae-3263	173	25	0.46	0.46	NUM
bae-3263	173	26	pure	pure	ADJ
bae-3263	173	27	efficiency	efficiency	NOUN
bae-3263	173	28	change	change	VERB
bae-3263	173	29	1.066	1.066	NUM
bae-3263	173	30	0.91	0.91	NUM
bae-3263	173	31	1.01	1.01	NUM
bae-3263	173	32	0.834	0.834	NUM
bae-3263	173	33	scale	scale	NOUN
bae-3263	173	34	efficiency	efficiency	NOUN
bae-3263	173	35	change	change	NOUN
bae-3263	173	36	1.071	1.071	NUM
bae-3263	173	37	0.967	0.967	NUM
bae-3263	173	38	1.431	1.431	NUM
bae-3263	173	39	1.993	1.993	NUM
bae-3263	173	40	total	total	ADJ
bae-3263	173	41	factor	factor	NOUN
bae-3263	173	42	productivity	productivity	NOUN
bae-3263	173	43	change	change	NOUN
bae-3263	173	44	1.097	1.097	NUM
bae-3263	173	45	0.867	0.867	NUM
bae-3263	173	46	0.951	0.951	NUM
bae-3263	173	47	0.764	0.764	NUM
bae-3263	173	48	author	author	NOUN
bae-3263	173	49	’s	’s	PART
bae-3263	173	50	computation	computation	NOUN
bae-3263	173	51	(	(	PUNCT
bae-3263	173	52	2013	2013	NUM
bae-3263	173	53	):	):	PUNCT
bae-3263	173	54	figure	figure	NOUN
bae-3263	173	55	1	1	NUM
bae-3263	173	56	.	.	NOUN
bae-3263	173	57	trend	trend	NOUN
bae-3263	173	58	in	in	ADP
bae-3263	173	59	mean	mean	ADJ
bae-3263	173	60	annual	annual	ADJ
bae-3263	173	61	technological	technological	ADJ
bae-3263	173	62	(	(	PUNCT
bae-3263	173	63	tech	tech	NOUN
bae-3263	173	64	)	)	PUNCT
bae-3263	173	65	and	and	CCONJ
bae-3263	173	66	technical	technical	ADJ
bae-3263	173	67	changes	change	NOUN
bae-3263	173	68	(	(	PUNCT
bae-3263	173	69	eff	eff	PROPN
bae-3263	173	70	)	)	PUNCT
bae-3263	173	71	for	for	ADP
bae-3263	173	72	mfbs	mfbs	PROPN
bae-3263	173	73	(	(	PUNCT
bae-3263	173	74	20062010	20062010	NUM
bae-3263	173	75	)	)	PUNCT
bae-3263	173	76	.	.	PUNCT
bae-3263	173	77	  	  	SPACE
bae-3263	174	1	281performance	281performance	PROPN
bae-3263	174	2	and	and	CCONJ
bae-3263	174	3	productivity	productivity	NOUN
bae-3263	174	4	changes	change	VERB
bae-3263	174	5	4	4	NUM
bae-3263	174	6	.	.	X
bae-3263	175	1	summary	summary	NOUN
bae-3263	175	2	and	and	CCONJ
bae-3263	175	3	conclusion	conclusion	NOUN
bae-3263	175	4	in	in	ADP
bae-3263	175	5	assessing	assess	VERB
bae-3263	175	6	the	the	DET
bae-3263	175	7	performance	performance	NOUN
bae-3263	175	8	and	and	CCONJ
bae-3263	175	9	productivity	productivity	NOUN
bae-3263	175	10	changes	change	NOUN
bae-3263	175	11	of	of	ADP
bae-3263	175	12	mfbs	mfbs	NOUN
bae-3263	175	13	in	in	ADP
bae-3263	175	14	south	south	PROPN
bae-3263	175	15	-	-	PUNCT
bae-3263	175	16	west	west	PROPN
bae-3263	175	17	nigeria	nigeria	PROPN
bae-3263	175	18	as	as	ADP
bae-3263	175	19	an	an	DET
bae-3263	175	20	indicator	indicator	NOUN
bae-3263	175	21	to	to	ADP
bae-3263	175	22	the	the	DET
bae-3263	175	23	happenings	happening	NOUN
bae-3263	175	24	in	in	ADP
bae-3263	175	25	the	the	DET
bae-3263	175	26	nigerian	nigerian	ADJ
bae-3263	175	27	microfinance	microfinance	NOUN
bae-3263	175	28	sub	sub	NOUN
bae-3263	175	29	-	-	NOUN
bae-3263	175	30	sector	sector	NOUN
bae-3263	175	31	,	,	PUNCT
bae-3263	175	32	the	the	DET
bae-3263	175	33	study	study	NOUN
bae-3263	175	34	noticed	notice	VERB
bae-3263	175	35	a	a	DET
bae-3263	175	36	steady	steady	ADJ
bae-3263	175	37	growth	growth	NOUN
bae-3263	175	38	in	in	ADP
bae-3263	175	39	the	the	DET
bae-3263	175	40	operations	operation	NOUN
bae-3263	175	41	of	of	ADP
bae-3263	175	42	the	the	DET
bae-3263	175	43	mfbs	mfbs	NOUN
bae-3263	175	44	but	but	CCONJ
bae-3263	175	45	also	also	ADV
bae-3263	175	46	revealed	reveal	VERB
bae-3263	175	47	a	a	DET
bae-3263	175	48	lot	lot	NOUN
bae-3263	175	49	of	of	ADP
bae-3263	175	50	opportunities	opportunity	NOUN
bae-3263	175	51	for	for	ADP
bae-3263	175	52	improvements	improvement	NOUN
bae-3263	175	53	.	.	PUNCT
bae-3263	176	1	the	the	DET
bae-3263	176	2	performance	performance	NOUN
bae-3263	176	3	indicators	indicator	NOUN
bae-3263	176	4	of	of	ADP
bae-3263	176	5	the	the	DET
bae-3263	176	6	mfbs	mfbs	NOUN
bae-3263	176	7	using	use	VERB
bae-3263	176	8	relevant	relevant	ADJ
bae-3263	176	9	ratios	ratio	NOUN
bae-3263	176	10	indicated	indicate	VERB
bae-3263	176	11	gross	gross	ADJ
bae-3263	176	12	inconsistencies	inconsistency	NOUN
bae-3263	176	13	in	in	ADP
bae-3263	176	14	the	the	DET
bae-3263	176	15	mfbs	mfbs	NOUN
bae-3263	176	16	performance	performance	NOUN
bae-3263	176	17	as	as	SCONJ
bae-3263	176	18	benchmarked	benchmarke	VERB
bae-3263	176	19	against	against	ADP
bae-3263	176	20	global	global	ADJ
bae-3263	176	21	standards	standard	NOUN
bae-3263	176	22	.	.	PUNCT
bae-3263	177	1	though	though	SCONJ
bae-3263	177	2	the	the	DET
bae-3263	177	3	nigerian	nigerian	ADJ
bae-3263	177	4	microfinance	microfinance	NOUN
bae-3263	177	5	sub	sub	NOUN
bae-3263	177	6	-	-	NOUN
bae-3263	177	7	sector	sector	NOUN
bae-3263	177	8	is	be	AUX
bae-3263	177	9	still	still	ADV
bae-3263	177	10	emerging	emerge	VERB
bae-3263	177	11	,	,	PUNCT
bae-3263	177	12	huge	huge	ADJ
bae-3263	177	13	deviations	deviation	NOUN
bae-3263	177	14	from	from	ADP
bae-3263	177	15	global	global	ADJ
bae-3263	177	16	standards	standard	NOUN
bae-3263	177	17	indicated	indicate	VERB
bae-3263	177	18	the	the	DET
bae-3263	177	19	enormous	enormous	ADJ
bae-3263	177	20	effort	effort	NOUN
bae-3263	177	21	required	require	VERB
bae-3263	177	22	to	to	ADP
bae-3263	177	23	mainstream	mainstream	ADJ
bae-3263	177	24	mfbs	mfbs	NOUN
bae-3263	177	25	towards	towards	ADP
bae-3263	177	26	best	good	ADJ
bae-3263	177	27	-	-	PUNCT
bae-3263	177	28	practices	practice	NOUN
bae-3263	177	29	.	.	PUNCT
bae-3263	178	1	the	the	DET
bae-3263	178	2	study	study	NOUN
bae-3263	178	3	revealed	reveal	VERB
bae-3263	178	4	an	an	DET
bae-3263	178	5	annual	annual	ADJ
bae-3263	178	6	average	average	ADJ
bae-3263	178	7	par	par	NOUN
bae-3263	178	8	<	<	X
bae-3263	178	9	30	30	NUM
bae-3263	178	10	days	day	NOUN
bae-3263	178	11	of	of	ADP
bae-3263	178	12	between	between	ADP
bae-3263	178	13	17.01	17.01	NUM
bae-3263	178	14	%	%	NOUN
bae-3263	178	15	and	and	CCONJ
bae-3263	178	16	18.06	18.06	NUM
bae-3263	178	17	%	%	NOUN
bae-3263	178	18	as	as	ADP
bae-3263	178	19	compared	compare	VERB
bae-3263	178	20	to	to	ADP
bae-3263	178	21	global	global	ADJ
bae-3263	178	22	par	par	NOUN
bae-3263	178	23	<	<	X
bae-3263	178	24	30	30	NUM
bae-3263	178	25	days	day	NOUN
bae-3263	178	26	value	value	NOUN
bae-3263	178	27	of	of	ADP
bae-3263	178	28	4.6	4.6	NUM
bae-3263	178	29	%	%	NOUN
bae-3263	178	30	.	.	PUNCT
bae-3263	179	1	par	par	PROPN
bae-3263	179	2	is	be	AUX
bae-3263	179	3	crucial	crucial	ADJ
bae-3263	179	4	to	to	ADP
bae-3263	179	5	the	the	DET
bae-3263	179	6	mfbs	mfbs	NOUN
bae-3263	179	7	’	'	PUNCT
bae-3263	179	8	survival	survival	NOUN
bae-3263	179	9	as	as	SCONJ
bae-3263	179	10	it	it	PRON
bae-3263	179	11	measures	measure	VERB
bae-3263	179	12	the	the	DET
bae-3263	179	13	potential	potential	NOUN
bae-3263	179	14	for	for	ADP
bae-3263	179	15	future	future	ADJ
bae-3263	179	16	losses	loss	NOUN
bae-3263	179	17	based	base	VERB
bae-3263	179	18	on	on	ADP
bae-3263	179	19	the	the	DET
bae-3263	179	20	current	current	ADJ
bae-3263	179	21	performance	performance	NOUN
bae-3263	179	22	of	of	ADP
bae-3263	179	23	the	the	DET
bae-3263	179	24	loan	loan	NOUN
bae-3263	179	25	portfolio	portfolio	NOUN
bae-3263	179	26	.	.	PUNCT
bae-3263	180	1	mfbs	mfbs	PROPN
bae-3263	180	2	should	should	AUX
bae-3263	180	3	be	be	AUX
bae-3263	180	4	encouraged	encourage	VERB
bae-3263	180	5	to	to	PART
bae-3263	180	6	tighten	tighten	VERB
bae-3263	180	7	their	their	PRON
bae-3263	180	8	loan	loan	NOUN
bae-3263	180	9	tracking	tracking	NOUN
bae-3263	180	10	and	and	CCONJ
bae-3263	180	11	recovery	recovery	NOUN
bae-3263	180	12	mechanisms	mechanism	NOUN
bae-3263	180	13	.	.	PUNCT
bae-3263	181	1	regulatory	regulatory	ADJ
bae-3263	181	2	authorities	authority	NOUN
bae-3263	181	3	could	could	AUX
bae-3263	181	4	also	also	ADV
bae-3263	181	5	assist	assist	VERB
bae-3263	181	6	the	the	DET
bae-3263	181	7	mfbs	mfbs	NOUN
bae-3263	181	8	to	to	PART
bae-3263	181	9	establish	establish	VERB
bae-3263	181	10	enforce	enforce	ADJ
bae-3263	181	11	-	-	PUNCT
bae-3263	181	12	able	able	ADJ
bae-3263	181	13	loan	loan	NOUN
bae-3263	181	14	recovery	recovery	NOUN
bae-3263	181	15	systems	system	NOUN
bae-3263	181	16	.	.	PUNCT
bae-3263	182	1	the	the	DET
bae-3263	182	2	annual	annual	ADJ
bae-3263	182	3	average	average	ADJ
bae-3263	182	4	portfolio	portfolio	NOUN
bae-3263	182	5	to	to	ADP
bae-3263	182	6	assets	asset	NOUN
bae-3263	182	7	ratio	ratio	NOUN
bae-3263	182	8	of	of	ADP
bae-3263	182	9	the	the	DET
bae-3263	182	10	mfbs	mfbs	NOUN
bae-3263	182	11	ranged	range	VERB
bae-3263	182	12	from	from	ADP
bae-3263	182	13	55	55	NUM
bae-3263	182	14	%	%	NOUN
bae-3263	182	15	to	to	PART
bae-3263	182	16	69	69	NUM
bae-3263	182	17	%	%	NOUN
bae-3263	182	18	.	.	PUNCT
bae-3263	183	1	the	the	DET
bae-3263	183	2	mfbs	mfbs	NOUN
bae-3263	183	3	reported	report	VERB
bae-3263	183	4	an	an	DET
bae-3263	183	5	average	average	ADJ
bae-3263	183	6	leverage	leverage	NOUN
bae-3263	183	7	of	of	ADP
bae-3263	183	8	2.32	2.32	NUM
bae-3263	183	9	,	,	PUNCT
bae-3263	183	10	which	which	PRON
bae-3263	183	11	though	though	SCONJ
bae-3263	183	12	lower	low	ADJ
bae-3263	183	13	than	than	ADP
bae-3263	183	14	the	the	DET
bae-3263	183	15	reported	report	VERB
bae-3263	183	16	global	global	ADJ
bae-3263	183	17	average	average	NOUN
bae-3263	183	18	of	of	ADP
bae-3263	183	19	2.9	2.9	NUM
bae-3263	183	20	but	but	CCONJ
bae-3263	183	21	very	very	ADV
bae-3263	183	22	close	close	ADJ
bae-3263	183	23	to	to	ADP
bae-3263	183	24	the	the	DET
bae-3263	183	25	2.4	2.4	NUM
bae-3263	183	26	average	average	NOUN
bae-3263	183	27	reported	report	VERB
bae-3263	183	28	for	for	ADP
bae-3263	183	29	africa	africa	PROPN
bae-3263	183	30	.	.	PUNCT
bae-3263	184	1	the	the	DET
bae-3263	184	2	average	average	ADJ
bae-3263	184	3	cost	cost	NOUN
bae-3263	184	4	per	per	ADP
bae-3263	184	5	client	client	NOUN
bae-3263	184	6	ratio	ratio	NOUN
bae-3263	184	7	of	of	ADP
bae-3263	184	8	the	the	DET
bae-3263	184	9	mfbs	mfbs	NOUN
bae-3263	184	10	was	be	AUX
bae-3263	184	11	n4,454.41	n4,454.41	NOUN
bae-3263	184	12	(	(	PUNCT
bae-3263	184	13	$	$	SYM
bae-3263	184	14	27.84	27.84	NUM
bae-3263	184	15	)	)	PUNCT
bae-3263	184	16	,	,	PUNCT
bae-3263	184	17	a	a	DET
bae-3263	184	18	value	value	NOUN
bae-3263	184	19	perceived	perceive	VERB
bae-3263	184	20	as	as	ADP
bae-3263	184	21	being	be	AUX
bae-3263	184	22	too	too	ADV
bae-3263	184	23	high	high	ADJ
bae-3263	184	24	considering	consider	VERB
bae-3263	184	25	the	the	DET
bae-3263	184	26	fact	fact	NOUN
bae-3263	184	27	that	that	SCONJ
bae-3263	184	28	significant	significant	ADJ
bae-3263	184	29	number	number	NOUN
bae-3263	184	30	of	of	ADP
bae-3263	184	31	the	the	DET
bae-3263	184	32	clients	client	NOUN
bae-3263	184	33	still	still	ADV
bae-3263	184	34	borrow	borrow	VERB
bae-3263	184	35	between	between	ADP
bae-3263	184	36	the	the	DET
bae-3263	184	37	n5,000	n5,000	PROPN
bae-3263	184	38	to	to	ADP
bae-3263	184	39	n50,000	n50,000	PROPN
bae-3263	184	40	(	(	PUNCT
bae-3263	184	41	$	$	SYM
bae-3263	184	42	31.25	31.25	NUM
bae-3263	184	43	to	to	ADP
bae-3263	184	44	$	$	SYM
bae-3263	184	45	310.25	310.25	NUM
bae-3263	184	46	)	)	PUNCT
bae-3263	184	47	range	range	NOUN
bae-3263	184	48	.	.	PUNCT
bae-3263	185	1	the	the	DET
bae-3263	185	2	return	return	NOUN
bae-3263	185	3	on	on	ADP
bae-3263	185	4	assets	asset	NOUN
bae-3263	185	5	(	(	PUNCT
bae-3263	185	6	roa	roa	NOUN
bae-3263	185	7	)	)	PUNCT
bae-3263	185	8	and	and	CCONJ
bae-3263	185	9	return	return	VERB
bae-3263	185	10	on	on	ADP
bae-3263	185	11	equity	equity	NOUN
bae-3263	185	12	(	(	PUNCT
bae-3263	185	13	roe	roe	PROPN
bae-3263	185	14	)	)	PUNCT
bae-3263	185	15	of	of	ADP
bae-3263	185	16	the	the	DET
bae-3263	185	17	mfbs	mfbs	NOUN
bae-3263	185	18	were	be	AUX
bae-3263	185	19	quite	quite	ADV
bae-3263	185	20	impressive	impressive	ADJ
bae-3263	185	21	as	as	SCONJ
bae-3263	185	22	compared	compare	VERB
bae-3263	185	23	with	with	ADP
bae-3263	185	24	reported	report	VERB
bae-3263	185	25	global	global	ADJ
bae-3263	185	26	averages	average	NOUN
bae-3263	185	27	but	but	CCONJ
bae-3263	185	28	this	this	PRON
bae-3263	185	29	could	could	AUX
bae-3263	185	30	be	be	AUX
bae-3263	185	31	highly	highly	ADV
bae-3263	185	32	connected	connected	ADJ
bae-3263	185	33	to	to	ADP
bae-3263	185	34	the	the	DET
bae-3263	185	35	high	high	ADJ
bae-3263	185	36	interest	interest	NOUN
bae-3263	185	37	rates	rate	NOUN
bae-3263	185	38	currently	currently	ADV
bae-3263	185	39	being	be	AUX
bae-3263	185	40	charged	charge	VERB
bae-3263	185	41	for	for	ADP
bae-3263	185	42	the	the	DET
bae-3263	185	43	services	service	NOUN
bae-3263	185	44	of	of	ADP
bae-3263	185	45	the	the	DET
bae-3263	185	46	mfbs	mfbs	NOUN
bae-3263	185	47	.	.	PUNCT
bae-3263	186	1	the	the	DET
bae-3263	186	2	average	average	ADJ
bae-3263	186	3	interest	interest	NOUN
bae-3263	186	4	rate	rate	NOUN
bae-3263	186	5	among	among	ADP
bae-3263	186	6	the	the	DET
bae-3263	186	7	sampled	sample	VERB
bae-3263	186	8	mfbs	mfbs	NOUN
bae-3263	186	9	ranged	range	VERB
bae-3263	186	10	from	from	ADP
bae-3263	186	11	3	3	NUM
bae-3263	186	12	%	%	NOUN
bae-3263	186	13	to	to	PART
bae-3263	186	14	6	6	NUM
bae-3263	186	15	%	%	NOUN
bae-3263	186	16	per	per	ADP
bae-3263	186	17	month	month	NOUN
bae-3263	186	18	.	.	PUNCT
bae-3263	187	1	the	the	DET
bae-3263	187	2	malmquist	malmquist	PROPN
bae-3263	187	3	productivity	productivity	NOUN
bae-3263	187	4	index	index	NOUN
bae-3263	187	5	showed	show	VERB
bae-3263	187	6	inconsistencies	inconsistency	NOUN
bae-3263	187	7	in	in	ADP
bae-3263	187	8	the	the	DET
bae-3263	187	9	technical	technical	ADJ
bae-3263	187	10	and	and	CCONJ
bae-3263	187	11	technological	technological	ADJ
bae-3263	187	12	changes	change	NOUN
bae-3263	187	13	as	as	SCONJ
bae-3263	187	14	the	the	DET
bae-3263	187	15	mfbs	mfbs	NOUN
bae-3263	187	16	had	have	VERB
bae-3263	187	17	more	more	ADV
bae-3263	187	18	pronounced	pronounced	ADJ
bae-3263	187	19	changes	change	NOUN
bae-3263	187	20	in	in	ADP
bae-3263	187	21	their	their	PRON
bae-3263	187	22	technical	technical	ADJ
bae-3263	187	23	productivity	productivity	NOUN
bae-3263	187	24	changes	change	NOUN
bae-3263	187	25	than	than	ADP
bae-3263	187	26	their	their	PRON
bae-3263	187	27	technological	technological	ADJ
bae-3263	187	28	productivity	productivity	NOUN
bae-3263	187	29	changes	change	NOUN
bae-3263	187	30	.	.	PUNCT
bae-3263	188	1	it	it	PRON
bae-3263	188	2	was	be	AUX
bae-3263	188	3	revealed	reveal	VERB
bae-3263	188	4	that	that	SCONJ
bae-3263	188	5	the	the	DET
bae-3263	188	6	mfbs	mfbs	NOUN
bae-3263	188	7	had	have	VERB
bae-3263	188	8	no	no	DET
bae-3263	188	9	technological	technological	ADJ
bae-3263	188	10	productivity	productivity	NOUN
bae-3263	188	11	improvements	improvement	NOUN
bae-3263	188	12	as	as	SCONJ
bae-3263	188	13	the	the	DET
bae-3263	188	14	mfbs	mfbs	NOUN
bae-3263	188	15	experienced	experience	VERB
bae-3263	188	16	technological	technological	ADJ
bae-3263	188	17	productivity	productivity	NOUN
bae-3263	188	18	decline	decline	NOUN
bae-3263	188	19	throughout	throughout	ADP
bae-3263	188	20	the	the	DET
bae-3263	188	21	study	study	NOUN
bae-3263	188	22	period	period	NOUN
bae-3263	188	23	of	of	ADP
bae-3263	188	24	2006	2006	NUM
bae-3263	188	25	to	to	ADP
bae-3263	188	26	2010	2010	NUM
bae-3263	188	27	.	.	PUNCT
bae-3263	189	1	this	this	DET
bae-3263	189	2	positive	positive	ADJ
bae-3263	189	3	correlation	correlation	NOUN
bae-3263	189	4	between	between	ADP
bae-3263	189	5	performance	performance	NOUN
bae-3263	189	6	and	and	CCONJ
bae-3263	189	7	technology	technology	NOUN
bae-3263	189	8	amplifies	amplify	VERB
bae-3263	189	9	the	the	DET
bae-3263	189	10	relevance	relevance	NOUN
bae-3263	189	11	of	of	ADP
bae-3263	189	12	technology	technology	NOUN
bae-3263	189	13	to	to	ADP
bae-3263	189	14	the	the	DET
bae-3263	189	15	overall	overall	ADJ
bae-3263	189	16	performance	performance	NOUN
bae-3263	189	17	and	and	CCONJ
bae-3263	189	18	sustainability	sustainability	NOUN
bae-3263	189	19	of	of	ADP
bae-3263	189	20	mfbs	mfbs	PROPN
bae-3263	189	21	in	in	ADP
bae-3263	189	22	nigeria	nigeria	PROPN
bae-3263	189	23	.	.	PUNCT
bae-3263	190	1	in	in	ADP
bae-3263	190	2	this	this	DET
bae-3263	190	3	age	age	NOUN
bae-3263	190	4	of	of	ADP
bae-3263	190	5	information	information	NOUN
bae-3263	190	6	technology	technology	NOUN
bae-3263	190	7	,	,	PUNCT
bae-3263	190	8	it	it	PRON
bae-3263	190	9	is	be	AUX
bae-3263	190	10	expedient	expedient	ADJ
bae-3263	190	11	for	for	ADP
bae-3263	190	12	mfbs	mfbs	NOUN
bae-3263	190	13	to	to	PART
bae-3263	190	14	collaborate	collaborate	VERB
bae-3263	190	15	and	and	CCONJ
bae-3263	190	16	evolve	evolve	VERB
bae-3263	190	17	operational	operational	ADJ
bae-3263	190	18	softwares	software	NOUN
bae-3263	190	19	that	that	PRON
bae-3263	190	20	will	will	AUX
bae-3263	190	21	ease	ease	VERB
bae-3263	190	22	their	their	PRON
bae-3263	190	23	customer	customer	NOUN
bae-3263	190	24	tracking	tracking	NOUN
bae-3263	190	25	,	,	PUNCT
bae-3263	190	26	loan	loan	NOUN
bae-3263	190	27	monitoring	monitoring	NOUN
bae-3263	190	28	,	,	PUNCT
bae-3263	190	29	operational	operational	ADJ
bae-3263	190	30	performances	performance	NOUN
bae-3263	190	31	and	and	CCONJ
bae-3263	190	32	provides	provide	VERB
bae-3263	190	33	cost	cost	NOUN
bae-3263	190	34	effective	effective	ADJ
bae-3263	190	35	and	and	CCONJ
bae-3263	190	36	efficient	efficient	ADJ
bae-3263	190	37	means	mean	NOUN
bae-3263	190	38	of	of	ADP
bae-3263	190	39	achieving	achieve	VERB
bae-3263	190	40	their	their	PRON
bae-3263	190	41	business	business	NOUN
bae-3263	190	42	objectives	objective	NOUN
bae-3263	190	43	.	.	PUNCT
bae-3263	191	1	mfbs	mfbs	PROPN
bae-3263	191	2	should	should	AUX
bae-3263	191	3	be	be	AUX
bae-3263	191	4	encouraged	encourage	VERB
bae-3263	191	5	to	to	PART
bae-3263	191	6	leverage	leverage	VERB
bae-3263	191	7	on	on	ADP
bae-3263	191	8	available	available	ADJ
bae-3263	191	9	technology	technology	NOUN
bae-3263	191	10	and	and	CCONJ
bae-3263	191	11	improve	improve	VERB
bae-3263	191	12	their	their	PRON
bae-3263	191	13	service	service	NOUN
bae-3263	191	14	delivery	delivery	NOUN
bae-3263	191	15	for	for	ADP
bae-3263	191	16	better	well	ADJ
bae-3263	191	17	efficiency	efficiency	NOUN
bae-3263	191	18	and	and	CCONJ
bae-3263	191	19	profitability	profitability	NOUN
bae-3263	191	20	.	.	PUNCT
bae-3263	192	1	overall	overall	ADV
bae-3263	192	2	,	,	PUNCT
bae-3263	192	3	the	the	DET
bae-3263	192	4	mfbs	mfbs	NOUN
bae-3263	192	5	had	have	AUX
bae-3263	192	6	alternating	alternate	VERB
bae-3263	192	7	advancements	advancement	NOUN
bae-3263	192	8	and	and	CCONJ
bae-3263	192	9	deteriorations	deterioration	NOUN
bae-3263	192	10	across	across	ADP
bae-3263	192	11	all	all	DET
bae-3263	192	12	forms	form	NOUN
bae-3263	192	13	of	of	ADP
bae-3263	192	14	the	the	DET
bae-3263	192	15	constituents	constituent	NOUN
bae-3263	192	16	of	of	ADP
bae-3263	192	17	their	their	PRON
bae-3263	192	18	total	total	ADJ
bae-3263	192	19	factor	factor	NOUN
bae-3263	192	20	productivity	productivity	NOUN
bae-3263	192	21	changes	change	NOUN
bae-3263	192	22	but	but	CCONJ
bae-3263	192	23	had	have	VERB
bae-3263	192	24	the	the	DET
bae-3263	192	25	best	good	ADJ
bae-3263	192	26	trend	trend	NOUN
bae-3263	192	27	in	in	ADP
bae-3263	192	28	their	their	PRON
bae-3263	192	29	scale	scale	NOUN
bae-3263	192	30	efficiency	efficiency	NOUN
bae-3263	192	31	changes	change	NOUN
bae-3263	192	32	over	over	ADP
bae-3263	192	33	the	the	DET
bae-3263	192	34	period	period	NOUN
bae-3263	192	35	.	.	PUNCT
bae-3263	193	1	mfbs	mfbs	PROPN
bae-3263	193	2	are	be	AUX
bae-3263	193	3	advised	advise	VERB
bae-3263	193	4	to	to	PART
bae-3263	193	5	pay	pay	VERB
bae-3263	193	6	attention	attention	NOUN
bae-3263	193	7	to	to	ADP
bae-3263	193	8	each	each	DET
bae-3263	193	9	constituent	constituent	NOUN
bae-3263	193	10	of	of	ADP
bae-3263	193	11	their	their	PRON
bae-3263	193	12	total	total	ADJ
bae-3263	193	13	factor	factor	NOUN
bae-3263	193	14	productivity	productivity	NOUN
bae-3263	193	15	as	as	ADP
bae-3263	193	16	advancements	advancement	NOUN
bae-3263	193	17	in	in	ADP
bae-3263	193	18	some	some	DET
bae-3263	193	19	areas	area	NOUN
bae-3263	193	20	and	and	CCONJ
bae-3263	193	21	deterioration	deterioration	NOUN
bae-3263	193	22	in	in	ADP
bae-3263	193	23	other	other	ADJ
bae-3263	193	24	areas	area	NOUN
bae-3263	193	25	will	will	AUX
bae-3263	193	26	continue	continue	VERB
bae-3263	193	27	to	to	PART
bae-3263	193	28	hamper	hamper	VERB
bae-3263	193	29	advancements	advancement	NOUN
bae-3263	193	30	in	in	ADP
bae-3263	193	31	their	their	PRON
bae-3263	193	32	overall	overall	ADJ
bae-3263	193	33	tfp	tfp	PROPN
bae-3263	193	34	.	.	PUNCT
bae-3263	194	1	282	282	NUM
bae-3263	194	2	m.a	m.a	PROPN
bae-3263	194	3	.	.	PROPN
bae-3263	194	4	olasupo	olasupo	PROPN
bae-3263	194	5	,	,	PUNCT
bae-3263	194	6	c.a	c.a	PROPN
bae-3263	194	7	.	.	PROPN
bae-3263	194	8	afolami	afolami	PROPN
bae-3263	194	9	,	,	PUNCT
bae-3263	194	10	a.m.	a.m.	PROPN
bae-3263	194	11	shittu	shittu	PROPN
bae-3263	194	12	,	,	PUNCT
bae-3263	194	13	a.a.a	a.a.a	PROPN
bae-3263	194	14	.	.	PUNCT
bae-3263	194	15	agboola	agboola	PROPN
bae-3263	195	1	5	5	NUM
bae-3263	195	2	.	.	X
bae-3263	195	3	recommendation	recommendation	VERB
bae-3263	195	4	the	the	DET
bae-3263	195	5	study	study	NOUN
bae-3263	195	6	depicted	depict	VERB
bae-3263	195	7	the	the	DET
bae-3263	195	8	nigerian	nigerian	ADJ
bae-3263	195	9	microfinance	microfinance	NOUN
bae-3263	195	10	sub	sub	NOUN
bae-3263	195	11	-	-	NOUN
bae-3263	195	12	sector	sector	NOUN
bae-3263	195	13	as	as	ADP
bae-3263	195	14	an	an	DET
bae-3263	195	15	emerging	emerge	VERB
bae-3263	195	16	one	one	NOUN
bae-3263	195	17	with	with	ADP
bae-3263	195	18	huge	huge	ADJ
bae-3263	195	19	potentials	potential	NOUN
bae-3263	195	20	to	to	PART
bae-3263	195	21	achieve	achieve	VERB
bae-3263	195	22	its	its	PRON
bae-3263	195	23	desired	desire	VERB
bae-3263	195	24	goals	goal	NOUN
bae-3263	195	25	and	and	CCONJ
bae-3263	195	26	objectives	objective	NOUN
bae-3263	195	27	as	as	ADP
bae-3263	195	28	an	an	DET
bae-3263	195	29	engine	engine	NOUN
bae-3263	195	30	for	for	ADP
bae-3263	195	31	sustainable	sustainable	ADJ
bae-3263	195	32	economic	economic	ADJ
bae-3263	195	33	growth	growth	NOUN
bae-3263	195	34	and	and	CCONJ
bae-3263	195	35	development	development	NOUN
bae-3263	195	36	.	.	PUNCT
bae-3263	196	1	based	base	VERB
bae-3263	196	2	on	on	ADP
bae-3263	196	3	the	the	DET
bae-3263	196	4	findings	finding	NOUN
bae-3263	196	5	of	of	ADP
bae-3263	196	6	this	this	DET
bae-3263	196	7	study	study	NOUN
bae-3263	196	8	,	,	PUNCT
bae-3263	196	9	the	the	DET
bae-3263	196	10	following	follow	VERB
bae-3263	196	11	recommendations	recommendation	NOUN
bae-3263	196	12	were	be	AUX
bae-3263	196	13	made	make	VERB
bae-3263	196	14	:	:	PUNCT
bae-3263	197	1	1	1	X
bae-3263	197	2	.	.	PUNCT
bae-3263	197	3	the	the	DET
bae-3263	197	4	high	high	ADJ
bae-3263	197	5	mean	mean	NOUN
bae-3263	197	6	par	par	NOUN
bae-3263	197	7	ratio	ratio	NOUN
bae-3263	197	8	of	of	ADP
bae-3263	197	9	18	18	NUM
bae-3263	197	10	%	%	NOUN
bae-3263	197	11	found	find	VERB
bae-3263	197	12	in	in	ADP
bae-3263	197	13	the	the	DET
bae-3263	197	14	study	study	NOUN
bae-3263	197	15	for	for	ADP
bae-3263	197	16	the	the	DET
bae-3263	197	17	sampled	sample	VERB
bae-3263	197	18	mfbs	mfbs	NOUN
bae-3263	197	19	portends	portend	VERB
bae-3263	197	20	great	great	ADJ
bae-3263	197	21	danger	danger	NOUN
bae-3263	197	22	for	for	ADP
bae-3263	197	23	the	the	DET
bae-3263	197	24	sub	sub	NOUN
bae-3263	197	25	-	-	NOUN
bae-3263	197	26	sector	sector	NOUN
bae-3263	197	27	.	.	PUNCT
bae-3263	198	1	the	the	DET
bae-3263	198	2	cbn	cbn	PROPN
bae-3263	198	3	should	should	AUX
bae-3263	198	4	establish	establish	VERB
bae-3263	198	5	a	a	DET
bae-3263	198	6	credit	credit	NOUN
bae-3263	198	7	bureau	bureau	NOUN
bae-3263	198	8	for	for	ADP
bae-3263	198	9	mfbs	mfbs	NOUN
bae-3263	198	10	.	.	PUNCT
bae-3263	199	1	this	this	PRON
bae-3263	199	2	will	will	AUX
bae-3263	199	3	aid	aid	VERB
bae-3263	199	4	mfbs	mfbs	PROPN
bae-3263	199	5	effort	effort	NOUN
bae-3263	199	6	in	in	ADP
bae-3263	199	7	loan	loan	NOUN
bae-3263	199	8	tracking	tracking	NOUN
bae-3263	199	9	and	and	CCONJ
bae-3263	199	10	handling	handling	NOUN
bae-3263	199	11	of	of	ADP
bae-3263	199	12	default	default	NOUN
bae-3263	199	13	cases	case	NOUN
bae-3263	199	14	towards	towards	ADP
bae-3263	199	15	reducing	reduce	VERB
bae-3263	199	16	their	their	PRON
bae-3263	199	17	high	high	ADJ
bae-3263	199	18	portfolio	portfolio	NOUN
bae-3263	199	19	at	at	ADP
bae-3263	199	20	risk	risk	NOUN
bae-3263	199	21	(	(	PUNCT
bae-3263	199	22	par	par	NOUN
bae-3263	199	23	)	)	PUNCT
bae-3263	199	24	.	.	PUNCT
bae-3263	200	1	regulatory	regulatory	ADJ
bae-3263	200	2	authorities	authority	NOUN
bae-3263	200	3	should	should	AUX
bae-3263	200	4	also	also	ADV
bae-3263	200	5	institute	institute	VERB
bae-3263	200	6	enforce	enforce	ADJ
bae-3263	200	7	-	-	PUNCT
bae-3263	200	8	able	able	ADJ
bae-3263	200	9	loan	loan	NOUN
bae-3263	200	10	recovery	recovery	NOUN
bae-3263	200	11	systems	system	NOUN
bae-3263	200	12	to	to	PART
bae-3263	200	13	mitigate	mitigate	VERB
bae-3263	200	14	against	against	ADP
bae-3263	200	15	cases	case	NOUN
bae-3263	200	16	of	of	ADP
bae-3263	200	17	deliberate	deliberate	ADJ
bae-3263	200	18	default	default	NOUN
bae-3263	200	19	.	.	PUNCT
bae-3263	201	1	2	2	X
bae-3263	201	2	.	.	X
bae-3263	201	3	the	the	DET
bae-3263	201	4	malmquist	malmquist	PROPN
bae-3263	201	5	productivity	productivity	NOUN
bae-3263	201	6	index	index	NOUN
bae-3263	201	7	showed	show	VERB
bae-3263	201	8	technological	technological	ADJ
bae-3263	201	9	decline	decline	NOUN
bae-3263	201	10	among	among	ADP
bae-3263	201	11	the	the	DET
bae-3263	201	12	sampled	sample	VERB
bae-3263	201	13	mfbs	mfbs	NOUN
bae-3263	201	14	over	over	ADP
bae-3263	201	15	the	the	DET
bae-3263	201	16	study	study	NOUN
bae-3263	201	17	period	period	NOUN
bae-3263	201	18	.	.	PUNCT
bae-3263	202	1	mfbs	mfbs	PROPN
bae-3263	202	2	should	should	AUX
bae-3263	202	3	invest	invest	VERB
bae-3263	202	4	in	in	ADP
bae-3263	202	5	technology	technology	NOUN
bae-3263	202	6	by	by	ADP
bae-3263	202	7	leveraging	leverage	VERB
bae-3263	202	8	on	on	ADP
bae-3263	202	9	available	available	ADJ
bae-3263	202	10	business	business	NOUN
bae-3263	202	11	solution	solution	NOUN
bae-3263	202	12	applications	application	NOUN
bae-3263	202	13	and	and	CCONJ
bae-3263	202	14	also	also	ADV
bae-3263	202	15	invest	invest	VERB
bae-3263	202	16	in	in	ADP
bae-3263	202	17	research	research	NOUN
bae-3263	202	18	and	and	CCONJ
bae-3263	202	19	development	development	NOUN
bae-3263	202	20	.	.	PUNCT
bae-3263	203	1	efficient	efficient	ADJ
bae-3263	203	2	use	use	NOUN
bae-3263	203	3	of	of	ADP
bae-3263	203	4	it	it	PRON
bae-3263	203	5	will	will	AUX
bae-3263	203	6	aid	aid	VERB
bae-3263	203	7	their	their	PRON
bae-3263	203	8	customer	customer	NOUN
bae-3263	203	9	profiling	profiling	NOUN
bae-3263	203	10	,	,	PUNCT
bae-3263	203	11	loan	loan	NOUN
bae-3263	203	12	monitoring	monitoring	NOUN
bae-3263	203	13	and	and	CCONJ
bae-3263	203	14	recovery	recovery	NOUN
bae-3263	203	15	and	and	CCONJ
bae-3263	203	16	ultimately	ultimately	ADV
bae-3263	203	17	help	help	VERB
bae-3263	203	18	reduce	reduce	VERB
bae-3263	203	19	their	their	PRON
bae-3263	203	20	par	par	NOUN
bae-3263	203	21	.	.	PUNCT
bae-3263	204	1	3	3	X
bae-3263	204	2	.	.	X
bae-3263	204	3	mfbs	mfbs	PROPN
bae-3263	204	4	are	be	AUX
bae-3263	204	5	critical	critical	ADJ
bae-3263	204	6	to	to	ADP
bae-3263	204	7	the	the	DET
bae-3263	204	8	success	success	NOUN
bae-3263	204	9	of	of	ADP
bae-3263	204	10	the	the	DET
bae-3263	204	11	financial	financial	ADJ
bae-3263	204	12	inclusion	inclusion	NOUN
bae-3263	204	13	policy	policy	NOUN
bae-3263	204	14	of	of	ADP
bae-3263	204	15	the	the	DET
bae-3263	204	16	cbn	cbn	PROPN
bae-3263	204	17	as	as	SCONJ
bae-3263	204	18	they	they	PRON
bae-3263	204	19	are	be	AUX
bae-3263	204	20	closer	close	ADJ
bae-3263	204	21	to	to	ADP
bae-3263	204	22	the	the	DET
bae-3263	204	23	financially	financially	ADV
bae-3263	204	24	excluded	exclude	VERB
bae-3263	204	25	populace	populace	NOUN
bae-3263	204	26	.	.	PUNCT
bae-3263	205	1	the	the	DET
bae-3263	205	2	central	central	ADJ
bae-3263	205	3	bank	bank	PROPN
bae-3263	205	4	of	of	ADP
bae-3263	205	5	nigeria	nigeria	PROPN
bae-3263	205	6	(	(	PUNCT
bae-3263	205	7	cbn	cbn	PROPN
bae-3263	205	8	)	)	PUNCT
bae-3263	205	9	should	should	AUX
bae-3263	205	10	invest	invest	VERB
bae-3263	205	11	in	in	ADP
bae-3263	205	12	the	the	DET
bae-3263	205	13	development	development	NOUN
bae-3263	205	14	of	of	ADP
bae-3263	205	15	robust	robust	ADJ
bae-3263	205	16	operational	operational	ADJ
bae-3263	205	17	softwares	software	NOUN
bae-3263	205	18	for	for	ADP
bae-3263	205	19	the	the	DET
bae-3263	205	20	management	management	NOUN
bae-3263	205	21	information	information	NOUN
bae-3263	205	22	system	system	NOUN
bae-3263	205	23	(	(	PUNCT
bae-3263	205	24	mis	mis	NOUN
bae-3263	205	25	)	)	PUNCT
bae-3263	205	26	and	and	CCONJ
bae-3263	205	27	operational	operational	ADJ
bae-3263	205	28	efficiency	efficiency	NOUN
bae-3263	205	29	of	of	ADP
bae-3263	205	30	mfbs	mfbs	NOUN
bae-3263	205	31	.	.	PUNCT
bae-3263	206	1	subsidizing	subsidize	VERB
bae-3263	206	2	the	the	DET
bae-3263	206	3	cost	cost	NOUN
bae-3263	206	4	of	of	ADP
bae-3263	206	5	acquisition	acquisition	NOUN
bae-3263	206	6	to	to	ADP
bae-3263	206	7	the	the	DET
bae-3263	206	8	mfbs	mfbs	NOUN
bae-3263	206	9	will	will	AUX
bae-3263	206	10	encourage	encourage	VERB
bae-3263	206	11	them	they	PRON
bae-3263	206	12	to	to	PART
bae-3263	206	13	adopt	adopt	VERB
bae-3263	206	14	the	the	DET
bae-3263	206	15	use	use	NOUN
bae-3263	206	16	of	of	ADP
bae-3263	206	17	information	information	NOUN
bae-3263	206	18	technology	technology	NOUN
bae-3263	206	19	in	in	ADP
bae-3263	206	20	their	their	PRON
bae-3263	206	21	operations	operation	NOUN
bae-3263	206	22	as	as	ADP
bae-3263	206	23	cost	cost	NOUN
bae-3263	206	24	of	of	ADP
bae-3263	206	25	acquisition	acquisition	NOUN
bae-3263	206	26	could	could	AUX
bae-3263	206	27	deter	deter	VERB
bae-3263	206	28	them	they	PRON
bae-3263	206	29	from	from	ADP
bae-3263	206	30	leveraging	leverage	VERB
bae-3263	206	31	on	on	ADP
bae-3263	206	32	relevant	relevant	ADJ
bae-3263	206	33	technological	technological	ADJ
bae-3263	206	34	innovations	innovation	NOUN
bae-3263	206	35	.	.	PUNCT
bae-3263	207	1	references	reference	NOUN
bae-3263	207	2	banker	banker	NOUN
bae-3263	207	3	,	,	PUNCT
bae-3263	207	4	r.d	r.d	PROPN
bae-3263	207	5	.	.	PROPN
bae-3263	207	6	,	,	PUNCT
bae-3263	207	7	charnes	charne	NOUN
bae-3263	207	8	,	,	PUNCT
bae-3263	207	9	a.	a.	NOUN
bae-3263	207	10	,	,	PUNCT
bae-3263	207	11	cooper	cooper	PROPN
bae-3263	207	12	,	,	PUNCT
bae-3263	207	13	w.w	w.w	PROPN
bae-3263	207	14	.	.	PROPN
bae-3263	207	15	(	(	PUNCT
bae-3263	207	16	1984	1984	NUM
bae-3263	207	17	)	)	PUNCT
bae-3263	207	18	.	.	PUNCT
bae-3263	208	1	some	some	DET
bae-3263	208	2	models	model	NOUN
bae-3263	208	3	for	for	ADP
bae-3263	208	4	estimating	estimate	VERB
bae-3263	208	5	technical	technical	ADJ
bae-3263	208	6	and	and	CCONJ
bae-3263	208	7	scale	scale	NOUN
bae-3263	208	8	inefficiencies	inefficiency	NOUN
bae-3263	208	9	in	in	ADP
bae-3263	208	10	data	datum	NOUN
bae-3263	208	11	envelopment	envelopment	ADJ
bae-3263	208	12	analysis	analysis	NOUN
bae-3263	208	13	.	.	PUNCT
bae-3263	209	1	management	management	NOUN
bae-3263	209	2	science	science	NOUN
bae-3263	209	3	30(9	30(9	NUM
bae-3263	209	4	):	):	PUNCT
bae-3263	209	5	1078	1078	NUM
bae-3263	209	6	-	-	SYM
bae-3263	209	7	1092	1092	NUM
bae-3263	209	8	.	.	PUNCT
bae-3263	210	1	brau	brau	PROPN
bae-3263	210	2	,	,	PUNCT
bae-3263	210	3	j.c	j.c	PROPN
bae-3263	210	4	.	.	PROPN
bae-3263	210	5	&	&	CCONJ
bae-3263	210	6	woller	woller	PROPN
bae-3263	210	7	,	,	PUNCT
bae-3263	210	8	g.m	g.m	PROPN
bae-3263	210	9	.	.	PROPN
bae-3263	210	10	(	(	PUNCT
bae-3263	210	11	2004	2004	NUM
bae-3263	210	12	):	):	PUNCT
bae-3263	210	13	microfinance	microfinance	NOUN
bae-3263	210	14	:	:	PUNCT
bae-3263	210	15	a	a	DET
bae-3263	210	16	comprehensive	comprehensive	ADJ
bae-3263	210	17	review	review	NOUN
bae-3263	210	18	of	of	ADP
bae-3263	210	19	the	the	DET
bae-3263	210	20	existing	exist	VERB
bae-3263	210	21	literature	literature	NOUN
bae-3263	210	22	.	.	PUNCT
bae-3263	211	1	journal	journal	PROPN
bae-3263	211	2	of	of	ADP
bae-3263	211	3	entrepreneurial	entrepreneurial	ADJ
bae-3263	211	4	finance	finance	NOUN
bae-3263	211	5	and	and	CCONJ
bae-3263	211	6	business	business	NOUN
bae-3263	211	7	ventures	venture	NOUN
bae-3263	211	8	9	9	NUM
bae-3263	211	9	:	:	SYM
bae-3263	211	10	1	1	NUM
bae-3263	211	11	-	-	SYM
bae-3263	211	12	26	26	NUM
bae-3263	211	13	.	.	PUNCT
bae-3263	212	1	central	central	ADJ
bae-3263	212	2	bank	bank	PROPN
bae-3263	212	3	of	of	ADP
bae-3263	212	4	nigeria	nigeria	PROPN
bae-3263	212	5	(	(	PUNCT
bae-3263	212	6	2005	2005	NUM
bae-3263	212	7	):	):	PUNCT
bae-3263	212	8	micro	micro	NOUN
bae-3263	212	9	finance	finance	NOUN
bae-3263	212	10	policy	policy	NOUN
bae-3263	212	11	,	,	PUNCT
bae-3263	212	12	regulatory	regulatory	ADJ
bae-3263	212	13	and	and	CCONJ
bae-3263	212	14	supervisory	supervisory	ADJ
bae-3263	212	15	framework	framework	NOUN
bae-3263	212	16	for	for	ADP
bae-3263	212	17	nigeria	nigeria	PROPN
bae-3263	212	18	.	.	PUNCT
bae-3263	213	1	central	central	PROPN
bae-3263	213	2	bank	bank	PROPN
bae-3263	213	3	of	of	ADP
bae-3263	213	4	nigeria	nigeria	PROPN
bae-3263	213	5	(	(	PUNCT
bae-3263	213	6	2012	2012	NUM
bae-3263	213	7	):	):	PUNCT
bae-3263	213	8	statistical	statistical	ADJ
bae-3263	213	9	bulletin	bulletin	NOUN
bae-3263	213	10	.	.	PUNCT
bae-3263	214	1	charnes	charne	NOUN
bae-3263	214	2	,	,	PUNCT
bae-3263	214	3	a.	a.	PROPN
bae-3263	214	4	,	,	PUNCT
bae-3263	214	5	cooper	cooper	PROPN
bae-3263	214	6	,	,	PUNCT
bae-3263	214	7	w.	w.	PROPN
bae-3263	214	8	,	,	PUNCT
bae-3263	214	9	rhodes	rhodes	PROPN
bae-3263	214	10	,	,	PUNCT
bae-3263	214	11	e.	e.	PROPN
bae-3263	214	12	(	(	PUNCT
bae-3263	214	13	1978	1978	NUM
bae-3263	214	14	)	)	PUNCT
bae-3263	214	15	.	.	PUNCT
bae-3263	215	1	measuring	measure	VERB
bae-3263	215	2	the	the	DET
bae-3263	215	3	efficiency	efficiency	NOUN
bae-3263	215	4	of	of	ADP
bae-3263	215	5	decision	decision	NOUN
bae-3263	215	6	making	make	VERB
bae-3263	215	7	units	unit	NOUN
bae-3263	215	8	.	.	PUNCT
bae-3263	216	1	european	european	PROPN
bae-3263	216	2	journal	journal	PROPN
bae-3263	216	3	of	of	ADP
bae-3263	216	4	operation	operation	NOUN
bae-3263	216	5	research	research	PROPN
bae-3263	216	6	2(6	2(6	NUM
bae-3263	216	7	):	):	PUNCT
bae-3263	216	8	429	429	NUM
bae-3263	216	9	-	-	SYM
bae-3263	216	10	444	444	NUM
bae-3263	216	11	.	.	PUNCT
bae-3263	217	1	coelli	coelli	PROPN
bae-3263	217	2	,	,	PUNCT
bae-3263	217	3	t.j	t.j	PROPN
bae-3263	217	4	.	.	PROPN
bae-3263	217	5	,	,	PUNCT
bae-3263	217	6	prasada	prasada	PROPN
bae-3263	217	7	rao	rao	PROPN
bae-3263	217	8	,	,	PUNCT
bae-3263	217	9	d.s	d.s	PROPN
bae-3263	217	10	.	.	PROPN
bae-3263	217	11	,	,	PUNCT
bae-3263	217	12	o’donell	o’donell	PROPN
bae-3263	217	13	,	,	PUNCT
bae-3263	217	14	c.j	c.j	PROPN
bae-3263	217	15	.	.	PROPN
bae-3263	217	16	,	,	PUNCT
bae-3263	217	17	and	and	CCONJ
bae-3263	217	18	battese	battese	PROPN
bae-3263	217	19	,	,	PUNCT
bae-3263	217	20	g.e	g.e	PROPN
bae-3263	217	21	.	.	PROPN
bae-3263	217	22	(	(	PUNCT
bae-3263	217	23	2005	2005	NUM
bae-3263	217	24	)	)	PUNCT
bae-3263	217	25	.	.	PUNCT
bae-3263	218	1	an	an	DET
bae-3263	218	2	introduction	introduction	NOUN
bae-3263	218	3	to	to	ADP
bae-3263	218	4	efficiency	efficiency	NOUN
bae-3263	218	5	and	and	CCONJ
bae-3263	218	6	productivity	productivity	NOUN
bae-3263	218	7	analysis	analysis	NOUN
bae-3263	218	8	.	.	PUNCT
bae-3263	219	1	second	second	ADJ
bae-3263	219	2	edition	edition	NOUN
bae-3263	219	3	.	.	PUNCT
bae-3263	220	1	springler	springler	NOUN
bae-3263	220	2	science	science	NOUN
bae-3263	220	3	+	+	CCONJ
bae-3263	220	4	business	business	NOUN
bae-3263	220	5	media	medium	NOUN
bae-3263	220	6	,	,	PUNCT
bae-3263	220	7	llc	llc	PROPN
bae-3263	220	8	,	,	PUNCT
bae-3263	220	9	233	233	NUM
bae-3263	220	10	spring	spring	NOUN
bae-3263	220	11	street	street	NOUN
bae-3263	220	12	,	,	PUNCT
bae-3263	220	13	new	new	PROPN
bae-3263	220	14	york	york	PROPN
bae-3263	220	15	,	,	PUNCT
bae-3263	220	16	ny	ny	PROPN
bae-3263	220	17	10013	10013	NUM
bae-3263	220	18	,	,	PUNCT
bae-3263	220	19	usa	usa	PROPN
bae-3263	220	20	.	.	PROPN
bae-3263	220	21	dzene	dzene	PROPN
bae-3263	220	22	,	,	PUNCT
bae-3263	220	23	r.	r.	PROPN
bae-3263	220	24	,	,	PUNCT
bae-3263	220	25	and	and	CCONJ
bae-3263	220	26	asiedu	asiedu	PROPN
bae-3263	220	27	,	,	PUNCT
bae-3263	220	28	k.f	k.f	PROPN
bae-3263	220	29	.	.	PROPN
bae-3263	220	30	(	(	PUNCT
bae-3263	220	31	2010	2010	NUM
bae-3263	220	32	)	)	PUNCT
bae-3263	220	33	.	.	PUNCT
bae-3263	221	1	gender	gender	NOUN
bae-3263	221	2	composition	composition	NOUN
bae-3263	221	3	,	,	PUNCT
bae-3263	221	4	competition	competition	NOUN
bae-3263	221	5	and	and	CCONJ
bae-3263	221	6	sustainability	sustainability	NOUN
bae-3263	221	7	of	of	ADP
bae-3263	221	8	microfinance	microfinance	NOUN
bae-3263	221	9	in	in	ADP
bae-3263	221	10	africa	africa	PROPN
bae-3263	221	11	:	:	PUNCT
bae-3263	221	12	evidence	evidence	NOUN
bae-3263	221	13	from	from	ADP
bae-3263	221	14	ghana	ghana	PROPN
bae-3263	221	15	’s	’s	PART
bae-3263	221	16	microfinance	microfinance	NOUN
bae-3263	221	17	industry	industry	NOUN
bae-3263	221	18	.	.	PUNCT
bae-3263	222	1	accessed	access	VERB
bae-3263	222	2	from	from	ADP
bae-3263	222	3	http://www.csae.ox.ac.uk/.../175-dzene	http://www.csae.ox.ac.uk/.../175-dzene	PROPN
bae-3263	222	4	.	.	PUNCT
bae-3263	223	1	färe	färe	PROPN
bae-3263	223	2	,	,	PUNCT
bae-3263	223	3	r.	r.	PROPN
bae-3263	223	4	,	,	PUNCT
bae-3263	223	5	grosskopf	grosskopf	NOUN
bae-3263	223	6	g.	g.	PROPN
bae-3263	223	7	,	,	PUNCT
bae-3263	223	8	lindgren	lindgren	PROPN
bae-3263	223	9	b.	b.	PROPN
bae-3263	223	10	,	,	PUNCT
bae-3263	223	11	zhang	zhang	PROPN
bae-3263	223	12	z.	z.	PROPN
bae-3263	223	13	(	(	PUNCT
bae-3263	223	14	1994	1994	NUM
bae-3263	223	15	)	)	PUNCT
bae-3263	223	16	.	.	PUNCT
bae-3263	224	1	productivity	productivity	NOUN
bae-3263	224	2	growth	growth	NOUN
bae-3263	224	3	and	and	CCONJ
bae-3263	224	4	technical	technical	ADJ
bae-3263	224	5	efficiency	efficiency	NOUN
bae-3263	224	6	change	change	NOUN
bae-3263	224	7	in	in	ADP
bae-3263	224	8	industrial	industrial	ADJ
bae-3263	224	9	countries	country	NOUN
bae-3263	224	10	.	.	PUNCT
bae-3263	225	1	american	american	PROPN
bae-3263	225	2	economic	economic	PROPN
bae-3263	225	3	review	review	NOUN
bae-3263	225	4	84(1):66	84(1):66	NUM
bae-3263	225	5	-	-	PUNCT
bae-3263	225	6	83	83	NUM
bae-3263	225	7	.	.	PUNCT
bae-3263	226	1	frank	frank	PROPN
bae-3263	226	2	,	,	PUNCT
bae-3263	226	3	h.	h.	PROPN
bae-3263	226	4	robert	robert	PROPN
bae-3263	226	5	(	(	PUNCT
bae-3263	226	6	2008	2008	NUM
bae-3263	226	7	)	)	PUNCT
bae-3263	226	8	.	.	PUNCT
bae-3263	227	1	microeconomics	microeconomics	PROPN
bae-3263	227	2	and	and	CCONJ
bae-3263	227	3	behaviour	behaviour	NOUN
bae-3263	227	4	,	,	PUNCT
bae-3263	227	5	seventh	seventh	PROPN
bae-3263	227	6	edition	edition	PROPN
bae-3263	227	7	.	.	PUNCT
bae-3263	228	1	mcgraw	mcgraw	PROPN
bae-3263	228	2	-	-	PUNCT
bae-3263	228	3	hill	hill	PROPN
bae-3263	228	4	international	international	PROPN
bae-3263	228	5	edition	edition	NOUN
bae-3263	228	6	.	.	PUNCT
bae-3263	229	1	283performance	283performance	PROPN
bae-3263	229	2	and	and	CCONJ
bae-3263	229	3	productivity	productivity	NOUN
bae-3263	229	4	changes	change	NOUN
bae-3263	229	5	frankiewicz	frankiewicz	VERB
bae-3263	229	6	,	,	PUNCT
bae-3263	229	7	c.	c.	PROPN
bae-3263	229	8	(	(	PUNCT
bae-3263	229	9	2003	2003	NUM
bae-3263	229	10	)	)	PUNCT
bae-3263	229	11	.	.	PUNCT
bae-3263	230	1	information	information	NOUN
bae-3263	230	2	technology	technology	NOUN
bae-3263	230	3	as	as	ADP
bae-3263	230	4	a	a	DET
bae-3263	230	5	strategic	strategic	ADJ
bae-3263	230	6	tool	tool	NOUN
bae-3263	230	7	for	for	ADP
bae-3263	230	8	microfinance	microfinance	NOUN
bae-3263	230	9	in	in	ADP
bae-3263	230	10	africa	africa	PROPN
bae-3263	230	11	.	.	PUNCT
bae-3263	231	1	seminar	seminar	NOUN
bae-3263	231	2	report	report	NOUN
bae-3263	231	3	by	by	ADP
bae-3263	231	4	africap	africap	NOUN
bae-3263	231	5	.	.	PUNCT
bae-3263	232	1	grifell	grifell	ADJ
bae-3263	232	2	-	-	PUNCT
bae-3263	232	3	tatjé	tatjé	NOUN
bae-3263	232	4	,	,	PUNCT
bae-3263	232	5	e.	e.	PROPN
bae-3263	232	6	,	,	PUNCT
bae-3263	232	7	lovell	lovell	PROPN
bae-3263	232	8	,	,	PUNCT
bae-3263	232	9	c.	c.	PROPN
bae-3263	232	10	a.	a.	PROPN
bae-3263	232	11	k.	k.	PROPN
bae-3263	232	12	(	(	PUNCT
bae-3263	232	13	1996	1996	NUM
bae-3263	232	14	)	)	PUNCT
bae-3263	232	15	.	.	PUNCT
bae-3263	233	1	deregulation	deregulation	NOUN
bae-3263	233	2	and	and	CCONJ
bae-3263	233	3	productivity	productivity	NOUN
bae-3263	233	4	decline	decline	NOUN
bae-3263	233	5	:	:	PUNCT
bae-3263	233	6	the	the	DET
bae-3263	233	7	case	case	NOUN
bae-3263	233	8	of	of	ADP
bae-3263	233	9	spanish	spanish	ADJ
bae-3263	233	10	saving	saving	NOUN
bae-3263	233	11	banks	bank	NOUN
bae-3263	233	12	.	.	PUNCT
bae-3263	234	1	european	european	ADJ
bae-3263	234	2	economic	economic	ADJ
bae-3263	234	3	review	review	NOUN
bae-3263	234	4	40	40	NUM
bae-3263	234	5	:	:	PUNCT
bae-3263	234	6	1281	1281	NUM
bae-3263	234	7	-	-	SYM
bae-3263	234	8	1303	1303	NUM
bae-3263	234	9	.	.	PUNCT
bae-3263	235	1	kruijff	kruijff	PROPN
bae-3263	235	2	david	david	PROPN
bae-3263	235	3	and	and	CCONJ
bae-3263	235	4	hartenstein	hartenstein	PROPN
bae-3263	235	5	stephan	stephan	PROPN
bae-3263	235	6	(	(	PUNCT
bae-3263	235	7	2013	2013	NUM
bae-3263	235	8	)	)	PUNCT
bae-3263	235	9	.	.	PUNCT
bae-3263	236	1	microfiannce	microfiannce	NOUN
bae-3263	236	2	and	and	CCONJ
bae-3263	236	3	the	the	DET
bae-3263	236	4	global	global	ADJ
bae-3263	236	5	financial	financial	ADJ
bae-3263	236	6	crisi	crisi	PROPN
bae-3263	236	7	:	:	PUNCT
bae-3263	236	8	a	a	DET
bae-3263	236	9	call	call	NOUN
bae-3263	236	10	for	for	ADP
bae-3263	236	11	basel	basel	PROPN
bae-3263	236	12	.	.	PUNCT
bae-3263	237	1	international	international	ADJ
bae-3263	237	2	finance	finance	NOUN
bae-3263	237	3	corporation	corporation	NOUN
bae-3263	237	4	.	.	PUNCT
bae-3263	238	1	kulik	kulik	PROPN
bae-3263	238	2	,	,	PUNCT
bae-3263	238	3	n.	n.	NOUN
bae-3263	238	4	,	,	PUNCT
bae-3263	238	5	and	and	CCONJ
bae-3263	238	6	molinari	molinari	PROPN
bae-3263	238	7	,	,	PUNCT
bae-3263	238	8	p.	p.	NOUN
bae-3263	238	9	(	(	PUNCT
bae-3263	238	10	2004	2004	NUM
bae-3263	238	11	)	)	PUNCT
bae-3263	238	12	.	.	PUNCT
bae-3263	239	1	sustainable	sustainable	ADJ
bae-3263	239	2	microfinance	microfinance	NOUN
bae-3263	239	3	and	and	CCONJ
bae-3263	239	4	technology	technology	NOUN
bae-3263	239	5	.	.	PUNCT
bae-3263	240	1	ford	ford	PROPN
bae-3263	240	2	motor	motor	PROPN
bae-3263	240	3	company	company	NOUN
bae-3263	240	4	fellowship	fellowship	NOUN
bae-3263	240	5	.	.	PUNCT
bae-3263	241	1	lafourcade	lafourcade	PROPN
bae-3263	241	2	,	,	PUNCT
bae-3263	241	3	a.	a.	PROPN
bae-3263	241	4	,	,	PUNCT
bae-3263	241	5	isern	isern	PROPN
bae-3263	241	6	,	,	PUNCT
bae-3263	241	7	j.	j.	PROPN
bae-3263	241	8	,	,	PUNCT
bae-3263	241	9	mwangi	mwangi	PROPN
bae-3263	241	10	,	,	PUNCT
bae-3263	241	11	p.	p.	PROPN
bae-3263	241	12	&	&	CCONJ
bae-3263	241	13	brown	brown	PROPN
bae-3263	241	14	,	,	PUNCT
bae-3263	241	15	m.(2005	m.(2005	PROPN
bae-3263	241	16	)	)	PUNCT
bae-3263	241	17	.	.	PUNCT
bae-3263	242	1	overview	overview	NOUN
bae-3263	242	2	of	of	ADP
bae-3263	242	3	the	the	DET
bae-3263	242	4	outreach	outreach	NOUN
bae-3263	242	5	and	and	CCONJ
bae-3263	242	6	financial	financial	ADJ
bae-3263	242	7	performance	performance	NOUN
bae-3263	242	8	of	of	ADP
bae-3263	242	9	microfinance	microfinance	NOUN
bae-3263	242	10	institutions	institution	NOUN
bae-3263	242	11	on	on	ADP
bae-3263	242	12	africa	africa	PROPN
bae-3263	242	13	.	.	PUNCT
bae-3263	243	1	www.mixmarket.org	www.mixmarket.org	PROPN
bae-3263	243	2	.	.	PUNCT
bae-3263	244	1	lovell	lovell	PROPN
bae-3263	244	2	,	,	PUNCT
bae-3263	244	3	c.a.k	c.a.k	PROPN
bae-3263	244	4	.	.	PUNCT
bae-3263	244	5	(	(	PUNCT
bae-3263	244	6	1996	1996	NUM
bae-3263	244	7	)	)	PUNCT
bae-3263	244	8	.	.	PUNCT
bae-3263	245	1	applying	apply	VERB
bae-3263	245	2	efficiency	efficiency	NOUN
bae-3263	245	3	measurement	measurement	NOUN
bae-3263	245	4	techniques	technique	NOUN
bae-3263	245	5	to	to	ADP
bae-3263	245	6	the	the	DET
bae-3263	245	7	measurement	measurement	NOUN
bae-3263	245	8	of	of	ADP
bae-3263	245	9	productivity	productivity	NOUN
bae-3263	245	10	change	change	NOUN
bae-3263	245	11	.	.	PUNCT
bae-3263	246	1	journal	journal	NOUN
bae-3263	246	2	of	of	ADP
bae-3263	246	3	productivity	productivity	NOUN
bae-3263	246	4	analysis	analysis	NOUN
bae-3263	246	5	7(2	7(2	NOUN
bae-3263	246	6	-	-	SYM
bae-3263	246	7	3	3	NUM
bae-3263	246	8	):	):	PUNCT
bae-3263	246	9	329	329	NUM
bae-3263	246	10	-	-	SYM
bae-3263	246	11	340	340	NUM
bae-3263	246	12	.	.	PUNCT
bae-3263	247	1	martinez	martinez	PROPN
bae-3263	247	2	-	-	PUNCT
bae-3263	247	3	gonzalez	gonzalez	PROPN
bae-3263	247	4	,	,	PUNCT
bae-3263	247	5	a.	a.	NOUN
bae-3263	247	6	(	(	PUNCT
bae-3263	247	7	2008	2008	NUM
bae-3263	247	8	)	)	PUNCT
bae-3263	247	9	.	.	PUNCT
bae-3263	248	1	technical	technical	ADJ
bae-3263	248	2	evidence	evidence	NOUN
bae-3263	248	3	of	of	ADP
bae-3263	248	4	microfinance	microfinance	NOUN
bae-3263	248	5	institutions	institution	NOUN
bae-3263	248	6	:	:	PUNCT
bae-3263	248	7	evidence	evidence	NOUN
bae-3263	248	8	from	from	ADP
bae-3263	248	9	mexico	mexico	PROPN
bae-3263	248	10	.	.	PUNCT
bae-3263	249	1	m.sc	m.sc	PROPN
bae-3263	249	2	thesis	thesis	NOUN
bae-3263	249	3	,	,	PUNCT
bae-3263	249	4	ohio	ohio	PROPN
bae-3263	249	5	state	state	PROPN
bae-3263	249	6	university	university	PROPN
bae-3263	249	7	.	.	PUNCT
bae-3263	250	1	moya	moya	PROPN
bae-3263	250	2	musa	musa	PROPN
bae-3263	250	3	,	,	PUNCT
bae-3263	250	4	m.	m.	NOUN
bae-3263	250	5	,	,	PUNCT
bae-3263	250	6	akodo	akodo	PROPN
bae-3263	250	7	,	,	PUNCT
bae-3263	250	8	r.	r.	PROPN
bae-3263	250	9	,	,	PUNCT
bae-3263	250	10	mukooza	mukooza	NOUN
bae-3263	250	11	,	,	PUNCT
bae-3263	250	12	m.	m.	NOUN
bae-3263	250	13	,	,	PUNCT
bae-3263	250	14	kaliba	kaliba	PROPN
bae-3263	250	15	,	,	PUNCT
bae-3263	250	16	a.r	a.r	PROPN
bae-3263	250	17	.	.	PROPN
bae-3263	250	18	,	,	PUNCT
bae-3263	250	19	and	and	CCONJ
bae-3263	250	20	mbarika	mbarika	ADJ
bae-3263	250	21	,	,	PUNCT
bae-3263	250	22	v.w	v.w	PROPN
bae-3263	250	23	.	.	PROPN
bae-3263	250	24	(	(	PUNCT
bae-3263	250	25	2012	2012	NUM
bae-3263	250	26	):	):	PUNCT
bae-3263	250	27	impact	impact	NOUN
bae-3263	250	28	of	of	ADP
bae-3263	250	29	investment	investment	NOUN
bae-3263	250	30	in	in	ADP
bae-3263	250	31	information	information	NOUN
bae-3263	250	32	and	and	CCONJ
bae-3263	250	33	communication	communication	NOUN
bae-3263	250	34	technology	technology	NOUN
bae-3263	250	35	on	on	ADP
bae-3263	250	36	performance	performance	NOUN
bae-3263	250	37	and	and	CCONJ
bae-3263	250	38	growth	growth	NOUN
bae-3263	250	39	of	of	ADP
bae-3263	250	40	microfinance	microfinance	NOUN
bae-3263	250	41	institutions	institution	NOUN
bae-3263	250	42	in	in	ADP
bae-3263	250	43	uganda	uganda	PROPN
bae-3263	250	44	.	.	PUNCT
bae-3263	250	45	applied	apply	VERB
bae-3263	250	46	econometrics	econometric	NOUN
bae-3263	250	47	and	and	CCONJ
bae-3263	250	48	international	international	ADJ
bae-3263	250	49	development	development	NOUN
bae-3263	250	50	12(2	12(2	NUM
bae-3263	250	51	):	):	PUNCT
bae-3263	250	52	151	151	NUM
bae-3263	250	53	-	-	SYM
bae-3263	250	54	164	164	NUM
bae-3263	250	55	.	.	PUNCT
bae-3263	250	56	natilson	natilson	NOUN
bae-3263	250	57	,	,	PUNCT
bae-3263	250	58	n.	n.	NOUN
bae-3263	250	59	and	and	CCONJ
bae-3263	250	60	till	till	SCONJ
bae-3263	250	61	bruett	bruett	NOUN
bae-3263	250	62	(	(	PUNCT
bae-3263	250	63	2001	2001	NUM
bae-3263	250	64	)	)	PUNCT
bae-3263	250	65	.	.	PUNCT
bae-3263	251	1	financial	financial	ADJ
bae-3263	251	2	performance	performance	NOUN
bae-3263	251	3	monitoring	monitoring	NOUN
bae-3263	251	4	:	:	PUNCT
bae-3263	251	5	a	a	DET
bae-3263	251	6	guide	guide	NOUN
bae-3263	251	7	for	for	ADP
bae-3263	251	8	board	board	NOUN
bae-3263	251	9	members	member	NOUN
bae-3263	251	10	of	of	ADP
bae-3263	251	11	microfinance	microfinance	NOUN
bae-3263	251	12	institutions	institution	NOUN
bae-3263	251	13	.	.	PUNCT
bae-3263	252	1	microfinance	microfinance	NOUN
bae-3263	252	2	best	good	ADJ
bae-3263	252	3	practices	practice	NOUN
bae-3263	252	4	development	development	NOUN
bae-3263	252	5	alternatives	alternative	NOUN
bae-3263	252	6	,	,	PUNCT
bae-3263	252	7	inc	inc	PROPN
bae-3263	252	8	.	.	PROPN
bae-3263	252	9	oladejo	oladejo	PROPN
bae-3263	252	10	,	,	PUNCT
bae-3263	252	11	m.o	m.o	PROPN
bae-3263	252	12	.	.	PROPN
bae-3263	252	13	,	,	PUNCT
bae-3263	252	14	and	and	CCONJ
bae-3263	252	15	olowookere	olowookere	ADV
bae-3263	252	16	,	,	PUNCT
bae-3263	252	17	j.k	j.k	PROPN
bae-3263	252	18	.	.	PROPN
bae-3263	253	1	(	(	PUNCT
bae-3263	253	2	2011	2011	NUM
bae-3263	253	3	)	)	PUNCT
bae-3263	253	4	.	.	PUNCT
bae-3263	254	1	automation	automation	NOUN
bae-3263	254	2	of	of	ADP
bae-3263	254	3	microfinance	microfinance	NOUN
bae-3263	254	4	institutions	institution	NOUN
bae-3263	254	5	in	in	ADP
bae-3263	254	6	nigeria	nigeria	PROPN
bae-3263	254	7	:	:	PUNCT
bae-3263	254	8	implication	implication	NOUN
bae-3263	254	9	for	for	ADP
bae-3263	254	10	the	the	DET
bae-3263	254	11	accountants	accountant	NOUN
bae-3263	254	12	.	.	PUNCT
bae-3263	255	1	international	international	ADJ
bae-3263	255	2	journal	journal	PROPN
bae-3263	255	3	of	of	ADP
bae-3263	255	4	development	development	NOUN
bae-3263	255	5	and	and	CCONJ
bae-3263	255	6	management	management	NOUN
bae-3263	255	7	review	review	NOUN
bae-3263	255	8	6(1	6(1	NUM
bae-3263	255	9	)	)	PUNCT
bae-3263	255	10	.	.	PUNCT
bae-3263	256	1	rosenberg	rosenberg	PROPN
bae-3263	256	2	,	,	PUNCT
bae-3263	256	3	r.	r.	PROPN
bae-3263	256	4	(	(	PUNCT
bae-3263	256	5	2009	2009	NUM
bae-3263	256	6	)	)	PUNCT
bae-3263	256	7	.	.	PUNCT
bae-3263	257	1	measuring	measure	VERB
bae-3263	257	2	results	result	NOUN
bae-3263	257	3	of	of	ADP
bae-3263	257	4	microfinance	microfinance	NOUN
bae-3263	257	5	institutions	institution	NOUN
bae-3263	257	6	minimum	minimum	NOUN
bae-3263	257	7	:	:	PUNCT
bae-3263	257	8	indicators	indicator	NOUN
bae-3263	257	9	that	that	PRON
bae-3263	257	10	donor	donor	NOUN
bae-3263	257	11	and	and	CCONJ
bae-3263	257	12	investors	investor	NOUN
bae-3263	257	13	should	should	AUX
bae-3263	257	14	tracka	tracka	VERB
bae-3263	257	15	technical	technical	ADJ
bae-3263	257	16	guide	guide	NOUN
bae-3263	257	17	.	.	PUNCT
bae-3263	258	1	washington	washington	PROPN
bae-3263	258	2	,	,	PUNCT
bae-3263	258	3	dc	dc	PROPN
bae-3263	258	4	:	:	PUNCT
bae-3263	258	5	cgap	cgap	PROPN
bae-3263	258	6	.	.	PUNCT
bae-3263	259	1	shah	shah	PROPN
bae-3263	259	2	,	,	PUNCT
bae-3263	259	3	d.p	d.p	PROPN
bae-3263	259	4	.	.	PUNCT
bae-3263	259	5	(	(	PUNCT
bae-3263	259	6	1999	1999	NUM
bae-3263	259	7	)	)	PUNCT
bae-3263	259	8	.	.	PUNCT
bae-3263	260	1	adbn	adbn	NOUN
bae-3263	260	2	and	and	CCONJ
bae-3263	260	3	its	its	PRON
bae-3263	260	4	experience	experience	NOUN
bae-3263	260	5	in	in	ADP
bae-3263	260	6	rural	rural	ADJ
bae-3263	260	7	and	and	CCONJ
bae-3263	260	8	microfinance	microfinance	NOUN
bae-3263	260	9	attitude	attitude	NOUN
bae-3263	260	10	.	.	PUNCT
bae-3263	261	1	quarterly	quarterly	ADJ
bae-3263	261	2	development	development	NOUN
bae-3263	261	3	review	review	NOUN
bae-3263	261	4	xvi(20	xvi(20	PROPN
bae-3263	261	5	)	)	PUNCT
bae-3263	261	6	.	.	PUNCT
bae-3263	262	1	thapa	thapa	PROPN
bae-3263	262	2	,	,	PUNCT
bae-3263	262	3	g.	g.	PROPN
bae-3263	262	4	(	(	PUNCT
bae-3263	262	5	2007	2007	NUM
bae-3263	262	6	)	)	PUNCT
bae-3263	262	7	.	.	PUNCT
bae-3263	263	1	sustainability	sustainability	NOUN
bae-3263	263	2	and	and	CCONJ
bae-3263	263	3	governance	governance	NOUN
bae-3263	263	4	of	of	ADP
bae-3263	263	5	microfinance	microfinance	NOUN
bae-3263	263	6	institutions	institution	NOUN
bae-3263	263	7	:	:	PUNCT
bae-3263	263	8	recent	recent	ADJ
bae-3263	263	9	experiences	experience	NOUN
bae-3263	263	10	and	and	CCONJ
bae-3263	263	11	some	some	DET
bae-3263	263	12	lessons	lesson	NOUN
bae-3263	263	13	for	for	ADP
bae-3263	263	14	southeast	southeast	PROPN
bae-3263	263	15	asia	asia	PROPN
bae-3263	263	16	.	.	PUNCT
bae-3263	264	1	asian	asian	PROPN
bae-3263	264	2	journal	journal	PROPN
bae-3263	264	3	of	of	ADP
bae-3263	264	4	agriculture	agriculture	NOUN
bae-3263	264	5	and	and	CCONJ
bae-3263	264	6	development	development	NOUN
bae-3263	264	7	4(1	4(1	NOUN
bae-3263	264	8	):	):	PUNCT
bae-3263	264	9	17	17	NUM
bae-3263	264	10	-	-	SYM
bae-3263	264	11	37	37	NUM
bae-3263	264	12	.	.	PUNCT
bae-3263	265	1	vetrivel	vetrivel	PROPN
bae-3263	265	2	,	,	PUNCT
bae-3263	265	3	s.c	s.c	PROPN
bae-3263	265	4	.	.	PROPN
bae-3263	265	5	and	and	CCONJ
bae-3263	265	6	kumarmangalam	kumarmangalam	PROPN
bae-3263	265	7	,	,	PUNCT
bae-3263	265	8	s.c	s.c	PROPN
bae-3263	265	9	.	.	PROPN
bae-3263	265	10	(	(	PUNCT
bae-3263	265	11	2010	2010	NUM
bae-3263	265	12	)	)	PUNCT
bae-3263	265	13	.	.	PUNCT
bae-3263	266	1	role	role	NOUN
bae-3263	266	2	of	of	ADP
bae-3263	266	3	microfinance	microfinance	NOUN
bae-3263	266	4	institutions	institution	NOUN
bae-3263	266	5	in	in	ADP
bae-3263	266	6	rural	rural	ADJ
bae-3263	266	7	development	development	NOUN
bae-3263	266	8	.	.	PUNCT
bae-3263	267	1	international	international	ADJ
bae-3263	267	2	journal	journal	PROPN
bae-3263	267	3	of	of	ADP
bae-3263	267	4	information	information	NOUN
bae-3263	267	5	technology	technology	NOUN
bae-3263	267	6	and	and	CCONJ
bae-3263	267	7	knowledge	knowledge	NOUN
bae-3263	267	8	management	management	NOUN
bae-3263	267	9	2(2	2(2	NUM
bae-3263	267	10	):	):	PUNCT
bae-3263	267	11	435	435	NUM
bae-3263	267	12	-	-	SYM
bae-3263	267	13	441	441	NUM
bae-3263	267	14	.	.	PUNCT